INSTITUTO POLITCNICO NACIONAL

ESCUELA SUPERIOR DE CMPUTO

Administracion Financiera

Practica Modelos de pago de Deuda

Por:
Omar Posadas Matas

Profesor:
RODRIGUEZ FLORES EDUARDO
MAYO 2013

Credito a 12 ,24 y 36 meses por 1,200,000 auna taza fija de 16.98% nominal a 30 dias.
Tasa efectiva = 16.98(30/360)=1.415 %
Para un periodo de 12
Esquema de pagos decrecientes
No de Pagos Capital Inicial
Amortizacion
1
500,000
41666.66667
2
$
458,333.33
41,667
3
$
416,666.67
41,667
4
$
375,000.00
41,667
5
$
333,333.33
41,667
6
$
291,666.67
41,667
7
$
250,000.00
41,667
8
$
208,333.33
41,667
9
$
166,666.67
41,667
10
$
125,000.00
41,667
11
$
83,333.33
41,667
12
$
41,666.67
41,667

Interes
7075
6485.41666
5895.83333
5306.25
4716.66666
4127.08333
3537.5
2947.91666
2358.33333
1768.75
1179.16666
589.583332

Pago
Capital Final
48741.6666
458,333
48152.0833
416,667
47562.5
375,000
46972.9166
333,333
46383.3333
291,667
45793.75
250,000
45204.1666
208,333
44614.5833
166,667
44025
125,000
43435.4166
83,333
42845.8333
41,667
42256.25
0

Esquema de pagos TIPO BULLET(El ultimo periodo cambia)

No de Pagos
1
2
3
4
5
6
7
8
9
10
11
12

Capital Inicial
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000

Amortizacion
0
0
0
0
0
0
0
0
0
0
0
500,000

Interes
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075

Pago
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
507075

Capital Final
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
0

Esquema de pagos tipo crecientes

No de
Pagos
1
2
3
4
5
6
7
8
9
10
11
12

Capital Inicial
500,000.00
464,819
428,542
391,145
352,604
312,894
271,990
229,866
186,495
141,850
95,905
48,631

$
$
$
$
$
$
$
$
$
$
$
$

Amortizacion
35,181.25
36,276.98
37,396.69
38,540.83
39,709.85
40,904.23
42,124.47
43,371.05
44,644.47
45,945.26
47,273.91
48,630.96

Interes
7,075
6,577
6,064
5,535
4,989
4,427
3,849
3,253
2,639
2,007
1,357
688

Pago
$ 42,256.
$ 42,854.17
$ 43,460.56
$ 44,075.53
$ 44,699.20
$ 45,331.69
$ 45,973.13
$ 46,623.65
$ 47,283.37
$ 47,952.44
$ 48,630.96
$ 49,319.09

Capital Final
464,819
428,542
391,145
352,604
312,894
271,990
229,866
186,495
141,850
95,905
48,631
0

Esquema de pagos iguales

No de Pagos
1
2
3
4
5
6
7
8
9
10
11
12

Capital Inicial
Amortizacion
Interes
Pago
Capital Final
500,000
38,523
7075
45,598
461,477
461,477
38,523
7075
45,598
422,955
422,955
38,523
7075
45,598
384,432
384,432
38,523
7075
45,598
345,909
345,909
38,523
7075
45,598
307,387
307,387
38,523
7075
45,598
268,864
268,864
38,523
7075
45,598
230,342
230,342
38,523
7075
45,598
191,819
191,819
38,523
7075
45,598
153,296
153,296
38,523
7075
45,598
114,774
114,774
38,523
7075
45,598
76,251
76,251
38,523
7075
45,598
37,728

Para un periodo de 24 Meses

Esquema de pagos decrecientes
No de
Pagos
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Capital Inicial
$
500,000.00
$
479,166.67
$
458,333.34
$
437,500.01
$
416,666.68
$
395,833.35
$
375,000.02
$
354,166.69
$
333,333.36
$
312,500.03
$
291,666.70
$
270,833.37
$
250,000.04
$
229,166.71
$
208,333.38
$
187,500.05
$
166,666.72
$
145,833.39
$
125,000.06
$
104,166.73

