Frances Finito
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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 francés PROMEDIO
48.22
SUMATORIO 23,145.44 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 40 0.00% 5.00% 12 5.12% 1
27 13,145.44 Intereses
1 2 3
20.83 10,000 Amortizacion
Amortizado
Pendiente 10,000.00
48.22
41.67
6.55
6.55
9,993.45
48.22
41.64
6.58
13.13
9,986.87
48.22
41.61
6.61
19.74
9,980.26
48.22
41.58
6.64
26.38
9,973.62
48.22
41.56
6.66
33.04
9,966.96
48.22
41.53
6.69
39.73
9,960.27
48.22
41.50
6.72
46.45
9,953.55
48.22
41.47
6.75
53.19
9,946.81
48.22
41.45
6.77
59.97
9,940.03
48.22
41.42
6.80
66.77
9,933.23
48.22
41.39
6.83
73.60
9,926.40
48.22
41.36
6.86
80.46
9,919.54
48.22
41.33
6.89
87.35
9,912.65
48.22
41.30
6.92
94.27
9,905.73
48.22
41.27
6.95
101.21
9,898.79
48.22
41.24
6.97
108.19
9,891.81
48.22
41.22
7.00
115.19
9,884.81
48.22
41.19
7.03
122.23
9,877.77
48.22
41.16
7.06
129.29
9,870.71
48.22
41.13
7.09
136.38
9,863.62
48.22
41.10
7.12
143.50
9,856.50
48.22
41.07
7.15
150.65
9,849.35
48.22
41.04
7.18
157.83
9,842.17
48.22
41.01
7.21
165.04
9,834.96
48.22
40.98
7.24
172.28
9,827.72
48.22
40.95
7.27
179.55
9,820.45
48.22
40.92
7.30
186.86
9,813.14
48.22
40.89
7.33
194.19
9,805.81
48.22
40.86
7.36
201.55
9,798.45
48.22
40.83
7.39
208.94
9,791.06
48.22
40.80
7.42
216.37
9,783.63
48.22
40.77
7.45
223.82
9,776.18
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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
48.22
40.73
7.49
231.31
9,768.69
48.22
40.70
7.52
238.82
9,761.18
48.22
40.67
7.55
246.37
9,753.63
48.22
40.64
7.58
253.95
9,746.05
48.22
40.61
7.61
261.56
9,738.44
48.22
40.58
7.64
269.20
9,730.80
48.22
40.54
7.67
276.88
9,723.12
48.22
40.51
7.71
284.59
9,715.41
48.22
40.48
7.74
292.32
9,707.68
48.22
40.45
7.77
300.10
9,699.90
48.22
40.42
7.80
307.90
9,692.10
48.22
40.38
7.84
315.73
9,684.27
48.22
40.35
7.87
323.60
9,676.40
48.22
40.32
7.90
331.50
9,668.50
48.22
40.29
7.93
339.44
9,660.56
48.22
40.25
7.97
347.41
9,652.59
48.22
40.22
8.00
355.41
9,644.59
48.22
40.19
8.03
363.44
9,636.56
48.22
40.15
8.07
371.51
9,628.49
48.22
40.12
8.10
379.61
9,620.39
48.22
40.08
8.13
387.74
9,612.26
48.22
40.05
8.17
395.91
9,604.09
48.22
40.02
8.20
404.11
9,595.89
48.22
39.98
8.24
412.35
9,587.65
48.22
39.95
8.27
420.62
9,579.38
48.22
39.91
8.31
428.93
9,571.07
48.22
39.88
8.34
437.27
9,562.73
48.22
39.84
8.37
445.64
9,554.36
48.22
39.81
8.41
454.05
9,545.95
48.22
39.77
8.44
462.50
9,537.50
48.22
39.74
8.48
470.98
9,529.02
48.22
39.70
8.52
479.49
9,520.51
48.22
39.67
8.55
488.04
9,511.96
48.22
39.63
8.59
496.63
9,503.37
48.22
39.60
8.62
505.25
9,494.75
48.22
39.56
8.66
513.91
9,486.09
48.22
39.53
8.69
522.61
9,477.39
48.22
39.49
8.73
531.34
9,468.66
48.22
39.45
8.77
540.10
9,459.90
48.22
39.42
8.80
548.91
9,451.09
48.22
39.38
8.84
557.75
9,442.25
48.22
39.34
8.88
566.62
9,433.38
48.22
39.31
8.91
575.54
9,424.46
48.22
39.27
8.95
584.49
9,415.51
48.22
39.23
8.99
593.48
9,406.52
48.22
39.19
9.03
602.50
9,397.50
48.22
39.16
9.06
611.57
9,388.43
48.22
39.12
9.10
620.67
9,379.33
48.22
39.08
9.14
629.81
9,370.19
48.22
39.04
9.18
638.98
9,361.02
48.22
39.00
9.22
648.20
9,351.80
48.22
38.97
9.25
657.45
9,342.55
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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
48.22
38.93
9.29
666.75
9,333.25
48.22
38.89
9.33
676.08
9,323.92
48.22
38.85
9.37
685.45
9,314.55
48.22
38.81
9.41
694.86
9,305.14
48.22
38.77
9.45
704.30
9,295.70
48.22
38.73
9.49
713.79
9,286.21
48.22
38.69
9.53
723.32
9,276.68
48.22
38.65
9.57
732.89
9,267.11
48.22
38.61
9.61
742.49
9,257.51
48.22
38.57
9.65
752.14
9,247.86
48.22
38.53
9.69
761.83
9,238.17
48.22
38.49
9.73
771.55
9,228.45
48.22
38.45
9.77
781.32
9,218.68
48.22
38.41
9.81
791.13
9,208.87
48.22
38.37
9.85
800.98
9,199.02
48.22
38.33
9.89
810.87
9,189.13
48.22
38.29
9.93
820.80
9,179.20
48.22
38.25
9.97
830.77
9,169.23
48.22
38.21
10.01
840.79
9,159.21
48.22
38.16
10.06
850.84
9,149.16
48.22
38.12
10.10
860.94
9,139.06
48.22
38.08
10.14
871.08
9,128.92
48.22
38.04
10.18
881.27
9,118.73
48.22
37.99
10.22
891.49
9,108.51
48.22
37.95
10.27
901.76
9,098.24
48.22
37.91
10.31
912.07
9,087.93
48.22
37.87
10.35
922.42
9,077.58
48.22
37.82
10.40
932.82
9,067.18
48.22
37.78
10.44
943.26
9,056.74
48.22
37.74
10.48
953.74
9,046.26
48.22
37.69
10.53
964.27
9,035.73
48.22
37.65
10.57
974.84
9,025.16
48.22
37.60
10.61
985.45
9,014.55
48.22
37.56
10.66
996.11
9,003.89
48.22
37.52
10.70
1,006.82
8,993.18
48.22
37.47
10.75
1,017.56
8,982.44
48.22
37.43
10.79
1,028.36
8,971.64
48.22
37.38
10.84
1,039.19
8,960.81
48.22
37.34
10.88
1,050.08
8,949.92
48.22
37.29
10.93
1,061.01
8,938.99
48.22
37.25
10.97
1,071.98
8,928.02
48.22
37.20
11.02
1,083.00
8,917.00
48.22
37.15
11.07
1,094.06
8,905.94
48.22
37.11
11.11
1,105.18
8,894.82
48.22
37.06
11.16
1,116.33
8,883.67
48.22
37.02
11.20
1,127.54
8,872.46
48.22
36.97
11.25
1,138.79
8,861.21
48.22
36.92
11.30
1,150.09
8,849.91
48.22
36.87
11.35
1,161.43
8,838.57
48.22
36.83
11.39
1,172.82
8,827.18
48.22
36.78
11.44
1,184.26
8,815.74
48.22
36.73
11.49
1,195.75
8,804.25
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137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188
48.22
36.68
11.54
1,207.29
8,792.71
48.22
36.64
11.58
1,218.87
8,781.13
