15,723.

71
110,694.44
sin financiamiento
126,418.15 Concepto
Produccin
Precio de Venta
Ingresos netos
Costos Indirectos
Costos Directos
Depreciacin
UAII
Inters
UAI
Imp (25%)
ICE ($us 0,2xBot)
UDI
Depreciacin
Amortizacin
Capital de Trabajo
Inversin
FDCR

Flujo Neto

VAN
TIR

1.5

0.213980029

0
2009

1
2010
77,985.00
4.10
319,738.50
120,789.62
97,844.58
21,054.82
80,049.48

2
2011
85,165.00
4.18
355,989.70
120,789.62
106,852.25
21,054.82
107,293.01

80,049.48
20,012.37
15,597.00
44,440.11
21,054.82

107,293.01
26,823.25
17,033.00
63,436.76
21,054.82

65,494.93

84,491.58

-559,834.89

-475,343.31

45,870.21
579,459.61
-625,329.82
5 Aos
-625,329.82

0.080
460,051.75
0.1905

financiamiento a 8
Concepto
Produccin
Precio de Venta
Ingresos netos
Costos Indirectos
Costos Directos
Depreciacin
UAII
Inters
UAI
Imp (25%)
ICE ($us 0,2xBot)
UDI
Depreciacin
Amortizacin
Capital de Trabajo
Inversin
Credito
FDCR
PRI

49,310.31
579,459.61
347,675.77
-281,094.16
5 Aos

Flujo Neto

-281,094.16

VAN
TIR

0
2009

0.0800
454,885.86
0.2525

$b 3,224,962.76
17,416.04

17,416.04

1
2010
77,985.00
4.10
319,738.50
120,789.62
97,844.58
21,054.82
80,049.48
38,313.87
41,735.61
10,433.90
15,597.00
15,704.71
21,054.82
29,295.05

2
2011
85,165.00
4.18
355,989.70
120,789.62
106,852.25
21,054.82
107,293.01
35,085.56
72,207.45
18,051.86
17,033.00
37,122.59
21,054.82
32,523.36

7,464.48

25,654.05

-273,629.67

-247,975.62

$b 3,188,749.87

0.08
ING $2,545,346.85
C1
C2
C3
CT $1,550,950.27

B/C

1.6412

$319,738.50
$120,789.62
$97,844.58
$21,054.82
$239,689.02

$355,989.70
$120,789.62
$106,852.25
$21,054.82
$248,696.69

$393,805.00
$120,789.62
$116,255.69
$21,054.82
$258,100.14

3
2012
92,660.00
4.25
393,805.00
120,789.62
116,255.69
21,054.82
135,704.86

3.6
25
4
2013
100,460.00
4.32
433,987.20
120,789.62
126,042.39
21,054.82
166,100.37

25.236
3.566333809
5
2014
108,575.00
4.38
475,558.50
120,789.62
136,223.86
21,054.82
197,490.19

6
2015
117,000.00
4.44
519,480.00
120,789.62
146,795.34
21,054.82
230,840.21

7
2016
125,735.00
4.50
565,807.50
120,789.62
157,753.25
21,054.82
266,209.81

8
2017
134,780.00
4.55
613,249.00
120,789.62
169,209.22
21,054.82
302,195.34

135,704.86
33,926.22
18,532.00
83,246.65
21,054.82

166,100.37
41,525.09
20,092.00
104,483.28
21,054.82

197,490.19
49,372.55
21,715.00
126,402.64
21,054.82

230,840.21
57,710.05
23,400.00
149,730.16
21,054.82

266,209.81
66,552.45
25,147.00
174,510.36
21,054.82

302,195.34
75,548.84
26,956.00
199,690.51
21,054.82

104,301.47

10,120.00
115,418.10

147,457.47

170,784.98

195,565.18

856,195.15

-371,041.84

-255,623.74

-108,166.27

62,618.71

258,183.89

1,114,379.04

17,416.04

17,416.04

17,416.04

17,416.04

10,387.50

10,387.50

3
2012
92,660.00
4.25
393,805.00
120,789.62
116,255.69
21,054.82
135,704.86
31,501.48
104,203.38
26,050.85
18,532.00
59,620.54
21,054.82
36,107.43

4
2013
100,460.00
4.32
433,987.20
120,789.62
126,042.39
21,054.82
166,100.37
27,522.44
138,577.93
34,644.48
20,092.00
83,841.44
21,054.82
40,086.47

5
2014
108,575.00
4.38
475,558.50
120,789.62
136,223.86
21,054.82
197,490.19
23,104.91
174,385.28
43,596.32
21,715.00
109,073.96
21,054.82
44,504.00

6
2015
117,000.00
4.44
519,480.00
120,789.62
146,795.34
21,054.82
230,840.21
18,200.57
212,639.64
53,159.91
23,400.00
136,079.73
21,054.82
49,408.34

