P

n
i
i50
R

6700
10
2.000%
3.36%
799.760727
799.760727

Periodo de gracia con Pago interes

P
6700
n
10
i
2.000%
i50
3.36%
R
799.760727
874.831991
el periodo seria 9

periodo de gracia sin paso interes

P
6700
n
10
i
2.000%
i50
3.36%
R
799.760727
904.187035

periodo

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

799.760727
799.7607266
799.7607266
799.7607266
799.7607266
799.7607266
799.7607266
799.7607266
799.7607266
799.7607266

Solo pagas el interes

periodo

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

224.818935
874.831991
874.831991
874.831991
874.831991
874.831991
874.831991
874.831991
874.831991
874.831991

El nuevo P a considerar seria y con el per

periodo

renta
0
1
0.000000
2 904.187035
3 904.1870354
4 904.1870354
5 904.1870354

6
7
8
9
10

P=
n
TEA
TE45
R
TE15

20000
14
13%
1.54%
1271.503834
0.511%

periodos

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

45dias
1.024%
18331.683784
interes

1271.503834 19.574162109
1271.503834 39.449658601
1271.503834 59.631128365
1271.503834 80.123281708
1271.503834 100.93090145
1271.503834 122.05884403
1271.503834 143.51204066
1271.503834 165.29549846
1271.503834 187.41430165
1271.503834 209.87361268
1271.503834 232.67867352
1271.503834 255.83480679
1271.503834 279.3474171
1271.503834 303.22199221

Con modificacion
10000
10 TEA
10% TEM
1660.549083

P
n
TEA
R=
periodo

renta
0
1
2
3
4
5

904.1870354
904.1870354
904.1870354
904.1870354
904.1870354

interes

1660.549083 1047.1306744
1660.549083 982.89775124
1660.549083 911.93880166
1660.549083 833.5495228
1660.549083 746.9518621

saldo

Monto en el 19 mes
18145.927
periodo12

1291.0779964
2602.0314894
3933.1664521
5284.7935681
6657.2283039
8050.7909823
9465.8068573
10902.60619
12361.524326
13842.901773
15347.084281
16874.422922
18425.274173
20000

10.47%
0.0083333333

amortizacion

saldo
10000
613.41840841 9386.5816
677.65133158 8708.9303
748.61028116
7960.32
826.99956002 7133.3204
913.59722073 6219.7232

30

Ojo, pestaa y ceja. Periodo 1

18331.68378

6
7
8
9
10

P
n
TEA
R=

1660.549083 651.28629471
1660.549083 545.60329231
1660.549083 428.85389856
1660.549083 299.87931766
1660.549083 157.39941277

10000
10
10% TEA
1769.066903

periodo

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

interes

1047.130674 1047.1306744
1769.066903 1047.1306744
1769.066903 971.5345174
1769.066903 888.02245489
1769.066903 795.76558815
1769.066903 693.8482219
1769.066903 581.25877561
1769.066903 456.87974304
1769.066903 319.47660044
1769.066903 167.6855533

Power Point
CASO
P=
8100
11/23/2004
1080
11/8/2007
TEA
16% TEM
n=
36
R=
280.7910577

1009.2627881
1114.9457905
1231.6951843
1360.6697652
1503.14967

5210.4604
4095.5146
2863.8194
1503.1497
0.00

10.47%

amortizacion

saldo
10000
0
10000
721.93622882 9278.0638
797.53238584 8480.5314
881.04444835 7599.4869
973.30131509 6626.1856
1075.2186813 5550.9669
1187.8081276 4363.1588
1312.1871602 3050.9717
1449.5903028 1601.3813
1601.3813499
0.00

1.250%

como no pago 2 veces al ao el periodo s

para hallar la amortizacion

Periodo
renta
interes
amortizacion saldo
11/23/2004
12/23/2004 101.2532279 101.25322789
0
1/22/2005 371.2532279 101.25322789
270
2/21/2005 367.8781203 97.878120292
270
3/23/2005 364.5030127 94.503012695
270
4/22/2005 91.1279051 91.127905099
0
5/22/2005 361.1279051 91.127905099
270
6/21/2005 357.7527975 87.752797503
270
7/21/2005 354.3776899 84.377689907
270

