ESQUEMA TRADICIONAL O DE PAGOS DESIGUALES ESQUEMA DE ANUALIDADES O PAGOS IGUALES

Monto de préstamo 25,000,000 Monto de préstamo 25,000,000

Periodo (n) 3 año(s) Periodo (n) 3
36 meses 36
Tasa de interés (i) 19.5 anual Tasa de interés (i) 19.5
1.62% mensual 1.62%
PAGO FIJO -921,971.59
Tasa efectiva 21.27% Nota a: A*
1 (1+i)1 n

3 2 4 1 3 4

Periodo Interés Amortización Pago Saldo insoluto Periodo Interés Amortización

0 25,000,000 0
1 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 24,305,555.56 1 $405,000.00 $516,971.59
2 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 23,611,111.11 2 $396,625.06 $525,346.53
3 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 22,916,666.67 3 $388,114.45 $533,857.15
4 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 22,222,222.22 4 $379,465.96 $542,505.63
5 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 21,527,777.78 5 $370,677.37 $551,294.22
6 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 20,833,333.33 6 $361,746.40 $560,225.19
7 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 20,138,888.89 7 $352,670.75 $569,300.84
8 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 19,444,444.44 8 $343,448.08 $578,523.51
9 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 18,750,000.00 9 $334,076.00 $587,895.59
10 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 18,055,555.56 10 $324,552.09 $597,419.50
11 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 17,361,111.11 11 $314,873.90 $607,097.70
12 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 16,666,666.67 12 $305,038.91 $616,932.68
13 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 15,972,222.22 13 $295,044.60 $626,926.99
14 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 15,277,777.78 14 $284,888.39 $637,083.21
15 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 14,583,333.33 15 $274,567.64 $647,403.95
16 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 13,888,888.89 16 $264,079.69 $657,891.90
17 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 13,194,444.44 17 $253,421.85 $668,549.75
 18 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 12,500,000.00 18 $242,591.34 $679,380.25
19 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 11,805,555.56 19 $231,585.38 $690,386.21
20 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 11,111,111.11 20 $220,401.12 $701,570.47
21 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 10,416,666.67 21 $209,035.68 $712,935.91
22 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 9,722,222.22 22 $197,486.12 $724,485.47
23 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 9,027,777.78 23 $185,749.46 $736,222.14
24 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 8,333,333.33 24 $173,822.66 $748,148.94
25 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 7,638,888.89 25 $161,702.64 $760,268.95
26 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 6,944,444.44 26 $149,386.29 $772,585.31
27 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 6,250,000.00 27 $136,870.41 $785,101.19
28 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 5,555,555.56 28 $124,151.77 $797,819.83
29 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 4,861,111.11 29 $111,227.08 $810,744.51
30 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 4,166,666.67 30 $98,093.02 $823,878.57
31 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 3,472,222.22 31 $84,746.19 $837,225.40
32 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 2,777,777.78 32 $71,183.14 $850,788.45
33 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 2,083,333.33 33 $57,400.37 $864,571.23
34 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 1,388,888.89 34 $43,394.31 $878,577.28
35 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 694,444.44 35 $29,161.36 $892,810.23
36 $ 405,000.00 $ 694,444.44 $ 1,099,444.44 $ 0.00 36 $14,697.83 $907,273.76
TOTAL $ 14,580,000.00 $ 25,000,000.00 $ 39,580,000.00 TOTAL $8,190,977.32 $25,000,000.00
PAGOS DESIGUALES O TRADICIONAL PAGOS IGUALES O ANUALIDADES
OS IGUALES

año(s)
meses
anual
mensual
mensual

2 1

Pago Saldo insoluto

25,000,000
$921,971.59 $24,483,028.41
$921,971.59 $23,957,681.88
$921,971.59 $23,423,824.73
$921,971.59 $22,881,319.10
$921,971.59 $22,330,024.88
$921,971.59 $21,769,799.69
$921,971.59 $21,200,498.85
$921,971.59 $20,621,975.34
$921,971.59 $20,034,079.75
$921,971.59 $19,436,660.25
$921,971.59 $18,829,562.55
$921,971.59 $18,212,629.87
$921,971.59 $17,585,702.88
$921,971.59 $16,948,619.68
$921,971.59 $16,301,215.72
$921,971.59 $15,643,323.83
$921,971.59 $14,974,774.08
 $921,971.59 $14,295,393.83
$921,971.59 $13,605,007.62
$921,971.59 $12,903,437.15
$921,971.59 $12,190,501.24
$921,971.59 $11,466,015.76
$921,971.59 $10,729,793.63
$921,971.59 $9,981,644.69
$921,971.59 $9,221,375.74
$921,971.59 $8,448,790.44
$921,971.59 $7,663,689.25
$921,971.59 $6,865,869.42
$921,971.59 $6,055,124.92
$921,971.59 $5,231,246.35
$921,971.59 $4,394,020.95
$921,971.59 $3,543,232.49
$921,971.59 $2,678,661.27
$921,971.59 $1,800,083.99
$921,971.59 $907,273.76
$921,971.59 $0.00
$33,190,977.32
ESQUEMA TRADICIONAL O DE PAGOS DESIGUALES ESQUEMA DE ANUALIDADES O PAGOS IGUALES

Monto de préstamo $ 250 Monto de préstamo $ 250

Periodo (n) 0.75 año(s) Periodo (n) $ 1 año(s)
9 meses 9 meses
Tasa de interés (i) 12.0% anual Tasa de interés (i) 12.0% anual
1.00% mensual 1.00% mensual
PAGO FIJO $ 29.19 mensual
Nota a: A*
1 (1+i)1 n

i
Periodo Interés Amortización Pago Saldo Periodo Interés Amortización Pago
insoluto
0 250.00 0
1 2.50 27.78 30.28 222.22 1 2.50 26.69 29.19
2 2.22 27.78 30.00 194.44 2 2.23 26.95 29.19
3 1.94 27.78 29.72 166.67 3 1.96 27.22 29.19
4 1.67 27.78 29.44 138.89 4 1.69 27.49 29.19
5 1.39 27.78 29.17 111.11 5 1.42 27.77 29.19
6 1.11 27.78 28.89 83.33 6 1.14 28.05 29.19
7 0.83 27.78 28.61 55.56 7 0.86 28.33 29.19
8 0.56 27.78 28.33 27.78 8 0.58 28.61 29.19
9 0.28 27.78 28.06 - 9 0.29 28.90 29.19
10 - 27.78 27.78 - 27.78 10 - 29.19 29.19
11 - 0.28 27.78 27.50 - 55.56 11 - 0.29 29.48 29.19
12 - 0.56 27.78 27.22 - 83.33 12 - 0.59 29.77 29.19
TOTAL 11.67 333.33 345.00 TOTAL 11.79 338.43 350.22
 Saldo
insoluto
250.00
223.31
196.36
169.14
141.65
113.88
85.83
57.51
28.90
-
- 29.19
- 58.66
- 88.43