Matemática financeira: finanças do cotidiano e financiamento imobiliário

Abstract

The present work begins by discussing the guidelines of education regarding teaching of financial mathematics, at different school levels, according to legal parameters established, nationally and regionally. Next, it addresses issues related to the knowledge of financial mathematics, contextualizing it as an instrument of knowledge affection to citizenship and education. It explains about financial education as a national strategy, critically presenting topics on investments and savings; education and work; inflate tion and real estate financing. Continuing, fundamental concepts are presented of financial mathematics, dealing with capital, interest rates and capitalization regimes. For then progress to closely related but more complex subjects such as: fees and their particularities; discounts and their forms; the types of annuities and series of payments, regarding the term of the first installment. Real estate financing is discussed, highlighted, addressing the legislation governing the matter. The amortization systems used are presented. for the settlement of real estate financing in Brazil. From the basic definitions and the exposed concepts, the following systems are presented: Constant Amortization System (SAC); French Amortization System (SFA) and Increasing Amortization System (SACRE). And, finally, a pedagogical proposal is made with the purpose of applying and consolidating concepts and formulas, through the presentation of exercises and suggestion of related activities to real estate financing.