CASO CONDICIONES NORMALES

CREDITO HIPOTECARIO EN CONDICIONES NORMALES

SISTEMA DE CUOTA FIJA X
VALOR CREDITO $ 80,000,000 P
TASA DE INTERES 1.50% Mensual i
PLAZO 180 n
CUOTA $ 1,288,337 X X

ABONO
MES SALDO CAPITAL CUOTA MENSUAL INTERESES
CAPITAL
0 $ 80,000,000 X
1 $ 79,911,663 $ 1,288,337 $ 1,200,000 $ 88,337
2 $ 79,822,001 $ 1,288,337 $ 1,198,675 $ 89,662
3 $ 79,730,994 $ 1,288,337 $ 1,197,330 $ 91,007 X
4 $ 79,638,623 $ 1,288,337 $ 1,195,965 $ 92,372
5 $ 79,544,865 $ 1,288,337 $ 1,194,579 $ 93,757 X
6 $ 79,449,701 $ 1,288,337 $ 1,193,173 $ 95,164
7 $ 79,353,110 $ 1,288,337 $ 1,191,746 $ 96,591
8 $ 79,255,070 $ 1,288,337 $ 1,190,297 $ 98,040
9 $ 79,155,559 $ 1,288,337 $ 1,188,826 $ 99,511
10 $ 79,054,555 $ 1,288,337 $ 1,187,333 $ 101,003
11 $ 78,952,037 $ 1,288,337 $ 1,185,818 $ 102,518
12 $ 78,847,981 $ 1,288,337 $ 1,184,281 $ 104,056
13 $ 78,742,364 $ 1,288,337 $ 1,182,720 $ 105,617
14 $ 78,635,162 $ 1,288,337 $ 1,181,135 $ 107,201
15 $ 78,526,353 $ 1,288,337 $ 1,179,527 $ 108,809
16 $ 78,415,911 $ 1,288,337 $ 1,177,895 $ 110,442
17 $ 78,303,813 $ 1,288,337 $ 1,176,239 $ 112,098
18 $ 78,190,033 $ 1,288,337 $ 1,174,557 $ 113,780
19 $ 78,074,547 $ 1,288,337 $ 1,172,851 $ 115,486
20 $ 77,957,329 $ 1,288,337 $ 1,171,118 $ 117,219
21 $ 77,838,352 $ 1,288,337 $ 1,169,360 $ 118,977
22 $ 77,717,590 $ 1,288,337 $ 1,167,575 $ 120,762
23 $ 77,595,017 $ 1,288,337 $ 1,165,764 $ 122,573
24 $ 77,470,605 $ 1,288,337 $ 1,163,925 $ 124,412
25 $ 77,344,328 $ 1,288,337 $ 1,162,059 $ 126,278
26 $ 77,216,156 $ 1,288,337 $ 1,160,165 $ 128,172
27 $ 77,086,061 $ 1,288,337 $ 1,158,242 $ 130,094
28 $ 76,954,015 $ 1,288,337 $ 1,156,291 $ 132,046
29 $ 76,819,989 $ 1,288,337 $ 1,154,310 $ 134,027
30 $ 76,683,952 $ 1,288,337 $ 1,152,300 $ 136,037
31 $ 76,545,874 $ 1,288,337 $ 1,150,259 $ 138,078
32 $ 76,405,726 $ 1,288,337 $ 1,148,188 $ 140,149
33 $ 76,263,475 $ 1,288,337 $ 1,146,086 $ 142,251
34 $ 76,119,090 $ 1,288,337 $ 1,143,952 $ 144,385
35 $ 75,972,539 $ 1,288,337 $ 1,141,786 $ 146,550
36 $ 75,823,791 $ 1,288,337 $ 1,139,588 $ 148,749
37 $ 75,672,811 $ 1,288,337 $ 1,137,357 $ 150,980
38 $ 75,519,566 $ 1,288,337 $ 1,135,092 $ 153,245
39 $ 75,364,023 $ 1,288,337 $ 1,132,793 $ 155,543
40 $ 75,206,146 $ 1,288,337 $ 1,130,460 $ 157,876
41 $ 75,045,902 $ 1,288,337 $ 1,128,092 $ 160,245
42 $ 74,883,253 $ 1,288,337 $ 1,125,689 $ 162,648
43 $ 74,718,165 $ 1,288,337 $ 1,123,249 $ 165,088
44 $ 74,550,601 $ 1,288,337 $ 1,120,772 $ 167,564
45 $ 74,380,523 $ 1,288,337 $ 1,118,259 $ 170,078
46 $ 74,207,894 $ 1,288,337 $ 1,115,708 $ 172,629
47 $ 74,032,676 $ 1,288,337 $ 1,113,118 $ 175,218
48 $ 73,854,829 $ 1,288,337 $ 1,110,490 $ 177,847
49 $ 73,674,315 $ 1,288,337 $ 1,107,822 $ 180,514
50 $ 73,491,092 $ 1,288,337 $ 1,105,115 $ 183,222
51 $ 73,305,122 $ 1,288,337 $ 1,102,366 $ 185,970
52 $ 73,116,362 $ 1,288,337 $ 1,099,577 $ 188,760
53 $ 72,924,771 $ 1,288,337 $ 1,096,745 $ 191,591
54 $ 72,730,305 $ 1,288,337 $ 1,093,872 $ 194,465
55 $ 72,532,923 $ 1,288,337 $ 1,090,955 $ 197,382
56 $ 72,332,580 $ 1,288,337 $ 1,087,994 $ 200,343
57 $ 72,129,232 $ 1,288,337 $ 1,084,989 $ 203,348
58 $ 71,922,834 $ 1,288,337 $ 1,081,938 $ 206,398
59 $ 71,713,339 $ 1,288,337 $ 1,078,843 $ 209,494
60 $ 71,500,703 $ 1,288,337 $ 1,075,700 $ 212,637
61 $ 71,284,876 $ 1,288,337 $ 1,072,511 $ 215,826
62 $ 71,065,813 $ 1,288,337 $ 1,069,273 $ 219,064
63 $ 70,843,463 $ 1,288,337 $ 1,065,987 $ 222,350
64 $ 70,617,778 $ 1,288,337 $ 1,062,652 $ 225,685
65 $ 70,388,708 $ 1,288,337 $ 1,059,267 $ 229,070
66 $ 70,156,202 $ 1,288,337 $ 1,055,831 $ 232,506
67 $ 69,920,208 $ 1,288,337 $ 1,052,343 $ 235,994
68 $ 69,680,674 $ 1,288,337 $ 1,048,803 $ 239,534
69 $ 69,437,547 $ 1,288,337 $ 1,045,210 $ 243,127
70 $ 69,190,774 $ 1,288,337 $ 1,041,563 $ 246,774
71 $ 68,940,299 $ 1,288,337 $ 1,037,862 $ 250,475
72 $ 68,686,066 $ 1,288,337 $ 1,034,104 $ 254,232
73 $ 68,428,020 $ 1,288,337 $ 1,030,291 $ 258,046
74 $ 68,166,104 $ 1,288,337 $ 1,026,420 $ 261,917
75 $ 67,900,259 $ 1,288,337 $ 1,022,492 $ 265,845
76 $ 67,630,426 $ 1,288,337 $ 1,018,504 $ 269,833
77 $ 67,356,545 $ 1,288,337 $ 1,014,456 $ 273,880
78 $ 67,078,556 $ 1,288,337 $ 1,010,348 $ 277,989
79 $ 66,796,398 $ 1,288,337 $ 1,006,178 $ 282,158
80 $ 66,510,007 $ 1,288,337 $ 1,001,946 $ 286,391
81 $ 66,219,320 $ 1,288,337 $ 997,650 $ 290,687
82 $ 65,924,273 $ 1,288,337 $ 993,290 $ 295,047
83 $ 65,624,801 $ 1,288,337 $ 988,864 $ 299,473
84 $ 65,320,836 $ 1,288,337 $ 984,372 $ 303,965
 85 $ 65,012,312 $ 1,288,337 $ 979,813 $ 308,524
86 $ 64,699,159 $ 1,288,337 $ 975,185 $ 313,152
87 $ 64,381,310 $ 1,288,337 $ 970,487 $ 317,849
88 $ 64,058,693 $ 1,288,337 $ 965,720 $ 322,617
89 $ 63,731,236 $ 1,288,337 $ 960,880 $ 327,456
90 $ 63,398,868 $ 1,288,337 $ 955,969 $ 332,368
91 $ 63,061,514 $ 1,288,337 $ 950,983 $ 337,354
92 $ 62,719,100 $ 1,288,337 $ 945,923 $ 342,414
93 $ 62,371,550 $ 1,288,337 $ 940,787 $ 347,550
94 $ 62,018,786 $ 1,288,337 $ 935,573 $ 352,764
95 $ 61,660,731 $ 1,288,337 $ 930,282 $ 358,055
96 $ 61,297,305 $ 1,288,337 $ 924,911 $ 363,426
97 $ 60,928,428 $ 1,288,337 $ 919,460 $ 368,877
98 $ 60,554,018 $ 1,288,337 $ 913,926 $ 374,410
99 $ 60,173,991 $ 1,288,337 $ 908,310 $ 380,027
100 $ 59,788,264 $ 1,288,337 $ 902,610 $ 385,727
101 $ 59,396,751 $ 1,288,337 $ 896,824 $ 391,513
102 $ 58,999,366 $ 1,288,337 $ 890,951 $ 397,386
103 $ 58,596,019 $ 1,288,337 $ 884,990 $ 403,346
104 $ 58,186,623 $ 1,288,337 $ 878,940 $ 409,397
105 $ 57,771,085 $ 1,288,337 $ 872,799 $ 415,537
106 $ 57,349,315 $ 1,288,337 $ 866,566 $ 421,771
107 $ 56,921,218 $ 1,288,337 $ 860,240 $ 428,097
108 $ 56,486,699 $ 1,288,337 $ 853,818 $ 434,519
109 $ 56,045,663 $ 1,288,337 $ 847,300 $ 441,036
110 $ 55,598,011 $ 1,288,337 $ 840,685 $ 447,652
111 $ 55,143,644 $ 1,288,337 $ 833,970 $ 454,367
112 $ 54,682,462 $ 1,288,337 $ 827,155 $ 461,182
113 $ 54,214,362 $ 1,288,337 $ 820,237 $ 468,100
114 $ 53,739,241 $ 1,288,337 $ 813,215 $ 475,121
115 $ 53,256,992 $ 1,288,337 $ 806,089 $ 482,248
116 $ 52,767,511 $ 1,288,337 $ 798,855 $ 489,482
117 $ 52,270,686 $ 1,288,337 $ 791,513 $ 496,824
118 $ 51,766,410 $ 1,288,337 $ 784,060 $ 504,277
119 $ 51,254,569 $ 1,288,337 $ 776,496 $ 511,841
120 $ 50,735,051 $ 1,288,337 $ 768,819 $ 519,518
121 $ 50,207,740 $ 1,288,337 $ 761,026 $ 527,311
122 $ 49,672,519 $ 1,288,337 $ 753,116 $ 535,221
123 $ 49,129,270 $ 1,288,337 $ 745,088 $ 543,249
124 $ 48,577,872 $ 1,288,337 $ 736,939 $ 551,398
125 $ 48,018,203 $ 1,288,337 $ 728,668 $ 559,669
126 $ 47,450,140 $ 1,288,337 $ 720,273 $ 568,064
127 $ 46,873,555 $ 1,288,337 $ 711,752 $ 576,585
128 $ 46,288,321 $ 1,288,337 $ 703,103 $ 585,234
129 $ 45,694,309 $ 1,288,337 $ 694,325 $ 594,012
130 $ 45,091,387 $ 1,288,337 $ 685,415 $ 602,922
131 $ 44,479,421 $ 1,288,337 $ 676,371 $ 611,966
132 $ 43,858,276 $ 1,288,337 $ 667,191 $ 621,146
133 $ 43,227,813 $ 1,288,337 $ 657,874 $ 630,463
134 $ 42,587,893 $ 1,288,337 $ 648,417 $ 639,920
135 $ 41,938,375 $ 1,288,337 $ 638,818 $ 649,518
136 $ 41,279,114 $ 1,288,337 $ 629,076 $ 659,261
137 $ 40,609,964 $ 1,288,337 $ 619,187 $ 669,150
138 $ 39,930,776 $ 1,288,337 $ 609,149 $ 679,187
139 $ 39,241,401 $ 1,288,337 $ 598,962 $ 689,375
140 $ 38,541,685 $ 1,288,337 $ 588,621 $ 699,716
141 $ 37,831,474 $ 1,288,337 $ 578,125 $ 710,212
142 $ 37,110,609 $ 1,288,337 $ 567,472 $ 720,865
143 $ 36,378,931 $ 1,288,337 $ 556,659 $ 731,678
144 $ 35,636,278 $ 1,288,337 $ 545,684 $ 742,653
145 $ 34,882,486 $ 1,288,337 $ 534,544 $ 753,793
146 $ 34,117,386 $ 1,288,337 $ 523,237 $ 765,100
147 $ 33,340,810 $ 1,288,337 $ 511,761 $ 776,576
148 $ 32,552,585 $ 1,288,337 $ 500,112 $ 788,225
149 $ 31,752,537 $ 1,288,337 $ 488,289 $ 800,048
150 $ 30,940,489 $ 1,288,337 $ 476,288 $ 812,049
151 $ 30,116,259 $ 1,288,337 $ 464,107 $ 824,230
152 $ 29,279,666 $ 1,288,337 $ 451,744 $ 836,593
153 $ 28,430,524 $ 1,288,337 $ 439,195 $ 849,142
154 $ 27,568,645 $ 1,288,337 $ 426,458 $ 861,879
155 $ 26,693,838 $ 1,288,337 $ 413,530 $ 874,807
156 $ 25,805,909 $ 1,288,337 $ 400,408 $ 887,929
157 $ 24,904,661 $ 1,288,337 $ 387,089 $ 901,248
158 $ 23,989,894 $ 1,288,337 $ 373,570 $ 914,767
159 $ 23,061,405 $ 1,288,337 $ 359,848 $ 928,488
160 $ 22,118,990 $ 1,288,337 $ 345,921 $ 942,416
161 $ 21,162,438 $ 1,288,337 $ 331,785 $ 956,552
162 $ 20,191,537 $ 1,288,337 $ 317,437 $ 970,900
163 $ 19,206,074 $ 1,288,337 $ 302,873 $ 985,464
164 $ 18,205,828 $ 1,288,337 $ 288,091 $ 1,000,246
165 $ 17,190,579 $ 1,288,337 $ 273,087 $ 1,015,249
166 $ 16,160,100 $ 1,288,337 $ 257,859 $ 1,030,478
167 $ 15,114,165 $ 1,288,337 $ 242,402 $ 1,045,935
168 $ 14,052,541 $ 1,288,337 $ 226,712 $ 1,061,624
169 $ 12,974,992 $ 1,288,337 $ 210,788 $ 1,077,549
170 $ 11,881,280 $ 1,288,337 $ 194,625 $ 1,093,712
171 $ 10,771,162 $ 1,288,337 $ 178,219 $ 1,110,118
172 $ 9,644,393 $ 1,288,337 $ 161,567 $ 1,126,769
173 $ 8,500,722 $ 1,288,337 $ 144,666 $ 1,143,671
174 $ 7,339,896 $ 1,288,337 $ 127,511 $ 1,160,826
175 $ 6,161,658 $ 1,288,337 $ 110,098 $ 1,178,238
176 $ 4,965,746 $ 1,288,337 $ 92,425 $ 1,195,912
177 $ 3,751,895 $ 1,288,337 $ 74,486 $ 1,213,851
178 $ 2,519,837 $ 1,288,337 $ 56,278 $ 1,232,058
179 $ 1,269,297 $ 1,288,337 $ 37,798 $ 1,250,539
180 $0 $ 1,288,337 $ 19,039 $ 1,269,297
TOTAL $ 231,900,630 $ 151,900,630 $ 80,000,000
= P i(1+i)^n
i(1+i)^n-1

