4 EJERCICIO: Calculo de tasa de interes

Valor presente Años Tasa de interes

242 2 13%
410 9 9%
51700 15 8%
18750 30 11%

DATOS:
VF= 750000000 VA va excell
TD= 8.20% 155065808.540677 $ 155,065,808.54
N PER 20

DATOS: 𝑉𝐴�=𝐹𝐸/�
FE ANUAL 120
Ti 5.70%
VAP=
SE DEBERIA PAGAR EN ESTE MOMENTO 2105,26 SE VA A RECIBIR 120 DOLARES ANUALES PARA SIEMPRE

FE SEMESTRAL 120
TI semestral 0.0285

FE SEMANAL 120
TI semanal 0.0010961538

CAPITALIZACIONES N° de periodos TASA

Anual 1 5.70%
Semestral 2 5.7812%
Trimestral 4 5.8230%
Mensual 12 5.8513%
 Semanal 52 5.8623%
Diaria 365 5.8651%
continua 5.8656%

𝑇𝐴𝐸=((1+𝑇�𝐴/�)^m)-1

DATOS:
VA 1900

NPER Ti (nominal) VF con (capitalizacion diaria) VF EXCELL

5 12% 3461.6843523241 $ 3,461.68
3 10% 2564.626355872 $ 2,564.63
10 5% 3132.463146154 $ 3,132.46
8 7% 3326.0991616322 $ 3,326.10
 Valor futuro Formula despejada VF
307 ###
896 ###
162181 ###
483500 ###

2105.2631578947
RA SIEMPRE

4210.5263157895

109473.684210526

TASA NOMINAL
5.7000%
5.7812%
5.8230%
5.8513%
 5.8623%
5.8651%

𝑉𝐹=𝑉𝐴∗𝑒^((�)∗𝑛)
VF con (capitalizacion continua)
3462.0257142779
2564.7317320001
3132.5704094561
3326.277744766
 ANUALIDAD VENCIDA
DATOS:

FE $ 4,300.00 VAA 34660.9602484

N per 15
Ti 9% VA EXCELL $ 34,660.96

34660.9602484

ANUALIDAD ANTICIPADA tipo 1

Anticipada
FE $ 4,300.00 VA= $ 37,780.45 $ 37,780.45
N per 15
Ti 9%

DATOS:
TASA CAPITALIZACIÓN TAE
FIRST NATIONAL BANK 10.10% MENSUAL 10.58%
FIRST UNITED BANK 10.40% SEMESTRAL 10.86%

CALCULAR CUAL ME CONVIENE LA TAE

[Link]

DATOS: AHORROS
AÑOS 30 30 años
A 700
Ti (ACCIONES 10%
VF
B 300 $ 1,582,341.55
Ti (BONOS) 6% $ 301,354.51 AÑOS
TOTAL $ 1,883,696.06 VA
Ti

FE MENSUAL
RETIRO MEN

CUANTO TIEMPO SE POD

EN MESES 148.782114
Se puede vivir 148 mese

EN AÑOS 12.40
podria vvir 12 años con u
RETIROS
25 AÑOS
 25
$ 1,883,696.06
8%

E MENSUAL
$ 14,538.67 SE PODRA RETIRAR PARA VVIR LUEGO DE LA JUBILACION 1453867 MENSUALES

UANTO TIEMPO SE PODRA COBRAR LOS 20 MIL DOLARES MENSUALES

e puede vivir 148 mese con un sueldo de 20000

odria vvir 12 años con un sueldo de 20000 dolares

DATOS:
450,000.00
PAGO 450000 20% ADELAN 20%
PAGO INICIAL 20% 90,000.00
Ti (ANUAL) 7.50% DIFERENCIA 360,000.00
PLAZO 30 Ti=7,5% 7.50%
PAGO GLOBAL 8 PÁGO $ 2,517.17