48.22
36.59
11.63
1,230.50
8,769.50
48.22
36.54
11.68
1,242.18
8,757.82
48.22
36.49
11.73
1,253.91
8,746.09
48.22
36.44
11.78
1,265.69
8,734.31
48.22
36.39
11.83
1,277.52
8,722.48
48.22
36.34
11.88
1,289.39
8,710.61
48.22
36.29
11.93
1,301.32
8,698.68
48.22
36.24
11.98
1,313.29
8,686.71
48.22
36.19
12.03
1,325.32
8,674.68
48.22
36.14
12.08
1,337.39
8,662.61
48.22
36.09
12.13
1,349.52
8,650.48
48.22
36.04
12.18
1,361.69
8,638.31
48.22
35.99
12.23
1,373.92
8,626.08
48.22
35.94
12.28
1,386.20
8,613.80
48.22
35.89
12.33
1,398.53
8,601.47
48.22
35.84
12.38
1,410.91
8,589.09
48.22
35.79
12.43
1,423.34
8,576.66
48.22
35.74
12.48
1,435.82
8,564.18
48.22
35.68
12.54
1,448.36
8,551.64
48.22
35.63
12.59
1,460.95
8,539.05
48.22
35.58
12.64
1,473.59
8,526.41
48.22
35.53
12.69
1,486.28
8,513.72
48.22
35.47
12.75
1,499.02
8,500.98
48.22
35.42
12.80
1,511.82
8,488.18
48.22
35.37
12.85
1,524.68
8,475.32
48.22
35.31
12.91
1,537.58
8,462.42
48.22
35.26
12.96
1,550.54
8,449.46
48.22
35.21
13.01
1,563.55
8,436.45
48.22
35.15
13.07
1,576.62
8,423.38
48.22
35.10
13.12
1,589.75
8,410.25
48.22
35.04
13.18
1,602.92
8,397.08
48.22
34.99
13.23
1,616.15
8,383.85
48.22
34.93
13.29
1,629.44
8,370.56
48.22
34.88
13.34
1,642.78
8,357.22
48.22
34.82
13.40
1,656.18
8,343.82
48.22
34.77
13.45
1,669.63
8,330.37
48.22
34.71
13.51
1,683.14
8,316.86
48.22
34.65
13.57
1,696.71
8,303.29
48.22
34.60
13.62
1,710.33
8,289.67
48.22
34.54
13.68
1,724.01
8,275.99
48.22
34.48
13.74
1,737.75
8,262.25
48.22
34.43
13.79
1,751.54
8,248.46
48.22
34.37
13.85
1,765.39
8,234.61
48.22
34.31
13.91
1,779.30
8,220.70
48.22
34.25
13.97
1,793.27
8,206.73
48.22
34.19
14.02
1,807.29
8,192.71
48.22
34.14
14.08
1,821.38
8,178.62
48.22
34.08
14.14
1,835.52
8,164.48
48.22
34.02
14.20
1,849.72
8,150.28
48.22
33.96
14.26
1,863.98
8,136.02
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189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240
48.22
33.90
14.32
1,878.30
8,121.70
48.22
33.84
14.38
1,892.68
8,107.32
48.22
33.78
14.44
1,907.12
8,092.88
48.22
33.72
14.50
1,921.62
8,078.38
48.22
33.66
14.56
1,936.18
8,063.82
48.22
33.60
14.62
1,950.80
8,049.20
48.22
33.54
14.68
1,965.48
8,034.52
48.22
33.48
14.74
1,980.22
8,019.78
48.22
33.42
14.80
1,995.03
8,004.97
48.22
33.35
14.87
2,009.89
7,990.11
48.22
33.29
14.93
2,024.82
7,975.18
48.22
33.23
14.99
2,039.81
7,960.19
48.22
33.17
15.05
2,054.86
7,945.14
48.22
33.10
15.11
2,069.98
7,930.02
48.22
33.04
15.18
2,085.15
7,914.85
48.22
32.98
15.24
2,100.40
7,899.60
48.22
32.92
15.30
2,115.70
7,884.30
48.22
32.85
15.37
2,131.07
7,868.93
48.22
32.79
15.43
2,146.50
7,853.50
48.22
32.72
15.50
2,162.00
7,838.00
48.22
32.66
15.56
2,177.56
7,822.44
48.22
32.59
15.63
2,193.18
7,806.82
48.22
32.53
15.69
2,208.88
7,791.12
48.22
32.46
15.76
2,224.63
7,775.37
48.22
32.40
15.82
2,240.45
7,759.55
48.22
32.33
15.89
2,256.34
7,743.66
48.22
32.27
15.95
2,272.30
7,727.70
48.22
32.20
16.02
2,288.32
7,711.68
48.22
32.13
16.09
2,304.41
7,695.59
48.22
32.06
16.15
2,320.56
7,679.44
48.22
32.00
16.22
2,336.78
7,663.22
48.22
31.93
16.29
2,353.07
7,646.93
48.22
31.86
16.36
2,369.43
7,630.57
48.22
31.79
16.43
2,385.86
7,614.14
48.22
31.73
16.49
2,402.35
7,597.65
48.22
31.66
16.56
2,418.91
7,581.09
48.22
31.59
16.63
2,435.54
7,564.46
48.22
31.52
16.70
2,452.25
7,547.75
48.22
31.45
16.77
2,469.02
7,530.98
48.22
31.38
16.84
2,485.86
7,514.14
48.22
31.31
16.91
2,502.77
7,497.23
48.22
31.24
16.98
2,519.75
7,480.25
48.22
31.17
17.05
2,536.80
7,463.20
48.22
31.10
17.12
2,553.92
7,446.08
48.22
31.03
17.19
2,571.12
7,428.88
48.22
30.95
17.27
2,588.38
7,411.62
48.22
30.88
17.34
2,605.72
7,394.28
48.22
30.81
17.41
2,623.13
7,376.87
48.22
30.74
17.48
2,640.61
7,359.39
48.22
30.66
17.56
2,658.17
7,341.83
48.22
30.59
17.63
2,675.80
7,324.20
48.22
30.52
17.70
2,693.50
7,306.50
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241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292
48.22
30.44
17.78
2,711.28
7,288.72
48.22
30.37
17.85
2,729.13
7,270.87
48.22
30.30
17.92
2,747.05
7,252.95
48.22
30.22
18.00
2,765.05
7,234.95
48.22
30.15
18.07
2,783.12
7,216.88
48.22
30.07
18.15
2,801.27
7,198.73
48.22
29.99
18.22
2,819.50
7,180.50
48.22
29.92
18.30
2,837.80
7,162.20
48.22
29.84
18.38
2,856.18
7,143.82
48.22
29.77
18.45
2,874.63
7,125.37
48.22
29.69
18.53
2,893.16
7,106.84
48.22
29.61
18.61
2,911.77
7,088.23
48.22
29.53
18.69
2,930.45
7,069.55
48.22
29.46
18.76
2,949.22
7,050.78
48.22
29.38
18.84
2,968.06
7,031.94
48.22
29.30
18.92
2,986.98
7,013.02
48.22
29.22
19.00
3,005.98
6,994.02
48.22
29.14
19.08
3,025.06
6,974.94
48.22
29.06
19.16
3,044.21
6,955.79
48.22
28.98
19.24
3,063.45
6,936.55
48.22
28.90
19.32
3,082.77
6,917.23
48.22
28.82
19.40
3,102.17
6,897.83
48.22
28.74
19.48
3,121.64
6,878.36
48.22
28.66
19.56
3,141.20
6,858.80
48.22
28.58
19.64
3,160.85
6,839.15
48.22
28.50
19.72
3,180.57
6,819.43
48.22
28.41
19.81
3,200.37
6,799.63
48.22
28.33
19.89
3,220.26
6,779.74
48.22
28.25
19.97
3,240.23
6,759.77
48.22
28.17
20.05
3,260.29
6,739.71
48.22
28.08
20.14
3,280.42
6,719.58
48.22
28.00
20.22
3,300.65
6,699.35
48.22
27.91
20.31
3,320.95
6,679.05
48.22
27.83
20.39
3,341.34
6,658.66
48.22
27.74
20.48
3,361.82
6,638.18
48.22
27.66
20.56
3,382.38
6,617.62
48.22
27.57
20.65
3,403.02
6,596.98
48.22
27.49
20.73
3,423.76
6,576.24
