I CUADRO DE AMORTIZACION TIPICO

SISTEMA DE CUOTAS FIJAS (METODO FRANCES)

CUOTAS NORMALES
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble ###
cuota inicial 20%
Saldo a financiar por el Banco 80% ###
Plazo de amortización 15 años
n (meses) 180 meses
TEA 12% años
TEM 0.95% meses

Monto de la anualidad o cuota USD 1,393.18 -->> funcion PAGO cuota vencida

CUADRO DE AMORTIZACION DE DEUDA

periodo (mes) Saldo Inicial amort intereses
= VA [ ( (𝟏+𝒊 )^( 𝒏) 𝒊 )/((𝟏+𝒊 )^( 𝒏) −𝟏)01 ] ### 254.53 1,138.66
2 119,745.47 256.94 1,136.24
3 119,488.53 259.38 1,133.80
4 119,229.14 261.84 1,131.34
5 118,967.30 264.33 1,128.86
6 118,702.97 266.84 1,126.35
7 118,436.13 269.37 1,123.82
8 118,166.76 271.92 1,121.26
9 117,894.84 274.51 1,118.68
10 117,620.33 277.11 1,116.07
11 117,343.22 279.74 1,113.45
12 117,063.48 282.39 1,110.79
13 116,781.09 285.07 1,108.11
14 116,496.02 287.78 1,105.41
15 116,208.24 290.51 1,102.68
16 115,917.73 293.27 1,099.92
17 115,624.47 296.05 1,097.14
18 115,328.42 298.86 1,094.33
19 115,029.56 301.69 1,091.49
20 114,727.87 304.56 1,088.63
21 114,423.31 307.45 1,085.74
22 114,115.87 310.36 1,082.82
23 113,805.50 313.31 1,079.88
24 113,492.19 316.28 1,076.90
25 113,175.91 319.28 1,073.90
26 112,856.63 322.31 1,070.87
27 112,534.32 325.37 1,067.81
28 112,208.95 328.46 1,064.73
29 111,880.49 331.57 1,061.61
30 111,548.92 334.72 1,058.46
31 111,214.20 337.90 1,055.29
32 110,876.30 341.10 1,052.08
33 110,535.20 344.34 1,048.85
34 110,190.86 347.61 1,045.58
35 109,843.25 350.90 1,042.28
36 109,492.35 354.23 1,038.95
37 109,138.11 357.60 1,035.59
38 108,780.52 360.99 1,032.20
39 108,419.53 364.41 1,028.77
40 108,055.12 367.87 1,025.31
41 107,687.24 371.36 1,021.82
42 107,315.88 374.89 1,018.30
43 106,940.99 378.44 1,014.74
 44 106,562.55 382.03 1,011.15
45 106,180.51 385.66 1,007.52
46 105,794.85 389.32 1,003.87
47 105,405.54 393.01 1,000.17
48 105,012.52 396.74 996.44
49 104,615.78 400.51 992.68
50 104,215.27 404.31 988.88
51 103,810.96 408.14 985.04
52 103,402.82 412.02 981.17
53 102,990.80 415.93 977.26
54 102,574.88 419.87 973.31
55 102,155.00 423.86 969.33
56 101,731.15 427.88 965.31
57 101,303.27 431.94 961.25
58 100,871.33 436.04 957.15
59 100,435.29 440.18 953.01
60 99,995.12 444.35 948.83
61 99,550.76 448.57 944.62
62 99,102.20 452.82 940.36
63 98,649.37 457.12 936.06
64 98,192.25 461.46 931.73
65 97,730.79 465.84 927.35
66 97,264.95 470.26 922.93
67 96,794.70 474.72 918.46
68 96,319.98 479.22 913.96
69 95,840.75 483.77 909.41
70 95,356.98 488.36 904.82
71 94,868.62 493.00 900.19
72 94,375.62 497.67 895.51
73 93,877.95 502.40 890.79
74 93,375.55 507.16 886.02
75 92,868.39 511.98 881.21
76 92,356.41 516.83 876.35
77 91,839.58 521.74 871.45
78 91,317.84 526.69 866.50
79 90,791.15 531.69 861.50
80 90,259.46 536.73 856.45
81 89,722.73 541.82 851.36
82 89,180.91 546.97 846.22
83 88,633.94 552.16 841.03
84 88,081.79 557.39 835.79
85 87,524.39 562.68 830.50
86 86,961.71 568.02 825.16
87 86,393.68 573.41 819.77
88 85,820.27 578.85 814.33
89 85,241.42 584.35 808.84
90 84,657.07 589.89 803.29
91 84,067.18 595.49 797.70
92 83,471.69 601.14 792.05
93 82,870.55 606.84 786.34
94 82,263.71 612.60 780.58
95 81,651.11 618.41 774.77
96 81,032.69 624.28 768.90
97 80,408.41 630.21 762.98
98 79,778.20 636.19 757.00
99 79,142.02 642.22 750.96
100 78,499.80 648.32 744.87
101 77,851.48 654.47 738.72
102 77,197.01 660.68 732.51
103 76,536.33 666.95 726.24
104 75,869.38 673.28 719.91
105 75,196.11 679.66 713.52
106 74,516.44 686.11 707.07
107 73,830.33 692.62 700.56
108 73,137.71 699.20 693.99
109 72,438.51 705.83 687.35
110 71,732.68 712.53 680.66
111 71,020.15 719.29 673.90
112 70,300.86 726.11 667.07
113 69,574.75 733.00 660.18
114 68,841.74 739.96 653.23
115 68,101.78 746.98 646.20
116 67,354.80 754.07 639.12
117 66,600.73 761.22 631.96
118 65,839.51 768.45 624.74
119 65,071.06 775.74 617.45
120 64,295.32 783.10 610.09
121 63,512.22 790.53 602.65
122 62,721.69 798.03 595.15
123 61,923.66 805.60 587.58
124 61,118.06 813.25 579.94
125 60,304.81 820.96 572.22
126 59,483.84 828.75 564.43
127 58,655.09 836.62 556.57
128 57,818.47 844.56 548.63
129 56,973.91 852.57 540.61
130 56,121.34 860.66 532.52
131 55,260.68 868.83 524.36
132 54,391.85 877.07 516.11
133 53,514.78 885.39 507.79
134 52,629.39 893.80 499.39
135 51,735.59 902.28 490.91
136 50,833.31 910.84 482.35
137 49,922.48 919.48 473.70
138 49,003.00 928.21 464.98
139 48,074.79 937.01 456.17
140 47,137.78 945.90 447.28
141 46,191.87 954.88 438.31
142 45,236.99 963.94 429.24
143 44,273.05 973.09 420.10
144 43,299.97 982.32 410.86
145 42,317.65 991.64 401.54
146 41,326.00 1,001.05 392.13
147 40,324.95 1,010.55 382.64
148 39,314.40 1,020.14 373.05
149 38,294.27 1,029.82 363.37
150 37,264.45 1,039.59 353.59
151 36,224.86 1,049.45 343.73
152 35,175.40 1,059.41 333.77
153 34,115.99 1,069.47 323.72
154 33,046.52 1,079.61 313.57
155 31,966.91 1,089.86 303.33
156 30,877.05 1,100.20 292.99
157 29,776.85 1,110.64 282.55
158 28,666.22 1,121.18 272.01
159 27,545.04 1,131.82 261.37
160 26,413.22 1,142.56 250.63
161 25,270.67 1,153.40 239.79
162 24,117.27 1,164.34 228.84
163 22,952.93 1,175.39 217.80
164 21,777.54 1,186.54 206.64
165 20,591.00 1,197.80 195.38
166 19,393.20 1,209.17 184.02
167 18,184.03 1,220.64 172.54
168 16,963.39 1,232.22 160.96
169 15,731.17 1,243.92 149.27
170 14,487.25 1,255.72 137.47
171 13,231.54 1,267.63 125.55
172 11,963.90 1,279.66 113.52
173 10,684.24 1,291.80 101.38
174 9,392.44 1,304.06 89.12
175 8,088.37 1,316.44 76.75
176 6,771.94 1,328.93 64.26
177 5,443.01 1,341.54 51.65
178 4,101.47 1,354.27 38.92
179 2,747.21 1,367.12 26.07
180 1,380.09 1,380.09 13.10
###
 CUADRO DE AMORTIZACIÓN TIPICO
a.¿cuál será el monto de la cuota o abono mensual?
USD 1,393.18
b.¿cuál será el capital amortizado luego de haber pagado la cuota
###
c.¿cuál será el saldo adeudado luego de haber cancelado la cuota
###
d.¿cuál será el monto de intereses pagado
USD 5,000.00 USD 2,000.00 ###
USD 7,500.00 USD 3,000.00 e.¿Si quisiera pre pagar (cancelar anticipadamente) el saldo del pr
USD 3,482.96 100% ###
40% f. Considerando el monto de la cuota mensual del crédito; usted po
Si, por que el 40% de USD 7,500 es USD 3,000, que es > q
Si su ingreso mensual se reduce a USD 5,000, y el banco es flexib
ACION DE DEUDA El 40% de USD 5,000 es USD 2,000, que es > que la cuota
cuota Saldo Final Con una cuota de USD 2,000 se puede pagar el crédito en
###
1,393.18 119,745.47
1,393.18 119,488.53
1,393.18 119,229.14
1,393.18 118,967.30
1,393.18 118,702.97
1,393.18 118,436.13
1,393.18 118,166.76
1,393.18 117,894.84
1,393.18 117,620.33
1,393.18 117,343.22
1,393.18 117,063.48
1,393.18 116,781.09
1,393.18 116,496.02
1,393.18 116,208.24
1,393.18 115,917.73
1,393.18 115,624.47
1,393.18 115,328.42
1,393.18 115,029.56
1,393.18 114,727.87
1,393.18 114,423.31
1,393.18 114,115.87
1,393.18 113,805.50
1,393.18 113,492.19
1,393.18 113,175.91
1,393.18 112,856.63
1,393.18 112,534.32
1,393.18 112,208.95
1,393.18 111,880.49
1,393.18 111,548.92
1,393.18 111,214.20
1,393.18 110,876.30
1,393.18 110,535.20
1,393.18 110,190.86
1,393.18 109,843.25
1,393.18 109,492.35
1,393.18 109,138.11
1,393.18 108,780.52
1,393.18 108,419.53
1,393.18 108,055.12
1,393.18 107,687.24
1,393.18 107,315.88
1,393.18 106,940.99
1,393.18 106,562.55
1,393.18 106,180.51
1,393.18 105,794.85
1,393.18 105,405.54
1,393.18 105,012.52
1,393.18 104,615.78 Capital amortizado USD 15,384.22 ###
1,393.18 104,215.27 Intereses pagados USD 51,488.65
1,393.18 103,810.96 Saldo adeudado ###
1,393.18 103,402.82 ldo adeudado (penalidad) ###
1,393.18 102,990.80
1,393.18 102,574.88
1,393.18 102,155.00
1,393.18 101,731.15
1,393.18 101,303.27
1,393.18 100,871.33
1,393.18 100,435.29
1,393.18 99,995.12
1,393.18 99,550.76
1,393.18 99,102.20
1,393.18 98,649.37
1,393.18 98,192.25
1,393.18 97,730.79
1,393.18 97,264.95
1,393.18 96,794.70
1,393.18 96,319.98
1,393.18 95,840.75
1,393.18 95,356.98
1,393.18 94,868.62
1,393.18 94,375.62
1,393.18 93,877.95
1,393.18 93,375.55
1,393.18 92,868.39
1,393.18 92,356.41
1,393.18 91,839.58
1,393.18 91,317.84
1,393.18 90,791.15
1,393.18 90,259.46
1,393.18 89,722.73
1,393.18 89,180.91
1,393.18 88,633.94
1,393.18 88,081.79
1,393.18 87,524.39
1,393.18 86,961.71
1,393.18 86,393.68
1,393.18 85,820.27
1,393.18 85,241.42
1,393.18 84,657.07
1,393.18 84,067.18
1,393.18 83,471.69
1,393.18 82,870.55
1,393.18 82,263.71
1,393.18 81,651.11
1,393.18 81,032.69
1,393.18 80,408.41
1,393.18 79,778.20
1,393.18 79,142.02
1,393.18 78,499.80
1,393.18 77,851.48
1,393.18 77,197.01
1,393.18 76,536.33
1,393.18 75,869.38
1,393.18 75,196.11
1,393.18 74,516.44
1,393.18 73,830.33
1,393.18 73,137.71
1,393.18 72,438.51
1,393.18 71,732.68
1,393.18 71,020.15
1,393.18 70,300.86
1,393.18 69,574.75
1,393.18 68,841.74
1,393.18 68,101.78
1,393.18 67,354.80
1,393.18 66,600.73
1,393.18 65,839.51
1,393.18 65,071.06
1,393.18 64,295.32
1,393.18 63,512.22
1,393.18 62,721.69
1,393.18 61,923.66
1,393.18 61,118.06
1,393.18 60,304.81
1,393.18 59,483.84
1,393.18 58,655.09
1,393.18 57,818.47
1,393.18 56,973.91
1,393.18 56,121.34
1,393.18 55,260.68
1,393.18 54,391.85
1,393.18 53,514.78
1,393.18 52,629.39
1,393.18 51,735.59
1,393.18 50,833.31
1,393.18 49,922.48
1,393.18 49,003.00
1,393.18 48,074.79
1,393.18 47,137.78
1,393.18 46,191.87
1,393.18 45,236.99
1,393.18 44,273.05
1,393.18 43,299.97
1,393.18 42,317.65
1,393.18 41,326.00
1,393.18 40,324.95
1,393.18 39,314.40
1,393.18 38,294.27
1,393.18 37,264.45
1,393.18 36,224.86
1,393.18 35,175.40
1,393.18 34,115.99
1,393.18 33,046.52
1,393.18 31,966.91
1,393.18 30,877.05
1,393.18 29,776.85
1,393.18 28,666.22
1,393.18 27,545.04
1,393.18 26,413.22
1,393.18 25,270.67
1,393.18 24,117.27
1,393.18 22,952.93
1,393.18 21,777.54
1,393.18 20,591.00
1,393.18 19,393.20
1,393.18 18,184.03
1,393.18 16,963.39
1,393.18 15,731.17
1,393.18 14,487.25
1,393.18 13,231.54
1,393.18 11,963.90
1,393.18 10,684.24
1,393.18 9,392.44
1,393.18 8,088.37
1,393.18 6,771.94
1,393.18 5,443.01
1,393.18 4,101.47
1,393.18 2,747.21
1,393.18 1,380.09
1,393.18 0.00
RTIZACIÓN TIPICO
o de la cuota o abono mensual?

l amortizado luego de haber pagado la cuota 48?

adeudado luego de haber cancelado la cuota 48?

o de intereses pagado luego de haber cancelado la cuota 48?

gar (cancelar anticipadamente) el saldo del préstamo inmediatamente de haber cancelado la cuota 48, cuál será ese monto? Además, considerar que existe una pe

onto de la cuota mensual del crédito; usted podrá calificar con el Banco, conociendo que el Banco asume que el 40% del ingreso familiar se destina a pagar la cuota
de USD 7,500 es USD 3,000, que es > que la cuota actual.
al se reduce a USD 5,000, y el banco es flexible con el plazo del crédito ¿hasta que plazo debería prolongar el crédito para poder calificar al crédito?
000 es USD 2,000, que es > que la cuota actual.
USD 2,000 se puede pagar el crédito en 131.68 meses.
onto? Además, considerar que existe una penalidad por pre pago del 2.0% (aplicable sobre el monto a pre pagar) ¿cuánto sería el monto total a cancelar?

el ingreso familiar se destina a pagar la cuota mensual, si usted gana USD 7,500 mes. ¿Podrá calificar al crédito?

ara poder calificar al crédito?

