1.

Se hace la solicitud de un crédito hipotecario a la entidad financiera “Tu ahorro”, por un valor
de $144.550.700, a una tasa del 3% Trimestral, por un tiempo de 15 años. Determine:
a. Cuota mensual.
b. El pago a Capital.
c. El pago de Intereses.
d. Saldo por periodo.
(Tabla de Amortización)

144,550,700 3.00%
NO CUOTA INTERES ABONO SALDO
144,550,700
1 5,223,044 4336521 886,523 143,664,177
2 5,223,044 4309925.3 913,119 142,751,057
3 5,223,044 4282531.72 940,513 141,810,545
4 5,223,044 4254316.34 968,728 140,841,816
5 5,223,044 4225254.49 997,790 139,844,026
6 5,223,044 4195320.79 1,027,724 138,816,303
7 5,223,044 4164489.08 1,058,555 137,757,747
8 5,223,044 4132732.42 1,090,312 136,667,435
9 5,223,044 4100023.06 1,123,021 135,544,414
10 5,223,044 4066332.42 1,156,712 134,387,702
11 5,223,044 4031631.06 1,191,413 133,196,288
12 5,223,044 3995888.65 1,227,156 131,969,133
13 5,223,044 3959073.98 1,263,971 130,705,162
14 5,223,044 3921154.86 1,301,890 129,403,272
15 5,223,044 3882098.17 1,340,946 128,062,326
16 5,223,044 3841869.78 1,381,175 126,681,151
17 5,223,044 3800434.54 1,422,610 125,258,542
18 5,223,044 3757756.25 1,465,288 123,793,253
19 5,223,044 3713797.6 1,509,247 122,284,006
20 5,223,044 3668520.19 1,554,524 120,729,482
21 5,223,044 3621884.46 1,601,160 119,128,322
22 5,223,044 3573849.66 1,649,195 117,479,127
23 5,223,044 3524373.82 1,698,671 115,780,457
24 5,223,044 3473413.7 1,749,631 114,030,826
25 5,223,044 3420924.78 1,802,120 112,228,706
26 5,223,044 3366861.18 1,856,183 110,372,523
27 5,223,044 3311175.69 1,911,869 108,460,654
28 5,223,044 3253819.62 1,969,225 106,491,429
29 5,223,044 3194742.88 2,028,302 104,463,128
30 5,223,044 3133893.83 2,089,151 102,373,977
31 5,223,044 3071219.31 2,151,825 100,222,152
32 5,223,044 3006664.55 2,216,380 98,005,772
33 5,223,044 2940173.16 2,282,871 95,722,901
34 5,223,044 2871687.02 2,351,357 93,371,543
35 5,223,044 2801146.29 2,421,898 90,949,645
36 5,223,044 2728489.35 2,494,555 88,455,090
37 5,223,044 2653652.69 2,569,392 85,885,698
38 5,223,044 2576570.94 2,646,474 83,239,224
39 5,223,044 2497176.73 2,725,868 80,513,357
40 5,223,044 2415400.7 2,807,644 77,705,713
41 5,223,044 2331171.39 2,891,873 74,813,840
42 5,223,044 2244415.2 2,978,629 71,835,211
43 5,223,044 2155056.32 3,067,988 68,767,222
44 5,223,044 2063016.67 3,160,028 65,607,195
45 5,223,044 1968215.84 3,254,829 62,352,366
46 5,223,044 1870570.98 3,352,474 58,999,892
47 5,223,044 1769996.77 3,453,048 55,546,845
48 5,223,044 1666405.34 3,556,639 51,990,206
49 5,223,044 1559706.17 3,663,338 48,326,867
50 5,223,044 1449806.02 3,773,238 44,553,629
51 5,223,044 1336608.86 3,886,436 40,667,193
52 5,223,044 1220015.8 4,003,029 36,664,165
53 5,223,044 1099924.94 4,123,120 32,541,045
54 5,223,044 976231.35 4,246,813 28,294,232
55 5,223,044 848826.956 4,374,218 23,920,014
56 5,223,044 717600.43 4,505,444 19,414,570
57 5,223,044 582437.109 4,640,607 14,773,963
58 5,223,044 443218.888 4,779,826 9,994,137
59 5,223,044 299824.12 4,923,220 5,070,917
60 5,223,044 152127.509 5,070,917 -
Anual Trimestral
180 60
Cuota mensual
$ 5,223,044.48
2. A partir del ejercicio 1, identifique el valor de la cuota si la tasa de interés es de 0,79% mensual por un tiempo
de 18 años. ¿Cuál opción es mejor en comparación a la propuesta del punto 1?

