Una empresa obtiene un prestamo hipotecario a 25 años con una institución bancaria

el 1 de enero de 2010, por 35,000,000. Con vencimientos semestrales, la tasa será del 7% anual.

Calcule la corrida financiera por este préstamo hipotecario (utilice la herramienta de Excel).

CREDITO HIPOTECARIO.
Importe del préstamo $ 35,000,000.00
Tasa de interés anual 7%
Periodo del préstamo en años 25.00
Fecha de inicio del préstamo 1/1/2010

Pago mensual $ 247,372.72

Número de pagos 300.00
Importe total de los intereses -$ 35,000,000.00
Coste total del préstamo $ 74,211,815.71

Pago Inicio
N. º Fecha Saldo Pago Principal Interés
7.00 8/1/2010 $ 34,736,953.62 $ 247,372.72 $ 44,740.49 $ 202,632.23
8.00 9/1/2010 $ 34,692,213.13 $ 247,372.72 $ 45,001.48 $ 202,371.24
9.00 10/1/2010 $ 34,647,211.66 $ 247,372.72 $ 45,263.98 $ 202,108.73
10.00 11/1/2010 $ 34,601,947.67 $ 247,372.72 $ 45,528.02 $ 201,844.69
11.00 12/1/2010 $ 34,556,419.65 $ 247,372.72 $ 45,793.60 $ 201,579.11
12.00 1/1/2011 $ 34,510,626.04 $ 247,372.72 $ 46,060.73 $ 201,311.99
13.00 2/1/2011 $ 34,464,565.31 $ 247,372.72 $ 46,329.42 $ 201,043.30
14.00 3/1/2011 $ 34,418,235.89 $ 247,372.72 $ 46,599.68 $ 200,773.04
15.00 4/1/2011 $ 34,371,636.21 $ 247,372.72 $ 46,871.51 $ 200,501.21
16.00 5/1/2011 $ 34,324,764.71 $ 247,372.72 $ 47,144.92 $ 200,227.79
17.00 6/1/2011 $ 34,277,619.78 $ 247,372.72 $ 47,419.94 $ 199,952.78
18.00 7/1/2011 $ 34,230,199.84 $ 247,372.72 $ 47,696.55 $ 199,676.17
19.00 8/1/2011 $ 34,182,503.29 $ 247,372.72 $ 47,974.78 $ 199,397.94
20.00 9/1/2011 $ 34,134,528.51 $ 247,372.72 $ 48,254.64 $ 199,118.08
21.00 10/1/2011 $ 34,086,273.87 $ 247,372.72 $ 48,536.12 $ 198,836.60
22.00 11/1/2011 $ 34,037,737.75 $ 247,372.72 $ 48,819.25 $ 198,553.47
23.00 12/1/2011 $ 33,988,918.50 $ 247,372.72 $ 49,104.03 $ 198,268.69
24.00 1/1/2012 $ 33,939,814.47 $ 247,372.72 $ 49,390.47 $ 197,982.25
25.00 2/1/2012 $ 33,890,424.00 $ 247,372.72 $ 49,678.58 $ 197,694.14
26.00 3/1/2012 $ 33,840,745.43 $ 247,372.72 $ 49,968.37 $ 197,404.35
27.00 4/1/2012 $ 33,790,777.05 $ 247,372.72 $ 50,259.85 $ 197,112.87
28.00 5/1/2012 $ 33,740,517.20 $ 247,372.72 $ 50,553.04 $ 196,819.68
29.00 6/1/2012 $ 33,689,964.17 $ 247,372.72 $ 50,847.93 $ 196,524.79
30.00 7/1/2012 $ 33,639,116.24 $ 247,372.72 $ 51,144.54 $ 196,228.18
31.00 8/1/2012 $ 33,587,971.70 $ 247,372.72 $ 51,442.88 $ 195,929.83
32.00 9/1/2012 $ 33,536,528.81 $ 247,372.72 $ 51,742.97 $ 195,629.75
33.00 10/1/2012 $ 33,484,785.85 $ 247,372.72 $ 52,044.80 $ 195,327.92
34.00 11/1/2012 $ 33,432,741.04 $ 247,372.72 $ 52,348.40 $ 195,024.32
35.00 12/1/2012 $ 33,380,392.65 $ 247,372.72 $ 52,653.76 $ 194,718.96
36.00 1/1/2013 $ 33,327,738.89 $ 247,372.72 $ 52,960.91 $ 194,411.81
37.00 2/1/2013 $ 33,274,777.98 $ 247,372.72 $ 53,269.85 $ 194,102.87
38.00 3/1/2013 $ 33,221,508.13 $ 247,372.72 $ 53,580.59 $ 193,792.13
39.00 4/1/2013 $ 33,167,927.54 $ 247,372.72 $ 53,893.14 $ 193,479.58
40.00 5/1/2013 $ 33,114,034.40 $ 247,372.72 $ 54,207.52 $ 193,165.20
41.00 6/1/2013 $ 33,059,826.88 $ 247,372.72 $ 54,523.73 $ 192,848.99
42.00 7/1/2013 $ 33,005,303.15 $ 247,372.72 $ 54,841.78 $ 192,530.94
43.00 8/1/2013 $ 32,950,461.37 $ 247,372.72 $ 55,161.69 $ 192,211.02
44.00 9/1/2013 $ 32,895,299.67 $ 247,372.72 $ 55,483.47 $ 191,889.25
45.00 10/1/2013 $ 32,839,816.20 $ 247,372.72 $ 55,807.12 $ 191,565.59
46.00 11/1/2013 $ 32,784,009.08 $ 247,372.72 $ 56,132.67 $ 191,240.05
47.00 12/1/2013 $ 32,727,876.41 $ 247,372.72 $ 56,460.11 $ 190,912.61
48.00 1/1/2014 $ 32,671,416.31 $ 247,372.72 $ 56,789.46 $ 190,583.26
49.00 2/1/2014 $ 32,614,626.85 $ 247,372.72 $ 57,120.73 $ 190,251.99
50.00 3/1/2014 $ 32,557,506.12 $ 247,372.72 $ 57,453.93 $ 189,918.79
51.00 4/1/2014 $ 32,500,052.19 $ 247,372.72 $ 57,789.08 $ 189,583.64
52.00 5/1/2014 $ 32,442,263.10 $ 247,372.72 $ 58,126.18 $ 189,246.53
53.00 6/1/2014 $ 32,384,136.92 $ 247,372.72 $ 58,465.25 $ 188,907.47
54.00 7/1/2014 $ 32,325,671.67 $ 247,372.72 $ 58,806.30 $ 188,566.42
55.00 8/1/2014 $ 32,266,865.37 $ 247,372.72 $ 59,149.34 $ 188,223.38
56.00 9/1/2014 $ 32,207,716.03 $ 247,372.72 $ 59,494.38 $ 187,878.34
57.00 10/1/2014 $ 32,148,221.65 $ 247,372.72 $ 59,841.43 $ 187,531.29
58.00 11/1/2014 $ 32,088,380.23 $ 247,372.72 $ 60,190.50 $ 187,182.22
59.00 12/1/2014 $ 32,028,189.73 $ 247,372.72 $ 60,541.61 $ 186,831.11
60.00 1/1/2015 $ 31,967,648.11 $ 247,372.72 $ 60,894.77 $ 186,477.95
61.00 2/1/2015 $ 31,906,753.34 $ 247,372.72 $ 61,249.99 $ 186,122.73
62.00 3/1/2015 $ 31,845,503.35 $ 247,372.72 $ 61,607.28 $ 185,765.44
63.00 4/1/2015 $ 31,783,896.07 $ 247,372.72 $ 61,966.66 $ 185,406.06
64.00 5/1/2015 $ 31,721,929.41 $ 247,372.72 $ 62,328.13 $ 185,044.59
65.00 6/1/2015 $ 31,659,601.28 $ 247,372.72 $ 62,691.71 $ 184,681.01
66.00 7/1/2015 $ 31,596,909.57 $ 247,372.72 $ 63,057.41 $ 184,315.31
67.00 8/1/2015 $ 31,533,852.15 $ 247,372.72 $ 63,425.25 $ 183,947.47
68.00 9/1/2015 $ 31,470,426.90 $ 247,372.72 $ 63,795.23 $ 183,577.49
69.00 10/1/2015 $ 31,406,631.68 $ 247,372.72 $ 64,167.37 $ 183,205.35
70.00 11/1/2015 $ 31,342,464.31 $ 247,372.72 $ 64,541.68 $ 182,831.04
71.00 12/1/2015 $ 31,277,922.63 $ 247,372.72 $ 64,918.17 $ 182,454.55
72.00 1/1/2016 $ 31,213,004.46 $ 247,372.72 $ 65,296.86 $ 182,075.86
73.00 2/1/2016 $ 31,147,707.60 $ 247,372.72 $ 65,677.76 $ 181,694.96