= $ 80,000,000 1.50% 14.584368

1.50% 13.584368

= $ 80,000,000 1.50% 1.07361402628

= $ 80,000,000 0.0161042104

= $ 1,288,337

REGISTRO CONTABLE RECONOCIMIENTO INICIAL

CODIGO CUENTA DEBE HABER

210505 BANCOS NAL ###
111005 BANCOS NAL $ 80,000,000

CODIGO CUENTA DEBE HABER

210505 BANCOS NAL $ 88,337
530520 INTERESE $ 1,200,000
111005 BANCOS $ 1,288,337
 CASO 2 BUSCAR UNA TASA DE INTERES MAS BAJA
CREDITO HIPOTECARIO EN CONDICIONES NORMALES
SISTEMA DE CUOTA FIJA X
VALOR CREDITO $ 80,000,000 P
TASA DE INTERES 1.40% Mensual i
PLAZO 180 n
CUOTA $ 1,219,882 X X

ABONO
MES SALDO CAPITAL CUOTA MENSUAL INTERESES
CAPITAL
0 $ 80,000,000 X
1 $ 79,900,118 $ 1,219,882 $ 1,120,000 $ 99,882
2 $ 79,798,838 $ 1,219,882 $ 1,118,602 $ 101,280
3 $ 79,696,140 $ 1,219,882 $ 1,117,184 $ 102,698 X
4 $ 79,592,005 $ 1,219,882 $ 1,115,746 $ 104,136
5 $ 79,486,411 $ 1,219,882 $ 1,114,288 $ 105,594 X
6 $ 79,379,339 $ 1,219,882 $ 1,112,810 $ 107,072
7 $ 79,270,768 $ 1,219,882 $ 1,111,311 $ 108,571
8 $ 79,160,677 $ 1,219,882 $ 1,109,791 $ 110,091
9 $ 79,049,045 $ 1,219,882 $ 1,108,249 $ 111,632
10 $ 78,935,850 $ 1,219,882 $ 1,106,687 $ 113,195
11 $ 78,821,070 $ 1,219,882 $ 1,105,102 $ 114,780
12 $ 78,704,684 $ 1,219,882 $ 1,103,495 $ 116,387
13 $ 78,586,668 $ 1,219,882 $ 1,101,866 $ 118,016
14 $ 78,466,999 $ 1,219,882 $ 1,100,213 $ 119,668
15 $ 78,345,655 $ 1,219,882 $ 1,098,538 $ 121,344
16 $ 78,222,613 $ 1,219,882 $ 1,096,839 $ 123,042
17 $ 78,097,848 $ 1,219,882 $ 1,095,117 $ 124,765
18 $ 77,971,336 $ 1,219,882 $ 1,093,370 $ 126,512
19 $ 77,843,053 $ 1,219,882 $ 1,091,599 $ 128,283
20 $ 77,712,974 $ 1,219,882 $ 1,089,803 $ 130,079
21 $ 77,581,074 $ 1,219,882 $ 1,087,982 $ 131,900
22 $ 77,447,328 $ 1,219,882 $ 1,086,135 $ 133,747
23 $ 77,311,708 $ 1,219,882 $ 1,084,263 $ 135,619
24 $ 77,174,191 $ 1,219,882 $ 1,082,364 $ 137,518
25 $ 77,034,748 $ 1,219,882 $ 1,080,439 $ 139,443
26 $ 76,893,352 $ 1,219,882 $ 1,078,486 $ 141,395
27 $ 76,749,978 $ 1,219,882 $ 1,076,507 $ 143,375
28 $ 76,604,596 $ 1,219,882 $ 1,074,500 $ 145,382
29 $ 76,457,178 $ 1,219,882 $ 1,072,464 $ 147,417
30 $ 76,307,697 $ 1,219,882 $ 1,070,400 $ 149,481
31 $ 76,156,123 $ 1,219,882 $ 1,068,308 $ 151,574
32 $ 76,002,427 $ 1,219,882 $ 1,066,186 $ 153,696
33 $ 75,846,580 $ 1,219,882 $ 1,064,034 $ 155,848
34 $ 75,688,550 $ 1,219,882 $ 1,061,852 $ 158,030
35 $ 75,528,308 $ 1,219,882 $ 1,059,640 $ 160,242
36 $ 75,365,823 $ 1,219,882 $ 1,057,396 $ 162,485
37 $ 75,201,063 $ 1,219,882 $ 1,055,122 $ 164,760
38 $ 75,033,996 $ 1,219,882 $ 1,052,815 $ 167,067
39 $ 74,864,590 $ 1,219,882 $ 1,050,476 $ 169,406
40 $ 74,692,813 $ 1,219,882 $ 1,048,104 $ 171,777
41 $ 74,518,630 $ 1,219,882 $ 1,045,699 $ 174,182
42 $ 74,342,010 $ 1,219,882 $ 1,043,261 $ 176,621
43 $ 74,162,916 $ 1,219,882 $ 1,040,788 $ 179,094
44 $ 73,981,315 $ 1,219,882 $ 1,038,281 $ 181,601
45 $ 73,797,172 $ 1,219,882 $ 1,035,738 $ 184,143
46 $ 73,610,451 $ 1,219,882 $ 1,033,160 $ 186,721
47 $ 73,421,115 $ 1,219,882 $ 1,030,546 $ 189,335
48 $ 73,229,129 $ 1,219,882 $ 1,027,896 $ 191,986
49 $ 73,034,455 $ 1,219,882 $ 1,025,208 $ 194,674
50 $ 72,837,056 $ 1,219,882 $ 1,022,482 $ 197,399
51 $ 72,636,893 $ 1,219,882 $ 1,019,719 $ 200,163
52 $ 72,433,928 $ 1,219,882 $ 1,016,917 $ 202,965
53 $ 72,228,121 $ 1,219,882 $ 1,014,075 $ 205,807
54 $ 72,019,433 $ 1,219,882 $ 1,011,194 $ 208,688
55 $ 71,807,824 $ 1,219,882 $ 1,008,272 $ 211,610
56 $ 71,593,252 $ 1,219,882 $ 1,005,310 $ 214,572
57 $ 71,375,676 $ 1,219,882 $ 1,002,306 $ 217,576
58 $ 71,155,053 $ 1,219,882 $ 999,259 $ 220,622
59 $ 70,931,342 $ 1,219,882 $ 996,171 $ 223,711
60 $ 70,704,499 $ 1,219,882 $ 993,039 $ 226,843
61 $ 70,474,481 $ 1,219,882 $ 989,863 $ 230,019
62 $ 70,241,242 $ 1,219,882 $ 986,643 $ 233,239
63 $ 70,004,738 $ 1,219,882 $ 983,377 $ 236,504
64 $ 69,764,922 $ 1,219,882 $ 980,066 $ 239,815
65 $ 69,521,749 $ 1,219,882 $ 976,709 $ 243,173
66 $ 69,275,172 $ 1,219,882 $ 973,304 $ 246,577
67 $ 69,025,143 $ 1,219,882 $ 969,852 $ 250,029
68 $ 68,771,613 $ 1,219,882 $ 966,352 $ 253,530
69 $ 68,514,534 $ 1,219,882 $ 962,803 $ 257,079
70 $ 68,253,856 $ 1,219,882 $ 959,203 $ 260,678
71 $ 67,989,528 $ 1,219,882 $ 955,554 $ 264,328
72 $ 67,721,500 $ 1,219,882 $ 951,853 $ 268,028
73 $ 67,449,719 $ 1,219,882 $ 948,101 $ 271,781
74 $ 67,174,134 $ 1,219,882 $ 944,296 $ 275,586
75 $ 66,894,690 $ 1,219,882 $ 940,438 $ 279,444
76 $ 66,611,334 $ 1,219,882 $ 936,526 $ 283,356
77 $ 66,324,011 $ 1,219,882 $ 932,559 $ 287,323
78 $ 66,032,666 $ 1,219,882 $ 928,536 $ 291,346
79 $ 65,737,241 $ 1,219,882 $ 924,457 $ 295,424
80 $ 65,437,681 $ 1,219,882 $ 920,321 $ 299,560
81 $ 65,133,927 $ 1,219,882 $ 916,128 $ 303,754
82 $ 64,825,920 $ 1,219,882 $ 911,875 $ 308,007
83 $ 64,513,601 $ 1,219,882 $ 907,563 $ 312,319
84 $ 64,196,910 $ 1,219,882 $ 903,190 $ 316,691
