Professional Documents
Culture Documents
1. Cuota fija
Ejm: Se toma un credito por $10.000.000 que se pagarn en cuotas mensuaes a una tasa del 3% EMV por 3 aos. Const
Perodo
1
2
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5
6
7
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9
10
11
12
13
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24
25
26
27
28
29
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31
32
33
34
35
36
37
38
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40
41
42
43
44
Deuda inicial
20,000,000
19,785,097
19,572,503
19,362,193
19,154,143
18,948,329
18,744,726
18,543,311
18,344,060
18,146,950
17,951,958
17,759,061
17,568,237
17,379,463
17,192,718
17,007,980
16,825,226
16,644,436
16,465,589
16,288,664
16,113,639
15,940,496
15,769,212
15,599,770
15,432,148
15,266,327
15,102,288
14,940,011
14,779,478
14,620,670
14,463,569
14,308,155
14,154,412
14,002,320
13,851,863
13,703,023
13,555,781
13,410,122
13,266,028
13,123,483
12,982,469
12,842,970
12,704,970
12,568,453
Intereses
Amortizacin
Deuda inicial * tasa cuota - interes
280,000
$ 214,903.27
276,991
$ 212,594.10
274,015
$ 210,309.74
271,071
$ 208,049.93
268,158
$ 205,814.40
265,277
$ 203,602.89
262,426
$ 201,415.14
259,606
$ 199,250.90
256,817
$ 197,109.92
254,057
$ 194,991.94
251,327
$ 192,896.72
248,627
$ 190,824.01
245,955
$ 188,773.58
243,312
$ 186,745.18
240,698
$ 184,738.57
238,112
$ 182,753.52
235,553
$ 180,789.81
233,022
$ 178,847.19
230,518
$ 176,925.45
228,041
$ 175,024.35
225,591
$ 173,143.69
223,167
$ 171,283.23
220,769
$ 169,442.77
218,397
$ 167,622.08
216,050
$ 165,820.95
213,729
$ 164,039.18
211,432
$ 162,276.55
209,160
$ 160,532.86
206,913
$ 158,807.91
204,689
$ 157,101.49
202,490
$ 155,413.41
200,314
$ 153,743.47
198,162
$ 152,091.47
196,032
$ 150,457.22
193,926
$ 148,840.53
191,842
$ 147,241.22
189,781
$ 145,659.09
187,742
$ 144,093.96
185,724
$ 142,545.64
183,729
$ 141,013.97
181,755
$ 139,498.75
179,802
$ 137,999.81
177,870
$ 136,516.98
175,958
$ 135,050.08
Cuota
funcin pago
$ 494,903.27
$ 489,585.45
$ 484,324.78
$ 479,120.63
$ 473,972.40
$ 468,879.49
$ 463,841.30
$ 458,857.25
$ 453,926.75
$ 449,049.24
$ 444,224.13
$ 439,450.87
$ 434,728.90
$ 430,057.66
$ 425,436.62
$ 420,865.24
$ 416,342.97
$ 411,869.30
$ 407,443.70
$ 403,065.65
$ 398,734.64
$ 394,450.17
$ 390,211.74
$ 386,018.85
$ 381,871.02
$ 377,767.75
$ 373,708.57
$ 369,693.01
$ 365,720.60
$ 361,790.87
$ 357,903.37
$ 354,057.64
$ 350,253.23
$ 346,489.71
$ 342,766.62
$ 339,083.53
$ 335,440.03
$ 331,835.67
$ 328,270.04
$ 324,742.72
$ 321,253.31
$ 317,801.39
$ 314,386.56
$ 311,008.43
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
12,433,403
12,299,804
12,167,641
12,036,897
11,907,559
11,779,610
11,653,037
11,527,823
11,403,954
11,281,417
11,160,196
11,040,278
10,921,649
10,804,294
10,688,200
10,573,353
174,068
172,197
170,347
168,517
166,706
164,915
163,143
161,390
159,655
157,940
156,243
154,564
152,903
151,260
149,635
148,027
$ 133,598.95
$ 132,163.41
$ 130,743.29
$ 129,338.43
$ 127,948.67
$ 126,573.84
$ 125,213.78
$ 123,868.34
$ 122,537.35
$ 121,220.67
$ 119,918.13
$ 118,629.59
$ 117,354.90
$ 116,093.90
$ 114,846.45
$ 113,612.41
$ 307,666.59
$ 304,360.66
$ 301,090.26
$ 297,855.00
$ 294,654.49
$ 291,488.38
$ 288,356.29
$ 285,257.86
$ 282,192.72
$ 279,160.51
$ 276,160.88
$ 273,193.49
$ 270,257.98
$ 267,354.01
$ 264,481.25
$ 261,639.36
$ 251,834.27
$ 206,203.67
#NAME?
