T5. Ejemplos. Enunciados

Amortización de un préstamo de cuota constante (método francés)
Periodo: 20 trimestres Cap. prestado: € 150,000.00 Tipo interés: 6.50%

Tipo de Término Cuota de Cuota de Capital
Periodo Capital vivo
interés amortizativo intereses amortización amortizado
(1) (2) (3) (4) (5) (6) (7)
0 150,000.00 €
1 1.63% - 8,844.90 € 2,437.50 € - 6,407.40 € - 6,407.40 € 143,592.60 €
2 1.63% - 8,844.90 € 2,333.38 € - 6,511.52 € - 12,918.91 € 137,081.09 €
3 1.63% - 8,844.90 € 2,227.57 € - 6,617.33 € - 19,536.24 € 130,463.76 €
4 1.63% - 8,844.90 € 2,120.04 € - 6,724.86 € - 26,261.10 € 123,738.90 €
5 1.63% - 8,844.90 € 2,010.76 € - 6,834.14 € - 33,095.24 € 116,904.76 €
6 1.63% - 8,844.90 € 1,899.70 € - 6,945.19 € - 40,040.43 € 109,959.57 €
7 1.63% - 8,844.90 € 1,786.84 € - 7,058.05 € - 47,098.48 € 102,901.52 €
8 1.63% - 8,844.90 € 1,672.15 € - 7,172.75 € - 54,271.23 € 95,728.77 €
9 1.63% - 8,844.90 € 1,555.59 € - 7,289.30 € - 61,560.53 € 88,439.47 €
10 1.63% - 8,844.90 € 1,437.14 € - 7,407.75 € - 68,968.29 € 81,031.71 €
11 1.63% - 8,844.90 € 1,316.77 € - 7,528.13 € - 76,496.42 € 73,503.58 €
12 1.63% - 8,844.90 € 1,194.43 € - 7,650.46 € - 84,146.88 € 65,853.12 €
13 1.63% - 8,844.90 € 1,070.11 € - 7,774.78 € - 91,921.66 € 58,078.34 €
14 1.63% - 8,844.90 € 943.77 € - 7,901.12 € - 99,822.78 € 50,177.22 €
15 1.63% - 8,844.90 € 815.38 € - 8,029.52 € - 107,852.30 € 42,147.70 €
16 1.63% - 8,844.90 € 684.90 € - 8,160.00 € - 116,012.30 € 33,987.70 €
17 1.63% - 8,844.90 € 552.30 € - 8,292.60 € - 124,304.89 € 25,695.11 €
18 1.63% - 8,844.90 € 417.55 € - 8,427.35 € - 132,732.24 € 17,267.76 €
19 1.63% - 8,844.90 € 280.60 € - 8,564.29 € - 141,296.54 € 8,703.46 €
20 1.63% - 8,844.90 € 141.43 € - 8,703.46 € - 150,000.00 € - €
TOTAL - 176,897.91 € 26,897.91 € - 150,000.00 €
4,000 €
2,000 €
-€
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
-2,000 €
-4,000 €
-6,000 €
-8,000 €
-10,000 €
Trimestre
Cuota de intereses (4) Cuota de amortización (5)
Amortización de un préstamo de cuota constante (método francés)
(1) (2) (3) (4) (5) (6) (7)
0 150,000.00 €
1 1.63% 2,437.50 € 2,437.50 € 150,000.00 €
2 1.63% 2,437.50 € 2,437.50 € 150,000.00 €
3 1.63% 2,437.50 € 2,437.50 € 150,000.00 €
4 1.63% 2,437.50 € 2,437.50 € 150,000.00 €
5 1.63% 10,722.05 € 2,437.50 € 8,284.55 € 8,284.55 € 141,715.45 €
6 1.63% 10,722.05 € 2,302.88 € 8,419.17 € 16,703.72 € 133,296.28 €
7 1.63% 10,722.05 € 2,166.06 € 8,555.98 € 25,259.70 € 124,740.30 €
8 1.63% 10,722.05 € 2,027.03 € 8,695.02 € 33,954.72 € 116,045.28 €
9 1.63% 10,722.05 € 1,885.74 € 8,836.31 € 42,791.03 € 107,208.97 €
10 1.63% 10,722.05 € 1,742.15 € 8,979.90 € 51,770.93 € 98,229.07 €
11 1.63% 10,722.05 € 1,596.22 € 9,125.82 € 60,896.76 € 89,103.24 €
12 1.63% 10,722.05 € 1,447.93 € 9,274.12 € 70,170.88 € 79,829.12 €
