Monto del Tasa de Plazo en

Sistema de Amortización del Crédito Interés

crédito Meses
Efectiva
Mensual
1 Cuota Capital Constante 2000000000 2.19% 12
2 Amortización cuota fija 2000000000 2.28% 24
3 Amortización de cuota fija con periodo de gracia 2000000000 2.27% 36
4 Amortización de cuota fija con periodo muerto 2000000000 2.26% 48
5 Amortización con pago único al final
del plazo 2000000000 2.35% 60
Periódo De Periodo Total
Gracia en Muerto en Periódos en
meses Meses Meses

No aplica No Aplica 26
No aplica No Aplica 36
12 No Aplica 48
No aplica 6 60

No aplica No Aplica 72
 Ejercicio 1: Sistema de Cuota Capital Constante

Datos de entrada
Capital $ 2,000,000,000
Periodos 26
Tasa de interes
mensual 2.19%
Abono a Capital $ 76,923,077

Periódo Saldo Inicial Intereses

1 $ 2,000,000,000 $ 43,800,000
2 $ 1,923,076,923 $ 42,115,385
3 $ 1,846,153,846 $ 40,430,769
4 $ 1,769,230,769 $ 38,746,154
5 $ 1,692,307,692 $ 37,061,538
6 $ 1,615,384,615 $ 35,376,923
7 $ 1,538,461,538 $ 33,692,308
8 $ 1,461,538,462 $ 32,007,692
9 $ 1,384,615,385 $ 30,323,077
10 $ 1,307,692,308 $ 28,638,462
11 $ 1,230,769,231 $ 26,953,846
12 $ 1,153,846,154 $ 25,269,231
13 $ 1,076,923,077 $ 23,584,615
14 $ 1,000,000,000 $ 21,900,000
15 $ 923,076,923 $ 20,215,385
16 $ 846,153,846 $ 18,530,769
17 $ 769,230,769 $ 16,846,154
18 $ 692,307,692 $ 15,161,538
19 $ 615,384,615 $ 13,476,923
20 $ 538,461,538 $ 11,792,308
21 $ 461,538,462 $ 10,107,692
22 $ 384,615,385 $ 8,423,077
23 $ 307,692,308 $ 6,738,462
24 $ 230,769,231 $ 5,053,846
25 $ 153,846,154 $ 3,369,231
26 $ 76,923,077 $ 1,684,615
a de Cuota Capital Constante

Abono a Capital Cuota a Pagar Saldo Final

$ 76,923,077 $ 120,723,077 $ 1,923,076,923
$ 76,923,077 $ 119,038,462 $ 1,846,153,846
$ 76,923,077 $ 117,353,846 $ 1,769,230,769
$ 76,923,077 $ 115,669,231 $ 1,692,307,692
$ 76,923,077 $ 113,984,615 $ 1,615,384,615
$ 76,923,077 $ 112,300,000 $ 1,538,461,538
$ 76,923,077 $ 110,615,385 $ 1,461,538,462
$ 76,923,077 $ 108,930,769 $ 1,384,615,385
$ 76,923,077 $ 107,246,154 $ 1,307,692,308
$ 76,923,077 $ 105,561,538 $ 1,230,769,231
$ 76,923,077 $ 103,876,923 $ 1,153,846,154
$ 76,923,077 $ 102,192,308 $ 1,076,923,077
$ 76,923,077 $ 100,507,692 $ 1,000,000,000
$ 76,923,077 $ 98,823,077 $ 923,076,923
$ 76,923,077 $ 97,138,462 $ 846,153,846
$ 76,923,077 $ 95,453,846 $ 769,230,769
$ 76,923,077 $ 93,769,231 $ 692,307,692
$ 76,923,077 $ 92,084,615 $ 615,384,615
$ 76,923,077 $ 90,400,000 $ 538,461,538
$ 76,923,077 $ 88,715,385 $ 461,538,462
$ 76,923,077 $ 87,030,769 $ 384,615,385
$ 76,923,077 $ 85,346,154 $ 307,692,308
$ 76,923,077 $ 83,661,538 $ 230,769,231
$ 76,923,077 $ 81,976,923 $ 153,846,154
$ 76,923,077 $ 80,292,308 $ 76,923,077
$ 76,923,077 $ 78,607,692 $ 0
 Ejercicio 2: Sistema de Amortización Cuota Fija

