prestamos.

xls
INTEGRANTE CERRINOS BARROSOS MARYLIN
VASQUEZ BACILIO EVELYN
NOLASCO MALDONADO ARNOLD
MARTINEZ VELASQUEZ MOISES

Prstamo Francs a=cte.

Elaborar el cuadro de amortizacin de un prstamo francs con las siguientes caractersticas:

Principal S/.100,000.00
Duracin 10 aos
Tipo inters 5% anual

Ao Anualidad C. Intereses C. Amortizacin Cap. Vivo Cap. Amortizado

0 S/.100,000.00
1 S/.12,950.46 S/.5,000.00 S/.7,950.46 S/.92,049.54 S/.7,950.46
2 S/.12,950.46 S/.4,602.48 S/.8,347.98 S/.83,701.56 S/.16,298.44
3 S/.12,950.46 S/.4,185.08 S/.8,765.38 S/.74,936.18 S/.25,063.82
4 S/.12,950.46 S/.3,746.81 S/.9,203.65 S/.65,732.53 S/.34,267.47
5 S/.12,950.46 S/.3,286.63 S/.9,663.83 S/.56,068.70 S/.43,931.30
6 S/.12,950.46 S/.2,803.44 S/.10,147.02 S/.45,921.68 S/.54,078.32
7 S/.12,950.46 S/.2,296.08 S/.10,654.37 S/.35,267.31 S/.64,732.69
8 S/.12,950.46 S/.1,763.37 S/.11,187.09 S/.24,080.22 S/.75,919.78
9 S/.12,950.46 S/.1,204.01 S/.11,746.45 S/.12,333.77 S/.87,666.23
10 S/.12,950.46 S/.616.69 S/.12,333.77 S/.0.00 S/.100,000.00
Prstamo Francs semestral
Elaborar el cuadro de amortizacin de un prstamo francs con las siguientes caractersticas:
Principal S/.50,000.00
Duracin 10 aos
Tipo inters 5% efectivo anual
Trmino amortizativo semestral
Tipo int. 4.94% nominal
Tipo int. 2.47% efectivo semestral

semestre cuota Intereses Amortizacin Cap. Vivo Cap. Amortizado

0 S/.50,000.00
1 S/.3,198.13 S/.1,234.75 S/.1,963.37 S/.48,036.63 S/.1,963.37
2 S/.3,198.13 S/.1,186.27 S/.2,011.86 S/.46,024.77 S/.3,975.23
3 S/.3,198.13 S/.1,136.59 S/.2,061.54 S/.43,963.23 S/.6,036.77
4 S/.3,198.13 S/.1,085.68 S/.2,112.45 S/.41,850.78 S/.8,149.22
5 S/.3,198.13 S/.1,033.51 S/.2,164.62 S/.39,686.16 S/.10,313.84
6 S/.3,198.13 S/.980.05 S/.2,218.07 S/.37,468.09 S/.12,531.91
7 S/.3,198.13 S/.925.28 S/.2,272.85 S/.35,195.24 S/.14,804.76
8 S/.3,198.13 S/.869.15 S/.2,328.98 S/.32,866.27 S/.17,133.73
9 S/.3,198.13 S/.811.63 S/.2,386.49 S/.30,479.78 S/.19,520.22
10 S/.3,198.13 S/.752.70 S/.2,445.42 S/.28,034.35 S/.21,965.65
11 S/.3,198.13 S/.692.31 S/.2,505.81 S/.25,528.54 S/.24,471.46
12 S/.3,198.13 S/.630.43 S/.2,567.70 S/.22,960.84 S/.27,039.16
13 S/.3,198.13 S/.567.02 S/.2,631.11 S/.20,329.73 S/.29,670.27
14 S/.3,198.13 S/.502.04 S/.2,696.08 S/.17,633.65 S/.32,366.35
15 S/.3,198.13 S/.435.46 S/.2,762.66 S/.14,870.99 S/.35,129.01
16 S/.3,198.13 S/.367.24 S/.2,830.89 S/.12,040.11 S/.37,959.89
17 S/.3,198.13 S/.297.33 S/.2,900.79 S/.9,139.31 S/.40,860.69
18 S/.3,198.13 S/.225.70 S/.2,972.43 S/.6,166.88 S/.43,833.12
19 S/.3,198.13 S/.152.29 S/.3,045.83 S/.3,121.05 S/.46,878.95
20 S/.3,198.13 S/.77.07 S/.3,121.05 S/.0.00 S/.50,000.00
ntes caractersticas:
 3. se obtiene un prestamo por s/ 40000 a una tasa efectiva de 12%
anual, el cual se cancelar en 2 aos, pagos mensuales. elaborar
el cuadro de amortizacion con el metodo frances y aleman.

principal S/.40,000.00
aos 2
tasa de int. 12% efectiva anual
tasa de int. 11.39% nominal
tasa de int. 0.95% efectiva mensual

MTODO FRANCS
mes cuota interes amortizacion cap. Vivo cap. Amortizado
0 S/.40,000.00
1 S/.1,871.50 S/.379.55 S/.1,491.95 S/.38,508.05 S/.1,491.95
2 S/.1,871.50 S/.365.39 S/.1,506.11 S/.37,001.95 S/.2,998.05
3 S/.1,871.50 S/.351.10 S/.1,520.40 S/.35,481.55 S/.4,518.45
4 S/.1,871.50 S/.336.68 S/.1,534.82 S/.33,946.73 S/.6,053.27
5 S/.1,871.50 S/.322.11 S/.1,549.39 S/.32,397.34 S/.7,602.66
6 S/.1,871.50 S/.307.41 S/.1,564.09 S/.30,833.25 S/.9,166.75
7 S/.1,871.50 S/.292.57 S/.1,578.93 S/.29,254.32 S/.10,745.68
8 S/.1,871.50 S/.277.59 S/.1,593.91 S/.27,660.41 S/.12,339.59
9 S/.1,871.50 S/.262.46 S/.1,609.04 S/.26,051.37 S/.13,948.63
10 S/.1,871.50 S/.247.20 S/.1,624.30 S/.24,427.07 S/.15,572.93
11 S/.1,871.50 S/.231.78 S/.1,639.72 S/.22,787.35 S/.17,212.65
12 S/.1,871.50 S/.216.22 S/.1,655.28 S/.21,132.08 S/.18,867.92
13 S/.1,871.50 S/.200.52 S/.1,670.98 S/.19,461.09 S/.20,538.91
14 S/.1,871.50 S/.184.66 S/.1,686.84 S/.17,774.26 S/.22,225.74
15 S/.1,871.50 S/.168.66 S/.1,702.84 S/.16,071.41 S/.23,928.59
16 S/.1,871.50 S/.152.50 S/.1,719.00 S/.14,352.41 S/.25,647.59
17 S/.1,871.50 S/.136.19 S/.1,735.31 S/.12,617.10 S/.27,382.90
18 S/.1,871.50 S/.119.72 S/.1,751.78 S/.10,865.32 S/.29,134.68
19 S/.1,871.50 S/.103.10 S/.1,768.40 S/.9,096.91 S/.30,903.09
20 S/.1,871.50 S/.86.32 S/.1,785.18 S/.7,311.73 S/.32,688.27
21 S/.1,871.50 S/.69.38 S/.1,802.12 S/.5,509.61 S/.34,490.39
22 S/.1,871.50 S/.52.28 S/.1,819.22 S/.3,690.39 S/.36,309.61
23 S/.1,871.50 S/.35.02 S/.1,836.48 S/.1,853.91 S/.38,146.09
24 S/.1,871.50 S/.17.59 S/.1,853.91 S/.0.00 S/.40,000.00
 MTODO ALEMN
mes cuota interes amortizacion cap. Vivo cap. Amortizado
0 S/.40,000.00
1 S/.2,046.22 S/.379.55 S/.1,666.67 S/.38,333.33 S/.1,666.67
2 S/.2,030.40 S/.363.74 S/.1,666.67 S/.36,666.67 S/.3,333.33
3 S/.2,014.59 S/.347.92 S/.1,666.67 S/.35,000.00 S/.5,000.00
4 S/.1,998.77 S/.332.11 S/.1,666.67 S/.33,333.33 S/.6,666.67
5 S/.1,982.96 S/.316.29 S/.1,666.67 S/.31,666.67 S/.8,333.33
6 S/.1,967.15 S/.300.48 S/.1,666.67 S/.30,000.00 S/.10,000.00
7 S/.1,951.33 S/.284.66 S/.1,666.67 S/.28,333.33 S/.11,666.67
8 S/.1,935.52 S/.268.85 S/.1,666.67 S/.26,666.67 S/.13,333.33
9 S/.1,919.70 S/.253.03 S/.1,666.67 S/.25,000.00 S/.15,000.00
10 S/.1,903.89 S/.237.22 S/.1,666.67 S/.23,333.33 S/.16,666.67
11 S/.1,888.07 S/.221.41 S/.1,666.67 S/.21,666.67 S/.18,333.33
12 S/.1,872.26 S/.205.59 S/.1,666.67 S/.20,000.00 S/.20,000.00
13 S/.1,856.44 S/.189.78 S/.1,666.67 S/.18,333.33 S/.21,666.67
14 S/.1,840.63 S/.173.96 S/.1,666.67 S/.16,666.67 S/.23,333.33
15 S/.1,824.81 S/.158.15 S/.1,666.67 S/.15,000.00 S/.25,000.00
16 S/.1,809.00 S/.142.33 S/.1,666.67 S/.13,333.33 S/.26,666.67
17 S/.1,793.18 S/.126.52 S/.1,666.67 S/.11,666.67 S/.28,333.33
18 S/.1,777.37 S/.110.70 S/.1,666.67 S/.10,000.00 S/.30,000.00
19 S/.1,761.55 S/.94.89 S/.1,666.67 S/.8,333.33 S/.31,666.67
20 S/.1,745.74 S/.79.07 S/.1,666.67 S/.6,666.67 S/.33,333.33
21 S/.1,729.93 S/.63.26 S/.1,666.67 S/.5,000.00 S/.35,000.00
22 S/.1,714.11 S/.47.44 S/.1,666.67 S/.3,333.33 S/.36,666.67
23 S/.1,698.30 S/.31.63 S/.1,666.67 S/.1,666.67 S/.38,333.33
24 S/.1,682.48 S/.15.81 S/.1,666.67 S/.0.00 S/.40,000.00
 4. Se solicita un prestamo hipotecario de s/ 200 000 para una vivienda con
un plazo de 36 meses, a una tasa nominal de 17%. construir la tabla de
amortizacion utilizando el sistema aleman.

