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Deber Ingeniería financiera

#1 “Pelileo Jeans”

Préstamo###

Tasa de interés efectiva20%

Tasa de interes mensual1.53%Plazo de Pago5 años

Tabla de amortización Plan # 1n saldo inicial Interés del periodo Pago principal Valor cuota Saldo Final

(amortización)año de gracia1 $100,000.00 $20,000.00 0 0 $120,000.00

2 $120,000.00 $24,000.00 $-22,354.69 $-46,354.69 $97,645.313 $97,645.31 $19,529.06 $-26,825.63 $-46,354.69 $70,819.674 $70,819.67 $14,163.93 $-32,190.76 $-46,354.69 $38,628.915 $38,628.91 $7,725.78 $-38,628.91 $-46,354.69 $0.00

b) Plan 2: Páguese al final de cada año $20000 del principal más intereses.Tabla de amortización Plan # 2

n saldo inicial Interés del periodo Pago principal Valor cuota Saldo Final(amortización)

1 $100,000.00 $20,000.00 $-20,000.00 $-40,000.00 $80,000.002 $80,000.00 $16,000.00 $-20,000.00 $-36,000.00 $60,000.003 $60,000.00 $12,000.00 $-20,000.00 $-32,000.00 $40,000.004 $40,000.00 $8,000.00 $-20,000.00 $-28,000.00 $20,000.005 $20,000.00 $4,000.00 $-20,000.00 $-24,000.00 $0.00

c) Plan 3: Páguese al final de cada año solamente los intereses y en el último año el capitalTabla de amortización Plan # 3


1 $100,000.00 $20,000.00 $0.00 $-20,000.00 $100,000.002 $100,000.00 $20,000.00 $0.00 $-20,000.00 $100,000.003 $100,000.00 $20,000.00 $0.00 $-20,000.00 $100,000.004 $100,000.00 $20,000.00 $0.00 $-20,000.00 $100,000.005 $100,000.00 $20,000.00 $-100,000.00 $-120,000.00 $0.00

d) Plan 4: Páguese al final de cada año cuotas fijas iguales.Tabla de amortización Plan # 4


1 $100,000.00 $20,000.00 $-13,437.97 $-33,437.97 $86,562.032 $86,562.03 $17,312.41 $-16,125.56 $-33,437.97 $70,436.473 $70,436.47 $14,087.29 $-19,350.68 $-33,437.97 $51,085.794 $51,085.79 $10,217.16 $-23,220.81 $-33,437.97 $27,864.985 $27,864.98 $5,573.00 $-27,864.98 $-33,437.97 $0.00

a) Plan 1: Concédase el primer año en gracia y los cuatro años siguientes páguesecuotas iguales.

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e) Plan 5: Páguese con 60 mensualidades.Tabla de amortización Plan # 5

n saldo inicial Interés del periodo Pago principal Valor cuota Saldo Finalmeses (amortización)

1 $5,000.00 $76.55 $-51.43 $-127.98 $4,948.572 $4,948.57 $75.76 $-52.22 $-127.98 $4,896.353 $4,896.35 $74.96 $-53.02 $-127.98 $4,843.334 $4,843.33 $74.15 $-53.83 $-127.98 $4,789.505 $4,789.50 $73.32 $-54.65 $-127.98 $4,734.846 $4,734.84 $72.49 $-55.49 $-127.98 $4,679.357 $4,679.35 $71.64 $-56.34 $-127.98 $4,623.018 $4,623.01 $70.78 $-57.20 $-127.98 $4,565.819 $4,565.81 $69.90 $-58.08 $-127.98 $4,507.73

10 $4,507.73 $69.01 $-58.97 $-127.98 $4,448.7611 $4,448.76 $68.11 $-59.87 $-127.98 $4,388.8912 $4,388.89 $67.19 $-60.79 $-127.98 $4,328.1013 $4,328.10 $66.26 $-61.72 $-127.98 $4,266.3814 $4,266.38 $65.32 $-62.66 $-127.98 $4,203.7215 $4,203.72 $64.36 $-63.62 $-127.98 $4,140.1016 $4,140.10 $63.38 $-64.60 $-127.98 $4,075.5017 $4,075.50 $62.39 $-65.59 $-127.98 $4,009.9118 $4,009.91 $61.39 $-66.59 $-127.98 $3,943.3219 $3,943.32 $60.37 $-67.61 $-127.98 $3,875.7220 $3,875.72 $59.34 $-68.64 $-127.98 $3,807.0721 $3,807.07 $58.28 $-69.70 $-127.98 $3,737.3822 $3,737.38 $57.22 $-70.76 $-127.98 $3,666.6123 $3,666.61 $56.13 $-71.85 $-127.98 $3,594.7724 $3,594.77 $55.03 $-72.95 $-127.98 $3,521.8225 $3,521.82 $53.92 $-74.06 $-127.98 $3,447.7626 $3,447.76 $52.78 $-75.20 $-127.98 $3,372.5727 $3,372.57 $51.63 $-76.35 $-127.98 $3,296.2228 $3,296.22 $50.46 $-77.52 $-127.98 $3,218.7029 $3,218.70 $49.28 $-78.70 $-127.98 $3,140.0030 $3,140.00 $48.07 $-79.91 $-127.98 $3,060.0931 $3,060.09 $46.85 $-81.13 $-127.98 $2,978.9632 $2,978.96 $45.61 $-82.37 $-127.98 $2,896.5933 $2,896.59 $44.35 $-83.63 $-127.98 $2,812.9534 $2,812.95 $43.06 $-84.91 $-127.98 $2,728.0435 $2,728.04 $41.76 $-86.21 $-127.98 $2,641.8236 $2,641.82 $40.44 $-87.53 $-127.98 $2,554.2937 $2,554.29 $39.10 $-88.87 $-127.98 $2,465.4138 $2,465.41 $37.74 $-90.24 $-127.98 $2,375.1839 $2,375.18 $36.36 $-91.62 $-127.98 $2,283.5640 $2,283.56 $34.96 $-93.02 $-127.98 $2,190.5441 $2,190.54 $33.54 $-94.44 $-127.98 $2,096.1042 $2,096.10 $32.09 $-95.89 $-127.98 $2,000.2143 $2,000.21 $30.62 $-97.36 $-127.98 $1,902.8544 $1,902.85 $29.13 $-98.85 $-127.98 $1,804.0145 $1,804.01 $27.62 $-100.36 $-127.98 $1,703.6546 $1,703.65 $26.08 $-101.90 $-127.98 $1,601.7547 $1,601.75 $24.52 $-103.46 $-127.98 $1,498.2948 $1,498.29 $22.94 $-105.04 $-127.98 $1,393.25

