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ANUALIDADES R

Prestamo $ 85,000,000
plazo 5 años
Tasa 23.80% Abv
Cuota fijas mensuales
cuota $ 2,424,037

periodo saldo inicial intereses


0 $ 85,000,000
1 $ 85,000,000 $ 1,669,439
2 $ 84,245,402 $ 1,654,618
3 $ 83,475,983 $ 1,639,507
4 $ 82,691,453 $ 1,624,098
5 $ 81,891,514 $ 1,608,387
6 $ 81,075,864 $ 1,592,367
7 $ 80,244,194 $ 1,576,033
8 $ 79,396,190 $ 1,559,378
9 $ 78,531,530 $ 1,542,395
10 $ 77,649,889 $ 1,525,079
11 $ 76,750,931 $ 1,507,424
12 $ 75,834,318 $ 1,489,421
13 $ 74,899,701 $ 1,471,065
14 $ 73,946,729 $ 1,452,348
15 $ 72,975,040 $ 1,433,263
16 $ 71,984,266 $ 1,413,804
17 $ 70,974,033 $ 1,393,963
18 $ 69,943,958 $ 1,373,731
19 $ 68,893,653 $ 1,353,103
20 $ 67,822,719 $ 1,332,069
21 $ 66,730,751 $ 1,310,623
22 $ 65,617,336 $ 1,288,755
23 $ 64,482,054 $ 1,266,457
24 $ 63,324,474 $ 1,243,722
25 $ 62,144,159 $ 1,220,540
26 $ 60,940,662 $ 1,196,903
27 $ 59,713,527 $ 1,172,801
28 $ 58,462,291 $ 1,148,226
29 $ 57,186,480 $ 1,123,169
30 $ 55,885,612 $ 1,097,619
31 $ 54,559,194 $ 1,071,568
32 $ 53,206,725 $ 1,045,005
33 $ 51,827,692 $ 1,017,920
34 $ 50,421,575 $ 990,303
35 $ 48,987,841 $ 962,144
36 $ 47,525,947 $ 933,431
37 $ 46,035,342 $ 904,155
38 $ 44,515,460 $ 874,304
39 $ 42,965,727 $ 843,867
40 $ 41,385,556 $ 812,831
41 $ 39,774,351 $ 781,187
42 $ 38,131,500 $ 748,920
43 $ 36,456,383 $ 716,020
44 $ 34,748,366 $ 682,474
45 $ 33,006,803 $ 648,269
46 $ 31,231,035 $ 613,392
47 $ 29,420,390 $ 577,830
48 $ 27,574,182 $ 541,570
49 $ 25,691,715 $ 504,597
50 $ 23,772,275 $ 466,898
51 $ 21,815,136 $ 428,459
52 $ 19,819,559 $ 389,265
53 $ 17,784,787 $ 349,301
54 $ 15,710,051 $ 308,553
55 $ 13,594,567 $ 267,004
56 $ 11,437,533 $ 224,638
57 $ 9,238,134 $ 181,441
58 $ 6,995,539 $ 137,396
59 $ 4,708,897 $ 92,485
60 $ 2,377,345 $ 46,692
60 meses
1.96% mv

