Desarrolle los siguientes ejercicios aplicando los mtodos francs, alemn e

Cul es cuota a pagar durante doce bimestres por un prstamo de 34000

mensualmente por el dinero prestado?

Cul es la cuota a pagar mensualmente durante dos aos y medio, por un pr

aplica una tasa de inters del 60% anual liquidable cuatrimestralmente?

Cul es cuota a pagar durante diez trimestres por un prstamo de 20000

bimestralmente por el dinero prestado?

Cul es la cuota bimestral a pagar durante dos aos por un prstamo de 9500 si
inters del 79% anual?

- Utilice el formato monetario de soles.

- Indique correctamente las unidades de tiempo utilizadas para la tasa de inters y el horizionte.

todos francs, alemn e ingls de amortizacin de una deuda.

s por un prstamo de 34000, si se cobra 70% anual capitalizable

dos aos y medio, por un prstamo de 5000, si la entidad financiera

cuatrimestralmente?

s por un prstamo de 20000, si se cobra 60% anual capitalizable

os por un prstamo de 9500 si la entidad financiera aplica una tasa de

nters y el horizionte.

1. Cul es cuota a pagar durante doce bimestres por un prstamo de 34000, si se cobra 70
mensualmente por el dinero prestado?

DATOS DE LA APLIACIN
P=
S/. 34,000.00
i=
70%
n=
12

anual capitalizable mensualmente

bimestres

FORMAS DE CALCULAR LA CUOTA

1ra. Forma
R= P

i(1+i)n

(1+i)n-1

5404.339182

CUADRO DE AMORTIZACIN DE LA DEUDA

SALDO
BIMESTRES
INICIAL
0
1
S/. 34,000.00
2
S/. 32,562.33
3
S/. 30,956.93
4
S/. 29,164.23
5
S/. 27,162.38
6
S/. 24,926.99
7
S/. 22,430.80
8
S/. 19,643.39
9
S/. 16,530.77
10
S/. 13,055.03
11
S/. 9,173.77
12
S/. 4,839.71

2da. Forma

i(1+i)n
FRC=
(1+i)n-1

INTERS

S/. 3,966.67
S/. 3,798.94
S/. 3,611.64
S/. 3,402.49
S/. 3,168.94
S/. 2,908.15
S/. 2,616.93
S/. 2,291.73
S/. 1,928.59
S/. 1,523.09
S/. 1,070.27
S/. 564.63
S/. 30,852.07

0.158951152

AMORTIZACIN

S/. 1,437.67
S/. 1,605.40
S/. 1,792.70
S/. 2,001.85
S/. 2,235.39
S/. 2,496.19
S/. 2,787.41
S/. 3,112.61
S/. 3,475.75
S/. 3,881.25
S/. 4,334.07
S/. 4,839.71
S/. 34,000.00

un prstamo de 34000, si se cobra 70% anual capitalizable

or el dinero prestado?

12% bimestral
12% bimestral

ma

3ra Forma =PAGO()

R=P*FRC
5404.34

PAGO O
CUOTA
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 5,404.34
S/. 64,852.07

5404.339182

SALDO
FINAL
S/. 34,000.00
S/. 32,562.33
S/. 30,956.93
S/. 29,164.23
S/. 27,162.38
S/. 24,926.99
S/. 22,430.80
S/. 19,643.39
S/. 16,530.77
S/. 13,055.03
S/. 9,173.77
S/. 4,839.71
S/. 0.00

PARA CALCULAR EL INTERS Y LA AMORTIZACIN DE UN PERODO

EN EL BIMESTRE
9
Inters =PAGOINT()
S/. 1,928.59
Amortizacin =PAGOPRIN()
S/. 3,475.75

1. Cul es cuota a pagar durante doce bimestres por un prstamo de 34000, si se cobra 70%
anual capitalizable mensualmente por el dinero prestado?
DATOS DE LA APLIACIN
P=
S/. 34,000.00
i=
70.00%
n=
12

