CRONOGRAMA DE PAGOS

1 Método Francés
2 Método Francés con Excel
3 Método Francés con periodo de Gracia Parcial
4 Método Francés con periodo de Gracia Total
5 Ejercicios propuestos
 MÉTODO FRANCÉS

Préstamo 12,000
Moneda Dólares
Número de cuotas 12
Periodo de pago mensual
TEA 40.0000%
TEM 2.8436156%
Cuota $1,194.32

DESARROLLO

2.8436%
= 28.5714%

FRC= 9.9527%
CUOTA= FRC X PRÉSTAMO
CUOTA= $ 1,194.32

Periodo Amortización Interés Cuota Saldo

0
1 0.00
2 0.00
3 0.00
4 0.00
5 0.00
6 0.00
7 0.00
8 0.00
9 0.00
10 0.00
11 0.00
12 0.00 -
Totales 0.00 0.00 0.00
TODO FRANCÉS

2.8436%

Periodo Amortización Interés Cuota Saldo

0 12,000.00
1 853.08 341.23 1,194.32 11,146.92
2 877.34 316.98 1,194.32 10,269.57
3 902.29 292.03 1,194.32 9,367.28
4 927.95 266.37 1,194.32 8,439.33
5 954.34 239.98 1,194.32 7,485.00
6 981.47 212.84 1,194.32 6,503.52
7 1,009.38 184.94 1,194.32 5,494.14
8 1,038.09 156.23 1,194.32 4,456.05
9 1,067.61 126.71 1,194.32 3,388.45
10 1,097.96 96.35 1,194.32 2,290.48
11 1,129.19 65.13 1,194.32 1,161.30
12 1,161.30 33.02 1,194.32 -
Totales 12,000.00 2,331.82 14,331.82
 CUOTAS CONSTANTES O FIJAS CON EXCEL

Préstamo 25,000
Moneda Dólares
Número de cuotas 12
Periodo de pago mensual
TEA 35.0000%
TEM 2.532406%
Cuota 8995.48

DESARROLLO

= 2.5324%
25.9259%

FRC= 9.7679%
CUOTA= FRC * DEUDA
CUOTA= 2,441.96

Periodo Amortización Interés Cuota Saldo Período

0 0
1 1
2 2
3 3
4 4
5 5
6 6
7 7
8 8
9 9
10 10
11 11
12 12
Totales - - - Totales
O FIJAS CON EXCEL

2.5324%

Amortización Interés Cuota Saldo

25,000.00
1,808.86 633.10 2,441.96 23,191.14
1,854.67 587.29 2,441.96 21,336.47
1,901.64 540.33 2,441.96 19,434.83
1,949.79 492.17 2,441.96 17,485.04
1,999.17 442.79 2,441.96 15,485.87
2,049.80 392.17 2,441.96 13,436.07
2,101.71 340.26 2,441.96 11,334.36
2,154.93 287.03 2,441.96 9,179.43
2,209.50 232.46 2,441.96 6,969.93
2,265.46 176.51 2,441.96 4,704.48
2,322.83 119.14 2,441.96 2,381.65
2,381.65 60.31 2,441.96 -
25,000.00 4,303.55 29,303.55
 CUOTAS CONSTANTES O FIJAS CON EXCEL

Préstamo 17,500.00
Moneda Nuevos soles
Número de cuotas 18
Periodo de pago mensual
TEA 32.65%
TEM 2.3825%
Cuota 1,206.91

= 2.3825%
34.5456%

FRC= 6.8966%
CUOTA= 1,206.91
EXCEL FINANCIERO

Periodo Amortización Interés Cuota Saldo

0 17,500.00
1 S/.789.97 S/.416.93 S/.1,206.91 16,710.03
2 S/.808.79 S/.398.11 S/.1,206.91 15,901.23
3 S/.828.06 S/.378.84 S/.1,206.91 15,073.17
4 S/.847.79 S/.359.11 S/.1,206.91 14,225.38
5 S/.867.99 S/.338.92 S/.1,206.91 13,357.39
6 S/.888.67 S/.318.24 S/.1,206.91 12,468.72
7 S/.909.84 S/.297.06 S/.1,206.91 11,558.87
8 S/.931.52 S/.275.39 S/.1,206.91 10,627.36
9 S/.953.71 S/.253.19 S/.1,206.91 9,673.64
10 S/.976.43 S/.230.47 S/.1,206.91 8,697.21
11 S/.999.70 S/.207.21 S/.1,206.91 7,697.51
12 S/.1,023.51 S/.183.39 S/.1,206.91 6,674.00
13 S/.1,047.90 S/.159.01 S/.1,206.91 5,626.10
14 S/.1,072.87 S/.134.04 S/.1,206.91 4,553.23
15 S/.1,098.43 S/.108.48 S/.1,206.91 3,454.81
16 S/.1,124.60 S/.82.31 S/.1,206.91 2,330.21
17 S/.1,151.39 S/.55.52 S/.1,206.91 1,178.82
18 S/.1,178.82 S/.28.09 S/.1,206.91 0.00
Totales 17,500.00 4,224.30 21,724.30
ANTES O FIJAS CON EXCEL FINANCIERO

