Préstamo

Bs.S-605,422.27 ### Cuota Interés Capital 33,600,000.00

1 605,422.27 504,000.00 101,422.27 33,498,577.73
2 605,422.27 502,478.67 102,943.60 33,395,634.13
3 605,422.27 500,934.51 104,487.76 33,291,146.37
4 605,422.27 499,367.20 106,055.07 33,185,091.29
5 605,422.27 497,776.37 107,645.90 33,077,445.39
6 605,422.27 496,161.68 109,260.59 32,968,184.80
7 605,422.27 494,522.77 110,899.50 32,857,285.31
8 605,422.27 492,859.28 112,562.99 32,744,722.32
9 605,422.27 491,170.83 114,251.44 32,630,470.88
10 605,422.27 489,457.06 115,965.21 32,514,505.67
11 605,422.27 487,717.59 117,704.68 32,396,800.99
12 605,422.27 485,952.01 119,470.26 32,277,330.73
13 605,422.27 484,159.96 121,262.31 32,156,068.42
14 605,422.27 482,341.03 123,081.24 32,032,987.18
15 605,422.27 480,494.81 124,927.46 31,908,059.72
16 605,422.27 478,620.90 126,801.37 31,781,258.34
17 605,422.27 476,718.88 128,703.39 31,652,554.95
18 605,422.27 474,788.32 130,633.95 31,521,921.00
19 605,422.27 472,828.82 132,593.45 31,389,327.55
20 605,422.27 470,839.91 134,582.36 31,254,745.19
21 605,422.27 468,821.18 136,601.09 31,118,144.10
22 605,422.27 466,772.16 138,650.11 30,979,493.99
23 605,422.27 464,692.41 140,729.86 30,838,764.13
24 605,422.27 462,581.46 142,840.81 30,695,923.32
25 605,422.27 460,438.85 144,983.42 30,550,939.90
26 605,422.27 458,264.10 147,158.17 30,403,781.73
27 605,422.27 456,056.73 149,365.54 30,254,416.19
28 605,422.27 453,816.24 151,606.03 30,102,810.16
29 605,422.27 451,542.15 153,880.12 29,948,930.04
30 605,422.27 449,233.95 156,188.32 29,792,741.72
31 605,422.27 446,891.13 158,531.14 29,634,210.58
32 605,422.27 444,513.16 160,909.11 29,473,301.47
33 605,422.27 442,099.52 163,322.75 29,309,978.72
34 605,422.27 439,649.68 165,772.59 29,144,206.13
35 605,422.27 437,163.09 168,259.18 28,975,946.95
36 605,422.27 434,639.20 170,783.07 28,805,163.89
37 605,422.27 432,077.46 173,344.81 28,631,819.07
38 605,422.27 429,477.29 175,944.98 28,455,874.09
39 605,422.27 426,838.11 178,584.16 28,277,289.93
40 605,422.27 424,159.35 181,262.92 28,096,027.01
41 605,422.27 421,440.41 183,981.86 27,912,045.15
42 605,422.27 418,680.68 186,741.59 27,725,303.55
43 605,422.27 415,879.55 189,542.72 27,535,760.84
44 605,422.27 413,036.41 192,385.86 27,343,374.98
45 605,422.27 410,150.62 195,271.65 27,148,103.33
46 605,422.27 407,221.55 198,200.72 26,949,902.61
47 605,422.27 404,248.54 201,173.73 26,748,728.88
48 605,422.27 401,230.93 204,191.34 26,544,537.55
49 605,422.27 398,168.06 207,254.21 26,337,283.34
50 605,422.27 395,059.25 210,363.02 26,126,920.32
51 605,422.27 391,903.80 213,518.47 25,913,401.85
52 605,422.27 388,701.03 216,721.24 25,696,680.61
53 605,422.27 385,450.21 219,972.06 25,476,708.55
54 605,422.27 382,150.63 223,271.64 25,253,436.91
55 605,422.27 378,801.55 226,620.72 25,026,816.19
56 605,422.27 375,402.24 230,020.03 24,796,796.17
57 605,422.27 371,951.94 233,470.33 24,563,325.84
58 605,422.27 368,449.89 236,972.38 24,326,353.46
59 605,422.27 364,895.30 240,526.97 24,085,826.49
