integrantes : kielly Susana Alvarez Reales y Leonardo Alvarez Rea

Amortizacion con perriodo de gracia

periodo saldo interes cuotas amortizacion

0 $ 50,000,000.00
1 $ 50,500,000.00 $ 500,000.00 -$ 500,000.00
2 $ 51,005,000.00 $ 505,000.00 -$ 505,000.00
3 $ 51,515,050.00 $ 510,050.00 -$ 510,050.00
4 $ 52,030,200.50 $ 515,150.50 -$ 515,150.50
5 $ 52,550,502.51 $ 520,302.01 -$ 520,302.01
6 $ 51,829,174.71 $ 525,505.03 $ 1,246,832.82 $ 721,327.80
7 $ 51,100,633.63 $ 518,291.75 $ 1,246,832.82 $ 728,541.07
8 $ 50,364,807.15 $ 511,006.34 $ 1,246,832.82 $ 735,826.48
9 $ 49,621,622.40 $ 503,648.07 $ 1,246,832.82 $ 743,184.75
10 $ 48,871,005.80 $ 496,216.22 $ 1,246,832.82 $ 750,616.60
11 $ 48,112,883.04 $ 488,710.06 $ 1,246,832.82 $ 758,122.76
12 $ 47,347,179.05 $ 481,128.83 $ 1,246,832.82 $ 765,703.99
13 $ 46,573,818.02 $ 473,471.79 $ 1,246,832.82 $ 773,361.03
14 $ 45,792,723.38 $ 465,738.18 $ 1,246,832.82 $ 781,094.64
15 $ 45,003,817.79 $ 457,927.23 $ 1,246,832.82 $ 788,905.59
16 $ 44,207,023.15 $ 450,038.18 $ 1,246,832.82 $ 796,794.64
17 $ 43,402,260.56 $ 442,070.23 $ 1,246,832.82 $ 804,762.59
18 $ 42,589,450.34 $ 434,022.61 $ 1,246,832.82 $ 812,810.22
19 $ 41,768,512.02 $ 425,894.50 $ 1,246,832.82 $ 820,938.32
20 $ 40,939,364.32 $ 417,685.12 $ 1,246,832.82 $ 829,147.70
21 $ 40,101,925.14 $ 409,393.64 $ 1,246,832.82 $ 837,439.18
22 $ 39,256,111.57 $ 401,019.25 $ 1,246,832.82 $ 845,813.57
23 $ 38,401,839.87 $ 392,561.12 $ 1,246,832.82 $ 854,271.71
24 $ 37,539,025.45 $ 384,018.40 $ 1,246,832.82 $ 862,814.42
25 $ 36,667,582.88 $ 375,390.25 $ 1,246,832.82 $ 871,442.57
26 $ 35,787,425.89 $ 366,675.83 $ 1,246,832.82 $ 880,156.99
27 $ 34,898,467.32 $ 357,874.26 $ 1,246,832.82 $ 888,958.56
28 $ 34,000,619.18 $ 348,984.67 $ 1,246,832.82 $ 897,848.15
29 $ 33,093,792.55 $ 340,006.19 $ 1,246,832.82 $ 906,826.63
30 $ 32,177,897.65 $ 330,937.93 $ 1,246,832.82 $ 915,894.90
31 $ 31,252,843.81 $ 321,778.98 $ 1,246,832.82 $ 925,053.84
32 $ 30,318,539.42 $ 312,528.44 $ 1,246,832.82 $ 934,304.38
33 $ 29,374,892.00 $ 303,185.39 $ 1,246,832.82 $ 943,647.43
34 $ 28,421,808.10 $ 293,748.92 $ 1,246,832.82 $ 953,083.90
35 $ 27,459,193.35 $ 284,218.08 $ 1,246,832.82 $ 962,614.74
36 $ 26,486,952.47 $ 274,591.93 $ 1,246,832.82 $ 972,240.89
37 $ 25,504,989.17 $ 264,869.52 $ 1,246,832.82 $ 981,963.30
38 $ 24,513,206.24 $ 255,049.89 $ 1,246,832.82 $ 991,782.93
39 $ 23,511,505.48 $ 245,132.06 $ 1,246,832.82 $ 1,001,700.76
40 $ 22,499,787.72 $ 235,115.05 $ 1,246,832.82 $ 1,011,717.77
41 $ 21,477,952.77 $ 224,997.88 $ 1,246,832.82 $ 1,021,834.94
42 $ 20,445,899.48 $ 214,779.53 $ 1,246,832.82 $ 1,032,053.29
43 $ 19,403,525.65 $ 204,458.99 $ 1,246,832.82 $ 1,042,373.83
44 $ 18,350,728.09 $ 194,035.26 $ 1,246,832.82 $ 1,052,797.56
45 $ 17,287,402.55 $ 183,507.28 $ 1,246,832.82 $ 1,063,325.54
46 $ 16,213,443.75 $ 172,874.03 $ 1,246,832.82 $ 1,073,958.80
47 $ 15,128,745.37 $ 162,134.44 $ 1,246,832.82 $ 1,084,698.38
48 $ 14,033,200.00 $ 151,287.45 $ 1,246,832.82 $ 1,095,545.37
49 $ 12,926,699.18 $ 140,332.00 $ 1,246,832.82 $ 1,106,500.82
50 $ 11,809,133.35 $ 129,266.99 $ 1,246,832.82 $ 1,117,565.83
51 $ 10,680,391.86 $ 118,091.33 $ 1,246,832.82 $ 1,128,741.49
52 $ 9,540,362.96 $ 106,803.92 $ 1,246,832.82 $ 1,140,028.90
53 $ 8,388,933.77 $ 95,403.63 $ 1,246,832.82 $ 1,151,429.19
54 $ 7,225,990.28 $ 83,889.34 $ 1,246,832.82 $ 1,162,943.48
55 $ 6,051,417.36 $ 72,259.90 $ 1,246,832.82 $ 1,174,572.92
56 $ 4,865,098.72 $ 60,514.17 $ 1,246,832.82 $ 1,186,318.65
57 $ 3,666,916.88 $ 48,650.99 $ 1,246,832.82 $ 1,198,181.83
58 $ 2,456,753.23 $ 36,669.17 $ 1,246,832.82 $ 1,210,163.65
59 $ 1,234,487.94 $ 24,567.53 $ 1,246,832.82 $ 1,222,265.29
60 $ 0.00 $ 12,344.88 $ 1,246,832.82 $ 1,234,487.94
do Alvarez Reales tasa 1%
periodo 60
va $ 50,000,000.00
cuota $ 1,246,832.82
 Gradientes Aritmeticos ejemplo
valor del tormo
primero cuota $ 220,000.00 periodo cuota interes
gradiente $ 30,000.00 0
tasa 3.5% 1 $ 220,000.00 $ 206,535.99
Nº de periodo 18 2 $ 250,000.00 $ 206,064.75
3 $ 280,000.00 $ 204,527.01
4 $ 310,000.00 $ 201,885.46
5 $ 340,000.00 $ 198,101.45
6 $ 370,000.00 $ 193,135.00
7 $ 400,000.00 $ 186,944.72
8 $ 430,000.00 $ 179,487.79
9 $ 460,000.00 $ 170,719.86
10 $ 490,000.00 $ 160,595.06
11 $ 520,000.00 $ 149,065.88
el valor de la cuota en el periodo 12 pago $550,000 12 $ 550,000.00 $ 136,083.19
13 $ 580,000.00 $ 121,596.10
14 $ 610,000.00 $ 105,551.96
15 $ 640,000.00 $ 87,896.28
16 $ 670,000.00 $ 68,572.65
17 $ 700,000.00 $ 47,522.70
18 $ 730,000.00 $ 24,685.99
ejemplo ·1

amortizacion salgo
$ 5,901,028
$ 13,464.01 $ 5,887,564.15 gradiente aritmetrico
$ 43,935.25 $ 5,843,628.90 800000
$ 75,472.99 $ 5,768,155.91
700000
$ 108,114.54 $ 5,660,041.36
600000
$ 141,898.55 $ 5,518,142.81
$ 176,865.00 $ 5,341,277.81 500000

$ 213,055.28 $ 5,128,222.53 400000

$ 250,512.21 $ 4,877,710.32 300000
$ 289,280.14 $ 4,588,430.18 200000
$ 329,404.94 $ 4,259,025.24
100000
$ 370,934.12 $ 3,888,091.12
0
$ 413,916.81 $ 3,474,174.31 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19
$ 458,403.90 $ 3,015,770.41
Column E Column F
$ 504,448.04 $ 2,511,322.38
$ 552,103.72 $ 1,959,218.66
$ 601,427.35 $ 1,357,791.31
$ 652,477.30 $ 705,314.01
$ 705,314.01 $ -
3 14 15 16 17 18 19
 ejemplo ·2
valor de la deuda $ 60,000,000.00 periodo cuota
tasa 2.8% 0
gradiente $ 30,000.00 1 $ 10,000.00
Nº de periodo 36 2 $ 40,000.00
3 $ 70,000.00
4 $ 100,000.00
supongo un cuota de $10,000 y me dio un saldo final de $134,964,903,39
5 $ 130,000.00
6 $ 160,000.00
7 $ 190,000.00
8 $ 220,000.00
el valor de la primera cuota es de $10,000 y el de la cuota 24 seria $700,000
9 $ 250,000.00
10 $ 280,000.00
11 $ 310,000.00
12 $ 340,000.00
13 $ 370,000.00
14 $ 400,000.00
15 $ 430,000.00
16 $ 460,000.00
17 $ 490,000.00
18 $ 520,000.00
19 $ 550,000.00
20 $ 580,000.00
21 $ 610,000.00
22 $ 640,000.00
23 $ 670,000.00
24 $ 700,000.00
25 $ 730,000.00
26 $ 760,000.00
27 $ 790,000.00
28 $ 820,000.00
29 $ 850,000.00
30 $ 880,000.00
31 $ 910,000.00
32 $ 940,000.00
33 $ 970,000.00
34 $ 1,000,000.00
35 $ 1,030,000.00
36 $ 1,060,000.00
interes amortizacion saldo
$ 10,057,679.15
$ 281,615.02 -$ 271,615.02 $ 10,329,294.17 Chart Title
$ 289,220.24 -$ 249,220.24 $ 10,578,514.40 1200000
$ 296,198.40 -$ 226,198.40 $ 10,804,712.81
$ 302,531.96 -$ 202,531.96 $ 11,007,244.76 1000000

$ 308,202.85 -$ 178,202.85 $ 11,185,447.62 800000

$ 313,192.53 -$ 153,192.53 $ 11,338,640.15
$ 317,481.92 -$ 127,481.92 $ 11,466,122.08 600000

$ 321,051.42 -$ 101,051.42 $ 11,567,173.49 400000

$ 323,880.86 -$ 73,880.86 $ 11,641,054.35
$ 325,949.52 -$ 45,949.52 $ 11,687,003.87 200000
$ 327,236.11 -$ 17,236.11 $ 11,704,239.98 0
$ 327,718.72 $ 12,281.28 $ 11,691,958.70 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31
$ 327,374.84 $ 42,625.16 $ 11,649,333.55
periodo cuota
$ 326,181.34 $ 73,818.66 $ 11,575,514.88
$ 324,114.42 $ 105,885.58 $ 11,469,629.30
$ 321,149.62 $ 138,850.38 $ 11,330,778.92
$ 317,261.81 $ 172,738.19 $ 11,158,040.73
$ 312,425.14 $ 207,574.86 $ 10,950,465.87
$ 306,613.04 $ 243,386.96 $ 10,707,078.92
$ 299,798.21 $ 280,201.79 $ 10,426,877.13
$ 291,952.56 $ 318,047.44 $ 10,108,829.69
$ 283,047.23 $ 356,952.77 $ 9,751,876.92
$ 273,052.55 $ 396,947.45 $ 9,354,929.47
$ 261,938.03 $ 438,061.97 $ 8,916,867.50
$ 249,672.29 $ 480,327.71 $ 8,436,539.79
$ 236,223.11 $ 523,776.89 $ 7,912,762.90
$ 221,557.36 $ 568,442.64 $ 7,344,320.26
$ 205,640.97 $ 614,359.03 $ 6,729,961.23
$ 188,438.91 $ 661,561.09 $ 6,068,400.14
$ 169,915.20 $ 710,084.80 $ 5,358,315.35
$ 150,032.83 $ 759,967.17 $ 4,598,348.18
$ 128,753.75 $ 811,246.25 $ 3,787,101.92
$ 106,038.85 $ 863,961.15 $ 2,923,140.78
$ 81,847.94 $ 918,152.06 $ 2,004,988.72
$ 56,139.68 $ 973,860.32 $ 1,031,128.40
$ 28,871.60 $ 1,031,128.40 $ 0.00
rt Title

17 19 21 23 25 27 29 31 33 35 37

do cuota