Anual capitalizable mensualmente

Bimestres

11.67%
11.67%

CUADRO DE AMORTIZACIN DE LA DEUDA

BIMESTRES
0
1
2
3
4
5
6
7
8
9
10
11
12

SALDO
INICIAL
S/. 34,000.00
S/. 31,166.67
S/. 28,333.33
S/. 25,500.00
S/. 22,666.67
S/. 19,833.33
S/. 17,000.00
S/. 14,166.67
S/. 11,333.33
S/. 8,500.00
S/. 5,666.67
S/. 2,833.33

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 3,966.67
S/. 3,636.11
S/. 3,305.56
S/. 2,975.00
S/. 2,644.44
S/. 2,313.89
S/. 1,983.33
S/. 1,652.78
S/. 1,322.22
S/. 991.67
S/. 661.11
S/. 330.56
S/. 25,783.33

S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 2,833.33
S/. 34,000.00

S/. 6,800.00
S/. 6,469.44
S/. 6,138.89
S/. 5,808.33
S/. 5,477.78
S/. 5,147.22
S/. 4,816.67
S/. 4,486.11
S/. 4,155.56
S/. 3,825.00
S/. 3,494.44
S/. 3,163.89
S/. 59,783.33

amo de 34000, si se cobra 70%

ero prestado?

bimestral
bimestral

SALDO
FINAL
S/. 34,000.00
S/. 31,166.67
S/. 28,333.33
S/. 25,500.00
S/. 22,666.67
S/. 19,833.33
S/. 17,000.00
S/. 14,166.67
S/. 11,333.33
S/. 8,500.00
S/. 5,666.67
S/. 2,833.33
S/. 0.00

1. Cul es cuota a pagar durante doce bimestres por un prstamo de 34000, si se cobra
70% anual capitalizable mensualmente por el dinero prestado?
DATOS DE LA APLIACIN
P=
S/. 34,000.00
i=
70%
n=
12

ANUAL CAPITALIZABLE MENSUALMENTE

BIMESTRES

CUADRO DE AMORTIZACIN DE LA DEUDA

BIIMESTRES

SALDO
0
1
2
3
4
5
6
7
8
9
10
11
12

S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00

INTERS
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 47,600.00

AMORTIZACIN
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 34,000.00
S/. 34,000.00

PAGO O
CUOTA

S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 3,966.67
S/. 37,966.67
S/. 77,633.33

n prstamo de 34000, si se cobra

r el dinero prestado?

12% BIMESTRAL
12% BIMESTRAL

SALDO
FINAL
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 34,000.00
S/. 0.00

2. Cul es la cuota a pagar mensualmente durante dos aos y medio, por un prstamo de 500
una tasa de inters del 60% anual liquidable cuatrimestralment

DATOS DE LA APLIACIN
P=
S/. 5,000.00
i=
n=

60%
30

anual capitalizable
cuatrimestralmente
Meses

1.5 AOS

FORMAS DE CALCULAR LA CUOTA

1ra. Forma
R= P

i(1+i)n
(1+i)n-1

312.8890357

CUADRO DE AMORTIZACIN DE LA DEUDA

SALDO
MESES
INICIAL
0
1
S/. 5,000.00
2
S/. 4,920.29
3
S/. 4,836.86
4
S/. 4,749.53
5
S/. 4,658.14
6
S/. 4,562.48
7
S/. 4,462.37
8
S/. 4,357.58
9
S/. 4,247.91
10
S/. 4,133.12
11
S/. 4,012.98
12
S/. 3,887.24
13
S/. 3,755.63
14
S/. 3,617.89
15
S/. 3,473.72
16
S/. 3,322.83
17
S/. 3,164.90
18
S/. 2,999.60
19
S/. 2,826.60
20
S/. 2,645.53
21
S/. 2,456.02
22
S/. 2,257.67
23
S/. 2,050.06
24
S/. 1,832.78
25
S/. 1,605.36

2da. Forma
FRC=

i(1+i)n
(1+i)n-1

INTERS
S/. 233.18
S/. 229.46
S/. 225.57
S/. 221.50
S/. 217.23
S/. 212.77
S/. 208.10
S/. 203.22
S/. 198.10
S/. 192.75
S/. 187.15
S/. 181.28
S/. 175.14
S/. 168.72
S/. 162.00
S/. 154.96
S/. 147.60
S/. 139.89
S/. 131.82
S/. 123.37
S/. 114.54
S/. 105.29
S/. 95.60
S/. 85.47
S/. 74.87

