primerprestamo

Principal 500,000Años 10i 10%

Año Anualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,000.001 81,372.70 50,000.00 31,372.70 468,627.30 31,372.702 81,372.70 46,862.73 34,509.97 434,117.34 65,882.663 81,372.70 43,411.73 37,960.96 396,156.37 103,843.634 81,372.70 39,615.64 41,757.06 354,399.31 145,600.695 81,372.70 35,439.93 45,932.77 308,466.54 191,533.466 81,372.70 30,846.65 50,526.04 257,940.50 242,059.507 81,372.70 25,794.05 55,578.65 202,361.85 297,638.158 81,372.70 20,236.19 61,136.51 141,225.34 358,774.669 81,372.70 14,122.53 67,250.16 73,975.18 426,024.82

10 81,372.70 7,397.52 73,975.18 0.00 500,000.00

Cuadro de Amortización de un Préstamo Francés (a=cte)

aTérmino amortizativoa = I

s

+As

Is

Cuota de interesesIs = i·C

s-1A

s

Cuota de amortización

Cs

Capital Vivo

MsCapital amortizadoes el acumulado de la cuota de amortización

Cuadro de Amortización de un Préstamo Francés

Principal 500,000Años 10i 10%

a 81,372.70 €

Año Anualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,000.001 81,372.70 50,000.00 31,372.70 468,627.30 31,372.702 81,372.70 46,862.73 34,509.97 434,117.34 65,882.663 81,372.70 43,411.73 37,960.96 396,156.37 103,843.634 81,372.70 39,615.64 41,757.06 354,399.31 145,600.695 81,372.70 35,439.93 45,932.77 308,466.54 191,533.466 81,372.70 30,846.65 50,526.04 257,940.50 242,059.507 81,372.70 25,794.05 55,578.65 202,361.85 297,638.158 81,372.70 20,236.19 61,136.51 141,225.34 358,774.669 81,372.70 14,122.53 67,250.16 73,975.18 426,024.82

10 81,372.70 7,397.52 73,975.18 0.00 500,000.00

Cuadro de Amortización de un Préstamo Francés mensual

Principal 500,000Años 25Meses 300

6%

0.50%

Mes Mensualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,000.001 3,221.51 2,500.00 721.51 499,278.49 721.512 3,221.51 2,496.39 725.11 498,553.38 1,446.623 3,221.51 2,492.77 728.74 497,824.64 2,175.364 3,221.51 2,489.12 732.38 497,092.25 2,907.755 3,221.51 2,485.46 736.05 496,356.21 3,643.796 3,221.51 2,481.78 739.73 495,616.48 4,383.527 3,221.51 2,478.08 743.42 494,873.06 5,126.948 3,221.51 2,474.37 747.14 494,125.92 5,874.089 3,221.51 2,470.63 750.88 493,375.04 6,624.96

10 3,221.51 2,466.88 754.63 492,620.41 7,379.5911 3,221.51 2,463.10 758.40 491,862.00 8,138.0012 3,221.51 2,459.31 762.20 491,099.81 8,900.1913 3,221.51 2,455.50 766.01 490,333.80 9,666.2014 3,221.51 2,451.67 769.84 489,563.96 10,436.0415 3,221.51 2,447.82 773.69 488,790.27 11,209.7316 3,221.51 2,443.95 777.56 488,012.72 11,987.2817 3,221.51 2,440.06 781.44 487,231.27 12,768.7318 3,221.51 2,436.16 785.35 486,445.92 13,554.0819 3,221.51 2,432.23 789.28 485,656.64 14,343.3620 3,221.51 2,428.28 793.22 484,863.42 15,136.5821 3,221.51 2,424.32 797.19 484,066.23 15,933.7722 3,221.51 2,420.33 801.18 483,265.06 16,734.9423 3,221.51 2,416.33 805.18 482,459.87 17,540.1324 3,221.51 2,412.30 809.21 481,650.67 18,349.3325 3,221.51 2,408.25 813.25 480,837.41 19,162.5926 3,221.51 2,404.19 817.32 480,020.09 19,979.9127 3,221.51 2,400.10 821.41 479,198.69 20,801.3128 3,221.51 2,395.99 825.51 478,373.17 21,626.8329 3,221.51 2,391.87 829.64 477,543.53 22,456.4730 3,221.51 2,387.72 833.79 476,709.74 23,290.2631 3,221.51 2,383.55 837.96 475,871.78 24,128.2232 3,221.51 2,379.36 842.15 475,029.64 24,970.3633 3,221.51 2,375.15 846.36 474,183.28 25,816.7234 3,221.51 2,370.92 850.59 473,332.69 26,667.3135 3,221.51 2,366.66 854.84 472,477.84 27,522.1636 3,221.51 2,362.39 859.12 471,618.72 28,381.2837 3,221.51 2,358.09 863.41 470,755.31 29,244.6938 3,221.51 2,353.78 867.73 469,887.58 30,112.4239 3,221.51 2,349.44 872.07 469,015.51 30,984.4940 3,221.51 2,345.08 876.43 468,139.08 31,860.9241 3,221.51 2,340.70 880.81 467,258.27 32,741.7342 3,221.51 2,336.29 885.22 466,373.05 33,626.9543 3,221.51 2,331.87 889.64 465,483.41 34,516.5944 3,221.51 2,327.42 894.09 464,589.32 35,410.68

j12

i12=PAGO($C$8;$C$6;-$C$4)