13 1.63% 10,722.05 € 1,297.22 € 9,424.82 € 79,595.70 € 70,404.30 €
14 1.63% 10,722.05 € 1,144.07 € 9,577.98 € 89,173.68 € 60,826.32 €
15 1.63% 10,722.05 € 988.43 € 9,733.62 € 98,907.30 € 51,092.70 €
16 1.63% 10,722.05 € 830.26 € 9,891.79 € 108,799.09 € 41,200.91 €
17 1.63% 10,722.05 € 669.51 € 10,052.53 € 118,851.62 € 31,148.38 €
18 1.63% 10,722.05 € 506.16 € 10,215.89 € 129,067.51 € 20,932.49 €
19 1.63% 10,722.05 € 340.15 € 10,381.89 € 139,449.40 € 10,550.60 €
20 1.63% 10,722.05 € 171.45 € 10,550.60 € 150,000.00 € - €
TOTAL 181,302.76 € 31,302.76 € 150,000.00 €
12,000 €
10,000 €
8,000 €
6,000 €
4,000 €
2,000 €
-€
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Trimestre
Amortización de un préstamo de amortización constante
Periodo: 72 meses Cap. prestado: € 300,000.00 Tipo interés: 6.00%
(1) (2) (3) (4) (5) (6) (7)
0 300,000.00 €
1 0.50% 5,666.67 € 1,500.00 € 4,166.67 € 4,166.67 € 295,833.33 €
2 0.50% 5,645.83 € 1,479.17 € 4,166.67 € 8,333.33 € 291,666.67 €
3 0.50% 5,625.00 € 1,458.33 € 4,166.67 € 12,500.00 € 287,500.00 €
4 0.50% 5,604.17 € 1,437.50 € 4,166.67 € 16,666.67 € 283,333.33 €
5 0.50% 5,583.33 € 1,416.67 € 4,166.67 € 20,833.33 € 279,166.67 €
6 0.50% 5,562.50 € 1,395.83 € 4,166.67 € 25,000.00 € 275,000.00 €
7 0.50% 5,541.67 € 1,375.00 € 4,166.67 € 29,166.67 € 270,833.33 €
8 0.50% 5,520.83 € 1,354.17 € 4,166.67 € 33,333.33 € 266,666.67 €
9 0.50% 5,500.00 € 1,333.33 € 4,166.67 € 37,500.00 € 262,500.00 €
10 0.50% 5,479.17 € 1,312.50 € 4,166.67 € 41,666.67 € 258,333.33 €
11 0.50% 5,458.33 € 1,291.67 € 4,166.67 € 45,833.33 € 254,166.67 €
12 0.50% 5,437.50 € 1,270.83 € 4,166.67 € 50,000.00 € 250,000.00 €
13 0.50% 5,416.67 € 1,250.00 € 4,166.67 € 54,166.67 € 245,833.33 €
14 0.50% 5,395.83 € 1,229.17 € 4,166.67 € 58,333.33 € 241,666.67 €
15 0.50% 5,375.00 € 1,208.33 € 4,166.67 € 62,500.00 € 237,500.00 €
16 0.50% 5,354.17 € 1,187.50 € 4,166.67 € 66,666.67 € 233,333.33 €
17 0.50% 5,333.33 € 1,166.67 € 4,166.67 € 70,833.33 € 229,166.67 €
18 0.50% 5,312.50 € 1,145.83 € 4,166.67 € 75,000.00 € 225,000.00 €
19 0.50% 5,291.67 € 1,125.00 € 4,166.67 € 79,166.67 € 220,833.33 €
20 0.50% 5,270.83 € 1,104.17 € 4,166.67 € 83,333.33 € 216,666.67 €
21 0.50% 5,250.00 € 1,083.33 € 4,166.67 € 87,500.00 € 212,500.00 €
22 0.50% 5,229.17 € 1,062.50 € 4,166.67 € 91,666.67 € 208,333.33 €
23 0.50% 5,208.33 € 1,041.67 € 4,166.67 € 95,833.33 € 204,166.67 €
24 0.50% 5,187.50 € 1,020.83 € 4,166.67 € 100,000.00 € 200,000.00 €
25 0.50% 5,166.67 € 1,000.00 € 4,166.67 € 104,166.67 € 195,833.33 €
26 0.50% 5,145.83 € 979.17 € 4,166.67 € 108,333.33 € 191,666.67 €
27 0.50% 5,125.00 € 958.33 € 4,166.67 € 112,500.00 € 187,500.00 €
28 0.50% 5,104.17 € 937.50 € 4,166.67 € 116,666.67 € 183,333.33 €
29 0.50% 5,083.33 € 916.67 € 4,166.67 € 120,833.33 € 179,166.67 €
