S 1000 1000 t

n 4 5 1
r 10% 12% 2
3
4
1/r 10 8.33333333
1-1/(1+r)^n 0.31698654 0.43257314
Factor 3.16986545 3.6047762
Cuota unifo. 315.470804 277.409732

n x cuota 1261.88321 1387.04866 t

1
Inte. Para prestador 261.883215 387.04866 2
3
Cuota con formula "pago" $ 315.47 $ 277.41 4
5
 SI Int Cuota AC SF
1000 100 315.470804 215.470804 784.529196
784.529196 78.4529196 315.470804 237.017884 547.511312
547.511312 54.7511312 315.470804 260.719672 286.79164
286.79164 28.679164 315.470804 286.79164 0.00

261.883215 1000 El total de los AC, nos tiene que dar la suma que se presta
El total de los intereses debe ser igual al que se calcula como inte. para el prestador

SI Int Cuota AC SF
1000 120 277.409732 157.409732 842.590268
842.590268 101.110832 277.409732 176.2989 666.291368
666.291368 79.9549642 277.409732 197.454768 468.836601
468.836601 56.2603921 277.409732 221.14934 247.69
247.687261 29.7224713 277.409732 247.687261 0.00
ma que se presta
S 1500 1500 t
n 36 12 1
r 2.75% 2.5275% 2
3
4
1/r 36.3636364 39.5647873 5
1-1/(1+r)^n 0.62342273 0.25883383 6
Factor 22.6699175 10.2407055 7
Cuota unifo. 66.1669809 146.474283 8
9
n x cuota 2382.01131 1757.69139 10
11
Inte. Para prestador 882.011312 257.691393 12
13
Cuota con formula "pago" $ 66.17 $ 146.47 14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
 SI Int Cuota AC SF t SI
1500 41.25 66.1669809 24.9169809 1475.08302 1 1500
1475.08302 40.564783 66.1669809 25.6021979 1449.48082 2 1391.43822
1449.48082 39.8607226 66.1669809 26.3062583 1423.17456 3 1280.13254
1423.17456 39.1373005 66.1669809 27.0296804 1396.14 4 1166.0136
1396.14488 38.3939843 66.1669809 27.7729966 1368.37 5 1049.01031
1368.37189 37.6302269 66.1669809 28.536754 1339.84 6 929.049766
1339.83513 36.8454661 66.1669809 29.3215148 1310.51 7 806.057217
1310.51362 36.0391245 66.1669809 30.1278564 1280.39 8 679.95603
1280.38576 35.2106084 66.1669809 30.9563725 1249.43 9 550.667636
1249.42939 34.3593082 66.1669809 31.8076727 1217.62 10 418.111478
1217.62172 33.4845972 66.1669809 32.6823837 1184.94 11 282.204962
1184.93933 32.5858316 66.1669809 33.5811493 1151.36 12 142.86341
1151.35818 31.66235 66.1669809 34.5046309 1116.85
1116.85355 30.7134727 66.1669809 35.4535082 1081.40
1081.40004 29.7385012 66.1669809 36.4284797 1044.97
1044.97156 28.736718 66.1669809 37.4302629 1007.54
1007.5413 27.7073858 66.1669809 38.4595951 969.08
969.081706 26.6497469 66.1669809 39.517234 929.56
929.564472 25.563023 66.1669809 40.6039579 888.96
888.960514 24.4464141 66.1669809 41.7205668 847.24
847.239947 23.2990985 66.1669809 42.8678823 804.37
804.372065 22.1202318 66.1669809 44.0467491 760.33
760.325316 20.9089462 66.1669809 45.2580347 715.07
715.067281 19.6643502 66.1669809 46.5026307 668.56
668.56465 18.3855279 66.1669809 47.781453 620.78
620.783197 17.0715379 66.1669809 49.095443 571.69
571.687754 15.7214132 66.1669809 50.4455676 521.24
521.242187 14.3341601 66.1669809 51.8328208 469.41
469.409366 12.9087576 66.1669809 53.2582233 416.15
416.151143 11.4441564 66.1669809 54.7228245 361.43
361.428318 9.93927875 66.1669809 56.2277021 305.20
305.200616 8.39301694 66.1669809 57.7739639 247.43
247.426652 6.80423293 66.1669809 59.362748 188.06
188.063904 5.17175736 66.1669809 60.9952235 127.07
127.068681 3.49438872 66.1669809 62.6725922 64.40
64.3960885 1.77089243 66.1669809 64.3960885 0.00
 Int Cuota AC SF
37.9125 146.474283 108.561783 1391.43822
35.1686009 146.474283 111.305682 1280.13254
32.3553498 146.474283 114.118933 1166.0136
29.4709938 146.474283 117.003289 1049.01
26.5137357 146.474283 119.960547 929.05
23.4817328 146.474283 122.99255 806.06
20.3730961 146.474283 126.101187 679.96
17.1858887 146.474283 129.288394 550.67
13.9181245 146.474283 132.556158 418.11
10.5677676 146.474283 135.906515 282.20
7.13273042 146.474283 139.341552 142.86
3.61087269 146.474283 142.86341 0.00
S 1000 1000 t SI Int
n 6 6 1 1000 100
r 10% 10% 2 905.970705 90.5970705
g 7.50% -7.50% 3 787.986282 78.7986282
4 642.559806 64.2559806
1/(r-g) 40.00 5.71 5 465.773799 46.5773799
1+g/1+r 0.98 0.84 6 253.231042 25.3231042
(1+g/1+r)^6 0.87 0.35
1-(1+g/1+r)^6 0.13 0.65
Factor 5.1538609 3.69379789 t SI Int
1 1000 100
Cuota 1 194.029295 270.72407 2 829.27593 82.927593
3 661.783758 66.1783758
4 496.323851 49.6323851
5 331.690825 33.1690825
6 166.664402 16.6664402

