AMORTIZACIONES Y

CRONOGRAMA DE PAGOS
MATEMÁTICA FINANCIERA

Docente: Mg. Nilo Javier Loayza León

nloayza@unitru.edu.pe
RESULTADOS DE APRENDIZAJE

Al término de la sesión, como resultado del aprendizaje,

el estudiante analiza las ventajas y desventajas de las
amortizaciones de capital y elabora cronograma de pagos
en sus distintas modalidades, aplicando el conocimiento
adquirido mediante el desarrollo de casos prácticos
alineados a la coyuntura actual local, nacional e
internacional.
PRESENTACIÓN

https://www.youtube.com/watch?v=to2
akanKUTA
AMORTIZACIONES

La amortización es el proceso financiero mediante el cual una deuda u

obligación y los intereses que generan, se extinguen progresivamente por
medio de pagos periódicos o servicios parciales, que pueden iniciarse
conjuntamente con la percepción del stock de efectivo recibido (flujos
anticipados), al vencimiento de cada período de pago (flujos vencidos), o
después de cierto plazo pactado originalmente (flujos diferidos).

La parte de la deuda no cubierta en una fecha dada se conoce como saldo

insoluto o capital insoluto en la fecha. “El capital insoluto justamente
después de realizarse pagos, es el valor presente de todos los pagos que
aún faltan hacer”.

De cada pago, cuota o servicio, una parte se aplica a cubrir el interés

generado por la deuda y el resto a disminuir el saldo insoluto. “Se infiere
que si el pago parcial efectuado es tan pequeño que no puede cubrir ni
siquiera el interés generado por el saldo insoluto, entonces la diferencia no
cubierta es capitalizada”.
AMORTIZACIONES

En un financiamiento, a partir del día siguiente al vencimiento de cada cuota, si ésta no hubiese sido
amortizada completamente, la parte no amortizada entrará en mora generando diariamente un interés de
mora (interés vencido), independientemente del interés compensatorio (interés del capital) que genera el
saldo insoluto.

Cuando un préstamo está en mora, cada pago, hasta donde alcance, debe aplicarse para cancelar la deuda en
el siguiente orden: 1ro Interés de mora; 2do Interés compensatorio, y 3ro Principal vencido.

Si quedase algún remanente, la diferencia será aplicada para cubrir:

(1) Intereses no vencidos pero devengados hasta la fecha del pago y
(2) Principal por vencer.

Los problemas de amortización involucran:

✓ El importe de los pagos periódicos que pueden ser uniformes o irregulares.
✓ El número de pagos cuyos plazos pueden ser uniformes o irregulares.
✓ La tasa de interés que puede ser fija, variable o implícita.
✓ La formulación de las tablas de amortización conocidas también como cuadros de servicio de la deuda o de
reembolsos de préstamos.
CRONOGRAMA DE PAGOS CON
AMORTIZACIÓN FIJA
(MÉTODO ALEMÁN)

Lucía es fotógrafa de profesión y desea comprar una cámara fotográfica de última generación para su trabajo,
solicita un financiamiento de US$ 9,000 para completar su compra; la entidad financiera le cobra una TEA del
25% a 18 meses con amortizaciones constantes (cuotas decrecientes). Se solicita elaborar su cronograma de
pagos:
GRÁFICO DE AMORTIZACIÓN FIJA, CUOTAS E INTERES
DECRECIENTES
$800
$668.92 $659.54 $650.15
$700 $640.77 $631.38 $622.00
$612.62 $603.23 $593.85
$584.46 $575.08 $565.69
$556.31 $546.92 $537.54
$600 $528.15 $518.77 $509.38

$500
AMORTIZACIÓN
$400
$500
$300
$168.92 $159.54 $150.15
$200 $140.77 $131.38 $122.00
$112.62 $103.23 $93.85 $84.46 $75.08 $65.69 $56.31
$100 $46.92 $37.54 $28.15 $18.77 $9.38
$0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
Periodos: Meses

AMORTIZACIÓN INTERÉS CUOTA

CRONOGRAMA DE PAGOS CON
AMORTIZACIÓN FIJA
(MÉTODO ALEMÁN)
PERIODO SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
1 $9,000.00 $500.00 $168.92 $668.92 $8,500.00
2 $8,500.00 $500.00 $159.54 $659.54 $8,000.00
3 $8,000.00 $500.00 $150.15 $650.15 $7,500.00
4 $7,500.00 $500.00 $140.77 $640.77 $7,000.00
5 $7,000.00 $500.00 $131.38 $631.38 $6,500.00
6 $6,500.00 $500.00 $122.00 $622.00 $6,000.00
7 $6,000.00 $500.00 $112.62 $612.62 $5,500.00
8 $5,500.00 $500.00 $103.23 $603.23 $5,000.00
9 $5,000.00 $500.00 $93.85 $593.85 $4,500.00
10 $4,500.00 $500.00 $84.46 $584.46 $4,000.00
11 $4,000.00 $500.00 $75.08 $575.08 $3,500.00
12 $3,500.00 $500.00 $65.69 $565.69 $3,000.00
13 $3,000.00 $500.00 $56.31 $556.31 $2,500.00
14 $2,500.00 $500.00 $46.92 $546.92 $2,000.00
15 $2,000.00 $500.00 $37.54 $537.54 $1,500.00
16 $1,500.00 $500.00 $28.15 $528.15 $1,000.00
17 $1,000.00 $500.00 $18.77 $518.77 $500.00
18 $500.00 $500.00 $9.38 $509.38 $0.00
$9,000.00 $1,604.77 $10,604.77
CRONOGRAMA DE PAGOS CON
AMORTIZACIÓN FINAL
(MÉTODO INGLÉS)

Una entidad financiera concede un préstamo para la adquisición de un terreno de playa para el Club Terrazas
de Miraflores cuyo valor es de US$ 1’800,000; las condiciones fueron las siguientes: Cuota inicial exigida de
20%, pagos semestrales al estilo Inglés, una TEA del 9.00% y un plazo de 4 años. ¿Cuál será el cuadro de
amortizaciones del crédito?

