Ejemplo: Un padre de familia desea comprar su primera vivienda en un conjunto residencial, el precio de contado de la

del Pacífico es la institución que ofrece la tasa de interés más baja, el 4.88% anual. Al acudir al banco el Asesor Financier
Determine cuál de los tres métodos ofrece cancelar el menor interés, tomando en cuenta que desea pagar el bien en pa

INSTITUCIÓN FINANCIERA Banco del Pacífico

VALOR INICIAL $100,000
TASA DE INETRÉS 4.88%
CUOTAS POR PERÍODO 60
INTERÉS POR PERÍODO 0.41%
PAGO $1,881.63

No. DE PERÍODO CUOTA INTERÉS AMORTIZACIÓN SALDO

0 $100,000
1 $1,881.63 $406.67 $1,474.96 $98,525.04
2 $1,881.63 $400.67 $1,480.96 $97,044.07
3 $1,881.63 $394.65 $1,486.98 $95,557.09
4 $1,881.63 $388.60 $1,493.03 $94,064.06
5 $1,881.63 $382.53 $1,499.10 $92,564.95
6 $1,881.63 $376.43 $1,505.20 $91,059.75
7 $1,881.63 $370.31 $1,511.32 $89,548.43
8 $1,881.63 $364.16 $1,517.47 $88,030.97
9 $1,881.63 $357.99 $1,523.64 $86,507.33
10 $1,881.63 $351.80 $1,529.83 $84,977.49
11 $1,881.63 $345.58 $1,536.06 $83,441.44
12 $1,881.63 $339.33 $1,542.30 $81,899.14
13 $1,881.63 $333.06 $1,548.57 $80,350.56
14 $1,881.63 $326.76 $1,554.87 $78,795.69
15 $1,881.63 $320.44 $1,561.19 $77,234.50
16 $1,881.63 $314.09 $1,567.54 $75,666.95
17 $1,881.63 $307.71 $1,573.92 $74,093.03
18 $1,881.63 $301.31 $1,580.32 $72,512.72
19 $1,881.63 $294.89 $1,586.75 $70,925.97
20 $1,881.63 $288.43 $1,593.20 $69,332.77
21 $1,881.63 $281.95 $1,599.68 $67,733.09
22 $1,881.63 $275.45 $1,606.18 $66,126.91
23 $1,881.63 $268.92 $1,612.71 $64,514.20
24 $1,881.63 $262.36 $1,619.27 $62,894.92
25 $1,881.63 $255.77 $1,625.86 $61,269.07
26 $1,881.63 $249.16 $1,632.47 $59,636.60
27 $1,881.63 $242.52 $1,639.11 $57,997.49
28 $1,881.63 $235.86 $1,645.77 $56,351.71
29 $1,881.63 $229.16 $1,652.47 $54,699.25
30 $1,881.63 $222.44 $1,659.19 $53,040.06
31 $1,881.63 $215.70 $1,665.93 $51,374.13
32 $1,881.63 $208.92 $1,672.71 $49,701.42
33 $1,881.63 $202.12 $1,679.51 $48,021.91
34 $1,881.63 $195.29 $1,686.34 $46,335.56
35 $1,881.63 $188.43 $1,693.20 $44,642.36
36 $1,881.63 $181.55 $1,700.08 $42,942.28
37 $1,881.63 $174.63 $1,707.00 $41,235.28
38 $1,881.63 $167.69 $1,713.94 $39,521.34
39 $1,881.63 $160.72 $1,720.91 $37,800.43
40 $1,881.63 $153.72 $1,727.91 $36,072.52
41 $1,881.63 $146.69 $1,734.94 $34,337.59
42 $1,881.63 $139.64 $1,741.99 $32,595.59
43 $1,881.63 $132.56 $1,749.08 $30,846.52
44 $1,881.63 $125.44 $1,756.19 $29,090.33
45 $1,881.63 $118.30 $1,763.33 $27,327.00
46 $1,881.63 $111.13 $1,770.50 $25,556.50
47 $1,881.63 $103.93 $1,777.70 $23,778.80
48 $1,881.63 $96.70 $1,784.93 $21,993.87
49 $1,881.63 $89.44 $1,792.19 $20,201.68
50 $1,881.63 $82.15 $1,799.48 $18,402.20
51 $1,881.63 $74.84 $1,806.79 $16,595.41
52 $1,881.63 $67.49 $1,814.14 $14,781.27
53 $1,881.63 $60.11 $1,821.52 $12,959.75
54 $1,881.63 $52.70 $1,828.93 $11,130.82
55 $1,881.63 $45.27 $1,836.37 $9,294.45
56 $1,881.63 $37.80 $1,843.83 $7,450.62
57 $1,881.63 $30.30 $1,851.33 $5,599.29
58 $1,881.63 $22.77 $1,858.86 $3,740.43
59 $1,881.63 $15.21 $1,866.42 $1,874.01
60 $1,881.63 $7.62 $1,874.01 $-0.00
$12,897.83 $100,000.00
al, el precio de contado de la vivienda es de $100,000. Luego de consultar las diferentes instituciones financieras, el Banco
r al banco el Asesor Financiero le indicó que el método de amortización puede ser el Francés, el Alemán o el Americano.
que desea pagar el bien en pagos mensuales a 5 años.
 ieras, el Banco
el Americano.
 Ejemplo: Un padre de familia desea comprar su primera vivienda en un conjunto residencial, el precio de contado de la vivie
del Pacífico es la institución que ofrece la tasa de interés más baja, el 4.88% anual. Al acudir al banco el Asesor Financiero le
Determine cuál de los tres métodos ofrece cancelar el menor interés, tomando en cuenta que desea pagar el bien en pagos

