segunda-feira, 30 de agosto de 2010

Minha casa, minha vida,......pagando a dívida.

O governo federal bate no peito e divulga a quatro ventos que resolverá o problema habitacional do Brasil, com o programa minha casa minha vida.

Fiz uma simulação para compra de um imóvel, de valor R$ 65.000,00 que deve ser possível comprar uma imóvel de uns 50 m2, em algum prédio na periferia da cidade.

Para isto um pessoa com 25 anos de idade, com renda familiar de R$ 3.000,00 e com R$ 13.000,00 para dar de entrada será um "feliz comprador" do imóvel, pagando hoje um prestação de cerca de R$ 500,00. 

Daqui a 30 anos, ou seja quando ele estiver com 55 anos, ele será o proprietário do imóvel, se este ainda estiver de pé é claro.

Por R$ 52.000,00 ele pagará R$ 185.000,00 sem consideramos a correção monetária no período, só de taxas junto a Caixa Federal ele pagará cerca de R$ 11.000,00 ou seja 1/5 do valor emprestado.

Planilha completa:

Residencial Valor do Imóvel:R$ 65.000,00
Aquisição de Imóvel Novo Renda Bruta: R$ 3.000,00
Pessoa Física Data de Nascimento: 15/10/1985
Cidade:SAO JOSE DO RIO PRETO-SP
Possui 3 anos de trabalho sob regime do FGTS: Sim
Já foi beneficiado com subsídio concedido pelo FGTS: Não
Data do Benefício Concedido:
Carta de Crédito FGTS - Minha Casa, Minha Vida
Valor do Financiamento: R$ 52.000,00 Prazo:
360 meses
Valor da Entrada: R$ 13.000,00 Juros (aa):
7,6600% a.a.
Sistema de Amortização: SACRE
Prazo de Construção: 0 meses
Prazo de Carência: 0 meses
Prazo de Amortização: 360 meses
CET - Custo efetivo Total: 9,2175%
CESH - Custo Efetivo do Seguro Habitacional: 0,0000%
Seguradora:
Componentes do CET
Valor do financiamento :R$ 52.000,00
Taxas à vista ( FGHab ) :R$ 529,53
1ª Prestação :R$ 507,89
Obs.:Consulte a opção de detalhamento na tela anterior.
Imprimir Imprimir Voltar
PLANILHA DE EVOLUÇÃO TEÓRICA PARA DEMONSTRAÇÃO DOS FLUXOS REFERENTES AOS PAGAMENTOS E RECEBIMENTOS CONSIDERADOS NO CÁLCULO DO CUSTO EFETIVO TOTAL - CET NAS CONDIÇÕES VIGENTES NA DATA DA SIMULAÇÃO
Fase de Amortização
Prestação(a+j)*Total SegurosTarifasSaldo Devedor
1507,89476,380,0031,5151.855,56
2507,89476,380,0031,5151.710,19
3507,89476,380,0031,5151.563,89
4507,89476,380,0031,5151.416,67
5507,89476,380,0031,5151.268,50
6507,89476,380,0031,5151.119,38
7507,89476,380,0031,5150.969,32
8507,89476,380,0031,5150.818,30
9507,89476,380,0031,5150.666,31
10507,89476,380,0031,5150.513,35
11507,89476,380,0031,5150.359,42
12507,89476,380,0031,5150.204,50
13496,25464,740,0031,5150.060,23
14496,25464,740,0031,5149.915,05
15496,25464,740,0031,5149.768,93
16496,25464,740,0031,5149.621,89
17496,25464,740,0031,5149.473,90
18496,25464,740,0031,5149.324,97
19496,25464,740,0031,5149.175,09
20496,25464,740,0031,5149.024,26
21496,25464,740,0031,5148.872,46
22496,25464,740,0031,5148.719,69
23496,25464,740,0031,5148.565,94
24496,25464,740,0031,5148.411,22
25484,62453,110,0031,5148.267,14
26484,62453,110,0031,5148.122,14
27484,62453,110,0031,5147.976,21
28484,62453,110,0031,5147.829,35
