A

Años
FECHA PRÉSTAMO CUOTA AMORT. INTERÉS SALDO
k
0 50000 50000
1 0.00 0.00 7500 50000
2 0.00 0.00 7500 50000
3 0.00 0.00 50000
4 0.00 0.00 50000
5 0.00 0.00 50000
6 0.00 0.00 50000
7 0.00 0.00 50000
8 0.00 0.00 50000
9 0.00 0.00 50000
10 0.00 0.00 50000
11 0.00 0.00 50000
12 0.00 0.00 50000
13 0.00 0.00 50000
14 0.00 0.00 50000
15 0.00 0.00 50000
i= 0.15
P= 50000

F= ?
B

Años
FECHA PRÉSTAMO CUOTA AMORT. INTERÉS SALDO
k
0 50000 50000
1 7500 0.00 7500 50000
2 7500 0.00 7500 50000
3 7500 0.00 7500 50000
4 7500 0.00 7500 50000
5 7500 0.00 7500 50000
6 7500 0.00 7500 50000
7 7500 0.00 7500 50000
8 7500 0.00 7500 50000
9 7500 0.00 7500 50000
10 7500 0.00 7500 50000
11 7500 0.00 7500 50000
12 7500 0.00 7500 50000
13 7500 0.00 7500 50000
14 7500 0.00 7500 50000
15 57500 50000.00 7500 50000
i= 0.15
P= 50000

F= ?
C

Años
FECHA PRÉSTAMO CUOTA AMORT. INTERÉS SALDO
k
0 50000 50000
1 0.00 0.00 7500 57500
2 0.00 0.00 8625 57500
3 0.00 0.00 8625 57500
4 0.00 0.00 8625 57500
5 0.00 0.00 8625 57500
6 0.00 0.00 8625 57500
7 0.00 0.00 8625 57500
8 20000 0.00 8625 57500
9 8625.00 0.00 8625 57500
10 8625.00 0.00 8625 57500
11 8625.00 0.00 8625 57500
12 8625.00 0.00 8625 57500
13 8625.00 0.00 8625 57500
14 8625.00 0.00 8625 57500
15 8625.00 0.00 8625 57500
80375.00 128250
i= 0.15
P= 50000

F= ?
MODELO FRANCÉS

23) Un préstamo de 150 000 debe cancelarse en 24 cuotas uniformes cada fin de mes, aplicando una TNA
del 26% capitalizable mensualmente. Calcule el importe de cada cuota y el cuadro de servicio de la deuda.

P= 150000
TNA= 0.26
n= 24
TEM= 0.02167

Años FECHA PRÉSTAMO CUOTA AMORT. INTERÉS SALDO

k
0 6/15/2022 150000 150000
1 7/15/2022 8081.19 4831.19 3250 145168.81
2 8/14/2022 8081.19 4935.86 3145.32432 140232.95
3 9/13/2022 8081.19 5042.80 3038.38068 135190.15
4 10/13/2022 8081.19 5152.07 2929.11991 130038.08
5 11/12/2022 8081.19 5263.69 2817.49184 124774.39
6 12/12/2022 8081.19 5377.74 2703.44515 119396.65
7 1/11/2023 8081.19 5494.26 2586.92745 113902.39
8 2/10/2023 8081.19 5613.30 2467.8852 108289.09
9 3/12/2023 8081.19 5734.92 2346.26371 102554.17
10 4/11/2023 8081.19 5859.18 2222.00708 96694.99
11 5/11/2023 8081.19 5986.13 2095.05822 90708.87
12 6/10/2023 8081.19 6115.83 1965.35881 84593.04
13 7/10/2023 8081.19 6248.34 1832.84924 78344.71
14 8/9/2023 8081.19 6383.72 1697.46863 71960.99
15 9/8/2023 8081.19 6522.03 1559.15478 65438.96
16 10/8/2023 8081.19 6663.34 1417.84412 58775.62
17 11/7/2023 8081.19 6807.71 1273.47173 51967.91
18 12/7/2023 8081.19 6955.21 1125.97128 45012.69
19 1/6/2024 8081.19 7105.91 975.274979 37906.78
20 2/5/2024 8081.19 7259.87 821.313594 30646.91
21 3/6/2024 8081.19 7417.17 664.01638 23229.74
22 4/5/2024 8081.19 7577.87 503.311058 15651.87
23 5/5/2024 8081.19 7742.06 339.123789 7909.81
24 6/4/2024 8081.19 7909.81 171.379128 0.00
s, aplicando una TNA
servicio de la deuda.

