Periodo Pago Interes Capital

0 0 0 0
1 15,127,778 7,350,000 7,777,778
2 14,855,556 7,077,778 7,777,778
3 14,583,333 6,805,556 7,777,778
4 14,311,111 6,533,333 7,777,778
5 14,038,889 6,261,111 7,777,778
6 13,766,667 5,988,889 7,777,778
7 13,494,444 5,716,667 7,777,778
8 13,222,222 5,444,444 7,777,778
9 12,950,000 5,172,222 7,777,778
10 12,677,778 4,900,000 7,777,778
11 12,405,556 4,627,778 7,777,778
12 12,133,333 4,355,556 7,777,778
13 11,861,111 4,083,333 7,777,778
14 11,588,889 3,811,111 7,777,778
15 11,316,667 3,538,889 7,777,778
16 11,044,444 3,266,667 7,777,778
17 10,772,222 2,994,444 7,777,778
18 10,500,000 2,722,222 7,777,778
19 10,227,778 2,450,000 7,777,778
20 9,955,556 2,177,778 7,777,778
21 9,683,333 1,905,556 7,777,778
22 9,411,111 1,633,333 7,777,778
23 9,138,889 1,361,111 7,777,778
24 8,866,667 1,088,889 7,777,778
25 8,594,444 816,667 7,777,778
26 8,322,222 544,444 7,777,778
27 8,050,000 272,222 7,777,778

P= 210,000,000
N= 27 BIMESTRES
INTERES= 3.5% 0.035
VK= ? VK= VALOR DE CAPITAL

7,777,777.78
 Saldo
210,000,000
202,222,222
194,444,444
186,666,667
178,888,889
171,111,111 Primera Forma Pago con capital igual
163,333,333
155,555,556
147,777,778 Amortizacion mediante abono constante
140,000,000 a capital
132,222,222
124,444,444
116,666,667
108,888,889
101,111,111 Interes= Saldo/ Interes
93,333,333 Pago= Capital + Interes
85,555,556 Saldo= saldo anterior - capital
77,777,778
70,000,000
62,222,222
54,444,444
46,666,667
38,888,889
31,111,111
23,333,333
15,555,556
7,777,778
0

Una empresa acuerda con el banco caja social un préstamo de $ 150.000.000 para se
bimestrales, con cuotas de capital iguales, el banco le aplica una tasa de interés del 3.
tabla de amortización

VK= VALOR DE CAPITAL Hallar VK=P/N

mo de $ 150.000.000 para ser cancelado en 27 cuotas
ca una tasa de interés del 3.5% bimestral, elaborar la
rtización
Periodo Pago Interes Capital Saldo
0 0 0 0 210,000,000
1 13,249,308.75 3,927,000.00 9,322,309 200,677,691
2 13,249,308.75 3,752,672.83 9,496,636 191,181,055
3 13,249,308.75 3,575,085.73 9,674,223 181,506,832
4 13,249,308.75 3,394,177.76 9,855,131 171,651,701
5 13,249,308.75 3,209,886.81 10,039,422 161,612,279
6 13,249,308.75 3,022,149.62 10,227,159 151,385,120
7 13,249,308.75 2,830,901.75 10,418,407 140,966,713
8 13,249,308.75 2,636,077.54 10,613,231 130,353,482
9 58,249,309 2,437,610 55,811,699 74,541,783
10 13,249,308.75 1,393,931 11,855,377 62,686,406
11 13,249,308.75 1,172,236 12,077,073 50,609,333
12 13,249,308.75 946,395 12,302,914 38,306,419
13 13,249,308.75 716,330 12,532,979 25,773,440
14 13,249,308.75 481,963 12,767,345 13,006,095
15 13,249,308.75 243,214 13,006,095 0

0.75736530756 P= 210,000,000
0.24263469244 N= 15 MESES
12.9751172427 C.E= MES 9 45,000,000
INTERES= 1.87% 0.0187
1.18145383247
38,088,666
Una empresa acuerda con el banco
mensuales, y una cuota extraordinaria
interés del
171,911,334

