TAREA 1

VA= 35000
R= ?
i= 12%
n= 3.5 AÑOS
j= 12 CAP MENSUALMENTE

ELABORAR LOS CUADROS DE AMORTIZACION INCORPORAR 2 AÑO DE GRACIA PARA EL CAPITAL

1) SISTEMA FRANCES
2) SISTEMA DE AMORTIZACION CONSTANTE
3) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENTES
ARITMETICAMENTE (g= $ 15 por mes )
4) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENTES
GEOMETRICAMENTE (f= 0,5% por mes )
1) SISTEMA FRANCES
2) SISTEMA DE AMORTIZACION CONSTANTE
3) SISTEMA DE AMORTIZACION CON
CUOTAS CRECIENTES ARITMETICAMENTE
(g= $ 15 por mes )
4) SISTEMA DE AMORTIZACION CON
CUOTAS CRECIENTES GEOMETRICAMENTE
(f= 0,5% por mes )

CALLEJAS PATZI ESMERALDA

DE GRACIA PARA EL CAPITAL INCORPORAR 2 AÑO DE GRACIA PARA EL CAPITAL E
INTERES
RTIZACION CONSTANTE 1) SISTEMA FRANCES
TIZACION CON
ARITMETICAMENTE 2) SISTEMA DE AMORTIZACION CONSTANTE

RTIZACION CON 3) SISTEMA DE AMORTIZACION CON CUOTAS

GEOMETRICAMENTE CRECIENTES ARITMETICAMENTE (g= $ 15 por mes )
4) SISTEMA DE AMORTIZACION CON CUOTAS
CRECIENTES GEOMETRICAMENTE (f= 0,5% por mes )
ELABORAR LOS CUADROS DE AMORTIZACION
35000 R1 R2 R3 R4 ………………. …………….
0 1 2 3 4
12%/12 12%/12 12%/12 12%/12 ……………… ………….
anualidad, cierta, ordinaria , simple ASCO
DATOS 𝑉𝐴=𝑹["1−(1+i)^−n " /𝒊]
VA= 35000
R=
35000=𝑹["1−(1+0,12/12)^−3,5*12 " /(𝟎,𝟏𝟐/𝟏𝟐)]
i= 12% 34.1581081
n= 42 meses
j= 12 R= 1024.647 $/POR mes

1) SISTEMA FRANCES 2) SISTEMA DE AMORTIZACION

𝑎𝑚𝑜𝑟𝑡𝑖𝑧.. 𝑑𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑑𝑒𝑙 𝑝𝑒𝑟𝑖𝑑

𝑚𝑒𝑠𝑒𝑠 )
R I R-I SLD-AMOR
CUOTA INTERECES AMORTIZACION SALDO
PERIODO SEMESTRAL CTAS CAPITAL INSOLUTO
0 35000 PERIODO
1 1024.647 350.00 674.65 34325.35 0
2 1024.647 343.25 681.39 33643.96 1
3 1024.647 336.44 688.21 32955.75 2
4 1024.647 329.56 695.09 32260.66 3
5 1024.647 322.61 702.04 31558.62 4
6 1024.647 315.59 709.06 30849.56 5
7 1024.647 308.50 716.15 30133.4 6
8 1024.647 301.33 723.31 29410.1 7
9 1024.647 294.10 730.55 28679.6 8
10 1024.647 286.80 737.85 27941.7 9
11 1024.647 279.42 745.23 27196.5 10
12 1024.647 271.96 752.68 26443.8 11
13 1024.647 264.44 760.21 25683.6 12
14 1024.647 256.84 767.81 24915.8 13
15 1024.647 249.16 775.49 24140.3 14
16 1024.647 241.40 783.24 23357.0 15
17 1024.647 233.57 791.08 22566.0 16
18 1024.647 225.66 798.99 21767.0 17
19 1024.647 217.67 806.98 20960.0 18
20 1024.647 209.60 815.05 20144.9 19
21 1024.647 201.45 823.20 19321.7 20
22 1024.647 193.22 831.43 18490.3 21
23 1024.647 184.90 839.74 17650.6 22
24 1024.647 176.51 848.14 16802.4 23
25 1024.647 168.02 856.62 15945.8 24
26 1024.647 159.46 865.19 15080.6 25
 27 1024.647 150.81 873.84 14206.8 26
28 1024.647 142.07 882.58 13324.2 27
29 1024.647 133.24 891.40 12432.8 28
30 1024.647 124.33 900.32 11532.5 29
31 1024.647 115.32 909.32 10623.2 30
32 1024.647 106.23 918.42 9704.7 31
33 1024.647 97.05 927.60 8777.1 32
34 1024.647 87.77 936.88 7840.3 33
35 1024.647 78.40 946.24 6894.0 34
36 1024.647 68.94 955.71 5938.3 35
37 1024.647 59.38 965.26 4973.1 36
38 1024.647 49.73 974.92 3998.1 37
39 1024.647 39.98 984.67 3013.5 38
40 1024.647 30.13 994.51 2019.0 39
41 1024.647 20.19 1004.46 1014.5 40
42 1024.647 10.15 1014.50 0.0 41
TOTAL 43035.17 8035.17 35000.0 42
TOTAL