TABLA DE AMORTIZACION

PERIODO PAGO INTERES PAGO CAPITAANUALIDAD VALOR INSOLUTO

0 360,000.00
1 $ 2,250.00 $ 267.17 $ 2,517.17 $ 359,732.83
2 $ 2,248.33 $ 268.84 $ 2,517.17 $ 359,463.99
3 $ 2,246.65 $ 270.52 $ 2,517.17 $ 359,193.46
4 $ 2,244.96 $ 272.21 $ 2,517.17 $ 358,921.25
5 $ 2,243.26 $ 273.91 $ 2,517.17 $ 358,647.34
6 $ 2,241.55 $ 275.63 $ 2,517.17 $ 358,371.71
7 $ 2,239.82 $ 277.35 $ 2,517.17 $ 358,094.36
8 $ 2,238.09 $ 279.08 $ 2,517.17 $ 357,815.28
9 $ 2,236.35 $ 280.83 $ 2,517.17 $ 357,534.45
10 $ 2,234.59 $ 282.58 $ 2,517.17 $ 357,251.87
11 $ 2,232.82 $ 284.35 $ 2,517.17 $ 356,967.52
12 $ 2,231.05 $ 286.13 $ 2,517.17 $ 356,681.40
13 $ 2,229.26 $ 287.91 $ 2,517.17 $ 356,393.48
14 $ 2,227.46 $ 289.71 $ 2,517.17 $ 356,103.77
15 $ 2,225.65 $ 291.52 $ 2,517.17 $ 355,812.25
16 $ 2,223.83 $ 293.35 $ 2,517.17 $ 355,518.90
17 $ 2,221.99 $ 295.18 $ 2,517.17 $ 355,223.72
18 $ 2,220.15 $ 297.02 $ 2,517.17 $ 354,926.70
19 $ 2,218.29 $ 298.88 $ 2,517.17 $ 354,627.82
20 $ 2,216.42 $ 300.75 $ 2,517.17 $ 354,327.07
21 $ 2,214.54 $ 302.63 $ 2,517.17 $ 354,024.44
22 $ 2,212.65 $ 304.52 $ 2,517.17 $ 353,719.92
23 $ 2,210.75 $ 306.42 $ 2,517.17 $ 353,413.50
24 $ 2,208.83 $ 308.34 $ 2,517.17 $ 353,105.16
25 $ 2,206.91 $ 310.26 $ 2,517.17 $ 352,794.90
26 $ 2,204.97 $ 312.20 $ 2,517.17 $ 352,482.69
27 $ 2,203.02 $ 314.16 $ 2,517.17 $ 352,168.54
28 $ 2,201.05 $ 316.12 $ 2,517.17 $ 351,852.42
29 $ 2,199.08 $ 318.09 $ 2,517.17 $ 351,534.32
30 $ 2,197.09 $ 320.08 $ 2,517.17 $ 351,214.24
31 $ 2,195.09 $ 322.08 $ 2,517.17 $ 350,892.16
32 $ 2,193.08 $ 324.10 $ 2,517.17 $ 350,568.06
33 $ 2,191.05 $ 326.12 $ 2,517.17 $ 350,241.94
34 $ 2,189.01 $ 328.16 $ 2,517.17 $ 349,913.78
35 $ 2,186.96 $ 330.21 $ 2,517.17 $ 349,583.57
36 $ 2,184.90 $ 332.27 $ 2,517.17 $ 349,251.29
37 $ 2,182.82 $ 334.35 $ 2,517.17 $ 348,916.94
38 $ 2,180.73 $ 336.44 $ 2,517.17 $ 348,580.50
39 $ 2,178.63 $ 338.54 $ 2,517.17 $ 348,241.95
40 $ 2,176.51 $ 340.66 $ 2,517.17 $ 347,901.29
41 $ 2,174.38 $ 342.79 $ 2,517.17 $ 347,558.51
42 $ 2,172.24 $ 344.93 $ 2,517.17 $ 347,213.57
43 $ 2,170.08 $ 347.09 $ 2,517.17 $ 346,866.49
44 $ 2,167.92 $ 349.26 $ 2,517.17 $ 346,517.23
45 $ 2,165.73 $ 351.44 $ 2,517.17 $ 346,165.79
46 $ 2,163.54 $ 353.64 $ 2,517.17 $ 345,812.15
47 $ 2,161.33 $ 355.85 $ 2,517.17 $ 345,456.31
48 $ 2,159.10 $ 358.07 $ 2,517.17 $ 345,098.24
49 $ 2,156.86 $ 360.31 $ 2,517.17 $ 344,737.93
50 $ 2,154.61 $ 362.56 $ 2,517.17 $ 344,375.37
51 $ 2,152.35 $ 364.83 $ 2,517.17 $ 344,010.54
52 $ 2,150.07 $ 367.11 $ 2,517.17 $ 343,643.44
53 $ 2,147.77 $ 369.40 $ 2,517.17 $ 343,274.04
54 $ 2,145.46 $ 371.71 $ 2,517.17 $ 342,902.33
55 $ 2,143.14 $ 374.03 $ 2,517.17 $ 342,528.29
56 $ 2,140.80 $ 376.37 $ 2,517.17 $ 342,151.92
57 $ 2,138.45 $ 378.72 $ 2,517.17 $ 341,773.20
58 $ 2,136.08 $ 381.09 $ 2,517.17 $ 341,392.11
59 $ 2,133.70 $ 383.47 $ 2,517.17 $ 341,008.64
60 $ 2,131.30 $ 385.87 $ 2,517.17 $ 340,622.77
61 $ 2,128.89 $ 388.28 $ 2,517.17 $ 340,234.49
62 $ 2,126.47 $ 390.71 $ 2,517.17 $ 339,843.78
63 $ 2,124.02 $ 393.15 $ 2,517.17 $ 339,450.64
64 $ 2,121.57 $ 395.61 $ 2,517.17 $ 339,055.03
65 $ 2,119.09 $ 398.08 $ 2,517.17 $ 338,656.95
 66 $ 2,116.61 $ 400.57 $ 2,517.17 $ 338,256.39
67 $ 2,114.10 $ 403.07 $ 2,517.17 $ 337,853.32
68 $ 2,111.58 $ 405.59 $ 2,517.17 $ 337,447.73
69 $ 2,109.05 $ 408.12 $ 2,517.17 $ 337,039.60
70 $ 2,106.50 $ 410.67 $ 2,517.17 $ 336,628.93
71 $ 2,103.93 $ 413.24 $ 2,517.17 $ 336,215.69
72 $ 2,101.35 $ 415.82 $ 2,517.17 $ 335,799.86