prestamo S/.200,000.00
plazo 36 meses
tasa int. 17% nominal
tasa int. 1.42% efectiva mensual

mes cuota interes amortizacion cap. Vivo

0 S/.200,000.00
1 S/.8,388.89 S/.2,833.33 S/.5,555.56 S/.194,444.44
2 S/.8,310.19 S/.2,754.63 S/.5,555.56 S/.188,888.89
3 S/.8,231.48 S/.2,675.93 S/.5,555.56 S/.183,333.33
4 S/.8,152.78 S/.2,597.22 S/.5,555.56 S/.177,777.78
5 S/.8,074.07 S/.2,518.52 S/.5,555.56 S/.172,222.22
6 S/.7,995.37 S/.2,439.81 S/.5,555.56 S/.166,666.67
7 S/.7,916.67 S/.2,361.11 S/.5,555.56 S/.161,111.11
8 S/.7,837.96 S/.2,282.41 S/.5,555.56 S/.155,555.56
9 S/.7,759.26 S/.2,203.70 S/.5,555.56 S/.150,000.00
10 S/.7,680.56 S/.2,125.00 S/.5,555.56 S/.144,444.44
11 S/.7,601.85 S/.2,046.30 S/.5,555.56 S/.138,888.89
12 S/.7,523.15 S/.1,967.59 S/.5,555.56 S/.133,333.33
13 S/.7,444.44 S/.1,888.89 S/.5,555.56 S/.127,777.78
14 S/.7,365.74 S/.1,810.19 S/.5,555.56 S/.122,222.22
15 S/.7,287.04 S/.1,731.48 S/.5,555.56 S/.116,666.67
16 S/.7,208.33 S/.1,652.78 S/.5,555.56 S/.111,111.11
17 S/.7,129.63 S/.1,574.07 S/.5,555.56 S/.105,555.56
18 S/.7,050.93 S/.1,495.37 S/.5,555.56 S/.100,000.00
19 S/.6,972.22 S/.1,416.67 S/.5,555.56 S/.94,444.44
20 S/.6,893.52 S/.1,337.96 S/.5,555.56 S/.88,888.89
21 S/.6,814.81 S/.1,259.26 S/.5,555.56 S/.83,333.33
22 S/.6,736.11 S/.1,180.56 S/.5,555.56 S/.77,777.78
23 S/.6,657.41 S/.1,101.85 S/.5,555.56 S/.72,222.22
24 S/.6,578.70 S/.1,023.15 S/.5,555.56 S/.66,666.67
25 S/.6,500.00 S/.944.44 S/.5,555.56 S/.61,111.11
26 S/.6,421.30 S/.865.74 S/.5,555.56 S/.55,555.56
27 S/.6,342.59 S/.787.04 S/.5,555.56 S/.50,000.00
28 S/.6,263.89 S/.708.33 S/.5,555.56 S/.44,444.44
29 S/.6,185.19 S/.629.63 S/.5,555.56 S/.38,888.89
30 S/.6,106.48 S/.550.93 S/.5,555.56 S/.33,333.33
31 S/.6,027.78 S/.472.22 S/.5,555.56 S/.27,777.78
32 S/.5,949.07 S/.393.52 S/.5,555.56 S/.22,222.22
33 S/.5,870.37 S/.314.81 S/.5,555.56 S/.16,666.67
34 S/.5,791.67 S/.236.11 S/.5,555.56 S/.11,111.11
35 S/.5,712.96 S/.157.41 S/.5,555.56 S/.5,555.56
36 S/.5,634.26 S/.78.70 S/.5,555.56 S/.0.00
enda con
bla de

cap. Amortizado

S/.5,555.56
S/.11,111.11
S/.16,666.67
S/.22,222.22
S/.27,777.78
S/.33,333.33
S/.38,888.89
S/.44,444.44
S/.50,000.00
S/.55,555.56
S/.61,111.11
S/.66,666.67
S/.72,222.22
S/.77,777.78
S/.83,333.33
S/.88,888.89
S/.94,444.44
S/.100,000.00
S/.105,555.56
S/.111,111.11
S/.116,666.67
S/.122,222.22
S/.127,777.78
S/.133,333.33
S/.138,888.89
S/.144,444.44
S/.150,000.00
S/.155,555.56
S/.161,111.11
S/.166,666.67
S/.172,222.22
S/.177,777.78
S/.183,333.33
S/.188,888.89
S/.194,444.44
S/.200,000.00
 5. un ingeniero obtiene un prestamo de s/ 5 000 000 el
cual debe amortizar en 12 aos, los interes aplicados
ser con el siguiente arreglo: del 1 al 4 ao una tasa
efectiva anual del 20%, del 5 al 8 ao una tasa efectiva del
15% y los aos restantes una tasa efectiva anual del 10%.

prestamo S/.5,000,000.00
aos 12
tasa de int. 20% , 15 % , 10%

aos tasa de int. cuota interes amortizacion

0
1 20% S/.1,126,324.82 S/.1,000,000.00 S/.126,324.82
2 20% S/.1,126,324.82 S/.974,735.04 S/.151,589.79
3 20% S/.1,126,324.82 S/.944,417.08 S/.181,907.75
4 20% S/.1,126,324.82 S/.908,035.53 S/.218,289.30
5 15% S/.963,133.20 S/.648,283.25 S/.314,849.95
6 15% S/.963,133.20 S/.601,055.76 S/.362,077.45
7 15% S/.963,133.20 S/.546,744.14 S/.416,389.06
8 15% S/.963,133.20 S/.484,285.78 S/.478,847.42
9 10% S/.867,457.78 S/.274,972.45 S/.592,485.34
10 10% S/.867,457.78 S/.215,723.91 S/.651,733.87
11 10% S/.867,457.78 S/.150,550.52 S/.716,907.26
12 10% S/.867,457.78 S/.78,859.80 S/.788,597.99
5 000 000 el
s aplicados
o una tasa
a efectiva del
nual del 10%.

cap. Vivo cap amortizado

S/.5,000,000.00
S/.4,873,675.18 S/.126,324.82
S/.4,722,085.39 S/.277,914.61
S/.4,540,177.64 S/.459,822.36
S/.4,321,888.34 S/.678,111.66
S/.4,007,038.39 S/.992,961.61
S/.3,644,960.94 S/.1,355,039.06
S/.3,228,571.88 S/.1,771,428.12
S/.2,749,724.46 S/.2,250,275.54
S/.2,157,239.12 S/.2,842,760.88
S/.1,505,505.25 S/.3,494,494.75
S/.788,597.99 S/.4,211,402.01
S/.0.00 S/.5,000,000.00
 6. Un pequeo empresario textil adquiere dos mquinas remalladoras y una cortadora por
para su pago en 12 cuotas mensuales uniformes. El primer pago se har un mes despus d
compra. El empresario considera que a los 5 meses puede pagar, adems de la mensua
cantidad de UM 3,290 y para saldar su deuda, le gustara seguir pagando la misma mensua
final. Este pago adicional, har que disminuya el nmero de mensualidades. Calcular e
terminar de liquidarse la deuda, la compra se llev a cabo el pasado 1 de Enero del 2003
inters es 4.5% mensual.

