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Gestion des Finances Personnelles

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Nicolas Murillo
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0% ont trouvé ce document utile (0 vote)
19 vues23 pages

Gestion des Finances Personnelles

Transféré par

Nicolas Murillo
Copyright
© All Rights Reserved
Nous prenons très au sérieux les droits relatifs au contenu. Si vous pensez qu’il s’agit de votre contenu, signalez une atteinte au droit d’auteur ici.
Formats disponibles
Téléchargez aux formats XLSX, PDF, TXT ou lisez en ligne sur Scribd

Ingreso mensual 50% Necesidades 30% Deseos 20% Ahorro / Deuda

$20,000,000 $10,000,000 $6,000,000 $4,000,000


$25,000,000 $12,500,000 $7,500,000 $5,000,000
$30,000,000 $15,000,000 $9,000,000 $6,000,000
$35,000,000 $17,500,000 $10,500,000 $7,000,000
$40,000,000 $20,000,000 $12,000,000 $8,000,000
Valor del credito $189,000,000 # Cuota
% Interes Mensual Efectivo 1.18999999794350% 1
% Interes Efectivo Anual 15.2527113059% 2
3
Valor del credito $189,000,000 4
% Interes Mensual Efectivo 1.190% 5
Tiempo de Deuda Meses 60 6
Valor de Cuota Mes $ 4,425,183 7
8
=PMT(B2,B7,-B1) $4,425,183.24 9
Valor Final $ 384,341,745.48 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
54
55
56
57
58
59
60
Capital intereses Abono a Capital
$ 189,000,000 $ 2,249,100.00 $ 2,176,083
$ 186,823,917 $ 2,223,204.61 $ 2,201,979
$ 184,621,938 $ 2,197,001.06 $ 2,228,182
$ 182,393,756 $ 2,170,485.69 $ 2,254,698
$ 180,139,058 $ 2,143,654.79 $ 2,281,528
$ 177,857,530 $ 2,116,504.60 $ 2,308,679
$ 175,548,851 $ 2,089,031.33 $ 2,336,152
$ 173,212,699 $ 2,061,231.12 $ 2,363,952
$ 170,848,747 $ 2,033,100.09 $ 2,392,083
$ 168,456,664 $ 2,004,634.30 $ 2,420,549
$ 166,036,115 $ 1,975,829.77 $ 2,449,353
$ 163,586,762 $ 1,946,682.46 $ 2,478,501
$ 161,108,261 $ 1,917,188.30 $ 2,507,995
$ 158,600,266 $ 1,887,343.16 $ 2,537,840
$ 156,062,426 $ 1,857,142.87 $ 2,568,040
$ 153,494,386 $ 1,826,583.18 $ 2,598,600
$ 150,895,785 $ 1,795,659.84 $ 2,629,523
$ 148,266,262 $ 1,764,368.52 $ 2,660,815
$ 145,605,447 $ 1,732,704.82 $ 2,692,478
$ 142,912,969 $ 1,700,664.33 $ 2,724,519
$ 140,188,450 $ 1,668,242.55 $ 2,756,941
$ 137,431,509 $ 1,635,434.96 $ 2,789,748
$ 134,641,761 $ 1,602,236.95 $ 2,822,946
$ 131,818,815 $ 1,568,643.89 $ 2,856,539
$ 128,962,275 $ 1,534,651.07 $ 2,890,532
$ 126,071,743 $ 1,500,253.74 $ 2,924,929
$ 123,146,814 $ 1,465,447.08 $ 2,959,736
$ 120,187,078 $ 1,430,226.22 $ 2,994,957