29484,62453,110,0031,5147.681,56
30484,62453,110,0031,5147.532,82
31484,62453,110,0031,5147.383,13
32484,62453,110,0031,5147.232,49
33484,62453,110,0031,5147.080,88
34484,62453,110,0031,5146.928,31
35484,62453,110,0031,5146.774,76
36484,62453,110,0031,5146.620,23
37472,99441,480,0031,5146.476,34
38472,99441,480,0031,5146.331,54
39472,99441,480,0031,5146.185,80
40472,99441,480,0031,5146.039,14
41472,99441,480,0031,5145.891,54
42472,99441,480,0031,5145.743,00
43472,99441,480,0031,5145.593,51
44472,99441,480,0031,5145.443,07
45472,99441,480,0031,5145.291,66
46472,99441,480,0031,5145.139,29
47472,99441,480,0031,5144.985,95
48472,99441,480,0031,5144.831,63
49461,38429,870,0031,5144.687,94
50461,38429,870,0031,5144.543,33
51461,38429,870,0031,5144.397,80
52461,38429,870,0031,5144.251,34
53461,38429,870,0031,5144.103,94
54461,38429,870,0031,5143.955,61
55461,38429,870,0031,5143.806,32
56461,38429,870,0031,5143.656,09
57461,38429,870,0031,5143.504,89
58461,38429,870,0031,5143.352,73
59461,38429,870,0031,5143.199,60
60461,38429,870,0031,5143.045,49
61449,77418,260,0031,5142.902,01
62449,77418,260,0031,5142.757,61
63449,77418,260,0031,5142.612,28
64449,77418,260,0031,5142.466,03
65449,77418,260,0031,5142.318,85
66449,77418,260,0031,5142.170,73
67449,77418,260,0031,5142.021,66
68449,77418,260,0031,5141.871,64
69449,77418,260,0031,5141.720,66
70449,77418,260,0031,5141.568,72
71449,77418,260,0031,5141.415,81
72449,77418,260,0031,5141.261,92
73438,17406,660,0031,5141.118,65
74438,17406,660,0031,5140.974,46
75438,17406,660,0031,5140.829,36
76438,17406,660,0031,5140.683,32
77438,17406,660,0031,5140.536,36
78438,17406,660,0031,5140.388,46
79438,17406,660,0031,5140.239,61
80438,17406,660,0031,5140.089,82
81438,17406,660,0031,5139.939,06
82438,17406,660,0031,5139.787,35
83438,17406,660,0031,5139.634,67
84438,17406,660,0031,5139.481,01
85426,58395,070,0031,5139.337,96
86426,58395,070,0031,5139.194,00
87426,58395,070,0031,5139.049,12
88426,58395,070,0031,5138.903,32
89426,58395,070,0031,5138.756,58
90426,58395,070,0031,5138.608,91
91426,58395,070,0031,5138.460,30
92426,58395,070,0031,5138.310,73
93426,58395,070,0031,5138.160,22
94426,58395,070,0031,5138.008,74
95426,58395,070,0031,5137.856,29
96426,58395,070,0031,5137.702,88
97414,99383,480,0031,5137.560,06
98414,99383,480,0031,5137.416,34
99414,99383,480,0031,5137.271,69
100414,99383,480,0031,5137.126,13
101414,99383,480,0031,5136.979,63
102414,99383,480,0031,5136.832,20
103414,99383,480,0031,5136.683,83
104414,99383,480,0031,5136.534,51
105414,99383,480,0031,5136.384,24
106414,99383,480,0031,5136.233,01
107414,99383,480,0031,5136.080,81
108414,99383,480,0031,5135.927,64
109403,42371,910,0031,5135.785,07
110403,42371,910,0031,5135.641,59
111403,42371,910,0031,5135.497,20
112403,42371,910,0031,5135.351,88
113403,42371,910,0031,5135.205,63
114403,42371,910,0031,5135.058,45
115403,42371,910,0031,5134.910,34
116403,42371,910,0031,5134.761,27
117403,42371,910,0031,5134.611,26
118403,42371,910,0031,5134.460,28
119403,42371,910,0031,5134.308,35
