{"id":24966,"date":"2022-04-19T14:16:09","date_gmt":"2022-04-19T19:16:09","guid":{"rendered":"https:\/\/niixer.com\/?p=24966"},"modified":"2022-04-22T08:36:42","modified_gmt":"2022-04-22T13:36:42","slug":"formulas-financieras-basicas-de-excel","status":"publish","type":"post","link":"https:\/\/niixer.com\/index.php\/2022\/04\/19\/formulas-financieras-basicas-de-excel\/","title":{"rendered":"Formulas Financieras B\u00e1sicas de Excel."},"content":{"rendered":"\n\n\n<p>Excel es una herramienta fundamental dentro de una organizaci\u00f3n, usada por varios departamentos, como el contable, financiero, administrativo, inventario, mercadeo entre otros. Esta herramienta es tan vers\u00e1til que puede cumplir con cualquier requerimiento que se le proponga. En este ocasi\u00f3n veremos unas funciones de Excel que nos pueden ayudar a ahorrar tiempo y tener una de hoja de c\u00e1lculo muchos m\u00e1s vers\u00e1til dependiendo de los requerimientos que nos exijan. <\/p>\n\n\n\n<p>Bueno como administradores debemos tener un conocimiento financiero y que mejor herramienta que Excel para ayudarnos en la toma de decisiones financieras; como por ejemplo a la hora de tomar un cr\u00e9dito con una entidad bancaria y esto lo podemos hacer  creando una tabla de amortizaci\u00f3n con cuotas fijas y variables. para poder analizar si el pr\u00e9stamo que se quiere pedir es viable o no. Es por lo anterior que te presentare la siguiente gu\u00eda b\u00e1sica para realizar el c\u00e1lculo de cuota de un pr\u00e9stamo.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>F\u00f3rmula Pago: C\u00e1lculo de cuota&nbsp;<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Primero debemos realizar una peque\u00f1a tabla en Excel con los siguientes datos;&nbsp;<strong>Pr\u00e9stamo, Plazo, Inter\u00e9s Anual, y Vlr. A Pagar,<\/strong>&nbsp;seg\u00fan la siguiente grafica.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"647\" height=\"325\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.07.12-p.-m..png\" alt=\"\" class=\"wp-image-25103\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.07.12-p.-m..png 647w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.07.12-p.-m.-300x151.png 300w\" sizes=\"auto, (max-width: 647px) 100vw, 647px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Luego debemos ingresar la informaci\u00f3n en la celda de al frente de cada una de los datos que requiere la tabla, por lo generar esta informaci\u00f3n es suministrada por la identidad financiera, pero para nuestro caso ingresaremos los siguientes datos, que corresponden a un pr\u00e9stamo de vivienda de inter\u00e9s social.<\/li><\/ul>\n\n\n\n<p><strong>Pr\u00e9stamo:<\/strong>&nbsp;$110.000.000 (Valor del Pr\u00e9stamo)<\/p>\n\n\n\n<p><strong>Plazo:&nbsp;<\/strong>120 (Que equivalen a 10 a\u00f1os)<\/p>\n\n\n\n<p><strong>Inter\u00e9s:<\/strong>&nbsp;11% (Anual)<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"531\" height=\"250\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.32.19-p.-m..png\" alt=\"\" class=\"wp-image-25104\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.32.19-p.-m..png 531w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.32.19-p.-m.-300x141.png 300w\" sizes=\"auto, (max-width: 531px) 100vw, 531px\" \/><\/figure><\/div>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Luego en&nbsp;<strong>Vlr. A Pagar<\/strong>&nbsp;ingresaremos =<strong>Pago,&nbsp;<\/strong>y seleccionamos&nbsp;<strong>PAGO<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"527\" height=\"397\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.33.34-p.-m..png\" alt=\"\" class=\"wp-image-25105\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.33.34-p.-m..png 527w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-2.33.34-p.-m.-300x226.png 300w\" sizes=\"auto, (max-width: 527px) 100vw, 527px\" \/><\/figure><\/div>\n\n\n\n<p><strong>=PAGO(tasa;nper;va)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>En&nbsp;<strong>tasa<\/strong>&nbsp;seleccionaremos la celda donde est\u00e1 el % de la tasa en nuestro caso la celda&nbsp;<strong>C4&nbsp;<\/strong>y lo dividimos por 12 ya que esta tasa es anual y debemos hallar la tasa mensual.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"489\" height=\"227\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.04.03-p.-m..png\" alt=\"\" class=\"wp-image-25106\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.04.03-p.-m..png 489w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.04.03-p.-m.-300x139.png 300w\" sizes=\"auto, (max-width: 489px) 100vw, 489px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>En&nbsp;<strong>nper&nbsp;<\/strong>seleccionaremos la celda donde est\u00e1 el n\u00famero de periodos o plazo en nuestro caso la celda&nbsp;<strong>C3<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"494\" height=\"228\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.04.16-p.-m..png\" alt=\"\" class=\"wp-image-25108\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.04.16-p.