This document summarizes the amortization schedule for a 3-year loan of $100,000 with a monthly interest rate of 0.0375% using a decreasing balance model. It shows the interest, principal, payment and remaining balance over the course of the loan for each month. It then compares the total interest paid for this loan versus two other financing options.

1. C 100000
continental financiero
i 0.0375 mensual i
años 3 años
modelo decreciente modelo
# AMORT INTERES CUOTA SALDO # AMORT
0 100,000 0
1 2,777.78 3,750.00 6,527.78 97,222.22 1 584.80
2 2,777.78 3,645.83 6,423.61 94,444.44 2 1,169.59
3 2,777.78 3,541.67 6,319.44 91,666.67 3 1,754.39
4 2,777.78 3,437.50 6,215.28 88,888.89 4 2,339.18
5 2,777.78 3,333.33 6,111.11 86,111.11 5 2,923.98
6 2,777.78 3,229.17 6,006.94 83,333.33 6 3,508.77
7 2,777.78 3,125.00 5,902.78 80,555.56 7 4,093.57
8 2,777.78 3,020.83 5,798.61 77,777.78 8 4,678.36
9 2,777.78 2,916.67 5,694.44 75,000.00 9 5,263.16
10 2,777.78 2,812.50 5,590.28 72,222.22 10 5,847.95
11 2,777.78 2,708.33 5,486.11 69,444.44 11 6,432.75
12 2,777.78 2,604.17 5,381.94 66,666.67 12 7,017.54
13 2,777.78 2,500.00 5,277.78 63,888.89 13 7,602.34
14 2,777.78 2,395.83 5,173.61 61,111.11 14 8,187.13
15 2,777.78 2,291.67 5,069.44 58,333.33 15 8,771.93
16 2,777.78 2,187.50 4,965.28 55,555.56 16 9,356.73
17 2,777.78 2,083.33 4,861.11 52,777.78 17 9,941.52
18 2,777.78 1,979.17 4,756.94 50,000.00 18 10,526.32
19 2,777.78 1,875.00 4,652.78 47,222.22 100,000
20 2,777.78 1,770.83 4,548.61 44,444.44
21 2,777.78 1,666.67 4,444.44 41,666.67
22 2,777.78 1,562.50 4,340.28 38,888.89
23 2,777.78 1,458.33 4,236.11 36,111.11
24 2,777.78 1,354.17 4,131.94 33,333.33
25 2,777.78 1,250.00 4,027.78 30,555.56
26 2,777.78 1,145.83 3,923.61 27,777.78
27 2,777.78 1,041.67 3,819.44 25,000.00
28 2,777.78 937.50 3,715.28 22,222.22
29 2,777.78 833.33 3,611.11 19,444.44
30 2,777.78 729.17 3,506.94 16,666.67
31 2,777.78 625.00 3,402.78 13,888.89
32 2,777.78 520.83 3,298.61 11,111.11
33 2,777.78 416.67 3,194.44 8,333.33
34 2,777.78 312.50 3,090.28 5,555.56
35 2,777.78 208.33 2,986.11 2,777.78
36 2,777.78 104.17 2,881.94 0.00
100,000 69,375 169,375
PRIMERA PARTE

2. 1) pago final
continental 169,375.00 CONVIENE TIENE MENOR INTERES PAGADO
financiero 196,611.11
c.piura 184,832.74
continental continental
i 0.0375 mensual i
años 3 años
modelo decreciente modelo
# AMORT INTERES CUOTA SALDO # AMORT
0 100,000 0
1 1,357 3,750 5,107 98,643 1 2,714
2 1,408 3,699 5,107 97,235 2 2,926
3 1,461 3,646 5,107 95,774 3 3,156
4 1,516 3,592 5,107 94,259 4 3,403
5 1,572 3,535 5,107 92,686 5 3,669
6 1,631 3,476 5,107 91,055 6 3,957
7 1,692 3,415 5,107 89,363 7 4,267
8 1,756 3,351 5,107 87,607 8 4,601
9 1,822 3,285 5,107 85,785 9 4,961
10 1,890 3,217 5,107 83,895 10 5,350
11 1,961 3,146 5,107 81,934 11 5,769
12 2,035 3,073 5,107 79,899 12 6,221
13 2,111 2,996 5,107 77,788 13 6,708
14 2,190 2,917 5,107 75,598 14 7,234
15 2,272 2,835 5,107 73,326 15 7,801
16 2,357 2,750 5,107 70,969 16 8,412
17 2,446 2,661 5,107 68,523 17 9,070
18 2,537 2,570 5,107 65,986 18 9,781
19 2,633 2,474 5,107 63,353 100,000
20 2,731 2,376 5,107 60,622
21 2,834 2,273 5,107 57,788
22 2,940 2,167 5,107 54,848
23 3,050 2,057 5,107 51,798
24 3,165 1,942 5,107 48,633
25 3,283 1,824 5,107 45,350
26 3,406 1,701 5,107 41,943
27 3,534 1,573 5,107 38,409
28 3,667 1,440 5,107 34,742
29 3,804 1,303 5,107 30,938
30 3,947 1,160 5,107 26,991
31 4,095 1,012 5,107 22,896
SEGUNDA PARTE