GRÁFICO DE CUOTAS VARIABLES, AMORTIZACIÓN FINAL E

INTERES CONSTANTE
$1,600,000 $1,503,404.14 $1,600,000
$1,400,000 $1,440,000 $1,400,000
$1,200,000 $1,200,000
$1,000,000 $1,000,000
$800,000 $800,000
$600,000 $600,000
$400,000 $400,000
$200,000 $63,404.14 $200,000
$0 $0
1 2 3 4 5 6 7 8
Periodos: Semestres
AMORTIZACIÓN INTERÉS CUOTA
CRONOGRAMA DE PAGOS CON
AMORTIZACIÓN FINAL
(MÉTODO INGLÉS)

PERIODO SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL

1 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
2 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
3 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
4 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
5 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
6 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
7 $1,440,000.00 $63,404.14 $63,404.14 $1,440,000.00
8 $1,440,000.00 $1,440,000.00 $63,404.14 $1,503,404.14 $0.00
S/. 1,440,000.00 S/. 507,233.10 S/. 1,947,233.10
 CRONOGRAMA DE PAGOS CON
AMORTIZACIÓN CRECIENTE
(MÉTODO FRANCÉS)

Jorge solicitó un préstamo de S/ 8,500 para la compra de un televisor para su casa; la entidad financiera le
cobró una TEA del 45% y lo piensa cancelar en 12 cuotas fijas mensuales. Se solicita elaborar su cronograma de
pagos:

GRÁFICO DE AMORTIZACIÓN CRECIENTE E INTERES

DECRECIENTE
CUOTA
S/. 1,000
S/. 861.33
S/. 900
S/. 800
S/. 700
S/. 600
S/. 500
S/. 400
S/. 300
S/. 200
S/. 100
S/. 0
1 2 3 4 5 6 7 8 9 10 11 12
Periodos: Meses
AMORTIZACIÓN INTERÉS CUOTA
CRONOGRAMA DE PAGOS CON
AMORTIZACIÓN CRECIENTE
(MÉTODO FRANCÉS)

PERIODO SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL

1 S/. 8,500.00 S/. 594.02 S/. 267.31 S/. 861.33 S/. 7,905.98
2 S/. 7,905.98 S/. 612.70 S/. 248.63 S/. 861.33 S/. 7,293.28
3 S/. 7,293.28 S/. 631.97 S/. 229.36 S/. 861.33 S/. 6,661.32
4 S/. 6,661.32 S/. 651.84 S/. 209.49 S/. 861.33 S/. 6,009.48
5 S/. 6,009.48 S/. 672.34 S/. 188.99 S/. 861.33 S/. 5,337.14
6 S/. 5,337.14 S/. 693.48 S/. 167.84 S/. 861.33 S/. 4,643.65
7 S/. 4,643.65 S/. 715.29 S/. 146.03 S/. 861.33 S/. 3,928.36
8 S/. 3,928.36 S/. 737.79 S/. 123.54 S/. 861.33 S/. 3,190.58
9 S/. 3,190.58 S/. 760.99 S/. 100.34 S/. 861.33 S/. 2,429.59
10 S/. 2,429.59 S/. 784.92 S/. 76.41 S/. 861.33 S/. 1,644.67
11 S/. 1,644.67 S/. 809.60 S/. 51.72 S/. 861.33 S/. 835.06
12 S/. 835.06 S/. 835.06 S/. 26.26 S/. 861.33 S/. 0.00
S/. 8,500.00 S/. 1,835.91 S/. 10,335.91
CRONOGRAMA DE PAGOS CON
PERIODO DE GRACIA PARCIAL
(CUOTAS FIJAS DIFERIDAS)

Rodrigo ha comprado una Tablet para sus estudios universitarios, debido que los libros son digitales, tiene
prácticas virtuales y la mayor parte de cursos que lleva este ciclo son virtuales. Para ello solicitó un préstamo
de S/. 8,500 a una TEA del 45% para cancelarlo en los próximos 12 meses, pero en los 03 primeros meses sólo
cancelará intereses. Se solicita elaborar su cronograma de pagos:

GRÁFICO DE CUOTAS FIJAS CON PERIODO DE GRACIA PARCIAL,

AMORTIZACIÓN CRECIENTE E INTERES DECRECIENTE
S/. 1,200 CUOTA; S/. 1,099.07
S/. 1,000
S/. 800
S/. 600
CUOTA
S/. 400
S/. 267.31
S/. 200 INTERÉS
S/. 267.31
S/. 0
1 2 3 4 5 6 7 8 9 10 11 12
Periodos: Meses

AMORTIZACIÓN INTERÉS CUOTA

CRONOGRAMA DE PAGOS CON
PERIODO DE GRACIA PARCIAL
(CUOTAS FIJAS DIFERIDAS)

PERIODO SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL

1 S/. 8,500.00 S/. 267.31 S/. 267.31 S/. 8,500.00
2 S/. 8,500.00 S/. 267.31 S/. 267.31 S/. 8,500.00
3 S/. 8,500.00 S/. 267.31 S/. 267.31 S/. 8,500.00
4 S/. 8,500.00 S/. 831.76 S/. 267.31 S/. 1,099.07 S/. 7,668.24
5 S/. 7,668.24 S/. 857.92 S/. 241.15 S/. 1,099.07 S/. 6,810.31
6 S/. 6,810.31 S/. 884.90 S/. 214.17 S/. 1,099.07 S/. 5,925.41
7 S/. 5,925.41 S/. 912.73 S/. 186.34 S/. 1,099.07 S/. 5,012.68
8 S/. 5,012.68 S/. 941.43 S/. 157.64 S/. 1,099.07 S/. 4,071.25
9 S/. 4,071.25 S/. 971.04 S/. 128.03 S/. 1,099.07 S/. 3,100.21
10 S/. 3,100.21 S/. 1,001.58 S/. 97.50 S/. 1,099.07 S/. 2,098.64
11 S/. 2,098.64 S/. 1,033.07 S/. 66.00 S/. 1,099.07 S/. 1,065.56
12 S/. 1,065.56 S/. 1,065.56 S/. 33.51 S/. 1,099.07 S/. 0.00
S/. 8,500.00 S/. 2,193.57 S/. 10,693.57
CRONOGRAMA DE PAGOS CON
PERIODO DE GRACIA TOTAL
(CUOTAS FIJAS DIFERIDAS)

Karla desea darle una sorpresa a su esposo; y ha comprado una bicicleta doble para que vayan de paseo los
fines de semana a la playa; ella lo financió por S/. 15,000 para cancelarlo en un plazo de año y medio, pero con
la condición de no pagar absolutamente nada durante los primeros 04 meses; la entidad le está cobrando una
TEA del 33%. Se solicita elaborar su cronograma de pagos:

GRÁFICO DE CUOTAS FIJAS CON PERIODO DE GRACIA TOTAL,

AMORTIZACIÓN CRECIENTE E INTERES DECRECIENTE
CUOTA
S/. 1,600 S/. 1,401.73
S/. 1,400
S/. 1,200
S/. 1,000
S/. 800
S/. 600
S/. 400
S/. 200
S/. 0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
Periodos: Meses

