Hoja1ANGEL LUIS ARIAS HIDALGOUNIVERSIDAD INTERAMERICANA PARA EL DESARROLLOMTRA. MARIA DOLORES NAVA GONZALEZ

PRESTAMOS BANCARIOS O HIPOTECARIOSEJEMPLO DE AMORTIZACION DE CREDITO HIPOTECARIOADQUIRIMOS UN CREDITO HIPOTECARIO CON EL BANCO NACIONAL DE MEXICO A UNA TASA PREFERENCIAL DEL 26 % ANUAL CON DURACION DE 20 AOSEL MONTO DEL CREDITO ESTA EN 750,000 PESOS. LAS CONDICIONES DEL CREDITO SON :1.- LOS PAGOS SERAN DE 3500 PESOS MENSUALES2.- EL CREDITO SERA SOBRE SALDOS INSOLUTOS(INTERESES MAS CAPITAL)195,000.003.- CADA 5 AOS SE PODRA ABONAR AL CAPITAL LA CANTIDAD QUE SE DESEECADA MES PAGARIA DE INTERES16,250.004.- CADA AO LA MENSUAIDAD PAGAR AUMENTA UN 25 %CAPITAL750000MESES12.00INTERES 26%NCAPITALINTERESES DEL MESPAGOSSALDOS INSOLUTOJULIO1750,000.0016,250.003,500.00762,750.00350097,500.00875AGOSTO2762,750.0016,526.253,500.00775,776.2521000875SEPTIEMBRE3775,776.2516,808.493,500.00789,084.7476,500.00OCTUBRE4789,084.7417,096.843,500.00802,681.57NOVIEMBRE5802,681.5717,391.433,500.00816,573.01DICIEMBRE6816,573.0117,692.423,500.00830,765.421ENERO7830,765.4217,999.924,375.00844,390.34FEBRERO8844,390.3418,295.124,375.00858,310.46MARZO9858,310.4618,596.734,375.00872,532.19ABRIL10872,532.1918,904.864,375.00887,062.05MAYO11887,062.0519,219.684,375.00901,906.73JUNIO12901,906.7319,541.314,375.00917,073.041JULIO13917,073.0419,869.924,375.00932,567.96AGOSTO14932,567.9620,205.644,375.00948,398.60SEPTIEMBRE15948,398.6020,548.644,375.00964,572.23OCTUBRE16964,572.2320,899.074,375.00981,096.30NOVIEMBRE17981,096.3021,257.094,375.00997,978.391,093.75DICIEMBRE18997,978.3921,622.874,375.001,015,226.255,468.752ENERO191,015,226.2521,996.575,468.751,031,754.07FEBRERO201,031,754.0722,354.675,468.751,048,639.99MARZO211,048,639.9922,720.535,468.751,065,891.77ABRIL221,065,891.7723,094.325,468.751,083,517.35MAYO231,083,517.3523,476.215,468.751,101,524.81JUNIO241,101,524.8123,866.375,468.751,119,922.432JULIO251,119,922.4324,264.995,468.751,138,718.66AGOSTO261,138,718.6624,672.245,468.751,157,922.15SEPTIEMBRE271,157,922.1525,088.315,468.751,177,541.71OCTUBRE281,177,541.7125,513.405,468.751,197,586.37NOVIEMBRE291,197,586.3725,947.705,468.751,218,065.32DICIEMBRE301,218,065.3226,391.425,468.751,238,987.991,367.193ENERO311,238,987.9926,844.746,835.941,258,996.796,835.94FEBRERO321,258,996.7927,278.266,835.941,279,439.11MARZO331,279,439.1127,721.186,835.941,300,324.35ABRIL341,300,324.3528,173.696,835.941,321,662.10MAYO351,321,662.1028,636.016,835.941,343,462.18JUNIO361,343,462.1829,108.356,835.941,365,734.583JULIO371,365,734.5829,590.926,835.941,388,489.56AGOSTO381,388,489.5630,083.946,835.941,411,737.56SEPTIEMBRE391,411,737.5630,587.656,835.941,435,489.27OCTUBRE401,435,489.2731,102.276,835.941,459,755.60NOVIEMBRE411,459,755.6031,628.046,835.941,484,547.69DICIEMBRE421,484,547.6932,165.206,835.941,509,876.951,708.994ENERO431,509,876.9532,714.008,544.931,534,046.028,544.93FEBRERO441,534,046.0233,237.668,544.931,558,738.76MARZO451,558,738.7633,772.678,544.931,583,966.50ABRIL461,583,966.5034,319.278,544.931,609,740.85MAYO471,609,740.8534,877.728,544.931,636,073.63JUNIO481,636,073.6335,448.268,544.931,662,976.974JULIO491,662,976.9736,031.178,544.931,690,463.20AGOSTO501,690,463.2036,626.708,544.931,718,544.98SEPTIEMBRE511,718,544.9837,235.148,544.931,747,235.19OCTUBRE521,747,235.1937,856.768,544.931,776,547.02NOVIEMBRE531,776,547.0238,491.858,544.931,806,493.94DICIEMBRE541,806,493.9439,140.708,544.931,837,089.712,136.235ENERO551,837,089.7139,803.6110,681.161,866,212.1610,681.16FEBRERO561,866,212.1640,434.6010,681.161,895,965.60MARZO571,895,965.6041,079.2510,681.161,926,363.70ABRIL581,926,363.7041,737.8810,681.161,957