Prestamo por $500,000 con modelo de pagos fijos

Prestamo $500,000
Periodo (Meses) 48
Tasa Anual 23%
Tasa Mensual 2%
Mensualidad $16,300.92 $16,300.92

M
EN
SU
AL
ID
DA
FI
PERIODO CAPITAL AMORTIZACION INTERES IVA

JA
1 $500,000.00 $6,300.92 $10,000.00 $1,600.00 $17,900.92
2 $493,699.08 $6,426.94 $9,873.98 $1,579.84 $17,880.75
3 $487,272.14 $6,555.47 $9,745.44 $1,559.27 $17,860.19
4 $480,716.67 $6,686.58 $9,614.33 $1,538.29 $17,839.21
5 $474,030.09 $6,820.32 $9,480.60 $1,516.90 $17,817.81
6 $467,209.77 $6,956.72 $9,344.20 $1,495.07 $17,795.99
7 $460,253.05 $7,095.86 $9,205.06 $1,472.81 $17,773.73
8 $453,157.19 $7,237.77 $9,063.14 $1,450.10 $17,751.02
9 $445,919.42 $7,382.53 $8,918.39 $1,426.94 $17,727.86
10 $438,536.89 $7,530.18 $8,770.74 $1,403.32 $17,704.24
11 $431,006.71 $7,680.78 $8,620.13 $1,379.22 $17,680.14
12 $423,325.93 $7,834.40 $8,466.52 $1,354.64 $17,655.56
13 $415,491.53 $7,991.09 $8,309.83 $1,329.57 $17,630.49
14 $407,500.44 $8,150.91 $8,150.01 $1,304.00 $17,604.92
15 $399,349.53 $8,313.93 $7,986.99 $1,277.92 $17,578.84
16 $391,035.60 $8,480.21 $7,820.71 $1,251.31 $17,552.23
17 $382,555.39 $8,649.81 $7,651.11 $1,224.18 $17,525.10
18 $373,905.58 $8,822.81 $7,478.11 $1,196.50 $17,497.42
19 $365,082.77 $8,999.26 $7,301.66 $1,168.26 $17,469.18
20 $356,083.51 $9,179.25 $7,121.67 $1,139.47 $17,440.39
21 $346,904.26 $9,362.83 $6,938.09 $1,110.09 $17,411.01
22 $337,541.43 $9,550.09 $6,750.83 $1,080.13 $17,381.05
23 $327,991.34 $9,741.09 $6,559.83 $1,049.57 $17,350.49
24 $318,250.25 $9,935.91 $6,365.01 $1,018.40 $17,319.32
25 $308,314.34 $10,134.63 $6,166.29 $986.61 $17,287.52
26 $298,179.71 $10,337.32 $5,963.59 $954.18 $17,255.09
27 $287,842.39 $10,544.07 $5,756.85 $921.10 $17,222.01
28 $277,298.32 $10,754.95 $5,545.97 $887.35 $17,188.27
29 $266,543.37 $10,970.05 $5,330.87 $852.94 $17,153.86
30 $255,573.32 $11,189.45 $5,111.47 $817.83 $17,118.75
31 $244,383.87 $11,413.24 $4,887.68 $782.03 $17,082.95
32 $232,970.63 $11,641.51 $4,659.41 $745.51 $17,046.42
33 $221,329.12 $11,874.34 $4,426.58 $708.25 $17,009.17
34 $209,454.78 $12,111.82 $4,189.10 $670.26 $16,971.17
35 $197,342.96 $12,354.06 $3,946.86 $631.50 $16,932.42
 36 $184,988.90 $12,601.14 $3,699.78 $591.96 $16,892.88
37 $172,387.76 $12,853.16 $3,447.76 $551.64 $16,852.56
38 $159,534.60 $13,110.23 $3,190.69 $510.51 $16,811.43
39 $146,424.37 $13,372.43 $2,928.49 $468.56 $16,769.48
40 $133,051.94 $13,639.88 $2,661.04 $425.77 $16,726.68
41 $119,412.06 $13,912.68 $2,388.24 $382.12 $16,683.04
42 $105,499.38 $14,190.93 $2,109.99 $337.60 $16,638.52
43 $91,308.45 $14,474.75 $1,826.17 $292.19 $16,593.10
44 $76,833.70 $14,764.24 $1,536.67 $245.87 $16,546.79
45 $62,069.46 $15,059.53 $1,241.39 $198.62 $16,499.54
46 $47,009.93 $15,360.72 $940.20 $150.43 $16,451.35
47 $31,649.21 $15,667.93 $632.98 $101.28 $16,402.20
48 $15,981.28 $15,981.29 $319.63 $51.14 $16,352.06
TOTALES $500,000.00 $282,444.05 $45,191.05 $827,635.10
DA
D
FI

