TALLER #13: AMORTIZACIN DE CRDITOS (CUOTA FIJA)

Nombre de estudiante: Juan Esteban Quintero Pineda

Valor total del prestamo
$
10,000,000 Inters efectivo anual
Plazo (aos)
1 ao
N pagos por ao
Taza de inters mensual
1.95%
(Funcin tasa. nominal)
Valor de cuota mensual
$ 942,772.21
(funcin pago)
TABLA DE AMORTIZACIN CUOTA FIJA.
# Cuota Valor cuota
Inters
Amortizacin
0
0
0
0
1
$ 942,772.21
$ 195,133.66
$ 747,638.55
2
$ 942,772.21
$ 180,544.72
$ 762,227.49
3
$ 942,772.21
$ 165,671.09
$ 777,101.12
4
$ 942,772.21
$ 150,507.23
$ 792,264.98
5
$ 942,772.21
$ 135,047.48
$ 807,724.73
6
$ 942,772.21
$ 119,286.05
$ 823,486.16
7
$ 942,772.21
$ 103,217.06
$ 839,555.15
8
$ 942,772.21
$ 86,834.51
$ 855,937.70
9
$ 942,772.21
$ 70,132.29
$ 872,639.92
10
$ 942,772.21
$ 53,104.15
$ 889,668.06
11
$ 942,772.21
$ 35,743.73
$ 907,028.48
12
$ 942,772.21
$ 18,044.55
$ 924,727.66
$
11,313,266.52 $
1,313,266.52 $
10,000,000.00

CUOTA FIJA)
Grado: 8B
26.1%
12

cin tasa. nominal)

funcin pago)
Saldo
$
10,000,000
$
9,252,361.45
$
8,490,133.96
$
7,713,032.84
$
6,920,767.86
$
6,113,043.13
$
5,289,556.97
$
4,450,001.82
$
3,594,064.13
$
2,721,424.21
$
1,831,756.14
$
924,727.66
$
-

TALLER #13: AMORTIZACIN DE CRDITOS (CUOTA FIJA)

Nombre de estudiante: Juan Esteban Quintero Pineda
Valor total del prestamo
$
20,000,000 Inters efectivo anual
Plazo (aos)
4 aos
N pagos por ao
Taza de inters mensual
1.29%
(Funcin tasa. nominal)
Valor de cuota mensual
$ 561,962.98
(funcin pago)
TABLA DE AMORTIZACIN CUOTA FIJA.
# Cuota Valor cuota
Inters
Amortizacin
0
0
0
0
1
$ 561,962.98 $
258,767.99
$ 303,194.99
2
$ 561,962.98 $
254,845.13
$ 307,117.85
3
$ 561,962.98 $
250,871.51
$ 311,091.46
4
$ 561,962.98 $
246,846.49
$ 315,116.49
5
$ 561,962.98 $
242,769.39
$ 319,193.59
6
$ 561,962.98 $
238,639.53
$ 323,323.45
7
$ 561,962.98 $
234,456.24
$ 327,506.73
8
$ 561,962.98 $
230,218.83
$ 331,744.15
9
$ 561,962.98 $
225,926.59
$ 336,036.38
10
$ 561,962.98 $
221,578.82
$ 340,384.16
11
$ 561,962.98 $
217,174.79
$ 344,788.18
12
$ 561,962.98 $
212,713.79
$ 349,249.19
13
$ 561,962.98 $
208,195.06
$ 353,767.92
14
$ 561,962.98 $
203,617.87
$ 358,345.11
15
$ 561,962.98 $
198,981.46
$ 362,981.52
16
$ 561,962.98 $
194,285.06
$ 367,677.92
17
$ 561,962.98 $
189,527.90
$ 372,435.08
18
$ 561,962.98 $
184,709.18
$ 377,253.80
19
$ 561,962.98 $
179,828.12
$ 382,134.86
20
$ 561,962.98 $
174,883.91
$ 387,079.07
21
$ 561,962.98 $
169,875.72
$ 392,087.25
22
$ 561,962.98 $
164,802.74
$ 397,160.24
23
$ 561,962.98 $
159,664.13
$ 402,298.85
24
$ 561,962.98 $
154,459.02
$ 407,503.96
25
$ 561,962.98 $
149,186.57
$ 412,776.40
26
$ 561,962.98 $
143,845.91
$ 418,117.07
27
$ 561,962.98 $
138,436.14
$ 423,526.84
28
$ 561,962.98 $
132,956.38
$ 429,006.60
29
$ 561,962.98 $
127,405.72
$ 434,557.25
30
$ 561,962.98 $
121,783.25
$ 440,179.73
31
$ 561,962.98 $
116,088.03
$ 445,874.95
32
$ 561,962.98 $
110,319.12
$ 451,643.86
33
$ 561,962.98 $
104,475.57
$ 457,487.41
34
$ 561,962.98 $
98,556.42
$ 463,406.56
35
$ 561,962.98 $
92,560.68
$ 469,402.30
36
$ 561,962.98 $
86,487.36
$ 475,475.62

