Diplomado en Evaluacin Financiera de Proyectos

Mdulo I - Nivelacin en Matemtica Financiera

Conferencista: Luis Fernando Gmez

EJERCICIO DE TABLAS DE AMORTIZACION

1.417% tasa de inters mensual monto 1000 Interes Anual

N = 12

periodos inicial inters amort cuota final Seg de Des. Cuota ToTal
0 1000
1 1000 14.17 77.04 91.20 922.96 0.70 91.90
2 922.96 13.08 78.13 91.20 844.83 0.65 91.85
3 844.83 11.97 79.24 91.20 765.60 0.59 91.80
4 765.60 10.85 80.36 91.20 685.24 0.54 91.74
5 685.24 9.71 81.50 91.20 603.74 0.48 91.68
6 603.74 8.55 82.65 91.20 521.09 0.42 91.63
7 521.09 7.38 83.82 91.20 437.27 0.36 91.57
8 437.27 6.19 85.01 91.20 352.26 0.31 91.51
9 352.26 4.99 86.21 91.20 266.04 0.25 91.45
10 266.04 3.77 87.44 91.20 178.61 0.19 91.39
11 178.61 2.53 88.67 91.20 89.93 0.13 91.33
12 89.93 1.27 89.93 91.20 0.00 0.06 91.27

Pgina 1 de 5
 periodos inicial inters amort cuota final Seg de Des.
0 300
1 300 4.25 23.11 27.36 276.89 0.21
2 276.89 3.92 23.44 27.36 253.45 0.19
3 253.45 3.59 23.77 27.36 229.68 0.18
4 229.68 3.25 24.11 27.36 205.57 0.16
500 Bs 5 205.57 2.91 24.45 27.36 181.12 0.14
6 681.12 9.65 52.47 62.12 628.65 0.48
7 628.65 8.91 53.22 62.12 575.43 0.44
8 575.43 8.15 53.97 62.12 521.46 0.40
9 521.46 7.39 54.73 62.12 466.73 0.37
10 466.73 6.61 55.51 62.12 411.22 0.33
11 411.22 5.83 56.30 62.12 354.92 0.29
12 354.92 5.03 57.09 62.12 297.83 0.25
13 297.83 4.22 57.90 62.12 239.93 0.21
14 239.93 3.40 58.72 62.12 181.21 0.17
15 181.21 2.57 59.55 62.12 121.65 0.13
16 121.65 1.72 60.40 62.12 61.25 0.09
17 61.25 0.87 61.25 62.12 0.00 0.04
Cuota ToTal
Saldo capital 181.12
27.57 Nuevo retiro 500
27.56 Nuevo saldo 681.12
27.54
27.52
27.51
62.60
62.56
62.52
62.49
62.45
62.41
62.37
62.33
62.29
62.25
62.21
62.16
 periodos inicial inters amort cuota final Seg de Des.
0 1000
1 1000 14.17 77.04 91.20 922.96 0.7
2 922.96 13.08 78.13 91.20 844.83 0.65
3 844.83 11.97 79.24 91.20 765.60 0.59
600 4 765.60 10.85 588.61 599.46 176.99 0.54
5 176.99 2.51 13.63 16.14 163.36 0.12
6 163.36 2.31 13.83 16.14 149.53 0.11
7 149.53 2.12 14.02 16.14 135.50 0.10
8 135.50 1.92 14.22 16.14 121.28 0.09
9 121.28 1.72 14.42 16.14 106.86 0.08
10 106.86 1.51 14.63 16.14 92.23 0.07
11 92.23 1.31 14.84 16.14 77.39 0.06
12 77.39 1.10 15.05 16.14 62.35 0.05
13 62.35 0.88 15.26 16.14 47.09 0.04
14 47.09 0.67 15.48 16.14 31.61 0.03
15 31.61 0.45 15.69 16.14 15.92 0.02
16 15.92 0.23 15.92 16.14 0.00 0.01
Cuota ToTal
Cuota total 600
91.90 Seg de desgrav 0.54
91.85 Cuota 599.46
91.80 Interes 10.85
600.00 Capital 588.61
16.27
16.26
16.25 Saldo anterior 765.6
16.24 Amor Capital 588.61
16.23 Saldo Actual 176.99
16.22
16.21
16.20
16.19
16.18
16.16
16.15