Doña Gloria tiene aprobado un préstamo de $130.

000 a ser cancelados durante 15 años mediante pagos mensual

del 6% nominal anual capitalizable mensualmente. Transcurridos tres años, Doña Gloria entrega una cantidad adici
mitad y renegocia las condiciones del préstamo con la entidad financiera acordando efectuar en lo sucesivo pag
duración total del préstamo en un año y reduciendo el tipo de interés en un punto (5% nominal anual capitalizable
de los pagos mensuales constantes antes de la renegociación. b) La cantidad adicional para reducir la deuda pendi
constantes después de la renegociación. Elabore la tabla de amortización en los periodos men

PV 130000
Tasa 0.06 Anual cap mensual = 0.005 Mensual
nper 180 meses

Pagos $1,097.01

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $130,000.00
1 $1,097.01 $650.00 $447.01 $129,552.99
2 $1,097.01 $647.76 $449.25 $129,103.74
3 $1,097.01 $645.52 $451.50 $128,652.24
4 $1,097.01 $643.26 $453.75 $128,198.49
5 $1,097.01 $640.99 $456.02 $127,742.47
6 $1,097.01 $638.71 $458.30 $127,284.17
7 $1,097.01 $636.42 $460.59 $126,823.57
8 $1,097.01 $634.12 $462.90 $126,360.68
9 $1,097.01 $631.80 $465.21 $125,895.47
10 $1,097.01 $629.48 $467.54 $125,427.93
11 $1,097.01 $627.14 $469.87 $124,958.06
12 $1,097.01 $624.79 $472.22 $124,485.83
13 $1,097.01 $622.43 $474.58 $124,011.25
14 $1,097.01 $620.06 $476.96 $123,534.29
15 $1,097.01 $617.67 $479.34 $123,054.95
16 $1,097.01 $615.27 $481.74 $122,573.21
17 $1,097.01 $612.87 $484.15 $122,089.06
18 $1,097.01 $610.45 $486.57 $121,602.49
19 $1,097.01 $608.01 $489.00 $121,113.49
20 $1,097.01 $605.57 $491.45 $120,622.04
21 $1,097.01 $603.11 $493.90 $120,128.14
22 $1,097.01 $600.64 $496.37 $119,631.77
 23 $1,097.01 $598.16 $498.86 $119,132.91
24 $1,097.01 $595.66 $501.35 $118,631.56
25 $1,097.01 $593.16 $503.86 $118,127.71
26 $1,097.01 $590.64 $506.38 $117,621.33
27 $1,097.01 $588.11 $508.91 $117,112.42
28 $1,097.01 $585.56 $511.45 $116,600.97
29 $1,097.01 $583.00 $514.01 $116,086.96
30 $1,097.01 $580.43 $516.58 $115,570.38
31 $1,097.01 $577.85 $519.16 $115,051.22
32 $1,097.01 $575.26 $521.76 $114,529.46
33 $1,097.01 $572.65 $524.37 $114,005.10
34 $1,097.01 $570.03 $526.99 $113,478.11
35 $1,097.01 $567.39 $529.62 $112,948.49
36 $1,097.01 $564.74 $532.27 $112,416.22

