Repaso a)Elaborar la tablade amortizacion

Cuotas Iguales (Sistema Frances) b)Determinar la cuota mensual

Monto $ 20,000,000
Tasa 15% EA 1.17% MV
Plazo Año y medio
Pagos Mensuales

MES PAGO CUOTA INTERESES ABONO A K SALDO TASA

0 $ 20,000,000 1.17%
1 1238678.39125 $ 234,298 $ 1,004,380 $ 18,995,620 1.17%
2 1238678.39125 $ 222,532 $ 1,016,146 $ 17,979,474 1.17%
3 1238678.39125 $ 210,628 $ 1,028,050 $ 16,951,423 1.17%
4 1238678.39125 $ 198,585 $ 1,040,094 $ 15,911,329 1.17%
5 1238678.39125 $ 186,400 $ 1,052,278 $ 14,859,051 1.17%
6 1238678.39125 $ 174,073 $ 1,064,606 $ 13,794,445 1.17%
7 1238678.39125 $ 161,601 $ 1,077,078 $ 12,717,367 1.17%
8 1238678.39125 $ 148,983 $ 1,089,695 $ 11,627,672 1.17%
9 1238678.39125 $ 136,217 $ 1,102,461 $ 10,525,211 1.17%
10 1238678.39125 $ 123,302 $ 1,115,376 $ 9,409,834 1.17%
11 1238678.39125 $ 110,235 $ 1,128,443 $ 8,281,391 1.17%
12 1238678.39125 $ 97,016 $ 1,141,663 $ 7,139,729 1.17%
13 1238678.39125 $ 83,641 $ 1,155,037 $ 5,984,692 1.17%
14 1238678.39125 $ 70,110 $ 1,168,568 $ 4,816,124 1.17%
15 1238678.39125 $ 56,420 $ 1,182,258 $ 3,633,866 1.17%
16 1238678.39125 $ 42,570 $ 1,196,108 $ 2,437,758 1.17%
17 1238678.39125 $ 28,558 $ 1,210,120 $ 1,227,637 1.17%
18 1238678.39125 $ 14,382 $ 1,224,297 $ 3,341 1.17%
TOTALES 22296211.0425 $ 2,299,552 $ 19,996,659
 a)Elaborar la tablade amortizacion
SISTEMA DE CUOTAS IGUALES CON TASA VARIABLE b)Determinar la cuota mensual

Monto $ 20,000,000
Tasa 15% EA 1.17%
Plazo Año y medio
Pagos Mensuales Nota: La tasa aumenta 0.1% mes a mes

MES PAGO CUOTA INTERESES ABONO A K SALDO TASA

0 $ 20,000,000 1.17%
1 $ 1,301,247 $ 234,298 $ 1,066,949 $ 18,933,051 1.27%
2 $ 1,301,247 $ 240,732 $ 1,060,515 $ 17,872,536 1.37%
3 $ 1,301,247 $ 245,120 $ 1,056,127 $ 16,816,409 1.47%
4 $ 1,301,247 $ 247,452 $ 1,053,795 $ 15,762,614 1.57%
5 $ 1,301,247 $ 247,708 $ 1,053,539 $ 14,709,075 1.67%
6 $ 1,301,247 $ 245,861 $ 1,055,386 $ 13,653,688 1.77%
7 $ 1,301,247 $ 241,874 $ 1,059,373 $ 12,594,315 1.87%
8 $ 1,301,247 $ 235,702 $ 1,065,546 $ 11,528,769 1.97%
9 $ 1,301,247 $ 227,289 $ 1,073,959 $ 10,454,810 2.07%
10 $ 1,301,247 $ 216,571 $ 1,084,677 $ 9,370,134 2.17%
11 $ 1,301,247 $ 203,472 $ 1,097,776 $ 8,272,358 2.27%
12 $ 1,301,247 $ 187,906 $ 1,113,341 $ 7,159,017 2.37%
13 $ 1,301,247 $ 169,775 $ 1,131,472 $ 6,027,545 2.47%
14 $ 1,301,247 $ 148,970 $ 1,152,277 $ 4,875,268 2.57%
15 $ 1,301,247 $ 125,367 $ 1,175,880 $ 3,699,388 2.67%
16 $ 1,301,247 $ 98,829 $ 1,202,418 $ 2,496,969 2.77%
17 $ 1,301,247 $ 69,203 $ 1,232,044 $ 1,264,925 2.87%
18 $ 1,301,247 $ 36,322 $ 1,264,925 $ 0 2.97%
TOTALES $ 23,422,452 $ 3,422,452 $ 20,000,000
INCREMENTO 0.10% MES A MES
 a)Elaborar la tablade amortizacion
SISTEMA CON GRADIENTE ARITMETICO

