Saldo al final

Mes / Ao Periodo del Periodo

Intereses
Amortizacin
Pago Crdito Seguros
Dec-14
1 1,396,126.85
9,905.00
3,873.15
13,778.15
675.2
Jan-15
2 1,392,226.30
9,877.60
3,900.55
13,778.15
675.2
Feb-15
3 1,388,298.15
9,850.00
3,928.15
13,778.15
675.2
Mar-15
4 1,384,342.21
9,822.21
3,955.94
13,778.15
675.2
Apr-15
5 1,380,358.29
9,794.22
3,983.93
13,778.15
675.2
May-15
6 1,376,346.17
9,766.03
4,012.11
13,778.15
675.2
Jun-15
7 1,372,305.67
9,737.65
4,040.50
13,778.15
675.2
Jul-15
8 1,368,236.59
9,709.06
4,069.09
13,778.15
675.2
Aug-15
9 1,364,138.71
9,680.27
4,097.87
13,778.15
675.2
Sep-15
10 1,360,011.84
9,651.28
4,126.87
13,778.15
675.2
Oct-15
11 1,355,855.78
9,622.08
4,156.06
13,778.15
675.2
Nov-15
11 1,351,670.31
9,592.68
4,185.47
13,778.15
675.2
Dec-15
11 1,347,455.23
9,563.07
4,215.08
13,778.15
675.2
Jan-16
11 1,343,210.33
9,533.25
4,244.90
13,778.15
675.2
Feb-16
11 1,338,935.39
9,503.21
4,274.94
13,778.15
675.2
Mar-16
11 1,334,630.21
9,472.97
4,305.18
13,778.15
675.2
Apr-16
11 1,330,294.57
9,442.51
4,335.64
13,778.15
675.2
May-16
11 1,325,928.26
9,411.83
4,366.31
13,778.15
675.2
Jun-16
11 1,321,531.05
9,380.94
4,397.21
13,778.15
675.2
Jul-16
11 1,317,102.73
9,349.83
4,428.32
13,778.15
675.2
Aug-16
11 1,312,643.09
9,318.50
4,459.65
13,778.15
675.2
Sep-16
11 1,308,151.89
9,286.95
4,491.20
13,778.15
675.2
Oct-16
11 1,303,628.91
9,255.17
4,522.97
13,778.15
675.2
Nov-16
11 1,299,073.94
9,223.17
4,554.97
13,778.15
675.2
Dec-16
11 1,294,486.74
9,190.95
4,587.20
13,778.15
675.2
Jan-17
11 1,289,867.08
9,158.49
4,619.65
13,778.15
675.2
Feb-17
11 1,285,214.75
9,125.81
4,652.34
13,778.15
675.2
Mar-17
11 1,280,529.49
9,092.89
4,685.25
13,778.15
675.2
Apr-17
11 1,275,811.09
9,059.75
4,718.40
13,778.15
675.2
May-17
11 1,271,059.30
9,026.36
4,751.79
13,778.15
675.2
Jun-17
11 1,266,273.90
8,992.74
4,785.40
13,778.15
675.2
Jul-17
11 1,261,454.64
8,958.89
4,819.26
13,778.15
675.2
Aug-17
11 1,256,601.28
8,924.79
4,853.36
13,778.15
675.2
Sep-17
11 1,251,713.59
8,890.45
4,887.69
13,778.15
675.2
Oct-17
11 1,246,791.31
8,855.87
4,922.27
13,778.15
675.2

Nov-17
Dec-17
Jan-18
Feb-18
Mar-18
Apr-18
May-18
Jun-18
Jul-18
Aug-18
Sep-18
Oct-18
Nov-18
Dec-18
Jan-19
Feb-19
Mar-19
Apr-19
May-19
Jun-19
Jul-19
Aug-19
Sep-19
Oct-19
Nov-19
Dec-19
Jan-20
Feb-20
Mar-20
Apr-20
May-20
Jun-20
Jul-20
Aug-20
Sep-20
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21

11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11

1,241,834.21
1,236,842.04
1,231,814.55
1,226,751.49
1,221,652.61
1,216,517.66
1,211,346.37
1,206,138.50
1,200,893.79
1,195,611.96
1,190,292.77
1,184,935.95
1,179,541.22
1,174,108.33
1,168,637.00
1,163,126.96
1,157,577.94
1,151,989.66
1,146,361.84
1,140,694.21
1,134,986.47
1,129,238.36
1,123,449.57
1,117,619.83
1,111,748.85
1,105,836.33
1,099,881.97
1,093,885.50
1,087,846.59
1,081,764.96
1,075,640.30
1,069,472.32
1,063,260.69
1,057,005.11
1,050,705.28
1,044,360.88
1,037,971.59
1,031,537.09
1,025,057.08
1,018,531.21
1,011,959.18
1,005,340.65
998,675.29
991,962.77
985,202.77

