Matemática Financiera - Marcha Progresiva. Amortización Préstamos

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Sistema Francés - Marcha Progresiva PV $ 62,000.00 n 120 cuotas mensuales i 0.99% efectivo mensual T.N.A. 12.00% PV=PMT*a(1;n;i) PMT= $ 883.64 Cuota Interés períodico p PMT I(p-1;p) cp I(0;p) Cp PVp 0 - - - - - $ 62,000.00 1 $ 883.64 $ 611.51 $ 272.13 $ 611.51 $ 272.13 $ 61,727.87 2 $ 883.64 $ 608.82 $ 274.82 $ 1,220.33 $ 546.95 $ 61,453.05 3 $ 883.64 $ 606.11 $ 277.53 $ 1,826.44 $ 824.47 $ 61,175.53 4 $ 883.64 $ 603.38 $ 280.26 $ 2,429.82 $ 1,104.74 $ 60,895.26 5 $ 883.64 $ 600.61 $ 283.03 $ 3,030.43 $ 1,387.76 $ 60,612.24 6 $ 883.64 $ 597.82 $ 285.82 $ 3,628.25 $ 1,673.58 $ 60,326.42 7 $ 883.64 $ 595.00 $ 288.64 $ 4,223.25 $ 1,962.22 $ 60,037.78 8 $ 883.64 $ 592.15 $ 291.48 $ 4,815.40 $ 2,253.70 $ 59,746.30 9 $ 883.64 $ 589.28 $ 294.36 $ 5,404.68 $ 2,548.06 $ 59,451.94 10 $ 883.64 $ 586.38 $ 297.26 $ 5,991.05 $ 2,845.33 $ 59,154.67 11 $ 883.64 $ 583.44 $ 300.19 $ 6,574.50 $ 3,145.52 $ 58,854.48 12 $ 883.64 $ 580.48 $ 303.16 $ 7,154.98 $ 3,448.68 $ 58,551.32 13 $ 883.64 $ 577.49 $ 306.15 $ 7,732.47 $ 3,754.82 $ 58,245.18 14 $ 883.64 $ 574.47 $ 309.17 $ 8,306.95 $ 4,063.99 $ 57,936.01 15 $ 883.64 $ 571.42 $ 312.21 $ 8,878.37 $ 4,376.20 $ 57,623.80 16 $ 883.64 $ 568.34 $ 315.29 $ 9,446.71 $ 4,691.50 $ 57,308.50 17 $ 883.64 $ 565.23 $ 318.40 $10,011.95 $ 5,009.90 $ 56,990.10 18 $ 883.64 $ 562.09 $ 321.54 $10,574.04 $ 5,331.44 $ 56,668.56 19 $ 883.64 $ 558.92 $ 324.72 $11,132.97 $ 5,656.16 $ 56,343.84 20 $ 883.64 $ 555.72 $ 327.92 $11,688.69 $ 5,984.08 $ 56,015.92 21 $ 883.64 $ 552.49 $ 331.15 $12,241.17 $ 6,315.23 $ 55,684.77 22 $ 883.64 $ 549.22 $ 334.42 $12,790.39 $ 6,649.65 $ 55,350.35 23 $ 883.64 $ 545.92 $ 337.72 $13,336.31 $ 6,987.36 $ 55,012.64 24 $ 883.64 $ 542.59 $ 341.05 $13,878.90 $ 7,328.41 $ 54,671.59 25 $ 883.64 $ 539.23 $ 344.41 $14,418.13 $ 7,672.82 $ 54,327.18 26 $ 883.64 $ 535.83 $ 347.81 $14,953.96 $ 8,020.63 $ 53,979.37 27 $ 883.64 $ 532.40 $ 351.24 $15,486.36 $ 8,371.87 $ 53,628.13 28 $ 883.64 $ 528.93 $ 354.70 $16,015.29 $ 8,726.57 $ 53,273.43 29 $ 883.64 $ 525.44 $ 358.20 $16,540.73 $ 9,084.78 $ 52,915.22 30 $ 883.64 $ 521.90 $ 361.73 $17,062.63 $ 9,446.51 $ 52,553.49 31 $ 883.64 $ 518.34 $ 365.30 $17,580.97 $ 9,811.81 $ 52,188.19 32 $ 883.64 $ 514.73 $ 368.91 $18,095.70 $10,180.72 $ 51,819.28 33 $ 883.64 $ 511.09 $ 372.54 $18,606.80 $10,553.26 $ 51,446.74 34 $ 883.64 $ 507.42 $ 376.22 $19,114.22 $10,929.48 $ 51,070.52 35 $ 883.64 $ 503.71 $ 379.93 $19,617.93 $11,309.41 $ 50,690.59 36 $ 883.64 $ 499.96 $ 383.68 $20,117.89 $11,693.09 $ 50,306.91 37 $ 883.64 $ 496.18 $ 387.46 $20,614.07 $12,080.55 $ 49,919.45 38 $ 883.64 $ 492.36 $ 391.28 $21,106.42 $12,471.83 $ 49,528.17 39 $ 883.64 $ 488.50 $ 395.14 $21,594.92 $12,866.97 $ 49,133.03 40 $ 883.64 $ 484.60 $ 399.04 $22,079.52 $13,266.01 $ 48,733.99 41 $ 883.64 $ 480.66 $ 402.97 $22,560.18 $13,668.98 $ 48,331.02 42 $ 883.64 $ 476.69 $ 406.95 $23,036.87 $14,075.93 $ 47,924.07 43 $ 883.64 $ 472.68 $ 410.96 $23,509.55 $14,486.89 $ 47,513.11 44 $ 883.64 $ 468.62 $ 415.02 $23,978.17 $14,901.91 $ 47,098.09 45 $ 883.64 $ 464.53 $ 419.11 $24,442.70 $15,321.02 $ 46,678.98 46 $ 883.64 $ 460.40 $ 423.24 $24,903.09 $15,744.26 $ 46,255.74 47 $ 883.64 $ 456.22 $ 427.42 $25,359.32 $16,171.68 $ 45,828.32 48 $ 883.64 $ 452.01 $ 431.63 $25,811.32 $16,603.31 $ 45,396.69 49 $ 883.64 $ 447.75 $ 435.89 $26,259.07 $17,039.20 $ 44,960.80 50 $ 883.64 $ 443.45 $ 440.19 $26,702.52 $17,479.39 $ 44,520.61 51 $ 883.64 $ 439.11 $ 444.53 $27,141.63 $17,923.92 $ 44,076.08 52 $ 883.64 $ 434.72 $ 448.92 $27,576.35 $18,372.83 $ 43,627.17 53 $ 883.64 $ 430.30 $ 453.34 $28,006.64 $18,826.18 $ 43,173.82 Amortizació n periódica Interés acumulado Amortización acumulada Saldo de deuda

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Transcript of Matemática Financiera - Marcha Progresiva. Amortización Préstamos

MarchaSistema Francs - Marcha ProgresivaSistema Alemn - Marcha ProgresivaTasa directa cargada - Marcha ProgresivaPV$62,000.00PV$62,000.00PV$100,000.00n120cuotas mensualesn120cuotas mensualesn12cuotas mensualesi0.99%efectivo mensualT.N.A.12.00%i1.06%efectivo mensualT.N.A.12.90%r0.05%efectivo mensualPV=PMT*a(1;n;i)PMTPV/n[1+i(n-p+1)]PMT=$8,383.33PV/n+PV*rPMT=$883.64CuotaInters perodicoAmortizacin peridicaInters acumuladoAmortizacin acumuladaSaldo de deudaCuotaInters perodicoAmortizacin peridicaInters acumuladoAmortizacin acumuladaSaldo de deudaCuotaInters perodicoAmortizacin peridicaInters acumuladoAmortizacin acumuladaSaldo de