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DATOS INICIALES
CRDITO
FRECUENCIA DE LOS PAGOS
NMERO DE PAGOS MENSUALES
TASA DE INTERS GLOBAL POR MES
TASA DE INTERS GLOBAL ANUAL
PERIODO DE PAGOS EN EL AO (p)
1,000
MENSUAL
12
5.00%
60.00%
12
*
=
*
=
1,000
5.00%
50
12
600
1,000
600
1,600
1,600
12
133
Pago Capital
52
57
61
66
72
77
84
90
98
106
Nuevo saldo
948
891
830
764
692
615
531
441
343
237
11
12
237
123
TOTAL
133
133
1,600
19
10
114
123
1,000
1
2
3
4
5
6
7
8
9
10
11
12
Pagos que se
Reinvierten
Tasa Inters
Mensual
Meses
Inversin
133
133
133
133
133
133
133
133
133
133
133
133
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
11
10
9
8
7
6
5
4
3
2
1
0
Saldo Inversin
a fin de periodo
$314
$290
$269
$248
$230
$213
$197
$182
$168
$156
$144
$133
$2,544
$2,544
$1,000
154.4%
123
0
CAT = ( (1+i/p)^p)-1
i = tasa de inters anual o TIR
p = periodo de pagos en el ao
154.4%
SALDO GLOBAL
5.0%
60.0%
SALDOS INSOLUTOS
8.09%
97.1%
1
2
3
4
5
6
7
8
9
10
11
12
Saldo:Capital
+ Intereses
Pago mes
Capital + Intereses
1,600
1,467
1,333
1,200
1,067
933
800
667
533
400
267
133
TOTAL PAGADO
133
133
133
133
133
133
133
133
133
133
133
133
1,333
Intereses pagados
-1,000
333
Descuento
8.1%
8.1%
8.1%
8.1%
8.1%
8.1%
8.1%
8.1%
8.1%
8.1%
Menos Crdito
Saldo Final de
Perodo
1,467
1,333
1,200
1,067
933
800
667
533
400
267
133
0
11
12
133
133
8.1%
8.1%
TOTAL
57
52
1,000
MES
(t)
PAGO
1
2
3
4
5
6
7
8
9
10
11
12
TOTAL
133
133
133
133
133
133
133
133
133
133
133
133
1,600
Tasa Inters
Mensual
Anual
Valor Presente Pago
Donde
PAGO = pago fijo del crdito sobre saldos insolutos
i = tasa de inters anual o TIR
p = periodo de pagos en el ao = 12
t = nmero de pago secuencial del crdito
Valor Presente de cada Pago utilizando la Tasa de Inters
= PAGO / (1+i/p)^t
Valor Presente de cada Pago utilizando el CAT (Anual)
= PAGO/(1+CAT)^(t/p)
8.09%
97.1%
123
114
106
98
90
84
77
72
66
61
57
52
1,000
1,000
5.0%
133
CAT
154.4%
ANUAL
1
60.0%
60.0%
MENSUAL
12
5.0%
79.6%
QUINCENAL
24
2.5%
80.9%
CAT = ( (1+i/p)^p)-1
i = tasa de inters anual o TIR
p = periodo de pagos en el ao
Capital
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
$595
12
0.6%
7.0%
0.6%
72
-$10.14
7.2%
Intereses
595
588
582
575
568
561
554
547
541
534
526
519
512
505
498
491
483
476
469
461
454
446
439
431
424
416
408
400
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
2
2
2
2
C
p=periodos de pago en el ao
i mes
i = tasa inters anual
i/p = tasa de inters por periodo
Pago mes
Pago Capital
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
7
-10.14
8
-10.14
8
-10.14
8
-10.14
8
-10.14
8
-10.14
8
-10.14
8
29
30
31
32
33
34
35
36
TOTAL
393
385
377
369
361
353
345
337
2
2
2
2
2
2
2
2
99
-10.14
-10.14
-10.14
-10.14
-10.14
-10.14
-10.14
-10.14
-365
8
8
8
8
8
8
8
8
266
o en el ao
s por periodo
Nuevo saldo
Mes
588
582
575
568
561
554
547
541
534
526
519
512
505
498
491
483
476
469
461
454
446
439
431
424
416
408
400
393
Capital
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
$1,000
12
8.1%
97.1%
8.1%
12
-$133.33
154.4%
Intereses
1,000
948
891
830
764
692
615
531
441
343
237
123
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
81
77
72
67
62
56
50
43
36
28
19
10
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
C
n
i=t/n
t = tasa inters anual
i/p = tasa de inters por pe
Pmt
Pago mes
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
-133.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
385
377
369
361
353
345
337
329
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
600
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,600
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero pagos mensuales
Pago mensual
CAT
Mes
Capital
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
$1,000
12
6.6%
79%
