amortizacion con periodo de gracia

Tasa 1%
Periodo 60
Va 50000000
Cuota $ 1,234,487.94

Periodo Saldo Interes Cuota Amortiguacion

0 $ 50,000,000.00
1 $ 50,000,000.00 ### $ 0.00 -$ 500,000.00
2 $ 50,500,000.00 ### $ 0.00 -$ 505,000.00
3 $ 51,005,000.00 ### $ 0.00 -$ 510,050.00
4 $ 51,515,050.00 ### $ 0.00 -$ 515,150.50
5 $ 52,030,200.50 ### $ 0.00 -$ 520,302.01
6 $ 51,316,014.56 ### $ 1,234,487.94 $ 714,185.94
7 $ 50,594,686.77 ### $ 1,234,487.94 $ 721,327.80
8 $ 49,866,145.69 ### $ 1,234,487.94 $ 728,541.07
9 $ 49,130,319.21 ### $ 1,234,487.94 $ 735,826.48
10 $ 48,387,134.46 ### $ 1,234,487.94 $ 743,184.75
11 $ 47,636,517.86 ### $ 1,234,487.94 $ 750,616.60
12 $ 46,878,395.10 ### $ 1,234,487.94 $ 758,122.76
13 $ 46,112,691.11 ### $ 1,234,487.94 $ 765,703.99
14 $ 45,339,330.08 ### $ 1,234,487.94 $ 773,361.03
15 $ 44,558,235.44 ### $ 1,234,487.94 $ 781,094.64
16 $ 43,769,329.85 ### $ 1,234,487.94 $ 788,905.59
17 $ 42,972,535.20 ### $ 1,234,487.94 $ 796,794.64
18 $ 42,167,772.61 ### $ 1,234,487.94 $ 804,762.59
19 $ 41,354,962.40 ### $ 1,234,487.94 $ 812,810.22
20 $ 40,534,024.08 ### $ 1,234,487.94 $ 820,938.32
21 $ 39,704,876.38 ### $ 1,234,487.94 $ 829,147.70
22 $ 38,867,437.20 ### $ 1,234,487.94 $ 837,439.18
23 $ 38,021,623.63 ### $ 1,234,487.94 $ 845,813.57
24 $ 37,167,351.93 ### $ 1,234,487.94 $ 854,271.71
25 $ 36,304,537.50 ### $ 1,234,487.94 $ 862,814.42
26 $ 35,433,094.94 ### $ 1,234,487.94 $ 871,442.57
27 $ 34,552,937.94 ### $ 1,234,487.94 $ 880,156.99
28 $ 33,663,979.38 ### $ 1,234,487.94 $ 888,958.56
29 $ 32,766,131.23 ### $ 1,234,487.94 $ 897,848.15
30 $ 31,859,304.61 ### $ 1,234,487.94 $ 906,826.63
31 $ 30,943,409.71 ### $ 1,234,487.94 $ 915,894.90
32 $ 30,018,355.86 ### $ 1,234,487.94 $ 925,053.84
33 $ 29,084,051.48 ### $ 1,234,487.94 $ 934,304.38
34 $ 28,140,404.05 ### $ 1,234,487.94 $ 943,647.43
35 $ 27,187,320.15 ### $ 1,234,487.94 $ 953,083.90
36 $ 26,224,705.41 ### $ 1,234,487.94 $ 962,614.74
37 $ 25,252,464.53 ### $ 1,234,487.94 $ 972,240.89
38 $ 24,270,501.23 ### $ 1,234,487.94 $ 981,963.30
39 $ 23,278,718.30 ### $ 1,234,487.94 $ 991,782.93
40 $ 22,277,017.54 ### $ 1,234,487.94 $ 1,001,700.76
41 $ 21,265,299.77 ### $ 1,234,487.94 $ 1,011,717.77
42 $ 20,243,464.83 ### $ 1,234,487.94 $ 1,021,834.94
43 $ 19,211,411.54 ### $ 1,234,487.94 $ 1,032,053.29
44 $ 18,169,037.71 ### $ 1,234,487.94 $ 1,042,373.83
45 $ 17,116,240.15 ### $ 1,234,487.94 $ 1,052,797.56
46 $ 16,052,914.60 ### $ 1,234,487.94 $ 1,063,325.54
47 $ 14,978,955.81 ### $ 1,234,487.94 $ 1,073,958.80
48 $ 13,894,257.43 ### $ 1,234,487.94 $ 1,084,698.38
49 $ 12,798,712.06 ### $ 1,234,487.94 $ 1,095,545.37
50 $ 11,692,211.24 ### $ 1,234,487.94 $ 1,106,500.82
51 $ 10,574,645.41 ### $ 1,234,487.94 $ 1,117,565.83
52 $ 9,445,903.92 ### $ 1,234,487.94 $ 1,128,741.49
53 $ 8,305,875.02 $ 94,459.04 $ 1,234,487.94 $ 1,140,028.90
54 $ 7,154,445.82 $ 83,058.75 $ 1,234,487.94 $ 1,151,429.19
55 $ 5,991,502.34 $ 71,544.46 $ 1,234,487.94 $ 1,162,943.48
56 $ 4,816,929.42 $ 59,915.02 $ 1,234,487.94 $ 1,174,572.92
57 $ 3,630,610.78 $ 48,169.29 $ 1,234,487.94 $ 1,186,318.65
58 $ 2,432,428.94 $ 36,306.11 $ 1,234,487.94 $ 1,198,181.83
59 $ 1,222,265.29 $ 24,324.29 $ 1,234,487.94 $ 1,210,163.65
60 $ 0.00 $ 12,222.65 $ 1,234,487.94 $ 1,222,265.29
Valor del torno gradiantes artimetricos
Primera cuota 220000
Gradiante 30000
Tasa 3.50%
Numero de periodos 18