8100
8100
7830
7560 como no se amortiza nada en
7290 entonces ponemos 0 en las am
7290 si pagamos el interes
7020
6750
6480

8/20/2005
9/19/2005
10/19/2005
11/18/2005
12/18/2005
1/17/2006
2/16/2006
3/18/2006
4/17/2006
5/17/2006
6/16/2006
7/16/2006
8/15/2006
9/14/2006
10/14/2006
11/13/2006
12/13/2006
1/12/2007
2/11/2007
3/13/2007
4/12/2007
5/12/2007
6/11/2007
7/11/2007
8/10/2007
9/9/2007
10/9/2007
11/8/2007

351.0025823 81.00258231
347.6274747 77.627474714
344.2523671 74.252367118
340.8772595 70.877259522
67.50215193 67.502151925
337.5021519 67.502151925
334.1270443 64.127044329
330.7519367 60.751936733
57.37682914 57.376829137
327.3768291 57.376829137
324.0017215 54.00172154
320.6266139 50.626613944
317.2515063 47.251506348
313.8763988 43.876398751
310.5012912 40.501291155
307.1261836 37.126183559
33.75107596 33.751075963
303.751076 33.751075963
300.3759684 30.375968366
297.0008608 27.00086077
23.62575317 23.625753174
293.6257532 23.625753174
290.2506456 20.250645578
286.875538 16.875537981
283.5004304 13.500430385
280.1253228 10.125322789
276.7502152 6.7502151925
273.3751076 3.3751075963

270
270
270
270
0
270
270
270
0
270
270
270
270
270
270
270
0
270
270
270
0
270
270
270
270
270
270
270

6210
5940
5670
5400
5400
5130
4860
4590
4590
4320
4050
3780
3510
3240
2970
2700
2700
2430
2160
1890
1890
1620
1350
1080
810
540
270
0

interes
224.818935
205.526726
185.587166
164.978532
143.678374
121.663488
98.909891
75.392796
51.086583
25.964773

interes
224.818935
224.818935
203.007705
180.464598
157.165055
133.083694
108.194281
82.469703
55.881935
28.402013

amortizacion
574.94179115
594.23400032
614.17356082
634.78219457
656.08235236
678.09723834
700.85083524
724.36793056
748.67414355
773.79595309

amortizacion
0
650.01305561
671.82428594
694.36739352
717.66693653
741.74829723
766.63770955
792.36228772
818.95005578
846.42997812

saldo
6700
6125.058209
5530.824209
4916.650648
4281.868453
3625.786101
2947.688862
2246.838027
1522.470097
773.7959531
0.00

saldo
6700
6700
6049.986944
5378.162658
4683.795265
3966.128328
3224.380031
2457.742322
1665.380034
846.4299781
0.00

siderar seria y con el periodo disminuido en 1

interes

amortizacion

224.818935 -224.81893543
232.362749 671.82428594
209.819642 694.36739352
186.520099 717.66693653
162.438738 741.74829723

saldo
6700
6924.818935
6252.994649
5558.627256
4840.960319
4099.212022

137.549326
111.824748
85.236980
57.757057
29.355044

766.63770955
792.36228772
818.95005578
846.42997812
874.83199105

3332.574313
2540.212025
1721.261969
874.831991
0.00

o en el 19 mes
15

18425.27417
periodo13

pestaa y ceja. Periodo 12 es saldo + renta :3

P
n
TNA
R=

10000
10 TEA
10% TEM
1954.3113252

periodo

renta
0
1
2
3
4
5

0
1954.3113252
1954.3113252
1954.3113252
1954.3113252

interes

10.47%
0.83%

amortizaciosaldo
10000
1047.130674 -1047.131 11047.131
1156.778939 797.53239 10249.598
1073.266877 881.04445 9368.5538
981.0100101 973.30132 8395.2525
879.0926439 1075.2187 7320.0338

