prestamo 500000 CON FX

periodo 6 cuota interes abono

0
interes 2% 1 $ 89,262.91 $ 10,000.00 $ 79,262.91
cuota $ 89,262.91 2 $ 89,262.91 $ 8,414.74 $ 80,848.16
3 $ 89,262.91 $ 6,797.78 $ 82,465.13
4 $ 89,262.91 $ 5,148.48 $ 84,114.43
5 $ 89,262.91 $ 3,466.19 $ 85,796.72
6 $ 89,262.91 $ 1,750.25 $ 87,512.65
CON FORMULA
$ 89,262.91 $ 10,000.00 $ 79,262.91
$ 89,262.91 $ 8,414.74 $ 80,848.16
$ 6,797.78 $ 82,465.13
$ 5,148.48 $ 84,114.43
$ 3,466.19 $ 85,796.72
$ 1,750.25 $ 87,512.65

EJERCICIO
se solicita un prestamo de 40,000,000 a una tasa de interes mensual de 1,2% a un plaso de 12 meses pero nos
cobran una comiscion de desemboldo por 1,000,000
TABADLA DE AMORTIZACIO DEL BANCO
prestamo $ 40,000,000.00 cuota
periodo 12 0
interes 1.20% 1 $ 3,599,017.33
cuota $ 3,599,017.33 2 $ 3,599,017.33
3 $ 3,599,017.33
4 $ 3,599,017.33
5 $ 3,599,017.33
6 $ 3,599,017.33
7 $ 3,599,017.33
8 $ 3,599,017.33
9 $ 3,599,017.33
10 $ 3,599,017.33
11 $ 3,599,017.33
12 $ 3,599,017.33
EJERCICIO
nos otorgan un prestamo de 200000000 a una tasa de interes del 4.5% mensual y nos cobran una comision de 4,000,000 por 6
elaborar tabla de amortizacion

prestamo $ 200,000,000 cuota

periodo 6 0
interes 4.50% 1 $ 38,775,677.50
cuota $ 38,775,677.50 2 $ 38,775,677.50
3 $ 38,775,677.50
4 $ 38,775,677.50
5 $ 38,775,677.50
6 $ 38,775,677.50

2105 obligacion financiera $ 28,721,565.80

530520 interes $ 9,000,000.00
530515 comicion $ 1,054,111.71
11005 bancos $ 38,775,677.50

2105 obligacion financiera $ 30,194,881.26

530520 interes $ 7,660,094.51
530515 comicion $ 920,701.73
11005 bancos $ 38,775,677.50

2105 obligacion financiera $ 31,743,772.63

530520 interes $ 6,259,893.28
530515 comicion $ 772,011.59
11005 bancos $ 38,775,677.50

2105 obligacion financiera $ 33,372,116.70

530520 interes $ 4,796,682.99
530515 comicion $ 606,877.82
11005 bancos $ 38,775,677.50
 saldo
500000
$ 420,737.09
$ 339,888.93
$ 257,423.80
$ 173,309.37
$ 87,512.65
$ 0.00

12 meses pero nos

DLA DE AMORTIZACIO DEL BANCO TIR

interes abono saldo cuota
$ 40,000,000.00 0 -39000000
$ 480,000.00 $ 3,119,017.33 $ 36,880,982.67 1 $ 3,599,017.33
$ 442,571.79 $ 3,156,445.54 $ 33,724,537.13 2 $ 3,599,017.33
$ 404,694.45 $ 3,194,322.89 $ 30,530,214.24 3 $ 3,599,017.33
$ 366,362.57 $ 3,232,654.76 $ 27,297,559.48 4 $ 3,599,017.33
$ 327,570.71 $ 3,271,446.62 $ 24,026,112.87 5 $ 3,599,017.33
$ 288,313.35 $ 3,310,703.98 $ 20,715,408.89 6 $ 3,599,017.33
$ 248,584.91 $ 3,350,432.42 $ 17,364,976.47 7 $ 3,599,017.33
$ 208,379.72 $ 3,390,637.61 $ 13,974,338.85 8 $ 3,599,017.33
$ 167,692.07 $ 3,431,325.26 $ 10,543,013.59 9 $ 3,599,017.33
$ 126,516.16 $ 3,472,501.17 $ 7,070,512.42 10 $ 3,599,017.33
$ 84,846.15 $ 3,514,171.18 $ 3,556,341.24 11 $ 3,599,017.33
$ 42,676.09 $ 3,556,341.24 $ - 12 $ 3,599,017.33
TIR 1.60531%
an una comision de 4,000,000 por 6 meses

