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Ejemplo en Pesos Cuota Fija
Ejemplo en Pesos Cuota Fija
TE UN EJMPLO DE UNA CASA VIVIENDA NO VIS POR VALOR MAYOR A UN FINANCIAMIENTO DE 100
ESEN UN PLAZO DE PAGO A 20 AÑOS POR LO TANTO EL BANCO MANEJA UNA CUOTA DE TASA EFECTIVA
DE 10,25% Y UNA CUOTA POR MILLON DE$ 9.520 POR CUOTA FIJA.
0.0003
SALDO FINAL SEGURO
SE PUEDE EVIDENCIAR EN LA TABLA QUE EN LOS PRIMEROS PERIODOS SE
$ 149,808,784.92 $ 45,000 PAGAN LOS INTERESES DEL PRESTAMO Y NO APORTA DEMASIADO AL SALDO
$ 149,615,936.54 $ 44,943 DE LA CUOTA FINAL PERO A MEDIDA VA AUMENTANDO EL CAPITAL PARA EL
$ 149,421,440.92 $ 44,885 SALDO DEL CREDITO Y DISMINUYE EL DE LOS INTERESES AUMENTANDO EL
CAPITAL DE LA AMORTIZACION.
$ 149,225,283.98 $ 44,826
$ 149,027,451.54 $ 44,768
$ 148,827,929.27 $ 44,708
$ 148,626,702.75 $ 44,648
$ 148,423,757.42 $ 44,588
$ 148,219,078.61 $ 44,527
$ 148,012,651.49 $ 44,466
$ 147,804,461.14 $ 44,404
$ 147,594,492.50 $ 44,341
$ 147,382,730.37 $ 44,278
$ 147,169,159.45 $ 44,215
$ 146,953,764.27 $ 44,151
$ 146,736,529.26 $ 44,086
$ 146,517,438.70 $ 44,021
$ 146,296,476.74 $ 43,955
$ 146,073,627.40 $ 43,889
$ 145,848,874.55 $ 43,822
$ 145,622,201.94 $ 43,755
$ 145,393,593.17 $ 43,687
$ 145,163,031.70 $ 43,618
$ 144,930,500.85 $ 43,549
$ 144,695,983.80 $ 43,479
$ 144,459,463.58 $ 43,409
$ 144,220,923.08 $ 43,338
$ 143,980,345.05 $ 43,266
$ 143,737,712.09 $ 43,194
$ 143,493,006.63 $ 43,121
$ 143,246,210.98 $ 43,048
$ 142,997,307.29 $ 42,974
$ 142,746,277.54 $ 42,899
$ 142,493,103.58 $ 42,824
$ 142,237,767.09 $ 42,748
$ 141,980,249.60 $ 42,671
$ 141,720,532.49 $ 42,594
$ 141,458,596.96 $ 42,516
$ 141,194,424.06 $ 42,438
$ 140,927,994.68 $ 42,358
$ 140,659,289.56 $ 42,278
$ 140,388,289.24 $ 42,198
$ 140,114,974.13 $ 42,116
$ 139,839,324.46 $ 42,034
$ 139,561,320.27 $ 41,952
$ 139,280,941.47 $ 41,868
$ 138,998,167.76 $ 41,784
$ 138,712,978.70 $ 41,699
$ 138,425,353.65 $ 41,614
$ 138,135,271.79 $ 41,528
$ 137,842,712.16 $ 41,441
$ 137,547,653.58 $ 41,353
$ 137,250,074.71 $ 41,264
$ 136,949,954.01 $ 41,175
$ 136,647,269.79 $ 41,085
$ 136,342,000.14 $ 40,994
$ 136,034,122.98 $ 40,903
$ 135,723,616.03 $ 40,810
$ 135,410,456.84 $ 40,717
$ 135,094,622.74 $ 40,623
$ 134,776,090.90 $ 40,528
$ 134,454,838.26 $ 40,433
