Está en la página 1de 12

Prestamo USD 5,000.

00
Tasa de Interes Anual 17.00%
Tasa de Interes mensual 1.32%
Plazo 12 meses

PLAN DE AMORTIZACION CON CUOTAS DECRECIENTES


-1 -2 -3 (2)+(3)
Nº Cuota Principal Amortización Interés portes Total Cuota
1 5,000.00 416.67 65.85 2.00 484.51
2 4,583.33 416.67 60.36 2.00 479.03
3 4,166.67 416.67 54.87 2.00 473.54
4 3,750.00 416.67 49.39 2.00 468.05
5 3,333.33 416.67 43.90 2.00 462.57
6 2,916.67 416.67 38.41 2.00 457.08
7 2,500.00 416.67 32.92 2.00 451.59
8 2,083.33 416.67 27.44 2.00 446.10
9 1,666.67 416.67 21.95 2.00 440.62
10 1,250.00 416.67 16.46 2.00 435.13
11 833.33 416.67 10.97 2.00 429.64
12 416.67 416.67 5.49 2.00 424.15
5,000.00 428.01
(1)–(2)
Saldo Deuda
4,583.33
4,166.67
3,750.00
3,333.33
2,916.67
2,500.00
2,083.33
1,666.67
1,250.00
833.33
416.67
0.00
Prestamo USD 5,000.00
Tasa de Interes Anual 17.00%
Tasa de Interes mensual 1.32%
Plazo 12 meses

Cuota 453.19

PLAN DE AMORTIZACION CON CUOTAS CONSTANTES


-1 -2 -3 (2)-(3)
Nº Cuota Principal Total Cuota Interés AmortizaciónSaldo Deuda
1 5,000.00 453.19 65.85 387.34 4,612.66
2 4,612.66 453.19 60.75 392.44 4,220.22
3 4,220.22 453.19 55.58 397.61 3,822.60
4 3,822.60 453.19 50.34 402.85 3,419.76
5 3,419.76 453.19 45.04 408.15 3,011.60
6 3,011.60 453.19 39.66 413.53 2,598.08
7 2,598.08 453.19 34.22 418.97 2,179.10
8 2,179.10 453.19 28.70 424.49 1,754.61
9 1,754.61 453.19 23.11 430.08 1,324.53
10 1,324.53 453.19 17.44 435.75 888.78
11 888.78 453.19 11.70 441.48 447.30
12 447.30 453.19 5.89 447.30 0.00
438.27 5,000.00
Plan de Amortización - Cuotas Crecientes

Método de Suma de Dígitos

-1 -2 -3 (2)+(3) (1)-(2)
Nº Cuota Principal Amortización Interes Total Cuota Saldo Deuda
1 78,000.00 1,000.00 1,560.00 2,560.00 77,000.00
2 77,000.00 2,000.00 1,540.00 3,540.00 75,000.00
3 75,000.00 3,000.00 1,500.00 4,500.00 72,000.00
4 72,000.00 4,000.00 1,440.00 5,440.00 68,000.00
5 68,000.00 5,000.00 1,360.00 6,360.00 63,000.00
6 63,000.00 6,000.00 1,260.00 7,260.00 57,000.00
7 57,000.00 7,000.00 1,140.00 8,140.00 50,000.00
8 50,000.00 8,000.00 1,000.00 9,000.00 42,000.00
9 42,000.00 9,000.00 840.00 9,840.00 33,000.00
10 33,000.00 10,000.00 660.00 10,660.00 23,000.00
11 23,000.00 11,000.00 460.00 11,460.00 12,000.00
12 12,000.00 12,000.00 240.00 12,240.00 0.00
78 78,000.00 13,000.00
Prestamo USD 78,000.00
Tasa de Interes mensual 1% Tasa Efectiva 2.01%
Indice de Ajuste 1%
Plazo 12 meses

PLAN DE AMORTIZACION - CREDITO INDEXADO

Nro. Principal (2)÷(1)


Cuota Inicial Ajustado ( 2) Amortización Interés Total Cuota Saldo Deuda
12 1 78,000.00 78,780.00 6,565.00 787.80 7,352.80 72,215.00
11 2 72,215.00 72,937.15 6,630.65 729.37 7,360.02 66,306.50
10 3 66,306.50 66,969.57 6,696.96 669.70 7,366.65 60,272.61
9 4 60,272.61 60,875.33 6,763.93 608.75 7,372.68 54,111.41
8 5 54,111.41 54,652.52 6,831.57 546.53 7,378.09 47,820.96
7 6 47,820.96 48,299.17 6,899.88 482.99 7,382.87 41,399.29
6 7 41,399.29 41,813.28 6,968.88 418.13 7,387.01 34,844.40
5 8 34,844.40 35,192.84 7,038.57 351.93 7,390.50 28,154.27
4 9 28,154.27 28,435.82 7,108.95 284.36 7,393.31 21,326.86
3 10 21,326.86 21,540.13 7,180.04 215.40 7,395.45 14,360.09
2 11 14,360.09 14,503.69 7,251.84 145.04 7,396.88 7,251.84
1 12 7,251.84 7,324.36 7,324.36 73.24 7,397.61 0.00
83,260.63 5,313.24

Prestamo 100,000.00
Tasa de interes 1.5% Tasa Efectiva 1.60%
Tasa de inflacion 0.1%
Plazo 24 cuotas

PLAN DE AMORTIZACION - CREDITO INDEXADO

Nro. Principal (2)÷(1)


