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{"sheet":"Simulador","index":0,"n_rows":39,"n_cols":12,"rows_kept":39,"cut":false,"hidden":false,"merged":[[0,0,2,11]]}
["SIMULADOR   |   Empréstimo  Saque Aniversário FGTS"]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,"PCE 3.5.3"]
[]
[]
[null,null,"Método de Simulação","Saldo FGTS",2,null,{"$f":"IF(D7=\"Valor Financiado\",\"Saldo Mínimo FGTS\",\"Liberado Cliente\")","v":"Liberado Cliente"},null,{"$f":"IFERROR(IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$5),\"\")","v":6226.29228489036}]
[]
[null,null,"Data de Nascimento","1991-10-01",null,null,"Seguro",null,{"$f":"IF(I7=\"\",\"\",Calculo!D13)","v":0}]
[]
[null,null,"Saldo FGTS",10000,null,null,{"$f":"IF(G7=\"Saldo Mínimo FGTS\",\"\",\"IOF\")","v":"IOF"},null,{"$f":"IF(G11=\"\",\"\",IF(I7=\"\",\"\",IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$6)))","v":180.01478544853168},null,null," "]
[]
[null,null,"Valor Financiado",null,null,null,"Prazo (anos)",null,{"$f":"IF(I7=\"\",\"\",D15)","v":10}]
[]
[null,null,"Prazo (anos)",10,null,null,"Valor total FGTS Reservado",null,{"$f":"IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$8)","v":9939.9753499999988}]
[]
[null,null,"Taxa de juros a.m.",1.5900000000000001E-2,null,null,"Saldo FGTS Restante",null,{"$f":"IF(AND(D11=\"\",D13=\"\"),\"\",Calculo!$H$9)","v":60.024650000001202}]
[]
[null,null,"Tarifa de Cadastro","Sim",null,null,"Observação:",{"$f":"IF(AND(D11=\"\",D13=\"\"),\"Preencher Dados da Simulação\",IF(AND(D13<>\"\",I7=\"\"),\"Clicar no botão Calcular\",Calculo!$H$24))","v":""}]
[]
[null,null,"Seguro ","Não"]
[]
[]
[]
[null,null,"Faixa de Saldo","Alíquota"," Parcela Adicional"]
[null,null,0,0.5,0]
[null,null,500,0.4,50]
[null,null,1000,0.3,150]
[null,null,5000,0.2,650]
[null,null,10000,0.15,1150]
[null,null,15000,0.1,1900]
[null,null,20000,0.05,2900]
[]
[]
[]
[]
[]
[]
[null,null,"*Valores apresentados são estimados, para obter a condição oficial é necessário realizar o cadastro da proposta pelo sistema"]

{"sheet":"Calculo","index":1,"n_rows":51,"n_cols":41,"rows_kept":51,"cut":false,"hidden":true,"merged":[[1,38,1,40],[23,34,23,37]]}
[null,null,"Resumo",null,null,null,null,null,null,null,null,null,"Cálculo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabela FGTS",null,null,null,null,"Configurações"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tabela FGTS","Alíquota","Parcela Adicional",null,null,null,null,null,null,null,null,"Calculo seguro "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0.5,0,null,null,"Feriados",null,"Lista Supensa",null,null,null,"Valor minimo ","Maximo ","Valor seguro"]
[null,"Entrada","Resumo","Replay",null,null,"Resumo",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,500.01,0.4,50,null,null,null,null,"Saldo FGTS","Saldo FGTS",null,null,0,500,27]