6
7
8
9
10

P
n
TEA
R=

1954.3113252
1954.3113252
1954.3113252
1954.3113252
1954.3113252

766.5031976
642.124165
504.7210224
352.9299752
185.2444219

10000
10 TEA
10%
2326.943759

periodo

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

0
0
2326.943759
2326.943759
2326.943759
2326.943759
2326.943759
2326.943759
2326.943759
2326.943759

interes

1187.8081
1312.1872
1449.5903
1601.3813
1769.0669

6132.2257
4820.0386
3370.4483
1769.0669
0.00

10.47%

amortizaciosaldo
10000
1047.130674 -1047.131 11047.131
1156.778939 -1156.779 12203.91
1277.90881 1049.0349 11154.875
1168.061143 1158.8826 9995.992
1046.71099 1280.2328 8715.7593
912.6538893 1414.2899 7301.4694
764.5592588 1562.3845 5739.0849
600.9571852 1725.9866 4013.0983
420.2238367 1906.7199 2106.3784
220.5653449 2106.3784
0.00

veces al ao el periodo seria 30

mortizacion

o no se amortiza nada en diciembre ni abril

nces ponemos 0 en las amortizaciones pero
gamos el interes

Del power point

P
n
TEA
R=

10000
10
10%
1627.4539

periodo

renta
0
1
2
3
4
5

1627.4539
1627.4539
1627.4539
1627.4539
1627.4539

P
n
TEA
R=
interes

amortizaciosaldo
10000
1000 627.45395 9372.5461
937.25461 690.19934 8682.3467
868.23467 759.21928 7923.1274
792.31274 835.14121 7087.9862
708.79862 918.65533 6169.3309

periodo
0
1
2
3
4
5

6
7
8
9
10

1627.4539
1627.4539
1627.4539
1627.4539
1627.4539

P
n
TEA
R=

10000
10
10%
1736.4054

periodo

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

1000
1736.4054
1736.4054
1736.4054
1736.4054
1736.4054
1736.4054
1736.4054
1736.4054
1736.4054

616.93309
515.881
404.72371
282.45069
147.95036

1010.5209
5158.81
1111.5729 4047.2371
1222.7302 2824.5069
1345.0033 1479.5036
1479.5036
0.00

6
7
8
9
10

P
n
TEA
R=
interes

amortizaciosaldo
10000
1000
0
10000
1000 736.40539 9263.5946
926.35946 810.04593 8453.5487
845.35487 891.05052 7562.4982
756.24982 980.15558 6582.3426
658.23426 1078.1711 5504.1714
550.41714 1185.9882 4318.1832
431.81832 1304.5871 3013.5961
301.35961 1435.0458 1578.5504
157.85504 1578.5504
0.00

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

10000
10
10%
1910.0459
renta
0
1910.0459
1910.0459
1910.0459
1910.0459

interes

amortizaciosaldo
10000
1000
-1000
11000
1100 810.04593 10189.954
1018.9954 891.05052 9298.9035
929.89035 980.15558 8318.748
831.8748 1078.1711 7240.5768

1910.0459
1910.0459
1910.0459
1910.0459
1910.0459

724.05768
605.45886
475.00015
331.49557
173.64054

1185.9882
1304.5871
1435.0458
1578.5504
1736.4054

6054.5886
4750.0015
3314.9557
1736.4054
0.00

10000
10
10%
2268.0726
renta
0
0
2268.0726
2268.0726
2268.0726
2268.0726
2268.0726
2268.0726
2268.0726
2268.0726

interes

amortizaciosaldo
10000
1000
-1000
11000
1100
-1100
12100
1210 1058.0726 11041.927
1104.1927 1163.8799 9878.0475
987.80475 1280.2679 8597.7797
859.77797 1408.2946 7189.485
718.9485 1549.1241 5640.3609
564.03609 1704.0365 3936.3244
393.63244 1874.4402 2061.8842
206.18842 2061.8842
0.00