M= $ 3,800,000.00 -$ 760,000.00 $ 3,040,000.

00
i= 9-60% Capitalizable mensual R= Mi
n= 15 años 180 1-(1+i)-n

180
R= $ 3,040,000.00
1-(1+0.008)-180

R= $ 31,928.12

Período Pago Interés Amortizaciones Saldo

0 $ 3,040,000.00
1 $ 31,928.12 $ 24,320.00 $ 7,608.12 $ 3,032,391.88
2 $ 31,928.12 $ 24,259.14 $ 7,668.99 $ 3,024,722.89
3 $ 31,928.12 $ 24,197.78 $ 7,730.34 $ 3,016,992.54
4 $ 31,928.12 $ 24,135.94 $ 7,792.18 $ 3,009,200.36
5 $ 31,928.12 $ 24,073.60 $ 7,854.52 $ 3,001,345.84
6 $ 31,928.12 $ 24,010.77 $ 7,917.36 $ 2,993,428.48
1
7 $ 31,928.12 $ 23,947.43 $ 7,980.70 $ 2,985,447.78
8 $ 31,928.12 $ 23,883.58 $ 8,044.54 $ 2,977,403.24
9 $ 31,928.12 $ 23,819.23 $ 8,108.90 $ 2,969,294.34
10 $ 31,928.12 $ 23,754.35 $ 8,173.77 $ 2,961,120.57
11 $ 31,928.12 $ 23,688.96 $ 8,239.16 $ 2,952,881.41
12 $ 31,928.12 $ 23,623.05 $ 8,305.07 $ 2,944,576.34
13 $ 31,928.12 $ 23,556.61 $ 8,371.51 $ 2,936,204.82
14 $ 31,928.12 $ 23,489.64 $ 8,438.49 $ 2,927,766.34
15 $ 31,928.12 $ 23,422.13 $ 8,505.99 $ 2,919,260.34
16 $ 31,928.12 $ 23,354.08 $ 8,574.04 $ 2,910,686.30
17 $ 31,928.12 $ 23,285.49 $ 8,642.63 $ 2,902,043.66
18 $ 31,928.12 $ 23,216.35 $ 8,711.78 $ 2,893,331.89
2
19 $ 31,928.12 $ 23,146.66 $ 8,781.47 $ 2,884,550.42
20 $ 31,928.12 $ 23,076.40 $ 8,851.72 $ 2,875,698.70
21 $ 31,928.12 $ 23,005.59 $ 8,922.54 $ 2,866,776.16
22 $ 31,928.12 $ 22,934.21 $ 8,993.92 $ 2,857,782.25
23 $ 31,928.12 $ 22,862.26 $ 9,065.87 $ 2,848,716.38
24 $ 31,928.12 $ 22,789.73 $ 9,138.39 $ 2,839,577.99
25 $ 31,928.12 $ 22,716.62 $ 9,211.50 $ 2,830,366.48
26 $ 31,928.12 $ 22,642.93 $ 9,285.19 $ 2,821,081.29
27 $ 31,928.12 $ 22,568.65 $ 9,359.47 $ 2,811,721.82
28 $ 31,928.12 $ 22,493.77 $ 9,434.35 $ 2,802,287.47
29 $ 31,928.12 $ 22,418.30 $ 9,509.83 $ 2,792,777.64
30 $ 31,928.12 $ 22,342.22 $ 9,585.90 $ 2,783,191.74
3
31 $ 31,928.12 $ 22,265.53 $ 9,662.59 $ 2,773,529.15
32 $ 31,928.12 $ 22,188.23 $ 9,739.89 $ 2,763,789.25
33 $ 31,928.12 $ 22,110.31 $ 9,817.81 $ 2,753,971.44
34 $ 31,928.12 $ 22,031.77 $ 9,896.35 $ 2,744,075.09
35 $ 31,928.12 $ 21,952.60 $ 9,975.52 $ 2,734,099.57
36 $ 31,928.12 $ 21,872.80 $ 10,055.33 $ 2,724,044.24
37 $ 31,928.12 $ 21,792.35 $ 10,135.77 $ 2,713,908.47
38 $ 31,928.12 $ 21,711.27 $ 10,216.86 $ 2,703,691.61
39 $ 31,928.12 $ 21,629.53 $ 10,298.59 $ 2,693,393.02

