SERVICIO DE LA DEUDA : MÉTODO FRANCES

DEUDA 10,360
(1+𝑇𝐼𝐸)^𝑡-1𝐹𝑅𝐶=𝑃[(
TIE 15% SEMESTRAL 60
PLAZO 12 TRIMESTRES 90
TIE 23.32% TRIMESTRAL 3

N° DEUDA AMORTIZACIÓN INTERÉS CUOTA SALDO

0 10,360.00 10,360.00
1 10,360.00 212.42 2,416.34 2,628.76 10,147.58
2 10,147.58 261.96 2,366.80 2,628.76 9,885.62
3 9,885.62 323.06 2,305.70 2,628.76 9,562.56
4 9,562.56 398.41 2,230.35 2,628.76 9,164.15
5 9,164.15 491.33 2,137.42 2,628.76 8,672.82
6 8,672.82 605.93 2,022.83 2,628.76 8,066.89
7 8,066.89 747.26 1,881.50 2,628.76 7,319.63
8 7,319.63 921.55 1,707.21 2,628.76 6,398.08
9 6,398.08 1,136.48 1,492.27 2,628.76 5,261.60
10 5,261.60 1,401.56 1,227.20 2,628.76 3,860.04
11 3,860.04 1,728.45 900.31 2,628.76 2,131.59
12 2,131.59 2,131.59 497.17 2,628.76 0.00
TOTAL 0.00 10,360.00 21,185.11 31,545.11
[(𝑇𝐼(1+𝑇𝐼)^𝑡)/((1+𝑇𝐼)^𝑡−1)]
 SERVICIO DE LA DEUDA : SUMA DE DÍGITOS

DEUDA 15,850 (1+𝑇𝐼𝐸)^𝑡-1

TIE 11% CUATRIMESTRAL 120
PLAZO 12 AÑOS 360
TIE 36.76% ANUAL

N° PROPORCIÓN AMORTIZACIÓN INTERÉS CUOTA SALDO

0 15,850.00
1 1.28% 203.21 5,826.95 6,030.16 15,646.79
2 2.56% 406.41 5,752.25 6,158.66 15,240.38
3 3.85% 609.62 5,602.84 6,212.45 14,630.77
4 5.13% 812.82 5,378.72 6,191.54 13,817.95
5 6.41% 1,016.03 5,079.91 6,095.93 12,801.92
6 7.69% 1,219.23 4,706.38 5,925.61 11,582.69
7 8.97% 1,422.44 4,258.16 5,680.59 10,160.26
8 10.26% 1,625.64 3,735.23 5,360.87 8,534.62
9 11.54% 1,828.85 3,137.59 4,966.44 6,705.77
10 12.82% 2,032.05 2,465.25 4,497.30 4,673.72
11 14.10% 2,235.26 1,718.20 3,953.46 2,438.46
12 15.38% 2,438.46 896.45 3,334.92 0.00
78 100% 15,850.00 48,557.93 64,407.93
 SERVICIO DE LA DEUDA : PERIODO DE GRACIA PARCIAL MÈTODO FRANCES

PRÉSTAMO 9,380
TIN 26% ANUAL 12 (1+𝑇𝐼𝑁/
PLAZOS 12 BIMESTRES 2
M CUATRIMESTRAL 𝑚)^𝑡-1
GRACIA 3 CUOTAS
TIE 4.38% BIMESTRAL

𝐶𝑢𝑜𝑡𝑎(𝑘)=𝑃∗𝑖/(1−(1+𝑖)^(−(𝑡−𝑔) ) ) 1283.4982851

N° DEUDA AMORTIZACIÓN INTERÉS CUOTA SALDO

0 9,380.00 9,380.00
1 9,380.00 410.87 410.87 9,380.00
2 9,380.00 410.87 410.87 9,380.00
3 9,380.00 410.87 1,283.50 9,380.00
4 9,380.00 872.63 410.87 1,283.50 8,507.37
5 8,507.37 910.85 372.65 1,283.50 7,596.52
6 7,596.52 950.75 332.75 1,283.50 6,645.77
7 6,645.77 992.40 291.10 1,283.50 5,653.38
8 5,653.38 1,035.86 247.63 1,283.50 4,617.51
9 4,617.51 1,081.24 202.26 1,283.50 3,536.27
10 3,536.27 1,128.60 154.90 1,283.50 2,407.67
11 2,407.67 1,178.04 105.46 1,283.50 1,229.64
12 1,229.64 1,229.64 53.86 1,283.50 0.00
TOTAL 0.00 9,380.00 3,404.09 13,656.72
 SERVICIO DE LA DEUDA : PERIODO DE GRACIA TOTAL MÉTODO ALEMÀN

DEUDA 12,500
TIE
PLAZOS
10%
12
SEMESTRAL
TRIMESTRES
60
90
(1+𝑇𝐼𝐸)^𝑡−1
GRACIA 4 CUOTAS
TIE 15.37% TRIMESTRAL 3

𝐴(𝑘)=𝑃/(𝑡−𝑔) 1562.5

N° DEUDA AMORTIZACIÓN INTERÉS CUOTA SALDO

0 12,500.00 12,500.00
1 12,500.00 12,500.00
2 12,500.00 12,500.00
3 12,500.00 12,500.00
4 12,500.00 12,500.00
5 12,500.00 1,562.50 1,921.12 3,483.62 10,937.50
6 10,937.50 1,562.50 1,680.98 3,243.48 9,375.00
7 9,375.00 1,562.50 1,440.84 3,003.34 7,812.50
8 7,812.50 1,562.50 1,200.70 2,763.20 6,250.00
9 6,250.00 1,562.50 960.56 2,523.06 4,687.50
10 4,687.50 1,562.50 720.42 2,282.92 3,125.00
11 3,125.00 1,562.50 480.28 2,042.78 1,562.50
12 1,562.50 1,562.50 240.14 1,802.64 0.00
TOTAL 12,500.00 8,645.05 21,145.05

𝐹= 〖𝑃 (1+𝑇𝐼) 〗 ^𝑡2248.2348738652
 SERVICIO DE LA DEUDA : PERIODO DE GRACIA TOTAL MÉTODO FRANCES

PRÉSTAMO
TIN
5,000
5% MENSUAL 30 (1+𝑇𝐼𝑁/
PLAZOS 12 CUATRIMESTRES 120 𝑚)^𝑡-1
M DIARIA
GRACIA 5 CUOTAS
TIE 22.12% CUATRIMESTRAL
𝑜𝑡𝑎(𝑘)=𝑃 𝑖/(1−(1+𝑖)^(−(𝑡−𝑔) ) )
3266.17019662

N° DEUDA AMORTIZACIÓN INTERÉS CUOTA SALDO

0 5,000.00 5,000.00
1 5,000.00 5,000.00
2 6,106.00 6,106.00
3 7,456.64 7,456.64
4 9,106.04 9,106.04
5 11,120.30 11,120.30
6 11,120.30 806.37 2,459.80 3,266.17 10,313.93
7 10,313.93 984.73 2,281.44 3,266.17 9,329.20
8 9,329.20 1,202.56 2,063.61 3,266.17 8,126.64
9 8,126.64 1,468.56 1,797.61 3,266.17 6,658.08
10 6,658.08 1,793.41 1,472.76 3,266.17 4,864.67
11 4,864.67 2,190.11 1,076.06 3,266.17 2,674.56
12 2,674.56 2,674.56 591.61 3,266.17 0.00
TOTAL 11,120.30 11,742.89 22,863.19

𝐹= 〖𝑃 (1+𝑇𝐼) 〗 ^𝑡