TEORÍA DE LAS AMORTIZZACIONES

P= 20000
n= 10.91
i= 37.0908% 0.11088586 11%
pago S/ 3,249.41

Saldo Préstamo
Servico Cuota de Cuota de
Per Insoluto Extinguido
Deuda (R) Interés (Ik) Capital (Ck)
(Dk) (Ek)
0 20000
1 S/ 3,249.41 2217.7171 S/ 1,031.69 S/ 18,968.31 S/ 1,031.69
2 S/ 3,249.41 2103.31675 S/ 1,146.10 S/ 17,822.21 S/ 2,177.79
3 S/ 3,249.41 1976.23103 S/ 1,273.18 S/ 16,549.03 S/ 3,450.97
4 S/ 3,249.41 1835.05329 S/ 1,414.36 S/ 15,134.67 S/ 4,865.33
5 S/ 3,249.41 1678.22094 S/ 1,571.19 S/ 13,563.48 S/ 6,436.52
6 S/ 3,249.41 1503.99809 S/ 1,745.41 S/ 11,818.07 S/ 8,181.93
7 S/ 3,249.41 1310.4564 S/ 1,938.96 S/ 9,879.11 S/ 10,120.89
8 S/ 3,249.41 1095.45368 S/ 2,153.96 S/ 7,725.15 S/ 12,274.85
9 S/ 3,249.41 856.61019 S/ 2,392.80 S/ 5,332.35 S/ 14,667.65
10 S/ 3,249.41 591.282339 S/ 2,658.13 S/ 2,674.22 S/ 17,325.78
11 S/ 3,249.41 296.533381 S/ 2,952.88 -S/ 278.66 S/ 20,278.66
 P= 5000
n= 8
i= 12.7% 0.00999813 1%
pago S/ 653.45