4
 Período Pago Interés Amortizaciones Saldo
40 $ 31,928.12 $ 21,547.14 $ 10,380.98 $ 2,683,012.04
41 $ 31,928.12 $ 21,464.10 $ 10,464.03 $ 2,672,548.01
42 $ 31,928.12 $ 21,380.38 $ 10,547.74 $ 2,662,000.27
4
43 $ 31,928.12 $ 21,296.00 $ 10,632.12 $ 2,651,368.14
44 $ 31,928.12 $ 21,210.95 $ 10,717.18 $ 2,640,650.96
45 $ 31,928.12 $ 21,125.21 $ 10,802.92 $ 2,629,848.05
46 $ 31,928.12 $ 21,038.78 $ 10,889.34 $ 2,618,958.71
47 $ 31,928.12 $ 20,951.67 $ 10,976.46 $ 2,607,982.25
48 $ 31,928.12 $ 20,863.86 $ 11,064.27 $ 2,596,917.99
49 $ 31,928.12 $ 20,775.34 $ 11,152.78 $ 2,585,765.20
50 $ 31,928.12 $ 20,686.12 $ 11,242.00 $ 2,574,523.20
51 $ 31,928.12 $ 20,596.19 $ 11,331.94 $ 2,563,191.26
52 $ 31,928.12 $ 20,505.53 $ 11,422.59 $ 2,551,768.67
53 $ 31,928.12 $ 20,414.15 $ 11,513.98 $ 2,540,254.69
54 $ 31,928.12 $ 20,322.04 $ 11,606.09 $ 2,528,648.60
5
55 $ 31,928.12 $ 20,229.19 $ 11,698.94 $ 2,516,949.67
56 $ 31,928.12 $ 20,135.60 $ 11,792.53 $ 2,505,157.14
57 $ 31,928.12 $ 20,041.26 $ 11,886.87 $ 2,493,270.27
58 $ 31,928.12 $ 19,946.16 $ 11,981.96 $ 2,481,288.31
59 $ 31,928.12 $ 19,850.31 $ 12,077.82 $ 2,469,210.49
60 $ 31,928.12 $ 19,753.68 $ 12,174.44 $ 2,457,036.05
61 $ 31,928.12 $ 19,656.29 $ 12,271.84 $ 2,444,764.21
62 $ 31,928.12 $ 19,558.11 $ 12,370.01 $ 2,432,394.20
63 $ 31,928.12 $ 19,459.15 $ 12,468.97 $ 2,419,925.23
64 $ 31,928.12 $ 19,359.40 $ 12,568.72 $ 2,407,356.51
65 $ 31,928.12 $ 19,258.85 $ 12,669.27 $ 2,394,687.24
66 $ 31,928.12 $ 19,157.50 $ 12,770.63 $ 2,381,916.61
6
67 $ 31,928.12 $ 19,055.33 $ 12,872.79 $ 2,369,043.82
68 $ 31,928.12 $ 18,952.35 $ 12,975.77 $ 2,356,068.04
69 $ 31,928.12 $ 18,848.54 $ 13,079.58 $ 2,342,988.46
70 $ 31,928.12 $ 18,743.91 $ 13,184.22 $ 2,329,804.24
71 $ 31,928.12 $ 18,638.43 $ 13,289.69 $ 2,316,514.55
72 $ 31,928.12 $ 18,532.12 $ 13,396.01 $ 2,303,118.54
73 $ 31,928.12 $ 18,424.95 $ 13,503.18 $ 2,289,615.37
74 $ 31,928.12 $ 18,316.92 $ 13,611.20 $ 2,276,004.17
