EJERCICIOS AMORTI

Suponga que usted comprará una casa de 650 millones de pesos, donde la cuota mensual del crédito es de 5.500
Superfinanciera). ¿Cuál es valor de la cuota inicial que usted colocó? Construya la tabla de amortización.

650,000,000 Valor casa

5,500,000 Cuota mensual

10 años 120
9.08% EA Banco popular 0.73%

$ 439,367,849.62 Vp valor del préstamo

$ 210,632,150.38
0.32
Cuota Fija

n Saldo inicial Interés Capital o amort

0
1 439,367,850 3,193,723 2,306,277
2 437,061,573 3,176,959 2,323,041
3 434,738,532 3,160,073 2,339,927
4 432,398,606 3,143,065 2,356,935
5 430,041,670 3,125,932 2,374,068
6 427,667,602 3,108,675 2,391,325
7 425,276,278 3,091,293 2,408,707
8 422,867,571 3,073,784 2,426,216
9 420,441,355 3,056,148 2,443,852
10 417,997,504 3,038,384 2,461,616
11 415,535,888 3,020,491 2,479,509
12 413,056,379 3,002,468 2,497,532
13 410,558,847 2,984,313 2,515,687
14 408,043,160 2,966,027 2,533,973
15 405,509,188 2,947,608 2,552,392
16 402,956,796 2,929,055 2,570,945
17 400,385,850 2,910,367 2,589,633
18 397,796,217 2,891,543 2,608,457
19 395,187,761 2,872,582 2,627,418
20 392,560,343 2,853,484 2,646,516
21 389,913,827 2,834,247 2,665,753
22 387,248,074 2,814,870 2,685,130
23 384,562,943 2,795,352 2,704,648
24 381,858,295 2,775,692 2,724,308
25 379,133,987 2,755,889 2,744,111
26 376,389,876 2,735,942 2,764,058
27 373,625,819 2,715,851 2,784,149
28 370,841,669 2,695,613 2,804,387
29 368,037,282 2,675,228 2,824,772
30 365,212,511 2,654,695 2,845,305
31 362,367,206 2,634,013 2,865,987
32 359,501,219 2,613,180 2,886,820
33 356,614,399 2,592,196 2,907,804
34 353,706,596 2,571,060 2,928,940
35 350,777,655 2,549,770 2,950,230
36 347,827,425 2,528,325 2,971,675
37 344,855,750 2,506,724 2,993,276
38 341,862,474 2,484,966 3,015,034
39 338,847,440 2,463,050 3,036,950
40 335,810,490 2,440,975 3,059,025
41 332,751,464 2,418,739 3,081,261
42 329,670,203 2,396,342 3,103,658
43 326,566,545 2,373,781 3,126,219
44 323,440,326 2,351,057 3,148,943
45 320,291,383 2,328,168 3,171,832
46 317,119,551 2,305,112 3,194,888
47 313,924,663 2,281,889 3,218,111
48 310,706,552 2,258,497 3,241,503
49 307,465,048 2,234,934 3,265,066
50 304,199,983 2,211,201 3,288,799
51 300,911,184 2,187,295 3,312,705
52 297,598,479 2,163,215 3,336,785
53 294,261,694 2,138,960 3,361,040
54 290,900,654 2,114,529 3,385,471
55 287,515,184 2,089,921 3,410,079
56 284,105,104 2,065,133 3,434,867
57 280,670,238 2,040,165 3,459,835
58 277,210,403 2,015,016 3,484,984
59 273,725,419 1,989,684 3,510,316
60 270,215,103 1,964,168 3,535,832
61 266,679,271 1,938,466 3,561,534
62 263,117,738 1,912,578 3,587,422
63 259,530,316 1,886,501 3,613,499
64 255,916,817 1,860,235 3,639,765
65 252,277,052 1,833,778 3,666,222
66 248,610,830 1,807,129 3,692,871
67 244,917,959 1,780,285 3,719,715
68 241,198,245 1,753,247 3,746,753
69 237,451,492 1,726,012 3,773,988
 70 233,677,504 1,698,580 3,801,420
71 229,876,084 1,670,948 3,829,052
72 226,047,031 1,643,115 3,856,885
73 222,190,146 1,615,079 3,884,921
74 218,305,225 1,586,840 3,913,160
75 214,392,065 1,558,396 3,941,604
76 210,450,461 1,529,745 3,970,255
77 206,480,205 1,500,885 3,999,115
78 202,481,090 1,471,816 4,028,184
79 198,452,906 1,442,535 4,057,465
80 194,395,442 1,413,042 4,086,958
81 190,308,484 1,383,334 4,116,666
82 186,191,818 1,353,411 4,146,589
83 182,045,229 1,323,270 4,176,730
84 177,868,499 1,292,909 4,207,091
85 173,661,408 1,262,328 4,237,672
86 169,423,736 1,231,525 4,268,475
87 165,155,261 1,200,498 4,299,502
88 160,855,759 1,169,245 4,330,755
89 156,525,005 1,137,765 4,362,235
90 152,162,770 1,106,057 4,393,943
91 147,768,827 1,074,118 4,425,882
92 143,342,945 1,041,946 4,458,054
93 138,884,891 1,009,541 4,490,459
94 134,394,432 976,900 4,523,100
95 129,871,332 944,022 4,555,978
96 125,315,355 910,905 4,589,095
97 120,726,260 877,548 4,622,452
98 116,103,808 843,948 4,656,052
99 111,447,756 810,103 4,689,897
100 106,757,859 776,013 4,723,987
101 102,033,872 741,675 4,758,325
102 97,275,546 707,087 4,792,913
103 92,482,633 672,248 4,827,752
104 87,654,881 637,155 4,862,845
105 82,792,036 601,807 4,898,193
106 77,893,843 566,203 4,933,797
107 72,960,046 530,340 4,969,660
108 67,990,386 494,216 5,005,784
109 62,984,602 457,829 5,042,171
110 57,942,431 421,178 5,078,822
111 52,863,609 384,261 5,115,739
112 47,747,869 347,075 5,152,925
113 42,594,944 309,619 5,190,381
114 37,404,563 271,890 5,228,110
 115 32,176,453 233,888 5,266,112
116 26,910,340 195,609 5,304,391
117 21,605,949 157,052 5,342,948
118 16,263,001 118,214 5,381,786
119 10,881,215 79,095 5,420,905
120 5,460,310 39,690 5,460,310
220,632,150 439,367,850