60 605,422.27 361,287.40 244,134.87 23,841,691.62
61 605,422.27 357,625.37 247,796.90 23,593,894.72
62 605,422.27 353,908.42 251,513.85 23,342,380.87
63 605,422.27 350,135.71 255,286.56 23,087,094.31
64 605,422.27 346,306.41 259,115.86 22,827,978.46
65 605,422.27 342,419.68 263,002.59 22,564,975.87
66 605,422.27 338,474.64 266,947.63 22,298,028.23
67 605,422.27 334,470.42 270,951.85 22,027,076.39
68 605,422.27 330,406.15 275,016.12 21,752,060.26
69 605,422.27 326,280.90 279,141.37 21,472,918.90
70 605,422.27 322,093.78 283,328.49 21,189,590.41
71 605,422.27 317,843.86 287,578.41 20,902,012.00
72 605,422.27 313,530.18 291,892.09 20,610,119.91
73 605,422.27 309,151.80 296,270.47 20,313,849.44
74 605,422.27 304,707.74 300,714.53 20,013,134.91
75 605,422.27 300,197.02 305,225.25 19,707,909.66
76 605,422.27 295,618.64 309,803.63 19,398,106.04
77 605,422.27 290,971.59 314,450.68 19,083,655.36
78 605,422.27 286,254.83 319,167.44 18,764,487.92
79 605,422.27 281,467.32 323,954.95 18,440,532.96
80 605,422.27 276,607.99 328,814.28 18,111,718.69
81 605,422.27 271,675.78 333,746.49 17,777,972.20
82 605,422.27 266,669.58 338,752.69 17,439,219.51
83 605,422.27 261,588.29 343,833.98 17,095,385.54
84 605,422.27 256,430.78 348,991.49 16,746,394.05
85 605,422.27 251,195.91 354,226.36 16,392,167.69
86 605,422.27 245,882.52 359,539.75 16,032,627.93
87 605,422.27 240,489.42 364,932.85 15,667,695.08
88 605,422.27 235,015.43 370,406.84 15,297,288.24
89 605,422.27 229,459.32 375,962.95 14,921,325.29
90 605,422.27 223,819.88 381,602.39 14,539,722.90
91 605,422.27 218,095.84 387,326.43 14,152,396.48
92 605,422.27 212,285.95 393,136.32 13,759,260.15
93 605,422.27 206,388.90 399,033.37 13,360,226.79
94 605,422.27 200,403.40 405,018.87 12,955,207.92
 95 605,422.27 194,328.12 411,094.15 12,544,113.77
96 605,422.27 188,161.71 417,260.56 12,126,853.20
97 605,422.27 181,902.80 423,519.47 11,703,333.73
98 605,422.27 175,550.01 429,872.26 11,273,461.47
99 605,422.27 169,101.92 436,320.35 10,837,141.12
100 605,422.27 162,557.12 442,865.15 10,394,275.97
101 605,422.27 155,914.14 449,508.13 9,944,767.83
102 605,422.27 149,171.52 456,250.75 9,488,517.08
103 605,422.27 142,327.76 463,094.51 9,025,422.57
104 605,422.27 135,381.34 470,040.93 8,555,381.64
105 605,422.27 128,330.72 477,091.55 8,078,290.09
106 605,422.27 121,174.35 484,247.92 7,594,042.17
107 605,422.27 113,910.63 491,511.64 7,102,530.54
108 605,422.27 106,537.96 498,884.31 6,603,646.22
109 605,422.27 99,054.69 506,367.58 6,097,278.65
110 605,422.27 91,459.18 513,963.09 5,583,315.56
111 605,422.27 83,749.73 521,672.54 5,061,643.02
112 605,422.27 75,924.65 529,497.62 4,532,145.40
113 605,422.27 67,982.18 537,440.09 3,994,705.31
114 605,422.27 59,920.58 545,501.69 3,449,203.62
115 605,422.27 51,738.05 553,684.22 2,895,519.40
116 605,422.27 43,432.79 561,989.48 2,333,529.92
117 605,422.27 35,002.95 570,419.32 1,763,110.60
118 605,422.27 26,446.66 578,975.61 1,184,134.99
119 605,422.27 17,762.02 587,660.25 596,474.74
120 605,422.27 8,947.12 596,475.15 -0.40
 14400000 33600000
0.015