0.062577807

AMORTIZACIN
S/. 79.71
S/. 83.43
S/. 87.32
S/. 91.39
S/. 95.66
S/. 100.12
S/. 104.79
S/. 109.67
S/. 114.79
S/. 120.14
S/. 125.74
S/. 131.61
S/. 137.74
S/. 144.17
S/. 150.89
S/. 157.93
S/. 165.29
S/. 173.00
S/. 181.07
S/. 189.51
S/. 198.35
S/. 207.60
S/. 217.28
S/. 227.42
S/. 238.02

26
27
28
29
30

S/. 1,367.34
S/. 1,118.22
S/. 857.48
S/. 584.57
S/. 298.95

S/. 63.77
S/. 52.15
S/. 39.99
S/. 27.26
S/. 13.94
S/. 4,386.67

S/. 249.12
S/. 260.74
S/. 272.90
S/. 285.63
S/. 298.95
S/. 5,000.00

edio, por un prstamo de 5000, si la entidad financiera aplica

iquidable cuatrimestralmente?

4.66% Mensual
4.66% Mensual

3ra Forma =PAGO()

R=P*FRC
312.89

312.8890357

PAGO O
CUOTA

SALDO
FINAL

S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89

S/. 5,000.00
S/. 4,920.29
S/. 4,836.86
S/. 4,749.53
S/. 4,658.14
S/. 4,562.48
S/. 4,462.37
S/. 4,357.58
S/. 4,247.91
S/. 4,133.12
S/. 4,012.98
S/. 3,887.24
S/. 3,755.63
S/. 3,617.89
S/. 3,473.72
S/. 3,322.83
S/. 3,164.90
S/. 2,999.60
S/. 2,826.60
S/. 2,645.53
S/. 2,456.02
S/. 2,257.67
S/. 2,050.06
S/. 1,832.78
S/. 1,605.36
S/. 1,367.34

S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 312.89
S/. 9,386.67

S/. 1,118.22
S/. 857.48
S/. 584.57
S/. 298.95
S/. 0.00

PARA CALCULAR EL INTERS Y LA AMORTIZACIN DE UN PERODO

EN EL MES
2
Inters =PAGOINT()
S/. 229.46
Amortizacin =PAGOPRIN()
S/. 83.43

2. Cul es la cuota a pagar mensualmente durante dos aos y medio, por un prstamo de
5000, si la entidad financiera aplica una tasa de inters del 60% anual liquidable
cuatrimestralmente?

DATOS DE LA APLIACIN
P=
S/. 5,000.00
i=
n=

60.00%
30

4.66%
4.66%
Anual capitalizable
cuatrimestralmente
Meses

1.5 AOS

CUADRO DE AMORTIZACIN DE LA DEUDA

MESES
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

SALDO
INICIAL
S/. 5,000.00
S/. 4,833.33
S/. 4,666.67
S/. 4,500.00
S/. 4,333.33
S/. 4,166.67
S/. 4,000.00
S/. 3,833.33
S/. 3,666.67
S/. 3,500.00
S/. 3,333.33
S/. 3,166.67
S/. 3,000.00
S/. 2,833.33
S/. 2,666.67
S/. 2,500.00
S/. 2,333.33
S/. 2,166.67
S/. 2,000.00
S/. 1,833.33
S/. 1,666.67
S/. 1,500.00
S/. 1,333.33
S/. 1,166.67
S/. 1,000.00
S/. 833.33
S/. 666.67

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 233.18
S/. 225.40
S/. 217.63
S/. 209.86
S/. 202.09
S/. 194.31
S/. 186.54
S/. 178.77
S/. 171.00
S/. 163.22
S/. 155.45
S/. 147.68
S/. 139.91
S/. 132.13
S/. 124.36
S/. 116.59
S/. 108.82
S/. 101.04
S/. 93.27
S/. 85.50
S/. 77.73
S/. 69.95
S/. 62.18
S/. 54.41
S/. 46.64
S/. 38.86
S/. 31.09

