ANUALIDADES

Tabla de amortizacion cuota fija

Periodo Cuota Interes Abono a capital Saldo

- 7,565,570.24
1.00 400,000.00 151,311.40 248,688.60 7,316,881.65
2.00 400,000.00 146,337.63 253,662.37 7,063,219.28
3.00 400,000.00 141,264.39 258,735.61 6,804,483.66
4.00 400,000.00 136,089.67 263,910.33 6,540,573.34
5.00 400,000.00 130,811.47 269,188.53 6,271,384.80
6.00 400,000.00 125,427.70 274,572.30 5,996,812.50
7.00 400,000.00 119,936.25 280,063.75 5,716,748.75
8.00 400,000.00 114,334.98 285,665.02 5,431,083.73
9.00 400,000.00 108,621.67 291,378.33 5,139,705.40
10.00 400,000.00 102,794.11 297,205.89 4,842,499.51
11.00 400,000.00 96,849.99 303,150.01 4,539,349.50
12.00 400,000.00 90,786.99 309,213.01 4,230,136.49
13.00 400,000.00 84,602.73 315,397.27 3,914,739.22
14.00 400,000.00 78,294.78 321,705.22 3,593,034.00
15.00 400,000.00 71,860.68 328,139.32 3,264,894.68
16.00 400,000.00 65,297.89 334,702.11 2,930,192.58
17.00 400,000.00 58,603.85 341,396.15 2,588,796.43
18.00 400,000.00 51,775.93 348,224.07 2,240,572.36
19.00 400,000.00 44,811.45 355,188.55 1,885,383.80
20.00 400,000.00 37,707.68 362,292.32 1,523,091.48
21.00 400,000.00 30,461.83 369,538.17 1,153,553.31
22.00 400,000.00 23,071.07 376,928.93 776,624.38
23.00 400,000.00 15,532.49 384,467.51 392,156.86
24.00 400,000.00 7,843.14 392,156.86 0.00
Tasa 2%
Valor de contado de la moto

precio moto $ 7,565,570.24

tasa 2%
plazo 24.00
 Tabla de amortizacion cuota fija

Periodo Cuota Interes Abono a capital

- 2,400,000.00
1.00 $ 379,946.63 288,000.00 $ 91,946.63
2.00 $ 379,946.63 285,241.60 94,705.03
3.00 $ 379,946.63 282,400.45 97,546.18
4.00 $ 379,946.63 279,474.06 100,472.56
5.00 $ 379,946.63 276,459.89 103,486.74
6.00 $ 379,946.63 273,355.29 106,591.34
7.00 $ 379,946.63 270,157.55 109,789.08
8.00 $ 379,946.63 266,863.87 113,082.76
9.00 $ 379,946.63 263,471.39 116,475.24
10.00 $ 379,946.63 259,977.13 119,969.50
11.00 $ 379,946.63 256,378.05 123,568.58
12.00 $ 379,946.63 252,670.99 127,275.64
13.00 $ 379,946.63 248,852.72 131,093.91
14.00 $ 379,946.63 244,919.90 135,026.72
15.00 $ 379,946.63 240,869.10 139,077.53
16.00 $ 379,946.63 236,696.78 143,249.85
17.00 $ 379,946.63 232,399.28 147,547.35
18.00 $ 379,946.63 227,972.86 151,973.77
19.00 $ 379,946.63 223,413.65 156,532.98
20.00 $ 379,946.63 218,717.66 161,228.97
21.00 $ 379,946.63 213,880.79 166,065.84
22.00 $ 379,946.63 208,898.81 171,047.81
23.00 $ 379,946.63 203,767.38 176,179.25
24.00 $ 379,946.63 198,482.00 181,464.63
25.00 $ 379,946.63 193,038.06 186,908.56
26.00 $ 379,946.63 187,430.81 192,515.82
27.00 $ 379,946.63 181,655.33 198,291.30
28.00 $ 379,946.63 175,706.59 204,240.04
29.00 $ 379,946.63 169,579.39 210,367.24
30.00 $ 379,946.63 163,268.38 216,678.25
31.00 $ 379,946.63 156,768.03 223,178.60
32.00 $ 379,946.63 150,072.67 229,873.96
33.00 $ 379,946.63 143,176.45 236,770.18
34.00 $ 379,946.63 136,073.35 243,873.28
35.00 $ 379,946.63 128,757.15 251,189.48
36.00 $ 379,946.63 121,221.46 258,725.17
37.00 $ 379,946.63 113,459.71 266,486.92
38.00 $ 379,946.63 105,465.10 274,481.53
39.00 $ 379,946.63 97,230.65 282,715.97
40.00 $ 379,946.63 88,749.18 291,197.45
 41.00 $ 379,946.63 80,013.25 299,933.38
42.00 $ 379,946.63 71,015.25 308,931.38
43.00 $ 379,946.63 61,747.31 318,199.32
44.00 $ 379,946.63 52,201.33 327,745.30
45.00 $ 379,946.63 42,368.97 337,577.66
46.00 $ 379,946.63 32,241.64 347,704.99
47.00 $ 379,946.63 21,810.49 358,136.14
48.00 $ 379,946.63 11,066.41 368,880.22