6.6%
15
-$107.15
115.7%
Intereses
1,000
959
915
869
819
766
710
649
585
517
444
366
283
195
101
0
0
0
0
0
0
0
0
0
0
0
0
0
66
63
61
57
54
51
47
43
39
34
29
24
19
13
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
607
N CRDITO
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago mes
Pago Capital Nuevo saldo
-107.15
41
959
-107.15
44
915
-107.15
47
869
-107.15
50
819
-107.15
53
766
-107.15
56
710
-107.15
60
649
-107.15
64
585
-107.15
68
517
-107.15
73
444
-107.15
78
366
-107.15
83
283
-107.15
88
195
-107.15
94
101
-107.15
101
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero de pagos
Pago mensual
CAT
Mes
Capital
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
1,000
976
951
924
895
864
831
796
759
719
677
631
583
532
477
418
356
290
219
143
63
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,607
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
PAGO DE UN CRDITO
OS INSOLUTOS
MERO DE PAGOS
IZACIN
$1,000
12
6.6%
79%
6.6%
20.74
-$90.00
115.7%
Intereses
66
65
63
61
59
57
55
53
50
48
45
42
39
35
32
28
24
19
14
9
4
0
0
0
0
0
0
0
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago mes
Pago Capital Nuevo saldo
-90.00
24
976
-90.00
25
951
-90.00
27
924
-90.00
29
895
-90.00
31
864
-90.00
33
831
-90.00
35
796
-90.00
37
759
-90.00
40
719
-90.00
42
677
-90.00
45
631
-90.00
48
583
-90.00
51
532
-90.00
55
477
-90.00
58
418
-90.00
62
356
-90.00
66
290
-90.00
71
219
-90.00
76
143
-90.00
81
63
-90.00
86
-23
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
867
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,890
0
0
0
0
0
0
0
0
1,023
0
0
0
0
0
0
0
0
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
Capital
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
C
p=periodos de pago en el ao
i mes
i = tasa inters anual
i/p = tasa de inters por periodo
Pmt
Pago Total
Pago Capital
-41.11
36
-41.11
36
-41.11
36
-41.11
37
-41.11
37
-41.11
37
-41.11
37
-41.11
37
-41.11
38
-41.11
38
-41.11
38
-41.11
38
-41.11
38
-41.11
39
-41.11
39
-41.11
39
-41.11
39
-41.11
39
-41.11
40
-41.11
40
-41.11
40
-41.11
40
-41.11
40
-41.11
41
-41.11
41
-41.11
41
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
0
0
1,000
o en el ao
s por periodo
Nuevo saldo
Nmero pago
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0
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
Capital
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
C
n
i=t/n
t = tasa inters anual
i/p = tasa de inters por
Pmt
Pago Total
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
-41.11
0.00
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero pagos
Pago mensual
CAT
Nmero pago
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
Capital
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
N CRDITO
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago Total
Pago Capital Nuevo saldo
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero de pagos
Pago mensual
CAT
Nmero pago
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
Capital
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
PAGO DE UN CRDITO
OS INSOLUTOS
MERO DE PAGOS
IZACIN
$1,000
24
1.0%
12.0%
0.5%
26.00
-$41.11
12.7%
Intereses
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago Total
Pago Capital Nuevo saldo
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
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
Capital
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
C
p=periodos de pago en el ao
i mes
i = tasa inters anual
i/p = tasa de inters por periodo
Pmt
Pago Total
Pago Capital
-62.99
40
-62.99
41
-62.99
42
-62.99
43
-62.99
44
-62.99
45
-62.99
46
-62.99
47
-62.99
48
-62.99
49
-62.99
50
-62.99
51
-62.99
52
-62.99
54
-62.99
55
-62.99
56
-62.99
57
-62.99
59
-62.99
60
-62.99
