Aleman

  • November 2019
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PRES TOTAL 10000

AÑOS 12

INTERESPERIODO PAGO AMORTI 7% 12 2

MATRIZ SOLO VALIDA PARA METODO VALOR ACCIONES PROVENIENTES DE LOS INTERESES 4,229.17 RESIDUO AMORTI PRES. INICIO VALORACION FINAL ACCIONES 10508.37 9524.89 VALOR FUTUTO DEL BIEN 22521.92 NUEVAS ACCIONES -998 CUOTA SISTEMA VALOR FINAL TOTAL ACCIONES 1568.9

7277.21 CUOTA SIN SISTEMA PRESTAMO TOTAL INICIAL 1185.76 1185.76 14,229.17 PRESTAMO TOTAL CON NUEVAS ACCIONES: V FUTUTO/RESIDUO EN % 13,231.17 214% INTERESES TOTAL CON NUEVAS ACCIONES V FUTURO/VALOR INICIO EN % 5595.68

NETO DESEADO SEA 0: NETO TOTAL: -1,681.53 TOTAL ACCIONES

"=CON LA AMORTIZACIO

225% DISMINUCION DE COSTE EN % TOTALdismin en coste respetand 47% 84% -1,681.53 AHORRO CUOTA SIN SISTEMA 383.14 3,231.17 AHORRO SIN SISTEMA=RESIDUO 4597.68 DISMINUCION COSTE SIN SISTEMA EN % 20% DISMINUCION SISTEMA & SIN SISTEMA EN % 229%

NETO DESEADO SEA 0 TIPO INTERSES AÑOS ACC NUEVAS TOTAL ACC C. SIN SIS CUOTA SIS AUMEN CUO 5% 40 -8361 1659 500 584 84 5% 35 -6880 1890 536 638 102 5% 32 -5997 2024 563 677 114 5% 30 -5414 2107 584 707 123 5% 23.75 -3658 2300 671.93 826.5 154.57 5% 20 -2686 2335 751 926 175 5% 18 -2208 2313 807 993 186 5% 16 -1763 2258 876 1074 198 5% 14 -1358 2163 966 1175 209 5% 12 -998 2023 1085 1304 219 5% 10 -689 1832 1252 1490 238 5% 7.83 -418 1562 1529 1768 239 5% 7 -331 1440 1682 1924 242 5 -165 1106 2254 2503 249 5%

40 35 32

30 23.75 20 18 16 14 12 10 7.83 7 5

persona rica que valora mucho su disminucion de coste

alisado ampliando 40 35 32 30 23.75 20 18 16 14 12 10 7.83 7 5

40 35 32 30 23.75 20 18 16 14 12 10 7.83 7 5

persona con restricion economica

persona a quien importa mucho tanto el ahorro de coste como el aumento de cuota

HEMOS TENIDO QUE NORMALIZAR LOS ALISADOS Y EN ULTIMO LUGAR PARA HAYAR LA UTILIDAD DESACER EL ALISADO NORMALIZADO

O VALIDA PARA METODO DE AMORTIZACION ALEMAN:

=CON LA AMORTIZACION"

ismin en coste respetando precio original

AU CUO % 17% 19% 20% 21% 23% 23% 23% 23% 22% 20% 19% 16% 14% 11%

17% 19% 20%

DIS REL 402% 347% 320% 304% 262% 243% 235% 227% 220% 215% 210% 206% 204% 202%

DIS COSTE DIS C-AU CUdis cos teo 19% 2% 22% 22% 3% 27% 24% 4% 31% 26% 5% 34% 30% 7% 44% 32% 9% 52% 33% 10% 56% 33% 10% 61% 33% 11% 66% 31% 11% 71% 30% 11% 77% 26% 10% 83% 25% 11% 85% 20% 9% 91%

