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Estudiante (s): OLIVERA VILCAPOMA KELLY GABRIELA

Sección: C1
Y GABRIELA

Docente: CPC. Jesús Sachahuamán Flores


PRESTAMOS Y AMORTIZACIONES
Monto: S/. 30,000.00 2.2104%
TEA: 30% Tasa Efectiva Mensual: 2.2104%
Frec.Periodo: Mensual
N° Periodos: 36 Cuota Fija: S/.1,217.13 S/.1,217.13

Método Francés
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/. 30,000.00
1 S/. 30,000.00 S/. 663.13 S/.1,217.13 S/.554.00 S/. 29,446.00
2 S/. 29,446.00 S/. 650.89 S/.1,217.13 S/.566.24 S/. 28,879.76
3 S/. 28,879.76 S/. 638.37 S/.1,217.13 S/.578.76 S/. 28,301.00
4 S/. 28,301.00 S/. 625.58 S/.1,217.13 S/.591.55 S/. 27,709.45
5 S/. 27,709.45 S/. 612.50 S/.1,217.13 S/.604.63 S/. 27,104.82
6 S/. 27,104.82 S/. 599.14 S/.1,217.13 S/.617.99 S/. 26,486.83
7 S/. 26,486.83 S/. 585.48 S/.1,217.13 S/.631.65 S/. 25,855.18
8 S/. 25,855.18 S/. 571.51 S/.1,217.13 S/.645.62 S/. 25,209.56
9 S/. 25,209.56 S/. 557.24 S/.1,217.13 S/.659.89 S/. 24,549.68
10 S/. 24,549.68 S/. 542.66 S/.1,217.13 S/.674.47 S/. 23,875.20
11 S/. 23,875.20 S/. 527.75 S/.1,217.13 S/.689.38 S/. 23,185.82
12 S/. 23,185.82 S/. 512.51 S/.1,217.13 S/.704.62 S/. 22,481.20
13 S/. 22,481.20 S/. 496.93 S/.1,217.13 S/.720.20 S/. 21,761.01
14 S/. 21,761.01 S/. 481.02 S/.1,217.13 S/.736.11 S/. 21,024.89
15 S/. 21,024.89 S/. 464.74 S/.1,217.13 S/.752.39 S/. 20,272.51
16 S/. 20,272.51 S/. 448.11 S/.1,217.13 S/.769.02 S/. 19,503.49
17 S/. 19,503.49 S/. 431.11 S/.1,217.13 S/.786.02 S/. 18,717.47
18 S/. 18,717.47 S/. 413.74 S/.1,217.13 S/.803.39 S/. 17,914.08
19 S/. 17,914.08 S/. 395.98 S/.1,217.13 S/.821.15 S/. 17,092.94
20 S/. 17,092.94 S/. 377.83 S/.1,217.13 S/.839.30 S/. 16,253.64
21 S/. 16,253.64 S/. 359.28 S/.1,217.13 S/.857.85 S/. 15,395.78
22 S/. 15,395.78 S/. 340.32 S/.1,217.13 S/.876.81 S/. 14,518.97
23 S/. 14,518.97 S/. 320.93 S/.1,217.13 S/.896.20 S/. 13,622.77
24 S/. 13,622.77 S/. 301.12 S/.1,217.13 S/.916.01 S/. 12,706.77
25 S/. 12,706.77 S/. 280.88 S/.1,217.13 S/.936.25 S/. 11,770.51
26 S/. 11,770.51 S/. 260.18 S/.1,217.13 S/.956.95 S/. 10,813.56
27 S/. 10,813.56 S/. 239.03 S/.1,217.13 S/.978.10 S/. 9,835.46
28 S/. 9,835.46 S/. 217.41 S/.1,217.13 S/.999.72 S/. 8,835.74
29 S/. 8,835.74 S/. 195.31 S/.1,217.13 S/.1,021.82 S/. 7,813.92
30 S/. 7,813.92 S/. 172.72 S/.1,217.13 S/.1,044.41 S/. 6,769.51
31 S/. 6,769.51 S/. 149.64 S/.1,217.13 S/.1,067.49 S/. 5,702.02
32 S/. 5,702.02 S/. 126.04 S/.1,217.13 S/.1,091.09 S/. 4,610.93
33 S/. 4,610.93 S/. 101.92 S/.1,217.13 S/.1,115.21 S/. 3,495.72
34 S/. 3,495.72 S/. 77.27 S/.1,217.13 S/.1,139.86 S/. 2,355.86
35 S/. 2,355.86 S/. 52.08 S/.1,217.13 S/.1,165.05 S/. 1,190.81
36 S/. 1,190.81 S/. 26.32 S/.1,217.13 S/.1,190.81 S/. 0.00
TOTAL: S/. 13,816.67 S/. 43,816.67 S/. 30,000.00
Las cuotas son constantes
Cuota = Amortización + Interés

