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1 Se desea adquirir una maquina computadora valorizada en US$ 7,500 a un plazo de tres aos. Elaborar el cronograma
de cuotas iguales mensuales modalidad vencida si el banco cobra una tasa efectiva anual de 7%. El desembolso del
del credito se efectuara el 15/12/2011
P
n
TEA
TEM
Mod vencida
Cuota
Fecha de
vencimiento
12/15/2011
1/14/2012
2/13/2012
3/14/2012
4/13/2012
5/13/2012
6/12/2012
7/12/2012
8/11/2012
9/10/2012
10/10/2012
11/9/2012
12/9/2012
1/8/2013
2/7/2013
3/9/2013
4/8/2013
5/8/2013
6/7/2013
7/7/2013
8/6/2013
9/5/2013
10/5/2013
11/4/2013
12/4/2013
1/3/2014
2/2/2014
3/4/2014
7,500.00
36
7.0%
0.6%
230.84
Num. de
cuota
Saldo inicial
del capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
7,500.00
7,311.56
7,122.06
6,931.49
6,739.84
6,547.11
6,353.28
6,158.37
5,962.34
5,765.21
5,566.97
5,367.60
5,167.11
4,965.49
4,762.72
4,558.81
4,353.74
4,147.52
3,940.13
3,731.56
3,521.82
3,310.89
3,098.77
2,885.45
2,670.92
2,455.18
2,238.22
Cuota
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
Intereses
42.41
41.34
40.27
39.19
38.11
37.02
35.92
34.82
33.71
32.60
31.48
30.35
29.22
28.08
26.93
25.78
24.62
23.45
22.28
21.10
19.91
18.72
17.52
16.31
15.10
13.88
12.66
Amortizacion
del capital
188.44
189.50
190.57
191.65
192.73
193.82
194.92
196.02
197.13
198.24
199.37
200.49
201.63
202.77
203.91
205.07
206.22
207.39
208.56
209.74
210.93
212.12
213.32
214.53
215.74
216.96
218.19
4/3/2014
5/3/2014
6/2/2014
7/2/2014
8/1/2014
8/31/2014
9/30/2014
10/30/2014
11/29/2014
28
29
30
31
32
33
34
35
36
2,020.04
1,800.62
1,579.96
1,358.05
1,134.89
910.46
684.77
457.80
229.54
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
230.84
11.42
10.18
8.93
7.68
6.42
5.15
3.87
2.59
1.30
219.42
220.66
221.91
223.16
224.42
225.69
226.97
228.25
229.54
7,500.00
7,500.00
36
7.0%
0.6%
234.48
Num. de
cuota
CUOTA 8
CUOTA15
CUOTA 23
Saldo inicial
del capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
7,500.00
7,307.92
7,114.76
6,920.51
6,725.16
6,528.70
6,331.13
6,132.45
5,977.12
5,776.43
5,574.61
5,371.65
5,167.54
4,962.28
4,755.85
4,597.74
4,389.26
4,179.59
3,968.74
3,756.70
Cuota
234.48
234.48
234.48
234.48
234.48
234.48
234.48
190.00
234.48
234.48
234.48
234.48
234.48
234.48
185.00
234.48
234.48
234.48
234.48
234.48
190
185
200
Intereses
42.41
41.32
40.23
39.13
38.03
36.91
35.80
34.67
33.80
32.66
31.52
30.37
29.22
28.06
26.89
26.00
24.82
23.63
22.44
21.24
Amortizacion
del capital
192.08
193.16
194.25
195.35
196.46
197.57
198.68
155.33
200.69
201.82
202.96
204.11
205.26
206.42
158.11
208.49
209.66
210.85
212.04
213.24
9/5/2013
10/5/2013
11/4/2013
12/4/2013
1/3/2014
2/2/2014
3/4/2014
4/3/2014
5/3/2014
6/2/2014
7/2/2014
8/1/2014
8/31/2014
9/30/2014
10/30/2014
11/29/2014
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
3,543.46
3,329.01
3,113.35
2,930.95
2,713.04
2,493.90
2,273.52
2,051.89
1,829.01
1,604.87
1,379.47
1,152.78
924.82
695.57
465.02
233.16
234.48
234.48
200.00
234.48
234.48
234.48
234.48
234.48
234.48
234.48
234.48
234.48
234.48
234.48
234.48
234.48
20.04
18.82
17.60
16.57
15.34
14.10
12.85
11.60
10.34
9.07
7.80
6.52
5.23
3.93
2.63
1.32
214.45
215.66
182.40
217.91
219.14
220.38
221.63
222.88
224.14
225.41
226.68
227.96
229.25
230.55
231.85
233.16
7,500.00
2 El Sr. Gonzales desea financiar a 36 meses la adquisicion de un automovil valorizado en US$ 60,000 y conviene con el
banco en que es capaz de pagar en las cuotas de julio y diciembre, cuota y media y doble cuota respectivamente.