48.22
27.40
20.82
3,444.57
6,555.43
48.22
27.31
20.91
3,465.48
6,534.52
48.22
27.23
20.99
3,486.47
6,513.53
48.22
27.14
21.08
3,507.55
6,492.45
48.22
27.05
21.17
3,528.72
6,471.28
48.22
26.96
21.26
3,549.98
6,450.02
48.22
26.88
21.34
3,571.32
6,428.68
48.22
26.79
21.43
3,592.75
6,407.25
48.22
26.70
21.52
3,614.28
6,385.72
48.22
26.61
21.61
3,635.89
6,364.11
48.22
26.52
21.70
3,657.59
6,342.41
48.22
26.43
21.79
3,679.38
6,320.62
48.22
26.34
21.88
3,701.27
6,298.73
48.22
26.24
21.97
3,723.24
6,276.76
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###
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###
###
###
###
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###
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###
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###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344
48.22
26.15
22.07
3,745.31
6,254.69
48.22
26.06
22.16
3,767.47
6,232.53
48.22
25.97
22.25
3,789.72
6,210.28
48.22
25.88
22.34
3,812.06
6,187.94
48.22
25.78
22.44
3,834.50
6,165.50
48.22
25.69
22.53
3,857.03
6,142.97
48.22
25.60
22.62
3,879.65
6,120.35
48.22
25.50
22.72
3,902.37
6,097.63
48.22
25.41
22.81
3,925.18
6,074.82
48.22
25.31
22.91
3,948.09
6,051.91
48.22
25.22
23.00
3,971.10
6,028.90
48.22
25.12
23.10
3,994.19
6,005.81
48.22
25.02
23.20
4,017.39
5,982.61
48.22
24.93
23.29
4,040.68
5,959.32
48.22
24.83
23.39
4,064.07
5,935.93
48.22
24.73
23.49
4,087.56
5,912.44
48.22
24.64
23.58
4,111.14
5,888.86
48.22
24.54
23.68
4,134.83
5,865.17
48.22
24.44
23.78
4,158.61
5,841.39
48.22
24.34
23.88
4,182.49
5,817.51
48.22
24.24
23.98
4,206.47
5,793.53
48.22
24.14
24.08
4,230.55
5,769.45
48.22
24.04
24.18
4,254.73
5,745.27
48.22
23.94
24.28
4,279.01
5,720.99
48.22
23.84
24.38
4,303.39
5,696.61
48.22
23.74
24.48
4,327.87
5,672.13
48.22
23.63
24.59
4,352.46
5,647.54
48.22
23.53
24.69
4,377.15
5,622.85
48.22
23.43
24.79
4,401.94
5,598.06
48.22
23.33
24.89
4,426.83
5,573.17
48.22
23.22
25.00
4,451.83
5,548.17
48.22
23.12
25.10
4,476.93
5,523.07
48.22
23.01
25.21
4,502.14
5,497.86
48.22
22.91
25.31
4,527.45
5,472.55
48.22
22.80
25.42
4,552.87
5,447.13
48.22
22.70
25.52
4,578.39
5,421.61
48.22
22.59
25.63
4,604.02
5,395.98
48.22
22.48
25.74
4,629.76
5,370.24
48.22
22.38
25.84
4,655.60
5,344.40
48.22
22.27
25.95
4,681.55
5,318.45
48.22
22.16
26.06
4,707.61
5,292.39
48.22
22.05
26.17
4,733.78
5,266.22
48.22
21.94
26.28
4,760.06
5,239.94
48.22
21.83
26.39
4,786.45
5,213.55
48.22
21.72
26.50
4,812.94
5,187.06
48.22
21.61
26.61
4,839.55
5,160.45
48.22
21.50
26.72
4,866.27
5,133.73
48.22
21.39
26.83
4,893.10
5,106.90
48.22
21.28
26.94
4,920.04
5,079.96
48.22
21.17
27.05
4,947.09
5,052.91
48.22
21.05
27.17
4,974.26
5,025.74
48.22
20.94
27.28
5,001.54
4,998.46
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###
###
###
###
###
###
###
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###
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###
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###
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###
###
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###
###
###
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###
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###
###
###
345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396
48.22
20.83
27.39
5,028.93
4,971.07
48.22
20.71
27.51
5,056.44
4,943.56
48.22
20.60
27.62
5,084.06
4,915.94
48.22
20.48
27.74
5,111.79
4,888.21
48.22
20.37
27.85
5,139.65
4,860.35
48.22
20.25
27.97
5,167.61
4,832.39
48.22
20.13
28.08
5,195.70
4,804.30
48.22
20.02
28.20
5,223.90
4,776.10
48.22
19.90
28.32
5,252.22
4,747.78
48.22
19.78
28.44
5,280.66
4,719.34
48.22
19.66
28.56
5,309.21
4,690.79
48.22
19.54
28.67
5,337.89
4,662.11
48.22
19.43
28.79
5,366.68
4,633.32
48.22
19.31
28.91
5,395.60
4,604.40
48.22
19.19
29.03
5,424.63
4,575.37
48.22
19.06
29.16
5,453.79
4,546.21
48.22
18.94
29.28
5,483.06
4,516.94
48.22
18.82
29.40
5,512.46
4,487.54
48.22
18.70
29.52
5,541.98
4,458.02
48.22
18.58
29.64
5,571.63
4,428.37
48.22
18.45
29.77
5,601.40
4,398.60
48.22
18.33
29.89
5,631.29
4,368.71
48.22
18.20
30.02
5,661.30
4,338.70
48.22
18.08
30.14
5,691.45
4,308.55
48.22
17.95
30.27
5,721.71
4,278.29
48.22
17.83
30.39
5,752.11
4,247.89
48.22
17.70
30.52
5,782.63
4,217.37
48.22
17.57
30.65
5,813.27
4,186.73
48.22
17.44
30.77
5,844.05
4,155.95
48.22
17.32
30.90
5,874.95
4,125.05
48.22
17.19
31.03
5,905.98
4,094.02
48.22
17.06
31.16
5,937.15
4,062.85
48.22
16.93
31.29
5,968.44
4,031.56
48.22
16.80
31.42
5,999.86
4,000.14
48.22
16.67
31.55
6,031.41
3,968.59
48.22
16.54
31.68
6,063.09
3,936.91
48.22
16.40
31.82
6,094.91
3,905.09
48.22
16.27
31.95
6,126.86
3,873.14
48.22
16.14
32.08
6,158.94
3,841.06
48.22
16.00
32.22
6,191.16
3,808.84
48.22
15.87
32.35
6,223.51
3,776.49
48.22
15.74
32.48
6,255.99
3,744.01
48.22
15.60
32.62
6,288.61
3,711.39
48.22
15.46
32.76
6,321.36
3,678.64
48.22
15.33
32.89
6,354.26
3,645.74
48.22
15.19
33.03
6,387.29
3,612.71
48.22
15.05
33.17
6,420.45
3,579.55
48.22
14.91
33.30
6,453.76
3,546.24
48.22
14.78
33.44
6,487.20
3,512.80
48.22
14.64
33.58
6,520.78
3,479.22
48.22
14.50
33.72
6,554.51
3,445.49
48.22
14.36
33.86
6,588.37
3,411.63
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###
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###