30 0.50% 5,062.50 € 895.83 € 4,166.67 € 125,000.00 € 175,000.00 €
31 0.50% 5,041.67 € 875.00 € 4,166.67 € 129,166.67 € 170,833.33 €
32 0.50% 5,020.83 € 854.17 € 4,166.67 € 133,333.33 € 166,666.67 €
33 0.50% 5,000.00 € 833.33 € 4,166.67 € 137,500.00 € 162,500.00 €
34 0.50% 4,979.17 € 812.50 € 4,166.67 € 141,666.67 € 158,333.33 €
35 0.50% 4,958.33 € 791.67 € 4,166.67 € 145,833.33 € 154,166.67 €
36 0.50% 4,937.50 € 770.83 € 4,166.67 € 150,000.00 € 150,000.00 €
37 0.50% 4,916.67 € 750.00 € 4,166.67 € 154,166.67 € 145,833.33 €
38 0.50% 4,895.83 € 729.17 € 4,166.67 € 158,333.33 € 141,666.67 €
39 0.50% 4,875.00 € 708.33 € 4,166.67 € 162,500.00 € 137,500.00 €
40 0.50% 4,854.17 € 687.50 € 4,166.67 € 166,666.67 € 133,333.33 €
41 0.50% 4,833.33 € 666.67 € 4,166.67 € 170,833.33 € 129,166.67 €
42 0.50% 4,812.50 € 645.83 € 4,166.67 € 175,000.00 € 125,000.00 €
43 0.50% 4,791.67 € 625.00 € 4,166.67 € 179,166.67 € 120,833.33 €
44 0.50% 4,770.83 € 604.17 € 4,166.67 € 183,333.33 € 116,666.67 €
45 0.50% 4,750.00 € 583.33 € 4,166.67 € 187,500.00 € 112,500.00 €
46 0.50% 4,729.17 € 562.50 € 4,166.67 € 191,666.67 € 108,333.33 €
47 0.50% 4,708.33 € 541.67 € 4,166.67 € 195,833.33 € 104,166.67 €
48 0.50% 4,687.50 € 520.83 € 4,166.67 € 200,000.00 € 100,000.00 €
49 0.50% 4,666.67 € 500.00 € 4,166.67 € 204,166.67 € 95,833.33 €
50 0.50% 4,645.83 € 479.17 € 4,166.67 € 208,333.33 € 91,666.67 €
51 0.50% 4,625.00 € 458.33 € 4,166.67 € 212,500.00 € 87,500.00 €
52 0.50% 4,604.17 € 437.50 € 4,166.67 € 216,666.67 € 83,333.33 €
53 0.50% 4,583.33 € 416.67 € 4,166.67 € 220,833.33 € 79,166.67 €
54 0.50% 4,562.50 € 395.83 € 4,166.67 € 225,000.00 € 75,000.00 €
55 0.50% 4,541.67 € 375.00 € 4,166.67 € 229,166.67 € 70,833.33 €
56 0.50% 4,520.83 € 354.17 € 4,166.67 € 233,333.33 € 66,666.67 €
57 0.50% 4,500.00 € 333.33 € 4,166.67 € 237,500.00 € 62,500.00 €
58 0.50% 4,479.17 € 312.50 € 4,166.67 € 241,666.67 € 58,333.33 €
59 0.50% 4,458.33 € 291.67 € 4,166.67 € 245,833.33 € 54,166.67 €
60 0.50% 4,437.50 € 270.83 € 4,166.67 € 250,000.00 € 50,000.00 €
61 0.50% 4,416.67 € 250.00 € 4,166.67 € 254,166.67 € 45,833.33 €
62 0.50% 4,395.83 € 229.17 € 4,166.67 € 258,333.33 € 41,666.67 €
63 0.50% 4,375.00 € 208.33 € 4,166.67 € 262,500.00 € 37,500.00 €
64 0.50% 4,354.17 € 187.50 € 4,166.67 € 266,666.67 € 33,333.33 €
65 0.50% 4,333.33 € 166.67 € 4,166.67 € 270,833.33 € 29,166.67 €
66 0.50% 4,312.50 € 145.83 € 4,166.67 € 275,000.00 € 25,000.00 €
67 0.50% 4,291.67 € 125.00 € 4,166.67 € 279,166.67 € 20,833.33 €
68 0.50% 4,270.83 € 104.17 € 4,166.67 € 283,333.33 € 16,666.67 €
69 0.50% 4,250.00 € 83.33 € 4,166.67 € 287,500.00 € 12,500.00 €
70 0.50% 4,229.17 € 62.50 € 4,166.67 € 291,666.67 € 8,333.33 €
71 0.50% 4,208.33 € 41.67 € 4,166.67 € 295,833.33 € 4,166.67 €
72 0.50% 4,187.50 € 20.83 € 4,166.67 € 300,000.00 € 0.00 €