74.00 3/1/2016 $ 31,082,029.84 $ 247,372.72 $ 66,060.88 $ 181,311.84
75.00 4/1/2016 $ 31,015,968.96 $ 247,372.72 $ 66,446.23 $ 180,926.49
76.00 5/1/2016 $ 30,949,522.73 $ 247,372.72 $ 66,833.84 $ 180,538.88
77.00 6/1/2016 $ 30,882,688.89 $ 247,372.72 $ 67,223.70 $ 180,149.02
78.00 7/1/2016 $ 30,815,465.19 $ 247,372.72 $ 67,615.84 $ 179,756.88
79.00 8/1/2016 $ 30,747,849.36 $ 247,372.72 $ 68,010.26 $ 179,362.45
80.00 9/1/2016 $ 30,679,839.09 $ 247,372.72 $ 68,406.99 $ 178,965.73
81.00 10/1/2016 $ 30,611,432.10 $ 247,372.72 $ 68,806.03 $ 178,566.69
82.00 11/1/2016 $ 30,542,626.07 $ 247,372.72 $ 69,207.40 $ 178,165.32
83.00 12/1/2016 $ 30,473,418.67 $ 247,372.72 $ 69,611.11 $ 177,761.61
 84.00 1/1/2017 $ 30,403,807.56 $ 247,372.72 $ 70,017.17 $ 177,355.54
85.00 2/1/2017 $ 30,333,790.38 $ 247,372.72 $ 70,425.61 $ 176,947.11
86.00 3/1/2017 $ 30,263,364.77 $ 247,372.72 $ 70,836.42 $ 176,536.29
87.00 4/1/2017 $ 30,192,528.35 $ 247,372.72 $ 71,249.64 $ 176,123.08
88.00 5/1/2017 $ 30,121,278.71 $ 247,372.72 $ 71,665.26 $ 175,707.46
89.00 6/1/2017 $ 30,049,613.45 $ 247,372.72 $ 72,083.31 $ 175,289.41
90.00 7/1/2017 $ 29,977,530.15 $ 247,372.72 $ 72,503.79 $ 174,868.93
91.00 8/1/2017 $ 29,905,026.35 $ 247,372.72 $ 72,926.73 $ 174,445.99
92.00 9/1/2017 $ 29,832,099.62 $ 247,372.72 $ 73,352.14 $ 174,020.58
93.00 10/1/2017 $ 29,758,747.48 $ 247,372.72 $ 73,780.03 $ 173,592.69
94.00 11/1/2017 $ 29,684,967.46 $ 247,372.72 $ 74,210.41 $ 173,162.31
95.00 12/1/2017 $ 29,610,757.05 $ 247,372.72 $ 74,643.30 $ 172,729.42
96.00 1/1/2018 $ 29,536,113.75 $ 247,372.72 $ 75,078.72 $ 172,294.00
97.00 2/1/2018 $ 29,461,035.02 $ 247,372.72 $ 75,516.68 $ 171,856.04
98.00 3/1/2018 $ 29,385,518.34 $ 247,372.72 $ 75,957.20 $ 171,415.52
99.00 4/1/2018 $ 29,309,561.15 $ 247,372.72 $ 76,400.28 $ 170,972.44
100.00 5/1/2018 $ 29,233,160.87 $ 247,372.72 $ 76,845.95 $ 170,526.77
101.00 6/1/2018 $ 29,156,314.92 $ 247,372.72 $ 77,294.22 $ 170,078.50
102.00 7/1/2018 $ 29,079,020.70 $ 247,372.72 $ 77,745.10 $ 169,627.62
103.00 8/1/2018 $ 29,001,275.61 $ 247,372.72 $ 78,198.61 $ 169,174.11
104.00 9/1/2018 $ 28,923,077.00 $ 247,372.72 $ 78,654.77 $ 168,717.95
105.00 10/1/2018 $ 28,844,422.23 $ 247,372.72 $ 79,113.59 $ 168,259.13
106.00 11/1/2018 $ 28,765,308.64 $ 247,372.72 $ 79,575.09 $ 167,797.63
107.00 12/1/2018 $ 28,685,733.55 $ 247,372.72 $ 80,039.27 $ 167,333.45
108.00 1/1/2019 $ 28,605,694.28 $ 247,372.72 $ 80,506.17 $ 166,866.55
109.00 2/1/2019 $ 28,525,188.11 $ 247,372.72 $ 80,975.79 $ 166,396.93
110.00 3/1/2019 $ 28,444,212.32 $ 247,372.72 $ 81,448.15 $ 165,924.57
111.00 4/1/2019 $ 28,362,764.17 $ 247,372.72 $ 81,923.26 $ 165,449.46
112.00 5/1/2019 $ 28,280,840.91 $ 247,372.72 $ 82,401.15 $ 164,971.57
113.00 6/1/2019 $ 28,198,439.76 $ 247,372.72 $ 82,881.82 $ 164,490.90
114.00 7/1/2019 $ 28,115,557.94 $ 247,372.72 $ 83,365.30 $ 164,007.42
115.00 8/1/2019 $ 28,032,192.65 $ 247,372.72 $ 83,851.60 $ 163,521.12
116.00 9/1/2019 $ 27,948,341.05 $ 247,372.72 $ 84,340.73 $ 163,031.99
117.00 10/1/2019 $ 27,864,000.32 $ 247,372.72 $ 84,832.72 $ 162,540.00
118.00 11/1/2019 $ 27,779,167.60 $ 247,372.72 $ 85,327.57 $ 162,045.14
119.00 12/1/2019 $ 27,693,840.03 $ 247,372.72 $ 85,825.32 $ 161,547.40
120.00 1/1/2020 $ 27,608,014.71 $ 247,372.72 $ 86,325.97 $ 161,046.75
121.00 2/1/2020 $ 27,521,688.74 $ 247,372.72 $ 86,829.53 $ 160,543.18
122.00 3/1/2020 $ 27,434,859.21 $ 247,372.72 $ 87,336.04 $ 160,036.68
123.00 4/1/2020 $ 27,347,523.17 $ 247,372.72 $ 87,845.50 $ 159,527.22
124.00 5/1/2020 $ 27,259,677.67 $ 247,372.72 $ 88,357.93 $ 159,014.79
125.00 6/1/2020 $ 27,171,319.74 $ 247,372.72 $ 88,873.35 $ 158,499.37
126.00 7/1/2020 $ 27,082,446.38 $ 247,372.72 $ 89,391.78 $ 157,980.94
127.00 8/1/2020 $ 26,993,054.60 $ 247,372.72 $ 89,913.23 $ 157,459.49
128.00 9/1/2020 $ 26,903,141.37 $ 247,372.72 $ 90,437.73 $ 156,934.99
129.00 10/1/2020 $ 26,812,703.64 $ 247,372.72 $ 90,965.28 $ 156,407.44
130.00 11/1/2020 $ 26,721,738.36 $ 247,372.72 $ 91,495.91 $ 155,876.81
131.00 12/1/2020 $ 26,630,242.45 $ 247,372.72 $ 92,029.64 $ 155,343.08
132.00 1/1/2021 $ 26,538,212.81 $ 247,372.72 $ 92,566.48 $ 154,806.24
133.00 2/1/2021 $ 26,445,646.33 $ 247,372.72 $ 93,106.45 $ 154,266.27
134.00 3/1/2021 $ 26,352,539.88 $ 247,372.72 $ 93,649.57 $ 153,723.15
135.00 4/1/2021 $ 26,258,890.31 $ 247,372.72 $ 94,195.86 $ 153,176.86
136.00 5/1/2021 $ 26,164,694.45 $ 247,372.72 $ 94,745.33 $ 152,627.38
137.00 6/1/2021 $ 26,069,949.12 $ 247,372.72 $ 95,298.02 $ 152,074.70
138.00 7/1/2021 $ 25,974,651.10 $ 247,372.72 $ 95,853.92 $ 151,518.80
139.00 8/1/2021 $ 25,878,797.18 $ 247,372.72 $ 96,413.07 $ 150,959.65
140.00 9/1/2021 $ 25,782,384.11 $ 247,372.72 $ 96,975.48 $ 150,397.24
141.00 10/1/2021 $ 25,685,408.63 $ 247,372.72 $ 97,541.17 $ 149,831.55
142.00 11/1/2021 $ 25,587,867.46 $ 247,372.72 $ 98,110.16 $ 149,262.56
143.00 12/1/2021 $ 25,489,757.31 $ 247,372.72 $ 98,682.47 $ 148,690.25
144.00 1/1/2022 $ 25,391,074.84 $ 247,372.72 $ 99,258.12 $ 148,114.60
145.00 2/1/2022 $ 25,291,816.72 $ 247,372.72 $ 99,837.12 $ 147,535.60
146.00 3/1/2022 $ 25,191,979.60 $ 247,372.72 $ 100,419.50 $ 146,953.21
147.00 4/1/2022 $ 25,091,560.10 $ 247,372.72 $ 101,005.29 $ 146,367.43
148.00 5/1/2022 $ 24,990,554.81 $ 247,372.72 $ 101,594.48 $ 145,778.24
