EVIDENCIA DE TABLA DE AMORTIZACIÓN

4. EJERCICIOS Y TALLERES APLICATIVOS

1. Una persona ha solicitado un crédito para comprar un vehículo, y le otorgan la suma de $45 millones a una tasa del
12% nominal mensual. Si la cuota que va a pagar es fija ¿Cuál es el valor de la cuota? Construya el cuadro de
amortización para el primer año del crédito
LAS CELDAS DE COLOR VERDE ( ) SON PARAMETROS

12.00% tasa de in monto 45000000

N= 12

períodos inicial interés amort cuota final

0 45000000
1 $ 45,000,000.00 $ 5,400,000.00 $ 1,864,656.34 $ 7,264,656.34 $ 43,135,343.66
2 $ 43,135,343.66 $ 5,176,241.24 $ 2,088,415.10 $ 7,264,656.34 $ 41,046,928.56
3 $ 41,046,928.56 $ 4,925,631.43 $ 2,339,024.92 $ 7,264,656.34 $ 38,707,903.64
4 $ 38,707,903.64 $ 4,644,948.44 $ 2,619,707.90 $ 7,264,656.34 $ 36,088,195.74
5 $ 36,088,195.74 $ 4,330,583.49 $ 2,934,072.85 $ 7,264,656.34 $ 33,154,122.88
6 $ 33,154,122.88 $ 3,978,494.75 $ 3,286,161.60 $ 7,264,656.34 $ 29,867,961.29
7 $ 29,867,961.29 $ 3,584,155.35 $ 3,680,500.99 $ 7,264,656.34 $ 26,187,460.30
8 $ 26,187,460.30 $ 3,142,495.24 $ 4,122,161.11 $ 7,264,656.34 $ 22,065,299.19
9 $ 22,065,299.19 $ 2,647,835.90 $ 4,616,820.44 $ 7,264,656.34 $ 17,448,478.75
10 $ 17,448,478.75 $ 2,093,817.45 $ 5,170,838.89 $ 7,264,656.34 $ 12,277,639.86
11 $ 12,277,639.86 $ 1,473,316.78 $ 5,791,339.56 $ 7,264,656.34 $ 6,486,300.31
12 $ 6,486,300.31 $ 778,356.04 $ 6,486,300.31 $ 7,264,656.34 $ -

$ 351,465,634.17 $ 42,175,876.10 $ 45,000,000.00 $ 87,175,876.10 $ 351,465,634.17

 EVIDENCIA DE TABLA DE AMORTIZACIÓN

2. Usando un programa de Hoja de Cálculo construya un cuadro de amortización para un préstamo hipotecario de $60
millones a 15 años plazo con pagos mensuales iguales si la tasa de interés es del 0.8% periódica mensual.
LAS CELDAS DE COLOR VERDE ( ) SON PARAMETROS

