Doña Gloria tiene aprobado un préstamo de $130.

000 a
ser cancelados durante 15 años mediante pagos
mensuales constantes, siendo la tasa de interés del 6%
nominal anual capitalizable mensualmente. Transcurridos
tres años, Doña Gloria entrega una cantidad adicional
para reducir la deuda pendiente a la mitad y renegocia las
condiciones del préstamo con la entidad financiera PERIODO
acordando efectuar en lo sucesivo pagos mensuales 0
constantes acortando la duración total del préstamo en 1
un año y reduciendo el tipo de interés en un punto (5% 2
nominal anual capitalizable mensualmente.) Determine:
a) El valor de los pagos mensuales constantes antes de la 3
renegociación. b) La cantidad adicional para reducir la 4
deuda pendiente. c) El valor de los pagos mensuales 5
constantes después de la renegociación. Elabore la tabla 6
de amortización en los periodos mensuales 61, 62 y 63. 7
8
9
VF= 130000 10
t= 15 años 11
tmeses= 180 12
i= 0.005 13
R= $1,097.01 14
i2= 0.00416667 15
tmeses2= 36 16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
 86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
PAGO CUOTA INTERES AMORTIZACION SALDO
130000
$1,097.01 650 $447.01 $129,552.99
$1,097.01 647.765 $449.25 $129,103.74
$1,097.01 645.519 $451.50 $128,652.24
$1,097.01 643.261 $453.75 $128,198.49
$1,097.01 640.992 $456.02 $127,742.47
$1,097.01 638.712 $458.30 $127,284.17
$1,097.01 636.421 $460.59 $126,823.57
$1,097.01 634.118 $462.90 $126,360.68
$1,097.01 631.803 $465.21 $125,895.47
$1,097.01 629.477 $467.54 $125,427.93
$1,097.01 627.14 $469.87 $124,958.06
$1,097.01 624.79 $472.22 $124,485.83
$1,097.01 622.429 $474.58 $124,011.25
$1,097.01 620.056 $476.96 $123,534.29
$1,097.01 617.671 $479.34 $123,054.95
$1,097.01 615.275 $481.74 $122,573.21
$1,097.01 612.866 $484.15 $122,089.06
$1,097.01 610.445 $486.57 $121,602.49
$1,097.01 608.012 $489.00 $121,113.49
$1,097.01 605.567 $491.45 $120,622.04
$1,097.01 603.11 $493.90 $120,128.14
$1,097.01 600.641 $496.37 $119,631.77
$1,097.01 598.159 $498.86 $119,132.91
$1,097.01 595.665 $501.35 $118,631.56
$1,097.01 593.158 $503.86 $118,127.71
$1,097.01 590.639 $506.38 $117,621.33
$1,097.01 588.107 $508.91 $117,112.42
$1,097.01 585.562 $511.45 $116,600.97
$1,097.01 583.005 $514.01 $116,086.96
$1,097.01 580.435 $516.58 $115,570.38
$1,097.01 577.852 $519.16 $115,051.22
$1,097.01 575.256 $521.76 $114,529.46
$1,097.01 572.647 $524.37 $114,005.10
$1,097.01 570.025 $526.99 $113,478.11
$1,097.01 567.391 $529.62 $112,948.49
$1,097.01 564.742 $532.27 $112,416.22
$1,097.01 562.081 $534.93 $111,881.28
$1,097.01 559.406 $537.61 $111,343.67
$1,097.01 556.718 $540.30 $110,803.38
$1,097.01 554.017 $543.00 $110,260.38
$1,097.01 551.302 $545.71 $109,714.67
$1,097.01 548.573 $548.44 $109,166.23
$1,097.01 545.831 $551.18 $108,615.05
$1,097.01 543.075 $553.94 $108,061.11
$1,097.01 540.306 $556.71 $107,504.40
$1,097.01 537.522 $559.49 $106,944.91
$1,097.01 534.725 $562.29 $106,382.62
$1,097.01 531.913 $565.10 $105,817.52
$1,097.01 529.088 $567.93 $105,249.59
$1,097.01 526.248 $570.77 $104,678.83
$1,097.01 523.394 $573.62 $104,105.21
$1,097.01 520.526 $576.49 $103,528.72
$1,097.01 517.644 $579.37 $102,949.35
$1,097.01 514.747 $582.27 $102,367.08
$1,097.01 511.835 $585.18 $101,781.90
$1,097.01 508.91 $588.10 $101,193.80
$1,097.01 505.969 $591.04 $100,602.75
$1,097.01 503.014 $594.00 $100,008.75
$1,097.01 500.044 $596.97 $99,411.78
$1,097.01 497.059 $599.95 $98,811.83
$1,097.01 494.059 $602.95 $98,208.87
$1,097.01 491.044 $605.97 $97,602.90
$1,097.01 488.015 $609.00 $96,993.90
$1,097.01 484.97 $612.04 $96,381.86
$1,097.01 481.909 $615.10 $95,766.76
$1,097.01 478.834 $618.18 $95,148.58
$1,097.01 475.743 $621.27 $94,527.30
$1,097.01 472.637 $624.38 $93,902.93
$1,097.01 469.515 $627.50 $93,275.43
$1,097.01 466.377 $630.64 $92,644.79
$1,097.01 463.224 $633.79 $92,011.00
$1,097.01 460.055 $636.96 $91,374.04
$1,097.01 456.87 $640.14 $90,733.90
$1,097.01 453.669 $643.34 $90,090.55
$1,097.01 450.453 $646.56 $89,443.99
$1,097.01 447.22 $649.79 $88,794.20
$1,097.01 443.971 $653.04 $88,141.16
$1,097.01 440.706 $656.31 $87,484.85