149.00 6/1/2022 $ 24,888,960.33 $ 247,372.72 $ 102,187.12 $ 145,185.60
150.00 7/1/2022 $ 24,786,773.21 $ 247,372.72 $ 102,783.21 $ 144,589.51
151.00 8/1/2022 $ 24,683,990.00 $ 247,372.72 $ 103,382.78 $ 143,989.94
152.00 9/1/2022 $ 24,580,607.22 $ 247,372.72 $ 103,985.84 $ 143,386.88
153.00 10/1/2022 $ 24,476,621.38 $ 247,372.72 $ 104,592.43 $ 142,780.29
154.00 11/1/2022 $ 24,372,028.95 $ 247,372.72 $ 105,202.55 $ 142,170.17
155.00 12/1/2022 $ 24,266,826.40 $ 247,372.72 $ 105,816.23 $ 141,556.49
156.00 1/1/2023 $ 24,161,010.17 $ 247,372.72 $ 106,433.49 $ 140,939.23
157.00 2/1/2023 $ 24,054,576.68 $ 247,372.72 $ 107,054.36 $ 140,318.36
158.00 3/1/2023 $ 23,947,522.32 $ 247,372.72 $ 107,678.84 $ 139,693.88
159.00 4/1/2023 $ 23,839,843.48 $ 247,372.72 $ 108,306.97 $ 139,065.75
160.00 5/1/2023 $ 23,731,536.52 $ 247,372.72 $ 108,938.76 $ 138,433.96
161.00 6/1/2023 $ 23,622,597.76 $ 247,372.72 $ 109,574.23 $ 137,798.49
162.00 7/1/2023 $ 23,513,023.53 $ 247,372.72 $ 110,213.42 $ 137,159.30
163.00 8/1/2023 $ 23,402,810.12 $ 247,372.72 $ 110,856.33 $ 136,516.39
164.00 9/1/2023 $ 23,291,953.79 $ 247,372.72 $ 111,502.99 $ 135,869.73
165.00 10/1/2023 $ 23,180,450.80 $ 247,372.72 $ 112,153.42 $ 135,219.30
166.00 11/1/2023 $ 23,068,297.38 $ 247,372.72 $ 112,807.65 $ 134,565.07
167.00 12/1/2023 $ 22,955,489.73 $ 247,372.72 $ 113,465.70 $ 133,907.02
168.00 1/1/2024 $ 22,842,024.03 $ 247,372.72 $ 114,127.58 $ 133,245.14
169.00 2/1/2024 $ 22,727,896.45 $ 247,372.72 $ 114,793.32 $ 132,579.40
170.00 3/1/2024 $ 22,613,103.13 $ 247,372.72 $ 115,462.95 $ 131,909.77
171.00 4/1/2024 $ 22,497,640.18 $ 247,372.72 $ 116,136.48 $ 131,236.23
172.00 5/1/2024 $ 22,381,503.69 $ 247,372.72 $ 116,813.95 $ 130,558.77
173.00 6/1/2024 $ 22,264,689.75 $ 247,372.72 $ 117,495.36 $ 129,877.36
174.00 7/1/2024 $ 22,147,194.38 $ 247,372.72 $ 118,180.75 $ 129,191.97
175.00 8/1/2024 $ 22,029,013.63 $ 247,372.72 $ 118,870.14 $ 128,502.58
176.00 9/1/2024 $ 21,910,143.49 $ 247,372.72 $ 119,563.55 $ 127,809.17
177.00 10/1/2024 $ 21,790,579.94 $ 247,372.72 $ 120,261.00 $ 127,111.72
178.00 11/1/2024 $ 21,670,318.94 $ 247,372.72 $ 120,962.53 $ 126,410.19
179.00 12/1/2024 $ 21,549,356.42 $ 247,372.72 $ 121,668.14 $ 125,704.58
180.00 1/1/2025 $ 21,427,688.28 $ 247,372.72 $ 122,377.87 $ 124,994.85
181.00 2/1/2025 $ 21,305,310.41 $ 247,372.72 $ 123,091.74 $ 124,280.98
182.00 3/1/2025 $ 21,182,218.66 $ 247,372.72 $ 123,809.78 $ 123,562.94
183.00 4/1/2025 $ 21,058,408.89 $ 247,372.72 $ 124,532.00 $ 122,840.72
184.00 5/1/2025 $ 20,933,876.89 $ 247,372.72 $ 125,258.44 $ 122,114.28
185.00 6/1/2025 $ 20,808,618.45 $ 247,372.72 $ 125,989.11 $ 121,383.61
186.00 7/1/2025 $ 20,682,629.34 $ 247,372.72 $ 126,724.05 $ 120,648.67
187.00 8/1/2025 $ 20,555,905.29 $ 247,372.72 $ 127,463.27 $ 119,909.45
188.00 9/1/2025 $ 20,428,442.02 $ 247,372.72 $ 128,206.81 $ 119,165.91
189.00 10/1/2025 $ 20,300,235.21 $ 247,372.72 $ 128,954.68 $ 118,418.04
190.00 11/1/2025 $ 20,171,280.53 $ 247,372.72 $ 129,706.92 $ 117,665.80
191.00 12/1/2025 $ 20,041,573.61 $ 247,372.72 $ 130,463.54 $ 116,909.18
192.00 1/1/2026 $ 19,911,110.08 $ 247,372.72 $ 131,224.58 $ 116,148.14
193.00 2/1/2026 $ 19,779,885.50 $ 247,372.72 $ 131,990.05 $ 115,382.67
194.00 3/1/2026 $ 19,647,895.44 $ 247,372.72 $ 132,760.00 $ 114,612.72
195.00 4/1/2026 $ 19,515,135.45 $ 247,372.72 $ 133,534.43 $ 113,838.29
196.00 5/1/2026 $ 19,381,601.02 $ 247,372.72 $ 134,313.38 $ 113,059.34
197.00 6/1/2026 $ 19,247,287.64 $ 247,372.72 $ 135,096.87 $ 112,275.84
198.00 7/1/2026 $ 19,112,190.77 $ 247,372.72 $ 135,884.94 $ 111,487.78
199.00 8/1/2026 $ 18,976,305.83 $ 247,372.72 $ 136,677.60 $ 110,695.12
200.00 9/1/2026 $ 18,839,628.22 $ 247,372.72 $ 137,474.89 $ 109,897.83
201.00 10/1/2026 $ 18,702,153.34 $ 247,372.72 $ 138,276.82 $ 109,095.89
202.00 11/1/2026 $ 18,563,876.51 $ 247,372.72 $ 139,083.44 $ 108,289.28
203.00 12/1/2026 $ 18,424,793.07 $ 247,372.72 $ 139,894.76 $ 107,477.96
204.00 1/1/2027 $ 18,284,898.31 $ 247,372.72 $ 140,710.81 $ 106,661.91
205.00 2/1/2027 $ 18,144,187.50 $ 247,372.72 $ 141,531.63 $ 105,841.09
206.00 3/1/2027 $ 18,002,655.88 $ 247,372.72 $ 142,357.23 $ 105,015.49
207.00 4/1/2027 $ 17,860,298.65 $ 247,372.72 $ 143,187.64 $ 104,185.08
208.00 5/1/2027 $ 17,717,111.01 $ 247,372.72 $ 144,022.90 $ 103,349.81
209.00 6/1/2027 $ 17,573,088.10 $ 247,372.72 $ 144,863.04 $ 102,509.68
210.00 7/1/2027 $ 17,428,225.06 $ 247,372.72 $ 145,708.07 $ 101,664.65
211.00 8/1/2027 $ 17,282,516.99 $ 247,372.72 $ 146,558.04 $ 100,814.68
212.00 9/1/2027 $ 17,135,958.95 $ 247,372.72 $ 147,412.96 $ 99,959.76
213.00 10/1/2027 $ 16,988,545.99 $ 247,372.72 $ 148,272.87 $ 99,099.85
214.00 11/1/2027 $ 16,840,273.13 $ 247,372.72 $ 149,137.79 $ 98,234.93
215.00 12/1/2027 $ 16,691,135.33 $ 247,372.72 $ 150,007.76 $ 97,364.96
216.00 1/1/2028 $ 16,541,127.57 $ 247,372.72 $ 150,882.81 $ 96,489.91
217.00 2/1/2028 $ 16,390,244.76 $ 247,372.72 $ 151,762.96 $ 95,609.76
218.00 3/1/2028 $ 16,238,481.81 $ 247,372.72 $ 152,648.24 $ 94,724.48
219.00 4/1/2028 $ 16,085,833.56 $ 247,372.72 $ 153,538.69 $ 93,834.03
220.00 5/1/2028 $ 15,932,294.87 $ 247,372.72 $ 154,434.33 $ 92,938.39
221.00 6/1/2028 $ 15,777,860.54 $ 247,372.72 $ 155,335.20 $ 92,037.52
222.00 7/1/2028 $ 15,622,525.34 $ 247,372.72 $ 156,241.32 $ 91,131.40
