Tabla de amortizacin

tasa anual: 0.096

conversin: mensual

total de pagos: 36

m: 12

periodo fin de mes

pago mensual

monto intereses

amortizacin

R = Ci / (1 (1 + i)-n)

saldo insoluto por

inters del periodo

pago mensual menos

monto de intereses

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64

10,000.00
9,759.20
9,516.48
9,271.81
9,025.19
8,776.60
8,526.01
8,273.42
8,018.81
7,762.17
7,503.47
7,242.70
6,979.84
6,714.88
6,447.80
6,178.59
5,907.22
5,633.68
5,357.95
5,080.02
4,799.86
4,517.47
4,232.81
3,945.87
3,656.64
3,365.10
3,071.22
2,775.00
2,476.40
2,175.41

30,099.64
30,340.44
30,583.17
30,827.83
31,074.45
31,323.05
31,573.63
31,826.22
32,080.83
32,337.48
32,596.18
32,856.95
33,119.80
33,384.76
33,651.84
33,921.05
34,192.42
34,465.96
34,741.69
35,019.62
35,299.78
35,582.18
35,866.84
36,153.77
36,443.00
36,734.55
37,028.42
37,324.65
37,623.25
37,924.23

31
32
33
34
35
36

40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
40,099.64
1,443,587.20

1,872.02
1,566.20
1,257.93
947.20
633.98
318.25
56,349.28

38,227.63
38,533.45
38,841.71
39,152.45
39,465.67
39,781.39
184,248.58

a de amortizacin
# periodos de
1
conversin en un ao:

inters del
0.008
periodo:

capital 1,250,000.00

pago
40,099.64
mensual

saldo insoluto

derechos deudor

DAC %

DAD %

saldo anterior menos

amortizacin
1,250,000.00
1,219,900.36
1,189,559.91
1,158,976.75
1,128,148.92
1,097,074.46
1,065,751.42
1,034,177.78
1,002,351.56
970,270.73
937,933.25
905,337.07
872,480.12
839,360.32
805,975.56
772,323.72
738,402.66
704,210.24
669,744.28
635,002.59
599,982.96
564,683.18
529,101.00
493,234.17
457,080.39
420,637.39
383,902.85
346,874.43
309,549.78
271,926.53
234,002.30

suma de pagos
mensuales
0.00
30,099.64
60,440.09
91,023.25
121,851.08
152,925.54
184,248.58
215,822.22
247,648.44
279,729.27
312,066.75
344,662.93
377,519.88
410,639.68
444,024.44
477,676.28
511,597.34
545,789.76
580,255.72
614,997.41
650,017.04
685,316.82
720,899.00
756,765.83
792,919.61
829,362.61
866,097.15
903,125.57
940,450.22
978,073.47
1,015,997.70

% de saldo
insoluto
100.0%
97.6%
95.2%
92.7%
90.3%
87.8%
85.3%
82.7%
80.2%
77.6%
75.0%
72.4%
69.8%
67.1%
64.5%
61.8%
59.1%
56.3%
53.6%
50.8%
48.0%
45.2%
42.3%
39.5%
36.6%
33.7%
30.7%
27.7%
24.8%
21.8%
18.7%

% de derechos
deudor
0.0%
2.4%
4.8%
7.3%
9.7%
12.2%
14.7%
17.3%
19.8%
22.4%
25.0%
27.6%
30.2%
32.9%
35.5%
38.2%
40.9%
43.7%
46.4%
49.2%
52.0%
54.8%
57.7%
60.5%
63.4%
66.3%
69.3%
72.3%
75.2%
78.2%
81.3%

195,774.67
157,241.22
118,399.51
79,247.06
39,781.39
0.00

1,054,225.33
1,092,758.78
1,131,600.49
1,170,752.94
1,210,218.61
1,250,000.00

15.7%
12.6%
9.5%
6.3%
3.2%
0.0%

84.3%
87.4%
90.5%
93.7%
96.8%
100.0%
asf

conversin
anual
mensual
bimestral
trimestral
^^

cuatrimestral
semestral
anual