FRC= 8081.18504
En años cronológicos

P= 150000
TNA= 0.26
n= 24
TEM= 0.02167
TED= 0.000715

Años
FECHA N días Días acum. FSA PRÉSTAMO CUOTA
k
0 6/15/2022 150000
1 7/15/2022 30.00 30.00 0.978793 8111.34
2 8/15/2022 31.00 61.00 0.957351 8111.34
3 9/15/2022 31.00 92.00 0.936379 8111.34
4 10/15/2022 30.00 122.00 0.916521 8111.34
5 11/15/2022 31.00 153.00 0.896444 8111.34
6 12/15/2022 30.00 183.00 0.877433 8111.34
7 1/15/2023 31.00 214.00 0.858211 8111.34
8 2/15/2023 31.00 245.00 0.839411 8111.34
9 3/15/2023 28.00 273.00 0.822784 8111.34
10 4/15/2023 31.00 304.00 0.804760 8111.34
11 5/15/2023 30.00 334.00 0.787694 8111.34
12 6/15/2023 31.00 365.00 0.770438 8111.34
13 7/15/2023 30.00 395.00 0.754099 8111.34
14 8/15/2023 31.00 426.00 0.737580 8111.34
15 9/15/2023 31.00 457.00 0.721422 8111.34
16 10/15/2023 30.00 487.00 0.706123 8111.34
17 11/15/2023 31.00 518.00 0.690654 8111.34
18 12/15/2023 30.00 548.00 0.676007 8111.34
19 1/15/2024 31.00 579.00 0.661199 8111.34
20 2/15/2024 31.00 610.00 0.646714 8111.34
21 3/15/2024 29.00 639.00 0.633452 8111.34
22 4/15/2024 31.00 670.00 0.619575 8111.34
23 5/15/2024 30.00 700.00 0.606436 8111.34
24 6/15/2024 31.00 731.00 0.593151 8111.34
18.492631 194672.13
 FRC= 8081.18504

AMORT. INTERÉS SALDO

150000
4861.34 3250 145138.66
4860.68 3250.65868 140277.98
4969.54 3141.79442 135308.44
5179.66 2931.68279 130128.78
5196.86 2914.48361 124931.93
5404.48 2706.85838 119527.44
5434.29 2677.04637 114093.15
5556.00 2555.33496 108537.15
5918.05 2193.28923 102619.10
5812.99 2298.35153 96806.11
6013.87 2097.46574 90792.24
6077.87 2033.4663 84714.37
6275.86 1835.47792 78438.50
6354.56 1756.78075 72083.95
6496.88 1614.45823 65587.07
6690.29 1421.05309 58896.78
6792.23 1319.10635 52104.55
6982.41 1128.93186 45122.14
7100.74 1010.59688 38021.40
7259.78 851.562141 30761.62
7467.28 644.054137 23294.34
7589.62 521.721355 15704.72
7771.07 340.268923 7933.65
7933.65 177.689298 0.00
150000.00 44672.133
A) En el ejercicio anterior si las cuotas son iguales y con pagos cada 15 de mes. Hallar el monto de las cuotas

P= 150000
TNA= 0.26
n= 24
TEM= 0.02167 0.00072469196717
TED= 0.000715

TEA= 0.293334
TNA CORR.= 0.26361111111111 TNAC=((1+TEA)^1/12-1)*(12)*365/360
TPD= 0.00072222222222

Años
FECHA N días Días acum. FSA PRÉSTAMO
k
0 6/15/2022 150000
1 7/15/2022 30.00 30.00 0.978793
2 8/15/2022 31.00 61.00 0.957351
3 9/15/2022 31.00 92.00 0.936379
4 10/15/2022 30.00 122.00 0.916521
5 11/15/2022 31.00 153.00 0.896444
6 12/15/2022 30.00 183.00 0.877433
7 1/15/2023 31.00 214.00 0.858211
8 2/15/2023 31.00 245.00 0.839411
9 3/15/2023 28.00 273.00 0.822784
10 4/15/2023 31.00 304.00 0.804760
11 5/15/2023 30.00 334.00 0.787694
12 6/15/2023 31.00 365.00 0.770438
13 7/15/2023 30.00 395.00 0.754099
14 8/15/2023 31.00 426.00 0.737580
15 9/15/2023 31.00 457.00 0.721422
16 10/15/2023 30.00 487.00 0.706123
17 11/15/2023 31.00 518.00 0.690654
18 12/15/2023 30.00 548.00 0.676007
19 1/15/2024 31.00 579.00 0.661199
20 2/15/2024 31.00 610.00 0.646714
21 3/15/2024 29.00 639.00 0.633452
22 4/15/2024 31.00 670.00 0.619575
23 5/15/2024 30.00 700.00 0.606436
24 6/15/2024 31.00 731.00 0.593151
18.492631
r el monto de las cuotas

CUOTA AMORT. INTERÉS SALDO

150000
8111.34 4861.34 3250.00000 145138.66
8111.34 4861.85 3249.49336 140276.82
8111.34 4970.70 3140.64204 135306.12
8111.34 5179.71 2931.63257 130126.41
8111.34 5197.95 2913.38579 124928.46
8111.34 5404.56 2706.78329 119523.90
8111.34 5435.33 2676.00740 114088.57
8111.34 5557.02 2554.31637 108531.55
8111.34 5916.59 2194.74912 102614.96
8111.34 5813.90 2297.43494 96801.06
8111.34 6013.98 2097.35622 90787.07
8111.34 6078.72 2032.62170 84708.36
8111.34 6275.99 1835.34772 78432.37
8111.34 6355.33 1756.01351 72077.04
8111.34 6497.61 1613.72484 65579.43
8111.34 6690.45 1420.88756 58888.97
8111.34 6792.88 1318.45871 52096.09
8111.34 6982.59 1128.74871 45113.50
8111.34 7101.30 1010.04123 38012.21
8111.34 7260.29 851.05107 30751.92
8111.34 7467.26 644.08185 23284.66
8111.34 7590.02 521.31770 15694.64
8111.34 7771.29 340.05054 7923.35
8111.34 7923.35 187.98505 0.00
194672.13 150000.00 ###