Suponga que usted tiene un crédito de libre inversión con el banco que le ofrezca la mejor tasa de interés (Consu
cuota de $1.200.000, donde en el mes 12 y en mes 28 usted abona 1.000.000 en cada período mencionado y ter
amortización

tasa 13.43% 1.06%

n Saldo inicial Interés Capital o amort

0
1 54,763,071 578,114 621,886
2 54,141,185 571,549 628,451
3 53,512,734 564,915 635,085
4 52,877,649 558,210 641,790
5 52,235,859 551,435 648,565
6 51,587,294 544,589 655,411
7 50,931,883 537,670 662,330
8 50,269,553 530,678 669,322
9 49,600,230 523,612 676,388
10 48,923,842 516,472 683,528
11 48,240,314 509,256 690,744
12 47,549,569 501,964 1,698,036
13 45,851,533 484,038 715,962
14 45,135,571 476,480 723,520
15 44,412,051 468,842 731,158
16 43,680,894 461,124 738,876
17 42,942,017 453,324 746,676
18 42,195,341 445,441 754,559
19 41,440,782 437,476 762,524
20 40,678,257 429,426 770,574
21 39,907,683 421,291 778,709
22 39,128,974 413,071 786,929
23 38,342,045 404,763 795,237
24 37,546,808 396,368 803,632
25 36,743,176 387,885 812,115
 26 35,931,061 379,311 820,689
27 35,110,372 370,648 829,352
28 34,281,020 361,892 1,838,108
29 32,442,912 342,488 857,512
30 31,585,401 333,436 866,564
31 30,718,836 324,288 875,712
32 29,843,124 315,043 884,957
33 28,958,167 305,701 894,299
34 28,063,868 296,260 903,740
35 27,160,129 286,720 913,280
36 26,246,848 277,079 922,921
37 25,323,927 267,336 932,664
38 24,391,263 257,490 942,510
39 23,448,752 247,540 952,460
40 22,496,292 237,485 962,515
41 21,533,778 227,324 972,676
42 20,561,102 217,056 982,944
43 19,578,158 206,680 993,320
44 18,584,838 196,193 1,003,807
45 17,581,032 185,597 1,014,403
46 16,566,628 174,888 1,025,112
47 15,541,516 164,066 1,035,934
48 14,505,582 153,130 1,046,870
49 13,458,713 142,079 1,057,921
50 12,400,791 130,911 1,069,089
51 11,331,702 119,625 1,080,375
52 10,251,327 108,220 1,091,780
53 9,159,546 96,694 1,103,306
54 8,056,241 85,047 1,114,953
55 6,941,287 73,277 1,126,723
56 5,814,564 61,382 1,138,618
57 4,675,946 49,362 1,150,638
58 3,525,309 37,215 1,162,785
59 2,362,524 24,940 1,175,060
60 1,187,464 12,536 1,187,464
19,236,929