$1,097.01 437.424 $659.59 $86,825.26
$1,097.01 434.126 $662.89 $86,162.37
$1,097.01 430.812 $666.20 $85,496.17
$1,097.01 427.481 $669.53 $84,826.64
$1,097.01 424.133 $672.88 $84,153.76
$1,097.01 420.769 $676.25 $83,477.51
$1,097.01 417.388 $679.63 $82,797.88
$1,097.01 413.989 $683.02 $82,114.86
$1,097.01 410.574 $686.44 $81,428.42
$1,097.01 407.142 $689.87 $80,738.55
$1,097.01 403.693 $693.32 $80,045.23
$1,097.01 400.226 $696.79 $79,348.44
$1,097.01 396.742 $700.27 $78,648.17
$1,097.01 393.241 $703.77 $77,944.39
$1,097.01 389.722 $707.29 $77,237.10
$1,097.01 386.186 $710.83 $76,526.27
$1,097.01 382.631 $714.38 $75,811.89
$1,097.01 379.059 $717.95 $75,093.94
$1,097.01 375.47 $721.54 $74,372.39
$1,097.01 371.862 $725.15 $73,647.24
$1,097.01 368.236 $728.78 $72,918.46
$1,097.01 364.592 $732.42 $72,186.04
$1,097.01 360.93 $736.08 $71,449.96
$1,097.01 357.25 $739.76 $70,710.19
$1,097.01 353.551 $743.46 $69,966.73
$1,097.01 349.834 $747.18 $69,219.55
$1,097.01 346.098 $750.92 $68,468.64
$1,097.01 342.343 $754.67 $67,713.96
$1,097.01 338.57 $758.44 $66,955.52
$1,097.01 334.778 $762.24 $66,193.28
$1,097.01 330.966 $766.05 $65,427.24
$1,097.01 327.136 $769.88 $64,657.36
$1,097.01 323.287 $773.73 $63,883.63
$1,097.01 319.418 $777.60 $63,106.04
$1,097.01 315.53 $781.48 $62,324.55
$1,097.01 311.623 $785.39 $61,539.16
$1,097.01 307.696 $789.32 $60,749.84
$1,097.01 303.749 $793.26 $59,956.58
$1,097.01 299.783 $797.23 $59,159.35
$1,097.01 295.797 $801.22 $58,358.13
$1,097.01 291.791 $805.22 $57,552.91
$1,097.01 287.765 $809.25 $56,743.66
$1,097.01 283.718 $813.30 $55,930.36
$1,097.01 279.652 $817.36 $55,113.00
$1,097.01 275.565 $821.45 $54,291.55
$1,097.01 271.458 $825.56 $53,466.00
$1,097.01 267.33 $829.68 $52,636.31
$1,097.01 263.182 $833.83 $51,802.48
$1,097.01 259.012 $838.00 $50,964.48
$1,097.01 254.822 $842.19 $50,122.29
$1,097.01 250.611 $846.40 $49,275.88
$1,097.01 246.379 $850.63 $48,425.25
$1,097.01 242.126 $854.89 $47,570.36
$1,097.01 237.852 $859.16 $46,711.20
$1,097.01 233.556 $863.46 $45,847.74
$1,097.01 229.239 $867.78 $44,979.97
$1,097.01 224.9 $872.11 $44,107.85
$1,097.01 220.539 $876.47 $43,231.38
$1,097.01 216.157 $880.86 $42,350.52
$1,097.01 211.753 $885.26 $41,465.26
$1,097.01 207.326 $889.69 $40,575.57
$1,097.01 202.878 $894.14 $39,681.44
$1,097.01 198.407 $898.61 $38,782.83
$1,097.01 193.914 $903.10 $37,879.73
$1,097.01 189.399 $907.62 $36,972.11
$1,097.01 184.861 $912.15 $36,059.96
$1,097.01 180.3 $916.71 $35,143.25
$1,097.01 175.716 $921.30 $34,221.95
$1,097.01 171.11 $925.90 $33,296.05
$1,097.01 166.48 $930.53 $32,365.51
$1,097.01 161.828 $935.19 $31,430.33
$1,097.01 157.152 $939.86 $30,490.46
$1,097.01 152.452 $944.56 $29,545.90
$1,097.01 147.73 $949.28 $28,596.62
$1,097.01 142.983 $954.03 $27,642.59
$1,097.01 138.213 $958.80 $26,683.79
$1,097.01 133.419 $963.59 $25,720.19
$1,097.01 128.601 $968.41 $24,751.78
$1,097.01 123.759 $973.25 $23,778.52
$1,097.01 118.893 $978.12 $22,800.40
$1,097.01 114.002 $983.01 $21,817.39
$1,097.01 109.087 $987.93 $20,829.46
$1,097.01 104.147 $992.87 $19,836.60
$1,097.01 99.183 $997.83 $18,838.76
$1,097.01 94.1938 $1,002.82 $17,835.94
$1,097.01 89.1797 $1,007.83 $16,828.11
$1,097.01 84.1406 $1,012.87 $15,815.24
$1,097.01 79.0762 $1,017.94 $14,797.30
$1,097.01 73.9865 $1,023.03 $13,774.27
$1,097.01 68.8714 $1,028.14 $12,746.13
$1,097.01 63.7306 $1,033.28 $11,712.85
$1,097.01 58.5642 $1,038.45 $10,674.40
$1,097.01 53.372 $1,043.64 $9,630.75
$1,097.01 48.1538 $1,048.86 $8,581.89
$1,097.01 42.9095 $1,054.10 $7,527.79
$1,097.01 37.639 $1,059.37 $6,468.42
$1,097.01 32.3421 $1,064.67 $5,403.74
$1,097.01 27.0187 $1,070.00 $4,333.75
$1,097.01 21.6687 $1,075.35 $3,258.40
$1,097.01 16.292 $1,080.72 $2,177.68
$1,097.01 10.8884 $1,086.13 $1,091.56
$1,097.01 5.45778 $1,091.56 $0.00
 Hoy se contrae una deuda por 50.000 al 20% efectivo anual, si
la deuda se amortiza con pagos mensuales vencidos durante
10 años. a) Hallar los derechos del acreedor (saldo insoluto) y
los derechos del deudor (parte amortizada) al final del sexto
año (mes número 72). b) Elabore en la tabla de amortización
las líneas 73, 74 y 75.

