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AMORTIZACIÓN

EJERCICIO 1
Se obtiene un préstamo hoy de 45 000 soles para ser cancelado bajo las siguientes condiciones; TEA 15%,
preparar el cuadro de servicio de deuda.

DATOS �=𝐏(( 𝐢(𝐢+𝟏)^� )/((𝐢+𝟏)^�−𝟏))


P= 45000
TEA= 15%
TEM= �=𝟒𝟓𝟎𝟎𝟎((𝟎,𝟎𝟏�
1.171% (𝟎,𝟎𝟏�+𝟏)^𝟔𝟎 )/((𝟎,𝟎𝟏�+𝟏)^𝟔𝟎−𝟏))=𝟏𝟎𝟒𝟖,𝟒�
R= 1048.422574
i%nFRC 0.023298279

n FECHA PRÉSTAMO CUOTA AMORTIZACIÓN


0 11/23/2018 45000.00
1ERA CUOTA 1 12/23/2018 1048.42 521.25
2DA CUOTA 2 1/22/2019 1048.42 527.36
3 2/21/2019 1048.42 533.54
4 3/23/2019 1048.42 539.79
5 4/22/2019 1048.42 546.11
6 5/22/2019 1048.42 552.51
7 6/21/2019 1048.42 558.98
8 7/21/2019 1048.42 565.53
9 8/20/2019 1048.42 572.15
10 9/19/2019 1048.42 578.86
11 10/19/2019 1048.42 585.64
12 11/18/2019 1048.42 592.50
13 12/18/2019 1048.42 599.44
14 1/17/2020 1048.42 606.46
15 2/16/2020 1048.42 613.57
16 3/17/2020 1048.42 620.75
17 4/16/2020 1048.42 628.03
18 5/16/2020 1048.42 635.38
19 6/15/2020 1048.42 642.83
20 7/15/2020 1048.42 650.36
21 8/14/2020 1048.42 657.98
22 9/13/2020 1048.42 665.68
23 10/13/2020 1048.42 673.48
24 11/12/2020 1048.42 681.37
25 12/12/2020 1048.42 689.35
26 1/11/2021 1048.42 697.43
27 2/10/2021 1048.42 705.60
28 3/12/2021 1048.42 713.87
29 4/11/2021 1048.42 722.23
30 5/11/2021 1048.42 730.69
31 6/10/2021 1048.42 739.25
32 7/10/2021 1048.42 747.91
33 8/9/2021 1048.42 756.67
34 9/8/2021 1048.42 765.54
35 10/8/2021 1048.42 774.51
36 11/7/2021 1048.42 783.58
37 12/7/2021 1048.42 792.76
38 1/6/2022 1048.42 802.05
39 2/5/2022 1048.42 811.44
40 3/7/2022 1048.42 820.95
41 4/6/2022 1048.42 830.56
42 5/6/2022 1048.42 840.29
43 6/5/2022 1048.42 850.14
44 7/5/2022 1048.42 860.10
45 8/4/2022 1048.42 870.17
46 9/3/2022 1048.42 880.37
47 10/3/2022 1048.42 890.68
48 11/2/2022 1048.42 901.12
49 12/2/2022 1048.42 911.67
50 1/1/2023 1048.42 922.35
51 1/31/2023 1048.42 933.16
52 3/2/2023 1048.42 944.09
53 4/1/2023 1048.42 955.15
54 5/1/2023 1048.42 966.34
55 5/31/2023 1048.42 977.66
56 6/30/2023 1048.42 989.11
57 7/30/2023 1048.42 1000.70
58 8/29/2023 1048.42 1012.42
59 9/28/2023 1048.42 1024.28
60 10/28/2023 1048.42 1036.28
45000.00

EJERCICIO 2
Se obtiene un préstamo hoy de 45 000 soles para ser cancelado bajo las siguientes condiciones; TEA 15%,
coinciden con el mes del cumpleaños del deudor. Calcular el monto de las cuotas y preparar el cuadro de