Suponga que usted tiene una tarjeta de crédito con el banco que le ofrezca la mejor tasas (Consulte la tasa en la
años y medio. ¿Cuál es su cuota mensual actual?. Ahora bien otro banco le ofrece comprarle la cartera a una tasa
tabla de amortización para los dos casos e indique el valor total de los intereses para cada caso y el ahorro total s
 VP 65,000,000
19.34% EA 1.48% mensual
pago $ 2,700,525.26

n Saldo inicial Interés Capital o amort

0
1 65,000,000 964,791 1,735,734
2 63,264,266 939,028 1,761,497
3 61,502,769 912,882 1,787,643
4 59,715,126 886,348 1,814,177
5 57,900,948 859,420 1,841,105
6 56,059,844 832,093 1,868,432
7 54,191,411 804,360 1,896,165
8 52,295,246 776,215 1,924,310
9 50,370,936 747,653 1,952,872
10 48,418,064 718,667 1,981,859
11 46,436,205 689,250 2,011,275
12 44,424,930 659,397 2,041,129
13 42,383,802 629,100 2,071,425
14 40,312,377 598,354 2,102,171
15 38,210,206 567,152 2,133,373
16 36,076,832 535,486 2,165,039
17 33,911,793 503,351 2,197,174
18 31,714,619 470,738 2,229,787
19 29,484,832 437,642 2,262,884
20 27,221,948 404,054 2,296,471
21 24,925,477 369,967 2,330,558
22 22,594,919 335,375 2,365,150
23 20,229,769 300,269 2,400,256
24 17,829,513 264,642 2,435,883
25 15,393,630 228,487 2,472,038
26 12,921,592 191,794 2,508,731
27 10,412,861 154,558 2,545,968
28 7,866,893 116,768 2,583,757
29 5,283,136 78,417 2,622,108
30 2,661,028 39,497 2,661,028
16,015,758
 EJERCICIOS AMORTIZACIONES

a cuota mensual del crédito es de 5.500.000 durante 10 años a la tasa del mejor banco (Consulte en la página de tarifas de la
truya la tabla de amortización.