[null,{"$f":"IF(Simulador!D7=\"Saldo FGTS\",AI4,AI5)","v":"Saldo FGTS"},"Metodo de Simulação",{"$f":"B5","v":"Saldo FGTS"},null,null,{"$f":"IF(D5=\"Saldo FGTS\",\"Liberado Cliente\",\"Saldo FGTS\")","v":"Liberado Cliente"},{"$f":"IF(D5=\"Saldo FGTS\",U9,IF(AA31=1000000,\"\",P25))","v":6226.29228489036},{"$f":"H5/$H$8","v":0.62638910718127294},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000.01,0.3,150,null,null,null,null,"Valor Financiado","Valor Financiado",null,null,500.01,900,40]
[null,{"$f":"Simulador!D9","v":"1991-10-01"},"Data Nascimento",{"$f":"B6","v":"1991-10-01"},null,null,"IOF",{"$f":"IF(D5=\"Saldo FGTS\",S9,IF(AA31=1000000,\"\",P25))","v":180.01478544853168},{"$f":"H6/$H$8","v":1.8110184292210715E-2},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000.01,0.2,650,null,null,null,null,null,null,null,null,900.01,1500,75]
[null,{"$f":"Simulador!D11","v":10000},"Saldo FGTS",{"$f":"B7","v":10000},null,null,"taxa",{"$f":"D10","v":1.5900000000000001E-2},null,null,null,null,"Simulação por Saldo FGTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,10000.01,0.15,1150,null,null,null,null,"Troco mínimo",200,null,null,1500.01,100000,130]
[null,{"$f":"Simulador!D13","v":0},"Valor Financiado",{"$f":"B8+D12","v":60},null,null,"Valor total pago",{"$f":"IF(D5=\"Saldo FGTS\",N9,IF(AA31=1000000,\"\",N25))","v":9939.9753499999988},{"$f":"H8/$H$8","v":1},null,null,null,null,null,null,"Saldo FGTS",null,"VP","IOF","Tarifa","Lib. Cliente","Seguro","Meta Encontrar Saldo",null,null,null,null,15000.01,0.1,1900]
[null,{"$f":"Simulador!D15","v":10},"Prazo (anos)",10,null,null,"Saldo FGTS Restante",{"$f":"IF(G5=\"Saldo FGTS\",IF(AA31=1000000,\"\",H5-H8),D7-H8)","v":60.024650000001202},{"$f":"H9/$H$8","v":6.0387121583758462E-3},null,null,null,"Data de Vencimento",{"$f":"SUM(N11:N20)","v":9939.9753499999988},null,{"$f":"D7","v":10000},null,{"$f":"SUM(R11:R20)","v":6466.3070703388912},{"$f":"SUM(S11:S20)+R9*$AA$14","v":180.01478544853168},{"$f":"D12","v":60},{"$f":"R9-S9-T9-V9","v":6226.29228489036},{"$f":"D13","v":0},{"$f":"SUM(N11:N15)-SUM(W11:W15)","v":1393.9400000000005},null,null,"CET",{"$f":"IFERROR(XIRR(N10:N20,M10:M20),1000000)","v":0.21158350110054019},20000.009999999998,0.05,2900,null,null,null,null,1.7899999999999999E-2,1,null,null,null,null,{"$f":"R9-S9-T9","v":6226.29228489036}]
[null,{"$f":"Simulador!D17","v":1.5900000000000001E-2},"Taxa de juros a.m.",1.5900000000000001E-2,null,null,"Juros",{"$f":"IF(G5=\"Saldo FGTS\",IF(AA31=1000000,\"\",H8-D8),H8-H5)","v":3713.6830651096388},{"$f":"H10/$H$8","v":0.37361089281872711},null,null,{"$f":"D9","v":10},{"$f":"D30","v":"2024-04-11"},{"$f":"-SUM(R11:R20)","v":-6466.3070703388912},null,null,null,null,null,null,null,null,null,null,null,"Taxa Ano",{"$f":"(1+AA9)^(360/365)-1","v":0.20840224631324444},null,null,null,null,null,null,null,1.7399999999999999E-2,2]
