CRONOGRAMA DE AMORTIZACIÓN E INTERESES DE UN PRÉSTAMO

1) MÉTODO DE CUOTAS IGUALES: MÉTODO FRANCÉS

Ejemplo:
Se desembolsa el 01 de enero del 2017 un préstamo de S/.10,000 a 36 meses el cual está sujeto a una tasa
efectiva anual de 18%. Determinar la cuota a pagar mensualmente y desarrollar el cronograma de amortización e
intereses respectivo.

MODALIDAD VENCIDA

P 10,000.00
TEA 18.00%
TEM #NAME? Función TE1aTE2
n (meses) 36
Tipo 0
Cuota (R) #NAME? Función FRC

(1) (2) (3) (4) (5) (6) (7)

Número de Saldo inicial del Cuota mensual
Fecha de pago Intereses Amortización del Saldo final del
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; =$Cuota$ Int. =S.Ini Amort. =C S.Final =S.
1 j j
bolso; ta. 0; (fijar j
S.Inic.j=S. x uotaj - Inic.j -
F.Desb. Adelantad cuota con c.j
+30 días) a=Cta. 1 Final j-1 F4) $TEM$ Int. j
Amort. j

1/1/2017 0 REFERENCIAL (NO EXISTE)

1/31/2017 1 10,000.00 354.87 138.88 215.98 9,784.02
3/2/2017 2 9,784.02 354.87 135.88 218.98 9,565.03
4/1/2017 3 9,565.03 #NAME? #NAME? #NAME? #NAME?
5/1/2017 4 #NAME? #NAME? #NAME? #NAME? #NAME?
5/31/2017 5 #NAME? #NAME? #NAME? #NAME? #NAME?
6/30/2017 6 #NAME? #NAME? #NAME? #NAME? #NAME?
7/30/2017 7 #NAME? #NAME? #NAME? #NAME? #NAME?
8/29/2017 8 #NAME? #NAME? #NAME? #NAME? #NAME?
9/28/2017 9 #NAME? #NAME? #NAME? #NAME? #NAME?
10/28/2017 10 #NAME? #NAME? #NAME? #NAME? #NAME?
11/27/2017 11 #NAME? #NAME? #NAME? #NAME? #NAME?
12/27/2017 12 #NAME? #NAME? #NAME? #NAME? #NAME?
1/26/2018 13 #NAME? #NAME? #NAME? #NAME? #NAME?
2/25/2018 14 #NAME? #NAME? #NAME? #NAME? #NAME?
3/27/2018 15 #NAME? #NAME? #NAME? #NAME? #NAME?
4/26/2018 16 #NAME? #NAME? #NAME? #NAME? #NAME?
5/26/2018 17 #NAME? #NAME? #NAME? #NAME? #NAME?
6/25/2018 18 #NAME? #NAME? #NAME? #NAME? #NAME?
7/25/2018 19 #NAME? #NAME? #NAME? #NAME? #NAME?
8/24/2018 20 #NAME? #NAME? #NAME? #NAME? #NAME?
9/23/2018 21 #NAME? #NAME? #NAME? #NAME? #NAME?
10/23/2018 22 #NAME? #NAME? #NAME? #NAME? #NAME?
11/22/2018 23 #NAME? #NAME? #NAME? #NAME? #NAME?
12/22/2018 24 #NAME? #NAME? #NAME? #NAME? #NAME?
1/21/2019 25 #NAME? #NAME? #NAME? #NAME? #NAME?
2/20/2019 26 #NAME? #NAME? #NAME? #NAME? #NAME?
3/22/2019 27 #NAME? #NAME? #NAME? #NAME? #NAME?
4/21/2019 28 #NAME? #NAME? #NAME? #NAME? #NAME?
5/21/2019 29 #NAME? #NAME? #NAME? #NAME? #NAME?
6/20/2019 30 #NAME? #NAME? #NAME? #NAME? #NAME?
7/20/2019 31 #NAME? #NAME? #NAME? #NAME? #NAME?
8/19/2019 32 #NAME? #NAME? #NAME? #NAME? #NAME?
9/18/2019 33 #NAME? #NAME? #NAME? #NAME? #NAME?
10/18/2019 34 #NAME? #NAME? #NAME? #NAME? #NAME?
11/17/2019 35 #NAME? #NAME? #NAME? #NAME? #NAME?
12/17/2019 36 #NAME? #NAME? #NAME? #NAME? - =REDONDEAR

#NAME? #NAME? #NAME?

