PRACTICA N° 1

1
Ud. Se presta Bs115.000 de un Banco al 1.5% mensual y debe pagar su obligación
en 10 años mediante amortizaciones mensuales.
a) Calcular la Renta de Amortización por el método francés y presentar el Estado de Amortización de la deuda
b) Calcular los intereses de la cuota N° 77
c) Calcular el saldo de la deuda en el mes N° 90
d) En el mes N° 50, Ud. Pide una reprogramación de su crédito, de tal forma que le aumenten
el plazo por 90 meses mas. En esas circunstancias, calcular el valor de la nueva renta de amortización
e) Si Ud. Quisiera pagar su crédito con una cuota de Bs4.800 mensuales; en cuanto tiempo podrá
amortizar la deuda?.
2
Con el método Alemán:
a) calcular el valor de cada renta de amortización a capital y la primera renta de amortización.
b) Calcular la diferencia entre los importes de cada amortización total.
c) presentar el Estado de Amortización de la Deuda.
d) En el mes N° 50, Ud. Pide una reprogramación de su crédito, de tal forma que le aumenten
el plazo por 90 meses mas. En esas circunstancias, calcular el valor de la nueva primera renta de amortización
e) Si Ud. Quisiera pagar su crédito con una cuota de Bs4.800 mensuales; en cuanto tiempo podrá
f) Calcular el saldo de la deuda en el mes 48 y los intereses en el mes 33
mortización de la deuda

e amortización

a renta de amortización
 Capital 115,000.00
i 1.50% mensual
Tiempo 120 meses
Pago 2072.13

