Preencha os Dados Sobre o Financiamento

Os campos em vermelho são obrigatórios

Autor fulano de tal
Réu r
N° do Contrato 0
Objeto do EmpréstimoFinanciamento qualquer
Valor do Bem R$ 40,000.00 Valor da Entrada R$ 10,100.00
Valor Financiado R$ 30,000.00 Valor da Parcela R$ 514.48
N° de Parcelas 60 Taxa de Inflação
N° de Parcelas Pagas 0 Data Vencimento 1° Carnê 11/1/2011
Valor do IOF R$ 617.87 Valor da TAC R$ 715.00
Serviços de Terceiros R$ 0.00 Valor do carnê (TEC)

Descrição Valor

Outros encargos

Valores Utilizados no Financiamento

Taxa de Juros (a.m) 0.09%

Taxa de Juros Capitalizada (a.a) 1.13%
Valor da Prestação Sem Carnê Informe o Valor do Carnê
Valor Pago ao Final R$ 30,868.80
Total de Juros Pago R$ 868.80
Valor Já Pago R$ 10,100.00

Dados Para a Revisão

Aplicar outra taxa de juros sim -

Taxa a Ser Aplicada 3.00%
Favor preencher o campo acima

A reprodução ou distribuição não autorizada deste programa,

ou qualquer parte dela, resultará em severas punições civis
e criminais, e os infratores serão punidos sob a máxima extensão
possível dentro da lei
Para se adquirir a planilha, favor enviar um e-mail para
neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/

Esta material é apenas um execmplo de um calculo, a planilha completa

com as formulas e tudo mais, sem tempo de limite, esta em
http://newflex.mercadoshops.com.br/
 Aferição dos juros de mora
Restituição por pagamento antecipado #VALUE!
Encargos Pagos Por atraso #VALUE! parcela Data Vencimento Data do pagament
Valor para pagamento antecipado #VALUE! 0 1 11/1/2011 0
0 2 12/1/2011 0
0 3 1/1/2012 0
Valor da Parcela R$ 514.48 0 4 2/1/2012 0
Data de Vencimento 11/1/2011 0 5 3/1/2012 0
0 6 4/1/2012 0
0 7 5/1/2012 0
0 8 6/1/2012 0
Preencha Apenas Um 0 9 7/1/2012 0
Em Reais Em (%) 0 10 8/1/2012 0
Multa 2.000% 0 11 9/1/2012 0
Mora 0.400% 0 12 10/1/2012 0
Comissão de Permanência 0 13 11/1/2012 0
0 14 12/1/2012 0
0 15 1/1/2013 0
0 16 2/1/2013 0
0 17 3/1/2013 0
0 18 4/1/2013 0
0 19 5/1/2013 0
0 20 6/1/2013 0
0 21 7/1/2013 0
0 22 8/1/2013 0
0 23 #NAME? 0
0 24 #NAME? 0
0 25 #NAME? 0
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#NAME? 104 #NAME? #VALUE!
0 105 #NAME? 0
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#NAME? 110 #NAME? #VALUE!
l 0 111 #NAME? 0
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0 120 #NAME? 0
 Para se adquirir a planilha, favor enviar um e-mail para
Data do pagamento
Valor a Pagar neoflex@bol.com.br
R$ 0.00 http://newflex.mercadoshops.com.br/
R$ 0.00 http://consultarevisional.blogspot.com.br/
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s #VALUE!
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s #VALUE!
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 Cliente fulano de tal
Instituição Financeira r
Objeto do Contrato Financiamento qualquer
N° Contrato
N° Contrato 0

Price Gauss Gauss

Com Todos os Com Todos os Sem Encargos
Encargos Encargos Bancários Bancários e
Bancários e Juros Iguais ao Juros Iguais ao
do Financiamento Financiamento