P= S/. 15,000.00
i= 4.50% mensual
n= 12 mesnuales (cuotas uniformes) CUOTA= S/. 1,644.99
*5to mes= S/. 3,290.00

Fecha N CUOTA INTERES AMORTIZACION SALDO

0 S/. 15,000.00
1/1/2003 1 S/. 1,644.99 S/. 675.00 S/. 969.99 S/. 14,030.01
2/1/2003 2 S/. 1,644.99 S/. 631.35 S/. 1,013.64 S/. 13,016.36
3/1/2003 3 S/. 1,644.99 S/. 585.74 S/. 1,059.26 S/. 11,957.11
4/1/2003 4 S/. 1,644.99 S/. 538.07 S/. 1,106.92 S/. 10,850.19
5/1/2003 5 S/. 1,644.99 S/. 488.26 S/. 4,446.73 S/. 6,403.45
6/1/2003 6 S/. 1,644.99 S/. 288.16 S/. 1,356.84 S/. 5,046.61
7/1/2003 7 S/. 1,644.99 S/. 227.10 S/. 1,417.90 S/. 3,628.72
8/1/2003 8 S/. 1,644.99 S/. 163.29 S/. 1,481.70 S/. 2,147.02
9/1/2003 9 S/. 1,644.99 S/. 96.62 S/. 1,548.38 S/. 598.64
10/1/2003 10 S/. 1,644.99 S/. 26.94 S/. 598.64 S/. 0.00
11/1/2003 11
12/1/2003 12
oras y una cortadora por UM 15,000
e har un mes despus de efectuada la
ar, adems de la mensualidad, una
agando la misma mensualidad hasta el
ensualidades. Calcular en qu mes
sado 1 de Enero del 2003 y la tasa de
7. Una persona toma un prstamo de UM 4,000 para su liquidacin en 24 amortizaciones m
iguales, con una tasa de inters del 3.85% mensual. Calcular el valor de cada cuota y elabor
cronograma de pagos.

Rpta.: El valor de cada cuota ser de UM 166.67.

P= S/. 4,000.00
i= 3.85% mensual
n= 24 mensuales (cuotas iguales)

N de cuotas PAGO INTERES AMORTIZACION CAPITAL

0 S/. 4,000.00
1 S/. 320.67 S/. 154.00 S/. 166.67 S/. 3,833.33
2 S/. 314.25 S/. 147.58 S/. 166.67 S/. 3,666.67
3 S/. 307.83 S/. 141.17 S/. 166.67 S/. 3,500.00
4 S/. 301.42 S/. 134.75 S/. 166.67 S/. 3,333.33
5 S/. 295.00 S/. 128.33 S/. 166.67 S/. 3,166.67
6 S/. 288.58 S/. 121.92 S/. 166.67 S/. 3,000.00
7 S/. 282.17 S/. 115.50 S/. 166.67 S/. 2,833.33
8 S/. 275.75 S/. 109.08 S/. 166.67 S/. 2,666.67
9 S/. 269.33 S/. 102.67 S/. 166.67 S/. 2,500.00
10 S/. 262.92 S/. 96.25 S/. 166.67 S/. 2,333.33
11 S/. 256.50 S/. 89.83 S/. 166.67 S/. 2,166.67
12 S/. 250.08 S/. 83.42 S/. 166.67 S/. 2,000.00
13 S/. 243.67 S/. 77.00 S/. 166.67 S/. 1,833.33
14 S/. 237.25 S/. 70.58 S/. 166.67 S/. 1,666.67
15 S/. 230.83 S/. 64.17 S/. 166.67 S/. 1,500.00
16 S/. 224.42 S/. 57.75 S/. 166.67 S/. 1,333.33
17 S/. 218.00 S/. 51.33 S/. 166.67 S/. 1,166.67
18 S/. 211.58 S/. 44.92 S/. 166.67 S/. 1,000.00
19 S/. 205.17 S/. 38.50 S/. 166.67 S/. 833.33
20 S/. 198.75 S/. 32.08 S/. 166.67 S/. 666.67
21 S/. 192.33 S/. 25.67 S/. 166.67 S/. 500.00
22 S/. 185.92 S/. 19.25 S/. 166.67 S/. 333.33
23 S/. 179.50 S/. 12.83 S/. 166.67 S/. 166.67
24 S/. 173.08 S/. 6.42 S/. 166.67 S/. 0.00
S/. 4,000.00
n 24 amortizaciones mensuales
de cada cuota y elabore el
8. Un empresario adquiere un prstamo de la Banca Fondista por
UM 5000,000 a reintegrar en 5 cuotas anuales, con una tasa de
inters flotante que al momento del otorgamiento es de 5.50%
anual. Pagadas las 3 primeras cuotas, la tasa de inters crece a 7.5%
anual, que se mantiene constante hasta el final. Elabore la tabla de
amortizacin.

P= S/. 5,000,000.00
i13= 5.50%
i45= 7.50%
n= 5 anuales

N CUOTA INTERES AMORTIZACION SALDO

0 S/. 5,000,000.00
1 S/. 1,275,000.00 S/. 275,000.00 S/. 1,000,000.00 S/. 4,000,000.00
2 S/. 1,220,000.00 S/. 220,000.00 S/. 1,000,000.00 S/. 3,000,000.00
3 S/. 1,165,000.00 S/. 165,000.00 S/. 1,000,000.00 S/. 2,000,000.00
4 S/. 1,150,000.00 S/. 150,000.00 S/. 1,000,000.00 S/. 1,000,000.00
5 S/. 1,075,000.00 S/. 75,000.00 S/. 1,000,000.00 S/. 0.00
S/. 5,000,000.00
 9. Con el objetivo de aplicar los conceptos vistos sobre amortizacin, tomemos como ejemplo una deu
$1.000.000, la cual debe ser cancelada en un plazo de un ao, con un inters del 31.2% anual liquidad
mensualmente.
Realicemos la amortizacin, empleando los diferentes mtodos.

P= S/. 1,000,000.00
n= 1 ao 12 meses
i= 31.20% anual 2.60% efec.mensual

TABLA DE AMORTIZACION (cuota fija o metodo Frances) TABLA DE AMORT

N CUOTA INTERES AMORTIZACION SALDO N
0 S/. 1,000,000.00 0
1 S/. 98,078.34 S/. 26,000.00 S/. 72,078.34 S/. 927,921.66 1
2 S/. 98,078.34 S/. 24,125.96 S/. 73,952.38 S/. 853,969.28 2
3 S/. 98,078.34 S/. 22,203.20 S/. 75,875.14 S/. 778,094.14 3
4 S/. 98,078.34 S/. 20,230.45 S/. 77,847.89 S/. 700,246.25 4
5 S/. 98,078.34 S/. 18,206.40 S/. 79,871.94 S/. 620,374.31 5
6 S/. 98,078.34 S/. 16,129.73 S/. 81,948.61 S/. 538,425.70 6
7 S/. 98,078.34 S/. 13,999.07 S/. 84,079.27 S/. 454,346.43 7
8 S/. 98,078.34 S/. 11,813.01 S/. 86,265.33 S/. 368,081.10 8
9 S/. 98,078.34 S/. 9,570.11 S/. 88,508.23 S/. 279,572.86 9
10 S/. 98,078.34 S/. 7,268.89 S/. 90,809.45 S/. 188,763.42 10
11 S/. 98,078.34 S/. 4,907.85 S/. 93,170.49 S/. 95,592.92 11
12 S/. 98,078.34 S/. 2,485.42 S/. 95,592.92 S/. - 12
os como ejemplo una deuda por valor de
s del 31.2% anual liquidado

