INFORMACION

VALOR DEL PRESTAMO 200,000.00

PLAZO 90

TASA DE INTERES ANUAL 9%

EMILCE MONRROY BUSTILLOS

ING.PETROLEO Y GAS NATURAL
SISTEMA FRANCES (CUOTA NIVELADA O CONSTANTE)
Método de
El sistema
prestatar
Ingrese Tasa de Interés Anual
Monto 200,000.00 que inclu
plazo 90 regla fina
interes 0.75% 9.00%
cuota 3,063.98
Se aplican
una
75,758.07 200,000.00 A diferen
MESES INTERESES CAPITAL CUOTA SALDO
1 1,500.00 1,563.98 3,063.98 198,436.02
las tazas d
2 1,488.27 1,575.71 3,063.98 196,860.31  
3 1,476.45 1,587.53 3,063.98 195,272.79  
4 1,464.55 1,599.43 3,063.98 193,673.35
5 1,452.55 1,611.43 3,063.98 192,061.93
Los présta
6 1,440.46 1,623.51 3,063.98 190,438.41 hipotecas
7 1,428.29 1,635.69 3,063.98 188,802.72 intereses
8 1,416.02 1,647.96 3,063.98 187,154.76
9 1,403.66 1,660.32 3,063.98 185,494.45
contrario
10 1,391.21 1,672.77 3,063.98 183,821.68 Ejemplo p
11 1,378.66 1,685.32 3,063.98 182,136.36 interés de
12 1,366.02 1,697.96 3,063.98 180,438.40
13 1,353.29 1,710.69 3,063.98 178,727.71
14 1,340.46 1,723.52 3,063.98 177,004.19
15 1,327.53 1,736.45 3,063.98 175,267.75
16 1,314.51 1,749.47 3,063.98 173,518.28
17 1,301.39 1,762.59 3,063.98 171,755.68
18 1,288.17 1,775.81 3,063.98 169,979.87
19 1,274.85 1,789.13 3,063.98 168,190.74
20 1,261.43 1,802.55 3,063.98 166,388.20
21 1,247.91 1,816.07 3,063.98 164,572.13
22 1,234.29 1,829.69 3,063.98 162,742.44
23 1,220.57 1,843.41 3,063.98 160,899.03
24 1,206.74 1,857.24 3,063.98 159,041.79
25 1,192.81 1,871.17 3,063.98 157,170.63
26 1,178.78 1,885.20 3,063.98 155,285.43
27 1,164.64 1,899.34 3,063.98 153,386.09
28 1,150.40 1,913.58 3,063.98 151,472.51
29 1,136.04 1,927.93 3,063.98 149,544.58
30 1,121.58 1,942.39 3,063.98 147,602.18
31 1,107.02 1,956.96 3,063.98 145,645.22
32 1,092.34 1,971.64 3,063.98 143,673.58
33 1,077.55 1,986.43 3,063.98 141,687.15
34 1,062.65 2,001.32 3,063.98 139,685.83
35 1,047.64 2,016.33 3,063.98 137,669.49
36 1,032.52 2,031.46 3,063.98 135,638.04
37 1,017.29 2,046.69 3,063.98 133,591.34
38 1,001.94 2,062.04 3,063.98 131,529.30