CALLEJAS PATZI ESMERALDA

 R41 R42
41 42
12%/2 12%/12

) SISTEMA DE AMORTIZACION CONSTANTE 3) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENT

ARITMETICAMENTE (g= $ 15 por mes )
𝑎𝑚𝑜𝑟𝑡𝑖𝑧.. 𝑑𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑑𝑒𝑙 𝑝𝑒𝑟𝑖𝑑𝑜= 35000/(42
𝑚𝑒𝑠𝑒𝑠 ) 833.333333 35000=𝑹𝟏["1−(1+0,12/12)^−42 " /(𝟎,𝟏𝟐/𝟏𝟐)]+𝟏𝟓/(𝟎,𝟎𝟏)["1−(1+0,12/12)^−42
/(𝟎,𝟏𝟐/𝟏𝟐)−(𝟒𝟐)"(1+0,12/12)^−42 " ]

I+AM I SLD-AMOR R1= 739.011351 por el primer mes

CUOTA INTERECES AMORTIZACION SALDO R I
SEMESTRAL CTAS CAPITAL INSOLUTO CUOTA INTERECES
35000 PERIODO SEMESTRAL CTAS
1183.33 350.00 833.33 34166.67 0
1175.00 341.67 833.33 33333.33 1 739.01135 350.00
1166.67 333.33 833.33 32500.00 2 754.01135 346.11
1158.33 325.00 833.33 31666.67 3 769.01135 342.03
1150.00 316.67 833.33 30833.33 4 784.01135 337.76
1141.67 308.33 833.33 30000.00 5 799.01135 333.30
1133.33 300.00 833.33 29166.7 6 814.01135 328.64
1125.00 291.67 833.33 28333.3 7 829.01135 323.79
1116.67 283.33 833.33 27500.0 8 844.01135 318.74
1108.33 275.00 833.33 26666.7 9 859.01135 313.48
1100.00 266.67 833.33 25833.3 10 874.01135 308.03
1091.67 258.33 833.33 25000.0 11 889.01135 302.37
1083.33 250.00 833.33 24166.7 12 904.01135 296.50
1075.00 241.67 833.33 23333.3 13 919.01135 290.43
1066.67 233.33 833.33 22500.0 14 934.01135 284.14
1058.33 225.00 833.33 21666.7 15 949.01135 277.64
1050.00 216.67 833.33 20833.3 16 964.01135 270.93
1041.67 208.33 833.33 20000.0 17 979.01135 264.00
1033.33 200.00 833.33 19166.7 18 994.01135 256.85
1025.00 191.67 833.33 18333.3 19 1009.01135 249.48
1016.67 183.33 833.33 17500.0 20 1024.01135 241.88
1008.33 175.00 833.33 16666.7 21 1039.01135 234.06
1000.00 166.67 833.33 15833.3 22 1054.01135 226.01
991.67 158.33 833.33 15000.0 23 1069.01135 217.73
983.33 150.00 833.33 14166.7 24 1084.01135 209.22
 975.00 141.67 833.33 13333.3 25 1099.01135 200.47
966.67 133.33 833.33 12500.0 26 1114.01135 191.48
958.33 125.00 833.33 11666.7 27 1129.01135 182.26
950.00 116.67 833.33 10833.3 28 1144.01135 172.79
941.67 108.33 833.33 10000.0 29 1159.01135 163.08
933.33 100.00 833.33 9166.7 30 1174.01135 153.12
925.00 91.67 833.33 8333.3 31 1189.01135 142.91
916.67 83.33 833.33 7500.0 32 1204.01135 132.45
908.33 75.00 833.33 6666.7 33 1219.01135 121.73
900.00 66.67 833.33 5833.3 34 1234.01135 110.76
891.67 58.33 833.33 5000.0 35 1249.01135 99.53
883.33 50.00 833.33 4166.7 36 1264.01135 88.03
875.00 41.67 833.33 3333.3 37 1279.01135 76.27
866.67 33.33 833.33 2500.0 38 1294.01135 64.25
858.33 25.00 833.33 1666.7 39 1309.01135 51.95
850.00 16.67 833.33 833.3 40 1324.01135 39.38
841.67 8.33 833.33 0.0 41 1339.01135 26.53
8108.33 2275.00 5833.3 42 1354.01135 13.41
TOTAL 43953.48 8953.48
 ZACION CON CUOTAS CRECIENTES 4) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENTES
MENTE (g= $ 15 por mes ) GEOMETRICAMENTE (f= 0,5% por mes )
35000=𝑹𝟏"(1+0,12/12)^−1
𝟐)]+𝟏𝟓/(𝟎,𝟎𝟏)["1−(1+0,12/12)^−42 " " [(((𝟏+𝟎,𝟎𝟎𝟓)(𝟏+𝟎,𝟏𝟐/𝟏𝟐)"^−" 𝟏)"^42 −" 𝟏)/((𝟏+𝟎,𝟎𝟎𝟓)(𝟏+𝟎,𝟏𝟐/𝟏𝟐)"^−" 𝟏

