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Amortizaciones
Profesor: Ing. E.Roberto Quispe O.
c14120@grupoutp.edu.pe
Amortizaciones
Amortizaciones
Amortizacin constante.
Amortizacin con pagos iguales.
Amortizacin con perodo de gracia normal.
Amortizacin con perodo de gracia total
Amortizacin constante
AMORTIZACION CONSTANTE (PAGOS DECRECIENTES)
Prstamo (principal) =
10,000 Soles
plazo=
5 aos
Tasa de inters =
12% TEA
Amortizacin =
2,000
AO
1
2
3
4
5
TOTAL
SALDO
INTERES
AMORTIZACION TOTAL PAGO
10,000
1200
2,000
3,200
8,000
960
2,000
2,960
6,000
720
2,000
2,720
4,000
480
2,000
2,480
2,000
240
2,000
2,240
3,600
10,000
13,600
Amortizacin con
pagos iguales
AMORTIZACION CON PAGOS IGUALES
Prstamo (principal) =
10,000 Soles
plazo=
5 aos
Tasa de inters =
12% TEA
Total Pago = R =
2,774.10
AO
1
2
3
4
5
TOTAL
SALDO
INTERES
AMORTIZACION TOTAL PAGO
10,000.00
1,200.00
1,574.10
2,774.10
8,425.90
1,011.11
1,762.99
2,774.10
6,662.91
799.55
1,974.55
2,774.10
4,688.36
562.60
2,211.50
2,774.10
2,476.86
297.22
2,476.88
2,774.10
3,870.48
10,000.02
13,870.50
Profesor: Ing. E.Roberto Quispe O.
c14120@grupoutp.edu.pe
SALDO
INTERES
AMORTIZACION TOTAL PAGO
10,000.00
1,200.00
0.00
1,200.00
10,000.00
1,200.00
2,092.34
3,292.34
7,907.66
948.92
2,343.42
3,292.34
5,564.24
667.71
2,624.63
3,292.34
2,939.61
352.75
2,939.61
3,292.34
4,369.38
10,000.00
14,369.36
PERIODO DE GRACIA NORMAL = SOLO SE PAGAN INTERESES, NO HAY AMORTIZACION DEL PRINCIPAL
Profesor: Ing. E.Roberto Quispe O.
c14120@grupoutp.edu.pe
SALDO
INTERES
AMORTIZACION TOTAL PAGO
10,000.00
0.00
0.00
0.00
11,200.00
1,344.00
2,343.43
3,687.43
8,856.57
1,062.79
2,624.64
3,687.43
6,231.93
747.83
2,939.60
3,687.43
3,292.33
395.08
3,292.35
3,687.43
3,549.70
11,200.02
14,749.72