Capital P=

plazos n=
i=

120000
30
0.015

meses

I= P*i*n
I=
1800
1
2
Periodo
Capital base
1
120000
2
116000
3
112000
4
108000
5
104000
6
100000
7
96000
8
92000
9
88000
10
84000
11
80000
12
76000
13
72000
14
68000
15
64000
16
60000
17
56000
18
52000
19
48000
20
44000
21
40000
22
36000
23
32000
24
28000
25
24000
26
20000
27
16000
28
12000
29
8000
30
4000
suma total

3
Interes
1800
1740
1680
1620
1560
1500
1440
1380
1320
1260
1200
1140
1080
1020
960
900
840
780
720
660
600
540
480
420
360
300
240
180
120
60
27900

Capital cte=

4000

4
Capital cte
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
4000
120000

5
Cuota mnsual
5800
5740
5680
5620
5560
5500
5440
5380
5320
5260
5200
5140
5080
5020
4960
4900
4840
4780
4720
4660
4600
4540
4480
4420
4360
4300
4240
4180
4120
4060
147900

6
Deuda reducida capital

116000
112000
108000
104000
100000
96000
92000
88000
84000
80000
76000
72000
68000
64000
60000
56000
52000
48000
44000
40000
36000
32000
28000
24000
20000
16000
12000
8000
4000
0

cuota mensual fija=

tasa real de interes=

4930
0.00775

0.775

^
Capital P=
plazos n=
i=

6000000
12
3

1
Periodo
1
2
3
4
5
6
7
8
9
10
11
12
TOTAL

2
Capital base
6000000
5577227.49
5141771.80
4693252.44
4231277.50
3755443.31
3265334.10
2760521.61
2240564.74
1705009.17
1153386.94
585216.03

Capital P=
plazos n=
i=

480000
30
24

1
Periodo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

2
Capital base
480000
468168.04
456099.44
443789.46
431233.29
418425.99
405362.55
392037.84
378446.63
364583.60
350443.31
336020.21
321308.65
306302.86
290996.96
275384.94
259460.67
243217.92
226650.32

meses
0.03
3
Interes
180000
167316.825
154253.154
140797.573
126938.325
112663.299
97960.023
82815.6483
67216.9423
51150.2752
34601.6081
17556.481
1233270.15

meses
0.02
0.24
3
Interes
9600
9363.36075
9121.98871
8875.78923
8624.66576
8368.51982
8107.25096
7840.75673
7568.93261
7291.672
7008.86619
6720.40426
6426.17309
6126.0573
5819.93919
5507.69872
5189.21344
4864.35846
4533.00637

mensual
4
Anualidad
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
602772.51
7233270.15

anual
mensual
4
Anualidad
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96

20
21
22
23
24
25
26
27
28
29
30
TOTAL

209751.36
192514.43
174932.75
156999.44
138707.47
120049.66
101018.69
81607.10
61807.28
41611.46
21011.73

4195.02725
3850.28854
3498.65505
3139.9889
2774.14942
2400.99316
2020.37377
1632.14199
1236.14557
832.229232
420.234563
162958.88

21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
21431.96
642958.88

S= P(1+i)n
S= 8554565.32

5
Capital pagado
422772.51
435455.69
448519.36
461974.94
475834.19
490109.21
504812.49
519956.86
535555.57
551622.24
568170.90
585216.03
6000000.00

5
Capital pagado
11831.96
12068.60
12309.97
12556.17
12807.30
13063.44
13324.71
13591.21
13863.03
14140.29
14423.10
14711.56
15005.79
15305.91
15612.02
15924.26
16242.75
16567.60
16898.96

6
Deuda reducida capital

5577227.49
5141771.80
4693252.44
4231277.50
3755443.31
3265334.10
2760521.61
2240564.74
1705009.17
1153386.94
585216.03
0.00

6
Deuda reducida capital

468168.04
456099.44
443789.46
431233.29
418425.99
405362.55
392037.84
378446.63
364583.60
350443.31
336020.21
321308.65
306302.86
290996.96
275384.94
259460.67
243217.92
226650.32
209751.36

17236.94
17581.67
17933.31
18291.97
18657.81
19030.97
19411.59
19799.82
20195.82
20599.73
21011.73
480000.00

192514.43
174932.75
156999.44
138707.47
120049.66
101018.69
81607.10
61807.28
41611.46
21011.73
0.00