CASO PRÁCTICO METODOLOGICO
DATOS
VA 200000
PAGOS CUATRIMESTRALES
NPER 12 cuatrimestres ANEXO NPER 4 AÑOS
TASA 8.576705% cuatrimestral ANEXO TEC TEA
28%
N CAPITAL INICIAL INTERES AMORTIZACIÓN NUEVO CAPITAL
1 200000 17,153.41 10,183.97 189,816.03
2 189,816.03 16,279.96 11,057.41 178,758.62
3 178,758.62 15,331.60 12,005.78 166,752.84
4 166,752.84 14,301.90 13,035.48 153,717.37
5 153,717.37 13,183.88 14,153.49 139,563.88
6 139,563.88 11,969.98 15,367.39 124,196.48
7 124,196.48 10,651.97 16,685.41 107,511.07
8 107,511.07 9,220.91 18,116.47 89,394.61
9 89,394.61 7,667.11 19,670.26 69,724.34
10 69,724.34 5,980.05 21,357.32 48,367.02
11 48,367.02 4,148.30 23,189.08 25,177.94
12 25,177.94 2,159.44 25,177.94 -
128,048.50 200,000.00
INTERES PERIODO 12 2159.44
AMORTIZACION PERIODO 10 21,357.32
PAGO 23,516.76
OPERACIONES MÚLTIPLES
CASO 1
1.1. ACTUALIZACIÓN
ARGUMENTOS
TASA 1.906762% MENSUAL ANEXO TEM TNA
NPER 6 MESES 24%
PAGO -70000 MENSUAL
VF 0
TIPO 0
VA 393,336.91
TASA 1.906762% MENSUAL
NPER 2 MESES
PAGO 0 MENSUAL
VF 393,336.91
TIPO 0
VA 378,755.28
1.2. CAPITALIZACIÓN
ARGUMENTOS
TASA 1.906762% MENSUAL
NPER 8 MESES
PAGO 0 MENSUAL
VA 378,755.28
TIPO 0
VF 440,537.34
1.3. CUADRO DE SERVICIO DE DEUDA: 12 BIMESTRES
DATOS
VA 378,755.28
PAGOS BIMESTRALES
NPER 12 BIMESTRES
TASA 3.849882% BIMESTRAL ANEXO TEB TEM
1.906762%
N CAPITAL INICIAL INTERES AMORTIZACIÓN NUEVO CAPITAL
1 378,755.28 14,581.63 25,424.83 353,330.45
2 353,330.45 13,602.81 26,403.65 326,926.80
3 326,926.80 12,586.30 27,420.16 299,506.63
4 299,506.63 11,530.65 28,475.81 271,030.83
5 271,030.83 10,434.37 29,572.09 241,458.73
6 241,458.73 9,295.88 30,710.58 210,748.15
7 210,748.15 8,113.56 31,892.91 178,855.24
8 178,855.24 6,885.72 33,120.74 145,734.50
9 145,734.50 5,610.61 34,395.85 111,338.64
10 111,338.64 4,286.41 35,720.05 75,618.59
11 75,618.59 2,911.23 37,095.23 38,523.36
12 38,523.36 1,483.10 38,523.36 0.00
1.4. CUADRO DE SERVICIO DE DEUDA: 24 MESES
DATOS
VA 326,926.80
PAGOS MENSUALES
NPER 24 MESES
TASA 1.906762% MENSUAL ANEXO TEM TEB
3.849882%
N CAPITAL INICIAL INTERES AMORTIZACIÓN NUEVO CAPITAL
1 378,755.28 7,221.96 12,592.36 366,162.92
2 366,162.92 6,981.86 12,832.47 353,330.45
3 353,330.45 6,737.17 13,077.15 340,253.30
4 340,253.30 6,487.82 13,326.50 326,926.80
5 326,926.80 6,233.72 13,580.61 313,346.19
6 313,346.19 5,974.77 13,839.56 299,506.63
7 299,506.63 5,710.88 14,103.44 285,403.19
8 285,403.19 5,441.96 14,372.36 271,030.83