S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67
S/. 166.67

S/. 399.84
S/. 392.07
S/. 384.30
S/. 376.52
S/. 368.75
S/. 360.98
S/. 353.21
S/. 345.43
S/. 337.66
S/. 329.89
S/. 322.12
S/. 314.34
S/. 306.57
S/. 298.80
S/. 291.03
S/. 283.25
S/. 275.48
S/. 267.71
S/. 259.94
S/. 252.16
S/. 244.39
S/. 236.62
S/. 228.85
S/. 221.07
S/. 213.30
S/. 205.53
S/. 197.76

28
29
30

S/. 500.00
S/. 333.33
S/. 166.67

S/. 23.32
S/. 15.55
S/. 7.77
S/. 3,614.22

S/. 166.67
S/. 166.67
S/. 166.67
S/. 5,000.00

S/. 189.98
S/. 182.21
S/. 174.44
S/. 8,614.22

io, por un prstamo de

% anual liquidable

mensual
mensual

SALDO
FINAL
S/. 5,000.00
S/. 4,833.33
S/. 4,666.67
S/. 4,500.00
S/. 4,333.33
S/. 4,166.67
S/. 4,000.00
S/. 3,833.33
S/. 3,666.67
S/. 3,500.00
S/. 3,333.33
S/. 3,166.67
S/. 3,000.00
S/. 2,833.33
S/. 2,666.67
S/. 2,500.00
S/. 2,333.33
S/. 2,166.67
S/. 2,000.00
S/. 1,833.33
S/. 1,666.67
S/. 1,500.00
S/. 1,333.33
S/. 1,166.67
S/. 1,000.00
S/. 833.33
S/. 666.67
S/. 500.00

S/. 333.33
S/. 166.67
S/. 0.00

2. Cul es la cuota a pagar mensualmente durante dos aos y medio, por un prstamo de 50
si la entidad financiera aplica una tasa de inters del 60% anual liquidable cuatrimestralmen

DATOS DE LA APLIACIN
P=
S/. 5,000.00
i=
n=

60.00%
30

Anual capitalizable
cuatrimestralmente
Meses

1.5 AOS

CUADRO DE AMORTIZACIN DE LA DEUDA

MESES
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

SALDO
INICIAL
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18

S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00

S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18
S/. 233.18

30

S/. 5,000.00

S/. 233.18
S/. 6,995.27

S/. 5,000.00
S/. 5,000.00

S/. 5,233.18
S/. 11,995.27

por un prstamo de 5000,

ble cuatrimestralmente?

4.66%
4.66%

SALDO
FINAL
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00
S/. 5,000.00

mensual
mensual

S/. 0.00

3. Cul es cuota a pagar durante diez trimestres por un prstamo de 20000, si se cobra 60% anual capital
por el dinero prestado?

DATOS DE LA APLIACIN
P=
S/. 20,000.00
i=
60%
n=
10

anual capitalizable bimestralmente

Trimestres

FORMAS DE CALCULAR LA CUOTA

1ra. Forma

R= P

i(1+i)n
(1+i)n-1

3985.04125

CUADRO DE AMORTIZACIN DE LA DEUDA

SALDO
TRIMESTRE
INICIAL
0
1
S/. 20,000.00
2
S/. 19,014.96
3
S/. 17,882.16
4
S/. 16,579.44
5
S/. 15,081.32
6
S/. 13,358.48
7
S/. 11,377.21
8
S/. 9,098.75
9
S/. 6,478.52
10
S/. 3,465.25

2da. Forma

FRC=

i(1+i)n
(1+i)n-1

INTERS
S/. 3,000.00
S/. 2,852.24
S/. 2,682.32
S/. 2,486.92
S/. 2,262.20
S/. 2,003.77
S/. 1,706.58
S/. 1,364.81
S/. 971.78
S/. 519.79
S/. 19,850.41

0.199252063

AMORTIZACIN
S/. 985.04
S/. 1,132.80
S/. 1,302.72
S/. 1,498.12
S/. 1,722.84
S/. 1,981.27
S/. 2,278.46
S/. 2,620.23
S/. 3,013.26
S/. 3,465.25
S/. 20,000.00

n prstamo de 20000, si se cobra 60% anual capitalizable bimestralmente

or el dinero prestado?

