PRESTAMO A PLAZO FIJO CON AMORTIZACION VARIABLE

PRESTAMO 1,000.00
TASA MENSUAL 0.15
n 5 MESES
Valor constante 1
PAGOS AL AÑO 5
FACTOR MENSUAL 0.150000 1ERA FORMA

ANUALIDAD DE LA AMORTIZACION

(B10*(B8+B10)^5)

1ERA FORMULA MANUAL 2DA FORMULA FUNCION EXCEL

=PAGO (B10,B7,-B5
1000 0.30170358 S/.298.32
1.01135719
=((B8 + B10)^5-1)

1000 0.29831555

298.315552
4 2 1 3 5
N PRESTAMO INTERES CUOTA AMORT SALDO DEUDA
0 0.150000
1 MES 1,000.00 150.00 298.32 148.32 851.68
1 MES 851.68 127.75 298.32 170.56 681.12
 1 MES 681.12 102.17 298.32 196.15 484.97
1 MES 484.97 72.75 298.32 225.57 259.40
1 MES 259.40 38.91 298.32 259.40 0.00
3277.19 491.58 1491.58 1000.00 2277.19
CTA CARGO 181101 104103
CTA ABONO 451101
DA FORMULA FUNCION EXCEL
=PAGO (B10,B7,-B5)
Préstamo (P): 60,000.00
Tasa Efectiva Anual (i): 15% 0.01171
Plazo (n): 6 meses

2 1 6 4 5 3
FACTOR PLAZO SALDO INTERES AMORTIZACION CUOTA

F1 1M 60,000.00 702.90 9,711.11 ###

F1 1M ### 589.13 9,824.87 ###
F1 1M ### 474.03 9,939.97 ###
F1 1M ### 357.59 10,056.41 ###
F1 1M ### 239.78 10,174.22 ###
F1 1M ### 120.59 10,293.41 ###
S/.2,484.01 S/.60,000.00 ###
TASA 0.0125
NPER 6 Formula convencional
VA 60,000.00
PAGO ###
60000 0.0125628488
0.0723805295

60000 0.1735666884

10,414.00
0.01171492