9 271,030.83 5,167.91 14,646.41 256,384.42
10 256,384.42 4,888.64 14,925.68 241,458.73
11 241,458.73 4,604.04 15,210.28 226,248.45
12 226,248.45 4,314.02 15,500.30 210,748.15
13 210,748.15 4,018.47 15,795.86 194,952.29
14 194,952.29 3,717.28 16,097.05 178,855.24
15 178,855.24 3,410.34 16,403.98 162,451.26
16 162,451.26 3,097.56 16,716.76 145,734.50
17 145,734.50 2,778.81 17,035.51 128,698.98
18 128,698.98 2,453.98 17,360.34 111,338.64
19 111,338.64 2,122.96 17,691.36 93,647.28
20 93,647.28 1,785.63 18,028.69 75,618.59
21 75,618.59 1,441.87 18,372.46 57,246.13
22 57,246.13 1,091.55 18,722.78 38,523.36
23 38,523.36 734.55 19,079.78 19,443.58
24 19,443.58 370.74 19,443.58 0.00
CASO 2
DATOS
VA 200000
PAGOS TRIMESTRALES
NPER 16 TRIMESTRES ANEXO NPER-4 AÑOS: 4*4=16
TASA 7.187337% TRIMESTRAL ANEXO TET TEA
32%
N CAPITAL INICIAL INTERES AMORTIZACIÓN NUEVO CAPITAL
1 200000 14,374.67 7,060.40 192,939.60
2 192,939.60 13,867.22 7,567.85 185,371.75
3 185,371.75 13,323.29 8,111.78 177,259.97
4 177,259.97 12,740.27 8,694.80 168,565.16
5 168,565.16 12,115.35 9,319.73 159,245.44
6 159,245.44 11,445.51 9,989.57 149,255.87
7 149,255.87 10,727.52 10,707.55 138,548.32
8 138,548.32 9,957.94 11,477.14 127,071.18
9 127,071.18 9,133.03 12,302.04 114,769.14
10 114,769.14 8,248.85 13,186.23 101,582.91
11 101,582.91 7,301.11 14,133.97 87,448.94
12 87,448.94 6,285.25 15,149.82 72,299.12
13 72,299.12 5,196.38 16,238.69 56,060.43
14 56,060.43 4,029.25 17,405.82 38,654.60
15 38,654.60 2,778.24 18,656.84 19,997.77
16 19,997.77 1,437.31 19,997.77 -
INTERES EN LOS 2 ULTIMOS AÑOS 44409.41 DEL PERIODO 9 AL 16
AMORTIZACION(2 PRIMEROS AÑOS) 72928.82 DEL PERIODO 1 AL 8
PAGO 117338.24
INTERES Y AMORTIZACIÓN EN CADA AÑO
INTERES EN EL 1º AÑO 54305.46 DEL PERIODO 1 AL 4
AMORTIZACION EN EL 1º AÑO 31434.84
PAGO 85740.30
INTERES EN EL 2º AÑO 44246.31 DEL PERIODO 5 AL 8
AMORTIZACION EN EL 2º AÑO 41493.98
PAGO 85740.30
INTERES EN EL 3º AÑO 30968.24 DEL PERIODO 9 AL 12
AMORTIZACION EN EL 3º AÑO 54772.06
PAGO 85740.30
INTERES EN EL 4º AÑO 13441.18 DEL PERIODO 13 AL 16
AMORTIZACION EN EL 4º AÑO 72299.12
PAGO 85740.30
INTERES PERIODO 10 Y AMORTIZACIÓN PERIODO 12
INTERES EN EL PERIODO 10 8248.85
AMORTIZACION EN EL PERIODO 12 15149.82
PAGO 23398.67
DETERMINAR DEUDA EXTINGUIDA AL PERIODO 8
DATOS
VA 200000
PAGOS TRIMESTRALES
NPER 8 TRIMESTRES ANEXO NPER-4 AÑOS: 4*4=16
TASA 7.187337% TRIMESTRAL ANEXO TET TEA
32%
N CAPITAL INICIAL INTERES AMORTIZACIÓN NUEVO CAPITAL