nto sería el monto total a cancelar?
 II CUADRO DE AMORTIZACION TIPICO
SISTEMA DE CUOTAS FIJAS (METODO FRANCES)
CON PERIODO DE GRACIA
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble ###
cuota inicial 20%
Saldo a financiar por el Banco 80% USD 120,000.00
Plazo de amortización 15 años
n (meses) 180 meses Plazo de gracia 3
TEA 12% años
TEM 0.95% meses

Nuevo Saldo a financiar por el Banco ### ---->>>> VA x (1 + i )^3

Monto de la anualidad o cuota USD 1,442.49 -->> funcion PAGO cuota vencida

0 1 2 3
VA

Periodo de gracia
Nuevo plazo de la an

calcular el valor futuro de la deuda en el periodo 3 (final periodo 3 = inicio periodo 4) donde se inicia el plazo de la anualidad y se ap

VF 2 = VA (1+ i )^3 --------------->>>> ### valor de la deuda al final del periodo 3

plazo remanente para cancelar la deuda 177 meses
A= 0.0117 x VA
A= USD 1,442.49 valor de la cuota que se pagara desde el periodo 3 hasta el final del periodo (17
aplicando funcion PAGO ---->> USD 1,442.49

ncida = VA [ ( (𝟏+𝒊 )^( 𝒏) 𝒊 )/((𝟏+𝒊 )^( 𝒏) −𝟏) ] CUADRO DE AMORTIZACION DE DEUDA

periodo (mes) Saldo Inicial amort intereses
0
1 USD 120,000.00 - 1,138.66
2 121,138.66 - 1,149.46
3 122,288.11 - 1,160.37
1 4 USD 123,448.48 271.11 1,171.38
2 5 123,177.37 273.68 1,168.80
3 6 122,903.69 276.28 1,166.21
4 7 122,627.41 278.90 1,163.59
5 8 122,348.51 281.55 1,160.94
6 9 122,066.96 284.22 1,158.27
7 10 121,782.74 286.92 1,155.57
8 11 121,495.82 289.64 1,152.85
9 12 121,206.18 292.39 1,150.10
10 13 120,913.80 295.16 1,147.33
11 14 120,618.64 297.96 1,144.53
12 15 120,320.67 300.79 1,141.70
13 16 120,019.88 303.64 1,138.84
14 17 119,716.24 306.52 1,135.96
15 18 119,409.72 309.43 1,133.05
16 19 119,100.28 312.37 1,130.12
17 20 118,787.91 315.33 1,127.15
18 21 118,472.58 318.33 1,124.16
19 22 118,154.25 321.35 1,121.14
20 23 117,832.91 324.40 1,118.09
21 24 117,508.51 327.47 1,115.01
22 25 117,181.04 330.58 1,111.91
23 26 116,850.46 333.72 1,108.77
24 27 116,516.74 336.88 1,105.60
25 28 116,179.85 340.08 1,102.41
26 29 115,839.77 343.31 1,099.18
27 30 115,496.47 346.57 1,095.92
28 31 115,149.90 349.85 1,092.63
29 32 114,800.05 353.17 1,089.31
30 33 114,446.87 356.52 1,085.96
31 34 114,090.35 359.91 1,082.58
32 35 113,730.44 363.32 1,079.16
33 36 113,367.12 366.77 1,075.72
34 37 113,000.35 370.25 1,072.24
35 38 112,630.10 373.76 1,068.72
36 39 112,256.33 377.31 1,065.18
37 40 111,879.02 380.89 1,061.60
38 41 111,498.13 384.50 1,057.98
39 42 111,113.63 388.15 1,054.33
40 43 110,725.47 391.84 1,050.65
41 44 110,333.64 395.55 1,046.93
42 45 109,938.08 399.31 1,043.18
43 46 109,538.77 403.10 1,039.39
44 47 109,135.68 406.92 1,035.57
45 48 108,728.76 410.78 1,031.70
46 49 108,317.97 414.68 1,027.81
47 50 107,903.29 418.62 1,023.87
48 51 107,484.68 422.59 1,019.90
49 52 107,062.09 426.60 1,015.89
50 53 106,635.49 430.65 1,011.84
51 54 106,204.85 434.73 1,007.76
52 55 105,770.11 438.86 1,003.63
53 56 105,331.26 443.02 999.47
54 57 104,888.24 447.22 995.26
55 58 104,441.01 451.47 991.02
56 59 103,989.54 455.75 986.74
57 60 103,533.79 460.08 982.41
58 61 103,073.71 464.44 978.05
59 62 102,609.27 468.85 973.64
60 63 102,140.42 473.30 969.19
61 64 101,667.12 477.79 964.70
62 65 101,189.34 482.32 960.16
63 66 100,707.01 486.90 955.59
64 67 100,220.11 491.52 950.97
65 68 99,728.59 496.18 946.30
66 69 99,232.41 500.89 941.60
67 70 98,731.52 505.64 936.84
68 71 98,225.87 510.44 932.04
69 72 97,715.43 515.29 927.20
70 73 97,200.15 520.18 922.31
71 74 96,679.97 525.11 917.38
72 75 96,154.86 530.09 912.39
73 76 95,624.76 535.12 907.36
74 77 95,089.64 540.20 902.29
75 78 94,549.44 545.33 897.16
76 79 94,004.11 550.50 891.99
77 80 93,453.61 555.73 886.76
78 81 92,897.88 561.00 881.49
79 82 92,336.89 566.32 876.17
80 83 91,770.56 571.70 870.79
81 84 91,198.87 577.12 865.37
82 85 90,621.75 582.60 859.89
83 86 90,039.15 588.12 854.36
84 87 89,451.03 593.71 848.78
 85 88 88,857.32 599.34 843.15
86 89 88,257.98 605.03 837.46
87 90 87,652.96 610.77 831.72
88 91 87,042.19 616.56 825.93
89 92 86,425.63 622.41 820.07
90 93 85,803.21 628.32 814.17
91 94 85,174.90 634.28 808.21
92 95 84,540.62 640.30 802.19
93 96 83,900.32 646.37 796.11
94 97 83,253.94 652.51 789.98
95 98 82,601.43 658.70 783.79
96 99 81,942.73 664.95 777.54
97 100 81,277.78 671.26 771.23
98 101 80,606.52 677.63 764.86
99 102 79,928.90 684.06 758.43
100 103 79,244.84 690.55 751.94
101 104 78,554.29 697.10 745.39
102 105 77,857.19 703.72 738.77
103 106 77,153.47 710.39 732.09
104 107 76,443.07 717.14 725.35
105 108 75,725.94 723.94 718.55
106 109 75,002.00 730.81 711.68
107 110 74,271.19 737.74 704.74
108 111 73,533.45 744.74 697.74
109 112 72,788.70 751.81 690.68
110 113 72,036.89 758.94 683.54
111 114 71,277.95 766.15 676.34
112 115 70,511.80 773.42 669.07
113 116 69,738.39 780.75 661.73
114 117 68,957.63 788.16 654.32
115 118 68,169.47 795.64 646.85
116 119 67,373.83 803.19 639.30
117 120 66,570.64 810.81 631.67
118 121 65,759.82 818.51 623.98
119 122 64,941.32 826.27 616.21
120 123 64,115.05 834.11 608.37
121 124 63,280.93 842.03 600.46
122 125 62,438.90 850.02 592.47
123 126 61,588.89 858.08 584.40
124 127 60,730.80 866.23 576.26
125 128 59,864.58 874.44 568.04
126 129 58,990.13 882.74 559.75
127 130 58,107.39 891.12 551.37
128 131 57,216.27 899.57 542.91
129 132 56,316.70 908.11 534.38
130 133 55,408.59 916.73 525.76
131 134 54,491.86 925.43 517.06
132 135 53,566.44 934.21 508.28
133 136 52,632.23 943.07 499.42
134 137 51,689.16 952.02 490.47
135 138 50,737.14 961.05 481.43
136 139 49,776.08 970.17 472.31
137 140 48,805.91 979.38 463.11
138 141 47,826.53 988.67 453.82
139 142 46,837.86 998.05 444.43
140 143 45,839.81 1,007.52 434.96
141 144 44,832.29 1,017.08 425.40
142 145 43,815.20 1,026.73 415.75
143 146 42,788.47 1,036.48 406.01
144 147 41,751.99 1,046.31 396.18
145 148 40,705.68 1,056.24 386.25
146 149 39,649.44 1,066.26 376.23
147 150 38,583.18 1,076.38 366.11
148 151 37,506.80 1,086.59 355.89
149 152 36,420.21 1,096.90 345.58
150 153 35,323.30 1,107.31 335.18
151 154 34,215.99 1,117.82 324.67
152 155 33,098.17 1,128.43 314.06
153 156 31,969.75 1,139.13 303.35
154 157 30,830.61 1,149.94 292.55
155 158 29,680.67 1,160.85 281.63
156 159 28,519.82 1,171.87 270.62
157 160 27,347.95 1,182.99 259.50
158 161 26,164.96 1,194.21 248.27
159 162 24,970.75 1,205.55 236.94
160 163 23,765.20 1,216.98 225.50
161 164 22,548.22 1,228.53 213.96
162 165 21,319.68 1,240.19 202.30
163 166 20,079.49 1,251.96 190.53
164 167 18,827.54 1,263.84 178.65
165 168 17,563.70 1,275.83 166.66
166 169 16,287.87 1,287.94 154.55
167 170 14,999.94 1,300.16 142.33
168 171 13,699.78 1,312.49 129.99
169 172 12,387.29 1,324.95 117.54
170 173 11,062.34 1,337.52 104.97
171 174 9,724.82 1,350.21 92.28
172 175 8,374.61 1,363.02 79.46
173 176 7,011.59 1,375.96 66.53
174 177 5,635.63 1,389.01 53.48
175 178 4,246.62 1,402.19 40.30
176 179 2,844.43 1,415.50 26.99
177 180 1,428.93 1,428.93 13.56
###
 CUADRO DE AMORTIZACIÓN CON PLAZO DE GRACIA
a. ¿cuál será el monto del nuevo valor del préstamo?
###
b. ¿cuál será el monto de la anualidad o renta o cuota mensual?
USD 1,442.49
c. ¿cuál será el capital amortizado luego de haber pagado la cuo
###
meses (a partir del 4to mes se inicia el pago de cuotas) d. ¿cuál será el saldo adeudado luego de haber cancelado la cuo
###
e. ¿cuál será el monto de intereses pagado
###
f. ¿Si quisiera pre pagar (cancelar anticipadamente) el saldo del
###

………………..
4 119 120

A A A A

Nuevo plazo de la anualidad vencida

ia el plazo de la anualidad y se aplica la formula de Valor de la Anualidad Vencida dado un VA

periodo 3 hasta el final del periodo (177)

CION DE DEUDA
cuota Saldo Final
USD 120,000.00
- 121,138.66
- 122,288.11
- USD 123,448.48 aplicando VF ###
1,442.49 123,177.37
1,442.49 122,903.69
1,442.49 122,627.41
1,442.49 122,348.51
1,442.49 122,066.96
1,442.49 121,782.74
1,442.49 121,495.82
1,442.49 121,206.18
1,442.49 120,913.80
1,442.49 120,618.64
1,442.49 120,320.67
1,442.49 120,019.88
1,442.49 119,716.24
1,442.49 119,409.72
1,442.49 119,100.28
1,442.49 118,787.91
1,442.49 118,472.58
1,442.49 118,154.25
1,442.49 117,832.91
1,442.49 117,508.51
1,442.49 117,181.04
1,442.49 116,850.46
1,442.49 116,516.74
1,442.49 116,179.85
1,442.49 115,839.77
1,442.49 115,496.47
1,442.49 115,149.90
1,442.49 114,800.05
1,442.49 114,446.87
1,442.49 114,090.35
1,442.49 113,730.44
1,442.49 113,367.12
1,442.49 113,000.35 Capital amortizado ### USD 11,569.46
1,442.49 112,630.10 Intereses pagados ###
1,442.49 112,256.33 Saldo adeudado ###
1,442.49 111,879.02
1,442.49 111,498.13 ###
1,442.49 111,113.63
1,442.49 110,725.47
1,442.49 110,333.64
1,442.49 109,938.08
1,442.49 109,538.77
1,442.49 109,135.68
1,442.49 108,728.76
1,442.49 108,317.97
1,442.49 107,903.29
1,442.49 107,484.68
1,442.49 107,062.09 deudado (penalidad) ###
1,442.49 106,635.49
1,442.49 106,204.85
1,442.49 105,770.11
1,442.49 105,331.26
1,442.49 104,888.24
1,442.49 104,441.01
1,442.49 103,989.54
1,442.49 103,533.79
1,442.49 103,073.71
1,442.49 102,609.27
1,442.49 102,140.42
1,442.49 101,667.12
1,442.49 101,189.34
1,442.49 100,707.01
1,442.49 100,220.11
1,442.49 99,728.59
1,442.49 99,232.41
1,442.49 98,731.52
1,442.49 98,225.87
1,442.49 97,715.43
1,442.49 97,200.15
1,442.49 96,679.97
1,442.49 96,154.86
1,442.49 95,624.76
1,442.49 95,089.64
1,442.49 94,549.44
1,442.49 94,004.11
1,442.49 93,453.61
1,442.49 92,897.88
1,442.49 92,336.89
1,442.49 91,770.56
1,442.49 91,198.87
1,442.49 90,621.75
1,442.49 90,039.15
1,442.49 89,451.03
1,442.49 88,857.32
1,442.49 88,257.98
1,442.49 87,652.96
1,442.49 87,042.19
1,442.49 86,425.63
1,442.49 85,803.21
1,442.49 85,174.90
1,442.49 84,540.62
1,442.49 83,900.32
1,442.49 83,253.94
1,442.49 82,601.43
1,442.49 81,942.73
1,442.49 81,277.78
1,442.49 80,606.52
1,442.49 79,928.90
1,442.49 79,244.84
1,442.49 78,554.29
1,442.49 77,857.19
1,442.49 77,153.47
1,442.49 76,443.07
1,442.49 75,725.94
1,442.49 75,002.00
1,442.49 74,271.19
1,442.49 73,533.45
1,442.49 72,788.70
1,442.49 72,036.89
1,442.49 71,277.95
1,442.49 70,511.80
1,442.49 69,738.39
1,442.49 68,957.63
1,442.49 68,169.47
1,442.49 67,373.83
1,442.49 66,570.64
1,442.49 65,759.82
1,442.49 64,941.32
1,442.49 64,115.05
1,442.49 63,280.93
1,442.49 62,438.90
1,442.49 61,588.89
1,442.49 60,730.80
1,442.49 59,864.58
1,442.49 58,990.13
1,442.49 58,107.39
1,442.49 57,216.27
1,442.49 56,316.70
1,442.49 55,408.59
1,442.49 54,491.86
1,442.49 53,566.44
1,442.49 52,632.23
1,442.49 51,689.16
1,442.49 50,737.14
1,442.49 49,776.08
1,442.49 48,805.91
1,442.49 47,826.53
1,442.49 46,837.86
1,442.49 45,839.81
1,442.49 44,832.29
1,442.49 43,815.20
1,442.49 42,788.47
1,442.49 41,751.99
1,442.49 40,705.68
1,442.49 39,649.44
1,442.49 38,583.18
1,442.49 37,506.80
1,442.49 36,420.21
1,442.49 35,323.30
1,442.49 34,215.99
1,442.49 33,098.17
1,442.49 31,969.75
1,442.49 30,830.61
1,442.49 29,680.67
1,442.49 28,519.82
1,442.49 27,347.95
1,442.49 26,164.96
1,442.49 24,970.75
1,442.49 23,765.20
1,442.49 22,548.22
1,442.49 21,319.68
1,442.49 20,079.49
1,442.49 18,827.54
1,442.49 17,563.70
1,442.49 16,287.87
1,442.49 14,999.94
1,442.49 13,699.78
1,442.49 12,387.29
1,442.49 11,062.34
1,442.49 9,724.82
1,442.49 8,374.61
1,442.49 7,011.59
1,442.49 5,635.63
1,442.49 4,246.62
1,442.49 2,844.43
1,442.49 1,428.93
1,442.49 0.00
N PLAZO DE GRACIA
vo valor del préstamo?

