VP imensual (r=20%) n (meses) A VF

C$0.00 20.00% 6 -C$151,058.62 C$ 1,500,000.00 Proyectado

por la UNI
C$0.00 75.72% 6 -C$39,937.72 C$ 1,500,000.00

Cuenta de ahorro
Interés $
Amortización $
(Ganancia por
Período Pago anual $ (Depósito+Intere Saldo $
la cuenta de
s)
ahorro)
0 C$0.00 C$0.00 C$0.00 C$0.00
1 C$151,058.62 C$0.00 C$151,058.62 C$151,058.62
2 C$151,058.62 C$30,211.72 C$181,270.34 C$332,328.96
3 C$151,058.62 C$66,465.79 C$217,524.41 C$549,853.37
4 C$151,058.62 C$109,970.67 C$261,029.29 C$810,882.67
5 C$151,058.62 C$162,176.53 C$313,235.15 C$1,124,117.82
6 C$151,058.62 C$224,823.56 C$375,882.18 C$1,500,000.00
TOTAL C$906,351.71 C$593,648.29 C$1,500,000.00
 Cuenta de ahorro

Interés $ Amortización $
Período Pago anual $ (Ganancia por la (Depósito+Inter Saldo $
cuenta de ahorro) es)

0 0 C$0.00 0 C$0.00
1 C$39,937.72 C$0.00 C$39,937.72 C$39,937.72
2 C$39,937.72 C$30,240.84 C$70,178.56 C$110,116.29
3 C$39,937.72 C$83,380.05 C$123,317.77 C$233,434.06
4 C$39,937.72 C$176,756.27 C$216,693.99 C$450,128.05
5 C$39,937.72 C$340,836.96 C$380,774.68 C$830,902.73
6 C$39,937.72 C$629,159.55 C$669,097.27 C$1,500,000.00
TOTAL C$239,626.33 C$1,260,373.67 C$1,500,000.00
 VP r (anual) n (años) A VF
$27,500.00 9% 10 -$4,285.05 0

Pago de préstamo para vivienda

Interés $ (Se Amortización $
Período Pago anual $ paga al (pago al Saldo $
prestatario) principal)
0 $0.00 $0.00 $0.00 $27,500.00
1 $4,285.05 $2,475.00 $1,810.05 $25,689.95
2 $4,285.05 $2,312.10 $1,972.96 $23,716.99
3 $4,285.05 $2,134.53 $2,150.52 $21,566.47
4 $4,285.05 $1,940.98 $2,344.07 $19,222.40
5 $4,285.05 $1,730.02 $2,555.04 $16,667.36
6 $4,285.05 $1,500.06 $2,784.99 $13,882.37
7 $4,285.05 $1,249.41 $3,035.64 $10,846.73
8 $4,285.05 $976.21 $3,308.85 $7,537.88
9 $4,285.05 $678.41 $3,606.64 $3,931.24
10 $4,285.05 $353.81 $3,931.24 $0.00
TOTAL $42,850.52 $15,350.52 $27,500.00
 A(tabla 1)-Amort
VP imensual (r=20%) n (meses) VF VP real
const(tabla 2)

$27,960.24 0.83% 106 -$398.24 0 $27,500.00

Se toma en el 0.83% 108 C$254.63 0 $27,500.00
mes 2

Acumulación de intereses, sin pago. Pago de INTERESES en el pe

Interés $ (Se Amortización $

Período Pago anual $ le paga al (pago al Saldo $ Período
prestatario) principal)

