tabla de amortizacion de capital mas intereses sobre saldos

MES INTERESES CAPITAL TOTAl SALDO

0 Q 35,000.00
1 Q 379.17 Q 2,916.67 Q 3,295.83 Q 32,083.33
2 Q 347.57 Q 2,916.67 Q 3,264.24 Q 29,166.67
3 Q 315.97 Q 2,916.67 Q 3,232.64 Q 26,250.00
4 Q 284.38 Q 2,916.67 Q 3,201.04 Q 23,333.33
5 Q 252.78 Q 2,916.67 Q 3,169.44 Q 20,416.67
6 Q 221.18 Q 2,916.67 Q 3,137.85 Q 17,500.00
7 Q 189.58 Q 2,916.67 Q 3,106.25 Q 14,583.33
8 Q 157.99 Q 2,916.67 Q 3,074.65 Q 11,666.67
9 Q 126.39 Q 2,916.67 Q 3,043.06 Q 8,750.00
10 Q 94.79 Q 2,916.67 Q 3,011.46 Q 5,833.33
11 Q 63.19 Q 2,916.67 Q 2,979.86 Q 2,916.67
12 Q 31.60 Q 2,916.67 Q 2,948.26 Q -
3 1 4 2
Q 2,467.58
PAGO DE INTERESES (interes simple por que no te voy a capitalizar)
REFLA DEL BANQUERO
i=((saldo*tasa)/365)*el numero de dias del mes
i=((saldo*tasa)/360)*30 ao comercial

mejor tabla de amortizacion cuota nivelada sobre saldos

MES INTERESES CAPITAL TOTAl SALDO
0 Q 35,000.00
1 Q 379.17 Q 2,746.94 Q 3,126.10 Q 32,253.06
2 Q 349.41 Q 2,776.70 Q 3,126.10 Q 29,476.37
3 Q 319.33 Q 2,806.78 Q 3,126.10 Q 26,669.59
4 Q 288.92 Q 2,837.18 Q 3,126.10 Q 23,832.40
5 Q 258.18 Q 2,867.92 Q 3,126.10 Q 20,964.48
6 Q 227.12 Q 2,898.99 Q 3,126.10 Q 18,065.49
7 Q 195.71 Q 2,930.40 Q 3,126.10 Q 15,135.10
8 Q 163.96 Q 2,962.14 Q 3,126.10 Q 12,172.96
9 Q 131.87 Q 2,994.23 Q 3,126.10 Q 9,178.73
10 Q 99.44 Q 3,026.67 Q 3,126.10 Q 6,152.06
11 Q 66.65 Q 3,059.46 Q 3,126.10 Q 3,092.60
12 Q 33.50 Q 3,092.60 Q 3,126.10 Q -
2 3 1 4
Q 2,513.26
I 13% ANUAL
N 12 meses

siempre cobra el mismo interes por cubrir su riesgo sobre el saldo inicial

hoy

tasa de amortizacion tasa Flatt

MES INTERESES CAPITAL TOTAl SALDO 13%
0 Q 35,000.00 0.010833
1 Q 379.05 Q 2,916.67 Q 3,295.72 Q 32,083.33
2 Q 379.05 Q 2,916.67 Q 3,295.72 Q 29,166.67
3 Q 379.05 Q 2,916.67 Q 3,295.72 Q 26,250.00
4 Q 379.05 Q 2,916.67 Q 3,295.72 Q 23,333.33
5 Q 379.05 Q 2,916.67 Q 3,295.72 Q 20,416.67
6 Q 379.05 Q 2,916.67 Q 3,295.72 Q 17,500.00
7 Q 379.05 Q 2,916.67 Q 3,295.72 Q 14,583.33
8 Q 379.05 Q 2,916.67 Q 3,295.72 Q 11,666.67
9 Q 379.05 Q 2,916.67 Q 3,295.72 Q 8,750.00
10 Q 379.05 Q 2,916.67 Q 3,295.72 Q 5,833.33
11 Q 379.05 Q 2,916.67 Q 3,295.72 Q 2,916.67
12 Q 379.05 Q 2,916.67 Q 3,295.72 Q -
1.08% 1 4 2
problema #1

VF Q 268,627.15
menos VP Q (150,000.00)
I 0.06 Q 118,627.15 gane de intereses
N 10

problema #2

VF Q 134,010.00
VP Q 100,000.00
I 5% 60%
N 6

problema #3

VF -4
VP 2
I 0.02
N 35.00 MESES

problema #4

problema #5
VF 268,627.10
VP -150,000
I 0.06
N 10.00 TRIMESTE 2.5

Problema #6

PAGO Q5,364.40
VP Q (235,766.00)
I 0.01
N 60
PROBLEMA #7

VF Q11,405.15
VP
I 0.02
N 60
pago -100 cuantia anualidades

problema #8
2%

problema #9

VP Q 15,000,000.00
a) Q 3,750,000.00 VP b) Q 5,250,000.00
(Q890,236.50) PAGO 8%
6% I 24
5N
I
N
pago