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Se pide elaborar la respectiva tabla de amortizacin bajo cada uno de los sistemas:
cuotas iguales y amortizaciones iguales. Vuelva a calcular con 6 meses de Gracia.
TEA
FRECUENCIA
TET
PLAZO (t)
10.00%
4
2.4114%
12 Trimestres
Ejercicio 1
Cuotas Iguales
Cuota
Amortizaciones Iguales
Interes
Cuota
Saldo Final
Cuota
200,000
14,570
4,823
19,393
185,430
185,430
14,922
4,471
19,393
170,508
170,508
15,281
4,112
19,393
155,227
155,227
15,650
3,743
19,393
139,577
139,577
16,027
3,366
19,393
123,550
123,550
16,414
2,979
19,393
107,136
107,136
16,809
2,583
19,393
90,327
90,327
17,215
2,178
19,393
73,112
73,112
17,630
1,763
19,393
55,482
10
55,482
18,055
1,338
19,393
37,427
10
11
37,427
18,490
902
19,393
18,936
11
12
18,936
TOTALES
18,936
457
19,393
200,000
32,715
232,715
(0)
12
Ejercicio 2
Cuotas Iguales (Plazo de Gracia Total por 6 meses)
Cuota
200,000
2
3
Interes
(4,823)
4,823
204,823
(4,939)
209,762
18,799
190,962
171,710
6
7
Saldo Final
Cuota
204,823
4,939
209,762
5,058
23,857
190,962
19,253
4,605
23,857
171,710
19,717
4,141
23,857
151,993
151,993
20,192
3,665
23,857
131,800
131,800
20,679
3,178
23,857
111,121
111,121
21,178
2,680
23,857
89,943
89,943
21,689
2,169
23,857
68,255
10
68,255
22,212
1,646
23,857
46,043
10
11
46,043
22,747
1,110
23,857
23,296
11
12
23,296
TOTALES
Ejercicio 3
23,296
562
23,857
200,000
38,575
238,575
(0)
12
Interes
Cuota
Cuota
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
17,924
4,823
22,747
182,076
182,076
18,357
4,391
22,747
163,719
163,719
18,799
3,948
22,747
144,919
144,919
19,253
3,495
22,747
125,667
125,667
19,717
3,030
22,747
105,950
105,950
20,192
2,555
22,747
85,757
85,757
20,679
2,068
22,747
65,078
10
65,078
21,178
1,569
22,747
43,900
10
11
43,900
21,689
1,059
22,747
22,212
11
12
22,212
22,212
536
22,747
200,000
37,118
237,118
TOTALES
(0)
12
Ejercicio 4
Amortizacin Bullet
Cuota
Cupn Cero
Interes
Cuota
Saldo Final
Cuota
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
10
200,000
4,823
4,823
200,000
10
11
200,000
4,823
4,823
200,000
11
12
200,000
200,000
4,823
204,823
12
200,000
57,873
257,873
TOTALES
Amortizaciones Iguales
Saldo Inicial Amortizacin
Interes
Cuota
Saldo Final
200,000
16,667
4,823
21,489
183,333
183,333
16,667
4,421
21,088
166,667
166,667
16,667
4,019
20,686
150,000
150,000
16,667
3,617
20,284
133,333
133,333
16,667
3,215
19,882
116,667
116,667
16,667
2,813
19,480
100,000
100,000
16,667
2,411
19,078
83,333
83,333
16,667
2,009
18,676
66,667
66,667
16,667
1,608
18,274
50,000
50,000
16,667
1,206
17,872
33,333
33,333
16,667
804
17,470
16,667
0
16,667
TOTALES
16,667
402
17,069
200,000
31,348
231,348
Interes
4,823
204,823
209,762
20,976
188,786
167,809
Cuota
Saldo Final
0
204,823
4,939
209,762
5,058
26,034
188,786
20,976
4,552
25,528
167,809
20,976
4,047
25,023
146,833
146,833
20,976
3,541
24,517
125,857
125,857
20,976
3,035
24,011
104,881
104,881
20,976
2,529
23,505
83,905
83,905
20,976
2,023
22,999
62,929
62,929
20,976
1,517
22,494
41,952
41,952
20,976
1,012
21,988
20,976
20,976
TOTALES
20,976
506
21,482
209,762
37,581
247,343
(0)
Interes
Cuota
Saldo Final
200,000
4,823
4,823
200,000
200,000
4,823
4,823
200,000
200,000
20,000
4,823
24,823
180,000
180,000
20,000
4,340
24,340
160,000
160,000
20,000
3,858
23,858
140,000
140,000
20,000
3,376
23,376
120,000
120,000
20,000
2,894
22,894
100,000
100,000
20,000
2,411
22,411
80,000
80,000
20,000
1,929
21,929
60,000
60,000
20,000
1,447
21,447
40,000
40,000
20,000
965
20,965
20,000
20,000
20,000
482
20,482
200,000
36,171
236,171
TOTALES
Cupn Cero
Saldo Inicial Amortizacin
Interes
Cuota
Saldo Final
200,000
4,823
204,823
204,823
4,939
209,762
209,762
5,058
214,820
214,820
5,180
220,000
220,000
5,305
225,305
225,305
5,433
230,738
230,738
5,564
236,302
236,302
5,698
242,000
242,000
5,836
247,836
247,836
5,976
253,812
253,812
6,120
259,932
259,932
259,932
6,268
266,200
259,932
66,200
266,200
TOTALES