sistema frances

sistema frances

Sacamos un crédito para maquinaria de $100,000 con una tasa de interes anual del 6% y un
periodo de un pago de 1 año: La amortización del crédito queda:

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $100,000.00
TNA 6.0%
Años 1
Frec. de Pago Mensual
Interes Equiv. 0.5000%
No. Pag x Año 12
No. Tot. Cuotas 12
Resumen
V. Prestamo $100,000.00
Suma de Cuotas $10,000
Suma de Interes 5

Cuota a pagar
$8,606.64

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $100,000.00
1 $8,606.64 $500.00 $8,106.64 $91,893.36
2 $8,606.64 $459.47 $8,147.18 $83,746.18
3 $8,606.64 $418.73 $8,187.91 $75,558.27
4 $8,606.64 $377.79 $8,228.85 $67,329.42
5 $8,606.64 $336.65 $8,270.00 $59,059.42
6 $8,606.64 $295.30 $8,311.35 $50,748.08
7 $8,606.64 $253.74 $8,352.90 $42,395.17
8 $8,606.64 $211.98 $8,394.67 $34,000.51
9 $8,606.64 $170.00 $8,436.64 $25,563.87
10 $8,606.64 $127.82 $8,478.82 $17,085.04
11 $8,606.64 $85.43 $8,521.22 $8,563.82
12 $8,606.64 $42.82 $8,563.82 $0.00
 Sistema Frances

Adquirimos un prestamo bancario pop $250,000 con un interes anual del 11% y a pagar en 5 años
el pago de tu cuota sera bimestral

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $250,000.00
TNA 11.0%
Años 5
Frec. de Pago Bimestral
Interes Equiv. 1.83%
No. Pag x Año 6
No. Tot. Cuotas 30
Resumen
V. Prestamo $250,000.00
Suma de Cuotas $327,249.04
Suma de Interes $77,249.04

Cuota a pagar
$10,908.30

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $250,000.00
1 $10,908.30 $4,583.33 $6,324.97 $243,675.03
2 $10,908.30 $4,467.38 $6,440.93 $237,234.11
3 $10,908.30 $4,349.29 $6,559.01 $230,675.10
4 $10,908.30 $4,229.04 $6,679.26 $223,995.84
5 $10,908.30 $4,106.59 $6,801.71 $217,194.13
6 $10,908.30 $3,981.89 $6,926.41 $210,267.72
7 $10,908.30 $3,854.91 $7,053.39 $203,214.33
8 $10,908.30 $3,725.60 $7,182.71 $196,031.62
9 $10,908.30 $3,593.91 $7,314.39 $188,717.23
10 $10,908.30 $3,459.82 $7,448.49 $181,268.75
11 $10,908.30 $3,323.26 $7,585.04 $173,683.71
12 $10,908.30 $3,184.20 $7,724.10 $165,959.61
13 $10,908.30 $3,042.59 $7,865.71 $158,093.90
14 $10,908.30 $2,898.39 $8,009.91 $150,083.99
15 $10,908.30 $2,751.54 $8,156.76 $141,927.22
16 $10,908.30 $2,602.00 $8,306.30 $133,620.92
17 $10,908.30 $2,449.72 $8,458.58 $125,162.34
18 $10,908.30 $2,294.64 $8,613.66 $116,548.68
19 $10,908.30 $2,136.73 $8,771.58 $107,777.10
20 $10,908.30 $1,975.91 $8,932.39 $98,844.72
21 $10,908.30 $1,812.15 $9,096.15 $89,748.57
22 $10,908.30 $1,645.39 $9,262.91 $80,485.66
23 $10,908.30 $1,475.57 $9,432.73 $71,052.93
24 $10,908.30 $1,302.64 $9,605.66 $61,447.26
25 $10,908.30 $1,126.53 $9,781.77 $51,665.49
26 $10,908.30 $947.20 $9,961.10 $41,704.39
27 $10,908.30 $764.58 $10,143.72 $31,560.67
28 $10,908.30 $578.61 $10,329.69 $21,230.98
29 $10,908.30 $389.23 $10,519.07 $10,711.92
30 $10,908.30 $196.39 $10,711.92 $0.00
 Sistema Frances

Adquirimos un iphone por $29,800 con un interes anual del 14% y a pagar en 2 años el pago de tu
cuota sera mensual