Valor do financiamento R$ 30,000.00 R$ 30,000.00 R$ 28,667.13

Valor Pago ao Final R$ 30,868.80 R$ 30,837.59 R$ 29,467.51
Valor da Prestação Com Boleto R$ 514.48 R$ 513.96 R$ 491.13
Valor da Prestação Sem Boleto - - -
Taxa de juros (a.m) 3.00% 3.00% 3.00%
Taxa de juros (a.a) 42.58% 36.00% 36.00%
Valor pago #VALUE! #VALUE! #VALUE!
Parcelas Restantes (Normais) 40 40 40
Parcelas (Corrigidas) R$ 514.48 R$ 513.71 R$ 479.77
Total de juros pago R$ 868.80 R$ 837.59 R$ 800.38
Valor Pago a maior -R$ 5,882.92 -R$ 5,914.12 -R$ 5,951.34
Saldo Devedor R$ 20,768.80 R$ 20,737.59 R$ 19,367.51
Repetição de indébito -R$ 11,765.84 -R$ 11,828.25 -R$ 11,902.68

Aferição da mora
Encargos pagos por atraso #VALUE!
Restituição por Pagamento antecipado #VALUE!
 Para se adquirir a planilha, favor enviar um e-mail para
neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/

Gauss 0

Sem Encargos
Bacários com Juros
Diferenciados

R$ 28,667.13 0
R$ 35,418.85
R$ 590.31 R$ 10,100.00
-
1.00%
12.00%
#VALUE!
49
R$ 627.19
R$ 6,751.72
R$ 0.00
R$ 25,318.85
- Fulcro art. 42 § único CDC
 Sistema de Amortização a Juros Compostos (Tabela Price)
(Com todos os encargos inerentes ao financiamento (tac, IOF, Carnê, etc)
Cliente fulano de tal
Instituição Financeira r
Objeto do Contrato Financiamento qualquer
N° Contrato 0

0 Meses Saldo Devedor (SD) Amortização (A) Juros (J) Prestação (PMT)
1 0 30,000.00 - - -
2 1 29,816.01 183.99 900.00 1,083.99
3 2 29,626.50 189.51 894.48 1,083.99
4 3 29,431.31 195.19 888.80 1,083.99
5 4 29,230.26 201.05 882.94 1,083.99
6 5 29,023.18 207.08 876.91 1,083.99
7 6 28,809.89 213.29 870.70 1,083.99
8 7 28,590.19 219.69 864.30 1,083.99
9 8 28,363.91 226.28 857.71 1,083.99
10 9 28,130.84 233.07 850.92 1,083.99
11 10 27,890.78 240.06 843.93 1,083.99
12 11 27,643.51 247.27 836.72 1,083.99
13 12 27,388.83 254.68 829.31 1,083.99
14 13 27,126.50 262.32 821.66 1,083.99
15 14 26,856.31 270.19 813.80 1,083.99
16 15 26,578.01 278.30 805.69 1,083.99
17 16 26,291.36 286.65 797.34 1,083.99
18 17 25,996.11 295.25 788.74 1,083.99
19 18 25,692.01 304.11 779.88 1,083.99
20 19 25,378.78 313.23 770.76 1,083.99
21 20 25,056.15 322.63 761.36 1,083.99
22 21 24,723.85 332.30 751.68 1,083.99
23 22 24,381.58 342.27 741.72 1,083.99
24 23 24,029.03 352.54 731.45 1,083.99
25 24 23,665.92 363.12 720.87 1,083.99
26 25 23,291.91 374.01 709.98 1,083.99
27 26 22,906.67 385.23 698.76 1,083.99
28 27 22,509.88 396.79 687.20 1,083.99
29 28 22,101.19 408.69 675.30 1,083.99
30 29 21,680.24 420.95 663.04 1,083.99
31 30 21,246.66 433.58 650.41 1,083.99
32 31 20,800.07 446.59 637.40 1,083.99
33 32 20,340.08 459.99 624.00 1,083.99
34 33 19,866.30 473.79 610.20 1,083.99
35 34 19,378.30 488.00 595.99 1,083.99
36 35 18,875.66 502.64 581.35 1,083.99
37 36 18,357.94 517.72 566.27 1,083.99
38 37 17,824.69 533.25 550.74 1,083.99
39 38 17,275.44 549.25 534.74 1,083.99
40 39 16,709.71 565.73 518.26 1,083.99
41 40 16,127.02 582.70 501.29 1,083.99
42 41 15,526.84 600.18 483.81 1,083.99
43 42 14,908.65 618.18 465.81 1,083.99
44 43 14,271.92 636.73 447.26 1,083.99
45 44 13,616.09 655.83 428.16 1,083.99
46 45 12,940.59 675.51 408.48 1,083.99
47 46 12,244.82 695.77 388.22 1,083.99
48 47 11,528.17 716.64 367.34 1,083.99
49 48 10,790.03 738.14 345.85 1,083.99
50 49 10,029.74 760.29 323.70 1,083.99
51 50 9,246.64 783.10 300.89 1,083.99
52 51 8,440.05 806.59 277.40 1,083.99
53 52 7,609.27 830.79 253.20 1,083.99
54 53 6,753.56 855.71 228.28 1,083.99
55 54 5,872.17 881.38 202.61 1,083.99
56 55 4,964.35 907.82 176.17 1,083.99
57 56 4,029.29 935.06 148.93 1,083.99
58 57 3,066.18 963.11 120.88 1,083.99
59 58 2,074.18 992.00 91.99 1,083.99
60 59 1,052.42 1,021.76 62.23 1,083.99
61 60 - 0.00 1,052.42 31.57 1,083.99
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 Para se adquirir a planilha, favor enviar um e-mail para
neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/

