INVERSIONES INICIALES ANUAL

APORTACIN
CONCEPTO

DESCRIPCIN

INVERSIN
FIJA

UNIDAD

CANTIDAD

PRECIO

FONAES

GRUPO

($)

($)

TOTAL
($)

Local 60 m2

Metros

954

455.00

Cascada tubular

Pieza

40

35.00

1,400.00

1,400.00

Cascadas simples

Pieza

80

20.00

1,600.00

1,600.00

Malla .20 X 1.00 metro

Pieza

35

50.00

1,750.00

1,750.00

Malla .60 x 1.00 metros

Pieza

12

90.00

1,080.00

1,080.00

Malla reforzada 2.00 x 1.00 metro

Pieza

10

230.00

2,300.00

2,300.00

Exhibidor de zapatos

Pieza

150

12.00

1,800.00

1,800.00

Raquet para pantaln

Pieza

850.00

3,400.00

3,400.00

Fuentes c/a cascadas cada una

Pieza

600.00

3,000.00

3,000.00

Maniques

Pieza

1,400.00

5,600.00

5,600.00

Mostrador 2 1/2 metro x .90 x .60

Pieza

2,500.00

5,000.00

5,000.00

Techo lamina con Polin y plafn tabla roca

Metros

64

580.00

36,888.00

36,888.00

Yeso para muro

Metros

139.94

65.50

9,166.07

9,166.07

pintura segn yeso

Metros

139.94

35.50

4,967.87

4,967.87

madera ranurada

Pieza

10

600.00

6,000.00

6,000.00

Exhibidores para sombrero

Pieza

100

15.00

1,500.00

1,500.00

Piso hind Bombay 40 X 40

Metros

126

70.40

8,870.40

8,870.40

Adhesivo rpido gris

Saco

20

70.10

1,402.00

1,402.00

Boquilla sellador saco 10 kgs

Saco

76.47

458.82

458.82

Puerta doble Aluminio

Pieza

7,460.00

7,460.00

7,460.00

Cortina enrollable 2.90 x 2.50 mts

Pieza

5,472.00

5,472.00

5,472.00

Ventana de aluminio .50 x .50

Pieza

850.00

850.00

850.00

Material elctrico

Lote

6,752.36

6,752.36

6,752.36

Caja registradora mod. ER-380

Pieza

7,490.00

7,490.00

7,490.00

Scanner Heron

Pieza

2,950.00

2,950.00

2,950.00

Lam Acan C28

Pieza

15

565.44

8,481.60

8,481.60

Polin CC C14 6 X 6

Pieza

19

385.12

7,317.28

7,317.28

Pija 1/4 X 1

Pieza

400

0.56

224.00

SUBTOTAL

434,070.00

143,180.40

434,070.00

224.00
434,070.00

577,250.40

DIFERIDA
Instalacin Techo, plafn , Piso y Elctrico

15,950.00

SUBTOTAL

15,950.00
15,950.00

TOTALES

159,130.40

15,950.00
-

15,950.00

434,070.00

593,200.40

109,500.00

109,500.00

109,500.00

109,500.00

CAPITAL DE TRABAJO
COSTOS DE PRODUCCIN
COSTOS FIJOS
Mano de Obra

Salario/ao

1095

100.00

SUBTOTAL
COSTOS VARIABLES
Pantaln OGGI

Lote

21,350.40

21,350.40

21,350.40

Camisa

Lote

18,238.50

18,238.50

18,238.50

Pantaln Mezclilla Wrangler

Lote

36,585.00

36,585.00

36,585.00

Pantaln de Mezclilla Levis

Lote

42,870.00

42,870.00

Botas Reyme

Lote

11,025.00

10,000.00

Bota estilo Texas

Lote

Botas Estilo Roper

Lote

Bota Estilo Reyme Rodeo

Lote

Sombreros Rocha Hats

Lote

42,870.00
1,025.00

11,025.00

33,985.00

33,985.00

33,985.00

32,025.00

32,025.00

32,025.00

66,570.00

66,570.00

66,570.00

28,220.00

28,220.00

28,220.00

237,998.90

290,868.90

