4.

5 pts
EJERCICIO 1
Valor total del préstamo $540,000
Tasa de interés anual 2.23% 26.70%
Tiempo (años) 5
Frencuencia 12
Periodos (mensualidades) 60

Pago $16,392.39

CUADRO DE AMORTIZACIÓN DE PRÉSTAMO (PAGO FIJO)

No. fecha Pago Capital Interéses Saldo

$540,000
1 12/8/2022 $16,392.39 $4,377.39 $ 12,015.00 $ 535,622.61
2 1/8/2023 $16,392.39 $4,474.79 $ 11,917.60 $ 531,147.83
3 2/8/2023 $16,392.39 $4,574.35 $ 11,818.04 $ 526,573.48
4 3/8/2023 $16,392.39 $4,676.13 $ 11,716.26 $ 521,897.35
5 4/8/2023 $16,392.39 $4,780.17 $ 11,612.22 $ 517,117.18
6 5/8/2023 $16,392.39 $4,886.53 $ 11,505.86 $ 512,230.64
7 6/8/2023 $16,392.39 $4,995.26 $ 11,397.13 $ 507,235.39
8 7/8/2023 $16,392.39 $5,106.40 $ 11,285.99 $ 502,128.99
9 8/8/2023 $16,392.39 $5,220.02 $ 11,172.37 $ 496,908.97
10 9/8/2023 $16,392.39 $5,336.16 $ 11,056.22 $ 491,572.81
11 10/8/2023 $16,392.39 $5,454.89 $ 10,937.49 $ 486,117.91
12 11/8/2023 $16,392.39 $5,576.26 $ 10,816.12 $ 480,541.65
13 12/8/2023 $16,392.39 $5,700.34 $ 10,692.05 $ 474,841.31
14 1/8/2024 $16,392.39 $5,827.17 $ 10,565.22 $ 469,014.14
15 2/8/2024 $16,392.39 $5,956.82 $ 10,435.56 $ 463,057.32
16 3/8/2024 $16,392.39 $6,089.36 $ 10,303.03 $ 456,967.95
17 4/8/2024 $16,392.39 $6,224.85 $ 10,167.54 $ 450,743.10
18 5/8/2024 $16,392.39 $6,363.35 $ 10,029.03 $ 444,379.75
19 6/8/2024 $16,392.39 $6,504.94 $ 9,887.45 $ 437,874.81
20 7/8/2024 $16,392.39 $6,649.67 $ 9,742.71 $ 431,225.14
21 8/8/2024 $16,392.39 $6,797.63 $ 9,594.76 $ 424,427.51
22 9/8/2024 $16,392.39 $6,948.88 $ 9,443.51 $ 417,478.63
23 10/8/2024 $16,392.39 $7,103.49 $ 9,288.90 $ 410,375.14
24 11/8/2024 $16,392.39 $7,261.54 $ 9,130.85 $ 403,113.60
25 12/8/2024 $16,392.39 $7,423.11 $ 8,969.28 $ 395,690.49
26 1/8/2025 $16,392.39 $7,588.28 $ 8,804.11 $ 388,102.21
27 2/8/2025 $16,392.39 $7,757.11 $ 8,635.27 $ 380,345.10
28 3/8/2025 $16,392.39 $7,929.71 $ 8,462.68 $ 372,415.39
29 4/8/2025 $16,392.39 $8,106.15 $ 8,286.24 $ 364,309.24