Datos de entrada
Capital $ 2,000,000,000
Periodos 36
Tasa de interes mensual 2.28%
Abono a Capital $ 55,555,556

Periódo Saldo Inicial Intereses

1 $ 2,000,000,000 $ 45,600,000.00
2 $ 1,944,444,444.44 $ 45,600,000.00
3 $ 1,888,888,888.89 $ 45,600,000.00
4 $ 1,833,333,333.33 $ 45,600,000.00
5 $ 1,777,777,778 $ 45,600,000.00
6 $ 1,722,222,222.22 $ 45,600,000.00
7 $ 1,666,666,666.67 $ 45,600,000.00
8 $ 1,611,111,111.11 $ 45,600,000.00
9 $ 1,555,555,556 $ 45,600,000.00
10 $ 1,500,000,000.00 $ 45,600,000.00
11 $ 1,444,444,444.44 $ 45,600,000.00
12 $ 1,388,888,888.89 $ 45,600,000.00
13 $ 1,333,333,333 $ 45,600,000.00
14 $ 1,277,777,777.78 $ 45,600,000.00
15 $ 1,222,222,222.22 $ 45,600,000.00
16 $ 1,166,666,666.67 $ 45,600,000.00
17 $ 1,111,111,111 $ 45,600,000.00
18 $ 1,055,555,555.56 $ 45,600,000.00
19 $ 1,000,000,000.00 $ 45,600,000.00
20 $ 944,444,444.44 $ 45,600,000.00
21 $ 888,888,888.89 $ 45,600,000.00
22 $ 833,333,333.33 $ 45,600,000.00
23 $ 777,777,777.78 $ 45,600,000.00
24 $ 722,222,222.22 $ 45,600,000.00
25 $ 666,666,666.67 $ 45,600,000.00
26 $ 611,111,111.11 $ 45,600,000.00
27 $ 555,555,555.56 $ 45,600,000.00
28 $ 500,000,000.00 $ 45,600,000.00
29 $ 444,444,444.44 $ 45,600,000.00
30 $ 388,888,888.89 $ 45,600,000.00
31 $ 333,333,333.33 $ 45,600,000.00
32 $ 277,777,777.78 $ 45,600,000.00
33 $ 222,222,222.22 $ 45,600,000.00
34 $ 166,666,666.67 $ 45,600,000.00
35 $ 111,111,111.11 $ 45,600,000.00
36 $ 55,555,555.56 $ 45,600,000.00
de Amortización Cuota Fija