8,821.05
8,785.98
8,750.66
8,715.09
8,679.27
8,643.20
8,606.87
8,570.28
8,533.43
8,496.33
8,458.96
8,421.33
8,383.43
8,345.26
8,306.82
8,268.11
8,229.13
8,189.87
8,150.33
8,110.51
8,070.42
8,030.03
7,989.37
7,948.41
7,907.17
7,865.63
7,823.80
7,781.67
7,739.25
7,696.52
7,653.49
7,610.16
7,566.52
7,522.58
7,478.32
7,433.75
7,388.86
7,343.66
7,298.13
7,252.29
7,206.12
7,159.62
7,112.79
7,065.64
7,018.14

4,957.10
4,992.17
5027.4895091
5063.0589031
5098.8799499
5134.9544299
5171.2841361
5207.8708744
5244.7164632
5281.8227338
5319.1915305
5356.8247108
5394.7241452
5432.8917173
5471.3293243
5510.0388767
5549.0222984
5588.2815271
5627.818514
5667.6352245
5707.7336374
5748.1157458
5788.7835569
5829.739092
5870.9843867
5912.5214911
5954.3524698
5996.4794018
6038.9043811
6081.6295163
6124.6569311
6167.988764
6211.6271688
6255.5743145
6299.8323855
6344.4035814
6389.2901178
6434.4942255
6480.0181514
6525.8641583
6572.0345248
6618.5315458
6665.3575324
6712.5148119
6760.0057283

13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15

675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2

Aug-21
Sep-21
Oct-21
Nov-21
Dec-21
Jan-22
Feb-22
Mar-22
Apr-22
May-22
Jun-22
Jul-22
Aug-22
Sep-22
Oct-22
Nov-22
Dec-22
Jan-23
Feb-23
Mar-23
Apr-23
May-23
Jun-23
Jul-23
Aug-23
Sep-23
Oct-23
Nov-23
Dec-23
Jan-24
Feb-24
Mar-24
Apr-24
May-24
Jun-24
Jul-24
Aug-24
Sep-24
Oct-24
Nov-24
Dec-24
Jan-25
Feb-25
Mar-25
Apr-25

11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11

978,394.93
971,538.94
964,634.43
957,681.08
950,678.53
943,626.44
936,524.46
929,372.23
922,169.39
914,915.60
907,610.49
900,253.69
892,844.84
885,383.58
877,869.53
870,302.32
862,681.57
855,006.90
847,277.93
839,494.28
831,655.57
823,761.39
815,811.36
807,805.09
799,742.17
791,622.21
783,444.80
775,209.53
766,916.00
758,563.79
750,152.49
741,681.68
733,150.94
724,559.85
715,907.97
707,194.88
698,420.15
689,583.34
680,684.00
671,721.71
662,696.00
653,606.44
644,452.57
635,233.93
625,950.08

6,970.32
6,922.15
6,873.65
6,824.80
6,775.60
6,726.06
6,676.17
6,625.92
6,575.32
6,524.36
6,473.04
6,421.35
6,369.30
6,316.89
6,264.10
6,210.94
6,157.40
6,103.48
6,049.18
5,994.50
5,939.43
5,883.97
5,828.12
5,771.88
5,715.23
5,658.19
5,600.74
5,542.88
5,484.62
5,425.94
5,366.85
5,307.34
5,247.41
5,187.06
5,126.27
5,065.06
5,003.42
4,941.34
4,878.82
4,815.85
4,752.44
4,688.59
4,624.28
4,559.52
4,494.29

6807.832642
6855.9979303
6904.503987
6953.3532232
7002.5480669
7052.0909631
7101.9843744
7152.2307806
7202.8326792
7253.7925853
7305.1130318
7356.7965695
7408.8457672
7461.2632121
7514.0515094
7567.2132828
7620.7511749
7674.6678465
7728.9659776
7783.6482669
7838.7174324
7894.1762112
7950.0273598
8006.2736543
8062.9178902
8119.962883
8177.4114681
8235.2665009
8293.5308569
8352.2074322
8411.2991431
8470.8089267
8530.739741
8591.0945647
8651.8763976
8713.0882608
8774.7331968
8836.8142696
8899.3345648
8962.2971899
9025.7052744
9089.56197
9153.8704504
9218.6339122
9283.8555742

13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15

675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2

May-25
Jun-25
Jul-25
Aug-25
Sep-25
Oct-25
Nov-25
Dec-25
Jan-26
Feb-26
Mar-26
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
Jan-27
Feb-27
Mar-27
Apr-27
May-27
Jun-27
Jul-27
Aug-27
Sep-27
Oct-27
Nov-27
Dec-27
Jan-28
Feb-28
Mar-28
Apr-28
May-28
Jun-28
Jul-28
Aug-28
Sep-28
Oct-28
Nov-28
Dec-28
Jan-29

11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11
11

616,600.54
607,184.85
597,702.55
588,153.16
578,536.21
568,851.22
559,097.71
549,275.19
539,383.18
529,421.18
519,388.70
509,285.24
499,110.30
488,863.37
478,543.95
468,151.52
457,685.56
447,145.55
436,530.97
425,841.30
415,075.99
404,234.52
393,316.35
382,320.93
371,247.72
360,096.17
348,865.72
337,555.81
326,165.89
314,695.38
303,143.72
291,510.34
279,794.64
267,996.06
256,114.00
244,147.88
232,097.10
219,961.06
207,739.16
195,430.78
183,035.33
170,552.18
157,980.71
145,320.29
132,570.31

