primerprestamo

Cuadro de Amortizacin de un Prstamo Francs (a=cte)

Principal
Aos
i

Ao

500,000
10
10%

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

81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70

a
Trmino
amortizativo
a = Is+As

Intereses
50,000.00
46,862.73
43,411.73
39,615.64
35,439.93
30,846.65
25,794.05
20,236.19
14,122.53
7,397.52

Is
Cuota de
intereses
Is = iCs-1

Amortizacin
31,372.70
34,509.97
37,960.96
41,757.06
45,932.77
50,526.04
55,578.65
61,136.51
67,250.16
73,975.18

Cs
Capit
al
Vivo

Ms
Capital
amortizado
es el acumulado de la
cuota de amortizacin

As
Cuota de amortizacin

Cap. Vivo
Cap. Amort.
500,000.00
468,627.30
31,372.70
434,117.34
65,882.66
396,156.37
103,843.63
354,399.31
145,600.69
308,466.54
191,533.46
257,940.50
242,059.50
202,361.85
297,638.15
141,225.34
358,774.66
73,975.18
426,024.82
0.00
500,000.00

Cuadro de Amortizacin de un Prstamo Francs

Principal
Aos
i
a
Ao

500,000
10
10%
81,372.70
Anualidad

0
1
2
3
4
5
6
7
8
9
10

81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70
81,372.70

Intereses
50,000.00
46,862.73
43,411.73
39,615.64
35,439.93
30,846.65
25,794.05
20,236.19
14,122.53
7,397.52

Amortizacin
31,372.70
34,509.97
37,960.96
41,757.06
45,932.77
50,526.04
55,578.65
61,136.51
67,250.16
73,975.18

Cap. Vivo
Cap. Amort.
500,000.00
468,627.30
31,372.70
434,117.34
65,882.66
396,156.37
103,843.63
354,399.31
145,600.69
308,466.54
191,533.46
257,940.50
242,059.50
202,361.85
297,638.15
141,225.34
358,774.66
73,975.18
426,024.82
0.00
500,000.00

Cuadro de Amortizacin de un Prstamo Francs mensual

Principal
Aos
Meses
j12
i12

500,000
25
300
6%
0.50%

Mes

=PAGO($C$8;$C$6;$C$4)

Mensualidad Intereses
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
32
33
34
35
36
37
38
39
40
41
42
43
44

3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51

2,500.00
2,496.39
2,492.77
2,489.12
2,485.46
2,481.78
2,478.08
2,474.37
2,470.63
2,466.88
2,463.10
2,459.31
2,455.50
2,451.67
2,447.82
2,443.95
2,440.06
2,436.16
2,432.23
2,428.28
2,424.32
2,420.33
2,416.33
2,412.30
2,408.25
2,404.19
2,400.10
2,395.99
2,391.87
2,387.72
2,383.55
2,379.36
2,375.15
2,370.92
2,366.66
2,362.39
2,358.09
2,353.78
2,349.44
2,345.08
2,340.70
2,336.29
2,331.87
2,327.42

Amortizacin
721.51
725.11
728.74
732.38
736.05
739.73
743.42
747.14
750.88
754.63
758.40
762.20
766.01
769.84
773.69
777.56
781.44
785.35
789.28
793.22
797.19
801.18
805.18
809.21
813.25
817.32
821.41
825.51
829.64
833.79
837.96
842.15
846.36
850.59
854.84
859.12
863.41
867.73
872.07
876.43
880.81
885.22
889.64
894.09

Cap. Vivo
Cap. Amort.
500,000.00
499,278.49
721.51
498,553.38
1,446.62
497,824.64
2,175.36
497,092.25
2,907.75
496,356.21
3,643.79
495,616.48
4,383.52
494,873.06
5,126.94
494,125.92
5,874.08
493,375.04
6,624.96
492,620.41
7,379.59
491,862.00
8,138.00
491,099.81
8,900.19
490,333.80
9,666.20
489,563.96
10,436.04
488,790.27
11,209.73
488,012.72
11,987.28
487,231.27
12,768.73
486,445.92
13,554.08
485,656.64
14,343.36
484,863.42
15,136.58
484,066.23
15,933.77
483,265.06
16,734.94
482,459.87
17,540.13
481,650.67
18,349.33
480,837.41
19,162.59
480,020.09
19,979.91
479,198.69
20,801.31
478,373.17
21,626.83
477,543.53
22,456.47
476,709.74
23,290.26
475,871.78
24,128.22
475,029.64
24,970.36
474,183.28
25,816.72
473,332.69
26,667.31
472,477.84
27,522.16
471,618.72
28,381.28
470,755.31
29,244.69
469,887.58
30,112.42
469,015.51
30,984.49
468,139.08
31,860.92
467,258.27
32,741.73
466,373.05
33,626.95
465,483.41
34,516.59
464,589.32
35,410.68

