Buenas,
Pues según lo que yo tengo entendido cuando te queden por pagar 60.000 la cuota a pagar será la misma pero amortizaras más capitan y los interesen seran menores.
Por que como comentas los intereses se calculan conforme a lo que te quede por pagar.
Se puede ver en este cuadro de amortización que añado.
Año Mes Cuota Interes Amortizacion Capital
1 1 527.83 333.33 194.5 99805.5
1 2 527.83 332.69 195.14 99610.36
1 3 527.83 332.03 195.8 99414.56
1 4 527.83 331.38 196.45 99218.11
1 5 527.83 330.73 197.1 99021.01
1 6 527.83 330.07 197.76 98823.25
1 7 527.83 329.41 198.42 98624.83
1 8 527.83 328.75 199.08 98425.75
1 9 527.83 328.09 199.74 98226.01
1 10 527.83 327.42 200.41 98025.6
1 11 527.83 326.75 201.08 97824.52
1 12 527.83 326.08 201.75 97622.77
2 1 527.83 325.41 202.42 97420.35
2 2 527.83 324.73 203.1 97217.25
2 3 527.83 324.06 203.77 97013.48
2 4 527.83 323.38 204.45 96809.03
2 5 527.83 322.7 205.13 96603.9
2 6 527.83 322.01 205.82 96398.08
2 7 527.83 321.33 206.5 96191.58
2 8 527.83 320.64 207.19 95984.39
2 9 527.83 319.95 207.88 95776.51
2 10 527.83 319.26 208.57 95567.94
2 11 527.83 318.56 209.27 95358.67
2 12 527.83 317.86 209.97 95148.7
3 1 527.83 317.16 210.67 94938.03
3 2 527.83 316.46 211.37 94726.66
3 3 527.83 315.76 212.07 94514.59
3 4 527.83 315.05 212.78 94301.81
3 5 527.83 314.34 213.49 94088.32
3 6 527.83 313.63 214.2 93874.12
3 7 527.83 312.91 214.92 93659.2
3 8 527.83 312.2 215.63 93443.57
3 9 527.83 311.48 216.35 93227.22
3 10 527.83 310.76 217.07 93010.15
3 11 527.83 310.03 217.8 92792.35
3 12 527.83 309.31 218.52 92573.83
4 1 527.83 308.58 219.25 92354.58
4 2 527.83 307.85 219.98 92134.6
4 3 527.83 307.12 220.71 91913.89
4 4 527.83 306.38 221.45 91692.44
4 5 527.83 305.64 222.19 91470.25
4 6 527.83 304.9 222.93 91247.32
4 7 527.83 304.16 223.67 91023.65
4 8 527.83 303.41 224.42 90799.23
4 9 527.83 302.66 225.17 90574.06
4 10 527.83 301.91 225.92 90348.14
4 11 527.83 301.16 226.67 90121.47
4 12 527.83 300.4 227.43 89894.04
5 1 527.83 299.65 228.18 89665.86
5 2 527.83 298.89 228.94 89436.92
5 3 527.83 298.12 229.71 89207.21
5 4 527.83 297.36 230.47 88976.74
5 5 527.83 296.59 231.24 88745.5
5 6 527.83 295.82 232.01 88513.49
5 7 527.83 295.04 232.79 88280.7
5 8 527.83 294.27 233.56 88047.14
5 9 527.83 293.49 234.34 87812.8
5 10 527.83 292.71 235.12 87577.68
5 11 527.83 291.93 235.9 87341.78
5 12 527.83 291.14 236.69 87105.09
6 1 527.83 290.35 237.48 86867.61
6 2 527.83 289.56 238.27 86629.34
6 3 527.83 288.76 239.07 86390.27
6 4 527.83 287.97 239.86 86150.41
6 5 527.83 287.17 240.66 85909.75
6 6 527.83 286.37 241.46 85668.29
6 7 527.83 285.56 242.27 85426.02
6 8 527.83 284.75 243.08 85182.94