VA= 50000
i= 20% 0.016666666667
t= 10
tmeses= 120
r= $966.28

Pago 72 Saldo 71 $32,183.64

PAGO CUOTA INTERES AMORTIZACION SALDO

$32,183.64
$966.28 $536.39 $429.88 $31,753.76
$966.28 $529.23 $437.05 $31,316.71
$966.28 $521.95 $444.33 $30,872.38
$966.28 $514.54 $451.74 $30,420.64
PERIODO PAGO CUOTA INTERES AMORTIZACION SALDO
0 50000
1 $966.28 833.333333 $132.95 $49,867.05
2 $966.28 831.117583 $135.16 $49,731.89
3 $966.28 828.864903 $137.41 $49,594.48
4 $966.28 826.574679 $139.70 $49,454.78
5 $966.28 824.246284 $142.03 $49,312.74
6 $966.28 821.879083 $144.40 $49,168.35
7 $966.28 819.472428 $146.81 $49,021.54
8 $966.28 817.025663 $149.25 $48,872.29
9 $966.28 814.538118 $151.74 $48,720.55
10 $966.28 812.009114 $154.27 $48,566.28
11 $966.28 809.43796 $156.84 $48,409.44
12 $966.28 806.823953 $159.45 $48,249.98
13 $966.28 804.166379 $162.11 $48,087.87
14 $966.28 801.464513 $164.81 $47,923.06
15 $966.28 798.717616 $167.56 $47,755.50
16 $966.28 795.924937 $170.35 $47,585.14
17 $966.28 793.085713 $173.19 $47,411.95
18 $966.28 790.199169 $176.08 $47,235.87
19 $966.28 787.264515 $179.01 $47,056.86
20 $966.28 784.280951 $182.00 $46,874.86
21 $966.28 781.247661 $185.03 $46,689.83
22 $966.28 778.163816 $188.11 $46,501.71
23 $966.28 775.028574 $191.25 $46,310.46
24 $966.28 771.841077 $194.44 $46,116.03
25 $966.28 768.600456 $197.68 $45,918.35
26 $966.28 765.305824 $200.97 $45,717.38
27 $966.28 761.956282 $204.32 $45,513.05
28 $966.28 758.550914 $207.73 $45,305.33
29 $966.28 755.08879 $211.19 $45,094.14
30 $966.28 751.568964 $214.71 $44,879.43
31 $966.28 747.990474 $218.29 $44,661.14
32 $966.28 744.352342 $221.93 $44,439.21
33 $966.28 740.653575 $225.62 $44,213.59
34 $966.28 736.893162 $229.39 $43,984.20
35 $966.28 733.070076 $233.21 $43,751.00
36 $966.28 729.183271 $237.10 $43,513.90
37 $966.28 725.231686 $241.05 $43,272.85
38 $966.28 721.214241 $245.06 $43,027.79
39 $966.28 717.129839 $249.15 $42,778.64
40 $966.28 712.977364 $253.30 $42,525.34
41 $966.28 708.755681 $257.52 $42,267.82
42 $966.28 704.463636 $261.81 $42,006.00
43 $966.28 700.100057 $266.18 $41,739.83
44 $966.28 695.663752 $270.61 $41,469.21
45 $966.28 691.153509 $275.12 $41,194.09
46 $966.28 686.568095 $279.71 $40,914.38
47 $966.28 681.906257 $284.37 $40,630.00
48 $966.28 677.166722 $289.11 $40,340.89
49 $966.28 672.348194 $293.93 $40,046.96
50 $966.28 667.449358 $298.83 $39,748.13
51 $966.28 662.468875 $303.81 $39,444.32
52 $966.28 657.405383 $308.87 $39,135.45
53 $966.28 652.257501 $314.02 $38,821.43
54 $966.28 647.023819 $319.25 $38,502.17
55 $966.28 641.70291 $324.58 $38,177.60
56 $966.28 636.29332 $329.99 $37,847.61
57 $966.28 630.793569 $335.48 $37,512.13
58 $966.28 625.202156 $341.08 $37,171.05
59 $966.28 619.517552 $346.76 $36,824.29
60 $966.28 613.738206 $352.54 $36,471.75
61 $966.28 607.862536 $358.42 $36,113.34
62 $966.28 601.888939 $364.39 $35,748.95
63 $966.28 595.815782 $370.46 $35,378.48
64 $966.28 589.641406 $376.64 $35,001.85
65 $966.28 583.364123 $382.91 $34,618.93
66 $966.28 576.982219 $389.30 $34,229.64
67 $966.28 570.49395 $395.78 $33,833.85
68 $966.28 563.897543 $402.38 $33,431.47
69 $966.28 557.191196 $409.09 $33,022.38
70 $966.28 550.373077 $415.91 $32,606.48
71 $966.28 543.441322 $422.84 $32,183.64
72 $966.28 536.394038 $429.88 $31,753.76
73 $966.28 529.2293 $437.05 $31,316.71
74 $966.28 521.945149 $444.33 $30,872.38
75 $966.28 514.539595 $451.74 $30,420.64
76 $966.28 507.010616 $459.27 $29,961.37
77 $966.28 499.356153 $466.92 $29,494.45
78 $966.28 491.574116 $474.70 $29,019.74
79 $966.28 483.662379 $482.62 $28,537.13
80 $966.28 475.618779 $490.66 $28,046.47
81 $966.28 467.44112 $498.84 $27,547.63
82 $966.28 459.127166 $507.15 $27,040.48
83 $966.28 450.674646 $515.60 $26,524.88
84 $966.28 442.08125 $524.20 $26,000.68
85 $966.28 433.344632 $532.93 $25,467.74
86 $966.28 424.462403 $541.82 $24,925.93
87 $966.28 415.432137 $550.85 $24,375.08
88 $966.28 406.251367 $560.03 $23,815.06
89 $966.28 396.917583 $569.36 $23,245.69
 90 $966.28 387.428237 $578.85 $22,666.84
91 $966.28 377.780735 $588.50 $22,078.35
92 $966.28 367.972441 $598.31 $21,480.04
93 $966.28 358.000676 $608.28 $20,871.76
94 $966.28 347.862715 $618.42 $20,253.35
95 $966.28 337.555787 $628.72 $19,624.62
96 $966.28 327.077078 $639.20 $18,985.42
97 $966.28 316.423723 $649.85 $18,335.57
98 $966.28 305.592812 $660.69 $17,674.88
99 $966.28 294.581386 $671.70 $17,003.19
100 $966.28 283.386437 $682.89 $16,320.29
101 $966.28 272.004905 $694.27 $15,626.02
102 $966.28 260.43368 $705.84 $14,920.18
103 $966.28 248.669602 $717.61 $14,202.57
104 $966.28 236.709457 $729.57 $13,473.00
105 $966.28 224.549975 $741.73 $12,731.27
106 $966.28 212.187835 $754.09 $11,977.18
107 $966.28 199.61966 $766.66 $11,210.52
108 $966.28 186.842015 $779.44 $10,431.08
109 $966.28 173.851409 $792.43 $9,638.66
110 $966.28 160.644293 $805.63 $8,833.02
111 $966.28 147.217058 $819.06 $8,013.96
112 $966.28 133.566037 $832.71 $7,181.25
113 $966.28 119.687498 $846.59 $6,334.66
114 $966.28 105.57765 $860.70 $5,473.96
115 $966.28 91.2326384 $875.05 $4,598.91
116 $966.28 76.648543 $889.63 $3,709.28
117 $966.28 61.8213794 $904.46 $2,804.83
118 $966.28 46.7470964 $919.53 $1,885.29
119 $966.28 31.4215753 $934.86 $950.44
120 $966.28 15.8406289 $950.44 $0.00
 Una deuda de $40.000 es pagada mediante la siguiente forma de
amortización: El primer pago se lo realiza al tercer mes de contraída
la deuda. Se realizan 24 pagos bimestrales. Se paga una tasa del 15%
anual capitalización trimestral. a) Determinar el valor de los pagos. b)
Haga la tabla de amortización de las líneas 19, 20 y 21. c) Si la persona
desea hacer pagos incrementales para cancelar la deuda,
incrementando en $10 dólares el segundo pago, $20 el tercer pago, y
así sucesivamente, determine en qué tiempo terminaría de pagar la
deuda.

VA= 40000
itrim= 0.04 0.03
t= 24
r= $2,236.51

En 23 pagos y medio
PERIODO PAGO CUOTA INTERES AMORTIZACION SALDO PERIODO PAGO CUOTA
0 0
1 1
2 40000 2
3 $2,236.51 1,000.00 $1,236.51 $38,763.49 3 $2,236.51
4 $2,236.51 969.09 $1,267.43 $37,496.06 4 $2,236.51
5 $2,236.51 937.40 $1,299.11 $36,196.95 5 $2,236.51
6 $2,236.51 904.92 $1,331.59 $34,865.36 6 $2,236.51
7 $2,236.51 871.63 $1,364.88 $33,500.48 7 $2,236.51
8 $2,236.51 837.51 $1,399.00 $32,101.48 8 $2,236.51
9 $2,236.51 802.54 $1,433.98 $30,667.51 9 $2,236.51
10 $2,236.51 766.69 $1,469.83 $29,197.68 10 $2,236.51
11 $2,236.51 729.94 $1,506.57 $27,691.11 11 $2,236.51
12 $2,236.51 692.28 $1,544.24 $26,146.87 12 $2,236.51
13 $2,236.51 653.67 $1,582.84 $24,564.03 13 $2,236.51
14 $2,236.51 614.10 $1,622.41 $22,941.62 14 $2,236.51
15 $2,236.51 573.54 $1,662.97 $21,278.65 15 $2,236.51
16 $2,236.51 531.97 $1,704.55 $19,574.10 16 $2,236.51
17 $2,236.51 489.35 $1,747.16 $17,826.94 17 $2,236.51
18 $2,236.51 445.67 $1,790.84 $16,036.10 18 $2,236.51
19 $2,236.51 400.90 $1,835.61 $14,200.49 19 $2,236.51
20 $2,236.51 355.01 $1,881.50 $12,318.99 20 $2,236.51
21 $2,236.51 307.97 $1,928.54 $10,390.45 21 $2,236.51
22 $2,236.51 259.76 $1,976.75 $8,413.70 22 $2,236.51
23 $2,236.51 210.34 $2,026.17 $6,387.53 23 $2,236.51
24 $2,236.51 159.69 $2,076.82 $4,310.71 24 $2,236.51
25 $2,236.51 107.77 $2,128.75 $2,181.96 25 $2,236.51
26 $2,236.51 54.55 $2,181.96 $0.00
INTERES AMORTIZACION SALDO

