AMORTIZACION DE PRESTAMO

Si nos prestan $50,000 a pagar en abonos iguales a 30,60 y 60 das, a una tasa capitalizable mensualmente de 30%.
a) De cunto ser cada pago?
Construir todas las formulas y realizar los cuatro clculo con ellas y con la funcin.
Elaborar tabla de amortizacion
b) de cunto sera el pago total por el prstamo?
c) de cunto ser el pago total por los intereses?
d) Elaborar las grficas de intereses y pagos a capital.

META DE AHORRO ANTICIPADA Y ORDINARIA

Si deseamos reunir hoy 500,000.00 mediante ahorros mensuales dentro de cuatro aos en una cuenta que nos pag
todas las formulas y realizar los cuatro calculos con ellas y con la funcion. Elaborar la tabla de ahorro. Elaborar grfi

DATOS, VARIABLES Y FORMULAS

PRESTAMO AHORRO ANTICIPADO AHORRO ORDINARIO

=1 =1+_ C= 50,000.00 - -
_=_/ i nom = 20% 6% 6%
p= 12 12 12
t= 2 4 4
=1+ _ M= - 500,000 500,000
a= 1 1.00500 1
= i per 1.67% 0.50% 0.50%
r= 1.0167 1.005 1.005
S=(^1)/((1) ) m= 24 48 48
S= 29.2148770768 54.3683213802 54.0978322191
Pagos iguales prestamo R= 2,544.79 9,196.53 9,242.51
=((1+_ )^)/ k= 0 1 0
R= 2,544.79 9,196.53 9,242.51
Rm 61,074.96 441,433.53 443,640.70

I=M-Rm 58,566.47
I 11,074.96 441,433.53 443,640.70
Pagos iguales ahorro R= 2,544.79 - 9,196.53 - 9,242.51

=/ R= 2,544.79 $9,196.53 $9,242.51

Pagos iguales prestamo

= (_)/((1 1/ Pagos igaules anualidades en general
(1+_ )^ ) ) =(_ [(1+_ )^])/(1+_ )[(1+_ )^1
 Pagos iguales ahorros anticipadois
=/(((1+_ )^1 (1+_ )) )

Pgos iguales ahorros ordinarios

=/(((1+_ )^1 ) )

PERIODO INTERES CAPITAL

$ 11,074.96 $ 5,220.42 $ 7,634.37
1 833.33 1,711.46 2,544.79
2 804.81 1,739.98 2,544.79
3 775.81 1,768.98 2,544.79
4 746.33 1,798.46 2,544.79
5 716.35 1,828.44 2,544.79
6 685.88 1,858.91 2,544.79
7 654.90 1,889.89 2,544.79
8 623.40 1,921.39 2,544.79
9 591.37 1,953.42 2,544.79
10 558.82 1,985.97 2,544.79
11 525.72 2,019.07 2,544.79
12 492.07 2,052.72 2,544.79
13 457.85 2,086.94 2,544.79
14 423.07 2,121.72 2,544.79
15 387.71 2,157.08 2,544.79
16 351.76 2,193.03 2,544.79
17 315.21 2,229.58 2,544.79
18 278.05 2,266.74 2,544.79
19 240.27 2,304.52 2,544.79
20 201.86 2,342.93 2,544.79
21 162.81 2,381.98 2,544.79
22 123.11 2,421.68 2,544.79
23 82.75 2,462.04 2,544.79
24 41.72 2,503.07 2,544.79
zable mensualmente de 30%. Calcular el importe de cada pago

os en una cuenta que nos paga de interes el 6% capitalizable mensualmente, de cuanto sera cada pago al ahorro. Calcularlo en forma antic
abla de ahorro. Elaborar grfica de intereses ganados y de los ahorros efectuados

pv Capital que se prest

Tasa Nominal
Periodo de capitalizacin por ao
Plazo en aos
fv
rate Tasa Periodica
Razn de Crecimiento
Numero total de pagos en el plazo.
nper
Importe de pago (primera formula)