[null,null,"1ºvcto",{"$f":"D22","v":"2024-10-01"},null,null,null,null,null,null,null,{"$f":"L10-1","v":9},{"$f":"D22","v":"2024-10-01"},{"$f":"IF(M11=\"\",0,$P$9*O11+VLOOKUP(O11,$AC$3:$AD$9,2,0))","v":2650},{"$f":"IF(P9>=$AB$9,$AC$9,IF(AND(P9<$AB$9,P9>=$AB$8),$AC$8,IF(AND(P9<$AB$8,P9>=$AB$7),$AC$7,IF(AND(P9<$AB$7,P9>=$AB$6),$AC$6,IF(AND(P9<$AB$6,P9>=$AB$5),$AC$5,IF(AND(P9<$AB$5,P9>=$AB$4),$AC$4,IF(AND(P9<$AB$4,P9>=$AB$3),$AC$3)))))))","v":0.2},{"$f":"P9-N11","v":7350},{"$f":"IF(M11=\"\",\"\",M11-$M$10)","v":173},{"$f":"IF(M11=\"\",\"\",N11/(1+$D$10)^(Q11/30))","v":2419.5726647611232},{"$f":"IF(M11=\"\",\"\",IF(Q11>$AA$15,$AA$15,Q11)*$AA$13*R11)","v":34.324057822301292},null,null,null,2289.9899999999998,null,null,"Taxa mês conf.",{"$f":"(1+AA10)^(1/12)-1","v":1.5900000005045767E-2},null,null,null,null,null,null,null,1.6899999999999998E-2,3]
[1.9900000000000001E-2,{"$f":"Simulador!D19","v":"Sim"},"Tarifa de Cadastro",{"$f":"IF(B12=\"Sim\",60,0)","v":60},null,null,"Fluxo de Vencimento",null,null,null,null,{"$f":"L11-1","v":8},{"$f":"IF(L12<0,\"\",EDATE(M11,12))","v":"2025-10-01"},{"$f":"IF(M12=\"\",0,P11*O12+VLOOKUP(O12,$AC$3:$AD$9,2,0))","v":2120},{"$f":"IF(P11>=$AB$9,$AC$9,IF(AND(P11<$AB$9,P11>=$AB$8),$AC$8,IF(AND(P11<$AB$8,P11>=$AB$7),$AC$7,IF(AND(P11<$AB$7,P11>=$AB$6),$AC$6,IF(AND(P11<$AB$6,P11>=$AB$5),$AC$5,IF(AND(P11<$AB$5,P11>=$AB$4),$AC$4,IF(AND(P11<$AB$4,P11>=$AB$3),$AC$3)))))))","v":0.2},{"$f":"P11-N12","v":5230},538,1597.6266845558866,47.816966668757686,null,null,null,1831.91,null,null,null,null,null,null,null,null,null,null,null,1.6400000000000001E-2,4]
[1.6E-2,{"$f":"Simulador!D21","v":"Não"},"Seguro",{"$f":"IF(B13=\"Sim\",E13,0)","v":0},{"$f":"IF(Simulador!D7=\"valor financiado\",VLOOKUP((Calculo!R25-Calculo!S25-Calculo!U25),Calculo!$AM$4:$AO$7,3),VLOOKUP((Calculo!R9-Calculo!S9-Calculo!T9),Calculo!$AM$4:$AO$7,3))","v":130},null,1,{"$f":"M11","v":"2024-10-01"},{"$f":"IF($D$5=\"Saldo FGTS\",N11,N27)","v":2650},null,null,7,"2026-10-01",1696,0.2,3534,903,1054.9015784392761,31.573204242687538,null,null,null,1373.29,null,null,"Alíquota Diária",8.2000000000000001E-5,null,null,null,null,null,null,null,1.5900000000000001E-2,5]
[null,null,"Regra de vencimento",null,null,null,2,"2025-10-01",{"$f":"IF($D$5=\"Saldo FGTS\",N12,N28)","v":2120},null,null,6,"2027-10-01",1210.2,0.3,2323.8000000000002,1268,621.28360359736303,18.595018255669075,null,null,null,961.3,null,null,"Alíquota Add",3.8E-3,null,null,null,null,null,null,null,null,6]
[null,null,"Parâmetro Dias",10,null,null,3,"2026-10-01",{"$f":"IF($D$5=\"Saldo FGTS\",N13,N29)","v":1696},null,null,5,"2028-10-01",847.14,0.3,1476.6600000000003,1634,358.76181814633782,10.737741217119892,null,null,null,672.91,null,null,"prazo",365,null,null,null,null,null,null,null,null,7]
[null,null,"hoje",{"$f":"TODAY()","v":"2024-04-11"},null,null,4,"2027-10-01",{"$f":"IF($D$5=\"Saldo FGTS\",N14,N30)","v":1210.2},null,null,4,"2029-10-01",592.99800000000005,0.3,883.66200000000026,1999,207.27690042782504,6.2037976298048036,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8]
