PRESTAMOS EN DIFERENTES SISTEMAS DE AMORTIZACION

Capital
10000
Tasa
7%
Nperiodos
8
1,674.68
0

Periodo
1
2
3
4
5
6
7
8

1,674.68
2

Saldo
10,000.00
9,025.32
7,982.42
6,866.51
5,672.49
4,394.88
3,027.85
1,565.12

NO OLVIDEN VISITARME EN FACEBOOK

GRACIAS..

1,674.68
3

Interes
700.00
631.77
558.77
480.66
397.07
307.64
211.95
109.56

Amortizacin
974.68
1,042.91
1,115.91
1,194.02
1,277.60
1,367.04
1,462.73
1,565.12
10,000.00

1,674.68

1,674.68
5

Pago
1,674.68
1,674.68
1,674.68
1,674.68
1,674.68
1,674.68
1,674.68
1,674.68

1,674.68
6

1,674.68
7

1,674.68
8

Capital
Tasa
Nperiodos

10000
7%
8
1,950.00
0

Periodo
1
2
3
4
5
6
7
8

1,862.50
2

Saldo
10,000.00
8,750.00
7,500.00
6,250.00
5,000.00
3,750.00
2,500.00
1,250.00

1,775.00
3

Interes
700.00
612.50
525.00
437.50
350.00
262.50
175.00
87.50

Amortizacin
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
1,250.00
10,000.00

1,687.50

1,600.00
5

Pago
1,950.00
1,862.50
1,775.00
1,687.50
1,600.00
1,512.50
1,425.00
1,337.50

1,512.50
6

1,425.00
7

1,337.50
8

Capital
Tasa
Nperiodos

10000
7%
8
700.00
0

Periodo
1
2
3
4
5
6
7
8

700.00

700.00

Saldo
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00
10,000.00

Interes
700.00
700.00
700.00
700.00
700.00
700.00
700.00
700.00

Amortizacin
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10,000.00
10,000.00

700.00

700.00
5

Pago
700.00
700.00
700.00
700.00
700.00
700.00
700.00
10,700.00

700.00
6

700.00
7

10,700.00
8

Capital
Tasa
Nperiodos
Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

18500
2%
14
Pago
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54
1,411.54

Interes

341.77
320.37
298.55
276.29
253.59
230.43
206.80
182.71
158.13
133.06
107.50
81.41
54.81
27.68

Amortizacin
1,411.54
1,069.77
1,091.17
1,112.99
1,135.25
1,157.95
1,181.11
1,204.74
1,228.83
1,253.41
1,278.48
1,304.05
1,330.13
1,356.73
1,383.86

Saldo
Pendiente
Amortizacin
18,500.00
17,088.46
18,500.00
16,018.69
17,430.23
14,927.52
16,339.06
13,814.53
15,226.07
12,679.28
14,090.82
11,521.33
12,932.87
10,340.21
11,751.75
9,135.48
10,547.02
7,906.65
9,318.19
6,653.24
8,064.78
5,374.76
6,786.30
4,070.72
5,482.26
2,740.59
4,152.13
1,383.86
2,795.40
0.00
1,411.54

18%
Amortizacin
Acumulado
1,411.54
2,481.31
3,572.48
4,685.47
5,820.72
6,978.67
8,159.79
9,364.52
10,593.35
11,846.76
13,125.24
14,429.28
15,759.41
17,116.14
18,500.00

IGV
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08
254.08

Total
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62
1,665.62

Capital
TEA
Duracin en aos
N de pagos por ao
TET

60000
22%
5
4
5.10%

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

Prstamos por el sistema francs

Amortizacin
1,796.05
1,887.59
1,983.80
2,084.91
2,191.18
2,302.86
2,420.24
2,543.59
2,673.24
2,809.49
2,952.69
3,103.19
3,261.35
3,427.58
3,602.28
3,785.89
3,978.85
4,181.65
4,394.78
4,618.78

Interes
3,058.15
2,966.60
2,870.40
2,769.28
2,663.02
2,551.33
2,433.96
2,310.60
2,180.96
2,044.70
1,901.51
1,751.01
1,592.84
1,426.62
1,251.92
1,068.31
875.35
672.55
459.41
235.42

mos por el sistema francs

Saldo Deudor
58,203.95
56,316.36
54,332.56
52,247.64
50,056.46
47,753.60
45,333.36
42,789.77
40,116.53
37,307.04
34,354.35
31,251.16
27,989.81
24,562.23
20,959.95
17,174.06
13,195.21
9,013.56
4,618.78
0.00

Amortizacin
Acumulada
1,796.05
3,683.64
5,667.44
7,752.36
9,943.54
12,246.40
14,666.64
17,210.23
19,883.47
22,692.96
25,645.65
28,748.84
32,010.19
35,437.77
39,040.05
42,825.94
46,804.79
50,986.44
55,381.22
60,000.00

Pago
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20
4,854.20

Capital
TEA
Duracin en aos
N de pagos por ao
TET

60000
22%
5
4
5.10%

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

Prstamos por el sistema Alemn

Amortizacin
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00
3,000.00

Interes
3,058.15
2,905.24
2,752.33
2,599.43
2,446.52
2,293.61
2,140.70
1,987.80
1,834.89
1,681.98
1,529.07
1,376.17
1,223.26
1,070.35
917.44
764.54
611.63
458.72
305.81
152.91

mos por el sistema Alemn

Saldo Deudor
60,000.00
57,000.00
54,000.00
51,000.00
48,000.00
45,000.00
42,000.00
39,000.00
36,000.00
33,000.00
30,000.00
27,000.00
24,000.00
21,000.00
18,000.00
15,000.00
12,000.00
9,000.00
6,000.00
3,000.00
0.00

Amortizacin
Acumulada
3,000.00
6,000.00
9,000.00
12,000.00
15,000.00
18,000.00
21,000.00
24,000.00
27,000.00
30,000.00
33,000.00
36,000.00
39,000.00
42,000.00
45,000.00
48,000.00
51,000.00
54,000.00
57,000.00
60,000.00

Pago
6,058.15
5,905.24
5,752.33
5,599.43
5,446.52
5,293.61
5,140.70
4,987.80
4,834.89
4,681.98
4,529.07
4,376.17
4,223.26
4,070.35
3,917.44
3,764.54
3,611.63
3,458.72
3,305.81
3,152.91

Capital
TEA
Duracin en aos
N de pagos por ao
TET

60000
22%
5
4
5.10%

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

Prstamos por el sistema Americano

Amortizacin
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
3,000.00

Interes
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15

mos por el sistema Americano

Saldo Deudor
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
57,000.00

Amortizacin
Acumulada
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
3,000.00

Pago
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
3,058.15
6,058.15

Simulador de cronograma
TEA
TEM
Nperiodos
Capital

Periodo
0
1
2
3
4
5
6
7
8
9
10

20.0000%
1.531%
10 Meses
100,000.00

Pago
10,861.20
10,861.20
10,861.20
10,861.20
10,861.20
10,861.20
10,861.20
10,861.20
10,861.20
10,861.20

Interes
1,530.95
1,388.11
1,243.08
1,095.83
946.33
794.54
640.42
483.94
325.07
163.77

Amortizacin
9,330.26
9,473.10
9,618.13
9,765.37
9,914.88
10,066.67
10,220.78
10,377.26
10,536.13
10,697.43

Deuda
Pendiente
100,000.00
90,669.74
81,196.65
71,578.52
61,813.15
51,898.27
41,831.60
31,610.82
21,233.56
10,697.43
0.00

Capital
TEA
Plazo
Nper
TEM

100000
32.00%
120 Das
4 Meses
2.34%

Periodo
0
1
2
3
4

Saldo
100,000.00
75,860.79
51,156.59
25,874.17
0.00

Interes
2,340.57
1,775.57
1,197.36
605.60

Amortizacin
24,139.21
24,704.20
25,282.42
25,874.17

Pago
26,479.78
26,479.78
26,479.78
26,479.78

Capital
TEA
Plazo
Nper
TEM

100000
32.00%
120 Das
4 Meses
2.34%

Periodo
0
1
2
3
4
TIR

Saldo
88,000.00
66,757.50
45,017.80
22,769.27
0.00

Retencin
Comisin

10.00%
2.00%

Interes

Amortizacin

2,059.70
1,562.51
1,053.67
532.93

21,242.50
21,739.70
22,248.53
22,769.27

3.78% Costo mensual del crdito.

10000
2000

Pago
26,479.78
26,479.78
26,479.78
26,479.78

Devolucin
Retencin

10,000.00

Flujo
-88,000.00
26,479.78
26,479.78
26,479.78
16,479.78

Precio de venta
Cuota inicial
n. de cuotas mensuales
Tasa mensual
Descuento de pago al contado

Cuota Inicial
Saldo
1
2
3
4
5
6
7
8
9
10
11
12

TIR (mensual)
TEA

TV Full HD A

TV Full HD B

2000

2500

15%

25%

12

12

4.00%

3.80%

15%

18%

Electro A

Electro B

300

625

-1,700.00

-1,875.00

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

181.14

197.47

Electro A
4.0000%
60.1032%

Electro B
3.8000%
56.4474%

TV Full HD C
2900
30%
12
4.10%
10%

Electro C
870
-2,030.00
217.56
217.56
217.56
217.56
217.56
217.56
217.56
217.56
217.56
217.56
217.56
217.56

Electro C
4.1000%
61.9604%

Capital
Duracin en aos
N de pagos por ao

Periodo
1 ao
2 ao
3 ao
4 ao
5 ao

60000
5
4

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

Amortizacin
2,542.56
2,585.93
2,630.04
2,674.91
2,671.11
2,723.00
2,775.90
2,829.83
2,865.76
2,924.81
2,985.07
3,046.58
3,099.04
3,165.81
3,234.01
3,303.68
3,367.78
3,445.07
3,524.12
3,604.99

Interes
1,023.51
980.14
936.03
891.16
962.91
911.02
858.12
804.19
794.64
735.60
675.33
613.83
576.18
509.41
441.21
371.54
319.94
242.66
163.60
82.73

Tasa Anual
7.00%
8.00%
8.50%
8.90%
9.50%
Saldo Deudor
60,000.00
57,457.44
54,871.51
52,241.47
49,566.56
46,895.44
44,172.44
41,396.54
38,566.71
35,700.95
32,776.14
29,791.07
26,744.50
23,645.46
20,479.65
17,245.64
13,941.96
10,574.18
7,129.12
3,604.99
0.00

Amortizacin
Acumulada
2,542.56
5,128.49
7,758.53
10,433.44
13,104.56
15,827.56
18,603.46
21,433.29
24,299.05
27,223.86
30,208.93
33,255.50
36,354.54
39,520.35
42,754.36
46,058.04
49,425.82
52,870.88
56,395.01
60,000.00

Pago
3,566.07
3,566.07
3,566.07
3,566.07
3,634.02
3,634.02
3,634.02
3,634.02
3,660.40
3,660.40
3,660.40
3,660.40
3,675.22
3,675.22
3,675.22
3,675.22
3,687.72
3,687.72
3,687.72
3,687.72

TET
1.71%
1.71%
1.71%
1.71%
1.94%
1.94%
1.94%
1.94%
2.06%
2.06%
2.06%
2.06%
2.15%
2.15%
2.15%
2.15%
2.29%
2.29%
2.29%
2.29%

Capital
Duracin en aos
N de pagos por ao

Periodo
1 ao
2 ao
3 ao
4 ao
5 ao

60000
5
4

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

Amortizacin
2,542.56
2,585.93
2,630.04
2,674.91
2,563.34
2,613.13
2,663.90
2,715.65
2,750.13
2,806.79
2,500.32
2,551.84
2,595.79
2,651.71
2,708.84
2,767.20
646.87
661.72
676.90
692.44

Interes
1,023.51
980.14
936.03
891.16
924.05
874.26
823.49
771.74
762.58
705.92
565.67
514.15
482.61
426.69
369.56
311.20
61.45
46.61
31.42
15.89

Tasa Anual
7.00%
8.00%
8.50%
8.90%
9.50%
Amortizacin
Parcial

2,000.00

4,000.00

9,000.00

Periodo
ao 4
ao 10
ao 16

Saldo Deudor
60,000.00
57,457.44
54,871.51
52,241.47
47,566.56
45,003.22
42,390.09
39,726.20
37,010.55
34,260.42
27,453.63
24,953.31
22,401.47
19,805.68
17,153.97
14,445.13
2,677.93
2,031.06
1,369.34
692.44
0.00

Amortizacin
Acumulada
2,542.56
5,128.49
7,758.53
12,433.44
14,996.78
17,609.91
20,273.80
22,989.45
25,739.58
32,546.37
35,046.69
37,598.53
40,194.32
42,846.03
45,554.87
57,322.07
57,968.94
58,630.66
59,307.56
60,000.00

Tasa Anual
2000
4000
9000

Pago
3,566.07
3,566.07
3,566.07
3,566.07
3,487.39
3,487.39
3,487.39
3,487.39
3,512.71
3,512.71
3,065.99
3,065.99
3,078.40
3,078.40
3,078.40
3,078.40
708.33
708.33
708.33
708.33

TET
1.71%
1.71%
1.71%
1.71%
1.94%
1.94%
1.94%
1.94%
2.06%
2.06%
2.06%
2.06%
2.15%
2.15%
2.15%
2.15%
2.29%
2.29%
2.29%
2.29%

Capital
TEA
Nperiodos

50000
14%
8 Semestres

Periodo
0
1
2
3
4
5
6
7
8

Saldo
50,000.00
45,086.23
39,839.76
34,034.94
27,919.18
21,430.12
14,624.33
7,486.37
0.00

TEA ao 2
TEA ao 3-4

Interes
3,385.39
3,052.69
2,134.03
1,823.09
1,362.70
1,045.98
713.80
365.40

Amortizacin
4,913.77
5,246.47
5,804.82
6,115.76
6,489.06
6,805.79
7,137.97
7,486.37
50,000.00

11%
10%

Pago
8,299.16
8,299.16
7,938.85
7,938.85
7,851.77
7,851.77
7,851.77
7,851.77

TES
6.77%
6.77%
5.36%
5.36%
4.88%
4.88%
4.88%
4.88%

Datos del prstamo

Importe
Tipo inters prstamo
N liquidaciones por ao
Duracin en aos

125000
4.25%
2
5

Datos del fondo

Tipo inters fondo

N aportaciones por ao
Duracin en aos

3.50%
2
5

Periodo
0
1
2
3
4
5
6
7
8
9
10

Saldo
125,000.00
125,000.00
125,000.00
125,000.00
125,000.00
125,000.00
125,000.00
125,000.00
125,000.00
125,000.00
0.00

Interes
5,312.50
5,312.50
5,312.50
5,312.50
5,312.50
5,312.50
5,312.50
5,312.50
5,312.50
5,312.50

Amortizacin

Aporte Fondo

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
125,000.00

10,655.17
10,655.17
10,655.17
10,655.17
10,655.17
10,655.17
10,655.17
10,655.17
10,655.17
10,655.17

Aporte
Actualizado
10,655.17
21,683.27
33,097.36
44,910.94
57,137.99
69,792.99
82,890.92
96,447.27
110,478.10
125,000.00

Pago
15,967.67
15,967.67
15,967.67
15,967.67
15,967.67
15,967.67
15,967.67
15,967.67
15,967.67
15,967.67

Pagare
Vencimeinto
TEA
Otros gastos

25,000.00
45 Das
22%
46.78

0
Pagare
Interes Adelantado
Otros Gastos
Abono del Banco

25,000.00
-613.75
-46.78
24,339.47

TE45D
TE45D

2.5168%
descontada

2.4550%

45
Pago al Banco
Flujo

TIR Anual
TIR Diario
TIR Anual

25,000.00

Fecha
Importe
0
7/28/2013
-24,339.47
1
9/11/2013
25,000.00
24.2577% Basado en un ao de 365 das
0.0595%
23.8885% Basado en un ao de 360 das

75
7

Prestamo
Nper
TEA
Resultado:
TE75D
TE75D DESCONTADA
Interes adelantado
Porte
Monto Abonado

50,000.00 U$D
75.00 Das
22.00%

4.2297%
4.0581%
2,029.04 U$D
30.00 U$D
47,940.96 U$D

Se financia a 30 das
se financia a 15 dias
82

90
23

Amortizacin (40%)
Financiar
TEA
TEA Mora
TE7D Interes
TE7D Mora
Financiar (30%) TE8D
TE8D DESCONTADA

15 das

Financiar (70%) TE23D

TE23D DESCONTADA

30 das

Interes x 7 das
Mora x 7 das
Interes (8D) adelantado
Interes (23D)adelantado
Porte
Pago al Banco

20,000.00 U$D
30,000.00 U$D
24.00%
5.00%
0.4191%
0.0949%
9,000.00 U$D
0.0093%
0.0093%
21,000.00 U$D
1.3838%
1.3649%
209.57 U$D
47.46 U$D
0.84 U$D
286.63 U$D
15.00 U$D
20,559.50 U$D

Pago al Banco

105

9,000.00 U$D
Pago al Banco

21,000.00 U$D

Flujo
Periodo

Fecha

Importe

9/1/2013

-47,940.96

11/22/2013

20,559.50

11/30/2013

9,000.00

12/15/2013

21,000.00

TIR Anual
TIR Diario
TIR Anual

23.2251% Basado en un ao de 365 das

0.0572%
22.8730% Basado en un ao de 360 das

45
9

Prestamo
Nper
TEA
Resultado:
TE45D
TE45D DESCONTADA
Interes adelantado
Porte
Monto Abonado

50,000.00 U$D
45.00 Das
24.00%

2.7254%
2.6531%
1,326.53 U$D
30.00 U$D
48,643.47 U$D

se financia a 30 dias
54

21

75
23
U$D

TEA
TEA Mora
TE9D Interes
TE9D Mora

27.00% U$D
4.00%
0.5993%
0.0981%

Financiar - 30 das
TE21D
TE21D DESCONTADA

50,000.00 U$D
1.4040%
1.3846%

Interes x 9 das
Mora x 9 das
Interes (21D) adelantado

299.67 U$D
49.05 U$D
692.30 U$D
1,041.01 U$D

Pago al Banco

Pago al Banco

50,000.00 U$D

Flujo
Periodo

Fecha

Importe

9/1/2013

-48,643.47

10/25/2013

1,041.01

11/15/2013

50,000.00

TIR Anual

26.5539% Basado en un ao de 365 das

TIR Diario
TIR Anual

0.0645%
26.1463% Basado en un ao de 360 das