Cantidad adicional para reducir la deuda a la mitad

$56,208.11

PV $56,208.11
Tasa 0.05 Anual cap mensual = 0.004167 Mensual
nper 132 meses

Pagos $554.46

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
37 $554.46 $234.20 $320.26 $55,887.84
38 $554.46 $232.87 $321.60 $55,566.25
39 $554.46 $231.53 $322.94 $55,243.31
40 $554.46 $230.18 $324.28 $54,919.02
41 $554.46 $228.83 $325.63 $54,593.39
42 $554.46 $227.47 $326.99 $54,266.40
43 $554.46 $226.11 $328.35 $53,938.04
44 $554.46 $224.74 $329.72 $53,608.32
45 $554.46 $223.37 $331.10 $53,277.22
46 $554.46 $221.99 $332.48 $52,944.75
47 $554.46 $220.60 $333.86 $52,610.89
48 $554.46 $219.21 $335.25 $52,275.64
49 $554.46 $217.82 $336.65 $51,938.99
50 $554.46 $216.41 $338.05 $51,600.93
51 $554.46 $215.00 $339.46 $51,261.47
52 $554.46 $213.59 $340.87 $50,920.60
53 $554.46 $212.17 $342.30 $50,578.30
54 $554.46 $210.74 $343.72 $50,234.58
55 $554.46 $209.31 $345.15 $49,889.43
56 $554.46 $207.87 $346.59 $49,542.84
57 $554.46 $206.43 $348.04 $49,194.80
58 $554.46 $204.98 $349.49 $48,845.32
59 $554.46 $203.52 $350.94 $48,494.37
60 $554.46 $202.06 $352.40 $48,141.97
61 $554.46 $200.59 $353.87 $47,788.10
62 $554.46 $199.12 $355.35 $47,432.75
63 $554.46 $197.64 $356.83 $47,075.92
64 $554.46 $196.15 $358.31 $46,717.61
65 $554.46 $194.66 $359.81 $46,357.80
66 $554.46 $193.16 $361.31 $45,996.49
67 $554.46 $191.65 $362.81 $45,633.68
68 $554.46 $190.14 $364.32 $45,269.36
69 $554.46 $188.62 $365.84 $44,903.52
70 $554.46 $187.10 $367.37 $44,536.15
71 $554.46 $185.57 $368.90 $44,167.25
72 $554.46 $184.03 $370.43 $43,796.82
73 $554.46 $182.49 $371.98 $43,424.84
74 $554.46 $180.94 $373.53 $43,051.31
75 $554.46 $179.38 $375.08 $42,676.23
76 $554.46 $177.82 $376.65 $42,299.58
77 $554.46 $176.25 $378.22 $41,921.37
78 $554.46 $174.67 $379.79 $41,541.58
79 $554.46 $173.09 $381.37 $41,160.20
80 $554.46 $171.50 $382.96 $40,777.24
81 $554.46 $169.91 $384.56 $40,392.68
82 $554.46 $168.30 $386.16 $40,006.52
83 $554.46 $166.69 $387.77 $39,618.75
84 $554.46 $165.08 $389.39 $39,229.36
85 $554.46 $163.46 $391.01 $38,838.35
86 $554.46 $161.83 $392.64 $38,445.71
87 $554.46 $160.19 $394.27 $38,051.44
88 $554.46 $158.55 $395.92 $37,655.52
89 $554.46 $156.90 $397.57 $37,257.96
90 $554.46 $155.24 $399.22 $36,858.74
91 $554.46 $153.58 $400.89 $36,457.85
92 $554.46 $151.91 $402.56 $36,055.29
93 $554.46 $150.23 $404.23 $35,651.06
94 $554.46 $148.55 $405.92 $35,245.14
95 $554.46 $146.85 $407.61 $34,837.53
96 $554.46 $145.16 $409.31 $34,428.22
 97 $554.46 $143.45 $411.01 $34,017.21
98 $554.46 $141.74 $412.73 $33,604.48
99 $554.46 $140.02 $414.45 $33,190.04
100 $554.46 $138.29 $416.17 $32,773.87
101 $554.46 $136.56 $417.91 $32,355.96
102 $554.46 $134.82 $419.65 $31,936.31
103 $554.46 $133.07 $421.40 $31,514.92
104 $554.46 $131.31 $423.15 $31,091.76
105 $554.46 $129.55 $424.92 $30,666.85
106 $554.46 $127.78 $426.69 $30,240.16
107 $554.46 $126.00 $428.46 $29,811.70
108 $554.46 $124.22 $430.25 $29,381.45
109 $554.46 $122.42 $432.04 $28,949.41
110 $554.46 $120.62 $433.84 $28,515.57
111 $554.46 $118.81 $435.65 $28,079.92
112 $554.46 $117.00 $437.46 $27,642.45
113 $554.46 $115.18 $439.29 $27,203.17
114 $554.46 $113.35 $441.12 $26,762.05
115 $554.46 $111.51 $442.96 $26,319.09
116 $554.46 $109.66 $444.80 $25,874.29
117 $554.46 $107.81 $446.65 $25,427.64
118 $554.46 $105.95 $448.52 $24,979.12
119 $554.46 $104.08 $450.38 $24,528.74
120 $554.46 $102.20 $452.26 $24,076.48
121 $554.46 $100.32 $454.15 $23,622.33
122 $554.46 $98.43 $456.04 $23,166.29
123 $554.46 $96.53 $457.94 $22,708.35
124 $554.46 $94.62 $459.85 $22,248.51
125 $554.46 $92.70 $461.76 $21,786.75
126 $554.46 $90.78 $463.69 $21,323.06
127 $554.46 $88.85 $465.62 $20,857.44
128 $554.46 $86.91 $467.56 $20,389.88
129 $554.46 $84.96 $469.51 $19,920.38
130 $554.46 $83.00 $471.46 $19,448.91
131 $554.46 $81.04 $473.43 $18,975.49
132 $554.46 $79.06 $475.40 $18,500.09
133 $554.46 $77.08 $477.38 $18,022.71
134 $554.46 $75.09 $479.37 $17,543.34
135 $554.46 $73.10 $481.37 $17,061.97
136 $554.46 $71.09 $483.37 $16,578.60
137 $554.46 $69.08 $485.39 $16,093.21
138 $554.46 $67.06 $487.41 $15,605.80
139 $554.46 $65.02 $489.44 $15,116.36
140 $554.46 $62.98 $491.48 $14,624.88
141 $554.46 $60.94 $493.53 $14,131.36
142 $554.46 $58.88 $495.58 $13,635.77
143 $554.46 $56.82 $497.65 $13,138.12
144 $554.46 $54.74 $499.72 $12,638.40
145 $554.46 $52.66 $501.80 $12,136.60
146 $554.46 $50.57 $503.90 $11,632.70
147 $554.46 $48.47 $505.99 $11,126.71
148 $554.46 $46.36 $508.10 $10,618.60
149 $554.46 $44.24 $510.22 $10,108.38
150 $554.46 $42.12 $512.35 $9,596.04
151 $554.46 $39.98 $514.48 $9,081.56
152 $554.46 $37.84 $516.62 $8,564.93
153 $554.46 $35.69 $518.78 $8,046.16
154 $554.46 $33.53 $520.94 $7,525.22
155 $554.46 $31.36 $523.11 $7,002.11
156 $554.46 $29.18 $525.29 $6,476.82
157 $554.46 $26.99 $527.48 $5,949.34
158 $554.46 $24.79 $529.68 $5,419.67
159 $554.46 $22.58 $531.88 $4,887.78
160 $554.46 $20.37 $534.10 $4,353.69
161 $554.46 $18.14 $536.32 $3,817.36
162 $554.46 $15.91 $538.56 $3,278.80
163 $554.46 $13.66 $540.80 $2,738.00
164 $554.46 $11.41 $543.06 $2,194.95
165 $554.46 $9.15 $545.32 $1,649.63
166 $554.46 $6.87 $547.59 $1,102.04
167 $554.46 $4.59 $549.87 $552.16
168 $554.46 $2.30 $552.16 ($0.00)
mediante pagos mensuales constantes, siendo la tasa de interés
trega una cantidad adicional para reducir la deuda pendiente a la
ctuar en lo sucesivo pagos mensuales constantes acortando la
minal anual capitalizable mensualmente.) Determine: a) El valor
a reducir la deuda pendiente. c) El valor de los pagos mensuales
ción en los periodos mensuales 61, 62 y 63.
 Hoy se contrae una deuda por 50.000 al 20% efectivo anual, si la deuda se amortiza con pagos mensuales vencid
acreedor (saldo insoluto) y los derechos del deudor (parte amortizada) al final del sexto año (mes número 72). b) E
74 y 75

