CRONOGRAMAS DE PAGOS
I CUOTAS IGUALES (METODO FRANCES)
MODALIDAD VENCIDA
Ej.: Se toma un prestamo de S/.40,000 a 2 años a una tasa efectiva anual de 18%. Determinar la
cuota mensual a pagar y elaborar el cronograma de pagos respectivo considerando que la fecha
del desembolso del prestamo es 1/4/2015
4/1/2015
Prestamo (P) 40,000.00
Plazo (n) 24 periodos mensuales
TEA (i) 18.0%
TEM (ieq) 1.39%
Mod vencida -
Cuota ( R ) S/. 1,971.28 PAGO
Cuota ( R ) FRC
Fecha de Periodo Saldo inicial Cuota Intereses
vencimiento del capital
4/1/2015 0 40,000.00
5/1/2015 1 40,000.00 S/. 1,971.28 555.54
5/31/2015 2 38,584.26 S/. 1,971.28 535.87
6/30/2015 3 37,148.85 S/. 1,971.28 515.94
7/30/2015 4 35,693.51 S/. 1,971.28 495.73
8/29/2015 5 34,217.96 S/. 1,971.28 475.23
9/28/2015 6 32,721.91 S/. 1,971.28 454.46
10/28/2015 7 31,205.09 S/. 1,971.28 433.39
11/27/2015 8 29,667.20 S/. 1,971.28 412.03
12/27/2015 9 28,107.95 S/. 1,971.28 390.38
1/26/2016 10 26,527.04 S/. 1,971.28 368.42
2/25/2016 11 24,924.18 S/. 1,971.28 346.16
3/26/2016 12 23,299.06 S/. 1,971.28 323.59
4/25/2016 13 21,651.37 S/. 1,971.28 300.70
5/25/2016 14 19,980.79 S/. 1,971.28 277.50
6/24/2016 15 18,287.01 S/. 1,971.28 253.98
7/24/2016 16 16,569.71 S/. 1,971.28 230.13
8/23/2016 17 14,828.56 S/. 1,971.28 205.95
9/22/2016 18 13,063.22 S/. 1,971.28 181.43
10/22/2016 19 11,273.37 S/. 1,971.28 156.57
11/21/2016 20 9,458.66 S/. 1,971.28 131.37
12/21/2016 21 7,618.75 S/. 1,971.28 105.81
1/20/2017 22 5,753.28 S/. 1,971.28 79.90
2/19/2017 23 3,861.90 S/. 1,971.28 53.64
3/21/2017 24 1,944.26 S/. 1,971.28 27.00
Total
MODALIDAD ADELANTADA
Prestamo (P) 10,000.00
Plazo (n) 6 periodos mensuales
TEA (i) 20.0%
TEM (ieq) 1.53%
Mod adelantada 1
Cuota ( R ) S/. 1,730.61 PAGO
Cuota ( R ) FRC
Fecha de Periodo Saldo inicial Cuota Intereses
vencimiento del capital
5/15/2016 1 10,000.00 1,730.61
6/14/2016 2 8,269.39 1,730.61 126.60
7/14/2016 3 6,665.38 1,730.61 102.04
8/13/2016 4 5,036.81 1,730.61 77.11
9/12/2016 5 3,383.31 1,730.61 51.80
10/12/2016 6 1,704.50 1,730.61 26.10
11/11/2016 7
12/11/2016 8
1/10/2017 9
2/9/2017 10
3/11/2017 11
4/10/2017 12
5/10/2017 13
6/9/2017 14
7/9/2017 15
8/8/2017 16
9/7/2017 17
10/7/2017 18
11/6/2017 19
12/6/2017 20
1/5/2018 21
2/4/2018 22
3/6/2018 23
4/5/2018 24
Total 10,383.66 383.65
II CUOTAS DECRECIENTES O AMORTIZACION CONSTANTE DE CAPITAL (METODO ALEMAN)
metodo de amortizacion
Prestamo (P) 40,000.00
Plazo (n) 24 periodos mensuales
TEA (i) 18.0%
TEM (ieq) 1.39%
Mod vencida -
Int + Amort
Fecha de Periodo Saldo inicial Cuota Intereses
vencimiento del capital
4/1/2015 0 40,000
5/1/2015 1 40,000.00 2,222.20 555.54
5/31/2015 2 38,333.33 2,199.06 532.39
6/30/2015 3 36,666.67 2,175.91 509.24
