MATEMATICAS FINANCIERAS - INGENIERIA FINANCIERA

En este archivo encontrará, varias hojas de cálculo con ejercicios planteados y desarrollados
con las diferentes clases de anualidades.

En la Hoja2, encontrará la tabla de amortización de una anualidad tradicional.

En la Hoja3, encontrará la tabla de amortización de una anualidad con pagos extraordinarios
En la Hoja4, encontrará la tabla de amortización de una anualidad con cuotas crecientes
En la Hoja5, encontrará la tabla de capitalización
CIERA

ados y desarrollados

agos extraordinarios
uotas crecientes
Periodo Saldo Intereses Cuota Amortizacion
0 $ 1,000,000.00
1 $ 914,130.72 $ 105,000.00 $ 190,869.28 $ 85,869.28
2 $ 819,245.17 $ 95,983.73 $ 190,869.28 $ 94,885.55
3 $ 714,396.64 $ 86,020.74 $ 190,869.28 $ 104,848.53
4 $ 598,539.01 $ 75,011.65 $ 190,869.28 $ 115,857.63
5 $ 470,516.33 $ 62,846.60 $ 190,869.28 $ 128,022.68
6 $ 329,051.27 $ 49,404.21 $ 190,869.28 $ 141,465.06
7 $ 172,732.38 $ 34,550.38 $ 190,869.28 $ 156,318.89
8 $ 0.00 $ 18,136.90 $ 190,869.28 $ 172,732.38
 TABLA DE AMORTIZACION DE UNA ANUALIDAD CON ABONOS EXTRAORDINARIOS

Se adquiere un préstamo por $20.000.000, a 3 años para cancelar mediante 36 cuotas mensuales iguales
teniendo en cuenta que realizará los siguientes pagos extraordinarios:
La tasa de Interes es del 2,4%EM.

Periodo Valor Valor Presente

0
6 $ 1,500,000.00 $ 1,301,042.61
12 $ 1,500,000.00 $ 1,128,474.58
18 $ 1,500,000.00 $ 978,795.67
24 $ 1,500,000.00 $ 848,969.91
30 $ 1,500,000.00 $ 736,364.02
36 $ 1,500,000.00 $ 638,693.98
Valor Abonos en periodo 0 $ 5,632,340.76

Valor Cuota Mensual $ 600,524.92

Préstamo $ 20,000,000.00
Tasa 2.40%
Plazo 36
Tipo 0

Periodo Capital Intereses Cuota Saldo

0 $ 20,000,000.00
1 $ 120,524.92 $ 480,000.00 $ 600,524.92 $ 19,879,475.08
2 $ 123,417.52 $ 477,107.40 $ 600,524.92 $ 19,756,057.56
3 $ 126,379.54 $ 474,145.38 $ 600,524.92 $ 19,629,678.02
4 $ 129,412.65 $ 471,112.27 $ 600,524.92 $ 19,500,265.37
5 $ 132,518.55 $ 468,006.37 $ 600,524.92 $ 19,367,746.82
6 $ 1,635,699.00 $ 464,825.92 $ 2,100,524.92 $ 17,732,047.82
7 $ 174,955.77 $ 425,569.15 $ 600,524.92 $ 17,557,092.04
8 $ 179,154.71 $ 421,370.21 $ 600,524.92 $ 17,377,937.33
9 $ 183,454.43 $ 417,070.50 $ 600,524.92 $ 17,194,482.91
10 $ 187,857.33 $ 412,667.59 $ 600,524.92 $ 17,006,625.57
11 $ 192,365.91 $ 408,159.01 $ 600,524.92 $ 16,814,259.67
12 $ 1,696,982.69 $ 403,542.23 $ 2,100,524.92 $ 15,117,276.98
13 $ 237,710.27 $ 362,814.65 $ 600,524.92 $ 14,879,566.70
14 $ 243,415.32 $ 357,109.60 $ 600,524.92 $ 14,636,151.38
15 $ 249,257.29 $ 351,267.63 $ 600,524.92 $ 14,386,894.09
16 $ 255,239.46 $ 345,285.46 $ 600,524.92 $ 14,131,654.63
17 $ 261,365.21 $ 339,159.71 $ 600,524.92 $ 13,870,289.42
18 $ 1,767,637.98 $ 332,886.95 $ 2,100,524.92 $ 12,102,651.45
19 $ 310,061.29 $ 290,463.63 $ 600,524.92 $ 11,792,590.16
20 $ 317,502.76 $ 283,022.16 $ 600,524.92 $ 11,475,087.40
21 $ 325,122.82 $ 275,402.10 $ 600,524.92 $ 11,149,964.58
22 $ 332,925.77 $ 267,599.15 $ 600,524.92 $ 10,817,038.80
23 $ 340,915.99 $ 259,608.93 $ 600,524.92 $ 10,476,122.81
24 $ 1,849,097.97 $ 251,426.95 $ 2,100,524.92 $ 8,627,024.84
25 $ 393,476.33 $ 207,048.60 $ 600,524.92 $ 8,233,548.51
26 $ 402,919.76 $ 197,605.16 $ 600,524.92 $ 7,830,628.76
27 $ 412,589.83 $ 187,935.09 $ 600,524.92 $ 7,418,038.93
28 $ 422,491.99 $ 178,032.93 $ 600,524.92 $ 6,995,546.94
29 $ 432,631.80 $ 167,893.13 $ 600,524.92 $ 6,562,915.14
30 $ 1,943,014.96 $ 157,509.96 $ 2,100,524.92 $ 4,619,900.19
31 $ 489,647.32 $ 110,877.60 $ 600,524.92 $ 4,130,252.87
32 $ 501,398.85 $ 99,126.07 $ 600,524.92 $ 3,628,854.02
33 $ 513,432.43 $ 87,092.50 $ 600,524.92 $ 3,115,421.59
34 $ 525,754.80 $ 74,770.12 $ 600,524.92 $ 2,589,666.79
35 $ 538,372.92 $ 62,152.00 $ 600,524.92 $ 2,051,293.87
36 $ 2,051,293.87 $ 49,231.05 $ 2,100,524.92 $ 0.00
 TRAORDINARIOS

