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La Empresa Agroindustrial "Santa Sofia del Sur S.A.

C" acuerda con el Scotia


millones de soles para ser cancelado en 20 cuotas trimestrales. con cuotas d
iguales. El Scotiabank aplica una tasa de interes del 20%. Elaborar la tabla d

Prestamo
Inters
Periodos

N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

N
0
1
2
3
4

S/.

100,000,000
20%
20

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

10,000,000
9,750,000
9,500,000
9,250,000
9,000,000
8,750,000
8,500,000
8,250,000
8,000,000
7,750,000
7,500,000
7,250,000
7,000,000
6,750,000
6,500,000
6,250,000
6,000,000
5,750,000
5,500,000
5,250,000

Pago
S/.
S/.
S/.
S/.
S/.

10,000,000
9,750,000
9,500,000
9,250,000

5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

9,000,000
8,750,000
8,500,000
8,250,000
8,000,000
7,750,000
7,500,000
7,250,000
7,000,000
6,750,000
6,500,000
6,250,000
6,000,000
5,750,000
5,500,000
5,250,000

ofia del Sur S.A.C" acuerda con el Scotiabank un prestamo por 100
o en 20 cuotas trimestrales. con cuotas de amortizacin de capital
sa de interes del 20%. Elaborar la tabla de amortizacin.

anual
pagos trimestrales

5% trimestral

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,000,000
4,750,000
4,500,000
4,250,000
4,000,000
3,750,000
3,500,000
3,250,000
3,000,000
2,750,000
2,500,000
2,250,000
2,000,000
1,750,000
1,500,000
1,250,000
1,000,000
750,000
500,000
250,000

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Interes
S/.
S/.
S/.
S/.
S/.

5,000,000
4,750,000
4,500,000
4,250,000

5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
100,000,000
95,000,000
90,000,000
85,000,000
80,000,000
75,000,000
70,000,000
65,000,000
60,000,000
55,000,000
50,000,000
45,000,000
40,000,000
35,000,000
30,000,000
25,000,000
20,000,000
15,000,000
10,000,000
5,000,000
-

S/.
S/.
S/.
S/.
S/.

Saldo
100,000,000
95,000,000
90,000,000
85,000,000
80,000,000

Amortizacion
S/.
S/.
S/.
S/.
S/.

5,000,000
5,000,000
5,000,000
5,000,000

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,000,000
3,750,000
3,500,000
3,250,000
3,000,000
2,750,000
2,500,000
2,250,000
2,000,000
1,750,000
1,500,000
1,250,000
1,000,000
750,000
500,000
250,000

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

75,000,000
70,000,000
65,000,000
60,000,000
55,000,000
50,000,000
45,000,000
40,000,000
35,000,000
30,000,000
25,000,000
20,000,000
15,000,000
10,000,000
5,000,000
-

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

El restaurante "El ajicito" acuerda con el Banco de Credito un prestamo por 1


en 2 cuotas semestrales. con cuotas de amortizacin de capital iguales. El B
tasa de interes del 2% mensual. Elaborar la tabla de amortizacin.

Prestamo
Inters
Periodos

S/.

N
0
1
2

S/.
S/.
S/.

N
0
1
2

S/.
S/.
S/.

10,000
2% mensual
2 pagos semestrales

12%

Pago

Interes
Amortizacion
###
S/.
6,200 S/.
1,200 S/.
5,000
5,600 S/.
600 S/.
5,000

Pago

Interes
Amortizacion
###
S/.
6,200 S/.
1,200 S/.
5,000
5,600 S/.
600 S/.
5,000

ito un prestamo por 10 mil soles para ser cancelado


e capital iguales. El Banco de Credito aplica una
mortizacin.

semestral

Saldo
S/.
10,000
S/.
5,000
S/.
-

S/.
S/.
S/.

Saldo
10,000
5,000
-

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

Un ingeniero necesita un prestamo por 20 mil soles para viajar a Brasil, para
eso que recurre a un banco donde acuerda pagar la deuda en 14 meses. con
capital iguales. El Banco aplica una tasa de interes del 4% mensual. Elabora

Prestamo
Inters
Periodos

N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

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

S/.