PV 50000
Tasa 0.2 anual = 0.0153094705 mensual
nper 120 meses

Pagos $912.91

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $50,000.00
1 $912.91 $765.47 $147.44 $49,852.56
2 $912.91 $763.22 $149.70 $49,702.86
3 $912.91 $760.92 $151.99 $49,550.87
4 $912.91 $758.60 $154.32 $49,396.55
5 $912.91 $756.24 $156.68 $49,239.88
6 $912.91 $753.84 $159.08 $49,080.80
7 $912.91 $751.40 $161.51 $48,919.28
8 $912.91 $748.93 $163.99 $48,755.30
9 $912.91 $746.42 $166.50 $48,588.80
10 $912.91 $743.87 $169.05 $48,419.76
11 $912.91 $741.28 $171.63 $48,248.12
12 $912.91 $738.65 $174.26 $48,073.86
13 $912.91 $735.99 $176.93 $47,896.93
14 $912.91 $733.28 $179.64 $47,717.30
15 $912.91 $730.53 $182.39 $47,534.91
16 $912.91 $727.73 $185.18 $47,349.73
17 $912.91 $724.90 $188.02 $47,161.71
18 $912.91 $722.02 $190.89 $46,970.82
19 $912.91 $719.10 $193.82 $46,777.00
20 $912.91 $716.13 $196.78 $46,580.22
21 $912.91 $713.12 $199.80 $46,380.42
22 $912.91 $710.06 $202.85 $46,177.57
23 $912.91 $706.95 $205.96 $45,971.61
24 $912.91 $703.80 $209.11 $45,762.50
25 $912.91 $700.60 $212.31 $45,550.18
26 $912.91 $697.35 $215.57 $45,334.62
27 $912.91 $694.05 $218.87 $45,115.75
28 $912.91 $690.70 $222.22 $44,893.54
29 $912.91 $687.30 $225.62 $44,667.92
30 $912.91 $683.84 $229.07 $44,438.85
31 $912.91 $680.34 $232.58 $44,206.27
32 $912.91 $676.77 $236.14 $43,970.13
33 $912.91 $673.16 $239.75 $43,730.37
34 $912.91 $669.49 $243.43 $43,486.95
35 $912.91 $665.76 $247.15 $43,239.79
36 $912.91 $661.98 $250.94 $42,988.86
37 $912.91 $658.14 $254.78 $42,734.08
38 $912.91 $654.24 $258.68 $42,475.40
39 $912.91 $650.28 $262.64 $42,212.76
40 $912.91 $646.26 $266.66 $41,946.10
41 $912.91 $642.17 $270.74 $41,675.36
42 $912.91 $638.03 $274.89 $41,400.48
43 $912.91 $633.82 $279.09 $41,121.38
44 $912.91 $629.55 $283.37 $40,838.01
45 $912.91 $625.21 $287.71 $40,550.31
46 $912.91 $620.80 $292.11 $40,258.20
47 $912.91 $616.33 $296.58 $39,961.62
48 $912.91 $611.79 $301.12 $39,660.49
49 $912.91 $607.18 $305.73 $39,354.76
50 $912.91 $602.50 $310.41 $39,044.35
51 $912.91 $597.75 $315.17 $38,729.18
52 $912.91 $592.92 $319.99 $38,409.19
53 $912.91 $588.02 $324.89 $38,084.30
54 $912.91 $583.05 $329.86 $37,754.43
55 $912.91 $578.00 $334.91 $37,419.52
56 $912.91 $572.87 $340.04 $37,079.48
57 $912.91 $567.67 $345.25 $36,734.23
58 $912.91 $562.38 $350.53 $36,383.70
59 $912.91 $557.02 $355.90 $36,027.80
60 $912.91 $551.57 $361.35 $35,666.45
61 $912.91 $546.03 $366.88 $35,299.57
62 $912.91 $540.42 $372.50 $34,927.08
63 $912.91 $534.72 $378.20 $34,548.88
64 $912.91 $528.93 $383.99 $34,164.89
65 $912.91 $523.05 $389.87 $33,775.02
66 $912.91 $517.08 $395.84 $33,379.18
67 $912.91 $511.02 $401.90 $32,977.29
68 $912.91 $504.86 $408.05 $32,569.24
69 $912.91 $498.62 $414.30 $32,154.94
 70 $912.91 $492.28 $420.64 $31,734.30
71 $912.91 $485.84 $427.08 $31,307.22
72 $912.91 $479.30 $433.62 $30,873.61
73 $912.91 $472.66 $440.26 $30,433.35
74 $912.91 $465.92 $447.00 $29,986.35
75 $912.91 $459.08 $453.84 $29,532.51
76 $912.91 $452.13 $460.79 $29,071.73
77 $912.91 $445.07 $467.84 $28,603.89
78 $912.91 $437.91 $475.00 $28,128.88
79 $912.91 $430.64 $482.28 $27,646.61
80 $912.91 $423.25 $489.66 $27,156.95
81 $912.91 $415.76 $497.16 $26,659.79
82 $912.91 $408.15 $504.77 $26,155.02
83 $912.91 $400.42 $512.49 $25,642.53
84 $912.91 $392.57 $520.34 $25,122.19
85 $912.91 $384.61 $528.31 $24,593.88
86 $912.91 $376.52 $536.39 $24,057.49
87 $912.91 $368.31 $544.61 $23,512.88
88 $912.91 $359.97 $552.94 $22,959.94
89 $912.91 $351.50 $561.41 $22,398.53
90 $912.91 $342.91 $570.00 $21,828.52
91 $912.91 $334.18 $578.73 $21,249.79
92 $912.91 $325.32 $587.59 $20,662.20
93 $912.91 $316.33 $596.59 $20,065.61
94 $912.91 $307.19 $605.72 $19,459.89
95 $912.91 $297.92 $614.99 $18,844.90
96 $912.91 $288.51 $624.41 $18,220.49
97 $912.91 $278.95 $633.97 $17,586.52
98 $912.91 $269.24 $643.67 $16,942.85
99 $912.91 $259.39 $653.53 $16,289.32
100 $912.91 $249.38 $663.53 $15,625.78
101 $912.91 $239.22 $673.69 $14,952.09
102 $912.91 $228.91 $684.01 $14,268.09
103 $912.91 $218.44 $694.48 $13,573.61
104 $912.91 $207.80 $705.11 $12,868.50
105 $912.91 $197.01 $715.90 $12,152.60
106 $912.91 $186.05 $726.86 $11,425.73
107 $912.91 $174.92 $737.99 $10,687.74
108 $912.91 $163.62 $749.29 $9,938.45
109 $912.91 $152.15 $760.76 $9,177.69
110 $912.91 $140.51 $772.41 $8,405.28
111 $912.91 $128.68 $784.23 $7,621.04
112 $912.91 $116.67 $796.24 $6,824.80
113 $912.91 $104.48 $808.43 $6,016.37
114 $912.91 $92.11 $820.81 $5,195.57
115 $912.91 $79.54 $833.37 $4,362.19
116 $912.91 $66.78 $846.13 $3,516.06
117 $912.91 $53.83 $859.09 $2,656.98
118 $912.91 $40.68 $872.24 $1,784.74
119 $912.91 $27.32 $885.59 $899.15
120 $912.91 $13.77 $899.15 ($0.00)
on pagos mensuales vencidos durante 10 años. a) Hallar los derechos del
año (mes número 72). b) Elabore en la tabla de amortización las líneas 73,
Una deuda de $40.000 es pagada mediante la siguiente forma de amortización: El primer pago se lo realiza al terce
pagos bimestrales. Se paga una tasa del 15% anual capitalización trimestral. a) Determinar el valor de los pagos. b)
19, 20 y 21. c) Si la persona desea hacer pagos incrementales para cancelar la deuda, incrementando en $10 dólar
así sucesivamente, determine en qué tiempo terminaría de pagar la deud