periodo cuota interes amortizacion saldo

0 $ 5,901,028.16
1 ### $ 206,535.99 $ 13,464.01 $ 5,887,564.15
2 ### $ 206,064.75 $ 43,935.25 $ 5,843,628.90
3 ### $ 204,527.01 $ 75,472.99 $ 5,768,155.91
4 ### $ 201,885.46 $ 108,114.54 $ 5,660,041.36
5 ### $ 198,101.45 $ 141,898.55 $ 5,518,142.81
6 ### $ 193,135.00 $ 176,865.00 $ 5,341,277.81
7 ### $ 186,944.72 $ 213,055.28 $ 5,128,222.53
8 ### $ 179,487.79 $ 250,512.21 $ 4,877,710.32
9 ### $ 170,719.86 $ 289,280.14 $ 4,588,430.18
10 ### $ 160,595.06 $ 329,404.94 $ 4,259,025.24
11 ### $ 149,065.88 $ 370,934.12 $ 3,888,091.12
12 ### $ 136,083.19 $ 413,916.81 $ 3,474,174.31
13 ### $ 121,596.10 $ 458,403.90 $ 3,015,770.41
14 ### $ 105,551.96 $ 504,448.04 $ 2,511,322.38
15 ### $ 87,896.28 $ 552,103.72 $ 1,959,218.66
16 ### $ 68,572.65 $ 601,427.35 $ 1,357,791.31
17 ### $ 47,522.70 $ 652,477.30 $ 705,314.01
18 ### $ 24,685.99 $ 705,314.01 $ 0.00

el valor de la cuota del periodo 12 es de $550000

 gradiante artimetrico
800000
700000
600000
500000
400000
300000
200000
100000
0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Column C Column D
valor presente $ 60,000,000.00 ejemplo #2 gradianes aritmetricos
Gradiante 30000
tasa 2.80%
Numero de periodos 36
periodo cuota
0
1 $ 2,229,797.24
2 $ 2,259,797.24
3 $ 2,289,797.24
4 $ 2,319,797.24
5 $ 2,349,797.24
6 $ 2,379,797.24
7 $ 2,409,797.24
8 $ 2,439,797.24
9 $ 2,469,797.24
10 $ 2,499,797.24
11 $ 2,529,797.24
12 $ 2,559,797.24
13 $ 2,589,797.24
14 $ 2,619,797.24
15 $ 2,649,797.24
16 $ 2,679,797.24
17 $ 2,709,797.24
18 $ 2,739,797.24
19 $ 2,769,797.24
20 $ 2,799,797.24
21 $ 2,829,797.24
22 $ 2,859,797.24
23 $ 2,889,797.24
24 $ 2,919,797.24
25 $ 2,949,797.24
26 $ 2,979,797.24
27 $ 3,009,797.24
28 $ 3,039,797.24
29 $ 3,069,797.24
30 $ 3,099,797.24
31 $ 3,129,797.24
32 $ 3,159,797.24
33 $ 3,189,797.24
34 $ 3,219,797.24
35 $ 3,249,797.24
36 $ 3,279,797.24
mplo #2 gradianes aritmetricos

