Informática Aplicada a Finanzas

Préstamos y Amortizaciones

Estudiante (s): MARGARITA CONDOR PAQUIYAURI

Sección: IX Docente: CPC. VICTORIA ACUÑA QUISPE

PRESTAMOS Y AMORTIZACIONES
Monto: S/. 50,000.00
TEA: 48% Tasa Efectiva: 3.32% pago 5119.83
Frec.Periodo: Mensual
N° Periodos: 12 Cuota Fija:

Método Francés FUNCIONES FINANCIERAS

N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/. 50,000.00 S/. 50,000.00 PAGO S/.5,119.83
1 S/. 46,540.66 S/. 1,660.49 S/.5,119.83 S/.3,459.34 S/. 46,540.66
2 S/. 42,966.43 S/. 1,545.60 S/.5,119.83 S/.3,574.23 S/. 42,966.43 el banco ganara un interes de S/.11437.95 y el beneficiario pagara cuota a
futuro S/.61437.95
3 S/. 39,273.50 S/. 1,426.90 S/.5,119.83 S/.3,692.93 S/. 39,273.50
4 S/. 35,457.93 S/. 1,304.26 S/.5,119.83 S/.3,815.57 S/. 35,457.93
5 S/. 31,515.65 S/. 1,177.55 S/.5,119.83 S/.3,942.28 S/. 31,515.65
6 S/. 27,442.45 S/. 1,046.63 S/.5,119.83 S/.4,073.20 S/. 27,442.45
7 S/. 23,233.97 S/. 911.36 S/.5,119.83 S/.4,208.47 S/. 23,233.97
8 S/. 18,885.74 S/. 771.59 S/.5,119.83 S/.4,348.24 S/. 18,885.74 CONCLUSIONES
9 S/. 14,393.10 S/. 627.19 S/.5,119.83 S/.4,492.64 S/. 14,393.10
En el medotodo frances pagas un interes de S/.11437.95 , en el metodo
aleman pagas un interes de S/.10793.15 y en el metodo americano pagas
10 S/. 9,751.26 S/. 477.99 S/.5,119.83 S/.4,641.84 S/. 9,751.26
un interes de 19925.85 y el que nos conviene sera el metodo aleman por
11 S/. 4,955.27 S/. 323.84 S/.5,119.83 S/.4,795.99 S/. 4,955.27 que se paga menos intereses .
12 S/. - S/. 164.56 S/.5,119.83 S/.4,955.27 S/. - aunque en el peru se usa mas el metodo frances por que la entidad que
TOTAL: S/. 11,437.95 S/.61,437.95 S/.50,000.00 presta el dinero sale beneficiado

