CRONOGRAMA DE PAGOS

I. CUOTAS IGUALES (MÉTODO FRANCES)

Modalidad Vencida

ejem.: se toma en prestamo de S/ 50,000.00 a 2 años de tasa efectiva anual de 15%. Determine la
cuota mensual a pagar y eleborar el cronograma de pagos respectivos considerando que la fecha
del desembolso del prestamo es el 02/01/2015

prestamo S/. 50,000.00 calc. de cuota (1+i)^(a/b)-1

n 24
TEA 15%
TEM 1.17%
Mod. Vencida -
Couta S/.2,402.01 mensual

Fecha de Numero de Saldo inicial Amortización

couta Interés
Vencimiento Cuota de capital de capital

1/2/2015 0
2/1/2015 1 S/. 50,000.00 S/.2,402.01 S/. 585.75 S/.1,816.27
3/3/2015 2 S/. 48,183.73 S/.2,402.01 S/. 564.47 S/.1,837.54
4/2/2015 3 S/. 46,346.19 S/.2,402.01 S/. 542.94 S/.1,859.07
5/2/2015 4 S/. 44,487.12 S/.2,402.01 S/. 521.16 S/.1,880.85
6/1/2015 5 S/. 42,606.27 S/.2,402.01 S/. 499.13 S/.1,902.88
7/1/2015 6 S/. 40,703.39 S/.2,402.01 S/. 476.84 S/.1,925.18
7/31/2015 7 S/. 38,778.21 S/.2,402.01 S/. 454.28 S/.1,947.73
8/30/2015 8 S/. 36,830.48 S/.2,402.01 S/. 431.47 S/.1,970.55
9/29/2015 9 S/. 34,859.94 S/.2,402.01 S/. 408.38 S/.1,993.63
10/29/2015 10 S/. 32,866.31 S/.2,402.01 S/. 385.03 S/.2,016.99
11/28/2015 11 S/. 30,849.32 S/.2,402.01 S/. 361.40 S/.2,040.61
12/28/2015 12 S/. 28,808.71 S/.2,402.01 S/. 337.49 S/.2,064.52
1/27/2016 13 S/. 26,744.19 S/.2,402.01 S/. 313.31 S/.2,088.71
2/26/2016 14 S/. 24,655.48 S/.2,402.01 S/. 288.84 S/.2,113.18
3/27/2016 15 S/. 22,542.30 S/.2,402.01 S/. 264.08 S/.2,137.93
4/26/2016 16 S/. 20,404.37 S/.2,402.01 S/. 239.04 S/.2,162.98
5/26/2016 17 S/. 18,241.40 S/.2,402.01 S/. 213.70 S/.2,188.32
6/25/2016 18 S/. 16,053.08 S/.2,402.01 S/. 188.06 S/.2,213.95
7/25/2016 19 S/. 13,839.13 S/.2,402.01 S/. 162.12 S/.2,239.89
8/24/2016 20 S/. 11,599.24 S/.2,402.01 S/. 135.88 S/.2,266.13
9/23/2016 21 S/. 9,333.11 S/.2,402.01 S/. 109.34 S/.2,292.68
10/23/2016 22 S/. 7,040.44 S/.2,402.01 S/. 82.48 S/.2,319.53
11/22/2016 23 S/. 4,720.91 S/.2,402.01 S/. 55.31 S/.2,346.71
 12/22/2016 24 S/. 2,374.20 S/.2,402.01 S/. 27.81 S/.2,374.20

TOTALES S/. 652,867.53 S/. 57,648.29 S/. 7,648.29 S/. 50,000.00

de 15%. Determine la

Saldo final
del capital

S/. 48,183.73
S/. 46,346.19
S/. 44,487.12
S/. 42,606.27
S/. 40,703.39
S/. 38,778.21
S/. 36,830.48
S/. 34,859.94
S/. 32,866.31
S/. 30,849.32
S/. 28,808.71
S/. 26,744.19
S/. 24,655.48
S/. 22,542.30
S/. 20,404.37
S/. 18,241.40
S/. 16,053.08
S/. 13,839.13
S/. 11,599.24
S/. 9,333.11
S/. 7,040.44
S/. 4,720.91
S/. 2,374.20
S/. -0.00

