Tablas Saldos Insolutos

TASA SALDOS INSOLUTOS
DATOS INICIALES
CRDITO
FRECUENCIA DE LOS PAGOS
NMERO DE PAGOS TRIMESTRALES
TASA DE INTERS GLOBAL POR TRIMESTRE
TASA DE INTERS GLOBAL ANUAL
PERIODO DE PAGOS EN EL AO (p)
3,500,000
trimestral
20
5.00%
20.00%
4
CLCULO DEL PAGO DE UN CRDITO

MTODO: SALDOS GLOBALES
capital
*PERIODO DE PAGOS EN EL AO (p)
Crdito
Tasa interes proporcional
Pago mensual de Intereses
Plazo del crdito en trimestres+1
Pago intereses en total plazo
Pagos totales por efectuar
Crdito
Pago intereses en total plazo
Total a pagar
Clculo del pago trimestral
Pagos totales por efectuar
Plazo del crdito en trimestres
Pago mensual
*
=
*
=
3,500,000
4
875,000
5.00%
43750
21
918,750
3,500,000
918,750
4,418,750
4,418,750
20
220,938
4
218750
TABLA DE AMORTIZACIN SALDOS INSOLUTOS

trimestre
1
2
3
4
5
6
7
8
9
Capital
3,500,000
3,360,633
3,218,017
3,072,078
2,922,737
2,769,916
2,613,534
2,453,507
2,289,750
Pago
trimestral
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
Intereses
81,570
78,322
74,998
71,597
68,117
64,555
60,910
57,181
53,364
Pago Capital
139,367
142,615
145,939
149,340
152,821
156,383
160,027
163,757
167,573
Nuevo saldo
3,360,633
3,218,017
3,072,078
2,922,737
2,769,916
2,613,534
2,453,507
2,289,750
2,122,177
10
11
12
13
14
15
16
17
18
19
20
2,122,177
1,950,698
1,775,223
1,595,659
1,411,909
1,223,877
1,031,463
834,565
633,077
426,894
215,906
TOTAL
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
4,418,750
49,459
45,462
41,373
37,188
32,906
28,523
24,039
19,450
14,754
9,949
5,032
918,750
171,479
175,475
179,565
183,749
188,032
192,414
196,898
201,487
206,183
210,988
215,906
3,500,000
CLCULO DEL CAT (COSTO ANUAL TOTAL)

CAT del crdito NETO
a) Crdito libre de comisiones
b) Pago del crdito, intereses, gastos de aministracin, excluye IVA)
CLCULO DEL CAT
A.- MTODO: INVERSIN DE LOS PAGOS A

TASA DE INTERS COMPUESTA
Meses
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Pagos que se
Reinvierten
Tasa Inters
Mensual
Meses
Inversin
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
2.33%
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5
4
3
2
1
Saldo Inversin
a fin de periodo
$350,250
$342,273
$334,477
$326,860
$319,416
$312,141
$305,032
$298,085
$291,296
$284,662
$278,178
$271,843
$265,652
$259,602
$253,689
$247,911
$242,265
$236,748
$231,356
$226,087
1,950,698
1,775,223
1,595,659
1,411,909
1,223,877
1,031,463
834,565
633,077
426,894
215,906
0
21
2.33%
TOTAL PAGOS + INTERESES EN EL AO
$0
$3,714,511
* Todos los pagos quincenales se invierten a la misma tasa

de inters del crdito. Al final del periodo, el saldo ser:
* ElCrdito otorgado fue de:
$3,714,511
$3,500,000
CAT: Rendimiento de los pagos invertidos
6.1%
C.- CLCULO DEL CAT UTILIZANDO

LA TASA DE INTERS DEL CRDITO
CAT = ( (1+i/p)^p)-1
i = tasa de inters anual o TIR
p = periodo de pagos en el ao
9.7%
TASAS DE INTERS EQUIVALENTES

CRDITO
TASA INTERS GLOBAL X MES
PAGO MENSUAL
TASA DE INTERS
TASA INTERS TRIMESTRAL
TASA INTERS ANUAL
SALDO GLOBAL
5.0%
20.0%
SALDOS INSOLUTOS
2.33%
9.3%
TABLA AMORTIZACIN: SALDOS GLOBALES

Pago
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
TOTAL PAGADO
Menos Crdito
Intereses pagados
Saldo:Capital
Pago TRIMESTRE
Saldo Final de
+ Intereses
Capital + Intereses
Perodo
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
4,418,750
4,197,813
3,976,875
3,755,938
3,535,000
3,314,063
3,093,125
2,872,188
2,651,250
2,430,313
2,209,375
1,988,438
1,767,500
1,546,563
1,325,625
1,104,688
883,750
662,813
441,875
220,938
0
4,418,750
4,197,813
3,976,875
3,755,938
3,535,000
3,314,063
3,093,125
2,872,188
2,651,250
2,430,313
2,209,375
1,988,438
1,767,500
1,546,563
1,325,625
1,104,688
883,750
662,813
441,875
220,938
3,500,000
918,750
VALOR PRESENTE DE LOS PAGOS