Si el banco cobra por este tipo de creditos una tasa efectiva anual de 5%, elaborar el cronograma de pagos respectivo
bajo el sistema de cuotas iguales vencidas si el desembolso se efectuara el 10/12/2011 y el Sr. Gonzales pone el 10%
del valor del vehiculo como cuota inicial y el banco financia la diferencia
Cuotas que voy a adicionar luego adicional o cuotas especiales
P
n
TEA
TEM
Cuota
Fecha de
vencimiento
12/10/2011
1/9/2012
2/8/2012
3/9/2012
4/8/2012
5/8/2012
6/7/2012
7/7/2012
54,000.00
36
5.0%
0.4%
1,472.80
Num. de
cuota
Saldo inicial
del capital
0
1
2
3
4
5
6
7
54,000.00
52,747.20
51,489.30
50,226.27
48,958.09
47,684.75
46,406.23
Cuota
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
2,209.20
Intereses
220.00
214.90
209.77
204.63
199.46
194.27
189.06
Amortizacion
del capital
1,252.80
1,257.90
1,263.03
1,268.17
1,273.34
1,278.53
2,020.14
8/6/2012
9/5/2012
10/5/2012
11/4/2012
12/4/2012
1/3/2013
2/2/2013
3/4/2013
4/3/2013
5/3/2013
6/2/2013
7/2/2013
8/1/2013
8/31/2013
9/30/2013
10/30/2013
11/29/2013
12/29/2013
1/28/2014
2/27/2014
3/29/2014
4/28/2014
5/28/2014
6/27/2014
7/27/2014
8/26/2014
9/25/2014
10/25/2014
11/24/2014
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
44,386.09
43,094.12
41,796.89
40,494.37
39,186.55
36,400.59
35,076.09
33,746.19
32,410.88
31,070.12
29,723.90
28,372.20
26,278.59
24,912.85
23,541.55
22,164.65
20,782.15
19,394.02
16,527.43
15,121.96
13,710.77
12,293.83
10,871.11
9,442.60
8,008.27
5,831.69
4,382.65
2,927.70
1,466.83
1,472.80
1,472.80
1,472.80
1,472.80
2,945.60
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
2,209.20
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
2,945.60
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
1,472.80
2,209.20
1,472.80
1,472.80
1,472.80
1,472.80
180.83
175.57
170.29
164.98
159.65
148.30
142.90
137.49
132.05
126.58
121.10
115.59
107.06
101.50
95.91
90.30
84.67
79.01
67.33
61.61
55.86
50.09
44.29
38.47
32.63
23.76
17.86
11.93
5.98
1,291.97
1,297.23
1,302.52
1,307.82
2,785.95
1,324.50
1,329.90
1,335.32
1,340.76
1,346.22
1,351.70
2,093.61
1,365.74
1,371.30
1,376.89
1,382.50
1,388.13
2,866.59
1,405.47
1,411.19
1,416.94
1,422.72
1,428.51
1,434.33
2,176.58
1,449.04
1,454.95
1,460.87
1,466.83
54,000.00
3 Elaborar un cronograma de pagos a 20 cuotas trimestrales iguales vencidas para una empresa que desea adquirir
un horno de US$ 50,000 considerando que la tasa efectiva anual es de 8%. La fecha del desembolso es 6/9/2011.
Si la empresa hace un prepago por US$ 15,000 en la cuota 12, entonces el banco le debera elaborar un nuevo
cronograma por el saldo del capital. En este caso la TEA sera 9% y la fecha de vencimiento del prestamo no variara al
igual que la forma de pago, esto es, cuotas trimestrales vencidas.