PV 40000
Tasa 0.15 Anual cap trimestral = 0.0375 trimestral
nper 24 bisemestres

Pagos $2,316.44

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
2 $41,500.00
3 $2,316.44 $1,031.12 $1,285.32 $40,214.68
4 $2,316.44 $999.19 $1,317.26 $38,897.42
5 $2,316.44 $966.46 $1,349.99 $37,547.43
6 $2,316.44 $932.91 $1,383.53 $36,163.90
7 $2,316.44 $898.54 $1,417.90 $34,746.00
8 $2,316.44 $863.31 $1,453.13 $33,292.86
9 $2,316.44 $827.20 $1,489.24 $31,803.63
10 $2,316.44 $790.20 $1,526.24 $30,277.38
11 $2,316.44 $752.28 $1,564.16 $28,713.22
12 $2,316.44 $713.42 $1,603.03 $27,110.19
13 $2,316.44 $673.59 $1,642.86 $25,467.34
14 $2,316.44 $632.77 $1,683.67 $23,783.66
15 $2,316.44 $590.94 $1,725.51 $22,058.16
16 $2,316.44 $548.06 $1,768.38 $20,289.78
17 $2,316.44 $504.13 $1,812.32 $18,477.46
18 $2,316.44 $459.10 $1,857.35 $16,620.11
19 $2,316.44 $412.95 $1,903.50 $14,716.61
20 $2,316.44 $365.65 $1,950.79 $12,765.82
21 $2,316.44 $317.18 $1,999.26 $10,766.56
22 $2,316.44 $267.51 $2,048.93 $8,717.63
23 $2,316.44 $216.60 $2,099.84 $6,617.79
24 $2,316.44 $164.43 $2,152.02 $4,465.77
25 $2,316.44 $110.96 $2,205.49 $2,260.28
 26 $2,316.44 $56.16 $2,260.28 $0.00

Amortizacion con pagos incrementales

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
2 $41,500.00
3 $2,316.44 $1,031.12 $1,285.32 $40,214.68
4 $2,326.44 $999.19 $1,327.26 $38,887.42
5 $2,336.44 $966.21 $1,370.24 $37,517.18
6 $2,346.44 $932.16 $1,414.28 $36,102.90
7 $2,356.44 $897.02 $1,459.42 $34,643.48
8 $2,366.44 $860.76 $1,505.68 $33,137.80
9 $2,376.44 $823.35 $1,553.09 $31,584.71
10 $2,386.44 $784.76 $1,601.68 $29,983.03
11 $2,396.44 $744.97 $1,651.48 $28,331.55
12 $2,406.44 $703.93 $1,702.51 $26,629.04
13 $2,416.44 $661.63 $1,754.81 $24,874.23
14 $2,426.44 $618.03 $1,808.41 $23,065.82
15 $2,436.44 $573.10 $1,863.34 $21,202.48
16 $2,446.44 $526.80 $1,919.64 $19,282.84
17 $2,456.44 $479.11 $1,977.34 $17,305.50
18 $2,466.44 $429.98 $2,036.47 $15,269.03
19 $2,476.44 $379.38 $2,097.06 $13,171.97
20 $2,486.44 $327.27 $2,159.17 $11,012.80
21 $2,496.44 $273.63 $2,222.82 $8,789.98
22 $2,506.44 $218.40 $2,288.05 $6,501.94
23 $2,516.44 $161.55 $2,354.89 $4,147.04
24 $2,526.44 $103.04 $2,423.41 $1,723.64
25 $1,766.46 $42.83 $1,723.64 $0.00

Tiempo en meses
50

Si la persona desea realizar pagos incrementales, terminaria pagando la deuda en 50 meses

 primer pago se lo realiza al tercer mes de contraída la deuda. Se realizan 24
terminar el valor de los pagos. b) Haga la tabla de amortización de las líneas
uda, incrementando en $10 dólares el segundo pago, $20 el tercer pago, y
mpo terminaría de pagar la deuda.