type k = 0 ordinaria, k = 1 anticipada

segunda formula
Capital ms intereses

Intereses
tercera formula

con funcion PMT

ades en general
)[(1+_ )^1]
 M=C(1+iper)^m

PAGOS Periodo Ahorros anticipados

$ 50,000.00 441,433.53
48,288.54 1 9,196.53
46,548.56 2 9,196.53
44,779.58 3 9,196.53
42,981.12 4 9,196.53
41,152.68 5 9,196.53
39,293.77 6 9,196.53
37,403.87 7 9,196.53
35,482.48 8 9,196.53
33,529.07 9 9,196.53
31,543.09 10 9,196.53
29,524.02 11 9,196.53
27,471.30 12 9,196.53
25,384.36 13 9,196.53
23,262.65 14 9,196.53
21,105.57 15 9,196.53
18,912.54 16 9,196.53
16,682.95 17 9,196.53
14,416.21 18 9,196.53
12,111.69 19 9,196.53
9,768.76 20 9,196.53
7,386.79 21 9,196.53
4,965.11 22 9,196.53
2,503.07 23 9,196.53

0.00 24 9,196.53
25 9,196.53
26 9,196.53
27 9,196.53
28 9,196.53
29 9,196.53
30 9,196.53
31 9,196.53
32 9,196.53
33 9,196.53
34 9,196.53
35 9,196.53
36 9,196.53
37 9,196.53
38 9,196.53
39 9,196.53
40 9,196.53
41 9,196.53
42 9,196.53
43 9,196.53
44 9,196.53
45 9,196.53
46 9,196.53
47 9,196.53
48 9,196.53
cada pago al ahorro. Calcularlo en forma anticipada y ordinaria. Construir
 Valor futuro Interes Ahorros oridnarios Valor futuro Interes
500000.000000015 58,566.47 441433.529502955 500000.000000005 56,359.30
9242.5145239681 45.98 9,242.51 9242.5145239679 -
9288.727096588 92.20 9,242.51 9288.7270965878 46.21
9335.1707320709 138.64 9,242.51 9335.1707320707 92.66
9381.8465857313 185.31 9,242.51 9381.8465857311 139.33
9428.7558186599 232.22 9,242.51 9428.7558186597 186.24
9475.8995977532 279.37 9,242.51 9475.899597753 233.39
9523.279095742 326.75 9,242.51 9523.2790957418 280.76
9570.8954912207 374.36 9,242.51 9570.8954912205 328.38
9618.7499686768 422.22 9,242.51 9618.7499686766 376.24
9666.8437185202 470.31 9,242.51 9666.84371852 424.33
9715.1779371128 518.65 9,242.51 9715.1779371126 472.66
9763.7538267983 567.22 9,242.51 9763.7538267981 521.24
9812.5725959323 616.04 9,242.51 9812.5725959321 570.06
9861.635458912 665.10 9,242.51 9861.6354589118 619.12
9910.9436362066 714.41 9,242.51 9910.9436362063 668.43
9960.4983543876 763.97 9,242.51 9960.4983543874 717.98
10010.3008461595 813.77 9,242.51 10010.3008461593 767.79
10060.3523503903 863.82 9,242.51 10060.3523503901 817.84
10110.6541121423 914.12 9,242.51 10110.654112142 868.14
10161.207382703 964.68 9,242.51 10161.2073827028 918.69
10212.0134196165 1,015.48 9,242.51 10212.0134196163 969.50
10263.0734867146 1,066.54 9,242.51 10263.0734867144 1,020.56
10314.3888541481 1,117.86 9,242.51 10314.3888541479 1,071.87
10365.9607984189 1,169.43 9,242.51 10365.9607984187 1,123.45
10417.790602411 1,221.26 9,242.51 10417.7906024108 1,175.28
10469.879555423 1,273.35 9,242.51 10469.8795554228 1,227.37
10522.2289532001 1,325.70 9,242.51 10522.2289531999 1,279.71
10574.8400979661 1,378.31 9,242.51 10574.8400979659 1,332.33
10627.714298456 1,431.18 9,242.51 10627.7142984557 1,385.20
10680.8528699483 1,484.32 9,242.51 10680.852869948 1,438.34
10734.257134298 1,537.73 9,242.51 10734.2571342978 1,491.74
10787.9284199695 1,591.40 9,242.51 10787.9284199692 1,545.41
10841.8680620693 1,645.34 9,242.51 10841.8680620691 1,599.35
10896.0774023797 1,699.55 9,242.51 10896.0774023794 1,653.56
10950.5577893916 1,754.03 9,242.51 10950.5577893913 1,708.04
11005.3105783385 1,808.78 9,242.51 11005.3105783383 1,762.80
11060.3371312302 1,863.81 9,242.51 11060.33713123 1,817.82
11115.6388168864 1,919.11 9,242.51 11115.6388168861 1,873.12
11171.2170109708 1,974.69 9,242.51 11171.2170109706 1,928.70
11227.0730960257 2,030.54 9,242.51 11227.0730960254 1,984.56
11283.2084615058 2,086.68 9,242.51 11283.2084615055 2,040.69
11339.6245038133 2,143.09 9,242.51 11339.6245038131 2,097.11
11396.3226263324 2,199.79 9,242.51 11396.3226263321 2,153.81
11453.304239464 2,256.77 9,242.51 11453.3042394638 2,210.79
11510.5707606614 2,314.04 9,242.51 11510.5707606611 2,268.06
11568.1236144647 2,371.59 9,242.51 11568.1236144644 2,325.61
11625.964232537 2,429.43 9,242.51 11625.9642325367 2,383.45
11684.0940536997 2,487.56 9,242.51 11684.0940536994 2,441.58
 Ahorrod