AMORTIZACIÓN INTERÉS CUOTA

CRONOGRAMA DE PAGOS CON
PERIODO DE GRACIA TOTAL
(CUOTAS FIJAS DIFERIDAS)
PERIODO SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
1 S/. 15,000.00 S/. 360.74 S/. 15,360.74
2 S/. 15,360.74 S/. 369.42 S/. 15,730.16
3 S/. 15,730.16 S/. 378.30 S/. 16,108.47
4 S/. 16,108.47 S/. 387.40 S/. 16,495.87
5 S/. 16,495.87 S/. 1,005.01 S/. 396.72 S/. 1,401.73 S/. 15,490.86
6 S/. 15,490.86 S/. 1,029.18 S/. 372.55 S/. 1,401.73 S/. 14,461.68
7 S/. 14,461.68 S/. 1,053.93 S/. 347.80 S/. 1,401.73 S/. 13,407.75
8 S/. 13,407.75 S/. 1,079.28 S/. 322.45 S/. 1,401.73 S/. 12,328.47
9 S/. 12,328.47 S/. 1,105.23 S/. 296.49 S/. 1,401.73 S/. 11,223.24
10 S/. 11,223.24 S/. 1,131.81 S/. 269.91 S/. 1,401.73 S/. 10,091.43
11 S/. 10,091.43 S/. 1,159.03 S/. 242.69 S/. 1,401.73 S/. 8,932.40
12 S/. 8,932.40 S/. 1,186.91 S/. 214.82 S/. 1,401.73 S/. 7,745.49
13 S/. 7,745.49 S/. 1,215.45 S/. 186.28 S/. 1,401.73 S/. 6,530.04
14 S/. 6,530.04 S/. 1,244.68 S/. 157.04 S/. 1,401.73 S/. 5,285.36
15 S/. 5,285.36 S/. 1,274.62 S/. 127.11 S/. 1,401.73 S/. 4,010.74
16 S/. 4,010.74 S/. 1,305.27 S/. 96.46 S/. 1,401.73 S/. 2,705.47
17 S/. 2,705.47 S/. 1,336.66 S/. 65.07 S/. 1,401.73 S/. 1,368.81
18 S/. 1,368.81 S/. 1,368.81 S/. 32.92 S/. 1,401.73 S/. 0.00
S/. 16,495.87 S/. 4,624.17 S/. 19,624.17
CRONOGRAMA DE PAGOS CON
CUOTAS FIJAS Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)

Laura estudia Administración en una prestigiosa Universidad de la ciudad y trabaja Part Time en una empresa
de comidas rápidas, para complementar su formación profesional ha comprado una laptop en el mes de Julio
2022; obteniendo un préstamo de S/. 5,000 a una TEA del 27%; una de las condiciones del financiamiento
fueron 18 cuotas fijas mensuales y cuotas dobles para los meses de Julio y Diciembre. Se solicita elaborar su
cronograma de pagos:
GRÁFICO DE CUOTAS FIJAS (ORDINARIA Y DOBLE), AMORTIZACIÓN
CRECIENTE E INTERES DECRECIENTE
S/. 700 CUOTA DOBLE
S/. 600 S/. 575.31
S/. 500
S/. 400 CUOTA_ORDINARIA
S/. 300 S/. 287.66
S/. 200
S/. 100
S/. 0

Periodos: Meses
AMORTIZACIÓN INTERÉS CUOTA
CRONOGRAMA DE PAGOS CON
CUOTAS FIJAS Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
1 Ago-22 S/. 5,000.00 S/. 187.07 S/. 100.59 S/. 287.66 S/. 4,812.93
2 Set-22 S/. 4,812.93 S/. 190.83 S/. 96.83 S/. 287.66 S/. 4,622.10
3 Oct-22 S/. 4,622.10 S/. 194.67 S/. 92.99 S/. 287.66 S/. 4,427.43
4 Nov-22 S/. 4,427.43 S/. 198.59 S/. 89.07 S/. 287.66 S/. 4,228.85
5 Dic-22 S/. 4,228.85 S/. 490.24 S/. 85.07 S/. 575.31 S/. 3,738.61
6 Ene-23 S/. 3,738.61 S/. 212.44 S/. 75.21 S/. 287.66 S/. 3,526.17
7 Feb-23 S/. 3,526.17 S/. 216.72 S/. 70.94 S/. 287.66 S/. 3,309.45
8 Mar-23 S/. 3,309.45 S/. 221.08 S/. 66.58 S/. 287.66 S/. 3,088.37
9 Abr-23 S/. 3,088.37 S/. 225.52 S/. 62.13 S/. 287.66 S/. 2,862.85
10 May-23 S/. 2,862.85 S/. 230.06 S/. 57.59 S/. 287.66 S/. 2,632.79
11 Jun-23 S/. 2,632.79 S/. 234.69 S/. 52.97 S/. 287.66 S/. 2,398.10
12 Jul-23 S/. 2,398.10 S/. 527.07 S/. 48.24 S/. 575.31 S/. 1,871.03
13 Ago-23 S/. 1,871.03 S/. 250.01 S/. 37.64 S/. 287.66 S/. 1,621.02
14 Set-23 S/. 1,621.02 S/. 255.04 S/. 32.61 S/. 287.66 S/. 1,365.97
15 Oct-23 S/. 1,365.97 S/. 260.18 S/. 27.48 S/. 287.66 S/. 1,105.80
16 Nov-23 S/. 1,105.80 S/. 265.41 S/. 22.25 S/. 287.66 S/. 840.39
17 Dic-23 S/. 840.39 S/. 558.40 S/. 16.91 S/. 575.31 S/. 281.98
18 Ene-24 S/. 281.98 S/. 281.98 S/. 5.67 S/. 287.66 S/. 0.00
S/. 5,000.00 S/. 1,040.77 S/. 6,040.77
CRONOGRAMA DE PAGOS CON
CUOTAS FIJAS Y CUOTAS COMODÍN
(CUOTAS MÚLTIPLES)

Una pareja de esposos, durante el mes de Oct-17 solicitaron un préstamo vehicular por US$ 10,500 para ser
cancelado en 05 años, bajo la modalidad de cuotas fijas mensuales y cuotas “cero” (cuota comodín) para los
meses de Abril (por pago de escolaridad de sus hijos) y Julio (para sus vacaciones familiares de fiestas patrias);
la entidad financiera le otorgó a una TEA del 18%. Se solicita elaborar su cronograma de pagos:
GRÁFICO DE CUOTAS FIJAS Y CUOTAS COMODÍN, AMORTIZACIÓN
CRECIENTE E INTERES DECRECIENTES
CUOTA
$350 $309.98
$300
$250
$200
$150
$100
$50
$0
Jul-18