mensuales iguales
 TABLA DE AMORTIZACION DE UNA ANUALIDAD CON CUOTAS CRECIENTES

Se adquiere un préstamo por $20.000.000, a 3 años para cancelar mediante 36 cuotas mensuales iguales.
Las primeras 12 cuotas de $750.000; las segundas 12 cuotas de $900.000 y las últimas 12 del valor necesario
para cancelar la deuda. Determine el valor de la última anualidad y elabore la tabla de amortización.
La tasa de Interes es del 2,4%EM.

No. De
cuotas Valor Cuota Valor Presente
0
12 $ 750,000.00 $ 7,740,112.98
12 $ 850,000.00 $ 6,599,415.66
Valor Abonos en periodo 0 $ 14,339,528.64

Saldo deuda en periodo 0 $ 5,660,471.36

Saldo deuda en periodo 24 $ 10,001,187.21

Valor cuota últimos 12 pagos $ 969,093.14

Préstamo $ 20,000,000.00
Tasa 2.40%
Plazo 36
Tipo 0

Periodo Capital Intereses Cuota Saldo

0 $ 20,000,000.00
1 $ 270,000.00 $ 480,000.00 $ 750,000.00 $ 19,730,000.00
2 $ 276,480.00 $ 473,520.00 $ 750,000.00 $ 19,453,520.00
3 $ 283,115.52 $ 466,884.48 $ 750,000.00 $ 19,170,404.48
4 $ 289,910.29 $ 460,089.71 $ 750,000.00 $ 18,880,494.19
5 $ 296,868.14 $ 453,131.86 $ 750,000.00 $ 18,583,626.05
6 $ 303,992.97 $ 446,007.03 $ 750,000.00 $ 18,279,633.07
7 $ 311,288.81 $ 438,711.19 $ 750,000.00 $ 17,968,344.27
8 $ 318,759.74 $ 431,240.26 $ 750,000.00 $ 17,649,584.53
9 $ 326,409.97 $ 423,590.03 $ 750,000.00 $ 17,323,174.56
10 $ 334,243.81 $ 415,756.19 $ 750,000.00 $ 16,988,930.75
11 $ 342,265.66 $ 407,734.34 $ 750,000.00 $ 16,646,665.09
12 $ 350,480.04 $ 399,519.96 $ 750,000.00 $ 16,296,185.05
13 $ 458,891.56 $ 391,108.44 $ 850,000.00 $ 15,837,293.49
14 $ 469,904.96 $ 380,095.04 $ 850,000.00 $ 15,367,388.53
15 $ 481,182.68 $ 368,817.32 $ 850,000.00 $ 14,886,205.86
16 $ 492,731.06 $ 357,268.94 $ 850,000.00 $ 14,393,474.80
17 $ 504,556.60 $ 345,443.40 $ 850,000.00 $ 13,888,918.19
18 $ 516,665.96 $ 333,334.04 $ 850,000.00 $ 13,372,252.23
19 $ 529,065.95 $ 320,934.05 $ 850,000.00 $ 12,843,186.28
20 $ 541,763.53 $ 308,236.47 $ 850,000.00 $ 12,301,422.75
21 $ 554,765.85 $ 295,234.15 $ 850,000.00 $ 11,746,656.90
22 $ 568,080.23 $ 281,919.77 $ 850,000.00 $ 11,178,576.67
23 $ 581,714.16 $ 268,285.84 $ 850,000.00 $ 10,596,862.51
24 $ 595,675.30 $ 254,324.70 $ 850,000.00 $ 10,001,187.21
25 $ 729,064.65 $ 240,028.49 $ 969,093.14 $ 9,272,122.56
26 $ 746,562.20 $ 222,530.94 $ 969,093.14 $ 8,525,560.36
27 $ 764,479.69 $ 204,613.45 $ 969,093.14 $ 7,761,080.66
28 $ 782,827.21 $ 186,265.94 $ 969,093.14 $ 6,978,253.46
29 $ 801,615.06 $ 167,478.08 $ 969,093.14 $ 6,176,638.40
30 $ 820,853.82 $ 148,239.32 $ 969,093.14 $ 5,355,784.58
31 $ 840,554.31 $ 128,538.83 $ 969,093.14 $ 4,515,230.27
32 $ 860,727.61 $ 108,365.53 $ 969,093.14 $ 3,654,502.66
33 $ 881,385.08 $ 87,708.06 $ 969,093.14 $ 2,773,117.58
34 $ 902,538.32 $ 66,554.82 $ 969,093.14 $ 1,870,579.26
35 $ 924,199.24 $ 44,893.90 $ 969,093.14 $ 946,380.02
36 $ 946,380.02 $ 22,713.12 $ 969,093.14 $ 0.00
CRECIENTES

