EJERCICIOS DE AMORTIZACIN

1. Dentro de 4 meses existe el compromiso de liquidar la cantidad de

$5,000.00 Cunto se debe depositar cada mes en un instrumento
financiero que paga intereses a razn del 12% anual con periodos
de capitalizacin mensual?
Prstamo
S/. 5,000.00
Inters
12% anual capitalizado mensualmente
N
METODO FRANCES

1.00% efectivo mensual

8
meses

Amortizaci
Periodo

Pago
0
1
2
3
4
5
6
7
8

S/. 653.45
S/. 653.45
S/. 653.45
S/. 653.45
S/. 653.45
S/. 653.45
S/. 653.45
S/. 653.45

Inters

S/. 50.00
S/. 43.97
S/. 37.87
S/. 31.71
S/. 25.50
S/. 19.22
S/. 12.88
S/. 6.47

S/. 603.45
S/. 609.49
S/. 615.58
S/. 621.74
S/. 627.95
S/. 634.23
S/. 640.58
S/. 646.98

Cuota
S/. 5,000.00
S/. 4,396.55
S/. 3,787.06
S/. 3,171.48
S/. 2,549.75
S/. 1,921.79
S/. 1,287.56
S/. 646.98
S/. 0.00

METODO ALEMN
Amortizaci
Periodo

Pago
0
1
2
3
4
5
6
7
8

S/. 675.00
S/. 668.75
S/. 662.50
S/. 656.25
S/. 650.00
S/. 643.75
S/. 637.50
S/. 631.25

Inters
S/. 50.00
S/. 43.75
S/. 37.50
S/. 31.25
S/. 25.00
S/. 18.75
S/. 12.50
S/. 6.25

n
625
625
625
625
625
625
625
625

Cuota
S/. 5,000.00
S/. 4,375.00
S/. 3,750.00
S/. 3,125.00
S/. 2,500.00
S/. 1,875.00
S/. 1,250.00
S/. 625.00
S/. 0.00

2. Un prstamo de $ 4,000.00 se va a amortizar por medio de 8 pagos

mensuales iguales. Hallar el valor del pago mensual si la tasa de
inters es del 34% capitalizable mensualmente.
Prstamo S/. 4,000.00

Inters

34% Inters nominal anual

2.83%Inters efectivo mensual
8
meses

METODO FRANCES
Periodo

Pago
0
1
2
3
4
5
6
7
8

Inters

S/. 565.83 S/. 113.33

S/. 565.83 S/. 100.51
S/. 565.83 S/. 87.33
S/. 565.83 S/. 73.77
S/. 565.83 S/. 59.83
S/. 565.83 S/. 45.49
S/. 565.83 S/. 30.75
S/. 565.83 S/. 15.59

Amortizacin Cuota
S/. 4,000.00
S/. 452.49 S/. 3,547.51
S/. 465.31 S/. 3,082.19
S/. 478.50 S/. 2,603.70
S/. 492.05 S/. 2,111.64
S/. 506.00 S/. 1,605.64
S/. 520.33 S/. 1,085.31
S/. 535.08
S/. 550.24
S/. 550.24
S/. 0.00

METODO ALEMN
Amortizaci
Periodo

Pago
0
1
2
3
4
5
6
7
8

Inters

S/. 613.33 S/. 113.33

S/. 599.17 S/. 99.17
S/. 585.00 S/. 85.00
S/. 570.83 S/. 70.83
S/. 556.67 S/. 56.67
S/. 542.50 S/. 42.50
S/. 528.33 S/. 28.33
S/. 514.17 S/. 14.17

n
S/. 500.00
S/. 500.00
S/. 500.00
S/. 500.00
S/. 500.00
S/. 500.00
S/. 500.00
S/. 500.00

Cuota
S/. 4,000.00
S/. 3,500.00
S/. 3,000.00
S/. 2,500.00
S/. 2,000.00
S/. 1,500.00
S/. 1,000.00
S/. 500.00
S/. 0.00

3. Una pequea empresa acuerda con el Banco Medelln un prstamo

por $100 millones para ser cancelado en 20 cuotas trimestrales, con
cuotas de amortizacin de capital iguales. El banco aplica una tasa
de inters del 20% nominal anual. Elaborar la tabla de amortizacin
Prstamo
S/. 100,000,000.00
Inters
20% tasa nominal
5.00%tasa efectiva
N
20
trimestres
METODO FRANCES
Periodo

Pago

Inters

Amortizacin

Cuota

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72
S/. 8,024,258.72

S/. 5,000,000.00
S/. 4,848,787.06
S/. 4,690,013.48
S/. 4,523,301.22
S/. 4,348,253.34
S/. 4,164,453.08
S/. 3,971,462.79
S/. 3,768,823.00
S/. 3,556,051.21
S/. 3,332,640.84
S/. 3,098,059.94
S/. 2,851,750.00
S/. 2,593,124.57
S/. 2,321,567.86
S/. 2,036,433.32
S/. 1,737,042.05
S/. 1,422,681.21
S/. 1,092,602.34
S/. 746,019.52
S/. 382,107.56