Jul-19

Jul-20

Jul-21

Jul-22
Mar-18

Mar-19

Mar-20

Mar-21

Mar-22
Ene-18

Set-18

Ene-19

Set-19

Ene-20

Set-20

Ene-21

Set-21

Ene-22

Set-22
May-18

May-19

May-20

May-21

May-22
Nov-17

Nov-18

Nov-19

Nov-20

Nov-21
Periodos: Meses
AMORTIZACIÓN INTERÉS CUOTA
CRONOGRAMA DE PAGOS CON
CUOTAS FIJAS Y CUOTAS COMODÍN
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
1 Nov-17 $10,500.00 $164.15 $145.83 $309.98 $10,335.85
2 Dic-17 $10,335.85 $166.43 $143.55 $309.98 $10,169.42
3 Ene-18 $10,169.42 $168.74 $141.24 $309.98 $10,000.68
4 Feb-18 $10,000.68 $171.09 $138.89 $309.98 $9,829.59
5 Mar-18 $9,829.59 $173.46 $136.52 $309.98 $9,656.13
6 Abr-18 $9,656.13 $134.11 $0.00 $9,790.24
7 May-18 $9,790.24 $174.01 $135.97 $309.98 $9,616.23
8 Jun-18 $9,616.23 $176.43 $133.55 $309.98 $9,439.80
9 Jul-18 $9,439.80 $131.10 $0.00 $9,570.91
10 Ago-18 $9,570.91 $177.05 $132.92 $309.98 $9,393.85
11 Set-18 $9,393.85 $179.51 $130.47 $309.98 $9,214.34
12 Oct-18 $9,214.34 $182.01 $127.97 $309.98 $9,032.33
13 Nov-18 $9,032.33 $184.53 $125.44 $309.98 $8,847.80
14 Dic-18 $8,847.80 $187.10 $122.88 $309.98 $8,660.70
15 Ene-19 $8,660.70 $189.70 $120.28 $309.98 $8,471.00
16 Feb-19 $8,471.00 $192.33 $117.65 $309.98 $8,278.67
17 Mar-19 $8,278.67 $195.00 $114.98 $309.98 $8,083.67
18 Abr-19 $8,083.67 $112.27 $0.00 $8,195.94
19 May-19 $8,195.94 $196.15 $113.83 $309.98 $7,999.79
20 Jun-19 $7,999.79 $198.87 $111.10 $309.98 $7,800.92
21 Jul-19 $7,800.92 $108.34 $0.00 $7,909.26
CRONOGRAMA DE PAGOS CON
CUOTAS FIJAS Y CUOTAS COMODÍN
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
22 Ago-19 $7,909.26 $200.13 $109.85 $309.98 $7,709.13
23 Set-19 $7,709.13 $202.91 $107.07 $309.98 $7,506.22
24 Oct-19 $7,506.22 $205.73 $104.25 $309.98 $7,300.49
25 Nov-19 $7,300.49 $208.59 $101.39 $309.98 $7,091.90
26 Dic-19 $7,091.90 $211.48 $98.50 $309.98 $6,880.41
27 Ene-20 $6,880.41 $214.42 $95.56 $309.98 $6,665.99
28 Feb-20 $6,665.99 $217.40 $92.58 $309.98 $6,448.59
29 Mar-20 $6,448.59 $220.42 $89.56 $309.98 $6,228.17
30 Abr-20 $6,228.17 $86.50 $0.00 $6,314.67
31 May-20 $6,314.67 $222.28 $87.70 $309.98 $6,092.40
32 Jun-20 $6,092.40 $225.37 $84.61 $309.98 $5,867.03
33 Jul-20 $5,867.03 $81.48 $0.00 $5,948.51
34 Ago-20 $5,948.51 $227.36 $82.62 $309.98 $5,721.15
35 Set-20 $5,721.15 $230.52 $79.46 $309.98 $5,490.63
36 Oct-20 $5,490.63 $233.72 $76.26 $309.98 $5,256.91
37 Nov-20 $5,256.91 $236.97 $73.01 $309.98 $5,019.94
38 Dic-20 $5,019.94 $240.26 $69.72 $309.98 $4,779.68
39 Ene-21 $4,779.68 $243.60 $66.38 $309.98 $4,536.08
40 Feb-21 $4,536.08 $246.98 $63.00 $309.98 $4,289.10
41 Mar-21 $4,289.10 $250.41 $59.57 $309.98 $4,038.69
42 Abr-21 $4,038.69 $56.09 $0.00 $4,094.78
CRONOGRAMA DE PAGOS CON
CUOTAS FIJAS Y CUOTAS COMODÍN
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
43 May-21 $4,094.78 $253.11 $56.87 $309.98 $3,841.67
44 Jun-21 $3,841.67 $256.62 $53.35 $309.98 $3,585.04
45 Jul-21 $3,585.04 $49.79 $0.00 $3,634.83
46 Ago-21 $3,634.83 $259.50 $50.48 $309.98 $3,375.34
47 Set-21 $3,375.34 $263.10 $46.88 $309.98 $3,112.24
48 Oct-21 $3,112.24 $266.76 $43.22 $309.98 $2,845.48
49 Nov-21 $2,845.48 $270.46 $39.52 $309.98 $2,575.02
50 Dic-21 $2,575.02 $274.22 $35.76 $309.98 $2,300.80
51 Ene-22 $2,300.80 $278.02 $31.95 $309.98 $2,022.78
52 Feb-22 $2,022.78 $281.89 $28.09 $309.98 $1,740.89
53 Mar-22 $1,740.89 $285.80 $24.18 $309.98 $1,455.09
54 Abr-22 $1,455.09 $20.21 $0.00 $1,475.30
55 May-22 $1,475.30 $289.49 $20.49 $309.98 $1,185.81
56 Jun-22 $1,185.81 $293.51 $16.47 $309.98 $892.30
57 Jul-22 $892.30 $12.39 $0.00 $904.69
58 Ago-22 $904.69 $297.41 $12.56 $309.98 $607.28
59 Set-22 $607.28 $301.55 $8.43 $309.98 $305.73
60 Oct-22 $305.73 $305.73 $4.25 $309.98 $0.00
$11,292.29 $4,998.97 $15,498.97
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)