APLICACIÓN DE LAS FUNCIONES FINANCIERAS DE EXCEL ESTÁNDAR

 Número de Intereses Amortización del
Cuota capital
32 S/ 23.65 331.22
FUNCIONES: =-PAGOINT =-PAGOPRIN

MODALIDAD VENCIDA

P 10,000.00
TEA 18.00%
TEM #NAME? Función TE1aTE2
n (meses) 36
Tipo 0

(1) (2) (3) (4) (5) (6) (7)

Fecha de pago
Número de Saldo inicial del Cuota mensual Intereses Amortización del Saldo final del
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; Cuota =Int. =- =- S.Finalj=S.
1 j
bolso; ta. 0; S.Inic.j=S. j + PAGOINT PAGOPRIN Inic.j -
F.Desb. Adelantad ($TEM$,NºCta.,
+30 días) a=Cta. 1 Final j-1
Amort. j $Nper$,$P$,,$Tipo$) Amort. j

1/1/2017 0 REFERENCIAL (NO EXISTE)

1/31/2017 1 10,000.00 354.87 138.88 215.98 9,784.02
3/2/2017 2 9,784.02 354.87 135.88 218.98 9,565.03
4/1/2017 3 9,565.03 #NAME? #NAME? #NAME? #NAME?
5/1/2017 4 #NAME? #NAME? #NAME? #NAME? #NAME?
5/31/2017 5 #NAME? #NAME? #NAME? #NAME? #NAME?
6/30/2017 6 #NAME? #NAME? #NAME? #NAME? #NAME?
7/30/2017 7 #NAME? #NAME? #NAME? #NAME? #NAME?
8/29/2017 8 #NAME? #NAME? #NAME? #NAME? #NAME?
9/28/2017 9 #NAME? #NAME? #NAME? #NAME? #NAME?
10/28/2017 10 #NAME? #NAME? #NAME? #NAME? #NAME?
11/27/2017 11 #NAME? #NAME? #NAME? #NAME? #NAME?
12/27/2017 12 #NAME? #NAME? #NAME? #NAME? #NAME?
1/26/2018 13 #NAME? #NAME? #NAME? #NAME? #NAME?
2/25/2018 14 #NAME? #NAME? #NAME? #NAME? #NAME?
3/27/2018 15 #NAME? #NAME? #NAME? #NAME? #NAME?
4/26/2018 16 #NAME? #NAME? #NAME? #NAME? #NAME?
5/26/2018 17 #NAME? #NAME? #NAME? #NAME? #NAME?
6/25/2018 18 #NAME? #NAME? #NAME? #NAME? #NAME?
7/25/2018 19 #NAME? #NAME? #NAME? #NAME? #NAME?
8/24/2018 20 #NAME? #NAME? #NAME? #NAME? #NAME?
9/23/2018 21 #NAME? #NAME? #NAME? #NAME? #NAME?
10/23/2018 22 #NAME? #NAME? #NAME? #NAME? #NAME?
11/22/2018 23 #NAME? #NAME? #NAME? #NAME? #NAME?
12/22/2018 24 #NAME? #NAME? #NAME? #NAME? #NAME?
1/21/2019 25 #NAME? #NAME? #NAME? #NAME? #NAME?
2/20/2019 26 #NAME? #NAME? #NAME? #NAME? #NAME?
3/22/2019 27 #NAME? #NAME? #NAME? #NAME? #NAME?
4/21/2019 28 #NAME? #NAME? #NAME? #NAME? #NAME?
5/21/2019 29 #NAME? #NAME? #NAME? #NAME? #NAME?
6/20/2019 30 #NAME? #NAME? #NAME? #NAME? #NAME?
7/20/2019 31 #NAME? #NAME? #NAME? #NAME? #NAME?
8/19/2019 32 #NAME? #NAME? #NAME? #NAME? #NAME?
9/18/2019 33 #NAME? #NAME? #NAME? #NAME? #NAME?
10/18/2019 34 #NAME? #NAME? #NAME? #NAME? #NAME?
11/17/2019 35 #NAME? #NAME? #NAME? #NAME? #NAME?
12/17/2019 36 #NAME? #NAME? #NAME? #NAME? - =REDONDEAR

#NAME? #NAME? #NAME?