ensuales iguales.
12 del valor necesario
 TABLA DE CAPITALIZACION DE UNA ANUALIDAD SENCILLA

Se desea tener en una cuenta que reconoce el 2.4% E.M. al cabo de 36 meses la suma de $10.000.000
Determine el valor del deposito mensual y elabore la tabla de capitalización.

Final $ 10,000,000.00
Tasa 2.40%
Plazo 36
Tipo 0

Periodo Ahorro Intereses Depósito Saldo

0
1 $ 177,969.91 $ 0.00 $ 177,969.91 $ 177,969.91
2 $ 182,241.19 $ 4,271.28 $ 177,969.91 $ 360,211.09
3 $ 186,614.97 $ 8,645.07 $ 177,969.91 $ 546,826.07
4 $ 191,093.73 $ 13,123.83 $ 177,969.91 $ 737,919.80
5 $ 195,679.98 $ 17,710.08 $ 177,969.91 $ 933,599.79
6 $ 200,376.30 $ 22,406.39 $ 177,969.91 $ 1,133,976.09
7 $ 205,185.33 $ 27,215.43 $ 177,969.91 $ 1,339,161.43
8 $ 210,109.78 $ 32,139.87 $ 177,969.91 $ 1,549,271.21
9 $ 215,152.42 $ 37,182.51 $ 177,969.91 $ 1,764,423.63
10 $ 220,316.08 $ 42,346.17 $ 177,969.91 $ 1,984,739.70
11 $ 225,603.66 $ 47,633.75 $ 177,969.91 $ 2,210,343.36
12 $ 231,018.15 $ 53,048.24 $ 177,969.91 $ 2,441,361.51
13 $ 236,562.58 $ 58,592.68 $ 177,969.91 $ 2,677,924.10
14 $ 242,240.09 $ 64,270.18 $ 177,969.91 $ 2,920,164.18
15 $ 248,053.85 $ 70,083.94 $ 177,969.91 $ 3,168,218.03
16 $ 254,007.14 $ 76,037.23 $ 177,969.91 $ 3,422,225.17
17 $ 260,103.31 $ 82,133.40 $ 177,969.91 $ 3,682,328.49
18 $ 266,345.79 $ 88,375.88 $ 177,969.91 $ 3,948,674.28
19 $ 272,738.09 $ 94,768.18 $ 177,969.91 $ 4,221,412.37
20 $ 279,283.81 $ 101,313.90 $ 177,969.91 $ 4,500,696.17
21 $ 285,986.62 $ 108,016.71 $ 177,969.91 $ 4,786,682.79
22 $ 292,850.30 $ 114,880.39 $ 177,969.91 $ 5,079,533.09
23 $ 299,878.70 $ 121,908.79 $ 177,969.91 $ 5,379,411.79
24 $ 307,075.79 $ 129,105.88 $ 177,969.91 $ 5,686,487.58
25 $ 314,445.61 $ 136,475.70 $ 177,969.91 $ 6,000,933.19
26 $ 321,992.31 $ 144,022.40 $ 177,969.91 $ 6,322,925.50
27 $ 329,720.12 $ 151,750.21 $ 177,969.91 $ 6,652,645.62
28 $ 337,633.40 $ 159,663.49 $ 177,969.91 $ 6,990,279.02
29 $ 345,736.60 $ 167,766.70 $ 177,969.91 $ 7,336,015.62
30 $ 354,034.28 $ 176,064.37 $ 177,969.91 $ 7,690,049.91
31 $ 362,531.11 $ 184,561.20 $ 177,969.91 $ 8,052,581.01
32 $ 371,231.85 $ 193,261.94 $ 177,969.91 $ 8,423,812.87
33 $ 380,141.42 $ 202,171.51 $ 177,969.91 $ 8,803,954.28
34 $ 389,264.81 $ 211,294.90 $ 177,969.91 $ 9,193,219.09
35 $ 398,607.17 $ 220,637.26 $ 177,969.91 $ 9,591,826.26
36 $ 408,173.74 $ 230,203.83 $ 177,969.91 $ 10,000,000.00