El monto del préstamo es Bs.33.600.000 es el 70% de Bs.48.000.000
Este se va a financiar al 18% en 120 pagos mensuales iguales y consecutivos de Bs. 605.422,27 (cuota financie
Como se ve al final de los 120 meses (10 años) el saldo del préstamo es 0,40Bs ; esto da así por los decimales
s. 605.422,27 (cuota financiera mensual)
sto da así por los decimales que se vienen arrastrando pero es igual a 0
 Préstamo
Bs.S-605,422.27 ### Cuota Interés Capital 33,600,000.00
1 605,422.27 504,000.00 101,422.27 33,498,577.73
2 605,422.27 502,478.67 102,943.60 33,395,634.13
3 605,422.27 500,934.51 104,487.76 33,291,146.37
4 605,422.27 499,367.20 106,055.07 33,185,091.29
5 605,422.27 497,776.37 107,645.90 33,077,445.39
6 605,422.27 496,161.68 109,260.59 32,968,184.80
7 605,422.27 494,522.77 110,899.50 32,857,285.31
8 605,422.27 492,859.28 112,562.99 32,744,722.32
9 605,422.27 491,170.83 114,251.44 32,630,470.88
10 605,422.27 489,457.06 115,965.21 32,514,505.67
11 605,422.27 487,717.59 117,704.68 32,396,800.99
12 605,422.27 485,952.01 119,470.26 32,277,330.73
13 605,422.27 484,159.96 121,262.31 32,156,068.42
14 605,422.27 482,341.03 123,081.24 32,032,987.18
15 605,422.27 480,494.81 124,927.46 31,908,059.72
16 605,422.27 478,620.90 126,801.37 31,781,258.34
17 605,422.27 476,718.88 128,703.39 31,652,554.95
18 605,422.27 474,788.32 130,633.95 31,521,921.00
19 605,422.27 472,828.82 132,593.45 31,389,327.55
20 605,422.27 470,839.91 134,582.36 31,254,745.19
21 605,422.27 468,821.18 136,601.09 31,118,144.10
22 605,422.27 466,772.16 138,650.11 30,979,493.99
23 605,422.27 464,692.41 140,729.86 30,838,764.13
24 605,422.27 462,581.46 142,840.81 10,695,923.32
25 605,422.27 160,438.85 444,983.42 10,250,939.90
26 605,422.27 153,764.10 451,658.17 9,799,281.73
27 605,422.27 146,989.23 458,433.04 9,340,848.69
28 605,422.27 140,112.73 465,309.54 8,875,539.15
29 605,422.27 133,133.09 472,289.18 8,403,249.96
30 605,422.27 126,048.75 479,373.52 7,923,876.44
31 605,422.27 118,858.15 486,564.12 7,437,312.32
32 605,422.27 111,559.68 493,862.59 6,943,449.74
33 605,422.27 104,151.75 501,270.52 6,442,179.21
34 605,422.27 96,632.69 508,789.58 5,933,389.63
35 605,422.27 89,000.84 516,421.43 5,416,968.20
36 605,422.27 81,254.52 524,167.75 4,892,800.46
37 605,422.27 73,392.01 532,030.26 4,360,770.19
38 605,422.27 65,411.55 540,010.72 3,820,759.48
39 605,422.27 57,311.39 548,110.88 3,272,648.60
40 605,422.27 49,089.73 556,332.54 2,716,316.06
41 605,422.27 40,744.74 564,677.53 2,151,638.53
42 605,422.27 32,274.58 573,147.69 1,578,490.84
43 605,422.27 23,677.36 581,744.91 996,745.93
44 605,422.27 14,951.19 590,471.08 406,274.85
45 412,368.97 6,094.12 406,274.85 0.00
 14400000 33600000
0.015
El monto del préstamo es Bs.33.600.000 es el 70% de Bs.48.000.000
Este se va a financiar al 18% en 120 pagos mensuales iguales y consecutivos de Bs. 605.422,27 (cuota financie
Si en el mes 24 decide abonar al capital insoluto Bs.20.000.000 y decide conservar la cuota original lo cancela

Al capital insoluto en el mes 24 abona 20.000.000 Bs.