40000
1,000.00 $1,236.51 $38,763.49
969.09 $1,267.43 $37,486.06
937.15 $1,299.36 $36,166.70
904.17 $1,332.35 $34,804.35
870.11 $1,366.40 $33,397.95
834.95 $1,401.56 $31,946.39
798.66 $1,437.85 $30,448.53
761.21 $1,475.30 $28,903.23
722.58 $1,513.93 $27,309.30
682.73 $1,553.78 $25,665.52
641.64 $1,594.87 $23,970.65
599.27 $1,637.25 $22,213.40
555.34 $1,681.18 $20,402.22
510.06 $1,726.46 $18,535.77
463.39 $1,773.12 $16,612.65
415.32 $1,821.20 $14,631.45
365.79 $1,870.73 $12,590.72
314.77 $1,921.74 $10,488.98
262.22 $1,974.29 $8,324.69
208.12 $2,028.40 $6,096.30
152.41 $2,084.11 $3,802.19
95.05 $2,141.46 $1,440.73
36.02 $2,200.49 -$759.76
 El precio de contado de un vehiculo es de $65.000, más
un seguro por un valor de $2.500. Se puede financiar con PERIODO
un 35% de enganche sobre el valor de contado y el resto 0
en 36 meses con cuotas iguales a final de mes, a una tasa 1
del 18% efectivo anual. a) Elabore las líneas 17 y 18 del
cuadro de amortización. b) Si se lleva cancelado 25 2
cuotas, determine el total de intereses pagado. 3
4
VA= 43875.00 5
Precio= 67500 6
enganche 23625.00 7
t= 36 8
i= 0.015 9
r= $1,586.19 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
PAGO CUOTA INTERES AMORTIZACION SALDO
43875.00
$1,586.19 658.125 $928.06 $42,946.94
$1,586.19 644.20408 $941.98 $42,004.96
$1,586.19 630.074346 $956.11 $41,048.84
$1,586.19 615.732665 $970.45 $40,078.39
$1,586.19 601.17586 $985.01 $39,093.38
$1,586.19 586.400703 $999.79 $38,093.59
$1,586.19 571.403918 $1,014.78 $37,078.81
$1,586.19 556.182181 $1,030.00 $36,048.81
$1,586.19 540.732119 $1,045.45 $35,003.35
$1,586.19 525.050305 $1,061.14 $33,942.22
$1,586.19 509.133265 $1,077.05 $32,865.16
$1,586.19 492.977468 $1,093.21 $31,771.96
$1,586.19 476.579335 $1,109.61 $30,662.35
$1,586.19 459.93523 $1,126.25 $29,536.10
$1,586.19 443.041463 $1,143.14 $28,392.95
$1,586.19 425.894289 $1,160.29 $27,232.66
$1,586.19 408.489908 $1,177.70 $26,054.96
$1,586.19 390.824462 $1,195.36 $24,859.60
$1,586.19 372.894033 $1,213.29 $23,646.31
$1,586.19 354.694649 $1,231.49 $22,414.82
$1,586.19 336.222273 $1,249.96 $21,164.85
$1,586.19 317.472812 $1,268.71 $19,896.14
$1,586.19 298.442109 $1,287.74 $18,608.40
$1,586.19 279.125945 $1,307.06 $17,301.34
$1,586.19 259.520039 $1,326.67 $15,974.67
$1,586.19 239.620044 $1,346.57 $14,628.10
$1,586.19 219.421549 $1,366.76 $13,261.34
$1,586.19 198.920077 $1,387.27 $11,874.07
$1,586.19 178.111083 $1,408.08 $10,466.00
$1,586.19 156.989954 $1,429.20 $9,036.80
$1,586.19 135.552008 $1,450.63 $7,586.17
$1,586.19 113.792493 $1,472.39 $6,113.77
$1,586.19 91.706585 $1,494.48 $4,619.29
$1,586.19 69.2893884 $1,516.90 $3,102.40
$1,586.19 46.535934 $1,539.65 $1,562.75
$1,586.19 23.4411776 $1,562.75 $0.00
Una persona contrae una deuda de $10.000 al 24% anual
con capitalización mensual a 5 años plazo en el cual se
compromete a pagar mediante pagos constantes PERIODO
mensuales y cuotas extraordinarias cada semestre de 0
$1.000. a) Encuentre el valor de los pagos constantes. b)
Realice las 5 últimas líneas de la tabla de amortización. c) 1
Si se cambiara el sistema a amortización constante sin 2
cuotas extraordinarias cual es el valor de la amortización 3
mensual. 4
5
6
VA= 10000 7
i= 0.02 8
t= 60 9
D= 1000 10
R= $287.68 11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
PAGO CUOTA INTERES AMORTIZACION SALDO PERIODO PAGO CUOTA INTERES
10000.00 0
$287.68 200 $87.68 $9,912.32 1 $287.68 200
$287.68 198.246407 $89.43 $9,822.89 2 $287.68 198.246407
$287.68 196.457742 $91.22 $9,731.67 3 $287.68 196.457742
$287.68 194.633303 $93.05 $9,638.62 4 $287.68 194.633303
$287.68 192.772376 $94.91 $9,543.71 5 $287.68 192.772376
$287.68 190.874231 $96.81 $9,446.91 6 $1,287.68 190.874231
$287.68 188.938122 $98.74 $9,348.16 7 $287.68 168.938122
$287.68 186.963291 $100.72 $9,247.45 8 $287.68 166.563291
$287.68 184.948964 $102.73 $9,144.72 9 $287.68 164.140964
$287.68 182.89435 $104.79 $9,039.93 10 $287.68 161.67019
$287.68 180.798644 $106.88 $8,933.05 11 $287.68 159.150001
$287.68 178.661024 $109.02 $8,824.03 12 $1,287.68 156.579408
$287.68 176.480651 $111.20 $8,712.83 13 $287.68 133.957403
$287.68 174.256671 $113.42 $8,599.41 14 $287.68 130.882958
$287.68 171.988211 $115.69 $8,483.72 15 $287.68 127.747024
$287.68 169.674382 $118.01 $8,365.71 16 $287.68 124.548371
$287.68 167.314277 $120.37 $8,245.35 17 $287.68 121.285745
$287.68 164.906969 $122.77 $8,122.58 18 $1,287.68 117.957867
$287.68 162.451515 $125.23 $7,997.35 19 $287.68 94.5634311
$287.68 159.946953 $127.73 $7,869.61 20 $287.68 90.7011065
$287.68 157.392298 $130.29 $7,739.33 21 $287.68 86.7615355
$287.68 154.786551 $132.89 $7,606.43 22 $287.68 82.7431731
$287.68 152.128689 $135.55 $7,470.88 23 $287.68 78.6444433
$287.68 149.41767 $138.26 $7,332.62 24 $1,287.68 74.4637391
$287.68 146.65243 $141.03 $7,191.59 25 $287.68 50.1994207
$287.68 143.831885 $143.85 $7,047.75 26 $287.68 45.4498159
$287.68 140.95493 $146.72 $6,901.02 27 $287.68 40.6052191
$287.68 138.020435 $149.66 $6,751.36 28 $287.68 35.6637303
$287.68 135.027251 $152.65 $6,598.71 29 $287.68 30.6234117
$287.68 131.974203 $155.71 $6,443.00 30 $1,287.68 25.4822868
$287.68 128.860094 $158.82 $6,284.19 31 $287.68 0.23833936
$287.68 125.683702 $162.00 $6,122.19 32 $287.68 -5.51048701
$287.68 122.443783 $165.24 $5,956.95 33 $287.68 -11.3742899
