CASO 1: PRÉSTAMO = $ 100 000 000  i 1  i  n 

R  P   20017894,76
 1  i   1 
TEA = i = 5,5% n

PLAZO = n = 6 AÑOS
R=?

SERVICIO DE LA DEUDA

AÑOS SALDO INICIAL CUOTA INTERÉS AMORTIZACIÓN

0 100,000,000.00 0.00 0.00 0.00
1 100,000,000.00 20,017,894.76 5,500,000.00 14,517,894.76
2 85,482,105.24 20,017,894.76 4,701,515.79 15,316,378.97
3 70,165,726.27 20,017,894.76 3,859,114.94 16,158,779.82
4 54,006,946.45 20,017,894.76 2,970,382.05 17,047,512.71
5 36,959,433.75 20,017,894.76 2,032,768.86 17,985,125.90
6 18,974,307.84 20,017,894.76 1,043,586.91 18,974,307.85
TOTAL 120,107,368.56 20,107,368.56 100,000,000.00

CASO 2: PRECIO AUTO = P = $ 150 000

 i 1  i  n 
TEA = i = 15,0% R  P   29887 ,81
PLAZO = n = 10 AÑOS   1  i  n
 1 
R=?

AMORTIZACIÓN DE DEUDA

AÑOS SALDO INICIAL CUOTA INTERÉS AMORTIZACIÓN

0 150,000.00 0.00 0.00 0.00
1 150,000.00 29,887.81 22,500.00 7,387.81
2 142,612.19 29,887.81 21,391.83 8,495.98
3 134,116.21 29,887.81 20,117.43 9,770.38
4 124,345.83 29,887.81 18,651.87 11,235.94
5 113,109.89 29,887.81 16,966.48 12,921.33
6 100,188.57 29,887.81 15,028.29 14,859.52
7 85,329.04 29,887.81 12,799.36 17,088.45
8 68,240.59 29,887.81 10,236.09 19,651.72
9 48,588.87 29,887.81 7,288.33 22,599.48
10 25,989.39 29,887.81 3,898.42 25,989.39
TOTAL 298,878.10 148,878.10 150,000.00

SERVICIO DE LA DEUDA

AÑOS SALDO INICIAL CUOTA INTERÉS AMORTIZACIÓN

0 10,000.00 0.00 0.00 0.00
1 10,000.00 2,754.90 400.00 2,354.90
2 7,645.10 2,754.90 305.80 2,449.10
3 5,196.00 2,754.90 207.84 2,547.06
4 2,648.94 2,754.90 105.96 2,648.94
TOTAL 11,019.60 1,019.60 10,000.00
 SALDO FINAL
100,000,000.00
85,482,105.24
70,165,726.27
54,006,946.45
36,959,433.75
18,974,307.84
0.00


  29887 ,81


SALDO FINAL
150,000.00
142,612.19
134,116.21
124,345.83
113,109.89
100,188.57
85,329.04
68,240.59
48,588.87
25,989.39
0.00

SALDO FINAL
10,000.00
7,645.10
5,196.00
2,648.94
0.00
CASO 1: PRÉSTAMO = 37 575 959,67  i 1  i  n   0,041  0,04
TET = i = 4,0% R  P   37575959
,67
 1  i  1  1  0,04
n 120
PLAZO = n = 30 x 4 = 120 TRIMESTRES
R=?

