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CAPITAL 160,000,000.00 1)    La Srta.

María José concertó el 29 de Septi


TASA DE INTERES 5% SEMESTRAL Realizar las tablas de amortización para dicho
PERIODO 30 SEMESTRE a)    Alemán
CUOTA CAPITAL - b)    Francés
c)    Americano

METODO ALEMAN

Columna1 Columna2 Columna3 Columna4


FECHA PERIODO CAPITAL TASA DE INTERES
9/29/2005 1 160,000,000.00 8,000,000.00
3/28/2006 2 154,666,666.67 7,733,333.33
9/24/2006 3 149,333,333.33 7,466,666.67
3/23/2007 4 144,000,000.00 7,200,000.00
9/19/2007 5 138,666,666.67 6,933,333.33
3/17/2008 6 133,333,333.33 6,666,666.67
9/13/2008 7 128,000,000.00 6,400,000.00
3/12/2009 8 122,666,666.67 6,133,333.33
9/8/2009 9 117,333,333.33 5,866,666.67
3/7/2010 10 112,000,000.00 5,600,000.00
9/3/2010 11 106,666,666.67 5,333,333.33
3/2/2011 12 101,333,333.33 5,066,666.67
8/29/2011 13 96,000,000.00 4,800,000.00
2/25/2012 14 90,666,666.67 4,533,333.33
8/23/2012 15 85,333,333.33 4,266,666.67
2/19/2013 16 80,000,000.00 4,000,000.00
8/18/2013 17 74,666,666.67 3,733,333.33
2/14/2014 18 69,333,333.33 3,466,666.67
8/13/2014 19 64,000,000.00 3,200,000.00
2/9/2015 20 58,666,666.67 2,933,333.33
8/8/2015 21 53,333,333.33 2,666,666.67
2/4/2016 22 48,000,000.00 2,400,000.00
8/2/2016 23 42,666,666.67 2,133,333.33
1/29/2017 24 37,333,333.33 1,866,666.67
7/28/2017 25 32,000,000.00 1,600,000.00
1/24/2018 26 26,666,666.67 1,333,333.33
7/23/2018 27 21,333,333.33 1,066,666.67
1/19/2019 28 16,000,000.00 800,000.00
7/18/2019 29 10,666,666.67 533,333.33
1/14/2020 30 5,333,333.33 266,666.67
TOTAL 124,000,000.00
a José concertó el 29 de Septiembre del año 2005 una operación de préstamo hipotecario con el Banco BCSC en las siguientes condiciones
s de amortización para dicho préstamo por los métodos:

Columna5 Columna6
CUOTA A CAPITAL MONTO DE LA CUOTA
5,333,333.33 13,333,333.33
5,333,333.33 13,066,666.67
5,333,333.33 12,800,000.00
5,333,333.33 12,533,333.33
5,333,333.33 12,266,666.67
5,333,333.33 12,000,000.00
5,333,333.33 11,733,333.33
5,333,333.33 11,466,666.67
5,333,333.33 11,200,000.00
5,333,333.33 10,933,333.33
5,333,333.33 10,666,666.67
5,333,333.33 10,400,000.00
5,333,333.33 10,133,333.33
5,333,333.33 9,866,666.67
5,333,333.33 9,600,000.00
5,333,333.33 9,333,333.33
5,333,333.33 9,066,666.67
5,333,333.33 8,800,000.00
5,333,333.33 8,533,333.33
5,333,333.33 8,266,666.67
5,333,333.33 8,000,000.00
5,333,333.33 7,733,333.33
5,333,333.33 7,466,666.67
5,333,333.33 7,200,000.00
5,333,333.33 6,933,333.33
5,333,333.33 6,666,666.67
5,333,333.33 6,400,000.00
5,333,333.33 6,133,333.33
5,333,333.33 5,866,666.67
5,333,333.33 5,600,000.00
160,000,000.00 284,000,000.00
n las siguientes condiciones: solicitó $ 160.000.000, a una tasa de interés del 10% anual con capitalización semestral a un plazo de 15 años
semestral a un plazo de 15 años
CAPITAL 160000000
TASA DE INTERES 0.05 SEMESTRAL
PERIODO 30 SEMESTRE

