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ANUALIDADES

Tabla de amortizacion cuota fija

Periodo Cuota Interes Abono a capital Saldo
- 7,565,570.24
1.00 400,000.00 151,311.40 248,688.60 7,316,881.65
2.00 400,000.00 146,337.63 253,662.37 7,063,219.28
3.00 400,000.00 141,264.39 258,735.61 6,804,483.66
4.00 400,000.00 136,089.67 263,910.33 6,540,573.34
5.00 400,000.00 130,811.47 269,188.53 6,271,384.80
6.00 400,000.00 125,427.70 274,572.30 5,996,812.50
7.00 400,000.00 119,936.25 280,063.75 5,716,748.75
8.00 400,000.00 114,334.98 285,665.02 5,431,083.73
9.00 400,000.00 108,621.67 291,378.33 5,139,705.40
10.00 400,000.00 102,794.11 297,205.89 4,842,499.51
11.00 400,000.00 96,849.99 303,150.01 4,539,349.50
12.00 400,000.00 90,786.99 309,213.01 4,230,136.49
13.00 400,000.00 84,602.73 315,397.27 3,914,739.22
14.00 400,000.00 78,294.78 321,705.22 3,593,034.00
15.00 400,000.00 71,860.68 328,139.32 3,264,894.68
16.00 400,000.00 65,297.89 334,702.11 2,930,192.58
17.00 400,000.00 58,603.85 341,396.15 2,588,796.43
18.00 400,000.00 51,775.93 348,224.07 2,240,572.36
19.00 400,000.00 44,811.45 355,188.55 1,885,383.80
20.00 400,000.00 37,707.68 362,292.32 1,523,091.48
21.00 400,000.00 30,461.83 369,538.17 1,153,553.31
22.00 400,000.00 23,071.07 376,928.93 776,624.38
23.00 400,000.00 15,532.49 384,467.51 392,156.86
24.00 400,000.00 7,843.14 392,156.86 0.00

00 .565.570.24 tasa 2% plazo 24.Tasa 2% Valor de contado de la moto precio moto $ 7.

378.63 113.00 $ 379.946.481.63 227.026.00 $ 379.28 35.63 236.00 $ 379.459.63 2.00 $ 379.249.946.946.465.977.946.696.81 23.53 16.63 285.63 198.89 103.98 20.946.00 181.17 37. 2.00 $ 379.64 13.63 263.715.00 $ 379.35 243.25 31.63 150.00 $ 379.03 223.472.908.568.946.486.10 139.547.63 266.06 100.946.082.46 258.97 21.291.99 127.946.00 $ 379.86 151.77 19.58 12.97 40.946.946.00 $ 379.178.96 33.065.946.946.093.00 $ 379.946.45 236.430.63 270.60 94.63 175.63 244.63 223.00 $ 379.768.946.71 266.946.63 256.00 $ 379.789.81 171.459.63 240.946. Tabla de amortizacion cuota fija Periodo Cuota Interes Abono a capital .56 26.30 28.29 106.705.946.72 15.84 22.240.946.399.87 113.471.63 232.00 $ 379.268.546.00 $ 379.946.946.03 3.63 276.63 259.670.880.92 38.474.79 166.63 128.18 4.63 136.00 $ 379.946.047.725.45 .873.00 $ 379.10 274.367.59 204.230.946.000.400.25 24.946.157.63 187.946.515.08 8.749.85 17.39 116.00 $ 379.946.873.946.00 1.946.770.63 208.63 181.00 $ 379.946.53 39.176.63 156.24 30.63 273.946.073.00 $ 91.179.72 131.241.55 109.946.18 291.65 156.28 147.532.39 210.65 282.63 25.91 14.972.355.852.63 143.969.90 135.757.63 97.33 198.38 176.34 7.56 5.00 $ 379.919.00 $ 379.63 248.45 97.00 $ 379.00 $ 379.15 251.76 9.946.63 88.60 32.482.63 169.475.228.63 163.413.767.946.50 11.82 27.00 $ 379.74 6.189.00 $ 379.35 18.81 192.946.05 123.78 143.63 279.946.63 288.04 29.00 $ 379.00 $ 379.00 $ 379.946.00 $ 379.63 213.24 10.00 $ 379.946.00 $ 379.072.946.63 218.038.197.00 $ 379.00 $ 379.00 $ 379.00 $ 379.678.06 186.00 $ 379.400.63 121.946.00 $ 379.946.66 161.464.38 216.869.973.000.00 $ 379.275.863.00 $ 379.63 105.077.63 252.221.63 203.579.898.706.946.486.18 34.655.00 $ 379.591.48 36.13 119.717.63 282.67 229.63 193.00 $ 379.946.