7/30/2015 4 35,000.00 2,152.76 486.10
8/29/2015 5 33,333.33 2,129.61 462.95
9/28/2015 6 31,666.67 2,106.47 439.80
10/28/2015 7 30,000.00 2,083.32 416.65
11/27/2015 8 28,333.33 2,060.17 393.51
12/27/2015 9 26,666.67 2,037.02 370.36
1/26/2016 10 25,000.00 2,013.88 347.21
2/25/2016 11 23,333.33 1,990.73 324.06
3/26/2016 12 21,666.67 1,967.58 300.92
4/25/2016 13 20,000.00 1,944.44 277.77
5/25/2016 14 18,333.33 1,921.29 254.62
6/24/2016 15 16,666.67 1,898.14 231.47
7/24/2016 16 15,000.00 1,874.99 208.33
8/23/2016 17 13,333.33 1,851.85 185.18
9/22/2016 18 11,666.67 1,828.70 162.03
10/22/2016 19 10,000.00 1,805.55 138.88
11/21/2016 20 8,333.33 1,782.40 115.74
12/21/2016 21 6,666.67 1,759.26 92.59
1/20/2017 22 5,000.00 1,736.11 69.44
2/19/2017 23 3,333.33 1,712.96 46.29
3/21/2017 24 1,666.67 1,689.81 23.15
Total 46,944.22 6,944.22
III CUOTAS CRECIENTES
Prestamo (P) 40,000.00
Plazo (n) 24 periodos mensuales
TEA (i) 18.0%
TEM (ieq) 1.39%
Mod vencida -
Sumatoria 300 Sumatoria de digitos = N * (N + 1)/2
Fecha de factor Periodo Saldo inicial Cuota Intereses
vencimiento del capital
4/1/2015 0 40,000.00
5/1/2015 0.00 1 40,000.00 688.87 555.54
5/31/2015 0.01 2 39,866.67 820.35 553.69
6/30/2015 0.01 3 39,600.00 949.98 549.98
7/30/2015 0.01 4 39,200.00 1,077.76 544.43
8/29/2015 0.02 5 38,666.67 1,203.69 537.02
9/28/2015 0.02 6 38,000.00 1,327.76 527.76
10/28/2015 0.02 7 37,200.00 1,449.98 516.65
11/27/2015 0.03 8 36,266.67 1,570.35 503.69
12/27/2015 0.03 9 35,200.00 1,688.87 488.87
1/26/2016 0.03 10 34,000.00 1,805.54 472.21
2/25/2016 0.04 11 32,666.67 1,920.36 453.69
3/26/2016 0.04 12 31,200.00 2,033.32 433.32
4/25/2016 0.04 13 29,600.00 2,144.43 411.10
5/25/2016 0.05 14 27,866.67 2,253.69 387.02
6/24/2016 0.05 15 26,000.00 2,361.10 361.10
7/24/2016 0.05 16 24,000.00 2,466.66 333.32
8/23/2016 0.06 17 21,866.67 2,570.36 303.69
9/22/2016 0.06 18 19,600.00 2,672.21 272.21
10/22/2016 0.06 19 17,200.00 2,772.21 238.88
11/21/2016 0.07 20 14,666.67 2,870.36 203.70
12/21/2016 0.07 21 12,000.00 2,966.66 166.66
1/20/2017 0.07 22 9,200.00 3,061.11 127.77
2/19/2017 0.08 23 6,266.67 3,153.70 87.03
3/21/2017 0.08 24 3,200.00 3,244.44 44.44
Total 49,073.77 9,073.77
IV AMORTIZACION DEL CAPITAL EN LA ULTIMA CUOTA (METODO AMERICANO)
Prestamo (P) 40,000.00
Plazo (n) 24 periodos mensuales
TEA (i) 18.0%
TEM (ieq) 1.39%
Mod vencida -
Fecha de Periodo Saldo inicial Cuota Intereses Amortizacion
vencimiento del capital del capital
4/1/2015 0 40,000.00
5/1/2015 1 40,000.00 555.54 555.54
5/31/2015 2 40,000.00 555.54 555.54
6/30/2015 3 40,000.00 555.54 555.54
7/30/2015 4 40,000.00 555.54 555.54
8/29/2015 5 40,000.00 555.54 555.54
9/28/2015 6 40,000.00 555.54 555.54