DATOS
P= 45000
�=𝟒𝟓𝟎𝟎𝟎/(∑26_(𝒌=𝟏,𝟏�%)^𝒏▒(_𝐾^�)𝐹𝑆� ) (𝟒𝟓𝟎𝟎𝟎/(
TEA= 15%
TEM= 1.171%
R= 1144.077136
(SUMATORIA) i%nFSA 39.33301224
n FECHA Nº MES FSA PRÉSTAMO
0 11/19/2018 45000.00
1 12/19/2018 1 0.988420733
2 1/18/2019 2 0.976975546
3 2/17/2019 3 0.965662885
4 3/19/2019 4 0.954481217
5 4/18/2019 5 0.943429025
6 5/18/2019 6 0
7 6/17/2019 7 0.921707086
8 7/17/2019 8 0.911034394
9 8/16/2019 9 0.900485284
10 9/15/2019 10 0.890058324
11 10/15/2019 11 0.879752102
12 11/14/2019 12 0.869565217
13 12/14/2019 13 0.85949629
14 1/13/2020 14 0.849543953
15 2/12/2020 15 0.839706857
16 3/13/2020 16 0.829983667
17 4/12/2020 17 0.820373065
18 5/12/2020 18 0
19 6/11/2020 19 0.801484423
20 7/11/2020 20 0.792203821
21 8/10/2020 21 0.783030682
22 9/9/2020 22 0.77396376
23 10/9/2020 23 0.765001828
24 11/8/2020 24 0.756143667
25 12/8/2020 25 0.747388078
26 1/7/2021 26 0.738733872
27 2/6/2021 27 0.730179876
28 3/8/2021 28 0.721724928
29 4/7/2021 29 0.713367882
30 5/7/2021 30 0
31 6/6/2021 31 0.696942976
32 7/6/2021 32 0.688872888
33 8/5/2021 33 0.680896245
34 9/4/2021 34 0.673011966
35 10/4/2021 35 0.66521898
36 11/3/2021 36 0.657516232
37 12/3/2021 37 0.649902677
38 1/2/2022 38 0.64237728
39 2/1/2022 39 0.634939022
40 3/3/2022 40 0.627586894
41 4/2/2022 41 0.620319898
42 5/2/2022 42 0
43 6/1/2022 43 0.606037371
44 7/1/2022 44 0.599019902
45 7/31/2022 45 0.592083691
46 8/30/2022 46 0.585227796
47 9/29/2022 47 0.578451287
48 10/29/2022 48 0.571753246
49 11/28/2022 49 0.565132762
50 12/28/2022 50 0.558588939
51 1/27/2023 51 0.552120889
52 2/26/2023 52 0.545727734
53 3/28/2023 53 0.539408607
54 4/27/2023 54 0.533162651
55 5/27/2023 55 0
56 6/26/2023 56 0.520886872
57 7/26/2023 57 0.514855384
58 8/25/2023 58 0.508893736
59 9/24/2023 59 0.503001119
60 10/24/2023 60 0.497176735
39.33301224

EJERCICIO 3
Se obtiene un préstamo hoy (19/11/18) de 45 000 soles para ser cancelado bajo las siguientes condicione
que coinciden con el mes del cumpleaños del deudor. Calcular el monto de las cuotas y preparar el cuadr

DATOS
P= 45000
TEA= 15%
TED= 0.03830%
R= 1149.332513
i%nFSA 39.15316018

n FECHA Nº DÍAS X MES NºDIAS FSA PRÉSTAMO


0 11/19/2018 45000
1 12/19/2018 30 30 0.988578444
2 1/19/2019 31 61 0.976913199
3 2/19/2019 31 92 0.965385604
4 3/19/2019 28 120 0.955090545
5 4/19/2019 31 151 0.943820458
6 5/19/2019 30 181 0
7 6/19/2019 31 212 0.922030663
8 7/19/2019 30 242 0.911499638
9 8/19/2019 31 273 0.900743924
10 9/19/2019 31 304 0.890115128
11 10/19/2019 30 334 0.879948628
12 11/19/2019 31 365 0.869565217
13 12/19/2019 30 395 0.85963343
14 1/19/2020 31 426 0.849489738
15 2/19/2020 31 457 0.839465743
16 3/19/2020 29 486 0.830195567
17 4/19/2020 31 517 0.820399243
18 5/19/2020 30 547 0
19 6/19/2020 31 578 0.801458849
20 7/19/2020 30 608 0.792304941
21 8/19/2020 31 639 0.782955728
22 9/19/2020 31 670 0.773716835
23 10/19/2020 30 700 0.764879785
24 11/19/2020 31 731 0.755854188
25 12/19/2020 30 761 0.747221157
26 1/19/2021 31 792 0.738403933
27 2/19/2021 31 823 0.729690752
28 3/19/2021 28 851 0.721909188
29 4/19/2021 31 882 0.713390646
30 5/19/2021 30 912 0
31 6/19/2021 31 943 0.696920738
32 7/19/2021 30 973 0.688960819
33 8/19/2021 31 1004 0.680831068
34 9/19/2021 31 1035 0.672797248
35 10/19/2021 30 1065 0.665112856
36 11/19/2021 31 1096 0.657264511
37 12/19/2021 30 1126 0.649757528
38 1/19/2022 31 1157 0.642090376
39 2/19/2022 31 1188 0.634513697
40 3/19/2022 28 1216 0.62774712
41 4/19/2022 31 1247 0.620339692
42 5/19/2022 30 1277 0
43 6/19/2022 31 1308 0.606018033
44 7/19/2022 30 1338 0.599096364
45 8/19/2022 31 1369 0.592027015
46 9/19/2022 31 1400 0.585041085
47 10/19/2022 30 1430 0.578359005
48 11/19/2022 31 1461 0.571534358
49 12/19/2022 30 1491 0.565006546
50 1/19/2023 31 1522 0.558339458
51 2/19/2023 31 1553 0.551751041
52 3/19/2023 28 1581 0.545867061
53 4/19/2023 31 1612 0.539425819
54 5/19/2023 30 1642 0
55 6/19/2023 31 1673 0.526972203
56 7/19/2023 30 1703 0.52095336
57 8/19/2023 31 1734 0.5148061
58 9/19/2023 31 1765 0.508731378
59 10/19/2023 30 1795 0.502920874
60 11/19/2023 31 1826 0.496986398
39.32483
AMORTIZACIÓN