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $29,800.00
TNA 14.0%
Años 2
Frec. de Pago Mensual
Interes Equiv. 1.17%
No. Pag x Año 12
No. Tot. Cuotas 24
Resumen
V. Prestamo $29,800.00
Suma de Cuotas $34,338.81
Suma de Interes $4,538.81

Cuota a pagar
$1,430.78

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $29,800.00
1 $1,430.78 $347.67 $1,083.12 $28,716.88
2 $1,430.78 $335.03 $1,095.75 $27,621.13
3 $1,430.78 $322.25 $1,108.54 $26,512.59
4 $1,430.78 $309.31 $1,121.47 $25,391.12
5 $1,430.78 $296.23 $1,134.55 $24,256.57
6 $1,430.78 $282.99 $1,147.79 $23,108.78
7 $1,430.78 $269.60 $1,161.18 $21,947.60
8 $1,430.78 $256.06 $1,174.73 $20,772.87
9 $1,430.78 $242.35 $1,188.43 $19,584.43
10 $1,430.78 $228.49 $1,202.30 $18,382.13
11 $1,430.78 $214.46 $1,216.33 $17,165.81
12 $1,430.78 $200.27 $1,230.52 $15,935.29
13 $1,430.78 $185.91 $1,244.87 $14,690.42
14 $1,430.78 $171.39 $1,259.40 $13,431.02
15 $1,430.78 $156.70 $1,274.09 $12,156.94
16 $1,430.78 $141.83 $1,288.95 $10,867.98
17 $1,430.78 $126.79 $1,303.99 $9,563.99
18 $1,430.78 $111.58 $1,319.20 $8,244.79
19 $1,430.78 $96.19 $1,334.59 $6,910.19
20 $1,430.78 $80.62 $1,350.17 $5,560.03
21 $1,430.78 $64.87 $1,365.92 $4,194.11
22 $1,430.78 $48.93 $1,381.85 $2,812.26
23 $1,430.78 $32.81 $1,397.97 $1,414.28
24 $1,430.78 $16.50 $1,414.28 $0.00
 Sistema Frances

Adquirimos un carro por $349,350 con un interes anual del 16% y a pagar en 6 años el pago de tu
cuota sera mensual

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $349,350.00
TNA 16.0%
Años 6
Frec. de Pago Mensual
Interes Equiv. 1.33%
No. Pag x Año 12
No. Tot. Cuotas 72
Resumen
V. Prestamo $349,350.00
Suma de Cuotas $545,619.21
Suma de Interes $196,269.21