S/. 3,024,258.72
S/. 3,175,471.66
S/. 3,334,245.24
S/. 3,500,957.50
S/. 3,676,005.37
S/. 3,859,805.64
S/. 4,052,795.93
S/. 4,255,435.72
S/. 4,468,207.51
S/. 4,691,617.88
S/. 4,926,198.78
S/. 5,172,508.72
S/. 5,431,134.15
S/. 5,702,690.86
S/. 5,987,825.40
S/. 6,287,216.67
S/. 6,601,577.51
S/. 6,931,656.38
S/. 7,278,239.20
S/. 7,642,151.16

S/. 100,000,000.00
S/. 96,975,741.28
S/. 93,800,269.63
S/. 90,466,024.39
S/. 86,965,066.89
S/. 83,289,061.51
S/. 79,429,255.87
S/. 75,376,459.94
S/. 71,121,024.22
S/. 66,652,816.72
S/. 61,961,198.83
S/. 57,035,000.05
S/. 51,862,491.34
S/. 46,431,357.19
S/. 40,728,666.33
S/. 34,740,840.92
S/. 28,453,624.25
S/. 21,852,046.74
S/. 14,920,390.36
S/. 7,642,151.16
S/. 0.00

METODO ALEMN
Period
o

Pago
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14

S/. 10,000,000.00
S/. 9,750,000.00
S/. 9,500,000.00
S/. 9,250,000.00
S/. 9,000,000.00
S/. 8,750,000.00
S/. 8,500,000.00
S/. 8,250,000.00
S/. 8,000,000.00
S/. 7,750,000.00
S/. 7,500,000.00
S/. 7,250,000.00
S/. 7,000,000.00
S/. 6,750,000.00

Inters
S/. 5,000,000.00
S/. 4,750,000.00
S/. 4,500,000.00
S/. 4,250,000.00
S/. 4,000,000.00
S/. 3,750,000.00
S/. 3,500,000.00
S/. 3,250,000.00
S/. 3,000,000.00
S/. 2,750,000.00
S/. 2,500,000.00
S/. 2,250,000.00
S/. 2,000,000.00
S/. 1,750,000.00

Amortizacin
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00
S/. 5,000,000.00

Cuota
S/. 100,000,000.00
S/. 95,000,000.00
S/. 90,000,000.00
S/. 85,000,000.00
S/. 80,000,000.00
S/. 75,000,000.00
S/. 70,000,000.00
S/. 65,000,000.00
S/. 60,000,000.00
S/. 55,000,000.00
S/. 50,000,000.00
S/. 45,000,000.00
S/. 40,000,000.00
S/. 35,000,000.00
S/. 30,000,000.00

15
16
17
18
19
20

S/. 6,500,000.00 S/. 1,500,000.00 S/. 5,000,000.00

S/. 6,250,000.00 S/. 1,250,000.00 S/. 5,000,000.00
S/. 6,000,000.00 S/. 1,000,000.00 S/. 5,000,000.00
S/. 5,750,000.00
S/. 750,000.00 S/. 5,000,000.00
S/. 5,500,000.00
S/. 500,000.00 S/. 5,000,000.00
S/. 5,250,000.00
S/. 250,000.00 S/. 5,000,000.00

S/. 25,000,000.00
S/. 20,000,000.00
S/. 15,000,000.00
S/. 10,000,000.00
S/. 5,000,000.00
S/. 0.00

4. Jorge recibe un prstamo del Banco Santander por $5.000.000 el

cual debe ser cancelado en 3 aos en cuotas variables semestrales
con una tasa de inters del 5% semestral, e incrementos de
$250.000 en cada una de las cuotas; con base en la informacin
anterior determinar el valor de la primera cuota.

Prstamo S/. 5, 000,000.00

Inters
5%
N
6
semestres
G
S/. 250,000.00
Tabla de amortizacin con gradiente aritmtico

Period
o
0
1
2
3
4
5
6

Pago

Inters

Amortizacin

$
395,611.38
$
645,611.38
$
895,611.38
$ 1,145,611.38
$ 1,395,611.38
$ 1,645,611.38

$
$
$
$
$
$

$
$
$
$
$
$

250,000.00
242,719.43
222,574.83
188,923.01
141,088.59
78,362.45

145,611.38
402,891.95
673,036.55
956,688.38
1,254,522.80
1,567,248.94

Cuota
$ 5,000,000.00
$ 4,854,388.62
$ 4,451,496.66
$ 3,778,460.11
$ 2,821,771.73
$ 1,567,248.94
$
-

5. Elaborar la tabla de amortizacin de un crdito de 100000 en 4

pagos, suponiendo una tasa efectiva del 8% y un crecimiento
geomtrico de la cuota del 10%.
Prstamo S/. 100,000.00
Inters
8%
N
4
j
10%
Tabla de amortizacin con gradiente geomtrico
Period
o

Pago
0
1 26261.467

Inters

Amortizacin Cuota
S/. 100,000.00
S/. 8,000.00 S/. 18,261.47 S/. 81,738.53

2 28887.614
3 31776.375
4 34954.013

S/. 6,539.08
S/. 4,751.20
S/. 2,589.19

S/. 22,348.53
S/. 27,025.18
S/. 32,364.83

S/. 59,390.00
S/. 32,364.83
S/. 0.00