Préstamo método italiano con tipo constante

Solución usando REN

Capital 5,000,000 Total intereses 1,323,437.50 𝑖_𝑚=𝑗_𝑚/𝑚
tipo 5.25%
plazo 120

periodo pendiente amortización intereses pago

1 5,000,000.00 41,666.67 21,875.00 63,541.67 Total intereses
2 4,958,333.33 41,666.67 21,692.71 63,359.38
3 4,916,666.67 41,666.67 21,510.42 63,177.08
4 4,875,000.00 41,666.67 21,328.13 62,994.79
5 4,833,333.33 41,666.67 21,145.83 62,812.50
6 4,791,666.67 41,666.67 20,963.54 62,630.21
7 4,750,000.00 41,666.67 20,781.25 62,447.92
8 4,708,333.33 41,666.67 20,598.96 62,265.63
9 4,666,666.67 41,666.67 20,416.67 62,083.33
10 4,625,000.00 41,666.67 20,234.38 61,901.04
11 4,583,333.33 41,666.67 20,052.08 61,718.75
12 4,541,666.67 41,666.67 19,869.79 61,536.46
13 4,500,000.00 41,666.67 19,687.50 61,354.17
14 4,458,333.33 41,666.67 19,505.21 61,171.88
15 4,416,666.67 41,666.67 19,322.92 60,989.58
16 4,375,000.00 41,666.67 19,140.63 60,807.29
Préstamo
17 4,333,333.33 41,666.67 18,958.33 60,625.00
18 4,291,666.67 41,666.67 18,776.04 60,442.71 70,000.00

19 4,250,000.00 41,666.67 18,593.75 60,260.42 60,000.00

20 4,208,333.33 41,666.67 18,411.46 60,078.13
50,000.00
21 4,166,666.67 41,666.67 18,229.17 59,895.83
22 4,125,000.00 41,666.67 18,046.88 59,713.54 40,000.00

23 4,083,333.33 41,666.67 17,864.58 59,531.25 30,000.00

24 4,041,666.67 41,666.67 17,682.29 59,348.96
20,000.00
25 4,000,000.00 41,666.67 17,500.00 59,166.67
26 3,958,333.33 41,666.67 17,317.71 58,984.38 10,000.00