meses
mensual

3,661,399

Amortización Fija
cuota - int

Cuota Saldo Final n Saldo inicial Interés Capital o amort

439,367,850 0
5,500,000 437,061,573 1 439,367,850 3,193,723 3,661,399
5,500,000 434,738,532 2 435,706,451 3,167,109 3,661,399
5,500,000 432,398,606 3 432,045,052 3,140,495 3,661,399
5,500,000 430,041,670 4 428,383,653 3,113,880 3,661,399
5,500,000 427,667,602 5 424,722,255 3,087,266 3,661,399
5,500,000 425,276,278 6 421,060,856 3,060,652 3,661,399
5,500,000 422,867,571 7 417,399,457 3,034,037 3,661,399
5,500,000 420,441,355 8 413,738,058 3,007,423 3,661,399
5,500,000 417,997,504 9 410,076,660 2,980,808 3,661,399
5,500,000 415,535,888 10 406,415,261 2,954,194 3,661,399
5,500,000 413,056,379 11 402,753,862 2,927,580 3,661,399
5,500,000 410,558,847 12 399,092,463 2,900,965 3,661,399
5,500,000 408,043,160 13 395,431,065 2,874,351 3,661,399
5,500,000 405,509,188 14 391,769,666 2,847,737 3,661,399
5,500,000 402,956,796 15 388,108,267 2,821,122 3,661,399
5,500,000 400,385,850 16 384,446,868 2,794,508 3,661,399
5,500,000 397,796,217 17 380,785,470 2,767,894 3,661,399
5,500,000 395,187,761 18 377,124,071 2,741,279 3,661,399
5,500,000 392,560,343 19 373,462,672 2,714,665 3,661,399
5,500,000 389,913,827 20 369,801,273 2,688,051 3,661,399
5,500,000 387,248,074 21 366,139,875 2,661,436 3,661,399
5,500,000 384,562,943 22 362,478,476 2,634,822 3,661,399
5,500,000 381,858,295 23 358,817,077 2,608,207 3,661,399
5,500,000 379,133,987 24 355,155,678 2,581,593 3,661,399
5,500,000 376,389,876 25 351,494,280 2,554,979 3,661,399
5,500,000 373,625,819 26 347,832,881 2,528,364 3,661,399
5,500,000 370,841,669 27 344,171,482 2,501,750 3,661,399
5,500,000 368,037,282 28 340,510,083 2,475,136 3,661,399
5,500,000 365,212,511 29 336,848,685 2,448,521 3,661,399
5,500,000 362,367,206 30 333,187,286 2,421,907 3,661,399
5,500,000 359,501,219 31 329,525,887 2,395,293 3,661,399
5,500,000 356,614,399 32 325,864,488 2,368,678 3,661,399
5,500,000 353,706,596 33 322,203,090 2,342,064 3,661,399
5,500,000 350,777,655 34 318,541,691 2,315,449 3,661,399
5,500,000 347,827,425 35 314,880,292 2,288,835 3,661,399
5,500,000 344,855,750 36 311,218,893 2,262,221 3,661,399
5,500,000 341,862,474 37 307,557,495 2,235,606 3,661,399
5,500,000 338,847,440 38 303,896,096 2,208,992 3,661,399
5,500,000 335,810,490 39 300,234,697 2,182,378 3,661,399
5,500,000 332,751,464 40 296,573,298 2,155,763 3,661,399
5,500,000 329,670,203 41 292,911,900 2,129,149 3,661,399
5,500,000 326,566,545 42 289,250,501 2,102,535 3,661,399
5,500,000 323,440,326 43 285,589,102 2,075,920 3,661,399
5,500,000 320,291,383 44 281,927,704 2,049,306 3,661,399
5,500,000 317,119,551 45 278,266,305 2,022,691 3,661,399
5,500,000 313,924,663 46 274,604,906 1,996,077 3,661,399
5,500,000 310,706,552 47 270,943,507 1,969,463 3,661,399
5,500,000 307,465,048 48 267,282,109 1,942,848 3,661,399
5,500,000 304,199,983 49 263,620,710 1,916,234 3,661,399
5,500,000 300,911,184 50 259,959,311 1,889,620 3,661,399
5,500,000 297,598,479 51 256,297,912 1,863,005 3,661,399
5,500,000 294,261,694 52 252,636,514 1,836,391 3,661,399
5,500,000 290,900,654 53 248,975,115 1,809,777 3,661,399
5,500,000 287,515,184 54 245,313,716 1,783,162 3,661,399
5,500,000 284,105,104 55 241,652,317 1,756,548 3,661,399
5,500,000 280,670,238 56 237,990,919 1,729,933 3,661,399
5,500,000 277,210,403 57 234,329,520 1,703,319 3,661,399
5,500,000 273,725,419 58 230,668,121 1,676,705 3,661,399