alisado 11% 15% 17%

-6% -5% -3%

4% 5% 7% 9% 13% 17% 20% 22% 25% 27% 29% 31% 32% 32%

34% 56% 82% 75% 111% 123% 116% 138% 85% 116% 82% 106% -5% PERSONA SIN PREFERENCIA REVELADA

ESTE ES EL OPTIMO, PARA PERSONA SIN PREFENCIA, COMO PARA UNA QUE MUE PREFERENCIA POR LA CUO COMO POR EL AHORRO, Y FORMA DE CARACTERIZAR QUE COINCIDE CON EL PER DE MAXIMA CERTIDUMBRE HEMOS SEÑALADO EN TOD LIBRO, SOLO QUE AHORA NUMERO DE ACCIONES ES INFERIOR AL 100% DEL PRESTAMO, PARA EL METO ALEMAN ES DEL 22% DEL PRESTAMO EN ACCIONES.

21% 23% 23% 23% 23% 22% 20% 19% 16% 14% 11%

20% 27% 31% 33% 33% 33% 29% 27% 20% 19% 12%

-1% 4% 7% 9.622% 10.067% 11.034% 8.646% 8% 5% 4% 1%

alisado ampliando valor 12% 19% 7% 15% 22% 7% 17% 24% 7% 19% 26% 7% 22% 30% 8% 23% 32% 9% 23% esto me sirve para demostrar 33% que 10% 22% ninguna persona con pobreza, 33% debe 11% pues de el el 13% 20% tener miedo al prestamo33% obtiene mas utilidad que un rico y que 17% un ciudadano medio. 31% 14% 15% 30% 14.694% 10% 26% 15.651% 9% 25% 16.232% 5% 20% 14.831% alisado 15% 19% 21% 23% 27% 28% 27% 26% 24% 21% 19% 13% 11% 6%

alisado 15% 21% 24% 29% 38% 43% 46% 46% 46% 41% 38% 29% 27% 17%

1% 2% 3% 6% 11% 15% 18.807% 19.856% 22.062% 19.762% 19.548% 16.080% 15.841% 11%

11.034%

16.232%

13.189%

ESTE ES EL OPTIMO, PARA UNA PERSONA SIN PREFENCIA, COMO PARA UNA QUE MUESTRA PREFERENCIA POR LA CUOTA COMO POR EL AHORRO, Y LA FORMA DE CARACTERIZARLO ES QUE COINCIDE CON EL PERIODO DE MAXIMA CERTIDUMBRE QUE HEMOS SEÑALADO EN TODO EL LIBRO, SOLO QUE AHORA EL NUMERO DE ACCIONES ES MUY INFERIOR AL 100% DEL PRESTAMO, PARA EL METODO ALEMAN ES DEL 22% DEL PRESTAMO EN ACCIONES.

Cuadro de Amortizacion de Prestamos PRESTAMO TOTAL Cantidad de Años Comisión de apert Interés nominal Periodo de pago Coste efectivo Tipo amortización cuotas constantes PROMEDIO

98.81

SUMATORIO 14,229.17 Cuota Mensual Meses ###

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0 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

10,000 12 0.00% 7.00% 12 7.23% 2

29 4,229.17 Intereses

NO ESCRIBIR AQUÍ, HACERLO EN LA HOJA DE RESULTADOS.

