METODO DEL COSTO AMORTIZA

BONO:
COSTOS TRANSACCION:

900
50

CONTADOR A LA CRIOLLITA
Periodo
0
1
2
3
4
5

TIR

Importe en
libros inicio
900.00
900.00
900.00
900.00
900.00

7.505%

Inters
40.00
40.00
40.00
40.00
240.00
400.00

Capital ms
Inters
940.00
940.00
940.00
940.00
1,140.00

Valor
recibido
(900.00)
40.00
40.00
40.00
40.00
1,100.00

CONTA
Importe en
libros final

Periodo

800.00
900.00
900.00
900.00
900.00
40.00

0
1
2
3
4
5

TIR

Importe en
libros inicio
950.00
976.11
1,004.03
1,033.89
1,065.83

6.958%
REGISTRO
Banco
Inversiones LP

ORTIZADO
INTERES ANUAL:
RESCATE:

40
1100

CONTADOR NIIF
Inters
66.11
67.92
69.86
71.94
74.17
350.00

nes LP
Int Ganado

Capital ms
Inters
1,016.11
1,044.03
1,073.89
1,105.83
1,140.00

Valor
recibido
(950.00)
40.00
40.00
40.00
40.00
1,140.00

40.00
26.11
66.11

Importe en
libros final
976.11
1,004.03
1,033.89
1,065.83
-

Calculadora de prstamos
Escriba los valores
Importe del prstamo
Inters anual
Perodo del prstamo en aos
Nmero de pagos anuales
Fecha inicial del prstamo
Pagos extra opcionales

Resumen del prstamo

Pago programado
Nmero de pagos programados
Nmero real de pagos
Total de adelantos
Inters total

$ 200,000.00
4.00 %
3
1
6/1/2010
$-

$ 72,069.71
3
3
$$ 16,209.12

Entidad financiera:

Pago N

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53

Fecha del
pago

Saldo inicial

06/01/11
$ 200,000.00
06/01/12 135930.2921579
06/01/13 69297.79600205
06/01/14
0
06/01/15
0
06/01/16
0
06/01/17
0
06/01/18
0
06/01/19
0
06/01/20
0
06/01/21
0
06/01/22
0
06/01/23
0
06/01/24
0
06/01/25
0
06/01/26
0
06/01/27
0
06/01/28
0
06/01/29
0
06/01/30
0
06/01/31
0
06/01/32
0
06/01/33
0
06/01/34
0
06/01/35
0
06/01/36
0
06/01/37
0
06/01/38
0
06/01/39
0
06/01/40
0
06/01/41
0
06/01/42
0
06/01/43
0
06/01/44
0
06/01/45
0
06/01/46
0
06/01/47
0
06/01/48
0
06/01/49
0
06/01/50
0
06/01/51
0
06/01/52
0
06/01/53
0
06/01/54
0
06/01/55
0
06/01/56
0
06/01/57
0
06/01/58
0
06/01/59
0
06/01/60
0
06/01/61
0
06/01/62
0
06/01/63
0

Pago
programado

$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71

Pago extra
-

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Pago total

Capital

Intereses

72069.7078421 64069.7078421
8000
72069.7078421 66632.4961558 5437.211686315
69297.7960021 66525.884162 2771.911840082
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

54
55
56
57
58
59
60
61
62
63
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72
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103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123

06/01/64
06/01/65
06/01/66
06/01/67
06/01/68
06/01/69
06/01/70
06/01/71
06/01/72
06/01/73
06/01/74
06/01/75
06/01/76
06/01/77
06/01/78
06/01/79
06/01/80
06/01/81
06/01/82
06/01/83
06/01/84
06/01/85
06/01/86
06/01/87
06/01/88
06/01/89
06/01/90
06/01/91
06/01/92
06/01/93
06/01/94
06/01/95
06/01/96
06/01/97
06/01/98
06/01/99
06/01/00
06/01/01
06/01/02
06/01/03
06/01/04
06/01/05
06/01/06
06/01/07
06/01/08
06/01/09
06/01/10
06/01/11
06/01/12
06/01/13
06/01/14
06/01/15
06/01/16
06/01/17
06/01/18
06/01/19
06/01/20
06/01/21
06/01/22
06/01/23
06/01/24
06/01/25
06/01/26
06/01/27
06/01/28
06/01/29
06/01/30
06/01/31
06/01/32
06/01/33

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

124
125
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192
193

06/01/34
06/01/35
06/01/36
06/01/37
06/01/38
06/01/39
06/01/40
06/01/41
06/01/42
06/01/43
06/01/44
06/01/45
06/01/46
06/01/47
06/01/48
06/01/49
06/01/50
06/01/51
06/01/52
06/01/53
06/01/54
06/01/55
06/01/56
06/01/57
06/01/58
06/01/59
06/01/60
06/01/61
06/01/62
06/01/63
06/01/64
06/01/65
06/01/66
06/01/67
06/01/68
06/01/69
06/01/70
06/01/71
06/01/72
06/01/73
06/01/74
06/01/75
06/01/76
06/01/77
06/01/78
06/01/79
06/01/80
06/01/81
06/01/82
06/01/83
06/01/84
06/01/85
06/01/86
06/01/87
06/01/88
06/01/89
06/01/90
06/01/91
06/01/92
06/01/93
06/01/94
06/01/95
06/01/96
06/01/97
06/01/98
06/01/99
06/01/00
06/01/01
06/01/02
06/01/03

