CUOTA FIJA EN PESOS

Una persona solicita a una entidad bancaria un prestamo por 500.000. lo cancelara en pagos trimestrales durante un año,
con amortizacion constante e intereses del 33% nominal trimestre vencido. Elaborar la tabla de amortización

VP 500,000
n 4 trimestres
i 8.25% TRIMESTRAL
A 151,801
FORMULA EXCEL (PAGO) 151,801 100%

PERIODO SALDO INTERESES

0 500,000
1 389,449 41,250
2 269,777 32,130
3 140,232 22,257
4 - 11,569
TOTAL 107,205

RESUMEN
PAGO TOTAL 607,205
INTERESES 107,205
TASA EFECTIVA COBRADA 21.44% EN 1 AÑO
Tasa efectiva o periodica TRIMESTRAL 8.25%

ABONO CONSTANTE A CAPITAL

VP 500,000
n 4 trimestres
i 8.25% TRIMESTRAL
Abono a capital 125,000

PERIODO SALDO INTERESES

0 500,000
1 375,000 41,250
2 250,000 30,938
3 125,000 20,625
4 10,313
TOTAL 103,125

RESUMEN
PAGO TOTAL 603,125
INTERESES 103,125
TASA EFECTIVA COBRADA 20.63% EN 1 AÑO
Tasa efectiva o periodica TRIMESTRAL 8.25%

Seria razonable elegir el sistema de abono constante a capital mas dependiendo de la capacida de pago del deudor al
principio del periodo, este sistema se maneja principalmente para creditos empresariales no para personas naturales
 en pagos trimestrales durante un año,
ar la tabla de amortización

CUOTA AMORTIZACION

151,801 110,551
151,801 119,672
151,801 129,545
151,801 140,232
607,205 500,000

R//Por el tema de la amortización de capital la tasa efectiva cobrada difiere de la tasa del prestamo

CUOTA AMORTIZACION

166,250 125,000
155,938 125,000
145,625 125,000
135,313 125,000
603,125 500,000
 de la capacida de pago del deudor al
resariales no para personas naturales
CUOTA FIJA EN PESOS

Se va a cancelar una deuda por $200.000 en 4 pagos trimestrales, con una tasa de interes del 32% nominal anual,
calcular el valor de los pagos y realizar la tabla de amortizacion.

VP 200,000
n 4 trimestres
i 8.00% TRIMESTRAL
A 60,384
FORMULA EXCEL (PAGO) 60,384

PERIODO SALDO INTERESES

0 200,000
1 155,616 16,000
2 107,681 12,449
3 55,911 8,614
4 - 4,473
TOTAL 41,537

RESUMEN
PAGO TOTAL 241,537
INTERESES 41,537
TASA EFECTIVA COBRADA 20.77% EN 1 AÑO
Tasa efectiva o periodica TRIMESTRAL 8.00%

CUOTA EXTRA PACTADA

CUOTA EXTRA PACTADA 50,000
TRIMESTRE 3

VP 200,000
n 4 trimestres
i 8.00% TRIMESTRAL
A 48,400
FORMULA EXCEL (PAGO) 48,400 100%

PERIODO SALDO INTERESES

0 200,000
1 167,600 16,000
2 132,607 13,408
3 44,815 10,609
4 - 3,585
TOTAL 43,602
 0.218008749005795
CUOTA EXTRA NO PACTADA

Una deuda de $600.000 se va a cancelar en 7 pagos semestrales con un interes del 9% efectivo semestral. Si al
momento de efectuar el pago No. 3 se efectua un abono extraordinario, no pactado de $250.000 se pide:

a. Tabla de amortizacion sin abonos

VP 600,000
n 7 semestres
i 9.00% semestral
A 119,214
FORMULA EXCEL (PAGO) 119,214

PERIODO SALDO INTERESES

0 600,000
1 534,786 54,000
2 463,702 48,131
3 386,221 41,733
4 301,767 34,760
5 209,711 27,159
6 109,371 18,874
7 0 9,843
TOTAL 234,500
Interes cobrado

b. Tabla de amortizacion con abono, sin reliquidar cuota

Abono extraordinario 250,000

Semestre 3

PERIODO SALDO INTERESES

0 600,000
1 534,786 54,000
2 463,702 48,131
3 136,221 41,733
4 29,267 12,260
5 - 2,634
6 - -
7 - -
 TOTAL 158,758
Interes cobrado
a. Tabla de amortizacion con abono, reliquidando cuota

VP 136,221
n 4 trimestres
i 9.00% TRIMESTRAL
A 42,047
FORMULA EXCEL (PAGO) 42,047

PERIODO SALDO INTERESES

0 600,000
1 534,786 54,000
2 463,702 48,131
3 136,221 41,733
4 106,434 12,260
5 73,966 9,579
6 38,575 6,657
7 - 3,472
TOTAL 175,832

Interes cobrado 29%

de interes del 32% nominal anual,

CUOTA AMORTIZACION

60,384 44,384
60,384 47,935
60,384 51,770
60,384 55,911
241,537 200,000

Ajusto la formula de anualidad, restando a VP el abono

CUOTA AMORTIZACION

48,400 32,400
48,400 34,992
98,400 87,792
48,400 44,815
243,602 200,000
del 9% efectivo semestral. Si al
tado de $250.000 se pide:

CUOTA AMORTIZACION

119,214 65,214
119,214 71,084
119,214 77,481
119,214 84,454
119,214 92,055
119,214 100,340
119,214 109,371
834,500 600,000
39%

CUOTA AMORTIZACION

119,214 65,214 Cuota periodo 5: intereses + saldo de la deuda.

119,214 71,084
369,214 327,481 Conclusión: disminuye el plazo
119,214 106,954
31,901 29,267
-
-
 758,758 600,000
0.26

Se calcula nuevamente el valor del pago con el saldo pendiente luego

CUOTA AMORTIZACION

119,214 65,214
119,214 71,084
369,214 327,481 Conclusión: se mantiene el plazo, disminuye la cuota
42,047 29,787
42,047 32,468
42,047 35,390
42,047 38,575
775,832 600,000
, restando a VP el abono llevado a valor presente.
el saldo pendiente luego del abono y por el tiempo restante.
 VALOR PRESENTE GRADIENTE ARITMETICO CRECIENTE VENCIDO (HALLAR VP)

Calcular el valor presente de una obligación que va a ser pagada mediante 24 pagos de $200,000 a una tasa de interes mens
1%.

A 200,000
N 24
i 1.00%
VP 4,248,677
VP (FORMULA EXCEL VA) 4,248,677

DISTRIBUCION DE UN PAGO

HALLAR LA DISTRIBUCION DEL PAGO NUMERO 19, EN UNA AMORTIZACION DE $4,248,677, MEDIANTE PAGOS MENSUALES D
2 AÑOS, SUPONIENDO UNA TASA DEL 12% NOMINAL ANUAL

VP 4,248,677
n 24
i 1.00%
A 200,000
FORMULA EXCEL (PAGO) 200,000

SALDO DEUDA EN PERIODO 18 1,159,095

N 18
CALCULO VALOR EN AUSENCIA PAGOS (Cuota 124) 5,082,045
VALOR FUTURO PAGADO EN CUOTA 18 3,922,950

INTERESES 11,591
ABONO CAPITAL 188,409
CUOTA 18 200,000

VALIDACION:

PERIODO SALDO
0 4,248,677
1 4,091,164
2 3,932,076
 3 3,771,397
4 3,609,111
5 3,445,202
6 3,279,654
7 3,112,450
8 2,943,575
9 2,773,011
10 2,600,741
11 2,426,748
12 2,251,015
13 2,073,526
14 1,894,261
15 1,713,204
16 1,530,336
17 1,345,639
18 1,159,095
19 970,686
20 780,393
21 588,197
22 394,079
23 198,020
24 0
ENTE VENCIDO (HALLAR VP)

4 pagos de $200,000 a una tasa de interes mensual del

meses
mensual

GO

E $4,248,677, MEDIANTE PAGOS MENSUALES DURANTE

% NOMINAL ANUAL

meses
mensual
mensual

INTERESES CUOTA AMORTIZACION

42,486.77 200,000 157,513

40,911.64 200,000 159,088
39,320.76 200,000 160,679
37,713.97 200,000 162,286
36,091.11 200,000 163,909
34,452.02 200,000 165,548
32,796.54 200,000 167,203
31,124.50 200,000 168,875
29,435.75 200,000 170,564
27,730.11 200,000 172,270
26,007.41 200,000 173,993
24,267.48 200,000 175,733
22,510.15 200,000 177,490
20,735.26 200,000 179,265
18,942.61 200,000 181,057
17,132.04 200,000 182,868
15,303.36 200,000 184,697
13,456.39 200,000 186,544
11,590.95 200,000 188,409
9,706.86 200,000 190,293
7,803.93 200,000 192,196
5,881.97 200,000 194,118
3,940.79 200,000 196,059
1,980.20 200,000 198,020
 DATOS
VALOR DE LA UVR 8 MAYO 2021 $ 279.90
TASA DE INFLACION PROYECTADA 3.50%
TASA DE INFLACION MENSUAL 0.29%
TASA DE INTERES E.A. 6.05%
TASA DE INTERES MENSUAL 0.49%
VALOR VIVIENDA $ 190,000,000
VALOR PRESTAMO $ 133,000,000
VALOR PRESTAMO UVR 475,170
TIEMPO EN AÑOS 15
TIEMPO EN MESES 180
CUOTA FIJA UVR 3,981