13,249,308.75
 Amortizacion con pagos iguales y cuotas extras pagtadas

Numero 2 en pdf

empresa acuerda con el banco Davivienda un préstamo de $ 210.000.000 para ser cancelado en 15 cuotas
ales, y una cuota extraordinaria pactada en el mes 9 por valor de 45.000.000, el banco le aplica una tasa de
interés del 1.87% mensual, elaborar la tabla de amortización.
 Periodo Pago Interes Capital
0 0 0 0
1 2,490,875.80 492,000.00 1,998,875.80
2 2,490,875.80 467,413.83 2,023,461.97
3 2,490,875.80 442,525.25 2,048,350.55
4 2,490,875.80 417,330.53 2,073,545.27
5 2,490,875.80 391,825.93 2,099,049.87
6 2,490,875.80 366,007.61 2,124,868.19
7 2,490,875.80 339,871.73 2,151,004.07
8 2,490,875.80 313,414.38 2,177,461.42
9 2,490,875.80 286,631.61 2,204,244.19
10 2,490,875.80 259,519.41 2,231,356.39
11 2,490,875.80 232,073.72 2,258,802.08
12 7,490,875.80 204,290.46 7,286,585.34
13 1,621,302.02 114,665.46 1,506,636.56
14 1,621,302.02 96,133.83 1,525,168.19
15 1,621,302.02 77,374.26 1,543,927.76
16 1,621,302.02 58,383.95 1,562,918.07
17 1,621,302.02 39,160.05 1,582,141.97
18 1,621,302.02 19,699.71 1,601,602.31

P= 40,000,000
N= 18 MENSUAL

ABONO NO PACTADO MES 12 5,000,000

INTERES= 1.23 MENSUAL 0.0123

0.197520888183838
0.0123

0.0622718949529634

2,490,875.80

Una empresa acuerda con el banco popular un préstamo de $ 40.000.000 para ser can
hace un abono no pactado por valor de 5.000.000, el banco le aplica una tasa de inte
amortización.
 Saldo
40,000,000
38,001,124
35,977,662
33,929,312
31,855,766
29,756,717
27,631,848
25,480,844
23,303,383
21,099,139 Amotizacion con pagos iguales y cuota no pactada
18,867,782 pdf 4
16,608,980
9,322,395
7,815,758
6,290,590
4,746,662
3,183,744
1,601,602
0

9,322,394.86

0.0707243039593
0.0123

0.1739147550619

1,621,302.02

réstamo de $ 40.000.000 para ser cancelado en 18 cuotas mensuales, en el mes 12

000, el banco le aplica una tasa de interés del 1.23% mensual, elaborar la tabla de
amortización.
les y cuota no pactada
 Una empresa acuerda con el banco Bogotá un préstamo de $ 350.000.000
le aplica una tasa de interés del 1.87% mensual, elaborar la