 85 $ 63,875,785 $ 1,219,882 $ 898,757 $ 321,125
86 $ 63,550,164 $ 1,219,882 $ 894,261 $ 325,621
87 $ 63,219,985 $ 1,219,882 $ 889,702 $ 330,179
88 $ 62,885,183 $ 1,219,882 $ 885,080 $ 334,802
89 $ 62,545,694 $ 1,219,882 $ 880,393 $ 339,489
90 $ 62,201,452 $ 1,219,882 $ 875,640 $ 344,242
91 $ 61,852,391 $ 1,219,882 $ 870,820 $ 349,061
92 $ 61,498,442 $ 1,219,882 $ 865,933 $ 353,948
93 $ 61,139,539 $ 1,219,882 $ 860,978 $ 358,903
94 $ 60,775,611 $ 1,219,882 $ 855,954 $ 363,928
95 $ 60,406,588 $ 1,219,882 $ 850,859 $ 369,023
96 $ 60,032,398 $ 1,219,882 $ 845,692 $ 374,189
97 $ 59,652,970 $ 1,219,882 $ 840,454 $ 379,428
98 $ 59,268,230 $ 1,219,882 $ 835,142 $ 384,740
99 $ 58,878,104 $ 1,219,882 $ 829,755 $ 390,126
100 $ 58,482,515 $ 1,219,882 $ 824,293 $ 395,588
101 $ 58,081,389 $ 1,219,882 $ 818,755 $ 401,126
102 $ 57,674,647 $ 1,219,882 $ 813,139 $ 406,742
103 $ 57,262,210 $ 1,219,882 $ 807,445 $ 412,437
104 $ 56,843,999 $ 1,219,882 $ 801,671 $ 418,211
105 $ 56,419,934 $ 1,219,882 $ 795,816 $ 424,066
106 $ 55,989,931 $ 1,219,882 $ 789,879 $ 430,003
107 $ 55,553,909 $ 1,219,882 $ 783,859 $ 436,023
108 $ 55,111,782 $ 1,219,882 $ 777,755 $ 442,127
109 $ 54,663,465 $ 1,219,882 $ 771,565 $ 448,317
110 $ 54,208,872 $ 1,219,882 $ 765,289 $ 454,593
111 $ 53,747,914 $ 1,219,882 $ 758,924 $ 460,957
112 $ 53,280,503 $ 1,219,882 $ 752,471 $ 467,411
113 $ 52,806,549 $ 1,219,882 $ 745,927 $ 473,955
114 $ 52,325,959 $ 1,219,882 $ 739,292 $ 480,590
115 $ 51,838,640 $ 1,219,882 $ 732,563 $ 487,318
116 $ 51,344,500 $ 1,219,882 $ 725,741 $ 494,141
117 $ 50,843,441 $ 1,219,882 $ 718,823 $ 501,059
118 $ 50,335,368 $ 1,219,882 $ 711,808 $ 508,073
119 $ 49,820,181 $ 1,219,882 $ 704,695 $ 515,187
120 $ 49,297,782 $ 1,219,882 $ 697,483 $ 522,399
121 $ 48,768,069 $ 1,219,882 $ 690,169 $ 529,713
122 $ 48,230,940 $ 1,219,882 $ 682,753 $ 537,129
123 $ 47,686,292 $ 1,219,882 $ 675,233 $ 544,649
124 $ 47,134,018 $ 1,219,882 $ 667,608 $ 552,274
125 $ 46,574,013 $ 1,219,882 $ 659,876 $ 560,005
126 $ 46,006,167 $ 1,219,882 $ 652,036 $ 567,845
127 $ 45,430,372 $ 1,219,882 $ 644,086 $ 575,795
128 $ 44,846,516 $ 1,219,882 $ 636,025 $ 583,856
129 $ 44,254,485 $ 1,219,882 $ 627,851 $ 592,030
130 $ 43,654,166 $ 1,219,882 $ 619,563 $ 600,319
131 $ 43,045,443 $ 1,219,882 $ 611,158 $ 608,723
132 $ 42,428,198 $ 1,219,882 $ 602,636 $ 617,245
133 $ 41,802,311 $ 1,219,882 $ 593,995 $ 625,887
134 $ 41,167,661 $ 1,219,882 $ 585,232 $ 634,649
135 $ 40,524,127 $ 1,219,882 $ 576,347 $ 643,534
136 $ 39,871,583 $ 1,219,882 $ 567,338 $ 652,544
137 $ 39,209,903 $ 1,219,882 $ 558,202 $ 661,680
138 $ 38,538,960 $ 1,219,882 $ 548,939 $ 670,943
139 $ 37,858,624 $ 1,219,882 $ 539,545 $ 680,336
140 $ 37,168,763 $ 1,219,882 $ 530,021 $ 689,861
141 $ 36,469,244 $ 1,219,882 $ 520,363 $ 699,519
142 $ 35,759,932 $ 1,219,882 $ 510,569 $ 709,312
143 $ 35,040,689 $ 1,219,882 $ 500,639 $ 719,243
144 $ 34,311,377 $ 1,219,882 $ 490,570 $ 729,312
145 $ 33,571,855 $ 1,219,882 $ 480,359 $ 739,522
146 $ 32,821,979 $ 1,219,882 $ 470,006 $ 749,876
147 $ 32,061,605 $ 1,219,882 $ 459,508 $ 760,374
148 $ 31,290,586 $ 1,219,882 $ 448,862 $ 771,019
149 $ 30,508,773 $ 1,219,882 $ 438,068 $ 781,813
150 $ 29,716,014 $ 1,219,882 $ 427,123 $ 792,759
151 $ 28,912,156 $ 1,219,882 $ 416,024 $ 803,857
152 $ 28,097,045 $ 1,219,882 $ 404,770 $ 815,111
153 $ 27,270,522 $ 1,219,882 $ 393,359 $ 826,523
154 $ 26,432,427 $ 1,219,882 $ 381,787 $ 838,094
155 $ 25,582,600 $ 1,219,882 $ 370,054 $ 849,828
156 $ 24,720,875 $ 1,219,882 $ 358,156 $ 861,725
157 $ 23,847,085 $ 1,219,882 $ 346,092 $ 873,789
158 $ 22,961,063 $ 1,219,882 $ 333,859 $ 886,022
159 $ 22,062,636 $ 1,219,882 $ 321,455 $ 898,427
160 $ 21,151,631 $ 1,219,882 $ 308,877 $ 911,005
161 $ 20,227,872 $ 1,219,882 $ 296,123 $ 923,759
162 $ 19,291,181 $ 1,219,882 $ 283,190 $ 936,691
163 $ 18,341,376 $ 1,219,882 $ 270,077 $ 949,805
164 $ 17,378,273 $ 1,219,882 $ 256,779 $ 963,102
165 $ 16,401,687 $ 1,219,882 $ 243,296 $ 976,586
166 $ 15,411,429 $ 1,219,882 $ 229,624 $ 990,258
167 $ 14,407,308 $ 1,219,882 $ 215,760 $ 1,004,122
168 $ 13,389,128 $ 1,219,882 $ 201,702 $ 1,018,179
169 $ 12,356,694 $ 1,219,882 $ 187,448 $ 1,032,434
170 $ 11,309,806 $ 1,219,882 $ 172,994 $ 1,046,888
171 $ 10,248,262 $ 1,219,882 $ 158,337 $ 1,061,544
172 $ 9,171,856 $ 1,219,882 $ 143,476 $ 1,076,406
173 $ 8,080,380 $ 1,219,882 $ 128,406 $ 1,091,476
174 $ 6,973,624 $ 1,219,882 $ 113,125 $ 1,106,756
175 $ 5,851,373 $ 1,219,882 $ 97,631 $ 1,122,251
176 $ 4,713,411 $ 1,219,882 $ 81,919 $ 1,137,962
177 $ 3,559,517 $ 1,219,882 $ 65,988 $ 1,153,894
178 $ 2,389,468 $ 1,219,882 $ 49,833 $ 1,170,048
179 $ 1,203,039 $ 1,219,882 $ 33,453 $ 1,186,429
180 $0 $ 1,219,882 $ 16,843 $ 1,203,039
TOTAL $ 219,578,701 $ 139,578,701 $ 80,000,000
= P i(1+i)^n
i(1+i)^n-1

