Amortización para un préstamo
Enviado por Grismely Perez • 3 de Abril de 2019 • Tareas • 1.052 Palabras (5 Páginas) • 70 Visitas
Ejercicio: Elaborar un plan de amortización para un préstamo con las siguientes informaciones:
Datos
P = 50,000.00
TEA = 15%
im = 1.25% = 0.000125
n = 1
R = ?
Cuotas constantes o fijas
R = 50,000 x0.000125 x (1 + 0.000125)12[pic 1]
(1 + 0.000125)12 - 1
R = 50,000 x0.000125 x (1.000125)12
(1.000125)12 - 1
R = 50,000 x0.000125 x 1.00150103
1.00150103 - 1
R = 50,000 x0.000125188
0.00150103
R = 50,000 x0.08340115
R = 4,170.06
Periodo | Amortización | Interés | Cuota | Saldo |
0 | 50,000.00 | |||
1 | 3,545.06 | 625 | 4,170.06 | 45,829.94 |
2 | 3,597.19 | 572.87 | 4,170.06 | 41,659.88 |
3 | 3,649.31 | 520.75 | 4,170.06 | 37,489.82 |
4 | 3,701.44 | 468.62 | 4,170.06 | 33,319.76 |
5 | 3,753.56 | 416.50 | 4,170.06 | 29,149.70 |
6 | 3,805.69 | 364.37 | 4,170.06 | 24,979.64 |
7 | 3,857.81 | 312.25 | 4,170.06 | 20,809.58 |
8 | 3,909.94 | 260.12 | 4,170.06 | 16,639.52 |
9 | 3,962.07 | 207.99 | 4,170.06 | 12,469.46 |
10 | 4,014.19 | 155.87 | 4,170.06 | 8,299.40 |
11 | 4,066.32 | 103.74 | 4,170.06 | 4,129.34 |
12 | 4,118.44 | 51.62 | 4,170.06 | - |
Total | 45,981.02 | 4,059.70 | 50,040.72 |
Préstamo flat odirectoo saldo soluto
R = 50,000 x (50,000 x 0,000125 x 12)[pic 2]
12
R =50,075
12
R = 4,172.92
Periodo | Amortización | Interés | Cuota | Saldo |
0 |
|
|
| 50,000.00 |
1 | 3,547.92 | 625.00 | 4,172.92 | 45,827.08 |
2 | 3,547.92 | 625.00 | 4,172.92 | 41,654.16 |
3 | 3,547.92 | 625.00 | 4,172.92 | 37,481.24 |
4 | 3,547.92 | 625.00 | 4,172.92 | 33,308.32 |
5 | 3,547.92 | 625.00 | 4,172.92 | 29,135.40 |
6 | 3,547.92 | 625.00 | 4,172.92 | 24,962.48 |
7 | 3,547.92 | 625.00 | 4,172.92 | 20,789.56 |
8 | 3,547.92 | 625.00 | 4,172.92 | 16,616.64 |
9 | 3,547.92 | 625.00 | 4,172.92 | 12,443.72 |
10 | 3,547.92 | 625.00 | 4,172.92 | 8,270.80 |
11 | 3,547.92 | 625.00 | 4,172.92 | 4,097.88 |
12 | 3,547.92 | 625.00 | 4,172.92 | - |
Total | 42,575.04 | 7.500,00 | 50,075.04 |
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