Amortización gradual Pagos son iguales y estos se calculan usando l

Capital equivale al préstamo $20,000.00

Renta $2,111.64
tasa de interés 12.00% periodo de capitalización (p) 12
Número de pagos 10 i/p 0.01

Número de Pagos Abono Interés

Amortización + Interés Saldo insoluto x i
0
1 $2,111.64 $200.00
2 $2,111.64 $180.88
3 $2,111.64 $161.58
4 $2,111.64 $142.08
5 $2,111.64 $122.38
6 $2,111.64 $102.49
7 $2,111.64 $82.40
8 $2,111.64 $62.10
9 $2,111.64 $41.61
10 $2,111.64 $20.91
11 $21,116.42 $1,116.42
12
13
Lo que se paga totalmente Pagas de interés
Este sería M Esta es I

Amortización constante Pagos son diferentes pero siempre se resta lo

Capital equivale al préstamo $20,000.00

Pago a capital $2,000.00
tasa de interés 12.00% periodo de capitalización (p) 12
Número de pagos 10 i/p 0.01

# Pagos Abono Interés

 Amortización + Interés Saldo insoluto x i
0
1 $2,200.00 $200.00
2 $2,180.00 $180.00
3 $2,160.00 $160.00
4 $2,140.00 $140.00
5 $2,120.00 $120.00
6 $2,100.00 $100.00
7 $2,080.00 $80.00
8 $2,060.00 $60.00
9 $2,040.00 $40.00
10 $2,020.00 $20.00
11 $21,100.00 $1,100.00

Lo que se paga totalmente Pagas de interés

Este sería M Esta es I
les y estos se calculan usando la fórmula de anualidad vencida
Se modifica No modificar

Interés Amortización Saldo insoluto Al saldo insoluto se le resta la amortización

Saldo insoluto x i Abono - Interés Debo pagar NO el abono, porque el abono incluye intereses
$20,000.00
$200.00 $1,911.64 $18,088.36
$180.88 $1,930.76 $16,157.60
$161.58 $1,950.07 $14,207.53
$142.08 $1,969.57 $12,237.97
$122.38 $1,989.26 $10,248.71
$102.49 $2,009.15 $8,239.55
$82.40 $2,029.25 $6,210.31
$62.10 $2,049.54 $4,160.77
$41.61 $2,070.03 $2,090.73
$20.91 $2,090.73 $0.00
$1,116.42 $20,000.00

agas de interés Lo que te prestó el banco

Este es capital

rentes pero siempre se resta lo mismo al saldo insoluto

Interés Amortización Saldo insoluto Al saldo insoluto se le resta la amortización

 Saldo insoluto x i Préstamo/ # Pagos Debo pagar NO el abono, porque el abono incluye intereses
$20,000.00
$200.00 $2,000.00 $18,000.00
$180.00 $2,000.00 $16,000.00
$160.00 $2,000.00 $14,000.00
$140.00 $2,000.00 $12,000.00
$120.00 $2,000.00 $10,000.00
$100.00 $2,000.00 $8,000.00
$80.00 $2,000.00 $6,000.00
$60.00 $2,000.00 $4,000.00
$40.00 $2,000.00 $2,000.00
$20.00 $2,000.00 $0.00
$1,100.00 $20,000.00

agas de interés Lo que te prestó el banco

Este es capital
e le resta la amortización
ue el abono incluye intereses

mortización
ncluye intereses
 Amortización gradual Pagos son iguales y estos se calculan

Capital equivale al préstamo $18,000.00

Renta $997.48
tasa de interés 12.00% periodo de capitalización (p)
Número de pagos 20 i/p

Número de Pagos Abono

Amortización + Interés
0
1 $997.48
2 $997.48
3 $997.48
4 $997.48
5 $997.48
6 $997.48
7 $997.48
8 $997.48
9 $997.48
10 $997.48
11 $997.48
12 $997.48
13 $997.48
14 $997.48
15 $997.48
16 $997.48
17 $997.48
18 $997.48
19 $997.48
20 $997.48
$19,949.51
Lo que se paga totalmente
Este sería M
on iguales y estos se calculan usando la fórmula de anualidad vencida
Se modifica No modificar