37
38
39
40
41
42
43
44
45
46
47
48

$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 561,962.98
$ 26,974,222.94

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

80,335.47
74,103.98
67,791.87
61,398.08
54,921.57
48,361.27
41,716.09
34,984.92
28,166.67
21,260.20
14,264.37
7,178.03
6,974,222.94 $

$ 481,627.51
$ 487,859.00
$ 494,171.11
$ 500,564.90
$ 507,041.40
$ 513,601.71
$ 520,246.89
$ 526,978.05
$ 533,796.31
$ 540,702.78
$ 547,698.61
$ 554,784.95
20,000,000.00

(CUOTA FIJA)
Grado: 8B
16.68%
12

cin tasa. nominal)

funcin pago)
Saldo
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

20,000,000
19,696,805
19,389,687
19,078,596
18,763,479
18,444,286
18,120,962
17,793,455
17,461,711
17,125,675
16,785,291
16,440,503
16,091,253
15,737,485
15,379,140
15,016,159
14,648,481
14,276,046
13,898,792
13,516,657
13,129,578
12,737,491
12,340,331
11,938,032
11,530,528
11,117,751
10,699,634
10,276,107
9,847,101
9,412,544
8,972,364
8,526,489
8,074,845
7,617,358
7,153,951
6,684,549
6,209,073

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

5,727,446
5,239,587
4,745,416
4,244,851
3,737,809
3,224,208
2,703,961
2,176,983
1,643,186
1,102,484
554,785
0

TALLER #13: AMORTIZACIN DE CRDITOS (CUOTA FIJA)

Nombre de estudiante: Juan Esteban Quintero Pineda
Valor total del prestamo
$
12,000,000 Inters efectivo anual
Plazo (aos)
2 aos
N pagos por ao
Taza de inters mensual
1.788%
(Funcin tasa. nominal)
Valor de cuota mensual
$619,333.70
(funcin pago)
TABLA DE AMORTIZACIN CUOTA FIJA.
# Cuota Valor cuota
Inters
Amortizacin
0
0
0
0
1
$619,333.70 $
214,585.139
$ 404,748.560
2
$619,333.70 $
207,347.387
$ 411,986.312
3
$619,333.70 $
199,980.209
$ 419,353.490
4
$619,333.70 $
192,481.290
$ 426,852.409
5
$619,333.70 $
184,848.274
$ 434,485.424
6
$619,333.70 $
177,078.765
$ 442,254.934
7
$619,333.70 $
169,170.320
$ 450,163.379
8
$619,333.70 $
161,120.456
$ 458,213.243
9
$619,333.70 $
152,926.643
$ 466,407.056
10
$619,333.70 $
144,586.308
$ 474,747.391
11
$619,333.70 $
136,096.830
$ 483,236.869
12
$619,333.70 $
127,455.542
$ 491,878.157
13
$619,333.70 $
118,659.731
$ 500,673.968
14
$619,333.70 $
109,706.631
$ 509,627.068
15
$619,333.70 $
100,593.431
$ 518,740.267
16
$619,333.70 $
91,317.269
$ 528,016.430
17
$619,333.70 $
81,875.229
$ 537,458.470
18
$619,333.70 $
72,264.345
$ 547,069.353
19
$619,333.70 $
62,481.599
$ 556,852.100
20
$619,333.70 $
52,523.917
$ 566,809.782
21
$619,333.70 $
42,388.171
$ 576,945.528
22
$619,333.70 $
32,071.176
$ 587,262.523
23
$619,333.70 $
21,569.692
$ 597,764.007
24
$619,333.70 $
10,880.419
$ 608,453.280
$14,864,008.77 $ 2,864,008.774
$12,000,000.00

S (CUOTA FIJA)
Grado: 8B
23.7%
12

cin tasa. nominal)

funcin pago)
A.
Saldo
$
12,000,000
$
11,595,251
$
11,183,265
$
10,763,912
$
10,337,059
$
9,902,574
$
9,460,319
$
9,010,155
$
8,551,942
$
8,085,535
$
7,610,788
$
7,127,551
$
6,635,673
$
6,134,999
$
5,625,372
$
5,106,631
$
4,578,615
$
4,041,157
$
3,494,087
$
2,937,235
$
2,370,425
$
1,793,480
$
1,206,217
$
608,453
$
-

TALLER #13: AMORTIZACIN DE CRDITOS (CUOTA FIJA)