Periodo Saldo Intereses Cuota Amortizacion
0 $ 1,000,000.00
1 $ 914,130.72 $ 105,000.00 $ 190,869.28 $ 85,869.28
2 $ 819,245.17 $ 95,983.73 $ 190,869.28 $ 94,885.55
3 $ 314,396.64 $ 86,020.74 $ 590,869.28 $ 504,848.53
4 $ 156,539.01 $ 33,011.65 $ 190,869.28 $ 157,857.63
5 $ -17,893.67 $ 16,436.60 $ 190,869.28 $ 174,432.68
6
7
8
Periodo Saldo Intereses Cuota Amortizacion
0 $ 200,000.00
1 $ 218,000.00 $ 18,000.00 $ 18,000.00
2 $ 183,320.24 $ 19,620.00 $ 54,299.76 $ 34,679.76
3 $ 95,519.31 $ 16,498.82 $ 104,299.76 $ 87,800.93
4 $ 49,816.29 $ 8,596.74 $ 54,299.76 $ 45,703.02
5 $ -0.00 $ 4,483.47 $ 54,299.76 $ 49,816.29
6 $ -54,299.76 $ -0.00 $ 54,299.76 $ 54,299.76
7 $ -109,957.01 $ -1,357.49 $ 54,299.76 $ 55,657.25
8 $ -167,005.69 $ -2,748.93 $ 54,299.76 $ 57,048.68
9 $ -225,480.59 $ -4,175.14 $ 54,299.76 $ 58,474.90
10 $ -256,414.61 $ -5,637.01 $ 25,297.01 $ 30,934.03
11 $ -288,121.99 $ -6,410.37 $ 25,297.01 $ 31,707.38
12 $ -320,622.05 $ -7,203.05 $ 25,297.01 $ 32,500.06
13 $ -353,934.61 $ -8,015.55 $ 25,297.01 $ 33,312.56
14 $ -388,079.99 $ -8,848.37 $ 25,297.01 $ 34,145.38
15 $ -423,079.00 $ -9,702.00 $ 25,297.01 $ 34,999.01
16 $ -458,952.99 $ -10,576.98 $ 25,297.01 $ 35,873.99
17 $ -495,723.83 $ -11,473.82 $ 25,297.01 $ 36,770.84
18 $ -533,413.93 $ -12,393.10 $ 25,297.01 $ 37,690.11
19 $ -572,046.29 $ -13,335.35 $ 25,297.01 $ 38,632.36
20 $ -611,644.46 $ -14,301.16 $ 25,297.01 $ 39,598.17
21 $ -652,232.59 $ -15,291.11 $ 25,297.01 $ 40,588.12
22 $ -693,835.41 $ -16,305.81 $ 25,297.01 $ 41,602.83
23 $ -736,478.31 $ -17,345.89 $ 25,297.01 $ 42,642.90
24 $ -780,187.28 $ -18,411.96 $ 25,297.01 $ 43,708.97
25 $ -824,988.97 $ -19,504.68 $ 25,297.01 $ 44,801.69
26 $ -870,910.71 $ -20,624.72 $ 25,297.01 $ 45,921.74
27 $ -917,980.49 $ -21,772.77 $ 25,297.01 $ 47,069.78
28 $ -966,227.01 $ -22,949.51 $ 25,297.01 $ 48,246.52
29 $ -1,015,679.70 $ -24,155.68 $ 25,297.01 $ 49,452.69
30 $ -1,066,368.70 $ -25,391.99 $ 25,297.01 $ 50,689.00
31 $ -1,118,324.93 $ -26,659.22 $ 25,297.01 $ 51,956.23
32 $ -1,171,580.07 $ -27,958.12 $ 25,297.01 $ 53,255.13
33 $ -1,226,166.58 $ -29,289.50 $ 25,297.01 $ 54,586.51
34 $ -1,282,117.76 $ -30,654.16 $ 25,297.01 $ 55,951.18
35 $ -1,339,467.71 $ -32,052.94 $ 25,297.01 $ 57,349.96
36 $ -1,398,251.42 $ -33,486.69 $ 25,297.01 $ 58,783.70