Una familia ha comprado una casa por US$ 250,000 en Mar-17, financiado por una entidad financiera a 20
años con una TEA del 7% en moneda extranjera, bajo las siguientes condiciones: Aporte Inicial del 10%,
Periodo de gracia total de 03 meses (producto de las remodelaciones y mudanza), Cuotas Comodín para los
meses Abril (por escolaridad) y Agosto (por otros gastos), Cuotas Dobles para los meses de Julio y Diciembre
(por gratificación). Se solicita elaborar su cronograma de pagos:

GRÁFICO DE CUOTAS MÚLTIPLES, AMORTIZACIÓN CRECIENTE E

INTERES DECRECIENTES
$4,000
$3,500
$3,000
$2,500
$2,000
$1,500
$1,000
$500
$0

Ago-22

Dic-29
Dic-17
Ago-18

Dic-19
Ago-20

Dic-21

Dic-23
Ago-24

Dic-25
Ago-26

Dic-27
Ago-28

Ago-30

Dic-31
Ago-32

Dic-33
Ago-34

Dic-35
Ago-36
Abr-17

Abr-19

Abr-21

Abr-23

Abr-25

Abr-27

Abr-29

Abr-31

Abr-33

Abr-35
Periodos: Meses
AMORTIZACIÓN INTERÉS CUOTA
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
1 Abr-17 $225,000.00 $1,272.18 $0.00 $226,272.18
2 May-17 $226,272.18 $1,279.38 $0.00 $227,551.56
3 Jun-17 $227,551.56 $1,286.61 $0.00 $228,838.17
4 Jul-17 $228,838.17 $2,201.26 $1,293.88 $3,495.14 $226,636.91
5 Ago-17 $226,636.91 $1,281.44 $0.00 $227,918.35
6 Set-17 $227,918.35 $458.89 $1,288.68 $1,747.57 $227,459.46
7 Oct-17 $227,459.46 $461.48 $1,286.09 $1,747.57 $226,997.98
8 Nov-17 $226,997.98 $464.09 $1,283.48 $1,747.57 $226,533.89
9 Dic-17 $226,533.89 $2,214.28 $1,280.86 $3,495.14 $224,319.61
10 Ene-18 $224,319.61 $479.23 $1,268.34 $1,747.57 $223,840.37
11 Feb-18 $223,840.37 $481.94 $1,265.63 $1,747.57 $223,358.43
12 Mar-18 $223,358.43 $484.67 $1,262.90 $1,747.57 $222,873.76
13 Abr-18 $222,873.76 $1,260.16 $0.00 $224,133.92
14 May-18 $224,133.92 $480.28 $1,267.29 $1,747.57 $223,653.64
15 Jun-18 $223,653.64 $483.00 $1,264.57 $1,747.57 $223,170.64
16 Jul-18 $223,170.64 $2,233.30 $1,261.84 $3,495.14 $220,937.34
17 Ago-18 $220,937.34 $1,249.21 $0.00 $222,186.55
18 Set-18 $222,186.55 $491.29 $1,256.28 $1,747.57 $221,695.25
19 Oct-18 $221,695.25 $494.07 $1,253.50 $1,747.57 $221,201.18
20 Nov-18 $221,201.18 $496.87 $1,250.70 $1,747.57 $220,704.32
21 Dic-18 $220,704.32 $2,247.25 $1,247.89 $3,495.14 $218,457.07
22 Ene-19 $218,457.07 $512.38 $1,235.19 $1,747.57 $217,944.69
23 Feb-19 $217,944.69 $515.28 $1,232.29 $1,747.57 $217,429.41
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
24 Mar-19 $217,429.41 $518.19 $1,229.38 $1,747.57 $216,911.22
25 Abr-19 $216,911.22 $1,226.45 $0.00 $218,137.66
26 May-19 $218,137.66 $514.19 $1,233.38 $1,747.57 $217,623.48
27 Jun-19 $217,623.48 $517.10 $1,230.47 $1,747.57 $217,106.38
28 Jul-19 $217,106.38 $2,267.59 $1,227.55 $3,495.14 $214,838.79
29 Ago-19 $214,838.79 $1,214.73 $0.00 $216,053.52
30 Set-19 $216,053.52 $525.97 $1,221.60 $1,747.57 $215,527.55
31 Oct-19 $215,527.55 $528.95 $1,218.62 $1,747.57 $214,998.60
32 Nov-19 $214,998.60 $531.94 $1,215.63 $1,747.57 $214,466.67
33 Dic-19 $214,466.67 $2,282.51 $1,212.63 $3,495.14 $212,184.15
34 Ene-20 $212,184.15 $547.85 $1,199.72 $1,747.57 $211,636.30
35 Feb-20 $211,636.30 $550.95 $1,196.62 $1,747.57 $211,085.36
36 Mar-20 $211,085.36 $554.06 $1,193.51 $1,747.57 $210,531.29
37 Abr-20 $210,531.29 $1,190.37 $0.00 $211,721.67
38 May-20 $211,721.67 $550.46 $1,197.11 $1,747.57 $211,171.20
39 Jun-20 $211,171.20 $553.58 $1,193.99 $1,747.57 $210,617.63
40 Jul-20 $210,617.63 $2,304.28 $1,190.86 $3,495.14 $208,313.35
41 Ago-20 $208,313.35 $1,177.83 $0.00 $209,491.18
42 Set-20 $209,491.18 $563.08 $1,184.49 $1,747.57 $208,928.11
43 Oct-20 $208,928.11 $566.26 $1,181.31 $1,747.57 $208,361.85
44 Nov-20 $208,361.85 $569.46 $1,178.11 $1,747.57 $207,792.38
45 Dic-20 $207,792.38 $2,320.25 $1,174.89 $3,495.14 $205,472.13
46 Ene-21 $205,472.13 $585.80 $1,161.77 $1,747.57 $204,886.33
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
47 Feb-21 $204,886.33 $589.11 $1,158.46 $1,747.57 $204,297.22
48 Mar-21 $204,297.22 $592.44 $1,155.13 $1,747.57 $203,704.78
49 Abr-21 $203,704.78 $1,151.78 $0.00 $204,856.55
50 May-21 $204,856.55 $589.28 $1,158.29 $1,747.57 $204,267.27
51 Jun-21 $204,267.27 $592.61 $1,154.96 $1,747.57 $203,674.66
52 Jul-21 $203,674.66 $2,343.53 $1,151.61 $3,495.14 $201,331.12