TABLA DE AMORTIZACION (amortizacion fija o metodo Alemn)

CUOTA INTERES AMORTIZACION SALDO
S/. 1,000,000.00
S/. 109,333.33 S/. 26,000.00 S/. 83,333.33 S/. 916,666.67
S/. 107,166.67 S/. 23,833.33 S/. 83,333.33 S/. 833,333.33
S/. 105,000.00 S/. 21,666.67 S/. 83,333.33 S/. 750,000.00
S/. 102,833.33 S/. 19,500.00 S/. 83,333.33 S/. 666,666.67
S/. 100,666.67 S/. 17,333.33 S/. 83,333.33 S/. 583,333.33
S/. 98,500.00 S/. 15,166.67 S/. 83,333.33 S/. 500,000.00
S/. 96,333.33 S/. 13,000.00 S/. 83,333.33 S/. 416,666.67
S/. 94,166.67 S/. 10,833.33 S/. 83,333.33 S/. 333,333.33
S/. 92,000.00 S/. 8,666.67 S/. 83,333.33 S/. 250,000.00
S/. 89,833.33 S/. 6,500.00 S/. 83,333.33 S/. 166,666.67
S/. 87,666.67 S/. 4,333.33 S/. 83,333.33 S/. 83,333.33
S/. 85,500.00 S/. 2,166.67 S/. 83,333.33 S/. -
 10. Una persona toma un prstamo por UM 15,000 a reintegrar en 12
cuotas con un inters del 3.5% mensual. Aplicar los sistemas de
amortizacin francs y alemn.

P= S/. 15,000.00
n= 12 mensuales
i= 3.50% mensual

*CUOTA= S/. 1,552.26

TABLA DE AMORTIZACION (cuota fija o metodo Frances) TABLA DE AMORTIZACION (amortizacion fija
N PAGO INTERES AMORTIZACION SALDO N PAGO
0 S/. 15,000.00 0
1 S/. 1,552.26 S/. 525.00 S/. 1,027.26 S/. 13,972.74 1 S/. 1,775.00
2 S/. 1,552.26 S/. 489.05 S/. 1,063.21 S/. 12,909.53 2 S/. 1,731.25
3 S/. 1,552.26 S/. 451.83 S/. 1,100.43 S/. 11,809.10 3 S/. 1,687.50
4 S/. 1,552.26 S/. 413.32 S/. 1,138.94 S/. 10,670.16 4 S/. 1,643.75
5 S/. 1,552.26 S/. 373.46 S/. 1,178.80 S/. 9,491.36 5 S/. 1,600.00
6 S/. 1,552.26 S/. 332.20 S/. 1,220.06 S/. 8,271.30 6 S/. 1,556.25
7 S/. 1,552.26 S/. 289.50 S/. 1,262.76 S/. 7,008.53 7 S/. 1,512.50
8 S/. 1,552.26 S/. 245.30 S/. 1,306.96 S/. 5,701.57 8 S/. 1,468.75
9 S/. 1,552.26 S/. 199.55 S/. 1,352.70 S/. 4,348.87 9 S/. 1,425.00
10 S/. 1,552.26 S/. 152.21 S/. 1,400.05 S/. 2,948.82 10 S/. 1,381.25
11 S/. 1,552.26 S/. 103.21 S/. 1,449.05 S/. 1,499.77 11 S/. 1,337.50
12 S/. 1,552.26 S/. 52.49 S/. 1,499.77 S/. - 12 S/. 1,293.75
A DE AMORTIZACION (amortizacion fija o metodo Alemn)
INTERES AMORTIZACION SALDO
S/. 15,000.00
S/. 525.00 S/. 1,250.00 S/. 13,750.00
S/. 481.25 S/. 1,250.00 S/. 12,500.00
S/. 437.50 S/. 1,250.00 S/. 11,250.00
S/. 393.75 S/. 1,250.00 S/. 10,000.00
S/. 350.00 S/. 1,250.00 S/. 8,750.00
S/. 306.25 S/. 1,250.00 S/. 7,500.00
S/. 262.50 S/. 1,250.00 S/. 6,250.00
S/. 218.75 S/. 1,250.00 S/. 5,000.00
S/. 175.00 S/. 1,250.00 S/. 3,750.00
S/. 131.25 S/. 1,250.00 S/. 2,500.00
S/. 87.50 S/. 1,250.00 S/. 1,250.00
S/. 43.75 S/. 1,250.00 S/. -
11. USTED VA A COMPRAR UNA CASA DE $1 000,000. SI DA UN ENGANCHE DE
$100,000 E HIPOTECA EL RESTO AL 7,5 % COMPUESTO MENSUAL, CUAL SERA SU
PAGO MENSUAL SI LA HIPOTECA DEBE PAGARSE EN 5 AOS?
RESOLVER CON EL METODO FRANCES