12
0.01

Interés Amortización Saldo insoluto

Saldo insoluto x i Abono - Interés Debo pagar
$18,000.00
$180.00 $817.48 $17,182.52
$171.83 $825.65 $16,356.87
$163.57 $833.91 $15,522.97
$155.23 $842.25 $14,680.72
$146.81 $850.67 $13,830.05
$138.30 $859.18 $12,970.88
$129.71 $867.77 $12,103.11
$121.03 $876.44 $11,226.67
$112.27 $885.21 $10,341.46
$103.41 $894.06 $9,447.40
$94.47 $903.00 $8,544.39
$85.44 $912.03 $7,632.36
$76.32 $921.15 $6,711.21
$67.11 $930.36 $5,780.85
$57.81 $939.67 $4,841.18
$48.41 $949.06 $3,892.12
$38.92 $958.55 $2,933.56
$29.34 $968.14 $1,965.42
$19.65 $977.82 $987.60
$9.88 $987.60 $0.00
$1,949.51 $18,000.00
Pagas de interés Lo que te prestó el banco
Esta es I Este es capital
o modificar
 Amortización constante Pagos son diferentes pero siempre se resta lo mismo al

Capital equivale al préstamo $18,000.00

Pago a capital $900.00
tasa de interés 12.00% periodo de capitalización (p) 12
Número de pagos 20 i/p 0.01

# Pagos Abono Interés

Amortización + Interés Saldo insoluto x i
0
1 $1,080.00 $180.00
2 $1,071.00 $171.00
3 $1,062.00 $162.00
4 $1,053.00 $153.00
5 $1,044.00 $144.00
6 $1,035.00 $135.00
7 $1,026.00 $126.00
8 $1,017.00 $117.00
9 $1,008.00 $108.00
10 $999.00 $99.00
11 $990.00 $90.00
12 $981.00 $81.00
13 $972.00 $72.00
14 $963.00 $63.00
15 $954.00 $54.00
16 $945.00 $45.00
17 $936.00 $36.00
18 $927.00 $27.00
19 $918.00 $18.00
20 $909.00 $9.00
$19,890.00 $1,890.00
Lo que se paga totalmente Pagas de interés
Este sería M Esta es I
mpre se resta lo mismo al saldo insoluto

Amortización Saldo insoluto

Préstamo/ # Pagos Debo pagar
$18,000.00
$900.00 $17,100.00
$900.00 $16,200.00
$900.00 $15,300.00
$900.00 $14,400.00
$900.00 $13,500.00
$900.00 $12,600.00
$900.00 $11,700.00
$900.00 $10,800.00
$900.00 $9,900.00
$900.00 $9,000.00
$900.00 $8,100.00
$900.00 $7,200.00
$900.00 $6,300.00
$900.00 $5,400.00
$900.00 $4,500.00
$900.00 $3,600.00
$900.00 $2,700.00
$900.00 $1,800.00
$900.00 $900.00
$900.00 $0.00
$18,000.00
Lo que te prestó el banco
Este es capital
 Evidencia 4

Calcular el siguiente ejercicio usando su plantilla. Préstamo $1,299,450, interés 34% p=12 np=56. Poner captura de pantalla p
amortización. Serían dos capturas de pantalla. Como la imagen es muy grande poner los 10 pagos finales.

Amortización gradual Pagos son iguales y estos se calculan usando la fórmula de

Capital equivale al préstamo $1,299,450.00

Renta $46,555.87
tasa de interés 34.00% periodo de capitalización (p) 12
Número de pagos 56 i/p 0.028333333333333