7
2016
125,735.00
4.50
565,807.50
120,789.62
157,753.25
21,054.82
266,209.81
12,755.77
253,454.04
63,363.51
25,147.00
164,943.53
21,054.82
54,853.14

8
2017
134,780.00
4.55
613,249.00
120,789.62
169,209.22
21,054.82
302,195.34
6,710.96
295,484.39
73,871.10
26,956.00
194,657.29
21,054.82
60,897.96

10,120.00
44,567.93

54,689.79

85,624.78

107,726.21

131,145.21

793,704.08

-203,407.70

-148,717.90

-63,093.12

44,633.09

175,778.29

969,482.37

$433,987.20
$120,789.62
$126,042.39
$21,054.82
$267,886.83

$475,558.50
$120,789.62
$136,223.86
$21,054.82
$278,068.31

$519,480.00
$120,789.62
$146,795.34
$21,054.82
$288,639.79

$565,807.50
$120,789.62
$157,753.25
$21,054.82
$299,597.69

$613,249.00
$120,789.62
$169,209.22
$21,054.82
$311,053.66

Valor Residual

45,870.21
589,579.61

Valor Residual

49,310.31
589,579.61

financiamiento a 8
0
Concepto
2009
Produccin
Precio de Venta
Var. % Precio
Ingresos netos
Costos Indirectos
Costos Directos
Depreciacin
UAII
Inters
UAI
Imp (25%)
ICE ($us 0,2xBot)
UDI
Depreciacin
Amortizacin
Capital de Trabajo 49,310.31
Inversin
579,459.61
Credito
347,675.77
FDCR
-281,094.16
PRI
4 Aos
Flujo Neto
-281,094.16

0.08
VAN
454,885.86
TIR
0.2525

1
2010
77,985.00
4.10
319,738.50
120,789.62
97,844.58
21,054.82
80,049.48
38,313.87
41,735.61
10,433.90
15,597.00
15,704.71
21,054.82
29,295.05

2
2011
85,165.00
4.18
1.92
355,989.70
120,789.62
106,852.25
21,054.82
107,293.01
35,085.56
72,207.45
18,051.86
17,033.00
37,122.59
21,054.82
32,523.36

3
2012
92,660.00
4.25
1.72
393,805.00
120,789.62
116,255.69
21,054.82
135,704.86
31,501.48
104,203.38
26,050.85
18,532.00
59,620.54
21,054.82
36,107.43

7,464.48

25,654.05

44,567.93

-273,629.67

-247,975.62

-203,407.70

3,188,749.87

4
2013
100,460.00
4.32
1.59
433,987.20
120,789.62
126,042.39
21,054.82
166,100.37
27,522.44
138,577.93
34,644.48
20,092.00
83,841.44
21,054.82
40,086.47

5
2014
108,575.00
4.38
1.44
475,558.50
120,789.62
136,223.86
21,054.82
197,490.19
23,104.91
174,385.28
43,596.32
21,715.00
109,073.96
21,054.82
44,504.00

6
2015
117,000.00
4.44
1.34
519,480.00
120,789.62
146,795.34
21,054.82
230,840.21
18,200.57
212,639.64
53,159.91
23,400.00
136,079.73
21,054.82
49,408.34

7
2016
125,735.00
4.50
1.24
565,807.50
120,789.62
157,753.25
21,054.82
266,209.81
12,755.77
253,454.04
63,363.51
25,147.00
164,943.53
21,054.82
54,853.14

8
2017Valor Residual
134,780.00
4.55
1.16
613,249.00
120,789.62
169,209.22
21,054.82
302,195.34
6,710.96
295,484.39
73,871.10
26,956.00
194,657.29
21,054.82
60,897.96
49,310.31
589,579.61

54,689.79

85,624.78

107,726.21

131,145.21

793,704.08

-148,717.90

-63,093.12

44,633.09

175,778.29

969,482.37

10,120.00

Concepto
2009
Produccin
Precio de Venta
Var. % Precio
Ingresos netos
Costos Indirectos
Costos Directos
Depreciacin
UAII
Inters
UAI
Imp (25%)
ICE ($us 0,2xBot)
UDI
Depreciacin
Amortizacin
Capital de Trabajo49,310.31
Inversin
231,783.84
FDCR
-$281,094.16
PRI
3 Aos
Flujo Neto
-281,094.16
TRAP
40.43%