15% Trimestral
15% Trimestral

da. Forma

3ra Forma =PAGO()

R=P*FRC
3985.04

PAGO O
CUOTA
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 3,985.04
S/. 39,850.41

3985.04125

SALDO
FINAL
S/. 20,000.00
S/. 19,014.96
S/. 17,882.16
S/. 16,579.44
S/. 15,081.32
S/. 13,358.48
S/. 11,377.21
S/. 9,098.75
S/. 6,478.52
S/. 3,465.25
S/. 0.00

PARA CALCULAR EL INTERS Y LA AMORTIZACIN DE UN PERODO

EN EL TRIMESTRAL
6
Inters =PAGOINT()
S/. 2,003.77
Amortizacin =PAGOPRIN()
S/. 1,981.27

3. Cul es cuota a pagar durante diez trimestres por un prstamo de 20000, si se cobra
60% anual capitalizable bimestralmente por el dinero prestado?

DATOS DE LA APLIACIN
P=
S/. 20,000.00
i=
60.00%
n=
10

Anual capitalizable bimestralmente

Trimestres

15.00%
15.00%

CUADRO DE AMORTIZACIN DE LA DEUDA

TRIMESTRE
0
1
2
3
4
5
6
7
8
9
10

SALDO
INICIAL
S/. 20,000.00
S/. 18,000.00
S/. 16,000.00
S/. 14,000.00
S/. 12,000.00
S/. 10,000.00
S/. 8,000.00
S/. 6,000.00
S/. 4,000.00
S/. 2,000.00

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 3,000.00
S/. 2,700.00
S/. 2,400.00
S/. 2,100.00
S/. 1,800.00
S/. 1,500.00
S/. 1,200.00
S/. 900.00
S/. 600.00
S/. 300.00
S/. 16,500.00

S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 2,000.00
S/. 20,000.00

S/. 5,000.00
S/. 4,700.00
S/. 4,400.00
S/. 4,100.00
S/. 3,800.00
S/. 3,500.00
S/. 3,200.00
S/. 2,900.00
S/. 2,600.00
S/. 2,300.00
S/. 36,500.00

mo de 20000, si se cobra
ro prestado?

Trimestral
Trimestral

SALDO
FINAL
S/. 20,000.00
S/. 18,000.00
S/. 16,000.00
S/. 14,000.00
S/. 12,000.00
S/. 10,000.00
S/. 8,000.00
S/. 6,000.00
S/. 4,000.00
S/. 2,000.00
S/. 0.00

3. Cul es cuota a pagar durante diez trimestres por un prstamo de 20000, si se cobra 60% anual
capitalizable bimestralmente por el dinero prestado?

DATOS DE LA APLIACIN
P=
S/. 20,000.00
i=
60.00%
n=
10

Anual capitalizable bimestralmente

Trimestres

20.00%
20.00%

CUADRO DE AMORTIZACIN DE LA DEUDA

TRIMESTRE
0
1
2
3
4
5
6
7
8
9
10

SALDO
INICIAL
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 40,000.00

S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 20,000.00
S/. 20,000.00

S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 4,000.00
S/. 24,000.00
S/. 60,000.00

000, si se cobra 60% anual

do?

Trimestral
Trimestral

SALDO
FINAL
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 20,000.00
S/. 0.00

4. Cul es la cuota bimestral a pagar durante dos aos por un prstamo de 9500 si la
entidad financiera aplica una tasa de inters del 79% anual?

DATOS DE LA APLIACIN
P=
S/. 9,500.00
i=
79.00%
n=
12

13.17%
13.17%
Anual
Bimestres

2 AOS

CUADRO DE AMORTIZACIN DE LA DEUDA

BIMESTRES
0
1
2
3
4
5
6
7
8
9
10
11
12

SALDO
INICIAL
S/. 9,500.00
S/. 8,708.33
S/. 7,916.67
S/. 7,125.00
S/. 6,333.33
S/. 5,541.67
S/. 4,750.00
S/. 3,958.33
S/. 3,166.67
S/. 2,375.00
S/. 1,583.33
S/. 791.67

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 1,250.83
S/. 1,146.60
S/. 1,042.36
S/. 938.13
S/. 833.89
S/. 729.65
S/. 625.42
S/. 521.18
S/. 416.94
S/. 312.71
S/. 208.47
S/. 104.24
S/. 8,130.42