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###
###
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###
###
###
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###
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###
###
###
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###
###
###
397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448
48.22
14.22
34.00
6,622.38
3,377.62
48.22
14.07
34.15
6,656.52
3,343.48
48.22
13.93
34.29
6,690.81
3,309.19
48.22
13.79
34.43
6,725.24
3,274.76
48.22
13.64
34.57
6,759.82
3,240.18
48.22
13.50
34.72
6,794.53
3,205.47
48.22
13.36
34.86
6,829.40
3,170.60
48.22
13.21
35.01
6,864.41
3,135.59
48.22
13.06
35.15
6,899.56
3,100.44
48.22
12.92
35.30
6,934.86
3,065.14
48.22
12.77
35.45
6,970.31
3,029.69
48.22
12.62
35.60
7,005.91
2,994.09
48.22
12.48
35.74
7,041.65
2,958.35
48.22
12.33
35.89
7,077.54
2,922.46
48.22
12.18
36.04
7,113.59
2,886.41
48.22
12.03
36.19
7,149.78
2,850.22
48.22
11.88
36.34
7,186.12
2,813.88
48.22
11.72
36.50
7,222.62
2,777.38
48.22
11.57
36.65
7,259.27
2,740.73
48.22
11.42
36.80
7,296.07
2,703.93
48.22
11.27
36.95
7,333.02
2,666.98
48.22
11.11
37.11
7,370.13
2,629.87
48.22
10.96
37.26
7,407.39
2,592.61
48.22
10.80
37.42
7,444.81
2,555.19
48.22
10.65
37.57
7,482.38
2,517.62
48.22
10.49
37.73
7,520.11
2,479.89
48.22
10.33
37.89
7,558.00
2,442.00
48.22
10.18
38.04
7,596.04
2,403.96
48.22
10.02
38.20
7,634.24
2,365.76
48.22
9.86
38.36
7,672.61
2,327.39
48.22
9.70
38.52
7,711.13
2,288.87
48.22
9.54
38.68
7,749.81
2,250.19
48.22
9.38
38.84
7,788.65
2,211.35
48.22
9.21
39.01
7,827.66
2,172.34
48.22
9.05
39.17
7,866.83
2,133.17
48.22
8.89
39.33
7,906.16
2,093.84
48.22
8.72
39.50
7,945.66
2,054.34
48.22
8.56
39.66
7,985.32
2,014.68
48.22
8.39
39.83
8,025.14
1,974.86
48.22
8.23
39.99
8,065.13
1,934.87
48.22
8.06
40.16
8,105.29
1,894.71
48.22
7.89
40.33
8,145.61
1,854.39
48.22
7.73
40.49
8,186.11
1,813.89
48.22
7.56
40.66
8,226.77
1,773.23
48.22
7.39
40.83
8,267.60
1,732.40
48.22
7.22
41.00
8,308.60
1,691.40
48.22
7.05
41.17
8,349.77
1,650.23
48.22
6.88
41.34
8,391.12
1,608.88
48.22
6.70
41.52
8,432.63
1,567.37
48.22
6.53
41.69
8,474.32
1,525.68
48.22
6.36
41.86
8,516.18
1,483.82
48.22
6.18
42.04
8,558.22
1,441.78
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###
###
###
449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480
48.22
6.01
42.21
8,600.43
1,399.57
48.22
5.83
42.39
8,642.82
1,357.18
48.22
5.65
42.56
8,685.39
1,314.61
48.22
5.48
42.74
8,728.13
1,271.87
48.22
5.30
42.92
8,771.05
1,228.95
48.22
5.12
43.10
8,814.15
1,185.85
48.22
4.94
43.28
8,857.43
1,142.57
48.22
4.76
43.46
8,900.89
1,099.11
48.22
4.58
43.64
8,944.53
1,055.47
48.22
4.40
43.82
8,988.35
1,011.65
48.22
4.22
44.00
9,032.35
967.65
48.22
4.03
44.19
9,076.54
923.46
48.22
3.85
44.37
9,120.91
879.09
48.22
3.66
44.56
9,165.47
834.53
48.22
3.48
44.74
9,210.21
789.79
48.22
3.29
44.93
9,255.14
744.86
48.22
3.10
45.12
9,300.26
699.74
48.22
2.92
45.30
9,345.56
654.44
48.22
2.73
45.49
9,391.05
608.95
48.22
2.54
45.68
9,436.74
563.26
48.22
2.35
45.87
9,482.61
517.39
48.22
2.16
46.06
9,528.67
471.33
48.22
1.96
46.26
9,574.93
425.07
48.22
1.77
46.45
9,621.38
378.62
48.22
1.58
46.64
9,668.02
331.98
48.22
1.38
46.84
9,714.85
285.15
48.22
1.19
47.03
9,761.89
238.11
48.22
0.99
47.23
9,809.11
190.89
48.22
0.80
47.42
9,856.54
143.46
48.22
0.60
47.62
9,904.16
95.84
48.22
0.40
47.82
9,951.98
48.02
48.22
0.20
48.02
10,000.00
0.00
PRES TOTAL 10000
AÑOS 40
INTERES PERIODO PAGO AMORTI 5% 12 1
MATRIZ SOLO VALIDA PARA METODO DE AM VALOR ACCIONES PROVENIENTES DE LOS INTERESES 13,145.44 VALORACION FINAL ACCIONES 92543.73 NUEVAS ACCIONES -10849 VALOR FINAL TOTAL ACCIONES 16166.89 PRESTAMO TOTAL INICIAL 23,145.44 PRESTAMO TOTAL CON NUEVAS ACCIONES: 12,296.44
RESIDUO AMORTI PRES. INICIO 18463.33 VALOR FUTUTO DEL BIEN 70399.89 CUOTA SISTEMA 711.52 CUOTA SIN SISTEMA 578.64 578.64 "=CON LA AMORTIZACION" V FUTUTO/RESIDUO EN % 381%
INTERESES TOTAL CON NUEVAS ACCIONES V FUTURO/VALOR INICIO EN % 16164.2 704% DISMINUCION DE COSTE EN % TOTAL dismin en coste resp precio origina 26% 31% NETO DESEADO SEA 0: -2.69 AHORRO CUOTA SIN SISTEMA NETO TOTAL: -2.69 132.88 TOTAL ACCIONES 2,296.44 AHORRO SIN SISTEMA=RESIDUO 5315.2 DISMINUCION COSTE SIN SISTEMA EN % 8% DISMINUCION SISTEMA & SIN SISTEMA EN % 347% NETO DESEADO SEA 0 TIPO INTERSES AÑOS 5% 40 5% 35 5% 32 5% 30 5% 23.75 5% 20 5% 18 5% 16 5% 14 5% 12 5% 10 5% 7.83 5% 7 5 5%
para prestamo de 10000 euros. ACC NUEVAS TOTAL ACC C. SIN SIS -10849 2296.44 578.64 -8650 2547 605.63 -7386 2678 627.01 -6574 2752 644.2 -4235 2869 720.19 -3017 2822 792 -2439 2747 844 -1916 2631 909 -1452 2473 995 -1052 2266 1110 -716 2012 1273 -427 1679 1545 -338 1534 1696 -167 1155.74 2265
CUOTA SIS AUMEN CUO 711.52 132.88 760 154.37 795 167.99 821.44 177.24 926.84 206.65 1015.42 223.42 1075 231 1148 239 1241 246 1361 251 1529 256 1805 260 1956 260 2526 261
VALIDA PARA METODO DE AMORTIZACION FRANCES:
CON LA AMORTIZACION"
smin en coste resp precio original
AU CUO % 23% 25% 27% 28% 29% 28% 27% 26% 25% 23% 20% 17% 15% 12%
DIS REL 347% 307% 287% 275% 245% 231% 224% 219% 214% 210% 207% 204% 203% 201%
DIS COSTE DIS C-AU CU dis cos teo 26% 3% 31% 30% 5% 37% 32% 5% 41% 34% 6% 44% 38% 9% 55% 39% 11% 62% 39% 12% 67% 38% 12% 71% 37% 12% 75% 35% 12% 80% 32% 12% 84% 28% 11% 89% 26% 11% 91% 21% 9% 95%
