Está en la página 1de 33

Tabla de Amortizacion Cuota Constante

prestamo
tasa
plazo
tipo

2500000
2.20%
24
0

periodo

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

80,191.30
81,955.50
83,758.53
85,601.21
87,484.44
89,409.10
91,376.10
93,386.37
95,440.87
97,540.57
99,686.46
101,879.57
104,120.92
106,411.58
108,752.63
111,145.19
113,590.38
116,089.37
118,643.34
121,253.49
123,921.07
126,647.33
129,433.57
132,281.11
-

interes
55,000.00
53,235.79
51,432.77
49,590.08
47,706.86
45,782.20
43,815.20
41,804.92
39,750.42
37,650.72
35,504.83
33,311.73
31,070.38
28,779.72
26,438.66
24,046.11
21,600.91
19,101.92
16,547.96
13,937.80
11,270.23
8,543.96
5,757.72
2,910.18
-

cuota
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
135,191.30
-

saldo
2,500,000.00
2,419,808.70
2,337,853.20
2,254,094.67
2,168,493.46
2,081,009.02
1,991,599.92
1,900,223.83
1,806,837.45
1,711,396.58
1,613,856.01
1,514,169.55
1,412,289.98
1,308,169.07
1,201,757.49
1,093,004.86
981,859.67
868,269.28
752,179.91
633,536.58
512,283.08
388,362.02
261,714.68
132,281.11
-

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

tabla de capitaliacion cuota constante

monto final
tasa
plazo
tipo
periodo

60000000
1.50%
60
0
capital

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

623,605.65
632,959.73
642,454.13
652,090.94
661,872.30
671,800.39
681,877.39
692,105.55
702,487.14
713,024.44
723,719.81
734,575.61
745,594.24
756,778.16
768,129.83
779,651.78
791,346.55
803,216.75
815,265.00
827,493.98
839,906.39
852,504.98
865,292.56
878,271.94
891,446.02
904,817.71
918,389.98
932,165.83
946,148.32
960,340.54
974,745.65
989,366.83
1,004,207.34
1,019,270.45

interes
9,354.08
18,848.48
28,485.29
38,266.66
48,194.74
58,271.75
68,499.91
78,881.49
89,418.80
100,114.16
110,969.96
121,988.60
133,172.51
144,524.18
156,046.13
167,740.91
179,611.10
191,659.36
203,888.33
216,300.74
228,899.34
241,686.91
254,666.30
267,840.38
281,212.07
294,784.33
308,560.18
322,542.67
336,734.90
351,140.00
365,761.19
380,601.69
395,664.80

cuota
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65

saldo
623,605.65
1,256,565.38
1,899,019.50
2,551,110.44
3,212,982.74
3,884,783.13
4,566,660.52
5,258,766.08
5,961,253.21
6,674,277.66
7,397,997.47
8,132,573.07
8,878,167.32
9,634,945.47
10,403,075.30
11,182,727.07
11,974,073.63
12,777,290.38
13,592,555.38
14,420,049.35
15,259,955.74
16,112,460.72
16,977,753.28
17,856,025.22
18,747,471.25
19,652,288.96
20,570,678.94
21,502,844.77
22,448,993.09
23,409,333.63
24,384,079.28
25,373,446.11
26,377,653.45
27,396,923.90

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,034,559.50
1,050,077.90
1,065,829.07
1,081,816.50
1,098,043.75
1,114,514.40
1,131,232.12
1,148,200.60
1,165,423.61
1,182,904.97
1,200,648.54
1,218,658.27
1,236,938.14
1,255,492.21
1,274,324.60
1,293,439.47
1,312,841.06
1,332,533.67
1,352,521.68
1,372,809.51
1,393,401.65
1,414,302.67
1,435,517.21
1,457,049.97
1,478,905.72
1,501,089.31

410,953.86
426,472.25
442,223.42
458,210.86
474,438.10
490,908.76
507,626.48
524,594.96
541,817.97
559,299.32
577,042.89
595,052.62
613,332.50
631,886.57
650,718.95
669,833.82
689,235.41
708,928.03
728,916.03
749,203.86
769,796.00
790,697.03
811,911.57
833,444.33
855,300.07
877,483.66