ualidad o renta o cuota mensual?

ado luego de haber pagado la cuota 36?

o luego de haber cancelado la cuota 36?

eses pagado luego de haber cancelado la cuota 36?

elar anticipadamente) el saldo del préstamo inmediatamente de haber cancelado la cuota 48, cuál será ese monto? Además, considerar q
erá ese monto? Además, considerar que existe una penalidad por pre pago del 2.0% (aplicable sobre el monto a pre pagar) ¿cuánto sería
e el monto a pre pagar) ¿cuánto sería el monto total a cancelar?
 III CUADRO DE AMORTIZACION TIPICO
SISTEMA DE CUOTAS FIJAS (METODO FRANCES)
REDUCCION DEL VALOR DE LA CUOTA MANTENIENDO EL PLAZO
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble ###
cuota inicial 20%
Saldo a financiar por el Banco 80% ###
Plazo de amortización 15 años
n (meses) 180 meses
TEA 12% años
TEM 0.95% meses

Monto de la anualidad o cuota USD 1,393.18 -->> funcion PAGO cuota vencida 0.0116099 x VA =
Cuota extraordinaria ### en el mes 60
periodo de pago cuota extraordinaria 61 final del periodo 60 o inicio del periodo 61
ldo deuda despues de pago cuota extraordinaria 49,550.76
periodo restantes para cancelar la deuda 119
o de la anualidad o cuota despues de pago extra USD 696.59

CUADRO DE AMORTIZACION DE DEUDA CON CUOTA EXTRAORD. REDUC

VA = A [ ( ]
𝟏 − (𝟏+𝒊 )^(− 𝒏) )/𝒊periodo Saldo Inicial pago extra. nuevo Saldo amort
0
1 ### 254.53
A = VA [ ( (𝟏+𝒊 )^( 𝒏) 𝒊 )/((𝟏+𝒊 )^( 𝒏) −𝟏) ] 2 119,745.47 256.94
3 119,488.53 259.38
4 119,229.14 261.84
5 118,967.30 264.33
VA = A [ ( (𝟏+𝒊 )^( 𝒏) −𝟏 )/((𝟏+𝒊 )^( 𝒏) 𝒊) 6] 118,702.97 266.84
7 118,436.13 269.37
8 118,166.76 271.92
9 117,894.84 274.51
10 117,620.33 277.11
11 117,343.22 279.74
12 117,063.48 282.39
13 116,781.09 285.07
14 116,496.02 287.78
15 116,208.24 290.51
16 115,917.73 293.27
17 115,624.47 296.05
18 115,328.42 298.86
19 115,029.56 301.69
20 114,727.87 304.56
21 114,423.31 307.45
22 114,115.87 310.36
23 113,805.50 313.31
24 113,492.19 316.28
25 113,175.91 319.28
26 112,856.63 322.31
27 112,534.32 325.37
28 112,208.95 328.46
29 111,880.49 331.57
30 111,548.92 334.72
31 111,214.20 337.90
32 110,876.30 341.10
33 110,535.20 344.34
34 110,190.86 347.61
35 109,843.25 350.90
36 109,492.35 354.23
 37 109,138.11 357.60
38 108,780.52 360.99
39 108,419.53 364.41
40 108,055.12 367.87
41 107,687.24 371.36
42 107,315.88 374.89
43 106,940.99 378.44
44 106,562.55 382.03
45 106,180.51 385.66
46 105,794.85 389.32
47 105,405.54 393.01
48 105,012.52 396.74
49 104,615.78 400.51
50 104,215.27 404.31
51 103,810.96 408.14
52 103,402.82 412.02
53 102,990.80 415.93
54 102,574.88 419.87
55 102,155.00 423.86
56 101,731.15 427.88
57 101,303.27 431.94
58 100,871.33 436.04
59 100,435.29 440.18
60 99,995.12 444.35
1 61 99,550.76 50,000.00 ### 226.41
2 62 49,324.35 228.56
3 63 49,095.79 230.73
4 64 48,865.07 232.92
5 65 48,632.15 235.13
6 66 48,397.02 237.36
7 67 48,159.66 239.61
8 68 47,920.05 241.88
9 69 47,678.17 244.18
10 70 47,433.99 246.50
11 71 47,187.49 248.84
12 72 46,938.66 251.20
13 73 46,687.46 253.58
14 74 46,433.88 255.99
15 75 46,177.89 258.42
16 76 45,919.48 260.87
17 77 45,658.61 263.34
18 78 45,395.27 265.84
19 79 45,129.43 268.36
20 80 44,861.06 270.91
21 81 44,590.15 273.48
22 82 44,316.67 276.08
23 83 44,040.60 278.70
24 84 43,761.90 281.34
25 85 43,480.56 284.01
26 86 43,196.55 286.70
27 87 42,909.85 289.43
28 88 42,620.42 292.17
29 89 42,328.25 294.94
30 90 42,033.31 297.74
31 91 41,735.56 300.57
32 92 41,435.00 303.42
33 93 41,131.58 306.30
34 94 40,825.28 309.21
35 95 40,516.07 312.14
36 96 40,203.93 315.10
37 97 39,888.83 318.09
38 98 39,570.74 321.11
39 99 39,249.63 324.16
40 100 38,925.48 327.23
41 101 38,598.25 330.34
42 102 38,267.91 333.47
43 103 37,934.44 336.64
44 104 37,597.80 339.83
45 105 37,257.97 343.05
46 106 36,914.92 346.31
47 107 36,568.61 349.60
48 108 36,219.01 352.91
49 109 35,866.10 356.26
50 110 35,509.84 359.64
51 111 35,150.19 363.05
52 112 34,787.14 366.50
53 113 34,420.64 369.98
54 114 34,050.66 373.49
55 115 33,677.17 377.03
56 116 33,300.14 380.61
57 117 32,919.53 384.22
58 118 32,535.31 387.87
59 119 32,147.44 391.55
60 120 31,755.90 395.26
61 121 31,360.63 399.01
62 122 30,961.62 402.80
63 123 30,558.82 406.62
64 124 30,152.20 410.48
65 125 29,741.72 414.37
66 126 29,327.35 418.31
67 127 28,909.04 422.28
68 128 28,486.76 426.28
69 129 28,060.48 430.33
70 130 27,630.15 434.41
71 131 27,195.74 438.53
72 132 26,757.21 442.69
73 133 26,314.52 446.89
74 134 25,867.62 451.14
75 135 25,416.49 455.42
76 136 24,961.07 459.74
77 137 24,501.33 464.10
78 138 24,037.23 468.50
79 139 23,568.73 472.95
80 140 23,095.78 477.44
81 141 22,618.34 481.97
82 142 22,136.38 486.54
83 143 21,649.84 491.16
84 144 21,158.68 495.82
85 145 20,662.86 500.52
86 146 20,162.34 505.27
87 147 19,657.07 510.07
88 148 19,147.00 514.91
89 149 18,632.10 519.79
90 150 18,112.31 524.72
91 151 17,587.58 529.70
92 152 17,057.88 534.73
93 153 16,523.15 539.80
94 154 15,983.35 544.93
95 155 15,438.42 550.10
96 156 14,888.33 555.32
97 157 14,333.01 560.58
98 158 13,772.43 565.90
 99 159 13,206.52 571.27
100 160 12,635.25 576.69
101 161 12,058.55 582.17
102 162 11,476.39 587.69
103 163 10,888.70 593.27
104 164 10,295.43 598.90
105 165 9,696.53 604.58
106 166 9,091.95 610.32
107 167 8,481.64 616.11
108 168 7,865.53 621.95
109 169 7,243.58 627.85
110 170 6,615.72 633.81
111 171 5,981.91 639.83
112 172 5,342.08 645.90
113 173 4,696.19 652.03
114 174 4,044.16 658.21
115 175 3,385.95 664.46
116 176 2,721.49 670.76
117 177 2,050.72 677.13
118 178 1,373.59 683.55
119 179 690.04 690.04

### ###
###
 CUADRO DE AMORTIZACIÓN CON PAGO EXTRAORDINARIO
a. ¿cuál será el monto del capital amortizado luego de haber pagado la cuota
###
b.            ¿cuál será el saldo adeudado luego de haber cancelado la cuota ext
###
c.            ¿cuál será el monto de intereses pagado luego de haber cancelado l
###
d.            ¿cuál será el monto de la cuota o abono mensual después de haber 
USD 696.59
e.            ¿en cuantos meses se reduciría el plazo del crédito si la cuota mens
En 76 meses
### f.             ¿Si quisiera pre pagar (cancelar anticipadamente) el saldo del prést
###

N CUOTA EXTRAORD. REDUCCIÓN VALOR CUOTA

intereses cuota Saldo Final
###
1,138.66 1,393.18 119,745.47
1,136.24 1,393.18 119,488.53
1,133.80 1,393.18 119,229.14
1,131.34 1,393.18 118,967.30
1,128.86 1,393.18 118,702.97
1,126.35 1,393.18 118,436.13
1,123.82 1,393.18 118,166.76
1,121.26 1,393.18 117,894.84
1,118.68 1,393.18 117,620.33
1,116.07 1,393.18 117,343.22
1,113.45 1,393.18 117,063.48
1,110.79 1,393.18 116,781.09
1,108.11 1,393.18 116,496.02
1,105.41 1,393.18 116,208.24
1,102.68 1,393.18 115,917.73
1,099.92 1,393.18 115,624.47
1,097.14 1,393.18 115,328.42
1,094.33 1,393.18 115,029.56
1,091.49 1,393.18 114,727.87
1,088.63 1,393.18 114,423.31
1,085.74 1,393.18 114,115.87
1,082.82 1,393.18 113,805.50
1,079.88 1,393.18 113,492.19
1,076.90 1,393.18 113,175.91
1,073.90 1,393.18 112,856.63
1,070.87 1,393.18 112,534.32
1,067.81 1,393.18 112,208.95
1,064.73 1,393.18 111,880.49
1,061.61 1,393.18 111,548.92
1,058.46 1,393.18 111,214.20
1,055.29 1,393.18 110,876.30
1,052.08 1,393.18 110,535.20
1,048.85 1,393.18 110,190.86
1,045.58 1,393.18 109,843.25
1,042.28 1,393.18 109,492.35
1,038.95 1,393.18 109,138.11
1,035.59 1,393.18 108,780.52
1,032.20 1,393.18 108,419.53
1,028.77 1,393.18 108,055.12
1,025.31 1,393.18 107,687.24
1,021.82 1,393.18 107,315.88
1,018.30 1,393.18 106,940.99
1,014.74 1,393.18 106,562.55
1,011.15 1,393.18 106,180.51
1,007.52 1,393.18 105,794.85
1,003.87 1,393.18 105,405.54
1,000.17 1,393.18 105,012.52
996.44 1,393.18 104,615.78
992.68 1,393.18 104,215.27
988.88 1,393.18 103,810.96
985.04 1,393.18 103,402.82
981.17 1,393.18 102,990.80
977.26 1,393.18 102,574.88
973.31 1,393.18 102,155.00
969.33 1,393.18 101,731.15
965.31 1,393.18 101,303.27
961.25 1,393.18 100,871.33
957.15 1,393.18 100,435.29
953.01 1,393.18 99,995.12
948.83 1,393.18 99,550.76
470.18 ### 49,324.35 Capital amortizado USD 70,675.65
468.03 696.59 49,095.79 Intereses pagados USD 63,612.03
465.86 696.59 48,865.07 Saldo adeudado USD 49,324.35
463.67 696.59 48,632.15 Saldo adeudado (p USD 50,310.84
461.46 696.59 48,397.02
459.23 696.59 48,159.66
456.98 696.59 47,920.05
454.70 696.59 47,678.17
452.41 696.59 47,433.99
450.09 696.59 47,187.49
447.75 696.59 46,938.66
445.39 696.59 46,687.46
443.01 696.59 46,433.88
440.60 696.59 46,177.89
438.17 696.59 45,919.48
435.72 696.59 45,658.61
433.25 696.59 45,395.27
430.75 696.59 45,129.43
428.22 696.59 44,861.06
425.68 696.59 44,590.15
423.11 696.59 44,316.67
420.51 696.59 44,040.60
417.89 696.59 43,761.90
415.25 696.59 43,480.56
412.58 696.59 43,196.55
409.88 696.59 42,909.85
407.16 696.59 42,620.42
404.42 696.59 42,328.25
401.64 696.59 42,033.31
398.85 696.59 41,735.56
396.02 696.59 41,435.00
393.17 696.59 41,131.58
390.29 696.59 40,825.28
387.38 696.59 40,516.07
384.45 696.59 40,203.93
381.49 696.59 39,888.83
378.50 696.59 39,570.74
375.48 696.59 39,249.63
372.43 696.59 38,925.48
369.36 696.59 38,598.25
366.25 696.59 38,267.91
363.12 696.59 37,934.44
359.95 696.59 37,597.80
356.76 696.59 37,257.97
353.53 696.59 36,914.92
350.28 696.59 36,568.61
346.99 696.59 36,219.01
343.67 696.59 35,866.10
340.33 696.59 35,509.84
336.95 696.59 35,150.19
333.53 696.59 34,787.14
330.09 696.59 34,420.64
326.61 696.59 34,050.66
323.10 696.59 33,677.17
319.56 696.59 33,300.14
315.98 696.59 32,919.53
312.37 696.59 32,535.31
308.72 696.59 32,147.44
305.04 696.59 31,755.90
301.33 696.59 31,360.63
297.57 696.59 30,961.62
293.79 696.59 30,558.82
289.97 696.59 30,152.20
286.11 696.59 29,741.72
282.21 696.59 29,327.35
278.28 696.59 28,909.04
274.31 696.59 28,486.76
270.31 696.59 28,060.48
266.26 696.59 27,630.15
262.18 696.59 27,195.74
258.05 696.59 26,757.21
253.89 696.59 26,314.52
249.69 696.59 25,867.62
245.45 696.59 25,416.49
241.17 696.59 24,961.07
236.85 696.59 24,501.33
232.49 696.59 24,037.23
228.08 696.59 23,568.73
223.64 696.59 23,095.78
219.15 696.59 22,618.34
214.62 696.59 22,136.38
210.05 696.59 21,649.84
205.43 696.59 21,158.68
200.77 696.59 20,662.86
196.07 696.59 20,162.34
191.32 696.59 19,657.07
186.52 696.59 19,147.00
181.68 696.59 18,632.10
176.80 696.59 18,112.31
171.86 696.59 17,587.58
166.88 696.59 17,057.88
161.86 696.59 16,523.15
156.78 696.59 15,983.35
151.66 696.59 15,438.42
146.49 696.59 14,888.33
141.27 696.59 14,333.01
136.00 696.59 13,772.43
130.68 696.59 13,206.52
125.31 696.59 12,635.25
119.89 696.59 12,058.55
114.42 696.59 11,476.39
108.90 696.59 10,888.70
103.32 696.59 10,295.43
97.69 696.59 9,696.53
92.01 696.59 9,091.95
86.27 696.59 8,481.64
80.48 696.59 7,865.53
74.63 696.59 7,243.58
68.73 696.59 6,615.72
62.78 696.59 5,981.91
56.76 696.59 5,342.08
50.69 696.59 4,696.19
44.56 696.59 4,044.16
38.37 696.59 3,385.95
32.13 696.59 2,721.49
25.82 696.59 2,050.72
19.46 696.59 1,373.59
13.03 696.59 690.04
6.55 696.59 - 0.00
uego de haber pagado la cuota extraordinaria?

haber cancelado la cuota extraordinaria? 

o luego de haber cancelado la cuota extraordinaria? 

 mensual después de haber realizado el pago extraordinario? 

 del crédito si la cuota mensual no se ajusta luego del pago extraordinario?

adamente) el saldo del préstamo inmediatamente de haber cancelado la cuota extraordinaria, cuál será ese monto?  Además, c
, cuál será ese monto?  Además, considerar que existe una penalidad por pre pago del 2.0% (aplicable sobre el monto a pre p
% (aplicable sobre el monto a pre pagar) ¿cuánto sería el monto total a cancelar?  
IV CUADRO DE AMORTIZACION TIPICO
SISTEMA DE CUOTAS FIJAS (METODO FRANCES)
REDUCCION DEL PLAZO MANTENIENDO LA CUOTA
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble ###
cuota inicial 20%
Saldo a financiar por el Banco 80% ###
Plazo de amortización 15 años
n (meses) 180 meses
TEA 12% años
TEM 0.95% meses

Monto de la anualidad o cuota USD 1,393.18 -->> funcion PAGO cuota vencida 0.0116099
Cuota extraordinaria ### en el mes 60
periodo de pago cuota extraordinaria 61 final del periodo 60 o inicio del periodo 61

CUADRO DE AMORTIZACION DE DEUDA CON CUOTA EXTRAORD. R

periodo Saldo Inicial pago extra. nuevo Saldo
0
1 ###
2 119,745.47
3 119,488.53
4 119,229.14
5 118,967.30
6 118,702.97
7 118,436.13
8 118,166.76
9 117,894.84
10 117,620.33
11 117,343.22
12 117,063.48
13 116,781.09
14 116,496.02
15 116,208.24
16 115,917.73
17 115,624.47
18 115,328.42
19 115,029.56
20 114,727.87
21 114,423.31
22 114,115.87
23 113,805.50
24 113,492.19
25 113,175.91
26 112,856.63
27 112,534.32
28 112,208.95
29 111,880.49
30 111,548.92
31 111,214.20
32 110,876.30
33 110,535.20
34 110,190.86
35 109,843.25
36 109,492.35
37 109,138.11
38 108,780.52
39 108,419.53
40 108,055.12
 41 107,687.24
42 107,315.88
43 106,940.99
44 106,562.55
45 106,180.51
46 105,794.85
47 105,405.54
48 105,012.52
49 104,615.78
50 104,215.27
51 103,810.96
52 103,402.82
53 102,990.80
54 102,574.88
55 102,155.00
56 101,731.15
57 101,303.27
58 100,871.33
59 100,435.29
60 99,995.12
1 61 99,550.76 50,000.00 ###
2 62 48,627.76
3 63 47,695.99
4 64 46,755.38
5 65 45,805.85
6 66 44,847.31
7 67 43,879.67
8 68 42,902.85
9 69 41,916.76
10 70 40,921.32
11 71 39,916.42
12 72 38,902.00
13 73 37,877.95
14 74 36,844.18
15 75 35,800.60
16 76 34,747.12
17 77 33,683.64
18 78 32,610.08
19 79 31,526.32
20 80 30,432.28
21 81 29,327.86
22 82 28,212.96
23 83 27,087.49
24 84 25,951.33
25 85 24,804.39
26 86 23,646.57
27 87 22,477.76
28 88 21,297.87
29 89 20,106.77
30 90 18,904.38
31 91 17,690.57
32 92 16,465.25
33 93 15,228.30
34 94 13,979.61
35 95 12,719.08
36 96 11,446.58
37 97 10,162.01
38 98 8,865.25
39 99 7,556.19
40 100 6,234.70
41 101 4,900.68
42 102 3,553.99
43 103 2,194.53
44 104 822.17

###
 CUADRO DE AMORTIZACIÓN CON PAGO EXTRAORDINARIO
a. ¿cuál será el monto del capital amortizado
###
b.            ¿cuál será el saldo adeudado luego de haber cancel
###
c.            ¿cuál será el monto de intereses pagado
###
d.            ¿en cuantos meses se reduciría el plazo del crédito 
En 76 meses
e.             ¿Si quisiera pre pagar (cancelar anticipadamente) e
### 76
x VA = ###

E DEUDA CON CUOTA EXTRAORD. REDUCCIÓN VALOR CUOTA

amort intereses cuota Saldo Final
###
254.53 1,138.66 1,393.18 119,745.47
256.94 1,136.24 1,393.18 119,488.53
259.38 1,133.80 1,393.18 119,229.14
261.84 1,131.34 1,393.18 118,967.30
264.33 1,128.86 1,393.18 118,702.97
266.84 1,126.35 1,393.18 118,436.13
269.37 1,123.82 1,393.18 118,166.76
271.92 1,121.26 1,393.18 117,894.84
274.51 1,118.68 1,393.18 117,620.33
277.11 1,116.07 1,393.18 117,343.22
279.74 1,113.45 1,393.18 117,063.48
282.39 1,110.79 1,393.18 116,781.09
285.07 1,108.11 1,393.18 116,496.02
287.78 1,105.41 1,393.18 116,208.24
290.51 1,102.68 1,393.18 115,917.73
293.27 1,099.92 1,393.18 115,624.47
296.05 1,097.14 1,393.18 115,328.42
298.86 1,094.33 1,393.18 115,029.56
301.69 1,091.49 1,393.18 114,727.87
304.56 1,088.63 1,393.18 114,423.31
307.45 1,085.74 1,393.18 114,115.87
310.36 1,082.82 1,393.18 113,805.50
313.31 1,079.88 1,393.18 113,492.19
316.28 1,076.90 1,393.18 113,175.91
319.28 1,073.90 1,393.18 112,856.63
322.31 1,070.87 1,393.18 112,534.32
325.37 1,067.81 1,393.18 112,208.95
328.46 1,064.73 1,393.18 111,880.49
331.57 1,061.61 1,393.18 111,548.92
334.72 1,058.46 1,393.18 111,214.20
337.90 1,055.29 1,393.18 110,876.30
341.10 1,052.08 1,393.18 110,535.20
344.34 1,048.85 1,393.18 110,190.86
347.61 1,045.58 1,393.18 109,843.25
350.90 1,042.28 1,393.18 109,492.35
354.23 1,038.95 1,393.18 109,138.11
357.60 1,035.59 1,393.18 108,780.52
360.99 1,032.20 1,393.18 108,419.53
364.41 1,028.77 1,393.18 108,055.12
367.87 1,025.31 1,393.18 107,687.24
 371.36 1,021.82 1,393.18 107,315.88
374.89 1,018.30 1,393.18 106,940.99
378.44 1,014.74 1,393.18 106,562.55
382.03 1,011.15 1,393.18 106,180.51
385.66 1,007.52 1,393.18 105,794.85
389.32 1,003.87 1,393.18 105,405.54
393.01 1,000.17 1,393.18 105,012.52
396.74 996.44 1,393.18 104,615.78
400.51 992.68 1,393.18 104,215.27
404.31 988.88 1,393.18 103,810.96
408.14 985.04 1,393.18 103,402.82
412.02 981.17 1,393.18 102,990.80
415.93 977.26 1,393.18 102,574.88
419.87 973.31 1,393.18 102,155.00
423.86 969.33 1,393.18 101,731.15
427.88 965.31 1,393.18 101,303.27
431.94 961.25 1,393.18 100,871.33
436.04 957.15 1,393.18 100,435.29
440.18 953.01 1,393.18 99,995.12
444.35 948.83 1,393.18 99,550.76
923.01 470.18 ### 48,627.76 Capital amortizado USD 71,372.24
931.77 461.42 1,393.18 47,695.99 Intereses pagados USD 63,612.03
940.61 452.58 1,393.18 46,755.38 Saldo adeudado USD 48,627.76
949.53 443.65 1,393.18 45,805.85 Saldo adeudado (p USD 49,600.31
958.54 434.64 1,393.18 44,847.31
967.64 425.55 1,393.18 43,879.67
976.82 416.37 1,393.18 42,902.85
986.09 407.10 1,393.18 41,916.76
995.45 397.74 1,393.18 40,921.32
1,004.89 388.29 1,393.18 39,916.42
1,014.43 378.76 1,393.18 38,902.00
1,024.05 369.13 1,393.18 37,877.95
1,033.77 359.42 1,393.18 36,844.18
1,043.58 349.61 1,393.18 35,800.60
1,053.48 339.70 1,393.18 34,747.12
1,063.48 329.71 1,393.18 33,683.64
1,073.57 319.62 1,393.18 32,610.08
1,083.75 309.43 1,393.18 31,526.32
1,094.04 299.15 1,393.18 30,432.28
1,104.42 288.77 1,393.18 29,327.86
1,114.90 278.29 1,393.18 28,212.96
1,125.48 267.71 1,393.18 27,087.49
1,136.16 257.03 1,393.18 25,951.33
1,146.94 246.25 1,393.18 24,804.39
1,157.82 235.36 1,393.18 23,646.57
1,168.81 224.38 1,393.18 22,477.76
1,179.90 213.29 1,393.18 21,297.87
1,191.09 202.09 1,393.18 20,106.77
1,202.40 190.79 1,393.18 18,904.38
1,213.81 179.38 1,393.18 17,690.57
1,225.32 167.86 1,393.18 16,465.25
1,236.95 156.24 1,393.18 15,228.30
1,248.69 144.50 1,393.18 13,979.61
1,260.54 132.65 1,393.18 12,719.08
1,272.50 120.69 1,393.18 11,446.58
1,284.57 108.61 1,393.18 10,162.01
1,296.76 96.43 1,393.18 8,865.25
1,309.06 84.12 1,393.18 7,556.19
1,321.49 71.70 1,393.18 6,234.70
1,334.03 59.16 1,393.18 4,900.68
1,346.68 46.50 1,393.18 3,553.99
 1,359.46 33.72 1,393.18 2,194.53
1,372.36 20.82 1,393.18 822.17
1,385.38 7.80 1,393.18 - 563.21

###
###
AGO EXTRAORDINARIO
al amortizado luego de haber pagado la cuota extraordinaria?

do luego de haber cancelado la cuota extraordinaria? 

ereses pagado luego de haber cancelado la cuota extraordinaria? 

ciría el plazo del crédito si la cuota mensual no se ajusta luego del pago extraordinario?

ncelar anticipadamente) el saldo del préstamo inmediatamente de haber cancelado la cuota extraordinaria, cuál será ese monto
extraordinaria, cuál será ese monto?  Además, considerar que existe una penalidad por pre pago del 2.0% (aplicable sobre el m
pago del 2.0% (aplicable sobre el monto a pre pagar) ¿cuánto sería el monto total a cancelar?  
V CUADRO DE AMORTIZACION TIPICO
SISTEMA DE CUOTAS FIJAS (METODO FRANCES)
PAGO DOBLE
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble ###
cuota inicial 20%
Saldo a financiar por el Banco 80% ###
Plazo de amortización 15 años
n (meses) 180 meses
TEA 12% años
TEM 0.95% meses
cuotas dobles mes 7 y 12

Monto de la anualidad o cuota $ 1,393.18 0.0116098734

Monto de la anualidad o cuota normal USD 1,198.99 A=

Monto de la anualidad o cuota doble USD 2,397.97 el factor de descuento es: 1 /(1 + i)^
todo lo que esta entre corchetes [ ] es la sum

VA = A [ ( 𝟏 − (𝟏+𝒊 )^(− 𝒏) )/𝒊 ]

CUADRO DE AMORTIZACION DE DEUDA

periodo Saldo Inicial amort intereses

VA = A [ ( (𝟏+𝒊 )^( 𝒏) −𝟏 )/((𝟏+𝒊 )^( 𝒏) 𝒊) ]
0
1 ### 60.33 1,138.66
A = VA [ ( (𝟏+𝒊 )^( 𝒏) 𝒊 )/((𝟏+𝒊 )^( 𝒏) 2−𝟏) 119,939.67
] 60.90 1,138.08
3 119,878.77 61.48 1,137.50
4 119,817.29 62.06 1,136.92
5 119,755.22 62.65 1,136.33
6 119,692.57 63.25 1,135.74
7 119,629.32 1,262.83 1,135.14
8 118,366.49 75.83 1,123.16
9 118,290.66 76.55 1,122.44
10 118,214.11 77.28 1,121.71
11 118,136.84 78.01 1,120.98
12 118,058.83 1,277.73 1,120.24
13 116,781.09 90.87 1,108.11
14 116,690.22 91.74 1,107.25
15 116,598.48 92.61 1,106.38
16 116,505.88 93.49 1,105.50
17 116,412.39 94.37 1,104.61
18 116,318.02 95.27 1,103.72
19 116,222.75 1,295.16 1,102.81
20 114,927.59 108.46 1,090.52
21 114,819.13 109.49 1,089.49
22 114,709.64 110.53 1,088.46
23 114,599.11 111.58 1,087.41
24 114,487.54 1,311.62 1,086.35
25 113,175.91 125.08 1,073.90
26 113,050.83 126.27 1,072.72
27 112,924.56 127.47 1,071.52
28 112,797.09 128.68 1,070.31
29 112,668.42 129.90 1,069.09
30 112,538.52 131.13 1,067.85
31 112,407.39 1,331.36 1,066.61
32 111,076.03 145.01 1,053.98
33 110,931.02 146.38 1,052.60
34 110,784.64 147.77 1,051.21
35 110,636.86 149.17 1,049.81
36 110,487.69 1,349.58 1,048.39
37 109,138.11 163.40 1,035.59
38 108,974.72 164.95 1,034.04
39 108,809.77 166.51 1,032.47
40 108,643.26 168.09 1,030.89
41 108,475.17 169.69 1,029.30
42 108,305.48 171.30 1,027.69
43 108,134.18 1,371.91 1,026.06
44 106,762.28 185.94 1,013.05
45 106,576.34 187.70 1,011.28
46 106,388.63 189.49 1,009.50
47 106,199.15 191.28 1,007.70
48 106,007.86 1,392.08 1,005.89
49 104,615.78 206.31 992.68
50 104,409.47 208.27 990.72
51 104,201.21 210.24 988.74
52 103,990.96 212.24 986.75
53 103,778.73 214.25 984.73
54 103,564.48 216.28 982.70
55 103,348.19 1,417.32 980.65
56 101,930.87 231.78 967.20
57 101,699.09 233.98 965.00
58 101,465.11 236.20 962.78
59 101,228.90 238.45 960.54
60 100,990.46 1,439.69 958.28
61 99,550.76 254.37 944.62
62 99,296.40 256.78 942.20
63 99,039.61 259.22 939.77
64 98,780.39 261.68 937.31
65 98,518.72 264.16 934.82
66 98,254.55 266.67 932.32
67 97,987.89 1,468.18 929.79
68 96,519.70 283.13 915.86
69 96,236.57 285.82 913.17
70 95,950.76 288.53 910.46
71 95,662.23 291.27 907.72
72 95,370.96 1,493.02 904.96
73 93,877.95 308.20 890.79
74 93,569.75 311.12 887.86
75 93,258.63 314.07 884.91
76 92,944.56 317.05 881.93
77 92,627.50 320.06 878.92
78 92,307.44 323.10 875.89
79 91,984.34 1,525.15 872.82
80 90,459.19 340.64 858.35
81 90,118.55 343.87 855.12
82 89,774.69 347.13 851.85
83 89,427.55 350.43 848.56
84 89,077.13 1,552.74 845.23
85 87,524.39 368.48 830.50
86 87,155.91 371.98 827.00
87 86,783.93 375.51 823.47
88 86,408.42 379.07 819.91
 89 86,029.34 382.67 816.31
90 85,646.67 386.30 812.68
91 85,260.37 1,588.95 809.02
92 83,671.42 405.04 793.94
93 83,266.37 408.89 790.10
94 82,857.49 412.77 786.22
95 82,444.72 416.68 782.30
96 82,028.03 1,619.62 778.35
97 80,408.41 436.01 762.98
98 79,972.40 440.14 758.84
99 79,532.26 444.32 754.67
100 79,087.94 448.54 750.45
101 78,639.40 452.79 746.19
102 78,186.61 457.09 741.90
103 77,729.52 1,660.41 737.56
104 76,069.11 477.18 721.80
105 75,591.93 481.71 717.28
106 75,110.22 486.28 712.71
107 74,623.94 490.89 708.09
108 74,133.05 1,694.54 703.43
109 72,438.51 511.63 687.35
110 71,926.88 516.49 682.50
111 71,410.39 521.39 677.60
112 70,889.01 526.33 672.65
113 70,362.67 531.33 667.66
114 69,831.34 536.37 662.62
115 69,294.97 1,740.44 657.53
116 67,554.53 557.97 641.01
117 66,996.56 563.27 635.72
118 66,433.29 568.61 630.37
119 65,864.67 574.01 624.98
120 65,290.66 1,778.44 619.53
121 63,512.22 596.33 602.65
122 62,915.89 601.99 597.00
123 62,313.90 607.70 591.28
124 61,706.20 613.47 585.52
125 61,092.73 619.29 579.70
126 60,473.44 625.17 573.82
127 59,848.28 1,830.08 567.89
128 58,018.20 648.46 550.52
129 57,369.73 654.62 544.37
130 56,715.12 660.83 538.16
131 56,054.29 667.10 531.89
132 55,387.19 1,872.41 525.56
133 53,514.78 691.19 507.79
134 52,823.59 697.75 501.23
135 52,125.83 704.37 494.61
136 51,421.46 711.06 487.93
137 50,710.40 717.80 481.18
138 49,992.60 724.62 474.37
139 49,267.98 1,930.48 467.49
140 47,337.50 749.81 449.18
141 46,587.70 756.92 442.06
142 45,830.77 764.11 434.88
143 45,066.66 771.36 427.63
144 44,295.31 1,977.66 420.31
145 42,317.65 797.44 401.54
146 41,520.20 805.01 393.98
147 40,715.20 812.65 386.34
148 39,902.55 820.36 378.63
149 39,082.19 828.14 370.84
150 38,254.05 836.00 362.98
151 37,418.05 2,042.92 355.05
152 35,375.13 863.32 335.67
153 34,511.81 871.51 327.48
154 33,640.30 879.78 319.21
155 32,760.52 888.13 310.86
156 31,872.39 2,095.54 302.43
157 29,776.85 916.44 282.55
158 28,860.42 925.13 273.85
159 27,935.28 933.91 265.07
160 27,001.37 942.77 256.21
161 26,058.59 951.72 247.26
162 25,106.87 960.75 238.23
163 24,146.12 2,168.85 229.12
164 21,977.27 990.45 208.54
165 20,986.82 999.85 199.14
166 19,986.98 1,009.33 189.65
167 18,977.64 1,018.91 180.07
168 17,958.73 2,227.56 170.41
169 15,731.17 1,049.72 149.27
170 14,681.45 1,059.68 139.31
171 13,621.78 1,069.73 129.25
172 12,552.05 1,079.88 119.10
173 11,472.16 1,090.13 108.86
174 10,382.04 1,100.47 98.51
175 9,281.56 2,309.90 88.07
176 6,971.66 1,132.83 66.15
177 5,838.83 1,143.58 55.40
178 4,695.25 1,154.43 44.55
179 3,540.82 1,165.39 33.60
180 2,375.43 2,375.43 22.54

###
 CUADRO DE AMORTIZACIÓN CON
a.     ¿cuál será el monto de la a
###
###

x VA = S/.1,393.18

VA / X
factor de descuento es: 1 /(1 + i)^ n
do lo que esta entre corchetes [ ] es la suma de los factores de descuento que denominaremos "X"

ACION DE DEUDA
N° factor descuento factor descuento
cuota Saldo Final
cuotas (1 / (1 + i)^ n Ajustado x cuota dobles
###
1,198.99 119,939.67 1 0.990600 0.990600
1,198.99 119,878.77 1 0.981289 0.981289
1,198.99 119,817.29 1 0.972065 0.972065
1,198.99 119,755.22 1 0.962928 0.962928
1,198.99 119,692.57 1 0.953877 0.953877
1,198.99 119,629.32 1 0.944911 0.944911
2,397.97 118,366.49 2 0.936029 1.872059
1,198.99 118,290.66 1 0.927231 0.927231
1,198.99 118,214.11 1 0.918515 0.918515
1,198.99 118,136.84 1 0.909882 0.909882
1,198.99 118,058.83 1 0.901329 0.901329
2,397.97 116,781.09 2 0.892857 1.785714
1,198.99 116,690.22 1 0.884465 0.884465
1,198.99 116,598.48 1 0.876151 0.876151
1,198.99 116,505.88 1 0.867916 0.867916
1,198.99 116,412.39 1 0.859757 0.859757
1,198.99 116,318.02 1 0.851676 0.851676
1,198.99 116,222.75 1 0.843671 0.843671
2,397.97 114,927.59 2 0.835741 1.671481
1,198.99 114,819.13 1 0.827885 0.827885
1,198.99 114,709.64 1 0.820103 0.820103
1,198.99 114,599.11 1 0.812394 0.812394
1,198.99 114,487.54 1 0.804758 0.804758
2,397.97 113,175.91 2 0.797194 1.594388
1,198.99 113,050.83 1 0.789701 0.789701
1,198.99 112,924.56 1 0.782278 0.782278
1,198.99 112,797.09 1 0.774925 0.774925
1,198.99 112,668.42 1 0.767641 0.767641
1,198.99 112,538.52 1 0.760425 0.760425
1,198.99 112,407.39 1 0.753277 0.753277
2,397.97 111,076.03 2 0.746197 1.492394
1,198.99 110,931.02 1 0.739183 0.739183
1,198.99 110,784.64 1 0.732235 0.732235
1,198.99 110,636.86 1 0.725352 0.725352
1,198.99 110,487.69 1 0.718534 0.718534
2,397.97 109,138.11 2 0.711780 1.423560
1,198.99 108,974.72 1 0.705090 0.705090
1,198.99 108,809.77 1 0.698462 0.698462
1,198.99 108,643.26 1 0.691897 0.691897
1,198.99 108,475.17 1 0.685393 0.685393
1,198.99 108,305.48 1 0.678951 0.678951
1,198.99 108,134.18 1 0.672569 0.672569
2,397.97 106,762.28 2 0.666247 1.332494
1,198.99 106,576.34 1 0.659985 0.659985
1,198.99 106,388.63 1 0.653781 0.653781
1,198.99 106,199.15 1 0.647636 0.647636
1,198.99 106,007.86 1 0.641548 0.641548
2,397.97 104,615.78 2 0.635518 1.271036
1,198.99 104,409.47 1 0.629544 0.629544
1,198.99 104,201.21 1 0.623627 0.623627
1,198.99 103,990.96 1 0.617765 0.617765
1,198.99 103,778.73 1 0.611958 0.611958
1,198.99 103,564.48 1 0.606206 0.606206
1,198.99 103,348.19 1 0.600508 0.600508
2,397.97 101,930.87 2 0.594864 1.189727
1,198.99 101,699.09 1 0.589272 0.589272
1,198.99 101,465.11 1 0.583733 0.583733
1,198.99 101,228.90 1 0.578246 0.578246
1,198.99 100,990.46 1 0.572811 0.572811
2,397.97 99,550.76 2 0.567427 1.134854
1,198.99 99,296.40 1 0.562093 0.562093
1,198.99 99,039.61 1 0.556810 0.556810
1,198.99 98,780.39 1 0.551576 0.551576
1,198.99 98,518.72 1 0.546391 0.546391
1,198.99 98,254.55 1 0.541256 0.541256
1,198.99 97,987.89 1 0.536168 0.536168
2,397.97 96,519.70 2 0.531128 1.062256
1,198.99 96,236.57 1 0.526136 0.526136
1,198.99 95,950.76 1 0.521190 0.521190
1,198.99 95,662.23 1 0.516291 0.516291
1,198.99 95,370.96 1 0.511438 0.511438
2,397.97 93,877.95 2 0.506631 1.013262
1,198.99 93,569.75 1 0.501869 0.501869
1,198.99 93,258.63 1 0.497152 0.497152
1,198.99 92,944.56 1 0.492479 0.492479
1,198.99 92,627.50 1 0.487849 0.487849
1,198.99 92,307.44 1 0.483264 0.483264
1,198.99 91,984.34 1 0.478721 0.478721
2,397.97 90,459.19 2 0.474222 0.948443
1,198.99 90,118.55 1 0.469764 0.469764
1,198.99 89,774.69 1 0.465349 0.465349
1,198.99 89,427.55 1 0.460974 0.460974
1,198.99 89,077.13 1 0.456641 0.456641
2,397.97 87,524.39 2 0.452349 0.904698
1,198.99 87,155.91 1 0.448097 0.448097
1,198.99 86,783.93 1 0.443885 0.443885
1,198.99 86,408.42 1 0.439713 0.439713
1,198.99 86,029.34 1 0.435580 0.435580
1,198.99 85,646.67 1 0.431486 0.431486
1,198.99 85,260.37 1 0.427430 0.427430
2,397.97 83,671.42 2 0.423412 0.846824
1,198.99 83,266.37 1 0.419432 0.419432
1,198.99 82,857.49 1 0.415490 0.415490
1,198.99 82,444.72 1 0.411584 0.411584
1,198.99 82,028.03 1 0.407716 0.407716
2,397.97 80,408.41 2 0.403883 0.807766
1,198.99 79,972.40 1 0.400087 0.400087
1,198.99 79,532.26 1 0.396326 0.396326
1,198.99 79,087.94 1 0.392601 0.392601
1,198.99 78,639.40 1 0.388911 0.388911
1,198.99 78,186.61 1 0.385255 0.385255
1,198.99 77,729.52 1 0.381634 0.381634
2,397.97 76,069.11 2 0.378047 0.756093
1,198.99 75,591.93 1 0.374493 0.374493
1,198.99 75,110.22 1 0.370973 0.370973
1,198.99 74,623.94 1 0.367486 0.367486
1,198.99 74,133.05 1 0.364032 0.364032
2,397.97 72,438.51 2 0.360610 0.721220
1,198.99 71,926.88 1 0.357220 0.357220
1,198.99 71,410.39 1 0.353863 0.353863
1,198.99 70,889.01 1 0.350537 0.350537
1,198.99 70,362.67 1 0.347242 0.347242
1,198.99 69,831.34 1 0.343978 0.343978
1,198.99 69,294.97 1 0.340744 0.340744
2,397.97 67,554.53 2 0.337542 0.675083
1,198.99 66,996.56 1 0.334369 0.334369
1,198.99 66,433.29 1 0.331226 0.331226
1,198.99 65,864.67 1 0.328113 0.328113
1,198.99 65,290.66 1 0.325028 0.325028
2,397.97 63,512.22 2 0.321973 0.643946
1,198.99 62,915.89 1 0.318947 0.318947
1,198.99 62,313.90 1 0.315949 0.315949
1,198.99 61,706.20 1 0.312979 0.312979
1,198.99 61,092.73 1 0.310037 0.310037
1,198.99 60,473.44 1 0.307123 0.307123
1,198.99 59,848.28 1 0.304236 0.304236
2,397.97 58,018.20 2 0.301376 0.602753
1,198.99 57,369.73 1 0.298544 0.298544
1,198.99 56,715.12 1 0.295737 0.295737
1,198.99 56,054.29 1 0.292958 0.292958
1,198.99 55,387.19 1 0.290204 0.290204
2,397.97 53,514.78 2 0.287476 0.574952
1,198.99 52,823.59 1 0.284774 0.284774
1,198.99 52,125.83 1 0.282097 0.282097
1,198.99 51,421.46 1 0.279446 0.279446
1,198.99 50,710.40 1 0.276819 0.276819
1,198.99 49,992.60 1 0.274217 0.274217
1,198.99 49,267.98 1 0.271639 0.271639
2,397.97 47,337.50 2 0.269086 0.538172
1,198.99 46,587.70 1 0.266557 0.266557
1,198.99 45,830.77 1 0.264051 0.264051
1,198.99 45,066.66 1 0.261569 0.261569
1,198.99 44,295.31 1 0.259111 0.259111
2,397.97 42,317.65 2 0.256675 0.513350
1,198.99 41,520.20 1 0.254262 0.254262
1,198.99 40,715.20 1 0.251872 0.251872
1,198.99 39,902.55 1 0.249505 0.249505
1,198.99 39,082.19 1 0.247160 0.247160
1,198.99 38,254.05 1 0.244837 0.244837
1,198.99 37,418.05 1 0.242535 0.242535
2,397.97 35,375.13 2 0.240255 0.480511
1,198.99 34,511.81 1 0.237997 0.237997
1,198.99 33,640.30 1 0.235760 0.235760
1,198.99 32,760.52 1 0.233544 0.233544
1,198.99 31,872.39 1 0.231349 0.231349
2,397.97 29,776.85 2 0.229174 0.458348
1,198.99 28,860.42 1 0.227020 0.227020
1,198.99 27,935.28 1 0.224886 0.224886
1,198.99 27,001.37 1 0.222772 0.222772
1,198.99 26,058.59 1 0.220678 0.220678
1,198.99 25,106.87 1 0.218604 0.218604
1,198.99 24,146.12 1 0.216549 0.216549
2,397.97 21,977.27 2 0.214514 0.429028
1,198.99 20,986.82 1 0.212497 0.212497
1,198.99 19,986.98 1 0.210500 0.210500
1,198.99 18,977.64 1 0.208521 0.208521
1,198.99 17,958.73 1 0.206561 0.206561
2,397.97 15,731.17 2 0.204620 0.409240
1,198.99 14,681.45 1 0.202696 0.202696
1,198.99 13,621.78 1 0.200791 0.200791
1,198.99 12,552.05 1 0.198904 0.198904
1,198.99 11,472.16 1 0.197034 0.197034
1,198.99 10,382.04 1 0.195182 0.195182
1,198.99 9,281.56 1 0.193348 0.193348
2,397.97 6,971.66 2 0.191530 0.383060
1,198.99 5,838.83 1 0.189730 0.189730
1,198.99 4,695.25 1 0.187946 0.187946
1,198.99 3,540.82 1 0.186180 0.186180
1,198.99 2,375.43 1 0.184430 0.184430
2,397.97 - 0.00 2 0.182696 0.365393

suma total "X"------>>> 100.084638

Tabla auxiliar de ayuda para cálculo

UADRO DE AMORTIZACIÓN CON PAGO CUOTAS DOBLES
     ¿cuál será el monto de la anualidad, renta o cuota simple y cuál será el monto de la anualidad, renta, cuota doble?
lidad, renta, cuota doble?
 VI CUADRO DE AMORTIZACION TIPICO
SISTEMA DE CUOTAS FIJAS (METODO FRANCES)
CUOTA BYPASS
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble ###
cuota inicial 20%
Saldo a financiar por el Banco 80% ###
Plazo de amortización 15 años
n (meses) 180 meses
TEA 12% años
TEM 0.95% meses
cuotas bypass mes 7 y 12