por el primer mes R1 930.1191195

R-I SLD-AMOR R I R-I
AMORTIZACION SALDO CUOTA INTERECES AMORTIZACION
CAPITAL INSOLUTO PERIODO SEMESTRAL CTAS CAPITAL
35000 0
389.01 34610.99 1 930.11912 350.00 580.12
407.90 34203.09 2 934.76972 344.20 590.57
426.98 33776.11 3 939.44356 338.29 601.15
446.25 33329.86 4 944.14078 332.28 611.86
465.71 32864.14 5 948.86149 326.16 622.70
485.37 32378.77 6 953.60579 319.94 633.67
505.22 31873.6 7 958.37382 313.60 644.77
525.28 31348.3 8 963.16569 307.15 656.01
545.53 30802.7 9 967.98152 300.59 667.39
565.98 30236.8 10 972.82143 293.92 678.90
586.64 29650.1 11 977.68553 287.13 690.56
607.51 29042.6 12 982.57396 280.22 702.35
628.59 28414.0 13 987.48683 273.20 714.29
649.87 27764.2 14 992.42427 266.06 726.37
671.37 27092.8 15 997.38639 258.79 738.59
693.08 26399.7 16 1002.37332 251.41 750.97
715.01 25684.7 17 1007.38519 243.90 763.49
737.16 24947.5 18 1012.42211 236.26 776.16
759.54 24188.0 19 1017.48422 228.50 788.98
782.13 23405.9 20 1022.57164 220.61 801.96
804.95 22600.9 21 1027.68450 212.59 815.09
828.00 21772.9 22 1032.82292 204.44 828.38
851.28 20921.6 23 1037.98704 196.16 841.83
874.80 20046.8 24 1043.17697 187.74 855.44
 898.54 19148.3 25 1048.39286 179.18 869.21
922.53 18225.7 26 1053.63482 170.49 883.14
946.75 17279.0 27 1058.90300 161.66 897.24
971.22 16307.8 28 1064.19751 152.69 911.51
995.93 15311.8 29 1069.51850 143.57 925.95
1020.89 14290.9 30 1074.86609 134.31 940.55
1046.10 13244.8 31 1080.24042 124.91 955.33
1071.56 12173.3 32 1085.64162 115.35 970.29
1097.28 11076.0 33 1091.06983 105.65 985.42
1123.25 9952.8 34 1096.52518 95.80 1000.73
1149.48 8803.3 35 1102.00781 85.79 1016.22
1175.98 7627.3 36 1107.51785 75.63 1031.89
1202.74 6424.5 37 1113.05544 65.31 1047.75
1229.77 5194.8 38 1118.62071 54.83 1063.79
1257.06 3937.7 39 1124.21382 44.19 1080.02
1284.63 2653.1 40 1129.83489 33.39 1096.44
1312.48 1340.6 41 1135.48406 22.43 1113.05
1340.61 0.0 42 1141.16148 11.30 1129.86
35000.0 TOTAL 43349.63 8349.63 35000.0
OTAS CRECIENTES
or mes )
𝟏)/((𝟏+𝟎,𝟎𝟎𝟓)(𝟏+𝟎,𝟏𝟐/𝟏𝟐)"^−" 𝟏 −𝟏)]

SLD-AMOR
SALDO
INSOLUTO
35000
34419.88
33829.31
33228.16
32616.30
31993.60
31359.93
30715.2
30059.1
29391.8
28712.8
28022.3
27319.9
26605.7
25879.3
25140.7
24389.7
23626.2
22850.1
22061.1
21259.1
20444.0
19615.7
18773.8
17918.4
17049.2
16166.0
15268.8
14357.3
13431.3
12490.8
11535.5
10565.2
9579.7
8579.0
7562.8
6530.9
5483.2
4419.4
3339.4
2242.9
1129.9
0.0
INCORPORAR DOS AÑO DE GRACIA PARA EL CAPITAL