Cuota a pagar
$7,578.04

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $349,350.00
1 $7,578.04 $4,658.00 $2,920.04 $346,429.96
2 $7,578.04 $4,619.07 $2,958.98 $343,470.98
3 $7,578.04 $4,579.61 $2,998.43 $340,472.55
4 $7,578.04 $4,539.63 $3,038.41 $337,434.13
5 $7,578.04 $4,499.12 $3,078.92 $334,355.21
6 $7,578.04 $4,458.07 $3,119.98 $331,235.24
7 $7,578.04 $4,416.47 $3,161.57 $328,073.66
8 $7,578.04 $4,374.32 $3,203.73 $324,869.93
9 $7,578.04 $4,331.60 $3,246.45 $321,623.49
10 $7,578.04 $4,288.31 $3,289.73 $318,333.76
11 $7,578.04 $4,244.45 $3,333.59 $315,000.16
12 $7,578.04 $4,200.00 $3,378.04 $311,622.12
13 $7,578.04 $4,154.96 $3,423.08 $308,199.04
14 $7,578.04 $4,109.32 $3,468.72 $304,730.31
15 $7,578.04 $4,063.07 $3,514.97 $301,215.34
16 $7,578.04 $4,016.20 $3,561.84 $297,653.50
17 $7,578.04 $3,968.71 $3,609.33 $294,044.17
18 $7,578.04 $3,920.59 $3,657.46 $290,386.71
19 $7,578.04 $3,871.82 $3,706.22 $286,680.49
20 $7,578.04 $3,822.41 $3,755.64 $282,924.85
21 $7,578.04 $3,772.33 $3,805.71 $279,119.14
22 $7,578.04 $3,721.59 $3,856.46 $275,262.68
23 $7,578.04 $3,670.17 $3,907.88 $271,354.81
24 $7,578.04 $3,618.06 $3,959.98 $267,394.83
25 $7,578.04 $3,565.26 $4,012.78 $263,382.05
26 $7,578.04 $3,511.76 $4,066.28 $259,315.76
27 $7,578.04 $3,457.54 $4,120.50 $255,195.26
28 $7,578.04 $3,402.60 $4,175.44 $251,019.82
29 $7,578.04 $3,346.93 $4,231.11 $246,788.71
30 $7,578.04 $3,290.52 $4,287.53 $242,501.18
31 $7,578.04 $3,233.35 $4,344.70 $238,156.48
32 $7,578.04 $3,175.42 $4,402.62 $233,753.86
33 $7,578.04 $3,116.72 $4,461.33 $229,292.53
34 $7,578.04 $3,057.23 $4,520.81 $224,771.72
35 $7,578.04 $2,996.96 $4,581.09 $220,190.63
36 $7,578.04 $2,935.88 $4,642.17 $215,548.47
37 $7,578.04 $2,873.98 $4,704.06 $210,844.40
38 $7,578.04 $2,811.26 $4,766.79 $206,077.61
39 $7,578.04 $2,747.70 $4,830.34 $201,247.27
40 $7,578.04 $2,683.30 $4,894.75 $196,352.52
41 $7,578.04 $2,618.03 $4,960.01 $191,392.51
42 $7,578.04 $2,551.90 $5,026.14 $186,366.37
43 $7,578.04 $2,484.88 $5,093.16 $181,273.21
44 $7,578.04 $2,416.98 $5,161.07 $176,112.14
45 $7,578.04 $2,348.16 $5,229.88 $170,882.26
46 $7,578.04 $2,278.43 $5,299.61 $165,582.64
47 $7,578.04 $2,207.77 $5,370.28 $160,212.37
48 $7,578.04 $2,136.16 $5,441.88 $154,770.49
49 $7,578.04 $2,063.61 $5,514.44 $149,256.05
50 $7,578.04 $1,990.08 $5,587.96 $143,668.09
51 $7,578.04 $1,915.57 $5,662.47 $138,005.62
52 $7,578.04 $1,840.07 $5,737.97 $132,267.65
53 $7,578.04 $1,763.57 $5,814.48 $126,453.17
54 $7,578.04 $1,686.04 $5,892.00 $120,561.17
55 $7,578.04 $1,607.48 $5,970.56 $114,590.61
56 $7,578.04 $1,527.87 $6,050.17 $108,540.44
57 $7,578.04 $1,447.21 $6,130.84 $102,409.60
58 $7,578.04 $1,365.46 $6,212.58 $96,197.01
59 $7,578.04 $1,282.63 $6,295.42 $89,901.60
60 $7,578.04 $1,198.69 $6,379.36 $83,522.24
61 $7,578.04 $1,113.63 $6,464.41 $77,057.83
62 $7,578.04 $1,027.44 $6,550.61 $70,507.22
63 $7,578.04 $940.10 $6,637.95 $63,869.27
64 $7,578.04 $851.59 $6,726.45 $57,142.82
65 $7,578.04 $761.90 $6,816.14 $50,326.68
66 $7,578.04 $671.02 $6,907.02 $43,419.65
67 $7,578.04 $578.93 $6,999.12 $36,420.54
68 $7,578.04 $485.61 $7,092.44 $29,328.10
69 $7,578.04 $391.04 $7,187.00 $22,141.10
70 $7,578.04 $295.21 $7,282.83 $14,858.27
71 $7,578.04 $198.11 $7,379.93 $7,478.33
72 $7,578.04 $99.71 $7,478.33 $0.00
 Sistema Frances

Adquirimos un prestamo bancario por $100,000 con un interes anual del 12% y a pagar en 1 año el
pago de tu cuota sera mensual

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $100,000.00
TNA 12.0%
Años 1
Frec. de Pago Mensual
Interes Equiv. 1.00%
No. Pag x Año 12
No. Tot. Cuotas 12
Resumen
V. Prestamo $100,000.00
Suma de Cuotas $106,618.55
Suma de Interes $6,618.55