MODALIDAD ADELANTADA

P 10,000.00
TEA 18.00%
TEM #NAME? Función TE1aTE2
n (meses) 36
Tipo 1
Cuota (R) #NAME? Función FRC
 (1) (2) (3) (4) (5) (6) (7)
Fecha de pago
Número de Saldo inicial del Cuota mensual Intereses Amortización del Saldo final del
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; =$Cuota$ Interés1=0 Amort. =C S.Final =S.
1 j j
bolso; ta. 0; (fijar ;
S.Inic.j=S. uotaj - Inic.j -
F.Desb. Adelantad cuota con Int.j=S.Inic
+30 días) a=Cta. 1 Final F4) Int. Amort.
j-1 .jx$TEM$ j j

1/1/2017 1 10,000.00 350.01 - 350.01 9,649.99

1/31/2017 2 9,649.99 350.01 134.02 215.98 9,434.01
3/2/2017 3 9,434.01 #NAME? #NAME? #NAME? #NAME?
4/1/2017 4 #NAME? #NAME? #NAME? #NAME? #NAME?
5/1/2017 5 #NAME? #NAME? #NAME? #NAME? #NAME?
5/31/2017 6 #NAME? #NAME? #NAME? #NAME? #NAME?
6/30/2017 7 #NAME? #NAME? #NAME? #NAME? #NAME?
7/30/2017 8 #NAME? #NAME? #NAME? #NAME? #NAME?
8/29/2017 9 #NAME? #NAME? #NAME? #NAME? #NAME?
9/28/2017 10 #NAME? #NAME? #NAME? #NAME? #NAME?
10/28/2017 11 #NAME? #NAME? #NAME? #NAME? #NAME?
11/27/2017 12 #NAME? #NAME? #NAME? #NAME? #NAME?
12/27/2017 13 #NAME? #NAME? #NAME? #NAME? #NAME?
1/26/2018 14 #NAME? #NAME? #NAME? #NAME? #NAME?
2/25/2018 15 #NAME? #NAME? #NAME? #NAME? #NAME?
3/27/2018 16 #NAME? #NAME? #NAME? #NAME? #NAME?
4/26/2018 17 #NAME? #NAME? #NAME? #NAME? #NAME?
5/26/2018 18 #NAME? #NAME? #NAME? #NAME? #NAME?
6/25/2018 19 #NAME? #NAME? #NAME? #NAME? #NAME?
7/25/2018 20 #NAME? #NAME? #NAME? #NAME? #NAME?
8/24/2018 21 #NAME? #NAME? #NAME? #NAME? #NAME?
9/23/2018 22 #NAME? #NAME? #NAME? #NAME? #NAME?
10/23/2018 23 #NAME? #NAME? #NAME? #NAME? #NAME?
11/22/2018 24 #NAME? #NAME? #NAME? #NAME? #NAME?
12/22/2018 25 #NAME? #NAME? #NAME? #NAME? #NAME?
1/21/2019 26 #NAME? #NAME? #NAME? #NAME? #NAME?
2/20/2019 27 #NAME? #NAME? #NAME? #NAME? #NAME?
3/22/2019 28 #NAME? #NAME? #NAME? #NAME? #NAME?
4/21/2019 29 #NAME? #NAME? #NAME? #NAME? #NAME?
5/21/2019 30 #NAME? #NAME? #NAME? #NAME? #NAME?
6/20/2019 31 #NAME? #NAME? #NAME? #NAME? #NAME?
7/20/2019 32 #NAME? #NAME? #NAME? #NAME? #NAME?
8/19/2019 33 #NAME? #NAME? #NAME? #NAME? #NAME?
9/18/2019 34 #NAME? #NAME? #NAME? #NAME? #NAME?
10/18/2019 35 #NAME? #NAME? #NAME? #NAME? #NAME?
11/17/2019 36 #NAME? #NAME? #NAME? #NAME? - =REDONDEAR

#NAME? #NAME? #NAME?

