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CRONOGRAMA DE PAGOS

Préstamo hipotecario
Valor del inmueble : 280000 TEA 9.50%
Valor del préstamo 90% 252000 TEM 0.76%
Seguro desgravamen 20 soles al mes
Seguro de inmueble 0.015%
Plazo 15 años 180 meses
Cuotas mensuales
Elaborando el cronograma

n (periodo) saldo amortización Interés Cuota Seg. Desgr


0 252000.00
1 251340.62 659.38 1913.07 2572.44 20
2 250676.24 664.38 1908.06 2572.44 20
3 250006.81 669.43 1903.02 2572.44 20
4 249332.30 674.51 1897.94 2572.44 20
5 248652.67 679.63 1892.81 2572.44 20
6 247967.88 684.79 1887.66 2572.44 20
7 247277.90 689.99 1882.46 2572.44 20
8 246582.67 695.23 1877.22 2572.44 20
9 245882.17 700.50 1871.94 2572.44 20
10 245176.35 705.82 1866.62 2572.44 20
11 244465.17 711.18 1861.26 2572.44 20
12 243748.59 716.58 1855.87 2572.44 20
13 243026.57 722.02 1850.43 2572.44 20
14 242299.07 727.50 1844.94 2572.44 20
15 241566.05 733.02 1839.42 2572.44 20
16 240827.46 738.59 1833.86 2572.44 20
17 240083.27 744.19 1828.25 2572.44 20
18 239333.42 749.84 1822.60 2572.44 20
19 238577.89 755.54 1816.91 2572.44 20
20 237816.61 761.27 1811.17 2572.44 20
21 237049.56 767.05 1805.39 2572.44 20
22 236276.69 772.87 1799.57 2572.44 20
23 235497.95 778.74 1793.70 2572.44 20
24 234713.29 784.65 1787.79 2572.44 20
25 233922.68 790.61 1781.83 2572.44 20
26 233126.07 796.61 1775.83 2572.44 20
27 232323.41 802.66 1769.78 2572.44 20
28 231514.66 808.75 1763.69 2572.44 20
29 230699.77 814.89 1757.55 2572.44 20
30 229878.69 821.08 1751.37 2572.44 20
31 229051.37 827.31 1745.13 2572.44 20
32 228217.78 833.59 1738.85 2572.44 20
33 227377.86 839.92 1732.52 2572.44 20
34 226531.56 846.30 1726.15 2572.44 20
35 225678.84 852.72 1719.72 2572.44 20
36 224819.65 859.20 1713.25 2572.44 20
37 223953.93 865.72 1706.73 2572.44 20
38 223081.64 872.29 1700.15 2572.44 20
39 222202.72 878.91 1693.53 2572.44 20
40 221317.14 885.58 1686.86 2572.44 20
41 220424.83 892.31 1680.14 2572.44 20
42 219525.75 899.08 1673.36 2572.44 20
43 218619.84 905.91 1666.54 2572.44 20
44 217707.06 912.78 1659.66 2572.44 20
45 216787.35 919.71 1652.73 2572.44 20
46 215860.65 926.70 1645.75 2572.44 20
47 214926.92 933.73 1638.71 2572.44 20
48 213986.10 940.82 1631.63 2572.44 20
49 213038.14 947.96 1624.48 2572.44 20
50 212082.98 955.16 1617.29 2572.44 20
51 211120.57 962.41 1610.04 2572.44 20
52 210150.86 969.72 1602.73 2572.44 20
53 209173.78 977.08 1595.37 2572.44 20
54 208189.29 984.49 1587.95 2572.44 20
55 207197.32 991.97 1580.48 2572.44 20