-m..png 494w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.04.16-p.-m.-300x138.png 300w\" sizes=\"auto, (max-width: 494px) 100vw, 494px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>En &#8220;<strong>va&#8221;<\/strong> ingresamos el signo menos luego seleccionaremos la celda donde est\u00e1 el valor del pr\u00e9stamo, en nuestro caso la celda&nbsp;<strong>C2&nbsp;<\/strong>y cerramos con un cerramos el par\u00e9ntesis.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"505\" height=\"243\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.05.50-p.-m..png\" alt=\"\" class=\"wp-image-25109\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.05.50-p.-m..png 505w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.05.50-p.-m.-300x144.png 300w\" sizes=\"auto, (max-width: 505px) 100vw, 505px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Luego oprimimos enter y aparecer\u00e1 el valor de la cuta mensual que se debe pagar por el pr\u00e9stamo.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"492\" height=\"275\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.09.05-p.-m..png\" alt=\"\" class=\"wp-image-25113\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.09.05-p.-m..png 492w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.09.05-p.-m.-300x168.png 300w\" sizes=\"auto, (max-width: 492px) 100vw, 492px\" \/><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Formulas para el c\u00e1lculo de intereses con tabla de amortizaci\u00f3n y cuota fija.<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Para calcular la amortizaci\u00f3n, inter\u00e9s y saldo realizaremos la siguiente tabla.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"664\" height=\"469\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.29.17-p.-m..png\" alt=\"\" class=\"wp-image-25120\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.29.17-p.-m..png 664w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.29.17-p.-m.-300x212.png 300w\" sizes=\"auto, (max-width: 664px) 100vw, 664px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>En la celda <strong>C9<\/strong> ingresaremos el dato de la celda <strong>=C5<\/strong> Presionamos <strong>F4<\/strong> para que la celda escogida que de fija <strong>=$C$5,<\/strong>&nbsp;<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"386\" height=\"279\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.37.17-p.-m..png\" alt=\"\" class=\"wp-image-25119\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.37.17-p.-m..png 386w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.37.17-p.-m.-300x217.png 300w\" sizes=\"auto, (max-width: 386px) 100vw, 386px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>oprimimos enter y arrastramos hasta el final de la tabla.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"372\" height=\"339\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.38.35-p.-m..png\" alt=\"\" class=\"wp-image-25118\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.38.35-p.-m..png 372w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.38.35-p.-m.-300x273.png 300w\" sizes=\"auto, (max-width: 372px) 100vw, 372px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Ahora en la cuota 0 en al celda F9, pondremos =C2 que es el valor del pr\u00e9stamo $110.000.000&nbsp;<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"669\" height=\"256\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.41.43-p.-m..png\" alt=\"\" class=\"wp-image-25123\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.41.43-p.-m..png 669w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.41.43-p.-m.-300x115.png 300w\" sizes=\"auto, (max-width: 669px) 100vw, 669px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Formula de amortizaci\u00f3n<\/strong>, nos ubicamos en la celda F10 e ingresamos la siguiente formula&nbsp;<strong>=F9-E10<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"367\" height=\"130\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.45.02-p.-m..png\" alt=\"\" class=\"wp-image-25126\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.45.02-p.-m..png 367w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.45.02-p.-m.-300x106.png 300w\" sizes=\"auto, (max-width: 367px) 100vw, 367px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Ahora arrastramos el resultado hasta el final de la tabla.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"479\" height=\"250\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.51.03-p.-m..png\" alt=\"\" class=\"wp-image-25131\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.51.03-p.-m..png 479w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.51.03-p.-m.-300x157.png 300w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.51.03-p.-m.