Abono a Capital Cuota a Pagar Saldo Final

$ 55,555,556 $ 101,155,555.56 $ 1,944,444,444.44
$ 55,555,556 $ 101,155,555.56 $ 1,888,888,888.89
$ 55,555,556 $ 101,155,555.56 $ 1,833,333,333.33
$ 55,555,556 $ 101,155,555.56 $ 1,777,777,777.78
$ 55,555,556 $ 101,155,555.56 $ 1,722,222,222.22
$ 55,555,556 $ 101,155,555.56 $ 1,666,666,666.67
$ 55,555,556 $ 101,155,555.56 $ 1,611,111,111.11
$ 55,555,556 $ 101,155,555.56 $ 1,555,555,555.56
$ 55,555,556 $ 101,155,555.56 $ 1,500,000,000.00
$ 55,555,556 $ 101,155,555.56 $ 1,444,444,444.44
$ 55,555,556 $ 101,155,555.56 $ 1,388,888,888.89
$ 55,555,556 $ 101,155,555.56 $ 1,333,333,333.33
$ 55,555,556 $ 101,155,555.56 $ 1,277,777,777.78
$ 55,555,556 $ 101,155,555.56 $ 1,222,222,222.22
$ 55,555,556 $ 101,155,555.56 $ 1,166,666,666.67
$ 55,555,556 $ 101,155,555.56 $ 1,111,111,111.11
$ 55,555,556 $ 101,155,555.56 $ 1,055,555,555.56
$ 55,555,556 $ 101,155,555.56 $ 1,000,000,000.00
$ 55,555,556 $ 101,155,555.56 $ 944,444,444.44
$ 55,555,556 $ 101,155,555.56 $ 888,888,888.89
$ 55,555,556 $ 101,155,555.56 $ 833,333,333.33
$ 55,555,556 $ 101,155,555.56 $ 777,777,777.78
$ 55,555,556 $ 101,155,555.56 $ 722,222,222.22
$ 55,555,556 $ 101,155,555.56 $ 666,666,666.67
$ 55,555,556 $ 101,155,555.56 $ 611,111,111.11
$ 55,555,556 $ 101,155,555.56 $ 555,555,555.56
$ 55,555,556 $ 101,155,555.56 $ 500,000,000.00
$ 55,555,556 $ 101,155,555.56 $ 444,444,444.44
$ 55,555,556 $ 101,155,555.56 $ 388,888,888.89
$ 55,555,556 $ 101,155,555.56 $ 333,333,333.33
$ 55,555,556 $ 101,155,555.56 $ 277,777,777.78
$ 55,555,556 $ 101,155,555.56 $ 222,222,222.22
$ 55,555,556 $ 101,155,555.56 $ 166,666,666.67
$ 55,555,556 $ 101,155,555.56 $ 111,111,111.11
$ 55,555,556 $ 101,155,555.56 $ 55,555,555.56
$ 55,555,556 $ 101,155,555.56 -$ 0.00
 Ejercicio 3 Sistema de Amortización Cuota Fija Con

Datos de Entrada

Capital

Tasa de Interés Anual

Tasa de Interés Mensual

Periodo Saldo inicial Cuota a pagar Intereses

1 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
2 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
3 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
4 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
5 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
6 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
7 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
8 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
9 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
10 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
11 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
12 $ 2,000,000,000.00 $ 45,400,000.00 $ 45,400,000.00
13 $ 2,000,000,000.00 $ 55,555,555.56 $ 45,400,000.00
14 $ 1,989,844,444.44 $ 55,555,555.56 $ 45,169,468.89
15 $ 1,979,458,357.78 $ 55,555,555.56 $ 44,933,704.72
16 $ 1,968,836,506.94 $ 55,555,555.56 $ 44,692,588.71
17 $ 1,957,973,540.10 $ 55,555,555.56 $ 44,445,999.36
18 $ 1,946,863,983.90 $ 55,555,555.56 $ 44,193,812.43
19 $ 1,935,502,240.78 $ 55,555,555.56 $ 43,935,900.87
20 $ 1,923,882,586.09 $ 55,555,555.56 $ 43,672,134.70
21 $ 1,911,999,165.24 $ 55,555,555.56 $ 43,402,381.05
22 $ 1,899,845,990.73 $ 55,555,555.56 $ 43,126,503.99
23 $ 1,887,416,939.17 $ 55,555,555.56 $ 42,844,364.52
24 $ 1,874,705,748.13 $ 55,555,555.56 $ 42,555,820.48
25 $ 1,861,706,013.06 $ 55,555,555.56 $ 42,260,726.50
26 $ 1,848,411,184.00 $ 55,555,555.56 $ 41,958,933.88
27 $ 1,834,814,562.32 $ 55,555,555.56 $ 41,650,290.56
28 $ 1,820,909,297.33 $ 55,555,555.56 $ 41,334,641.05
29 $ 1,806,688,382.82 $ 55,555,555.56 $ 41,011,826.29
30 $ 1,792,144,653.56 $ 55,555,555.56 $ 40,681,683.64
31 $ 1,777,270,781.64 $ 55,555,555.56 $ 40,344,046.74
32 $ 1,762,059,272.83 $ 55,555,555.56 $ 39,998,745.49
33 $ 1,746,502,462.76 $ 55,555,555.56 $ 39,645,605.90
34 $ 1,730,592,513.11 $ 55,555,555.56 $ 39,284,450.05
35 $ 1,714,321,407.60 $ 55,555,555.56 $ 38,915,095.95
36 $ 1,697,680,948.00 $ 55,555,555.56 $ 38,537,357.52
37 $ 1,680,662,749.97 $ 55,555,555.56 $ 38,151,044.42
38 $ 1,663,258,238.83 $ 55,555,555.56 $ 37,755,962.02
39 $ 1,645,458,645.30 $ 55,555,555.56 $ 37,351,911.25
40 $ 1,627,255,000.99 $ 55,555,555.56 $ 36,938,688.52
41 $ 1,608,638,133.96 $ 55,555,555.56 $ 36,516,085.64
42 $ 1,589,598,664.05 $ 55,555,555.56 $ 36,083,889.67
43 $ 1,570,126,998.16 $ 55,555,555.56 $ 35,641,882.86
44 $ 1,550,213,325.47 $ 55,555,555.56 $ 35,189,842.49
45 $ 1,529,847,612.40 $ 55,555,555.56 $ 34,727,540.80
46 $ 1,509,019,597.64 $ 55,555,555.56 $ 34,254,744.87
47 $ 1,487,718,786.96 $ 55,555,555.56 $ 33,771,216.46
48 $ 1,465,934,447.86 $ 55,555,555.56 $ 33,276,711.97
n Cuota Fija Con Periodo de Gracia