Aplicar outra taxa à tabela Pric sim

Taxa de Juros a Ser Aplicada 3.00%
 Sistema de Amortização a Juros Simples (Método de Gauss)
Com todos os encargos bancários e taxa igual a do financiamento
Cliente fulano de tal
Instituição Financeira r
Objeto do Contrato Financiamento qualquer
N° Contrato 0

0 Meses Saldo Devedor (SD) Amortização (A) Juros (J) Prestação (PMT)
1 0 30,000.00 - - -
2 1 29,513.50 486.50 27.46 513.96
3 2 29,026.55 486.96 27.00 513.96
4 3 28,539.13 487.41 26.55 513.96
5 4 28,051.26 487.87 26.09 513.96
6 5 27,562.93 488.33 25.63 513.96
7 6 27,074.15 488.79 25.17 513.96
8 7 26,584.90 489.24 24.72 513.96
9 8 26,095.20 489.70 24.26 513.96
10 9 25,605.04 490.16 23.80 513.96
11 10 25,114.43 490.62 23.34 513.96
12 11 24,623.35 491.07 22.89 513.96
13 12 24,131.82 491.53 22.43 513.96
14 13 23,639.83 491.99 21.97 513.96
15 14 23,147.38 492.45 21.51 513.96
16 15 22,654.47 492.91 21.05 513.96
17 16 22,161.11 493.36 20.60 513.96
18 17 21,667.29 493.82 20.14 513.96
19 18 21,173.01 494.28 19.68 513.96
20 19 20,678.27 494.74 19.22 513.96
21 20 20,183.08 495.19 18.77 513.96
22 21 19,687.43 495.65 18.31 513.96
23 22 19,191.32 496.11 17.85 513.96
24 23 18,694.75 496.57 17.39 513.96
25 24 18,197.73 497.02 16.93 513.96
26 25 17,700.24 497.48 16.48 513.96
27 26 17,202.30 497.94 16.02 513.96
28 27 16,703.91 498.40 15.56 513.96
29 28 16,205.05 498.86 15.10 513.96
30 29 15,705.74 499.31 14.65 513.96
31 30 15,205.97 499.77 14.19 513.96
32 31 14,705.74 500.23 13.73 513.96
33 32 14,205.05 500.69 13.27 513.96
34 33 13,703.91 501.14 12.82 513.96
35 34 13,202.30 501.60 12.36 513.96
36 35 12,700.24 502.06 11.90 513.96
37 36 12,197.73 502.52 11.44 513.96
38 37 11,694.75 502.98 10.98 513.96
39 38 11,191.32 503.43 10.53 513.96
40 39 10,687.43 503.89 10.07 513.96
41 40 10,183.08 504.35 9.61 513.96
42 41 9,678.27 504.81 9.15 513.96
43 42 9,173.01 505.26 8.70 513.96
44 43 8,667.29 505.72 8.24 513.96
45 44 8,161.11 506.18 7.78 513.96
46 45 7,654.47 506.64 7.32 513.96
47 46 7,147.38 507.09 6.87 513.96
48 47 6,639.83 507.55 6.41 513.96
49 48 6,131.82 508.01 5.95 513.96
50 49 5,623.35 508.47 5.49 513.96
51 50 5,114.43 508.93 5.03 513.96
52 51 4,605.04 509.38 4.58 513.96
53 52 4,095.20 509.84 4.12 513.96
54 53 3,584.90 510.30 3.66 513.96
55 54 3,074.15 510.76 3.20 513.96
56 55 2,562.93 511.21 2.75 513.96
57 56 2,051.26 511.67 2.29 513.96
58 57 1,539.13 512.13 1.83 513.96
59 58 1,026.55 512.59 1.37 513.96
60 59 513.50 513.04 0.92 513.96
61 60 0.00 513.50 0.46 513.96
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Para se adquirir a planilha, favor enviar um e-mail para
neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/
 Sistema de Amortização a Juros Simples (Método de Gauss)
Sem encargos com juros iguais aos utilizados no financiamento
Cliente fulano de tal
Instituição Financeira
r
Objeto do ContratoFinanciamento qualquer
N° Contrato 0

