700*\( 1,045^{31} \) = 2.739,700215
1.000*\( \frac{1,045^{7}-1}{0,045} \) *\( 1,045^{24} \) = 23.063,19148
9.800*\( 1,045^{2+31} \) = 41.885,49579
R*1,045*\( \frac{1,045^{31}-1}{0,045} \) = R*67,66624524
2.739,700215 + 23.063,19148 + 41.885,49579 + R*67,66624524 = 199.000
R = 1.940,58