Modelos para clculos de Matem

Autor Jorge Santiago Rosi

jsrosill@javeriana.ed

1. Tasa Efectiva An
2. Tasa Peridica

3. Tabla de Amortiz

os de Matemticas Financieras

antiago Rosillo Corchuelo

@javeriana.edu.co

fectiva Anual

eridica

e Amortizacin

para asegurar el funcionamiento del documento

por favor active la opcin de Macros

MODELO PARA CLCULO DE LA TASA EFECTIVA ANUAL

Tasa Anual
Tasa:

Periodo

40.00% ANUAL

Tasa Efectiva Anual:

Tipo
A

66.67%

Ayuda
Volver al Men

MODELO PARA CLCULO DE LA TASA PERIODICA

Tasa:

Tasa Anual

Periodo

Tipo

56.00%

SEMESTRE

Tasa Efectiva Anual:

Seleccionar Tasa Peridica

SEMESTRE

92.90%

Tipo

V
Tasa Peridica Obtenida:

38.89%

Ayuda
Volver al Men

MODELO PARA ELABORAR TABLAS DE AMORTIZACIN DE PRSTAMOS C

IGUALES VENCIDAS Y PAGO DE INTERESES VENCIDOS O ANTICIPA

Valor Prstamo:

4,500,000.00
Tasa Anual

Tasa de Inters:
Seleccionar Forma de Pago de las Cuotas:
Seleccionar Forma de Pago de los Intereses:

2%

MES
V
3

Plazo del Prstamo en Aos:

Plazo del Prstamo en el Periodo de las Cuotas:

Pago o Cuota:

Trimestre
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

Saldo Inicial
4,500,000.00
4,500,000.00
4,378,614.36
4,257,026.07
4,135,234.79
4,013,240.19
3,891,041.93
3,768,639.66
3,646,033.05
3,523,221.75
3,400,205.43
3,276,983.73
3,153,556.33
3,029,922.87
2,906,083.00
2,782,036.40
2,657,782.70
2,533,321.57
2,408,652.66
2,283,775.62
2,158,690.10
2,033,395.76

36
$ 128,898.16

TABLA DE AMORTIZACIN DEL PRESTAMO

Intereses
7,512.52
7,309.87
7,106.89
6,903.56
6,699.90
6,495.90
6,291.55
6,086.87
5,881.84
5,676.47
5,470.76
5,264.70
5,058.30
4,851.56
4,644.47
4,437.03
4,229.25
4,021.12
3,812.65
3,603.82
3,394.65

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

1,907,892.25
1,782,179.21
1,656,256.31
1,530,123.18
1,403,779.48
1,277,224.85
1,150,458.95
1,023,481.42
896,291.91
768,890.06
641,275.52
513,447.93
385,406.94
257,152.19
128,683.33

3,185.13
2,975.26
2,765.04
2,554.46
2,343.54
2,132.26
1,920.63
1,708.65
1,496.31
1,283.62
1,070.58
857.18
643.42
429.30
214.83

Ayuda

TABLAS DE AMORTIZACIN DE PRSTAMOS CON CUOTAS

Y PAGO DE INTERESES VENCIDOS O ANTICIPADOS

Periodo

Tipo

MES

Volver al Men

meses

DE AMORTIZACIN DEL PRESTAMO

Cuota
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16

Abono a capital
121,385.64
121,588.29
121,791.28
121,994.60
122,198.26
122,402.27
122,606.61
122,811.30
123,016.32
123,221.69
123,427.41
123,633.46
123,839.86
124,046.61
124,253.70
124,461.13
124,668.91
124,877.04
125,085.52
125,294.34
125,503.51

Saldo final
4,500,000.00
4,378,614.36
4,257,026.07
4,135,234.79
4,013,240.19
3,891,041.93
3,768,639.66
3,646,033.05
3,523,221.75
3,400,205.43
3,276,983.73
3,153,556.33
3,029,922.87
2,906,083.00
2,782,036.40
2,657,782.70
2,533,321.57
2,408,652.66
2,283,775.62
2,158,690.10
2,033,395.76
1,907,892.25

128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16
128,898.16

125,713.03
125,922.91
126,133.13
126,343.70
126,554.63
126,765.90
126,977.53
127,189.51
127,401.85
127,614.54
127,827.59
128,040.99
128,254.75
128,468.86
128,683.33

1,782,179.21
1,656,256.31
1,530,123.18
1,403,779.48
1,277,224.85
1,150,458.95
1,023,481.42
896,291.91
768,890.06
641,275.52
513,447.93
385,406.94
257,152.19
128,683.33
-0.00