DATOS
VA= 35000 2año de gracia para el capital
palzo total de años 5,5
R= 3 , 5 años para cancelar el prestamo
i= 12%
n= 42 meses
j= 12
R= 1024.647
1) SISTEMA FRANCES 2) SISTEMA DE AMORTIZACION
𝑎𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑐𝑖𝑜𝑛 𝑑𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑑𝑒𝑙 𝑝𝑒𝑟

R I R-I SLD-AMOR
CUOTA INTERECES AMORTIZACION SALDO
PERIODO SEMESTRAL CTAS CAPITAL INSOLUTO PERIODO
0 35000 0
1 350 350 0 35000 1
2 350 350 0 35000 2
3 350 350 0 35000 3
4 350 350 0 35000 4
5 350 350 0 35000 5
6 350 350 0 35000 6
.. .. .. .. .. ..
.. .. .. .. .. ..
.. .. .. … .. ..
… .. .. … .. …
22 350 350 0 35000 22
23 350 350 0 35000 23
24 350 350 0 35000 24
25 1024.647 350.00 674.65 34325.35 25
26 1024.647 343.25 681.39 33643.96 26
27 1024.647 336.44 688.21 32955.75 27
28 1024.647 329.56 695.09 32260.66 28
29 1024.647 322.61 702.04 31558.62 29
30 1024.647 315.59 709.06 30849.56 30
31 1024.647 308.50 716.15 30133.4 31
32 1024.647 301.33 723.31 29410.1 32
33 1024.647 294.10 730.55 28679.6 33
34 1024.647 286.80 737.85 27941.7 34
35 1024.647 279.42 745.23 27196.5 35
36 1024.647 271.96 752.68 26443.8 36
37 1024.647 264.44 760.21 25683.6 37
38 1024.647 256.84 767.81 24915.8 38
39 1024.647 249.16 775.49 24140.3 39
 40 1024.647 241.40 783.24 23357.0 40
41 1024.647 233.57 791.08 22566.0 41
42 1024.647 225.66 798.99 21767.0 42
43 1024.647 217.67 806.98 20960.0 43
44 1024.647 209.60 815.05 20144.9 44
45 1024.647 201.45 823.20 19321.7 45
46 1024.647 193.22 831.43 18490.3 46
47 1024.647 184.90 839.74 17650.6 47
48 1024.647 176.51 848.14 16802.4 48
49 1024.647 168.02 856.62 15945.8 49
50 1024.647 159.46 865.19 15080.6 50
51 1024.647 150.81 873.84 14206.8 51
52 1024.647 142.07 882.58 13324.2 52
53 1024.647 133.24 891.40 12432.8 53
54 1024.647 124.33 900.32 11532.5 54
55 1024.647 115.32 909.32 10623.2 55
56 1024.647 106.23 918.42 9704.7 56
57 1024.647 97.05 927.60 8777.1 57
58 1024.647 87.77 936.88 7840.3 58
59 1024.647 78.40 946.24 6894.0 59
60 1024.647 68.94 955.71 5938.3 60
61 1024.647 59.38 965.26 4973.0 61
62 1024.647 49.73 974.92 3998.1 62
63 1024.647 39.98 984.67 3013.5 63
64 1024.647 30.13 994.51 2019.0 64
65 1024.647 20.19 1004.46 1014.5 65
66 1024.647 10.14 1014.50 0.0 66
TOTAL 43035.17 8035.17 35000.0 TOTAL

CALLEJAS PATZI ESMERALDA

) SISTEMA DE AMORTIZACION CONSTANTE 3) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENT
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑐𝑖𝑜𝑛 𝑑𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑑𝑒𝑙 𝑝𝑒𝑟𝑖𝑑𝑜= 35000/(42 ) ARITMETICAMENTE (g= $ 15 por mes )
833.333333 R1= 739.01151