TABLA DE AMORTIZACION EN U.V.R. TABLA DE AMORTIZ

MES VALOR CUOTA CAPITAL INTERESES SALDO CUOTA
UVR
0 279.90 475,170
1 280.70 3,981 1,649 2,332 473,520 $ 1,117,529
2 281.51 3,981 1,658 2,324 471,863 $ 1,120,737
3 282.32 3,981 1,666 2,315 470,197 $ 1,123,955
4 283.13 3,981 1,674 2,307 468,523 $ 1,127,182
5 283.94 3,981 1,682 2,299 466,841 $ 1,130,418
6 284.76 3,981 1,690 2,291 465,151 $ 1,133,663
7 285.57 3,981 1,699 2,283 463,452 $ 1,136,918
8 286.39 3,981 1,707 2,274 461,745 $ 1,140,182
9 287.22 3,981 1,715 2,266 460,030 $ 1,143,455
10 288.04 3,981 1,724 2,257 458,306 $ 1,146,738
11 288.87 3,981 1,732 2,249 456,573 $ 1,150,030
12 289.70 3,981 1,741 2,240 454,833 $ 1,153,332
13 290.53 3,981 1,749 2,232 453,083 $ 1,156,643
14 291.36 3,981 1,758 2,223 451,326 $ 1,159,963
15 292.20 3,981 1,766 2,215 449,559 $ 1,163,293
16 293.04 3,981 1,775 2,206 447,784 $ 1,166,633
17 293.88 3,981 1,784 2,197 446,000 $ 1,169,982
18 294.72 3,981 1,793 2,189 444,207 $ 1,173,341
19 295.57 3,981 1,801 2,180 442,406 $ 1,176,710
20 296.42 3,981 1,810 2,171 440,596 $ 1,180,088
21 297.27 3,981 1,819 2,162 438,777 $ 1,183,476
22 298.12 3,981 1,828 2,153 436,948 $ 1,186,874
23 298.98 3,981 1,837 2,144 435,111 $ 1,190,281
24 299.84 3,981 1,846 2,135 433,265 $ 1,193,698
25 300.70 3,981 1,855 2,126 431,410 $ 1,197,125
26 301.56 3,981 1,864 2,117 429,546 $ 1,200,562
27 302.43 3,981 1,873 2,108 427,673 $ 1,204,009
28 303.29 3,981 1,883 2,099 425,790 $ 1,207,465
29 304.16 3,981 1,892 2,089 423,898 $ 1,210,932
30 305.04 3,981 1,901 2,080 421,997 $ 1,214,408
31 305.91 3,981 1,910 2,071 420,087 $ 1,217,895
32 306.79 3,981 1,920 2,061 418,167 $ 1,221,391
33 307.67 3,981 1,929 2,052 416,238 $ 1,224,898
34 308.56 3,981 1,939 2,042 414,299 $ 1,228,414
35 309.44 3,981 1,948 2,033 412,351 $ 1,231,941
36 310.33 3,981 1,958 2,023 410,393 $ 1,235,478
37 311.22 3,981 1,967 2,014 408,426 $ 1,239,025
38 312.11 3,981 1,977 2,004 406,449 $ 1,242,582
39 313.01 3,981 1,987 1,994 404,462 $ 1,246,149
40 313.91 3,981 1,996 1,985 402,466 $ 1,249,727
41 314.81 3,981 2,006 1,975 400,459 $ 1,253,314
42 315.71 3,981 2,016 1,965 398,443 $ 1,256,912
43 316.62 3,981 2,026 1,955 396,417 $ 1,260,521
44 317.53 3,981 2,036 1,945 394,381 $ 1,264,140
45 318.44 3,981 2,046 1,935 392,335 $ 1,267,769
46 319.36 3,981 2,056 1,925 390,279 $ 1,271,409
47 320.27 3,981 2,066 1,915 388,213 $ 1,275,059
48 321.19 3,981 2,076 1,905 386,137 $ 1,278,719
49 322.11 3,981 2,086 1,895 384,051 $ 1,282,390
50 323.04 3,981 2,097 1,885 381,954 $ 1,286,072
51 323.97 3,981 2,107 1,874 379,847 $ 1,289,764
52 324.90 3,981 2,117 1,864 377,730 $ 1,293,467
53 325.83 3,981 2,128 1,854 375,602 $ 1,297,180
54 326.76 3,981 2,138 1,843 373,464 $ 1,300,904
55 327.70 3,981 2,149 1,833 371,316 $ 1,304,639
56 328.64 3,981 2,159 1,822 369,157 $ 1,308,385
57 329.59 3,981 2,170 1,811 366,987 $ 1,312,141
58 330.53 3,981 2,180 1,801 364,807 $ 1,315,908
59 331.48 3,981 2,191 1,790 362,616 $ 1,319,686
60 332.43 3,981 2,202 1,779 360,414 $ 1,323,474
61 333.39 3,981 2,213 1,769 358,201 $ 1,327,274
62 334.34 3,981 2,223 1,758 355,978 $ 1,331,084
63 335.30 3,981 2,234 1,747 353,743 $ 1,334,906
64 336.27 3,981 2,245 1,736 351,498 $ 1,338,738
65 337.23 3,981 2,256 1,725 349,242 $ 1,342,582
66 338.20 3,981 2,267 1,714 346,974 $ 1,346,436
67 339.17 3,981 2,279 1,703 344,696 $ 1,350,302
68 340.15 3,981 2,290 1,691 342,406 $ 1,354,178
69 341.12 3,981 2,301 1,680 340,105 $ 1,358,066
70 342.10 3,981 2,312 1,669 337,793 $ 1,361,965
71 343.08 3,981 2,324 1,658 335,469 $ 1,365,875
72 344.07 3,981 2,335 1,646 333,134 $ 1,369,796
73 345.06 3,981 2,346 1,635 330,788 $ 1,373,729
74 346.05 3,981 2,358 1,623 328,430 $ 1,377,672
75 347.04 3,981 2,370 1,612 326,060 $ 1,381,628
76 348.04 3,981 2,381 1,600 323,679 $ 1,385,594
77 349.04 3,981 2,393 1,588 321,286 $ 1,389,572
78 350.04 3,981 2,405 1,577 318,881 $ 1,393,561
79 351.04 3,981 2,416 1,565 316,465 $ 1,397,562
80 352.05 3,981 2,428 1,553 314,037 $ 1,401,574
81 353.06 3,981 2,440 1,541 311,597 $ 1,405,598
82 354.08 3,981 2,452 1,529 309,144 $ 1,409,633
83 355.09 3,981 2,464 1,517 306,680 $ 1,413,680
84 356.11 3,981 2,476 1,505 304,204 $ 1,417,739
85 357.13 3,981 2,488 1,493 301,715 $ 1,421,809
86 358.16 3,981 2,501 1,481 299,215 $ 1,425,891
87 359.19 3,981 2,513 1,468 296,702 $ 1,429,985
88 360.22 3,981 2,525 1,456 294,177 $ 1,434,090
89 361.25 3,981 2,538 1,444 291,639 $ 1,438,207
90 362.29 3,981 2,550 1,431 289,089 $ 1,442,336
91 363.33 3,981 2,563 1,419 286,526 $ 1,446,477
92 364.37 3,981 2,575 1,406 283,951 $ 1,450,629
93 365.42 3,981 2,588 1,393 281,363 $ 1,454,794
94 366.47 3,981 2,601 1,381 278,763 $ 1,458,971
95 367.52 3,981 2,613 1,368 276,150 $ 1,463,159
96 368.57 3,981 2,626 1,355 273,523 $ 1,467,360
97 369.63 3,981 2,639 1,342 270,885 $ 1,471,572
98 370.69 3,981 2,652 1,329 268,233 $ 1,475,797
99 371.76 3,981 2,665 1,316 265,568 $ 1,480,034
100 372.83 3,981 2,678 1,303 262,890 $ 1,484,283
101 373.90 3,981 2,691 1,290 260,198 $ 1,488,544
102 374.97 3,981 2,704 1,277 257,494 $ 1,492,818
103 376.05 3,981 2,718 1,264 254,776 $ 1,497,103
104 377.13 3,981 2,731 1,250 252,045 $ 1,501,402
105 378.21 3,981 2,744 1,237 249,301 $ 1,505,712
106 379.29 3,981 2,758 1,223 246,543 $ 1,510,035
107 380.38 3,981 2,771 1,210 243,772 $ 1,514,370
108 381.47 3,981 2,785 1,196 240,987 $ 1,518,717
109 382.57 3,981 2,799 1,183 238,188 $ 1,523,077
110 383.67 3,981 2,812 1,169 235,376 $ 1,527,450
111 384.77 3,981 2,826 1,155 232,550 $ 1,531,835
112 385.87 3,981 2,840 1,141 229,710 $ 1,536,233
113 386.98 3,981 2,854 1,127 226,856 $ 1,540,643
114 388.09 3,981 2,868 1,113 223,988 $ 1,545,066
115 389.21 3,981 2,882 1,099 221,106 $ 1,549,502
116 390.32 3,981 2,896 1,085 218,209 $ 1,553,951
117 391.45 3,981 2,910 1,071 215,299 $ 1,558,412
118 392.57 3,981 2,925 1,056 212,374 $ 1,562,886
119 393.70 3,981 2,939 1,042 209,435 $ 1,567,373
120 394.83 3,981 2,953 1,028 206,482 $ 1,571,872
121 395.96 3,981 2,968 1,013 203,514 $ 1,576,385
122 397.10 3,981 2,983 999 200,531 $ 1,580,911
123 398.24 3,981 2,997 984 197,534 $ 1,585,449
124 399.38 3,981 3,012 969 194,522 $ 1,590,001
125 400.53 3,981 3,027 955 191,496 $ 1,594,566
126 401.68 3,981 3,041 940 188,454 $ 1,599,144
127 402.83 3,981 3,056 925 185,398 $ 1,603,735
128 403.99 3,981 3,071 910 182,326 $ 1,608,339
129 405.15 3,981 3,086 895 179,240 $ 1,612,956
130 406.31 3,981 3,102 880 176,138 $ 1,617,587
131 407.48 3,981 3,117 864 173,021 $ 1,622,231
132 408.65 3,981 3,132 849 169,889 $ 1,626,888
133 409.82 3,981 3,148 834 166,742 $ 1,631,559
134 411.00 3,981 3,163 818 163,579 $ 1,636,243
135 412.18 3,981 3,178 803 160,400 $ 1,640,940
136 413.36 3,981 3,194 787 157,206 $ 1,645,651
137 414.55 3,981 3,210 771 153,996 $ 1,650,376
138 415.74 3,981 3,226 756 150,771 $ 1,655,114
139 416.93 3,981 3,241 740 147,530 $ 1,659,865
140 418.13 3,981 3,257 724 144,272 $ 1,664,631
141 419.33 3,981 3,273 708 140,999 $ 1,669,410
142 420.53 3,981 3,289 692 137,710 $ 1,674,202
143 421.74 3,981 3,305 676 134,404 $ 1,679,009
144 422.95 3,981 3,322 660 131,083 $ 1,683,829
145 424.16 3,981 3,338 643 127,745 $ 1,688,663
146 425.38 3,981 3,354 627 124,391 $ 1,693,511
147 426.60 3,981 3,371 610 121,020 $ 1,698,373
148 427.83 3,981 3,387 594 117,632 $ 1,703,249
149 429.05 3,981 3,404 577 114,229 $ 1,708,139
150 430.29 3,981 3,421 561 110,808 $ 1,713,043
151 431.52 3,981 3,437 544 107,370 $ 1,717,961
152 432.76 3,981 3,454 527 103,916 $ 1,722,893
153 434.00 3,981 3,471 510 100,445 $ 1,727,839
154 435.25 3,981 3,488 493 96,957 $ 1,732,799
155 436.50 3,981 3,505 476 93,451 $ 1,737,774
156 437.75 3,981 3,523 459 89,929 $ 1,742,763
157 439.01 3,981 3,540 441 86,389 $ 1,747,766
158 440.27 3,981 3,557 424 82,831 $ 1,752,784
159 441.53 3,981 3,575 406 79,257 $ 1,757,816
160 442.80 3,981 3,592 389 75,664 $ 1,762,863
161 444.07 3,981 3,610 371 72,055 $ 1,767,924
162 445.35 3,981 3,628 354 68,427 $ 1,772,999
 163 446.62 3,981 3,645 336 64,782 $ 1,778,089
164 447.91 3,981 3,663 318 61,118 $ 1,783,194
165 449.19 3,981 3,681 300 57,437 $ 1,788,313
166 450.48 3,981 3,699 282 53,738 $ 1,793,447
167 451.78 3,981 3,717 264 50,020 $ 1,798,596
168 453.07 3,981 3,736 245 46,285 $ 1,803,760
169 454.37 3,981 3,754 227 42,530 $ 1,808,938
170 455.68 3,981 3,772 209 38,758 $ 1,814,132
171 456.99 3,981 3,791 190 34,967 $ 1,819,340
172 458.30 3,981 3,810 172 31,157 $ 1,824,563
173 459.61 3,981 3,828 153 27,329 $ 1,829,801
174 460.93 3,981 3,847 134 23,482 $ 1,835,054
175 462.26 3,981 3,866 115 19,616 $ 1,840,322
176 463.58 3,981 3,885 96 15,731 $ 1,845,606
177 464.91 3,981 3,904 77 11,827 $ 1,850,904
178 466.25 3,981 3,923 58 7,904 $ 1,856,218
179 467.59 3,981 3,942 39 3,962 $ 1,861,547
180 468.93 3,981 3,962 19 (0) $ 1,866,891
TOTALES $ 262,887,010
TABLA DE AMORTIZACION EN PESOS
CAPITAL INTERESES SALDO