SUB TOTAL $

52,870.00

GASTOS DE ADMINISTRACIN
COSTOS VARIABLES
Luz Elctrica

KILO WATTS

250.00

1,500.00

1,500.00

Agua Potable

LITROS

12

170.00

2,040.00

2,040.00

Traslado

Viaje

1,500.00

3,000.00

3,000.00

SUB TOTAL
TOTALES

0.00

6,540.00

6,540.00

212,000.40

788,108.90

1,000,109.30

1,000,109.30

CAPITAL DE TRABAJO
ANUAL

CONCEPTO

INGRESOS
Ventas

552,650.91
552,650.91

674,234.11
674,234.11

822,565.61
822,565.61

1,003,530.05
1,003,530.05

EGRESOS

406,908.90

406,908.90

406,908.90

406,908.90

COSTOS DE PRODUCCIN
COSTOS FIJOS
Mano de Obra
COSTOS VARIABLES
Pantaln OGGI
Camisa
Pantaln Mezclilla Wrangler
Pantaln de Mezclilla Levis
Botas Reyme
Bota estilo Texas
Botas Estilo Roper
Bota Estilo Reyme Rodeo
Sombreros Rocha Hats
Luz Elctrica
Agua Potable
Traslado

406,908.90
109,500.00
109,500.00
297,408.90
21,350.40
18,238.50
36,585.00
42,870.00
11,025.00
33,985.00
32,025.00
66,570.00
28,220.00
1,500.00
2,040.00
3,000.00

406,908.90
109,500.00
109,500.00
297,408.90
21,350.40
18,238.50
36,585.00
42,870.00
11,025.00
33,985.00
32,025.00
66,570.00
28,220.00
1,500.00
2,040.00
3,000.00

406,908.90
109,500.00
109,500.00
297,408.90
21,350.40
18,238.50
36,585.00
42,870.00
11,025.00
33,985.00
32,025.00
66,570.00
28,220.00
1,500.00
2,040.00
3,000.00

406,908.90
109,500.00
109,500.00
297,408.90
21,350.40
18,238.50
36,585.00
42,870.00
11,025.00
33,985.00
32,025.00
66,570.00
28,220.00
1,500.00
2,040.00
3,000.00

FLUJO DE EFECTIVO
FLUJO ACUMULADO

145,742.01
145,742.01

267,325.21
413,067.22

415,656.71
828,723.93

596,621.15
1,425,345.08

CAPITAL DE TRABAJO ES

145,742.01

TOTAL

1,224,306.66
1,224,306.66

4,277,287.34

406,908.90

2,034,544.50

406,908.90
109,500.00
109,500.00
297,408.90
21,350.40
18,238.50
36,585.00
42,870.00
11,025.00
33,985.00
32,025.00
66,570.00
28,220.00
1,500.00
2,040.00
3,000.00

2,034,544.50
547,500.00
547,500.00
1,487,044.50
106,752.00
91,192.50
182,925.00
214,350.00
55,125.00
169,925.00
160,125.00
332,850.00
141,100.00
7,500.00
10,200.00
15,000.00

817,397.76
2,242,742.84

Mtodo de Recuperacin de la Inversin

Inversin Inicial:
Plazo aos:
Trema:

Ao
1
2
3
4
5

212,000.40
5
6.25%

Flujo de efectivo
145,742.01
267,325.21
415,656.71
596,621.15
817,397.76

Valor Presente Neto

137,168.95
236,800.19
346,535.70
468,147.70
603,654.93

Flujos acum.
137,168.95

Inversin Inicial:
Flujo acumulado positivo:

212,000.40
137,168.95
74,831.45

Para determinar los meses:

Por regla de 3
236,800.19
74,831.45
Para determinar los das:
0.79
30
23.76
Esto es que en:

12
3.79

3.00

1 aos
3 meses
24 das
recupero mi inversin de:
212,000.40

Suma
74,831.45

PROYECCIN FINANCIERA GRUPO SOCIAL NOVEDADES LAS DAMAS, MP

PROYECTO PRODUCTIVO " TIENDA DE ROPA"

DIFERIDA

FIJO
VARIABLE

GRUPO SOCIAL NOVEDADES LAS DAMAS, MPIO. CHIHUAHUA, CHI .

