¿cómo pagar menos intereses por su

credito hipotecario?
CASO 1: CREDITO EN CONDICIONES
NORMALES

VALOR CREDITO 200,448  200,448.00

TASA DE INTÉRES 0.81% E.M 9.60%

PLAZO 180 MESES

CUOTA MENSUAL -$2,118.36

MES SALDO CUOTA INTERESES ABONO A

CAPITAL MENSUAL CAPITAL
0 200,448 0 - -
1 199,951 $2,118.36 1,622 497
2 199,451 $2,118.36 1,618 501
3 198,946 $2,118.36 1,614 505
4 198,437 $2,118.36 1,609 509
5 197,924 $2,118.36 1,605 513
6 197,407 $2,118.36 1,601 517
7 196,885 $2,118.36 1,597 521
8 196,360 $2,118.36 1,593 526
9 195,830 $2,118.36 1,589 530
10 195,296 $2,118.36 1,584 534
11 194,757 $2,118.36 1,580 538
12 194,215 $2,118.36 1,576 543
13 193,668 $2,118.36 1,571 547
14 193,116 $2,118.36 1,567 552
15 192,560 $2,118.36 1,562 556
16 191,999 $2,118.36 1,558 561
17 191,434 $2,118.36 1,553 565
18 190,865 $2,118.36 1,549 570
19 190,290 $2,118.36 1,544 574
20 189,711 $2,118.36 1,539 579
21 189,128 $2,118.36 1,535 584
22 188,540 $2,118.36 1,530 588
23 187,946 $2,118.36 1,525 593
24 187,349 $2,118.36 1,520 598
25 186,746 $2,118.36 1,516 603
26 186,138 $2,118.36 1,511 608
27 185,526 $2,118.36 1,506 613
28 184,908 $2,118.36 1,501 617
29 184,286 $2,118.36 1,496 622
30 183,658 $2,118.36 1,491 627
31 183,026 $2,118.36 1,486 633
32 182,388 $2,118.36 1,481 638
33 181,745 $2,118.36 1,476 643
34 181,097 $2,118.36 1,470 648
35 180,444 $2,118.36 1,465 653
36 179,785 $2,118.36 1,460 659
37 179,122 $2,118.36 1,454 664
38 178,452 $2,118.36 1,449 669
39 177,778 $2,118.36 1,444 675
40 177,097 $2,118.36 1,438 680
41 176,412 $2,118.36 1,433 686
42 175,721 $2,118.36 1,427 691
43 175,024 $2,118.36 1,422 697
44 174,321 $2,118.36 1,416 702
45 173,613 $2,118.36 1,410 708
46 172,899 $2,118.36 1,405 714
47 172,180 $2,118.36 1,399 720
48 171,454 $2,118.36 1,393 725
49 170,723 $2,118.36 1,387 731
50 169,986 $2,118.36 1,381 737
51 169,243 $2,118.36 1,375 743
52 168,494 $2,118.36 1,369 749
53 167,738 $2,118.36 1,363 755
54 166,977 $2,118.36 1,357 761
55 166,209 $2,118.36 1,351 768
56 165,436 $2,118.36 1,345 774
57 164,656 $2,118.36 1,338 780
58 163,869 $2,118.36 1,332 786
59 163,077 $2,118.36 1,326 793
60 162,278 $2,118.36 1,319 799
61 161,472 $2,118.36 1,313 806
62 160,660 $2,118.36 1,306 812
63 149,842 $12,118.36 1,300 10,819
64 148,935 $2,118.36 1,212 906
65 148,022 $2,118.36 1,205 913
66 137,101 $12,118.36 1,197 10,921
67 136,092 $2,118.36 1,109 1,009
68 135,074 $2,118.36 1,101 1,017
69 124,049 $12,118.36 1,093 11,026
70 122,934 $2,118.36 1,004 1,115
71 121,810 $2,118.36 995 1,124
72 110,677 $12,118.36 985 11,133
73 109,454 $2,118.36 895 1,223
74 108,221 $2,118.36 885 1,233
75 96,979 $12,118.36 876 11,243
76 95,645 $2,118.36 785 1,334
77 94,300 $2,118.36 774 1,345
78 82,945 $12,118.36 763 11,355
79 81,497 $2,118.36 671 1,447
80 80,038 $2,118.36 659 1,459
81 68,568 $12,118.36 648 11,471
82 67,004 $2,118.36 555 1,564
83 65,428 $2,118.36 542 1,576
84 53,839 $12,118.36 529 11,589
85 52,156 $2,118.36 436 1,683
86 50,459 $2,118.36 422 1,696
87 38,749 $12,118.36 408 11,710
88 36,944 $2,118.36 313 1,805
89 35,125 $2,118.36 299 1,819
90 23,291 $12,118.36 284 11,834
91 21,361 $2,118.36 188 1,930
92 19,415 $2,118.36 173 1,946
93 7,454 $12,118.36 157 11,961
94 5,396 $2,118.36 60 2,058
 95 3,321 $2,118.36 44 2,075
96 - 8,770 $12,118.36 27 12,091