TOTAL 354,750.00 € 54,750.00 € 300,000.00 €
6,000 €
5,000 €
4,000 €
3,000 €
2,000 €
1,000 €
-€
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Mes
Amortización de un préstamo de amortización constante
Periodo: 72 meses Cap. prestado: € 300,000.00 Tipo interés: 6.00%
(1) (2) (3) (4) (5) (6) (7)
0 300,000.00 €
1 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
2 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
3 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
4 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
5 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
6 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
7 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
8 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
9 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
10 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
11 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
12 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
13 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
14 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
15 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
16 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
17 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
18 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
19 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
20 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
21 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
22 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
23 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
24 0.50% 1,500.00 € 1,500.00 € - € 300,000.00 €
25 0.50% 7,750.00 € 1,500.00 € 6,250.00 € 6,250.00 € 293,750.00 €
26 0.50% 7,718.75 € 1,468.75 € 6,250.00 € 12,500.00 € 287,500.00 €
27 0.50% 7,687.50 € 1,437.50 € 6,250.00 € 18,750.00 € 281,250.00 €
28 0.50% 7,656.25 € 1,406.25 € 6,250.00 € 25,000.00 € 275,000.00 €
29 0.50% 7,625.00 € 1,375.00 € 6,250.00 € 31,250.00 € 268,750.00 €
30 0.50% 7,593.75 € 1,343.75 € 6,250.00 € 37,500.00 € 262,500.00 €
31 0.50% 7,562.50 € 1,312.50 € 6,250.00 € 43,750.00 € 256,250.00 €
32 0.50% 7,531.25 € 1,281.25 € 6,250.00 € 50,000.00 € 250,000.00 €
33 0.50% 7,500.00 € 1,250.00 € 6,250.00 € 56,250.00 € 243,750.00 €
34 0.50% 7,468.75 € 1,218.75 € 6,250.00 € 62,500.00 € 237,500.00 €
35 0.50% 7,437.50 € 1,187.50 € 6,250.00 € 68,750.00 € 231,250.00 €
36 0.50% 7,406.25 € 1,156.25 € 6,250.00 € 75,000.00 € 225,000.00 €
37 0.50% 7,375.00 € 1,125.00 € 6,250.00 € 81,250.00 € 218,750.00 €
38 0.50% 7,343.75 € 1,093.75 € 6,250.00 € 87,500.00 € 212,500.00 €
39 0.50% 7,312.50 € 1,062.50 € 6,250.00 € 93,750.00 € 206,250.00 €
40 0.50% 7,281.25 € 1,031.25 € 6,250.00 € 100,000.00 € 200,000.00 €
41 0.50% 7,250.00 € 1,000.00 € 6,250.00 € 106,250.00 € 193,750.00 €
