Problema 3: AMORTIZACION DE CAPITAL CONSTANTE

Elabore una tabla de amortizacion para la adquisicion de una vivienda cuyo precio al contado es de 60500 con una entrada d
financiado a 10 aos plazos con amortizacion constante de capital a fin de cada mes a una tasa de interes del 7% anual

60500
30%
18150
42350
10
120
352.92

Precio Contado
Porcentaje Entrada
Valor Entrada
Saldo Financiar
Aos
Numero Pagos
Amortizacion
Periodo

Saldo Inicial

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

Intereses

Abono Capital

42350.00
41997.08
41644.17
41291.25
40938.33
40585.42
40232.50
39879.58
39526.67
39173.75
38820.83
38467.92
38115.00
37762.08
37409.17
37056.25
36703.33
36350.42
35997.50
35644.58
35291.67
34938.75
34585.83
34232.92
33880.00
33527.08
33174.17
32821.25
32468.33
32115.42
31762.50

239.45
237.46
235.46
233.47
231.47
229.48
227.48
225.48
223.49
221.49
219.50
217.50
215.51
213.51
211.52
209.52
207.53
205.53
203.54
201.54
199.54
197.55
195.55
193.56
191.56
189.57
187.57
185.58
183.58
181.59
179.59

352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78

31409.58
31056.67
30703.75
30350.83
29997.92
29645.00
29292.08
28939.17
28586.25
28233.33
27880.42
27527.50
27174.58
26821.67
26468.75
26115.83
25762.92
25410.00
25057.08
24704.17
24351.25
23998.33
23645.42
23292.50
22939.58
22586.67
22233.75
21880.83
21527.92
21175.00
20822.08
20469.17
20116.25
19763.33
19410.42
19057.50
18704.58
18351.67
17998.75
17645.83
17292.92
16940.00
16587.08
16234.17
15881.25
15528.33
15175.42

177.59
175.60
173.60
171.61
169.61
167.62
165.62
163.63
161.63
159.64
157.64
155.64
153.65
151.65
149.66
147.66
145.67
143.67
141.68
139.68
137.69
135.69
133.69
131.70
129.70
127.71
125.71
123.72
121.72
119.73
117.73
115.74
113.74
111.74
109.75
107.75
105.76
103.76
101.77
99.77
97.78
95.78
93.79
91.79
89.79
87.80
85.80

352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

14822.50
14469.58
14116.67
13763.75
13410.83
13057.92
12705.00
12352.08
11999.17
11646.25
11293.33
10940.42
10587.50
10234.58
9881.67
9528.75
9175.83
8822.92
8470.00
8117.08
7764.17
7411.25
7058.33
6705.42
6352.50
5999.58
5646.67
5293.75
4940.83
4587.92
4235.00
3882.08
3529.17
3176.25
2823.33
2470.42
2117.50
1764.58
1411.67
1058.75
705.83
352.92

83.81
81.81
79.82
77.82
75.83
73.83
71.84
69.84
67.85
65.85
63.85
61.86
59.86
57.87
55.87
53.88
51.88
49.89
47.89
45.90
43.90
41.90
39.91
37.91
35.92
33.92
31.93
29.93
27.94
25.94
23.95
21.95
19.95
17.96
15.96
13.97
11.97
9.98
7.98
5.99
3.99
2.00
14486.91

352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92
352.92

al contado es de 60500 con una entrada del 30% y el saldo

a una tasa de interes del 7% anual

Periodos (m)
Efectiva Anual(Ia)
Tasa Nominal (j)
Interes Mensual

Cuota a Pagar

Saldo final
-

592.37
590.37
588.38
586.38
584.39
582.39
580.40
578.40
576.41
574.41
572.42
570.42
568.42
566.43
564.43
562.44
560.44
558.45
556.45
554.46
552.46
550.47
548.47
546.47
544.48
542.48
540.49
538.49
536.50
534.50
532.51

42350.00
41997.08
41644.17
41291.25
40938.33
40585.42
40232.50
39879.58
39526.67
39173.75
38820.83
38467.92
38115.00
37762.08
37409.17
37056.25
36703.33
36350.42
35997.50
35644.58
35291.67
34938.75
34585.83
34232.92
33880.00
33527.08
33174.17
32821.25
32468.33
32115.42
31762.50
31409.58