= $ 80,000,000 1.40% 12.213268

1.40% 11.213268

= $ 80,000,000 1.40% 1.08918006497

= $ 80,000,000 0.01524852

= $ 1,219,882
 CASO 3 DISMINUYA EL TIEMPO DE PAGO
CREDITO HIPOTECARIO EN CONDICIONES NORMALES
SISTEMA DE CUOTA FIJA X
VALOR CREDITO $ 80,000,000 P
TASA DE INTERES 1.50% Mensual i
PLAZO 150 n
CUOTA $ 1,344,048 X X

ABONO
MES SALDO CAPITAL CUOTA MENSUAL INTERESES
CAPITAL
0 $ 80,000,000 X
1 $ 79,855,952 $ 1,344,048 $ 1,200,000 $ 144,048
2 $ 79,709,742 $ 1,344,048 $ 1,197,839 $ 146,209
3 $ 79,561,340 $ 1,344,048 $ 1,195,646 $ 148,402 X
4 $ 79,410,712 $ 1,344,048 $ 1,193,420 $ 150,628
5 $ 79,257,824 $ 1,344,048 $ 1,191,161 $ 152,888 X
6 $ 79,102,643 $ 1,344,048 $ 1,188,867 $ 155,181
7 $ 78,945,134 $ 1,344,048 $ 1,186,540 $ 157,509
8 $ 78,785,263 $ 1,344,048 $ 1,184,177 $ 159,871
9 $ 78,622,993 $ 1,344,048 $ 1,181,779 $ 162,270
10 $ 78,458,290 $ 1,344,048 $ 1,179,345 $ 164,704
11 $ 78,291,115 $ 1,344,048 $ 1,176,874 $ 167,174
12 $ 78,121,434 $ 1,344,048 $ 1,174,367 $ 169,682
13 $ 77,949,207 $ 1,344,048 $ 1,171,822 $ 172,227
14 $ 77,774,396 $ 1,344,048 $ 1,169,238 $ 174,810
15 $ 77,596,964 $ 1,344,048 $ 1,166,616 $ 177,433
16 $ 77,416,870 $ 1,344,048 $ 1,163,954 $ 180,094
17 $ 77,234,075 $ 1,344,048 $ 1,161,253 $ 182,795
18 $ 77,048,537 $ 1,344,048 $ 1,158,511 $ 185,537
19 $ 76,860,217 $ 1,344,048 $ 1,155,728 $ 188,320
20 $ 76,669,072 $ 1,344,048 $ 1,152,903 $ 191,145
21 $ 76,475,059 $ 1,344,048 $ 1,150,036 $ 194,012
22 $ 76,278,137 $ 1,344,048 $ 1,147,126 $ 196,923
23 $ 76,078,260 $ 1,344,048 $ 1,144,172 $ 199,876
24 $ 75,875,386 $ 1,344,048 $ 1,141,174 $ 202,875
25 $ 75,669,468 $ 1,344,048 $ 1,138,131 $ 205,918
26 $ 75,460,462 $ 1,344,048 $ 1,135,042 $ 209,006
27 $ 75,248,320 $ 1,344,048 $ 1,131,907 $ 212,142
28 $ 75,032,996 $ 1,344,048 $ 1,128,725 $ 215,324
29 $ 74,814,443 $ 1,344,048 $ 1,125,495 $ 218,554
30 $ 74,592,611 $ 1,344,048 $ 1,122,217 $ 221,832
31 $ 74,367,452 $ 1,344,048 $ 1,118,889 $ 225,159
32 $ 74,138,915 $ 1,344,048 $ 1,115,512 $ 228,537
33 $ 73,906,950 $ 1,344,048 $ 1,112,084 $ 231,965
34 $ 73,671,506 $ 1,344,048 $ 1,108,604 $ 235,444
35 $ 73,432,530 $ 1,344,048 $ 1,105,073 $ 238,976
36 $ 73,189,970 $ 1,344,048 $ 1,101,488 $ 242,560
37 $ 72,943,771 $ 1,344,048 $ 1,097,850 $ 246,199
38 $ 72,693,879 $ 1,344,048 $ 1,094,157 $ 249,892
39 $ 72,440,239 $ 1,344,048 $ 1,090,408 $ 253,640
40 $ 72,182,794 $ 1,344,048 $ 1,086,604 $ 257,445
41 $ 71,921,488 $ 1,344,048 $ 1,082,742 $ 261,307
42 $ 71,656,261 $ 1,344,048 $ 1,078,822 $ 265,226
43 $ 71,387,057 $ 1,344,048 $ 1,074,844 $ 269,205
44 $ 71,113,814 $ 1,344,048 $ 1,070,806 $ 273,243
45 $ 70,836,473 $ 1,344,048 $ 1,066,707 $ 277,341
46 $ 70,554,972 $ 1,344,048 $ 1,062,547 $ 281,501
47 $ 70,269,248 $ 1,344,048 $ 1,058,325 $ 285,724
48 $ 69,979,238 $ 1,344,048 $ 1,054,039 $ 290,010
49 $ 69,684,878 $ 1,344,048 $ 1,049,689 $ 294,360
50 $ 69,386,103 $ 1,344,048 $ 1,045,273 $ 298,775
51 $ 69,082,846 $ 1,344,048 $ 1,040,792 $ 303,257
52 $ 68,775,040 $ 1,344,048 $ 1,036,243 $ 307,806
53 $ 68,462,617 $ 1,344,048 $ 1,031,626 $ 312,423
54 $ 68,145,508 $ 1,344,048 $ 1,026,939 $ 317,109
55 $ 67,823,642 $ 1,344,048 $ 1,022,183 $ 321,866
56 $ 67,496,949 $ 1,344,048 $ 1,017,355 $ 326,694
57 $ 67,165,354 $ 1,344,048 $ 1,012,454 $ 331,594
58 $ 66,828,786 $ 1,344,048 $ 1,007,480 $ 336,568
59 $ 66,487,170 $ 1,344,048 $ 1,002,432 $ 341,617
60 $ 66,140,429 $ 1,344,048 $ 997,308 $ 346,741
61 $ 65,788,487 $ 1,344,048 $ 992,106 $ 351,942
62 $ 65,431,265 $ 1,344,048 $ 986,827 $ 357,221
63 $ 65,068,686 $ 1,344,048 $ 981,469 $ 362,579
64 $ 64,700,668 $ 1,344,048 $ 976,030 $ 368,018
65 $ 64,327,129 $ 1,344,048 $ 970,510 $ 373,538
66 $ 63,947,988 $ 1,344,048 $ 964,907 $ 379,142
67 $ 63,563,159 $ 1,344,048 $ 959,220 $ 384,829
68 $ 63,172,558 $ 1,344,048 $ 953,447 $ 390,601
69 $ 62,776,098 $ 1,344,048 $ 947,588 $ 396,460
70 $ 62,373,691 $ 1,344,048 $ 941,641 $ 402,407
71 $ 61,965,248 $ 1,344,048 $ 935,605 $ 408,443
72 $ 61,550,678 $ 1,344,048 $ 929,479 $ 414,570
73 $ 61,129,890 $ 1,344,048 $ 923,260 $ 420,788
74 $ 60,702,790 $ 1,344,048 $ 916,948 $ 427,100
75 $ 60,269,283 $ 1,344,048 $ 910,542 $ 433,507
76 $ 59,829,274 $ 1,344,048 $ 904,039 $ 440,009
77 $ 59,382,665 $ 1,344,048 $ 897,439 $ 446,609
78 $ 58,929,356 $ 1,344,048 $ 890,740 $ 453,308
79 $ 58,469,248 $ 1,344,048 $ 883,940 $ 460,108
80 $ 58,002,239 $ 1,344,048 $ 877,039 $ 467,010
81 $ 57,528,224 $ 1,344,048 $ 870,034 $ 474,015
82 $ 57,047,099 $ 1,344,048 $ 862,923 $ 481,125
83 $ 56,558,757 $ 1,344,048 $ 855,706 $ 488,342
84 $ 56,063,090 $ 1,344,048 $ 848,381 $ 495,667
 85 $ 55,559,987 $ 1,344,048 $ 840,946 $ 503,102
86 $ 55,049,339 $ 1,344,048 $ 833,400 $ 510,649
87 $ 54,531,030 $ 1,344,048 $ 825,740 $ 518,308
88 $ 54,004,947 $ 1,344,048 $ 817,965 $ 526,083
89 $ 53,470,973 $ 1,344,048 $ 810,074 $ 533,974
90 $ 52,928,989 $ 1,344,048 $ 802,065 $ 541,984
91 $ 52,378,876 $ 1,344,048 $ 793,935 $ 550,114
92 $ 51,820,510 $ 1,344,048 $ 785,683 $ 558,365
93 $ 51,253,770 $ 1,344,048 $ 777,308 $ 566,741
94 $ 50,678,528 $ 1,344,048 $ 768,807 $ 575,242
95 $ 50,094,657 $ 1,344,048 $ 760,178 $ 583,871
96 $ 49,502,029 $ 1,344,048 $ 751,420 $ 592,629
97 $ 48,900,511 $ 1,344,048 $ 742,530 $ 601,518
98 $ 48,289,970 $ 1,344,048 $ 733,508 $ 610,541
99 $ 47,670,271 $ 1,344,048 $ 724,350 $ 619,699
100 $ 47,041,276 $ 1,344,048 $ 715,054 $ 628,994
101 $ 46,402,847 $ 1,344,048 $ 705,619 $ 638,429
102 $ 45,754,841 $ 1,344,048 $ 696,043 $ 648,006
103 $ 45,097,116 $ 1,344,048 $ 686,323 $ 657,726
104 $ 44,429,524 $ 1,344,048 $ 676,457 $ 667,592
105 $ 43,751,918 $ 1,344,048 $ 666,443 $ 677,606
106 $ 43,064,149 $ 1,344,048 $ 656,279 $ 687,770
107 $ 42,366,062 $ 1,344,048 $ 645,962 $ 698,086
108 $ 41,657,505 $ 1,344,048 $ 635,491 $ 708,558
109 $ 40,938,319 $ 1,344,048 $ 624,863 $ 719,186
110 $ 40,208,345 $ 1,344,048 $ 614,075 $ 729,974
111 $ 39,467,422 $ 1,344,048 $ 603,125 $ 740,923
112 $ 38,715,385 $ 1,344,048 $ 592,011 $ 752,037
113 $ 37,952,067 $ 1,344,048 $ 580,731 $ 763,318
114 $ 37,177,300 $ 1,344,048 $ 569,281 $ 774,767
115 $ 36,390,911 $ 1,344,048 $ 557,659 $ 786,389
116 $ 35,592,726 $ 1,344,048 $ 545,864 $ 798,185
117 $ 34,782,569 $ 1,344,048 $ 533,891 $ 810,158
118 $ 33,960,259 $ 1,344,048 $ 521,739 $ 822,310
119 $ 33,125,614 $ 1,344,048 $ 509,404 $ 834,645
120 $ 32,278,450 $ 1,344,048 $ 496,884 $ 847,164
121 $ 31,418,578 $ 1,344,048 $ 484,177 $ 859,872
122 $ 30,545,808 $ 1,344,048 $ 471,279 $ 872,770
123 $ 29,659,947 $ 1,344,048 $ 458,187 $ 885,861
124 $ 28,760,798 $ 1,344,048 $ 444,899 $ 899,149
125 $ 27,848,161 $ 1,344,048 $ 431,412 $ 912,636
126 $ 26,921,835 $ 1,344,048 $ 417,722 $ 926,326
127 $ 25,981,614 $ 1,344,048 $ 403,828 $ 940,221
128 $ 25,027,290 $ 1,344,048 $ 389,724 $ 954,324
129 $ 24,058,651 $ 1,344,048 $ 375,409 $ 968,639
130 $ 23,075,482 $ 1,344,048 $ 360,880 $ 983,169
131 $ 22,077,566 $ 1,344,048 $ 346,132 $ 997,916
132 $ 21,064,681 $ 1,344,048 $ 331,163 $ 1,012,885
 133 $ 20,036,603 $ 1,344,048 $ 315,970 $ 1,028,078
134 $ 18,993,104 $ 1,344,048 $ 300,549 $ 1,043,499
135 $ 17,933,952 $ 1,344,048 $ 284,897 $ 1,059,152
136 $ 16,858,912 $ 1,344,048 $ 269,009 $ 1,075,039
137 $ 15,767,748 $ 1,344,048 $ 252,884 $ 1,091,165
138 $ 14,660,215 $ 1,344,048 $ 236,516 $ 1,107,532
139 $ 13,536,070 $ 1,344,048 $ 219,903 $ 1,124,145
140 $ 12,395,063 $ 1,344,048 $ 203,041 $ 1,141,007
141 $ 11,236,940 $ 1,344,048 $ 185,926 $ 1,158,123
142 $ 10,061,446 $ 1,344,048 $ 168,554 $ 1,175,494
143 $ 8,868,319 $ 1,344,048 $ 150,922 $ 1,193,127
144 $ 7,657,296 $ 1,344,048 $ 133,025 $ 1,211,024
145 $ 6,428,107 $ 1,344,048 $ 114,859 $ 1,229,189
146 $ 5,180,480 $ 1,344,048 $ 96,422 $ 1,247,627
147 $ 3,914,138 $ 1,344,048 $ 77,707 $ 1,266,341
148 $ 2,628,802 $ 1,344,048 $ 58,712 $ 1,285,336
149 $ 1,324,186 $ 1,344,048 $ 39,432 $ 1,304,616
150 $0 $ 1,344,048 $ 19,863 $ 1,324,186
TOTAL $ 201,607,267 $ 121,607,267 $ 80,000,000
= P i(1+i)^n
i(1+i)^n-1

= $ 80,000,000 1.50% 9.330531

1.50% 8.330531

= $ 80,000,000 1.50% 1.12004037421

= $ 80,000,000 0.01680061

= $ 1,344,048
 CASO 4 ABONO A CAPITAL CON DISMINUCION DEL PLAZO
CREDITO HIPOTECARIO EN CONDICIONES NORMALES
SISTEMA DE CUOTA FIJA X
VALOR CREDITO $ 80,000,000 P
TASA DE INTERES 1.50% Mensual i
PLAZO 180 n
CUOTA $ 1,288,337 X X

