Professional Documents
Culture Documents
En este archivo encontrar, varias hojas de clculo con ejercicios planteados y desarrollados
con las diferentes clases de anualidades.
En la Hoja2, encontrar la tabla de amortizacin de una anualidad tradicional.
En la Hoja3, encontrar la tabla de amortizacin de una anualidad con pagos extraordinarios
En la Hoja4, encontrar la tabla de amortizacin de una anualidad con cuotas crecientes
En la Hoja5, encontrar la tabla de capitalizacin
CIERA
ados y desarrollados
agos extraordinarios
uotas crecientes
Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
$ 20,000,000.00
2.40%
36
0
Capital
$ 355,939.82
$ 364,482.37
$ 373,229.95
$ 382,187.47
$ 391,359.97
$ 400,752.61
$ 410,370.67
$ 420,219.57
$ 430,304.83
$ 440,632.15
$ 451,207.32
$ 462,036.30
$ 473,125.17
$ 484,480.17
$ 496,107.70
$ 508,014.28
$ 520,206.63
$ 532,691.58
$ 545,476.18
$ 558,567.61
$ 571,973.23
$ 585,700.59
$ 599,757.41
$ 614,151.58
$ 628,891.22
$ 643,984.61
$ 659,440.24
$ 675,266.81
$ 691,473.21
$ 708,068.57
$ 725,062.21
$ 742,463.71
$ 760,282.83
$ 778,529.62
$ 797,214.33
$ 816,347.48
Intereses
$ 480,000.00
$ 471,457.44
$ 462,709.87
$ 453,752.35
$ 444,579.85
$ 435,187.21
$ 425,569.15
$ 415,720.25
$ 405,634.98
$ 395,307.67
$ 384,732.49
$ 373,903.52
$ 362,814.65
$ 351,459.64
$ 339,832.12
$ 327,925.53
$ 315,733.19
$ 303,248.23
$ 290,463.63
$ 277,372.21
$ 263,966.58
$ 250,239.23
$ 236,182.41
$ 221,788.23
$ 207,048.60
$ 191,955.21
$ 176,499.58
$ 160,673.01
$ 144,466.61
$ 127,871.25
$ 110,877.60
$ 93,476.11
$ 75,656.98
$ 57,410.19
$ 38,725.48
$ 19,592.34
Cuota
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
$ 835,939.82
Saldo
$ 20,000,000.00
$ 19,644,060.18
$ 19,279,577.81
$ 18,906,347.86
$ 18,524,160.39
$ 18,132,800.43
$ 17,732,047.82
$ 17,321,677.15
$ 16,901,457.58
$ 16,471,152.75
$ 16,030,520.60
$ 15,579,313.28
$ 15,117,276.98
$ 14,644,151.81
$ 14,159,671.63
$ 13,663,563.94
$ 13,155,549.65
$ 12,635,343.03
$ 12,102,651.45
$ 11,557,175.26
$ 10,998,607.65
$ 10,426,634.42
$ 9,840,933.83
$ 9,241,176.42
$ 8,627,024.84
$ 7,998,133.62
$ 7,354,149.01
$ 6,694,708.77
$ 6,019,441.96
$ 5,327,968.75
$ 4,619,900.19
$ 3,894,837.97
$ 3,152,374.27
$ 2,392,091.43
$ 1,613,561.81
$ 816,347.48
$ -0.00
Periodo
0
Valor
6 $ 1,500,000.00
12 $ 1,500,000.00
18 $ 1,500,000.00
24 $ 1,500,000.00
30 $ 1,500,000.00
36 $ 1,500,000.00
Valor Abonos en periodo 0
Valor Cuota Mensual
Prstamo
Tasa
Plazo
Tipo
Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Valor Presente
$ 1,301,042.61
$ 1,128,474.58
$ 978,795.67
$ 848,969.91
$ 736,364.02
$ 638,693.98
$ 5,632,340.76
$ 600,524.92
$ 20,000,000.00
2.40%
36
0
Capital
$ 120,524.92
$ 123,417.52
$ 126,379.54
$ 129,412.65
$ 132,518.55
$ 1,635,699.00
$ 174,955.77
$ 179,154.71
$ 183,454.43
$ 187,857.33
$ 192,365.91