OYECTO PRODUCTIVO " TIENDA DE ROPA"

CONCEPTO

INVERSIN FIJA Y DIFERIDA

Local 60 m2
Cascada tubular
Cascadas simples
Malla .20 X 1.00 metro
Malla .60 x 1.00 metros
Malla reforzada 2.00 x 1.00 metro
Exhibidor de zapatos
Raquet para pantaln
Fuentes c/a cascadas cada una
Maniques
Mostrador 2 1/2 metro x .90 x .60
Techo lamina con Polin y plafn tabla roca
Yeso para muro
pintura segn yeso
madera ranurada
Exhibidores para sombrero
Piso hind Bombay 40 X 40
Adhesivo rpido gris
Boquilla sellador saco 10 kgs
Puerta doble Aluminio
Cortina enrollable 2.90 x 2.50 mts
Ventana de aluminio .50 x .50
Material elctrico
Caja registradora mod. ER-380
Scanner Heron
Lam Acan C28
Polin CC C14 6 X 6
Pija 1/4 X 1
Instalacin Techo, plafn , Piso y Elctrico
TOTAL
INVERSIN SOCIOS

CAPITAL DE TRABAJO:
Mano de Obra
Pantaln OGGI
Camisa
Pantaln Mezclilla Wrangler
Pantaln de Mezclilla Levis
Botas Reyme
Bota estilo Texas
Botas Estilo Roper

Bota Estilo Reyme Rodeo

Sombreros Rocha Hats
Luz Elctrica
Agua Potable
Traslado
TOTAL
TOTALINVERSIN/RECUPERACIN

DEPRECIACIONES, AMORTIZACIONES
VALOR

TASA
ANUAL
434,070.00
1,400.00
20%
1,600.00
20%
1,750.00
20%
1,080.00
20%
2,300.00
20%
1,800.00
20%
3,400.00
20%
3,000.00
20%
5,600.00
15%
5,000.00
20%
36,888.00
20%
9,166.07
20%
4,967.87
10%
6,000.00
10%
1,500.00
10%
8,870.40
10%
1,402.00
10%
458.82
10%
7,460.00
20%
5,472.00
20%
850.00
20%
6,752.36
20%
7,490.00
20%
2,950.00
20%
8,481.60
7,317.28
224.00
15,950.00 100.00%
593,200.40
434,070.00

$
$
$
$
$
$
$
$

109,500.00
21,350.40
18,238.50
36,585.00
42,870.00
11,025.00
33,985.00
32,025.00

CARGO
ANUAL

VALOR
RESIDUAL

0.00
280.00
320.00
350.00
216.00
460.00
360.00
680.00
600.00
840.00
1,000.00
7,377.60
1,833.21
496.79
600.00
150.00
887.04
140.20
45.88
1,492.00
1,094.40
170.00
1,350.47
1,498.00
590.00

434,070.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,400.00
0.00
0.00
0.00
2,483.94
3,000.00
750.00
4,435.20
701.00
229.41
0.00
0.00
0.00
0.00
0.00
0.00

15,950.00
38,781.60

0.00
447,069.55

109,500.00
21,350.40
18,238.50

$
$
$
$
$

66,570.00
28,220.00
1,500.00
2,040.00
3,000.00
406,908.90

152,628.90

1,000,109.30

153,329.90

1,500.00
2,040.00

CONCEPTO

VENTATOTAL

COSTOS FIJOS
COSTOS VARIABLES

COSTO TOTAL

PROYECCINDEING

INGRESOS ANUALES

COSTOS TOTALES
UTILIDAD DE OPERACIN
DEPRECIACIONES Y AMORTIZACIONES
UTILIDAD GRAVABLE
UTILIDAD NETA DEL PROYECTO
RECUPERACIN APOYO
CAPACIDAD DE PAGO REAL
UTILIDAD DE LA EMPRESA