-390x205.png 390w\" sizes=\"auto, (max-width: 479px) 100vw, 479px\" \/><\/figure><\/div>\n\n\n\n<p>Formula de Amortizaci\u00f3n: nos ubicamos en la cuota 1 en la columna de amortizaci\u00f3n celda E10, e ingresamos la siguiente formula&nbsp;<strong>=C10-D10<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"520\" height=\"128\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.53.23-p.-m..png\" alt=\"\" class=\"wp-image-25132\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.53.23-p.-m..png 520w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.53.23-p.-m.-300x74.png 300w\" sizes=\"auto, (max-width: 520px) 100vw, 520px\" \/><\/figure><\/div>\n\n\n\n<p>Luego arrastramos el resultado hasta el final de la tabla<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"601\" height=\"301\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.51.19-p.-m..png\" alt=\"\" class=\"wp-image-25125\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.51.19-p.-m..png 601w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.51.19-p.-m.-300x150.png 300w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>F\u00f3rmula de Inter\u00e9s:<\/strong> Para la f\u00f3rmula de inter\u00e9s nos ubicamos en la celda D10 y seleccionamos el saldo anterior por el inter\u00e9s fijando esta ultima celda y dividi\u00e9ndolo por la cantidad de cuotas al a\u00f1oa que 12<\/li><\/ul>\n\n\n\n<p><strong>=F9*$C$4\/12<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"705\" height=\"303\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.58.11-p.-m..png\" alt=\"\" class=\"wp-image-25117\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.58.11-p.-m..png 705w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-3.58.11-p.-m.-300x129.png 300w\" sizes=\"auto, (max-width: 705px) 100vw, 705px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>&nbsp;Por ultimo arrastramos el resultado hat el final de la tabla y verificamos que el saldo de la cuota 12 este en cero, lo cual nos indica que&nbsp;las formulas quedan bien aplicas.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C\u00e1lculo de intereses con tabla de amortizaci\u00f3n y cuota variable.<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Para calcular la amortizaci\u00f3n, inter\u00e9s y saldo realizaremos la siguiente tabla.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"599\" height=\"474\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.02.53-p.-m..png\" alt=\"\" class=\"wp-image-25116\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.02.53-p.-m..png 599w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.02.53-p.-m.-300x237.png 300w\" sizes=\"auto, (max-width: 599px) 100vw, 599px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>En la celda C9 ingresaremos la formula de =<strong>PAGOINT<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"605\" height=\"504\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.05.07-p.-m..png\" alt=\"\" class=\"wp-image-25114\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.05.07-p.-m..png 605w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.05.07-p.-m.-300x250.png 300w\" sizes=\"auto, (max-width: 605px) 100vw, 605px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Luego vamos seleccionando primero el inter\u00e9s Anual, fijamos esa celda con F4, la dividimos por 12.<\/li><li>Luego seleccionamos el numero de la primera cuota, despu\u00e9s seleccionamos la cantidad de cuotas, fijamos esa celda con F4.<\/li><li>Por ultimo colocamos el signo menos seleccionamos el valor del pr\u00e9stamo, fijamos la celda con F4 y cerramos la formula con un par\u00e9ntesis.<\/li><\/ul>\n\n\n\n<p><strong>=PAGOINT($C$4\/12;B9;$C$3;-$C$2)<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"492\" height=\"275\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.09.05-p.-m..png\" alt=\"\" class=\"wp-image-25113\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.09.05-p.-m..png 492w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.09.05-p.-m.-300x168.png 300w\" sizes=\"auto, (max-width: 492px) 100vw, 492px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Arrastramos el resultado hasta el final de la tabla.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"401\" height=\"433\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.59.12-p.-m..png\" alt=\"\" class=\"wp-image-25134\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.59.12-p.-m..png 401w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-1.59.12-p.-m.-278x300.png 278w\" sizes=\"auto, (max-width: 401px) 100vw, 401px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Luego aplicaremos la formula para el pago Capital<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"605\" height=\"504\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.05.07-p.-m..png\" alt=\"\" class=\"wp-image-25114\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.05.07-p.-m..png 605w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-18-a-las-4.05.07-p.-m.