27 3,916,666.67 41,666.67 17,135.42 58,802.08 0.00

1 6 11 16 21 26 31 3
28 3,875,000.00 41,666.67 16,953.13 58,619.79
29 3,833,333.33 41,666.67 16,770.83 58,437.50 amo
30 3,791,666.67 41,666.67 16,588.54 58,255.21
31 3,750,000.00 41,666.67 16,406.25 58,072.92
32 3,708,333.33 41,666.67 16,223.96 57,890.63
33 3,666,666.67 41,666.67 16,041.67 57,708.33
34 3,625,000.00 41,666.67 15,859.38 57,526.04
35 3,583,333.33 41,666.67 15,677.08 57,343.75
36 3,541,666.67 41,666.67 15,494.79 57,161.46
37 3,500,000.00 41,666.67 15,312.50 56,979.17
38 3,458,333.33 41,666.67 15,130.21 56,796.88
39 3,416,666.67 41,666.67 14,947.92 56,614.58
40 3,375,000.00 41,666.67 14,765.63 56,432.29
41 3,333,333.33 41,666.67 14,583.33 56,250.00
42 3,291,666.67 41,666.67 14,401.04 56,067.71
43 3,250,000.00 41,666.67 14,218.75 55,885.42
44 3,208,333.33 41,666.67 14,036.46 55,703.13
45 3,166,666.67 41,666.67 13,854.17 55,520.83
46 3,125,000.00 41,666.67 13,671.88 55,338.54
47 3,083,333.33 41,666.67 13,489.58 55,156.25
48 3,041,666.67 41,666.67 13,307.29 54,973.96
49 3,000,000.00 41,666.67 13,125.00 54,791.67
50 2,958,333.33 41,666.67 12,942.71 54,609.38
51 2,916,666.67 41,666.67 12,760.42 54,427.08
52 2,875,000.00 41,666.67 12,578.13 54,244.79
53 2,833,333.33 41,666.67 12,395.83 54,062.50
54 2,791,666.67 41,666.67 12,213.54 53,880.21
55 2,750,000.00 41,666.67 12,031.25 53,697.92
56 2,708,333.33 41,666.67 11,848.96 53,515.63
57 2,666,666.67 41,666.67 11,666.67 53,333.33
58 2,625,000.00 41,666.67 11,484.38 53,151.04
59 2,583,333.33 41,666.67 11,302.08 52,968.75
60 2,541,666.67 41,666.67 11,119.79 52,786.46
61 2,500,000.00 41,666.67 10,937.50 52,604.17
62 2,458,333.33 41,666.67 10,755.21 52,421.88
63 2,416,666.67 41,666.67 10,572.92 52,239.58
64 2,375,000.00 41,666.67 10,390.63 52,057.29
65 2,333,333.33 41,666.67 10,208.33 51,875.00
66 2,291,666.67 41,666.67 10,026.04 51,692.71
67 2,250,000.00 41,666.67 9,843.75 51,510.42
68 2,208,333.33 41,666.67 9,661.46 51,328.13
69 2,166,666.67 41,666.67 9,479.17 51,145.83
70 2,125,000.00 41,666.67 9,296.88 50,963.54
71 2,083,333.33 41,666.67 9,114.58 50,781.25
72 2,041,666.67 41,666.67 8,932.29 50,598.96
73 2,000,000.00 41,666.67 8,750.00 50,416.67
74 1,958,333.33 41,666.67 8,567.71 50,234.38
75 1,916,666.67 41,666.67 8,385.42 50,052.08
76 1,875,000.00 41,666.67 8,203.13 49,869.79
77 1,833,333.33 41,666.67 8,020.83 49,687.50
78 1,791,666.67 41,666.67 7,838.54 49,505.21
79 1,750,000.00 41,666.67 7,656.25 49,322.92
80 1,708,333.33 41,666.67 7,473.96 49,140.63
81 1,666,666.67 41,666.67 7,291.67 48,958.33
82 1,625,000.00 41,666.67 7,109.38 48,776.04
83 1,583,333.33 41,666.67 6,927.08 48,593.75
84 1,541,666.67 41,666.67 6,744.79 48,411.46
85 1,500,000.00 41,666.67 6,562.50 48,229.17
86 1,458,333.33 41,666.67 6,380.21 48,046.88
87 1,416,666.67 41,666.67 6,197.92 47,864.58
88 1,375,000.00 41,666.67 6,015.63 47,682.29
89 1,333,333.33 41,666.67 5,833.33 47,500.00
90 1,291,666.67 41,666.67 5,651.04 47,317.71
91 1,250,000.00 41,666.67 5,468.75 47,135.42
92 1,208,333.33 41,666.67 5,286.46 46,953.13
93 1,166,666.67 41,666.67 5,104.17 46,770.83
94 1,125,000.00 41,666.67 4,921.88 46,588.54
95 1,083,333.33 41,666.67 4,739.58 46,406.25
96 1,041,666.67 41,666.67 4,557.29 46,223.96
97 1,000,000.00 41,666.67 4,375.00 46,041.67
98 958,333.33 41,666.67 4,192.71 45,859.38
99 916,666.67 41,666.67 4,010.42 45,677.08
100 875,000.00 41,666.67 3,828.13 45,494.79
101 833,333.33 41,666.67 3,645.83 45,312.50
102 791,666.67 41,666.67 3,463.54 45,130.21
103 750,000.00 41,666.67 3,281.25 44,947.92
104 708,333.33 41,666.67 3,098.96 44,765.63
105 666,666.67 41,666.67 2,916.67 44,583.33
106 625,000.00 41,666.67 2,734.38 44,401.04
107 583,333.33 41,666.67 2,552.08 44,218.75
108 541,666.67 41,666.67 2,369.79 44,036.46
109 500,000.00 41,666.67 2,187.50 43,854.17
110 458,333.33 41,666.67 2,005.21 43,671.88
111 416,666.67 41,666.67 1,822.92 43,489.58
112 375,000.00 41,666.67 1,640.63 43,307.29
113 333,333.33 41,666.67 1,458.33 43,125.00
114 291,666.67 41,666.67 1,276.04 42,942.71
115 250,000.00 41,666.67 1,093.75 42,760.42
116 208,333.33 41,666.67 911.46 42,578.13
117 166,666.67 41,666.67 729.17 42,395.83
118 125,000.00 41,666.67 546.88 42,213.54
119 83,333.33 41,666.67 364.58 42,031.25
120 41,666.67 41,666.67 182.29 41,848.96

5,000,000.00 1,323,437.50 6,323,437.50

 Solución usando RENTAS
𝑚/𝑚
im = 0.438% TE mensual

A= 41,666.67 Amortización A_j=𝐶/𝑛= cte.

Total intereses 13,234.38 I_T=(𝐶×𝑖)/2×(𝑛+1)

Préstamo amortizaciones constantes

00.00

00.00

00.00

00.00

00.00

00.00

00.00

0.00
1 6 11 16 21 26 31 36 41 46 51 56 61 66 71 76 81 86 91 96 101106111116

amortización intereses pago

 Préstamo método americano con tipo constante
Solución usando R
Capital 5,000,000 Total intereses 1,323,437.50
tipo 5.25%
plazo 120

periodo pendiente amortización intereses pago

1 5,000,000.00 21,875.00 21,875.00 Total interese
2 5,000,000.00 21,875.00 21,875.00
3 5,000,000.00 21,875.00 21,875.00
4 5,000,000.00 21,875.00 21,875.00
5 5,000,000.00 21,875.00 21,875.00
6 5,000,000.00 21,875.00 21,875.00
7 5,000,000.00 21,875.00 21,875.00
8 5,000,000.00 21,875.00 21,875.00
9 5,000,000.00 21,875.00 21,875.00
10 5,000,000.00 21,875.00 21,875.00
11 5,000,000.00 21,875.00 21,875.00
12 5,000,000.00 21,875.00 21,875.00
13 5,000,000.00 21,875.00 21,875.00
14 5,000,000.00 21,875.00 21,875.00
15 5,000,000.00 21,875.00 21,875.00
16 5,000,000.00 21,875.00 21,875.00
Préstam
17 5,000,000.00 21,875.00 21,875.00
18 5,000,000.00 21,875.00 21,875.00 6,000,000.00