SERVICIO DE LA DEUDA

AÑOS SALDO INICIAL CUOTA INTERÉS AMORTIZACIÓN

0 37,575,959.67 0.00 0.00 0.00
1 37,575,959.67 1,516,744.42 1,503,038.39 13,706.03
2 37,562,253.64 1,516,744.42 1,502,490.15 14,254.27
3 37,547,999.36 1,516,744.42 1,501,919.97 14,824.45
4 37,533,174.92 1,516,744.42 1,501,327.00 15,417.42
5 37,517,757.49 1,516,744.42 1,500,710.30 16,034.12
6 37,501,723.37 1,516,744.42 1,500,068.93 16,675.49
7 37,485,047.89 1,516,744.42 1,499,401.92 17,342.50
8 37,467,705.38 1,516,744.42 1,498,708.22 18,036.20
9 37,449,669.18 1,516,744.42 1,497,986.77 18,757.65
10 37,430,911.53 1,516,744.42 1,497,236.46 19,507.96
11 37,411,403.57 1,516,744.42 1,496,456.14 20,288.28
12 37,391,115.29 1,516,744.42 1,495,644.61 21,099.81
13 37,370,015.48 1,516,744.42 1,494,800.62 21,943.80
14 37,348,071.68 1,516,744.42 1,493,922.87 22,821.55
15 37,325,250.13 1,516,744.42 1,493,010.01 23,734.41
16 37,301,515.71 1,516,744.42 1,492,060.63 24,683.79
17 37,276,831.92 1,516,744.42 1,491,073.28 25,671.14
18 37,251,160.78 1,516,744.42 1,490,046.43 26,697.99
19 37,224,462.79 1,516,744.42 1,488,978.51 27,765.91
20 37,196,696.88 1,516,744.42 1,487,867.88 28,876.54
21 37,167,820.34 1,516,744.42 1,486,712.81 30,031.61
22 37,137,788.73 1,516,744.42 1,485,511.55 31,232.87
23 37,106,555.86 1,516,744.42 1,484,262.23 32,482.19
24 37,074,073.67 1,516,744.42 1,482,962.95 33,781.47
25 37,040,292.20 1,516,744.42 1,481,611.69 35,132.73
26 37,005,159.47 1,516,744.42 1,480,206.38 36,538.04
27 36,968,621.43 1,516,744.42 1,478,744.86 37,999.56
28 36,930,621.86 1,516,744.42 1,477,224.87 39,519.55
29 36,891,102.32 1,516,744.42 1,475,644.09 41,100.33
30 36,850,001.99 1,516,744.42 1,474,000.08 42,744.34
31 36,807,257.65 1,516,744.42 1,472,290.31 44,454.11
32 36,762,803.54 1,516,744.42 1,470,512.14 46,232.28
33 36,716,571.26 1,516,744.42 1,468,662.85 48,081.57
34 36,668,489.69 1,516,744.42 1,466,739.59 50,004.83
35 36,618,484.86 1,516,744.42 1,464,739.39 52,005.03
36 36,566,479.83 1,516,744.42 1,462,659.19 54,085.23
37 36,512,394.60 1,516,744.42 1,460,495.78 56,248.64
38 36,456,145.97 1,516,744.42 1,458,245.84 58,498.58
39 36,397,647.39 1,516,744.42 1,455,905.90 60,838.52
40 36,336,808.86 1,516,744.42 1,453,472.35 63,272.07
41 36,273,536.80 1,516,744.42 1,450,941.47 65,802.95
42 36,207,733.85 1,516,744.42 1,448,309.35 68,435.07
43 36,139,298.78 1,516,744.42 1,445,571.95 71,172.47
44 36,068,126.31 1,516,744.42 1,442,725.05 74,019.37
45 35,994,106.95 1,516,744.42 1,439,764.28 76,980.14
46 35,917,126.80 1,516,744.42 1,436,685.07 80,059.35
47 35,837,067.46 1,516,744.42 1,433,482.70 83,261.72
48 35,753,805.74 1,516,744.42 1,430,152.23 86,592.19
49 35,667,213.54 1,516,744.42 1,426,688.54 90,055.88
50 35,577,157.67 1,516,744.42 1,423,086.31 93,658.11
51 35,483,499.55 1,516,744.42 1,419,339.98 97,404.44
52 35,386,095.11 1,516,744.42 1,415,443.80 101,300.62
53 35,284,794.50 1,516,744.42 1,411,391.78 105,352.64
54 35,179,441.86 1,516,744.42 1,407,177.67 109,566.75
55 35,069,875.11 1,516,744.42 1,402,795.00 113,949.42
56 34,955,925.70 1,516,744.42 1,398,237.03 118,507.39
57 34,837,418.31 1,516,744.42 1,393,496.73 123,247.69
58 34,714,170.62 1,516,744.42 1,388,566.82 128,177.60
59 34,585,993.02 1,516,744.42 1,383,439.72 133,304.70
60 34,452,688.32 1,516,744.42 1,378,107.53 138,636.89