#NAME?
1,078,520.34
$ 827,776.95
Ejm: Se toma un credito por $20.000.000 que se pagarn en cuotas mensuaes a una tasa del 30% NMV por 5 aos. Cons
Perodo
Deuda inicial
Intereses
Amortizacin
Cuota
Deuda inicial * tasa cuota - interes
funcin pago
1
20,000,000
500,000.0
147,067.9
$ 647,067.92
2
19,852,932
496,323.3
150,744.6
$ 647,067.92
3
19,702,187
492,554.7
154,513.2
$ 647,067.92
4
19,547,674
488,691.9
158,376.1
$ 647,067.92
5
19,389,298
484,732.5
162,335.5
$ 647,067.92
6
19,226,963
480,674.1
166,393.9
$ 647,067.92
7
19,060,569
476,514.2
170,553.7
$ 647,067.92
8
18,890,015
472,250.4
174,817.5
$ 647,067.92
9
18,715,198
467,879.9
179,188.0
$ 647,067.92
10
18,536,010
463,400.2
183,667.7
$ 647,067.92
11
18,352,342
458,808.5
188,259.4
$ 647,067.92
12
18,164,083
454,102.1
192,965.9
$ 647,067.92
13
17,971,117
449,277.9
197,790.0
$ 647,067.92
14
17,773,327
444,333.2
202,734.7
$ 647,067.92
15
17,570,592
439,264.8
207,803.1
$ 647,067.92
16
17,362,789
434,069.7
212,998.2
$ 647,067.92
17
17,149,791
428,744.8
218,323.2
$ 647,067.92
18
16,931,468
423,286.7
223,781.2
$ 647,067.92
19
16,707,686
417,692.2
229,375.8
$ 647,067.92
20
16,478,311
411,957.8
235,110.2
$ 647,067.92
21
16,243,200
406,080.0
240,987.9
$ 647,067.92
22
16,002,212
400,055.3
247,012.6
$ 647,067.92
23
15,755,200
393,880.0
253,187.9
$ 647,067.92
24
15,502,012
387,550.3
259,517.6
$ 647,067.92
25
15,242,494
381,062.4
266,005.6
$ 647,067.92
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27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
14,976,489
14,703,833
14,424,361
14,137,902
13,844,282
13,543,321
13,234,836
12,918,639
12,594,537
12,262,332
11,921,823
11,572,801
11,215,053
10,848,361
10,472,502
10,087,247
9,692,360
9,287,601
8,872,723
8,447,473
8,011,592
7,564,814
7,106,867
6,637,470
6,156,339
5,663,180
5,157,691
4,639,566
4,108,487
3,564,131
3,006,167
2,434,253
1,848,041
1,247,174
631,286
374,412.2
367,595.8
360,609.0
353,447.6
346,107.0
338,583.0
330,870.9
322,966.0
314,863.4
306,558.3
298,045.6
289,320.0
280,376.3
271,209.0
261,812.6
252,181.2
242,309.0
232,190.0
221,818.1
211,186.8
200,289.8
189,120.4
177,671.7
165,936.8
153,908.5
141,579.5
128,942.3
115,989.1
102,712.2
89,103.3
75,154.2
60,856.3
46,201.0
31,179.4
15,782.1
272,655.7
279,472.1
286,458.9
293,620.4
300,960.9
308,484.9
316,197.0
324,101.9
332,204.5
340,509.6
349,022.3
357,747.9
366,691.6
375,858.9
385,255.4
394,886.7
404,758.9
414,877.9
425,249.8
435,881.1
446,778.1
457,947.6
469,396.3
481,131.2
493,159.4
505,488.4
518,125.6
531,078.8
544,355.7
557,964.6
571,913.8
586,211.6
600,866.9
615,888.6
631,285.8
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
$ 647,067.92
11
12
10,000,000
10,000,000
400,000.00
400,000.00
0
10,000,000
400,000.00
10,400,000.00
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
19,444,444
18,750,000
18,055,556
17,361,111
16,666,667
15,972,222
15,277,778
14,583,333
13,888,889
13,194,444
12,500,000
11,805,556
11,111,111
10,416,667
9,722,222
9,027,778
8,333,333
7,638,889
6,944,444
6,250,000
5,555,556
4,861,111
4,166,667
3,472,222
2,777,778
2,083,333
1,388,889
694,444
194,444.44
187,500.00
180,555.56
173,611.11
166,666.67
159,722.22
152,777.78
145,833.33
138,888.89
131,944.44
125,000.00
118,055.56
111,111.11
104,166.67
97,222.22
90,277.78
83,333.33
76,388.89
69,444.44
62,500.00
55,555.56
48,611.11
41,666.67
34,722.22
27,777.78
20,833.33
13,888.89
6,944.44
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
694,444
888,889
881,944
875,000
868,056
861,111
854,167
847,222
840,278
833,333
826,389
819,444
812,500
805,556
798,611
791,667
784,722
777,778
770,833
763,889
756,944
750,000
743,056
736,111
729,167
722,222
715,278
708,333
701,389
aes a una tasa del 3% EMV por 3 aos. Construya la tabla de amortizacin.