73 $ 2,098.75 $ 418.42 $ 2,517.17 $ 335,381.44
74 $ 2,096.13 $ 421.04 $ 2,517.17 $ 334,960.40
75 $ 2,093.50 $ 423.67 $ 2,517.17 $ 334,536.73
76 $ 2,090.85 $ 426.32 $ 2,517.17 $ 334,110.41
77 $ 2,088.19 $ 428.98 $ 2,517.17 $ 333,681.43
78 $ 2,085.51 $ 431.66 $ 2,517.17 $ 333,249.77
79 $ 2,082.81 $ 434.36 $ 2,517.17 $ 332,815.41
80 $ 2,080.10 $ 437.08 $ 2,517.17 $ 332,378.33
81 $ 2,077.36 $ 439.81 $ 2,517.17 $ 331,938.52
82 $ 2,074.62 $ 442.56 $ 2,517.17 $ 331,495.97
83 $ 2,071.85 $ 445.32 $ 2,517.17 $ 331,050.65
84 $ 2,069.07 $ 448.11 $ 2,517.17 $ 330,602.54
85 $ 2,066.27 $ 450.91 $ 2,517.17 $ 330,151.63
86 $ 2,063.45 $ 453.72 $ 2,517.17 $ 329,697.91
87 $ 2,060.61 $ 456.56 $ 2,517.17 $ 329,241.35
88 $ 2,057.76 $ 459.41 $ 2,517.17 $ 328,781.93
89 $ 2,054.89 $ 462.29 $ 2,517.17 $ 328,319.65
90 $ 2,052.00 $ 465.17 $ 2,517.17 $ 327,854.47
91 $ 2,049.09 $ 468.08 $ 2,517.17 $ 327,386.39
92 $ 2,046.16 $ 471.01 $ 2,517.17 $ 326,915.39
93 $ 2,043.22 $ 473.95 $ 2,517.17 $ 326,441.43
94 $ 2,040.26 $ 476.91 $ 2,517.17 $ 325,964.52
95 $ 2,037.28 $ 479.89 $ 2,517.17 $ 325,484.63
96 $ 2,034.28 $ 482.89 $ 2,517.17 $ 325,001.73
97 $ 2,031.26 $ 485.91 $ 2,517.17 $ 324,515.82
98 $ 2,028.22 $ 488.95 $ 2,517.17 $ 324,026.87
99 $ 2,025.17 $ 492.00 $ 2,517.17 $ 323,534.87
100 $ 2,022.09 $ 495.08 $ 2,517.17 $ 323,039.79
101 $ 2,019.00 $ 498.17 $ 2,517.17 $ 322,541.62
102 $ 2,015.89 $ 501.29 $ 2,517.17 $ 322,040.33
103 $ 2,012.75 $ 504.42 $ 2,517.17 $ 321,535.91
104 $ 2,009.60 $ 507.57 $ 2,517.17 $ 321,028.34
105 $ 2,006.43 $ 510.75 $ 2,517.17 $ 320,517.59
106 $ 2,003.23 $ 513.94 $ 2,517.17 $ 320,003.65
107 $ 2,000.02 $ 517.15 $ 2,517.17 $ 319,486.51
108 $ 1,996.79 $ 520.38 $ 2,517.17 $ 318,966.12
109 $ 1,993.54 $ 523.63 $ 2,517.17 $ 318,442.49
110 $ 1,990.27 $ 526.91 $ 2,517.17 $ 317,915.58
111 $ 1,986.97 $ 530.20 $ 2,517.17 $ 317,385.38
112 $ 1,983.66 $ 533.51 $ 2,517.17 $ 316,851.87
113 $ 1,980.32 $ 536.85 $ 2,517.17 $ 316,315.02
114 $ 1,976.97 $ 540.20 $ 2,517.17 $ 315,774.82
115 $ 1,973.59 $ 543.58 $ 2,517.17 $ 315,231.24
116 $ 1,970.20 $ 546.98 $ 2,517.17 $ 314,684.26
117 $ 1,966.78 $ 550.40 $ 2,517.17 $ 314,133.87
118 $ 1,963.34 $ 553.84 $ 2,517.17 $ 313,580.03
119 $ 1,959.88 $ 557.30 $ 2,517.17 $ 313,022.73
120 $ 1,956.39 $ 560.78 $ 2,517.17 $ 312,461.95
121 $ 1,952.89 $ 564.29 $ 2,517.17 $ 311,897.67
122 $ 1,949.36 $ 567.81 $ 2,517.17 $ 311,329.86
123 $ 1,945.81 $ 571.36 $ 2,517.17 $ 310,758.50
124 $ 1,942.24 $ 574.93 $ 2,517.17 $ 310,183.56
125 $ 1,938.65 $ 578.52 $ 2,517.17 $ 309,605.04
126 $ 1,935.03 $ 582.14 $ 2,517.17 $ 309,022.90
127 $ 1,931.39 $ 585.78 $ 2,517.17 $ 308,437.12
128 $ 1,927.73 $ 589.44 $ 2,517.17 $ 307,847.68
129 $ 1,924.05 $ 593.12 $ 2,517.17 $ 307,254.56
130 $ 1,920.34 $ 596.83 $ 2,517.17 $ 306,657.72
131 $ 1,916.61 $ 600.56 $ 2,517.17 $ 306,057.16
132 $ 1,912.86 $ 604.31 $ 2,517.17 $ 305,452.85
133 $ 1,909.08 $ 608.09 $ 2,517.17 $ 304,844.76
134 $ 1,905.28 $ 611.89 $ 2,517.17 $ 304,232.86
135 $ 1,901.46 $ 615.72 $ 2,517.17 $ 303,617.15
136 $ 1,897.61 $ 619.57 $ 2,517.17 $ 302,997.58
137 $ 1,893.73 $ 623.44 $ 2,517.17 $ 302,374.14
138 $ 1,889.84 $ 627.33 $ 2,517.17 $ 301,746.81
139 $ 1,885.92 $ 631.25 $ 2,517.17 $ 301,115.56
140 $ 1,881.97 $ 635.20 $ 2,517.17 $ 300,480.36
141 $ 1,878.00 $ 639.17 $ 2,517.17 $ 299,841.19
142 $ 1,874.01 $ 643.16 $ 2,517.17 $ 299,198.02
143 $ 1,869.99 $ 647.18 $ 2,517.17 $ 298,550.84
144 $ 1,865.94 $ 651.23 $ 2,517.17 $ 297,899.61
145 $ 1,861.87 $ 655.30 $ 2,517.17 $ 297,244.31
