Tabla de Amortización de un préstamo

Periodos (años) Periodos por año Principal

2 12 (1,500,000.00)

Instrucciones:
Esta tabla de amortización le permite ver cómo es el financiamiento de un crédito que usted desee adquirir. Puede
verificar cuanto quedara pagando en cuotas mensuales y verificar cuanto pagará en intereses al término de dicho
préstamo.
Configuración:
- Periodo (año): El default se ha realizado para 5 años (60 meses), sin embargo Ud. puede modificar este archivo
para cambiar la cantidad de periodos - modificar numero en campo "Periodos (años)". De ser modificado este campo,
sólo debe aumentar (o disminuir) la cantidad de meses al final del cuadro (tabla), Ejm: Si cambia a 4 años (48 meses),
se debe disminuir la tabla hasta 48 meses (columna de meses) y verificar el número cero en la columna “Deuda”.
- Principal: El principal es la cantidad de dinero que Ud. solicitará. Puede modificar la cantidad Principal (verifique que
la cantidad es negativa).
- Tasa de Interés Nominal: Es la tasa a la que Ud. esta solicitando el préstamo. En esta tabla se asume que es una
tasa fija a lo largo de dicho crédito.

Cuota de pago Pagos al

Meses Deuda Inicial Intereses
Mensual Fija Principal
1 1,500,000.00 73,444.67 20,000.00 53,444.67
2 1,446,555.33 73,444.67 19,287.40 54,157.26
3 1,392,398.07 73,444.67 18,565.31 54,879.36
4 1,337,518.71 73,444.67 17,833.58 55,611.08
5 1,281,907.63 73,444.67 17,092.10 56,352.56
6 1,225,555.07 73,444.67 16,340.73 57,103.93
7 1,168,451.14 73,444.67 15,579.35 57,865.32
8 1,110,585.82 73,444.67 14,807.81 58,636.85
9 1,051,948.96 73,444.67 14,025.99 59,418.68
10 992,530.28 73,444.67 13,233.74 60,210.93
11 932,319.36 73,444.67 12,430.92 61,013.74
12 871,305.61 73,444.67 11,617.41 61,827.26
13 809,478.36 73,444.67 10,793.04 62,651.62
14 746,826.74 73,444.67 9,957.69 63,486.98
15 683,339.76 73,444.67 9,111.20 64,333.47
16 619,006.29 73,444.67 8,253.42 65,191.25
17 553,815.04 73,444.67 7,384.20 66,060.47
18 487,754.58 73,444.67 6,503.39 66,941.27
19 420,813.31 73,444.67 5,610.84 67,833.82
20 352,979.48 73,444.67 4,706.39 68,738.27
21 284,241.21 73,444.67 3,789.88 69,654.78
22 214,586.43 73,444.67 2,861.15 70,583.51
23 144,002.92 73,444.67 1,920.04 71,524.63
24 72,478.29 73,444.67 966.38 72,478.29
1,762,671.98 262,671.98 1,500,000.00
25 0.00 73,444.67 0.00 73,444.67
26 -73,444.67 73,444.67 -979.26 74,423.93
27 -147,868.59 73,444.67 -1,971.58 75,416.25
28 -223,284.84 73,444.67 -2,977.13 76,421.80
29 -299,706.64 73,444.67 -3,996.09 77,440.75
30 -377,147.39 73,444.67 -5,028.63 78,473.30
31 -455,620.69 73,444.67 -6,074.94 79,519.61
32 -535,140.30 73,444.67 -7,135.20 80,579.87
33 -615,720.17 73,444.67 -8,209.60 81,654.27
34 -697,374.44 73,444.67 -9,298.33 82,742.99
35 -780,117.43 73,444.67 -10,401.57 83,846.23
36 -863,963.66 73,444.67 -11,519.52 84,964.18
37 -948,927.84 73,444.67 -12,652.37 86,097.04
38 -1,035,024.88 73,444.67 -13,800.33 87,245.00
39 -1,122,269.87 73,444.67 -14,963.60 88,408.26
40 -1,210,678.14 73,444.67 -16,142.38 89,587.04
41 -1,300,265.18 73,444.67 -17,336.87 90,781.53
42 -1,391,046.71 73,444.67 -18,547.29 91,991.96
43 -1,483,038.67 73,444.67 -19,773.85 93,218.51
44 -1,576,257.18 73,444.67 -21,016.76 94,461.43
45 -1,670,718.61 73,444.67 -22,276.25 95,720.91
46 -1,766,439.53 73,444.67 -23,552.53 96,997.19
47 -1,863,436.72 73,444.67 -24,845.82 98,290.49
48 -1,961,727.21 73,444.67 -26,156.36 99,601.03
49 -2,061,328.24 73,444.67 -27,484.38 100,929.04
50 -2,162,257.28 73,444.67 -28,830.10 102,274.76
51 -2,264,532.04 73,444.67 -30,193.76 103,638.43
52 -2,368,170.47 73,444.67 -31,575.61 105,020.27
53 -2,473,190.74 73,444.67 -32,975.88 106,420.54
54 -2,579,611.28 73,444.67 -34,394.82 107,839.48
55 -2,687,450.77 73,444.67 -35,832.68 109,277.34
56 -2,796,728.11 73,444.67 -37,289.71 110,734.37
57 -2,907,462.48 73,444.67 -38,766.17 112,210.83
58 -3,019,673.31 73,444.67 -40,262.31 113,706.98
59 -3,133,380.29 73,444.67 -41,778.40 115,223.07
60 -3,248,603.36 73,444.67 -43,314.71 116,759.38
éstamo
Tasa nominal anual
16.000%

o que usted desee adquirir. Puede

á en intereses al término de dicho

o Ud. puede modificar este archivo

años)". De ser modificado este campo,
, Ejm: Si cambia a 4 años (48 meses),
mero cero en la columna “Deuda”.
car la cantidad Principal (verifique que

En esta tabla se asume que es una

Deuda GASTOS 1 GASTOS 2 TOTAL

1,446,555.33 6,666.67 2,500.00 29,166.67

1,392,398.07 6,666.67 2,500.00 28,454.07
1,337,518.71 6,666.67 2,500.00 27,731.97
1,281,907.63 6,666.67 2,500.00 27,000.25
1,225,555.07 6,666.67 2,500.00 26,258.77
1,168,451.14 6,666.67 2,500.00 25,507.40
1,110,585.82 6,666.67 2,500.00 24,746.02
1,051,948.96 6,666.67 2,500.00 23,974.48
992,530.28 6,666.67 2,500.00 23,192.65
932,319.36 6,666.67 2,500.00 22,400.40
871,305.61 6,666.67 2,500.00 21,597.59
809,478.36 6,666.67 2,500.00 20,784.07
746,826.74 6,666.67 2,500.00 19,959.71
683,339.76 6,666.67 2,500.00 19,124.36
619,006.29 6,666.67 2,500.00 18,277.86
553,815.04 6,666.67 2,500.00 17,420.08
487,754.58 6,666.67 2,500.00 16,550.87
420,813.31 6,666.67 2,500.00 15,670.06
352,979.48 6,666.67 2,500.00 14,777.51
284,241.21 6,666.67 2,500.00 13,873.06
214,586.43 6,666.67 2,500.00 12,956.55
144,002.92 6,666.67 2,500.00 12,027.82
72,478.29 6,666.67 2,500.00 11,086.71
0.00 6,666.67 2,500.00 10,133.04
18% 160,000.00 60,000.00 482,671.98
-73,444.67
-147,868.59
-223,284.84
-299,706.64
 -377,147.39
-455,620.69
-535,140.30
-615,720.17
-697,374.44
-780,117.43
-863,963.66
-948,927.84
-1,035,024.88
-1,122,269.87
-1,210,678.14
-1,300,265.18
-1,391,046.71
-1,483,038.67
-1,576,257.18
-1,670,718.61
-1,766,439.53
-1,863,436.72
-1,961,727.21
-2,061,328.24
-2,162,257.28
-2,264,532.04
-2,368,170.47
-2,473,190.74
-2,579,611.28
-2,687,450.77
-2,796,728.11
-2,907,462.48
-3,019,673.31
-3,133,380.29
-3,248,603.36
-3,365,362.74
 1.94%
1.97%
1.99%
2.02%
2.05%
2.08%
2.12%
2.16%
2.20%
2.26%
2.32%
2.39% 2.12%
2.47%
2.56%
2.67%
2.81%
2.99%
3.21%
3.51%
3.93%
4.56%
5.61%
7.70%
13.98% 4.67%
3.40%