PRESTAMOS Y AMORTIZACIONES

Monto: S/. 950,000.00

TEA: 24%
Frec.Periodo: Mensual
N° Periodos: 12
Método Francés
N° Cuota Deuda Interés
0
1 S/. 950,000.00 S/. 17,183.20
2 S/. 878,403.32 S/. 15,888.19
3 S/. 805,511.63 S/. 14,569.76
4 S/. 731,301.50 S/. 13,227.48
5 S/. 655,749.09 S/. 11,860.92
6 S/. 578,830.13 S/. 10,469.64
7 S/. 500,519.88 S/. 9,053.19
8 S/. 420,793.19 S/. 7,611.13
9 S/. 339,624.44 S/. 6,142.99
10 S/. 256,987.54 S/. 4,648.28
11 S/. 172,855.94 S/. 3,126.55
12 S/. 87,202.60 S/. 1,577.28
TOTAL: S/. 115,358.61

Las cuotas son constantes

 Cuota = Amortizació
Tasa Efectiva Mensual: 1.8088% 1.8088%

Cuota Fija: S/.88,779.88 S/.88,779.88

Método Francés FUNCIONES FINA
Cuota Amortización Saldo Deuda Función PAGO:
S/. 950,000.00
S/.88,779.88 S/.71,596.68 S/. 878,403.32
S/.88,779.88 S/.72,891.69 S/. 805,511.63 Función PAGOINT:
S/.88,779.88 S/.74,210.13 S/. 731,301.50 Periodo 2:
S/.88,779.88 S/.75,552.41 S/. 655,749.09 Periodo 7:
S/.88,779.88 S/.76,918.97 S/. 578,830.13
S/.88,779.88 S/.78,310.25 S/. 500,519.88 Función PAGOPRIN:
S/.88,779.88 S/.79,726.69 S/. 420,793.19 Periodo 2:
S/.88,779.88 S/.81,168.75 S/. 339,624.44 Periodo 7:
S/.88,779.88 S/.82,636.90 S/. 256,987.54
S/.88,779.88 S/.84,131.60 S/. 172,855.94 Función PAGO
S/.88,779.88 S/.85,653.34 S/. 87,202.60 Del 3 al 6:
S/.88,779.88 S/.87,202.60 S/. 0.00 Del 2 al 7:
S/. 1,065,358.61 S/. 950,000.00
Función PAGO.
Del 3 al 6:
Del 2 al 7:

Función TASA:

Función NPER:
uota = Amortización + Interés

UNCIONES FINANCIERAS
Función PAGO: =PAGO(Tasainterés; nper;va;[vf];[tipo])
S/88,779.88

Función PAGOINT:
S/15,888.19
S/9,053.19

unción PAGOPRIN:
S/72,891.69
S/79,726.69

Función PAGO.INT.ENTRE:
S/50,127.79 S/. 50,127.79
S/75,069.17 S/.75,069.17

Función PAGO.PRINC.ENTRE:
S/304,991.75 S/.304,991.75
S/457,610.13 S/.457,610.13

Función TASA:
1.8088% =TASA(nper;pago;va;[vf];[tipo];[estimar]