Préstamo 17,500.00
Moneda Nuevos soles
Número de cuotas 18
Periodo de pago mensual
TEA 32.65%
TEM 2.3825%
Cuota 1,206.91

= 2.3825%
34.5456%

FRC= 6.8966%
CUOTA= 1,206.91
EXCEL FINANCIERO
Amortización Cuota
Periodo Interés =PAGOINT() Saldo
=PAGOPRIN() = PAGO()
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Totales
 CUOTAS CONSTANTES O FIJAS CON EXCEL FINANCIE

Préstamo 40,000.00
Moneda Nuevos soles
Número de cuotas 36
Periodo de pago mensual
TEA 29.00%
TEM 2.1447%
EXCEL FINANCIERO
Amortización Cuota =
Periodo Interés =PAGOINT() Saldo
=PAGOPRIN() PAGO()
0 40,000.00
1 S/748.13 S/857.88 S/1,606.01 39,251.87
2 S/764.18 S/841.83 S/1,606.01 38,487.69
3 S/780.57 S/825.44 S/1,606.01 37,707.12
4 S/797.31 S/808.70 S/1,606.01 36,909.81
5 S/814.41 S/791.60 S/1,606.01 36,095.40
6 S/831.88 S/774.14 S/1,606.01 35,263.52
7 S/849.72 S/756.29 S/1,606.01 34,413.81
8 S/867.94 S/738.07 S/1,606.01 33,545.86
9 S/886.56 S/719.46 S/1,606.01 32,659.31
10 S/905.57 S/700.44 S/1,606.01 31,753.74
11 S/924.99 S/681.02 S/1,606.01 30,828.75
12 S/944.83 S/661.18 S/1,606.01 29,883.92
13 S/965.09 S/640.92 S/1,606.01 28,918.82
14 S/985.79 S/620.22 S/1,606.01 27,933.03
15 S/1,006.93 S/599.08 S/1,606.01 26,926.10
16 S/1,028.53 S/577.48 S/1,606.01 25,897.57
17 S/1,050.59 S/555.42 S/1,606.01 24,846.98
18 S/1,073.12 S/532.89 S/1,606.01 23,773.86
19 S/1,096.14 S/509.88 S/1,606.01 22,677.73
20 S/1,119.64 S/486.37 S/1,606.01 21,558.08
21 S/1,143.66 S/462.35 S/1,606.01 20,414.43
22 S/1,168.18 S/437.83 S/1,606.01 19,246.24
23 S/1,193.24 S/412.77 S/1,606.01 18,053.00
24 S/1,218.83 S/387.18 S/1,606.01 16,834.17
25 S/1,244.97 S/361.04 S/1,606.01 15,589.20
26 S/1,271.67 S/334.34 S/1,606.01 14,317.53
27 S/1,298.94 S/307.07 S/1,606.01 13,018.59
28 S/1,326.80 S/279.21 S/1,606.01 11,691.78
29 S/1,355.26 S/250.75 S/1,606.01 10,336.52
30 S/1,384.32 S/221.69 S/1,606.01 8,952.20
31 S/1,414.01 S/192.00 S/1,606.01 7,538.19
32 S/1,444.34 S/161.67 S/1,606.01 6,093.84
 33 S/1,475.32 S/130.69 S/1,606.01 4,618.53
34 S/1,506.96 S/99.05 S/1,606.01 3,111.57
35 S/1,539.28 S/66.73 S/1,606.01 1,572.29
36 S/1,572.29 S/33.72 S/1,606.01 -0.00
Totales 40,000.00 17,816.42 57,816.42
O FIJAS CON EXCEL FINANCIERO
 MÉTODO FRANCÉS CON PERÍODO DE GRACI

Una empresa obtiene un préstamo de una entidad financiera por S/. 12,000 para ser cancelado en 12 meses c
de gracia parcial (no paga amortización pero sí paga intereses). Se pide:
a. El importe del pago mensual y
b. Elaborar el cronograma.