30 5/8/2025 $16,392.39 $8,286.51 $ 8,105.88 $ 356,022.74
31 6/8/2025 $16,392.39 $8,470.88 $ 7,921.51 $ 347,551.85
32 7/8/2025 $16,392.39 $8,659.36 $ 7,733.03 $ 338,892.49
33 8/8/2025 $16,392.39 $8,852.03 $ 7,540.36 $ 330,040.46
34 9/8/2025 $16,392.39 $9,048.99 $ 7,343.40 $ 320,991.48
35 10/8/2025 $16,392.39 $9,250.33 $ 7,142.06 $ 311,741.15
36 11/8/2025 $16,392.39 $9,456.15 $ 6,936.24 $ 302,285.00
37 12/8/2025 $16,392.39 $9,666.55 $ 6,725.84 $ 292,618.45
38 1/8/2026 $16,392.39 $9,881.63 $ 6,510.76 $ 282,736.82
39 2/8/2026 $16,392.39 $10,101.49 $ 6,290.89 $ 272,635.33
40 3/8/2026 $16,392.39 $10,326.25 $ 6,066.14 $ 262,309.08
41 4/8/2026 $16,392.39 $10,556.01 $ 5,836.38 $ 251,753.07
42 5/8/2026 $16,392.39 $10,790.88 $ 5,601.51 $ 240,962.18
43 6/8/2026 $16,392.39 $11,030.98 $ 5,361.41 $ 229,931.20
44 7/8/2026 $16,392.39 $11,276.42 $ 5,115.97 $ 218,654.78
45 8/8/2026 $16,392.39 $11,527.32 $ 4,865.07 $ 207,127.47
46 9/8/2026 $16,392.39 $11,783.80 $ 4,608.59 $ 195,343.66
47 10/8/2026 $16,392.39 $12,045.99 $ 4,346.40 $ 183,297.67
48 11/8/2026 $16,392.39 $12,314.02 $ 4,078.37 $ 170,983.66
49 12/8/2026 $16,392.39 $12,588.00 $ 3,804.39 $ 158,395.65
50 1/8/2027 $16,392.39 $12,868.09 $ 3,524.30 $ 145,527.57
51 2/8/2027 $16,392.39 $13,154.40 $ 3,237.99 $ 132,373.17
52 3/8/2027 $16,392.39 $13,447.09 $ 2,945.30 $ 118,926.08
53 4/8/2027 $16,392.39 $13,746.28 $ 2,646.11 $ 105,179.80
54 5/8/2027 $16,392.39 $14,052.14 $ 2,340.25 $ 91,127.66
55 6/8/2027 $16,392.39 $14,364.80 $ 2,027.59 $ 76,762.86
56 7/8/2027 $16,392.39 $14,684.41 $ 1,707.97 $ 62,078.45
57 8/8/2027 $16,392.39 $15,011.14 $ 1,381.25 $ 47,067.31
58 9/8/2027 $16,392.39 $15,345.14 $ 1,047.25 $ 31,722.17
59 10/8/2027 $16,392.39 $15,686.57 $ 705.82 $ 16,035.60
60 11/8/2027 $16,392.39 $16,035.60 $ 356.79 -$ 0.00
 4.5 pts
EJERCICIO 2
Valor total del préstamo $210,000
Tasa de interés anual 2.41% 28.90%
Tiempo (años) 4
Frencuencia 12
Periodos (mensualidades) 48