Amortizacion
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33

Interes
$
7,075.00
$
6,780.21
$
6,485.42
$
6,190.63
$
5,895.83
$
5,601.04
$
5,306.25
$
5,011.46
$
4,716.67
$
4,421.88
$
4,127.08
$
3,832.29
$
3,537.50
$
3,242.71
$
2,947.92
$
2,653.13
$
2,358.33
$
2,063.54
$
1,768.75
$
1,473.96

Pago
$
27,908.33
$
27,613.54
$
27,318.75
$
27,023.96
$
26,729.16
$
26,434.37
$
26,139.58
$
25,844.79
$
25,550.00
$
25,255.21
$
24,960.41
$
24,665.62
$
24,370.83
$
24,076.04
$
23,781.25
$
23,486.46
$
23,191.66
$
22,896.87
$
22,602.08
$
22,307.29

Capital Final
$
479,166.67
$
458,333.34
$
437,500.01
$
416,666.68
$
395,833.35
$
375,000.02
$
354,166.69
$
333,333.36
$
312,500.03
$
291,666.70
$
270,833.37
$
250,000.04
$
229,166.71
$
208,333.38
$
187,500.05
$
166,666.72
$
145,833.39
$
125,000.06
$
104,166.73
$
83,333.40

$
21 83,333.40
$
22 62,500.07
$
23 41,666.74
$
24 20,833.41

$
20,833.33
$
20,833.33
$
20,833.33
$
20,833.33

$
1,179.17
$
884.38
$
589.58
$
294.79

$
22,012.50
$
21,717.71
$
21,422.91
$
21,128.12

$
62,500.07
$
41,666.74
$
20,833.41
$
0.08

Pago

Capital Final
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
0

Esquema de pagos TIPO BULLET(El ultimo periodo cambia)

No de
Pagos

Capital Inicial
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
19
20
21
22
23
24

Amortizacion
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
500,000

Interes
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075

7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
507075

Esquema de pagos tipo crecientes

No de
Pagos
1

Capital Inicial
$
500,000.00

485,947

471,396

456,336

440,755

424,642

407,985

390,772

372,989

10

354,625

11

335,667

12

316,101

13

295,915

14

275,093

15

253,624

16

231,491

17

208,682

18

185,180

19

160,972

20

136,041

21

110,373

22

83,951

Amortizacion
$
14,053.13
$
14,550.93
$
15,060.03
$
15,580.61
$
16,112.90
$
16,657.15
$
17,213.57
$
17,782.40
$
18,363.88
$
18,958.26
$
19,565.79
$
20,186.71
$
20,821.29
$
21,469.78
$
22,132.45
$
22,809.58
$
23,501.44
$
24,208.31
$
24,930.49
$
25,668.25
$
26,421.90
$
27,191.74

Interes
7,075
6,876
6,670
6,457
6,237
6,009
5,773
5,529
5,278
5,018
4,750
4,473
4,187
3,893
3,589
3,276
2,953
2,620
2,278
1,925
1,562
1,188

Pago
$
21,128.13
$
21,427.08
$
21,730.28
$
22,037.76
$
22,349.59
$
22,665.84
$
22,986.56
$
23,311.82
$
23,641.68
$
23,976.21
$
24,315.48
$
24,659.54
$
25,008.48
$
25,362.35
$
25,721.22
$
26,085.18
$
26,454.28
$
26,828.61
$
27,208.24
$
27,593.23
$
27,983.68
$
28,379.65

Capital Final
485,947
471,396
456,336
440,755
424,642
407,985
390,772
372,989
354,625
335,667
316,101
295,915
275,093
253,624
231,491
208,682
185,180
160,972
136,041
110,373
83,951
56,759

23

56,759

24

28,781

$
27,978.07
$
28,781.21

407

$
28,781.22
$
29,188.47

Interes
7075
6825.37532
6572.21845
6315.47942
6055.10752
5791.05137
5523.25882
5251.677
4976.2523
4696.93034
4413.65598
4126.37328
3835.02554
3539.55522
3239.904
2936.01271
2627.82137
2315.26911
1998.29424
1676.83418
1350.82545
1020.2037
684.903657
344.859116

Pago
24,716
24,716
24,716
24,716
24,716
24,716
24,716
24,716
24,716
24,716
24,716
24,716
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32
24716.32

803

28,781
0

Esquema de pagos iguales

No de
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

Capital Inicial
500,000
482,359
464,468
446,324
427,923
409,262
390,336
371,143
351,679
331,939
311,919
291,616
271,027
250,145
228,968
207,492
185,712
163,623
141,222
118,504
95,465
72,099
48,403
24,372

