EJERCICIO

2
3
4
5
6

Prestamos
Intereses
aos
mensualidades
Pago Mensual
$ 10,501
8.0%
8.5%
9.0%
9.5%
10.0%
10.5%

500,000
9.5%
5
12
10,501

102,387

1
$ 43,494
$ 43,610
$ 43,726
$ 43,842
$ 43,958
$ 44,074

2
$ 22,614
$ 22,728
$ 22,842
$ 22,957
$ 23,072
$ 23,188

3
$ 15,668
$ 15,784
$ 15,900
$ 16,016
$ 16,134
$ 16,251

4
$ 12,206
$ 12,324
$ 12,443
$ 12,562
$ 12,681
$ 12,802

5
$ 10,138
$ 10,258
$ 10,379
$ 10,501
$ 10,624
$ 10,747

1)

Tasa Nominal Anual

Mensual
Bimestral
Trimestral
Semestral

2)

Tasa Nominal Anual

Tasa Efectiva Mensual

28%
2.33%

3)

Tasa Nominal Anual

Tasa Efectiva Mensual

37% 0.03083333
3.08%

28%
2.33%
4.67%
7.00%
14.00%

PRESTAMO
36,000,000
TASA
12.5% ANUAL
PERIODO
84 MENSUAL
PAGO MENSUAL
645,165

No Pagos
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
37
38
39
40
41
42
43
44
45

Pago Interes
375,000.00
372,185.79
369,342.26
366,469.11
363,566.03
360,632.71
357,668.84
354,674.09
351,648.15
348,590.68
345,501.37
342,379.88
339,225.87
336,039.01
332,818.95
329,565.35
326,277.86
322,956.13
319,599.79
316,208.49
312,781.86
309,319.54
305,821.16
302,286.33
298,714.68
295,105.83
291,459.38
287,774.95
284,052.14
280,290.56
276,489.78
272,649.42
268,769.06
264,848.27
260,886.64
256,883.75
252,839.15
248,752.43
244,623.14
240,450.83
236,235.06
231,975.38
227,671.32
223,322.44
218,928.25

Pago Capital
270,164.58
272,978.80
275,822.33
278,695.48
281,598.55
284,531.87
287,495.75
290,490.49
293,516.44
296,573.90
299,663.21
302,784.70
305,938.71
309,125.57
312,345.63
315,599.23
318,886.72
322,208.46
325,564.80
328,956.10
332,382.72
335,845.04
339,343.43
342,878.26
346,449.90
350,058.76
353,705.20
357,389.63
361,112.44
364,874.03
368,674.80
372,515.16
376,395.53
380,316.31
384,277.94
388,280.84
392,325.43
396,412.15
400,541.45
404,713.75
408,929.52
413,189.20
417,493.26
421,842.15
426,236.34

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
73
74
75
76
77
78
79
80
81
82
83
84

214,488.29
210,002.07
205,469.13
200,888.97
196,261.10
191,585.02
186,860.23
182,086.23
177,262.50
172,388.52
167,463.77
162,487.72
157,459.83
152,379.58
147,246.40
142,059.75
136,819.08
131,523.81
126,173.38
120,767.23
115,304.75
109,785.38
104,208.51
98,573.56
92,879.90
87,126.93
81,314.04
75,440.60
69,505.97
63,509.53
57,450.62
51,328.60
45,142.81
38,892.58
32,577.25
26,196.13
19,748.54
13,233.79
6,651.18

430,676.30
435,162.51
439,695.45
444,275.61
448,903.48
453,579.56
458,304.35
463,078.35
467,902.09
472,776.07
477,700.82
482,676.87
487,704.75
492,785.01
497,918.18
503,104.83
508,345.51
513,640.77
518,991.20
524,397.36
529,859.83
535,379.20
540,956.07
546,591.03
552,284.68
558,037.65
563,850.54
569,723.99
575,658.61
581,655.05
587,713.96
593,835.98
600,021.77
606,272.00
612,587.33
618,968.45
625,416.04
631,930.79
638,513.40

Saldo
35,729,835.42
35,456,856.62
35,181,034.29
34,902,338.82
34,620,740.26
34,336,208.39
34,048,712.64
33,758,222.15
33,464,705.71
33,168,131.82
32,868,468.61
32,565,683.90
32,259,745.19
31,950,619.62
31,638,273.99
31,322,674.76
31,003,788.04
30,681,579.59
30,356,014.79
30,027,058.69
29,694,675.97
29,358,830.93
29,019,487.50
28,676,609.25
28,330,159.34
27,980,100.59
27,626,395.38
27,269,005.75
26,907,893.31
26,543,019.28
26,174,344.49
25,801,829.32
25,425,433.80
25,045,117.48
24,660,839.54
24,272,558.70
23,880,233.27
23,483,821.12
23,083,279.67
22,678,565.92
22,269,636.39
21,856,447.19
21,438,953.93
21,017,111.79
20,590,875.45

20,160,199.15
19,725,036.64
19,285,341.19
18,841,065.58
18,392,162.10
17,938,582.53
17,480,278.19
17,017,199.83
16,549,297.75
16,076,521.68
15,598,820.87
15,116,144.00
14,628,439.25
14,135,654.24
13,637,736.06
13,134,631.23
12,626,285.72
12,112,644.94
11,593,653.75
11,069,256.39
10,539,396.56
10,004,017.36
9,463,061.29
8,916,470.26
8,364,185.57
7,806,147.92
7,242,297.38
6,672,573.40
6,096,914.79
5,515,259.73
4,927,545.77
4,333,709.79
3,733,688.02
3,127,416.02
2,514,828.68
1,895,860.23
1,270,444.19
638,513.40
0.00

PRESTAMO
TASA
PERIODO
PAGO

36,000,000
12.5% ANUAL
7 AOS
5,359,363

No Pagos
1
2
3
4
5
6
7

Pago Interes
375,000.00
323,079.55
270,618.26
217,610.50
164,050.58
109,932.74
55,251.17

Pago Capital
4,984,363.26
5,036,283.71
5,088,744.99
5,141,752.76
5,195,312.68
5,249,430.52
5,304,112.09

Saldo
31,015,636.74
25,979,353.04
20,890,608.04
15,748,855.29
10,553,542.61
5,304,112.09
0.00