61 34,314,051.44 1,516,744.42 1,372,562.06 144,182.36
62 34,169,869.07 1,516,744.42 1,366,794.76 149,949.66
63 34,019,919.42 1,516,744.42 1,360,796.78 155,947.64
64 33,863,971.77 1,516,744.42 1,354,558.87 162,185.55
65 33,701,786.23 1,516,744.42 1,348,071.45 168,672.97
66 33,533,113.25 1,516,744.42 1,341,324.53 175,419.89
67 33,357,693.36 1,516,744.42 1,334,307.73 182,436.69
68 33,175,256.68 1,516,744.42 1,327,010.27 189,734.15
69 32,985,522.53 1,516,744.42 1,319,420.90 197,323.52
70 32,788,199.01 1,516,744.42 1,311,527.96 205,216.46
71 32,582,982.55 1,516,744.42 1,303,319.30 213,425.12
72 32,369,557.43 1,516,744.42 1,294,782.30 221,962.12
73 32,147,595.31 1,516,744.42 1,285,903.81 230,840.61
74 31,916,754.70 1,516,744.42 1,276,670.19 240,074.23
75 31,676,680.47 1,516,744.42 1,267,067.22 249,677.20
76 31,427,003.27 1,516,744.42 1,257,080.13 259,664.29
77 31,167,338.98 1,516,744.42 1,246,693.56 270,050.86
78 30,897,288.12 1,516,744.42 1,235,891.52 280,852.90
79 30,616,435.22 1,516,744.42 1,224,657.41 292,087.01
80 30,324,348.21 1,516,744.42 1,212,973.93 303,770.49
81 30,020,577.72 1,516,744.42 1,200,823.11 315,921.31
82 29,704,656.41 1,516,744.42 1,188,186.26 328,558.16
83 29,376,098.24 1,516,744.42 1,175,043.93 341,700.49
84 29,034,397.75 1,516,744.42 1,161,375.91 355,368.51
85 28,679,029.24 1,516,744.42 1,147,161.17 369,583.25
86 28,309,445.99 1,516,744.42 1,132,377.84 384,366.58
 87 27,925,079.41 1,516,744.42 1,117,003.18 399,741.24
88 27,525,338.17 1,516,744.42 1,101,013.53 415,730.89
89 27,109,607.27 1,516,744.42 1,084,384.29 432,360.13
90 26,677,247.15 1,516,744.42 1,067,089.89 449,654.53
91 26,227,592.61 1,516,744.42 1,049,103.70 467,640.72
92 25,759,951.90 1,516,744.42 1,030,398.08 486,346.34
93 25,273,605.55 1,516,744.42 1,010,944.22 505,800.20
94 24,767,805.35 1,516,744.42 990,712.21 526,032.21
95 24,241,773.15 1,516,744.42 969,670.93 547,073.49
96 23,694,699.65 1,516,744.42 947,787.99 568,956.43
97 23,125,743.22 1,516,744.42 925,029.73 591,714.69
98 22,534,028.53 1,516,744.42 901,361.14 615,383.28
99 21,918,645.25 1,516,744.42 876,745.81 639,998.61
100 21,278,646.64 1,516,744.42 851,145.87 665,598.55
101 20,613,048.09 1,516,744.42 824,521.92 692,222.50
102 19,920,825.59 1,516,744.42 796,833.02 719,911.40
103 19,200,914.19 1,516,744.42 768,036.57 748,707.85
104 18,452,206.34 1,516,744.42 738,088.25 778,656.17
105 17,673,550.17 1,516,744.42 706,942.01 809,802.41
106 16,863,747.76 1,516,744.42 674,549.91 842,194.51
107 16,021,553.25 1,516,744.42 640,862.13 875,882.29
108 15,145,670.96 1,516,744.42 605,826.84 910,917.58
109 14,234,753.38 1,516,744.42 569,390.14 947,354.28
110 13,287,399.09 1,516,744.42 531,495.96 985,248.46
111 12,302,150.64 1,516,744.42 492,086.03 1,024,658.39
112 11,277,492.24 1,516,744.42 451,099.69 1,065,644.73
113 10,211,847.51 1,516,744.42 408,473.90 1,108,270.52
114 9,103,576.99 1,516,744.42 364,143.08 1,152,601.34
115 7,950,975.65 1,516,744.42 318,039.03 1,198,705.39
116 6,752,270.26 1,516,744.42 270,090.81 1,246,653.61
117 5,505,616.65 1,516,744.42 220,224.67 1,296,519.75
118 4,209,096.90 1,516,744.42 168,363.88 1,348,380.54
119 2,860,716.35 1,516,744.42 114,428.65 1,402,315.77
120 1,458,400.59 1,516,744.42 58,336.02 1,458,400.59
TOTAL 182,009,330.40 144,433,362.92 37,575,959.67
  0,041  0,04 120 
7575959
,67   1516744,42
  1  0,04 120
 1 