Número de Pagos Abono Interés

Amortización + Interés Saldo insoluto x i
0
1 $46,555.87 $36,817.75
2 $46,555.87 $36,541.84
3 $46,555.87 $36,258.11
4 $46,555.87 $35,966.34
5 $46,555.87 $35,666.30
6 $46,555.87 $35,357.76
7 $46,555.87 $35,040.48
8 $46,555.87 $34,714.21
9 $46,555.87 $34,378.70
10 $46,555.87 $34,033.68
11 $46,555.87 $33,678.88
12 $46,555.87 $33,314.03
13 $46,555.87 $32,938.85
14 $46,555.87 $32,553.03
15 $46,555.87 $32,156.28
16 $46,555.87 $31,748.30
17 $46,555.87 $31,328.75
18 $46,555.87 $30,897.31
19 $46,555.87 $30,453.65
20 $46,555.87 $29,997.42
21 $46,555.87 $29,528.27
22 $46,555.87 $29,045.82
23 $46,555.87 $28,549.70
24 $46,555.87 $28,039.53
25 $46,555.87 $27,514.90
26 $46,555.87 $26,975.40
27 $46,555.87 $26,420.62
28 $46,555.87 $25,850.12
29 $46,555.87 $25,263.46
 30 $46,555.87 $24,660.18
31 $46,555.87 $24,039.80
32 $46,555.87 $23,401.84
33 $46,555.87 $22,745.81
34 $46,555.87 $22,071.19
35 $46,555.87 $21,377.46
36 $46,555.87 $20,664.07
37 $46,555.87 $19,930.47
38 $46,555.87 $19,176.08
39 $46,555.87 $18,400.32
40 $46,555.87 $17,602.58
41 $46,555.87 $16,782.24
42 $46,555.87 $15,938.65
43 $46,555.87 $15,071.16
44 $46,555.87 $14,179.10
45 $46,555.87 $13,261.76
46 $46,555.87 $12,318.42
47 $46,555.87 $11,348.36
48 $46,555.87 $10,350.81
49 $46,555.87 $9,325.00
50 $46,555.87 $8,270.13
51 $46,555.87 $7,185.37
52 $46,555.87 $6,069.87
53 $46,555.87 $4,922.77
54 $46,555.87 $3,743.16
55 $46,555.87 $2,530.13
56 $46,555.87 $1,282.74
$2,607,128.97 $1,307,678.97

Amortización constante Pagos son diferentes pero siempre se resta lo mismo al sald

Capital equivale al préstamo $1,299,450.00

Pago a capital $23,204.46
tasa de interés 34.00% periodo de capitalización (p) 12
Número de pagos 56 i/p 0.028333333333333

# Pagos Abono Interés

Amortización + Interés Saldo insoluto x i
0
1 $60,022.21 $36,817.75
2 $59,364.75 $36,160.29
3 $58,707.29 $35,502.83
4 $58,049.83 $34,845.37
5 $57,392.38 $34,187.91
 6 $56,734.92 $33,530.45
7 $56,077.46 $32,872.99
8 $55,420.00 $32,215.53
9 $54,762.54 $31,558.07
10 $54,105.08 $30,900.61
11 $53,447.62 $30,243.15
12 $52,790.16 $29,585.69
13 $52,132.70 $28,928.23
14 $51,475.24 $28,270.77
15 $50,817.78 $27,613.31
16 $50,160.32 $26,955.85
17 $49,502.86 $26,298.39
18 $48,845.40 $25,640.93
19 $48,187.94 $24,983.47
20 $47,530.48 $24,326.01
21 $46,873.02 $23,668.55
22 $46,215.56 $23,011.09
23 $45,558.10 $22,353.63
24 $44,900.64 $21,696.17
25 $44,243.18 $21,038.71
26 $43,585.72 $20,381.25
27 $42,928.26 $19,723.79
28 $42,270.80 $19,066.33
29 $41,613.34 $18,408.88
30 $40,955.88 $17,751.42
31 $40,298.42 $17,093.96
32 $39,640.96 $16,436.50
33 $38,983.50 $15,779.04
34 $38,326.04 $15,121.58
35 $37,668.58 $14,464.12
36 $37,011.12 $13,806.66
37 $36,353.66 $13,149.20
38 $35,696.20 $12,491.74
39 $35,038.74 $11,834.28
40 $34,381.28 $11,176.82
41 $33,723.82 $10,519.36
42 $33,066.36 $9,861.90
43 $32,408.90 $9,204.44
44 $31,751.44 $8,546.98
45 $31,093.98 $7,889.52
46 $30,436.52 $7,232.06
47 $29,779.06 $6,574.60
48 $29,121.60 $5,917.14
49 $28,464.14 $5,259.68
50 $27,806.68 $4,602.22
51 $27,149.22 $3,944.76
52 $26,491.76 $3,287.30
53 $25,834.30 $2,629.84
54 $25,176.84 $1,972.38
55 $24,519.38 $1,314.92
56 $23,861.92 $657.46
$2,348,755.88 $1,049,305.88
oner captura de pantalla por tabla de
nales.