Monto de la anualidad o cuota $ 1,393.18 0.0116098734

Monto de la anualidad o cuota normal USD 1,662.45 A=

el factor de descuento es: 1 /(1 + i)^
todo lo que esta entre corchetes [ ] e

CUADRO DE AMORTIZACION DE DEUDA

VA = A [ ( 𝟏 − (𝟏+𝒊 )^(− 𝒏) )/𝒊 ]
periodo Saldo Inicial amort intereses

0
VA = A [ ( (𝟏+𝒊 )^( 𝒏) −𝟏 )/((𝟏+𝒊 )^( 𝒏) 𝒊) ] 1 ### 523.80 1,138.66
2 119,476.20 528.77 1,133.68
3 118,947.44 533.78 1,128.67
4 118,413.65 538.85 1,123.60
A = VA [ ( (𝟏+𝒊 )^( 𝒏) 𝒊 )/((𝟏+𝒊 )^( 𝒏) −𝟏) ] 5 117,874.80 543.96 1,118.49
6 117,330.84 549.12 1,113.33
7 116,781.72 - 1,108.12 1,108.12
8 117,889.83 543.82 1,118.63
9 117,346.01 548.98 1,113.47
10 116,797.03 554.19 1,108.26
11 116,242.84 559.45 1,103.00
12 115,683.40 - 1,097.70 1,097.70
13 116,781.09 554.34 1,108.11
14 116,226.75 559.60 1,102.85
15 115,667.15 564.91 1,097.54
16 115,102.24 570.27 1,092.18
17 114,531.97 575.68 1,086.77
18 113,956.29 581.14 1,081.31
19 113,375.14 - 1,075.79 1,075.79
20 114,450.94 576.45 1,086.00
21 113,874.48 581.92 1,080.53
22 113,292.56 587.44 1,075.01
23 112,705.12 593.02 1,069.44
24 112,112.10 - 1,063.81 1,063.81
25 113,175.91 588.55 1,073.90
26 112,587.36 594.13 1,068.32
27 111,993.23 599.77 1,062.68
28 111,393.46 605.46 1,056.99
29 110,788.00 611.21 1,051.24
30 110,176.79 617.01 1,045.44
31 109,559.78 - 1,039.59 1,039.59
32 110,599.37 613.00 1,049.45
33 109,986.37 618.81 1,043.64
34 109,367.56 624.69 1,037.77
35 108,742.87 630.61 1,031.84
36 108,112.26 - 1,025.85 1,025.85
37 109,138.11 626.86 1,035.59
38 108,511.25 632.81 1,029.64
39 107,878.44 638.82 1,023.64
40 107,239.62 644.88 1,017.57
41 106,594.75 651.00 1,011.46
42 105,943.75 657.17 1,005.28
43 105,286.58 - 999.04 999.04
44 106,285.62 653.93 1,008.52
45 105,631.69 660.13 1,002.32
46 104,971.55 666.40 996.05
47 104,305.15 672.72 989.73
48 103,632.43 - 983.35 983.35
49 104,615.78 669.77 992.68
50 103,946.00 676.13 986.32
51 103,269.87 682.55 979.91
52 102,587.33 689.02 973.43
53 101,898.31 695.56 966.89
54 101,202.75 702.16 960.29
55 100,500.59 - 953.63 953.63
56 101,454.22 699.77 962.68
57 100,754.44 706.41 956.04
58 100,048.03 713.12 949.34
59 99,334.91 719.88 942.57
60 98,615.03 - 935.74 935.74
61 99,550.76 717.84 944.62
62 98,832.93 724.65 937.81
63 98,108.28 731.52 930.93
64 97,376.76 738.46 923.99
65 96,638.29 745.47 916.98
66 95,892.82 752.54 909.91
67 95,140.28 - 902.77 902.77
68 96,043.04 751.12 911.33
69 95,291.92 758.25 904.21
70 94,533.68 765.44 897.01
71 93,768.24 772.70 889.75
72 92,995.53 - 882.42 882.42
73 93,877.95 771.66 890.79
74 93,106.28 778.99 883.47
75 92,327.30 786.38 876.07
76 91,540.92 793.84 868.61
77 90,747.08 801.37 861.08
78 89,945.71 808.98 853.48
79 89,136.73 - 845.80 845.80
80 89,982.53 808.63 853.83
81 89,173.91 816.30 846.15
82 88,357.61 824.05 838.41
83 87,533.56 831.86 830.59
84 86,701.70 - 822.69 822.69
85 87,524.39 831.95 830.50
86 86,692.44 839.85 822.61
87 85,852.59 847.81 814.64
88 85,004.78 855.86 806.59
89 84,148.92 863.98 798.47
90 83,284.94 872.18 790.27
91 82,412.76 - 782.00 782.00
 92 83,194.76 873.03 789.42
93 82,321.73 881.32 781.13
94 81,440.41 889.68 772.77
95 80,550.73 898.12 764.33
96 79,652.60 - 755.81 755.81
97 80,408.41 899.47 762.98
98 79,508.94 908.01 754.44
99 78,600.93 916.62 745.83
100 77,684.30 925.32 737.13
101 76,758.98 934.10 728.35
102 75,824.88 942.97 719.49
103 74,881.91 - 710.54 710.54
104 75,592.45 945.17 717.28
105 74,647.28 954.14 708.31
106 73,693.14 963.19 699.26
107 72,729.95 972.33 690.12
108 71,757.62 - 680.89 680.89
109 72,438.51 975.10 687.35
110 71,463.41 984.35 678.10
111 70,479.06 993.69 668.76
112 69,485.37 1,003.12 659.33
113 68,482.25 1,012.64 649.81
114 67,469.61 1,022.25 640.21
115 66,447.37 - 630.51 630.51
116 67,077.87 1,025.96 636.49
117 66,051.91 1,035.70 626.75
118 65,016.21 1,045.53 616.93
119 63,970.68 1,055.45 607.00
120 62,915.23 - 596.99 596.99
121 63,512.22 1,059.80 602.65
122 62,452.43 1,069.85 592.60
123 61,382.57 1,080.01 582.45
124 60,302.57 1,090.25 572.20
125 59,212.31 1,100.60 561.85
126 58,111.71 1,111.04 551.41
127 57,000.67 - 540.87 540.87
128 57,541.54 1,116.45 546.00
129 56,425.09 1,127.05 535.41
130 55,298.04 1,137.74 524.71
131 54,160.30 1,148.54 513.92
132 53,011.76 - 503.02 503.02
133 53,514.78 1,154.66 507.79
134 52,360.12 1,165.62 496.83
135 51,194.50 1,176.68 485.77
136 50,017.82 1,187.84 474.61
137 48,829.98 1,199.11 463.34
138 47,630.87 1,210.49 451.96
139 46,420.37 - 440.47 440.47
140 46,860.85 1,217.80 444.65
141 45,643.05 1,229.35 433.10
142 44,413.69 1,241.02 421.43
143 43,172.67 1,252.80 409.66
144 41,919.88 - 397.77 397.77
145 42,317.65 1,260.91 401.54
146 41,056.74 1,272.87 389.58
147 39,783.86 1,284.95 377.50
148 38,498.91 1,297.14 365.31
149 37,201.77 1,309.45 353.00
150 35,892.32 1,321.88 340.57
151 34,570.44 - 328.03 328.03
152 34,898.47 1,331.31 331.14
153 33,567.16 1,343.94 318.51
154 32,223.22 1,356.69 305.76
155 30,866.53 1,369.57 292.89
156 29,496.96 - 279.89 279.89
157 29,776.85 1,379.91 282.55
158 28,396.95 1,393.00 269.45
159 27,003.95 1,406.22 256.23
160 25,597.73 1,419.56 242.89
161 24,178.17 1,433.03 229.42
162 22,745.14 1,446.63 215.82
163 21,298.51 - 202.10 202.10
164 21,500.61 1,458.44 204.01
165 20,042.17 1,472.28 190.18
166 18,569.90 1,486.25 176.21
167 17,083.65 1,500.35 162.10
168 15,583.30 - 147.87 147.87
169 15,731.17 1,513.18 149.27
170 14,217.99 1,527.54 134.91
171 12,690.45 1,542.04 120.42
172 11,148.41 1,556.67 105.78
173 9,591.74 1,571.44 91.01
174 8,020.31 1,586.35 76.10
175 6,433.96 - 61.05 61.05
176 6,495.01 1,600.82 61.63
177 4,894.18 1,616.01 46.44
178 3,278.17 1,631.35 31.11
179 1,646.83 1,646.83 15.63
180 - 0.00 0.00 - 0.00

###
 CUADRO DE AMORTIZACIÓN CON PAGO
a.    ¿cuál será el monto de la anualid
###

x VA = S/.1,393.18

VA / X
factor de descuento es: 1 /(1 + i)^ n
do lo que esta entre corchetes [ ] es la suma de los factores de descuento que denominaremos "X"

ACION DE DEUDA
N° factor descuento factor descuento
cuota Saldo Final
cuotas (1 / (1 + i)^ n Ajustado x cuota dobles
###
1,662.45 119,476.20 1 0.990600 0.990600
1,662.45 118,947.44 1 0.981289 0.981289
1,662.45 118,413.65 1 0.972065 0.972065
1,662.45 117,874.80 1 0.962928 0.962928
1,662.45 117,330.84 1 0.953877 0.953877
1,662.45 116,781.72 1 0.944911 0.944911
- 117,889.83 - 0.936029 -
1,662.45 117,346.01 1 0.927231 0.927231
1,662.45 116,797.03 1 0.918515 0.918515
1,662.45 116,242.84 1 0.909882 0.909882
1,662.45 115,683.40 1 0.901329 0.901329
- 116,781.09 - 0.892857 -
1,662.45 116,226.75 1 0.884465 0.884465
1,662.45 115,667.15 1 0.876151 0.876151
1,662.45 115,102.24 1 0.867916 0.867916
1,662.45 114,531.97 1 0.859757 0.859757
1,662.45 113,956.29 1 0.851676 0.851676
1,662.45 113,375.14 1 0.843671 0.843671
- 114,450.94 - 0.835741 -
1,662.45 113,874.48 1 0.827885 0.827885
1,662.45 113,292.56 1 0.820103 0.820103
1,662.45 112,705.12 1 0.812394 0.812394
1,662.45 112,112.10 1 0.804758 0.804758
- 113,175.91 - 0.797194 -
1,662.45 112,587.36 1 0.789701 0.789701
1,662.45 111,993.23 1 0.782278 0.782278
1,662.45 111,393.46 1 0.774925 0.774925
1,662.45 110,788.00 1 0.767641 0.767641
1,662.45 110,176.79 1 0.760425 0.760425
1,662.45 109,559.78 1 0.753277 0.753277
- 110,599.37 - 0.746197 -
1,662.45 109,986.37 1 0.739183 0.739183
1,662.45 109,367.56 1 0.732235 0.732235
1,662.45 108,742.87 1 0.725352 0.725352
1,662.45 108,112.26 1 0.718534 0.718534
- 109,138.11 - 0.711780 -
1,662.45 108,511.25 1 0.705090 0.705090
1,662.45 107,878.44 1 0.698462 0.698462
1,662.45 107,239.62 1 0.691897 0.691897
1,662.45 106,594.75 1 0.685393 0.685393
1,662.45 105,943.75 1 0.678951 0.678951
1,662.45 105,286.58 1 0.672569 0.672569
- 106,285.62 - 0.666247 -
1,662.45 105,631.69 1 0.659985 0.659985
1,662.45 104,971.55 1 0.653781 0.653781
1,662.45 104,305.15 1 0.647636 0.647636
1,662.45 103,632.43 1 0.641548 0.641548
- 104,615.78 - 0.635518 -
1,662.45 103,946.00 1 0.629544 0.629544
1,662.45 103,269.87 1 0.623627 0.623627
1,662.45 102,587.33 1 0.617765 0.617765
1,662.45 101,898.31 1 0.611958 0.611958
1,662.45 101,202.75 1 0.606206 0.606206
1,662.45 100,500.59 1 0.600508 0.600508
- 101,454.22 - 0.594864 -
1,662.45 100,754.44 1 0.589272 0.589272
1,662.45 100,048.03 1 0.583733 0.583733
1,662.45 99,334.91 1 0.578246 0.578246
1,662.45 98,615.03 1 0.572811 0.572811
- 99,550.76 - 0.567427 -
1,662.45 98,832.93 1 0.562093 0.562093
1,662.45 98,108.28 1 0.556810 0.556810
1,662.45 97,376.76 1 0.551576 0.551576
1,662.45 96,638.29 1 0.546391 0.546391
1,662.45 95,892.82 1 0.541256 0.541256
1,662.45 95,140.28 1 0.536168 0.536168
- 96,043.04 - 0.531128 -
1,662.45 95,291.92 1 0.526136 0.526136
1,662.45 94,533.68 1 0.521190 0.521190
1,662.45 93,768.24 1 0.516291 0.516291
1,662.45 92,995.53 1 0.511438 0.511438
- 93,877.95 - 0.506631 -
1,662.45 93,106.28 1 0.501869 0.501869
1,662.45 92,327.30 1 0.497152 0.497152
1,662.45 91,540.92 1 0.492479 0.492479
1,662.45 90,747.08 1 0.487849 0.487849
1,662.45 89,945.71 1 0.483264 0.483264
1,662.45 89,136.73 1 0.478721 0.478721
- 89,982.53 - 0.474222 -
1,662.45 89,173.91 1 0.469764 0.469764
1,662.45 88,357.61 1 0.465349 0.465349
1,662.45 87,533.56 1 0.460974 0.460974
1,662.45 86,701.70 1 0.456641 0.456641
- 87,524.39 - 0.452349 -
1,662.45 86,692.44 1 0.448097 0.448097
1,662.45 85,852.59 1 0.443885 0.443885
1,662.45 85,004.78 1 0.439713 0.439713
1,662.45 84,148.92 1 0.435580 0.435580
1,662.45 83,284.94 1 0.431486 0.431486
1,662.45 82,412.76 1 0.427430 0.427430
- 83,194.76 - 0.423412 -
1,662.45 82,321.73 1 0.419432 0.419432
1,662.45 81,440.41 1 0.415490 0.415490
1,662.45 80,550.73 1 0.411584 0.411584
1,662.45 79,652.60 1 0.407716 0.407716
- 80,408.41 - 0.403883 -
1,662.45 79,508.94 1 0.400087 0.400087
1,662.45 78,600.93 1 0.396326 0.396326
1,662.45 77,684.30 1 0.392601 0.392601
1,662.45 76,758.98 1 0.388911 0.388911
1,662.45 75,824.88 1 0.385255 0.385255
1,662.45 74,881.91 1 0.381634 0.381634
- 75,592.45 - 0.378047 -
1,662.45 74,647.28 1 0.374493 0.374493
1,662.45 73,693.14 1 0.370973 0.370973
1,662.45 72,729.95 1 0.367486 0.367486
1,662.45 71,757.62 1 0.364032 0.364032
- 72,438.51 - 0.360610 -
1,662.45 71,463.41 1 0.357220 0.357220
1,662.45 70,479.06 1 0.353863 0.353863
1,662.45 69,485.37 1 0.350537 0.350537
1,662.45 68,482.25 1 0.347242 0.347242
1,662.45 67,469.61 1 0.343978 0.343978
1,662.45 66,447.37 1 0.340744 0.340744
- 67,077.87 - 0.337542 -
1,662.45 66,051.91 1 0.334369 0.334369
1,662.45 65,016.21 1 0.331226 0.331226
1,662.45 63,970.68 1 0.328113 0.328113
1,662.45 62,915.23 1 0.325028 0.325028
- 63,512.22 - 0.321973 -
1,662.45 62,452.43 1 0.318947 0.318947
1,662.45 61,382.57 1 0.315949 0.315949
1,662.45 60,302.57 1 0.312979 0.312979
1,662.45 59,212.31 1 0.310037 0.310037
1,662.45 58,111.71 1 0.307123 0.307123
1,662.45 57,000.67 1 0.304236 0.304236
- 57,541.54 - 0.301376 -
1,662.45 56,425.09 1 0.298544 0.298544
1,662.45 55,298.04 1 0.295737 0.295737
1,662.45 54,160.30 1 0.292958 0.292958
1,662.45 53,011.76 1 0.290204 0.290204
- 53,514.78 - 0.287476 -
1,662.45 52,360.12 1 0.284774 0.284774
1,662.45 51,194.50 1 0.282097 0.282097
1,662.45 50,017.82 1 0.279446 0.279446
1,662.45 48,829.98 1 0.276819 0.276819
1,662.45 47,630.87 1 0.274217 0.274217
1,662.45 46,420.37 1 0.271639 0.271639
- 46,860.85 - 0.269086 -
1,662.45 45,643.05 1 0.266557 0.266557
1,662.45 44,413.69 1 0.264051 0.264051
1,662.45 43,172.67 1 0.261569 0.261569
1,662.45 41,919.88 1 0.259111 0.259111
- 42,317.65 - 0.256675 -
1,662.45 41,056.74 1 0.254262 0.254262
1,662.45 39,783.86 1 0.251872 0.251872
1,662.45 38,498.91 1 0.249505 0.249505
1,662.45 37,201.77 1 0.247160 0.247160
1,662.45 35,892.32 1 0.244837 0.244837
1,662.45 34,570.44 1 0.242535 0.242535
- 34,898.47 - 0.240255 -
1,662.45 33,567.16 1 0.237997 0.237997
1,662.45 32,223.22 1 0.235760 0.235760
1,662.45 30,866.53 1 0.233544 0.233544
1,662.45 29,496.96 1 0.231349 0.231349
- 29,776.85 - 0.229174 -
1,662.45 28,396.95 1 0.227020 0.227020
1,662.45 27,003.95 1 0.224886 0.224886
1,662.45 25,597.73 1 0.222772 0.222772
1,662.45 24,178.17 1 0.220678 0.220678
1,662.45 22,745.14 1 0.218604 0.218604
1,662.45 21,298.51 1 0.216549 0.216549
- 21,500.61 - 0.214514 -
1,662.45 20,042.17 1 0.212497 0.212497
1,662.45 18,569.90 1 0.210500 0.210500
1,662.45 17,083.65 1 0.208521 0.208521
1,662.45 15,583.30 1 0.206561 0.206561
- 15,731.17 - 0.204620 -
1,662.45 14,217.99 1 0.202696 0.202696
1,662.45 12,690.45 1 0.200791 0.200791
1,662.45 11,148.41 1 0.198904 0.198904
1,662.45 9,591.74 1 0.197034 0.197034
1,662.45 8,020.31 1 0.195182 0.195182
1,662.45 6,433.96 1 0.193348 0.193348
- 6,495.01 - 0.191530 -
1,662.45 4,894.18 1 0.189730 0.189730
1,662.45 3,278.17 1 0.187946 0.187946
1,662.45 1,646.83 1 0.186180 0.186180
1,662.45 - 0.00 1 0.184430 0.184430
- - 0.00 - 0.182696 -