-300x250.png 300w\" sizes=\"auto, (max-width: 605px) 100vw, 605px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Seleccionamos el inter\u00e9s anual fijamos con la tecla F4, y dividimos por 12 que es el n\u00famero de meses del a\u00f1o, luego seleccionamos la cuota inicial, despu\u00e9s escogemos el plazo del cr\u00e9dito, fijamos la celda con F4, despu\u00e9s colocamos el signo menos y escogemos el valor del cr\u00e9dito fijando con la tecla F4, damos enter y arrastraos el resultado hasta el final de la tabla.<\/li><\/ul>\n\n\n\n<p><strong>=PAGOPRIN($C$4\/12;B9;$C$3;-$C$2)<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"495\" height=\"217\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.01.23-p.-m..png\" alt=\"\" class=\"wp-image-25136\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.01.23-p.-m..png 495w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.01.23-p.-m.-300x132.png 300w\" sizes=\"auto, (max-width: 495px) 100vw, 495px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Continuamos seleccionado el resultado, arrastramos hasta el final de la tabla y verificamos que el resultado de la \u00faltima celda sea mayor que el inicial ya que tengamos en cuenta que en este tipo de cr\u00e9ditos los inter\u00e9s son mayores al principio que al final por ende la cuota de capital es mayor al final que en la primera cuota.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"717\" height=\"395\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.02.32-p.-m..png\" alt=\"\" class=\"wp-image-25137\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.02.32-p.-m..png 717w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.02.32-p.-m.-300x165.png 300w\" sizes=\"auto, (max-width: 717px) 100vw, 717px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Para la f\u00f3rmula de Saldo ingresaremos una fila entre la primera cuota y el t\u00edtulo de la tabla colocamos los tres primeros valores en cero y en la columna de saldo copiamos el valor total del prestamos&nbsp;<strong>=C2.<\/strong><\/li><li>Luego agregamos la siguiente formula&nbsp;<strong>=E9-D10<\/strong>&nbsp;es decir el saldo inicial menos el pago a capital de ese periodo<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.03.43-p.-m..png\" alt=\"\" class=\"wp-image-25138\" width=\"480\" height=\"245\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.03.43-p.-m..png 480w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.03.43-p.-m.-300x153.png 300w\" sizes=\"auto, (max-width: 480px) 100vw, 480px\" \/><\/figure><\/div>\n\n\n\n<ul class=\"wp-block-list\"><li>Para finalizar seleccionamos el resultado, arrastramos hasta el final de la tabla y verificamos que el resultado de la \u00faltima celda sea cero.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"542\" height=\"448\" src=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.04.58-p.-m..png\" alt=\"\" class=\"wp-image-25139\" srcset=\"https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.04.58-p.-m..png 542w, https:\/\/niixer.com\/wp-content\/uploads\/2022\/04\/Captura-de-Pantalla-2022-04-19-a-las-2.04.58-p.-m.-300x248.png 300w\" sizes=\"auto, (max-width: 542px) 100vw, 542px\" \/><\/figure><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>De esta manera finalizamos la amortizaci\u00f3n del cr\u00e9dito y podemos ver en cada periodo cuanto est\u00e1 destinado para inter\u00e9s de la cuota variable que se est\u00e1 pagando y n\u00f3tese que la suma del vlr de inter\u00e9s y la suma del pago de capital es la misma del valor de la cuota a Pagar.<\/p>\n\n\n\n<p><strong>Categor\u00eda<\/strong>: Ofimatica<\/p>\n\n\n\n<p><strong>Autor:<\/strong> OSMAN CAMILO HERRERA MOSQUERA<\/p>\n\n\n\n<p><strong>Editor:<\/strong> CARLOS IVAN PINZON ROMERO<\/p>\n\n\n\n<p><strong>C\u00f3digo:<\/strong> UCHIG-7<\/p>\n\n\n\n<p><strong>Universidad Central<\/strong><\/p>\n\n\n\n<p><strong>Fuentes:<\/strong><\/p>\n\n\n\n<p>El T\u00edo Tech. (Septiembre 2021). Funci\u00f3n Pago en Excel (Calculo de cuota de un pr\u00e9stamo basado en pagos y tasa de inter\u00e9s constantes) [Video]. YouTube. <a href=\"https:\/\/www.youtube.com\/watch?v=e25hmNaIlSw\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.youtube.com\/watch?v=e25hmNaIlSw<\/a><\/p>\n\n\n\n<p>Excel Total. (2022).  TABLA DE AMORTIZACI\u00d3N EN EXCEL. Excel Total.<a href=\"https:\/\/exceltotal.com\/tabla-de-amortizacion-en-excel\/\" target=\"_blank\" rel=\"noreferrer noopener\"> https:\/\/exceltotal.com\/tabla-de-amortizacion-en-excel\/<\/a><\/p>\n\n\n\n<p><strong>Imagenes<\/strong>:<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Como crear una tabla de amortizaci\u00f3n con cuotas fijas y variables<\/p>\n","protected":false},"author":358,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[1972,1971],"tags":[1967,1970,1691,1968],"class_list":["post-24966","post","type-post","status-publish","format-standard","hentry","category-excel","category-ofimatica","tag-excel","tag-formulas","tag-funciones","tag-hojas-de-calculo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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