146 $ 1,857.78 $ 659.40 $ 2,517.17 $ 296,584.91
147 $ 1,853.66 $ 663.52 $ 2,517.17 $ 295,921.39
148 $ 1,849.51 $ 667.66 $ 2,517.17 $ 295,253.73
149 $ 1,845.34 $ 671.84 $ 2,517.17 $ 294,581.89
150 $ 1,841.14 $ 676.04 $ 2,517.17 $ 293,905.86
151 $ 1,836.91 $ 680.26 $ 2,517.17 $ 293,225.60
152 $ 1,832.66 $ 684.51 $ 2,517.17 $ 292,541.09
153 $ 1,828.38 $ 688.79 $ 2,517.17 $ 291,852.30
154 $ 1,824.08 $ 693.10 $ 2,517.17 $ 291,159.20
155 $ 1,819.75 $ 697.43 $ 2,517.17 $ 290,461.77
156 $ 1,815.39 $ 701.79 $ 2,517.17 $ 289,759.99
157 $ 1,811.00 $ 706.17 $ 2,517.17 $ 289,053.82
158 $ 1,806.59 $ 710.59 $ 2,517.17 $ 288,343.23
159 $ 1,802.15 $ 715.03 $ 2,517.17 $ 287,628.20
160 $ 1,797.68 $ 719.50 $ 2,517.17 $ 286,908.71
161 $ 1,793.18 $ 723.99 $ 2,517.17 $ 286,184.71
162 $ 1,788.65 $ 728.52 $ 2,517.17 $ 285,456.20
163 $ 1,784.10 $ 733.07 $ 2,517.17 $ 284,723.12
164 $ 1,779.52 $ 737.65 $ 2,517.17 $ 283,985.47
165 $ 1,774.91 $ 742.26 $ 2,517.17 $ 283,243.21
166 $ 1,770.27 $ 746.90 $ 2,517.17 $ 282,496.31
167 $ 1,765.60 $ 751.57 $ 2,517.17 $ 281,744.74
168 $ 1,760.90 $ 756.27 $ 2,517.17 $ 280,988.47
169 $ 1,756.18 $ 760.99 $ 2,517.17 $ 280,227.47
170 $ 1,751.42 $ 765.75 $ 2,517.17 $ 279,461.72
171 $ 1,746.64 $ 770.54 $ 2,517.17 $ 278,691.19
172 $ 1,741.82 $ 775.35 $ 2,517.17 $ 277,915.84
173 $ 1,736.97 $ 780.20 $ 2,517.17 $ 277,135.64
174 $ 1,732.10 $ 785.07 $ 2,517.17 $ 276,350.56
175 $ 1,727.19 $ 789.98 $ 2,517.17 $ 275,560.58
176 $ 1,722.25 $ 794.92 $ 2,517.17 $ 274,765.66
177 $ 1,717.29 $ 799.89 $ 2,517.17 $ 273,965.78
178 $ 1,712.29 $ 804.89 $ 2,517.17 $ 273,160.89
179 $ 1,707.26 $ 809.92 $ 2,517.17 $ 272,350.97
180 $ 1,702.19 $ 814.98 $ 2,517.17 $ 271,535.99
181 $ 1,697.10 $ 820.07 $ 2,517.17 $ 270,715.92
182 $ 1,691.97 $ 825.20 $ 2,517.17 $ 269,890.72
183 $ 1,686.82 $ 830.36 $ 2,517.17 $ 269,060.37
184 $ 1,681.63 $ 835.54 $ 2,517.17 $ 268,224.82
185 $ 1,676.41 $ 840.77 $ 2,517.17 $ 267,384.06
186 $ 1,671.15 $ 846.02 $ 2,517.17 $ 266,538.04
187 $ 1,665.86 $ 851.31 $ 2,517.17 $ 265,686.73
188 $ 1,660.54 $ 856.63 $ 2,517.17 $ 264,830.10
189 $ 1,655.19 $ 861.98 $ 2,517.17 $ 263,968.11
190 $ 1,649.80 $ 867.37 $ 2,517.17 $ 263,100.74
191 $ 1,644.38 $ 872.79 $ 2,517.17 $ 262,227.95
192 $ 1,638.92 $ 878.25 $ 2,517.17 $ 261,349.70
193 $ 1,633.44 $ 883.74 $ 2,517.17 $ 260,465.96
194 $ 1,627.91 $ 889.26 $ 2,517.17 $ 259,576.70
195 $ 1,622.35 $ 894.82 $ 2,517.17 $ 258,681.89
196 $ 1,616.76 $ 900.41 $ 2,517.17 $ 257,781.48
197 $ 1,611.13 $ 906.04 $ 2,517.17 $ 256,875.44
198 $ 1,605.47 $ 911.70 $ 2,517.17 $ 255,963.74
199 $ 1,599.77 $ 917.40 $ 2,517.17 $ 255,046.34
200 $ 1,594.04 $ 923.13 $ 2,517.17 $ 254,123.20
201 $ 1,588.27 $ 928.90 $ 2,517.17 $ 253,194.30
202 $ 1,582.46 $ 934.71 $ 2,517.17 $ 252,259.59
203 $ 1,576.62 $ 940.55 $ 2,517.17 $ 251,319.04
204 $ 1,570.74 $ 946.43 $ 2,517.17 $ 250,372.62
205 $ 1,564.83 $ 952.34 $ 2,517.17 $ 249,420.27
206 $ 1,558.88 $ 958.30 $ 2,517.17 $ 248,461.98
207 $ 1,552.89 $ 964.28 $ 2,517.17 $ 247,497.69
208 $ 1,546.86 $ 970.31 $ 2,517.17 $ 246,527.38
209 $ 1,540.80 $ 976.38 $ 2,517.17 $ 245,551.01
210 $ 1,534.69 $ 982.48 $ 2,517.17 $ 244,568.53
211 $ 1,528.55 $ 988.62 $ 2,517.17 $ 243,579.91
212 $ 1,522.37 $ 994.80 $ 2,517.17 $ 242,585.11
213 $ 1,516.16 $ 1,001.02 $ 2,517.17 $ 241,584.09
214 $ 1,509.90 $ 1,007.27 $ 2,517.17 $ 240,576.82
215 $ 1,503.61 $ 1,013.57 $ 2,517.17 $ 239,563.26
216 $ 1,497.27 $ 1,019.90 $ 2,517.17 $ 238,543.35
217 $ 1,490.90 $ 1,026.28 $ 2,517.17 $ 237,517.08
