leasing
TRANSCRIPT
Excel Avanzado
Adolfo Aparicio
www.excelavanzado.com
www.excelavanzado.com
leasing
Leasing
Co 100,000
n 10 a 13,941i 8% 13,941
VR
Año Anualidad Intereses Amortiza Cap.Vivo Cap. Amort0 100,0001 13,941 8,000 5,941 94,059 5,9412 13,941 7,525 6,416 87,643 12,3573 13,941 7,011 6,929 80,714 19,2864 13,941 6,457 7,483 73,231 26,7695 13,941 5,858 8,082 65,149 34,8516 13,941 5,212 8,729 56,420 43,5807 13,941 4,514 9,427 46,993 53,0078 13,941 3,759 10,181 36,812 63,1889 13,941 2,945 10,996 25,816 74,184
10 27,881 2,065 25,816 0 100,000
a en t=10
=+100000/VA(8%;10;-1;-1)
=2a
leasing
Leasing con un VR conocido que se paga en n+1
Co 100,000
n 10 a 14,455.54
i 8%VR 7,000
Año Anualidad Intereses Amortiza Cap.Vivo Cap. Amort0 100,0001 14,456 8,000 6,456 93,544 6,4562 14,456 7,484 6,972 86,572 13,4283 14,456 6,926 7,530 79,043 20,9574 14,456 6,323 8,132 70,911 29,0895 14,456 5,673 8,783 62,128 37,8726 14,456 4,970 9,485 52,643 47,3577 14,456 4,211 10,244 42,399 57,6018 14,456 3,392 11,064 31,335 68,6659 14,456 2,507 11,949 19,386 80,614
10 14,456 1,551 12,905 6,481 93,51911 7,000 519 6,481 0 100,000
Leasing.xls
Leasing
Elaborar el cuadro de amortización de una operación de Leasing con la siguientes características:La operación permite disponer de una maquinaria de precio 500.000 €Duración 5 añosValor residual 80.000 €Pagos mensuales constantesTipo de interés fijo del 8% efectivo anual.
Tipo anual 8%
Tipo mensual 0.6434%Años 5Meses 60Valor Residual 80,000.00 €
Año Mes Mensualidad Capital Vivo
0 0 500,000.00 1 1 8,974.81 3,217.02 5,757.79 494,242.21 1 2 8,974.81 3,179.97 5,794.84 488,447.37 1 3 8,974.81 3,142.69 5,832.12 482,615.25 1 4 8,974.81 3,105.16 5,869.64 476,745.61 1 5 8,974.81 3,067.40 5,907.41 470,838.20 1 6 8,974.81 3,029.39 5,945.42 464,892.78 1 7 8,974.81 2,991.13 5,983.67 458,909.11 1 8 8,974.81 2,952.64 6,022.17 452,886.94 1 9 8,974.81 2,913.89 6,060.92 446,826.02 1 10 8,974.81 2,874.89 6,099.91 440,726.11 1 11 8,974.81 2,835.65 6,139.16 434,586.95 1 12 8,974.81 2,796.15 6,178.66 428,408.29 2 13 8,974.81 2,756.39 6,218.41 422,189.88 2 14 8,974.81 2,716.38 6,258.42 415,931.45 2 15 8,974.81 2,676.12 6,298.69 409,632.76 2 16 8,974.81 2,635.59 6,339.22 403,293.55 2 17 8,974.81 2,594.80 6,380.00 396,913.54 2 18 8,974.81 2,553.75 6,421.05 390,492.49 2 19 8,974.81 2,512.44 6,462.36 384,030.13 2 20 8,974.81 2,470.86 6,503.94 377,526.18 2 21 8,974.81 2,429.01 6,545.79 370,980.39 2 22 8,974.81 2,386.90 6,587.91 364,392.49 2 23 8,974.81 2,344.51 6,630.29 357,762.19 2 24 8,974.81 2,301.85 6,672.95 351,089.24 3 25 8,974.81 2,258.92 6,715.89 344,373.35 3 26 8,974.81 2,215.71 6,759.10 337,614.26 3 27 8,974.81 2,172.22 6,802.59 330,811.67 3 28 8,974.81 2,128.45 6,846.35 323,965.32 3 29 8,974.81 2,084.40 6,890.40 317,074.92 3 30 8,974.81 2,040.07 6,934.74 310,140.18 3 31 8,974.81 1,995.45 6,979.35 303,160.83