20,000
4% mensual
14 pagos mensuales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Interes
2,229
2,171
2,114
2,057
2,000
1,943
1,886
1,829
1,771
1,714
1,657
1,600
1,543
1,486

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

800
743
686
629
571
514
457
400
343
286
229
171
114
57

Interes
2,229
2,171
2,114
2,057
2,000
1,943
1,886
1,829
1,771
1,714
1,657

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

800
743
686
629
571
514
457
400
343
286
229

12
13
14

S/.
S/.
S/.

1,600 S/.
1,543 S/.
1,486 S/.

171
114
57

para viajar a Brasil, para realizar un proyecto, es por


deuda en 14 meses. con cuotas de amortizacin de
del 4% mensual. Elaborar la tabla de amortizacin.

Amortizacion
S/.
S/.
1,428.57
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429

Amortizacion
S/.
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429
S/.
1,429

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
20,000
18,571
17,143
15,714
14,286
12,857
11,429
10,000
8,571
7,143
5,714
4,286
2,857
1,429
-

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
20,000
18,571
17,143
15,714
14,286
12,857
11,429
10,000
8,571
7,143
5,714
4,286

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

S/.
S/.
S/.

1,429 S/.
1,429 S/.
1,429 S/.

2,857
1,429
-

ALEMAN MATEMATICO

DO ALEMAN EXCEL

Un proyecto de elaboracion de Cupcakes necesita 35000 soles para ser imp


dueo del proyecto pide el prestamo para cancelarlo en 10 cuotas bimestrale
de capital iguales. El banco aplica una tasa de interes del 12% anual; elabor

Prestamo
S/.
Inters
Periodos
Amortizacion
N
0
1
2
3
4
5
6
7
8
9
10

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

35,000
12% anual
10 pagos bimestrales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,200
4,130
4,060
3,990
3,920
3,850
3,780
3,710
3,640
3,570

Interes
###
S/.
700
S/.
630
S/.
560
S/.
490
S/.
420
S/.
350
S/.
280
S/.
210
S/.
140
S/.
70

4,200
4,130
4,060
3,990
3,920
3,850
3,780
3,710
3,640
3,570

Interes
###
S/.
700
S/.
630
S/.
560
S/.
490
S/.
420
S/.
350
S/.
280
S/.
210
S/.
140
S/.
70

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

necesita 35000 soles para ser implementado, es por eso que el


cancelarlo en 10 cuotas bimestrales, con cuotas de amoritzacin
a de interes del 12% anual; elaborar la tabla de amortizacin

2% bimestral

os bimestrales

Amortizacion
S/.
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500

Amortizacion
S/.
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500
S/.
3,500

Saldo
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

35,000
31,500
28,000
24,500
21,000
17,500
14,000
10,500
7,000
3,500
-

METODO ALEMAN MATEMATICO

Saldo
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

35,000
31,500
28,000
24,500
21,000
17,500
14,000
10,500
7,000
3,500
-

METODO ALEMAN EXCEL

MAN MATEMATICO

ALEMAN EXCEL

La Planta Piloto necesita 600000 soles para la compra de equipos, es por es


prestamo al Banco de la Nacion para cancelarlo en 3 cuotas trimestrales, co
capital iguales. El banco aplica una tasa de interes del 10% trimestral; elabor

Prestamo
S/.
Inters
Periodos
Amortizacion
N
0
1
2
3

N
0
1
2
3

600,000
10% trimestral
3 pagos trimestrales

Pago
S/.
S/.
S/.
S/.

Interes
260,000
240,000
220,000

S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.

60,000
40,000
20,000

Interes
260,000
240,000
220,000

S/.
S/.
S/.
S/.

60,000
40,000
20,000

a de equipos, es por eso que la UNS pide un


cuotas trimestrales, con cuotas de amortizacin de
10% trimestral; elaborar la tabla de amortizacin

Amortizacion
S/.
S/.
200,000
S/.
200,000
S/.
200,000

Amortizacion
S/.
S/.
200,000
S/.
200,000
S/.
200,000

Saldo
S/.
S/.
S/.
S/.

600,000
400,000
200,000
-

METODO ALEMAN MATEMA

Saldo
S/.
S/.
S/.
S/.

600,000
400,000
200,000
-

METODO ALEMAN EXCE

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

Un proyecto de inversin requiere 28000 soles para su implementacion, es por


prestamo para cancelarlo en 1 ao, con cuotas de amortizacin de capital igual
una tasa de interes del 6% bimestral; elaborar la tabla de amortizacin

Prestamo
Inters
Periodos

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

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

S/.