48.22
SUMATORIO 23,145.44 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 40 0.00% 5.00% 12 5.12% 1
27 13,145.44 Intereses
1 2 3
20.83 10,000 Amortizacion
Amortizado
Pendiente 10,000.00
48.22
41.67
6.55
6.55
9,993.45
48.22
41.64
6.58
13.13
9,986.87
48.22
41.61
6.61
19.74
9,980.26
48.22
41.58
6.64
26.38
9,973.62
48.22
41.56
6.66
33.04
9,966.96
48.22
41.53
6.69
39.73
9,960.27
48.22
41.50
6.72
46.45
9,953.55
48.22
41.47
6.75
53.19
9,946.81
48.22
41.45
6.77
59.97
9,940.03
48.22
41.42
6.80
66.77
9,933.23
48.22
41.39
6.83
73.60
9,926.40
48.22
41.36
6.86
80.46
9,919.54
48.22
41.33
6.89
87.35
9,912.65
48.22
41.30
6.92
94.27
9,905.73
48.22
41.27
6.95
101.21
9,898.79
48.22
41.24
6.97
108.19
9,891.81
48.22
41.22
7.00
115.19
9,884.81
48.22
41.19
7.03
122.23
9,877.77
48.22
41.16
7.06
129.29
9,870.71
48.22
41.13
7.09
136.38
9,863.62
48.22
41.10
7.12
143.50
9,856.50
48.22
41.07
7.15
150.65
9,849.35
48.22
41.04
7.18
157.83
9,842.17
48.22
41.01
7.21
165.04
9,834.96
48.22
40.98
7.24
172.28
9,827.72
48.22
40.95
7.27
179.55
9,820.45
48.22
40.92
7.30
186.86
9,813.14
48.22
40.89
7.33
194.19
9,805.81
48.22
40.86
7.36
201.55
9,798.45
48.22
40.83
7.39
208.94
9,791.06
48.22
40.80
7.42
216.37
9,783.63
48.22
40.77
7.45
223.82
9,776.18
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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
48.22
40.73
7.49
231.31
9,768.69
48.22
40.70
7.52
238.82
9,761.18
48.22
40.67
7.55
246.37
9,753.63
48.22
40.64
7.58
253.95
9,746.05
48.22
40.61
7.61
261.56
9,738.44
48.22
40.58
7.64
269.20
9,730.80
48.22
40.54
7.67
276.88
9,723.12
48.22
40.51
7.71
284.59
9,715.41
48.22
40.48
7.74
292.32
9,707.68
48.22
40.45
7.77
300.10
9,699.90
48.22
40.42
7.80
307.90
9,692.10
48.22
40.38
7.84
315.73
9,684.27
48.22
40.35
7.87
323.60
9,676.40
48.22
40.32
7.90
331.50
9,668.50
48.22
40.29
7.93
339.44
9,660.56
48.22
40.25
7.97
347.41
9,652.59
48.22
40.22
8.00
355.41
9,644.59
48.22
40.19
8.03
363.44
9,636.56
48.22
40.15
8.07
371.51
9,628.49
48.22
40.12
8.10
379.61
9,620.39
48.22
40.08
8.13
387.74
9,612.26
48.22
40.05
8.17
395.91
9,604.09
48.22
40.02
8.20
404.11
9,595.89
48.22
39.98
8.24
412.35
9,587.65
48.22
39.95
8.27
420.62
9,579.38
48.22
39.91
8.31
428.93
9,571.07
48.22
39.88
8.34
437.27
9,562.73
48.22
39.84
8.37
445.64
9,554.36
48.22
39.81
8.41
454.05
9,545.95
48.22
39.77
8.44
462.50
9,537.50
48.22
39.74
8.48
470.98
9,529.02
48.22
39.70
8.52
479.49
9,520.51
48.22
39.67
8.55
488.04
9,511.96
48.22
39.63
8.59
496.63
9,503.37
48.22
39.60
8.62
505.25
9,494.75
48.22
39.56
8.66
513.91
9,486.09
48.22
39.53
8.69
522.61
9,477.39
48.22
39.49
8.73
531.34
9,468.66
48.22
39.45
8.77
540.10
9,459.90
48.22
39.42
8.80
548.91
9,451.09
48.22
39.38
8.84
557.75
9,442.25
48.22
39.34
8.88
566.62
9,433.38
48.22
39.31
8.91
575.54
9,424.46
48.22
39.27
8.95
584.49
9,415.51
48.22
39.23
8.99
593.48
9,406.52
48.22
39.19
9.03
602.50
9,397.50
48.22
39.16
9.06
611.57
9,388.43
48.22
39.12
9.10
620.67
9,379.33
48.22
39.08
9.14
629.81
9,370.19
48.22
39.04
9.18
638.98
9,361.02
48.22
39.00
9.22
648.20
9,351.80
48.22
38.97
9.25
657.45
9,342.55
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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
48.22
38.93
9.29
666.75
9,333.25
48.22
38.89
9.33
676.08
9,323.92
48.22
38.85
9.37
685.45
9,314.55
48.22
38.81
9.41
694.86
9,305.14
48.22
38.77
9.45
704.30
9,295.70
48.22
38.73
9.49
713.79
9,286.21
48.22
38.69
9.53
723.32
9,276.68
48.22
38.65
9.57
732.89
9,267.11
48.22
38.61
9.61
742.49
9,257.51
48.22
38.57
9.65
752.14
9,247.86
48.22
38.53
9.69
761.83
9,238.17
48.22
38.49
9.73
771.55
9,228.45
48.22
38.45
9.77
781.32
9,218.68
48.22
38.41
9.81
791.13
9,208.87
48.22
38.37
9.85
800.98
9,199.02
48.22
38.33
9.89
810.87
9,189.13
48.22
38.29
9.93
820.80
9,179.20
48.22
38.25
9.97
830.77
9,169.23
48.22
38.21
10.01
840.79
9,159.21
48.22
38.16
10.06
850.84
9,149.16
48.22
38.12
10.10
860.94
9,139.06
48.22
38.08
10.14
871.08
9,128.92
48.22
38.04
10.18
881.27
9,118.73
48.22
37.99
10.22
891.49
9,108.51
48.22
37.95
10.27
901.76
9,098.24
48.22
37.91
10.31
912.07
9,087.93
48.22
37.87
10.35
922.42
9,077.58
48.22
37.82
10.40
932.82
9,067.18
48.22
37.78
10.44
943.26
9,056.74
48.22
37.74
10.48
953.74
9,046.26
48.22
37.69
10.53
964.27
9,035.73
48.22
37.65
10.57
974.84
9,025.16
48.22
37.60
10.61
985.45
9,014.55
48.22
37.56
10.66
996.11
9,003.89
48.22
37.52
10.70
1,006.82
8,993.18
48.22
37.47
10.75
1,017.56
8,982.44
48.22
37.43
10.79
1,028.36
8,971.64
48.22
37.38
10.84
1,039.19
8,960.81
48.22
37.34
10.88
1,050.08
8,949.92
48.22
37.29
10.93
1,061.01
8,938.99
48.22
37.25
10.97
1,071.98
8,928.02
48.22
37.20
11.02
1,083.00
8,917.00
48.22
37.15
11.07
1,094.06
8,905.94
48.22
37.11
11.11
1,105.18
8,894.82
48.22
37.06
11.16
1,116.33
8,883.67
48.22
37.02
11.20
1,127.54
8,872.46
48.22
36.97
11.25
1,138.79
8,861.21
48.22
36.92
11.30
1,150.09
8,849.91
48.22
36.87
11.35
1,161.43
8,838.57
48.22
36.83
11.39
1,172.82
8,827.18
48.22
36.78
11.44
1,184.26
8,815.74
48.22
36.73
11.49
1,195.75
8,804.25
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137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188
48.22
36.68
11.54
1,207.29
8,792.71
48.22
36.64
11.58
1,218.87
8,781.13
48.22
36.59
11.63
1,230.50
8,769.50
48.22
36.54
11.68
1,242.18
8,757.82
48.22
36.49
11.73