Cuota Intereses
Cuota Amortización
Se utiliza la función PAGO y el Valor Residual se añade en el atributo de VF (Valor Final). PAGO(tasa;nper;va;vf;tipo)
3 32 8,974.81 1,950.55 7,024.26 296,136.57 3 33 8,974.81 1,905.35 7,069.45 289,067.11 3 34 8,974.81 1,859.87 7,114.94 281,952.18 3 35 8,974.81 1,814.09 7,160.72 274,791.46 3 36 8,974.81 1,768.02 7,206.79 267,584.67 4 37 8,974.81 1,721.65 7,253.16 260,331.51 4 38 8,974.81 1,674.98 7,299.82 253,031.69 4 39 8,974.81 1,628.01 7,346.79 245,684.90 4 40 8,974.81 1,580.74 7,394.06 238,290.83 4 41 8,974.81 1,533.17 7,441.63 230,849.20 4 42 8,974.81 1,485.29 7,489.51 223,359.68 4 43 8,974.81 1,437.10 7,537.70 215,821.98 4 44 8,974.81 1,388.61 7,586.20 208,235.78 4 45 8,974.81 1,339.80 7,635.01 200,600.77 4 46 8,974.81 1,290.67 7,684.13 192,916.64 4 47 8,974.81 1,241.23 7,733.57 185,183.06 4 48 8,974.81 1,191.47 7,783.33 177,399.73 5 49 8,974.81 1,141.40 7,833.41 169,566.32 5 50 8,974.81 1,090.99 7,883.81 161,682.51 5 51 8,974.81 1,040.27 7,934.54 153,747.98 5 52 8,974.81 989.22 7,985.59 145,762.39 5 53 8,974.81 937.84 8,036.97 137,725.42 5 54 8,974.81 886.13 8,088.68 129,636.75 5 55 8,974.81 834.09 8,140.72 121,496.03 5 56 8,974.81 781.71 8,193.10 113,302.93 5 57 8,974.81 728.99 8,245.81 105,057.12 5 58 8,974.81 675.94 8,298.86 96,758.26 5 59 8,974.81 622.55 8,352.26 88,406.00 5 60 88,974.81 568.81 88,406.00 0.00
a+VR
Elaborar el cuadro de amortización de una operación de Leasing con la siguientes características:
5,757.79 11,552.63 17,384.75 23,254.39 29,161.80 35,107.22 41,090.89 47,113.06 53,173.98 59,273.89 65,413.05 71,591.71 77,810.12 84,068.55 90,367.24 96,706.45
103,086.46 109,507.51 115,969.87 122,473.82 129,019.61 135,607.51 142,237.81 148,910.76 155,626.65 162,385.74 169,188.33 176,034.68 182,925.08 189,859.82 196,839.17
Capital Amortizado
Se utiliza la función PAGO y el Valor Residual se añade en el atributo de VF (Valor Final). PAGO(tasa;nper;va;vf;tipo)
203,863.43 210,932.89 218,047.82 225,208.54 232,415.33 239,668.49 246,968.31 254,315.10 261,709.17 269,150.80 276,640.32 284,178.02 291,764.22 299,399.23 307,083.36 314,816.94 322,600.27 330,433.68 338,317.49 346,252.02 354,237.61 362,274.58 370,363.25 378,503.97 386,697.07 394,942.88 403,241.74 411,594.00 500,000.00
Leasing.xls
Leasing a tipo variable
Elaborar el cuadro de amortización de una operación de Leasing con la siguientes características:La operación permite disponer de una maquinaria de precio 500.000 €Duración 5 añosValor residual 80.000 €Pagos mensuales constantesTipo de interés anual variable Euribor + 5%, con revisión anual.El Euribor ha resultado ser en estos años: 2.3%, 2.2%, 2.7%, 3.1% y 3.9%
Tipo variable E + 5% Año Euribor E+5%
Años 5 1 2.30% 7.30%
Meses 60 2 2.20% 7.20%
Valor Residual 80,000.00 € 3 2.70% 7.70%
4 3.10% 8.10%
5 3.90% 8.90%
Año Mes Mensualidad
0 0
1 1 0.6083% 8,862.75 3,041.67 5,821.08