lan usando la fórmula de anualidad vencida

Se modifica

Interés Amortización Saldo insoluto

aldo insoluto x i Abono - Interés Debo pagar
$1,299,450.00
$36,817.75 $9,738.12 $1,289,711.88
$36,541.84 $10,014.04 $1,279,697.84
$36,258.11 $10,297.77 $1,269,400.07
$35,966.34 $10,589.54 $1,258,810.53
$35,666.30 $10,889.58 $1,247,920.95
$35,357.76 $11,198.11 $1,236,722.84
$35,040.48 $11,515.39 $1,225,207.44
$34,714.21 $11,841.66 $1,213,365.78
$34,378.70 $12,177.18 $1,201,188.60
$34,033.68 $12,522.20 $1,188,666.41
$33,678.88 $12,876.99 $1,175,789.41
$33,314.03 $13,241.84 $1,162,547.57
$32,938.85 $13,617.03 $1,148,930.54
$32,553.03 $14,002.84 $1,134,927.70
$32,156.28 $14,399.59 $1,120,528.11
$31,748.30 $14,807.58 $1,105,720.53
$31,328.75 $15,227.13 $1,090,493.41
$30,897.31 $15,658.56 $1,074,834.85
$30,453.65 $16,102.22 $1,058,732.63
$29,997.42 $16,558.45 $1,042,174.18
$29,528.27 $17,027.61 $1,025,146.57
$29,045.82 $17,510.06 $1,007,636.52
$28,549.70 $18,006.17 $989,630.34
$28,039.53 $18,516.35 $971,113.99
$27,514.90 $19,040.98 $952,073.02
$26,975.40 $19,580.47 $932,492.54
$26,420.62 $20,135.25 $912,357.29
$25,850.12 $20,705.75 $891,651.54
$25,263.46 $21,292.41 $870,359.13
 $24,660.18 $21,895.70 $848,463.43
$24,039.80 $22,516.08 $825,947.35
$23,401.84 $23,154.03 $802,793.32
$22,745.81 $23,810.06 $778,983.25
$22,071.19 $24,484.68 $754,498.57
$21,377.46 $25,178.42 $729,320.15
$20,664.07 $25,891.80 $703,428.35
$19,930.47 $26,625.40 $676,802.95
$19,176.08 $27,379.79 $649,423.16
$18,400.32 $28,155.55 $621,267.60
$17,602.58 $28,953.29 $592,314.31
$16,782.24 $29,773.64 $562,540.67
$15,938.65 $30,617.22 $531,923.45
$15,071.16 $31,484.71 $500,438.74
$14,179.10 $32,376.78 $468,061.97
$13,261.76 $33,294.12 $434,767.85
$12,318.42 $34,237.45 $400,530.39
$11,348.36 $35,207.51 $365,322.88
$10,350.81 $36,205.06 $329,117.82
$9,325.00 $37,230.87 $291,886.95
$8,270.13 $38,285.74 $253,601.21
$7,185.37 $39,370.51 $214,230.70
$6,069.87 $40,486.00 $173,744.70
$4,922.77 $41,633.11 $132,111.59
$3,743.16 $42,812.71 $89,298.88
$2,530.13 $44,025.74 $45,273.14
$1,282.74 $45,273.14 $0.00
$1,307,678.97 $1,299,450.00

