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SISTEMA GENERAL

Prstamo 1200 FRC = Factor de Recuperacin de capital


Tasa de inters 18%
Plazo en das 60 FRC = 0.24524436
N de cuotas 8
FECHA 5-Oct
Cuotas (R) = 294.29

FECHA PLAZO Cuota Inters Principal Saldo


0 5-Oct 1200
1 4-Dec 60 294.29 216 78.29 1121.71
2 2-Feb 60 294.29 201.91 92.38 1029.33
3 3-Apr 60 294.29 185.28 109.01 920.32
4 2-Jun 60 294.29 165.66 128.63 791.69
5 1-Aug 60 294.29 142.5 151.79 639.9
6 30-Sep 60 294.29 115.18 179.11 460.79
7 29-Nov 60 294.29 82.94 211.35 249.44
8 28-Jan 60 294.29 44.9 249.39 0.05
1154.37 1199.95
=SI(C14<$D$8;C14+1;"")
capital 3000
inetres 10%
FC 4 VAN= =-3000+(800/(1+0,1))+(700/(1+
-198.41540878

opcional 10% -198.41541 van 10% 198.415408784


7% 9.21300485 7% 9.2130048519
207.628413635

TIR 0.0713311768881627 0 COMPOBACION


1 800
0.0713311769 2 700
3 900
4 1200
C14<$D$8;C14+1;"")

000+(800/(1+0,1))+(700/(1+0,1))^2+(900/(1+0,1))^3+(1200/(1+0,1))^4 Van 2 =-3000+(800/(1+0,1))+(700/(1+0,1))^2+(90


9.21300485

13.8890786148
0.9213004852
14.8103791

-2999.7049
/(1+0,1))+(700/(1+0,1))^2+(900/(1+0,1))^3+(1200/(1+0,1))^4
SISTEMA DE TASA DIRECTA
Prstamo 10000
Inters 18%
N cuotas 10

Mes Saldo Inicial Inters Amortizacin Cuota Saldo Final


1 10000 1800 1000 2800 9000
2 9000 1800 1000 2800 8000
3 8000 1800 1000 2800 7000
4 7000 1800 1000 2800 6000
5 6000 1800 1000 2800 5000
6 5000 1800 1000 2800 4000
7 4000 1800 1000 2800 3000
8 3000 1800 1000 2800 2000
9 2000 1800 1000 2800 1000
10 1000 1800 1000 2800 0
18000 10000 28000
SISTEMA ALEMN
Prstamo 10000
Inters 15%
N cuotas 7

Mes Saldo Inicial Inters Amortizacin Cuota Saldo Final


1 10000 1500 1428.57 2928.57 8571.43
2 8571.43 1285.71 1428.57 2714.28 7142.86
3 7142.86 1071.43 1428.57 2500 5714.29
4 5714.29 857.14 1428.57 2285.71 4285.72
5 4285.72 642.86 1428.57 2071.43 2857.15
6 2857.15 428.57 1428.57 1857.14 1428.58
7 1428.58 214.29 1428.57 1642.86 0.01
6000 9999.99 15999.99
SISTEMA FRANCS
Prstamo 10000
Inters 11%
N cuotas 8

Mes Saldo Inicial Inters Amortizacin Cuota Saldo Final


1 10000 1100 843.21 1943.21 9156.79
2 9156.79 1007.25 935.96 1943.21 8220.83
3 8220.83 904.29 1038.92 1943.21 7181.91
4 7181.91 790.01 1153.2 1943.21 6028.71
5 6028.71 663.16 1280.05 1943.21 4748.66
6 4748.66 522.35 1420.86 1943.21 3327.8
7 3327.8 366.06 1577.15 1943.21 1750.65
8 1750.65 192.57 1750.64 1943.21 0.01
5545.69 9999.99 15545.68