1 2 0.6083% 8,862.75 3,006.26 5,856.49
1 3 0.6083% 8,862.75 2,970.63 5,892.12
1 4 0.6083% 8,862.75 2,934.78 5,927.96
1 5 0.6083% 8,862.75 2,898.72 5,964.02
1 6 0.6083% 8,862.75 2,862.44 6,000.30
1 7 0.6083% 8,862.75 2,825.94 6,036.81
1 8 0.6083% 8,862.75 2,789.22 6,073.53
1 9 0.6083% 8,862.75 2,752.27 6,110.48
1 10 0.6083% 8,862.75 2,715.10 6,147.65
1 11 0.6083% 8,862.75 2,677.70 6,185.05
1 12 0.6083% 8,862.75 2,640.07 6,222.67
2 13 0.6000% 8,839.90 2,566.57 6,273.332 14 0.6000% 8,839.90 2,528.93 6,310.972 15 0.6000% 8,839.90 2,491.07 6,348.832 16 0.6000% 8,839.90 2,452.97 6,386.922 17 0.6000% 8,839.90 2,414.65 6,425.252 18 0.6000% 8,839.90 2,376.10 6,463.802 19 0.6000% 8,839.90 2,337.32 6,502.582 20 0.6000% 8,839.90 2,298.30 6,541.602 21 0.6000% 8,839.90 2,259.05 6,580.852 22 0.6000% 8,839.90 2,219.57 6,620.332 23 0.6000% 8,839.90 2,179.84 6,660.052 24 0.6000% 8,839.90 2,139.88 6,700.013 25 0.6417% 8,935.19 2,245.50 6,689.70
Tasa mensual efectiva
Cuota Intereses
Cuota Amortización
3 26 0.6417% 8,935.19 2,202.57 6,732.62
3 27 0.6417% 8,935.19 2,159.37 6,775.82
3 28 0.6417% 8,935.19 2,115.89 6,819.30
3 29 0.6417% 8,935.19 2,072.13 6,863.06
3 30 0.6417% 8,935.19 2,028.10 6,907.10
3 31 0.6417% 8,935.19 1,983.77 6,951.42
3 32 0.6417% 8,935.19 1,939.17 6,996.02
3 33 0.6417% 8,935.19 1,894.28 7,040.91
3 34 0.6417% 8,935.19 1,849.10 7,086.09
3 35 0.6417% 8,935.19 1,803.63 7,131.56
3 36 0.6417% 8,935.19 1,757.87 7,177.32
4 37 0.6750% 8,995.91 1,800.74 7,195.174 38 0.6750% 8,995.91 1,752.17 7,243.744 39 0.6750% 8,995.91 1,703.28 7,292.634 40 0.6750% 8,995.91 1,654.05 7,341.864 41 0.6750% 8,995.91 1,604.50 7,391.424 42 0.6750% 8,995.91 1,554.60 7,441.314 43 0.6750% 8,995.91 1,504.37 7,491.544 44 0.6750% 8,995.91 1,453.81 7,542.114 45 0.6750% 8,995.91 1,402.90 7,593.014 46 0.6750% 8,995.91 1,351.64 7,644.274 47 0.6750% 8,995.91 1,300.05 7,695.874 48 0.6750% 8,995.91 1,248.10 7,747.815 49 0.7417% 9,085.24 1,313.90 7,771.33
5 50 0.7417% 9,085.24 1,256.27 7,828.97
5 51 0.7417% 9,085.24 1,198.20 7,887.03
5 52 0.7417% 9,085.24 1,139.71 7,945.53
5 53 0.7417% 9,085.24 1,080.78 8,004.46
5 54 0.7417% 9,085.24 1,021.41 8,063.82
5 55 0.7417% 9,085.24 961.60 8,123.63
5 56 0.7417% 9,085.24 901.35 8,183.88
5 57 0.7417% 9,085.24 840.66 8,244.58
5 58 0.7417% 9,085.24 779.51 8,305.73
5 59 0.7417% 9,085.24 717.91 8,367.33
5 60 0.7417% 89,085.24 655.85 88,429.38
a+VR
T. mensual
0.6083%0.6000%0.6417%0.6750%0.7417%
Capital Vivo
500,000.00
494,178.92 5,821.08
488,322.43 11,677.57
482,430.31 17,569.69
476,502.35 23,497.65
470,538.33 29,461.67
464,538.03 35,461.97
458,501.22 41,498.78
452,427.69 47,572.31
446,317.21 53,682.79
440,169.56 59,830.44
433,984.52 66,015.48
427,761.84 72,238.16
421,488.52 78,511.48415,177.55 84,822.45408,828.72 91,171.28402,441.80 97,558.20396,016.55 103,983.45389,552.75 110,447.25383,050.17 116,949.83376,508.57 123,491.43369,927.73 130,072.27363,307.40 136,692.60356,647.35 143,352.65349,947.33 150,052.67343,257.64 156,742.36
