Está en la página 1de 36

Monto 6,000.

00
Tasa 14.00%
Plazo (Meses) 70
Cuotas Extraordinarias 0.00
Personas a Asegurar 1
Seguro de Daño 0.00
Mes del primer descuento 1

Cuota 131.00
Ingresos Requeridos 436.67
CUOTA COBIS #VALUE!
ANALISIS

CALCULO DE CUOTAS DE AMORTIZACION

PRESTAMO 6,000.00TASA DE INTERES 14.00%


EXCEDENTE DEL VALUO PLAZO EN MESES 70
PAGOS AL AÑO 12
DIFERENCIAL 1 DIA 2.30

AJUSTE CUOTA
CUOTAS EXTRAORDINARIAS 0.00
CUOTA CAPITAL + INTERESES 125.90
SEGUROS 2.50
VIDA 1 2.50
DAÑOS 0.00
IVA S/DAÑOS 0
TERRENO
VALOR CONST. 0.00
CUOTA TOTAL 130.70
INGRESOS REQUERIDOS 435.66
INGRESOS SOLIC. #1 SOLICIT. #2 FIADOR #1
SUELDO 5,000.00
OTROS
GASOLINA
AYIUDA FAMILIAR
SUBTOTALES 5,000.00 - -
TOTAL INGRESOS 5,000.00
30% 1,500.00
MENOS: SOLIC. #1 SOLIC. #2 SOLIC. #3
GASTOS DE VIDA 2,500.00
GASTOS DE VIDA
OBLIGACIONES COMERC.
PRESTAMOS
CUOTA 130.70
OTROS -
SUBTOTALES 2,630.70 - -
RENTA NETA 2,369.30 - #REF!

RELACION CUOTA/INGRESOS 2.6%


GARANTIA DEUDA -
DEUDA/ GARANTIA #DIV/0!
PRIMA/VENTA #VALUE!
3% S/V. VENTA -
1% POR SUPERVISION -
2% COMISION POR OTORG. -
IVA -

Página 2
BANCO CUSCATLAN
TABLA DE AMORTIZACION

MONTO 6,000.00
PLAZO EN MESES 70
TASA 14.00%
CUOTA MENSUAL 130.70
CUOTA EXTRAORDINARIA 0.00
PERSONAS ASEGURADAS 1

SEGUROS
Nº CUOTA VALOR CUOTA VIDA DAÑOS IVA CAPITAL INTERESES

1 130.70 2.75 0.00 0.00 57.95 70.00


2 130.70 2.72 0.00 0.00 58.65 69.32
3 130.70 2.69 0.00 0.00 59.37 68.64
4 130.70 2.67 0.00 0.00 60.08 67.95
5 130.70 2.64 0.00 0.00 60.81 67.25
6 130.70 2.61 0.00 0.00 61.55 66.54
7 130.70 2.58 0.00 0.00 62.30 65.82
8 130.70 2.56 0.00 0.00 63.05 65.09
9 130.70 2.53 0.00 0.00 63.82 64.36
10 130.70 2.50 0.00 0.00 64.59 63.61
11 130.70 2.47 0.00 0.00 65.37 62.86
12 130.70 2.44 0.00 0.00 66.17 62.10
13 130.70 2.41 0.00 0.00 66.97 61.32
14 130.70 2.38 0.00 0.00 67.78 60.54
15 130.70 2.35 0.00 0.00 68.60 59.75
16 130.70 2.31 0.00 0.00 69.43 58.95
17 130.70 2.28 0.00 0.00 70.28 58.14
18 130.70 2.25 0.00 0.00 71.13 57.32
19 130.70 2.22 0.00 0.00 71.99 56.49
20 130.70 2.18 0.00 0.00 72.86 55.65
21 130.70 2.15 0.00 0.00 73.75 54.80
22 130.70 2.12 0.00 0.00 74.64 53.94
23 130.70 2.08 0.00 0.00 75.55 53.07
24 130.70 2.05 0.00 0.00 76.46 52.19
25 130.70 2.01 0.00 0.00 77.39 51.30
26 130.70 1.98 0.00 0.00 78.33 50.39
27 130.70 1.94 0.00 0.00 79.28 49.48
28 130.70 1.91 0.00 0.00 80.24 48.55
29 130.70 1.87 0.00 0.00 81.21 47.62
30 130.70 1.83 0.00 0.00 82.20 46.67
31 130.70 1.79 0.00 0.00 83.19 45.71
32 130.70 1.76 0.00 0.00 84.20 44.74
33 130.70 1.72 0.00 0.00 85.22 43.76
34 130.70 1.68 0.00 0.00 86.26 42.77
35 130.70 1.64 0.00 0.00 87.30 41.76
36 130.70 1.60 0.00 0.00 88.36 40.74
37 130.70 1.56 0.00 0.00 89.43 39.71
38 130.70 1.52 0.00 0.00 90.52 38.67
39 130.70 1.48 0.00 0.00 91.61 37.61

Página 3
BANCO CUSCATLAN
TABLA DE AMORTIZACION

40 130.70 1.43 0.00 0.00 92.72 36.54


41 130.70 1.39 0.00 0.00 93.85 35.46
42 130.70 1.35 0.00 0.00 94.99 34.36
43 130.70 1.31 0.00 0.00 96.14 33.26
44 130.70 1.26 0.00 0.00 97.30 32.13
45 130.70 1.22 0.00 0.00 98.48 31.00
46 130.70 1.17 0.00 0.00 99.68 29.85
47 130.70 1.13 0.00 0.00 100.89 28.69
48 130.70 1.08 0.00 0.00 102.11 27.51
49 130.70 1.03 0.00 0.00 103.35 26.32
50 130.70 0.99 0.00 0.00 104.60 25.11
51 130.70 0.94 0.00 0.00 105.87 23.89
52 130.70 0.89 0.00 0.00 107.15 22.66
53 130.70 0.84 0.00 0.00 108.45 21.41
54 130.70 0.79 0.00 0.00 109.77 20.14
55 130.70 0.74 0.00 0.00 111.10 18.86
56 130.70 0.69 0.00 0.00 112.44 17.57
57 130.70 0.64 0.00 0.00 113.81 16.25
58 130.70 0.59 0.00 0.00 115.19 14.93
59 130.70 0.53 0.00 0.00 116.58 13.58
60 130.70 0.48 0.00 0.00 118.00 12.22
61 130.70 0.43 0.00 0.00 119.43 10.85
62 130.70 0.37 0.00 0.00 120.88 9.45
63 130.70 0.32 0.00 0.00 122.34 8.04
64 130.70 0.26 0.00 0.00 123.82 6.62
65 130.70 0.20 0.00 0.00 125.33 5.17
66 130.70 0.15 0.00 0.00 126.85 3.71
67 130.70 0.09 0.00 0.00 128.38 2.23
68 130.70 0.03 0.00 0.00 129.94 0.73
69 130.70 -0.03 0.00 0.00 131.52 (0.79)
70 130.70 -0.09 0.00 0.00 133.11 (2.32)
71 130.70 -0.15 0.00 0.00 134.72 (3.87)
72 130.70 -0.21 0.00 0.00 136.36 (5.44)
73 130.70 -0.28 0.00 0.00 138.01 (7.04)
74 130.70 -0.34 0.00 0.00 139.68 (8.65)
75 130.70 -0.40 0.00 0.00 141.38 (10.27)
76 130.70 -0.47 0.00 0.00 143.09 (11.92)
77 130.70 -0.53 0.00 0.00 144.83 (13.59)
78 130.70 -0.60 0.00 0.00 146.58 (15.28)
79 130.70 -0.67 0.00 0.00 148.36 (16.99)
80 130.70 -0.74 0.00 0.00 150.16 (18.72)
81 130.70 -0.80 0.00 0.00 151.98 (20.48)
82 130.70 -0.87 0.00 0.00 153.82 (22.25)
83 130.70 -0.94 0.00 0.00 155.69 (24.04)
84 130.70 -1.02 0.00 0.00 157.57 (25.86)
85 130.70 -1.09 0.00 0.00 159.49 (27.70)
86 130.70 -1.16 0.00 0.00 161.42 (29.56)
87 130.70 -1.23 0.00 0.00 163.38 (31.44)
88 130.70 -1.31 0.00 0.00 165.36 (33.35)
89 130.70 -1.38 0.00 0.00 167.36 (35.28)
90 130.70 -1.46 0.00 0.00 169.39 (37.23)

Página 4
BANCO CUSCATLAN
TABLA DE AMORTIZACION

91 130.70 -1.54 0.00 0.00 171.44 (39.21)


