¿Cuál es el plazo ideal para pagar un préstamo?

Ricardo Calderón Magaña - ca

Valor del préstamo 20,000,000 Un préstamo de $20 millones deberá pagarse en 12

Tasa de interés 1.35% cuotas fijas mensuales liquidando intereses a una tasa de
Plazo (meses) 12 1,35% mensual.
¿Cómo cambian las cuotas para diferentes plazos?
Cuota mensual 1,816,511

PLAN DE PAGO Suma Cuotas 21,798,127

Mes Saldo Inicial Intereses Abono a Capital Cuota Saldo Final
1 20,000,000 270,000 1,546,511 1,816,511 18,453,489
2 18,453,489 249,122 1,567,388 1,816,511 16,886,101
3 16,886,101 227,962 1,588,548 1,816,511 15,297,553
4 15,297,553 206,517 1,609,994 1,816,511 13,687,559
5 13,687,559 184,782 1,631,729 1,816,511 12,055,831
6 12,055,831 162,754 1,653,757 1,816,511 10,402,074
7 10,402,074 140,428 1,676,083 1,816,511 8,725,991
8 8,725,991 117,801 1,698,710 1,816,511 7,027,281
9 7,027,281 94,868 1,721,642 1,816,511 5,305,639
10 5,305,639 71,626 1,744,884 1,816,511 3,560,755
11 3,560,755 48,070 1,768,440 1,816,511 1,792,314
12 1,792,314 24,196 1,792,314 1,816,511 0
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 Ricardo Calderón Magaña - calderonricardo@gmail.com

deberá pagarse en 12
o intereses a una tasa del
sual.
ara diferentes plazos?
¿Cuál es el plazo ideal para pagar un préstamo?

Valor del préstamo 20,000,000

Tasa de interés 1.35%
Plazo (meses) 24
Cuota mensual 981,175

PLAN DE PAGO Suma Cuotas 23,548,189

Mes Saldo Inicial Intereses Abono a Capital Cuota Saldo Final
1 20,000,000 270,000 711,175 981,175 19,288,825
2 19,288,825 260,399 720,775 981,175 18,568,050
3 18,568,050 250,669 730,506 981,175 17,837,544
4 17,837,544 240,807 740,368 981,175 17,097,177
5 17,097,177 230,812 750,363 981,175 16,346,814
6 16,346,814 220,682 760,493 981,175 15,586,321
7 15,586,321 210,415 770,759 981,175 14,815,562
8 14,815,562 200,010 781,164 981,175 14,034,398
9 14,034,398 189,464 791,710 981,175 13,242,688
10 13,242,688 178,776 802,398 981,175 12,440,289
11 12,440,289 167,944 813,231 981,175 11,627,059
12 11,627,059 156,965 824,209 981,175 10,802,850
13 10,802,850 145,838 835,336 981,175 9,967,513
14 9,967,513 134,561 846,613 981,175 9,120,900
15 9,120,900 123,132 858,042 981,175 8,262,858
16 8,262,858 111,549 869,626 981,175 7,393,232
17 7,393,232 99,809 881,366 981,175 6,511,866
18 6,511,866 87,910 893,264 981,175 5,618,602
19 5,618,602 75,851 905,323 981,175 4,713,278
20 4,713,278 63,629 917,545 981,175 3,795,733
21 3,795,733 51,242 929,932 981,175 2,865,801
22 2,865,801 38,688 942,486 981,175 1,923,315
23 1,923,315 25,965 955,210 981,175 968,105
24 968,105 13,069 968,105 981,175 0
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¿Cuál es el plazo ideal para pagar un préstamo?