Cuota a pagar
$8,884.88

Cuota a pagar
Interes Capital Vivo
(PAGO(Interes, Capital amortizado
No. Coutas (Cap. Vivo * (Capital vivo - Capital
N° Cuotas - (cuota a pagar - interes)
Interes) amortizado)
Prestamo)
0 $100,000.00
1 $8,884.88 $1,000.00 $7,884.88 $92,115.12
2 $8,884.88 $921.15 $7,963.73 $84,151.39
3 $8,884.88 $841.51 $8,043.36 $76,108.03
4 $8,884.88 $761.08 $8,123.80 $67,984.23
5 $8,884.88 $679.84 $8,205.04 $59,779.19
6 $8,884.88 $597.79 $8,287.09 $51,492.11
7 $8,884.88 $514.92 $8,369.96 $43,122.15
8 $8,884.88 $431.22 $8,453.66 $34,668.49
 9 $8,884.88 $346.68 $8,538.19 $26,130.30
10 $8,884.88 $261.30 $8,623.58 $17,506.72
11 $8,884.88 $175.07 $8,709.81 $8,796.91
12 $8,884.88 $87.97 $8,796.91 $0.00
 Sistema Aleman

Adquirimos un prestamo bancario por $100,000 con un interes anual del 12% y a pagar en 1 año el
pago de tu cuota sera mensual

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $100,000.00
TNA 12.0%
Años 1
Frec. de Pago Mensual
Interes Equiv. 1.00%
No. Pag x Año 12
No. Tot. Cuotas 12
Pag. Mens. Amort. $8,333.33
Resumen
V. Prestamo $100,000.00
Suma de Cuotas $106,500.00
Suma de Interes $6,500.00

Cuota a pagar
$8,333.33

Cuota a pagar Interes Capital amortizado Capital Vivo

No. Coutas (Interes + C. (Capital vivo (valor prestamo/N° total (Capital vivo - Capital
Amortizado) * interes) de cuotas) amortizado)
0 $100,000.00
1 $9,333.33 $1,000.00 $8,333.33 $91,666.67
2 $9,250.00 $916.67 $8,333.33 $83,333.33
3 $9,166.67 $833.33 $8,333.33 $75,000.00
4 $9,083.33 $750.00 $8,333.33 $66,666.67
5 $9,000.00 $666.67 $8,333.33 $58,333.33
6 $8,916.67 $583.33 $8,333.33 $50,000.00
7 $8,833.33 $500.00 $8,333.33 $41,666.67
8 $8,750.00 $416.67 $8,333.33 $33,333.33
 9 $8,666.67 $333.33 $8,333.33 $25,000.00
10 $8,583.33 $250.00 $8,333.33 $16,666.67
11 $8,500.00 $166.67 $8,333.33 $8,333.33
12 $8,416.67 $83.33 $8,333.33 $0.00
 EJERCICIOS

voy a banorte y solicito un crédito para comprarn un carro, el cual el crédito que solicito $450,700, el banco
me lo autoriza y med ice que la tasa de interes anual es el 18% y liquidar en 6 años

Formula

(cxix(1+i))n
P =
((1+i)n-1)

Datos
V. Prestamo $450,700.00
TNA 18.0%
Años 6
Frec. de Pago Mensual
Interes Equiv. 1.50%
No. Pag x Año 12
No. Tot. Cuotas 72
Resumen
V. Prestamo $450,700.00
Suma de Cuotas $740,121.94
Suma de Interes $289,421.94

