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PRESTAMO =

Tasa Inters Efectiva Anual


Tasa Inters Efectiva Quincenal
Tasa Inters Efectiva Mensual
Periodos Quincenales
Factor de Recuperacin Capital FRC

Servicio deuda =

a) Completar el cuadro de servicio deuda considerando CINCO periodos de gra

b) Completar el cuadro considerando cuatro periodos de gracia total, y en el 10 y 12 periodo no


quedaban la 12 que no se cancelo se re

Quincenal
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

PRINCIPAL INICIO
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
57,099.36
54,171.63
51,216.55
48,233.87
45,223.32
42,184.66
42,578.70
39,382.02
36,125.34
32,807.53

17
18
19
20
21
22
23
24

29,427.45
25,983.92
22,475.77
18,901.77
15,260.68
11,551.26
7,772.21
3,922.24

TOTAL

PRESTAMO =
Tasa Inters Efectiva Anual
Tasa Inters Efectiva Quincenal
Tasa Inters Efectiva Trimestral
Periodos Quincenales
Periodos trimestales
Factor de Recuperacin Capital FRC

Servicio deuda =

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

PRINCIPAL INICIO
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
57,257.56
54,489.50
51,695.59
48,875.58
46,029.23
46,459.19
44,335.66
44,749.80
42,274.60
39,798.12
37,320.36
34,841.32
32,361.01

19
20
21
22
23
24
25
26
27
28
29
30

29,879.41
27,396.52
24,912.36
22,426.91
19,940.17
17,452.16
14,962.85
12,472.26
9,980.39
7,487.22
4,992.77
2,497.03

SERVICIO DEUDA CON CUOTAS CONSTANTES

(1+) ^/( (1+) ^ 1)

$60,000.00 Dlares
25.00%
0.009341
0.0187692651
19
12
0.0576849537
0.0938463256
Prstamo x FRC

I= (1+/)

(&(+1) ) 1=

3461.0972226304

iderando CINCO periodos de gracia parcial y en el 12 periodo no se cancela restructurando la deuda en 12 perio

tal, y en el 10 y 12 periodo no se cancela, restructurando la deuda de la siguiente manera: la 10 que no se c


an la 12 que no se cancelo se restrucuro en 18 periodos trimestrales, para disminuir su cuota.

AMORTIZACION
0.00
0.00
0.00
0.00
0.00
2,900.64
2,927.73
2,955.08
2,982.68
3,010.54
3,038.67
0.00
3,196.68
3,256.68
3,317.81
3,380.08

INTERES
560.46
560.46
560.46
560.46
560.46
560.46
533.37
506.02
478.41
450.55
422.43
394.05
799.17
739.17
678.05
615.77

SERVICIO DE DEUDA
560.46
560.46
560.46
560.46
560.46
3,461.10
3,461.10
3,461.10
3,461.10
3,461.10
3,461.10
0.00
3,995.85
3,995.85
3,995.85
3,995.85

3,443.52
3,508.16
3,574.00
3,641.08
3,709.42
3,779.05
3,849.98
3,922.24
60,394.05

552.33
487.70
421.85
354.77
286.43
216.81
145.88
73.62
11,519.14

3,995.85
3,995.85
3,995.85
3,995.85
3,995.85
3,995.85
3,995.85
3,995.85
71,519.14

(1+) ^/( (1+) ^ 1)

$60,000.00
25.00%
0.009341
0.0005166691
20
18
0.0550483286
0.0558286411

Prstamo x FRC

AMORTIZACION
0.00
0.00
0.00
0.00
2,742.44
2,768.06
2,793.91
2,820.01
2,846.35
0.00
2,123.53
0.00
2,475.20
2,476.48
2,477.76
2,479.04
2,480.32
2,481.60

INTERES
560.46
560.46
560.46
560.46
560.46
534.84
508.99
482.89
456.55
429.96
433.98
414.14
23.12
21.84
20.56
19.28
18.00
16.72

SERVICIO DE DEUDA
560.46
560.46
560.46
560.46
3,302.90
3,302.90
3,302.90
3,302.90
3,302.90
0.00
2,557.50
0.00
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32

2,482.88
2,484.17
2,485.45
2,486.73
2,488.02
2,489.30
2,490.59
2,491.88
2,493.16
2,494.45
2,495.74
2,497.03

15.44
14.15
12.87
11.59
10.30
9.02
7.73
6.44
5.16
3.87
2.58
1.29

2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32
2,498.32

I= (1+/) ^ - 1
(&(+1) ) 1=/

a deuda en 12 periodos mensuales ms.

: la 10 que no se cancelo se restructuro en los periodos que


ta.

PRINCIPAL FINAL
60,000.00
60,000.00
60,000.00
60,000.00
60,000.00
57,099.36
54,171.63
51,216.55
48,233.87
45,223.32
42,184.66
42,578.70
39,382.02
36,125.34
32,807.53
29,427.45

25,983.92
22,475.77
18,901.77
15,260.68
11,551.26
7,772.21
3,922.24
0.00

PRINCIPAL FINAL
60,000.00
60,000.00
60,000.00
60,000.00
57,257.56
54,489.50
51,695.59
48,875.58
46,029.23
46,459.19
44,335.66
44,749.80
42,274.60
39,798.12
37,320.36
34,841.32
32,361.01
29,879.41

27,396.52
24,912.36
22,426.91
19,940.17
17,452.16
14,962.85
12,472.26
9,980.39
7,487.22
4,992.77
2,497.03
0.00