EJERCICIO 1
tes condiciones; TEA 15%, cuotas iguales cada 30 días durante 5 años. Calcular el monto de las cuotas y

P= 45 000
+𝟏)^�−𝟏)) R R R R R R R
├──┼──┼──┼...─┼──┼──┼───┼
0 1 2 3 57 58 59 60 MES
𝟔𝟎−𝟏))=𝟏𝟎𝟒𝟖,𝟒� i=0,0171 %

INTERES SALDO
45000.00
527.17 44478.75
521.06 43951.39
514.89 43417.86
508.64 42878.07
502.31 42331.96
495.92 41779.45
489.44 41220.47
482.89 40654.94
476.27 40082.79 � �=�(𝟏/(𝟏+𝐢)^(� −(�−𝟏)) )
469.57 39503.94
462.79 38918.30
455.92 38325.80 � �𝟏 =𝟏𝟎𝟒𝟖.𝟒�(𝟏/(𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�𝟎) )=𝟔
448.98 37726.36
441.96 37119.90
434.86 36506.33 i%nFSA 0.62758689
427.67 35885.58 R= 1048.42257
420.40 35257.55 A= 657.976267
413.04 34622.17
405.60 33979.34
398.07 33328.99
� ��=𝟏𝟎𝟒𝟖.𝟒�(( (𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�𝟎)−𝟏 )/((𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�
390.45 32671.01
382.74 32005.33
374.94 31331.84
367.05 30650.47 i%nFASU 31.7896498
359.07 29961.12 R= 1048.42257
350.99 29263.68 S= 33328.9864
342.82 28558.08 TEM*S 390.446307
334.56 27844.22
326.19 27121.99
317.73 26391.30
309.17 25652.05
300.51 24904.13
291.75 24147.46 � ��=𝟏𝟎𝟒𝟖.𝟒�(( (𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−��)−𝟏 )/((𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−��
282.89 23381.92
273.92 22607.42
264.84 21823.84 i%nFASU 27.2390967
255.66 21031.08 R= 1048.42257
246.38 20229.04 S= 28558.0839
236.98 19417.60
227.48 18596.65
217.86 17766.09
208.13 16925.79
198.28 16075.65
188.32 15215.55
178.25 14345.38
168.05 13465.01
157.74 12574.33
147.31 11673.22
136.75 10761.55
126.07 9839.19
115.27 8906.04
104.33 7961.95
93.27 7006.80
82.08 6040.46
70.76 5062.80
59.31 4073.69 � 𝟔𝟎=𝟏𝟎𝟒𝟖.𝟒�(𝟏/(𝟎,𝟎𝟏�+𝟏)^𝟏 )=𝟏𝟎𝟑𝟔,�𝟖
47.72 3072.99
36.00 2060.57
24.14 1036.28 i%nFSA 0.98842073
12.14 0.00 R= 1048.42257
A= 1036.28261

EJERCICIO 2
tes condiciones; TEA 15%, cuotas iguales cada 30 días durante 5 años, dejando de pagar las cuotas que
as y preparar el cuadro de servicio de deuda.