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
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98

3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51

2,322.95
2,318.45
2,313.94
2,309.40
2,304.84
2,300.26
2,295.65
2,291.02
2,286.37
2,281.69
2,276.99
2,272.27
2,267.53
2,262.76
2,257.96
2,253.14
2,248.30
2,243.44
2,238.55
2,233.63
2,228.69
2,223.73
2,218.74
2,213.72
2,208.69
2,203.62
2,198.53
2,193.42
2,188.28
2,183.11
2,177.92
2,172.70
2,167.46
2,162.19
2,156.89
2,151.57
2,146.22
2,140.84
2,135.44
2,130.01
2,124.55
2,119.06
2,113.55
2,108.01
2,102.45
2,096.85
2,091.23
2,085.58
2,079.90
2,074.19
2,068.45
2,062.69
2,056.89
2,051.07

898.56
903.05
907.57
912.11
916.67
921.25
925.86
930.49
935.14
939.81
944.51
949.24
953.98
958.75
963.55
968.36
973.20
978.07
982.96
987.88
992.82
997.78
1,002.77
1,007.78
1,012.82
1,017.89
1,022.97
1,028.09
1,033.23
1,038.40
1,043.59
1,048.81
1,054.05
1,059.32
1,064.62
1,069.94
1,075.29
1,080.67
1,086.07
1,091.50
1,096.96
1,102.44
1,107.95
1,113.49
1,119.06
1,124.66
1,130.28
1,135.93
1,141.61
1,147.32
1,153.06
1,158.82
1,164.62
1,170.44

463,690.76
462,787.71
461,880.14
460,968.03
460,051.37
459,130.12
458,204.26
457,273.78
456,338.64
455,398.82
454,454.31
453,505.08
452,551.09
451,592.34
450,628.80
449,660.43
448,687.23
447,709.16
446,726.20
445,738.32
444,745.51
443,747.73
442,744.96
441,737.18
440,724.35
439,706.47
438,683.49
437,655.41
436,622.18
435,583.78
434,540.19
433,491.38
432,437.33
431,378.01
430,313.40
429,243.46
428,168.17
427,087.50
426,001.43
424,909.93
423,812.97
422,710.53
421,602.58
420,489.08
419,370.02
418,245.37
417,115.09
415,979.15
414,837.54
413,690.22
412,537.17
411,378.35
410,213.73
409,043.29

36,309.24
37,212.29
38,119.86
39,031.97
39,948.63
40,869.88
41,795.74
42,726.22
43,661.36
44,601.18
45,545.69
46,494.92
47,448.91
48,407.66
49,371.20
50,339.57
51,312.77
52,290.84
53,273.80
54,261.68
55,254.49
56,252.27
57,255.04
58,262.82
59,275.65
60,293.53
61,316.51
62,344.59
63,377.82
64,416.22
65,459.81
66,508.62
67,562.67
68,621.99
69,686.60
70,756.54
71,831.83
72,912.50
73,998.57
75,090.07
76,187.03
77,289.47
78,397.42
79,510.92
80,629.98
81,754.63
82,884.91
84,020.85
85,162.46
86,309.78
87,462.83
88,621.65
89,786.27
90,956.71

99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152

3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51

2,045.22
2,039.34
2,033.42
2,027.48
2,021.51
2,015.51
2,009.48
2,003.42
1,997.33
1,991.21
1,985.06
1,978.88
1,972.67
1,966.42
1,960.15
1,953.84
1,947.50
1,941.13
1,934.73
1,928.29
1,921.83
1,915.33
1,908.80
1,902.24
1,895.64
1,889.01
1,882.35
1,875.65
1,868.92
1,862.16
1,855.36
1,848.53
1,841.67
1,834.77
1,827.83
1,820.87
1,813.86
1,806.82
1,799.75
1,792.64
1,785.50
1,778.32
1,771.10
1,763.85
1,756.56
1,749.24
1,741.88
1,734.48
1,727.04
1,719.57
1,712.06
1,704.51
1,696.93
1,689.31