Anual Trimestral
216 72
Cuota mensual
$ 1,397,290.31

144,550,700 0.79%
NO CUOTA INTERES ABONO SALDO
144,550,700
1 1,397,290 1141950.53 255,340 144,295,360
2 1,397,290 1139933.35 257,357 144,038,003
3 1,397,290 1137900.23 259,390 143,778,613
4 1,397,290 1135851.04 261,439 143,517,174
5 1,397,290 1133785.67 263,505 143,253,669
6 1,397,290 1131703.99 265,586 142,988,083
7 1,397,290 1129605.86 267,684 142,720,398
8 1,397,290 1127491.15 269,799 142,450,599
9 1,397,290 1125359.73 271,931 142,178,669
10 1,397,290 1123211.48 274,079 141,904,590
11 1,397,290 1121046.26 276,244 141,628,346
12 1,397,290 1118863.93 278,426 141,349,919
13 1,397,290 1116664.36 280,626 141,069,294
14 1,397,290 1114447.42 282,843 140,786,451
15 1,397,290 1112212.96 285,077 140,501,373
16 1,397,290 1109960.85 287,329 140,214,044
17 1,397,290 1107690.95 289,599 139,924,444
18 1,397,290 1105403.11 291,887 139,632,557
19 1,397,290 1103097.2 294,193 139,338,364
20 1,397,290 1100773.08 296,517 139,041,847
21 1,397,290 1098430.59 298,860 138,742,987
22 1,397,290 1096069.6 301,221 138,441,766
23 1,397,290 1093689.96 303,600 138,138,166
24 1,397,290 1091291.51 305,999 137,832,167
25 1,397,290 1088874.12 308,416 137,523,751
26 1,397,290 1086437.63 310,853 137,212,898
27 1,397,290 1083981.9 313,308 136,899,590
28 1,397,290 1081506.76 315,784 136,583,806
29 1,397,290 1079012.07 318,278 136,265,528
30 1,397,290 1076497.67 320,793 135,944,736
31 1,397,290 1073963.41 323,327 135,621,409
32 1,397,290 1071409.13 325,881 135,295,527
33 1,397,290 1068834.67 328,456 134,967,072
34 1,397,290 1066239.87 331,050 134,636,021
35 1,397,290 1063624.57 333,666 134,302,356
36 1,397,290 1060988.61 336,302 133,966,054
37 1,397,290 1058331.83 338,958 133,627,095
38 1,397,290 1055654.05 341,636 133,285,459
39 1,397,290 1052955.13 344,335 132,941,124
40 1,397,290 1050234.88 347,055 132,594,069
41 1,397,290 1047493.14 349,797 132,244,271
42 1,397,290 1044729.74 352,561 131,891,711
43 1,397,290 1041944.52 355,346 131,536,365
44 1,397,290 1039137.28 358,153 131,178,212
45 1,397,290 1036307.88 360,982 130,817,230
46 1,397,290 1033456.11 363,834 130,453,395
47 1,397,290 1030581.82 366,708 130,086,687
48 1,397,290 1027684.83 369,605 129,717,081
49 1,397,290 1024764.94 372,525 129,344,556
50 1,397,290 1021821.99 375,468 128,969,088
51 1,397,290 1018855.79 378,435 128,590,653
52 1,397,290 1015866.16 381,424 128,209,229
53 1,397,290 1012852.91 384,437 127,824,792
54 1,397,290 1009815.85 387,474 127,437,317
55 1,397,290 1006754.81 390,536 127,046,782
56 1,397,290 1003669.58 393,621 126,653,161
57 1,397,290 1000559.97 396,730 126,256,431
58 1,397,290 997425.802 399,865 125,856,566
59 1,397,290 994266.872 403,023 125,453,543
60 1,397,290 991082.987 406,207 125,047,335
61 1,397,290 987873.949 409,416 124,637,919
62 1,397,290 984639.56 412,651 124,225,268
63 1,397,290 981379.619 415,911 123,809,358
64 1,397,290 978093.924 419,196 123,390,161
65 1,397,290 974782.273 422,508 122,967,653
66 1,397,290 971444.459 425,846 122,541,807
67 1,397,290 968080.277 429,210 122,112,597
68 1,397,290 964689.518 432,601 121,679,996
69 1,397,290 961271.972 436,018 121,243,978
70 1,397,290 957827.427 439,463 120,804,515
71 1,397,290 954355.67 442,935 120,361,581
72 1,397,290 950856.486 446,434 119,915,147
73 1,397,290 947329.659 449,961 119,465,186
74 1,397,290 943774.97 453,515 119,011,671
75 1,397,290 940192.199 457,098 118,554,573
76 1,397,290 936581.124 460,709 118,093,863
