Plan de amortización de un crédito

Plamorcred.xls
Plamorcred.xls Versión
Versión 1.0
1.0 por
por Barbara
Barbara Schütte
Schütte

La plantilla calcula la parte de intereses y de amortización de los plazos anuales de

un crédito.

Indique los datos del crédito en las filas 3 a 5 de la columna C (tipo de interés,
cuantía del crédito, duración en años)

A partir de esos datos Excel calcula los reintegros anuales así como la parte de
intereses y de amortización.

Además se averigua el resto de la deuda pendiente.

Intereses y amortización Proyecto: Nuevas instalaciones en planta

Interés: 9.72% Duración en meses: 96

Crédito: 12,000,000 Pts Fecha del primer plazo: 1/15/1997
Plazo mensual: -180,317 Pts
Año Fecha Parte de intereses Interés acumulado Amortización Resto de la deuda
12,000,000 Pts
1 ### -97,200 Pts -97,200 Pts -83,117 Pts 11,916,883 Pts
2 ### -96,527 Pts -193,727 Pts -83,790 Pts 11,833,093 Pts
3 ### -95,848 Pts -289,575 Pts -84,469 Pts 11,748,624 Pts
4 ### -95,164 Pts -384,739 Pts -85,153 Pts 11,663,471 Pts
5 ### -94,474 Pts -479,213 Pts -85,843 Pts 11,577,628 Pts
6 ### -93,779 Pts -572,992 Pts -86,538 Pts 11,491,090 Pts
7 ### -93,078 Pts -666,069 Pts -87,239 Pts 11,403,851 Pts
8 ### -92,371 Pts -758,441 Pts -87,946 Pts 11,315,905 Pts
9 ### -91,659 Pts -850,099 Pts -88,658 Pts 11,227,247 Pts
10 ### -90,941 Pts -941,040 Pts -89,376 Pts 11,137,871 Pts
11 ### -90,217 Pts -1,031,257 Pts -90,100 Pts 11,047,771 Pts
12 ### -89,487 Pts -1,120,744 Pts -90,830 Pts 10,956,941 Pts
13 ### -88,751 Pts -1,209,495 Pts -91,566 Pts 10,865,375 Pts
14 ### -88,010 Pts -1,297,505 Pts -92,307 Pts 10,773,068 Pts
15 ### -87,262 Pts -1,384,766 Pts -93,055 Pts 10,680,012 Pts
16 ### -86,508 Pts -1,471,275 Pts -93,809 Pts 10,586,204 Pts
17 ### -85,748 Pts -1,557,023 Pts -94,569 Pts 10,491,635 Pts
18 ### -84,982 Pts -1,642,005 Pts -95,335 Pts 10,396,300 Pts
19 ### -84,210 Pts -1,726,215 Pts -96,107 Pts 10,300,193 Pts
20 ### -83,432 Pts -1,809,647 Pts -96,885 Pts 10,203,308 Pts
21 ### -82,647 Pts -1,892,293 Pts -97,670 Pts 10,105,638 Pts