19 5,000,000.00 21,875.00 21,875.00 5,000,000.00

20 5,000,000.00 21,875.00 21,875.00
21 5,000,000.00 21,875.00 21,875.00 4,000,000.00
22 5,000,000.00 21,875.00 21,875.00
3,000,000.00
23 5,000,000.00 21,875.00 21,875.00
24 5,000,000.00 21,875.00 21,875.00 2,000,000.00
25 5,000,000.00 21,875.00 21,875.00
1,000,000.00
26 5,000,000.00 21,875.00 21,875.00
27 5,000,000.00 21,875.00 21,875.00 0.00
1 6 11 16 21 26
28 5,000,000.00 21,875.00 21,875.00
29 5,000,000.00 21,875.00 21,875.00 a
30 5,000,000.00 21,875.00 21,875.00
31 5,000,000.00 21,875.00 21,875.00
32 5,000,000.00 21,875.00 21,875.00
33 5,000,000.00 21,875.00 21,875.00
34 5,000,000.00 21,875.00 21,875.00
35 5,000,000.00 21,875.00 21,875.00
36 5,000,000.00 21,875.00 21,875.00
37 5,000,000.00 21,875.00 21,875.00
38 5,000,000.00 21,875.00 21,875.00
39 5,000,000.00 21,875.00 21,875.00
40 5,000,000.00 21,875.00 21,875.00
41 5,000,000.00 21,875.00 21,875.00
42 5,000,000.00 21,875.00 21,875.00
43 5,000,000.00 21,875.00 21,875.00
44 5,000,000.00 21,875.00 21,875.00
45 5,000,000.00 21,875.00 21,875.00
46 5,000,000.00 21,875.00 21,875.00
47 5,000,000.00 21,875.00 21,875.00
48 5,000,000.00 21,875.00 21,875.00
49 5,000,000.00 21,875.00 21,875.00
50 5,000,000.00 21,875.00 21,875.00
51 5,000,000.00 21,875.00 21,875.00
52 5,000,000.00 21,875.00 21,875.00
53 5,000,000.00 21,875.00 21,875.00
54 5,000,000.00 21,875.00 21,875.00
55 5,000,000.00 21,875.00 21,875.00
56 5,000,000.00 21,875.00 21,875.00
57 5,000,000.00 21,875.00 21,875.00
58 5,000,000.00 21,875.00 21,875.00
59 5,000,000.00 21,875.00 21,875.00
60 5,000,000.00 21,875.00 21,875.00
61 5,000,000.00 21,875.00 21,875.00
62 5,000,000.00 21,875.00 21,875.00
63 5,000,000.00 21,875.00 21,875.00
64 5,000,000.00 21,875.00 21,875.00
65 5,000,000.00 21,875.00 21,875.00
66 5,000,000.00 21,875.00 21,875.00
67 5,000,000.00 21,875.00 21,875.00
68 5,000,000.00 21,875.00 21,875.00
69 5,000,000.00 21,875.00 21,875.00
70 5,000,000.00 21,875.00 21,875.00
71 5,000,000.00 21,875.00 21,875.00
72 5,000,000.00 21,875.00 21,875.00
73 5,000,000.00 21,875.00 21,875.00
74 5,000,000.00 21,875.00 21,875.00
75 5,000,000.00 21,875.00 21,875.00
76 5,000,000.00 21,875.00 21,875.00
77 5,000,000.00 21,875.00 21,875.00
78 5,000,000.00 21,875.00 21,875.00
79 5,000,000.00 21,875.00 21,875.00
80 5,000,000.00 21,875.00 21,875.00
81 5,000,000.00 21,875.00 21,875.00
82 5,000,000.00 21,875.00 21,875.00
83 5,000,000.00 21,875.00 21,875.00
84 5,000,000.00 21,875.00 21,875.00
85 5,000,000.00 21,875.00 21,875.00
86 5,000,000.00 21,875.00 21,875.00
87 5,000,000.00 21,875.00 21,875.00
88 5,000,000.00 21,875.00 21,875.00
89 5,000,000.00 21,875.00 21,875.00
90 5,000,000.00 21,875.00 21,875.00
91 5,000,000.00 21,875.00 21,875.00
92 5,000,000.00 21,875.00 21,875.00
93 5,000,000.00 21,875.00 21,875.00
94 5,000,000.00 21,875.00 21,875.00
95 5,000,000.00 21,875.00 21,875.00
96 5,000,000.00 21,875.00 21,875.00
97 5,000,000.00 21,875.00 21,875.00
98 5,000,000.00 21,875.00 21,875.00
99 5,000,000.00 21,875.00 21,875.00
100 5,000,000.00 21,875.00 21,875.00
101 5,000,000.00 21,875.00 21,875.00
102 5,000,000.00 21,875.00 21,875.00
103 5,000,000.00 21,875.00 21,875.00
104 5,000,000.00 21,875.00 21,875.00
105 5,000,000.00 21,875.00 21,875.00
106 5,000,000.00 21,875.00 21,875.00
107 5,000,000.00 21,875.00 21,875.00
108 5,000,000.00 21,875.00 21,875.00
109 5,000,000.00 21,875.00 21,875.00
110 5,000,000.00 21,875.00 21,875.00
111 5,000,000.00 21,875.00 21,875.00
112 5,000,000.00 21,875.00 21,875.00
113 5,000,000.00 21,875.00 21,875.00
114 5,000,000.00 21,875.00 21,875.00
115 5,000,000.00 21,875.00 21,875.00
116 5,000,000.00 21,875.00 21,875.00
117 5,000,000.00 21,875.00 21,875.00
118 5,000,000.00 21,875.00 21,875.00
119 5,000,000.00 21,875.00 21,875.00
120 5,000,000.00 5,000,000.00 21,875.00 5,021,875.00