0 $0.00 $0.00 $0.00 $27,500.00 0

1 $0.00 $229.17 $0.00 $27,729.17 1
2 $0.00 $231.08 $0.00 $27,960.24 2
3 $398.24 $233.00 $165.24 $27,795.01 3
4 $398.24 $231.63 $166.61 $27,628.39 4
5 $398.24 $230.24 $168.00 $27,460.39 5
6 $398.24 $228.84 $169.40 $27,290.99 6
7 $398.24 $227.42 $170.81 $27,120.18 7
8 $398.24 $226.00 $172.24 $26,947.94 8
9 $398.24 $224.57 $173.67 $26,774.27 9
10 $398.24 $223.12 $175.12 $26,599.15 10
11 $398.24 $221.66 $176.58 $26,422.57 11
12 $398.24 $220.19 $178.05 $26,244.52 12
13 $398.24 $218.70 $179.53 $26,064.98 13
14 $398.24 $217.21 $181.03 $25,883.95 14
15 $398.24 $215.70 $182.54 $25,701.41 15
16 $398.24 $214.18 $184.06 $25,517.35 16
17 $398.24 $212.64 $185.59 $25,331.76 17
18 $398.24 $211.10 $187.14 $25,144.62 18
19 $398.24 $209.54 $188.70 $24,955.92 19
20 $398.24 $207.97 $190.27 $24,765.65 20
21 $398.24 $206.38 $191.86 $24,573.79 21
22 $398.24 $204.78 $193.46 $24,380.33 22
23 $398.24 $203.17 $195.07 $24,185.26 23
24 $398.24 $201.54 $196.69 $23,988.57 24
25 $398.24 $199.90 $198.33 $23,790.23 25
26 $398.24 $198.25 $199.99 $23,590.25 26
27 $398.24 $196.59 $201.65 $23,388.59 27
28 $398.24 $194.90 $203.33 $23,185.26 28
29 $398.24 $193.21 $205.03 $22,980.23 29
30 $398.24 $191.50 $206.74 $22,773.49 30
31 $398.24 $189.78 $208.46 $22,565.03 31
32 $398.24 $188.04 $210.20 $22,354.84 32
33 $398.24 $186.29 $211.95 $22,142.89 33
34 $398.24 $184.52 $213.71 $21,929.18 34
35 $398.24 $182.74 $215.50 $21,713.68 35
36 $398.24 $180.95 $217.29 $21,496.39 36
37 $398.24 $179.14 $219.10 $21,277.29 37
38 $398.24 $177.31 $220.93 $21,056.36 38
39 $398.24 $175.47 $222.77 $20,833.59 39
40 $398.24 $173.61 $224.63 $20,608.96 40
41 $398.24 $171.74 $226.50 $20,382.47 41
42 $398.24 $169.85 $228.38 $20,154.08 42
43 $398.24 $167.95 $230.29 $19,923.79 43
44 $398.24 $166.03 $232.21 $19,691.59 44
45 $398.24 $164.10 $234.14 $19,457.45 45
46 $398.24 $162.15 $236.09 $19,221.35 46
47 $398.24 $160.18 $238.06 $18,983.29 47
48 $398.24 $158.19 $240.04 $18,743.25 48
49 $398.24 $156.19 $242.04 $18,501.20 49
50 $398.24 $154.18 $244.06 $18,257.14 50
51 $398.24 $152.14 $246.10 $18,011.04 51
52 $398.24 $150.09 $248.15 $17,762.90 52
53 $398.24 $148.02 $250.21 $17,512.68 53
54 $398.24 $145.94 $252.30 $17,260.38 54
55 $398.24 $143.84 $254.40 $17,005.98 55