92 130.70 -1.62 0.00 0.00 173.52 (41.21)
93 130.70 -1.70 0.00 0.00 175.63 (43.23)
94 130.70 -1.78 0.00 0.00 177.76 (45.28)
95 130.70 -1.86 0.00 0.00 179.91 (47.35)
96 130.70 -1.94 0.00 0.00 182.09 (49.45)
97 130.70 -2.02 0.00 0.00 184.30 (51.58)
98 130.70 -2.11 0.00 0.00 186.54 (53.73)
99 130.70 -2.19 0.00 0.00 188.80 (55.90)
100 130.70 -2.28 0.00 0.00 191.09 (58.11)
101 130.70 -2.37 0.00 0.00 193.40 (60.34)
102 130.70 -2.46 0.00 0.00 195.75 (62.59)
103 130.70 -2.55 0.00 0.00 198.12 (64.88)
104 130.70 -2.64 0.00 0.00 200.52 (67.19)
105 130.70 -2.73 0.00 0.00 202.96 (69.53)
106 130.70 -2.82 0.00 0.00 205.42 (71.89)
107 130.70 -2.92 0.00 0.00 207.91 (74.29)
108 130.70 -3.01 0.00 0.00 210.43 (76.72)
109 130.70 -3.11 0.00 0.00 212.98 (79.17)
110 130.70 -3.21 0.00 0.00 215.56 (81.66)
111 130.70 -3.30 0.00 0.00 218.17 (84.17)
112 130.70 -3.40 0.00 0.00 220.82 (86.72)
113 130.70 -3.51 0.00 0.00 223.50 (89.29)
114 130.70 -3.61 0.00 0.00 226.21 (91.90)
115 130.70 -3.71 0.00 0.00 228.95 (94.54)
116 130.70 -3.82 0.00 0.00 231.73 (97.21)
117 130.70 -3.92 0.00 0.00 234.54 (99.91)
118 130.70 -4.03 0.00 0.00 237.38 (102.65)
119 130.70 -4.14 0.00 0.00 240.26 (105.42)
120 130.70 -4.25 0.00 0.00 243.17 (108.22)
121 130.70 -4.36 0.00 0.00 246.12 (111.06)
122 130.70 -4.47 0.00 0.00 249.10 (113.93)
123 130.70 -4.59 0.00 0.00 252.12 (116.84)
124 130.70 -4.70 0.00 0.00 255.18 (119.78)
125 130.70 -4.82 0.00 0.00 258.27 (122.76)
126 130.70 -4.94 0.00 0.00 261.41 (125.77)
127 130.70 -5.06 0.00 0.00 264.58 (128.82)
128 130.70 -5.18 0.00 0.00 267.78 (131.91)
129 130.70 -5.30 0.00 0.00 271.03 (135.03)
130 130.70 -5.43 0.00 0.00 274.32 (138.19)
131 130.70 -5.55 0.00 0.00 277.64 (141.39)
132 130.70 -5.68 0.00 0.00 281.01 (144.63)
133 130.70 -5.81 0.00 0.00 284.42 (147.91)
134 130.70 -5.94 0.00 0.00 287.86 (151.23)
135 130.70 -6.07 0.00 0.00 291.35 (154.59)
136 130.70 -6.20 0.00 0.00 294.89 (157.99)
137 130.70 -6.34 0.00 0.00 298.46 (161.43)
138 130.70 -6.47 0.00 0.00 302.08 (164.91)
139 130.70 -6.61 0.00 0.00 305.74 (168.43)
140 130.70 -6.75 0.00 0.00 309.45 (172.00)
141 130.70 -6.89 0.00 0.00 313.20 (175.61)

Página 5
BANCO CUSCATLAN
TABLA DE AMORTIZACION

142 130.70 -7.04 0.00 0.00 317.00 (179.26)


143 130.70 -7.18 0.00 0.00 320.84 (182.96)
144 130.70 -7.33 0.00 0.00 324.73 (186.70)
145 130.70 -7.48 0.00 0.00 328.67 (190.49)
146 130.70 -7.63 0.00 0.00 332.66 (194.33)
147 130.70 -7.78 0.00 0.00 336.69 (198.21)
148 130.70 -7.94 0.00 0.00 340.77 (202.14)
149 130.70 -8.09 0.00 0.00 344.90 (206.11)
150 130.70 -8.25 0.00 0.00 349.08 (210.14)
151 130.70 -8.41 0.00 0.00 353.32 (214.21)
152 130.70 -8.57 0.00 0.00 357.60 (218.33)
153 130.70 -8.73 0.00 0.00 361.94 (222.50)
154 130.70 -8.90 0.00 0.00 366.33 (226.73)
155 130.70 -9.07 0.00 0.00 370.77 (231.00)
156 130.70 -9.24 0.00 0.00 375.26 (235.32)
157 130.70 -9.41 0.00 0.00 379.81 (239.70)
158 130.70 -9.58 0.00 0.00 384.42 (244.13)
159 130.70 -9.76 0.00 0.00 389.08 (248.62)
160 130.70 -9.94 0.00 0.00 393.80 (253.16)
161 130.70 -10.12 0.00 0.00 398.57 (257.75)
162 130.70 -10.30 0.00 0.00 403.40 (262.40)
163 130.70 -10.49 0.00 0.00 408.29 (267.11)
164 130.70 -10.67 0.00 0.00 413.24 (271.87)
165 130.70 -10.86 0.00 0.00 418.26 (276.69)
166 130.70 -11.05 0.00 0.00 423.33 (281.57)
167 130.70 -11.25 0.00 0.00 428.46 (286.51)
168 130.70 -11.44 0.00 0.00 433.65 (291.51)
169 130.70 -11.64 0.00 0.00 438.91 (296.57)
170 130.70 -11.84 0.00 0.00 444.23 (301.69)
171 130.70 -12.05 0.00 0.00 449.62 (306.87)
172 130.70 -12.25 0.00 0.00 455.07 (312.12)
173 130.70 -12.46 0.00 0.00 460.59 (317.43)
174 130.70 -12.67 0.00 0.00 466.17 (322.80)
175 130.70 -12.89 0.00 0.00 471.83 (328.24)
176 130.70 -13.10 0.00 0.00 477.55 (333.74)
177 130.70 -13.32 0.00 0.00 483.34 (339.32)
178 130.70 -13.54 0.00 0.00 489.20 (344.96)
179 130.70 -13.77 0.00 0.00 495.13 (350.66)
180 130.70 -13.99 0.00 0.00 501.13 (356.44)
181 130.70 -14.22 0.00 0.00 507.21 (362.29)
182 130.70 -14.45 0.00 0.00 513.36 (368.20)
183 130.70 -14.69 0.00 0.00 519.58 (374.19)
184 130.70 -14.93 0.00 0.00 525.88 (380.25)
185 130.70 -15.17 0.00 0.00 532.26 (386.39)
186 130.70 -15.41 0.00 0.00 538.71 (392.60)
187 130.70 -15.66 0.00 0.00 545.24 (398.88)
188 130.70 -15.91 0.00 0.00 551.85 (405.24)
189 130.70 -16.16 0.00 0.00 558.54 (411.68)
190 130.70 -16.42 0.00 0.00 565.32 (418.20)
191 130.70 -16.68 0.00 0.00 572.17 (424.79)
192 130.70 -16.94 0.00 0.00 579.11 (431.47)

Página 6
BANCO CUSCATLAN
TABLA DE AMORTIZACION

193 130.70 -17.20 0.00 0.00 586.13 (438.23)


194 130.70 -17.47 0.00 0.00 593.24 (445.06)
195 130.70 -17.74 0.00 0.00 600.43 (451.99)
196 130.70 -18.02 0.00 0.00 607.71 (458.99)
197 130.70 -18.30 0.00 0.00 615.08 (466.08)
198 130.70 -18.58 0.00 0.00 622.53 (473.26)
199 130.70 -18.86 0.00 0.00 630.08 (480.52)
200 130.70 -19.15 0.00 0.00 637.72 (487.87)
201 130.70 -19.44 0.00 0.00 645.45 (495.31)
202 130.70 -19.74 0.00 0.00 653.28 (502.84)
203 130.70 -20.04 0.00 0.00 661.20 (510.46)
204 130.70 -20.34 0.00 0.00 669.22 (518.18)
205 130.70 -20.65 0.00 0.00 677.33 (525.98)
206 130.70 -20.96 0.00 0.00 685.54 (533.89)
207 130.70 -21.27 0.00 0.00 693.86 (541.88)
208 130.70 -21.59 0.00 0.00 702.27 (549.98)
209 130.70 -21.91 0.00 0.00 710.78 (558.17)
210 130.70 -22.24 0.00 0.00 719.40 (566.46)
211 130.70 -22.57 0.00 0.00 728.12 (574.86)
212 130.70 -22.90 0.00 0.00 736.95 (583.35)
213 130.70 -23.24 0.00 0.00 745.89 (591.95)
214 130.70 -23.58 0.00 0.00 754.93 (600.65)
215 130.70 -23.93 0.00 0.00 764.08 (609.46)
216 130.70 -24.28 0.00 0.00 773.35 (618.37)
217 130.70 -24.63 0.00 0.00 782.73 (627.40)
218 130.70 -24.99 0.00 0.00 792.22 (636.53)
219 130.70 -25.35 0.00 0.00 801.82 (645.77)
220 130.70 -25.72 0.00 0.00 811.54 (655.13)
221 130.70 -26.09 0.00 0.00 821.38 (664.59)
222 130.70 -26.47 0.00 0.00 831.34 (674.18)
223 130.70 -26.85 0.00 0.00 841.42 (683.88)
224 130.70 -27.23 0.00 0.00 851.62 (693.69)
225 130.70 -27.62 0.00 0.00 861.95 (703.63)
226 130.70 -28.02 0.00 0.00 872.40 (713.68)
227 130.70 -28.42 0.00 0.00 882.98 (723.86)
228 130.70 -28.82 0.00 0.00 893.68 (734.16)
229 130.70 -29.23 0.00 0.00 904.52 (744.59)
230 130.70 -29.64 0.00 0.00 915.49 (755.14)
231 130.70 -30.06 0.00 0.00 926.59 (765.82)
232 130.70 -30.49 0.00 0.00 937.82 (776.63)
233 130.70 -30.92 0.00 0.00 949.19 (787.57)
234 130.70 -31.35 0.00 0.00 960.70 (798.65)
235 130.70 -31.79 0.00 0.00 972.35 (809.86)
236 130.70 -32.24 0.00 0.00 984.14 (821.20)
237 130.70 -32.69 0.00 0.00 996.07 (832.68)
238 130.70 -33.14 0.00 0.00 1,008.15 (844.30)
239 130.70 -33.61 0.00 0.00 1,020.37 (856.06)
240 130.70 -34.07 0.00 0.00 1,032.74 (867.97)
241 130.70 -34.55 0.00 0.00 1,045.26 (880.02)
242 130.70 -35.03 0.00 0.00 1,057.94 (892.21)
243 130.70 -35.51 0.00 0.00 1,070.76 (904.55)

