[go: up one dir, main page]
Scribd
Upload
19 views3 pages

Sistemas de Amortização

Uploaded by

Marcos Ferreira

The document compares two amortization methods - the French amortization system (SAF) and the constant amortization system (SAC). SAF uses decreasing payments over time, while SAC uses equal payments. The document provides an example of each method over 6 periods for a principal of 100,000 (SAF) and 129,000 (SAC), showing the amortization and interest amounts for each period. Tables of values for each method are shown out to 105 periods.

Copyright:

© All Rights Reserved
Download as XLS, PDF, TXT or read online from Scribd
Download as xls, pdf, or txt

Sistemas de Amortização

Uploaded by

Marcos Ferreira
19 views3 pages
The document compares two amortization methods - the French amortization system (SAF) and the constant amortization system (SAC). SAF uses decreasing payments over time, while SAC uses equal payments. The document provides an example of each method over 6 periods for a principal of 100,000 (SAF) and 129,000 (SAC), showing the amortization and interest amounts for each period. Tables of values for each method are shown out to 105 periods.

Original Title

SISTEMAS DE AMORTIZAÇÃO

Copyright

© © All Rights Reserved

Available Formats

XLS, PDF, TXT or read online from Scribd

Did you find this document useful?

Is this content inappropriate?

The document compares two amortization methods - the French amortization system (SAF) and the constant amortization system (SAC). SAF uses decreasing payments over time, while SAC uses equal payments. The document provides an example of each method over 6 periods for a principal of 100,000 (SAF) and 129,000 (SAC), showing the amortization and interest amounts for each period. Tables of values for each method are shown out to 105 periods.

Copyright:

© All Rights Reserved
Download as XLS, PDF, TXT or read online from Scribd
Download as xls, pdf, or txt
19 views3 pages

Sistemas de Amortização

Uploaded by

Marcos Ferreira
The document compares two amortization methods - the French amortization system (SAF) and the constant amortization system (SAC). SAF uses decreasing payments over time, while SAC uses equal payments. The document provides an example of each method over 6 periods for a principal of 100,000 (SAF) and 129,000 (SAC), showing the amortization and interest amounts for each period. Tables of values for each method are shown out to 105 periods.

Copyright:

© All Rights Reserved
Download as XLS, PDF, TXT or read online from Scribd
Download as xls, pdf, or txt
You are on page 1/ 3

SISTEMA DE AMORTIZAÇÃO FRANCÊS - SAF SISTEMA DE AMORTIZAÇÃO CONSTANTE - SAC

TAXA 2 AMORT. 100,000.00 TAXA 3 AMORT. 129,000.00 # JUROS


PRAZO 6 JUROS 7,115.49 PRAZO 6 JUROS 13,545.00 - 6,429.51
PV 100,000.00 TOTAL 107,115.49 PV 129,000.00 TOTAL 142,545.00
AMORT. 21,500.00

