# Finanzas

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• Publicado : 25 de agosto de 2012

Vista previa del texto
Si una persona adquiere un crédito de \$200,000.00 a pagarse en 5 años
a una tasa del 12% anual ¿Cuánto pagaría al mes?

DATOS:
VP= 200,000
i= 12% anual 1% mesual
n= 5 años 60 meses
A= ?
1
2
3
4
5

INTERESES SOBRE SALDOS INSOLUTOS
DATOS: FORMULA:C= 200000 a=c/n a= 3333.333333 I= INTERESES TOTALES
i= 1% mes= 0.01*365*30.41 0.009978082 C= CAPITAL
n= 60 meses I= (C+a)t n I= 61,000.00 a= ABONO O ANUALIDAD
2 t= TASA
Vf= C+I Vf= 261,000.00 n= tiempo

PERIODO SALDO ABONO INTERESES PAGO MENSUAL PAGO ACUMULADO
1 200,000.00 3,333.33 2,000.00 5,333.33 5,333.33
2 196,666.67 3,333.33 1,966.675,300.00 10,633.33
3 193,333.33 3,333.33 1,933.33 5,266.67 15,900.00
4 190,000.00 3,333.33 1,900.00 5,233.33 21,133.33
5 186,666.67 3,333.33 1,866.67 5,200.00 26,333.33
6 183,333.33 3,333.33 1,833.33 5,166.67 31,500.00
7 180,000.00 3,333.33 1,800.00 5,133.33 36,633.33
8 176,666.67 3,333.33 1,766.67 5,100.00 41,733.33
9 173,333.33 3,333.33 1,733.33 5,066.67 46,800.0010 170,000.00 3,333.33 1,700.00 5,033.33 51,833.33
11 166,666.67 3,333.33 1,666.67 5,000.00 56,833.33
12 163,333.33 3,333.33 1,633.33 4,966.66 61,800.00
13 160,000.00 3,333.33 1,600.00 4,933.33 66,733.33
14 156,666.67 3,333.33 1,566.67 4,900.00 71,633.32
15 153,333.34 3,333.33 1,533.33 4,866.66 76,499.99
16 150,000.01 3,333.33 1,500.00 4,833.33 81,333.32
17146,666.68 3,333.33 1,466.67 4,800.00 86,133.31
18 143,333.35 3,333.33 1,433.33 4,766.66 90,899.98
19 140,000.02 3,333.33 1,400.00 4,733.33 95,633.31
20 136,666.69 3,333.33 1,366.67 4,700.00 100,333.30
21 133,333.36 3,333.33 1,333.33 4,666.66 104,999.97
22 130,000.03 3,333.33 1,300.00 4,633.33 109,633.30
23 126,666.70 3,333.33 1,266.67 4,600.00 114,233.30
24123,333.37 3,333.33 1,233.33 4,566.66 118,799.96
25 120,000.04 3,333.33 1,200.00 4,533.33 123,333.29
26 116,666.71 3,333.33 1,166.67 4,500.00 127,833.29
27 113,333.38 3,333.33 1,133.33 4,466.66 132,299.95
28 110,000.05 3,333.33 1,100.00 4,433.33 136,733.28
29 106,666.72 3,333.33 1,066.67 4,400.00 141,133.28
30 103,333.39 3,333.33 1,033.33 4,366.66 145,499.94
31100,000.06 3,333.33 1,000.00 4,333.33 149,833.27
32 96,666.73 3,333.33 966.67 4,300.00 154,133.27
33 93,333.40 3,333.33 933.33 4,266.66 158,399.93
34 90,000.07 3,333.33 900.00 4,233.33 162,633.27
35 86,666.74 3,333.33 866.67 4,200.00 166,833.26
36 83,333.41 3,333.33 833.33 4,166.66 170,999.93
37 80,000.08 3,333.33 800.00 4,133.33 175,133.26
38 76,666.75 3,333.33 766.674,100.00 179,233.26
39 73,333.42 3,333.33 733.33 4,066.66 183,299.92
40 70,000.09 3,333.33 700.00 4,033.33 187,333.25
41 66,666.76 3,333.33 666.67 4,000.00 191,333.25
42 63,333.43 3,333.33 633.33 3,966.66 195,299.91
43 60,000.10 3,333.33 600.00 3,933.33 199,233.24
44 56,666.77 3,333.33 566.67 3,900.00 203,133.24
45 53,333.44 3,333.33 533.33 3,866.66 206,999.91
4650,000.11 3,333.33 500.00 3,833.33 210,833.24
47 46,666.78 3,333.33 466.67 3,800.00 214,633.23
48 43,333.45 3,333.33 433.33 3,766.66 218,399.90
49 40,000.12 3,333.33 400.00 3,733.33 222,133.23
50 36,666.79 3,333.33 366.67 3,700.00 225,833.23
51 33,333.46 3,333.33 333.33 3,666.66 229,499.89
52 30,000.13 3,333.33 300.00 3,633.33 233,133.22
53 26,666.80 3,333.33266.67 3,600.00 236,733.22
54 23,333.47 3,333.33 233.33 3,566.66 240,299.89
55 20,000.14 3,333.33 200.00 3,533.33 243,833.22
56 16,666.81 3,333.33 166.67 3,500.00 247,333.22
57 13,333.48 3,333.33 133.33 3,466.66 250,799.88
58 10,000.15 3,333.33 100.00 3,433.33 254,233.21
59 6,666.82 3,333.33 66.67 3,400.00 257,633.21
60 3,333.49 3,333.33 33.33 3,366.66 260,999.88