AMORTIZACIÓN CON CUOTAS UNIFORMES

Realizar una tabla de amortización para una deuda de $ 600.000 en 8 pa

Letra B/. 104,408.86

Número (1) SALDO (2)=4-3

de Pagos DEL PRÉSTAMO AMORTIZACION
1 B/. 600,000.00 B/. 56,408.86
2 B/. 543,591.14 B/. 60,921.56
3 B/. 482,669.58 B/. 65,795.29
4 B/. 416,874.29 B/. 71,058.91
5 B/. 345,815.38 B/. 76,743.63
6 B/. 269,071.75 B/. 82,883.12
7 B/. 186,188.63 B/. 89,513.77
8 B/. 96,674.87 B/. 96,674.87

AMORTIZACIÓN CON CUOTAS EXTRAS PACTADAS

Resolver el ejercicio anterior, suponiendo que en el trimestre 3 y 5, s

80.000 y $ 100.000 respectivamente.
 600000 5.7466389437 más

A= 600000-63506.58-68058.32
5.7466389437

Número (1) SALDO (2)=4-3

de Pagos DEL PRÉSTAMO AMORTIZACION
1 600000 B/. 33,514.62
2 B/. 566,485.38 B/. 36,195.79
3 B/. 530,289.59 B/. 119,091.45
4 B/. 411,198.13 B/. 48,618.77
5 B/. 362,579.36 B/. 152,508.27
6 B/. 210,071.09 B/. 64,708.93
7 B/. 145,362.15 B/. 69,885.65
8 B/. 75,476.50 B/. 75,476.50

AMORTIZACIÓN CON CUOTAS EXTRAS NO PACTADAS

Una deuda de $ 1.800.000 se va a cancelar en 6 pagos semestrales con un

efectuar el pago No 3, se realiza un abono extra no pactado
a) Realizar la tabla si con el abono extra se solicita la reliquidación de la cuo
b) Realizar la tabla si la cuota extra se abona al capital sin reliquidar la cuota
interes 0.1
Pago B/. 413,293.28
a. MANTENIEMIENTO DEL PLAZO, REQUIDACIÓN DE LA CUOTA

Número (1) SALDO (2)=4-3

de Pagos DEL PRÉSTAMO AMORTIZACION
1 1800000.00 B/. 233,293.28
2 1566706.72 B/. 256,622.61
3 1310084.10 B/. 1,062,284.87
4 247799.23 B/. 74,863.82
5 172935.41 B/. 82,350.20
6 90585.22 B/. 90,585.22
B. DISMINUCIÓN DEL PLAZO

A partir del abono extra no pactado de $780,000 en el periodo 3

Número (1) SALDO (2)=4-3

de Pagos DEL PRÉSTAMO AMORTIZACION
1 1800000.00 B/. 233,293.28
2 1566706.72 B/. 256,622.61
3 1310084.10 B/. 1,062,284.87
4 247799.23 B/. 247,799.23

AMORTIZACIÓN CON PERÍODO DE GRACIA

Ejemplo

Se adquiere un préstamo por la suma de $ 10.000.000, pagad

bimestral. Elaborar la tabla de amortización, si la primera cuo
el período de gracia, no se pagan intereses ni s

Número (1) SALDO (2)=4-3

de Pagos DEL PRÉSTAMO
1 10000000.00
2 10500000.00
3 11025000.00
4 11576250.00
5 9874339.03
6 8087332.52
AMORTIZACION
(B/. 500,000.00)
(B/. 525,000.00)
(B/. 551,250.00)
B/. 1,701,910.97
B/. 1,787,006.51
B/. 1,876,356.84
 7 6210975.68 B/. 1,970,174.68
8 4240801.00 B/. 2,068,683.42
9 2172117.59 B/. 2,172,117.59

Resolver el problema anterior suponiendo que el período de gracia es con cu

Cuota reducida Capital*tasa*tiempo

500⌈(1- 〖 (1+.05) 〗
10000000 ^(-3))/0.05⌉

10000000 B/. 1,361,624.01

10000000 B/. 1,361,624.01

 B/. 8,638,375.99 A

A= B/. 8,638,375.99
4.3845736463

Número (1) SALDO (2)=4-3

de Pagos DEL PRÉSTAMO AMORTIZACION
1 10000000.00 B/. 0.00
2 10000000.00 B/. 0.00
3 10000000.00 B/. 0.00
4 10000000.00 B/. 1,470,174.68
5 8529825.32 B/. 1,543,683.42
6 6986141.90 B/. 1,620,867.59
7 5365274.32 B/. 1,701,910.97
8 3663363.35 B/. 1,787,006.51
9 1876356.84 B/. 1,876,356.84
NIFORMES

una deuda de $ 600.000 en 8 pagos trimestrales con una tasa de interés del 32% CT.