3. 32 4,248 859 5,107 18,648
33 4,408 699 5,107 14,240
34 4,573 534 5,107 9,667
35 4,745 363 5,107 4,922
36 4,922 185 5,107 -
100,000 83,854.18 183,854.18
2) pago final
continental 183,854.18 CONVIENE TIENE MENOR INTERES PAGADO
financiero 189,848.71
c.piura 184,832.74

4. caja piura
0.078333333 bimestral i 0.11
3 años 3
creciente modelo cuotas fijas
INTERES CUOTA SALDO # AMORT INTERES
100,000.00 0
7,833.33 8,418.13 99,415.20 1 4,402.73 11,000.00
7,787.52 8,957.12 98,245.61 2 4,887.03 10,515.70
7,695.91 9,450.29 96,491.23 3 5,424.60 9,978.13
7,558.48 9,897.66 94,152.05 4 6,021.31 9,381.42
7,375.24 10,299.22 91,228.07 5 6,683.65 8,719.08
7,146.20 10,654.97 87,719.30 6 7,418.85 7,983.87
6,871.35 10,964.91 83,625.73 7 8,234.93 7,167.80
6,550.68 11,229.04 78,947.37 8 9,140.77 6,261.96
6,184.21 11,447.37 73,684.21 9 10,146.25 5,256.47
5,771.93 11,619.88 67,836.26 10 11,262.34 4,140.39
5,313.84 11,746.59 61,403.51 11 12,501.20 2,901.53
4,809.94 11,827.49 54,385.96 12 13,876.33 1,526.40
4,260.23 11,862.57 46,783.63 100,000 84,832.74
3,664.72 11,851.85 38,596.49
3,023.39 11,795.32 29,824.56
2,336.26 11,692.98 20,467.84
1,603.31 11,544.83 10,526.32
824.56 11,350.88 0.00
96,611.11 196,611.11
PRIMERA PARTE

5. CONVIENE TIENE MENOR INTERES PAGADO
continental
0.078333333 bimestral i 0.11
3 años 3
creciente modelo cuotas fijas
INTERES CUOTA SALDO # AMORT INTERES
100,000 0
7,833 10,547 97,286 1 4,403 11,000
7,621 10,547 94,360 2 4,887 10,516
7,392 10,547 91,204 3 5,425 9,978
7,144 10,547 87,801 4 6,021 9,381
6,878 10,547 84,132 5 6,684 8,719
6,590 10,547 80,175 6 7,419 7,984
6,280 10,547 75,908 7 8,235 7,168
5,946 10,547 71,307 8 9,141 6,262
5,586 10,547 66,346 9 10,146 5,256
5,197 10,547 60,996 10 11,262 4,140
4,778 10,547 55,227 11 12,501 2,902
4,326 10,547 49,006 12 13,876 1,526
3,839 10,547 42,297 100,000 84,832.74
3,313 10,547 35,063
2,747 10,547 27,263
2,136 10,547 18,851
1,477 10,547 9,781
766 10,547 0
89,848.71 189,848.71
SEGUNDA PARTE

6. CONVIENE TIENE MENOR INTERES PAGADO

7. trimestral
CUOTA SALDO
100,000.00
15,402.73 95,597.27
15,402.73 90,710.24
15,402.73 85,285.64
15,402.73 79,264.33
15,402.73 72,580.68
15,402.73 65,161.83
15,402.73 56,926.90
15,402.73 47,786.13
15,402.73 37,639.87
15,402.73 26,377.53
15,402.73 13,876.33
15,402.73 0.00
184,832.74

8. trimestral
CUOTA SALDO
100,000
15,403 95,597
15,403 90,710
15,403 85,286
15,403 79,264
15,403 72,581
15,403 65,162
15,403 56,927
15,403 47,786
15,403 37,640
15,403 26,378
15,403 13,876
15,403 -
184,832.74