6 9 527.83 283.94 243.89 84939.05
6 10 527.83 283.13 244.7 84694.35
6 11 527.83 282.31 245.52 84448.83
6 12 527.83 281.5 246.33 84202.5
7 1 527.83 280.68 247.15 83955.35
7 2 527.83 279.85 247.98 83707.37
7 3 527.83 279.02 248.81 83458.56
7 4 527.83 278.2 249.63 83208.93
7 5 527.83 277.36 250.47 82958.46
7 6 527.83 276.53 251.3 82707.16
7 7 527.83 275.69 252.14 82455.02
7 8 527.83 274.85 252.98 82202.04
7 9 527.83 274.01 253.82 81948.22
7 10 527.83 273.16 254.67 81693.55
7 11 527.83 272.31 255.52 81438.03
7 12 527.83 271.46 256.37 81181.66
8 1 527.83 270.61 257.22 80924.44
8 2 527.83 269.75 258.08 80666.36
8 3 527.83 268.89 258.94 80407.42
8 4 527.83 268.02 259.81 80147.61
8 5 527.83 267.16 260.67 79886.94
8 6 527.83 266.29 261.54 79625.4
8 7 527.83 265.42 262.41 79362.99
8 8 527.83 264.54 263.29 79099.7
8 9 527.83 263.67 264.16 78835.54
8 10 527.83 262.79 265.04 78570.5
8 11 527.83 261.9 265.93 78304.57
8 12 527.83 261.02 266.81 78037.76
9 1 527.83 260.13 267.7 77770.06
9 2 527.83 259.23 268.6 77501.46
9 3 527.83 258.34 269.49 77231.97
9 4 527.83 257.44 270.39 76961.58
9 5 527.83 256.54 271.29 76690.29
9 6 527.83 255.63 272.2 76418.09
9 7 527.83 254.73 273.1 76144.99
9 8 527.83 253.82 274.01 75870.98
9 9 527.83 252.9 274.93 75596.05
9 10 527.83 251.99 275.84 75320.21
9 11 527.83 251.07 276.76 75043.45
9 12 527.83 250.14 277.69 74765.76
10 1 527.83 249.22 278.61 74487.15
10 2 527.83 248.29 279.54 74207.61
10 3 527.83 247.36 280.47 73927.14
10 4 527.83 246.42 281.41 73645.73
10 5 527.83 245.49 282.34 73363.39
10 6 527.83 244.54 283.29 73080.1
10 7 527.83 243.6 284.23 72795.87
10 8 527.83 242.65 285.18 72510.69
10 9 527.83 241.7 286.13 72224.56
10 10 527.83 240.75 287.08 71937.48
10 11 527.83 239.79 288.04 71649.44
10 12 527.83 238.83 289 71360.44
11 1 527.83 237.87 289.96 71070.48
11 2 527.83 236.9 290.93 70779.55
11 3 527.83 235.93 291.9 70487.65
11 4 527.83 234.96 292.87 70194.78
11 5 527.83 233.98 293.85 69900.93
11 6 527.83 233 294.83 69606.1
11 7 527.83 232.02 295.81 69310.29
11 8 527.83 231.03 296.8 69013.49
11 9 527.83 230.04 297.79 68715.7
11 10 527.83 229.05 298.78 68416.92
11 11 527.83 228.06 299.77 68117.15
11 12 527.83 227.06 300.77 67816.38
12 1 527.83 226.05 301.78 67514.6
12 2 527.83 225.05 302.78 67211.82
12 3 527.83 224.04 303.79 66908.03
12 4 527.83 223.03 304.8 66603.23
12 5 527.83 222.01 305.82 66297.41
12 6 527.83 220.99 306.84 65990.57
12 7 527.83 219.97 307.86 65682.71
12 8 527.83 218.94 308.89 65373.82
12 9 527.83 217.91 309.92 65063.9
12 10 527.83 216.88 310.95 64752.95
12 11 527.83 215.84 311.99 64440.96
12 12 527.83 214.8 313.03 64127.93
13 1 527.83 213.76 314.07 63813.86