1,176.29
1,182.17
1,188.08
1,194.02
1,199.99
1,205.99
1,212.02
1,218.08
1,224.17
1,230.29
1,236.45
1,242.63
1,248.84
1,255.09
1,261.36
1,267.67
1,274.01
1,280.38
1,286.78
1,293.21
1,299.68
1,306.18
1,312.71
1,319.27
1,325.87
1,332.50
1,339.16
1,345.86
1,352.58
1,359.35
1,366.14
1,372.97
1,379.84
1,386.74
1,393.67
1,400.64
1,407.64
1,414.68
1,421.76
1,428.86
1,436.01
1,443.19
1,450.40
1,457.66
1,464.95
1,472.27
1,479.63
1,487.03
1,494.46
1,501.94
1,509.45
1,516.99
1,524.58
1,532.20

407,867.00
406,684.83
405,496.75
404,302.72
403,102.73
401,896.74
400,684.71
399,466.63
398,242.46
397,012.16
395,775.72
394,533.09
393,284.25
392,029.16
390,767.80
389,500.13
388,226.12
386,945.75
385,658.97
384,365.76
383,066.08
381,759.90
380,447.20
379,127.92
377,802.06
376,469.56
375,130.40
373,784.55
372,431.96
371,072.61
369,706.47
368,333.50
366,953.66
365,566.92
364,173.25
362,772.60
361,364.96
359,950.28
358,528.52
357,099.66
355,663.65
354,220.46
352,770.06
351,312.40
349,847.45
348,375.18
346,895.55
345,408.52
343,914.06
342,412.12
340,902.68
339,385.68
337,861.10
336,328.90

92,133.00
93,315.17
94,503.25
95,697.28
96,897.27
98,103.26
99,315.29
100,533.37
101,757.54
102,987.84
104,224.28
105,466.91
106,715.75
107,970.84
109,232.20
110,499.87
111,773.88
113,054.25
114,341.03
115,634.24
116,933.92
118,240.10
119,552.80
120,872.08
122,197.94
123,530.44
124,869.60
126,215.45
127,568.04
128,927.39
130,293.53
131,666.50
133,046.34
134,433.08
135,826.75
137,227.40
138,635.04
140,049.72
141,471.48
142,900.34
144,336.35
145,779.54
147,229.94
148,687.60
150,152.55
151,624.82
153,104.45
154,591.48
156,085.94
157,587.88
159,097.32
160,614.32
162,138.90
163,671.10

153
154
155
156
157
158
159
160
161
162
163
164
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167
168
169
170
171
172
173
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175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206

3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51

1,681.64
1,673.95
1,666.21
1,658.43
1,650.62
1,642.76
1,634.87
1,626.93
1,618.96
1,610.95
1,602.90
1,594.80
1,586.67
1,578.49
1,570.28
1,562.02
1,553.73
1,545.39
1,537.01
1,528.58
1,520.12
1,511.61
1,503.06
1,494.47
1,485.84
1,477.16
1,468.44
1,459.67
1,450.86
1,442.01
1,433.11
1,424.17
1,415.18
1,406.15
1,397.07
1,387.95
1,378.78
1,369.57
1,360.31
1,351.00
1,341.65
1,332.25
1,322.81
1,313.31
1,303.77
1,294.18
1,284.55
1,274.86
1,265.13
1,255.35
1,245.52
1,235.64
1,225.71
1,215.73

1,539.86
1,547.56
1,555.30
1,563.08
1,570.89
1,578.75
1,586.64
1,594.57
1,602.55
1,610.56
1,618.61
1,626.70
1,634.84
1,643.01
1,651.23
1,659.48
1,667.78
1,676.12
1,684.50
1,692.92
1,701.39
1,709.89
1,718.44
1,727.04
1,735.67
1,744.35
1,753.07
1,761.84
1,770.65
1,779.50
1,788.40
1,797.34
1,806.33
1,815.36
1,824.43
1,833.56
1,842.72
1,851.94
1,861.20
1,870.50
1,879.86
1,889.25
1,898.70
1,908.19
1,917.74
1,927.32
1,936.96
1,946.65
1,956.38
1,966.16
1,975.99
1,985.87
1,995.80
2,005.78