623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65
623,605.65

28,431,483.40
29,481,561.30
30,547,390.36
31,629,206.87
32,727,250.61
33,841,765.02
34,972,997.14
36,121,197.74
37,286,621.35
38,469,526.32
39,670,174.86
40,888,833.13
42,125,771.27
43,381,263.49
44,655,588.08
45,949,027.55
47,261,868.61
48,594,402.29
49,946,923.97
51,319,733.47
52,713,135.12
54,127,437.79
55,562,955.00
57,020,004.97
58,498,910.69
60,000,000.00

tabla de amortizacion con abonos extraordinarios


Cliente
Cedula
Valor Negociacin
Valor Cuota Inicial
Valor Refinanciado
Tasa EA
Tasa NA
tasa
plazo
tipo

JAMES MEJIA
16679078
3,000,000.00
300,000.00
2,700,000.00
22.97%
20.86%
1.74%
12
0

relacion
periodo

abonos
abonos
0
3
9

300,000.00
300,000.00

total
valor cuota

extraordinarios
VPAE
$ 284,886.23
$ 256,904.60
$ 541,790.83

$ 200,810.07

periodo

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

153,883.64
156,558.16
459,279.17
167,261.51
170,168.55
173,126.10
176,135.06
179,196.32
482,310.78
190,693.42
194,007.70
197,379.59
-

interes

cuota
46,926.43
44,251.91
41,530.91
33,548.56
30,641.53
27,683.97
24,675.01
21,613.76
18,499.29
10,116.66
6,802.37
3,430.49
-

200,810.07
200,810.07
500,810.07
200,810.07
200,810.07
200,810.07
200,810.07
200,810.07
500,810.07
200,810.07
200,810.07
200,810.07
-

21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

saldo
2,700,000.00
2,546,116.36
2,389,558.20
1,930,279.03
1,763,017.51
1,592,848.97
1,419,722.86
1,243,587.80
1,064,391.48
582,080.70
391,387.29
197,379.59
-

Tabla de Capitalizacion con abonos extraordinarios


monto final
tasa
plazo
tipo

60,000,000.00
1.50%
60
0
Relacion Abonos Extraordinarios
periodo
abonos
VFAE
0
12
4000000
$ 8,173,913.16
24
4000000
$ 6,836,558.15
36
4000000
$ 5,718,011.25
48
4000000
$ 4,782,472.69
60
4000000
$ 4,000,000.00
total
$ 29,510,955.24

valor cuota

$ 316,885.67

periodo

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

316,885.67
321,638.96
326,463.54
331,360.50
336,330.90
341,375.87
346,496.51
351,693.95
356,969.36
362,323.90
367,758.76
4,373,275.14
438,874.27
445,457.38
452,139.24
458,921.33
465,805.15
472,792.23
479,884.11
487,082.38
494,388.61
501,804.44
509,331.51

interes
4,753.29
9,577.87
14,474.82
19,445.23
24,490.19
29,610.83
34,808.28
40,083.69
45,438.23
50,873.09
56,389.47
121,988.60
128,571.71
135,253.57
142,035.66
148,919.48
155,906.56
162,998.44
170,196.70
177,502.94
184,918.77
192,445.83

cuota
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
4,316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67

24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

4,516,971.48
584,726.05
593,496.94
602,399.40
611,435.39
620,606.92
629,916.02
639,364.76
648,955.23
658,689.56
668,569.91
678,598.46
4,688,777.43
759,109.09
770,495.73
782,053.17
793,783.96
805,690.72
817,776.08
830,042.72
842,493.37
855,130.77
867,957.73
880,977.09
4,894,191.75
967,604.63
982,118.70
996,850.48
1,011,803.23
1,026,980.28
1,042,384.99
1,058,020.76
1,073,891.07
1,089,999.44
1,106,349.43
1,122,944.67
5,139,788.84