56 $398.24 $141.72 $256.52 $16,749.46 56
57 $398.24 $139.58 $258.66 $16,490.80 57
58 $398.24 $137.42 $260.82 $16,229.98 58
59 $398.24 $135.25 $262.99 $15,967.00 59
60 $398.24 $133.06 $265.18 $15,701.82 60
61 $398.24 $130.85 $267.39 $15,434.43 61
62 $398.24 $128.62 $269.62 $15,164.81 62
63 $398.24 $126.37 $271.87 $14,892.94 63
64 $398.24 $124.11 $274.13 $14,618.81 64
65 $398.24 $121.82 $276.42 $14,342.40 65
66 $398.24 $119.52 $278.72 $14,063.68 66
67 $398.24 $117.20 $281.04 $13,782.64 67
68 $398.24 $114.86 $283.38 $13,499.25 68
69 $398.24 $112.49 $285.74 $13,213.51 69
70 $398.24 $110.11 $288.13 $12,925.38 70
71 $398.24 $107.71 $290.53 $12,634.85 71
72 $398.24 $105.29 $292.95 $12,341.91 72
 73 $398.24 $102.85 $295.39 $12,046.52 73
74 $398.24 $100.39 $297.85 $11,748.67 74
75 $398.24 $97.91 $300.33 $11,448.33 75
76 $398.24 $95.40 $302.84 $11,145.50 76
77 $398.24 $92.88 $305.36 $10,840.14 77
78 $398.24 $90.33 $307.90 $10,532.23 78
79 $398.24 $87.77 $310.47 $10,221.76 79
80 $398.24 $85.18 $313.06 $9,908.71 80
81 $398.24 $82.57 $315.67 $9,593.04 81
82 $398.24 $79.94 $318.30 $9,274.74 82
83 $398.24 $77.29 $320.95 $8,953.79 83
84 $398.24 $74.62 $323.62 $8,630.17 84
85 $398.24 $71.92 $326.32 $8,303.85 85
86 $398.24 $69.20 $329.04 $7,974.81 86
87 $398.24 $66.46 $331.78 $7,643.03 87
88 $398.24 $63.69 $334.55 $7,308.48 88
89 $398.24 $60.90 $337.33 $6,971.15 89
90 $398.24 $58.09 $340.15 $6,631.00 90
91 $398.24 $55.26 $342.98 $6,288.02 91
92 $398.24 $52.40 $345.84 $5,942.18 92
93 $398.24 $49.52 $348.72 $5,593.46 93
94 $398.24 $46.61 $351.63 $5,241.84 94
95 $398.24 $43.68 $354.56 $4,887.28 95
96 $398.24 $40.73 $357.51 $4,529.77 96
97 $398.24 $37.75 $360.49 $4,169.28 97
98 $398.24 $34.74 $363.49 $3,805.78 98
99 $398.24 $31.71 $366.52 $3,439.26 99
100 $398.24 $28.66 $369.58 $3,069.68 100
101 $398.24 $25.58 $372.66 $2,697.02 101
102 $398.24 $22.48 $375.76 $2,321.26 102
103 $398.24 $19.34 $378.89 $1,942.37 103
104 $398.24 $16.19 $382.05 $1,560.31 104
105 $398.24 $13.00 $385.24 $1,175.08 105
106 $398.24 $9.79 $388.45 $786.63 106
107 $398.24 $6.56 $391.68 $394.95 107
108 $398.24 $3.29 $394.95 $0.00 108
TOTAL $42,213.29 $14,713.29 $27,960.24 TOTAL
 n en tabla 1 es
106 porque no
se toman en
cuenta los 2
meses de
gracia