PUNTO DE EQUILIBRIO
PUNTO EQUILIBRIO CANTIDAD

EVALUACINPROYECTO
CONCEPTO
UTILIDAD CON PROYECTO
UTILIDAD SIN EL PROYECTO
OTROS BENEFICIOS

INVERSIN TOTAL
VALOR RESIDUAL
INCREM. CAPITAL DE TRABAJO
REC. CAPITAL DE TRABAJO
FLUJO NETO EFECTIVO
TIR 26%

EVALUACIN DE LA EMPRESA

CONCEPTO
UTILIDAD CON PROYECTO
UTILIDAD SIN EL PROYECTO
OTROS BENEFICIOS
INVERSIONES REC. PROPIOS
VALOR RESIDUAL

INC. CAPITAL DE TRABAJO REC. PROPIOS

REC. CAPITAL DE TRABAJO

FLUJO NETO EFECTIVO
TIR 30%

VENTASYCOSTOS
AOS
2

552,650.91

674,234.11

822,565.61

1,003,530.05

1,224,306.66

109,500.00
297,408.90

109,500.00
297,408.90

109,500.00
297,408.90

109,500.00
297,408.90

109,500.00
297,408.90

406,908.90

406,908.90

406,908.90

406,908.90

406,908.90

PROYECCINDEINGRESOSYEGRESOS
ANUAL
1
2
3
552,650.91 $
674,234.11 $
822,565.61

4
1,003,530.05

5
1,224,306.66

406,908.90

406,908.90

406,908.90

145,742.01 $
12,922.58
132,819.43 $
132,819.43 $
42,400.08
3.13
90,419.35
42.90%
237,089.79

267,325.21 $
12,922.58
254,402.63 $
254,402.63 $
42,400.08
6.00
212,002.55
29.06%
195,922.76

415,656.71 $
12,922.58
402,734.13 $
402,734.13 $
42,400.08
9.50
360,334.05
20.85%
171,512.49

596,621.15 $
12,922.58
583,698.57 $
583,698.57 $
42,400.08
13.77
541,298.49
15.51%
155,619.95

817,397.76
12,922.58
804,475.18
804,475.18
42,400.08
18.97
762,075.10
11.81%
144,634.70

1
132,819.43
60,225.00

2
254,402.63
60,225.00

ANUAL
3
402,734.13
60,225.00

4
583,698.57
60,225.00

5
804,475.18
60,225.00

$
$

406,908.90

406,908.90

593,200.40
12,408.56
406,908.90
-1000109.30

194,177.63

342,509.13

523,473.57

145,742.01
902,400.75

1
90,419.35
60,225.00

2
212,002.55
60,225.00

ANUAL
3
360,334.05
60,225.00

4
541,298.49
60,225.00

5
762,075.10
60,225.00

434,070.00
12,408.56
406,908.90
-

810,784.55

151,777.55

300,109.05

481,073.49

145,742.01
860,000.67

EVALUACIN FINANCIERA

AO
0
1
2
3
4
5

INVERSIONES
1,000,109.30

VENTAS
552,650.91
674,234.11
822,565.61
1,003,530.05
1,224,306.66

COSTOS
406,908.90
406,908.90
406,908.90
406,908.90
406,908.90

TASAINTERNADERENDIMIENTO:

DEPR./AMORT.
38,781.60
38,781.60
38,781.60
38,781.60
38,781.60

RECUPERAC.

F.N.E.
(1,000,109.30)
184,523.61
306,106.81
454,438.31
635,402.74
856,179.36

Err:523

RELACIN BENEFICIO/COS
TASA CONSTANTE:
AO

TASA

FACTOR

0
1
2
3
4
5

0.00%
0.00%
0.00%
0.00%
0.00%
0.00%

1
0.909091
0.826446
0.751315
0.683013
0.620921

RELACIN BENEFICIO/COSTO:
VALOR PRESENTE NETO:

LACIN BENEFICIO/COSTO Y VALOR PRESENTE NETO

SI

10.00%
INGRESOS

EGRESOS

INGRESOS
DESCONT.

EGRESOS
DESCONT.