0.80% tasa de in monto

N= 180

períodos inicial interés amort cuota

0
1 $ 60,000,000.00 $ 480,000.00 $ 150,160.36 $ 630,160.36
2 $ 59,849,839.64 $ 478,798.72 $ 151,361.64 $ 630,160.36
3 $ 59,698,478.00 $ 477,587.82 $ 152,572.54 $ 630,160.36
4 $ 59,545,905.46 $ 476,367.24 $ 153,793.12 $ 630,160.36
5 $ 59,392,112.34 $ 475,136.90 $ 155,023.46 $ 630,160.36
6 $ 59,237,088.88 $ 473,896.71 $ 156,263.65 $ 630,160.36
7 $ 59,080,825.23 $ 472,646.60 $ 157,513.76 $ 630,160.36
8 $ 58,923,311.48 $ 471,386.49 $ 158,773.87 $ 630,160.36
9 $ 58,764,537.61 $ 470,116.30 $ 160,044.06 $ 630,160.36
10 $ 58,604,493.55 $ 468,835.95 $ 161,324.41 $ 630,160.36
11 $ 58,443,169.14 $ 467,545.35 $ 162,615.01 $ 630,160.36
12 $ 58,280,554.13 $ 466,244.43 $ 163,915.93 $ 630,160.36
13 $ 58,116,638.20 $ 464,933.11 $ 165,227.25 $ 630,160.36
14 $ 57,951,410.95 $ 463,611.29 $ 166,549.07 $ 630,160.36
15 $ 57,784,861.88 $ 462,278.90 $ 167,881.47 $ 630,160.36
16 $ 57,616,980.41 $ 460,935.84 $ 169,224.52 $ 630,160.36
17 $ 57,447,755.89 $ 459,582.05 $ 170,578.31 $ 630,160.36
18 $ 57,277,177.58 $ 458,217.42 $ 171,942.94 $ 630,160.36
19 $ 57,105,234.64 $ 456,841.88 $ 173,318.48 $ 630,160.36
20 $ 56,931,916.16 $ 455,455.33 $ 174,705.03 $ 630,160.36
21 $ 56,757,211.13 $ 454,057.69 $ 176,102.67 $ 630,160.36
22 $ 56,581,108.46 $ 452,648.87 $ 177,511.49 $ 630,160.36
23 $ 56,403,596.97 $ 451,228.78 $ 178,931.58 $ 630,160.36
24 $ 56,224,665.38 $ 449,797.32 $ 180,363.04 $ 630,160.36
25 $ 56,044,302.34 $ 448,354.42 $ 181,805.94 $ 630,160.36
26 $ 55,862,496.40 $ 446,899.97 $ 183,260.39 $ 630,160.36
27 $ 55,679,236.01 $ 445,433.89 $ 184,726.47 $ 630,160.36
28 $ 55,494,509.54 $ 443,956.08 $ 186,204.28 $ 630,160.36
29 $ 55,308,305.26 $ 442,466.44 $ 187,693.92 $ 630,160.36
30 $ 55,120,611.34 $ 440,964.89 $ 189,195.47 $ 630,160.36
31 $ 54,931,415.87 $ 439,451.33 $ 190,709.03 $ 630,160.36
32 $ 54,740,706.84 $ 437,925.65 $ 192,234.71 $ 630,160.36
33 $ 54,548,472.13 $ 436,387.78 $ 193,772.58 $ 630,160.36
34 $ 54,354,699.55 $ 434,837.60 $ 195,322.76 $ 630,160.36
35 $ 54,159,376.79 $ 433,275.01 $ 196,885.35 $ 630,160.36
36 $ 53,962,491.44 $ 431,699.93 $ 198,460.43 $ 630,160.36
37 $ 53,764,031.01 $ 430,112.25 $ 200,048.11 $ 630,160.36
38 $ 53,563,982.90 $ 428,511.86 $ 201,648.50 $ 630,160.36
39 $ 53,362,334.40 $ 426,898.68 $ 203,261.68 $ 630,160.36
40 $ 53,159,072.72 $ 425,272.58 $ 204,887.78 $ 630,160.36
41 $ 52,954,184.94 $ 423,633.48 $ 206,526.88 $ 630,160.36
42 $ 52,747,658.06 $ 421,981.26 $ 208,179.10 $ 630,160.36
43 $ 52,539,478.96 $ 420,315.83 $ 209,844.53 $ 630,160.36
44 $ 52,329,634.44 $ 418,637.08 $ 211,523.28 $ 630,160.36
45 $ 52,118,111.15 $ 416,944.89 $ 213,215.47 $ 630,160.36
46 $ 51,904,895.68 $ 415,239.17 $ 214,921.19 $ 630,160.36
47 $ 51,689,974.49 $ 413,519.80 $ 216,640.56 $ 630,160.36
48 $ 51,473,333.92 $ 411,786.67 $ 218,373.69 $ 630,160.36
49 $ 51,254,960.23 $ 410,039.68 $ 220,120.68 $ 630,160.36
50 $ 51,034,839.56 $ 408,278.72 $ 221,881.64 $ 630,160.36
51 $ 50,812,957.91 $ 406,503.66 $ 223,656.70 $ 630,160.36
52 $ 50,589,301.22 $ 404,714.41 $ 225,445.95 $ 630,160.36
53 $ 50,363,855.26 $ 402,910.84 $ 227,249.52 $ 630,160.36
54 $ 50,136,605.75 $ 401,092.85 $ 229,067.51 $ 630,160.36
55 $ 49,907,538.23 $ 399,260.31 $ 230,900.05 $ 630,160.36
56 $ 49,676,638.18 $ 397,413.11 $ 232,747.25 $ 630,160.36
57 $ 49,443,890.92 $ 395,551.13 $ 234,609.23 $ 630,160.36
58 $ 49,209,281.69 $ 393,674.25 $ 236,486.11 $ 630,160.36
59 $ 48,972,795.58 $ 391,782.36 $ 238,378.00 $ 630,160.36
60 $ 48,734,417.59 $ 389,875.34 $ 240,285.02 $ 630,160.36
61 $ 48,494,132.57 $ 387,953.06 $ 242,207.30 $ 630,160.36
62 $ 48,251,925.27 $ 386,015.40 $ 244,144.96 $ 630,160.36
63 $ 48,007,780.31 $ 384,062.24 $ 246,098.12 $ 630,160.36
64 $ 47,761,682.20 $ 382,093.46 $ 248,066.90 $ 630,160.36
65 $ 47,513,615.29 $ 380,108.92 $ 250,051.44 $ 630,160.36
66 $ 47,263,563.86 $ 378,108.51 $ 252,051.85 $ 630,160.36
67 $ 47,011,512.01 $ 376,092.10 $ 254,068.26 $ 630,160.36
68 $ 46,757,443.74 $ 374,059.55 $ 256,100.81 $ 630,160.36
69 $ 46,501,342.93 $ 372,010.74 $ 258,149.62 $ 630,160.36
70 $ 46,243,193.32 $ 369,945.55 $ 260,214.81 $ 630,160.36
71 $ 45,982,978.50 $ 367,863.83 $ 262,296.53 $ 630,160.36
72 $ 45,720,681.97 $ 365,765.46 $ 264,394.90 $ 630,160.36
73 $ 45,456,287.07 $ 363,650.30 $ 266,510.06 $ 630,160.36
74 $ 45,189,777.00 $ 361,518.22 $ 268,642.14 $ 630,160.36
75 $ 44,921,134.86 $ 359,369.08 $ 270,791.28 $ 630,160.36
76 $ 44,650,343.58 $ 357,202.75 $ 272,957.61 $ 630,160.36
77 $ 44,377,385.97 $ 355,019.09 $ 275,141.27 $ 630,160.36
78 $ 44,102,244.69 $ 352,817.96 $ 277,342.40 $ 630,160.36
79 $ 43,824,902.29 $ 350,599.22 $ 279,561.14 $ 630,160.36
 80 $ 43,545,341.15 $ 348,362.73 $ 281,797.63 $ 630,160.36
81 $ 43,263,543.52 $ 346,108.35 $ 284,052.01 $ 630,160.36
82 $ 42,979,491.51 $ 343,835.93 $ 286,324.43 $ 630,160.36
83 $ 42,693,167.08 $ 341,545.34 $ 288,615.02 $ 630,160.36
84 $ 42,404,552.06 $ 339,236.42 $ 290,923.94 $ 630,160.36
85 $ 42,113,628.11 $ 336,909.02 $ 293,251.34 $ 630,160.36
86 $ 41,820,376.78 $ 334,563.01 $ 295,597.35 $ 630,160.36
87 $ 41,524,779.43 $ 332,198.24 $ 297,962.12 $ 630,160.36
88 $ 41,226,817.31 $ 329,814.54 $ 300,345.82 $ 630,160.36
89 $ 40,926,471.48 $ 327,411.77 $ 302,748.59 $ 630,160.36
90 $ 40,623,722.90 $ 324,989.78 $ 305,170.58 $ 630,160.36