53 Ago-21 $201,331.12 $1,138.36 $0.00 $202,469.48
54 Set-21 $202,469.48 $602.78 $1,144.79 $1,747.57 $201,866.70
55 Oct-21 $201,866.70 $606.19 $1,141.38 $1,747.57 $201,260.51
56 Nov-21 $201,260.51 $609.61 $1,137.96 $1,747.57 $200,650.90
57 Dic-21 $200,650.90 $2,360.63 $1,134.51 $3,495.14 $198,290.27
58 Ene-22 $198,290.27 $626.41 $1,121.16 $1,747.57 $197,663.86
59 Feb-22 $197,663.86 $629.95 $1,117.62 $1,747.57 $197,033.91
60 Mar-22 $197,033.91 $633.51 $1,114.06 $1,747.57 $196,400.40
61 Abr-22 $196,400.40 $1,110.48 $0.00 $197,510.88
62 May-22 $197,510.88 $630.81 $1,116.76 $1,747.57 $196,880.06
63 Jun-22 $196,880.06 $634.38 $1,113.19 $1,747.57 $196,245.68
64 Jul-22 $196,245.68 $2,385.54 $1,109.60 $3,495.14 $193,860.14
65 Ago-22 $193,860.14 $1,096.11 $0.00 $194,956.26
66 Set-22 $194,956.26 $645.26 $1,102.31 $1,747.57 $194,311.00
67 Oct-22 $194,311.00 $648.91 $1,098.66 $1,747.57 $193,662.09
68 Nov-22 $193,662.09 $652.58 $1,094.99 $1,747.57 $193,009.51
69 Dic-22 $193,009.51 $2,403.84 $1,091.30 $3,495.14 $190,605.68
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
70 Ene-23 $190,605.68 $669.86 $1,077.71 $1,747.57 $189,935.82
71 Feb-23 $189,935.82 $673.65 $1,073.92 $1,747.57 $189,262.17
72 Mar-23 $189,262.17 $677.45 $1,070.12 $1,747.57 $188,584.72
73 Abr-23 $188,584.72 $1,066.29 $0.00 $189,651.01
74 May-23 $189,651.01 $675.26 $1,072.31 $1,747.57 $188,975.75
75 Jun-23 $188,975.75 $679.07 $1,068.50 $1,747.57 $188,296.68
76 Jul-23 $188,296.68 $2,430.48 $1,064.66 $3,495.14 $185,866.19
77 Ago-23 $185,866.19 $1,050.91 $0.00 $186,917.11
78 Set-23 $186,917.11 $690.71 $1,056.86 $1,747.57 $186,226.40
79 Oct-23 $186,226.40 $694.62 $1,052.95 $1,747.57 $185,531.78
80 Nov-23 $185,531.78 $698.55 $1,049.02 $1,747.57 $184,833.23
81 Dic-23 $184,833.23 $2,450.07 $1,045.07 $3,495.14 $182,383.16
82 Ene-24 $182,383.16 $716.35 $1,031.22 $1,747.57 $181,666.81
83 Feb-24 $181,666.81 $720.40 $1,027.17 $1,747.57 $180,946.42
84 Mar-24 $180,946.42 $724.47 $1,023.10 $1,747.57 $180,221.94
85 Abr-24 $180,221.94 $1,019.00 $0.00 $181,240.94
86 May-24 $181,240.94 $722.81 $1,024.76 $1,747.57 $180,518.14
87 Jun-24 $180,518.14 $726.89 $1,020.68 $1,747.57 $179,791.24
88 Jul-24 $179,791.24 $2,478.57 $1,016.57 $3,495.14 $177,312.67
89 Ago-24 $177,312.67 $1,002.55 $0.00 $178,315.22
90 Set-24 $178,315.22 $739.35 $1,008.22 $1,747.57 $177,575.87
91 Oct-24 $177,575.87 $743.53 $1,004.04 $1,747.57 $176,832.34
92 Nov-24 $176,832.34 $747.73 $999.84 $1,747.57 $176,084.61
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
93 Dic-24 $176,084.61 $2,499.53 $995.61 $3,495.14 $173,585.07
94 Ene-25 $173,585.07 $766.09 $981.48 $1,747.57 $172,818.98
95 Feb-25 $172,818.98 $770.43 $977.14 $1,747.57 $172,048.55
96 Mar-25 $172,048.55 $774.78 $972.79 $1,747.57 $171,273.77
97 Abr-25 $171,273.77 $968.41 $0.00 $172,242.18
98 May-25 $172,242.18 $773.69 $973.88 $1,747.57 $171,468.49
99 Jun-25 $171,468.49 $778.06 $969.51 $1,747.57 $170,690.43
100 Jul-25 $170,690.43 $2,530.03 $965.11 $3,495.14 $168,160.40
101 Ago-25 $168,160.40 $950.80 $0.00 $169,111.20
102 Set-25 $169,111.20 $791.39 $956.18 $1,747.57 $168,319.81
103 Oct-25 $168,319.81 $795.87 $951.70 $1,747.57 $167,523.94
104 Nov-25 $167,523.94 $800.37 $947.20 $1,747.57 $166,723.58
105 Dic-25 $166,723.58 $2,552.46 $942.68 $3,495.14 $164,171.12
106 Ene-26 $164,171.12 $819.32 $928.25 $1,747.57 $163,351.80
107 Feb-26 $163,351.80 $823.96 $923.61 $1,747.57 $162,527.84
108 Mar-26 $162,527.84 $828.61 $918.96 $1,747.57 $161,699.23
109 Abr-26 $161,699.23 $914.27 $0.00 $162,613.50
110 May-26 $162,613.50 $828.13 $919.44 $1,747.57 $161,785.37
111 Jun-26 $161,785.37 $832.81 $914.76 $1,747.57 $160,952.56
112 Jul-26 $160,952.56 $2,585.09 $910.05 $3,495.14 $158,367.46
113 Ago-26 $158,367.46 $895.43 $0.00 $159,262.90
114 Set-26 $159,262.90 $847.07 $900.50 $1,747.57 $158,415.82
115 Oct-26 $158,415.82 $851.86 $895.71 $1,747.57 $157,563.96
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
116 Nov-26 $157,563.96 $856.68 $890.89 $1,747.57 $156,707.28
117 Dic-26 $156,707.28 $2,609.09 $886.05 $3,495.14 $154,098.18
118 Ene-27 $154,098.18 $876.28 $871.29 $1,747.57 $153,221.91