Préstamo S/.12,000 TEA 40.0000%

Número de meses 12 TEM 2.8436%
Períodos de gracia parcial 3 Cuota S/. 1,529.99

= 2.8436%
22.3030%

FRC= 12.7499%
CUOTA= 1,529.99

Amortización Interés Cuota =

Periodo Saldo
=PAGOPRIN() =PAGOINT() PAGO()
0
1
2
3
4 1
5 2
6 3
7 4
8 5
9 6
10 7
11 8
12 9
Totales 0.00 0.00 0.00
NCÉS CON PERÍODO DE GRACIA PARCIAL

para ser cancelado en 12 meses con el método cuotas constantes a una TEA del 40% con 3 períodos

0.0284361557

Periodo Amortización Interés Cuota Saldo

0 12,000.00
1 341.23 341.23 12,000.00
2 341.23 341.23 12,000.00
3 341.23 341.23 12,000.00
4 1,188.75 341.23 1,529.99 10,811.25
5 1,222.56 307.43 1,529.99 9,588.69
6 1,257.32 272.67 1,529.99 8,331.37
7 1,293.08 236.91 1,529.99 7,038.29
8 1,329.85 200.14 1,529.99 5,708.45
9 1,367.66 162.33 1,529.99 4,340.78
10 1,406.55 123.44 1,529.99 2,934.23
11 1,446.55 83.44 1,529.99 1,487.68
12 1,487.68 42.30 1,529.99 -
Totales 12,000.00 2,793.59 14,793.59
 MÉTODO FRANCÉS CON PERIODO DE GRACIA PARCIAL

Préstamo 18,000.00 TEA 45.0000%

Número de cuotas 24 TEM 3.1448%
Períod. de gracia parcial 3 Cuota S/.1,184.04

Amortización Interés Cuota

Periodo Saldo
=PAGOPRIN() =PAGOINT() = PAGO()
0
1
2
3
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
Totales S/.0.00 - S/.0.00
Periodo Amortización Interés Cuota Saldo
0 S/. 18,000.00
1 0.00 566.06 S/. 566.06 S/. 18,000.00
2 0.00 566.06 S/. 566.06 S/. 18,000.00
3 0.00 566.06 S/. 566.06 S/. 18,000.00
1 S/.617.98 S/.566.06 S/.1,184.04 S/. 17,382.02
2 S/.637.41 S/.546.63 S/.1,184.04 S/. 16,744.61
3 S/.657.46 S/.526.58 S/.1,184.04 S/. 16,087.15
4 S/.678.13 S/.505.91 S/.1,184.04 S/. 15,409.02
5 S/.699.46 S/.484.58 S/.1,184.04 S/. 14,709.56
6 S/.721.46 S/.462.59 S/.1,184.04 S/. 13,988.10
7 S/.744.14 S/.439.90 S/.1,184.04 S/. 13,243.96
8 S/.767.55 S/.416.50 S/.1,184.04 S/. 12,476.41
9 S/.791.68 S/.392.36 S/.1,184.04 S/. 11,684.73
10 S/.816.58 S/.367.46 S/.1,184.04 S/. 10,868.15
11 S/.842.26 S/.341.78 S/.1,184.04 S/. 10,025.89
12 S/.868.75 S/.315.29 S/.1,184.04 S/. 9,157.14
13 S/.896.07 S/.287.97 S/.1,184.04 S/. 8,261.07
14 S/.924.25 S/.259.79 S/.1,184.04 S/. 7,336.83
15 S/.953.31 S/.230.73 S/.1,184.04 S/. 6,383.51
16 S/.983.29 S/.200.75 S/.1,184.04 S/. 5,400.22
17 S/.1,014.22 S/.169.83 S/.1,184.04 S/. 4,386.00
18 S/.1,046.11 S/.137.93 S/.1,184.04 S/. 3,339.89
19 S/.1,079.01 S/.105.03 S/.1,184.04 S/. 2,260.88
20 S/.1,112.94 S/.71.10 S/.1,184.04 S/. 1,147.94
21 S/.1,147.94 S/.36.10 S/.1,184.04 S/. 0.00
Totales S/.18,000.00 8,563.07 S/.26,563.07
 MÉTODO FRANCÉS CON PERIODO DE GRACIA PARCIAL

