{"text_format":"1","workbook":"xlsx","n_sheets":6,"sheets":["Cenário 1","Taxa Flat 1","Cenário 2","Taxa Flat 2","Cenário 3","Taxa Flat 3"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":17,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cenário 1","index":0,"n_rows":71,"n_cols":11,"rows_kept":71,"cut":false,"hidden":false,"merged":[[13,5,16,5],[13,6,16,6],[12,8,12,10],[13,8,16,8],[13,9,16,9],[13,10,16,10],[4,0,4,10],[7,9,8,9],[7,10,8,10],[13,2,16,2],[7,0,7,1],[12,0,16,0],[12,1,16,1],[12,2,12,4],[12,5,12,6],[12,7,16,7],[13,3,16,3],[13,4,16,4]]}
[]
[]
[]
[]
["MODELO - Deve ser adaptado utilizando os valores, taxas e prazos do contrato"]
[]
[]
["Liberação em:",null,null,null,null,null,null,null,null,"Taxa efetiva\nanual","Taxa nominal\nmensal"]
["Data","Valor (R$)"]
["2025-12-15",120000,null,null,null,null,null,null,null,0.13009999999999999,{"$f":"(((1+J10)^(1/12))-1)","v":1.0244294180233871E-2}]
[]
["Valores em R$"]
["Data de Vencimento","Principal \nAtualizado","Juros Compensatórios (1)",null,null,"Amortização (2)",null,"Prestação","Outros Eventos"]
[null,null,"Taxa % a.a.","Dias ","Valor","nº de parcelas\nrestantes","Valor",null,"Taxa Flat\n(3)","Remuneração\n(4)","Total \nOutros Eventos"]
[]
[]
[]
["2026-01-15",{"$f":"B10","v":120000},{"$f":"J10","v":0.13009999999999999},{"$f":"DAYS360(A10,A18,TRUE)","v":30},{"$f":"round_to_even(B18*((1+$J$10)^(D18/360)-1),2)","v":1229.32},120,{"$f":"round_to_even((B18*($K$10*((1+$K$10)^F18))/(((1+$K$10)^F18)-1))-(B18*$K$10),2)","v":512.73},{"$f":"G18+E18","v":1742.05},{"$f":"'Taxa Flat 1'!D7","v":29.1},{"$f":"'Taxa Flat 1'!D8","v":0.33999999999999986},{"$f":"I18+J18","v":29.44}]
["2026-02-15",{"$f":"round_to_even((B18-G18),2)","v":119487.27},{"$f":"C18","v":0.13009999999999999},{"$f":"DAYS360(A18,A19,TRUE)","v":30},{"$f":"round_to_even(B19*((1+$J$10)^(D19/360)-1),2)","v":1224.06},{"$f":"F18-1","v":119},{"$f":"round_to_even((B19*($K$10*((1+$K$10)^F19))/(((1+$K$10)^F19)-1))-(B19*$K$10),2)","v":517.99},1742.05]
["2026-03-15",{"$f":"round_to_even((B19-G19),2)","v":118969.28},{"$f":"C19","v":0.13009999999999999},30,{"$f":"round_to_even(B20*((1+$J$10)^(D20/360)-1),2)","v":1218.76},118,{"$f":"round_to_even((B20*($K$10*((1+$K$10)^F20))/(((1+$K$10)^F20)-1))-(B20*$K$10),2)","v":523.29},1742.05]