Capital Amortizado
336,525.01 163,474.99
329,749.19 170,250.81
322,929.89 177,070.11
316,066.83 183,933.17
309,159.74 190,840.26
302,208.32 197,791.68
295,212.30 204,787.70
288,171.38 211,828.62
281,085.29 218,914.71
273,953.73 226,046.27
266,776.41 233,223.59
259,581.24 240,418.76252,337.50 247,662.50245,044.86 254,955.14237,703.01 262,296.99230,311.59 269,688.41222,870.28 277,129.72215,378.74 284,621.26207,836.64 292,163.36200,243.62 299,756.38192,599.35 307,400.65184,903.49 315,096.51177,155.67 322,844.33169,384.34 330,615.66
161,555.37 338,444.63
153,668.34 346,331.66
145,722.81 354,277.19
137,718.35 362,281.65
129,654.53 370,345.47
121,530.90 378,469.10
113,347.02 386,652.98
105,102.44 394,897.56
96,796.71 403,203.29
88,429.38 411,570.62
0.00 500,000.00
Leasing.xls
Leasing Prepagable
Elaborar el cuadro de amortización de una operación de Leasing con la siguientes características:La operación permite disponer de una maquinaria de precio 500.000 €Duración 15 añosValor residual 80.000 €Pagos anuales constantes prepagablesTipo de interés fijo del 8% efectivo anual.
Tipo anual 8%Años 15Valor Residual 80,000.00 €Principal 500,000.00 €
Cuota nº Año Anualidad Capital Vivo
1 0 51,359.64 51,359.64 448,640.36 2 1 51,359.64 35,891.23 15,468.41 433,171.95 3 2 51,359.64 34,653.76 16,705.88 416,466.07 4 3 51,359.64 33,317.29 18,042.35 398,423.72 5 4 51,359.64 31,873.90 19,485.74 378,937.98 6 5 51,359.64 30,315.04 21,044.60 357,893.38 7 6 51,359.64 28,631.47 22,728.17 335,165.21 8 7 51,359.64 26,813.22 24,546.42 310,618.79 9 8 51,359.64 24,849.50 26,510.13 284,108.66
10 9 51,359.64 22,728.69 28,630.95 255,477.71 11 10 51,359.64 20,438.22 30,921.42 224,556.29 12 11 51,359.64 17,964.50 33,395.13 191,161.16 13 12 51,359.64 15,292.89 36,066.75 155,094.41 14 13 51,359.64 12,407.55 38,952.08 116,142.33 15 14 51,359.64 9,291.39 42,068.25 74,074.07 16 15 80,000.00 5,925.93 74,074.07 0.00
Cuota Intereses
Cuota Amortización
El Capital Vivo es cero si se paga el Valor Residual en t=15.Si esto no se hiciera el Capital Vivo sería igual al Valor Residual en este momento.
16% IVA PAGO
51,359.64 8,217.54 59,577.18 66,828.05 8,217.54 59,577.18 83,533.93 8,217.54 59,577.18
101,576.28 8,217.54 59,577.18 121,062.02 8,217.54 59,577.18 142,106.62 8,217.54 59,577.18 164,834.79 8,217.54 59,577.18 189,381.21 8,217.54 59,577.18 215,891.34 8,217.54 59,577.18 244,522.29 8,217.54 59,577.18 275,443.71 8,217.54 59,577.18 308,838.84 8,217.54 59,577.18 344,905.59 8,217.54 59,577.18 383,857.67 8,217.54 59,577.18 425,925.93 8,217.54 59,577.18 500,000.00 12,800.00 92,800.00
Capital Amortizado
El Capital Vivo es cero si se paga el Valor Residual en t=15.Si esto no se hiciera el Capital Vivo sería igual al Valor Residual en este momento.
