SISTEMA FRANCÉS

Datos
Seguro =
P = $15,000.00 Comis. =
n= 5 años
TEA = 18%
Pago = $4,796.67

Años Saldo Interés Amortización Cuota Seguro

0 $15,000.00
1 $12,903.33 $2,700.00 $2,096.67 $4,796.67 600
2 $10,429.26 $2,322.60 $2,474.07 $4,796.67 600
3 $7,509.86 $1,877.27 $2,919.40 $4,796.67 600
4 $4,064.97 $1,351.78 $3,444.89 $4,796.67 600
5 $0.00 $731.70 $4,064.97 $4,796.67 600
Total $8,983.34 $15,000.00 $23,983.34 $3,000.00

SISTEMA FRANCÉS

Datos
Seguro =
P = $20,000.00 Comis. =
n= 24 meses
TEA = 17% anual
TEM= 1.32% mensual
Pago = $977.39

Meses Saldo Interés Amortización Cuota Seguro

0 $20,000.00
1 $19,286.01 $263.39 $713.99 $977.39 125
2 $18,562.61 $253.99 $723.40 $977.39 125
3 $17,829.69 $244.46 $732.92 $977.39 125
4 $17,087.11 $234.81 $742.58 $977.39 125
5 $16,334.76 $225.03 $752.36 $977.39 125
6 $15,572.49 $215.12 $762.26 $977.39 125
7 $14,800.19 $205.08 $772.30 $977.39 125
8 $14,017.72 $194.91 $782.47 $977.39 125
9 $13,224.94 $184.61 $792.78 $977.39 125
10 $12,421.72 $174.17 $803.22 $977.39 125
11 $11,607.92 $163.59 $813.80 $977.39 125
12 $10,783.41 $152.87 $824.51 $977.39 125
13 $9,948.04 $142.01 $835.37 $977.39 125
14 $9,101.66 $131.01 $846.37 $977.39 125
15 $8,244.14 $119.87 $857.52 $977.39 125
16 $7,375.33 $108.57 $868.81 $977.39 125
17 $6,495.07 $97.13 $880.26 $977.39 125
18 $5,603.23 $85.54 $891.85 $977.39 125
19 $4,699.63 $73.79 $903.59 $977.39 125
20 $3,784.14 $61.89 $915.49 $977.39 125
21 $2,856.59 $49.84 $927.55 $977.39 125
22 $1,916.82 $37.62 $939.77 $977.39 125
23 $964.68 $25.24 $952.14 $977.39 125
24 $0.00 $12.70 $964.68 $977.39 125
Total $3,457.26 $20,000.00 $23,457.26 $3,000.00
 P=
3000 cada 5 años n=
150 al año TEA =
Pago =

Años Saldo Interés Amortización Cuota

Comis. Total 0 $0.00
($15,000.00) 1 $0.00 $0.00 $0.00 $0.00
150 $5,546.67 2 $0.00 $0.00 $0.00 $0.00
150 $5,546.67 3 $0.00 $0.00 $0.00 $0.00
150 $5,546.67 4 $0.00 $0.00 $0.00 $0.00
150 $5,546.67 5 $0.00 $0.00 $0.00 $0.00
150 $5,546.67 Total $0.00 $0.00 $0.00
$750.00 $27,733.34

TCEA= 24.73%

Datos
3000 cada 2 años
150 al año P=
n= meses
TEA = anual
TEM= 0.00% mensual
Pago = #NUM!

Comis. Total Meses Saldo Interés Amortización Cuota

($20,000.00) 0 $0.00
12.5 $1,114.89 1 #NUM! $0.00 #NUM! #NUM!
12.5 $1,114.89 2 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 3 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 4 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 5 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 6 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 7 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 8 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 9 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 10 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 11 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 12 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 13 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 14 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 15 #NUM! #NUM! #NUM! #NUM!
 12.5 $1,114.89 16 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 17 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 18 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 19 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 20 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 21 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 22 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 23 #NUM! #NUM! #NUM! #NUM!
12.5 $1,114.89 24 #NUM! #NUM! #NUM! #NUM!
$300.00 $26,757.26 Total #NUM! #NUM! #NUM!