$ 133,000,000
$ 463,019 $ 654,510 $ 132,918,811
$ 466,627 $ 654,111 $ 132,833,780
$ 470,263 $ 653,692 $ 132,744,870
$ 473,927 $ 653,255 $ 132,652,040
$ 477,620 $ 652,798 $ 132,555,250
$ 481,342 $ 652,322 $ 132,454,462
$ 485,092 $ 651,826 $ 132,349,633
$ 488,872 $ 651,310 $ 132,240,723
$ 492,681 $ 650,774 $ 132,127,692
$ 496,520 $ 650,217 $ 132,010,496
$ 500,389 $ 649,641 $ 131,889,096
$ 504,288 $ 649,043 $ 131,763,448
$ 508,218 $ 648,425 $ 131,633,510
$ 512,178 $ 647,786 $ 131,499,239
$ 516,169 $ 647,125 $ 131,360,591
$ 520,191 $ 646,442 $ 131,217,523
$ 524,244 $ 645,738 $ 131,069,991
$ 528,329 $ 645,012 $ 130,917,951
$ 532,446 $ 644,264 $ 130,761,358
$ 536,594 $ 643,494 $ 130,600,166
$ 540,776 $ 642,700 $ 130,434,330
$ 544,989 $ 641,884 $ 130,263,804
$ 549,236 $ 641,045 $ 130,088,543
$ 553,516 $ 640,183 $ 129,908,498
$ 557,829 $ 639,296 $ 129,723,624
$ 562,175 $ 638,387 $ 129,533,872
$ 566,556 $ 637,453 $ 129,339,195
$ 570,970 $ 636,495 $ 129,139,544
$ 575,419 $ 635,512 $ 128,934,871
$ 579,903 $ 634,505 $ 128,725,127
$ 584,422 $ 633,473 $ 128,510,262
$ 588,975 $ 632,416 $ 128,290,227
$ 593,565 $ 631,333 $ 128,064,970
$ 598,190 $ 630,224 $ 127,834,442
$ 602,851 $ 629,090 $ 127,598,591
$ 607,548 $ 627,929 $ 127,357,365
$ 612,282 $ 626,742 $ 127,110,712
$ 617,053 $ 625,528 $ 126,858,581
$ 621,861 $ 624,287 $ 126,600,918
$ 626,707 $ 623,019 $ 126,337,669
$ 631,590 $ 621,724 $ 126,068,781
$ 636,512 $ 620,401 $ 125,794,200
$ 641,471 $ 619,050 $ 125,513,871
$ 646,470 $ 617,670 $ 125,227,739
$ 651,507 $ 616,262 $ 124,935,748
$ 656,584 $ 614,825 $ 124,637,842
$ 661,700 $ 613,359 $ 124,333,965
$ 666,856 $ 611,864 $ 124,024,059
$ 672,052 $ 610,338 $ 123,708,068
$ 677,289 $ 608,783 $ 123,385,933
$ 682,566 $ 607,198 $ 123,057,595
$ 687,885 $ 605,582 $ 122,722,997
$ 693,245 $ 603,936 $ 122,382,077
$ 698,646 $ 602,258 $ 122,034,777
$ 704,090 $ 600,549 $ 121,681,036
$ 709,577 $ 598,808 $ 121,320,794
$ 715,106 $ 597,035 $ 120,953,988
$ 720,678 $ 595,230 $ 120,580,557
$ 726,293 $ 593,392 $ 120,200,438
$ 731,953 $ 591,522 $ 119,813,569
$ 737,656 $ 589,618 $ 119,419,885
$ 743,404 $ 587,681 $ 119,019,324
$ 749,196 $ 585,709 $ 118,611,820
$ 755,034 $ 583,704 $ 118,197,308
$ 760,917 $ 581,664 $ 117,775,723
$ 766,847 $ 579,590 $ 117,346,999
$ 772,822 $ 577,480 $ 116,911,069
$ 778,844 $ 575,334 $ 116,467,865
$ 784,912 $ 573,153 $ 116,017,320
$ 791,029 $ 570,936 $ 115,559,365
$ 797,192 $ 568,683 $ 115,093,932
$ 803,404 $ 566,392 $ 114,620,951
$ 809,664 $ 564,065 $ 114,140,352
$ 815,973 $ 561,699 $ 113,652,065
$ 822,331 $ 559,296 $ 113,156,017
$ 828,739 $ 556,855 $ 112,652,138
$ 835,196 $ 554,376 $ 112,140,354
$ 841,704 $ 551,857 $ 111,620,594
$ 848,263 $ 549,299 $ 111,092,782
$ 854,872 $ 546,702 $ 110,556,846
$ 861,534 $ 544,065 $ 110,012,710
$ 868,247 $ 541,387 $ 109,460,299
$ 875,012 $ 538,668 $ 108,899,536
$ 881,830 $ 535,909 $ 108,330,345
$ 888,701 $ 533,108 $ 107,752,649
$ 895,626 $ 530,265 $ 107,166,370
$ 902,605 $ 527,380 $ 106,571,429
$ 909,638 $ 524,452 $ 105,967,746
$ 916,726 $ 521,481 $ 105,355,243
$ 923,869 $ 518,467 $ 104,733,838
$ 931,068 $ 515,409 $ 104,103,450
$ 938,323 $ 512,307 $ 103,463,997
$ 945,634 $ 509,160 $ 102,815,398
$ 953,003 $ 505,968 $ 102,157,568
$ 960,429 $ 502,731 $ 101,490,423
$ 967,912 $ 499,447 $ 100,813,879
$ 975,454 $ 496,118 $ 100,127,851
$ 983,055 $ 492,742 $ 99,432,253
$ 990,715 $ 489,319 $ 98,726,998
$ 998,435 $ 485,848 $ 98,011,999
$ 1,006,215 $ 482,330 $ 97,287,167
$ 1,014,055 $ 478,763 $ 96,552,413
$ 1,021,957 $ 475,147 $ 95,807,649
$ 1,029,920 $ 471,482 $ 95,052,783
$ 1,037,945 $ 467,767 $ 94,287,725
$ 1,046,033 $ 464,002 $ 93,512,383
$ 1,054,183 $ 460,187 $ 92,726,664
$ 1,062,397 $ 456,320 $ 91,930,476
$ 1,070,676 $ 452,402 $ 91,123,723
$ 1,079,018 $ 448,432 $ 90,306,312
$ 1,087,426 $ 444,409 $ 89,478,146
$ 1,095,899 $ 440,334 $ 88,639,129
$ 1,104,439 $ 436,205 $ 87,789,164
$ 1,113,045 $ 432,022 $ 86,928,153
$ 1,121,717 $ 427,785 $ 86,055,998
$ 1,130,458 $ 423,493 $ 85,172,598
$ 1,139,266 $ 419,145 $ 84,277,853
$ 1,148,144 $ 414,742 $ 83,371,663
$ 1,157,090 $ 410,283 $ 82,453,925
$ 1,166,106 $ 405,766 $ 81,524,535
$ 1,175,192 $ 401,193 $ 80,583,392
$ 1,184,350 $ 396,561 $ 79,630,389
$ 1,193,578 $ 391,871 $ 78,665,422
$ 1,202,878 $ 387,123 $ 77,688,384
$ 1,212,251 $ 382,315 $ 76,699,168
$ 1,221,697 $ 377,447 $ 75,697,666
$ 1,231,217 $ 372,518 $ 74,683,770
$ 1,240,810 $ 367,528 $ 73,657,369
$ 1,250,479 $ 362,477 $ 72,618,353
$ 1,260,223 $ 357,364 $ 71,566,610
$ 1,270,042 $ 352,189 $ 70,502,029
$ 1,279,938 $ 346,950 $ 69,424,494
$ 1,289,912 $ 341,647 $ 68,333,893
$ 1,299,963 $ 336,280 $ 67,230,110
$ 1,310,092 $ 330,848 $ 66,113,029
$ 1,320,300 $ 325,351 $ 64,982,532
$ 1,330,588 $ 319,787 $ 63,838,502
$ 1,340,956 $ 314,158 $ 62,680,820
$ 1,351,405 $ 308,460 $ 61,509,365
$ 1,361,935 $ 302,696 $ 60,324,017
$ 1,372,547 $ 296,862 $ 59,124,654
$ 1,383,242 $ 290,960 $ 57,911,153
$ 1,394,021 $ 284,988 $ 56,683,389
$ 1,404,883 $ 278,946 $ 55,441,239
$ 1,415,830 $ 272,833 $ 54,184,575
$ 1,426,862 $ 266,649 $ 52,913,272
$ 1,437,980 $ 260,393 $ 51,627,200
$ 1,449,185 $ 254,064 $ 50,326,232
$ 1,460,477 $ 247,662 $ 49,010,236
$ 1,471,857 $ 241,186 $ 47,679,083
$ 1,483,326 $ 234,635 $ 46,332,639
$ 1,494,884 $ 228,009 $ 44,970,771
$ 1,506,532 $ 221,307 $ 43,593,346
$ 1,518,271 $ 214,528 $ 42,200,227
$ 1,530,101 $ 207,673 $ 40,791,278
$ 1,542,024 $ 200,739 $ 39,366,362
$ 1,554,039 $ 193,727 $ 37,925,339
$ 1,566,149 $ 186,635 $ 36,468,070
$ 1,578,352 $ 179,464 $ 34,994,414
$ 1,590,651 $ 172,212 $ 33,504,229
$ 1,603,045 $ 164,879 $ 31,997,371
$ 1,615,536 $ 157,463 $ 30,473,697
$ 1,628,124 $ 149,965 $ 28,933,059
$ 1,640,811 $ 142,383 $ 27,375,312
$ 1,653,596 $ 134,717 $ 25,800,308
$ 1,666,481 $ 126,967 $ 24,207,897
$ 1,679,466 $ 119,130 $ 22,597,930
$ 1,692,553 $ 111,207 $ 20,970,254
$ 1,705,741 $ 103,197 $ 19,324,716
$ 1,719,032 $ 95,099 $ 17,661,163
$ 1,732,427 $ 86,913 $ 15,979,440
$ 1,745,926 $ 78,637 $ 14,279,389
$ 1,759,530 $ 70,271 $ 12,560,854
$ 1,773,241 $ 61,814 $ 10,823,674
$ 1,787,058 $ 53,265 $ 9,067,690
$ 1,800,983 $ 44,623 $ 7,292,740
$ 1,815,016 $ 35,889 $ 5,498,661
$ 1,829,158 $ 27,060 $ 3,685,288
$ 1,843,411 $ 18,136 $ 1,852,457
$ 1,857,775 $ 9,116 $ (0)
$ 180,855,636 $ 82,031,374
DATOS
VALOR DE LA UVR 8 MAYO 2021 279.9
TASA DE INFLACION 3.50%
TASA DE INFLACION MENSUAL 0.29%
TASA DE INTERES E.A. 6.05%
TASA DE INTERES MENSUAL 0.49%
VALOR VIVIENDA 190,000,000
VALOR PRESTAMO 133,000,000
VALOR PRESTAMO UVR 475,170
TIEMPO EN AÑOS 15
TIEMPO EN MESES 180

