Tablas de amortEJERCICIO DE TABLAS DE AMORTIZACIONTabla de amortizacin para 12 periodos, con tasa de inters 1.95% mensual con prestamos de $ 10.000.000 de pesos, con cuota fija a travs del tiempo.0.900%tasa de inters mensualmonto$200,000,000N =20periodosinicialintersamortcuotafinal0$200,000,000.0018000001$200,000,000.00$1,800,000.00$9,171,797.65$10,971,797.65$190,828,202.3518000002$190,828,202.35$1,717,453.82$9,254,343.83$10,971,797.65$181,573,858.5218000003$181,573,858.52$1,634,164.73$9,337,632.93$10,971,797.65$172,236,225.5918000004$172,236,225.59$1,550,126.03$9,421,671.62$10,971,797.65$162,814,553.9772000005$162,814,553.97$1,465,330.99$9,506,466.67$10,971,797.65$153,308,087.303600006$153,308,087.30$1,379,772.79$9,592,024.87$10,971,797.65$143,716,062.447$143,716,062.44$1,293,444.56$9,678,353.09$10,971,797.65$134,037,709.358$134,037,709.35$1,206,339.38$9,765,458.27$10,971,797.65$124,272,251.089$124,272,251.08$1,118,450.26$9,853,347.39$10,971,797.65$114,418,903.6910$114,418,903.69$1,029,770.13$9,942,027.52$10,971,797.65$104,476,876.1711$104,476,876.17$940,291.89$10,031,505.77$10,971,797.65$94,445,370.4012$94,445,370.40$850,008.33$10,121,789.32$10,971,797.6584,323,581.0813$84,323,581.08$758,912.23$10,212,885.42$10,971,797.65$74,110,695.6614$74,110,695.66$666,996.26$10,304,801.39$10,971,797.65$63,805,894.2715$63,805,894.27$574,253.05$10,397,544.60$10,971,797.65$53,408,349.6716$53,408,349.67$480,675.15$10,491,122.50$10,971,797.65$42,917,227.1617$42,917,227.16$386,255.04$10,585,542.61$10,971,797.65$32,331,684.5618$32,331,684.56$290,985.16$10,680,812.49$10,971,797.6521,650,872.0619$21,650,872.06$194,857.85$10,776,939.80$10,971,797.65$10,873,932.2620$10,873,932.26$97,865.39$10,873,932.26$10,971,797.65($0.00)3.00%tasa de inters mensualmonto$1,000.0012numero de periodosUn prstamo a 12 meses, al 3% efectivo mensual vencido pagadero a 12 meses con cuotas que se duplican cadames. Recuerde que para la solucin de este ejercicio debe utilizar la funcin celda objetivo.periodosinicialintersamortcuotafinalgradiente0$1,000.001$1,000.00$30.00($19.46)$10.54$1,019.460.002$1,019.46$30.58($20.04)$10.54$1,039.500.003$1,039.50$31.19($10.10)$21.08$1,049.611.004$1,049.61$31.49($10.41)$21.08$1,060.010.005$1,060.01$31.80$10.36$42.16$1,049.651.006$1,049.65$31.49$10.67$42.16$1,038.980.007$1,038.98$31.17$53.16$84.33$985.821.008$985.82$29.57$54.75$84.33$931.070.009$931.07$27.93$140.72$168.65$790.351.0010$790.35$23.71$144.94$168.65$645.410.0011$645.41$19.36$317.94$337.30$327.481.0012$327.48$9.82$327.48$337.30$0.000.00RESUMEN DE INSTRUCCIONES:Cuota = f(x) -> PAGO - > Introduzca: Inters, periodos, monto.Pago de inters = monto * % inters.Amortizacin: PAGO - Pago intersGradiente = % porcentaje en que varan las cuotas, recuerde que debe ir atado por una multiplicacin a la cuota.PAGO *( 1+ PAGO)No olvide que el saldo final de un periodo es el monto inicial del siguienteBUSCAR OBJETIVO.Definir celda: saldo finalCon valor: 0 (cero) COMO VALORPara Cambiar la celda: Cuota 1Nota: Puede consultar en la pgina del diplomado, en la opcin Ejemplos y Ejercicios, el archivo Tabla de Amortizacin

&CDiplomado en Evaluacin Financiera de ProyectosMdulo I - Nivelacin en Matemtica FinancieraConferencista: Luis Fernando Gmez&CPgina &P de &NLAS CELDAS DE COLOR AMARILLO ( ) SON PARAMETROSNota: Puede consultar en la pgina del diplomado, en la opcin Ejemplos y Ejercicios, el archivo Tabla de Amortizacin