Meses Saldo Devedor (SD) Amortização (A) Juros (J) Prestação (PMT)
0 0 28,667.13 - - -
1 1 28,202.25 464.88 26.24 491.13
2 2 27,736.93 465.32 25.80 491.13
3 3 27,271.17 465.76 25.37 491.13
4 4 26,804.97 466.20 24.93 491.13
5 5 26,338.34 466.63 24.49 491.13
6 6 25,871.27 467.07 24.06 491.13
7 7 25,403.76 467.51 23.62 491.13
8 8 24,935.82 467.94 23.18 491.13
9 9 24,467.44 468.38 22.74 491.13
10 10 23,998.62 468.82 22.31 491.13
11 11 23,529.36 469.26 21.87 491.13
12 12 23,059.67 469.69 21.43 491.13
13 13 22,589.53 470.13 20.99 491.13
14 14 22,118.96 470.57 20.56 491.13
15 15 21,647.96 471.01 20.12 491.13
16 16 21,176.51 471.44 19.68 491.13
17 17 20,704.63 471.88 19.24 491.13
18 18 20,232.32 472.32 18.81 491.13
19 19 19,759.56 472.76 18.37 491.13
20 20 19,286.37 473.19 17.93 491.13
21 21 18,812.74 473.63 17.49 491.13
22 22 18,338.67 474.07 17.06 491.13
23 23 17,864.16 474.51 16.62 491.13
24 24 17,389.22 474.94 16.18 491.13
25 25 16,913.84 475.38 15.75 491.13
26 26 16,438.02 475.82 15.31 491.13
27 27 15,961.77 476.25 14.87 491.13
28 28 15,485.08 476.69 14.43 491.13
29 29 15,007.95 477.13 14.00 491.13
30 30 14,530.38 477.57 13.56 491.13
31 31 14,052.38 478.00 13.12 491.13
32 32 13,573.93 478.44 12.68 491.13
33 33 13,095.06 478.88 12.25 491.13
34 34 12,615.74 479.32 11.81 491.13
35 35 12,135.99 479.75 11.37 491.13
36 36 11,655.79 480.19 10.93 491.13
37 37 11,175.17 480.63 10.50 491.13
38 38 10,694.10 481.07 10.06 491.13
39 39 10,212.60 481.50 9.62 491.13
40 40 9,730.66 481.94 9.18 491.13
41 41 9,248.28 482.38 8.75 491.13
42 42 8,765.46 482.82 8.31 491.13
43 43 8,282.21 483.25 7.87 491.13
44 44 7,798.52 483.69 7.44 491.13
45 45 7,314.39 484.13 7.00 491.13
46 46 6,829.83 484.56 6.56 491.13
47 47 6,344.83 485.00 6.12 491.13
48 48 5,859.39 485.44 5.69 491.13
49 49 5,373.51 485.88 5.25 491.13
50 50 4,887.20 486.31 4.81 491.13
51 51 4,400.45 486.75 4.37 491.13
52 52 3,913.26 487.19 3.94 491.13
53 53 3,425.63 487.63 3.50 491.13
54 54 2,937.57 488.06 3.06 491.13
55 55 2,449.07 488.50 2.62 491.13
56 56 1,960.13 488.94 2.19 491.13
57 57 1,470.75 489.38 1.75 491.13
58 58 980.94 489.81 1.31 491.13
59 59 490.69 490.25 0.87 491.13
60 60 0.00 490.69 0.44 491.13
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Para se adquirir a planilha, favor enviar um e-mail para
neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/
 Sistema de Amortização a Juros Simples (Método de Gauss)
Planlilha Sem Encargos Com Taxa de Juros de 3%
Cliente fulano de tal
Instituição Financeira
r
Objeto do ContratoFinanciamento qualquer