223.00 8/1/2028 $ 15,466,284.02 $ 247,372.72 $ 157,152.73 $ 90,219.99
224.00 9/1/2028 $ 15,309,131.29 $ 247,372.72 $ 158,069.45 $ 89,303.27
225.00 10/1/2028 $ 15,151,061.84 $ 247,372.72 $ 158,991.52 $ 88,381.19
226.00 11/1/2028 $ 14,992,070.31 $ 247,372.72 $ 159,918.98 $ 87,453.74
227.00 12/1/2028 $ 14,832,151.34 $ 247,372.72 $ 160,851.84 $ 86,520.88
228.00 1/1/2029 $ 14,671,299.50 $ 247,372.72 $ 161,790.14 $ 85,582.58
229.00 2/1/2029 $ 14,509,509.36 $ 247,372.72 $ 162,733.91 $ 84,638.80
230.00 3/1/2029 $ 14,346,775.45 $ 247,372.72 $ 163,683.20 $ 83,689.52
231.00 4/1/2029 $ 14,183,092.25 $ 247,372.72 $ 164,638.01 $ 82,734.70
232.00 5/1/2029 $ 14,018,454.24 $ 247,372.72 $ 165,598.40 $ 81,774.32
233.00 6/1/2029 $ 13,852,855.84 $ 247,372.72 $ 166,564.39 $ 80,808.33
234.00 7/1/2029 $ 13,686,291.44 $ 247,372.72 $ 167,536.02 $ 79,836.70
235.00 8/1/2029 $ 13,518,755.42 $ 247,372.72 $ 168,513.31 $ 78,859.41
236.00 9/1/2029 $ 13,350,242.11 $ 247,372.72 $ 169,496.31 $ 77,876.41
237.00 10/1/2029 $ 13,180,745.81 $ 247,372.72 $ 170,485.04 $ 76,887.68
238.00 11/1/2029 $ 13,010,260.77 $ 247,372.72 $ 171,479.53 $ 75,893.19
239.00 12/1/2029 $ 12,838,781.24 $ 247,372.72 $ 172,479.83 $ 74,892.89
240.00 1/1/2030 $ 12,666,301.41 $ 247,372.72 $ 173,485.96 $ 73,886.76
241.00 2/1/2030 $ 12,492,815.45 $ 247,372.72 $ 174,497.96 $ 72,874.76
242.00 3/1/2030 $ 12,318,317.49 $ 247,372.72 $ 175,515.87 $ 71,856.85
243.00 4/1/2030 $ 12,142,801.62 $ 247,372.72 $ 176,539.71 $ 70,833.01
244.00 5/1/2030 $ 11,966,261.91 $ 247,372.72 $ 177,569.52 $ 69,803.19
245.00 6/1/2030 $ 11,788,692.39 $ 247,372.72 $ 178,605.35 $ 68,767.37
246.00 7/1/2030 $ 11,610,087.04 $ 247,372.72 $ 179,647.21 $ 67,725.51
247.00 8/1/2030 $ 11,430,439.83 $ 247,372.72 $ 180,695.15 $ 66,677.57
248.00 9/1/2030 $ 11,249,744.67 $ 247,372.72 $ 181,749.21 $ 65,623.51
249.00 10/1/2030 $ 11,067,995.47 $ 247,372.72 $ 182,809.41 $ 64,563.31
250.00 11/1/2030 $ 10,885,186.05 $ 247,372.72 $ 183,875.80 $ 63,496.92
251.00 12/1/2030 $ 10,701,310.25 $ 247,372.72 $ 184,948.41 $ 62,424.31
252.00 1/1/2031 $ 10,516,361.84 $ 247,372.72 $ 186,027.27 $ 61,345.44
253.00 2/1/2031 $ 10,330,334.57 $ 247,372.72 $ 187,112.43 $ 60,260.28
254.00 3/1/2031 $ 10,143,222.14 $ 247,372.72 $ 188,203.92 $ 59,168.80
255.00 4/1/2031 $ 9,955,018.21 $ 247,372.72 $ 189,301.78 $ 58,070.94
256.00 5/1/2031 $ 9,765,716.43 $ 247,372.72 $ 190,406.04 $ 56,966.68
257.00 6/1/2031 $ 9,575,310.39 $ 247,372.72 $ 191,516.74 $ 55,855.98
258.00 7/1/2031 $ 9,383,793.65 $ 247,372.72 $ 192,633.92 $ 54,738.80
259.00 8/1/2031 $ 9,191,159.73 $ 247,372.72 $ 193,757.62 $ 53,615.10
260.00 9/1/2031 $ 8,997,402.11 $ 247,372.72 $ 194,887.87 $ 52,484.85
261.00 10/1/2031 $ 8,802,514.23 $ 247,372.72 $ 196,024.72 $ 51,348.00
262.00 11/1/2031 $ 8,606,489.51 $ 247,372.72 $ 197,168.20 $ 50,204.52
263.00 12/1/2031 $ 8,409,321.32 $ 247,372.72 $ 198,318.34 $ 49,054.37
264.00 1/1/2032 $ 8,211,002.97 $ 247,372.72 $ 199,475.20 $ 47,897.52
265.00 2/1/2032 $ 8,011,527.77 $ 247,372.72 $ 200,638.81 $ 46,733.91
266.00 3/1/2032 $ 7,810,888.96 $ 247,372.72 $ 201,809.20 $ 45,563.52
267.00 4/1/2032 $ 7,609,079.76 $ 247,372.72 $ 202,986.42 $ 44,386.30
268.00 5/1/2032 $ 7,406,093.34 $ 247,372.72 $ 204,170.51 $ 43,202.21
269.00 6/1/2032 $ 7,201,922.84 $ 247,372.72 $ 205,361.50 $ 42,011.22
270.00 7/1/2032 $ 6,996,561.33 $ 247,372.72 $ 206,559.44 $ 40,813.27
271.00 8/1/2032 $ 6,790,001.89 $ 247,372.72 $ 207,764.37 $ 39,608.34
272.00 9/1/2032 $ 6,582,237.51 $ 247,372.72 $ 208,976.33 $ 38,396.39
273.00 10/1/2032 $ 6,373,261.18 $ 247,372.72 $ 210,195.36 $ 37,177.36
274.00 11/1/2032 $ 6,163,065.82 $ 247,372.72 $ 211,421.50 $ 35,951.22
275.00 12/1/2032 $ 5,951,644.32 $ 247,372.72 $ 212,654.79 $ 34,717.93
276.00 1/1/2033 $ 5,738,989.52 $ 247,372.72 $ 213,895.28 $ 33,477.44
277.00 2/1/2033 $ 5,525,094.24 $ 247,372.72 $ 215,143.00 $ 32,229.72
278.00 3/1/2033 $ 5,309,951.24 $ 247,372.72 $ 216,398.00 $ 30,974.72
279.00 4/1/2033 $ 5,093,553.24 $ 247,372.72 $ 217,660.33 $ 29,712.39
280.00 5/1/2033 $ 4,875,892.91 $ 247,372.72 $ 218,930.01 $ 28,442.71
281.00 6/1/2033 $ 4,656,962.90 $ 247,372.72 $ 220,207.10 $ 27,165.62
282.00 7/1/2033 $ 4,436,755.80 $ 247,372.72 $ 221,491.64 $ 25,881.08
283.00 8/1/2033 $ 4,215,264.16 $ 247,372.72 $ 222,783.68 $ 24,589.04
284.00 9/1/2033 $ 3,992,480.48 $ 247,372.72 $ 224,083.25 $ 23,289.47
285.00 10/1/2033 $ 3,768,397.23 $ 247,372.72 $ 225,390.40 $ 21,982.32
286.00 11/1/2033 $ 3,543,006.83 $ 247,372.72 $ 226,705.18 $ 20,667.54
287.00 12/1/2033 $ 3,316,301.65 $ 247,372.72 $ 228,027.63 $ 19,345.09
288.00 1/1/2034 $ 3,088,274.02 $ 247,372.72 $ 229,357.79 $ 18,014.93
289.00 2/1/2034 $ 2,858,916.23 $ 247,372.72 $ 230,695.71 $ 16,677.01
290.00 3/1/2034 $ 2,628,220.53 $ 247,372.72 $ 232,041.43 $ 15,331.29
291.00 4/1/2034 $ 2,396,179.09 $ 247,372.72 $ 233,395.01 $ 13,977.71
292.00 5/1/2034 $ 2,162,784.09 $ 247,372.72 $ 234,756.48 $ 12,616.24
293.00 6/1/2034 $ 1,928,027.61 $ 247,372.72 $ 236,125.89 $ 11,246.83
294.00 7/1/2034 $ 1,691,901.72 $ 247,372.72 $ 237,503.29 $ 9,869.43
295.00 8/1/2034 $ 1,454,398.42 $ 247,372.72 $ 238,888.73 $ 8,483.99
296.00 9/1/2034 $ 1,215,509.69 $ 247,372.72 $ 240,282.25 $ 7,090.47
297.00 10/1/2034 $ 975,227.45 $ 247,372.72 $ 241,683.89 $ 5,688.83
298.00 11/1/2034 $ 733,543.56 $ 247,372.72 $ 243,093.71 $ 4,279.00