97 - 10,960 $2,118.36 - 71 2,189
98 - 13,167 $2,118.36 - 89 2,207
99 - 25,392 $12,118.36 - 107 12,225
100 - 27,715 $2,118.36 - 205 2,324
101 - 30,058 $2,118.36 - 224 2,343
102 - 42,419 $12,118.36 - 243 12,362
103 - 44,881 $2,118.36 - 343 2,462
104 - 47,362 $2,118.36 - 363 2,481
105 - 59,864 $12,118.36 - 383 12,502
106 - 62,467 $2,118.36 - 484 2,603
107 - 65,090 $2,118.36 - 505 2,624
108 - 77,735 $12,118.36 - 527 12,645
109 - 80,483 $2,118.36 - 629 2,747
110 - 83,252 $2,118.36 - 651 2,769
111 - 96,044 $12,118.36 - 674 12,792
112 - 98,939 $2,118.36 - 777 2,895
113 - 101,858 $2,118.36 - 800 2,919
114 - 114,800 $12,118.36 - 824 12,942
115 - 117,847 $2,118.36 - 929 3,047
116 - 120,919 $2,118.36 - 953 3,072
117 - 134,016 $12,118.36 - 978 13,097
118 - 137,218 $2,118.36 - 1,084 3,203
119 - 140,447 $2,118.36 - 1,110 3,228
120 - 153,701 $12,118.36 - 1,136 13,255
121 - 157,063 $2,118.36 - 1,243 3,362
122 - 160,452 $2,118.36 - 1,271 3,389
123 - 173,869 $12,118.36 - 1,298 13,416
124 - 177,394 $2,118.36 - 1,407 3,525
125 - 180,947 $2,118.36 - 1,435 3,553
126 - 194,529 $12,118.36 - 1,464 13,582
127 - 198,221 $2,118.36 - 1,574 3,692
128 - 201,943 $2,118.36 - 1,604 3,722
129 - 215,695 $12,118.36 - 1,634 13,752
130 - 219,559 $2,118.36 - 1,745 3,863
131 - 223,453 $2,118.36 - 1,776 3,895
132 - 237,379 $12,118.36 - 1,808 13,926
133 - 241,418 $2,118.36 - 1,920 4,039
134 - 245,490 $2,118.36 - 1,953 4,071
135 - 259,594 $12,118.36 - 1,986 14,104
136 - 263,812 $2,118.36 - 2,100 4,218
137 - 268,065 $2,118.36 - 2,134 4,253
138 - 282,352 $12,118.36 - 2,169 14,287
139 - 286,755 $2,118.36 - 2,284 4,403
140 - 291,193 $2,118.36 - 2,320 4,438
141 - 305,667 $12,118.36 - 2,356 14,474
142 - 310,258 $2,118.36 - 2,473 4,591
143 - 314,887 $2,118.36 - 2,510 4,628
144 - 329,552 $12,118.36 - 2,547 14,666
145 - 334,337 $2,118.36 - 2,666 4,784
146 - 339,160 $2,118.36 - 2,705 4,823
147 - 354,022 $12,118.36 - 2,744 14,862
148 - 359,004 $2,118.36 - 2,864 4,982
149 - 364,027 $2,118.36 - 2,904 5,023
150 - 379,091 $12,118.36 - 2,945 15,063
151 - 384,276 $2,118.36 - 3,067 5,185
152 - 389,503 $2,118.36 - 3,109 5,227
153 - 404,772 $12,118.36 - 3,151 15,269
154 - 410,165 $2,118.36 - 3,275 5,393
155 - 415,602 $2,118.36 - 3,318 5,437
156 - 431,082 $12,118.36 - 3,362 15,481
157 - 436,688 $2,118.36 - 3,487 5,606
158 - 442,339 $2,118.36 - 3,533 5,651
159 - 458,036 $12,118.36 - 3,579 15,697
160 - 463,860 $2,118.36 - 3,706 5,824
161 - 469,731 $2,118.36 - 3,753 5,871
162 - 485,650 $12,118.36 - 3,800 15,918
163 - 491,697 $2,118.36 - 3,929 6,047
164 - 497,793 $2,118.36 - 3,978 6,096
165 - 513,939 $12,118.36 - 4,027 16,146
166 - 520,215 $2,118.36 - 4,158 6,276
167 - 526,542 $2,118.36 - 4,209 6,327
168 - 542,920 $12,118.36 - 4,260 16,378
169 - 549,430 $2,118.36 - 4,392 6,511
170 - 555,994 $2,118.36 - 4,445 6,563
171 - 572,610 $12,118.36 - 4,498 16,616
172 - 579,361 $2,118.36 - 4,632 6,751
173 - 586,166 $2,118.36 - 4,687 6,805
174 - 603,026 $12,118.36 - 4,742 16,860
175 - 610,023 $2,118.36 - 4,878 6,997
176 - 617,077 $2,118.36 - 4,935 7,053
177 - 634,187 $12,118.36 - 4,992 17,111
178 - 641,436 $2,118.36 - 5,131 7,249
179 - 648,744 $2,118.36 - 5,189 7,308
180 - 666,110 $12,118.36 - 5,248 17,367
TOTAL 781,305 - 85,254 866,558
 Tasa de
interés mor
atorio:

anual 0.7668
28.50%
¿cómo pagar menos intereses por su
credito hipotecario?
CASO 2: BUSCAR UNA TASA DE
INTÉRES MAS BAJA

VALOR CREDITO 80,000,000

TASA DE INTÉRES 1.40% E.M
PLAZO 180 MESES
CUOTA MENSUAL -$1,219,881.67

SALDO CUOTA ABONO A

MES INTERESES
CAPITAL MENSUAL CAPITAL
0 80,000,000 0 - -
1 79,900,118 $1,219,881.67 1,120,000 99,882
2 79,798,838 $1,219,881.67 1,118,602 101,280
3 79,696,140 $1,219,881.67 1,117,184 102,698
4 79,592,005 $1,219,881.67 1,115,746 104,136
5 79,486,411 $1,219,881.67 1,114,288 105,594
6 79,379,339 $1,219,881.67 1,112,810 107,072
7 79,270,768 $1,219,881.67 1,111,311 108,571
8 79,160,677 $1,219,881.67 1,109,791 110,091
9 79,049,045 $1,219,881.67 1,108,249 111,632
10 78,935,850 $1,219,881.67 1,106,687 113,195
11 78,821,070 $1,219,881.67 1,105,102 114,780
12 78,704,684 $1,219,881.67 1,103,495 116,387
13 78,586,668 $1,219,881.67 1,101,866 118,016
14 78,466,999 $1,219,881.67 1,100,213 119,668
15 78,345,655 $1,219,881.67 1,098,538 121,344
16 78,222,613 $1,219,881.67 1,096,839 123,042
17 78,097,848 $1,219,881.67 1,095,117 124,765
18 77,971,336 $1,219,881.67 1,093,370 126,512
19 77,843,053 $1,219,881.67 1,091,599 128,283
20 77,712,974 $1,219,881.67 1,089,803 130,079
21 77,581,074 $1,219,881.67 1,087,982 131,900
22 77,447,328 $1,219,881.67 1,086,135 133,747
23 77,311,708 $1,219,881.67 1,084,263 135,619
24 77,174,191 $1,219,881.67 1,082,364 137,518
25 77,034,748 $1,219,881.67 1,080,439 139,443
26 76,893,352 $1,219,881.67 1,078,486 141,395
27 76,749,978 $1,219,881.67 1,076,507 143,375
28 76,604,596 $1,219,881.67 1,074,500 145,382
29 76,457,178 $1,219,881.67 1,072,464 147,417
30 76,307,697 $1,219,881.67 1,070,400 149,481
31 76,156,123 $1,219,881.67 1,068,308 151,574
32 76,002,427 $1,219,881.67 1,066,186 153,696
33 75,846,580 $1,219,881.67 1,064,034 155,848
34 75,688,550 $1,219,881.67 1,061,852 158,030
35 75,528,308 $1,219,881.67 1,059,640 160,242
36 75,365,823 $1,219,881.67 1,057,396 162,485
37 75,201,063 $1,219,881.67 1,055,122 164,760
38 75,033,996 $1,219,881.67 1,052,815 167,067
39 74,864,590 $1,219,881.67 1,050,476 169,406
40 74,692,813 $1,219,881.67 1,048,104 171,777
41 74,518,630 $1,219,881.67 1,045,699 174,182
42 74,342,010 $1,219,881.67 1,043,261 176,621
43 74,162,916 $1,219,881.67 1,040,788 179,094
44 73,981,315 $1,219,881.67 1,038,281 181,601
45 73,797,172 $1,219,881.67 1,035,738 184,143
46 73,610,451 $1,219,881.67 1,033,160 186,721
47 73,421,115 $1,219,881.67 1,030,546 189,335
48 73,229,129 $1,219,881.67 1,027,896 191,986
49 73,034,455 $1,219,881.67 1,025,208 194,674
50 72,837,056 $1,219,881.67 1,022,482 197,399
51 72,636,893 $1,219,881.67 1,019,719 200,163
52 72,433,928 $1,219,881.67 1,016,917 202,965
53 72,228,121 $1,219,881.67 1,014,075 205,807
54 72,019,433 $1,219,881.67 1,011,194 208,688
55 71,807,824 $1,219,881.67 1,008,272 211,610
56 71,593,252 $1,219,881.67 1,005,310 214,572
57 71,375,676 $1,219,881.67 1,002,306 217,576
58 71,155,053 $1,219,881.67 999,259 220,622
59 70,931,342 $1,219,881.67 996,171 223,711
60 70,704,499 $1,219,881.67 993,039 226,843
61 70,474,481 $1,219,881.67 989,863 230,019
62 70,241,242 $1,219,881.67 986,643 233,239
63 70,004,738 $1,219,881.67 983,377 236,504
64 69,764,922 $1,219,881.67 980,066 239,815
65 69,521,749 $1,219,881.67 976,709 243,173
66 69,275,172 $1,219,881.67 973,304 246,577
67 69,025,143 $1,219,881.67 969,852 250,029
68 68,771,613 $1,219,881.67 966,352 253,530
69 68,514,534 $1,219,881.67 962,803 257,079
70 68,253,856 $1,219,881.67 959,203 260,678
71 67,989,528 $1,219,881.67 955,554 264,328
72 67,721,500 $1,219,881.67 951,853 268,028
73 67,449,719 $1,219,881.67 948,101 271,781
74 67,174,134 $1,219,881.67 944,296 275,586
75 66,894,690 $1,219,881.67 940,438 279,444
76 66,611,334 $1,219,881.67 936,526 283,356
77 66,324,011 $1,219,881.67 932,559 287,323
78 66,032,666 $1,219,881.67 928,536 291,346
79 65,737,241 $1,219,881.67 924,457 295,424
80 65,437,681 $1,219,881.67 920,321 299,560
81 65,133,927 $1,219,881.67 916,128 303,754
82 64,825,920 $1,219,881.67 911,875 308,007
83 64,513,601 $1,219,881.67 907,563 312,319
84 64,196,910 $1,219,881.67 903,190 316,691
85 63,875,785 $1,219,881.67 898,757 321,125
86 63,550,164 $1,219,881.67 894,261 325,621
87 63,219,985 $1,219,881.67 889,702 330,179
88 62,885,183 $1,219,881.67 885,080 334,802
