Valor total del prestamo 12000000

Tasa de interes anual 0.09

Tiempo (años) 20
Frecuencia 12
Periodos (mensualidades) ` 240

Cuota nivelada 107967.11

CUADRO DE AMORTIZACION DE PRESTAMO

No. Cuota Capital Intereses Saldo
0 12000000
1 107967.11 17967.11 90000.00 11982032.89
2 107967.11 18101.87 89865.25 11963931.02
3 107967.11 18237.63 89729.48 11945693.39
4 107967.11 18374.41 89592.70 11927318.97
5 107967.11 18512.22 89454.89 11908806.75
6 107967.11 18651.06 89316.05 11890155.68
7 107967.11 18790.95 89176.17 11871364.74
8 107967.11 18931.88 89035.24 11852432.86
9 107967.11 19073.87 88893.25 11833358.99
10 107967.11 19216.92 88750.19 11814142.07
11 107967.11 19361.05 88606.07 11794781.02
12 107967.11 19506.26 88460.86 11775274.76
13 107967.11 19652.55 88314.56 11755622.21
14 107967.11 19799.95 88167.17 11735822.26
15 107967.11 19948.45 88018.67 11715873.81
16 107967.11 20098.06 87869.05 11695775.75
17 107967.11 20248.80 87718.32 11675526.95
18 107967.11 20400.66 87566.45 11655126.29
19 107967.11 20553.67 87413.45 11634572.62
20 107967.11 20707.82 87259.29 11613864.80
21 107967.11 20863.13 87103.99 11593001.67
22 107967.11 21019.60 86947.51 11571982.07
23 107967.11 21177.25 86789.87 11550804.82
24 107967.11 21336.08 86631.04 11529468.75
25 107967.11 21496.10 86471.02 11507972.65
26 107967.11 21657.32 86309.79 11486315.33
27 107967.11 21819.75 86147.36 11464495.58
28 107967.11 21983.40 85983.72 11442512.18
29 107967.11 22148.27 85818.84 11420363.91
30 107967.11 22314.39 85652.73 11398049.52
31 107967.11 22481.74 85485.37 11375567.78
32 107967.11 22650.36 85316.76 11352917.42
33 107967.11 22820.23 85146.88 11330097.19
34 107967.11 22991.39 84975.73 11307105.80
35 107967.11 23163.82 84803.29 11283941.98
36 107967.11 23337.55 84629.56 11260604.43
37 107967.11 23512.58 84454.53 11237091.85
38 107967.11 23688.93 84278.19 11213402.92
39 107967.11 23866.59 84100.52 11189536.33
40 107967.11 24045.59 83921.52 11165490.74
41 107967.11 24225.93 83741.18 11141264.80
42 107967.11 24407.63 83559.49 11116857.17
43 107967.11 24590.69 83376.43 11092266.49
44 107967.11 24775.12 83192.00 11067491.37
45 107967.11 24960.93 83006.19 11042530.44
46 107967.11 25148.14 82818.98 11017382.31
47 107967.11 25336.75 82630.37 10992045.56
48 107967.11 25526.77 82440.34 10966518.79
49 107967.11 25718.22 82248.89 10940800.56
50 107967.11 25911.11 82056.00 10914889.45
51 107967.11 26105.44 81861.67 10888784.01
52 107967.11 26301.23 81665.88 10862482.77
53 107967.11 26498.49 81468.62 10835984.28
54 107967.11 26697.23 81269.88 10809287.05
55 107967.11 26897.46 81069.65 10782389.58
56 107967.11 27099.19 80867.92 10755290.39
57 107967.11 27302.44 80664.68 10727987.96
58 107967.11 27507.21 80459.91 10700480.75
59 107967.11 27713.51 80253.61 10672767.24
60 107967.11 27921.36 80045.75 10644845.88
61 107967.11 28130.77 79836.34 10616715.11
62 107967.11 28341.75 79625.36 10588373.36
63 107967.11 28554.31 79412.80 10559819.04
64 107967.11 28768.47 79198.64 10531050.57
65 107967.11 28984.24 78982.88 10502066.34
66 107967.11 29201.62 78765.50 10472864.72
67 107967.11 29420.63 78546.49 10443444.09
68 107967.11 29641.28 78325.83 10413802.81
69 107967.11 29863.59 78103.52 10383939.21
70 107967.11 30087.57 77879.54 10353851.64
71 107967.11 30313.23 77653.89 10323538.41
72 107967.11 30540.58 77426.54 10292997.84
73 107967.11 30769.63 77197.48 10262228.21
74 107967.11 31000.40 76966.71 10231227.80
75 107967.11 31232.91 76734.21 10199994.90
76 107967.11 31467.15 76499.96 10168527.74
77 107967.11 31703.16 76263.96 10136824.59
78 107967.11 31940.93 76026.18 10104883.66
79 107967.11 32180.49 75786.63 10072703.17