45 3,221.51 2,322.95 898.56 463,690.76 36,309.2446 3,221.51 2,318.45 903.05 462,787.71 37,212.2947 3,221.51 2,313.94 907.57 461,880.14 38,119.8648 3,221.51 2,309.40 912.11 460,968.03 39,031.9749 3,221.51 2,304.84 916.67 460,051.37 39,948.6350 3,221.51 2,300.26 921.25 459,130.12 40,869.8851 3,221.51 2,295.65 925.86 458,204.26 41,795.7452 3,221.51 2,291.02 930.49 457,273.78 42,726.2253 3,221.51 2,286.37 935.14 456,338.64 43,661.3654 3,221.51 2,281.69 939.81 455,398.82 44,601.1855 3,221.51 2,276.99 944.51 454,454.31 45,545.6956 3,221.51 2,272.27 949.24 453,505.08 46,494.9257 3,221.51 2,267.53 953.98 452,551.09 47,448.9158 3,221.51 2,262.76 958.75 451,592.34 48,407.6659 3,221.51 2,257.96 963.55 450,628.80 49,371.2060 3,221.51 2,253.14 968.36 449,660.43 50,339.5761 3,221.51 2,248.30 973.20 448,687.23 51,312.7762 3,221.51 2,243.44 978.07 447,709.16 52,290.8463 3,221.51 2,238.55 982.96 446,726.20 53,273.8064 3,221.51 2,233.63 987.88 445,738.32 54,261.6865 3,221.51 2,228.69 992.82 444,745.51 55,254.4966 3,221.51 2,223.73 997.78 443,747.73 56,252.2767 3,221.51 2,218.74 1,002.77 442,744.96 57,255.0468 3,221.51 2,213.72 1,007.78 441,737.18 58,262.8269 3,221.51 2,208.69 1,012.82 440,724.35 59,275.6570 3,221.51 2,203.62 1,017.89 439,706.47 60,293.5371 3,221.51 2,198.53 1,022.97 438,683.49 61,316.5172 3,221.51 2,193.42 1,028.09 437,655.41 62,344.5973 3,221.51 2,188.28 1,033.23 436,622.18 63,377.8274 3,221.51 2,183.11 1,038.40 435,583.78 64,416.2275 3,221.51 2,177.92 1,043.59 434,540.19 65,459.8176 3,221.51 2,172.70 1,048.81 433,491.38 66,508.6277 3,221.51 2,167.46 1,054.05 432,437.33 67,562.6778 3,221.51 2,162.19 1,059.32 431,378.01 68,621.9979 3,221.51 2,156.89 1,064.62 430,313.40 69,686.6080 3,221.51 2,151.57 1,069.94 429,243.46 70,756.5481 3,221.51 2,146.22 1,075.29 428,168.17 71,831.8382 3,221.51 2,140.84 1,080.67 427,087.50 72,912.5083 3,221.51 2,135.44 1,086.07 426,001.43 73,998.5784 3,221.51 2,130.01 1,091.50 424,909.93 75,090.0785 3,221.51 2,124.55 1,096.96 423,812.97 76,187.0386 3,221.51 2,119.06 1,102.44 422,710.53 77,289.4787 3,221.51 2,113.55 1,107.95 421,602.58 78,397.4288 3,221.51 2,108.01 1,113.49 420,489.08 79,510.9289 3,221.51 2,102.45 1,119.06 419,370.02 80,629.9890 3,221.51 2,096.85 1,124.66 418,245.37 81,754.6391 3,221.51 2,091.23 1,130.28 417,115.09 82,884.9192 3,221.51 2,085.58 1,135.93 415,979.15 84,020.8593 3,221.51 2,079.90 1,141.61 414,837.54 85,162.4694 3,221.51 2,074.19 1,147.32 413,690.22 86,309.7895 3,221.51 2,068.45 1,153.06 412,537.17 87,462.8396 3,221.51 2,062.69 1,158.82 411,378.35 88,621.6597 3,221.51 2,056.89 1,164.62 410,213.73 89,786.2798 3,221.51 2,051.07 1,170.44 409,043.29 90,956.71