interes abono saldo TIR

200000000 -196000000 0
$ 9,000,000.00 $ 29,775,677.50 $ 170,224,322.50 $ 38,775,677.50 1
$ 7,660,094.51 $ 31,115,582.99 $ 139,108,739.50 $ 38,775,677.50 2
$ 6,259,893.28 $ 32,515,784.23 $ 106,592,955.28 $ 38,775,677.50 3
$ 4,796,682.99 $ 33,978,994.52 $ 72,613,960.76 $ 38,775,677.50 4
$ 3,267,628.23 $ 35,508,049.27 $ 37,105,911.49 $ 38,775,677.50 5
$ 1,669,766.02 $ 37,105,911.49 $ 0.00 $ 38,775,677.50 6
5.12965%

2105 obligacion financiera $ 35,083,989.09

530520 interes $ 3,267,628.23
530515 comicion $ 424,060.18
11005 bancos $ 38,775,677.50

2105 obligacion financiera $ 36,883,674.53

530520 interes $ 1,669,766.02
530515 comicion $ 222,236.96
11005 bancos $ 38,775,677.50
 TABLA DE AMORTIZACION DE LA EMPRESA
cuota interes abono saldo
0 39,000,000.00
1 $ 3,599,017.33 $ 626,071.48 $ 2,972,945.85 36,027,054.15
2 $ 3,599,017.33 $ 578,346.44 $ 3,020,670.89 33,006,383.27
3 $ 3,599,017.33 $ 529,855.27 $ 3,069,162.06 29,937,221.20
4 $ 3,599,017.33 $ 480,585.65 $ 3,118,431.68 26,818,789.52
5 $ 3,599,017.33 $ 430,525.11 $ 3,168,492.22 23,650,297.31
6 $ 3,599,017.33 $ 379,660.94 $ 3,219,356.39 20,430,940.92
7 $ 3,599,017.33 $ 327,980.24 $ 3,271,037.09 17,159,903.83
8 $ 3,599,017.33 $ 275,469.91 $ 3,323,547.42 13,836,356.41
9 $ 3,599,017.33 $ 222,116.62 $ 3,376,900.71 10,459,455.70
10 $ 3,599,017.33 $ 167,906.85 $ 3,431,110.49 7,028,345.21
11 $ 3,599,017.33 $ 112,826.83 $ 3,486,190.50 3,542,154.71
12 $ 3,599,017.33 $ 56,862.62 $ 3,542,154.71 -
CUOTA INTERES ABONO SALDO
196000000
$ 38,775,677.50 $ 10,054,111.71 $ 28,721,565.80 $ 167,278,434.20
$ 38,775,677.50 $ 8,580,796.24 $ 30,194,881.26 $ 137,083,552.94
$ 38,775,677.50 $ 7,031,904.87 $ 31,743,772.63 $ 105,339,780.31
$ 38,775,677.50 $ 5,403,560.81 $ 33,372,116.70 $ 71,967,663.61
$ 38,775,677.50 $ 3,691,688.42 $ 35,083,989.09 $ 36,883,674.53
$ 38,775,677.50 $ 1,892,002.98 $ 36,883,674.53 $ 0.00
 costo amortizado REGISTROS CONTABLES
1 $ 146,071.48 1 2105 obligacion financiera
2 $ 135,774.65 530520 interes
3 $ 125,160.82 530515 comicion
4 $ 114,223.08 11005 bancos
5 $ 102,954.40
6 $ 91,347.59 2
7 $ 79,395.34 2105 obligacion financiera
8 $ 67,090.19 530520 interes
9 $ 54,424.55 530515 comicion
10 $ 41,390.68 11005 bancos
11 $ 27,980.68
12 $ 14,186.52 3
$ 0.00 2105 obligacion financiera
530520 interes
530515 comicion