Leasing prepagable con Valor Residual igual a una cuota adicional
Capital 500,000Interés 8.00%Períodos 15
Cuota nº Año Anualidad Capital Vivo
1 0 52,304.11 52,304.11 447,695.892 1 52,304.11 35,815.67 16,488.44 431,207.463 2 52,304.11 34,496.60 17,807.51 413,399.954 3 52,304.11 33,072.00 19,232.11 394,167.835 4 52,304.11 31,533.43 20,770.68 373,397.156 5 52,304.11 29,871.77 22,432.34 350,964.827 6 52,304.11 28,077.19 24,226.92 326,737.908 7 52,304.11 26,139.03 26,165.08 300,572.829 8 52,304.11 24,045.83 28,258.28 272,314.54
10 9 52,304.11 21,785.16 30,518.94 241,795.5911 10 52,304.11 19,343.65 32,960.46 208,835.1312 11 52,304.11 16,706.81 35,597.30 173,237.8413 12 52,304.11 13,859.03 38,445.08 134,792.7614 13 52,304.11 10,783.42 41,520.69 93,272.0715 14 52,304.11 7,461.77 44,842.34 48,429.7316 15 52,304.11 3,874.38 48,429.73 0.00
Una operación de Leasing se contrata para financiar unas máquinas cuyo precio es de 500.000 €, a 15 años, con cuotas anuales prepagables y el valor residual es tal que se pagaría una cuota más un año más tarde para liquidar la operación. El tanto anual es del 8% y el IVA del 16%. Elaborar el cuadro de amortización.
Cuota Intereses
Cuota Amortización
Ultima cuota necesaria para liquidar el Valor Residual.Puede comprobarlo borrando esta celda.
Leasing prepagable con Valor Residual igual a una cuota adicional
16% IVA PAGO
52,304.11 8,368.66 60,672.7668,792.54 8,368.66 60,672.7686,600.05 8,368.66 60,672.76
105,832.17 8,368.66 60,672.76126,602.85 8,368.66 60,672.76149,035.18 8,368.66 60,672.76173,262.10 8,368.66 60,672.76199,427.18 8,368.66 60,672.76227,685.46 8,368.66 60,672.76258,204.41 8,368.66 60,672.76291,164.87 8,368.66 60,672.76326,762.16 8,368.66 60,672.76365,207.24 8,368.66 60,672.76406,727.93 8,368.66 60,672.76451,570.27 8,368.66 60,672.76500,000.00 8,368.66 60,672.76
Una operación de Leasing se contrata para financiar unas máquinas cuyo precio es de 500.000 €, a 15 años, con cuotas anuales prepagables y el valor residual es tal que se pagaría una cuota más un año más tarde para liquidar la operación. El tanto anual es
Capital Amortizado
Importe ###Años 10
3%0.25%
Una cuota
Recuperacion del costeCuota nºMes Periodo Acumulado Carga financieraCuota neta Cap. Vivo
1 0 12,432.84 12,432.84 0.00 12,432.84 ###2 1 9,213.92 21,646.76 3,218.92 12,432.84 ###3 2 9,236.96 30,883.72 3,195.88 12,432.84 ###4 3 9,260.05 40,143.77 3,172.79 12,432.84 ###5 4 9,283.20 49,426.97 3,149.64 12,432.84 ###6 5 9,306.41 58,733.38 3,126.43 12,432.84 ###7 6 9,329.67 68,063.05 3,103.17 12,432.84 ###8 7 9,353.00 77,416.05 3,079.84 12,432.84 ###9 8 9,376.38 86,792.43 3,056.46 12,432.84 ###
10 9 9,399.82 96,192.25 3,033.02 12,432.84 ###11 10 9,423.32 105,615.57 3,009.52 12,432.84 ###12 11 9,446.88 115,062.45 2,985.96 12,432.84 ###13 12 9,470.50 124,532.95 2,962.34 12,432.84 ###14 13 9,494.17 134,027.12 2,938.67 12,432.84 ###15 14 9,517.91 143,545.03 2,914.93 12,432.84 ###16 15 9,541.70 153,086.73 2,891.14 12,432.84 ###17 16 9,565.56 162,652.29 2,867.28 12,432.84 ###18 17 9,589.47 172,241.76 2,843.37 12,432.84 ###19 18 9,613.44 181,855.20 2,819.40 12,432.84 ###20 19 9,637.48 191,492.68 2,795.36 12,432.84 ###21 20 9,661.57 201,154.25 2,771.27 12,432.84 ###22 21 9,685.73 210,839.98 2,747.11 12,432.84 ###23 22 9,709.94 220,549.92 2,722.90 12,432.84 ###24 23 9,734.21 230,284.13 2,698.63 12,432.84 ###25 24 9,758.55 240,042.68 2,674.29 12,432.84 ###26 25 9,782.95 249,825.63 2,649.89 12,432.84 ###27 26 9,807.40 259,633.03 2,625.44 12,432.84 ###28 27 9,831.92 269,464.95 2,600.92 12,432.84 ###29 28 9,856.50 279,321.45 2,576.34 12,432.84 ###30 29 9,881.14 289,202.59 2,551.70 12,432.84 ###31 30 9,905.85 299,108.44 2,526.99 12,432.84 ###32 31 9,930.61 309,039.05 2,502.23 12,432.84 990,960.9533 32 9,955.44 318,994.49 2,477.40 12,432.84 981,005.5134 33 9,980.33 328,974.82 2,452.51 12,432.84 971,025.1835 34 10,005.28 338,980.10 2,427.56 12,432.84 961,019.9036 35 10,030.29 349,010.39 2,402.55 12,432.84 950,989.6137 36 10,055.37 359,065.76 2,377.47 12,432.84 940,934.24
Leasing donde el VR = última cuota
Elaborar el Cuadro de Amortización de una operación de Leasing de importe 1.300.000 €, duración 10 años, tipo de interés del 3% nominal anual, donde el valor residual es igual al importe de una cuota.
