Amortizacion de Un Prestamo

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A. Como los pagos son mensuales y constantes, pueden ser calculados con la fó P= 15,000.00 TEM= 1.40% n= 8 A= 1,995.04 MESES 0 1 2 3 Saldo Deuda 15,000.00 13,214.96 11,404.93 9,569.56 Amortizaciones 1,785.04 1,810.03 1,835.37 Interes 210.00 185.01 159.67 Pago 1,995.04 1,995.04 1,995.04 Amort. Const= 1,875.00 MESES 0 1 2 3 Saldo Deuda 15,000.00 13,125.00 11,250.00 9,375.00 Amortizaciones 1,875.00 1,875.00 1,875.00 Interes 210.00 183.75 157.50 Pago 2,085.00 2,058.75 2,032.50 B. Se calculan las amortizaciones constantes dividiendo el monto del préstamo

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Amortizacion de Un Prestamo

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Amortizacion Cuotas UnifomesA. Como los pagos son mensuales y constantes, pueden ser calculados con la frmula de anualidades:P=15,000.00TEM=1.40%n=8A=1,995.04

MESES012345678Saldo Deuda15,000.0013,214.9611,404.939,569.567,708.495,821.373,907.831,967.500.00Amortizaciones1,785.041,810.031,835.371,861.071,887.121,913.541,940.331,967.50Interes210.00185.01159.67133.97107.9281.5054.7127.54Pago1,995.041,995.041,995.041,995.041,995.041,995.041,995.041,995.0415,960.32B. Se calculan las amortizaciones constantes dividiendo el monto del prstamo en 8 pasos constantes.

Amort. Const=1,875.00

MESES012345678Saldo Deuda15,000.0013,125.0011,250.009,375.007,500.005,625.003,750.001,875.000.0Amortizaciones1,875.001,875.001,875.001,875.001,875.001,875.001,875.001,875.00Interes210.00183.75157.50131.25105.0078.7552.5026.25Pago2,085.002,058.752,032.502,006.251,980.001,953.751,927.501,901.2515,945.00

