1.Una entidad financiera otorgó un préstamo de vehículo por $100.000.

000, para pagar en cuotas mensuales durante año

condiciones siguientes: Tasa 15% semestre vencido y tres cuota extra de $2.000.000 cada seis meses. Favor elaborar lo sig
a.Una tabla de pagos con abono constante.
b.Tabla de amortización calculando inicialmente la cuota fija mensual
c.Tabla de amortización sin calcular la cuota fija mensual

prestamos
$100,000,000.00 parte A
nper 1.5 años 18 meses
tasa 15.00% semestral 2% mensual

A
nper cuota cuota extra interes amortización
0
1 $7,912,262.87 $2,356,707.31 $5,555,556
2 $7,781,334.68 $2,225,779.13 $5,555,556
3 $7,650,406.50 $2,094,850.94 $5,555,556
4 $7,519,478.32 $1,963,922.76 $5,555,556
5 $7,388,550.13 $1,832,994.58 $5,555,556
6 $7,257,621.95 $2,000,000.00 $1,702,066.39 $5,555,556
7 $7,079,559.62 $1,524,004.06 $5,555,556
8 $6,948,631.43 $1,393,075.88 $5,555,556
9 $6,817,703.25 $1,262,147.69 $5,555,556
10 $6,686,775.07 $1,131,219.51 $5,555,556
11 $6,555,846.88 $1,000,291.33 $5,555,556
12 $6,424,918.70 $2,000,000.00 $869,363.14 $5,555,556
13 $6,246,856.37 $691,300.81 $5,555,556
14 $6,115,928.18 $560,372.63 $5,555,556
15 $5,985,000.00 $429,444.44 $5,555,556
16 $5,854,071.82 $298,516.26 $5,555,556
17 $5,723,143.63 $167,588.08 $5,555,556
18 $5,592,215.45 $2,000,000.00 $36,659.89 $5,555,556

B
nper cuota cuota extra interes amortización
0
1 $6,566,995.75 $2,356,707.31 $4,210,288.44
2 $6,566,995.75 $2,257,483.14 $4,309,512.61
3 $6,566,995.75 $2,155,920.54 $4,411,075.21
4 $6,566,995.75 $2,051,964.41 $4,515,031.34
5 $6,566,995.75 $1,945,558.33 $4,621,437.42
6 $6,566,995.75 $2,000,000.00 $1,836,644.58 $6,730,351.17
7 $6,566,995.75 $1,678,029.90 $4,888,965.85
8 $6,566,995.75 $1,562,811.28 $5,004,184.46
9 $6,566,995.75 $1,444,877.30 $5,122,118.44
 10 $6,566,995.75 $1,324,163.96 $5,242,831.78
11 $6,566,995.75 $1,200,605.76 $5,366,389.98
12 $6,566,995.75 $2,000,000.00 $1,074,135.66 $7,492,860.09
13 $6,566,995.75 $897,550.88 $5,669,444.87
14 $6,566,995.75 $763,938.66 $5,803,057.09
15 $6,566,995.75 $627,177.58 $5,939,818.16
16 $6,566,995.75 $487,193.46 $6,079,802.29
17 $6,566,995.75 $343,910.31 $6,223,085.44
18 $6,566,995.75 $2,000,000.00 $197,250.40 $8,369,745.35

C
nper cuota cuota extra interes amortización
0
1 $6,566,995.75 $2,356,707.31 $4,210,288.44
2 $6,566,995.75 $2,257,483.14 $4,309,512.61
3 $6,566,995.75 $2,155,920.54 $4,411,075.21
4 $6,566,995.75 $2,051,964.41 $4,515,031.34
5 $6,566,995.75 $1,945,558.33 $4,621,437.42
6 $6,566,995.75 $2,000,000.00 $1,836,644.58 $6,730,351.17
7 $6,566,995.75 $1,678,029.90 $4,888,965.85
8 $6,566,995.75 $1,562,811.28 $5,004,184.46
9 $6,566,995.75 $1,444,877.30 $5,122,118.44
10 $6,566,995.75 $1,324,163.96 $5,242,831.78
11 $6,566,995.75 $1,200,605.76 $5,366,389.98
12 $6,566,995.75 $2,000,000.00 $1,074,135.66 $7,492,860.09
13 $6,566,995.75 $897,550.88 $5,669,444.87
14 $6,566,995.75 $763,938.66 $5,803,057.09
15 $6,566,995.75 $627,177.58 $5,939,818.16
16 $6,566,995.75 $487,193.46 $6,079,802.29
17 $6,566,995.75 $343,910.31 $6,223,085.44
18 $6,566,995.75 $2,000,000.00 $197,250.40 $8,369,745.35
ar en cuotas mensuales durante año y medio, con las
ada seis meses. Favor elaborar lo siguiente:

saldo
$100,000,000.00
$94,444,444.44
$88,888,888.89
$83,333,333.33
$77,777,777.78
$72,222,222.22
$64,666,666.67
$59,111,111.11
$53,555,555.56
$48,000,000.00
$42,444,444.44
$36,888,888.89
$29,333,333.33
$23,777,777.78
$18,222,222.22
$12,666,666.67
$7,111,111.11
$1,555,555.56
($6,000,000.00)

saldo
$100,000,000.00
$95,789,711.56 Va(6) $ 1,739,130.43
$91,480,198.95 Va(12) $ 1,512,287.33
$87,069,123.74 Va(18) $ 1,315,032.46
$82,554,092.40 Vp $ 3,054,162.90
$77,932,654.99 Vp(credito) $ 96,945,837.10
$71,202,303.82 cuota $ 6,671,059.62
$66,313,337.97
$61,309,153.51
$56,187,035.06
 $50,944,203.28
$45,577,813.29
$38,084,953.20
$32,415,508.33
$26,612,451.24
$20,672,633.08
$14,592,830.78
$8,369,745.35
$0.00

saldo
$100,000,000.00
$95,789,711.56
$91,480,198.95
$87,069,123.74
$82,554,092.40
$77,932,654.99
$71,202,303.82
$66,313,337.97
$61,309,153.51
$56,187,035.06
$50,944,203.28
$45,577,813.29
$38,084,953.20
$32,415,508.33
$26,612,451.24
$20,672,633.08
$14,592,830.78
$8,369,745.35
$0.00
2. Un préstamo de $50.000.000, se pactó pagar en 2 años, a una tasa de 24% E.A. y con cuotas extras cada 6 meses de $1.500
al anterior escenario, se solicita
a. Elaborar una tabla de amortización sin el cálculo de la cuota mensual
b. Verificar la situación anterior calculando inicialmente la cuota mensual y elaborar la tabla de pagos
c. Construir tabla de pagos con abono constante y determinar el período de terminación de la deuda

prestamo $50,000,000.00
nper 2 años 24 meses
tasa 24% anual 2% mensual
cuota extra $1,500,000.00

nper cuota cuota extra inteses amortización

0
1 2347700.3223497 $904,379.12 1443321.19817
2 2347700.3223497 $878,272.93 1469427.3894
3 2347700.3223497 $851,694.54 1496005.77851
4 2347700.3223497 $824,635.42 1523064.90642
5 2347700.3223497 $797,086.85 1550613.46854
6 2347700.3223497 $1,500,000.00 $769,040.00 3078660.31756
7 2347700.3223497 $713,354.48 1634345.83999
8 2347700.3223497 $683,793.12 1663907.20517
9 2347700.3223497 $653,697.06 1694003.26399
10 2347700.3223497 $623,056.63 1724643.68776
11 2347700.3223497 $591,862.00 1755838.32272
12 2347700.3223497 $1,500,000.00 $560,103.13 3287597.19321
13 2347700.3223497 $500,638.44 1847061.87861
14 2347700.3223497 $467,229.56 1880470.76269
15 2347700.3223497 $433,216.39 1914483.93272
16 2347700.3223497 $398,588.00 1949112.31877
17 2347700.3223497 $363,333.27 1984367.0486
18 2347700.3223497 $1,500,000.00 $327,440.87 3520259.45127
19 2347700.3223497 $263,767.89 2083932.43446
20 2347700.3223497 $226,074.59 2121625.73426
21 2347700.3223497 $187,699.51 2160000.81472
22 2347700.3223497 $148,630.31 2199070.00762
23 2347700.3223497 $108,854.45 2238845.86777
24 2347700.3223497 $1,500,000.00 $68,359.15 3779341.17708
on cuotas extras cada 6 meses de $1.500.000. Ante

la tabla de pagos
ción de la deuda

saldo
$50,000,000.00
$48,556,678.80
$47,087,251.41
$45,591,245.63
$44,068,180.73
$42,517,567.26
$39,438,906.94
$37,804,561.10
$36,140,653.90
$34,446,650.63
$32,722,006.94
$30,966,168.62
$27,678,571.43
$25,831,509.55
$23,951,038.79
$22,036,554.85
$20,087,442.54
$18,103,075.49
$14,582,816.04
$12,498,883.60
$10,377,257.87
$8,217,257.05
$6,018,187.04
$3,779,341.18
$0.00