anualmensualResidual
+PAGO(0,25%;10*12+1;-1300000;;1)
38 37 10,080.50 369,146.26 2,352.34 12,432.84 930,853.7439 38 10,105.71 379,251.97 2,327.13 12,432.84 920,748.0340 39 10,130.97 389,382.94 2,301.87 12,432.84 910,617.0641 40 10,156.30 399,539.24 2,276.54 12,432.84 900,460.7642 41 10,181.69 409,720.93 2,251.15 12,432.84 890,279.0743 42 10,207.14 419,928.07 2,225.70 12,432.84 880,071.9344 43 10,232.66 430,160.73 2,200.18 12,432.84 869,839.2745 44 10,258.24 440,418.97 2,174.60 12,432.84 859,581.0346 45 10,283.89 450,702.86 2,148.95 12,432.84 849,297.1447 46 10,309.60 461,012.46 2,123.24 12,432.84 838,987.5448 47 10,335.37 471,347.83 2,097.47 12,432.84 828,652.1749 48 10,361.21 481,709.04 2,071.63 12,432.84 818,290.9650 49 10,387.11 492,096.15 2,045.73 12,432.84 807,903.8551 50 10,413.08 502,509.23 2,019.76 12,432.84 797,490.7752 51 10,439.11 512,948.34 1,993.73 12,432.84 787,051.6653 52 10,465.21 523,413.55 1,967.63 12,432.84 776,586.4554 53 10,491.37 533,904.92 1,941.47 12,432.84 766,095.0855 54 10,517.60 544,422.52 1,915.24 12,432.84 755,577.4856 55 10,543.90 554,966.42 1,888.94 12,432.84 745,033.5857 56 10,570.26 565,536.68 1,862.58 12,432.84 734,463.3258 57 10,596.68 576,133.36 1,836.16 12,432.84 723,866.6459 58 10,623.17 586,756.53 1,809.67 12,432.84 713,243.4760 59 10,649.73 597,406.26 1,783.11 12,432.84 702,593.7461 60 10,676.36 608,082.62 1,756.48 12,432.84 691,917.3862 61 10,703.05 618,785.67 1,729.79 12,432.84 681,214.3363 62 10,729.80 629,515.47 1,703.04 12,432.84 670,484.5364 63 10,756.63 640,272.10 1,676.21 12,432.84 659,727.9065 64 10,783.52 651,055.62 1,649.32 12,432.84 648,944.3866 65 10,810.48 661,866.10 1,622.36 12,432.84 638,133.9067 66 10,837.51 672,703.61 1,595.33 12,432.84 627,296.3968 67 10,864.60 683,568.21 1,568.24 12,432.84 616,431.7969 68 10,891.76 694,459.97 1,541.08 12,432.84 605,540.0370 69 10,918.99 705,378.96 1,513.85 12,432.84 594,621.0471 70 10,946.29 716,325.25 1,486.55 12,432.84 583,674.7572 71 10,973.65 727,298.90 1,459.19 12,432.84 572,701.1073 72 11,001.09 738,299.99 1,431.75 12,432.84 561,700.0174 73 11,028.59 749,328.58 1,404.25 12,432.84 550,671.4275 74 11,056.16 760,384.74 1,376.68 12,432.84 539,615.2676 75 11,083.80 771,468.54 1,349.04 12,432.84 528,531.4677 76 11,111.51 782,580.05 1,321.33 12,432.84 517,419.9578 77 11,139.29 793,719.34 1,293.55 12,432.84 506,280.6679 78 11,167.14 804,886.48 1,265.70 12,432.84 495,113.5280 79 11,195.06 816,081.54 1,237.78 12,432.84 483,918.4681 80 11,223.04 827,304.58 1,209.80 12,432.84 472,695.4282 81 11,251.10 838,555.68 1,181.74 12,432.84 461,444.3283 82 11,279.23 849,834.91 1,153.61 12,432.84 450,165.0984 83 11,307.43 