DATOS

Prestamo 800,000.00
Cant ctas mensuales 5
Tasa ef mensual 3.00%
Sellado s/el prestamo

Gtos otorgamiento / bancarios 2.00% s/total se paga al otorgamiento

seg vida 0.50% s/saldo
IVA 21.00% s/intereses
Hon Escr 2.00% s/total se paga al otorgamiento
gtos cancelacion 1.00% s/total se paga con la ultima cuota

CALCULO CUOTA
1.03 5.00 1.16 0.03 0.03
1.03 5.00 1.16 1.00 0.16
0.22
800,000.00
174,683.66

0 1 2 3 4
SALDO PRESTAMO 800,000.00 800,000.00 649,316.34 494,112.18 334,251.88
CUOTA -174,683.66 -174,683.66 -174,683.66 -174,683.66
SELLADO 0
INTERESES -24,000.00 -19,479.49 -14,823.37 -10,027.56
AMORT CAPITAL -150,683.66 -155,204.17 -159,860.29 -164,656.10
GTOS OTORGAMIENTO -16000
SEGURO VIDA -4,000.00 -3,246.58 -2,470.56 -1,671.26
IVA -5,040.00 -4,090.69 -3,112.91 -2,105.79
HON ESCRIBANO -16000
GTOS CANCELACION
FLUJO DE FONDOS 768,000.00 -183,723.66 -182,020.93 -180,267.12 -178,460.70

5.90% CFT -2.30% colocar formula de B hasta cuo

Reemplazamos la tasa:
VA= 183,723.66 182,020.93 180,267.12 178,460.70
768,000.00 (1+i) (1+i)^2 (1+i)^3 (1+i)^4

-183,723.66 -182,020.93 -180,267.12 -178,460.70

0.98 0.95 0.93 0.91
-188,057.58 -190,709.74 -193,327.60 -195,905.08
metodo prospectivo
 16

5 6 7 8 9 10 11 12 13 14 15
169,595.78 0.00 ### ### ### ### ### ### ### ### ###
-174,683.66 -174,683.66 ### ### ### ### ### ### ### ### ###
0.00
-5,087.87 0.00 -5,240.51 ### ### ### ### ### ### ### ###
-169,595.78 -174,683.66 ### ### ### ### ### ### ### ### ###

-847.98 0.00 -873.42 ### ### ### ### ### ### ### ###
-1,068.45 0.00 -1,100.51 ### ### ### ### ### ### ### ###

-8,000.00 -8,000.00
-184,600.09 -182,683.66 ### ### ### ### ### ### ### ### ###

ocar formula de B hasta cuota q sea

184,600.09
(1+i)^5

-184,600.09
0.89
-207,424.84 -975,424.84 CFT
DATOS
Prestamo 25,000.00
Cant ctas mensuales 10
Tasa ef mensual 1.50%
Sellado 0.50% s/el prestamo
Gtos otorgamiento /
bancarios 1% s/total se paga al otorgamiento
seg vida 0.50% s/saldo
IVA 21.00% s/intereses
Hon Escr 2.00% s/total se paga al otorgamiento
gtos cancelacion/sellado 5.00% s/saldo se paga con la ultima cuota

CALCULO CUOTA
1.015 10.000 1.161 0.015 0.017
1.015 10.000 1.161 1.000 0.161
0.108
25,000.00
2,710.85

0 1 2 3 4 5
SALDO PRESTAMO 25,000.00 25,000.00 22,664.15 20,293.25 17,886.80 15,444.25
CUOTA -2,710.85 -2,710.85 -2,710.85 -2,710.85 -2,710.85
INTERESES -375.00 -339.96 -304.40 -268.30 -231.66
AMORT CAPITAL -2,335.85 -2,370.89 -2,406.46 -2,442.55 -2,479.19

A PAGAR
CUOTA 25000 -2,710.85 -2,710.85 -2,710.85 -2,710.85 -2,710.85
SELLADO -125
HON ESCRIBANO -500
GTOS OTORG/BCARIOS -250
SEGURO VIDA -125.00 -113.32 -101.47 -89.43 -77.22
IVA -78.75 -71.39 -63.92 -56.34 -48.65
Saldo pendiente -12965.03
Gstos cancelacion -648.25
FLUJO DE FONDOS 24,125.00 -2,914.60 -2,895.57 -2,876.24 -2,856.63 -16,450.01

CFT 3.86%

Reemplazamos la tasa:
VA= 2,914.60 2,895.57 2,876.24 2,856.63 16,450.01
24,125.00 (1+i) (1+i)^2 (1+i)^3 (1+i)^4 (1+i)^5