4,428.61
4,362.46
4,295.85
4,228.76
4,161.20
4,093.16
4,024.64
3,955.63
3,886.14
3,816.15
3,745.67
3,674.69
3,603.21
3,531.22
3,458.73
3,385.72
3,312.19
3,238.14
3,163.57
3,088.47
3,012.85
2,936.68
2,859.98
2,782.73
2,704.94
2,626.60
2,547.70
2,468.24
2,388.23
2,307.64
2,226.49
2,144.76
2,062.46
1,979.57
1,896.09
1,812.03
1,727.37
1,642.11
1,556.25
1,469.78
1,382.70
1,295.00
1,206.68
1,117.74
1,028.16

9349.5386782
9415.686489
9482.3022943
9549.3894052
9616.9511561
9684.9909052
9753.5120341
9822.5179488
9892.0120791
9961.997879
10032.478827
10103.458427
10174.940206
10246.927717
10319.424538
10392.434273
10465.960551
10540.007025
10614.577377
10689.675313
10765.304565
10841.468893
10918.172082
10995.417945
11073.210321
11151.553076
11230.450105
11309.905329
11389.922697
11470.506186
11551.659802
11633.387579
11715.693578
11798.58189
11882.056636
11966.121963
12050.782052
12136.041109
12221.903372
12308.373109
12395.454618
12483.152227
12571.470295
12660.413211
12749.985397

13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15

675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2

Feb-29
Mar-29
Apr-29
May-29
Jun-29
Jul-29
Aug-29
Sep-29
Oct-29
Nov-29

11
11
11
11
11
11
11
11
11
11

119,730.12
106,799.08
93,776.56
80,661.90
67,454.46
54,153.58
40,758.59
27,268.83
13,683.63
2.32

937.96
847.11
755.63
663.49
570.71
477.27
383.16
288.39
192.95
96.84

12840.191305
12931.035418
13022.522251
13114.656351
13207.442299
13300.884706
13394.988215
13489.757506
13585.197287
13681.312303
1,399,997.66

13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15
13,778.15

675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2
675.2

MOF
TASA FIJA ANUAL
TASA INTERES MENSUAL

1,400,000.00
8.49%
0.7075000%

Comisin por
INCREMENTO
PROPORCION
Administracin
Pago Total
MARGINAL
ACUMULADA
290
14,743.35
290
14,743.35
1.0070743452
1.0070743452
290
14,743.35
1.0070759252
2.0141502704
290
14,743.35
1.0070745771
3.0212248475
290
14,743.35
1.0070754359
4.0283002834
290
14,743.35
1.0070734175
5.0353737008
290
14,743.35
1.0070760772
6.042449778
290
14,743.35
1.0070758569
7.049525635
290
14,743.35
1.0070728345
8.0565984694
290
14,743.35
1.0070768472
9.0636753167
290
14,743.35
1.0070731571
10.0707484738
290
14,743.35
1.0070764137
11.0778248875
290
14,743.35
1.0070744743
12.0848993618
290
14,743.35
1.0070745988
13.0919739607
290
14,743.35
1.0070767274
14.099050688
290
14,743.35
1.0070737835
15.1061244715
290
14,743.35
1.0070751978
16.1131996693
290
14,743.35
1.0070739268
17.1202735961
290
14,743.35
1.0070769139
18.12735051
290
14,743.35
1.0070749407
19.1344254507
290
14,743.35
1.0070749178
20.1415003685
290
14,743.35
1.0070745462
21.1485749147
290
14,743.35
1.0070738333
22.155648748
290
14,743.35
1.0070749972
23.1627237452
290
14,743.35
1.0070757875
24.1697995327
290
14,743.35
1.0070740321
25.1768735648
290
14,743.35
1.0070762937
26.1839498585
290
14,743.35
1.0070738596
27.1910237181
290
14,743.35
1.0070753962
28.1980991143
290
14,743.35
1.0070765514
29.2051756656
290
14,743.35
1.007073124
30.2122487897
290
14,743.35
1.0070756886
31.2193244782
290
14,743.35
1.0070757751
32.2264002533
290
14,743.35
1.0070734501
33.2334737035
290
14,743.35
1.0070749168
34.2405486203

290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
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290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290

14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35

1.0070760036
1.0070747009
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812

35.2476246238
36.2546993248
37.261774306
38.2688492872
39.2759242685
40.2829992497
41.290074231
42.2971492122
43.3042241935
44.3112991747
45.3183741559
46.3254491372
47.3325241184
48.3395990997
49.3466740809
50.3537490622
51.3608240434
52.3678990246
53.3749740059
54.3820489871
55.3891239684
56.3961989496
57.4032739309
58.4103489121
59.4174238933
60.4244988746
61.4315738558
62.4386488371
63.4457238183
64.4527987996
65.4598737808
66.466948762
67.4740237433
68.4810987245
69.4881737058
70.495248687
71.5023236683
72.5093986495
73.5164736308
74.523548612
75.5306235932
76.5376985745
77.5447735557
78.551848537
79.5589235182