62
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
0
0
1,000
o en el ao
s por periodo
Nuevo saldo
Nmero pago
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
0
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
Capital
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
C
n
i=t/n
t = tasa inters anual
i/p = tasa de inters por
Pmt
Pago Total
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
-62.99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero pagos
Pago por perodo
CAT
Nmero pago
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
Capital
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
878
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
N CRDITO
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago Total
Pago Capital Nuevo saldo
-62.99
40
960
-62.99
41
919
-62.99
42
878
-62.99
43
835
-62.99
44
791
-62.99
45
746
-62.99
46
701
-62.99
47
654
-62.99
48
606
-62.99
49
557
-62.99
50
507
-62.99
51
455
-62.99
52
403
-62.99
54
349
-62.99
55
294
-62.99
56
238
-62.99
57
181
-62.99
59
122
-62.99
60
62
-62.99
62
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero de pagos
Pago por perodo
CAT
Nmero pago
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
Capital
1,000
964
927
891
854
817
780
742
705
667
629
591
553
515
476
437
399
359
320
281
241
201
161
121
81
40
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
PAGO DE UN CRDITO
OS INSOLUTOS
MERO DE PAGOS
IZACIN
$1,000
26
1.0%
12.0%
0.5%
26
-$40.92
12.7%
Intereses
5
4
4
4
4
4
4
3
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
1
0
0
0
0
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago Total
Pago Capital Nuevo saldo
-40.92
36
964
-40.92
36
927
-40.92
37
891
-40.92
37
854
-40.92
37
817
-40.92
37
780
-40.92
37
742
-40.92
37
705
-40.92
38
667
-40.92
38
629
-40.92
38
591
-40.92
38
553
-40.92
38
515
-40.92
39
476
-40.92
39
437
-40.92
39
399
-40.92
39
359
-40.92
39
320
-40.92
39
281
-40.92
40
241
-40.92
40
201
-40.92
40
161
-40.92
40
121
-40.92
40
81
-40.92
41
40
-40.92
41
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,064
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
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
Capital
$1,000
52
5.0%
60.0%
1.2%
25
-$46.27
81.6%
Intereses
1,000
965
930
895
859
822
785
748
711
673
634
595
556
516
475
435
393
352
309
267
224
180
136
91
46
0
0
0
12
11
11
10
10
9
9
9
8
8
7
7
6
6
5
5
5
4
4
3
3
2
2
1
1
0
0
0
C
p=periodos de pago en el ao
i mes
i = tasa inters anual
i/p = tasa de inters por periodo
Pmt
Pago Total
Pago Capital
-46.27
35
-46.27
35
-46.27
36
-46.27
36
-46.27
36
-46.27
37
-46.27
37
-46.27
38
-46.27
38
-46.27
39
-46.27
39
-46.27
39
-46.27
40
-46.27
40
-46.27
41
-46.27
41
-46.27
42
-46.27
42
-46.27
43
-46.27
43
-46.27
44
-46.27
44
-46.27
45
-46.27
45
-46.27
46
0.00
0
0.00
0
0.00
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,156.87
0
0
0
0
0
0
0
0
1,000
o en el ao
s por periodo
Nuevo saldo
Nmero pago
965
930
895
859
822
785
748
711
673
634
595
556
516
475
435
393
352
309
267
224
180
136
91
46
0
0
0
0
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
Capital
$1,000
52
-19.5%
-233.7%
-4.5%
22
-$25.68
-90.8%
Intereses
1,000
929
862
798
736
677
621
568
516
467
421
376
334
293
254
217
182
148
115
85
55
27
0
0
0
0
0
0
-45
-42
-39
-36
-33
-30
-28
-26
-23
-21
-19
-17
-15
-13
-11
-10
-8
-7
-5
-4
-2
-1
0
0
0
0
0
0
C
n
i=t/n
t = tasa inters anual
i/p = tasa de inters por
Pmt
Pago Total
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
-25.68
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-564.96
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero pagos
Pago por perodo
CAT
Nmero pago
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
Capital
$516
52
5.0%
60.0%
1.2%