TABLA DE AMORTIZACION EN U.V.R. TABLA DE AMORTIZAC

MES VALOR UVR CUOTA CAPITAL INTERESES SALDO CUOTA
0 280 475,170
1 280.70 4,972 2,640 2,332 472,530 $ 1,395,520
2 281.51 4,959 2,640 2,319 469,890 $ 1,395,880
3 282.32 4,946 2,640 2,306 467,250 $ 1,396,230
4 283.13 4,933 2,640 2,293 464,610 $ 1,396,571
5 283.94 4,920 2,640 2,280 461,971 $ 1,396,903
6 284.76 4,907 2,640 2,267 459,331 $ 1,397,224
7 285.57 4,894 2,640 2,254 456,691 $ 1,397,536
8 286.39 4,881 2,640 2,241 454,051 $ 1,397,839
9 287.22 4,868 2,640 2,228 451,411 $ 1,398,131
10 288.04 4,855 2,640 2,215 448,771 $ 1,398,414
11 288.87 4,842 2,640 2,202 446,132 $ 1,398,687
12 289.70 4,829 2,640 2,189 443,492 $ 1,398,950
13 290.53 4,816 2,640 2,176 440,852 $ 1,399,202
14 291.36 4,803 2,640 2,163 438,212 $ 1,399,445
15 292.20 4,790 2,640 2,150 435,572 $ 1,399,678
16 293.04 4,777 2,640 2,137 432,932 $ 1,399,900
17 293.88 4,764 2,640 2,124 430,293 $ 1,400,112
18 294.72 4,751 2,640 2,111 427,653 $ 1,400,314
19 295.57 4,738 2,640 2,099 425,013 $ 1,400,505
20 296.42 4,725 2,640 2,086 422,373 $ 1,400,686
21 297.27 4,712 2,640 2,073 419,733 $ 1,400,857
22 298.12 4,699 2,640 2,060 417,093 $ 1,401,017
23 298.98 4,687 2,640 2,047 414,454 $ 1,401,166
24 299.84 4,674 2,640 2,034 411,814 $ 1,401,305
25 300.70 4,661 2,640 2,021 409,174 $ 1,401,433
26 301.56 4,648 2,640 2,008 406,534 $ 1,401,550
27 302.43 4,635 2,640 1,995 403,894 $ 1,401,656
28 303.29 4,622 2,640 1,982 401,254 $ 1,401,751
29 304.16 4,609 2,640 1,969 398,615 $ 1,401,835
30 305.04 4,596 2,640 1,956 395,975 $ 1,401,908
31 305.91 4,583 2,640 1,943 393,335 $ 1,401,970
32 306.79 4,570 2,640 1,930 390,695 $ 1,402,021
33 307.67 4,557 2,640 1,917 388,055 $ 1,402,061
34 308.56 4,544 2,640 1,904 385,415 $ 1,402,089
35 309.44 4,531 2,640 1,891 382,776 $ 1,402,106
36 310.33 4,518 2,640 1,878 380,136 $ 1,402,111
37 311.22 4,505 2,640 1,865 377,496 $ 1,402,105
38 312.11 4,492 2,640 1,852 374,856 $ 1,402,087
39 313.01 4,479 2,640 1,839 372,216 $ 1,402,058
40 313.91 4,466 2,640 1,826 369,576 $ 1,402,017
41 314.81 4,453 2,640 1,814 366,937 $ 1,401,964
42 315.71 4,440 2,640 1,801 364,297 $ 1,401,899
43 316.62 4,427 2,640 1,788 361,657 $ 1,401,822
44 317.53 4,414 2,640 1,775 359,017 $ 1,401,733
45 318.44 4,402 2,640 1,762 356,377 $ 1,401,633
46 319.36 4,389 2,640 1,749 353,737 $ 1,401,520
47 320.27 4,376 2,640 1,736 351,098 $ 1,401,395
48 321.19 4,363 2,640 1,723 348,458 $ 1,401,257
49 322.11 4,350 2,640 1,710 345,818 $ 1,401,108
50 323.04 4,337 2,640 1,697 343,178 $ 1,400,945
51 323.97 4,324 2,640 1,684 340,538 $ 1,400,771
52 324.90 4,311 2,640 1,671 337,898 $ 1,400,584
53 325.83 4,298 2,640 1,658 335,259 $ 1,400,384
54 326.76 4,285 2,640 1,645 332,619 $ 1,400,171
55 327.70 4,272 2,640 1,632 329,979 $ 1,399,946
56 328.64 4,259 2,640 1,619 327,339 $ 1,399,708
57 329.59 4,246 2,640 1,606 324,699 $ 1,399,457
58 330.53 4,233 2,640 1,593 322,059 $ 1,399,193
59 331.48 4,220 2,640 1,580 319,420 $ 1,398,916
60 332.43 4,207 2,640 1,567 316,780 $ 1,398,626
61 333.39 4,194 2,640 1,554 314,140 $ 1,398,323
62 334.34 4,181 2,640 1,541 311,500 $ 1,398,006
63 335.30 4,168 2,640 1,529 308,860 $ 1,397,676
64 336.27 4,155 2,640 1,516 306,220 $ 1,397,333
65 337.23 4,142 2,640 1,503 303,581 $ 1,396,976
66 338.20 4,130 2,640 1,490 300,941 $ 1,396,606
67 339.17 4,117 2,640 1,477 298,301 $ 1,396,222
68 340.15 4,104 2,640 1,464 295,661 $ 1,395,824
69 341.12 4,091 2,640 1,451 293,021 $ 1,395,412
70 342.10 4,078 2,640 1,438 290,381 $ 1,394,987
71 343.08 4,065 2,640 1,425 287,742 $ 1,394,548
72 344.07 4,052 2,640 1,412 285,102 $ 1,394,094
73 345.06 4,039 2,640 1,399 282,462 $ 1,393,627
74 346.05 4,026 2,640 1,386 279,822 $ 1,393,145
75 347.04 4,013 2,640 1,373 277,182 $ 1,392,649
76 348.04 4,000 2,640 1,360 274,542 $ 1,392,139
77 349.04 3,987 2,640 1,347 271,903 $ 1,391,614
78 350.04 3,974 2,640 1,334 269,263 $ 1,391,075
79 351.04 3,961 2,640 1,321 266,623 $ 1,390,522
80 352.05 3,948 2,640 1,308 263,983 $ 1,389,953
81 353.06 3,935 2,640 1,295 261,343 $ 1,389,370
82 354.08 3,922 2,640 1,282 258,704 $ 1,388,772
83 355.09 3,909 2,640 1,269 256,064 $ 1,388,160
84 356.11 3,896 2,640 1,257 253,424 $ 1,387,532
85 357.13 3,883 2,640 1,244 250,784 $ 1,386,889
86 358.16 3,870 2,640 1,231 248,144 $ 1,386,231
87 359.19 3,857 2,640 1,218 245,504 $ 1,385,558
88 360.22 3,845 2,640 1,205 242,865 $ 1,384,870
89 361.25 3,832 2,640 1,192 240,225 $ 1,384,166
90 362.29 3,819 2,640 1,179 237,585 $ 1,383,447
91 363.33 3,806 2,640 1,166 234,945 $ 1,382,712
92 364.37 3,793 2,640 1,153 232,305 $ 1,381,962
93 365.42 3,780 2,640 1,140 229,665 $ 1,381,196
94 366.47 3,767 2,640 1,127 227,026 $ 1,380,414
95 367.52 3,754 2,640 1,114 224,386 $ 1,379,616
96 368.57 3,741 2,640 1,101 221,746 $ 1,378,802
97 369.63 3,728 2,640 1,088 219,106 $ 1,377,973
98 370.69 3,715 2,640 1,075 216,466 $ 1,377,127
99 371.76 3,702 2,640 1,062 213,826 $ 1,376,265
100 372.83 3,689 2,640 1,049 211,187 $ 1,375,386
101 373.90 3,676 2,640 1,036 208,547 $ 1,374,491
102 374.97 3,663 2,640 1,023 205,907 $ 1,373,580