1 bim 2m
X 1m

cuota fija ab a capital saldo final


$ 85,000,000
$ 2,424,037 $ 754,598 $ 84,245,402
$ 2,424,037 $ 769,419 $ 83,475,983
$ 2,424,037 $ 784,530 $ 82,691,453
$ 2,424,037 $ 799,939 $ 81,891,514
$ 2,424,037 $ 815,650 $ 81,075,864
$ 2,424,037 $ 831,670 $ 80,244,194
$ 2,424,037 $ 848,004 $ 79,396,190
$ 2,424,037 $ 864,659 $ 78,531,530
$ 2,424,037 $ 881,642 $ 77,649,889
$ 2,424,037 $ 898,958 $ 76,750,931
$ 2,424,037 $ 916,614 $ 75,834,318
$ 2,424,037 $ 934,616 $ 74,899,701
$ 2,424,037 $ 952,973 $ 73,946,729
$ 2,424,037 $ 971,689 $ 72,975,040
$ 2,424,037 $ 990,774 $ 71,984,266
$ 2,424,037 $ 1,010,233 $ 70,974,033
$ 2,424,037 $ 1,030,074 $ 69,943,958
$ 2,424,037 $ 1,050,306 $ 68,893,653
$ 2,424,037 $ 1,070,934 $ 67,822,719
$ 2,424,037 $ 1,091,968 $ 66,730,751
$ 2,424,037 $ 1,113,414 $ 65,617,336
$ 2,424,037 $ 1,135,282 $ 64,482,054
$ 2,424,037 $ 1,157,580 $ 63,324,474
$ 2,424,037 $ 1,180,315 $ 62,144,159
$ 2,424,037 $ 1,203,497 $ 60,940,662
$ 2,424,037 $ 1,227,134 $ 59,713,527
$ 2,424,037 $ 1,251,236 $ 58,462,291
$ 2,424,037 $ 1,275,811 $ 57,186,480
$ 2,424,037 $ 1,300,868 $ 55,885,612
$ 2,424,037 $ 1,326,418 $ 54,559,194
$ 2,424,037 $ 1,352,469 $ 53,206,725
$ 2,424,037 $ 1,379,033 $ 51,827,692
$ 2,424,037 $ 1,406,117 $ 50,421,575
$ 2,424,037 $ 1,433,734 $ 48,987,841
$ 2,424,037 $ 1,461,893 $ 47,525,947
$ 2,424,037 $ 1,490,606 $ 46,035,342
$ 2,424,037 $ 1,519,882 $ 44,515,460
$ 2,424,037 $ 1,549,733 $ 42,965,727
$ 2,424,037 $ 1,580,170 $ 41,385,556
$ 2,424,037 $ 1,611,206 $ 39,774,351
$ 2,424,037 $ 1,642,851 $ 38,131,500
$ 2,424,037 $ 1,675,117 $ 36,456,383
$ 2,424,037 $ 1,708,017 $ 34,748,366
$ 2,424,037 $ 1,741,563 $ 33,006,803
$ 2,424,037 $ 1,775,768 $ 31,231,035
$ 2,424,037 $ 1,810,645 $ 29,420,390
$ 2,424,037 $ 1,846,207 $ 27,574,182
$ 2,424,037 $ 1,882,467 $ 25,691,715
$ 2,424,037 $ 1,919,440 $ 23,772,275
$ 2,424,037 $ 1,957,139 $ 21,815,136
$ 2,424,037 $ 1,995,578 $ 19,819,559
$ 2,424,037 $ 2,034,772 $ 17,784,787
$ 2,424,037 $ 2,074,736 $ 15,710,051
$ 2,424,037 $ 2,115,484 $ 13,594,567
$ 2,424,037 $ 2,157,034 $ 11,437,533
$ 2,424,037 $ 2,199,399 $ 9,238,134
$ 2,424,037 $ 2,242,596 $ 6,995,539
$ 2,424,037 $ 2,286,641 $ 4,708,897
$ 2,424,037 $ 2,331,552 $ 2,377,345
$ 2,424,037 $ 2,377,345 $ 0
Prestamo $ 65,000,000.00
plazo 3 años
tasa 18% EA
cuota fija mensual $ 2,306,640.74

Dos abonos extras

1er abono mes 8 $ 1,500,000


2doabono mes 28 $ 4,000,000

F = P(1+i)^t formula general del interes compuesto

P= F / (1 + i )^t
P1 $ 1,343,290
P2 $ 2,718,537

PT $ 60,938,172
plazo 36 meses
tasa 1.4% mv
cuota fija mensual $ 2,162,500

periodo saldo inicial intereses


1 $ 65,000,000.00 $ 902,747.97
2 $ 63,740,248.43 $ 885,252.00
3 $ 62,463,000.88 $ 867,513.04
4 $ 61,168,014.37 $ 849,527.71
5 $ 59,855,042.53 $ 831,292.59
6 $ 58,523,835.58 $ 812,804.21
7 $ 57,174,140.25 $ 794,059.06
8 $ 55,805,699.76 $ 775,053.57
9 $ 52,918,253.79 $ 734,951.48
10 $ 51,490,705.73 $ 715,125.08
11 $ 50,043,331.26 $ 695,023.32
12 $ 48,575,855.04 $ 674,642.38
13 $ 47,087,997.87 $ 653,978.38
14 $ 45,579,476.70 $ 633,027.39
15 $ 44,050,004.54 $ 611,785.42
16 $ 42,499,290.42 $ 590,248.43
17 $ 40,927,039.31 $ 568,412.33
18 $ 39,332,952.10 $ 546,272.97
19 $ 37,716,725.52 $ 523,826.12
20 $ 36,078,052.09 $ 501,067.51
21 $ 34,416,620.05 $ 477,992.83
22 $ 32,732,113.34 $ 454,597.68
23 $ 31,024,211.47 $ 430,877.60
24 $ 29,292,589.52 $ 406,828.09
25 $ 27,536,918.07 $ 382,444.57
26 $ 25,756,863.09 $ 357,722.40
27 $ 23,952,085.94 $ 332,656.88
28 $ 22,122,243.27 $ 307,243.23
29 $ 16,266,986.96 $ 225,922.92
30 $ 14,330,410.33 $ 199,026.91
31 $ 12,366,937.69 $ 171,757.35
32 $ 10,376,195.50 $ 144,109.07
33 $ 8,357,805.02 $ 116,076.79
34 $ 6,311,382.27 $ 87,655.19
35 $ 4,236,537.91 $ 58,838.86
36 $ 2,132,877.23 $ 29,622.32
36 meses
1.4% mv