13 2 527.83 212.71 315.12 63498.74
13 3 527.83 211.66 316.17 63182.57
13 4 527.83 210.61 317.22 62865.35
13 5 527.83 209.55 318.28 62547.07
13 6 527.83 208.49 319.34 62227.73
13 7 527.83 207.43 320.4 61907.33
13 8 527.83 206.36 321.47 61585.86
13 9 527.83 205.29 322.54 61263.32
13 10 527.83 204.21 323.62 60939.7
13 11 527.83 203.13 324.7 60615
13 12 527.83 202.05 325.78 60289.22
14 1 527.83 200.96 326.87 59962.35
14 2 527.83 199.87 327.96 59634.39
14 3 527.83 198.78 329.05 59305.34
14 4 527.83 197.68 330.15 58975.19
14 5 527.83 196.58 331.25 58643.94
14 6 527.83 195.48 332.35 58311.59
14 7 527.83 194.37 333.46 57978.13
14 8 527.83 193.26 334.57 57643.56
14 9 527.83 192.15 335.68 57307.88
14 10 527.83 191.03 336.8 56971.08
14 11 527.83 189.9 337.93 56633.15
14 12 527.83 188.78 339.05 56294.1
15 1 527.83 187.65 340.18 55953.92
15 2 527.83 186.51 341.32 55612.6
15 3 527.83 185.38 342.45 55270.15
15 4 527.83 184.23 343.6 54926.55
15 5 527.83 183.09 344.74 54581.81
15 6 527.83 181.94 345.89 54235.92
15 7 527.83 180.79 347.04 53888.88
15 8 527.83 179.63 348.2 53540.68
15 9 527.83 178.47 349.36 53191.32
15 10 527.83 177.3 350.53 52840.79
15 11 527.83 176.14 351.69 52489.1
15 12 527.83 174.96 352.87 52136.23
16 1 527.83 173.79 354.04 51782.19
16 2 527.83 172.61 355.22 51426.97
16 3 527.83 171.42 356.41 51070.56
16 4 527.83 170.24 357.59 50712.97
16 5 527.83 169.04 358.79 50354.18
16 6 527.83 167.85 359.98 49994.2
16 7 527.83 166.65 361.18 49633.02
16 8 527.83 165.44 362.39 49270.63
16 9 527.83 164.24 363.59 48907.04
16 10 527.83 163.02 364.81 48542.23
16 11 527.83 161.81 366.02 48176.21
16 12 527.83 160.59 367.24 47808.97
17 1 527.83 159.36 368.47 47440.5
17 2 527.83 158.14 369.69 47070.81
17 3 527.83 156.9 370.93 46699.88
17 4 527.83 155.67 372.16 46327.72
17 5 527.83 154.43 373.4 45954.32
17 6 527.83 153.18 374.65 45579.67
17 7 527.83 151.93 375.9 45203.77
17 8 527.83 150.68 377.15 44826.62
17 9 527.83 149.42 378.41 44448.21
17 10 527.83 148.16 379.67 44068.54
17 11 527.83 146.9 380.93 43687.61
17 12 527.83 145.63 382.2 43305.41
18 1 527.83 144.35 383.48 42921.93
18 2 527.83 143.07 384.76 42537.17
18 3 527.83 141.79 386.04 42151.13
18 4 527.83 140.5 387.33 41763.8
18 5 527.83 139.21 388.62 41375.18
18 6 527.83 137.92 389.91 40985.27
18 7 527.83 136.62 391.21 40594.06
18 8 527.83 135.31 392.52 40201.54
18 9 527.83 134.01 393.82 39807.72
18 10 527.83 132.69 395.14 39412.58
18 11 527.83 131.38 396.45 39016.13
18 12 527.83 130.05 397.78 38618.35
19 1 527.83 128.73 399.1 38219.25
19 2 527.83 127.4 400.43 37818.82
19 3 527.83 126.06 401.77 37417.05
19 4 527.83 124.72 403.11 37013.94
19 5 527.83 123.38 404.45 36609.49
