S= 2,651,221.

40
P= 450,000.00
i anual = 36.000%
periodos / año= 12
iperiodo = 3.000% mensual
CAT o GAT = 42.5761%
n= 60 meses

Sumas 2,201,221.40
n Cii Interés Cif
1 1 450,000.00 13,500.00 463,500.00
2 2 463,500.00 13,905.00 477,405.00
3 3 477,405.00 14,322.15 491,727.15
4 4 491,727.15 14,751.81 506,478.96
5 5 506,478.96 15,194.37 521,673.33
6 6 521,673.33 15,650.20 537,323.53
7 7 537,323.53 16,119.71 553,443.24
8 8 553,443.24 16,603.30 570,046.54
9 9 570,046.54 17,101.40 587,147.94
10 10 587,147.94 17,614.44 604,762.38
11 11 604,762.38 18,142.87 622,905.25
12 12 622,905.25 18,687.16 641,592.41
13 13 641,592.41 19,247.77 660,840.18
14 14 660,840.18 19,825.21 680,665.39
15 15 680,665.39 20,419.96 701,085.35
16 16 701,085.35 21,032.56 722,117.91
17 17 722,117.91 21,663.54 743,781.45
18 18 743,781.45 22,313.44 766,094.89
19 19 766,094.89 22,982.85 789,077.74
20 20 789,077.74 23,672.33 812,750.07
21 21 812,750.07 24,382.50 837,132.57
22 22 837,132.57 25,113.98 862,246.55
23 23 862,246.55 25,867.40 888,113.95
24 24 888,113.95 26,643.42 914,757.37
25 25 914,757.37 27,442.72 942,200.09
26 26 942,200.09 28,266.00 970,466.09
27 27 970,466.09 29,113.98 999,580.07
28 28 999,580.07 29,987.40 1,029,567.47
29 29 1,029,567.47 30,887.02 1,060,454.49
30 30 1,060,454.49 31,813.63 1,092,268.12
31 31 1,092,268.12 32,768.04 1,125,036.16
32 32 1,125,036.16 33,751.08 1,158,787.24
33 33 1,158,787.24 34,763.62 1,193,550.86
34 34 1,193,550.86 35,806.53 1,229,357.39
35 35 1,229,357.39 36,880.72 1,266,238.11
36 36 1,266,238.11 37,987.14 1,304,225.25
37 37 1,304,225.25 39,126.76 1,343,352.01
38 38 1,343,352.01 40,300.56 1,383,652.57
39 39 1,383,652.57 41,509.58 1,425,162.15
40 40 1,425,162.15 42,754.86 1,467,917.01
41 41 1,467,917.01 44,037.51 1,511,954.52
42 42 1,511,954.52 45,358.64 1,557,313.16
43 43 1,557,313.16 46,719.39 1,604,032.55
44 44 1,604,032.55 48,120.98 1,652,153.53
45 45 1,652,153.53 49,564.61 1,701,718.14
46 46 1,701,718.14 51,051.54 1,752,769.68
47 47 1,752,769.68 52,583.09 1,805,352.77
48 48 1,805,352.77 54,160.58 1,859,513.35
49 49 1,859,513.35 55,785.40 1,915,298.75
50 50 1,915,298.75 57,458.96 1,972,757.71
51 51 1,972,757.71 59,182.73 2,031,940.44
52 52 2,031,940.44 60,958.21 2,092,898.65
53 53 2,092,898.65 62,786.96 2,155,685.61
54 54 2,155,685.61 64,670.57 2,220,356.18
55 55 2,220,356.18 66,610.69 2,286,966.87
56 56 2,286,966.87 68,609.01 2,355,575.88
57 57 2,355,575.88 70,667.28 2,426,243.16
58 58 2,426,243.16 72,787.29 2,499,030.45
59 59 2,499,030.45 74,970.91 2,574,001.36
60 60 2,574,001.36 77,220.04 2,651,221.40
 S= 1,000.00
P= 887.45
i anual = 12.000%
periodos / año= 12
iperiodo = 1.000% mensual
CAT o GAT = 12.6825%
n= 12 meses

Sumas 112.53
n Cii Interés Cif
1 1 887.45 8.87 896.32
2 2 896.32 8.96 905.28
3 3 905.28 9.05 914.33
4 4 914.33 9.14 923.47
5 5 923.47 9.23 932.70
6 6 932.70 9.33 942.03
7 7 942.03 9.42 951.45
8 8 951.45 9.51 960.96
9 9 960.96 9.61 970.57
10 10 970.57 9.71 980.28
11 11 980.28 9.80 990.08
12 12 990.08 9.90 999.98
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
 S= 46,278.07 0 Anticipadas
R= 3,700.00 Anualidades: 2 Vencidas
i anual = 9.000%
periodos / año= 12
iperiodo = 0.750% mensual
CAT o GAT = 9.3807%
n= 12 meses

Sumas 1,878.10 44,400.00

n Cii Interés Capital Acumulado Anualidad
1 1 - - - 3,700.00
2 2 3,700.00 27.75 3,727.75 3,700.00
3 3 7,427.75 55.71 7,483.46 3,700.00
4 4 11,183.46 83.88 11,267.34 3,700.00
5 5 14,967.34 112.26 15,079.60 3,700.00
6 6 18,779.60 140.85 18,920.45 3,700.00
7 7 22,620.45 169.65 22,790.10 3,700.00
8 8 26,490.10 198.68 26,688.78 3,700.00
9 9 30,388.78 227.92 30,616.70 3,700.00
10 10 34,316.70 257.38 34,574.08 3,700.00
11 11 38,274.08 287.06 38,561.14 3,700.00
12 12 42,261.14 316.96 42,578.10 3,700.00
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
 46,278.10
Aportación al Fondo Cif
3,700.00 3,700.00
3,727.75 7,427.75
3,755.71 11,183.46
3,783.88 14,967.34
3,812.26 18,779.60
3,840.85 22,620.45
3,869.65 26,490.10
3,898.68 30,388.78
3,927.92 34,316.70
3,957.38 38,274.08
3,987.06 42,261.14
4,016.96 46,278.10
 S= 100,000.00 1 Anticipadas
R= 7,806.81 Anualidades: 1 Vencidas
i anual = 12.000%
periodos / año= 12
iperiodo = 1.000% mensual
CAT o GAT = 12.6825%
n= 12 meses