42 0.50% 7,218.75 € 968.75 € 6,250.00 € 112,500.00 € 187,500.00 €
43 0.50% 7,187.50 € 937.50 € 6,250.00 € 118,750.00 € 181,250.00 €
44 0.50% 7,156.25 € 906.25 € 6,250.00 € 125,000.00 € 175,000.00 €
45 0.50% 7,125.00 € 875.00 € 6,250.00 € 131,250.00 € 168,750.00 €
46 0.50% 7,093.75 € 843.75 € 6,250.00 € 137,500.00 € 162,500.00 €
47 0.50% 7,062.50 € 812.50 € 6,250.00 € 143,750.00 € 156,250.00 €
48 0.50% 7,031.25 € 781.25 € 6,250.00 € 150,000.00 € 150,000.00 €
49 0.50% 7,000.00 € 750.00 € 6,250.00 € 156,250.00 € 143,750.00 €
50 0.50% 6,968.75 € 718.75 € 6,250.00 € 162,500.00 € 137,500.00 €
51 0.50% 6,937.50 € 687.50 € 6,250.00 € 168,750.00 € 131,250.00 €
52 0.50% 6,906.25 € 656.25 € 6,250.00 € 175,000.00 € 125,000.00 €
53 0.50% 6,875.00 € 625.00 € 6,250.00 € 181,250.00 € 118,750.00 €
54 0.50% 6,843.75 € 593.75 € 6,250.00 € 187,500.00 € 112,500.00 €
55 0.50% 6,812.50 € 562.50 € 6,250.00 € 193,750.00 € 106,250.00 €
56 0.50% 6,781.25 € 531.25 € 6,250.00 € 200,000.00 € 100,000.00 €
57 0.50% 6,750.00 € 500.00 € 6,250.00 € 206,250.00 € 93,750.00 €
58 0.50% 6,718.75 € 468.75 € 6,250.00 € 212,500.00 € 87,500.00 €
59 0.50% 6,687.50 € 437.50 € 6,250.00 € 218,750.00 € 81,250.00 €
60 0.50% 6,656.25 € 406.25 € 6,250.00 € 225,000.00 € 75,000.00 €
61 0.50% 6,625.00 € 375.00 € 6,250.00 € 231,250.00 € 68,750.00 €
62 0.50% 6,593.75 € 343.75 € 6,250.00 € 237,500.00 € 62,500.00 €
63 0.50% 6,562.50 € 312.50 € 6,250.00 € 243,750.00 € 56,250.00 €
64 0.50% 6,531.25 € 281.25 € 6,250.00 € 250,000.00 € 50,000.00 €
65 0.50% 6,500.00 € 250.00 € 6,250.00 € 256,250.00 € 43,750.00 €
66 0.50% 6,468.75 € 218.75 € 6,250.00 € 262,500.00 € 37,500.00 €
67 0.50% 6,437.50 € 187.50 € 6,250.00 € 268,750.00 € 31,250.00 €
68 0.50% 6,406.25 € 156.25 € 6,250.00 € 275,000.00 € 25,000.00 €
69 0.50% 6,375.00 € 125.00 € 6,250.00 € 281,250.00 € 18,750.00 €
70 0.50% 6,343.75 € 93.75 € 6,250.00 € 287,500.00 € 12,500.00 €
71 0.50% 6,312.50 € 62.50 € 6,250.00 € 293,750.00 € 6,250.00 €
72 0.50% 6,281.25 € 31.25 € 6,250.00 € 300,000.00 € - €
TOTAL 372,750.00 € 72,750.00 € 300,000.00 €
9,000 €
8,000 €
7,000 €
6,000 €
5,000 €
4,000 €
3,000 €
2,000 €
1,000 €
-€
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Mes
Amortización de un préstamo de cuota constante (método francés) TABLA BLANCA EJERCICIO 4
Tipo de Término Cuota de Cuota de Capital Entrada/salida
Periodo Capital vivo Otros gastos
interés amortizativo intereses amortización amortizado (Flujo caja)
(1) (2) (3) (4) (5) (6) (7) (8) (9)
0 150,000.00 € 3,450.00 € 146,550.00 €
1 1.63% 2,437.50 € 2,437.50 € 150,000.00 € 150.00 € -2,587.50 €
2 1.63% 2,437.50 € 2,437.50 € 150,000.00 € 150.00 € -2,587.50 €
3 1.63% 2,437.50 € 2,437.50 € 150,000.00 € 150.00 € -2,587.50 €
4 1.63% 2,437.50 € 2,437.50 € 150,000.00 € 150.00 € -2,587.50 €
