paso 1 paso 2 paso 3

Ak Ik Vk
Periodo (año) Vencimiento Amortización o cuota Interés Capital
0 11/1/2018 0 0 0
1 11/1/2019 250,456 80,000 170,456
2 11/1/2020 250,456 66,363 184,093
3 11/1/2021 250,456 51,636 198,820
4 11/1/2022 250,456 35,730 214,726
5 11/1/2023 250,456 18,552 231,904

Periodo (año) Vencimiento Amortización o cuota Interés Capital

0 11/1/2018
1 11/1/2019 250,456 80,000 170,456
2 11/1/2020 250,456 66,363 184,093
3 11/1/2021 250,456 51,636 198,820
4 11/1/2022 250,456 35,730 214,726
5 11/1/2023 250,456 18,552 231,904
 paso 4

Deuda (Saldo)
1,000,000 préstamo 1,000,000 gs
829,544 periodo 5 año
645,451 interés 0.08 %
446,630 fecha 11/1/2018
231,904
0

SISTEMA FRANCES
Deuda (Saldo)
1,000,000
829,544
645,451
446,630
231,904
0
 paso 1 paso 2 paso 3
Ak Ik Vk
Periodo (año) Vencimiento Amortización o cuota Interés Cuota de Capital
0 1/1/2018 0 0 0
1 2/1/2018 6,484,719 1,200,000 5,284,719
2 3/1/2018 6,484,719 1,136,583 5,348,136
3 4/1/2018 6,484,719 1,072,406 5,412,313
4 5/1/2018 6,484,719 1,007,458 5,477,261
5 6/1/2018 6,484,719 941,731 5,542,988
6 7/1/2018 36,484,719 875,215 35,609,504
7 8/1/2018 6,484,719 447,901 6,036,818
8 9/1/2018 6,484,719 375,459 6,109,260
9 10/1/2018 6,484,719 302,148 6,182,571
10 11/1/2018 6,484,719 227,957 6,256,762
11 12/1/2018 6,484,719 152,876 6,331,843
12 1/1/2019 6,484,719 76,894 6,407,825

SISTEMA FRANCES
 paso 4

Deuda (Saldo) Vp= 100,000,000 gs

100,000,000 n= 12 cuota
94,715,281 i= 0.012
89,367,145 Refuerzo= 30,000,000 gs
83,954,832 n per a actualizar= 6
78,477,571 VA refuerzo= 27,927,894
72,934,583
37,325,079
31,288,261 Deuda actual - Refuerzo= 72,072,106
25,179,001 Nueva Amortización= 6,484,719
18,996,430
12,739,668
6,407,825
-
 paso 1 paso 2 paso 3
Ak Ik Vk
Periodo (año) Vencimiento Amortización o cuota Interés Cuota de Capital
0 1/1/2017 - - -
1 2/1/2017 4,189,784 1,500,000 3,492,410
2 3/1/2017 4,189,784 1,447,614 3,544,796
3 4/1/2017 4,189,784 1,394,442 3,597,968
4 5/1/2017 4,189,784 1,340,472 3,651,938
5 6/1/2017 4,189,784 1,285,693 3,706,717
6 7/1/2017 9,189,784 1,230,093 3,762,318
7 8/1/2017 4,189,784 1,173,658 3,818,752
8 9/1/2017 4,189,784 1,116,377 3,876,034
9 10/1/2017 4,189,784 1,058,236 3,934,174
10 11/1/2017 4,189,784 999,223 3,993,187
11 12/1/2017 4,189,784 939,326 4,053,085
12 1/1/2018 9,189,784 878,529 4,113,881
13 2/1/2018 4,189,784 816,821 4,175,589
14 3/1/2018 4,189,784 754,187 4,238,223
15 4/1/2018 4,189,784 690,614 4,301,796
16 5/1/2018 4,189,784 626,087 4,366,323
17 6/1/2018 4,189,784 560,592 4,431,818
18 7/1/2018 9,189,784 494,115 4,498,295
19 8/1/2018 4,189,784 426,640 4,565,770
20 9/1/2018 4,189,784 358,154 4,634,256
21 10/1/2018 4,189,784 288,640 4,703,770
22 11/1/2018 4,189,784 218,083 4,774,327
23 12/1/2018 4,189,784 146,469 4,845,942
24 1/1/2019 9,189,784 73,779 4,918,631
 paso 4