334,789.04
333,241.48
331,686.18
330,123.10
328,552.21
326,973.47
325,386.83
323,792.25
322,189.71
320,579.15
318,960.54
317,333.83
315,699.00
314,055.98
312,404.76
310,745.27
309,077.49
307,401.37
305,716.87
304,023.95
302,322.56
300,612.67
298,894.23
297,167.19
295,431.52
293,687.17
291,934.10
290,172.26
288,401.62
286,622.12
284,833.72
283,036.38
281,230.06
279,414.70
277,590.27
275,756.71
273,913.99
272,062.05
270,200.85
268,330.35
266,450.50
264,561.24
262,662.54
260,754.35
258,836.61
256,909.29
254,972.33
253,025.68
251,069.30
249,103.14
247,127.15
245,141.28
243,145.48
241,139.70

165,210.96
166,758.52
168,313.82
169,876.90
171,447.79
173,026.53
174,613.17
176,207.75
177,810.29
179,420.85
181,039.46
182,666.17
184,301.00
185,944.02
187,595.24
189,254.73
190,922.51
192,598.63
194,283.13
195,976.05
197,677.44
199,387.33
201,105.77
202,832.81
204,568.48
206,312.83
208,065.90
209,827.74
211,598.38
213,377.88
215,166.28
216,963.62
218,769.94
220,585.30
222,409.73
224,243.29
226,086.01
227,937.95
229,799.15
231,669.65
233,549.50
235,438.76
237,337.46
239,245.65
241,163.39
243,090.71
245,027.67
246,974.32
248,930.70
250,896.86
252,872.85
254,858.72
256,854.52
258,860.30

207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260

3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51

1,205.70
1,195.62
1,185.49
1,175.31
1,165.08
1,154.80
1,144.46
1,134.08
1,123.64
1,113.15
1,102.61
1,092.02
1,081.37
1,070.67
1,059.91
1,049.10
1,038.24
1,027.33
1,016.36
1,005.33
994.25
983.11
971.92
960.67
949.37
938.01
926.59
915.12
903.58
891.99
880.35
868.64
856.88
845.05
833.17
821.23
809.23
797.17
785.05
772.86
760.62
748.32
735.95
723.52
711.03
698.48
685.86
673.19
660.44
647.64
634.77
621.84
608.84
595.77

2,015.81
2,025.89
2,036.02
2,046.20
2,056.43
2,066.71
2,077.04
2,087.43
2,097.87
2,108.36
2,118.90
2,129.49
2,140.14
2,150.84
2,161.59
2,172.40
2,183.26
2,194.18
2,205.15
2,216.18
2,227.26
2,238.39
2,249.59
2,260.83
2,272.14
2,283.50
2,294.92
2,306.39
2,317.92
2,329.51
2,341.16
2,352.87
2,364.63
2,376.45
2,388.34
2,400.28
2,412.28
2,424.34
2,436.46
2,448.64
2,460.89
2,473.19
2,485.56
2,497.99
2,510.48
2,523.03
2,535.64
2,548.32
2,561.06
2,573.87
2,586.74
2,599.67
2,612.67
2,625.73

239,123.89
237,098.00
235,061.99
233,015.79
230,959.36
228,892.65
226,815.61
224,728.18
222,630.31
220,521.96
218,403.06
216,273.57
214,133.43
211,982.59
209,820.99
207,648.59
205,465.33
203,271.15
201,066.00
198,849.82
196,622.56
194,384.17
192,134.58
189,873.75
187,601.61
185,318.11
183,023.19
180,716.80
178,398.88
176,069.37
173,728.21
171,375.34
169,010.71
166,634.26
164,245.92
161,845.64
159,433.36
157,009.02
154,572.56
152,123.92
149,663.03
147,189.84
144,704.28
142,206.30
139,695.82
137,172.79
134,637.15
132,088.83
129,527.76
126,953.90
124,367.16
121,767.49
119,154.82
116,529.09