TCEM= 2.47%

TCEA = 34.06%
 Seguro Comis. Total
$0.00
600 150 $750.00
600 150 $750.00
600 150 $750.00
600 150 $750.00
600 150 $750.00
$3,000.00 $750.00 $3,750.00

TCEA= Err:523

Seguro = 3000 cada 2 años

Comis. = 150 al año

Seguro Comis. Total

$0.00
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
 125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
125 12.5 #NUM!
$3,000.00 $300.00 #NUM!

TCEM= #NUM!

TCEA = #NUM!
 SISTEMA FRANCÉS

Datos
Seguro = 2600
P = $13,000.00 Comis. = 125
n= 5 años
TEA = 20%
Pago =

Años Saldo Interés Amortización Cuota Seguro Comis.

0 $13,000.00
1 $15,600.00 $2,600.00 ($2,600.00) $0.00 520 125
2 $18,720.00 $3,120.00 ($3,120.00) $0.00 520 125
3 $22,464.00 $3,744.00 ($3,744.00) $0.00 520 125
4 $26,956.80 $4,492.80 ($4,492.80) $0.00 520 125
5 $32,348.16 $5,391.36 ($5,391.36) $0.00 520 125
Total $19,348.16 ($19,348.16) $0.00 $2,600.00 $625.00

TCEA=

Datos
Seguro = 2400
P = $25,000.00 Comis. = 120
n= 24 meses
TEA = 16% anual
TEM= mensual
Pago =

Meses Saldo Interés Amortización Cuota Seguro Comis.

0 $25,000.00
1 $25,000.00 $0.00 $0.00 $0.00 100 10
2 $25,000.00 $0.00 $0.00 $0.00 100 10
3 $25,000.00 $0.00 $0.00 $0.00 100 10
4 $25,000.00 $0.00 $0.00 $0.00 100 10
5 $25,000.00 $0.00 $0.00 $0.00 100 10
6 $25,000.00 $0.00 $0.00 $0.00 100 10
7 $25,000.00 $0.00 $0.00 $0.00 100 10
8 $25,000.00 $0.00 $0.00 $0.00 100 10
9 $25,000.00 $0.00 $0.00 $0.00 100 10
10 $25,000.00 $0.00 $0.00 $0.00 100 10
11 $25,000.00 $0.00 $0.00 $0.00 100 10
12 $25,000.00 $0.00 $0.00 $0.00 100 10
13 $25,000.00 $0.00 $0.00 $0.00 100 10
14 $25,000.00 $0.00 $0.00 $0.00 100 10
15 $25,000.00 $0.00 $0.00 $0.00 100 10
16 $25,000.00 $0.00 $0.00 $0.00 100 10
17 $25,000.00 $0.00 $0.00 $0.00 100 10
18 $25,000.00 $0.00 $0.00 $0.00 100 10
19 $25,000.00 $0.00 $0.00 $0.00 100 10
20 $25,000.00 $0.00 $0.00 $0.00 100 10
21 $25,000.00 $0.00 $0.00 $0.00 100 10
22 $25,000.00 $0.00 $0.00 $0.00 100 10
23 $25,000.00 $0.00 $0.00 $0.00 100 10
24 $25,000.00 $0.00 $0.00 $0.00 100 10
Total $0.00 $0.00 $0.00 $2,400.00 $240.00

TCEM=

TCEA =
cada 5 años
al año

Total
($13,000.00)
$645.00
$645.00
$645.00
$645.00
$645.00
$3,225.00

-33.66%

cada 2 años
al año

Total
($25,000.00)
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
 $110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$110.00
$2,640.00

-13.38%

-82.16%