SALDO FINAL
37,575,959.67
37,562,253.64
37,547,999.36
37,533,174.92
37,517,757.49
37,501,723.37
37,485,047.89
37,467,705.38
37,449,669.18
37,430,911.53
37,411,403.57
37,391,115.29
37,370,015.48
37,348,071.68
37,325,250.13
37,301,515.71
37,276,831.92
37,251,160.78
37,224,462.79
37,196,696.88
37,167,820.34
37,137,788.73
37,106,555.86
37,074,073.67
37,040,292.20
37,005,159.47
36,968,621.43
36,930,621.86
36,891,102.32
36,850,001.99
36,807,257.65
36,762,803.54
36,716,571.26
36,668,489.69
36,618,484.86
36,566,479.83
36,512,394.60
36,456,145.97
36,397,647.39
36,336,808.86
36,273,536.80
36,207,733.85
36,139,298.78
36,068,126.31
35,994,106.95
35,917,126.80
35,837,067.46
35,753,805.74
35,667,213.54
35,577,157.67
35,483,499.55
35,386,095.11
35,284,794.50
35,179,441.86
35,069,875.11
34,955,925.70
34,837,418.31
34,714,170.62
34,585,993.02
34,452,688.32
34,314,051.44
34,169,869.07
34,019,919.42
33,863,971.77
33,701,786.23
33,533,113.25
33,357,693.36
33,175,256.68
32,985,522.53
32,788,199.01
32,582,982.55
32,369,557.43
32,147,595.31
31,916,754.70
31,676,680.47
31,427,003.27
31,167,338.98
30,897,288.12
30,616,435.22
30,324,348.21
30,020,577.72
29,704,656.41
29,376,098.24
29,034,397.75
28,679,029.24
28,309,445.99
27,925,079.41
27,525,338.17
27,109,607.27
26,677,247.15
26,227,592.61
25,759,951.90
25,273,605.55
24,767,805.35
24,241,773.15
23,694,699.65
23,125,743.22
22,534,028.53
21,918,645.25
21,278,646.64
20,613,048.09
19,920,825.59
19,200,914.19
18,452,206.34
17,673,550.17
16,863,747.76
16,021,553.25
15,145,670.96
14,234,753.38
13,287,399.09
12,302,150.64
11,277,492.24
10,211,847.51
9,103,576.99
7,950,975.65
6,752,270.26
5,505,616.65
4,209,096.90
2,860,716.35
1,458,400.59
0.00