290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
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290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290

14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35

1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812

80.5659984995
81.5730734807
82.5801484619
83.5872234432
84.5942984244
85.6013734057
86.6084483869
87.6155233682
88.6225983494
89.6296733306
90.6367483119
91.6438232931
92.6508982744
93.6579732556
94.6650482369
95.6721232181
96.6791981993
97.6862731806
98.6933481618
99.7004231431
100.7074981243
101.7145731056
102.7216480868
103.728723068
104.7357980493
105.7428730305
106.7499480118
107.757022993
108.7640979743
109.7711729555
110.7782479368
111.785322918
112.7923978992
113.7994728805
114.8065478617
115.813622843
116.8206978242
117.8277728055
118.8348477867
119.8419227679
120.8489977492
121.8560727304
122.8631477117
123.8702226929
124.8772976742

290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
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290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290
290

14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35

1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812

125.8843726554
126.8914476366
127.8985226179
128.9055975991
129.9126725804
130.9197475616
131.9268225429
132.9338975241
133.9409725053
134.9480474866
135.9551224678
136.9621974491
137.9692724303
138.9763474116
139.9834223928
140.990497374
141.9975723553
143.0046473365
144.0117223178
145.018797299
146.0258722803
147.0329472615
148.0400222427
149.047097224
150.0541722052
151.0612471865
152.0683221677
153.075397149
154.0824721302
155.0895471115
156.0966220927
157.1036970739
158.1107720552
159.1178470364
160.1249220177
161.1319969989
162.1390719802
163.1461469614
164.1532219426
165.1602969239
166.1673719051
167.1744468864
168.1815218676
169.1885968489
170.1956718301

290
290
290
290
290
290
290
290
290
290

14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
14,743.35
2,653,803.00

1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812
1.0070749812

171.2027468113
172.2098217926
173.2168967738
174.2239717551
175.2310467363
176.2381217176
177.2451966988
178.25227168
179.2593466613
180.2664216425

GASTOS
FINANCIEROS
10,870.20
10,870.20
10,842.80
10,815.20
10,787.41
10,759.42
10,731.24
10,702.85
10,674.26
10,645.48
10,616.48
10,587.29
10,557.88
10,528.27
128,248.58
10,498.45
10,468.41
10,438.17
10,407.71
10,377.04
10,346.14
10,315.03
10,283.70
10,252.15
10,220.38
10,188.38
10,156.15
123,951.71
10,123.70
10,091.01
10,058.10
10,024.95
9,991.56
9,957.95
9,924.09
9,889.99
9,855.66
9,821.08

PAGO
$14,743.35
INTERESES
9,905.00
COMISION
290
SEGURO
675.2
AMIORTIZAND
3,873.15

9,786.25
9,751.18
9,715.86
9,680.29
9,644.47
9,608.40
9,572.07
9,535.48
9,498.63
9,461.53
9,424.16
9,386.53
9,348.63
9,310.46
9,272.02
9,233.31
9,194.33
9,155.07
9,115.53
9,075.71
9,035.62
8,995.23
8,954.57
8,913.61
8,872.37
8,830.83
8,789.00
8,746.87
8,704.45
8,661.72
8,618.69
8,575.36
8,531.72
8,487.78
8,443.52
8,398.95
8,354.06
8,308.86
8,263.33
8,217.49
8,171.32
8,124.82
8,077.99
8,030.84
7,983.34

119,275.52

114,186.49

108,648.20

102,620.97

7,935.52
7,887.35
7,838.85
7,790.00
7,740.80
7,691.26
7,641.37
7,591.12
7,540.52
7,489.56
7,438.24
7,386.55
7,334.50
7,282.09
7,229.30
7,176.14
7,122.60
7,068.68
7,014.38
6,959.70
6,904.63
6,849.17
6,793.32
6,737.08
6,680.43
6,623.39
6,565.94
6,508.08
6,449.82
6,391.14
6,332.05
6,272.54
6,212.61
6,152.26
6,091.47
6,030.26
5,968.62
5,906.54
5,844.02
5,781.05
5,717.64
5,653.79
5,589.48
5,524.72
5,459.49

96,061.64

88,923.23

81,154.63

72,700.20

5,393.81
5,327.66
5,261.05
5,193.96
5,126.40
5,058.36
4,989.84
4,920.83
4,851.34
4,781.35
4,710.87
4,639.89
4,568.41
4,496.42
4,423.93
4,350.92
4,277.39
4,203.34
4,128.77
4,053.67
3,978.05
3,901.88
3,825.18
3,747.93
3,670.14
3,591.80
3,512.90
3,433.44
3,353.43
3,272.84
3,191.69
3,109.96
3,027.66
2,944.77
2,861.29
2,777.23
2,692.57
2,607.31
2,521.45
2,434.98
2,347.90
2,260.20
2,171.88
2,082.94
1,993.36

64,296.20

53,486.31

42,589.24

30,730.16

1,903.16
1,812.31
1,720.83
1,628.69
1,535.91
1,442.47
1,348.36
1,253.59
1,158.15
1,062.04
1,253,805.34

