Casa própria ou aluguel

por Conrado Navarro

www.dinheirama.com

Calculando a parcela de seu financiamento

Valor a ser financiado R$ 100,000.00

Juros mensais 1.10% Valor da parcela 1185.85
Tempo (em meses) 240

Abaixo você pode simular a compra vs o aluguel, já tendo o dinheiro disponível para a compra.

Opção por compra do imóvel Opção por aluguel do imó

Disponível (R$) 100,000.00 Disponível (R$)
Valor da casa (R$) 100,000.00 Aluguel (R$)
Sobra aplicada (R$) 0.00 Imposto de renda
Imposto de Renda 15%

Aporte inicial 0.00 Aporte inicial

Aporte mensal 200.00 Aporte mensal
Rentabilidade mensal 0.80% Rentabilidade mensal

Mês Juros Acumulado Mês

1 0.00 200.00 1
2 1.60 401.60 2
3 3.21 604.81 3
4 4.84 809.65 4
5 6.48 1,016.13 5
6 8.13 1,224.26 6
7 9.79 1,434.05 7
8 11.47 1,645.52 8
9 13.16 1,858.69 9
10 14.87 2,073.56 10
11 16.59 2,290.15 11
12 18.32 2,508.47 12
13 20.07 2,728.54 13
14 21.83 2,950.36 14
15 23.60 3,173.97 15
16 25.39 3,399.36 16
17 27.19 3,626.55 17
18 29.01 3,855.57 18
19 30.84 4,086.41 19
20 32.69 4,319.10 20
21 34.55 4,553.65 21
22 36.43 4,790.08 22
23 38.32 5,028.40 23
24 40.23 5,268.63 24
25 42.15 5,510.78 25
26 44.09 5,754.87 26
27 46.04 6,000.91 27
28 48.01 6,248.91 28
29 49.99 6,498.90 29
30 51.99 6,750.90 30
 31 54.01 7,004.90 31
32 56.04 7,260.94 32
33 58.09 7,519.03 33
34 60.15 7,779.18 34
35 62.23 8,041.41 35
36 64.33 8,305.75 36
37 66.45 8,572.19 37
38 68.58 8,840.77 38
39 70.73 9,111.50 39
40 72.89 9,384.39 40
41 75.08 9,659.46 41
42 77.28 9,936.74 42
43 79.49 10,216.23 43
44 81.73 10,497.96 44
45 83.98 10,781.95 45
46 86.26 11,068.20 46
47 88.55 11,356.75 47
48 90.85 11,647.60 48
49 93.18 11,940.78 49
50 95.53 12,236.31 50
51 97.89 12,534.20 51
52 100.27 12,834.47 52
53 102.68 13,137.15 53
54 105.10 13,442.25 54
55 107.54 13,749.78 55
56 110.00 14,059.78 56
57 112.48 14,372.26 57
58 114.98 14,687.24 58
59 117.50 15,004.74 59
5 anos 60 120.04 15,324.77 60
Depois do IR 61 122.60 15,647.37 Depois IR 61
R$14,826.06 62 125.18 15,972.55 R$110,244.44 62
63 127.78 16,300.33 63
64 130.40 16,630.73 64
65 133.05 16,963.78 65
66 135.71 17,299.49 66
67 138.40 17,637.89 67
68 141.10 17,978.99 68
69 143.83 18,322.82 69
70 146.58 18,669.40 70
71 149.36 19,018.76 71
72 152.15 19,370.91 72
73 154.97 19,725.88 73
74 157.81 20,083.68 74
75 160.67 20,444.35 75
76 163.55 20,807.91 76
77 166.46 21,174.37 77
78 169.39 21,543.77 78
79 172.35 21,916.12 79
80 175.33 22,291.44 80
81 178.33 22,669.78 81
82 181.36 23,051.13 82
83 184.41 23,435.54 83
84 187.48 23,823.03 84
85 190.58 24,213.61 85
86 193.71 24,607.32 86
87 196.86 25,004.18 87
88 200.03 25,404.21 88
 89 203.23 25,807.45 89
90 206.46 26,213.91 90
91 209.71 26,623.62 91
92 212.99 27,036.61 92
93 216.29 27,452.90 93
94 219.62 27,872.52 94
95 222.98 28,295.50 95
96 226.36 28,721.87 96
97 229.77 29,151.64 97
98 233.21 29,584.85 98
99 236.68 30,021.53 99
100 240.17 30,461.71 100
101 243.69 30,905.40 101
102 247.24 31,352.64 102
103 250.82 31,803.46 103
104 254.43 32,257.89 104
105 258.06 32,715.95 105
106 261.73 33,177.68 106
107 265.42 33,643.10 107
108 269.14 34,112.25 108
109 272.90 34,585.15 109
110 276.68 35,061.83 110
111 280.49 35,542.32 111
112 284.34 36,026.66 112
113 288.21 36,514.87 113
114 292.12 37,006.99 114
115 296.06 37,503.05 115
116 300.02 38,003.07 116
117 304.02 38,507.10 117
118 308.06 39,015.15 118
119 312.12 39,527.28 119
10 anos 120 316.22 40,043.49 120