$ 117,192,121 $ 1,394,586.23 $ 3,030,597
$ 114,161,524 $ 1,358,522.13 $ 3,066,661
$ 111,094,862 $ 1,322,028.86 $ 3,103,154
$ 107,991,708 $ 1,285,101.32 $ 3,140,082
$ 104,851,626 $ 1,247,734.35 $ 3,177,449
$ 101,674,177 $ 1,209,922.71 $ 3,215,261
$ 98,458,917 $ 1,171,661.11 $ 3,253,522
$ 95,205,395 $ 1,132,944.19 $ 3,292,239
$ 91,913,156 $ 1,093,766.55 $ 3,331,417
$ 88,581,739 $ 1,054,122.69 $ 3,371,061
$ 85,210,678 $ 1,014,007.07 $ 3,411,176
$ 81,799,502 $ 973,414.07 $ 3,451,769
$ 78,347,733 $ 932,338.02 $ 3,492,845
$ 74,854,888 $ 890,773.16 $ 3,534,410
$ 71,320,478 $ 848,713.68 $ 3,576,470
$ 67,744,008 $ 806,153.70 $ 3,619,030
$ 64,124,979 $ 763,087.24 $ 3,662,096
$ 60,462,883 $ 719,508.30 $ 3,705,675
$ 56,757,208 $ 675,410.77 $ 3,749,772
$ 53,007,435 $ 630,788.48 $ 3,794,395
$ 49,213,040 $ 585,635.18 $ 3,839,548
$ 45,373,492 $ 539,944.56 $ 3,885,239
$ 41,488,254 $ 493,710.22 $ 3,931,473
$ 37,556,781 $ 446,925.69 $ 3,978,258
$ 33,578,523 $ 399,584.42 $ 4,025,599
$ 29,552,924 $ 351,679.80 $ 4,073,503
$ 25,479,421 $ 303,205.11 $ 4,121,978
$ 21,357,443 $ 254,153.57 $ 4,171,030
$ 17,186,413 $ 204,518.32 $ 4,220,665
$ 12,965,748 $ 154,292.40 $ 4,270,891
$ 8,694,857 $ 103,468.80 $ 4,321,714
$ 4,373,143 $ 52,040.40 $ 4,373,143
=I2 =Tabla2[[#This Row],[C=$B$8-Tabla2[[#This Row]
Cuota mensual Capital Final
$ 4,425,183.24 $ 186,823,917
$ 4,425,183.24 $ 184,621,938
$ 4,425,183.24 $ 182,393,756
$ 4,425,183.24 $ 180,139,058
$ 4,425,183.24 $ 177,857,530
$ 4,425,183.24 $ 175,548,851
$ 4,425,183.24 $ 173,212,699
$ 4,425,183.24 $ 170,848,747
$ 4,425,183.24 $ 168,456,664
$ 4,425,183.24 $ 166,036,115
$ 4,425,183.24 $ 163,586,762
$ 4,425,183.24 $ 161,108,261
$ 4,425,183.24 $ 158,600,266
$ 4,425,183.24 $ 156,062,426
$ 4,425,183.24 $ 153,494,386
$ 4,425,183.24 $ 150,895,785
$ 4,425,183.24 $ 148,266,262
$ 4,425,183.24 $ 145,605,447
$ 4,425,183.24 $ 142,912,969
$ 4,425,183.24 $ 140,188,450
$ 4,425,183.24 $ 137,431,509
$ 4,425,183.24 $ 134,641,761
$ 4,425,183.24 $ 131,818,815
$ 4,425,183.24 $ 128,962,275
$ 4,425,183.24 $ 126,071,743
$ 4,425,183.24 $ 123,146,814
$ 4,425,183.24 $ 120,187,078
$ 4,425,183.24 $ 117,192,121
$ 4,425,183.24 $ 114,161,524
$ 4,425,183.24 $ 111,094,862
$ 4,425,183.24 $ 107,991,708
$ 4,425,183.24 $ 104,851,626
$ 4,425,183.24 $ 101,674,177
$ 4,425,183.24 $ 98,458,917
$ 4,425,183.24 $ 95,205,395
$ 4,425,183.24 $ 91,913,156
$ 4,425,183.24 $ 88,581,739
$ 4,425,183.24 $ 85,210,678
$ 4,425,183.24 $ 81,799,502
$ 4,425,183.24 $ 78,347,733