Mes
Pago
Tasa Descuento
1
220,938
2.3%
2
220,938
2.3%
Pago: Valor presente

215,906
210,988
3
4
5
6
7
8
9
10
11
12
13
14
15
16
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
2.3%
206,183
201,487
196,898
192,414
188,032
183,749
179,565
175,475
171,479
167,573
163,757
160,027
156,383
152,821
17
18
19
20
220,938
220,938
220,938
220,938
4,418,750
2.3%
2.3%
2.3%
2.3%
149,340
145,939
142,615
139,367
3,500,000
TOTAL
B) CAT:Valor presente de los pagos utilizando frmula del CAT.
MES
(t)
PAGO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
220,938
Tasa Inters
Mensual
Anual
Valor Presente Pago
2.33%
9.3%
215,906
210,988
206,183
201,487
196,898
192,414
188,032
183,749
179,565
175,475
171,479
167,573
163,757
160,027
156,383
152,821
149,340
145,939
19
20
220,938
220,938
TOTAL
142,615
139,367
3,500,000
Donde
PAGO = pago fijo del crdito sobre saldos insolutos
p = periodo de pagos en el ao = 12
t = nmero de pago secuencial del crdito
Valor Presente de cada Pago utilizando la Tasa de Inters
= PAGO / (1+i/p)^t
Valor Presente de cada Pago utilizando el CAT (Anual)
= PAGO/(1+CAT)^(t/p)
3,500,000
5.0%
220,938
CAT
9.7%
rmula del CAT.

CAT
10%
Pagos CAT
$215,906
$210,988
$206,183
$201,487
$196,898
$192,414
$188,032
$183,749
$179,565
$175,475
$171,479
$167,573
$163,757
$160,027
$156,383
$152,821
$149,340
$145,939
$142,615
$139,367
3,500,000 ###
Para simulaciones, modificar tasa de inters anual en rojo

FRECUENCIA DE LOS PAGOS
PERODO DE PAGOS EN EL AO
TASA INTERS MENSUAL
CAT
ANUAL
1
60.0%
60.0%
MENSUAL
12
5.0%
79.6%
QUINCENAL
24
2.5%
80.9%
CAT = ( (1+i/p)^p)-1
p = periodo de pagos en el ao
de inters anual en rojo

CATORCENAL MENSUAL
26
52
2.3%
1.2%
81.0%
81.6%
TABLA DE AMORTIZACIN CON PAGOS MENSUALES

Variables de la Tabla: Pago Mensual, Tasa de Inters, Crdito, nmero de pagos mensuales.
Llenar los nmeros que aparecen en recuadro de color
El clculo de la incgnita aparece en rojo

MTODO: SALDOS INSOLUTOS
INCGNITA: PAGO MENSUAL
Frecuencia pagos quincenales
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero de pagos
Pago mensual
CAT
Mes
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
$3,500,000
4
1.7%
20.0%
5.0%
20
C
p=periodos de pago en el ao
i mes
i = tasa inters anual
i/p = tasa de inters por periodo
-$280,849.06
21.6%
Capital
Intereses
3,500,000
175,000
3,394,151
169,708
3,283,009
164,150
3,166,311
158,316
3,043,777
152,189
2,915,117
145,756
2,780,024
139,001
2,638,176
131,909
2,489,236
124,462
2,332,849
116,642
2,168,642
108,432
1,996,225
99,811
1,815,187
90,759
1,625,098
81,255
1,425,503
71,275
1,215,929
60,796
995,877
49,794
764,822
38,241
522,214
26,111
267,475
13,374
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Pago mes
Pago Capital
-280,849.06
105,849
-280,849.06
111,142
-280,849.06
116,699
-280,849.06
122,534
-280,849.06
128,660
-280,849.06
135,093
-280,849.06
141,848
-280,849.06
148,940
-280,849.06
156,387
-280,849.06
164,207
-280,849.06
172,417
-280,849.06
181,038
-280,849.06
190,090
-280,849.06
199,594
-280,849.06
209,574
-280,849.06
220,053
-280,849.06
231,055
-280,849.06
242,608
-280,849.06
254,738
-280,849.06
267,475
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,116,981
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-5,616,981
0
0
0
0
0
0
0
0
3,500,000
mero de pagos mensuales.