Préstamo 40,000.00 TEA 37.00%

Número de cuotas 36 TEM 2.6581%
Períod. de gracia parcial 6 Cuota S/. 1,951.63

Amortización Interés Cuota

Periodo Saldo
=PAGOPRIN() =PAGOINT() = PAGO()
0
1
2
3
4
5
6
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
Totales 0.00 0.00 0.00
Periodo Amortización Interés Cuota Saldo
0 S/. 40,000.00
1 1,063.25 40,000.00
2 1,063.25 40,000.00
3 1,063.25 40,000.00
4 1,063.25 40,000.00
5 1,063.25 40,000.00
6 1,063.25 40,000.00
1 S/888.37 S/1,063.25 S/. 1,951.63 S/. 39,111.63
2 S/911.99 S/1,039.64 S/. 1,951.63 S/. 38,199.64
3 S/936.23 S/1,015.40 S/. 1,951.63 S/. 37,263.41
4 S/961.12 S/990.51 S/. 1,951.63 S/. 36,302.29
5 S/986.66 S/964.96 S/. 1,951.63 S/. 35,315.63
6 S/1,012.89 S/938.74 S/. 1,951.63 S/. 34,302.74
7 S/1,039.82 S/911.81 S/. 1,951.63 S/. 33,262.92
8 S/1,067.45 S/884.17 S/. 1,951.63 S/. 32,195.47
9 S/1,095.83 S/855.80 S/. 1,951.63 S/. 31,099.64
10 S/1,124.96 S/826.67 S/. 1,951.63 S/. 29,974.68
11 S/1,154.86 S/796.77 S/. 1,951.63 S/. 28,819.82
12 S/1,185.56 S/766.07 S/. 1,951.63 S/. 27,634.26
13 S/1,217.07 S/734.56 S/. 1,951.63 S/. 26,417.19
14 S/1,249.42 S/702.21 S/. 1,951.63 S/. 25,167.76
15 S/1,282.64 S/668.99 S/. 1,951.63 S/. 23,885.13
16 S/1,316.73 S/634.90 S/. 1,951.63 S/. 22,568.40
17 S/1,351.73 S/599.90 S/. 1,951.63 S/. 21,216.67
18 S/1,387.66 S/563.97 S/. 1,951.63 S/. 19,829.01
19 S/1,424.55 S/527.08 S/. 1,951.63 S/. 18,404.46
20 S/1,462.41 S/489.22 S/. 1,951.63 S/. 16,942.05
21 S/1,501.29 S/450.34 S/. 1,951.63 S/. 15,440.76
22 S/1,541.19 S/410.44 S/. 1,951.63 S/. 13,899.57
23 S/1,582.16 S/369.47 S/. 1,951.63 S/. 12,317.41
24 S/1,624.22 S/327.41 S/. 1,951.63 S/. 10,693.19
25 S/1,667.39 S/284.24 S/. 1,951.63 S/. 9,025.81
26 S/1,711.71 S/239.92 S/. 1,951.63 S/. 7,314.09
27 S/1,757.21 S/194.42 S/. 1,951.63 S/. 5,556.88
 28 S/1,803.92 S/147.71 S/. 1,951.63 S/. 3,752.97
29 S/1,851.87 S/99.76 S/. 1,951.63 S/. 1,901.10
30 S/1,901.10 S/50.53 S/. 1,951.63 S/. 0.00
Totales 40,000.00 24,928.40 58,548.87
 MÉTODO FRANCÉS CON PERÍODO DE GRACIA TOTAL

Una empresa obtiene un préstamo de una entidad financiera por S/. 12,000 para ser cancelado en 12 meses
40% con 3 periodos de gracia total (no paga amortización ni intereses). Se pide:
a. El importe del pago mensual y
b. Elaborar el cronograma.

Préstamo 12,000 Cuota

Moneda Dólares VALOR FUTURO= S/.0.00 Periodo de pago
Número de meses 12 Periodo de gracia total
TEA 40.0000% TEM

Amortización Interés Cuota

Periodo Saldo Periodo
=PAGOPRIN() =PAGOINT() = PAGO()
0 0
1 1
2 2
3 3
4 1 4
5 2 5
6 3 6
7 4 7
8 5 8
9 6 9
10 7 10
11 8 11
12 9 0.00 12
Totales 0.00 0.00 0.00 Totales
DO DE GRACIA TOTAL

cancelado en 12 meses con el método cuotas constantes a una TEA del

uota
eriodo de pago mensual
eriodo de gracia total 3
EM 2.8436%
0.0284361557

Amortización Interés Cuota Saldo

12,000.00
341.23 12,341.23
350.94 12,692.17
360.92 13,053.09
1,293.08 371.18 1,664.26 11,760.01
1,329.85 334.41 1,664.26 10,430.17
1,367.66 296.59 1,664.26 9,062.51
1,406.55 257.70 1,664.26 7,655.95
1,446.55 217.71 1,664.26 6,209.40
1,487.68 176.57 1,664.26 4,721.72
1,529.99 134.27 1,664.26 3,191.73
1,573.49 90.76 1,664.26 1,618.24
1,618.24 46.02 1,664.26 -
13,053.09 2,978.30 14,978.30
 CUOTAS CONSTANTES CON PERIODO DE GRACIA TOTAL