[null,null,"Valida Data",{"$f":"IF(OR(WEEKDAY(D16)=1,WEEKDAY(D16)=7,AG:AG=D16), \"Não é dia Útil\",\"É dia Útil\")","v":"É dia Útil"},null,null,5,"2028-10-01",847.14,null,null,3,"2030-10-01",403.46480000000014,0.4,480.19720000000012,2364,{"$f":"IF(M17=\"\",\"\",N17/(1+$D$10)^(Q17/30))","v":116.39919517101345},3.4838279114684325,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,9]
[null,null,"Hoje Ajustado",{"$f":"IF(D17=\"É dia Útil\",D16,WORKDAY(D16,1,))","v":"2024-04-11"},null,null,6,"2029-10-01",592.99800000000005,null,null,2,"2031-10-01",240.09860000000006,{"$f":"IF(P17>=$AB$9,$AC$9,IF(AND(P17<$AB$9,P17>=$AB$8),$AC$8,IF(AND(P17<$AB$8,P17>=$AB$7),$AC$7,IF(AND(P17<$AB$7,P17>=$AB$6),$AC$6,IF(AND(P17<$AB$6,P17>=$AB$5),$AC$5,IF(AND(P17<$AB$5,P17>=$AB$4),$AC$4,IF(AND(P17<$AB$4,P17>=$AB$3),$AC$3)))))))","v":0.5},240.09860000000006,2729,{"$f":"IF(M18=\"\",\"\",N18/(1+$D$10)^(Q18/30))","v":57.171633837310715},1.7111470007507097,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10]
[null,null,"data nascimento",{"$f":"D6","v":"1991-10-01"},null,null,7,"2030-10-01",403.46480000000014,null,null,1,"2032-10-01",120.04930000000003,0.5,120.04930000000003,3095,{"$f":"IF(M19=\"\",\"\",N19/(1+$D$10)^(Q19/30))","v":23.581362363692651},0.70579017554532109]
[null,null,"data corte",{"$f":"DATE(YEAR(D16),MONTH(D19),1)-D15","v":"2024-09-21"},null,null,8,{"$f":"M18","v":"2031-10-01"},240.09860000000006,null,null,0,"2033-10-01",60.024650000000015,0.5,60.024650000000015,3460,{"$f":"IF(M20=\"\",\"\",N20/(1+$D$10)^(Q20/30))","v":9.731629039062339},0.29126765713913583]
[null,null,"AjusteVcto",{"$f":"IF(D16<D20,\"este ano\",\"proximo ano\")","v":"este ano"},null,null,9,{"$f":"M19","v":"2032-10-01"},120.04930000000003]
[null,null,"1ºvcto",{"$f":"IF(D21=\"este ano\",DATE(YEAR(D16),MONTH(D19),1),DATE(YEAR(D16)+1,MONTH(D19),1))","v":"2024-10-01"},null,null,10,{"$f":"M20","v":"2033-10-01"},{"$f":"IF($D$5=\"Saldo FGTS\",N20,N36)","v":60.024650000000015}]
[null,null,null,null,null,null,"Observação",null,null,null,null,null,"Simulação por Valor Financiado (Precisa de Meta Taxa)"]
[null,null,"Data Simulação",null,null,null,"Consolidado",{"$f":"IF(H25<>\"\",H25,\"\")","v":""},null,null,null,null,null,null,null,null,null,"Financiado","IOF","Lib. Cliente","TC","Seguro",null,null,null,null,null,null,null,null,null,null,null,null,"Seguro Valor liberado "]
[null,null,"Inicio da \"Não Contratação\"",{"$f":"D20","v":"2024-09-21"},null,null,"Troco mínimo",{"$f":"IF(OR(AND(G5=\"Saldo FGTS\",D8<$AJ$7),AND(D5=\"Saldo FGTS\",H5<$AJ$7)),\"Fora do valor mínimo permitido\",\"\")","v":""},null,null,null,null,null,{"$f":"SUM(N27:N36)","v":118649.84140147839},null,237690.91452443681,null,{"$f":"SUM(R27:R36)","v":57020.027777305317},{"$f":"SUM(S27:S36)+R25*$AA$14","v":1710.7576807662383},{"$f":"R25-S25-U25-V25","v":55249.270096539076},{"$f":"D12","v":60},{"$f":"AK26","v":0},null,null,null,"CET",{"$f":"XIRR(N26:N36,M26:M36)","v":0.21158350110054019},null,null,null,null,null,null,null,"Seguro?","VALOR","XX","TOTAL"]