INSTITUCIÓN FINANCIERA Banco del Pacífico

VALOR INICIAL $100,000
TASA DE INETRÉS 4.88%
CUOTAS POR PERÍODO 60
INTERÉS POR PERÍODO 0.41%

No. DE PERÍODO CUOTA INTERÉS AMORTIZACIÓN SALDO

0 $100,000
1 $2,073.33 $406.67 $1,666.67 $98,333.33
2 $2,066.56 $399.89 $1,666.67 $96,666.67
3 $2,059.78 $393.11 $1,666.67 $95,000.00
4 $2,053.00 $386.33 $1,666.67 $93,333.33
5 $2,046.22 $379.56 $1,666.67 $91,666.67
6 $2,039.44 $372.78 $1,666.67 $90,000.00
7 $2,032.67 $366.00 $1,666.67 $88,333.33
8 $2,025.89 $359.22 $1,666.67 $86,666.67
9 $2,019.11 $352.44 $1,666.67 $85,000.00
10 $2,012.33 $345.67 $1,666.67 $83,333.33
11 $2,005.56 $338.89 $1,666.67 $81,666.67
12 $1,998.78 $332.11 $1,666.67 $80,000.00
13 $1,992.00 $325.33 $1,666.67 $78,333.33
14 $1,985.22 $318.56 $1,666.67 $76,666.67
15 $1,978.44 $311.78 $1,666.67 $75,000.00
16 $1,971.67 $305.00 $1,666.67 $73,333.33
17 $1,964.89 $298.22 $1,666.67 $71,666.67
18 $1,958.11 $291.44 $1,666.67 $70,000.00
19 $1,951.33 $284.67 $1,666.67 $68,333.33
20 $1,944.56 $277.89 $1,666.67 $66,666.67
21 $1,937.78 $271.11 $1,666.67 $65,000.00
22 $1,931.00 $264.33 $1,666.67 $63,333.33
23 $1,924.22 $257.56 $1,666.67 $61,666.67
24 $1,917.44 $250.78 $1,666.67 $60,000.00
25 $1,910.67 $244.00 $1,666.67 $58,333.33
26 $1,903.89 $237.22 $1,666.67 $56,666.67
27 $1,897.11 $230.44 $1,666.67 $55,000.00
28 $1,890.33 $223.67 $1,666.67 $53,333.33
29 $1,883.56 $216.89 $1,666.67 $51,666.67
30 $1,876.78 $210.11 $1,666.67 $50,000.00
31 $1,870.00 $203.33 $1,666.67 $48,333.33
32 $1,863.22 $196.56 $1,666.67 $46,666.67
33 $1,856.44 $189.78 $1,666.67 $45,000.00
34 $1,849.67 $183.00 $1,666.67 $43,333.33
35 $1,842.89 $176.22 $1,666.67 $41,666.67
36 $1,836.11 $169.44 $1,666.67 $40,000.00
37 $1,829.33 $162.67 $1,666.67 $38,333.33
38 $1,822.56 $155.89 $1,666.67 $36,666.67
39 $1,815.78 $149.11 $1,666.67 $35,000.00
40 $1,809.00 $142.33 $1,666.67 $33,333.33
41 $1,802.22 $135.56 $1,666.67 $31,666.67
42 $1,795.44 $128.78 $1,666.67 $30,000.00
43 $1,788.67 $122.00 $1,666.67 $28,333.33
44 $1,781.89 $115.22 $1,666.67 $26,666.67
45 $1,775.11 $108.44 $1,666.67 $25,000.00
46 $1,768.33 $101.67 $1,666.67 $23,333.33
47 $1,761.56 $94.89 $1,666.67 $21,666.67
48 $1,754.78 $88.11 $1,666.67 $20,000.00
49 $1,748.00 $81.33 $1,666.67 $18,333.33
50 $1,741.22 $74.56 $1,666.67 $16,666.67
51 $1,734.44 $67.78 $1,666.67 $15,000.00
52 $1,727.67 $61.00 $1,666.67 $13,333.33
53 $1,720.89 $54.22 $1,666.67 $11,666.67
54 $1,714.11 $47.44 $1,666.67 $10,000.00
55 $1,707.33 $40.67 $1,666.67 $8,333.33
56 $1,700.56 $33.89 $1,666.67 $6,666.67
57 $1,693.78 $27.11 $1,666.67 $5,000.00
58 $1,687.00 $20.33 $1,666.67 $3,333.33
59 $1,680.22 $13.56 $1,666.67 $1,666.67
60 $1,673.44 $6.78 $1,666.67 $-0.00
$12,403.33 $100,000.00
al, el precio de contado de la vivienda es de $100,000. Luego de consultar las diferentes instituciones financieras, el Banco
r al banco el Asesor Financiero le indicó que el método de amortización puede ser el Francés, el Alemán o el Americano.
que desea pagar el bien en pagos mensuales a 5 años.
 ieras, el Banco
el Americano.
 Ejemplo: Un padre de familia desea comprar su primera vivienda en un conjunto residencial, el precio de contado de la vivie
del Pacífico es la institución que ofrece la tasa de interés más baja, el 4.88% anual. Al acudir al banco el Asesor Financiero le
Determine cuál de los tres métodos ofrece cancelar el menor interés, tomando en cuenta que desea pagar el bien en pagos