299.00 12/1/2034 $ 490,449.84 $ 247,372.72 $ 244,511.76 $ 2,860.96
300.00 1/1/2035 $ 245,938.08 $ 247,372.72 $ 245,938.08 $ 1,434.64
 Fin
Saldo
$ 34,692,213.13
$ 34,647,211.66
$ 34,601,947.67
$ 34,556,419.65
$ 34,510,626.04
$ 34,464,565.31
$ 34,418,235.89
$ 34,371,636.21
$ 34,324,764.71
$ 34,277,619.78
$ 34,230,199.84
$ 34,182,503.29
$ 34,134,528.51
$ 34,086,273.87
$ 34,037,737.75
$ 33,988,918.50
$ 33,939,814.47
$ 33,890,424.00
$ 33,840,745.43
$ 33,790,777.05
$ 33,740,517.20
$ 33,689,964.17
$ 33,639,116.24
$ 33,587,971.70
$ 33,536,528.81
$ 33,484,785.85
$ 33,432,741.04
$ 33,380,392.65
$ 33,327,738.89
$ 33,274,777.98
$ 33,221,508.13
$ 33,167,927.54
$ 33,114,034.40
$ 33,059,826.88
$ 33,005,303.15
$ 32,950,461.37
$ 32,895,299.67
$ 32,839,816.20
$ 32,784,009.08
$ 32,727,876.41
$ 32,671,416.31
$ 32,614,626.85
$ 32,557,506.12
$ 32,500,052.19
$ 32,442,263.10
$ 32,384,136.92
$ 32,325,671.67
$ 32,266,865.37
$ 32,207,716.03
$ 32,148,221.65
$ 32,088,380.23
$ 32,028,189.73
$ 31,967,648.11
$ 31,906,753.34
$ 31,845,503.35
$ 31,783,896.07
$ 31,721,929.41
$ 31,659,601.28
$ 31,596,909.57
$ 31,533,852.15
$ 31,470,426.90
$ 31,406,631.68
$ 31,342,464.31
$ 31,277,922.63
$ 31,213,004.46
$ 31,147,707.60
$ 31,082,029.84
$ 31,015,968.96
$ 30,949,522.73
$ 30,882,688.89
$ 30,815,465.19
$ 30,747,849.36
$ 30,679,839.09
$ 30,611,432.10
$ 30,542,626.07
$ 30,473,418.67
$ 30,403,807.56
$ 30,333,790.38
$ 30,263,364.77
$ 30,192,528.35
$ 30,121,278.71
$ 30,049,613.45
$ 29,977,530.15
$ 29,905,026.35
$ 29,832,099.62
$ 29,758,747.48
$ 29,684,967.46
$ 29,610,757.05
$ 29,536,113.75
$ 29,461,035.02
$ 29,385,518.34
$ 29,309,561.15
$ 29,233,160.87
$ 29,156,314.92
$ 29,079,020.70
$ 29,001,275.61
$ 28,923,077.00
$ 28,844,422.23
$ 28,765,308.64
$ 28,685,733.55
$ 28,605,694.28
$ 28,525,188.11
$ 28,444,212.32
$ 28,362,764.17
$ 28,280,840.91
$ 28,198,439.76
$ 28,115,557.94
$ 28,032,192.65
$ 27,948,341.05
$ 27,864,000.32
$ 27,779,167.60
$ 27,693,840.03
$ 27,608,014.71
$ 27,521,688.74
$ 27,434,859.21
$ 27,347,523.17
$ 27,259,677.67
$ 27,171,319.74
$ 27,082,446.38
$ 26,993,054.60
$ 26,903,141.37
$ 26,812,703.64
$ 26,721,738.36
$ 26,630,242.45
$ 26,538,212.81
$ 26,445,646.33
$ 26,352,539.88
$ 26,258,890.31
$ 26,164,694.45
$ 26,069,949.12
$ 25,974,651.10
$ 25,878,797.18
$ 25,782,384.11
$ 25,685,408.63
$ 25,587,867.46
$ 25,489,757.31
$ 25,391,074.84
$ 25,291,816.72
$ 25,191,979.60
$ 25,091,560.10
$ 24,990,554.81
$ 24,888,960.33
$ 24,786,773.21
$ 24,683,990.00
$ 24,580,607.22
$ 24,476,621.38
$ 24,372,028.95
$ 24,266,826.40
$ 24,161,010.17
$ 24,054,576.68
$ 23,947,522.32
$ 23,839,843.48
$ 23,731,536.52
$ 23,622,597.76
$ 23,513,023.53
$ 23,402,810.12
$ 23,291,953.79
$ 23,180,450.80
$ 23,068,297.38
$ 22,955,489.73
$ 22,842,024.03
$ 22,727,896.45
$ 22,613,103.13
$ 22,497,640.18
$ 22,381,503.69
$ 22,264,689.75
$ 22,147,194.38
$ 22,029,013.63
$ 21,910,143.49
$ 21,790,579.94
$ 21,670,318.94
$ 21,549,356.42
$ 21,427,688.28
$ 21,305,310.41
$ 21,182,218.66
$ 21,058,408.89
$ 20,933,876.89
$ 20,808,618.45
$ 20,682,629.34
$ 20,555,905.29
$ 20,428,442.02
$ 20,300,235.21
$ 20,171,280.53
$ 20,041,573.61
$ 19,911,110.08
$ 19,779,885.50
$ 19,647,895.44
$ 19,515,135.45
$ 19,381,601.02
$ 19,247,287.64
$ 19,112,190.77
$ 18,976,305.83
$ 18,839,628.22
$ 18,702,153.34
$ 18,563,876.51
$ 18,424,793.07
$ 18,284,898.31
$ 18,144,187.50
$ 18,002,655.88
$ 17,860,298.65
$ 17,717,111.01
$ 17,573,088.10
$ 17,428,225.06
$ 17,282,516.99
$ 17,135,958.95
$ 16,988,545.99
$ 16,840,273.13
$ 16,691,135.33
$ 16,541,127.57
$ 16,390,244.76
$ 16,238,481.81
$ 16,085,833.56
$ 15,932,294.87
$ 15,777,860.54
$ 15,622,525.34
$ 15,466,284.02
$ 15,309,131.29
$ 15,151,061.84
$ 14,992,070.31
$ 14,832,151.34
$ 14,671,299.50
$ 14,509,509.36
$ 14,346,775.45
$ 14,183,092.25
$ 14,018,454.24
$ 13,852,855.84
$ 13,686,291.44
$ 13,518,755.42
$ 13,350,242.11
$ 13,180,745.81
$ 13,010,260.77
$ 12,838,781.24
$ 12,666,301.41
$ 12,492,815.45
$ 12,318,317.49
$ 12,142,801.62
$ 11,966,261.91
$ 11,788,692.39
$ 11,610,087.04
$ 11,430,439.83
$ 11,249,744.67
$ 11,067,995.47
$ 10,885,186.05
$ 10,701,310.25
$ 10,516,361.84
$ 10,330,334.57
$ 10,143,222.14
$ 9,955,018.21
$ 9,765,716.43
$ 9,575,310.39
$ 9,383,793.65
$ 9,191,159.73
$ 8,997,402.11
$ 8,802,514.23
$ 8,606,489.51
$ 8,409,321.32
$ 8,211,002.97
$ 8,011,527.77
$ 7,810,888.96
$ 7,609,079.76
$ 7,406,093.34
$ 7,201,922.84
$ 6,996,561.33
$ 6,790,001.89
$ 6,582,237.51
$ 6,373,261.18
$ 6,163,065.82
$ 5,951,644.32
$ 5,738,989.52
 $ 5,525,094.24
$ 5,309,951.24
$ 5,093,553.24
$ 4,875,892.91
$ 4,656,962.90
$ 4,436,755.80
$ 4,215,264.16
$ 3,992,480.48
$ 3,768,397.23
$ 3,543,006.83
$ 3,316,301.65
$ 3,088,274.02
$ 2,858,916.23
$ 2,628,220.53
$ 2,396,179.09
$ 2,162,784.09
$ 1,928,027.61
$ 1,691,901.72
$ 1,454,398.42
$ 1,215,509.69
$ 975,227.45
$ 733,543.56
$ 490,449.84
$ 245,938.08
-$ 0.00
Un rancho ganadero obtine un crédito refaccionario para la compra de ganado pie de
cría el 1 de enero de 2014 por $350,000. El plazo será de cinco años y tendrá vencimientos
anuales de una veinteava parte del crédito, los intereses se liquidarán semestralmente
con base a la tasa interbancaria de equilibrio.
El crédito será suministrado en enero 2014 $250,000 y el resto en en febrero.
Calcule los intereses para enero, febrero y marzo de 2014.
TIIE: enero 4.90%, febrero 5.20% y marzo 4.98%