Depois do IR 121 320.35 40,563.84 Depois do IR 121
R$37,636.97 122 324.51 41,088.35 R$130,891.07 122
123 328.71 41,617.06 123
124 332.94 42,150.00 124
125 337.20 42,687.20 125
126 341.50 43,228.69 126
127 345.83 43,774.52 127
128 350.20 44,324.72 128
129 354.60 44,879.32 129
130 359.03 45,438.35 130
131 363.51 46,001.86 131
132 368.01 46,569.87 132
133 372.56 47,142.43 133
134 377.14 47,719.57 134
135 381.76 48,301.33 135
136 386.41 48,887.74 136
137 391.10 49,478.84 137
138 395.83 50,074.67 138
139 400.60 50,675.27 139
140 405.40 51,280.67 140
141 410.25 51,890.92 141
142 415.13 52,506.04 142
143 420.05 53,126.09 143
144 425.01 53,751.10 144
145 430.01 54,381.11 145
146 435.05 55,016.16 146
 147 440.13 55,656.29 147
148 445.25 56,301.54 148
149 450.41 56,951.95 149
150 455.62 57,607.57 150
151 460.86 58,268.43 151
152 466.15 58,934.57 152
153 471.48 59,606.05 153
154 476.85 60,282.90 154
155 482.26 60,965.16 155
156 487.72 61,652.88 156
157 493.22 62,346.11 157
158 498.77 63,044.88 158
159 504.36 63,749.23 159
160 509.99 64,459.23 160
161 515.67 65,174.90 161
162 521.40 65,896.30 162
163 527.17 66,623.47 163
164 532.99 67,356.46 164
165 538.85 68,095.31 165
166 544.76 68,840.07 166
167 550.72 69,590.79 167
168 556.73 70,347.52 168
169 562.78 71,110.30 169
170 568.88 71,879.18 170
171 575.03 72,654.22 171
172 581.23 73,435.45 172
173 587.48 74,222.93 173
174 593.78 75,016.72 174
175 600.13 75,816.85 175
176 606.53 76,623.39 176
177 612.99 77,436.37 177
178 619.49 78,255.86 178
179 626.05 79,081.91 179
15 anos 180 632.66 79,914.57 180
Desc. IR 181 639.32 80,753.88 Desc. IR 181
R$73,327.38 182 646.03 81,599.91 R$167,228.20 182
183 652.80 82,452.71 183
184 659.62 83,312.33 184
185 666.50 84,178.83 185
186 673.43 85,052.26 186
187 680.42 85,932.68 187
188 687.46 86,820.14 188
189 694.56 87,714.70 189
190 701.72 88,616.42 190
191 708.93 89,525.35 191
192 716.20 90,441.56 192
193 723.53 91,365.09 193
194 730.92 92,296.01 194
195 738.37 93,234.38 195
196 745.88 94,180.25 196
197 753.44 95,133.69 197
198 761.07 96,094.76 198
199 768.76 97,063.52 199
200 776.51 98,040.03 200
201 784.32 99,024.35 201
202 792.19 100,016.55 202
203 800.13 101,016.68 203
204 808.13 102,024.81 204
 205 816.20 103,041.01 205
206 824.33 104,065.34 206
207 832.52 105,097.86 207
208 840.78 106,138.64 208
209 849.11 107,187.75 209
210 857.50 108,245.25 210
211 865.96 109,311.22 211
212 874.49 110,385.71 212
213 883.09 111,468.79 213
214 891.75 112,560.54 214
215 900.48 113,661.03 215
216 909.29 114,770.32 216
217 918.16 115,888.48 217
218 927.11 117,015.59 218
219 936.12 118,151.71 219
220 945.21 119,296.92 220
221 954.38 120,451.30 221
222 963.61 121,614.91 222
223 972.92 122,787.83 223
224 982.30 123,970.13 224
225 991.76 125,161.89 225
226 1,001.30 126,363.19 226
227 1,010.91 127,574.09 227
228 1,020.59 128,794.69 228
229 1,030.36 130,025.04 229
230 1,040.20 131,265.24 230
231 1,050.12 132,515.37 231
232 1,060.12 133,775.49 232
233 1,070.20 135,045.69 233
234 1,080.37 136,326.06 234
235 1,090.61 137,616.67 235
236 1,100.93 138,917.60 236
237 1,111.34 140,228.94 237
238 1,121.83 141,550.77 238
239 1,132.41 142,883.18 239
20 anos 240 1,143.07 144,226.24 240
Desc. IR Desc. IR
R$129,792.31 R$228,873.96
Copyright © Conrado Navarro - www.dinheirama.com - 2007
 Opção por aluguel do imóvel
Disponível (R$) 100,000.00
Aluguel (R$) 750.00
Imposto de renda 15%