91 $ 40,318,552.32 $ 322,548.42 $ 307,611.94 $ 630,160.36
92 $ 40,010,940.38 $ 320,087.52 $ 310,072.84 $ 630,160.36
93 $ 39,700,867.54 $ 317,606.94 $ 312,553.42 $ 630,160.36
94 $ 39,388,314.12 $ 315,106.51 $ 315,053.85 $ 630,160.36
95 $ 39,073,260.27 $ 312,586.08 $ 317,574.28 $ 630,160.36
96 $ 38,755,686.00 $ 310,045.49 $ 320,114.87 $ 630,160.36
97 $ 38,435,571.12 $ 307,484.57 $ 322,675.79 $ 630,160.36
98 $ 38,112,895.33 $ 304,903.16 $ 325,257.20 $ 630,160.36
99 $ 37,787,638.14 $ 302,301.11 $ 327,859.25 $ 630,160.36
100 $ 37,459,778.88 $ 299,678.23 $ 330,482.13 $ 630,160.36
101 $ 37,129,296.75 $ 297,034.37 $ 333,125.99 $ 630,160.36
102 $ 36,796,170.77 $ 294,369.37 $ 335,790.99 $ 630,160.36
103 $ 36,460,379.77 $ 291,683.04 $ 338,477.32 $ 630,160.36
104 $ 36,121,902.45 $ 288,975.22 $ 341,185.14 $ 630,160.36
105 $ 35,780,717.31 $ 286,245.74 $ 343,914.62 $ 630,160.36
106 $ 35,436,802.69 $ 283,494.42 $ 346,665.94 $ 630,160.36
107 $ 35,090,136.75 $ 280,721.09 $ 349,439.27 $ 630,160.36
108 $ 34,740,697.48 $ 277,925.58 $ 352,234.78 $ 630,160.36
109 $ 34,388,462.70 $ 275,107.70 $ 355,052.66 $ 630,160.36
110 $ 34,033,410.05 $ 272,267.28 $ 357,893.08 $ 630,160.36
111 $ 33,675,516.97 $ 269,404.14 $ 360,756.22 $ 630,160.36
112 $ 33,314,760.74 $ 266,518.09 $ 363,642.27 $ 630,160.36
113 $ 32,951,118.47 $ 263,608.95 $ 366,551.41 $ 630,160.36
114 $ 32,584,567.06 $ 260,676.54 $ 369,483.82 $ 630,160.36
115 $ 32,215,083.23 $ 257,720.67 $ 372,439.69 $ 630,160.36
116 $ 31,842,643.54 $ 254,741.15 $ 375,419.21 $ 630,160.36
117 $ 31,467,224.33 $ 251,737.79 $ 378,422.57 $ 630,160.36
118 $ 31,088,801.76 $ 248,710.41 $ 381,449.95 $ 630,160.36
119 $ 30,707,351.81 $ 245,658.81 $ 384,501.55 $ 630,160.36
120 $ 30,322,850.27 $ 242,582.80 $ 387,577.56 $ 630,160.36
121 $ 29,935,272.71 $ 239,482.18 $ 390,678.18 $ 630,160.36
122 $ 29,544,594.53 $ 236,356.76 $ 393,803.60 $ 630,160.36
123 $ 29,150,790.93 $ 233,206.33 $ 396,954.03 $ 630,160.36
124 $ 28,753,836.90 $ 230,030.70 $ 400,129.66 $ 630,160.36
125 $ 28,353,707.23 $ 226,829.66 $ 403,330.70 $ 630,160.36
126 $ 27,950,376.53 $ 223,603.01 $ 406,557.35 $ 630,160.36
127 $ 27,543,819.18 $ 220,350.55 $ 409,809.81 $ 630,160.36
128 $ 27,134,009.37 $ 217,072.07 $ 413,088.29 $ 630,160.36
129 $ 26,720,921.09 $ 213,767.37 $ 416,392.99 $ 630,160.36
130 $ 26,304,528.10 $ 210,436.22 $ 419,724.14 $ 630,160.36
131 $ 25,884,803.96 $ 207,078.43 $ 423,081.93 $ 630,160.36
132 $ 25,461,722.03 $ 203,693.78 $ 426,466.58 $ 630,160.36
133 $ 25,035,255.45 $ 200,282.04 $ 429,878.32 $ 630,160.36
134 $ 24,605,377.13 $ 196,843.02 $ 433,317.34 $ 630,160.36
135 $ 24,172,059.79 $ 193,376.48 $ 436,783.88 $ 630,160.36
136 $ 23,735,275.91 $ 189,882.21 $ 440,278.15 $ 630,160.36
137 $ 23,294,997.76 $ 186,359.98 $ 443,800.38 $ 630,160.36
138 $ 22,851,197.38 $ 182,809.58 $ 447,350.78 $ 630,160.36
139 $ 22,403,846.60 $ 179,230.77 $ 450,929.59 $ 630,160.36
140 $ 21,952,917.01 $ 175,623.34 $ 454,537.02 $ 630,160.36
141 $ 21,498,379.99 $ 171,987.04 $ 458,173.32 $ 630,160.36
142 $ 21,040,206.67 $ 168,321.65 $ 461,838.71 $ 630,160.36
143 $ 20,578,367.96 $ 164,626.94 $ 465,533.42 $ 630,160.36
144 $ 20,112,834.54 $ 160,902.68 $ 469,257.68 $ 630,160.36
145 $ 19,643,576.86 $ 157,148.61 $ 473,011.75 $ 630,160.36
146 $ 19,170,565.12 $ 153,364.52 $ 476,795.84 $ 630,160.36
147 $ 18,693,769.28 $ 149,550.15 $ 480,610.21 $ 630,160.36
148 $ 18,213,159.07 $ 145,705.27 $ 484,455.09 $ 630,160.36
149 $ 17,728,703.98 $ 141,829.63 $ 488,330.73 $ 630,160.36
150 $ 17,240,373.25 $ 137,922.99 $ 492,237.37 $ 630,160.36
151 $ 16,748,135.88 $ 133,985.09 $ 496,175.27 $ 630,160.36
152 $ 16,251,960.61 $ 130,015.68 $ 500,144.68 $ 630,160.36
153 $ 15,751,815.93 $ 126,014.53 $ 504,145.83 $ 630,160.36
154 $ 15,247,670.10 $ 121,981.36 $ 508,179.00 $ 630,160.36
155 $ 14,739,491.10 $ 117,915.93 $ 512,244.43 $ 630,160.36
156 $ 14,227,246.67 $ 113,817.97 $ 516,342.39 $ 630,160.36
157 $ 13,710,904.28 $ 109,687.23 $ 520,473.13 $ 630,160.36
158 $ 13,190,431.16 $ 105,523.45 $ 524,636.91 $ 630,160.36
159 $ 12,665,794.25 $ 101,326.35 $ 528,834.01 $ 630,160.36
160 $ 12,136,960.24 $ 97,095.68 $ 533,064.68 $ 630,160.36
161 $ 11,603,895.56 $ 92,831.16 $ 537,329.20 $ 630,160.36
162 $ 11,066,566.37 $ 88,532.53 $ 541,627.83 $ 630,160.36
163 $ 10,524,938.54 $ 84,199.51 $ 545,960.85 $ 630,160.36
164 $ 9,978,977.69 $ 79,831.82 $ 550,328.54 $ 630,160.36
165 $ 9,428,649.15 $ 75,429.19 $ 554,731.17 $ 630,160.36
166 $ 8,873,917.98 $ 70,991.34 $ 559,169.02 $ 630,160.36
167 $ 8,314,748.96 $ 66,517.99 $ 563,642.37 $ 630,160.36
168 $ 7,751,106.60 $ 62,008.85 $ 568,151.51 $ 630,160.36
169 $ 7,182,955.09 $ 57,463.64 $ 572,696.72 $ 630,160.36
170 $ 6,610,258.37 $ 52,882.07 $ 577,278.29 $ 630,160.36
171 $ 6,032,980.08 $ 48,263.84 $ 581,896.52 $ 630,160.36
172 $ 5,451,083.56 $ 43,608.67 $ 586,551.69 $ 630,160.36
173 $ 4,864,531.87 $ 38,916.25 $ 591,244.11 $ 630,160.36
174 $ 4,273,287.76 $ 34,186.30 $ 595,974.06 $ 630,160.36
175 $ 3,677,313.70 $ 29,418.51 $ 600,741.85 $ 630,160.36
176 $ 3,076,571.85 $ 24,612.57 $ 605,547.79 $ 630,160.36
177 $ 2,471,024.07 $ 19,768.19 $ 610,392.17 $ 630,160.36
178 $ 1,860,631.90 $ 14,885.06 $ 615,275.30 $ 630,160.36
179 $ 1,245,356.59 $ 9,962.85 $ 620,197.51 $ 630,160.36
180 $ 625,159.09 $ 5,001.27 $ 625,159.09 $ 630,160.36