Con buscar objetivo

Periodo Cuota Interes Abono a capital

- 2,400,000.00
1.00 379,946.63 288,000.00 91,946.63
2.00 379,946.63 285,241.60 94,705.03
3.00 379,946.63 282,400.45 97,546.18
4.00 379,946.63 279,474.06 100,472.56
5.00 379,946.63 276,459.89 103,486.74
6.00 379,946.63 273,355.29 106,591.34
7.00 379,946.63 270,157.55 109,789.08
8.00 379,946.63 266,863.87 113,082.76
9.00 379,946.63 263,471.39 116,475.24
10.00 379,946.63 259,977.13 119,969.50
11.00 379,946.63 256,378.05 123,568.58
12.00 379,946.63 252,670.99 127,275.64
13.00 379,946.63 248,852.72 131,093.91
14.00 379,946.63 244,919.90 135,026.72
15.00 379,946.63 240,869.10 139,077.53
16.00 379,946.63 236,696.78 143,249.85
17.00 379,946.63 232,399.28 147,547.35
18.00 379,946.63 227,972.86 151,973.77
19.00 379,946.63 223,413.65 156,532.98
20.00 379,946.63 218,717.66 161,228.97
21.00 379,946.63 213,880.79 166,065.84
22.00 379,946.63 208,898.81 171,047.81
23.00 379,946.63 203,767.38 176,179.25
24.00 379,946.63 198,482.00 181,464.63
25.00 379,946.63 193,038.06 186,908.56
26.00 379,946.63 187,430.81 192,515.82
27.00 379,946.63 181,655.33 198,291.30
28.00 379,946.63 175,706.59 204,240.04
29.00 379,946.63 169,579.39 210,367.24
30.00 379,946.63 163,268.38 216,678.25
31.00 379,946.63 156,768.03 223,178.60
 32.00 379,946.63 150,072.67 229,873.96
33.00 379,946.63 143,176.45 236,770.18
34.00 379,946.63 136,073.35 243,873.28
35.00 379,946.63 128,757.15 251,189.48
36.00 379,946.63 121,221.46 258,725.17
37.00 379,946.63 113,459.71 266,486.92
38.00 379,946.63 105,465.10 274,481.53
39.00 379,946.63 97,230.65 282,715.97
40.00 379,946.63 88,749.18 291,197.45
41.00 379,946.63 80,013.25 299,933.38
42.00 379,946.63 71,015.25 308,931.38
43.00 379,946.63 61,747.31 318,199.32
44.00 379,946.63 52,201.33 327,745.30
45.00 379,946.63 42,368.97 337,577.66
46.00 379,946.63 32,241.64 347,704.99
47.00 379,946.63 21,810.49 358,136.14
48.00 379,946.63 11,066.41 368,880.22

TABLA DE SENSIBILIZACION (PLAZO Y TASA DE INTERES)