I+AM I CAP/N SLD-AMOR I

CUOTA INTERECES AMORTIZACION SALDO CUOTA INTERECES
SEMESTRAL CTAS CAPITAL INSOLUTO PERIODO SEMESTRAL CTAS
35000 0
350 350 0 35000 1 350 350
350 350 0 35000 2 350 350
350 350 0 35000 3 350 350
350 350 0 35000 4 350 350
350 350 0 35000 5 350 350
350 350 0 35000 6 350 350
.. .. .. .. .. .. ..
.. .. .. .. .. .. ..
.. .. … .. .. .. ..
.. .. … .. … .. ..
350 350 0 35000 22 350 350
350 350 0 35000 23 350 350
350 350 0 35000 24 350 350
1183.333 350.00 833.33 34166.67 25 739.012 350.00
1024.647 341.67 833.33 33333.33 26 754.012 346.11
1024.647 333.33 833.33 32500.00 27 769.012 342.03
1024.647 325.00 833.33 31666.67 28 784.012 337.76
1024.647 316.67 833.33 30833.33 29 799.012 333.30
1024.647 308.33 833.33 30000.00 30 814.012 328.64
1024.647 300.00 833.33 29166.7 31 829.012 323.79
1024.647 291.67 833.33 28333.3 32 844.012 318.74
1024.647 283.33 833.33 27500.0 33 859.012 313.48
1024.647 275.00 833.33 26666.7 34 874.012 308.03
1024.647 266.67 833.33 25833.3 35 889.012 302.37
1024.647 258.33 833.33 25000.0 36 904.012 296.50
1024.647 250.00 833.33 24166.7 37 919.012 290.43
1024.647 241.67 833.33 23333.3 38 934.012 284.14
1024.647 233.33 833.33 22500.0 39 949.012 277.64
1024.647 225.00 833.33 21666.7 40 964.012 270.93
1024.647 216.67 833.33 20833.3 41 979.012 264.00
1024.647 208.33 833.33 20000.0 42 994.012 256.85
1024.647 200.00 833.33 19166.7 43 1009.012 249.48
1024.647 191.67 833.33 18333.3 44 1024.012 241.88
1024.647 183.33 833.33 17500.0 45 1039.012 234.06
1024.647 175.00 833.33 16666.7 46 1054.012 226.01
1024.647 166.67 833.33 15833.3 47 1069.012 217.73
1024.647 158.33 833.33 15000.0 48 1084.012 209.22
1024.647 150.00 833.33 14166.7 49 1099.012 200.47
1024.647 141.67 833.33 13333.3 50 1114.012 191.48
1024.647 133.33 833.33 12500.0 51 1129.012 182.26
1024.647 125.00 833.33 11666.7 52 1144.012 172.79
1024.647 116.67 833.33 10833.3 53 1159.012 163.08
1024.647 108.33 833.33 10000.0 54 1174.012 153.12
1024.647 100.00 833.33 9166.7 55 1189.012 142.91
1024.647 91.67 833.33 8333.3 56 1204.012 132.45
1024.647 83.33 833.33 7500.0 57 1219.012 121.73
1024.647 75.00 833.33 6666.7 58 1234.012 110.76
1024.647 66.67 833.33 5833.3 59 1249.012 99.53
1024.647 58.33 833.33 5000.0 60 1264.012 88.03
1024.647 50.00 833.33 4166.7 61 1279.012 76.27
1024.647 41.67 833.33 3333.3 62 1294.012 64.25
1024.647 33.33 833.33 2500.0 63 1309.012 51.95
1024.647 25.00 833.33 1666.7 64 1324.012 39.38
1024.647 16.67 833.33 833.3 65 1339.012 26.53
1024.647 8.33 833.33 0.0 66 1354.012 13.41
43193.86 7525.00 35000.0 TOTAL 43953.48 8953.48
 ZACION CON CUOTAS CRECIENTES 4) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENTES
MENTE (g= $ 15 por mes ) GEOMETRICAMENTE (f= 0,5% por mes )
R1= 930.11912