5,500,000 270,215,103 59 227,006,722 1,650,090 3,661,399
5,500,000 266,679,271 60 223,345,324 1,623,476 3,661,399
5,500,000 263,117,738 61 219,683,925 1,596,862 3,661,399
5,500,000 259,530,316 62 216,022,526 1,570,247 3,661,399
5,500,000 255,916,817 63 212,361,127 1,543,633 3,661,399
5,500,000 252,277,052 64 208,699,729 1,517,019 3,661,399
5,500,000 248,610,830 65 205,038,330 1,490,404 3,661,399
5,500,000 244,917,959 66 201,376,931 1,463,790 3,661,399
5,500,000 241,198,245 67 197,715,532 1,437,176 3,661,399
5,500,000 237,451,492 68 194,054,134 1,410,561 3,661,399
5,500,000 233,677,504 69 190,392,735 1,383,947 3,661,399
5,500,000 229,876,084 70 186,731,336 1,357,332 3,661,399
5,500,000 226,047,031 71 183,069,937 1,330,718 3,661,399
5,500,000 222,190,146 72 179,408,539 1,304,104 3,661,399
5,500,000 218,305,225 73 175,747,140 1,277,489 3,661,399
5,500,000 214,392,065 74 172,085,741 1,250,875 3,661,399
5,500,000 210,450,461 75 168,424,342 1,224,261 3,661,399
5,500,000 206,480,205 76 164,762,944 1,197,646 3,661,399
5,500,000 202,481,090 77 161,101,545 1,171,032 3,661,399
5,500,000 198,452,906 78 157,440,146 1,144,418 3,661,399
5,500,000 194,395,442 79 153,778,747 1,117,803 3,661,399
5,500,000 190,308,484 80 150,117,349 1,091,189 3,661,399
5,500,000 186,191,818 81 146,455,950 1,064,574 3,661,399
5,500,000 182,045,229 82 142,794,551 1,037,960 3,661,399
5,500,000 177,868,499 83 139,133,152 1,011,346 3,661,399
5,500,000 173,661,408 84 135,471,754 984,731 3,661,399
5,500,000 169,423,736 85 131,810,355 958,117 3,661,399
5,500,000 165,155,261 86 128,148,956 931,503 3,661,399
5,500,000 160,855,759 87 124,487,557 904,888 3,661,399
5,500,000 156,525,005 88 120,826,159 878,274 3,661,399
5,500,000 152,162,770 89 117,164,760 851,660 3,661,399
5,500,000 147,768,827 90 113,503,361 825,045 3,661,399
5,500,000 143,342,945 91 109,841,962 798,431 3,661,399
5,500,000 138,884,891 92 106,180,564 771,816 3,661,399
5,500,000 134,394,432 93 102,519,165 745,202 3,661,399
5,500,000 129,871,332 94 98,857,766 718,588 3,661,399
5,500,000 125,315,355 95 95,196,367 691,973 3,661,399
5,500,000 120,726,260 96 91,534,969 665,359 3,661,399
5,500,000 116,103,808 97 87,873,570 638,745 3,661,399
5,500,000 111,447,756 98 84,212,171 612,130 3,661,399
5,500,000 106,757,859 99 80,550,772 585,516 3,661,399
5,500,000 102,033,872 100 76,889,374 558,902 3,661,399
5,500,000 97,275,546 101 73,227,975 532,287 3,661,399
5,500,000 92,482,633 102 69,566,576 505,673 3,661,399
5,500,000 87,654,881 103 65,905,177 479,059 3,661,399
5,500,000 82,792,036 104 62,243,779 452,444 3,661,399
5,500,000 77,893,843 105 58,582,380 425,830 3,661,399
5,500,000 72,960,046 106 54,920,981 399,215 3,661,399
5,500,000 67,990,386 107 51,259,582 372,601 3,661,399
5,500,000 62,984,602 108 47,598,184 345,987 3,661,399
5,500,000 57,942,431 109 43,936,785 319,372 3,661,399
5,500,000 52,863,609 110 40,275,386 292,758 3,661,399
5,500,000 47,747,869 111 36,613,987 266,144 3,661,399
5,500,000 42,594,944 112 32,952,589 239,529 3,661,399
5,500,000 37,404,563 113 29,291,190 212,915 3,661,399
5,500,000 32,176,453 114 25,629,791 186,301 3,661,399
 5,500,000 26,910,340 115 21,968,392 159,686 3,661,399
5,500,000 21,605,949 116 18,306,994 133,072 3,661,399
5,500,000 16,263,001 117 14,645,595 106,457 3,661,399
5,500,000 10,881,215 118 10,984,196 79,843 3,661,399
5,500,000 5,460,310 119 7,322,797 53,229 3,661,399
5,500,000 0 120 3,661,399 26,614 3,661,399
660,000,000 193,220,264
1.50 27,411,886