$ 379,946.63 12.00 24.00 36.00

1%
2%
3%
4%
 Abraham adquiere un tour por sur america que tiene un precio de contado de $12,000,000 y el
cual lo piensa financiar mediante la siguiente manera tasa de interes del 3% mensual cuota
inicial del 20% del valor de contado plazo 4 aos (48 meses) determinar:
1.cuota fija mensual que tendra que pagar abraham
Saldo 2.valor real del viaje sacado a credito
9,600,000.00 3.interes
9,508,053.37 4.tabla de amortizacion
5.creacion tabla de sensibilizacion (plazo y tasas de interes)
9,413,348.34 6.creacion de escenarios
9,315,802.17
9,215,329.60
9,111,842.86
9,005,251.52
8,895,462.44
8,782,379.68 MODELO FINANCIERO
8,665,904.44
8,545,934.95 Precio del viaje 12,000,000.00
8,422,366.37 tasa de interes mensual 3%
8,295,090.73 cuota inicial 20%
8,163,996.82 plazo meses 48.00
8,028,970.10 valor a financiar 9,600,000.00
7,889,892.57 cuota inicial en pesos 2,400,000.00
7,746,642.72 cuota mensual $ 379,946.63
7,599,095.38 valor real del viaje sacado a credito 20,637,438.17
7,447,121.61 intereses 8,637,438.17
7,290,588.63
7,129,359.66
6,963,293.82
6,792,246.01
6,616,066.76
6,434,602.13
6,247,693.57
6,055,177.75
5,856,886.45
5,652,646.41
5,442,279.18
5,225,600.92
5,002,422.32
4,772,548.37
4,535,778.19
4,291,904.90
4,040,715.42
3,781,990.26
3,515,503.34
3,241,021.81
2,958,305.83
2,667,108.38
 2,367,175.00
2,058,243.63
1,740,044.31
1,412,299.01
1,074,721.35
727,016.36
368,880.22
0.00

ar objetivo

Saldo
9,600,000.00 tasa 3%
9,508,053.37
9,413,348.34
9,315,802.17
9,215,329.60
9,111,842.86
9,005,251.52
8,895,462.44
8,782,379.68
8,665,904.44
8,545,934.95
8,422,366.37
8,295,090.73
8,163,996.82
8,028,970.10
7,889,892.57
7,746,642.72
7,599,095.38
7,447,121.61
7,290,588.63
7,129,359.66
6,963,293.82
6,792,246.01
6,616,066.76
6,434,602.13
6,247,693.57
6,055,177.75
5,856,886.45
5,652,646.41
5,442,279.18
5,225,600.92
5,002,422.32
 4,772,548.37
4,535,778.19
4,291,904.90
4,040,715.42
3,781,990.26
3,515,503.34
3,241,021.81
2,958,305.83
2,667,108.38
2,367,175.00
2,058,243.63
1,740,044.31
1,412,299.01
1,074,721.35
727,016.36
368,880.22
(0.00)

ERES)

48.00 60.00
ado de $12,000,000 y el
l 3% mensual cuota
r:
 Tabla de amortizacion cuota fija

Periodo Cuota Interes Abono a capital

- 3,000,000.00
1.00 400,000.00 102,577.65 297,422.35
2.00 400,000.00 95,142.09 304,857.91
3.00 400,000.00 87,520.64 312,479.36
4.00 400,000.00 79,708.66 320,291.34
5.00 400,000.00 71,701.37 328,298.63
6.00 400,000.00 63,493.91 336,506.09
7.00 400,000.00 55,081.25 344,918.75
8.00 400,000.00 46,458.28 353,541.72
9.00 400,000.00 37,619.74 362,380.26
10.00 400,000.00 28,560.24 371,439.76
11.00 400,000.00 19,274.24 380,725.76
12.00 400,000.00 9,756.10 390,243.90
 1. Se compra un vehiculo con una cuota inicial de
$3.000.000 y 12 cuotas mensuales iguales de
$400.000. la agencia le cobra el 2.5% mensual sobre
saldos. calcular el valor del vehiculo y construir tabla
Saldo de amortizacion.
4,103,105.84
3,805,683.49
3,500,825.57
3,188,346.21
2,868,054.87
2,539,756.24
2,203,250.15
1,858,331.40
1,504,789.68 precio vehiculo $ 4,103,105.84
1,142,409.43 tasa 3%
770,969.66 plazo 12.00
390,243.90
0.00
Tasa 3%
 Tabla de amortizacion cuota fija

Periodo Cuota Interes Abono a capital

- 1,057,534.12
1.00 1,000,000.00 190,356.14 809,643.86
2.00 1,000,000.00
3.00 1,000,000.00
4.00 1,000,000.00
5.00 1,000,000.00
6.00 1,000,000.00
7.00 1,000,000.00
8.00 1,000,000.00
9.00 1,000,000.00
10.00 1,000,000.00
11.00 1,000,000.00
12.00 1,000,000.00
 2. Calcular el valor de contado de un vehiculo que
financiado se puede adquirir de la siguiente forma una
Saldo cuota inicial de 10% del valor de contado y 12 cuotas
9,517,807.10 mensuales de $1.000.000 la tasa de interes de
financiacion es de 2% mensual resolucion excel.
8,708,163.24

precio vehiculo $ 10,575,341.22

tasa 2%
plazo 12.00

Tasa 2%
n vehiculo que
guiente forma una
tado y 12 cuotas
interes de
ucion excel.