Función NPER:
12.00 =NPER(tasa;pago;va;[vf];[tipo])
 PRESTAMOS Y AMORTIZACIONES
Monto: S/. 950,000.00
TEA: 24% Tasa Efectiva Mensual:
Frec.Periodo: Mensual
N° Periodos: 20 Cuota Fija:
Método Francés
N° Cuota Deuda Interés Cuota
0
1 S/. 950,000.00 S/. 17,183.20 S/.57,032.18
2 S/. 910,151.03 S/. 16,462.43 S/.57,032.18
3 S/. 869,581.28 S/. 15,728.62 S/.57,032.18
4 S/. 828,277.73 S/. 14,981.54 S/.57,032.18
5 S/. 786,227.09 S/. 14,220.95 S/.57,032.18
6 S/. 743,415.86 S/. 13,446.60 S/.57,032.18
7 S/. 699,830.28 S/. 12,658.24 S/.57,032.18
8 S/. 655,456.34 S/. 11,855.62 S/.57,032.18
9 S/. 610,279.78 S/. 11,038.49 S/.57,032.18
10 S/. 564,286.09 S/. 10,206.57 S/.57,032.18
11 S/. 517,460.49 S/. 9,359.61 S/.57,032.18
12 S/. 469,787.92 S/. 8,497.33 S/.57,032.18
13 S/. 421,253.07 S/. 7,619.45 S/.57,032.18
14 S/. 371,840.34 S/. 6,725.69 S/.57,032.18
15 S/. 321,533.86 S/. 5,815.77 S/.57,032.18
16 S/. 270,317.45 S/. 4,889.39 S/.57,032.18
17 S/. 218,174.66 S/. 3,946.25 S/.57,032.18
18 S/. 165,088.74 S/. 2,986.06 S/.57,032.18
19 S/. 111,042.62 S/. 2,008.49 S/.57,032.18
20 S/. 56,018.93 S/. 1,013.25 S/.57,032.18
21 S/.57,032.18
22 S/.57,032.18
23 S/.57,032.18
24 S/.57,032.18
25 S/.57,032.18
26 S/.57,032.18
27 S/.57,032.18
28 S/.57,032.18
29 S/.57,032.18
30 S/.57,032.18
31 S/.57,032.18
32 S/.57,032.18
33 S/.57,032.18
34 S/.57,032.18
35 S/.57,032.18
36 S/.57,032.18
TOTAL: S/. 155,639.20 S/. 684,386.13

Las cuotas son constantes

 1.8088% 1.8088%

S/.57,032.18 S/.57,032.18

Amortización Saldo Deuda

S/. 950,000.00
S/.39,848.97 S/. 910,151.03
S/.40,569.75 S/. 869,581.28
S/.41,303.55 S/. 828,277.73
S/.42,050.64 S/. 786,227.09
S/.42,811.23 S/. 743,415.86
S/.43,585.58 S/. 699,830.28
S/.44,373.94 S/. 655,456.34
S/.45,176.56 S/. 610,279.78
S/.45,993.69 S/. 564,286.09
S/.46,825.61 S/. 517,460.49
S/.47,672.57 S/. 469,787.92
S/.48,534.85 S/. 421,253.07
S/.49,412.73 S/. 371,840.34
S/.50,306.48 S/. 321,533.86
S/.51,216.41 S/. 270,317.45
S/.52,142.79 S/. 218,174.66
S/.53,085.93 S/. 165,088.74
S/.54,046.12 S/. 111,042.62
S/.55,023.68 S/. 56,018.93
S/.56,018.93 S/. 0.00

S/. 528,746.93
 PRESTAMOS Y AMORTIZACIONES
Monto: S/. 950,000.00
TEA: 24% Tasa Efectiva Mensual:
Frec.Periodo: Mensual
N° Periodos: 12 Amortización Fija:
Método Alemán
N° Cuota Deuda Interés Cuota
0
1 S/. 950,000.00 S/. 17,183.20 S/.96,349.87
2 S/. 870,833.33 S/. 15,751.27 S/.94,917.94
3 S/. 791,666.67 S/. 14,319.34 S/.93,486.00
4 S/. 712,500.00 S/. 12,887.40 S/.92,054.07
5 S/. 633,333.33 S/. 11,455.47 S/.90,622.14
6 S/. 554,166.67 S/. 10,023.54 S/.89,190.20
7 S/. 475,000.00 S/. 8,591.60 S/.87,758.27
8 S/. 395,833.33 S/. 7,159.67 S/.86,326.33
9 S/. 316,666.67 S/. 5,727.73 S/.84,894.40
10 S/. 237,500.00 S/. 4,295.80 S/.83,462.47
11 S/. 158,333.33 S/. 2,863.87 S/.82,030.53
12 S/. 79,166.67 S/. 1,431.93 S/.80,598.60
TOTAL: S/.111,690.82 S/. 1,061,690.82

