AMORTIZACION DE DEUDAS

1. Calcule el valor de los pagos y elabore un cuadro de amortizacion para saldar una deuda de
S/. 4051.56 contratada al 42% anual capitalizable bimestralmente si la deuda debe quedar saldada
despues de un ao haciendo los pagos al final de cada bimestre.
DATOS
P=
4051.56
n=
6
i= 42% Cap. Bim
i=
7%

METODO ALEMN
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6

4051.56

SALDO (S)

AMORTIZACION (A)

4051.56
3376.3
2701.04
2025.78
1350.52
675.26
0.00

675.26
675.26
675.26
675.26
675.26
675.26

INTERES (I)
283.61
236.34
189.07
141.80
94.54
47.27

DATOS
P=
n=
i=

4051.56
6
7%

METODO FRANCS
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6

4051.56

DATOS
P=
n=
i=

4051.56
6
7%

SALDO (S)
4051.56
3485.17
2879.13
2230.67
1536.82
794.39
0.00

AMORTIZACION (A)
566.39
606.04
648.46
693.85
742.42
794.39

INTERES (I)
283.61
243.96
201.54
156.15
107.58
55.61

METODO AMERICANO
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6

SALDO (S)

4051.56

AMORTIZACION (A)

4051.56
4051.56
4051.56
4051.56
4051.56
4051.56
0.00

0.00
0.00
0.00
0.00
0.00
0.00
4051.56

INTERES (I)
283.61
283.61
283.61
283.61
283.61
283.61

DATOS
P=
n=
i=

4051.56
6
7%

METODO INFORMAL
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6

SALDO (S)

4051.56

AMORTIZACION (A)

4051.56
3505.56
2827.56
2147.56
1391.56
613.56
0.00

546.00
678.00
680.00
756.00
778.00
613.56
4051.56

INTERES (I)
283.61
245.39
197.93
150.33
97.41
42.95

2. Una deuda de S/. 100000 se debe amortizar en 10 aos con abonos semestrales a una tasa
de 15% capitalizable trimestralmente. Elabore el cuadro de amortizacion
DATOS
P=
n=
i=
i=

100000
20
15% cap. Trim
7.640625% TES

METODO ALEMN
PERIODO (n)

PRESTAMO (P)

SALDO (S)

AMORTIZACION (A)

INTERES (I)

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
PERIODO (n)

100000.00

PRESTAMO (P)
100000.00

PRESTAMO (P)

100000.00
95000.00
90000.00
85000.00
80000.00
75000.00
70000.00
65000.00
60000.00
55000.00
50000.00
45000.00
40000.00
35000.00
30000.00
25000.00
20000.00
15000.00
10000.00
5000.00
0.00
METODO FRANCS
SALDO (S)

AMORTIZACION (A)

100000.00
97726.26
95278.79
92644.32
89808.57
86756.14
83470.48
79933.79
76126.86
72029.07
67618.17
62870.26
57759.58
52258.41
46336.91
39962.98
33102.03
25716.87
17767.44
9210.62
0.00
METODO AMERICANO
SALDO (S)

5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00

2273.74
2447.47
2634.47
2835.76
3052.43
3285.65
3536.70
3806.92
4097.80
4410.89
4747.91
5110.68
5501.17
5921.50
6373.93
6860.94
7385.16
7949.43
8556.82
9210.62

AMORTIZACION (A)

7640.63
7258.59
6876.56
6494.53
6112.50
5730.47
5348.44
4966.41
4584.38
4202.34
3820.31
3438.28
3056.25
2674.22
2292.19
1910.16
1528.13
1146.09
764.06
382.03
INTERES (I)
7640.63
7466.90
7279.90
7078.61
6861.94
6628.71
6377.67
6107.44
5816.57
5503.47
5166.45
4803.68
4413.19
3992.87
3540.43
3053.42
2529.20
1964.93
1357.54
703.75
INTERES (I)