12
0.07
0.06784974
0.00565415

530.51
528.52
526.52
524.52
522.53
520.53
518.54
516.54
514.55
512.55
510.56
508.56
506.57
504.57
502.57
500.58
498.58
496.59
494.59
492.60
490.60
488.61
486.61
484.62
482.62
480.62
478.63
476.63
474.64
472.64
470.65
468.65
466.66
464.66
462.67
460.67
458.68
456.68
454.68
452.69
450.69
448.70
446.70
444.71
442.71
440.72
438.72

31056.67
30703.75
30350.83
29997.92
29645.00
29292.08
28939.17
28586.25
28233.33
27880.42
27527.50
27174.58
26821.67
26468.75
26115.83
25762.92
25410.00
25057.08
24704.17
24351.25
23998.33
23645.42
23292.50
22939.58
22586.67
22233.75
21880.83
21527.92
21175.00
20822.08
20469.17
20116.25
19763.33
19410.42
19057.50
18704.58
18351.67
17998.75
17645.83
17292.92
16940.00
16587.08
16234.17
15881.25
15528.33
15175.42
14822.50

436.73
434.73
432.73
430.74
428.74
426.75
424.75
422.76
420.76
418.77
416.77
414.78
412.78
410.78
408.79
406.79
404.80
402.80
400.81
398.81
396.82
394.82
392.83
390.83
388.83
386.84
384.84
382.85
380.85
378.86
376.86
374.87
372.87
370.88
368.88
366.88
364.89
362.89
360.90
358.90
356.91
354.91
56836.91

14469.58
14116.67
13763.75
13410.83
13057.92
12705.00
12352.08
11999.17
11646.25
11293.33
10940.42
10587.50
10234.58
9881.67
9528.75
9175.83
8822.92
8470.00
8117.08
7764.17
7411.25
7058.33
6705.42
6352.50
5999.58
5646.67
5293.75
4940.83
4587.92
4235.00
3882.08
3529.17
3176.25
2823.33
2470.42
2117.50
1764.58
1411.67
1058.75
705.83
352.92
0.00

Problema 4: AMORTIZACION METODO ALEMAN

Elabore una tabla de amortizacion para el financiamiento de un vehiculo cuyo precio al contado es 32885 con una entrada de
financiado a 5 aos plazos y con pagos de dividendos crecientes a fin de mes a una tasa de interes del 13.45%

32885
40%
13154
19731
60
1830

Precio Contado
Porcentaje Entrada
Valor Entrada
Saldo Financiar
Numero de Pagos
Progresion

Periodo

Saldo Inicial

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

Intereses

Saldo Ini+Interes

Abono +Interes

Saldo Final

19731.00
19720.22
19698.65
19666.31
19623.18
19569.27
19504.58
19429.10
19342.85
19245.81
19137.99
19019.39
18890.01
18749.84
18598.89
18437.16
18264.65
18081.36
17887.28
17682.43
17466.79
17240.37
17003.16
16755.18
16496.41
16226.86
15946.53
15655.42
15353.52
15040.84

208.59
208.47
208.24
207.90
207.45
206.88
206.19
205.39
204.48
203.46
202.32
201.06
199.70
198.21
196.62
194.91
193.08
191.15
189.10
186.93
184.65
182.26
179.75
177.13
174.39
171.54
168.58
165.50
162.31
159.00

19939.59
19928.69
19906.90
19874.21
19830.63
19776.15
19710.77
19634.50
19547.33
19449.27
19340.31
19220.45
19089.70
18948.05
18795.51
18632.07
18457.74
18272.51
18076.38
17869.36
17651.44
17422.62
17182.91
16932.30
16670.80
16398.40
16115.11
15820.92
15515.83
15199.85

219.37
230.04
240.59
251.03
261.36
271.57
281.67
291.65
301.52
311.28
320.92
330.45
339.86
349.16
358.35
367.42
376.38
385.22
393.95
402.57
411.07
419.46
427.73
435.89
443.94
451.87
459.69
467.40
474.99
482.46

19731.00
19720.22
19698.65
19666.31
19623.18
19569.27
19504.58
19429.10
19342.85
19245.81
19137.99
19019.39
18890.01
18749.84
18598.89
18437.16
18264.65
18081.36
17887.28
17682.43
17466.79
17240.37
17003.16
16755.18
16496.41
16226.86
15946.53
15655.42
15353.52
15040.84
14717.39