99 3,221.51 2,045.22 1,176.29 407,867.00 92,133.00100 3,221.51 2,039.34 1,182.17 406,684.83 93,315.17101 3,221.51 2,033.42 1,188.08 405,496.75 94,503.25102 3,221.51 2,027.48 1,194.02 404,302.72 95,697.28103 3,221.51 2,021.51 1,199.99 403,102.73 96,897.27104 3,221.51 2,015.51 1,205.99 401,896.74 98,103.26105 3,221.51 2,009.48 1,212.02 400,684.71 99,315.29106 3,221.51 2,003.42 1,218.08 399,466.63 100,533.37107 3,221.51 1,997.33 1,224.17 398,242.46 101,757.54108 3,221.51 1,991.21 1,230.29 397,012.16 102,987.84109 3,221.51 1,985.06 1,236.45 395,775.72 104,224.28110 3,221.51 1,978.88 1,242.63 394,533.09 105,466.91111 3,221.51 1,972.67 1,248.84 393,284.25 106,715.75112 3,221.51 1,966.42 1,255.09 392,029.16 107,970.84113 3,221.51 1,960.15 1,261.36 390,767.80 109,232.20114 3,221.51 1,953.84 1,267.67 389,500.13 110,499.87115 3,221.51 1,947.50 1,274.01 388,226.12 111,773.88116 3,221.51 1,941.13 1,280.38 386,945.75 113,054.25117 3,221.51 1,934.73 1,286.78 385,658.97 114,341.03118 3,221.51 1,928.29 1,293.21 384,365.76 115,634.24119 3,221.51 1,921.83 1,299.68 383,066.08 116,933.92120 3,221.51 1,915.33 1,306.18 381,759.90 118,240.10121 3,221.51 1,908.80 1,312.71 380,447.20 119,552.80122 3,221.51 1,902.24 1,319.27 379,127.92 120,872.08123 3,221.51 1,895.64 1,325.87 377,802.06 122,197.94124 3,221.51 1,889.01 1,332.50 376,469.56 123,530.44125 3,221.51 1,882.35 1,339.16 375,130.40 124,869.60126 3,221.51 1,875.65 1,345.86 373,784.55 126,215.45127 3,221.51 1,868.92 1,352.58 372,431.96 127,568.04128 3,221.51 1,862.16 1,359.35 371,072.61 128,927.39129 3,221.51 1,855.36 1,366.14 369,706.47 130,293.53130 3,221.51 1,848.53 1,372.97 368,333.50 131,666.50131 3,221.51 1,841.67 1,379.84 366,953.66 133,046.34132 3,221.51 1,834.77 1,386.74 365,566.92 134,433.08133 3,221.51 1,827.83 1,393.67 364,173.25 135,826.75134 3,221.51 1,820.87 1,400.64 362,772.60 137,227.40135 3,221.51 1,813.86 1,407.64 361,364.96 138,635.04136 3,221.51 1,806.82 1,414.68 359,950.28 140,049.72137 3,221.51 1,799.75 1,421.76 358,528.52 141,471.48138 3,221.51 1,792.64 1,428.86 357,099.66 142,900.34139 3,221.51 1,785.50 1,436.01 355,663.65 144,336.35140 3,221.51 1,778.32 1,443.19 354,220.46 145,779.54141 3,221.51 1,771.10 1,450.40 352,770.06 147,229.94142 3,221.51 1,763.85 1,457.66 351,312.40 148,687.60143 3,221.51 1,756.56 1,464.95 349,847.45 150,152.55144 3,221.51 1,749.24 1,472.27 348,375.18 151,624.82145 3,221.51 1,741.88 1,479.63 346,895.55 153,104.45146 3,221.51 1,734.48 1,487.03 345,408.52 154,591.48147 3,221.51 1,727.04 1,494.46 343,914.06 156,085.94148 3,221.51 1,719.57 1,501.94 342,412.12 157,587.88149 3,221.51 1,712.06 1,509.45 340,902.68 159,097.32150 3,221.51 1,704.51 1,516.99 339,385.68 160,614.32151 3,221.51 1,696.93 1,524.58 337,861.10 162,138.90152 3,221.51 1,689.31 1,532.20 336,328.90 163,671.10

