Para saber a resposta do exercício da aula anteri=
or,
acesse: http://=
www.guiafacilcdc.com.br/aula/r_aula2.mht
Para visualizar a aula anterior, acesse: http://www.guiafacil=
cdc.com.br/aula/aula2.mht
AULA DA SEMANA
Rendimento do seu
dinheiro em qualquer aplicação financeira através de j=
uros
simples e compostos
Na aula dessa semana será abordado apenas o tema
juros simples. O assunto juros compostos será tratado na semana
subseqüente.
Para saber quanto um valor renderá num perí=
;odo
de tempo, soma-se o mesmo ao valor dos juros gerados nesse período.
Então:
![](3D"aula3_arquivos/image002.gif")
Notação:
|
M
|
Montante (Capital Final)
|
|
P
|
Valor Principal (Capital Inicial)
|
|
J
|
Valor dos Juros
|
Para encontrar o valor dos juros, multiplica-se o valor
principal pela taxa de juros multiplicada pela quantidade de meses do
investimento. Então:
![](3D"aula3_arquivos/image004.gif")
Notação:
|
J
|
Valor dos Juros
|
|
P
|
Valor Principal (Capital Inicial)
|
|
i
|
Taxa de Juros
|
|
n
|
Tempo (Quantidade de Meses)
|
Exemplo de
utilização das fórmulas
Imagine que A
tomou emprestado de B R$ 100,0=
0 (Cem
Reais), para devolver três (3) meses depois, a uma taxa de juros mens=
al
igual a 10%. Quanto A dever&aa=
cute;
devolver para B?
Primeiramente, encontra-se o valor dos juros gerados no
período de tempo. Então:
![](3D"aula3_arquivos/image006.gif")
Portanto, o valor dos juros gerados nos três (3) m=
eses
é de R$ 30,00 (Trinta Reais).
Agora se soma o valor principal ao valor dos juros, para
saber quanto A deverá
devolver a B. Então:
![](3D"aula3_arquivos/image008.gif")
Conclui-se que =
A
vai devolver R$ 130,00 (Cento e Trinta Reais) para B.
Atenç&ati=
lde;o: A resolução do
exemplo acima é bem parecida com a da aula anterior. O que mudou foi
apenas a descoberta do percentual de juros. Nesse exemplo não houve a
ocorrência de juro sobre juro, porque isso só acontece em se
tratando de aplicação com juros compostos.<=
/p>
EXERCÍCIO=
Sabendo que A
pagou R$ 160,00 para B por
empréstimo feito há três (3) meses, com uma taxa de jur=
os
mensal de 5%, quanto ele realmente tomou emprestado?
Auxílio
à resposta:
Se você achou R$ 136,00 (Cento e Trinta e Seis Reais), errou.
Para saber a resposta dessa questão, acesse: http://www.guiafac=
ilcdc.com.br/aula/r_aula3.mht
Próxima a=
ula: Continuação do =
tema
“Rendimento do seu dinheiro em qualquer aplicação
financeira através de juros simples e compostos”.
Nota geral: A aplicação de =
todos
os exercícios no programa Excel será ensinada futuramente.
Prof. Raphael Trevizam
E-mail. adm@guiafacilcdc.com.br
Cel. (19) 9677-0888<=
/span>
Aula 3
Data de criação:
20/01/2008
Previsão para a
substituição: 27/01/2008
Data de revisão: 15/05/2=
010
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