Saldo Préstamo
Servico Cuota de Cuota de
Per Insoluto Extinguido
Deuda (R) Interés (Ik) Capital (Ck)
(Dk) (Ek)
0 5000
1 S/ 653.45 49.9906519 S/ 603.46 S/ 4,396.54 S/ 603.46
2 S/ 653.45 43.9572259 S/ 609.49 S/ 3,787.06 S/ 1,212.94
3 S/ 653.45 37.8634769 S/ 615.58 S/ 3,171.47 S/ 1,828.53
4 S/ 653.45 31.7088017 S/ 621.74 S/ 2,549.74 S/ 2,450.26
5 S/ 653.45 25.4925913 S/ 627.95 S/ 1,921.78 S/ 3,078.22
6 S/ 653.45 19.2142305 S/ 634.23 S/ 1,287.55 S/ 3,712.45
7 S/ 653.45 12.8730978 S/ 640.57 S/ 646.98 S/ 4,353.02
8 S/ 653.45 6.46856555 S/ 646.98 S/ 0.00 S/ 5,000.00
 P= 97719.5
n= 40
i= 4.25% 0.0034745 0.3%
pago S/ 2,620.92
 Saldo Préstamo
Servico Cuota de Cuota de
Per Insoluto Extinguido
Deuda (R) Interés (Ik) Capital (Ck)
(Dk) (Ek)
0 97719.5
1 S/ 2,620.92 339.525914 S/ 2,281.39 S/ 95,438.11 S/ 2,281.39
2 S/ 2,620.92 331.599235 S/ 2,289.32 S/ 93,148.79 S/ 4,570.71
3 S/ 2,620.92 323.645014 S/ 2,297.27 S/ 90,851.52 S/ 6,867.98
4 S/ 2,620.92 315.663157 S/ 2,305.25 S/ 88,546.27 S/ 9,173.23
5 S/ 2,620.92 307.653567 S/ 2,313.26 S/ 86,233.01 S/ 11,486.49
6 S/ 2,620.92 299.616147 S/ 2,321.30 S/ 83,911.71 S/ 13,807.79
7 S/ 2,620.92 291.550801 S/ 2,329.37 S/ 81,582.34 S/ 16,137.16
8 S/ 2,620.92 283.457432 S/ 2,337.46 S/ 79,244.88 S/ 18,474.62
9 S/ 2,620.92 275.335943 S/ 2,345.58 S/ 76,899.30 S/ 20,820.20
10 S/ 2,620.92 267.186236 S/ 2,353.73 S/ 74,545.57 S/ 23,173.93
11 S/ 2,620.92 259.008213 S/ 2,361.91 S/ 72,183.66 S/ 25,535.84
12 S/ 2,620.92 250.801775 S/ 2,370.11 S/ 69,813.55 S/ 27,905.95
13 S/ 2,620.92 242.566824 S/ 2,378.35 S/ 67,435.20 S/ 30,284.30
14 S/ 2,620.92 234.303261 S/ 2,386.61 S/ 65,048.59 S/ 32,670.91
15 S/ 2,620.92 226.010986 S/ 2,394.91 S/ 62,653.68 S/ 35,065.82
16 S/ 2,620.92 217.689899 S/ 2,403.23 S/ 60,250.45 S/ 37,469.05
17 S/ 2,620.92 209.339901 S/ 2,411.58 S/ 57,838.88 S/ 39,880.62
18 S/ 2,620.92 200.960891 S/ 2,419.96 S/ 55,418.92 S/ 42,300.58
19 S/ 2,620.92 192.552769 S/ 2,428.36 S/ 52,990.56 S/ 44,728.94
20 S/ 2,620.92 184.115432 S/ 2,436.80 S/ 50,553.76 S/ 47,165.74
21 S/ 2,620.92 175.648779 S/ 2,445.27 S/ 48,108.49 S/ 49,611.01
22 S/ 2,620.92 167.15271 S/ 2,453.76 S/ 45,654.73 S/ 52,064.77
23 S/ 2,620.92 158.62712 S/ 2,462.29 S/ 43,192.44 S/ 54,527.06
24 S/ 2,620.92 150.071909 S/ 2,470.84 S/ 40,721.59 S/ 56,997.91
25 S/ 2,620.92 141.486973 S/ 2,479.43 S/ 38,242.16 S/ 59,477.34
26 S/ 2,620.92 132.872208 S/ 2,488.04 S/ 35,754.12 S/ 61,965.38
27 S/ 2,620.92 124.227511 S/ 2,496.69 S/ 33,257.43 S/ 64,462.07
28 S/ 2,620.92 115.552779 S/ 2,505.36 S/ 30,752.07 S/ 66,967.43
29 S/ 2,620.92 106.847906 S/ 2,514.07 S/ 28,238.00 S/ 69,481.50
30 S/ 2,620.92 98.1127877 S/ 2,522.80 S/ 25,715.20 S/ 72,004.30
31 S/ 2,620.92 89.3473196 S/ 2,531.57 S/ 23,183.63 S/ 74,535.87
32 S/ 2,620.92 80.5513959 S/ 2,540.36 S/ 20,643.26 S/ 77,076.24
33 S/ 2,620.92 71.7249108 S/ 2,549.19 S/ 18,094.07 S/ 79,625.43
34 S/ 2,620.92 62.8677581 S/ 2,558.05 S/ 15,536.02 S/ 82,183.48
35 S/ 2,620.92 53.9798314 S/ 2,566.94 S/ 12,969.09 S/ 84,750.41
36 S/ 2,620.92 45.0610235 S/ 2,575.86 S/ 10,393.23 S/ 87,326.27
37 S/ 2,620.92 36.1112273 S/ 2,584.81 S/ 7,808.43 S/ 89,911.07
38 S/ 2,620.92 27.1303351 S/ 2,593.79 S/ 5,214.64 S/ 92,504.86
39 S/ 2,620.92 18.1182388 S/ 2,602.80 S/ 2,611.84 S/ 95,107.66
40 S/ 2,620.92 9.07483005 S/ 2,611.84 -S/ 0.00 S/ 97,719.50
 P= 97000
n= 6
i= 34.28% 0.02486724 2.5%
pago S/ 17,602.53

Saldo Préstamo
Servico Cuota de Cuota de
Per Insoluto Extinguido
Deuda (R) Interés (Ik) Capital (Ck)
(Dk) (Ek)
0 97000
1 S/ 17,602.53 2412.12227 S/ 15,190.41 S/ 81,809.59 S/ 15,190.41
2 S/ 17,602.53 2034.37879 S/ 15,568.15 S/ 66,241.44 S/ 30,758.56
3 S/ 17,602.53 1647.24186 S/ 15,955.29 S/ 50,286.16 S/ 46,713.84
4 S/ 17,602.53 1250.47791 S/ 16,352.05 S/ 33,934.11 S/ 63,065.89
5 S/ 17,602.53 843.847531 S/ 16,758.68 S/ 17,175.42 S/ 79,824.58
6 S/ 17,602.53 427.105379 S/ 17,175.42 S/ 0.00 S/ 97,000.00