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12-6 Como usar o Solucionador de Finanças
Digite as variáveis de TVM conforme ilustrado no
diagrama acima. A tela de entrada de dados deverá
ter a seguinte aparência:
Selecionando o campo PMT, pressione a tecla de
função de menu para obter um pagamento
de -315,17 (ou seja, PMT =-315,17).
Para determinar o empréstimo máximo possível, caso
as prestações mensais sejam de apenas R$ 300,00,
digite o valor -300 no campo PMT, selecione o
campo. PV e pressione a tecla de função de menu
. O valor resultante é PV= R$ 15.705,85.
Exemplo 2 – Financiamento de imóvel com pagamento balão
Vamos supor que você tenha adquirido um imóvel com
um financiamento de 30 anos, no valor de R$
150.000,00 e a um juro anual de 6,5%. Você espera
vender a casa em 10 anos, reembolsando o empréstimo
em um pagamento balão. Calcule o tamanho do
pagamento balão – o valor do financiamento após 10
anos de pagamento.
Solução. O diagrama de fluxo de caixa a seguir ilustra o
caso do financiamento de imóvel com pagamento balão:
Inicie o Solucionador de Finanças, selecionando P/
YR (pagamentos por ano)=12 e a opção de
pagamento End (fim).
PV = $150,000
1
2
59
60
l%YR = 6.5
N = 30 x 12 = 360 (for PMT)
N = 10 x 12 = 120 (for balloon payment)
P/YR = 12; End mode
PMT = ?
Balloon payment,
FV = ?
162


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