Metodos de Amortizacion Excel
Metodos de Amortizacion Excel
Metodos de Amortizacion Excel
TEM=(1+79.59%)^(1÷12)-1 507.72
TEM=5.00021279%
INTERES
PERIODO DIAS AMORTIZACION CUOTA SIN SEGURO
2.41008600%
0
1 30 S/. 349.71 S/. 115.68 S/. 465.39
2 30 S/. 358.13 S/. 107.26 S/. 465.39
3 30 S/. 366.77 S/. 98.62 S/. 465.39
4 30 S/. 375.60 S/. 89.79 S/. 465.39
5 30 S/. 384.66 S/. 80.73 S/. 465.39
6 30 S/. 393.93 S/. 71.46 S/. 465.39
7 30 S/. 403.42 S/. 61.97 S/. 465.39
8 30 S/. 413.14 S/. 52.25 S/. 465.39
9 30 S/. 423.10 S/. 42.29 S/. 465.39
10 30 S/. 433.30 S/. 32.09 S/. 465.39
11 30 S/. 443.74 S/. 21.65 S/. 465.39
12 30 S/. 454.44 S/. 10.95 S/. 465.39
TOTAL S/. 4,799.94 S/. 784.74 S/. 5,584.68
CUOTA SIN SEGURO-INTERES CAPITAL*INTERES CUOTA SIN SEGURO
ICA FINANCIERA
III-A CONTABILIDAD
E DESGRAVAMEN : 0.0515%
0.7695 0.032071955174519
0.33078652176428
4800 0.096956656527178
465.39195133
CAPITAL : 30000
CUOTA = 2896.454236
TEM = 2.34056908%
ITF : 0.005%
SEGURO DE DESGRAVAMEN : 0.0515%
S/. 2,500.00
S/. 2,000.00
S/. 500.00
S/. -
1 2 3 4 5 6 7 8 9 10 11 12
2º TRABAJO ENCARGADO DE MATEMATICA FINANC
DATOS:
CAPITAL : 30000
CUOTA = 6000/12= 2500
TEM = 2.75%
AMORTIZACION
INTERES
CUOTA SIN
PERIODOS SEGURO 2.75000000%
0
1 S/. 595.36 S/. 165.00 S/. 430.36
2 S/. 595.36 S/. 153.17 S/. 442.19
3 S/. 595.36 S/. 141.00 S/. 454.36
4 S/. 595.36 S/. 128.51 S/. 466.85
5 S/. 595.36 S/. 115.67 S/. 479.69
6 S/. 595.36 S/. 102.48 S/. 492.88
7 S/. 595.36 S/. 88.93 S/. 506.43
8 S/. 595.36 S/. 75.00 S/. 520.36
9 S/. 595.36 S/. 60.69 S/. 534.67
10 S/. 595.36 S/. 45.99 S/. 549.37
11 S/. 595.36 S/. 30.88 S/. 564.48
12 S/. 595.36 S/. 15.35 S/. 580.01
TOTALES S/. 7,144.32 S/. 1,122.66 S/. 6,021.66
CAPITAL/TIEMPO SALDO*INTERES AMORTIZACION+INTERES
GADO DE MATEMATICA FINANCIERA
ITF : 0.005%
SEGURO DE DESGRAVAMEN : 0.0515%
Column C Column D
2º TRABAJO ENCARGADO DE MATEMATICA FI
DATOS:
CAPITAL : 30000
TEM = 2.34056908%
CALISAYA
ITF : 0.005%
SEGURO DE DESGRAVAMEN : 0.0515%
ETODO AMERICANO
S/. 30,000.00
S/. 25,000.00
Column D
S/. 20,000.00 Column C
S/. 15,000.00
S/. 10,000.00
S/. 5,000.00
S/. -
1 2 3 4 5 6 7 8 9 10 11 12
2º TRABAJO ENCARGADO DE MATEMATICA FINANCI
DATOS:
CAPITAL : 30000
TEM = 2.34056908%
FRC 0.09654847454
FASG 54.11429106
1° cuota S/. 2,635.22
PLAN DE CUOTAS CRECIENTES ARITMETICAMENTE O GRA
CALISAYA
GRADIENTA ARITMETICO
ITF : 0.005%
SEGURO DE DESGRAVAMEN : 0.0515%