Página 7
BANCO CUSCATLAN
TABLA DE AMORTIZACION

244 130.70 -36.00 0.00 0.00 1,083.75 (917.05)


245 130.70 -36.50 0.00 0.00 1,096.89 (929.69)
246 130.70 -37.00 0.00 0.00 1,110.19 (942.49)
247 130.70 -37.51 0.00 0.00 1,123.65 (955.44)
248 130.70 -38.02 0.00 0.00 1,137.27 (968.55)
249 130.70 -38.54 0.00 0.00 1,151.06 (981.82)
250 130.70 -39.07 0.00 0.00 1,165.02 (995.25)
251 130.70 -39.60 0.00 0.00 1,179.14 (1,008.84)
252 130.70 -40.14 0.00 0.00 1,193.44 (1,022.59)
253 130.70 -40.69 0.00 0.00 1,207.91 (1,036.52)
254 130.70 -41.24 0.00 0.00 1,222.55 (1,050.61)
255 130.70 -41.80 0.00 0.00 1,237.38 (1,064.87)
256 130.70 -42.37 0.00 0.00 1,252.38 (1,079.31)
257 130.70 -42.94 0.00 0.00 1,267.56 (1,093.92)
258 130.70 -43.52 0.00 0.00 1,282.93 (1,108.71)
259 130.70 -44.11 0.00 0.00 1,298.49 (1,123.68)
260 130.70 -44.71 0.00 0.00 1,314.23 (1,138.83)
261 130.70 -45.31 0.00 0.00 1,330.17 (1,154.16)
262 130.70 -45.92 0.00 0.00 1,346.29 (1,169.68)
263 130.70 -46.53 0.00 0.00 1,362.62 (1,185.38)
264 130.70 -47.16 0.00 0.00 1,379.14 (1,201.28)
265 130.70 -47.79 0.00 0.00 1,395.86 (1,217.37)
266 130.70 -48.43 0.00 0.00 1,412.79 (1,233.66)
267 130.70 -49.08 0.00 0.00 1,429.91 (1,250.14)
268 130.70 -49.73 0.00 0.00 1,447.25 (1,266.82)
269 130.70 -50.39 0.00 0.00 1,464.80 (1,283.71)
270 130.70 -51.07 0.00 0.00 1,482.56 (1,300.79)
271 130.70 -51.74 0.00 0.00 1,500.54 (1,318.09)
272 130.70 -52.43 0.00 0.00 1,518.73 (1,335.60)
273 130.70 -53.13 0.00 0.00 1,537.14 (1,353.32)
274 130.70 -53.83 0.00 0.00 1,555.78 (1,371.25)
275 130.70 -54.54 0.00 0.00 1,574.64 (1,389.40)
276 130.70 -55.27 0.00 0.00 1,593.74 (1,407.77)
277 130.70 -55.99 0.00 0.00 1,613.06 (1,426.36)
278 130.70 -56.73 0.00 0.00 1,632.62 (1,445.18)
279 130.70 -57.48 0.00 0.00 1,652.41 (1,464.23)
280 130.70 -58.24 0.00 0.00 1,672.45 (1,483.51)
281 130.70 -59.00 0.00 0.00 1,692.72 (1,503.02)
282 130.70 -59.78 0.00 0.00 1,713.25 (1,522.77)
283 130.70 -60.56 0.00 0.00 1,734.02 (1,542.76)
284 130.70 -61.36 0.00 0.00 1,755.05 (1,562.99)
285 130.70 -62.16 0.00 0.00 1,776.32 (1,583.46)
286 130.70 -62.98 0.00 0.00 1,797.86 (1,604.19)
287 130.70 -63.80 0.00 0.00 1,819.66 (1,625.16)
288 130.70 -64.63 0.00 0.00 1,841.72 (1,646.39)
289 130.70 -65.48 0.00 0.00 1,864.05 (1,667.88)
290 130.70 -66.33 0.00 0.00 1,886.65 (1,689.63)
291 130.70 -67.19 0.00 0.00 1,909.53 (1,711.64)
292 130.70 -68.07 0.00 0.00 1,932.68 (1,733.91)
293 130.70 -68.95 0.00 0.00 1,956.11 (1,756.46)
294 130.70 -69.85 0.00 0.00 1,979.83 (1,779.28)

Página 8
BANCO CUSCATLAN
TABLA DE AMORTIZACION

295 130.70 -70.76 0.00 0.00 2,003.84 (1,802.38)


296 130.70 -71.67 0.00 0.00 2,028.13 (1,825.76)
297 130.70 -72.60 0.00 0.00 2,052.72 (1,849.42)
298 130.70 -73.54 0.00 0.00 2,077.61 (1,873.37)
299 130.70 -74.49 0.00 0.00 2,102.80 (1,897.61)
300 130.70 -75.46 0.00 0.00 2,128.30 (1,922.14)
301 130.70 -76.43 0.00 0.00 2,154.10 (1,946.97)
302 130.70 -77.42 0.00 0.00 2,180.22 (1,972.10)
303 130.70 -78.42 0.00 0.00 2,206.66 (1,997.54)
304 130.70 -79.43 0.00 0.00 2,233.41 (2,023.28)
305 130.70 -80.45 0.00 0.00 2,260.49 (2,049.34)
306 130.70 -81.49 0.00 0.00 2,287.90 (2,075.71)
307 130.70 -82.53 0.00 0.00 2,315.64 (2,102.40)
308 130.70 -83.59 0.00 0.00 2,343.71 (2,129.42)
309 130.70 -84.67 0.00 0.00 2,372.13 (2,156.76)
310 130.70 -85.75 0.00 0.00 2,400.89 (2,184.44)
311 130.70 -86.85 0.00 0.00 2,430.00 (2,212.45)
312 130.70 -87.97 0.00 0.00 2,459.46 (2,240.80)
313 130.70 -89.09 0.00 0.00 2,489.28 (2,269.49)
314 130.70 -90.23 0.00 0.00 2,519.47 (2,298.53)
315 130.70 -91.39 0.00 0.00 2,550.01 (2,327.93)
316 130.70 -92.56 0.00 0.00 2,580.93 (2,357.68)
317 130.70 -93.74 0.00 0.00 2,612.23 (2,387.79)
318 130.70 -94.93 0.00 0.00 2,643.90 (2,418.26)
319 130.70 -96.15 0.00 0.00 2,675.95 (2,449.11)
320 130.70 -97.37 0.00 0.00 2,708.40 (2,480.33)
321 130.70 -98.61 0.00 0.00 2,741.24 (2,511.93)
322 130.70 -99.87 0.00 0.00 2,774.47 (2,543.91)
323 130.70 -101.14 0.00 0.00 2,808.11 (2,576.28)
324 130.70 -102.42 0.00 0.00 2,842.16 (2,609.04)
325 130.70 -103.73 0.00 0.00 2,876.62 (2,642.20)
326 130.70 -105.04 0.00 0.00 2,911.50 (2,675.76)
327 130.70 -106.38 0.00 0.00 2,946.80 (2,709.72)
328 130.70 -107.73 0.00 0.00 2,982.53 (2,744.10)
329 130.70 -109.09 0.00 0.00 3,018.69 (2,778.90)
330 130.70 -110.47 0.00 0.00 3,055.29 (2,814.12)
331 130.70 -111.87 0.00 0.00 3,092.34 (2,849.76)
332 130.70 -113.29 0.00 0.00 3,129.83 (2,885.84)
333 130.70 -114.72 0.00 0.00 3,167.78 (2,922.36)
334 130.70 -116.17 0.00 0.00 3,206.19 (2,959.31)
335 130.70 -117.64 0.00 0.00 3,245.06 (2,996.72)
336 130.70 -119.13 0.00 0.00 3,284.41 (3,034.58)
337 130.70 -120.63 0.00 0.00 3,324.23 (3,072.90)
338 130.70 -122.16 0.00 0.00 3,364.53 (3,111.68)
339 130.70 -123.70 0.00 0.00 3,405.33 (3,150.93)
340 130.70 -125.26 0.00 0.00 3,446.62 (3,190.66)
341 130.70 -126.83 0.00 0.00 3,488.40 (3,230.87)
342 130.70 -128.43 0.00 0.00 3,530.70 (3,271.57)
343 130.70 -130.05 0.00 0.00 3,573.51 (3,312.76)
344 130.70 -131.69 0.00 0.00 3,616.84 (3,354.45)
345 130.70 -133.34 0.00 0.00 3,660.69 (3,396.65)