$ 1,696,982.69
$ 237,710.27
$ 243,415.32
$ 249,257.29
$ 255,239.46
$ 261,365.21
$ 1,767,637.98
$ 310,061.29
$ 317,502.76
$ 325,122.82
$ 332,925.77
$ 340,915.99
$ 1,849,097.97
Intereses
$ 480,000.00
$ 477,107.40
$ 474,145.38
$ 471,112.27
$ 468,006.37
$ 464,825.92
$ 425,569.15
$ 421,370.21
$ 417,070.50
$ 412,667.59
$ 408,159.01
$ 403,542.23
$ 362,814.65
$ 357,109.60
$ 351,267.63
$ 345,285.46
$ 339,159.71
$ 332,886.95
$ 290,463.63
$ 283,022.16
$ 275,402.10
$ 267,599.15
$ 259,608.93
$ 251,426.95
Cuota
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 2,100,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 2,100,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 2,100,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 2,100,524.92
Saldo
$ 20,000,000.00
$ 19,879,475.08
$ 19,756,057.56
$ 19,629,678.02
$ 19,500,265.37
$ 19,367,746.82
$ 17,732,047.82
$ 17,557,092.04
$ 17,377,937.33
$ 17,194,482.91
$ 17,006,625.57
$ 16,814,259.67
$ 15,117,276.98
$ 14,879,566.70
$ 14,636,151.38
$ 14,386,894.09
$ 14,131,654.63
$ 13,870,289.42
$ 12,102,651.45
$ 11,792,590.16
$ 11,475,087.40
$ 11,149,964.58
$ 10,817,038.80
$ 10,476,122.81
$ 8,627,024.84
25
26
27
28
29
30
31
32
33
34
35
36
$ 393,476.33
$ 402,919.76
$ 412,589.83
$ 422,491.99
$ 432,631.80
$ 1,943,014.96
$ 489,647.32
$ 501,398.85
$ 513,432.43
$ 525,754.80
$ 538,372.92
$ 2,051,293.87
$ 207,048.60
$ 197,605.16
$ 187,935.09
$ 178,032.93
$ 167,893.13
$ 157,509.96
$ 110,877.60
$ 99,126.07
$ 87,092.50
$ 74,770.12
$ 62,152.00
$ 49,231.05
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 2,100,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 600,524.92
$ 2,100,524.92
$ 8,233,548.51
$ 7,830,628.76
$ 7,418,038.93
$ 6,995,546.94
$ 6,562,915.14
$ 4,619,900.19
$ 4,130,252.87
$ 3,628,854.02
$ 3,115,421.59
$ 2,589,666.79
$ 2,051,293.87
$ 0.00
TRAORDINARIOS
mensuales iguales
Valor Cuota
12 $
750,000.00
12 $
850,000.00
Valor Abonos en periodo 0
Valor Presente
$ 7,740,112.98
$ 6,599,415.66
$ 14,339,528.64
$ 5,660,471.36
$ 10,001,187.21
Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
$ 969,093.14
$ 20,000,000.00
2.40%
36
0
Capital
$ 270,000.00
$ 276,480.00
$ 283,115.52
$ 289,910.29
$ 296,868.14
$ 303,992.97
$ 311,288.81
$ 318,759.74
$ 326,409.97
$ 334,243.81
$ 342,265.66
$ 350,480.04
$ 458,891.56
$ 469,904.96
$ 481,182.68
$ 492,731.06
$ 504,556.60
$ 516,665.96
$ 529,065.95
$ 541,763.53
$ 554,765.85
$ 568,080.23
$ 581,714.16
Intereses
$ 480,000.00
$ 473,520.00
$ 466,884.48
$ 460,089.71
$ 453,131.86
$ 446,007.03
$ 438,711.19
$ 431,240.26
$ 423,590.03
$ 415,756.19
$ 407,734.34
$ 399,519.96
$ 391,108.44
$ 380,095.04
$ 368,817.32
$ 357,268.94
$ 345,443.40
$ 333,334.04
$ 320,934.05
$ 308,236.47
$ 295,234.15
$ 281,919.77
$ 268,285.84
Cuota