FUNCIONES FINANCIERAS
Función PAGO: =PAGO(Tasainterés; nper;va;[vf];[tipo])
S/1,217.13

Función PAGOINT:
Periodo 2: S/650.89
Periodo 7: S/585.48

Función PAGOPRIN:
Periodo 2: S/566.24
Periodo 7: S/631.65

Función PAGO.INT.ENTRE:
Del 3 al 6: S/2,475.59 S/. 2,475.59
Del 2 al 7: S/3,711.95 S/. 3,711.95

Función PAGO.PRINC.ENTRE:
Del 3 al 6:
Del 2 al 7:

Función TASA:
=TASA(nper;pago;va;[vf];[tipo];[estimar]

Función NPER:
PRESTAMOS Y AMORTIZACIONES
Monto: S/. 40,000.00
TEA: 27% Tasa Efectiva Mensual: 2.0118%
Frec.Periodo: Mensual
N° Periodos: 12 Amortización Fija: S/.3,333.33 =P/n

Método Alemán
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/. 40,000.00
1 S/. 40,000.00 S/. 804.71 S/.4,138.04 S/.3,333.33 S/. 36,666.67
2 S/. 36,666.67 S/. 737.65 S/.4,070.98 S/.3,333.33 S/. 33,333.33
3 S/. 33,333.33 S/. 670.59 S/.4,003.93 S/.3,333.33 S/. 30,000.00
4 S/. 30,000.00 S/. 603.53 S/.3,936.87 S/.3,333.33 S/. 26,666.67
5 S/. 26,666.67 S/. 536.47 S/.3,869.81 S/.3,333.33 S/. 23,333.33
6 S/. 23,333.33 S/. 469.41 S/.3,802.75 S/.3,333.33 S/. 20,000.00
7 S/. 20,000.00 S/. 402.36 S/.3,735.69 S/.3,333.33 S/. 16,666.67
8 S/. 16,666.67 S/. 335.30 S/.3,668.63 S/.3,333.33 S/. 13,333.33
9 S/. 13,333.33 S/. 268.24 S/.3,601.57 S/.3,333.33 S/. 10,000.00
10 S/. 10,000.00 S/. 201.18 S/.3,534.51 S/.3,333.33 S/. 6,666.67
11 S/. 6,666.67 S/. 134.12 S/.3,467.45 S/.3,333.33 S/. 3,333.33
12 S/. 3,333.33 S/. 67.06 S/.3,400.39 S/.3,333.33 S/. -
TOTAL: S/. 5,230.62 S/. 45,230.62 S/. 40,000.00

Las amortizaciones son constantes


PRESTAMOS Y AMORTIZACIONES
Monto: S/. 40,000.00
TEA: 27% Tasa Efectiva Mensual: 2.0118%
Frec.Periodo: Mensual
N° Periodos: 12

Método Americano
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/. 40,000.00
1 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
2 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
3 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
4 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
5 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
6 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
7 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
8 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
9 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
10 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
11 S/. 40,000.00 S/. 804.71 S/.804.71 S/.0.00 S/. 40,000.00
12 S/. 40,000.00 S/. 804.71 S/.40,804.71 S/.40,000.00 S/. -
TOTAL: S/. 9,656.53 S/. 49,656.53 S/. 40,000.00

En todos los periodos a excepción del último se paga únicamente los intereses
En el ultimo periodo se paga todo el capital y interés de dicho periodo.
Periodos Nro_Periodos Tasas
Anual 1 21%
Semestral 2 24%
Trimestral 4 27%
Bimestral 6 30%
Mensual 12 33%
Semanal 48 36%
Diario 360 48%