153 3,221.51 1,681.64 1,539.86 334,789.04 165,210.96154 3,221.51 1,673.95 1,547.56 333,241.48 166,758.52155 3,221.51 1,666.21 1,555.30 331,686.18 168,313.82156 3,221.51 1,658.43 1,563.08 330,123.10 169,876.90157 3,221.51 1,650.62 1,570.89 328,552.21 171,447.79158 3,221.51 1,642.76 1,578.75 326,973.47 173,026.53159 3,221.51 1,634.87 1,586.64 325,386.83 174,613.17160 3,221.51 1,626.93 1,594.57 323,792.25 176,207.75161 3,221.51 1,618.96 1,602.55 322,189.71 177,810.29162 3,221.51 1,610.95 1,610.56 320,579.15 179,420.85163 3,221.51 1,602.90 1,618.61 318,960.54 181,039.46164 3,221.51 1,594.80 1,626.70 317,333.83 182,666.17165 3,221.51 1,586.67 1,634.84 315,699.00 184,301.00166 3,221.51 1,578.49 1,643.01 314,055.98 185,944.02167 3,221.51 1,570.28 1,651.23 312,404.76 187,595.24168 3,221.51 1,562.02 1,659.48 310,745.27 189,254.73169 3,221.51 1,553.73 1,667.78 309,077.49 190,922.51170 3,221.51 1,545.39 1,676.12 307,401.37 192,598.63171 3,221.51 1,537.01 1,684.50 305,716.87 194,283.13172 3,221.51 1,528.58 1,692.92 304,023.95 195,976.05173 3,221.51 1,520.12 1,701.39 302,322.56 197,677.44174 3,221.51 1,511.61 1,709.89 300,612.67 199,387.33175 3,221.51 1,503.06 1,718.44 298,894.23 201,105.77176 3,221.51 1,494.47 1,727.04 297,167.19 202,832.81177 3,221.51 1,485.84 1,735.67 295,431.52 204,568.48178 3,221.51 1,477.16 1,744.35 293,687.17 206,312.83179 3,221.51 1,468.44 1,753.07 291,934.10 208,065.90180 3,221.51 1,459.67 1,761.84 290,172.26 209,827.74181 3,221.51 1,450.86 1,770.65 288,401.62 211,598.38182 3,221.51 1,442.01 1,779.50 286,622.12 213,377.88183 3,221.51 1,433.11 1,788.40 284,833.72 215,166.28184 3,221.51 1,424.17 1,797.34 283,036.38 216,963.62185 3,221.51 1,415.18 1,806.33 281,230.06 218,769.94186 3,221.51 1,406.15 1,815.36 279,414.70 220,585.30187 3,221.51 1,397.07 1,824.43 277,590.27 222,409.73188 3,221.51 1,387.95 1,833.56 275,756.71 224,243.29189 3,221.51 1,378.78 1,842.72 273,913.99 226,086.01190 3,221.51 1,369.57 1,851.94 272,062.05 227,937.95191 3,221.51 1,360.31 1,861.20 270,200.85 229,799.15192 3,221.51 1,351.00 1,870.50 268,330.35 231,669.65193 3,221.51 1,341.65 1,879.86 266,450.50 233,549.50194 3,221.51 1,332.25 1,889.25 264,561.24 235,438.76195 3,221.51 1,322.81 1,898.70 262,662.54 237,337.46196 3,221.51 1,313.31 1,908.19 260,754.35 239,245.65197 3,221.51 1,303.77 1,917.74 258,836.61 241,163.39198 3,221.51 1,294.18 1,927.32 256,909.29 243,090.71199 3,221.51 1,284.55 1,936.96 254,972.33 245,027.67200 3,221.51 1,274.86 1,946.65 253,025.68 246,974.32201 3,221.51 1,265.13 1,956.38 251,069.30 248,930.70202 3,221.51 1,255.35 1,966.16 249,103.14 250,896.86203 3,221.51 1,245.52 1,975.99 247,127.15 252,872.85204 3,221.51 1,235.64 1,985.87 245,141.28 254,858.72205 3,221.51 1,225.71 1,995.80 243,145.48 256,854.52206 3,221.51 1,215.73 2,005.78 241,139.70 258,860.30

207 3,221.51 1,205.70 2,015.81 239,123.89 260,876.11208 3,221.51 1,195.62 2,025.89 237,098.00 262,902.00209 3,221.51 1,185.49 2,036.02 235,061.99 264,938.01210 3,221.51 1,175.31 2,046.20 233,015.79 266,984.21211 3,221.51 1,165.08 2,056.43 230,959.36 269,040.64212 3,221.51 1,154.80 2,066.71 228,892.65 271,107.35213 3,221.51 1,144.46 2,077.04 226,815.61 273,184.39214 3,221.51 1,134.08 2,087.43 224,728.18 275,271.82215 3,221.51 1,123.64 2,097.87 222,630.31 277,369.69216 3,221.51 1,113.15 2,108.36 220,521.96 279,478.04217 3,221.51 1,102.61 2,118.90 218,403.06 281,596.94218 3,221.51 1,092.02 2,129.49 216,273.57 283,726.43219 3,221.51 1,081.37 2,140.14 214,133.43 285,866.57220 3,221.51 1,070.67 2,150.84 211,982.59 288,017.41221 3,221.51 1,059.91 2,161.59 209,820.99 290,179.01222 3,221.51 1,049.10 2,172.40 207,648.59 292,351.41223 3,221.51 1,038.24 2,183.26 205,465.33 294,534.67224 3,221.51 1,027.33 2,194.18 203,271.15 296,728.85225 3,221.51 1,016.36 2,205.15 201,066.00 298,934.00226 3,221.51 1,005.33 2,216.18 198,849.82 301,150.18227 3,221.51 994.25 2,227.26 196,622.56 303,377.44228 3,221.51 983.11 2,238.39 194,384.17 305,615.83229 3,221.51 971.92 2,249.59 192,134.58 307,865.42230 3,221.51 960.67 2,260.83 189,873.75 310,126.25231 3,221.51 949.37 2,272.14 187,601.61 312,398.39232 3,221.51 938.01 2,283.50 185,318.11 314,681.89233 3,221.51 926.59 2,294.92 183,023.19 316,976.81234 3,221.51 915.12 2,306.39 180,716.80 319,283.20235 3,221.51 903.58 2,317.92 178,398.88 321,601.12236 3,221.51 891.99 2,329.51 176,069.37 323,930.63237 3,221.51 880.35 2,341.16 173,728.21 326,271.79238 3,221.51 868.64 2,352.87 171,375.34 328,624.66239 3,221.51 856.88 2,364.63 169,010.71 330,989.29240 3,221.51 845.05 2,376.45 166,634.26 333,365.74241 3,221.51 833.17 2,388.34 164,245.92 335,754.08242 3,221.51 821.23 2,400.28 161,845.64 338,154.36243 3,221.51 809.23 2,412.28 159,433.36 340,566.64244 3,221.51 797.17 2,424.34 157,009.02 342,990.98245 3,221.51 785.05 2,436.46 154,572.56 345,427.44246 3,221.51 772.86 2,448.64 152,123.92 347,876.08247 3,221.51 760.62 2,460.89 149,663.03 350,336.97248 3,221.51 748.32 2,473.19 147,189.84 352,810.16249 3,221.51 735.95 2,485.56 144,704.28 355,295.72250 3,221.51 723.52 2,497.99 142,206.30 357,793.70251 3,221.51 711.03 2,510.48 139,695.82 360,304.18252 3,221.51 698.48 2,523.03 137,172.79 362,827.21253 3,221.51 685.86 2,535.64 134,637.15 365,362.85254 3,221.51 673.19 2,548.32 132,088.83 367,911.17255 3,221.51 660.44 2,561.06 129,527.76 370,472.24256 3,221.51 647.64 2,573.87 126,953.90 373,046.10257 3,221.51 634.77 2,586.74 124,367.16 375,632.84258 3,221.51 621.84 2,599.67 121,767.49 378,232.51259 3,221.51 608.84 2,612.67 119,154.82 380,845.18260 3,221.51 595.77 2,625.73 116,529.09 383,470.91

