Ejercicios de

Amortizacin
Natal Morn Correa

Matemtica Financiera
Abigail Gamarra Pizarro
3 ciclo
Turno tarde
13/07/2012

1.- El banco de la ciudad ofrece crditos para el sector agropecuario, destinados a atender todas
las necesidades de financiacin de los productores, especialmente de las pequeas y medianas
empresas. Un productor de la provincia de Caman(Arequipa ) se acerca al Banco a fin de solicitar
un prstamo para la compra de insumos y semillas , el Bco. Le ofrece su lnea de crditos,
otorgndoles $10 000.que deber ser abonado en 4 cuotas semestrales vencidas a la tasa de
inters de 0.15 nominal anual con capitalizacin semestral Calcule, (utilizando las formulas
correspondientes a la amortizacin francs y pega las formulas empleadas y sus clculos en esta
hoja de clculo)

a)El importe de la cuota semestral.

b) los intereses abonados al final del primer semestre.
c) la amortizacin contenida en la segunda cuota.
d) el saldo antes de abonar la tercera cuota.
e) El cuadro de amortizacin.
CUADRO DE AMORTIZACION

DATOS
PRESTAMO
TES
PLAZO TES (dias)
N DE CUOTAS
FECHA DE INICIO
CUOTA

10,000.00
0.3225
180 dias
4
1er semestre

K
0
1
2
3
4

CUOTA

CUOTA
INTERES

5,681.09
5,681.09
5,681.09
5,681.09

5,681.09

Teniendo en cuenta:

((+))

(1+) 1

Entonces:
CUOTA = PRESTAMO X FRC
CUOTA = 5,681.09

3,225.00
2,432.91
1,385.37
0.00

CUOTA
PRINCIPAL
2,456.09
3,248.18
4,295.72
5,681.09

SALDO
10,000.00
7,543.91
4,295.73
0.01
-5,681.07

2.- Preparar una tabla de rembolso para un prstamo de S/. 10,000.00 rembolsable con 4 cuotas
uniformes trimestrales a una TET del 5%, Considerar un periodo de gracia sin pago de intereses.
a) clculo de la cuota uniforme

=((+)^())/((+)
^())

DATOS
TASA DE
INTERES
5%

CUOTA = PRESTAMO X
FCR
CUOTA = 3672.09

(f)*i

(c ) - (d)

(f)-(e)

(e)

(f)

(g)

(h)

AMORTIZACI

DEUDA

DEUDA

INTERES

ON

RESIDUAL

EXTINGUIDA

CAPITALIZABLE

(a)

(b)

(d)

dias

CUOTA

INTERES

10,000.00

PRESTAMO

30

$3,672.09

3,672.09

6,327.91

3,672.09

10000

30

$3,672.09

316.3955

3,355.69

2,972.22

7,027.78

316.3955

30

$3,672.09

148.6108

3,523.48

-551.26

10,551.26

465.0063

30

$3,672.09

-27.5632

3,699.65

-4,250.92

14,250.92

437.4431

3.- Ud. desea comprar una casa de un valor de $80,000.00 con un crdito hipotecario. La
institucin que lo financia le aplica una tasa de inters efectiva anual en dlares de 12%. El
prstamo ser pagado en 15 aos en cuotas mensuales vencidas y con un sistema de pago de
prstamo de amortizacin constante. No se considera cuota inicial. La primera cuota es dentro de
un mes. Cul es el valor del inters, que forma parte de la cuota mensual, en cada uno de los
siguientes meses?: (5 puntos)
(1) 20; (2) 21;

DATOS

(3) 22;

(4) 23

(5) 24;