200,085.81
267,840.38
276,611.27
285,513.72
294,549.71
303,721.25
313,030.35
322,479.09
332,069.56
341,803.89
351,684.23
361,712.78
371,891.76
442,223.42
453,610.06
465,167.49
476,898.29
488,805.05
500,890.41
513,157.05
525,607.69
538,245.09
551,072.05
564,091.42
577,306.08
650,718.95
665,233.02
679,964.80
694,917.56
710,094.61
725,499.31
741,135.09
757,005.40
773,113.76
789,463.76
806,059.00
822,903.17

4,316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
4,316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
4,316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
316,885.67
4,316,885.67

narios

$ 8,173,913.16
$ 6,836,558.15
$ 5,718,011.25
$ 4,782,472.69
$ 4,000,000.00
$ 29,510,955.24

saldo
316,885.67
638,524.63
964,988.18
1,296,348.67
1,632,679.58
1,974,055.45
2,320,551.95
2,672,245.90
3,029,215.27
3,391,539.17
3,759,297.93
8,132,573.07
8,571,447.34
9,016,904.73
9,469,043.97
9,927,965.31
10,393,770.46
10,866,562.69
11,346,446.81
11,833,529.18
12,327,917.79
12,829,722.23
13,339,053.74

17,856,025.22
18,440,751.27
19,034,248.22
19,636,647.61
20,248,083.00
20,868,689.92
21,498,605.94
22,137,970.71
22,786,925.94
23,445,615.51
24,114,185.41
24,792,783.87
29,481,561.30
30,240,670.39
31,011,166.12
31,793,219.29
32,587,003.25
33,392,693.98
34,210,470.06
35,040,512.78
35,883,006.15
36,738,136.92
37,606,094.64
38,487,071.74
43,381,263.49
44,348,868.11
45,330,986.81
46,327,837.29
47,339,640.52
48,366,620.80
49,409,005.79
50,467,026.55
51,540,917.62
52,630,917.06
53,737,266.49
54,860,211.16
60,000,000.00

Tabla de Amortizacion Cuota Variable

prestamo
tasa
plazo
tipo

60000000
1.50%
60
0

periodo

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

interes
900,000.00
890,645.92
881,151.52
871,514.71
861,733.34
851,805.26
841,728.25
831,500.09
821,118.51
810,581.20
799,885.84
789,030.04
778,011.40
766,827.49
755,475.82
743,953.87
732,259.09
720,388.90
708,340.64
696,111.67
683,699.26
671,100.66
658,313.09
645,333.70
632,159.62
618,787.93
605,215.67
591,439.82
577,457.33
563,265.10
548,860.00
534,238.81
519,398.31
504,335.20

cuota
1,900,000.00
1,890,645.92
1,881,151.52
1,871,514.71
1,861,733.34
1,851,805.26
1,841,728.25
1,831,500.09
1,821,118.51
1,810,581.20
1,799,885.84
1,789,030.04
1,778,011.40
1,766,827.49
1,755,475.82
1,743,953.87
1,732,259.09
1,720,388.90
1,708,340.64
1,696,111.67
1,683,699.26
1,671,100.66
1,658,313.09
1,645,333.70
1,632,159.62
1,618,787.93
1,605,215.67
1,591,439.82
1,577,457.33
1,563,265.10
1,548,860.00
1,534,238.81
1,519,398.31
1,504,335.20

saldo
60,000,000.00
59,000,000.00
58,000,000.00
57,000,000.00
56,000,000.00
55,000,000.00
54,000,000.00
53,000,000.00
52,000,000.00
51,000,000.00
50,000,000.00
49,000,000.00
48,000,000.00
47,000,000.00
46,000,000.00
45,000,000.00
44,000,000.00
43,000,000.00
42,000,000.00
41,000,000.00
40,000,000.00
39,000,000.00
38,000,000.00
37,000,000.00
36,000,000.00
35,000,000.00
34,000,000.00
33,000,000.00
32,000,000.00
31,000,000.00
30,000,000.00
29,000,000.00
28,000,000.00
27,000,000.00
26,000,000.00

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

489,046.14
473,527.75
457,776.58
441,789.14
425,561.90
409,091.24
392,373.52
375,405.04
358,182.03
340,700.68
322,957.11
304,947.38
286,667.50
268,113.43
249,281.05
230,166.18
210,764.59
191,071.97
171,083.97
150,796.14
130,204.00
109,302.97
88,088.43
66,555.67
44,699.93
22,516.34