1 200000 14,374.67 19,362.44 180,637.56
2 180,637.56 12,983.03 20,754.08 159,883.48
3 159,883.48 11,491.36 22,245.75 137,637.73
4 137,637.73 9,892.49 23,844.63 113,793.10
5 113,793.10 8,178.69 25,558.42 88,234.68
6 88,234.68 6,341.72 27,395.39 60,839.29
7 60,839.29 4,372.73 29,364.39 31,474.91
8 31,474.91 2,262.21 31,474.91 -
69896.91 200,000.00
CASO 3
DATOS
VA 160000
PAGOS MENSUALES
NPER 24 MESES ANEXO NPER-2 AÑOS: 12*2=24
TASA 2.340569% MENSUAL ANEXO TEB TEA
32%
N CAPITAL INICIAL INTERES AMORTIZACIÓN NUEVO CAPITAL
1 160000 3,744.91 5,044.33 154,955.67
2 154,955.67 3,626.84 5,162.40 149,793.27
3 149,793.27 3,506.02 5,283.23 144,510.05
4 144,510.05 3,382.36 5,406.88 139,103.17
5 139,103.17 3,255.81 5,533.43 133,569.73
6 133,569.73 3,126.29 5,662.95 127,906.78
7 127,906.78 2,993.75 5,795.49 122,111.29
8 122,111.29 2,858.10 5,931.14 116,180.15
9 116,180.15 2,719.28 6,069.96 110,110.18
10 110,110.18 2,577.20 6,212.04 103,898.15
11 103,898.15 2,431.81 6,357.43 97,540.72
12 97,540.72 2,283.01 6,506.23 91,034.48
13 91,034.48 2,130.72 6,658.52 84,375.97
14 84,375.97 1,974.88 6,814.36 77,561.60
15 77,561.60 1,815.38 6,973.86 70,587.75
16 70,587.75 1,652.15 7,137.09 63,450.66
17 63,450.66 1,485.11 7,304.13 56,146.53
18 56,146.53 1,314.15 7,475.09 48,671.44
19 48,671.44 1,139.19 7,650.05 41,021.38
20 41,021.38 960.13 7,829.11 33,192.28
21 33,192.28 776.89 8,012.35 25,179.92
22 25,179.92 589.35 8,199.89 16,980.04
23 16,980.04 397.43 8,391.81 8,588.23
24 8,588.23 201.01 8,588.23 -
50,941.77 160,000.00
TABLA DE INTERES Y AMORTIZACION DE CADA AÑO
INTERES EN EL 1º AÑO 36505.37
AMORTIZACION EN EL 1º AÑO 103898.15
PAGO 140403.52
INTERES EN EL 2º AÑO 19151.22
AMORTIZACION EN EL 2º AÑO 103898.15
PAGO 123049.37
AMORTIZACÒN AL PERIODO 20 E INTERES AL PERIODO 18
INTERES EN EL PERIODO 18 1314.15
AMORTIZACION EN EL PERIODO 20 7829.11
PAGO 9143.25
3*4 = 12
TEC
8.576705%
PAGO
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
27,337.38
TPS TEM
12.00% 1.906762%
TEB
3.849882%
PAGO
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
40,006.46
TEM
1.906762%
PAGO
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
19,814.32
TET
7.187337%
PAGO
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
21,435.07
TET
7.187337%
PAGO
33,737.11
33,737.11
33,737.11
33,737.11
33,737.11
33,737.11
33,737.11
33,737.11
TEM
2.340569%
PAGO
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
8,789.24