103 376.05 3,650 2,640 1,010 203,267 $ 1,372,652
104 377.13 3,637 2,640 997 200,627 $ 1,371,708
105 378.21 3,624 2,640 984 197,987 $ 1,370,747
106 379.29 3,611 2,640 972 195,348 $ 1,369,769
107 380.38 3,598 2,640 959 192,708 $ 1,368,774
108 381.47 3,585 2,640 946 190,068 $ 1,367,762
109 382.57 3,573 2,640 933 187,428 $ 1,366,733
110 383.67 3,560 2,640 920 184,788 $ 1,365,687
111 384.77 3,547 2,640 907 182,148 $ 1,364,623
112 385.87 3,534 2,640 894 179,509 $ 1,363,542
113 386.98 3,521 2,640 881 176,869 $ 1,362,444
114 388.09 3,508 2,640 868 174,229 $ 1,361,328
115 389.21 3,495 2,640 855 171,589 $ 1,360,195
116 390.32 3,482 2,640 842 168,949 $ 1,359,044
117 391.45 3,469 2,640 829 166,309 $ 1,357,875
118 392.57 3,456 2,640 816 163,670 $ 1,356,688
119 393.70 3,443 2,640 803 161,030 $ 1,355,483
120 394.83 3,430 2,640 790 158,390 $ 1,354,260
121 395.96 3,417 2,640 777 155,750 $ 1,353,018
122 397.10 3,404 2,640 764 153,110 $ 1,351,759
123 398.24 3,391 2,640 751 150,470 $ 1,350,481
124 399.38 3,378 2,640 738 147,831 $ 1,349,185
125 400.53 3,365 2,640 725 145,191 $ 1,347,870
126 401.68 3,352 2,640 712 142,551 $ 1,346,536
127 402.83 3,339 2,640 700 139,911 $ 1,345,184
128 403.99 3,326 2,640 687 137,271 $ 1,343,812
129 405.15 3,313 2,640 674 134,631 $ 1,342,422
130 406.31 3,300 2,640 661 131,992 $ 1,341,013
131 407.48 3,288 2,640 648 129,352 $ 1,339,584
132 408.65 3,275 2,640 635 126,712 $ 1,338,137
133 409.82 3,262 2,640 622 124,072 $ 1,336,670
134 411.00 3,249 2,640 609 121,432 $ 1,335,183
135 412.18 3,236 2,640 596 118,792 $ 1,333,677
136 413.36 3,223 2,640 583 116,153 $ 1,332,152
137 414.55 3,210 2,640 570 113,513 $ 1,330,606
138 415.74 3,197 2,640 557 110,873 $ 1,329,041
139 416.93 3,184 2,640 544 108,233 $ 1,327,456
140 418.13 3,171 2,640 531 105,593 $ 1,325,850
141 419.33 3,158 2,640 518 102,953 $ 1,324,225
142 420.53 3,145 2,640 505 100,314 $ 1,322,579
143 421.74 3,132 2,640 492 97,674 $ 1,320,913
144 422.95 3,119 2,640 479 95,034 $ 1,319,226
145 424.16 3,106 2,640 466 92,394 $ 1,317,519
146 425.38 3,093 2,640 453 89,754 $ 1,315,791
147 426.60 3,080 2,640 440 87,114 $ 1,314,043
148 427.83 3,067 2,640 427 84,475 $ 1,312,273
149 429.05 3,054 2,640 415 81,835 $ 1,310,483
150 430.29 3,041 2,640 402 79,195 $ 1,308,671
151 431.52 3,028 2,640 389 76,555 $ 1,306,839
152 432.76 3,015 2,640 376 73,915 $ 1,304,984
153 434.00 3,003 2,640 363 71,275 $ 1,303,109
154 435.25 2,990 2,640 350 68,636 $ 1,301,212
155 436.50 2,977 2,640 337 65,996 $ 1,299,293
156 437.75 2,964 2,640 324 63,356 $ 1,297,353
157 439.01 2,951 2,640 311 60,716 $ 1,295,391
158 440.27 2,938 2,640 298 58,076 $ 1,293,406
159 441.53 2,925 2,640 285 55,436 $ 1,291,400
160 442.80 2,912 2,640 272 52,797 $ 1,289,372
161 444.07 2,899 2,640 259 50,157 $ 1,287,321
162 445.35 2,886 2,640 246 47,517 $ 1,285,248
163 446.62 2,873 2,640 233 44,877 $ 1,283,152
 164 447.91 2,860 2,640 220 42,237 $ 1,281,034
165 449.19 2,847 2,640 207 39,597 $ 1,278,893
166 450.48 2,834 2,640 194 36,958 $ 1,276,729
167 451.78 2,821 2,640 181 34,318 $ 1,274,542
168 453.07 2,808 2,640 168 31,678 $ 1,272,332
169 454.37 2,795 2,640 155 29,038 $ 1,270,099
170 455.68 2,782 2,640 142 26,398 $ 1,267,843
171 456.99 2,769 2,640 130 23,758 $ 1,265,563
172 458.30 2,756 2,640 117 21,119 $ 1,263,260
173 459.61 2,743 2,640 104 18,479 $ 1,260,933
174 460.93 2,731 2,640 91 15,839 $ 1,258,582
175 462.26 2,718 2,640 78 13,199 $ 1,256,207
176 463.58 2,705 2,640 65 10,559 $ 1,253,808
177 464.91 2,692 2,640 52 7,919 $ 1,251,386
178 466.25 2,679 2,640 39 5,280 $ 1,248,938
179 467.59 2,666 2,640 26 2,640 $ 1,246,467
180 468.93 2,653 2,640 13 0 $ 1,243,971
TOTALES $ 245,134,449.80
TABLA DE AMORTIZACION EN PESOS
CAPITAL INTERESES SALDO
$ 133,000,000
$ 741,010 $ 654,510 $ 132,640,819
$ 743,138 $ 652,743 $ 132,278,480
$ 745,271 $ 650,959 $ 131,912,967
$ 747,411 $ 649,161 $ 131,544,265
$ 749,556 $ 647,346 $ 131,172,359
$ 751,708 $ 645,516 $ 130,797,234
$ 753,866 $ 643,670 $ 130,418,873
$ 756,031 $ 641,808 $ 130,037,262
$ 758,201 $ 639,930 $ 129,652,385
$ 760,378 $ 638,036 $ 129,264,226
$ 762,561 $ 636,126 $ 128,872,769
$ 764,750 $ 634,200 $ 128,478,000
$ 766,946 $ 632,257 $ 128,079,902
$ 769,147 $ 630,298 $ 127,678,459
$ 771,355 $ 628,322 $ 127,273,655
$ 773,570 $ 626,330 $ 126,865,475
$ 775,791 $ 624,321 $ 126,453,902
$ 778,018 $ 622,296 $ 126,038,921
$ 780,252 $ 620,254 $ 125,620,514
$ 782,492 $ 618,195 $ 125,198,666
$ 784,738 $ 616,119 $ 124,773,361
$ 786,991 $ 614,026 $ 124,344,581
$ 789,250 $ 611,916 $ 123,912,312
$ 791,516 $ 609,788 $ 123,476,535
$ 793,789 $ 607,644 $ 123,037,235
$ 796,067 $ 605,482 $ 122,594,395
$ 798,353 $ 603,303 $ 122,147,998
$ 800,645 $ 601,106 $ 121,698,028
$ 802,943 $ 598,892 $ 121,244,467
$ 805,249 $ 596,660 $ 120,787,299
$ 807,560 $ 594,410 $ 120,326,507
$ 809,879 $ 592,142 $ 119,862,073
$ 812,204 $ 589,857 $ 119,393,981
$ 814,536 $ 587,553 $ 118,922,213
$ 816,874 $ 585,232 $ 118,446,753
$ 819,219 $ 582,892 $ 117,967,582
$ 821,571 $ 580,534 $ 117,484,684
$ 823,930 $ 578,157 $ 116,998,040
$ 826,295 $ 575,762 $ 116,507,635