261 3,221.51 582.65 2,638.86 113,890.22 386,109.78262 3,221.51 569.45 2,652.06 111,238.17 388,761.83263 3,221.51 556.19 2,665.32 108,572.85 391,427.15264 3,221.51 542.86 2,678.64 105,894.21 394,105.79265 3,221.51 529.47 2,692.04 103,202.17 396,797.83266 3,221.51 516.01 2,705.50 100,496.68 399,503.32267 3,221.51 502.48 2,719.02 97,777.65 402,222.35268 3,221.51 488.89 2,732.62 95,045.03 404,954.97269 3,221.51 475.23 2,746.28 92,298.75 407,701.25270 3,221.51 461.49 2,760.01 89,538.74 410,461.26271 3,221.51 447.69 2,773.81 86,764.93 413,235.07272 3,221.51 433.82 2,787.68 83,977.24 416,022.76273 3,221.51 419.89 2,801.62 81,175.62 418,824.38274 3,221.51 405.88 2,815.63 78,359.99 421,640.01275 3,221.51 391.80 2,829.71 75,530.29 424,469.71276 3,221.51 377.65 2,843.86 72,686.43 427,313.57277 3,221.51 363.43 2,858.07 69,828.36 430,171.64278 3,221.51 349.14 2,872.37 66,955.99 433,044.01279 3,221.51 334.78 2,886.73 64,069.26 435,930.74280 3,221.51 320.35 2,901.16 61,168.10 438,831.90281 3,221.51 305.84 2,915.67 58,252.44 441,747.56282 3,221.51 291.26 2,930.24 55,322.19 444,677.81283 3,221.51 276.61 2,944.90 52,377.30 447,622.70284 3,221.51 261.89 2,959.62 49,417.68 450,582.32285 3,221.51 247.09 2,974.42 46,443.26 453,556.74286 3,221.51 232.22 2,989.29 43,453.97 456,546.03287 3,221.51 217.27 3,004.24 40,449.73 459,550.27288 3,221.51 202.25 3,019.26 37,430.47 462,569.53289 3,221.51 187.15 3,034.35 34,396.12 465,603.88290 3,221.51 171.98 3,049.53 31,346.59 468,653.41291 3,221.51 156.73 3,064.77 28,281.82 471,718.18292 3,221.51 141.41 3,080.10 25,201.72 474,798.28293 3,221.51 126.01 3,095.50 22,106.22 477,893.78294 3,221.51 110.53 3,110.98 18,995.24 481,004.76295 3,221.51 94.98 3,126.53 15,868.71 484,131.29296 3,221.51 79.34 3,142.16 12,726.55 487,273.45297 3,221.51 63.63 3,157.87 9,568.68 490,431.32298 3,221.51 47.84 3,173.66 6,395.01 493,604.99299 3,221.51 31.98 3,189.53 3,205.48 496,794.52300 3,221.51 16.03 3,205.48 0.00 500,000.00

Principal 500,000Años 10i 10%

Año Anualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,0001 100,000 50,000 50,000 450,000 50,0002 95,000 45,000 50,000 400,000 100,0003 90,000 40,000 50,000 350,000 150,0004 85,000 35,000 50,000 300,000 200,0005 80,000 30,000 50,000 250,000 250,0006 75,000 25,000 50,000 200,000 300,0007 70,000 20,000 50,000 150,000 350,0008 65,000 15,000 50,000 100,000 400,0009 60,000 10,000 50,000 50,000 450,000