1,253.91
8,746.09
48.22
36.44
11.78
1,265.69
8,734.31
48.22
36.39
11.83
1,277.52
8,722.48
48.22
36.34
11.88
1,289.39
8,710.61
48.22
36.29
11.93
1,301.32
8,698.68
48.22
36.24
11.98
1,313.29
8,686.71
48.22
36.19
12.03
1,325.32
8,674.68
48.22
36.14
12.08
1,337.39
8,662.61
48.22
36.09
12.13
1,349.52
8,650.48
48.22
36.04
12.18
1,361.69
8,638.31
48.22
35.99
12.23
1,373.92
8,626.08
48.22
35.94
12.28
1,386.20
8,613.80
48.22
35.89
12.33
1,398.53
8,601.47
48.22
35.84
12.38
1,410.91
8,589.09
48.22
35.79
12.43
1,423.34
8,576.66
48.22
35.74
12.48
1,435.82
8,564.18
48.22
35.68
12.54
1,448.36
8,551.64
48.22
35.63
12.59
1,460.95
8,539.05
48.22
35.58
12.64
1,473.59
8,526.41
48.22
35.53
12.69
1,486.28
8,513.72
48.22
35.47
12.75
1,499.02
8,500.98
48.22
35.42
12.80
1,511.82
8,488.18
48.22
35.37
12.85
1,524.68
8,475.32
48.22
35.31
12.91
1,537.58
8,462.42
48.22
35.26
12.96
1,550.54
8,449.46
48.22
35.21
13.01
1,563.55
8,436.45
48.22
35.15
13.07
1,576.62
8,423.38
48.22
35.10
13.12
1,589.75
8,410.25
48.22
35.04
13.18
1,602.92
8,397.08
48.22
34.99
13.23
1,616.15
8,383.85
48.22
34.93
13.29
1,629.44
8,370.56
48.22
34.88
13.34
1,642.78
8,357.22
48.22
34.82
13.40
1,656.18
8,343.82
48.22
34.77
13.45
1,669.63
8,330.37
48.22
34.71
13.51
1,683.14
8,316.86
48.22
34.65
13.57
1,696.71
8,303.29
48.22
34.60
13.62
1,710.33
8,289.67
48.22
34.54
13.68
1,724.01
8,275.99
48.22
34.48
13.74
1,737.75
8,262.25
48.22
34.43
13.79
1,751.54
8,248.46
48.22
34.37
13.85
1,765.39
8,234.61
48.22
34.31
13.91
1,779.30
8,220.70
48.22
34.25
13.97
1,793.27
8,206.73
48.22
34.19
14.02
1,807.29
8,192.71
48.22
34.14
14.08
1,821.38
8,178.62
48.22
34.08
14.14
1,835.52
8,164.48
48.22
34.02
14.20
1,849.72
8,150.28
48.22
33.96
14.26
1,863.98
8,136.02
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189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240
48.22
33.90
14.32
1,878.30
8,121.70
48.22
33.84
14.38
1,892.68
8,107.32
48.22
33.78
14.44
1,907.12
8,092.88
48.22
33.72
14.50
1,921.62
8,078.38
48.22
33.66
14.56
1,936.18
8,063.82
48.22
33.60
14.62
1,950.80
8,049.20
48.22
33.54
14.68
1,965.48
8,034.52
48.22
33.48
14.74
1,980.22
8,019.78
48.22
33.42
14.80
1,995.03
8,004.97
48.22
33.35
14.87
2,009.89
7,990.11
48.22
33.29
14.93
2,024.82
7,975.18
48.22
33.23
14.99
2,039.81
7,960.19
48.22
33.17
15.05
2,054.86
7,945.14
48.22
33.10
15.11
2,069.98
7,930.02
48.22
33.04
15.18
2,085.15
7,914.85
48.22
32.98
15.24
2,100.40
7,899.60
48.22
32.92
15.30
2,115.70
7,884.30
48.22
32.85
15.37
2,131.07
7,868.93
48.22
32.79
15.43
2,146.50
7,853.50
48.22
32.72
15.50
2,162.00
7,838.00
48.22
32.66
15.56
2,177.56
7,822.44
48.22
32.59
15.63
2,193.18
7,806.82
48.22
32.53
15.69
2,208.88
7,791.12
48.22
32.46
15.76
2,224.63
7,775.37
48.22
32.40
15.82
2,240.45
7,759.55
48.22
32.33
15.89
2,256.34
7,743.66
48.22
32.27
15.95
2,272.30
7,727.70
48.22
32.20
16.02
2,288.32
7,711.68
48.22
32.13
16.09
2,304.41
7,695.59
48.22
32.06
16.15
2,320.56
7,679.44
48.22
32.00
16.22
2,336.78
7,663.22
48.22
31.93
16.29
2,353.07
7,646.93
48.22
31.86
16.36
2,369.43
7,630.57
48.22
31.79
16.43
2,385.86
7,614.14
48.22
31.73
16.49
2,402.35
7,597.65
48.22
31.66
16.56
2,418.91
7,581.09
48.22
31.59
16.63
2,435.54
7,564.46
48.22
31.52
16.70
2,452.25
7,547.75
48.22
31.45
16.77
2,469.02
7,530.98
48.22
31.38
16.84
2,485.86
7,514.14
48.22
31.31
16.91
2,502.77
7,497.23
48.22
31.24
16.98
2,519.75
7,480.25
48.22
31.17
17.05
2,536.80
7,463.20
48.22
31.10
17.12
2,553.92
7,446.08
48.22
31.03
17.19
2,571.12
7,428.88
48.22
30.95
17.27
2,588.38
7,411.62
48.22
30.88
17.34
2,605.72
7,394.28
48.22
30.81
17.41
2,623.13
7,376.87
48.22
30.74
17.48
2,640.61
7,359.39
48.22
30.66
17.56
2,658.17
7,341.83
48.22
30.59
17.63
2,675.80
7,324.20
48.22
30.52
17.70
2,693.50
7,306.50
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###
###
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###
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###
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###
###
###
###
###
###
###
241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292
48.22
30.44
17.78
2,711.28
7,288.72
48.22
30.37
17.85
2,729.13
7,270.87
48.22
30.30
17.92
2,747.05
7,252.95
48.22
30.22
18.00
2,765.05
7,234.95
48.22
30.15
18.07
2,783.12
7,216.88
48.22
30.07
18.15
2,801.27
7,198.73
48.22
29.99
18.22
2,819.50
7,180.50
48.22
29.92
18.30
2,837.80
7,162.20
48.22
29.84
18.38
2,856.18
7,143.82
48.22
29.77
18.45
2,874.63
7,125.37
48.22
29.69
18.53
2,893.16
7,106.84
48.22
29.61
18.61
2,911.77
7,088.23
48.22
29.53
18.69
2,930.45
7,069.55
48.22
29.46
18.76
2,949.22
7,050.78
48.22
29.38
18.84
2,968.06
7,031.94
48.22
29.30
18.92
2,986.98
7,013.02
48.22
29.22
19.00
3,005.98
6,994.02
48.22
29.14
19.08
3,025.06
6,974.94
48.22
29.06
19.16
3,044.21
6,955.79
48.22
28.98
19.24
3,063.45
6,936.55
48.22
28.90
19.32
3,082.77
6,917.23
48.22
28.82
19.40
3,102.17
6,897.83
48.22
28.74
19.48
3,121.64
6,878.36
48.22
28.66
19.56
3,141.20
6,858.80
48.22
28.58
19.64
3,160.85
6,839.15
48.22
28.50
19.72
3,180.57
6,819.43
48.22
28.41
19.81
3,200.37
6,799.63
48.22
28.33
19.89
3,220.26
6,779.74
48.22
28.25
19.97
3,240.23
6,759.77
48.22
28.17
20.05
3,260.29
6,739.71
48.22
28.08
20.14
3,280.42
6,719.58
48.22
28.00
20.22
3,300.65
6,699.35
48.22
27.91
20.31
3,320.95
6,679.05
48.22
27.83
20.39
3,341.34
6,658.66
48.22
27.74
20.48
3,361.82
6,638.18