77 1,397,290 932941.521 464,349 117,629,515
78 1,397,290 929273.166 468,017 117,161,497
 79 1,397,290 925575.83 471,714 116,689,783
80 1,397,290 921849.286 475,441 116,214,342
81 1,397,290 918093.302 479,197 115,735,145
82 1,397,290 914307.645 482,983 115,252,162
83 1,397,290 910492.082 486,798 114,765,364
84 1,397,290 906646.376 490,644 114,274,720
85 1,397,290 902770.289 494,520 113,780,200
86 1,397,290 898863.581 498,427 113,281,773
87 1,397,290 894926.01 502,364 112,779,409
88 1,397,290 890957.332 506,333 112,273,076
89 1,397,290 886957.301 510,333 111,762,743
90 1,397,290 882925.67 514,365 111,248,378
91 1,397,290 878862.19 518,428 110,729,950
92 1,397,290 874766.607 522,524 110,207,427
93 1,397,290 870638.67 526,652 109,680,775
94 1,397,290 866478.122 530,812 109,149,963
95 1,397,290 862284.706 535,006 108,614,957
96 1,397,290 858058.162 539,232 108,075,725
97 1,397,290 853798.228 543,492 107,532,233
98 1,397,290 849504.64 547,786 106,984,447
99 1,397,290 845177.133 552,113 106,432,334
100 1,397,290 840815.439 556,475 105,875,859
101 1,397,290 836419.288 560,871 105,314,988
102 1,397,290 831988.407 565,302 104,749,686
103 1,397,290 827522.521 569,768 104,179,918
104 1,397,290 823021.356 574,269 103,605,650
105 1,397,290 818484.631 578,806 103,026,844
106 1,397,290 813912.066 583,378 102,443,466
107 1,397,290 809303.378 587,987 101,855,479
108 1,397,290 804658.281 592,632 101,262,847
109 1,397,290 799976.488 597,314 100,665,533
110 1,397,290 795257.709 602,033 100,063,500
111 1,397,290 790501.652 606,789 99,456,712
112 1,397,290 785708.021 611,582 98,845,129
113 1,397,290 780876.521 616,414 98,228,715
114 1,397,290 776006.852 621,283 97,607,432
115 1,397,290 771098.713 626,192 96,981,240
116 1,397,290 766151.799 631,139 96,350,102
117 1,397,290 761165.805 636,125 95,713,977
118 1,397,290 756140.421 641,150 95,072,827
119 1,397,290 751075.337 646,215 94,426,612
120 1,397,290 745970.239 651,320 93,775,292
121 1,397,290 740824.81 656,466 93,118,827
122 1,397,290 735638.733 661,652 92,457,175
123 1,397,290 730411.685 666,879 91,790,297
124 1,397,290 725143.344 672,147 91,118,150
125 1,397,290 719833.383 677,457 90,440,693
126 1,397,290 714481.473 682,809 89,757,884
127 1,397,290 709087.283 688,203 89,069,681
128 1,397,290 703650.479 693,640 88,376,041
129 1,397,290 698170.725 699,120 87,676,922
130 1,397,290 692647.68 704,643 86,972,279
131 1,397,290 687081.003 710,209 86,262,070
132 1,397,290 681470.35 715,820 85,546,250
133 1,397,290 675815.372 721,475 84,824,775
134 1,397,290 670115.72 727,175 84,097,600
135 1,397,290 664371.041 732,919 83,364,681
136 1,397,290 658580.978 738,709 82,625,971
137 1,397,290 652745.175 744,545 81,881,426
138 1,397,290 646863.268 750,427 81,130,999
139 1,397,290 640934.894 756,355 80,374,644
140 1,397,290 634959.687 762,331 79,612,313
141 1,397,290 628937.275 768,353 78,843,960
142 1,397,290 622867.286 774,423 78,069,537
143 1,397,290 616749.344 780,541 77,288,996
144 1,397,290 610583.07 786,707 76,502,289
145 1,397,290 604368.083 792,922 75,709,367
146 1,397,290 598103.997 799,186 74,910,180
147 1,397,290 591790.425 805,500 74,104,681
148 1,397,290 585426.976 811,863 73,292,817
149 1,397,290 579013.256 818,277 72,474,540
150 1,397,290 572548.867 824,741 71,649,799
151 1,397,290 566033.41 831,257 70,818,542
152 1,397,290 559466.48 837,824 69,980,718
153 1,397,290 552847.672 844,443 69,136,275
154 1,397,290 546176.575 851,114 68,285,162