,420.42MAYO591,957,420.4242,410.7810,681.161,989,150.03JUNIO601,989,150.0343,098.2510,681.162,021,567.125JULIO612,021,567.1243,800.6210,681.162,054,686.58AGOSTO622,054,686.5844,518.2160,681.162,038,523.63SEPTIEMBRE632,038,523.6344,168.0110,681.162,072,010.48OCTUBRE642,072,010.4844,893.5610,681.162,106,222.88NOVIEMBRE652,106,222.8845,634.8310,681.162,141,176.55DICIEMBRE662,141,176.5546,392.1610,681.162,176,887.552,670.296ENERO672,176,887.5547,165.9013,351.452,210,702.0013,351.45FEBRERO682,210,702.0047,898.5413,351.452,245,249.09MARZO692,245,249.0948,647.0613,351.452,280,544.71ABRIL702,280,544.7149,411.8013,351.452,316,605.06MAYO712,316,605.0650,193.1113,351.452,353,446.72JUNIO722,353,446.7250,991.3513,351.452,391,086.616JULIO732,391,086.6151,806.8813,351.452,429,542.04AGOSTO742,429,542.0452,640.0813,351.452,468,830.67SEPTIEMBRE752,468,830.6753,491.3313,351.452,508,970.55OCTUBRE762,508,970.5554,361.0313,351.452,549,980.13NOVIEMBRE772,549,980.1355,249.5713,351.452,591,878.25DICIEMBRE782,591,878.2556,157.3613,351.452,634,684.163,337.867ENERO792,634,684.1657,084.8216,689.312,675,079.6716,689.31FEBRERO802,675,079.6757,960.0616,689.312,716,350.42MARZO812,716,350.4258,854.2616,689.312,758,515.37ABRIL822,758,515.3759,767.8316,689.312,801,593.89MAYO832,801,593.8960,701.2016,689.312,845,605.78JUNIO842,845,605.7861,654.7916,689.312,890,571.267JULIO852,890,571.2662,629.0416,689.312,936,511.00AGOSTO862,936,511.0063,624.4016,689.312,983,446.09SEPTIEMBRE872,983,446.0964,641.3316,689.313,031,398.12OCTUBRE883,031,398.1265,680.2916,689.313,080,389.10NOVIEMBRE893,080,389.1066,741.7616,689.313,130,441.55DICIEMBRE903,130,441.5567,826.2316,689.313,181,578.484,172.338ENERO913,181,578.4868,934.2020,861.643,229,651.0420,861.64FEBRERO923,229,651.0469,975.7720,861.643,278,765.17MARZO933,278,765.1771,039.9120,861.643,328,943.44ABRIL943,328,943.4472,127.1120,861.643,380,208.91MAYO953,380,208.9173,237.8620,861.643,432,585.13JUNIO963,432,585.1374,372.6820,861.643,486,096.178JULIO973,486,096.1775,532.0820,861.643,540,766.61AGOSTO983,540,766.6176,716.6120,861.643,596,621.58SEPTIEMBRE993,596,621.5877,926.8020,861.643,653,686.74OCTUBRE1003,653,686.7479,163.2120,861.643,711,988.32NOVIEMBRE1013,711,988.3280,426.4120,861.643,771,553.09DICIEMBRE1023,771,553.0981,716.9820,861.643,832,408.435,215.419ENERO1033,832,408.4383,035.5226,077.053,889,366.9026,077.05FEBRERO1043,889,366.9084,269.6226,077.053,947,559.47MARZO1053,947,559.4785,530.4626,077.054,007,012.87ABRIL1064,007,012.8786,818.6126,077.054,067,754.43MAYO1074,067,754.4388,134.6826,077.054,129,812.06JUNIO1084,129,812.0689,479.2626,077.054,193,214.279JULIO1094,193,214.2790,852.9826,077.054,257,990.20AGOSTO1104,257,990.2092,256.4526,077.054,324,169.60SEPTIEMBRE1114,324,169.6093,690.3426,077.054,391,782.89OCTUBRE1124,391,782.8995,155.3026,077.054,460,861.14NOVIEMBRE1134,460,861.1496,651.9926,077.054,531,436.08DICIEMBRE1144,531,436.0898,181.1226,077.054,603,540.156,519.2610ENERO1154,603,540.1599,743.3732,596.314,670,687.2032,596.31FEBRERO1164,670,687.20101,198.2232,596.314,739,289.12MARZO1174,739,289.12102,684.6032,596.314,809,377.40ABRIL1184,809,377.40104,203.1832,596.314,880,984.26MAYO1194,880,984.26105,754.6632,596.314,954,142.61JUNIO1204,954,142.61107,339.7632,596.315,028,886.0610JULIO1215,028,886.06108,959.2032,596.315,105,248.94AGOSTO1225,105,248.94110,613.7382,596.315,133,266.36SEPTIEMBRE1235,133,266.36111,220.7732,596.315,211,890.81OCTUBRE1245,211,890.81112,924.3032,596.315,292,218.80NOVIEMBRE1255,292,218.80114,664.7432,596.315,374,287.23DICIEMBRE1265,374,287.23116,442.8932,596.315,458,133.81

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