89 62,545,694 $1,219,881.67 880,393 339,489
90 62,201,452 $1,219,881.67 875,640 344,242
91 61,852,391 $1,219,881.67 870,820 349,061
92 61,498,442 $1,219,881.67 865,933 353,948
93 61,139,539 $1,219,881.67 860,978 358,903
94 60,775,611 $1,219,881.67 855,954 363,928
95 60,406,588 $1,219,881.67 850,859 369,023
 96 60,032,398 $1,219,881.67 845,692 374,189
97 59,652,970 $1,219,881.67 840,454 379,428
98 59,268,230 $1,219,881.67 835,142 384,740
99 58,878,104 $1,219,881.67 829,755 390,126
100 58,482,515 $1,219,881.67 824,293 395,588
101 58,081,389 $1,219,881.67 818,755 401,126
102 57,674,647 $1,219,881.67 813,139 406,742
103 57,262,210 $1,219,881.67 807,445 412,437
104 56,843,999 $1,219,881.67 801,671 418,211
105 56,419,934 $1,219,881.67 795,816 424,066
106 55,989,931 $1,219,881.67 789,879 430,003
107 55,553,909 $1,219,881.67 783,859 436,023
108 55,111,782 $1,219,881.67 777,755 442,127
109 54,663,465 $1,219,881.67 771,565 448,317
110 54,208,872 $1,219,881.67 765,289 454,593
111 53,747,914 $1,219,881.67 758,924 460,957
112 53,280,503 $1,219,881.67 752,471 467,411
113 52,806,549 $1,219,881.67 745,927 473,955
114 52,325,959 $1,219,881.67 739,292 480,590
115 51,838,640 $1,219,881.67 732,563 487,318
116 51,344,500 $1,219,881.67 725,741 494,141
117 50,843,441 $1,219,881.67 718,823 501,059
118 50,335,368 $1,219,881.67 711,808 508,073
119 49,820,181 $1,219,881.67 704,695 515,187
120 49,297,782 $1,219,881.67 697,483 522,399
121 48,768,069 $1,219,881.67 690,169 529,713
122 48,230,940 $1,219,881.67 682,753 537,129
123 47,686,292 $1,219,881.67 675,233 544,649
124 47,134,018 $1,219,881.67 667,608 552,274
125 46,574,013 $1,219,881.67 659,876 560,005
126 46,006,167 $1,219,881.67 652,036 567,845
127 45,430,372 $1,219,881.67 644,086 575,795
128 44,846,516 $1,219,881.67 636,025 583,856
129 44,254,485 $1,219,881.67 627,851 592,030
130 43,654,166 $1,219,881.67 619,563 600,319
131 43,045,443 $1,219,881.67 611,158 608,723
132 42,428,198 $1,219,881.67 602,636 617,245
133 41,802,311 $1,219,881.67 593,995 625,887
134 41,167,661 $1,219,881.67 585,232 634,649
135 40,524,127 $1,219,881.67 576,347 643,534
136 39,871,583 $1,219,881.67 567,338 652,544
137 39,209,903 $1,219,881.67 558,202 661,680
138 38,538,960 $1,219,881.67 548,939 670,943
139 37,858,624 $1,219,881.67 539,545 680,336
140 37,168,763 $1,219,881.67 530,021 689,861
141 36,469,244 $1,219,881.67 520,363 699,519
142 35,759,932 $1,219,881.67 510,569 709,312
143 35,040,689 $1,219,881.67 500,639 719,243
144 34,311,377 $1,219,881.67 490,570 729,312
145 33,571,855 $1,219,881.67 480,359 739,522
146 32,821,979 $1,219,881.67 470,006 749,876
147 32,061,605 $1,219,881.67 459,508 760,374
148 31,290,586 $1,219,881.67 448,862 771,019
149 30,508,773 $1,219,881.67 438,068 781,813
150 29,716,014 $1,219,881.67 427,123 792,759
151 28,912,156 $1,219,881.67 416,024 803,857
152 28,097,045 $1,219,881.67 404,770 815,111
153 27,270,522 $1,219,881.67 393,359 826,523
154 26,432,427 $1,219,881.67 381,787 838,094
155 25,582,600 $1,219,881.67 370,054 849,828
156 24,720,875 $1,219,881.67 358,156 861,725
157 23,847,085 $1,219,881.67 346,092 873,789
158 22,961,063 $1,219,881.67 333,859 886,022
159 22,062,636 $1,219,881.67 321,455 898,427
160 21,151,631 $1,219,881.67 308,877 911,005
161 20,227,872 $1,219,881.67 296,123 923,759
162 19,291,181 $1,219,881.67 283,190 936,691
163 18,341,376 $1,219,881.67 270,077 949,805
164 17,378,273 $1,219,881.67 256,779 963,102
165 16,401,687 $1,219,881.67 243,296 976,586
166 15,411,429 $1,219,881.67 229,624 990,258
167 14,407,308 $1,219,881.67 215,760 1,004,122
168 13,389,128 $1,219,881.67 201,702 1,018,179
169 12,356,694 $1,219,881.67 187,448 1,032,434
170 11,309,806 $1,219,881.67 172,994 1,046,888
171 10,248,262 $1,219,881.67 158,337 1,061,544
172 9,171,856 $1,219,881.67 143,476 1,076,406
173 8,080,380 $1,219,881.67 128,406 1,091,476
174 6,973,624 $1,219,881.67 113,125 1,106,756
175 5,851,373 $1,219,881.67 97,631 1,122,251
176 4,713,411 $1,219,881.67 81,919 1,137,962
177 3,559,517 $1,219,881.67 65,988 1,153,894
178 2,389,468 $1,219,881.67 49,833 1,170,048
179 1,203,039 $1,219,881.67 33,453 1,186,429
180 - 0 $1,219,881.67 16,843 1,203,039
TOTAL 219,578,701 139,578,701 80,000,000
¿cómo pagar menos intereses por su
credito hipotecario?
CASO 3: DISMINUYA EL TIEMPO DE
PAGO