704.63 163.547.00 379.00 379.908.00 379.90 135.065.00 $ 379.03 223.97 337.63 169.240.63 244.291.66 46.367.56 5.946.946.00 379.06 100.898.931.655.04 29.63 25.00 379.98 20.515.013.63 32.413.63 223.082.00 379.72 131.946.946.474.973.717.34 7.946.946.946.00 379.946.00 379.789.946.745.038.79 166.178.00 379.63 263.65 156.066.00 $ 379.464.678.241.399.852.60 .00 $ 379.63 208.00 379.355.946.64 13.63 282.63 181.03 3.84 22.05 123.66 161.10 139.00 379.58 12.946.157.25 24.63 2.99 47.24 30.28 147.38 43.60 94.63 213.00 379.63 248.74 6.63 232.87 113.579.63 288.471.532.76 9.00 379.63 279.81 171.63 156.63 175.63 227.946.35 18.591.696.81 23.000.00 91.06 186.78 143.179.49 358.63 259.63 236.946.946.946.63 52.946.38 216.63 203.946.64 347.268.077.972.946.946.368.63 240.880.29 106.946.25 31.946.093.747.30 28.946.946.00 379.00 379.00 $ 379.00 379.946.31 318.228.63 71.32 44.00 379.13 119.378.400.38 42.946.00 379.63 61.946.56 26.00 379.00 $ 379.946.25 308.000.63 270.63 80.472.00 379.63 11.933.38 176.63 42.946.00 379.969.63 256.810.00 $ 379.77 19.869.946.946.00 1.459.919.14 48.026.946.72 15.00 379.53 16.00 379.475.63 285.047.946.39 210.63 187.00 379. 41.863.199.00 379.00 379.82 27.99 127.768.63 198.59 204.00 181.275.946.97 21.00 $ 379.946.015.89 103.86 151.63 252.08 8.946.546.33 327.430.55 109. 2.63 273.33 198.568.00 379.482.63 193.249.45 97.63 21.670.39 116.81 192.00 379.00 $ 379.706.50 11.00 379.18 4.880.577.00 379.946.00 379.63 276.767.22 Con buscar objetivo Periodo Cuota Interes Abono a capital .946.946.63 218.25 299.24 10.91 14.41 368.241.977.946.946.201.30 45.63 266.85 17.486.705.400.136.

201.63 21.00 36.49 358.015.00 1% 2% 3% 4% .946.25 308.00 379.25 299.38 42.946.30 45.45 236.880.946.17 37.715.946.00 379.00 379.45 41.18 34.459.946.00 379.946.63 12.63 80.15 251.97 40.92 38.221.00 379.35 243.00 379.63 143.946.946.757.946.00 379.63 150.63 32.00 379.946.63 128.00 24.176.931.00 379.946.41 368.99 47.63 88.00 379.747.33 327.31 318.749.725.00 379.013.770.873.577.946.22 TABLA DE SENSIBILIZACION (PLAZO Y TASA DE INTERES) $ 379.946.66 46.96 33.67 229.00 379.197.00 379.199.230.933.63 42.48 36.63 113.072.00 379.745.00 379.00 379.63 52.14 48. 32.97 337.18 291.71 266.946.38 43.63 11.00 379.465.946.486.63 136.63 71.28 35.63 97.481.63 61.46 258.64 347.946.63 121.704.241.073.136.066.63 105.368.32 44.810.53 39.10 274.873.65 282.189.946.946.

958.600.000.61 intereses 8.valor real del viaje sacado a credito 9.34 6.934.interes 9.18 5.13 6.37 tasa de interes mensual 3% 8.129.000.295.32 4.83 2.946.82 6.251.667. Abraham adquiere un tour por sur america que tiene un precio de contado de $12.246.090.63 7.990.45 5.19 4.00 8.247.028.895.92 5.60 9.000.10 valor a financiar 9.00 7.348.73 cuota inicial 20% 8.291.599.37 4.434.904.17 9.781.68 MODELO FINANCIERO 8.515.000.588.163.81 2.802.693.535.600.290.creacion de escenarios 9.44 8.293.63 7.889.002.637.646.tabla de amortizacion 5.44 8.241.503.904.892.442.26 3.38 .055.616.548.886.90 4.41 5.642.359.225.746.778.842.72 cuota mensual $ 379.400.600.000.422.108.462.772.545.00 7.111.665.creacion tabla de sensibilizacion (plazo y tasas de interes) 9.57 cuota inicial en pesos 2.34 3.053.17 7.508.215.86 9.379.005.856.01 6.82 plazo meses 48.040.792.422.413.17 7.000.121.438.305.715.315.963.00 8.021.37 4.000 y el cual lo piensa financiar mediante la siguiente manera tasa de interes del 3% mensual cuota inicial del 20% del valor de contado plazo 4 años (48 meses) determinar: 1.00 3.52 8.782.996.970.095.438.cuota fija mensual que tendra que pagar abraham Saldo 2.366.42 3.95 Precio del viaje 12.447.279.637.76 6.329.38 valor real del viaje sacado a credito 20.75 5.57 6.652.602.177.66 6.066.