e se resta lo mismo al saldo insoluto

Interés Amortización Saldo insoluto

aldo insoluto x i Préstamo/ # Pagos Debo pagar
$1,299,450.00
$36,817.75 $23,204.46 $1,276,245.54
$36,160.29 $23,204.46 $1,253,041.07
$35,502.83 $23,204.46 $1,229,836.61
$34,845.37 $23,204.46 $1,206,632.14
$34,187.91 $23,204.46 $1,183,427.68
$33,530.45 $23,204.46 $1,160,223.21
$32,872.99 $23,204.46 $1,137,018.75
$32,215.53 $23,204.46 $1,113,814.29
$31,558.07 $23,204.46 $1,090,609.82
$30,900.61 $23,204.46 $1,067,405.36
$30,243.15 $23,204.46 $1,044,200.89
$29,585.69 $23,204.46 $1,020,996.43
$28,928.23 $23,204.46 $997,791.96
$28,270.77 $23,204.46 $974,587.50
$27,613.31 $23,204.46 $951,383.04
$26,955.85 $23,204.46 $928,178.57
$26,298.39 $23,204.46 $904,974.11
$25,640.93 $23,204.46 $881,769.64
$24,983.47 $23,204.46 $858,565.18
$24,326.01 $23,204.46 $835,360.71
$23,668.55 $23,204.46 $812,156.25
$23,011.09 $23,204.46 $788,951.79
$22,353.63 $23,204.46 $765,747.32
$21,696.17 $23,204.46 $742,542.86
$21,038.71 $23,204.46 $719,338.39
$20,381.25 $23,204.46 $696,133.93
$19,723.79 $23,204.46 $672,929.46
$19,066.33 $23,204.46 $649,725.00
$18,408.88 $23,204.46 $626,520.54
$17,751.42 $23,204.46 $603,316.07
$17,093.96 $23,204.46 $580,111.61
$16,436.50 $23,204.46 $556,907.14
$15,779.04 $23,204.46 $533,702.68
$15,121.58 $23,204.46 $510,498.21
$14,464.12 $23,204.46 $487,293.75
$13,806.66 $23,204.46 $464,089.29
$13,149.20 $23,204.46 $440,884.82
$12,491.74 $23,204.46 $417,680.36
$11,834.28 $23,204.46 $394,475.89
$11,176.82 $23,204.46 $371,271.43
$10,519.36 $23,204.46 $348,066.96
$9,861.90 $23,204.46 $324,862.50
$9,204.44 $23,204.46 $301,658.04
$8,546.98 $23,204.46 $278,453.57
$7,889.52 $23,204.46 $255,249.11
$7,232.06 $23,204.46 $232,044.64
$6,574.60 $23,204.46 $208,840.18
$5,917.14 $23,204.46 $185,635.71
$5,259.68 $23,204.46 $162,431.25
$4,602.22 $23,204.46 $139,226.79
 $3,944.76 $23,204.46 $116,022.32
$3,287.30 $23,204.46 $92,817.86
$2,629.84 $23,204.46 $69,613.39
$1,972.38 $23,204.46 $46,408.93
$1,314.92 $23,204.46 $23,204.46
$657.46 $23,204.46 $0.00
$1,049,305.88 $1,299,450.00
 2.- Calcular el siguiente ejercicio usando su plantilla. Préstamo $1,450,150, interés 44% p=52 np=6. Poner captura de pant
amortización. Serían dos capturas de pantalla.
Amortización gradual Pagos son iguales y estos se calculan usan

Capital equivale al préstamo $1,450,150.00

Renta $248,899.72
tasa de interés 44.00% periodo de capitalización (p)
Número de pagos 6 i/p

Número de Pagos Abono

Amortización + Interés
0
1 $248,899.72
2 $248,899.72
3 $248,899.72
4 $248,899.72
5 $248,899.72
6 $248,899.72
$1,493,398.29
Lo que se paga totalmente
Este sería M

Amortización constante Pagos son diferentes pero siempre se rest

Capital equivale al préstamo $1,450,150.00

Pago a capital $241,691.67
tasa de interés 44.00% periodo de capitalización (p)
Número de pagos 6 i/p

# Pagos Abono
Amortización + Interés
0
1 $253,962.17
2 $251,917.08
3 $249,872.00
4 $247,826.92
5 $245,781.83
6 $243,736.75
7 $1,493,096.75
8
Lo que se paga totalmente
Este sería M
% p=52 np=6. Poner captura de pantalla por tabla de

son iguales y estos se calculan usando la fórmula de anualidad vencida

Se modifica No modificar

52
0.00846153846

Interés Amortización Saldo insoluto Al saldo insoluto se le resta la am

Saldo insoluto x i Abono - Interés Debo pagar NO el abono, porque el abono in
$1,450,150.00
$12,270.50 $236,629.22 $1,213,520.78
$10,268.25 $238,631.46 $974,889.32
$8,249.06 $240,650.65 $734,238.67
$6,212.79 $242,686.93 $491,551.74
$4,159.28 $244,740.43 $246,811.31
$2,088.40 $246,811.31 $0.00
$43,248.29 $1,450,150.00
Pagas de interés Lo que te prestó el banco
Esta es I Este es capital

son diferentes pero siempre se resta lo mismo al saldo insoluto

52
0.008462

Interés Amortización Saldo insoluto

Saldo insoluto x i Préstamo/ # Pagos Debo pagar
$1,450,150.00
$12,270.50 $241,691.67 $1,208,458.33
$10,225.42 $241,691.67 $966,766.67
$8,180.33 $241,691.67 $725,075.00
$6,135.25 $241,691.67 $483,383.33
$4,090.17 $241,691.67 $241,691.67
$2,045.08 $241,691.67 $0.00
$42,946.75 $1,450,150.00

Pagas de interés Lo que te prestó el banco

Esta es I Este es capital
o modificar

l saldo insoluto se le resta la amortización

O el abono, porque el abono incluye intereses