METODO ALEMAN

P 100,000
n 4 CUOTAS TRIMESTRAL
TET 10% TASA EFECTIVA TRIMESTRAL

Amortización P/n 25000

n SALDO AMORTIZACION INTERES

1 100,000 25000 10000
2 75,000 25000 7500
3 50,000 25000 5000
4 25000 25000 2500
TOTAL 100000 25000
CUOTA
35000
32500
30000
27500
125000
METODO ALEMAN

P 100000
n 4 CUOTAS TRIMESTRAL
TET 15% TASA EFECTIVA TRIMESTRAL

n SALDO AMORTIZACION INTERES CUOTA

1 100000 25000 15000 40000
2 75000 25000 11250 36250
3 50000 25000 7500 32500
4 25000 25000 3750 28750
TOTAL 100000 37500 137500
METODO AMERICANO

P 100000
n 4 CUOTAS TRIMESTRAL
TET 10% TASA EFECTIVA TRIMESTRAL

n SALDO AMORTIZACION INTERES CUOTA

1 100000 0 10000 10000
2 100000 0 10000 10000
3 100000 0 10000 10000
4 100000 100000 10000 110000
TOTAL 100000 40000 140000
METODO AMERICANO

P 120000
n 4 CUOTAS TRIMESTRAL
TET 15% TASA EFECTIVA TRIMESTRAL

n SALDO AMORTIZACION INTERES CUOTA

1 120000 0 18000 18000
2 120000 0 18000 18000
3 120000 0 18000 18000
4 120000 120000 18000 138000
TOTAL 120000 72000 192000
TASA: 8%
PERIODO: 5
PRESTAMO: 1,452.00 Pago i= Monto inicial*i
1-(1+i)^-t

PERIODO PAGOS INTERESES AMORTIZACION DEUDA PENDIENTE

0 1,452.00
1 S/363.66 S/116.16 S/247.50 S/1,204.50
2 S/363.66 S/96.36 S/267.30 S/937.19
3 S/363.66 S/74.98 S/288.69 S/648.51
4 S/363.66 S/51.88 S/311.78 S/336.72
5 S/363.66 S/26.94 S/336.72 S/0.00
TOTALES S/1,818.31 S/366.31 S/1,452.00

i= Baja A= Sube

MONTO
COMPUESTO = S(1+i)^t 1.08 0

1568-1452 -1,452.00
 116.16 363.662772
0.3194168

-1,452.00