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Excel Avanzado

www.excelavanzado.com
Adolfo Aparicio

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AutoCuadro.xls

Cuadro de Amortizacin Automtico

Principal
Tasa Nominal
Aos

Ao
0
1
2
3
4
5
6
7
8
9
10
11
12

Anualidad

11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70
11,927.70

100,000.00
6.00%
12

Cuota Intereses

6,000.00
5,644.34
5,267.34
4,867.71
4,444.11
3,995.10
3,519.14
3,014.63
2,479.85
1,912.97
1,312.09
675.15

C. Amortizacin

5,927.70
6,283.37
6,660.37
7,059.99
7,483.59
7,932.60
8,408.56
8,913.07
9,447.86
10,014.73
10,615.61
11,252.55

Cap. Vivo

100,000.00
94,072.30
87,788.93
81,128.56
74,068.58
66,584.99
58,652.38
50,243.82
41,330.75
31,882.89
21,868.16
11,252.55
0.00

Cap. Amortizado

5,927.70
12,211.07
18,871.44
25,931.42
33,415.01
41,347.62
49,756.18
58,669.25
68,117.11
78,131.84
88,747.45
100,000.00

Prstamo Francs

AutoCuadro.xls

Cuadro de Amortizacin Automtico (mensual)

Principal
Tasa Nominal
Aos

Mes
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

Mensualidad

4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06
4,432.06

100,000.00
6.00%
2

Cuota Intereses

500.00
480.34
460.58
440.72
420.77
400.71
380.55
360.30
339.94
319.48
298.91
278.25
257.48
236.61
215.63
194.55
173.36
152.07
130.67
109.16
87.54
65.82
43.99
22.05

Meses
Efectivo mensual
Efectivo anual (TAE)

C. Amortizacin

3,932.06
3,951.72
3,971.48
3,991.34
4,011.29
4,031.35
4,051.51
4,071.76
4,092.12
4,112.58
4,133.15
4,153.81
4,174.58
4,195.45
4,216.43
4,237.51
4,258.70
4,280.00
4,301.40
4,322.90
4,344.52
4,366.24
4,388.07
4,410.01

Cap. Vivo

100,000.00
96,067.94
92,116.22
88,144.74
84,153.40
80,142.11
76,110.76
72,059.25
67,987.48
63,895.36
59,782.78
55,649.63
51,495.82
47,321.23
43,125.78
38,909.35
34,671.83
30,413.13
26,133.14
21,831.74
17,508.84
13,164.32
8,798.08
4,410.01
-

24
0.5000%
6.1678%

Cap. Amortizado

3,932.06
7,883.78
11,855.26
15,846.60
19,857.89
23,889.24
27,940.75
32,012.52
36,104.64
40,217.22
44,350.37
48,504.18
52,678.77
56,874.22
61,090.65
65,328.17
69,586.87
73,866.86
78,168.26
82,491.16
86,835.68
91,201.92
95,589.99
100,000.00

co (mensual)

Prstamo Francs

AutoCuadro.xls

Cuadro de Amortizacin Automtico (con carencia)

Principal
Tasa Nominal
Aos Totales
Meses de carencia

Mes
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

Mensualidad

500.00
500.00
500.00
500.00
500.00
500.00
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89
3,597.89

100,000.00
6.00%
3
6
Cuota Intereses

500.00
500.00
500.00
500.00
500.00
500.00
500.00
484.51
468.94
453.30
437.58
421.77
405.89
389.93
373.89
357.77
341.57
325.29
308.93
292.48
275.96
259.35
242.65
225.88
209.02
192.07
175.04
157.93
140.73
123.45
106.07
88.61
71.07
53.43
35.71
17.90

Meses Totales
Efectivo mensual
Efectivo anual (TAE)

C. Amortizacin

0.00
0.00
0.00
0.00
0.00
0.00
3,097.89
3,113.38
3,128.95
3,144.59
3,160.32
3,176.12
3,192.00
3,207.96
3,224.00
3,240.12
3,256.32
3,272.60
3,288.96
3,305.41
3,321.93
3,338.54
3,355.24
3,372.01
3,388.87
3,405.82
3,422.85
3,439.96
3,457.16
3,474.45
3,491.82
3,509.28
3,526.82
3,544.46
3,562.18
3,579.99

Cap. Vivo

100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
96,902.11
93,788.73
90,659.78
87,515.19
84,354.87
81,178.75
77,986.75
74,778.80
71,554.80
68,314.68
65,058.36
61,785.76
58,496.80
55,191.39
51,869.46
48,530.91
45,175.67
41,803.66
38,414.79
35,008.97
31,586.12
28,146.16
24,689.00
21,214.55
17,722.73
14,213.46
10,686.63
7,142.17
3,579.99
0.00

tomtico (con carencia)

Prstamo Francs

36
0.5000%
6.1678%

Cap. Amortizado

0.00
0.00
0.00
0.00
0.00
0.00
3,097.89
6,211.27
9,340.22
12,484.81
15,645.13
18,821.25
22,013.25
25,221.20
28,445.20
31,685.32
34,941.64
38,214.24
41,503.20
44,808.61
48,130.54
51,469.09
54,824.33
58,196.34
61,585.21
64,991.03
68,413.88
71,853.84
75,311.00
78,785.45
82,277.27
85,786.54
89,313.37
92,857.83
96,420.01
100,000.00

La Macro que calcula este Cuadro de

Amortizacin no se lanza pulsando un botn
como en los casos anteriores. Para lanzar la
Macro simplemente se ha de poner el nmero de
aos en la celda D6.
Durante los meses de carencia nicamente se
pagan los intereses devengados cada mes.
Private Sub Worksheet_Change(ByVal Target As Range)
If Target.Address = "$D$6" Then
Call mCuadro
End If
End Sub

AutoCuadro.xls

Cuadro de Amortizacin Automtico (con carencia)

Principal
Tasa Nominal
Aos Totales
Meses de carencia

Mes
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

Mensualidad

500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
7,642.86
7,607.14
7,571.43
7,535.71
7,500.00
7,464.29
7,428.57
7,392.86
7,357.14
7,321.43
7,285.71
7,250.00
7,214.29
7,178.57

100,000.00
6.00%
2
10
Cuota Intereses

500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
464.29
428.57
392.86
357.14
321.43
285.71
250.00
214.29
178.57
142.86
107.14
71.43
35.71

Meses Totales
Efectivo mensual
Efectivo anual (TAE)

C. Amortizacin

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86
7,142.86

Cap. Vivo

100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
92,857.14
85,714.29
78,571.43
71,428.57
64,285.71
57,142.86
50,000.00
42,857.14
35,714.29
28,571.43
21,428.57
14,285.71
7,142.86
-0.00

tomtico (con carencia)

Prstamo Francs

24
0.5000%
6.1678%

Cap. Amortizado

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7,142.86
14,285.71
21,428.57
28,571.43
35,714.29
42,857.14
50,000.00
57,142.86
64,285.71
71,428.57
78,571.43
85,714.29
92,857.14
100,000.00

La Macro que calcula este Cuadro de

Amortizacin no se lanza pulsando un botn
como en los casos anteriores. Para lanzar la
Macro simplemente se ha de poner el nmero de
aos en la celda D6.
Durante los meses de carencia nicamente se
pagan los intereses devengados cada mes.
Private Sub Worksheet_Change(ByVal Target As Range)
If Target.Address = "$D$6" Then
Call mCuadro
End If
End Sub

Un prstamo amortizado por el mtodo italiano es

tambin conocido como sistema de amortizacin
de cuota de amortizacin constante.