$287.68 119.139066 $168.54 $5,788.41 34 $287.68 -17.3553689
$287.68 115.768254 $171.91 $5,616.50 35 $287.68 -23.4560694
$287.68 112.330026 $175.35 $5,441.15 36 $1,287.68 -29.678784
$287.68 108.823033 $178.86 $5,262.30 37 $287.68 -56.0259528
$287.68 105.245901 $182.43 $5,079.86 38 $287.68 -62.900065
$287.68 101.597225 $186.08 $4,893.78 39 $287.68 -69.9116595
$287.68 97.8755768 $189.80 $4,703.97 40 $287.68 -77.0634859
$287.68 94.0794951 $193.60 $4,510.37 41 $287.68 -84.3583487
$287.68 90.2074919 $197.47 $4,312.90 42 $1,287.68 -91.7991089
$287.68 86.2580485 $201.42 $4,111.48 43 $287.68 -119.388684
$287.68 82.2296163 $205.45 $3,906.03 44 $287.68 -127.530051
$287.68 78.1206155 $209.56 $3,696.47 45 $287.68 -135.834245
$287.68 73.9294347 $213.75 $3,482.72 46 $287.68 -144.304523
$287.68 69.6544302 $218.03 $3,264.70 47 $287.68 -152.944207
$287.68 65.2939256 $222.39 $3,042.31 48 $1,287.68 -161.756684
$287.68 60.846211 $226.83 $2,815.48 49 $287.68 -190.745411
$287.68 56.309542 $231.37 $2,584.11 50 $287.68 -200.313913
$287.68 51.6821397 $236.00 $2,348.11 51 $287.68 -210.073784
$287.68 46.9621893 $240.72 $2,107.39 52 $287.68 -220.028853
$287.68 42.1478399 $245.53 $1,861.86 53 $287.68 -230.183023
$287.68 37.2372036 $250.44 $1,611.42 54 $1,287.68 -240.540277
$287.68 32.2283545 $255.45 $1,355.97 55 $287.68 -271.104675
$287.68 27.1193284 $260.56 $1,095.41 56 $287.68 -282.280362
$287.68 21.9081218 $265.77 $829.63 57 $287.68 -293.679562
$287.68 16.5926911 $271.09 $558.55 58 $287.68 -305.306747
$287.68 11.1709517 $276.51 $282.04 59 $287.68 -317.166475
$287.68 5.64077761 $282.04 $0.00 60 $1,287.68 -329.263398
AMORTIZACION SALDO
10000.00
$87.68 $9,912.32
$89.43 $9,822.89
$91.22 $9,731.67
$93.05 $9,638.62
$94.91 $9,543.71
$1,096.81 $8,446.91
$118.74 $8,328.16
$121.12 $8,207.05
$123.54 $8,083.51
$126.01 $7,957.50
$128.53 $7,828.97
$1,131.10 $6,697.87
$153.72 $6,544.15
$156.80 $6,387.35
$159.93 $6,227.42
$163.13 $6,064.29
$166.39 $5,897.89
$1,169.72 $4,728.17
$193.12 $4,535.06
$196.98 $4,338.08
$200.92 $4,137.16
$204.94 $3,932.22
$209.04 $3,723.19
$1,213.22 $2,509.97
$237.48 $2,272.49
$242.23 $2,030.26
$247.07 $1,783.19
$252.02 $1,531.17
$257.06 $1,274.11
$1,262.20 $11.92
$287.44 -$275.52
$293.19 -$568.71
$299.05 -$867.77
$305.04 -$1,172.80
$311.14 -$1,483.94
$1,317.36 -$2,801.30
$343.71 -$3,145.00
$350.58 -$3,495.58
$357.59 -$3,853.17
$364.74 -$4,217.92
$372.04 -$4,589.96
$1,379.48 -$5,969.43
$407.07 -$6,376.50
$415.21 -$6,791.71
$423.51 -$7,215.23
$431.98 -$7,647.21
$440.62 -$8,087.83
$1,449.44 -$9,537.27
$478.43 -$10,015.70
$487.99 -$10,503.69
$497.75 -$11,001.44
$507.71 -$11,509.15
$517.86 -$12,027.01
$1,528.22 -$13,555.23
$558.78 -$14,114.02
$569.96 -$14,683.98
$581.36 -$15,265.34
$592.99 -$15,858.32
$604.85 -$16,463.17
$1,616.94 -$18,080.11
 Se compro un automóvil valorado en $50.000, dándose
una cuota inicial del 20% de su valor inicial y la diferencia
se cancela en tres años mediante pagos mensuales PERIODO
vencidos con una tasa de interés del 16% efectivo anual. 0
Adicionalmente se efectuará tres pagos semestrales
vencidos de $2.000 cada uno en el cuatro (4), quinto (5) y 1
sexto (6) semestre. Dada esta información, entonces: a) 2
Determine el valor de los pagos mensuales. b) Si se 3
cambia el método de amortización a la forma de 4
"amortización constante" (considerando las mismas
5
cuotas adicionales), determine el valor de la amortización
mensual. 6
7
8
CuotaInicial 10000 9
VA= 40000 10
i= 0.01 11
t= 3 12
tmeses= 36 13
r= $1,406.28 14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
PAGO CUOTA INTERES AMORTIZACION SALDO PERIODO PAGO CUOTA INTERES
40000 0
$1,406.28 533.33 $872.95 $39,127.05 1 $1,406.28 533.33
$1,406.28 521.69 $884.59 $38,242.46 2 $1,406.28 521.69
$1,406.28 509.90 $896.38 $37,346.08 3 $1,406.28 509.90
$1,406.28 497.95 $908.33 $36,437.75 4 $1,406.28 497.95
$1,406.28 485.84 $920.44 $35,517.30 5 $1,406.28 485.84
$1,406.28 473.56 $932.72 $34,584.59 6 $1,406.28 473.56
$1,406.28 461.13 $945.15 $33,639.43 7 $1,406.28 461.13
$1,406.28 448.53 $957.76 $32,681.68 8 $1,406.28 448.53
$1,406.28 435.76 $970.53 $31,711.15 9 $1,406.28 435.76
$1,406.28 422.82 $983.47 $30,727.69 10 $1,406.28 422.82
$1,406.28 409.70 $996.58 $29,731.11 11 $1,406.28 409.70
$1,406.28 396.41 $1,009.87 $28,721.24 12 $1,406.28 396.41
$1,406.28 382.95 $1,023.33 $27,697.91 13 $1,406.28 382.95
$1,406.28 369.31 $1,036.98 $26,660.93 14 $1,406.28 369.31
$1,406.28 355.48 $1,050.80 $25,610.13 15 $1,406.28 355.48
$1,406.28 341.47 $1,064.81 $24,545.32 16 $1,406.28 341.47
$1,406.28 327.27 $1,079.01 $23,466.31 17 $1,406.28 327.27
$1,406.28 312.88 $1,093.40 $22,372.91 18 $1,406.28 312.88
$1,406.28 298.31 $1,107.98 $21,264.94 19 $1,406.28 298.31
$1,406.28 283.53 $1,122.75 $20,142.19 20 $1,406.28 283.53
$1,406.28 268.56 $1,137.72 $19,004.47 21 $1,406.28 268.56
$1,406.28 253.39 $1,152.89 $17,851.58 22 $1,406.28 253.39
$1,406.28 238.02 $1,168.26 $16,683.32 23 $1,406.28 238.02
$1,406.28 222.44 $1,183.84 $15,499.48 24 $3,406.28 222.44
$1,406.28 206.66 $1,199.62 $14,299.86 25 $1,406.28 179.99
$1,406.28 190.66 $1,215.62 $13,084.24 26 $1,406.28 163.64
$1,406.28 174.46 $1,231.82 $11,852.42 27 $1,406.28 147.07
$1,406.28 158.03 $1,248.25 $10,604.17 28 $1,406.28 130.28
$1,406.28 141.39 $1,264.89 $9,339.28 29 $1,406.28 113.27
