550000 AO

2 8 MS
11 2.64 I
AM1

CO 4780000 CO
I1 6 MS
N1 3 I1
AM1

C0 3293735.8247 MS
I2 9 I2
N2 2 AM2

C0 2338158.6950 I2
I2 11 AM2
N2 4
 7.1275271 Ss
77165.6133 0 550000
14520 1 487354.38672 14520 77165.6133
62645.6133 2 423054.92925 12866.1558 77165.6133
3 357057.96611 11168.6501 77165.6133
4 289318.68313 9426.33031 77165.6133
5 219791.08309 7638.01323 77165.6133
6 148427.95441 5802.48459 77165.6133
7 75180.839125 3918.498 77165.6133
8 0 1984.77415 77165.6133

6.3424653
753650.162 0 4780000
286800 1 4313149.8381 286800 753650.162
466850.162 2 3818288.6665 ### 753650.162
3 3293735.8247 ### 753650.162
4 2836521.8870 ### 753650.162
296436.224 5 2338158.6950 ### 753650.162
457213.938 6 1841705.9896 ### 753650.162
7 1290643.4865 ### 753650.162
8 678964.1082 ### 753650.162
257197.456 9 -0.0018 74686.0519 753650.162
496452.705
AMS CAS

62645.613278 62645.61
64299.457469 126945.07
65996.963146 192942.03
67739.282973 260681.32
69527.600043 330208.92
71363.128684 401572.05
73247.115282 474819.16
75180.839125 550000.00
550000

466850.1619 0.0000
494861.1716
524552.8419
457213.9376
498363.1920
496452.7054
551062.5030
611679.3784
678964.1100
PRESTAMOS CON AMORTIZACION CONSTANTE

Co 3,000,000 n (Co) Ss saldo vivoIs AMs

n 5 0 3,000,000.000
i % 10 0.1 1 2,508,607.560 300,000.000 491,392.440
2 1,717,215.121 0.001 791,392.439
Ms 3 1,122,630.269 196,808.588 594,584.852
4 468,586.931 137,350.102 654,043.338
K 5 -250,860.740 71,946.769 719,447.671
6
7
8
9
10
3,250,860.74

PRESTAMOS CON AMORTIZACION CONSTANTE

Co 2,550,000 n (Co) Ss Is AMs

n 4 0 2,550,000.000 612,000.000
i % 24 0.24 1 2,473,350.967 612,000.000 76,649.033
2 2,378,306.166 593,604.232 95,044.801
Ms 3 2,260,450.613 570,793.480 117,855.553
4 2,114,309.727 542,508.147 146,140.886
K 5 1,933,095.029 507,434.334 181,214.699
6
7
8
9
10
11
12
13
616,904.97

PRESTAMOS CON AMORTIZACION DE CAPITAL CONSTANTE

Cas Ms

491,392.440 791,392.440
1,282,784.879 791,392.440
1,877,369.731 791,393.440
2,531,413.069 791,393.440
3,250,860.740 791,394.440
791,394.440
791,395.440
791,395.440
791,396.440
791,396.440

Cas Ms

76,649.033 688,649.033
171,693.834 688,649.033
289,549.387 688,649.033
435,690.273 688,649.033
616,904.971 688,649.033
688,649.033
688,649.033
688,649.033
688,649.033
688,649.033
688,649.033
688,649.033
688,649.033
PRESTAMO CON PERIODO DE CARENCIA (CARENCIA EN LA AMORTIZACION CONSTANTE)

Co 820,000 n (Co) Ss Is AMs Cas

n = 10 años 10 0 820,000.000
i1 % 9 0.09 1 893,800.000
n1 = 6 años 6 2 974,242.000
i2 = % 13 0.13 3 1,061,923.780
n2 = 4 años 4 4 937,551.874 95,573.140 124,371.906 124,371.906
5 801,986.496 84,379.669 135,565.378 259,937.284
Ms 219945.047 6 654,220.234 72,178.785 147,766.262 407,703.546
7 519,323.818 85,048.630 134,896.416 542,599.962
8 366,890.868 67,512.096 152,432.950 695,032.912
9 194,641.634 47,695.813 172,249.234 867,282.146
10 0.000 25,303.412 194,641.634 1,061,923.780
11
1,061,923.78
Ms

219,945.047
219,945.047
219,945.047
219,945.047
219,945.047
219,945.047
219,945.047
Se tiene un prestamo de 825,000.00 Bs a 2 años con pagos cuatrimestrales y con un tipo de interes del 11% y pago de interes
Calcular el cuadro de amortizacion considerando la cuota de amortizacion constante.

Co 1,430,000 n (Co) Ss saldo vivo Is AMs

n 4 0 1,430,000.000
i % 11 0.06770783 1 1,289,466.199 96,822.190 140,533.801
0.11 2 1,139,417.160 87,306.952 150,049.039
Ms 237355.991 3 979,208.627 77,147.458 160,208.533
4 808,152.722 66,300.087 171,055.905
K 5 625,514.994 54,718.263 182,637.728
5.32157976 6 430,511.263 42,352.260 195,003.731
155029.152 7 222,304.253 29,148.981 208,207.010
8- 0.000 15,051.738 222,304.254

1,430,000.00

n Ss 6% 13%
0 742944923.66
1
2
3
4
5
6
7
eres del 11% y pago de interes anticipado

Cas Ms

140,533.801 237,355.991
290,582.840 237,355.991
450,791.373 237,355.991
621,847.278 237,355.991
804,485.006 237,355.991
999,488.737 237,355.991
1,207,695.747 237,355.991
1,430,000.000 237,355.991

AMs CAs Ms
PRESTAMOS CON INTERES ANTICIPADO ( amortizacion constante)

Co 2,550,000 n Ss Is AMs
n 4 0 2,550,000.000 612,000.000
i % 24 0.24 1 2,449,146.009 587,795.042 100,853.991
2 2,316,443.390 555,946.414 132,702.619
Ms 688649.033 3 2,141,834.680 514,040.323 174,608.710
4 1,912,086.377 458,900.731 229,748.302
K 5 1,609,785.980 386,348.635 302,300.398
6 1,212,022.298 290,885.352 397,763.681
7 688,649.033 165,275.768 523,373.265
8 0.000 - 688,649.033
9
10
11

PRESTAMO DE AMORTIZACION CAPITAL CONSTANTE (AMs)

Co 1,430,000 n (Co) Ss saldo vivo Is AMs

n 10 0 1,430,000.0000
i % 11 0.06770783 1 1,251,250.0000 96,822.1900 178,750.0000
0.11 2 1,072,500.0000 84,719.4163 178,750.0000
AMs 178750 3 893,750.0000 72,616.6425 178,750.0000
4 715,000.0000 60,513.8688 178,750.0000
K 5 536,250.0000 48,411.0950 178,750.0000
6 357,500.0000 36,308.3213 178,750.0000
7 178,750.0000 24,205.5475 178,750.0000
8 - 12,102.7738 178,750.0000

1,430,000.00
CAs Ms
612,000.000
100,853.991 688,649.033
233,556.610 688,649.033
408,165.320 688,649.033
637,913.623 688,649.033
940,214.020 688,649.033
1,337,977.702 688,649.033
1,861,350.967 688,649.033
2,550,000.000 688,649.033
688,649.033
688,649.033
688,649.033

Cas Ms

178,750.0000 275,572.1900
357,500.0000 263,469.4163
536,250.0000 251,366.6425
715,000.0000 239,263.8688
893,750.0000 227,161.0950
1,072,500.0000 215,058.3213
1,251,250.0000 202,955.5475
1,430,000.0000 190,852.7738