suma total "X"------>>> 72.182529

Tabla auxiliar de ayuda para cálculo

UADRO DE AMORTIZACIÓN CON PAGO CUOTAS BY PASS
     ¿cuál será el monto de la anualidad, renta o cuota?
I CUADRO DE AMORTIZACION TIPICO
SISTEMA DE CUOTAS FIJAS (METODO FRANCES)
CUOTAS NORMALES + GASTOS ADICIONALES
1. Desarrollar un cuadro de amortización para un préstamo hipotecario que contempla lo siguiente:
Valor del inmueble USD 150,000.00
cuota inicial 20%
Saldo a financiar por el Banco 80% USD 120,000.00

Gastos legales USD 1,500.00

Gastos de tasación USD 1,000.00
Nuevo Saldo a financiar por el Banco USD 122,500.00
Plazo de amortización 15 años
n (meses) 180 meses
TEA 12% años
TEM 0.95% meses

Monto de la anualidad o cuota USD 1,422.21 -->> funcion PAGO cuota vencida

CUADRO DE AMORTIZACION DE DEUDA

periodo (mes) Saldo Inicial
A = VA [ ( (𝟏+𝒊 )^( 𝒏) 𝒊 )/((𝟏+𝒊 )^( 𝒏) −𝟏) ] 0
1 USD 122,500.00
2 122,240.17
3 121,977.87
4 121,713.08
5 121,445.78
6 121,175.95
7 120,903.55
8 120,628.57
9 120,350.98
10 120,070.76
11 119,787.87
12 119,502.31
13 119,214.03
14 118,923.02
15 118,629.24
16 118,332.68
17 118,033.31
18 117,731.09
19 117,426.01
20 117,118.03
21 116,807.13
22 116,493.28
23 116,176.45
24 115,856.62
25 115,533.74
26 115,207.81
27 114,878.78
28 114,546.64
29 114,211.34
30 113,872.85
31 113,531.16
32 113,186.23
33 112,838.02
34 112,486.50
35 112,131.65
36 111,773.44
37 111,411.83
38 111,046.78
39 110,678.27
40 110,306.26
41 109,930.73
42 109,551.63
43 109,168.93
44 108,782.60
45 108,392.61
46 107,998.91
47 107,601.48
48 107,200.28
49 106,795.27
50 106,386.42
51 105,973.69
52 105,557.05
53 105,136.45
54 104,711.85
55 104,283.23
56 103,850.55
57 103,413.75
58 102,972.81
59 102,527.69
60 102,078.35
61 101,624.74
62 101,166.82
63 100,704.57
64 100,237.92
65 99,766.85
66 99,291.31
67 98,811.25
68 98,326.64
69 97,837.43
70 97,343.58
71 96,845.05
72 96,341.78
73 95,833.74
74 95,320.87
75 94,803.15
76 94,280.50
77 93,752.90
78 93,220.29
79 92,682.63
80 92,139.87
81 91,591.96
82 91,038.84
83 90,480.48
84 89,916.82
85 89,347.82
86 88,773.41
87 88,193.55
88 87,608.19
89 87,017.28
90 86,420.76
91 85,818.58
92 85,210.68
93 84,597.02
94 83,977.54
95 83,352.17
96 82,720.87
97 82,083.59
98 81,440.25
 99 80,790.81
100 80,135.21
101 79,473.38
102 78,805.28
103 78,130.84
104 77,450.00
105 76,762.69
106 76,068.87
107 75,368.46
108 74,661.41
109 73,947.65
110 73,227.11
111 72,499.74
112 71,765.46
113 71,024.22
114 70,275.95
115 69,520.57
116 68,758.03
117 67,988.25
118 67,211.17
119 66,426.71
120 65,634.81
121 64,835.39
122 64,028.39
123 63,213.74
124 62,391.35
125 61,561.16
126 60,723.09
127 59,877.07
128 59,023.02
129 58,160.87
130 57,290.54
131 56,411.94
132 55,525.02
133 54,629.67
134 53,725.83
135 52,813.42
136 51,892.34
137 50,962.53
138 50,023.89
139 49,076.35
140 48,119.81
141 47,154.20
142 46,179.43
143 45,195.41
144 44,202.05
145 43,199.26
146 42,186.96
147 41,165.06
148 40,133.45
149 39,092.06
150 38,040.79
151 36,979.54
152 35,908.22
153 34,826.74
154 33,734.99
155 32,632.89
156 31,520.33
157 30,397.21
158 29,263.43
159 28,118.89
160 26,963.50
161 25,797.14
162 24,619.71
163 23,431.12
164 22,231.24
165 21,019.98
166 19,797.22
167 18,562.87
168 17,316.80
169 16,058.90
170 14,789.07
171 13,507.19
172 12,213.15
173 10,906.83
174 9,588.11
175 8,256.88
176 6,913.02
177 5,556.41
178 4,186.92
179 2,804.44
180 1,408.84
 ESTIMACION DEL COS
Se solicita calcular la T
13.80%

S/.26.12

cion PAGO cuota vencida

TCEA
i mes
CUADRO DE AMORTIZACION DE DEUDA
amort intereses cuota Saldo Final Seg. Desgravamen
Seg. Bien portes cuota totalG astos legales
### 1,500.00
259.83 1,162.38 1,422.21 122,240.17 61.25 45.00 3.5 1,531.96
262.30 1,159.91 1,422.21 121,977.87 61.12 45.00 3.5 1,531.83
264.79 1,157.42 1,422.21 121,713.08 60.99 45.00 3.5 1,531.70
267.30 1,154.91 1,422.21 121,445.78 60.86 45.00 3.5 1,531.57
269.84 1,152.37 1,422.21 121,175.95 60.72 45.00 3.5 1,531.43
272.40 1,149.81 1,422.21 120,903.55 60.59 45.00 3.5 1,531.30
274.98 1,147.23 1,422.21 120,628.57 60.45 45.00 3.5 1,531.16
277.59 1,144.62 1,422.21 120,350.98 60.31 45.00 3.5 1,531.02
280.22 1,141.99 1,422.21 120,070.76 60.18 45.00 3.5 1,530.88
282.88 1,139.33 1,422.21 119,787.87 60.04 45.00 3.5 1,530.74
285.57 1,136.64 1,422.21 119,502.31 59.89 45.00 3.5 1,530.60
288.28 1,133.93 1,422.21 119,214.03 59.75 45.00 3.5 1,530.46
291.01 1,131.20 1,422.21 118,923.02 59.61 45.00 3.5 1,530.32
293.77 1,128.44 1,422.21 118,629.24 59.46 45.00 3.5 1,530.17
296.56 1,125.65 1,422.21 118,332.68 59.31 45.00 3.5 1,530.02
299.38 1,122.83 1,422.21 118,033.31 59.17 45.00 3.5 1,529.88
302.22 1,119.99 1,422.21 117,731.09 59.02 45.00 3.5 1,529.73
305.08 1,117.13 1,422.21 117,426.01 58.87 45.00 3.5 1,529.58
307.98 1,114.23 1,422.21 117,118.03 58.71 45.00 3.5 1,529.42
310.90 1,111.31 1,422.21 116,807.13 58.56 45.00 3.5 1,529.27
313.85 1,108.36 1,422.21 116,493.28 58.40 45.00 3.5 1,529.11
316.83 1,105.38 1,422.21 116,176.45 58.25 45.00 3.5 1,528.96
319.84 1,102.37 1,422.21 115,856.62 58.09 45.00 3.5 1,528.80
322.87 1,099.34 1,422.21 115,533.74 57.93 45.00 3.5 1,528.64
325.93 1,096.28 1,422.21 115,207.81 57.77 45.00 3.5 1,528.48
329.03 1,093.18 1,422.21 114,878.78 57.60 45.00 3.5 1,528.31
332.15 1,090.06 1,422.21 114,546.64 57.44 45.00 3.5 1,528.15
335.30 1,086.91 1,422.21 114,211.34 57.27 45.00 3.5 1,527.98
338.48 1,083.73 1,422.21 113,872.85 57.11 45.00 3.5 1,527.82
341.69 1,080.52 1,422.21 113,531.16 56.94 45.00 3.5 1,527.65
344.94 1,077.27 1,422.21 113,186.23 56.77 45.00 3.5 1,527.48
348.21 1,074.00 1,422.21 112,838.02 56.59 45.00 3.5 1,527.30
351.51 1,070.70 1,422.21 112,486.50 56.42 45.00 3.5 1,527.13
354.85 1,067.36 1,422.21 112,131.65 56.24 45.00 3.5 1,526.95
358.22 1,063.99 1,422.21 111,773.44 56.07 45.00 3.5 1,526.78
361.61 1,060.60 1,422.21 111,411.83 55.89 45.00 3.5 1,526.60
365.05 1,057.16 1,422.21 111,046.78 55.71 45.00 3.5 1,526.42
368.51 1,053.70 1,422.21 110,678.27 55.52 45.00 3.5 1,526.23
372.01 1,050.20 1,422.21 110,306.26 55.34 45.00 3.5 1,526.05
375.54 1,046.67 1,422.21 109,930.73 55.15 45.00 3.5 1,525.86
379.10 1,043.11 1,422.21 109,551.63 54.97 45.00 3.5 1,525.67
382.70 1,039.51 1,422.21 109,168.93 54.78 45.00 3.5 1,525.49
386.33 1,035.88 1,422.21 108,782.60 54.58 45.00 3.5 1,525.29
389.99 1,032.22 1,422.21 108,392.61 54.39 45.00 3.5 1,525.10
393.69 1,028.52 1,422.21 107,998.91 54.20 45.00 3.5 1,524.91
397.43 1,024.78 1,422.21 107,601.48 54.00 45.00 3.5 1,524.71
401.20 1,021.01 1,422.21 107,200.28 53.80 45.00 3.5 1,524.51
405.01 1,017.20 1,422.21 106,795.27 53.60 45.00 3.5 1,524.31
408.85 1,013.36 1,422.21 106,386.42 53.40 45.00 3.5 1,524.11
412.73 1,009.48 1,422.21 105,973.69 53.19 45.00 3.5 1,523.90
416.65 1,005.56 1,422.21 105,557.05 52.99 45.00 3.5 1,523.70
420.60 1,001.61 1,422.21 105,136.45 52.78 45.00 3.5 1,523.49
424.59 997.62 1,422.21 104,711.85 52.57 45.00 3.5 1,523.28
428.62 993.59 1,422.21 104,283.23 52.36 45.00 3.5 1,523.07
432.69 989.52 1,422.21 103,850.55 52.14 45.00 3.5 1,522.85
436.79 985.42 1,422.21 103,413.75 51.93 45.00 3.5 1,522.63
440.94 981.27 1,422.21 102,972.81 51.71 45.00 3.5 1,522.42
445.12 977.09 1,422.21 102,527.69 51.49 45.00 3.5 1,522.20
449.35 972.86 1,422.21 102,078.35 51.26 45.00 3.5 1,521.97
453.61 968.60 1,422.21 101,624.74 51.04 45.00 3.5 1,521.75
457.91 964.30 1,422.21 101,166.82 50.81 45.00 3.5 1,521.52
462.26 959.95 1,422.21 100,704.57 50.58 45.00 3.5 1,521.29
466.64 955.56 1,422.21 100,237.92 50.35 45.00 3.5 1,521.06
471.07 951.14 1,422.21 99,766.85 50.12 45.00 3.5 1,520.83
475.54 946.67 1,422.21 99,291.31 49.88 45.00 3.5 1,520.59
480.05 942.15 1,422.21 98,811.25 49.65 45.00 3.5 1,520.36
484.61 937.60 1,422.21 98,326.64 49.41 45.00 3.5 1,520.12
489.21 933.00 1,422.21 97,837.43 49.16 45.00 3.5 1,519.87
493.85 928.36 1,422.21 97,343.58 48.92 45.00 3.5 1,519.63
498.54 923.67 1,422.21 96,845.05 48.67 45.00 3.5 1,519.38
503.27 918.94 1,422.21 96,341.78 48.42 45.00 3.5 1,519.13
508.04 914.17 1,422.21 95,833.74 48.17 45.00 3.5 1,518.88
512.86 909.35 1,422.21 95,320.87 47.92 45.00 3.5 1,518.63
517.73 904.48 1,422.21 94,803.15 47.66 45.00 3.5 1,518.37
522.64 899.57 1,422.21 94,280.50 47.40 45.00 3.5 1,518.11
527.60 894.61 1,422.21 93,752.90 47.14 45.00 3.5 1,517.85
532.61 889.60 1,422.21 93,220.29 46.88 45.00 3.5 1,517.59
537.66 884.55 1,422.21 92,682.63 46.61 45.00 3.5 1,517.32
542.76 879.45 1,422.21 92,139.87 46.34 45.00 3.5 1,517.05
547.91 874.30 1,422.21 91,591.96 46.07 45.00 3.5 1,516.78
553.11 869.10 1,422.21 91,038.84 45.80 45.00 3.5 1,516.51
558.36 863.85 1,422.21 90,480.48 45.52 45.00 3.5 1,516.23
563.66 858.55 1,422.21 89,916.82 45.24 45.00 3.5 1,515.95
569.01 853.20 1,422.21 89,347.82 44.96 45.00 3.5 1,515.67
574.41 847.80 1,422.21 88,773.41 44.67 45.00 3.5 1,515.38
579.86 842.35 1,422.21 88,193.55 44.39 45.00 3.5 1,515.10
585.36 836.85 1,422.21 87,608.19 44.10 45.00 3.5 1,514.81
590.91 831.30 1,422.21 87,017.28 43.80 45.00 3.5 1,514.51
596.52 825.69 1,422.21 86,420.76 43.51 45.00 3.5 1,514.22
602.18 820.03 1,422.21 85,818.58 43.21 45.00 3.5 1,513.92
607.89 814.31 1,422.21 85,210.68 42.91 45.00 3.5 1,513.62
613.66 808.55 1,422.21 84,597.02 42.61 45.00 3.5 1,513.31
619.49 802.72 1,422.21 83,977.54 42.30 45.00 3.5 1,513.01
625.36 796.85 1,422.21 83,352.17 41.99 45.00 3.5 1,512.70
631.30 790.91 1,422.21 82,720.87 41.68 45.00 3.5 1,512.39
637.29 784.92 1,422.21 82,083.59 41.36 45.00 3.5 1,512.07
643.34 778.87 1,422.21 81,440.25 41.04 45.00 3.5 1,511.75
649.44 772.77 1,422.21 80,790.81 40.72 45.00 3.5 1,511.43
 655.60 766.61 1,422.21 80,135.21 40.40 45.00 3.5 1,511.10
661.82 760.39 1,422.21 79,473.38 40.07 45.00 3.5 1,510.78
668.10 754.11 1,422.21 78,805.28 39.74 45.00 3.5 1,510.45
674.44 747.77 1,422.21 78,130.84 39.40 45.00 3.5 1,510.11
680.84 741.37 1,422.21 77,450.00 39.07 45.00 3.5 1,509.77
687.30 734.91 1,422.21 76,762.69 38.72 45.00 3.5 1,509.43
693.82 728.39 1,422.21 76,068.87 38.38 45.00 3.5 1,509.09
700.41 721.80 1,422.21 75,368.46 38.03 45.00 3.5 1,508.74
707.05 715.16 1,422.21 74,661.41 37.68 45.00 3.5 1,508.39
713.76 708.45 1,422.21 73,947.65 37.33 45.00 3.5 1,508.04
720.54 701.67 1,422.21 73,227.11 36.97 45.00 3.5 1,507.68
727.37 694.84 1,422.21 72,499.74 36.61 45.00 3.5 1,507.32
734.27 687.94 1,422.21 71,765.46 36.25 45.00 3.5 1,506.96
741.24 680.97 1,422.21 71,024.22 35.88 45.00 3.5 1,506.59
748.28 673.93 1,422.21 70,275.95 35.51 45.00 3.5 1,506.22
755.38 666.83 1,422.21 69,520.57 35.14 45.00 3.5 1,505.85
762.54 659.67 1,422.21 68,758.03 34.76 45.00 3.5 1,505.47
769.78 652.43 1,422.21 67,988.25 34.38 45.00 3.5 1,505.09
777.08 645.13 1,422.21 67,211.17 33.99 45.00 3.5 1,504.70
784.46 637.75 1,422.21 66,426.71 33.61 45.00 3.5 1,504.32
791.90 630.31 1,422.21 65,634.81 33.21 45.00 3.5 1,503.92
799.41 622.80 1,422.21 64,835.39 32.82 45.00 3.5 1,503.53
807.00 615.21 1,422.21 64,028.39 32.42 45.00 3.5 1,503.13
814.66 607.55 1,422.21 63,213.74 32.01 45.00 3.5 1,502.72
822.39 599.82 1,422.21 62,391.35 31.61 45.00 3.5 1,502.32
830.19 592.02 1,422.21 61,561.16 31.20 45.00 3.5 1,501.91
838.07 584.14 1,422.21 60,723.09 30.78 45.00 3.5 1,501.49
846.02 576.19 1,422.21 59,877.07 30.36 45.00 3.5 1,501.07
854.05 568.16 1,422.21 59,023.02 29.94 45.00 3.5 1,500.65
862.15 560.06 1,422.21 58,160.87 29.51 45.00 3.5 1,500.22
870.33 551.88 1,422.21 57,290.54 29.08 45.00 3.5 1,499.79
878.59 543.62 1,422.21 56,411.94 28.65 45.00 3.5 1,499.35
886.93 535.28 1,422.21 55,525.02 28.21 45.00 3.5 1,498.92
895.34 526.87 1,422.21 54,629.67 27.76 45.00 3.5 1,498.47
903.84 518.37 1,422.21 53,725.83 27.31 45.00 3.5 1,498.02
912.42 509.79 1,422.21 52,813.42 26.86 45.00 3.5 1,497.57
921.07 501.14 1,422.21 51,892.34 26.41 45.00 3.5 1,497.12
929.81 492.40 1,422.21 50,962.53 25.95 45.00 3.5 1,496.66
938.64 483.57 1,422.21 50,023.89 25.48 45.00 3.5 1,496.19
947.54 474.67 1,422.21 49,076.35 25.01 45.00 3.5 1,495.72
956.53 465.68 1,422.21 48,119.81 24.54 45.00 3.5 1,495.25
965.61 456.60 1,422.21 47,154.20 24.06 45.00 3.5 1,494.77
974.77 447.44 1,422.21 46,179.43 23.58 45.00 3.5 1,494.29
984.02 438.19 1,422.21 45,195.41 23.09 45.00 3.5 1,493.80
993.36 428.85 1,422.21 44,202.05 22.60 45.00 3.5 1,493.31
1,002.79 419.42 1,422.21 43,199.26 22.10 45.00 3.5 1,492.81
1,012.30 409.91 1,422.21 42,186.96 21.60 45.00 3.5 1,492.31
1,021.91 400.30 1,422.21 41,165.06 21.09 45.00 3.5 1,491.80
1,031.60 390.61 1,422.21 40,133.45 20.58 45.00 3.5 1,491.29
1,041.39 380.82 1,422.21 39,092.06 20.07 45.00 3.5 1,490.78
1,051.27 370.94 1,422.21 38,040.79 19.55 45.00 3.5 1,490.26
1,061.25 360.96 1,422.21 36,979.54 19.02 45.00 3.5 1,489.73
1,071.32 350.89 1,422.21 35,908.22 18.49 45.00 3.5 1,489.20
1,081.48 340.73 1,422.21 34,826.74 17.95 45.00 3.5 1,488.66
1,091.75 330.46 1,422.21 33,734.99 17.41 45.00 3.5 1,488.12
1,102.11 320.10 1,422.21 32,632.89 16.87 45.00 3.5 1,487.58
1,112.56 309.65 1,422.21 31,520.33 16.32 45.00 3.5 1,487.03
1,123.12 299.09 1,422.21 30,397.21 15.76 45.00 3.5 1,486.47
1,133.78 288.43 1,422.21 29,263.43 15.20 45.00 3.5 1,485.91
1,144.53 277.67 1,422.21 28,118.89 14.63 45.00 3.5 1,485.34
1,155.40 266.81 1,422.21 26,963.50 14.06 45.00 3.5 1,484.77
 1,166.36 255.85 1,422.21 25,797.14 13.48 45.00 3.5 1,484.19
1,177.43 244.78 1,422.21 24,619.71 12.90 45.00 3.5 1,483.61
1,188.60 233.61 1,422.21 23,431.12 12.31 45.00 3.5 1,483.02
1,199.88 222.33 1,422.21 22,231.24 11.72 45.00 3.5 1,482.43
1,211.26 210.95 1,422.21 21,019.98 11.12 45.00 3.5 1,481.83
1,222.76 199.45 1,422.21 19,797.22 10.51 45.00 3.5 1,481.22
1,234.36 187.85 1,422.21 18,562.87 9.90 45.00 3.5 1,480.61
1,246.07 176.14 1,422.21 17,316.80 9.28 45.00 3.5 1,479.99
1,257.89 164.32 1,422.21 16,058.90 8.66 45.00 3.5 1,479.37
1,269.83 152.38 1,422.21 14,789.07 8.03 45.00 3.5 1,478.74
1,281.88 140.33 1,422.21 13,507.19 7.39 45.00 3.5 1,478.10
1,294.04 128.17 1,422.21 12,213.15 6.75 45.00 3.5 1,477.46
1,306.32 115.89 1,422.21 10,906.83 6.11 45.00 3.5 1,476.82
1,318.72 103.49 1,422.21 9,588.11 5.45 45.00 3.5 1,476.16
1,331.23 90.98 1,422.21 8,256.88 4.79 45.00 3.5 1,475.50
1,343.86 78.35 1,422.21 6,913.02 4.13 45.00 3.5 1,474.84
1,356.61 65.60 1,422.21 5,556.41 3.46 45.00 3.5 1,474.17
1,369.49 52.72 1,422.21 4,186.92 2.78 45.00 3.5 1,473.49
1,382.48 39.73 1,422.21 2,804.44 2.09 45.00 3.5 1,472.80
1,395.60 26.61 1,422.21 1,408.84 1.40 45.00 3.5 1,472.11
1,408.84 13.37 1,422.21 0.00 0.70 45.00 3.5 1,471.41
###
ESTIMACION DEL COSTO TOTAL DE FINANCIAMIENTO (TCEA)
Se solicita calcular la TCEA (tasa de costos efectivo anual).