37 $ -1,458,504.71 $ -34,956.29 $ 25,297.01 $ 60,253.30
38 $ -1,520,264.34 $ -36,462.62 $ 25,297.01 $ 61,759.63
39 $ -1,583,567.96 $ -38,006.61 $ 25,297.01 $ 63,303.62
40 $ -1,648,454.17 $ -39,589.20 $ 25,297.01 $ 64,886.21
41 $ -1,714,962.54 $ -41,211.35 $ 25,297.01 $ 66,508.37
42 $ -1,783,133.61 $ -42,874.06 $ 25,297.01 $ 68,171.08
43 $ -1,853,008.97 $ -44,578.34 $ 25,297.01 $ 69,875.35
44 $ -1,924,631.20 $ -46,325.22 $ 25,297.01 $ 71,622.24
45 $ -1,998,043.99 $ -48,115.78 $ 25,297.01 $ 73,412.79
46 $ -2,073,292.10 $ -49,951.10 $ 25,297.01 $ 75,248.11
47 $ -2,150,421.42 $ -51,832.30 $ 25,297.01 $ 77,129.31
48 $ -2,229,478.97 $ -53,760.54 $ 25,297.01 $ 79,057.55
49 $ -2,310,512.95 $ -55,736.97 $ 25,297.01 $ 81,033.99
50 $ -2,393,572.79 $ -57,762.82 $ 25,297.01 $ 83,059.84
51 $ -2,478,709.12 $ -59,839.32 $ 25,297.01 $ 85,136.33
52 $ -2,565,973.86 $ -61,967.73 $ 25,297.01 $ 87,264.74
53 $ -2,655,420.22 $ -64,149.35 $ 25,297.01 $ 89,446.36
54 $ -2,747,102.73 $ -66,385.51 $ 25,297.01 $ 91,682.52
55 $ -2,841,077.31 $ -68,677.57 $ 25,297.01 $ 93,974.58
56 $ -2,937,401.26 $ -71,026.93 $ 25,297.01 $ 96,323.94
57 $ -3,036,133.30 $ -73,435.03 $ 25,297.01 $ 98,732.04
58 $ -3,137,333.64 $ -75,903.33 $ 25,297.01 $ 101,200.34
59 $ -3,241,064.00 $ -78,433.34 $ 25,297.01 $ 103,730.35
60 $ -3,347,387.61 $ -81,026.60 $ 25,297.01 $ 106,323.61
61 $ -3,456,369.31 $ -83,684.69 $ 25,297.01 $ 108,981.70
62 $ -3,568,075.56 $ -86,409.23 $ 25,297.01 $ 111,706.24
63 $ -3,682,574.46 $ -89,201.89 $ 25,297.01 $ 114,498.90
64 $ -3,799,935.83 $ -92,064.36 $ 25,297.01 $ 117,361.37
65 $ -3,920,231.24 $ -94,998.40 $ 25,297.01 $ 120,295.41
66 $ -4,043,534.03 $ -98,005.78 $ 25,297.01 $ 123,302.79
67 $ -4,169,919.39 $ -101,088.35 $ 25,297.01 $ 126,385.36
68 $ -4,299,464.39 $ -104,247.98 $ 25,297.01 $ 129,545.00
69 $ -4,432,248.01 $ -107,486.61 $ 25,297.01 $ 132,783.62
70 $ -4,568,351.22 $ -110,806.20 $ 25,297.01 $ 136,103.21
71 $ -4,707,857.01 $ -114,208.78 $ 25,297.01 $ 139,505.79
72 $ -4,850,850.45 $ -117,696.43 $ 25,297.01 $ 142,993.44
73 $ -4,997,418.72 $ -121,271.26 $ 25,297.01 $ 146,568.27
74 $ -5,147,651.20 $ -124,935.47 $ 25,297.01 $ 150,232.48
75 $ -5,301,639.49 $ -128,691.28 $ 25,297.01 $ 153,988.29
76 $ -5,459,477.49 $ -132,540.99 $ 25,297.01 $ 157,838.00
77 $ -5,621,261.44 $ -136,486.94 $ 25,297.01 $ 161,783.95
78 $ -5,787,089.99 $ -140,531.54 $ 25,297.01 $ 165,828.55