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

100000.00

PRESTAMO (P)
100000.00

100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
100000.00
0.00
METODO INFORMAL
SALDO (S)
100000.00
99317.00
97317.00
94817.00
92261.00
89594.00
86504.00
83394.00
79925.00
76358.00
71798.00
67109.00
62149.00
56469.00
50502.00
44382.00
37170.00
29280.00
20630.00
10650.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100000.00

AMORTIZACION (A)

683.00
2000.00
2500.00
2556.00
2667.00
3090.00
3110.00
3469.00
3567.00
4560.00
4689.00
4960.00
5680.00
5967.00
6120.00
7212.00
7890.00
8650.00
9980.00
10650.00

7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
INTERES (I)
7640.63
7588.44
7435.63
7244.61
7049.32
6845.54
6609.45
6371.82
6106.77
5834.23
5485.82
5127.55
4748.57
4314.58
3858.67
3391.06
2840.02
2237.18
1576.26
813.73

ar una deuda de
debe quedar saldada

CUOTA (R)
958.8692
911.601
864.3328
817.0646
769.7964
722.5282

CUOTA (R)
850.00
850.00
850.00
850.00
850.00
850.00

CUOTA (R)
283.61
283.61
283.61
283.61
283.61
4335.17

CUOTA (R)
829.61
923.39
877.93
906.33
875.41
656.51

trales a una tasa

CUOTA (R)

12640.63
12258.59
11876.56
11494.53
11112.50
10730.47
10348.44
9966.41
9584.38
9202.34
8820.31
8438.28
8056.25
7674.22
7292.19
6910.16
6528.13
6146.09
5764.06
5382.03
CUOTA (R)
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
9914.36
CUOTA (R)

7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
7640.63
107640.63
CUOTA (R)
8323.63
9588.44
9935.63
9800.61
9716.32
9935.54
9719.45
9840.82
9673.77
10394.23
10174.82
10087.55
10428.57
10281.58
9978.67
10603.06
10730.02
10887.18
11556.26
11463.73

3. Un prestamo por S/. 450000 se debe saldar mediante pagos trimestrales durante
cuatro aos. Elabore un cuadro de amortizacion con cada uno de los mtodos estudiados
si la tasa de interes es:
a) 10% TEA
DATOS
P=
n=
i=
i=

450000
16 trim
10% TEA
2.411368908% TET
METODO ALEMN

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)

AMORTIZACION (A)

450000.00
421875.00
393750.00
365625.00
337500.00
309375.00
281250.00
253125.00
225000.00
196875.00
168750.00
140625.00
112500.00
84375.00
56250.00
28125.00
0.00

28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00

INTERES (I)
10851.16
10172.96
9494.77
8816.57
8138.37
7460.17
6781.98
6103.78
5425.58
4747.38
4069.19
3390.99
2712.79
2034.59
1356.40
678.20

METODO FRANCS
PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PRESTAMO (P)
450000

SALDO (S)
450000.00
426618.92
402674.03
378151.75
353038.14
327318.95
300979.57
274005.06
246380.09
218088.98
189115.67
159443.70
129056.24
97936.02
66065.37

AMORTIZACION (A)
23381.08
23944.89
24522.29
25113.61
25719.19
26339.37
26974.51
27624.97
28291.11
28973.31
29671.97
30387.47
31120.22
31870.64

INTERES (I)
10851.16
10287.36
9709.96
9118.63
8513.05
7892.87
7257.73
6607.27
5941.13
5258.93
4560.28
3844.78
3112.02
2361.60

15
16

33426.21
0.00

32639.16
33426.21

1593.08
806.03

METODO AMERICANO
PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)

AMORTIZACION (A)

450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
450000.00

INTERES (I)
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16

METODO INFORMAL
PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)
450000.00
435000.00
417000.00
397000.00
375000.00
351000.00
326000.00
300000.00
272000.00
243000.00
213000.00
178000.00
143000.00
108000.00
73000.00
38000.00
0.00