(6)165

(7) 166 (8) 167

PRESTAMO
TASA ANUAL

80,000.00
12.00%

TASA MENSUAL
CUOTA

0.95%
444,44

CALCULO TASA
0.00949

Nro DE
PERIODOS
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37

CUOTA
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44

INTERES
0.00
759.2
762.19
765.20
768.25
771.32
774.42
777.55
780.71
783.91
787.13
790.38
793.66
796.98
800.32
803.70
807.11
810.55
814.02
817.53
821.07
824.65
828.26
831.90
835.57
839.29
843.03
846.82
850.63
854.49
858.38
862.31
866.27
870.28
874.32
878.40
882.52
886.67

AMORTIZACION DEUDA RESIDUAL

0.00
80,000.00
-314.76
-317.75
-320.76
-323.81
-326.88
-329.98
-333.11
-336.27
-339.47
-342.69
-345.94
-349.22
-352.54
-355.88
-359.26
-362.67
-366.11
-369.58
-373.09
-376.63
-380.21
-383.82
-387.46
-391.13
-394.85
-398.59
-402.38
-406.19
-410.05
-413.94
-417.87
-421.83
-425.84
-429.88
-433.96
-438.08
-442.23

80,314.76
80,632.51
80,953.27
81,277.08
81,603.96
81,933.94
82,267.05
82,603.32
82,942.79
83,285.48
83,631.42
83,980.64
84,333.17
84,689.06
85,048.32
85,410.98
85,777.09
86,146.68
86,519.77
86,896.40
87,276.61
87,660.43
88,047.88
88,439.02
88,833.86
89,232.46
89,634.83
90,041.03
90,451.08
90,865.02
91,282.89
91,704.72
92,130.56
92,560.44
92,994.40
93,432.47
93,874.71

DEUDA
EXTINGUIDA
0.00
-314.76
-632.51
-953.27
-1277.08
-1603.96
-1933.94
-2267.05
-2603.32
-2942.79
-3285.48
-3631.42
-3980.64
-4333.17
-4689.06
-5048.32
-5410.98
-5777.09
-6146.68
-6519.77
-6896.40
-7276.61
-7660.43
-8047.88
-8439.02
-8833.86
-9232.46
-9634.83
-10041.03
-10451.08
-10865.02
-11282.89
-11704.72
-12130.56
-12560.44
-12994.40
-13432.47
-13874.71

38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77

444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44

890.87
895.11
899.38
903.70
908.06
912.46
916.90
921.39
925.91
930.48
935.09
939.75
944.45
949.19
953.99
958.82
963.70
968.63
973.60
978.63
983.70
988.81
993.98
999.19
1004.46
1009.77
1015.14
1020.55
1026.02
1031.54
1037.11
1042.74
1048.42
1054.15
1059.93
1065.77
1071.67
1077.62
1083.63
1089.70

-446.43
-450.67
-454.94
-459.26
-463.62
-468.02
-472.46
-476.95
-481.47
-486.04
-490.65
-495.31
-500.01
-504.75
-509.55
-514.38
-519.26
-524.19
-529.16
-534.19
-539.26
-544.37
-549.54
-554.75
-560.02
-565.33
-570.70
-576.11
-581.58
-587.10
-592.67
-598.30
-603.98
-609.71
-615.49
-621.33
-627.23
-633.18
-639.19
-645.26

94,321.14
94,771.81
95,226.75
95,686.01
96,149.63
96,617.65
97,090.11
97,567.06
98,048.53
98,534.57
99,025.22
99,520.53
100,020.54
100,525.30
101,034.84
101,549.22
102,068.49
102,592.68
103,121.84
103,656.03
104,195.28
104,739.66
105,289.20
105,843.95
106,403.97
106,969.30
107,540.00
108,116.12
108,697.70
109,284.80
109,877.47
110,475.77
111,079.74
111,689.45
112,304.94
112,926.28
113,553.51
114,186.69
114,825.88
115,471.14