Crédito
suministrado Interés
Mes 2014 en el mes Acumulado TIIE Resultado Entre 12 Mensual
Enero 250,000 250,000 4.90% 12,250.00 12 1,020.83
Febrero 100,000 350,000 5.20% 18,200.00 12 1,516.67
Marzo 0 350,000 4.98% 17,430.00 12 1,452.50
SUMA 350,000 3,990.00
Una empresa solicita un crédito prendario el 1 de enero de 2013 por $1'200,000 dejando en
prenda de garantía una máquina con un valor de $5'000,000. El crédito se liquidará en tres
años con vencimientos anuales de capital de $400,000 más intereses que se pagarán cada
trimestre con base a CETES más 2 puntos.
CETES: enero 5.27%, febrero 5.31%, marzo 5.34%

Préstamo Más 2%
Mes prendario CETES Tasa Resultado Entre 12 Interés
enero 133,333.00 5.27% 7.2700% 9,693.31 12 807.78
febrero 133,333.00 5.31% 7.3100% 9,746.64 12 812.22
marzo 133,333.00 5.34% 7.3400% 9,786.64 12 815.55
SUMA 2,435.55
Una compañía solicita un crédito de habilitación y avío el 1 de junio de 2012 por
$3'500,000 para la compra de inventarios y mano de obra para el cultivo de alfalfa.

