Calculo de Creditos Concedidos en Setiempre2013

PRSTAMO: PAGO 12 CUOTAS AL AO
Formula Cuota mensual
150,000,000
130.00%
1
22,920,954.10
125,051,449.19
Capital solicitado
Tipo de inters nominal:
Plazo en aos
Cuota a pagar mensualmente
Total intereses pagados
Total pagado al final del prstamo
Totales: Gs
Periodo pago (meses)
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
12 meses
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
275,051,449.19
275,051,449.19
Pago mensual
Gs
125,051,449.19
Intereses
Gs
150,000,000.00
Capital menual abonado
Capital amortizado
Capital pendiente
1
2
3
4
5
0
22,920,954.10
22,920,954.10
22,920,954.10
22,920,954.10
22,920,954.10
16,250,000.00
15,527,313.31
14,726,335.55
13,838,585.21
12,854,661.91
6,670,954.10
7,393,640.79
8,194,618.55
9,082,368.89
10,066,292.18
0.00
6,670,954.10
14,064,594.89
22,259,213.44
31,341,582.33
41,407,874.51
150,000,000.00
143,329,045.90
135,935,405.11
127,740,786.56
118,658,417.67
108,592,125.49
6
7
8
9
10
11
12
22,920,954.10
22,920,954.10
22,920,954.10
22,920,954.10
22,920,954.10
22,920,954.10
22,920,954.10
11,764,146.93
10,555,492.82
9,215,901.18
7,731,187.11
6,085,629.02
11,156,807.17
12,365,461.28
13,705,052.92
15,189,766.99
16,835,325.08
18,659,151.96
20,680,560.09
52,564,681.68
64,930,142.97
78,635,195.89
93,824,962.87
110,660,287.95
129,319,439.91
150,000,000.00
97,435,318.32
85,069,857.03
71,364,804.11
56,175,037.13
39,339,712.05
20,680,560.09
0.00
4,261,802.14
2,240,394.01
Capital
150,000,000
Gs
22,920,954.10
Gs
17,753,844.51
Gs
16,660,733.28
130.50%
Gs
22,966,681.74
Gs
17,807,329.30
Gs
16,719,133.34
Gs
23,012,447.47
Gs
17,860,863.91
Gs
16,777,572.39
Gs
23,058,251.23
Gs
17,914,448.12
Gs
16,836,050.10
Gs
23,104,092.96
Gs
17,968,081.69
Gs
16,894,566.13
Gs
23,149,972.59
Gs
18,021,764.40
Gs
16,953,120.17
Gs
23,195,890.07
Gs
18,075,496.03
Gs
17,011,711.86
Gs
23,241,845.32
Gs
18,129,276.34
Gs
17,070,340.90
Gs
23,287,838.29
Gs
18,183,105.11
Gs
17,129,006.95
131.00%
131.50%
132.00%
132.50%
inters compuesto
345,000,000.00
133.00%
133.50%
134.00%
Comisionista: Daniela Gmez
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
=PAGO(inters/perodo;pagos;-capital)
Gs 0.00
150,000,000
3.50%
1
12
12
12,738,244.48
Aos: 1
Cuotas Mensuales
+D4/12)Ê5-1)
%
Inters
anual
130.00%
Aos: 2
Aos: 3
uota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

Aos: 4
Aos: 5
Aos: 6
Aos: 7
Aos: 8
Aos: 9
Gs
16,367,436.12
Gs
16,284,004.59
Gs
16,259,882.09
Gs
16,252,874.86
Gs
16,250,836.60
Gs
16,250,243.48
Gs
16,428,265.01
Gs
16,345,872.61
Gs
16,322,155.08
Gs
16,315,296.21
Gs
16,313,310.05
Gs
16,312,734.69
Gs
16,489,117.05
Gs
16,407,752.20
Gs
16,384,433.25
Gs
16,377,719.70
Gs
16,375,784.35
Gs
16,375,226.22
Gs
16,549,991.94
Gs
16,469,643.17
Gs
16,446,716.47
Gs
16,440,145.28
Gs
16,438,259.46
Gs
16,437,718.06
Gs
16,610,889.37
Gs
16,531,545.30
Gs
16,509,004.64
Gs
16,502,572.89
Gs
16,500,735.36
Gs
16,500,210.19
Gs
16,671,809.04
Gs
16,593,458.41
Gs
16,571,297.65
Gs
16,565,002.48
Gs
16,563,212.02
Gs
16,562,702.60
Gs
16,732,750.67
Gs
16,655,382.28
Gs
16,633,595.38
Gs
16,627,433.98
Gs
16,625,689.42
Gs
16,625,195.29
Gs
16,793,713.96
Gs
16,717,316.74
Gs
16,695,897.73
Gs
16,689,867.36
Gs
16,688,167.54
Gs
16,687,688.25
Gs
16,854,698.63
Gs
16,779,261.58
Gs
16,758,204.60
Gs
16,752,302.55
Gs
16,750,646.36
Gs
16,750,181.45
PRSTAMO: PAGO 12 CUOTAS AL

1,000,000
Capital solicitado
Plazo en aos
Totales:
82.39%
1
125,000.47
500,005.69
1,500,005.69
Gs 1,500,005.69
Gs 500,005.69
Pago mensual
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
125,000.47
68,654.17
64,785.76
60,651.77
56,233.96
51,512.85
46,467.62
41,076.01
35,314.25
29,156.92
22,576.86
15,545.05
8,030.48
O: PAGO 12 CUOTAS AL AO
=-PAGO(D4/12;D5*12;D3)
TAE: 121.84%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
1,000,000
Gs 1,000,000.00
Capital amortizado
Capital pendiente
0.00
1,000,000.00
56,346.31
60,214.72
64,348.71
68,766.51
73,487.62
78,532.85
83,924.46
89,686.22
95,843.56
102,423.62
109,455.43
116,970.00
56,346.31
116,561.02
180,909.73
249,676.24
323,163.87
401,696.72
485,621.18
575,307.40
671,150.96
773,574.58
883,030.00
1,000,000.00
943,653.69
883,438.98
819,090.27
750,323.76
676,836.13
598,303.28
514,378.82
424,692.60
328,849.04
226,425.42
116,970.00
0.00
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
% Inters
anual
Gs
125,000.47
82.89%
Gs
125,279.25
Gs
125,558.33
Gs
125,837.69
1,823,850.00
85.39%
85.89%
86.39%
isionista: Daniela Gmez
ital
s
e pagos anuales
l pagos
o mensual
GO(inters/perodo;pagos;-capital)
83.89%
84.39%
84.89%
1,000,000
3.50%
1
12
12
84,921.63
Cuotas Mensuales
82.39%
83.39%
inters compuesto
Aos: 1
Gs
126,117.35
Gs
126,397.30
Gs
126,677.54
Gs
126,958.07
Gs
127,238.89
Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

Aos: 2
Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
86,161.54
Gs
75,576.42
Gs
71,610.77
Gs
69,956.12
Gs
69,235.00
Gs
68,914.78
Gs
86,479.10
Gs
75,928.42
Gs
71,987.91
Gs
70,349.84
Gs
69,638.88
Gs
69,324.55
Gs
86,797.15
Gs
76,280.95
Gs
72,365.55
Gs
70,743.95
Gs
70,043.04
Gs
69,734.49
Gs
87,115.69
Gs
76,634.03
Gs
72,743.66
Gs
71,138.44
Gs
70,447.46
Gs
70,144.62
Gs
87,434.71
Gs
76,987.64
Gs
73,122.26
Gs
71,533.30
Gs
70,852.14
Gs
70,554.91
Gs
87,754.21
Gs
77,341.78
Gs
73,501.33
Gs
71,928.52
Gs
71,257.08
Gs
70,965.36
Gs
88,074.20
Gs
77,696.46
Gs
73,880.86
Gs
72,324.11
Gs
71,662.27
Gs
71,375.98
Gs
88,394.66
Gs
78,051.66
Gs
74,260.87
Gs
72,720.05
Gs
72,067.70
Gs
71,786.75
Gs
88,715.60
Gs
78,407.38
Gs
74,641.33
Gs
73,116.34
Gs
72,473.37
Gs
72,197.68
Aos: 8
Aos: 9
10
Gs
68,771.40
Gs
68,706.96
Gs
68,677.95
Gs
69,184.44
Gs
69,121.76
Gs
69,093.67
Gs
69,597.58
Gs
69,536.62
Gs
69,509.43
Gs
70,010.84
Gs
69,951.54
Gs
69,925.22
Gs
70,424.20
Gs
70,366.53
Gs
70,341.04
Gs
70,837.66
Gs
70,781.57
Gs
70,756.90
Gs
71,251.22
Gs
71,196.67
Gs
71,172.79
Gs
71,664.87
Gs
71,611.83
Gs
71,588.71
Gs
72,078.62
Gs
72,027.04
Gs
72,004.66