interes amortizacion saldo yo supuse una cuota inicial de 3000000 donde

$ 60,000,000.00 ajustando con el analisis de hipotesis identifiqu
$ 1,680,000.00 $ 549,797.24 $ 59,450,202.76
$ 1,664,605.68 $ 595,191.56 $ 58,855,011.19
$ 1,647,940.31 $ 641,856.93 $ 58,213,154.26 y el valor en la cuota numero 24 es 2919297
$ 1,629,968.32 $ 689,828.92 $ 57,523,325.34
$ 1,610,653.11 $ 739,144.13 $ 56,784,181.21
$ 1,589,957.07 $ 789,840.17 $ 55,994,341.04
$ 1,567,841.55 $ 841,955.69 $ 55,152,385.35
$ 1,544,266.79 $ 895,530.45 $ 54,256,854.90
$ 1,519,191.94 $ 950,605.31 $ 53,306,249.59
$ 1,492,574.99 $ 1,007,222.25 $ 52,299,027.34
$ 1,464,372.77 $ 1,065,424.48 $ 51,233,602.86
$ 1,434,540.88 $ 1,125,256.36 $ 50,108,346.50 gradiante a
$ 1,403,033.70 $ 1,186,763.54 $ 48,921,582.96
$ 1,369,804.32 $ 1,249,992.92 $ 47,671,590.04 3500000
$ 1,334,804.52 $ 1,314,992.72 $ 46,356,597.32
3000000
$ 1,297,984.72 $ 1,381,812.52 $ 44,974,784.80
$ 1,259,293.97 $ 1,450,503.27 $ 43,524,281.53 2500000
$ 1,218,679.88 $ 1,521,117.36 $ 42,003,164.17 2000000
$ 1,176,088.60 $ 1,593,708.65 $ 40,409,455.53
1500000
$ 1,131,464.75 $ 1,668,332.49 $ 38,741,123.04
$ 1,084,751.45 $ 1,745,045.80 $ 36,996,077.24 1000000
$ 1,035,890.16 $ 1,823,907.08 $ 35,172,170.16 500000
$ 984,820.76 $ 1,904,976.48 $ 33,267,193.69
0
$ 931,481.42 $ 1,988,315.82 $ 31,278,877.87 1 3 5 7 9 11 13 15 17 19 21
$ 875,808.58 $ 2,073,988.66 $ 29,204,889.21
$ 817,736.90 $ 2,162,060.34 $ 27,042,828.86 Column E Co
$ 757,199.21 $ 2,252,598.03 $ 24,790,230.83
$ 694,126.46 $ 2,345,670.78 $ 22,444,560.05
$ 628,447.68 $ 2,441,349.56 $ 20,003,210.49
$ 560,089.89 $ 2,539,707.35 $ 17,463,503.14
$ 488,978.09 $ 2,640,819.15 $ 14,822,683.98
$ 415,035.15 $ 2,744,762.09 $ 12,077,921.89
$ 338,181.81 $ 2,851,615.43 $ 9,226,306.46
$ 258,336.58 $ 2,961,460.66 $ 6,264,845.80
$ 175,415.68 $ 3,074,381.56 $ 3,190,464.24
$ 89,333.00 $ 3,190,464.24 $ 0.00
cuota inicial de 3000000 donde el saldo en el prediodo 36 es 46828754
el analisis de hipotesis identifique, que la cuota tiene que ser de 2229797

cuota numero 24 es 2919297

gradiante artimetrico

5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37

Column E Column F