28,000
6% bimestral
12 pagos mensuales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,173
3,103
3,033
2,963
2,893
2,823
2,753
2,683
2,613
2,543
2,473
2,403

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,173
3,103
3,033
2,963
2,893
2,823
2,753
2,683
2,613
2,543
2,473
2,403

36%

Interes
###
S/.
840
S/.
770
S/.
700
S/.
630
S/.
560
S/.
490
S/.
420
S/.
350
S/.
280
S/.
210
S/.
140
S/.
70

Amortizacion
S/.
S/.
2,333.33
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333

Interes
###
S/.
840
S/.
770
S/.
700
S/.
630
S/.
560
S/.
490
S/.
420
S/.
350
S/.
280
S/.
210
S/.
140
S/.
70

Amortizacion
S/.
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333
S/.
2,333

mplementacion, es por eso que se pide un


izacin de capital iguales. El prestamista aplica
e amortizacin

anual

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
28,000
25,667
23,333
21,000
18,667
16,333
14,000
11,667
9,333
7,000
4,667
2,333
-

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
28,000
25,667
23,333
21,000
18,667
16,333
14,000
11,667
9,333
7,000
4,667
2,333
-

3% mensual

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

Un profesor requiere 3 mil soles para pintar su carro, es por eso que se pide
en 6 meses, con cuotas de amortizacin de capital iguales. El prestamista ap
9% trimestral; elaborar la tabla de amortizacin

Prestamo
Inters
Periodos

N
0
1
2
3
4
5
6

N
0
1
2
3
4
5
6

S/.

3,000
9% trimestral
6 pagos mensuales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.

590
575
560
545
530
515

Interes
###
S/.
90
S/.
75
S/.
60
S/.
45
S/.
30
S/.
15

Amortizacion
S/.
S/.
500
S/.
500
S/.
500
S/.
500
S/.
500
S/.
500

590
575
560
545
530
515

Interes
###
S/.
90
S/.
75
S/.
60
S/.
45
S/.
30
S/.
15

Amortizacion
S/.
S/.
500
S/.
500
S/.
500
S/.
500
S/.
500
S/.
500

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.

36%

es por eso que se pide un prestamo para cancelarlo


uales. El prestamista aplica una tasa de interes del

anual

Saldo
S/.
3,000
S/.
2,500
S/.
2,000
S/.
1,500
S/.
1,000
S/.
500
S/.
-

Saldo
S/.
3,000
S/.
2,500
S/.
2,000
S/.
1,500
S/.
1,000
S/.
500
S/.
-

3% mensual

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

Un estudiante de agroindustria necesita 600 soles para obtener su bachiller,


prestamo a un compaero para cancelarlo en 3 meses, con cuotas de amort
prestamista aplica una tasa de interes del 3% mensual; elaborar la tabla de a

Prestamo
Inters
Periodos

N
0
1
2
3

N
0
1
2
3

S/.

S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.

600
3% mensual
3 pagos mensuales

Pago

Interes
- S/.
218 S/.
18
212 S/.
12
206 S/.
6

Amortizacion
S/.
S/.
200
S/.
200
S/.
200

Pago

Amortizacion
S/.
S/.
200
S/.
200
S/.
200

Interes
- S/.
218 S/.
18
212 S/.
12
206 S/.
6

soles para obtener su bachiller, es por eso que pide un


n 3 meses, con cuotas de amortizacin de capital iguales. El
% mensual; elaborar la tabla de amortizacin

Saldo
S/.
600
S/.
400
S/.
200
S/.
-

Saldo
S/.
600
S/.
400
S/.
200
S/.
-

METODO ALEMAN MATEMATICO

METODO ALEMAN EXCEL

La Empresa Agroindustrial "Chavin" acuerda con el Scotiabank un prestamo


cancelado en 12 cuotas trimestrales iguales. El Scotiabank aplica una tasa d
Elaborar la tabla de amortizacin.

Prestamo
S/.
Inters
Periodos
Amortizacion
N
0
1
2
3
4
5
6
7
8
9
10
11
12

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

90,000
24% anual
12 pagos trimestrales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Interes
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,400
5,080
4,741
4,381
4,000
3,596
3,167
2,713
2,232
1,722
1,181
608

Interes
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735
10,735

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,400
5,080
4,741
4,381
4,000
3,596
3,167
2,713
2,232
1,722
1,181
608

cotiabank un prestamo por 90 mil soles para ser


bank aplica una tasa de interes del 24% anual.