1,489,046.14
1,473,527.75
1,457,776.58
1,441,789.14
1,425,561.90
1,409,091.24
1,392,373.52
1,375,405.04
1,358,182.03
1,340,700.68
1,322,957.11
1,304,947.38
1,286,667.50
1,268,113.43
1,249,281.05
1,230,166.18
1,210,764.59
1,191,071.97
1,171,083.97
1,150,796.14
1,130,204.00
1,109,302.97
1,088,088.43
1,066,555.67
1,044,699.93
1,022,516.34

25,000,000.00
24,000,000.00
23,000,000.00
22,000,000.00
21,000,000.00
20,000,000.00
19,000,000.00
18,000,000.00
17,000,000.00
16,000,000.00
15,000,000.00
14,000,000.00
13,000,000.00
12,000,000.00
11,000,000.00
10,000,000.00
9,000,000.00
8,000,000.00
7,000,000.00
6,000,000.00
5,000,000.00
4,000,000.00
3,000,000.00
2,000,000.00
1,000,000.00
-

Tabla de Amortizacion Cuota Variable

prestamo
tasa
plazo
tipo

60000000
1.50%
60
0

periodo

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

interes
900,000.00
885,000.00
870,000.00
855,000.00
840,000.00
825,000.00
810,000.00
795,000.00
780,000.00
765,000.00
750,000.00
735,000.00
720,000.00
705,000.00
690,000.00
675,000.00
660,000.00
645,000.00
630,000.00
615,000.00
600,000.00
585,000.00
570,000.00
555,000.00
540,000.00
525,000.00
510,000.00
495,000.00
480,000.00
465,000.00
450,000.00
435,000.00
420,000.00
405,000.00

cuota
1,900,000.00
1,885,000.00
1,870,000.00
1,855,000.00
1,840,000.00
1,825,000.00
1,810,000.00
1,795,000.00
1,780,000.00
1,765,000.00
1,750,000.00
1,735,000.00
1,720,000.00
1,705,000.00
1,690,000.00
1,675,000.00
1,660,000.00
1,645,000.00
1,630,000.00
1,615,000.00
1,600,000.00
1,585,000.00
1,570,000.00
1,555,000.00
1,540,000.00
1,525,000.00
1,510,000.00
1,495,000.00
1,480,000.00
1,465,000.00
1,450,000.00
1,435,000.00
1,420,000.00
1,405,000.00

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

390,000.00
375,000.00
360,000.00
345,000.00
330,000.00
315,000.00
300,000.00
285,000.00
270,000.00
255,000.00
240,000.00
225,000.00
210,000.00
195,000.00
180,000.00
165,000.00
150,000.00
135,000.00
120,000.00
105,000.00
90,000.00
75,000.00
60,000.00
45,000.00
30,000.00
15,000.00

1,390,000.00
1,375,000.00
1,360,000.00
1,345,000.00
1,330,000.00
1,315,000.00
1,300,000.00
1,285,000.00
1,270,000.00
1,255,000.00
1,240,000.00
1,225,000.00
1,210,000.00
1,195,000.00
1,180,000.00
1,165,000.00
1,150,000.00
1,135,000.00
1,120,000.00
1,105,000.00
1,090,000.00
1,075,000.00
1,060,000.00
1,045,000.00
1,030,000.00
1,015,000.00

saldo
60,000,000.00
59,000,000.00
58,000,000.00
57,000,000.00
56,000,000.00
55,000,000.00
54,000,000.00
53,000,000.00
52,000,000.00
51,000,000.00
50,000,000.00
49,000,000.00
48,000,000.00
47,000,000.00
46,000,000.00
45,000,000.00
44,000,000.00
43,000,000.00
42,000,000.00
41,000,000.00
40,000,000.00
39,000,000.00
38,000,000.00
37,000,000.00
36,000,000.00
35,000,000.00
34,000,000.00
33,000,000.00
32,000,000.00
31,000,000.00
30,000,000.00
29,000,000.00
28,000,000.00
27,000,000.00
26,000,000.00

