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Cuadro de Amortizacion de Prestamos PRESTAMO TOTAL Cantidad de Años Comisión de apert Interés nominal Periodo de pago Coste efectivo Tipo amortización americano PROMEDIO
91.67
SUMATORIO 10,541.67 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 9.59 0.00% 11.00% 12 1.11% 3
92 10,541.67 Intereses
1 2 3
0.00 0 Amortizacion
Amortizado
Pendiente 10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
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10,000.00
91.67
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0.00
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10,000.00
91.67
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91.67
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91.67
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0.00
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10,000.00
91.67
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91.67
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91.67
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10,000.00
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10,000.00
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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
91.67
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10,000.00
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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
91.67
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PRES TOTAL 10000
AÑOS 9.59
INTERES PERIODO PAGO AMORTI 11% 12 3
MATRIZ SOLO VALIDA PARA METODO DE AM VALOR ACCIONES PROVENIENTES DE LOS INTERESES 10,541.67 VALORACION FINAL ACCIONES 28678.51 NUEVAS ACCIONES 5280 VALOR FINAL TOTAL ACCIONES 43042.71 PRESTAMO TOTAL INICIAL 20,541.67 PRESTAMO TOTAL CON NUEVAS ACCIONES: 25,821.67
RESIDUO AMORTI PRES. INICIO 17219.64 VALOR FUTUTO DEL BIEN 27204.91 CUOTA SISTEMA 2838.41 CUOTA SIN SISTEMA 1099.24 2141.99 "=CON LA AMORTIZACION" V FUTUTO/RESIDUO EN % 158%
INTERESES TOTAL CON NUEVAS ACCIONES V FUTURO/VALOR INICIO EN % 27220.34 272% PENDIENTE DE DEVOLUCION TOTAL: DISMINUCION DE COSTE EN % disminucion coste respetando prec 25,821.67 63% 100% NETO DESEADO SEA 0: 0.70 AHORRO CUOTA SIN SISTEMA NETO TOTAL: -9,999.30 696.42 TOTAL ACCIONES 15,821.67 AHORRO SIN SISTEMA=RESIDUO 6678.67 DISMINUCION COSTE SIN SISTEMA EN % ESTE ES EL OPTIMO QUE YO RECOMIENDO 25% EN MEDIA, A PARTIR DE DISMINUCION SISTEMA & SIN SISTEMA EN % AHÍ ADAPTAR LAS 258% PREFERENCIAS.
NETO DESEADO SEA 0 TIPO INTERSES AÑOS ACC NUEVAS TOTAL ACC C. SIN SIS CUOTA SIS AUMEN CUO 5% 40 -15050 34848 750 747.5 -2.5 5% 35 -11173 34900 786 816.35 30.35 5% 32 -8610 7390 812.5 869.5 57 5% 30 -6767 8233 833.33 911.65 78.32 5% 23.75 17 11892 921 1094.6 173.6 5% 20 5307 15307 1000 1265.35 265.35 5% 19 6965 16465 1026.32 1323.25 296.93 5% 18 8765 17765 1056 1388 332 5% 16 12895 20895 1125 1544.75 419.75 5% 14 18000 25000 1214 1750 536 5% 12 24635 55016 1333 2031.75 698.75 5% 10 33790 63185 1500 2439.5 939.5 5% 7.83 49135 77746 1776 3152 1376 5% 7 57800 86255 1929 3565 1636 5 92600 121374 2500 5255 2755 5% PRESTAMO= 10000 11% 9.59 5280 15,821.67 2141.99 2838.41 696.42 NETO= 0.70 HAGAN SUS PRUEBAS CON ESTE CUADRO RESUMEN DE AUTOCALCU ESCRIBA SOLO EN LOS NUMEROS DEL CUADRO TRATA APROXIMAR NETO=0 2%
40
11600
19600
450
592
142
3% 4% 5% 6% 7% 8% 9% 10% 11%
30 23 19 16 14 12.5 11.25 10.42 9.59
8000 7650 6965 6930 6575 6200 6095 5450 5280
17000 16850 16465 16530 16375 16200 16220 15866 15821
633 834.78 1026.32 1225 1414 1600 1788 1959 2141
810 1074 1323.25 1591 1846 2096 2359 2586 2838
176 239 296.93 367 431 496 570 626 696
VALIDA PARA METODO DE AMORTIZACION AMERICANO
CON LA AMORTIZACION"
sminucion coste respetando precio origen:
AU CUO % 0% 4% 7% 9% 19% 27% 29% 31% 37% 44% 52% 63% 77% 85% 110%
DIS REL -19900% 1732% 977% 738% 388% 288% 268% 250% 219% 193% 172% 153% 136% 131% 118%
33% 258% RO RESUMEN DE AUTOCALCULO
32%
241%
DIS COSTE DIS C-AU CU DIS C. OR. 28% 28% 33% 34% 30% 41% 37% 30% 47% 40% 31% 56% 50% 31% 73% 58% 31% 93% 60% 31% 99% 62% 31% 107% 67% 30% 124% 73% 29% 148% 80% 28% 181% 88% 25% 229% 100% 23% 316% 106% 21% 367% 128% 18% 589% 63%
31%
100%
62%
31%
113%
28% 29% 29% 30% 31% 31% 32% 32% 33%
271% 268% 268% 264% 262% 261% 358% 259% 258%
59% 60% 60% 61% 61% 62% 63% 63% 63%
31% 31% 31% 31% 31% 31% 31% 31% 31%
100% 101% 99% 100% 100% 100% 101% 100% 100%