Pago de INTERESES en el periodo de gracia

Interés $ (Se le Amortización

Pago anual $ paga al $ (pago al Saldo $
prestatario) principal)

$0.00 $0.00 $0.00 $27,500.00

$483.80 $229.17 $254.63 $27,245.37
$481.67 $227.04 $254.63 $26,990.74
$479.55 $224.92 $254.63 $26,736.11
$477.43 $222.80 $254.63 $26,481.48
$475.31 $220.68 $254.63 $26,226.85
$473.19 $218.56 $254.63 $25,972.22
$471.06 $216.44 $254.63 $25,717.59
$468.94 $214.31 $254.63 $25,462.96
$466.82 $212.19 $254.63 $25,208.33
$464.70 $210.07 $254.63 $24,953.70
$462.58 $207.95 $254.63 $24,699.07
$460.46 $205.83 $254.63 $24,444.44
$458.33 $203.70 $254.63 $24,189.81
$456.21 $201.58 $254.63 $23,935.19
$454.09 $199.46 $254.63 $23,680.56
$451.97 $197.34 $254.63 $23,425.93
$449.85 $195.22 $254.63 $23,171.30
$447.72 $193.09 $254.63 $22,916.67
$445.60 $190.97 $254.63 $22,662.04
$443.48 $188.85 $254.63 $22,407.41
$441.36 $186.73 $254.63 $22,152.78
$439.24 $184.61 $254.63 $21,898.15
$437.11 $182.48 $254.63 $21,643.52
$434.99 $180.36 $254.63 $21,388.89
$432.87 $178.24 $254.63 $21,134.26
$430.75 $176.12 $254.63 $20,879.63
$428.63 $174.00 $254.63 $20,625.00
$426.50 $171.88 $254.63 $20,370.37
$424.38 $169.75 $254.63 $20,115.74
$422.26 $167.63 $254.63 $19,861.11
$420.14 $165.51 $254.63 $19,606.48
$418.02 $163.39 $254.63 $19,351.85
$415.90 $161.27 $254.63 $19,097.22
$413.77 $159.14 $254.63 $18,842.59
$411.65 $157.02 $254.63 $18,587.96
$409.53 $154.90 $254.63 $18,333.33
$407.41 $152.78 $254.63 $18,078.70
$405.29 $150.66 $254.63 $17,824.07
$403.16 $148.53 $254.63 $17,569.44
$401.04 $146.41 $254.63 $17,314.81
$398.92 $144.29 $254.63 $17,060.19
$396.80 $142.17 $254.63 $16,805.56
$394.68 $140.05 $254.63 $16,550.93
$392.55 $137.92 $254.63 $16,296.30
$390.43 $135.80 $254.63 $16,041.67
$388.31 $133.68 $254.63 $15,787.04
$386.19 $131.56 $254.63 $15,532.41
$384.07 $129.44 $254.63 $15,277.78
$381.94 $127.31 $254.63 $15,023.15
$379.82 $125.19 $254.63 $14,768.52
$377.70 $123.07 $254.63 $14,513.89
$375.58 $120.95 $254.63 $14,259.26
$373.46 $118.83 $254.63 $14,004.63
$371.33 $116.71 $254.63 $13,750.00
$369.21 $114.58 $254.63 $13,495.37
$367.09 $112.46 $254.63 $13,240.74
$364.97 $110.34 $254.63 $12,986.11
$362.85 $108.22 $254.63 $12,731.48
$360.73 $106.10 $254.63 $12,476.85
$358.60 $103.97 $254.63 $12,222.22
$356.48 $101.85 $254.63 $11,967.59
$354.36 $99.73 $254.63 $11,712.96
$352.24 $97.61 $254.63 $11,458.33
$350.12 $95.49 $254.63 $11,203.70
$347.99 $93.36 $254.63 $10,949.07
$345.87 $91.24 $254.63 $10,694.44
$343.75 $89.12 $254.63 $10,439.81
$341.63 $87.00 $254.63 $10,185.19
$339.51 $84.88 $254.63 $9,930.56
$337.38 $82.75 $254.63 $9,675.93
$335.26 $80.63 $254.63 $9,421.30
$333.14 $78.51 $254.63 $9,166.67
 $331.02 $76.39 $254.63 $8,912.04
$328.90 $74.27 $254.63 $8,657.41
$326.77 $72.15 $254.63 $8,402.78
$324.65 $70.02 $254.63 $8,148.15
$322.53 $67.90 $254.63 $7,893.52
$320.41 $65.78 $254.63 $7,638.89
$318.29 $63.66 $254.63 $7,384.26
$316.17 $61.54 $254.63 $7,129.63
$314.04 $59.41 $254.63 $6,875.00
$311.92 $57.29 $254.63 $6,620.37
$309.80 $55.17 $254.63 $6,365.74
$307.68 $53.05 $254.63 $6,111.11
$305.56 $50.93 $254.63 $5,856.48
$303.43 $48.80 $254.63 $5,601.85
$301.31 $46.68 $254.63 $5,347.22
$299.19 $44.56 $254.63 $5,092.59
$297.07 $42.44 $254.63 $4,837.96
$294.95 $40.32 $254.63 $4,583.33
$292.82 $38.19 $254.63 $4,328.70
$290.70 $36.07 $254.63 $4,074.07
$288.58 $33.95 $254.63 $3,819.44
$286.46 $31.83 $254.63 $3,564.81
$284.34 $29.71 $254.63 $3,310.19
$282.21 $27.58 $254.63 $3,055.56
$280.09 $25.46 $254.63 $2,800.93
$277.97 $23.34 $254.63 $2,546.30
$275.85 $21.22 $254.63 $2,291.67
$273.73 $19.10 $254.63 $2,037.04
$271.60 $16.98 $254.63 $1,782.41
$269.48 $14.85 $254.63 $1,527.78
$267.36 $12.73 $254.63 $1,273.15
$265.24 $10.61 $254.63 $1,018.52
$263.12 $8.49 $254.63 $763.89
$261.00 $6.37 $254.63 $509.26
$258.87 $4.24 $254.63 $254.63
$256.75 $2.12 $254.63 $0.00
$39,989.58 $12,489.58 $27,500.00