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VA 1500 Capital

Ti 45% Interes
Nper 10 Numero Periodos

PAGO S/. 182.64 Cuota Mensual


INTERES S/. 56.25 Monto de Interes
PRINCIPAL S/. 126.39 Monto del Principal

182.64

Tal como se muestra a continuacion la deuda al primer mes es de S/. 1373.61

MONTO PRESTADO 1500

Mes Capital Cuota Mensual Principal

1 S/. 1,500.00 S/. 182.64 S/. 126.39


2 S/. 1,373.61 S/. 182.64 S/. 131.13
3 S/. 1,242.48 S/. 182.64 S/. 136.05
4 S/. 1,106.43 S/. 182.64 S/. 141.15
5 S/. 965.28 S/. 182.64 S/. 146.44
6 S/. 818.83 S/. 182.64 S/. 151.94
7 S/. 666.90 S/. 182.64 S/. 157.63
8 S/. 509.26 S/. 182.64 S/. 163.54
9 S/. 345.72 S/. 182.64 S/. 169.68
10 S/. 176.04 S/. 182.64 S/. 176.04
S/. 1,826.42 S/. 1,500.00
S/. 1373.61

Inters Deuda
S/. 1,500.00
S/. 56.25 S/. 1,373.61
S/. 51.51 S/. 1,242.48
S/. 46.59 S/. 1,106.43
S/. 41.49 S/. 965.28
S/. 36.20 S/. 818.83
S/. 30.71 S/. 666.90
S/. 25.01 S/. 509.26
S/. 19.10 S/. 345.72
S/. 12.96 S/. 176.04
S/. 6.60 S/. 0.00
S/. 326.42
Inters 0.5%
Nper 12 =VF(C1;C2;-C3;0;0)
Pago 500
Valor Futuro S/. 6,167.78
=$C$3 0
N Pago Interses Acumulado
=B8
0 0 0 0
1 500 0 500 =D8*$C$
2 500 2.5 1002.50 1
=D8+C9+B9
3 500 5.0125 1507.51
4 500 7.5375625 2015.05
5 500 10.07525031 2525.13
6 500 12.62562656 3037.75
7 500 15.1887547 3552.94
8 500 17.76469847 4070.70
9 500 20.35352196 4591.06
10 500 22.95528957 5114.01
11 500 25.57006602 5639.58
12 500 28.19791635 6167.78
9+B9
Inversin 2000
=VA(B3;B2;-
Periodos 5
Tasa 4%
B1;0;0)
VA S/.8,903.64 =$B$1 =$B$3*E7 =B8-C8
=B4
Aos Pagos Intereses Amortizacin Cuotas
0 S/.8,903.64
1 2000 S/.356.15 S/.1,643.85 S/.7,259.79 =E7-D8
2 2000 S/.290.39 S/.1,709.61 S/.5,550.18
3 2000 S/.222.01 S/.1,777.99 S/.3,772.19
4 2000 S/.150.89 S/.1,849.11 S/.1,923.08
5 2000 S/.76.92 S/.1,923.08 S/.0.00
C8
=B4

=E7-D8
SUELDO 600
INTERES ANUAL 10%
N AOS 10

VALOR ACTUAL DE CADA SUELDAZO -S/. 45,402.70

-S/. 45,402.70
0.00833333

120
INTERES MENSUAL 8%
DEPOSITO INICIAL 6000
DEPOSITOS MENSUALES 600
N DE MENSUAL 20

VALOR FUTURO DE LA INVERSIN -55422.921

-55422.9214
CAPITAL SOLICITADO 60000
PAGOS MENSUALES 800
N AOS 10

TIPO DE INTERES A APLICAR 0.85%

0.85% MENSUAL
10.213% ANUAL
120
CAPITAL SOLICITADO 30000
PAGO MENSUAL -1200
INTERES ANUAL 10%

NUMERO DE PERIODOS A PAGAR 28

28
VIDA UTIL 5
VAN 100000
TASA 8%

PAGOS CONTANTES CADA MES


ANUALIDAD S/. 25,045.65

S/. 25,045.65
CALCULO DE PRESTAMOS Y CREDITOS

CAPITAL 120000
INTERES ANUAL 4%
AOS 20 =PAGO(C4,C5,-C3)
=PAGO(C4/12,C5*12,-C3)
PAGO ANUAL S/. 8,829.81
PAGO MENSUAL S/. 1,711.36 =PAGO(C4/4,C5*4,-C3)
PAGO TRIMESTRAL S/. 2,186.26
=PAGOPRIN($C$4,A13,$C$5,-$C$3)
AOS CUOTA AO AMORT. PRINCIPAL PAGO INTERES PENDIENTE
0 120000
1 S/. 8,829.81 S/. 4,029.81 S/. 4,800.00 S/. 115,970.19
2 S/. 8,829.81 S/. 4,191.00 S/. 4,638.81 S/. 111,779.19
3 S/. 8,829.81 S/. 4,358.64 S/. 4,471.17 S/. 107,420.54
4 S/. 8,829.81 S/. 4,532.99 S/. 4,296.82 S/. 102,887.56
5 S/. 8,829.81 S/. 4,714.31 S/. 4,115.50 S/. 98,173.25
=PAGOINT($C$4,A13,$C$5,-$C$3)
6 S/. 8,829.81 S/. 4,902.88 S/. 3,926.93 S/. 93,270.37
7 S/. 8,829.81 S/. 5,099.00 S/. 3,730.81 S/. 88,171.37
8 S/. 8,829.81 S/. 5,302.96 S/. 3,526.85 S/. 82,868.42
9 S/. 8,829.81 S/. 5,515.07 S/. 3,314.74 S/. 77,353.35
10 S/. 8,829.81 S/. 5,735.68 S/. 3,094.13 S/. 71,617.67
11 S/. 8,829.81 S/. 5,965.10 S/. 2,864.71 S/. 65,652.57
12 S/. 8,829.81 S/. 6,203.71 S/. 2,626.10 S/. 59,448.86
13 S/. 8,829.81 S/. 6,451.86 S/. 2,377.95 S/. 52,997.00
14 S/. 8,829.81 S/. 6,709.93 S/. 2,119.88 S/. 46,287.07
15 S/. 8,829.81 S/. 6,978.33 S/. 1,851.48 S/. 39,308.75
16 S/. 8,829.81 S/. 7,257.46 S/. 1,572.35 S/. 32,051.29
17 S/. 8,829.81 S/. 7,547.76 S/. 1,282.05 S/. 24,503.53
18 S/. 8,829.81 S/. 7,849.67 S/. 980.14 S/. 16,653.86
19 S/. 8,829.81 S/. 8,163.66 S/. 666.15 S/. 8,490.20
20 S/. 8,829.81 S/. 8,490.20 S/. 339.61 S/. 0.00
12,-C3)
4,-C3)

A13,$C$5,-$C$3)

=E13-C13

3,$C$5,-$C$3)

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