-14321.14
-14771.81
-15226.75
-15686.01
-16149.63
-16617.65
-17090.11
-17567.06
-18048.53
-18534.57
-19025.22
-19520.53
-20020.54
-20525.30
-21034.84
-21549.22
-22068.49
-22592.68
-23121.84
-23656.03
-24195.28
-24739.66
-25289.20
-25843.95
-26403.97
-26969.30
-27540.00
-28116.12
-28697.70
-29284.80
-29877.47
-30475.77
-31079.74
-31689.45
-32304.94
-32926.28
-33553.51
-34186.69
-34825.88
-35471.14

78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117

444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44

1095.82
1102.00
1108.24
1114.54
1120.90
1127.32
1133.80
1140.34
1146.95
1153.61
1160.34
1167.14
1174.00
1180.92
1187.91
1194.97
1202.09
1209.28
1216.54
1223.86
1231.26
1238.73
1246.27
1253.87
1261.56
1269.31
1277.14
1285.04
1293.02
1301.07
1309.20
1317.41
1325.69
1334.05
1342.50
1351.02
1359.62
1368.31
1377.08
1385.93

-651.38
-657.56
-663.80
-670.10
-676.46
-682.88
-689.36
-695.90
-702.51
-709.17
-715.90
-722.70
-729.56
-736.48
-743.47
-750.53
-757.65
-764.84
-772.10
-779.42
-786.82
-794.29
-801.83
-809.43
-817.12
-824.87
-832.70
-840.60
-848.58
-856.63
-864.76
-872.97
-881.25
-889.61
-898.06
-906.58
-915.18
-923.87
-932.64
-941.49

116,122.52
116,780.08
117,443.89
118,113.99
118,790.45
119,473.33
120,162.69
120,858.60
121,561.11
122,270.28
122,986.19
123,708.89
124,438.44
125,174.92
125,918.39
126,668.92
127,426.57
128,191.41
128,963.50
129,742.93
130,529.75
131,324.03
132,125.86
132,935.29
133,752.41
134,577.28
135,409.98
136,250.58
137,099.16
137,955.79
138,820.55
139,693.51
140,574.77
141,464.38
142,362.44
143,269.02
144,184.20
145,108.07
146,040.70
146,982.19

-36122.52
-36780.08
-37443.89
-38113.99
-38790.45
-39473.33
-40162.69
-40858.60
-41561.11
-42270.28
-42986.19
-43708.89
-44438.44
-45174.92
-45918.39
-46668.92
-47426.57
-48191.41
-48963.50
-49742.93
-50529.75
-51324.03
-52125.86
-52935.29
-53752.41
-54577.28
-55409.98
-56250.58
-57099.16
-57955.79
-58820.55
-59693.51
-60574.77
-61464.38
-62362.44
-63269.02
-64184.20
-65108.07
-66040.70
-66982.19

118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157

444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44

1394.86
1403.88
1412.99
1422.18
1431.46
1440.82
1450.28
1459.82
1469.46
1479.19
1489.01
1498.92
1508.93
1519.03
1529.23
1539.52
1549.91
1560.40
1570.99
1581.69
1592.48
1603.37
1614.37
1625.47
1636.68
1648.00
1659.42
1670.95
1682.59
1694.34
1706.20
1718.17
1730.26
1742.46
1754.78
1767.22
1779.77
1792.44
1805.24
1818.15

-950.42
-959.44
-968.55
-977.74
-987.02
-996.38
-1005.84
-1015.38
-1025.02
-1034.75
-1044.57
-1054.48
-1064.49
-1074.59
-1084.79
-1095.08
-1105.47
-1115.96
-1126.55
-1137.25
-1148.04
-1158.93
-1169.93
-1181.03
-1192.24
-1203.56
-1214.98
-1226.51
-1238.15
-1249.90
-1261.76
-1273.73
-1285.82
-1298.02
-1310.34
-1322.78
-1335.33
-1348.00
-1360.80
-1373.71