Amortizacion
17,641
17,891
18,144
18,401
18,661
18,925
19,193
19,465
19,740
20,019
20,303
20,590
20,881
21,177
21,476
21,780
22,088
22,401
22,718
23,039
23,365
23,696
24,031
24,371

Capital Final
482,359
464,468
446,324
427,923
409,262
390,336
371,143
351,679
331,939
311,919
291,616
271,027
250,145
228,968
207,492
185,712
163,623
141,222
118,504
95,465
72,099
48,403
24,372
0

Perido de 36:
Esquema de pagos decrecientes
No de Pagos

Capital Inicial

500,000.00

486,111.11

472,222.22

458,333.33

444,444.44

430,555.55

416,666.66

402,777.77

388,888.88

10

374,999.99

11

361,111.10

12

347,222.21

13

333,333.32

14

319,444.43

15

305,555.54

16

291,666.65

17

277,777.76

18

263,888.87

19

249,999.98

20

236,111.09

21
22

$
$

222,222.20
208,333.31

Amortizacion
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$

Interes
$
7,075.00
$
6,878.47
$
6,681.94
$
6,485.42
$
6,288.89
$
6,092.36
$
5,895.83
$
5,699.31
$
5,502.78
$
5,306.25
$
5,109.72
$
4,913.19
$
4,716.67
$
4,520.14
$
4,323.61
$
4,127.08
$
3,930.56
$
3,734.03
$
3,537.50
$
3,340.97
$
3,144.44
$

Pago
$
20,963.89
$
20,767.36
$
20,570.83
$
20,374.31
$
20,177.78
$
19,981.25
$
19,784.72
$
19,588.20
$
19,391.67
$
19,195.14
$
18,998.61
$
18,802.08
$
18,605.56
$
18,409.03
$
18,212.50
$
18,015.97
$
17,819.45
$
17,622.92
$
17,426.39
$
17,229.86
$
17,033.33
$

Capital Final
$
486,111.11
$
472,222.22
$
458,333.33
$
444,444.44
$
430,555.55
$
416,666.66
$
402,777.77
$
388,888.88
$
374,999.99
$
361,111.10
$
347,222.21
$
333,333.32
$
319,444.43
$
305,555.54
$
291,666.65
$
277,777.76
$
263,888.87
$
249,999.98
$
236,111.09
$
222,222.20
$
208,333.31
$

23

194,444.42

24

180,555.53

25

166,666.64

26

152,777.75

27

138,888.86

28

124,999.97

29

111,111.08

30

97,222.19

31

83,333.30

32

69,444.41

33

55,555.52

34

41,666.63

35

27,777.74

36

13,888.85

13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89
$
13,888.89

2,947.92
$
2,751.39
$
2,554.86
$
2,358.33
$
2,161.81
$
1,965.28
$
1,768.75
$
1,572.22
$
1,375.69
$
1,179.17
$
982.64
$
786.11
$
589.58
$
393.06
$
196.53

16,836.81
$
16,640.28
$
16,443.75
$
16,247.22
$
16,050.70
$
15,854.17
$
15,657.64
$
15,461.11
$
15,264.58
$
15,068.06
$
14,871.53
$
14,675.00
$
14,478.47
$
14,281.95
$
14,085.42

194,444.42
$
180,555.53
$
166,666.64
$
152,777.75
$
138,888.86
$
124,999.97
$
111,111.08
$ 97,222.19

Pago
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075

Capital Final
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000

$ 83,333.30
$ 69,444.41
$ 55,555.52
$ 41,666.63
$ 27,777.74
$ 13,888.85
-$
0.04

Esquema de pagos TIPO BULLET(El ultimo periodo cambia)

No de Pagos
1
2
3
4
5
6
7
8
9
10

Capital Inicial
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000

Amortizacion
0
0
0
0
0
0
0
0
0
0

Interes
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075

11
12
13
14
15
16
17
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
500,000

