Elaboración de Tablas de Amortización

Video Summary

The video titled "Elaboración de Tablas de Amortización" discusses two methodologies for constructing Amortization Tables, focusing on a loan scenario with a principal of 100 pesos, a 10% annual Interest Rate, and a repayment period of three years.

Main Financial Strategies and Methodologies:

• Constant Amortization with Irregular Payments:
  • Amortization is defined as the portion of the principal that is paid down.
  • Interest is calculated on the outstanding balance from the previous period.
  • The outstanding balance decreases by the amortization amount each period.
  • Payments vary, starting higher and decreasing over time.
• Irregular Amortization with Constant Annuity:
  • An Annuity is defined as equal payments made at regular intervals.
  • The Excel Annuity formula is utilized to determine the fixed payment amount.
  • The interest is calculated similarly, based on the previous outstanding balance.
  • Amortization is derived from the difference between the Annuity payment and the interest.

Step-by-Step Methodology:

• For Constant Amortization:
  • Identify the total principal and Interest Rate.
  • Calculate the interest based on the previous outstanding balance.
  • Determine the amortization amount for each period.
  • Update the outstanding balance after each payment.
  • Graph the amortization and interest to visualize changes over time.
• For Irregular Amortization with Constant Annuity:
  • Use the Annuity formula in Excel to calculate the fixed payment.
  • Calculate interest on the outstanding balance.
  • Determine the amortization by subtracting interest from the Annuity payment.
  • Update the outstanding balance accordingly.
  • Create graphs to compare the amortization and interest trends.

Presenters/Sources:

The video does not specify individual presenters but focuses on the methodologies of amortization table construction using Excel.