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P= S/. 15,000.00
n= 12 mensuales
i= 3.50% mensual
TABLA DE AMORTIZACION (cuota fija o metodo Frances) TABLA DE AMORTIZACION (amortizacion fija
N PAGO INTERES AMORTIZACION SALDO N PAGO
0 S/. 15,000.00 0
1 S/. 1,552.26 S/. 525.00 S/. 1,027.26 S/. 13,972.74 1 S/. 1,775.00
2 S/. 1,552.26 S/. 489.05 S/. 1,063.21 S/. 12,909.53 2 S/. 1,731.25
3 S/. 1,552.26 S/. 451.83 S/. 1,100.43 S/. 11,809.10 3 S/. 1,687.50
4 S/. 1,552.26 S/. 413.32 S/. 1,138.94 S/. 10,670.16 4 S/. 1,643.75
5 S/. 1,552.26 S/. 373.46 S/. 1,178.80 S/. 9,491.36 5 S/. 1,600.00
6 S/. 1,552.26 S/. 332.20 S/. 1,220.06 S/. 8,271.30 6 S/. 1,556.25
7 S/. 1,552.26 S/. 289.50 S/. 1,262.76 S/. 7,008.53 7 S/. 1,512.50
8 S/. 1,552.26 S/. 245.30 S/. 1,306.96 S/. 5,701.57 8 S/. 1,468.75
9 S/. 1,552.26 S/. 199.55 S/. 1,352.70 S/. 4,348.87 9 S/. 1,425.00
10 S/. 1,552.26 S/. 152.21 S/. 1,400.05 S/. 2,948.82 10 S/. 1,381.25
11 S/. 1,552.26 S/. 103.21 S/. 1,449.05 S/. 1,499.77 11 S/. 1,337.50
12 S/. 1,552.26 S/. 52.49 S/. 1,499.77 S/. - 12 S/. 1,293.75
A DE AMORTIZACION (amortizacion fija o metodo Alemn)
INTERES AMORTIZACION SALDO
S/. 15,000.00
S/. 525.00 S/. 1,250.00 S/. 13,750.00
S/. 481.25 S/. 1,250.00 S/. 12,500.00
S/. 437.50 S/. 1,250.00 S/. 11,250.00
S/. 393.75 S/. 1,250.00 S/. 10,000.00
S/. 350.00 S/. 1,250.00 S/. 8,750.00
S/. 306.25 S/. 1,250.00 S/. 7,500.00
S/. 262.50 S/. 1,250.00 S/. 6,250.00
S/. 218.75 S/. 1,250.00 S/. 5,000.00
S/. 175.00 S/. 1,250.00 S/. 3,750.00
S/. 131.25 S/. 1,250.00 S/. 2,500.00
S/. 87.50 S/. 1,250.00 S/. 1,250.00
S/. 43.75 S/. 1,250.00 S/. -
Con el objetivo de aplicar los conceptos vistos sobre amortizacin, tomemos como ejemplo una deuda
$1.000.000, la cual debe ser cancelada en un plazo de un ao, con un inters del 31.2% anual liquidad
mensualmente.
Realicemos la amortizacin, empleando los diferentes mtodos.
P= S/. 1,000,000.00
n= 1 ao 12 meses
i= 31.20% anual 2.60% efec.mensual
P= S/. 5,000,000.00
i13= 5.50%
i45= 7.50%
n= 5 anuales
P= S/. 4,000.00
i= 3.85% mensual
n= 24 mensuales (cuotas iguales)
P= S/. 15,000.00
i= 4.50% mensual
n= 12 mesnuales (cuotas uniformes) CUOTA= S/. 1,644.99
*5to mes= S/. 3,290.00