Hoja1Cuesta=24,000.00P=300,000.002)P=14,400.003)n=4trimestresi=36%P=1,000,000.00i=10%trmestraln=362.60%n=4A=94641.2411118294TEP=10%A=620.3748058804MESES01234Amort=250,000.00Saldo Deuda300,000.00235,358.76164,253.3986,037.490.0MESES0123456789101112131415161718192021222324252627282930313233343536Amortizaciones64,641.2471,105.3778,215.9086,037.49Saldo Deuda14,400.0014,153.3713,900.3513,640.7513,374.4213,101.1812,820.8412,533.2312,238.1611,935.4211,624.8311,306.1710,979.2510,643.8410,299.729,946.679,584.469,212.858,831.608,440.448,039.147,627.427,205.016,771.646,327.025,870.875,402.874,922.724,430.123,924.733,406.222,874.252,328.481,768.541,194.06604.680.00MESES0123456Interes30,000.0023,535.8816,425.348,603.75Amortizaciones246.63253.03259.59266.33273.24280.34287.61295.08302.74310.59318.65326.92335.41344.12353.05362.21371.61381.26391.15401.30411.72422.41433.37444.62456.16468.00480.14492.61505.39518.51531.97545.77559.94574.47589.38604.68Saldo Deuda1,000,000.001,000,000.001,000,000.00750,000.00500,000.00250,000.000.0Pago94641.241111829494641.241111829494641.241111829494641.2411118294Interes373.75367.35360.78354.04347.13340.04332.76325.30317.64309.78301.72293.45284.96276.26267.33258.16248.76239.12229.22219.07208.65197.97187.00175.76164.22152.38140.23127.77114.98101.8788.4174.6060.4445.9030.9915.69Amortizaciones0.00.0250,000.00250,000.00250,000.00250,000.00Pago620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804620.3748058804Interes100,000.00100,000.00100,000.0075,000.0050,000.0025,000.001240.74961176071240.74961176071240.74961176071240.74961176071240.74961176071240.7496117607Pago100,000.00100,000.00350,000.00325,000.00300,000.00275,000.00(1+I)^(-7)0.84Amortiza50000(1+I)^(-12)0.74n2=3(1+I)^(-19)0.61P1=37,565.74(1+I)^(-24)0.54(1+I)^(-31)0.45Nuevo Prest=262,434.26(1+I)^(-36)0.40MESES0123456new Pago/anualid=82790.346907994X=3.58Y=23.21Saldo Deuda1,000,000.001,210,000.00907,500.00605,000.00302,500.000.0Amortizaciones302,500.00302,500.00302,500.00302,500.00MESES01234A=P/(Y+X)Interes121,000.0090,750.0060,500.0030,250.00Saldo Deuda300,000.00247,209.65189,140.2775,263.950.0A=537.56Pago423,500.00393,250.00363,000.00332,750.00Amortizaciones52,790.3558,069.38113,876.3275,263.95Interes30,000.0024,720.9718,914.037,526.40MESES0123456789101112131415161718192021222324252627282930313233343536Pago82790.34690799482790.346907994132790.34690799482790.346907994Saldo Deuda14,400.0014,236.1914,068.1213,895.6913,718.7913,537.2913,351.0912,622.4812,412.5312,197.1411,976.1511,749.4210,979.2510,726.6510,467.4910,201.619,928.839,648.969,361.848,529.698,213.527,889.137,556.337,214.896,327.025,953.685,570.645,177.664,774.484,360.843,936.462,963.502,502.852,030.251,545.381,047.930.00Amort=302,500.00Amortizaciones163.81168.07172.43176.90181.50186.21728.60209.95215.40220.99226.73770.17252.60259.16265.88272.78279.86287.13832.14316.18324.38332.80341.44887.87373.35383.04392.98403.18413.64424.38972.96460.65472.60484.87497.451,047.93Interes373.75369.50365.14360.66356.07351.36346.53327.61322.17316.57310.84304.95284.96278.41271.68264.78257.70250.44242.98221.39213.18204.76196.12187.26164.22154.53144.59134.39123.92113.18102.1776.9264.9652.6940.1127.20Pago537.56537.56537.56537.56537.56537.561,075.13537.56537.56537.56537.561,075.13537.56537.56537.56537.56537.56537.561,075.13537.56537.56537.56537.561,075.13537.56537.56537.56537.56537.56537.561,075.13537.56537.56537.56537.561,075.13MESES0123456Saldo Deuda1,000,000.001,210,000.00949,280.33662,488.69347,017.880.0Amortizaciones260,719.67286,791.64315,470.80347,017.88Interes121,000.0094,928.0366,248.8734,701.79Pago381,719.67381,719.67381,719.67381,719.67A=381719.672484378

MESES0123456Saldo Deuda1,000,000.001,000,000.001,000,000.00784,529.20547,511.31286,791.640.0Amortizaciones0.00.0215,470.80237,017.88260,719.67286,791.64Interes100,000.00100,000.00100,000.0078,452.9254,751.1328,679.16Pago100,000.00100,000.00315,470.80315,470.80315,470.80315,470.80A=315470.803706098

Amortizacion Cuotas PactadaEj. Se va cancelar una deuda de S/.200,000 en 4 pagos trimestrales con una tasa de inters del 32% anual CT (capitalizable trimestralmente) , la cuotaordinaria resulta de:P=200,000.00TN(CT)=32%TET=8%n(trimestres)=4pago/anualidad=60384.1608908079

MESES01234Saldo Deuda200,000.00155,615.84107,680.9555,911.260.0Amortizaciones44,384.1647,934.8951,769.6955,911.26Interes16,000.0012,449.278,614.484,472.90Pago60384.160890807960384.160890807960384.160890807960384.1608908079Pero si se hace un pago adicional de S/. 50,000 al final del mes 9, la cuota ordinaria debe bajar porque al plantear la ecuacin de valor se debe incluirun pago ms y en este caso se dice que esa cuota extra es pactada, quedando as:Amort. Extra=50,000.00n2=3P1=39,691.61Nuevo Prest=160,308.39new Pago/anualid=48400.4374502897

MESES01234Saldo Deuda200,000.00167,599.56132,607.0944,815.220.0Amortizaciones32,400.4434,992.4787,791.8744,815.22Interes16,000.0013,407.9710,608.573,585.22Pago48400.437450289748400.437450289798400.437450289848400.4374502897