52 8.01 6.002.95 8.652.247.60 9.66 6.434.053.111.740.447.36 368.746.299.880.359.57 6.18 5.422.074.842.45 5.57 7.92 5.225.82 6.32 .177.066.616.599.970.44 8.129.508.00 2.10 7.886.422. 2.016.121.17 9.246.290.055.22 0.293.802.72 7.588.73 8.044.163.13 6.01 1.63 1.963.996.279.44 8.215.68 8.38 7.367.243.646.366.889.693.028.000.348.895.37 8.63 7.41 5.602.61 7.856.31 1.545.82 8.251.600.379.34 9.005.37 9.058.75 5.665.642.00 ar objetivo Saldo 9.413.600.35 727.090.329.412.295.782.442.175.904.86 9.00 tasa 3% 9.315.095.721.934.462.792.76 6.892.

040.074.22 (0.305.503.667.299.00) ERES) 48.904.00 .37 4.36 368.175.781.721.412.535.90 4.016.990.42 3.958.108.00 60.243.044.26 3.548.35 727.715.81 2.880.241.63 1.31 1.367.19 4.38 2.291.00 2.34 3.515.778.058.021. 4.772.83 2.01 1.740.

000.000 y el l 3% mensual cuota r: .ado de $12.

90 .00 400.00 28.000.28 353.000.24 380.000.00 1.439.274.918.00 400.298.000.37 328.000.91 336.380.00 400.64 312.76 12.26 10.00 400.72 9.34 5.493.91 3.00 9.619.000.00 400.756.00 400.76 11.00 46.00 55.00 87.000.75 8.479.63 6.24 371.000.00 400.00 63.291. Tabla de amortizacion cuota fija Periodo Cuota Interes Abono a capital .00 400.00 400.35 2.09 304.36 4.09 7.506. 3.65 297.00 79.25 344.708.000.243.142.000.66 320.081.000.857.000.458.74 362.577.00 37.422.520.00 102.00 19.000.560.00 400.000.701.00 400.10 390.541.00 71.725.00 95.00 400.

346.21 2.504.805.500.203.90 0.000.331.84 3.00 390.15 1.105.49 3. 4.789. calcular el valor del vehiculo y construir tabla Saldo de amortizacion.87 2.105.57 3.43 tasa 3% 770.24 2.250.84 1. Se compra un vehiculo con una cuota inicial de $3. 1.858.000.683.539.68 precio vehiculo $ 4.00 Tasa 3% .969.5% mensual sobre saldos.868.054.103.103.243.188.825.756.000 y 12 cuotas mensuales iguales de $400.66 plazo 12.40 1.409.142. la agencia le cobra el 2.

00 1.86 2.00 1. 1.00 1.00 1.00 11.000.00 8.000.00 1.00 .000.000.000.000.00 9.000.000.000.000.00 1.00 4. Tabla de amortizacion cuota fija Periodo Cuota Interes Abono a capital .057.00 10.00 1.00 5.00 1.00 1.000.356.000.14 809.000.000.000.12 1.000.534.000.00 7.00 6.000.000.00 190.000.00 1.00 1.643.000.00 3.000.00 1.000.000.00 12.

2.708. Calcular el valor de contado de un vehiculo que financiado se puede adquirir de la siguiente forma una Saldo cuota inicial de 10% del valor de contado y 12 cuotas 9.575.000 la tasa de interes de financiacion es de 2% mensual resolucion excel. 8.000.341.00 Tasa 2% .163.22 tasa 2% plazo 12.10 mensuales de $1.517.24 precio vehiculo $ 10.807.

.n vehiculo que guiente forma una tado y 12 cuotas interes de ucion excel.