25,000,000.00
24,000,000.00
23,000,000.00
22,000,000.00
21,000,000.00
20,000,000.00
19,000,000.00
18,000,000.00
17,000,000.00
16,000,000.00
15,000,000.00
14,000,000.00
13,000,000.00
12,000,000.00
11,000,000.00
10,000,000.00
9,000,000.00
8,000,000.00
7,000,000.00
6,000,000.00
5,000,000.00
4,000,000.00
3,000,000.00
2,000,000.00
1,000,000.00
-

Tabla de Capitalizacion Cuota Variable


monto final
tasa
plazo
periodo

60,000,000.00
1.50%
60
capital

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35

1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

interes
15,000.00
30,000.00
45,000.00
60,000.00
75,000.00
90,000.00
105,000.00
120,000.00
135,000.00
150,000.00
165,000.00
180,000.00
195,000.00
210,000.00
225,000.00
240,000.00
255,000.00
270,000.00
285,000.00
300,000.00
315,000.00
330,000.00
345,000.00
360,000.00
375,000.00
390,000.00
405,000.00
420,000.00
435,000.00
450,000.00
465,000.00
480,000.00
495,000.00
510,000.00

cuota
1,000,000.00
1,015,000.00
1,030,000.00
1,045,000.00
1,060,000.00
1,075,000.00
1,090,000.00
1,105,000.00
1,120,000.00
1,135,000.00
1,150,000.00
1,165,000.00
1,180,000.00
1,195,000.00
1,210,000.00
1,225,000.00
1,240,000.00
1,255,000.00
1,270,000.00
1,285,000.00
1,300,000.00
1,315,000.00
1,330,000.00
1,345,000.00
1,360,000.00
1,375,000.00
1,390,000.00
1,405,000.00
1,420,000.00
1,435,000.00
1,450,000.00
1,465,000.00
1,480,000.00
1,495,000.00
1,510,000.00

36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00
1,000,000.00

525,000.00
540,000.00
555,000.00
570,000.00
585,000.00
600,000.00
615,000.00
630,000.00
645,000.00
660,000.00
675,000.00
690,000.00
705,000.00
720,000.00
735,000.00
750,000.00
765,000.00
780,000.00
795,000.00
810,000.00
825,000.00
840,000.00
855,000.00
870,000.00
885,000.00

1,525,000.00
1,540,000.00
1,555,000.00
1,570,000.00
1,585,000.00
1,600,000.00
1,615,000.00
1,630,000.00
1,645,000.00
1,660,000.00
1,675,000.00
1,690,000.00
1,705,000.00
1,720,000.00
1,735,000.00
1,750,000.00
1,765,000.00
1,780,000.00
1,795,000.00
1,810,000.00
1,825,000.00
1,840,000.00
1,855,000.00
1,870,000.00
1,885,000.00

ble

saldo
1,000,000.00
2,000,000.00
3,000,000.00
4,000,000.00
5,000,000.00
6,000,000.00
7,000,000.00
8,000,000.00
9,000,000.00
10,000,000.00
11,000,000.00
12,000,000.00
13,000,000.00
14,000,000.00
15,000,000.00
16,000,000.00
17,000,000.00
18,000,000.00
19,000,000.00
20,000,000.00
21,000,000.00
22,000,000.00
23,000,000.00
24,000,000.00
25,000,000.00
26,000,000.00
27,000,000.00
28,000,000.00
29,000,000.00
30,000,000.00
31,000,000.00
32,000,000.00
33,000,000.00
34,000,000.00
35,000,000.00

36,000,000.00
37,000,000.00
38,000,000.00
39,000,000.00
40,000,000.00
41,000,000.00
42,000,000.00
43,000,000.00
44,000,000.00
45,000,000.00
46,000,000.00
47,000,000.00
48,000,000.00
49,000,000.00
50,000,000.00
51,000,000.00
52,000,000.00
53,000,000.00
54,000,000.00
55,000,000.00
56,000,000.00
57,000,000.00
58,000,000.00
59,000,000.00
60,000,000.00