Las amortizaciones son constantes

 1.8088% (1+TEA)*(1/12)-1

S/.79,166.67 =P/n

Amortización Saldo Deuda

S/. 950,000.00
S/.79,166.67 S/. 870,833.33
S/.79,166.67 S/. 791,666.67
S/.79,166.67 S/. 712,500.00
S/.79,166.67 S/. 633,333.33
S/.79,166.67 S/. 554,166.67
S/.79,166.67 S/. 475,000.00
S/.79,166.67 S/. 395,833.33
S/.79,166.67 S/. 316,666.67
S/.79,166.67 S/. 237,500.00
S/.79,166.67 S/. 158,333.33
S/.79,166.67 S/. 79,166.67
S/.79,166.67 S/. -
S/.950,000.00
 PRESTAMOS Y AMORTIZACIONES
Monto: S/. 950,000.00
TEA: 24% Tasa Efectiva Mensual:
Frec.Periodo: Mensual
N° Periodos: 12
Método Americano
N° Cuota Deuda Interés Cuota
0
1 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
2 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
3 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
4 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
5 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
6 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
7 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
8 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
9 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
10 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
11 S/. 950,000.00 S/. 15,211.400 S/.15,211.40
12 S/. 950,000.00 S/. 15,211.400 S/.965,211.40
TOTAL: S/. 182,536.80 S/. 1,132,536.80

* En todos los periodos a excepción del último se paga únicamente los intereses
* En el ultimo periodo se paga todo el capital y interés de dicho periodo.
 1.60%

Amortización Saldo Deuda

S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.0.00 S/. 950,000.00
S/.950,000.00 S/. -
S/. 950,000.00

nicamente los intereses

s de dicho periodo.
 PRESTAMOS Y AMORTIZACIONES
Monto: S/. 950,000.00
TEA: 24% Tasa Efectiva Mensual:
Frec.Periodo: Mensual
N° Periodos: 12
Método Suma de Dígitos (Investigación)
N° Cuota Deuda Interés Cuota
0
1 S/. 950,000.00 S/. 17,183.20 S/.29,362.69
2 S/. 937,820.51 S/. 16,962.91 S/.41,321.88
3 S/. 913,461.54 S/. 16,522.31 S/.53,060.77
4 S/. 876,923.08 S/. 15,861.42 S/.64,579.37
5 S/. 828,205.13 S/. 14,980.23 S/.75,877.66
6 S/. 767,307.69 S/. 13,878.74 S/.86,955.66
7 S/. 694,230.77 S/. 12,556.96 S/.97,813.37
8 S/. 608,974.36 S/. 11,014.87 S/.108,450.77
9 S/. 511,538.46 S/. 9,252.49 S/.118,867.88
10 S/. 401,923.08 S/. 7,269.82 S/.129,064.69
11 S/. 280,128.21 S/. 5,066.84 S/.139,041.20
12 S/. 146,153.85 S/. 2,643.57 S/.148,797.42
TOTAL: S/. 143,193.36 S/. 1,093,193.36

Características:
 1.8088% suma de digitos

suma de digitos (10)=1+2+3+4+5+…12

Investigación)
Amortización Saldo Deuda
S/. 950,000.00 SD (12) 78
S/.12,179.49 S/. 937,820.51
S/.24,358.97 S/. 913,461.54
S/.36,538.46 S/. 876,923.08
S/.48,717.95 S/. 828,205.13
S/.60,897.44 S/. 767,307.69
S/.73,076.92 S/. 694,230.77
S/.85,256.41 S/. 608,974.36
S/.97,435.90 S/. 511,538.46
S/.109,615.38 S/. 401,923.08
S/.121,794.87 S/. 280,128.21
S/.133,974.36 S/. 146,153.85
S/.146,153.85 S/. -
S/. 950,000.00
os (10)=1+2+3+4+5+…12

factor
0.0128205
0.025641
0.0384615
0.0512821
0.0641026
0.0769231
0.0897436
0.1025641
0.1153846
0.1282051
0.1410256
0.1538462
1.0000000