22 ### -81,856 Pts -1,974,149 Pts -98,461 Pts 10,007,177 Pts
23 ### -81,058 Pts -2,055,207 Pts -99,259 Pts 9,907,918 Pts
24 ### -80,254 Pts -2,135,461 Pts -100,063 Pts 9,807,855 Pts
25 ### -79,444 Pts -2,214,905 Pts -100,873 Pts 9,706,982 Pts
26 ### -78,627 Pts -2,293,532 Pts -101,690 Pts 9,605,291 Pts
27 ### -77,803 Pts -2,371,334 Pts -102,514 Pts 9,502,777 Pts
28 ### -76,972 Pts -2,448,307 Pts -103,344 Pts 9,399,433 Pts
29 ### -76,135 Pts -2,524,442 Pts -104,182 Pts 9,295,251 Pts
30 ### -75,292 Pts -2,599,734 Pts -105,025 Pts 9,190,226 Pts
31 ### -74,441 Pts -2,674,175 Pts -105,876 Pts 9,084,350 Pts
32 ### -73,583 Pts -2,747,758 Pts -106,734 Pts 8,977,616 Pts
33 ### -72,719 Pts -2,820,477 Pts -107,598 Pts 8,870,018 Pts
34 ### -71,847 Pts -2,892,324 Pts -108,470 Pts 8,761,548 Pts
35 ### -70,969 Pts -2,963,292 Pts -109,348 Pts 8,652,200 Pts
36 ### -70,083 Pts -3,033,375 Pts -110,234 Pts 8,541,966 Pts
37 ### -69,190 Pts -3,102,565 Pts -111,127 Pts 8,430,839 Pts
38 ### -68,290 Pts -3,170,855 Pts -112,027 Pts 8,318,812 Pts
39 ### -67,382 Pts -3,238,237 Pts -112,935 Pts 8,205,877 Pts
40 ### -66,468 Pts -3,304,705 Pts -113,849 Pts 8,092,028 Pts
41 ### -65,545 Pts -3,370,250 Pts -114,772 Pts 7,977,256 Pts
42 ### -64,616 Pts -3,434,866 Pts -115,701 Pts 7,861,555 Pts
43 ### -63,679 Pts -3,498,545 Pts -116,638 Pts 7,744,917 Pts
44 ### -62,734 Pts -3,561,278 Pts -117,583 Pts 7,627,334 Pts
45 ### -61,781 Pts -3,623,060 Pts -118,536 Pts 7,508,798 Pts
46 ### -60,821 Pts -3,683,881 Pts -119,496 Pts 7,389,302 Pts
47 ### -59,853 Pts -3,743,734 Pts -120,464 Pts 7,268,839 Pts
48 ### -58,878 Pts -3,802,612 Pts -121,439 Pts 7,147,399 Pts
49 ### -57,894 Pts -3,860,506 Pts -122,423 Pts 7,024,976 Pts
50 ### -56,902 Pts -3,917,408 Pts -123,415 Pts 6,901,562 Pts
51 ### -55,903 Pts -3,973,311 Pts -124,414 Pts 6,777,148 Pts
52 ### -54,895 Pts -4,028,206 Pts -125,422 Pts 6,651,726 Pts
53 ### -53,879 Pts -4,082,085 Pts -126,438 Pts 6,525,288 Pts
54 ### -52,855 Pts -4,134,940 Pts -127,462 Pts 6,397,825 Pts