6% trimestral

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,335
5,655
5,994
6,354
6,735
7,139
7,568
8,022
8,503
9,013
9,554
10,127

Saldo
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,335
5,655
5,994
6,354
6,735
7,139
7,568
8,022
8,503
9,013
9,554
10,127

90,000
84,665
79,010
73,016
66,662
59,926
52,787
45,219
37,198
28,695
19,681
10,127
-

METODO FRANCES EXCEL

Saldo
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

90,000
84,665
79,010
73,016
66,662
59,926
52,787
45,219
37,198
28,695
19,681
10,127
-0

METODO FRANCES MATEMAT

O FRANCES EXCEL

FRANCES MATEMATICO

Un empresario adquiere una deuda de 400000 soles para pagarlo en 1 ao c


aplica una tasa de interes del 10 % anual; si la deuda se debe cancelar en cu
pide determinar la cuota mensual y realizar la tabla de amotizacion

Deuda
Inters
Periodos

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

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

S/.

400,000
10% anual
1 ao

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166
35,166

3,333
3,068
2,801
2,531
2,259
1,985
1,708
1,429
1,148
865
579
291

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,333
3,068
2,801
2,531
2,259
1,985
1,708
1,429
1,148
865
579
291

000 soles para pagarlo en 1 ao con el banco de la Nacion que


i la deuda se debe cancelar en cuotas mensuales iguales, se
la tabla de amotizacion

1% mensual
12 meses

Amortizacion
S/.
S/.
31,833
S/.
32,098
S/.
32,366
S/.
32,635
S/.
32,907
S/.
33,182
S/.
33,458
S/.
33,737
S/.
34,018
S/.
34,302
S/.
34,587
S/.
34,876

Amortizacion
S/.
S/.
31,833
S/.
32,098
S/.
32,366
S/.
32,635
S/.
32,907
S/.
33,182
S/.
33,458
S/.
33,737
S/.
34,018
S/.
34,302
S/.
34,587
S/.
34,876

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
400,000
368,167
336,069
303,703
271,067
238,160
204,978
171,520
137,783
103,765
69,463
34,876
-

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
400,000
368,167
336,069
303,703
271,067
238,160
204,978
171,520
137,783
103,765
69,463
34,876
-

METODO FRANCES EXCEL

METODO FRANCES MATEMATICO

RANCES EXCEL

NCES MATEMATICO

El fundo "Los Paltos" acuerda con el BN un prestamo por 130 millones de so


cuotas semestrales iguales. El BN aplica una tasa de interes del 8% anual. E
amortizacin.

Prestamo
S/.
Inters
Periodos
Amortizacion
N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

N
0
1
2
3
4
5

130,000,000
8% anual
20 pagos semestrales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.

9,565,628
9,565,628
9,565,628
9,565,628
9,565,628

5,200,000
5,025,375
4,843,765
4,654,890
4,458,461
4,254,174
4,041,716
3,820,760
3,590,965
3,351,978
3,103,432
2,844,945
2,576,117
2,296,537
2,005,773
1,703,379
1,388,889
1,061,819
721,667
367,909

Interes
S/.
S/.
S/.
S/.
S/.
S/.

5,200,000
5,025,375
4,843,765
4,654,890
4,458,461

6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628
9,565,628

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,254,174
4,041,716
3,820,760
3,590,965
3,351,978
3,103,432
2,844,945
2,576,117
2,296,537
2,005,773
1,703,379
1,388,889
1,061,819
721,667
367,909

por 130 millones de soles para ser cancelado en 20


interes del 8% anual. Elaborar la tabla de

4% semestral

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

4,365,628
4,540,253
4,721,863
4,910,737
5,107,167
5,311,453
5,523,912
5,744,868
5,974,663
6,213,649
6,462,195
6,720,683
6,989,510
7,269,091
7,559,854
7,862,249
8,176,739
8,503,808
8,843,960
9,197,719

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
130,000,000
125,634,372
121,094,120
116,372,257
111,461,520
106,354,353
101,042,900
95,518,988
89,774,120
83,799,457
77,585,808
71,123,613
64,402,930
57,413,419
50,144,329
42,584,474
34,722,226
26,545,487
18,041,679
9,197,719
-0

S/.
S/.
S/.
S/.
S/.
S/.