5 1.63% 10,722.05 € 2,437.50 € 8,284.55 € 8,284.55 € 141,715.45 € 150.00 € -10,872.05 €
6 1.63% 10,722.05 € 2,302.88 € 8,419.17 € 16,703.72 € 133,296.28 € 141.72 € -10,863.76 €
7 1.63% 10,722.05 € 2,166.06 € 8,555.98 € 25,259.70 € 124,740.30 € 133.30 € -10,855.34 €
8 1.63% 10,722.05 € 2,027.03 € 8,695.02 € 33,954.72 € 116,045.28 € 124.74 € -10,846.79 €
9 1.63% 10,722.05 € 1,885.74 € 8,836.31 € 42,791.03 € 107,208.97 € 116.05 € -10,838.09 €
10 1.63% 10,722.05 € 1,742.15 € 8,979.90 € 51,770.93 € 98,229.07 € 107.21 € -10,829.26 €
11 1.63% 10,722.05 € 1,596.22 € 9,125.82 € 60,896.76 € 89,103.24 € 98.23 € -10,820.28 €
12 1.63% 10,722.05 € 1,447.93 € 9,274.12 € 70,170.88 € 79,829.12 € 89.10 € -10,811.15 €
13 1.63% 10,722.05 € 1,297.22 € 9,424.82 € 79,595.70 € 70,404.30 € 79.83 € -10,801.88 €
14 1.63% 10,722.05 € 1,144.07 € 9,577.98 € 89,173.68 € 60,826.32 € 70.40 € -10,792.45 €
15 1.63% 10,722.05 € 988.43 € 9,733.62 € 98,907.30 € 51,092.70 € 60.83 € -10,782.87 €
16 1.63% 10,722.05 € 830.26 € 9,891.79 € 108,799.09 € 41,200.91 € 51.09 € -10,773.14 €
17 1.63% 10,722.05 € 669.51 € 10,052.53 € 118,851.62 € 31,148.38 € 41.20 € -10,763.25 €
18 1.63% 10,722.05 € 506.16 € 10,215.89 € 129,067.51 € 20,932.49 € 31.15 € -10,753.20 €
19 1.63% 10,722.05 € 340.15 € 10,381.89 € 139,449.40 € 10,550.60 € 20.93 € -10,742.98 €
20 1.63% 10,722.05 € 171.45 € 10,550.60 € 150,000.00 € - € 510.55 € -11,232.60 €
TOTAL 181,302.76 € 31,302.76 € 150,000.00 € TIR= 1.95% trimestral
TIE 8.04% anual
Amortización de una emisión de obligaciones
Periodo: 20 semestres Total emisión € 100,000,000.00 Tipo interés: 7.00%
Tipo de Término Cuota de Entrada/salida
Periodo Cuota de intereses Capital amortizado Capital vivo Otros gastos
interés amortizativo amortización (Flujo caja)
(1) (2) (3) (4) (5) (6) (7) (8) (9)
0 100,000,000.00 € 500,000.00 € 99,500,000.00 €
1 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
2 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
3 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
4 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
5 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
6 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
7 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
8 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
9 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
10 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
11 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
12 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
13 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
14 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
15 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
16 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
17 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