SALDO
JA

$493,699.08
$487,272.14
$480,716.67
$474,030.09
$467,209.77
$460,253.05
$453,157.19
$445,919.42
$438,536.89
$431,006.71
$423,325.93
$415,491.53
$407,500.44
$399,349.53
$391,035.60
$382,555.39
$373,905.58
$365,082.77
$356,083.51
$346,904.26
$337,541.43
$327,991.34
$318,250.25
$308,314.34
$298,179.71
$287,842.39
$277,298.32
$266,543.37
$255,573.32
$244,383.87
$232,970.63
$221,329.12
$209,454.78
$197,342.96
$184,988.90
$172,387.76
$159,534.60
$146,424.37
$133,051.94
$119,412.06
$105,499.38
$91,308.45
$76,833.70
$62,069.46
$47,009.93
$31,649.21
$15,981.28
-$0.01
 PRESTAMO POR $500,000 CON MODELO DE SALDOS INSOLUTOS
Prestamo $500,000
Periodo (meses) 48
Tasa Anual 23%
Tasa Mensual 2%

Periodo Capital Amortizacion Interes IVA Mensualidad Saldo

1 $500,000 $10,417 $10,000 $1,600 $22,017 $489,583
2 $489,583 $10,417 $9,792 $1,567 $21,775 $479,166
3 $479,166 $10,417 $9,583 $1,533 $21,534 $468,749
4 $468,749 $10,417 $9,375 $1,500 $21,292 $458,332
5 $458,332 $10,417 $9,167 $1,467 $21,050 $447,915
6 $447,915 $10,417 $8,958 $1,433 $20,809 $437,498
7 $437,498 $10,417 $8,750 $1,400 $20,567 $427,081
8 $427,081 $10,417 $8,542 $1,367 $20,325 $416,664
9 $416,664 $10,417 $8,333 $1,333 $20,084 $406,247
10 $406,247 $10,417 $8,125 $1,300 $19,842 $395,830
11 $395,830 $10,417 $7,917 $1,267 $19,600 $385,413
12 $385,413 $10,417 $7,708 $1,233 $19,359 $374,996
13 $374,996 $10,417 $7,500 $1,200 $19,117 $364,579
14 $364,579 $10,417 $7,292 $1,167 $18,875 $354,162
15 $354,162 $10,417 $7,083 $1,133 $18,634 $343,745
16 $343,745 $10,417 $6,875 $1,100 $18,392 $333,328
17 $333,328 $10,417 $6,667 $1,067 $18,150 $322,911
18 $322,911 $10,417 $6,458 $1,033 $17,909 $312,494
19 $312,494 $10,417 $6,250 $1,000 $17,667 $302,077
20 $302,077 $10,417 $6,042 $967 $17,425 $291,660
21 $291,660 $10,417 $5,833 $933 $17,184 $281,243
22 $281,243 $10,417 $5,625 $900 $16,942 $270,826
23 $270,826 $10,417 $5,417 $867 $16,700 $260,409
24 $260,409 $10,417 $5,208 $833 $16,458 $249,992
25 $249,992 $10,417 $5,000 $800 $16,217 $239,575
26 $239,575 $10,417 $4,792 $767 $15,975 $229,158
27 $229,158 $10,417 $4,583 $733 $15,733 $218,741
28 $218,741 $10,417 $4,375 $700 $15,492 $208,324
29 $208,324 $10,417 $4,166 $667 $15,250 $197,907
30 $197,907 $10,417 $3,958 $633 $15,008 $187,490
31 $187,490 $10,417 $3,750 $600 $14,767 $177,073
32 $177,073 $10,417 $3,541 $567 $14,525 $166,656
33 $166,656 $10,417 $3,333 $533 $14,283 $156,239
34 $156,239 $10,417 $3,125 $500 $14,042 $145,822
35 $145,822 $10,417 $2,916 $467 $13,800 $135,405
36 $135,405 $10,417 $2,708 $433 $13,558 $124,988
37 $124,988 $10,417 $2,500 $400 $13,317 $114,571
38 $114,571 $10,417 $2,291 $367 $13,075 $104,154
39 $104,154 $10,417 $2,083 $333 $12,833 $93,737
40 $93,737 $10,417 $1,875 $300 $12,592 $83,320
 41 $83,320 $10,417 $1,666 $267 $12,350 $72,903
42 $72,903 $10,417 $1,458 $233 $12,108 $62,486
43 $62,486 $10,417 $1,250 $200 $11,867 $52,069
44 $52,069 $10,417 $1,041 $167 $11,625 $41,652
45 $41,652 $10,417 $833 $133 $11,383 $31,235
46 $31,235 $10,417 $625 $100 $11,142 $20,818
47 $20,818 $10,417 $416 $67 $10,900 $10,401
48 $10,401 $10,417 $208 $33 $10,659 -$16
TOTAL $500,016 $244,993 $39,199 $784,207
 Prestamo por $500,000 con modelo de pagos fijos
Prestamo $500,000
Periodo (meses) 36
Tasa Anual 35%
Tasa Mensual 3%
Mensualidad $22,901.90 $22,901.90

