{"id":28714,"date":"2026-07-24T13:30:00","date_gmt":"2026-07-24T18:30:00","guid":{"rendered":"https:\/\/dostinhurtado.com\/site\/?p=28714"},"modified":"2026-07-24T13:16:17","modified_gmt":"2026-07-24T18:16:17","slug":"simulador-de-prestamos-en-excel","status":"publish","type":"post","link":"https:\/\/dostinhurtado.com\/site\/tutoriales-gratis-online\/tutoriales-excel\/simulador-de-prestamos-en-excel\/","title":{"rendered":"Simulador de pr\u00e9stamos en Excel"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Simulador de pr\u00e9stamos en Excel<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Comprender c\u00f3mo funcionan los cr\u00e9ditos financieros puede parecer un dolor de cabeza, pero construir tu propio <strong>simulador de pr\u00e9stamos en Excel<\/strong> te dar\u00e1 el control absoluto sobre tus finanzas. En este art\u00edculo, vamos a desglosar paso a paso c\u00f3mo crear una herramienta autom\u00e1tica que te permitir\u00e1 conocer exactamente cu\u00e1nto pagar\u00e1s de cuota mensual, qu\u00e9 porcentaje se lleva el banco como ganancia y c\u00f3mo estructurar la deuda desde el d\u00eda uno hasta quedar en cero.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Tabla de Amortizaci\u00f3n en Excel + Funci\u00f3n PAGO (Plantilla 2026)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/iZ-nmn31gDU?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--50)\">Por lo tanto, si alguna vez te has preguntado c\u00f3mo funciona realmente el inter\u00e9s en tus tarjetas o cr\u00e9ditos hipotecarios, dominar estas <a href=\"https:\/\/dostinhurtado.com\/site\/cursos-gratis\/excel-curso-basico-intermedio\/funciones-basicas\/\" target=\"_blank\" rel=\"noreferrer noopener\">funciones b\u00e1sicas<\/a> transformar\u00e1 tu perspectiva financiera por completo. Si a\u00fan no cuentas con un&nbsp;<a href=\"https:\/\/dostin.pro\/promocionesk\" target=\"_blank\" rel=\"noreferrer noopener\">Office<\/a>&nbsp;100% legal, te recomiendo darle&nbsp;<a href=\"https:\/\/dostin.pro\/promocionesk\" target=\"_blank\" rel=\"noreferrer noopener\">Clic aqu\u00ed.<\/a><\/p>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-629087f1\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-descargar-material-de-apoyo\">Descargar Material de Apoyo<\/h2>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">\u00bfListo para poner en pr\u00e1ctica el tutorial? Descarga el \u00abmaterial de apoyo\u00bb y trabaja con el mismo archivo que usamos en el video.<\/p>\n\n\n\n<div class=\"wp-block-ultimate-post-button-group ultp-block-973704\"><div class=\"ultp-button-wrapper ultp-button-frontend ultp-anim-none\">\n<a class=\"wp-block-ultimate-post-button ultp-block-961ddf ultp-button-layout1\" href=\"https:\/\/dostinhurtado.com\/site\/wp-content\/uploads\/2026\/07\/Simulador.xlsx\" target=\"_self\" rel=\"noopener\" download><div class=\"ultp-btnIcon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" viewBox=\"0 0 24 24\">\n  <path d=\"M2 19v-4a1 1 0 1 1 2 0v4c0 .548.452 1 1 1h14a1 1 0 0 0 1-1v-4a1 1 0 1 1 2 0v4a3 3 0 0 1-3 3H5c-1.652 0-3-1.348-3-3Z\"\/>\n  <path d=\"M12 1.5a1 1 0 0 0-1 1V8H7a1 1 0 0 0-.707 1.707l5 5a1 1 0 0 0 1.414 0l5-5A1 1 0 0 0 17 8h-4V2.5a1 1 0 0 0-1-1Z\"\/>\n<\/svg>\n<\/div><div class=\"ultp-button-text\">DESCARGAR<\/div><\/a>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-179fe7e7\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">El coraz\u00f3n de la calculadora: La funci\u00f3n PAGO<\/h2>\n\n\n\n<div class=\"wp-block-uagb-image uagb-block-40803bef wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><a class=\"\" href=\"https:\/\/dostinhurtado.com\/site\/Categoria\/cursos-gratis\/excel-curso-basico-intermedio\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dostinhurtado.com\/site\/wp-content\/uploads\/2026\/07\/vlcsnap-2026-07-24-11h35m39s147-1024x118.avif\" alt=\"Uso de la funci\u00f3n PAGO en Excel para calcular la cuota de un cr\u00e9dito.