DATOS:
MONTO: 1000000
TASA: 7.50% NOMINAL ANUAL COMPUESTO MENSUAL
PERIODO: 180 MESES

CONVERSION: 7.76326% EFECTIVO ANUAL

0.62500% EFECTIVO MENSUAL

N CUOTAS PAGOS INTERESES AMORTIZACION SALDO

0 100,000.00 900,000.00
1 $ 8,343.11 $ 5,625.00 $ 2,718.11 $ 897,281.89
2 $ 8,343.11 $ 5,608.01 $ 2,735.10 $ 894,546.79
3 $ 8,343.11 $ 5,590.92 $ 2,752.19 $ 891,794.60
4 $ 8,343.11 $ 5,573.72 $ 2,769.40 $ 889,025.20
5 $ 8,343.11 $ 5,556.41 $ 2,786.70 $ 886,238.50
6 $ 8,343.11 $ 5,538.99 $ 2,804.12 $ 883,434.38
7 $ 8,343.11 $ 5,521.46 $ 2,821.65 $ 880,612.73
8 $ 8,343.11 $ 5,503.83 $ 2,839.28 $ 877,773.45
9 $ 8,343.11 $ 5,486.08 $ 2,857.03 $ 874,916.42
10 $ 8,343.11 $ 5,468.23 $ 2,874.88 $ 872,041.54
11 $ 8,343.11 $ 5,450.26 $ 2,892.85 $ 869,148.69
12 $ 8,343.11 $ 5,432.18 $ 2,910.93 $ 866,237.75
13 $ 8,343.11 $ 5,413.99 $ 2,929.13 $ 863,308.63
14 $ 8,343.11 $ 5,395.68 $ 2,947.43 $ 860,361.20
15 $ 8,343.11 $ 5,377.26 $ 2,965.85 $ 857,395.34
16 $ 8,343.11 $ 5,358.72 $ 2,984.39 $ 854,410.95
17 $ 8,343.11 $ 5,340.07 $ 3,003.04 $ 851,407.91
18 $ 8,343.11 $ 5,321.30 $ 3,021.81 $ 848,386.10
19 $ 8,343.11 $ 5,302.41 $ 3,040.70 $ 845,345.40
20 $ 8,343.11 $ 5,283.41 $ 3,059.70 $ 842,285.70
21 $ 8,343.11 $ 5,264.29 $ 3,078.83 $ 839,206.87
22 $ 8,343.11 $ 5,245.04 $ 3,098.07 $ 836,108.80
23 $ 8,343.11 $ 5,225.68 $ 3,117.43 $ 832,991.37
24 $ 8,343.11 $ 5,206.20 $ 3,136.92 $ 829,854.46
25 $ 8,343.11 $ 5,186.59 $ 3,156.52 $ 826,697.94
26 $ 8,343.11 $ 5,166.86 $ 3,176.25 $ 823,521.69
27 $ 8,343.11 $ 5,147.01 $ 3,196.10 $ 820,325.59
28 $ 8,343.11 $ 5,127.03 $ 3,216.08 $ 817,109.51
29 $ 8,343.11 $ 5,106.93 $ 3,236.18 $ 813,873.33
30 $ 8,343.11 $ 5,086.71 $ 3,256.40 $ 810,616.93
31 $ 8,343.11 $ 5,066.36 $ 3,276.76 $ 807,340.17
32 $ 8,343.11 $ 5,045.88 $ 3,297.24 $ 804,042.94
33 $ 8,343.11 $ 5,025.27 $ 3,317.84 $ 800,725.10
34 $ 8,343.11 $ 5,004.53 $ 3,338.58 $ 797,386.52
35 $ 8,343.11 $ 4,983.67 $ 3,359.45 $ 794,027.07
36 $ 8,343.11 $ 4,962.67 $ 3,380.44 $ 790,646.63
37 $ 8,343.11 $ 4,941.54 $ 3,401.57 $ 787,245.06
38 $ 8,343.11 $ 4,920.28 $ 3,422.83 $ 783,822.23
39 $ 8,343.11 $ 4,898.89 $ 3,444.22 $ 780,378.01
40 $ 8,343.11 $ 4,877.36 $ 3,465.75 $ 776,912.26
41 $ 8,343.11 $ 4,855.70 $ 3,487.41 $ 773,424.85
42 $ 8,343.11 $ 4,833.91 $ 3,509.21 $ 769,915.64
43 $ 8,343.11 $ 4,811.97 $ 3,531.14 $ 766,384.50
44 $ 8,343.11 $ 4,789.90 $ 3,553.21 $ 762,831.30
45 $ 8,343.11 $ 4,767.70 $ 3,575.42 $ 759,255.88
46 $ 8,343.11 $ 4,745.35 $ 3,597.76 $ 755,658.12
47 $ 8,343.11 $ 4,722.86 $ 3,620.25 $ 752,037.87
48 $ 8,343.11 $ 4,700.24 $ 3,642.87 $ 748,395.00
49 $ 8,343.11 $ 4,677.47 $ 3,665.64 $ 744,729.35
50 $ 8,343.11 $ 4,654.56 $ 3,688.55 $ 741,040.80
51 $ 8,343.11 $ 4,631.51 $ 3,711.61 $ 737,329.20
52 $ 8,343.11 $ 4,608.31 $ 3,734.80 $ 733,594.39
53 $ 8,343.11 $ 4,584.96 $ 3,758.15 $ 729,836.24
54 $ 8,343.11 $ 4,561.48 $ 3,781.63 $ 726,054.61
55 $ 8,343.11 $ 4,537.84 $ 3,805.27 $ 722,249.34
56 $ 8,343.11 $ 4,514.06 $ 3,829.05 $ 718,420.29
57 $ 8,343.11 $ 4,490.13 $ 3,852.98 $ 714,567.30
58 $ 8,343.11 $ 4,466.05 $ 3,877.07 $ 710,690.24
59 $ 8,343.11 $ 4,441.81 $ 3,901.30 $ 706,788.94
60 $ 8,343.11 $ 4,417.43 $ 3,925.68 $ 702,863.26
61 $ 8,343.11 $ 4,392.90 $ 3,950.22 $ 698,913.04
62 $ 8,343.11 $ 4,368.21 $ 3,974.90 $ 694,938.14
63 $ 8,343.11 $ 4,343.36 $ 3,999.75 $ 690,938.39
64 $ 8,343.11 $ 4,318.36 $ 4,024.75 $ 686,913.65
65 $ 8,343.11 $ 4,293.21 $ 4,049.90 $ 682,863.74
66 $ 8,343.11 $ 4,267.90 $ 4,075.21 $ 678,788.53
67 $ 8,343.11 $ 4,242.43 $ 4,100.68 $ 674,687.85
68 $ 8,343.11 $ 4,216.80 $ 4,126.31 $ 670,561.54
 69 $ 8,343.11 $ 4,191.01 $ 4,152.10 $ 666,409.43
70 $ 8,343.11 $ 4,165.06 $ 4,178.05 $ 662,231.38
71 $ 8,343.11 $ 4,138.95 $ 4,204.17 $ 658,027.22
72 $ 8,343.11 $ 4,112.67 $ 4,230.44 $ 653,796.78
73 $ 8,343.11 $ 4,086.23 $ 4,256.88 $ 649,539.89
74 $ 8,343.11 $ 4,059.62 $ 4,283.49 $ 645,256.41
75 $ 8,343.11 $ 4,032.85 $ 4,310.26 $ 640,946.15
76 $ 8,343.11 $ 4,005.91 $ 4,337.20 $ 636,608.95
77 $ 8,343.11 $ 3,978.81 $ 4,364.31 $ 632,244.65
78 $ 8,343.11 $ 3,951.53 $ 4,391.58 $ 627,853.06
79 $ 8,343.11 $ 3,924.08 $ 4,419.03 $ 623,434.03
80 $ 8,343.11 $ 3,896.46 $ 4,446.65 $ 618,987.39
81 $ 8,343.11 $ 3,868.67 $ 4,474.44 $ 614,512.95
82 $ 8,343.11 $ 3,840.71 $ 4,502.41 $ 610,010.54
83 $ 8,343.11 $ 3,812.57 $ 4,530.55 $ 605,479.99
84 $ 8,343.11 $ 3,784.25 $ 4,558.86 $ 600,921.13
85 $ 8,343.11 $ 3,755.76 $ 4,587.35 $ 596,333.78
86 $ 8,343.11 $ 3,727.09 $ 4,616.03 $ 591,717.75
87 $ 8,343.11 $ 3,698.24 $ 4,644.88 $ 587,072.88
88 $ 8,343.11 $ 3,669.21 $ 4,673.91 $ 582,398.97
89 $ 8,343.11 $ 3,639.99 $ 4,703.12 $ 577,695.86
90 $ 8,343.11 $ 3,610.60 $ 4,732.51 $ 572,963.34
91 $ 8,343.11 $ 3,581.02 $ 4,762.09 $ 568,201.25
92 $ 8,343.11 $ 3,551.26 $ 4,791.85 $ 563,409.40
93 $ 8,343.11 $ 3,521.31 $ 4,821.80 $ 558,587.60
94 $ 8,343.11 $ 3,491.17 $ 4,851.94 $ 553,735.66
95 $ 8,343.11 $ 3,460.85 $ 4,882.26 $ 548,853.40
96 $ 8,343.11 $ 3,430.33 $ 4,912.78 $ 543,940.62
97 $ 8,343.11 $ 3,399.63 $ 4,943.48 $ 538,997.14
98 $ 8,343.11 $ 3,368.73 $ 4,974.38 $ 534,022.76
99 $ 8,343.11 $ 3,337.64 $ 5,005.47 $ 529,017.29
100 $ 8,343.11 $ 3,306.36 $ 5,036.75 $ 523,980.53
101 $ 8,343.11 $ 3,274.88 $ 5,068.23 $ 518,912.30
102 $ 8,343.11 $ 3,243.20 $ 5,099.91 $ 513,812.39
103 $ 8,343.11 $ 3,211.33 $ 5,131.78 $ 508,680.61
104 $ 8,343.11 $ 3,179.25 $ 5,163.86 $ 503,516.75
105 $ 8,343.11 $ 3,146.98 $ 5,196.13 $ 498,320.62
106 $ 8,343.11 $ 3,114.50 $ 5,228.61 $ 493,092.01
107 $ 8,343.11 $ 3,081.83 $ 5,261.29 $ 487,830.73
108 $ 8,343.11 $ 3,048.94 $ 5,294.17 $ 482,536.56
109 $ 8,343.11 $ 3,015.85 $ 5,327.26 $ 477,209.30
110 $ 8,343.11 $ 2,982.56 $ 5,360.55 $ 471,848.75
111 $ 8,343.11 $ 2,949.05 $ 5,394.06 $ 466,454.69
112 $ 8,343.11 $ 2,915.34 $ 5,427.77 $ 461,026.92
113 $ 8,343.11 $ 2,881.42 $ 5,461.69 $ 455,565.23
114 $ 8,343.11 $ 2,847.28 $ 5,495.83 $ 450,069.40
115 $ 8,343.11 $ 2,812.93 $ 5,530.18 $ 444,539.22
116 $ 8,343.11 $ 2,778.37 $ 5,564.74 $ 438,974.48
117 $ 8,343.11 $ 2,743.59 $ 5,599.52 $ 433,374.96
118 $ 8,343.11 $ 2,708.59 $ 5,634.52 $ 427,740.44
119 $ 8,343.11 $ 2,673.38 $ 5,669.73 $ 422,070.71
120 $ 8,343.11 $ 2,637.94 $ 5,705.17 $ 416,365.54
121 $ 8,343.11 $ 2,602.28 $ 5,740.83 $ 410,624.71
122 $ 8,343.11 $ 2,566.40 $ 5,776.71 $ 404,848.00
123 $ 8,343.11 $ 2,530.30 $ 5,812.81 $ 399,035.19
124 $ 8,343.11 $ 2,493.97 $ 5,849.14 $ 393,186.05
125 $ 8,343.11 $ 2,457.41 $ 5,885.70 $ 387,300.35
126 $ 8,343.11 $ 2,420.63 $ 5,922.48 $ 381,377.87
127 $ 8,343.11 $ 2,383.61 $ 5,959.50 $ 375,418.37
128 $ 8,343.11 $ 2,346.36 $ 5,996.75 $ 369,421.62
129 $ 8,343.11 $ 2,308.89 $ 6,034.23 $ 363,387.40
130 $ 8,343.11 $ 2,271.17 $ 6,071.94 $ 357,315.46
131 $ 8,343.11 $ 2,233.22 $ 6,109.89 $ 351,205.57
132 $ 8,343.11 $ 2,195.03 $ 6,148.08 $ 345,057.49
133 $ 8,343.11 $ 2,156.61 $ 6,186.50 $ 338,870.99
134 $ 8,343.11 $ 2,117.94 $ 6,225.17 $ 332,645.82
135 $ 8,343.11 $ 2,079.04 $ 6,264.07 $ 326,381.75
136 $ 8,343.11 $ 2,039.89 $ 6,303.23 $ 320,078.52
137 $ 8,343.11 $ 2,000.49 $ 6,342.62 $ 313,735.90
138 $ 8,343.11 $ 1,960.85 $ 6,382.26 $ 307,353.64
139 $ 8,343.11 $ 1,920.96 $ 6,422.15 $ 300,931.49
140 $ 8,343.11 $ 1,880.82 $ 6,462.29 $ 294,469.20
141 $ 8,343.11 $ 1,840.43 $ 6,502.68 $ 287,966.52
142 $ 8,343.11 $ 1,799.79 $ 6,543.32 $ 281,423.20
143 $ 8,343.11 $ 1,758.89 $ 6,584.22 $ 274,838.98
144 $ 8,343.11 $ 1,717.74 $ 6,625.37 $ 268,213.62
145 $ 8,343.11 $ 1,676.34 $ 6,666.78 $ 261,546.84
146 $ 8,343.11 $ 1,634.67 $ 6,708.44 $ 254,838.40
147 $ 8,343.11 $ 1,592.74 $ 6,750.37 $ 248,088.02
148 $ 8,343.11 $ 1,550.55 $ 6,792.56 $ 241,295.46
149 $ 8,343.11 $ 1,508.10 $ 6,835.01 $ 234,460.45
150 $ 8,343.11 $ 1,465.38 $ 6,877.73 $ 227,582.72
151 $ 8,343.11 $ 1,422.39 $ 6,920.72 $ 220,662.00
152 $ 8,343.11 $ 1,379.14 $ 6,963.97 $ 213,698.02
153 $ 8,343.11 $ 1,335.61 $ 7,007.50 $ 206,690.52
154 $ 8,343.11 $ 1,291.82 $ 7,051.30 $ 199,639.23
155 $ 8,343.11 $ 1,247.75 $ 7,095.37 $ 192,543.86
156 $ 8,343.11 $ 1,203.40 $ 7,139.71 $ 185,404.15
157 $ 8,343.11 $ 1,158.78 $ 7,184.34 $ 178,219.82
158 $ 8,343.11 $ 1,113.87 $ 7,229.24 $ 170,990.58
159 $ 8,343.11 $ 1,068.69 $ 7,274.42 $ 163,716.16
160 $ 8,343.11 $ 1,023.23 $ 7,319.89 $ 156,396.27
161 $ 8,343.11 $ 977.48 $ 7,365.63 $ 149,030.64
162 $ 8,343.11 $ 931.44 $ 7,411.67 $ 141,618.97
163 $ 8,343.11 $ 885.12 $ 7,457.99 $ 134,160.98
164 $ 8,343.11 $ 838.51 $ 7,504.61 $ 126,656.37
165 $ 8,343.11 $ 791.60 $ 7,551.51 $ 119,104.86
166 $ 8,343.11 $ 744.41 $ 7,598.71 $ 111,506.16
167 $ 8,343.11 $ 696.91 $ 7,646.20 $ 103,859.96
168 $ 8,343.11 $ 649.12 $ 7,693.99 $ 96,165.97
169 $ 8,343.11 $ 601.04 $ 7,742.07 $ 88,423.90
170 $ 8,343.11 $ 552.65 $ 7,790.46 $ 80,633.44
171 $ 8,343.11 $ 503.96 $ 7,839.15 $ 72,794.28
172 $ 8,343.11 $ 454.96 $ 7,888.15 $ 64,906.14
173 $ 8,343.11 $ 405.66 $ 7,937.45 $ 56,968.69
174 $ 8,343.11 $ 356.05 $ 7,987.06 $ 48,981.63
175 $ 8,343.11 $ 306.14 $ 8,036.98 $ 40,944.66
176 $ 8,343.11 $ 255.90 $ 8,087.21 $ 32,857.45
177 $ 8,343.11 $ 205.36 $ 8,137.75 $ 24,719.70
178 $ 8,343.11 $ 154.50 $ 8,188.61 $ 16,531.08
179 $ 8,343.11 $ 103.32 $ 8,239.79 $ 8,291.29
180 $ 8,343.11 $ 51.82 $ 8,291.29 $ 0.00
$ 1,601,760.02