$ 4,425,183.24 $ 74,854,888
$ 4,425,183.24 $ 71,320,478
$ 4,425,183.24 $ 67,744,008
$ 4,425,183.24 $ 64,124,979
$ 4,425,183.24 $ 60,462,883
$ 4,425,183.24 $ 56,757,208
$ 4,425,183.24 $ 53,007,435
$ 4,425,183.24 $ 49,213,040
$ 4,425,183.24 $ 45,373,492
$ 4,425,183.24 $ 41,488,254
$ 4,425,183.24 $ 37,556,781
$ 4,425,183.24 $ 33,578,523
$ 4,425,183.24 $ 29,552,924
$ 4,425,183.24 $ 25,479,421
$ 4,425,183.24 $ 21,357,443
$ 4,425,183.24 $ 17,186,413
$ 4,425,183.24 $ 12,965,748
$ 4,425,183.24 $ 8,694,857
$ 4,425,183.24 $ 4,373,143
$ 4,425,183.24 $ 0
=Tabla2[[#This Row],[intereses ]]+Tabla2[=Tabla2[[#This Row],[Capital ]]-Tabla2[[#This Row],[Abon
]]-Tabla2[[#This Row],[Abono a Capital]]
Valor del credito $ 189,000,000
% Interes Mensual Efectivo 1.26304265444%
% Interes nominal mensual 15.15651% =B2*12
% Interes Efectivo Anual 16.25501% =EFFECT(B3,12)

Valor del credito $ 189,000,000


% Interes Mensual Efectivo 1.26304265444%
Tiempo de Deuda Meses 60
Valor de Cuota Mes $ 4,511,839.00

Valor Final $ 401,347,123.55


# Cuota Capital intereses Abono a Capital
1 $ 189,000,000 $ 2,387,150.62 $ 2,124,688
2 $ 186,875,312 $ 2,360,314.90 $ 2,151,524
3 $ 184,723,788 $ 2,333,140.23 $ 2,178,699
4 $ 182,545,089 $ 2,305,622.33 $ 2,206,217
5 $ 180,338,872 $ 2,277,756.88 $ 2,234,082
6 $ 178,104,790 $ 2,249,539.47 $ 2,262,300
7 $ 175,842,490 $ 2,220,965.66 $ 2,290,873
8 $ 173,551,617 $ 2,192,030.95 $ 2,319,808
9 $ 171,231,809 $ 2,162,730.79 $ 2,349,108
10 $ 168,882,701 $ 2,133,060.55 $ 2,378,778
11 $ 166,503,922 $ 2,103,015.56 $ 2,408,823
12 $ 164,095,099 $ 2,072,591.09 $ 2,439,248
13 $ 161,655,851 $ 2,041,782.35 $ 2,470,057
14 $ 159,185,794 $ 2,010,584.48 $ 2,501,255
15 $ 156,684,540 $ 1,978,992.57 $ 2,532,846
16 $ 154,151,693 $ 1,947,001.64 $ 2,564,837
17 $ 151,586,856 $ 1,914,606.65 $ 2,597,232
18 $ 148,989,624 $ 1,881,802.50 $ 2,630,037
19 $ 146,359,587 $ 1,848,584.02 $ 2,663,255
20 $ 143,696,332 $ 1,814,945.97 $ 2,696,893
21 $ 140,999,439 $ 1,780,883.06 $ 2,730,956
22 $ 138,268,483 $ 1,746,389.92 $ 2,765,449
23 $ 135,503,034 $ 1,711,461.12 $ 2,800,378
24 $ 132,702,656 $ 1,676,091.15 $ 2,835,748
25 $ 129,866,908 $ 1,640,274.45 $ 2,871,565
26 $ 126,995,344 $ 1,604,005.36 $ 2,907,834
27 $ 124,087,510 $ 1,567,278.18 $ 2,944,561
28 $ 121,142,949 $ 1,530,087.12 $ 2,981,752
29 $ 118,161,198 $ 1,492,426.33 $ 3,019,413
30 $ 115,141,785 $ 1,454,289.86 $ 3,057,549
31 $ 112,084,236 $ 1,415,671.71 $ 3,096,167
32 $ 108,988,068 $ 1,376,565.79 $ 3,135,273