2) MÉTODO DE CUOTAS DECRECIENTES O DE AMORTIZACIÓN

CONSTANTE DE CAPITAL: MÉTODO ALEMÁN

MODALIDAD VENCIDA

P 10,000.00
TEA 18.00%
TEM #NAME? Función TE1aTE2
n (meses) 36

(1) (2) (3) (4) (5) (6) (7)

Fecha de pago
Número de Saldo inicial del Cuota mensual Intereses Amortización del Saldo final del
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; Cuota =Int. Int. =S.Ini S.Finalj=S.
1 j
bolso; ta. 0; j
Amort. =$
S.Inic.j=S. j + c.j x i Inic.j -
F.Desb. Adelantad P$/$N$
+30 días) a=Cta. 1 Final j-1
Amort. j $TEM$ Amort.j

1/1/2017 0 REFERENCIAL (NO EXISTE)

1/31/2017 1 10,000.00 416.66 138.88 277.78 9,722.22
3/2/2017 2 9,722.22 412.80 135.03 277.78 9,444.44
4/1/2017 3 9,444.44 #NAME? #NAME? 277.78 9,166.67
5/1/2017 4 9,166.67 #NAME? #NAME? 277.78 8,888.89
5/31/2017 5 8,888.89 #NAME? #NAME? 277.78 8,611.11
 6/30/2017 6 8,611.11 #NAME? #NAME? 277.78 8,333.33
7/30/2017 7 8,333.33 #NAME? #NAME? 277.78 8,055.56
8/29/2017 8 8,055.56 #NAME? #NAME? 277.78 7,777.78
9/28/2017 9 7,777.78 #NAME? #NAME? 277.78 7,500.00
10/28/2017 10 7,500.00 #NAME? #NAME? 277.78 7,222.22
11/27/2017 11 7,222.22 #NAME? #NAME? 277.78 6,944.44
12/27/2017 12 6,944.44 #NAME? #NAME? 277.78 6,666.67
1/26/2018 13 6,666.67 #NAME? #NAME? 277.78 6,388.89
2/25/2018 14 6,388.89 #NAME? #NAME? 277.78 6,111.11
3/27/2018 15 6,111.11 #NAME? #NAME? 277.78 5,833.33
4/26/2018 16 5,833.33 #NAME? #NAME? 277.78 5,555.56
5/26/2018 17 5,555.56 #NAME? #NAME? 277.78 5,277.78
6/25/2018 18 5,277.78 #NAME? #NAME? 277.78 5,000.00
7/25/2018 19 5,000.00 #NAME? #NAME? 277.78 4,722.22
8/24/2018 20 4,722.22 #NAME? #NAME? 277.78 4,444.44
9/23/2018 21 4,444.44 #NAME? #NAME? 277.78 4,166.67
10/23/2018 22 4,166.67 #NAME? #NAME? 277.78 3,888.89
11/22/2018 23 3,888.89 #NAME? #NAME? 277.78 3,611.11
12/22/2018 24 3,611.11 #NAME? #NAME? 277.78 3,333.33
1/21/2019 25 3,333.33 #NAME? #NAME? 277.78 3,055.56
2/20/2019 26 3,055.56 #NAME? #NAME? 277.78 2,777.78
3/22/2019 27 2,777.78 #NAME? #NAME? 277.78 2,500.00
4/21/2019 28 2,500.00 #NAME? #NAME? 277.78 2,222.22
5/21/2019 29 2,222.22 #NAME? #NAME? 277.78 1,944.44
6/20/2019 30 1,944.44 #NAME? #NAME? 277.78 1,666.67
7/20/2019 31 1,666.67 #NAME? #NAME? 277.78 1,388.89
8/19/2019 32 1,388.89 #NAME? #NAME? 277.78 1,111.11
9/18/2019 33 1,111.11 #NAME? #NAME? 277.78 833.33
10/18/2019 34 833.33 #NAME? #NAME? 277.78 555.56
11/17/2019 35 555.56 #NAME? #NAME? 277.78 277.78
12/17/2019 36 277.78 #NAME? #NAME? 277.78 - =REDONDEAR