10 55,000 5,000 50,000 0 500,000

Préstamo de cuota de amortización constante o Préstamo Italiano (A=cte)

=$C$4/$C$5

Préstamo Americano

Principal 500,000Años 10i 10%

Año Anualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,0001 50,000 50,000 0 500,000 02 50,000 50,000 0 500,000 03 50,000 50,000 0 500,000 04 50,000 50,000 0 500,000 05 50,000 50,000 0 500,000 06 50,000 50,000 0 500,000 07 50,000 50,000 0 500,000 08 50,000 50,000 0 500,000 09 50,000 50,000 0 500,000 0

10 550,000 50,000 500,000 0 500,000

Carencia

Principal 500,000Años 10i 10%

Año Anualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,000.00 1 0.00 50,000.00 -50,000.00 550,000.00 -50,000.00 2 0.00 55,000.00 -55,000.00 605,000.00 -105,000.00 3 60,500.00 60,500.00 0.00 605,000.00 -105,000.00

Carencia4 60,500.00 60,500.00 0.00 605,000.00 -105,000.00 5 161,333.33 60,500.00 100,833.33 504,166.67 -4,166.67 6 151,250.00 50,416.67 100,833.33 403,333.33 96,666.67 7 141,166.67 40,333.33 100,833.33 302,500.00 197,500.00 8 131,083.33 30,250.00 100,833.33 201,666.67 298,333.33 9 121,000.00 20,166.67 100,833.33 100,833.33 399,166.67

10 110,916.67 10,083.33 100,833.33 0.00 500,000.00

Carencia Total

Préstamo Italiano

=+C10-D10

Préstamo a tipo variable

Principal 500,000 Años 10t. interés Euribor+0.50%

Diferencial 0.50%

Año Euribor E+0.50% Anualidad Intereses Amortización Cap. Vivo Cap. Amort.0 500,000.001 2.00% 2.50% 57,129.38 12,500.00 44,629.38 455,370.62 44,629.382 2.30% 2.80% 57,940.82 12,750.38 45,190.45 410,180.17 89,819.833 2.60% 3.10% 58,679.54 12,715.59 45,963.95 364,216.22 135,783.784 2.90% 3.40% 59,343.46 12,383.35 46,960.11 317,256.11 182,743.895 3.20% 3.70% 59,930.61 11,738.48 48,192.14 269,063.98 230,936.026 3.50% 4.00% 60,439.06 10,762.56 49,676.51 219,387.47 280,612.537 3.80% 4.30% 60,866.96 9,433.66 51,433.30 167,954.17 332,045.838 4.10% 4.60% 61,212.51 7,725.89 53,486.61 114,467.56 385,532.449 4.40% 4.90% 61,474.00 5,608.91 55,865.08 58,602.47 441,397.53

10 4.70% 5.20% 61,649.80 3,047.33 58,602.47 0.00 500,000.00

=PAGO(D11;10-B10;-H10)

Préstamo mensual a tipo variable Principal 500,000 € Años 10 añosMeses 120Tipo variable E + 0.50% Diferencial 0.50%

Mes Año T.Mensual Mensualidad Intereses Amortización Cap. Vivo Cap. Amort.0 0 500,000.001 1 0.2083% 4,713.50 1,041.67 3,671.83 496,328.17 3,671.832 1 0.2083% 4,713.50 1,034.02 3,679.48 492,648.69 7,351.313 1 0.2083% 4,713.50 1,026.35 3,687.14 488,961.55 11,038.454 1 0.2083% 4,713.50 1,018.67 3,694.83 485,266.72 14,733.285 1 0.2083% 4,713.50 1,010.97 3,702.52 481,564.20 18,435.806 1 0.2083% 4,713.50 1,003.26 3,710.24 477,853.97 22,146.037 1 0.2083% 4,713.50 995.53 3,717.97 474,136.00 25,864.008 1 0.2083% 4,713.50 987.78 3,725.71 470,410.29 29,589.719 1 0.2083% 4,713.50 980.02 3,733.47 466,676.81 33,323.19