El crédito vence en cinco años y se pagará año tras año la parte proporcional, el costo del
servicio de la deuda es el Costo Porcentual Promedio (CPP) más dos puntos anual y se
liquida cada trimestre, dispuso el 1 de junio $1'000,000 y el 1 de julio 1'500,000.

El Costo Promedio Porcentual para junio es de 4.2% y julio 4.5%

Calcula los intereses de las primeras dos disposiciones:

Número Fecha Suministro Acumulado CPP + 2% Intereses

1 6/1/2012 1,000,000.00 1,000,000.00 6.20% 5,166.67
2 7/1/2012 1,500,000.00 2,500,000.00 6.50% 13,541.67
Suma Intereses 18,708.33
Una compañía que se dedica a la compra venta de flores, adquirió mediante arrendamiento
financiero un vehículo sedan para repartir las flores, modelo 2014, con valor en factura de
$154,000, como garantía se ofreció el mismo vehículo, y la arrendadora no realizó ningún
otro cargo por el trámite. El crédito durará cinco años con pagos bimestrales y con un
interés del 8.5% anual. El contrato se firma el 10 de enero de 2014 y el primer vencimiento
será el 10 de marzo de 2014.

Calcule los intereses por el tiempo en que durará el crédito (puedes apoyarte con la
herramienta de Excel).

El pago mensual será: 3,159.55

Los intereses totales ascenderarán a: 35,572.75

Importe del préstamo 154,000.00 €

Tasa de interés anual 8.50%
Periodo del préstamo en años 5
Fecha de inicio del préstamo 10/01/2014

Pago mensual 3,159.55 €

Número de pagos 60
Importe total de los intereses 35,572.75 €
Coste total del préstamo 189,572.75 €