["2026-04-15",{"$f":"round_to_even((B20-G20),2)","v":118445.99},{"$f":"C20","v":0.13009999999999999},{"$f":"DAYS360(A20,A21,TRUE)","v":30},{"$f":"round_to_even(B21*((1+$J$10)^(D21/360)-1),2)","v":1213.4000000000001},117,{"$f":"round_to_even((B21*($K$10*((1+$K$10)^F21))/(((1+$K$10)^F21)-1))-(B21*$K$10),2)","v":528.65},{"$f":"G21+E21","v":1742.0500000000002}]
["2026-05-15",{"$f":"round_to_even((B21-G21),2)","v":117917.34},0.13009999999999999,30,{"$f":"round_to_even(B22*((1+$J$10)^(D22/360)-1),2)","v":1207.98},116,{"$f":"round_to_even((B22*($K$10*((1+$K$10)^F22))/(((1+$K$10)^F22)-1))-(B22*$K$10),2)","v":534.07000000000005},1742.0500000000002]
["2026-06-15",{"$f":"round_to_even((B22-G22),2)","v":117383.27},0.13009999999999999,30,{"$f":"round_to_even(B23*((1+$J$10)^(D23/360)-1),2)","v":1202.51},115,{"$f":"round_to_even((B23*($K$10*((1+$K$10)^F23))/(((1+$K$10)^F23)-1))-(B23*$K$10),2)","v":539.54},1742.05]
["2026-07-15",{"$f":"round_to_even((B23-G23),2)","v":116843.73},0.13009999999999999,30,{"$f":"round_to_even(B24*((1+$J$10)^(D24/360)-1),2)","v":1196.98},114,{"$f":"round_to_even((B24*($K$10*((1+$K$10)^F24))/(((1+$K$10)^F24)-1))-(B24*$K$10),2)","v":545.07000000000005},1742.0500000000002]
["2026-08-15",{"$f":"round_to_even((B24-G24),2)","v":116298.66},0.13009999999999999,30,{"$f":"round_to_even(B25*((1+$J$10)^(D25/360)-1),2)","v":1191.4000000000001},113,{"$f":"round_to_even((B25*($K$10*((1+$K$10)^F25))/(((1+$K$10)^F25)-1))-(B25*$K$10),2)","v":550.65},1742.0500000000002]
["2026-09-15",{"$f":"round_to_even((B25-G25),2)","v":115748.01},0.13009999999999999,30,{"$f":"round_to_even(B26*((1+$J$10)^(D26/360)-1),2)","v":1185.76},112,{"$f":"round_to_even((B26*($K$10*((1+$K$10)^F26))/(((1+$K$10)^F26)-1))-(B26*$K$10),2)","v":556.29},1742.05]
["2026-10-15",{"$f":"round_to_even((B26-G26),2)","v":115191.72},0.13009999999999999,30,{"$f":"round_to_even(B27*((1+$J$10)^(D27/360)-1),2)","v":1180.06},111,{"$f":"round_to_even((B27*($K$10*((1+$K$10)^F27))/(((1+$K$10)^F27)-1))-(B27*$K$10),2)","v":561.99},1742.05]
["2026-11-15",{"$f":"round_to_even((B27-G27),2)","v":114629.73},{"$f":"C27","v":0.13009999999999999},{"$f":"DAYS360(A27,A28,TRUE)","v":30},{"$f":"round_to_even(B28*((1+$J$10)^(D28/360)-1),2)","v":1174.3},110,{"$f":"round_to_even((B28*($K$10*((1+$K$10)^F28))/(((1+$K$10)^F28)-1))-(B28*$K$10),2)","v":567.75},{"$f":"G28+E28","v":1742.05}]
["continua..."]