Tabla de Amortizacion con Periodos de gracia

monto inicial
tasa
plazo
Gracia
tipo

60,000,000.00
1.50%
60
6
0

periodo

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32

797,210.76
809,168.92
821,306.45
833,626.05
846,130.44
858,822.40
871,704.73
884,780.30
898,052.01
911,522.79
925,195.63
939,073.56
953,159.67
967,457.06
981,968.92
996,698.45
1,011,648.93
1,026,823.66
1,042,226.02
1,057,859.41
1,073,727.30
1,089,833.21
1,106,180.71
1,122,773.42
1,139,615.02
1,156,709.24

interes

cuota
900,000.00
913,500.00
927,202.50
941,110.54
955,227.20
969,555.60
984,098.94
972,140.78
960,003.24
947,683.65
935,179.25
922,487.30
909,604.96
896,529.39
883,257.69
869,786.91
856,114.06
842,236.13
828,150.03
813,852.63
799,340.78
784,611.24
769,660.77
754,486.03
739,083.68
723,450.29
707,582.40
691,476.49
675,128.99
658,536.28
641,694.68
624,600.45

1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69

33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,174,059.88
1,191,670.78
1,209,545.84
1,227,689.03
1,246,104.37
1,264,795.93
1,283,767.87
1,303,024.39
1,322,569.75
1,342,408.30
1,362,544.42
1,382,982.59
1,403,727.33
1,424,783.24
1,446,154.99
1,467,847.31
1,489,865.02
1,512,213.00
1,534,896.19
1,557,919.64
1,581,288.43
1,605,007.76
1,629,082.87
1,653,519.12
1,678,321.90
1,703,496.73
1,729,049.18
1,754,984.92

607,249.81
589,638.91
571,763.85
553,620.66
535,205.33
516,513.76
497,541.82
478,285.31
458,739.94
438,901.39
418,765.27
398,327.10
377,582.36
356,526.45
335,154.71
313,462.38
291,444.67
269,096.70
246,413.50
223,390.06
200,021.26
176,301.94
152,226.82
127,790.58
102,987.79
77,812.96
52,260.51
26,324.77

1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69
1,781,309.69

saldo
60,000,000.00
60,900,000.00
61,813,500.00
62,740,702.50
63,681,813.04
64,637,040.23
65,606,595.84
64,809,385.08
64,000,216.16
63,178,909.71
62,345,283.66
61,499,153.22
60,640,330.83
59,768,626.09
58,883,845.79
57,985,793.78
57,074,271.00
56,149,075.37
55,210,001.80
54,256,842.14
53,289,385.07
52,307,416.16
51,310,717.70
50,299,068.78
49,272,245.11
48,230,019.10
47,172,159.69
46,098,432.39
45,008,599.18
43,902,418.47
42,779,645.06
41,640,030.04
40,483,320.79

39,309,260.91
38,117,590.13
36,908,044.29
35,680,355.26
34,434,250.89
33,169,454.96
31,885,687.09
30,582,662.71
29,260,092.95
27,917,684.65
26,555,140.23
25,172,157.64
23,768,430.31
22,343,647.07
20,897,492.08
19,429,644.77
17,939,779.74
16,427,566.74
14,892,670.55
13,334,750.92
11,753,462.48
10,148,454.73
8,519,371.85
6,865,852.74
5,187,530.83
3,484,034.10
1,754,984.92
0.00

UNIVERSIDAD PILOTO DE COLOMBIA


TABLA DE AMORTIZACION CON PERIODO DE GRACIA Y ABONOS EXTRAORDINARIOS
PRESTAMO
TASA
PLAZO
PER. GRACIA
INCREMENTO

60,000,000.00
1.5%
60
1

RELACION DE ABONOS EXTRAORDINARIOS


PERIODO
VALOR
VPAE
0
12
500,000.00
$ 418,193.71
24
1,000,000.00
$ 699,543.92
36
1,500,000.00
$ 877,634.60
48
2,000,000.00
$ 978,723.39
60
2,500,000.00
$ 1,023,239.92
TOTAL
$ 3,997,335.54
VALOR CUOTA
PERIODO

