SISTEMAS DE AMORTIZACION

SISTEMAS DE AMORTIZACION

AMORTIZACION FIJA
PAGOS CONSTANTES
CUOTAS DOBLES
PERIODOS DE GRACIA
METODO AMERICANO
CUOTAS CRECIENTES
CREDITO COMERCIAL

DE AMORTIZACION

SISTEMAS DE AMORTIZACIN DE DEUDAS

Sistema de Amortizacion Fija
Prestamo Bancario
TEA
Plazo en Meses
Amortiz. Fija
Meses

0
1
2
3
4
5
6

Deuda

35,000.00
35,000.00
29,166.67
23,333.33
17,500.00
11,666.67
5,833.33

35,000.00
18.00% TEM
6
5,833.33
Interes

486.10
405.08
324.06
243.05
162.03
81.02

1.3888%
=$C$5/$C$7

Amortiz.

5,833.33
5,833.33
5,833.33
5,833.33
5,833.33
5,833.33

Pago Mensual

6,319.43
6,238.41
6,157.40
6,076.38
5,995.37
5,914.35

Saldo

35,000.00
29,166.67
23,333.33
17,500.00
11,666.67
5,833.33
0.00

SISTEMAS DE AMORTIZACIN DE DEUDAS

Sistema de pagos constantes
Credito
TES
Plazo en Meses
TCO

35,000.00
12.00% TEM
10
3%

Cuota Fija Mensual

Meses

0
1
2
3
4
5
6
7
8
9
10

Deuda

1.9068%

3,877.44
Interes

=PAGO(D6,C7,-C5)
Amortiz.

Cuota Fija

35,000.00
35,000.00
31,789.92
28,518.64
25,184.97
21,787.75
18,325.74
14,797.72
11,202.44
7,538.60
3,804.89

667.37
606.16
543.78
480.22
415.44
349.43
282.16
213.60
143.74
72.55

3,210.08
3,271.29
3,333.66
3,397.23
3,462.00
3,528.02
3,595.29
3,663.84
3,733.70
3,804.89

3,877.44
3,877.44
3,877.44
3,877.44
3,877.44
3,877.44
3,877.44
3,877.44
3,877.44
3,877.44

Saldo

Verif.

35,000.00
31,789.92
28,518.64
25,184.97
21,787.75
18,325.74
14,797.72
11,202.44
7,538.60
3,804.89
0.00

35000
-3,877.44
-3,877.44
-3,877.44
-3,877.44
-3,877.44
-3,877.44
-3,877.44
-3,877.44
-3,877.44
-3,877.44

TCC

1.9068%

VPN

1,924.61

Cronograma de Pagos con Cuotas Dobles

Prestamo
TEA
Plazo en Meses
Numero de Cuotas
Cuota Fija
Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12

Deuda
35,000.00
35,000.00
32,299.47
29,598.94
26,898.42
24,197.89
21,497.36
18,796.83
16,096.30
13,395.78
10,695.25
7,994.72
5,294.19

35,000.00
18%
12
14
S/. 3,186.62
Interes
486.10
486.10
486.10
486.10
486.10
486.10
486.10
486.10
486.10
486.10
486.10
486.10

TEM

1.3888%

Cuota Resultado (con Buscar Objetivo)

Amortiz

Pago

S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53
S/. 2,700.53

S/. 3,186.62
S/. 3,186.62
S/. 3,186.62
S/. 3,186.62
S/. 3,186.62
S/. 6,373.25
S/. 3,186.62
S/. 3,186.62
S/. 3,186.62
S/. 3,186.62
S/. 3,186.62
S/. 6,373.25

Saldo
35,000.00
32,299.47
29,598.94
26,898.42
24,197.89
21,497.36
18,796.83
16,096.30
13,395.78
10,695.25
7,994.72
5,294.19
2,593.66

# de Cuotas
1
1
1
1
1
2
1
1
1
1
1
2
14

SISTEMAS DE AMORTIZACIN DE DEUDAS

Con Periodos de Gracia
Sistema de Pagos Constantes con perodos de gracia
Prestamo Bancario
Tasa Efectiva Trimestral
Plazo en Meses
Periodos de gracia
Periodo de pagos efectivos
Cuota Fija Mensual

35,000.00 Nuevo Capital --->

40,824.00
8.00%
TEM
2.5986%
18
TCO
6%
6
No se paga interes, se capitalizan
12
4,003.60
FECHA
8/6/2012
Vencimiento

Meses

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

Deuda

35,000.00
35,000.00
35,909.49
36,842.62
37,800.00
38,782.25
39,790.03
40,824.00
37,881.23
34,862.00
31,764.31
28,586.12
25,325.34
21,979.83
18,547.39
15,025.75
11,412.61
7,705.57
3,902.20

Interes

909.49
933.13
957.38
982.25
1,007.78
1,033.97
1,060.83
984.37
905.91
825.41
742.83
658.09
571.16
481.96
390.45
296.56
200.23
101.40
13,043.22

Amortiz.

2,942.77
3,019.24
3,097.69
3,178.19
3,260.77
3,345.51
3,432.44
3,521.64
3,613.15
3,707.04
3,803.37
3,902.20
40,824.00

Cuota Fija

4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
4,003.60
48,043.22

Saldo

35,000.00
35,909.49
36,842.62
37,800.00
38,782.25
39,790.03
40,824.00
37,881.23
34,862.00
31,764.31
28,586.12
25,325.34
21,979.83
18,547.39
15,025.75
11,412.61
7,705.57
3,902.20
0.00

Vto.