-2,914.60 -2,895.57 -2,876.24 -2,856.63 -16,450.01

1.04 1.08 1.12 1.16 1.21
 -2,806.28 -2,684.33 -2,567.32 -2,455.05 -13,612.02

HACER metodo prospectivo CUANDO ES SOBRE SALDOen hoja aparte

EFINANZAS aplicación para calcular la tasa interna de retorno

 16

6 7 8 9 10 11 12 13 14 15
12,965.05 10,448.68 7,894.55 5,302.12 2,670.79 ### ### ### ### ###
-2,710.85 -2,710.85 -2,710.85 -2,710.85 -2,710.85 ### ### ### ### ###
-194.48 -156.73 -118.42 -79.53 -40.06 ### ### ### ### ###
-2,516.38 -2,554.12 -2,592.44 -2,631.32 -2,670.79 ### ### ### ### ###

-2,710.85 -2,710.85 -2,710.85 -2,710.85 -2,710.85 ### ### ### ### ###
0.00
0.00
0.00
-64.83 -52.24 -39.47 -26.51 -13.35 ### ### ### ### ###
-40.84 -32.91 -24.87 -16.70 -8.41 ### ### ### ### ###
### ### ### ### ###
0.00 0.00 0.00 0.00 0.00
-2,816.52 -2,796.01 -2,775.20 -2,754.07 -2,732.62 ### ### ### ### ###
-24,125.00 CFT
Sistema Frances
Prestamo 50000
Cuota 5
Tasa mens 3%

1 2 3 4 5
saldo 50,000.00 40,582.27 30,882.01 20,890.74 10,599.74
cuota 10,917.73 10,917.73 10,917.73 10,917.73 10,917.73

interes 1,500.00 1,217.47 926.46 626.72 317.99

amort capital 9,417.73 9,700.26 9,991.27 10,291.01 10,599.74

-10,917.73 -10,917.73 -10,917.73 -10,917.73 -10,917.73

VA=
(1+i) (1+i)^2 (1+i)^3 (1+i)^4 (1+i)^5

Reemplazamos la tasa por el

50000 -10,917.73 -10,917.73 -10,917.73 -10,917.73 -10,917.73
1.03 1.06 1.09 1.13 1.16

50000 -10,599.74 -10,291.01 -9,991.27 -9,700.26 -9,417.73

CFT 3%
sistema frances
Prestamo 25,000.00
Cant ctas me 10 METODO PROSPECTIVO
Tasa ef mens 1.50% (1+i)^n-p-1
Vp= C*
(1+i)^n-p*i

1.015 10.000 1.161 0.015 0.02 1.02 5.00

1.015 10.000 1.161 1.000 0.16 1.02 5.00
0.108
25,000.00
2,710.85 para cancelar el prestamo ten

DEUDA CUOTA INTERES CAPITAL SALDO

1 25,000.00 2,710.85 375.00 2,335.85 22,664.15
2 22,664.15 2,710.85 339.96 2,370.89 20,293.25
3 20,293.25 2,710.85 304.40 2,406.46 17,886.80
4 17,886.80 2,710.85 268.30 2,442.55 15,444.25
5 15,444.25 2,710.85 231.66 2,479.19 12,965.05 entonces voy a la tabla ppal y lo pongo en sald
6 12,965.05 2,710.85 194.48 2,516.38 10,448.68
7 10,448.68 2,710.85 156.73 2,554.12 7,894.55
8 7,894.55 2,710.85 118.42 2,592.44 5,302.12
9 5,302.12 2,710.85 79.53 2,631.32 2,670.79
10 2,670.79 2,710.85 40.06 2,670.79 0.00
11 0.00 2,710.85 0.00 2,710.85 -2,710.85
12 -2,710.85 2,710.85 -40.66 2,751.52 -5,462.37
13 -5,462.37 2,710.85 -81.94 2,792.79 -8,255.16
14 -8,255.16 2,710.85 -123.83 2,834.68 -11,089.84
15 -11,089.84 2,710.85 -166.35 2,877.20 -13,967.05
 1.08 1.00 0.08
1.08 0.02 0.02
4.78
2,710.85
cancelar el prestamo tengo que pagar 12965.05