5,000,000.00 2,625,000.00 7,625,000.00

 Solución usando RENTAS

A= 41,666.67 Amortización A_j=𝐶 𝑢𝑛𝑎 𝑠𝑜𝑙𝑎 𝑣𝑒𝑧 𝑒𝑛 𝑒𝑙 ú𝑙𝑡𝑖𝑚𝑜 𝑝𝑒𝑟𝑖𝑜𝑑𝑜..

Total intereses 0.00

Préstamo amortizaciones constantes

0,000.00

0,000.00

0,000.00

0,000.00

0,000.00

0,000.00

0.00
1 6 11 16 21 26 31 36 41 46 51 56 61 66 71 76 81 86 91 96 101106111116

amortización intereses pago

𝑜 𝑝𝑒𝑟𝑖𝑜𝑑𝑜..
 Préstamo método francés con tipo constante

Capital 5,000,000 pago 53,645.85 € 53,645.85 €

tipo 5.25% nominal anual Total pagos 6,437,502.08 €
plazo 120 Total Intereses 1,437,502.08 €

periodo pendiente amortización intereses pago

1 5,000,000.00 31,770.85 21,875.00 53,645.85
2 4,968,229.15 31,909.85 21,736.00 53,645.85
3 4,936,319.30 32,049.45 21,596.40 53,645.85
4 4,904,269.85 32,189.67 21,456.18 53,645.85
5 4,872,080.18 32,330.50 21,315.35 53,645.85
6 4,839,749.68 32,471.95 21,173.90 53,645.85
7 4,807,277.73 32,614.01 21,031.84 53,645.85
8 4,774,663.72 32,756.70 20,889.15 53,645.85
9 4,741,907.02 32,900.01 20,745.84 53,645.85
10 4,709,007.02 33,043.95 20,601.91 53,645.85
11 4,675,963.07 33,188.51 20,457.34 53,645.85
12 4,642,774.56 33,333.71 20,312.14 53,645.85 60,000.00
13 4,609,440.85 33,479.55 20,166.30 53,645.85
14 4,575,961.30 33,626.02 20,019.83 53,645.85 50,000.00