Cuota a pagar
$10,279.47

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $450,700.00
1 $10,279.47 $6,760.50 $3,518.97 $447,181.03
2 $10,279.47 $6,707.72 $3,571.76 $443,609.27
3 $10,279.47 $6,654.14 $3,625.33 $439,983.94
4 $10,279.47 $6,599.76 $3,679.71 $436,304.23
5 $10,279.47 $6,544.56 $3,734.91 $432,569.32
6 $10,279.47 $6,488.54 $3,790.93 $428,778.39
7 $10,279.47 $6,431.68 $3,847.80 $424,930.59
8 $10,279.47 $6,373.96 $3,905.51 $421,025.08
9 $10,279.47 $6,315.38 $3,964.10 $417,060.98
10 $10,279.47 $6,255.91 $4,023.56 $413,037.43
11 $10,279.47 $6,195.56 $4,083.91 $408,953.52
12 $10,279.47 $6,134.30 $4,145.17 $404,808.35
13 $10,279.47 $6,072.13 $4,207.35 $400,601.00
14 $10,279.47 $6,009.02 $4,270.46 $396,330.55
15 $10,279.47 $5,944.96 $4,334.51 $391,996.03
16 $10,279.47 $5,879.94 $4,399.53 $387,596.50
17 $10,279.47 $5,813.95 $4,465.52 $383,130.98
18 $10,279.47 $5,746.96 $4,532.51 $378,598.47
19 $10,279.47 $5,678.98 $4,600.49 $373,997.98
20 $10,279.47 $5,609.97 $4,669.50 $369,328.48
21 $10,279.47 $5,539.93 $4,739.54 $364,588.93
22 $10,279.47 $5,468.83 $4,810.64 $359,778.29
23 $10,279.47 $5,396.67 $4,882.80 $354,895.50
24 $10,279.47 $5,323.43 $4,956.04 $349,939.46
25 $10,279.47 $5,249.09 $5,030.38 $344,909.08
26 $10,279.47 $5,173.64 $5,105.84 $339,803.24
27 $10,279.47 $5,097.05 $5,182.42 $334,620.82
28 $10,279.47 $5,019.31 $5,260.16 $329,360.66
29 $10,279.47 $4,940.41 $5,339.06 $324,021.60
30 $10,279.47 $4,860.32 $5,419.15 $318,602.45
31 $10,279.47 $4,779.04 $5,500.43 $313,102.02
32 $10,279.47 $4,696.53 $5,582.94 $307,519.08
33 $10,279.47 $4,612.79 $5,666.69 $301,852.39
34 $10,279.47 $4,527.79 $5,751.69 $296,100.71
35 $10,279.47 $4,441.51 $5,837.96 $290,262.74
36 $10,279.47 $4,353.94 $5,925.53 $284,337.21
37 $10,279.47 $4,265.06 $6,014.41 $278,322.80
38 $10,279.47 $4,174.84 $6,104.63 $272,218.17
39 $10,279.47 $4,083.27 $6,196.20 $266,021.97
40 $10,279.47 $3,990.33 $6,289.14 $259,732.83
41 $10,279.47 $3,895.99 $6,383.48 $253,349.35
42 $10,279.47 $3,800.24 $6,479.23 $246,870.12
43 $10,279.47 $3,703.05 $6,576.42 $240,293.70
44 $10,279.47 $3,604.41 $6,675.07 $233,618.64
45 $10,279.47 $3,504.28 $6,775.19 $226,843.44
46 $10,279.47 $3,402.65 $6,876.82 $219,966.62
47 $10,279.47 $3,299.50 $6,979.97 $212,986.65
48 $10,279.47 $3,194.80 $7,084.67 $205,901.98
49 $10,279.47 $3,088.53 $7,190.94 $198,711.04
50 $10,279.47 $2,980.67 $7,298.81 $191,412.23
51 $10,279.47 $2,871.18 $7,408.29 $184,003.94
52 $10,279.47 $2,760.06 $7,519.41 $176,484.53
53 $10,279.47 $2,647.27 $7,632.20 $168,852.33
54 $10,279.47 $2,532.78 $7,746.69 $161,105.64
55 $10,279.47 $2,416.58 $7,862.89 $153,242.76
 56 $10,279.47 $2,298.64 $7,980.83 $145,261.93
57 $10,279.47 $2,178.93 $8,100.54 $137,161.38
58 $10,279.47 $2,057.42 $8,222.05 $128,939.33
59 $10,279.47 $1,934.09 $8,345.38 $120,593.95
60 $10,279.47 $1,808.91 $8,470.56 $112,123.39
61 $10,279.47 $1,681.85 $8,597.62 $103,525.77
62 $10,279.47 $1,552.89 $8,726.58 $94,799.18
63 $10,279.47 $1,421.99 $8,857.48 $85,941.70
64 $10,279.47 $1,289.13 $8,990.35 $76,951.35
65 $10,279.47 $1,154.27 $9,125.20 $67,826.15
66 $10,279.47 $1,017.39 $9,262.08 $58,564.07
67 $10,279.47 $878.46 $9,401.01 $49,163.06
68 $10,279.47 $737.45 $9,542.03 $39,621.04
69 $10,279.47 $594.32 $9,685.16 $29,935.88
70 $10,279.47 $449.04 $9,830.43 $20,105.45
71 $10,279.47 $301.58 $9,977.89 $10,127.56
72 $10,279.47 $151.91 $10,127.56 $0.00

1. ¿En que mensualidad cubro el 50% del prestamo?

En la mensualidad 45 cubrimos el 50% ya que está debiendo $226,843.44

2. ¿Qué pasa si la mensualidad 25 abono $75,000?