11,000,000
Capital solicitado
Plazo en aos
Totales:
130.00%
1
1,680,869.97
9,170,439.61
TAE: 243.59%
12 meses
20,170,439.61
Gs 20,170,439.61
Gs 9,170,439.61
Pago mensual
Intereses
Gs 11,000,000.00
Capital menual
abonado
1
2
3
4
5
6
7
8
9
10
11
12
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,680,869.97
1,191,666.67
1,138,669.64
1,079,931.27
1,014,829.58
942,675.21
862,704.11
774,069.47
675,832.75
566,953.72
446,279.46
312,532.16
164,295.56
489,203.30
542,200.32
600,938.69
666,040.39
738,194.76
818,165.86
906,800.49
1,005,037.21
1,113,916.25
1,234,590.51
1,368,337.81
1,516,574.41
UOTAS AL AO
=-PAGO(D4/12;D5*12;D3)
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
Capital
inters compuesto
11,000,000
Capital
amortizado
0.00
489,203.30
###
###
###
###
###
###
5,766,581.03
6,880,497.28
8,115,087.78
9,483,425.59
11,000,000.00
25,300,000.00
Capital pendiente
11,000,000.00
10,510,796.70
9,968,596.37
9,367,657.68
8,701,617.30
7,963,422.54
7,145,256.68
6,238,456.18
5,233,418.97
4,119,502.72
2,884,912.22
1,516,574.41
0.00
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
11,000,000
3.50%
1
12
12
934,137.93
Cuota a pagar mensu
% Inters
anual
Aos: 2
Gs
1,680,869.97
Gs
1,301,948.60
130.50%
Gs
1,684,223.33
Gs
1,305,870.82
Gs
1,687,579.48
Gs
1,309,796.69
Gs
1,690,938.42
Gs
1,313,726.20
Gs
1,694,300.15
Gs
1,317,659.32
Gs
1,697,664.66
Gs
1,321,596.06
Gs
1,701,031.94
Gs
1,325,536.38
Gs
1,704,401.99
Gs
1,329,480.26
Gs
1,707,774.81
Gs
1,333,427.71
131.50%
132.00%
132.50%
133.00%
133.50%
134.00%
Cuotas Mensuales
130.00%
131.00%
Gs 0.00
Aos: 1

Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
1,221,787.11
Gs
1,200,278.65
Gs
1,194,160.34
Gs
1,192,391.35
Gs
1,191,877.49
Gs
1,226,069.78
Gs
1,204,739.43
Gs
1,198,697.32
Gs
1,196,958.04
Gs
1,196,455.06
Gs
1,230,355.31
Gs
1,209,201.92
Gs
1,203,235.16
Gs
1,201,525.10
Gs
1,201,032.78
Gs
1,234,643.67
Gs
1,213,666.08
Gs
1,207,773.83
Gs
1,206,092.54
Gs
1,205,610.65
Gs
1,238,934.85
Gs
1,218,131.89
Gs
1,212,313.32
Gs
1,210,660.34
Gs
1,210,188.68
Gs
1,243,228.81
Gs
1,222,599.33
Gs
1,216,853.62
Gs
1,215,228.49
Gs
1,214,766.85
Gs
1,247,525.54
Gs
1,227,068.38
Gs
1,221,394.70
Gs
1,219,796.99
Gs
1,219,345.16
Gs
1,251,825.00
Gs
1,231,539.02
Gs
1,225,936.56
Gs
1,224,365.83
Gs
1,223,923.61
Gs
1,256,127.18
Gs
1,236,011.23
Gs
1,230,479.18
Gs
1,228,935.00
Gs
1,228,502.19
Aos: 8
Aos: 9
10
Gs
1,191,728.02
Gs
1,191,684.52
Gs
1,191,671.86
Gs
1,196,309.40
Gs
1,196,267.21
Gs
1,196,254.99
Gs
1,200,890.85
Gs
1,200,849.92
Gs
1,200,838.12
Gs
1,205,472.36
Gs
1,205,432.66
Gs
1,205,421.26
Gs
1,210,053.93
Gs
1,210,015.41
Gs
1,210,004.41
Gs
1,214,635.55
Gs
1,214,598.19
Gs
1,214,587.56
Gs
1,219,217.22
Gs
1,219,180.99
Gs
1,219,170.72
Gs
1,223,798.95
Gs
1,223,763.80
Gs
1,223,753.89
Gs
1,228,380.73
Gs
1,228,346.64
Gs
1,228,337.07
PRSTAMO: PAGO 12 CUOTAS AL A

12,748,463
Capital solicitado
Plazo en aos
Totales: Gs
23,376,554.22
Pago mensual
130.00%
1
1,948,046.18
10,628,091.55
23,376,554.22
Gs
10,628,091.55
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,948,046.18
1,381,083.46
1,319,662.49
1,251,587.59
1,176,137.91
1,092,514.52
999,831.92
897,108.71
783,257.15
657,071.67
517,216.10
362,209.50
190,410.53
MO: PAGO 12 CUOTAS AL AO

=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
Gs
12,748,463
12,748,462.67
Capital amortizado
Capital pendiente
0.00
566,962.73
628,383.69
696,458.59
771,908.27
855,531.67
948,214.26
1,050,937.48
1,164,789.04
1,290,974.52
1,430,830.09
1,585,836.68
1,757,635.66
566,962.73
1,195,346.42
1,891,805.01
2,663,713.28
3,519,244.95
4,467,459.21
12,748,462.67
12,181,499.94
11,553,116.25
10,856,657.66
10,084,749.39
9,229,217.72
8,281,003.46
7,230,065.98
6,065,276.94
5,518,396.69
6,683,185.73
7,974,160.24
9,404,990.33
10,990,827.01
12,748,462.67
4,774,302.43
3,343,472.34
1,757,635.66
0.00
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
% Inters
anual
Gs
1,948,046.18
130.50%
Gs
1,951,932.57
Gs
1,955,822.18
Gs
1,959,715.03
131.50%
132.00%
132.50%
29,321,464.14
133.00%
133.50%
134.00%
ital
s
e pagos anuales
l pagos
o mensual
Gs 0.00
12,748,463
3.50%
1
12
12
1,082,620.23
Cuotas Mensuales
130.00%
131.00%
inters compuesto
Aos: 1
Gs
1,963,611.11
Gs
1,967,510.41
Gs
1,971,412.92
Gs
1,975,318.65
Gs
1,979,227.58