ABONO
MES SALDO CAPITAL CUOTA MENSUAL INTERESES
CAPITAL
0 $ 80,000,000 X
1 $ 79,911,663 $ 1,288,337 $ 1,200,000 $ 88,337
2 $ 79,822,001 $ 1,288,337 $ 1,198,675 $ 89,662
3 $ 79,730,994 $ 1,288,337 $ 1,197,330 $ 91,007 X
4 $ 79,638,623 $ 1,288,337 $ 1,195,965 $ 92,372
5 $ 79,544,865 $ 1,288,337 $ 1,194,579 $ 93,757 X
6 $ 79,449,701 $ 1,288,337 $ 1,193,173 $ 95,164
7 $ 79,353,110 $ 1,288,337 $ 1,191,746 $ 96,591
8 $ 79,255,070 $ 1,288,337 $ 1,190,297 $ 98,040
9 $ 79,155,559 $ 1,288,337 $ 1,188,826 $ 99,511
10 $ 79,054,555 $ 1,288,337 $ 1,187,333 $ 101,003
11 $ 78,952,037 $ 1,288,337 $ 1,185,818 $ 102,518
12 $ 78,847,981 $ 1,288,337 $ 1,184,281 $ 104,056
13 $ 78,742,364 $ 1,288,337 $ 1,182,720 $ 105,617
14 $ 78,635,162 $ 1,288,337 $ 1,181,135 $ 107,201
15 $ 78,526,353 $ 1,288,337 $ 1,179,527 $ 108,809
16 $ 78,415,911 $ 1,288,337 $ 1,177,895 $ 110,442
17 $ 78,303,813 $ 1,288,337 $ 1,176,239 $ 112,098
18 $ 78,190,033 $ 1,288,337 $ 1,174,557 $ 113,780
19 $ 78,074,547 $ 1,288,337 $ 1,172,851 $ 115,486
20 $ 77,957,329 $ 1,288,337 $ 1,171,118 $ 117,219
21 $ 77,838,352 $ 1,288,337 $ 1,169,360 $ 118,977
22 $ 77,717,590 $ 1,288,337 $ 1,167,575 $ 120,762
23 $ 77,595,017 $ 1,288,337 $ 1,165,764 $ 122,573
24 $ 77,470,605 $ 1,288,337 $ 1,163,925 $ 124,412
25 $ 77,344,328 $ 1,288,337 $ 1,162,059 $ 126,278
26 $ 77,216,156 $ 1,288,337 $ 1,160,165 $ 128,172
27 $ 77,086,061 $ 1,288,337 $ 1,158,242 $ 130,094
28 $ 76,954,015 $ 1,288,337 $ 1,156,291 $ 132,046
29 $ 76,819,989 $ 1,288,337 $ 1,154,310 $ 134,027
30 $ 76,683,952 $ 1,288,337 $ 1,152,300 $ 136,037
31 $ 76,545,874 $ 1,288,337 $ 1,150,259 $ 138,078
32 $ 76,405,726 $ 1,288,337 $ 1,148,188 $ 140,149
33 $ 76,263,475 $ 1,288,337 $ 1,146,086 $ 142,251
34 $ 76,119,090 $ 1,288,337 $ 1,143,952 $ 144,385
35 $ 75,972,539 $ 1,288,337 $ 1,141,786 $ 146,550
36 $ 75,823,791 $ 1,288,337 $ 1,139,588 $ 148,749
37 $ 75,672,811 $ 1,288,337 $ 1,137,357 $ 150,980
38 $ 75,519,566 $ 1,288,337 $ 1,135,092 $ 153,245
39 $ 75,364,023 $ 1,288,337 $ 1,132,793 $ 155,543
40 $ 75,206,146 $ 1,288,337 $ 1,130,460 $ 157,876
41 $ 75,045,902 $ 1,288,337 $ 1,128,092 $ 160,245
42 $ 74,883,253 $ 1,288,337 $ 1,125,689 $ 162,648
43 $ 74,718,165 $ 1,288,337 $ 1,123,249 $ 165,088
44 $ 74,550,601 $ 1,288,337 $ 1,120,772 $ 167,564
45 $ 74,380,523 $ 1,288,337 $ 1,118,259 $ 170,078
46 $ 74,207,894 $ 1,288,337 $ 1,115,708 $ 172,629
47 $ 74,032,676 $ 1,288,337 $ 1,113,118 $ 175,218
48 $ 73,854,829 $ 1,288,337 $ 1,110,490 $ 177,847
49 $ 73,674,315 $ 1,288,337 $ 1,107,822 $ 180,514
50 $ 63,491,092 $ 11,288,337 $ 1,105,115 $ 10,183,222
51 $ 63,155,122 $ 1,288,337 $ 952,366 $ 335,970
52 $ 62,814,112 $ 1,288,337 $ 947,327 $ 341,010
53 $ 62,467,987 $ 1,288,337 $ 942,212 $ 346,125
54 $ 62,116,670 $ 1,288,337 $ 937,020 $ 351,317
55 $ 61,760,083 $ 1,288,337 $ 931,750 $ 356,587
56 $ 61,398,147 $ 1,288,337 $ 926,401 $ 361,936
57 $ 61,030,783 $ 1,288,337 $ 920,972 $ 367,365
58 $ 60,657,908 $ 1,288,337 $ 915,462 $ 372,875
59 $ 60,279,440 $ 1,288,337 $ 909,869 $ 378,468
60 $ 59,895,294 $ 1,288,337 $ 904,192 $ 384,145
61 $ 59,505,387 $ 1,288,337 $ 898,429 $ 389,907
62 $ 59,109,631 $ 1,288,337 $ 892,581 $ 395,756
63 $ 58,707,938 $ 1,288,337 $ 886,644 $ 401,692
64 $ 58,300,221 $ 1,288,337 $ 880,619 $ 407,718
65 $ 57,886,387 $ 1,288,337 $ 874,503 $ 413,834
66 $ 57,466,346 $ 1,288,337 $ 868,296 $ 420,041
67 $ 57,040,005 $ 1,288,337 $ 861,995 $ 426,342
68 $ 56,607,268 $ 1,288,337 $ 855,600 $ 432,737
69 $ 56,168,040 $ 1,288,337 $ 849,109 $ 439,228
70 $ 55,722,224 $ 1,288,337 $ 842,521 $ 445,816
71 $ 55,269,720 $ 1,288,337 $ 835,833 $ 452,503
72 $ 54,810,429 $ 1,288,337 $ 829,046 $ 459,291
73 $ 54,344,249 $ 1,288,337 $ 822,156 $ 466,180
74 $ 53,871,076 $ 1,288,337 $ 815,164 $ 473,173
75 $ 53,390,805 $ 1,288,337 $ 808,066 $ 480,271
76 $ 52,903,330 $ 1,288,337 $ 800,862 $ 487,475
77 $ 52,408,543 $ 1,288,337 $ 793,550 $ 494,787
78 $ 51,906,335 $ 1,288,337 $ 786,128 $ 502,209
79 $ 51,396,593 $ 1,288,337 $ 778,595 $ 509,742
80 $ 50,879,205 $ 1,288,337 $ 770,949 $ 517,388
81 $ 50,354,056 $ 1,288,337 $ 763,188 $ 525,149
82 $ 49,821,030 $ 1,288,337 $ 755,311 $ 533,026
83 $ 49,280,009 $ 1,288,337 $ 747,315 $ 541,021
84 $ 48,730,872 $ 1,288,337 $ 739,200 $ 549,137
 85 $ 48,173,498 $ 1,288,337 $ 730,963 $ 557,374
86 $ 47,607,764 $ 1,288,337 $ 722,602 $ 565,734
87 $ 47,033,544 $ 1,288,337 $ 714,116 $ 574,220
88 $ 46,450,710 $ 1,288,337 $ 705,503 $ 582,834
89 $ 45,859,134 $ 1,288,337 $ 696,761 $ 591,576
90 $ 45,258,684 $ 1,288,337 $ 687,887 $ 600,450
91 $ 44,649,227 $ 1,288,337 $ 678,880 $ 609,457
92 $ 44,030,629 $ 1,288,337 $ 669,738 $ 618,598
93 $ 43,402,752 $ 1,288,337 $ 660,459 $ 627,877
94 $ 42,765,456 $ 1,288,337 $ 651,041 $ 637,296
95 $ 42,118,601 $ 1,288,337 $ 641,482 $ 646,855
96 $ 41,462,043 $ 1,288,337 $ 631,779 $ 656,558
97 $ 40,795,637 $ 1,288,337 $ 621,931 $ 666,406
98 $ 40,119,235 $ 1,288,337 $ 611,935 $ 676,402
99 $ 39,432,686 $ 1,288,337 $ 601,789 $ 686,548
100 $ 38,735,840 $ 1,288,337 $ 591,490 $ 696,847
101 $ 38,028,541 $ 1,288,337 $ 581,038 $ 707,299
102 $ 37,310,632 $ 1,288,337 $ 570,428 $ 717,909
103 $ 36,581,955 $ 1,288,337 $ 559,659 $ 728,677
104 $ 35,842,347 $ 1,288,337 $ 548,729 $ 739,608
105 $ 35,091,645 $ 1,288,337 $ 537,635 $ 750,702
106 $ 34,329,683 $ 1,288,337 $ 526,375 $ 761,962
107 $ 33,556,292 $ 1,288,337 $ 514,945 $ 773,392
108 $ 32,771,299 $ 1,288,337 $ 503,344 $ 784,992
109 $ 31,974,532 $ 1,288,337 $ 491,569 $ 796,767
110 $ 31,165,813 $ 1,288,337 $ 479,618 $ 808,719
111 $ 30,344,963 $ 1,288,337 $ 467,487 $ 820,850
112 $ 29,511,801 $ 1,288,337 $ 455,174 $ 833,162
113 $ 28,666,141 $ 1,288,337 $ 442,677 $ 845,660
114 $ 27,807,797 $ 1,288,337 $ 429,992 $ 858,345
115 $ 26,936,577 $ 1,288,337 $ 417,117 $ 871,220
116 $ 26,052,288 $ 1,288,337 $ 404,049 $ 884,288
117 $ 25,154,736 $ 1,288,337 $ 390,784 $ 897,553
118 $ 24,243,720 $ 1,288,337 $ 377,321 $ 911,016
119 $ 23,319,039 $ 1,288,337 $ 363,656 $ 924,681
120 $ 22,380,488 $ 1,288,337 $ 349,786 $ 938,551
121 $ 21,427,858 $ 1,288,337 $ 335,707 $ 952,630
122 $ 20,460,939 $ 1,288,337 $ 321,418 $ 966,919
123 $ 19,479,517 $ 1,288,337 $ 306,914 $ 981,423
124 $ 18,483,373 $ 1,288,337 $ 292,193 $ 996,144
125 $ 17,472,286 $ 1,288,337 $ 277,251 $ 1,011,086
126 $ 16,446,034 $ 1,288,337 $ 262,084 $ 1,026,253
127 $ 15,404,388 $ 1,288,337 $ 246,691 $ 1,041,646
128 $ 14,347,116 $ 1,288,337 $ 231,066 $ 1,057,271
129 $ 13,273,986 $ 1,288,337 $ 215,207 $ 1,073,130
130 $ 12,184,759 $ 1,288,337 $ 199,110 $ 1,089,227
131 $ 11,079,194 $ 1,288,337 $ 182,771 $ 1,105,565
132 $ 9,957,045 $ 1,288,337 $ 166,188 $ 1,122,149
133 $ 8,818,064 $ 1,288,337 $ 149,356 $ 1,138,981
134 $ 7,661,998 $ 1,288,337 $ 132,271 $ 1,156,066
135 $ 6,488,591 $ 1,288,337 $ 114,930 $ 1,173,407
136 $ 5,297,583 $ 1,288,337 $ 97,329 $ 1,191,008
137 $ 4,088,710 $ 1,288,337 $ 79,464 $ 1,208,873
138 $ 2,861,704 $ 1,288,337 $ 61,331 $ 1,227,006
139 $ 1,616,293 $ 1,288,337 $ 42,926 $ 1,245,411
140 $0 $ 1,640,537 $ 24,244 $ 1,616,292
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
TOTAL $ 190,719,356 $ 110,719,357 $ 80,000,000
 MES 50 AHORROS $ 10,000,000

