442923617.

xls

PRESTAMO HIPOTECARIO :
13.6 Cantidad en millones (sin ceros)
0.87 Tipo de interés aplicable
216 Total mensualidades
1 Período de capitalización (trimestral=4 ; cuatrimestral=3 ;semestral=2; mensual=12 ;anual=
13,600,000 Total capital prestado ( incluyendo gastos)
0.87% Tipo de interés anual efectivo
120
144 Tiempo (meses) 10 años (120) 12 años (144)
180 Mensualidad 118,376 Pts 99,494 Pts
240
300
360 Total vencimiento 14,205,103 14,327,195
0.87% T.A.E. ( No incluye otros gastos)*
Fecha Mensualidad Amortiz. Interés Amortiz. Capital
Apr-03 68,044
May-03 68,044 9,860 58,184
Jun-03 68,044 9,818 58,227
Jul-03 68,044 9,776 58,269
Aug-03 68,044 9,733 58,311
Sep-03 68,044 9,691 58,353
Oct-03 68,044 9,649 58,396
Nov-03 68,044 9,606 58,438
Dec-03 68,044 9,564 58,480
Jan-04 68,044 9,522 58,523
Feb-04 68,044 9,479 58,565
Mar-04 68,044 9,437 58,608
Apr-04 68,044 9,394 58,650
May-04 68,044 9,352 58,693
Jun-04 68,044 9,309 58,735
Jul-04 68,044 9,267 58,778
Aug-04 68,044 9,224 58,820
Sep-04 68,044 9,181 58,863
Oct-04 68,044 9,139 58,906
Nov-04 68,044 9,096 58,948
Dec-04 68,044 9,053 58,991
Jan-05 68,044 9,010 59,034
Feb-05 68,044 8,968 59,077
Mar-05 68,044 8,925 59,119
Apr-05 68,044 8,882 59,162
May-05 68,044 8,839 59,205
Jun-05 68,044 8,796 59,248
Jul-05 68,044 8,753 59,291
Aug-05 68,044 8,710 59,334
Sep-05 68,044 8,667 59,377
Oct-05 68,044 8,624 59,420
Nov-05 68,044 8,581 59,463
Dec-05 68,044 8,538 59,506
Jan-06 68,044 8,495 59,550
Feb-06 68,044 8,452 59,593
Mar-06 68,044 8,408 59,636

Página 1
 442923617.xls

Apr-06 68,044 8,365 59,679

May-06 68,044 8,322 59,722
Jun-06 68,044 8,279 59,766
Jul-06 68,044 8,235 59,809
Aug-06 68,044 8,192 59,852
Sep-06 68,044 8,149 59,896
Oct-06 68,044 8,105 59,939
Nov-06 68,044 8,062 59,983
Dec-06 68,044 8,018 60,026
Jan-07 68,044 7,975 60,070
Feb-07 68,044 7,931 60,113
Mar-07 68,044 7,888 60,157
Apr-07 68,044 7,844 60,200
May-07 68,044 7,800 60,244
Jun-07 68,044 7,757 60,288
Jul-07 68,044 7,713 60,331
Aug-07 68,044 7,669 60,375
Sep-07 68,044 7,625 60,419
Oct-07 68,044 7,582 60,463
Nov-07 68,044 7,538 60,507
Dec-07 68,044 7,494 60,550
Jan-08 68,044 7,450 60,594
Feb-08 68,044 7,406 60,638
Mar-08 68,044 7,362 60,682
Apr-08 68,044 7,318 60,726
May-08 68,044 7,274 60,770
Jun-08 68,044 7,230 60,814
Jul-08 68,044 7,186 60,858
Aug-08 68,044 7,142 60,903
Sep-08 68,044 7,098 60,947
Oct-08 68,044 7,053 60,991
Nov-08 68,044 7,009 61,035
Dec-08 68,044 6,965 61,079
Jan-09 68,044 6,921 61,124
Feb-09 68,044 6,876 61,168
Mar-09 68,044 6,832 61,212
Apr-09 68,044 6,788 61,257
May-09 68,044 6,743 61,301
Jun-09 68,044 6,699 61,346
Jul-09 68,044 6,654 61,390
Aug-09 68,044 6,610 61,435
Sep-09 68,044 6,565 61,479
Oct-09 68,044 6,521 61,524
Nov-09 68,044 6,476 61,568
Dec-09 68,044 6,431 61,613
Jan-10 68,044 6,387 61,658
Feb-10 68,044 6,342 61,702
Mar-10 68,044 6,297 61,747
Apr-10 68,044 6,253 61,792
May-10 68,044 6,208 61,837
Jun-10 68,044 6,163 61,881
Jul-10 68,044 6,118 61,926
Aug-10 68,044 6,073 61,971