79 $ -5,957,064.25 $ -144,677.25 $ 25,297.01 $ 169,974.26
80 $ -6,131,287.87 $ -148,926.61 $ 25,297.01 $ 174,223.62
81 $ -6,309,867.08 $ -153,282.20 $ 25,297.01 $ 178,579.21
82 $ -6,492,910.77 $ -157,746.68 $ 25,297.01 $ 183,043.69
83 $ -6,680,530.55 $ -162,322.77 $ 25,297.01 $ 187,619.78
84 $ -6,872,840.82 $ -167,013.26 $ 25,297.01 $ 192,310.28
85 $ -7,069,958.85 $ -171,821.02 $ 25,297.01 $ 197,118.03
86 $ -7,272,004.84 $ -176,748.97 $ 25,297.01 $ 202,045.98
87 $ -7,479,101.97 $ -181,800.12 $ 25,297.01 $ 207,097.13
88 $ -7,691,376.53 $ -186,977.55 $ 25,297.01 $ 212,274.56
89 $ -7,908,957.96 $ -192,284.41 $ 25,297.01 $ 217,581.42
90 $ -8,131,978.92 $ -197,723.95 $ 25,297.01 $ 223,020.96
91 $ -8,360,575.40 $ -203,299.47 $ 25,297.01 $ 228,596.48
92 $ -8,594,886.80 $ -209,014.39 $ 25,297.01 $ 234,311.40
93 $ -8,835,055.98 $ -214,872.17 $ 25,297.01 $ 240,169.18
94 $ -9,081,229.39 $ -220,876.40 $ 25,297.01 $ 246,173.41
95 $ -9,333,557.14 $ -227,030.73 $ 25,297.01 $ 252,327.75
96 $ -9,592,193.08 $ -233,338.93 $ 25,297.01 $ 258,635.94
97 $ -9,857,294.91 $ -239,804.83 $ 25,297.01 $ 265,101.84
98 $ -10,129,024.30 $ -246,432.37 $ 25,297.01 $ 271,729.38
99 $ -10,407,546.92 $ -253,225.61 $ 25,297.01 $ 278,522.62
100 $ -10,693,032.60 $ -260,188.67 $ 25,297.01 $ 285,485.68
101 $ -10,985,655.43 $ -267,325.82 $ 25,297.01 $ 292,622.83
102 $ -11,285,593.83 $ -274,641.39 $ 25,297.01 $ 299,938.40
103 $ -11,593,030.68 $ -282,139.85 $ 25,297.01 $ 307,436.86
104 $ -11,908,153.46 $ -289,825.77 $ 25,297.01 $ 315,122.78
105 $ -12,231,154.31 $ -297,703.84 $ 25,297.01 $ 323,000.85
106 $ -12,562,230.18 $ -305,778.86 $ 25,297.01 $ 331,075.87
107 $ -12,901,582.95 $ -314,055.75 $ 25,297.01 $ 339,352.77
108 $ -13,249,419.53 $ -322,539.57 $ 25,297.01 $ 347,836.59
109 $ -13,605,952.03 $ -331,235.49 $ 25,297.01 $ 356,532.50
110 $ -13,971,397.84 $ -340,148.80 $ 25,297.01 $ 365,445.81
PERIODO ACUMULADO INTERES DEPOSITO INCREMENTO
1 $ 2,092.33 $ 0.00 $ 2,092.33 $ 2,092.33
2 $ 4,236.97 $ 52.31 $ 2,092.33 $ 2,144.64
3 $ 6,435.22 $ 105.92 $ 2,092.33 $ 2,198.25
4 $ 8,688.43 $ 160.88 $ 2,092.33 $ 2,253.21
5 $ 10,997.97 $ 217.21 $ 2,092.33 $ 2,309.54
6 $ 13,365.25 $ 274.95 $ 2,092.33 $ 2,367.28
7 $ 15,791.71 $ 334.13 $ 2,092.33 $ 2,426.46
8 $ 18,278.84 $ 394.79 $ 2,092.33 $ 2,487.12
9 $ 20,828.14 $ 456.97 $ 2,092.33 $ 2,549.30