MÉTODO ALEMÁN #NAME? #NAME? 10,000.00

MÉTODO FRANCÉS 2,775.24

3) MÉTODO DE AMORTIZACIÓN DEL CAPITAL EN LA ÚLTIMA CUOTA: MÉTODO AMERIC

MODALIDAD VENCIDA

P 10,000.00
TEA 18.00%
TEM #NAME? Función TE1aTE2
n (meses) 36

(1) (2) (3) (4) (5) (6) (7)

Fecha de pago
Número de Saldo inicial del Cuota mensual Intereses Amortización del Saldo final del
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; Cuota =Int. Int. =S.Ini Amort. =0 S.Final =S.
1 j j j j
bolso; ta. 0; S.Inic.j=S. j + c.j Inic.j -
x (j<n);
F.Desb. Adelantad
Final Amort. $TEM$ Amort.n=P Amort.j
+30 días) a=Cta. 1 j-1 j

1/1/2017 0 REFERENCIAL (NO EXISTE)

1/31/2017 1 10,000.00 138.88 138.88 - 10,000.00
3/2/2017 2 10,000.00 138.88 138.88 - 10,000.00
4/1/2017 3 10,000.00 #NAME? #NAME? - 10,000.00
5/1/2017 4 10,000.00 #NAME? #NAME? - 10,000.00
5/31/2017 5 10,000.00 #NAME? #NAME? - 10,000.00
6/30/2017 6 10,000.00 #NAME? #NAME? - 10,000.00
7/30/2017 7 10,000.00 #NAME? #NAME? - 10,000.00
8/29/2017 8 10,000.00 #NAME? #NAME? - 10,000.00
9/28/2017 9 10,000.00 #NAME? #NAME? - 10,000.00
10/28/2017 10 10,000.00 #NAME? #NAME? - 10,000.00
11/27/2017 11 10,000.00 #NAME? #NAME? - 10,000.00
12/27/2017 12 10,000.00 #NAME? #NAME? - 10,000.00
1/26/2018 13 10,000.00 #NAME? #NAME? - 10,000.00
2/25/2018 14 10,000.00 #NAME? #NAME? - 10,000.00
3/27/2018 15 10,000.00 #NAME? #NAME? - 10,000.00
4/26/2018 16 10,000.00 #NAME? #NAME? - 10,000.00
5/26/2018 17 10,000.00 #NAME? #NAME? - 10,000.00
6/25/2018 18 10,000.00 #NAME? #NAME? - 10,000.00
 7/25/2018 19 10,000.00 #NAME? #NAME? - 10,000.00
8/24/2018 20 10,000.00 #NAME? #NAME? - 10,000.00
9/23/2018 21 10,000.00 #NAME? #NAME? - 10,000.00
10/23/2018 22 10,000.00 #NAME? #NAME? - 10,000.00
11/22/2018 23 10,000.00 #NAME? #NAME? - 10,000.00
12/22/2018 24 10,000.00 #NAME? #NAME? - 10,000.00
1/21/2019 25 10,000.00 #NAME? #NAME? - 10,000.00
2/20/2019 26 10,000.00 #NAME? #NAME? - 10,000.00
3/22/2019 27 10,000.00 #NAME? #NAME? - 10,000.00
4/21/2019 28 10,000.00 #NAME? #NAME? - 10,000.00
5/21/2019 29 10,000.00 #NAME? #NAME? - 10,000.00
6/20/2019 30 10,000.00 #NAME? #NAME? - 10,000.00
7/20/2019 31 10,000.00 #NAME? #NAME? - 10,000.00
8/19/2019 32 10,000.00 #NAME? #NAME? - 10,000.00
9/18/2019 33 10,000.00 #NAME? #NAME? - 10,000.00
10/18/2019 34 10,000.00 #NAME? #NAME? - 10,000.00
11/17/2019 35 10,000.00 #NAME? #NAME? - 10,000.00
12/17/2019 36 10,000.00 #NAME? #NAME? 10,000.00 -