NEFICIO/COSTO:

0.00
591,432.51
713,015.71
861,347.21
1,042,311.64
1,263,088.26

1,000,109.30
406,908.90
406,908.90
406,908.90
406,908.90
406,908.90
SUMA:
1.3
727,654.59

0.00
537,665.97
589,268.98
647,143.08
711,912.40
784,278.02

1,000,109.30
369,917.22
336,288.23
305,716.76
277,924.07
252,658.28

3,270,268.45

2,542,613.86

FIN

MERCANCA A COMPRAR

290,868.90

PANTALN OGGI TALLAS 28 - 38

CONCEPTO
PANTALN OGGI HARD RING
PANTALN OGGI POWER BSICO
PANTALON AGCI STRONG BSICO
PANTALON AOGGI WINNER RING
TOTAL

CANTIDAD
PRECIO SUBTOTAL PRECIO VENTA
24
234.9
5,637.60
446.31
24
209.9
5,037.60
398.81
24
219.9
5,277.60
417.81
24
224.9
5,397.60
427.31
21,350.40

TOTAL
10,711.44
9,571.44
10,027.44
10,255.44
40,565.76

CAMISAS TALLA 30-42

CONCEPTO
CAMISA COLLORS RAYAS
CAMISA GANSO MANGA LARGA
CAMISA DOBA VAQUERA
CAMISA GANSO CUADROS
CAMISA FUROR
TOTAL

CANTIDAD
PRECIO SUBTOTAL PRECIO VENTA
21
178.9
3,756.90
339.91
21
189.9
3,987.90
360.81
21
139.9
2,937.90
265.81
21
169.9
3,567.90
322.81
21
189.9
3,987.90
360.81
18,238.50

TOTAL
7,138.11
7,577.01
5,582.01
6,779.01
7,577.01
34,653.15

PANTALON MEZCLILLA WRANGLER

CONCEPTO
PANTALON SUQUISOLLO, MOD 936WD
PANTALON STRECH, MOD. 937STR
PANTALON STRECH MOD. 938NAV
PANTALON NEGRO, MOD. 936WBK
TOTAL

CANTIDAD
PRECIO SUBTOTAL PRECIO VENTA
27
335
9,045.00
636.50
27
335
9,045.00
636.50
27
335
9,045.00
636.50
27
350
9,450.00
665.00
36,585.00

TOTAL
17,185.50
17,185.50
17,185.50
17,955.00
69,511.50

PANTALON MEZCLILLA LEVIS

CONCEPTO
PANTALON BLEACHED, MOD 501 0134
PANTALON NEGRO, MOD. 501 0660
PANTALON SUAVIZADO, MOD. 505 0216
PANTALON STONE, MOD. 505 4891
TOTAL

CANTIDAD
PRECIO SUBTOTAL PRECIO VENTA
27
431 11,637.00
818.90
33
359 11,847.00
682.10
27
359
9,693.00
682.10
27
359
9,693.00
682.10
42,870.00

TOTAL
22,110.30
22,509.30
18,416.70
18,416.70
81,453.00

venta anual

552,650.91

BOTAS REYME ESTILO RODEO

CONCEPTO
250 PUNTA CUADRADA
750 PUNTA OVAL
794 PUNTA OVAL
261 PUNTA CUADRADA

CANTIDAD
35
35
35
21
TOTAL

NUMERO
25-32
25-32
25-32
22-35

PRECIO
532.00
510.00
545.00
525.00

SUBTOTAL
PRECIO VENTA
TOTAL
18,620.00
1,010.80
35,378.00
17,850.00
969.00
33,915.00
19,075.00
1,035.50
36,242.50
11,025.00
997.50
20,947.50
66,570.00
126,483.00