𝐾^�)𝐹𝑆� ) (𝟒𝟓𝟎𝟎𝟎/(𝟑𝟗,𝟑𝟑𝟑𝟎𝟏��))=𝟏𝟏𝟒𝟒,𝟎��
CUOTA AMORTIZACIÓN INTERES SALDO
45000.00
1144.08 616.91 527.17 44383.09
1144.08 624.13 519.94 43758.96
1144.08 631.44 512.63 43127.52
1144.08 638.84 505.24 42488.67
1144.08 646.33 497.75 41842.35
0.00 0 490.179642 42332.53
1144.08 648.16 495.92 41684.37
1144.08 655.75 488.33 41028.63
1144.08 663.43 480.65 40365.20
1144.08 671.20 472.87 39693.99
1144.08 679.07 465.01 39014.93
1144.08 687.02 457.06 38327.91
1144.08 695.07 449.01 37632.84
1144.08 703.21 440.87 36929.63
1144.08 711.45 432.63 36218.18
1144.08 719.78 424.29 35498.39
1144.08 728.22 415.86 34770.18
0.00 0 407.329729 35177.51
1144.08 731.98 412.10 34445.53
1144.08 740.55 403.53 33704.98
1144.08 749.23 394.85 32955.75
1144.08 758.00 386.07 32197.75
1144.08 766.88 377.19 31430.87
1144.08 775.87 368.21 30655.00
1144.08 784.96 359.12 29870.04
1144.08 794.15 349.93 29075.89
1144.08 803.46 340.62 28272.44
1144.08 812.87 331.21 27459.57
1144.08 822.39 321.69 26637.18
0.00 0 312.052328 26949.23
1144.08 828.37 315.71 26120.86
1144.08 838.07 306.00 25282.79
1144.08 847.89 296.19 24434.90
1144.08 857.82 286.25 23577.07
1144.08 867.87 276.20 22709.20
1144.08 878.04 266.04 21831.16
1144.08 888.33 255.75 20942.83
1144.08 898.73 245.34 20044.10
1144.08 909.26 234.81 19134.83
1144.08 919.91 224.16 18214.92
1144.08 930.69 213.39 17284.23
0.00 0 202.483318 17486.71
1144.08 939.22 204.86 16547.49
1144.08 950.22 193.85 15597.27
1144.08 961.36 182.72 14635.91
1144.08 972.62 171.46 13663.29
1144.08 984.01 160.06 12679.28
1144.08 995.54 148.54 11683.74
1144.08 1007.20 136.87 10676.54
1144.08 1019.00 125.07 9657.53
1144.08 1030.94 113.14 8626.59
1144.08 1043.02 101.06 7583.58
1144.08 1055.24 88.84 6528.34
1144.08 1067.60 76.48 5460.74
0.00 0 63.9721313 5524.71
1144.08 1079.36 64.72 4445.36
1144.08 1092.00 52.08 3353.36
1144.08 1104.79 39.28 2248.56
1144.08 1117.74 26.34 1130.83
1144.08 1130.83 13.25 0.00
46476.02

EJERCICIO 3
las siguientes condiciones; TEA 15%, cada 19 de cada mes durante 5 años, dejando de pagar las cuotas
cuotas y preparar el cuadro de servicio de deuda.