15 4,542,335.28 33,773.13 19,872.72 53,645.85

40,000.00
16 4,508,562.15 33,920.89 19,724.96 53,645.85
17 4,474,641.26 34,069.30 19,576.56 53,645.85
30,000.00
18 4,440,571.96 34,218.35 19,427.50 53,645.85
19 4,406,353.61 34,368.05 19,277.80 53,645.85 20,000.00
20 4,371,985.56 34,518.41 19,127.44 53,645.85
21 4,337,467.14 34,669.43 18,976.42 53,645.85 10,000.00
22 4,302,797.71 34,821.11 18,824.74 53,645.85
23 4,267,976.60 34,973.45 18,672.40 53,645.85 0.00
1 6 11 16 21
24 4,233,003.15 35,126.46 18,519.39 53,645.85
25 4,197,876.69 35,280.14 18,365.71 53,645.85
26 4,162,596.55 35,434.49 18,211.36 53,645.85
27 4,127,162.06 35,589.52 18,056.33 53,645.85
28 4,091,572.54 35,745.22 17,900.63 53,645.85
29 4,055,827.32 35,901.61 17,744.24 53,645.85
30 4,019,925.71 36,058.68 17,587.17 53,645.85
31 3,983,867.04 36,216.43 17,429.42 53,645.85
32 3,947,650.60 36,374.88 17,270.97 53,645.85
33 3,911,275.72 36,534.02 17,111.83 53,645.85
34 3,874,741.70 36,693.86 16,951.99 53,645.85
35 3,838,047.85 36,854.39 16,791.46 53,645.85
36 3,801,193.46 37,015.63 16,630.22 53,645.85
37 3,764,177.83 37,177.57 16,468.28 53,645.85
38 3,727,000.26 37,340.22 16,305.63 53,645.85
39 3,689,660.03 37,503.59 16,142.26 53,645.85
40 3,652,156.44 37,667.67 15,978.18 53,645.85
41 3,614,488.78 37,832.46 15,813.39 53,645.85
42 3,576,656.31 37,997.98 15,647.87 53,645.85
43 3,538,658.33 38,164.22 15,481.63 53,645.85
44 3,500,494.11 38,331.19 15,314.66 53,645.85
45 3,462,162.93 38,498.89 15,146.96 53,645.85
46 3,423,664.04 38,667.32 14,978.53 53,645.85
47 3,384,996.72 38,836.49 14,809.36 53,645.85
48 3,346,160.23 39,006.40 14,639.45 53,645.85
49 3,307,153.83 39,177.05 14,468.80 53,645.85
50 3,267,976.77 39,348.45 14,297.40 53,645.85
51 3,228,628.32 39,520.60 14,125.25 53,645.85
52 3,189,107.72 39,693.50 13,952.35 53,645.85
53 3,149,414.22 39,867.16 13,778.69 53,645.85
54 3,109,547.05 40,041.58 13,604.27 53,645.85
55 3,069,505.47 40,216.76 13,429.09 53,645.85
56 3,029,288.71 40,392.71 13,253.14 53,645.85
57 2,988,895.99 40,569.43 13,076.42 53,645.85
58 2,948,326.56 40,746.92 12,898.93 53,645.85
59 2,907,579.64 40,925.19 12,720.66 53,645.85
60 2,866,654.45 41,104.24 12,541.61 53,645.85
61 2,825,550.21 41,284.07 12,361.78 53,645.85
62 2,784,266.14 41,464.69 12,181.16 53,645.85
63 2,742,801.46 41,646.09 11,999.76 53,645.85
64 2,701,155.36 41,828.30 11,817.55 53,645.85
65 2,659,327.07 42,011.29 11,634.56 53,645.85
66 2,617,315.77 42,195.09 11,450.76 53,645.85
67 2,575,120.68 42,379.70 11,266.15 53,645.85
68 2,532,740.98 42,565.11 11,080.74 53,645.85
69 2,490,175.87 42,751.33 10,894.52 53,645.85
70 2,447,424.54 42,938.37 10,707.48 53,645.85
71 2,404,486.17 43,126.22 10,519.63 53,645.85
72 2,361,359.95 43,314.90 10,330.95 53,645.85
73 2,318,045.05 43,504.40 10,141.45 53,645.85
74 2,274,540.64 43,694.74 9,951.12 53,645.85
75 2,230,845.91 43,885.90 9,759.95 53,645.85
76 2,186,960.01 44,077.90 9,567.95 53,645.85
77 2,142,882.11 44,270.74 9,375.11 53,645.85
78 2,098,611.37 44,464.43 9,181.42 53,645.85
79 2,054,146.94 44,658.96 8,986.89 53,645.85
80 2,009,487.98 44,854.34 8,791.51 53,645.85
81 1,964,633.64 45,050.58 8,595.27 53,645.85
82 1,919,583.06 45,247.67 8,398.18 53,645.85
83 1,874,335.39 45,445.63 8,200.22 53,645.85
84 1,828,889.76 45,644.46 8,001.39 53,645.85
85 1,783,245.30 45,844.15 7,801.70 53,645.85
86 1,737,401.15 46,044.72 7,601.13 53,645.85
87 1,691,356.43 46,246.17 7,399.68 53,645.85
88 1,645,110.26 46,448.49 7,197.36 53,645.85
89 1,598,661.77 46,651.71 6,994.15 53,645.85
90 1,552,010.06 46,855.81 6,790.04 53,645.85
91 1,505,154.25 47,060.80 6,585.05 53,645.85
92 1,458,093.45 47,266.69 6,379.16 53,645.85
93 1,410,826.76 47,473.48 6,172.37 53,645.85
94 1,363,353.28 47,681.18 5,964.67 53,645.85
95 1,315,672.10 47,889.79 5,756.07 53,645.85
96 1,267,782.31 48,099.30 5,546.55 53,645.85
97 1,219,683.01 48,309.74 5,336.11 53,645.85
98 1,171,373.27 48,521.09 5,124.76 53,645.85
99 1,122,852.18 48,733.37 4,912.48 53,645.85
100 1,074,118.81 48,946.58 4,699.27 53,645.85
101 1,025,172.22 49,160.72 4,485.13 53,645.85
102 976,011.50 49,375.80 4,270.05 53,645.85
103 926,635.70 49,591.82 4,054.03 53,645.85
104 877,043.88 49,808.78 3,837.07 53,645.85
105 827,235.10 50,026.70 3,619.15 53,645.85
106 777,208.40 50,245.56 3,400.29 53,645.85
107 726,962.84 50,465.39 3,180.46 53,645.85
108 676,497.45 50,686.17 2,959.68 53,645.85
109 625,811.28 50,907.93 2,737.92 53,645.85
110 574,903.35 51,130.65 2,515.20 53,645.85
111 523,772.70 51,354.35 2,291.51 53,645.85
112 472,418.36 51,579.02 2,066.83 53,645.85
113 420,839.33 51,804.68 1,841.17 53,645.85
114 369,034.66 52,031.32 1,614.53 53,645.85
115 317,003.33 52,258.96 1,386.89 53,645.85
116 264,744.37 52,487.59 1,158.26 53,645.85
117 212,256.78 52,717.23 928.62 53,645.85
118 159,539.55 52,947.87 697.99 53,645.85
119 106,591.68 53,179.51 466.34 53,645.85
120 53,412.17 53,412.17 233.68 53,645.85