23
-$25.68
81.6%
Intereses
516
496
476
456
436
415
394
373
352
330
308
286
264
241
218
195
172
148
124
100
75
50
25
0
0
0
0
0
6
6
5
5
5
5
5
4
4
4
4
3
3
3
3
2
2
2
1
1
1
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
N CRDITO
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago Total
Pago Capital Nuevo saldo
-25.68
20
496
-25.68
20
476
-25.68
20
456
-25.68
20
436
-25.68
21
415
-25.68
21
394
-25.68
21
373
-25.68
21
352
-25.68
22
330
-25.68
22
308
-25.68
22
286
-25.68
22
264
-25.68
23
241
-25.68
23
218
-25.68
23
195
-25.68
23
172
-25.68
24
148
-25.68
24
124
-25.68
24
100
-25.68
25
75
-25.68
25
50
-25.68
25
25
-25.68
25
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero de pagos
Pago por perodo
CAT
Nmero pago
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
Capital
516
496
476
456
436
415
394
373
352
330
308
286
264
241
218
195
172
148
124
100
75
50
25
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-590.64
0
0
0
0
0
0
0
0
516
0
0
0
0
0
0
0
0
29
30
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
PAGO DE UN CRDITO
OS INSOLUTOS
MERO DE PAGOS
IZACIN
$516
52
5.0%
60.0%
1.2%
23
-$25.68
81.6%
Intereses
6
6
5
5
5
5
5
4
4
4
4
3
3
3
3
2
2
2
1
1
1
1
0
0
0
0
0
0
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
i/p = tasa de inters por periodo
n
P
Pago Total
Pago Capital Nuevo saldo
-25.68
20
496
-25.68
20
476
-25.68
20
456
-25.68
20
436
-25.68
21
415
-25.68
21
394
-25.68
21
373
-25.68
21
352
-25.68
22
330
-25.68
22
308
-25.68
22
286
-25.68
22
264
-25.68
23
241
-25.68
23
218
-25.68
23
195
-25.68
23
172
-25.68
24
148
-25.68
24
124
-25.68
24
100
-25.68
25
75
-25.68
25
50
-25.68
25
25
-25.68
25
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-590.64
0
0
0
0
0
0
0
0
516
0
0
0
0
0
0
0
0
Capital
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
1,000
917
833
750
667
583
500
417
333
250
167
83
0
0
0
0
0
0
0
0
0
0
0
0
0
$1,000
12
8.1%
97.1%
8.1%
12
$83.33
C
i=t/n
tasa inters por periodo
t = tasa inters anual
n
81
74
67
61
54
47
40
34
27
20
13
7
0
0
0
0
0
0
0
0
0
0
0
0
0
Pago mes
164.25
157.51
150.76
144.02
137.28
130.53
123.79
117.05
110.31
103.56
96.82
90.08
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
526
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-525.96
http://www.banxico.org.mx/CAT/index.html
Saldo
916.67
833.33
750.00
666.67
583.33
500.00
416.67
333.33
250.00
166.67
83.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TABLA DE AMORTIZACIN
Crdito
Perodos de pago en ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters periodo
Nmero pagos del crdito
Pago fijo capital por periodo
Mes
Capital
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
1,000
967
933
900
867
833
800
767
733
700
667
633
600
567
533
500
467
433
400
367
333
300
267
233
200
$1,000
24
8.0%
96.0%
4.0%
30
$33.33
Pago Capital
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
167
133
100
67
33
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
33.33
33.33
33.33
33.33
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
UN CRDITO
DE CAPITAL
C
i=t/n
tasa inters por periodo
t = tasa inters anual
n
Intereses
81
78
76
73
70
67
65
62
59
57
54
51
49
46
43
40
38
35
32
30
27
24
22
19
16
Pago mes
114.25
111.55
108.86
106.16
103.46
100.76
98.07
95.37
92.67
89.98
87.28
84.58
81.88
79.19
76.49
73.79
71.09
68.40
65.70
63.00
60.31
57.61
54.91
52.21
49.52
Saldo
966.67
933.33
900.00
866.67
833.33
800.00
766.67
733.33
700.00
666.67
633.33
600.00
566.67
533.33
500.00
466.67
433.33
400.00
366.67
333.33
300.00
266.67
233.33
200.00
166.67
13
11
8
5
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,254
46.82
44.12
41.43
38.73
36.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,254.21
133.33
100.00
66.67