total $ 53,428,864.80 $ 60,000,000.00 $ 113,428,864.80

a un préstamo hipotecario de $60
el 0.8% periódica mensual.
TROS

60000000

final
60000000
$ 59,849,839.64
$ 59,698,478.00
$ 59,545,905.46
$ 59,392,112.34
$ 59,237,088.88
$ 59,080,825.23
$ 58,923,311.48
$ 58,764,537.61
$ 58,604,493.55
$ 58,443,169.14
$ 58,280,554.13
$ 58,116,638.20
$ 57,951,410.95
$ 57,784,861.88
$ 57,616,980.41
$ 57,447,755.89
$ 57,277,177.58
$ 57,105,234.64
$ 56,931,916.16
$ 56,757,211.13
$ 56,581,108.46
$ 56,403,596.97
$ 56,224,665.38
$ 56,044,302.34
$ 55,862,496.40
$ 55,679,236.01
$ 55,494,509.54
$ 55,308,305.26
$ 55,120,611.34
$ 54,931,415.87
$ 54,740,706.84
$ 54,548,472.13
$ 54,354,699.55
$ 54,159,376.79
$ 53,962,491.44
$ 53,764,031.01
$ 53,563,982.90
$ 53,362,334.40
$ 53,159,072.72
$ 52,954,184.94
$ 52,747,658.06
$ 52,539,478.96
$ 52,329,634.44
$ 52,118,111.15
$ 51,904,895.68
$ 51,689,974.49
$ 51,473,333.92
$ 51,254,960.23
$ 51,034,839.56
$ 50,812,957.91
$ 50,589,301.22
$ 50,363,855.26
$ 50,136,605.75
$ 49,907,538.23
$ 49,676,638.18
$ 49,443,890.92
$ 49,209,281.69
$ 48,972,795.58
$ 48,734,417.59
$ 48,494,132.57
$ 48,251,925.27
$ 48,007,780.31
$ 47,761,682.20
$ 47,513,615.29
$ 47,263,563.86
$ 47,011,512.01
$ 46,757,443.74
$ 46,501,342.93
$ 46,243,193.32
$ 45,982,978.50
$ 45,720,681.97
$ 45,456,287.07
$ 45,189,777.00
$ 44,921,134.86
$ 44,650,343.58
$ 44,377,385.97
$ 44,102,244.69
$ 43,824,902.29
$ 43,545,341.15
$ 43,263,543.52
$ 42,979,491.51
$ 42,693,167.08
$ 42,404,552.06
$ 42,113,628.11
$ 41,820,376.78
$ 41,524,779.43
$ 41,226,817.31
$ 40,926,471.48
$ 40,623,722.90
$ 40,318,552.32
$ 40,010,940.38
$ 39,700,867.54
$ 39,388,314.12
$ 39,073,260.27
$ 38,755,686.00
$ 38,435,571.12
$ 38,112,895.33
$ 37,787,638.14
$ 37,459,778.88
$ 37,129,296.75
$ 36,796,170.77
$ 36,460,379.77
$ 36,121,902.45
$ 35,780,717.31
$ 35,436,802.69
$ 35,090,136.75
$ 34,740,697.48
$ 34,388,462.70
$ 34,033,410.05
$ 33,675,516.97
$ 33,314,760.74
$ 32,951,118.47
$ 32,584,567.06
$ 32,215,083.23
$ 31,842,643.54
$ 31,467,224.33
$ 31,088,801.76
$ 30,707,351.81
$ 30,322,850.27
$ 29,935,272.71
$ 29,544,594.53
$ 29,150,790.93
$ 28,753,836.90
$ 28,353,707.23
$ 27,950,376.53
$ 27,543,819.18
$ 27,134,009.37
$ 26,720,921.09
$ 26,304,528.10
$ 25,884,803.96
$ 25,461,722.03
$ 25,035,255.45
$ 24,605,377.13
$ 24,172,059.79
$ 23,735,275.91
$ 23,294,997.76
$ 22,851,197.38
$ 22,403,846.60
$ 21,952,917.01
$ 21,498,379.99
$ 21,040,206.67
$ 20,578,367.96
$ 20,112,834.54
$ 19,643,576.86
$ 19,170,565.12
$ 18,693,769.28
$ 18,213,159.07
$ 17,728,703.98
$ 17,240,373.25
$ 16,748,135.88
$ 16,251,960.61
$ 15,751,815.93
$ 15,247,670.10
$ 14,739,491.10
$ 14,227,246.67
$ 13,710,904.28
$ 13,190,431.16
$ 12,665,794.25
$ 12,136,960.24
$ 11,603,895.56
$ 11,066,566.37
$ 10,524,938.54
$ 9,978,977.69
$ 9,428,649.15
$ 8,873,917.98
$ 8,314,748.96
$ 7,751,106.60
$ 7,182,955.09
$ 6,610,258.37
$ 6,032,980.08
$ 5,451,083.56
$ 4,864,531.87
$ 4,273,287.76
$ 3,677,313.70
$ 3,076,571.85
$ 2,471,024.07
$ 1,860,631.90
$ 1,245,356.59
$ 625,159.09
$ 0.00
 EVIDENCIA DE TABLA DE AMORTIZACIÓN CONSTANTE