Periodo Pago Interes Capital Saldo

0 0 0 0 350,000,000
1 11,110,902.64 6,545,000.00 4,565,902.64 345,434,097
2 11,110,902.64 6,459,617.62 4,651,285.02 340,782,812
3 11,110,902.64 6,372,638.59 4,738,264.05 336,044,548
4 11,110,902.64 6,284,033.05 4,826,869.59 331,217,679
5 11,110,902.64 6,193,770.59 4,917,132.05 326,300,547
6 11,110,902.64 6,101,820.22 5,009,082.42 321,291,464
7 11,110,902.64 6,008,150.38 5,102,752.26 316,188,712
8 11,110,902.64 5,912,728.91 5,198,173.73 310,990,538
9 11,110,902.64 5,815,523.07 5,295,379.57 305,695,159
10 11,110,902.64 5,716,499.47 5,394,403.17 300,300,756
11 11,110,902.64 5,615,624.13 5,495,278.51 294,805,477
12 11,110,902.64 5,512,862.42 5,598,040.22 289,207,437
13 11,110,902.64 5,408,179.07 5,702,723.57 283,504,713
14 11,110,902.64 5,301,538.14 5,809,364.50 277,695,349
15 11,110,902.64 5,192,903.02 5,917,999.62 271,777,349
16 11,110,902.64 5,082,236.43 6,028,666.21 265,748,683
17 11,110,902.64 4,969,500.37 6,141,402.27 259,607,281
18 11,110,902.64 4,854,656.15 6,256,246.49 253,351,034
19 11,110,902.64 4,737,664.34 6,373,238.30 246,977,796
20 11,110,902.64 4,618,484.78 6,492,417.86 240,485,378
21 11,110,902.64 4,497,076.57 6,613,826.07 233,871,552
22 11,110,902.64 4,373,398.02 6,737,504.62 227,134,047
23 11,110,902.64 4,247,406.68 6,863,495.96 220,270,551
24 11,110,902.64 4,119,059.31 6,991,843.33 213,278,708
25 11,110,902.64 3,988,311.84 7,122,590.80 206,156,117
26 11,110,902.64 3,855,119.39 7,255,783.25 198,900,334
27 11,110,902.64 3,719,436.24 7,391,466.40 191,508,868
28 11,110,902.64 3,581,215.82 7,529,686.82 183,979,181
29 11,110,902.64 3,440,410.68 7,670,491.96 176,308,689
30 11,110,902.64 3,296,972.48 7,813,930.16 168,494,759
31 11,110,902.64 3,150,851.99 7,960,050.65 160,534,708
32 11,110,902.64 3,001,999.04 8,108,903.60 152,425,804
33 11,110,902.64 2,850,362.54 8,260,540.10 144,165,264
34 11,110,902.64 2,695,890.44 8,415,012.20 135,750,252
35 11,110,902.64 2,538,529.71 8,572,372.93 127,177,879
36 11,110,902.64 2,378,226.34 8,732,676.30 118,445,203
37 11,110,902.64 2,214,925.29 8,895,977.35 109,549,225
38 11,110,902.64 2,048,570.52 9,062,332.12 100,486,893
39 11,110,902.64 1,879,104.91 9,231,797.73 91,255,096
40 11,110,902.64 1,706,470.29 9,404,432.35 81,850,663
41 11,110,902.64 1,530,607.40 9,580,295.24 72,270,368
42 11,110,902.64 1,351,455.88 9,759,446.76 62,510,921
43 11,110,902.64 1,168,954.23 9,941,948.41 52,568,973
44 11,110,902.64 983,039.79 10,127,862.85 42,441,110
45 11,110,902.64 793,648.76 10,317,253.88 32,123,856
46 11,110,902.64 600,716.11 10,510,186.53 21,613,670
47 11,110,902.64 404,175.62 10,706,727.02 10,906,943
48 11,110,902.64 203,959.83 10,906,942.81 0
réstamo de $ 350.000.000 para ser cancelado en 48 cuotas mensuales, el banco
87% mensual, elaborar la tabla de amortización con pagos iguales

VP= 350,000,000
N= 48 MENSUALES
INTERES= 1.87% 0.0187
A= ? Amortizacion con pagos uniformes

0.58906105
0.0187

0.03174544 11,110,902.64
on pagos uniformes
Una empresa acuerda con el banco popular un préstamo
de $ 90.000.000 para ser cancelado en 60 cuotas
mensuales, adicionalmente se pacta un periodo de gracia
de 9 meses, el banco le aplica una tasa de interés del
1.23% mensual, elaborar la tabla de amortización.

