P= $80,000,000

n= 24 meses
r= 22.59565% NACS
i= 23.87205% anual
i= 1.8% mensual

formula de clase A= $4,134,466.80

funcion de excel A= $4,134,466.80

PLAN DE AMORTIZACION CON CUOTA CONSTANTE

PERIODO CUOTA INTERES AMORTIZACION
0 $4,134,466.80
1 $4,134,466.80 $1,440,000.0 $2,694,466.80
2 $4,134,466.80 $1,391,499.6 $2,742,967.20
3 $4,134,466.80 $1,342,126.2 $2,792,340.61
4 $4,134,466.80 $1,291,864.1 $2,842,602.74
5 $4,134,466.80 $1,240,697.2 $2,893,769.59
6 $4,134,466.80 $1,188,609.4 $2,945,857.45
7 $4,134,466.80 $1,135,583.9 $2,998,882.88
8 $4,134,466.80 $1,081,604.0 $3,052,862.77
9 $4,134,466.80 $1,026,652.5 $3,107,814.30
10 $4,134,466.80 $970,711.8 $3,163,754.96
11 $4,134,466.80 $913,764.3 $3,220,702.55
12 $4,134,466.80 $855,791.6 $3,278,675.19
13 $4,134,466.80 $796,775.5 $3,337,691.35
14 $4,134,466.80 $736,697.0 $3,397,769.79
15 $4,134,466.80 $675,537.2 $3,458,929.65
16 $4,134,466.80 $613,276.4 $3,521,190.38
17 $4,134,466.80 $549,895.0 $3,584,571.81
18 $4,134,466.80 $485,372.7 $3,649,094.10
19 $4,134,466.80 $419,689.0 $3,714,777.80
20 $4,134,466.80 $352,823.0 $3,781,643.80
21 $4,134,466.80 $284,753.4 $3,849,713.38
22 $4,134,466.80 $215,458.6 $3,919,008.23
23 $4,134,466.80 $144,916.4 $3,989,550.37
24 $4,134,466.80 $73,104.5 $4,061,362.28
SALDO
$80,000,000
$77,305,533.20
$74,562,566.00
$71,770,225.38
$68,927,622.64
$66,033,853.04
$63,087,995.60
$60,089,112.72
$57,036,249.94
$53,928,435.64
$50,764,680.68
$47,543,978.13
$44,265,302.94
$40,927,611.59
$37,529,841.80
$34,070,912.15
$30,549,721.77
$26,965,149.96
$23,316,055.86
$19,601,278.06
$15,819,634.26
$11,969,920.88
$8,050,912.65
$4,061,362.28
$0.00
 P= $80,000,000
n= 24 meses
r= 22.59565% NACS
i= 23.87205% anual
i= 1.8% mensual

formula de clase A= $4,134,466.80

funcion de excel A= $4,134,466.80

PLAN DE AMORTIZACION CON CUOTA CONSTANTE

PERIODO CUOTA INTERES AMORTIZACION
0 $4,134,466.80
1 $4,134,466.80 $1,440,000.0 $2,694,466.80
2 $4,134,466.80 $1,391,499.6 $2,742,967.20
3 $4,134,466.80 $1,342,126.2 $2,792,340.61
4 $4,134,466.80 $1,291,864.1 $2,842,602.74
5 $4,134,466.80 $1,240,697.2 $2,893,769.59
6 $4,134,466.80 $1,188,609.4 $2,945,857.45
7 $4,134,466.80 $1,135,583.9 $2,998,882.88
8 $4,134,466.80 $1,081,604.0 $3,052,862.77
9 $4,134,466.80 $1,026,652.5 $3,107,814.30
10 $4,134,466.80 $970,711.8 $3,163,754.96
11 $4,134,466.80 $463,764.3 $3,670,702.55
12 $4,134,466.80 $397,691.6 $3,736,775.19
13 $4,134,466.80 $330,429.7 $3,804,037.15
14 $4,134,466.80 $261,957.0 $3,872,509.82
15 $4,134,466.80 $192,251.8 $3,942,214.99
16 $4,134,466.80 $121,291.9 $4,013,174.86
17 $2,774,320.91 $49,054.8 $2,725,266.12
SALDO
$80,000,000
$77,305,533.20
$74,562,566.00
$71,770,225.38
$68,927,622.64
$66,033,853.04
$63,087,995.60
$60,089,112.72
$57,036,249.94
$53,928,435.64
$25,764,680.68 ABONO A CAPITAL $25,000,000.00
$22,093,978.13
$18,357,202.94
$14,553,165.79
$10,680,655.97
$6,738,440.98
$2,725,266.12
$0.00
 P= $80,000,000
n= 24 meses
r= 22.59565% NACS
i= 23.87205% anual
i= 1.8% mensual