Monto $ 20,000,000
Tasa 6% SV 0.98% MV
Plazo Año y medio
Pagos Mensuales Nota: Las cuotas o pagos aumentan en 50.000 mes a m

MES PAGO CUOTA INTERESES ABONO A K SALDO TASA

0 $ 20,000,000 0.98%
1 $ 805,017 $ 195,175.88 $ 609,841.04 $ 19,390,159 0.98%
2 $ 855,017 $ 189,224.57 $ 665,792.35 $ 18,724,367 0.98%
3 $ 905,017 $ 182,727.24 $ 722,289.68 $ 18,002,077 0.98%
4 $ 955,017 $ 175,678.56 $ 779,338.36 $ 17,222,739 0.98%
5 $ 1,005,017 $ 168,073.16 $ 836,943.76 $ 16,385,795 0.98%
6 $ 1,055,017 $ 159,905.60 $ 895,111.32 $ 15,490,683 0.98%
7 $ 1,105,017 $ 151,170.39 $ 953,846.53 $ 14,536,837 0.98%
8 $ 1,155,017 $ 141,862.00 $ 1,013,154.92 $ 13,523,682 0.98%
9 $ 1,205,017 $ 131,974.83 $ 1,073,042.09 $ 12,450,640 0.98%
10 $ 1,255,017 $ 121,503.23 $ 1,133,513.69 $ 11,317,126 0.98%
11 $ 1,305,017 $ 110,441.51 $ 1,194,575.42 $ 10,122,551 0.98%
12 $ 1,355,017 $ 98,783.89 $ 1,256,233.03 $ 8,866,318 0.98%
13 $ 1,405,017 $ 86,524.57 $ 1,318,492.35 $ 7,547,825 0.98%
14 $ 1,455,017 $ 73,657.68 $ 1,381,359.25 $ 6,166,466 0.98%
15 $ 1,505,017 $ 60,177.27 $ 1,444,839.65 $ 4,721,627 0.98%
16 $ 1,555,017 $ 46,077.38 $ 1,508,939.54 $ 3,212,687 0.98%
17 $ 1,605,017 $ 31,351.95 $ 1,573,664.97 $ 1,639,022 0.98%
18 $ 1,655,017 $ 15,994.88 $ 1,639,022.04 $ 0 0.98%
TOTALES $ 22,140,305 $ 2,140,304.60 $ 20,000,000.00
de amortizacion Gradiente: Cuotas que aumentan o decrecen
Si aumenta es en un valor constante

pagos aumentan en 50.000 mes a mes

INCREMENTO $ 50,000 MES A MES

$ 50,000
$ 50,000 Chart Title
$ 50,000 1800000
$ 50,000 1600000
$ 50,000
1400000
$ 50,000
1200000
$ 50,000
$ 50,000 1000000
$ 50,000 800000
$ 50,000 600000
$ 50,000
400000
$ 50,000
200000
$ 50,000
$ 50,000 0
0 2 4 6 8 10 12 14 16 18 20
$ 50,000
$ 50,000
16 18 20
 a)Elaborar la tablade amortizacion
SISTEMA CON GRADIENTE ARITMETICO ESCALONADO

Monto $ 20,000,000
Tasa 4% TV 1.32% MV
Plazo Año y medio
Pagos Mensuales Nota: Las cuotas o pagos aumentan en 80.000 cada tre