Terminaríamos de pagar el credito en la cuota 59 con un último pago de $6,353.39 en la mensualidad 58

teniendo una diferencia de interés de $62,463.91

Suma de Interes $0.00

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $450,700.00
1 $10,279.47 $6,760.50 $3,518.97 $447,181.03
2 $10,279.47 $6,707.72 $3,571.76 $443,609.27
3 $10,279.47 $6,654.14 $3,625.33 $439,983.94
4 $10,279.47 $6,599.76 $3,679.71 $436,304.23
5 $10,279.47 $6,544.56 $3,734.91 $432,569.32
6 $10,279.47 $6,488.54 $3,790.93 $428,778.39
7 $10,279.47 $6,431.68 $3,847.80 $424,930.59
8 $10,279.47 $6,373.96 $3,905.51 $421,025.08
9 $10,279.47 $6,315.38 $3,964.10 $417,060.98
10 $10,279.47 $6,255.91 $4,023.56 $413,037.43
11 $10,279.47 $6,195.56 $4,083.91 $408,953.52
12 $10,279.47 $6,134.30 $4,145.17 $404,808.35
13 $10,279.47 $6,072.13 $4,207.35 $400,601.00
14 $10,279.47 $6,009.02 $4,270.46 $396,330.55
15 $10,279.47 $5,944.96 $4,334.51 $391,996.03
16 $10,279.47 $5,879.94 $4,399.53 $387,596.50
17 $10,279.47 $5,813.95 $4,465.52 $383,130.98
18 $10,279.47 $5,746.96 $4,532.51 $378,598.47
19 $10,279.47 $5,678.98 $4,600.49 $373,997.98
20 $10,279.47 $5,609.97 $4,669.50 $369,328.48
21 $10,279.47 $5,539.93 $4,739.54 $364,588.93
22 $10,279.47 $5,468.83 $4,810.64 $359,778.29
23 $10,279.47 $5,396.67 $4,882.80 $354,895.50
24 $10,279.47 $5,323.43 $4,956.04 $349,939.46
25 $10,279.47 $5,249.09 $80,030.38 $269,909.08
26 $10,279.47 $4,048.64 $6,230.84 $263,678.24
27 $10,279.47 $3,955.17 $6,324.30 $257,353.95
28 $10,279.47 $3,860.31 $6,419.16 $250,934.78
29 $10,279.47 $3,764.02 $6,515.45 $244,419.33
30 $10,279.47 $3,666.29 $6,613.18 $237,806.15
31 $10,279.47 $3,567.09 $6,712.38 $231,093.77
32 $10,279.47 $3,466.41 $6,813.06 $224,280.71
33 $10,279.47 $3,364.21 $6,915.26 $217,365.45
34 $10,279.47 $3,260.48 $7,018.99 $210,346.46
35 $10,279.47 $3,155.20 $7,124.27 $203,222.18
36 $10,279.47 $3,048.33 $7,231.14 $195,991.04
37 $10,279.47 $2,939.87 $7,339.61 $188,651.44
38 $10,279.47 $2,829.77 $7,449.70 $181,201.74
39 $10,279.47 $2,718.03 $7,561.45 $173,640.29
40 $10,279.47 $2,604.60 $7,674.87 $165,965.43
41 $10,279.47 $2,489.48 $7,789.99 $158,175.44
42 $10,279.47 $2,372.63 $7,906.84 $150,268.60
43 $10,279.47 $2,254.03 $8,025.44 $142,243.15
44 $10,279.47 $2,133.65 $8,145.82 $134,097.33
45 $10,279.47 $2,011.46 $8,268.01 $125,829.32
46 $10,279.47 $1,887.44 $8,392.03 $117,437.29
47 $10,279.47 $1,761.56 $8,517.91 $108,919.37
48 $10,279.47 $1,633.79 $8,645.68 $100,273.69
49 $10,279.47 $1,504.11 $8,775.37 $91,498.33
50 $10,279.47 $1,372.47 $8,907.00 $82,591.33
51 $10,279.47 $1,238.87 $9,040.60 $73,550.73
52 $10,279.47 $1,103.26 $9,176.21 $64,374.52
53 $10,279.47 $965.62 $9,313.85 $55,060.67
54 $10,279.47 $825.91 $9,453.56 $45,607.10
55 $10,279.47 $684.11 $9,595.36 $36,011.74
 56 $10,279.47 $540.18 $9,739.30 $26,272.44
57 $10,279.47 $394.09 $9,885.38 $16,387.06
58 $10,279.47 $245.81 $10,033.67 $6,353.39
59 $10,279.47 $95.30 $10,184.17 -$3,830.78
60 $10,279.47 -$57.46 $10,336.93 -$14,167.71
61 $10,279.47 -$212.52 $10,491.99 -$24,659.70
62 $10,279.47 -$369.90 $10,649.37 -$35,309.06
63 $10,279.47 -$529.64 $10,809.11 -$46,118.17
64 $10,279.47 -$691.77 $10,971.24 -$57,089.42
65 $10,279.47 -$856.34 $11,135.81 -$68,225.23
66 $10,279.47 -$1,023.38 $11,302.85 -$79,528.08
67 $10,279.47 -$1,192.92 $11,472.39 -$91,000.47
68 $10,279.47 -$1,365.01 $11,644.48 -$102,644.95
69 $10,279.47 -$1,539.67 $11,819.15 -$114,464.10
70 $10,279.47 -$1,716.96 $11,996.43 -$126,460.53
71 $10,279.47 -$1,896.91 $12,176.38 -$138,636.91
72 $10,279.47 -$2,079.55 $12,359.03 -$150,995.93