$ 828,667 $ 573,349 $ 116,013,449
$ 831,047 $ 570,917 $ 115,515,465
$ 833,432 $ 568,467 $ 115,013,666
$ 835,825 $ 565,997 $ 114,508,034
$ 838,225 $ 563,509 $ 113,998,550
$ 840,631 $ 561,002 $ 113,485,197
$ 843,044 $ 558,475 $ 112,967,957
$ 845,465 $ 555,930 $ 112,446,812
$ 847,892 $ 553,365 $ 111,921,743
$ 850,326 $ 550,781 $ 111,392,733
$ 852,767 $ 548,178 $ 110,859,763
$ 855,216 $ 545,555 $ 110,322,814
$ 857,671 $ 542,913 $ 109,781,869
$ 860,133 $ 540,251 $ 109,236,909
$ 862,602 $ 537,569 $ 108,687,914
$ 865,079 $ 534,867 $ 108,134,867
$ 867,562 $ 532,146 $ 107,577,749
$ 870,053 $ 529,404 $ 107,016,541
$ 872,551 $ 526,642 $ 106,451,223
$ 875,056 $ 523,860 $ 105,881,778
$ 877,568 $ 521,058 $ 105,308,186
$ 880,088 $ 518,235 $ 104,730,427
$ 882,614 $ 515,392 $ 104,148,483
$ 885,148 $ 512,528 $ 103,562,335
$ 887,689 $ 509,644 $ 102,971,963
$ 890,238 $ 506,738 $ 102,377,347
$ 892,794 $ 503,812 $ 101,778,468
$ 895,357 $ 500,865 $ 101,175,307
$ 897,927 $ 497,897 $ 100,567,844
$ 900,505 $ 494,907 $ 99,956,059
$ 903,090 $ 491,897 $ 99,339,933
$ 905,683 $ 488,865 $ 98,719,445
$ 908,283 $ 485,811 $ 98,094,575
$ 910,891 $ 482,736 $ 97,465,304
$ 913,506 $ 479,639 $ 96,831,611
$ 916,128 $ 476,521 $ 96,193,477
$ 918,758 $ 473,381 $ 95,550,880
$ 921,396 $ 470,218 $ 94,903,801
$ 924,041 $ 467,034 $ 94,252,218
$ 926,694 $ 463,827 $ 93,596,113
$ 929,355 $ 460,599 $ 92,935,463
$ 932,023 $ 457,347 $ 92,270,249
$ 934,698 $ 454,074 $ 91,600,449
$ 937,382 $ 450,778 $ 90,926,043
$ 940,073 $ 447,459 $ 90,247,009
$ 942,772 $ 444,117 $ 89,563,327
$ 945,478 $ 440,753 $ 88,874,976
$ 948,193 $ 437,365 $ 88,181,934
$ 950,915 $ 433,955 $ 87,484,181
$ 953,645 $ 430,521 $ 86,781,694
$ 956,383 $ 427,064 $ 86,074,452
$ 959,128 $ 423,583 $ 85,362,435
$ 961,882 $ 420,080 $ 84,645,620
$ 964,644 $ 416,552 $ 83,923,985
$ 967,413 $ 413,001 $ 83,197,510
$ 970,190 $ 409,426 $ 82,466,171
$ 972,976 $ 405,827 $ 81,729,948
$ 975,769 $ 402,204 $ 80,988,817
$ 978,570 $ 398,556 $ 80,242,758
$ 981,380 $ 394,885 $ 79,491,747
$ 984,197 $ 391,189 $ 78,735,763
$ 987,023 $ 387,469 $ 77,974,782
$ 989,856 $ 383,724 $ 77,208,784
$ 992,698 $ 379,954 $ 76,437,744
$ 995,548 $ 376,160 $ 75,661,642
$ 998,406 $ 372,341 $ 74,880,452
$ 1,001,272 $ 368,496 $ 74,094,154
$ 1,004,147 $ 364,627 $ 73,302,724
$ 1,007,030 $ 360,732 $ 72,506,139
$ 1,009,921 $ 356,812 $ 71,704,376
$ 1,012,820 $ 352,866 $ 70,897,412
$ 1,015,728 $ 348,895 $ 70,085,223
$ 1,018,644 $ 344,898 $ 69,267,787
$ 1,021,568 $ 340,876 $ 68,445,080
$ 1,024,501 $ 336,827 $ 67,617,077
$ 1,027,442 $ 332,752 $ 66,783,757
$ 1,030,392 $ 328,651 $ 65,945,094
$ 1,033,350 $ 324,524 $ 65,101,065
$ 1,036,317 $ 320,371 $ 64,251,647
$ 1,039,292 $ 316,191 $ 63,396,815
$ 1,042,276 $ 311,984 $ 62,536,545
$ 1,045,268 $ 307,750 $ 61,670,813
$ 1,048,269 $ 303,490 $ 60,799,595
$ 1,051,278 $ 299,203 $ 59,922,866
$ 1,054,296 $ 294,888 $ 59,040,602
$ 1,057,323 $ 290,546 $ 58,152,778
$ 1,060,359 $ 286,177 $ 57,259,370
$ 1,063,403 $ 281,781 $ 56,360,353
$ 1,066,456 $ 277,357 $ 55,455,702
$ 1,069,518 $ 272,905 $ 54,545,393
$ 1,072,588 $ 268,425 $ 53,629,399
$ 1,075,667 $ 263,917 $ 52,707,696
$ 1,078,755 $ 259,381 $ 51,780,259
$ 1,081,852 $ 254,817 $ 50,847,063
$ 1,084,958 $ 250,225 $ 49,908,081
$ 1,088,073 $ 245,604 $ 48,963,289
$ 1,091,197 $ 240,955 $ 48,012,661
$ 1,094,330 $ 236,277 $ 47,056,171
$ 1,097,471 $ 231,569 $ 46,093,793
$ 1,100,622 $ 226,834 $ 45,125,502
$ 1,103,782 $ 222,068 $ 44,151,271
$ 1,106,951 $ 217,274 $ 43,171,074
$ 1,110,129 $ 212,450 $ 42,184,885
$ 1,113,316 $ 207,597 $ 41,192,678
$ 1,116,512 $ 202,714 $ 40,194,426
$ 1,119,717 $ 197,802 $ 39,190,103
$ 1,122,932 $ 192,860 $ 38,179,682
$ 1,126,156 $ 187,887 $ 37,163,137
$ 1,129,389 $ 182,885 $ 36,140,439
$ 1,132,631 $ 177,852 $ 35,111,564
$ 1,135,883 $ 172,789 $ 34,076,483
$ 1,139,144 $ 167,695 $ 33,035,169
$ 1,142,414 $ 162,570 $ 31,987,596
$ 1,145,694 $ 157,415 $ 30,933,735
$ 1,148,983 $ 152,229 $ 29,873,560
$ 1,152,282 $ 147,012 $ 28,807,042
$ 1,155,590 $ 141,763 $ 27,734,154
$ 1,158,907 $ 136,483 $ 26,654,869
$ 1,162,234 $ 131,172 $ 25,569,158
$ 1,165,571 $ 125,829 $ 24,476,993
$ 1,168,917 $ 120,454 $ 23,378,347
$ 1,172,273 $ 115,048 $ 22,273,190
$ 1,175,639 $ 109,609 $ 21,161,496
$ 1,179,014 $ 104,138 $ 20,043,235
$ 1,182,399 $ 98,635 $ 18,918,378
$ 1,185,793 $ 93,100 $ 17,786,898
$ 1,189,197 $ 87,532 $ 16,648,765
$ 1,192,612 $ 81,931 $ 15,503,950
$ 1,196,035 $ 76,297 $ 14,352,425
$ 1,199,469 $ 70,630 $ 13,194,160
$ 1,202,913 $ 64,930 $ 12,029,126
$ 1,206,366 $ 59,197 $ 10,857,295
$ 1,209,829 $ 53,430 $ 9,678,636
$ 1,213,303 $ 47,630 $ 8,493,119
$ 1,216,786 $ 41,796 $ 7,300,716
$ 1,220,279 $ 35,928 $ 6,101,396
$ 1,223,783 $ 30,026 $ 4,895,130
$ 1,227,296 $ 24,090 $ 3,681,888
$ 1,230,819 $ 18,119 $ 2,461,639
$ 1,234,353 $ 12,114 $ 1,234,353
$ 1,237,897 $ 6,074 $ 0
$ 174,314,873.79 $ 70,819,576.01
DATOS
TASA DE INTERES E.A. 9.80%
TASA DE INTERES MENSUAL 0.78%
VALOR VIVIENDA 190,000,000
VALOR PRESTAMO 133,000,000
PLAZOEN AÑOS 15
PLAZO EN MESES 180
CUOTA FIJA $ 1,379,648.28