= 0.024846 bimestral = 0.012347 mensual

 El precio de contado de un vehiculo es de $65.000, más un seguro por un valor de $2.500. Se puede financiar co
contado y el resto en 36 meses con cuotas iguales a final de mes, a una tasa del 18% efectivo anual. a) Elabore las l
Si se lleva cancelado 25 cuotas, determine el total de intereses pagado

PV 44750
Tasa 0.18 anual = 0.0138884303 mensual
nper 36 meses

Pagos $1,588.03

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $44,750.00
1 $1,588.03 $621.51 $966.53 $43,783.47
2 $1,588.03 $608.08 $979.95 $42,803.52
3 $1,588.03 $594.47 $993.56 $41,809.96
4 $1,588.03 $580.67 $1,007.36 $40,802.61
5 $1,588.03 $566.68 $1,021.35 $39,781.26
6 $1,588.03 $552.50 $1,035.53 $38,745.72
7 $1,588.03 $538.12 $1,049.92 $37,695.81
8 $1,588.03 $523.54 $1,064.50 $36,631.31
9 $1,588.03 $508.75 $1,079.28 $35,552.03
10 $1,588.03 $493.76 $1,094.27 $34,457.75
11 $1,588.03 $478.56 $1,109.47 $33,348.29
12 $1,588.03 $463.16 $1,124.88 $32,223.41
13 $1,588.03 $447.53 $1,140.50 $31,082.91
14 $1,588.03 $431.69 $1,156.34 $29,926.57
15 $1,588.03 $415.63 $1,172.40 $28,754.17
16 $1,588.03 $399.35 $1,188.68 $27,565.48
17 $1,588.03 $382.84 $1,205.19 $26,360.29
18 $1,588.03 $366.10 $1,221.93 $25,138.36
19 $1,588.03 $349.13 $1,238.90 $23,899.46
20 $1,588.03 $331.93 $1,256.11 $22,643.35
21 $1,588.03 $314.48 $1,273.55 $21,369.80
22 $1,588.03 $296.79 $1,291.24 $20,078.56
23 $1,588.03 $278.86 $1,309.17 $18,769.38
24 $1,588.03 $260.68 $1,327.36 $17,442.03
25 $1,588.03 $242.24 $1,345.79 $16,096.24
 $11,047.07

El total de intereses pagados hasta el mes 25 es de $11047.07

de $2.500. Se puede financiar con un 35% de enganche sobre el valor de
% efectivo anual. a) Elabore las líneas 17 y 18 del cuadro de amortización. b)
ne el total de intereses pagado.
 Una persona contrae una deuda de $10.000 al 24% anual con capitalización mensual a 5 años plazo en el cual se
constantes mensuales y cuotas extraordinarias cada semestre de $1.000. a) Encuentre el valor de los pagos consta
tabla de amortización. c) Si se cambiara el sistema a amortización constante sin cuotas extraordinarias cual es

PV $4,489.50
Tasa 0.24 Anual cap mensual = 0.02 Mensual =
nper 60 meses

Pagos $129.15

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $10,000.00
1 $129.15 $200.00 ($70.85) $10,070.85
2 $129.15 $201.42 ($72.26) $10,143.11
3 $129.15 $202.86 ($73.71) $10,216.82
4 $129.15 $204.34 ($75.18) $10,292.00
5 $129.15 $205.84 ($76.69) $10,368.69
6 $1,129.15 $207.37 $921.78 $9,446.91
7 $129.15 $188.94 ($59.78) $9,506.69
8 $129.15 $190.13 ($60.98) $9,567.67
9 $129.15 $191.35 ($62.20) $9,629.87
10 $129.15 $192.60 ($63.44) $9,693.31
11 $129.15 $193.87 ($64.71) $9,758.03
12 $1,129.15 $195.16 $933.99 $8,824.03
13 $129.15 $176.48 ($47.33) $8,871.36
14 $129.15 $177.43 ($48.27) $8,919.63
15 $129.15 $178.39 ($49.24) $8,968.87
16 $129.15 $179.38 ($50.22) $9,019.10
17 $129.15 $180.38 ($51.23) $9,070.32
18 $1,129.15 $181.41 $947.75 $8,122.58
19 $129.15 $162.45 ($33.30) $8,155.87
20 $129.15 $163.12 ($33.96) $8,189.84
21 $129.15 $163.80 ($34.64) $8,224.48
22 $129.15 $164.49 ($35.34) $8,259.82
23 $129.15 $165.20 ($36.04) $8,295.86
 24 $1,129.15 $165.92 $963.24 $7,332.62
25 $129.15 $146.65 ($17.50) $7,350.12
26 $129.15 $147.00 ($17.85) $7,367.97
27 $129.15 $147.36 ($18.21) $7,386.17
28 $129.15 $147.72 ($18.57) $7,404.74
29 $129.15 $148.09 ($18.94) $7,423.68
30 $1,129.15 $148.47 $980.68 $6,443.00
31 $129.15 $128.86 $0.29 $6,442.71
32 $129.15 $128.85 $0.30 $6,442.41
33 $129.15 $128.85 $0.31 $6,442.11
34 $129.15 $128.84 $0.31 $6,441.79
35 $129.15 $128.84 $0.32 $6,441.48
36 $1,129.15 $128.83 $1,000.32 $5,441.15
37 $129.15 $108.82 $20.33 $5,420.82
38 $129.15 $108.42 $20.74 $5,400.08
39 $129.15 $108.00 $21.15 $5,378.93
40 $129.15 $107.58 $21.58 $5,357.36
41 $129.15 $107.15 $22.01 $5,335.35
42 $1,129.15 $106.71 $1,022.45 $4,312.90
43 $129.15 $86.26 $42.90 $4,270.01
44 $129.15 $85.40 $43.75 $4,226.25
45 $129.15 $84.53 $44.63 $4,181.62
46 $129.15 $83.63 $45.52 $4,136.10
47 $129.15 $82.72 $46.43 $4,089.67
48 $1,129.15 $81.79 $1,047.36 $3,042.31
49 $129.15 $60.85 $68.31 $2,974.00
50 $129.15 $59.48 $69.67 $2,904.33
51 $129.15 $58.09 $71.07 $2,833.26
52 $129.15 $56.67 $72.49 $2,760.77
53 $129.15 $55.22 $73.94 $2,686.83
54 $1,129.15 $53.74 $1,075.42 $1,611.42
55 $129.15 $32.23 $96.93 $1,514.49
56 $129.15 $30.29 $98.86 $1,415.63
57 $129.15 $28.31 $100.84 $1,314.79
58 $129.15 $26.30 $102.86 $1,211.93
59 $129.15 $24.24 $104.92 $1,107.01
60 $1,129.15 $22.14 $1,107.01 ($0.00)

