AMORTIZACION DE UN CREDITO

Cruz Verde vende mercancía a plazos por un valor de $8’400.000 con el pago de la cuota
inicial de $2’800.000 y otorgo una financiación de 12 meses a una tasa de interés del
25%.

Interés= 25%/12=2,08% mensual =0,0208

100
n
FACTOR: i (1+i)
(1+i) n-1
FACTOR: 0,0208(1+0,0208)12
(1+0,0208)12-1
FACTOR: 0,0208(1,0208)12
(1,0208)12-1
FACTOR: 0, O208 (1,2802298131)
(1,2802298131)-1
FACTOR: 0, 0266287801
0, 2802298131
FACTOR: 0, 0950247934

CUOTA FIJA: 0,0950247934*5’600.000= 532.138

VALOR
SALDO AMORTIZACION CUOTA IVA POR
N°CUOTA INTERESES CUOTA
CAPITAL CAPITAL FIJA INTERES
MENSUAL
0 5,600,000
1 5,184,342 415,658 116,480 532,138 18,637 550,775
2 4,760,038 424,304 107,834 532,138 17,253 549,391
3 4,326,909 433,129 99,009 532,138 15,841 547,979
4 3,884,771 442,138 90,000 532,138 14,400 546,538
5 3,433,436 451,335 80,803 532,138 12,929 545,067
6 2,972,714 460,723 71,415 532,138 11,426 543,564
7 2,502,408 470,306 61,832 532,138 9,893 542,031
8 2,022,320 480,088 52,050 532,138 8,328 540,466
9 1,532,246 490,074 42,064 532,138 6,730 538,868
10 1,031,979 500,267 31,871 532,138 5,099 537,237
11 521,306 510,673 21,465 532,138 3,434 535,572
12 11 521,295 10,843 532,138 1,735 533,873
TOTALES 5,099,721 753,797 5,853,518 120,607 5,974,125