4

N° CUOTAS DEUDA
1 15000.00
2 14199.44
3 13336.56
4 12406.51
5 11404.04
6 10323.54
7 9158.92
8 7903.63
9 6550.62
10 5092.27
11 3520.40
12 1826.15
0.00
 3 2 1
AMORTIZACION INTERES CUOTA
800.56 1167.76 1968.31
862.88 1105.43 1968.31
930.06 1038.26 1968.31
1002.46 965.85 1968.31
1080.50 887.81 1968.31 P= 15000
1164.62 803.69 1968.31 TEA= 34,9690%
1255.29 713.03 1968.31 FRECUENCIA DE PAGO 12 TR
1353.01 615.30 1968.31
1458.35 509.97 1968.31 TE = ((1+TE)^(a/b))-1)*100
1571.88 396.44 1968.31
1694.25 274.06 1968.31
1826.15 142.17 1968.31

FRC= TEP/1-(1+TEP)^-t

FRC=

CUOTA = FRC*PRESTAMO
CUOTA =
P= 15000
EA= 34,9690%
RECUENCIA DE PAGO 12 TRIMESTRES

E = ((1+TE)^(a/b))-1)*100

0.077850450
7.78504504073543 TEP

RC= TEP/1-(1+TEP)^-t

0.1312209125

CUOTA = FRC*PRESTAMO
1,968.3136873849
tem= 0.014246 tep sd
1 10000
frc= 0.208628 2 8056.1775
3 6084.6638
cuota= 2086.28 4 4085.0644
5 2056.9791

TEP= ((1+te)^(a/b)-1)*100 Tasa efectiva del per

TN= ((1+TN/n)^n)*100

12% TRIMESTRAL
BIMESTRAL FRECU

TEB=((1+0,12)^(2/3))

12% SEMESTRAL
SEMANAL FREC.PA

TESEMANAL=((1+0,
 cuota intereses amortización portes seguro
2086.28 142.4575 1943.822516 9.5 9.08
2086.28 114.7663 1971.513723 9.5 9.08
2086.28 86.6806 1999.599411 9.5 9.08
2086.28 58.1948 2028.085201 9.5 9.08
2086.28 29.3032 2056.976793 9.5 9.08

efectiva del período(TEP)

TRIMESTRAL
STRAL FRECUENCIA DE PAGOS

=((1+0,12)^(2/3))-1

SEMESTRAL 12% TRIMESTRAL

ANAL FREC.PAGOS QUINCENAL FREC.

EMANAL=((1+0,12)^(1/26))-1 TEQ=((1+0,12)^(1/6
 cuota efectiva
2104.86
2104.86
2104.86
2104.86
2104.86

RIMESTRAL
CENAL FREC.PAGOS

(1+0,12)^(1/6))-1
PRÉTAMO= 15000
PLAZO A PAGAR= 12 BIMESTRES
TEA=34,9690
BIMESTRES TEP=((1+0,349690)^(1/6))-1
0.0512491840
TEP=((1+0,0512)^(6))
0.11362
1704.33
TEP=((1+0,0512)^(6))-1
0.349690
Ejemplo 1
Prestamo = 45,000
Plazo = 02 años
Calculo tasa efectiva mensual Forma de pago = mensual
0.00986358 TEA = 12.5%
Calculo cuota 02 primeras cuotas con gracia parcial
2285.43728
FRC 0.0507875 saldo cuota interes amortizacion
50,000.00
1 45,000.00 443.86 443.86 0.00
2 45,000.00 443.86 443.86 0.00
3 45,000.00 2,285.44 443.86 1,841.58
4 43,158.42 2,285.44 425.70 1,859.74
5 41,298.68 2,285.44 407.35 1,878.08
6 39,420.60 2,285.44 388.83 1,896.61
7 37,523.99 2,285.44 370.12 1,915.32
8 35,608.67 2,285.44 351.23 1,934.21
9 33,674.47 2,285.44 332.15 1,953.29
10 31,721.18 2,285.44 312.88 1,972.55
11 29,748.63 2,285.44 293.43 1,992.01
12 27,756.62 2,285.44 273.78 2,011.66
13 25,744.96 2,285.44 253.94 2,031.50
14 23,713.46 2,285.44 233.90 2,051.54
15 21,661.92 2,285.44 213.66 2,071.77
16 19,590.15 2,285.44 193.23 2,092.21
17 17,497.94 2,285.44 172.59 2,112.84
18 15,385.09 2,285.44 151.75 2,133.69
19 13,251.41 2,285.44 130.71 2,154.73
20 11,096.68 2,285.44 109.45 2,175.98
21 8,920.69 2,285.44 87.99 2,197.45
22 6,723.25 2,285.44 66.32 2,219.12
23 4,504.13 2,285.44 44.43 2,241.01
24 2,263.11 2,285.44 22.32 2,263.11

0.00 51,167.34 6,167.34 45,000.00

 Prestamo = 45,000
Plazo = 02 años
Forma de pago = bimestral
TEsemestral = 10.5%
03 primeras cuotas con gracia parcial
TEB 0.03384181
mortizacion FRC 0.13074517 saldo cuota
CUOTA 5883.53245 50,000.00
se calcula los intereses y se 1 45,000.00 1,522.88
convierten en la cuota 2 45,000.00 1,522.88
cuando termina el período de gracia,se calcúla la cuota 3 45,000.00 1,522.88
43,140.26 4 45,000.00 5,883.53
5 40,639.35 5,883.53
6 36,131.12 5,883.53
7 31,470.33 5,883.53
8 26,651.82 5,883.53
9 21,670.23 5,883.53
10 16,520.06 5,883.53
11 11,195.59 5,883.53
12 5,690.94 5,883.53
 TEP= (1+TE)^(a/b)-1

= bimestral
= 10.5%
uotas con gracia parcial

interes amortizacion
1,522.88 0.00
1,522.88 0.00
1,522.88 0.00
1,522.88 4,360.65
1,375.31 4,508.22
1,222.74 4,660.79
1,065.01 4,818.52
901.95 4,981.59
733.36 5,150.17
559.07 5,324.46
378.88 5,504.65
192.59 5,690.94