Nombre de estudiante: Juan Esteban Quintero Pineda
Valor total del prestamo
$
50,000,000 Inters efectivo anual
Plazo (aos)
5 aos
N pagos por ao
Taza de inters mensual
1.39%
(Funcin tasa. nominal)
Valor de cuota mensual
$1,233,670.08
(funcin pago)
TABLA DE AMORTIZACIN CUOTA FIJA.
# Cuota Valor cuota
Inters
Amortizacin
0
0
0
0
1
$1,233,670.08 $
694,421.52
$ 539,248.56
2
$1,233,670.08 $
686,932.20
$ 546,737.88
3
$1,233,670.08 $
679,338.87
$ 554,331.21
4
$1,233,670.08 $
671,640.08
$ 562,030.00
5
$1,233,670.08 $
663,834.37
$ 569,835.71
6
$1,233,670.08 $
655,920.24
$ 577,749.84
7
$1,233,670.08 $
647,896.20
$ 585,773.87
8
$1,233,670.08 $
639,760.72
$ 593,909.35
9
$1,233,670.08 $
631,512.26
$ 602,157.82
10
$1,233,670.08 $
623,149.23
$ 610,520.85
11
$1,233,670.08 $
614,670.05
$ 619,000.03
12
$1,233,670.08 $
606,073.11
$ 627,596.97
13
$1,233,670.08 $
597,356.78
$ 636,313.30
14
$1,233,670.08 $
588,519.38
$ 645,150.70
15
$1,233,670.08 $
579,559.25
$ 654,110.83
16
$1,233,670.08 $
570,474.68
$ 663,195.40
17
$1,233,670.08 $
561,263.94
$ 672,406.14
18
$1,233,670.08 $
551,925.27
$ 681,744.81
19
$1,233,670.08 $
542,456.91
$ 691,213.17
20
$1,233,670.08 $
532,857.04
$ 700,813.04
21
$1,233,670.08 $
523,123.85
$ 710,546.23
22
$1,233,670.08 $
513,255.48
$ 720,414.60
23
$1,233,670.08 $
503,250.05
$ 730,420.03
24
$1,233,670.08 $
493,105.66
$ 740,564.42
25
$1,233,670.08 $
482,820.38
$ 750,849.70
26
$1,233,670.08 $
472,392.26
$ 761,277.82
27
$1,233,670.08 $
461,819.30
$ 771,850.77
28
$1,233,670.08 $
451,099.51
$ 782,570.57
29
$1,233,670.08 $
440,230.83
$ 793,439.25
30
$1,233,670.08 $
429,211.21
$ 804,458.87
31
$1,233,670.08 $
418,038.54
$ 815,631.54
32
$1,233,670.08 $
406,710.69
$ 826,959.39
33
$1,233,670.08 $
395,225.53
$ 838,444.55
34
$1,233,670.08 $
383,580.85
$ 850,089.23
35
$1,233,670.08 $
371,774.44
$ 861,895.64
36
$1,233,670.08 $
359,804.06
$ 873,866.01

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

$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$1,233,670.08
$74,020,204.71

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

347,667.44
335,362.25
322,886.16
310,236.81
297,411.77
284,408.61
271,224.86
257,858.00
244,305.51
230,564.78
216,633.23
202,508.18
188,186.96
173,666.84
158,945.06
144,018.82
128,885.27
113,541.54
97,984.72
82,211.83
66,219.88
50,005.83
33,566.59
16,899.04
$24,020,204.71

$ 886,002.64
$ 898,307.83
$ 910,783.91
$ 923,433.27
$ 936,258.31
$ 949,261.47
$ 962,445.22
$ 975,812.07
$ 989,364.57
$ 1,003,105.29
$ 1,017,036.85
$ 1,031,161.90
$ 1,045,483.12
$ 1,060,003.24
$ 1,074,725.02
$ 1,089,651.26
$ 1,104,784.81
$ 1,120,128.53
$ 1,135,685.36
$ 1,151,458.25
$ 1,167,450.20
$ 1,183,664.25
$ 1,200,103.49
$ 1,216,771.04
$50,000,000.00

(CUOTA FIJA)
Grado: 8B
18.0%
12

ncin tasa. nominal)

(funcin pago)
Saldo
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

50,000,000
49,460,751
48,914,014
48,359,682
47,797,652
47,227,817
46,650,067
46,064,293
45,470,384
44,868,226
44,257,705
43,638,705
43,011,108
42,374,795
41,729,644
41,075,533
40,412,338
39,739,932
39,058,187
38,366,974
37,666,161
36,955,614
36,235,200
35,504,780
34,764,215
34,013,366
33,252,088
32,480,237
31,697,666
30,904,227
30,099,768
29,284,137
28,457,177
27,618,733
26,768,644
25,906,748
25,032,882

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

24,146,879
23,248,571
22,337,788
21,414,354
20,478,096
19,528,834
18,566,389
17,590,577
16,601,213
15,598,107
14,581,070
13,549,909
12,504,425
11,444,422
10,369,697
9,280,046
8,175,261
7,055,133
5,919,447
4,767,989
3,600,539
2,416,875
1,216,771
-