3-¿Que pasa si en la mensualidad 12,24,36 y 48 abono $40,000?

Con los bonos de $40000 en las mensualidades ya mencionado acabamos de pagar el credito en
la mensualidad 48 con el último pago de $42,178.36 en la mensualidad 47 teniendo gran
diferencia de interés de $145,013.62

Suma de Interes $144,408.33

No. Coutas Cuota a pagar Interes Capital amortizado Capital Vivo

0 $450,700.00
1 $10,279.47 $6,760.50 $3,518.97 $447,181.03
2 $10,279.47 $6,707.72 $3,571.76 $443,609.27
3 $10,279.47 $6,654.14 $3,625.33 $439,983.94
4 $10,279.47 $6,599.76 $3,679.71 $436,304.23
5 $10,279.47 $6,544.56 $3,734.91 $432,569.32
6 $10,279.47 $6,488.54 $3,790.93 $428,778.39
7 $10,279.47 $6,431.68 $3,847.80 $424,930.59
8 $10,279.47 $6,373.96 $3,905.51 $421,025.08
9 $10,279.47 $6,315.38 $3,964.10 $417,060.98
10 $10,279.47 $6,255.91 $4,023.56 $413,037.43
11 $10,279.47 $6,195.56 $4,083.91 $408,953.52
12 $10,279.47 $6,134.30 $44,145.17 $364,808.35
13 $10,279.47 $5,472.13 $4,807.35 $360,001.00
14 $10,279.47 $5,400.02 $4,879.46 $355,121.55
15 $10,279.47 $5,326.82 $4,952.65 $350,168.90
16 $10,279.47 $5,252.53 $5,026.94 $345,141.96
17 $10,279.47 $5,177.13 $5,102.34 $340,039.62
18 $10,279.47 $5,100.59 $5,178.88 $334,860.74
19 $10,279.47 $5,022.91 $5,256.56 $329,604.18
20 $10,279.47 $4,944.06 $5,335.41 $324,268.77
21 $10,279.47 $4,864.03 $5,415.44 $318,853.33
22 $10,279.47 $4,782.80 $5,496.67 $313,356.66
23 $10,279.47 $4,700.35 $5,579.12 $307,777.54
24 $10,279.47 $4,616.66 $45,662.81 $262,114.73
25 $10,279.47 $3,931.72 $6,347.75 $255,766.98
26 $10,279.47 $3,836.50 $6,442.97 $249,324.01
27 $10,279.47 $3,739.86 $6,539.61 $242,784.40
28 $10,279.47 $3,641.77 $6,637.71 $236,146.70
29 $10,279.47 $3,542.20 $6,737.27 $229,409.43
30 $10,279.47 $3,441.14 $6,838.33 $222,571.10
31 $10,279.47 $3,338.57 $6,940.90 $215,630.19
32 $10,279.47 $3,234.45 $7,045.02 $208,585.17
33 $10,279.47 $3,128.78 $7,150.69 $201,434.48
34 $10,279.47 $3,021.52 $7,257.95 $194,176.52
35 $10,279.47 $2,912.65 $7,366.82 $186,809.70
36 $10,279.47 $2,802.15 $47,477.33 $139,332.38
37 $10,279.47 $2,089.99 $8,189.49 $131,142.89
38 $10,279.47 $1,967.14 $8,312.33 $122,830.56
39 $10,279.47 $1,842.46 $8,437.01 $114,393.55
40 $10,279.47 $1,715.90 $8,563.57 $105,829.98
41 $10,279.47 $1,587.45 $8,692.02 $97,137.96
42 $10,279.47 $1,457.07 $8,822.40 $88,315.56
43 $10,279.47 $1,324.73 $8,954.74 $79,360.82
44 $10,279.47 $1,190.41 $9,089.06 $70,271.76
45 $10,279.47 $1,054.08 $9,225.40 $61,046.36
46 $10,279.47 $915.70 $9,363.78 $51,682.59
47 $10,279.47 $775.24 $9,504.23 $42,178.36
48 $10,279.47 $632.68 $49,646.80 -$7,468.44
49 $10,279.47 -$112.03 $10,391.50 -$17,859.94
50 $10,279.47 -$267.90 $10,547.37 -$28,407.31
51 $10,279.47 -$426.11 $10,705.58 -$39,112.89
52 $10,279.47 -$586.69 $10,866.16 -$49,979.06
53 $10,279.47 -$749.69 $11,029.16 -$61,008.21
54 $10,279.47 -$915.12 $11,194.59 -$72,202.81
55 $10,279.47 -$1,083.04 $11,362.51 -$83,565.32
 56 $10,279.47 -$1,253.48 $11,532.95 -$95,098.27
57 $10,279.47 -$1,426.47 $11,705.95 -$106,804.22
58 $10,279.47 -$1,602.06 $11,881.53 -$118,685.75
59 $10,279.47 -$1,780.29 $12,059.76 -$130,745.51
60 $10,279.47 -$1,961.18 $12,240.65 -$142,986.16
61 $10,279.47 -$2,144.79 $12,424.26 -$155,410.43
62 $10,279.47 -$2,331.16 $12,610.63 -$168,021.06
63 $10,279.47 -$2,520.32 $12,799.79 -$180,820.84
64 $10,279.47 -$2,712.31 $12,991.78 -$193,812.63
65 $10,279.47 -$2,907.19 $13,186.66 -$206,999.29
66 $10,279.47 -$3,104.99 $13,384.46 -$220,383.75
67 $10,279.47 -$3,305.76 $13,585.23 -$233,968.98
68 $10,279.47 -$3,509.53 $13,789.01 -$247,757.98
69 $10,279.47 -$3,716.37 $13,995.84 -$261,753.82
70 $10,279.47 -$3,926.31 $14,205.78 -$275,959.60
71 $10,279.47 -$4,139.39 $14,418.87 -$290,378.47
72 $10,279.47 -$4,355.68 $14,635.15 -$305,013.62