= P i(1+i)^n
i(1+i)^n-1

= $ 80,000,000 1.50% 14.584368

1.50% 13.584368

= $ 80,000,000 1.50% 1.07361402627522

= $ 80,000,000 0.01610421

= $ 1,288,337
 CASO 5 ABONO A CAPITAL CON DISMINUCION DE LA CUOTA
CREDITO HIPOTECARIO EN CONDICIONES NORMALES
SISTEMA DE CUOTA FIJA
VALOR CREDITO $ 80,000,000 P
TASA DE INTERES 1.50% Mensual i
PLAZO 180 n
CUOTA $ 1,288,337 X

ABONO
MES SALDO CAPITAL CUOTA MENSUAL INTERESES
CAPITAL
0 $ 80,000,000
1 $ 79,911,663 $ 1,288,337 $ 1,200,000 $ 88,337
2 $ 79,822,001 $ 1,288,337 $ 1,198,675 $ 89,662
3 $ 79,730,994 $ 1,288,337 $ 1,197,330 $ 91,007
4 $ 79,638,623 $ 1,288,337 $ 1,195,965 $ 92,372
5 $ 79,544,865 $ 1,288,337 $ 1,194,579 $ 93,757
6 $ 79,449,701 $ 1,288,337 $ 1,193,173 $ 95,164
7 $ 79,353,110 $ 1,288,337 $ 1,191,746 $ 96,591
8 $ 79,255,070 $ 1,288,337 $ 1,190,297 $ 98,040
9 $ 79,155,559 $ 1,288,337 $ 1,188,826 $ 99,511
10 $ 79,054,555 $ 1,288,337 $ 1,187,333 $ 101,003
11 $ 78,952,037 $ 1,288,337 $ 1,185,818 $ 102,518
12 $ 78,847,981 $ 1,288,337 $ 1,184,281 $ 104,056
13 $ 78,742,364 $ 1,288,337 $ 1,182,720 $ 105,617
14 $ 78,635,162 $ 1,288,337 $ 1,181,135 $ 107,201
15 $ 78,526,353 $ 1,288,337 $ 1,179,527 $ 108,809
16 $ 78,415,911 $ 1,288,337 $ 1,177,895 $ 110,442
17 $ 78,303,813 $ 1,288,337 $ 1,176,239 $ 112,098
18 $ 78,190,033 $ 1,288,337 $ 1,174,557 $ 113,780
19 $ 78,074,547 $ 1,288,337 $ 1,172,851 $ 115,486
20 $ 77,957,329 $ 1,288,337 $ 1,171,118 $ 117,219
21 $ 77,838,352 $ 1,288,337 $ 1,169,360 $ 118,977
22 $ 77,717,590 $ 1,288,337 $ 1,167,575 $ 120,762
23 $ 77,595,017 $ 1,288,337 $ 1,165,764 $ 122,573
24 $ 77,470,605 $ 1,288,337 $ 1,163,925 $ 124,412
25 $ 77,344,328 $ 1,288,337 $ 1,162,059 $ 126,278
26 $ 77,216,156 $ 1,288,337 $ 1,160,165 $ 128,172
27 $ 77,086,061 $ 1,288,337 $ 1,158,242 $ 130,094
28 $ 76,954,015 $ 1,288,337 $ 1,156,291 $ 132,046
29 $ 76,819,989 $ 1,288,337 $ 1,154,310 $ 134,027
30 $ 76,683,952 $ 1,288,337 $ 1,152,300 $ 136,037
31 $ 76,545,874 $ 1,288,337 $ 1,150,259 $ 138,078
32 $ 76,405,726 $ 1,288,337 $ 1,148,188 $ 140,149
33 $ 76,263,475 $ 1,288,337 $ 1,146,086 $ 142,251
34 $ 76,119,090 $ 1,288,337 $ 1,143,952 $ 144,385
35 $ 75,972,539 $ 1,288,337 $ 1,141,786 $ 146,550
36 $ 75,823,791 $ 1,288,337 $ 1,139,588 $ 148,749
37 $ 75,672,811 $ 1,288,337 $ 1,137,357 $ 150,980
38 $ 75,519,566 $ 1,288,337 $ 1,135,092 $ 153,245
39 $ 75,364,023 $ 1,288,337 $ 1,132,793 $ 155,543
40 $ 75,206,146 $ 1,288,337 $ 1,130,460 $ 157,876
41 $ 75,045,902 $ 1,288,337 $ 1,128,092 $ 160,245
42 $ 74,883,253 $ 1,288,337 $ 1,125,689 $ 162,648
43 $ 74,718,165 $ 1,288,337 $ 1,123,249 $ 165,088
44 $ 74,550,601 $ 1,288,337 $ 1,120,772 $ 167,564
45 $ 74,380,523 $ 1,288,337 $ 1,118,259 $ 170,078
46 $ 74,207,894 $ 1,288,337 $ 1,115,708 $ 172,629
47 $ 74,032,676 $ 1,288,337 $ 1,113,118 $ 175,218
48 $ 73,854,829 $ 1,288,337 $ 1,110,490 $ 177,847
49 $ 73,674,315 $ 1,288,337 $ 1,107,822 $ 180,514
50 $ 63,491,092 $ 11,288,337 $ 1,105,115 $ 10,183,222
51 $ 63,330,427 $ 1,113,032 $ 952,366 $ 160,665
52 $ 63,167,352 $ 1,113,032 $ 949,956 $ 163,075
53 $ 63,001,831 $ 1,113,032 $ 947,510 $ 165,521
54 $ 62,833,826 $ 1,113,032 $ 945,027 $ 168,004
55 $ 62,663,302 $ 1,113,032 $ 942,507 $ 170,524
56 $ 62,490,220 $ 1,113,032 $ 939,950 $ 173,082
57 $ 62,314,542 $ 1,113,032 $ 937,353 $ 175,678
58 $ 62,136,228 $ 1,113,032 $ 934,718 $ 178,314
59 $ 61,955,240 $ 1,113,032 $ 932,043 $ 180,988
60 $ 61,771,537 $ 1,113,032 $ 929,329 $ 183,703
61 $ 61,585,078 $ 1,113,032 $ 926,573 $ 186,459
62 $ 61,395,823 $ 1,113,032 $ 923,776 $ 189,255
63 $ 61,203,728 $ 1,113,032 $ 920,937 $ 192,094
64 $ 61,008,753 $ 1,113,032 $ 918,056 $ 194,976
65 $ 60,810,852 $ 1,113,032 $ 915,131 $ 197,900
66 $ 60,609,983 $ 1,113,032 $ 912,163 $ 200,869
67 $ 60,406,101 $ 1,113,032 $ 909,150 $ 203,882
68 $ 60,199,161 $ 1,113,032 $ 906,092 $ 206,940
69 $ 59,989,117 $ 1,113,032 $ 902,987 $ 210,044
70 $ 59,775,922 $ 1,113,032 $ 899,837 $ 213,195
71 $ 59,559,529 $ 1,113,032 $ 896,639 $ 216,393
72 $ 59,339,890 $ 1,113,032 $ 893,393 $ 219,639
73 $ 59,116,957 $ 1,113,032 $ 890,098 $ 222,933
74 $ 58,890,680 $ 1,113,032 $ 886,754 $ 226,277
75 $ 58,661,008 $ 1,113,032 $ 883,360 $ 229,671
76 $ 58,427,892 $ 1,113,032 $ 879,915 $ 233,117
77 $ 58,191,279 $ 1,113,032 $ 876,418 $ 236,613
78 $ 57,951,116 $ 1,113,032 $ 872,869 $ 240,162
79 $ 57,707,351 $ 1,113,032 $ 869,267 $ 243,765
80 $ 57,459,930 $ 1,113,032 $ 865,610 $ 247,421
81 $ 57,208,797 $ 1,113,032 $ 861,899 $ 251,133
82 $ 56,953,897 $ 1,113,032 $ 858,132 $ 254,900
83 $ 56,695,174 $ 1,113,032 $ 854,308 $ 258,723
84 $ 56,432,570 $ 1,113,032 $ 850,428 $ 262,604
 85 $ 56,166,027 $ 1,113,032 $ 846,489 $ 266,543
86 $ 55,895,486 $ 1,113,032 $ 842,490 $ 270,541
