Este sería el cuadro de amortización de hipotecas aplicando el sistema Francés.
Sistema de amortización de hipotecas: sistema Frances vs Alemán
Para una hipoteca con las siguientes características:
- Principal: 120.000€
- Plazo amortización 10 años (120 meses)
- Interés: 2%
Mes | Amortización | Interés | Pago | Saldo |
0 | 120,000.00 | |||
1 | 245.77 | 2,400.00 | 2,645.77 | 119,754.23 |
2 | 250.69 | 2,395.08 | 2,645.77 | 119,503.54 |
3 | 255.70 | 2,390.07 | 2,645.77 | 119,247.84 |
4 | 260.81 | 2,384.96 | 2,645.77 | 118,987.03 |
5 | 266.03 | 2,379.74 | 2,645.77 | 118,720.99 |
6 | 271.35 | 2,374.42 | 2,645.77 | 118,449.64 |
7 | 276.78 | 2,368.99 | 2,645.77 | 118,172.86 |
8 | 282.31 | 2,363.46 | 2,645.77 | 117,890.55 |
9 | 287.96 | 2,357.81 | 2,645.77 | 117,602.59 |
10 | 293.72 | 2,352.05 | 2,645.77 | 117,308.87 |
11 | 299.59 | 2,346.18 | 2,645.77 | 117,009.28 |
12 | 305.59 | 2,340.19 | 2,645.77 | 116,703.69 |
13 | 311.70 | 2,334.07 | 2,645.77 | 116,391.99 |
14 | 317.93 | 2,327.84 | 2,645.77 | 116,074.06 |
15 | 324.29 | 2,321.48 | 2,645.77 | 115,749.77 |
16 | 330.78 | 2,315.00 | 2,645.77 | 115,418.99 |
17 | 337.39 | 2,308.38 | 2,645.77 | 115,081.60 |
18 | 344.14 | 2,301.63 | 2,645.77 | 114,737.46 |
19 | 351.02 | 2,294.75 | 2,645.77 | 114,386.44 |
20 | 358.04 | 2,287.73 | 2,645.77 | 114,028.40 |
21 | 365.20 | 2,280.57 | 2,645.77 | 113,663.19 |
22 | 372.51 | 2,273.26 | 2,645.77 | 113,290.68 |
23 | 379.96 | 2,265.81 | 2,645.77 | 112,910.73 |
24 | 387.56 | 2,258.21 | 2,645.77 | 112,523.17 |
25 | 395.31 | 2,250.46 | 2,645.77 | 112,127.86 |
26 | 403.21 | 2,242.56 | 2,645.77 | 111,724.65 |
27 | 411.28 | 2,234.49 | 2,645.77 | 111,313.37 |
28 | 419.50 | 2,226.27 | 2,645.77 | 110,893.86 |
29 | 427.89 | 2,217.88 | 2,645.77 | 110,465.97 |
30 | 436.45 | 2,209.32 | 2,645.77 | 110,029.52 |
31 | 445.18 | 2,200.59 | 2,645.77 | 109,584.34 |
32 | 454.08 | 2,191.69 | 2,645.77 | 109,130.25 |
33 | 463.17 | 2,182.61 | 2,645.77 | 108,667.08 |
34 | 472.43 | 2,173.34 | 2,645.77 | 108,194.65 |
35 | 481.88 | 2,163.89 | 2,645.77 | 107,712.78 |
36 | 491.52 | 2,154.26 | 2,645.77 | 107,221.26 |
37 | 501.35 | 2,144.43 | 2,645.77 | 106,719.91 |
38 | 511.37 | 2,134.40 | 2,645.77 | 106,208.54 |
39 | 521.60 | 2,124.17 | 2,645.77 | 105,686.94 |
40 | 532.03 | 2,113.74 | 2,645.77 | 105,154.91 |
41 | 542.67 | 2,103.10 | 2,645.77 | 104,612.23 |
42 | 553.53 | 2,092.24 | 2,645.77 | 104,058.71 |
43 | 564.60 | 2,081.17 | 2,645.77 | 103,494.11 |
44 | 575.89 | 2,069.88 | 2,645.77 | 102,918.22 |
45 | 587.41 | 2,058.36 | 2,645.77 | 102,330.81 |
46 | 599.16 | 2,046.62 | 2,645.77 | 101,731.66 |
47 | 611.14 | 2,034.63 | 2,645.77 | 101,120.52 |
48 | 623.36 | 2,022.41 | 2,645.77 | 100,497.16 |
49 | 635.83 | 2,009.94 | 2,645.77 | 99,861.33 |
50 | 648.55 | 1,997.23 | 2,645.77 | 99,212.78 |
51 | 661.52 | 1,984.26 | 2,645.77 | 98,551.27 |
52 | 674.75 | 1,971.03 | 2,645.77 | 97,876.52 |
53 | 688.24 | 1,957.53 | 2,645.77 | 97,188.28 |
54 | 702.01 | 1,943.77 | 2,645.77 | 96,486.27 |
55 | 716.05 | 1,929.73 | 2,645.77 | 95,770.23 |
56 | 730.37 | 1,915.40 | 2,645.77 | 95,039.86 |
57 | 744.97 | 1,900.80 | 2,645.77 | 94,294.89 |