Aos: 2
Aos: 3
Aos: 4
Aos: 5
Aos: 6
Gs
1,508,894.83
Gs
1,415,991.58
Gs
1,391,064.32
Gs
1,383,973.50
Gs
1,381,923.33
Gs
1,513,440.49
Gs
1,420,954.98
Gs
1,396,234.15
Gs
1,389,231.64
Gs
1,387,215.90
Gs
1,517,990.38
Gs
1,425,921.70
Gs
1,401,405.95
Gs
1,394,490.78
Gs
1,392,508.90
Gs
1,522,544.49
Gs
1,430,891.71
Gs
1,406,579.70
Gs
1,399,750.87
Gs
1,397,802.34
Gs
1,527,102.79
Gs
1,435,864.97
Gs
1,411,755.35
Gs
1,405,011.92
Gs
1,403,096.20
Gs
1,531,665.27
Gs
1,440,841.46
Gs
1,416,932.90
Gs
1,410,273.90
Gs
1,408,390.46
Gs
1,536,231.91
Gs
1,445,821.16
Gs
1,422,112.32
Gs
1,415,536.80
Gs
1,413,685.13
Gs
1,540,802.68
Gs
1,450,804.03
Gs
1,427,293.57
Gs
1,420,800.59
Gs
1,418,980.19
Gs
1,545,377.58
Gs
1,455,790.04
Gs
1,432,476.64
Gs
1,426,065.27
Gs
1,424,275.64
os anuales
Aos: 7
Aos: 8
Aos: 9
10
Gs
1,381,327.79
Gs
1,381,154.56
Gs
1,381,104.15
Gs
1,381,089.48
Gs
1,386,632.96
Gs
1,386,464.16
Gs
1,386,415.26
Gs
1,386,401.09
Gs
1,391,938.32
Gs
1,391,773.84
Gs
1,391,726.40
Gs
1,391,712.72
Gs
1,397,243.86
Gs
1,397,083.58
Gs
1,397,037.57
Gs
1,397,024.36
Gs
1,402,549.56
Gs
1,402,393.39
Gs
1,402,348.76
Gs
1,402,336.00
Gs
1,407,855.44
Gs
1,407,703.27
Gs
1,407,659.97
Gs
1,407,647.65
Gs
1,413,161.48
Gs
1,413,013.21
Gs
1,412,971.21
Gs
1,412,959.31
Gs
1,418,467.67
Gs
1,418,323.21
Gs
1,418,282.47
Gs
1,418,270.98
Gs
1,423,774.02
Gs
1,423,633.27
Gs
1,423,593.75
Gs
1,423,582.66
PRSTAMO: PAGO 12 CUOTAS AL A

20,547,509
Capital solicitado
Plazo en aos
Totales: Gs
37,677,480.41
Pago mensual
130.00%
1
3,139,790.03
17,129,971.65
TAE: 243.59%
12 meses
37,677,480.41
Gs
17,129,971.65
Intereses
Gs
20,547,508.76
1
2
3
4
5
6
7
8
9
10
11
12
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
3,139,790.03
2,225,980.12
2,126,984.04
2,017,263.39
1,895,656.34
1,760,875.19
1,611,492.75
1,445,927.21
1,262,425.40
1,059,044.23
833,630.10
583,796.11
306,896.77
913,809.92
1,012,805.99
1,122,526.64
1,244,133.70
1,378,914.85
1,528,297.29
1,693,862.83
1,877,364.63
2,080,745.80
2,306,159.93
2,555,993.92
2,832,893.26
UOTAS AL AO
=-PAGO(D4/12;D5*12;D3)
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
Capital
inters compuesto
20,547,509
Capital amortizado
Capital pendiente
0.00
20,547,508.76
19,633,698.84
18,620,892.85
17,498,366.20
16,254,232.51
14,875,317.66
13,347,020.38
11,653,157.55
9,775,792.92
7,695,047.12
5,388,887.19
913,809.92
1,926,615.91
3,049,142.55
4,293,276.25
5,672,191.09
7,200,488.38
8,894,351.21
10,771,715.84
12,852,461.64
15,158,621.57
17,714,615.49
20,547,508.76
2,832,893.26
0.00
47,259,270.14
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
20,547,509
3.50%
1
12
12
1,744,927.93
Cuota a pagar mensualm
% Inters
anual
Aos: 2
Gs
3,139,790.03
Gs
2,431,981.84
130.50%
Gs
3,146,053.96
Gs
2,439,308.36
Gs
3,152,323.11
Gs
2,446,641.72
Gs
3,158,597.46
Gs
2,453,981.86
Gs
3,164,877.02
Gs
2,461,328.77
Gs
3,171,161.76
Gs
2,468,682.41
Gs
3,177,451.70
Gs
2,476,042.75
Gs
3,183,746.80
Gs
2,483,409.76
Gs
3,190,047.07
Gs
2,490,783.41
131.50%
132.00%
132.50%
133.00%
133.50%
134.00%
Cuotas Mensuales
130.00%
131.00%
Gs 0.00
Aos: 1

Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
2,282,243.75
Gs
2,242,066.91
Gs
2,230,638.18
Gs
2,227,333.80
Gs
2,226,373.92
Gs
2,290,243.59
Gs
2,250,399.46
Gs
2,239,113.07
Gs
2,235,864.16
Gs
2,234,924.61
Gs
2,298,248.77
Gs
2,258,735.18
Gs
2,247,589.55
Gs
2,244,395.24
Gs
2,243,475.59
Gs
2,306,259.25
Gs
2,267,074.03
Gs
2,256,067.58
Gs
2,252,927.00
Gs
2,252,026.86
Gs
2,314,274.97
Gs
2,275,415.96
Gs
2,264,547.15
Gs
2,261,459.45
Gs
2,260,578.41
Gs
2,322,295.90
Gs
2,283,760.95
Gs
2,273,028.21
Gs
2,269,992.56
Gs
2,269,130.22
Gs
2,330,321.99
Gs
2,292,108.94
Gs
2,281,510.76
Gs
2,278,526.31
Gs
2,277,682.30
Gs
2,338,353.19
Gs
2,300,459.90
Gs
2,289,994.75
Gs
2,287,060.70
Gs
2,286,234.64
Gs
2,346,389.47
Gs
2,308,813.78
Gs
2,298,480.16
Gs
2,295,595.71
Gs
2,294,787.22
Aos: 8
Aos: 9
10
Gs
2,226,094.72
Gs
2,226,013.47
Gs
2,225,989.82
Gs
2,234,652.54
Gs
2,234,573.73
Gs
2,234,550.89
Gs
2,243,210.48
Gs
2,243,134.03
Gs
2,243,111.98
Gs
2,251,768.53
Gs
2,251,694.37
Gs
2,251,673.08
Gs
2,260,326.69
Gs
2,260,254.76
Gs
2,260,234.19
Gs
2,268,884.96
Gs
2,268,815.18
Gs
2,268,795.32
Gs
2,277,443.33
Gs
2,277,375.64
Gs
2,277,356.47
Gs
2,286,001.79
Gs
2,285,936.14
Gs
2,285,917.62
Gs
2,294,560.35
Gs
2,294,496.67
Gs
2,294,478.79

23,687,299
Capital solicitado
Plazo en aos
Totales: Gs
43,434,839.07
Pago mensual
130.00%
1
3,619,569.92
19,747,540.28
43,434,839.07
Gs
19,747,540.28
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
3,619,569.92
2,566,124.04
2,452,000.73
2,325,514.07
2,185,324.68
2,029,948.12
1,857,739.09
1,666,874.08
1,455,332.03
1,220,872.93
961,014.09
673,003.87
353,792.55
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
Gs
23,687,299
23,687,298.79
1,053,445.89
1,167,569.19
1,294,055.85
1,434,245.24
1,589,621.80
1,761,830.83
1,952,695.84
2,164,237.89
2,398,696.99
2,658,555.84
2,946,566.05
3,265,777.37
inters compuesto
Capital
amortizado
0.00
###
###
###
###
6,538,937.97
8,300,768.81
10,253,464.65
12,417,702.54
14,816,399.53
17,474,955.37
20,421,521.42
23,687,298.79
Capital
pendiente
23,687,298.79
22,633,852.90
21,466,283.71
20,172,227.86
18,737,982.62
17,148,360.82
15,386,529.99
13,433,834.14
11,269,596.25
8,870,899.26
6,212,343.42
###
0.00
54,480,787.22
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
Cuota a p
% Inters
anual
3,619,569.92
Gs
2,803,604.13
130.50%
Gs
3,626,791.02
Gs
2,812,050.20
Gs
3,634,018.13
Gs
2,820,504.13
Gs
3,641,251.24
Gs
2,828,965.90
Gs
3,648,490.36
Gs
2,837,435.46
Gs
3,655,735.45
Gs
2,845,912.79
Gs
3,662,986.53
Gs
2,854,397.83
Gs
3,670,243.56
Gs
2,862,890.57
Gs
3,677,506.56
Gs
2,871,390.96
pagos;-capital)
133.00%
133.50%
134.00%
Gs 100,000.00
23,687,299
3.50%
1
12
12
2,011,564.02
Cuotas Mensuales
Gs
131.50%
132.00%
132.50%
54,480,787.22
Aos: 2
130.00%
131.00%
inters compuesto
Aos: 1

Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
2,630,985.12
Gs
2,584,669.00
Gs
2,571,493.88
Gs
2,567,684.57
Gs
2,566,578.02
Gs
2,640,207.38
Gs
2,594,274.81
Gs
2,581,263.79
Gs
2,577,518.43
Gs
2,576,435.31
Gs
2,649,435.80
Gs
2,603,884.28
Gs
2,591,035.53
Gs
2,587,353.11
Gs
2,586,292.93
Gs
2,658,670.33
Gs
2,613,497.36
Gs
2,600,809.06
Gs
2,597,188.58
Gs
2,596,150.89
Gs
2,667,910.91
Gs
2,623,114.00
Gs
2,610,584.35
Gs
2,607,024.84
Gs
2,606,009.17
Gs
2,677,157.49
Gs
2,632,734.15
Gs
2,620,361.38
Gs
2,616,861.86
Gs
2,615,867.75
Gs
2,686,410.01
Gs
2,642,357.76
Gs
2,630,140.11
Gs
2,626,699.62
Gs
2,625,726.65
Gs
2,695,668.44
Gs
2,651,984.80
Gs
2,639,920.51
Gs
2,636,538.12
Gs
2,635,585.83
Gs
2,704,932.70
Gs
2,661,615.22
Gs
2,649,702.55
Gs
2,646,377.33
Gs
2,645,445.31
Aos: 8
Aos: 9
10
Gs
2,566,256.15
Gs
2,566,162.48
Gs
2,566,135.23
Gs
2,576,121.66
Gs
2,576,030.80
Gs
2,576,004.48
Gs
2,585,987.31
Gs
2,585,899.18
Gs
2,585,873.76
Gs
2,595,853.09
Gs
2,595,767.59
Gs
2,595,743.05
Gs
2,605,718.99
Gs
2,605,636.06
Gs
2,605,612.35
Gs
2,615,585.01
Gs
2,615,504.57
Gs
2,615,481.68
Gs
2,625,451.15
Gs
2,625,373.12
Gs
2,625,351.02
Gs
2,635,317.41
Gs
2,635,241.72
Gs
2,635,220.37
Gs
2,645,183.77
Gs
2,645,110.35
Gs
2,645,089.74

27,306,869
Capital solicitado
Plazo en aos
Totales: Gs
50,071,958.75
Pago mensual
130.00%
1
4,172,663.23
22,765,090.04
TAE: 243.59%
12 meses
50,071,958.75
Gs
22,765,090.04
Intereses
Gs
27,306,868.71
1
2
3
4
5
6
7
8
9
10
11
12
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
4,172,663.23
2,958,244.11
2,826,682.04
2,680,867.41
2,519,256.20
2,340,137.10
2,141,613.44
1,921,583.04
1,677,716.02
1,407,430.08
1,107,863.15
775,843.14
407,854.30
1,214,419.12
1,345,981.19
1,491,795.82
1,653,407.03
1,832,526.13
2,031,049.79
2,251,080.19
2,494,947.21
2,765,233.15
3,064,800.08
3,396,820.09
3,764,808.93
OTAS AL AO
=-PAGO(D4/12;D5*12;D3)
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
Capital
inters compuesto
27,306,869
Capital
amortizado
0.00
###
###
###
5,705,603.16
7,538,129.29
9,569,179.08
11,820,259.26
14,315,206.47
17,080,439.62
20,145,239.70
23,542,059.78
27,306,868.71
Capital
pendiente
27,306,868.71
26,092,449.59
24,746,468.41
23,254,672.59
21,601,265.55
19,768,739.43
17,737,689.64
15,486,609.45
12,991,662.24
10,226,429.09
7,161,629.01
###
0.00
62,805,798.04
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
27,306,869
3.50%
1
12
12
2,318,943.80
Cuota a pagar mensualmen
% Inters
anual
Aos: 2
Aos: 3
Gs
4,172,663.23
Gs
3,232,012.67
Gs
3,033,016.38
130.50%
Gs
4,180,987.75
Gs
3,241,749.36
Gs
3,043,647.86
Gs
4,189,319.21
Gs
3,251,495.11
Gs
3,054,286.44
Gs
4,197,657.59
Gs
3,261,249.89
Gs
3,064,932.06
Gs
4,206,002.89
Gs
3,271,013.65
Gs
3,075,584.66
Gs
4,214,355.08
Gs
3,280,786.36
Gs
3,086,244.18
Gs
4,222,714.17
Gs
3,290,567.98
Gs
3,096,910.55
Gs
4,231,080.13
Gs
3,300,358.46
Gs
3,107,583.72
Gs
4,239,452.95
Gs
3,310,157.76
Gs
3,118,263.63
131.50%
132.00%
132.50%
133.00%
133.50%
134.00%
Cuotas Mensuales
130.00%
131.00%
Gs 50,000.00
Aos: 1
ta a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

Aos: 4
Aos: 5
Aos: 6
Aos: 7
Aos: 8
Gs
2,979,622.86
Gs
2,964,434.50
Gs
2,960,043.10
Gs
2,958,767.47
Gs
2,958,396.41
Gs
2,990,696.51
Gs
2,975,697.32
Gs
2,971,379.64
Gs
2,970,131.01
Gs
2,969,769.44
Gs
3,001,774.36
Gs
2,986,962.24
Gs
2,982,717.12
Gs
2,981,494.95
Gs
2,981,142.62
Gs
3,012,856.38
Gs
2,998,229.23
Gs
2,994,055.52
Gs
2,992,859.26
Gs
2,992,515.95
Gs
3,023,942.50
Gs
3,009,498.25
Gs
3,005,394.82
Gs
3,004,223.94
Gs
3,003,889.43
Gs
3,035,032.67
Gs
3,020,769.27
Gs
3,016,735.00
Gs
3,015,588.99
Gs
3,015,263.04
Gs
3,046,126.84
Gs
3,032,042.25
Gs
3,028,076.04
Gs
3,026,954.38
Gs
3,026,636.79
Gs
3,057,224.95
Gs
3,043,317.16
Gs
3,039,417.92
Gs
3,038,320.11
Gs
3,038,010.67
Gs
3,068,326.95
Gs
3,054,593.95
Gs
3,050,760.62
Gs
3,049,686.18
Gs
3,049,384.67
Aos: 9
10
Gs
2,958,288.43
Gs
2,958,257.01
Gs
2,969,664.70
Gs
2,969,634.35
Gs
2,981,041.02
Gs
2,981,011.71
Gs
2,992,417.39
Gs
2,992,389.09
Gs
3,003,793.82
Gs
3,003,766.50
Gs
3,015,170.30
Gs
3,015,143.92
Gs
3,026,546.83
Gs
3,026,521.35
Gs
3,037,923.41
Gs
3,037,898.81
Gs
3,049,300.04
Gs
3,049,276.28

31,479,532
Capital solicitado
Plazo en aos
Totales: Gs
57,723,272.54
Pago mensual
130.00%
1
4,810,272.71
26,243,740.60
57,723,272.54
Gs
26,243,740.60
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
4,810,272.71
3,410,282.63
3,258,617.03
3,090,521.00
2,904,214.57
2,697,724.94
2,468,865.59
2,215,213.16
1,934,081.70
1,622,494.34
1,277,151.69
894,396.91
470,177.03
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
Gs
31,479,532
31,479,531.94
1,399,990.08
1,551,655.68
1,719,751.71
1,906,058.14
2,112,547.78
2,341,407.12
2,595,059.56
2,876,191.01
3,187,778.37
3,533,121.02
3,915,875.80
4,340,095.68
inters compuesto
Capital
amortizado
0.00
###
###
###
6,577,455.61
8,690,003.39
11,031,410.51
13,626,470.06
16,502,661.07
19,690,439.44
23,223,560.46
27,139,436.26
31,479,531.94
Capital
pendiente
31,479,531.94
30,079,541.86
28,527,886.18
26,808,134.47
24,902,076.33
22,789,528.55
20,448,121.44
17,853,061.88
14,976,870.87
11,789,092.50
8,255,971.48
###
0.00
72,402,923.47
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
Cuota a pa
% Inters
anual
4,810,272.71
Gs
3,725,884.77
130.50%
Gs
4,819,869.28
Gs
3,737,109.28
Gs
4,829,473.83
Gs
3,748,344.24
Gs
4,839,086.37
Gs
3,759,589.61
Gs
4,848,706.88
Gs
3,770,845.34
Gs
4,858,335.34
Gs
3,782,111.39
Gs
4,867,971.75
Gs
3,793,387.70
Gs
4,877,616.08
Gs
3,804,674.22
Gs
4,887,268.33
Gs
3,815,970.92
pagos;-capital)
133.00%
133.50%
134.00%
Gs 50,000.00
31,479,532
3.50%
1
12
12
2,673,293.16
Cuotas Mensuales
Gs
131.50%
132.00%
132.50%
72,402,923.47
Aos: 2
130.00%
131.00%
inters compuesto
Aos: 1

Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
3,496,480.57
Gs
3,434,928.19
Gs
3,417,418.95
Gs
3,412,356.52
Gs
3,410,885.96
Gs
3,508,736.61
Gs
3,447,693.95
Gs
3,430,402.79
Gs
3,425,425.35
Gs
3,423,985.92
Gs
3,521,000.84
Gs
3,460,464.58
Gs
3,443,389.06
Gs
3,438,495.26
Gs
3,437,086.34
Gs
3,533,273.18
Gs
3,473,240.00
Gs
3,456,377.72
Gs
3,451,566.24
Gs
3,450,187.19
Gs
3,545,553.56
Gs
3,486,020.15
Gs
3,469,368.72
Gs
3,464,638.26
Gs
3,463,288.47
Gs
3,557,841.92
Gs
3,498,804.97
Gs
3,482,362.03
Gs
3,477,711.29
Gs
3,476,390.16
Gs
3,570,138.18
Gs
3,511,594.39
Gs
3,495,357.59
Gs
3,490,785.31
Gs
3,489,492.26
Gs
3,582,442.28
Gs
3,524,388.37
Gs
3,508,355.38
Gs
3,503,860.31
Gs
3,502,594.75
Gs
3,594,754.14
Gs
3,537,186.83
Gs
3,521,355.34
Gs
3,516,936.25
Gs
3,515,697.62
Aos: 8
Aos: 9
10
Gs
3,410,458.20
Gs
3,410,333.72
Gs
3,410,297.50
Gs
3,423,569.10
Gs
3,423,448.35
Gs
3,423,413.37
Gs
3,436,680.18
Gs
3,436,563.05
Gs
3,436,529.26
Gs
3,449,791.42
Gs
3,449,677.80
Gs
3,449,645.18
Gs
3,462,902.84
Gs
3,462,792.62
Gs
3,462,761.12
Gs
3,476,014.41
Gs
3,475,907.50
Gs
3,475,877.08
Gs
3,489,126.14
Gs
3,489,022.44
Gs
3,488,993.07
Gs
3,502,238.02
Gs
3,502,137.43
Gs
3,502,109.07
Gs
3,515,350.05
Gs
3,515,252.48
Gs
3,515,225.09

36,289,805
Capital solicitado
Plazo en aos
Totales: Gs
66,543,755.74
Pago mensual
130.00%
1
5,545,312.98
30,253,951.09
TAE: 243.59%
12 meses
66,543,755.74
Gs
30,253,951.09
Intereses
Gs
36,289,804.65
1
2
3
4
5
6
7
8
9
10
11
12
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
5,545,312.98
3,931,395.50
3,756,554.44
3,562,772.27
3,347,997.03
3,109,954.47
2,846,123.96
2,553,711.82
2,229,621.69
1,870,421.80
1,472,308.59
1,031,066.45
542,023.07
1,613,917.47
1,788,758.53
1,982,540.71
2,197,315.95
2,435,358.51
2,699,189.02
2,991,601.16
3,315,691.29
3,674,891.18
4,073,004.39
4,514,246.53
5,003,289.91
OTAS AL AO
=-PAGO(D4/12;D5*12;D3)
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
Capital
inters compuesto
36,289,805
Capital
amortizado
0.00
###
###
5,385,216.72
7,582,532.67
10,017,891.18
12,717,080.20
15,708,681.36
19,024,372.65
22,699,263.83
26,772,268.22
31,286,514.75
36,289,804.65
Capital
pendiente
36,289,804.65
34,675,887.18
32,887,128.65
30,904,587.94
28,707,271.99
26,271,913.47
23,572,724.45
20,581,123.29
17,265,432.00
13,590,540.83
9,517,536.44
5,003,289.91
0.00
83,466,550.70
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
36,289,805
3.50%
1
12
12
3,081,789.36
% Inters
anual
Aos: 2
Aos: 3
Gs
5,545,312.98
Gs
4,295,223.66
Gs
4,030,765.04
130.50%
Gs
5,556,375.96
Gs
4,308,163.34
Gs
4,044,893.88
Gs
5,567,448.16
Gs
4,321,115.08
Gs
4,059,032.16
Gs
5,578,529.55
Gs
4,334,078.82
Gs
4,073,179.79
Gs
5,589,620.14
Gs
4,347,054.50
Gs
4,087,336.70
Gs
5,600,719.89
Gs
4,360,042.06
Gs
4,101,502.79
Gs
5,611,828.80
Gs
4,373,041.47
Gs
4,115,678.00
Gs
5,622,946.84
Gs
4,386,052.65
Gs
4,129,862.24
Gs
5,634,074.02
Gs
4,399,075.55
Gs
4,144,055.44
131.50%
132.00%
132.50%
133.00%
133.50%
134.00%
Cuotas Mensuales
130.00%
131.00%
Gs 100,000.00
Aos: 1

Aos: 4
Aos: 5
Aos: 6
Aos: 7
Aos: 8
Gs
3,959,807.06
Gs
3,939,622.30
Gs
3,933,786.30
Gs
3,932,091.03
Gs
3,931,597.90
Gs
3,974,523.52
Gs
3,954,590.16
Gs
3,948,852.13
Gs
3,947,192.75
Gs
3,946,712.23
Gs
3,989,245.58
Gs
3,969,560.82
Gs
3,963,919.21
Gs
3,962,294.99
Gs
3,961,826.77
Gs
4,003,973.16
Gs
3,984,534.22
Gs
3,978,987.52
Gs
3,977,397.74
Gs
3,976,941.50
Gs
4,018,706.20
Gs
3,999,510.33
Gs
3,994,057.02
Gs
3,992,500.98
Gs
3,992,056.42
Gs
4,033,444.62
Gs
4,014,489.09
Gs
4,009,127.70
Gs
4,007,604.69
Gs
4,007,171.52
Gs
4,048,188.35
Gs
4,029,470.46
Gs
4,024,199.51
Gs
4,022,708.87
Gs
4,022,286.81
Gs
4,062,937.33
Gs
4,044,454.39
Gs
4,039,272.45
Gs
4,037,813.51
Gs
4,037,402.27
Gs
4,077,691.47
Gs
4,059,440.83
Gs
4,054,346.48
Gs
4,052,918.58
Gs
4,052,517.89
Aos: 9
10
Gs
3,931,454.41
Gs
3,931,412.65
Gs
3,946,573.04
Gs
3,946,532.71
Gs
3,961,691.74
Gs
3,961,652.79
Gs
3,976,810.51
Gs
3,976,772.91
Gs
3,991,929.36
Gs
3,991,893.05
Gs
4,007,048.28
Gs
4,007,013.21
Gs
4,022,167.26
Gs
4,022,133.40
Gs
4,037,286.31
Gs
4,037,253.61
Gs
4,052,405.42
Gs
4,052,373.84

