1.

Se obtiene un préstamo de $12,000 el día 12/03/2016 que se cancelara en

4 pagos mensuales con amortizaciones iguales, a una TEA del 5%

P S/. 12,000.00
TEA 5%
TEM 0.4074% mensual
N 4 mensual

METODO ALEMAN Hallado con fijar objetivo: S/. 3,048.89

FECHA N CAPITAL INTERES AMORTIZ CUOTA SALDO
3/12/2016 1 S/. 12,000.00 S/. 48.89 S/. 3,000.00 S/. 3,048.89 S/. 9,000.00
4/12/2016 2 S/. 9,000.00 S/. 36.67 S/. 3,000.00 S/. 3,036.67 S/. 6,000.00
5/12/2016 3 S/. 6,000.00 S/. 24.44 S/. 3,000.00 S/. 3,024.44 S/. 3,000.00
6/12/2016 4 S/. 3,000.00 S/. 12.22 S/. 3,000.00 S/. 3,012.22 S/. 0.00
S/. 12,000.00

2. El 13/6/2016 se obtiene un préstamo de 20,000 pagaderos en

5 mensualidades iguales a una tasa de interés del 16.98% TEA

P 20000
TEA 16.98%
TEM 1.316% mensual
N 5 mensual

METODO FRANCES S/. 4,159.24 =PMT(B25,B26,-B23)

FECHA N CAPITAL INTERES AMORTIZ CUOTA SALDO
6/13/2016 1 S/. 20,000.00 S/. 263.10 S/. 3,896.13 S/. 4,159.24 S/. 16,103.87
5/13/2016 2 S/. 16,103.87 S/. 211.85 S/. 3,947.39 S/. 4,159.24 S/. 12,156.48
4/13/2016 3 S/. 12,156.48 S/. 159.92 S/. 3,999.32 S/. 4,159.24 S/. 8,157.16
3/13/2016 4 S/. 8,157.16 S/. 107.31 S/. 4,051.93 S/. 4,159.24 S/. 4,105.23
2/13/2016 5 S/. 4,105.23 S/. 54.01 S/. 4,105.23 S/. 4,159.24 S/. 0.00
S/. 20,000.00

3. Se obtiene un préstamo de 30,000 para ser pagado en 5 años con cuotas constantes
semestrales a una tasa efectiva anual del 16%

P S/. 30,000.00
TEA 16.00%
TES 7.703%
N 10 10 Semestres en 5 años

METODO FRANCES S/. 4,411.24 =PMT(B43,B44,-B41)

N CAPITAL INTERES AMORTIZ CUOTA SALDO
 1 S/. 30,000.00 S/. 2,310.99 S/. 2,100.25 S/. 4,411.24 S/. 27,899.75
Año 1 2 S/. 27,899.75 S/. 2,149.20 S/. 2,262.03 S/. 4,411.24 S/. 25,637.72
3 S/. 25,637.72 S/. 1,974.95 S/. 2,436.29 S/. 4,411.24 S/. 23,201.43
Año 2 4 S/. 23,201.43 S/. 1,787.28 S/. 2,623.96 S/. 4,411.24 S/. 20,577.47
5 S/. 20,577.47 S/. 1,585.14 S/. 2,826.09 S/. 4,411.24 S/. 17,751.38
Año 3 6 S/. 17,751.38 S/. 1,367.44 S/. 3,043.79 S/. 4,411.24 S/. 14,707.59
7 S/. 14,707.59 S/. 1,132.97 S/. 3,278.27 S/. 4,411.24 S/. 11,429.32
Año 4 8 S/. 11,429.32 S/. 880.43 S/. 3,530.80 S/. 4,411.24 S/. 7,898.52
9 S/. 7,898.52 S/. 608.45 S/. 3,802.79 S/. 4,411.24 S/. 4,095.73
Año 5 10 S/. 4,095.73 S/. 315.51 S/. 4,095.73 S/. 4,411.24 S/. -0.00
S/. 30,000.00

4. Se solicita un préstamo de 3400 que cobra una TEM del 2% si el plazo es de

20 quincenas ( método alemán )