19 6 527.83 122.03 405.8 36203.69
19 7 527.83 120.68 407.15 35796.54
19 8 527.83 119.32 408.51 35388.03
19 9 527.83 117.96 409.87 34978.16
19 10 527.83 116.59 411.24 34566.92
19 11 527.83 115.22 412.61 34154.31
19 12 527.83 113.85 413.98 33740.33
20 1 527.83 112.47 415.36 33324.97
20 2 527.83 111.08 416.75 32908.22
20 3 527.83 109.69 418.14 32490.08
20 4 527.83 108.3 419.53 32070.55
20 5 527.83 106.9 420.93 31649.62
20 6 527.83 105.5 422.33 31227.29
20 7 527.83 104.09 423.74 30803.55
20 8 527.83 102.68 425.15 30378.4
20 9 527.83 101.26 426.57 29951.83
20 10 527.83 99.84 427.99 29523.84
20 11 527.83 98.41 429.42 29094.42
20 12 527.83 96.98 430.85 28663.57
21 1 527.83 95.55 432.28 28231.29
21 2 527.83 94.1 433.73 27797.56
21 3 527.83 92.66 435.17 27362.39
21 4 527.83 91.21 436.62 26925.77
21 5 527.83 89.75 438.08 26487.69
21 6 527.83 88.29 439.54 26048.15
21 7 527.83 86.83 441 25607.15
21 8 527.83 85.36 442.47 25164.68
21 9 527.83 83.88 443.95 24720.73
21 10 527.83 82.4 445.43 24275.3
21 11 527.83 80.92 446.91 23828.39
21 12 527.83 79.43 448.4 23379.99
22 1 527.83 77.93 449.9 22930.09
22 2 527.83 76.43 451.4 22478.69
22 3 527.83 74.93 452.9 22025.79
22 4 527.83 73.42 454.41 21571.38
22 5 527.83 71.9 455.93 21115.45
22 6 527.83 70.38 457.45 20658
22 7 527.83 68.86 458.97 20199.03
22 8 527.83 67.33 460.5 19738.53
22 9 527.83 65.8 462.03 19276.5
22 10 527.83 64.26 463.57 18812.93
22 11 527.83 62.71 465.12 18347.81
22 12 527.83 61.16 466.67 17881.14
23 1 527.83 59.6 468.23 17412.91
23 2 527.83 58.04 469.79 16943.12
23 3 527.83 56.48 471.35 16471.77
23 4 527.83 54.91 472.92 15998.85
23 5 527.83 53.33 474.5 15524.35
23 6 527.83 51.75 476.08 15048.27
23 7 527.83 50.16 477.67 14570.6
23 8 527.83 48.57 479.26 14091.34
23 9 527.83 46.97 480.86 13610.48
23 10 527.83 45.37 482.46 13128.02
23 11 527.83 43.76 484.07 12643.95
23 12 527.83 42.15 485.68 12158.27
24 1 527.83 40.53 487.3 11670.97
24 2 527.83 38.9 488.93 11182.04
24 3 527.83 37.27 490.56 10691.48
24 4 527.83 35.64 492.19 10199.29
24 5 527.83 34 493.83 9705.46
24 6 527.83 32.35 495.48 9209.98
24 7 527.83 30.7 497.13 8712.85
24 8 527.83 29.04 498.79 8214.06
24 9 527.83 27.38 500.45 7713.61
24 10 527.83 25.71 502.12 7211.49
24 11 527.83 24.04 503.79 6707.7
24 12 527.83 22.36 505.47 6202.23
25 1 527.83 20.67 507.16 5695.07
25 2 527.83 18.98 508.85 5186.22
25 3 527.83 17.29 510.54 4675.68
25 4 527.83 15.59 512.24 4163.44
25 5 527.83 13.88 513.95 3649.49
25 6 527.83 12.16 515.67 3133.82
25 7 527.83 10.45 517.38 2616.44
25 8 527.83 8.72 519.11 2097.33
25 9 527.83 6.99 520.84 1576.49
25 10 527.83 5.25 522.58 1053.91
25 11 527.83 3.51 524.32 529.59
25 12 531.36 1.77 531.36 0