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49 $1,393.25 $21.33 $-106.65 $-127.98 $1,286.6050 $1,286.60 $19.70 $-108.28 $-127.98 $1,178.3251 $1,178.32 $18.04 $-109.94 $-127.98 $1,068.3852 $1,068.38 $16.36 $-111.62 $-127.98 $956.7553 $956.75 $14.65 $-113.33 $-127.98 $843.4254 $843.42 $12.91 $-115.07 $-127.98 $728.3555 $728.35 $11.15 $-116.83 $-127.98 $611.5356 $611.53 $9.36 $-118.62 $-127.98 $492.9157 $492.91 $7.55 $-120.43 $-127.98 $372.4858 $372.48 $5.70 $-122.28 $-127.98 $250.2059 $250.20 $3.83 $-124.15 $-127.98 $126.0560 $126.05 $1.93 $-126.05 $-127.98 $-0.00

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Tabla de amortización semestralesn saldo inicial Interés del periodo Pago principal Valor cuota Saldo Final

(amortización)1 $5,000.00 $477.23 $-320.65 $-797.87 $4,679.352 $4,679.35 $446.62 $-351.25 $-797.87 $4,328.103 $4,328.10 $413.10 $-384.78 $-797.87 $3,943.324 $3,943.32 $376.37 $-421.50 $-797.87 $3,521.825 $3,521.82 $336.14 $-461.73 $-797.87 $3,060.096 $3,060.09 $292.07 $-505.80 $-797.87 $2,554.297 $2,554.29 $243.79 $-554.08 $-797.87 $2,000.218 $2,000.21 $190.91 $-606.96 $-797.87 $1,393.259 $1,393.25 $132.98 $-664.89 $-797.87 $728.35

10 $728.35 $69.52 $-728.35 $-797.87 $-0.00

Tabla de amortización trimestralesn saldo inicial Interés del periodo Pago principal Valor cuota Saldo Final

(amortización)1 $5,000.00 $233.18 $-156.67 $-389.85 $4,843.332 $4,843.33 $225.87 $-163.98 $-389.85 $4,679.353 $4,679.35 $218.22 $-171.62 $-389.85 $4,507.734 $4,507.73 $210.22 $-179.63 $-389.85 $4,328.105 $4,328.10 $201.84 $-188.00 $-389.85 $4,140.106 $4,140.10 $193.07 $-196.77 $-389.85 $3,943.327 $3,943.32 $183.90 $-205.95 $-389.85 $3,737.388 $3,737.38 $174.29 $-215.55 $-389.85 $3,521.829 $3,521.82 $164.24 $-225.61 $-389.85 $3,296.22

10 $3,296.22 $153.72 $-236.13 $-389.85 $3,060.0911 $3,060.09 $142.71 $-247.14 $-389.85 $2,812.9512 $2,812.95 $131.18 $-258.66 $-389.85 $2,554.2913 $2,554.29 $119.12 $-270.73 $-389.85 $2,283.5614 $2,283.56 $106.49 $-283.35 $-389.85 $2,000.2115 $2,000.21 $93.28 $-296.57 $-389.85 $1,703.6516 $1,703.65 $79.45 $-310.40 $-389.85 $1,393.2517 $1,393.25 $64.97 $-324.87 $-389.85 $1,068.3818 $1,068.38 $49.82 $-340.02 $-389.85 $728.3519 $728.35 $33.97 $-355.88 $-389.85 $372.4820 $372.48 $17.37 $-372.48 $-389.85 $0.00

tasade int1 semestrales 2 0.0954451152 trimestrales 4 0.04663513943 mensuales 12 0.0153094705

periodos semestrales1

Tasa numper(Xn)0.095445115 2

Periodos trimestrales2

Tasa numper(Xn)0.0466351394 4

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cuota1 $1,020.00 $47.57 $-237.84 $-285.41 $782.16

2Tasa numper(Xn)

0.0466351394 4


1 $10,000.00 $1,000.00 $0.00 $0.00 $11,000.002 $11,000.00 $1,100.00 $-1,000.00 $-2,100.00 $10,000.003 $10,000.00 $1,000.00 $-2,000.00 $-3,000.00 $8,000.004 $8,000.00 $800.00 $-3,000.00 $-3,800.00 $5,000.005 $5,000.00 $500.00 $-4,000.00 $-4,500.00 $1,000.00

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