JA
FI
AD
LID
UA
SA
EN
PERIODO CAPITAL AMORTIZACIONES INTERES IVA

M
1 $500,000.00 $7,901.90 $15,000.00 $2,400.00 $25,301.90
2 $492,098.10 $8,138.95 $14,762.94 $2,362.07 $25,263.97
3 $483,959.15 $8,383.12 $14,518.77 $2,323.00 $25,224.90
4 $475,576.03 $8,634.62 $14,267.28 $2,282.76 $25,184.66
5 $466,941.41 $8,893.65 $14,008.24 $2,241.32 $25,143.22
6 $458,047.76 $9,160.46 $13,741.43 $2,198.63 $25,100.53
7 $448,887.30 $9,435.28 $13,466.62 $2,154.66 $25,056.56
8 $439,452.02 $9,718.34 $13,183.56 $2,109.37 $25,011.27
9 $429,733.68 $10,009.89 $12,892.01 $2,062.72 $24,964.62
10 $419,723.79 $10,310.18 $12,591.71 $2,014.67 $24,916.57
11 $409,413.61 $10,619.49 $12,282.41 $1,965.19 $24,867.08
12 $398,794.12 $10,938.07 $11,963.82 $1,914.21 $24,816.11
13 $387,856.05 $11,266.22 $11,635.68 $1,861.71 $24,763.61
14 $376,589.83 $11,604.20 $11,297.69 $1,807.63 $24,709.53
15 $364,985.63 $11,952.33 $10,949.57 $1,751.93 $24,653.83
16 $353,033.30 $12,310.90 $10,591.00 $1,694.56 $24,596.46
17 $340,722.40 $12,680.23 $10,221.67 $1,635.47 $24,537.36
18 $328,042.17 $13,060.63 $9,841.27 $1,574.60 $24,476.50
19 $314,981.54 $13,452.45 $9,449.45 $1,511.91 $24,413.81
20 $301,529.09 $13,856.02 $9,045.87 $1,447.34 $24,349.24
21 $287,673.07 $14,271.70 $8,630.19 $1,380.83 $24,282.73
22 $273,401.37 $14,699.86 $8,202.04 $1,312.33 $24,214.22
23 $258,701.51 $15,140.85 $7,761.05 $1,241.77 $24,143.66
24 $243,560.66 $15,595.08 $7,306.82 $1,169.09 $24,070.99
25 $227,965.58 $16,062.93 $6,838.97 $1,094.23 $23,996.13
26 $211,902.65 $16,544.82 $6,357.08 $1,017.13 $23,919.03
27 $195,357.83 $17,041.16 $5,860.73 $937.72 $23,839.61
28 $178,316.67 $17,552.40 $5,349.50 $855.92 $23,757.82
29 $160,764.27 $18,078.97 $4,822.93 $771.67 $23,673.57
30 $142,685.30 $18,621.34 $4,280.56 $684.89 $23,586.79
31 $124,063.96 $19,179.98 $3,721.92 $595.51 $23,497.40
32 $104,883.98 $19,755.38 $3,146.52 $503.44 $23,405.34
33 $85,128.60 $20,348.04 $2,553.86 $408.62 $23,310.51
34 $64,780.56 $20,958.48 $1,943.42 $310.95 $23,212.84
 35 $43,822.08 $21,587.23 $1,314.66 $210.35 $23,112.24
36 $22,234.85 $22,234.85 $667.05 $106.73 $23,008.62
TOTAL $500,000.00 $324,468.30 $51,914.93 $876,383.22
 JA
FI
AD
LID