PERIODO anticipados valor futuro PAGOS SALDO

1 2413.951755 5220.4186411 7634.3703964858 50000
2 1 833.3333333 1711.4567988 2544.790132162 48288.54
3 2 804.8090534 1739.9810788 2544.790132162 46548.56
4 3 775.8093687 1768.9807635 2544.790132162 44779.58
5 4 746.326356 1798.4637762 2544.790132162 42981.12
6 5 716.3519597 1828.4381724 2544.790132162 41152.68
7 6 685.8779902 1858.912142 2544.790132162 39293.77
8 7 654.8961211 1889.894011 2544.790132162 37403.87
9 8 623.3978876 1921.3922445 2544.790132162 35482.48
10 9 591.3746835 1953.4154486 2544.790132162 33529.07
11 10 558.8177594 1985.9723728 2544.790132162 31543.09
12 11 525.7182199 2019.0719123 2544.790132162 29524.02
13 12 492.0670213 2052.7231108 2544.790132162 27471.3
14 13 457.8549695 2086.9351627 2544.790132162 25384.36
15 14 423.0727168 2121.7174154 2544.790132162 23262.65
16 15 387.7107598 2157.0793723 2544.790132162 21105.57
17 16 351.759437 2193.0306952 2544.790132162 18912.54
18 17 315.2089254 2229.5812068 2544.790132162 16682.95
19 18 278.0492386 2266.7408936 2544.790132162 14416.21
20 19 240.2702237 2304.5199085 2544.790132162 12111.69
21 20 201.8615586 2342.9285736 2544.790132162 9768.765
22 21 162.812749 2381.9773832 2544.790132162 7386.788
23 22 123.113126 2421.6770062 2544.790132162 4965.111
24 23 82.75184251 2462.0382896 2544.790132162 2503.072
25 24 41.71787102 2503.0722611 2544.790132162 1.06E-10
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