INFRAESTRUCTURA
DESCRIPCION
DEPARTAMENTO PRODUCTIVO

Kit Juego De Atornillador Desarmador Inalambrico C-3292

Pc Cpu Gamer 6 Cores Ram 8gb 1tb R7 250 2gb Ddr5 Supera Ps4
Monitor Led 21.5 Ultraslim Elite Fullhd Display Port Daa
Multimetro Fluke 87 V
Mesa De Trabajo En Perfil De Aluminio
Router Modem Inalambrico Triple Antena Rompemuros Usb Wifi N
Kit Flejadora + Pinzas+ Fleje+ Grapas
Gastos de Instalacion fabril (Intranet) cableado
TOTAL ACTIVOS PRODUCTIVOS
OTROS ACTIVOS
DESCRIPCION

Super Equipo De Escritorio Dell Optiplex 4 Ram Vpro 4 Ram

Multifuncional Lexmark Xm5163
Escritorio En L Con 2 Cajones Fabricamos Muebles De Oficina
Telefono Con Display, Speaker, Memorias
Sillas Ads, Secretarial Basica Cb Negra
Reloj Checador Huella Digital Biometrico
Anaquel 4 Estantes Metlicos
TOTAL EQUIPO ADMINISTRACIN Y VENTAS

TOTAL DE INFRAESTRUCTURA INVERTIDA

BIENES INMUEBLES

DESCRIPCION

EDIFICIO 183 METROS CUADRADOS

ESTRUCTURA
COSTO UNITARIO

PIEZAS

M.O.I.

TASA DEPR

CIF

$
$
$
$
$
$
$

699.00
6,795.00
1,699.00
3,099.00
4,000.00
1,139.00
1,699.00

2
2
2
1
3
1
1

$
$
$
$
$
$
$

1,398.00
13,590.00
3,398.00
3,099.00
12,000.00
1,139.00
1,699.00

20%
33%
33%
20%
10%
33%
10%

4,000.00

$
$

4,000.00
40,323.00

10% $
$

COSTO UNITARIO
$
$
$
$
$
$
$

3,999.00
26,680.00
1,500.00
320.00
522.00
1,190.00
1,230.00

COSTO UNITARIO
$ 2,000,000.00

PIEZAS

5
1
5
3
10
1
4

PIEZAS

M.O.I.
$
$
$
$
$
$
$
$

19,995.00
26,680.00
7,500.00
960.00
5,220.00
1,190.00
4,920.00
66,465.00

106,788.00

$
$
$
$
$
$
$

TASA DEPR
33%
33%
10%
10%
10%
10%
10%

279.60
4,529.55
1,132.55
619.80
1,200.00
379.63
169.90

MAQUINARIA
EQUIPO COMPUTO PRO
EQUIPO COMPUTO PRO
MAQUINARIA
MOBILIARIO Y EQUIPO
EQUIPO COMPUTO PRO
MOBILIARIO Y EQUIPO

400.00 GASTOS DE INSTALACI

8,711.03
GASTOS

$
$
$
$
$
$
$
$

6,664.33
8,804.40
750.00
96.00
522.00
119.00
492.00
17,447.73

26,158.76

DEPR.AMORT.
/
M.O.I.
TASA DEPR
ANUAL
$ 2,000,000.00
5% $ 100,000.00

EQUIPO COMPUTO
EQUIPO COMPUTO
MOBILIARIO Y EQUIPO
MOBILIARIO Y EQUIPO
MOBILIARIO Y EQUIPO
MOBILIARIO Y EQUIPO
MOBILIARIO Y EQUIPO

UIPO COMPUTO PRODUCTIVO

UIPO COMPUTO PRODUCTIVO

BILIARIO Y EQUIPO
UIPO COMPUTO PRODUCTIVO
BILIARIO Y EQUIPO

STOS DE INSTALACIN

UIPO COMPUTO
UIPO COMPUTO
BILIARIO Y EQUIPO
BILIARIO Y EQUIPO
BILIARIO Y EQUIPO
BILIARIO Y EQUIPO
BILIARIO Y EQUIPO

ADMON
ADMON
ADMON
ADMON
ADMON
ADMON
ADMON

PERSONAL
aux. administrativo
aux. contable
diseador grafico
compras / almacen
ventas
aux. ventas
ayudantes generales
ayudantes generales
ing. De software
embalajadores
limpieza
contador
NOMINA MENSUAL
EMPLEADOS 18 PERSONAS
VENTAS Y ADMINISTRACIN
MANUFACTURA

NOMINA
N DE TRABAJADORES
2
1
1
1
1
2
3
1
2
62
2
1

OPERATIVOS
PRODUCTIVOS

NOMINA
AREA
administrativa
administrativa
marketing
compras
ventas
marketing
almacen
ensamblaje
programacion
embalaje y empaque
otro
contabilidad

MENSUAL
MENSUAL

SUELDO MENSUAL
$
5,000.00
$
4,500.00
$
10,000.00
$
10,000.00
$
8,000.00
$
4,500.00
$
3,000.00
$
3,250.00
$
10,000.00
$
10.00
$
2,500.00
$
10,000.00

GASTOS
MOD

$
$
$
$
$
$
$
$
$
$
$
$
$

TOTAL
10,000.00
4,500.00
10,000.00
10,000.00
8,000.00
9,000.00
9,000.00
3,250.00
20,000.00
620.00
5,000.00
10,000.00
99,370.00

$
$

75,500.00
23,870.00

GA
GA
GV
GA
GV
GV
GA
MOD
MOD
x pz
GA
GA

GASTOS DE OPERACIN
CONCEPTO
PERIODO
Aspel Kit De Uso Interno Sae Coi Noi Banco Prod +c+
ANUAL
MENSUAL
papeleria y utiles
Calculadora Con Impresora Casio 2 PZ
ANUAL
Cartucho Original Lexmark 34018hl E330/332/340/342
BIMESTRAL
Pagina Web Apps Wordpress hosting
ANUAL
Volantes Flayers Mil 1/4 De Carta A Color
MENSUAL
material de limpieza
MENSUAL
fletes y acarreos
MENSUAL
TOTAL DE GASTOS FIJOS

NOMINA VENTAS
NOMINA ADMINISTRACION
TOTAL NOMINA

DEPRECIACIN DE EDIFICIOS
DEPRECIACION DE EQUIPO DE ADMINISTRACION
TOTAL DEPRECIACION
TOTAL GASTOS FIJOS

N
AREA
ADMINISTRACION
ADMINISTRACION
ADMINISTRACION
ADMINISTRACION
VENTAS
VENTAS
ADMINISTRACION
VENTAS

$
$
$
$
$
$
$
$
$

MONTO
694.00
1,000.00
1,528.00
769.00
990.00
125.00
500.00
6,000.00
11,606.00

MENSUAL
$ 27,000.00
$ 48,500.00
$ 75,500.00

$
$
$
$
$
$
$
$
$

ANUAL
694.00
12,000.00
1,528.00
4,614.00
990.00
1,500.00
6,000.00
72,000.00
99,326.00

$
$
$

ANUAL
324,000.00
582,000.00
906,000.00

$
$
$

ANUAL
100,000.00
17,447.73
117,447.73

MENSUAL

$ 1,122,773.73

MATERIA PRIMA DIRECTA / COSTO VARIAB

concepto
Procesador Amd Athlon 64 X2 Dual-core 6400+ 3.20 Ghz Hwo Modelo ADX6400IAA6CZ
Tarjeta Madre Asus P8h67-m Pro Csm1155 Ddr3 Pci-e Gaming100%
Memoria Ram Ddr3 1333mhz 4gb Hyperx Blu De Kingston
Memoria Adata Xpg Ddr3 8gb Dual Channel 1600mhz 2x4gb
Disco Duro Interno 3.5 Western Digital Sata 320gb
Gabinete Metalico Para Rockola, Maquinas De Video Juegos
placa de video Sapphire Ati Radeon Hd 7750 1gb Ddr5 Hdmi Dvi-i Pci-e Tv Out
Monitor Lcd 19 Pulg. Hp La1905wg, Vga/dvi/dispalyport, Usb
tornillos thumbscrews
tornillos de coolers
tornillos de tapas laterales
illos accesorios tipo disqueteras o cdromm
tornillos de coolers
separadores plasticos
torres de bronce
tornillos HD
Adaptador AC Porttil Sony Vaio AC16V8
Base Refrigerante Stand 3 ventiladores +4 usb
Batera Dell 6000/9600 V4400mAh
Cable de poder SATA (Serial ATA) AGI-1932
Cable De Video VGA 1.8mts
Cmara Web Genius FaceCam 312/MC
Fuente de Poder Thermaltake 430W TR2 W0070RU
Licencia Office Hogar y Estudiantes 2012
Licencia Windows 8 Profesional 64Bits OEM
paquete de teclado y mouse

SportGuard SP-09 ABS HDD Case disco duro w / Tag 250GB para Xbox 360 Slim - Negro
Tarjeta de Video radeon r9 295x2
Joystick Xbox
subtotal

inversion diferida

subtotal
capital de trabajo
subtotal

TOTAL NETO

COSTO VARIABLE
unidades
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas
piezas