S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 791.67
S/. 9,500.00

S/. 2,042.50
S/. 1,938.26
S/. 1,834.03
S/. 1,729.79
S/. 1,625.56
S/. 1,521.32
S/. 1,417.08
S/. 1,312.85
S/. 1,208.61
S/. 1,104.38
S/. 1,000.14
S/. 895.90
S/. 17,630.42

prstamo de 9500 si la
9% anual?

bimestral
bimestral

SALDO
FINAL
S/. 9,500.00
S/. 8,708.33
S/. 7,916.67
S/. 7,125.00
S/. 6,333.33
S/. 5,541.67
S/. 4,750.00
S/. 3,958.33
S/. 3,166.67
S/. 2,375.00
S/. 1,583.33
S/. 791.67
S/. 0.00

4. Cul es la cuota bimestral a pagar durante dos aos por un prstamo de 9500 si la entidad financie
del 79% anual?

DATOS DE LA APLIACIN
P=
S/. 9,500.00
i=
79%
n=
12

anual
Bimestres

2 AOS

FORMAS DE CALCULAR LA CUOTA

1ra. Forma
R= P

i(1+i)n
(1+i)n-1

1617.446041

CUADRO DE AMORTIZACIN DE LA DEUDA

SALDO
BIMESTRES
INICIAL
0
1
S/. 9,500.00
2
S/. 9,133.39
3
S/. 8,718.50
4
S/. 8,248.99
5
S/. 7,717.67
6
S/. 7,116.38
7
S/. 6,435.92
8
S/. 5,665.87
9
S/. 4,794.43
10
S/. 3,808.26
11
S/. 2,692.23
12
S/. 1,429.26

2da. Forma
FRC=

i(1+i)n
(1+i)n-1

INTERS
S/. 1,250.83
S/. 1,202.56
S/. 1,147.94
S/. 1,086.12
S/. 1,016.16
S/. 936.99
S/. 847.40
S/. 746.01
S/. 631.27
S/. 501.42
S/. 354.48
S/. 188.19
S/. 9,909.35

0.170257478

AMORTIZACIN
S/. 366.61
S/. 414.88
S/. 469.51
S/. 531.33
S/. 601.29
S/. 680.46
S/. 770.05
S/. 871.44
S/. 986.18
S/. 1,116.03
S/. 1,262.97
S/. 1,429.26
S/. 9,500.00

prstamo de 9500 si la entidad financiera aplica una tasa de inters

9% anual?

13% Bimestral
13% Bimestral

ma

3ra Forma =PAGO()

R=P*FRC
1617.45

1617.446041

PAGO O
CUOTA

SALDO
FINAL

S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 1,617.45
S/. 19,409.35

S/. 9,500.00
S/. 9,133.39
S/. 8,718.50
S/. 8,248.99
S/. 7,717.67
S/. 7,116.38
S/. 6,435.92
S/. 5,665.87
S/. 4,794.43
S/. 3,808.26
S/. 2,692.23
S/. 1,429.26
S/. 0.00

PARA CALCULAR EL INTERS Y LA AMORTIZACIN DE UN PERODO

EN EL BIMESTRE
4
Inters =PAGOINT()
S/. 1,086.12
Amortizacin =PAGOPRIN()
S/. 531.33

4. Cul es la cuota bimestral a pagar durante dos aos por un prstamo de 9500 si la entidad
financiera aplica una tasa de inters del 79% anual?

DATOS DE LA APLIACIN
P=
S/. 9,500.00
i=
79.00%
n=
12

13.17%
13.17%
Anual
Bimestres

2 AOS

CUADRO DE AMORTIZACIN DE LA DEUDA

BIMESTRES
0
1
2
3
4
5
6
7
8
9
9
9
10
11
12

SALDO
INICIAL
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00

INTERS

AMORTIZACIN

PAGO O
CUOTA

S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 17,511.67

S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 0.00
S/. 9,500.00
S/. 9,500.00

S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 1,250.83
S/. 10,750.83
S/. 27,011.67

mo de 9500 si la entidad
l?

Bimestral
Bimestral

SALDO
FINAL
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 9,500.00
S/. 0.00