[null,null,"Fim da \"Não Contratação\"",{"$f":"DATE(YEAR(D25),MONTH(EDATE(D25,1)),1)","v":"2024-10-01"},null,null,null,null,null,null,null,{"$f":"L10","v":10},{"$f":"M10","v":"2024-04-11"},{"$f":"-SUM(R27:R36)","v":-57020.027777305317},null,null,null,null,null,null,null,null,null,null,null,"Taxa Ano",{"$f":"(1+AA25)^(360/365)-1","v":0.20840224631324444},null,null,null,null,null,null,null,{"$f":"Simulador!D21","v":"Não"},"Seguro",{"$f":"IF(AI26=\"Sim\",AL26,0)","v":0},{"$f":"IF(AJ27<=500,27,IF(AND(AJ27>500.01,AJ27<=900),40,IF(AND(AJ27>901.01,AJ27<=1500),75,IF(AJ27>1500.01,\"130\"))))","v":"130"}]
[null,null,"Permite Contratação",{"$f":"IF(AND(D18>=D25,D18<=D26),\"Não\",\"Sim\")","v":"Sim"},null,null,null,null,null,null,null,{"$f":"L26-1","v":9},{"$f":"M11","v":"2024-10-01"},{"$f":"IF(M27=\"01/01/1900\",0,P25*O27+VLOOKUP(O27,$AC$3:$AD$9,2,0))","v":14784.545726221841},{"$f":"IF(P25>=$AB$9,$AC$9,IF(AND(P25<$AB$9,P25>=$AB$8),$AC$8,IF(AND(P25<$AB$8,P25>=$AB$7),$AC$7,IF(AND(P25<$AB$7,P25>=$AB$6),$AC$6,IF(AND(P25<$AB$6,P25>=$AB$5),$AC$5,IF(AND(P25<$AB$5,P25>=$AB$4),$AC$4,IF(AND(P25<$AB$4,P25>=$AB$3),$AC$3)))))))","v":0.05},{"$f":"IF(M27=\"01/01/1900\",0,P25-N27)","v":222906.36879821497},{"$f":"IF(M27=\"01/01/1900\",\"\",M27-$M$26)","v":173},{"$f":"IF(M27=\"01/01/1900\",\"\",N27/(1+$D$10)^(Q27/30))","v":13498.974603802737},{"$f":"IF(M27=\"01/01/1900\",\"\",IF(Q27>$AA$15,$AA$15,Q27)*$AA$13*R27)","v":191.49645372954564},null,null,null,null,null,null,"Taxa mês conf.",{"$f":"(1+AA26)^(1/12)-1","v":1.5900000005045767E-2},null,null,null,null,null,null,null,null,{"$f":"R25-S25-U25","v":55249.270096539076}]
[null,null,"Data da Simulação",{"$f":"WORKDAY(D26,1,)","v":"2024-10-02"},null,null,null,null,null,null,null,8,{"$f":"IF(L28<0,\"01/01/1900\",EDATE(M27,12))","v":"2025-10-01"},{"$f":"IF(M28=\"01/01/1900\",0,P27*O28+VLOOKUP(O28,$AC$3:$AD$9,2,0))","v":14045.318439910749},{"$f":"IF(P27>=$AB$9,$AC$9,IF(AND(P27<$AB$9,P27>=$AB$8),$AC$8,IF(AND(P27<$AB$8,P27>=$AB$7),$AC$7,IF(AND(P27<$AB$7,P27>=$AB$6),$AC$6,IF(AND(P27<$AB$6,P27>=$AB$5),$AC$5,IF(AND(P27<$AB$5,P27>=$AB$4),$AC$4,IF(AND(P27<$AB$4,P27>=$AB$3),$AC$3)))))))","v":0.05},{"$f":"IF(M28=\"01/01/1900\",0,P27-N28)","v":208861.05035830423},538,10584.51676070107,316.79458664778304]
[null,null,"Validação Data",{"$f":"IF(OR(WEEKDAY(D28)=1,WEEKDAY(D28)=7,AG:AG=D28), \"Não é dia Útil\",\"É dia Útil\")","v":"É dia Útil"},null,null,null,null,null,null,null,7,"2026-10-01",13343.052517915212,0.05,{"$f":"IF(M29=\"01/01/1900\",0,P28-N29)","v":195517.99784038903},903,8299.2966759120955,248.39794951004905,null,null,null,null,null,null,"Meta",{"$f":"T25-D8","v":55189.270096539076}]
[null,null,"Data Final Simulação",{"$f":"IF(D27=\"Não\",D28,D18)","v":"2024-04-11"},null,null,null,null,null,null,null,6,"2027-10-01",12675.899892019452,0.05,{"$f":"IF(M30=\"01/01/1900\",0,P29-N30)","v":182842.09794836957},1268,6507.4605550762426,194.76829441343196,null,null,null,null,null,null,"valida meta",0]