3. Usando un programa de Hoja de Cálculo construya un cuadro de amortización para un préstamo hipotecario de $60 millones a
15 años plazo con pagos mensuales iguales si la tasa de interés es del 0.8% periódica mensual. suponga que el banco ofrece
también la posibilidad del pagar el crédito con amortización constante e intereses sobre saldos. Construya el cuadro de
amortización.
LAS CELDAS DE COLOR VERDE ( ) SON PARAMETROS

0.80% tasa de in monto

N= 180 CUOTA DE AMORTIZACION

períodos inicial interés amort cuota

0
1 $ 60,000,000.00 $ 480,000.00 $ 333,333.33 $ 813,333.33
2 $ 59,666,666.67 $ 477,333.33 $ 333,333.33 $ 810,666.67
3 $ 59,333,333.33 $ 474,666.67 $ 333,333.33 $ 808,000.00
4 $ 59,000,000.00 $ 472,000.00 $ 333,333.33 $ 805,333.33
5 $ 58,666,666.67 $ 469,333.33 $ 333,333.33 $ 802,666.67
6 $ 58,333,333.33 $ 466,666.67 $ 333,333.33 $ 800,000.00
7 $ 58,000,000.00 $ 464,000.00 $ 333,333.33 $ 797,333.33
8 $ 57,666,666.67 $ 461,333.33 $ 333,333.33 $ 794,666.67
9 $ 57,333,333.33 $ 458,666.67 $ 333,333.33 $ 792,000.00
10 $ 57,000,000.00 $ 456,000.00 $ 333,333.33 $ 789,333.33
11 $ 56,666,666.67 $ 453,333.33 $ 333,333.33 $ 786,666.67
12 $ 56,333,333.33 $ 450,666.67 $ 333,333.33 $ 784,000.00
13 $ 56,000,000.00 $ 448,000.00 $ 333,333.33 $ 781,333.33
14 $ 55,666,666.67 $ 445,333.33 $ 333,333.33 $ 778,666.67
15 $ 55,333,333.33 $ 442,666.67 $ 333,333.33 $ 776,000.00
16 $ 55,000,000.00 $ 440,000.00 $ 333,333.33 $ 773,333.33
17 $ 54,666,666.67 $ 437,333.33 $ 333,333.33 $ 770,666.67
18 $ 54,333,333.33 $ 434,666.67 $ 333,333.33 $ 768,000.00
19 $ 54,000,000.00 $ 432,000.00 $ 333,333.33 $ 765,333.33
20 $ 53,666,666.67 $ 429,333.33 $ 333,333.33 $ 762,666.67
21 $ 53,333,333.33 $ 426,666.67 $ 333,333.33 $ 760,000.00
22 $ 53,000,000.00 $ 424,000.00 $ 333,333.33 $ 757,333.33
23 $ 52,666,666.67 $ 421,333.33 $ 333,333.33 $ 754,666.67
24 $ 52,333,333.33 $ 418,666.67 $ 333,333.33 $ 752,000.00
25 $ 52,000,000.00 $ 416,000.00 $ 333,333.33 $ 749,333.33
26 $ 51,666,666.67 $ 413,333.33 $ 333,333.33 $ 746,666.67
27 $ 51,333,333.33 $ 410,666.67 $ 333,333.33 $ 744,000.00
28 $ 51,000,000.00 $ 408,000.00 $ 333,333.33 $ 741,333.33
29 $ 50,666,666.67 $ 405,333.33 $ 333,333.33 $ 738,666.67
30 $ 50,333,333.33 $ 402,666.67 $ 333,333.33 $ 736,000.00
31 $ 50,000,000.00 $ 400,000.00 $ 333,333.33 $ 733,333.33
32 $ 49,666,666.67 $ 397,333.33 $ 333,333.33 $ 730,666.67
33 $ 49,333,333.33 $ 394,666.67 $ 333,333.33 $ 728,000.00
34 $ 49,000,000.00 $ 392,000.00 $ 333,333.33 $ 725,333.33
35 $ 48,666,666.67 $ 389,333.33 $ 333,333.33 $ 722,666.67
36 $ 48,333,333.33 $ 386,666.67 $ 333,333.33 $ 720,000.00
37 $ 48,000,000.00 $ 384,000.00 $ 333,333.33 $ 717,333.33
38 $ 47,666,666.67 $ 381,333.33 $ 333,333.33 $ 714,666.67
39 $ 47,333,333.33 $ 378,666.67 $ 333,333.33 $ 712,000.00
40 $ 47,000,000.00 $ 376,000.00 $ 333,333.33 $ 709,333.33
41 $ 46,666,666.67 $ 373,333.33 $ 333,333.33 $ 706,666.67
42 $ 46,333,333.33 $ 370,666.67 $ 333,333.33 $ 704,000.00
43 $ 46,000,000.00 $ 368,000.00 $ 333,333.33 $ 701,333.33
44 $ 45,666,666.67 $ 365,333.33 $ 333,333.33 $ 698,666.67
45 $ 45,333,333.33 $ 362,666.67 $ 333,333.33 $ 696,000.00
46 $ 45,000,000.00 $ 360,000.00 $ 333,333.33 $ 693,333.33
47 $ 44,666,666.67 $ 357,333.33 $ 333,333.33 $ 690,666.67
48 $ 44,333,333.33 $ 354,666.67 $ 333,333.33 $ 688,000.00
49 $ 44,000,000.00 $ 352,000.00 $ 333,333.33 $ 685,333.33
50 $ 43,666,666.67 $ 349,333.33 $ 333,333.33 $ 682,666.67
51 $ 43,333,333.33 $ 346,666.67 $ 333,333.33 $ 680,000.00
52 $ 43,000,000.00 $ 344,000.00 $ 333,333.33 $ 677,333.33
53 $ 42,666,666.67 $ 341,333.33 $ 333,333.33 $ 674,666.67
54 $ 42,333,333.33 $ 338,666.67 $ 333,333.33 $ 672,000.00