7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075

7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
7075
507075

500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
500,000
0

Amortizacion
$
7,010.41
$
7,308.92
$
7,614.47
$
7,927.20
$
8,247.26
$
8,574.79
$

Interes

Pago
$
14,085.41
$
14,284.72
$
14,486.85
$
14,691.84
$
14,899.73
$
15,110.56
$

Capital Final

Esquema de pagos tipo crecientes

No de Pagos
1

Capital Inicial
$

500,000.00

492,990

485,681

478,066

470,139

6
7

461,892
453,317

7,075
6,976
6,872
6,765
6,652
6,536
6,414

492,990
485,681
478,066
470,139
461,892
453,317
444,407

444,407

435,154

10

425,550

11

415,588

12

405,258

13

394,553

14

383,463

15

371,981

16

360,097

17

347,803

18

335,088

19

321,943

20

308,360

21

294,328

22

279,837

23

264,877

24

249,437

25

233,508

26

217,078

27

200,136

28

182,671

29

164,672

30
31

146,127
127,024

8,909.94
$
9,252.85
$
9,603.69
$
9,962.60
$
10,329.75
$
10,705.29
$
11,089.40
$
11,482.22
$
11,883.95
$
12,294.74
$
12,714.78
$
13,144.25
$
13,583.32
$
14,032.19
$
14,491.04
$
14,960.07
$
15,439.47
$
15,929.45
$
16,430.18
$
16,941.92
$
17,464.84
$
17,999.17
$
18,545.11
$
19,102.91
$

6,288
6,157
6,022
5,881
5,734
5,583
5,426
5,264
5,095
4,921
4,741
4,556
4,363
4,165
3,960
3,748
3,530
3,304
3,072
2,832
2,585
2,330
2,068
1,797

15,324.37
$
15,541.21
$
15,761.12
$
15,984.14
$
16,210.32
$
16,439.69
$
16,672.32
$
16,908.23
$
17,147.48
$
17,390.12
$
17,636.19
$
17,885.74
$
18,138.82
$
18,395.49
$
18,655.78
$
18,919.76
$
19,187.48
$
19,458.99
$
19,734.32
$
20,013.57
$
20,296.76
$
20,583.96
$
20,875.22
$
21,170.60
$

435,154
425,550
415,588
405,258
394,553
383,463
371,981
360,097
347,803
335,088
321,943
308,360
294,328
279,837
264,877
249,437
233,508
217,078
200,136
182,671
164,672
146,127
127,024
107,351

32

107,351

33

87,096

34

66,246

35

44,789

36

22,712

19,672.78
$
20,254.95
$
20,849.66
$
21,457.14
$
22,077.65
$
22,711.41

321

21,470.17
$
21,773.97
$
22,082.07
$
22,394.53
$
22,711.42
$
23,032.78

Interes
7075
6922.93872
6768.72578
6612.33072
6453.72267
6292.87032
6129.74191
5964.30523
5796.52762
5626.37596
5453.81666
5278.81563
5101.33835
4921.34976
4738.81433
4553.69603
4365.9583
4175.56408
3982.47579
3786.65529
3588.06394
3386.66252
3182.41126
2975.26986
2765.1974
2552.15241
2336.09284
2116.97603

Pago
17,821
17,821
17,821
17,821
17,821
17,821
17,821
17,821
17,821
17,821
17,821
17,821
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38

1,519
1,232
937
634

87,096
66,246
44,789
22,712
0

Esquema de pagos iguales

No de 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

Capital Inicial
500,000
489,254
478,355
467,303
456,093
444,726
433,197
421,506
409,649
397,624
385,429
373,061
360,519
347,799
334,899
321,816
308,548
295,093
281,447
267,608
253,573
239,340
224,905
210,266
195,420
180,364
165,095
149,610

Amortizacion
10,746
10,898
11,053
11,209
11,368
11,529
11,692
11,857
12,025
12,195
12,368
12,543
12,720
12,900
13,083
13,268
13,455
13,646
13,839
14,035
14,233
14,435
14,639
14,846
15,056
15,269
15,485
15,704

Capital Final
489,254
478,355
467,303
456,093
444,726
433,197
421,506
409,649
397,624
385,429
373,061
360,519
347,799
334,899
321,816
308,548
295,093
281,447
267,608
253,573
239,340
224,905
210,266
195,420
180,364
165,095
149,610
133,905

29
30
31
32
33
34
35
36

133,905
117,979
101,827
85,446
68,834
51,986
34,901
17,573

15,927
16,152
16,381
16,612
16,847
17,086
17,328
17,573

1894.75871
1669.39702
1440.84646
1209.06191
973.997613
735.607152
493.843466
248.658824

17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38
17821.38

117,979
101,827
85,446
68,834
51,986
34,901
17,573
0