39 986.47 2,077.51 3,063.98 129,451.79
40 970.89 2,093.09 3,063.98 127,358.70
41 955.19 2,108.79 3,063.98 125,249.91
42 939.37 2,124.60 3,063.98 123,125.31
43 923.44 2,140.54 3,063.98 120,984.77
44 907.39 2,156.59 3,063.98 118,828.18
45 891.21 2,172.77 3,063.98 116,655.41
46 874.92 2,189.06 3,063.98 114,466.35
47 858.50 2,205.48 3,063.98 112,260.87
48 841.96 2,222.02 3,063.98 110,038.84
49 825.29 2,238.69 3,063.98 107,800.16
50 808.50 2,255.48 3,063.98 105,544.68
51 791.59 2,272.39 3,063.98 103,272.29
52 774.54 2,289.44 3,063.98 100,982.85
53 757.37 2,306.61 3,063.98 98,676.24
54 740.07 2,323.91 3,063.98 96,352.34
55 722.64 2,341.34 3,063.98 94,011.00
56 705.08 2,358.90 3,063.98 91,652.10
57 687.39 2,376.59 3,063.98 89,275.52
58 669.57 2,394.41 3,063.98 86,881.10
59 651.61 2,412.37 3,063.98 84,468.73
60 633.52 2,430.46 3,063.98 82,038.27
61 615.29 2,448.69 3,063.98 79,589.58
62 596.92 2,467.06 3,063.98 77,122.52
63 578.42 2,485.56 3,063.98 74,636.96
64 559.78 2,504.20 3,063.98 72,132.76
65 541.00 2,522.98 3,063.98 69,609.78
66 522.07 2,541.91 3,063.98 67,067.87
67 503.01 2,560.97 3,063.98 64,506.90
68 483.80 2,580.18 3,063.98 61,926.73
69 464.45 2,599.53 3,063.98 59,327.20
70 444.95 2,619.02 3,063.98 56,708.17
71 425.31 2,638.67 3,063.98 54,069.51
72 405.52 2,658.46 3,063.98 51,411.05
73 385.58 2,678.40 3,063.98 48,732.65
74 365.49 2,698.48 3,063.98 46,034.17
75 345.26 2,718.72 3,063.98 43,315.45
76 324.87 2,739.11 3,063.98 40,576.34
77 304.32 2,759.66 3,063.98 37,816.68
78 283.63 2,780.35 3,063.98 35,036.33
79 262.77 2,801.21 3,063.98 32,235.12
80 241.76 2,822.22 3,063.98 29,412.91
81 220.60 2,843.38 3,063.98 26,569.52
82 199.27 2,864.71 3,063.98 23,704.82
83 177.79 2,886.19 3,063.98 20,818.62
84 156.14 2,907.84 3,063.98 17,910.79
85 134.33 2,929.65 3,063.98 14,981.14
86 112.36 2,951.62 3,063.98 12,029.52
87 90.22 2,973.76 3,063.98 9,055.76
88 67.92 2,996.06 3,063.98 6,059.70
89 45.45 3,018.53 3,063.98 3,041.17
90 22.81 3,041.17 3,063.98
 EMILCE MONRROY BUSTILLOS
ING.PETROLEO Y GAS NATURAL