218 $ 1,484.48 $ 1,032.69 $ 2,517.17 $ 236,484.39
219 $ 1,478.03 $ 1,039.14 $ 2,517.17 $ 235,445.24
220 $ 1,471.53 $ 1,045.64 $ 2,517.17 $ 234,399.60
221 $ 1,465.00 $ 1,052.17 $ 2,517.17 $ 233,347.43
222 $ 1,458.42 $ 1,058.75 $ 2,517.17 $ 232,288.68
223 $ 1,451.80 $ 1,065.37 $ 2,517.17 $ 231,223.31
224 $ 1,445.15 $ 1,072.03 $ 2,517.17 $ 230,151.28
225 $ 1,438.45 $ 1,078.73 $ 2,517.17 $ 229,072.56
226 $ 1,431.70 $ 1,085.47 $ 2,517.17 $ 227,987.09
227 $ 1,424.92 $ 1,092.25 $ 2,517.17 $ 226,894.83
228 $ 1,418.09 $ 1,099.08 $ 2,517.17 $ 225,795.76
229 $ 1,411.22 $ 1,105.95 $ 2,517.17 $ 224,689.81
230 $ 1,404.31 $ 1,112.86 $ 2,517.17 $ 223,576.95
231 $ 1,397.36 $ 1,119.82 $ 2,517.17 $ 222,457.13
232 $ 1,390.36 $ 1,126.82 $ 2,517.17 $ 221,330.31
233 $ 1,383.31 $ 1,133.86 $ 2,517.17 $ 220,196.46
234 $ 1,376.23 $ 1,140.94 $ 2,517.17 $ 219,055.51
235 $ 1,369.10 $ 1,148.08 $ 2,517.17 $ 217,907.44
236 $ 1,361.92 $ 1,155.25 $ 2,517.17 $ 216,752.19
237 $ 1,354.70 $ 1,162.47 $ 2,517.17 $ 215,589.71
238 $ 1,347.44 $ 1,169.74 $ 2,517.17 $ 214,419.98
239 $ 1,340.12 $ 1,177.05 $ 2,517.17 $ 213,242.93
240 $ 1,332.77 $ 1,184.40 $ 2,517.17 $ 212,058.53
241 $ 1,325.37 $ 1,191.81 $ 2,517.17 $ 210,866.72
242 $ 1,317.92 $ 1,199.26 $ 2,517.17 $ 209,667.47
243 $ 1,310.42 $ 1,206.75 $ 2,517.17 $ 208,460.71
244 $ 1,302.88 $ 1,214.29 $ 2,517.17 $ 207,246.42
245 $ 1,295.29 $ 1,221.88 $ 2,517.17 $ 206,024.54
246 $ 1,287.65 $ 1,229.52 $ 2,517.17 $ 204,795.02
247 $ 1,279.97 $ 1,237.20 $ 2,517.17 $ 203,557.82
248 $ 1,272.24 $ 1,244.94 $ 2,517.17 $ 202,312.88
249 $ 1,264.46 $ 1,252.72 $ 2,517.17 $ 201,060.17
250 $ 1,256.63 $ 1,260.55 $ 2,517.17 $ 199,799.62
251 $ 1,248.75 $ 1,268.42 $ 2,517.17 $ 198,531.19
252 $ 1,240.82 $ 1,276.35 $ 2,517.17 $ 197,254.84
253 $ 1,232.84 $ 1,284.33 $ 2,517.17 $ 195,970.51
254 $ 1,224.82 $ 1,292.36 $ 2,517.17 $ 194,678.16
255 $ 1,216.74 $ 1,300.43 $ 2,517.17 $ 193,377.72
256 $ 1,208.61 $ 1,308.56 $ 2,517.17 $ 192,069.16
257 $ 1,200.43 $ 1,316.74 $ 2,517.17 $ 190,752.42
258 $ 1,192.20 $ 1,324.97 $ 2,517.17 $ 189,427.45
259 $ 1,183.92 $ 1,333.25 $ 2,517.17 $ 188,094.20
260 $ 1,175.59 $ 1,341.58 $ 2,517.17 $ 186,752.62
261 $ 1,167.20 $ 1,349.97 $ 2,517.17 $ 185,402.65
262 $ 1,158.77 $ 1,358.41 $ 2,517.17 $ 184,044.24
263 $ 1,150.28 $ 1,366.90 $ 2,517.17 $ 182,677.35
264 $ 1,141.73 $ 1,375.44 $ 2,517.17 $ 181,301.91
265 $ 1,133.14 $ 1,384.04 $ 2,517.17 $ 179,917.87
266 $ 1,124.49 $ 1,392.69 $ 2,517.17 $ 178,525.19
267 $ 1,115.78 $ 1,401.39 $ 2,517.17 $ 177,123.80
268 $ 1,107.02 $ 1,410.15 $ 2,517.17 $ 175,713.65
269 $ 1,098.21 $ 1,418.96 $ 2,517.17 $ 174,294.69
270 $ 1,089.34 $ 1,427.83 $ 2,517.17 $ 172,866.86
271 $ 1,080.42 $ 1,436.75 $ 2,517.17 $ 171,430.10
272 $ 1,071.44 $ 1,445.73 $ 2,517.17 $ 169,984.37
273 $ 1,062.40 $ 1,454.77 $ 2,517.17 $ 168,529.60
274 $ 1,053.31 $ 1,463.86 $ 2,517.17 $ 167,065.74
275 $ 1,044.16 $ 1,473.01 $ 2,517.17 $ 165,592.72
276 $ 1,034.95 $ 1,482.22 $ 2,517.17 $ 164,110.51
277 $ 1,025.69 $ 1,491.48 $ 2,517.17 $ 162,619.03
278 $ 1,016.37 $ 1,500.80 $ 2,517.17 $ 161,118.22
279 $ 1,006.99 $ 1,510.18 $ 2,517.17 $ 159,608.04
280 $ 997.55 $ 1,519.62 $ 2,517.17 $ 158,088.42
281 $ 988.05 $ 1,529.12 $ 2,517.17 $ 156,559.30
282 $ 978.50 $ 1,538.68 $ 2,517.17 $ 155,020.62
283 $ 968.88 $ 1,548.29 $ 2,517.17 $ 153,472.33
284 $ 959.20 $ 1,557.97 $ 2,517.17 $ 151,914.36
285 $ 949.46 $ 1,567.71 $ 2,517.17 $ 150,346.65
286 $ 939.67 $ 1,577.51 $ 2,517.17 $ 148,769.14
287 $ 929.81 $ 1,587.37 $ 2,517.17 $ 147,181.78