33 $ 105,852,795 $ 1,336,965.95 $ 3,174,873
34 $ 102,677,922 $ 1,296,865.95 $ 3,214,973
35 $ 99,462,949 $ 1,256,259.47 $ 3,255,580
36 $ 96,207,370 $ 1,215,140.12 $ 3,296,699
37 $ 92,910,671 $ 1,173,501.40 $ 3,338,338
38 $ 89,572,333 $ 1,131,336.77 $ 3,380,502
39 $ 86,191,831 $ 1,088,639.59 $ 3,423,199
40 $ 82,768,632 $ 1,045,403.12 $ 3,466,436
41 $ 79,302,196 $ 1,001,620.56 $ 3,510,218
42 $ 75,791,977 $ 957,285.00 $ 3,554,554
43 $ 72,237,423 $ 912,389.47 $ 3,599,450
44 $ 68,637,974 $ 866,926.88 $ 3,644,912
45 $ 64,993,062 $ 820,890.09 $ 3,690,949
46 $ 61,302,113 $ 774,271.83 $ 3,737,567
47 $ 57,564,545 $ 727,064.76 $ 3,784,774
48 $ 53,779,771 $ 679,261.45 $ 3,832,578
49 $ 49,947,194 $ 630,854.36 $ 3,880,985
50 $ 46,066,209 $ 581,835.87 $ 3,930,003
51 $ 42,136,206 $ 532,198.25 $ 3,979,641
52 $ 38,156,565 $ 481,933.69 $ 4,029,905
53 $ 34,126,660 $ 431,034.27 $ 4,080,805
54 $ 30,045,855 $ 379,491.97 $ 4,132,347
55 $ 25,913,508 $ 327,298.66 $ 4,184,540
56 $ 21,728,968 $ 274,446.13 $ 4,237,393
57 $ 17,491,575 $ 220,926.05 $ 4,290,913
58 $ 13,200,662 $ 166,729.99 $ 4,345,109
59 $ 8,855,553 $ 111,849.41 $ 4,399,990
60 $ 4,455,563 $ 56,275.67 $ 4,455,563
=Tabla24[[#This Row],[Capital ]]*$B$9
Cuota mensual Capital Final
$ 4,511,839.00 $ 186,875,312
$ 4,511,839.00 $ 184,723,788
$ 4,511,839.00 $ 182,545,089
$ 4,511,839.00 $ 180,338,872
$ 4,511,839.00 $ 178,104,790
$ 4,511,839.00 $ 175,842,490
$ 4,511,839.00 $ 173,551,617
$ 4,511,839.00 $ 171,231,809
$ 4,511,839.00 $ 168,882,701
$ 4,511,839.00 $ 166,503,922
$ 4,511,839.00 $ 164,095,099
$ 4,511,839.00 $ 161,655,851
$ 4,511,839.00 $ 159,185,794
$ 4,511,839.00 $ 156,684,540
$ 4,511,839.00 $ 154,151,693
$ 4,511,839.00 $ 151,586,856
$ 4,511,839.00 $ 148,989,624
$ 4,511,839.00 $ 146,359,587
$ 4,511,839.00 $ 143,696,332
$ 4,511,839.00 $ 140,999,439
$ 4,511,839.00 $ 138,268,483
$ 4,511,839.00 $ 135,503,034
$ 4,511,839.00 $ 132,702,656
$ 4,511,839.00 $ 129,866,908
$ 4,511,839.00 $ 126,995,344
$ 4,511,839.00 $ 124,087,510
$ 4,511,839.00 $ 121,142,949
$ 4,511,839.00 $ 118,161,198
$ 4,511,839.00 $ 115,141,785
$ 4,511,839.00 $ 112,084,236
$ 4,511,839.00 $ 108,988,068
$ 4,511,839.00 $ 105,852,795
$ 4,511,839.00 $ 102,677,922
$ 4,511,839.00 $ 99,462,949
$ 4,511,839.00 $ 96,207,370
$ 4,511,839.00 $ 92,910,671
$ 4,511,839.00 $ 89,572,333
$ 4,511,839.00 $ 86,191,831
$ 4,511,839.00 $ 82,768,632
$ 4,511,839.00 $ 79,302,196
$ 4,511,839.00 $ 75,791,977
$ 4,511,839.00 $ 72,237,423
$ 4,511,839.00 $ 68,637,974