MES PAGO CUOTA INTERESES ABONO A K SALDO TASA

0 $ 20,000,000 1.32%
1 $ 1,064,299 $ 263,188.08 $ 801,111.21 $ 19,198,889 1.32%
2 $ 1,064,299 $ 252,645.93 $ 811,653.35 $ 18,387,235 1.32%
3 $ 1,064,299 $ 241,965.06 $ 822,334.23 $ 17,564,901 1.32%
4 $ 1,144,299 $ 231,143.63 $ 913,155.66 $ 16,651,746 1.32%
5 $ 1,144,299 $ 219,127.04 $ 925,172.24 $ 15,726,573 1.32%
6 $ 1,144,299 $ 206,952.33 $ 937,346.96 $ 14,789,226 1.32%
7 $ 1,224,299 $ 194,617.40 $ 1,029,681.88 $ 13,759,544 1.32%
8 $ 1,224,299 $ 181,067.40 $ 1,043,231.88 $ 12,716,313 1.32%
9 $ 1,224,299 $ 167,339.09 $ 1,056,960.19 $ 11,659,352 1.32%
10 $ 1,304,299 $ 153,430.13 $ 1,150,869.16 $ 10,508,483 1.32%
11 $ 1,304,299 $ 138,285.37 $ 1,166,013.91 $ 9,342,469 1.32%
12 $ 1,304,299 $ 122,941.33 $ 1,181,357.96 $ 8,161,111 1.32%
13 $ 1,384,299 $ 107,395.36 $ 1,276,903.92 $ 6,884,207 1.32%
14 $ 1,384,299 $ 90,592.07 $ 1,293,707.22 $ 5,590,500 1.32%
15 $ 1,384,299 $ 73,567.65 $ 1,310,731.63 $ 4,279,769 1.32%
16 $ 1,464,299 $ 56,319.20 $ 1,407,980.08 $ 2,871,789 1.32%
17 $ 1,464,299 $ 37,791.02 $ 1,426,508.26 $ 1,445,280 1.32%
18 $ 1,464,299 $ 19,019.03 $ 1,445,280.26 $ 0 1.32%
TOTALES $ 22,757,387 $ 2,757,387.12 $ 20,000,000.00
de amortizacion

pagos aumentan en 80.000 cada tres meses

INCREMENTO $ 80,000 MES A MES

Chart Title
$ 1,600,000

$ 1,400,000

$ 1,200,000

$ 1,000,000

$ 800,000

$ 600,000

$ 400,000

$ 200,000

$-
0 2 4 6 8 10 12 14 16 18 20
18 20
 a)Elaborar la tablade amortizacion
SISTEMA CON GRADIENTE GEOMETRICO

Monto $ 20,000,000
Tasa 4% TV 1.32% MV
Plazo Año y medio
Pagos Mensuales Nota: Las cuotas o pagos aumentan en 5% mes a mes

MES PAGO CUOTA INTERESES ABONO A K SALDO TASA

0 $ 20,000,000 1.32%
1 $ 1,250,050 $ 263,188.08 $ 986,862.09 $ 19,013,138 1.32%
2 $ 1,250,675 $ 250,201.56 $ 1,000,473.63 $ 18,012,664 1.32%
3 $ 1,251,301 $ 237,035.92 $ 1,014,264.60 $ 16,998,400 1.32%
4 $ 1,251,926 $ 223,688.81 $ 1,028,237.37 $ 15,970,162 1.32%
5 $ 1,252,552 $ 210,157.82 $ 1,042,394.32 $ 14,927,768 1.32%
6 $ 1,253,178 $ 196,440.53 $ 1,056,737.89 $ 13,871,030 1.32%
7 $ 1,253,805 $ 182,534.49 $ 1,071,270.52 $ 12,799,760 1.32%
8 $ 1,254,432 $ 168,437.21 $ 1,085,994.70 $ 11,713,765 1.32%
9 $ 1,255,059 $ 154,146.16 $ 1,100,912.96 $ 10,612,852 1.32%
10 $ 1,255,687 $ 139,658.80 $ 1,116,027.85 $ 9,496,824 1.32%
11 $ 1,256,314 $ 124,972.54 $ 1,131,341.95 $ 8,365,482 1.32%
12 $ 1,256,943 $ 110,084.76 $ 1,146,857.89 $ 7,218,624 1.32%
13 $ 1,257,571 $ 94,992.79 $ 1,162,578.33 $ 6,056,046 1.32%
14 $ 1,258,200 $ 79,693.95 $ 1,178,505.95 $ 4,877,540 1.32%
15 $ 1,258,829 $ 64,185.52 $ 1,194,643.49 $ 3,682,896 1.32%
16 $ 1,259,458 $ 48,464.72 $ 1,210,993.70 $ 2,471,903 1.32%
17 $ 1,260,088 $ 32,528.77 $ 1,227,559.39 $ 1,244,343 1.32%
18 $ 1,260,718 $ 16,374.82 $ 1,244,343.38 $ 0 1.32%
TOTALES $ 22,596,787 $ 2,596,787.24 $ 20,000,000.00
de amortizacion

