Funciones Financieras

Supongamos un préstamo (Principal) de 5000 soles,

se debe pagar una cuota inicial del 10%. Para ello
solicita un préstamo con una TEA de 12% y pagos
mensuales de 148 soles con 15 centimos.

Anual Mensual C
Principal S/.4,500.00 S/.4,500.00 Mes
Duración 3 36 1
Tasa 12.00% 0.9489% 2
3
4
Cuota mensual S/.148.15 5
6
7
Tasa 0.9489% 8
9
10
Duración 36 11
12
13
Principal S/.4,500.00 14
15
16
17
18
Lo que preste S/.5,000.00 19
lo que cobra 5333.376508 20
21
cuanto gana 333.38 22
23
24
Cuota= $D$11 25
Amortizacion= PAGOPRIN($D$8;I7;$D$7;-$D$6) 26
Interes= PAGOINT($D$8;I7;$D$7;-$D$6) 27
Saldo= VA($D$8;$D$7-I7;-$D$11) 28
29
30
31
32
33
34
35
36
eras

Cuadro de amortización
Cuota Amortización Interes Saldo
S/.148.15 S/.105.45 S/.42.70 S/.3,233.39
S/.148.15 S/.106.45 S/.41.70 S/.3,263.76
S/.148.15 S/.107.46 S/.40.69 S/.3,294.14
S/.148.15 S/.108.48 S/.39.67 S/.3,324.51
S/.148.15 S/.109.51 S/.38.64 S/.3,354.88
S/.148.15 S/.110.55 S/.37.60 S/.3,385.26
S/.148.15 S/.111.60 S/.36.55 S/.3,415.63
S/.148.15 S/.112.66 S/.35.49 S/.3,446.01
S/.148.15 S/.113.73 S/.34.42 S/.3,476.38
S/.148.15 S/.114.80 S/.33.34 S/.3,506.76
S/.148.15 S/.115.89 S/.32.26 S/.3,537.13
S/.148.15 S/.116.99 S/.31.16 S/.3,567.51
S/.148.15 S/.118.10 S/.30.05 S/.3,597.88
S/.148.15 S/.119.22 S/.28.92 S/.3,628.26
S/.148.15 S/.120.36 S/.27.79 S/.3,658.63
S/.148.15 S/.121.50 S/.26.65 S/.3,689.01
S/.148.15 S/.122.65 S/.25.50 S/.3,719.38
S/.148.15 S/.123.81 S/.24.33 S/.3,749.76
S/.148.15 S/.124.99 S/.23.16 S/.3,780.13
S/.148.15 S/.126.18 S/.21.97 S/.3,810.51
S/.148.15 S/.127.37 S/.20.78 S/.3,840.88
S/.148.15 S/.128.58 S/.19.57 S/.3,871.26
S/.148.15 S/.129.80 S/.18.35 S/.3,901.63
S/.148.15 S/.131.03 S/.17.12 S/.3,932.01
S/.148.15 S/.132.28 S/.15.87 S/.3,962.38
S/.148.15 S/.133.53 S/.14.62 S/.3,992.75
S/.148.15 S/.134.80 S/.13.35 S/.4,023.13
S/.148.15 S/.136.08 S/.12.07 S/.4,053.50
S/.148.15 S/.137.37 S/.10.78 S/.4,083.88
S/.148.15 S/.138.67 S/.9.48 S/.4,114.25
S/.148.15 S/.139.99 S/.8.16 S/.4,144.63
S/.148.15 S/.141.32 S/.6.83 S/.4,175.00
S/.148.15 S/.142.66 S/.5.49 S/.4,205.38
S/.148.15 S/.144.01 S/.4.14 S/.4,235.75
S/.148.15 S/.145.38 S/.2.77 S/.4,266.13
S/.148.15 S/.146.76 S/.1.39 S/.4,296.50