DIFERIMIENTO CON PAGO DE INTERESES

VA= $ 5,000.00 Pago= $264.36

n= 24 m
i= 2% m/m

Nper Saldo In Interes Amortizacion Pago Saldo Final

1 $ 5,000.00 $ 100.00 $ - $ 100.00 $ 5,000.00 Paga solo el interes durante 6
2 $ 5,000.00 $ 100.00 $ - $ 100.00 $ 5,000.00
3 $ 5,000.00 $ 100.00 $ - $ 100.00 $ 5,000.00
4 $ 5,000.00 $ 100.00 $ - $ 100.00 $ 5,000.00
5 $ 5,000.00 $ 100.00 $ - $ 100.00 $ 5,000.00
6 $ 5,000.00 $ 100.00 $ - $ 100.00 $ 5,000.00
7 $ 5,000.00 $ 100.00 $ 164.36 $ 264.36 $ 4,835.64
8 $ 4,835.64 $ 96.71 $ 167.65 $ 264.36 $ 4,667.99
9 $ 4,667.99 $ 93.36 $ 171.00 $ 264.36 $ 4,496.99
10 $ 4,496.99 $ 89.94 $ 174.42 $ 264.36 $ 4,322.57
11 $ 4,322.57 $ 86.45 $ 177.91 $ 264.36 $ 4,144.66
12 $ 4,144.66 $ 82.89 $ 181.47 $ 264.36 $ 3,963.19
13 $ 3,963.19 $ 79.26 $ 185.10 $ 264.36 $ 3,778.09
14 $ 3,778.09 $ 75.56 $ 188.80 $ 264.36 $ 3,589.29
15 $ 3,589.29 $ 71.79 $ 192.57 $ 264.36 $ 3,396.72
16 $ 3,396.72 $ 67.93 $ 196.43 $ 264.36 $ 3,200.29
17 $ 3,200.29 $ 64.01 $ 200.35 $ 264.36 $ 2,999.94
18 $ 2,999.94 $ 60.00 $ 204.36 $ 264.36 $ 2,795.58
19 $ 2,795.58 $ 55.91 $ 208.45 $ 264.36 $ 2,587.13
20 $ 2,587.13 $ 51.74 $ 212.62 $ 264.36 $ 2,374.51
21 $ 2,374.51 $ 47.49 $ 216.87 $ 264.36 $ 2,157.64
22 $ 2,157.64 $ 43.15 $ 221.21 $ 264.36 $ 1,936.43
23 $ 1,936.43 $ 38.73 $ 225.63 $ 264.36 $ 1,710.80
24 $ 1,710.80 $ 34.22 $ 230.14 $ 264.36 $ 1,480.66
25 $ 1,480.66 $ 29.61 $ 234.75 $ 264.36 $ 1,245.91
26 $ 1,245.91 $ 24.92 $ 239.44 $ 264.36 $ 1,006.47
27 $ 1,006.47 $ 20.13 $ 244.23 $ 264.36 $ 762.24
28 $ 762.24 $ 15.24 $ 249.12 $ 264.36 $ 513.12
29 $ 513.12 $ 10.26 $ 254.10 $ 264.36 $ 259.02
30 $ 259.02 $ 5.18 $ 259.18 $ 264.36 $ -0.16 Ajuste de 0,16 en el ultimo pa

TOTAL $ 1,944.48 $ 5,000.16 $ 6,944.64

aga solo el interes durante 6 meses de diferimiento

juste de 0,16 en el ultimo pago

 DIFERIMIENTO SIN PAGO DE INTERESES
VA= $ 5,000.00 Pago= $264.36
n= 24 m
i= 2% m/m

Nper Saldo In Interes Amortizacion Pago Saldo Final

1 $ 5,000.00 $ 100.00 $ - $ - $ 5,100.00 Diferimiento de 6 meses y no
2 $ 5,100.00 $ 102.00 $ - $ - $ 5,202.00
3 $ 5,202.00 $ 104.04 $ - $ - $ 5,306.04
4 $ 5,306.04 $ 106.12 $ - $ - $ 5,412.16
5 $ 5,412.16 $ 108.24 $ - $ - $ 5,520.40
6 $ 5,520.40 $ 110.41 $ - $ - $ 5,630.81
7 $ 5,630.81 $ 112.62 $ 185.09 $297.71 $ 5,445.72
8 $ 5,445.72 $ 108.91 $ 188.80 $297.71 $ 5,256.92
9 $ 5,256.92 $ 105.14 $ 192.57 $297.71 $ 5,064.35
10 $ 5,064.35 $ 101.29 $ 196.42 $297.71 $ 4,867.93
11 $ 4,867.93 $ 97.36 $ 200.35 $297.71 $ 4,667.58
12 $ 4,667.58 $ 93.35 $ 204.36 $297.71 $ 4,463.22
13 $ 4,463.22 $ 89.26 $ 208.45 $297.71 $ 4,254.77
14 $ 4,254.77 $ 85.10 $ 212.61 $297.71 $ 4,042.16
15 $ 4,042.16 $ 80.84 $ 216.87 $297.71 $ 3,825.29
16 $ 3,825.29 $ 76.51 $ 221.20 $297.71 $ 3,604.09
17 $ 3,604.09 $ 72.08 $ 225.63 $297.71 $ 3,378.46
18 $ 3,378.46 $ 67.57 $ 230.14 $297.71 $ 3,148.32
19 $ 3,148.32 $ 62.97 $ 234.74 $297.71 $ 2,913.58
20 $ 2,913.58 $ 58.27 $ 239.44 $297.71 $ 2,674.14
21 $ 2,674.14 $ 53.48 $ 244.23 $297.71 $ 2,429.91
22 $ 2,429.91 $ 48.60 $ 249.11 $297.71 $ 2,180.80
23 $ 2,180.80 $ 43.62 $ 254.09 $297.71 $ 1,926.71
24 $ 1,926.71 $ 38.53 $ 259.18 $297.71 $ 1,667.53
25 $ 1,667.53 $ 33.35 $ 264.36 $297.71 $ 1,403.17
26 $ 1,403.17 $ 28.06 $ 269.65 $297.71 $ 1,133.52
27 $ 1,133.52 $ 22.67 $ 275.04 $297.71 $ 858.48
28 $ 858.48 $ 17.17 $ 280.54 $297.71 $ 577.94
29 $ 577.94 $ 11.56 $ 286.15 $297.71 $ 291.79
30 $ 291.79 $ 5.84 $ 291.87 $297.71 $ -0.08 Ajuste de 0,08 en el ultimo p

TOTAL $2,144.96 $ 5,630.89 $ 7,145.04

iferimiento de 6 meses y no paga intereses

juste de 0,08 en el ultimo pago

 VA= 50000 Pago= $12,643.21
n= 5a
i= 18% a/a
d= 2000 $/a Crece
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $50,000.00 $9,000.00 $12,643.21 $3,643.21 $46,356.79
2 $46,356.79 $8,344.22 $14,643.21 $6,298.99 $40,057.80
3 $40,057.80 $7,210.40 $16,643.21 $9,432.81 $30,624.99
4 $30,624.99 $5,512.50 $18,643.21 $13,130.71 $17,494.28
5 $17,494.28 $3,148.97 $20,643.21 $17,494.24 $0.04 Ajuste de 0,04 en el ultimo pa

TOTAL $33,216.09 $83,216.05 $49,999.96

juste de 0,04 en el ultimo pago
PRO. ARITMETICA DECRE
VA= 80000 Pago= $29,550.62
n= 5a
i= 16% a\a
d= 3000 $\a Decrece
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 80000 12800 $29,550.62 $16,750.62 $63,249.38
2 $63,249.38 10119.9 $26,550.62 $16,430.72 $46,818.66
3 $46,818.66 7490.99 $23,550.62 $16,059.63 $30,759.03
4 $30,759.03 4921.44 $20,550.62 $15,629.18 $15,129.85
5 $15,129.85 2420.78 $17,550.62 $15,129.84 $0.01 Ajuste de 0,01 en el ultim

TOTAL $37,753.11 $117,753.10 $79,999.99

juste de 0,01 en el ultimo pago
 VA= 200000 Pago= $36,693.82
n= 5a
r= 0.2 a
i= 10% a/a
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $200,000.00 $20,000.00 $36,693.82 $16,693.82 $183,306.18
2 $183,306.18 $18,330.62 $44,032.58 $25,701.96 $157,604.22
3 $157,604.22 $15,760.42 $52,839.10 $37,078.68 $120,525.54
4 $120,525.54 $12,052.55 $63,406.92 $51,354.37 $69,171.17
5 $69,171.17 $6,917.12 $76,088.30 $69,171.18 $-0.01 Ajuste de 0,01 en el ultimo

TOTAL $73,060.71 $273,060.72 $200,000.01

 200000
5.4505094659

Pag. Creciente Pago x (1+r)

juste de 0,01 en el ultimo pago

 VA= 100000 Pago= $35,533.49
n= 5a
r= 0.2 a
i= 10% a/a
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $100,000.00 $10,000.00 $35,533.49 $25,533.49 $74,466.51
2 $74,466.51 $7,446.65 $29,611.24 $22,164.59 $52,301.92
3 $52,301.92 $5,230.19 $24,676.03 $19,445.84 $32,856.08
4 $32,856.08 $3,285.61 $20,563.36 $17,277.75 $15,578.33
5 $15,578.33 $1,557.83 $17,136.13 $15,578.30 $0.03 Ajuste de 0,03 en el ultimo

TOTAL $27,520.28 $127,520.25 $99,999.97

 100000
2.8142461735

Pago. Decrece pago/(1+r)

juste de 0,03 en el ultimo pago

 Anualidad Vencida
VA= 10000 Pago= $945.60
n= 12 m
i= 2% m/m
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $ 10,000.00 $ 200.00 $ 945.60 $ 745.60 $ 9,254.40
2 $ 9,254.40 $ 185.09 $ 945.60 $ 760.51 $ 8,493.89
3 $ 8,493.89 $ 169.88 $ 945.60 $ 775.72 $ 7,718.17
4 $ 7,718.17 $ 154.36 $ 945.60 $ 791.24 $ 6,926.93
5 $ 6,926.93 $ 138.54 $ 945.60 $ 807.06 $ 6,119.87
6 $ 6,119.87 $ 122.40 $ 945.60 $ 823.20 $ 5,296.67
7 $ 5,296.67 $ 105.93 $ 945.60 $ 839.67 $ 4,457.00
8 $ 4,457.00 $ 89.14 $ 945.60 $ 856.46 $ 3,600.54
9 $ 3,600.54 $ 72.01 $ 945.60 $ 873.59 $ 2,726.95
10 $ 2,726.95 $ 54.54 $ 945.60 $ 891.06 $ 1,835.89
11 $ 1,835.89 $ 36.72 $ 945.60 $ 908.88 $ 927.01
12 $ 927.01 $ 18.54 $ 945.60 $ 927.06 $ -0.05

TOTAL $ 1,347.15 $ 11,347.20 $ 10,000.05

 Anualidad anticipada
VA= 10000 Pago Anticip = $927.05
n= 12 m
i= 2% m/m
Nper Saldo In Interes Pago Amortizacion Saldo Final
0 $10,000.00 $ - $ 927.05 $ 927.05 $ 9,072.95
1 $ 9,072.95 $ 181.46 $ 927.05 $ 745.59 $ 8,327.36
2 $ 8,327.36 $ 166.55 $ 927.05 $ 760.50 $ 7,566.86
3 $ 7,566.86 $ 151.34 $ 927.05 $ 775.71 $ 6,791.14
4 $ 6,791.14 $ 135.82 $ 927.05 $ 791.23 $ 5,999.92
5 $ 5,999.92 $ 120.00 $ 927.05 $ 807.05 $ 5,192.86
6 $ 5,192.86 $ 103.86 $ 927.05 $ 823.19 $ 4,369.67
7 $ 4,369.67 $ 87.39 $ 927.05 $ 839.66 $ 3,530.02
8 $ 3,530.02 $ 70.60 $ 927.05 $ 856.45 $ 2,673.57
9 $ 2,673.57 $ 53.47 $ 927.05 $ 873.58 $ 1,799.99
10 $ 1,799.99 $ 36.00 $ 927.05 $ 891.05 $ 908.94
11 $ 908.94 $ 18.18 $ 927.05 $ 908.87 $ 0.07
12 $ 0.07 $ 0.00 $ - $ -0.00

TOTAL $ 1,124.67 $10,197.55 $ 9,072.88

 Metodo frances consiste en pagos constantes

METODO FRANCES

VA= $ 18,000.00 P= $419.37

i= 0.15 a/a 0.01171492 m/m
n 60 m
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $ 18,000.00 $ 210.87 $ 419.37 $ 208.50 $17,791.50
2 $ 17,791.50 $ 208.43 $ 419.37 $ 210.94 $17,580.56
3 $ 17,580.56 $ 205.95 $ 419.37 $ 213.42 $17,367.14
4 $ 17,367.14 $ 203.45 $ 419.37 $ 215.92 $17,151.22
5 $ 17,151.22 $ 200.93 $ 419.37 $ 218.44 $16,932.78
6 $ 16,932.78 $ 198.37 $ 419.37 $ 221.00 $16,711.78
7 $ 16,711.78 $ 195.78 $ 419.37 $ 223.59 $16,488.19
8 $ 16,488.19 $ 193.16 $ 419.37 $ 226.21 $16,261.98
9 $ 16,261.98 $ 190.51 $ 419.37 $ 228.86 $16,033.12
10 $ 16,033.12 $ 187.83 $ 419.37 $ 231.54 $15,801.58
11 $ 15,801.58 $ 185.11 $ 419.37 $ 234.26 $15,567.32
12 $ 15,567.32 $ 182.37 $ 419.37 $ 237.00 $15,330.32
13 $ 15,330.32 $ 179.59 $ 419.37 $ 239.78 $15,090.54
14 $ 15,090.54 $ 176.78 $ 419.37 $ 242.59 $14,847.95
15 $ 14,847.95 $ 173.94 $ 419.37 $ 245.43 $14,602.52
16 $ 14,602.52 $ 171.07 $ 419.37 $ 248.30 $14,354.22
17 $ 14,354.22 $ 168.16 $ 419.37 $ 251.21 $14,103.01
18 $ 14,103.01 $ 165.22 $ 419.37 $ 254.15 $13,848.86
19 $ 13,848.86 $ 162.24 $ 419.37 $ 257.13 $13,591.73
20 $ 13,591.73 $ 159.23 $ 419.37 $ 260.14 $13,331.59
21 $ 13,331.59 $ 156.18 $ 419.37 $ 263.19 $13,068.40
22 $ 13,068.40 $ 153.10 $ 419.37 $ 266.27 $12,802.13
23 $ 12,802.13 $ 149.98 $ 419.37 $ 269.39 $12,532.74
24 $ 12,532.74 $ 146.82 $ 419.37 $ 272.55 $12,260.19
25 $ 12,260.19 $ 143.63 $ 419.37 $ 275.74 $11,984.45
26 $ 11,984.45 $ 140.40 $ 419.37 $ 278.97 $11,705.48
27 $ 11,705.48 $ 137.13 $ 419.37 $ 282.24 $11,423.24
28 $ 11,423.24 $ 133.82 $ 419.37 $ 285.55 $11,137.69
29 $ 11,137.69 $ 130.48 $ 419.37 $ 288.89 $10,848.80
30 $ 10,848.80 $ 127.09 $ 419.37 $ 292.28 $10,556.52
31 $ 10,556.52 $ 123.67 $ 419.37 $ 295.70 $10,260.82
32 $ 10,260.82 $ 120.20 $ 419.37 $ 299.17 $ 9,961.65
33 $ 9,961.65 $ 116.70 $ 419.37 $ 302.67 $ 9,658.98
34 $ 9,658.98 $ 113.15 $ 419.37 $ 306.22 $ 9,352.76
35 $ 9,352.76 $ 109.57 $ 419.37 $ 309.80 $ 9,042.96
36 $ 9,042.96 $ 105.94 $ 419.37 $ 313.43 $ 8,729.53
37 $ 8,729.53 $ 102.27 $ 419.37 $ 317.10 $ 8,412.43
38 $ 8,412.43 $ 98.55 $ 419.37 $ 320.82 $ 8,091.61
39 $ 8,091.61 $ 94.79 $ 419.37 $ 324.58 $ 7,767.03
 40 $ 7,767.03 $ 90.99 $ 419.37 $ 328.38 $ 7,438.65
41 $ 7,438.65 $ 87.14 $ 419.37 $ 332.23 $ 7,106.42
42 $ 7,106.42 $ 83.25 $ 419.37 $ 336.12 $ 6,770.30
43 $ 6,770.30 $ 79.31 $ 419.37 $ 340.06 $ 6,430.24
44 $ 6,430.24 $ 75.33 $ 419.37 $ 344.04 $ 6,086.20
45 $ 6,086.20 $ 71.30 $ 419.37 $ 348.07 $ 5,738.13
46 $ 5,738.13 $ 67.22 $ 419.37 $ 352.15 $ 5,385.98
47 $ 5,385.98 $ 63.10 $ 419.37 $ 356.27 $ 5,029.71
48 $ 5,029.71 $ 58.92 $ 419.37 $ 360.45 $ 4,669.26
49 $ 4,669.26 $ 54.70 $ 419.37 $ 364.67 $ 4,304.59
50 $ 4,304.59 $ 50.43 $ 419.37 $ 368.94 $ 3,935.65
51 $ 3,935.65 $ 46.11 $ 419.37 $ 373.26 $ 3,562.39
52 $ 3,562.39 $ 41.73 $ 419.37 $ 377.64 $ 3,184.75
53 $ 3,184.75 $ 37.31 $ 419.37 $ 382.06 $ 2,802.69
54 $ 2,802.69 $ 32.83 $ 419.37 $ 386.54 $ 2,416.15
55 $ 2,416.15 $ 28.30 $ 419.37 $ 391.07 $ 2,025.08
56 $ 2,025.08 $ 23.72 $ 419.37 $ 395.65 $ 1,629.43
57 $ 1,629.43 $ 19.09 $ 419.37 $ 400.28 $ 1,229.15
58 $ 1,229.15 $ 14.40 $ 419.37 $ 404.97 $ 824.18
59 $ 824.18 $ 9.66 $ 419.37 $ 409.71 $ 414.47
60 $ 414.47 $ 4.86 $ 419.37 $ 414.51 $ -0.04

TOTAL $ 7,162.16 $25,162.20 $ 18,000.04

 Metodo aleman todos los pagos son variables

METODO ALEMAN

VA= 18000
i= 0.15 a/a 0.01171492 m/m
n 60 m AMORTIZACION = $ 300.00
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $ 18,000.00 $ 210.87 $ 510.87 $ 300.00 $17,700.00
2 $ 17,700.00 $ 207.35 $ 507.35 $ 300.00 $17,400.00
3 $ 17,400.00 $ 203.84 $ 503.84 $ 300.00 $17,100.00
4 $ 17,100.00 $ 200.33 $ 500.33 $ 300.00 $16,800.00
5 $ 16,800.00 $ 196.81 $ 496.81 $ 300.00 $16,500.00
6 $ 16,500.00 $ 193.30 $ 493.30 $ 300.00 $16,200.00
7 $ 16,200.00 $ 189.78 $ 489.78 $ 300.00 $15,900.00
8 $ 15,900.00 $ 186.27 $ 486.27 $ 300.00 $15,600.00
9 $ 15,600.00 $ 182.75 $ 482.75 $ 300.00 $15,300.00
10 $ 15,300.00 $ 179.24 $ 479.24 $ 300.00 $15,000.00
11 $ 15,000.00 $ 175.72 $ 475.72 $ 300.00 $14,700.00
12 $ 14,700.00 $ 172.21 $ 472.21 $ 300.00 $14,400.00
13 $ 14,400.00 $ 168.69 $ 468.69 $ 300.00 $14,100.00
14 $ 14,100.00 $ 165.18 $ 465.18 $ 300.00 $13,800.00
15 $ 13,800.00 $ 161.67 $ 461.67 $ 300.00 $13,500.00
16 $ 13,500.00 $ 158.15 $ 458.15 $ 300.00 $13,200.00
17 $ 13,200.00 $ 154.64 $ 454.64 $ 300.00 $12,900.00
18 $ 12,900.00 $ 151.12 $ 451.12 $ 300.00 $12,600.00
19 $ 12,600.00 $ 147.61 $ 447.61 $ 300.00 $12,300.00
20 $ 12,300.00 $ 144.09 $ 444.09 $ 300.00 $12,000.00
21 $ 12,000.00 $ 140.58 $ 440.58 $ 300.00 $11,700.00
22 $ 11,700.00 $ 137.06 $ 437.06 $ 300.00 $11,400.00
23 $ 11,400.00 $ 133.55 $ 433.55 $ 300.00 $11,100.00
24 $ 11,100.00 $ 130.04 $ 430.04 $ 300.00 $10,800.00
25 $ 10,800.00 $ 126.52 $ 426.52 $ 300.00 $10,500.00
26 $ 10,500.00 $ 123.01 $ 423.01 $ 300.00 $10,200.00
27 $ 10,200.00 $ 119.49 $ 419.49 $ 300.00 $ 9,900.00
28 $ 9,900.00 $ 115.98 $ 415.98 $ 300.00 $ 9,600.00
29 $ 9,600.00 $ 112.46 $ 412.46 $ 300.00 $ 9,300.00
30 $ 9,300.00 $ 108.95 $ 408.95 $ 300.00 $ 9,000.00
31 $ 9,000.00 $ 105.43 $ 405.43 $ 300.00 $ 8,700.00
32 $ 8,700.00 $ 101.92 $ 401.92 $ 300.00 $ 8,400.00
33 $ 8,400.00 $ 98.41 $ 398.41 $ 300.00 $ 8,100.00
34 $ 8,100.00 $ 94.89 $ 394.89 $ 300.00 $ 7,800.00
35 $ 7,800.00 $ 91.38 $ 391.38 $ 300.00 $ 7,500.00
36 $ 7,500.00 $ 87.86 $ 387.86 $ 300.00 $ 7,200.00
37 $ 7,200.00 $ 84.35 $ 384.35 $ 300.00 $ 6,900.00
38 $ 6,900.00 $ 80.83 $ 380.83 $ 300.00 $ 6,600.00
39 $ 6,600.00 $ 77.32 $ 377.32 $ 300.00 $ 6,300.00
40 $ 6,300.00 $ 73.80 $ 373.80 $ 300.00 $ 6,000.00
41 $ 6,000.00 $ 70.29 $ 370.29 $ 300.00 $ 5,700.00
42 $ 5,700.00 $ 66.78 $ 366.78 $ 300.00 $ 5,400.00
43 $ 5,400.00 $ 63.26 $ 363.26 $ 300.00 $ 5,100.00
44 $ 5,100.00 $ 59.75 $ 359.75 $ 300.00 $ 4,800.00
45 $ 4,800.00 $ 56.23 $ 356.23 $ 300.00 $ 4,500.00
46 $ 4,500.00 $ 52.72 $ 352.72 $ 300.00 $ 4,200.00
47 $ 4,200.00 $ 49.20 $ 349.20 $ 300.00 $ 3,900.00
48 $ 3,900.00 $ 45.69 $ 345.69 $ 300.00 $ 3,600.00
49 $ 3,600.00 $ 42.17 $ 342.17 $ 300.00 $ 3,300.00
50 $ 3,300.00 $ 38.66 $ 338.66 $ 300.00 $ 3,000.00
51 $ 3,000.00 $ 35.14 $ 335.14 $ 300.00 $ 2,700.00
52 $ 2,700.00 $ 31.63 $ 331.63 $ 300.00 $ 2,400.00
53 $ 2,400.00 $ 28.12 $ 328.12 $ 300.00 $ 2,100.00
54 $ 2,100.00 $ 24.60 $ 324.60 $ 300.00 $ 1,800.00
55 $ 1,800.00 $ 21.09 $ 321.09 $ 300.00 $ 1,500.00
56 $ 1,500.00 $ 17.57 $ 317.57 $ 300.00 $ 1,200.00
57 $ 1,200.00 $ 14.06 $ 314.06 $ 300.00 $ 900.00
58 $ 900.00 $ 10.54 $ 310.54 $ 300.00 $ 600.00
59 $ 600.00 $ 7.03 $ 307.03 $ 300.00 $ 300.00
60 $ 300.00 $ 3.51 $ 303.51 $ 300.00 $ -

$ 549,000.00 $ 6,431.49 $24,431.49 $ 18,000.00

1. Desde el periodo 12 la tasa cambia al 1,5% m/m, en el periodo 16 aporte adicional al capital de 50$
2. En el periodo 20 entra en crisis, el periodo restante desea pagar en 12 cuotas

VA= 10000 Pago= $470.73

n= 24 m
i= 1% m/m
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $ 10,000.00 $ 100.00 $ 470.73 $ 370.73 $ 9,629.27
2 $ 9,629.27 $ 96.29 $ 470.73 $ 374.44 $ 9,254.83
3 $ 9,254.83 $ 92.55 $ 470.73 $ 378.18 $ 8,876.65
4 $ 8,876.65 $ 88.77 $ 470.73 $ 381.96 $ 8,494.69
5 $ 8,494.69 $ 84.95 $ 470.73 $ 385.78 $ 8,108.91
6 $ 8,108.91 $ 81.09 $ 470.73 $ 389.64 $ 7,719.27
7 $ 7,719.27 $ 77.19 $ 470.73 $ 393.54 $ 7,325.73
8 $ 7,325.73 $ 73.26 $ 470.73 $ 397.47 $ 6,928.26
9 $ 6,928.26 $ 69.28 $ 470.73 $ 401.45 $ 6,526.81
10 $ 6,526.81 $ 65.27 $ 470.73 $ 405.46 $ 6,121.35
11 $ 6,121.35 $ 61.21 $ 470.73 $ 409.52 $ 5,711.83
12 $ 5,711.83 $ 85.68 $ 486.88 $ 401.20 $ 5,310.63 Cambia la tasa de interes
13 $ 5,310.63 $ 79.66 $ 486.88 $ 407.22 $ 4,903.41
14 $ 4,903.41 $ 73.55 $ 486.88 $ 413.33 $ 4,490.08
15 $ 4,490.08 $ 67.35 $ 486.88 $ 419.53 $ 4,070.55
16 $ 4,070.55 $ 61.06 $ 536.88 $ 475.82 $ 3,594.73 Aporte al capital de
17 $ 3,594.73 $ 53.92 $ 480.20 $ 426.28 $ 3,168.45
18 $ 3,168.45 $ 47.53 $ 480.20 $ 432.67 $ 2,735.78
19 $ 2,735.78 $ 41.04 $ 480.20 $ 439.16 $ 2,296.62
20 $ 2,296.62 $ 34.45 $ 210.55 $ 176.10 $ 2,120.52 Entra en crisis y desea paga
21 $ 2,120.52 $ 31.81 $ 210.55 $ 178.74 $ 1,941.78 VA=
22 $ 1,941.78 $ 29.13 $ 210.55 $ 181.42 $ 1,760.36 n=
23 $ 1,760.36 $ 26.41 $ 210.55 $ 184.14 $ 1,576.22 i=
24 $ 1,576.22 $ 23.64 $ 210.55 $ 186.91 $ 1,389.31 Pago =
25 $ 1,389.31 $ 20.84 $ 210.55 $ 189.71 $ 1,199.60
26 $ 1,199.60 $ 17.99 $ 210.55 $ 192.56 $ 1,007.04
27 $ 1,007.04 $ 15.11 $ 210.55 $ 195.44 $ 811.60
28 $ 811.60 $ 12.17 $ 210.55 $ 198.38 $ 613.22
29 $ 613.22 $ 9.20 $ 210.55 $ 201.35 $ 411.87
30 $ 411.87 $ 6.18 $ 210.55 $ 204.37 $ 207.50
31 $ 207.50 $ 3.11 $ 210.55 $ 207.44 $ 0.06 Realizar un ajuste de 0,06

TOTAL $ 1,629.69 $11,629.63 $ 9,999.94

l capital de 50$ REALIZAR CON EL METODO ALEMAN

VA= 10000
n= 24 m
i= 1% m/m Amortizacion 416.67
Nper Saldo In Interes Pago Amortizacion Saldo Final
1 $10,000.00 $ 100.00 $ 516.67 $ 416.67 $ 9,583.33
2 $ 9,583.33 $ 95.83 $ 512.50 $ 416.67 $ 9,166.66
3 $ 9,166.66 $ 91.67 $ 508.34 $ 416.67 $ 8,749.99
4 $ 8,749.99 $ 87.50 $ 504.17 $ 416.67 $ 8,333.32
5 $ 8,333.32 $ 83.33 $ 500.00 $ 416.67 $ 7,916.65
6 $ 7,916.65 $ 79.17 $ 495.84 $ 416.67 $ 7,499.98
7 $ 7,499.98 $ 75.00 $ 491.67 $ 416.67 $ 7,083.31
8 $ 7,083.31 $ 70.83 $ 487.50 $ 416.67 $ 6,666.64
9 $ 6,666.64 $ 66.67 $ 483.34 $ 416.67 $ 6,249.97
10 $ 6,249.97 $ 62.50 $ 479.17 $ 416.67 $ 5,833.30
11 $ 5,833.30 $ 58.33 $ 475.00 $ 416.67 $ 5,416.63
ambia la tasa de interes 1.50% 12 $ 5,416.63 $ 81.25 $ 497.92 $ 416.67 $ 4,999.96
13 $ 4,999.96 $ 75.00 $ 491.67 $ 416.67 $ 4,583.29
14 $ 4,583.29 $ 68.75 $ 485.42 $ 416.67 $ 4,166.62
15 $ 4,166.62 $ 62.50 $ 479.17 $ 416.67 $ 3,749.95
porte al capital de $ 50.00 16 $ 3,749.95 $ 56.25 $ 522.92 $ 466.67 $ 3,283.28
17 $ 3,283.28 $ 49.25 $ 459.66 $ 410.41 $ 2,872.87
18 $ 2,872.87 $ 43.09 $ 453.50 $ 410.41 $ 2,462.46
19 $ 2,462.46 $ 36.94 $ 447.35 $ 410.41 $ 2,052.05
ntra en crisis y desea pagar en 12 cuota 20 $ 2,052.05 $ 30.78 $ 201.78 $ 171.00 $ 1,881.05
$2,296.62 21 $ 1,881.05 $ 28.22 $ 199.22 $ 171.00 $ 1,710.05
12 m 22 $ 1,710.05 $ 25.65 $ 196.65 $ 171.00 $ 1,539.05
1.50% m/m 23 $ 1,539.05 $ 23.09 $ 194.09 $ 171.00 $ 1,368.05
$210.55 24 $ 1,368.05 $ 20.52 $ 191.52 $ 171.00 $ 1,197.05
25 $ 1,197.05 $ 17.96 $ 188.96 $ 171.00 $ 1,026.05
26 $ 1,026.05 $ 15.39 $ 186.39 $ 171.00 $ 855.05
27 $ 855.05 $ 12.83 $ 183.83 $ 171.00 $ 684.05
28 $ 684.05 $ 10.26 $ 181.26 $ 171.00 $ 513.05
29 $ 513.05 $ 7.70 $ 178.70 $ 171.00 $ 342.05
30 $ 342.05 $ 5.13 $ 176.13 $ 171.00 $ 171.05
ealizar un ajuste de 0,06 31 $ 171.05 $ 2.57 $ 173.57 $ 171.00 $ 0.05

TOTAL $ 1,543.96 $11,543.91 $ 9,999.95

Cambia la tasa de interes 1.50%

Aporte al capital de $ 50.00

Entra en crisis y desea pagar en 12 cuotas

VA= $2,052.05
n= 12 m
i= 1.50% m/m
VF= 10000
n= 5a VA= 10000 Pago=
i= 0.08 a/a n= 5a
P= i= 8% a/a
Nper Saldo In Interes PagoIncremento del periodo
En VF el periodo debe ser anterior al q 1 $0.00 0 $1,704.56 $1,704.56
$5,533.68 2 $1,704.56 $136.36 $1,704.56 $1,840.92
3 $3,545.48 $283.64 $1,704.56 $1,988.20
4 $5,533.68 $442.69 $1,704.56 $2,147.25
5 $7,680.93 $614.47 $1,704.60 $2,319.07

$1,477.16 $8,522.84 $10,000.00

 $1,704.56

Saldo Final
$1,704.56
$3,545.48
$5,533.68
$7,680.93
$10,000.00
 VF= 10000 Pago= $55.52
n= 10 a 120 m
i= 8% a/a 0.00643403
Nper Saldo In Interes Pago
Incremento del periodo
Saldo Final
1 0 0 $55.52 $55.52 $55.52
2 $55.52 0.36 $55.52 $55.88 $111.40
3 $111.40 0.72 $55.52 $56.24 $167.64
4 $167.64 1.08 $55.52 $56.60 $224.24
5 $224.24 1.44 $55.52 $56.96 $281.20
6 $281.20 1.81 $55.52 $57.33 $338.53
7 $338.53 2.18 $55.52 $57.70 $396.23
8 $396.23 2.55 $55.52 $58.07 $454.30
9 $454.30 2.92 $55.52 $58.44 $512.74
10 $512.74 3.3 $55.52 $58.82 $571.56
11 $571.56 3.68 $55.52 $59.20 $630.76
12 $630.76 4.06 $55.52 $59.58 $690.34
13 $690.34 4.44 $55.52 $59.96 $750.30
14 $750.30 4.83 $55.52 $60.35 $810.65
15 $810.65 5.22 $55.52 $60.74 $871.39
16 $871.39 5.61 $55.52 $61.13 $932.52
17 $932.52 6 $55.52 $61.52 $994.04
18 $994.04 6.4 $55.52 $61.92 $1,055.96
19 $1,055.96 6.79 $55.52 $62.31 $1,118.27
20 $1,118.27 7.19 $55.52 $62.71 $1,180.98
21 $1,180.98 7.6 $55.52 $63.12 $1,244.10
22 $1,244.10 8 $55.52 $63.52 $1,307.62
23 $1,307.62 8.41 $55.52 $63.93 $1,371.55
24 $1,371.55 8.82 $55.52 $64.34 $1,435.89
25 $1,435.89 9.24 $55.52 $64.76 $1,500.65
26 $1,500.65 9.66 $55.52 $65.18 $1,565.83
27 $1,565.83 10.07 $55.52 $65.59 $1,631.42
28 $1,631.42 10.5 $55.52 $66.02 $1,697.44
29 $1,697.44 10.92 $55.52 $66.44 $1,763.88
30 $1,763.88 11.35 $55.52 $66.87 $1,830.75
31 $1,830.75 11.78 $55.52 $67.30 $1,898.05
32 $1,898.05 12.21 $55.52 $67.73 $1,965.78
33 $1,965.78 12.65 $55.52 $68.17 $2,033.95
34 $2,033.95 13.09 $55.52 $68.61 $2,102.56
35 $2,102.56 13.53 $55.52 $69.05 $2,171.61
36 $2,171.61 13.97 $55.52 $69.49 $2,241.10
37 $2,241.10 14.42 $55.52 $69.94 $2,311.04
38 $2,311.04 14.87 $55.52 $70.39 $2,381.43
39 $2,381.43 15.32 $55.52 $70.84 $2,452.27
40 $2,452.27 15.78 $55.52 $71.30 $2,523.57
41 $2,523.57 16.24 $55.52 $71.76 $2,595.33
42 $2,595.33 16.7 $55.52 $72.22 $2,667.55
43 $2,667.55 17.16 $55.52 $72.68 $2,740.23
44 $2,740.23 17.63 $55.52 $73.15 $2,813.38
45 $2,813.38 18.1 $55.52 $73.62 $2,887.00
46 $2,887.00 18.58 $55.52 $74.10 $2,961.10
47 $2,961.10 19.05 $55.52 $74.57 $3,035.67
48 $3,035.67 19.53 $55.52 $75.05 $3,110.72
49 $3,110.72 20.01 $55.52 $75.53 $3,186.25
50 $3,186.25 20.5 $155.52 $176.02 $3,362.27 Supongamos que en ele mes 50 h
51 $3,362.27 21.63 $53.74 $75.37 $3,437.64
52 $3,437.64 22.12 $53.74 $75.86 $3,513.50
53 $3,513.50 22.61 $53.74 $76.35 $3,589.85
54 $3,589.85 23.1 $53.74 $76.84 $3,666.69
55 $3,666.69 23.59 $53.74 $77.33 $3,744.02
56 $3,744.02 24.09 $53.74 $77.83 $3,821.85
57 $3,821.85 24.59 $53.74 $78.33 $3,900.18
58 $3,900.18 25.09 $53.74 $78.83 $3,979.01
59 $3,979.01 25.6 $53.74 $79.34 $4,058.35
60 $4,058.35 26.11 $53.74 $79.85 $4,138.20
61 $4,138.20 26.63 $53.74 $80.37 $4,218.57
62 $4,218.57 27.14 $53.74 $80.88 $4,299.45
63 $4,299.45 27.66 $53.74 $81.40 $4,380.85
64 $4,380.85 28.19 $53.74 $81.93 $4,462.78
65 $4,462.78 28.71 $53.74 $82.45 $4,545.23
66 $4,545.23 29.24 $53.74 $82.98 $4,628.21
67 $4,628.21 29.78 $53.74 $83.52 $4,711.73
68 $4,711.73 30.32 $53.74 $84.06 $4,795.79
69 $4,795.79 30.86 $53.74 $84.60 $4,880.39
70 $4,880.39 31.4 $53.74 $85.14 $4,965.53
71 $4,965.53 31.95 $53.74 $85.69 $5,051.22
72 $5,051.22 32.5 $53.74 $86.24 $5,137.46
73 $5,137.46 33.05 $53.74 $86.79 $5,224.25
74 $5,224.25 33.61 $53.74 $87.35 $5,311.60
75 $5,311.60 34.17 $53.74 $87.91 $5,399.51
76 $5,399.51 34.74 $53.74 $88.48 $5,487.99
77 $5,487.99 35.31 $53.74 $89.05 $5,577.04
78 $5,577.04 35.88 $53.74 $89.62 $5,666.66
79 $5,666.66 36.46 $53.74 $90.20 $5,756.86
80 $5,756.86 28.02 $65.74 $93.76 $5,850.62 Noa cambia de interes
81 $5,850.62 28.48 $65.74 $94.22 $5,944.84
82 $5,944.84 28.94 $65.74 $94.68 $6,039.52
83 $6,039.52 29.4 $65.74 $95.14 $6,134.66
84 $6,134.66 29.86 $65.74 $95.60 $6,230.26
85 $6,230.26 30.33 $65.74 $96.07 $6,326.33
86 $6,326.33 30.79 $65.74 $96.53 $6,422.86
87 $6,422.86 31.26 $65.74 $97.00 $6,519.86
88 $6,519.86 31.74 $65.74 $97.48 $6,617.34
89 $6,617.34 32.21 $65.74 $97.95 $6,715.29
90 $6,715.29 32.69 $65.74 $98.43 $6,813.72
 91 $6,813.72 33.17 $65.74 $98.91 $6,912.63
92 $6,912.63 33.65 $65.74 $99.39 $7,012.02
93 $7,012.02 34.13 $65.74 $99.87 $7,111.89
94 $7,111.89 34.62 $65.74 $100.36 $7,212.25
95 $7,212.25 35.11 $65.74 $100.85 $7,313.10
96 $7,313.10 35.6 $65.74 $101.34 $7,414.44
97 $7,414.44 36.09 $65.74 $101.83 $7,516.27
98 $7,516.27 36.59 $65.74 $102.33 $7,618.60
99 $7,618.60 37.08 $65.74 $102.82 $7,721.42
100 $7,721.42 37.58 $65.74 $103.32 $7,824.74
101 $7,824.74 38.09 $65.74 $103.83 $7,928.57
102 $7,928.57 38.59 $65.74 $104.33 $8,032.90
103 $8,032.90 39.1 $65.74 $104.84 $8,137.74
104 $8,137.74 39.61 $65.74 $105.35 $8,243.09
105 $8,243.09 40.12 $65.74 $105.86 $8,348.95
106 $8,348.95 40.64 $65.74 $106.38 $8,455.33
107 $8,455.33 41.16 $65.74 $106.90 $8,562.23
108 $8,562.23 41.68 $65.74 $107.42 $8,669.65
109 $8,669.65 127.22 $309.79 $437.01 $9,106.66
110 $9,106.66 133.63 $309.79 $443.42 $9,550.08
111 $9,550.08 140.14 $309.79 $449.93 $10,000.01

2729.72 7270.29 10000.01

Pago 100
$7,653.06
upongamos que en ele mes 50 hago un aporte de 100

$5,267.50 $53.74
$4,732.50 Me sirve para calcular el nuevo pago

VF1= $3,186.24
VF2= $3,862.22
VF3= $187.31
VF4= $1,707.32

$8,943.09

oa cambia de interes 0.06 a/a 0.004867551

$7,025.02
$2,974.98

$65.74
quiero hacer en 3 pagos trimestales 0.01467385 t/t

VF= $9,056.93
VF= $943.07

Pago= $309.79