91.67
SUMATORIO 10,541.67 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 9.59 0.00% 11.00% 12 1.11% 3
92 10,541.67 Intereses
1 2 3
0.00 0 Amortizacion
Amortizado
Pendiente 10,000.00
91.67
91.67
0.00
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10,000.00
91.67
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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
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10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
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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
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
0.00
10,000.00
91.67
91.67
0.00
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10,000.00
91.67
91.67
0.00
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10,000.00
91.67
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10,000.00
91.67
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91.67
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91.67
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91.67
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91.67
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91.67
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91.67
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91.67
91.67
0.00
0.00
10,000.00
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PRES TOTAL 10000
AÑOS 9.59
INTERES PERIODO PAGO AMORTI 11% 12 3
MATRIZ SOLO VALIDA PARA METODO DE AM VALOR ACCIONES PROVENIENTES DE LOS INTERESES 10,541.67 VALORACION FINAL ACCIONES 28678.51 NUEVAS ACCIONES 5280 VALOR FINAL TOTAL ACCIONES 43042.71 PRESTAMO TOTAL INICIAL 20,541.67 PRESTAMO TOTAL CON NUEVAS ACCIONES: 25,821.67
RESIDUO AMORTI PRES. INICIO 17219.64 VALOR FUTUTO DEL BIEN 27204.91 CUOTA SISTEMA 2838.41 CUOTA SIN SISTEMA 1099.24 2141.99 "=CON LA AMORTIZACION" V FUTUTO/RESIDUO EN % 158%
INTERESES TOTAL CON NUEVAS ACCIONES V FUTURO/VALOR INICIO EN % 27220.34 272% PENDIENTE DE DEVOLUCION TOTAL: DISMINUCION DE COSTE EN % disminucion coste respetando prec 25,821.67 63% 100% NETO DESEADO SEA 0: 0.70 AHORRO CUOTA SIN SISTEMA NETO TOTAL: -9,999.30 696.42 TOTAL ACCIONES 15,821.67 AHORRO SIN SISTEMA=RESIDUO 6678.67 DISMINUCION COSTE SIN SISTEMA EN % ESTE ES EL OPTIMO QUE YO RECOMIENDO 25% EN MEDIA, A PARTIR DE DISMINUCION SISTEMA & SIN SISTEMA EN % AHÍ ADAPTAR LAS 258% PREFERENCIAS.
NETO DESEADO SEA 0 TIPO INTERSES AÑOS ACC NUEVAS TOTAL ACC C. SIN SIS CUOTA SIS AUMEN CUO 5% 40 -15050 34848 750 747.5 -2.5 5% 35 -11173 34900 786 816.35 30.35 5% 32 -8610 7390 812.5 869.5 57 5% 30 -6767 8233 833.33 911.65 78.32 5% 23.75 17 11892 921 1094.6 173.6 5% 20 5307 15307 1000 1265.35 265.35 5% 19 6965 16465 1026.32 1323.25 296.93 5% 18 8765 17765 1056 1388 332 5% 16 12895 20895 1125 1544.75 419.75 5% 14 18000 25000 1214 1750 536 5% 12 24635 55016 1333 2031.75 698.75 5% 10 33790 63185 1500 2439.5 939.5 5% 7.83 49135 77746 1776 3152 1376 5% 7 57800 86255 1929 3565 1636 5 92600 121374 2500 5255 2755 5% PRESTAMO= 10000 11% 9.59 5280 15,821.67 2141.99 2838.41 696.42 NETO= 0.70 HAGAN SUS PRUEBAS CON ESTE CUADRO RESUMEN DE AUTOCALCU ESCRIBA SOLO EN LOS NUMEROS DEL CUADRO TRATA APROXIMAR NETO=0 2%
40
11600
19600
450
592
142
3% 4% 5% 6% 7% 8% 9% 10% 11%
30 23 19 16 14 12.5 11.25 10.42 9.59
8000 7650 6965 6930 6575 6200 6095 5450 5280
17000 16850 16465 16530 16375 16200 16220 15866 15821
633 834.78 1026.32 1225 1414 1600 1788 1959 2141
810 1074 1323.25 1591 1846 2096 2359 2586 2838
176 239 296.93 367 431 496 570 626 696
VALIDA PARA METODO DE AMORTIZACION AMERICANO
CON LA AMORTIZACION"
sminucion coste respetando precio origen:
AU CUO % 0% 4% 7% 9% 19% 27% 29% 31% 37% 44% 52% 63% 77% 85% 110%
DIS REL -19900% 1732% 977% 738% 388% 288% 268% 250% 219% 193% 172% 153% 136% 131% 118%
33% 258% RO RESUMEN DE AUTOCALCULO
32%
241%
DIS COSTE DIS C-AU CU DIS C. OR. 28% 28% 33% 34% 30% 41% 37% 30% 47% 40% 31% 56% 50% 31% 73% 58% 31% 93% 60% 31% 99% 62% 31% 107% 67% 30% 124% 73% 29% 148% 80% 28% 181% 88% 25% 229% 100% 23% 316% 106% 21% 367% 128% 18% 589% 63%
31%
100%
62%
31%
113%
28% 29% 29% 30% 31% 31% 32% 32% 33%
271% 268% 268% 264% 262% 261% 358% 259% 258%
59% 60% 60% 61% 61% 62% 63% 63% 63%
31% 31% 31% 31% 31% 31% 31% 31% 31%
100% 101% 99% 100% 100% 100% 101% 100% 100%
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