$ 4,511,839.00 $ 64,993,062
$ 4,511,839.00 $ 61,302,113
$ 4,511,839.00 $ 57,564,545
$ 4,511,839.00 $ 53,779,771
$ 4,511,839.00 $ 49,947,194
$ 4,511,839.00 $ 46,066,209
$ 4,511,839.00 $ 42,136,206
$ 4,511,839.00 $ 38,156,565
$ 4,511,839.00 $ 34,126,660
$ 4,511,839.00 $ 30,045,855
$ 4,511,839.00 $ 25,913,508
$ 4,511,839.00 $ 21,728,968
$ 4,511,839.00 $ 17,491,575
$ 4,511,839.00 $ 13,200,662
$ 4,511,839.00 $ 8,855,553
$ 4,511,839.00 $ 4,455,563
$ 4,511,839.00 $ 0
Valor del credito $ 189,000,000 # Cuota Capital
% Interes Mensual Efectivo 1.230% 1 $ 189,000,000
% Interes nominal mensual 15.80060% 2 $ 186,852,178
% Interes Efectivo Anual 15.80060% 3 $ 184,677,938
4 $ 182,476,955
5 $ 180,248,899
Valor del credito $ 189,000,000 6 $ 177,993,439
% Interes Mensual Efectivo 1.23000000% 7 $ 175,710,236
Tiempo de Deuda Meses 60 8 $ 173,398,950
Valor de Cuota Mes $ 4,472,521.89 9 $ 171,059,236
10 $ 168,690,742
Valor Final $ 393,564,588.61 11 $ 166,293,117
12 $ 163,866,000
13 $ 161,409,030
14 $ 158,921,839
15 $ 156,404,056
16 $ 153,855,304
17 $ 151,275,202
18 $ 148,663,365
19 $ 146,019,403
20 $ 143,342,920
21 $ 140,633,516
22 $ 137,890,786
23 $ 135,114,321
24 $ 132,303,705
25 $ 129,458,519
26 $ 126,578,337
27 $ 123,662,728
28 $ 120,711,258
29 $ 117,723,484
30 $ 114,698,961
31 $ 111,637,237
32 $ 108,537,853
33 $ 105,400,347
34 $ 102,224,249
35 $ 99,009,085
36 $ 95,754,375
37 $ 92,459,632
38 $ 89,124,364
39 $ 85,748,071
40 $ 82,330,251
41 $ 78,870,391
42 $ 75,367,975
43 $ 71,822,479
44 $ 68,233,374
45 $ 64,600,122
46 $ 60,922,182
47 $ 57,199,003
48 $ 53,430,029
49 $ 49,614,696
50 $ 45,752,435
51 $ 41,842,668
52 $ 37,884,811
53 $ 33,878,272
54 $ 29,822,453
55 $ 25,716,747
56 $ 21,560,542
57 $ 17,353,214
58 $ 13,094,137
59 $ 8,782,673
60 $ 4,418,178
intereses Abono a CapitalCuota mensual Capital Final
$ 2,324,700.00 $ 2,147,822 $ 4,472,521.89 $ 186,852,178
$ 2,298,281.79 $ 2,174,240 $ 4,472,521.89 $ 184,677,938
$ 2,271,538.64 $ 2,200,983 $ 4,472,521.89 $ 182,476,955
$ 2,244,466.54 $ 2,228,055 $ 4,472,521.89 $ 180,248,899
$ 2,217,061.46 $ 2,255,460 $ 4,472,521.89 $ 177,993,439
$ 2,189,319.30 $ 2,283,203 $ 4,472,521.89 $ 175,710,236
$ 2,161,235.91 $ 2,311,286 $ 4,472,521.89 $ 173,398,950
$ 2,132,807.09 $ 2,339,715 $ 4,472,521.89 $ 171,059,236
$ 2,104,028.60 $ 2,368,493 $ 4,472,521.89 $ 168,690,742
$ 2,074,896.13 $ 2,397,626 $ 4,472,521.89 $ 166,293,117
$ 2,045,405.33 $ 2,427,117 $ 4,472,521.89 $ 163,866,000
$ 2,015,551.80 $ 2,456,970 $ 4,472,521.89 $ 161,409,030