75 $ 31,928.12 $ 18,208.03 $ 13,720.09 $ 2,262,284.07
76 $ 31,928.12 $ 18,098.27 $ 13,829.85 $ 2,248,454.22
77 $ 31,928.12 $ 17,987.63 $ 13,940.49 $ 2,234,513.73
78 $ 31,928.12 $ 17,876.11 $ 14,052.02 $ 2,220,461.72
7
79 $ 31,928.12 $ 17,763.69 $ 14,164.43 $ 2,206,297.28
80 $ 31,928.12 $ 17,650.38 $ 14,277.75 $ 2,192,019.54
81 $ 31,928.12 $ 17,536.16 $ 14,391.97 $ 2,177,627.57
82 $ 31,928.12 $ 17,421.02 $ 14,507.10 $ 2,163,120.47
83 $ 31,928.12 $ 17,304.96 $ 14,623.16 $ 2,148,497.30
84 $ 31,928.12 $ 17,187.98 $ 14,740.15 $ 2,133,757.16
85 $ 31,928.12 $ 17,070.06 $ 14,858.07 $ 2,118,899.09
86 $ 31,928.12 $ 16,951.19 $ 14,976.93 $ 2,103,922.16
87 $ 31,928.12 $ 16,831.38 $ 15,096.75 $ 2,088,825.41
88 $ 31,928.12 $ 16,710.60 $ 15,217.52 $ 2,073,607.89
89 $ 31,928.12 $ 16,588.86 $ 15,339.26 $ 2,058,268.63
90 $ 31,928.12 $ 16,466.15 $ 15,461.98 $ 2,042,806.65
8
91 $ 31,928.12 $ 16,342.45 $ 15,585.67 $ 2,027,220.98
8
Período Pago Interés Amortizaciones Saldo
92 $ 31,928.12 $ 16,217.77 $ 15,710.36 $ 2,011,510.62
93 $ 31,928.12 $ 16,092.08 $ 15,836.04 $ 1,995,674.58
94 $ 31,928.12 $ 15,965.40 $ 15,962.73 $ 1,979,711.85
95 $ 31,928.12 $ 15,837.69 $ 16,090.43 $ 1,963,621.42
96 $ 31,928.12 $ 15,708.97 $ 16,219.15 $ 1,947,402.27
97 $ 31,928.12 $ 15,579.22 $ 16,348.91 $ 1,931,053.36
98 $ 31,928.12 $ 15,448.43 $ 16,479.70 $ 1,914,573.67
99 $ 31,928.12 $ 15,316.59 $ 16,611.54 $ 1,897,962.13
100 $ 31,928.12 $ 15,183.70 $ 16,744.43 $ 1,881,217.70
101 $ 31,928.12 $ 15,049.74 $ 16,878.38 $ 1,864,339.32
102 $ 31,928.12 $ 14,914.71 $ 17,013.41 $ 1,847,325.91
9
103 $ 31,928.12 $ 14,778.61 $ 17,149.52 $ 1,830,176.39
104 $ 31,928.12 $ 14,641.41 $ 17,286.71 $ 1,812,889.68
105 $ 31,928.12 $ 14,503.12 $ 17,425.01 $ 1,795,464.67
106 $ 31,928.12 $ 14,363.72 $ 17,564.41 $ 1,777,900.26
107 $ 31,928.12 $ 14,223.20 $ 17,704.92 $ 1,760,195.34
108 $ 31,928.12 $ 14,081.56 $ 17,846.56 $ 1,742,348.78