$1,406.28 124.52 $1,281.76 $8,057.52 30 $3,406.28 96.03
$1,406.28 107.43 $1,298.85 $6,758.67 31 $1,406.28 51.89
$1,406.28 90.12 $1,316.17 $5,442.51 32 $1,406.28 33.84
$1,406.28 72.57 $1,333.71 $4,108.79 33 $1,406.28 15.54
$1,406.28 54.78 $1,351.50 $2,757.30 34 $1,406.28 - 3.01
$1,406.28 36.76 $1,369.52 $1,387.78 35 $1,406.28 - 21.80
$1,406.28 18.50 $1,387.78 $0.00 36 $1,406.28 - 40.84
AMORTIZACION SALDO
40000
$872.95 $39,127.05
$884.59 $38,242.46
$896.38 $37,346.08
$908.33 $36,437.75
$920.44 $35,517.30
$932.72 $34,584.59
$945.15 $33,639.43
$957.76 $32,681.68
$970.53 $31,711.15
$983.47 $30,727.69
$996.58 $29,731.11
$1,009.87 $28,721.24
$1,023.33 $27,697.91
$1,036.98 $26,660.93
$1,050.80 $25,610.13
$1,064.81 $24,545.32
$1,079.01 $23,466.31
$1,093.40 $22,372.91
$1,107.98 $21,264.94
$1,122.75 $20,142.19
$1,137.72 $19,004.47
$1,152.89 $17,851.58
$1,168.26 $16,683.32
$3,183.84 $13,499.48
$1,226.29 $12,273.19
$1,242.64 $11,030.56
$1,259.21 $9,771.35
$1,276.00 $8,495.35
$1,293.01 $7,202.34
$3,310.25 $3,892.09
$1,354.39 $2,537.70
$1,372.45 $1,165.26
$1,390.74 -$225.49
$1,409.29 -$1,634.77
$1,428.08 -$3,062.85
$1,447.12 -$4,509.97
 Determine la cantidad amortizada en el pago número 14,
de un crédito por $15.000 que se otorgó a cierto cliente PERIODO
de una institución financiera, a un plazo de 20 años, a 0
una tasa del 18% anual, si se acordó cancelarlo mediante 1
pagos trimestrales que crecen en $10 cada trimestre.
2
3
4
5
VA= 15000 6
i= 18% 7
ITRIMESTRAL= 0.05 8
tTRIMESTRAL= 80 9
r= $765.44 $775.44 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
PAGO CUOTA INTERES AMORTIZACION SALDO
15000
$765.44 750.00 $15.44 $14,984.56
$765.44 749.23 $16.22 $14,968.34
$765.44 748.42 $17.03 $14,951.31
$775.44 747.57 $27.88 $14,923.43
$765.44 746.17 $19.27 $14,904.16
$765.44 745.21 $20.24 $14,883.92
$765.44 744.20 $21.25 $14,862.68
$774.85 743.13 $31.71 $14,830.96
$765.44 741.55 $23.90 $14,807.06
$765.44 740.35 $25.09 $14,781.97
$765.44 739.10 $26.35 $14,755.63
$765.44 737.78 $27.66 $14,727.96
$765.44 736.40 $29.05 $14,698.92
$765.44 734.95 $30.50 $14,668.42
$765.44 733.42 $32.02 $14,636.40
$765.44 731.82 $33.62 $14,602.77
$765.44 730.14 $35.31 $14,567.47
$765.44 728.37 $37.07 $14,530.40
$765.44 726.52 $38.92 $14,491.47
$765.44 724.57 $40.87 $14,450.60
$765.44 722.53 $42.91 $14,407.69
$765.44 720.38 $45.06 $14,362.63
$765.44 718.13 $47.31 $14,315.31
$765.44 715.77 $49.68 $14,265.63
$765.44 713.28 $52.16 $14,213.47
$765.44 710.67 $54.77 $14,158.70
$765.44 707.94 $57.51 $14,101.19
$765.44 705.06 $60.38 $14,040.81
$765.44 702.04 $63.40 $13,977.40
$765.44 698.87 $66.57 $13,910.83
$765.44 695.54 $69.90 $13,840.93
$765.44 692.05 $73.40 $13,767.53
$765.44 688.38 $77.07 $13,690.46
$765.44 684.52 $80.92 $13,609.54
$765.44 680.48 $84.97 $13,524.57
$765.44 676.23 $89.22 $13,435.35
$765.44 671.77 $93.68 $13,341.68
$765.44 667.08 $98.36 $13,243.32
$765.44 662.17 $103.28 $13,140.04
$765.44 657.00 $108.44 $13,031.60
$765.44 651.58 $113.86 $12,917.73
$765.44 645.89 $119.56 $12,798.17
$765.44 639.91 $125.54 $12,672.64
$765.44 633.63 $131.81 $12,540.83
$765.44 627.04 $138.40 $12,402.42
$765.44 620.12 $145.32 $12,257.10
$765.44 612.86 $152.59 $12,104.51
$765.44 605.23 $160.22 $11,944.29
$765.44 597.21 $168.23 $11,776.06
$765.44 588.80 $176.64 $11,599.42
$765.44 579.97 $185.47 $11,413.95
$765.44 570.70 $194.75 $11,219.20
$765.44 560.96 $204.48 $11,014.72
$765.44 550.74 $214.71 $10,800.01
$765.44 540.00 $225.44 $10,574.56
$765.44 528.73 $236.72 $10,337.85
$765.44 516.89 $248.55 $10,089.30
$765.44 504.46 $260.98 $9,828.32
$765.44 491.42 $274.03 $9,554.29
$765.44 477.71 $287.73 $9,266.56
$765.44 463.33 $302.12 $8,964.44
$765.44 448.22 $317.22 $8,647.22
$765.44 432.36 $333.08 $8,314.14
$765.44 415.71 $349.74 $7,964.40
$765.44 398.22 $367.22 $7,597.17
$765.44 379.86 $385.59 $7,211.59
$765.44 360.58 $404.86 $6,806.72
$765.44 340.34 $425.11 $6,381.62
$765.44 319.08 $446.36 $5,935.25
$765.44 296.76 $468.68 $5,466.57
$765.44 273.33 $492.12 $4,974.45
$765.44 248.72 $516.72 $4,457.73
$765.44 222.89 $542.56 $3,915.17
$765.44 195.76 $569.69 $3,345.49
$765.44 167.27 $598.17 $2,747.32
$765.44 137.37 $628.08 $2,119.24
$765.44 105.96 $659.48 $1,459.76
$765.44 72.99 $692.46 $767.30
$765.44 38.37 $727.08 $40.22
$765.44 2.01 $763.43 -$723.21
Se va cancelar una deuda que hoy es de $300.000 en 6
años, mediante un sistema de amortización con cuotas
variables que se incrementan en $5 cada mes.
Considerando una tasa del 20% efectiva anual. a) Elaborar PERIODO
las líneas 1, 2, 36, 71 y 72 del cuatro de amortización. b)
Determinar el derecho del acreedor y del deudor al final 0
del quinto año. 1
2
3
4
5
VA= 300000 6
i= 2% 7
t= 72 8
9
r= $7,185.85 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
PAGO CUOTA INTERES AMORTIZACION SALDO
300000
$7,190.85 5,000.00 $2,190.85 $297,809.15
$7,190.85 4,963.49 $2,227.36 $295,581.79
$7,190.85 4,926.36 $2,264.48 $293,317.31
$7,190.85 4,888.62 $2,302.23 $291,015.08
$7,190.85 4,850.25 $2,340.60 $288,674.48
$7,190.85 4,811.24 $2,379.61 $286,294.88
$7,190.85 4,771.58 $2,419.27 $283,875.61
$7,190.85 4,731.26 $2,459.59 $281,416.02
$7,190.85 4,690.27 $2,500.58 $278,915.44
$7,190.85 4,648.59 $2,542.26 $276,373.18
$7,190.85 4,606.22 $2,584.63 $273,788.56
$7,190.85 4,563.14 $2,627.71 $271,160.85