260,876.11
262,902.00
264,938.01
266,984.21
269,040.64
271,107.35
273,184.39
275,271.82
277,369.69
279,478.04
281,596.94
283,726.43
285,866.57
288,017.41
290,179.01
292,351.41
294,534.67
296,728.85
298,934.00
301,150.18
303,377.44
305,615.83
307,865.42
310,126.25
312,398.39
314,681.89
316,976.81
319,283.20
321,601.12
323,930.63
326,271.79
328,624.66
330,989.29
333,365.74
335,754.08
338,154.36
340,566.64
342,990.98
345,427.44
347,876.08
350,336.97
352,810.16
355,295.72
357,793.70
360,304.18
362,827.21
365,362.85
367,911.17
370,472.24
373,046.10
375,632.84
378,232.51
380,845.18
383,470.91

261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300

3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51
3,221.51

582.65
569.45
556.19
542.86
529.47
516.01
502.48
488.89
475.23
461.49
447.69
433.82
419.89
405.88
391.80
377.65
363.43
349.14
334.78
320.35
305.84
291.26
276.61
261.89
247.09
232.22
217.27
202.25
187.15
171.98
156.73
141.41
126.01
110.53
94.98
79.34
63.63
47.84
31.98
16.03

2,638.86
2,652.06
2,665.32
2,678.64
2,692.04
2,705.50
2,719.02
2,732.62
2,746.28
2,760.01
2,773.81
2,787.68
2,801.62
2,815.63
2,829.71
2,843.86
2,858.07
2,872.37
2,886.73
2,901.16
2,915.67
2,930.24
2,944.90
2,959.62
2,974.42
2,989.29
3,004.24
3,019.26
3,034.35
3,049.53
3,064.77
3,080.10
3,095.50
3,110.98
3,126.53
3,142.16
3,157.87
3,173.66
3,189.53
3,205.48

113,890.22
111,238.17
108,572.85
105,894.21
103,202.17
100,496.68
97,777.65
95,045.03
92,298.75
89,538.74
86,764.93
83,977.24
81,175.62
78,359.99
75,530.29
72,686.43
69,828.36
66,955.99
64,069.26
61,168.10
58,252.44
55,322.19
52,377.30
49,417.68
46,443.26
43,453.97
40,449.73
37,430.47
34,396.12
31,346.59
28,281.82
25,201.72
22,106.22
18,995.24
15,868.71
12,726.55
9,568.68
6,395.01
3,205.48
0.00

386,109.78
388,761.83
391,427.15
394,105.79
396,797.83
399,503.32
402,222.35
404,954.97
407,701.25
410,461.26
413,235.07
416,022.76
418,824.38
421,640.01
424,469.71
427,313.57
430,171.64
433,044.01
435,930.74
438,831.90
441,747.56
444,677.81
447,622.70
450,582.32
453,556.74
456,546.03
459,550.27
462,569.53
465,603.88
468,653.41
471,718.18
474,798.28
477,893.78
481,004.76
484,131.29
487,273.45
490,431.32
493,604.99
496,794.52
500,000.00

Prstamo de cuota de amortizacin constante o Prstamo Italiano (A=cte)

Principal
Aos
i
Ao

500,000
10
10%
Anualidad

0
1
2
3
4
5
6
7
8
9
10

100,000
95,000
90,000
85,000
80,000
75,000
70,000
65,000
60,000
55,000

=$C$4/$C$
5

Intereses
50,000
45,000
40,000
35,000
30,000
25,000
20,000
15,000
10,000
5,000

Amortizacin
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000

Cap. Vivo Cap. Amort.

500,000
450,000
50,000
400,000
100,000
350,000
150,000
300,000
200,000
250,000
250,000
200,000
300,000
150,000
350,000
100,000
400,000
50,000
450,000
0
500,000

Prstamo Americano
Principal
Aos
i
Ao

500,000
10
10%
Anualidad

0
1
2
3
4
5
6
7
8
9
10

50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
550,000

Intereses
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000
50,000

Amortizacin
0
0
0
0
0
0
0
0
0
500,000

Cap. Vivo Cap. Amort.

