Banco 1

VALORES REAISVALORES SIMULAOValor FinanciadoR$ 15,000.00Valor da parcelaR$ 495.63TaxasR$ 980.00IOF critrio PriceR$ 288.76N. parcelas60IOF critrio VPR$ 267.56taxa de juros2.28320%Valor da parcelaR$ 500.00IOF TOTALR$ 267.57CET2.63000%

Critrio VALOR PRESENTECritrio PRICENDataDCDias acum.Juros per.VPIOF VPAmortSaldoIOF Price06/14/12R$ 15,980.0017/14/1230300.02283488.83883R$ 2.46R$ 130.78R$ 15,849.22R$ 0.6628/14/1231610.02360477.92681R$ 3.01R$ 121.56R$ 15,727.67R$ 0.7739/14/1231920.02360467.25836R$ 3.54R$ 124.43R$ 15,603.24R$ 0.94410/14/12301220.02283456.82807R$ 4.02R$ 139.38R$ 15,463.86R$ 1.23511/14/12311530.02360446.63060R$ 4.50R$ 130.65R$ 15,333.21R$ 1.32612/14/12301830.02283436.66076R$ 4.94R$ 145.54R$ 15,187.66R$ 1.6571/14/13312140.02360426.91347R$ 5.37R$ 137.17R$ 15,050.49R$ 1.7282/14/13312450.02360417.38376R$ 5.78R$ 140.41R$ 14,910.08R$ 1.9493/14/13282730.02129408.06678R$ 6.12R$ 178.14R$ 14,731.94R$ 2.67104/14/13313040.02360398.95778R$ 6.49R$ 147.93R$ 14,584.01R$ 2.41115/14/13303340.02283390.05211R$ 6.82R$ 162.65R$ 14,421.36R$ 2.85126/14/13313650.02360381.34523R$ 7.16R$ 155.26R$ 14,266.10R$ 2.91137/14/13303950.02283372.83272R$ 7.00R$ 169.91R$ 14,096.19R$ 3.19148/14/13314260.02360364.51022R$ 6.84R$ 162.93R$ 13,933.26R$ 3.06159/14/13314570.02360356.37350R$ 6.69R$ 166.78R$ 13,766.48R$ 3.131610/14/13304870.02283348.41841R$ 6.54R$ 181.32R$ 13,585.17R$ 3.401711/14/13315180.02360340.64090R$ 6.39R$ 174.99R$ 13,410.17R$ 3.281812/14/13305480.02283333.03700R$ 6.25R$ 189.45R$ 13,220.72R$ 3.56191/14/14315790.02360325.60283R$ 6.11R$ 183.60R$ 13,037.12R$ 3.45202/14/14316100.02360318.33462R$ 5.97R$ 187.93R$ 12,849.19R$ 3.53213/14/14286380.02129311.22865R$ 5.84R$ 222.02R$ 12,627.17R$ 4.17224/14/14316690.02360304.28129R$ 5.71R$ 197.61R$ 12,429.56R$ 3.71235/14/14306990.02283297.48903R$ 5.58R$ 211.84R$ 12,217.72R$ 3.98246/14/14317300.02360290.84838R$ 5.46R$ 207.27R$ 12,010.46R$ 3.89257/14/14307600.02283284.35596R$ 5.34R$ 221.41R$ 11,789.05R$ 4.15268/14/14317910.02360278.00847R$ 5.22R$ 217.39R$ 11,571.66R$ 4.08279/14/14318220.02360271.80267R$ 5.10R$ 222.52R$ 11,349.14R$ 4.182810/14/14308520.02283265.73540R$ 4.99R$ 236.51R$ 11,112.63R$ 4.442911/14/14318830.02360259.80357R$ 4.88R$ 233.35R$ 10,879.28R$ 4.383012/14/14309130.02283254.00414R$ 4.77R$ 247.24R$ 10,632.05R$ 4.64311/14/15319440.02360248.33418R$ 4.66R$ 244.69R$ 10,387.35R$ 4.59322/14/15319750.02360242.79078R$ 4.56R$ 250.47R$ 10,136.88R$ 4.70333/14/152810030.02129237.37112R$ 4.45R$ 279.78R$ 9,857.10R$ 5.25344/14/153110340.02360232.07244R$ 4.35R$ 262.98R$ 9,594.12R$ 4.93355/14/153010640.02283226.89204R$ 4.26R$ 276.58R$ 9,317.54R$ 5.19366/14/153110950.02360221.82728R$ 4.16R$ 275.72R$ 9,041.82R$ 5.17377/14/153011250.02283216.87558R$ 4.07R$ 289.19R$ 8,752.63R$ 5.43388/14/153111560.02360212.03441R$ 3.98R$ 289.05R$ 8,463.58R$ 5.42399/14/153111870.02360207.30131R$ 