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 750,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
$ 850,000.00
Saldo
$ 20,000,000.00
$ 19,730,000.00
$ 19,453,520.00
$ 19,170,404.48
$ 18,880,494.19
$ 18,583,626.05
$ 18,279,633.07
$ 17,968,344.27
$ 17,649,584.53
$ 17,323,174.56
$ 16,988,930.75
$ 16,646,665.09
$ 16,296,185.05
$ 15,837,293.49
$ 15,367,388.53
$ 14,886,205.86
$ 14,393,474.80
$ 13,888,918.19
$ 13,372,252.23
$ 12,843,186.28
$ 12,301,422.75
$ 11,746,656.90
$ 11,178,576.67
$ 10,596,862.51
24
25
26
27
28
29
30
31
32
33
34
35
36
$ 595,675.30
$ 729,064.65
$ 746,562.20
$ 764,479.69
$ 782,827.21
$ 801,615.06
$ 820,853.82
$ 840,554.31
$ 860,727.61
$ 881,385.08
$ 902,538.32
$ 924,199.24
$ 946,380.02
$ 254,324.70
$ 240,028.49
$ 222,530.94
$ 204,613.45
$ 186,265.94
$ 167,478.08
$ 148,239.32
$ 128,538.83
$ 108,365.53
$ 87,708.06
$ 66,554.82
$ 44,893.90
$ 22,713.12
$ 850,000.00
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 969,093.14
$ 10,001,187.21
$ 9,272,122.56
$ 8,525,560.36
$ 7,761,080.66
$ 6,978,253.46
$ 6,176,638.40
$ 5,355,784.58
$ 4,515,230.27
$ 3,654,502.66
$ 2,773,117.58
$ 1,870,579.26
$ 946,380.02
$ 0.00
CRECIENTES
ensuales iguales.
12 del valor necesario
Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
$ 10,000,000.00
2.40%
36
0
Ahorro
Intereses
Depsito
$ 177,969.91
$ 182,241.19
$ 186,614.97
$ 191,093.73
$ 195,679.98
$ 200,376.30
$ 205,185.33
$ 210,109.78
$ 215,152.42
$ 220,316.08
$ 225,603.66
$ 231,018.15
$ 236,562.58
$ 242,240.09
$ 248,053.85
$ 254,007.14
$ 260,103.31
$ 266,345.79
$ 272,738.09
$ 279,283.81
$ 285,986.62
$ 292,850.30
$ 299,878.70
$ 307,075.79
$ 314,445.61
$ 321,992.31
$ 329,720.12
$ 337,633.40
$ 345,736.60
$ 354,034.28
$ 362,531.11
$ 371,231.85
$ 380,141.42
$ 389,264.81
$ 398,607.17
$ 408,173.74
$ 0.00
$ 4,271.28
$ 8,645.07
$ 13,123.83
$ 17,710.08
$ 22,406.39
$ 27,215.43
$ 32,139.87
$ 37,182.51
$ 42,346.17
$ 47,633.75
$ 53,048.24
$ 58,592.68
$ 64,270.18
$ 70,083.94
$ 76,037.23
$ 82,133.40
$ 88,375.88
$ 94,768.18
$ 101,313.90
$ 108,016.71
$ 114,880.39
$ 121,908.79
$ 129,105.88
$ 136,475.70
$ 144,022.40
$ 151,750.21
$ 159,663.49
$ 167,766.70
$ 176,064.37
$ 184,561.20
$ 193,261.94
$ 202,171.51
$ 211,294.90
$ 220,637.26
$ 230,203.83
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
$ 177,969.91
Saldo
$ 177,969.91
$ 360,211.09
$ 546,826.07
$ 737,919.80
$ 933,599.79
$ 1,133,976.09
$ 1,339,161.43
$ 1,549,271.21
$ 1,764,423.63
$ 1,984,739.70
$ 2,210,343.36
$ 2,441,361.51
$ 2,677,924.10
$ 2,920,164.18
$ 3,168,218.03
$ 3,422,225.17
$ 3,682,328.49
$ 3,948,674.28
$ 4,221,412.37
$ 4,500,696.17
$ 4,786,682.79
$ 5,079,533.09
$ 5,379,411.79
$ 5,686,487.58
$ 6,000,933.19
$ 6,322,925.50
$ 6,652,645.62
$ 6,990,279.02
$ 7,336,015.62
$ 7,690,049.91
$ 8,052,581.01
$ 8,423,812.87
$ 8,803,954.28
$ 9,193,219.09
$ 9,591,826.26
$ 10,000,000.00