500,000
500,000
0
500,000
0
500,000
0
500,000
0
500,000
0
500,000
0
500,000
0
500,000
0
500,000
0
0
500,000

Carencia
Principal
Aos
i
Ao
0
1
2
3
4
5
6
7
8
9
10

500,000
10
10%

=+C10-D10

Anualidad

Intereses Amortizacin

0.00
0.00
60,500.00
60,500.00
161,333.33
151,250.00
141,166.67
131,083.33
121,000.00
110,916.67

50,000.00
55,000.00
60,500.00
60,500.00
60,500.00
50,416.67
40,333.33
30,250.00
20,166.67
10,083.33

-50,000.00
-55,000.00
0.00
0.00
100,833.33
100,833.33
100,833.33
100,833.33
100,833.33
100,833.33

Cap. Vivo Cap. Amort.

500,000.00
550,000.00
-50,000.00
605,000.00 -105,000.00
605,000.00 -105,000.00
605,000.00 -105,000.00
504,166.67
-4,166.67
403,333.33
96,666.67
302,500.00 197,500.00
201,666.67 298,333.33
100,833.33 399,166.67
0.00 500,000.00

Carencia
Total
Carencia

Prstamo
Italiano

Prstamo a tipo variable

Principal
Aos
t. inters
Diferencial
Ao

500,000
10
Euribor+0.50%

0.50%
Euribor

0
1
2
3
4
5
6
7
8
9
10

2.00%
2.30%
2.60%
2.90%
3.20%
3.50%
3.80%
4.10%
4.40%
4.70%

=PAGO(D11;10-B10;H10)

E+0.50% Anualidad Intereses Amortizacin

2.50%
2.80%
3.10%
3.40%
3.70%
4.00%
4.30%
4.60%
4.90%
5.20%

57,129.38
57,940.82
58,679.54
59,343.46
59,930.61
60,439.06
60,866.96
61,212.51
61,474.00
61,649.80

12,500.00
12,750.38
12,715.59
12,383.35
11,738.48
10,762.56
9,433.66
7,725.89
5,608.91
3,047.33

44,629.38
45,190.45
45,963.95
46,960.11
48,192.14
49,676.51
51,433.30
53,486.61
55,865.08
58,602.47

Cap. Vivo Cap. Amort.

500,000.00
455,370.62
44,629.38
410,180.17
89,819.83
364,216.22 135,783.78
317,256.11 182,743.89
269,063.98 230,936.02
219,387.47 280,612.53
167,954.17 332,045.83
114,467.56 385,532.44
58,602.47 441,397.53
0.00 500,000.00

Prstamo mensual a tipo variable

=PAGO(D10;120-B9;H9)

Principal
Aos
Meses
Tipo variable
Diferencial

Mes Ao T.Mensual Mensualidad Intereses Amortizacin

0
0
1
1
0.2083%
4,713.50
1,041.67
3,671.83
2
1
0.2083%
4,713.50
1,034.02
3,679.48
3
1
0.2083%
4,713.50
1,026.35
3,687.14
4
1
0.2083%
4,713.50
1,018.67
3,694.83
5
1
0.2083%
4,713.50
1,010.97
3,702.52
6
1
0.2083%
4,713.50
1,003.26
3,710.24
7
1
0.2083%
4,713.50
995.53
3,717.97
8
1
0.2083%
4,713.50
987.78
3,725.71
9
1
0.2083%
4,713.50
980.02
3,733.47
10
1
0.2083%
4,713.50
972.24
3,741.25
11
1
0.2083%
4,713.50
964.45
3,749.05
12
1
0.2083%
4,713.50
956.64
3,756.86
13
2
0.2417%
4,796.23
1,100.62
3,695.61
14
2
0.2417%
4,796.23
1,091.69
3,704.54
15
2
0.2417%
4,796.23
1,082.74
3,713.49
16
2
0.2417%
4,796.23
1,073.76
3,722.46
17
2
0.2417%
4,796.23
1,064.77
3,731.46
18
2
0.2417%
4,796.23
1,055.75
3,740.48
19
2
0.2417%
4,796.23
1,046.71
3,749.52
20
2
0.2417%
4,796.23
1,037.65
3,758.58
21
2
0.2417%
4,796.23
1,028.57
3,767.66
22
2
0.2417%
4,796.23
1,019.46
3,776.77
23
2
0.2417%
4,796.23
1,010.33
3,785.89
24
2
0.2417%
4,796.23
1,001.18
3,795.04
25
3
0.2750%
4,870.99
1,128.84
3,742.15
26
3
0.2750%
4,870.99
1,118.55
3,752.44
27
3
0.2750%
4,870.99
1,108.23
3,762.76
28
3
0.2750%
4,870.99
1,097.88
3,773.10
29
3
0.2750%
4,870.99
1,087.51
3,783.48
30
3
0.2750%
4,870.99
1,077.10
3,793.88
31
3
0.2750%
4,870.99
1,066.67
3,804.32
32
3
0.2750%
4,870.99
1,056.21
3,814.78
33
3
0.2750%
4,870.99
1,045.72
3,825.27
34
3
0.2750%
4,870.99
1,035.20
3,835.79
35
3
0.2750%
4,870.99
1,024.65
3,846.34
36
3
0.2750%
4,870.99
1,014.07
3,856.91
37
4
0.3083%
4,937.47
1,125.10
3,812.37
38
4
0.3083%
4,937.47
1,113.34
3,824.13
39
4
0.3083%
4,937.47
1,101.55
3,835.92
40
4
0.3083%
4,937.47
1,089.73
3,847.75
41
4
0.3083%
4,937.47
1,077.86
3,859.61
42
4
0.3083%
4,937.47
1,065.96
3,871.51
43
4
0.3083%
4,937.47
1,054.02
3,883.45
44
4
0.3083%
4,937.47
1,042.05
3,895.42
45
4
0.3083%
4,937.47
1,030.04
3,907.43
46
4
0.3083%
4,937.47
1,017.99
3,919.48