Amortizacion Cuota No PactadaUna deuda de S/. 600,000 se va a cancelar en 7 pagos trimestrales con un inters del 9% efectivo trimestral. Si al momento de efectuar el pago N3 se efecta un abono extraordinario no pactado, de S/. 250,000 se pide: a) elaborar una tabla suponiendo que la cuota extra se abona al saldo de deuday no se redefine el n de cuotas y b) elaborar la tabla si se quiere mantener el n de cuotas del inicio.a) Calculamos la cuota o anualidad en una situacin normal.

P=600,000.00TN(CT)=9%

n(trimestres)=7pago/anualidad=119214.310100156

MESES01234567Saldo Deuda600,000.00534,785.69463,702.09386,220.97301,766.55209,711.23109,370.930.00Amortizaciones65,214.3171,083.6077,481.1284,454.4292,055.32100,340.30109,370.93Interes54,000.0048,130.7141,733.1934,759.8927,158.9918,874.019,843.38Pago119214.310100156119214.310100156119214.310100156119214.310100156119214.310100156119214.310100156119214.310100156b) Ahora, si a la tercera cuota o pago, el deudor hace un abono extraordinario de S/. 250,000 a su cuota ordinaria peridica, se tendrala siguiente tabla:Amort. Extra=250,000.00n2=3

MESES012345Saldo Deuda600,000.00534,785.69463,702.09136,220.9729,266.55Amortizaciones65214.310100155871,083.60327,481.12106,954.4229,266.55Interes54,000.0048,130.7141,733.1912,259.892,633.99Pago119214.310100156119214.310100156369214.310100156119214.31010015631,900.54c) Para el caso que queramos conservar el n de pagos:

Amort. Extra=250,000.00n2=3

MESES01234567Saldo Deuda600,000.00534,785.69463,702.09136,220.97106,433.7173,965.6038,575.360.0Amortizaciones65,214.3171,083.60327,481.1229,787.2632,468.1135,390.2438,575.36Interes54,000.0048,130.7141,733.1912,259.899,579.036,656.903,471.78Pago119214.310100156119214.310100156369214.31010015642047.144577381442047.144577381442047.144577381442047.1445773814P1=136,220.97n3=4A(pago/anualid)=42047.1445773814

ProyectoNOMBRE: KRISTHIAN CARDENAS MOSCOSO5.1. Elabore el cuadro de flujo de deuda para el proyecto grupal, suponiendo que del total de la inversin requerida, se financia con prstamo el 30% a un inters anual capitalizable trimestralmente de 9% a 5 aos.Inversion=10,000.00P=3,000.00TN(CT)=9%TET=2.25%n(anual)=5A=771.2773708702

MESES012345Saldo Deuda3,000.002,498.721,952.331,356.76707.590.0Amortizaciones501.28546.39595.57649.17707.59Interes270.00224.89175.71122.1163.68Pago771.2773708702771.2773708702771.2773708702771.2773708702771.27737087025.2. Elabore un nuevo cuadro de flujo de deuda para el proyecto grupal, del anterior ejercicio, suponiendo que al 3 ao se abona a la deuda el 50% del total de la deuda financiada (para los dos casos de redefinir o no el n de cuotas).a) Amortizacin con cuotas pactadasAmort. Extra=1,500.00n2=3P1=1,158.28Nuevo Prest=1,841.72new Pago/anualid=473.4935487048

MESES012345Saldo Deuda3,000.002,796.512,574.70832.93434.400.0Amortizaciones203.49221.811,741.77398.53434.40Interes270.00251.69231.7274.9639.10Pago473.4935487048473.49354870481973.4935487048473.4935487048473.4935487048b) Amortizacin con cuotas no pactadas

MESES012345Saldo Deuda3,000.002,796.512,574.70832.93434.400.0Amortizaciones203.49221.811,741.77398.53434.40Interes270.00251.69231.7274.9639.10Pago473.4935487048473.49354870481973.4935487048473.4935487048473.4935487048P1=832.93n1=2A(pago/anualid)=473.4935487048