5,000,000.00 1,437,502.08 6,437,502.08

 Solución usando RENTAS 𝑎_├ ¯(𝒏∙)]𝑖=(1−(1
𝑖_𝑚=𝑗_𝑚/𝑚 im = 0.438% TE mensual

〖𝑉 _0=𝐶∙𝑎 〗 _├
¯(𝒏∙)]𝑖
a 120¬ 1,0% = 93.2039 𝐴_1=𝐶−𝐼_1=𝐶− 〖𝑉 _0∙𝑖 〗 _𝑚
Pago C = 53,645.85 €/mes
I1 = 21,875.00
A1 = 31,770.85 𝐴_𝑘=𝐴_1∙(1+𝑖)^(𝑘−1)

Préstamo método francés

60,000.00

50,000.00

40,000.00

30,000.00

20,000.00

10,000.00

0.00
1 6 11 16 21 26 31 36 41 46 51 56 61 66 71 76 81 86 91 96 101 106 111 116

amortización intereses pago

(𝒏∙)]𝑖=(1−(1+𝑖)^(−𝑛))/𝑖
Préstamo método francés con tipo constante pero varios….

Capital 5,000,000
tipo 12.00% nominal anual
plazo 12

Segundo periodo
tipo 5.00% nominal anual
plazo 6

periodo pendiente amortización Tipo de interés intereses pago

1 5,000,000.00 254,910.24 12.00% 50,000.00 304,910.24
2 4,745,089.76 257,459.34 12.00% 47,450.90 304,910.24
3 4,487,630.42 260,033.94 12.00% 44,876.30 304,910.24
4 4,227,596.48 262,634.27 12.00% 42,275.96 304,910.24
5 3,964,962.21 265,260.62 12.00% 39,649.62 304,910.24
6 3,699,701.59 267,913.22 12.00% 36,997.02 304,910.24
7 3,431,788.37 270,592.36 12.00% 34,317.88 304,910.24
8 3,161,196.01 273,298.28 12.00% 31,611.96 304,910.24
9 2,887,897.73 276,031.26 12.00% 28,878.98 304,910.24
10 2,611,866.47 278,791.57 12.00% 26,118.66 304,910.24
11 2,333,074.90 281,579.49 12.00% 23,330.75 304,910.24
12 2,051,495.41 284,395.29 12.00% 20,514.95 304,910.24
13 1,767,100.12 291,463.69 5.00% 7,362.92 298,826.60
14 1,475,636.43 292,678.12 5.00% 6,148.49 298,826.60
15 1,182,958.31 293,897.61 5.00% 4,928.99 298,826.60
16 889,060.70 295,122.18 5.00% 3,704.42 298,826.60
17 593,938.52 296,351.86 5.00% 2,474.74 298,826.60
18 297,586.66 297,586.66 5.00% 1,239.94 298,826.60
0.00
 Préstamo método francés con tipo constante