69.44 10,000 Amortizacion

1 2 3

Amortizado

Pendiente 10,000.00

127.78

58.33

69.44

69.44

9,930.56

127.37

57.93

69.44

138.89

9,861.11

126.97

57.52

69.44

208.33

9,791.67

126.56

57.12

69.44

277.78

9,722.22

126.16

56.71

69.44

347.22

9,652.78

125.75

56.31

69.44

416.67

9,583.33

125.35

55.90

69.44

486.11

9,513.89

124.94

55.50

69.44

555.56

9,444.44

124.54

55.09

69.44

625.00

9,375.00

124.13

54.69

69.44

694.44

9,305.56

123.73

54.28

69.44

763.89

9,236.11

123.32

53.88

69.44

833.33

9,166.67

122.92

53.47

69.44

902.78

9,097.22

122.51

53.07

69.44

972.22

9,027.78

122.11

52.66

69.44

1,041.67

8,958.33

121.70

52.26

69.44

1,111.11

8,888.89

121.30

51.85

69.44

1,180.56

8,819.44

120.89

51.45

69.44

1,250.00

8,750.00

120.49

51.04

69.44

1,319.44

8,680.56

120.08

50.64

69.44

1,388.89

8,611.11

119.68

50.23

69.44

1,458.33

8,541.67

119.27

49.83

69.44

1,527.78

8,472.22

118.87

49.42

69.44

1,597.22

8,402.78

118.46

49.02

69.44

1,666.67

8,333.33

118.06

48.61

69.44

1,736.11

8,263.89

117.65

48.21

69.44

1,805.56

8,194.44

117.25

47.80

69.44

1,875.00

8,125.00

116.84

47.40

69.44

1,944.44

8,055.56

116.44

46.99

69.44

2,013.89

7,986.11

116.03

46.59

69.44

2,083.33

7,916.67

115.63

46.18

69.44

2,152.78

7,847.22

115.22

45.78

69.44

2,222.22

7,777.78

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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 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84

114.81

45.37

69.44

2,291.67

7,708.33

114.41

44.97

69.44

2,361.11

7,638.89

114.00

44.56

69.44

2,430.56

7,569.44

113.60

44.16

69.44

2,500.00

7,500.00

113.19

43.75

69.44

2,569.44

7,430.56

112.79

43.34

69.44

2,638.89

7,361.11

112.38

42.94

69.44

2,708.33

7,291.67

111.98

42.53

69.44

2,777.78

7,222.22

111.57

42.13

69.44

2,847.22

7,152.78

111.17

41.72

69.44

2,916.67

7,083.33

110.76

41.32

69.44

2,986.11

7,013.89

110.36

40.91

69.44

3,055.56

6,944.44

109.95

40.51

69.44

3,125.00

6,875.00

109.55

40.10

69.44

3,194.44

6,805.56

109.14

39.70

69.44

3,263.89

6,736.11

108.74

39.29

69.44

3,333.33

6,666.67

108.33

38.89

69.44

3,402.78

6,597.22

107.93

38.48

69.44

3,472.22

6,527.78

107.52

38.08

69.44

3,541.67

6,458.33

107.12

37.67

69.44

3,611.11

6,388.89

106.71

37.27

69.44

3,680.56

6,319.44

106.31

36.86

69.44

3,750.00

6,250.00

105.90

36.46

69.44

3,819.44

6,180.56

105.50

36.05

69.44

3,888.89

6,111.11

105.09

35.65

69.44

3,958.33

6,041.67

104.69

35.24

69.44

4,027.78

5,972.22

104.28

34.84

69.44

4,097.22

5,902.78

103.88

34.43

69.44

4,166.67

5,833.33

103.47

34.03

69.44

4,236.11

5,763.89

103.07

33.62

69.44

4,305.56

5,694.44

102.66

33.22

69.44

4,375.00

5,625.00

102.26

32.81

69.44

4,444.44

5,555.56

101.85

32.41

69.44

4,513.89

5,486.11

101.45

32.00

69.44

4,583.33

5,416.67

101.04

31.60

69.44

4,652.78

5,347.22

100.64

31.19

69.44

4,722.22

5,277.78

100.23

30.79

69.44

4,791.67

5,208.33

99.83

30.38

69.44

4,861.11

5,138.89

99.42

29.98

69.44

4,930.56

5,069.44

99.02

29.57

69.44

5,000.00

5,000.00

98.61

29.17

69.44

5,069.44

4,930.56

98.21

28.76

69.44

5,138.89

4,861.11

97.80

28.36

69.44

5,208.33

4,791.67

97.40

27.95

69.44

5,277.78

4,722.22

96.99

27.55

69.44

5,347.22

4,652.78

96.59

27.14

69.44

5,416.67

4,583.33

96.18

26.74

69.44

5,486.11

4,513.89

95.78

26.33

69.44

5,555.56

4,444.44

95.37

25.93

69.44

5,625.00

4,375.00

94.97

25.52

69.44

5,694.44

4,305.56

94.56

25.12

69.44

5,763.89

4,236.11

94.16

24.71

69.44

5,833.33

4,166.67

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85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136