[]
[]
["FÓRMULAS DE CÁLCULO"]
[]
["(1) Juros Compensatórios"]
[]
["arredondamento em 15 casas decimais"]
[]
["= (Principal x Fator de Atualização)"]
[]
["arredondamento bancário em 2 casas decimais"]
[]
["Fator de Atualização"]
["= (1 + Taxa % a.a.)Dias360/360-1"]
[]
[]
["(2) Amortização (com arredondamento bancário em 2 casas decimais)"]
[]
["= Principal x (TaxaNominalMensal x ((1 + TaxaNominalMensal)ParcelasRestantes)) / (((1 + TaxaNominalMensal)ParcelasRestantes) -1)) - (Principal  x TaxaNominalMensal)"]
[]
[]
["(3) Taxa Flat (com arredondamento bancário em 2 casas decimais)"]
[]
["= Liberação x 0,024246%"]
["ou, quando aplicável,"]
["= (Liberação - Devolução de Liberação) x 0,024246%"]
[]
[]
["(4) Remuneração "]
["arredondamento em 15 casas decimais"]
[]
["= (Base de Cálculo x Fator de Remuneração) - Base de Cálculo "]
[]
["arredondamento bancário em 2 casas decimais"]
[]
["Fator de Remuneração"]
["= Produtório dos Fatores Diários SELIC apurados desde a data inicial (inclusive)  "]
["até o dia do efetivo pagamento (exclusive)"]
["Fator Diário Selic "]
["= (1+ Selic % a.a.)1/252 "]
[]
["arredondamento em 8 casas decimais"]

{"sheet":"Taxa Flat 1","index":1,"n_rows":27,"n_cols":7,"rows_kept":27,"cut":false,"hidden":false,"merged":[[2,0,2,7]]}
["% TAXA FLAT",2.4246000000000001E-4]
[]
["A atualização da Taxa Flat é calculada pelo Fator SELIC, desde o dia da Liberação (inclusive) até o dia do efetivo pagamento (exclusive)."]
[]
["DATA DE VENCIMENTO","DATA DE PAGAMENTO","EVENTO","VALOR",null,"Data","Fator Diário SELIC *"]
[{"$f":"'Cenário 1'!A10","v":"2025-12-15"},{"$f":"A6","v":"2025-12-15"},"LIBERACAO",{"$f":"'Cenário 1'!B10","v":120000},null,"2025-12-15",1.0005513100000001]
[{"$f":"'Cenário 1'!A18","v":"2026-01-15"},{"$f":"A7","v":"2026-01-15"},"TAXA FLAT",{"$f":"round_to_even(D6*$B$1,2)","v":29.1},null,"2025-12-16",1.0005513100000001]
[{"$f":"A7","v":"2026-01-15"},{"$f":"B7","v":"2026-01-15"},"REMUNERAÇÃO",{"$f":"round_to_even(D7*ROUND(PRODUCT(G6:G26),15),2)-D7","v":0.33999999999999986},null,"2025-12-17",1.0005513100000001]
[null,null,null,null,null,"2025-12-18",1.0005513100000001]
[null,null,null,null,null,"2025-12-19",1.0005513100000001]
[null,null,null,null,null,"2025-12-22",1.0005513100000001]
[null,null,null,null,null,"2025-12-23",1.0005513100000001]
[null,null,null,null,null,"2025-12-24",1.0005513100000001]
[null,null,null,null,null,"2025-12-26",1.0005513100000001]
[null,null,null,null,null,"2025-12-29",1.0005513100000001]
[null,null,null,null,null,"2025-12-30",1.0005513100000001]
[null,null,null,null,null,"2025-12-31",1.0005513100000001]
[null,null,null,null,null,"2026-01-02",1.0005513100000001]
[null,null,null,null,null,"2026-01-05",1.0005513100000001]
[null,null,null,null,null,"2026-01-06",1.0005513100000001]
[null,null,null,null,null,"2026-01-07",1.0005513100000001]
[null,null,null,null,null,"2026-01-08",1.0005513100000001]
[null,null,null,null,null,"2026-01-09",1.0005513100000001]
[null,null,null,null,null,"2026-01-12",1.0005513100000001]
[null,null,null,null,null,"2026-01-13",1.0005513100000001]
