Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera

Conferencista: Luis Fernando Gmez

EJERCICIO DE TABLAS DE AMORTIZACION

Tabla de amortizacin para 12 periodos, con tasa de inters 1.95% mensual con prestamos de $ 10.000.000 de pesos, con cuota fija a
travs del tiempo.

LAS CELDAS DE COLOR AMARILLO ( ) SON PARAMETROS

1.797% tasa de inters bimensual monto $75,000

N = 48

periodos inicial inters capital cuota final

0 $75,000.00
1 $75,000.00 $1,347.50 $997.58 $2,345.08 $74,002.42
2 $74,002.42 $1,329.58 $1,015.50 $2,345.08 $72,986.92
3 $72,986.92 $1,311.33 $1,033.75 $2,345.08 $71,953.18
4 $71,953.18 $1,292.76 $1,052.32 $2,345.08 $70,900.86
5 $70,900.86 $1,273.85 $1,071.22 $2,345.08 $69,829.64
6 $69,829.64 $1,254.61 $1,090.47 $2,345.08 $68,739.16
7 $68,739.16 $1,235.01 $1,110.06 $2,345.08 $67,629.10
8 $67,629.10 $1,215.07 $1,130.01 $2,345.08 $66,499.09
9 $66,499.09 $1,194.77 $1,150.31 $2,345.08 $65,348.79
10 $65,348.79 $1,174.10 $1,170.98 $2,345.08 $64,177.81
11 $64,177.81 $1,153.06 $1,192.02 $2,345.08 $62,985.79
12 $62,985.79 $1,131.64 $1,213.43 $2,345.08 61,772.36
13 $61,772.36 $1,109.84 $1,235.23 $2,345.08 60,537.13
14 $60,537.13 $1,087.65 $1,257.43 $2,345.08 59,279.70
15 $59,279.70 $1,065.06 $1,280.02 $2,345.08 57,999.68
16 $57,999.68 $1,042.06 $1,303.02 $2,345.08 56,696.67
17 $56,696.67 $1,018.65 $1,326.43 $2,345.08 55,370.24
18 $55,370.24 $994.82 $1,350.26 $2,345.08 54,019.98
19 $54,019.98 $970.56 $1,374.52 $2,345.08 52,645.46
20 $52,645.46 $945.86 $1,399.21 $2,345.08 51,246.25
21 $51,246.25 $920.72 $1,424.35 $2,345.08 49,821.90
22 $49,821.90 $895.13 $1,449.94 $2,345.08 48,371.96
23 $48,371.96 $869.08 $1,475.99 $2,345.08 46,895.96
24 $46,895.96 $842.56 $1,502.51 $2,345.08 45,393.45
25 $45,393.45 $815.57 $1,529.51 $2,345.08 43,863.94
26 $43,863.94 $788.09 $1,556.99 $2,345.08 42,306.95
27 $42,306.95 $760.11 $1,584.96 $2,345.08 40,721.99
28 $40,721.99 $731.64 $1,613.44 $2,345.08 39,108.55
29 $39,108.55 $702.65 $1,642.43 $2,345.08 37,466.13
30 $37,466.13 $673.14 $1,671.94 $2,345.08 35,794.19
31 $35,794.19 $643.10 $1,701.97 $2,345.08 34,092.22
32 $34,092.22 $612.52 $1,732.55 $2,345.08 32,359.66
33 $32,359.66 $581.40 $1,763.68 $2,345.08 30,595.98
34 $30,595.98 $549.71 $1,795.37 $2,345.08 28,800.61
35 $28,800.61 $517.45 $1,827.63 $2,345.08 26,972.99
36 $26,972.99 $484.61 $1,860.46 $2,345.08 25,112.53
37 $25,112.53 $451.19 $1,893.89 $2,345.08 23,218.64

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 Diplomado en Evaluacin Financiera de Proyectos
Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez

38 $23,218.64 $417.16 $1,927.92 $2,345.08 21,290.72

39 $21,290.72 $382.52 $1,962.55 $2,345.08 19,328.17
40 $19,328.17 $347.26 $1,997.81 $2,345.08 17,330.36
41 $17,330.36 $311.37 $2,033.71 $2,345.08 15,296.65
42 $15,296.65 $274.83 $2,070.25 $2,345.08 13,226.40
43 $13,226.40 $237.63 $2,107.44 $2,345.08 11,118.96
44 $11,118.96 $199.77 $2,145.31 $2,345.08 8,973.65
45 $8,973.65 $161.23 $2,183.85 $2,345.08 6,789.80
46 $6,789.80 $121.99 $2,223.09 $2,345.08 4,566.72
47 $4,566.72 $82.05 $2,263.03 $2,345.08 2,303.69
48 $2,303.69 $41.39 $2,303.69 $2,345.08 -

tasa de inters mensual monto $ 1,000.00

numero de periodos
3.00%
12

Un prstamo a 12 meses, al 3% efectivo mensual vencido pagadero a 12 meses con cuotas que se duplican cada
mes. Recuerde inicial inters amort cuota final
$1,000.00
periodos $1,000.00 $30.00 ($19.46) $10.54 $1,019.46 gradiente
0 $1,019.46 $30.58 ($20.04) $10.54 $1,039.50
1 $1,039.50 $31.19 ($10.10) $21.08 $1,049.61 0.00
2 $1,049.61 $31.49 ($10.41) $21.08 $1,060.01 0.00
3 $1,060.01 $31.80 $10.36 $42.16 $1,049.65 1.00
4 $1,049.65 $31.49 $10.67 $42.16 $1,038.98 0.00
5 $1,038.98 $31.17 $53.16 $84.33 $985.82 1.00
6 $985.82 $29.57 $54.75 $84.33 $931.07 0.00
7 $931.07 $27.93 $140.72 $168.65 $790.35 1.00
8 $790.35 $23.71 $144.94 $168.65 $645.41 0.00
9 $645.41 $19.36 $317.94 $337.30 $327.48 1.00
10 $327.48 $9.82 $327.48 $337.30 $0.00 0.00
11 1.00
12 0.00

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 Diplomado en Evaluacin Financiera de Proyectos
Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez

RESUMEN DE INSTRUCCIONES:

Cuota = f(x) -> PAGO - > Introduzca: Inters, periodos, monto.

Pago de inters = monto * % inters.

Amortizacin: PAGO - Pago inters

PAGO *( 1+ PAGO)
Gradiente = % porcentaje en que varan las cuotas, recuerde que debe ir atado por una multiplicacin a la cuota.

No olvide que el saldo final de un periodo es el monto inicial del siguiente

BUSCAR OBJETIVO.
Definir celda: saldo final
Con valor: 0 (cero) COMO VALOR
Para Cambiar la celda: Cuota 1

Nota: Puede consultar en la pgina del diplomado, en la opcin Ejemplos y Ejercicios, el archivo Tabla de Amortizacin

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 Diplomado en Evaluacin Financiera de Proyectos
Mdulo I - Nivelacin en Matemtica Financiera
Conferencista: Luis Fernando Gmez

esos, con cuota fija a

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