formula de clase A= $4,134,466.80

funcion de excel A= $4,134,466.80

PLAN DE AMORTIZACION CON CUOTA CONSTANTE

PERIODO CUOTA INTERES AMORTIZACION
0 $4,134,466.80
1 $4,134,466.80 $1,440,000.0 $2,694,466.80
2 $4,134,466.80 $1,391,499.6 $2,742,967.20
3 $4,134,466.80 $1,342,126.2 $2,792,340.61
4 $4,134,466.80 $1,291,864.1 $2,842,602.74
5 $4,134,466.80 $1,240,697.2 $2,893,769.59
6 $4,134,466.80 $1,188,609.4 $2,945,857.45
7 $4,134,466.80 $1,135,583.9 $2,998,882.88
8 $4,134,466.80 $1,081,604.0 $3,052,862.77
9 $4,134,466.80 $1,026,652.5 $3,107,814.30
10 $4,134,466.80 $970,711.8 $3,163,754.96
11 $4,134,466.80 $913,764.3 $3,220,702.55
12 $4,134,466.80 $855,791.6 $3,278,675.19
13 $4,134,466.80 $796,775.5 $3,337,691.35
14 $4,134,466.80 $736,697.0 $3,397,769.79
15 $4,134,466.80 $675,537.2 $3,458,929.65
16 $4,134,466.80 $613,276.4 $3,521,190.38
17 $4,134,466.80 $549,895.0 $3,584,571.81
18 $4,134,466.80 $485,372.7 $3,649,094.10
19 $4,134,466.80 $419,689.0 $3,714,777.80
20 $4,134,466.80 $352,823.0 $3,781,643.80
21 $4,134,466.80 $284,753.4 $3,849,713.38
22 $4,134,466.80 $215,458.6 $3,919,008.23
23 $4,134,466.80 $144,916.4 $3,989,550.37
24 $4,134,466.80 $73,104.5 $4,061,362.28
SALDO
$80,000,000
$77,305,533.20
$74,562,566.00
$71,770,225.38
$68,927,622.64
$66,033,853.04
$63,087,995.60
$60,089,112.72
$57,036,249.94
$53,928,435.64
$50,764,680.68
$47,543,978.13
$44,265,302.94
$40,927,611.59
$37,529,841.80
$34,070,912.15
$30,549,721.77
$26,965,149.96
$23,316,055.86
$19,601,278.06
$15,819,634.26
$11,969,920.88
$8,050,912.65
$4,061,362.28
$0.00
 P= $80,000,000
n= 24 meses
r= 22.59565% NACS
i= 23.87205% anual
i= 1.8% mensual Interes por mora 31.92%
0.077%
formula de clase A= $4,134,466.80
funcion de excel A= $4,134,466.80

PLAN DE AMORTIZACION CON CUOTA CONSTANTE

PERIODO CUOTA INTERES AMORTIZACION
0 $4,134,466.80
1 $4,134,466.80 $1,440,000.0 $2,694,466.80
2 $4,134,466.80 $1,391,499.6 $2,742,967.20
3 $4,134,466.80 $1,342,126.2 $2,792,340.61
4 $4,134,466.80 $1,291,864.1 $2,842,602.74
5 $4,134,466.80 $1,240,697.2 $2,893,769.59
fecha de pago de la cuota 6/30/2022 6 $4,134,466.80 $1,188,609.4 $2,945,857.45

interes por mora

7 $4,134,466.80 $1,135,583.9 $2,998,882.88

8 $4,134,466.80 $1,081,604.0 $3,052,862.77
9 $4,134,466.80 $1,026,652.5 $3,107,814.30
10 $4,134,466.80 $970,711.8 $3,163,754.96
11 $4,134,466.80 $913,764.3 $3,220,702.55
12 $4,134,466.80 $855,791.6 $3,278,675.19
13 $4,134,466.80 $796,775.5 $3,337,691.35
14 $4,134,466.80 $736,697.0 $3,397,769.79
15 $4,134,466.80 $675,537.2 $3,458,929.65
16 $4,134,466.80 $613,276.4 $3,521,190.38
17 $4,134,466.80 $549,895.0 $3,584,571.81
18 $4,134,466.80 $485,372.7 $3,649,094.10
19 $4,134,466.80 $419,689.0 $3,714,777.80
20 $4,134,466.80 $352,823.0 $3,781,643.80
21 $4,134,466.80 $284,753.4 $3,849,713.38
22 $4,134,466.80 $215,458.6 $3,919,008.23
23 $4,134,466.80 $144,916.4 $3,989,550.37
24 $4,134,466.80 $73,104.5 $4,061,362.28
efectiva anual

SALDO
$80,000,000
$77,305,533.20
$74,562,566.00
$71,770,225.38
$68,927,622.64
$66,033,853.04
$63,087,995.60

$60,089,112.72
$57,036,249.94
$53,928,435.64
$50,764,680.68
$47,543,978.13
$44,265,302.94
$40,927,611.59
$37,529,841.80
$34,070,912.15
$30,549,721.77
$26,965,149.96
$23,316,055.86
$19,601,278.06
$15,819,634.26
$11,969,920.88
$8,050,912.65
$4,061,362.28
$0.00
P= $80,000,000
n= 24 meses
r= 22.59565% NACS
i= 23.87205% anual
i= 1.8% mensual
B= $1,500,000.00
G= $247,419.45