deudapPMTI(p-1;p)cpI(0;p)CpPVppPMTI(p-1;p)cpI(0;p)CpPVppPMTI(p-1;p)cpI(0;p)CpPVp0-----$62,000.000$62,000.000$100,000.001$883.64$611.51$272.13$611.51$272.13$61,727.871$1,174.04$657.37$516.67$657.37$516.67$61,483.331$8,383.33$50.00$8,333.33$50.00$8,333.33$91,666.672$883.64$608.82$274.82$1,220.33$546.95$61,453.052$1,168.56$651.89$516.67$1,309.26$1,033.33$60,966.672$8,383.33$50.00$8,333.33$100.00$16,666.67$83,333.333$883.64$606.11$277.53$1,826.44$824.47$61,175.533$1,163.08$646.41$516.67$1,955.68$1,550.00$60,450.003$8,383.33$50.00$8,333.33$150.00$25,000.00$75,000.004$883.64$603.38$280.26$2,429.82$1,104.74$60,895.264$1,157.60$640.94$516.67$2,596.61$2,066.67$59,933.334$8,383.33$50.00$8,333.33$200.00$33,333.33$66,666.675$883.64$600.61$283.03$3,030.43$1,387.76$60,612.245$1,152.12$635.46$516.67$3,232.07$2,583.33$59,416.675$8,383.33$50.00$8,333.33$250.00$41,666.67$58,333.336$883.64$597.82$285.82$3,628.25$1,673.58$60,326.426$1,146.65$629.98$516.67$3,862.05$3,100.00$58,900.006$8,383.33$50.00$8,333.33$300.00$50,000.00$50,000.007$883.64$595.00$288.64$4,223.25$1,962.22$60,037.787$1,141.17$624.50$516.67$4,486.55$3,616.67$58,383.337$8,383.33$50.00$8,333.33$350.00$58,333.33$41,666.678$883.64$592.15$291.48$4,815.40$2,253.70$59,746.308$1,135.69$619.02$516.67$5,105.57$4,133.33$57,866.678$8,383.33$50.00$8,333.33$400.00$66,666.67$33,333.339$883.64$589.28$294.36$5,404.68$2,548.06$59,451.949$1,130.21$613.55$516.67$5,719.12$4,650.00$57,350.009$8,383.33$50.00$8,333.33$450.00$75,000.00$25,000.0010$883.64$586.38$297.26$5,991.05$2,845.33$59,154.6710$1,124.73$608.07$516.67$6,327.18$5,166.67$56,833.3310$8,383.33$50.00$8,333.33$500.00$83,333.33$16,666.6711$883.64$583.44$300.19$6,574.50$3,145.52$58,854.4811$1,119.26$602.59$516.67$6,929.77$5,683.33$56,316.6711$8,383.33$50.00$8,333.33$550.00$91,666.67$8,333.3312$883.64$580.48$303.16$7,154.98$3,448.68$58,551.3212$1,113.78$597.11$516.67$7,526.88$6,200.00$55,800.0012$8,383.33$50.00$8,333.33$600.00$100,000.000.013$883.64$577.49$306.15$7,732.47$3,754.82$58,245.1813$1,108.30$591.63$516.67$8,118.52$6,716.67$55,283.3314$883.64$574.47$309.17$8,306.95$4,063.99$57,936.0114$1,102.82$586.15$516.67$8,704.67$7,233.33$54,766.6715$883.64$571.42$312.21$8,878.37$4,376.20$57,623.8015$1,097.34$580.68$516.67$9,285.35$7,750.00$54,250.0016$883.64$568.34$315.29$9,446.71$4,691.50$57,308.5016$1,091.87$575.20$516.67$9,860.55$8,266.67$53,733.3317$883.64$565.23$318.40$10,011.95$5,009.90$56,990.1017$1,086.39$569.72$516.67$10,430.27$8,783.33$53,216.6718$883.64$562.09$321.54$10,574.04$5,331.44$56,668.5618$1,080.91$564.24$516.67$10,994.51$9,300.00$52,700.0019$883.64$558.92$324.72$11,132.97$5,656.16$56,343.8419$1,075.43$558.76$516