\" class=\"uag-image-28722\" width=\"1024\" height=\"118\" title=\"Funci\u00f3n PAGO en Excel\" loading=\"lazy\" role=\"img\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--50)\">Para dar vida a nuestro simulador de pr\u00e9stamos en Excel, necesitamos un motor principal. Ese motor es la poderosa funci\u00f3n PAGO. Esencialmente, esta f\u00f3rmula hace todo el trabajo pesado al pedirnos tres datos clave: la tasa de inter\u00e9s, el n\u00famero de cuotas (el plazo) y el valor total prestado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al ingresar estos valores, Excel arrojar\u00e1 un resultado contable que, por defecto, se muestra en negativo. Esto ocurre porque representa un dinero que saldr\u00e1 de tu bolsillo (un egreso). Para que la lectura sea mucho m\u00e1s amigable en nuestra calculadora de pr\u00e9stamos, el truco consiste en colocar el valor prestado inicial con un signo negativo dentro de la f\u00f3rmula; de este modo, obtendremos una cuota positiva f\u00e1cil de interpretar. Adem\u00e1s, este c\u00e1lculo es la base perfecta si tambi\u00e9n te interesa aprender a <a href=\"https:\/\/dostinhurtado.com\/site\/tutoriales-gratis-online\/tutoriales-excel\/grafico-combinado-en-excel\/\" target=\"_blank\" rel=\"noreferrer noopener\">calcular porcentajes en Excel<\/a> para proyectar el costo total de tus deudas a largo plazo.<\/p>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-d3ddf54a\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Entendiendo la tasa de inter\u00e9s: De efectivo anual a mensual<\/h2>\n\n\n\n<div class=\"wp-block-uagb-image uagb-block-48b67e02 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><a class=\"\" href=\"https:\/\/dostinhurtado.com\/site\/Categoria\/cursos-gratis\/excel-curso-basico-intermedio\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dostinhurtado.com\/site\/wp-content\/uploads\/2026\/07\/tabla-01-1024x926.avif\" alt=\"F\u00f3rmula de Excel para convertir la tasa de inter\u00e9s efectivo anual a mensual.\" class=\"uag-image-28725\" width=\"1024\" height=\"926\" title=\"Conversi\u00f3n de tasa efectiva anual en Excel\" loading=\"lazy\" role=\"img\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--50)\">A menudo, las entidades bancarias complican la informaci\u00f3n ofreciendo tasas \u00abefectivas anuales\u00bb o \u00abnominales\u00bb. En nuestro simulador, necesitamos trabajar con tasas mensuales para que el c\u00e1lculo de la cuota sea exacto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si te dan una tasa nominal anual, la soluci\u00f3n es bastante sencilla: simplemente divides el porcentaje entre 12. Sin embargo, cuando nos enfrentamos a la famosa \u00abtasa efectiva anual\u00bb (muy com\u00fan en cr\u00e9ditos hipotecarios), se requiere una conversi\u00f3n matem\u00e1tica un poco m\u00e1s estructurada. Afortunadamente, nuestra plantilla automatiza este paso por ti, garantizando que el inter\u00e9s mensual aplicado al saldo pendiente sea matem\u00e1ticamente impecable. Si deseas profundizar en c\u00f3mo las f\u00f3rmulas operan internamente, la <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/support.microsoft.com\/es-es\/office\/funci%C3%B3n-pago-0214da64-9a63-4996-bc20-214433fa6441\">documentaci\u00f3n oficial de Microsoft<\/a> sobre funciones financieras es un recurso externo excelente para consultar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Creando la tabla de amortizaci\u00f3n en Excel<\/h3>\n\n\n\n<div class=\"wp-block-uagb-image uagb-block-c5e6bbca wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><a class=\"\" href=\"https:\/\/dostinhurtado.com\/site\/Categoria\/cursos-gratis\/excel-curso-basico-intermedio\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dostinhurtado.com\/site\/wp-content\/uploads\/2026\/07\/vlcsnap-2026-07-24-11h43m51s511-1024x927.avif\" alt=\"Estructura de una tabla de amortizaci\u00f3n en Excel detallando saldo, inter\u00e9s y abono a capital.\" class=\"uag-image-28727\" width=\"1024\" height=\"927\" title=\"Tabla de amortizaci\u00f3n de pr\u00e9stamos\" loading=\"lazy\" role=\"img\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--50)\">Una vez que tenemos la cuota clara, el siguiente nivel es estructurar una tabla de amortizaci\u00f3n en Excel. Este cuadro es un mapa detallado que te mostrar\u00e1 mes a mes el comportamiento de tu deuda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La estructura de esta tabla consta de cuatro columnas principales:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Saldo Inicial:<\/strong> Es el dinero que le debes al banco al inicio de ese mes.<\/li>\n\n\n\n<li><strong>Inter\u00e9s:<\/strong> Se calcula multiplicando el saldo inicial por la tasa mensual. Ojo aqu\u00ed, el inter\u00e9s se cobra sobre lo que debes, no sobre el valor de la cuota.