41,835,118
Capital solicitado
Plazo en aos
Totales: Gs
76,712,064.88
Pago mensual
130.00%
1
6,392,672.07
34,876,947.25
76,712,064.88
Gs
34,876,947.25
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
6,392,672.07
4,532,137.74
4,330,579.86
4,107,186.53
3,859,592.27
3,585,175.29
3,281,029.80
2,943,935.22
2,570,322.07
2,156,234.15
1,697,286.71
1,188,619.96
624,847.65
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
Gs
41,835,118
41,835,117.63
1,860,534.33
2,062,092.22
2,285,485.54
2,533,079.81
2,807,496.78
3,111,642.27
3,448,736.85
3,822,350.01
4,236,437.92
4,695,385.37
5,204,052.11
5,767,824.43
inters compuesto
Capital
amortizado
0.00
###
###
6,208,112.08
8,741,191.89
11,548,688.67
14,660,330.94
18,109,067.79
21,931,417.80
26,167,855.72
30,863,241.09
36,067,293.21
41,835,117.63
Capital
pendiente
41,835,117.63
39,974,583.30
37,912,491.09
35,627,005.55
33,093,925.74
30,286,428.96
27,174,786.69
23,726,049.84
19,903,699.83
15,667,261.91
10,971,876.54
5,767,824.43
0.00
96,220,770.55
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
Cuota a pag
% Inters
anual
6,392,672.07
Gs
4,951,561.16
130.50%
Gs
6,405,425.55
Gs
4,966,478.11
Gs
6,418,189.65
Gs
4,981,408.95
Gs
6,430,964.35
Gs
4,996,353.63
Gs
6,443,749.65
Gs
5,011,312.07
Gs
6,456,545.51
Gs
5,026,284.22
Gs
6,469,351.93
Gs
5,041,270.02
Gs
6,482,168.89
Gs
5,056,269.39
Gs
6,494,996.36
Gs
5,071,282.27
pagos;-capital)
133.00%
133.50%
134.00%
Gs 50,000.00
41,835,118
3.50%
1
12
12
3,552,706.37
Cuotas Mensuales
Gs
131.50%
132.00%
132.50%
96,220,770.55
Aos: 2
130.00%
131.00%
inters compuesto
Aos: 1

Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
4,646,691.58
Gs
4,564,890.77
Gs
4,541,621.65
Gs
4,534,893.87
Gs
4,532,939.54
Gs
4,662,979.40
Gs
4,581,856.00
Gs
4,558,876.69
Gs
4,552,261.85
Gs
4,550,348.91
Gs
4,679,278.10
Gs
4,598,827.68
Gs
4,576,134.96
Gs
4,569,631.28
Gs
4,567,758.87
Gs
4,695,587.58
Gs
4,615,805.73
Gs
4,593,396.40
Gs
4,587,002.12
Gs
4,585,169.41
Gs
4,711,907.74
Gs
4,632,790.07
Gs
4,610,660.95
Gs
4,604,374.34
Gs
4,602,580.52
Gs
4,728,238.51
Gs
4,649,780.62
Gs
4,627,928.56
Gs
4,621,747.91
Gs
4,619,992.18
Gs
4,744,579.78
Gs
4,666,777.28
Gs
4,645,199.18
Gs
4,639,122.80
Gs
4,637,404.38
Gs
4,760,931.46
Gs
4,683,779.99
Gs
4,662,472.75
Gs
4,656,498.97
Gs
4,654,817.09
Gs
4,777,293.47
Gs
4,700,788.66
Gs
4,679,749.21
Gs
4,673,876.41
Gs
4,672,230.32
Aos: 8
Aos: 9
10
Gs
4,532,371.07
Gs
4,532,205.65
Gs
4,532,157.51
Gs
4,549,794.97
Gs
4,549,634.50
Gs
4,549,588.01
Gs
4,567,219.10
Gs
4,567,063.43
Gs
4,567,018.54
Gs
4,584,643.45
Gs
4,584,492.46
Gs
4,584,449.10
Gs
4,602,068.03
Gs
4,601,921.56
Gs
4,601,879.70
Gs
4,619,492.82
Gs
4,619,350.74
Gs
4,619,310.32
Gs
4,636,917.82
Gs
4,636,780.00
Gs
4,636,740.97
Gs
4,654,343.01
Gs
4,654,209.34
Gs
4,654,171.64
Gs
4,671,768.40
Gs
4,671,638.74
Gs
4,671,602.34

48,227,790
Capital solicitado
Plazo en aos
Totales: Gs
88,434,156.33
Pago mensual
130.00%
1
7,369,513.03
40,206,366.63
88,434,156.33
Gs
40,206,366.63
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
7,369,513.03
5,224,677.22
4,992,320.01
4,734,790.76
4,449,362.52
4,133,012.88
3,782,392.03
3,393,787.25
2,963,083.63
2,485,720.44
1,956,642.91
1,370,248.65
720,328.34
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
Gs
48,227,790
48,227,789.71
2,144,835.81
2,377,193.02
2,634,722.27
2,920,150.51
3,236,500.15
3,587,121.00
3,975,725.78
4,406,429.40
4,883,792.59
5,412,870.12
5,999,264.38
6,649,184.69
inters compuesto
Capital
amortizado
0.00
###
###
7,156,751.10
10,076,901.61
13,313,401.76
16,900,522.76
20,876,248.54
25,282,677.94
30,166,470.52
35,579,340.64
41,578,605.02
48,227,789.71
Capital
pendiente
48,227,789.71
46,082,953.90
43,705,760.87
41,071,038.61
38,150,888.10
34,914,387.94
31,327,266.94
27,351,541.17
22,945,111.77
18,061,319.18
12,648,449.07
6,649,184.69
0.00
110,923,916.32
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
% Inters
anual
7,369,513.03
Gs
5,708,191.20
130.50%
Gs
7,384,215.31
Gs
5,725,387.55
Gs
7,398,929.85
Gs
5,742,599.93
Gs
7,413,656.61
Gs
5,759,828.24
Gs
7,428,395.58
Gs
5,777,072.43
Gs
7,443,146.73
Gs
5,794,332.42
Gs
7,457,910.05
Gs
5,811,608.14
Gs
7,472,685.52
Gs
5,828,899.51
Gs
7,487,473.12
Gs
5,846,206.46
pagos;-capital)
133.00%
133.50%
134.00%
Gs 50,000.00
48,227,790
3.50%
1
12
12
4,095,582.51
Cuotas Mensuales
Gs
131.50%
132.00%
132.50%
110,923,916.32
Aos: 2
130.00%
131.00%
inters compuesto
Aos: 1

Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Aos: 8
Gs
5,356,735.61
Gs
5,262,435.12
Gs
5,235,610.33
Gs
5,227,854.49
Gs
5,225,601.54
Gs
5,224,946.20
Gs
5,375,512.31
Gs
5,281,992.74
Gs
5,255,502.04
Gs
5,247,876.42
Gs
5,245,671.16
Gs
5,245,032.58
Gs
5,394,301.55
Gs
5,301,557.80
Gs
5,275,397.49
Gs
5,267,900.01
Gs
5,265,741.48
Gs
5,265,119.23
Gs
5,413,103.22
Gs
5,321,130.21
Gs
5,295,296.58
Gs
5,287,925.22
Gs
5,285,812.46
Gs
5,285,206.13
Gs
5,431,917.22
Gs
5,340,709.86
Gs
5,315,199.27
Gs
5,307,952.03
Gs
5,305,884.10
Gs
5,305,293.30
Gs
5,450,743.43
Gs
5,360,296.67
Gs
5,335,105.48
Gs
5,327,980.39
Gs
5,325,956.37
Gs
5,325,380.71
Gs
5,469,581.75
Gs
5,379,890.54
Gs
5,355,015.16
Gs
5,348,010.27
Gs
5,346,029.26
Gs
5,345,468.35
Gs
5,488,432.07
Gs
5,399,491.37
Gs
5,374,928.24
Gs
5,368,041.63
Gs
5,366,102.75
Gs
5,365,556.23
Gs
5,507,294.30
Gs
5,419,099.07
Gs
5,394,844.66
Gs
5,388,074.45
Gs
5,386,176.83
Gs
5,385,644.33
Aos: 9
10
Gs
5,224,755.50
Gs
5,224,700.00
Gs
5,244,847.59
Gs
5,244,793.99
Gs
5,264,939.78
Gs
5,264,888.02
Gs
5,285,032.06
Gs
5,284,982.09
Gs
5,305,124.45
Gs
5,305,076.18
Gs
5,325,216.92
Gs
5,325,170.32
Gs
5,345,309.48
Gs
5,345,264.48
Gs
5,365,402.13
Gs
5,365,358.67
Gs
5,385,494.86
Gs
5,385,452.90