48.22
27.66
20.56
3,382.38
6,617.62
48.22
27.57
20.65
3,403.02
6,596.98
48.22
27.49
20.73
3,423.76
6,576.24
48.22
27.40
20.82
3,444.57
6,555.43
48.22
27.31
20.91
3,465.48
6,534.52
48.22
27.23
20.99
3,486.47
6,513.53
48.22
27.14
21.08
3,507.55
6,492.45
48.22
27.05
21.17
3,528.72
6,471.28
48.22
26.96
21.26
3,549.98
6,450.02
48.22
26.88
21.34
3,571.32
6,428.68
48.22
26.79
21.43
3,592.75
6,407.25
48.22
26.70
21.52
3,614.28
6,385.72
48.22
26.61
21.61
3,635.89
6,364.11
48.22
26.52
21.70
3,657.59
6,342.41
48.22
26.43
21.79
3,679.38
6,320.62
48.22
26.34
21.88
3,701.27
6,298.73
48.22
26.24
21.97
3,723.24
6,276.76
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###
###
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###
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###
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###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344
48.22
26.15
22.07
3,745.31
6,254.69
48.22
26.06
22.16
3,767.47
6,232.53
48.22
25.97
22.25
3,789.72
6,210.28
48.22
25.88
22.34
3,812.06
6,187.94
48.22
25.78
22.44
3,834.50
6,165.50
48.22
25.69
22.53
3,857.03
6,142.97
48.22
25.60
22.62
3,879.65
6,120.35
48.22
25.50
22.72
3,902.37
6,097.63
48.22
25.41
22.81
3,925.18
6,074.82
48.22
25.31
22.91
3,948.09
6,051.91
48.22
25.22
23.00
3,971.10
6,028.90
48.22
25.12
23.10
3,994.19
6,005.81
48.22
25.02
23.20
4,017.39
5,982.61
48.22
24.93
23.29
4,040.68
5,959.32
48.22
24.83
23.39
4,064.07
5,935.93
48.22
24.73
23.49
4,087.56
5,912.44
48.22
24.64
23.58
4,111.14
5,888.86
48.22
24.54
23.68
4,134.83
5,865.17
48.22
24.44
23.78
4,158.61
5,841.39
48.22
24.34
23.88
4,182.49
5,817.51
48.22
24.24
23.98
4,206.47
5,793.53
48.22
24.14
24.08
4,230.55
5,769.45
48.22
24.04
24.18
4,254.73
5,745.27
48.22
23.94
24.28
4,279.01
5,720.99
48.22
23.84
24.38
4,303.39
5,696.61
48.22
23.74
24.48
4,327.87
5,672.13
48.22
23.63
24.59
4,352.46
5,647.54
48.22
23.53
24.69
4,377.15
5,622.85
48.22
23.43
24.79
4,401.94
5,598.06
48.22
23.33
24.89
4,426.83
5,573.17
48.22
23.22
25.00
4,451.83
5,548.17
48.22
23.12
25.10
4,476.93
5,523.07
48.22
23.01
25.21
4,502.14
5,497.86
48.22
22.91
25.31
4,527.45
5,472.55
48.22
22.80
25.42
4,552.87
5,447.13
48.22
22.70
25.52
4,578.39
5,421.61
48.22
22.59
25.63
4,604.02
5,395.98
48.22
22.48
25.74
4,629.76
5,370.24
48.22
22.38
25.84
4,655.60
5,344.40
48.22
22.27
25.95
4,681.55
5,318.45
48.22
22.16
26.06
4,707.61
5,292.39
48.22
22.05
26.17
4,733.78
5,266.22
48.22
21.94
26.28
4,760.06
5,239.94
48.22
21.83
26.39
4,786.45
5,213.55
48.22
21.72
26.50
4,812.94
5,187.06
48.22
21.61
26.61
4,839.55
5,160.45
48.22
21.50
26.72
4,866.27
5,133.73
48.22
21.39
26.83
4,893.10
5,106.90
48.22
21.28
26.94
4,920.04
5,079.96
48.22
21.17
27.05
4,947.09
5,052.91
48.22
21.05
27.17
4,974.26
5,025.74
48.22
20.94
27.28
5,001.54
4,998.46
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###
###
###
###
###
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###
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###
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###
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###
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###
###
###
###
###
###
###
###
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###
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###
###
###
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###
###
###
345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396
48.22
20.83
27.39
5,028.93
4,971.07
48.22
20.71
27.51
5,056.44
4,943.56
48.22
20.60
27.62
5,084.06
4,915.94
48.22
20.48
27.74
5,111.79
4,888.21
48.22
20.37
27.85
5,139.65
4,860.35
48.22
20.25
27.97
5,167.61
4,832.39
48.22
20.13
28.08
5,195.70
4,804.30
48.22
20.02
28.20
5,223.90
4,776.10
48.22
19.90
28.32
5,252.22
4,747.78
48.22
19.78
28.44
5,280.66
4,719.34
48.22
19.66
28.56
5,309.21
4,690.79
48.22
19.54
28.67
5,337.89
4,662.11
48.22
19.43
28.79
5,366.68
4,633.32
48.22
19.31
28.91
5,395.60
4,604.40
48.22
19.19
29.03
5,424.63
4,575.37
48.22
19.06
29.16
5,453.79
4,546.21
48.22
18.94
29.28
5,483.06
4,516.94
48.22
18.82
29.40
5,512.46
4,487.54
48.22
18.70
29.52
5,541.98
4,458.02
48.22
18.58
29.64
5,571.63
4,428.37
48.22
18.45
29.77
5,601.40
4,398.60
48.22
18.33
29.89
5,631.29
4,368.71
48.22
18.20
30.02
5,661.30
4,338.70
48.22
18.08
30.14
5,691.45
4,308.55
48.22
17.95
30.27
5,721.71
4,278.29
48.22
17.83
30.39
5,752.11
4,247.89
48.22
17.70
30.52
5,782.63
4,217.37
48.22
17.57
30.65
5,813.27
4,186.73
48.22
17.44
30.77
5,844.05
4,155.95
48.22
17.32
30.90
5,874.95
4,125.05
48.22
17.19
31.03
5,905.98
4,094.02
48.22
17.06
31.16
5,937.15
4,062.85
48.22
16.93
31.29
5,968.44
4,031.56
48.22
16.80
31.42
5,999.86
4,000.14
48.22
16.67
31.55
6,031.41
3,968.59
48.22
16.54
31.68
6,063.09
3,936.91
48.22
16.40
31.82
6,094.91
3,905.09
48.22
16.27
31.95
6,126.86
3,873.14
48.22
16.14
32.08
6,158.94
3,841.06
48.22
16.00
32.22
6,191.16
3,808.84
48.22
15.87
32.35
6,223.51
3,776.49
48.22
15.74
32.48
6,255.99
3,744.01
48.22
15.60
32.62
6,288.61
3,711.39
48.22
15.46
32.76
6,321.36
3,678.64
48.22
15.33
32.89
6,354.26
3,645.74
48.22
15.19
33.03
6,387.29
3,612.71
48.22
15.05
33.17
6,420.45
3,579.55
48.22
14.91
33.30
6,453.76
3,546.24
48.22
14.78
33.44
6,487.20
3,512.80
48.22
14.64
33.58
6,520.78
3,479.22
48.22
14.50
33.72
6,554.51
3,445.49
48.22
14.36
33.86
6,588.37