Página 9
BANCO CUSCATLAN
TABLA DE AMORTIZACION

346 130.70 -135.02 0.00 0.00 3,705.07 (3,439.36)


347 130.70 -136.72 0.00 0.00 3,750.00 (3,482.58)
348 130.70 -138.43 0.00 0.00 3,795.46 (3,526.33)
349 130.70 -140.17 0.00 0.00 3,841.48 (3,570.61)
350 130.70 -141.93 0.00 0.00 3,888.06 (3,615.43)
351 130.70 -143.71 0.00 0.00 3,935.20 (3,660.79)
352 130.70 -145.51 0.00 0.00 3,982.91 (3,706.70)
353 130.70 -147.34 0.00 0.00 4,031.21 (3,753.17)
354 130.70 -149.18 0.00 0.00 4,080.08 (3,800.20)
355 130.70 -151.05 0.00 0.00 4,129.55 (3,847.80)
356 130.70 -152.94 0.00 0.00 4,179.62 (3,895.98)
357 130.70 -154.86 0.00 0.00 4,230.30 (3,944.74)
358 130.70 -156.80 0.00 0.00 4,281.59 (3,994.09)
359 130.70 -158.76 0.00 0.00 4,333.50 (4,044.04)
360 130.70 -160.74 0.00 0.00 4,386.04 (4,094.60)

Página 10
BANCO CUSCATLAN
TABLA DE AMORTIZACION

SALDO
6,000.00
5,942.05
5,883.39
5,824.03
5,763.94
5,703.13
5,641.58
5,579.28
5,516.23
5,452.41
5,387.82
5,322.45
5,256.28
5,189.31
5,121.53
5,052.93
4,983.50
4,913.22
4,842.09
4,770.10
4,697.24
4,623.49
4,548.85
4,473.30
4,396.84
4,319.45
4,241.13
4,161.85
4,081.61
4,000.40
3,918.20
3,835.01
3,750.81
3,665.59
3,579.33
3,492.03
3,403.67
3,314.24
3,223.73
3,132.11

Página 11
BANCO CUSCATLAN
TABLA DE AMORTIZACION

3,039.39
2,945.54
2,850.56
2,754.42
2,657.12
2,558.63
2,458.96
2,358.07
2,255.96
2,152.62
2,048.02
1,942.15
1,835.00
1,726.55
1,616.78
1,505.68
1,393.24
1,279.43
1,164.25
1,047.66
929.67
810.24
689.36
567.02
443.20
317.87
191.03
62.64
(67.30)
(198.81)
(331.92)
(466.65)
(603.00)
(741.01)
(880.70)
(1,022.07)
(1,165.17)
(1,309.99)
(1,456.58)
(1,604.94)
(1,755.09)
(1,907.07)
(2,060.90)
(2,216.58)
(2,374.16)
(2,533.64)
(2,695.06)
(2,858.44)
(3,023.79)
(3,191.16)
(3,360.55)

Página 12
BANCO CUSCATLAN
TABLA DE AMORTIZACION

(3,531.99)
(3,705.52)
(3,881.14)
(4,058.90)
(4,238.81)
(4,420.91)
(4,605.21)
(4,791.74)
(4,980.54)
(5,171.63)
(5,365.03)
(5,560.78)
(5,758.90)
(5,959.43)
(6,162.38)
(6,367.80)
(6,575.70)
(6,786.13)
(6,999.11)
(7,214.67)
(7,432.85)
(7,653.67)
(7,877.16)
(8,103.37)
(8,332.32)
(8,564.05)
(8,798.58)
(9,035.96)
(9,276.22)
(9,519.39)
(9,765.51)
(10,014.61)
(10,266.74)
(10,521.92)
(10,780.19)
(11,041.60)
(11,306.17)
(11,573.95)
(11,844.98)
(12,119.30)
(12,396.94)
(12,677.95)
(12,962.36)
(13,250.23)
(13,541.58)
(13,836.47)
(14,134.93)
(14,437.01)
(14,742.75)
(15,052.20)
(15,365.41)

Página 13
BANCO CUSCATLAN
TABLA DE AMORTIZACION

(15,682.41)
(16,003.25)
(16,327.98)
(16,656.65)
(16,989.31)
(17,326.00)
(17,666.77)
(18,011.67)
(18,360.76)
(18,714.08)
(19,071.68)
(19,433.61)
(19,799.94)
(20,170.71)
(20,545.97)
(20,925.78)
(21,310.20)
(21,699.28)
(22,093.07)
(22,491.64)
(22,895.05)
(23,303.34)
(23,716.59)
(24,134.84)
(24,558.17)
(24,986.63)
(25,420.28)
(25,859.19)
(26,303.42)
(26,753.04)
(27,208.12)
(27,668.70)
(28,134.88)
(28,606.70)
(29,084.25)
(29,567.58)
(30,056.78)
(30,551.91)
(31,053.04)
(31,560.25)
(32,073.60)
(32,593.19)
(33,119.07)
(33,651.32)
(34,190.03)
(34,735.28)
(35,287.13)
(35,845.67)
(36,410.99)
(36,983.16)
(37,562.27)

Página 14
BANCO CUSCATLAN
TABLA DE AMORTIZACION

(38,148.40)
(38,741.63)
(39,342.06)
(39,949.77)
(40,564.85)
(41,187.38)
(41,817.46)
(42,455.19)
(43,100.64)
(43,753.92)
(44,415.12)
(45,084.34)
(45,761.67)
(46,447.22)
(47,141.07)
(47,843.34)
(48,554.13)
(49,273.53)
(50,001.65)
(50,738.60)
(51,484.49)
(52,239.42)
(53,003.51)
(53,776.86)
(54,559.58)
(55,351.80)
(56,153.62)
(56,965.17)
(57,786.55)
(58,617.89)
(59,459.31)
(60,310.94)
(61,172.89)
(62,045.29)
(62,928.26)
(63,821.95)
(64,726.47)
(65,641.95)
(66,568.54)
(67,506.36)
(68,455.55)
(69,416.25)
(70,388.60)
(71,372.74)
(72,368.81)
(73,376.95)
(74,397.32)
(75,430.07)
(76,475.33)
(77,533.27)
(78,604.03)

Página 15
BANCO CUSCATLAN
TABLA DE AMORTIZACION

(79,687.78)
(80,784.67)
(81,894.85)
(83,018.50)
(84,155.77)
(85,306.83)
(86,471.85)
(87,650.99)
(88,844.43)
(90,052.34)
(91,274.89)
(92,512.27)
(93,764.65)
(95,032.21)
(96,315.14)
(97,613.63)
(98,927.86)
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Página 16
BANCO CUSCATLAN
TABLA DE AMORTIZACION

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Página 17
BANCO CUSCATLAN
TABLA DE AMORTIZACION

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Página 18
Hoja7

MONTO TASA PLAZO

DATOS 6,000.00 14.00% 70 0.01 0.00 ¢0.00 11 0.07 6,000.00

Cuota ¢125.90
#VALUE!

Página 19
Hoja8

70

1 69 0 1 1 130.70
2 68 0 2 2 130.70
3 67 0 3 3 130.70
4 66 0 4 4 130.70
5 65 0 5 5 130.70
6 64 1 6 0 130.70
7 63 0 7 1 130.70
8 62 0 8 2 130.70
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10 60 0 10 4 130.70
11 59 0 11 5 130.70
12 58 1 12 0 130.70
13 57 0 13 1 130.70
14 56 0 14 2 130.70
15 55 0 15 3 130.70
16 54 0 16 4 130.70
17 53 0 17 5 130.70
18 52 1 18 0 130.70
19 51 0 19 1 130.70
20 50 0 20 2 130.70
21 49 0 21 3 130.70
22 48 0 22 4 130.70
23 47 0 23 5 130.70
24 46 1 24 0 130.70
25 45 0 25 1 130.70
26 44 0 26 2 130.70
27 43 0 27 3 130.70
28 42 0 28 4 130.70
29 41 0 29 5 130.70
30 40 1 30 0 130.70
31 39 0 31 1 130.70
32 38 0 32 2 130.70
33 37 0 33 3 130.70
34 36 0 34 4 130.70
35 35 0 35 5 130.70
36 34 1 36 0 130.70
37 33 0 37 1 130.70
38 32 0 38 2 130.70
39 31 0 39 3 130.70
40 30 0 40 4 130.70
41 29 0 41 5 130.70
42 28 1 42 0 130.70
43 27 0 43 1 130.70
44 26 0 44 2 130.70
45 25 0 45 3 130.70
46 24 0 46 4 130.70
47 23 0 47 5 130.70
48 22 1 48 0 130.70