.67$11,553.28$9,816.67$52,183.3320$883.64$555.72$327.92$11,688.69$5,984.08$56,015.9220$1,069.95$553.29$516.67$12,106.56$10,333.33$51,666.6721$883.64$552.49$331.15$12,241.17$6,315.23$55,684.7721$1,064.47$547.81$516.67$12,654.37$10,850.00$51,150.0022$883.64$549.22$334.42$12,790.39$6,649.65$55,350.3522$1,059.00$542.33$516.67$13,196.70$11,366.67$50,633.3323$883.64$545.92$337.72$13,336.31$6,987.36$55,012.6423$1,053.52$536.85$516.67$13,733.55$11,883.33$50,116.6724$883.64$542.59$341.05$13,878.90$7,328.41$54,671.5924$1,048.04$531.37$516.67$14,264.93$12,400.00$49,600.0025$883.64$539.23$344.41$14,418.13$7,672.82$54,327.1825$1,042.56$525.90$516.67$14,790.82$12,916.67$49,083.3326$883.64$535.83$347.81$14,953.96$8,020.63$53,979.3726$1,037.08$520.42$516.67$15,311.24$13,433.33$48,566.6727$883.64$532.40$351.24$15,486.36$8,371.87$53,628.1327$1,031.61$514.94$516.67$15,826.18$13,950.00$48,050.0028$883.64$528.93$354.70$16,015.29$8,726.57$53,273.4328$1,026.13$509.46$516.67$16,335.64$14,466.67$47,533.3329$883.64$525.44$358.20$16,540.73$9,084.78$52,915.2229$1,020.65$503.98$516.67$16,839.62$14,983.33$47,016.6730$883.64$521.90$361.73$17,062.63$9,446.51$52,553.4930$1,015.17$498.51$516.67$17,338.13$15,500.00$46,500.0031$883.64$518.34$365.30$17,580.97$9,811.81$52,188.1931$1,009.69$493.03$516.67$17,831.16$16,016.67$45,983.3332$883.64$514.73$368.91$18,095.70$10,180.72$51,819.2832$1,004.22$487.55$516.67$18,318.71$16,533.33$45,466.6733$883.64$511.09$372.54$18,606.80$10,553.26$51,446.7433$998.74$482.07$516.67$18,800.78$17,050.00$44,950.0034$883.64$507.42$376.22$19,114.22$10,929.48$51,070.5234$993.26$476.59$516.67$19,277.37$17,566.67$44,433.3335$883.64$503.71$379.93$19,617.93$11,309.41$50,690.5935$987.78$471.12$516.67$19,748.49$18,083.33$43,916.6736$883.64$499.96$383.68$20,117.89$11,693.09$50,306.9136$982.30$465.64$516.67$20,214.12$18,600.00$43,400.0037$883.64$496.18$387.46$20,614.07$12,080.55$49,919.4537$976.83$460.16$516.67$20,674.28$19,116.67$42,883.3338$883.64$492.36$391.28$21,106.42$12,471.83$49,528.1738$971.35$454.68$516.67$21,128.96$19,633.33$42,366.6739$883.64$488.50$395.14$21,594.92$12,866.97$49,133.0339$965.87$449.20$516.67$21,578.17$20,150.00$41,850.0040$883.64$484.60$399.04$22,079.52$13,266.01$48,733.9940$960.39$443.72$516.67$22,021.89$20,666.67$41,333.3341$883.64$480.66$402.97$22,560.18$13,668.98$48,331.0241$954.91$438.25$5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Hoja2

Hoja3