<\/li>\n\n\n\n<li><strong>Abono a Capital:<\/strong> Es la parte de tu cuota mensual que realmente disminuye tu deuda. Se obtiene restando el inter\u00e9s al valor total de la cuota.<\/li>\n\n\n\n<li><strong>Saldo Final:<\/strong> El resultado de restar el abono a capital del saldo inicial.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Mantener este registro organizado es sumamente \u00fatil, especialmente si est\u00e1s utilizando Excel para gestionar las finanzas de tu hogar o emprendimiento, de forma similar a como lo har\u00edas en un formato de <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/dostinhurtado.com\/site\/tutoriales-gratis-online\/tutoriales-excel\/control-de-ingresos-y-gastos-en-excel\/\">control de ingresos y gastos en Excel<\/a><sup><\/sup>.<\/p>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-fafd2e58\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">El impacto del tiempo en los cr\u00e9ditos hipotecarios<\/h2>\n\n\n\n<div class=\"wp-block-uagb-image uagb-block-a52550bd wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><a class=\"\" href=\"https:\/\/dostinhurtado.com\/site\/Categoria\/cursos-gratis\/excel-curso-basico-intermedio\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/dostinhurtado.com\/site\/wp-content\/uploads\/2026\/07\/vlcsnap-2026-07-24-11h45m39s650-1024x581.avif\" alt=\"Gr\u00e1ficos de Excel mostrando la alta proporci\u00f3n de intereses en un cr\u00e9dito a largo plazo.\" class=\"uag-image-28729\" width=\"1024\" height=\"581\" title=\"Impacto de los intereses a largo plazo\" loading=\"lazy\" role=\"img\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--50)\">El tiempo es dinero, y en el mundo de los cr\u00e9ditos, esto es literalmente cierto. Un error muy com\u00fan al calcular cuota de pr\u00e9stamo en Excel es pensar que, al diferir el cr\u00e9dito a m\u00e1s meses, el alivio en la cuota compensa el costo del cr\u00e9dito.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De hecho, al graficar un pr\u00e9stamo a corto plazo (por ejemplo, 12 meses), notamos que la proporci\u00f3n de intereses frente al total pagado es bastante peque\u00f1a. Por otro lado, si llevamos ese mismo cr\u00e9dito a un escenario hipotecario de 360 meses (30 a\u00f1os), la gr\u00e1fica nos revelar\u00e1 una realidad impactante: durante los primeros a\u00f1os, estar\u00e1s pagando casi exclusivamente el \u00absueldo del banco\u00bb (intereses), mientras que el abono a capital ser\u00e1 min\u00fasculo. Aprender a leer estos datos es fundamental, y si quieres dominar por completo las herramientas visuales del programa, te recomiendo explorar nuestro <a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/dostinhurtado.com\/site\/cursos-gratis\/excel-basico-intermedio\/curso-completo-de-excel-basico-e-intermedio\/\">curso de Excel b\u00e1sico e intermedio<\/a><sup><\/sup>.<\/p>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-d1f2bcf6\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-descargar-material-de-apoyo\">Descargar Material de Apoyo<\/h2>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">\u00bfListo para poner en pr\u00e1ctica el tutorial? Descarga el \u00abmaterial de apoyo\u00bb y trabaja con el mismo archivo que usamos en el video.<\/p>\n\n\n\n<div class=\"wp-block-ultimate-post-button-group ultp-block-b9694f\"><div class=\"ultp-button-wrapper ultp-button-frontend ultp-anim-none\">\n<a class=\"wp-block-ultimate-post-button ultp-block-cd2af4 ultp-button-layout1\" href=\"https:\/\/dostinhurtado.com\/site\/wp-content\/uploads\/2026\/07\/Simulador.xlsx\" target=\"_self\" rel=\"noopener\" download><div class=\"ultp-btnIcon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" viewBox=\"0 0 24 24\">\n  <path d=\"M2 19v-4a1 1 0 1 1 2 0v4c0 .548.452 1 1 1h14a1 1 0 0 0 1-1v-4a1 1 0 1 1 2 0v4a3 3 0 0 1-3 3H5c-1.652 0-3-1.348-3-3Z\"\/>\n  <path d=\"M12 1.5a1 1 0 0 0-1 1V8H7a1 1 0 0 0-.707 1.707l5 5a1 1 0 0 0 1.414 0l5-5A1 1 0 0 0 17 8h-4V2.5a1 1 0 0 0-1-1Z\"\/>\n<\/svg>\n<\/div><div class=\"ultp-button-text\">DESCARGAR<\/div><\/a>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-9f53793a\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusi\u00f3n sobre tu calculadora financiera<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Crear un simulador de pr\u00e9stamos en Excel no solo