Página 20
Hoja8

49 21 0 49 1 130.70
50 20 0 50 2 130.70
51 19 0 51 3 130.70
52 18 0 52 4 130.70
53 17 0 53 5 130.70
54 16 1 54 0 130.70
55 15 0 55 1 130.70
56 14 0 56 2 130.70
57 13 0 57 3 130.70
58 12 0 58 4 130.70
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60 10 1 60 0 130.70
61 9 0 61 1 130.70
62 8 0 62 2 130.70
63 7 0 63 3 130.70
64 6 0 64 4 130.70
65 5 0 65 5 130.70
66 4 1 66 0 130.70
67 3 0 67 1 130.70
68 2 0 68 2 130.70
69 1 0 69 3 130.70
70 0 0 70 4 130.70
71 -1 0 71 5 130.70
72 -2 0 72 0 130.70
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95 -25 0 95 5 130.70
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98 -28 0 98 2 130.70

Página 21
Hoja8

99 -29 0 99 3 130.70
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131 -61 0 131 5 130.70
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148 -78 0 148 4 130.70

Página 22
Hoja8

149 -79 0 149 5 130.70


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Página 23
Hoja8

199 -129 0 199 1 130.70


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Página 24
Hoja8

249 -179 0 249 3 130.70


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Página 25
Hoja8

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329 -259 0 329 5 130.70
330 -260 0 330 0 130.70
331 -261 0 331 1 130.70
332 -262 0 332 2 130.70
333 -263 0 333 3 130.70
334 -264 0 334 4 130.70
335 -265 0 335 5 130.70
336 -266 0 336 0 130.70
337 -267 0 337 1 130.70
338 -268 0 338 2 130.70
339 -269 0 339 3 130.70
340 -270 0 340 4 130.70
341 -271 0 341 5 130.70
342 -272 0 342 0 130.70
343 -273 0 343 1 130.70
344 -274 0 344 2 130.70
345 -275 0 345 3 130.70
346 -276 0 346 4 130.70
347 -277 0 347 5 130.70
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Página 26
Hoja8

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350 -280 0 350 2 130.70
351 -281 0 351 3 130.70
352 -282 0 352 4 130.70
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355 -285 0 355 1 130.70
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Página 27
CALCULO DE CUOTAS DE AMORTIZACION
PERIODICIDAD 12
INTERES 13.00%
LAS CUOTAS COMPRENDEN CAPITAL, INTERESES, SEGURO DE VIDA Y UNA ESTIMACION DE SEGURO DE VIVIENDA

AÑOS INGRESOS
MONTO\AÑOS 10 15 20 30 10 15 20 30
100,000.00 1,650.57 1,422.71 1,329.04 1,263.66 5,501.91 4,742.36 4,430.14 4,212.22
110,000.00 1,815.63 1,564.98 1,461.95 1,390.03 6,052.10 5,216.59 4,873.15 4,633.44
120,000.00 1,980.69 1,707.25 1,594.85 1,516.40 6,602.29 5,690.83 5,316.16 5,054.66
130,000.00 2,145.74 1,849.52 1,727.75 1,642.76 7,152.48 6,165.07 5,759.18 5,475.88
140,000.00 2,310.80 1,991.79 1,860.66 1,769.13 7,702.67 6,639.30 6,202.19 5,897.10
150,000.00 2,475.86 2,134.06 1,993.56 1,895.50 8,252.86 7,113.54 6,645.20 6,318.32
160,000.00 2,640.92 2,276.33 2,126.47 2,021.86 8,803.05 7,587.77 7,088.22 6,739.55
170,000.00 2,805.97 2,418.60 2,259.37 2,148.23 9,353.24 8,062.01 7,531.23 7,160.77
180,000.00 2,971.03 2,560.87 2,392.27 2,274.60 9,903.44 8,536.24 7,974.25 7,581.99
190,000.00 3,136.09 2,703.14 2,525.18 2,400.96 10,453.63 9,010.48 8,417.26 8,003.21
200,000.00 3,301.15 2,845.41 2,658.08 2,527.33 11,003.82 9,484.72 8,860.27 8,424.43
210,000.00 3,466.20 2,987.69 2,790.99 2,653.70 11,554.01 9,958.95 9,303.29 8,845.65
220,000.00 3,631.26 3,129.96 2,923.89 2,780.06 12,104.20 10,433.19 9,746.30 9,266.87
230,000.00 3,796.32 3,272.23 3,056.79 2,906.43 12,654.39 10,907.42 10,189.31 9,688.10
240,000.00 3,961.37 3,414.50 3,189.70 3,032.80 13,204.58 11,381.66 10,632.33 10,109.32
250,000.00 4,126.43 3,556.77 3,322.60 3,159.16 13,754.77 11,855.90 11,075.34 10,530.54
260,000.00 4,291.49 3,699.04 3,455.51 3,285.53 14,304.96 12,330.13 11,518.35 10,951.76
270,000.00 4,456.55 3,841.31 3,588.41 3,411.89 14,855.15 12,804.37 11,961.37 11,372.98
280,000.00 4,621.60 3,983.58 3,721.31 3,538.26 15,405.34 13,278.60 12,404.38 11,794.20
290,000.00 4,786.66 4,125.85 3,854.22 3,664.63 15,955.54 13,752.84 12,847.40 12,215.43
300,000.00 4,951.72 4,268.12 3,987.12 3,790.99 16,505.73 14,227.07 13,290.41 12,636.65
310,000.00 5,116.78 4,410.39 4,120.03 3,917.36 17,055.92 14,701.31 13,733.42 13,057.87
320,000.00 5,281.83 4,552.66 4,252.93 4,043.73 17,606.11 15,175.55 14,176.44 13,479.09
330,000.00 5,446.89 4,694.93 4,385.84 4,170.09 18,156.30 15,649.78 14,619.45 13,900.31
340,000.00 5,611.95 4,837.21 4,518.74 4,296.46 18,706.49 16,124.02 15,062.46 14,321.53
350,000.00 5,777.00 4,979.48 4,651.64 4,422.83 19,256.68 16,598.25 15,505.48 14,742.76
360,000.00 5,942.06 5,121.75 4,784.55 4,549.19 19,806.87 17,072.49 15,948.49 15,163.98
370,000.00 6,107.12 5,264.02 4,917.45 4,675.56 20,357.06 17,546.72 16,391.51 15,585.20
380,000.00 6,272.18 5,406.29 5,050.36 4,801.93 20,907.25 18,020.96 16,834.52 16,006.42
390,000.00 6,437.23 5,548.56 5,183.26 4,928.29 21,457.44 18,495.20 17,277.53 16,427.64
400,000.00 6,602.29 5,690.83 5,316.16 5,054.66 22,007.64 18,969.43 17,720.55 16,848.86
410,000.00 6,767.35 5,833.10 5,449.07 5,181.03 22,557.83 19,443.67 18,163.56 17,270.09
420,000.00 6,932.41 5,975.37 5,581.97 5,307.39 23,108.02 19,917.90 18,606.57 17,691.31
430,000.00 7,097.46 6,117.64 5,714.88 5,433.76 23,658.21 20,392.14 19,049.59 18,112.53
440,000.00 7,262.52 6,259.91 5,847.78 5,560.12 24,208.40 20,866.38 19,492.60 18,533.75
450,000.00 7,427.58 6,402.18 5,980.68 5,686.49 24,758.59 21,340.61 19,935.61 18,954.97
460,000.00 7,592.63 6,544.45 6,113.59 5,812.86 25,308.78 21,814.85 20,378.63 19,376.19
470,000.00 7,757.69 6,686.72 6,246.49 5,939.22 25,858.97 22,289.08 20,821.64 19,797.41
480,000.00 7,922.75 6,829.00 6,379.40 6,065.59 26,409.16 22,763.32 21,264.66 20,218.64
490,000.00 8,087.81 6,971.27 6,512.30 6,191.96 26,959.35 23,237.55 21,707.67 20,639.86
500,000.00 8,252.86 7,113.54 6,645.20 6,318.32 27,509.54 23,711.79 22,150.68 21,061.08
510,000.00 8,417.92 7,255.81 6,778.11 6,444.69 28,059.73 24,186.03 22,593.70 21,482.30
520,000.00 8,582.98 7,398.08 6,911.01 6,571.06 28,609.93 24,660.26 23,036.71 21,903.52
530,000.00 8,748.03 7,540.35 7,043.92 6,697.42 29,160.12 25,134.50 23,479.72 22,324.74
540,000.00 8,913.09 7,682.62 7,176.82 6,823.79 29,710.31 25,608.73 23,922.74 22,745.97
550,000.00 9,078.15 7,824.89 7,309.73 6,950.16 30,260.50 26,082.97 24,365.75 23,167.19
560,000.00 9,243.21 7,967.16 7,442.63 7,076.52 30,810.69 26,557.20 24,808.76 23,588.41
570,000.00 9,408.26 8,109.43 7,575.53 7,202.89 31,360.88 27,031.44 25,251.78 24,009.63
580,000.00 9,573.32 8,251.70 7,708.44 7,329.26 31,911.07 27,505.68 25,694.79 24,430.85
590,000.00 9,738.38 8,393.97 7,841.34 7,455.62 32,461.26 27,979.91 26,137.81 24,852.07
CALCULO DE CUOTAS DE AMORTIZACION
PERIODICIDAD 12
INTERES 13.00%
LAS CUOTAS COMPRENDEN CAPITAL, INTERESES, SEGURO DE VIDA Y UNA ESTIMACION DE SEGURO DE VIVIENDA

