Documentos de Académico
Documentos de Profesional
Documentos de Cultura
CAPITALIZACION DE INTERESES
ABONOS CONSTANTES
CREDITO (0)
1,000,000.00
TASA
1.17%
MESES
12
MES
SDO INICIAL
0
1 1,000,000.00
2 916,666.67
3 833,333.33
4 750,000.00
5 666,666.67
6 583,333.33
7 500,000.00
8 416,666.67
9 333,333.33
10 250,000.00
11 166,666.67
12
83,333.33
ABONO 1-12
INTERESES ABONO
11,700.00
10,725.00
9,750.00
8,775.00
7,800.00
6,825.00
5,850.00
4,875.00
3,900.00
2,925.00
1,950.00
975.00
###
###
###
###
###
###
###
###
###
###
###
###
###
PAGO
SDO FINAL
1,000,000.00
### 916,666.67
### 833,333.33
### 750,000.00
### 666,666.67
### 583,333.33
### 500,000.00
### 416,666.67
### 333,333.33
### 250,000.00
### 166,666.67
###
83,333.33
###
-
FUTURO (2)
511,768.45
ABONO 3-1251,176.84
500,000.00
505,850.00
511,768.45
460,591.60
409,414.76
358,237.91
307,061.07
255,884.22
204,707.38
153,530.53
102,353.69
51,176.84
5,850.00 5,850.00
5,918.45 5,918.45
5,987.69
###
5,388.92
###
4,790.15
###
4,191.38
###
3,592.61
###
2,993.85
###
2,395.08
###
1,796.31
###
1,197.54
###
598.77
###
PAGO
57,164.54
56,565.77
55,967.00
55,368.23
54,769.46
54,170.69
53,571.92
52,973.15
52,374.38
51,775.61
SDO FINAL
500,000.00
505,850.00
511,768.45
460,591.60
409,414.76
358,237.91
307,061.07
255,884.22
204,707.38
153,530.53
102,353.69
51,176.84
0.00
(X) ABONO = ABONO MIN + (ABONO MAX - ABONO MIN) *SDO MN / (SD
1,200,000.00
3
ABONO=?
6
800,000.00
0
500,000.00
ABONO
MINIMO
CERO
MAXIMO
130000
152405.21
160000
SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12
###
###
###
###
###
###
$964,613.95
$812,208.74
$830,889.54
$850,000.00
$100,000.00
$50,000.00
SDO FINAL
117238.52
$0.00
-39740.83
$1,200,000.00
$800,000.00
2.30%
12
2
INTERESES
$27,600.00
$46,634.80
$47,707.40
$44,202.08
$40,696.76
$37,191.44
$22,186.12
$18,680.80
$19,110.46
$19,550.00
$2,300.00
$1,150.00
PAGO
$0.00
$0.00
$200,112.61
$196,607.29
$193,101.97
$689,596.65
$174,591.33
$0.00
$0.00
$769,550.00
$52,300.00
$51,150.00
$500,000.00
$700,000.00
$50,000.00
$152,405.21
$130,000.00
SDO FINAL
###
###
###
###
###
###
$964,613.95
$812,208.74
$830,889.54
$850,000.00
$100,000.00
$50,000.00
$0.00
12
50,000.00
$500,000.00
$700,000.00
$150,000.00
$1,350,000.00
1o CREDITO (0)
2o CREDITO (1)
3o CREDITO (5)
TASA
MESES
###
###
###
### P-GRACIA
1
### ABONO EXT (7)
$7,000,000.00
### ABONO EXT (12) $5,000,000.00
### ABONO (2-6)
$2,000,000.00
1.53%
12
ABONO (8-10)
$4,435,333.33
(X) ABONO = ABONO MIN + (ABONO MAX - ABONO MIN) *SDO MN / (SDO MIN - SDO
ABONO
SDO FINAL
### $306,000.00
###
$0.00