n SD AMORT. JUROS PMT n SD AMORT. JUROS PMT # PMT


0 100,000.00 0 129,000.00
1 84,147.42 15,852.58 2,000.00 17,852.58 1 107,500.00 21,500.00 3,870.00 25,370.00 (7,517.42)
2 67,977.79 16,169.63 1,682.95 17,852.58 2 86,000.00 21,500.00 3,225.00 24,725.00 (6,872.42)
3 51,484.76 16,493.03 1,359.56 17,852.58 3 64,500.00 21,500.00 2,580.00 24,080.00 (6,227.42)
4 34,661.87 16,822.89 1,029.70 17,852.58 4 43,000.00 21,500.00 1,935.00 23,435.00 (5,582.42)
5 17,502.53 17,159.34 693.24 17,852.58 5 21,500.00 21,500.00 1,290.00 22,790.00 (4,937.42)
6 0.00 17,502.53 350.05 17,852.58 6 - 21,500.00 645.00 22,145.00 (4,292.42)
7 0.00 (0.00) 0.00 - 7 - - - - -
8 0.00 (0.00) 0.00 - 8 - - - - -
9 0.00 (0.00) 0.00 - 9 - - - - -
10 0.00 (0.00) 0.00 - 10 - - - - -
11 0.00 (0.00) 0.00 - 11 - - - - -
12 0.00 (0.00) 0.00 - 12 - - - - -
13 0.00 (0.00) 0.00 - 13 - - - - -
14 0.00 (0.00) 0.00 - 14 - - - - -
15 0.00 (0.00) 0.00 - 15 - - - - -
16 0.00 (0.00) 0.00 - 16 - - - - -
17 0.00 (0.00) 0.00 - 17 - - - - -
18 0.00 (0.00) 0.00 - 18 - - - - -
19 0.00 (0.00) 0.00 - 19 - - - - -
20 0.00 (0.00) 0.00 - 20 - - - - -
21 0.00 (0.00) 0.00 - 21 - - - - -
22 0.00 (0.00) 0.00 - 22 - - - - -
23 0.00 (0.00) 0.00 - 23 - - - - -
24 0.00 (0.00) 0.00 - 24 - - - - -
25 0.00 (0.00) 0.00 - 25 - - - - -
25 0.00 (0.00) 0.00 - 25 - - - - -
27 0.00 (0.00) 0.00 - 27 - - - - -
28 0.00 (0.00) 0.00 - 28 - - - - -
29 0.00 (0.00) 0.00 - 29 - - - - -
30 0.00 (0.00) 0.00 - 30 - - - - -
31 0.00 (0.00) 0.00 - 31 - - - - -
32 0.00 (0.00) 0.00 - 32 - - - - -
33 0.00 (0.00) 0.00 - 33 - - - - -
34 0.00 (0.00) 0.00 - 34 - - - - -
35 0.00 (0.00) 0.00 - 35 - - - - -
36 0.00 (0.00) 0.00 - 36 - - - - -
37 0.00 (0.00) 0.00 - 37 - - - - -
38 0.00 (0.00) 0.00 - 38 - - - - -
39 0.00 (0.00) 0.00 - 39 - - - - -
40 0.00 (0.00) 0.00 - 40 - - - - -
41 0.00 (0.00) 0.00 - 41 - - - - -
42 0.00 (0.00) 0.00 - 42 - - - - -
43 0.00 (0.00) 0.00 - 43 - - - - -
44 0.00 (0.00) 0.00 - 44 - - - - -
45 0.00 (0.00) 0.00 - 45 - - - - -
46 0.00 (0.00) 0.00 - 46 - - - - -
47 0.00 (0.00) 0.00 - 47 - - - - -
48 0.00 (0.00) 0.00 - 48 - - - - -
49 0.00 (0.00) 0.00 - 49 - - - - -
50 0.00 (0.00) 0.00 - 50 - - - - -
51 0.00 (0.00) 0.00 - 51 - - - - -
52 0.00 (0.00) 0.00 - 52 - - - - -
53 0.00 (0.00) 0.00 - 53 - - - - -
54 0.00 (0.00) 0.00 - 54 - - - - -
55 0.00 (0.00) 0.00 - 55 - - - - -
56 0.00 (0.00) 0.00 - 56 - - - - -
57 0.00 (0.00) 0.00 - 57 - - - - -
58 0.00 (0.00) 0.00 - 58 - - - - -
59 0.00 (0.00) 0.00 - 59 - - - - -
60 0.00 (0.00) 0.00 - 60 - - - - -
61 0.00 (0.00) 0.00 - 61 - - - - -
62 0.00 (0.00) 0.00 - 62 - - - - -
63 0.00 (0.00) 0.00 - 63 - - - - -
64 0.00 (0.00) 0.00 - 64 - - - - -
65 0.00 (0.00) 0.00 - 65 - - - - -
66 0.00 (0.00) 0.00 - 66 - - - - -
67 0.00 (0.00) 0.00 - 67 - - - - -
68 0.00 (0.00) 0.00 - 68 - - - - -
69 0.00 (0.00) 0.00 - 69 - - - - -
70 0.00 (0.00) 0.00 - 70 - - - - -
71 0.00 (0.00) 0.00 - 71 - - - - -
72 0.00 (0.00) 0.00 - 72 - - - - -
73 0.00 (0.00) 0.00 - 73 - - - - -
74 0.00 (0.00) 0.00 - 74 - - - - -
75 0.00 (0.00) 0.00 - 75 - - - - -
76 0.00 (0.00) 0.00 - 76 - - - - -
77 0.00 (0.00) 0.00 - 77 - - - - -
78 0.00 (0.00) 0.00 - 78 - - - - -
79 0.00 (0.00) 0.00 - 79 - - - - -
80 0.00 (0.00) 0.00 - 80 - - - - -
81 0.00 (0.00) 0.00 - 81 - - - - -
82 0.00 (0.00) 0.00 - 82 - - - - -
83 0.00 (0.00) 0.00 - 83 - - - - -
84 0.00 (0.00) 0.00 - 84 - - - - -
85 0.00 (0.00) 0.00 - 85 - - - - -
86 0.00 (0.00) 0.00 - 86 - - - - -
87 0.00 (0.00) 0.00 - 87 - - - - -
88 0.00 (0.00) 0.00 - 88 - - - - -
89 0.00 (0.00) 0.00 - 89 - - - - -
90 0.00 (0.00) 0.00 - 90 - - - - -
91 0.00 (0.00) 0.00 - 91 - - - - -
92 0.00 (0.00) 0.00 - 92 - - - - -
93 0.00 (0.00) 0.00 - 93 - - - - -
94 0.00 (0.00) 0.00 - 94 - - - - -
95 0.00 (0.00) 0.00 - 95 - - - - -
96 0.00 (0.00) 0.00 - 96 - - - - -
97 0.00 (0.00) 0.00 - 97 - - - - -
98 0.00 (0.00) 0.00 - 98 - - - - -
99 0.00 (0.00) 0.00 - 99 - - - - -
100 0.00 (0.00) 0.00 - 100 - - - - -
101 0.00 (0.00) 0.00 - 101 - - - - -
102 0.00 (0.00) 0.00 - 102 - - - - -
103 0.00 (0.00) 0.00 - 103 - - - - -
104 0.00 (0.00) 0.00 - 104 - - - - -
105 0.00 (0.00) 0.00 - 105 - - - - -
106 0.00 (0.00) 0.00 - 106 - - - - -
107 0.00 (0.00) 0.00 - 107 - - - - -
108 0.00 (0.00) 0.00 - 108 - - - - -
109 0.00 (0.00) 0.00 - 109 - - - - -
110 0.00 (0.00) 0.00 - 110 - - - - -
111 0.00 (0.00) 0.00 - 111 - - - - -
112 0.00 (0.00) 0.00 - 112 - - - - -
113 0.00 (0.00) 0.00 - 113 - - - - -
114 0.00 (0.00) 0.00 - 114 - - - - -
115 0.00 (0.00) 0.00 - 115 - - - - -
116 0.00 (0.00) 0.00 - 116 - - - - -
117 0.00 (0.00) 0.00 - 117 - - - - -
118 0.00 (0.00) 0.00 - 118 - - - - -
119 0.00 (0.00) 0.00 - 119 - - - - -
120 0.00 (0.00) 0.00 - 120 - - - - -
(35,429.51)

You might also like