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital
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
1,000
964
929
893
857
821
786
750
714
679
643
607
571
536
500
464
429
393
357
321
286
250
214
179
143
$1,000
26
8.0%
96.0%
3.7%
28
$35.71
C
i=t/n
tasa inters por periodo
t = tasa inters anual
n
81
78
75
72
69
66
64
61
58
55
52
49
46
43
40
38
35
32
29
26
23
20
17
14
12
Pago mes
116.63
113.74
110.85
107.96
105.07
102.18
99.29
96.40
93.51
90.62
87.73
84.84
81.95
79.06
76.17
73.28
70.39
67.50
64.61
61.72
58.83
55.94
53.05
50.16
47.27
Saldo
964.29
928.57
892.86
857.14
821.43
785.71
750.00
714.29
678.57
642.86
607.14
571.43
535.71
500.00
464.29
428.57
392.86
357.14
321.43
285.71
250.00
214.29
178.57
142.86
107.14
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
107
71
36
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
35.71
35.71
35.71
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9
6
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,173
44.38
41.49
38.60
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,173.29
71.43
35.71
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital
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
1,000
978
956
933
911
889
867
844
822
800
778
756
733
711
689
667
644
622
600
578
556
533
511
489
467
$1,000
52
8.0%
96.0%
1.8%
45
$22.22
Pago Capital
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
444
422
400
378
356
333
311
289
267
244
222
200
178
156
133
111
89
67
44
22
0
0
0
0
0
0
0
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,000
UN CRDITO
DE CAPITAL
C
i=t/n
tasa inters por periodo
t = tasa inters anual
n
Intereses
81
79
77
76
74
72
70
68
67
65
63
61
59
58
56
54
52
50
49
47
45
43
41
40
38
Pago mes
103.14
101.34
99.54
97.74
95.95
94.15
92.35
90.55
88.75
86.96
85.16
83.36
81.56
79.76
77.96
76.17
74.37
72.57
70.77
68.97
67.18
65.38
63.58
61.78
59.98
Saldo
977.78
955.56
933.33
911.11
888.89
866.67
844.44
822.22
800.00
777.78
755.56
733.33
711.11
688.89
666.67
644.44
622.22
600.00
577.78
555.56
533.33
511.11
488.89
466.67
444.44
36
34
32
31
29
27
25
23
22
20
18
16
14
13
11
9
7
5
4
2
0
0
0
0
0
0
0
1,861
58.19
56.39
54.59
52.79
50.99
49.19
47.40
45.60
43.80
42.00
40.20
38.41
36.61
34.81
33.01
31.21
29.41
27.62
25.82
24.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-2,861.08
422.22
400.00
377.78
355.56
333.33
311.11
288.89
266.67
244.44
222.22
200.00
177.78
155.56
133.33
111.11
88.89
66.67
44.44
22.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pago Mensual
$1,050.00
$537.80
$367.21
$282.01
$230.97
$197.02
$172.82
$154.72
$140.69
$129.50
$120.39
$112.83
$106.46
$101.02
$96.34
$92.27
$88.70
$85.55
$82.75
$80.24
$78.00
$75.97
$74.14
$72.47
5.0%
60.0%
1,000
1200
1000
800
600
400
200
Pago Mensual
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
23
24
Crdito
Pago Mensual
Corresponde a tasa mensual del 5%
para un crdito a 12 meses
Nmero pagos
Meses
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
1,000
-112.83
Tasa de Inters
Mensual
0.3%
2.3%
3.8%
5.0%
6.0%
6.8%
7.4%
8.0%
8.4%
8.8%
9.1%
9.4%
9.7%
9.9%
10.0%
10.2%
Tasa de In
0.12
0.1
0.08
0.06
0.04
0.02
0
9
10
11
12
13
14
15
11
12
13
14
15
16
17
18
19
20
21
22
23
24
POLTICA DE CRDITO
0-5
6-8
Arraigo Domiciliario
< 1 ao
1 a 2 aos
Estabilidad Laboral
Aos en empleo actual
< 1 ao
1 a 2 aos
< 1 ao
2 aos
Estudio socioeconmico*
Pago este crdito / Ingresos
<20% a 15%
<20% a 15%
Crdito / Garanta
<40% -30%
Bur de Crdito
AVAL
Pago este crdito / Ingresos
<20% a 15%
Crdito / Garanta
<40% -30%
0-5
6-8
Rechazo
Comit
7.7
PROMEDIO
Nota: Las calificaciones se pueden ponderar para darle diferente peso especfico a cada concepto
9 - 10
Calificacin
> 2 aos
> 2 aos
> 2 aos
No aplica
gencia Calificadora
< 15%
< 15%
<30%
8
8
< 15%
<30%
x
7.7
9 - 10
Aprobacin