10 $ 23,441.17 $ 520.70 $ 2,092.33 $ 2,613.03
11 $ 26,119.53 $ 586.03 $ 2,092.33 $ 2,678.36
12 $ 28,864.85 $ 652.99 $ 2,092.33 $ 2,745.32
13 $ 31,678.80 $ 721.62 $ 2,092.33 $ 2,813.95
14 $ 34,563.10 $ 791.97 $ 2,092.33 $ 2,884.30
15 $ 37,519.51 $ 864.08 $ 2,092.33 $ 2,956.41
16 $ 40,549.83 $ 937.99 $ 2,092.33 $ 3,030.32
17 $ 43,655.90 $ 1,013.75 $ 2,092.33 $ 3,106.08
18 $ 46,839.63 $ 1,091.40 $ 2,092.33 $ 3,183.73
19 $ 50,102.95 $ 1,170.99 $ 2,092.33 $ 3,263.32
20 $ 53,447.85 $ 1,252.57 $ 2,092.33 $ 3,344.90
21 $ 56,876.38 $ 1,336.20 $ 2,092.33 $ 3,428.53
22 $ 60,390.62 $ 1,421.91 $ 2,092.33 $ 3,514.24
23 $ 63,992.71 $ 1,509.77 $ 2,092.33 $ 3,602.10
24 $ 67,684.86 $ 1,599.82 $ 2,092.33 $ 3,692.15
25 $ 71,469.31 $ 1,692.12 $ 2,092.33 $ 3,784.45
26 $ 75,348.38 $ 1,786.73 $ 2,092.33 $ 3,879.06
27 $ 79,324.42 $ 1,883.71 $ 2,092.33 $ 3,976.04
28 $ 83,399.86 $ 1,983.11 $ 2,092.33 $ 4,075.44
29 $ 87,577.18 $ 2,085.00 $ 2,092.33 $ 4,177.33
30 $ 91,858.94 $ 2,189.43 $ 2,092.33 $ 4,281.76
31 $ 96,247.75 $ 2,296.47 $ 2,092.33 $ 4,388.80
32 $ 100,746.27 $ 2,406.19 $ 2,092.33 $ 4,498.52
33 $ 105,357.26 $ 2,518.66 $ 2,092.33 $ 4,610.99
34 $ 110,083.52 $ 2,633.93 $ 2,092.33 $ 4,726.26
35 $ 114,927.94 $ 2,752.09 $ 2,092.33 $ 4,844.42
36 $ 119,893.46 $ 2,873.20 $ 2,092.33 $ 4,965.53
37 $ 124,983.13 $ 2,997.34 $ 2,092.33 $ 5,089.67
38 $ 130,200.04 $ 3,124.58 $ 2,092.33 $ 5,216.91
39 $ 135,547.37 $ 3,255.00 $ 2,092.33 $ 5,347.33
40 $ 141,028.38 $ 3,388.68 $ 2,092.33 $ 5,481.01
41 $ 146,646.42 $ 3,525.71 $ 2,092.33 $ 5,618.04
42 $ 152,404.92 $ 3,666.16 $ 2,092.33 $ 5,758.49
43 $ 158,307.37 $ 3,810.12 $ 2,092.33 $ 5,902.45
44 $ 164,357.38 $ 3,957.68 $ 2,092.33 $ 6,050.01
45 $ 170,558.65 $ 4,108.93 $ 2,092.33 $ 6,201.26
46 $ 176,914.94 $ 4,263.97 $ 2,092.33 $ 6,356.30
47 $ 183,430.15 $ 4,422.87 $ 2,092.33 $ 6,515.20
48 $ 190,108.23 $ 4,585.75 $ 2,092.33 $ 6,678.08
49 $ 196,953.27 $ 4,752.71 $ 2,092.33 $ 6,845.04
50 $ 203,969.43 $ 4,923.83 $ 2,092.33 $ 7,016.16
51 $ 211,160.99 $ 5,099.24 $ 2,092.33 $ 7,191.57
52 $ 218,532.35 $ 5,279.02 $ 2,092.33 $ 7,371.35
53 $ 226,087.99 $ 5,463.31 $ 2,092.33 $ 7,555.64
54 $ 233,832.52 $ 5,652.20 $ 2,092.33 $ 7,744.53
55 $ 241,770.66 $ 5,845.81 $ 2,092.33 $ 7,938.14
56 $ 319,907.26 $ 6,044.27 $ 72,092.33 $ 78,136.60
57 $ 329,997.27 $ 7,997.68 $ 2,092.33 $ 10,090.01
 2.50%
0.00208333