CUOTA AMORTIZACIÓN INTERES SALDO


45000
1149.33251 632.3058004242 517.027 44367.6942
1149.33251 622.5786053085 526.754 43745.1156
1149.33251 629.9701481719 519.362 43115.1454
1149.33251 686.9865178239 462.346 42428.1589
1149.33251 645.6056704385 503.727 41782.5533
0 0 480.059915 42262.6132
1149.33251 647.5711066704 501.761407 41615.0421
1149.33251 671.1972154039 478.135298 40943.8449
1149.33251 663.2281377608 486.104376 40280.6167
1149.33251 671.1022907862 478.230223 39609.5144
1149.33251 694.2396901928 455.092823 38915.2747
1149.33251 687.3122660241 462.020247 38227.9625
1149.33251 710.1130072306 439.219506 37517.8495
1149.33251 703.903149035 445.429364 36813.9463
1149.33251 712.2602147186 437.072299 36101.6861
1149.33251 748.3691454393 400.963368 35353.3169
1149.33251 729.6014860556 419.731027 34623.7155
0 0 397.808573 35021.524
1149.33251 733.5406858865 415.791827 34287.9834
1149.33251 755.3813283641 393.951185 33532.602
1149.33251 751.2178607763 398.114653 32781.3842
1149.33251 760.1366687315 389.195845 32021.2475
1149.33251 781.4249503583 367.907563 31239.8225
1149.33251 778.438805501 370.893708 30461.3837
1149.33251 799.3469776995 349.985536 29662.0368
1149.33251 797.1710124006 352.161501 28864.8657
1149.33251 806.635397552 342.697116 28058.2303
1149.33251 848.4496029739 300.88291 27209.7807
1149.33251 826.285336724 323.047177 26383.4954
0 0 303.132709 26686.6281
1149.33251 832.4964481218 316.836065 25854.1317
1149.33251 852.2819197364 297.050594 25001.8498
1149.33251 852.4989207658 296.833593 24149.3508
1149.33251 862.6201845872 286.712329 23286.7306
1149.33251 881.7800289108 267.552484 22404.9506
1149.33251 883.3305155224 266.001998 21521.6201
1149.33251 902.0602356396 247.272278 20619.5599
1149.33251 904.527505192 244.805008 19715.0324
1149.33251 915.2664765746 234.066037 18799.7659
1149.33251 947.7329041534 201.599609 17852.033
1149.33251 937.3848720026 211.947641 16914.6481
0 0 194.340554 17108.9887
1149.33251 946.2066398599 203.125874 16162.782
1149.33251 963.6305120325 185.702001 15199.1515
1149.33251 968.881115099 180.451398 14230.2704
1149.33251 980.3841224796 168.948391 13249.8863
1149.33251 997.0981768016 152.234337 12252.7881
1149.33251 1003.861712381 145.470801 11248.9264
1149.33251 1020.088170452 129.244343 10228.8382
1149.33251 1027.890987054 121.441526 9200.94722
1149.33251 1040.0945870894 109.237926 8160.85264
1149.33251 1061.8194713074 87.5130421 7099.03317
1149.33251 1065.0494887283 84.2830247 6033.98368
0 0 69.3273499 6103.31103
1149.33251 1076.8711652302 72.4613482 5026.43986
1149.33251 1091.5813204924 57.7511929 3934.85854
1149.33251 1102.616042036 46.7164713 2832.2425
1149.33251 1115.7068126908 33.6257007 1716.53569
1149.33251 1129.610406624 19.7221068 586.925281
1149.33251 1142.3642633759 6.96825001 -555.43898
FACTORES FINANCIEROS

I= 1.17%
n= 60

i%nFSC 2.01135719
i%nFSA 0.49717674
i%nFCSU 86.3307179
i%nFDFA 0.01158336
i%nFASU 42.9216245
i%nFRC 0.02329828
i%nFCSA 2247.6231
i%nFASA 1117.46591

FACTORES FINANCIEROS

I= 1.17%
n= 40
^(� −(�−𝟏)) )
i%nFSC 1.59340485
i%nFSA 0.62758689
i%nFCSU 50.6537821
�+𝟏)^(𝟔𝟎−�𝟎) )=𝟔𝟓�,𝟗𝟖
i%nFDFA 0.01974186
i%nFASU 31.7896498
i%nFRC 0.03145678
i%nFCSA 909.420202
i%nFASA 570.7402

FACTORES FINANCIEROS

(𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−�𝟎) (𝟎,𝟎𝟏�) ))=�𝟖𝟓𝟓𝟖,𝟎𝟖


I= 1.17%
n= 40

i%nFSC 1.59340485
i%nFSA 0.62758689
i%nFCSU 50.6537821
i%nFDFA 0.01974186
i%nFASU 31.7896498
i%nFRC 0.03145678
i%nFCSA 909.420202
i%nFASA 570.7402

FACTORES FINANCIEROS
𝟎,𝟎𝟏�+𝟏)^(𝟔𝟎−��) (𝟎,𝟎𝟏�) ))=�𝟖𝟓𝟓𝟖,𝟎𝟖

I= 1.17%
n= 33

i%nFSC 1.46865254
i%nFSA 0.68089624
i%nFCSU 40.0047686
i%nFDFA 0.02499702
i%nFASU 27.2390967
i%nFRC 0.03671194
i%nFCSA 597.935834
i%nFASA 407.132264

FACTORES FINANCIEROS

I= 1.17%
)=𝟏𝟎𝟑𝟔,�𝟖 n= 1

i%nFSC 1.01171492
i%nFSA 0.98842073
i%nFCSU 1
i%nFDFA 1
i%nFASU 0.98842073
i%nFRC 1.01171492
i%nFCSA 0
i%nFASA 0

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