93.75

24.31

69.44

5,902.78

4,097.22

93.34

23.90

69.44

5,972.22

4,027.78

92.94

23.50

69.44

6,041.67

3,958.33

92.53

23.09

69.44

6,111.11

3,888.89

92.13

22.69

69.44

6,180.56

3,819.44

91.72

22.28

69.44

6,250.00

3,750.00

91.32

21.88

69.44

6,319.44

3,680.56

90.91

21.47

69.44

6,388.89

3,611.11

90.51

21.06

69.44

6,458.33

3,541.67

90.10

20.66

69.44

6,527.78

3,472.22

89.70

20.25

69.44

6,597.22

3,402.78

89.29

19.85

69.44

6,666.67

3,333.33

88.89

19.44

69.44

6,736.11

3,263.89

88.48

19.04

69.44

6,805.56

3,194.44

88.08

18.63

69.44

6,875.00

3,125.00

87.67

18.23

69.44

6,944.44

3,055.56

87.27

17.82

69.44

7,013.89

2,986.11

86.86

17.42

69.44

7,083.33

2,916.67

86.46

17.01

69.44

7,152.78

2,847.22

86.05

16.61

69.44

7,222.22

2,777.78

85.65

16.20

69.44

7,291.67

2,708.33

85.24

15.80

69.44

7,361.11

2,638.89

84.84

15.39

69.44

7,430.56

2,569.44

84.43

14.99

69.44

7,500.00

2,500.00

84.03

14.58

69.44

7,569.44

2,430.56

83.62

14.18

69.44

7,638.89

2,361.11

83.22

13.77

69.44

7,708.33

2,291.67

82.81

13.37

69.44

7,777.78

2,222.22

82.41

12.96

69.44

7,847.22

2,152.78

82.00

12.56

69.44

7,916.67

2,083.33

81.60

12.15

69.44

7,986.11

2,013.89

81.19

11.75

69.44

8,055.56

1,944.44

80.79

11.34

69.44

8,125.00

1,875.00

80.38

10.94

69.44

8,194.44

1,805.56

79.98

10.53

69.44

8,263.89

1,736.11

79.57

10.13

69.44

8,333.33

1,666.67

79.17

9.72

69.44

8,402.78

1,597.22

78.76

9.32

69.44

8,472.22

1,527.78

78.36

8.91

69.44

8,541.67

1,458.33

77.95

8.51

69.44

8,611.11

1,388.89

77.55

8.10

69.44

8,680.56

1,319.44

77.14

7.70

69.44

8,750.00

1,250.00

76.74

7.29

69.44

8,819.44

1,180.56

76.33

6.89

69.44

8,888.89

1,111.11

75.93

6.48

69.44

8,958.33

1,041.67

75.52

6.08

69.44

9,027.78

972.22

75.12

5.67

69.44

9,097.22

902.78

74.71

5.27

69.44

9,166.67

833.33

74.31

4.86

69.44

9,236.11

763.89

73.90

4.46

69.44

9,305.56

694.44

73.50

4.05

69.44

9,375.00

625.00

73.09

3.65

69.44

9,444.44

555.56

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137 138 139 140 141 142 143 144

72.69

3.24

69.44

9,513.89

486.11

72.28

2.84

69.44

9,583.33

416.67

71.88

2.43

69.44

9,652.78

347.22

71.47

2.03

69.44

9,722.22

277.78

71.06

1.62

69.44

9,791.67

208.33

70.66

1.22

69.44

9,861.11

138.89

70.25

0.81

69.44

9,930.56

69.44

69.85

0.41

69.44

10,000.00

0.00

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