$7,190.85 4,519.35 $2,671.50 $268,489.35
$7,190.85 4,474.82 $2,716.03 $265,773.33
$7,190.85 4,429.56 $2,761.29 $263,012.03
$7,190.85 4,383.53 $2,807.31 $260,204.72
$7,190.85 4,336.75 $2,854.10 $257,350.62
$7,190.85 4,289.18 $2,901.67 $254,448.95
$7,190.85 4,240.82 $2,950.03 $251,498.91
$7,190.85 4,191.65 $2,999.20 $248,499.71
$7,190.85 4,141.66 $3,049.19 $245,450.53
$7,190.85 4,090.84 $3,100.01 $242,350.52
$7,190.85 4,039.18 $3,151.67 $239,198.85
$7,190.85 3,986.65 $3,204.20 $235,994.65
$7,190.85 3,933.24 $3,257.60 $232,737.05
$7,190.85 3,878.95 $3,311.90 $229,425.15
$7,190.85 3,823.75 $3,367.10 $226,058.05
$7,190.85 3,767.63 $3,423.21 $222,634.84
$7,190.85 3,710.58 $3,480.27 $219,154.57
$7,190.85 3,652.58 $3,538.27 $215,616.30
$7,190.85 3,593.61 $3,597.24 $212,019.06
$7,190.85 3,533.65 $3,657.20 $208,361.86
$7,190.85 3,472.70 $3,718.15 $204,643.71
$7,190.85 3,410.73 $3,780.12 $200,863.59
$7,190.85 3,347.73 $3,843.12 $197,020.47
$7,190.85 3,283.67 $3,907.17 $193,113.30
$7,190.85 3,218.55 $3,972.29 $189,141.01
$7,190.85 3,152.35 $4,038.50 $185,102.51
$7,190.85 3,085.04 $4,105.81 $180,996.70
$7,190.85 3,016.61 $4,174.24 $176,822.47
$7,190.85 2,947.04 $4,243.81 $172,578.66
$7,190.85 2,876.31 $4,314.54 $168,264.12
$7,190.85 2,804.40 $4,386.45 $163,877.68
$7,190.85 2,731.29 $4,459.55 $159,418.12
$7,190.85 2,656.97 $4,533.88 $154,884.24
$7,190.85 2,581.40 $4,609.44 $150,274.80
$7,190.85 2,504.58 $4,686.27 $145,588.53
$7,190.85 2,426.48 $4,764.37 $140,824.16
$7,190.85 2,347.07 $4,843.78 $135,980.38
$7,190.85 2,266.34 $4,924.51 $131,055.87
$7,190.85 2,184.26 $5,006.58 $126,049.29
$7,190.85 2,100.82 $5,090.03 $120,959.26
$7,190.85 2,015.99 $5,174.86 $115,784.40
$7,190.85 1,929.74 $5,261.11 $110,523.30
$7,190.85 1,842.05 $5,348.79 $105,174.50
$7,190.85 1,752.91 $5,437.94 $99,736.56
$7,190.85 1,662.28 $5,528.57 $94,207.99
$7,190.85 1,570.13 $5,620.71 $88,587.28
$7,190.85 1,476.45 $5,714.39 $82,872.88
$7,190.85 1,381.21 $5,809.63 $77,063.25
$7,190.85 1,284.39 $5,906.46 $71,156.79
$7,190.85 1,185.95 $6,004.90 $65,151.89
$7,190.85 1,085.86 $6,104.98 $59,046.91
$7,190.85 984.12 $6,206.73 $52,840.17
$7,190.85 880.67 $6,310.18 $46,530.00
$7,190.85 775.50 $6,415.35 $40,114.65
$7,190.85 668.58 $6,522.27 $33,592.38
$7,190.85 559.87 $6,630.97 $26,961.40
$7,190.85 449.36 $6,741.49 $20,219.91
$7,190.85 337.00 $6,853.85 $13,366.06
$7,190.85 222.77 $6,968.08 $6,397.98
$7,190.85 106.63 $7,084.21 -$686.23
Usted adquiere una deuda $20.000 para comprar un
vehiculo, la deuda se cancelará mediante cuotas iguales
mensuales durante 9 semestres a partir del séptimo mes PERIODO
ya que durante los primeros seis meses solo paga
0
intereses. Elabore la tabla de amortización de los seis
primeros pagos, luego de los pagos 30, 31, 32, 52 ,53 y 1
54. Considere una tasa de interés del 18% anual 2
compuesto mensualmente. 3
4
5
VA= 20000 6
i= 2% 7
t= 60 8
9
r= $494.16 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
PAGO CUOTA INTERES AMORTIZACION SALDO
20000
$0.00 300.00 300.00 19,700.00
$0.00 300.00 300.00 $19,400.00
$0.00 300.00 300.00 $19,100.00
$0.00 300.00 300.00 $18,800.00
$0.00 300.00 300.00 $18,500.00
$0.00 300.00 300.00 $18,200.00
$494.16 $273.00 $221.16 $17,978.84
$494.16 $269.68 $224.47 $17,754.37
$494.16 $266.32 $227.84 $17,526.53
$494.16 $262.90 $231.26 $17,295.28
$494.16 $259.43 $234.73 $17,060.55
$494.16 $255.91 $238.25 $16,822.30
$494.16 $252.33 $241.82 $16,580.48
$494.16 $248.71 $245.45 $16,335.03
$494.16 $245.03 $249.13 $16,085.90
$494.16 $241.29 $252.87 $15,833.04
$494.16 $237.50 $256.66 $15,576.38
$494.16 $233.65 $260.51 $15,315.87
$494.16 $229.74 $264.42 $15,051.45
$494.16 $225.77 $268.38 $14,783.07
$494.16 $221.75 $272.41 $14,510.66
$494.16 $217.66 $276.50 $14,234.16
$494.16 $213.51 $280.64 $13,953.52
$494.16 $209.30 $284.85 $13,668.67
$494.16 $205.03 $289.13 $13,379.54
$494.16 $200.69 $293.46 $13,086.08
$494.16 $196.29 $297.86 $12,788.22
$494.16 $191.82 $302.33 $12,485.89
$494.16 $187.29 $306.87 $12,179.02
$494.16 $182.69 $311.47 $11,867.55
$494.16 $178.01 $316.14 $11,551.41
$494.16 $173.27 $320.88 $11,230.52
$494.16 $168.46 $325.70 $10,904.83
$494.16 $163.57 $330.58 $10,574.24
$494.16 $158.61 $335.54 $10,238.70
$494.16 $153.58 $340.57 $9,898.13
$494.16 $148.47 $345.68 $9,552.44
$494.16 $143.29 $350.87 $9,201.58
$494.16 $138.02 $356.13 $8,845.44
$494.16 $132.68 $361.47 $8,483.97
$494.16 $127.26 $366.90 $8,117.08
$494.16 $121.76 $372.40 $7,744.68
$494.16 $116.17 $377.98 $7,366.69
$494.16 $110.50 $383.65 $6,983.04
$494.16 $104.75 $389.41 $6,593.63
$494.16 $98.90 $395.25 $6,198.38
$494.16 $92.98 $401.18 $5,797.20
$494.16 $86.96 $407.20 $5,390.00
$494.16 $80.85 $413.31 $4,976.69
$494.16 $74.65 $419.50 $4,557.19
$494.16 $68.36 $425.80 $4,131.39
$494.16 $61.97 $432.18 $3,699.21
$494.16 $55.49 $438.67 $3,260.54
$494.16 $48.91 $445.25 $2,815.29
$494.16 $42.23 $451.93 $2,363.37
$494.16 $35.45 $458.70 $1,904.66
$494.16 $28.57 $465.59 $1,439.08
$494.16 $21.59 $472.57 $966.51
$494.16 $14.50 $479.66 $486.85
$494.16 $7.30 $486.85 -$0.00
Determine la cantidad amortizada en el pago número 14,
de un crédito por $15.000 que se otorgo a cierto cliente
de una institución financiera, a un plazo de 20 años, a una
tasa del 18% anual, si se acordó cancelarlo mediante
pagos trimestrales que crecen en forma acumulativa
anual en 3%.