MONTO S/.120,000
TEA 72% TEM 0.05 PAGO 13252.73920857 6904.56884
PERIODO MENSUAL
N° DE PERIODO 36

Método Francés FUNCIONES FINANCIERAS

N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/.120,000 S/.120,000 PAGO S/.6,904.57
1 S/. 118,643.09 S/. 5,547.66 S/.6,904.57 S/.1,356.91 S/. 118,643.09
2 S/. 117,223.45 S/. 5,484.93 S/.6,904.57 S/.1,419.64 S/. 117,223.45
3 S/. 115,738.18 S/. 5,419.30 S/.6,904.57 S/.1,485.27 S/. 115,738.18
4 S/. 114,184.24 S/. 5,350.63 S/.6,904.57 S/.1,553.94 S/. 114,184.24
5 S/. 112,558.46 S/. 5,278.79 S/.6,904.57 S/.1,625.78 S/. 112,558.46
6 S/. 110,857.53 S/. 5,203.63 S/.6,904.57 S/.1,700.94 S/. 110,857.53
7 S/. 109,077.96 S/. 5,125.00 S/.6,904.57 S/.1,779.57 S/. 109,077.96
8 S/. 107,216.11 S/. 5,042.73 S/.6,904.57 S/.1,861.84 S/. 107,216.11 CONCLUSIONES
9 S/. 105,268.20 S/. 4,956.65 S/.6,904.57 S/.1,947.92 S/. 105,268.20 En el medotodo frances pagas un interes de S/.128564.48, en el metodo
10 S/. 103,230.23 S/. 4,866.60 S/.6,904.57 S/.2,037.97 S/. 103,230.23 aleman pagas un interes de S/.102631.68 y en el metodo americano
11 S/. 101,098.04 S/. 4,772.38 S/.6,904.57 S/.2,132.19 S/. 101,098.04 pagas un interes de s/.199715.70 y el que nos conviene sera el metodo
12 S/. 98,867.29 S/. 4,673.81 S/.6,904.57 S/.2,230.76 S/. 98,867.29 aleman por que se paga menos intereses .
13 S/. 96,533.40 S/. 4,570.68 S/.6,904.57 S/.2,333.89 S/. 96,533.40 aunque en el peru se usa mas el metodo frances por que la entidad que
14 S/. 94,091.62 S/. 4,462.79 S/.6,904.57 S/.2,441.78 S/. 94,091.62 presta el dinero sale beneficiado
15 S/. 91,536.95 S/. 4,349.90 S/.6,904.57 S/.2,554.67 S/. 91,536.95
16 S/. 88,864.18 S/. 4,231.80 S/.6,904.57 S/.2,672.77 S/. 88,864.18
17 S/. 86,067.84 S/. 4,108.23 S/.6,904.57 S/.2,796.33 S/. 86,067.84
18 S/. 83,142.23 S/. 3,978.96 S/.6,904.57 S/.2,925.61 S/. 83,142.23
19 S/. 80,081.37 S/. 3,843.71 S/.6,904.57 S/.3,060.86 S/. 80,081.37
20 S/. 76,879.00 S/. 3,702.20 S/.6,904.57 S/.3,202.37 S/. 76,879.00
21 S/. 73,528.59 S/. 3,554.15 S/.6,904.57 S/.3,350.42 S/. 73,528.59
22 S/. 70,023.28 S/. 3,399.26 S/.6,904.57 S/.3,505.31 S/. 70,023.28
23 S/. 66,355.92 S/. 3,237.21 S/.6,904.57 S/.3,667.36 S/. 66,355.92
24 S/. 62,519.02 S/. 3,067.67 S/.6,904.57 S/.3,836.90 S/. 62,519.02
25 S/. 58,504.74 S/. 2,890.28 S/.6,904.57 S/.4,014.28 S/. 58,504.74
26 S/. 54,304.87 S/. 2,704.70 S/.6,904.57 S/.4,199.87 S/. 54,304.87
27 S/. 49,910.84 S/. 2,510.54 S/.6,904.57 S/.4,394.03 S/. 49,910.84
28 S/. 45,313.67 S/. 2,307.40 S/.6,904.57 S/.4,597.17 S/. 45,313.67
29 S/. 40,503.98 S/. 2,094.87 S/.6,904.57 S/.4,809.70 S/. 40,503.98
30 S/. 35,471.93 S/. 1,872.52 S/.6,904.57 S/.5,032.05 S/. 35,471.93
31 S/. 30,207.24 S/. 1,639.88 S/.6,904.57 S/.5,264.68 S/. 30,207.24
32 S/. 24,699.17 S/. 1,396.50 S/.6,904.57 S/.5,508.07 S/. 24,699.17
33 S/. 18,936.46 S/. 1,141.85 S/.6,904.57 S/.5,762.71 S/. 18,936.46
34 S/. 12,907.33 S/. 875.44 S/.6,904.57 S/.6,029.13 S/. 12,907.33
35 S/. 6,599.47 S/. 596.71 S/.6,904.57 S/.6,307.86 S/. 6,599.47
36 S/. 0.00 S/. 305.10 S/.6,904.57 S/.6,599.47 S/. 0.00
TOTAL: S/. 128,564.48 S/.248,564.48 S/.120,000.00
PRESTAMOS Y AMORTIZACIONES
Monto: S/. 50,000.00
TEA: 48% Tasa Efectiva: 3.32%
Frec.Periodo: Mensual
N° Periodos: 12 Amortización Fija: S/.4,166.67

Método Americano
CONCLUSIONES
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda En el metodo Aleman la amortizacion es igual para todo el perido del
0 S/. 50,000.00 S/. 50,000.00 prestamos , y la cuota es la suma de interes + la amortizacion la cual beneficiaria
1 S/. 45,833.33 S/. 1,660.49 S/.5,827.15 S/.4,166.67 S/. 45,833.33 al cliente con este metodo ya que se pagaria menos interes
entonces el banco ganara un intres de 10793.15 , y el cliente pagara una cuota a
2 S/. 41,666.67 S/. 1,522.11 S/.5,688.78 S/.4,166.67 S/. 41,666.67 futuro de 60793.15
3 S/. 37,500.00 S/. 1,383.74 S/.5,550.40 S/.4,166.67 S/. 37,500.00
4 S/. 33,333.33 S/. 1,245.36 S/.5,412.03 S/.4,166.67 S/. 33,333.33
5 S/. 29,166.67 S/. 1,106.99 S/.5,273.66 S/.4,166.67 S/. 29,166.67
6 S/. 25,000.00 S/. 968.62 S/.5,135.28 S/.4,166.67 S/. 25,000.00 CONCLUSIONES
7 S/. 20,833.33 S/. 830.24 S/.4,996.91 S/.4,166.67 S/. 20,833.33
En el medotodo frances pagas un interes de S/.11437.95 , en el metodo
aleman pagas un interes de S/.10793.15 y en el metodo americano pagas
8 S/. 16,666.67 S/. 691.87 S/.4,858.54 S/.4,166.67 S/. 16,666.67
un interes de 19925.85 y el que nos conviene sera el metodo aleman por
9 S/. 12,500.00 S/. 553.50 S/.4,720.16 S/.4,166.67 S/. 12,500.00 que se paga menos intereses .
10 S/. 8,333.33 S/. 415.12 S/.4,581.79 S/.4,166.67 S/. 8,333.33 aunque en el peru se usa mas el metodo frances por que la entidad que
11 S/. 4,166.67 S/. 276.75 S/.4,443.41 S/.4,166.67 S/. 4,166.67 presta el dinero sale beneficiado
12 S/. - S/. 138.37 S/.4,305.04 S/.4,166.67 S/. -
TOTAL: S/. 10,793.15 S/.60,793.15 S/.50,000.00