3,411.63
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###
###
###
###
###
###
###
###
###
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###
###
###
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###
###
###
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###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448
48.22
14.22
34.00
6,622.38
3,377.62
48.22
14.07
34.15
6,656.52
3,343.48
48.22
13.93
34.29
6,690.81
3,309.19
48.22
13.79
34.43
6,725.24
3,274.76
48.22
13.64
34.57
6,759.82
3,240.18
48.22
13.50
34.72
6,794.53
3,205.47
48.22
13.36
34.86
6,829.40
3,170.60
48.22
13.21
35.01
6,864.41
3,135.59
48.22
13.06
35.15
6,899.56
3,100.44
48.22
12.92
35.30
6,934.86
3,065.14
48.22
12.77
35.45
6,970.31
3,029.69
48.22
12.62
35.60
7,005.91
2,994.09
48.22
12.48
35.74
7,041.65
2,958.35
48.22
12.33
35.89
7,077.54
2,922.46
48.22
12.18
36.04
7,113.59
2,886.41
48.22
12.03
36.19
7,149.78
2,850.22
48.22
11.88
36.34
7,186.12
2,813.88
48.22
11.72
36.50
7,222.62
2,777.38
48.22
11.57
36.65
7,259.27
2,740.73
48.22
11.42
36.80
7,296.07
2,703.93
48.22
11.27
36.95
7,333.02
2,666.98
48.22
11.11
37.11
7,370.13
2,629.87
48.22
10.96
37.26
7,407.39
2,592.61
48.22
10.80
37.42
7,444.81
2,555.19
48.22
10.65
37.57
7,482.38
2,517.62
48.22
10.49
37.73
7,520.11
2,479.89
48.22
10.33
37.89
7,558.00
2,442.00
48.22
10.18
38.04
7,596.04
2,403.96
48.22
10.02
38.20
7,634.24
2,365.76
48.22
9.86
38.36
7,672.61
2,327.39
48.22
9.70
38.52
7,711.13
2,288.87
48.22
9.54
38.68
7,749.81
2,250.19
48.22
9.38
38.84
7,788.65
2,211.35
48.22
9.21
39.01
7,827.66
2,172.34
48.22
9.05
39.17
7,866.83
2,133.17
48.22
8.89
39.33
7,906.16
2,093.84
48.22
8.72
39.50
7,945.66
2,054.34
48.22
8.56
39.66
7,985.32
2,014.68
48.22
8.39
39.83
8,025.14
1,974.86
48.22
8.23
39.99
8,065.13
1,934.87
48.22
8.06
40.16
8,105.29
1,894.71
48.22
7.89
40.33
8,145.61
1,854.39
48.22
7.73
40.49
8,186.11
1,813.89
48.22
7.56
40.66
8,226.77
1,773.23
48.22
7.39
40.83
8,267.60
1,732.40
48.22
7.22
41.00
8,308.60
1,691.40
48.22
7.05
41.17
8,349.77
1,650.23
48.22
6.88
41.34
8,391.12
1,608.88
48.22
6.70
41.52
8,432.63
1,567.37
48.22
6.53
41.69
8,474.32
1,525.68
48.22
6.36
41.86
8,516.18
1,483.82
48.22
6.18
42.04
8,558.22
1,441.78
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###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480
48.22
6.01
42.21
8,600.43
1,399.57
48.22
5.83
42.39
8,642.82
1,357.18
48.22
5.65
42.56
8,685.39
1,314.61
48.22
5.48
42.74
8,728.13
1,271.87
48.22
5.30
42.92
8,771.05
1,228.95
48.22
5.12
43.10
8,814.15
1,185.85
48.22
4.94
43.28
8,857.43
1,142.57
48.22
4.76
43.46
8,900.89
1,099.11
48.22
4.58
43.64
8,944.53
1,055.47
48.22
4.40
43.82
8,988.35
1,011.65
48.22
4.22
44.00
9,032.35
967.65
48.22
4.03
44.19
9,076.54
923.46
48.22
3.85
44.37
9,120.91
879.09
48.22
3.66
44.56
9,165.47
834.53
48.22
3.48
44.74
9,210.21
789.79
48.22
3.29
44.93
9,255.14
744.86
48.22
3.10
45.12
9,300.26
699.74
48.22
2.92
45.30
9,345.56
654.44
48.22
2.73
45.49
9,391.05
608.95
48.22
2.54
45.68
9,436.74
563.26
48.22
2.35
45.87
9,482.61
517.39
48.22
2.16
46.06
9,528.67
471.33
48.22
1.96
46.26
9,574.93
425.07
48.22
1.77
46.45
9,621.38
378.62
48.22
1.58
46.64
9,668.02
331.98
48.22
1.38
46.84
9,714.85
285.15
48.22
1.19
47.03
9,761.89
238.11
48.22
0.99
47.23
9,809.11
190.89
48.22
0.80
47.42
9,856.54
143.46
48.22
0.60
47.62
9,904.16
95.84
48.22
0.40
47.82
9,951.98
48.02
48.22
0.20
48.02
10,000.00
0.00
PRES TOTAL 10000
AÑOS 40
INTERES PERIODO PAGO AMORTI 5% 12 1
MATRIZ SOLO VALIDA PARA METODO DE AM VALOR ACCIONES PROVENIENTES DE LOS INTERESES 13,145.44 VALORACION FINAL ACCIONES 92543.73 NUEVAS ACCIONES -10849 VALOR FINAL TOTAL ACCIONES 16166.89 PRESTAMO TOTAL INICIAL 23,145.44 PRESTAMO TOTAL CON NUEVAS ACCIONES: 12,296.44
RESIDUO AMORTI PRES. INICIO 18463.33 VALOR FUTUTO DEL BIEN 70399.89 CUOTA SISTEMA 711.52 CUOTA SIN SISTEMA 578.64 578.64 "=CON LA AMORTIZACION" V FUTUTO/RESIDUO EN % 381%
INTERESES TOTAL CON NUEVAS ACCIONES V FUTURO/VALOR INICIO EN % 16164.2 704% DISMINUCION DE COSTE EN % TOTAL dismin en coste resp precio origina 26% 31% NETO DESEADO SEA 0: -2.69 AHORRO CUOTA SIN SISTEMA NETO TOTAL: -2.69 132.88 TOTAL ACCIONES 2,296.44 AHORRO SIN SISTEMA=RESIDUO 5315.2 DISMINUCION COSTE SIN SISTEMA EN % 8% DISMINUCION SISTEMA & SIN SISTEMA EN % 347% NETO DESEADO SEA 0 TIPO INTERSES AÑOS 5% 40 5% 35 5% 32 5% 30 5% 23.75 5% 20 5% 18 5% 16 5% 14 5% 12 5% 10 5% 7.83 5% 7 5 5%
para prestamo de 10000 euros. ACC NUEVAS TOTAL ACC C. SIN SIS -10849 2296.44 578.64 -8650 2547 605.63 -7386 2678 627.01 -6574 2752 644.2 -4235 2869 720.19 -3017 2822 792 -2439 2747 844 -1916 2631 909 -1452 2473 995 -1052 2266 1110 -716 2012 1273 -427 1679 1545 -338 1534 1696 -167 1155.74 2265
CUOTA SIS AUMEN CUO 711.52 132.88 760 154.37 795 167.99 821.44 177.24 926.84 206.65 1015.42 223.42 1075 231 1148 239 1241 246 1361 251 1529 256 1805 260 1956 260 2526 261
VALIDA PARA METODO DE AMORTIZACION FRANCES:
CON LA AMORTIZACION"
smin en coste resp precio original
AU CUO % 23% 25% 27% 28% 29% 28% 27% 26% 25% 23% 20% 17% 15% 12%
DIS REL 347% 307% 287% 275% 245% 231% 224% 219% 214% 210% 207% 204% 203% 201%
DIS COSTE DIS C-AU CU dis cos teo 26% 3% 31% 30% 5% 37% 32% 5% 41% 34% 6% 44% 38% 9% 55% 39% 11% 62% 39% 12% 67% 38% 12% 71% 37% 12% 75% 35% 12% 80% 32% 12% 84% 28% 11% 89% 26% 11% 91% 21% 9% 95%