11005 bancos
CORTO AMORTIZADO

$ 1,054,111.71
$ 920,701.73
$ 772,011.59
$ 606,877.82
$ 424,060.18
$ 222,236.96
 4
$ 2,972,945.85 2105 obligacion financiera $ 3,118,431.68
$ 480,000.00 530520 interes $ 366,362.57
$ 146,071.48 530515 comicion $ 114,223.08
$ 3,599,017.33 11005 bancos $ 3,599,017.33

5
$ 3,020,670.89 2105 obligacion financiera $ 3,168,492.22
$ 442,571.79 530520 interes $ 327,570.71
$ 135,774.65 530515 comicion $ 102,954.40
$ 3,599,017.33 11005 bancos $ 3,599,017.33

6
$ 3,069,162.06 2105 obligacion financiera $ 3,219,356.39
$ 404,694.45 530520 interes $ 288,313.35
$ 125,160.82 530515 comicion $ 91,347.59

$ 3,599,017.33 11005 bancos $ 3,599,017.33

 7 10
2105 obligacion financiera $ 3,271,037.09 2105 obligacion financiera
530520 interes $ 248,584.91 530520 interes
530515 comicion $ 79,395.34 530515 comicion
11005 bancos $ 3,599,017.33 11005 bancos

8 11
2105 obligacion financiera $ 3,323,547.42 2105 obligacion financiera
530520 interes $ 208,379.72 530520 interes
530515 comicion $ 67,090.19 530515 comicion
11005 bancos $ 3,599,017.33 11005 bancos

9 12
2105 obligacion financiera $ 3,376,900.71 2105 obligacion financiera
530520 interes $ 167,692.07 530520 interes
530515 comicion $ 54,424.55 530515 comicion

11005 bancos $ 3,599,017.33 11005 bancos

$ 3,431,110.49
$ 126,516.16
$ 41,390.68
$ 3,599,017.33

$ 3,486,190.50
$ 84,846.15
$ 27,980.68
$ 3,599,017.33

$ 3,542,154.71
$ 42,676.09
$ 14,186.52

$ 3,599,017.33
 0

TABADLA DE AMORTIZACIO DEL BANCO

$ 40,000,000.00 cuota interes
12 0
1.20% 1 $ 3,599,017.33 $ 480,000.00
$ 3,599,017.33 2 $ 3,599,017.33 $ 442,571.79
3 $ 3,599,017.33 $ 404,694.45
4 $ 3,599,017.33 $ 366,362.57
5 $ 3,599,017.33 $ 327,570.71
6 $ 3,599,017.33 $ 288,313.35
7 $ 3,599,017.33 $ 248,584.91
8 $ 3,599,017.33 $ 208,379.72
9 $ 3,599,017.33 $ 167,692.07
10 $ 3,599,017.33 $ 126,516.16
11 $ 3,599,017.33 $ 84,846.15
12 $ 3,599,017.33 $ 42,676.09
 TIR
abono saldo cuota
$ 40,000,000.00 0 -39000000 0
$ 3,119,017.33 $ 36,880,982.67 1 #NUM! 1
$ 3,156,445.54 $ 33,724,537.13 2 #NUM! 2
$ 3,194,322.89 $ 30,530,214.24 3 #NUM! 3
$ 3,232,654.76 $ 27,297,559.48 4 #NUM! 4
$ 3,271,446.62 $ 24,026,112.87 5 #NUM! 5
$ 3,310,703.98 $ 20,715,408.89 6 #NUM! 6
$ 3,350,432.42 $ 17,364,976.47 7 #NUM! 7
$ 3,390,637.61 $ 13,974,338.85 8 #NUM! 8
$ 3,431,325.26 $ 10,543,013.59 9 #NUM! 9
$ 3,472,501.17 $ 7,070,512.42 10 #NUM! 10
$ 3,514,171.18 $ 3,556,341.24 11 #NUM! 11
$ 3,556,341.24 $ - 12 #NUM! 12
TIR #NUM!
TABLA DE AMORTIZACION DE LA EMPRESA
cuota interes abono saldo
39,000,000.00
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502
$ 0.00 Err:502 Err:502 Err:502