la ppal y lo pongo en saldo pendiente

 TRABAJO PRACTICO 3 CUOTA
Ej 1 35000 valor cuota
Monto $100,000.00 15000 fondo amortizante
cuotas 10 t1
interes 1.25% valor deuda
D
Amortización Capital Amortizacion
PERIODO Cuota total Capital Interes acumulado Deuda capital periodos
0 $100,000.00 n
1 $10,700.31 $9,450.31 $1,250.00 $9,450.31 $90,549.69 amort periodica
2 $10,700.31 $9,568.44 $1,131.87 $19,018.74 $80,981.26 tp6
3 $10,700.31 $9,688.04 $1,012.27 $28,706.79 $71,293.21 total amort
4 $10,700.31 $9,809.14 $891.17 $38,515.93 $61,484.07 tp7
5 $10,700.31 $9,931.76 $768.55 $48,447.68 $51,552.32 metodo prospectivo
6 $10,700.31 $10,055.90 $644.40 $58,503.59 $41,496.41 Vp
7 $10,700.31 $10,181.60 $518.71 $68,685.19 $31,314.81 valor retrospectivo
8 $10,700.31 $10,308.87 $391.44 $78,994.06 $21,005.94 Vr
9 $10,700.31 $10,437.73 $262.57 $89,431.80 $10,568.20 int.percibidos
10 $10,700.31 $10,568.20 $132.10 $100,000.00 $0.00 h/tal per
11 $10,700.31 $10,700.31 $0.00 $110,700.31 -$10,700.31 cta constante
12 $10,700.31 $10,834.06 -$133.75 $121,534.37 -$21,534.37 Co
13 $10,700.31 $10,969.49 -$269.18 $132,503.86 -$32,503.86
interes contenido
14 $10,700.31 $11,106.61 -$406.30 $143,610.46 -$43,610.46 en cuota tal
15 $10,700.31 $11,245.44 -$545.13 $154,855.90 -$54,855.90
16 $10,700.31 $11,386.01 -$685.70 $166,241.91 -$66,241.91 CFT
17 $10,700.31 $11,528.33 -$828.02 $177,770.24 -$77,770.24
18 $10,700.31 $11,672.44 -$972.13 $189,442.67 -$89,442.67
19 $10,700.31 $11,818.34 -$1,118.03 $201,261.01 -$101,261.01
20 $10,700.31 $11,966.07 -$1,265.76 $213,227.08 -$113,227.08
21 $10,700.31 $12,115.65 -$1,415.34 $225,342.73 -$125,342.73
22 $10,700.31 $12,267.09 -$1,566.78 $237,609.82 -$137,609.82
23 $10,700.31 $12,420.43 -$1,720.12 $250,030.25 -$150,030.25
24 $10,700.31 $12,575.69 -$1,875.38 $262,605.94 -$162,605.94
25 $10,700.31 $12,732.88 -$2,032.57 $275,338.82 -$175,338.82
26 $10,700.31 $12,892.04 -$2,191.74 $288,230.86 -$188,230.86
27 $10,700.31 $13,053.19 -$2,352.89 $301,284.05 -$201,284.05
28 $10,700.31 $13,216.36 -$2,516.05 $314,500.41 -$214,500.41
29 $10,700.31 $13,381.56 -$2,681.26 $327,881.97 -$227,881.97
30 $10,700.31 $13,548.83 -$2,848.52 $341,430.81 -$241,430.81
31 $10,700.31 $13,718.19 -$3,017.89 $355,149.00 -$255,149.00
32 $10,700.31 $13,889.67 -$3,189.36 $369,038.67 -$269,038.67
33 $10,700.31 $14,063.29 -$3,362.98 $383,101.96 -$283,101.96
34 $10,700.31 $14,239.08 -$3,538.77 $397,341.04 -$297,341.04
35 $10,700.31 $14,417.07 -$3,716.76 $411,758.11 -$311,758.11
36 $10,700.31 $14,597.28 -$3,896.98 $426,355.40 -$326,355.40
37 $10,700.31 $14,779.75 -$4,079.44 $441,135.15 -$341,135.15
38 $10,700.31 $14,964.50 -$4,264.19 $456,099.64 -$356,099.64
39 $10,700.31 $15,151.55 -$4,451.25 $471,251.19 -$371,251.19
40 $10,700.31 $15,340.95 -$4,640.64 $486,592.14 -$386,592.14
41 $10,700.31 $15,532.71 -$4,832.40 $502,124.85 -$402,124.85
42 $10,700.31 $15,726.87 -$5,026.56 $517,851.72 -$417,851.72
43 $10,700.31 $15,923.45 -$5,223.15 $533,775.17 -$433,775.17
44 $10,700.31 $16,122.50 -$5,422.19 $549,897.67 -$449,897.67
45 $10,700.31 $16,324.03 -$5,623.72 $566,221.70 -$466,221.70
46 $10,700.31 $16,528.08 -$5,827.77 $582,749.78 -$482,749.78
47 $10,700.31 $16,734.68 -$6,034.37 $599,484.46 -$499,484.46
48 $10,700.31 $16,943.86 -$6,243.56 $616,428.32 -$516,428.32
49 $10,700.31 $17,155.66 -$6,455.35 $633,583.98 -$533,583.98
50 $10,700.31 $17,370.11 -$6,669.80 $650,954.09 -$550,954.09
51 $10,700.31 $17,587.23 -$6,886.93 $668,541.32 -$568,541.32
52 $10,700.31 $17,807.07 -$7,106.77 $686,348.40 -$586,348.40
53 $10,700.31 $18,029.66 -$7,329.35 $704,378.06 -$604,378.06
54 $10,700.31 $18,255.03 -$7,554.73 $722,633.09 -$622,633.09
55 $10,700.31 $18,483.22 -$7,782.91 $741,116.31 -$641,116.31
56 $10,700.31 $18,714.26 -$8,013.95 $759,830.57 -$659,830.57
57 $10,700.31 $18,948.19 -$8,247.88 $778,778.76 -$678,778.76
58 $10,700.31 $19,185.04 -$8,484.73 $797,963.81 -$697,963.81
59 $10,700.31 $19,424.85 -$8,724.55 $817,388.66 -$717,388.66
60 $10,700.31 $19,667.67 -$8,967.36 $837,056.33 -$737,056.33
61 $10,700.31 $19,913.51 -$9,213.20 $856,969.84 -$756,969.84
VA*((1+i)^n*i)/((1+i)^n-1) 3745.107588994
$10,700.31 $ 10,700.31
C/(1+i)^n
$ 9,450.31
C*((1+i)^n-1)/((1+i)^n*i)
$ 100,000.00