3.89R$ 295.87R$ 8,167.71R$ 5.554010/14/153012170.02283202.67386R$ 3.80R$ 309.15R$ 7,858.56R$ 5.804111/14/153112480.02360198.14970R$ 3.72R$ 310.15R$ 7,548.41R$ 5.824212/14/153012780.02283193.72654R$ 3.64R$ 323.29R$ 7,225.12R$ 6.07431/14/163113090.02360189.40211R$ 3.55R$ 325.10R$ 6,900.02R$ 6.10442/14/163113400.02360185.17421R$ 3.47R$ 332.78R$ 6,567.24R$ 6.24453/14/162913690.02206181.04069R$ 3.40R$ 350.74R$ 6,216.50R$ 6.58464/14/163114000.02360176.99944R$ 3.32R$ 348.91R$ 5,867.59R$ 6.55475/14/163014300.02283173.04840R$ 3.25R$ 361.66R$ 5,505.92R$ 6.79486/14/163114610.02360169.18555R$ 3.17R$ 365.68R$ 5,140.24R$ 6.86497/14/163014910.02283165.40894R$ 3.10R$ 378.27R$ 4,761.97R$ 7.10508/14/163115220.02360161.71662R$ 3.03R$ 383.24R$ 4,378.73R$ 7.19519/14/163115530.02360158.10673R$ 2.97R$ 392.28R$ 3,986.45R$ 7.365210/14/163015830.02283154.57742R$ 2.90R$ 404.61R$ 3,581.84R$ 7.595311/14/163116140.02360151.12689R$ 2.84R$ 411.09R$ 3,170.74R$ 7.715412/14/163016440.02283147.75338R$ 2.77R$ 423.24R$ 2,747.50R$ 7.94551/14/173116750.02360144.45518R$ 2.71R$ 430.79R$ 2,316.72R$ 8.08562/14/173117060.02360141.23061R$ 2.65R$ 440.95R$ 1,875.77R$ 8.27573/14/172817340.02129138.07801R$ 2.59R$ 455.69R$ 1,420.08R$ 8.55584/14/173117650.02360134.99579R$ 2.53R$ 462.11R$ 957.96R$ 8.67595/14/173017950.02283131.98236R$ 2.48R$ 473.76R$ 484.20R$ 8.89606/14/173118260.02360129.03621R$ 2.42R$ 484.20-R$ 0.00R$ 9.09

Banco 2http://profelisson.com.br/planilhas-excel6/7/15VALORES REAISVALORES SIMULAOValor Financiado15000Valor da parcelaR$ 421.91Taxas0IOF PriceR$ 274.54N. parcelas60IOF VPR$ 255.97taxa de juros1.88000%Valor da parcelaR$ 429.64IOF TOTALR$ 275.54CET1.95000%

Critrio VALOR PRESENTECritrio PRICENDataDCDias acum.Juros per.VPIOF VPAmortSaldoIOF Price06/18/12R$ 15,000.0017/18/1230300.01880421.71182R$ 2.12R$ 139.91R$ 14,860.09R$ 0.7028/18/1231610.01943413.92994R$ 2.61R$ 133.14R$ 14,726.94R$ 0.8439/18/1231920.01943406.29165R$ 3.08R$ 135.73R$ 14,591.21R$ 1.03410/18/12301220.01880398.79432R$ 3.51R$ 147.60R$ 14,443.62R$ 1.30511/18/12311530.01943391.43533R$ 3.94R$ 141.24R$ 14,302.38R$ 1.42612/18/12301830.01880384.21215R$ 4.34R$ 153.03R$ 14,149.35R$ 1.7371/18/13312140.01943377.12225R$ 4.74R$ 146.95R$ 14,002.40R$ 1.8582/18/13312450.01943370.16318R$ 5.12R$ 149.81R$ 13,852.59R$ 2.0793/18/13282730.01754363.33253R$ 5.45R$ 179.00R$ 13,673.59R$ 2.68104/18/13313040.01943356.62792R$ 5.80R$ 156.20R$ 13,517.39R$ 2.54115/18/13303340.01880350.04704R$ 6.12R$ 167.79R$ 13,349.60R$ 2.94126/18/13313650.01943343.58759R$ 6.45R$ 162.49R$ 13,187.11R$ 3.05137/18/13303950.01880337.24734R$ 6.33R$ 174.00R$ 13,013.11R$ 3.27148/18/13314260.01943331.02409R$ 6.21R$ 169.03R$ 12,844.08R$ 3.17159/18/13314570.01943324.91567R$ 6.10R$ 172.32R$ 12,671.76R$ 3.231610/18/13304870.01880318.91998R$ 5.98R$ 183.68R$ 12,488.07R$ 3.451711/18/13315180.01943313.03492R$ 