155 1,397,290 539452.777 857,838 67,427,324
156 1,397,290 532675.86 864,614 66,562,710
157 1,397,290 525845.406 871,445 65,691,265
158 1,397,290 518960.991 878,329 64,812,935
159 1,397,290 512022.189 885,268 63,927,667
160 1,397,290 505028.571 892,262 63,035,406
161 1,397,290 497979.704 899,311 62,136,095
162 1,397,290 490875.15 906,415 61,229,680
163 1,397,290 483714.47 913,576 60,316,104
164 1,397,290 476497.221 920,793 59,395,311
165 1,397,290 469222.955 928,067 58,467,243
166 1,397,290 461891.223 935,399 57,531,844
167 1,397,290 454501.57 942,789 56,589,056
168 1,397,290 447053.539 950,237 55,638,819
169 1,397,290 439546.669 957,744 54,681,075
170 1,397,290 431980.494 965,310 53,715,765
171 1,397,290 424354.546 972,936 52,742,830
172 1,397,290 416668.354 980,622 51,762,208
173 1,397,290 408921.44 988,369 50,773,839
174 1,397,290 401113.326 996,177 49,777,662
175 1,397,290 393243.528 1,004,047 48,773,615
176 1,397,290 385311.559 1,011,979 47,761,636
177 1,397,290 377316.926 1,019,973 46,741,663
178 1,397,290 369259.137 1,028,031 45,713,632
179 1,397,290 361137.69 1,036,153 44,677,479
180 1,397,290 352952.085 1,044,338 43,633,141
181 1,397,290 344701.813 1,052,589 42,580,552
182 1,397,290 336386.364 1,060,904 41,519,648
183 1,397,290 328005.222 1,069,285 40,450,363
184 1,397,290 319557.87 1,077,732 39,372,631
185 1,397,290 311043.784 1,086,247 38,286,384
186 1,397,290 302462.436 1,094,828 37,191,556
187 1,397,290 293813.296 1,103,477 36,088,079
188 1,397,290 285095.828 1,112,194 34,975,885
189 1,397,290 276309.491 1,120,981 33,854,904
190 1,397,290 267453.743 1,129,837 32,725,068
191 1,397,290 258528.034 1,138,762 31,586,305
192 1,397,290 249531.812 1,147,759 30,438,547
193 1,397,290 240464.52 1,156,826 29,281,721
194 1,397,290 231325.596 1,165,965 28,115,756
195 1,397,290 222114.475 1,175,176 26,940,580
196 1,397,290 212830.585 1,184,460 25,756,121
197 1,397,290 203473.354 1,193,817 24,562,304
198 1,397,290 194042.2 1,203,248 23,359,056
199 1,397,290 184536.54 1,212,754 22,146,302
200 1,397,290 174955.785 1,222,335 20,923,967
201 1,397,290 165299.342 1,231,991 19,691,976
202 1,397,290 155566.613 1,241,724 18,450,253
203 1,397,290 145756.996 1,251,533 17,198,719
204 1,397,290 135869.883 1,261,420 15,937,299
205 1,397,290 125904.661 1,271,386 14,665,913
206 1,397,290 115860.715 1,281,430 13,384,484
207 1,397,290 105737.421 1,291,553 12,092,931
208 1,397,290 95534.1531 1,301,756 10,791,175
209 1,397,290 85250.2795 1,312,040 9,479,135
210 1,397,290 74885.1632 1,322,405 8,156,729
211 1,397,290 64438.1625 1,332,852 6,823,877
212 1,397,290 53908.6306 1,343,382 5,480,496
213 1,397,290 43295.9153 1,353,994 4,126,501
214 1,397,290 32599.3595 1,364,691 2,761,810
215 1,397,290 21818.301 1,375,472 1,386,338
216 1,397,290 10952.0721 1,386,338 - 0
3. Si requiero pagar mi deuda en un plazo menor, a 10 años y quiero manejar la
misma cuota calculada del punto 1, que valor seria el préstamo?

Anual Trimestral
120 40
Cuota mensual
$ 5,223,044.48

44,553,629 3.00%
NO CUOTA INTERES ABONO SALDO
44,553,629
1 5,223,044 1336608.86 3,886,436 40,667,193
2 5,223,044 1220015.8 4,003,029 36,664,165
3 5,223,044 1099924.94 4,123,120 32,541,045
4 5,223,044 976231.35 4,246,813 28,294,232
5 5,223,044 848826.956 4,374,218 23,920,014
6 5,223,044 717600.43 4,505,444 19,414,570
7 5,223,044 582437.109 4,640,607 14,773,963
8 5,223,044 443218.888 4,779,826 9,994,137
9 5,223,044 299824.12 4,923,220 5,070,917
10 5,223,044 152127.509 5,070,917 - 0