SALDO
$492,098.10
$483,959.15
$475,576.03
$466,941.41
$458,047.76
$448,887.30
$439,452.02
$429,733.68
$419,723.79
$409,413.61
$398,794.12
$387,856.05
$376,589.83
$364,985.63
$353,033.30
$340,722.40
$328,042.17
$314,981.54
$301,529.09
$287,673.07
$273,401.37
$258,701.51
$243,560.66
$227,965.58
$211,902.65
$195,357.83
$178,316.67
$160,764.27
$142,685.30
$124,063.96
$104,883.98
$85,128.60
$64,780.56
$43,822.08
$22,234.85
$0.00
 Prestamo por $500,000 con modelo de Saldos Insolutos
Prestamo $500,000
Periodo (meses) 36
Tasa Anual 35%
Tasa mensual 3%

Periodo Capital Amortizacion Interes IVA Mensualidad Saldo

1 $ 500,000 $ 13,889 $15,000.00 $2,400.00 $31,288.89 $486,111.11
2 $ 486,111 $ 13,889 $14,583.33 $2,333.28 $30,805.61 $472,222.00
3 $ 472,222 $ 13,889 $14,166.66 $2,266.72 $30,322.27 $458,333.11
4 $ 458,333 $ 13,889 $13,749.99 $2,200.00 $29,838.88 $444,444.11
5 $ 444,444 $ 13,889 $13,333.32 $2,133.28 $29,355.49 $430,555.11
6 $ 430,555 $ 13,889 $12,916.65 $2,066.72 $28,872.26 $416,666.11
7 $ 416,666 $ 13,889 $12,499.98 $2,000.00 $28,388.87 $402,777.11
8 $ 402,777 $ 13,889 $12,083.31 $1,933.33 $27,905.53 $388,888.11
9 $ 388,888 $ 13,889 $11,666.64 $1,866.66 $27,422.19 $374,999.11
10 $ 374,999 $ 13,889 $11,249.97 $1,800.00 $26,938.85 $361,110.11
11 $ 361,110 $ 13,889 $10,833.30 $1,733.33 $26,455.52 $347,221.11
12 $ 347,221 $ 13,889 $10,416.63 $1,666.66 $25,972.18 $333,332.11
13 $ 333,332 $ 13,889 $9,999.96 $1,599.99 $25,488.84 $319,443.11
14 $ 319,443 $ 13,889 $9,583.29 $1,533.33 $25,005.51 $305,554.11
15 $ 305,554 $ 13,889 $9,166.62 $1,466.66 $24,522.17 $291,665.11
16 $ 291,665 $ 13,889 $8,749.95 $1,399.99 $24,038.83 $277,776.11
17 $ 277,776 $ 13,889 $8,333.28 $1,333.32 $23,555.49 $263,887.11
18 $ 263,887 $ 13,889 $7,916.61 $1,266.66 $23,072.16 $249,998.11
19 $ 249,998 $ 13,889 $7,499.94 $1,199.99 $22,588.82 $236,109.11
20 $ 236,109 $ 13,889 $7,083.27 $1,133.32 $22,105.48 $222,220.11
21 $ 222,220 $ 13,889 $6,666.60 $1,066.66 $21,622.14 $208,331.11
22 $ 208,331 $ 13,889 $6,249.93 $999.99 $21,138.81 $194,442.11
23 $ 194,442 $ 13,889 $5,833.26 $933.32 $20,655.47 $180,553.11
24 $ 180,553 $ 13,889 $5,416.59 $866.65 $20,172.13 $166,664.11
25 $ 166,664 $ 13,889 $4,999.92 $799.99 $19,688.80 $152,775.11
26 $ 152,775 $ 13,889 $4,583.25 $733.32 $19,205.46 $138,886.11
27 $ 138,886 $ 13,889 $4,166.58 $666.65 $18,722.12 $124,997.11
28 $ 124,997 $ 13,889 $3,749.91 $599.99 $18,238.78 $111,108.11
29 $ 111,108 $ 13,889 $3,333.24 $533.32 $17,755.45 $97,219.11
30 $ 97,219 $ 13,889 $2,916.57 $466.65 $17,272.11 $83,330.11
31 $ 83,330 $ 13,889 $2,499.90 $399.98 $16,788.77 $69,441.11
32 $ 69,441 $ 13,889 $2,083.23 $333.32 $16,305.44 $55,552.11
33 $ 55,552 $ 13,889 $1,666.56 $266.65 $15,822.10 $41,663.11
34 $ 41,663 $ 13,889 $1,249.89 $199.98 $15,338.87 $27,774.00
35 $ 27,774 $ 13,889 $833.22 $133.32 $14,855.54 $13,885.00
36 $ 13,885 $ 13,889 $416.55 $66.65 $14,372.20 -$4.00
TOTAL $ 500,000 $277,497.90 $44,399.68 $821,898.02