[null,null,null,null,null,"2026-01-14",1.0005513100000001]
["*","https://www.bcb.gov.br/estabilidadefinanceira/selicdadosdiarios"]

{"sheet":"Cenário 2","index":2,"n_rows":66,"n_cols":11,"rows_kept":66,"cut":false,"hidden":false,"merged":[[12,7,16,7],[13,2,16,2],[4,0,4,10],[13,3,16,3],[13,4,16,4],[13,5,16,5],[13,6,16,6],[7,0,7,1],[12,0,16,0],[12,1,16,1],[12,2,12,4],[12,5,12,6],[7,9,8,9],[7,10,8,10],[12,8,12,10],[13,8,16,8],[13,9,16,9],[13,10,16,10]]}
[]
[]
[]
[]
["MODELO - Deve ser adaptado utilizando os valores, taxas e prazos do contrato"]
[]
[]
["Liberação em:",null,null,null,null,null,null,null,null,"Taxa efetiva\nanual","Taxa nominal\nmensal"]
["Data","Valor (R$)"]
["2026-05-20",148000,null,null,null,null,null,null,null,0.14130000000000001,{"$f":"(((1+J10)^(1/12))-1)","v":1.1074874325088357E-2}]
[]
["Valores em R$"]
["Data de Vencimento","Principal \nAtualizado","Juros Compensatórios",null,null,"Amortização",null,"Prestação","Outros Eventos"]
[null,null,"Taxa % a.a.","Dias ","Valor","nº de parcelas\nrestantes","Valor",null,"Taxa Flat\n(3)","Remuneração\n(4)","Total \nOutros Eventos"]
[]
[]
[]
["2026-07-15",{"$f":"B10","v":148000},{"$f":"J10","v":0.14130000000000001},{"$f":"DAYS360(A10,A18,TRUE)","v":55},{"$f":"round_to_even(B18*((1+$J$10)^(D18/360)-1),2)","v":3018.84},12,{"$f":"round_to_even((B18*($K$10*((1+$K$10)^F18))/(((1+$K$10)^F18)-1))-(B18*$K$10),2)","v":11600.01},{"$f":"G18+E18","v":14618.85},{"$f":"'Taxa Flat 2'!D7","v":35.880000000000003},{"$f":"'Taxa Flat 2'!D8","v":0.32999999999999829},{"$f":"I18+J18","v":36.21}]
["2026-08-15",{"$f":"round_to_even((B18-G18),2)","v":136399.99},{"$f":"C18","v":0.14130000000000001},{"$f":"DAYS360(A18,A19,TRUE)","v":30},{"$f":"round_to_even(B19*((1+$J$10)^(D19/360)-1),2)","v":1510.61},{"$f":"F18-1","v":11},{"$f":"round_to_even((B19*($K$10*((1+$K$10)^F19))/(((1+$K$10)^F19)-1))-(B19*$K$10),2)","v":11728.48},13239.09]
["2026-09-15",{"$f":"round_to_even((B19-G19),2)","v":124671.51},{"$f":"C19","v":0.14130000000000001},30,{"$f":"round_to_even(B20*((1+$J$10)^(D20/360)-1),2)","v":1380.72},10,{"$f":"round_to_even((B20*($K$10*((1+$K$10)^F20))/(((1+$K$10)^F20)-1))-(B20*$K$10),2)","v":11858.37},13239.09]
["2026-10-15",{"$f":"round_to_even((B20-G20),2)","v":112813.14},{"$f":"C20","v":0.14130000000000001},30,{"$f":"round_to_even(B21*((1+$J$10)^(D21/360)-1),2)","v":1249.3900000000001},9,{"$f":"round_to_even((B21*($K$10*((1+$K$10)^F21))/(((1+$K$10)^F21)-1))-(B21*$K$10),2)","v":11989.7},13239.09]
["2026-11-15",{"$f":"round_to_even((B21-G21),2)","v":100823.44},0.14130000000000001,30,{"$f":"round_to_even(B22*((1+$J$10)^(D22/360)-1),2)","v":1116.6099999999999},8,{"$f":"round_to_even((B22*($K$10*((1+$K$10)^F22))/(((1+$K$10)^F22)-1))-(B22*$K$10),2)","v":12122.48},13239.09]
["2026-12-15",{"$f":"round_to_even((B22-G22),2)","v":88700.96},0.14130000000000001,30,{"$f":"round_to_even(B23*((1+$J$10)^(D23/360)-1),2)","v":982.35},7,{"$f":"round_to_even((B23*($K$10*((1+$K$10)^F23))/(((1+$K$10)^F23)-1))-(B23*$K$10),2)","v":12256.74},13239.09]
["continua..."]