TABLA DE AMORTIZACION EN PESOS

MES CUOTA CAPITAL INTERESES
0
1 $ 1,379,648 $ 339,417 $ 1,040,232
2 $ 1,379,648 $ 342,071 $ 1,037,577
3 $ 1,379,648 $ 344,747 $ 1,034,901
4 $ 1,379,648 $ 347,443 $ 1,032,205
5 $ 1,379,648 $ 350,161 $ 1,029,488
6 $ 1,379,648 $ 352,899 $ 1,026,749
7 $ 1,379,648 $ 355,660 $ 1,023,989
8 $ 1,379,648 $ 358,441 $ 1,021,207
9 $ 1,379,648 $ 361,245 $ 1,018,404
10 $ 1,379,648 $ 364,070 $ 1,015,578
11 $ 1,379,648 $ 366,918 $ 1,012,731
12 $ 1,379,648 $ 369,787 $ 1,009,861
13 $ 1,379,648 $ 372,680 $ 1,006,969
14 $ 1,379,648 $ 375,594 $ 1,004,054
15 $ 1,379,648 $ 378,532 $ 1,001,116
16 $ 1,379,648 $ 381,493 $ 998,156
17 $ 1,379,648 $ 384,476 $ 995,172
18 $ 1,379,648 $ 387,484 $ 992,165
19 $ 1,379,648 $ 390,514 $ 989,134
20 $ 1,379,648 $ 393,568 $ 986,080
21 $ 1,379,648 $ 396,647 $ 983,002
22 $ 1,379,648 $ 399,749 $ 979,899
23 $ 1,379,648 $ 402,876 $ 976,773
24 $ 1,379,648 $ 406,027 $ 973,622
25 $ 1,379,648 $ 409,202 $ 970,446
26 $ 1,379,648 $ 412,403 $ 967,246
27 $ 1,379,648 $ 415,628 $ 964,020
28 $ 1,379,648 $ 418,879 $ 960,769
29 $ 1,379,648 $ 422,155 $ 957,493
30 $ 1,379,648 $ 425,457 $ 954,191
31 $ 1,379,648 $ 428,785 $ 950,864
32 $ 1,379,648 $ 432,138 $ 947,510
33 $ 1,379,648 $ 435,518 $ 944,130
34 $ 1,379,648 $ 438,924 $ 940,724
35 $ 1,379,648 $ 442,357 $ 937,291
36 $ 1,379,648 $ 445,817 $ 933,831
37 $ 1,379,648 $ 449,304 $ 930,344
38 $ 1,379,648 $ 452,818 $ 926,830
39 $ 1,379,648 $ 456,360 $ 923,289
40 $ 1,379,648 $ 459,929 $ 919,719
41 $ 1,379,648 $ 463,526 $ 916,122
42 $ 1,379,648 $ 467,152 $ 912,497
43 $ 1,379,648 $ 470,805 $ 908,843
44 $ 1,379,648 $ 474,488 $ 905,161
45 $ 1,379,648 $ 478,199 $ 901,449
46 $ 1,379,648 $ 481,939 $ 897,709
47 $ 1,379,648 $ 485,708 $ 893,940
48 $ 1,379,648 $ 489,507 $ 890,141
49 $ 1,379,648 $ 493,336 $ 886,312
50 $ 1,379,648 $ 497,194 $ 882,454
51 $ 1,379,648 $ 501,083 $ 878,565
52 $ 1,379,648 $ 505,002 $ 874,646
53 $ 1,379,648 $ 508,952 $ 870,696
54 $ 1,379,648 $ 512,933 $ 866,716
55 $ 1,379,648 $ 516,944 $ 862,704
56 $ 1,379,648 $ 520,988 $ 858,661
57 $ 1,379,648 $ 525,062 $ 854,586
58 $ 1,379,648 $ 529,169 $ 850,479
59 $ 1,379,648 $ 533,308 $ 846,340
60 $ 1,379,648 $ 537,479 $ 842,169
61 $ 1,379,648 $ 541,683 $ 837,966
62 $ 1,379,648 $ 545,919 $ 833,729
63 $ 1,379,648 $ 550,189 $ 829,459
64 $ 1,379,648 $ 554,492 $ 825,156
65 $ 1,379,648 $ 558,829 $ 820,819
66 $ 1,379,648 $ 563,200 $ 816,448
67 $ 1,379,648 $ 567,605 $ 812,043
68 $ 1,379,648 $ 572,044 $ 807,604
69 $ 1,379,648 $ 576,518 $ 803,130
70 $ 1,379,648 $ 581,028 $ 798,621
71 $ 1,379,648 $ 585,572 $ 794,076
72 $ 1,379,648 $ 590,152 $ 789,496
73 $ 1,379,648 $ 594,768 $ 784,881
74 $ 1,379,648 $ 599,419 $ 780,229
75 $ 1,379,648 $ 604,108 $ 775,541
76 $ 1,379,648 $ 608,833 $ 770,816
77 $ 1,379,648 $ 613,594 $ 766,054
78 $ 1,379,648 $ 618,394 $ 761,255
79 $ 1,379,648 $ 623,230 $ 756,418
80 $ 1,379,648 $ 628,105 $ 751,544
81 $ 1,379,648 $ 633,017 $ 746,631
82 $ 1,379,648 $ 637,968 $ 741,680
83 $ 1,379,648 $ 642,958 $ 736,690
84 $ 1,379,648 $ 647,987 $ 731,662
85 $ 1,379,648 $ 653,055 $ 726,593
86 $ 1,379,648 $ 658,163 $ 721,486
87 $ 1,379,648 $ 663,310 $ 716,338
88 $ 1,379,648 $ 668,498 $ 711,150
89 $ 1,379,648 $ 673,727 $ 705,922
90 $ 1,379,648 $ 678,996 $ 700,652
91 $ 1,379,648 $ 684,307 $ 695,342
92 $ 1,379,648 $ 689,659 $ 689,989
93 $ 1,379,648 $ 695,053 $ 684,595
94 $ 1,379,648 $ 700,489 $ 679,159
95 $ 1,379,648 $ 705,968 $ 673,680
96 $ 1,379,648 $ 711,489 $ 668,159
97 $ 1,379,648 $ 717,054 $ 662,594
98 $ 1,379,648 $ 722,663 $ 656,986
99 $ 1,379,648 $ 728,315 $ 651,334
100 $ 1,379,648 $ 734,011 $ 645,637
101 $ 1,379,648 $ 739,752 $ 639,896
102 $ 1,379,648 $ 745,538 $ 634,111
103 $ 1,379,648 $ 751,369 $ 628,279
104 $ 1,379,648 $ 757,246 $ 622,403
105 $ 1,379,648 $ 763,168 $ 616,480
106 $ 1,379,648 $ 769,137 $ 610,511
107 $ 1,379,648 $ 775,153 $ 604,496
108 $ 1,379,648 $ 781,215 $ 598,433
109 $ 1,379,648 $ 787,326 $ 592,323
110 $ 1,379,648 $ 793,483 $ 586,165
111 $ 1,379,648 $ 799,690 $ 579,959
112 $ 1,379,648 $ 805,944 $ 573,704
113 $ 1,379,648 $ 812,248 $ 567,401
114 $ 1,379,648 $ 818,600 $ 561,048
115 $ 1,379,648 $ 825,003 $ 554,645
116 $ 1,379,648 $ 831,456 $ 548,193
117 $ 1,379,648 $ 837,959 $ 541,690
118 $ 1,379,648 $ 844,513 $ 535,136
119 $ 1,379,648 $ 851,118 $ 528,531
120 $ 1,379,648 $ 857,775 $ 521,874
121 $ 1,379,648 $ 864,483 $ 515,165
122 $ 1,379,648 $ 871,245 $ 508,403
123 $ 1,379,648 $ 878,059 $ 501,589
124 $ 1,379,648 $ 884,927 $ 494,722
125 $ 1,379,648 $ 891,848 $ 487,800
126 $ 1,379,648 $ 898,823 $ 480,825
127 $ 1,379,648 $ 905,853 $ 473,795
128 $ 1,379,648 $ 912,938 $ 466,710
129 $ 1,379,648 $ 920,079 $ 459,570
130 $ 1,379,648 $ 927,275 $ 452,374
131 $ 1,379,648 $ 934,527 $ 445,121