288 $ 919.89 $ 1,597.29 $ 2,517.17 $ 145,584.49
289 $ 909.90 $ 1,607.27 $ 2,517.17 $ 143,977.22
290 $ 899.86 $ 1,617.31 $ 2,517.17 $ 142,359.91
291 $ 889.75 $ 1,627.42 $ 2,517.17 $ 140,732.49
292 $ 879.58 $ 1,637.59 $ 2,517.17 $ 139,094.89
293 $ 869.34 $ 1,647.83 $ 2,517.17 $ 137,447.06
294 $ 859.04 $ 1,658.13 $ 2,517.17 $ 135,788.93
295 $ 848.68 $ 1,668.49 $ 2,517.17 $ 134,120.44
296 $ 838.25 $ 1,678.92 $ 2,517.17 $ 132,441.52
297 $ 827.76 $ 1,689.41 $ 2,517.17 $ 130,752.11
298 $ 817.20 $ 1,699.97 $ 2,517.17 $ 129,052.14
299 $ 806.58 $ 1,710.60 $ 2,517.17 $ 127,341.54
300 $ 795.88 $ 1,721.29 $ 2,517.17 $ 125,620.26
301 $ 785.13 $ 1,732.05 $ 2,517.17 $ 123,888.21
302 $ 774.30 $ 1,742.87 $ 2,517.17 $ 122,145.34
303 $ 763.41 $ 1,753.76 $ 2,517.17 $ 120,391.58
304 $ 752.45 $ 1,764.72 $ 2,517.17 $ 118,626.85
305 $ 741.42 $ 1,775.75 $ 2,517.17 $ 116,851.10
306 $ 730.32 $ 1,786.85 $ 2,517.17 $ 115,064.24
307 $ 719.15 $ 1,798.02 $ 2,517.17 $ 113,266.22
308 $ 707.91 $ 1,809.26 $ 2,517.17 $ 111,456.96
309 $ 696.61 $ 1,820.57 $ 2,517.17 $ 109,636.40
310 $ 685.23 $ 1,831.94 $ 2,517.17 $ 107,804.45
311 $ 673.78 $ 1,843.39 $ 2,517.17 $ 105,961.06
312 $ 662.26 $ 1,854.92 $ 2,517.17 $ 104,106.14
313 $ 650.66 $ 1,866.51 $ 2,517.17 $ 102,239.63
314 $ 639.00 $ 1,878.17 $ 2,517.17 $ 100,361.46
315 $ 627.26 $ 1,889.91 $ 2,517.17 $ 98,471.55
316 $ 615.45 $ 1,901.73 $ 2,517.17 $ 96,569.82
317 $ 603.56 $ 1,913.61 $ 2,517.17 $ 94,656.21
318 $ 591.60 $ 1,925.57 $ 2,517.17 $ 92,730.64
319 $ 579.57 $ 1,937.61 $ 2,517.17 $ 90,793.03
320 $ 567.46 $ 1,949.72 $ 2,517.17 $ 88,843.32
321 $ 555.27 $ 1,961.90 $ 2,517.17 $ 86,881.42
322 $ 543.01 $ 1,974.16 $ 2,517.17 $ 84,907.25
323 $ 530.67 $ 1,986.50 $ 2,517.17 $ 82,920.75
324 $ 518.25 $ 1,998.92 $ 2,517.17 $ 80,921.83
325 $ 505.76 $ 2,011.41 $ 2,517.17 $ 78,910.42
326 $ 493.19 $ 2,023.98 $ 2,517.17 $ 76,886.44
327 $ 480.54 $ 2,036.63 $ 2,517.17 $ 74,849.81
328 $ 467.81 $ 2,049.36 $ 2,517.17 $ 72,800.45
329 $ 455.00 $ 2,062.17 $ 2,517.17 $ 70,738.28
330 $ 442.11 $ 2,075.06 $ 2,517.17 $ 68,663.22
331 $ 429.15 $ 2,088.03 $ 2,517.17 $ 66,575.19
332 $ 416.09 $ 2,101.08 $ 2,517.17 $ 64,474.12
333 $ 402.96 $ 2,114.21 $ 2,517.17 $ 62,359.91
334 $ 389.75 $ 2,127.42 $ 2,517.17 $ 60,232.48
335 $ 376.45 $ 2,140.72 $ 2,517.17 $ 58,091.77
336 $ 363.07 $ 2,154.10 $ 2,517.17 $ 55,937.67
337 $ 349.61 $ 2,167.56 $ 2,517.17 $ 53,770.11
338 $ 336.06 $ 2,181.11 $ 2,517.17 $ 51,589.00
339 $ 322.43 $ 2,194.74 $ 2,517.17 $ 49,394.26
340 $ 308.71 $ 2,208.46 $ 2,517.17 $ 47,185.80
341 $ 294.91 $ 2,222.26 $ 2,517.17 $ 44,963.54
342 $ 281.02 $ 2,236.15 $ 2,517.17 $ 42,727.39
343 $ 267.05 $ 2,250.13 $ 2,517.17 $ 40,477.26
344 $ 252.98 $ 2,264.19 $ 2,517.17 $ 38,213.07
345 $ 238.83 $ 2,278.34 $ 2,517.17 $ 35,934.73
346 $ 224.59 $ 2,292.58 $ 2,517.17 $ 33,642.15
347 $ 210.26 $ 2,306.91 $ 2,517.17 $ 31,335.24
348 $ 195.85 $ 2,321.33 $ 2,517.17 $ 29,013.91
349 $ 181.34 $ 2,335.84 $ 2,517.17 $ 26,678.08
350 $ 166.74 $ 2,350.43 $ 2,517.17 $ 24,327.64
351 $ 152.05 $ 2,365.12 $ 2,517.17 $ 21,962.52
352 $ 137.27 $ 2,379.91 $ 2,517.17 $ 19,582.61
353 $ 122.39 $ 2,394.78 $ 2,517.17 $ 17,187.83
354 $ 107.42 $ 2,409.75 $ 2,517.17 $ 14,778.08
355 $ 92.36 $ 2,424.81 $ 2,517.17 $ 12,353.28
356 $ 77.21 $ 2,439.96 $ 2,517.17 $ 9,913.31
357 $ 61.96 $ 2,455.21 $ 2,517.17 $ 7,458.10
358 $ 46.61 $ 2,470.56 $ 2,517.17 $ 4,987.54
359 $ 31.17 $ 2,486.00 $ 2,517.17 $ 2,501.54
360 $ 15.63 $ 2,501.54 $ 2,517.17 ($ 0.00)
PAGO DENTRO DE UN MES ANUALIDAD VENCIDA