[]
[]
["FÓRMULAS DE CÁLCULO"]
[]
["(1) Juros Compensatórios"]
[]
["arredondamento em 15 casas decimais"]
[]
["= (Principal x Fator de Atualização)"]
[]
["arredondamento bancário em 2 casas decimais"]
[]
["Fator de Atualização"]
["= (1 + Taxa % a.a.)Dias360/360-1"]
[]
[]
["(2) Amortização (com arredondamento bancário em 2 casas decimais)"]
[]
["= Principal x (TaxaNominalMensal x ((1 + TaxaNominalMensal)ParcelasRestantes)) / (((1 + TaxaNominalMensal)ParcelasRestantes) -1)) - (Principal  x TaxaNominalMensal)"]
[]
[]
["(3) Taxa Flat (com arredondamento bancário em 2 casas decimais)"]
[]
["= Liberação x 0,024246%"]
["ou, quando aplicável,"]
["= (Liberação - Devolução de Liberação) x 0,024246%"]
[]
[]
["(4) Remuneração "]
["arredondamento em 15 casas decimais"]
[]
["= (Base de Cálculo x Fator de Remuneração) - Base de Cálculo "]
[]
["arredondamento bancário em 2 casas decimais"]
[]
["Fator de Remuneração"]
["= Produtório dos Fatores Diários SELIC apurados desde a data inicial (inclusive)  "]
["até o dia do efetivo pagamento (exclusive)"]
["Fator Diário Selic "]
["= (1+ Selic % a.a.)1/252 "]
[]
["arredondamento em 8 casas decimais"]

{"sheet":"Taxa Flat 2","index":3,"n_rows":23,"n_cols":7,"rows_kept":23,"cut":false,"hidden":false,"merged":[[2,0,2,7]]}
["% TAXA FLAT",2.4246000000000001E-4]
[]
["A atualização da Taxa Flat é calculada pelo Fator SELIC, desde o dia da Liberação (inclusive) até o dia do efetivo pagamento (exclusive)."]
[]
["DATA DE VENCIMENTO","DATA DE PAGAMENTO","EVENTO","VALOR",null,"Data","Fator Diário SELIC *"]
[{"$f":"'Cenário 2'!A10","v":"2026-05-20"},{"$f":"A6","v":"2026-05-20"},"LIBERACAO",{"$f":"'Cenário 2'!B10","v":148000},null,"2026-05-20",1.000534]
["2026-06-15",{"$f":"A7","v":"2026-06-15"},"TAXA FLAT",{"$f":"round_to_even(D6*$B$1,2)","v":35.880000000000003},null,"2026-05-21",1.000534]
[{"$f":"A7","v":"2026-06-15"},{"$f":"B7","v":"2026-06-15"},"REMUNERAÇÃO",{"$f":"round_to_even(D7*ROUND(PRODUCT(G6:G22),15),2)-D7","v":0.32999999999999829},null,"2026-05-22",1.000534]
[null,null,null,null,null,"2026-05-25",1.000534]
[null,null,null,null,null,"2026-05-26",1.000534]
[null,null,null,null,null,"2026-05-27",1.000534]
[null,null,null,null,null,"2026-05-28",1.000534]
[null,null,null,null,null,"2026-05-29",1.000534]
[null,null,null,null,null,"2026-06-01",1.000534]
[null,null,null,null,null,"2026-06-02",1.000534]
