R=C/n

$200,000.00

Aos (n)

Saldo insoluto C

Abono anual (R)

Interes sobre saldo (I=C*i)

0
1
2
3
4
5
Suma

$1,000,000.00
$800,000.00
$600,000.00
$400,000.00
$200,000.00
$0.00
$3,000,000.00

$0.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$200,000.00
$1,000,000.00

$0.00
$240,000.00
$192,000.00
$144,000.00
$96,000.00
$48,000.00
$720,000.00

i=

0.24
IVA a interes (0.15)

Pago anual (R+I+IVA)

Total pagado

$0.00
$36,000.00
$28,800.00
$21,600.00
$14,400.00
$7,200.00
$108,000.00

$0.00
$476,000.00
$420,800.00
$365,600.00
$310,400.00
$255,200.00
$1,828,000.00

$0.00
$476,000.00
$896,800.00
$1,262,400.00
$1,572,800.00
$1,828,000.00
$6,036,000.00

F2 FORMULAS

R= ( C ) (i)(1+i)/(1+i)-
(1,000,000)(0.24)(1+0.24)5
(1+0.24)-1

703,590.015
1.931625062

$364,247.71
0.24

Aos (n)

Saldo insoluto C

Abono anual (R)

Interes sobre saldo

(I=C*i)

0
1
2
3
4
5
Suma

$1,000,000.00
$875,752.29
$721,685.12
$530,641.83
$293,748.16
$0.00
$3,421,827.39

$0.00
$364,247.71
$364,247.71
$364,247.71
$364,247.71
$364,247.71
$1,821,238.57

$0.00
$240,000.00
$210,180.55
$173,204.43
$127,354.04
$70,499.56
$821,238.57

Pago anual (R-l)

Total pagado

$0.00
$124,247.71
$154,067.17
$191,043.29
$236,893.68
$293,748.16
$1,000,000.00

$0.00
$124,247.71
$278,314.88
$469,358.17
$706,251.84
$1,000,000.00
$2,578,172.61