58 | 759.87 | 1,885.90 | 2,645.77 | 93,535.01 |
59 | 775.07 | 1,870.70 | 2,645.77 | 92,759.94 |
60 | 790.57 | 1,855.20 | 2,645.77 | 91,969.37 |
61 | 806.38 | 1,839.39 | 2,645.77 | 91,162.98 |
62 | 822.51 | 1,823.26 | 2,645.77 | 90,340.47 |
63 | 838.96 | 1,806.81 | 2,645.77 | 89,501.51 |
64 | 855.74 | 1,790.03 | 2,645.77 | 88,645.77 |
65 | 872.86 | 1,772.92 | 2,645.77 | 87,772.91 |
66 | 890.31 | 1,755.46 | 2,645.77 | 86,882.60 |
67 | 908.12 | 1,737.65 | 2,645.77 | 85,974.48 |
68 | 926.28 | 1,719.49 | 2,645.77 | 85,048.20 |
69 | 944.81 | 1,700.96 | 2,645.77 | 84,103.39 |
70 | 963.70 | 1,682.07 | 2,645.77 | 83,139.68 |
71 | 982.98 | 1,662.79 | 2,645.77 | 82,156.71 |
72 | 1,002.64 | 1,643.13 | 2,645.77 | 81,154.07 |
73 | 1,022.69 | 1,623.08 | 2,645.77 | 80,131.38 |
74 | 1,043.14 | 1,602.63 | 2,645.77 | 79,088.24 |
75 | 1,064.01 | 1,581.76 | 2,645.77 | 78,024.23 |
76 | 1,085.29 | 1,560.48 | 2,645.77 | 76,938.94 |
77 | 1,106.99 | 1,538.78 | 2,645.77 | 75,831.95 |
78 | 1,129.13 | 1,516.64 | 2,645.77 | 74,702.82 |
79 | 1,151.72 | 1,494.06 | 2,645.77 | 73,551.10 |
80 | 1,174.75 | 1,471.02 | 2,645.77 | 72,376.35 |
81 | 1,198.24 | 1,447.53 | 2,645.77 | 71,178.11 |
82 | 1,222.21 | 1,423.56 | 2,645.77 | 69,955.90 |
83 | 1,246.65 | 1,399.12 | 2,645.77 | 68,709.24 |
84 | 1,271.59 | 1,374.18 | 2,645.77 | 67,437.66 |
85 | 1,297.02 | 1,348.75 | 2,645.77 | 66,140.64 |
86 | 1,322.96 | 1,322.81 | 2,645.77 | 64,817.68 |
87 | 1,349.42 | 1,296.35 | 2,645.77 | 63,468.26 |
88 | 1,376.41 | 1,269.37 | 2,645.77 | 62,091.85 |
89 | 1,403.93 | 1,241.84 | 2,645.77 | 60,687.92 |
90 | 1,432.01 | 1,213.76 | 2,645.77 | 59,255.91 |
91 | 1,460.65 | 1,185.12 | 2,645.77 | 57,795.25 |
92 | 1,489.87 | 1,155.91 | 2,645.77 | 56,305.39 |
93 | 1,519.66 | 1,126.11 | 2,645.77 | 54,785.72 |
94 | 1,550.06 | 1,095.71 | 2,645.77 | 53,235.67 |
95 | 1,581.06 | 1,064.71 | 2,645.77 | 51,654.61 |
96 | 1,612.68 | 1,033.09 | 2,645.77 | 50,041.93 |
97 | 1,644.93 | 1,000.84 | 2,645.77 | 48,396.99 |
98 | 1,677.83 | 967.94 | 2,645.77 | 46,719.16 |
99 | 1,711.39 | 934.38 | 2,645.77 | 45,007.77 |
100 | 1,745.62 | 900.16 | 2,645.77 | 43,262.16 |
101 | 1,780.53 | 865.24 | 2,645.77 | 41,481.63 |
102 | 1,816.14 | 829.63 | 2,645.77 | 39,665.49 |
103 | 1,852.46 | 793.31 | 2,645.77 | 37,813.03 |
104 | 1,889.51 | 756.26 | 2,645.77 | 35,923.52 |
105 | 1,927.30 | 718.47 | 2,645.77 | 33,996.22 |
106 | 1,965.85 | 679.92 | 2,645.77 | 32,030.37 |
107 | 2,005.16 | 640.61 | 2,645.77 | 30,025.21 |
108 | 2,045.27 | 600.50 | 2,645.77 | 27,979.94 |
109 | 2,086.17 | 559.60 | 2,645.77 | 25,893.76 |
110 | 2,127.90 | 517.88 | 2,645.77 | 23,765.87 |
111 | 2,170.45 | 475.32 | 2,645.77 | 21,595.41 |
112 | 2,213.86 | 431.91 | 2,645.77 | 19,381.55 |
113 | 2,258.14 | 387.63 | 2,645.77 | 17,123.41 |
114 | 2,303.30 | 342.47 | 2,645.77 | 14,820.11 |
115 | 2,349.37 | 296.40 | 2,645.77 | 12,470.74 |
116 | 2,396.36 | 249.41 | 2,645.77 | 10,074.38 |
117 | 2,444.28 | 201.49 | 2,645.77 | 7,630.10 |
118 | 2,493.17 | 152.60 | 2,645.77 | 5,136.93 |
119 | 2,543.03 | 102.74 | 2,645.77 | 2,593.89 |
120 | 2,593.89 | 51.88 | 2,645.77 | 0.00 |