INCGNITA: TASA DE INTERS
o en el ao
s por periodo
Nuevo saldo
3,394,151
3,283,009
3,166,311
3,043,777
2,915,117
2,780,024
2,638,176
2,489,236
2,332,849
2,168,642
1,996,225
1,815,187
1,625,098
1,425,503
1,215,929
995,877
764,822
522,214
267,475
0
0
0
0
0
0
0
0
0
Crdito
$3,500,000
4
1.7%
20.0%
5.0%
Nmero de pagos
20
Pago mensual
$175,000.00
CAT
21.6%
Mes
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
C
n
i=t/n
t = tasa inters anual
i/p = tasa de inters por per
Pmt
Capital
Intereses
Pago mes
3,500,000
175,000 175,000.00
3,150,000
52,500 175,000.00
2,922,500
48,708 175,000.00
2,698,792
44,980 175,000.00
2,478,812
41,314 175,000.00
2,262,498
37,708 175,000.00
2,049,790
34,163 175,000.00
1,840,627
30,677 175,000.00
1,634,950
27,249 175,000.00
1,432,701
23,878 175,000.00
1,233,822
20,564 175,000.00
1,038,258
17,304 175,000.00
845,954
14,099 175,000.00
656,855
10,948 175,000.00
470,907
7,848 175,000.00
288,059
4,801 175,000.00
108,258
1,804 175,000.00
-68,546
-1,142 175,000.00
-242,404
-4,040 175,000.00
-413,364
-6,889 175,000.00
-581,474
-9,691
0.00
-571,783
-9,530
0.00
-581,313
-9,689
0.00
-591,002
-9,850
0.00
-600,852
-10,014
0.00
-610,866
-10,181
0.00
-621,047
-10,351
0.00
-631,398
-10,523
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
-641,921
-652,620
-663,497
-674,555
-685,797
-697,227
-708,848
-720,662
-10,699
-10,877
-11,058
-11,243
-11,430
-11,620
-11,814
-12,011
410,893
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3,500,000

INCGNITA: CRDITO
tasa inters por periodo

tasa inters anual
= tasa de inters por periodo
Pago Capital Nuevo saldo

350,000
3,150,000
227,500
2,922,500
223,708
2,698,792
219,980
2,478,812
216,314
2,262,498
212,708
2,049,790
209,163
1,840,627
205,677
1,634,950
202,249
1,432,701
198,878
1,233,822
195,564
1,038,258
192,304
845,954
189,099
656,855
185,948
470,907
182,848
288,059
179,801
108,258
176,804
-68,546
173,858
-242,404
170,960
-413,364
168,111
-581,474
-9,691
-571,783
9,530
-581,313
9,689
-591,002
9,850
-600,852
10,014
-610,866
10,181
-621,047
10,351
-631,398
10,523
-641,921
Crdito
Nmero pagos mensuales
Pago mensual
CAT
Mes
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
$3,500,000
4
1.7%
20%
5.0%
20
-$107.15
21.6%
Capital
Intereses
3,500,000
58,333
3,558,226
59,304
3,617,423
60,290
3,677,606
61,293
3,738,792
62,313
3,800,998
63,350
3,864,241
64,404
3,928,538
65,476
3,993,907
66,565
4,060,365
67,673
4,127,930
68,799
4,196,622
69,944
4,266,458
71,108
4,337,459
72,291
4,409,643
73,494
4,483,030
74,717
4,557,640
75,961
4,633,493
77,225
4,710,611
78,510
4,789,014
79,817
4,868,724
81,145
4,949,869
82,498
5,032,367
83,873
5,116,240
85,271
5,201,510
86,692
5,288,202
88,137
5,376,339
89,606
5,465,944
91,099
10,699
10,877
11,058
11,243
11,430
11,620
11,814
12,011
4,232,673
-652,620
-663,497
-674,555
-685,797
-697,227
-708,848
-720,662
-732,673
29
30
31
32
33
34
35
36
TOTAL
5,557,043
5,649,661
5,743,822
5,839,552
5,936,878
6,035,826
6,136,423
6,238,697
92,617
94,161
95,730
97,326
98,948
100,597
102,274
103,978
2,844,818
UN CRDITO
CLCULO DEL PAGO DE UN CRD