500,000
10 aos
120
E + 0.50%
0.50%
Cap. Vivo Cap. Amort.
500,000.00
496,328.17
3,671.83
492,648.69
7,351.31
488,961.55
11,038.45
485,266.72
14,733.28
481,564.20
18,435.80
477,853.97
22,146.03
474,136.00
25,864.00
470,410.29
29,589.71
466,676.81
33,323.19
462,935.56
37,064.44
459,186.52
40,813.48
455,429.66
44,570.34
451,734.05
48,265.95
448,029.52
51,970.48
444,316.03
55,683.97
440,593.56
59,406.44
436,862.10
63,137.90
433,121.62
66,878.38
429,372.11
70,627.89
425,613.53
74,386.47
421,845.86
78,154.14
418,069.10
81,930.90
414,283.20
85,716.80
410,488.16
89,511.84
406,746.01
93,253.99
402,993.58
97,006.42
399,230.82 100,769.18
395,457.72 104,542.28
391,674.24 108,325.76
387,880.35 112,119.65
384,076.04 115,923.96
380,261.26 119,738.74
376,435.99 123,564.01
372,600.20 127,399.80
368,753.86 131,246.14
364,896.95 135,103.05
361,084.57 138,915.43
357,260.44 142,739.56
353,424.52 146,575.48
349,576.78 150,423.22
345,717.16 154,282.84
341,845.65 158,154.35
337,962.20 162,037.80
334,066.78 165,933.22
330,159.35 169,840.65
326,239.86 173,760.14

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
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

4
4
5
5
5
5
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
7
7
7
7
7
7
7
7
7
7
7
7
8
8
8
8
8
8
8
8
8
8
8
8
9
9
9
9

0.3083%
0.3083%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3417%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.3750%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4083%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4417%
0.4750%
0.4750%
0.4750%
0.4750%

4,937.47
4,937.47
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
4,995.39
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,044.46
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,084.39
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,114.93
5,135.82
5,135.82
5,135.82
5,135.82

1,005.91
993.78
1,087.75
1,074.39
1,061.00
1,047.56
1,034.07
1,020.53
1,006.95
993.32
979.65
965.93
952.16
938.35
1,014.68
999.57
984.40
969.18
953.89
938.55
923.16
907.70
892.19
876.62
860.99
845.30
903.29
886.22
869.08
851.86
834.58
817.23
799.80
782.31
764.74
747.10
729.39
711.61
750.39
731.11
711.75
692.30
672.77
653.15
633.44
613.65
593.77
573.80
553.74
533.60
552.11
530.33
508.46
486.48

