TABLA DE AMORTIZACIÓN DE DEUDA BANCARIA

MÉTODO DE ANUALIDAD VENCIDA

SALDO MONTO
MES INTERESES ABONO A CAPITAL
DEUDOR A PAGAR
1 125,500,000.00 1,694,250.00 9,707,170.86 11,401,420.86
2 115,792,829.14 1,563,203.19 9,838,217.67 11,401,420.86
3 105,954,611.47 1,430,387.25 9,971,033.61 11,401,420.86
4 95,983,577.86 1,295,778.30 10,105,642.56 11,401,420.86
5 85,877,935.30 1,159,352.13 10,242,068.73 11,401,420.86
6 75,635,866.57 1,021,084.20 10,380,336.66 11,401,420.86
7 65,255,529.91 880,949.65 10,520,471.21 11,401,420.86
8 54,735,058.70 738,923.29 10,662,497.57 11,401,420.86
9 44,072,561.13 594,979.58 10,806,441.28 11,401,420.86
10 33,266,119.85 449,092.62 10,952,328.24 11,401,420.86
11 22,313,791.61 301,236.19 11,100,184.67 11,401,420.86
12 11,213,606.94 151,383.69 11,213,606.94 11,364,990.63
11,280,620.09 125,500,000.00 136,780,620.09
TOTALES
136,780,620.09 -

TASA EFECTIVA
8.99%
INTERESES / CAPITAL
CAPITAL 125,500,000.00
TASA ACTIVA 16.20%
CUOTA 12

1.- TASA
Fórmula para el cálculo de
las anualidades vencidas

2.- VALOR PRESENTE

3.- INTERES MENSUAL = TASA / CUOTA
4.- FACTOR = 1 + i
5.- FACTOR ELEVANDO A LA CUOTA
6.- 1 / FACTOR ELEVANDO A LA CUOTA
7.- 1 - 1 / FACTOR ELEVANDO A LA CUOTA
8.- (1 - 1 / FACTOR ELEVANDO A LA CUOTA) / i
9.- VALOR PRESENTE / (1 - 1 / FACTOR ELEVANDO A LA CUOTA) / i
 16.20% 0.162
125,500,000.00
0,162/12 0.0135
1 + 0,0135 1.0135
1,0135^12 1.1746
1 / 1,1746 0.8514
1 - 0,8514 0.1486

0,1486 / i 11.0074
125500000 / 11,0074 11,401,420.86