BOTAS REYME ESTILO TEXAS

CONCEPTO
350 PUNTA OVAL
365 PUNTA OVAL

CANTIDAD
35
21

NUMERO
25-32
22-35

PRECIO
620.00
585.00

TOTAL

CONCEPTO
365 PUNTA OVAL
740 PUNTA OVAL

SUBTOTAL
PRECIO VENTA
21,700.00
1,178.00
12,285.00
1,111.50

33,985.00

BOTAS REYME ESTILO ROPER

CANTIDAD
NUMERO
PRECIO
35
35

25-32
25-32

430.00
485.00

TOTAL

SUBTOTAL
15,050.00
16,975.00

TOTAL
41,230.00
23,341.50

64,571.50

PRECIO VENTA
817.00
921.50

32,025.00

TOTAL
28,595.00
32,252.50

60,847.50

SOMBRERO ROCHA HATS

CONCEPTO
CANTIDAD
RANDADO CHIHUAHUA 50 X
20
RANDADO CHIHUAHUA 30 X
20
RANDADO CHIHUAHUA 100 X
20
RANDADO FILIPINO 100 X
20
BICOLO AMARILLO 100 X
20
RANDADO FILIPINO 350 X
20
TOTAL

CONCEPTO
261 PUNTA CUADRADA

BOTAS REYME
CANTIDAD
21

PRECIO
SUBTOTAL PRECIO VENTA
171
3,420.00
324.90
82
1,640.00
155.80
253
5,060.00
480.70
297
5,940.00
564.30
233
4,660.00
442.70
375
7,500.00
712.50
28,220.00