30/09/2012
31/10/2012
30/11/2012
31/12/2012
31/01/2013
28/02/2013
31/03/2013
30/04/2013
31/05/2013
30/06/2013
31/07/2013
31/08/2013
30/09/2013
31/10/2013
30/11/2013
31/12/2013
31/01/2014
28/02/2014

Dia

domingo
martes
viernes
domingo
mircoles
sbado
lunes
jueves
sbado
martes
viernes
viernes

Verificar

35,000.00
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60
-4,003.60

TCC

VPN

5.2448%

1,434.43

SISTEMAS DE AMORTIZACIN DE DEUDAS

Sistema o Metodo Americano
Prestamo Bancario
Tasa Mensual
Plazo en Meses
Meses

0
1
2
3
4
5
6
7
8
9
10

Deuda

35,000.00
35,000.00
35,000.00
35,000.00
35,000.00
35,000.00
35,000.00
35,000.00
35,000.00
35,000.00
35,000.00

35,000.00
2.20%
10
Interes

770.00
770.00
770.00
770.00
770.00
770.00
770.00
770.00
770.00
770.00
7,700.00

FECHA

Amortiz.

35,000.00
35,000.00

Pago Mensual

770.00
770.00
770.00
770.00
770.00
770.00
770.00
770.00
770.00
35,770.00
42,700.00

8/6/2012

Vto.

5-Sep-12
5-Oct-12
4-Nov-12
4-Dec-12
3-Jan-13
2-Feb-13
4-Mar-13
3-Apr-13
3-May-13
2-Jun-13

Verif- Tasa
35,000.00
-770.00
-770.00
-770.00
-770.00
-770.00
-770.00
-770.00
-770.00
-770.00
-35,770.00

TCC
2.20%

SISTEMAS DE AMORTIZACIN DE DEUDAS

A Cuotas Crecientes

Prestamo Bancario
Tasa Efectiva Semestral
Plazo en Meses
Fecha
proporcion de
Meses
Pro de Amort
0
1
0.02778
2
0.05714
3
0.09091
4
0.13333
5
0.19231
6
0.28571
7
0.46667
8
1.00000

35,000.00
12.00% TEM
8
8/6/2012
Deuda

35,000.00
35,000.00
34,027.78
32,083.33
29,166.67
25,277.78
20,416.67
14,583.33
7,777.78

1.91%

Interes

667.37
648.83
611.75
556.14
481.99
389.30
278.07
148.30

Amortiz.

972.22
1,944.44
2,916.67
3,888.89
4,861.11
5,833.33
6,805.56
7,777.78

Pago Men

1,639.59
2,593.27
3,528.42
4,445.03
5,343.10
6,222.63
7,083.63
7,926.08

Saldo

35,000.00
34,027.78
32,083.33
29,166.67
25,277.78
20,416.67
14,583.33
7,777.78
0.00

Vto.

Da de semana

Verif. Tasa
35,000.00
-1,639.59
-2,593.27
-3,528.42
-4,445.03
-5,343.10
-6,222.63
-7,083.63
-7,926.08

TCC
1.91%

SISTEMAS DE AMORTIZACIN DE DEUDAS

Sistema de deuda comercial
Un Credito Comercial por
Tasa Mensual
Plazo en Meses
Amortiz. Fija
Cuota Fija Comercial

35,000.00
2.50%
8
4,375.00
5250

Fecha
Portes
Seguro
Mantemiento

8/6/2012
15
0.25%
5
=(C5*(1+C6*C7))/C7

Meses

Deuda

Interes

Amortiz.

Cuota Fija

Saldo

Portes

0
1
2
3
4
5
6
7
8

35,000.00
35,000.00
30,625.00
26,250.00
21,875.00
17,500.00
13,125.00
8,750.00
4,375.00

875.00
765.63
656.25
546.88
437.50
328.13
218.75
109.38

4,375.00
4,375.00
4,375.00
4,375.00
4,375.00
4,375.00
4,375.00
4,375.00

5,250.00
5,250.00
5,250.00
5,250.00
5,250.00
5,250.00
5,250.00
5,250.00

35,000.00
30,625.00
26,250.00
21,875.00
17,500.00
13,125.00
8,750.00
4,375.00
0.00

15.00
15.00
15.00
15.00
15.00
15.00
15.00
15.00

4.24
Seguro

Mantenim

Pagos fijos

Vct.

Da de Semana

87.50
76.56
65.63
54.69
43.75
32.81
21.88
10.94

5.00
5.00
5.00
5.00
5.00
5.00
5.00
5.00

35,000.00
5,357.50
5,346.56
5,335.63
5,324.69
5,313.75
5,302.81
5,291.88
5,280.94

Verif. Tasa
35,000.00

9/30/2012
10/31/2012
11/30/2012
12/31/2012
1/31/2013
2/28/2013
3/31/2013
4/30/2013

domingo
mircoles
viernes
lunes
jueves
jueves
domingo
martes

-5,250.00
-5,250.00
-5,250.00
-5,250.00
-5,250.00
-5,250.00
-5,250.00
-5,250.00

TCC
4.24%

TCC anual