cantidad

1
1
1
1
1
1
1
1
5
2
4
4
5
5
3
4
1
1
1
1
1
1
1
1
1
1
1
1
1

p. unitario

importe total inversion origen

400.00

400.00 $

24,800.00

580.00

580.00 $

35,960.00

100.00

100.00 $

6,200.00

260.00

260.00 $

16,120.00

263.60

263.60 $

16,343.20

40.00

40.00 $

2,480.00

500.00

500.00 $

31,000.00

500.00

500.00 $

31,000.00

0.02

0.02 $

1.24

0.02

0.02 $

1.24

0.10

0.10 $

6.20

0.02

0.02 $

1.24

0.02

0.02 $

1.24

0.02

0.02 $

1.24

0.40

0.40 $

24.80

0.20

0.20 $

12.40

275.60

275.60 $

17,087.20

145.60

145.60 $

9,027.20

873.60

873.60 $

54,163.20

36.34

36.34 $

2,253.08

67.60

67.60 $

4,191.20

145.60

145.60 $

9,027.20

639.00

639.00 $

39,618.00

1,029.60

1,029.60 $

63,835.20

1,835.60

1,835.60 $

113,807.20

160 $

9,920.00

160
$

1,500.00

1,500.00 $

93,000.00

3,000.00

3,000.00 $

186,000.00

$
$

100.00
7,852.40

$
100.00 $
$ 12,452.94 $

6,200.00

772,082.28

MANO DE OBRA DIRECTA

PERSONAL N DE TRABAJADORES
AREASUELDO MENSUALTOTAL
ayudantes generales
1 ensamblaje $ 3,250.00 $ 3,250.00 MOD
ing. De software
2 programacion $10,000.00 $20,000.00 MOD
embalajadores
62 embalaje y e $
10.00 $
620.00 DESTAJO

62

CICLO PRODUCTIVO
PIEZAS

30

DIAS

MANO DE OBRA DIRECTA UNITARIA

PERSONAL N DE TRABAJADORES
AREASUELDO MENSUALTOTAL
ayudantes generales
1 ensamblaje $ 3,250.00 $ 3,250.00
ing. De software
2 programacion $10,000.00 $20,000.00
embalajadores
62 embalaje y e $
10.00 $
620.00
$23,870.00
UNITARIO
$
385.00 POR PIEZA

FIJO
FIJO
VARIABLE

GASTOS FABRILES
concepto

SERVICIO DE COMUNICACIN (TELEFONO E INTERNET)

LUZ
subtotal

MATERIA PRIMA INDIRECTA

DESCRIPCION

18209 Set De Desarmador Con Puntas 60 Pzs Truper Tertulianet

TOTAL DE CIF FIJOS ANUALES

RILES
PERIODO

MONTO

MENSUAL
MENSUAL

$
$

800.00
600.00

ANUAL

$ 9,600.00
$ 7,200.00

$ 1,400.00

RIMA INDIRECTA
UNITARIO
$
328.00

$17,456.00 ANUAL
$ 1,454.67 MENSUAL

COSTOS ANUAL
$
656.00

TOTAL DE CIF FIJOS

$17,456.00 ANUAL
MENSUAL

DEPRECIACION EQP PRODUCTIVO

TOTAL DEPRECIACION

ANUAL
$
$

MENSUAL
NOMINA FIJA
MOD FIJA
COSTOS FIJOS

MPD
MOD
COSTO PRIMO

$23,250.00
$23,250.00

8,711.03
8,711.03
ANUAL

$
$

279,000.00
279,000.00

305,167.03

UNITARIO
PZAS
TOTAL
$12,452.94
744 $ 9,264,987.36 ANUAL
$
10.00
744 $
7,440.00 ANUAL
$12,462.94
$ 9,272,427.36
COSTO VARIABLE

PUNTO DE EQUILIBRIO
VENTAS

0%
=

UNITARIOS
CONCEPTO
VENTAS

VOLUMEN PRODUCCION
UNITARIO UNIDADES
$14,570.00
744

COSTO PRIMO
VARIABLE

$12,462.94

COSTOS

744

$ 2,107.06
FIJOS
CONCEPTO
GASTOS OPERACIN
GASTOS FINANCIEROS

COSTOS FIJOS

PUNTO DE EQUILIBRIO
UTILIDAD 0

PERIODO
2015
2014 / 2015
2015

$ 2,106.26

GASTOS
744 ANUALES
$

TOTAL
10,840,080.00

9,272,427.36

1,567,652.64

ANUAL
$
$
$
$

1,122,773.73
139,118.78
305,167.03
1,567,059.54

593.10
0

INVERSION
A

TASA INTERNA
VENTAS

1,400,000.00

ESCENARIO OPTIMISTA
=
COSTOS

UNITARIOS
CONCEPTO
VENTAS

VOLUMEN PRODUCCION
UNITARIO
UNIDADES
$
16,451.00
744

COSTO PRIMO

12,462.94

FIJOS

PERIODO

CONCEPTO
GASTOS OPERACIN
GASTOS FINANCIEROS

744

2015
2014 / 2015

COSTOS

2015

UTILIDAD NETA
INVERSION
B

TASA INTERNA
VENTAS
UNITARIOS
CONCEPTO
VENTAS
COSTO PRIMO

ESCENARIO MODERADO
=
COSTOS

VOLUMEN PRODUCCION
UNITARIO
UNIDADES
$
15,511.00
744
1
$
12,462.94
744

FIJOS

PERIODO

CONCEPTO
GASTOS OPERACIN
GASTOS FINANCIEROS

COSTOS

2015
2014 / 2015
2015

UTILIDAD NETA
INVERSION
C

TASA INTERNA

ESCENARIO CRITICO

VENTAS

COSTOS

UNITARIOS
CONCEPTO
VENTAS

VOLUMEN PRODUCCION
UNITARIO
UNIDADES
$
14,569.00
744

COSTO PRIMO

12,462.94

FIJOS

COSTOS

UTILIDAD NETA
INVERSION

744

PERIODO

CONCEPTO
GASTOS OPERACIN
GASTOS FINANCIEROS

2015
2014 / 2015
2015

$ 1,628.10

GASTOS

$ 1,400,000.00
UTILIDAD

100%

$
700,000.00
UTILIDAD

50%

744 ANUALES
TOTAL
$ 12,239,544.00
$

9,272,427.36

ANUAL
$ 1,122,773.73
$
139,118.78
$
305,167.03
$ 1,567,059.54
$
$
$

1,400,057.10
1,400,000.00
57.10

GASTOS

+
744 ANUALES

TOTAL
$ 11,540,184.00
$

9,272,427.36

ANUAL
$ 1,122,773.73
$
139,118.78
$
305,167.03
$ 1,211,309.54
$
$
$

700,697.10
700,000.00
697.10
$

140,000.00

10%

GASTOS

+
744 ANUALES

TOTAL
$ 10,839,336.00
$

9,272,427.36

ANUAL
$ 1,122,773.73
$
139,118.78
$
305,167.03
$ 1,211,309.54
-$
$

150.90
140,000.00

UTILIDAD

KOYLE S.A. DE C.V.

ESTADO DE SITUACION FINANCIERA

DICIEMBRE
ACTIVOS
Activo Circulante
Caja y bancos
Almacenes
Materia prima (62 equipos)
Activo Circulante Total
Inversiones
Activo Fijo
Edificios
Mobiliario y Equipo
Mesa De Trabajo En Perfil De Aluminio
Kit Flejadora + Pinzas+ Fleje+ Grapas
Escritorio En L Con 2 Cajones Fabricamos Muebles De Oficina
Telefono Con Display, Speaker, Memorias
Sillas Ads, Secretarial Basica Cb Negra
Reloj Checador Huella Digital Biometrico
Anaquel 4 Estantes Metlicos

$
$
$
$
$
$
$

12,000.00
1,699.00
7,500.00
960.00
5,220.00
1,190.00
4,920.00

Maquinaria y Equipo
Kit Juego De Atornillador Desarmador Inalambrico C-3292
Multimetro Fluke 87 V

$
$

1,398.00
3,099.00

Equipo de Computo
Super Equipo De Escritorio Dell Optiplex 4 Ram Vpro 4 Ram
$
Multifuncional Lexmark Xm5163
$
Pc Cpu Gamer 6 Cores Ram 8gb 1tb R7 250 2gb Ddr5 Supera $
Monitor Led 21.5 Ultraslim Elite Fullhd Display Port Daa
$
Router Modem Inalambrico Triple Antena Rompemuros Usb Wif $

19,995.00
26,680.00
13,590.00
3,398.00
1,139.00

Activos fijos
Activo Diferido
Gastos de Instalacin (Red)
Cargos Diferidos

4,000.00

Activo Total

Pasivos y Capital

Pasivo a largo plazo

Hipotecas Por Pagar Santander Premier
Pasivo Total

Capital Social
Perdida del Ejercicio (Intereses)
Capital Total

Pasivo + Capital

2014

$528,126.77
$772,082.28
$1,300,209.05

$2,000,000.00
$33,489.00

$4,497.00

$64,802.00

$2,102,788.00

4,000.00

$3,406,997.05

$1,396,126.85
$1,396,126.85

$2,000,000.00
$10,870.20
$2,010,870.20

$3,406,997.05

ESTUDIO DE MERCADO
XBOX
VALOR MERCADO

Se puede utilizar en conjunto con las

aplicaciones de SmartGlass en Android, IOS,
Windows Phone, y Windows 8. Puede
almacenar informacin en la nube.
Lector de Blu-Ray/DVD

Pc Intel I7 4ta Generacion 16gb Max Ssd + 2tb Gamer Extrema

VALOR MERCADO
SOCKET 1150
ADATA SSD SP600 64GB 2.5" SATAIII
ASP600S3-64GM-C
MEMORIA DDR3 ADATA 16GB 1600Mhz
UDIMMM (AD3U1600W8G11-S)
Disco Duro de 2TB a 7200 RPM Expandible a
15TB
Quemador de DVD INTERNO SATA
MOTHER BOARD GIGABYTE GA-B85M-D3H LGA
1150 HDMI USB 3.0 SOPORTA (32GB)*
FUENTE ACTECK 500W INCLUIDA
TOTAL COMBO
PRECIO DE VENTA ESTIMADO
TIR CRITICA
MARGEN DE COMPETENCIA PERFECTA

$ 8,500.00

n conjunto con las

Glass en Android, IOS,
Windows 8. Puede
acin en la nube.
u-Ray/DVD

er Extrema
$11,999.00

T 1150
64GB 2.5" SATAIII
-64GM-C
ATA 16GB 1600Mhz
1600W8G11-S)
200 RPM Expandible a
B
D INTERNO SATA
YTE GA-B85M-D3H LGA
SOPORTA (32GB)*
500W INCLUIDA
$20,499.00
$14,569.00

$ 5,930.00