ofrezca la mejor tasa de interés (Consulte la tasa en la página de tarifas de la Superfinanciera), donde de manera mensual debe pagar una
000 en cada período mencionado y termina de pagar el crédito en 5 años, ¿Cuál fue valor que pidió prestado? Construya una tabla de

mensual 1800 1,200,000

Cuota Saldo Final n Saldo inicial Interés Capital o amort

54,763,071 0
1,200,000 54,141,185 1 54,763,071 578,114 621,886
1,200,000 53,512,734 2 54,141,185 571,549 628,451
1,200,000 52,877,649 3 53,512,734 564,915 635,085
1,200,000 52,235,859 4 52,877,649 558,210 641,790
1,200,000 51,587,294 5 52,235,859 551,435 648,565
1,200,000 50,931,883 6 51,587,294 544,589 655,411
1,200,000 50,269,553 7 50,931,883 537,670 662,330
1,200,000 49,600,230 8 50,269,553 530,678 669,322
1,200,000 48,923,842 9 49,600,230 523,612 676,388
1,200,000 48,240,314 10 48,923,842 516,472 683,528
1,200,000 47,549,569 11 48,240,314 509,256 690,744
2,200,000 45,851,533 12 47,549,569 501,964 698,036
1,200,000 45,135,571 13 46,851,533 494,595 705,405
1,200,000 44,412,051 14 46,146,128 487,148 712,852
1,200,000 43,680,894 15 45,433,276 479,623 720,377
1,200,000 42,942,017 16 44,712,899 472,018 727,982
1,200,000 42,195,341 17 43,984,917 464,333 735,667
1,200,000 41,440,782 18 43,249,250 456,567 743,433
1,200,000 40,678,257 19 42,505,817 448,719 751,281
1,200,000 39,907,683 20 41,754,536 440,788 759,212
1,200,000 39,128,974 21 40,995,323 432,773 767,227
1,200,000 38,342,045 22 40,228,096 424,674 775,326
1,200,000 37,546,808 23 39,452,770 416,489 783,511
1,200,000 36,743,176 24 38,669,259 408,218 791,782
1,200,000 35,931,061 25 37,877,476 399,859 800,141
 1,200,000 35,110,372 26 37,077,335 391,412 808,588
1,200,000 34,281,020 27 36,268,747 382,876 817,124
2,200,000 32,442,912 28 35,451,624 374,250 825,750
1,200,000 31,585,401 29 34,625,874 365,533 834,467
1,200,000 30,718,836 30 33,791,407 356,724 843,276
1,200,000 29,843,124 31 32,948,131 347,822 852,178
1,200,000 28,958,167 32 32,095,952 338,825 861,175
1,200,000 28,063,868 33 31,234,778 329,734 870,266
1,200,000 27,160,129 34 30,364,512 320,547 879,453
1,200,000 26,246,848 35 29,485,059 311,263 888,737
1,200,000 25,323,927 36 28,596,323 301,881 898,119
1,200,000 24,391,263 37 27,698,204 292,400 907,600
1,200,000 23,448,752 38 26,790,604 282,819 917,181
1,200,000 22,496,292 39 25,873,423 273,136 926,864
1,200,000 21,533,778 40 24,946,559 263,352 936,648
1,200,000 20,561,102 41 24,009,911 253,464 946,536
1,200,000 19,578,158 42 23,063,375 243,472 956,528
1,200,000 18,584,838 43 22,106,847 233,374 966,626
1,200,000 17,581,032 44 21,140,221 223,170 976,830
1,200,000 16,566,628 45 20,163,391 212,858 987,142
1,200,000 15,541,516 46 19,176,248 202,437 997,563
1,200,000 14,505,582 47 18,178,685 191,906 1,008,094
1,200,000 13,458,713 48 17,170,591 181,264 1,018,736
1,200,000 12,400,791 49 16,151,855 170,509 1,029,491
1,200,000 11,331,702 50 15,122,364 159,641 1,040,359
1,200,000 10,251,327 51 14,082,006 148,659 1,051,341
1,200,000 9,159,546 52 13,030,664 137,560 1,062,440
1,200,000 8,056,241 53 11,968,224 126,344 1,073,656
1,200,000 6,941,287 54 10,894,569 115,010 1,084,990
1,200,000 5,814,564 55 9,809,579 103,556 1,096,444
1,200,000 4,675,946 56 8,713,135 91,981 1,108,019
1,200,000 3,525,309 57 7,605,116 80,284 1,119,716
1,200,000 2,362,524 58 6,485,401 68,464 1,131,536
1,200,000 1,187,464 59 5,353,865 56,519 1,143,481
1,200,000 - 0 60 4,210,384 44,448 1,155,552
61 3,054,831 32,249 1,167,751
62 1,887,080 19,921 1,180,079

63 707,001 7,464 1,192,536

20,351,394 1,114,465

a la mejor tasas (Consulte la tasa en la página de tarifas de la Superfinanciera), y el saldo a la fecha es de 65 millones de pesos y usted pag
e ofrece comprarle la cartera a una tasa del 10%NMV, suponga que al mismo plazo. ¿Cuál es sería la cuota mensual que tendría que pagar
reses para cada caso y el ahorro total si realiza la compra de cartera.
 65,000,000
10% NMV 0.833% mensual
pago $ 2,457,741.66