147,932.61
148,892.05
149,860.60
150,838.33
151,825.35
152,821.73
153,827.57
154,842.95
155,867.97
156,902.72
157,947.29
159,001.77
160,066.25
161,140.84
162,225.63
163,320.71
164,426.18
165,542.15
166,668.70
167,805.95
168,953.99
170,112.92
171,282.85
172,463.89
173,656.13
174,859.69
176,074.66
177,301.17
178,539.32
179,789.22
181,050.98
182,324.71
183,610.53
184,908.56
186,218.90
187,541.68
188,877.01
190,225.01
191,585.81
192,959.52

-67932.61
-68892.05
-69860.60
-70838.33
-71825.35
-72821.73
-73827.57
-74842.95
-75867.97
-76902.72
-77947.29
-79001.77
-80066.25
-81140.84
-82225.63
-83320.71
-84426.18
-85542.15
-86668.70
-87805.95
-88953.99
-90112.92
-91282.85
-92463.89
-93656.13
-94859.69
-96074.66
-97301.17
-98539.32
-99789.22
-101050.98
-102324.71
-103610.53
-104908.56
-106218.90
-107541.68
-108877.01
-110225.01
-111585.81
-112959.52

158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180

444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44
444.44

1831.19
1844.35
1857.63
1871.04
1884.58
1898.25
1912.04
1925.97
1940.03
1954.22
1968.55
1983.02
1997.62
2012.36
2027.24
2042.26
2057.42
2072.73
2088.18
2103.78
2119.53
2135.42
2151.47

-1386.75
-1399.91
-1413.19
-1426.60
-1440.14
-1453.81
-1467.60
-1481.53
-1495.59
-1509.78
-1524.11
-1538.58
-1553.18
-1567.92
-1582.80
-1597.82
-1612.98
-1628.29
-1643.74
-1659.34
-1675.09
-1690.98
-1707.03

194,346.26
195,746.17
197,159.36
198,585.96
200,026.10
201,479.91
202,947.51
204,429.05
205,924.64
207,434.42
208,958.54
210,497.11
212,050.29
213,618.21
215,201.00
216,798.82
218,411.80
220,040.09
221,683.83
223,343.17
225,018.26
226,709.24
228,416.27

-114346.26
-115746.17
-117159.36
-118585.96
-120026.10
-121479.91
-122947.51
-124429.05
-125924.64
-127434.42
-128958.54
-130497.11
-132050.29
-133618.21
-135201.00
-136798.82
-138411.80
-140040.09
-141683.83
-143343.17
-145018.26
-146709.24
-148416.27

4.- Una empresa solicita un prstamo de un valor de S/. 50,000.00 el que ser desembolsado el da
de hoy. El prstamo ser pagado en 5 aos en cuotas constantes mensuales vencidas. La
institucin financiera que le brindar el prstamo le cobra una TEM del 5%. Estimar la tabla de
amortizacin respectiva, indicando la fecha de cada pago si el desembolso se efecta hoy 15 de
Junio del 2004.

DATOS

PRESTAMO
TASA DE
INTERES

50000
0.05

FECHA

DIAS

CUOTA

INTERES

AMORTIZACION

DEUDA
RESIDUAL

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

15/06/2004
15/07/2004
15/08/2004
15/09/2004
15/10/2004
15/11/2004
15/12/2004
15/01/2005
15/02/2005
15/03/2005
15/04/2005
15/05/2005
15/06/2005
15/07/2005
15/08/2005
15/09/2005
15/10/2005
15/11/2005
15/12/2005
15/01/2006
15/02/2006
15/03/2006
15/04/2006
15/05/2006
15/06/2006
15/07/2006
15/08/2006

30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30
30

2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41

0.00
2500
2492.9295
2485.50548
2477.71025
2469.52526
2460.93102
2451.90708
2442.43193
2432.48303
2422.03668
2411.06801
2399.55091
2387.45796
2374.76035
2361.42787
2347.42877
2332.7297
2317.29569
2301.08997
2284.07397
2266.20717
2247.44703
2227.74888
2207.06583
2185.34862
2162.54555