Valor del préstamo 40,000,000

Tasa de interés 2.60%
Plazo (meses) 36
Cuota mensual 1,724,460

PLAN DE PAGO Suma Cuotas 62,080,566

Mes Saldo Inicial Intereses Abono a Capital Cuota Saldo Final
1 40,000,000 1,040,000 684,460 1,724,460 39,315,540
2 39,315,540 1,022,204 702,256 1,724,460 38,613,284
3 38,613,284 1,003,945 720,515 1,724,460 37,892,769
4 37,892,769 985,212 739,248 1,724,460 37,153,521
5 37,153,521 965,992 758,469 1,724,460 36,395,052
6 36,395,052 946,271 778,189 1,724,460 35,616,863
7 35,616,863 926,038 798,422 1,724,460 34,818,442
8 34,818,442 905,279 819,181 1,724,460 33,999,261
9 33,999,261 883,981 840,479 1,724,460 33,158,781
10 33,158,781 862,128 862,332 1,724,460 32,296,450
11 32,296,450 839,708 884,752 1,724,460 31,411,697
12 31,411,697 816,704 907,756 1,724,460 30,503,941
13 30,503,941 793,102 931,358 1,724,460 29,572,583
14 29,572,583 768,887 955,573 1,724,460 28,617,010
15 28,617,010 744,042 980,418 1,724,460 27,636,593
16 27,636,593 718,551 1,005,909 1,724,460 26,630,684
17 26,630,684 692,398 1,032,062 1,724,460 25,598,621
18 25,598,621 665,564 1,058,896 1,724,460 24,539,725
19 24,539,725 638,033 1,086,427 1,724,460 23,453,298
20 23,453,298 609,786 1,114,674 1,724,460 22,338,624
21 22,338,624 580,804 1,143,656 1,724,460 21,194,968
22 21,194,968 551,069 1,173,391 1,724,460 20,021,577
23 20,021,577 520,561 1,203,899 1,724,460 18,817,678
24 18,817,678 489,260 1,235,201 1,724,460 17,582,477
25 17,582,477 457,144 1,267,316 1,724,460 16,315,161
26 16,315,161 424,194 1,300,266 1,724,460 15,014,895
27 15,014,895 390,387 1,334,073 1,724,460 13,680,822
28 13,680,822 355,701 1,368,759 1,724,460 12,312,064
29 12,312,064 320,114 1,404,347 1,724,460 10,907,717
30 10,907,717 283,601 1,440,860 1,724,460 9,466,857
31 9,466,857 246,138 1,478,322 1,724,460 7,988,536
32 7,988,536 207,702 1,516,758 1,724,460 6,471,777
33 6,471,777 168,266 1,556,194 1,724,460 4,915,583
34 4,915,583 127,805 1,596,655 1,724,460 3,318,928
35 3,318,928 86,292 1,638,168 1,724,460 1,680,760
36 1,680,760 43,700 1,680,760 1,724,460 0
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¿Cuál es el plazo ideal para pagar un préstamo? Ricardo Calderón Magaña - ca

Valor del préstamo 20,000,000

Tasa de interés 1.35%
Plazo (meses) 48
Cuota mensual 568,856

PLAN DE PAGO Suma Cuotas 27,305,103

Mes Saldo Inicial Intereses Abono a Capital Cuota Saldo Final
1 20,000,000 270,000 298,856 568,856 19,701,144
2 19,701,144 265,965 302,891 568,856 19,398,253
3 19,398,253 261,876 306,980 568,856 19,091,273
4 19,091,273 257,732 311,124 568,856 18,780,149
5 18,780,149 253,532 315,324 568,856 18,464,824
6 18,464,824 249,275 319,581 568,856 18,145,243
7 18,145,243 244,961 323,896 568,856 17,821,348
8 17,821,348 240,588 328,268 568,856 17,493,080
9 17,493,080 236,157 332,700 568,856 17,160,380
10 17,160,380 231,665 337,191 568,856 16,823,189
11 16,823,189 227,113 341,743 568,856 16,481,445
12 16,481,445 222,500 346,357 568,856 16,135,089
13 16,135,089 217,824 351,033 568,856 15,784,056
14 15,784,056 213,085 355,772 568,856 15,428,284
15 15,428,284 208,282 360,574 568,856 15,067,710
16 15,067,710 203,414 365,442 568,856 14,702,268
17 14,702,268 198,481 370,376 568,856 14,331,892
18 14,331,892 193,481 375,376 568,856 13,956,516
19 13,956,516 188,413 380,443 568,856 13,576,073
20 13,576,073 183,277 385,579 568,856 13,190,494
21 13,190,494 178,072 390,785 568,856 12,799,709
22 12,799,709 172,796 396,060 568,856 12,403,649
23 12,403,649 167,449 401,407 568,856 12,002,242
24 12,002,242 162,030 406,826 568,856 11,595,416
25 11,595,416 156,538 412,318 568,856 11,183,097
26 11,183,097 150,972 417,885 568,856 10,765,213
27 10,765,213 145,330 423,526 568,856 10,341,687
28 10,341,687 139,613 429,244 568,856 9,912,443
29 9,912,443 133,818 435,038 568,856 9,477,405
30 9,477,405 127,945 440,911 568,856 9,036,494
31 9,036,494 121,993 446,864 568,856 8,589,630
32 8,589,630 115,960 452,896 568,856 8,136,734
33 8,136,734 109,846 459,010 568,856 7,677,723
34 7,677,723 103,649 465,207 568,856 7,212,516
35 7,212,516 97,369 471,487 568,856 6,741,029
36 6,741,029 91,004 477,852 568,856 6,263,176
37 6,263,176 84,553 484,303 568,856 5,778,873
38 5,778,873 78,015 490,842 568,856 5,288,032
39 5,288,032 71,388 497,468 568,856 4,790,564
40 4,790,564 64,673 504,184 568,856 4,286,380
41 4,286,380 57,866 510,990 568,856 3,775,390
42 3,775,390 50,968 517,889 568,856 3,257,501
43 3,257,501 43,976 524,880 568,856 2,732,621
44 2,732,621 36,890 531,966 568,856 2,200,655
45 2,200,655 29,709 539,147 568,856 1,661,508
46 1,661,508 22,430 546,426 568,856 1,115,082
47 1,115,082 15,054 553,803 568,856 561,279
48 561,279 7,577 561,279 568,856 0
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Ricardo Calderón Magaña - calderonricardo@gmail.com
¿Cuál es el plazo ideal para pagar un préstamo?