Calcular las cuotas y completar la tabla de amortizacion mediante el uso del modulo "buscar objetivo"
Para ello, partir de una cuota fijada de manera aleatoria
S 1000 t SI Int Cuota
n 6 1 1000 100 194.029295
r 10% 2 905.970705 90.5970705 208.581493
g 7.50% 3 787.986282 78.7986282 224.225105
4 642.559806 64.2559806 241.041987
5 465.773799 46.5773799 259.120137
6 253.231042 25.3231042 278.554147
 Cuota AC SF
194.029295 94.0292955 905.970705
208.581493 117.984422 787.986282
224.225105 145.426476 642.559806
241.041987 176.786007 465.773799
259.120137 212.542757 253.231042
278.554147 253.231042 0.00

Cuota AC SF
270.72407 170.72407 829.27593
250.419765 167.492172 661.783758
231.638282 165.459907 496.323851
214.265411 164.633026 331.690825
198.195505 165.026423 166.664402
183.330843 166.664402 0.00

"buscar objetivo"

AC SF
94.0292955 905.970705
117.984422 787.986282
145.426476 642.559806
176.786007 465.773799
212.542757 253.231042
253.231042 0.00
S 1000 1000 t
M 200 150 1
r 10% 10% 2
3
4
M - (S x r) 100 50 5
M/(M - (S x r)) 2 3 6
ln(M/(M - (S x r))) 0.69314718056 1.09861229 7
ln(1+r) 0.0953101798 0.09531018 8
n 7.27254090 11.5267046
n aproximado 8 12

n con "NPER" 7.27254089734 11.5267046

n aproximado 8 12

t
1
2
3
4
5
6
7
8
9
10
11
12
SI Int Cuota AC SF
1000 100 200 100 900
900 90 200 110 790
790 79 200 121 669
669 66.9 200 133.1 535.9
535.9 53.59 200 146.41 389.49
389.49 38.949 200 161.051 228.439
228.439 22.8439 200 177.1561 51.2829
51.2829 5.12829 56.41119 51.2829 0

Para el ultimo periodo se debe ajustar el valor de la cuota.

Cuota del ultimo periodo = SI + int

Si cuota = SI+ int entonces AC = cuota - int = SI + int - int = SI

En consecuencia, SF = SI - AC = SI -SI = 0

SI Int Cuota AC SF
1000 100 150 50 950
950 95 150 55 895
895 89.5 150 60.5 834.5
834.5 83.45 150 66.55 767.95
767.95 76.795 150 73.205 694.745
694.745 69.4745 150 80.5255 614.2195
614.2195 61.42195 150 88.57805 525.64145
525.64145 52.564145 150 97.435855 428.205595
428.205595 42.8205595 150 107.179441 321.026155
321.026155 32.1026155 150 117.897385 203.12877
203.12877 20.312877 150 129.687123 73.4416469
73.4416469 7.34416469 80.7858116 73.4416469 -3.1264E-13
S 1000 1000 Para determinar el numero de cuotas y construir la tabla de
r 10% 10% 1 Completar la tabla en cuanto al primer periodo
Cuota 1 150 200 2 Completar la tabla en cuanto al segundo perio
g 4% -4% 3 Copiar - pegar el contenido de la tabla en cuan
4 … hasta hallar el primer periodo a partir del cu
5 Este periodo es el ultimo periodo de la tabla y
6 Para terminar, ajustar la ultima cuota

t SI Int
1 1000 100
2 950 95
3 889 88.9
4 815.66 81.566
5 728.4964 72.84964
6 625.867256 62.5867256
7 505.956046 50.5956046
8 366.753798 36.6753798
9 206.039411 20.6039411
10 21.3579946 2.13579946
de cuotas y construir la tabla de amortizacion, es posible empezar directamente por la tabla.
abla en cuanto al primer periodo
abla en cuanto al segundo periodo
el contenido de la tabla en cuanto al segundo periodo
el primer periodo a partir del cual el saldo final es negativo
s el ultimo periodo de la tabla y por ende es el numero de cuota (n)
ajustar la ultima cuota

Cuota AC SF t SI Int
150 50 950 1 1000 100
156 61 889 2 900 90
162.24 73.34 815.66 3 798 79.8
168.7296 87.1636 728.4964 4 693.48 69.348
175.478784 102.629144 625.867256 5 585.8808 58.58808
182.497935 119.91121 505.956046 6 474.599568 47.4599568
189.797853 139.202248 366.753798 7 358.984985 35.8984985
197.389767 160.714387 206.039411 8 238.331926 23.8331926
205.285358 184.681416 21.3579946 9 111.875623 11.1875623
23.493794 21.3579946 0
Cuota AC SF
200 100 900
192 102 798
184.32 104.52 693.48
176.9472 107.5992 585.8808
169.869312 111.281232 474.599568
163.07454 115.614583 358.984985
156.551558 120.653059 238.331926
150.289496 126.456303 111.875623
123.063185 111.875623 0