31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

14717.39
14383.14
14038.12
13682.32
13315.73
12938.36
12550.21
12151.28
11741.56
11321.07
10889.79
10447.73
9994.88
9531.26
9056.85
8571.66
8075.69
7568.94
7051.41
6523.09
5983.99
5434.11
4873.45
4302.00
3719.78
3126.77
2522.98
1908.41
1283.05
646.92

155.58
152.05
148.40
144.64
140.77
136.78
132.67
128.46
124.13
119.68
115.12
110.45
105.66
100.76
95.74
90.62
85.37
80.01
74.54
68.96
63.26
57.45
51.52
45.48
39.32
33.05
26.67
20.17
13.56
6.84
8412.97

14872.97
14535.20
14186.53
13826.96
13456.50
13075.14
12682.88
12279.73
11865.69
11440.75
11004.91
10558.17
10100.54
9632.02
9152.60
8662.28
8161.07
7648.96
7125.95
6592.05
6047.25
5491.56
4924.97
4347.48
3759.10
3159.83
2549.65
1928.58
1296.62
653.76

489.83
497.07
504.21
511.23
518.14
524.93
531.61
538.17
544.62
550.96
557.18
563.29
569.29
575.17
580.93
586.59
592.12
597.55
602.86
608.06
613.14
618.11
622.96
627.70
632.33
636.84
641.24
645.53
649.70
653.76
28143.97

14383.14
14038.12
13682.32
13315.73
12938.36
12550.21
12151.28
11741.56
11321.07
10889.79
10447.73
9994.88
9531.26
9056.85
8571.66
8075.69
7568.94
7051.41
6523.09
5983.99
5434.11
4873.45
4302.00
3719.78
3126.77
2522.98
1908.41
1283.05
646.92
0.00

al contado es 32885 con una entrada del 40% y el saldo

asa de interes del 13.45%

Periodos (n)
Efectiva Anual(Ia)
Tasa Nominal (j)
Interes Mensual

12
0.1345
0.12685788
0.01057149

Abono Capital
-

10.78
21.56
32.35
43.13
53.91
64.69
75.47
86.26
97.04
107.82
118.60
129.38
140.17
150.95
161.73
172.51
183.29
194.08
204.86
215.64
226.42
237.20
247.99
258.77
269.55
280.33
291.11
301.90
312.68
323.46

Fecha
1/2/2014
2/2/2014
3/2/2014
4/2/2014
5/2/2014
6/2/2014
7/2/2014
8/2/2014
9/2/2014
10/2/2014
11/2/2014
12/2/2014
1/2/2015
2/2/2015
3/2/2015
4/2/2015
5/2/2015
6/2/2015
7/2/2015
8/2/2015
9/2/2015
10/2/2015
11/2/2015
12/2/2015
1/2/2016
2/2/2016
3/2/2016
4/2/2016
5/2/2016
6/2/2016
7/2/2016

334.24
345.02
355.80
366.59
377.37
388.15
398.93
409.71
420.50
431.28
442.06
452.84
463.62
474.41
485.19
495.97
506.75
517.53
528.32
539.10
549.88
560.66
571.44
582.23
593.01
603.79
614.57
625.35
636.14
646.92
19731.00

8/2/2016
9/2/2016
10/2/2016
11/2/2016
12/2/2016
1/2/2017
2/2/2017
3/2/2017
4/2/2017
5/2/2017
6/2/2017
7/2/2017
8/2/2017
9/2/2017
10/2/2017
11/2/2017
12/2/2017
1/2/2018
2/2/2018
3/2/2018
4/2/2018
5/2/2018
6/2/2018
7/2/2018
8/2/2018
9/2/2018
10/2/2018
11/2/2018
12/2/2018
1/2/2019

Problema 4: AMORTIZACION METODO ALEMAN

Elabore una tabla de amortizacion para el financiamiento de una maquinaria cuyo precio de contado es $23000 con una entr
financiado a 8 aos plazos y con pagos de dividendos iguales a fin de bimestre a una tasa de interes efectivo anual del 15.78%

23000
30%
6900
16100
8
48
6
667.55

Precio Contado
Porcentaje Entrada
Valor Entrada
Saldo Financiar
Aos
Numero Pagos
Periodos Gracia
Dividendo
Periodo