AMORTIZACION (A)
15000.00
18000.00
20000.00
22000.00
24000.00
25000.00
26000.00
28000.00
29000.00
30000.00
35000.00
35000.00
35000.00
35000.00
35000.00
38000.00
450000.00

INTERES (I)
10851.16
10489.45
10055.41
9573.13
9042.63
8463.90
7861.06
7234.11
6558.92
5859.63
5136.22
4292.24
3448.26
2604.28
1760.30
916.32

estudiados
b) 10% TNA CS
DATOS
P=
n=
i=
i=
i=

450000
16 trim
10% TNA CS
5% TES
2.46950766% TET
METODO ALEMN

CUOTA (R)
38976.16
38297.96
37619.77
36941.57
36263.37
35585.17
34906.98
34228.78
33550.58
32872.38
32194.19
31515.99
30837.79
30159.59
29481.40
28803.20

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)

AMORTIZACION (A)

450000.00
421875.00
393750.00
365625.00
337500.00
309375.00
281250.00
253125.00
225000.00
196875.00
168750.00
140625.00
112500.00
84375.00
56250.00
28125.00
0.00

28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00

METODO FRANCS
CUOTA (R)
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24
34232.24

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PRESTAMO (P)
450000

SALDO (S)
450000.00
426724.98
402875.18
378436.41
353394.13
327733.42
301439.02
274495.27
246886.15
218595.22
189605.64
159900.17
129461.11
98270.36
66309.35

AMORTIZACION (A)
23275.02
23849.80
24438.77
25042.29
25660.71
26294.40
26943.74
27609.12
28290.93
28989.58
29705.48
30439.06
31190.75
31961.01

34232.24
34232.24

15
16

33559.06
0.00

32750.29
33559.06

METODO AMERICANO
CUOTA (R)
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
10851.16
460851.16

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)

AMORTIZACION (A)

450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
450000.00

METODO INFORMAL
CUOTA (R)
25851.16
28489.45
30055.41
31573.13
33042.63
33463.90
33861.06
35234.11
35558.92
35859.63
40136.22
39292.24
38448.26
37604.28
36760.30
38916.32

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)
450000.00
435000.00
417000.00
397000.00
375000.00
351000.00
326000.00
300000.00
272000.00
243000.00
213000.00
178000.00
143000.00
108000.00
73000.00
38000.00
0.00

AMORTIZACION (A)
15000.00
18000.00
20000.00
22000.00
24000.00
25000.00
26000.00
28000.00
29000.00
30000.00
35000.00
35000.00
35000.00
35000.00
35000.00
38000.00
450000.00

c) 10% TNA CT
DATOS
P=
n=
i=
i=

450000
16 trim
10% TNA CT
2.5% TET

METODO ALEMN
INTERES (I)
11112.78
10418.24
9723.69
9029.14
8334.59
7640.04
6945.49
6250.94
5556.39
4861.84
4167.29
3472.75
2778.20
2083.65
1389.10
694.55

CUOTA (R)
39237.78
38543.24
37848.69
37154.14
36459.59
35765.04
35070.49
34375.94
33681.39
32986.84
32292.29
31597.75
30903.20
30208.65
29514.10
28819.55

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)
450000.00
421875.00
393750.00
365625.00
337500.00
309375.00
281250.00
253125.00
225000.00
196875.00
168750.00
140625.00
112500.00
84375.00
56250.00
28125.00
0.00
METODO FRANCS

INTERES (I)
11112.78
10538.01
9949.03
9345.52
8727.10
8093.40
7444.06
6778.68
6096.87
5398.23
4682.33
3948.75
3197.05
2426.79

CUOTA (R)
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80
34387.80

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PRESTAMO (P)
450000

SALDO (S)
450000.00
426780.46
402980.42
378585.39
353580.48
327950.44
301679.66
274752.11
247151.36
218860.60
189862.57
160139.59
129673.54
98445.83
66437.43

1637.51
828.74

34387.80
34387.80

15
16

33628.82
0.00
METODO AMERICANO

INTERES (I)
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78

CUOTA (R)
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
11112.78
461112.78