Página 2
 442923617.xls

Sep-10 68,044 6,028 62,016

Oct-10 68,044 5,983 62,061
Nov-10 68,044 5,938 62,106
Dec-10 68,044 5,893 62,151
Jan-11 68,044 5,848 62,196
Feb-11 68,044 5,803 62,241
Mar-11 68,044 5,758 62,286
Apr-11 68,044 5,713 62,331
May-11 68,044 5,668 62,377
Jun-11 68,044 5,622 62,422
Jul-11 68,044 5,577 62,467
Aug-11 68,044 5,532 62,512
Sep-11 68,044 5,487 62,558
Oct-11 68,044 5,441 62,603
Nov-11 68,044 5,396 62,649
Dec-11 68,044 5,350 62,694
Jan-12 68,044 5,305 62,739
Feb-12 68,044 5,259 62,785
Mar-12 68,044 5,214 62,830
Apr-12 68,044 5,168 62,876
May-12 68,044 5,123 62,922
Jun-12 68,044 5,077 62,967
Jul-12 68,044 5,032 63,013
Aug-12 68,044 4,986 63,058
Sep-12 68,044 4,940 63,104
Oct-12 68,044 4,894 63,150
Nov-12 68,044 4,849 63,196
Dec-12 68,044 4,803 63,242
Jan-13 68,044 4,757 63,287
Feb-13 68,044 4,711 63,333
Mar-13 68,044 4,665 63,379
Apr-13 68,044 4,619 63,425

8,165,323 Pts 873,234 Pts 7,292,089 Pts

(*) Normalmente se suelen incluir unos gastos de cancelación que oscilan entre el 2,5 % i el 4 %
ue suponen un margen comprendido entre las 11 pts/millón y las 510 pts millón respectivamente

Página 3
 442923617.xls

emestral=2; mensual=12 ;anual=1; etc.)

15 años(180) 20 años (240) 25 años (300)

80,620 Pts 61,760 Pts 50,458 Pts

14,511,618 14,822,412 15,137,482

Total Amortiz. Capital Pte. de amortizar

13,600,000
58,184 13,541,816
116,411 13,483,589
174,680 13,425,320
232,991 13,367,009
291,344 13,308,656
349,740 13,250,260
408,177 13,191,823
466,658 13,133,342
525,180 13,074,820
583,746 13,016,254
642,353 12,957,647
701,003 12,898,997
759,696 12,840,304
818,431 12,781,569
877,209 12,722,791
936,029 12,663,971
994,892 12,605,108
1,053,798 12,546,202
1,112,746 12,487,254
1,171,737 12,428,263
1,230,771 12,369,229
1,289,848 12,310,152
1,348,967 12,251,033
1,408,129 12,191,871
1,467,335 12,132,665
1,526,583 12,073,417
1,585,874 12,014,126
1,645,208 11,954,792
1,704,585 11,895,415
1,764,005 11,835,995
1,823,469 11,776,531
1,882,975 11,717,025
1,942,525 11,657,475
2,002,117 11,597,883
2,061,753 11,538,247