$ 1,985,331.07 $ 2,487,191 $ 4,472,521.89 $ 158,921,839
$ 1,954,738.62 $ 2,517,783 $ 4,472,521.89 $ 156,404,056
$ 1,923,769.89 $ 2,548,752 $ 4,472,521.89 $ 153,855,304
$ 1,892,420.24 $ 2,580,102 $ 4,472,521.89 $ 151,275,202
$ 1,860,684.99 $ 2,611,837 $ 4,472,521.89 $ 148,663,365
$ 1,828,559.39 $ 2,643,962 $ 4,472,521.89 $ 146,019,403
$ 1,796,038.65 $ 2,676,483 $ 4,472,521.89 $ 143,342,920
$ 1,763,117.91 $ 2,709,404 $ 4,472,521.89 $ 140,633,516
$ 1,729,792.24 $ 2,742,730 $ 4,472,521.89 $ 137,890,786
$ 1,696,056.67 $ 2,776,465 $ 4,472,521.89 $ 135,114,321
$ 1,661,906.14 $ 2,810,616 $ 4,472,521.89 $ 132,303,705
$ 1,627,335.57 $ 2,845,186 $ 4,472,521.89 $ 129,458,519
$ 1,592,339.78 $ 2,880,182 $ 4,472,521.89 $ 126,578,337
$ 1,556,913.54 $ 2,915,608 $ 4,472,521.89 $ 123,662,728
$ 1,521,051.56 $ 2,951,470 $ 4,472,521.89 $ 120,711,258
$ 1,484,748.47 $ 2,987,773 $ 4,472,521.89 $ 117,723,484
$ 1,447,998.86 $ 3,024,523 $ 4,472,521.89 $ 114,698,961
$ 1,410,797.22 $ 3,061,725 $ 4,472,521.89 $ 111,637,237
$ 1,373,138.01 $ 3,099,384 $ 4,472,521.89 $ 108,537,853
$ 1,335,015.59 $ 3,137,506 $ 4,472,521.89 $ 105,400,347
$ 1,296,424.26 $ 3,176,098 $ 4,472,521.89 $ 102,224,249
$ 1,257,358.26 $ 3,215,164 $ 4,472,521.89 $ 99,009,085
$ 1,217,811.75 $ 3,254,710 $ 4,472,521.89 $ 95,754,375
$ 1,177,778.81 $ 3,294,743 $ 4,472,521.89 $ 92,459,632
$ 1,137,253.47 $ 3,335,268 $ 4,472,521.89 $ 89,124,364
$ 1,096,229.67 $ 3,376,292 $ 4,472,521.89 $ 85,748,071
$ 1,054,701.28 $ 3,417,821 $ 4,472,521.89 $ 82,330,251
$ 1,012,662.08 $ 3,459,860 $ 4,472,521.89 $ 78,870,391
$ 970,105.81 $ 3,502,416 $ 4,472,521.89 $ 75,367,975
$ 927,026.09 $ 3,545,496 $ 4,472,521.89 $ 71,822,479
$ 883,416.49 $ 3,589,105 $ 4,472,521.89 $ 68,233,374
$ 839,270.50 $ 3,633,251 $ 4,472,521.89 $ 64,600,122
$ 794,581.50 $ 3,677,940 $ 4,472,521.89 $ 60,922,182
$ 749,342.84 $ 3,723,179 $ 4,472,521.89 $ 57,199,003
$ 703,547.74 $ 3,768,974 $ 4,472,521.89 $ 53,430,029
$ 657,189.35 $ 3,815,333 $ 4,472,521.89 $ 49,614,696
$ 610,260.76 $ 3,862,261 $ 4,472,521.89 $ 45,752,435
$ 562,754.95 $ 3,909,767 $ 4,472,521.89 $ 41,842,668
$ 514,664.82 $ 3,957,857 $ 4,472,521.89 $ 37,884,811
$ 465,983.18 $ 4,006,539 $ 4,472,521.89 $ 33,878,272
$ 416,702.75 $ 4,055,819 $ 4,472,521.89 $ 29,822,453
$ 366,816.17 $ 4,105,706 $ 4,472,521.89 $ 25,716,747
$ 316,315.99 $ 4,156,206 $ 4,472,521.89 $ 21,560,542
$ 265,194.66 $ 4,207,327 $ 4,472,521.89 $ 17,353,214
$ 213,444.54 $ 4,259,077 $ 4,472,521.89 $ 13,094,137