R-I SLD-AMOR I R-I SLD-AMOR

AMORTIZACION SALDO CUOTA INTERECES AMORTIZACION SALDO
CAPITAL INSOLUTO PERIODO SEMESTRAL CTAS CAPITAL INSOLUTO
35000 0 35000
0 35000 1 350 350 0 35000
0 35000 2 350 350 0 35000
0 35000 3 350 350 0 35000
0 35000 4 350 350 0 35000
0 35000 5 350 350 0 35000
0 35000 6 350 350 0 35000
.. .. .. .. .. .. ..
.. .. .. .. .. .. ..
… .. .. .. .. … ..
… .. … .. .. … ..
0 35000 22 350 350 0 35000
0 35000 23 350 350 0 35000
0 35000 24 350 350 0 35000
389.01 34610.99 25 930.119 350.00 580.12 34419.88
407.90 34203.09 26 934.770 344.20 590.57 33829.31
426.98 33776.11 27 939.444 338.29 601.15 33228.16
446.25 33329.86 28 944.141 332.28 611.86 32616.30
465.71 32864.14 29 948.861 326.16 622.70 31993.60
485.37 32378.77 30 953.606 319.94 633.67 31359.93
505.22 31873.5 31 958.374 313.60 644.77 30715.2
525.28 31348.3 32 963.166 307.15 656.01 30059.1
545.53 30802.7 33 967.982 300.59 667.39 29391.8
565.98 30236.8 34 972.821 293.92 678.90 28712.8
586.64 29650.1 35 977.686 287.13 690.56 28022.3
607.51 29042.6 36 982.574 280.22 702.35 27319.9
628.59 28414.0 37 987.487 273.20 714.29 26605.7
649.87 27764.1 38 992.424 266.06 726.37 25879.3
671.37 27092.8 39 997.386 258.79 738.59 25140.7
 693.08 26399.7 40 1002.373 251.41 750.97 24389.7
715.01 25684.7 41 1007.385 243.90 763.49 23626.2
737.16 24947.5 42 1012.422 236.26 776.16 22850.1
759.54 24188.0 43 1017.484 228.50 788.98 22061.1
782.13 23405.8 44 1022.572 220.61 801.96 21259.1
804.95 22600.9 45 1027.685 212.59 815.09 20444.0
828.00 21772.9 46 1032.823 204.44 828.38 19615.7
851.28 20921.6 47 1037.987 196.16 841.83 18773.8
874.80 20046.8 48 1043.177 187.74 855.44 17918.4
898.54 19148.3 49 1048.393 179.18 869.21 17049.2
922.53 18225.7 50 1053.635 170.49 883.14 16166.0
946.75 17279.0 51 1058.903 161.66 897.24 15268.8
971.22 16307.8 52 1064.198 152.69 911.51 14357.3
995.93 15311.8 53 1069.519 143.57 925.95 13431.3
1020.89 14290.9 54 1074.866 134.31 940.55 12490.8
1046.10 13244.8 55 1080.240 124.91 955.33 11535.5
1071.56 12173.3 56 1085.642 115.35 970.29 10565.2
1097.28 11076.0 57 1091.070 105.65 985.42 9579.7
1123.25 9952.7 58 1096.525 95.80 1000.73 8579.0
1149.48 8803.3 59 1102.008 85.79 1016.22 7562.8
1175.98 7627.3 60 1107.518 75.63 1031.89 6530.9
1202.74 6424.5 61 1113.055 65.31 1047.75 5483.2
1229.77 5194.8 62 1118.621 54.83 1063.79 4419.4
1257.06 3937.7 63 1124.214 44.19 1080.02 3339.4
1284.63 2653.1 64 1129.835 33.39 1096.44 2242.9
1312.48 1340.6 65 1135.484 22.43 1113.05 1129.9
1340.61 0.0 66 1141.161 11.30 1129.86 0.0
35000.0 TOTAL 43349.63 8349.63 35000.0
INCORPORAR DOS AÑO DE GRACIA PARA EL CAPITAL E INTERES

DATOS
VA= 35000 2año de gracia para el capital
plazo total de años 5,5
R= 3 , 5 años para cancelar el prestamo
i= 12%
n= 42 meses
j= 12
R= 1024.647

1) SISTEMA FRANCES 2) SISTEMA DE AMORTIZACION

𝑎𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑐𝑖𝑜𝑛 𝑑𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑑𝑒𝑙 𝑝𝑒

R I R-I SLD-AMOR
CUOTA INTERECES AMORTIZACION SALDO
PERIODO SEMESTRAL CTAS CAPITAL INSOLUTO PERIODO
0 35000 0
1 0 0 0 35000 1
2 0 0 0 35000 2
3 0 0 0 35000 3
4 0 0 0 35000 4
5 0 0 0 35000 5
6 0 0 0 35000 6
.. .. .. .. .. ..
.. .. .. .. .. ..
.. .. .. … .. ..
… .. .. … .. …
22 0 0 0 35000 22
23 0 0 0 35000 23
24 0 0 0 35000 24
25 9424.647 8750.00 674.65 34325.35 25
26 1024.647 343.25 681.39 33643.96 26
27 1024.647 336.44 688.21 32955.75 27
28 1024.647 329.56 695.09 32260.66 28
29 1024.647 322.61 702.04 31558.62 29
30 1024.647 315.59 709.06 30849.56 30
31 1024.647 308.50 716.15 30133.4 31
32 1024.647 301.33 723.31 29410.1 32
33 1024.647 294.10 730.55 28679.6 33
34 1024.647 286.80 737.85 27941.7 34
35 1024.647 279.42 745.23 27196.5 35
36 1024.647 271.96 752.68 26443.8 36
37 1024.647 264.44 760.21 25683.6 37
38 1024.647 256.84 767.81 24915.8 38
39 1024.647 249.16 775.49 24140.3 39
 40 1024.647 241.40 783.24 23357.0 40
41 1024.647 233.57 791.08 22566.0 41
42 1024.647 225.66 798.99 21767.0 42
43 1024.647 217.67 806.98 20960.0 43
44 1024.647 209.60 815.05 20144.9 44
45 1024.647 201.45 823.20 19321.7 45
46 1024.647 193.22 831.43 18490.3 46
47 1024.647 184.90 839.74 17650.6 47
48 1024.647 176.51 848.14 16802.4 48
49 1024.647 168.02 856.62 15945.8 49
50 1024.647 159.46 865.19 15080.6 50
51 1024.647 150.81 873.84 14206.8 51
52 1024.647 142.07 882.58 13324.2 52
53 1024.647 133.24 891.40 12432.8 53
54 1024.647 124.33 900.32 11532.5 54
55 1024.647 115.32 909.32 10623.2 55
56 1024.647 106.23 918.42 9704.7 56
57 1024.647 97.05 927.60 8777.1 57
58 1024.647 87.77 936.88 7840.3 58
59 1024.647 78.40 946.24 6894.0 59
60 1024.647 68.94 955.71 5938.3 60
61 1024.647 59.38 965.26 4973.0 61
62 1024.647 49.73 974.92 3998.1 62
63 1024.647 39.98 984.67 3013.5 63
64 1024.647 30.13 994.51 2019.0 64
65 1024.647 20.19 1004.46 1014.5 65
66 1024.647 10.14 1014.50 0.0 66
TOTAL 51435.17 16435.17 35000.0 TOTAL