[null,null,null,null,null,null,null,null,null,null,null,5,"2028-10-01",12042.10489741848,0.05,{"$f":"IF(M31=\"01/01/1900\",0,P30-N31)","v":170799.9930509511},1634,5099.8033941341137,152.63711558643402,null,null,null,null,null,null,"teste",{"$f":"IF(OR(T25-D8>1,T25-D8<-1,),1000000,ROUND(T25-D8,2))","v":1000000}]
[null,null,null,null,null,null,null,null,null,null,null,4,"2029-10-01",11439.999652547556,0.05,{"$f":"IF(M32=\"01/01/1900\",0,P31-N32)","v":159359.99339840355},1999,3998.7447999410665,119.68243186223613]
[null,null,null,null,null,null,null,null,null,null,null,3,"2030-10-01",10867.999669920177,0.05,148491.99372848336,2364,3135.4071400963549,93.842735703083903]
[null,null,null,null,null,null,null,null,null,null,null,2,"2031-10-01",10324.599686424168,0.05,138167.3940420592,2729,2458.4659501931928,73.581885889282262]
[null,null,null,null,null,null,null,null,null,null,null,1,"2032-10-01",9808.3697021029602,0.05,128359.02433995623,3095,1926.6644632026507,57.665067383655341]
[null,null,null,null,null,null,null,null,null,null,null,0,"2033-10-01",9317.9512169978116,0.05,119041.07312295842,3460,1510.6934342457996,45.215054486976783]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Calculadora Safra"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M26","v":"2024-04-11"},{"$f":"-SUM(P47:P51)","v":-5502.2818705827458},null,{"$f":"SUM(P47:P51)","v":5502.2818705827458},null,null,null,null,null,null,null,null,null,"CET",{"$f":"IFERROR(XIRR(N46:N51,M46:M51),1000000)","v":0.21158350110054019}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M46+360","v":"2025-04-06"},{"$f":"N11","v":2650},{"$f":"M47-$M$46","v":360},{"$f":"N47/(1+$D$10)^(O47/30)","v":2192.9783797100008},null,null,null,null,null,null,null,null,null,"Taxa Ano",{"$f":"(1+AA46)^(360/365)-1","v":0.20840224631324444}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M47+360","v":"2026-04-01"},{"$f":"N12","v":2120},{"$f":"M48-$M$46","v":720},{"$f":"N48/(1+$D$10)^(O48/30)","v":1451.8201279624154},null,null,null,null,null,null,null,null,null,"Taxa mês conf.",{"$f":"(1+AA47)^(1/12)-1","v":1.5900000005045767E-2}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M48+360","v":"2027-03-27"},{"$f":"N13","v":1696},{"$f":"M49-$M$46","v":1080},{"$f":"N49/(1+$D$10)^(O49/30)","v":961.15023452056869}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M49+360","v":"2028-03-21"},{"$f":"N14","v":1210.2},{"$f":"M50-$M$46","v":1440},{"$f":"N50/(1+$D$10)^(O50/30)","v":567.55904991200703}]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"M50+360","v":"2029-03-16"},{"$f":"N15","v":847.14},{"$f":"M51-$M$46","v":1800},{"$f":"N51/(1+$D$10)^(O51/30)","v":328.77407847775339}]

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[null,"1) vencimento sempre dia 01"]
[null,"2) após data corte vencimento +1 ano"]
[null,"3) no período de \"não contratação\" simular o próximo dia apto (02 do mês aniversário - dia útil?)"]
[null,"4) valor mínimo de liberação e saldo FGTS"]
[null,"5) prazo e taxa fixa"]
[null,"6) CEF não abre de final de semana"]