###
###
SDO INICIAL INTERESES ABONO
MINIMO
CERO
MAXIMO
MESES
0
1
2
3
4
5
6
7
8
9
10
11
12
###
###
###
###
###
###
###
###
###
###
###
###
$306,000.00
$463,681.80
$433,081.80
$402,481.80
$371,881.80
$417,781.80
$387,181.80
$280,081.80
$212,221.20
$144,360.60
$76,500.00
$76,500.00
PAGO
-$306,000.00
0
$2,000,000.00 $2,463,681.80
$2,000,000.00 $2,433,081.80
$2,000,000.00 $2,402,481.80
$2,000,000.00 $2,371,881.80
$2,000,000.00 $2,417,781.80
$7,000,000.00 $7,387,181.80
$4,435,333.33 $4,715,415.13
$4,435,333.33 $4,647,554.53
$4,435,333.33 $4,579,693.93
$0.00
$76,500.00
$5,000,000.00 $5,076,500.00
###
###
###
###
SDO FINAL
###
###
###
###
###
###
###
###
###
###
###
###
$0.00
1
2
1 CREDITO (0)
2 CREDITO (3)
3 CREDITO (12)
P-GRACIA
TASA
MESES
###
###
###
3
1.05%
24
$180,000.00
$200,000.00
$500,000.00
###
$190,000.00
$673,515.64
(X) ABONO = ABONO MIN + (ABONO MAX - ABONO MIN) *SDO MN / (SDO MIN - SDO
ABONO
SDO FINAL
###
$742,322.87
###
$0.00
###
-$187,337.13
SDO INICIAL INTERESES
ABONO
MINIMO
CORRECTO
MAXIMO
MES
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
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
$52,500.00
$53,051.25
$53,608.29
$72,021.18
$70,887.40
$69,741.72
$68,584.00
$67,414.14
$66,231.98
$65,037.42
$63,830.31
$61,835.31
$78,740.31
$76,745.31
$74,750.31
$75,535.19
$63,213.28
$56,141.36
$49,069.45
$41,997.53
$34,925.62
$27,853.71
$20,781.79
$21,000.00
-$52,500.00
-$53,051.25
-$53,608.29
$107,978.82
$109,112.60
$110,258.28
$111,416.00
$112,585.86
$113,768.02
$114,962.58
$190,000.00
$390,000.00
$190,000.00
$190,000.00
-$74,750.31
$1,173,515.64
$673,515.64
$673,515.64
$673,515.64
$673,515.64
$673,515.64
$673,515.64
-$20,781.79
$2,000,000.00
PAGO
$0.00
$0.00
$0.00
$180,000.00
$180,000.00
$180,000.00
$180,000.00
$180,000.00
$180,000.00
$180,000.00
$253,830.31
$451,835.31
$268,740.31
$266,745.31
$0.00
###
$736,728.92
$729,657.00
$722,585.09
$715,513.17
$708,441.26
$701,369.34
$0.00
###
SDO FINAL
$5,000,000.00
$5,052,500.00
$5,105,551.25
$6,859,159.54
$6,751,180.71
$6,642,068.11
$6,531,809.83
$6,420,393.83
$6,307,807.96
$6,194,039.95
$6,079,077.37
$5,889,077.37
$7,499,077.37
$7,309,077.37
$7,119,077.37
$7,193,827.68
$6,020,312.04
$5,346,796.40
$4,673,280.76
$3,999,765.12
$3,326,249.49
$2,652,733.85
$1,979,218.21
$2,000,000.00
$0.00
1
2
1o CREDITO (0)
2o CREDITO (6)
3o CREDITO (10)
P-GRACIA
TASA
MESES
9,000,000.00
7,000,000.00
8,000,000.00
24,000,000.00
PAGO (15-24)
ABONO EXT(7)
ABONO EXT(16)
ABONO EXT(24)
ABONO (3-8)
###
500,000.00
100,000.00
700,000.00
300,000.00
ABONO (11-14)