IMPORTE SEMESTR
INTERES CAPIT INTERS gracia
I.1,2 35000 12% 24 8400
12

CALLEJAS PATZI ESMERALDA

) SISTEMA DE AMORTIZACION CONSTANTE 3) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENT
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑐𝑖𝑜𝑛 𝑑𝑒 𝑐𝑎𝑝𝑖𝑡𝑎𝑙 𝑑𝑒𝑙 𝑝𝑒𝑟𝑖𝑑𝑜= 35000/(42 ) ARITMETICAMENTE (g= $ 15 por mes )
833.333333 R1= 739.01151
I+AMR I SLD-AMOR R I
CUOTA INTERECES AMORTIZACION SALDO CUOTA INTERECES
SEMESTRAL CTAS CAPITAL INSOLUTO PERIODO SEMESTRAL CTAS
35000 0
0 0 0 35000 1 0 0
0 0 0 35000 2 0 0
0 0 0 35000 3 0 0
0 0 0 35000 4 0 0
0 0 0 35000 5 0 0
0 0 0 35000 6 0 0
.. .. .. .. .. .. ..
.. .. .. .. .. .. ..
.. .. … .. .. .. ..
.. .. … .. … .. ..
0 0 0 35000 22 0 0
0 0 0 35000 23 0 0
0 0 0 35000 24 0 0
9583.333 8750.00 833.33 34166.67 25 9139.012 8750.00
1175.000 341.67 833.33 33333.33 26 754.012 346.11
1166.667 333.33 833.33 32500.00 27 769.012 342.03
1158.333 325.00 833.33 31666.67 28 784.012 337.76
1150.000 316.67 833.33 30833.33 29 799.012 333.30
1141.667 308.33 833.33 30000.00 30 814.012 328.64
1133.333 300.00 833.33 29166.7 31 829.012 323.79
1125.000 291.67 833.33 28333.3 32 844.012 318.74
1116.667 283.33 833.33 27500.0 33 859.012 313.48
1108.333 275.00 833.33 26666.7 34 874.012 308.03
1100.000 266.67 833.33 25833.3 35 889.012 302.37
1091.667 258.33 833.33 25000.0 36 904.012 296.50
1083.333 250.00 833.33 24166.7 37 919.012 290.43
1075.000 241.67 833.33 23333.3 38 934.012 284.14
1066.667 233.33 833.33 22500.0 39 949.012 277.64
1058.333 225.00 833.33 21666.7 40 964.012 270.93
1050.000 216.67 833.33 20833.3 41 979.012 264.00
1041.667 208.33 833.33 20000.0 42 994.012 256.85
1033.333 200.00 833.33 19166.7 43 1009.012 249.48
1025.000 191.67 833.33 18333.3 44 1024.012 241.88
1016.667 183.33 833.33 17500.0 45 1039.012 234.06
1008.333 175.00 833.33 16666.7 46 1054.012 226.01
1000.000 166.67 833.33 15833.3 47 1069.012 217.73
991.667 158.33 833.33 15000.0 48 1084.012 209.22
983.333 150.00 833.33 14166.7 49 1099.012 200.47
975.000 141.67 833.33 13333.3 50 1114.012 191.48
966.667 133.33 833.33 12500.0 51 1129.012 182.26
958.333 125.00 833.33 11666.7 52 1144.012 172.79
950.000 116.67 833.33 10833.3 53 1159.012 163.08
941.667 108.33 833.33 10000.0 54 1174.012 153.12
933.333 100.00 833.33 9166.7 55 1189.012 142.91
925.000 91.67 833.33 8333.3 56 1204.012 132.45
916.667 83.33 833.33 7500.0 57 1219.012 121.73
908.333 75.00 833.33 6666.7 58 1234.012 110.76
900.000 66.67 833.33 5833.3 59 1249.012 99.53
891.667 58.33 833.33 5000.0 60 1264.012 88.03
883.333 50.00 833.33 4166.7 61 1279.012 76.27
875.000 41.67 833.33 3333.3 62 1294.012 64.25
866.667 33.33 833.33 2500.0 63 1309.012 51.95
858.333 25.00 833.33 1666.7 64 1324.012 39.38
850.000 16.67 833.33 833.3 65 1339.012 26.53
841.667 8.33 833.33 0.0 66 1354.012 13.41
50925.00 15925.00 35000.0 TOTAL 52353.48 17353.48