119 Feb-27 $153,221.91 $881.23 $866.34 $1,747.57 $152,340.68
120 Mar-27 $152,340.68 $886.21 $861.36 $1,747.57 $151,454.46
121 Abr-27 $151,454.46 $856.35 $0.00 $152,310.81
122 May-27 $152,310.81 $886.38 $861.19 $1,747.57 $151,424.43
123 Jun-27 $151,424.43 $891.39 $856.18 $1,747.57 $150,533.03
124 Jul-27 $150,533.03 $2,644.00 $851.14 $3,495.14 $147,889.03
125 Ago-27 $147,889.03 $836.19 $0.00 $148,725.21
126 Set-27 $148,725.21 $906.66 $840.91 $1,747.57 $147,818.56
127 Oct-27 $147,818.56 $911.78 $835.79 $1,747.57 $146,906.78
128 Nov-27 $146,906.78 $916.94 $830.63 $1,747.57 $145,989.84
129 Dic-27 $145,989.84 $2,669.69 $825.45 $3,495.14 $143,320.15
130 Ene-28 $143,320.15 $937.22 $810.35 $1,747.57 $142,382.93
131 Feb-28 $142,382.93 $942.52 $805.05 $1,747.57 $141,440.41
132 Mar-28 $141,440.41 $947.85 $799.72 $1,747.57 $140,492.57
133 Abr-28 $140,492.57 $794.37 $0.00 $141,286.93
134 May-28 $141,286.93 $948.71 $798.86 $1,747.57 $140,338.22
135 Jun-28 $140,338.22 $954.08 $793.49 $1,747.57 $139,384.14
136 Jul-28 $139,384.14 $2,707.04 $788.10 $3,495.14 $136,677.10
137 Ago-28 $136,677.10 $772.79 $0.00 $137,449.89
138 Set-28 $137,449.89 $970.41 $777.16 $1,747.57 $136,479.49
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
139 Oct-28 $136,479.49 $975.90 $771.67 $1,747.57 $135,503.59
140 Nov-28 $135,503.59 $981.41 $766.16 $1,747.57 $134,522.18
141 Dic-28 $134,522.18 $2,734.53 $760.61 $3,495.14 $131,787.65
142 Ene-29 $131,787.65 $1,002.42 $745.15 $1,747.57 $130,785.22
143 Feb-29 $130,785.22 $1,008.09 $739.48 $1,747.57 $129,777.13
144 Mar-29 $129,777.13 $1,013.79 $733.78 $1,747.57 $128,763.34
145 Abr-29 $128,763.34 $728.05 $0.00 $129,491.39
146 May-29 $129,491.39 $1,015.41 $732.16 $1,747.57 $128,475.98
147 Jun-29 $128,475.98 $1,021.15 $726.42 $1,747.57 $127,454.83
148 Jul-29 $127,454.83 $2,774.49 $720.65 $3,495.14 $124,680.34
149 Ago-29 $124,680.34 $704.96 $0.00 $125,385.30
150 Set-29 $125,385.30 $1,038.62 $708.95 $1,747.57 $124,346.68
151 Oct-29 $124,346.68 $1,044.50 $703.07 $1,747.57 $123,302.18
152 Nov-29 $123,302.18 $1,050.40 $697.17 $1,747.57 $122,251.78
153 Dic-29 $122,251.78 $2,803.91 $691.23 $3,495.14 $119,447.87
154 Ene-30 $119,447.87 $1,072.19 $675.38 $1,747.57 $118,375.67
155 Feb-30 $118,375.67 $1,078.26 $669.31 $1,747.57 $117,297.42
156 Mar-30 $117,297.42 $1,084.35 $663.22 $1,747.57 $116,213.06
157 Abr-30 $116,213.06 $657.09 $0.00 $116,870.15
158 May-30 $116,870.15 $1,086.77 $660.80 $1,747.57 $115,783.38
159 Jun-30 $115,783.38 $1,092.91 $654.66 $1,747.57 $114,690.47
160 Jul-30 $114,690.47 $2,846.66 $648.48 $3,495.14 $111,843.80
161 Ago-30 $111,843.80 $632.38 $0.00 $112,476.19
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
162 Set-30 $112,476.19 $1,111.61 $635.96 $1,747.57 $111,364.57
163 Oct-30 $111,364.57 $1,117.90 $629.67 $1,747.57 $110,246.67
164 Nov-30 $110,246.67 $1,124.22 $623.35 $1,747.57 $109,122.45
165 Dic-30 $109,122.45 $2,878.15 $616.99 $3,495.14 $106,244.31
166 Ene-31 $106,244.31 $1,146.85 $600.72 $1,747.57 $105,097.46
167 Feb-31 $105,097.46 $1,153.33 $594.24 $1,747.57 $103,944.13
168 Mar-31 $103,944.13 $1,159.85 $587.72 $1,747.57 $102,784.27
169 Abr-31 $102,784.27 $581.16 $0.00 $103,365.43
170 May-31 $103,365.43 $1,163.13 $584.44 $1,747.57 $102,202.30
171 Jun-31 $102,202.30 $1,169.70 $577.87 $1,747.57 $101,032.60
172 Jul-31 $101,032.60 $2,923.89 $571.25 $3,495.14 $98,108.71
173 Ago-31 $98,108.71 $554.72 $0.00 $98,663.43
174 Set-31 $98,663.43 $1,189.71 $557.86 $1,747.57 $97,473.72
175 Oct-31 $97,473.72 $1,196.44 $551.13 $1,747.57 $96,277.28
176 Nov-31 $96,277.28 $1,203.20 $544.37 $1,747.57 $95,074.08
177 Dic-31 $95,074.08 $2,957.58 $537.56 $3,495.14 $92,116.50
178 Ene-32 $92,116.50 $1,226.73 $520.84 $1,747.57 $90,889.77
179 Feb-32 $90,889.77 $1,233.67 $513.90 $1,747.57 $89,656.10
180 Mar-32 $89,656.10 $1,240.64 $506.93 $1,747.57 $88,415.46
181 Abr-32 $88,415.46 $499.91 $0.00 $88,915.38
182 May-32 $88,915.38 $1,244.83 $502.74 $1,747.57 $87,670.55
183 Jun-32 $87,670.55 $1,251.87 $495.70 $1,747.57 $86,418.68
184 Jul-32 $86,418.68 $3,006.52 $488.62 $3,495.14 $83,412.16
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
185 Ago-32 $83,412.16 $471.62 $0.00 $83,883.79