109 $ 31,928.12 $ 13,938.79 $ 17,989.33 $ 1,724,359.44
110 $ 31,928.12 $ 13,794.88 $ 18,133.25 $ 1,706,226.19
111 $ 31,928.12 $ 13,649.81 $ 18,278.32 $ 1,687,947.88
112 $ 31,928.12 $ 13,503.58 $ 18,424.54 $ 1,669,523.34
113 $ 31,928.12 $ 13,356.19 $ 18,571.94 $ 1,650,951.40
114 $ 31,928.12 $ 13,207.61 $ 18,720.51 $ 1,632,230.88
10
115 $ 31,928.12 $ 13,057.85 $ 18,870.28 $ 1,613,360.61
116 $ 31,928.12 $ 12,906.88 $ 19,021.24 $ 1,594,339.37
117 $ 31,928.12 $ 12,754.71 $ 19,173.41 $ 1,575,165.96
118 $ 31,928.12 $ 12,601.33 $ 19,326.80 $ 1,555,839.16
119 $ 31,928.12 $ 12,446.71 $ 19,481.41 $ 1,536,357.75
120 $ 31,928.12 $ 12,290.86 $ 19,637.26 $ 1,516,720.48
121 $ 31,928.12 $ 12,133.76 $ 19,794.36 $ 1,496,926.12
122 $ 31,928.12 $ 11,975.41 $ 19,952.72 $ 1,476,973.41
123 $ 31,928.12 $ 11,815.79 $ 20,112.34 $ 1,456,861.07
124 $ 31,928.12 $ 11,654.89 $ 20,273.24 $ 1,436,587.83
125 $ 31,928.12 $ 11,492.70 $ 20,435.42 $ 1,416,152.41
126 $ 31,928.12 $ 11,329.22 $ 20,598.91 $ 1,395,553.50
11
127 $ 31,928.12 $ 11,164.43 $ 20,763.70 $ 1,374,789.81
128 $ 31,928.12 $ 10,998.32 $ 20,929.81 $ 1,353,860.00
129 $ 31,928.12 $ 10,830.88 $ 21,097.24 $ 1,332,762.76
130 $ 31,928.12 $ 10,662.10 $ 21,266.02 $ 1,311,496.73
131 $ 31,928.12 $ 10,491.97 $ 21,436.15 $ 1,290,060.58
132 $ 31,928.12 $ 10,320.48 $ 21,607.64 $ 1,268,452.94
133 $ 31,928.12 $ 10,147.62 $ 21,780.50 $ 1,246,672.44
134 $ 31,928.12 $ 9,973.38 $ 21,954.75 $ 1,224,717.70
135 $ 31,928.12 $ 9,797.74 $ 22,130.38 $ 1,202,587.31
136 $ 31,928.12 $ 9,620.70 $ 22,307.43 $ 1,180,279.89
137 $ 31,928.12 $ 9,442.24 $ 22,485.89 $ 1,157,794.00
138 $ 31,928.12 $ 9,262.35 $ 22,665.77 $ 1,135,128.23
12
139 $ 31,928.12 $ 9,081.03 $ 22,847.10 $ 1,112,281.13
140 $ 31,928.12 $ 8,898.25 $ 23,029.88 $ 1,089,251.25
141 $ 31,928.12 $ 8,714.01 $ 23,214.11 $ 1,066,037.14
142 $ 31,928.12 $ 8,528.30 $ 23,399.83 $ 1,042,637.31
143 $ 31,928.12 $ 8,341.10 $ 23,587.03 $ 1,019,050.28
12