METODO AMERICANO

FECHA PERIODO CAPITAL TASA DE INTERES


9/29/2005 1 160,000,000.00 8,000,000.00
3/28/2006 2 160,000,000.00 8,000,000.00
9/24/2006 3 160,000,000.00 8,000,000.00
3/23/2007 4 160,000,000.00 8,000,000.00
9/19/2007 5 160,000,000.00 8,000,000.00
3/17/2008 6 160,000,000.00 8,000,000.00
9/13/2008 7 160,000,000.00 8,000,000.00
3/12/2009 8 160,000,000.00 8,000,000.00
9/8/2009 9 160,000,000.00 8,000,000.00
3/7/2010 10 160,000,000.00 8,000,000.00
9/3/2010 11 160,000,000.00 8,000,000.00
3/2/2011 12 160,000,000.00 8,000,000.00
8/29/2011 13 160,000,000.00 8,000,000.00
2/25/2012 14 160,000,000.00 8,000,000.00
8/23/2012 15 160,000,000.00 8,000,000.00
2/19/2013 16 160,000,000.00 8,000,000.00
8/18/2013 17 160,000,000.00 8,000,000.00
2/14/2014 18 160,000,000.00 8,000,000.00
8/13/2014 19 160,000,000.00 8,000,000.00
2/9/2015 20 160,000,000.00 8,000,000.00
8/8/2015 21 160,000,000.00 8,000,000.00
2/4/2016 22 160,000,000.00 8,000,000.00
8/2/2016 23 160,000,000.00 8,000,000.00
1/29/2017 24 160,000,000.00 8,000,000.00
7/28/2017 25 160,000,000.00 8,000,000.00
1/24/2018 26 160,000,000.00 8,000,000.00
7/23/2018 27 160,000,000.00 8,000,000.00
1/19/2019 28 160,000,000.00 8,000,000.00
7/18/2019 29 160,000,000.00 8,000,000.00
1/14/2020 30 160,000,000.00 8,000,000.00
CUOTA A CAPITAL MONTO DE LA CUOTA
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
0 8,000,000.00
160,000,000.00 168,000,000.00
CAPITAL 160,000,000.00
TASA DE INTERES 0.05 SEMESTRAL
PERIODO 30 SEMESTRE
MONTO DE LA CUOTA 10,408,229.61
METODO FRANCES

FECHA PERIODO CAPITAL TASA DE INTERES


9/29/2005 1 160,000,000.00 8,000,000.00
3/28/2006 2 157,591,770.39 7,879,588.52
9/24/2006 3 155,063,129.30 7,753,156.46
3/23/2007 4 152,408,056.15 7,620,402.81
9/19/2007 5 149,620,229.35 7,481,011.47
3/17/2008 6 146,693,011.21 7,334,650.56
9/13/2008 7 143,619,432.16 7,180,971.61
3/12/2009 8 140,392,174.16 7,019,608.71
9/8/2009 9 137,003,553.26 6,850,177.66
3/7/2010 10 133,445,501.31 6,672,275.07
9/3/2010 11 129,709,546.76 6,485,477.34
3/2/2011 12 125,786,794.49 6,289,339.72
8/29/2011 13 121,667,904.61 6,083,395.23
2/25/2012 14 117,343,070.23 5,867,153.51
8/23/2012 15 112,801,994.13 5,640,099.71
2/19/2013 16 108,033,864.23 5,401,693.21
8/18/2013 17 103,027,327.83 5,151,366.39
2/14/2014 18 97,770,464.61 4,888,523.23
8/13/2014 19 92,250,758.23 4,612,537.91
2/9/2015 20 86,455,066.53 4,322,753.33
8/8/2015 21 80,369,590.25 4,018,479.51
2/4/2016 22 73,979,840.15 3,698,992.01
8/2/2016 23 67,270,602.55 3,363,530.13
1/29/2017 24 60,225,903.06 3,011,295.15
7/28/2017 25 52,828,968.61 2,641,448.43
1/24/2018 26 45,062,187.43 2,253,109.37
7/23/2018 27 36,907,067.19 1,845,353.36
1/19/2019 28 28,344,190.94 1,417,209.55
7/18/2019 29 19,353,170.87 967,658.54
1/14/2020 30 9,912,599.81 495,629.99
TOTAL 152,246,888.49
CUOTA A CAPITAL MONTO DE LA CUOTA
2,408,229.61 10,408,229.61
2,528,641.09 10,408,229.61
2,655,073.15 10,408,229.61
2,787,826.80 10,408,229.61
2,927,218.14 10,408,229.61
3,073,579.05 10,408,229.61
3,227,258.00 10,408,229.61
3,388,620.90 10,408,229.61
3,558,051.95 10,408,229.61
3,735,954.54 10,408,229.61
3,922,752.27 10,408,229.61
4,118,889.89 10,408,229.61
4,324,834.38 10,408,229.61
4,541,076.10 10,408,229.61
4,768,129.90 10,408,229.61
5,006,536.40 10,408,229.61
5,256,863.22 10,408,229.61
5,519,706.38 10,408,229.61
5,795,691.70 10,408,229.61
6,085,476.28 10,408,229.61
6,389,750.10 10,408,229.61
6,709,237.60 10,408,229.61
7,044,699.48 10,408,229.61
7,396,934.46 10,408,229.61
7,766,781.18 10,408,229.61
8,155,120.24 10,408,229.61
8,562,876.25 10,408,229.61
8,991,020.06 10,408,229.61
9,440,571.07 10,408,229.61
9,912,599.62 10,408,229.61
160,000,000.00 312,246,888.49
1)    El señor Sebastián José desea comprar una moto, y le proponen dos modalidades de amortización a la hora de acceder a d
La moto tiene un valor de $ 12.000.000 y le ofrecen las siguientes opciones
a)    Una cuota inicial del 40% y el resto a 18 meses a una tasa de interés del 2.4% mensual

b)    Sin cuota inicial, a 48 meses de plazo y a una tasa de interés del 0,9% mensual.