120403,42371,910,0031,5134.155,44
121391,85360,340,0031,5134.013,13
122391,85360,340,0031,5133.869,90
123391,85360,340,0031,5133.725,77
124391,85360,340,0031,5133.580,71
125391,85360,340,0031,5133.434,73
126391,85360,340,0031,5133.287,81
127391,85360,340,0031,5133.139,96
128391,85360,340,0031,5132.991,16
129391,85360,340,0031,5132.841,42
130391,85360,340,0031,5132.690,71
131391,85360,340,0031,5132.539,05
132391,85360,340,0031,5132.386,42
133380,29348,780,0031,5132.244,37
134380,29348,780,0031,5132.101,42
135380,29348,780,0031,5131.957,55
136380,29348,780,0031,5131.812,77
137380,29348,780,0031,5131.667,06
138380,29348,780,0031,5131.520,43
139380,29348,780,0031,5131.372,85
140380,29348,780,0031,5131.224,34
141380,29348,780,0031,5131.074,87
142380,29348,780,0031,5130.924,46
143380,29348,780,0031,5130.773,08
144380,29348,780,0031,5130.620,73
145368,74337,230,0031,5130.478,97
146368,74337,230,0031,5130.336,30
147368,74337,230,0031,5130.192,73
148368,74337,230,0031,5130.048,23
149368,74337,230,0031,5129.902,81
150368,74337,230,0031,5129.756,47
151368,74337,230,0031,5129.609,19
152368,74337,230,0031,5129.460,97
153368,74337,230,0031,5129.311,80
154368,74337,230,0031,5129.161,68
155368,74337,230,0031,5129.010,61
156368,74337,230,0031,5128.858,57
157357,19325,680,0031,5128.717,10
158357,19325,680,0031,5128.574,74
159357,19325,680,0031,5128.431,46
160357,19325,680,0031,5128.287,27
161357,19325,680,0031,5128.142,16
162357,19325,680,0031,5127.996,13
163357,19325,680,0031,5127.849,16
164357,19325,680,0031,5127.701,25
165357,19325,680,0031,5127.552,40
166357,19325,680,0031,5127.402,60
167357,19325,680,0031,5127.251,84
168357,19325,680,0031,5127.100,12
169345,65314,140,0031,5126.958,97
170345,65314,140,0031,5126.816,93
171345,65314,140,0031,5126.673,97
172345,65314,140,0031,5126.530,11
173345,65314,140,0031,5126.385,32
174345,65314,140,0031,5126.239,61
175345,65314,140,0031,5126.092,97
176345,65314,140,0031,5125.945,40
177345,65314,140,0031,5125.796,88
178345,65314,140,0031,5125.647,41
179345,65314,140,0031,5125.496,99
180345,65314,140,0031,5125.345,61
181334,11302,600,0031,5125.204,80
182334,11302,600,0031,5125.063,10
183334,11302,600,0031,5124.920,48
184334,11302,600,0031,5124.776,96
185334,11302,600,0031,5124.632,52
186334,11302,600,0031,5124.487,16
187334,11302,600,0031,5124.340,87
188334,11302,600,0031,5124.193,65
189334,11302,600,0031,5124.045,49
190334,11302,600,0031,5123.896,38
191334,11302,600,0031,5123.746,32
192334,11302,600,0031,5123.595,30
193322,57291,060,0031,5123.454,85
194322,57291,060,0031,5123.313,51
195322,57291,060,0031,5123.171,26
196322,57291,060,0031,5123.028,11
197322,57291,060,0031,5122.884,04
198322,57291,060,0031,5122.739,05
199322,57291,060,0031,5122.593,14
200322,57291,060,0031,5122.446,29
201322,57291,060,0031,5122.298,51
202322,57291,060,0031,5122.149,78
203322,57291,060,0031,5122.000,11
204322,57291,060,0031,5121.849,48
205311,04279,530,0031,5121.709,42
206311,04279,530,0031,5121.568,46
207311,04279,530,0031,5121.426,61