56 206197.82 999.50 1572.95 2572.44 20
57 205190.73 1007.09 1565.36 2572.44 20
58 204176.00 1014.73 1557.71 2572.44 20
59 203153.57 1022.44 1550.01 2572.44 20
60 202123.37 1030.20 1542.25 2572.44 20
61 201085.35 1038.02 1534.43 2572.44 20
62 200039.45 1045.90 1526.55 2572.44 20
63 198985.62 1053.84 1518.61 2572.44 20
64 197923.78 1061.84 1510.61 2572.44 20
65 196853.88 1069.90 1502.55 2572.44 20
66 195775.86 1078.02 1494.42 2572.44 20
67 194689.65 1086.21 1486.24 2572.44 20
68 193595.20 1094.45 1477.99 2572.44 20
69 192492.44 1102.76 1469.68 2572.44 20
70 191381.31 1111.13 1461.31 2572.44 20
71 190261.74 1119.57 1452.88 2572.44 20
72 189133.68 1128.07 1444.38 2572.44 20
73 187997.05 1136.63 1435.81 2572.44 20
74 186851.79 1145.26 1427.19 2572.44 20
75 185697.84 1153.95 1418.49 2572.44 20
76 184535.13 1162.71 1409.73 2572.44 20
77 183363.59 1171.54 1400.90 2572.44 20
78 182183.15 1180.43 1392.01 2572.44 20
79 180993.76 1189.39 1383.05 2572.44 20
80 179795.33 1198.42 1374.02 2572.44 20
81 178587.81 1207.52 1364.92 2572.44 20
82 177371.12 1216.69 1355.76 2572.44 20
83 176145.20 1225.93 1346.52 2572.44 20
84 174909.97 1235.23 1337.21 2572.44 20
85 173665.36 1244.61 1327.84 2572.44 20
86 172411.30 1254.06 1318.39 2572.44 20
87 171147.72 1263.58 1308.87 2572.44 20
88 169874.55 1273.17 1299.27 2572.44 20
89 168591.72 1282.84 1289.61 2572.44 20
90 167299.14 1292.57 1279.87 2572.44 20
91 165996.75 1302.39 1270.06 2572.44 20
92 164684.48 1312.27 1260.17 2572.44 20
93 163362.24 1322.24 1250.21 2572.44 20
94 162029.97 1332.27 1240.17 2572.44 20
95 160687.58 1342.39 1230.06 2572.44 20
96 159335.00 1352.58 1219.87 2572.44 20
97 157972.15 1362.85 1209.60 2572.44 20
98 156598.96 1373.19 1199.25 2572.44 20
99 155215.34 1383.62 1188.83 2572.44 20
100 153821.22 1394.12 1178.32 2572.44 20
101 152416.52 1404.71 1167.74 2572.44 20
102 151001.15 1415.37 1157.08 2572.44 20
103 149575.03 1426.11 1146.33 2572.44 20
104 148138.09 1436.94 1135.50 2572.44 20
105 146690.25 1447.85 1124.60 2572.44 20
106 145231.40 1458.84 1113.60 2572.44 20
107 143761.49 1469.92 1102.53 2572.44 20
108 142280.42 1481.07 1091.37 2572.44 20
109 140788.10 1492.32 1080.13 2572.44 20
110 139284.45 1503.65 1068.80 2572.44 20
111 137769.39 1515.06 1057.38 2572.44 20
112 136242.83 1526.56 1045.88 2572.44 20
113 134704.67 1538.15 1034.29 2572.44 20
114 133154.85 1549.83 1022.62 2572.44 20
115 131593.25 1561.59 1010.85 2572.44 20
116 130019.80 1573.45 998.99 2572.44 20
117 128434.41 1585.39 987.05 2572.44 20