[null,null,null,null,null,"2026-06-03",1.000534]
[null,null,null,null,null,"2026-06-05",1.000534]
[null,null,null,null,null,"2026-06-08",1.000534]
[null,null,null,null,null,"2026-06-09",1.000534]
[null,null,null,null,null,"2026-06-10",1.000534]
[null,null,null,null,null,"2026-06-11",1.000534]
[null,null,null,null,null,"2026-06-12",1.000534]
["*","https://www.bcb.gov.br/estabilidadefinanceira/selicdadosdiarios"]

{"sheet":"Cenário 3","index":4,"n_rows":71,"n_cols":12,"rows_kept":71,"cut":false,"hidden":false,"merged":[[13,4,16,4],[13,5,16,5],[13,6,16,6],[4,0,4,11],[7,10,8,10],[7,11,8,11],[12,9,12,11],[13,9,16,9],[13,10,16,10],[13,11,16,11],[12,8,16,8],[7,0,7,1],[12,0,16,0],[12,1,16,1],[12,2,12,4],[12,5,12,6],[12,7,16,7],[13,2,16,2],[13,3,16,3]]}
[]
[]
[]
[]
["MODELO - Deve ser adaptado utilizando os valores, taxas e prazos do contrato"]
[]
[]
["Liberação em:",null,null,null,null,null,null,null,null,null,"Taxa efetiva\nanual","Taxa nominal\nmensal"]
["Data","Valor (R$)"]
["2025-12-15",130000,null,null,null,null,null,null,null,null,0.14330000000000001,{"$f":"(((1+K10)^(1/12))-1)","v":1.1222405460575846E-2}]
[]
["Valores em R$"]
["Data de Vencimento","Principal \nAtualizado","Juros Compensatórios",null,null,"Amortização",null,"Prestação","Liquidação","Outros Eventos"]
[null,null,"Taxa % a.a.","Dias ","Valor","nº de parcelas\nrestantes","Valor",null,null,"Taxa Flat\n(3)","Remuneração\n(4)","Total \nOutros Eventos"]
[]
[]
[]
["2026-01-15",{"$f":"B10","v":130000},{"$f":"K10","v":0.14330000000000001},{"$f":"DAYS360(A10,A18,TRUE)","v":30},{"$f":"round_to_even(B18*((1+$K$10)^(D18/360)-1),2)","v":1458.91},12,{"$f":"round_to_even((B18*($L$10*((1+$L$10)^F18))/(((1+$L$10)^F18)-1))-(B18*$L$10),2)","v":10180.83},{"$f":"G18+E18","v":11639.74},null,{"$f":"'Taxa Flat 3'!D7","v":31.52},{"$f":"'Taxa Flat 3'!D8","v":0.37000000000000099},{"$f":"J18+K18","v":31.89}]
["2026-02-15",{"$f":"round_to_even((B18-G18),2)-I18","v":119819.17},{"$f":"C18","v":0.14330000000000001},{"$f":"DAYS360(A18,A19,TRUE)","v":30},{"$f":"round_to_even(B19*((1+$K$10)^(D19/360)-1),2)","v":1344.66},{"$f":"F18-1","v":11},{"$f":"round_to_even((B19*($L$10*((1+$L$10)^F19))/(((1+$L$10)^F19)-1))-(B19*$L$10),2)","v":10295.08},11639.74]
["2026-03-15",{"$f":"round_to_even((B19-G19),2)-I19","v":109524.09},{"$f":"C19","v":0.14330000000000001},30,{"$f":"round_to_even(B20*((1+$K$10)^(D20/360)-1),2)","v":1229.1199999999999},10,{"$f":"round_to_even((B20*($L$10*((1+$L$10)^F20))/(((1+$L$10)^F20)-1))-(B20*$L$10),2)","v":10410.620000000001},11639.740000000002]