$ 134,130,841.59 $ 40,336
$ 133,804,077.45 $ 40,239
$ 133,474,522.20 $ 40,141
$ 133,142,151.99 $ 40,042
$ 132,806,942.79 $ 39,943
$ 132,468,870.35 $ 39,842
$ 132,127,910.20 $ 39,741
$ 131,784,037.69 $ 39,638
$ 131,437,227.93 $ 39,535
$ 131,087,455.84 $ 39,431
$ 130,734,696.11 $ 39,326
$ 130,378,923.23 $ 39,220
$ 130,020,111.45 $ 39,114
$ 129,658,234.82 $ 39,006
$ 129,293,267.16 $ 38,897
$ 128,925,182.07 $ 38,788
$ 128,553,952.92 $ 38,678
$ 128,179,552.85 $ 38,566
$ 127,801,954.79 $ 38,454
$ 127,421,131.40 $ 38,341
$ 127,037,055.15 $ 38,226
$ 126,649,698.25 $ 38,111
$ 126,259,032.68 $ 37,995
$ 125,865,030.17 $ 37,878
$ 125,467,662.22 $ 37,760
$ 125,066,900.09 $ 37,640
$ 124,662,714.78 $ 37,520
$ 124,255,077.06 $ 37,399
$ 123,843,957.42 $ 37,277
$ 123,429,326.15 $ 37,153
$ 123,011,153.23 $ 37,029
$ 122,589,408.41 $ 36,903
$ 122,164,061.20 $ 36,777
$ 121,735,080.81 $ 36,649
$ 121,302,436.21 $ 36,521
$ 120,866,096.10 $ 36,391
$ 120,426,028.93 $ 36,260
$ 119,982,202.84 $ 36,128
$ 119,534,585.75 $ 35,995
$ 119,083,145.25 $ 35,860
$ 118,627,848.70 $ 35,725
$ 118,168,663.16 $ 35,588
$ 117,705,555.41 $ 35,451
$ 117,238,491.95 $ 35,312
$ 116,767,438.99 $ 35,172
$ 116,292,362.45 $ 35,030
$ 115,813,227.97 $ 34,888
$ 115,330,000.88 $ 34,744
$ 114,842,646.22 $ 34,599
$ 114,351,128.74 $ 34,453
$ 113,855,412.89 $ 34,305
$ 113,355,462.79 $ 34,157
$ 112,851,242.29 $ 34,007
$ 112,342,714.90 $ 33,855
$ 111,829,843.85 $ 33,703
$ 111,312,592.01 $ 33,549
$ 110,790,921.99 $ 33,394
$ 110,264,796.04 $ 33,237
$ 109,734,176.09 $ 33,079
$ 109,199,023.76 $ 32,920
$ 108,659,300.34 $ 32,760
$ 108,114,966.79 $ 32,598
$ 107,565,983.71 $ 32,434
$ 107,012,311.41 $ 32,270
$ 106,453,909.82 $ 32,104
$ 105,890,738.56 $ 31,936
$ 105,322,756.87 $ 31,767
$ 104,749,923.67 $ 31,597
$ 104,172,197.52 $ 31,425
$ 103,589,536.63 $ 31,252
$ 103,001,898.84 $ 31,077
$ 102,409,241.64 $ 30,901
$ 101,811,522.17 $ 30,723
$ 101,208,697.17 $ 30,543
$ 100,600,723.05 $ 30,363
$ 99,987,555.81 $ 30,180
$ 99,369,151.10 $ 29,996
$ 98,745,464.19 $ 29,811
$ 98,116,449.95 $ 29,624
$ 97,482,062.88 $ 29,435
$ 96,842,257.08 $ 29,245
$ 96,196,986.28 $ 29,053
$ 95,546,203.79 $ 28,859
$ 94,889,862.54 $ 28,664
$ 94,227,915.03 $ 28,467
$ 93,560,313.39 $ 28,268
$ 92,887,009.32 $ 28,068
$ 92,207,954.11 $ 27,866
$ 91,523,098.64 $ 27,662