VALOR CREDITO 200,448

TASA DE INTÉRES 0.81% E.M
PLAZO 180 MESES
CUOTA MENSUAL -$2,119.82

SALDO CUOTA ABONO A

MES INTERESES
CAPITAL MENSUAL CAPITAL
0 200,448 0 - -
1 199,952 $2,119.82 1,624 496
2 199,452 $2,119.82 1,620 500
3 198,947 $2,119.82 1,616 504
4 198,439 $2,119.82 1,611 508
5 197,927 $2,119.82 1,607 512
6 197,410 $2,119.82 1,603 517
7 196,889 $2,119.82 1,599 521
8 196,364 $2,119.82 1,595 525
9 195,835 $2,119.82 1,591 529
10 195,301 $2,119.82 1,586 534
11 194,763 $2,119.82 1,582 538
12 194,221 $2,119.82 1,578 542
13 193,675 $2,119.82 1,573 547
14 193,123 $2,119.82 1,569 551
15 192,568 $2,119.82 1,564 556
16 192,008 $2,119.82 1,560 560
17 191,443 $2,119.82 1,555 565
18 190,874 $2,119.82 1,551 569
19 190,301 $2,119.82 1,546 574
20 189,722 $2,119.82 1,541 578
21 189,139 $2,119.82 1,537 583
22 188,551 $2,119.82 1,532 588
23 187,959 $2,119.82 1,527 593
24 187,361 $2,119.82 1,522 597
25 186,759 $2,119.82 1,518 602
26 186,152 $2,119.82 1,513 607
27 185,540 $2,119.82 1,508 612
28 184,923 $2,119.82 1,503 617
29 184,301 $2,119.82 1,498 622
30 183,674 $2,119.82 1,493 627
31 183,042 $2,119.82 1,488 632
32 182,405 $2,119.82 1,483 637
33 181,763 $2,119.82 1,477 642
34 181,115 $2,119.82 1,472 648
35 180,462 $2,119.82 1,467 653
36 179,804 $2,119.82 1,462 658
37 179,141 $2,119.82 1,456 663
38 178,472 $2,119.82 1,451 669
39 177,798 $2,119.82 1,446 674
40 177,118 $2,119.82 1,440 680
41 176,433 $2,119.82 1,435 685
42 175,742 $2,119.82 1,429 691
43 175,046 $2,119.82 1,424 696
44 174,344 $2,119.82 1,418 702
45 173,636 $2,119.82 1,412 708
46 172,923 $2,119.82 1,406 713
47 172,204 $2,119.82 1,401 719
48 171,479 $2,119.82 1,395 725
49 170,748 $2,119.82 1,389 731
50 170,011 $2,119.82 1,383 737
51 169,269 $2,119.82 1,377 743
52 168,520 $2,119.82 1,371 749
53 167,765 $2,119.82 1,365 755
54 167,004 $2,119.82 1,359 761
55 166,237 $2,119.82 1,353 767
56 165,464 $2,119.82 1,347 773
57 164,684 $2,119.82 1,340 780
58 163,898 $2,119.82 1,334 786
59 163,106 $2,119.82 1,328 792
60 162,308 $2,119.82 1,321 799
61 161,502 $2,119.82 1,315 805
62 160,691 $2,119.82 1,308 812
63 159,873 $2,119.82 1,302 818
64 159,048 $2,119.82 1,295 825
65 158,216 $2,119.82 1,288 832
66 157,378 $2,119.82 1,282 838
67 156,533 $2,119.82 1,275 845
68 155,681 $2,119.82 1,268 852
69 154,822 $2,119.82 1,261 859
70 153,956 $2,119.82 1,254 866
71 153,084 $2,119.82 1,247 873
72 152,204 $2,119.82 1,240 880
73 151,317 $2,119.82 1,233 887
74 150,423 $2,119.82 1,226 894
75 149,521 $2,119.82 1,218 901
76 148,612 $2,119.82 1,211 909
77 147,696 $2,119.82 1,204 916
78 146,773 $2,119.82 1,196 923
79 145,842 $2,119.82 1,189 931
80 144,904 $2,119.82 1,181 938
81 143,957 $2,119.82 1,174 946
82 143,004 $2,119.82 1,166 954
83 142,042 $2,119.82 1,158 961
84 141,073 $2,119.82 1,151 969
85 140,096 $2,119.82 1,143 977
86 139,111 $2,119.82 1,135 985
87 138,118 $2,119.82 1,127 993
88 137,117 $2,119.82 1,119 1,001
89 136,107 $2,119.82 1,111 1,009
90 135,090 $2,119.82 1,102 1,017
91 134,064 $2,119.82 1,094 1,026
92 133,031 $2,119.82 1,086 1,034
93 131,988 $2,119.82 1,078 1,042
94 130,938 $2,119.82 1,069 1,051
95 129,878 $2,119.82 1,061 1,059
 96 128,811 $2,119.82 1,052 1,068
97 127,734 $2,119.82 1,043 1,076
98 126,649 $2,119.82 1,035 1,085
99 125,555 $2,119.82 1,026 1,094
100 124,452 $2,119.82 1,017 1,103
101 123,340 $2,119.82 1,008 1,112
102 122,220 $2,119.82 999 1,121
103 121,090 $2,119.82 990 1,130
104 119,951 $2,119.82 981 1,139
105 118,803 $2,119.82 972 1,148
106 117,645 $2,119.82 962 1,158
107 116,478 $2,119.82 953 1,167
108 115,302 $2,119.82 943 1,176
109 114,116 $2,119.82 934 1,186
110 112,921 $2,119.82 924 1,195
111 111,715 $2,119.82 915 1,205
112 110,500 $2,119.82 905 1,215
113 109,276 $2,119.82 895 1,225
114 108,041 $2,119.82 885 1,235
115 106,796 $2,119.82 875 1,245
116 105,542 $2,119.82 865 1,255
117 104,277 $2,119.82 855 1,265
118 103,001 $2,119.82 845 1,275
119 101,716 $2,119.82 834 1,286
120 100,420 $2,119.82 824 1,296
121 99,114 $2,119.82 813 1,306
122 97,797 $2,119.82 803 1,317
123 96,469 $2,119.82 792 1,328
124 95,130 $2,119.82 781 1,338
125 93,781 $2,119.82 771 1,349
126 92,421 $2,119.82 760 1,360
127 91,050 $2,119.82 749 1,371
128 89,667 $2,119.82 738 1,382
129 88,274 $2,119.82 726 1,394
130 86,869 $2,119.82 715 1,405
131 85,453 $2,119.82 704 1,416
132 84,025 $2,119.82 692 1,428
133 82,586 $2,119.82 681 1,439
134 81,135 $2,119.82 669 1,451
135 79,673 $2,119.82 657 1,463
136 78,198 $2,119.82 645 1,474
137 76,712 $2,119.82 633 1,486
138 75,213 $2,119.82 621 1,498
139 73,703 $2,119.82 609 1,511
140 72,180 $2,119.82 597 1,523
141 70,645 $2,119.82 585 1,535
142 69,097 $2,119.82 572 1,548
143 67,537 $2,119.82 560 1,560
144 65,964 $2,119.82 547 1,573
145 64,379 $2,119.82 534 1,586
146 62,780 $2,119.82 521 1,598
147 61,169 $2,119.82 509 1,611
148 59,545 $2,119.82 495 1,624
149 57,907 $2,119.82 482 1,638
150 56,256 $2,119.82 469 1,651
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
TOTAL 317,973 173,781 144,192
¿cómo pagar menos intereses por su
credito hipotecario?
CASO 4: ABONO A CAPITAL CON
DISMINUCION DE PLAZO