log(C/(C-D*i)/log(1+i)
10
t6=t1*(1+i)^(p-1) SUB CUOTA
$ 15,340.95
t1*((1+i)^p-1/i) ej despues de pagar c7
$ 58,503.59 suma recuadro columna
C*(1+i)^(n-p)-1/(1+i)^(n-p)*i calcula valor presente ctas impagas (saldo de la deuda antes de pagar tal per)
41496.41 es de arriba hacia abajo
V-tp calcula saldo del prestamo al final de un per cualquiera
$41,496.41 es de abajo hacia arriba

$5,053.85 ejemplo
Co*(i*(1+i)^n/(1+i)^n-1 Es el valor nominal del préstamo.Lo principal, la cantidad original del préstamo.Por lo gral, se obti
$ 10,700.31 cantidad = o menor q el valor nominal del préstamo.
C-(t1(1+i)^(p-1))
-$ 1,265.76

Err:523
de pagar tal per)

inal del préstamo.Por lo gral, se obtiene una

DATOS
Monto
cuotas
interes

Amort. Capital
CUOTAS Cuota total Intereses Capital acumulado Deuda capital

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38
 Amort. Capital
CUOTAS Cuota total Intereses Capital acumulado Deuda capital

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61
DATOS CALCULO CUOTA
Prestamo seg vida
Cant. cta.s mens. IVA
Tasa ef mensual Hon Escr
Sellado gtos cancelación
Gtos otorgamiento gtos bcarios

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

SALDO PRESTAMO

CUOTA

INTERESES

AMORT CAPITAL

A PAGAR

CUOTA

SELLADO

HON ESCRIBANO

GTOS OTORGADOS

GTOS BCARIOS

SEGURO VIDA

IVA

Saldo pendiente

Gtos cancelacion

FLUJO DE FONDOS

CFT
Reemplazamos la tasa:
VA= C

(1+i) (1+i)^2 (1+i)^3 (1+i)^4 (1+i)^5 (1+i)^6 (1+i)^7 (1+i)^8 (1+i)^9 (1+i)^10 (1+i)^11 (1+i)^12 (1+i)^13 (1+i)^14 (1+i)^15

CFT

METODO PROSPECTIVO

(1+i)^n-p-1
Vp= C*
(1+i)^n-p*i

DEUDA CUOTA INTERES CAPITAL SALDO

1 para cancelar el prestamo tengo que pagar

10

11

12

13
14

15
Sistema frances
Prestamo
Cant ctas mensuales
Tasa ef mensual

METODO PROSPECTIVO
(1+i)^n-p-1
Vp= C*
(1+i)^n-p*i

para cancelar el prestamo tengo que pagar

DEUDA CUOTA INTERES CAPITAL SALDO

10

11

12

13

14

15