Cuota Saldo Final n Saldo inicial Interés Capital o amort

65,000,000 0
$ 2,700,525.26 63,264,266 1 65,000,000 541,667 1,916,075
$ 2,700,525.26 61,502,769 2 63,083,925 525,699 1,932,042
$ 2,700,525.26 59,715,126 3 61,151,883 509,599 1,948,143
$ 2,700,525.26 57,900,948 4 59,203,740 493,365 1,964,377
$ 2,700,525.26 56,059,844 5 57,239,363 476,995 1,980,747
$ 2,700,525.26 54,191,411 6 55,258,616 460,488 1,997,253
$ 2,700,525.26 52,295,246 7 53,261,363 443,845 2,013,897
$ 2,700,525.26 50,370,936 8 51,247,466 427,062 2,030,679
$ 2,700,525.26 48,418,064 9 49,216,786 410,140 2,047,602
$ 2,700,525.26 46,436,205 10 47,169,185 393,077 2,064,665
$ 2,700,525.26 44,424,930 11 45,104,519 375,871 2,081,871
$ 2,700,525.26 42,383,802 12 43,022,649 358,522 2,099,220
$ 2,700,525.26 40,312,377 13 40,923,429 341,029 2,116,713
$ 2,700,525.26 38,210,206 14 38,806,716 323,389 2,134,352
$ 2,700,525.26 36,076,832 15 36,672,364 305,603 2,152,139
$ 2,700,525.26 33,911,793 16 34,520,225 287,669 2,170,073
$ 2,700,525.26 31,714,619 17 32,350,152 269,585 2,188,157
$ 2,700,525.26 29,484,832 18 30,161,995 251,350 2,206,392
$ 2,700,525.26 27,221,948 19 27,955,603 232,963 2,224,778
$ 2,700,525.26 24,925,477 20 25,730,825 214,424 2,243,318
$ 2,700,525.26 22,594,919 21 23,487,507 195,729 2,262,012
$ 2,700,525.26 20,229,769 22 21,225,494 176,879 2,280,863
$ 2,700,525.26 17,829,513 23 18,944,632 157,872 2,299,870
$ 2,700,525.26 15,393,630 24 16,644,762 138,706 2,319,035
$ 2,700,525.26 12,921,592 25 14,325,727 119,381 2,338,361
$ 2,700,525.26 10,412,861 26 11,987,366 99,895 2,357,847
$ 2,700,525.26 7,866,893 27 9,629,519 80,246 2,377,496
$ 2,700,525.26 5,283,136 28 7,252,024 60,434 2,397,308
$ 2,700,525.26 2,661,028 29 4,854,715 40,456 2,417,286
$ 2,700,525.26 - 0 30 2,437,430 20,312 2,437,430
8,732,250
 tarifas de la

amortización
mensual

ortización Fija
capital + int

Cuota Saldo Final

439,367,850
6,855,122 435,706,451
6,828,508 432,045,052
6,801,893 428,383,653
6,775,279 424,722,255
6,748,665 421,060,856
6,722,050 417,399,457
6,695,436 413,738,058
6,668,822 410,076,660
6,642,207 406,415,261
6,615,593 402,753,862
6,588,979 399,092,463
6,562,364 395,431,065
6,535,750 391,769,666
6,509,135 388,108,267
6,482,521 384,446,868
6,455,907 380,785,470
6,429,292 377,124,071
6,402,678 373,462,672
6,376,064 369,801,273
6,349,449 366,139,875
6,322,835 362,478,476
6,296,221 358,817,077
6,269,606 355,155,678
6,242,992 351,494,280
6,216,377 347,832,881
6,189,763 344,171,482
6,163,149 340,510,083
6,136,534 336,848,685
6,109,920 333,187,286
6,083,306 329,525,887
6,056,691 325,864,488
6,030,077 322,203,090
6,003,463 318,541,691
5,976,848 314,880,292
5,950,234 311,218,893
5,923,619 307,557,495
5,897,005 303,896,096
5,870,391 300,234,697
5,843,776 296,573,298
5,817,162 292,911,900
5,790,548 289,250,501
5,763,933 285,589,102
5,737,319 281,927,704
5,710,705 278,266,305
5,684,090 274,604,906
5,657,476 270,943,507
5,630,861 267,282,109
5,604,247 263,620,710
5,577,633 259,959,311
5,551,018 256,297,912
5,524,404 252,636,514
5,497,790 248,975,115
5,471,175 245,313,716
5,444,561 241,652,317
5,417,947 237,990,919
5,391,332 234,329,520
5,364,718 230,668,121
5,338,104 227,006,722
5,311,489 223,345,324
5,284,875 219,683,925
5,258,260 216,022,526
5,231,646 212,361,127
5,205,032 208,699,729
5,178,417 205,038,330
5,151,803 201,376,931
5,125,189 197,715,532
5,098,574 194,054,134
5,071,960 190,392,735
5,045,346 186,731,336
5,018,731 183,069,937
4,992,117 179,408,539
4,965,502 175,747,140
4,938,888 172,085,741
4,912,274 168,424,342
4,885,659 164,762,944
4,859,045 161,101,545
4,832,431 157,440,146
4,805,816 153,778,747
4,779,202 150,117,349
4,752,588 146,455,950
4,725,973 142,794,551
4,699,359 139,133,152
4,672,744 135,471,754
4,646,130 131,810,355
4,619,516 128,148,956
4,592,901 124,487,557
4,566,287 120,826,159
4,539,673 117,164,760
4,513,058 113,503,361
4,486,444 109,841,962
4,459,830 106,180,564
4,433,215 102,519,165
4,406,601 98,857,766
4,379,987 95,196,367
4,353,372 91,534,969
4,326,758 87,873,570
4,300,143 84,212,171
4,273,529 80,550,772
4,246,915 76,889,374
4,220,300 73,227,975
4,193,686 69,566,576
4,167,072 65,905,177
4,140,457 62,243,779
4,113,843 58,582,380
4,087,229 54,920,981
4,060,614 51,259,582
4,034,000 47,598,184
4,007,385 43,936,785
3,980,771 40,275,386
3,954,157 36,613,987
3,927,542 32,952,589
3,900,928 29,291,190
3,874,314 25,629,791
3,847,699 21,968,392
 3,821,085 18,306,994
3,794,471 14,645,595
3,767,856 10,984,196
3,741,242 7,322,797
3,714,627 3,661,399
3,688,013 0