55 $ 42,000,000.00 $ 336,000.00 $ 333,333.33 $ 669,333.33
56 $ 41,666,666.67 $ 333,333.33 $ 333,333.33 $ 666,666.67
57 $ 41,333,333.33 $ 330,666.67 $ 333,333.33 $ 664,000.00
58 $ 41,000,000.00 $ 328,000.00 $ 333,333.33 $ 661,333.33
59 $ 40,666,666.67 $ 325,333.33 $ 333,333.33 $ 658,666.67
60 $ 40,333,333.33 $ 322,666.67 $ 333,333.33 $ 656,000.00
61 $ 40,000,000.00 $ 320,000.00 $ 333,333.33 $ 653,333.33
62 $ 39,666,666.67 $ 317,333.33 $ 333,333.33 $ 650,666.67
63 $ 39,333,333.33 $ 314,666.67 $ 333,333.33 $ 648,000.00
64 $ 39,000,000.00 $ 312,000.00 $ 333,333.33 $ 645,333.33
65 $ 38,666,666.67 $ 309,333.33 $ 333,333.33 $ 642,666.67
66 $ 38,333,333.33 $ 306,666.67 $ 333,333.33 $ 640,000.00
67 $ 38,000,000.00 $ 304,000.00 $ 333,333.33 $ 637,333.33
68 $ 37,666,666.67 $ 301,333.33 $ 333,333.33 $ 634,666.67
69 $ 37,333,333.33 $ 298,666.67 $ 333,333.33 $ 632,000.00
70 $ 37,000,000.00 $ 296,000.00 $ 333,333.33 $ 629,333.33
71 $ 36,666,666.67 $ 293,333.33 $ 333,333.33 $ 626,666.67
72 $ 36,333,333.33 $ 290,666.67 $ 333,333.33 $ 624,000.00
73 $ 36,000,000.00 $ 288,000.00 $ 333,333.33 $ 621,333.33
74 $ 35,666,666.67 $ 285,333.33 $ 333,333.33 $ 618,666.67
75 $ 35,333,333.33 $ 282,666.67 $ 333,333.33 $ 616,000.00
76 $ 35,000,000.00 $ 280,000.00 $ 333,333.33 $ 613,333.33
77 $ 34,666,666.67 $ 277,333.33 $ 333,333.33 $ 610,666.67
 78 $ 34,333,333.33 $ 274,666.67 $ 333,333.33 $ 608,000.00
79 $ 34,000,000.00 $ 272,000.00 $ 333,333.33 $ 605,333.33
80 $ 33,666,666.67 $ 269,333.33 $ 333,333.33 $ 602,666.67
81 $ 33,333,333.33 $ 266,666.67 $ 333,333.33 $ 600,000.00
82 $ 33,000,000.00 $ 264,000.00 $ 333,333.33 $ 597,333.33
83 $ 32,666,666.67 $ 261,333.33 $ 333,333.33 $ 594,666.67
84 $ 32,333,333.33 $ 258,666.67 $ 333,333.33 $ 592,000.00
85 $ 32,000,000.00 $ 256,000.00 $ 333,333.33 $ 589,333.33
86 $ 31,666,666.67 $ 253,333.33 $ 333,333.33 $ 586,666.67
87 $ 31,333,333.33 $ 250,666.67 $ 333,333.33 $ 584,000.00
88 $ 31,000,000.00 $ 248,000.00 $ 333,333.33 $ 581,333.33
89 $ 30,666,666.67 $ 245,333.33 $ 333,333.33 $ 578,666.67
90 $ 30,333,333.33 $ 242,666.67 $ 333,333.33 $ 576,000.00
91 $ 30,000,000.00 $ 240,000.00 $ 333,333.33 $ 573,333.33
92 $ 29,666,666.67 $ 237,333.33 $ 333,333.33 $ 570,666.67
93 $ 29,333,333.33 $ 234,666.67 $ 333,333.33 $ 568,000.00
94 $ 29,000,000.00 $ 232,000.00 $ 333,333.33 $ 565,333.33
95 $ 28,666,666.67 $ 229,333.33 $ 333,333.33 $ 562,666.67
96 $ 28,333,333.33 $ 226,666.67 $ 333,333.33 $ 560,000.00
97 $ 28,000,000.00 $ 224,000.00 $ 333,333.33 $ 557,333.33
98 $ 27,666,666.67 $ 221,333.33 $ 333,333.33 $ 554,666.67
99 $ 27,333,333.33 $ 218,666.67 $ 333,333.33 $ 552,000.00
100 $ 27,000,000.00 $ 216,000.00 $ 333,333.33 $ 549,333.33
101 $ 26,666,666.67 $ 213,333.33 $ 333,333.33 $ 546,666.67
102 $ 26,333,333.33 $ 210,666.67 $ 333,333.33 $ 544,000.00
103 $ 26,000,000.00 $ 208,000.00 $ 333,333.33 $ 541,333.33
104 $ 25,666,666.67 $ 205,333.33 $ 333,333.33 $ 538,666.67
105 $ 25,333,333.33 $ 202,666.67 $ 333,333.33 $ 536,000.00
106 $ 25,000,000.00 $ 200,000.00 $ 333,333.33 $ 533,333.33
107 $ 24,666,666.67 $ 197,333.33 $ 333,333.33 $ 530,666.67
108 $ 24,333,333.33 $ 194,666.67 $ 333,333.33 $ 528,000.00
109 $ 24,000,000.00 $ 192,000.00 $ 333,333.33 $ 525,333.33
110 $ 23,666,666.67 $ 189,333.33 $ 333,333.33 $ 522,666.67
111 $ 23,333,333.33 $ 186,666.67 $ 333,333.33 $ 520,000.00
112 $ 23,000,000.00 $ 184,000.00 $ 333,333.33 $ 517,333.33
113 $ 22,666,666.67 $ 181,333.33 $ 333,333.33 $ 514,666.67
114 $ 22,333,333.33 $ 178,666.67 $ 333,333.33 $ 512,000.00
115 $ 22,000,000.00 $ 176,000.00 $ 333,333.33 $ 509,333.33
116 $ 21,666,666.67 $ 173,333.33 $ 333,333.33 $ 506,666.67
117 $ 21,333,333.33 $ 170,666.67 $ 333,333.33 $ 504,000.00