Valor del préstamo 20,000,000

Tasa de interés 1.35%
Plazo (meses) 60
Cuota mensual 488,489

PLAN DE PAGO Suma Cuotas 29,309,342

Mes Saldo Inicial Intereses Abono a Capital Cuota Saldo Final
1 20,000,000 270,000 218,489 488,489 19,781,511
2 19,781,511 267,050 221,439 488,489 19,560,072
3 19,560,072 264,061 224,428 488,489 19,335,644
4 19,335,644 261,031 227,458 488,489 19,108,186
5 19,108,186 257,961 230,529 488,489 18,877,658
6 18,877,658 254,848 233,641 488,489 18,644,017
7 18,644,017 251,694 236,795 488,489 18,407,223
8 18,407,223 248,498 239,992 488,489 18,167,231
9 18,167,231 245,258 243,231 488,489 17,924,000
10 17,924,000 241,974 246,515 488,489 17,677,485
11 17,677,485 238,646 249,843 488,489 17,427,642
12 17,427,642 235,273 253,216 488,489 17,174,426
13 17,174,426 231,855 256,634 488,489 16,917,791
14 16,917,791 228,390 260,099 488,489 16,657,693
15 16,657,693 224,879 263,610 488,489 16,394,082
16 16,394,082 221,320 267,169 488,489 16,126,913
17 16,126,913 217,713 270,776 488,489 15,856,138
18 15,856,138 214,058 274,431 488,489 15,581,707
19 15,581,707 210,353 278,136 488,489 15,303,571
20 15,303,571 206,598 281,891 488,489 15,021,680
21 15,021,680 202,793 285,696 488,489 14,735,983
22 14,735,983 198,936 289,553 488,489 14,446,430
23 14,446,430 195,027 293,462 488,489 14,152,968
24 14,152,968 191,065 297,424 488,489 13,855,544
25 13,855,544 187,050 301,439 488,489 13,554,105
26 13,554,105 182,980 305,509 488,489 13,248,596
27 13,248,596 178,856 309,633 488,489 12,938,963
28 12,938,963 174,676 313,813 488,489 12,625,150
29 12,625,150 170,440 318,049 488,489 12,307,101
30 12,307,101 166,146 322,343 488,489 11,984,758
31 11,984,758 161,794 326,695 488,489 11,658,063
32 11,658,063 157,384 331,105 488,489 11,326,958
33 11,326,958 152,914 335,575 488,489 10,991,382
34 10,991,382 148,384 340,105 488,489 10,651,277
35 10,651,277 143,792 344,697 488,489 10,306,580
36 10,306,580 139,139 349,350 488,489 9,957,230
37 9,957,230 134,423 354,066 488,489 9,603,164
38 9,603,164 129,643 358,846 488,489 9,244,317
39 9,244,317 124,798 363,691 488,489 8,880,627
40 8,880,627 119,888 368,601 488,489 8,512,026
41 8,512,026 114,912 373,577 488,489 8,138,449
42 8,138,449 109,869 378,620 488,489 7,759,829
43 7,759,829 104,758 383,731 488,489 7,376,098
44 7,376,098 99,577 388,912 488,489 6,987,186
45 6,987,186 94,327 394,162 488,489 6,593,024
46 6,593,024 89,006 399,483 488,489 6,193,541
47 6,193,541 83,613 404,876 488,489 5,788,665
48 5,788,665 78,147 410,342 488,489 5,378,323
49 5,378,323 72,607 415,882 488,489 4,962,441
50 4,962,441 66,993 421,496 488,489 4,540,945
51 4,540,945 61,303 427,186 488,489 4,113,759
52 4,113,759 55,536 432,953 488,489 3,680,806
53 3,680,806 49,691 438,798 488,489 3,242,008
54 3,242,008 43,767 444,722 488,489 2,797,286
55 2,797,286 37,763 450,726 488,489 2,346,560
56 2,346,560 31,679 456,810 488,489 1,889,749
57 1,889,749 25,512 462,977 488,489 1,426,772
58 1,426,772 19,261 469,228 488,489 957,544
59 957,544 12,927 475,562 488,489 481,982
60 481,982 6,507 481,982 488,489 0
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