MONTO S/.120,000
TEA 72% TEM 0.05 pag 6904.57
PERIODO MENSUAL
N° DE PERIODO 36

Método Francés
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/.120,000 S/.120,000
1 S/. 116,666.67 S/. 5,547.66 S/.8,880.99 S/.3,333.33 S/. 116,666.67
2 S/. 113,333.33 S/. 5,393.56 S/.8,726.89 S/.3,333.33 S/. 113,333.33
3 S/. 110,000.00 S/. 5,239.46 S/.8,572.79 S/.3,333.33 S/. 110,000.00
4 S/. 106,666.67 S/. 5,085.35 S/.8,418.69 S/.3,333.33 S/. 106,666.67
5 S/. 103,333.33 S/. 4,931.25 S/.8,264.59 S/.3,333.33 S/. 103,333.33
6 S/. 100,000.00 S/. 4,777.15 S/.8,110.48 S/.3,333.33 S/. 100,000.00
7 S/. 96,666.67 S/. 4,623.05 S/.7,956.38 S/.3,333.33 S/. 96,666.67
8 S/. 93,333.33 S/. 4,468.95 S/.7,802.28 S/.3,333.33 S/. 93,333.33
9 S/. 90,000.00 S/. 4,314.85 S/.7,648.18 S/.3,333.33 S/. 90,000.00 CONCLUSIONES
10 S/. 86,666.67 S/. 4,160.74 S/.7,494.08 S/.3,333.33 S/. 86,666.67 En el metodo Aleman la amortizacion es igual para todo el perido del
prestamos , y la cuota es la suma de interes + la amortizacion la cual beneficiaria
11 S/. 83,333.33 S/. 4,006.64 S/.7,339.98 S/.3,333.33 S/. 83,333.33 al cliente con este metodo ya que se pagaria menos interes
12 S/. 80,000.00 S/. 3,852.54 S/.7,185.87 S/.3,333.33 S/. 80,000.00 entonces el banco ganara un interes de 102631.68 y el beneficiario pagara a un
13 S/. 76,666.67 S/. 3,698.44 S/.7,031.77 S/.3,333.33 S/. 76,666.67 futuro S/.222631.68
14 S/. 73,333.33 S/. 3,544.34 S/.6,877.67 S/.3,333.33 S/. 73,333.33
15 S/. 70,000.00 S/. 3,390.24 S/.6,723.57 S/.3,333.33 S/. 70,000.00
16 S/. 66,666.67 S/. 3,236.13 S/.6,569.47 S/.3,333.33 S/. 66,666.67
17 S/. 63,333.33 S/. 3,082.03 S/.6,415.37 S/.3,333.33 S/. 63,333.33
18 S/. 60,000.00 S/. 2,927.93 S/.6,261.26 S/.3,333.33 S/. 60,000.00
19 S/. 56,666.67 S/. 2,773.83 S/.6,107.16 S/.3,333.33 S/. 56,666.67
20 S/. 53,333.33 S/. 2,619.73 S/.5,953.06 S/.3,333.33 S/. 53,333.33 CONCLUSIONES
21 S/. 50,000.00 S/. 2,465.63 S/.5,798.96 S/.3,333.33 S/. 50,000.00 En el medotodo frances pagas un interes de S/.128564.48, en el metodo
22 S/. 46,666.67 S/. 2,311.52 S/.5,644.86 S/.3,333.33 S/. 46,666.67
aleman pagas un interes de S/.102631.68 y en el metodo americano
23 S/. 43,333.33 S/. 2,157.42 S/.5,490.76 S/.3,333.33 S/. 43,333.33
pagas un interes de s/.199715.70 y el que nos conviene sera el metodo
aleman por que se paga menos intereses .
24 S/. 40,000.00 S/. 2,003.32 S/.5,336.65 S/.3,333.33 S/. 40,000.00
aunque en el peru se usa mas el metodo frances por que la entidad que
25 S/. 36,666.67 S/. 1,849.22 S/.5,182.55 S/.3,333.33 S/. 36,666.67 presta el dinero sale beneficiado
26 S/. 33,333.33 S/. 1,695.12 S/.5,028.45 S/.3,333.33 S/. 33,333.33
27 S/. 30,000.00 S/. 1,541.02 S/.4,874.35 S/.3,333.33 S/. 30,000.00
28 S/. 26,666.67 S/. 1,386.91 S/.4,720.25 S/.3,333.33 S/. 26,666.67
29 S/. 23,333.33 S/. 1,232.81 S/.4,566.15 S/.3,333.33 S/. 23,333.33
30 S/. 20,000.00 S/. 1,078.71 S/.4,412.04 S/.3,333.33 S/. 20,000.00
31 S/. 16,666.67 S/. 924.61 S/.4,257.94 S/.3,333.33 S/. 16,666.67
32 S/. 13,333.33 S/. 770.51 S/.4,103.84 S/.3,333.33 S/. 13,333.33
33 S/. 10,000.00 S/. 616.41 S/.3,949.74 S/.3,333.33 S/. 10,000.00
34 S/. 6,666.67 S/. 462.30 S/.3,795.64 S/.3,333.33 S/. 6,666.67
35 S/. 3,333.33 S/. 308.20 S/.3,641.54 S/.3,333.33 S/. 3,333.33
36 S/. 0.00 S/. 154.10 S/.3,487.43 S/.3,333.33 S/. 0.00
TOTAL: S/. 102,631.68 S/.222,631.68 S/.120,000.00
PRESTAMOS Y AMORTIZACIONES
Monto: S/. 50,000.00
TEA: 48% Tasa Efectiva: 3.32%
Frec.Periodo: Mensual
N° Periodos: 12