VALOR CREDITO 80,000,000 AHORROS 10,000,000

TASA DE INTÉRES 1.50% E.M MES 50
PLAZO 180 MESES
CUOTA MENSUAL -$1,288,336.83

SALDO CUOTA ABONO A

MES INTERESES
CAPITAL MENSUAL CAPITAL
0 80,000,000 0 - -
1 79,911,663 $1,288,336.83 1,200,000 88,337
2 79,822,001 $1,288,336.83 1,198,675 89,662
3 79,730,994 $1,288,336.83 1,197,330 91,007
4 79,638,623 $1,288,336.83 1,195,965 92,372
5 79,544,865 $1,288,336.83 1,194,579 93,757
6 79,449,701 $1,288,336.83 1,193,173 95,164
7 79,353,110 $1,288,336.83 1,191,746 96,591
8 79,255,070 $1,288,336.83 1,190,297 98,040
9 79,155,559 $1,288,336.83 1,188,826 99,511
10 79,054,555 $1,288,336.83 1,187,333 101,003
11 78,952,037 $1,288,336.83 1,185,818 102,518
12 78,847,981 $1,288,336.83 1,184,281 104,056
13 78,742,364 $1,288,336.83 1,182,720 105,617
14 78,635,162 $1,288,336.83 1,181,135 107,201
15 78,526,353 $1,288,336.83 1,179,527 108,809
16 78,415,911 $1,288,336.83 1,177,895 110,442
17 78,303,813 $1,288,336.83 1,176,239 112,098
18 78,190,033 $1,288,336.83 1,174,557 113,780
19 78,074,547 $1,288,336.83 1,172,851 115,486
20 77,957,329 $1,288,336.83 1,171,118 117,219
21 77,838,352 $1,288,336.83 1,169,360 118,977
22 77,717,590 $1,288,336.83 1,167,575 120,762
23 77,595,017 $1,288,336.83 1,165,764 122,573
24 77,470,605 $1,288,336.83 1,163,925 124,412
25 77,344,328 $1,288,336.83 1,162,059 126,278
26 77,216,156 $1,288,336.83 1,160,165 128,172
27 77,086,061 $1,288,336.83 1,158,242 130,094
28 76,954,015 $1,288,336.83 1,156,291 132,046
29 76,819,989 $1,288,336.83 1,154,310 134,027
30 76,683,952 $1,288,336.83 1,152,300 136,037
31 76,545,874 $1,288,336.83 1,150,259 138,078
32 76,405,726 $1,288,336.83 1,148,188 140,149
33 76,263,475 $1,288,336.83 1,146,086 142,251
34 76,119,090 $1,288,336.83 1,143,952 144,385
35 75,972,539 $1,288,336.83 1,141,786 146,550
36 75,823,791 $1,288,336.83 1,139,588 148,749
37 75,672,811 $1,288,336.83 1,137,357 150,980
38 75,519,566 $1,288,336.83 1,135,092 153,245
39 75,364,023 $1,288,336.83 1,132,793 155,543
40 75,206,146 $1,288,336.83 1,130,460 157,876
41 75,045,902 $1,288,336.83 1,128,092 160,245
42 74,883,253 $1,288,336.83 1,125,689 162,648
43 74,718,165 $1,288,336.83 1,123,249 165,088
44 74,550,601 $1,288,336.83 1,120,772 167,564
45 74,380,523 $1,288,336.83 1,118,259 170,078
46 74,207,894 $1,288,336.83 1,115,708 172,629
47 74,032,676 $1,288,336.83 1,113,118 175,218
48 73,854,829 $1,288,336.83 1,110,490 177,847
49 73,674,315 $1,288,336.83 1,107,822 180,514
50 63,491,092 $11,288,336.83 1,105,115 10,183,222
51 63,155,122 $1,288,336.83 952,366 335,970
52 62,814,112 $1,288,336.83 947,327 341,010
53 62,467,987 $1,288,336.83 942,212 346,125
54 62,116,670 $1,288,336.83 937,020 351,317
55 61,760,083 $1,288,336.83 931,750 356,587
56 61,398,147 $1,288,336.83 926,401 361,936
57 61,030,783 $1,288,336.83 920,972 367,365
58 60,657,908 $1,288,336.83 915,462 372,875
59 60,279,440 $1,288,336.83 909,869 378,468
60 59,895,294 $1,288,336.83 904,192 384,145
61 59,505,387 $1,288,336.83 898,429 389,907
62 59,109,631 $1,288,336.83 892,581 395,756
63 58,707,938 $1,288,336.83 886,644 401,692
64 58,300,221 $1,288,336.83 880,619 407,718
65 57,886,387 $1,288,336.83 874,503 413,834
66 57,466,346 $1,288,336.83 868,296 420,041
67 57,040,005 $1,288,336.83 861,995 426,342
68 56,607,268 $1,288,336.83 855,600 432,737
69 56,168,040 $1,288,336.83 849,109 439,228
70 55,722,224 $1,288,336.83 842,521 445,816
71 55,269,720 $1,288,336.83 835,833 452,503
72 54,810,429 $1,288,336.83 829,046 459,291
73 54,344,249 $1,288,336.83 822,156 466,180
74 53,871,076 $1,288,336.83 815,164 473,173
75 53,390,805 $1,288,336.83 808,066 480,271
76 52,903,330 $1,288,336.83 800,862 487,475
77 52,408,543 $1,288,336.83 793,550 494,787
78 51,906,335 $1,288,336.83 786,128 502,209
79 51,396,593 $1,288,336.83 778,595 509,742
80 50,879,205 $1,288,336.83 770,949 517,388
81 50,354,056 $1,288,336.83 763,188 525,149
82 49,821,030 $1,288,336.83 755,311 533,026
83 49,280,009 $1,288,336.83 747,315 541,021
84 48,730,872 $1,288,336.83 739,200 549,137
85 48,173,498 $1,288,336.83 730,963 557,374
86 47,607,764 $1,288,336.83 722,602 565,734
87 47,033,544 $1,288,336.83 714,116 574,220
88 46,450,710 $1,288,336.83 705,503 582,834
89 45,859,134 $1,288,336.83 696,761 591,576
90 45,258,684 $1,288,336.83 687,887 600,450
91 44,649,227 $1,288,336.83 678,880 609,457
92 44,030,629 $1,288,336.83 669,738 618,598
93 43,402,752 $1,288,336.83 660,459 627,877
94 42,765,456 $1,288,336.83 651,041 637,296
95 42,118,601 $1,288,336.83 641,482 646,855
 96 41,462,043 $1,288,336.83 631,779 656,558
97 40,795,637 $1,288,336.83 621,931 666,406
98 40,119,235 $1,288,336.83 611,935 676,402
99 39,432,686 $1,288,336.83 601,789 686,548
100 38,735,840 $1,288,336.83 591,490 696,847
101 38,028,541 $1,288,336.83 581,038 707,299
102 37,310,632 $1,288,336.83 570,428 717,909
103 36,581,955 $1,288,336.83 559,659 728,677
104 35,842,347 $1,288,336.83 548,729 739,608
105 35,091,645 $1,288,336.83 537,635 750,702
106 34,329,683 $1,288,336.83 526,375 761,962
107 33,556,292 $1,288,336.83 514,945 773,392
108 32,771,299 $1,288,336.83 503,344 784,992
109 31,974,532 $1,288,336.83 491,569 796,767
110 31,165,813 $1,288,336.83 479,618 808,719
111 30,344,963 $1,288,336.83 467,487 820,850
112 29,511,801 $1,288,336.83 455,174 833,162
113 28,666,141 $1,288,336.83 442,677 845,660
114 27,807,797 $1,288,336.83 429,992 858,345
115 26,936,577 $1,288,336.83 417,117 871,220
116 26,052,288 $1,288,336.83 404,049 884,288
117 25,154,736 $1,288,336.83 390,784 897,553
118 24,243,720 $1,288,336.83 377,321 911,016
119 23,319,039 $1,288,336.83 363,656 924,681
120 22,380,488 $1,288,336.83 349,786 938,551
121 21,427,858 $1,288,336.83 335,707 952,630
122 20,460,939 $1,288,336.83 321,418 966,919
123 19,479,517 $1,288,336.83 306,914 981,423
124 18,483,373 $1,288,336.83 292,193 996,144
125 17,472,286 $1,288,336.83 277,251 1,011,086
126 16,446,034 $1,288,336.83 262,084 1,026,253
127 15,404,388 $1,288,336.83 246,691 1,041,646
128 14,347,116 $1,288,336.83 231,066 1,057,271
129 13,273,986 $1,288,336.83 215,207 1,073,130
130 12,184,759 $1,288,336.83 199,110 1,089,227
131 11,079,194 $1,288,336.83 182,771 1,105,565
132 9,957,045 $1,288,336.83 166,188 1,122,149
133 8,818,064 $1,288,336.83 149,356 1,138,981
134 7,661,998 $1,288,336.83 132,271 1,156,066
135 6,488,591 $1,288,336.83 114,930 1,173,407
136 5,297,583 $1,288,336.83 97,329 1,191,008
137 4,088,710 $1,288,336.83 79,464 1,208,873
138 2,861,704 $1,288,336.83 61,331 1,227,006
139 1,616,293 $1,288,336.83 42,926 1,245,411
140 0 $1,640,536.83 24,244 1,616,292
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
TOTAL 190,719,356 110,719,357 80,000,000
¿cómo pagar menos intereses por su
credito hipotecario?
CASO 5: ABONO A CAPITAL CON
DISMINUCION DE CUOTA

