Capital 10,000.

00
TEM 2%
Nper 12 Meses

N° Amortización Interes Saldo Amort. Acumulado A.

10,000.00
1 745.60 200.00 9,254.40 745.60
2 760.51 185.09 8,493.90 1,506.10
3 775.72 169.88 7,718.18 2,281.82
4 791.23 154.36 6,926.95 3,073.05
5 807.06 138.54 6,119.89 3,880.11
6 823.20 122.40 5,296.69 4,703.31
7 839.66 105.93 4,457.03 5,542.97
8 856.46 89.14 3,600.57 6,399.43
9 873.58 72.01 2,726.99 7,273.01
10 891.06 54.54 1,835.93 8,164.07
11 908.88 36.72 927.05 9,072.95
12 927.05 18.54 0.00 10,000.00
10,000.00 1,347.15
Pago

945.60
945.60
945.60
945.60
945.60
945.60
945.60
945.60
945.60
945.60
945.60
945.60
11,347.15
Capital 10,000.00
TEM 2% 0.005 0.062
Nper 12 Meses

MÉTODO ALEMAN

N° Amortización Interes Saldo Amort. Acumulado A. Pago

10,000.00
1 833.33 200.00 9,166.67 833.33 1,033.33
2 833.33 183.33 8,333.33 1,666.67 1,016.67
3 833.33 166.67 7,500.00 2,500.00 1,000.00
4 833.33 150.00 6,666.67 3,333.33 983.33
5 833.33 133.33 5,833.33 4,166.67 966.67
6 833.33 116.67 5,000.00 5,000.00 950.00
7 833.33 100.00 4,166.67 5,833.33 933.33
8 833.33 83.33 3,333.33 6,666.67 916.67
9 833.33 66.67 2,500.00 7,500.00 900.00
10 833.33 50.00 1,666.67 8,333.33 883.33
11 833.33 33.33 833.33 9,166.67 866.67
12 833.33 16.67 0.00 10,000.00 850.00
10,000.00 1,300.00 11,300.00
Capital 10,000.00
TEM 2%
Nper 12 Meses

MÉTODO AMERICANO

N° Amortización Interes Saldo Amort. Acumulado A. Pago

10,000.00
1 0.00 200.00 10,000.00 0.00 200.00
2 0.00 200.00 10,000.00 0.00 200.00
3 0.00 200.00 10,000.00 0.00 200.00
4 0.00 200.00 10,000.00 0.00 200.00
5 0.00 200.00 10,000.00 0.00 200.00
6 0.00 200.00 10,000.00 0.00 200.00
7 0.00 200.00 10,000.00 0.00 200.00
8 0.00 200.00 10,000.00 0.00 200.00
9 0.00 200.00 10,000.00 0.00 200.00
10 0.00 200.00 10,000.00 0.00 200.00
11 0.00 200.00 10,000.00 0.00 200.00
12 10,000.00 200.00 0.00 10,000.00 10,200.00
10,000.00 2,400.00 12,400.00
Capital 90,000.00
TEA 22%
Nper 5 Años
N° pagos al año 4
TET 5.10% Trimestral

