Monto del prestamo 250,000

Tasa de interès 4.2% 18%

Periodo de pago 8 años 4.2%
Periodo de gracia 0

a) Cuotas Constantes

SD = MP x FRK
(1+i)n x i
FRK =
(1+i)n - 1
37,477

Deuda Intereses Amortiz. Servicio Deuda

Inicial 4.2% Prestamo Deuda Final

0 250,000 0 0 0 250,000
1 250,000 10,562 26,916 37,477 223,084
2 223,084 9,425 28,053 37,477 195,032
3 195,032 8,239 29,238 37,477 165,794
4 165,794 7,004 30,473 37,477 135,321
5 135,321 5,717 31,760 37,477 103,561
6 103,561 4,375 33,102 37,477 70,459
7 70,459 2,977 34,501 37,477 35,958
8 35,958 1,519 35,958 37,477 0
250,000
Periodo de gracia 1
Periodo de pago 7 años

Deuda Intereses Amortiz. Servicio Deuda

Inicial 4.2% Prestamo Deuda Final

0 250,000 0 0 0 250,000
1 250,000 10,562 0 10,562 250,000
2 250,000 10,562 31,437 41,999 218,563
3 218,563 9,234 32,765 41,999 185,797
4 185,797 7,849 34,150 41,999 151,648
5 151,648 6,407 35,592 41,999 116,056
6 116,056 4,903 37,096 41,999 78,960
7 78,960 3,336 38,663 41,999 40,297
8 40,297 1,702 40,297 41,999 0

b) Cuotas Decrecientes
Amortizaciones Constantes
 Deuda Intereses Amortiz. Servicio Deuda
Inicial 4.2% Prestamo Deuda Final

0 250,000 0 0 0 250,000
1 250,000 10,562 31,250 41,812 218,750
2 218,750 9,241 31,250 40,491 187,500
3 187,500 7,921 31,250 39,171 156,250
4 156,250 6,601 31,250 37,851 125,000
5 125,000 5,281 31,250 36,531 93,750
6 93,750 3,961 31,250 35,211 62,500
7 62,500 2,640 31,250 33,890 31,250
8 31,250 1,320 31,250 32,570 0
250,000

c) Cuotas Crecientes
Suma de digitos

Deuda Intereses Amortiz. Servicio Deuda

Inicial 4.2% Prestamo Deuda Final

0 250,000 0 0 0 250,000
1 250,000 10,562 6,944 17,506 243,056
2 243,056 10,268 13,889 24,157 229,167
3 229,167 9,682 20,833 30,515 208,333
4 208,333 8,801 27,778 36,579 180,556
5 180,556 7,628 34,722 42,350 145,833
6 145,833 6,161 41,667 47,828 104,167
7 104,167 4,401 48,611 53,012 55,556
8 55,556 2,347 55,556 57,903 0

36
EVALUACION DE MODALIDADES DE PAGO

Cuota Cuota Cuota

Fija Decreciente Creciente

1 37,477 41,812 17,506

2 37,477 40,491 24,157
3 37,477 39,171 30,515
4 37,477 37,851 36,579
5 37,477 36,531 42,350
6 37,477 35,211 47,828
7 37,477 33,890 53,012
8 37,477 32,570 57,903
37,477
Factor

0.02778
0.05556
0.08333
0.11111
0.13889
0.16667
0.19444
0.22222