INSTITUCIÓN FINANCIERA Banco del Pacífico

VALOR INICIAL $100,000
TASA DE INETRÉS 4.88%
CUOTAS POR PERÍODO 60
INTERÉS POR PERÍODO 0.41%

No. DE PERÍODO CUOTA INTERÉS AMORTIZACIÓN SALDO

0 $100,000
1 $406.67 $406.67 $0.00 $100,000.00
2 $406.67 $406.67 $0.00 $100,000.00
3 $406.67 $406.67 $0.00 $100,000.00
4 $406.67 $406.67 $0.00 $100,000.00
5 $406.67 $406.67 $0.00 $100,000.00
6 $406.67 $406.67 $0.00 $100,000.00
7 $406.67 $406.67 $0.00 $100,000.00
8 $406.67 $406.67 $0.00 $100,000.00
9 $406.67 $406.67 $0.00 $100,000.00
10 $406.67 $406.67 $0.00 $100,000.00
11 $406.67 $406.67 $0.00 $100,000.00
12 $406.67 $406.67 $0.00 $100,000.00
13 $406.67 $406.67 $0.00 $100,000.00
14 $406.67 $406.67 $0.00 $100,000.00
15 $406.67 $406.67 $0.00 $100,000.00
16 $406.67 $406.67 $0.00 $100,000.00
17 $406.67 $406.67 $0.00 $100,000.00
18 $406.67 $406.67 $0.00 $100,000.00
19 $406.67 $406.67 $0.00 $100,000.00
20 $406.67 $406.67 $0.00 $100,000.00
21 $406.67 $406.67 $0.00 $100,000.00
22 $406.67 $406.67 $0.00 $100,000.00
23 $406.67 $406.67 $0.00 $100,000.00
24 $406.67 $406.67 $0.00 $100,000.00
25 $406.67 $406.67 $0.00 $100,000.00
26 $406.67 $406.67 $0.00 $100,000.00
27 $406.67 $406.67 $0.00 $100,000.00
28 $406.67 $406.67 $0.00 $100,000.00
29 $406.67 $406.67 $0.00 $100,000.00
30 $406.67 $406.67 $0.00 $100,000.00
31 $406.67 $406.67 $0.00 $100,000.00
32 $406.67 $406.67 $0.00 $100,000.00
33 $406.67 $406.67 $0.00 $100,000.00
34 $406.67 $406.67 $0.00 $100,000.00
35 $406.67 $406.67 $0.00 $100,000.00
36 $406.67 $406.67 $0.00 $100,000.00
37 $406.67 $406.67 $0.00 $100,000.00
38 $406.67 $406.67 $0.00 $100,000.00
39 $406.67 $406.67 $0.00 $100,000.00
40 $406.67 $406.67 $0.00 $100,000.00
41 $406.67 $406.67 $0.00 $100,000.00
42 $406.67 $406.67 $0.00 $100,000.00
43 $406.67 $406.67 $0.00 $100,000.00
44 $406.67 $406.67 $0.00 $100,000.00
45 $406.67 $406.67 $0.00 $100,000.00
46 $406.67 $406.67 $0.00 $100,000.00
47 $406.67 $406.67 $0.00 $100,000.00
48 $406.67 $406.67 $0.00 $100,000.00
49 $406.67 $406.67 $0.00 $100,000.00
50 $406.67 $406.67 $0.00 $100,000.00
51 $406.67 $406.67 $0.00 $100,000.00
52 $406.67 $406.67 $0.00 $100,000.00
53 $406.67 $406.67 $0.00 $100,000.00
54 $406.67 $406.67 $0.00 $100,000.00
55 $406.67 $406.67 $0.00 $100,000.00
56 $406.67 $406.67 $0.00 $100,000.00
57 $406.67 $406.67 $0.00 $100,000.00
58 $406.67 $406.67 $0.00 $100,000.00
59 $406.67 $406.67 $0.00 $100,000.00
60 $100,406.67 $406.67 $100,000.00 $0.00
$24,400.00 $100,000.00
al, el precio de contado de la vivienda es de $100,000. Luego de consultar las diferentes instituciones financieras, el Banco
r al banco el Asesor Financiero le indicó que el método de amortización puede ser el Francés, el Alemán o el Americano.
que desea pagar el bien en pagos mensuales a 5 años.
 ieras, el Banco
el Americano.