UNIVERSIDAD CATÓLICA SANTA MARÍA LA ANTIGUA

FACULTAD DE INGENIERÍA Y TECNOLOGÍA

LICENCIATURA EN INGENIERÍA CIVIL

LABORATORIO DE MICROSOFT EXCEL

TABLA DE AMORTIZACIÓN

INTEGRANTES FECHA DE ENTREGA

ALHANA BONILLA 14/7/21
EDUARDO JAÉN
MARCOS MONRROY

PARTE 1: CALCULADORA BANCARIA EN LÍNEA

1. Para un préstamo de $15,000.00 con una tasa del 5% de interés con una
cancelación en 5 años y 6 meses, ¿Cuál será la cuota mensual aproximada?
R/ Cuota mensual de 261.00

2. Usted desea comprar una casa para su familia la cual está valorada en
$117,000.0, desea cancelarla en 7 años y 6 meses con una tasa de interés del
6% de interés. ¿Cuál será la cuota mensual aproximada?
R/ Cuota mensual de 1618.00
3. Usted puede realizar pagos a una cuenta de ahorro a futuro de $50.00 con una
tasa de interés del 2% de interés fijo para utilizarla en 5 años. ¿Cuál será el
monto final aproximado?
R/ Monto final aproximado 2852.00
4. En cuanto tiempo terminará de pagar un préstamo de $20,000.00 con una tasa
de interés del 5.5% de interés fijo con una cuota mensual de $311.00
R/ Tardará 6 años y 5 meses

PARTE 2: TABLA DE AMORTIZACIÓN

Ejemplo
Para un préstamo con valor de 45,000.00, para ser pagado en 60 cuotas a
una tasa de interés de 1%
 Préstamo 45000
No. De Cuotas 60
Interés 1%