Deuda (Saldo) Vp= 100,000,000 gs

100,000,000 n= 24 cuotas
96,507,590 i= 0.015
92,962,793 Refuerzo= 5,000,000 gs cada 6 meses
89,364,825 periodos a actualizar = 6
85,712,887
82,006,170
78,243,853
74,425,100 VP del refuerzo 1 = 6 4,572,711 gs
70,549,067 VP del refuerzo 2 = 12 4,181,937 gs
66,614,893 VP del refuerzo 3 = 18 3,824,558 gs
62,621,706 VP del refuerzo 4 = 24 3,497,720 gs
58,568,621 16,076,926 gs
54,454,740
50,279,151 Deuda actual = 83,923,074 gs
46,040,928
41,739,132 Amortización o cuota= 4,189,784 gs
37,372,809
32,940,991
28,442,695
23,876,926 SISTEMA FRANCES
19,242,669
14,538,899
9,764,572
4,918,631
0
 paso 1 paso 2 paso 3
Ak Ik Vk
Periodo (año) Vencimiento Amortización o cuota Interés Cuota de Capital
0 1/1/2017 - - -
1 2/1/2017 9,869,244 2,800,000 7,069,244
2 3/1/2017 9,869,244 2,701,031 7,168,213
3 4/1/2017 9,869,244 2,600,676 7,268,568
4 5/1/2017 9,869,244 2,498,916 7,370,328
5 6/1/2017 9,869,244 2,395,731 7,473,513
6 7/1/2017 9,869,244 2,291,102 7,578,142
7 8/1/2017 9,869,244 2,185,008 7,684,236
8 9/1/2017 9,869,244 2,077,429 7,791,815
9 10/1/2017 9,869,244 1,968,343 7,900,900
10 11/1/2017 9,869,244 1,857,731 8,011,513
11 12/1/2017 9,869,244 1,745,569 8,123,674
12 1/1/2018 9,869,244 1,631,838 8,237,406
13 2/1/2018 9,869,244 1,516,514 8,352,729
14 3/1/2018 9,869,244 1,399,576 8,469,668
15 4/1/2018 9,869,244 1,281,001 8,588,243
16 5/1/2018 9,869,244 1,160,765 8,708,478
17 6/1/2018 9,869,244 1,038,847 8,830,397
18 7/1/2018 9,869,244 915,221 8,954,023
19 8/1/2018 9,869,244 789,865 9,079,379
20 9/1/2018 9,869,244 662,753 9,206,490
21 10/1/2018 9,869,244 533,863 9,335,381
22 11/1/2018 9,869,244 403,167 9,466,076
23 12/1/2018 9,869,244 270,642 9,598,602
24 1/1/2019 9,869,244 136,262 9,732,982
 paso 4

Deuda (Saldo) Vp= 200,000,000 gs

200,000,000 n= 24 cuotas
192,930,756 i= 0.014
185,762,543
178,493,975 Entrega en mes 10= 40,000,000 gs
171,123,647
163,650,134
156,071,993
148,387,757
140,595,942
132,695,041
124,683,528 SISTEMA FRANCES
116,559,854
108,322,448
99,969,719
91,500,051
82,911,808
74,203,330
65,372,933
56,418,910
47,339,531
38,133,041
28,797,660
19,331,583
9,732,982
-
 paso 1 paso 2 paso 3 paso 4
Vk Ik Ak
Periodo (año) Vencimiento Capital Interés Amortización o cuota Deuda (Saldo)
0 11/1/2018 0 0 0 1,000,000
1 11/1/2019 200,000 80,000 280,000 800,000
2 11/1/2020 200,000 64,000 264,000 600,000
3 11/1/2021 200,000 48,000 248,000 400,000
4 11/1/2022 200,000 32,000 232,000 200,000
5 11/1/2023 200,000 16,000 216,000 -

SISTEMA ALEM
 préstamo = 1,000,000 gs
n per = 5 años
i= 8% anual

SISTEMA ALEMÁN
 paso 4 paso 1 paso 2 paso 3
Vk Ik Ak
Periodo (año) Vencimiento Capital Interés Amortización o cuota Deuda (Saldo)
0 11/1/2018 0 0 0 1,000,000
1 11/1/2019 80,000 80,000 1,000,000
2 11/1/2020 80,000 80,000 1,000,000
3 11/1/2021 80,000 80,000 1,000,000
4 11/1/2022 80,000 80,000 1,000,000
5 11/1/2023 1,000,000 80,000 1,080,000 -
 préstamo = 1,000,000 gs
n per = 5 años
i= 8% anual

SISTEMA AMERICANO
deuda 100,000 $
nper 5 años
i 5% capitalización semestral

paso 1 paso 2 paso 3 paso 4

Ak Ik Vk
Periodo (año) Vencimiento Amortización o cuota Interés Capital Deuda (Saldo)
0 1/1/2018 100,000
1 1/2/2018 0 5,000 0 100,000
2 1/3/2018 0 5,000 0 100,000
3 1/4/2018 0 5,000 0 100,000
4 1/5/2018 17,282 5,000 12,282 87,718
5 1/6/2018 17,282 4,386 12,896 74,822
6 1/7/2018 17,282 3,741 13,541 61,281
7 1/8/2018 17,282 3,064 14,218 47,063
8 1/9/2018 17,282 2,353 14,929 32,134
9 1/10/2018 17,282 1,607 15,675 16,459
10 1/11/2018 17,282 823 16,459 -