Cuota Inicial Ajustado ( 2) Amortización Interés Total Cuota Saldo Deuda
24 1 100,000.00 100,100.00 4,170.83 1,501.50 5,672.33 95,929.17
23 2 95,929.17 96,025.10 4,175.00 1,440.38 5,615.38 91,850.09
22 3 91,850.09 91,941.94 4,179.18 1,379.13 5,558.31 87,762.76
21 4 87,762.76 87,850.53 4,183.36 1,317.76 5,501.12 83,667.17
20 5 83,667.17 83,750.83 4,187.54 1,256.26 5,443.80 79,563.29
19 6 79,563.29 79,642.86 4,191.73 1,194.64 5,386.37 75,451.13
18 7 75,451.13 75,526.58 4,195.92 1,132.90 5,328.82 71,330.66
17 8 71,330.66 71,401.99 4,200.12 1,071.03 5,271.15 67,201.87
16 9 67,201.87 67,269.07 4,204.32 1,009.04 5,213.35 63,064.76
15 10 63,064.76 63,127.82 4,208.52 946.92 5,155.44 58,919.30
14 11 58,919.30 58,978.22 4,212.73 884.67 5,097.40 54,765.49
13 12 54,765.49 54,820.25 4,216.94 822.30 5,039.25 50,603.31
12 13 50,603.31 50,653.91 4,221.16 759.81 4,980.97 46,432.75
11 14 46,432.75 46,479.19 4,225.38 697.19 4,922.57 42,253.81
10 15 42,253.81 42,296.06 4,229.61 634.44 4,864.05 38,066.45
9 16 38,066.45 38,104.52 4,233.84 571.57 4,805.40 33,870.69
8 17 33,870.69 33,904.56 4,238.07 508.57 4,746.64 29,666.49
7 18 29,666.49 29,696.15 4,242.31 445.44 4,687.75 25,453.85
6 19 25,453.85 25,479.30 4,246.55 382.19 4,628.74 21,232.75
5 20 21,232.75 21,253.98 4,250.80 318.81 4,569.61 17,003.19
4 21 17,003.19 17,020.19 4,255.05 255.30 4,510.35 12,765.14
3 22 12,765.14 12,777.91 4,259.30 191.67 4,450.97 8,518.60
2 23 8,518.60 8,527.12 4,263.56 127.91 4,391.47 4,263.56
1 24 4,263.56 4,267.83 4,267.83 64.02 4,331.84 0.00
101,259.64 18,913.44
aldo Deuda

aldo Deuda
Prestamo USD 78,000.00
Tasa de Interes mensual 1% Tasa Efectiva 2.01%
Indice de Ajuste 1%
Plazo 12 meses

PLAN DE AMORTIZACION - CREDITO INDEXADO

Nro. Principal (2)÷(1)


Cuota Inicial Ajustado ( 2) Amortización Interés Total Cuota
78,000.00 78,780.00 0.00 787.80 0.00
79,567.80 80,363.48 0.00 803.63 0.00
12 1 81,167.11 81,978.78 6,831.57 819.79 7,651.35
11 2 75,147.22 75,898.69 6,899.88 758.99 7,658.87
10 3 68,998.81 69,688.80 6,968.88 696.89 7,665.77
9 4 62,719.92 63,347.12 7,038.57 633.47 7,672.04
8 5 56,308.55 56,871.63 7,108.95 568.72 7,677.67
7 6 49,762.68 50,260.31 7,180.04 502.60 7,682.65
6 7 43,080.26 43,511.07 7,251.84 435.11 7,686.95
5 8 36,259.22 36,621.81 7,324.36 366.22 7,690.58
4 9 29,297.45 29,590.43 7,397.61 295.90 7,693.51
3 10 22,192.82 22,414.75 7,471.58 224.15 7,695.73
2 11 14,943.16 15,092.60 7,546.30 150.93 7,697.22
1 12 7,546.30 7,621.76 7,621.76 76.22 7,697.98
86,641.35 5,528.98
Saldo Deuda
79,567.80
81,167.11
75,147.22
68,998.81
62,719.92
56,308.55
49,762.68
43,080.26
36,259.22
29,297.45
22,192.82
14,943.16
7,546.30
0.00
Prestamo US$ 78,000.00
Tasa de Interes mensual 2%
Plazo 12 meses
Plazo de Gracia 2 meses
Nueva Deuda US$ 81,151.20

PLAN DE AMORTIZACION CON CUOTAS DECRECIENTES


-1 -2 -3 (2)+(3) (1)–(2)
Mes Nº Cuota Principal Amortización Interés Total Cuota Saldo Deuda
1 78,000.00 1,560.00 0.00 79,560.00
2 79,560.00 1,591.20 81,151.20
3 1 81,151.20 6,762.60 1,623.02 8,385.62 74,388.60
4 2 74,388.60 6,762.60 1,487.77 8,250.37 67,626.00
5 3 67,626.00 6,762.60 1,352.52 8,115.12 60,863.40
6 4 60,863.40 6,762.60 1,217.27 7,979.87 54,100.80
7 5 54,100.80 6,762.60 1,082.02 7,844.62 47,338.20
8 6 47,338.20 6,762.60 946.76 7,709.36 40,575.60
9 7 40,575.60 6,762.60 811.51 7,574.11 33,813.00
10 8 33,813.00 6,762.60 676.26 7,438.86 27,050.40
11 9 27,050.40 6,762.60 541.01 7,303.61 20,287.80
12 10 20,287.80 6,762.60 405.76 7,168.36 13,525.20
13 11 13,525.20 6,762.60 270.50 7,033.10 6,762.60
14 12 6,762.60 6,762.60 135.25 6,897.85 0.00
81,151.20 10,549.66
aldo Deuda