general del interes compuesto

cuota fija ab a capital ab extras saldo final


$ 2,162,499.55 $ 1,259,751.57 $ - $ 63,740,248.43
$ 2,162,499.55 $ 1,277,247.55 $ 62,463,000.88
$ 2,162,499.55 $ 1,294,986.51 $ 61,168,014.37
$ 2,162,499.55 $ 1,312,971.84 $ 59,855,042.53
$ 2,162,499.55 $ 1,331,206.96 $ 58,523,835.58
$ 2,162,499.55 $ 1,349,695.33 $ 57,174,140.25
$ 2,162,499.55 $ 1,368,440.48 $ 55,805,699.76
$ 2,162,499.55 $ 1,387,445.97 $ 1,500,000.00 $ 52,918,253.79
$ 2,162,499.55 $ 1,427,548.06 $ 51,490,705.73
$ 2,162,499.55 $ 1,447,374.47 $ 50,043,331.26
$ 2,162,499.55 $ 1,467,476.23 $ 48,575,855.04
$ 2,162,499.55 $ 1,487,857.17 $ 47,087,997.87
$ 2,162,499.55 $ 1,508,521.17 $ 45,579,476.70
$ 2,162,499.55 $ 1,529,472.16 $ 44,050,004.54
$ 2,162,499.55 $ 1,550,714.13 $ 42,499,290.42
$ 2,162,499.55 $ 1,572,251.11 $ 40,927,039.31
$ 2,162,499.55 $ 1,594,087.21 $ 39,332,952.10
$ 2,162,499.55 $ 1,616,226.58 $ 37,716,725.52
$ 2,162,499.55 $ 1,638,673.43 $ 36,078,052.09
$ 2,162,499.55 $ 1,661,432.03 $ 34,416,620.05
$ 2,162,499.55 $ 1,684,506.72 $ 32,732,113.34
$ 2,162,499.55 $ 1,707,901.87 $ 31,024,211.47
$ 2,162,499.55 $ 1,731,621.95 $ 29,292,589.52
$ 2,162,499.55 $ 1,755,671.46 $ 27,536,918.07
$ 2,162,499.55 $ 1,780,054.98 $ 25,756,863.09
$ 2,162,499.55 $ 1,804,777.15 $ 23,952,085.94
$ 2,162,499.55 $ 1,829,842.67 $ 22,122,243.27
$ 2,162,499.55 $ 1,855,256.31 $ 4,000,000.00 $ 16,266,986.96
$ 2,162,499.55 $ 1,936,576.63 $ 14,330,410.33
$ 2,162,499.55 $ 1,963,472.64 $ 12,366,937.69
$ 2,162,499.55 $ 1,990,742.19 $ 10,376,195.50
$ 2,162,499.55 $ 2,018,390.48 $ 8,357,805.02
$ 2,162,499.55 $ 2,046,422.75 $ 6,311,382.27
$ 2,162,499.55 $ 2,074,844.35 $ 4,236,537.91
$ 2,162,499.55 $ 2,103,660.68 $ 2,132,877.23
$ 2,162,499.55 $ 2,132,877.23 $ -
Gradientes G Sistema de dos cuotas R +G que varian a partir del segundo

R+G

R + 2G

F R((1+i)^t -1 )/i
R P(i(1+i)^t/(1+i)^t -1

GRADIENTES
2 CLASES Gradientes Lineales o Aritmeticos
Gradientes Exponenciales o Geometrico
que varian a partir del segundo periodo de forma incremental o decremental