5.87R$ 179.24R$ 12,308.84R$ 3.361812/18/13305480.01880307.25846R$ 5.77R$ 190.51R$ 12,118.33R$ 3.57191/18/14315790.01943301.58860R$ 5.66R$ 186.42R$ 11,931.91R$ 3.50202/18/14316100.01943296.02336R$ 5.55R$ 190.04R$ 11,741.86R$ 3.57213/18/14286380.01754290.56082R$ 5.45R$ 216.01R$ 11,525.85R$ 4.05224/18/14316690.01943285.19907R$ 5.35R$ 197.94R$ 11,327.92R$ 3.71235/18/14306990.01880279.93627R$ 5.25R$ 208.95R$ 11,118.97R$ 3.92246/18/14317300.01943274.77058R$ 5.16R$ 205.84R$ 10,913.12R$ 3.86257/18/14307600.01880269.70022R$ 5.06R$ 216.75R$ 10,696.38R$ 4.07268/18/14317910.01943264.72342R$ 4.97R$ 214.05R$ 10,482.32R$ 4.02279/18/14318220.01943259.83846R$ 4.88R$ 218.21R$ 10,264.11R$ 4.092810/18/14308520.01880255.04364R$ 4.79R$ 228.95R$ 10,035.16R$ 4.302911/18/14318830.01943250.33730R$ 4.70R$ 226.90R$ 9,808.26R$ 4.263012/18/14309130.01880245.71780R$ 4.61R$ 237.52R$ 9,570.74R$ 4.46311/18/15319440.01943241.18355R$ 4.53R$ 235.93R$ 9,334.81R$ 4.43322/18/15319750.01943236.73297R$ 4.44R$ 240.51R$ 9,094.29R$ 4.51333/18/152810030.01754232.36452R$ 4.36R$ 262.44R$ 8,831.86R$ 4.92344/18/153110340.01943228.07668R$ 4.28R$ 250.29R$ 8,581.57R$ 4.70355/18/153010640.01880223.86796R$ 4.20R$ 260.58R$ 8,320.99R$ 4.89366/18/153110950.01943219.73690R$ 4.12R$ 260.21R$ 8,060.77R$ 4.88377/18/153011250.01880215.68208R$ 4.05R$ 270.37R$ 7,790.40R$ 5.07388/18/153111560.01943211.70208R$ 3.97R$ 270.53R$ 7,519.88R$ 5.08399/18/153111870.01943207.79553R$ 3.90R$ 275.78R$ 7,244.09R$ 5.184010/18/153012170.01880203.96106R$ 3.83R$ 285.73R$ 6,958.37R$ 5.364111/18/153112480.01943200.19735R$ 3.76R$ 286.69R$ 6,671.68R$ 5.384212/18/153012780.01880196.50309R$ 3.69R$ 296.49R$ 6,375.19R$ 5.56431/18/163113090.01943192.87700R$ 3.62R$ 298.03R$ 6,077.16R$ 5.59442/18/163113400.01943189.31783R$ 3.55R$ 303.82R$ 5,773.34R$ 5.70453/18/162913690.01817185.82433R$ 3.49R$ 317.03R$ 5,456.32R$ 5.95464/18/163114000.01943182.39530R$ 3.42R$ 315.88R$ 5,140.43R$ 5.93475/18/163014300.01880179.02954R$ 3.36R$ 325.27R$ 4,815.16R$ 6.10486/18/163114610.01943175.72590R$ 3.30R$ 328.34R$ 4,486.82R$ 6.16497/18/163014910.01880172.48321R$ 3.24R$ 337.56R$ 4,149.26R$ 6.33508/18/163115220.01943169.30036R$ 3.18R$ 341.28R$ 3,807.97R$ 6.40519/18/163115530.01943166.17625R$ 3.12R$ 347.91R$ 3,460.06R$ 6.535210/18/163015830.01880163.10979R$ 3.06R$ 356.86R$ 3,103.19R$ 6.705311/18/163116140.01943160.09991R$ 3.00R$ 361.61R$ 2,741.58R$ 6.795412/18/163016440.01880157.14557R$ 2.95R$ 370.37R$ 2,371.21R$ 6.95551/18/173116750.01943154.24575R$ 2.89R$ 375.83R$ 1,995.38R$ 7.05562/18/173117060.01943151.39944R$ 2.84R$ 383.14R$ 1,612.24R$ 7.19573/18/172817340.01754148.60566R$ 2.79R$ 393.64R$ 1,218.60R$ 7.39584/18/173117650.01943145.86342R$ 2.74R$ 398.23R$ 820.36R$ 7.47595/18/173017950.01880143.17179R$ 2.69R$ 406.49R$ 413.87R$ 7.63606/18/173118260.01943140.52983R$ 2.64R$ 413.87-R$ 0.00R$ 7.77