186 Set-32 $83,883.79 $1,273.28 $474.29 $1,747.57 $82,610.51
187 Oct-32 $82,610.51 $1,280.48 $467.09 $1,747.57 $81,330.03
188 Nov-32 $81,330.03 $1,287.72 $459.85 $1,747.57 $80,042.31
189 Dic-32 $80,042.31 $3,042.57 $452.57 $3,495.14 $76,999.74
190 Ene-33 $76,999.74 $1,312.20 $435.37 $1,747.57 $75,687.54
191 Feb-33 $75,687.54 $1,319.62 $427.95 $1,747.57 $74,367.92
192 Mar-33 $74,367.92 $1,327.08 $420.49 $1,747.57 $73,040.84
193 Abr-33 $73,040.84 $412.98 $0.00 $73,453.82
194 May-33 $73,453.82 $1,332.25 $415.32 $1,747.57 $72,121.57
195 Jun-33 $72,121.57 $1,339.78 $407.79 $1,747.57 $70,781.78
196 Jul-33 $70,781.78 $3,094.93 $400.21 $3,495.14 $67,686.85
197 Ago-33 $67,686.85 $382.71 $0.00 $68,069.57
198 Set-33 $68,069.57 $1,362.69 $384.88 $1,747.57 $66,706.87
199 Oct-33 $66,706.87 $1,370.40 $377.17 $1,747.57 $65,336.47
200 Nov-33 $65,336.47 $1,378.15 $369.42 $1,747.57 $63,958.32
201 Dic-33 $63,958.32 $3,133.51 $361.63 $3,495.14 $60,824.81
202 Ene-34 $60,824.81 $1,403.66 $343.91 $1,747.57 $59,421.16
203 Feb-34 $59,421.16 $1,411.59 $335.98 $1,747.57 $58,009.56
204 Mar-34 $58,009.56 $1,419.58 $327.99 $1,747.57 $56,589.99
205 Abr-34 $56,589.99 $319.97 $0.00 $56,909.95
206 May-34 $56,909.95 $1,425.79 $321.78 $1,747.57 $55,484.16
207 Jun-34 $55,484.16 $1,433.85 $313.72 $1,747.57 $54,050.31
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
208 Jul-34 $54,050.31 $3,189.53 $305.61 $3,495.14 $50,860.77
209 Ago-34 $50,860.77 $287.57 $0.00 $51,148.35
210 Set-34 $51,148.35 $1,458.37 $289.20 $1,747.57 $49,689.98
211 Oct-34 $49,689.98 $1,466.62 $280.95 $1,747.57 $48,223.36
212 Nov-34 $48,223.36 $1,474.91 $272.66 $1,747.57 $46,748.46
213 Dic-34 $46,748.46 $3,230.82 $264.32 $3,495.14 $43,517.64
214 Ene-35 $43,517.64 $1,501.51 $246.06 $1,747.57 $42,016.12
215 Feb-35 $42,016.12 $1,510.00 $237.57 $1,747.57 $40,506.12
216 Mar-35 $40,506.12 $1,518.54 $229.03 $1,747.57 $38,987.58
217 Abr-35 $38,987.58 $220.44 $0.00 $39,208.02
218 May-35 $39,208.02 $1,525.88 $221.69 $1,747.57 $37,682.14
219 Jun-35 $37,682.14 $1,534.51 $213.06 $1,747.57 $36,147.63
220 Jul-35 $36,147.63 $3,290.76 $204.38 $3,495.14 $32,856.87
221 Ago-35 $32,856.87 $185.78 $0.00 $33,042.65
222 Set-35 $33,042.65 $1,560.74 $186.83 $1,747.57 $31,481.91
223 Oct-35 $31,481.91 $1,569.57 $178.00 $1,747.57 $29,912.34
224 Nov-35 $29,912.34 $1,578.44 $169.13 $1,747.57 $28,333.90
225 Dic-35 $28,333.90 $3,334.94 $160.20 $3,495.14 $24,998.96
226 Ene-36 $24,998.96 $1,606.22 $141.35 $1,747.57 $23,392.74
227 Feb-36 $23,392.74 $1,615.30 $132.27 $1,747.57 $21,777.44
228 Mar-36 $21,777.44 $1,624.44 $123.13 $1,747.57 $20,153.00
229 Abr-36 $20,153.00 $113.95 $0.00 $20,266.95
230 May-36 $20,266.95 $1,632.98 $114.59 $1,747.57 $18,633.97
CRONOGRAMA DE PAGOS CON CUOTAS FIJAS,
CUOTAS COMODÍN Y CUOTAS DOBLES
(CUOTAS MÚLTIPLES)
PERIODO FECHAS SALDO INICIAL AMORTIZACIÓN INTERÉS CUOTA SALDO FINAL
231 Jun-36 $18,633.97 $1,642.21 $105.36 $1,747.57 $16,991.76
232 Jul-36 $16,991.76 $3,399.07 $96.07 $3,495.14 $13,592.69
233 Ago-36 $13,592.69 $76.86 $0.00 $13,669.55
234 Set-36 $13,669.55 $1,670.28 $77.29 $1,747.57 $11,999.27
235 Oct-36 $11,999.27 $1,679.72 $67.85 $1,747.57 $10,319.54
236 Nov-36 $10,319.54 $1,689.22 $58.35 $1,747.57 $8,630.32
237 Dic-36 $8,630.32 $3,446.34 $48.80 $3,495.14 $5,183.98
238 Ene-37 $5,183.98 $1,718.26 $29.31 $1,747.57 $3,465.72
239 Feb-37 $3,465.72 $1,727.97 $19.60 $1,747.57 $1,737.74
240 Mar-37 $1,737.74 $1,737.74 $9.83 $1,747.57 $0.00
$259,892.59 $190,921.65 $415,921.65
BIBLIOGRAFÍA

✓ Aliaga Valdez, Carlos (1994): “MANUAL DE MATEMÁTICA FINANCIERA:

Texto, problemas y casos”, 2da Edición. Universidad del Pacífico, Lima-Perú
(Cap. 13: Fondo de amortización, Pág. 384-399).

✓ Ayres Jr. Frank (1997): “MATEMÁTICA FINANCIERA”, 1ª Edición, Editorial

McGraw Hill, México. (Capitulo 11: Amortización y Fondos de Amortización, Pág.
95-105).

✓ Ortíz Ramirez, Miky G. (2014): “MATEMÁTICA FINANCIERA”, 1ª Edición,

Editorial MACRO EIRL, Lima-Perú. (Capítulo 2: Anualidades y su Tabulación:
Cronogramas de Pagos; Pág. 263-280).
FRASE CÉLEBRE

“Pensar es difícil, por eso la mayoría de la gente

prefiere juzgar”

Carl Gustav Jung