Método Americano
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/. 50,000.00 S/. 50,000.00 CONCLUSIONES
En este metodo las cuotas son iguales para todo los periodos , pero el ultimo
1 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 dia de pago se paga el interes + el monto de la deuda .
2 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 Entonces el banco ganara un interes de S/.19925.82 y el beneficiario pagara al
3 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 final del periodo una cuota de S/.69925.82
4 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00
5 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00
6 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 CONCLUSIONES
7 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 En el medotodo frances pagas un interes de S/.11437.95 , en el metodo
8 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00
aleman pagas un interes de S/.10793.15 y en el metodo americano pagas
un interes de 19925.85 y el que nos conviene sera el metodo aleman por
9 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00
que se paga menos intereses .
10 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 aunque en el peru se usa mas el metodo frances por que la entidad que
11 S/. 50,000.00 S/.1,660.49 S/.1,660.49 S/.0.00 S/. 50,000.00 presta el dinero sale beneficiado
12 S/. - S/.1,660.49 S/. 51,660.49 S/. 50,000.00
TOTAL: S/.19,925.82 S/.69,925.82 S/.50,000.00

MONTO S/.120,000
TEA 72% TEM 0.05 pag
PERIODO MENSUAL
N° DE PERIODO 36

Método Francés
N° Cuota Deuda Interés Cuota Amortización Saldo Deuda
0 S/.120,000 S/.120,000
1 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
2 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
3 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
4 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
5 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
6 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
7 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
8 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
9 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
10 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
11 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
12 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
13 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
14 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
15 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
16 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
17 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
CONCLUSIONES
18 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000 En este metodo las cuotas son iguales para todo los periodos , pero el ultimo
19 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000 dia de pago se paga el interes + el monto de la deuda .
20 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000 Entonces el banco ganara un interes de S/.199715.70 y el beneficiario ganara un
cuota de S/.319715.70
21 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
22 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
23 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
24 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
25 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
26 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000 CONCLUSIONES
27 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
En el medotodo frances pagas un interes de S/.128564.48, en el metodo
28 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
aleman pagas un interes de S/.102631.68 y en el metodo americano
pagas un interes de s/.199715.70 y el que nos conviene sera el metodo
29 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
aleman por que se paga menos intereses .
30 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000 aunque en el peru se usa mas el metodo frances por que la entidad que
31 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000 presta el dinero sale beneficiado
32 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
33 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
34 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
35 S/.120,000 S/.5,547.66 S/.5,547.66 S/.0.00 S/.120,000
36 S/.0 S/.5,547.66 S/.125,547.66 S/.120,000.00
TOTAL: S/. 199,715.70 S/.319,715.70 S/.120,000.00