Capital 50,000 pago 710.25 € 710.25

tipo 12.00% Total pagos 85,230.27 €
plazo 120 Total Interes 35,230.27 €

periodo pendiente amortización intereses pago

Pr
0 50,000.00 500.00 500.00
1 50,000.00 210.25 500.00 710.25 800

2 49,789.75 212.35 497.90 710.25 700

3 49,577.39 214.48 495.77 710.25
4 49,362.91 216.62 493.63 710.25 600

5 49,146.29 218.79 491.46 710.25 500

6 48,927.50 220.98 489.28 710.25
7 48,706.53 223.19 487.07 710.25 400

8 48,483.34 225.42 484.83 710.25 300

9 48,257.92 227.67 482.58 710.25
10 48,030.25 229.95 480.30 710.25 200

11 47,800.30 232.25 478.00 710.25 100

12 47,568.05 234.57 475.68 710.25
13 47,333.48 236.92 473.33 710.25 0
0 5 10 15 20 25 30 35
14 47,096.56 239.29 470.97 710.25
a
15 46,857.27 241.68 468.57 710.25
16 46,615.59 244.10 466.16 710.25
17 46,371.50 246.54 463.71 710.25
18 46,124.96 249.00 461.25 710.25
19 45,875.96 251.49 458.76 710.25
20 45,624.46 254.01 456.24 710.25
21 45,370.46 256.55 453.70 710.25
22 45,113.91 259.11 451.14 710.25
23 44,854.79 261.70 448.55 710.25
24 44,593.09 264.32 445.93 710.25
25 44,328.77 266.96 443.29 710.25
26 44,061.80 269.63 440.62 710.25
27 43,792.17 272.33 437.92 710.25
28 43,519.84 275.05 435.20 710.25
29 43,244.79 277.80 432.45 710.25
30 42,966.98 280.58 429.67 710.25
31 42,686.40 283.39 426.86 710.25
32 42,403.01 286.22 424.03 710.25
33 42,116.79 289.08 421.17 710.25
34 41,827.70 291.98 418.28 710.25
35 41,535.73 294.89 415.36 710.25
36 41,240.83 297.84 412.41 710.25
37 40,942.99 300.82 409.43 710.25
38 40,642.17 303.83 406.42 710.25
39 40,338.34 306.87 403.38 710.25
40 40,031.47 309.94 400.31 710.25
41 39,721.53 313.04 397.22 710.25
42 39,408.49 316.17 394.08 710.25
43 39,092.33 319.33 390.92 710.25
44 38,773.00 322.52 387.73 710.25
45 38,450.48 325.75 384.50 710.25
46 38,124.73 329.00 381.25 710.25
47 37,795.72 332.29 377.96 710.25
48 37,463.43 335.62 374.63 710.25
49 37,127.81 338.97 371.28 710.25
50 36,788.84 342.36 367.89 710.25
51 36,446.47 345.79 364.46 710.25
52 36,100.69 349.25 361.01 710.25
53 35,751.44 352.74 357.51 710.25
54 35,398.70 356.27 353.99 710.25
55 35,042.44 359.83 350.42 710.25
56 34,682.61 363.43 346.83 710.25
57 34,319.18 367.06 343.19 710.25
58 33,952.12 370.73 339.52 710.25
59 33,581.39 374.44 335.81 710.25
60 33,206.95 378.18 332.07 710.25
61 32,828.77 381.96 328.29 710.25
62 32,446.81 385.78 324.47 710.25
63 32,061.02 389.64 320.61 710.25
64 31,671.38 393.54 316.71 710.25
65 31,277.84 397.47 312.78 710.25
66 30,880.37 401.45 308.80 710.25
67 30,478.92 405.46 304.79 710.25
68 30,073.46 409.52 300.73 710.25
69 29,663.94 413.61 296.64 710.25
70 29,250.33 417.75 292.50 710.25
71 28,832.58 421.93 288.33 710.25
72 28,410.65 426.15 284.11 710.25
73 27,984.50 430.41 279.85 710.25
74 27,554.10 434.71 275.54 710.25
75 27,119.39 439.06 271.19 710.25
76 26,680.33 443.45 266.80 710.25
77 26,236.88 447.88 262.37 710.25
78 25,789.00 452.36 257.89 710.25
79 25,336.63 456.89 253.37 710.25
80 24,879.75 461.45 248.80 710.25
81 24,418.29 466.07 244.18 710.25
82 23,952.22 470.73 239.52 710.25
83 23,481.49 475.44 234.81 710.25
84 23,006.06 480.19 230.06 710.25
85 22,525.86 484.99 225.26 710.25
86 22,040.87 489.84 220.41 710.25
87 21,551.03 494.74 215.51 710.25
88 21,056.29 499.69 210.56 710.25
89 20,556.60 504.69 205.57 710.25
90 20,051.91 509.73 200.52 710.25
91 19,542.18 514.83 195.42 710.25
92 19,027.35 519.98 190.27 710.25
93 18,507.37 525.18 185.07 710.25
94 17,982.19 530.43 179.82 710.25
95 17,451.76 535.73 174.52 710.25
96 16,916.02 541.09 169.16 710.25
97 16,374.93 546.50 163.75 710.25
98 15,828.43 551.97 158.28 710.25
99 15,276.46 557.49 152.76 710.25
100 14,718.97 563.06 147.19 710.25
101 14,155.91 568.69 141.56 710.25
102 13,587.22 574.38 135.87 710.25
103 13,012.84 580.12 130.13 710.25
104 12,432.71 585.93 124.33 710.25
105 11,846.79 591.78 118.47 710.25
106 11,255.00 597.70 112.55 710.25
107 10,657.30 603.68 106.57 710.25
108 10,053.62 609.72 100.54 710.25
109 9,443.91 615.81 94.44 710.25
110 8,828.09 621.97 88.28 710.25
111 8,206.12 628.19 82.06 710.25
112 7,577.93 634.47 75.78 710.25
113 6,943.46 640.82 69.43 710.25
114 6,302.64 647.23 63.03 710.25
115 5,655.42 653.70 56.55 710.25
116 5,001.72 660.24 50.02 710.25
117 4,341.48 666.84 43.41 710.25
118 3,674.64 673.51 36.75 710.25
119 3,001.14 680.24 30.01 710.25
120 2,320.90 687.04 23.21 710.25

48,366.15 36,864.12 85,230.27

 Préstamo método alemán
800

700

600

500

400

300

200

100

0
0 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100 105 110 115 120

amortización intereses pago

rentas Muchos Capitales: por ejemplo cada mes, cada año, et

capitalización / descuento Un ÚNICO CAPITAL

tipo de renta

renta capitales constantes

tipos de rentas
renta capitales en progr. Geométrica

renta capitales en progr. Aritmética

Prepago Cualquiera que sea la fórmula hay que multiplicarla por (1+i)