Ejercicio Siomaraperiodosinicialintersamortcuotafinal02000000001$200,000,000.00$1,800,000.00$0.00$1,800,000.00$200,000,000.002$200,000,000.00$1,800,000.00$0.00$1,800,000.00$200,000,000.003$200,000,000.00$1,800,000.00$0.00$1,800,000.00$200,000,000.004$200,000,000.00$1,800,000.00$0.00$1,800,000.00$200,000,000.005$200,000,000.00$1,800,000.00$9,171,797.65$10,971,797.65$190,828,202.356$190,828,202.35$1,717,453.82$9,254,343.83$10,971,797.65$181,573,858.527$181,573,858.52$1,634,164.73$9,337,632.93$10,971,797.65$172,236,225.598$172,236,225.59$1,550,126.03$9,421,671.62$10,971,797.65$162,814,553.979$162,814,553.97$1,465,330.99$9,506,466.67$10,971,797.65$153,308,087.3010$153,308,087.30$1,379,772.79$9,592,024.87$10,971,797.65$143,716,062.4411$143,716,062.44$1,293,444.56$9,678,353.09$10,971,797.65$134,037,709.3512$134,037,709.35$1,206,339.38$9,765,458.27$10,971,797.65$124,272,251.0813$124,272,251.08$1,118,450.26$9,853,347.39$10,971,797.65$114,418,903.6914$114,418,903.69$1,029,770.13$9,942,027.52$10,971,797.65$104,476,876.1715$104,476,876.17$940,291.89$10,031,505.77$10,971,797.65$94,445,370.4016$94,445,370.40$850,008.33$10,121,789.32$10,971,797.6584,323,581.0817$84,323,581.08$758,912.23$10,212,885.42$10,971,797.65$74,110,695.6618$74,110,695.66$666,996.26$10,304,801.39$10,971,797.65$63,805,894.2719$63,805,894.27$574,253.05$10,397,544.60$10,971,797.65$53,408,349.6720$53,408,349.67$480,675.15$10,491,122.50$10,971,797.65$42,917,227.1621$42,917,227.16$386,255.04$10,585,542.61$10,971,797.65$32,331,684.5622$32,331,684.56$290,985.16$10,680,812.49$10,971,797.6521,650,872.0623$21,650,872.06$194,857.85$10,776,939.80$10,971,797.65$10,873,932.2624$10,873,932.26$97,865.39$10,873,932.26$10,971,797.65($0.00)

Hoja1Clculo del valor de la cuota y montos por perodo en:Sistema AlemnTasa anual10.80 %0Perodos por ao12cuotas mensuales0Tasa perodo0.90 %Perodos totales24Perodos de pago20Perodos de gracia4Plazo en aos:2.00Monto prstamo$ 200,000,0000Gastos al inicio$ 00Flujo de fondosTIR anualTIR por perodoTIRTIRTIRTIRTIR11.35 %0.9 %1.7 %2.5 %3.3 %4.7 %8.2 %TOTAL$ 226,100,000$ 200,000,000$ 26,100,000$ 26,100,000$ 26,100,000$ 26,100,000$ 26,100,000$ 26,100,000MesesCuotaAmortizacinInteresesDeuda2Perodos3Perodos4Perodos6Perodos12Perodos00-200,000,000200,000,0000-200,000,0000-200,000,0000-200,000,0000-200,000,0000-200,000,000111,800,00001,800,000200,000,000221,800,00001,800,000200,000,00013,600,000331,800,00001,800,000200,000,00015,400,000441,800,00001,800,000200,000,00023,600,00017,200,0005511,800,00010,000,0001,800,000190,000,0006611,710,00010,000,0001,710,000180,000,000323,510,000225,310,000130,710,0007711,620,00010,000,0001,620,000170,000,0008811,530,00010,000,0001,530,000160,000,000423,150,000246,660,0009911,440,00010,000,0001,440,000150,000,000334,590,000101011,350,00010,000,0001,350,000140,000,000522,790,000111111,260,00010,000,0001,260,000130,000,000121211,170,00010,000,0001,170,000120,000,000622,430,000433,780,000345,220,000268,370,000199,080,000131311,080,00010,000,0001,080,000110,000,000141410,990,00010,000,000990,000100,000,000722,070,000151510,900,00010,000,000900,00090,000,000532,970,000161610,810,00010,000,000810,00080,000,000821,710,000443,780,000171710,720,00010,000,000720,00070,000,000181810,630,00010,000,000630,00060,000,000921,350,000632,160,000365,130,000191910,540,00010,000,000540,00050,000,000202010,450,00010,000,000450,00040,000,0001020,990,000542,340,000212110,360,00010,000,000360,00030,000,000731,350,000222210,270,00010,000,000270,00020,000,0001120,630,000232310,180,00010,000,000180,00010,000,000242410,090,00010,000,00090,00001220,270,000830,540,000640,900,000461,890,0002127,020,0002500000260000000270000000280000000002900000300000000000031000003200000000033000000034000000035000003600000000000000037000003800000003900000004000000000041000004200000000000430000044000000000450000000460000000470000048000000000000000490000050000000051000000052000000000530000054000000000005500000560000000005700000005800000005900000600000000000000006100000620000000630000000640000000006500000660000000000067000006800000000069000000070000000071000007200000000000000073000007400000007500000007600000000077000007800000000000790000080000000000810000000820000000830000084000000000000000850000086000000087000000088000000000890000090000000000009100000920000000009300000009400000009500000960000000000000009700000980000000990000000100000000000101000001020000000000010300000104000000000105000000010600000001070000010800000000000000010900000110000000011100000001120000000001130000011400000000000115000001160000000001170000000118000000011900000120000000000000000