55,597,303
Capital solicitado
Plazo en aos
Totales: Gs
101,947,457.92
Pago mensual
130.00%
1
8,495,621.49
46,350,155.19
TAE: 243.59%
12 meses
101,947,457.92
Gs
46,350,155.19
Intereses
Gs 55,597,302.73
Capital menual
abonado
1
2
3
4
5
6
7
8
9
10
11
12
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
8,495,621.49
6,023,041.13
5,755,178.26
5,458,296.91
5,129,253.41
4,764,563.53
4,360,365.59
3,912,379.53
3,415,861.65
2,865,554.34
2,255,630.39
1,579,631.36
830,399.09
2,472,580.36
2,740,443.24
3,037,324.59
3,366,368.08
3,731,057.96
4,135,255.91
4,583,241.96
5,079,759.84
5,630,067.16
6,239,991.10
6,915,990.14
7,665,222.40
UOTAS AL AO
=-PAGO(D4/12;D5*12;D3)
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
Capital
inters compuesto
55,597,303
Capital
amortizado
0.00
###
5,213,023.60
8,250,348.19
11,616,716.27
15,347,774.23
19,483,030.14
24,066,272.10
29,146,031.94
34,776,099.10
41,016,090.20
47,932,080.33
55,597,302.73
Capital
pendiente
55,597,302.73
53,124,722.37
50,384,279.13
47,346,954.55
43,980,586.46
40,249,528.50
36,114,272.60
31,531,030.63
26,451,270.79
20,821,203.63
14,581,212.54
7,665,222.40
0.00
127,873,796.29
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
55,597,303
3.50%
1
12
12
4,721,413.56
Cuota a pagar mensualmente segn tabla
% Inters
anual
Aos: 2
Aos: 3
Gs
8,495,621.49
Gs
6,580,439.12
Gs
6,175,278.88
130.50%
Gs
8,512,570.38
Gs
6,600,263.19
Gs
6,196,924.78
Gs
8,529,533.39
Gs
6,620,105.72
Gs
6,218,585.14
Gs
8,546,510.50
Gs
6,639,966.64
Gs
6,240,259.83
Gs
8,563,501.67
Gs
6,659,845.85
Gs
6,261,948.72
Gs
8,580,506.90
Gs
6,679,743.28
Gs
6,283,651.69
Gs
8,597,526.15
Gs
6,699,658.83
Gs
6,305,368.63
Gs
8,614,559.40
Gs
6,719,592.43
Gs
6,327,099.41
Gs
8,631,606.64
Gs
6,739,544.00
Gs
6,348,843.90
131.50%
132.00%
132.50%
133.00%
133.50%
134.00%
Cuotas Mensuales
130.00%
131.00%
Gs 50,000.00
Aos: 1
a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

Aos: 4
Aos: 5
Aos: 6
Aos: 7
Aos: 8
Aos: 9
Gs
6,066,568.67
Gs
6,035,644.89
Gs
6,026,703.91
Gs
6,024,106.69
Gs
6,023,351.21
Gs
6,023,131.37
Gs
6,089,114.82
Gs
6,058,576.19
Gs
6,049,785.32
Gs
6,047,243.08
Gs
6,046,506.92
Gs
6,046,293.66
Gs
6,111,669.55
Gs
6,081,511.78
Gs
6,072,868.64
Gs
6,070,380.27
Gs
6,069,662.93
Gs
6,069,456.06
Gs
6,134,232.75
Gs
6,104,451.58
Gs
6,095,953.83
Gs
6,093,518.23
Gs
6,092,819.25
Gs
6,092,618.58
Gs
6,156,804.30
Gs
6,127,395.53
Gs
6,119,040.86
Gs
6,116,656.94
Gs
6,115,975.86
Gs
6,115,781.21
Gs
6,179,384.10
Gs
6,150,343.54
Gs
6,142,129.68
Gs
6,139,796.38
Gs
6,139,132.75
Gs
6,138,943.94
Gs
6,201,972.03
Gs
6,173,295.54
Gs
6,165,220.25
Gs
6,162,936.54
Gs
6,162,289.92
Gs
6,162,106.77
Gs
6,224,567.99
Gs
6,196,251.46
Gs
6,188,312.54
Gs
6,186,077.39
Gs
6,185,447.35
Gs
6,185,269.70
Gs
6,247,171.88
Gs
6,219,211.24
Gs
6,211,406.50
Gs
6,209,218.91
Gs
6,208,605.04
Gs
6,208,432.73
10
Gs
6,023,067.39
Gs
6,046,231.88
Gs
6,069,396.40
Gs
6,092,560.96
Gs
6,115,725.57
Gs
6,138,890.21
Gs
6,162,054.89
Gs
6,185,219.61
Gs
6,208,384.35
PRSTAMO: PAGO 12 CUOTAS

64,092,924
Capital solicitado
130.00%
1
9,793,806.50
53,432,753.72

Plazo en aos
Totales: Gs
117,525,677.94
117,525,677.94
Pago mensual
Gs
53,432,753.72
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
9,793,806.50
6,943,400.12
6,634,606.10
6,292,359.39
5,913,035.96
5,492,619.15
5,026,657.18
4,510,216.01
3,937,827.04
3,303,429.27
2,600,305.07
1,821,009.08
957,289.36
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Gs
64,092,924.23
Capital menual abonado Capital amortizado

0.00
2,850,406.37
3,159,200.39
3,501,447.10
3,880,770.54
4,301,187.35
4,767,149.31
5,283,590.49
5,855,979.46
6,490,377.23
7,193,501.43
7,972,797.42
8,836,517.14
2,850,406.37
6,009,606.76
9,511,053.87
13,391,824.41
17,693,011.76
22,460,161.07
27,743,751.55
33,599,731.01
40,090,108.24
47,283,609.67
55,256,407.09
64,092,924.23
Capital pendiente
64,092,924.23
61,242,517.86
58,083,317.46
54,581,870.36
50,701,099.82
46,399,912.47
41,632,763.16
36,349,172.67
30,493,193.22
24,002,815.99
16,809,314.56
8,836,517.14
0.00
% Inters
anual
130.00%
130.50%
131.00%
Capital
131.50%
132.00%
132.50%
inters compuesto
64,092,924
147,413,725.72
133.00%
133.50%
134.00%
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
Gs 50,000.00
64,092,924
3.50%
1
12
12
5,442,875.59
Cuota a pagar mensualmente segn tabla (aos y %

Aos: 1
Cuotas Mensuales
Gs 9,793,806.50
Aos: 2
Gs
7,585,972.07
Gs 7,608,825.38
Aos: 3
Aos: 4
Gs
7,118,900.77
Gs
6,993,578.95
Gs
7,143,854.31
Gs
7,019,570.30
Gs
9,813,345.28
Gs
9,832,900.35
Gs
7,631,699.98
Gs
7,168,824.50
Gs
7,045,571.53
Gs
9,852,471.66
Gs
7,654,595.77
Gs
7,193,811.22
Gs
7,071,582.53
Gs
9,872,059.20
Gs
7,677,512.66
Gs
7,218,814.31
Gs
7,097,603.16
Gs
9,891,662.93
Gs
7,700,450.54
Gs
7,243,833.64
Gs
7,123,633.29
Gs
9,911,282.83
Gs
7,723,409.31
Gs
7,268,869.06
Gs
7,149,672.81
Gs
9,930,918.87
Gs
7,746,388.90
Gs
7,293,920.44
Gs
7,175,721.58
Gs
9,950,571.03
Gs
7,769,389.19
Gs
7,318,987.63
Gs
7,201,779.48
mensualmente segn tabla (aos y %) 12 pagos anuales

Aos: 5
Aos: 6
Aos: 7
Aos: 8
Aos: 9
Gs
6,957,929.81
Gs
6,947,622.61
Gs
6,944,628.51
Gs
6,943,757.59
Gs
6,943,504.16
Gs
6,984,365.16
Gs
6,974,230.99
Gs
6,971,300.29
Gs
6,970,451.63
Gs
6,970,205.79
Gs
7,010,805.46
Gs
7,000,841.59
Gs
6,997,972.99
Gs
6,997,146.04
Gs
6,996,907.56
Gs
7,037,250.61
Gs
7,027,454.35
Gs
7,024,646.57
Gs
7,023,840.79
Gs
7,023,609.45
Gs
7,063,700.54
Gs
7,054,069.22
Gs
7,051,321.03
Gs
7,050,535.87
Gs
7,050,311.48
Gs
7,090,155.15
Gs
7,080,686.16
Gs
7,077,996.32
Gs
7,077,231.29
Gs
7,077,013.62
Gs
7,116,614.36
Gs
7,107,305.12
Gs
7,104,672.44
Gs
7,103,927.02
Gs
7,103,715.88
Gs
7,143,078.10
Gs
7,133,926.06
Gs
7,131,349.36
Gs
7,130,623.05
Gs
7,130,418.25
Gs
7,169,546.28
Gs
7,160,548.92
Gs
7,158,027.05
Gs
7,157,319.38
Gs
7,157,120.74
10
Gs
6,943,430.40
Gs
6,970,134.56
Gs
6,996,838.77
Gs
7,023,543.03
Gs
7,050,247.34
Gs
7,076,951.68
Gs
7,103,656.07
Gs
7,130,360.50
Gs
7,157,064.97
PRSTAMO: PAGO 12 CUOTAS