3,931.57
3,943.69
3,907.65
3,921.00
3,934.39
3,947.84
3,961.32
3,974.86
3,988.44
4,002.07
4,015.74
4,029.46
4,043.23
4,057.04
4,029.78
4,044.89
4,060.06
4,075.28
4,090.56
4,105.90
4,121.30
4,136.76
4,152.27
4,167.84
4,183.47
4,199.16
4,181.10
4,198.18
4,215.32
4,232.53
4,249.81
4,267.17
4,284.59
4,302.09
4,319.65
4,337.29
4,355.00
4,372.79
4,364.55
4,383.83
4,403.19
4,422.63
4,442.17
4,461.79
4,481.49
4,501.29
4,521.17
4,541.14
4,561.19
4,581.34
4,583.71
4,605.49
4,627.36
4,649.34

322,308.30
318,364.61
314,456.96
310,535.96
306,601.57
302,653.73
298,692.41
294,717.55
290,729.11
286,727.04
282,711.30
278,681.84
274,638.61
270,581.57
266,551.79
262,506.91
258,446.85
254,371.57
250,281.00
246,175.10
242,053.80
237,917.04
233,764.78
229,596.94
225,413.47
221,214.31
217,033.21
212,835.03
208,619.71
204,387.18
200,137.37
195,870.20
191,585.61
187,283.52
182,963.87
178,626.58
174,271.58
169,898.79
165,534.24
161,150.42
156,747.23
152,324.59
147,882.43
143,420.64
138,939.14
134,437.86
129,916.69
125,375.55
120,814.36
116,233.02
111,649.31
107,043.82
102,416.46
97,767.12

177,691.70
181,635.39
185,543.04
189,464.04
193,398.43
197,346.27
201,307.59
205,282.45
209,270.89
213,272.96
217,288.70
221,318.16
225,361.39
229,418.43
233,448.21
237,493.09
241,553.15
245,628.43
249,719.00
253,824.90
257,946.20
262,082.96
266,235.22
270,403.06
274,586.53
278,785.69
282,966.79
287,164.97
291,380.29
295,612.82
299,862.63
304,129.80
308,414.39
312,716.48
317,036.13
321,373.42
325,728.42
330,101.21
334,465.76
338,849.58
343,252.77
347,675.41
352,117.57
356,579.36
361,060.86
365,562.14
370,083.31
374,624.45
379,185.64
383,766.98
388,350.69
392,956.18
397,583.54
402,232.88

101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

9
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
10
10
10
10

0.4750%
0.4750%
0.4750%
0.4750%
0.4750%
0.4750%
0.4750%
0.4750%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%
0.5083%

5,135.82
5,135.82
5,135.82
5,135.82
5,135.82
5,135.82
5,135.82
5,135.82
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81
5,146.81

464.39
442.20
419.91
397.51
375.00
352.39
329.67
306.84
303.82
279.20
254.46
229.59
204.60
179.47
154.22
128.84
103.34
77.70
51.93
26.03

4,671.43
4,693.62
4,715.91
4,738.31
4,760.82
4,783.43
4,806.15
4,828.98
4,842.98
4,867.60
4,892.35
4,917.21
4,942.21
4,967.33
4,992.58
5,017.96
5,043.47
5,069.11
5,094.88
5,120.78

93,095.69
88,402.07
83,686.16
78,947.85
74,187.03
69,403.60
64,597.45
59,768.47
54,925.48
50,057.88
45,165.54
40,248.32
35,306.11
30,338.78
25,346.19
20,328.23
15,284.76
10,215.65
5,120.78
0.00

406,904.31
411,597.93
416,313.84
421,052.15
425,812.97
430,596.40
435,402.55
440,231.53
445,074.52
449,942.12
454,834.46
459,751.68
464,693.89
469,661.22
474,653.81
479,671.77
484,715.24
489,784.35
494,879.22
500,000.00

Consideramos que es un TIN.

TIN es el tipo de inters
nominal.

Ao Euribor E + 0.50% T. Mensual

1 2.00%
2.50%
0.2083%
2 2.40%
2.90%
0.2417%
3 2.80%
3.30%
0.2750%
4 3.20%
3.70%
0.3083%
5 3.60%
4.10%
0.3417%
6 4.00%
4.50%
0.3750%
7 4.40%
4.90%
0.4083%
8 4.80%
5.30%
0.4417%
9 5.20%
5.70%
0.4750%
10 5.60%
6.10%
0.5083%