Entrada

$ 2,000,000,000.00 Periodo de Amortización 36

48
30.91% Total Periodos

12
2.27% Periodo de Gracia

Amortizacion Saldo final

$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ - $ 2,000,000,000
$ 10,155,555.56 $ 1,989,844,444
$ 10,386,086.67 $ 1,979,458,358
$ 10,621,850.83 $ 1,968,836,507
$ 10,862,966.85 $ 1,957,973,540
$ 11,109,556.20 $ 1,946,863,984
$ 11,361,743.12 $ 1,935,502,241
$ 11,619,654.69 $ 1,923,882,586
$ 11,883,420.85 $ 1,911,999,165
$ 12,153,174.50 $ 1,899,845,991
$ 12,429,051.57 $ 1,887,416,939
$ 12,711,191.04 $ 1,874,705,748
$ 12,999,735.07 $ 1,861,706,013
$ 13,294,829.06 $ 1,848,411,184
$ 13,596,621.68 $ 1,834,814,562
$ 13,905,264.99 $ 1,820,909,297
$ 14,220,914.51 $ 1,806,688,383
$ 14,543,729.27 $ 1,792,144,654
$ 14,873,871.92 $ 1,777,270,782
$ 15,211,508.81 $ 1,762,059,273
$ 15,556,810.06 $ 1,746,502,463
$ 15,909,949.65 $ 1,730,592,513
$ 16,271,105.51 $ 1,714,321,408
$ 16,640,459.60 $ 1,697,680,948
$ 17,018,198.04 $ 1,680,662,750
$ 17,404,511.13 $ 1,663,258,239
$ 17,799,593.53 $ 1,645,458,645
$ 18,203,644.31 $ 1,627,255,001
$ 18,616,867.03 $ 1,608,638,134
$ 19,039,469.91 $ 1,589,598,664
$ 19,471,665.88 $ 1,570,126,998
$ 19,913,672.70 $ 1,550,213,325
$ 20,365,713.07 $ 1,529,847,612
$ 20,828,014.75 $ 1,509,019,598
$ 21,300,810.69 $ 1,487,718,787
$ 21,784,339.09 $ 1,465,934,448
$ 22,278,843.59 1443655604,27521
 Conversión tasas de Interés
Tasa Periódica a Efectiva Anual