INCGNITA: NMERO DE PAGOS
C
n
i=t/n
n
P
Pago mes
-107.15
-58,226
3,558,226
-107.15
-59,197
3,617,423
-107.15
-60,183
3,677,606
-107.15
-61,186
3,738,792
-107.15
-62,206
3,800,998
-107.15
-63,243
3,864,241
-107.15
-64,297
3,928,538
-107.15
-65,368
3,993,907
-107.15
-66,458
4,060,365
-107.15
-67,566
4,127,930
-107.15
-68,692
4,196,622
-107.15
-69,837
4,266,458
-107.15
-71,000
4,337,459
-107.15
-72,184
4,409,643
-107.15
-73,387
4,483,030
-107.15
-74,610
4,557,640
-107.15
-75,854
4,633,493
-107.15
-77,118
4,710,611
-107.15
-78,403
4,789,014
-107.15
-79,710
4,868,724
0.00
-81,145
4,949,869
0.00
-82,498
5,032,367
0.00
-83,873
5,116,240
0.00
-85,271
5,201,510
0.00
-86,692
5,288,202
0.00
-88,137
5,376,339
0.00
-89,606
5,465,944
0.00
-91,099
5,557,043
Crdito
Nmero de pagos
Pago mensual
CAT
Mes
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
3,500,000
3,733,333
3,970,556
4,211,731
4,456,927
4,706,209
4,959,646
5,217,307
5,479,262
5,745,583
6,016,343
6,291,615
6,571,475
6,856,000
7,145,266
7,439,354
7,738,343
8,042,316
8,351,354
8,665,544
8,984,969
9,134,719
9,286,964
9,441,747
9,599,109
9,759,095
9,921,746
10,087,109
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-2,143
-92,617
-94,161
-95,730
-97,326
-98,948
-100,597
-102,274
-103,978
-2,842,675
5,649,661
5,743,822
5,839,552
5,936,878
6,035,826
6,136,423
6,238,697
6,342,675
29
30
31
32
33
34
35
36
TOTAL
10,255,227
10,426,147
10,599,917
10,776,582
10,956,192
11,138,795
11,324,441
11,513,182
L PAGO DE UN CRDITO
DOS INSOLUTOS
MERO DE PAGOS
TIZACIN
$3,500,000
4
1.7%
20%
5.0%
20.00
$175,000.00
21.6%
C
n
i=t/n
n
P
Intereses
Pago mes
58,333 175,000.00
-233,333
3,733,333
62,222 175,000.00
-237,222
3,970,556
66,176 175,000.00
-241,176
4,211,731
70,196 175,000.00
-245,196
4,456,927
74,282 175,000.00
-249,282
4,706,209
78,437 175,000.00
-253,437
4,959,646
82,661 175,000.00
-257,661
5,217,307
86,955 175,000.00
-261,955
5,479,262
91,321 175,000.00
-266,321
5,745,583
95,760 175,000.00
-270,760
6,016,343
100,272 175,000.00
-275,272
6,291,615
104,860 175,000.00
-279,860
6,571,475
109,525 175,000.00
-284,525
6,856,000
114,267 175,000.00
-289,267
7,145,266
119,088 175,000.00
-294,088
7,439,354
123,989 175,000.00
-298,989
7,738,343
128,972 175,000.00
-303,972
8,042,316
134,039 175,000.00
-309,039
8,351,354
139,189 175,000.00
-314,189
8,665,544
144,426 175,000.00
-319,426
8,984,969
149,749
0.00
-149,749
9,134,719
152,245
0.00
-152,245
9,286,964
154,783
0.00
-154,783
9,441,747
157,362
0.00
-157,362
9,599,109
159,985
0.00
-159,985
9,759,095
162,652
0.00
-162,652
9,921,746
165,362
0.00
-165,362 10,087,109
168,118
0.00
-168,118 10,255,227
170,920
173,769
176,665
179,610
182,603
185,647
188,741
191,886
4,705,068
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3,500,000
-170,920
-173,769
-176,665
-179,610
-182,603
-185,647
-188,741
-191,886
-8,205,068
10,426,147
10,599,917
10,776,582
10,956,192
11,138,795
11,324,441
11,513,182
11,705,068
TABLA DE AMORTIZACIN CON PAGOS QUINCENALES

Variables de la Tabla: Pago Quincenal, Tasa de Inters, Crdito, nmero de pagos mensuales.
Llenar los nmeros que aparecen en el cuadro de color

INCGNITA: PAGO QUINCENAL
Frecuencia pagos quincenales
Crdito
Nmero de pagos
Pago quincenal
CAT
Nmero pago
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
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
C
i mes
Pmt
Pago Total
Pago Capital
-41.11
36
-41.11
36
-41.11
36
-41.11
37
-41.11
37
-41.11
37
-41.11
37
-41.11
37
-41.11
38
-41.11
38
-41.11
38
-41.11
38
-41.11
38
-41.11
39
-41.11
39
-41.11
39
-41.11
39
-41.11
39
-41.11
40
-41.11
40
-41.11
40
-41.11
40
-41.11
40
-41.11
41
-41.11
41
-41.11
41
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
0
0
1,000
mero de pagos mensuales.

Crdito
Nmero de pagos
Pago quincenal
CAT
o en el ao
s por periodo
Nuevo saldo
Nmero pago Capital
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
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
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
C
n
i=t/n
i/p = tasa de inters por p
Pmt
Pago Total
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
0.00
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069

INCGNITA: CRDITO

tasa inters anual

36
964
36
928
36
891
37
854
37
818
37
781
37
743
37
706
38
668
38
631
38
593
38
555
38
516
39
478
39
439
39
400
39
361
39
322
40
282
40
242
40
203
40
162
40
122
40
82
41
41
41
0
0
0
0
0
Crdito
Nmero pagos
Pago mensual
CAT
Nmero pago Capital
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
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
UN CRDITO

C
n
i=t/n
n
P
Pago Total
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
Crdito
Nmero de pagos
Pago mensual
CAT
Nmero pago Capital
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
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
L PAGO DE UN CRDITO
DOS INSOLUTOS
MERO DE PAGOS
TIZACIN
$1,000
24
1.0%
12.0%
0.5%
26.00
-$41.11
12.7%
Intereses
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

Variables de la Tabla: Pago Catorcenal, Tasa de Inters, Crdito, nmero de pagos mensuales.