(3)=0.08* (1) PAGO DE (5)=1-2 SALDO

INTERESES (4)PAGOS DEL
48000.00 B/. 104,408.86 B/. 543,591.14
43487.29 B/. 104,408.86 B/. 482,669.58
38613.57 B/. 104,408.86 B/. 416,874.29
33349.94 B/. 104,408.86 B/. 345,815.38
27665.23 B/. 104,408.86 B/. 269,071.75
21525.74 B/. 104,408.86 B/. 186,188.63
14895.09 B/. 104,408.86 B/. 96,674.87
7733.99 B/. 104,408.86 B/. 0.00

XTRAS PACTADAS

o que en el trimestre 3 y 5, se hacen abonos extraordinarios de $

 B/. 63,506.58 mas B/. 68,058.32

468435.1 81514.6217793062 LETRA O PAGO

5.7466389437

(3)=0.08* (1) PAGO DE (5)=1-2 SALDO

INTERESES (4)PAGOS DEL
48000 B/. 81,514.62 B/. 566,485.38
45318.8302576555 B/. 81,514.62 B/. 530,289.59
42423.1669359234 B/. 161,514.62 B/. 411,198.13
32895.8505484528 B/. 81,514.62 B/. 362,579.36
29006.3488499845 B/. 181,514.62 B/. 210,071.09
16805.6870156388 B/. 81,514.62 B/. 145,362.15
11628.9722345454 B/. 81,514.62 B/. 75,476.50
6038.1202709646 B/. 81,514.62 B/. 0.00

TRAS NO PACTADAS

en 6 pagos semestrales con un interés 20% semestral, si al momento

aliza un abono extra no pactado de $ 780.000 se pide:
olicita la reliquidación de la cuota,
al capital sin reliquidar la cuota

Pago 2 B/. 99,643.74

N DE LA CUOTA

(3)=0.08* (1) PAGO DE (5)=1-2 SALDO

INTERESES (4)PAGOS DEL
180000 B/. 413,293.28 B/. 1,566,706.72
156670.67153472 B/. 413,293.28 B/. 1,310,084.10
131008.410222912 B/. 1,193,293.28 B/. 247,799.23
24779.9227799228 B/. 99,643.74 B/. 172,935.41
17293.5412754144 B/. 99,643.74 B/. 90,585.22
9058.5216204552 B/. 99,643.74 B/. 0.00
do de $780,000 en el periodo 3 la tabla de amortización quedará así:

(3)=0.08* (1) PAGO DE (5)=1-2 SALDO

INTERESES (4)PAGOS DEL
180000 B/. 413,293.28 B/. 1,566,706.72
156670.67153472 B/. 413,293.28 B/. 1,310,084.10
131008.410222912 B/. 1,193,293.28 B/. 247,799.23
24779.9227799228 B/. 272,579.15 B/. 0.00
 a de $ 10.000.000, pagadero en 6 cuotas bimestrales 5%
tización, si la primera cuota se paga en el bimestre 4, en
no se pagan intereses ni se abona a capital

B/. 11,576,250.00

B/. 2,280,723.47

(3)=0.08* (1) PAGO DE (5)=1-2 SALDO

INTERESES (4)PAGOS DEL
500000 B/. 0.00 B/. 10,500,000.00
525000 B/. 0.00 B/. 11,025,000.00
551250 B/. 0.00 B/. 11,576,250.00
578812.5 B/. 2,280,723.47 B/. 9,874,339.03
493716.951739472 B/. 2,280,723.47 B/. 8,087,332.52
404366.626065917 B/. 2,280,723.47 B/. 6,210,975.68
 310548.784108684 B/. 2,280,723.47 B/. 4,240,801.00
212040.05005359 B/. 2,280,723.47 B/. 2,172,117.59
108605.879295741 B/. 2,280,723.47 B/. 0.00

el período de gracia es con cuota

500000

1+.05) 〗 A⌈(1-
⌉ mas 〖 (1+.05) 〗 ^(- 〖(1+.05)〗^(-3)
6))/0.05⌉
mas A 5.0756920673 0.8638375985

mas A 4.3845736463
 4.3845736463

B/. 1,970,174.68

(3)=0.08* (1) PAGO DE (5)=1-2 SALDO

INTERESES (4)PAGOS DEL
500000 B/. 500,000.00 B/. 10,000,000.00
500000 B/. 500,000.00 B/. 10,000,000.00
500000 B/. 500,000.00 B/. 10,000,000.00
500000 B/. 1,970,174.68 B/. 8,529,825.32
426491.265944906 B/. 1,970,174.68 B/. 6,986,141.90
349307.095187057 B/. 1,970,174.68 B/. 5,365,274.32
268263.715891316 B/. 1,970,174.68 B/. 3,663,363.35
183168.167630787 B/. 1,970,174.68 B/. 1,876,356.84
93817.8419572327 B/. 1,970,174.68 B/. 0.00
interés del 32% CT.

os de $
se suma 80000

se suma 100000
ará así: