BBVA CONTINENTAL

FLUJO DE CAJA PROYECTADO A 12 MESES

Saldo Inicial:
INGRESOS
ACTIVIDADES DE OPERACIN:
Ingresos por Ventas
Cobro de Ventas a Crdito
Total Ingresos Operativos
ACTIVIDADES DE FINANCIAMIENTO
Prstamo Bancario

45,246.84

13,057,200.00
0.00
13,057,200.00
500,000.00

Total Ingresos

13,557,200.00

DISPONIBILIDAD

13,602,446.84

100.00%

10,445,760.00
652,860.00
130,572.00
652,860.00
235,029.60
500,000.00
39,171.60

77.31%
4.83%
0.97%
4.83%
1.74%
3.70%
0.29%

Abono a Capital
Intereses Bancarios

500,000.00
67,357.58

3.70%
0.50%

Total Desembolsos

13,223,610.78

97.20%

378,836.06

2.80%

DESEMBOLSOS
ACTIVIDADES DE OPERACIN:
Manutencin
Alquiler del Hogar
Alimentacin
Gastos Administrativos
Tributos y Contribuciones
Gastos medicos
Educacin

ACTIVIDADES DE FINANCIAMIENTO:

TOTAL SALDOS AL FINAL

Pgina 1

BBVA
CONTINENTAL

FLUJO DE CAJA PROYECTADO A 12 MESES

Feb-11

Mar-11

Apr-11

May-11

Jun-11

Jul-11

Aug-11

Sep-11

Oct-11

Nov-11

Dec-11

Jan-12

10

11

12

Totales

45,246.84

53,857.04

73,645.24

93,433.45

113,221.65

146,423.45

179,625.25

212,827.05

246,028.85

279,230.66

312,432.46

345,634.26

45,246.84

810,000.00

972,000.00

972,000.00

972,000.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

13,057,200

500,000.00

500,000

1,310,000.00

972,000.00

972,000.00

972,000.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

1,166,400.00

13,511,953

Manutencin

648,000.00

777,600.00

777,600.00

777,600.00

933,120.00

933,120.00

933,120.00

933,120.00

933,120.00

933,120.00

933,120.00

933,120.00

10,445,760

Alquiler del Hogar

40,500.00

48,600.00

48,600.00

48,600.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

652,860

Alimentacin

8,100.00

9,720.00

9,720.00

9,720.00

11,664.00

11,664.00

11,664.00

11,664.00

11,664.00

11,664.00

11,664.00

11,664.00

130,572

Gastos Administrativos

40,500.00

48,600.00

48,600.00

48,600.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

58,320.00

652,860

Tributos y Contribuciones

14,580.00

17,496.00

17,496.00

17,496.00

20,995.20

20,995.20

20,995.20

20,995.20

20,995.20

20,995.20

20,995.20

20,995.20

235,030

Gastos medicos

500,000.00
2,430.00

2,916.00

2,916.00

2,916.00

3,499.20

3,499.20

3,499.20

3,499.20

3,499.20

3,499.20

3,499.20

3,499.20

39,172

1,254,110.00

904,932.00

904,932.00

904,932.00

1,085,918.40

1,085,918.40

1,085,918.40

1,085,918.40

1,085,918.40

1,085,918.40

1,085,918.40

1,085,918.40

12,656,253

55,890.00

67,068.00

67,068.00

67,068.00

80,481.60

80,481.60

80,481.60

80,481.60

80,481.60

80,481.60

80,481.60

80,481.60

855,700

Abono a Capital

37,279.80

38,025.39

38,785.90

39,561.62

40,352.85

41,159.91

41,983.11

42,822.77

43,679.23

44,552.81

45,443.87

46,352.74

500,000

Intereses Bancarios

10,000.00

9,254.40

8,493.90

7,718.18

6,926.95

6,119.89

5,296.69

4,457.03

3,600.57

2,726.99

1,835.93

927.05

67,358

TOTAL DEUDA

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

47,279.80

567,358

Saldo Neto Mensual

8,610.20

19,788.20

19,788.20

19,788.20

33,201.80

33,201.80

33,201.80

33,201.80

33,201.80

33,201.80

33,201.80

33,201.80

378,836

Saldo Final Acumulado

53,857.04

73,645.24

93,433.45

113,221.65

146,423.45

179,625.25

212,827.05

246,028.85

279,230.66

312,432.46

345,634.26

378,836.06

Flujo de Efectivo Mes

SALDO INICIAL

Ingresos de Efectivo
Ingresos por Ventas
Cobro de Ventas a Crdito
Prstamo Bancario
Total Ingresos

Pagos

Educacin
Total Pagos
Disponible Antes de Amortizacion
de la deuda

500,000

PASIVO BANCARIO

96.63%
0.00%
3.70%
100.00%

77.31%
4.83%
0.97%
4.83%
1.74%
3.70%
0.29%

94%

3.70%
0.50%
4.20%

2.80%

TABLA DE AMORTIZACION PARA EL CALCULO DE CUO

2 MES
11 AO

FECHA

PRESTAMO
0.00% INICIAL
SALDO
PLAZO

CUOTA
REGULAR

CUOTA
ESPECIAL

500,000.00
500,000.00
12

MONTO CUOTA

0
1
2

Mar-11
Apr-11

47,279.80
47,279.80

0.00%
47,279.80
47,279.80

3
4
5
6
7
8
9
10
11
12

May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12

47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80

47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80
47,279.80

Nota:Tabla sujeta a modificacion por variacin de la tasa.

PARA EL CALCULO DE CUOTAS

24.00% TASA
24 MESES
28.00% TASA 2

INTERES

CAPITAL

SALDO

10,000.00
9,254.40

37,279.80
38,025.39

500,000.00
462,720.20
424,694.81

8,493.90
7,718.18
6,926.95
6,119.89
5,296.69
4,457.03
3,600.57
2,726.99
1,835.93
927.05

38,785.90
39,561.62
40,352.85
41,159.91
41,983.11
42,822.77
43,679.23
44,552.81
45,443.87
46,352.74

385,908.91
346,347.29
305,994.43
264,834.52
222,851.41
180,028.64
136,349.42
91,796.61
46,352.74
-

67,357.58