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
0.00
METODO INFORMAL

INTERES (I)
11112.78
10742.36
10297.85
9803.95
9260.65
8667.97
8050.59
7408.52
6717.06
6000.90
5260.05
4395.72
3531.40
2667.07
1802.74
938.41

CUOTA (R)
26112.78
28742.36
30297.85
31803.95
33260.65
33667.97
34050.59
35408.52
35717.06
36000.90
40260.05
39395.72
38531.40
37667.07
36802.74
38938.41

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

SALDO (S)
450000.00
435000.00
417000.00
397000.00
375000.00
351000.00
326000.00
300000.00
272000.00
243000.00
213000.00
178000.00
143000.00
108000.00
73000.00
38000.00
0.00

d) 10% TNA CB
DATOS
P=
n=
i=
i=
i=

450000
16
10%
1.7%
2.560806988%

DO ALEMN
AMORTIZACION (A)
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00

INTERES (I)
11250.00
10546.88
9843.75
9140.63
8437.50
7734.38
7031.25
6328.13
5625.00
4921.88
4218.75
3515.63
2812.50
2109.38
1406.25
703.13

CUOTA (R)
39375.00
38671.88
37968.75
37265.63
36562.50
35859.38
35156.25
34453.13
33750.00
33046.88
32343.75
31640.63
30937.50
30234.38
29531.25
28828.13

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

DO FRANCS
AMORTIZACION (A)
23219.54
23800.03
24395.03
25004.91
25630.03
26270.78
26927.55
27600.74
28290.76
28998.03
29722.98
30466.06
31227.71
32008.40

INTERES (I)
11250.00
10669.51
10074.51
9464.63
8839.51
8198.76
7541.99
6868.80
6178.78
5471.52
4746.56
4003.49
3241.84
2461.15

CUOTA (R)
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54
34469.54

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

PRESTAMO (P)
450000

32808.61
33628.82

1660.94
840.72

34469.54
34469.54

15
16

DO AMERICANO
AMORTIZACION (A)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
450000.00

INTERES (I)
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00

CUOTA (R)
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
11250.00
461250.00

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

DO INFORMAL
AMORTIZACION (A)
15000.00
18000.00
20000.00
22000.00
24000.00
25000.00
26000.00
28000.00
29000.00
30000.00
35000.00
35000.00
35000.00
35000.00
35000.00
38000.00
450000.00

INTERES (I)
11250.00
10875.00
10425.00
9925.00
9375.00
8775.00
8150.00
7500.00
6800.00
6075.00
5325.00
4450.00
3575.00
2700.00
1825.00
950.00

CUOTA (R)
26250.00
28875.00
30425.00
31925.00
33375.00
33775.00
34150.00
35500.00
35800.00
36075.00
40325.00
39450.00
38575.00
37700.00
36825.00
38950.00

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRESTAMO (P)
450000

e) 10% TNA CM
DATOS
P=
n=
i=
i=
i=

trim
TNA CB
TEB
TET
METODO ALEMN
SALDO (S)

AMORTIZACION (A)

450000.00
421875.00
393750.00
365625.00
337500.00
309375.00
281250.00
253125.00
225000.00
196875.00
168750.00
140625.00
112500.00
84375.00
56250.00
28125.00
0.00

28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00

INTERES (I)
11523.63
10803.40
10083.18
9362.95
8642.72
7922.50
7202.27
6482.04
5761.82
5041.59
4321.36
3601.13
2880.91
2160.68
1440.45
720.23

CUOTA (R)
39648.63
38928.40
38208.18
37487.95
36767.72
36047.50
35327.27
34607.04
33886.82
33166.59
32446.36
31726.13
31005.91
30285.68
29565.45
28845.23

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

METODO FRANCS
SALDO (S)
450000.00
426890.77
403189.75
378881.79
353951.36
328382.50
302158.88
275263.72
247679.82
219389.56
190374.84
160617.10
130097.33
98796.01
66693.11