Página 4
 442923617.xls

2,121,432 11,478,568
2,181,155 11,418,845
2,240,920 11,359,080
2,300,729 11,299,271
2,360,582 11,239,418
2,420,478 11,179,522
2,480,417 11,119,583
2,540,399 11,059,601
2,600,426 10,999,574
2,660,495 10,939,505
2,720,608 10,879,392
2,780,765 10,819,235
2,840,966 10,759,034
2,901,210 10,698,790
2,961,497 10,638,503
3,021,829 10,578,171
3,082,204 10,517,796
3,142,623 10,457,377
3,203,086 10,396,914
3,263,592 10,336,408
3,324,143 10,275,857
3,384,737 10,215,263
3,445,376 10,154,624
3,506,058 10,093,942
3,566,784 10,033,216
3,627,554 9,972,446
3,688,369 9,911,631
3,749,227 9,850,773
3,810,130 9,789,870
3,871,076 9,728,924
3,932,067 9,667,933
3,993,102 9,606,898
4,054,182 9,545,818
4,115,305 9,484,695
4,176,473 9,423,527
4,237,686 9,362,314
4,298,942 9,301,058
4,360,243 9,239,757
4,421,589 9,178,411
4,482,979 9,117,021
4,544,413 9,055,587
4,605,892 8,994,108
4,667,416 8,932,584
4,728,984 8,871,016
4,790,597 8,809,403
4,852,255 8,747,745
4,913,957 8,686,043
4,975,704 8,624,296
5,037,496 8,562,504
5,099,332 8,500,668
5,161,214 8,438,786
5,223,140 8,376,860
5,285,111 8,314,889

Página 5
 442923617.xls

5,347,127 8,252,873
5,409,188 8,190,812
5,471,294 8,128,706
5,533,445 8,066,555
5,595,641 8,004,359
5,657,882 7,942,118
5,720,169 7,879,831
5,782,500 7,817,500
5,844,877 7,755,123
5,907,299 7,692,701
5,969,766 7,630,234
6,032,278 7,567,722
6,094,836 7,505,164
6,157,439 7,442,561
6,220,088 7,379,912
6,282,782 7,317,218
6,345,521 7,254,479
6,408,306 7,191,694
6,471,136 7,128,864
6,534,012 7,065,988
6,596,934 7,003,066
6,659,901 6,940,099
6,722,914 6,877,086
6,785,972 6,814,028
6,849,076 6,750,924
6,912,226 6,687,774
6,975,422 6,624,578
7,038,664 6,561,336
7,101,951 6,498,049
7,165,284 6,434,716
7,228,663 6,371,337
7,292,089 6,307,911

5 % i el 4 %

Página 6
 442923617.xls

30 años (360)
42,936 Pts

15,456,818

Capital Pagado
68,044
136,089
204,133
272,177
340,222
408,266
476,311
544,355
612,399
680,444
748,488
816,532
680,444
952,621
1,020,665
1,088,710
1,156,754
1,224,798
1,292,843
1,360,887
1,428,932
1,496,976
1,565,020
1,633,065
1,701,109
1,769,153
1,837,198
1,905,242
1,973,286
2,041,331
2,109,375
2,177,419
2,245,464
2,313,508
2,381,553
2,449,597

Página 7
 442923617.xls

2,517,641
2,585,686
2,653,730
2,721,774
2,789,819
2,857,863
2,925,907
2,993,952
3,061,996
3,130,040
3,198,085
3,266,129
3,334,174
3,402,218
3,470,262
3,538,307
3,606,351
3,674,395
3,742,440
3,810,484
3,878,528
3,946,573
4,014,617
4,082,661
4,150,706
4,218,750
4,286,795
4,354,839
4,422,883
4,490,928
4,558,972
4,627,016
4,695,061
4,763,105
4,831,149
4,899,194
4,967,238
5,035,283
5,103,327
5,171,371
5,239,416
5,307,460
5,375,504
5,443,549
5,511,593
5,579,637
5,647,682
2,993,952
5,783,770
5,851,815
5,919,859
5,987,904
6,055,948

Página 8
 442923617.xls

6,123,992
6,192,037
6,260,081
6,328,125
6,396,170
6,464,214
6,532,258
6,600,303
6,668,347
6,736,391
6,804,436
6,872,480
6,940,525
7,008,569
7,076,613
7,144,658
7,212,702
7,280,746
7,348,791
7,416,835
7,484,879
7,552,924
7,620,968
7,689,012
7,757,057
7,825,101
7,893,146
7,961,190
8,029,234
8,097,279
8,165,323

Página 9