Sumas 93,681.73 6,318.29

n Cii Anualidad Capital Acumulado Interés
1 1 - 7,806.81 7,806.81 78.07
2 2 7,884.88 7,806.81 15,691.69 156.92
3 3 15,848.61 7,806.81 23,655.42 236.55
4 4 23,891.97 7,806.81 31,698.78 316.99
5 5 32,015.77 7,806.81 39,822.58 398.23
6 6 40,220.81 7,806.81 48,027.62 480.28
7 7 48,507.90 7,806.81 56,314.71 563.15
8 8 56,877.86 7,806.81 64,684.67 646.85
9 9 65,331.52 7,806.81 73,138.33 731.38
10 10 73,869.71 7,806.81 81,676.52 816.77
11 11 82,493.29 7,806.81 90,300.10 903.00
12 12 91,203.10 7,806.81 99,009.91 990.10
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
93,681.73 6,318.29
 100,000.02
Aportación al Fondo Cif
7,884.88 7,884.88
7,963.73 15,848.61
8,043.36 23,891.97
8,123.80 32,015.77
8,205.04 40,220.81
8,287.09 48,507.90
8,369.96 56,877.86
8,453.66 65,331.52
8,538.19 73,869.71
8,623.58 82,493.29
8,709.81 91,203.10
8,796.91 100,000.01
100,000.02
 P= 11,255.08
R= 1,000.00
i anual = 12.000%
periodos / año= 12
iperiodo = 1.000% mensual
CAT o GAT = 12.6825%
n= 12 meses
y= 0 meses
Suma 744.91 12,000.00
n' n Cii Interés Capital Acumulado Anualidad
1 12 1 11,255.08 112.55 11,367.63 1,000.00
2 11 2 10,367.63 103.68 10,471.31 1,000.00
3 10 3 9,471.31 94.71 9,566.02 1,000.00
4 9 4 8,566.02 85.66 8,651.68 1,000.00
5 8 5 7,651.68 76.52 7,728.20 1,000.00
6 7 6 6,728.20 67.28 6,795.48 1,000.00
7 6 7 5,795.48 57.95 5,853.43 1,000.00
8 5 8 4,853.43 48.53 4,901.96 1,000.00
9 4 9 3,901.96 39.02 3,940.98 1,000.00
10 3 10 2,940.98 29.41 2,970.39 1,000.00
11 2 11 1,970.39 19.70 1,990.09 1,000.00
12 1 12 990.09 9.90 999.99 1,000.00
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
 11,255.09
Amortización Cif
887.45 10,367.63
896.32 9,471.31
905.29 8,566.02
914.34 7,651.68
923.48 6,728.20
932.72 5,795.48
942.05 4,853.43
951.47 3,901.96
960.98 2,940.98
970.59 1,970.39
980.30 990.09
990.10 - 0.01
 P= 100,000.00 Constantes
R (Constantes) = 7,899.33 Anualidades Crecientes Decrecientes
i anual = 48.000% 3 Crecientes
periodos / año= 12
iperiodo = 4.000% mensual
CAT o GAT = 60.1032%
n= 18 meses
y= 0 meses
Suma 48,173.52 148,173.52
n' n Cii Interés Capital Acumulado Anualidad
1 18 1 100,000.00 4,000.00 104,000.00 5,777.78
2 17 2 98,222.22 3,928.89 102,151.11 6,008.89
3 16 3 96,142.22 3,845.69 99,987.91 6,249.24
4 15 4 93,738.67 3,749.55 97,488.22 6,499.21
5 14 5 90,989.01 3,639.56 94,628.57 6,759.18
6 13 6 87,869.39 3,514.78 91,384.17 7,029.55
7 12 7 84,354.62 3,374.18 87,728.80 7,310.73
8 11 8 80,418.07 3,216.72 83,634.79 7,603.16
9 10 9 76,031.63 3,041.27 79,072.90 7,907.29
10 9 10 71,165.61 2,846.62 74,012.23 8,223.58
11 8 11 65,788.65 2,631.55 68,420.20 8,552.53
12 7 12 59,867.67 2,394.71 62,262.38 8,894.63
13 6 13 53,367.75 2,134.71 55,502.46 9,250.41
14 5 14 46,252.05 1,850.08 48,102.13 9,620.43
15 4 15 38,481.70 1,539.27 40,020.97 10,005.24
16 3 16 30,015.73 1,200.63 31,216.36 10,405.45
17 2 17 20,810.91 832.44 21,643.35 10,821.68
18 1 18 10,821.67 432.87 11,254.54 11,254.54
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
 100,000.00
Amortización Cif
1,777.78 98,222.22
2,080.00 96,142.22
2,403.55 93,738.67
2,749.66 90,989.01
3,119.62 87,869.39
3,514.77 84,354.62
3,936.55 80,418.07
4,386.44 76,031.63
4,866.02 71,165.61
5,376.96 65,788.65
5,920.98 59,867.67
6,499.92 53,367.75
7,115.70 46,252.05
7,770.35 38,481.70
8,465.97 30,015.73
9,204.82 20,810.91
9,989.24 10,821.67
10,821.67 -