13.80%
1.08%

Gastos Tasacionflujo de caja VA (flujo de caja@1.01%)

1,000.00 120,000.00 120,000.00
- 1,531.96 -1515.5425349249
- 1,531.83 -1499.1743611509
- 1,531.70 -1482.9817628427
- 1,531.57 -1466.9628582544
- 1,531.43 -1451.1157858054
- 1,531.30 -1435.4387038647
- 1,531.16 -1419.9297905373
- 1,531.02 -1404.5872434523
- 1,530.88 -1389.409279554
- 1,530.74 -1374.3941348947
- 1,530.60 -1359.54006443
- 1,530.46 -1344.8453418162
- 1,530.32 -1330.3082592101
- 1,530.17 -1315.9271270705
- 1,530.02 -1301.700273962
- 1,529.88 -1287.6260463613
- 1,529.73 -1273.702808465
- 1,529.58 -1259.9289419998
- 1,529.42 -1246.3028460346
- 1,529.27 -1232.8229367946
- 1,529.11 -1219.4876474776
- 1,528.96 -1206.295428072
- 1,528.80 -1193.2447451769
- 1,528.64 -1180.3340818242
- 1,528.48 -1167.5619373022
- 1,528.31 -1154.9268269817
- 1,528.15 -1142.4272821436
- 1,527.98 -1130.0618498082
- 1,527.82 -1117.8290925668
- 1,527.65 -1105.7275884146
- 1,527.48 -1093.7559305858
- 1,527.30 -1081.9127273903
- 1,527.13 -1070.1966020518
- 1,526.95 -1058.6061925486
- 1,526.78 -1047.140151455
- 1,526.60 -1035.7971457849
- 1,526.42 -1024.5758568373
- 1,526.23 -1013.4749800431
- 1,526.05 -1002.4932248137
- 1,525.86 -991.6293143909
- 1,525.67 -980.8819856993
- 1,525.49 -970.249989199
- 1,525.29 -959.7320887409
- 1,525.10 -949.3270614232
- 1,524.91 -939.0336974494
- 1,524.71 -928.8507999878
- 1,524.51 -918.7771850325
- 1,524.31 -908.8116812663
- 1,524.11 -898.9531299242
- 1,523.90 -889.2003846594
- 1,523.70 -879.5523114099
- 1,523.49 -870.007788267
- 1,523.28 -860.5657053448
- 1,523.07 -851.2249646518
- 1,522.85 -841.9844799632
- 1,522.63 -832.8431766946
- 1,522.42 -823.7999917776
- 1,522.20 -814.8538735362
- 1,521.97 -806.0037815649
- 1,521.75 -797.2486866076
- 1,521.52 -788.5875704385
- 1,521.29 -780.0194257434
- 1,521.06 -771.5432560034
- 1,520.83 -763.1580753787
- 1,520.59 -754.8629085944
- 1,520.36 -746.6567908273
- 1,520.12 -738.5387675936
- 1,519.87 -730.5078946385
- 1,519.63 -722.5632378264
- 1,519.38 -714.7038730324
- 1,519.13 -706.9288860351
- 1,518.88 -699.2373724105
- 1,518.63 -691.6284374269
- 1,518.37 -684.1011959411
- 1,518.11 -676.6547722957
- 1,517.85 -669.2883002173
- 1,517.59 -662.0009227162
- 1,517.32 -654.7917919866
- 1,517.05 -647.6600693082
- 1,516.78 -640.6049249493
- 1,516.51 -633.6255380698
- 1,516.23 -626.7210966264
- 1,515.95 -619.8907972783
- 1,515.67 -613.1338452935
- 1,515.38 -606.4494544572
- 1,515.10 -599.83684698
- 1,514.81 -593.2952534077
- 1,514.51 -586.8239125325
- 1,514.22 -580.4220713037
- 1,513.92 -574.0889847412
- 1,513.62 -567.8239158482
- 1,513.31 -561.6261355265
- 1,513.01 -555.4949224911
- 1,512.70 -549.4295631869
- 1,512.39 -543.4293517058
- 1,512.07 -537.4935897044
- 1,511.75 -531.6215863236
- 1,511.43 -525.8126581078
- 1,511.10 -520.0661289259
- 1,510.78 -514.3813298927
- 1,510.45 -508.7575992911
- 1,510.11 -503.1942824956
- 1,509.77 -497.690731896
- 1,509.43 -492.2463068225
- 1,509.09 -486.860373471
- 1,508.74 -481.5323048298
- 1,508.39 -476.2614806068
- 1,508.04 -471.0472871573
- 1,507.68 -465.8891174128
- 1,507.32 -460.7863708108
- 1,506.96 -455.7384532246
- 1,506.59 -450.7447768949
- 1,506.22 -445.8047603611
- 1,505.85 -440.917828394
- 1,505.47 -436.083411929
- 1,505.09 -431.300948
- 1,504.70 -426.5698796741
- 1,504.32 -421.889655987
- 1,503.92 -417.2597318788
- 1,503.53 -412.679568131
- 1,503.13 -408.1486313038
- 1,502.72 -403.6663936742
- 1,502.32 -399.2323331746
- 1,501.91 -394.8459333322
- 1,501.49 -390.5066832094
- 1,501.07 -386.214077344
- 1,500.65 -381.967615691
- 1,500.22 -377.7668035639
- 1,499.79 -373.611151578
- 1,499.35 -369.5001755932
- 1,498.92 -365.4333966577
- 1,498.47 -361.4103409527
- 1,498.02 -357.4305397372
- 1,497.57 -353.4935292935
- 1,497.12 -349.5988508737
- 1,496.66 -345.7460506461
- 1,496.19 -341.9346796428
- 1,495.72 -338.1642937072
- 1,495.25 -334.4344534428
- 1,494.77 -330.7447241622
- 1,494.29 -327.0946758362
- 1,493.80 -323.4838830443
- 1,493.31 -319.9119249254
- 1,492.81 -316.3783851284
- 1,492.31 -312.8828517643
- 1,491.80 -309.4249173585
- 1,491.29 -306.0041788029
- 1,490.78 -302.6202373098
- 1,490.26 -299.2726983651
- 1,489.73 -295.9611716827
- 1,489.20 -292.6852711593
- 1,488.66 -289.4446148292
- 1,488.12 -286.2388248205
- 1,487.58 -283.0675273107
- 1,487.03 -279.9303524837
- 1,486.47 -276.8269344867
- 1,485.91 -273.7569113876
- 1,485.34 -270.7199251333
- 1,484.77 -267.7156215077
- 1,484.19 -264.7436500912
- 1,483.61 -261.8036642194
- 1,483.02 -258.895320943
- 1,482.43 -256.0182809884
- 1,481.83 -253.1722087178
- 1,481.22 -250.3567720905
- 1,480.61 -247.5716426242
- 1,479.99 -244.8164953572
- 1,479.37 -242.0910088102
- 1,478.74 -239.3948649492
- 1,478.10 -236.7277491488
- 1,477.46 -234.0893501553
- 1,476.82 -231.4793600507
- 1,476.16 -228.8974742172
- 1,475.50 -226.3433913014
- 1,474.84 -223.8168131796
- 1,474.17 -221.3174449231
- 1,473.49 -218.8449947641
- 1,472.80 -216.3991740615
- 1,472.11 -213.9796972679
- 1,471.41 -211.5862818959