Rentas perpétuas Siempre se valoran al inicio (VALOR ACTUAL, nunca valor final)

4% 0.04

𝐶_𝑛=(1+𝑖)^(−𝑛)=1/(1+𝑖)^𝑛
 incremento
SIEMPRE CAPITALIZACIÓN COMPUESTA 20%

simple y compuesta 1.20

Capital Capital
progr.
Constante Geométrica

1 10,000 10,000
"pista para distinguirlas"
2 10,000 13,000
TODOS los periodos EL MISMO IMPORTE
3 10,000 16,900
% de incremento Ci = q Ci-1
4 10,000 20,280
incremento constante Ci = Ci-1 + Cte
5 10,000 24,336
6 10,000 29,203
7 10,000 35,044
8 10,000 42,053
ltiplicarla por (1+i) 9 10,000 50,463
10 10,000 60,556
11 10,000 72,667
AL, nunca valor final) 12 10,000 87,200
incremento
200

Capital
progr.
Aritmética
10,000

10,200

10,400

10,600

10,800
11,000
11,200
11,400
11,600
11,800
12,000
12,200
 4.00% 0.04 (1+𝑖)=(1+𝑖_𝑚
1.00% )^𝑚=(1+𝑗_𝑚/𝑚)^𝑚
0.208% 0.0021 0.000003

0.9853%
0.9853%

(1+𝑇𝐸𝐴)=(1+𝑖_𝑚 )^𝑚

(1+𝑇𝐸𝐴)=(1+ 〖𝑇𝐸〗 _𝑚 )^𝑚

√(𝑚&(1+𝑇𝐸𝐴) )=√(𝑚&(1+
〖𝑇𝐸〗 _𝑚 )^𝑚 )
√(𝑚&(1+𝑇𝐸𝐴) )=(1+ 〖𝑇𝐸〗 _𝑚 )

(1+ 〖𝑇𝐸〗 _𝑚 )=√(𝑚&(1+𝑇𝐸𝐴) )

〖𝑇𝐸〗 _𝑚=𝑖_𝑚= √(𝑚&(1+𝑇𝐸𝐴) ) - 1

(1+𝑖)^(1⁄𝑚) - 1
TEA = 10% 0.8333%
TET = 2.41137%
(1+𝑖_𝑚 )^𝑚=(1+𝑗_𝑚/𝑚)^𝑚

1+𝑖_𝑚=1+𝑗_𝑚/𝑚

〖〖𝑇𝐸〗 _𝑚=𝑖 〗 _𝑚=𝑗_𝑚/𝑚 TEM

+𝑖_𝑚
_𝑚/𝑚)^𝑚

m
TEA Tipo Equivalente Anual 1
TES Tipo Equivalente Semestral 2
TEC Tipo Equivalente Cuatrimestral 3
TET Tipo Equivalente Trimestral 4
TEB Tipo Equivalente Bimestral 6
TEM Tipo Equivalente Mensual 12

^𝑚
+

〗 _𝑚 ) TEA 8.00%

𝐸𝐴) ) TET 4 1.94%

𝑇𝐸𝐴) ) - 1 =
𝑚

8% nominal
0.6667%
Importe 500,000
√(𝑚&(1+𝑇𝐸𝐴) )=(1+𝑖_𝑚 )^
interés 4.25%
nº años 15

Acumulado=C ×i ×n+C C_𝑡=C_0

Capitalización simple…. Interés simple
× 〖 (1+𝑖) 〗 ^𝑛
Capitalización compuesta…. Interés compuest

periodo Capital intereses acumulado periodo Capital

1 500,000 21,250 521,250 1 500,000
2 500,000 21,250 542,500 2 521,250
3 500,000 21,250 563,750 3 543,403
4 500,000 21,250 585,000 4 566,498
5 500,000 21,250 606,250 5 590,574
6 500,000 21,250 627,500 6 615,673
7 500,000 21,250 648,750 7 641,839
8 500,000 21,250 670,000 8 669,118
9 500,000 21,250 691,250 9 697,555
10 500,000 21,250 712,500 10 727,201
11 500,000 21,250 733,750 11 758,107
12 500,000 21,250 755,000 12 790,327
13 500,000 21,250 776,250 13 823,916
14 500,000 21,250 797,500 14 858,932
15 500,000 21,250 818,750 15 895,437

818,750
+𝑖_𝑚 )^

Ct=C0*(1+i)n

C_0
Alt + 94
^
1+𝑖) 〗 ^𝑛
compuesta…. Interés compuesto

intereses acumulado
21,250 521,250
22,153 543,403
23,095 566,498
24,076 590,574
25,099 615,673
26,166 641,839
27,278 669,118
28,437 697,555
29,646 727,201
30,906 758,107
32,220 790,327
33,589 823,916
35,016 858,932
36,505 895,437
38,056 933,493

933,493 933,493