1 Sistema de amortización cuota fija

CF = VP * ip /{1- (1+ip)^ -n}

PRESTAMO 30,000,000 TASA E.A 22.42%

ip mensual 0.0084642698
ip mensual 0.017
CF= $ 1,532,746 n 24

# cuota Vr cuota Vr intereses Amortización Saldo a Capital

1 $ 1,532,746 $ 510,006 $ 1,022,740 $ 28,977,260
2 $ 1,532,746 $ 492,619 $ 1,040,127 $ 27,937,132
3 $ 1,532,746 $ 474,936 $ 1,057,810 $ 26,879,323
4 $ 1,532,746 $ 456,953 $ 1,075,792 $ 25,803,530
5 $ 1,532,746 $ 438,665 $ 1,094,081 $ 24,709,449
6 $ 1,532,746 $ 420,065 $ 1,112,681 $ 23,596,768
7 $ 1,532,746 $ 401,149 $ 1,131,597 $ 22,465,172
8 $ 1,532,746 $ 381,912 $ 1,150,834 $ 21,314,338
9 $ 1,532,746 $ 362,348 $ 1,170,398 $ 20,143,940
10 $ 1,532,746 $ 342,451 $ 1,190,295 $ 18,953,645
11 $ 1,532,746 $ 322,215 $ 1,210,530 $ 17,743,114
12 $ 1,532,746 $ 301,636 $ 1,231,110 $ 16,512,004
13 $ 1,532,746 $ 280,707 $ 1,252,039 $ 15,259,966
14 $ 1,532,746 $ 259,422 $ 1,273,324 $ 13,986,642
15 $ 1,532,746 $ 237,775 $ 1,294,970 $ 12,691,671
16 $ 1,532,746 $ 215,761 $ 1,316,985 $ 11,374,686
17 $ 1,532,746 $ 193,372 $ 1,339,374 $ 10,035,312
18 $ 1,532,746 $ 170,602 $ 1,362,144 $ 8,673,168
19 $ 1,532,746 $ 147,445 $ 1,385,300 $ 7,287,868
20 $ 1,532,746 $ 123,895 $ 1,408,851 $ 5,879,017
21 $ 1,532,746 $ 99,944 $ 1,432,802 $ 4,446,215
22 $ 1,532,746 $ 75,586 $ 1,457,159 $ 2,989,056
23 $ 1,532,746 $ 50,814 $ 1,481,931 $ 1,507,125
24 $ 1,532,746 $ 25,621 $ 1,507,125 -$ 0
 1 Sistema de amortización cuota fija
CF = VP * ip /{1- (1+ip)^ -n}

PRESTAMO 30,000,000 TASA E.A 22.42%

ip mensual 0.0084642698
ip mensual 0.017
CF= $ 1,532,746 n 24

Abono
# cuota Vr cuota Vr intereses Amortización
Extraordinario
1 $ 1,532,746 $ 510,006 $ 1,022,740
2 $ 1,532,746 $ 492,619 $ 1,040,127
3 $ 1,532,746 $ 474,936 $ 1,057,810
4 $ 1,532,746 $ 456,953 $ 1,075,792
5 $ 1,532,746 $ 438,665 $ 1,094,081
6 $ 1,532,746 $ 420,065 $ 1,112,681
7 $ 1,532,746 $ 401,149 $ 1,131,597
8 $ 1,532,746 $ 381,912 $ 1,150,834
9 $ 1,532,746 $ 362,348 $ 1,170,398
10 $ 1,532,746 $ 342,451 $ 1,190,295
11 $ 1,532,746 $ 10,000,000 $ 322,215 $ 11,210,530
12 $ 1,532,746 $ 131,634 $ 1,401,112
13 $ 1,532,746 $ 107,815 $ 1,424,931
14 $ 1,532,746 $ 83,591 $ 1,449,155
15 $ 1,532,746 $ 58,955 $ 1,473,791
16 $ 1,532,746 $ 33,901 $ 1,498,845
17 $ 503,701 $ 8,420 $ 495,281
18 $ - $ - $ -
19 $ - $ - $ -
20 $ - $ - $ -
21 $ - $ - $ -
22 $ - $ - $ -
23 $ - $ - $ -
24 $ - $ - $ -

REDUCCION DE PLAZO
 $ 395,608

Saldo a Capital # cuota Vr cuota Abono Extraordinario

$ 28,977,260 1 $ 1,532,746
$ 27,937,132 2 $ 1,532,746
$ 26,879,323 3 $ 1,532,746
$ 25,803,530 4 $ 1,532,746
$ 24,709,449 5 $ 1,532,746
$ 23,596,768 6 $ 1,532,746
$ 22,465,172 7 $ 1,532,746
$ 21,314,338 8 $ 1,532,746
$ 20,143,940 9 $ 1,532,746
$ 18,953,645 10 $ 1,532,746
$ 7,743,114 11 $ 1,532,746 $ 10,000,000
$ 6,342,002 12 $ 1,532,746
$ 4,917,072 13 $ 1,532,746
$ 3,467,917 14 $ 1,532,746
$ 1,994,126 15 $ 1,532,746
$ 495,281 16 $ 1,532,746
$ - 17 $ 503,701
$ - 18 $ -
$ - 19 $ -
$ - 20 $ -
$ - 21 $ -
$ - 22 $ -
$ - Una compañía vende dos referencias 23 $ -
$ - 24 $ -
Vr intereses Amortización Saldo a Capital
$ 510,006 $ 1,022,740 $ 28,977,260
$ 492,619 $ 1,040,127 $ 27,937,132
$ 474,936 $ 1,057,810 $ 26,879,323
$ 456,953 $ 1,075,792 $ 25,803,530
$ 438,665 $ 1,094,081 $ 24,709,449
$ 420,065 $ 1,112,681 $ 23,596,768
$ 401,149 $ 1,131,597 $ 22,465,172
$ 381,912 $ 1,150,834 $ 21,314,338
$ 362,348 $ 1,170,398 $ 20,143,940
$ 342,451 $ 1,190,295 $ 18,953,645
$ 322,215 $ 11,210,530 $ 7,743,114
$ 131,634 $ 1,401,112 $ 6,342,002
$ 107,815 $ 1,424,931 $ 4,917,072
$ 83,591 $ 1,449,155 $ 3,467,917
$ 58,955 $ 1,473,791 $ 1,994,126
$ 33,901 $ 1,498,845 $ 495,281
$ 8,420 $ 495,281 $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -