Ejercicio 3

Pago periodicos uniformes

Prstamo
8000
Nper
5
Tasa
2%
Cuota
1,697.27
a) periodo de gracia (empezamos a pagar a partir de la segunda cuota)
Perodo
Nro Cuota
Saldo Inicial Inters
Amortizacin Cuota
Saldo Final
1
0
8,000.00
160.00
160.00
8,000.00
2
1
8,000.00
160.00
1,537.27
1,697.27
6,462.73
3
2
6,462.73
129.25
1,568.01
1,697.27
4,894.72
4
3
4,894.72
97.89
1,599.37
1,697.27
3,295.35
5
4
3,295.35
65.91
1,631.36
1,697.27
1,663.99
6
5
1,663.99
33.28
1,663.99
1,697.27
-0.00
Total
646.34
8,000.00
8,646.34
b) pago a cuenta para pagar montos menores en el futuro, en la 2da cuota un pago adicional de $ 1000
Perodo
Nro Cuota
Saldo Inicial Inters
Amortizacin Cuota
Saldo Final
1
1
8,000.00
160.00
1,537.27
1,697.27
6,462.73
2
2
6,462.73
129.25
2,568.01
2,697.27
3,894.72
3
3
3,894.72
77.89
1,272.62
1,350.51
2,622.10
4
4
2,622.10
52.44
1,298.07
1,350.51
1,324.03
5
5
1,324.03
26.48
1,324.03
1,350.51
Total
446.07
8,000.00
8,446.07
c) no pago oportuno de dos cuotas
Perodo
Nro Cuota
Saldo Inicial Inters
Amortizacin Cuota
Saldo Final
1
1
8,000.00
160.00
1,537.27
1,697.27
6,462.73
2
2
6,462.73
129.25
6,591.99
3
3
6,591.99
131.84
6,723.83
4
4
6,723.83
134.48
3,328.63
3,463.10
3,395.20
5
5
3,395.20
67.90
3,395.20
3,463.10
Total
623.47
8,261.09
8,623.47

nal de $ 1000