Si la compra se va a realizar utilizando el método francés de amortización, ¿Cuál de las dos opciones es más viable para el seño

A)
CAPITAL 7,200,000.00
INTERES 2% MENSAUL
PERIODO 18 MENSAUL

PERIODO CAPITAL TASA DE INTERES CUOTA A CAPITAL


1 7,200,000.00 172,800.00 324,509.76
2 6,875,490.24 165,011.77 332,297.99
3 6,543,192.25 157,036.61 340,273.15
4 6,202,919.10 148,870.06 348,439.70
5 5,854,479.40 140,507.51 356,802.25
6 5,497,677.15 131,944.25 365,365.51
7 5,132,311.64 123,175.48 374,134.28
8 4,758,177.36 114,196.26 383,113.50
9 4,375,063.85 105,001.53 392,308.23
10 3,982,755.63 95,586.14 401,723.62
11 3,581,032.00 85,944.77 411,364.99
12 3,169,667.01 76,072.01 421,237.75
13 2,748,429.26 65,962.30 431,347.46
14 2,317,081.80 55,609.96 441,699.80
15 1,875,382.00 45,009.17 452,300.59
16 1,423,081.41 34,153.95 463,155.81
17 959,925.61 23,038.21 474,271.55
18 485,654.06 11,655.70 485,654.06
TOTAL 1,751,575.67 7,200,000.00
a la hora de acceder a dicha compra.

más viable para el señor Sebastián?

MONTO DE LA CUOTA
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
497,309.76
8,951,575.67
B)    Sin cuota inicial, a 48 meses de plazo y a una tasa de interés del 0,9% mensual.

Si la compra se va a realizar utilizando el método francés de amortización, ¿Cuál de las dos opciones es más viable para el seño

CAPITAL 12,000,000.00
INTERES 1% MENSAUL
PERIODO 48 MENSAUL

PERIODO CAPITAL TASA DE INTERES CUOTA A CAPITAL


1 12,000,000.00 108,000.00 200,982.05
2 11,799,017.95 106,191.16 202,790.89
3 11,596,227.06 104,366.04 204,616.01
4 11,391,611.06 102,524.50 206,457.55
5 11,185,153.51 100,666.38 208,315.67
6 10,976,837.84 98,791.54 210,190.51
7 10,766,647.33 96,899.83 212,082.22
8 10,554,565.11 94,991.09 213,990.96
9 10,340,574.15 93,065.17 215,916.88
10 10,124,657.27 91,121.92 217,860.13
11 9,906,797.13 89,161.17 219,820.87
12 9,686,976.26 87,182.79 221,799.26
13 9,465,176.99 85,186.59 223,795.46
14 9,241,381.54 83,172.43 225,809.62
15 9,015,571.92 81,140.15 227,841.90
16 8,787,730.02 79,089.57 229,892.48
17 8,557,837.54 77,020.54 231,961.51
18 8,325,876.03 74,932.88 234,049.16
19 8,091,826.87 72,826.44 236,155.61
20 7,855,671.26 70,701.04 238,281.01
21 7,617,390.25 68,556.51 240,425.54
22 7,376,964.72 66,392.68 242,589.37
23 7,134,375.35 64,209.38 244,772.67
24 6,889,602.68 62,006.42 246,975.62
25 6,642,627.05 59,783.64 249,198.41
26 6,393,428.65 57,540.86 251,441.19
27 6,141,987.46 55,277.89 253,704.16
28 5,888,283.30 52,994.55 255,987.50
29 5,632,295.80 50,690.66 258,291.39
30 5,374,004.41 48,366.04 260,616.01
31 5,113,388.40 46,020.50 262,961.55
32 4,850,426.85 43,653.84 265,328.21
33 4,585,098.64 41,265.89 267,716.16
34 4,317,382.48 38,856.44 270,125.61
35 4,047,256.87 36,425.31 272,556.74
36 3,774,700.13 33,972.30 275,009.75
37 3,499,690.39 31,497.21 277,484.84
38 3,222,205.55 28,999.85 279,982.20
39 2,942,223.35 26,480.01 282,502.04
40 2,659,721.31 23,937.49 285,044.56
41 2,374,676.76 21,372.09 287,609.96
42 2,087,066.80 18,783.60 290,198.45
43 1,796,868.35 16,171.82 292,810.23
44 1,504,058.12 13,536.52 295,445.53
45 1,208,612.59 10,877.51 298,104.54
46 910,508.06 8,194.57 300,787.48
47 609,720.58 5,487.49 303,494.56
48 306,226.01 2,756.03 306,226.01
TOTAL 2,831,138.35 12,000,000.00
s más viable para el señor Sebastián?

MONTO DE LA CUOTA
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
308,982.05
14,831,138.35