AMORTIZACION (A)
23109.23
23701.02
24307.96
24930.43
25568.86
26223.62
26895.16
27583.89
28290.26
29014.72
29757.73
30519.77
31301.32
32102.89

INTERES (I)
11523.63
10931.85
10324.91
9702.43
9064.01
8409.24
7737.71
7048.97
6342.60
5618.14
4875.13
4113.09
3331.54
2529.98

CUOTA (R)
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87
34632.87

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

33768.13
0.00

32924.98
33768.13

1707.88
864.74

34632.87
34632.87

15
16

METODO AMERICANO
SALDO (S)

AMORTIZACION (A)

450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
450000.00

INTERES (I)
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63

CUOTA (R)
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
11523.63
461523.63

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

METODO INFORMAL
SALDO (S)
450000.00
435000.00
417000.00
397000.00
375000.00
351000.00
326000.00
300000.00
272000.00
243000.00
213000.00
178000.00
143000.00
108000.00
73000.00
38000.00
0.00

AMORTIZACION (A)
15000.00
18000.00
20000.00
22000.00
24000.00
25000.00
26000.00
28000.00
29000.00
30000.00
35000.00
35000.00
35000.00
35000.00
35000.00
38000.00

INTERES (I)
11523.63
11139.51
10678.57
10166.40
9603.03
8988.43
8348.23
7682.42
6965.40
6222.76
5454.52
4558.24
3661.95
2765.67
1869.39
973.11

CUOTA (R)
26523.63
29139.51
30678.57
32166.40
33603.03
33988.43
34348.23
35682.42
35965.40
36222.76
40454.52
39558.24
38661.95
37765.67
36869.39
38973.11

PERIODO (n)
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

450000
16 trim
10% TNA CM
0.83% TEM
2.520891204% TET
METODO ALEMN
PRESTAMO (P)
450000

SALDO (S)

AMORTIZACION (A)

450000.00
421875.00
393750.00
365625.00
337500.00
309375.00
281250.00
253125.00
225000.00
196875.00
168750.00
140625.00
112500.00
84375.00
56250.00
28125.00
0.00

28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00
28125.00

INTERES (I)
11344.01
10635.01
9926.01
9217.01
8508.01
7799.01
7090.01
6381.01
5672.01
4963.00
4254.00
3545.00
2836.00
2127.00
1418.00
709.00

CUOTA (R)
39469.01
38760.01
38051.01
37342.01
36633.01
35924.01
35215.01
34506.01
33797.01
33088.00
32379.00
31670.00
30961.00
30252.00
29543.00
28834.00

METODO FRANCS
PRESTAMO (P)
450000

SALDO (S)
450000.00
426818.40
403052.42
378687.32
353708.01
328098.99
301844.40
274927.96
247332.99
219042.38
190038.59
160303.64
129819.11
98566.10
66525.24

AMORTIZACION (A)
23181.60
23765.98
24365.10
24979.31
25609.02
26254.59
26916.44
27594.97
28290.61
29003.79
29734.94
30484.53
31253.01
32040.87

INTERES (I)
11344.01
10759.63
10160.51
9546.30
8916.59
8271.02
7609.17
6930.63
6235.00
5521.82
4790.67
4041.08
3272.60
2484.74

CUOTA (R)
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61
34525.61

33676.66
0.00

32848.58
33676.66

1677.03
848.95

34525.61
34525.61

METODO AMERICANO
PRESTAMO (P)
450000

SALDO (S)

AMORTIZACION (A)

450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
450000.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
450000.00

INTERES (I)
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01

CUOTA (R)
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
11344.01
461344.01

METODO INFORMAL
PRESTAMO (P)
450000

SALDO (S)
450000.00
435000.00
417000.00
397000.00
375000.00
351000.00
326000.00
300000.00
272000.00
243000.00
213000.00
178000.00
143000.00
108000.00
73000.00
38000.00
0.00