132 $ 1,379,648 $ 941,836 $ 437,812
133 $ 1,379,648 $ 949,203 $ 430,445
134 $ 1,379,648 $ 956,627 $ 423,021
135 $ 1,379,648 $ 964,109 $ 415,539
136 $ 1,379,648 $ 971,649 $ 407,999
137 $ 1,379,648 $ 979,249 $ 400,399
138 $ 1,379,648 $ 986,908 $ 392,740
139 $ 1,379,648 $ 994,627 $ 385,021
140 $ 1,379,648 $ 1,002,406 $ 377,242
141 $ 1,379,648 $ 1,010,246 $ 369,402
142 $ 1,379,648 $ 1,018,148 $ 361,501
143 $ 1,379,648 $ 1,026,111 $ 353,537
144 $ 1,379,648 $ 1,034,136 $ 345,512
145 $ 1,379,648 $ 1,042,225 $ 337,424
146 $ 1,379,648 $ 1,050,376 $ 329,272
147 $ 1,379,648 $ 1,058,592 $ 321,057
148 $ 1,379,648 $ 1,066,871 $ 312,777
149 $ 1,379,648 $ 1,075,215 $ 304,433
150 $ 1,379,648 $ 1,083,625 $ 296,023
151 $ 1,379,648 $ 1,092,100 $ 287,548
152 $ 1,379,648 $ 1,100,642 $ 279,006
153 $ 1,379,648 $ 1,109,250 $ 270,398
154 $ 1,379,648 $ 1,117,926 $ 261,722
155 $ 1,379,648 $ 1,126,670 $ 252,978
156 $ 1,379,648 $ 1,135,482 $ 244,166
157 $ 1,379,648 $ 1,144,363 $ 235,286
158 $ 1,379,648 $ 1,153,313 $ 226,335
159 $ 1,379,648 $ 1,162,334 $ 217,315
160 $ 1,379,648 $ 1,171,424 $ 208,224
161 $ 1,379,648 $ 1,180,587 $ 199,062
162 $ 1,379,648 $ 1,189,820 $ 189,828
163 $ 1,379,648 $ 1,199,126 $ 180,522
164 $ 1,379,648 $ 1,208,505 $ 171,143
165 $ 1,379,648 $ 1,217,957 $ 161,691
166 $ 1,379,648 $ 1,227,483 $ 152,165
 167 $ 1,379,648 $ 1,237,083 $ 142,565
168 $ 1,379,648 $ 1,246,759 $ 132,889
169 $ 1,379,648 $ 1,256,510 $ 123,138
170 $ 1,379,648 $ 1,266,338 $ 113,310
171 $ 1,379,648 $ 1,276,242 $ 103,406
172 $ 1,379,648 $ 1,286,224 $ 93,424
173 $ 1,379,648 $ 1,296,284 $ 83,364
174 $ 1,379,648 $ 1,306,423 $ 73,226
175 $ 1,379,648 $ 1,316,641 $ 63,008
176 $ 1,379,648 $ 1,326,938 $ 52,710
177 $ 1,379,648 $ 1,337,317 $ 42,332
178 $ 1,379,648 $ 1,347,776 $ 31,872
179 $ 1,379,648 $ 1,358,318 $ 21,331
180 $ 1,379,648 $ 1,368,941 $ 10,707
TOTALES $ 248,336,691 $ 133,000,000 $ 115,336,691
EN PESOS
SALDO
$ 133,000,000
$ 132,660,583
$ 132,318,512
$ 131,973,765
$ 131,626,322
$ 131,276,161
$ 130,923,262
$ 130,567,602
$ 130,209,161
$ 129,847,916
$ 129,483,846
$ 129,116,928
$ 128,747,141
$ 128,374,461
$ 127,998,867
$ 127,620,335
$ 127,238,842
$ 126,854,366
$ 126,466,882
$ 126,076,368
$ 125,682,800
$ 125,286,153
$ 124,886,404
$ 124,483,528
$ 124,077,502
$ 123,668,300
$ 123,255,897
$ 122,840,269
$ 122,421,390
$ 121,999,235
$ 121,573,778
$ 121,144,993
$ 120,712,855
$ 120,277,337
$ 119,838,412
$ 119,396,055
$ 118,950,238
$ 118,500,934
$ 118,048,116
$ 117,591,756
$ 117,131,827
$ 116,668,300
$ 116,201,149
$ 115,730,343
$ 115,255,856
$ 114,777,657
$ 114,295,718
$ 113,810,009
$ 113,320,502
$ 112,827,166
$ 112,329,972
$ 111,828,889
$ 111,323,887
$ 110,814,935
$ 110,302,002
$ 109,785,058
$ 109,264,070
$ 108,739,008
$ 108,209,839
$ 107,676,531
$ 107,139,052
$ 106,597,370
$ 106,051,450
$ 105,501,261
$ 104,946,769
$ 104,387,939
$ 103,824,739
$ 103,257,135
$ 102,685,090
$ 102,108,572
$ 101,527,544
$ 100,941,972
$ 100,351,820
$ 99,757,053
$ 99,157,633
$ 98,553,526
$ 97,944,693
$ 97,331,098
$ 96,712,705
$ 96,089,475
$ 95,461,370
$ 94,828,353
$ 94,190,384
$ 93,547,426
$ 92,899,440
$ 92,246,385
$ 91,588,222
$ 90,924,912
$ 90,256,414
$ 89,582,687
$ 88,903,691
$ 88,219,384
$ 87,529,725
$ 86,834,672
$ 86,134,183
$ 85,428,215
$ 84,716,726
$ 83,999,671
$ 83,277,009
$ 82,548,694
$ 81,814,683
$ 81,074,931
$ 80,329,394
$ 79,578,025
$ 78,820,779
$ 78,057,611
$ 77,288,474
$ 76,513,321
$ 75,732,106
$ 74,944,780
$ 74,151,297
$ 73,351,607
$ 72,545,663
$ 71,733,416
$ 70,914,815
$ 70,089,812
$ 69,258,357
$ 68,420,398
$ 67,575,885
$ 66,724,768
$ 65,866,993
$ 65,002,510
$ 64,131,265
$ 63,253,206
$ 62,368,279
$ 61,476,431
$ 60,577,608
$ 59,671,755
$ 58,758,816
$ 57,838,738
$ 56,911,463
$ 55,976,936
$ 55,035,099
$ 54,085,897
$ 53,129,270
$ 52,165,161
$ 51,193,511
$ 50,214,262
$ 49,227,354
$ 48,232,728
$ 47,230,321
$ 46,220,075
$ 45,201,927
$ 44,175,816
$ 43,141,680
$ 42,099,455
$ 41,049,079
$ 39,990,488
$ 38,923,616
$ 37,848,401
$ 36,764,776
$ 35,672,676
$ 34,572,034
$ 33,462,783
$ 32,344,857
$ 31,218,187
$ 30,082,706
$ 28,938,343
$ 27,785,030
$ 26,622,696
$ 25,451,272
$ 24,270,685
$ 23,080,865
$ 21,881,739
$ 20,673,234
$ 19,455,277
$ 18,227,794
$ 16,990,711
$ 15,743,952
$ 14,487,441
$ 13,221,104
$ 11,944,861
$ 10,658,637
$ 9,362,353
$ 8,055,931
$ 6,739,290
$ 5,412,352
$ 4,075,035
$ 2,727,259
$ 1,368,941
$ 0
 #REF!
Err:504
Err:504
#REF!
#REF!
#REF!

SISTEMA AMORTIZACION UVR CUOTA FIJA UVR ABONO CONSTANTE CAPITAL

INTERESES PAGADOS $ 82,031,374.17 $ 70,819,576.01
CAPITAL PAGADO $ 180,855,636.27 $ 174,314,873.79
TOTAL PAGADO $ 262,887,010.43 $ 245,134,449.80
TASA E.A 6.05% 6.05%
VECES QUE SE PAGO EL CREDITO 1.98 1.84
CUOTA FIJA PESOS
$ 115,336,691.19
$ 133,000,000.00
$ 248,336,691.19
9.80%
1.87