INCGNITA: PAGO CATORCENAL
Frecuencia pagos catorcenales
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
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
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
C
i mes
Pmt
Pago Total
Pago Capital
-62.99
40
-62.99
41
-62.99
42
-62.99
43
-62.99
44
-62.99
45
-62.99
46
-62.99
47
-62.99
48
-62.99
49
-62.99
50
-62.99
51
-62.99
52
-62.99
54
-62.99
55
-62.99
56
-62.99
57
-62.99
59
-62.99
60
-62.99
62
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
0
0
1,000
nmero de pagos mensuales.

Crdito
Nmero de pagos
Pago por perodo
CAT
o en el ao
s por periodo
Nuevo saldo
Nmero pago Capital
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
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
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
C
n
i=t/n
Pmt
Pago Total
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,260

INCGNITA: CRDITO

tasa inters anual

40
960
41
919
42
877
43
835
44
791
45
746
46
701
47
654
48
606
49
557
50
507
51
455
52
403
54
349
55
294
56
238
57
181
59
122
60
62
62
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Crdito
Nmero pagos
Pago por perodo
CAT
Nmero pago Capital
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
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
878
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
UN CRDITO

C
n
i=t/n
n
P
Pago Total
-62.99
40
960
-62.99
41
919
-62.99
42
878
-62.99
43
835
-62.99
44
791
-62.99
45
746
-62.99
46
701
-62.99
47
654
-62.99
48
606
-62.99
49
557
-62.99
50
507
-62.99
51
455
-62.99
52
403
-62.99
54
349
-62.99
55
294
-62.99
56
238
-62.99
57
181
-62.99
59
122
-62.99
60
62
-62.99
62
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
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
1,000
964
927
891
854
817
780
742
705
667
629
591
553
515
476
437
399
359
320
281
241
201
161
121
81
40
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
L PAGO DE UN CRDITO
DOS INSOLUTOS
MERO DE PAGOS
TIZACIN
$1,000
26
1.0%
12.0%
0.5%
26
-$40.92
12.7%
Intereses
5
4
4
4
4
4
4
3
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
1
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-40.92
36
964
-40.92
36
927
-40.92
37
891
-40.92
37
854
-40.92
37
817
-40.92
37
780
-40.92
37
742
-40.92
37
705
-40.92
38
667
-40.92
38
629
-40.92
38
591
-40.92
38
553
-40.92
38
515
-40.92
39
476
-40.92
39
437
-40.92
39
399
-40.92
39
359
-40.92
39
320
-40.92
39
281
-40.92
40
241
-40.92
40
201
-40.92
40
161
-40.92
40
121
-40.92
40
81
-40.92
41
40
-40.92
41
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,064
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

Variables de la Tabla: Pago Catorcenal, Tasa de Inters, Crdito, nmero de pagos mensuales.

INCGNITA: PAGO CATORCENAL
Frecuencia pagos catorcenales
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
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
3,500,000
3,394,151
3,283,009
3,166,311
3,043,777
2,915,117
2,780,024
2,638,176
2,489,236
2,332,849
2,168,642
1,996,225
1,815,187
1,625,098
1,425,503
1,215,929
995,877
764,822
522,214
267,475
0
0
0
0
0
0
0
0
$3,500,000
4
1.7%
20.0%
5.0%
20
-$280,849.06
C
i mes
Pmt
21.6%
Intereses
175,000
169,708
164,150
158,316
152,189
145,756
139,001
131,909
124,462
116,642
108,432
99,811
90,759
81,255
71,275
60,796
49,794
38,241
26,111
13,374
0
0
0
0
0
0
0
0
Pago Total
Pago Capital
-280,849.06
105,849
-280,849.06
111,142
-280,849.06
116,699
-280,849.06
122,534
-280,849.06
128,660
-280,849.06
135,093
-280,849.06
141,848
-280,849.06
148,940
-280,849.06
156,387
-280,849.06
164,207
-280,849.06
172,417
-280,849.06
181,038
-280,849.06
190,090
-280,849.06
199,594
-280,849.06
209,574
-280,849.06
220,053
-280,849.06
231,055
-280,849.06
242,608
-280,849.06
254,738
-280,849.06
267,475
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
###
0
0
0
0
0
0
0
0
3,500,000
nmero de pagos mensuales.

o en el ao
s por periodo
Nuevo saldo
3,394,151
3,283,009
3,166,311
3,043,777
2,915,117
2,780,024
2,638,176
2,489,236
2,332,849
2,168,642
1,996,225
1,815,187
1,625,098
1,425,503
1,215,929
995,877
764,822
522,214
267,475
0
0
0
0
0
0
0
0
0
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
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
$1,000
52
-19.5%
-233.7%
-4.5%
22
-$25.68
-90.8%
Intereses
1,000
929
862
798
736
677
621
568
516
467
421
376
334
293
254
217
182
148
115
85
55
27
0
0
0
0
0
0
-45
-42
-39
-36
-33
-30
-28
-26
-23
-21
-19
-17
-15
-13
-11
-10
-8
-7
-5
-4
-2
-1
0
0
0
0
0
0
C
n
i=t/n
Pmt
Pago Total
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-564.96

