AMORTIZACIÓN

VP= Valor actual o valor de préstamo

n= número de pagos
i= tasa de interés mensual
1. Ejercicio
Se otorga un préstamo de $ 40 000,
para 3 años con una tasa de interés
de 20% anual
Datos Amortización
VP = $ 40 000
Amortización
n= 3x12 = 36
i = (20%)/12=1,67%
interes

n ( meses o Amortización Interés

pagos)
0
1 $ 1,111.11 $667
2 $ 1,111.11 $648.15
3 $ 1,111.11 $629.63
4 $ 1,111.11 $611.11
5 $ 1,111.11 $592.59
6 $ 1,111.11 $574.07
7 $ 1,111.11 $555.56
8 $ 1,111.11 $537.04
9 $ 1,111.11 $518.52
10 $ 1,111.11 $500.00
11 $ 1,111.11 $481.48
12 $ 1,111.11 $462.96
13 $ 1,111.11 $444.44
14 $ 1,111.11 $425.93
15 $ 1,111.11 $407.41
16 $ 1,111.11 $388.89
17 $ 1,111.11 $370.37
18 $ 1,111.11 $351.85
19 $ 1,111.11 $333.33
20 $ 1,111.11 $314.81
21 $ 1,111.11 $296.30
22 $ 1,111.11 $277.78
23 $ 1,111.11 $259.26
24 $ 1,111.11 $240.74
25 $ 1,111.11 $222.22
26 $ 1,111.11 $203.70
27 $ 1,111.11 $185.19
28 $ 1,111.11 $166.67
29 $ 1,111.11 $148.15
30 $ 1,111.11 $129.63
31 $ 1,111.11
32 $ 1,111.11
33 $ 1,111.11
34 $ 1,111.11
35 $ 1,111.11
36 $ 1,111.11
Valor presente/ numero de pagos

$ 1,111.11

1.67% 1.67% 1.67% 1.67% 1.67% 1.67%

1.67%
1.67%

Abono/ Saldo
Cuota insoluto 1.67%
$40,000 1.67%
$ 1,777.78 $38,888.89 1.67%
$ 1,759.26 $37,777.78 1.67%
$1,740.74 $36,666.67 1.67%
$1,722.22 $35,555.56 1.67%
$1,703.70 $34,444.44 1.67%
$1,685.19 $33,333.33 1.67%
$1,666.67 $32,222.22 1.67%
$1,648.15 $31,111.11 1.67%
$1,629.63 $30,000.00 1.67%
$1,611.11 $28,888.89 1.67%
$1,592.59 $27,777.78 1.67%
$1,574.07 $26,666.67 1.67%
$1,555.56 $25,555.56 1.67%
$1,537.04 $24,444.44 1.67%
$1,518.52 $23,333.33 1.67%
$1,500.00 $22,222.22 1.67%
$1,481.48 $21,111.11 1.67%
$1,462.96 $20,000.00 1.67%
$1,444.44 $18,888.89 1.67%
$1,425.93 $17,777.78 1.67%
$1,407.41 $16,666.67 1.67%
$1,388.89 $15,555.56 1.67%
$1,370.37 $14,444.44 1.67%
$1,351.85 $13,333.33 1.67%
$1,333.33 $12,222.22 1.67%
$1,314.81 $11,111.11 1.67%
$1,296.30 $10,000.00 1.67%
$1,277.78 $8,888.89
$1,259.26 $7,777.78
$1,240.74 $6,666.67