PAGO MENSUAL ES DE $ 8,343.11

E DE
ERA SU
 12. USTED VA A COMPRAR UNA CASA DE $1 000,000. SI DA UN
ENGANCHE DE $100,000 E HIPOTECA EL RESTO AL 7,5 % COMPUESTO
MENSUAL, CUAL SERA SU PAGO MENSUAL SI LA HIPOTECA DEBE
PAGARSE EN 15 AOS?
RESOLVER CON EL METODO ALEMAN

DATOS:
MONTO: 1000000
TASA: 7.50% NOMINAL ANUAL COMPUESTO MENSUAL
PERIODO: 180 MESES

CONVERSION: 7.76326% EFECTIVO ANUAL

0.62500% EFECTIVO MENSUAL

N CUOTAS PAGOS INTERESES AMORTIZACIOSALDO

0 100,000.00 900,000.00
1 $ 10,625.00 $ 5,625.00 $ 5,000.00 $ 895,000.00
2 $ 10,593.75 $ 5,593.75 $ 5,000.00 $ 890,000.00
3 $ 10,562.50 $ 5,562.50 $ 5,000.00 $ 885,000.00
4 $ 10,531.25 $ 5,531.25 $ 5,000.00 $ 880,000.00
5 $ 10,500.00 $ 5,500.00 $ 5,000.00 $ 875,000.00
6 $ 10,468.75 $ 5,468.75 $ 5,000.00 $ 870,000.00
7 $ 10,437.50 $ 5,437.50 $ 5,000.00 $ 865,000.00
8 $ 10,406.25 $ 5,406.25 $ 5,000.00 $ 860,000.00
9 $ 10,375.00 $ 5,375.00 $ 5,000.00 $ 855,000.00
10 $ 10,343.75 $ 5,343.75 $ 5,000.00 $ 850,000.00
11 $ 10,312.50 $ 5,312.50 $ 5,000.00 $ 845,000.00
12 $ 10,281.25 $ 5,281.25 $ 5,000.00 $ 840,000.00
13 $ 10,250.00 $ 5,250.00 $ 5,000.00 $ 835,000.00
14 $ 10,218.75 $ 5,218.75 $ 5,000.00 $ 830,000.00
15 $ 10,187.50 $ 5,187.50 $ 5,000.00 $ 825,000.00
16 $ 10,156.25 $ 5,156.25 $ 5,000.00 $ 820,000.00
17 $ 10,125.00 $ 5,125.00 $ 5,000.00 $ 815,000.00
18 $ 10,093.75 $ 5,093.75 $ 5,000.00 $ 810,000.00
19 $ 10,062.50 $ 5,062.50 $ 5,000.00 $ 805,000.00
20 $ 10,031.25 $ 5,031.25 $ 5,000.00 $ 800,000.00
21 $ 10,000.00 $ 5,000.00 $ 5,000.00 $ 795,000.00
22 $ 9,968.75 $ 4,968.75 $ 5,000.00 $ 790,000.00
23 $ 9,937.50 $ 4,937.50 $ 5,000.00 $ 785,000.00
24 $ 9,906.25 $ 4,906.25 $ 5,000.00 $ 780,000.00
25 $ 9,875.00 $ 4,875.00 $ 5,000.00 $ 775,000.00
26 $ 9,843.75 $ 4,843.75 $ 5,000.00 $ 770,000.00
27 $ 9,812.50 $ 4,812.50 $ 5,000.00 $ 765,000.00
28 $ 9,781.25 $ 4,781.25 $ 5,000.00 $ 760,000.00
29 $ 9,750.00 $ 4,750.00 $ 5,000.00 $ 755,000.00
30 $ 9,718.75 $ 4,718.75 $ 5,000.00 $ 750,000.00
31 $ 9,687.50 $ 4,687.50 $ 5,000.00 $ 745,000.00
32 $ 9,656.25 $ 4,656.25 $ 5,000.00 $ 740,000.00
33 $ 9,625.00 $ 4,625.00 $ 5,000.00 $ 735,000.00
34 $ 9,593.75 $ 4,593.75 $ 5,000.00 $ 730,000.00
35 $ 9,562.50 $ 4,562.50 $ 5,000.00 $ 725,000.00
36 $ 9,531.25 $ 4,531.25 $ 5,000.00 $ 720,000.00
37 $ 9,500.00 $ 4,500.00 $ 5,000.00 $ 715,000.00
38 $ 9,468.75 $ 4,468.75 $ 5,000.00 $ 710,000.00
39 $ 9,437.50 $ 4,437.50 $ 5,000.00 $ 705,000.00
40 $ 9,406.25 $ 4,406.25 $ 5,000.00 $ 700,000.00
41 $ 9,375.00 $ 4,375.00 $ 5,000.00 $ 695,000.00
42 $ 9,343.75 $ 4,343.75 $ 5,000.00 $ 690,000.00
43 $ 9,312.50 $ 4,312.50 $ 5,000.00 $ 685,000.00
44 $ 9,281.25 $ 4,281.25 $ 5,000.00 $ 680,000.00
45 $ 9,250.00 $ 4,250.00 $ 5,000.00 $ 675,000.00
46 $ 9,218.75 $ 4,218.75 $ 5,000.00 $ 670,000.00
47 $ 9,187.50 $ 4,187.50 $ 5,000.00 $ 665,000.00
48 $ 9,156.25 $ 4,156.25 $ 5,000.00 $ 660,000.00
49 $ 9,125.00 $ 4,125.00 $ 5,000.00 $ 655,000.00
50 $ 9,093.75 $ 4,093.75 $ 5,000.00 $ 650,000.00
51 $ 9,062.50 $ 4,062.50 $ 5,000.00 $ 645,000.00
52 $ 9,031.25 $ 4,031.25 $ 5,000.00 $ 640,000.00
53 $ 9,000.00 $ 4,000.00 $ 5,000.00 $ 635,000.00
54 $ 8,968.75 $ 3,968.75 $ 5,000.00 $ 630,000.00
55 $ 8,937.50 $ 3,937.50 $ 5,000.00 $ 625,000.00
56 $ 8,906.25 $ 3,906.25 $ 5,000.00 $ 620,000.00
57 $ 8,875.00 $ 3,875.00 $ 5,000.00 $ 615,000.00
58 $ 8,843.75 $ 3,843.75 $ 5,000.00 $ 610,000.00
59 $ 8,812.50 $ 3,812.50 $ 5,000.00 $ 605,000.00
60 $ 8,781.25 $ 3,781.25 $ 5,000.00 $ 600,000.00
61 $ 8,750.00 $ 3,750.00 $ 5,000.00 $ 595,000.00
62 $ 8,718.75 $ 3,718.75 $ 5,000.00 $ 590,000.00
63 $ 8,687.50 $ 3,687.50 $ 5,000.00 $ 585,000.00
64 $ 8,656.25 $ 3,656.25 $ 5,000.00 $ 580,000.00
65 $ 8,625.00 $ 3,625.00 $ 5,000.00 $ 575,000.00
66 $ 8,593.75 $ 3,593.75 $ 5,000.00 $ 570,000.00
67 $ 8,562.50 $ 3,562.50 $ 5,000.00 $ 565,000.00
68 $ 8,531.25 $ 3,531.25 $ 5,000.00 $ 560,000.00
 69 $ 8,500.00 $ 3,500.00 $ 5,000.00 $ 555,000.00
70 $ 8,468.75 $ 3,468.75 $ 5,000.00 $ 550,000.00
71 $ 8,437.50 $ 3,437.50 $ 5,000.00 $ 545,000.00
72 $ 8,406.25 $ 3,406.25 $ 5,000.00 $ 540,000.00
73 $ 8,375.00 $ 3,375.00 $ 5,000.00 $ 535,000.00
74 $ 8,343.75 $ 3,343.75 $ 5,000.00 $ 530,000.00
75 $ 8,312.50 $ 3,312.50 $ 5,000.00 $ 525,000.00
76 $ 8,281.25 $ 3,281.25 $ 5,000.00 $ 520,000.00
77 $ 8,250.00 $ 3,250.00 $ 5,000.00 $ 515,000.00
78 $ 8,218.75 $ 3,218.75 $ 5,000.00 $ 510,000.00
79 $ 8,187.50 $ 3,187.50 $ 5,000.00 $ 505,000.00
80 $ 8,156.25 $ 3,156.25 $ 5,000.00 $ 500,000.00
81 $ 8,125.00 $ 3,125.00 $ 5,000.00 $ 495,000.00
82 $ 8,093.75 $ 3,093.75 $ 5,000.00 $ 490,000.00
83 $ 8,062.50 $ 3,062.50 $ 5,000.00 $ 485,000.00
84 $ 8,031.25 $ 3,031.25 $ 5,000.00 $ 480,000.00
85 $ 8,000.00 $ 3,000.00 $ 5,000.00 $ 475,000.00
