AMORTIZACION EN SISTEMA FRANCES

EJEMPLO :
PANCHITO OBTIENE UN PRESTAMO DE 8000 SOLES A UNA TASA DE 2.4% EFECTIVA MENSUAL
EN 40 CUOTAS.

A) CALCULAR EL VALOR DE LA CUOTA

REALIZAR EL CUADRO DE AMORTIZACION DE LOS TRES SISTEMAS .
pago en cada mes es diferida prque Practica el miercoles/ exam
P= 8000 cambiar la tasa en 10 cuota
i= 2.40% (con macros ). Control si.
n= 40 R=8000
R 313.346193581

Metodo FRANCES
n Saldo Amortizacion INTERES CUOTA Fecha de vencimiento
0 S/. 8,000.00 S/. 0.00 5/15/2018
1 S/. 7,878.65 S/. 121.35 S/. 192.00 S/. 313.35 6/14/2018
2 S/. 7,754.40 S/. 124.26 S/. 189.09 S/. 313.35 7/14/2018
3 S/. 7,627.16 S/. 127.24 S/. 186.11 S/. 313.35 8/13/2018
4 S/. 7,496.87 S/. 130.30 S/. 183.05 S/. 313.35 9/12/2018
5 S/. 7,363.44 S/. 133.43 S/. 179.92 S/. 313.35 10/12/2018
6 S/. 7,226.81 S/. 136.63 S/. 176.72 S/. 313.35 11/11/2018
7 S/. 7,086.91 S/. 139.91 S/. 173.44 S/. 313.35 12/11/2018
8 S/. 6,943.65 S/. 143.26 S/. 170.09 S/. 313.35 1/10/2019
9 S/. 6,796.95 S/. 146.70 S/. 166.65 S/. 313.35 2/9/2019
10 S/. 6,646.74 S/. 150.22 S/. 163.13 S/. 313.35 3/11/2019
11 S/. 6,492.91 S/. 153.83 S/. 159.52 S/. 313.35 4/10/2019
12 S/. 6,335.40 S/. 157.52 S/. 155.83 S/. 313.35 5/10/2019
13 S/. 6,174.10 S/. 161.30 S/. 152.05 S/. 313.35 6/9/2019
14 S/. 6,008.93 S/. 165.17 S/. 148.18 S/. 313.35 7/9/2019
15 S/. 5,839.80 S/. 169.14 S/. 144.21 S/. 313.35 8/8/2019
16 S/. 5,666.61 S/. 173.19 S/. 140.16 S/. 313.35 9/7/2019
17 S/. 5,489.26 S/. 177.35 S/. 136.00 S/. 313.35 10/7/2019
18 S/. 5,307.66 S/. 181.61 S/. 131.74 S/. 313.35 11/6/2019
19 S/. 5,121.69 S/. 185.97 S/. 127.38 S/. 313.35 12/6/2019
20 S/. 4,931.27 S/. 190.43 S/. 122.92 S/. 313.35 1/5/2020
21 S/. 4,736.27 S/. 195.00 S/. 118.35 S/. 313.35 2/4/2020
22 S/. 4,536.59 S/. 199.68 S/. 113.67 S/. 313.35 3/5/2020
23 S/. 4,332.13 S/. 204.47 S/. 108.88 S/. 313.35 4/4/2020
24 S/. 4,122.75 S/. 209.38 S/. 103.97 S/. 313.35 5/4/2020
25 S/. 3,908.36 S/. 214.40 S/. 98.95 S/. 313.35 6/3/2020
26 S/. 3,688.81 S/. 219.55 S/. 93.80 S/. 313.35 7/3/2020
27 S/. 3,463.99 S/. 224.82 S/. 88.53 S/. 313.35 8/2/2020
28 S/. 3,233.79 S/. 230.21 S/. 83.14 S/. 313.35 9/1/2020
29 S/. 2,998.05 S/. 235.74 S/. 77.61 S/. 313.35 10/1/2020
30 S/. 2,756.65 S/. 241.40 S/. 71.95 S/. 313.35 10/31/2020
31 S/. 2,509.47 S/. 247.19 S/. 66.16 S/. 313.35 11/30/2020
32 S/. 2,256.35 S/. 253.12 S/. 60.23 S/. 313.35 12/30/2020
33 S/. 1,997.16 S/. 259.20 S/. 54.15 S/. 313.35 1/29/2021
34 S/. 1,731.74 S/. 265.42 S/. 47.93 S/. 313.35 2/28/2021
35 S/. 1,459.95 S/. 271.79 S/. 41.56 S/. 313.35 3/30/2021
36 S/. 1,181.65 S/. 278.31 S/. 35.04 S/. 313.35 4/29/2021
37 S/. 896.66 S/. 284.99 S/. 28.36 S/. 313.35 5/29/2021
38 S/. 604.83 S/. 291.83 S/. 21.52 S/. 313.35 6/28/2021
39 S/. 306.01 S/. 298.83 S/. 14.52 S/. 313.35 7/28/2021
40 S/. 0.00 S/. 306.01 S/. 7.34 S/. 313.35 8/27/2021
 ractica el miercoles/ examne jueves de teoria
ambiar la tasa en 10 cuotas , 10 filas con los totales e impimeri cuanado cambia la cuota, osea q salga al toq el cuadro en excel buscar c
con macros ). Control si. con funciones condicionales