118 126836.98 1597.43 975.01 2572.44 20
119 125227.42 1609.56 962.89 2572.44 20
120 123605.64 1621.78 950.67 2572.44 20
121 121971.56 1634.09 938.36 2572.44 20
122 120325.06 1646.49 925.95 2572.44 20
123 118666.07 1658.99 913.45 2572.44 20
124 116994.48 1671.59 900.86 2572.44 20
125 115310.21 1684.28 888.17 2572.44 20
126 113613.15 1697.06 875.38 2572.44 20
127 111903.20 1709.95 862.50 2572.44 20
128 110180.27 1722.93 849.52 2572.44 20
129 108444.26 1736.01 836.44 2572.44 20
130 106695.08 1749.19 823.26 2572.44 20
131 104932.61 1762.46 809.98 2572.44 20
132 103156.77 1775.84 796.60 2572.44 20
133 101367.44 1789.33 783.12 2572.44 20
134 99564.53 1802.91 769.53 2572.44 20
135 97747.94 1816.60 755.85 2572.44 20
136 95917.55 1830.39 742.06 2572.44 20
137 94073.27 1844.28 728.16 2572.44 20
138 92214.98 1858.28 714.16 2572.44 20
139 90342.59 1872.39 700.05 2572.44 20
140 88455.99 1886.61 685.84 2572.44 20
141 86555.06 1900.93 671.52 2572.44 20
142 84639.70 1915.36 657.09 2572.44 20
143 82709.80 1929.90 642.55 2572.44 20
144 80765.25 1944.55 627.89 2572.44 20
145 78805.94 1959.31 613.13 2572.44 20
146 76831.75 1974.19 598.26 2572.44 20
147 74842.58 1989.17 583.27 2572.44 20
148 72838.31 2004.27 568.17 2572.44 20
149 70818.82 2019.49 552.95 2572.44 20
150 68783.99 2034.82 537.62 2572.44 20
151 66733.73 2050.27 522.18 2572.44 20
152 64667.89 2065.83 506.61 2572.44 20
153 62586.38 2081.52 490.93 2572.44 20
154 60489.06 2097.32 475.13 2572.44 20
155 58375.82 2113.24 459.20 2572.44 20
156 56246.54 2129.28 443.16 2572.44 20
157 54101.09 2145.45 427.00 2572.44 20
158 51939.36 2161.73 410.71 2572.44 20
159 49761.21 2178.14 394.30 2572.44 20
160 47566.53 2194.68 377.76 2572.44 20
161 45355.19 2211.34 361.10 2572.44 20
162 43127.06 2228.13 344.32 2572.44 20
163 40882.02 2245.04 327.40 2572.44 20
164 38619.93 2262.09 310.36 2572.44 20
165 36340.67 2279.26 293.18 2572.44 20
166 34044.11 2296.56 275.88 2572.44 20
167 31730.11 2314.00 258.45 2572.44 20
168 29398.55 2331.56 240.88 2572.44 20
169 27049.28 2349.26 223.18 2572.44 20
170 24682.19 2367.10 205.35 2572.44 20
171 22297.12 2385.07 187.38 2572.44 20
172 19893.94 2403.17 169.27 2572.44 20
173 17472.52 2421.42 151.03 2572.44 20
174 15032.72 2439.80 132.64 2572.44 20
175 12574.40 2458.32 114.12 2572.44 20
176 10097.42 2476.99 95.46 2572.44 20
177 7601.63 2495.79 76.65 2572.44 20
178 5086.89 2514.74 57.71 2572.44 20
179 2553.06 2533.83 38.62 2572.44 20
180 0.00 2553.06 19.38 2572.44 20
I total
252000.00 211039.96 463039.96