###
(X)ABONO = ABONO MIN + (ABONO MAX - ABONO MIN) * SDO MIN / (SDO MIN -SDO MAX)
ABONO
SDO FINAL
MINIMO
1,475,000.00
6,316,995.40
CORRECTO
2,589,165.07
$0.00
MAXIMO
3,000,000.00
2,329,315.89
MESES
SDO INICIAL
INTERESES
ABONO
PAGOS
0
1
$9,000,000.00
$319,500.00 -$319,500.00
$0.00
2
$9,319,500.00
$330,842.25 -$330,842.25
$0.00
3
$9,650,342.25
$342,587.15 $300,000.00 $642,587.15
4
$9,350,342.25
$331,937.15 $300,000.00 $631,937.15
5
$9,050,342.25
$321,287.15 $300,000.00 $621,287.15
6
$8,750,342.25
$310,637.15 $300,000.00 $610,637.15
7
$15,450,342.25
$548,487.15 $800,000.00
###
8
$14,650,342.25
$520,087.15 $300,000.00 $820,087.15
9
$14,350,342.25
$509,437.15 -$509,437.15
$0.00
10
$14,859,779.40
$527,522.17 -$527,522.17
$0.00
11
$23,387,301.57
$830,249.21 $2,589,165.07
###
12
$20,798,136.50
$738,333.85 $2,589,165.07
###
13
$18,208,971.44
$646,418.49 $2,589,165.07
###
14
$15,619,806.37
$554,503.13 $2,589,165.07
###
15
$13,030,641.31
$462,587.77 $1,037,412.23
###
16
$11,993,229.07
$425,759.63 $1,174,240.37
###
17
$10,818,988.71
$384,074.10 $1,115,925.90
###
18
$9,703,062.81
$344,458.73 $1,155,541.27
###
19
$8,547,521.54
$303,437.01 $1,196,562.99
###
20
$7,350,958.55
$260,959.03 $1,239,040.97
###
21
$6,111,917.58
$216,973.07 $1,283,026.93
###
22
$4,828,890.65
$171,425.62 $1,328,574.38
###
23
$3,500,316.27
$124,261.23 $1,375,738.77
###
24
$2,124,577.50
$75,422.50 $2,124,577.50
###
ASA FUESE =0% (NO IMPORTANDO EL VALOR DEL DINERO A TRAVEZ DEL TIEMPO )
ACIN DE LA INTER-POLACION
15,000,000.00
500,000.00
100,000.00
700,000.00
1,800,000.00
18,100,000.00
SDO FINAL
$9,000,000.00
$9,319,500.00
$9,650,342.25
$9,350,342.25
$9,050,342.25
$8,750,342.25
$15,450,342.25
$14,650,342.25
$14,350,342.25
$14,859,779.40
$23,387,301.57
$20,798,136.50
$18,208,971.44
$15,619,806.37
$13,030,641.31
$11,993,229.07
$10,818,988.71
$9,703,062.81
$8,547,521.54
$7,350,958.55
$6,111,917.58
$4,828,890.65
$3,500,316.27
$2,124,577.50
$0.00
TIEMPO )
1
CALCULAR EL ABONO
2
CALCULAR EL ABONO
1o CREDITO (0) $4,000,000.00
2o CREDITO (6) $3,000,000.00
PAGO
1
CALCULAR EL ABONO
2
CALCULAR EL ABONO
1o CREDITO (0) $4,000,000.00
2o CREDITO (6) $3,000,000.00
P-GRACIA
TASA
MESES
3
1.90%
24
CREDITO (9)
###
(X) CREDITO = CREDITO MIN + (CREDITO MAX - CREDITO MIN) * SDO MIN / (SDO MIN - SDO
CREDITO
SDO FINAL
MINIMO
###
###
CORRECTO
###
MAXIMO
### -$757,656.06
MESES
SDO INICIAL
INTERESES
ABONO
PAGO
0
1 $4,000,000.00 $76,000.00
-$76,000.00
0
2 $4,076,000.00 $77,444.00
-$77,444.00
0
3 $4,153,444.00 $78,915.44
-$78,915.44
0
4 $4,232,359.44 $80,414.83 $900,000.00 $980,414.83
