Documentos de Académico
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la siguiente forma: un
mensuales iguales. Si la
30% capitalizable mens
Con
Monto/préstamo
N° períodos
Tasa Efectiva
Cuota Fija
N°
0
1
2
3
4
5
6
Ejemplo: Se realiza un p
tasa del 18% EA. Calcula
Monto/préstamo
N° períodos
Tasa Efectiva
Cuota Fija
N°
0
1
2
3
4
5
6
7
8
9
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
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
Ejemplo: Un electrodoméstico que vale de contado $5.000.000 se financia de Ejemplo: Se tiene una deud
la siguiente forma: una cuota inicial de $500.000 y el saldo en 6 cuotas cancelada en un plazo de u
mensuales iguales. Si la tasa de interés de financiación que se cobra es del capitalización mensual. Calcu
30% capitalizable mensualmente, calcular el valor de la cuotas mensuales. la ta
Construya la tabla de amortización.
TABLA DE AMORTIZACIÓN
Monto/préstamo $50,000,000
N° períodos 60 cuotas mensuales
Tasa Efectiva 1.3888% TEM
Cuota Fija $1,233,670.08
TABLA
Cuota fija Intereses Abono Saldo final Monto/préstamo
$50,000,000.00 N° períodos
$1,233,670.08 $694,421.52 $539,248.56 $49,460,751.44 Tasa Efectiva
$1,233,670.08 $686,932.20 $546,737.88 $48,914,013.56 Cuota Fija
$1,233,670.08 $679,338.87 $554,331.21 $48,359,682.35
$1,233,670.08 $671,640.08 $562,030.00 $47,797,652.36 N°
$1,233,670.08 $663,834.37 $569,835.71 $47,227,816.64 0
$1,233,670.08 $655,920.24 $577,749.84 $46,650,066.81 1
$1,233,670.08 $647,896.20 $585,773.87 $46,064,292.93 2
$1,233,670.08 $639,760.72 $593,909.35 $45,470,383.58 3
$1,233,670.08 $631,512.26 $602,157.82 $44,868,225.75 4
$1,233,670.08 $623,149.23 $610,520.85 $44,257,704.90 5
$1,233,670.08 $614,670.05 $619,000.03 $43,638,704.88 6
$1,233,670.08 $606,073.11 $627,596.97 $43,011,107.91
$1,233,670.08 $597,356.78 $636,313.30 $42,374,794.61
$1,233,670.08 $588,519.38 $645,150.70 $41,729,643.91
$1,233,670.08 $579,559.25 $654,110.83 $41,075,533.09
$1,233,670.08 $570,474.68 $663,195.40 $40,412,337.69
$1,233,670.08 $561,263.94 $672,406.14 $39,739,931.55
$1,233,670.08 $551,925.27 $681,744.81 $39,058,186.74
$1,233,670.08 $542,456.91 $691,213.17 $38,366,973.57
$1,233,670.08 $532,857.04 $700,813.04 $37,666,160.53
$1,233,670.08 $523,123.85 $710,546.23 $36,955,614.30
$1,233,670.08 $513,255.48 $720,414.60 $36,235,199.69
$1,233,670.08 $503,250.05 $730,420.03 $35,504,779.66
$1,233,670.08 $493,105.66 $740,564.42 $34,764,215.24
$1,233,670.08 $482,820.38 $750,849.70 $34,013,365.55
$1,233,670.08 $472,392.26 $761,277.82 $33,252,087.73
$1,233,670.08 $461,819.30 $771,850.77 $32,480,236.95
$1,233,670.08 $451,099.51 $782,570.57 $31,697,666.38
$1,233,670.08 $440,230.83 $793,439.25 $30,904,227.14
$1,233,670.08 $429,211.21 $804,458.87 $30,099,768.26