Período Pago Interés Amortizaciones Saldo

144 $ 31,928.12 $ 8,152.40 $ 23,775.72 $ 995,274.56
145 $ 31,928.12 $ 7,962.20 $ 23,965.93 $ 971,308.63
146 $ 31,928.12 $ 7,770.47 $ 24,157.66 $ 947,150.98
147 $ 31,928.12 $ 7,577.21 $ 24,350.92 $ 922,800.06
148 $ 31,928.12 $ 7,382.40 $ 24,545.72 $ 898,254.33
149 $ 31,928.12 $ 7,186.03 $ 24,742.09 $ 873,512.24
150 $ 31,928.12 $ 6,988.10 $ 24,940.03 $ 848,572.22
13
151 $ 31,928.12 $ 6,788.58 $ 25,139.55 $ 823,432.67
152 $ 31,928.12 $ 6,587.46 $ 25,340.66 $ 798,092.01
153 $ 31,928.12 $ 6,384.74 $ 25,543.39 $ 772,548.62
154 $ 31,928.12 $ 6,180.39 $ 25,747.74 $ 746,800.88
155 $ 31,928.12 $ 5,974.41 $ 25,953.72 $ 720,847.16
156 $ 31,928.12 $ 5,766.78 $ 26,161.35 $ 694,685.82
157 $ 31,928.12 $ 5,557.49 $ 26,370.64 $ 668,315.18
158 $ 31,928.12 $ 5,346.52 $ 26,581.60 $ 641,733.57
159 $ 31,928.12 $ 5,133.87 $ 26,794.26 $ 614,939.32
160 $ 31,928.12 $ 4,919.51 $ 27,008.61 $ 587,930.71
161 $ 31,928.12 $ 4,703.45 $ 27,224.68 $ 560,706.03
162 $ 31,928.12 $ 4,485.65 $ 27,442.48 $ 533,263.55
14
163 $ 31,928.12 $ 4,266.11 $ 27,662.02 $ 505,601.54
164 $ 31,928.12 $ 4,044.81 $ 27,883.31 $ 477,718.22
165 $ 31,928.12 $ 3,821.75 $ 28,106.38 $ 449,611.84
166 $ 31,928.12 $ 3,596.89 $ 28,331.23 $ 421,280.61
167 $ 31,928.12 $ 3,370.24 $ 28,557.88 $ 392,722.73
168 $ 31,928.12 $ 3,141.78 $ 28,786.34 $ 363,936.39
169 $ 31,928.12 $ 2,911.49 $ 29,016.63 $ 334,919.76
170 $ 31,928.12 $ 2,679.36 $ 29,248.77 $ 305,670.99
171 $ 31,928.12 $ 2,445.37 $ 29,482.76 $ 276,188.23
172 $ 31,928.12 $ 2,209.51 $ 29,718.62 $ 246,469.61
173 $ 31,928.12 $ 1,971.76 $ 29,956.37 $ 216,513.25
174 $ 31,928.12 $ 1,732.11 $ 30,196.02 $ 186,317.23
15
175 $ 31,928.12 $ 1,490.54 $ 30,437.59 $ 155,879.64
176 $ 31,928.12 $ 1,247.04 $ 30,681.09 $ 125,198.55
177 $ 31,928.12 $ 1,001.59 $ 30,926.54 $ 94,272.02
178 $ 31,928.12 $ 754.18 $ 31,173.95 $ 63,098.07
179 $ 31,928.12 $ 504.78 $ 31,423.34 $ 31,674.73
180 $ 31,928.12 $ 253.40 $ 31,674.73 -$ 0.00
 0.008
1-(1+0.008) -180
M= $ 275,000.00 $ 68,750.00 $ 2,750.00 1718.75
i= 2%
n= 2
Abono= $ 68,750.00

M= $ 275,000.00 $ 68,750.00
i= 0.125
n= 2
Abono= $ 68,750.00

Período Renta Pago Interés IVA Pago

$ 275,000.00
1 $ 68,750.00 $ 2,750.00 $ 440.00 $ 71,940.00 $ 206,250.00
2 $ 68,750.00 $ 2,750.00 $ 440.00 $ 71,940.00 $ 137,500.00
3 $ 68,750.00 $ 1,718.75 $ 275.00 $ 70,743.75 $ 68,750.00
4 $ 68,750.00 $ 1,718.75 $ 275.00 $ 70,743.75 $ -
 Interés del 15% 1.25
5
0.05

Saldo despues del

Período Saldo Pago Interés IVA
pago
1 $ 8,000,000.00 $ 2,000,000.00 $ 6,000,000.00 $ 300,000.00 $ 48,000.00
2 $ 6,348,000.00 $ 2,000,000.00 $ 4,348,000.00 $ 217,400.00 $ 34,784.00
3 $ 4,600,184.00 $ 1,500,000.00 $ 3,100,184.00 $ 155,009.20 $ 24,801.47
4 $ 3,279,994.67 $ 1,500,000.00 $ 1,779,994.67 $ 88,999.73 $ 14,239.96
 Restante

$ 6,348,000.00
$ 4,600,184.00
$ 3,279,994.67
$ 1,883,234.36