208311,04279,530,0031,5121.283,85
209311,04279,530,0031,5121.140,17
210311,04279,530,0031,5120.995,59
211311,04279,530,0031,5120.850,07
212311,04279,530,0031,5120.703,63
213311,04279,530,0031,5120.556,26
214311,04279,530,0031,5120.407,94
215311,04279,530,0031,5120.258,68
216311,04279,530,0031,5120.108,47
217299,51268,000,0031,5119.968,82
218299,51268,000,0031,5119.828,29
219299,51268,000,0031,5119.686,86
220299,51268,000,0031,5119.544,53
221299,51268,000,0031,5119.401,28
222299,51268,000,0031,5119.257,13
223299,51268,000,0031,5119.112,05
224299,51268,000,0031,5118.966,05
225299,51268,000,0031,5118.819,11
226299,51268,000,0031,5118.671,24
227299,51268,000,0031,5118.522,43
228299,51268,000,0031,5118.372,66
229287,98256,470,0031,5118.233,47
230287,98256,470,0031,5118.093,40
231287,98256,470,0031,5117.952,43
232287,98256,470,0031,5117.810,56
233287,98256,470,0031,5117.667,78
234287,98256,470,0031,5117.524,10
235287,98256,470,0031,5117.379,49
236287,98256,470,0031,5117.233,97
237287,98256,470,0031,5117.087,51
238287,98256,470,0031,5116.940,12
239287,98256,470,0031,5116.791,79
240287,98256,470,0031,5116.642,51
241276,43244,920,0031,5116.503,82
242276,43244,920,0031,5116.364,25
243276,43244,920,0031,5116.223,79
244276,43244,920,0031,5116.082,43
245276,43244,920,0031,5115.940,16
246276,43244,920,0031,5115.796,99
247276,43244,920,0031,5115.652,91
248276,43244,920,0031,5115.507,90
249276,43244,920,0031,5115.361,97
250276,43244,920,0031,5115.215,11
251276,43244,920,0031,5115.067,31
252276,43244,920,0031,5114.918,57
253264,88233,370,0031,5114.780,44
254264,88233,370,0031,5114.641,42
255264,88233,370,0031,5114.501,51
256264,88233,370,0031,5114.360,72
257264,88233,370,0031,5114.219,02
258264,88233,370,0031,5114.076,42
259264,88233,370,0031,5113.932,91
260264,88233,370,0031,5113.788,48
261264,88233,370,0031,5113.643,14
262264,88233,370,0031,5113.496,86
263264,88233,370,0031,5113.349,65
264264,88233,370,0031,5113.201,50
265253,30221,790,0031,5113.063,98
266253,30221,790,0031,5112.925,59
267253,30221,790,0031,5112.786,31
268253,30221,790,0031,5112.646,15
269253,30221,790,0031,5112.505,09
270253,30221,790,0031,5112.363,13
271253,30221,790,0031,5112.220,26
272253,30221,790,0031,5112.076,48
273253,30221,790,0031,5111.931,78
274253,30221,790,0031,5111.786,16
275253,30221,790,0031,5111.639,61
276253,30221,790,0031,5111.492,13
277241,68210,170,0031,5111.355,31
278241,68210,170,0031,5111.217,63
279241,68210,170,0031,5111.079,07
280241,68210,170,0031,5110.939,62
281241,68210,170,0031,5110.799,28
282241,68210,170,0031,5110.658,05
283241,68210,170,0031,5110.515,91
284241,68210,170,0031,5110.372,87
285241,68210,170,0031,5110.228,91
286241,68210,170,0031,5110.084,04
287241,68210,170,0031,519.938,24
288241,68210,170,0031,519.791,51
289230,01198,500,0031,519.655,52
290230,01198,500,0031,519.518,66
291230,01198,500,0031,519.380,92
292230,01198,500,0031,519.242,31
293230,01198,500,0031,519.102,81
294230,01198,500,0031,518.962,42
295230,01198,500,0031,518.821,13
296230,01198,500,0031,518.678,95