Método de amortización variable “francés”

El sistema de amortización francés es aquel mediante el cual el
prestatario se compromete a pagar unas cuotas periódicas constantes,
que incluyen capital e intereses. Estas cuotas se calculan siguiendo una
regla financiera.
Se aplican las mismas variables del anterior método menos el cálculo de
una
A diferencia del método constante este se caracteriza por el cálculo de
las tazas de amortización constante (a), mediante la siguiente ecuación.
 
 
Los préstamos más habituales amortizados por este método son las
hipotecas. En ellas, los primeros períodos se pagan sobre todo
intereses, que van decreciendo. Con el capital amortizado sucede lo
contrario, creciendo el importe cada año.
Ejemplo para un préstamo de 1000 Um en un periodo de 5 años con un
interés del 9% anual considerando un año de gracia
 el cual el
dicas constantes,
lan siguiendo una

menos el cálculo de
por el cálculo de
iguiente ecuación.

método son las

obre todo
zado sucede lo
o de 5 años con un
 EMILCE MONRROY BUSTILLOS
SISTEMA ALEMAN (CUOTA ESCALONADA) ING.PETROLEO Y GAS NATURAL

Monto 200,000.00 Ingrese Tasa de Interés Anual

plazo 90
interes 0.75% 9.00%
FECHA 5/31/2018
68,315.07 200,000.00
MESES INTERESES AMORTIZ. CUOTA SALDO 7,443.00
1 1,479.45 2,222.22 3,701.67 197,777.78
2 1,511.78 2,222.22 3,734.00 195,555.56
3 1,494.79 2,222.22 3,717.02 193,333.33
4 1,430.14 2,222.22 3,652.36 191,111.11
5 1,460.82 2,222.22 3,683.04 188,888.89
6 1,397.26 2,222.22 3,619.48 186,666.67
7 1,426.85 2,222.22 3,649.07 184,444.44
8 1,409.86 2,222.22 3,632.09 182,222.22
9 1,258.08 2,222.22 3,480.30 180,000.00
10 1,375.89 2,222.22 3,598.11 177,777.78
11 1,315.07 2,222.22 3,537.29 175,555.56
12 1,341.92 2,222.22 3,564.14 173,333.33
13 1,282.19 2,222.22 3,504.41 171,111.11
14 1,307.95 2,222.22 3,530.17 168,888.89
15 1,290.96 2,222.22 3,513.18 166,666.67
16 1,232.88 2,222.22 3,455.10 164,444.44
17 1,256.99 2,222.22 3,479.21 162,222.22
18 1,200.00 2,222.22 3,422.22 160,000.00
19 1,223.01 2,222.22 3,445.24 157,777.78
20 1,206.03 2,222.22 3,428.25 155,555.56
21 1,112.33 2,222.22 3,334.55 153,333.33
22 1,172.05 2,222.22 3,394.28 151,111.11
23 1,117.81 2,222.22 3,340.03 148,888.89
24 1,138.08 2,222.22 3,360.30 146,666.67
25 1,084.93 2,222.22 3,307.15 144,444.44
26 1,104.11 2,222.22 3,326.33 142,222.22
27 1,087.12 2,222.22 3,309.35 140,000.00
28 1,035.62 2,222.22 3,257.84 137,777.78
29 1,053.15 2,222.22 3,275.37 135,555.56
30 1,002.74 2,222.22 3,224.96 133,333.33
31 1,019.18 2,222.22 3,241.40 131,111.11
32 1,002.19 2,222.22 3,224.41 128,888.89
33 889.86 2,222.22 3,112.09 126,666.67
34 968.22 2,222.22 3,190.44 124,444.44
35 920.55 2,222.22 3,142.77 122,222.22
36 934.25 2,222.22 3,156.47 120,000.00
37 887.67 2,222.22 3,109.89 117,777.78
38 900.27 2,222.22 3,122.50 115,555.56
39 883.29 2,222.22 3,105.51 113,333.33
40 838.36 2,222.22 3,060.58 111,111.11