AÑOS INGRESOS
MONTO\AÑOS 10 15 20 30 10 15 20 30
600,000.00 9,903.44 8,536.24 7,974.25 7,581.99 33,011.45 28,454.15 26,580.82 25,273.30
610,000.00 10,068.49 8,678.52 8,107.15 7,708.36 33,561.64 28,928.38 27,023.83 25,694.52
620,000.00 10,233.55 8,820.79 8,240.05 7,834.72 34,111.83 29,402.62 27,466.85 26,115.74
630,000.00 10,398.61 8,963.06 8,372.96 7,961.09 34,662.03 29,876.86 27,909.86 26,536.96
640,000.00 10,563.66 9,105.33 8,505.86 8,087.45 35,212.22 30,351.09 28,352.87 26,958.18
650,000.00 10,728.72 9,247.60 8,638.77 8,213.82 35,762.41 30,825.33 28,795.89 27,379.40
660,000.00 10,893.78 9,389.87 8,771.67 8,340.19 36,312.60 31,299.56 29,238.90 27,800.62
670,000.00 11,058.84 9,532.14 8,904.57 8,466.55 36,862.79 31,773.80 29,681.91 28,221.85
680,000.00 11,223.89 9,674.41 9,037.48 8,592.92 37,412.98 32,248.03 30,124.93 28,643.07
690,000.00 11,388.95 9,816.68 9,170.38 8,719.29 37,963.17 32,722.27 30,567.94 29,064.29
700,000.00 11,554.01 9,958.95 9,303.29 8,845.65 38,513.36 33,196.51 31,010.96 29,485.51
710,000.00 11,719.07 10,101.22 9,436.19 8,972.02 39,063.55 33,670.74 31,453.97 29,906.73
720,000.00 11,884.12 10,243.49 9,569.09 9,098.39 39,613.74 34,144.98 31,896.98 30,327.95
730,000.00 12,049.18 10,385.76 9,702.00 9,224.75 40,163.93 34,619.21 32,340.00 30,749.18
740,000.00 12,214.24 10,528.03 9,834.90 9,351.12 40,714.13 35,093.45 32,783.01 31,170.40
750,000.00 12,379.29 10,670.31 9,967.81 9,477.49 41,264.32 35,567.69 33,226.02 31,591.62
760,000.00 12,544.35 10,812.58 10,100.71 9,603.85 41,814.51 36,041.92 33,669.04 32,012.84
770,000.00 12,709.41 10,954.85 10,233.62 9,730.22 42,364.70 36,516.16 34,112.05 32,434.06
780,000.00 12,874.47 11,097.12 10,366.52 9,856.59 42,914.89 36,990.39 34,555.06 32,855.28
790,000.00 13,039.52 11,239.39 10,499.42 9,982.95 43,465.08 37,464.63 34,998.08 33,276.51
800,000.00 13,204.58 11,381.66 10,632.33 10,109.32 44,015.27 37,938.86 35,441.09 33,697.73
810,000.00 13,369.64 11,523.93 10,765.23 10,235.68 44,565.46 38,413.10 35,884.11 34,118.95
820,000.00 13,534.70 11,666.20 10,898.14 10,362.05 45,115.65 38,887.34 36,327.12 34,540.17
830,000.00 13,699.75 11,808.47 11,031.04 10,488.42 45,665.84 39,361.57 36,770.13 34,961.39
840,000.00 13,864.81 11,950.74 11,163.94 10,614.78 46,216.03 39,835.81 37,213.15 35,382.61
850,000.00 14,029.87 12,093.01 11,296.85 10,741.15 46,766.22 40,310.04 37,656.16 35,803.83
860,000.00 14,194.92 12,235.28 11,429.75 10,867.52 47,316.42 40,784.28 38,099.17 36,225.06
870,000.00 14,359.98 12,377.55 11,562.66 10,993.88 47,866.61 41,258.51 38,542.19 36,646.28
880,000.00 14,525.04 12,519.83 11,695.56 11,120.25 48,416.80 41,732.75 38,985.20 37,067.50
890,000.00 14,690.10 12,662.10 11,828.46 11,246.62 48,966.99 42,206.99 39,428.21 37,488.72
900,000.00 14,855.15 12,804.37 11,961.37 11,372.98 49,517.18 42,681.22 39,871.23 37,909.94
910,000.00 15,020.21 12,946.64 12,094.27 11,499.35 50,067.37 43,155.46 40,314.24 38,331.16
920,000.00 15,185.27 13,088.91 12,227.18 11,625.72 50,617.56 43,629.69 40,757.26 38,752.39
930,000.00 15,350.33 13,231.18 12,360.08 11,752.08 51,167.75 44,103.93 41,200.27 39,173.61
940,000.00 15,515.38 13,373.45 12,492.98 11,878.45 51,717.94 44,578.17 41,643.28 39,594.83
950,000.00 15,680.44 13,515.72 12,625.89 12,004.82 52,268.13 45,052.40 42,086.30 40,016.05
960,000.00 15,845.50 13,657.99 12,758.79 12,131.18 52,818.32 45,526.64 42,529.31 40,437.27
970,000.00 16,010.55 13,800.26 12,891.70 12,257.55 53,368.52 46,000.87 42,972.32 40,858.49
980,000.00 16,175.61 13,942.53 13,024.60 12,383.91 53,918.71 46,475.11 43,415.34 41,279.72
990,000.00 16,340.67 14,084.80 13,157.51 12,510.28 54,468.90 46,949.34 43,858.35 41,700.94
1,000,000.00 16,505.73 14,227.07 13,290.41 12,636.65 55,019.09 47,423.58 44,301.37 42,122.16
1,010,000.00 16,670.78 14,369.34 13,423.31 12,763.01 55,569.28 47,897.82 44,744.38 42,543.38
1,020,000.00 16,835.84 14,511.62 13,556.22 12,889.38 56,119.47 48,372.05 45,187.39 42,964.60
1,030,000.00 17,000.90 14,653.89 13,689.12 13,015.75 56,669.66 48,846.29 45,630.41 43,385.82
1,040,000.00 17,165.96 14,796.16 13,822.03 13,142.11 57,219.85 49,320.52 46,073.42 43,807.04
1,050,000.00 17,331.01 14,938.43 13,954.93 13,268.48 57,770.04 49,794.76 46,516.43 44,228.27
1,060,000.00 17,496.07 15,080.70 14,087.83 13,394.85 58,320.23 50,269.00 46,959.45 44,649.49
1,070,000.00 17,661.13 15,222.97 14,220.74 13,521.21 58,870.42 50,743.23 47,402.46 45,070.71
1,080,000.00 17,826.18 15,365.24 14,353.64 13,647.58 59,420.62 51,217.47 47,845.47 45,491.93
1,090,000.00 17,991.24 15,507.51 14,486.55 13,773.95 59,970.81 51,691.70 48,288.49 45,913.15
CALCULO DE CUOTAS DE AMORTIZACION
PERIODICIDAD 12
INTERES 13.00%
LAS CUOTAS COMPRENDEN CAPITAL, INTERESES, SEGURO DE VIDA Y UNA ESTIMACION DE SEGURO DE VIVIENDA