AMORTIZACION (A)
15000.00
18000.00
20000.00
22000.00
24000.00
25000.00
26000.00
28000.00
29000.00
30000.00
35000.00
35000.00
35000.00
35000.00
35000.00
38000.00

INTERES (I)
11344.01
10965.88
10512.12
10007.94
9453.34
8848.33
8218.11
7562.67
6856.82
6125.77
5369.50
4487.19
3604.87
2722.56
1840.25
957.94

CUOTA (R)
26344.01
28965.88
30512.12
32007.94
33453.34
33848.33
34218.11
35562.67
35856.82
36125.77
40369.50
39487.19
38604.87
37722.56
36840.25
38957.94

4. Una deuda de S/. 500000 se debe amortizar en 5 aos con pagos anuales iguales y vencidos
a una tasa de interes anual de 8% sobre saldos absolutos
DATOS
P=
n=
i=

500000
5 aos
8% TEA

Como los pagos son iguales, utilizamos el mtodo francs

METODO FRANCS
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5

SALDO (S)

500000

AMORTIZACION (A)

500000.00
414771.77
322725.29
223315.08
115952.06
0.00

85228.23
92046.49
99410.20
107363.02
115952.06

INTERES (I)
40000.00
33181.74
25818.02
17865.21
9276.16

5. Elabore un cuadro de amortizacion para un prestamo de S/. 400000 a traves de pagos

trimestrales durante dos aos a una tasa de inters del 15%
DATOS
P=
n=
i=
i=

400000
8 trim
15% TEA
3.555807634% TET
METODO ALEMN

PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6
7
8

400000

SALDO (S)
400000.00
350000.00
300000.00
250000.00
200000.00
150000.00
100000.00
50000.00
0.00

AMORTIZACION (A)
50000.00
50000.00
50000.00
50000.00
50000.00
50000.00
50000.00
50000.00

INTERES (I)
14223.23
12445.33
10667.42
8889.52
7111.62
5333.71
3555.81
1777.90

METODO FRANCS
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6
7
8

400000

SALDO (S)

AMORTIZACION (A)

400000
355896.96
310225.70
262930.46
213953.49
163234.99
110713.04
56323.52
0.00

44103.04
45671.26
47295.24
48976.97
50718.50
52521.95
54389.53
56323.52

INTERES (I)
14223.23
12655.01
11031.03
9349.30
7607.77
5804.32
3936.74
2002.76

METODO AMERICANO
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6
7
8

400000

SALDO (S)

AMORTIZACION (A)

400000.00
400000.00
400000.00
400000.00
400000.00
400000.00
400000.00
400000.00
0.00

0.00
0.00
0.00
0.00
0.00
0.00
0.00
400000

INTERES (I)
14223.23
14223.23
14223.23
14223.23
14223.23
14223.23
14223.23
14223.23

METODO INFORMAL
PERIODO (n)

PRESTAMO (P)
0
1
2
3
4
5
6
7
8

400000

SALDO (S)
400000.00
380000.00
348000.00
308000.00
257000.00
199000.00
137000.00
72000.00
0.00

AMORTIZACION (A)
20000.00
32000.00
40000.00
51000.00
58000.00
62000.00
65000.00
72000.00
400000.00

INTERES (I)
14223.23
13512.07
12374.21
10951.89
9138.43
7076.06
4871.46
2560.18

guales y vencidos

CUOTA (R)
125228.23
125228.23
125228.23
125228.23
125228.23

s de pagos

CUOTA (R)
64223.23
62445.33
60667.42
58889.52
57111.62
55333.71
53555.81
51777.90

CUOTA (R)
58326.27
58326.27
58326.27
58326.27
58326.27
58326.27
58326.27
58326.27

CUOTA (R)
14223.23
14223.23
14223.23
14223.23
14223.23
14223.23
14223.23
414223.23

CUOTA (R)
34223.23
45512.07
52374.21
61951.89
67138.43
69076.06
69871.46
74560.18