P S/. 3,400.00
TEA 0.9950% quincenas
TEM 2% mensual
N 20 quincenas
METODO ALEMAN
N CAPITAL INTERES AMORTIZ CUOTA SALDO
1 S/. 3,400.00 S/. 33.83 S/. 170.00 S/. 203.83 S/. 3,230.00
2 S/. 3,230.00 S/. 248.82 S/. 170.00 S/. 418.82 S/. 3,060.00
3 S/. 3,060.00 S/. 235.72 S/. 170.00 S/. 405.72 S/. 2,890.00
4 S/. 2,890.00 S/. 222.63 S/. 170.00 S/. 392.63 S/. 2,720.00
5 S/. 2,720.00 S/. 209.53 S/. 170.00 S/. 379.53 S/. 2,550.00
6 S/. 2,550.00 S/. 196.43 S/. 170.00 S/. 366.43 S/. 2,380.00
7 S/. 2,380.00 S/. 183.34 S/. 170.00 S/. 353.34 S/. 2,210.00
8 S/. 2,210.00 S/. 170.24 S/. 170.00 S/. 340.24 S/. 2,040.00
9 S/. 2,040.00 S/. 157.15 S/. 170.00 S/. 327.15 S/. 1,870.00
10 S/. 1,870.00 S/. 144.05 S/. 170.00 S/. 314.05 S/. 1,700.00
11 S/. 1,700.00 S/. 130.96 S/. 170.00 S/. 300.96 S/. 1,530.00
12 S/. 1,530.00 S/. 117.86 S/. 170.00 S/. 287.86 S/. 1,360.00
13 S/. 1,360.00 S/. 104.76 S/. 170.00 S/. 274.76 S/. 1,190.00
14 S/. 1,190.00 S/. 91.67 S/. 170.00 S/. 261.67 S/. 1,020.00
15 S/. 1,020.00 S/. 78.57 S/. 170.00 S/. 248.57 S/. 850.00
16 S/. 850.00 S/. 65.48 S/. 170.00 S/. 235.48 S/. 680.00
17 S/. 680.00 S/. 52.38 S/. 170.00 S/. 222.38 S/. 510.00
18 S/. 510.00 S/. 39.29 S/. 170.00 S/. 209.29 S/. 340.00
19 S/. 340.00 S/. 26.19 S/. 170.00 S/. 196.19 S/. 170.00
20 S/. 170.00 S/. 13.10 S/. 170.00 S/. 183.10 S/. -
S/. 3,400.00
5. El Sr. Honisman solicita un préstamo por 4,250 siendo la tasa nominal anual del 55 %
capitalizable mensualmente. El plazo es de un año ( cuotas mensuales iguales)
P S/. 4,250.00
TNA 55%
TEA 71% ANUAL
TEM 4.583% MENSUAL
N 12 MESES

Usando buscar objetivo: S/. 539.23

N CAPITAL INTERES AMORTIZ CUOTA SALDO
1 S/. 4,250.00 S/. 194.79 S/. 344.44 S/. 539.23 S/. 3,905.56
2 S/. 3,905.56 S/. 300.86 S/. 238.37 S/. 539.23 S/. 3,667.19
3 S/. 3,667.19 S/. 282.49 S/. 256.73 S/. 539.23 S/. 3,410.46
4 S/. 3,410.46 S/. 262.72 S/. 276.51 S/. 539.23 S/. 3,133.95
5 S/. 3,133.95 S/. 241.42 S/. 297.81 S/. 539.23 S/. 2,836.14
6 S/. 2,836.14 S/. 218.48 S/. 320.75 S/. 539.23 S/. 2,515.38
7 S/. 2,515.38 S/. 193.77 S/. 345.46 S/. 539.23 S/. 2,169.92
8 S/. 2,169.92 S/. 167.16 S/. 372.07 S/. 539.23 S/. 1,797.85
9 S/. 1,797.85 S/. 138.49 S/. 400.73 S/. 539.23 S/. 1,397.12
10 S/. 1,397.12 S/. 107.62 S/. 431.60 S/. 539.23 S/. 965.51
11 S/. 965.51 S/. 74.38 S/. 464.85 S/. 539.23 S/. 500.66
12 S/. 500.66 S/. 38.57 S/. 500.66 S/. 539.23 S/. -
S/. 4,250.00
T(B25,B26,-B23)

T(B43,B44,-B41)