Scribd Logo
Upload

Welcome to Scribd!

  • S4 Metodos de Amortizacion

    Uploaded by

    David Lizarme
    5 views4 pages
    The document compares different amortization methods for a loan with a principal of 100, interest rate of 10%, and term of 10 years. It shows the annual capital, interest, amortization, and payment for: constant quota, constant quota with 2 grace periods, arbitrary quotas, constant amortization, and constant payment amounts. The constant quota method results in decreasing capital balances and interest amounts but constant total payments each period. The constant payment method results in decreasing interest but constant amortization amounts each period.

    Original Description:

    Original Title

    S4 Metodos de amortizacion

    Copyright

    © © All Rights Reserved

    Available Formats

    XLSX, PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Report this Document
    The document compares different amortization methods for a loan with a principal of 100, interest rate of 10%, and term of 10 years. It shows the annual capital, interest, amortization, and payment for: constant quota, constant quota with 2 grace periods, arbitrary quotas, constant amortization, and constant payment amounts. The constant quota method results in decreasing capital balances and interest amounts but constant total payments each period. The constant payment method results in decreasing interest but constant amortization amounts each period.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xlsx, pdf, or txt
    5 views4 pages

    S4 Metodos de Amortizacion

    Uploaded by

    David Lizarme
    The document compares different amortization methods for a loan with a principal of 100, interest rate of 10%, and term of 10 years. It shows the annual capital, interest, amortization, and payment for: constant quota, constant quota with 2 grace periods, arbitrary quotas, constant amortization, and constant payment amounts. The constant quota method results in decreasing capital balances and interest amounts but constant total payments each period. The constant payment method results in decreasing interest but constant amortization amounts each period.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as xlsx, pdf, or txt
    of 4

    Cuotas constantes Interés constante

    Capital 100 f 16.27 Capital 100


    i 10% i 10%
    n 10 n 10
    n Capital Interés Amortización Cuota n Capital
    0 100 0 100.00
    1 93.73 10.00 6.27 16.27 14.7950 1 100.00
    2 86.82 9.37 6.90 16.27 13.4500 2 100.00
    3 79.23 8.68 7.59 16.27 12.2273 3 100.00
    4 70.88 7.92 8.35 16.27 11.1157 4 100.00
    5 61.69 7.09 9.19 16.27 10.1052 5 100.00
    6 51.59 6.17 10.11 16.27 9.1866 6 100.00
    7 40.47 5.16 11.12 16.27 8.3514 7 100.00
    8 28.25 4.05 12.23 16.27 7.5922 8 100.00
    9 14.80 2.82 13.45 16.27 6.9020 9 100.00
    10 - 1.48 14.80 16.27 6.2745 10 -

    100.0000
    10
    10.00
    100 100 6.27

    0 1 2 3

    Cuotas constantes con dos periodos de gracia


    Capital 100
    i 10%
    n 10
    n Capital Interés Amortización Cuota
    0 100 0 0 0
    1 110.00 10.00 - - 0 0.9091
    2 121.00 11.00 - - 0 0.8264
    3 110.42 12.10 10.58 22.68 17.0403652 0.7513
    4 98.78 11.04 11.64 22.68 15.4912411 0.6830
    5 85.98 9.88 12.80 22.68 14.0829465 0.6209
    6 71.89 8.60 14.08 22.68 12.8026786 0.5645
    7 56.40 7.19 15.49 22.68 11.6387987 0.5132
    8 39.36 5.64 17.04 22.68 10.5807261 0.4665
    9 20.62 3.94 18.74 22.68 9.61884193 0.4241
    10 - 2.06 20.62 22.68 8.74440176 0.3855

    100
    Cuotas arbitrarias
    Capital 100
    i 10%
    n 10
    n Capital Interés Amortización Cuota
    0 100 0 0 0
    1 110.00 10.00 - - - 0.9091
    2 101.00 11.00 9.00 20.00 16.53 0.8264
    3 81.10 10.10 19.9 30.00 22.54 0.7513
    4 89.21 8.11 - - - 0.6830
    5 98.13 8.92 - - - 0.6209
    6 107.94 9.81 - - - 0.5645
    7 88.74 10.79 19.21 30.00 15.39 0.5132
    8 97.61 8.87 0 - - 0.4665
    9 87.37 9.76 10.24 20.00 8.48 0.4241
    10 - 8.74 87.37 96.11 37.05 0.3855

    100.00
    Amortizacion constante
    Capital 100
    i 10%
    n 10
    Interés Amortización Cuota n Capital Interés Amortización
    0 100.00
    10 - 10.00 9.0909 1 90.00 10 10.00
    10 - 10.00 8.2645 2 80.00 9 10.00
    10 - 10.00 7.5131 3 70.00 8 10.00
    10 - 10.00 6.8301 4 60.00 7 10.00
    10 - 10.00 6.2092 5 50.00 6 10.00
    10 - 10.00 5.6447 6 40.00 5 10.00
    10 - 10.00 5.1316 7 30.00 4 10.00
    10 - 10.00 4.6651 8 20.00 3 10.00
    10 - 10.00 4.2410 9 10.00 2 10.00
    10 100.00 110.00 42.4098 10 - 1 10.00

    100.0000

    100.0
    Cuota

    20.00 18.182 0.9091


    19.00 15.702 0.8264
    18.00 13.524 0.7513
    17.00 11.611 0.6830
    16.00 9.935 0.6209
    15.00 8.467 0.5645
    14.00 7.184 0.5132
    13.00 6.065 0.4665
    12.00 5.089 0.4241
    11.00 4.241 0.3855

    100.0000

    100.0

    You might also like