Metodo Aleman
n Saldo AmortizacionINTERES CUOTA Fecha de vencimiento
0 S/. 8,000.00 S/. 200.00 200 5/15/2018
1 S/. 7,800.00 S/. 200.00 S/. 192.00 S/. 392.00 6/14/2018
2 S/. 7,600.00 S/. 200.00 S/. 187.20 S/. 387.20 7/14/2018
3 S/. 7,400.00 S/. 200.00 S/. 182.40 S/. 382.40 8/13/2018
4 S/. 7,200.00 S/. 200.00 S/. 177.60 S/. 377.60 9/12/2018
5 S/. 7,000.00 S/. 200.00 S/. 172.80 S/. 372.80 10/12/2018
6 S/. 6,800.00 S/. 200.00 S/. 168.00 S/. 368.00 11/11/2018
7 S/. 6,600.00 S/. 200.00 S/. 163.20 S/. 363.20 12/11/2018
8 S/. 6,400.00 S/. 200.00 S/. 158.40 S/. 358.40 1/10/2019
9 S/. 6,200.00 S/. 200.00 S/. 153.60 S/. 353.60 2/9/2019
10 S/. 6,000.00 S/. 200.00 S/. 148.80 S/. 348.80 3/11/2019
11 S/. 5,800.00 S/. 200.00 S/. 144.00 S/. 344.00 4/10/2019
12 S/. 5,600.00 S/. 200.00 S/. 139.20 S/. 339.20 5/10/2019
13 S/. 5,400.00 S/. 200.00 S/. 134.40 S/. 334.40 6/9/2019
14 S/. 5,200.00 S/. 200.00 S/. 129.60 S/. 329.60 7/9/2019
15 S/. 5,000.00 S/. 200.00 S/. 124.80 S/. 324.80 8/8/2019
16 S/. 4,800.00 S/. 200.00 S/. 120.00 S/. 320.00 9/7/2019
17 S/. 4,600.00 S/. 200.00 S/. 115.20 S/. 315.20 10/7/2019
18 S/. 4,400.00 S/. 200.00 S/. 110.40 S/. 310.40 11/6/2019
19 S/. 4,200.00 S/. 200.00 S/. 105.60 S/. 305.60 12/6/2019
20 S/. 4,000.00 S/. 200.00 S/. 100.80 S/. 300.80 1/5/2020
21 S/. 3,800.00 S/. 200.00 S/. 96.00 S/. 296.00 2/4/2020
22 S/. 3,600.00 S/. 200.00 S/. 91.20 S/. 291.20 3/5/2020
23 S/. 3,400.00 S/. 200.00 S/. 86.40 S/. 286.40 4/4/2020
24 S/. 3,200.00 S/. 200.00 S/. 81.60 S/. 281.60 5/4/2020
25 S/. 3,000.00 S/. 200.00 S/. 76.80 S/. 276.80 6/3/2020
26 S/. 2,800.00 S/. 200.00 S/. 72.00 S/. 272.00 7/3/2020
27 S/. 2,600.00 S/. 200.00 S/. 67.20 S/. 267.20 8/2/2020
28 S/. 2,400.00 S/. 200.00 S/. 62.40 S/. 262.40 9/1/2020
29 S/. 2,200.00 S/. 200.00 S/. 57.60 S/. 257.60 10/1/2020
30 S/. 2,000.00 S/. 200.00 S/. 52.80 S/. 252.80 10/31/2020
31 S/. 1,800.00 S/. 200.00 S/. 48.00 S/. 248.00 11/30/2020
32 S/. 1,600.00 S/. 200.00 S/. 43.20 S/. 243.20 12/30/2020
33 S/. 1,400.00 S/. 200.00 S/. 38.40 S/. 238.40 1/29/2021
34 S/. 1,200.00 S/. 200.00 S/. 33.60 S/. 233.60 2/28/2021
35 S/. 1,000.00 S/. 200.00 S/. 28.80 S/. 228.80 3/30/2021
36 S/. 800.00 S/. 200.00 S/. 24.00 S/. 224.00 4/29/2021
37 S/. 600.00 S/. 200.00 S/. 19.20 S/. 219.20 5/29/2021
38 S/. 400.00 S/. 200.00 S/. 14.40 S/. 214.40 6/28/2021
39 S/. 200.00 S/. 200.00 S/. 9.60 S/. 209.60 7/28/2021
40 S/. 0.00 S/. 4.80 S/. 4.80 8/27/2021
oq el cuadro en excel buscar como

Metodo Americano
n Saldo Amortizacion INTERES CUOTA Fecha de vencimiento

1 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 1/29/1900

2 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 2/28/1900
3 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 3/30/1900
4 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 4/29/1900
5 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 5/29/1900
6 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 6/28/1900
7 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 7/28/1900
8 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 8/27/1900
9 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 9/26/1900
10 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 10/26/1900
11 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 11/25/1900
12 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 12/25/1900
13 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 1/24/1901
14 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 2/23/1901
15 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 3/25/1901
16 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 4/24/1901
17 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 5/24/1901
18 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 6/23/1901
19 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 7/23/1901
20 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 8/22/1901
21 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 9/21/1901
22 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 10/21/1901
23 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 11/20/1901
24 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 12/20/1901
25 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 1/19/1902
26 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 2/18/1902
27 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 3/20/1902
28 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 4/19/1902
29 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 5/19/1902
30 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 6/18/1902
31 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 7/18/1902
32 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 8/17/1902
33 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 9/16/1902
34 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 10/16/1902
35 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 11/15/1902
36 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 12/15/1902
37 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 1/14/1903
38 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 2/13/1903
39 S/. 8,000.00 S/. 0.00 S/. 192.00 S/. 192.00 3/15/1903
40 S/. 8,000.00 S/. 8,000.00 S/. 192.00 S/. 8,192.00 4/14/1903
total S/. 8,000.00 S/. 7,680.00 S/. 15,680.00