se tiene una obligacion que en un momento se habia pactado cancelar con 18 cuotas iguales de $15000 cada una por

mes anti

Nper 18
A 15000 Periodo Cuotas Interes
i 3% 0 $ 15,000.00 $ -
V.A $206,302.70 1 $ 15,000.00 $ 6,189.08
2 $ 15,000.00 $ 5,924.75
3 $ 15,000.00 $ 5,652.50
4 $ 15,000.00 $ 5,372.07

Anticipada 5 $ 15,000.00
6 $ 15,000.00
$ 5,083.23
$ 4,785.73
7 $ 15,000.00 $ 4,479.30
8 $ 15,000.00 $ 4,163.68
9 $ 15,000.00 $ 3,838.59
10 $ 15,000.00 $ 3,503.75
11 $ 15,000.00 $ 3,158.86
12 $ 15,000.00 $ 2,803.63
13 $ 15,000.00 $ 2,437.74
14 $ 15,000.00 $ 2,060.87
15 $ 15,000.00 $ 1,672.69
16 $ 15,000.00 $ 1,272.88
17 $ 15,000.00 $ 861.06
18 $ 15,000.00 $ 436.89
e $15000 cada una por mes anticipado se decide, a ultimo hora, cancelarla de contado. Si la tasa de interes acordar es del 3% mensual, hall

Abono a k Saldo
$ - $206,302.70
$ 8,810.92 $ 197,491.78
$ 9,075.25
$ 9,347.50
$ 188,416.53
$ 179,069.03 Vencida
$ 9,627.93 $ 169,441.10
$ 9,916.77 $ 159,524.33 Periodo Cuotas Interes Abono a k
$ 10,214.27 $ 149,310.06 0 $ - $ - $ -
$ 10,520.70 $ 138,789.36 1 $ 15,000.00 $ 6,189.08 $ 8,810.92
$ 10,836.32 $ 127,953.04 2 $ 15,000.00 $ 5,924.75 $ 9,075.25
$ 11,161.41 $ 116,791.63 3 $ 15,000.00 $ 5,652.50 $ 9,347.50
$ 11,496.25 $ 105,295.38 4 $ 15,000.00 $ 5,372.07 $ 9,627.93
$ 11,841.14 $ 93,454.24 5 $ 15,000.00 $ 5,083.23 $ 9,916.77
$ 12,196.37 $ 81,257.87 6 $ 15,000.00 $ 4,785.73 $ 10,214.27
$ 12,562.26 $ 68,695.61 7 $ 15,000.00 $ 4,479.30 $ 10,520.70
$ 12,939.13 $ 55,756.48 8 $ 15,000.00 $ 4,163.68 $ 10,836.32
$ 13,327.31 $ 42,429.17 9 $ 15,000.00 $ 3,838.59 $ 11,161.41
$ 13,727.12 $ 28,702.05 10 $ 15,000.00 $ 3,503.75 $ 11,496.25
$ 14,138.94 $ 14,563.11 11 $ 15,000.00 $ 3,158.86 $ 11,841.14
$ 14,563.11 -$ 0.00 12 $ 15,000.00 $ 2,803.63 $ 12,196.37
13 $ 15,000.00 $ 2,437.74 $ 12,562.26
14 $ 15,000.00 $ 2,060.87 $ 12,939.13
15 $ 15,000.00 $ 1,672.69 $ 13,327.31
16 $ 15,000.00 $ 1,272.88 $ 13,727.12
17 $ 15,000.00 $ 861.06 $ 14,138.94
18 $ 15,000.00 $ 436.89 $ 14,563.11
dar es del 3% mensual, hallar este valor

Saldo
$ 206,302.70
$ 197,491.78
$ 188,416.53
$ 179,069.03
$ 169,441.10
$ 159,524.33
$ 149,310.06
$ 138,789.36
$ 127,953.04
$ 116,791.63
$ 105,295.38
$ 93,454.24
$ 81,257.87
$ 68,695.61
$ 55,756.48
$ 42,429.17
$ 28,702.05
$ 14,563.11
-$ 0.00
Calcular el valor del prestamo del ejemplo anterior, suponiendo que las cuotas son anticipadas

Nper 18 Periodo Cuota Interes

i 3% 0 0 0

A 15000 1 15000 $6,374.75

V.A $212,491.78 2 15000 $6,116.00
3 15000 $5,849.48
4 15000 $5,574.96
5 15000 $5,292.21

Vencida 6
7
15000
15000
$5,000.98
$4,701.00
8 15000 $4,392.03
9 15000 $4,073.80
10 15000 $3,746.01
11 15000 $3,408.39
12 15000 $3,060.64
13 15000 $2,702.46
14 15000 $2,333.53
15 15000 $1,953.54
16 15000 $1,562.15
17 15000 $1,159.01
18 15000 $743.78
19 15000 $316.09
Abono a k Saldo
0 $212,491.78

$8,625.25 $203,866.53 Anticipada

$8,884.00 $194,982.53
$9,150.52 $185,832.00
$9,425.04 $176,406.96 Periodo Cuota Interes Abono a k Saldo
$9,707.79 $166,699.17 0 15000 $0.00 $0.00 $197,491.78
$9,999.02 $156,700.15 1 15000 $5,924.75 $9,075.25 $188,416.53
$10,299.00 $146,401.15 2 15000 $5,652.50 $9,347.50 $179,069.03
$10,607.97 $135,793.19 3 15000 $5,372.07 $9,627.93 $169,441.10
$10,926.20 $124,866.98 4 15000 $5,083.23 $9,916.77 $159,524.33
$11,253.99 $113,612.99 5 15000 $4,785.73 $10,214.27 $149,310.06
$11,591.61 $102,021.38 6 15000 $4,479.30 $10,520.70 $138,789.36
$11,939.36 $90,082.02 7 15000 $4,163.68 $10,836.32 $127,953.04
$12,297.54 $77,784.48 8 15000 $3,838.59 $11,161.41 $116,791.63
$12,666.47 $65,118.02 9 15000 $3,503.75 $11,496.25 $105,295.38
$13,046.46 $52,071.56 10 15000 $3,158.86 $11,841.14 $93,454.24
$13,437.85 $38,633.70 11 15000 $2,803.63 $12,196.37 $81,257.87
$13,840.99 $24,792.71 12 15000 $2,437.74 $12,562.26 $68,695.61
$14,256.22 $10,536.50 13 15000 $2,060.87 $12,939.13 $55,756.48
$14,683.91 -$4,147.41 14 15000 $1,672.69 $13,327.31 $42,429.17
15 15000 $1,272.88 $13,727.12 $28,702.05
16 15000 $861.06 $14,138.94 $14,563.11
17 15000 $436.89 $14,563.11 -$0.00
18 15000 -$0.00 $15,000.00 -$15,000.00