$ 1,458,590.85

CAPITAL
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

545,090.85
553,267.21
561,566.22
569,989.71
578,539.56
587,217.65
596,025.92
604,966.30
614,040.80
623,251.41
1,132,600.18
649,589.18
659,333.02
669,223.02
679,261.36
689,450.28
699,792.04
710,288.92
720,943.25
731,757.40

INTERESES
900,000.00
913,500.00
905,323.64
897,024.63
888,601.14
880,051.29
871,373.20
862,564.93
853,624.54
844,550.05
835,339.44
825,990.67
809,001.66
799,257.83
789,367.83
779,329.48
769,140.56
758,798.81
748,301.93
737,647.60
726,833.45

CUOTA
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,958,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85

SALDO
60,000,000.00
60,900,000.00
60,354,909.15
59,801,641.94
59,240,075.72
58,670,086.01
58,091,546.45
57,504,328.80
56,908,302.89
56,303,336.58
55,689,295.78
55,066,044.37
53,933,444.19
53,283,855.01
52,624,521.98
51,955,298.97
51,276,037.60
50,586,587.32
49,886,795.28
49,176,506.36
48,455,563.11
47,723,805.71

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

742,733.76
753,874.77
1,765,182.89
791,660.63
803,535.54
815,588.58
827,822.40
840,239.74
852,843.34
865,635.99
878,620.53
891,799.83
905,176.83
918,754.48
2,432,535.80
969,023.84
983,559.20
998,312.58
1,013,287.27
1,028,486.58
1,043,913.88
1,059,572.59
1,075,466.18
1,091,598.17
1,107,972.14
1,124,591.73
3,141,460.60
1,188,582.51
1,206,411.25
1,224,507.42
1,242,875.03
1,261,518.15
1,280,440.93
1,299,647.54
1,319,142.25
1,338,929.39
1,359,013.33
1,379,398.53
3,900,089.51

715,857.09
704,716.08
693,407.96
666,930.21
655,055.30
643,002.27
630,768.44
618,351.11
605,747.51
592,954.86
579,970.32
566,791.01
553,414.02
539,836.36
526,055.05
489,567.01
475,031.65
460,278.26
445,303.57
430,104.27
414,676.97
399,018.26
383,124.67
366,992.68
350,618.70
333,999.12
317,130.25
270,008.34
252,179.60
234,083.43
215,715.82
197,072.69
178,149.92
158,943.31
139,448.59
119,661.46
99,577.52
79,192.32
58,501.34

1,458,590.85
1,458,590.85
2,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
2,958,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
3,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
1,458,590.85
3,958,590.85

46,981,071.95
46,227,197.18
44,462,014.29
43,670,353.65
42,866,818.11
42,051,229.54
41,223,407.13
40,383,167.39
39,530,324.05
38,664,688.07
37,786,067.54
36,894,267.70
35,989,090.87
35,070,336.39
32,637,800.59
31,668,776.75
30,685,217.55
29,686,904.97
28,673,617.69
27,645,131.11
26,601,217.23
25,541,644.64
24,466,178.46
23,374,580.29
22,266,608.15
21,142,016.42
18,000,555.82
16,811,973.31
15,605,562.06
14,381,054.65
13,138,179.62
11,876,661.46
10,596,220.54
9,296,573.00
7,977,430.75
6,638,501.36
5,279,488.03
3,900,089.51
0.00

TABLA DE AMORTIZACION - GRADIENTE LINEAL O ARITMETICO

Prstamo
Tasa
Plazo
Incremento
Aritmtico
PERIODO

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34

60,000,000
2.0%
60
20,000
CAPITAL

52,155.90
73,199.02
94,663.00
116,556.26
138,887.38
161,665.13
184,898.43
208,596.40
232,768.33
257,423.70
282,572.17
308,223.61
334,388.09
361,075.85
388,297.36
416,063.31
444,384.58
473,272.27
502,737.71
532,792.47
563,448.32
594,717.28
626,611.63
659,143.86
692,326.74
726,173.28
760,696.74
795,910.68
831,828.89
868,465.47
905,834.78
943,951.47
982,830.50
1,022,487.11