$ 161,057.89 $ 4,311,464 $ 4,472,521.89 $ 8,782,673
$ 108,026.88 $ 4,364,495 $ 4,472,521.89 $ 4,418,178
$ 54,343.59 $ 4,418,178 $ 4,472,521.89 -$ 0
Valor del credito $ 189,000,000 # Cuota
% Interes Mensual Efectivo 1.34289985% 1
% Interes nominal mensual 16.11480% =B2*12 2
% Interes Efectivo Anual 17.3599526947% =EFFECT(B3,12) 3
4
5
Valor del credito $ 189,000,000 6
% Interes Mensual Efectivo 1.34289985% 7
Tiempo de Deuda Meses 60 8
Valor de Cuota Mes $ 4,607,649.00 9
10
11
12
13
14
Valor Final $ 420,786,146.43 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
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44
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46
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60
Capital intereses Abono a CapitalCuota mensual Capital Final
$ 189,000,000 $ 2,538,080.72 $ 2,069,568 $ 4,607,649.00 $ 186,930,432
$ 186,930,432 $ 2,510,288.49 $ 2,097,361 $ 4,607,649.00 $ 184,833,071
$ 184,833,071 $ 2,482,123.04 $ 2,125,526 $ 4,607,649.00 $ 182,707,545
$ 182,707,545 $ 2,453,579.36 $ 2,154,070 $ 4,607,649.00 $ 180,553,476
$ 180,553,476 $ 2,424,652.36 $ 2,182,997 $ 4,607,649.00 $ 178,370,479
$ 178,370,479 $ 2,395,336.90 $ 2,212,312 $ 4,607,649.00 $ 176,158,167
$ 176,158,167 $ 2,365,627.76 $ 2,242,021 $ 4,607,649.00 $ 173,916,146
$ 173,916,146 $ 2,335,519.66 $ 2,272,129 $ 4,607,649.00 $ 171,644,016
$ 171,644,016 $ 2,305,007.24 $ 2,302,642 $ 4,607,649.00 $ 169,341,375
$ 169,341,375 $ 2,274,085.07 $ 2,333,564 $ 4,607,649.00 $ 167,007,811
$ 167,007,811 $ 2,242,747.64 $ 2,364,901 $ 4,607,649.00 $ 164,642,909
$ 164,642,909 $ 2,210,989.38 $ 2,396,660 $ 4,607,649.00 $ 162,246,250
$ 162,246,250 $ 2,178,804.65 $ 2,428,844 $ 4,607,649.00 $ 159,817,405
$ 159,817,405 $ 2,146,187.70 $ 2,461,461 $ 4,607,649.00 $ 157,355,944
$ 157,355,944 $ 2,113,132.74 $ 2,494,516 $ 4,607,649.00 $ 154,861,428
$ 154,861,428 $ 2,079,633.88 $ 2,528,015 $ 4,607,649.00 $ 152,333,413
$ 152,333,413 $ 2,045,685.17 $ 2,561,964 $ 4,607,649.00 $ 149,771,449
$ 149,771,449 $ 2,011,280.56 $ 2,596,368 $ 4,607,649.00 $ 147,175,080
$ 147,175,080 $ 1,976,413.94 $ 2,631,235 $ 4,607,649.00 $ 144,543,845
$ 144,543,845 $ 1,941,079.08 $ 2,666,570 $ 4,607,649.00 $ 141,877,275
$ 141,877,275 $ 1,905,269.72 $ 2,702,379 $ 4,607,649.00 $ 139,174,896
$ 139,174,896 $ 1,868,979.47 $ 2,738,670 $ 4,607,649.00 $ 136,436,227
$ 136,436,227 $ 1,832,201.88 $ 2,775,447 $ 4,607,649.00 $ 133,660,779
$ 133,660,779 $ 1,794,930.41 $ 2,812,719 $ 4,607,649.00 $ 130,848,061