41 849.32 2,222.22 3,071.54 108,888.89
42 805.48 2,222.22 3,027.70 106,666.67
43 815.34 2,222.22 3,037.56 104,444.44
44 798.36 2,222.22 3,020.58 102,222.22
45 705.75 2,222.22 2,927.98 100,000.00
46 764.38 2,222.22 2,986.61 97,777.78
47 723.29 2,222.22 2,945.51 95,555.56
48 730.41 2,222.22 2,952.63 93,333.33
49 690.41 2,222.22 2,912.63 91,111.11
50 696.44 2,222.22 2,918.66 88,888.89
51 679.45 2,222.22 2,901.67 86,666.67
52 641.10 2,222.22 2,863.32 84,444.44
53 645.48 2,222.22 2,867.70 82,222.22
54 608.22 2,222.22 2,830.44 80,000.00
55 611.51 2,222.22 2,833.73 77,777.78
56 594.52 2,222.22 2,816.74 75,555.56
57 521.64 2,222.22 2,743.87 73,333.33
58 560.55 2,222.22 2,782.77 71,111.11
59 526.03 2,222.22 2,748.25 68,888.89
60 526.58 2,222.22 2,748.80 66,666.67
61 493.15 2,222.22 2,715.37 64,444.44
62 492.60 2,222.22 2,714.82 62,222.22
63 475.62 2,222.22 2,697.84 60,000.00
64 443.84 2,222.22 2,666.06 57,777.78
65 441.64 2,222.22 2,663.87 55,555.56
66 410.96 2,222.22 2,633.18 53,333.33
67 407.67 2,222.22 2,629.89 51,111.11
68 390.68 2,222.22 2,612.91 48,888.89
69 349.59 2,222.22 2,571.81 46,666.67
70 356.71 2,222.22 2,578.93 44,444.44
71 328.77 2,222.22 2,550.99 42,222.22
72 322.74 2,222.22 2,544.96 40,000.00
73 295.89 2,222.22 2,518.11 37,777.78
74 288.77 2,222.22 2,510.99 35,555.56
75 271.78 2,222.22 2,494.00 33,333.33
76 246.58 2,222.22 2,468.80 31,111.11
77 237.81 2,222.22 2,460.03 28,888.89
78 213.70 2,222.22 2,435.92 26,666.67
79 203.84 2,222.22 2,426.06 24,444.44
80 186.85 2,222.22 2,409.07 22,222.22
81 153.42 2,222.22 2,375.65 20,000.00
82 152.88 2,222.22 2,375.10 17,777.78
83 131.51 2,222.22 2,353.73 15,555.56
84 118.90 2,222.22 2,341.13 13,333.33
85 98.63 2,222.22 2,320.85 11,111.11
86 84.93 2,222.22 2,307.15 8,888.89
87 67.95 2,222.22 2,290.17 6,666.67
88 49.32 2,222.22 2,271.54 4,444.44
89 33.97 2,222.22 2,256.19 2,222.22
90 16.44 2,222.22 2,238.66
Monto Q200,000.00
plazo 90
EMILCE MONRROY BUSTILLOS
ING.PETROLEO Y GAS NATURAL
interes 9.00%
cuota Q 3,722.22
Q 135,000.00 Q 200,000.00
MESES INTERESES CAPITAL CUOTA SALDO
1 1,500.00 2,222.22 3,722.22 197,777.78
2 1,500.00 2,222.22 3,722.22 195,555.56
3 1,500.00 2,222.22 3,722.22 193,333.33
4 1,500.00 2,222.22 3,722.22 191,111.11
5 1,500.00 2,222.22 3,722.22 188,888.89
6 1,500.00 2,222.22 3,722.22 186,666.67
7 1,500.00 2,222.22 3,722.22 184,444.44
8 1,500.00 2,222.22 3,722.22 182,222.22
9 1,500.00 2,222.22 3,722.22 180,000.00
10 1,500.00 2,222.22 3,722.22 177,777.78
11 1,500.00 2,222.22 3,722.22 175,555.56
12 1,500.00 2,222.22 3,722.22 173,333.33
13 1,500.00 2,222.22 3,722.22 171,111.11
14 1,500.00 2,222.22 3,722.22 168,888.89
15 1,500.00 2,222.22 3,722.22 166,666.67
16 1,500.00 2,222.22 3,722.22 164,444.44
17 1,500.00 2,222.22 3,722.22 162,222.22
18 1,500.00 2,222.22 3,722.22 160,000.00
19 1,500.00 2,222.22 3,722.22 157,777.78
20 1,500.00 2,222.22 3,722.22 155,555.56