10 1 0.2083% 4,713.50 972.24 3,741.25 462,935.56 37,064.4411 1 0.2083% 4,713.50 964.45 3,749.05 459,186.52 40,813.4812 1 0.2083% 4,713.50 956.64 3,756.86 455,429.66 44,570.3413 2 0.2417% 4,796.23 1,100.62 3,695.61 451,734.05 48,265.9514 2 0.2417% 4,796.23 1,091.69 3,704.54 448,029.52 51,970.4815 2 0.2417% 4,796.23 1,082.74 3,713.49 444,316.03 55,683.9716 2 0.2417% 4,796.23 1,073.76 3,722.46 440,593.56 59,406.4417 2 0.2417% 4,796.23 1,064.77 3,731.46 436,862.10 63,137.9018 2 0.2417% 4,796.23 1,055.75 3,740.48 433,121.62 66,878.3819 2 0.2417% 4,796.23 1,046.71 3,749.52 429,372.11 70,627.8920 2 0.2417% 4,796.23 1,037.65 3,758.58 425,613.53 74,386.4721 2 0.2417% 4,796.23 1,028.57 3,767.66 421,845.86 78,154.1422 2 0.2417% 4,796.23 1,019.46 3,776.77 418,069.10 81,930.9023 2 0.2417% 4,796.23 1,010.33 3,785.89 414,283.20 85,716.8024 2 0.2417% 4,796.23 1,001.18 3,795.04 410,488.16 89,511.8425 3 0.2750% 4,870.99 1,128.84 3,742.15 406,746.01 93,253.9926 3 0.2750% 4,870.99 1,118.55 3,752.44 402,993.58 97,006.4227 3 0.2750% 4,870.99 1,108.23 3,762.76 399,230.82 100,769.1828 3 0.2750% 4,870.99 1,097.88 3,773.10 395,457.72 104,542.2829 3 0.2750% 4,870.99 1,087.51 3,783.48 391,674.24 108,325.7630 3 0.2750% 4,870.99 1,077.10 3,793.88 387,880.35 112,119.6531 3 0.2750% 4,870.99 1,066.67 3,804.32 384,076.04 115,923.9632 3 0.2750% 4,870.99 1,056.21 3,814.78 380,261.26 119,738.7433 3 0.2750% 4,870.99 1,045.72 3,825.27 376,435.99 123,564.0134 3 0.2750% 4,870.99 1,035.20 3,835.79 372,600.20 127,399.8035 3 0.2750% 4,870.99 1,024.65 3,846.34 368,753.86 131,246.1436 3 0.2750% 4,870.99 1,014.07 3,856.91 364,896.95 135,103.0537 4 0.3083% 4,937.47 1,125.10 3,812.37 361,084.57 138,915.4338 4 0.3083% 4,937.47 1,113.34 3,824.13 357,260.44 142,739.5639 4 0.3083% 4,937.47 1,101.55 3,835.92 353,424.52 146,575.4840 4 0.3083% 4,937.47 1,089.73 3,847.75 349,576.78 150,423.2241 4 0.3083% 4,937.47 1,077.86 3,859.61 345,717.16 154,282.8442 4 0.3083% 4,937.47 1,065.96 3,871.51 341,845.65 158,154.3543 4 0.3083% 4,937.47 1,054.02 3,883.45 337,962.20 162,037.8044 4 0.3083% 4,937.47 1,042.05 3,895.42 334,066.78 165,933.2245 4 0.3083% 4,937.47 1,030.04 3,907.43 330,159.35 169,840.6546 4 0.3083% 4,937.47 1,017.99 3,919.48 326,239.86 173,760.14

=PAGO(D10;120-B9;-H9)

