CENTRUM

Matemticas Financieras
Profesor: Alfredo Vento Ortiz

SISTEMAS DE AMORTIZACIN

Principal 12,000 Transformar la tasa efectiva

Plazo (meses 6
Tasa (TEA) 15% TEM
Modalidad Sist. Francs (Cuotas constantes)

Mes Saldo Inters Amortizacin Cuota

0 12,000.00
1 12,000.00
2
3
4
5
6

Principal 12,000 Calcular la cuota con la funcin PAGO

Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12,000
1 12,000 2,082.80
2
3
4
5
6
Principal 12,000 Copiar el valor de la cuota en celda siguiente
Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12,000
1 12,000 2,082.80
2 2,082.80
3
4
5
6

Principal 12,000 Jalar formula en casilleros siguientes

Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12,000
1 12,000 2,082.80
2 2,082.80
3 2,082.80
4 2,082.80
5 2,082.80
6 2,082.80

Principal 12,000 Calcular el inters del mes 1

Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 2,082.80
2 2,082.80
3 2,082.80
 4 2,082.80
5 2,082.80
6 2,082.80

Principal 12,000 Calcular la amortizacin del mes 1

Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1,942.22 2,082.80
2 2,082.80
3 2,082.80
4 2,082.80
5 2,082.80
6 2,082.80

Principal 12,000 Calcular el saldo del mes 2

Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 2,082.80
3 2,082.80
4 2,082.80
5 2,082.80
6 2,082.80

Principal 12,000 Jalar las formulas

Plazo (meses 6
Tasa (TEA) 0.15 TEM 1.1715%
Modalidad Sist. Francs
Mes Saldo Inters Amortizacin Cuota
0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 94.81 1987.99 2,082.80
4 6104.81 71.52 2011.28 2,082.80
5 4093.53 47.96 2034.84 2,082.80
6 2058.68 24.12 2058.68 2,082.80
12000.00
CENTRUM
Matemticas Financieras
Profesor: Alfredo Vento Ortiz

SISTEMAS DE AMORTIZACIN

Principal 12,000
Plazo (meses 6
TEA 15% TEM 1.1715% Cuota 2,082.80
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 94.81 1987.99 2,082.80
4 6104.81 71.52 2011.28 2,082.80
5 4093.53 47.96 2034.84 2,082.80
6 2058.68 24.12 2058.68 2,082.80
12000.00

Problema: Si la tasa cambia a 20% TEA a partir del mes 3, determine el importe de la nueva cuota

Solucuin

Ello significa que a partir del mes 3 habr una nueva cuota, sta la calculamos con el saldo al comenzar
el mes 3 que es 8092,80 y la nueva TEM, utilizamos la funcin Pago para el recalculo de la cuota

Principal 12,000
Plazo (meses 6
TEA 20%
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80
4
5
6
Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 2,101.22
4
5
6

Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 2,101.22
4 2,101.22
5
6

Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 2,101.22
4 2,101.22
5 2,101.22
6 2,101.22
Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 123.90 2,101.22
4 2,101.22
5 2,101.22
6 2,101.22

Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 123.90 2,101.22
4 2,101.22
5 2,101.22
6 2,101.22

Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota

0 12000
1 12000 140.58 1942.22 2,082.80
2 10057.78 117.83 1964.97 2,082.80
3 8092.80 123.90 1977.33 2,101.22
4 6115.48 93.62 2007.60 2,101.22
5 4107.88 62.89 2038.34 2,101.22
 6 2069.54 31.68 2069.54 2,101.22
12000.00

Principal 12,000
Plazo (meses 6
Nueva TEA 20% TEM 1.5309% Cuota 2,101.22
Modalidad Sist. Francs

Mes Saldo Inters Amortizacin Cuota FCN

0 12000 12000
1 12000 140.58 1942.22 2,082.80 -2,082.80
2 10057.78 117.83 1964.97 2,082.80 -2,082.80
3 8092.80 123.90 1977.33 2,101.22 -2,101.22
4 6115.48 93.62 2007.60 2,101.22 -2,101.22
5 4107.88 62.89 2038.34 2,101.22 -2,101.22
6 2069.54 31.68 2069.54 2,101.22 -2,101.22
12000.00 TCC a.i. (TEM) 1.3411%
TCC a.i. (TEA) 17.3349%
Considerar como un nuevo prstamo
 PREGUNTA A

PRINCIPAL 23000
CUOTAS MENSUAL 23
TES 12% TEM
CUOTAS MENSUAL 1244.61

NUMERO CUOTA MES PRINCIPAL AMORTIZACION

0 23000 0
1 23000 0
2 23000 0
0 3 23000 0
1 4 22193.95 806.05
0 2 5 21372.52 821.42
1 3 6 20535.44 837.09
2 4 7 19682.39 853.05
3 5 8 18813.08 869.31
4 6 9 17927.19 885.89
5 7 10 17024.41 902.78
6 8 11 16104.42 919.99
0 7 9 12 15166.88 937.54
1 8 10 13 14211.47 955.41
2 9 11 14 13237.84 973.63
3 10 12 15 12245.65 992.19
4 11 13 16 11234.54 1011.11
5 12 14 17 10204.14 1030.39
6 13 15 18 9154.10 1050.04
7 14 16 19 8084.04 1070.06
8 15 17 20 6993.58 1090.46
9 16 18 21 5882.32 1111.26
10 17 19 22 4749.87 1132.45
11 18 20 23 3595.83 1154.04
12 19 21 24 2419.79 1176.04
13 20 22 25 1221.32 1198.47
14 21 23 26 -0.00 1221.32
0.01906762

INTERES CUOTA
0 0
0 0
0 0
0 0
438.56 1244.61
423.19 1244.61 MES 5
407.52 1244.61
391.56 1244.61
375.30 1244.61
358.72 1244.61
341.83 1244.61
324.62 1244.61
307.07 1244.61 PREPAGO 4500
289.20 1244.61
270.98 1244.61 PREPAGO 5000
252.41 1244.61
233.50 1244.61
214.22 1244.61
194.57 1244.61
174.55 1244.61
154.14 1244.61
133.35 1244.61
112.16 1244.61
90.57 1244.61
68.56 1244.61
46.14 1244.61
23.29 1244.61