86 $ 7,968.75 $ 2,968.75 $ 5,000.00 $ 470,000.00
87 $ 7,937.50 $ 2,937.50 $ 5,000.00 $ 465,000.00
88 $ 7,906.25 $ 2,906.25 $ 5,000.00 $ 460,000.00
89 $ 7,875.00 $ 2,875.00 $ 5,000.00 $ 455,000.00
90 $ 7,843.75 $ 2,843.75 $ 5,000.00 $ 450,000.00
91 $ 7,812.50 $ 2,812.50 $ 5,000.00 $ 445,000.00
92 $ 7,781.25 $ 2,781.25 $ 5,000.00 $ 440,000.00
93 $ 7,750.00 $ 2,750.00 $ 5,000.00 $ 435,000.00
94 $ 7,718.75 $ 2,718.75 $ 5,000.00 $ 430,000.00
95 $ 7,687.50 $ 2,687.50 $ 5,000.00 $ 425,000.00
96 $ 7,656.25 $ 2,656.25 $ 5,000.00 $ 420,000.00
97 $ 7,625.00 $ 2,625.00 $ 5,000.00 $ 415,000.00
98 $ 7,593.75 $ 2,593.75 $ 5,000.00 $ 410,000.00
99 $ 7,562.50 $ 2,562.50 $ 5,000.00 $ 405,000.00
100 $ 7,531.25 $ 2,531.25 $ 5,000.00 $ 400,000.00
101 $ 7,500.00 $ 2,500.00 $ 5,000.00 $ 395,000.00
102 $ 7,468.75 $ 2,468.75 $ 5,000.00 $ 390,000.00
103 $ 7,437.50 $ 2,437.50 $ 5,000.00 $ 385,000.00
104 $ 7,406.25 $ 2,406.25 $ 5,000.00 $ 380,000.00
105 $ 7,375.00 $ 2,375.00 $ 5,000.00 $ 375,000.00
106 $ 7,343.75 $ 2,343.75 $ 5,000.00 $ 370,000.00
107 $ 7,312.50 $ 2,312.50 $ 5,000.00 $ 365,000.00
108 $ 7,281.25 $ 2,281.25 $ 5,000.00 $ 360,000.00
109 $ 7,250.00 $ 2,250.00 $ 5,000.00 $ 355,000.00
110 $ 7,218.75 $ 2,218.75 $ 5,000.00 $ 350,000.00
111 $ 7,187.50 $ 2,187.50 $ 5,000.00 $ 345,000.00
112 $ 7,156.25 $ 2,156.25 $ 5,000.00 $ 340,000.00
113 $ 7,125.00 $ 2,125.00 $ 5,000.00 $ 335,000.00
114 $ 7,093.75 $ 2,093.75 $ 5,000.00 $ 330,000.00
115 $ 7,062.50 $ 2,062.50 $ 5,000.00 $ 325,000.00
116 $ 7,031.25 $ 2,031.25 $ 5,000.00 $ 320,000.00
117 $ 7,000.00 $ 2,000.00 $ 5,000.00 $ 315,000.00
118 $ 6,968.75 $ 1,968.75 $ 5,000.00 $ 310,000.00
119 $ 6,937.50 $ 1,937.50 $ 5,000.00 $ 305,000.00
120 $ 6,906.25 $ 1,906.25 $ 5,000.00 $ 300,000.00
121 $ 6,875.00 $ 1,875.00 $ 5,000.00 $ 295,000.00
122 $ 6,843.75 $ 1,843.75 $ 5,000.00 $ 290,000.00
123 $ 6,812.50 $ 1,812.50 $ 5,000.00 $ 285,000.00
124 $ 6,781.25 $ 1,781.25 $ 5,000.00 $ 280,000.00
125 $ 6,750.00 $ 1,750.00 $ 5,000.00 $ 275,000.00
126 $ 6,718.75 $ 1,718.75 $ 5,000.00 $ 270,000.00
127 $ 6,687.50 $ 1,687.50 $ 5,000.00 $ 265,000.00
128 $ 6,656.25 $ 1,656.25 $ 5,000.00 $ 260,000.00
129 $ 6,625.00 $ 1,625.00 $ 5,000.00 $ 255,000.00
130 $ 6,593.75 $ 1,593.75 $ 5,000.00 $ 250,000.00
131 $ 6,562.50 $ 1,562.50 $ 5,000.00 $ 245,000.00
132 $ 6,531.25 $ 1,531.25 $ 5,000.00 $ 240,000.00
133 $ 6,500.00 $ 1,500.00 $ 5,000.00 $ 235,000.00
134 $ 6,468.75 $ 1,468.75 $ 5,000.00 $ 230,000.00
135 $ 6,437.50 $ 1,437.50 $ 5,000.00 $ 225,000.00
136 $ 6,406.25 $ 1,406.25 $ 5,000.00 $ 220,000.00
137 $ 6,375.00 $ 1,375.00 $ 5,000.00 $ 215,000.00
138 $ 6,343.75 $ 1,343.75 $ 5,000.00 $ 210,000.00
139 $ 6,312.50 $ 1,312.50 $ 5,000.00 $ 205,000.00
140 $ 6,281.25 $ 1,281.25 $ 5,000.00 $ 200,000.00
141 $ 6,250.00 $ 1,250.00 $ 5,000.00 $ 195,000.00
142 $ 6,218.75 $ 1,218.75 $ 5,000.00 $ 190,000.00
143 $ 6,187.50 $ 1,187.50 $ 5,000.00 $ 185,000.00
144 $ 6,156.25 $ 1,156.25 $ 5,000.00 $ 180,000.00
145 $ 6,125.00 $ 1,125.00 $ 5,000.00 $ 175,000.00
146 $ 6,093.75 $ 1,093.75 $ 5,000.00 $ 170,000.00
147 $ 6,062.50 $ 1,062.50 $ 5,000.00 $ 165,000.00
148 $ 6,031.25 $ 1,031.25 $ 5,000.00 $ 160,000.00
149 $ 6,000.00 $ 1,000.00 $ 5,000.00 $ 155,000.00
150 $ 5,968.75 $ 968.75 $ 5,000.00 $ 150,000.00
151 $ 5,937.50 $ 937.50 $ 5,000.00 $ 145,000.00
152 $ 5,906.25 $ 906.25 $ 5,000.00 $ 140,000.00
153 $ 5,875.00 $ 875.00 $ 5,000.00 $ 135,000.00
154 $ 5,843.75 $ 843.75 $ 5,000.00 $ 130,000.00
155 $ 5,812.50 $ 812.50 $ 5,000.00 $ 125,000.00
156 $ 5,781.25 $ 781.25 $ 5,000.00 $ 120,000.00
157 $ 5,750.00 $ 750.00 $ 5,000.00 $ 115,000.00
158 $ 5,718.75 $ 718.75 $ 5,000.00 $ 110,000.00
159 $ 5,687.50 $ 687.50 $ 5,000.00 $ 105,000.00
160 $ 5,656.25 $ 656.25 $ 5,000.00 $ 100,000.00
161 $ 5,625.00 $ 625.00 $ 5,000.00 $ 95,000.00
162 $ 5,593.75 $ 593.75 $ 5,000.00 $ 90,000.00
163 $ 5,562.50 $ 562.50 $ 5,000.00 $ 85,000.00
164 $ 5,531.25 $ 531.25 $ 5,000.00 $ 80,000.00
165 $ 5,500.00 $ 500.00 $ 5,000.00 $ 75,000.00
166 $ 5,468.75 $ 468.75 $ 5,000.00 $ 70,000.00
167 $ 5,437.50 $ 437.50 $ 5,000.00 $ 65,000.00
168 $ 5,406.25 $ 406.25 $ 5,000.00 $ 60,000.00
169 $ 5,375.00 $ 375.00 $ 5,000.00 $ 55,000.00
170 $ 5,343.75 $ 343.75 $ 5,000.00 $ 50,000.00
171 $ 5,312.50 $ 312.50 $ 5,000.00 $ 45,000.00
172 $ 5,281.25 $ 281.25 $ 5,000.00 $ 40,000.00
173 $ 5,250.00 $ 250.00 $ 5,000.00 $ 35,000.00
174 $ 5,218.75 $ 218.75 $ 5,000.00 $ 30,000.00
175 $ 5,187.50 $ 187.50 $ 5,000.00 $ 25,000.00
176 $ 5,156.25 $ 156.25 $ 5,000.00 $ 20,000.00
177 $ 5,125.00 $ 125.00 $ 5,000.00 $ 15,000.00
178 $ 5,093.75 $ 93.75 $ 5,000.00 $ 10,000.00
179 $ 5,062.50 $ 62.50 $ 5,000.00 $ 5,000.00
180 $ 5,031.25 $ 31.25 $ 5,000.00 $ 0.00