Si no se realizara cuotas extraordinarias

PV $10,000.00
Tasa 0.24 Anual cap mensual = 0.02 Mensual =
nper 60 meses
Pagos $287.68

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $10,000.00
1 $366.67 $200.00 $166.67 $9,833.33
2 $363.33 $196.67 $166.67 $9,666.67
3 $360.00 $193.33 $166.67 $9,500.00
4 $356.67 $190.00 $166.67 $9,333.33
5 $353.33 $186.67 $166.67 $9,166.67
6 $350.00 $183.33 $166.67 $9,000.00
7 $346.67 $180.00 $166.67 $8,833.33
8 $343.33 $176.67 $166.67 $8,666.67
9 $340.00 $173.33 $166.67 $8,500.00
10 $336.67 $170.00 $166.67 $8,333.33
11 $333.33 $166.67 $166.67 $8,166.67
12 $330.00 $163.33 $166.67 $8,000.00
13 $326.67 $160.00 $166.67 $7,833.33
14 $323.33 $156.67 $166.67 $7,666.67
15 $320.00 $153.33 $166.67 $7,500.00
16 $316.67 $150.00 $166.67 $7,333.33
17 $313.33 $146.67 $166.67 $7,166.67
18 $310.00 $143.33 $166.67 $7,000.00
19 $306.67 $140.00 $166.67 $6,833.33
20 $303.33 $136.67 $166.67 $6,666.67
21 $300.00 $133.33 $166.67 $6,500.00
22 $296.67 $130.00 $166.67 $6,333.33
23 $293.33 $126.67 $166.67 $6,166.67
24 $290.00 $123.33 $166.67 $6,000.00
25 $286.67 $120.00 $166.67 $5,833.33
26 $283.33 $116.67 $166.67 $5,666.67
27 $280.00 $113.33 $166.67 $5,500.00
28 $276.67 $110.00 $166.67 $5,333.33
29 $273.33 $106.67 $166.67 $5,166.67
30 $270.00 $103.33 $166.67 $5,000.00
31 $266.67 $100.00 $166.67 $4,833.33
32 $263.33 $96.67 $166.67 $4,666.67
33 $260.00 $93.33 $166.67 $4,500.00
34 $256.67 $90.00 $166.67 $4,333.33
35 $253.33 $86.67 $166.67 $4,166.67
36 $250.00 $83.33 $166.67 $4,000.00
37 $246.67 $80.00 $166.67 $3,833.33
38 $243.33 $76.67 $166.67 $3,666.67
39 $240.00 $73.33 $166.67 $3,500.00
 40 $236.67 $70.00 $166.67 $3,333.33
41 $233.33 $66.67 $166.67 $3,166.67
42 $230.00 $63.33 $166.67 $3,000.00
43 $226.67 $60.00 $166.67 $2,833.33
44 $223.33 $56.67 $166.67 $2,666.67
45 $220.00 $53.33 $166.67 $2,500.00
46 $216.67 $50.00 $166.67 $2,333.33
47 $213.33 $46.67 $166.67 $2,166.67
48 $210.00 $43.33 $166.67 $2,000.00
49 $206.67 $40.00 $166.67 $1,833.33
50 $203.33 $36.67 $166.67 $1,666.67
51 $200.00 $33.33 $166.67 $1,500.00
52 $196.67 $30.00 $166.67 $1,333.33
53 $193.33 $26.67 $166.67 $1,166.67
54 $190.00 $23.33 $166.67 $1,000.00
55 $186.67 $20.00 $166.67 $833.33
56 $183.33 $16.67 $166.67 $666.67
57 $180.00 $13.33 $166.67 $500.00
58 $176.67 $10.00 $166.67 $333.33
59 $173.33 $6.67 $166.67 $166.67
60 $170.00 $3.33 $166.67 $0.00

El valor de la amortizacion mensual seria de $166.67

 años plazo en el cual se compromete a pagar mediante pagos
valor de los pagos constantes. b) Realice las 5 últimas líneas de la
s extraordinarias cual es el valor de la amortización mensual.