Pago $7,427.50

CUADRO DE AMORTIZACIÓN DE PRÉSTAMO (PAGO FIJO)

No. fecha Pago Capital Interéses Saldo

$210,000
1 12/8/2022 $7,427.50 $2,370.00 $ 5,057.50 $207,630.00
2 1/8/2023 $7,427.50 $2,427.08 $ 5,000.42 $205,202.92
3 2/8/2023 $7,427.50 $2,485.53 $ 4,941.97 $202,717.39
4 3/8/2023 $7,427.50 $2,545.39 $ 4,882.11 $200,172.00
5 4/8/2023 $7,427.50 $2,606.69 $ 4,820.81 $197,565.31
6 5/8/2023 $7,427.50 $2,669.47 $ 4,758.03 $194,895.84
7 6/8/2023 $7,427.50 $2,733.76 $ 4,693.74 $192,162.09
8 7/8/2023 $7,427.50 $2,799.60 $ 4,627.90 $189,362.49
9 8/8/2023 $7,427.50 $2,867.02 $ 4,560.48 $186,495.47
10 9/8/2023 $7,427.50 $2,936.07 $ 4,491.43 $183,559.40
11 10/8/2023 $7,427.50 $3,006.78 $ 4,420.72 $180,552.62
12 11/8/2023 $7,427.50 $3,079.19 $ 4,348.31 $177,473.43
13 12/8/2023 $7,427.50 $3,153.35 $ 4,274.15 $174,320.08
14 1/8/2024 $7,427.50 $3,229.29 $ 4,198.21 $171,090.79
15 2/8/2024 $7,427.50 $3,307.06 $ 4,120.44 $167,783.73
16 3/8/2024 $7,427.50 $3,386.71 $ 4,040.79 $164,397.02
17 4/8/2024 $7,427.50 $3,468.27 $ 3,959.23 $160,928.75
18 5/8/2024 $7,427.50 $3,551.80 $ 3,875.70 $157,376.95
19 6/8/2024 $7,427.50 $3,637.34 $ 3,790.16 $153,739.61
20 7/8/2024 $7,427.50 $3,724.94 $ 3,702.56 $150,014.67
21 8/8/2024 $7,427.50 $3,814.65 $ 3,612.85 $146,200.03
22 9/8/2024 $7,427.50 $3,906.52 $ 3,520.98 $142,293.51
23 10/8/2024 $7,427.50 $4,000.60 $ 3,426.90 $138,292.91
24 11/8/2024 $7,427.50 $4,096.95 $ 3,330.55 $134,195.97
25 12/8/2024 $7,427.50 $4,195.61 $ 3,231.89 $130,000.35
26 1/8/2025 $7,427.50 $4,296.66 $ 3,130.84 $125,703.70
27 2/8/2025 $7,427.50 $4,400.14 $ 3,027.36 $121,303.56
28 3/8/2025 $7,427.50 $4,506.11 $ 2,921.39 $116,797.45
29 4/8/2025 $7,427.50 $4,614.63 $ 2,812.87 $112,182.83
30 5/8/2025 $7,427.50 $4,725.76 $ 2,701.74 $107,457.06
31 6/8/2025 $7,427.50 $4,839.58 $ 2,587.92 $102,617.49
32 7/8/2025 $7,427.50 $4,956.13 $ 2,471.37 $97,661.36
33 8/8/2025 $7,427.50 $5,075.49 $ 2,352.01 $92,585.87
34 9/8/2025 $7,427.50 $5,197.72 $ 2,229.78 $87,388.14
35 10/8/2025 $7,427.50 $5,322.90 $ 2,104.60 $82,065.24
36 11/8/2025 $7,427.50 $5,451.10 $ 1,976.40 $76,614.15
37 12/8/2025 $7,427.50 $5,582.38 $ 1,845.12 $71,031.77
38 1/8/2026 $7,427.50 $5,716.82 $ 1,710.68 $65,314.95
39 2/8/2026 $7,427.50 $5,854.50 $ 1,573.00 $59,460.45
40 3/8/2026 $7,427.50 $5,995.49 $ 1,432.01 $53,464.96
41 4/8/2026 $7,427.50 $6,139.89 $ 1,287.61 $47,325.07
42 5/8/2026 $7,427.50 $6,287.75 $ 1,139.75 $41,037.32
43 6/8/2026 $7,427.50 $6,439.18 $ 988.32 $34,598.14
44 7/8/2026 $7,427.50 $6,594.26 $ 833.24 $28,003.87
45 8/8/2026 $7,427.50 $6,753.07 $ 674.43 $21,250.80
46 9/8/2026 $7,427.50 $6,915.71 $ 511.79 $14,335.09
47 10/8/2026 $7,427.50 $7,082.26 $ 345.24 $7,252.83
48 11/8/2026 $7,427.50 $7,252.83 $ 174.67 $0.00
 ejercicio 1
1 pts 1. ¿Cuánto toca pagar por mes ? $16,392.39
1 pts 2. ¿Cuál es su saldo en el periodo 45? $ 207,127.47
1 pts 3. ¿Cuánto abona a capital en el periodo 52?

ejercicio 2
1 pts 1. ¿Cuál es su tasa de interés anual ? 28.90%
1 pts 2. ¿Cuánto paga de intereses en el periodo 13?
1 pts 3. ¿Cuál es su saldo en el periodo 34? $87,388.14
$13,447.09

$ 4,274.15