INCGNITA: CRDITO

tasa inters anual

71
929
67
862
64
798
62
736
59
677
56
621
54
568
51
516
49
467
47
421
45
376
43
334
41
293
39
254
37
217
35
182
34
148
32
115
31
85
29
55
28
27
27
0
0
0
0
0
0
0
0
0
0
0
0
0
Crdito
Nmero pagos
Pago por perodo
CAT
Nmero pago Capital
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
350,000
367,500
385,875
405,169
425,427
446,699
469,033
492,485
517,109
542,965
570,113
598,619
628,550
659,977
692,976
727,625
764,006
802,206
842,317
884,433
928,654
975,087
1,023,841
1,075,033
1,128,785
1,185,224
1,244,485
1,306,710
$350,000
4
1.7%
20.0%
5.0%
20
$0.00
21.6%
Intereses
17,500
18,375
19,294
20,258
21,271
22,335
23,452
24,624
25,855
27,148
28,506
29,931
31,427
32,999
34,649
36,381
38,200
40,110
42,116
44,222
46,433
48,754
51,192
53,752
56,439
59,261
62,224
65,335
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
1,372,045
1,440,647
1,512,680
1,588,314
1,667,730
1,751,116
1,838,672
1,930,605
68,602
72,032
75,634
79,416
83,386
87,556
91,934
96,530
0
UN CRDITO

C
n
i=t/n
n
P
Pago Total
0.00
-17,500
367,500
0.00
-18,375
385,875
0.00
-19,294
405,169
0.00
-20,258
425,427
0.00
-21,271
446,699
0.00
-22,335
469,033
0.00
-23,452
492,485
0.00
-24,624
517,109
0.00
-25,855
542,965
0.00
-27,148
570,113
0.00
-28,506
598,619
0.00
-29,931
628,550
0.00
-31,427
659,977
0.00
-32,999
692,976
0.00
-34,649
727,625
0.00
-36,381
764,006
0.00
-38,200
802,206
0.00
-40,110
842,317
0.00
-42,116
884,433
0.00
-44,222
928,654
0.00
-46,433
975,087
0.00
-48,754
1,023,841
0.00
-51,192
1,075,033
0.00
-53,752
1,128,785
0.00
-56,439
1,185,224
0.00
-59,261
1,244,485
0.00
-62,224
1,306,710
0.00
-65,335
1,372,045
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
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
516
496
476
456
436
415
394
373
352
330
308
286
264
241
218
195
172
148
124
100
75
50
25
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-68,602
-72,032
-75,634
-79,416
-83,386
-87,556
-91,934
-96,530
-1,677,136
1,440,647
1,512,680
1,588,314
1,667,730
1,751,116
1,838,672
1,930,605
2,027,136
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
L PAGO DE UN CRDITO
DOS INSOLUTOS
MERO DE PAGOS
TIZACIN
$516
52
5.0%
60.0%
1.2%
23
-$25.68
81.6%
Intereses
6
6
5
5
5
5
5
4
4
4
4
3
3
3
3
2
2
2
1
1
1
1
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-25.68
20
496
-25.68
20
476
-25.68
20
456
-25.68
20
436
-25.68
21
415
-25.68
21
394
-25.68
21
373
-25.68
21
352
-25.68
22
330
-25.68
22
308
-25.68
22
286
-25.68
22
264
-25.68
23
241
-25.68
23
218
-25.68
23
195
-25.68
23
172
-25.68
24
148
-25.68
24
124
-25.68
24
100
-25.68
25
75
-25.68
25
50
-25.68
25
25
-25.68
25
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-590.64
0
0
0
0
0
0
0
0
516
0
0
0
0
0
0
0
0
PAGOS FIJOS A CAPITAL

PERODOS DE PAGOS EN EL AO
MENSUAL
12
QUINCENAL
24
CATORCENAL
26
SEMANAL
52
El clculo del CAT deber hacerse con el simulador de Banxico en:

MTODO: PAGOS FIJOS DE CAPITAL
PAGOS MENSUALES
Crdito
Perodos de pago en ao
Tasa de inters periodo
Nmero pagos del crdito
Pago fijo capital por periodo
Mes
Capital
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
1,000
917
833
750
667
583
500
417
333
250
167
83
0
0
0
0
0
0
0
0
0
0
0
0
0
$1,000
12
8.1%
97.1%
8.1%
12
$83.33
C
i=t/n
n
Pago Capital Intereses