["2026-04-15",{"$f":"round_to_even((B20-G20),2)-I20","v":99113.47},{"$f":"C20","v":0.14330000000000001},30,{"$f":"round_to_even(B21*((1+$K$10)^(D21/360)-1),2)","v":1112.29},9,{"$f":"round_to_even((B21*($L$10*((1+$L$10)^F21))/(((1+$L$10)^F21)-1))-(B21*$L$10),2)","v":10527.45},11639.740000000002]
["2026-05-15",{"$f":"round_to_even((B21-G21),2)-I21","v":88586.02},0.14330000000000001,30,{"$f":"round_to_even(B22*((1+$K$10)^(D22/360)-1),2)","v":994.15},8,{"$f":"round_to_even((B22*($L$10*((1+$L$10)^F22))/(((1+$L$10)^F22)-1))-(B22*$L$10),2)","v":10645.59},11639.74,40000]
["2026-06-15",{"$f":"round_to_even((B22-G22),2)-I22","v":37940.429999999993},0.14330000000000001,30,{"$f":"round_to_even(B23*((1+$K$10)^(D23/360)-1),2)","v":425.78},7,{"$f":"round_to_even((B23*($L$10*((1+$L$10)^F23))/(((1+$L$10)^F23)-1))-(B23*$L$10),2)","v":5240.3},5666.08]
["2026-07-15",{"$f":"round_to_even((B23-G23),2)-I23","v":32700.13},0.14330000000000001,30,{"$f":"round_to_even(B24*((1+$K$10)^(D24/360)-1),2)","v":366.97},6,{"$f":"round_to_even((B24*($L$10*((1+$L$10)^F24))/(((1+$L$10)^F24)-1))-(B24*$L$10),2)","v":5299.11},5666.08]
["2026-08-15",{"$f":"round_to_even((B24-G24),2)-I24","v":27401.02},0.14330000000000001,30,{"$f":"round_to_even(B25*((1+$K$10)^(D25/360)-1),2)","v":307.51},5,{"$f":"round_to_even((B25*($L$10*((1+$L$10)^F25))/(((1+$L$10)^F25)-1))-(B25*$L$10),2)","v":5358.57},5666.08]
["2026-09-15",{"$f":"round_to_even((B25-G25),2)-I25","v":22042.45},0.14330000000000001,30,{"$f":"round_to_even(B26*((1+$K$10)^(D26/360)-1),2)","v":247.37},4,{"$f":"round_to_even((B26*($L$10*((1+$L$10)^F26))/(((1+$L$10)^F26)-1))-(B26*$L$10),2)","v":5418.71},5666.08]
["2026-10-15",{"$f":"round_to_even((B26-G26),2)-I26","v":16623.740000000002},0.14330000000000001,30,{"$f":"round_to_even(B27*((1+$K$10)^(D27/360)-1),2)","v":186.56},3,{"$f":"round_to_even((B27*($L$10*((1+$L$10)^F27))/(((1+$L$10)^F27)-1))-(B27*$L$10),2)","v":5479.52},5666.0800000000008]
["2026-11-15",{"$f":"round_to_even((B27-G27),2)-I27","v":11144.22},0.14330000000000001,30,{"$f":"round_to_even(B28*((1+$K$10)^(D28/360)-1),2)","v":125.06},2,{"$f":"round_to_even((B28*($L$10*((1+$L$10)^F28))/(((1+$L$10)^F28)-1))-(B28*$L$10),2)","v":5541.02},5666.0800000000008]
["continua..."]