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
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0
0
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0
0
0
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0
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0
0
0
0
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0
0
0
0
0
0
0
0
0
0
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0
0
0
0
0
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0

194
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06/01/04
06/01/05
06/01/06
06/01/07
06/01/08
06/01/09
06/01/10
06/01/11
06/01/12
06/01/13
06/01/14
06/01/15
06/01/16
06/01/17
06/01/18
06/01/19
06/01/20
06/01/21
06/01/22
06/01/23
06/01/24
06/01/25
06/01/26
06/01/27
06/01/28
06/01/29
06/01/30
06/01/31
06/01/32
06/01/33
06/01/34
06/01/35
06/01/36
06/01/37
06/01/38
06/01/39
06/01/40
06/01/41
06/01/42
06/01/43
06/01/44
06/01/45
06/01/46
06/01/47
06/01/48
06/01/49
06/01/50
06/01/51
06/01/52
06/01/53
06/01/54
06/01/55
06/01/56
06/01/57
06/01/58
06/01/59
06/01/60
06/01/61
06/01/62
06/01/63
06/01/64
06/01/65
06/01/66
06/01/67
06/01/68
06/01/69
06/01/70
06/01/71
06/01/72
06/01/73

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
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0
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0
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0

264
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06/01/74
06/01/75
06/01/76
06/01/77
06/01/78
06/01/79
06/01/80
06/01/81
06/01/82
06/01/83
06/01/84
06/01/85
06/01/86
06/01/87
06/01/88
06/01/89
06/01/90
06/01/91
06/01/92
06/01/93
06/01/94
06/01/95
06/01/96
06/01/97
06/01/98
06/01/99
06/01/00
06/01/01
06/01/02
06/01/03
06/01/04
06/01/05
06/01/06
06/01/07
06/01/08
06/01/09
06/01/10
06/01/11
06/01/12
06/01/13
06/01/14
06/01/15
06/01/16
06/01/17
06/01/18
06/01/19
06/01/20
06/01/21
06/01/22
06/01/23
06/01/24
06/01/25
06/01/26
06/01/27
06/01/28
06/01/29
06/01/30
06/01/31
06/01/32
06/01/33
06/01/34
06/01/35
06/01/36
06/01/37
06/01/38
06/01/39
06/01/40
06/01/41
06/01/42
06/01/43

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
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0
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0

0
0
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0
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0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
0
0
0
0
0
0
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0
0
0
0
0
0
0
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0
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0
0
0
0
0
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0
0
0
0
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0
0
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0
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0
0
0
0
0
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0

0
0
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0
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0
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0
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0
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0
0
0
0
0
0
0
0
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0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

334
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06/01/44
06/01/45
06/01/46
06/01/47
06/01/48
06/01/49
06/01/50
06/01/51
06/01/52
06/01/53
06/01/54
06/01/55
06/01/56
06/01/57
06/01/58
06/01/59
06/01/60
06/01/61
06/01/62
06/01/63
06/01/64
06/01/65
06/01/66
06/01/67
06/01/68
06/01/69
06/01/70

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71
$ 72,069.71

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

Saldo final

135930.2921579
69297.79600205
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
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0
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0
0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
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0
0
0
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0
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0
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0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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0
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0
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0
0
0
0
0
0
0
0
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0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

CONTADOR A LA CRIOLLITA
capital:
plazo:
periodo
1
2
3

200,000.00
3
capital
200,000.00
200,000.00
135,930.29
69,297.80

tir

tasa nominal:
Comisin:
cuota
(200,000.00)
72,069.71
72,069.71
72,069.71
216,209.13
4.00%

inters
8,000.00
5,437.21
2,771.91
16,209.13

4%
1,000.00
amortizacin
64,069.71
66,632.50
69,297.80
200,000.00

Auditores:
para encontrar la tasa efectiva
utilizo el tir

CONTADOR NIIF
capital: 200,000.00
plazo:
3
periodo
1
2
3

capital
200,000.00
199,000.00
135,416.75
69,121.97

tir

tasa nominal:
4%
Comisin:
1,000.00
cuota
(199,000.00)
72,069.71
72,069.71
72,069.71
216,209.13
4.26%

inters

amortizacin

8,486.46 63,583.25
5,774.92 66,294.79
2,947.74 69,121.97
17,209.13 199,000.00
Auditores:
para encontrar la tasa
efectiva utilizo el tir

1) Resto del valor recibido el valor de la comisin: 200.000 (-) 1.000

2) Recalcula la TIR en funcin del nuevo valor de inversin: 4.26%
3) Calculo el inters del periodo en funcin del nuevo TIR: 199000 * (4.26%)
4) Sobre el valor de la cuota conocida resto el valor del inters calculado
72069.71 (-) 8486.46, este valor corresponde al valor de la amortizacin de K
5) Este valor K le resto del capital y determino mi nueva base