NUMERO
22-35

PRECIO
525.00

TOTAL
6,498.00
3,116.00
9,614.00
11,286.00
8,854.00
14,250.00
53,618.00

SUBTOTAL
PRECIO VENTA
11,025.00
997.50

TOTAL
20,947.50

Depreciaciones y amortizaciones
Depreciaciones
CONCEPTO

Importe

Vida til

% de
depreciacin
anual

Ao 1
Depreciacin
anual

Saldo

Depreciaciones
Cascada tubular

700

20%

140.00

560.00

Cascadas simples

680

20%

136.00

544.00

1,000

20%

200.00

800.00

Malla .20 X 1.00 metro

Malla .60 x 1.00 metros

270

20%

54.00

216.00

Malla reforzada 2.00 x 1.00 metro

1,380

20%

276.00

1,104.00

Exhibidor de zapatos

1,200

20%

240.00

960.00

Raquet para pantalon

2,550

20%

510.00

2,040.00

Fuentes c/a cascadas cada una

2,400

20%

480.00

1,920.00

Maniquies

8,400

15%

1,260.00

7,140.00

Mostrador 2 1/2 mtero x .90 x .60

2,500

20%

500.00

2,000.00

madera ranurada

3,600

20%

720.00

2,880.00

750

20%

150.00

600.00

2,137

10%

213.73

1,923.57

526

10%

52.57

473.12

Exhibidores para sombrero

Piso azulejo
Fija piso niasa gris
Boquilla Niassa chocolate

194

10%

19.41

174.72

Puerta doble Aluminio

7,460

10%

746.00

6,714.00

Cortina enrrollable 2.90 x 2.50 mts

9,450

10%

945.00

8,505.00

850

10%

85.00

765.00

Puerta doble Aluminio

7,460

20%

1,492.00

5,968.00

Cortina enrollable 2.90 x 2.50 mts

5,472

20%

1,094.40

4,377.60

Ventana de aluminio .50 x .50

Ventana de aluminio .50 x .50

850

20%

170.00

680.00

Material elctrico

6,752

20%

1,350.47

5,401.89

Caja registradora mod. ER-380

7,490

20%

1,498.00

5,992.00

Scanner Heron

2,950

20%

590.00

2,360.00

Subtotal Depreciaciones

12,922.58

Subtotal Amortizaciones
TOTAL DEPRECIACIONES Y AMORTIZACIONES

12,923

Depreciaciones y amortizaciones

Ao 2
Depreciacin
anual

Ao 3
Saldo

Depreciacin
anual

Ao 4
Saldo

Depreciacin
anual

Ao5
Saldo

Depreciacin
anual

Saldo

140.00

420.00

140.00

280.00

140.00

140.00

140.00

136.00

408.00

136.00

272.00

136.00

136.00

136.00

200.00

600.00

200.00

400.00

200.00

200.00

200.00

54.00

162.00

54.00

108.00

54.00

54.00

54.00

276.00

828.00

276.00

552.00

276.00

276.00

276.00

240.00

720.00

240.00

480.00

240.00

240.00

240.00

510.00

1,530.00

510.00

1,020.00

510.00

510.00

510.00

480.00

1,440.00

480.00

960.00

480.00

480.00

480.00

1,260.00

5,880.00

1,260.00

4,620.00

1,260.00

3,360.00

1,260.00

500.00

1,500.00

500.00

1,000.00

500.00

500.00

500.00

720.00

2,160.00

720.00

1,440.00

720.00

720.00

720.00

150.00

450.00

150.00

300.00

150.00

150.00

150.00

213.73

1,709.84

213.73

1,496.11

213.73

1,282.38

213.73

1,068.65

52.57

420.55

52.57

367.98

52.57

315.41

52.57

262.85

2,100.00

19.41

155.30

19.41

135.89

19.41

116.48

19.41

97.07

746.00

5,968.00

746.00

5,222.00

746.00

4,476.00

746.00

3,730.00

945.00

7,560.00

945.00

6,615.00

945.00

5,670.00

945.00

4,725.00

85.00

680.00

85.00

595.00

85.00

510.00

85.00

425.00

1,492.00

4,476.00

1,492.00

2,984.00

1,492.00

1,492.00

1,492.00

1,094.40

3,283.20

1,094.40

2,188.80

1,094.40

1,094.40

1,094.40

170.00

510.00

170.00

340.00

170.00

170.00

170.00

1,350.47

4,051.42

1,350.47

2,700.94

1,350.47

1,350.47

1,350.47

1,498.00

4,494.00

1,498.00

2,996.00

1,498.00

1,498.00

1,498.00

590.00

1,770.00

590.00

1,180.00

590.00

590.00

590.00

12,922.58

12,922.58

12,922.58

12,922.58

Valor residual

12,408.56

TABLA DE AMORTIZACIN:
Monto Financiamiento
porcentaje anual
Plazo de pago
No. Pago
1
2
3
4
5

$212,000.40
20%
5 aos

Saldo
Porcentaje
Pago Total
212,000.40
0.20
42,400.08
212,000.40
0.20
42,400.08
212,000.40
0.20
42,400.08
212,000.40
0.20
42,400.08
212,000.40
0.20
42,400.08
212,000.40

No. Pago
1
2
3
4
5

PRIMER AO
Pago Ao
212,000.40
203,520.38
195,040.37
186,560.35
178,080.34

No. Pago
1
2
3
4
5

SEGUNDO AO
Pago Ao
169,600.32
161,120.30
152,640.28
144,160.26
135,680.24

No. Pago
1
2
3
4
5

TERCER AO
Pago Ao
127,200.22
118,720.20
110,240.18
101,760.16
93,280.14

CUARTO AO
No. Pago Pago Ao
1 84,800.12
2 76,320.10
3 67,840.08
4 59,360.06
5 50,880.04
QUINTO AO
No. Pago Pago Ao
1 42,400.02
2 33,920.00
3 25,439.98
4 16,959.96
5
8,479.94

PRIMER AO
Pago Bimensual Saldo
8,480.02 203,520.38
8,480.02 195,040.37
8,480.02 186,560.35
8,480.02 178,080.34
8,480.02 169,600.32
SEGUNDO AO
Pago Bimensual Saldo
8,480.02 161,120.30
8,480.02 152,640.28
8,480.02 144,160.26
8,480.02 135,680.24
8,480.02 127,200.22
TERCER AO
Pago Bimensual Saldo
8,480.02 118,720.20
8,480.02 110,240.18
8,480.02 101,760.16
8,480.02
93,280.14
8,480.02
84,800.12
CUARTO AO
Pago Bimensual Saldo
8,480.02
76,320.10
8,480.02
67,840.08
8,480.02
59,360.06
8,480.02
50,880.04
8,480.02
42,400.02
QUINTO AO
Pago Bimensual Saldo
8,480.02
33,920.00
8,480.02
25,439.98
8,480.02
16,959.96
8,480.02
8,479.94
8,479.94