#NAME? #NAME? 10,000.00

4) MÉTODO DE CUOTAS CRECIENTES O DE AMORTIZACIÓN DEL CAPITAL POR FACTOR

MODALIDAD VENCIDA

P 10,000.00
TEA 18.00%
TEM #NAME? Función TE1aTE2
n (meses) 36
∑ Nº Ctas. 666.00

(1) (2) (3) (4) (5) (6) (7) (8)

Número de Saldo inicial del Cuota mensual
Fecha de pago Intereses Amortización del Saldo final del Factor
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; Cuota =Int. Int. =S.Ini Amort. =$ S.Final =S. Nº de
1 j j j j
bolso; ta. 0; S.Inic.j=S. j + c.j - Cta./
x P$ x Inic.j
F.Desb. Adelantad $∑ Nº
Finalj-1 Amort.j $TEM$ Factor Amort.j Ctas.$
+30 días) a=Cta. 1 j

1/1/2017 0 REFERENCIAL (NO EXISTE)

1 10,000.00 153.90 138.88 15.02 9,984.98 0.00150
2 9,984.98 168.71 138.68 30.03 9,954.95 0.00300
3 9,954.95 #NAME? #NAME? 45.05 9,909.91 0.00450
4 9,909.91 #NAME? #NAME? 60.06 9,849.85 0.00601
5 9,849.85 #NAME? #NAME? 75.08 9,774.77 0.00751
6 9,774.77 #NAME? #NAME? 90.09 9,684.68 0.00901
7 9,684.68 #NAME? #NAME? 105.11 9,579.58 0.01051
8 9,579.58 #NAME? #NAME? 120.12 9,459.46 0.01201
9 9,459.46 #NAME? #NAME? 135.14 9,324.32 0.01351
10 9,324.32 #NAME? #NAME? 150.15 9,174.17 0.01502
11 9,174.17 #NAME? #NAME? 165.17 9,009.01 0.01652
12 9,009.01 #NAME? #NAME? 180.18 8,828.83 0.01802
13 8,828.83 #NAME? #NAME? 195.20 8,633.63 0.01952
14 8,633.63 #NAME? #NAME? 210.21 8,423.42 0.02102
15 8,423.42 #NAME? #NAME? 225.23 8,198.20 0.02252
16 8,198.20 #NAME? #NAME? 240.24 7,957.96 0.02402
17 7,957.96 #NAME? #NAME? 255.26 7,702.70 0.02553
18 7,702.70 #NAME? #NAME? 270.27 7,432.43 0.02703
19 7,432.43 #NAME? #NAME? 285.29 7,147.15 0.02853
20 7,147.15 #NAME? #NAME? 300.30 6,846.85 0.03003
21 6,846.85 #NAME? #NAME? 315.32 6,531.53 0.03153
22 6,531.53 #NAME? #NAME? 330.33 6,201.20 0.03303
23 6,201.20 #NAME? #NAME? 345.35 5,855.86 0.03453
24 5,855.86 #NAME? #NAME? 360.36 5,495.50 0.03604
25 5,495.50 #NAME? #NAME? 375.38 5,120.12 0.03754
26 5,120.12 #NAME? #NAME? 390.39 4,729.73 0.03904
27 4,729.73 #NAME? #NAME? 405.41 4,324.32 0.04054
28 4,324.32 #NAME? #NAME? 420.42 3,903.90 0.04204
29 3,903.90 #NAME? #NAME? 435.44 3,468.47 0.04354
30 3,468.47 #NAME? #NAME? 450.45 3,018.02 0.04505
31 3,018.02 #NAME? #NAME? 465.47 2,552.55 0.04655
 32 2,552.55 #NAME? #NAME? 480.48 2,072.07 0.04805
33 2,072.07 #NAME? #NAME? 495.50 1,576.58 0.04955
34 1,576.58 #NAME? #NAME? 510.51 1,066.07 0.05105
35 1,066.07 #NAME? #NAME? 525.53 540.54 0.05255
36 540.54 #NAME? #NAME? 540.54 - 0.05405