5 $3,332,359.44 $63,314.83 $900,000.00 $963,314.83
6 $2,432,359.44 $46,214.83 $900,000.00 $946,214.83
7 $4,532,359.44 $86,114.83 $900,000.00 $986,114.83
8 $3,632,359.44 $69,014.83 $900,000.00 $969,014.83
9 $2,732,359.44 $51,914.83 $1,948,085.17
$0.00
10
### $331,759.42 -$331,759.42
$0.00
11
### $338,062.85 $1,461,937.15 $1,800,000.00
12
### $310,286.05 $1,489,713.95 $1,800,000.00
13
### $281,981.48 $1,518,018.52 $1,800,000.00
14
### $253,139.13 $1,546,860.87 $1,800,000.00
15
### $223,748.77 $1,576,251.23 $1,800,000.00
16
### $193,800.00 $1,800,000.00 $1,993,800.00
17 $8,400,000.00 $159,600.00 $800,000.00 $959,600.00
18 $7,600,000.00 $144,400.00 $800,000.00 $944,400.00
19 $6,800,000.00 $129,200.00 $800,000.00 $929,200.00
20 $6,000,000.00 $114,000.00 $2,800,000.00 $2,914,000.00
21 $3,200,000.00 $60,800.00 $800,000.00 $860,800.00
22 $2,400,000.00 $45,600.00 $800,000.00 $845,600.00
23 $1,600,000.00 $30,400.00 $800,000.00 $830,400.00
24
$800,000.00 $15,200.00 $800,000.00 $815,200.00
SDO FINAL
$4,000,000.00
$4,076,000.00
$4,153,444.00
$4,232,359.44
$3,332,359.44
$2,432,359.44
$4,532,359.44
$3,632,359.44
$2,732,359.44
$17,461,022.29
$17,792,781.72
$16,330,844.57
$14,841,130.62
$13,323,112.10
$11,776,251.23
$10,200,000.00
$8,400,000.00
$7,600,000.00
$6,800,000.00
$6,000,000.00
$3,200,000.00
$2,400,000.00
$1,600,000.00
$800,000.00
$0.00
CALCULAR EL ABONO CONSTANTE, COMO SI LA TASA FUESE =0% (NO IMPORTANDO EL VAL
CALCULAR EL ABONO CONSTANTE CON LA APLICACIN DE LA INTER-POLACION
9,000,000.00
7,000,000.00
8,000,000.00
2
3.55%
24
9,000,000.00
7,000,000.00
8,000,000.00
24,000,000.00
PAGO (15-24)
ABONO EXT(7)
ABONO EXT(16)
ABONO EXT(24)
ABONO (3-8)
1,500,000.00
500,000.00
100,000.00
700,000.00
300,000.00
ABONO (11-14)
2,589,165.07
NO = ABONO MIN + (ABONO MAX - ABONO MIN) * SDO MIN / (SDO MIN -SDO MAX)
ABONO
SDO FINAL
1,475,000.00
6,316,995.40
2,589,165.07
3,000,000.00
2,329,315.89
SDO INICIAL
INTERESES
ABONO
PAGOS
9,000,000.00
9,319,500.00
9,650,342.25
9,350,342.25
9,050,342.25
8,750,342.25
15,450,342.25
14,650,342.25
14,350,342.25
14,859,779.40
23,387,301.57
20,798,136.50
18,208,971.44
15,619,806.37
13,030,641.31
11,993,229.07
10,818,988.71
9,703,062.81
8,547,521.54
7,350,958.55
6,111,917.58
4,828,890.65
3,500,316.27
2,124,577.50
319,500.00
330,842.25
342,587.15
331,937.15
321,287.15
310,637.15
548,487.15
520,087.15
509,437.15
527,522.17
830,249.21
738,333.85
646,418.49
554,503.13
462,587.77
425,759.63
384,074.10
344,458.73
303,437.01
260,959.03
216,973.07
171,425.62
124,261.23
75,422.50