a mensual debe pagar una

onstruya una tabla de

Cuota Saldo Final

54,763,071
1,200,000 54,141,185
1,200,000 53,512,734
1,200,000 52,877,649
1,200,000 52,235,859
1,200,000 51,587,294
1,200,000 50,931,883
1,200,000 50,269,553
1,200,000 49,600,230
1,200,000 48,923,842
1,200,000 48,240,314
1,200,000 47,549,569
1,200,000 46,851,533
1,200,000 46,146,128
1,200,000 45,433,276
1,200,000 44,712,899
1,200,000 43,984,917
1,200,000 43,249,250
1,200,000 42,505,817
1,200,000 41,754,536
1,200,000 40,995,323
1,200,000 40,228,096
1,200,000 39,452,770
1,200,000 38,669,259
1,200,000 37,877,476
1,200,000 37,077,335
 1,200,000 36,268,747
1,200,000 35,451,624
1,200,000 34,625,874
1,200,000 33,791,407
1,200,000 32,948,131
1,200,000 32,095,952
1,200,000 31,234,778
1,200,000 30,364,512
1,200,000 29,485,059
1,200,000 28,596,323
1,200,000 27,698,204
1,200,000 26,790,604
1,200,000 25,873,423
1,200,000 24,946,559
1,200,000 24,009,911
1,200,000 23,063,375
1,200,000 22,106,847
1,200,000 21,140,221
1,200,000 20,163,391
1,200,000 19,176,248
1,200,000 18,178,685
1,200,000 17,170,591
1,200,000 16,151,855
1,200,000 15,122,364
1,200,000 14,082,006
1,200,000 13,030,664
1,200,000 11,968,224
1,200,000 10,894,569
1,200,000 9,809,579
1,200,000 8,713,135
1,200,000 7,605,116
1,200,000 6,485,401
1,200,000 5,353,865
1,200,000 4,210,384
1,200,000 3,054,831
1,200,000 1,887,080
1,200,000 707,001

1,200,000 - 485,535

ones de pesos y usted pagará este valor en 2

ual que tendría que pagar?. Construya la
Cuota Saldo Final
65,000,000
$ 2,457,741.66 63,083,925
$ 2,457,741.66 61,151,883
$ 2,457,741.66 59,203,740
$ 2,457,741.66 57,239,363
$ 2,457,741.66 55,258,616
$ 2,457,741.66 53,261,363
$ 2,457,741.66 51,247,466
$ 2,457,741.66 49,216,786
$ 2,457,741.66 47,169,185
$ 2,457,741.66 45,104,519
$ 2,457,741.66 43,022,649
$ 2,457,741.66 40,923,429
$ 2,457,741.66 38,806,716
$ 2,457,741.66 36,672,364
$ 2,457,741.66 34,520,225
$ 2,457,741.66 32,350,152
$ 2,457,741.66 30,161,995
$ 2,457,741.66 27,955,603
$ 2,457,741.66 25,730,825
$ 2,457,741.66 23,487,507
$ 2,457,741.66 21,225,494
$ 2,457,741.66 18,944,632
$ 2,457,741.66 16,644,762
$ 2,457,741.66 14,325,727
$ 2,457,741.66 11,987,366
$ 2,457,741.66 9,629,519
$ 2,457,741.66 7,252,024
$ 2,457,741.66 4,854,715
$ 2,457,741.66 2,437,430
$ 2,457,741.66 -
7,283,508