118 $ 21,000,000.00 $ 168,000.00 $ 333,333.33 $ 501,333.33
119 $ 20,666,666.67 $ 165,333.33 $ 333,333.33 $ 498,666.67
120 $ 20,333,333.33 $ 162,666.67 $ 333,333.33 $ 496,000.00
121 $ 20,000,000.00 $ 160,000.00 $ 333,333.33 $ 493,333.33
122 $ 19,666,666.67 $ 157,333.33 $ 333,333.33 $ 490,666.67
123 $ 19,333,333.33 $ 154,666.67 $ 333,333.33 $ 488,000.00
124 $ 19,000,000.00 $ 152,000.00 $ 333,333.33 $ 485,333.33
125 $ 18,666,666.67 $ 149,333.33 $ 333,333.33 $ 482,666.67
126 $ 18,333,333.33 $ 146,666.67 $ 333,333.33 $ 480,000.00
127 $ 18,000,000.00 $ 144,000.00 $ 333,333.33 $ 477,333.33
128 $ 17,666,666.67 $ 141,333.33 $ 333,333.33 $ 474,666.67
129 $ 17,333,333.33 $ 138,666.67 $ 333,333.33 $ 472,000.00
130 $ 17,000,000.00 $ 136,000.00 $ 333,333.33 $ 469,333.33
131 $ 16,666,666.67 $ 133,333.33 $ 333,333.33 $ 466,666.67
132 $ 16,333,333.33 $ 130,666.67 $ 333,333.33 $ 464,000.00
133 $ 16,000,000.00 $ 128,000.00 $ 333,333.33 $ 461,333.33
134 $ 15,666,666.67 $ 125,333.33 $ 333,333.33 $ 458,666.67
135 $ 15,333,333.33 $ 122,666.67 $ 333,333.33 $ 456,000.00
136 $ 15,000,000.00 $ 120,000.00 $ 333,333.33 $ 453,333.33
137 $ 14,666,666.67 $ 117,333.33 $ 333,333.33 $ 450,666.67
138 $ 14,333,333.33 $ 114,666.67 $ 333,333.33 $ 448,000.00
139 $ 14,000,000.00 $ 112,000.00 $ 333,333.33 $ 445,333.33
140 $ 13,666,666.67 $ 109,333.33 $ 333,333.33 $ 442,666.67
141 $ 13,333,333.33 $ 106,666.67 $ 333,333.33 $ 440,000.00
142 $ 13,000,000.00 $ 104,000.00 $ 333,333.33 $ 437,333.33
143 $ 12,666,666.67 $ 101,333.33 $ 333,333.33 $ 434,666.67
144 $ 12,333,333.33 $ 98,666.67 $ 333,333.33 $ 432,000.00
145 $ 12,000,000.00 $ 96,000.00 $ 333,333.33 $ 429,333.33
146 $ 11,666,666.67 $ 93,333.33 $ 333,333.33 $ 426,666.67
147 $ 11,333,333.33 $ 90,666.67 $ 333,333.33 $ 424,000.00
148 $ 11,000,000.00 $ 88,000.00 $ 333,333.33 $ 421,333.33
149 $ 10,666,666.67 $ 85,333.33 $ 333,333.33 $ 418,666.67
150 $ 10,333,333.33 $ 82,666.67 $ 333,333.33 $ 416,000.00
151 $ 10,000,000.00 $ 80,000.00 $ 333,333.33 $ 413,333.33
152 $ 9,666,666.67 $ 77,333.33 $ 333,333.33 $ 410,666.67
153 $ 9,333,333.33 $ 74,666.67 $ 333,333.33 $ 408,000.00
154 $ 9,000,000.00 $ 72,000.00 $ 333,333.33 $ 405,333.33
155 $ 8,666,666.67 $ 69,333.33 $ 333,333.33 $ 402,666.67
156 $ 8,333,333.33 $ 66,666.67 $ 333,333.33 $ 400,000.00
157 $ 8,000,000.00 $ 64,000.00 $ 333,333.33 $ 397,333.33
158 $ 7,666,666.67 $ 61,333.33 $ 333,333.33 $ 394,666.67
159 $ 7,333,333.33 $ 58,666.67 $ 333,333.33 $ 392,000.00
160 $ 7,000,000.00 $ 56,000.00 $ 333,333.33 $ 389,333.33
161 $ 6,666,666.67 $ 53,333.33 $ 333,333.33 $ 386,666.67
162 $ 6,333,333.33 $ 50,666.67 $ 333,333.33 $ 384,000.00
163 $ 6,000,000.00 $ 48,000.00 $ 333,333.33 $ 381,333.33
164 $ 5,666,666.67 $ 45,333.33 $ 333,333.33 $ 378,666.67
165 $ 5,333,333.33 $ 42,666.67 $ 333,333.33 $ 376,000.00
166 $ 5,000,000.00 $ 40,000.00 $ 333,333.33 $ 373,333.33
167 $ 4,666,666.67 $ 37,333.33 $ 333,333.33 $ 370,666.67
168 $ 4,333,333.33 $ 34,666.67 $ 333,333.33 $ 368,000.00
169 $ 4,000,000.00 $ 32,000.00 $ 333,333.33 $ 365,333.33
170 $ 3,666,666.67 $ 29,333.33 $ 333,333.33 $ 362,666.67
171 $ 3,333,333.33 $ 26,666.67 $ 333,333.33 $ 360,000.00
172 $ 3,000,000.00 $ 24,000.00 $ 333,333.33 $ 357,333.33
173 $ 2,666,666.67 $ 21,333.33 $ 333,333.33 $ 354,666.67
174 $ 2,333,333.33 $ 18,666.67 $ 333,333.33 $ 352,000.00
175 $ 2,000,000.00 $ 16,000.00 $ 333,333.33 $ 349,333.33
176 $ 1,666,666.67 $ 13,333.33 $ 333,333.33 $ 346,666.67
177 $ 1,333,333.33 $ 10,666.67 $ 333,333.33 $ 344,000.00
178 $ 1,000,000.00 $ 8,000.00 $ 333,333.33 $ 341,333.33
179 $ 666,666.67 $ 5,333.33 $ 333,333.33 $ 338,666.67
180 $ 333,333.33 $ 2,666.67 $ 333,333.33 $ 336,000.00