R - 2G

R + 3G R-G

R +4G
R
Variacion Incremental

Variacion la marca una cantidad "Q" de dinero fija


Variacion la marca un porcentaje "%" fijo
R - 4G

R - 3G

Variacion decremental
GRADIENTE LINEAL

Prestamo $ 5,000,000
tasa 20% Amv 1.67% mv
plazo 6 meses
Variacion $ 60,000 se incrementa a partir del segundo mes

Gradiente lineal

periodo saldo inicial intereses cuota abono acap saldofinal


0 $ 5,000,000 $ 5,000,000
1 $ 5,000,000 $ 83,333 $ 735,506 $ 652,173 $ 4,347,827
2 $ 4,347,827 $ 72,464 $ 795,506 $ 723,042 $ 3,624,785
3 $ 3,624,785 $ 60,413 $ 855,506 $ 795,093 $ 2,829,692
4 $ 2,829,692 $ 47,162 $ 915,506 $ 868,345 $ 1,961,347
5 $ 1,961,347 $ 32,689 $ 975,506 $ 942,817 $ 1,018,531
6 $ 1,018,531 $ 16,976 $ 1,035,506 $ 1,018,531 $ -

Prestamo $ 10,000,000
tasa 22% Abv 1.8% mv
plazo 5 meses
variacion $ 45,000 que se decrementan a partir del segundo periodo

periodo saldo inicial intereses cuota abono acap saldofinal


0 $ 10,000,000 $ 10,000,000
1 $ 10,000,000 $ 181,683 $ 2,198,698 $ 2,017,015 $ 7,982,985
2 $ 7,982,985 $ 145,037 $ 2,153,698 $ 2,008,661 $ 5,974,324
3 $ 5,974,324 $ 108,543 $ 2,108,698 $ 2,000,155 $ 3,974,170
4 $ 3,974,170 $ 72,204 $ 2,063,698 $ 1,991,494 $ 1,982,676
5 $ 1,982,676 $ 36,022 $ 2,018,698 $ 1,982,676 $ -
GRADIENTE EXPONENCIAL

Prestamo $ 9,000,000
Plazo 4 cuotas mensuales
tasa 14% Asv 1.13% mv
variacion 1.20% que incrementa a partir del segundo mes

Gradiente exponencial

periodo saldo inicial intereses cuota abono acap


0 $ 9,000,000
1 $ 9,000,000 $ 102,062 $ 2,273,290 $ 2,171,228
2 $ 6,828,772 $ 77,440 $ 2,300,570 $ 2,223,130
3 $ 4,605,643 $ 52,229 $ 2,328,176 $ 2,275,947
4 $ 2,329,695 $ 26,419 $ 2,356,115 $ 2,329,695

mes1 2273290
mes2 2300569.48
mes3 2328176.31376
mes4 2356114.42953

prestamo $ 8,650,000
tasa 2% mv
plazo 8 cuotasmensuales
variaciones 1.50% decrementan a partirdel segundo mes

periodo saldo inicial intereses cuota abono acap


0 $ 8,650,000.00
1 $ 8,650,000.00 $ 173,000.00 $ 1,242,256.13 $ 1,069,256.13
2 $ 7,580,743.87 $ 151,614.88 $ 1,223,622.29 $ 1,072,007.41
3 $ 6,508,736.45 $ 130,174.73 $ 1,205,267.96 $ 1,075,093.23
4 $ 5,433,643.23 $ 108,672.86 $ 1,187,188.94 $ 1,078,516.07
5 $ 4,355,127.16 $ 87,102.54 $ 1,169,381.10 $ 1,082,278.56
6 $ 3,272,848.60 $ 65,456.97 $ 1,151,840.39 $ 1,086,383.41
7 $ 2,186,465.18 $ 43,729.30 $ 1,134,562.78 $ 1,090,833.48
8 $ 1,095,631.70 $ 21,912.63 $ 1,117,544.34 $ 1,095,631.70
saldofinal
$ 9,000,000
$ 6,828,772
$ 4,605,643
$ 2,329,695
$ -

saldofinal
$ 8,650,000.00
$ 7,580,743.87
$ 6,508,736.45
$ 5,433,643.23
$ 4,355,127.16
$ 3,272,848.60
$ 2,186,465.18
$ 1,095,631.70
$ -

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