319,500.00
330,842.25
300,000.00
300,000.00
300,000.00
300,000.00
800,000.00
300,000.00
509,437.15
527,522.17
2,589,165.07
2,589,165.07
2,589,165.07
2,589,165.07
1,037,412.23
1,174,240.37
1,115,925.90
1,155,541.27
1,196,562.99
1,239,040.97
1,283,026.93
1,328,574.38
1,375,738.77
2,124,577.50
0
0
642,587.15
631,937.15
621,287.15
610,637.15
1,348,487.15
820,087.15
3,419,414.27
3,327,498.91
3,235,583.55
3,143,668.19
1,500,000.00
1,600,000.00
1,500,000.00
1,500,000.00
1,500,000.00
1,500,000.00
1,500,000.00
1,500,000.00
1,500,000.00
2,200,000.00
SDO FINAL
9,000,000.00
9,319,500.00
9,650,342.25
9,350,342.25
9,050,342.25
8,750,342.25
15,450,342.25
14,650,342.25
14,350,342.25
14,859,779.40
23,387,301.57
20,798,136.50
18,208,971.44
15,619,806.37
13,030,641.31
11,993,229.07
10,818,988.71
9,703,062.81
8,547,521.54
7,350,958.55
6,111,917.58
4,828,890.65
3,500,316.27
2,124,577.50
0.00
EXAMEN
1o CREDITO (0)
2o CREDITO (6)
3o CREDITO (12)
P-GRACIA
TASA
MESES
9,000,000
7,000,000
8,000,000
2
1.55%
24
9,000,000
7,000,000
8,000,000
24,000,000
PAGO (15-23)
500,000
900,000
4,500,000
1,500,000
1,000,000
700,000
5,400,000
13,100,000
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
9,000,000
9,139,500
9,281,162
8,381,162
7,481,162
6,581,162
12,681,162
10,281,162
9,381,162
9,526,570
9,674,232
6,448,271
11,222,310
7,996,350
4,770,389
4,344,330
3,911,667
3,472,298
3,026,118
2,573,023
2,112,905
1,645,655
1,171,163
689,316
139,500.00
141,662.25
143,858.01
129,908.01
115,958.01
102,008.01
196,558.01
159,358.01
145,408.01
147,661.84
149,950.60
99,948.20
173,945.81
123,943.42
73,941.02
67,337.11
60,630.83
53,820.61
46,904.83
39,881.86
32,750.03
25,507.65
18,153.02
10,684.39
2,399,279.58
139,500.00
0
141,662.25
0
900,000.00 1,043,858.01
900,000.00 1,029,908.01
900,000.00 1,015,958.01
900,000.00 1,002,008.01
2,400,000.00 2,596,558.01
900,000.00 1,059,358.01
145,408.01
147,661.84
3,225,960.87 3,375,911.46
3,225,960.87 3,325,909.07
3,225,960.87 3,399,906.68
3,225,960.87 3,349,904.28
426,058.98 500,000.00
432,662.89 500,000.00
439,369.17 500,000.00
446,179.39 500,000.00
453,095.17 500,000.00
460,118.14 500,000.00
467,249.97 500,000.00
474,492.35 500,000.00
481,846.98 500,000.00
689,315.61
### 700,000.00
25,699,280
9,000,000
9,139,500
9,281,162
8,381,162
7,481,162
6,581,162
12,681,162
10,281,162
9,381,162
9,526,570
9,674,232
6,448,271
11,222,310
7,996,350
4,770,389
4,344,330
3,911,667
3,472,298
3,026,118
2,573,023
2,112,905
1,645,655
1,171,163
689,316
-
ABONO
MINIMO
CORRECTO
MAXIMO
SDO FINAL
###
###
###
$0.00
###
###