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Año Fecha Parte de intereses Interés acumulado Amortización Resto de la deuda
55 ### -51,822 Pts -4,186,762 Pts -128,495 Pts 6,269,331 Pts
56 ### -50,782 Pts -4,237,544 Pts -129,535 Pts 6,139,796 Pts
57 ### -49,732 Pts -4,287,276 Pts -130,585 Pts 6,009,211 Pts
58 ### -48,675 Pts -4,335,951 Pts -131,642 Pts 5,877,569 Pts
59 ### -47,608 Pts -4,383,559 Pts -132,709 Pts 5,744,860 Pts
60 ### -46,533 Pts -4,430,092 Pts -133,784 Pts 5,611,076 Pts
61 ### -45,450 Pts -4,475,542 Pts -134,867 Pts 5,476,209 Pts
62 ### -44,357 Pts -4,519,899 Pts -135,960 Pts 5,340,250 Pts
63 ### -43,256 Pts -4,563,155 Pts -137,061 Pts 5,203,189 Pts
64 ### -42,146 Pts -4,605,301 Pts -138,171 Pts 5,065,018 Pts
65 ### -41,027 Pts -4,646,328 Pts -139,290 Pts 4,925,727 Pts
66 ### -39,898 Pts -4,686,226 Pts -140,419 Pts 4,785,309 Pts
67 ### -38,761 Pts -4,724,987 Pts -141,556 Pts 4,643,753 Pts
68 ### -37,614 Pts -4,762,601 Pts -142,703 Pts 4,501,050 Pts
69 ### -36,459 Pts -4,799,060 Pts -143,858 Pts 4,357,192 Pts
70 ### -35,293 Pts -4,834,353 Pts -145,024 Pts 4,212,168 Pts
71 ### -34,119 Pts -4,868,472 Pts -146,198 Pts 4,065,970 Pts
72 ### -32,934 Pts -4,901,406 Pts -147,383 Pts 3,918,587 Pts
73 ### -31,741 Pts -4,933,147 Pts -148,576 Pts 3,770,011 Pts
74 ### -30,537 Pts -4,963,684 Pts -149,780 Pts 3,620,231 Pts
75 ### -29,324 Pts -4,993,008 Pts -150,993 Pts 3,469,238 Pts
76 ### -28,101 Pts -5,021,109 Pts -152,216 Pts 3,317,022 Pts
77 ### -26,868 Pts -5,047,976 Pts -153,449 Pts 3,163,573 Pts
78 ### -25,625 Pts -5,073,601 Pts -154,692 Pts 3,008,881 Pts
79 ### -24,372 Pts -5,097,973 Pts -155,945 Pts 2,852,936 Pts
80 ### -23,109 Pts -5,121,082 Pts -157,208 Pts 2,695,728 Pts
81 ### -21,835 Pts -5,142,917 Pts -158,482 Pts 2,537,246 Pts
82 ### -20,552 Pts -5,163,469 Pts -159,765 Pts 2,377,481 Pts
83 ### -19,258 Pts -5,182,727 Pts -161,059 Pts 2,216,422 Pts
84 ### -17,953 Pts -5,200,680 Pts -162,364 Pts 2,054,058 Pts
85 ### -16,638 Pts -5,217,318 Pts -163,679 Pts 1,890,379 Pts
86 ### -15,312 Pts -5,232,630 Pts -165,005 Pts 1,725,374 Pts
87 ### -13,976 Pts -5,246,605 Pts -166,341 Pts 1,559,032 Pts
88 ### -12,628 Pts -5,259,233 Pts -167,689 Pts 1,391,344 Pts
89 ### -11,270 Pts -5,270,503 Pts -169,047 Pts 1,222,297 Pts
90 ### -9,901 Pts -5,280,404 Pts -170,416 Pts 1,051,880 Pts
91 ### -8,520 Pts -5,288,924 Pts -171,797 Pts 880,084 Pts
92 ### -7,129 Pts -5,296,053 Pts -173,188 Pts 706,895 Pts
93 ### -5,726 Pts -5,301,779 Pts -174,591 Pts 532,304 Pts
94 ### -4,312 Pts -5,306,090 Pts -176,005 Pts 356,299 Pts
95 ### -2,886 Pts -5,308,976 Pts -177,431 Pts 178,868 Pts
96 ### -1,449 Pts -5,310,425 Pts -178,868 Pts 0 Pts
97 ### 0 Pts 0 Pts 0 Pts 0 Pts
98 ### 0 Pts 0 Pts 0 Pts 0 Pts
99 ### 0 Pts 0 Pts 0 Pts 0 Pts
100 ### 0 Pts 0 Pts 0 Pts 0 Pts
101 ### 0 Pts 0 Pts 0 Pts 0 Pts
102 ### 0 Pts 0 Pts 0 Pts 0 Pts
103 ### 0 Pts 0 Pts 0 Pts 0 Pts
104 ### 0 Pts 0 Pts 0 Pts 0 Pts
105 ### 0 Pts 0 Pts 0 Pts 0 Pts
106 ### 0 Pts 0 Pts 0 Pts 0 Pts
107 ### 0 Pts 0 Pts 0 Pts 0 Pts
108 ### 0 Pts 0 Pts 0 Pts 0 Pts
109 ### 0 Pts 0 Pts 0 Pts 0 Pts
110 ### 0 Pts 0 Pts 0 Pts 0 Pts
111 ### 0 Pts 0 Pts 0 Pts 0 Pts
112 ### 0 Pts 0 Pts 0 Pts 0 Pts
113 ### 0 Pts 0 Pts 0 Pts 0 Pts
114 ### 0 Pts 0 Pts 0 Pts 0 Pts
115 ### 0 Pts 0 Pts 0 Pts 0 Pts
116 ### 0 Pts 0 Pts 0 Pts 0 Pts
117 ### 0 Pts 0 Pts 0 Pts 0 Pts
118 ### 0 Pts 0 Pts 0 Pts 0 Pts
119 ### 0 Pts 0 Pts 0 Pts 0 Pts
120 ### 0 Pts 0 Pts 0 Pts 0 Pts

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