VALOR CREDITO 80,000,000

TASA DE INTÉRES 1.50% E.M AHORROS 10,000,000
PLAZO 180 MESES MES 50
CUOTA MENSUAL -$1,288,336.83

SALDO ABONO A
MES CAPITAL CUOTA MENSUAL INTERESES CAPITAL
0 80,000,000 0 - -
1 79,911,663 $1,288,336.83 1,200,000 88,337
2 79,822,001 $1,288,336.83 1,198,675 89,662
3 79,730,994 $1,288,336.83 1,197,330 91,007
4 79,638,623 $1,288,336.83 1,195,965 92,372
5 79,544,865 $1,288,336.83 1,194,579 93,757
6 79,449,701 $1,288,336.83 1,193,173 95,164
7 79,353,110 $1,288,336.83 1,191,746 96,591
8 79,255,070 $1,288,336.83 1,190,297 98,040
9 79,155,559 $1,288,336.83 1,188,826 99,511
10 79,054,555 $1,288,336.83 1,187,333 101,003
11 78,952,037 $1,288,336.83 1,185,818 102,518
12 78,847,981 $1,288,336.83 1,184,281 104,056
13 78,742,364 $1,288,336.83 1,182,720 105,617
14 78,635,162 $1,288,336.83 1,181,135 107,201
15 78,526,353 $1,288,336.83 1,179,527 108,809
16 78,415,911 $1,288,336.83 1,177,895 110,442
17 78,303,813 $1,288,336.83 1,176,239 112,098
18 78,190,033 $1,288,336.83 1,174,557 113,780
19 78,074,547 $1,288,336.83 1,172,851 115,486
20 77,957,329 $1,288,336.83 1,171,118 117,219
21 77,838,352 $1,288,336.83 1,169,360 118,977
22 77,717,590 $1,288,336.83 1,167,575 120,762
23 77,595,017 $1,288,336.83 1,165,764 122,573
24 77,470,605 $1,288,336.83 1,163,925 124,412
25 77,344,328 $1,288,336.83 1,162,059 126,278
26 77,216,156 $1,288,336.83 1,160,165 128,172
27 77,086,061 $1,288,336.83 1,158,242 130,094
28 76,954,015 $1,288,336.83 1,156,291 132,046
29 76,819,989 $1,288,336.83 1,154,310 134,027
30 76,683,952 $1,288,336.83 1,152,300 136,037
31 76,545,874 $1,288,336.83 1,150,259 138,078
32 76,405,726 $1,288,336.83 1,148,188 140,149
33 76,263,475 $1,288,336.83 1,146,086 142,251
34 76,119,090 $1,288,336.83 1,143,952 144,385
35 75,972,539 $1,288,336.83 1,141,786 146,550
36 75,823,791 $1,288,336.83 1,139,588 148,749
37 75,672,811 $1,288,336.83 1,137,357 150,980
38 75,519,566 $1,288,336.83 1,135,092 153,245
39 75,364,023 $1,288,336.83 1,132,793 155,543
40 75,206,146 $1,288,336.83 1,130,460 157,876
41 75,045,902 $1,288,336.83 1,128,092 160,245
42 74,883,253 $1,288,336.83 1,125,689 162,648
43 74,718,165 $1,288,336.83 1,123,249 165,088
44 74,550,601 $1,288,336.83 1,120,772 167,564
45 74,380,523 $1,288,336.83 1,118,259 170,078
46 74,207,894 $1,288,336.83 1,115,708 172,629
47 74,032,676 $1,288,336.83 1,113,118 175,218
48 73,854,829 $1,288,336.83 1,110,490 177,847
49 73,674,315 $1,288,336.83 1,107,822 180,514
50 63,491,092 $11,288,336.83 1,105,115 10,183,222 NUEVA CUOTA MENSUAL
51 63,330,427 $1,113,031.66 952,366 $160,665.28 CAPITAL
52 63,167,352 $1,113,031.66 949,956 $163,075.26 TASA
53 63,001,831 $1,113,031.66 947,510 $165,521.38 PLAZO
54 62,833,826 $1,113,031.66 945,027 $168,004.21 CUOTA MENSU
55 62,663,302 $1,113,031.66 942,507 $170,524.27
56 62,490,220 $1,113,031.66 939,950 $173,082.13
57 62,314,542 $1,113,031.66 937,353 $175,678.36
58 62,136,228 $1,113,031.66 934,718 $178,313.54
59 61,955,240 $1,113,031.66 932,043 $180,988.24
60 61,771,537 $1,113,031.66 929,329 $183,703.07
61 61,585,078 $1,113,031.66 926,573 $186,458.61
62 61,395,823 $1,113,031.66 923,776 $189,255.49
63 61,203,728 $1,113,031.66 920,937 $192,094.32
64 61,008,753 $1,113,031.66 918,056 $194,975.74
65 60,810,852 $1,113,031.66 915,131 $197,900.38
66 60,609,983 $1,113,031.66 912,163 $200,868.88
67 60,406,101 $1,113,031.66 909,150 $203,881.91
68 60,199,161 $1,113,031.66 906,092 $206,940.14
69 59,989,117 $1,113,031.66 902,987 $210,044.25
70 59,775,922 $1,113,031.66 899,837 $213,194.91
71 59,559,529 $1,113,031.66 896,639 $216,392.83
72 59,339,890 $1,113,031.66 893,393 $219,638.73
73 59,116,957 $1,113,031.66 890,098 $222,933.31
74 58,890,680 $1,113,031.66 886,754 $226,277.31
75 58,661,008 $1,113,031.66 883,360 $229,671.47
76 58,427,892 $1,113,031.66 879,915 $233,116.54
77 58,191,279 $1,113,031.66 876,418 $236,613.29
78 57,951,116 $1,113,031.66 872,869 $240,162.48
79 57,707,351 $1,113,031.66 869,267 $243,764.92
80 57,459,930 $1,113,031.66 865,610 $247,421.40
81 57,208,797 $1,113,031.66 861,899 $251,132.72
82 56,953,897 $1,113,031.66 858,132 $254,899.71
83 56,695,174 $1,113,031.66 854,308 $258,723.20
84 56,432,570 $1,113,031.66 850,428 $262,604.05
85 56,166,027 $1,113,031.66 846,489 $266,543.11
86 55,895,486 $1,113,031.66 842,490 $270,541.26
87 55,620,886 $1,113,031.66 838,432 $274,599.38
88 55,342,168 $1,113,031.66 834,313 $278,718.37
89 55,059,269 $1,113,031.66 830,133 $282,899.14
90 54,772,126 $1,113,031.66 825,889 $287,142.63
91 54,480,676 $1,113,031.66 821,582 $291,449.77
92 54,184,855 $1,113,031.66 817,210 $295,821.52
93 53,884,596 $1,113,031.66 812,773 $300,258.84
94 53,579,833 $1,113,031.66 808,269 $304,762.72
95 53,270,499 $1,113,031.66 803,698 $309,334.16
 96 52,956,525 $1,113,031.66 799,057 $313,974.18
97 52,637,841 $1,113,031.66 794,348 $318,683.79
98 52,314,377 $1,113,031.66 789,568 $323,464.04