total $ 43,440,000.00 $ 60,000,000.00 $ 103,440,000.00

E

mo hipotecario de $60 millones a

l. suponga que el banco ofrece
ldos. Construya el cuadro de

60000000
333333.3333333

final
60000000
$ 59,666,666.67
$ 59,333,333.33
$ 59,000,000.00
$ 58,666,666.67
$ 58,333,333.33
$ 58,000,000.00
$ 57,666,666.67
$ 57,333,333.33
$ 57,000,000.00
$ 56,666,666.67
$ 56,333,333.33
$ 56,000,000.00
$ 55,666,666.67
$ 55,333,333.33
$ 55,000,000.00
$ 54,666,666.67
$ 54,333,333.33
$ 54,000,000.00
$ 53,666,666.67
$ 53,333,333.33
$ 53,000,000.00
$ 52,666,666.67
$ 52,333,333.33
$ 52,000,000.00
$ 51,666,666.67
$ 51,333,333.33
$ 51,000,000.00
$ 50,666,666.67
$ 50,333,333.33
$ 50,000,000.00
$ 49,666,666.67
$ 49,333,333.33
$ 49,000,000.00
$ 48,666,666.67
$ 48,333,333.33
$ 48,000,000.00
$ 47,666,666.67
$ 47,333,333.33
$ 47,000,000.00
$ 46,666,666.67
$ 46,333,333.33
$ 46,000,000.00
$ 45,666,666.67
$ 45,333,333.33
$ 45,000,000.00
$ 44,666,666.67
$ 44,333,333.33
$ 44,000,000.00
$ 43,666,666.67
$ 43,333,333.33
$ 43,000,000.00
$ 42,666,666.67
$ 42,333,333.33
$ 42,000,000.00
$ 41,666,666.67
$ 41,333,333.33
$ 41,000,000.00
$ 40,666,666.67
$ 40,333,333.33
$ 40,000,000.00
$ 39,666,666.67
$ 39,333,333.33
$ 39,000,000.00
$ 38,666,666.67
$ 38,333,333.33
$ 38,000,000.00
$ 37,666,666.67
$ 37,333,333.33
$ 37,000,000.00
$ 36,666,666.67
$ 36,333,333.33
$ 36,000,000.00
$ 35,666,666.67
$ 35,333,333.33
$ 35,000,000.00
$ 34,666,666.67
$ 34,333,333.33
$ 34,000,000.00
$ 33,666,666.67
$ 33,333,333.33
$ 33,000,000.00
$ 32,666,666.67
$ 32,333,333.33
$ 32,000,000.00
$ 31,666,666.67
$ 31,333,333.33
$ 31,000,000.00
$ 30,666,666.67
$ 30,333,333.33
$ 30,000,000.00
$ 29,666,666.67
$ 29,333,333.33
$ 29,000,000.00
$ 28,666,666.67
$ 28,333,333.33
$ 28,000,000.00
$ 27,666,666.67
$ 27,333,333.33
$ 27,000,000.00
$ 26,666,666.67
$ 26,333,333.33
$ 26,000,000.00
$ 25,666,666.67
$ 25,333,333.33
$ 25,000,000.00
$ 24,666,666.67
$ 24,333,333.33
$ 24,000,000.00
$ 23,666,666.67
$ 23,333,333.33
$ 23,000,000.00
$ 22,666,666.67
$ 22,333,333.33
$ 22,000,000.00
$ 21,666,666.67
$ 21,333,333.33
$ 21,000,000.00
$ 20,666,666.67
$ 20,333,333.33
$ 20,000,000.00
$ 19,666,666.67
$ 19,333,333.33
$ 19,000,000.00
$ 18,666,666.67
$ 18,333,333.33
$ 18,000,000.00
$ 17,666,666.67
$ 17,333,333.33
$ 17,000,000.00
$ 16,666,666.67
$ 16,333,333.33
$ 16,000,000.00
$ 15,666,666.67
$ 15,333,333.33
$ 15,000,000.00
$ 14,666,666.67
$ 14,333,333.33
$ 14,000,000.00
$ 13,666,666.67
$ 13,333,333.33
$ 13,000,000.00
$ 12,666,666.67
$ 12,333,333.33
$ 12,000,000.00
$ 11,666,666.67
$ 11,333,333.33
$ 11,000,000.00
$ 10,666,666.67
$ 10,333,333.33
$ 10,000,000.00
$ 9,666,666.67
$ 9,333,333.33
$ 9,000,000.00
$ 8,666,666.67
$ 8,333,333.33
$ 8,000,000.00
$ 7,666,666.67
$ 7,333,333.33
$ 7,000,000.00
$ 6,666,666.67
$ 6,333,333.33
$ 6,000,000.00
$ 5,666,666.67
$ 5,333,333.33
$ 5,000,000.00
$ 4,666,666.67
$ 4,333,333.33
$ 4,000,000.00
$ 3,666,666.67
$ 3,333,333.33
$ 3,000,000.00
$ 2,666,666.67
$ 2,333,333.33
$ 2,000,000.00
$ 1,666,666.67
$ 1,333,333.33
$ 1,000,000.00
$ 666,666.67
$ 333,333.33
$ (0.00)