ANUALIDAD Y AMORTIZACIÓN

                                      Formula      A=C*i/1-(1+i)-n

ANUALIDAD
-Cantidad de dinero igual
-En periodos y tiempos iguales
-No tiene que incluir forzosamente en plazo de tiempo anuales

AMORTIZACIÓN
-Es la cantidad de dinero que salda gradualmente una deuda
-Considerando los intereses que genera dicha deuda
-Respetando los plazos de tiempo estipulados

ejemplo:
Institucion
capital: 463200
tasa de interes : 39% anual
tiempo: 5 años
tiempo 30 bimestres
interes: 0.058333333

ALTERNATIVA 2	fecha de pago	anualidad	interes	amortizacion	saldos	0.05833333	463200
1	26/12/2015	$33,053.06	$27,020.00	$6,033.06	$457,166.94
2	26/02/2016	$33,053.06	$26,668.07	$6,384.98	$450,781.96
3	26/04/2016	$33,053.06	$26,295.61	$6,757.44	$444,024.52
4	26/06/2016	$33,053.06	$25,901.43	$7,151.63	$436,872.89
5	26/08/2016	$33,053.06	$25,484.25	$7,568.80	$429,304.09
6	26/10/2016	$33,053.06	$25,042.74	$8,010.32	$421,293.77
7	26/12/2016	$33,053.06	$24,575.47	$8,477.59	$412,816.18
8	26/02/2017	$33,053.06	$24,080.94	$8,972.11	$403,844.07
9	26/04/2017	$33,053.06	$23,557.57	$9,495.49	$394,348.58
10	26/06/2017	$33,053.06	$23,003.67	$10,049.39	$384,299.19
11	26/08/2017	$33,053.06	$22,417.45	$10,635.60	$373,663.59
12	26/10/2017	$33,053.06	$21,797.04	$11,256.01	$362,407.58
13	26/12/2017	$33,053.06	$21,140.44	$11,912.61	$350,494.96
14	26/02/2018	$33,053.06	$20,445.54	$12,607.52	$337,887.45
15	26/04/2018	$33,053.06	$19,710.10	$13,342.96	$324,544.49
16	26/06/2018	$33,053.06	$18,931.76	$14,121.29	$310,423.20
17	26/08/2018	$33,053.06	$18,108.02	$14,945.04	$295,478.16
18	26/10/2018	$33,053.06	$17,236.23	$15,816.83	$279,661.33
19	26/12/2018	$33,053.06	$16,313.58	$16,739.48	$262,921.85
20	26/02/2019	$33,053.06	$15,337.11	$17,715.95	$245,205.90
21	26/04/2019	$33,053.06	$14,303.68	$18,749.38	$226,456.52
22	26/06/2019	$33,053.06	$13,209.96	$19,843.09	$206,613.43
23	26/08/2019	$33,053.06	$12,052.45	$21,000.61	$185,612.82
24	26/10/2019	$33,053.06	$10,827.41	$22,225.64	$163,387.18
25	26/12/2019	$33,053.06	$9,530.92	$23,522.14	$139,865.05
26	26/02/2020	$33,053.06	$8,158.79	$24,894.26	$114,970.78
27	26/04/2020	$33,053.06	$6,706.63	$26,346.43	$88,624.36
28	26/06/2020	$33,053.06	$5,169.75	$27,883.30	$60,741.05
29	26/08/2020	$33,053.06	$3,543.23	$29,509.83	$31,231.23
30	26/10/2020	$33,053.06	$1,821.82	$31,231.23	-                  0.01