47 4 0.3083% 4,937.47 1,005.91 3,931.57 322,308.30 177,691.7048 4 0.3083% 4,937.47 993.78 3,943.69 318,364.61 181,635.3949 5 0.3417% 4,995.39 1,087.75 3,907.65 314,456.96 185,543.0450 5 0.3417% 4,995.39 1,074.39 3,921.00 310,535.96 189,464.0451 5 0.3417% 4,995.39 1,061.00 3,934.39 306,601.57 193,398.4352 5 0.3417% 4,995.39 1,047.56 3,947.84 302,653.73 197,346.2753 5 0.3417% 4,995.39 1,034.07 3,961.32 298,692.41 201,307.5954 5 0.3417% 4,995.39 1,020.53 3,974.86 294,717.55 205,282.4555 5 0.3417% 4,995.39 1,006.95 3,988.44 290,729.11 209,270.8956 5 0.3417% 4,995.39 993.32 4,002.07 286,727.04 213,272.9657 5 0.3417% 4,995.39 979.65 4,015.74 282,711.30 217,288.7058 5 0.3417% 4,995.39 965.93 4,029.46 278,681.84 221,318.1659 5 0.3417% 4,995.39 952.16 4,043.23 274,638.61 225,361.3960 5 0.3417% 4,995.39 938.35 4,057.04 270,581.57 229,418.4361 6 0.3750% 5,044.46 1,014.68 4,029.78 266,551.79 233,448.2162 6 0.3750% 5,044.46 999.57 4,044.89 262,506.91 237,493.0963 6 0.3750% 5,044.46 984.40 4,060.06 258,446.85 241,553.1564 6 0.3750% 5,044.46 969.18 4,075.28 254,371.57 245,628.4365 6 0.3750% 5,044.46 953.89 4,090.56 250,281.00 249,719.0066 6 0.3750% 5,044.46 938.55 4,105.90 246,175.10 253,824.9067 6 0.3750% 5,044.46 923.16 4,121.30 242,053.80 257,946.2068 6 0.3750% 5,044.46 907.70 4,136.76 237,917.04 262,082.9669 6 0.3750% 5,044.46 892.19 4,152.27 233,764.78 266,235.2270 6 0.3750% 5,044.46 876.62 4,167.84 229,596.94 270,403.0671 6 0.3750% 5,044.46 860.99 4,183.47 225,413.47 274,586.5372 6 0.3750% 5,044.46 845.30 4,199.16 221,214.31 278,785.6973 7 0.4083% 5,084.39 903.29 4,181.10 217,033.21 282,966.7974 7 0.4083% 5,084.39 886.22 4,198.18 212,835.03 287,164.9775 7 0.4083% 5,084.39 869.08 4,215.32 208,619.71 291,380.2976 7 0.4083% 5,084.39 851.86 4,232.53 204,387.18 295,612.8277 7 0.4083% 5,084.39 834.58 4,249.81 200,137.37 299,862.6378 7 0.4083% 5,084.39 817.23 4,267.17 195,870.20 304,129.8079 7 0.4083% 5,084.39 799.80 4,284.59 191,585.61 308,414.3980 7 0.4083% 5,084.39 782.31 4,302.09 187,283.52 312,716.4881 7 0.4083% 5,084.39 764.74 4,319.65 182,963.87 317,036.1382 7 0.4083% 5,084.39 747.10 4,337.29 178,626.58 321,373.4283 7 0.4083% 5,084.39 729.39 4,355.00 174,271.58 325,728.4284 7 0.4083% 5,084.39 711.61 4,372.79 169,898.79 330,101.2185 8 0.4417% 5,114.93 750.39 4,364.55 165,534.24 334,465.7686 8 0.4417% 5,114.93 731.11 4,383.83 161,150.42 338,849.5887 8 0.4417% 5,114.93 711.75 4,403.19 156,747.23 343,252.7788 8 0.4417% 5,114.93 692.30 4,422.63 152,324.59 347,675.4189 8 0.4417% 5,114.93 672.77 4,442.17 147,882.43 352,117.5790 8 0.4417% 5,114.93 653.15 4,461.79 143,420.64 356,579.3691 8 0.4417% 5,114.93 633.44 4,481.49 138,939.14 361,060.8692 8 0.4417% 5,114.93 613.65 4,501.29 134,437.86 365,562.1493 8 0.4417% 5,114.93 593.77 4,521.17 129,916.69 370,083.3194 8 0.4417% 5,114.93 573.80 4,541.14 125,375.55 374,624.4595 8 0.4417% 5,114.93 553.74 4,561.19 120,814.36 379,185.6496 8 0.4417% 5,114.93 533.60 4,581.34 116,233.02 383,766.9897 9 0.4750% 5,135.82 552.11 4,583.71 111,649.31 388,350.6998 9 0.4750% 5,135.82 530.33 4,605.49 107,043.82 392,956.1899 9 0.4750% 5,135.82 508.46 4,627.36 102,416.46 397,583.54

100 9 0.4750% 5,135.82 486.48 4,649.34 97,767.12 402,232.88

101 9 0.4750% 5,135.82 464.39 4,671.43 93,095.69 406,904.31102 9 0.4750% 5,135.82 442.20 4,693.62 88,402.07 411,597.93103 9 0.4750% 5,135.82 419.91 4,715.91 83,686.16 416,313.84104 9 0.4750% 5,135.82 397.51 4,738.31 78,947.85 421,052.15105 9 0.4750% 5,135.82 375.00 4,760.82 74,187.03 425,812.97106 9 0.4750% 5,135.82 352.39 4,783.43 69,403.60 430,596.40107 9 0.4750% 5,135.82 329.67 4,806.15 64,597.45 435,402.55108 9 0.4750% 5,135.82 306.84 4,828.98 59,768.47 440,231.53109 10 0.5083% 5,146.81 303.82 4,842.98 54,925.48 445,074.52110 10 0.5083% 5,146.81 279.20 4,867.60 50,057.88 449,942.12111 10 0.5083% 5,146.81 254.46 4,892.35 45,165.54 454,834.46112 10 0.5083% 5,146.81 229.59 4,917.21 40,248.32 459,751.68113 10 0.5083% 5,146.81 204.60 4,942.21 35,306.11 464,693.89114 10 0.5083% 5,146.81 179.47 4,967.33 30,338.78 469,661.22115 10 0.5083% 5,146.81 154.22 4,992.58 25,346.19 474,653.81116 10 0.5083% 5,146.81 128.84 5,017.96 20,328.23 479,671.77117 10 0.5083% 5,146.81 103.34 5,043.47 15,284.76 484,715.24118 10 0.5083% 5,146.81 77.70 5,069.11 10,215.65 489,784.35119 10 0.5083% 5,146.81 51.93 5,094.88 5,120.78 494,879.22120 10 0.5083% 5,146.81 26.03 5,120.78 0.00 500,000.00

Año Euribor E + 0.50% T. Mensual1 2.00% 2.50% 0.2083%2 2.40% 2.90% 0.2417%3 2.80% 3.30% 0.2750%4 3.20% 3.70% 0.3083%5 3.60% 4.10% 0.3417%6 4.00% 4.50% 0.3750%7 4.40% 4.90% 0.4083%8 4.80% 5.30% 0.4417%9 5.20% 5.70% 0.4750%

10 5.60% 6.10% 0.5083%

Consideramos que es un TIN. TIN es el tipo de interés nominal.