Deuda final
deuda in. - amortizacion
19,785,096.73
19,572,502.63
19,362,192.89
19,154,142.96
18,948,328.57
18,744,725.68
18,543,310.53
18,344,059.63
18,146,949.71
17,951,957.77
17,759,061.05
17,568,237.04
17,379,463.46
17,192,718.28
17,007,979.71
16,825,226.19
16,644,436.38
16,465,589.19
16,288,663.74
16,113,639.39
15,940,495.70
15,769,212.47
15,599,769.70
15,432,147.63
15,266,326.68
15,102,287.50
14,940,010.95
14,779,478.09
14,620,670.18
14,463,568.69
14,308,155.28
14,154,411.81
14,002,320.35
13,851,863.12
13,703,022.59
13,555,781.37
13,410,122.29
13,266,028.33
13,123,482.69
12,982,468.72
12,842,969.97
12,704,970.16
12,568,453.18
12,433,403.09
1.40%
60
12,299,804.14
12,167,640.74
12,036,897.45
11,907,559.02
11,779,610.35
11,653,036.51
11,527,822.73
11,403,954.39
11,281,417.03
11,160,196.36
11,040,278.23
10,921,648.63
10,804,293.73
10,688,199.83
10,573,353.38
10,459,740.97
aes a una tasa del 30% NMV por 5 aos. Construya la tabla de amortizacin.
Deuda final
deuda in. - amortizacion
Se divide la tasa por el tiempo para pasarla a efectiva
19,852,932.1
19,702,187.5
19,547,674.2
19,389,298.2
19,226,962.7
19,060,568.9
18,890,015.2
18,715,197.6
18,536,009.6
18,352,342.0
18,164,082.6
17,971,116.7
17,773,326.7
17,570,592.0
17,362,788.9
17,149,790.7
16,931,467.5
16,707,686.3
16,478,310.5
16,243,200.4
16,002,212.5
15,755,199.9
15,502,012.0
15,242,494.3
14,976,488.8
14,703,833.1
14,424,361.0
14,137,902.1
13,844,281.7
13,543,320.9
13,234,836.0
12,918,638.9
12,594,537.0
12,262,332.5
11,921,822.9
11,572,800.5
11,215,052.6
10,848,361.0
10,472,502.1
10,087,246.8
9,692,360.0
9,287,601.1
8,872,723.2
8,447,473.4
8,011,592.3
7,564,814.2
7,106,866.6
6,637,470.4
6,156,339.2
5,663,179.8
5,157,691.4
4,639,565.7
4,108,487.0
3,564,131.2
3,006,166.6
2,434,252.8
1,848,041.2
1,247,174.3
631,285.8
-0.0
10,000,000
-
18,750,000
18,055,556
17,361,111
16,666,667
15,972,222
15,277,778
14,583,333
13,888,889
13,194,444
12,500,000
11,805,556
11,111,111
10,416,667
9,722,222
9,027,778
8,333,333
7,638,889
6,944,444
6,250,000
5,555,556
4,861,111
4,166,667
3,472,222
2,777,778
2,083,333
1,388,889
694,444
-