DESEMBOLSO
Cuota 12
15000
P
50,000.00 P2
7,331.51
n
20 n
8.00
TEA1
8.0% TEA2
9.0%
TETrimestral1
1.9% TETrimestral2
2.18%
Cuota 1
3,040.94 Desembolso
15,000.00
Cuota 2
Fecha de
vencimiento
Num. de
cuota
Saldo inicial
del capital
1,008.51
Cuota
Intereses
Amortizacion
del capital
9/6/2011
12/5/2011
1/4/2012
2/3/2012
3/4/2012
4/3/2012
5/3/2012
6/2/2012
7/2/2012
8/1/2012
8/31/2012
9/30/2012
10/30/2012
0
1
2
3
4
5
6
7
8
9
10
11
12
50,000.00
47,930.39
45,820.57
43,669.76
41,477.18
39,242.00
36,963.39
34,640.52
32,272.53
29,858.53
27,397.64
24,888.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
3,040.94
18,040.94
971.33
931.12
890.14
848.35
805.76
762.34
718.07
672.95
626.94
580.05
532.24
483.51
2,069.61
2,109.82
2,150.80
2,192.59
2,235.18
2,278.60
2,322.87
2,367.99
2,414.00
2,460.89
2,508.70
17,557.43
11/29/2012
12/29/2012
1/28/2013
2/27/2013
3/29/2013
4/28/2013
5/28/2013
6/27/2013
13
14
15
16
17
18
19
20
7,331.51
6,482.67
5,615.34
4,729.13
3,823.61
2,898.37
1,952.99
987.01
1,008.51
1,008.51
1,008.51
1,008.51
1,008.51
1,008.51
1,008.51
1,008.51
159.67
141.18
122.29
102.99
83.27
63.12
42.53
21.50
848.84
867.33
886.22
905.52
925.24
945.39
965.97
987.01
50,000.00
7,311.56
7,122.06
6,931.49
6,739.84
6,547.11
6,353.28
6,158.37
5,962.34
5,765.21
5,566.97
5,367.60
5,167.11
4,965.49
4,762.72
4,558.81
4,353.74
4,147.52
3,940.13
3,731.56
3,521.82
3,310.89
3,098.77
2,885.45
2,670.92
2,455.18
2,238.22
2,020.04
1,800.62
1,579.96
1,358.05
1,134.89
910.46
684.77
457.80
229.54
0.00
7,307.92
7,114.76
6,920.51
6,725.16
6,528.70
6,331.13
6,132.45
5,977.12
5,776.43
5,574.61
5,371.65
5,167.54
4,962.28
4,755.85
4,597.74
4,389.26
4,179.59
3,968.74
3,756.70
3,543.46
3,329.01
3,113.35
2,930.95
2,713.04
2,493.90
2,273.52
2,051.89
1,829.01
1,604.87
1,379.47
1,152.78
924.82
695.57
465.02
233.16
-0.00
Saldo final
del capital
PREPAGO
Afecte directamente el saldo de la deuda
52,747.20
51,489.30
50,226.27
48,958.09
47,684.75
46,406.23
44,386.09
(Pago no programado)
Se pague cuoatas por adelantado
43,094.12
41,796.89
40,494.37
39,186.55
36,400.59
35,076.09
33,746.19
32,410.88
31,070.12
29,723.90
28,372.20
26,278.59
24,912.85
23,541.55
22,164.65
20,782.15
19,394.02
16,527.43
15,121.96
13,710.77
12,293.83
10,871.11
9,442.60
8,008.27
5,831.69
4,382.65
2,927.70
1,466.83
0.00
Saldo final
del capital
47,930.39
45,820.57
43,669.76
41,477.18
39,242.00
36,963.39
34,640.52
32,272.53
29,858.53
27,397.64
24,888.94
7,331.51
6,482.67
5,615.34
4,729.13
3,823.61
2,898.37
1,952.99
987.01
-0.00
ULA LA CUOTA
N "BUSCAR"
ULA LA CUOTA
ULA LA CUOTA
ago no programado)
pague cuoatas por adelantado