pagos aumentan en 5% mes a mes

INCREMENTO 0.05% MES A MES

$ 625
SISTEMA CON GRADIENTE GEOMETRICO
$ 1,262,000
$ 1,260,000
$ 1,258,000
$ 1,256,000
$ 1,254,000
$ 1,252,000
$ 1,250,000
$ 1,248,000
$ 1,246,000
$ 1,244,000
0 2 4 6 8 10 12 14 16 18 20
ETRICO

14 16 18 20
 a)Elaborar la tablade amortizacion
SISTEMA CON GRADIENTE GEOMETRICO ESCALONADO

Monto $ 20,000,000
Tasa 4% TV 1.32% MV
Plazo Año y medio
Pagos Mensuales Nota: Las cuotas o pagos aumentan en 15% cada 3 me

MES PAGO CUOTA INTERESES ABONO A K SALDO TASA

0 $ 20,000,000 1.32%
1 $ 1,250,672 $ 263,188.08 $ 987,484.00 $ 19,012,516 1.32%
2 $ 1,250,672 $ 250,193.38 $ 1,000,478.71 $ 18,012,037 1.32%
3 $ 1,250,672 $ 237,027.67 $ 1,013,644.41 $ 16,998,393 1.32%
4 $ 1,252,548 $ 223,688.72 $ 1,028,859.37 $ 15,969,534 1.32%
5 $ 1,252,548 $ 210,149.54 $ 1,042,398.55 $ 14,927,135 1.32%
6 $ 1,252,548 $ 196,432.20 $ 1,056,115.89 $ 13,871,019 1.32%
7 $ 1,254,427 $ 182,534.34 $ 1,071,892.57 $ 12,799,126 1.32%
8 $ 1,254,427 $ 168,428.87 $ 1,085,998.04 $ 11,713,128 1.32%
9 $ 1,254,427 $ 154,137.79 $ 1,100,289.12 $ 10,612,839 1.32%
10 $ 1,256,309 $ 139,658.64 $ 1,116,649.91 $ 9,496,189 1.32%
11 $ 1,256,309 $ 124,964.19 $ 1,131,344.36 $ 8,364,845 1.32%
12 $ 1,256,309 $ 110,076.37 $ 1,146,232.18 $ 7,218,613 1.32%
13 $ 1,258,193 $ 94,992.64 $ 1,163,200.37 $ 6,055,413 1.32%
14 $ 1,258,193 $ 79,685.62 $ 1,178,507.40 $ 4,876,905 1.32%
15 $ 1,258,193 $ 64,177.16 $ 1,194,015.85 $ 3,682,889 1.32%
16 $ 1,260,080 $ 48,464.63 $ 1,211,615.68 $ 2,471,274 1.32%
17 $ 1,260,080 $ 32,520.49 $ 1,227,559.82 $ 1,243,714 1.32%
18 $ 1,260,080 $ 16,366.53 $ 1,243,713.77 $ 0 1.32%
TOTALES $ 22,596,687 $ 2,596,686.85 $ 20,000,000.00
de amortizacion

pagos aumentan en 15% cada 3 meses

INCREMENTO 0.15% MES A MES

SISTEMA CON GRADIENTE GEOMETRICO

ESCALONADO
1262000
1260000
1258000
1256000
1254000
1252000
1250000
1248000
1246000
1244000
0 2 4 6 8 10 12 14 16 18 20
CO

18 20