Saldo
130,000,000
125,634,372
121,094,120
116,372,257
111,461,520
106,354,353

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.

4,365,628
4,540,253
4,721,863
4,910,737
5,107,167

METODO FRANCES EXCEL

METODO FRANCES MATEMATICO

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

5,311,453
5,523,912
5,744,868
5,974,663
6,213,649
6,462,195
6,720,683
6,989,510
7,269,091
7,559,854
7,862,249
8,176,739
8,503,808
8,843,960
9,197,719

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

101,042,900
95,518,988
89,774,120
83,799,457
77,585,808
71,123,613
64,402,930
57,413,419
50,144,329
42,584,474
34,722,226
26,545,487
18,041,679
9,197,719
-0

RANCES EXCEL

NCES MATEMATICO

Un empresario adquiere un prestamo por 45 millones de soles para ser canc


iguales. La tasa de interes del 3% trimestral. Elaborar la tabla de amortizaci

Prestamo
S/.
Inters
Periodos
Amortizacion
N
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

N
0
1

45,000,000
3% trimestral
24 pagos mensuales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.

- S/.
2,118,306 S/.

450,000
433,317
416,467
399,449
382,260
364,900
347,366
329,656
311,770
293,704
275,458
257,030
238,417
219,618
200,631
181,454
162,086
142,524
122,766
102,811
82,656
62,299
41,739
20,973

Interes
450,000

2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306
2,118,306

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

433,317
416,467
399,449
382,260
364,900
347,366
329,656
311,770
293,704
275,458
257,030
238,417
219,618
200,631
181,454
162,086
142,524
122,766
102,811
82,656
62,299
41,739
20,973

es de soles para ser cancelado en 24 cuotas mensuales


ar la tabla de amortizacin.

1% mensual

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
45,000,000
43,331,694
41,646,704
39,944,865
38,226,008
36,489,961
34,736,555
32,965,614
31,176,964
29,370,427
27,545,825
25,702,977
23,841,701
21,961,812
20,063,124
18,145,449
16,208,597
14,252,377
12,276,594
10,281,054
8,265,558
6,229,907
4,173,900
2,097,333
-

- S/.
1,668,306 S/.

Saldo
45,000,000
43,331,694

1,668,306
1,684,989
1,701,839
1,718,858
1,736,046
1,753,407
1,770,941
1,788,650
1,806,537
1,824,602
1,842,848
1,861,276
1,879,889
1,898,688
1,917,675
1,936,852
1,956,220
1,975,782
1,995,540
2,015,496
2,035,651
2,056,007
2,076,567
2,097,333

Amortizacion
S/.
S/.

METODO FRANCES EXCEL

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,684,989
1,701,839
1,718,858
1,736,046
1,753,407
1,770,941
1,788,650
1,806,537
1,824,602
1,842,848
1,861,276
1,879,889
1,898,688
1,917,675
1,936,852
1,956,220
1,975,782
1,995,540
2,015,496
2,035,651
2,056,007
2,076,567
2,097,333

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

41,646,704
39,944,865
38,226,008
36,489,961
34,736,555
32,965,614
31,176,964
29,370,427
27,545,825
25,702,977
23,841,701
21,961,812
20,063,124
18,145,449
16,208,597
14,252,377
12,276,594
10,281,054
8,265,558
6,229,907
4,173,900
2,097,333
-

METODO FRANCES MATEMATICO

RANCES EXCEL

NCES MATEMATICO

El Municipio de Chimbote recibe un prestamo por 185 millones de soles para


desague, el cual debe ser cancelado en 18 cuotas bimestrales iguales. La ta
Elaborar la tabla de amortizacin.

Prestamo
S/.
Inters
Periodos
Amortizacion
N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

N
0
1
2
3
4
5
6
7

185,000,000
1% mensual
18 pagos bimensuales

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889

3,700,000
3,527,202
3,350,948
3,171,170
2,987,795
2,800,753
2,609,971
2,415,372
2,216,882
2,014,422
1,807,913
1,597,273
1,382,421
1,163,271
939,739
711,736
479,173
241,959

Interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

3,700,000
3,527,202
3,350,948
3,171,170
2,987,795
2,800,753
2,609,971

8
9
10
11
12
13
14
15
16
17
18

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889
12,339,889

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

2,415,372
2,216,882
2,014,422
1,807,913
1,597,273
1,382,421
1,163,271
939,739
711,736
479,173
241,959

millones de soles para ejecutar obras de agua y


estrales iguales. La tasa de interes del 1% mensual.