73,886,731
Capital solicitado
130.00%
1
11,290,362.42
61,597,618.35

Plazo en aos
Totales: Gs
135,484,349.07
135,484,349.07
Pago mensual
Gs
61,597,618.35
Intereses
1
2
3
4
5
6
7
8
9
10
11
12
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
11,290,362.42
8,004,395.83
7,648,416.11
7,253,871.93
6,816,585.46
6,331,926.29
5,794,762.37
5,199,405.70
4,539,552.06
3,808,214.27
2,997,648.22
2,099,270.85
1,103,569.26
=-PAGO(D4/12;D5*12;D3)
TAE: 243.59%
=(D3*(1+D4/12)Ê5*D4/12)/((1+D4/12)Ê5-1)
12 meses
Capital
Gs
73,886,731
73,886,730.72
Capital menual abonado Capital amortizado

0.00
3,285,966.59
3,641,946.31
4,036,490.49
4,473,776.96
4,958,436.13
5,495,600.05
6,090,956.72
6,750,810.36
7,482,148.15
8,292,714.20
9,191,091.58
10,186,793.16
3,285,966.59
6,927,912.90
10,964,403.40
15,438,180.36
20,396,616.49
25,892,216.54
31,983,173.26
38,733,983.62
46,216,131.78
54,508,845.98
63,699,937.56
73,886,730.72
Capital pendiente
73,886,730.72
70,600,764.13
66,958,817.82
62,922,327.33
58,448,550.36
53,490,114.23
47,994,514.18
41,903,557.46
35,152,747.10
27,670,598.94
19,377,884.74
10,186,793.16
0.00
Comisionista: Daniela Gme
Capital
Inters anual
Aos
N de pagos anuales
Total pagos
Pago mensual
=PAGO(inters/perodo;pagos;-ca
Cuota
Aos: 1
130.00%
Gs 11,290,362.42
130.50%
Gs 11,312,886.86
131.00%
131.50%
132.00%
132.50%
inters compuesto
169,939,480.66
133.00%
133.50%
134.00%
ital
s
e pagos anuales
l pagos
o mensual
Gs 50,000.00
73,886,731
3.50%
1
12
12
6,274,581.60
Cuotas Mensuales
% Inters
anual
Gs 11,335,430.06
Gs 11,357,992.00
Gs 11,380,572.63
Gs 11,403,171.94
Gs 11,425,789.89
Gs 11,448,426.44
Gs 11,471,081.58

Aos: 2
Aos: 3
Aos: 4
Aos: 5
Aos: 6
Aos: 7
Gs
8,745,156.86
Gs
8,206,714.09
Gs
8,062,242.30
Gs
8,021,145.75
Gs
8,009,263.53
Gs
8,005,811.92
Gs
8,771,502.30
Gs
8,235,480.68
Gs
8,092,205.29
Gs
8,051,620.59
Gs
8,039,937.85
Gs
8,036,559.32
Gs
8,797,872.28
Gs
8,264,266.49
Gs
8,122,179.68
Gs
8,082,101.13
Gs
8,070,614.72
Gs
8,067,307.77
Gs
8,824,266.69
Gs
8,293,071.33
Gs
8,152,165.32
Gs
8,112,587.27
Gs
8,101,294.07
Gs
8,098,057.25
Gs
8,850,685.42
Gs
8,321,895.06
Gs
8,182,162.06
Gs
8,143,078.91
Gs
8,131,975.87
Gs
8,128,807.73
Gs
8,877,128.36
Gs
8,350,737.50
Gs
8,212,169.77
Gs
8,173,575.95
Gs
8,162,660.05
Gs
8,159,559.18
Gs
8,903,595.38
Gs
8,379,598.49
Gs
8,242,188.29
Gs
8,204,078.31
Gs
8,193,346.55
Gs
8,190,311.58
Gs
8,930,086.39
Gs
8,408,477.88
Gs
8,272,217.47
Gs
8,234,585.87
Gs
8,224,035.33
Gs
8,221,064.90
Gs
8,956,601.27
Gs
8,437,375.50
Gs
8,302,257.19
Gs
8,265,098.55
Gs
8,254,726.34
Gs
8,251,819.12
Aos: 8
Aos: 9
10
Gs
8,004,807.92
Gs
8,004,515.76
Gs
8,004,430.73
Gs
8,035,580.98
Gs
8,035,297.57
Gs
8,035,215.46
Gs
8,066,354.46
Gs
8,066,079.54
Gs
8,066,000.24
Gs
8,097,128.33
Gs
8,096,861.65
Gs
8,096,785.08
Gs
8,127,902.60
Gs
8,127,643.91
Gs
8,127,569.97
Gs
8,158,677.24
Gs
8,158,426.32
Gs
8,158,354.92
Gs
8,189,452.25
Gs
8,189,208.85
Gs
8,189,139.91
Gs
8,220,227.61
Gs
8,219,991.52
Gs
8,219,924.94
Gs
8,251,003.31
Gs
8,250,774.31
Gs
8,250,710.02
Cuadro de Comisiones
Gs 0.00
Pago de cuota coop uni

125,000.47
Gastos Administrativos
5,877,361.02
Esta es la Evolucin de un solo ao, donde la Utilidad casi va de la mano con el capital,
Total de Utilidad a devengar

Gs 296,367,226.92
Total Desembolsado
Gs 355,894,593.16
Evolucion de crecimiento de capital

Cuotas cobradas
22,920,954.10
24,601,824.07
26,549,870.25
29,689,660.29
33,309,230.21
37,481,893.44
42,292,166.15
47,837,479.13
54,230,151.20
61,599,664.23
70,095,285.72
79,889,092.22
91,179,454.64
Nuevos desembolsos
16,918,592.61
18,599,462.57
20,547,508.76
23,687,298.79
27,306,868.71
31,479,531.94
36,289,804.65
41,835,117.63
48,227,789.71
55,597,302.73
64,092,924.23
73,886,730.72
85,177,093.15
a de la mano con el capital, es mas que evidente la utilidad que arroja y al mismo tiempo cubre sus Gastos de p
ubre sus Gastos de personal y crdito en la coop. Uni.

Calculo de Creditos Concedidos en Setiempre2013

Cargado por

Copyright:

Formatos disponibles

También podría gustarte

Calculo de Creditos Concedidos en Setiempre2013

Cargado por

Información del documento

Derechos de autor

Formatos disponibles

Compartir este documento

Compartir o incrustar documentos

Opciones para compartir

¿Le pareció útil este documento?

¿Este contenido es inapropiado?

Copyright:

Formatos disponibles

Calculo de Creditos Concedidos en Setiempre2013

Cargado por

Copyright:

Formatos disponibles

PRSTAMO: PAGO 12 CUOTAS AL AO

Formula Cuota mensual

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualmente

uota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL

Comisionista: Daniela Gmez

isionista: Daniela Gmez

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Comisionista: Daniela Gmez

Cuota a pagar mensu

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL A

MO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

isionista: Daniela Gmez

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL A

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualm

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualmen

ta a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualm

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Capital menual abonado

Comisionista: Daniela Gmez

Cuota a pagar mensualm

Cuota a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS AL AO

Comisionista: Daniela Gmez

Cuota a pagar mensualmente segn tabla

a pagar mensualmente segn tabla (aos y %) 12 pagos anuales

PRSTAMO: PAGO 12 CUOTAS

Tipo de inters nominal:

Capital menual abonado Capital amortizado