a)
Numero Cuota Cuota Mensual Interes Capital Saldo Insoluto
0 115,000.00
1 2072.13 1,725.00 347.13 114,652.87
2 2072.13 1,719.79 352.34 114,300.53
3 2072.13 1,714.51 357.62 113,942.91
4 2072.13 1,709.14 362.99 113,579.93
5 2072.13 1,703.70 368.43 113,211.49
6 2072.13 1,698.17 373.96 112,837.54
7 2072.13 1,692.56 379.57 112,457.97
8 2072.13 1,686.87 385.26 112,072.71
9 2072.13 1,681.09 391.04 111,681.67
10 2072.13 1,675.23 396.90 111,284.77
11 2072.13 1,669.27 402.86 110,881.91
12 2072.13 1,663.23 408.90 110,473.01
13 2072.13 1,657.10 415.03 110,057.97
14 2072.13 1,650.87 421.26 109,636.71
15 2072.13 1,644.55 427.58 109,209.13
16 2072.13 1,638.14 433.99 108,775.14
17 2072.13 1,631.63 440.50 108,334.64
18 2072.13 1,625.02 447.11 107,887.53
19 2072.13 1,618.31 453.82 107,433.71
20 2072.13 1,611.51 460.62 106,973.09
21 2072.13 1,604.60 467.53 106,505.55
22 2072.13 1,597.58 474.55 106,031.01
23 2072.13 1,590.47 481.66 105,549.34
24 2072.13 1,583.24 488.89 105,060.45
25 2072.13 1,575.91 496.22 104,564.23
26 2072.13 1,568.46 503.67 104,060.56
27 2072.13 1,560.91 511.22 103,549.34
28 2072.13 1,553.24 518.89 103,030.45
29 2072.13 1,545.46 526.67 102,503.78
30 2072.13 1,537.56 534.57 101,969.21
31 2072.13 1,529.54 542.59 101,426.61
32 2072.13 1,521.40 550.73 100,875.88
33 2072.13 1,513.14 558.99 100,316.89
34 2072.13 1,504.75 567.38 99,749.52
35 2072.13 1,496.24 575.89 99,173.63
36 2072.13 1,487.60 584.53 98,589.10
37 2072.13 1,478.84 593.29 97,995.81
38 2072.13 1,469.94 602.19 97,393.62
39 2072.13 1,460.90 611.23 96,782.39
40 2072.13 1,451.74 620.39 96,162.00
41 2072.13 1,442.43 629.70 95,532.30
42 2072.13 1,432.98 639.15 94,893.15
43 2072.13 1,423.40 648.73 94,244.42
44 2072.13 1,413.67 658.46 93,585.96
45 2072.13 1,403.79 668.34 92,917.62
46 2072.13 1,393.76 678.37 92,239.25
47 2072.13 1,383.59 688.54 91,550.71
48 2072.13 1,373.26 698.87 90,851.84
49 2072.13 1,362.78 709.35 90,142.49
50 2072.13 1,352.14 719.99 89,422.50
51 2072.13 1,341.34 730.79 88,691.70
52 2072.13 1,330.38 741.75 87,949.95
53 2072.13 1,319.25 752.88 87,197.07
54 2072.13 1,307.96 764.17 86,432.89
55 2072.13 1,296.49 775.64 85,657.26
56 2072.13 1,284.86 787.27 84,869.99
57 2072.13 1,273.05 799.08 84,070.91
58 2072.13 1,261.06 811.07 83,259.84
59 2072.13 1,248.90 823.23 82,436.61
60 2072.13 1,236.55 835.58 81,601.03
61 2072.13 1,224.02 848.11 80,752.91
62 2072.13 1,211.29 860.84 79,892.08
63 2072.13 1,198.38 873.75 79,018.33
64 2072.13 1,185.27 886.85 78,131.47
65 2072.13 1,171.97 900.16 77,231.32
66 2072.13 1,158.47 913.66 76,317.66
67 2072.13 1,144.76 927.36 75,390.29
68 2072.13 1,130.85 941.28 74,449.02
69 2072.13 1,116.74 955.39 73,493.62
70 2072.13 1,102.40 969.73 72,523.90
71 2072.13 1,087.86 984.27 71,539.62
72 2072.13 1,073.09 999.04 70,540.59
73 2072.13 1,058.11 1,014.02 69,526.57
74 2072.13 1,042.90 1,029.23 68,497.34
75 2072.13 1,027.46 1,044.67 67,452.67
76 2072.13 1,011.79 1,060.34 66,392.33
77 2072.13 995.88 1,076.24 65,316.08
78 2072.13 979.74 1,092.39 64,223.69
79 2072.13 963.36 1,108.77 63,114.92
80 2072.13 946.72 1,125.41 61,989.51
 81 2072.13 929.84 1,142.29 60,847.23
82 2072.13 912.71 1,159.42 59,687.81
83 2072.13 895.32 1,176.81 58,510.99
84 2072.13 877.66 1,194.46 57,316.53
85 2072.13 859.75 1,212.38 56,104.15
86 2072.13 841.56 1,230.57 54,873.58
87 2072.13 823.10 1,249.03 53,624.55
88 2072.13 804.37 1,267.76 52,356.79
89 2072.13 785.35 1,286.78 51,070.01
90 2072.13 766.05 1,306.08 49,763.93
91 2072.13 746.46 1,325.67 48,438.26
92 2072.13 726.57 1,345.56 47,092.71
93 2072.13 706.39 1,365.74 45,726.97
94 2072.13 685.90 1,386.23 44,340.74
95 2072.13 665.11 1,407.02 42,933.72
96 2072.13 644.01 1,428.12 41,505.60
97 2072.13 622.58 1,449.55 40,056.05
98 2072.13 600.84 1,471.29 38,584.76
99 2072.13 578.77 1,493.36 37,091.41
100 2072.13 556.37 1,515.76 35,575.65
101 2072.13 533.63 1,538.50 34,037.15
102 2072.13 510.56 1,561.57 32,475.58
103 2072.13 487.13 1,585.00 30,890.58
104 2072.13 463.36 1,608.77 29,281.81
105 2072.13 439.23 1,632.90 27,648.91
106 2072.13 414.73 1,657.40 25,991.51
107 2072.13 389.87 1,682.26 24,309.26
108 2072.13 364.64 1,707.49 22,601.77
109 2072.13 339.03 1,733.10 20,868.66
110 2072.13 313.03 1,759.10 19,109.56
111 2072.13 286.64 1,785.49 17,324.08
112 2072.13 259.86 1,812.27 15,511.81
113 2072.13 232.68 1,839.45 13,672.36
114 2072.13 205.09 1,867.04 11,805.31
115 2072.13 177.08 1,895.05 9,910.26
116 2072.13 148.65 1,923.48 7,986.79
117 2072.13 119.80 1,952.33 6,034.46
118 2072.13 90.52 1,981.61 4,052.84
119 2072.13 60.79 2,011.34 2,041.51
120 2072.13 30.62 2,041.51 - 0.00

