Matemáticas financieras. Tabla de amortización en excel

In this video, I'm going to illustrate how to create an amortization table using Excel. Amortizing means " killing" a debt, and in this case, it means killing a debt. The best way to do this is by paying it off. It's important to clarify that each payment includes interest. Let's look at an example that illustrates this

situation: a debt of 500,000 monetary units must be amortized over 5 years with equal payments due at an annual interest rate of 8%. The outstanding balance is required to find the value of each payment and create an amortization table. First, we'll calculate the annual payment. To do this, above where it says "

Insert Function," there's an fdx option. Click on it, and a dialog box will appear. In that dialog box, where it says " Select a category," choose " Financial." Then, select "Function." Several options will appear; choose "Payment" and click "OK." Now, in this new dialog box, in "Rate," enter the rate shown in the problem, which in this case is

8%. The number of periods is five years, and the present value is the amount of the debt. By entering 500,000 monetary units, we click "accept." We then have an annual payment of 125,228.23 monetary units. This is one way to do it. Another way is to enter the values in the cell. We enter

the word "payment," double-click, and the rate appears. We enter 8%, separate it with a comma, and then the number of periods (five years). We add another comma, and where it says "present value," we enter 500,000 monetary units. We close the parentheses. If you compare the results, it's the same. You can choose either method to

find the payment amount. Now, in year zero, we enter 500,000 monetary units, which corresponds to the debt amount. And now, in the first, second, and fifth years, we have to pay 125,228.23 monetary units, which is the calculation we already made. I place the payment amount in the lower right corner of the cell