297230,01198,500,0031,518.535,85
298230,01198,500,0031,518.391,84
299230,01198,500,0031,518.246,91
300230,01198,500,0031,518.101,06
301218,24186,730,0031,517.966,04
302218,24186,730,0031,517.830,16
303218,24186,730,0031,517.693,42
304218,24186,730,0031,517.555,80
305218,24186,730,0031,517.417,30
306218,24186,730,0031,517.277,92
307218,24186,730,0031,517.137,64
308218,24186,730,0031,516.996,48
309218,24186,730,0031,516.854,41
310218,24186,730,0031,516.711,43
311218,24186,730,0031,516.567,55
312218,24186,730,0031,516.422,74
313206,32174,810,0031,516.288,93
314206,32174,810,0031,516.154,27
315206,32174,810,0031,516.018,75
316206,32174,810,0031,515.882,36
317206,32174,810,0031,515.745,11
318206,32174,810,0031,515.606,97
319206,32174,810,0031,515.467,96
320206,32174,810,0031,515.328,06
321206,32174,810,0031,515.187,26
322206,32174,810,0031,515.045,57
323206,32174,810,0031,514.902,97
324206,32174,810,0031,514.759,46
325194,10162,590,0031,514.627,26
326194,10162,590,0031,514.494,21
327194,10162,590,0031,514.360,30
328194,10162,590,0031,514.225,55
329194,10162,590,0031,514.089,93
330194,10162,590,0031,513.953,45
331194,10162,590,0031,513.816,10
332194,10162,590,0031,513.677,87
333194,10162,590,0031,513.538,76
334194,10162,590,0031,513.398,76
335194,10162,590,0031,513.257,87
336194,10162,590,0031,513.116,07
337181,24149,730,0031,512.986,24
338181,24149,730,0031,512.855,57
339181,24149,730,0031,512.724,07
340181,24149,730,0031,512.591,73
341181,24149,730,0031,512.458,55
342181,24149,730,0031,512.324,52
343181,24149,730,0031,512.189,63
344181,24149,730,0031,512.053,88
345181,24149,730,0031,511.917,26
346181,24149,730,0031,511.779,77
347181,24149,730,0031,511.641,41
348181,24149,730,0031,511.502,16
349166,28134,770,0031,511.376,98
350166,28134,770,0031,511.251,00
351166,28134,770,0031,511.124,22
352166,28134,770,0031,51996,62
353166,28134,770,0031,51868,22
354166,28134,770,0031,51738,99
355166,28134,770,0031,51608,94
356166,28134,770,0031,51478,06
357166,28134,770,0031,51346,34
358166,28134,770,0031,51213,78
359166,28134,770,0031,5180,38
360112,4080,890,0031,510,00
Observação: Os resultados obtidos representam apenas uma simulação e não valem como proposta, pois estão sujeitos as alterações de acordo com a apuração da capacidade de pagamento e à aprovação da análise de risco a ser efetuada pela CAIXA. Poderá haver alterações das taxas, dos prazos e das demais condições, sem aviso prévio. A contratação está condicionada ao atendimento das exigências do programa.

O CET apresentado corresponde somente à fase de amortização. Nos casos de construção o CET pode variar em função do cronograma de cada obra.
E o povo ainda acha que está tudo bem, o dia que brasileiro aprender a fazer contas, não entra numa roubada destas.

Um comentário:

  1. Isso é brincar com a inteligencia das pessoas , hein !!! qualquer um que souber usar um simples calculadora vai saber que nao chega nunca neste valor que foi citado!.

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