$ 90,832,393.36 $ 27,457
$ 90,135,788.31 $ 27,250
$ 89,433,233.08 $ 27,041
$ 88,724,676.87 $ 26,830
$ 88,010,068.40 $ 26,617
$ 87,289,355.99 $ 26,403
$ 86,562,487.49 $ 26,187
$ 85,829,410.33 $ 25,969
$ 85,090,071.46 $ 25,749
$ 84,344,417.41 $ 25,527
$ 83,592,394.22 $ 25,303
$ 82,833,947.51 $ 25,078
$ 82,069,022.40 $ 24,850
$ 81,297,563.55 $ 24,621
$ 80,519,515.16 $ 24,389
$ 79,734,820.94 $ 24,156
$ 78,943,424.12 $ 23,920
$ 78,145,267.45 $ 23,683
$ 77,340,293.20 $ 23,444
$ 76,528,443.12 $ 23,202
$ 75,709,658.49 $ 22,959
$ 74,883,880.08 $ 22,713
$ 74,051,048.14 $ 22,465
$ 73,211,102.43 $ 22,215
$ 72,363,982.18 $ 21,963
$ 71,509,626.12 $ 21,709
$ 70,647,972.43 $ 21,453
$ 69,778,958.78 $ 21,194
$ 68,902,522.30 $ 20,934
$ 68,018,599.60 $ 20,671
$ 67,127,126.72 $ 20,406
$ 66,228,039.19 $ 20,138
$ 65,321,271.94 $ 19,868
$ 64,406,759.39 $ 19,596
$ 63,484,435.38 $ 19,322
$ 62,554,233.18 $ 19,045
$ 61,616,085.51 $ 18,766
$ 60,669,924.50 $ 18,485
$ 59,715,681.69 $ 18,201
$ 58,753,288.05 $ 17,915
$ 57,782,673.98 $ 17,626
$ 56,803,769.24 $ 17,335
$ 55,816,503.02 $ 17,041
$ 54,820,803.90 $ 16,745
$ 53,816,599.85 $ 16,446
$ 52,803,818.23 $ 16,145
$ 51,782,385.76 $ 15,841
$ 50,752,228.56 $ 15,535
$ 49,713,272.10 $ 15,226
$ 48,665,441.22 $ 14,914
$ 47,608,660.11 $ 14,600
$ 46,542,852.34 $ 14,283
$ 45,467,940.79 $ 13,963
$ 44,383,847.70 $ 13,640
$ 43,290,494.66 $ 13,315
$ 42,187,802.55 $ 12,987
$ 41,075,691.62 $ 12,656
$ 39,954,081.40 $ 12,323
$ 38,822,890.77 $ 11,986
$ 37,682,037.88 $ 11,647
$ 36,531,440.20 $ 11,305
$ 35,371,014.51 $ 10,959
$ 34,200,676.84 $ 10,611
$ 33,020,342.54 $ 10,260
$ 31,829,926.22 $ 9,906
$ 30,629,341.76 $ 9,549
$ 29,418,502.31 $ 9,189
$ 28,197,320.27 $ 8,826
$ 26,965,707.30 $ 8,459
$ 25,723,574.30 $ 8,090
$ 24,470,831.42 $ 7,717
$ 23,207,388.02 $ 7,341
$ 21,933,152.72 $ 6,962
$ 20,648,033.32 $ 6,580
$ 19,351,936.85 $ 6,194
$ 18,044,769.57 $ 5,806
$ 16,726,436.89 $ 5,413
$ 15,396,843.46 $ 5,018
$ 14,055,893.08 $ 4,619
$ 12,703,488.76 $ 4,217
$ 11,339,532.64 $ 3,811
$ 9,963,926.07 $ 3,402
$ 8,576,569.53 $ 2,989
$ 7,177,362.64 $ 2,573
$ 5,766,204.20 $ 2,153
$ 4,342,992.12 $ 1,730
$ 2,907,623.43 $ 1,303
$ 1,459,994.30 $ 872
-$ 0.00 $ 438
0
RIMEROS PERIODOS SE
DEMASIADO AL SALDO
DO EL CAPITAL PARA EL
SES AUMENTANDO EL
N.