2% bimestral

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

8,639,889
8,812,687
8,988,940
9,168,719
9,352,094
9,539,135
9,729,918
9,924,517
10,123,007
10,325,467
10,531,976
10,742,616
10,957,468
11,176,618
11,400,150
11,628,153
11,860,716
12,097,930

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
185,000,000
176,360,111
167,547,424
158,558,484
149,389,765
140,037,671
130,498,536
120,768,618
110,844,101
100,721,094
90,395,627
79,863,651
69,121,035
58,163,567
46,986,949
35,586,799
23,958,646
12,097,930
-0

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
185,000,000
176,360,111
167,547,424
158,558,484
149,389,765
140,037,671
130,498,536
120,768,618

Amortizacion
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

8,639,889
8,812,687
8,988,940
9,168,719
9,352,094
9,539,135
9,729,918

METODO FRANCES EXCEL

METODO FRANCES MATEMATICO

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

9,924,517
10,123,007
10,325,467
10,531,976
10,742,616
10,957,468
11,176,618
11,400,150
11,628,153
11,860,716
12,097,930

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

110,844,101
100,721,094
90,395,627
79,863,651
69,121,035
58,163,567
46,986,949
35,586,799
23,958,646
12,097,930
-0

RANCES EXCEL

NCES MATEMATICO

Una enfermera adquiere un prestamo por 3895 soles para ser cancelado en
La tasa de interes del 1% mensual. Elaborar la tabla de amortizacin.

Prestamo
S/.
Inters
Periodos
Amortizacion
N
0
1
2
3
4
5

N
0
1
2
3
4
5

3,895
1% mensual
5 pagos mensuales

Pago
S/.
S/.
S/.
S/.
S/.
S/.

Interes
803
803
803
803
803

S/.
S/.
S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.

38.95
31.31
23.60
15.81
7.95

Interes
803
803
803
803
803

S/.
S/.
S/.
S/.
S/.
S/.

38.95
31.31
23.60
15.81
7.95

para ser cancelado en 5 cuotas mensuales iguales.


e amortizacin.

Amortizacion
S/.
S/.
764
S/.
771
S/.
779
S/.
787
S/.
795

Saldo
S/.
3,895
S/.
3,131
S/.
2,360
S/.
1,581
S/.
795
S/.
-

Amortizacion
S/.
S/.
764
S/.
771
S/.
779
S/.
787
S/.
795

Saldo
S/.
3,895
S/.
3,131
S/.
2,360
S/.
1,581
S/.
795
S/.
-

METODO FRANCES EXCEL

METODO FRANCES MATEMATICO

Una pareja de casados pide un prestamo por 35000 soles para comprar su c
cancelarlo en 12 cuotas mensuales iguales. La tasa de interes del 2% mensu
amortizacin.

Prestamo
S/.
Inters
Periodos
Amortizacion

enero
febrero
marzo
abril

N
0
1
2
3

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

2,100
2% mensual
3 pagos mensuales

Pago
S/.
S/.
S/.
S/.

Interes
732
732
732

S/.
S/.
S/.
S/.

Pago
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

47.25
31.85
16.10

Interes
732
732
732
732
732
732
732
732
732
732

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

47.25
31.85
16.10
-16.46
-33.30
-50.51
-68.11
-86.11
-104.51

11
12

S/.
S/.

732 S/.
732 S/.

-123.33
-142.56

r 35000 soles para comprar su casa, el cual deben de


La tasa de interes del 2% mensual. Elaborar la tabla de
Anual

30%

Amortizacion
S/.
S/.
684
S/.
700
S/.
716

Amortizacion
S/.
S/.
684
S/.
700
S/.
716
S/.
732
S/.
748
S/.
765
S/.
782
S/.
800
S/.
818
S/.
836

S/.
S/.
S/.
S/.

Saldo
2,100
1,416
716
-

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Saldo
2,100
1,416
716
-732
-1,480
-2,245
-3,027
-3,827
-4,645
-5,481

27%

2.25

METODO FRANCES EXCEL

METODO FRANCES MATEMATICO

S/.
S/.

855 S/.
874 S/.

-6,336
-7,210

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