Saldo Inicial

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

Intereses

Saldo Ini+Interes

Abono +Interes

16100.00
16498.01
16905.85
17323.78
17752.04
18190.89
18640.58
18433.85
18222.00
18004.92
17782.47
17554.52
17320.94
17081.58
16836.31
16584.97
16327.42
16063.50
15793.06
15515.93
15231.95
14940.95
14642.76
14337.20
14024.08
13703.22
13374.43
13037.51
12692.26
12338.48

398.01
407.85
417.93
428.26
438.85
449.69
460.81
455.70
450.46
445.10
439.60
433.96
428.19
422.27
416.21
410.00
403.63
397.10
390.42
383.57
376.55
369.35
361.98
354.43
346.69
338.76
330.63
322.30
313.76
305.02

16498.01
16905.85
17323.78
17752.04
18190.89
18640.58
19101.39
18889.55
18672.46
18450.02
18222.07
17988.49
17749.13
17503.85
17252.52
16994.96
16731.05
16460.60
16183.48
15899.50
15608.50
15310.31
15004.74
14691.62
14370.77
14041.98
13705.06
13359.81
13006.03
12643.50

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55

Saldo Final

16100.00
16498.01
16905.85
17323.78
17752.04
18190.89
18640.58
18433.85
18222.00
18004.92
17782.47
17554.52
17320.94
17081.58
16836.31
16584.97
16327.42
16063.50
15793.06
15515.93
15231.95
14940.95
14642.76
14337.20
14024.08
13703.22
13374.43
13037.51
12692.26
12338.48
11975.95

31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54

11975.95
11604.46
11223.79
10833.70
10433.98
10024.37
9604.63
9174.52
8733.78
8282.14
7819.33
7345.09
6859.12
6361.14
5850.84
5327.93
4792.10
4243.02
3680.36
3103.80
2512.98
1907.56
1287.17
651.44

296.06
286.87
277.46
267.82
257.94
247.81
237.44
226.80
215.91
204.74
193.30
181.58
169.56
157.25
144.64
131.71
118.46
104.89
90.98
76.73
62.12
47.16
31.82
16.10
15942.22

12272.01
11891.34
11501.25
11101.52
10691.91
10272.18
9842.07
9401.32
8949.68
8486.88
8012.63
7526.67
7028.68
6518.39
5995.48
5459.65
4910.56
4347.91
3771.35
3180.53
2575.10
1954.71
1318.99
667.55

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55
667.55

32,042.22

11604.46
11223.79
10833.70
10433.98
10024.37
9604.63
9174.52
8733.78
8282.14
7819.33
7345.09
6859.12
6361.14
5850.84
5327.93
4792.10
4243.02
3680.36
3103.80
2512.98
1907.56
1287.17
651.44
0.00

ecio de contado es $23000 con una entrada del 30% y el saldo

tasa de interes efectivo anual del 15.78% y con 12 meses de gracia

Periodos (m)
Efectiva Anual(Ia)
Tasa Nominal (j)
Interes Bimestral

Abono Capital

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

206.73
211.85
217.08
222.45
227.95
233.58
239.36
245.27
251.34
257.55
263.92
270.44
277.13
283.98
291.00
298.19
305.56
313.12
320.86
328.79
336.92
345.25
353.78
362.53

6
0.1578
0.14832535
0.02472089

Fecha
1/2/2014
3/2/2014
5/2/2014
7/2/2014
9/2/2014
11/2/2014
1/2/2015
3/2/2015
3/3/2015
3/4/2015
3/5/2015
3/6/2015
3/7/2015
3/8/2015
3/9/2015
3/10/2015
3/11/2015
3/12/2015
3/13/2015
3/14/2015
3/15/2015
3/16/2015
3/17/2015
3/18/2015
3/19/2015
3/20/2015
3/21/2015
3/22/2015
3/23/2015
3/24/2015
3/25/2015

15942.22

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

371.49
380.67
390.08
399.73
409.61
419.73
430.11
440.74
451.64
462.80
474.25
485.97
497.98
510.29
522.91
535.84
549.08
562.66
576.56
590.82
605.42
620.39
635.73
651.44

18,640.58

3/26/2015
3/27/2015
3/28/2015
3/29/2015
3/30/2015
3/31/2015
4/1/2015
4/2/2015
4/3/2015
4/4/2015
4/5/2015
4/6/2015
4/7/2015
4/8/2015
4/9/2015
4/10/2015
4/11/2015
4/12/2015
4/13/2015
4/14/2015
4/15/2015
4/16/2015
4/17/2015
4/18/2015