AÑOS INGRESOS
MONTO\AÑOS 10 15 20 30 10 15 20 30
1,100,000.00 18,156.30 15,649.78 14,619.45 13,900.31 60,521.00 52,165.94 48,731.50 46,334.37
1,110,000.00 18,321.36 15,792.05 14,752.35 14,026.68 61,071.19 52,640.17 49,174.52 46,755.60
1,120,000.00 18,486.41 15,934.32 14,885.26 14,153.05 61,621.38 53,114.41 49,617.53 47,176.82
1,130,000.00 18,651.47 16,076.59 15,018.16 14,279.41 62,171.57 53,588.65 50,060.54 47,598.04
1,140,000.00 18,816.53 16,218.86 15,151.07 14,405.78 62,721.76 54,062.88 50,503.56 48,019.26
1,150,000.00 18,981.59 16,361.14 15,283.97 14,532.14 63,271.95 54,537.12 50,946.57 48,440.48
1,160,000.00 19,146.64 16,503.41 15,416.88 14,658.51 63,822.14 55,011.35 51,389.58 48,861.70
1,170,000.00 19,311.70 16,645.68 15,549.78 14,784.88 64,372.33 55,485.59 51,832.60 49,282.93
1,180,000.00 19,476.76 16,787.95 15,682.68 14,911.24 64,922.52 55,959.82 52,275.61 49,704.15
1,190,000.00 19,641.81 16,930.22 15,815.59 15,037.61 65,472.71 56,434.06 52,718.62 50,125.37
1,200,000.00 19,806.87 17,072.49 15,948.49 15,163.98 66,022.91 56,908.30 53,161.64 50,546.59
1,210,000.00 19,971.93 17,214.76 16,081.40 15,290.34 66,573.10 57,382.53 53,604.65 50,967.81
1,220,000.00 20,136.99 17,357.03 16,214.30 15,416.71 67,123.29 57,856.77 54,047.67 51,389.03
1,230,000.00 20,302.04 17,499.30 16,347.20 15,543.08 67,673.48 58,331.00 54,490.68 51,810.26
1,240,000.00 20,467.10 17,641.57 16,480.11 15,669.44 68,223.67 58,805.24 54,933.69 52,231.48
1,250,000.00 20,632.16 17,783.84 16,613.01 15,795.81 68,773.86 59,279.48 55,376.71 52,652.70
1,260,000.00 20,797.22 17,926.11 16,745.92 15,922.18 69,324.05 59,753.71 55,819.72 53,073.92
1,270,000.00 20,962.27 18,068.38 16,878.82 16,048.54 69,874.24 60,227.95 56,262.73 53,495.14
1,280,000.00 21,127.33 18,210.65 17,011.72 16,174.91 70,424.43 60,702.18 56,705.75 53,916.36
1,290,000.00 21,292.39 18,352.93 17,144.63 16,301.28 70,974.62 61,176.42 57,148.76 54,337.58
1,300,000.00 21,457.44 18,495.20 17,277.53 16,427.64 71,524.81 61,650.65 57,591.77 54,758.81
1,310,000.00 21,622.50 18,637.47 17,410.44 16,554.01 72,075.01 62,124.89 58,034.79 55,180.03
1,320,000.00 21,787.56 18,779.74 17,543.34 16,680.37 72,625.20 62,599.13 58,477.80 55,601.25
1,330,000.00 21,952.62 18,922.01 17,676.24 16,806.74 73,175.39 63,073.36 58,920.82 56,022.47
1,340,000.00 22,117.67 19,064.28 17,809.15 16,933.11 73,725.58 63,547.60 59,363.83 56,443.69
1,350,000.00 22,282.73 19,206.55 17,942.05 17,059.47 74,275.77 64,021.83 59,806.84 56,864.91
1,360,000.00 22,447.79 19,348.82 18,074.96 17,185.84 74,825.96 64,496.07 60,249.86 57,286.14
1,370,000.00 22,612.85 19,491.09 18,207.86 17,312.21 75,376.15 64,970.30 60,692.87 57,707.36
1,380,000.00 22,777.90 19,633.36 18,340.77 17,438.57 75,926.34 65,444.54 61,135.88 58,128.58
1,390,000.00 22,942.96 19,775.63 18,473.67 17,564.94 76,476.53 65,918.78 61,578.90 58,549.80
1,400,000.00 23,108.02 19,917.90 18,606.57 17,691.31 77,026.72 66,393.01 62,021.91 58,971.02
1,410,000.00 23,273.07 20,060.17 18,739.48 17,817.67 77,576.91 66,867.25 62,464.92 59,392.24
1,420,000.00 23,438.13 20,202.45 18,872.38 17,944.04 78,127.10 67,341.48 62,907.94 59,813.47
1,430,000.00 23,603.19 20,344.72 19,005.29 18,070.41 78,677.30 67,815.72 63,350.95 60,234.69
1,440,000.00 23,768.25 20,486.99 19,138.19 18,196.77 79,227.49 68,289.96 63,793.97 60,655.91
1,450,000.00 23,933.30 20,629.26 19,271.09 18,323.14 79,777.68 68,764.19 64,236.98 61,077.13
1,460,000.00 24,098.36 20,771.53 19,404.00 18,449.51 80,327.87 69,238.43 64,679.99 61,498.35
1,470,000.00 24,263.42 20,913.80 19,536.90 18,575.87 80,878.06 69,712.66 65,123.01 61,919.57
1,480,000.00 24,428.48 21,056.07 19,669.81 18,702.24 81,428.25 70,186.90 65,566.02 62,340.79
1,490,000.00 24,593.53 21,198.34 19,802.71 18,828.60 81,978.44 70,661.13 66,009.03 62,762.02
1,500,000.00 24,758.59 21,340.61 19,935.61 18,954.97 82,528.63 71,135.37 66,452.05 63,183.24
1,510,000.00 24,923.65 21,482.88 20,068.52 19,081.34 83,078.82 71,609.61 66,895.06 63,604.46
1,520,000.00 25,088.70 21,625.15 20,201.42 19,207.70 83,629.01 72,083.84 67,338.07 64,025.68
1,530,000.00 25,253.76 21,767.42 20,334.33 19,334.07 84,179.20 72,558.08 67,781.09 64,446.90
1,540,000.00 25,418.82 21,909.69 20,467.23 19,460.44 84,729.40 73,032.31 68,224.10 64,868.12
1,550,000.00 25,583.88 22,051.96 20,600.13 19,586.80 85,279.59 73,506.55 68,667.12 65,289.35
FACT_K+i

SUBGERENCIA DE CREDITOS PERSONALES Y VIVIENDA


TABLA DE FACTORES PARA CALCULO CUOTAS DE AMORTIZACIÓN
MONTO 1000.00
PERIODICIDAD 12 MENSUAL INTERES 9.00%
PERIODO FACTOR PERIODO FACTOR PERIODO FACTOR
1 ### 61 20.488731 121 12.602936 1,260.29
2 505.632005 62 20.227951 122 12.539424
3 338.345787 63 19.975595 123 12.477015
4 254.705012 64 19.731268 124 12.415682
5 204.522416 65 19.494600 125 12.355399
6 171.068907 66 19.265241 126 12.296141
7 147.174879 67 19.042865 127 12.237883
8 129.255524 68 18.827163 128 12.180602
9 115.319286 69 18.617846 129 12.124276
10 104.171229 70 18.414639 130 12.068882
11 95.050940 71 18.217284 131 12.014398
12 87.451477 72 18.025537 132 11.960804
13 81.021880 73 17.839168 133 11.908080
14 75.511463 74 17.657959 134 11.856206
15 70.736391 75 17.481702 135 11.805163
16 66.558785 76 17.310203 136 11.754933
17 62.873212 77 17.143276 137 11.705497
18 59.597664 78 16.980745 138 11.656839
19 56.667402 79 16.822443 139 11.608942
20 54.030632 80 16.668211 140 11.561789
21 51.645427 81 16.517899 141 11.515364
22 49.477482 82 16.371363 142 11.469652
23 47.498459 83 16.228466 143 11.424638
24 45.684742 84 16.089078 144 11.380307
25 44.016496 85 15.953076 145 11.336645
26 42.476934 86 15.820341 146 11.293638
27 41.051758 87 15.690760 147 11.251272
28 39.728712 88 15.564227 148 11.209535
29 38.497232 89 15.440637 149 11.168414
30 37.348161 90 15.319893 150 11.127896
31 36.273523 91 15.201900 151 11.087970
32 35.266340 92 15.086570 152 11.048623
33 34.320480 93 14.973816 153 11.009844
34 33.430531 94 14.863555 154 10.971622
35 32.591702 95 14.755710 155 10.933946
36 31.799733 96 14.650203 156 10.896805
37 31.050823 97 14.546964 157 10.860190
38 30.341573 98 14.445922 158 10.824090
39 29.668933 99 14.347010 159 10.788495
40 29.030156 100 14.250166 160 10.753395
41 28.422765 101 14.155326 161 10.718783
42 27.844518 102 14.062433 162 10.684647
43 27.293380 103 13.971429 163 10.650980
44 26.767505 104 13.882259 164 10.617773
45 26.265207 105 13.794872 165 10.585017
46 25.784949 106 13.709217 166 10.552704
47 25.325324 107 13.625245 167 10.520826
48 24.885042 108 13.542909 168 10.489375
49 24.462919 109 13.462164 169 10.458344
50 24.057866 110 13.382966 170 10.427725
51 23.668877 111 13.305274 171 10.397510
52 23.295026 112 13.229048 172 10.367693
53 22.935457 113 13.154248 173 10.338267
54 22.589375 114 13.080836 174 10.309225
55 22.256046 115 13.008776 175 10.280559
56 21.934784 116 12.938034 176 10.252264
57 21.624956 117 12.868575 177 10.224334
58 21.325970 118 12.800367 178 10.196761
59 21.037275 119 12.733378 179 10.169541
60 20.758355 120 12.667577 180 10.142666

