Desconto comercial composto

213
1102

QUESTÃO CERTA: Se um título com valor nominal de R$ 120.000 for descontado dois meses antes da data de vencimento, à taxa de juros compostos de 6% ao mês, essa operação resultará em um valor atual superior a R$ 106.000.

Ex.

Valor Nominal (valor do título no vencimento) = 120.000

Desconto de 6% para cada mês em que o título será antecipado (6% x 2 = 12% < = > NÃO DÁ CERTO O CÁLCULO !!!!!! Dessa maneira SEMPRE FAÇA O DESCONTO MÊS A MÊS)

I) 1º MÊS de Antecipação do Título teria o valor de (120.000 x 6% = 7.200 => 120.000 – 7.200) = 112.800

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II) 2º MÊS de Antecipação do Título (mês de referência) 112.800 x 6% = 6.768 = 106.032

Portanto, o Título sendo descontado por 2 meses de antecipação do Vencimento obterá valor final de $ 106.032sendo maior que os $ 106.000 dito na questão.

Resposta: CORRETA.

Outra solução:

Desconto Comercial Composto:

Palavra chave da questão: título

Formula:

 A = N * (1 – i)^t

A = 120.000 * (1 – 0,06) ²

A = 120.000 * (0,094) ²

A = 120.000 * 0,8836

A = 106.032

 Logo, 106.032 > 106.000

 

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