juros simples
e D UHPXQHUDomR
GR FDSLWDO SHOR
VHX XVR DOWHUQDWLYR
*HQHULFDPHQWH WRGDV DV
IRUPDV GH UHPXQHUDomR GH
FDSLWDO SRGHP VHU
FRQVLGHUDGDV FRPR XP MXUR
7$;$ '( -8526 e R FXVWR GH VH WRPDU
GLQKHLUR HPSUHVWDGR H
DR PHVPR WHPSR p D
UHFRPSHQVD SRU
HPSUHVWi OR
2
7$;$ '( -8526 e D UD]mR HQWUH RV MXURV
UHFHELGRV RX SDJRV QR
ILP GH XP SHUtRGR GH
WHPSR H R FDSLWDO
LQLFLDOPHQWH HPSUHJDGR
Cálculos com Taxas de Juros
48$1'2 86$5 $6 )Ð508/$6 '$ 0$7(0É7,&$ ),1$1&(,5$
6(035( ',9,'$ $ 7$;$ 3(5&(178$/ 325
DR PrV
DR VHPHVWUH
DR DQR
AVISO IMPORTANTE: Nas máquinas financeiras, as taxas de juros devem ser introduzidas na forma percentual, já que estas fazem a divisão por 100 automaticamente.
3
Formas de Expressão da Taxa de Juros
7$;$ 3(5&(178$/
7$;$ 81,7É5,$
2 9$/25 '2 ',1+(,52 12 7(032
8P 5($/ KRMH YDOH PDLV TXH XP 5($/ DPDQKm
' , 1 + ( ,5 2 5 ( & ( % ,' 2 + 2 - (
5
5
0
1
2
3
4
5
-852
...
n
' , 1 + ( ,5 2 5 ( & ( % ,' 2 1 2 ) 8 7 8 5 2
5
0
1
2
3
4
5
...
n
4
2 9$/25 '2 ',1+(,52 12 7(032
8P 5($/ KRMH YDOH PDLV TXH XP 5($/ DPDQKm
75È6 027,926 3$5$ ,662 6(5 9(5'$'(
SRGHPRV LQYHVWLU R GLQKHLUR TXH WHPRV
KRMH SDUD SURGX]LU MXUR H UHFHEHUPRV
PDLV QR IXWXUR
R SRGHU GR GLQKHLUR PXGD DR ORQJR GR
WHPSR HP YLUWXGH GD LQIODomR
R UHFHELPHQWR GR GLQKHLUR QR IXWXUR p
LQFHUWR RX VHMD H[LVWH ULVFR
(VWD DVVHUWLYD YDOH SDUD TXDOTXHU PRHGD
´8P 'Ð/$5 KRMH YDOH PDLV TXH XP 'Ð/$5 DPDQKmµ
´8P 0$5&2 $/(0®2 KRMH YDOH PDLV TXH XP 0$5&2 $/(0®2 DPDQKmµ
'LDJUDPD GRV )OX[RV GH &DL[D
5
',$*5$0$ '26 )/8;26 '( &$,;$
25.000
30.000
15.000
0
10.000
1
20.000
2
3
5.000
4
5
...
n
5HSUHVHQWDomR HVTXHPiWLFD GDV HQWUDGDV H VDtGDV GH FDSLWDLV
QXPD HVFDOD WHPSRUDO FXMRV SHUtRGRV GH WHPSR SRGHP VHU GDGRV
HP PHVHV WULPHVWUHV VHPHVWUHV H DQXDLV DGRWDQGR VH DV
FRQYHQo}HV GH FDSLWDLV UHVXOWDQWHV H GH ILQDO GH SHUtRGR PRGR (1'
GDV PiTXLQDV