22 AÑOS

8 AÑOS 30 AÑOS

$ 325,001.73
DATOS: 0

31-Dec
60000
5%
3000
2 da FORMA
PERIODOS SALARIO TASA G AHORRO TASA INTERES TOTAL ACUMULADO
0 60,000.00 4% 5% 9% (VNA)
1 62,400.00 3,120.00 $ 89,905.86 $ 52,861.98
2 64,896.00 3,244.80 $ 85,781.74
3 67,491.84 3,374.59 $ 81,846.80
4 70,191.51 3,509.58 $ 78,092.36
5 72,999.17 3,649.96 $ 74,510.14
6 75,919.14 3,795.96 $ 71,092.24
7 78,955.91 3,947.80 $ 67,831.13
8 82,114.14 4,105.71 $ 64,719.61
9 85,398.71 4,269.94 $ 61,750.82
10 88,814.66 4,440.73 $ 58,918.22
11 92,367.24 4,618.36 $ 56,215.55
12 96,061.93 4,803.10 $ 53,636.85
13 99,904.41 4,995.22 $ 51,176.44
14 103,900.59 5,195.03 $ 48,828.90
15 108,056.61 5,402.83 $ 46,589.04
16 112,378.87 5,618.94 $ 44,451.93
17 116,874.03 5,843.70 $ 42,412.85
18 121,548.99 6,077.45 $ 40,467.31
19 126,410.95 6,320.55 $ 38,611.01
20 131,467.39 6,573.37 $ 36,839.86
21 136,726.08 6,836.30 $ 35,149.96
22 142,195.13 7,109.76 $ 33,537.58
23 147,882.93 7,394.15 $ 31,999.16
24 153,798.25 7,689.91 $ 30,531.30
25 159,950.18 7,997.51 $ 29,130.79
26 166,348.19 8,317.41 $ 27,794.51
27 173,002.11 8,650.11 $ 26,519.53
 28 179,922.20 8,996.11 $ 25,303.04
29 187,119.09 9,355.95 $ 24,142.35
30 194,603.85 9,730.19 $ 23,034.90
31 202,388.00 10,119.40 $ 21,978.26
32 210,483.52 10,524.18 $ 20,970.08
33 218,902.87 10,945.14 $ 20,008.15
34 227,658.98 11,382.95 $ 19,090.35
35 236,765.34 11,838.27 $ 18,214.64
36 246,235.95 12,311.80 $ 17,379.11
37 256,085.39 12,804.27 $ 16,581.90
38 266,328.81 13,316.44 $ 15,821.26
39 276,981.96 13,849.10 $ 15,095.52
40 288,061.24 14,403.06 $ 14,403.06
1° FORMA $ 1,660,364.12
2° FORMA $ 1,660,364.12
 SUBE EL 4% ANUAL
1 4% 40 AÑOS