#NAME? #NAME? 10,000.00

5) CRONOGRAMA DE PAGOS DE CUOTAS IGUALES CON CUOTAS ESPECIALES:

El Sr. Gonzales desea financiar a 36 meses la adquisición de un automóvil valorizado en US$60,000 y conviene con el banco en
que es capaz de pagar en las cuotas de julio y diciembre, cuota y media y doble cuota respectivamente. Si el banco cobra por este
tipo de créditos una tasa efectiva anual de 5%, elaborar el cronograma de pagos respectivo bajo el sistema de cuotas iguales
vencidas si el desembolso se efectúa el 11/07/2015.

Uso de la función Buscar Objetivo para cuadrar el cronograma de pagos:

MODALIDAD VENCIDA

P 60,000.00 Cuotas incrementales a incorporar

TEA 5.00% Julio cuotas
TEM #NAME? Función TE1aTE2 Diciembre cuotas
n (meses) 36
Tipo 0
Cuota (R) 1,615.19 Función =-PAGO

(1) (2) (3) (4) (5) (6) (7)

Fecha de pago
Número de Saldo inicial del Cuota mensual Intereses Amortización del Saldo final del
cuota capital capital capital
(F.Desem Vencida=C S.Inic. =P; =$Cuota$ Int. =S.Ini Amort. =C S.Final =S.
1 j j
bolso; ta. 0; (fijar j
S.Inic.j=S. c.j x uotaj - Inic.j -
F.Desb. Adelantad cuota con
+30 días) a=Cta. 1 Final j-1 F4) $TEM$ Int. j
Amort. j

7/11/2015 0 REFERENCIAL (NO EXISTE)

8/10/2015 1 60,000.00 1,615.19 244.45 1,370.74 58,629.26
9/9/2015 2 58,629.26 1,615.19 238.86 1,376.32 57,252.94
10/9/2015 3 57,252.94 1,615.19 #NAME? #NAME? #NAME?
11/8/2015 4 #NAME? 1,615.19 #NAME? #NAME? #NAME?
12/8/2015 5 #NAME? 3,230.37 #NAME? #NAME? #NAME?
1/7/2016 6 #NAME? 1,615.19 #NAME? #NAME? #NAME?
2/6/2016 7 #NAME? 1,615.19 #NAME? #NAME? #NAME?
3/7/2016 8 #NAME? 1,615.19 #NAME? #NAME? #NAME?
4/6/2016 9 #NAME? 1,615.19 #NAME? #NAME? #NAME?
5/6/2016 10 #NAME? 1,615.19 #NAME? #NAME? #NAME?
6/5/2016 11 #NAME? 1,615.19 #NAME? #NAME? #NAME?
7/5/2016 12 #NAME? 2,422.78 #NAME? #NAME? #NAME?
8/4/2016 13 #NAME? 1,615.19 #NAME? #NAME? #NAME?
9/3/2016 14 #NAME? 1,615.19 #NAME? #NAME? #NAME?
10/3/2016 15 #NAME? 1,615.19 #NAME? #NAME? #NAME?
11/2/2016 16 #NAME? 1,615.19 #NAME? #NAME? #NAME?
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1/1/2017 18 #NAME? 1,615.19 #NAME? #NAME? #NAME?
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3/2/2017 20 #NAME? 1,615.19 #NAME? #NAME? #NAME?
4/1/2017 21 #NAME? 1,615.19 #NAME? #NAME? #NAME?
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8/29/2017 26 #NAME? 1,615.19 #NAME? #NAME? #NAME?
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10/28/2017 28 #NAME? 1,615.19 #NAME? #NAME? #NAME?
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2/25/2018 32 #NAME? 1,615.19 #NAME? #NAME? #NAME?
3/27/2018 33 #NAME? 1,615.19 #NAME? #NAME? #NAME?
4/26/2018 34 #NAME? 1,615.19 #NAME? #NAME? #NAME?
5/26/2018 35 #NAME? 1,615.19 #NAME? #NAME? #NAME?
6/25/2018 36 #NAME? 1,615.19 #NAME? #NAME? - =REDONDEAR

64,607.48 #NAME? #NAME?

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