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

1.000% tasa de inters mensual

N = 60
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
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00

inters
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00

monto

amort
$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
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

cuota
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00

Pgina 1 de 8

$100,000,000

final
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00

Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00

$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00

3.00% tasa de inters mensual

$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

$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00
$1,000,000.00

monto

$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00
$100,000,000.00

1,000.00

12 numero de periodos
Un prstamo a 12 meses, al 3% efectivo mensual vencido pagadero a 12 meses con cuotas que se duplican cada

Pgina 2 de 8

Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez
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 3 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 4 de 8

Diplomado en Evaluacin Financiera de Proyectos

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

sos, con cuota fija a

Pgina 5 de 8

Diplomado en Evaluacin Financiera de Proyectos

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

Pgina 6 de 8

Diplomado en Evaluacin Financiera de Proyectos

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

Pgina 7 de 8

Diplomado en Evaluacin Financiera de Proyectos

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

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