Periodo Saldo Intereses Cuota Amortizacion

0 $ 3,000,000.00 $ 6,250.00 $ 6,250.00 $ 0.00
1 $ 2,916,666.67 $ 6,076.39 $ 89,409.72 $ 83,333.33
2 $ 2,833,333.33 $ 5,902.78 $ 89,236.11 $ 83,333.33
3 $ 2,750,000.00 $ 5,729.17 $ 89,062.50 $ 83,333.33
4 $ 2,666,666.67 $ 5,555.55 $ 88,888.89 $ 83,333.33
5 $ 2,583,333.33 $ 5,381.94 $ 88,715.28 $ 83,333.33
6 $ 2,500,000.00 $ 5,208.33 $ 88,541.67 $ 83,333.33
7 $ 2,416,666.67 $ 5,034.72 $ 88,368.05 $ 83,333.33
8 $ 2,333,333.33 $ 4,861.11 $ 88,194.44 $ 83,333.33
9 $ 2,250,000.00 $ 4,687.50 $ 88,020.83 $ 83,333.33
10 $ 2,166,666.67 $ 4,513.89 $ 87,847.22 $ 83,333.33
11 $ 2,083,333.33 $ 4,340.28 $ 87,673.61 $ 83,333.33
12 $ 2,000,000.00 $ 4,166.67 $ 87,500.00 $ 83,333.33
13 $ 1,916,666.67 $ 3,993.05 $ 87,326.39 $ 83,333.33
14 $ 1,833,333.33 $ 3,819.44 $ 87,152.78 $ 83,333.33
15 $ 1,750,000.00 $ 3,645.83 $ 86,979.17 $ 83,333.33
16 $ 1,666,666.67 $ 3,472.22 $ 86,805.55 $ 83,333.33
17 $ 1,583,333.33 $ 3,298.61 $ 86,631.94 $ 83,333.33
18 $ 1,500,000.00 $ 3,125.00 $ 86,458.33 $ 83,333.33
19 $ 1,416,666.67 $ 2,951.39 $ 86,284.72 $ 83,333.33
20 $ 1,333,333.33 $ 2,777.78 $ 86,111.11 $ 83,333.33
21 $ 1,250,000.00 $ 2,604.17 $ 85,937.50 $ 83,333.33
22 $ 1,166,666.67 $ 2,430.56 $ 85,763.89 $ 83,333.33
23 $ 1,083,333.33 $ 2,256.94 $ 85,590.28 $ 83,333.33
24 $ 1,000,000.00 $ 2,083.33 $ 85,416.67 $ 83,333.33
25 $ 916,666.67 $ 1,909.72 $ 85,243.06 $ 83,333.33
26 $ 833,333.33 $ 1,736.11 $ 85,069.44 $ 83,333.33
27 $ 750,000.00 $ 1,562.50 $ 84,895.83 $ 83,333.33
28 $ 666,666.67 $ 1,388.89 $ 84,722.22 $ 83,333.33
29 $ 583,333.33 $ 1,215.28 $ 84,548.61 $ 83,333.33
30 $ 500,000.00 $ 1,041.67 $ 84,375.00 $ 83,333.33
31 $ 416,666.67 $ 868.06 $ 84,201.39 $ 83,333.33
32 $ 333,333.33 $ 694.44 $ 84,027.78 $ 83,333.33
33 $ 250,000.00 $ 520.83 $ 83,854.17 $ 83,333.33
34 $ 166,666.67 $ 347.22 $ 83,680.56 $ 83,333.33
35 $ 83,333.33 $ 173.61 $ 83,506.94 $ 83,333.33
36 $ 0.00 $ 0.00 $ 83,333.33 $ 83,333.33
Periodo Saldo Intereses Cuota Amortizacion
0 $ 500,000.00 $ 0.00 $ 0.00 $ 0.00
1 $ 520,000.00 $ 20,000.00 $ 0.00 $ -20,000.00
2 $ 540,800.00 $ 20,800.00 $ 0.00 $ -20,800.00
3 $ 540,800.00 $ 21,632.00 $ 21,632.00 $ 0.00
4 $ 459,267.96 $ 21,632.00 $ 103,164.04 $ 81,532.04
5 $ 374,474.64 $ 18,370.72 $ 103,164.04 $ 84,793.32
6 $ 186,289.59 $ 14,978.99 $ 203,164.04 $ 188,185.05
7 $ 7,451.58 $ 193,741.18 $ 186,289.59
8
9

Periodo Saldo Intereses Cuota Amortizacion

0 $ 500,000.00 $ 0.00 $ 0.00 $ 0.00
1 $ 520,000.00 $ 20,000.00 $ 0.00 $ -20,000.00
2 $ 540,800.00 $ 20,800.00 $ 0.00 $ -20,800.00
3 $ 540,800.00 $ 21,632.00 $ 21,632.00 $ 0.00
4 $ 459,267.96 $ 21,632.00 $ 103,164.04 $ 81,532.04
5 $ 374,474.64 $ 18,370.72 $ 103,164.04 $ 84,793.32
6 $ 286,289.59 $ 14,978.99 $ 103,164.04 $ 88,185.05
7 $ 194,577.14 $ 11,451.58 $ 103,164.04 $ 91,712.45
8 $ 99,196.19 $ 7,783.09 $ 103,164.04 $ 95,380.95
9 $ -0.00 $ 3,967.85 $ 103,164.04 $ 99,196.19