Si desea conservar la cuota financiera original de Bs. 605.422,27 en el mes 44 o sea a los 3,67 años a Sandra Pinto le fallt
que podría cancelarlo sumándolo a la cuota es decir Bs. 406.274,85+ Bs.605.422,27=Bs. 1.011.697,12
ó en una cuota nro. 45 (3,75 años) de Bs. 412.368,97 que se origina de multiplicar Bs. 406.274,85*0,015=6.094,12
s. 605.422,27 (cuota financieera mensual)
r la cuota original lo cancelaría en 44 y/ó 45 cuotas

años a Sandra Pinto le falltaría por cancelar Bs. 406.274,85 de capital

4,85*0,015=6.094,12
 Préstamo
Bs.S-605,422.27 Item ### Cuota Interés Capital 33,600,000.00
1 605,422.27 504,000.00 101,422.27 33,498,577.73
2 605,422.27 502,478.67 102,943.60 33,395,634.13
3 605,422.27 500,934.51 104,487.76 33,291,146.37
4 605,422.27 499,367.20 106,055.07 33,185,091.29
5 605,422.27 497,776.37 107,645.90 33,077,445.39
6 605,422.27 496,161.68 109,260.59 32,968,184.80
7 605,422.27 494,522.77 110,899.50 32,857,285.31
8 605,422.27 492,859.28 112,562.99 32,744,722.32
9 605,422.27 491,170.83 114,251.44 32,630,470.88
10 605,422.27 489,457.06 115,965.21 32,514,505.67
11 605,422.27 487,717.59 117,704.68 32,396,800.99
12 605,422.27 485,952.01 119,470.26 32,277,330.73
13 605,422.27 484,159.96 121,262.31 32,156,068.42
14 605,422.27 482,341.03 123,081.24 32,032,987.18
15 605,422.27 480,494.81 124,927.46 31,908,059.72
16 605,422.27 478,620.90 126,801.37 31,781,258.34
17 605,422.27 476,718.88 128,703.39 31,652,554.95
18 605,422.27 474,788.32 130,633.95 31,521,921.00
19 605,422.27 472,828.82 132,593.45 31,389,327.55
20 605,422.27 470,839.91 134,582.36 31,254,745.19
21 605,422.27 468,821.18 136,601.09 31,118,144.10
22 605,422.27 466,772.16 138,650.11 30,979,493.99
23 605,422.27 464,692.41 140,729.86 30,838,764.13
24 605,422.27 462,581.46 142,840.81 10,695,923.32
25 210,957.99 160,438.85 50,519.14 10,645,404.19
26 210,957.99 159,681.06 51,276.92 10,594,127.26
27 210,957.99 158,911.91 52,046.08 10,542,081.19
28 210,957.99 158,131.22 52,826.77 10,489,254.42
29 210,957.99 157,338.82 53,619.17 10,435,635.25
30 210,957.99 156,534.53 54,423.46 10,381,211.79
31 210,957.99 155,718.18 55,239.81 10,325,971.98
32 210,957.99 154,889.58 56,068.41 10,269,903.58
33 210,957.99 154,048.55 56,909.43 10,212,994.15
34 210,957.99 153,194.91 57,763.07 10,155,231.07
35 210,957.99 152,328.47 58,629.52 10,096,601.55
36 210,957.99 151,449.02 59,508.96 10,037,092.59
37 210,957.99 150,556.39 60,401.60 9,976,690.99
38 210,957.99 149,650.36 61,307.62 9,915,383.37
39 210,957.99 148,730.75 62,227.24 9,853,156.14
40 210,957.99 147,797.34 63,160.64 9,789,995.49
41 210,957.99 146,849.93 64,108.05 9,725,887.44
42 210,957.99 145,888.31 65,069.67 9,660,817.77
43 210,957.99 144,912.27 66,045.72 9,594,772.05
44 210,957.99 143,921.58 67,036.41 9,527,735.64
45 210,957.99 142,916.03 68,041.95 9,459,693.69
46 210,957.99 141,895.41 69,062.58 9,390,631.11
47 210,957.99 140,859.47 70,098.52 9,320,532.59
48 210,957.99 139,807.99 71,150.00 9,249,382.59
49 210,957.99 138,740.74 72,217.25 9,177,165.35
50 210,957.99 137,657.48 73,300.51 9,103,864.84
51 210,957.99 136,557.97 74,400.01 9,029,464.83
52 210,957.99 135,441.97 75,516.01 8,953,948.81
53 210,957.99 134,309.23 76,648.75 8,877,300.06
54 210,957.99 133,159.50 77,798.48 8,799,501.58
55 210,957.99 131,992.52 78,965.46 8,720,536.11
56 210,957.99 130,808.04 80,149.94 8,640,386.17
57 210,957.99 129,605.79 81,352.19 8,559,033.98
58 210,957.99 128,385.51 82,572.48 8,476,461.50
59 210,957.99 127,146.92 83,811.06 8,392,650.44