SUS PAGOS MENSUALES SERIA DE $ 10,625.00 CON UNA GRADIENTE LINEAL DECRECIENTEDE $ 31
UN
UESTO
DEBE
NEAL DECRECIENTEDE $ 31.25
 13. Un prstamo de $ 1.200 se cancela por el sistema alemn en 6 cuotas al 1%
mensual. Se le solicita calcular la amortizacin peridica, hacer el desarrollo del
sistema y graficar.

DATOS:
PRESTAMO: 1200
n 6 MENSUAL
TASA 1% MENSUAL

N CUOTAS PAGOS INTERESES AMORTIZACIOSALDO

0 1,200.00
1 $ 212.00 $ 12.00 $ 200.00 $ 1,000.00
2 $ 210.00 $ 10.00 $ 200.00 $ 800.00
3 $ 208.00 $ 8.00 $ 200.00 $ 600.00
4 $ 206.00 $ 6.00 $ 200.00 $ 400.00
5 $ 204.00 $ 4.00 $ 200.00 $ 200.00
6 $ 202.00 $ 2.00 $ 200.00 $ 0.00
$ 1,200.00
6 cuotas al 1%
desarrollo del
14. Calcular el cuadro de amortizacin de un prstamo de 15000 a amortizar en 3
aos con pagos anuales, siendo el tipo de inters nominal anual el 3% (TIN).
a) Si el mtodo de amortizacin es en metodo frances

DATOS:
PRESTAMO: 15000
n 3 ANUAL
TASA 3% ANUAL

N CUOTAS PAGOS INTERESES AMORTIZACIOSALDO

0 15,000.00
1 $ 5,302.96 $ 450.00 $ 4,852.96 $ 10,147.04
2 $ 5,302.96 $ 304.41 $ 4,998.54 $ 5,148.50
3 $ 5,302.96 $ 154.46 $ 5,148.50 $ 0.00
 a amortizar en 3
l 3% (TIN).
 15. Calcular el cuadro de amortizacin de un prstamo de 15000 a amortizar en 3
aos con pagos anuales, siendo el tipo de inters nominal anual el 3% (TIN).
a) Si el mtodo de amortizacin es en metodo aleman

DATOS:
PRESTAMO: 15000
n 3 ANUAL
TASA 3% ANUAL

N CUOTAS PAGOS INTERESES AMORTIZACIOSALDO

0 15,000.00
1 $ 5,450.00 $ 450.00 $ 5,000.00 $ 10,000.00
2 $ 5,300.00 $ 300.00 $ 5,000.00 $ 5,000.00
3 $ 5,150.00 $ 150.00 $ 5,000.00 $ 0.00
de 15000 a amortizar en 3
minal anual el 3% (TIN).
todo aleman