80 107967.11 32421.84 75545.27 10040281.33
81 107967.11 32665.00 75302.11 10007616.33
82 107967.11 32909.99 75057.12 9974706.33
83 107967.11 33156.82 74810.30 9941549.52
84 107967.11 33405.49 74561.62 9908144.02
 85 107967.11 33656.03 74311.08 9874487.99
86 107967.11 33908.45 74058.66 9840579.53
87 107967.11 34162.77 73804.35 9806416.76
88 107967.11 34418.99 73548.13 9771997.78
89 107967.11 34677.13 73289.98 9737320.64
90 107967.11 34937.21 73029.90 9702383.43
91 107967.11 35199.24 72767.88 9667184.20
92 107967.11 35463.23 72503.88 9631720.96
93 107967.11 35729.21 72237.91 9595991.75
94 107967.11 35997.18 71969.94 9559994.58
95 107967.11 36267.16 71699.96 9523727.42
96 107967.11 36539.16 71427.96 9487188.26
97 107967.11 36813.20 71153.91 9450375.06
98 107967.11 37089.30 70877.81 9413285.76
99 107967.11 37367.47 70599.64 9375918.29
100 107967.11 37647.73 70319.39 9338270.56
101 107967.11 37930.09 70037.03 9300340.47
102 107967.11 38214.56 69752.55 9262125.91
103 107967.11 38501.17 69465.94 9223624.74
104 107967.11 38789.93 69177.19 9184834.81
105 107967.11 39080.85 68886.26 9145753.96
106 107967.11 39373.96 68593.15 9106380.00
107 107967.11 39669.26 68297.85 9066710.74
108 107967.11 39966.78 68000.33 9026743.95
109 107967.11 40266.54 67700.58 8986477.42
110 107967.11 40568.53 67398.58 8945908.88
111 107967.11 40872.80 67094.32 8905036.08
112 107967.11 41179.34 66787.77 8863856.74
113 107967.11 41488.19 66478.93 8822368.55
114 107967.11 41799.35 66167.76 8780569.20
115 107967.11 42112.85 65854.27 8738456.36
116 107967.11 42428.69 65538.42 8696027.66
117 107967.11 42746.91 65220.21 8653280.76
118 107967.11 43067.51 64899.61 8610213.25
119 107967.11 43390.52 64576.60 8566822.73
120 107967.11 43715.94 64251.17 8523106.79
121 107967.11 44043.81 63923.30 8479062.97
122 107967.11 44374.14 63592.97 8434688.83
123 107967.11 44706.95 63260.17 8389981.88
124 107967.11 45042.25 62924.86 8344939.63
125 107967.11 45380.07 62587.05 8299559.56
126 107967.11 45720.42 62246.70 8253839.15
127 107967.11 46063.32 61903.79 8207775.83
128 107967.11 46408.80 61558.32 8161367.03
129 107967.11 46756.86 61210.25 8114610.17
130 107967.11 47107.54 60859.58 8067502.63
131 107967.11 47460.84 60506.27 8020041.78
132 107967.11 47816.80 60150.31 7972224.98
133 107967.11 48175.43 59791.69 7924049.56
134 107967.11 48536.74 59430.37 7875512.81
135 107967.11 48900.77 59066.35 7826612.04
136 107967.11 49267.52 58699.59 7777344.52
137 107967.11 49637.03 58330.08 7727707.49
138 107967.11 50009.31 57957.81 7677698.18
139 107967.11 50384.38 57582.74 7627313.80
140 107967.11 50762.26 57204.85 7576551.54
141 107967.11 51142.98 56824.14 7525408.56
142 107967.11 51526.55 56440.56 7473882.01
143 107967.11 51913.00 56054.12 7421969.01
144 107967.11 52302.35 55664.77 7369666.67
145 107967.11 52694.61 55272.50 7316972.05
146 107967.11 53089.82 54877.29 7263882.23
147 107967.11 53488.00 54479.12 7210394.23
148 107967.11 53889.16 54077.96 7156505.07
149 107967.11 54293.33 53673.79 7102211.74
150 107967.11 54700.53 53266.59 7047511.22
151 107967.11 55110.78 52856.33 6992400.44
152 107967.11 55524.11 52443.00 6936876.32
153 107967.11 55940.54 52026.57 6880935.78
154 107967.11 56360.10 51607.02 6824575.69
155 107967.11 56782.80 51184.32 6767792.89
156 107967.11 57208.67 50758.45 6710584.22
157 107967.11 57637.73 50329.38 6652946.49
158 107967.11 58070.02 49897.10 6594876.47
159 107967.11 58505.54 49461.57 6536370.93
160 107967.11 58944.33 49022.78 6477426.60
161 107967.11 59386.42 48580.70 6418040.18
162 107967.11 59831.81 48135.30 6358208.37
163 107967.11 60280.55 47686.56 6297927.82
164 107967.11 60732.66 47234.46 6237195.16