83.33
83.33
83.33
83.33
83.33
83.33
83.33
83.33
83.33
83.33
83.33
83.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
81
74
67
61
54
47
40
34
27
20
13
7
0
0
0
0
0
0
0
0
0
0
0
0
0
Pago mes
164.25
157.51
150.76
144.02
137.28
130.53
123.79
117.05
110.31
103.56
96.82
90.08
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
526
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-525.96
http://www.banxico.org.mx/CAT/index.html

PAGOS QUINCENALES
inters por periodo
Saldo
916.67
833.33
750.00
666.67
583.33
500.00
416.67
333.33
250.00
166.67
83.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Crdito
Pago fijo capital por period
Mes
Capital
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
1,000
967
933
900
867
833
800
767
733
700
667
633
600
567
533
500
467
433
400
367
333
300
267
233
200
$1,000
24
8.0%
96.0%
4.0%
30
$33.33
Pago Capital
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
167
133
100
67
33
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
33.33
33.33
33.33
33.33
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
UN CRDITO
DE CAPITAL
C
i=t/n
n
Intereses
81
78
76
73
70
67
65
62
59
57
54
51
49
46
43
40
38
35
32
30
27
24
22
19
16
Pago mes
114.25
111.55
108.86
106.16
103.46
100.76
98.07
95.37
92.67
89.98
87.28
84.58
81.88
79.19
76.49
73.79
71.09
68.40
65.70
63.00
60.31
57.61
54.91
52.21
49.52
Saldo
966.67
933.33
900.00
866.67
833.33
800.00
766.67
733.33
700.00
666.67
633.33
600.00
566.67
533.33
500.00
466.67
433.33
400.00
366.67
333.33
300.00
266.67
233.33
200.00
166.67
13
11
8
5
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,254
46.82
44.12
41.43
38.73
36.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,254.21
133.33
100.00
66.67
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

PAGOS CATORCENALES
Crdito
Mes
Capital
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
1,000
964
929
893
857
821
786
750
714
679
643
607
571
536
500
464
429
393
357
321
286
250
214
179
143
$1,000
26
8.0%
96.0%
3.7%
28
$35.71
C
i=t/n
n
Pago Capital Intereses

Pago mes
35.71
81
116.63
35.71
78
113.74
35.71
75
110.85
35.71
72
107.96
35.71
69
105.07
35.71
66
102.18
35.71
64
99.29
35.71
61
96.40
35.71
58
93.51
35.71
55
90.62
35.71
52
87.73
35.71
49
84.84
35.71
46
81.95
35.71
43
79.06
35.71
40
76.17
35.71
38
73.28
35.71
35
70.39
35.71
32
67.50
35.71
29
64.61
35.71
26
61.72
35.71
23
58.83
35.71
20
55.94
35.71
17
53.05
35.71
14
50.16
35.71
12
47.27
Saldo
964.29
928.57
892.86
857.14
821.43
785.71
750.00
714.29
678.57
642.86
607.14
571.43
535.71
500.00
464.29
428.57
392.86
357.14
321.43
285.71
250.00
214.29
178.57
142.86
107.14
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
107
71
36
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
35.71
35.71
35.71
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
6
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,173
44.38
41.49
38.60
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,173.29
71.43
35.71
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

PAGOS SEMANALES
Crdito
Mes
Capital
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
1,000
978
956
933
911
889
867
844
822
800
778
756
733
711
689
667
644
622
600
578
556
533
511
489
467
$1,000
52
8.0%
96.0%
1.8%
45
$22.22
Pago Capital
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
444
422
400
378
356
333
311
289
267
244
222
200
178
156
133
111
89
67
44
22
0
0
0
0
0
0
0
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,000
E UN CRDITO
S DE CAPITAL
C
i=t/n
n
Intereses
81
79
77
76
74
72
70
68
67
65
63
61
59
58
56
54
52
50
49
47
45
43
41
40
38
Pago mes
103.14
101.34
99.54
97.74
95.95
94.15
92.35
90.55
88.75
86.96
85.16
83.36
81.56
79.76
77.96
76.17
74.37
72.57
70.77
68.97
67.18
65.38
63.58
61.78
59.98
Saldo
977.78
955.56
933.33
911.11
888.89
866.67
844.44
822.22
800.00
777.78
755.56
733.33
711.11
688.89
666.67
644.44
622.22
600.00
577.78
555.56
533.33
511.11
488.89
466.67
444.44
36
34
32
31
29
27
25
23
22
20
18
16
14
13
11
9
7
5
4
2
0
0
0
0
0
0
0
1,861
58.19
56.39
54.59
52.79
50.99
49.19
47.40
45.60
43.80
42.00
40.20
38.41
36.61
34.81
33.01
31.21
29.41
27.62
25.82
24.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-2,861.08
422.22
400.00
377.78
355.56
333.33
311.11
288.89
266.67
244.44
222.22
200.00
177.78
155.56
133.33
111.11
88.89
66.67
44.44
22.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tasa de Inters mensual