0.126162 Semestral
0.126162 Semestral
 Se compro un automóvil valorado en $50.000, dándose una cuota inicial del 20% de su valor inicial y la diferen
mensuales vencidos con una tasa de interés del 16% efectivo anual. Adicionalmente se efectuará tres pagos semes
(4), quinto (5) y sexto (6) semestre. Dada esta información, entonces: a) Determine el valor de los pagos mensuale
la forma de "amortización constante" (considerando las mismas cuotas adicionales), determine el va

PV $35,852.34
Tasa 0.16 annual = 0.01244513791971 mensual 0.077033
nper 36 meses

Pagos $1,241.68

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $40,000.00
1 $1,241.68 $497.81 $743.87 $39,256.13
2 $1,241.68 $488.55 $753.13 $38,503.00
3 $1,241.68 $479.18 $762.50 $37,740.50
4 $1,241.68 $469.69 $771.99 $36,968.50
5 $1,241.68 $460.08 $781.60 $36,186.90
6 $1,241.68 $450.35 $791.33 $35,395.58
7 $1,241.68 $440.50 $801.17 $34,594.40
8 $1,241.68 $430.53 $811.15 $33,783.26
9 $1,241.68 $420.44 $821.24 $32,962.02
10 $1,241.68 $410.22 $831.46 $32,130.56
11 $1,241.68 $399.87 $841.81 $31,288.75
12 $1,241.68 $389.39 $852.28 $30,436.46
13 $1,241.68 $378.79 $862.89 $29,573.57
14 $1,241.68 $368.05 $873.63 $28,699.94
15 $1,241.68 $357.17 $884.50 $27,815.44
16 $1,241.68 $346.17 $895.51 $26,919.93
17 $1,241.68 $335.02 $906.66 $26,013.27
18 $1,241.68 $323.74 $917.94 $25,095.33
19 $1,241.68 $312.31 $929.36 $24,165.97
20 $1,241.68 $300.75 $940.93 $23,225.04
21 $1,241.68 $289.04 $952.64 $22,272.40
22 $1,241.68 $277.18 $964.49 $21,307.91
23 $1,241.68 $265.18 $976.50 $20,331.41
24 $3,241.68 $253.03 $2,988.65 $17,342.76
 25 $1,241.68 $215.83 $1,025.84 $16,316.92
26 $1,241.68 $203.07 $1,038.61 $15,278.30
27 $1,241.68 $190.14 $1,051.54 $14,226.77
28 $1,241.68 $177.05 $1,064.62 $13,162.14
29 $1,241.68 $163.80 $1,077.87 $12,084.27
30 $3,241.68 $150.39 $3,091.29 $8,992.98
31 $1,241.68 $111.92 $1,129.76 $7,863.23
32 $1,241.68 $97.86 $1,143.82 $6,719.41
33 $1,241.68 $83.62 $1,158.05 $5,561.35
34 $1,241.68 $69.21 $1,172.47 $4,388.89
35 $1,241.68 $54.62 $1,187.06 $3,201.83
36 $3,241.68 $39.85 $3,201.83 ($0.00)

Con amortizacion constante

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $40,000.00
1 $1,442.25 $497.81 $944.44 $39,055.56
2 $1,430.50 $486.05 $944.44 $38,111.11
3 $1,418.74 $474.30 $944.44 $37,166.67
4 $1,406.99 $462.54 $944.44 $36,222.22
5 $1,395.23 $450.79 $944.44 $35,277.78
6 $1,383.48 $439.04 $944.44 $34,333.33
7 $1,371.73 $427.28 $944.44 $33,388.89
8 $1,359.97 $415.53 $944.44 $32,444.44
9 $1,348.22 $403.78 $944.44 $31,500.00
10 $1,336.47 $392.02 $944.44 $30,555.56
11 $1,324.71 $380.27 $944.44 $29,611.11
12 $1,312.96 $368.51 $944.44 $28,666.67
13 $1,301.21 $356.76 $944.44 $27,722.22
14 $1,289.45 $345.01 $944.44 $26,777.78
15 $1,277.70 $333.25 $944.44 $25,833.33
16 $1,265.94 $321.50 $944.44 $24,888.89
17 $1,254.19 $309.75 $944.44 $23,944.44
18 $1,242.44 $297.99 $944.44 $23,000.00
19 $1,230.68 $286.24 $944.44 $22,055.56
20 $1,218.93 $274.48 $944.44 $21,111.11
21 $1,207.18 $262.73 $944.44 $20,166.67
22 $1,195.42 $250.98 $944.44 $19,222.22
23 $1,183.67 $239.22 $944.44 $18,277.78
24 $3,171.91 $227.47 $2,944.44 $15,333.33
25 $1,135.27 $190.83 $944.44 $14,388.89
26 $1,123.52 $179.07 $944.44 $13,444.44
27 $1,111.76 $167.32 $944.44 $12,500.00
 28 $1,100.01 $155.56 $944.44 $11,555.56
29 $1,088.25 $143.81 $944.44 $10,611.11
30 $3,076.50 $132.06 $2,944.44 $7,666.67
31 $1,039.86 $95.41 $944.44 $6,722.22
32 $1,028.10 $83.66 $944.44 $5,777.78
33 $1,016.35 $71.91 $944.44 $4,833.33
34 $1,004.60 $60.15 $944.44 $3,888.89
35 $992.84 $48.40 $944.44 $2,944.44
36 $2,981.09 $36.64 $2,944.44 ($0.00)

El valor de la amortizacion mensual es de $944.44

de su valor inicial y la diferencia se cancela en tres años mediante pagos
efectuará tres pagos semestrales vencidos de $2.000 cada uno en el cuatro
valor de los pagos mensuales. b) Si se cambia el método de amortización a
adicionales), determine el valor de la amortización mensual.

