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i: 8.62%.....0.0862/4
n: 2 aos. 2 x 4 = 8
Calculamos el pago peridico
R: A
i
1-(1 + i)-n
R: 153000 0.0862/4
1-(1 + 0.0862/4)-8
R: 21,025.76 pago peridico
n pago
pago R
princial
principal
pagado
insuluto
21025.76
3297.15
17728.61
21025.76
2915.10
18110.66
153000
135271.3
9
117160.7
3
21025.76
2524.81
18500.95
98659.78
21025.76
2126.12
18899.64
79760.14
21025.76
1718.83
19306.93
60453.21
21025.76
1302.77
19722.99
40730.22
21025.76
877.74
20148.02
20582.2
21025.74
443.55
20582.19
0.00
i: 0.01217013778
Calculamos el pago peridico
R: A
i
1-(1 + i)-n
R: 32000 0.01217013778
1-(1 + 0.01217013778)-12
R: 25400.20121 pago peridico
n pago
pago R
princial
principal
pagado
insuluto
25400.21
3431.98
21968.23
25400.21
3164.62
22235.59
25400.21
2894.01
22506.20
25400.21
2620.11
22780.10
25400.21
2342.87
23057.34
25400.21
2062.26
23337.95
25400.21
1778.23
23621.98
282000
260031.7
7
237796.1
8
215289.9
8
192509.8
8
169452.5
4
146114.5
9
122492.6
2
25400.21
1490.75
23909.46
98583.16
25400.21
1199.77
24200.44
74382.72
10
25400.21
905.25
24494.96
49887.76
11
25400.21
607.14
24793.07
25094.69
12
25400.10
305.41
25094.69
0.00
R: 32000
0.0787/12
1-(1 + 0.0787/12)-72
R: 559.04 pago peridico
Calculamos el valor principal
P: A (1 + i) n
P: 32000(1 + 0.0787/12) 10P: 34161.6993
i
S: 599.49 (1 + 0.0987/12) 24-1
0.0987/12
S: 15834.41159
El principal insoluto al primer ao
34448.1199 15834.41159= 18608.71
Entonces
23694.69 18613.71 = 5080.98 primer insoluto del segundo ao
El principal total pagado al segundo ao ser
12 x 599.49 = 7193.885080.98
2112.90 ser lo intereses totales en el segundo ao
pago R
1096.69
983.90
1096.69
982.96
1096.69
982.02
principal
pagado
principal
insoluto
118900
118787.
112.79
21
118673.
113.73
48
118558.
114.67
81
273
274
275
276
1096.69
1096.69
1096.66
26.78
17.93
9.00
.
1069.91
1078.76
1087.66
3236.34
2166.43
1087.66
0.00