IMPORTE
INTERES CAPIT INTERS
I.1,2 35000 12%
12
 ZACION CON CUOTAS CRECIENTES 4) SISTEMA DE AMORTIZACION CON CUOTAS CRECIENTES
MENTE (g= $ 15 por mes ) GEOMETRICAMENTE (f= 0,5% por mes )
R1= 930.11912
R-I SLD-AMOR R I R-I SLD-AMOR
AMORTIZACION SALDO CUOTA INTERECES AMORTIZACION SALDO
CAPITAL INSOLUTO PERIODO SEMESTRAL CTAS CAPITAL INSOLUTO
35000 0 35000
0 35000 1 0 0 0 35000
0 35000 2 0 0 0 35000
0 35000 3 0 0 0 35000
0 35000 4 0 0 0 35000
0 35000 5 0 0 0 35000
0 35000 6 0 0 0 35000
.. .. .. .. .. .. ..
.. .. .. .. .. .. ..
… .. .. .. .. … ..
… .. … .. .. … ..
0 35000 22 0 0 0 35000
0 35000 23 0 0 0 35000
0 35000 24 0 0 0 35000
389.01 34610.99 25 9330.119 8750.00 580.12 34419.88
407.90 34203.09 26 934.770 344.20 590.57 33829.31
426.98 33776.11 27 939.444 338.29 601.15 33228.16
446.25 33329.86 28 944.141 332.28 611.86 32616.30
465.71 32864.14 29 948.861 326.16 622.70 31993.60
485.37 32378.77 30 953.606 319.94 633.67 31359.93
505.22 31873.5 31 958.374 313.60 644.77 30715.2
525.28 31348.3 32 963.166 307.15 656.01 30059.1
545.53 30802.7 33 967.982 300.59 667.39 29391.8
565.98 30236.8 34 972.821 293.92 678.90 28712.8
586.64 29650.1 35 977.686 287.13 690.56 28022.3
607.51 29042.6 36 982.574 280.22 702.35 27319.9
628.59 28414.0 37 987.487 273.20 714.29 26605.7
649.87 27764.1 38 992.424 266.06 726.37 25879.3
671.37 27092.8 39 997.386 258.79 738.59 25140.7
 693.08 26399.7 40 1002.373 251.41 750.97 24389.7
715.01 25684.7 41 1007.385 243.90 763.49 23626.2
737.16 24947.5 42 1012.422 236.26 776.16 22850.1
759.54 24188.0 43 1017.484 228.50 788.98 22061.1
782.13 23405.8 44 1022.572 220.61 801.96 21259.1
804.95 22600.9 45 1027.685 212.59 815.09 20444.0
828.00 21772.9 46 1032.823 204.44 828.38 19615.7
851.28 20921.6 47 1037.987 196.16 841.83 18773.8
874.80 20046.8 48 1043.177 187.74 855.44 17918.4
898.54 19148.3 49 1048.393 179.18 869.21 17049.2
922.53 18225.7 50 1053.635 170.49 883.14 16166.0
946.75 17279.0 51 1058.903 161.66 897.24 15268.8
971.22 16307.8 52 1064.198 152.69 911.51 14357.3
995.93 15311.8 53 1069.519 143.57 925.95 13431.3
1020.89 14290.9 54 1074.866 134.31 940.55 12490.8
1046.10 13244.8 55 1080.240 124.91 955.33 11535.5
1071.56 12173.3 56 1085.642 115.35 970.29 10565.2
1097.28 11076.0 57 1091.070 105.65 985.42 9579.7
1123.25 9952.7 58 1096.525 95.80 1000.73 8579.0
1149.48 8803.3 59 1102.008 85.79 1016.22 7562.8
1175.98 7627.3 60 1107.518 75.63 1031.89 6530.9
1202.74 6424.5 61 1113.055 65.31 1047.75 5483.2
1229.77 5194.8 62 1118.621 54.83 1063.79 4419.4
1257.06 3937.7 63 1124.214 44.19 1080.02 3339.4
1284.63 2653.1 64 1129.835 33.39 1096.44 2242.9
1312.48 1340.6 65 1135.484 22.43 1113.05 1129.9
1340.61 0.0 66 1141.161 11.30 1129.86 0.0
35000.0 TOTAL 51749.63 16749.63 35000.0

SEMESTR IMPORTE SEMESTR

gracia INTERES CAPIT INTERS gracia
24 8400 I.1,2 35000 12% 24 8400
12