165 107967.11 61188.15 46778.96 6176007.01
166 107967.11 61647.06 46320.05 6114359.95
167 107967.11 62109.42 45857.70 6052250.53
168 107967.11 62575.24 45391.88 5989675.30
169 107967.11 63044.55 44922.56 5926630.75
170 107967.11 63517.38 44449.73 5863113.36
171 107967.11 63993.76 43973.35 5799119.60
172 107967.11 64473.72 43493.40 5734645.88
173 107967.11 64957.27 43009.84 5669688.61
174 107967.11 65444.45 42522.66 5604244.16
175 107967.11 65935.28 42031.83 5538308.88
176 107967.11 66429.80 41537.32 5471879.08
177 107967.11 66928.02 41039.09 5404951.06
178 107967.11 67429.98 40537.13 5337521.08
179 107967.11 67935.71 40031.41 5269585.37
180 107967.11 68445.22 39521.89 5201140.14
181 107967.11 68958.56 39008.55 5132181.58
182 107967.11 69475.75 38491.36 5062705.83
183 107967.11 69996.82 37970.29 4992709.01
184 107967.11 70521.80 37445.32 4922187.21
185 107967.11 71050.71 36916.40 4851136.50
186 107967.11 71583.59 36383.52 4779552.91
187 107967.11 72120.47 35846.65 4707432.44
188 107967.11 72661.37 35305.74 4634771.07
189 107967.11 73206.33 34760.78 4561564.74
190 107967.11 73755.38 34211.74 4487809.36
191 107967.11 74308.54 33658.57 4413500.81
192 107967.11 74865.86 33101.26 4338634.96
193 107967.11 75427.35 32539.76 4263207.60
194 107967.11 75993.06 31974.06 4187214.54
195 107967.11 76563.01 31404.11 4110651.54
196 107967.11 77137.23 30829.89 4033514.31
197 107967.11 77715.76 30251.36 3955798.55
198 107967.11 78298.63 29668.49 3877499.93
199 107967.11 78885.87 29081.25 3798614.06
200 107967.11 79477.51 28489.61 3719136.55
201 107967.11 80073.59 27893.52 3639062.96
202 107967.11 80674.14 27292.97 3558388.82
203 107967.11 81279.20 26687.92 3477109.62
204 107967.11 81888.79 26078.32 3395220.83
205 107967.11 82502.96 25464.16 3312717.87
206 107967.11 83121.73 24845.38 3229596.14
207 107967.11 83745.14 24221.97 3145851.00
208 107967.11 84373.23 23593.88 3061477.76
209 107967.11 85006.03 22961.08 2976471.73
210 107967.11 85643.58 22323.54 2890828.16
211 107967.11 86285.90 21681.21 2804542.25
212 107967.11 86933.05 21034.07 2717609.21
213 107967.11 87585.05 20382.07 2630024.16
214 107967.11 88241.93 19725.18 2541782.23
215 107967.11 88903.75 19063.37 2452878.48
216 107967.11 89570.53 18396.59 2363307.95
217 107967.11 90242.31 17724.81 2273065.65
218 107967.11 90919.12 17047.99 2182146.52
219 107967.11 91601.02 16366.10 2090545.51
220 107967.11 92288.02 15679.09 1998257.49
221 107967.11 92980.18 14986.93 1905277.30
222 107967.11 93677.53 14289.58 1811599.77
223 107967.11 94380.12 13587.00 1717219.65
224 107967.11 95087.97 12879.15 1622131.68
225 107967.11 95801.13 12165.99 1526330.56
226 107967.11 96519.64 11447.48 1429810.92
227 107967.11 97243.53 10723.58 1332567.39
228 107967.11 97972.86 9994.26 1234594.53
229 107967.11 98707.66 9259.46 1135886.87
230 107967.11 99447.96 8519.15 1036438.91
231 107967.11 100193.82 7773.29 936245.09
232 107967.11 100945.28 7021.84 835299.81
233 107967.11 101702.37 6264.75 733597.44
234 107967.11 102465.13 5501.98 631132.31
235 107967.11 103233.62 4733.49 527898.69
236 107967.11 104007.87 3959.24 423890.81
237 107967.11 104787.93 3179.18 319102.88
238 107967.11 105573.84 2393.27 213529.04
239 107967.11 106365.65 1601.47 107163.39
240 107967.11 107163.39 803.73 0.00
1.¿Cuál es la cuota a pagar mensualmente?
La cuota seria 10,796.91

¿Cuál es el equivalente en Valor Actual Neto de todos los intereses

pagados en el préstamo?

¿En qué tiempo terminará pagando el préstamo?

Si el banco le propone pagar $20,000,000 al final del año 20 (calculado a

una tasa fija de 12%), en vez de hacer la amortización mensual, ¿qué opción
debería elegir el cliente?