S/. 3,000.00
S/. 2,500.00
Column D
S/. 2,000.00 Column C
S/. 1,500.00
S/. 1,000.00
S/. 500.00
S/. -
1 2 3 4 5 6 7 8 9 10 11 12
2º TRABAJO ENCARGADO DE MATEMATICA FINANCIERA
DATOS:
CAPITAL : 30000
TEM = 2.34056908%
GRAD. GEOMETRICO 10%
FACTORG 0.05559992873
1° CUOTA S/. 1,667.997862
INTERES
PERIODOS AMORTIZACION 2.34056908%
0
1 S/. 965.83 S/. 702.17
2 S/. 1,155.23 S/. 679.56
3 S/. 1,365.75 S/. 652.53
4 S/. 1,599.55 S/. 620.56
5 S/. 1,858.99 S/. 583.12
6 S/. 2,146.72 S/. 539.61
7 S/. 2,465.60 S/. 489.36
8 S/. 2,818.80 S/. 431.66
9 S/. 3,209.82 S/. 365.68
10 S/. 3,642.50 S/. 290.55
11 S/. 4,121.06 S/. 205.30
12 S/. 4,650.15 S/. 108.84
TOTALES S/. 30,000.00 S/. 5,668.94
CUOTA SIN SEGURO-INTERES SALDO*INTERES
E MATEMATICA FINANCIERA
AMA CALISAYA
ITF : 0.005%
SEGURO DE DESGRAVAMEN : 0.0515%
TOTAL CUOTA
SALDO CAPITAL
S/. 30,000.00
S/. 1,683.53 S/. 29,034.17
S/. 1,849.84 S/. 27,878.94 AMORTIZACION-GRAD. GEOMETRICO
S/. 2,032.74 S/. 26,513.19 S/. 5,000.00
S/. 2,233.87 S/. 24,913.64 S/. 4,500.00
S/. 2,455.07 S/. 23,054.65 S/. 4,000.00
S/. 2,698.33 S/. 20,907.93 S/. 3,500.00
C
S/. 2,965.88 S/. 18,442.34 S/. 3,000.00
C
S/. 3,260.12 S/. 15,623.54 S/. 2,500.00
S/. 2,000.00
S/. 3,583.73 S/. 12,413.71
S/. 1,500.00
S/. 3,939.64 S/. 8,771.21
S/. 1,000.00
S/. 4,331.09 S/. 4,650.15
S/. 500.00
S/. 4,761.63 S/. 0.00
S/. -
S/. 35,795.46 1 2 3 4 5 6 7 8 9 10 11 12
CUOTA+SEGURO+ITF CAPITAL-AMORTIZACION
N-GRAD. GEOMETRICO
Column D
Column C
6 7 8 9 10 11 12
2º TRABAJO ENCARGADO DE MATEMATICA FINAN
DATOS:
CAPITAL : 30000
TEM = 2.34056908%
SUMA DE DIGITOS = 78
INTERES
PERIODOS PROPORCION AMORTIZACION 2.34056908%
0
1 0.0128205128205128 S/. 384.62 S/. 702.17
2 0.0256410256410256 S/. 769.23 S/. 693.17
3 0.0384615384615385 S/. 1,153.85 S/. 675.16
4 0.0512820512820513 S/. 1,538.46 S/. 648.16
5 0.0641025641025641 S/. 1,923.08 S/. 612.15
6 0.0769230769230769 S/. 2,307.69 S/. 567.14
7 0.0897435897435897 S/. 2,692.31 S/. 513.12
8 0.1025641025641030 S/. 3,076.92 S/. 450.11
9 0.1153846153846150 S/. 3,461.54 S/. 378.09
10 0.1282051282051280 S/. 3,846.15 S/. 297.07
11 0.1410256410256410 S/. 4,230.77 S/. 207.05
12 0.1538461538461540 S/. 4,615.38 S/. 108.03
TOTALES S/. 1.00 S/. 30,000.00 S/. 5,851.42
TIEMPO/SUMA DE DIGITOS SALDO*PROPORCION SALDO*INTERES
DO DE MATEMATICA FINANCIERA
AMA CALISAYA
ITF : 0.005%
SEGURO DE DESGRAVAMEN : 0.0515%
CAPITAL-AMORTIZACION
Column E
Column D