N° Amortización Interes Saldo Amort. Acumulado A. Pago

0 90,000.00
1 0.00 4,587.22 90,000.00 0.00 4,587.22
2 0.00 4,587.22 90,000.00 0.00 4,587.22
3 3,170.34 4,587.22 86,829.66 3,170.34 7,757.56
4 3,331.93 4,425.63 83,497.73 6,502.27 7,757.56
5 3,501.76 4,255.81 79,995.97 10,004.03 7,757.56
6 3,680.24 4,077.32 76,315.73 13,684.27 7,757.56
7 3,867.82 3,889.75 72,447.92 17,552.08 7,757.56
8 4,064.96 3,692.61 68,382.96 21,617.04 7,757.56
9 4,272.14 3,485.42 64,110.82 25,889.18 7,757.56
10 4,489.89 3,267.67 59,620.93 30,379.07 7,757.56
11 4,718.74 3,038.83 54,902.19 35,097.81 7,757.56
12 4,959.25 2,798.32 49,942.94 40,057.06 7,757.56
13 5,212.01 2,545.55 44,730.93 45,269.07 7,757.56
14 5,477.67 2,279.90 39,253.26 50,746.74 7,757.56
15 5,756.86 2,000.70 33,496.40 56,503.60 7,757.56
16 6,050.28 1,707.28 27,446.12 62,553.88 7,757.56
17 6,358.66 1,398.90 21,087.46 68,912.54 7,757.56
18 6,682.75 1,074.81 14,404.71 75,595.29 7,757.56
19 7,023.37 734.20 7,381.34 82,618.66 7,757.56
20 7,381.34 376.22 0.00 90,000.00 7,757.56
90,000.00 58,810.58 148,810.58
Capital 90,000.00
TEA 22%
Nper 5 Años
N° pagos al año 4
TET 5.10% Trimestral

N° Amortización Interes Saldo Amort. Acumulado A. Pago

0 90,000.00
1 0.00 0.00 94,587.22 0.00 0.00
2 0.00 0.00 94,821.03 0.00 0.00
3 3,340.17 4,832.94 91,480.86 3,340.17 8,173.11
4 3,510.41 4,662.70 87,970.45 6,850.58 8,173.11
5 3,689.34 4,483.78 84,281.11 10,539.92 8,173.11
6 3,877.38 4,295.73 80,403.74 14,417.29 8,173.11
7 4,075.00 4,098.11 76,328.73 18,492.30 8,173.11
8 4,282.70 3,890.41 72,046.03 22,775.00 8,173.11
9 4,500.99 3,672.12 67,545.04 27,275.99 8,173.11
10 4,730.40 3,442.71 62,814.64 32,006.39 8,173.11
11 4,971.50 3,201.61 57,843.13 36,977.90 8,173.11
12 5,224.90 2,948.21 52,618.23 42,202.79 8,173.11
13 5,491.21 2,681.91 47,127.03 47,694.00 8,173.11
14 5,771.09 2,402.02 41,355.94 53,465.09 8,173.11
15 6,065.24 2,107.88 35,290.70 59,530.32 8,173.11
16 6,374.38 1,798.74 28,916.33 65,904.70 8,173.11
17 6,699.27 1,473.84 22,217.05 72,603.97 8,173.11
18 7,040.73 1,132.38 15,176.33 79,644.70 8,173.11
19 7,399.59 773.52 7,776.74 87,044.29 8,173.11
20 7,776.74 396.37 0.00 94,821.03 8,173.11
94,821.03 52,294.99 147,116.02
 TEA1 22.00%
Capital 100,000.00 TEA2 23.00%
Nper 5 Años TEA3 23.50%
N° pagos al año 2 Semestral TEA4 22.50%
TEA5 24.00%

N° Amortización Interes Saldo Amort. Acumulado A.

100,000.00
1 6,139.40 10,453.61 93,860.60 6,139.40
2 6,781.19 9,811.82 87,079.41 12,920.59
3 7,367.97 9,496.33 79,711.44 20,288.56
4 8,171.47 8,692.82 71,539.97 28,460.03
5 9,011.22 7,962.79 62,528.74 37,471.26
6 10,014.22 6,959.80 52,514.52 47,485.48
7 11,202.80 5,608.40 41,311.72 58,688.28
8 12,399.23 4,411.97 28,912.49 71,087.51
9 13,679.57 3,283.10 15,232.92 84,767.08
10 15,232.92 1,729.74 0.00 100,000.00
TES
10.45%
10.91%
11.13%
10.68%
11.36%

Pago TES

16,593.01 10.45%
16,593.01 10.45%
16,864.30 10.91%
16,864.30 10.91%
16,974.02 11.13%
16,974.02 11.13%
16,811.20 10.68%
16,811.20 10.68%
16,962.66 11.36%
16,962.66 11.36%