87 $ 55,620,886 $ 1,113,032 $ 838,432 $ 274,599
88 $ 55,342,168 $ 1,113,032 $ 834,313 $ 278,718
89 $ 55,059,269 $ 1,113,032 $ 830,133 $ 282,899
90 $ 54,772,126 $ 1,113,032 $ 825,889 $ 287,143
91 $ 54,480,676 $ 1,113,032 $ 821,582 $ 291,450
92 $ 54,184,855 $ 1,113,032 $ 817,210 $ 295,822
93 $ 53,884,596 $ 1,113,032 $ 812,773 $ 300,259
94 $ 53,579,833 $ 1,113,032 $ 808,269 $ 304,763
95 $ 53,270,499 $ 1,113,032 $ 803,698 $ 309,334
96 $ 52,956,525 $ 1,113,032 $ 799,057 $ 313,974
97 $ 52,637,841 $ 1,113,032 $ 794,348 $ 318,684
98 $ 52,314,377 $ 1,113,032 $ 789,568 $ 323,464
99 $ 51,986,061 $ 1,113,032 $ 784,716 $ 328,316
100 $ 51,652,820 $ 1,113,032 $ 779,791 $ 333,241
101 $ 51,314,581 $ 1,113,032 $ 774,792 $ 338,239
102 $ 50,971,268 $ 1,113,032 $ 769,719 $ 343,313
103 $ 50,622,806 $ 1,113,032 $ 764,569 $ 348,463
104 $ 50,269,116 $ 1,113,032 $ 759,342 $ 353,690
105 $ 49,910,121 $ 1,113,032 $ 754,037 $ 358,995
106 $ 49,545,741 $ 1,113,032 $ 748,652 $ 364,380
107 $ 49,175,896 $ 1,113,032 $ 743,186 $ 369,846
108 $ 48,800,502 $ 1,113,032 $ 737,638 $ 375,393
109 $ 48,419,478 $ 1,113,032 $ 732,008 $ 381,024
110 $ 48,032,739 $ 1,113,032 $ 726,292 $ 386,739
111 $ 47,640,198 $ 1,113,032 $ 720,491 $ 392,541
112 $ 47,241,770 $ 1,113,032 $ 714,603 $ 398,429
113 $ 46,837,364 $ 1,113,032 $ 708,627 $ 404,405
114 $ 46,426,893 $ 1,113,032 $ 702,560 $ 410,471
115 $ 46,010,265 $ 1,113,032 $ 696,403 $ 416,628
116 $ 45,587,387 $ 1,113,032 $ 690,154 $ 422,878
117 $ 45,158,166 $ 1,113,032 $ 683,811 $ 429,221
118 $ 44,722,507 $ 1,113,032 $ 677,372 $ 435,659
119 $ 44,280,313 $ 1,113,032 $ 670,838 $ 442,194
120 $ 43,831,486 $ 1,113,032 $ 664,205 $ 448,827
121 $ 43,375,927 $ 1,113,032 $ 657,472 $ 455,559
122 $ 42,913,534 $ 1,113,032 $ 650,639 $ 462,393
123 $ 42,444,205 $ 1,113,032 $ 643,703 $ 469,329
124 $ 41,967,837 $ 1,113,032 $ 636,663 $ 476,369
125 $ 41,484,323 $ 1,113,032 $ 629,518 $ 483,514
126 $ 40,993,556 $ 1,113,032 $ 622,265 $ 490,767
127 $ 40,495,428 $ 1,113,032 $ 614,903 $ 498,128
128 $ 39,989,827 $ 1,113,032 $ 607,431 $ 505,600
129 $ 39,476,643 $ 1,113,032 $ 599,847 $ 513,184
130 $ 38,955,761 $ 1,113,032 $ 592,150 $ 520,882
131 $ 38,427,066 $ 1,113,032 $ 584,336 $ 528,695
132 $ 37,890,440 $ 1,113,032 $ 576,406 $ 536,626
133 $ 37,345,765 $ 1,113,032 $ 568,357 $ 544,675
134 $ 36,792,920 $ 1,113,032 $ 560,186 $ 552,845
135 $ 36,231,782 $ 1,113,032 $ 551,894 $ 561,138
136 $ 35,662,227 $ 1,113,032 $ 543,477 $ 569,555
137 $ 35,084,129 $ 1,113,032 $ 534,933 $ 578,098
138 $ 34,497,359 $ 1,113,032 $ 526,262 $ 586,770
139 $ 33,901,788 $ 1,113,032 $ 517,460 $ 595,571
140 $ 33,297,283 $ 1,113,032 $ 508,527 $ 604,505
141 $ 32,683,711 $ 1,113,032 $ 499,459 $ 613,572
142 $ 32,060,935 $ 1,113,032 $ 490,256 $ 622,776
143 $ 31,428,817 $ 1,113,032 $ 480,914 $ 632,118
144 $ 30,787,217 $ 1,113,032 $ 471,432 $ 641,599
145 $ 30,135,994 $ 1,113,032 $ 461,808 $ 651,223
146 $ 29,475,002 $ 1,113,032 $ 452,040 $ 660,992
147 $ 28,804,096 $ 1,113,032 $ 442,125 $ 670,907
148 $ 28,123,125 $ 1,113,032 $ 432,061 $ 680,970
149 $ 27,431,941 $ 1,113,032 $ 421,847 $ 691,185
150 $ 26,730,388 $ 1,113,032 $ 411,479 $ 701,553
151 $ 26,018,312 $ 1,113,032 $ 400,956 $ 712,076
152 $ 25,295,555 $ 1,113,032 $ 390,275 $ 722,757
153 $ 24,561,957 $ 1,113,032 $ 379,433 $ 733,598
154 $ 23,817,355 $ 1,113,032 $ 368,429 $ 744,602
155 $ 23,061,583 $ 1,113,032 $ 357,260 $ 755,771
156 $ 22,294,475 $ 1,113,032 $ 345,924 $ 767,108
157 $ 21,515,861 $ 1,113,032 $ 334,417 $ 778,615
158 $ 20,725,567 $ 1,113,032 $ 322,738 $ 790,294
159 $ 19,923,419 $ 1,113,032 $ 310,884 $ 802,148
160 $ 19,109,239 $ 1,113,032 $ 298,851 $ 814,180
161 $ 18,282,846 $ 1,113,032 $ 286,639 $ 826,393
162 $ 17,444,057 $ 1,113,032 $ 274,243 $ 838,789
163 $ 16,592,686 $ 1,113,032 $ 261,661 $ 851,371
164 $ 15,728,544 $ 1,113,032 $ 248,890 $ 864,141
165 $ 14,851,441 $ 1,113,032 $ 235,928 $ 877,103
166 $ 13,961,181 $ 1,113,032 $ 222,772 $ 890,260
167 $ 13,057,567 $ 1,113,032 $ 209,418 $ 903,614
168 $ 12,140,399 $ 1,113,032 $ 195,864 $ 917,168
169 $ 11,209,473 $ 1,113,032 $ 182,106 $ 930,926
170 $ 10,264,583 $ 1,113,032 $ 168,142 $ 944,890
171 $ 9,305,520 $ 1,113,032 $ 153,969 $ 959,063
172 $ 8,332,072 $ 1,113,032 $ 139,583 $ 973,449
173 $ 7,344,021 $ 1,113,032 $ 124,981 $ 988,051
174 $ 6,341,150 $ 1,113,032 $ 110,160 $ 1,002,871
175 $ 5,323,235 $ 1,113,032 $ 95,117 $ 1,017,914
176 $ 4,290,052 $ 1,113,032 $ 79,849 $ 1,033,183
177 $ 3,241,371 $ 1,113,032 $ 64,351 $ 1,048,681
178 $ 2,176,960 $ 1,113,032 $ 48,621 $ 1,064,411
179 $ 1,096,583 $ 1,113,032 $ 32,654 $ 1,080,377
180 $0 $ 1,113,032 $ 16,449 $ 1,096,583
TOTAL $ 219,110,958 $ 139,110,958 $ 80,000,000
 MES
AHORROS
X = P i(1+i)^n
i(1+i)^n-1

