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  • Porto 5 Smart Living

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    Guilherme Moura
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    The document shows a payment schedule for a loan with an original value of R$443,143.08 according to the standard table versus a proposed alternative payment schedule. The standard table schedule consists of monthly payments of R$3,102 for 24 months followed by a larger payment of R$10,502.49 for months 12 and 24. The proposed alternative schedule reduces the monthly payments for most periods to R$1,500 but with larger lump payments of R$36,500 in month 1 and R$19,000 in month 25, and a final payment of R$356,000 in month 26. The analysis shows the proposed alternative schedule results in only a 0.04% reduction in the present value of the

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    The document shows a payment schedule for a loan with an original value of R$443,143.08 according to the standard table versus a proposed alternative payment schedule. The standard table schedule consists of monthly payments of R$3,102 for 24 months followed by a larger payment of R$10,502.49 for months 12 and 24. The proposed alternative schedule reduces the monthly payments for most periods to R$1,500 but with larger lump payments of R$36,500 in month 1 and R$19,000 in month 25, and a final payment of R$356,000 in month 26. The analysis shows the proposed alternative schedule results in only a 0.04% reduction in the present value of the

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    © All Rights Reserved
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    7 views2 pages

    Porto 5 Smart Living

    Uploaded by

    Guilherme Moura
    The document shows a payment schedule for a loan with an original value of R$443,143.08 according to the standard table versus a proposed alternative payment schedule. The standard table schedule consists of monthly payments of R$3,102 for 24 months followed by a larger payment of R$10,502.49 for months 12 and 24. The proposed alternative schedule reduces the monthly payments for most periods to R$1,500 but with larger lump payments of R$36,500 in month 1 and R$19,000 in month 25, and a final payment of R$356,000 in month 26. The analysis shows the proposed alternative schedule results in only a 0.04% reduction in the present value of the

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    © All Rights Reserved
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    of 2

    Cálculo VPL

    Smart Living
    xx xx | xx | R$ 443.143,08
    R$ 443.143,08 R$ 447.500,00
    Parcela Data Tabela Proposta

    Ato Mar-23 R$ 44.314,31 36.500,00

    1 Apr-23 R$ 3.102,00 1.500,00

    2 May-23 R$ 3.102,00 1.500,00

    3 Jun-23 R$ 3.102,00 1.500,00

    4 Jul-23 R$ 3.102,00 1.500,00

    5 Aug-23 R$ 3.102,00 1.500,00

    6 Sep-23 R$ 3.102,00 1.500,00

    7 Oct-23 R$ 3.102,00 1.500,00

    8 Nov-23 R$ 3.102,00 1.500,00

    9 Dec-23 R$ 3.102,00 1.500,00

    10 Jan-24 R$ 3.102,00 1.500,00

    11 Feb-24 R$ 3.102,00 1.500,00

    12+R1 Mar-24 R$ 10.502,49 1.500,00

    13 Apr-24 R$ 3.102,00 1.500,00

    14 May-24 R$ 3.102,00 1.500,00

    15 Jun-24 R$ 3.102,00 1.500,00

    16 Jul-24 R$ 3.102,00 1.500,00


    R$ 443.143,08 R$ 447.500,00
    Parcela Data Tabela Proposta

    17 Aug-24 R$ 3.102,00 1.500,00

    18 Sep-24 R$ 3.102,00 1.500,00

    19 Oct-24 R$ 3.102,00 1.500,00

    20 Nov-24 R$ 3.102,00 1.500,00

    21 Dec-24 R$ 3.102,00 1.500,00

    22 Jan-25 R$ 3.102,00 1.500,00

    23 Feb-25 R$ 3.102,00 1.500,00

    24+R2 Mar-25 R$ 10.502,49 1.500,00

    25 Apr-25 R$ 3.102,00 19.000,00

    26 May-25 R$ 306.477,75 356.000,00

    IMPRIMIR

    Cálculo VPL
    VPL Tabela
    R$ 400.860,97

    R$ 447.500,00
    VPL Proposta
    R$ 401.003,72

    0.04%
    Perda VPL
    R$ 142,75

    % Perda VPL
    0.04

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