No de Cuotas Valor de Cuota Intereses Abono a Capital Saldo

0 45000
1 B/.1,001.00 450 B/.551.00 B/.44,449.00
2 B/.1,001.00 444.4899985 B/.556.51 B/.43,892.49
3 B/.1,001.00 438.9248971 B/.562.08 B/.43,330.41
4 B/.1,001.00 433.3041446 B/.567.70 B/.42,762.72
5 B/.1,001.00 427.6271846 B/.573.37 B/.42,189.35
6 B/.1,001.00 421.893455 B/.579.11 B/.41,610.24
7 B/.1,001.00 416.102388 B/.584.90 B/.41,025.34
8 B/.1,001.00 410.2534105 B/.590.75 B/.40,434.59
9 B/.1,001.00 404.3459431 B/.596.65 B/.39,837.94
10 B/.1,001.00 398.3794011 B/.602.62 B/.39,235.32
11 B/.1,001.00 392.3531936 B/.608.65 B/.38,626.67
12 B/.1,001.00 386.2667241 B/.614.73 B/.38,011.94
13 B/.1,001.00 380.1193899 B/.620.88 B/.37,391.06
14 B/.1,001.00 373.9105823 B/.627.09 B/.36,763.97
15 B/.1,001.00 367.6396867 B/.633.36 B/.36,130.61
16 B/.1,001.00 361.3060821 B/.639.69 B/.35,490.91
17 B/.1,001.00 354.9091415 B/.646.09 B/.34,844.82
18 B/.1,001.00 348.4482314 B/.652.55 B/.34,192.27
19 B/.1,001.00 341.9227123 B/.659.08 B/.33,533.19
20 B/.1,001.00 335.331938 B/.665.67 B/.32,867.53
21 B/.1,001.00 328.6752559 B/.672.32 B/.32,195.20
22 B/.1,001.00 321.952007 B/.679.05 B/.31,516.15
23 B/.1,001.00 315.1615256 B/.685.84 B/.30,830.31
24 B/.1,001.00 308.3031394 B/.692.70 B/.30,137.62
25 B/.1,001.00 301.3761693 B/.699.62 B/.29,437.99
26 B/.1,001.00 294.3799296 B/.706.62 B/.28,731.37
27 B/.1,001.00 287.3137274 B/.713.69 B/.28,017.69
28 B/.1,001.00 280.1768632 B/.720.82 B/.27,296.86
29 B/.1,001.00 272.9686304 B/.728.03 B/.26,568.83
30 B/.1,001.00 265.6883152 B/.735.31 B/.25,833.52
31 B/.1,001.00 258.3351969 B/.742.66 B/.25,090.85
32 B/.1,001.00 250.9085474 B/.750.09 B/.24,340.76
33 B/.1,001.00 243.4076315 B/.757.59 B/.23,583.17
34 B/.1,001.00 235.8317063 B/.765.17 B/.22,818.00
35 B/.1,001.00 228.1800219 B/.772.82 B/.22,045.18
36 B/.1,001.00 220.4518207 B/.780.55 B/.21,264.63
37 B/.1,001.00 212.6463374 B/.788.35 B/.20,476.28
38 B/.1,001.00 204.7627993 B/.796.24 B/.19,680.04
39 B/.1,001.00 196.8004259 B/.804.20 B/.18,875.84
40 B/.1,001.00 188.7584287 B/.812.24 B/.18,063.60
41 B/.1,001.00 180.6360115 B/.820.36 B/.17,243.24
42 B/.1,001.00 172.4323702 B/.828.57 B/.16,414.67
43 B/.1,001.00 164.1466924 B/.836.85 B/.15,577.82
44 B/.1,001.00 155.7781579 B/.845.22 B/.14,732.59
45 B/.1,001.00 147.325938 B/.853.67 B/.13,878.92
46 B/.1,001.00 138.7891959 B/.862.21 B/.13,016.71
47 B/.1,001.00 130.1670864 B/.870.83 B/.12,145.88
48 B/.1,001.00 121.4587558 B/.879.54 B/.11,266.33
49 B/.1,001.00 112.6633419 B/.888.34 B/.10,378.00
50 B/.1,001.00 103.7799739 B/.897.22 B/.9,480.78
51 B/.1,001.00 94.80777216 B/.906.19 B/.8,574.58
52 B/.1,001.00 85.74584843 B/.915.25 B/.7,659.33
53 B/.1,001.00 76.59330545 B/.924.41 B/.6,734.92
54 B/.1,001.00 67.34923705 B/.933.65 B/.5,801.27
55 B/.1,001.00 58.01272796 B/.942.99 B/.4,858.29
56 B/.1,001.00 48.58285378 B/.952.42 B/.3,905.87
57 B/.1,001.00 39.05868086 B/.961.94 B/.2,943.93
58 B/.1,001.00 29.43926621 B/.971.56 B/.1,972.37
59 B/.1,001.00 19.72365742 B/.981.28 B/.991.09
60 B/.1,001.00 9.910892533 B/.991.09 B/.0.00
Problema #1
a. Una deuda de $4000.00 con intereses al 4%, mediante 5 pagos anuales
iguales
Préstamo 4000
No de Cuotas 5
Intereses 4%

No Cuotas Valor de Cuota Intereses Abono a Capital Saldo

0 4000
1 B/.898.50845 160 B/.738.51 B/.3,261.49
2 B/.898.50845 130.4596618 B/.768.05 B/.2,493.44
3 B/.898.50845 99.73771016 B/.798.77 B/.1,694.67
4 B/.898.50845 67.7868804 B/.830.72 B/.863.95
5 B/.898.50845 34.55801746 B/.863.95 B/.0.00

B/.4,492.54 492.5422699 B/.4,000.00

Problema #2
b. Una deuda de $6000.00 con intereses al 6% convertible semestralmente,
mediante 6 pagos semestrales iguales.
Préstamo 6000
No de Cuotas 6
Intereses 3.0%

No Cuotas Valor de Cuota Intereses Abono a Capital Saldo

0 6000
1 B/.1,107.59 180 B/.927.59 B/.5,072.41
2 B/.1,107.59 152.1724499 B/.955.41 B/.4,117.00
3 B/.1,107.59 123.5100733 B/.984.07 B/.3,132.93
4 B/.1,107.59 93.98782545 B/.1,013.60 B/.2,119.33
5 B/.1,107.59 63.57991014 B/.1,044.01 B/.1,075.33
6 B/.1,107.59 32.25975736 B/.1,075.33 B/.0.00

B/.6,645.51 645.5100162 B/.6,000.00