Una empresa obtiene un préstamo de una entidad financiera por S/. 30,000.00 a ser cancelado en 18 meses c
constantes a una TEA del 41% y con 3 períodos de GRACIA TOTAL (no paga amortización ni intereses) Se pi
a) El importe del pago mensual
b) Elaborar el cronograma de pago

Préstamo 30,000.00 Cuota

Moneda Nuevos soles Periodo de pago
Número de cuotas 18 Periodo de gracia total
TEA 41.00% TEM

Nuevo Capital (VF) S/.32,690.84

Amortización Interés Cuota

Periodo Saldo
=PAGOPRIN() =PAGOINT() = PAGO()
0
1
2
3
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Totales 0.00 0.00 0.00
AL

er cancelado en 18 meses con cuotas

rtización ni intereses) Se pide calcular:

S/. 2,719.54
mensual
3
2.9046%

Período Amortización Interés Cuota Saldo

0 30,000.00
1 0.00 871.39 0.00 30,871.39
2 0.00 896.70 31,768.09
3 0.00 922.75 32,690.84
1 1,770.00 949.55 2,719.54 30,920.84
2 1,821.41 898.14 2,719.54 29,099.43
3 1,874.31 845.23 2,719.54 27,225.12
4 1,928.76 790.79 2,719.54 25,296.36
5 1,984.78 734.77 2,719.54 23,311.59
6 2,042.43 677.12 2,719.54 21,269.16
7 2,101.75 617.79 2,719.54 19,167.40
8 2,162.80 556.74 2,719.54 17,004.60
9 2,225.62 493.92 2,719.54 14,778.98
10 2,290.27 429.27 2,719.54 12,488.71
11 2,356.79 362.75 2,719.54 10,131.91
12 2,425.25 294.29 2,719.54 7,706.66
13 2,495.69 223.85 2,719.54 5,210.97
14 2,568.19 151.36 2,719.54 2,642.78
15 2,642.78 76.76 2,719.54 -
Totales 32,690.84 8,102.34 40,793.17
 CUOTAS CONSTANTES CON PERIODO DE GRACIA TOTAL

Una empresa obtiene un préstamo de una entidad financiera por S/. 42,500.00 a ser cancelado en 20 cuotas
constantes una TEA del 40% y 4 períodos de GRACIA TOTAL (no paga amortización ni intereses) Se pide ca
a) El importe del pago mensual
b) Elaborar el cronograma de pago

Préstamo 42,500.00 Cuota

Moneda Nuevos soles Periodo de pago
Número de cuotas 24 Periodo de gracia total
TEA 40.00% TEM

Nuevo Capital S/47,544.28

Amortización Interés Cuota

Periodo Saldo
=PAGOPRIN() =PAGOINT() = PAGO()
0
1
2
3
4
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Totales 0.00 0.00 0.00
AL

cancelado en 20 cuotas
n ni intereses) Se pide calcular:

mensual
4
2.843616%

Período Amortización Interés Cuota Saldo

0 42,500.00
1 42,500.00
2 42,500.00
3 42,500.00
4 47,544.28
1 1,797.72 1,351.98 3,149.70 45,746.56
2 1,848.84 1,300.86 3,149.70 43,897.72
3 1,901.41 1,248.28 3,149.70 41,996.31
4 1,955.48 1,194.21 3,149.70 40,040.83
5 2,011.09 1,138.61 3,149.70 38,029.74
6 2,068.28 1,081.42 3,149.70 35,961.46
7 2,127.09 1,022.61 3,149.70 33,834.37
8 2,187.58 962.12 3,149.70 31,646.79
9 2,249.78 899.91 3,149.70 29,397.01
10 2,313.76 835.94 3,149.70 27,083.25
11 2,379.55 770.14 3,149.70 24,703.70
12 2,447.22 702.48 3,149.70 22,256.48
13 2,516.81 632.89 3,149.70 19,739.67
14 2,588.38 561.32 3,149.70 17,151.30
15 2,661.98 487.72 3,149.70 14,489.32
16 2,737.68 412.02 3,149.70 11,751.64
17 2,815.52 334.17 3,149.70 8,936.12
18 2,895.59 254.11 3,149.70 6,040.53
19 2,977.93 171.77 3,149.70 3,062.61
20 3,062.61 87.09 3,149.70 0.00
Totales 38,029.74 9,215.70 47,245.44