INTERESES

1,200,000.00
1,198,956.88
1,197,492.90
1,195,599.64
1,193,268.52
1,190,490.77
1,187,257.47
1,183,559.50
1,179,387.57
1,174,732.20
1,169,583.73
1,163,932.29
1,157,767.81
1,151,080.05
1,143,858.53
1,136,092.59
1,127,771.32
1,118,883.63
1,109,418.18
1,099,363.43
1,088,707.58
1,077,438.61
1,065,544.27
1,053,012.04
1,039,829.16
1,025,982.62
1,011,459.16
996,245.22
980,327.01
963,690.43
946,321.12
928,204.43
909,325.40
889,668.79

CUOTA

1,252,155.90
1,272,155.90
1,292,155.90
1,312,155.90
1,332,155.90
1,352,155.90
1,372,155.90
1,392,155.90
1,412,155.90
1,432,155.90
1,452,155.90
1,472,155.90
1,492,155.90
1,512,155.90
1,532,155.90
1,552,155.90
1,572,155.90
1,592,155.90
1,612,155.90
1,632,155.90
1,652,155.90
1,672,155.90
1,692,155.90
1,712,155.90
1,732,155.90
1,752,155.90
1,772,155.90
1,792,155.90
1,812,155.90
1,832,155.90
1,852,155.90
1,872,155.90
1,892,155.90
1,912,155.90

35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

1,062,936.85
1,104,195.59
1,146,279.50
1,189,205.09
1,232,989.19
1,277,648.98
1,323,201.96
1,369,666.00
1,417,059.32
1,465,400.50
1,514,708.51
1,565,002.68
1,616,302.74
1,668,628.79
1,722,001.37
1,776,441.39
1,831,970.22
1,888,609.63
1,946,381.82
2,005,309.46
2,065,415.65
2,126,723.96
2,189,258.44
2,253,043.61
2,318,104.48
2,384,466.57

869,219.05
847,960.31
825,876.40
802,950.81
779,166.71
754,506.92
728,953.94
702,489.90
675,096.58
646,755.40
617,447.39
587,153.22
555,853.16
523,527.11
490,154.53
455,714.50
420,185.68
383,546.27
345,774.08
306,846.44
266,740.25
225,431.94
182,897.46
139,112.29
94,051.42
47,689.33

1,932,155.90
1,952,155.90
1,972,155.90
1,992,155.90
2,012,155.90
2,032,155.90
2,052,155.90
2,072,155.90
2,092,155.90
2,112,155.90
2,132,155.90
2,152,155.90
2,172,155.90
2,192,155.90
2,212,155.90
2,232,155.90
2,252,155.90
2,272,155.90
2,292,155.90
2,312,155.90
2,332,155.90
2,352,155.90
2,372,155.90
2,392,155.90
2,412,155.90
2,432,155.90

O ARITMETICO

SALDO

60,000,000.00
59,947,844.10
59,874,645.08
59,779,982.09
59,663,425.83
59,524,538.45
59,362,873.32
59,177,974.88
58,969,378.48
58,736,610.15
58,479,186.46
58,196,614.29
57,888,390.67
57,554,002.59
57,192,926.74
56,804,629.38
56,388,566.06
55,944,181.49
55,470,909.22
54,968,171.50
54,435,379.03
53,871,930.72
53,277,213.43
52,650,601.80
51,991,457.94
51,299,131.20
50,572,957.92
49,812,261.18
49,016,350.51
48,184,521.62
47,316,056.15
46,410,221.37
45,466,269.90
44,483,439.40
43,460,952.29

42,398,015.44
41,293,819.85
40,147,540.34
38,958,335.25
37,725,346.06
36,447,697.08
35,124,495.12
33,754,829.13
32,337,769.81
30,872,369.31
29,357,660.79
27,792,658.11
26,176,355.37
24,507,726.58
22,785,725.21
21,009,283.82
19,177,313.60
17,288,703.97
15,342,322.15
13,337,012.69
11,271,597.05
9,144,873.09
6,955,614.65
4,702,571.05
2,384,466.57
0.00

VPGL

Intereses relacionados