Pago Inicio Fin

N. º Fecha Saldo Pago Principal Interés Saldo
1 10/02/2014 154,000.00 € 3,159.55 € 2,068.71 € 1,090.83 € 151,931.29 €
2 10/03/2014 151,931.29 € 3,159.55 € 2,083.37 € 1,076.18 € 149,847.92 €
3 10/04/2014 149,847.92 € 3,159.55 € 2,098.12 € 1,061.42 € 147,749.80 €
4 10/05/2014 147,749.80 € 3,159.55 € 2,112.98 € 1,046.56 € 145,636.81 €
5 10/06/2014 145,636.81 € 3,159.55 € 2,127.95 € 1,031.59 € 143,508.86 €
6 10/07/2014 143,508.86 € 3,159.55 € 2,143.02 € 1,016.52 € 141,365.84 €
7 10/08/2014 141,365.84 € 3,159.55 € 2,158.20 € 1,001.34 € 139,207.63 €
8 10/09/2014 139,207.63 € 3,159.55 € 2,173.49 € 986.05 € 137,034.14 €
9 10/10/2014 137,034.14 € 3,159.55 € 2,188.89 € 970.66 € 134,845.25 €
10 10/11/2014 134,845.25 € 3,159.55 € 2,204.39 € 955.15 € 132,640.86 €
11 10/12/2014 132,640.86 € 3,159.55 € 2,220.01 € 939.54 € 130,420.86 €
12 10/01/2015 130,420.86 € 3,159.55 € 2,235.73 € 923.81 € 128,185.12 €
13 10/02/2015 128,185.12 € 3,159.55 € 2,251.57 € 907.98 € 125,933.56 €
14 10/03/2015 125,933.56 € 3,159.55 € 2,267.52 € 892.03 € 123,666.04 €
15 10/04/2015 123,666.04 € 3,159.55 € 2,283.58 € 875.97 € 121,382.46 €
16 10/05/2015 121,382.46 € 3,159.55 € 2,299.75 € 859.79 € 119,082.71 €
17 10/06/2015 119,082.71 € 3,159.55 € 2,316.04 € 843.50 € 116,766.67 €
18 10/07/2015 116,766.67 € 3,159.55 € 2,332.45 € 827.10 € 114,434.22 €
19 10/08/2015 114,434.22 € 3,159.55 € 2,348.97 € 810.58 € 112,085.25 €
20 10/09/2015 112,085.25 € 3,159.55 € 2,365.61 € 793.94 € 109,719.64 €
21 10/10/2015 109,719.64 € 3,159.55 € 2,382.37 € 777.18 € 107,337.27 €
22 10/11/2015 107,337.27 € 3,159.55 € 2,399.24 € 760.31 € 104,938.03 €
23 10/12/2015 104,938.03 € 3,159.55 € 2,416.23 € 743.31 € 102,521.80 €
24 10/01/2016 102,521.80 € 3,159.55 € 2,433.35 € 726.20 € 100,088.45 €
25 10/02/2016 100,088.45 € 3,159.55 € 2,450.59 € 708.96 € 97,637.86 €
26 10/03/2016 97,637.86 € 3,159.55 € 2,467.94 € 691.60 € 95,169.92 €
27 10/04/2016 95,169.92 € 3,159.55 € 2,485.43 € 674.12 € 92,684.49 €
28 10/05/2016 92,684.49 € 3,159.55 € 2,503.03 € 656.52 € 90,181.46 €
29 10/06/2016 90,181.46 € 3,159.55 € 2,520.76 € 638.79 € 87,660.70 €
30 10/07/2016 87,660.70 € 3,159.55 € 2,538.62 € 620.93 € 85,122.09 €
21 10/10/2015 109,719.64 € 3,159.55 € 2,382.37 € 777.18 € 107,337.27 €
22 10/11/2015 107,337.27 € 3,159.55 € 2,399.24 € 760.31 € 104,938.03 €
23 10/12/2015 104,938.03 € 3,159.55 € 2,416.23 € 743.31 € 102,521.80 €
24 10/01/2016 102,521.80 € 3,159.55 € 2,433.35 € 726.20 € 100,088.45 €
25 10/02/2016 100,088.45 € 3,159.55 € 2,450.59 € 708.96 € 97,637.86 €
26 10/03/2016 97,637.86 € 3,159.55 € 2,467.94 € 691.60 € 95,169.92 €
27 10/04/2016 95,169.92 € 3,159.55 € 2,485.43 € 674.12 € 92,684.49 €
28 10/05/2016 92,684.49 € 3,159.55 € 2,503.03 € 656.52 € 90,181.46 €
29 10/06/2016 90,181.46 € 3,159.55 € 2,520.76 € 638.79 € 87,660.70 €
30 10/07/2016 87,660.70 € 3,159.55 € 2,538.62 € 620.93 € 85,122.09 €
31 10/08/2016 85,122.09 € 3,159.55 € 2,556.60 € 602.95 € 82,565.49 €
32 10/09/2016 82,565.49 € 3,159.55 € 2,574.71 € 584.84 € 79,990.78 €
33 10/10/2016 79,990.78 € 3,159.55 € 2,592.94 € 566.60 € 77,397.84 €
34 10/11/2016 77,397.84 € 3,159.55 € 2,611.31 € 548.23 € 74,786.52 €
35 10/12/2016 74,786.52 € 3,159.55 € 2,629.81 € 529.74 € 72,156.72 €
36 10/01/2017 72,156.72 € 3,159.55 € 2,648.44 € 511.11 € 69,508.28 €
37 10/02/2017 69,508.28 € 3,159.55 € 2,667.20 € 492.35 € 66,841.09 €
38 10/03/2017 66,841.09 € 3,159.55 € 2,686.09 € 473.46 € 64,155.00 €
39 10/04/2017 64,155.00 € 3,159.55 € 2,705.11 € 454.43 € 61,449.88 €
40 10/05/2017 61,449.88 € 3,159.55 € 2,724.28 € 435.27 € 58,725.61 €
41 10/06/2017 58,725.61 € 3,159.55 € 2,743.57 € 415.97 € 55,982.03 €
42 10/07/2017 55,982.03 € 3,159.55 € 2,763.01 € 396.54 € 53,219.03 €
43 10/08/2017 53,219.03 € 3,159.55 € 2,782.58 € 376.97 € 50,436.45 €
44 10/09/2017 50,436.45 € 3,159.55 € 2,802.29 € 357.26 € 47,634.16 €
45 10/10/2017 47,634.16 € 3,159.55 € 2,822.14 € 337.41 € 44,812.03 €
46 10/11/2017 44,812.03 € 3,159.55 € 2,842.13 € 317.42 € 41,969.90 €
47 10/12/2017 41,969.90 € 3,159.55 € 2,862.26 € 297.29 € 39,107.64 €
48 10/01/2018 39,107.64 € 3,159.55 € 2,882.53 € 277.01 € 36,225.11 €
49 10/02/2018 36,225.11 € 3,159.55 € 2,902.95 € 256.59 € 33,322.15 €
50 10/03/2018 33,322.15 € 3,159.55 € 2,923.51 € 236.03 € 30,398.64 €
51 10/04/2018 30,398.64 € 3,159.55 € 2,944.22 € 215.32 € 27,454.42 €
52 10/05/2018 27,454.42 € 3,159.55 € 2,965.08 € 194.47 € 24,489.34 €
53 10/06/2018 24,489.34 € 3,159.55 € 2,986.08 € 173.47 € 21,503.26 €
54 10/07/2018 21,503.26 € 3,159.55 € 3,007.23 € 152.31 € 18,496.03 €
55 10/08/2018 18,496.03 € 3,159.55 € 3,028.53 € 131.01 € 15,467.50 €
56 10/09/2018 15,467.50 € 3,159.55 € 3,049.98 € 109.56 € 12,417.51 €
57 10/10/2018 12,417.51 € 3,159.55 € 3,071.59 € 87.96 € 9,345.93 €
58 10/11/2018 9,345.93 € 3,159.55 € 3,093.35 € 66.20 € 6,252.58 €
59 10/12/2018 6,252.58 € 3,159.55 € 3,115.26 € 44.29 € 3,137.32 €
60 10/01/2019 3,137.32 € 3,159.55 € 3,137.32 € 22.22 € - 0.00 €
Una empresa S.A., emite instrumentos de deuda mediante 10,000 bonos de $100 pesos
cada uno, la fecha de emisión es el 1 de enero de 2012 y con fecha de vencimiento del
31 de diciembre de 2013, la tasa anual de rendimiento (interés simple) es de 4%.
Los intereses se pagan mensualmente.
Calcula los intereses de los dos años:

Número Fecha Deuda Interés Intereses

1 1/1/2012 416.00 4.00% 16.64
2 31/02/2012 416.00 4.00% 16.64
3 3/1/2012 416.00 4.00% 16.64
4 31/04/2012 416.00 4.00% 16.64
5 5/1/2012 416.00 4.00% 16.64
6 31/06/2012 416.00 4.00% 16.64
7 7/1/2012 416.00 4.00% 16.64
8 31/02/2012 416.00 4.00% 16.64
9 2/1/2012 416.00 4.00% 16.64
10 31/02/2012 416.00 4.00% 16.64
11 2/1/2012 416.00 4.00% 16.64
12 31/02/2012 416.00 4.00% 16.64
13 2/1/2012 416.00 4.00% 16.64
14 31/02/2012 416.00 4.00% 16.64
15 2/1/2012 416.00 4.00% 16.64
16 31/02/2012 416.00 4.00% 16.64
17 2/1/2012 416.00 4.00% 16.64
18 31/02/2012 416.00 4.00% 16.64
19 2/1/2012 416.00 4.00% 16.64
20 31/02/2012 416.00 4.00% 16.64
21 2/1/2012 416.00 4.00% 16.64
22 31/02/2012 416.00 4.00% 16.64
23 2/1/2012 416.00 4.00% 16.64
24 12/31/2013 416.00 4.00% 16.64
Suma de Intereses 399.36