Cuál es el saldo de la deuda en el mes 85 173665.36

Cuánto de interés se pagó entre los meses 50 y 78 43745.90

Si le hacemos un prepago de 50000 soles luego de pagar la cuota 85, cuál será mi nueva cuota?
n = 180 -85= 95 Saldo 173665.36
n (periodo) saldo amortización Interés Cuota
0 123665.36
1 122772.36 893.00 938.81 1831.81
2 121872.57 899.78 932.03 1831.81
3 120965.96 906.61 925.20 1831.81
4 120052.47 913.49 918.32 1831.81
5 119132.04 920.43 911.38 1831.81
6 118204.62 927.42 904.39 1831.81
7 117270.16 934.46 897.35 1831.81
8 116328.61 941.55 890.26 1831.81
9 115379.91 948.70 883.11 1831.81
10 114424.01 955.90 875.91 1831.81
11 113460.85 963.16 868.65 1831.81
12 112490.39 970.47 861.34 1831.81
13 111512.55 977.84 853.97 1831.81
14 110527.29 985.26 846.55 1831.81
15 109534.55 992.74 839.07 1831.81
16 108534.27 1000.28 831.54 1831.81
17 107526.40 1007.87 823.94 1831.81
18 106510.88 1015.52 816.29 1831.81
19 105487.65 1023.23 808.58 1831.81
20 104456.65 1031.00 800.81 1831.81
21 103417.83 1038.83 792.99 1831.81
22 102371.11 1046.71 785.10 1831.81
23 101316.46 1054.66 777.15 1831.81
24 100253.79 1062.66 769.15 1831.81
25 99183.06 1070.73 761.08 1831.81
26 98104.20 1078.86 752.95 1831.81
27 97017.15 1087.05 744.76 1831.81
28 95921.85 1095.30 736.51 1831.81
29 94818.23 1103.62 728.19 1831.81
30 93706.23 1112.00 719.82 1831.81
31 92585.80 1120.44 711.37 1831.81
32 91456.85 1128.94 702.87 1831.81
33 90319.34 1137.51 694.30 1831.81
34 89173.19 1146.15 685.66 1831.81
35 88018.34 1154.85 676.96 1831.81
36 86854.72 1163.62 668.19 1831.81
37 85682.27 1172.45 659.36 1831.81
38 84500.92 1181.35 650.46 1831.81
39 83310.60 1190.32 641.49 1831.81
40 82111.24 1199.36 632.46 1831.81
41 80902.78 1208.46 623.35 1831.81
42 79685.14 1217.64 614.18 1831.81
43 78458.27 1226.88 604.93 1831.81
44 77222.07 1236.19 595.62 1831.81
45 75976.49 1245.58 586.23 1831.81
46 74721.46 1255.03 576.78 1831.81
47 73456.90 1264.56 567.25 1831.81
48 72182.74 1274.16 557.65 1831.81
49 70898.90 1283.83 547.98 1831.81
50 69605.32 1293.58 538.23 1831.81
51 68301.92 1303.40 528.41 1831.81
52 66988.63 1313.30 518.52 1831.81
53 65665.36 1323.27 508.55 1831.81
54 64332.05 1333.31 498.50 1831.81
55 62988.62 1343.43 488.38 1831.81
56 61634.99 1353.63 478.18 1831.81
57 60271.08 1363.91 467.90 1831.81
58 58896.82 1374.26 457.55 1831.81
59 57512.12 1384.69 447.12 1831.81
60 56116.92 1395.21 436.61 1831.81
61 54711.12 1405.80 426.01 1831.81
62 53294.65 1416.47 415.34 1831.81
63 51867.43 1427.22 404.59 1831.81
64 50429.37 1438.06 393.75 1831.81
65 48980.39 1448.98 382.84 1831.81
66 47520.42 1459.98 371.84 1831.81
67 46049.36 1471.06 360.75 1831.81
68 44567.13 1482.23 349.59 1831.81
69 43073.65 1493.48 338.33 1831.81
70 41568.84 1504.82 327.00 1831.81
71 40052.60 1516.24 315.57 1831.81
72 38524.84 1527.75 304.06 1831.81
73 36985.50 1539.35 292.46 1831.81
74 35434.46 1551.04 280.78 1831.81
75 33871.65 1562.81 269.00 1831.81
76 32296.98 1574.67 257.14 1831.81
77 30710.35 1586.63 245.18 1831.81
78 29111.68 1598.67 233.14 1831.81
79 27500.87 1610.81 221.00 1831.81
80 25877.83 1623.04 208.77 1831.81
81 24242.47 1635.36 196.45 1831.81
82 22594.69 1647.77 184.04 1831.81
83 20934.41 1660.28 171.53 1831.81
84 19261.52 1672.89 158.92 1831.81
85 17575.94 1685.59 146.22 1831.81
86 15877.55 1698.38 133.43 1831.81
87 14166.28 1711.28 120.53 1831.81
88 12442.01 1724.27 107.54 1831.81
89 10704.65 1737.36 94.45 1831.81
90 8954.10 1750.55 81.26 1831.81
91 7190.27 1763.84 67.98 1831.81
92 5413.04 1777.23 54.59 1831.81
93 3622.32 1790.72 41.09 1831.81
94 1818.01 1804.31 27.50 1831.81
95 0.00 1818.01 13.80 1831.81

Cuántos meses se debería pagar manteniendo la cuota inicial luego del prepago
Saldo luego del prepago 123665.36
TEM 0.76%
Cuota 2634.44
n =???? 58.2603757 meses

Ejemplo 2 Valor de préstamo 150000


TEB 1.98%
n 6
Determine el total de intereses
n 72
Cuota 2918.64
VF 210142.423426714
Seg. Inmue. Cuota final Flujo
-252000.00
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44
42 2634.44 2634.44 TCEM 0.79%
Tasa de costo efectiva mensual
474199.96 TCEA 9.95%

será mi nueva cuota?


TEM 0.76% Nuevo saldo 123665.36
Seg. Desgr Seg. Inmue. Cuota final

20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81
20 42 1893.81

cial luego del prepago

TEM 0.99%
años

meses

I= 60142.4234