0.00
141.41
148.4805
155.904525
163.6997513
171.8847388
180.4789758
189.5029245
198.9780708
208.9269743
219.373323
230.3419892
241.8590886
253.9520431
266.6496452
279.9821275
293.9812339
308.6802955
324.1143103
340.3200258
357.3360271
375.2028285
393.9629699
413.6611184
434.3441743
456.061383
478.8644522

50,000.00
49,858.59
49,710.11
49,554.20
49,390.51
49,218.62
49,038.14
48,848.64
48,649.66
48,440.73
48,221.36
47,991.02
47,749.16
47,495.21
47,228.56
46,948.58
46,654.59
46,345.91
46,021.80
45,681.48
45,324.14
44,948.94
44,554.98
44,141.32
43,706.97
43,250.91
42,772.05

DEUDA
EXTINGUIDA
0.00
141.41
289.8905
445.795025
609.4947762
781.3795151
961.8584908
1151.361415
1350.339486
1559.26646
1778.639783
2008.981773
2250.840861
2504.792904
2771.44255
3051.424677
3345.405911
3654.086206
3978.200517
4318.520543
4675.85657
5051.059398
5445.022368
5858.683486
6293.027661
6749.089044
7227.953496

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60

15/09/2006
15/10/2006
15/11/2006
15/12/2006
15/01/2007
15/02/2007
15/03/2007
15/04/2007
15/05/2007
15/06/2007
15/07/2007
15/08/2007
15/09/2007
15/10/2007
15/11/2007
15/12/2007
15/01/2008
15/02/2008
15/03/2008
15/04/2008
15/05/2008
15/06/2008
15/07/2008
15/08/2008
15/09/2008
15/10/2008
15/11/2008
15/12/2008
15/01/2009
15/02/2009
15/03/2009
15/04/2009
15/05/2009
15/06/2009

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30
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2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41
2641.41

2138.60233
2113.46194
2087.06454
2059.34727
2030.24413
1999.68584
1967.59963
1933.90911
1898.53406
1861.39027
1822.38928
1781.43824
1738.43966
1693.29114
1645.8852
1596.10896
1543.8439
1488.9656
1431.34338
1370.84005
1307.31155
1240.60663
1170.56646
1097.02428
1019.805
938.724746
853.590483
764.199508
670.338983
571.785432
468.304204
359.648914
245.56086
125.768403

502.8076748
527.9480585
554.3454615
582.0627345
611.1658713
641.7241648
673.8103731
707.5008917
742.8759363
780.0197331
819.0207198
859.9717558
902.9703436
948.1188607
995.5248038
1045.301044
1097.566096
1152.444401
1210.066621
1270.569952
1334.09845
1400.803372
1470.843541
1544.385718
1621.605004
1702.685254
1787.819517
1877.210492
1971.071017
2069.624568
2173.105796
2281.761086
2395.84914
2515.641597

42,269.24
41,741.29
41,186.95
40,604.88
39,993.72
39,351.99
38,678.18
37,970.68
37,227.81
36,447.79
35,628.76
34,768.79
33,865.82
32,917.70
31,922.18
30,876.88
29,779.31
28,626.87
27,416.80
26,146.23
24,812.13
23,411.33
21,940.49
20,396.10
18,774.49
17,071.81
15,283.99
13,406.78
11,435.71
9,366.08
7,192.98
4,911.22
2,515.37
-0.27

7730.761171
8258.709229
8813.054691
9395.117425
10006.2833
10648.00746
11321.81783
12029.31873
12772.19466
13552.2144
14371.23512
15231.20687
16134.17721
17082.29608
18077.82088
19123.12192
20220.68802
21373.13242
22583.19904
23853.76899
25187.86744
26588.67082
28059.51436
29603.90007
31225.50508
32928.19033
34716.00985
36593.22034
38564.29136
40633.91593
42807.02172
45088.78281
47484.63195
50000.27355