861,142.34 1,125.41 12,432.84 438,857.6685 84 11,335.70 872,478.04 1,097.14 12,432.84 427,521.9686 85 11,364.04 883,842.08 1,068.80 12,432.84 416,157.9287 86 11,392.45 895,234.53 1,040.39 12,432.84 404,765.4788 87 11,420.93 906,655.46 1,011.91 12,432.84 393,344.5489 88 11,449.48 918,104.94 983.36 12,432.84 381,895.0690 89 11,478.10 929,583.04 954.74 12,432.84 370,416.9691 90 11,506.80 941,089.84 926.04 12,432.84 358,910.16
92 91 11,535.56 952,625.40 897.28 12,432.84 347,374.6093 92 11,564.40 964,189.80 868.44 12,432.84 335,810.2094 93 11,593.31 975,783.11 839.53 12,432.84 324,216.8995 94 11,622.30 987,405.41 810.54 12,432.84 312,594.5996 95 11,651.35 999,056.76 781.49 12,432.84 300,943.2497 96 11,680.48 1,010,737.24 752.36 12,432.84 289,262.7698 97 11,709.68 1,022,446.92 723.16 12,432.84 277,553.0899 98 11,738.96 1,034,185.88 693.88 12,432.84 265,814.12
100 99 11,768.30 1,045,954.18 664.54 12,432.84 254,045.82101 100 11,797.73 1,057,751.91 635.11 12,432.84 242,248.09102 101 11,827.22 1,069,579.13 605.62 12,432.84 230,420.87103 102 11,856.79 1,081,435.92 576.05 12,432.84 218,564.08104 103 11,886.43 1,093,322.35 546.41 12,432.84 206,677.65105 104 11,916.15 1,105,238.50 516.69 12,432.84 194,761.50106 105 11,945.94 1,117,184.44 486.90 12,432.84 182,815.56107 106 11,975.80 1,129,160.24 457.04 12,432.84 170,839.76108 107 12,005.74 1,141,165.98 427.10 12,432.84 158,834.02109 108 12,035.75 1,153,201.73 397.09 12,432.84 146,798.27110 109 12,065.84 1,165,267.57 367.00 12,432.84 134,732.43111 110 12,096.01 1,177,363.58 336.83 12,432.84 122,636.42112 111 12,126.25 1,189,489.83 306.59 12,432.84 110,510.17113 112 12,156.56 1,201,646.39 276.28 12,432.84 98,353.61114 113 12,186.96 1,213,833.35 245.88 12,432.84 86,166.65115 114 12,217.42 1,226,050.77 215.42 12,432.84 73,949.23116 115 12,247.97 1,238,298.74 184.87 12,432.84 61,701.26117 116 12,278.59 1,250,577.33 154.25 12,432.84 49,422.67118 117 12,309.28 1,262,886.61 123.56 12,432.84 37,113.39119 118 12,340.06 1,275,226.67 92.78 12,432.84 24,773.33120 119 12,370.91 1,287,597.58 61.93 12,432.84 12,402.42VR 120 12,402.42 1,300,000.00 31.01 12,433.43 0.00
En la última mensualidad se añaden 0,59 €, necesarios para ajustar el cuadro de amortización. Este pequeño error surge por los redondeos.
ImpuestoTotal cuota1,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.09
+PAGO(0,25%;10*12+1;-1300000;;1)
1,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.09
1,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.25 14,422.091,989.35 14,422.78
En la última mensualidad se añaden 0,59 €, necesarios para ajustar el cuadro de amortización. Este pequeño error surge por los redondeos.