Uma abordagem sobre os sistemas de amortização sac e price com os alunos do curso subsequente em administração

Abstract

The present work presents a study on the main amortization systems used in Brazil, the SAC and the Price table, and was developed with the students of the first module of the subsequent technical course in Administration of the Federal Institute of Education, Science and Technology of Piauí-IFPI , Campus São Raimundo Nonato, with the purpose of making them aware of the decision-making process, helps them to educate themselves financially when it comes to contracting a real estate loan or a bank loan, and can verify if the interest rates disclosed by financial institutions are actually practiced by them and opt for the best system offered to repay the debt. For this purpose, the content in the classroom was presented, responding to examples using the formulas for calculating interest, Amortization, debit balance and installment value of the Constant Amortization System (SAC) and the French Amortization System (Price table) for better understanding of contents and to facilitate calculations, activities on bank loans and financing, were developed in the computer lab, using Excel Software as a tool to aid and facilitate mathematical calculations in the construction of financial tables.