21 1,500.00 2,222.22 3,722.22 153,333.33
22 1,500.00 2,222.22 3,722.22 151,111.11
23 1,500.00 2,222.22 3,722.22 148,888.89
24 1,500.00 2,222.22 3,722.22 146,666.67
25 1,500.00 2,222.22 3,722.22 144,444.44
26 1,500.00 2,222.22 3,722.22 142,222.22
27 1,500.00 2,222.22 3,722.22 140,000.00
28 1,500.00 2,222.22 3,722.22 137,777.78
29 1,500.00 2,222.22 3,722.22 135,555.56
30 1,500.00 2,222.22 3,722.22 133,333.33
31 1,500.00 2,222.22 3,722.22 131,111.11
32 1,500.00 2,222.22 3,722.22 128,888.89
33 1,500.00 2,222.22 3,722.22 126,666.67
34 1,500.00 2,222.22 3,722.22 124,444.44
35 1,500.00 2,222.22 3,722.22 122,222.22
36 1,500.00 2,222.22 3,722.22 120,000.00
37 1,500.00 2,222.22 3,722.22 117,777.78
38 1,500.00 2,222.22 3,722.22 115,555.56
39 1,500.00 2,222.22 3,722.22 113,333.33
40 1,500.00 2,222.22 3,722.22 111,111.11
41 1,500.00 2,222.22 3,722.22 108,888.89
42 1,500.00 2,222.22 3,722.22 106,666.67
43 1,500.00 2,222.22 3,722.22 104,444.44
44 1,500.00 2,222.22 3,722.22 102,222.22
45 1,500.00 2,222.22 3,722.22 100,000.00
46 1,500.00 2,222.22 3,722.22 97,777.78
47 1,500.00 2,222.22 3,722.22 95,555.56
48 1,500.00 2,222.22 3,722.22 93,333.33
49 1,500.00 2,222.22 3,722.22 91,111.11
50 1,500.00 2,222.22 3,722.22 88,888.89
51 1,500.00 2,222.22 3,722.22 86,666.67
52 1,500.00 2,222.22 3,722.22 84,444.44
53 1,500.00 2,222.22 3,722.22 82,222.22
54 1,500.00 2,222.22 3,722.22 80,000.00
55 1,500.00 2,222.22 3,722.22 77,777.78
56 1,500.00 2,222.22 3,722.22 75,555.56
57 1,500.00 2,222.22 3,722.22 73,333.33
58 1,500.00 2,222.22 3,722.22 71,111.11
59 1,500.00 2,222.22 3,722.22 68,888.89
60 1,500.00 2,222.22 3,722.22 66,666.67
61 1,500.00 2,222.22 3,722.22 64,444.44
62 1,500.00 2,222.22 3,722.22 62,222.22
63 1,500.00 2,222.22 3,722.22 60,000.00
64 1,500.00 2,222.22 3,722.22 57,777.78
65 1,500.00 2,222.22 3,722.22 55,555.56
66 1,500.00 2,222.22 3,722.22 53,333.33
67 1,500.00 2,222.22 3,722.22 51,111.11
68 1,500.00 2,222.22 3,722.22 48,888.89
69 1,500.00 2,222.22 3,722.22 46,666.67
70 1,500.00 2,222.22 3,722.22 44,444.44
71 1,500.00 2,222.22 3,722.22 42,222.22
72 1,500.00 2,222.22 3,722.22 40,000.00
73 1,500.00 2,222.22 3,722.22 37,777.78
74 1,500.00 2,222.22 3,722.22 35,555.56
75 1,500.00 2,222.22 3,722.22 33,333.33
76 1,500.00 2,222.22 3,722.22 31,111.11
77 1,500.00 2,222.22 3,722.22 28,888.89
78 1,500.00 2,222.22 3,722.22 26,666.67
79 1,500.00 2,222.22 3,722.22 24,444.44
80 1,500.00 2,222.22 3,722.22 22,222.22
81 1,500.00 2,222.22 3,722.22 20,000.00
82 1,500.00 2,222.22 3,722.22 17,777.78
83 1,500.00 2,222.22 3,722.22 15,555.56
84 1,500.00 2,222.22 3,722.22 13,333.33
85 1,500.00 2,222.22 3,722.22 11,111.11
86 1,500.00 2,222.22 3,722.22 8,888.89
87 1,500.00 2,222.22 3,722.22 6,666.67
88 1,500.00 2,222.22 3,722.22 4,444.44
89 1,500.00 2,222.22 3,722.22 2,222.22
90 1,500.00 2,222.22 3,722.22
Q 135,000.00 Q 200,000.00
MILCE MONRROY BUSTILLOS
NG.PETROLEO Y GAS NATURAL