3120 EN ADELANTE

FORMULA DE ANUALIDAD CRECIENTE

52861.9797
DATOS:
PRESTAMO 500,000.00
PAGOS SEMESTRALES PAGO EXCELL
Ti 0.09 $ 38,855.53
TIEMPO (AÑOS) 10.00

METODO FRANCES

PERIODO PAGO INTERES PAGO CAPITAL ANUALIDAD VALOR INSOLUTO

- 500,000.00
1.00 23,125.00 15,730.53 $ 38,855.53 484,269.47
2.00 22,397.46 16,458.07 $ 38,855.53 467,811.40
3.00 21,636.28 17,219.26 $ 38,855.53 450,592.14
4.00 20,839.89 18,015.65 $ 38,855.53 432,576.49
5.00 20,006.66 18,848.87 $ 38,855.53 413,727.62
6.00 19,134.90 19,720.63 $ 38,855.53 394,006.99
7.00 18,222.82 20,632.71 $ 38,855.53 373,374.28
8.00 17,268.56 21,586.97 $ 38,855.53 351,787.30
9.00 16,270.16 22,585.37 $ 38,855.53 329,201.93
10.00 15,225.59 23,629.94 $ 38,855.53 305,571.99
11.00 14,132.70 24,722.83 $ 38,855.53 280,849.16
12.00 12,989.27 25,866.26 $ 38,855.53 254,982.90
13.00 11,792.96 27,062.57 $ 38,855.53 227,920.33
14.00 10,541.32 28,314.22 $ 38,855.53 199,606.11
15.00 9,231.78 29,623.75 $ 38,855.53 169,982.36
16.00 7,861.68 30,993.85 $ 38,855.53 138,988.51
17.00 6,428.22 32,427.32 $ 38,855.53 106,561.19
18.00 4,928.46 33,927.08 $ 38,855.53 72,634.11
19.00 3,359.33 35,496.21 $ 38,855.53 37,137.91
20.00 1,717.63 37,137.91 $ 38,855.53 -
TOTAL 277,110.68

METODO ALEMÁN

PERIODO PAGO INTERES PAGO CAPITAL CUOTA VALOR INSOLUTO

- 500,000.00
1.00 23,125.00 25,000.00 48,125.00 475,000.00
2.00 21,968.75 25,000.00 46,968.75 450,000.00
3.00 20,812.50 25,000.00 45,812.50 425,000.00
4.00 19,656.25 25,000.00 44,656.25 400,000.00
5.00 18,500.00 25,000.00 43,500.00 375,000.00
6.00 17,343.75 25,000.00 42,343.75 350,000.00
7.00 16,187.50 25,000.00 41,187.50 325,000.00
8.00 15,031.25 25,000.00 40,031.25 300,000.00
 9.00 13,875.00 25,000.00 38,875.00 275,000.00
10.00 12,718.75 25,000.00 37,718.75 250,000.00
11.00 11,562.50 25,000.00 36,562.50 225,000.00
12.00 10,406.25 25,000.00 35,406.25 200,000.00
13.00 9,250.00 25,000.00 34,250.00 175,000.00
14.00 8,093.75 25,000.00 33,093.75 150,000.00
15.00 6,937.50 25,000.00 31,937.50 125,000.00
16.00 5,781.25 25,000.00 30,781.25 100,000.00
17.00 4,625.00 25,000.00 29,625.00 75,000.00
18.00 3,468.75 25,000.00 28,468.75 50,000.00
19.00 2,312.50 25,000.00 27,312.50 25,000.00
20.00 1,156.25 25,000.00 26,156.25 -
TOTAL 242,812.50
 METODO FRANCES CON EXCELL

PERIODO PAGO INTERES PAGO CAPITAL ANUALIDAD VALOR INSOLUTO

- 500,000.00
1.00 $ 23,125.00 $ 15,730.53 $ 38,855.53 484,269.47
2.00 $ 22,397.46 $ 16,458.07 $ 38,855.53 467,811.40
3.00 $ 21,636.28 $ 17,219.26 $ 38,855.53 450,592.14
4.00 $ 20,839.89 $ 18,015.65 $ 38,855.53 432,576.49
5.00 $ 20,006.66 $ 18,848.87 $ 38,855.53 413,727.62
6.00 $ 19,134.90 $ 19,720.63 $ 38,855.53 394,006.99
7.00 $ 18,222.82 $ 20,632.71 $ 38,855.53 373,374.28
8.00 $ 17,268.56 $ 21,586.97 $ 38,855.53 351,787.30
9.00 $ 16,270.16 $ 22,585.37 $ 38,855.53 329,201.93
10.00 $ 15,225.59 $ 23,629.94 $ 38,855.53 305,571.99
11.00 $ 14,132.70 $ 24,722.83 $ 38,855.53 280,849.16
12.00 $ 12,989.27 $ 25,866.26 $ 38,855.53 254,982.90
13.00 $ 11,792.96 $ 27,062.57 $ 38,855.53 227,920.33
14.00 $ 10,541.32 $ 28,314.22 $ 38,855.53 199,606.11
15.00 $ 9,231.78 $ 29,623.75 $ 38,855.53 169,982.36
16.00 $ 7,861.68 $ 30,993.85 $ 38,855.53 138,988.51
17.00 $ 6,428.22 $ 32,427.32 $ 38,855.53 106,561.19
18.00 $ 4,928.46 $ 33,927.08 $ 38,855.53 72,634.11
19.00 $ 3,359.33 $ 35,496.21 $ 38,855.53 37,137.91
20.00 $ 1,717.63 $ 37,137.91 $ 38,855.53 0.00