Meses Saldo Devedor (SD) Amortização (A) Juros (J) Prestação (PMT)
0 0 28,667.13 - - -
1 1 28,298.18 368.95 221.37 590.31
2 2 27,925.55 372.64 217.68 590.31
3 3 27,549.22 376.33 213.99 590.31
4 4 27,169.21 380.01 210.30 590.31
5 5 26,785.50 383.70 206.61 590.31
6 6 26,398.11 387.39 202.92 590.31
7 7 26,007.03 391.08 199.23 590.31
8 8 25,612.25 394.77 195.54 590.31
9 9 25,213.79 398.46 191.85 590.31
10 10 24,811.64 402.15 188.16 590.31
11 11 24,405.80 405.84 184.47 590.31
12 12 23,996.27 409.53 180.78 590.31
13 13 23,583.05 413.22 177.09 590.31
14 14 23,166.14 416.91 173.40 590.31
15 15 22,745.54 420.60 169.72 590.31
16 16 22,321.25 424.29 166.03 590.31
17 17 21,893.28 427.98 162.34 590.31
18 18 21,461.61 431.67 158.65 590.31
19 19 21,026.25 435.36 154.96 590.31
20 20 20,587.21 439.05 151.27 590.31
21 21 20,144.47 442.74 147.58 590.31
22 22 19,698.04 446.43 143.89 590.31
23 23 19,247.93 450.11 140.20 590.31
24 24 18,794.13 453.80 136.51 590.31
25 25 18,336.63 457.49 132.82 590.31
26 26 17,875.45 461.18 129.13 590.31
27 27 17,410.58 464.87 125.44 590.31
28 28 16,942.02 468.56 121.75 590.31
29 29 16,469.76 472.25 118.06 590.31
30 30 15,993.82 475.94 114.37 590.31
31 31 15,514.19 479.63 110.68 590.31
32 32 15,030.87 483.32 106.99 590.31
33 33 14,543.86 487.01 103.30 590.31
34 34 14,053.17 490.70 99.62 590.31
35 35 13,558.78 494.39 95.93 590.31
36 36 13,060.70 498.08 92.24 590.31
37 37 12,558.93 501.77 88.55 590.31
38 38 12,053.48 505.46 84.86 590.31
39 39 11,544.33 509.15 81.17 590.31
40 40 11,031.50 512.84 77.48 590.31
41 41 10,514.97 516.52 73.79 590.31
42 42 9,994.76 520.21 70.10 590.31
43 43 9,470.85 523.90 66.41 590.31
44 44 8,943.26 527.59 62.72 590.31
45 45 8,411.98 531.28 59.03 590.31
46 46 7,877.00 534.97 55.34 590.31
47 47 7,338.34 538.66 51.65 590.31
48 48 6,795.99 542.35 47.96 590.31
49 49 6,249.95 546.04 44.27 590.31
50 50 5,700.22 549.73 40.58 590.31
51 51 5,146.80 553.42 36.89 590.31
52 52 4,589.69 557.11 33.21 590.31
53 53 4,028.89 560.80 29.52 590.31
54 54 3,464.41 564.49 25.83 590.31
55 55 2,896.23 568.18 22.14 590.31
56 56 2,324.36 571.87 18.45 590.31
57 57 1,748.81 575.56 14.76 590.31
58 58 1,169.56 579.25 11.07 590.31
59 59 586.62 582.94 7.38 590.31
60 60 - 0.00 586.62 3.69 590.31
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Para se adquirir a planilha, favor enviar um e-mail para

neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/
 Tabela SELIC
Baixe as aliquotas do site da Receita Federal
Mês/Ano 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
Janeiro 0.00% 2.58% 1.73% 2.67% 2.18% 1.46% 1.27% 1.53% 1.97% 1.27%
Fevereiro 3.63% 2.35% 1.67% 2.13% 2.38% 1.45% 1.02% 1.25% 1.83% 1.08%
Março 2.60% 2.22% 1.64% 2.20% 3.33% 1.45% 1.26% 1.37%  1,78%  1.38%
Abril 4.26% 2.07% 1.66% 1.71% 2.35% 1.30% 1.19%  1,48%   1,87%  1.18%
Maio 4.25% 2.01% 1.58% 1.63% 2.02% 1.49% 1.34%  1,41%   1,97%  1.23%
Junho 4.04% 1.98% 1.61% 1.60% 1.67% 1.39% 1.27%  1,33%  1.86% 1.23%
Julho 4.02% 1.93% 1.60% 1.70% 1.66% 1.31% 1.50%  1,54%  2.08% 1.29%
Agosto 3.84% 1.97% 1.59% 1.48% 1.57% 1.41% 1.60%  1,44%   1,77%  1.29%
Setembro 3.32% 1.90% 1.59% 2.49% 1.49% 1.22% 1.32% 1.38%  1,68%   1,25% 
Outubro 3.09% 1.86% 1.67% 2.94% 1.38% 1.29% 1.53%  1,65%   1,64%   1,21% 
Novembro 2.88% 1.80% 3.04% 2.63% 1.39% 1.22% 1.39%  1,54%   1,34%   1,25% 
Dezembro 2.78% 1.80% 2.97% 2.40% 1.60% 1.20% 1.39%  1,74%   1,37%   1,48% 

Para se adquirir a planilha, favor enviar um e-mail para

neoflex@bol.com.br
http://newflex.mercadoshops.com.br/
http://consultarevisional.blogspot.com.br/
C
ceita Federal
2007
2005 2006 2008 2009 2010 2011 2012
1.38% 1.43% 1.08% 0.93% 1.05% 0.66% 0.86% 0.89%
1.22% 1.15% 0.87% 0.80% 0.86% 0.59% 0.84% 0.75%
1.53% 1.42% 1.05% 0.84% 0.97% 0.76% 0.92%
1.41% 1.08% 0.94% 0.90% 0.84% 0.67% 0.84%
1.50% 1.28% 1.03% 0.88% 0.77% 0.75% 0.99%   
1.59% 1.18% 0.91% 0.96% 0.76% 0.79% 0.96%   
1.51% 1.17% 0.97% 1.07% 0.79% 0.86% 0.97%   
1.66% 1.26% 0.99% 1.02% 0.69% 0.89% 1.07%   
1.50% 1.06% 0.80% 1.10% 0.69% 0.85% 0.94%   
1.41% 1.09% 0.93% 1.18% 0.69% 0.81% 0.88%   
1.38% 1.02% 0.84% 1.02% 0.66% 0.81% 0.86%   
1.47% 0.99% 0.84% 1.12% 0.73% 0.93% 0.91%