PLAN DE AMORTIZACION COMO GRADIENTE ARITMETICO

PERIODO CUOTA INTERES AMORTIZACION
0
1 $1,500,000.00 $1,440,000.0 $60,000.00
2 $1,747,419.45 $1,438,920.0 $308,499.45
3 $1,994,838.91 $1,433,367.0 $561,471.90
4 $2,242,258.36 $1,423,260.5 $818,997.84
5 $2,489,677.81 $1,408,518.6 $1,081,159.26
6 $2,737,097.27 $1,389,057.7 $1,348,039.58
7 $2,984,516.72 $1,364,793.0 $1,619,723.74
8 $3,231,936.17 $1,335,637.9 $1,896,298.22
9 $3,479,355.63 $1,301,504.6 $2,177,851.05
10 $3,726,775.08 $1,262,303.3 $2,464,471.82
11 $3,974,194.53 $1,217,942.8 $2,756,251.76
12 $4,221,613.99 $1,168,330.2 $3,053,283.75
13 $4,469,033.44 $1,113,371.1 $3,355,662.31
14 $4,716,452.89 $1,052,969.2 $3,663,483.68
15 $4,963,872.35 $987,026.5 $3,976,845.84
16 $5,211,291.80 $915,443.3 $4,295,848.52
17 $5,458,711.25 $838,118.0 $4,620,593.25
18 $5,706,130.70 $754,947.3 $4,951,183.38
19 $5,953,550.16 $665,826.0 $5,287,724.13
20 $6,200,969.61 $570,647.0 $5,630,322.62
21 $6,448,389.06 $469,301.2 $5,979,087.88
22 $6,695,808.52 $361,677.6 $6,334,130.92
23 $6,943,227.97 $247,663.2 $6,695,564.73
24 $7,190,647.42 $127,143.1 $7,063,504.35
NTE ARITMETICO
SALDO
$80,000,000
$79,940,000.00
$79,631,500.55
$79,070,028.65
$78,251,030.81
$77,169,871.55
$75,821,831.97
$74,202,108.22
$72,305,810.00
$70,127,958.95
$67,663,487.14
$64,907,235.37
$61,853,951.62
$58,498,289.31
$54,834,805.63
$50,857,959.78
$46,562,111.26
$41,941,518.01
$36,990,334.63
$31,702,610.50
$26,072,287.87
$20,093,199.99
$13,759,069.07
$7,063,504.35
-$0.00
P= $80,000,000
n= 24 meses
r= 22.59565% NACS
i= 23.87205% anual
i= 1.8% mensual
T= $1,500,000.00
S= 8.4085%

PLAN DE AMORTIZACION COMO GRADIENTE GEOMETRICO

PERIODO CUOTA INTERES AMORTIZACION
0
1 $1,500,000.00 $1,440,000.0 $60,000.00
2 $1,626,127.64 $1,438,920.0 $187,207.64
3 $1,762,860.73 $1,435,550.3 $327,310.47
4 $1,911,091.04 $1,429,658.7 $481,432.37
5 $2,071,785.31 $1,420,992.9 $650,792.42
6 $2,245,991.57 $1,409,278.6 $836,712.94
7 $2,434,845.98 $1,394,217.8 $1,040,628.18
8 $2,639,580.22 $1,375,486.5 $1,264,093.74
9 $2,861,529.57 $1,352,732.8 $1,508,796.77
10 $3,102,141.55 $1,325,574.5 $1,776,567.09
11 $3,362,985.41 $1,293,596.3 $2,069,389.16
12 $3,645,762.35 $1,256,347.2 $2,389,415.11
13 $3,952,316.62 $1,213,337.8 $2,738,978.84
14 $4,284,647.52 $1,164,036.2 $3,120,611.37
15 $4,644,922.51 $1,107,865.2 $3,537,057.36
16 $5,035,491.25 $1,044,198.1 $3,991,293.13
17 $5,458,901.00 $972,354.8 $4,486,546.15
18 $5,917,913.19 $891,597.0 $5,026,316.18
19 $6,415,521.47 $801,123.3 $5,614,398.15
20 $6,954,971.19 $700,064.2 $6,254,907.03
21 $7,539,780.58 $587,475.8 $6,952,304.76
22 $8,173,763.73 $462,334.3 $7,711,429.39
23 $8,861,055.41 $323,528.6 $8,537,526.80
24 $9,606,138.08 $169,853.1 $9,436,284.95
NTE GEOMETRICO
SALDO
$80,000,000
$79,940,000.00
$79,752,792.36
$79,425,481.89
$78,944,049.53
$78,293,257.11
$77,456,544.17
$76,415,915.99
$75,151,822.25
$73,643,025.48
$71,866,458.39
$69,797,069.23
$67,407,654.12
$64,668,675.28
$61,548,063.91
$58,011,006.55
$54,019,713.42
$49,533,167.27
$44,506,851.09
$38,892,452.94
$32,637,545.90
$25,685,241.14
$17,973,811.75
$9,436,284.95
$0.00