$1,233,670.08 $418,038.54 $815,631.54 $29,284,136.72
$1,233,670.08 $406,710.69 $826,959.39 $28,457,177.34
$1,233,670.08 $395,225.53 $838,444.55 $27,618,732.78
$1,233,670.08 $383,580.85 $850,089.23 $26,768,643.55
$1,233,670.08 $371,774.44 $861,895.64 $25,906,747.91
$1,233,670.08 $359,804.06 $873,866.01 $25,032,881.90
$1,233,670.08 $347,667.44 $886,002.64 $24,146,879.26
$1,233,670.08 $335,362.25 $898,307.83 $23,248,571.43
$1,233,670.08 $322,886.16 $910,783.91 $22,337,787.52
$1,233,670.08 $310,236.81 $923,433.27 $21,414,354.24
$1,233,670.08 $297,411.77 $936,258.31 $20,478,095.93
$1,233,670.08 $284,408.61 $949,261.47 $19,528,834.46
$1,233,670.08 $271,224.86 $962,445.22 $18,566,389.24
$1,233,670.08 $257,858.00 $975,812.07 $17,590,577.17
$1,233,670.08 $244,305.51 $989,364.57 $16,601,212.59
$1,233,670.08 $230,564.78 $1,003,105.29 $15,598,107.30
$1,233,670.08 $216,633.23 $1,017,036.85 $14,581,070.45
$1,233,670.08 $202,508.18 $1,031,161.90 $13,549,908.55
$1,233,670.08 $188,186.96 $1,045,483.12 $12,504,425.43
$1,233,670.08 $173,666.84 $1,060,003.24 $11,444,422.20
$1,233,670.08 $158,945.06 $1,074,725.02 $10,369,697.18
$1,233,670.08 $144,018.82 $1,089,651.26 $9,280,045.92
$1,233,670.08 $128,885.27 $1,104,784.81 $8,175,261.11
$1,233,670.08 $113,541.54 $1,120,128.53 $7,055,132.58
$1,233,670.08 $97,984.72 $1,135,685.36 $5,919,447.21
$1,233,670.08 $82,211.83 $1,151,458.25 $4,767,988.97
$1,233,670.08 $66,219.88 $1,167,450.20 $3,600,538.77
$1,233,670.08 $50,005.83 $1,183,664.25 $2,416,874.52
$1,233,670.08 $33,566.59 $1,200,103.49 $1,216,771.04
$1,233,670.08 $16,899.04 $1,216,771.04 $0.00
Ejemplo: Se tiene una deuda por valor de $1.000.000, la cual debe ser
cancelada en un plazo de un año, con un interés del 31,2% anual con
capitalización mensual. Calcular el valor de la cuotas mensuales. Construya
la tabla de amortización.
TABLA DE AMORTIZACIÓN
Monto/préstamo $1,000,000
N° períodos 12 Cuotas mensuales
Tasa Efectiva 2.6000% TEM
Cuota Fija $98,078.34
TABLA DE AMORTIZACIÓN
Monto/préstamo $10,000,000
N° períodos 6
Tasa Efectiva 6.0000%
Cuota Fija $2,033,626.28
TABLA DE AMORTIZACIÓN
TABLA DE AMORTIZACIÓN
Monto/préstamo $10,000,000.00
N° períodos 12 cuotas mensuales
Tasa Efectiva Mensual 2.0% TEM
Cuota Mensual $866,333.06
Cuota Extraordinaria $500,000.00
TABLA DE AMORTIZACIÓN
a. Durante el período de gracia los intereses causados se pagan b. Los intereses ca
periódicamente
Monto/préstamo $20,000,000.00
N° períodos 4 cuotas trimestrales
asa Efectiva Mensual 9.0% TET
eríodo de Gracia 2 trimestres = 6 meses
TABLA DE AMORTIZACIÓN
Con intereses vencidos
TABLA DE AMORTIZACIÓN
Con intereses anticipados
Monto/préstamo $100,000,000.00
N° períodos 4 cuotas trimestrales
Tasa Efectiva 9.0% TETAnticipada
Abono $25,000,000.00