99 51,986,061 $1,113,031.66 784,716 $328,316.01
100 51,652,820 $1,113,031.66 779,791 $333,240.75
101 51,314,581 $1,113,031.66 774,792 $338,239.36
102 50,971,268 $1,113,031.66 769,719 $343,312.95
103 50,622,806 $1,113,031.66 764,569 $348,462.64
104 50,269,116 $1,113,031.66 759,342 $353,689.58
105 49,910,121 $1,113,031.66 754,037 $358,994.92
106 49,545,741 $1,113,031.66 748,652 $364,379.85
107 49,175,896 $1,113,031.66 743,186 $369,845.55
108 48,800,502 $1,113,031.66 737,638 $375,393.23
109 48,419,478 $1,113,031.66 732,008 $381,024.13
110 48,032,739 $1,113,031.66 726,292 $386,739.49
111 47,640,198 $1,113,031.66 720,491 $392,540.58
112 47,241,770 $1,113,031.66 714,603 $398,428.69
113 46,837,364 $1,113,031.66 708,627 $404,405.12
114 46,426,893 $1,113,031.66 702,560 $410,471.20
115 46,010,265 $1,113,031.66 696,403 $416,628.27
116 45,587,387 $1,113,031.66 690,154 $422,877.69
117 45,158,166 $1,113,031.66 683,811 $429,220.85
118 44,722,507 $1,113,031.66 677,372 $435,659.17
119 44,280,313 $1,113,031.66 670,838 $442,194.06
120 43,831,486 $1,113,031.66 664,205 $448,826.97
121 43,375,927 $1,113,031.66 657,472 $455,559.37
122 42,913,534 $1,113,031.66 650,639 $462,392.76
123 42,444,205 $1,113,031.66 643,703 $469,328.65
124 41,967,837 $1,113,031.66 636,663 $476,368.58
125 41,484,323 $1,113,031.66 629,518 $483,514.11
126 40,993,556 $1,113,031.66 622,265 $490,766.82
127 40,495,428 $1,113,031.66 614,903 $498,128.33
128 39,989,827 $1,113,031.66 607,431 $505,600.25
129 39,476,643 $1,113,031.66 599,847 $513,184.25
130 38,955,761 $1,113,031.66 592,150 $520,882.02
131 38,427,066 $1,113,031.66 584,336 $528,695.25
132 37,890,440 $1,113,031.66 576,406 $536,625.68
133 37,345,765 $1,113,031.66 568,357 $544,675.06
134 36,792,920 $1,113,031.66 560,186 $552,845.19
135 36,231,782 $1,113,031.66 551,894 $561,137.87
136 35,662,227 $1,113,031.66 543,477 $569,554.93
137 35,084,129 $1,113,031.66 534,933 $578,098.26
138 34,497,359 $1,113,031.66 526,262 $586,769.73
139 33,901,788 $1,113,031.66 517,460 $595,571.28
140 33,297,283 $1,113,031.66 508,527 $604,504.85
141 32,683,711 $1,113,031.66 499,459 $613,572.42
142 32,060,935 $1,113,031.66 490,256 $622,776.01
143 31,428,817 $1,113,031.66 480,914 $632,117.65
144 30,787,217 $1,113,031.66 471,432 $641,599.41
145 30,135,994 $1,113,031.66 461,808 $651,223.40
146 29,475,002 $1,113,031.66 452,040 $660,991.75
147 28,804,096 $1,113,031.66 442,125 $670,906.63
148 28,123,125 $1,113,031.66 432,061 $680,970.23
149 27,431,941 $1,113,031.66 421,847 $691,184.78
150 26,730,388 $1,113,031.66 411,479 $701,552.55
151 26,018,312 $1,113,031.66 400,956 $712,075.84
152 25,295,555 $1,113,031.66 390,275 $722,756.98
153 24,561,957 $1,113,031.66 379,433 $733,598.33
154 23,817,355 $1,113,031.66 368,429 $744,602.31
155 23,061,583 $1,113,031.66 357,260 $755,771.34
156 22,294,475 $1,113,031.66 345,924 $767,107.91
157 21,515,861 $1,113,031.66 334,417 $778,614.53
158 20,725,567 $1,113,031.66 322,738 $790,293.75
159 19,923,419 $1,113,031.66 310,884 $802,148.16
160 19,109,239 $1,113,031.66 298,851 $814,180.38
161 18,282,846 $1,113,031.66 286,639 $826,393.08
162 17,444,057 $1,113,031.66 274,243 $838,788.98
163 16,592,686 $1,113,031.66 261,661 $851,370.82
164 15,728,544 $1,113,031.66 248,890 $864,141.38
165 14,851,441 $1,113,031.66 235,928 $877,103.50
166 13,961,181 $1,113,031.66 222,772 $890,260.05
167 13,057,567 $1,113,031.66 209,418 $903,613.95
168 12,140,399 $1,113,031.66 195,864 $917,168.16
169 11,209,473 $1,113,031.66 182,106 $930,925.68
170 10,264,583 $1,113,031.66 168,142 $944,889.57
171 9,305,520 $1,113,031.66 153,969 $959,062.91
172 8,332,072 $1,113,031.66 139,583 $973,448.86
173 7,344,021 $1,113,031.66 124,981 $988,050.59
174 6,341,150 $1,113,031.66 110,160 $1,002,871.35
175 5,323,235 $1,113,031.66 95,117 $1,017,914.42
176 4,290,052 $1,113,031.66 79,849 $1,033,183.13
177 3,241,371 $1,113,031.66 64,351 $1,048,680.88
178 2,176,960 $1,113,031.66 48,621 $1,064,411.09
179 1,096,583 $1,113,031.66 32,654 $1,080,377.26
180 - 0 $1,113,031.66 16,449 $1,096,582.92
TOTAL 219,110,958 139,110,958 80,000,000
EVA CUOTA MENSUAL
63,491,092
1.50%
130
-$1,113,031.66
¿cómo pagar menos intereses por su credito hipotecario?
NO RECOMENDABLE
ABONO A
CREDITO EN
MENOR TASA CAPITAL CON MENOR PLAZO
COMPARATIVO CONDICIONES DE INTERES DISMINUCION
NORMALES DE CUOTA
CASO 1 CASO 2 CASO 5 CASO 3
VALOR CREDITO 80,000,000 80,000,000 80,000,000 80,000,000
TASA DE INTÉRES 1.50% 1.40% 1.50% 1.50%
PLAZO 180 180 180 150
CUOTA MENSUAL $1,288,336.83 $1,219,881.67 $1,288,336.83 $2,119.82
CUOTA MENSUAL $1,113,031.66
ANALISIS
TOTAL PAGADO 781,305 219,578,701 219,110,958 317,973
INTERESES PAGADOS- 85,254 139,578,701 139,110,958 173,781
CAPITAL PAGADO 866,558 80,000,000 80,000,000 144,192
EXCELENTE
ABONO A
CAPITAL CON
DISMINUCION
DE PLAZO
CASO 4
80,000,000
1.50%
141
$1,640,536.83

190,719,356
110,719,357
80,000,000