[]
[]
["FÓRMULAS DE CÁLCULO"]
[]
["(1) Juros Compensatórios"]
[]
["arredondamento em 15 casas decimais"]
[]
["= (Principal x Fator de Atualização)"]
[]
["arredondamento bancário em 2 casas decimais"]
[]
["Fator de Atualização"]
["= (1 + Taxa % a.a.)Dias360/360-1"]
[]
[]
["(2) Amortização (com arredondamento bancário em 2 casas decimais)"]
[]
["= Principal x (TaxaNominalMensal x ((1 + TaxaNominalMensal)ParcelasRestantes)) / (((1 + TaxaNominalMensal)ParcelasRestantes) -1)) - (Principal  x TaxaNominalMensal)"]
[]
[]
["(3) Taxa Flat (com arredondamento bancário em 2 casas decimais)"]
[]
["= Liberação x 0,024246%"]
["ou, quando aplicável,"]
["= (Liberação - Devolução de Liberação) x 0,024246%"]
[]
[]
["(4) Remuneração "]
["arredondamento em 15 casas decimais"]
[]
["= (Base de Cálculo x Fator de Remuneração) - Base de Cálculo "]
[]
["arredondamento bancário em 2 casas decimais"]
[]
["Fator de Remuneração"]
["= Produtório dos Fatores Diários SELIC apurados desde a data inicial (inclusive)  "]
["até o dia do efetivo pagamento (exclusive)"]
["Fator Diário Selic "]
["= (1+ Selic % a.a.)1/252 "]
[]
["arredondamento em 8 casas decimais"]

{"sheet":"Taxa Flat 3","index":5,"n_rows":27,"n_cols":7,"rows_kept":27,"cut":false,"hidden":false,"merged":[[2,0,2,7]]}
["% TAXA FLAT",2.4246000000000001E-4]
[]
["A atualização da Taxa Flat é calculada pelo Fator SELIC, desde o dia da Liberação (inclusive) até o dia do efetivo pagamento (exclusive)."]
[]
["DATA DE VENCIMENTO","DATA DE PAGAMENTO","EVENTO","VALOR",null,"Data","Fator Diário SELIC *"]
[{"$f":"'Cenário 3'!A10","v":"2025-12-15"},{"$f":"A6","v":"2025-12-15"},"LIBERACAO",{"$f":"'Cenário 3'!B10","v":130000},null,"2025-12-15",1.0005513100000001]
[{"$f":"'Cenário 3'!A18","v":"2026-01-15"},{"$f":"A7","v":"2026-01-15"},"TAXA FLAT",{"$f":"round_to_even(D6*$B$1,2)","v":31.52},null,"2025-12-16",1.0005513100000001]
[{"$f":"A7","v":"2026-01-15"},{"$f":"B7","v":"2026-01-15"},"REMUNERAÇÃO",{"$f":"round_to_even(D7*ROUND(PRODUCT(G6:G26),15),2)-D7","v":0.37000000000000099},null,"2025-12-17",1.0005513100000001]
[null,null,null,null,null,"2025-12-18",1.0005513100000001]
[null,null,null,null,null,"2025-12-19",1.0005513100000001]
[null,null,null,null,null,"2025-12-22",1.0005513100000001]
[null,null,null,null,null,"2025-12-23",1.0005513100000001]
[null,null,null,null,null,"2025-12-24",1.0005513100000001]
[null,null,null,null,null,"2025-12-26",1.0005513100000001]
[null,null,null,null,null,"2025-12-29",1.0005513100000001]
[null,null,null,null,null,"2025-12-30",1.0005513100000001]
[null,null,null,null,null,"2025-12-31",1.0005513100000001]
[null,null,null,null,null,"2026-01-02",1.0005513100000001]
[null,null,null,null,null,"2026-01-05",1.0005513100000001]
[null,null,null,null,null,"2026-01-06",1.0005513100000001]
[null,null,null,null,null,"2026-01-07",1.0005513100000001]
[null,null,null,null,null,"2026-01-08",1.0005513100000001]
[null,null,null,null,null,"2026-01-09",1.0005513100000001]
[null,null,null,null,null,"2026-01-12",1.0005513100000001]
[null,null,null,null,null,"2026-01-13",1.0005513100000001]
[null,null,null,null,null,"2026-01-14",1.0005513100000001]
["*","https://www.bcb.gov.br/estabilidadefinanceira/selicdadosdiarios"]