b) Interes Cuota 77 995.88

c) Saldo Mes 90 49,763.93
d)
Saldo Mes 50 89,422.50
 i 1.50% mensual
Tiempo 160 meses
Pago 1477.81
e)
Capital 115,000.00 VP = R*((1-((1+i)^-n))/i)
Cuota 4,800.00
i 1.50% mensual
VP/R 23.95833333333
(VP/R)*i 0.359375
(VP/R)*i)-1 -0.640625
1.560975609756
n 29.91 meses
 Capital 115,000.00
i 1.50% mensual
Tiempo 120 meses
Pago
a) Capital 958.33
c)
Numero Cuota Cuota Mensual Interes Capital Saldo Insoluto
0 115,000.00
1 2,683.33 1,725.00 958.33 114,041.67
2 2,668.96 1,710.63 958.33 113,083.33
3 2,654.58 1,696.25 958.33 112,125.00
4 2,640.21 1,681.88 958.33 111,166.67
5 2,625.83 1,667.50 958.33 110,208.33
6 2,611.46 1,653.13 958.33 109,250.00
7 2,597.08 1,638.75 958.33 108,291.67
8 2,582.71 1,624.38 958.33 107,333.33
9 2,568.33 1,610.00 958.33 106,375.00
10 2,553.96 1,595.63 958.33 105,416.67
11 2,539.58 1,581.25 958.33 104,458.33
12 2,525.21 1,566.88 958.33 103,500.00
13 2,510.83 1,552.50 958.33 102,541.67
14 2,496.46 1,538.13 958.33 101,583.33
15 2,482.08 1,523.75 958.33 100,625.00
16 2,467.71 1,509.38 958.33 99,666.67
17 2,453.33 1,495.00 958.33 98,708.33
18 2,438.96 1,480.63 958.33 97,750.00
19 2,424.58 1,466.25 958.33 96,791.67
20 2,410.21 1,451.88 958.33 95,833.33
21 2,395.83 1,437.50 958.33 94,875.00
22 2,381.46 1,423.13 958.33 93,916.67
23 2,367.08 1,408.75 958.33 92,958.33
24 2,352.71 1,394.38 958.33 92,000.00
25 2,338.33 1,380.00 958.33 91,041.67
26 2,323.96 1,365.63 958.33 90,083.33
27 2,309.58 1,351.25 958.33 89,125.00
28 2,295.21 1,336.88 958.33 88,166.67
29 2,280.83 1,322.50 958.33 87,208.33
30 2,266.46 1,308.13 958.33 86,250.00
31 2,252.08 1,293.75 958.33 85,291.67
32 2,237.71 1,279.38 958.33 84,333.33
33 2,223.33 1,265.00 958.33 83,375.00
34 2,208.96 1,250.63 958.33 82,416.67
35 2,194.58 1,236.25 958.33 81,458.33
36 2,180.21 1,221.88 958.33 80,500.00
37 2,165.83 1,207.50 958.33 79,541.67
38 2,151.46 1,193.13 958.33 78,583.33
39 2,137.08 1,178.75 958.33 77,625.00
40 2,122.71 1,164.38 958.33 76,666.67
41 2,108.33 1,150.00 958.33 75,708.33
42 2,093.96 1,135.63 958.33 74,750.00
43 2,079.58 1,121.25 958.33 73,791.67
44 2,065.21 1,106.88 958.33 72,833.33
45 2,050.83 1,092.50 958.33 71,875.00
46 2,036.46 1,078.13 958.33 70,916.67
47 2,022.08 1,063.75 958.33 69,958.33
48 2,007.71 1,049.38 958.33 69,000.00
49 1,993.33 1,035.00 958.33 68,041.67
50 1,978.96 1,020.63 958.33 67,083.33
51 1,964.58 1,006.25 958.33 66,125.00
52 1,950.21 991.88 958.33 65,166.67
53 1,935.83 977.50 958.33 64,208.33
54 1,921.46 963.13 958.33 63,250.00
55 1,907.08 948.75 958.33 62,291.67
56 1,892.71 934.38 958.33 61,333.33
57 1,878.33 920.00 958.33 60,375.00