Página 31
FACT_K+i

SUBGERENCIA DE CREDITOS PERSONALES Y VIVIENDA


TABLA DE FACTORES PARA CALCULO CUOTAS DE AMORTIZACIÓN
MONTO 1000.00
PERIODICIDAD 12 MENSUAL INTERES 9.00%
PERIODO FACTOR PERIODO FACTOR PERIODO FACTOR
181 10.116131 241 8.983908 301 8.384541
182 10.089931 242 8.970696 302 8.377186
183 10.064060 243 8.957620 303 8.369899
184 10.038512 244 8.944679 304 8.362678
185 10.013283 245 8.931871 305 8.355524
186 9.988366 246 8.919195 306 8.348434
187 9.963757 247 8.906649 307 8.341410
188 9.939451 248 8.894231 308 8.334449
189 9.915443 249 8.881940 309 8.327552
190 9.891728 250 8.869774 310 8.320718
191 9.868301 251 8.857731 311 8.313945
192 9.845158 252 8.845810 312 8.307234
193 9.822295 253 8.834010 313 8.300583
194 9.799707 254 8.822328 314 8.293993
195 9.777389 255 8.810764 315 8.287461
196 9.755338 256 8.799316 316 8.280989
197 9.733549 257 8.787983 317 8.274575
198 9.712018 258 8.776763 318 8.268218
199 9.690741 259 8.765654 319 8.261918
200 9.669715 260 8.754657 320 8.255675
201 9.648936 261 8.743768 321 8.249487
202 9.628399 262 8.732987 322 8.243355
203 9.608101 263 8.722312 323 8.237278
204 9.588039 264 8.711743 324 8.231254
205 9.568209 265 8.701278 325 8.225284
206 9.548607 266 8.690915 326 8.219367
207 9.529231 267 8.680655 327 8.213502
208 9.510077 268 8.670494 328 8.207690
209 9.491141 269 8.660432 329 8.201929
210 9.472420 270 8.650469 330 8.196218
211 9.453912 271 8.640602 331 8.190558
212 9.435613 272 8.630831 332 8.184948
213 9.417520 273 8.621154 333 8.179387
214 9.399630 274 8.611571 334 8.173876
215 9.381941 275 8.602081 335 8.168412
216 9.364448 276 8.592681 336 8.162996
217 9.347151 277 8.583372 337 8.157628
218 9.330045 278 8.574153 338 8.152307
219 9.313129 279 8.565021 339 8.147032
220 9.296398 280 8.555976 340 8.141803
221 9.279852 281 8.547018 341 8.136620
222 9.263487 282 8.538145 342 8.131482
223 9.247301 283 8.529356 343 8.126389
224 9.231291 284 8.520651 344 8.121339
225 9.215456 285 8.512028 345 8.116334
226 9.199791 286 8.503486 346 8.111372
227 9.184296 287 8.495025 347 8.106453
228 9.168968 288 8.486643 348 8.101576
229 9.153804 289 8.478340 349 8.096741
230 9.138803 290 8.470115 350 8.091949
231 9.123962 291 8.461968 351 8.087197
232 9.109279 292 8.453896 352 8.082486
233 9.094752 293 8.445899 353 8.077816
234 9.080379 294 8.437977 354 8.073186
235 9.066157 295 8.430129 355 8.068596
236 9.052086 296 8.422353 356 8.064045
237 9.038162 297 8.414650 357 8.059532
238 9.024385 298 8.407017 358 8.055059
239 9.010751 299 8.399456 359 8.050624
240 8.997260 300 8.391964 360 8.046226

Página 32
FAC-DIA

SUBGERENCIA DE CREDITOS PERSONALES Y VIVIENDA


TABLA DE FACTORES PARA CALCULO CUOTAS DE AMORTIZACIÓN
LOS FACTORES INCLUYEN UNA ESTIMACION DE SEGUROS DE VIDA Y VIVIENDA
MONTO 1000.00
PERIODICIDAD 12 MENSUAL INTERES 14.90%
PERIODO FACTOR PERIODO FACTOR PERIODO FACTOR
1 1,013.630171 61 24.688479 121 17.227990
2 510.545157 62 24.434840 122 17.171281
3 342.858664 63 24.189635 123 17.115661
4 259.021801 64 23.952468 124 17.061102
5 208.724790 65 23.722968 125 17.007578
6 175.197703 66 23.500786 126 16.955064
7 151.253431 67 23.285593 127 16.903536
8 133.298416 68 23.077080 128 16.852970
9 119.336239 69 22.874956 129 16.803344
10 108.169048 70 22.678946 130 16.754634
11 99.034574 71 22.488792 131 16.706819
12 91.424636 72 22.304249 132 16.659879
13 84.987418 73 22.125085 133 16.613793
14 79.471622 74 21.951081 134 16.568541
15 74.692963 75 21.782031 135 16.524105
16 70.513227 76 21.617739 136 16.480465
17 66.826720 77 21.458018 137 16.437604
18 63.551239 78 21.302691 138 16.395504
19 60.621882 79 21.151592 139 16.354149
20 57.986731 80 21.004561 140 16.313521
21 55.603755 81 20.861446 141 16.273605
22 53.438566 82 20.722104 142 16.234385
23 51.462757 83 20.586398 143 16.195847
24 49.652654 84 20.454197 144 16.157974
25 47.988372 85 20.325376 145 16.120754
26 46.453085 86 20.199818 146 16.084171
27 45.032458 87 20.077409 147 16.048214
28 43.714207 88 19.958040 148 16.012867
29 42.487740 89 19.841610 149 15.978119
30 41.343878 90 19.728019 150 15.943957
31 40.274626 91 19.617172 151 15.910368
32 39.272989 92 19.508980 152 15.877342
33 38.332819 93 19.403357 153 15.844866
34 37.448692 94 19.300220 154 15.812929
35 36.615803 95 19.199489 155 15.781521
36 35.829882 96 19.101089 156 15.750630
37 35.087120 97 19.004948 157 15.720246
38 34.384109 98 18.910994 158 15.690360
39 33.717791 99 18.819162 159 15.660960
40 33.085412 100 18.729387 160 15.632038
41 32.484489 101 18.641607 161 15.603585
42 31.912774 102 18.555763 162 15.575590
43 31.368228 103 18.471799 163 15.548045
44 30.848999 104 18.389658 164 15.520942
45 30.353398 105 18.309289 165 15.494271
46 29.879883 106 18.230640 166 15.468025
47 29.427044 107 18.153663 167 15.442196
48 28.993588 108 18.078311 168 15.416775
49 28.578327 109 18.004538 169 15.391754
50 28.180169 110 17.932301 170 15.367127
51 27.798107 111 17.861557 171 15.342886
52 27.431212 112 17.792267 172 15.319024
53 27.078624 113 17.724389 173 15.295533
54 26.739548 114 17.657888 174 15.272407
55 26.413247 115 17.592726 175 15.249639
56 26.099035 116 17.528869 176 15.227223
57 25.796275 117 17.466281 177 15.205151
58 25.504374 118 17.404931 178 15.183419

Página 33
FAC-DIA

59 25.222779 119 17.344786 179 15.162019


60 24.950975 120 17.285816 180 15.140946

Página 34
FAC-DIA

181 15.120194 241 14.298817 301 13.940323


182 15.099757 242 14.290180 302 13.936425
183 15.079629 243 14.281661 303 13.932578
184 15.059806 244 14.273257 304 13.928780
185 15.040281 245 14.264967 305 13.925030
186 15.021049 246 14.256788 306 13.921329
187 15.002106 247 14.248720 307 13.917676
188 14.983447 248 14.240761 308 13.914069
189 14.965065 249 14.232909 309 13.910509
190 14.946957 250 14.225163 310 13.906994
191 14.929118 251 14.217520 311 13.903524
192 14.911543 252 14.209980 312 13.900099
193 14.894228 253 14.202542 313 13.896717
194 14.877169 254 14.195202 314 13.893379
195 14.860360 255 14.187961 315 13.890083
196 14.843797 256 14.180817 316 13.886829
197 14.827478 257 14.173768 317 13.883617
198 14.811397 258 14.166813 318 13.880446
199 14.795550 259 14.159951 319 13.877316
200 14.779934 260 14.153179 320 13.874225
201 14.764544 261 14.146498 321 13.871174
202 14.749378 262 14.139906 322 13.868162
203 14.734431 263 14.133401 323 13.865187
204 14.719699 264 14.126982 324 13.862251
205 14.705180 265 14.120648 325 13.859352
206 14.690869 266 14.114398 326 13.856490
207 14.676764 267 14.108231 327 13.853665
208 14.662861 268 14.102145 328 13.850875
209 14.649156 269 14.096139 329 13.848121
210 14.635647 270 14.090213 330 13.845401
211 14.622330 271 14.084364 331 13.842717
212 14.609202 272 14.078593 332 13.840066
213 14.596261 273 14.072897 333 13.837448
214 14.583503 274 14.067276 334 13.834864
215 14.570925 275 14.061729 335 13.832313
216 14.558524 276 14.056255 336 13.829794
217 14.546299 277 14.050852 337 13.827307
218 14.534245 278 14.045520 338 13.824851
219 14.522360 279 14.040258 339 13.822427
220 14.510642 280 14.035064 340 13.820033
221 14.499088 281 14.029939 341 13.817669
222 14.487695 282 14.024880 342 13.815335
223 14.476461 283 14.019887 343 13.813031
224 14.465384 284 14.014959 344 13.810756
225 14.454461 285 14.010096 345 13.808509
226 14.443689 286 14.005295 346 13.806291
227 14.433066 287 14.000557 347 13.804100
228 14.422591 288 13.995881 348 13.801938
229 14.412260 289 13.991265 349 13.799802
230 14.402072 290 13.986710 350 13.797694
231 14.392024 291 13.982213 351 13.795612
232 14.382115 292 13.977774 352 13.793556
233 14.372341 293 13.973393 353 13.791526
234 14.362702 294 13.969069 354 13.789522
235 14.353195 295 13.964801 355 13.787543
236 14.343818 296 13.960588 356 13.785589
237 14.334569 297 13.956429 357 13.783659
238 14.325446 298 13.952323 358 13.781754
239 14.316448 299 13.948271 359 13.779872
240 14.307572 300 13.944271 360 13.778014
USO DE LA TABLA:
Para calculo de una cuota deberá buscar el factor que corresponda al
numero de meses que durará el crédito y multiplicar por el monto de
préstamo en miles.

Página 35
FAC-DIA

Ejemplo:
Monto préstamo 100,000.00
factor a 10 años=120meses 17.285816

multiplicando 100X17.285816 1,728.58

Página 36