$ 130,848,061 $ 1,757,158.42 $ 2,850,491 $ 4,607,649.00 $ 127,997,570
$ 127,997,570 $ 1,718,879.18 $ 2,888,770 $ 4,607,649.00 $ 125,108,800
$ 125,108,800 $ 1,680,085.90 $ 2,927,563 $ 4,607,649.00 $ 122,181,237
$ 122,181,237 $ 1,640,771.66 $ 2,966,877 $ 4,607,649.00 $ 119,214,360
$ 119,214,360 $ 1,600,929.46 $ 3,006,720 $ 4,607,649.00 $ 116,207,640
$ 116,207,640 $ 1,560,552.23 $ 3,047,097 $ 4,607,649.00 $ 113,160,544
$ 113,160,544 $ 1,519,632.77 $ 3,088,016 $ 4,607,649.00 $ 110,072,527
$ 110,072,527 $ 1,478,163.81 $ 3,129,485 $ 4,607,649.00 $ 106,943,042
$ 106,943,042 $ 1,436,137.96 $ 3,171,511 $ 4,607,649.00 $ 103,771,531
$ 103,771,531 $ 1,393,547.74 $ 3,214,101 $ 4,607,649.00 $ 100,557,430
$ 100,557,430 $ 1,350,385.58 $ 3,257,263 $ 4,607,649.00 $ 97,300,167
$ 97,300,167 $ 1,306,643.79 $ 3,301,005 $ 4,607,649.00 $ 93,999,161
$ 93,999,161 $ 1,262,314.60 $ 3,345,334 $ 4,607,649.00 $ 90,653,827
$ 90,653,827 $ 1,217,390.11 $ 3,390,259 $ 4,607,649.00 $ 87,263,568
$ 87,263,568 $ 1,171,862.33 $ 3,435,787 $ 4,607,649.00 $ 83,827,781
$ 83,827,781 $ 1,125,723.15 $ 3,481,926 $ 4,607,649.00 $ 80,345,856
$ 80,345,856 $ 1,078,964.38 $ 3,528,685 $ 4,607,649.00 $ 76,817,171
$ 76,817,171 $ 1,031,577.67 $ 3,576,071 $ 4,607,649.00 $ 73,241,100
$ 73,241,100 $ 983,554.62 $ 3,624,094 $ 4,607,649.00 $ 69,617,005
$ 69,617,005 $ 934,886.66 $ 3,672,762 $ 4,607,649.00 $ 65,944,243
$ 65,944,243 $ 885,565.14 $ 3,722,084 $ 4,607,649.00 $ 62,222,159
$ 62,222,159 $ 835,581.28 $ 3,772,068 $ 4,607,649.00 $ 58,450,091
$ 58,450,091 $ 784,926.19 $ 3,822,723 $ 4,607,649.00 $ 54,627,368
$ 54,627,368 $ 733,590.85 $ 3,874,058 $ 4,607,649.00 $ 50,753,310
$ 50,753,310 $ 681,566.13 $ 3,926,083 $ 4,607,649.00 $ 46,827,227
$ 46,827,227 $ 628,842.77 $ 3,978,806 $ 4,607,649.00 $ 42,848,421
$ 42,848,421 $ 575,411.39 $ 4,032,238 $ 4,607,649.00 $ 38,816,184
$ 38,816,184 $ 521,262.47 $ 4,086,387 $ 4,607,649.00 $ 34,729,797
$ 34,729,797 $ 466,386.39 $ 4,141,263 $ 4,607,649.00 $ 30,588,534
$ 30,588,534 $ 410,773.38 $ 4,196,876 $ 4,607,649.00 $ 26,391,659
$ 26,391,659 $ 354,413.55 $ 4,253,235 $ 4,607,649.00 $ 22,138,423
$ 22,138,423 $ 297,296.85 $ 4,310,352 $ 4,607,649.00 $ 17,828,071
$ 17,828,071 $ 239,413.14 $ 4,368,236 $ 4,607,649.00 $ 13,459,835
$ 13,459,835 $ 180,752.11 $ 4,426,897 $ 4,607,649.00 $ 9,032,938
$ 9,032,938 $ 121,303.32 $ 4,486,346 $ 4,607,649.00 $ 4,546,593
$ 4,546,593 $ 61,056.19 $ 4,546,593 $ 4,607,649.00 $ 0

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