58 1,863.96 905.63 958.33 59,416.67
59 1,849.58 891.25 958.33 58,458.33
60 1,835.21 876.88 958.33 57,500.00
61 1,820.83 862.50 958.33 56,541.67
62 1,806.46 848.13 958.33 55,583.33
63 1,792.08 833.75 958.33 54,625.00
64 1,777.71 819.38 958.33 53,666.67
65 1,763.33 805.00 958.33 52,708.33
66 1,748.96 790.63 958.33 51,750.00
67 1,734.58 776.25 958.33 50,791.67
68 1,720.21 761.88 958.33 49,833.33
69 1,705.83 747.50 958.33 48,875.00
70 1,691.46 733.13 958.33 47,916.67
71 1,677.08 718.75 958.33 46,958.33
72 1,662.71 704.38 958.33 46,000.00
73 1,648.33 690.00 958.33 45,041.67
74 1,633.96 675.63 958.33 44,083.33
75 1,619.58 661.25 958.33 43,125.00
76 1,605.21 646.88 958.33 42,166.67
77 1,590.83 632.50 958.33 41,208.33
78 1,576.46 618.13 958.33 40,250.00
79 1,562.08 603.75 958.33 39,291.67
80 1,547.71 589.38 958.33 38,333.33
 81 1,533.33 575.00 958.33 37,375.00
82 1,518.96 560.63 958.33 36,416.67
83 1,504.58 546.25 958.33 35,458.33
84 1,490.21 531.88 958.33 34,500.00
85 1,475.83 517.50 958.33 33,541.67
86 1,461.46 503.13 958.33 32,583.33
87 1,447.08 488.75 958.33 31,625.00
88 1,432.71 474.38 958.33 30,666.67
89 1,418.33 460.00 958.33 29,708.33
90 1,403.96 445.63 958.33 28,750.00
91 1,389.58 431.25 958.33 27,791.67
92 1,375.21 416.88 958.33 26,833.33
93 1,360.83 402.50 958.33 25,875.00
94 1,346.46 388.13 958.33 24,916.67
95 1,332.08 373.75 958.33 23,958.33
96 1,317.71 359.38 958.33 23,000.00
97 1,303.33 345.00 958.33 22,041.67
98 1,288.96 330.63 958.33 21,083.33
99 1,274.58 316.25 958.33 20,125.00
100 1,260.21 301.88 958.33 19,166.67
101 1,245.83 287.50 958.33 18,208.33
102 1,231.46 273.13 958.33 17,250.00
103 1,217.08 258.75 958.33 16,291.67
104 1,202.71 244.38 958.33 15,333.33
105 1,188.33 230.00 958.33 14,375.00
106 1,173.96 215.63 958.33 13,416.67
107 1,159.58 201.25 958.33 12,458.33
108 1,145.21 186.88 958.33 11,500.00
109 1,130.83 172.50 958.33 10,541.67
110 1,116.46 158.13 958.33 9,583.33
111 1,102.08 143.75 958.33 8,625.00
112 1,087.71 129.38 958.33 7,666.67
113 1,073.33 115.00 958.33 6,708.33
114 1,058.96 100.63 958.33 5,750.00
115 1,044.58 86.25 958.33 4,791.67
116 1,030.21 71.88 958.33 3,833.33
117 1,015.83 57.50 958.33 2,875.00
118 1,001.46 43.13 958.33 1,916.67
119 987.08 28.75 958.33 958.33
120 972.71 14.38 958.33 0.00

b) Dif. Cuotas 14.38

d) Saldo Mes 50 67,083.33
Plazo extra 90 meses
Plazo Total 210 meses
 Capital 419.27

Numero Cuota Cuota Mensual Interes Capital Saldo Insoluto

0 67,083.33
1 1,425.52 1,006.25 419.27 66,664.06

e) Cuota 4,800.00
Capital 115,000.00
i 1.50% mensual
n 29.91 meses

f) Saldo Mes 48 69,000.00

Interes Mes 33 1,265.00