VA= 15000
i= 2%
t= 60

r= $494.16
La Dra. Ellashi Mata, realiza un préstamo a una institución financiera
por un monto de $20.000, el cual se va a cancelar en 5 años mediante
amortización semestral constante los 3 primeros años y de triple
cuantía los restantes años. Transcurridos 2 años, se decide liquidar el
préstamo, para esto vende un terreno de su propiedad y realiza otro
préstamo en otra entidad. El nuevo préstamo lo cancela mediante
pagos semestrales anticipados de $150, que disminuyen en un 1%
acumulativo semestral a una tasa del 10% efectivo semestral, durante
los cuatro años. Si la primera institución financiera cobra una
comisión del 5% por la cancelación anticipada del primer préstamo.
¿En cuanto deberá vender el terreno para cancelar totalmente la
primera operación, si se desea obtener un saldo favorable de $3.000?

VA= 20000
i= 2%
t= 60

r= $494.16
Implementación del cableado estructurado para la red
interna del auditorio, más todo el software necesario para
la administración de la red, por un valor de $3.000
facturados el 1 de enero de 1999. Por existir un convenio
con la empresa FuturisimaNet, este valor deberá ser
cancelado a un año por medio de amortizaciones
bimestrales constantes el primer semestre y mediante
pagos constantes el segundo semestre, toda la operación
se realiza a un interés del 16% anual capitalizable
trimestralmente. Elabore la tabla de amortización para
esta operación.

VA= 20000
i= 2%
t= 60

r= $494.16
El Sr. García tiene una deuda que cancelar de $1´500.000
al cabo de 3 años para ello abre una cuenta de ahorros en
el que se compromete a ingresar cada año $1.200 con un
incremento acumulativo anual en progresión geométrica
del 5%. En el caso que quede algo pendiente del $1
´500.000 después de restarle el monto constituido de
nuestra cuenta de ahorros cancelamos el saldo pendiente
durante los dos siguientes años mediante: a) Pagos
constantes b) Amortización constante. Si la tasa de
valoración de la cuenta de ahorros es del 8%. elaborar la
tabla de amortización para ambos casos.

VA= 20000
i= 2%
t= 60

r= $494.16
El Sr. García presta en una institución $2´400.000 durante 10 años,
con amortización constante los 5 primeros años y de doble cuantía los
5 años siguientes, sabiendo que la tasa de valoración es del 7%
durante los tres primeros años y del 11% durante los restantes. En el
5to año el prestamista y el prestatario se ponen de acuerdo para
renegociar el préstamo de tal forma que la operación en lugar de ser
de 10 años, sea 8 años, y en la nueva negociación se realizan pagos
que decrecen en $800 anuales en progresión aritmética; sabiendo
que las nuevas tasas de valoración aumentaron en un punto con
respecto al anterior préstamo sin olvidar que los pagos del nuevo
préstamo lo realizan semestralmente mientras que los anteriores
pagos eran anuales. Elaborar la tabla de amortización del nuevo
préstamo.

VA= 20000
i= 2%
t= 60

r= $494.16