18 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
19 3.5% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
20 3.5% 103,500,000.00 € 3,500,000.00 € 100,000,000.00 € 100,000,000.00 € 400,000.00 € -103,900,000.00 €
TOTAL 170,000,000.00 € 70,000,000.00 € 100,000,000.00 € TIR= 3.84% semestral
7.83% anual
Amortización de una emisión de obligaciones
Periodo: 20 semestres Total emisión € 100,000,000.00 Tipo interés: 7.00%
Tipo de Término Cuota de Entrada/salida
Periodo Cuota de intereses Capital amortizado Capital vivo Otros gastos
interés amortizativo amortización (Flujo caja)
(1) (2) (3) (4) (5) (6) (7) (8) (9)
0 100,000,000.00 € 500,000.00 € 99,500,000.00 €
1 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
2 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
3 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
4 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
5 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
6 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
7 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
8 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
9 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
10 3.50% 3,500,000.00 € 3,500,000.00 € 100,000,000.00 € 300,000.00 € -3,800,000.00 €
11 3.50% 13,500,000.00 € 3,500,000.00 € 10,000,000.00 € 10,000,000.00 € 90,000,000.00 € 300,000.00 € -14,800,000.00 €
12 3.50% 13,150,000.00 € 3,150,000.00 € 10,000,000.00 € 20,000,000.00 € 80,000,000.00 € 270,000.00 € -14,420,000.00 €
13 3.50% 12,800,000.00 € 2,800,000.00 € 10,000,000.00 € 30,000,000.00 € 70,000,000.00 € 240,000.00 € -14,040,000.00 €
14 3.50% 12,450,000.00 € 2,450,000.00 € 10,000,000.00 € 40,000,000.00 € 60,000,000.00 € 210,000.00 € -13,660,000.00 €
15 3.50% 12,100,000.00 € 2,100,000.00 € 10,000,000.00 € 50,000,000.00 € 50,000,000.00 € 180,000.00 € -13,280,000.00 €
16 3.50% 11,750,000.00 € 1,750,000.00 € 10,000,000.00 € 60,000,000.00 € 40,000,000.00 € 150,000.00 € -12,900,000.00 €
17 3.50% 11,400,000.00 € 1,400,000.00 € 10,000,000.00 € 70,000,000.00 € 30,000,000.00 € 120,000.00 € -12,520,000.00 €
18 3.50% 11,050,000.00 € 1,050,000.00 € 10,000,000.00 € 80,000,000.00 € 20,000,000.00 € 90,000.00 € -12,140,000.00 €
19 3.50% 10,700,000.00 € 700,000.00 € 10,000,000.00 € 90,000,000.00 € 10,000,000.00 € 60,000.00 € -11,760,000.00 €
20 3.50% 10,350,000.00 € 350,000.00 € 10,000,000.00 € 100,000,000.00 € - € 130,000.00 € -11,480,000.00 €
TOTAL 154,250,000.00 € 54,250,000.00 € 100,000,000.00 € TIR= 4.32% semestral
8.83% anual

T5. Ejemplos. Enunciados

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Amortización de un préstamo de cuota constante (método francés)

Periodo: 20 trimestres Cap. prestado: € 150,000.00 Tipo interés: 6.50%

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