porte inicial 99,250.00

porte mensal 200.00
entabilidade mensal 0.80%

Juros Acumulado
0.00 99,450.00
795.60 99,695.60
797.56 99,943.16
799.55 100,192.71
801.54 100,444.25
803.55 100,697.81
805.58 100,953.39
807.63 101,211.02
809.69 101,470.70
811.77 101,732.47
813.86 101,996.33
815.97 102,262.30
818.10 102,530.40
820.24 102,800.64
822.41 103,073.05
824.58 103,347.63
826.78 103,624.41
829.00 103,903.41
831.23 104,184.63
833.48 104,468.11
835.74 104,753.86
838.03 105,041.89
840.34 105,332.22
842.66 105,624.88
845.00 105,919.88
847.36 106,217.24
849.74 106,516.98
852.14 106,819.11
854.55 107,123.66
856.99 107,430.65
 859.45 107,740.10
861.92 108,052.02
864.42 108,366.44
866.93 108,683.37
869.47 109,002.83
872.02 109,324.86
874.60 109,649.46
877.20 109,976.65
879.81 110,306.46
882.45 110,638.92
885.11 110,974.03
887.79 111,311.82
890.49 111,652.31
893.22 111,995.53
895.96 112,341.50
898.73 112,690.23
901.52 113,041.75
904.33 113,396.09
907.17 113,753.25
910.03 114,113.28
912.91 114,476.19
915.81 114,842.00
918.74 115,210.73
921.69 115,582.42
924.66 115,957.08
927.66 116,334.73
930.68 116,715.41
933.72 117,099.13
936.79 117,485.93
939.89 117,875.82
943.01 118,268.82
946.15 118,664.97
949.32 119,064.29
952.51 119,466.81
955.73 119,872.54
958.98 120,281.52
962.25 120,693.77
965.55 121,109.32
968.87 121,528.20
972.23 121,950.42
975.60 122,376.03
979.01 122,805.04
982.44 123,237.48
985.90 123,673.38
989.39 124,112.76
992.90 124,555.66
996.45 125,002.11
1,000.02 125,452.13
1,003.62 125,905.74
1,007.25 126,362.99
1,010.90 126,823.89
1,014.59 127,288.48
1,018.31 127,756.79
1,022.05 128,228.85
1,025.83 128,704.68
1,029.64 129,184.32
1,033.47 129,667.79
1,037.34 130,155.13
1,041.24 130,646.37
1,045.17 131,141.54
1,049.13 131,640.68
1,053.13 132,143.80
1,057.15 132,650.95
1,061.21 133,162.16
1,065.30 133,677.46
1,069.42 134,196.88
1,073.58 134,720.45
1,077.76 135,248.22
1,081.99 135,780.20
1,086.24 136,316.44
1,090.53 136,856.97
1,094.86 137,401.83
1,099.21 137,951.04
1,103.61 138,504.65
1,108.04 139,062.69
1,112.50 139,625.19
1,117.00 140,192.19
1,121.54 140,763.73
1,126.11 141,339.84
1,130.72 141,920.56
1,135.36 142,505.92
1,140.05 143,095.97
1,144.77 143,690.74
1,149.53 144,290.26
1,154.32 144,894.59
1,159.16 145,503.74
1,164.03 146,117.77
1,168.94 146,736.72
1,173.89 147,360.61
1,178.88 147,989.49
1,183.92 148,623.41
1,188.99 149,262.40