semestral
 Determine la cantidad amortizada en el pago número 14, de un crédito por $15.000 que se otorgó a cierto cliente
plazo de 20 años, a una tasa del 18% anual, si se acordó cancelarlo mediante pagos trimestrales que crec

PV $15,000.00
Tasa 0.18 annual = 0.04224663546 trimestral 0.013888 mensual
nper 80 trimestres
Gradiente arit 10

Pagos $451.32

Tabla de amortizacion
Periodo Cuota Interes Amortizacion Saldo
0 $15,000.00
1 $451.32 $633.70 ($182.38) $15,182.38
2 $461.32 $641.40 ($180.09) $15,362.47
3 $471.32 $649.01 ($177.70) $15,540.17
4 $481.32 $656.52 ($175.20) $15,715.38
5 $491.32 $663.92 ($172.61) $15,887.98
6 $501.32 $671.21 ($169.90) $16,057.88
7 $511.32 $678.39 ($167.08) $16,224.96
8 $521.32 $685.45 ($164.13) $16,389.09
9 $531.32 $692.38 ($161.07) $16,550.16
10 $541.32 $699.19 ($157.87) $16,708.03
11 $551.32 $705.86 ($154.54) $16,862.57
12 $561.32 $712.39 ($151.07) $17,013.65
13 $571.32 $718.77 ($147.45) $17,161.10
14 $581.32 $725.00 ($143.68) $17,304.78
15 $591.32 $731.07 ($139.75) $17,444.54
16 $601.32 $736.97 ($135.66) $17,580.19
17 $611.32 $742.70 ($131.39) $17,711.58
18 $621.32 $748.25 ($126.94) $17,838.52
19 $631.32 $753.62 ($122.30) $17,960.82
20 $641.32 $758.78 ($117.47) $18,078.29
21 $651.32 $763.75 ($112.43) $18,190.73
22 $661.32 $768.50 ($107.18) $18,297.91
23 $671.32 $773.02 ($101.71) $18,399.62
24 $681.32 $777.32 ($96.01) $18,495.62
25 $691.32 $781.38 ($90.06) $18,585.68
26 $701.32 $785.18 ($83.87) $18,669.55
27 $711.32 $788.73 ($77.41) $18,746.96
28 $721.32 $792.00 ($70.68) $18,817.64
29 $731.32 $794.98 ($63.67) $18,881.31
30 $741.32 $797.67 ($56.36) $18,937.67
31 $751.32 $800.05 ($48.74) $18,986.40
32 $761.32 $802.11 ($40.80) $19,027.20
33 $771.32 $803.84 ($32.52) $19,059.72
34 $781.32 $805.21 ($23.89) $19,083.61
35 $791.32 $806.22 ($14.90) $19,098.52
36 $801.32 $806.85 ($5.53) $19,104.05
37 $811.32 $807.08 $4.23 $19,099.82
38 $821.32 $806.90 $14.41 $19,085.40
39 $831.32 $806.29 $25.02 $19,060.38
40 $841.32 $805.24 $36.08 $19,024.30
41 $851.32 $803.71 $47.60 $18,976.70
42 $861.32 $801.70 $59.61 $18,917.09
43 $871.32 $799.18 $72.13 $18,844.95
44 $881.32 $796.14 $85.18 $18,759.77
45 $891.32 $792.54 $98.78 $18,661.00
46 $901.32 $788.36 $112.95 $18,548.05
47 $911.32 $783.59 $127.72 $18,420.32
48 $921.32 $778.20 $143.12 $18,277.20
49 $931.32 $772.15 $159.17 $18,118.04
50 $941.32 $765.43 $175.89 $17,942.15
51 $951.32 $758.00 $193.32 $17,748.83
52 $961.32 $749.83 $211.49 $17,537.34
53 $971.32 $740.89 $230.42 $17,306.92
54 $981.32 $731.16 $250.16 $17,056.76
55 $991.32 $720.59 $270.72 $16,786.04
56 $1,001.32 $709.15 $292.16 $16,493.88
57 $1,011.32 $696.81 $314.50 $16,179.37
58 $1,021.32 $683.52 $337.79 $15,841.58
59 $1,031.32 $669.25 $362.06 $15,479.52
60 $1,041.32 $653.96 $387.36 $15,092.16
61 $1,051.32 $637.59 $413.72 $14,678.44
62 $1,061.32 $620.11 $441.20 $14,237.24
63 $1,071.32 $601.48 $469.84 $13,767.40
64 $1,081.32 $581.63 $499.69 $13,267.71
65 $1,091.32 $560.52 $530.80 $12,736.91
66 $1,101.32 $538.09 $563.22 $12,173.69
67 $1,111.32 $514.30 $597.02 $11,576.67
68 $1,121.32 $489.08 $632.24 $10,944.43
69 $1,131.32 $462.37 $668.95 $10,275.48
70 $1,141.32 $434.10 $707.21 $9,568.27
71 $1,151.32 $404.23 $747.09 $8,821.18
72 $1,161.32 $372.67 $788.65 $8,032.53
73 $1,171.32 $339.35 $831.97 $7,200.56
74 $1,181.32 $304.20 $877.12 $6,323.45
75 $1,191.32 $267.14 $924.17 $5,399.28
76 $1,201.32 $228.10 $973.21 $4,426.06
77 $1,211.32 $186.99 $1,024.33 $3,401.73
78 $1,221.32 $143.71 $1,077.60 $2,324.13
79 $1,231.32 $98.19 $1,133.13 $1,191.00
80 $1,241.32 $50.32 $1,191.00 ($0.00)
que se otorgó a cierto cliente de una institución financiera, a un
pagos trimestrales que crecen en $10 cada trimestre.