S/. 602,867.53
 CRONOGRAMA DE PAGOS

I. COUTAS DECRECIENTES O AMORTIZACION CONSTANTE DE CAPITAL (MÉTODO ALEMÁN)

Modalidad Vencida

ejem.: se toma en prestamo de S/ 50,000.00 a 2 años de tasa efectiva anual de 15%. Determine la
couta mensual a pagar y eleborar el cronograma de pagos respectivos considerendo que la fecha
del desembolso del prestamo es el 2/1/2015

P S/. 50,000.00
n 24
TEA 15%
TEM 1.17%
Mod. Vencida -
Couta S/.2,402.01

Fecha de Numero de Saldo inicial Amortización

couta Interés
Vencimiento Couta de capital de capital

1/2/2015 0
2/1/2015 1 S/. 50,000.00 S/. 2,669.08 S/. 585.75 S/. 2,083.33
3/3/2015 2 S/. 47,916.67 S/. 2,644.67 S/. 561.34 S/. 2,083.33
4/2/2015 3 S/. 45,833.33 S/. 2,620.27 S/. 536.93 S/. 2,083.33
5/2/2015 4 S/. 43,750.00 S/. 2,595.86 S/. 512.53 S/. 2,083.33
6/1/2015 5 S/. 41,666.67 S/. 2,571.45 S/. 488.12 S/. 2,083.33
7/1/2015 6 S/. 39,583.33 S/. 2,547.05 S/. 463.72 S/. 2,083.33
7/31/2015 7 S/. 37,500.00 S/. 2,522.64 S/. 439.31 S/. 2,083.33
8/30/2015 8 S/. 35,416.67 S/. 2,498.24 S/. 414.90 S/. 2,083.33
9/29/2015 9 S/. 33,333.33 S/. 2,473.83 S/. 390.50 S/. 2,083.33
10/29/2015 10 S/. 31,250.00 S/. 2,449.42 S/. 366.09 S/. 2,083.33
11/28/2015 11 S/. 29,166.67 S/. 2,425.02 S/. 341.69 S/. 2,083.33
12/28/2015 12 S/. 27,083.33 S/. 2,400.61 S/. 317.28 S/. 2,083.33
1/27/2016 13 S/. 25,000.00 S/. 2,376.21 S/. 292.87 S/. 2,083.33
2/26/2016 14 S/. 22,916.67 S/. 2,351.80 S/. 268.47 S/. 2,083.33
3/27/2016 15 S/. 20,833.33 S/. 2,327.39 S/. 244.06 S/. 2,083.33
4/26/2016 16 S/. 18,750.00 S/. 2,302.99 S/. 219.65 S/. 2,083.33
5/26/2016 17 S/. 16,666.67 S/. 2,278.58 S/. 195.25 S/. 2,083.33
6/25/2016 18 S/. 14,583.33 S/. 2,254.18 S/. 170.84 S/. 2,083.33
7/25/2016 19 S/. 12,500.00 S/. 2,229.77 S/. 146.44 S/. 2,083.33
8/24/2016 20 S/. 10,416.67 S/. 2,205.36 S/. 122.03 S/. 2,083.33
9/23/2016 21 S/. 8,333.33 S/. 2,180.96 S/. 97.62 S/. 2,083.33
10/23/2016 22 S/. 6,250.00 S/. 2,156.55 S/. 73.22 S/. 2,083.33
11/22/2016 23 S/. 4,166.67 S/. 2,132.15 S/. 48.81 S/. 2,083.33
 12/22/2016 24 S/. 2,083.33 S/. 2,107.74 S/. 24.41 S/. 2,083.33

TOTALES S/. 625,000.00 S/. 57,321.82 S/. 7,321.82 S/. 50,000.00

15%. Determine la

Saldo final
del capital

S/. 47,916.67
S/. 45,833.33
S/. 43,750.00
S/. 41,666.67
S/. 39,583.33
S/. 37,500.00
S/. 35,416.67
S/. 33,333.33
S/. 31,250.00
S/. 29,166.67
S/. 27,083.33
S/. 25,000.00
S/. 22,916.67
S/. 20,833.33
S/. 18,750.00
S/. 16,666.67
S/. 14,583.33
S/. 12,500.00
S/. 10,416.67
S/. 8,333.33
S/. 6,250.00
S/. 4,166.67
S/. 2,083.33
S/. -0.00

S/. 575,000.00