60 210,957.99 125,889.76 85,068.23 8,307,582.21
61 210,957.99 124,613.73 86,344.25 8,221,237.96
62 210,957.99 123,318.57 87,639.42 8,133,598.54
63 210,957.99 122,003.98 88,954.01 8,044,644.53
64 210,957.99 120,669.67 90,288.32 7,954,356.21
65 210,957.99 119,315.34 91,642.64 7,862,713.57
66 210,957.99 117,940.70 93,017.28 7,769,696.29
67 210,957.99 116,545.44 94,412.54 7,675,283.75
68 210,957.99 115,129.26 95,828.73 7,579,455.02
69 210,957.99 113,691.83 97,266.16 7,482,188.86
70 210,957.99 112,232.83 98,725.15 7,383,463.70
71 210,957.99 110,751.96 100,206.03 7,283,257.67
72 210,957.99 109,248.87 101,709.12 7,181,548.55
73 210,957.99 107,723.23 103,234.76 7,078,313.80
74 210,957.99 106,174.71 104,783.28 6,973,530.52
75 210,957.99 104,602.96 106,355.03 6,867,175.49
76 210,957.99 103,007.63 107,950.35 6,759,225.14
77 210,957.99 101,388.38 109,569.61 6,649,655.53
78 210,957.99 99,744.83 111,213.15 6,538,442.37
79 210,957.99 98,076.64 112,881.35 6,425,561.02
80 210,957.99 96,383.42 114,574.57 6,310,986.45
81 210,957.99 94,664.80 116,293.19 6,194,693.26
82 210,957.99 92,920.40 118,037.59 6,076,655.68
83 210,957.99 91,149.84 119,808.15 5,956,847.53
84 210,957.99 89,352.71 121,605.27 5,835,242.25
85 210,957.99 87,528.63 123,429.35 5,711,812.90
86 210,957.99 85,677.19 125,280.79 5,586,532.11
87 210,957.99 83,797.98 127,160.00 5,459,372.11
88 210,957.99 81,890.58 129,067.40 5,330,304.70
89 210,957.99 79,954.57 131,003.42 5,199,301.29
90 210,957.99 77,989.52 132,968.47 5,066,332.82
91 210,957.99 75,994.99 134,962.99 4,931,369.83
92 210,957.99 73,970.55 136,987.44 4,794,382.39
93 210,957.99 71,915.74 139,042.25 4,655,340.14
94 210,957.99 69,830.10 141,127.88 4,514,212.25
 95 210,957.99 67,713.18 143,244.80 4,370,967.45
96 210,957.99 65,564.51 145,393.47 4,225,573.98
97 210,957.99 63,383.61 147,574.38 4,077,999.60
98 210,957.99 61,169.99 149,787.99 3,928,211.61
99 210,957.99 58,923.17 152,034.81 3,776,176.80
100 210,957.99 56,642.65 154,315.33 3,621,861.47
101 210,957.99 54,327.92 156,630.06 3,465,231.40
102 210,957.99 51,978.47 158,979.51 3,306,251.89
103 210,957.99 49,593.78 161,364.21 3,144,887.68
104 210,957.99 47,173.32 163,784.67 2,981,103.01
105 210,957.99 44,716.55 166,241.44 2,814,861.57
106 210,957.99 42,222.92 168,735.06 2,646,126.51
107 210,957.99 39,691.90 171,266.09 2,474,860.42
108 210,957.99 37,122.91 173,835.08 2,301,025.34
109 210,957.99 34,515.38 176,442.61 2,124,582.73
110 210,957.99 31,868.74 179,089.24 1,945,493.49
111 210,957.99 29,182.40 181,775.58 1,763,717.90
112 210,957.99 26,455.77 184,502.22 1,579,215.69
113 210,957.99 23,688.24 187,269.75 1,391,945.94
114 210,957.99 20,879.19 190,078.80 1,201,867.14
115 210,957.99 18,028.01 192,929.98 1,008,937.16
116 210,957.99 15,134.06 195,823.93 813,113.23
117 210,957.99 12,196.70 198,761.29 614,351.95
118 210,957.99 9,215.28 201,742.71 412,609.24
119 210,957.99 6,189.14 204,768.85 207,840.39
120 210,957.99 3,117.61 207,840.38 0.01
 14400000 33600000
0.015
El monto del préstamo es Bs.33.600.000 es el 70% de Bs.48.000.000
Este se va a financiar al 18% en 120 pagos mensuales iguales y consecutivos de Bs. 605.422,27
Pero en el mes 24 o sea a los 2 años Sandra Pinto abona Bs. 20.000.000 al capital insoluto si ella y el b

Bs.S-210,957.99
210,957.99
ecutivos de Bs. 605.422,27
000 al capital insoluto si ella y el banco convienen en cancelar el crédito en el período original del 10 años (120 cuotas mensuales igual
(120 cuotas mensuales iguales y consecutivas la nueva cuota financiera mensual es Bs.210.957,99