P= 90.000.000

n= 60 cuotas mensuales

periodo de gracia= 9 meses

i= 1,23% mensual

A=VP= 100.467.5118(0,013)
1-(1+0,0123)ELEVADO -60
A=2.377.476,94

con pagos iguales

 Amortizacion con periodos de gracia

TABLA DE AMORTICACIÓN CON PERIODOS DE GRACIA

PERIODO PAGO INTERES CAPITAL SALDO
0 * $ - $ 90,000,000
1 $ 1,107,000 $ 91,107,000
2 $ 1,120,616 $ 92,227,616
3 $ 1,134,400 $ 93,362,016
4 $ 1,148,353 $ 94,510,369
5 $ 1,162,478 $ 95,672,846
6 $ 1,176,776 $ 96,849,622
7 $ 1,191,250 $ 98,040,872
8 $ 1,205,903 $ 99,246,775
9 $ 1,220,735 $ 100,467,511
10 2,377,476.94 $ 1,235,750 $ 1,141,727 $ 99,325,784
11 2,377,476.94 $ 1,221,707 $ 1,155,770 $ 98,170,014
12 2,377,476.94 $ 1,207,491 $ 1,169,986 $ 97,000,028
13 2,377,476.94 $ 1,193,100 $ 1,184,377 $ 95,815,652
14 2,377,477.94 $ 1,178,533 $ 1,198,945 $ 94,616,706
15 2,377,478.94 $ 1,163,785 $ 1,213,693 $ 93,403,013
16 2,377,479.94 $ 1,148,857 $ 1,228,623 $ 92,174,390
17 2,377,480.94 $ 1,133,745 $ 1,243,736 $ 90,930,654
18 2,377,481.94 $ 1,118,447 $ 1,259,035 $ 89,671,619
19 2,377,482.94 $ 1,102,961 $ 1,274,522 $ 88,397,097
20 2,377,483.94 $ 1,087,284 $ 1,290,200 $ 87,106,898
21 2,377,484.94 $ 1,071,415 $ 1,306,070 $ 85,800,827
22 2,377,485.94 $ 1,055,350 $ 1,322,136 $ 84,478,692
23 2,377,486.94 $ 1,039,088 $ 1,338,399 $ 83,140,293
24 2,377,487.94 $ 1,022,626 $ 1,354,862 $ 81,785,430
25 2,377,488.94 $ 1,005,961 $ 1,371,528 $ 80,413,902
26 2,377,489.94 $ 989,091 $ 1,388,399 $ 79,025,503
27 2,377,490.94 $ 972,014 $ 1,405,477 $ 77,620,026
28 2,377,491.94 $ 954,726 $ 1,422,766 $ 76,197,260
29 2,377,492.94 $ 937,226 $ 1,440,267 $ 74,756,994
30 2,377,493.94 $ 919,511 $ 1,457,983 $ 73,299,011
31 2,377,494.94 $ 901,578 $ 1,475,917 $ 71,823,094
32 2,377,495.94 $ 883,424 $ 1,494,072 $ 70,329,022
33 2,377,496.94 $ 865,047 $ 1,512,450 $ 68,816,572
34 2,377,497.94 $ 846,444 $ 1,531,054 $ 67,285,518
35 2,377,498.94 $ 827,612 $ 1,549,887 $ 65,735,631
36 2,377,499.94 $ 808,548 $ 1,568,952 $ 64,166,679
37 2,377,500.94 $ 789,250 $ 1,588,251 $ 62,578,428
38 2,377,501.94 $ 769,715 $ 1,607,787 $ 60,970,641
39 2,377,502.94 $ 749,939 $ 1,627,564 $ 59,343,077
40 2,377,503.94 $ 729,920 $ 1,647,584 $ 57,695,493
41 2,377,504.94 $ 709,655 $ 1,667,850 $ 56,027,642
42 2,377,505.94 $ 689,140 $ 1,688,366 $ 54,339,276
43 2,377,506.94 $ 668,373 $ 1,709,134 $ 52,630,143
44 2,377,507.94 $ 647,351 $ 1,730,157 $ 50,899,985
45 2,377,508.94 $ 626,070 $ 1,751,439 $ 49,148,546
46 2,377,509.94 $ 604,527 $ 1,772,983 $ 47,375,563
47 2,377,510.94 $ 582,719 $ 1,794,792 $ 45,580,772
48 2,377,511.94 $ 560,643 $ 1,816,868 $ 43,763,904
49 2,377,512.94 $ 538,296 $ 1,839,217 $ 41,924,687
50 2,377,513.94 $ 515,674 $ 1,861,840 $ 40,062,846
51 2,377,514.94 $ 492,773 $ 1,884,742 $ 38,178,104
52 2,377,515.94 $ 469,591 $ 1,907,925 $ 36,270,179
53 2,377,516.94 $ 446,123 $ 1,931,394 $ 34,338,785
54 2,377,517.94 $ 422,367 $ 1,955,151 $ 32,383,635
55 2,377,518.94 $ 398,319 $ 1,979,200 $ 30,404,434
56 2,377,519.94 $ 373,975 $ 2,003,545 $ 28,400,889
57 2,377,520.94 $ 349,331 $ 2,028,190 $ 26,372,699
58 2,377,521.94 $ 324,384 $ 2,053,138 $ 24,319,561
59 2,377,522.94 $ 299,131 $ 2,078,392 $ 22,241,169
60 2,377,523.94 $ 273,566 $ 2,103,958 $ 20,137,211
61 2,377,524.94 $ 247,688 $ 2,129,837 $ 18,007,374
62 2,377,525.94 $ 221,491 $ 2,156,035 $ 15,851,339
63 2,377,526.94 $ 194,971 $ 2,182,555 $ 13,668,783
64 2,377,527.94 $ 168,126 $ 2,209,402 $ 11,459,381
65 2,377,528.94 $ 140,950 $ 2,236,579 $ 9,222,803
66 2,377,529.94 $ 113,440 $ 2,264,089 $ 6,958,713
67 2,377,530.94 $ 85,592 $ 2,291,939 $ 4,666,775
68 2,377,531.94 $ 57,401 $ 2,320,131 $ 2,346,644
69 2,377,532.94 $ 28,864 $ 2,348,669 -$ 2,025