Tasa de Inters anual
Crdito
Meses
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Pago Mensual
$1,050.00
$537.80
$367.21
$282.01
$230.97
$197.02
$172.82
$154.72
$140.69
$129.50
$120.39
$112.83
$106.46
$101.02
$96.34
$92.27
$88.70
$85.55
$82.75
$80.24
$78.00
$75.97
$74.14
$72.47
5.0%
60.0%
1,000
1200
1000
800
600
400
200
Pago Mensual
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
23
24
Crdito
Pago Mensual
Corresponde a tasa mensual del 5%
para un crdito a 12 meses
Nmero pagos
Meses
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
1,000
-112.83
Tasa de Inters
Mensual
0.3%
2.3%
3.8%
5.0%
6.0%
6.8%
7.4%
8.0%
8.4%
8.8%
9.1%
9.4%
9.7%
9.9%
10.0%
10.2%
Tasa de Int
0.12
0.1
0.08
0.06
0.04
0.02
0
9
10
11
12
13
14
15
Tasa de Inters Mensual
11
12
13
14
15
16
17
18
19
20
21
22
23
24
CALIFICACIN DEL CRDITO

Nombre solicitante
POLTICA DE CRDITO
0-5
6-8
Arraigo Domiciliario
< 1 ao
1 a 2 aos
Estabilidad Laboral
Aos en empleo actual
< 1 ao
1 a 2 aos
< 1 ao
2 aos
Aos empleo anterior

Solvencia segn
Segn criterio con Agencia Calificadora
Estudio socioeconmico*
Pago este crdito / Ingresos
max 25% a 20%
<20% a 15%
Pago deudas / Ingresos
max 35% a 20%
<20% a 15%
Crdito / Garanta
max 50% - 40%
<40% -30%
Bur de Crdito
Segn reporte de Crdito
AVAL
Pago este crdito / Ingresos
max 25% a 20%
<20% a 15%
Crdito / Garanta
max 50% - 40%
<40% -30%
0-5
6-8
Rechazo
Comit
7.7
PROMEDIO
Facultades para aprobacin de Crdito

Calificacin
Nota: Las calificaciones se pueden ponderar para darle diferente peso especfico a cada concepto
9 - 10
Calificacin
> 2 aos
> 2 aos
> 2 aos
No aplica
gencia Calificadora
< 15%
< 15%
<30%
8
8
< 15%
<30%
x
7.7
9 - 10
Aprobacin
peso especfico a cada concepto

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TASA SALDOS INSOLUTOS

CLCULO DEL PAGO DE UN CRDITO

TABLA DE AMORTIZACIN SALDOS INSOLUTOS

CLCULO DEL CAT (COSTO ANUAL TOTAL)

A.- MTODO: INVERSIN DE LOS PAGOS A

TOTAL PAGOS + INTERESES EN EL AO

* Todos los pagos quincenales se invierten a la misma tasa

CAT: Rendimiento de los pagos invertidos

C.- CLCULO DEL CAT UTILIZANDO

TASAS DE INTERS EQUIVALENTES

TABLA AMORTIZACIN: SALDOS GLOBALES

VALOR PRESENTE DE LOS PAGOS

Pago: Valor presente

B) CAT:Valor presente de los pagos utilizando frmula del CAT.

rmula del CAT.

Para simulaciones, modificar tasa de inters anual en rojo

de inters anual en rojo

TABLA DE AMORTIZACIN CON PAGOS MENSUALES

CLCULO DEL PAGO DE UN CRDITO

mero de pagos mensuales.

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

tasa inters por periodo

Pago Capital Nuevo saldo

CLCULO DEL PAGO DE UN CRD

TABLA DE AMORTIZACIN CON PAGOS QUINCENALES

CLCULO DEL PAGO DE UN CRDITO

mero de pagos mensuales.

CLCULO DEL PAGO DE UN CRDITO

Nmero pago Capital

CLCULO DEL PAGO DE UN CRDITO

tasa inters por periodo

Pago Capital Nuevo saldo

CLCULO DEL PAGO DE UN CRD

TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

CLCULO DEL PAGO DE UN CRDITO

nmero de pagos mensuales.

CLCULO DEL PAGO DE UN CRDITO

Nmero pago Capital

CLCULO DEL PAGO DE UN CRDITO

tasa inters por periodo

Pago Capital Nuevo saldo

CLCULO DEL PAGO DE UN CRD

TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

CLCULO DEL PAGO DE UN CRDITO

nmero de pagos mensuales.

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

tasa inters por periodo

Pago Capital Nuevo saldo

CLCULO DEL PAGO DE UN CRD

PAGOS FIJOS A CAPITAL

CLCULO DEL PAGO DE UN CRDITO

Pago Capital Intereses

CLCULO DEL PAGO DE UN CRDITO

inters por periodo

CLCULO DEL PAGO DE UN CRDITO

Pago Capital Intereses

CLCULO DEL PAGO DE UN CRDITO

Tasa de Inters mensual

Tasa de Inters Mensual

CALIFICACIN DEL CRDITO

Aos empleo anterior