10/28/2015 7 40,000.00 555.54 555.54
11/27/2015 8 40,000.00 555.54 555.54
12/27/2015 9 40,000.00 555.54 555.54
1/26/2016 10 40,000.00 555.54 555.54
2/25/2016 11 40,000.00 555.54 555.54
3/26/2016 12 40,000.00 555.54 555.54
4/25/2016 13 40,000.00 555.54 555.54
5/25/2016 14 40,000.00 555.54 555.54
6/24/2016 15 40,000.00 555.54 555.54
7/24/2016 16 40,000.00 555.54 555.54
8/23/2016 17 40,000.00 555.54 555.54
9/22/2016 18 40,000.00 555.54 555.54
10/22/2016 19 40,000.00 555.54 555.54
11/21/2016 20 40,000.00 555.54 555.54
12/21/2016 21 40,000.00 555.54 555.54
1/20/2017 22 40,000.00 555.54 555.54
2/19/2017 23 40,000.00 555.54 555.54
3/21/2017 24 40,000.00 40,555.54 555.54 40,000.00
Total 53,332.89 13,332.89 40,000.00
Amortizacion Saldo final
del capital del capital
S/. 1,415.74 38,584.26
S/. 1,435.41 37,148.85
S/. 1,455.34 35,693.51
S/. 1,475.55 34,217.96
S/. 1,496.05 32,721.91
S/. 1,516.82 31,205.09
S/. 1,537.89 29,667.20
S/. 1,559.25 28,107.95
S/. 1,580.90 26,527.04
S/. 1,602.86 24,924.18
S/. 1,625.12 23,299.06
S/. 1,647.69 21,651.37
S/. 1,670.58 19,980.79
S/. 1,693.78 18,287.01
S/. 1,717.30 16,569.71
S/. 1,741.15 14,828.56
S/. 1,765.33 13,063.22
S/. 1,789.85 11,273.37
S/. 1,814.71 9,458.66
S/. 1,839.91 7,618.75
S/. 1,865.47 5,753.28
S/. 1,891.38 3,861.90
S/. 1,917.64 1,944.26
S/. 1,944.28 -0.02
Amortizacion Saldo final
del capital del capital
1,730.61 8,269.39 MP HAY INTERESES
1,604.01 6,665.38
1,628.57 5,036.81
1,653.50 3,383.31
1,678.81 1,704.50
1,704.51 -0.01
10,000.01
metodo de amortizacion constante
Desem / # cuot Si - Amort
Amortizacion Saldo final
del capital del capital
1,666.67 38,333.33
1,666.67 36,666.67
1,666.67 35,000.00
1,666.67 33,333.33
1,666.67 31,666.67
1,666.67 30,000.00
1,666.67 28,333.33
1,666.67 26,666.67
1,666.67 25,000.00
1,666.67 23,333.33
1,666.67 21,666.67
1,666.67 20,000.00
1,666.67 18,333.33
1,666.67 16,666.67
1,666.67 15,000.00
1,666.67 13,333.33
1,666.67 11,666.67
1,666.67 10,000.00
1,666.67 8,333.33
1,666.67 6,666.67
1,666.67 5,000.00
1,666.67 3,333.33
1,666.67 1,666.67
1,666.67 -
40,000.00
Amortizacion Saldo final
del capital del capital factor
133.33 39,866.67
266.67 39,600.00
400.00 39,200.00
533.33 38,666.67
666.67 38,000.00
800.00 37,200.00
933.33 36,266.67
1,066.67 35,200.00
1,200.00 34,000.00
1,333.33 32,666.67
1,466.67 31,200.00
1,600.00 29,600.00
1,733.33 27,866.67
1,866.67 26,000.00
2,000.00 24,000.00
2,133.33 21,866.67
2,266.67 19,600.00
2,400.00 17,200.00
2,533.33 14,666.67
2,666.67 12,000.00
2,800.00 9,200.00
2,933.33 6,266.67
3,066.67 3,200.00
3,200.00 -
40,000.00
Saldo final
del capital
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
40,000.00
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