1,194.10 149,906.50
1,199.25 150,555.75
1,204.45 151,210.19
1,209.68 151,869.88
1,214.96 152,534.84
1,220.28 153,205.11
1,225.64 153,880.76
1,231.05 154,561.80
1,236.49 155,248.30
1,241.99 155,940.28
1,247.52 156,637.80
1,253.10 157,340.91
1,258.73 158,049.63
1,264.40 158,764.03
1,270.11 159,484.14
1,275.87 160,210.02
1,281.68 160,941.70
1,287.53 161,679.23
1,293.43 162,422.66
1,299.38 163,172.05
1,305.38 163,927.42
1,311.42 164,688.84
1,317.51 165,456.35
1,323.65 166,230.00
1,329.84 167,009.84
1,336.08 167,795.92
1,342.37 168,588.29
1,348.71 169,386.99
1,355.10 170,192.09
1,361.54 171,003.63
1,368.03 171,821.66
1,374.57 172,646.23
1,381.17 173,477.40
1,387.82 174,315.22
1,394.52 175,159.74
1,401.28 176,011.02
1,408.09 176,869.11
1,414.95 177,734.06
1,421.87 178,605.93
1,428.85 179,484.78
1,435.88 180,370.66
1,442.97 181,263.62
1,450.11 182,163.73
1,457.31 183,071.04
1,464.57 183,985.61
1,471.88 184,907.50
1,479.26 185,836.75
1,486.69 186,773.45
1,494.19 187,717.64
1,501.74 188,669.38
1,509.36 189,628.73
1,517.03 190,595.76
1,524.77 191,570.53
1,532.56 192,553.09
1,540.42 193,543.52
1,548.35 194,541.87
1,556.33 195,548.20
1,564.39 196,562.59
1,572.50 197,585.09
1,580.68 198,615.77
1,588.93 199,654.69
1,597.24 200,701.93
1,605.62 201,757.55
1,614.06 202,821.61
1,622.57 203,894.18
1,631.15 204,975.33
1,639.80 206,065.14
1,648.52 207,163.66
1,657.31 208,270.97
1,666.17 209,387.13
1,675.10 210,512.23
1,684.10 211,646.33
1,693.17 212,789.50
1,702.32 213,941.82
1,711.53 215,103.35
1,720.83 216,274.18
1,730.19 217,454.37
1,739.63 218,644.01
1,749.15 219,843.16
1,758.75 221,051.90
1,768.42 222,270.32
1,778.16 223,498.48
 1,787.99 224,736.47
1,797.89 225,984.36
1,807.87 227,242.24
1,817.94 228,510.17
1,828.08 229,788.25
1,838.31 231,076.56
1,848.61 232,375.17
1,859.00 233,684.17
1,869.47 235,003.65
1,880.03 236,333.68
1,890.67 237,674.35
1,901.39 239,025.74
1,912.21 240,387.95
1,923.10 241,761.05
1,934.09 243,145.14
1,945.16 244,540.30
1,956.32 245,946.62
1,967.57 247,364.20
1,978.91 248,793.11
1,990.34 250,233.45
2,001.87 251,685.32
2,013.48 253,148.80
2,025.19 254,623.99
2,036.99 256,110.99
2,048.89 257,609.87
2,060.88 259,120.75
2,072.97 260,643.72
2,085.15 262,178.87
2,097.43 263,726.30
2,109.81 265,286.11
2,122.29 266,858.40
2,134.87 268,443.27
2,147.55 270,040.81
2,160.33 271,651.14
2,173.21 273,274.35
2,186.19 274,910.54

om - 2007