4-¿Que pasa si en el sistema alemán mi interés es de 17.5%?

La cuota disminuye siendo de $4 ,019.75 siendo menos que el metodo francés que fue de
$10,279.49
Sacamos un
crédito para
maquinaria
Sistema Americano
de $100,000
con una tasa
de interes
anual del 6%
y un periodo
de un pago
de 1 año: La
amortizació
n del crédito
queda:

Formula

P = (( c( 1x +i xi () 1n +- i ) ) n
1)

Datos
V. Prestamo $450,700.00
TNA 6.0%
Años 1
Frec. de Pago Mensual
Interes Equiv. 0.5000%
No. Pag x Año 12
No. Tot. Cuotas 12
Resumen
V. Prestamo $100,000.00
Suma de Cuotas $10,000
Suma de Interes 5

Cuota a pagar
$38,790.14

Capital
No. Coutas Cuota a pagar Interes Capital Vivo
amortizado
0 $450,700.00
1 $38,790.14 $2,253.50 $36,536.64 $414,163.36
2 $38,790.14 $2,070.82 $36,719.32 $377,444.04
3 $38,790.14 $1,887.22 $36,902.92 $340,541.12
4 $38,790.14 $1,702.71 $37,087.43 $303,453.68
5 $38,790.14 $1,517.27 $37,272.87 $266,180.81
6 $38,790.14 $1,330.90 $37,459.24 $228,721.58
7 $38,790.14 $1,143.61 $37,646.53 $191,075.04
8 $38,790.14 $955.38 $37,834.76 $153,240.28
9 $38,790.14 $766.20 $38,023.94 $115,216.34
10 $38,790.14 $576.08 $38,214.06 $77,002.28