X = $ 80,000,000 1.50% 14.584368

1.50% 13.584368

X = $ 80,000,000 1.50% 1.07361402628

X = $ 80,000,000 0.0161042104

X = $ 1,288,337

REGISTRO CONTABLE RECONOCIMIENTO INICIAL

CODIGO CUENTA DEBE HABER

210505 BANCOS NAL ###
111005 BANCOS NAL $ 80,000,000

CODIGO CUENTA DEBE HABER

210505 BANCOS NAL $ 88,337
530520 INTERESE $ 1,200,000
111005 BANCOS $ 1,288,337
NUEVA CUOTA $ 1,113,031.66
SALDO $ 63,491,092
INTERES 1.50%
PAZO 130
 50
$ 10,000,000
 CREDITO
MENOR TASA DE
COMPARATIVO CONDICIONES
INTERES
NORMALES

CASO 1 CASO 2
VALOR DEL CREDITO $ 80,000,000 $ 80,000,000
TASA DE INTERES 1.50% 1.40%
PLAZO 180 180
CUOTA MENSUAL $ 1,288,337 $ 1,219,882
CUOTA MENSUAL
ANALISIS
TOTAL PAGADO $ 231,900,630 $ 219,578,701
INTERESES PAGADOS $ 151,900,630 $ 139,578,701
CAPITAL PAGADO $ 80,000,000 $ 80,000,000

CASO RECOMENDADO
CASO NO RECOMENDADO
 ABONO A CAPITAL CON
ABONO A CAPITAL CON
MENOR PLAZO DISMINUCION DEL
DISMINUCION DE LA CUOTA
PLAZO

CASO 3 CASO 4 CASO 5

$ 80,000,000 $ 80,000,000 $ 80,000,000
1.50% 1.50% 1.50%
150 180 180
$ 1,344,048 $ 1,288,337 $ 1,288,337
$ 1,113,032
ANALISIS
$ 201,607,267 $ 190,719,356 $ 219,110,958
$ 121,607,267 $ 110,719,357 $ 139,110,958
$ 80,000,000 $ 80,000,000 $ 80,000,000