Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera

Conferencista: Luis Fernando Gmez

EJERCICIO DE TABLAS DE AMORTIZACION

Tabla de amortizacin para 12 periodos, con tasa de inters 1.95% mensual con prestamos de $ 10.000.000 de pesos, con cuota fija a
travs del tiempo.
LAS CELDAS DE COLOR AMARILLO (

) SON PARAMETROS

1.833% tasa de inters mensual

N = 36
periodos

inicial

monto

inters

amort

cuota

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

$59,000.00
$57,828.43
$56,635.38
$55,420.46
$54,183.26
$52,923.39
$51,640.41
$50,333.92
$49,003.47
$47,648.63
$46,268.95

$1,081.67
$1,060.19
$1,038.32
$1,016.04
$993.36
$970.26
$946.74
$922.79
$898.40
$873.56
$848.26

$1,171.57
$1,193.05
$1,214.92
$1,237.19
$1,259.88
$1,282.97
$1,306.50
$1,330.45
$1,354.84
$1,379.68
$1,404.97

$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24
$2,253.24

12

$44,863.98

$822.51

$1,430.73

$2,253.24

3.00% tasa de inters mensual

12 numero de periodos

$59,000

monto

final
$59,000.00
$57,828.43
$56,635.38
$55,420.46
$54,183.26
$52,923.39
$51,640.41
$50,333.92
$49,003.47
$47,648.63
$46,268.95
$44,863.98

43,433.25

1,000.00

Un prstamo a 12 meses, al 3% efectivo mensual vencido pagadero a 12 meses con cuotas que se duplican cada
mes. Recuerde que para la solucin de este ejercicio debe utilizar la funcin celda objetivo.

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

inicial
$1,000.00
$1,019.46
$1,039.50
$1,049.61
$1,060.01
$1,049.65
$1,038.98
$985.82
$931.07
$790.35
$645.41
$327.48

inters
$30.00
$30.58
$31.19
$31.49
$31.80
$31.49
$31.17
$29.57
$27.93
$23.71
$19.36
$9.82

amort

cuota

($19.46)
($20.04)
($10.10)
($10.41)
$10.36
$10.67
$53.16
$54.75
$140.72
$144.94
$317.94
$327.48

Pgina 1 de 8

$10.54
$10.54
$21.08
$21.08
$42.16
$42.16
$84.33
$84.33
$168.65
$168.65
$337.30
$337.30

final
$1,000.00
$1,019.46
$1,039.50
$1,049.61
$1,060.01
$1,049.65
$1,038.98
$985.82
$931.07
$790.35
$645.41
$327.48
$0.00

gradiente
0.00
0.00
1.00
0.00
1.00
0.00
1.00
0.00
1.00
0.00
1.00
0.00

Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez
RESUMEN DE INSTRUCCIONES:
Cuota = f(x) -> PAGO - > Introduzca: Inters, periodos, monto.
Pago de inters = monto * % inters.
Amortizacin: PAGO - Pago inters
Gradiente = % porcentaje en que varan las cuotas, recuerde que debe ir atado por una multiplicacin a la cuota.
PAGO *( 1+ PAGO)
No olvide que el saldo final de un periodo es el monto inicial del siguiente
BUSCAR OBJETIVO.
Definir celda: saldo final
Con valor: 0 (cero) COMO VALOR
Para Cambiar la celda: Cuota 1
Nota: Puede consultar en la pgina del diplomado, en la opcin Ejemplos y Ejercicios, el archivo Tabla de Amortizacin

Pgina 2 de 8

Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez

esos, con cuota fija a

Pgina 3 de 8

Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez

Pgina 4 de 8

EJERCICIO DE TABLAS DE AMORTIZACION

Tabla de amortizacin para 12 periodos, con tasa de inters 1.95% mensual con prestamos de $ 10.000.000 de pesos, con
travs del tiempo.
LAS CELDAS DE COLOR AMARILLO (

) SON PARAMETROS

1.92% tasa de inters mensual

N=
48
periodos
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
37
38
39
40
41

inicial
$200,000.00
$197,423.04
$194,796.69
$192,120.00
$189,392.00
$186,611.72
$183,778.15
$180,890.27
$177,947.04
$174,947.40
$171,890.26
$168,774.53
$165,599.08
$162,362.77
$159,064.43
$155,702.87
$152,276.88
$148,785.22
$145,226.65
$141,599.86
$137,903.57
$134,136.42
$130,297.08
$126,384.14
$122,396.21
$118,331.85
$114,189.58
$109,967.92
$105,665.34
$101,280.30
$96,811.21
$92,256.47
$87,614.42
$82,883.40
$78,061.71
$73,147.59
$68,139.30
$63,035.00
$57,832.88
$52,531.05
$47,127.60

inters
$3,833.33
$3,783.94
$3,733.60
$3,682.30
$3,630.01
$3,576.72
$3,522.41
$3,467.06
$3,410.65
$3,353.16
$3,294.56
$3,234.85
$3,173.98
$3,111.95
$3,048.73
$2,984.30
$2,918.64
$2,851.72
$2,783.51
$2,714.00
$2,643.15
$2,570.95
$2,497.36
$2,422.36
$2,345.93
$2,268.03
$2,188.63
$2,107.72
$2,025.25
$1,941.21
$1,855.55
$1,768.25
$1,679.28
$1,588.60
$1,496.18
$1,402.00
$1,306.00
$1,208.17
$1,108.46
$1,006.85
$903.28

monto

amort
$2,576.96
$2,626.35
$2,676.69
$2,727.99
$2,780.28
$2,833.57
$2,887.88
$2,943.23
$2,999.64
$3,057.14
$3,115.73
$3,175.45
$3,236.31
$3,298.34
$3,361.56
$3,425.99
$3,491.65
$3,558.58
$3,626.78
$3,696.30
$3,767.14
$3,839.35
$3,912.93
$3,987.93
$4,064.37
$4,142.27
$4,221.66
$4,302.58
$4,385.04
$4,469.09
$4,554.75
$4,642.05
$4,731.02
$4,821.70
$4,914.11
$5,008.30
$5,104.29
$5,202.12
$5,301.83
$5,403.45
$5,507.02

cuota
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29

$200

final
$200,000.00
$197,423.04
$194,796.69
$192,120.00
$189,392.00
$186,611.72
$183,778.15
$180,890.27
$177,947.04
$174,947.40
$171,890.26
$168,774.53
$165,599.08
$162,362.77
$159,064.43
$155,702.87
$152,276.88
$148,785.22
$145,226.65
$141,599.86
$137,903.57
$134,136.42
$130,297.08
$126,384.14
$122,396.21
$118,331.85
$114,189.58
$109,967.92
$105,665.34
$101,280.30
$96,811.21
$92,256.47
$87,614.42
$82,883.40
$78,061.71
$73,147.59
$68,139.30
$63,035.00
$57,832.88
$52,531.05
$47,127.60
$41,620.59

42
43
44
45
46
47
48

$41,620.59
$36,008.02
$30,287.88
$24,458.10
$18,516.59
$12,461.20
$6,289.74

$797.73
$690.15
$580.52
$468.78
$354.90
$238.84
$120.55

$5,612.57
$5,720.14
$5,829.78
$5,941.51
$6,055.39
$6,171.45
$6,289.74

$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29
$6,410.29

$36,008.02
$30,287.88
$24,458.10
$18,516.59
$12,461.20
$6,289.74
($0.00)

ON

0.000.000 de pesos, con cuota fija a