te ahorra tiempo de c\u00e1lculo, sino que te brinda educaci\u00f3n financiera pura. Al entender c\u00f3mo interact\u00faan la funci\u00f3n PAGO, las tasas mensuales y el plazo de la deuda, tomas decisiones mucho m\u00e1s inteligentes y blindas tu econom\u00eda. No olvides que puedes <a href=\"https:\/\/dostinhurtado.com\/site\/tutoriales-gratis-online\/tutoriales-excel\/descargar-plantillas-gratis-de-excel\/\" target=\"_blank\" rel=\"noreferrer noopener\">descargar plantillas gratis de Excel<\/a>, incluyendo el archivo base de esta lecci\u00f3n, directamente desde la descripci\u00f3n. \u00a1Sigue explorando nuestra secci\u00f3n de <a href=\"https:\/\/dostinhurtado.com\/site\/Categoria\/tutoriales-gratis-online\/tutoriales-excel\/\" target=\"_blank\" rel=\"noreferrer noopener\">tutoriales de Excel<\/a> para continuar optimizando tus habilidades y convertirte en un experto ofim\u00e1tico!<\/p>\n\n\n\n<div class=\"wp-block-uagb-separator uagb-block-e06a3233\"><div class=\"uagb-separator-spacing-wrapper\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntas Frecuentes<\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-700947a6 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a13b5887 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfQu\u00e9 funci\u00f3n utilizo para hacer un simulador de pr\u00e9stamos en Excel?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>La f\u00f3rmula principal es la funci\u00f3n =PAGO(). Esta funci\u00f3n te pide la tasa de inter\u00e9s, el n\u00famero de per\u00edodos y el valor actual del pr\u00e9stamo para devolverte el monto exacto de la cuota.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-4602b06c \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfPor qu\u00e9 el resultado de la funci\u00f3n PAGO sale en negativo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Excel arroja el resultado en negativo porque contablemente representa una salida de dinero (un egreso). Para solucionarlo, puedes poner un signo menos (-) antes del valor del pr\u00e9stamo dentro de la f\u00f3rmula.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-720ba037 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfCu\u00e1l es la diferencia entre inter\u00e9s y abono a capital en la tabla de amortizaci\u00f3n en Excel?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>El inter\u00e9s es el costo que te cobra el banco por prestarte el dinero, mientras que el abono a capital es la porci\u00f3n de tu cuota que realmente disminuye la deuda original que adquiriste.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-fad381da \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfQu\u00e9 pasa con el total de intereses si aumento el n\u00famero de meses de mi pr\u00e9stamo?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Aunque tu cuota mensual ser\u00e1 m\u00e1s baja y c\u00f3moda de pagar, el costo total de la deuda crecer\u00e1 dr\u00e1sticamente, lo que significa que le pagar\u00e1s much\u00edsimo m\u00e1s dinero en intereses al banco al final del per\u00edodo.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-6f63070c \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>\u00bfC\u00f3mo puedo convertir una tasa nominal anual a mensual en mi calculadora de pr\u00e9stamos?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Si te otorgan una tasa nominal anual, solo debes dividir ese porcentaje entre 12 dentro de tu hoja de c\u00e1lculo para obtener el inter\u00e9s mensual que usar\u00e1s en tus f\u00f3rmulas.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Simulador de pr\u00e9stamos en Excel Comprender c\u00f3mo funcionan los cr\u00e9ditos financieros puede parecer un dolor de cabeza, pero construir tu [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":28713,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[52],"tags":[562,225,232,277,539,570,486],"class_list":["post-28714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutoriales-excel","tag-curso","tag-excel","tag-facil","tag-gratis","tag-gratuito","tag-recomendado","tag-tutorial"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Simulador de pr\u00e9stamos en Excel - Dostin Hurtado<\/title>\n<meta name=\"description\" content=\"c\u00f3mo crear un simulador de pr\u00e9stamos en Excel usando la funci\u00f3n PAGO. 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