2010

2011

2012

2013

77,985.00

85,165.00

92,660.00

100,460.00

4.10

4.18

4.25

4.32

1.92

1.72

1.59

319,738.50

355,989.70

393,805.00

433,987.20

120,789.62

120,789.62

120,789.62

120,789.62

97,844.58

106,852.25

116,255.69

126,042.39

21,054.82

21,054.82

21,054.82

21,054.82

80,049.48

107,293.01

135,704.86

166,100.37

80,049.48

107,293.01

135,704.86

166,100.37

20,012.37

26,823.25

33,926.22

41,525.09

15,597.00

17,033.00

18,532.00

20,092.00

44,440.11

63,436.76

83,246.65

104,483.28

21,054.82

21,054.82

21,054.82

21,054.82

10,120.00
$65,494.93

$84,491.58

$104,301.47

115,418.10

-215,599.23

-131,107.65

-26,806.18

88,611.92

579,459.61

2014

2015

2016

2017
Valor Residual

108,575.00

117,000.00

125,735.00

134,780.00

4.38

4.44

4.50

4.55

1.44

1.34

1.24

1.16

475,558.50

519,480.00

565,807.50

613,249.00

120,789.62

120,789.62

120,789.62

120,789.62

136,223.86

146,795.34

157,753.25

169,209.22

21,054.82

21,054.82

21,054.82

21,054.82

197,490.19

230,840.21

266,209.81

302,195.34

197,490.19

230,840.21

266,209.81

302,195.34

49,372.55

57,710.05

66,552.45

75,548.84

21,715.00

23,400.00

25,147.00

26,956.00

126,402.64

149,730.16

174,510.36

199,690.51

21,054.82

21,054.82

21,054.82

21,054.82

49,310.31
589,579.61
$147,457.47

$170,784.98

$195,565.18

$859,635.25

236,069.39

406,854.37

602,419.55

1,462,054.80

Produccin
Precio de Venta
materia Prima
Costos Directos

77,985.00

85,165.00

4.10

4.18

80,325
124,504
80,325

87,720
135,966
87,720

142,023.33

155,098.25

97,844.58

106,852.25

-26,659.17

5,404.74

17,519.58

19,132.25

2010

2011

77,985.00

85,165.00

4.10

4.18

Ingresos netos

319,738.50

355,989.70

Costos Indirectos

120,789.62

120,789.62

Costos Directos

Concepto

2009

Produccin
Precio de Venta
Var. % Precio

1.92

142,023.33

155,098.25

Depreciacin

21,054.82

21,054.82

UAII

35,870.73

59,047.01

Inters

38,313.87

35,085.56

UAI

-2,443.14

23,961.45

Imp (25%)

10,433.90

18,051.86

ICE ($us 0,2xBot)

15,597.00

17,033.00

-28,474.04

-11,123.41

Depreciacin

21,054.82

21,054.82

Amortizacin

29,295.05

32,523.36

-36,714.27

-22,591.95

-278,741.63

-262,111.94

UDI

Capital de Trabajo
Inversin
Credito
FDCR
PRI
Flujo Neto

VAN
TIR

49,310.31
579,459.61
347,675.77
-281,094.16
4 Aos
-277,661.86

0.0800
$122,674.23
0.1255

0%
-17%
0.00
Precio de Venta
VAN
0%
454,885.86
-5%
327,618.52
-10%
200,351.17
-15%
73,083.83
-17%
0.00
-20%
-54,183.51
-25%
-181,450.85
-30%
-308,718.20
-35%
-435,985.54

$b 859,946.33

-40%
-45%
-50%
-55%
Precio de Venta
0%
-5%
-10%
-15%
-17%
-20%
-25%
-30%
-35%
-40%
-45%
-50%
-55%
Precio de Venta
-17%

-563,252.88
-690,520.22
-817,787.56
-945,054.91
Analisis de Sensibilidad
VAN Materia Prima e Insumos
454,885.86
0%
327,618.52
5%
200,351.17
10%
73,083.83
15%
0.00
20%
-54,183.51
25%
-181,450.85
30%
-308,718.20
35%
-435,985.54
40%
-563,252.88
45%
-690,520.22
50%
-817,787.56
55%
-945,054.91
75%
Analisis de Sensibilidad
VAN Materia Prima e Insumos
$0.00
63%

Precio de Venta

-60%

-50%

-40%

-30%

-20%

Variacion Porcentual
Precio de Venta

-10%

600,000.00
400,000.00
200,000.00
0.00
0% -200,000.00
-400,000.00
-600,000.00
-800,000.00
-1,000,000.00
-1,200,000.00

-60%

-50%

92,660.00

100,460.00

108,575.00

117,000.00

125,735.00

134,780.00

4.25

4.32

4.38

4.44

4.50

4.55

95,440
147,932
95,440

103,474
160,385
103,474

111,832
173,340
111,832

120,510
186,791
120,510

129,507
200,736
129,507

138,823
215,176
138,823

168,747.69

182,953.09

197,731.46

213,075.84

228,982.10

245,561.87

116,255.69

126,042.39

136,223.86

146,795.34

157,753.25

169,209.22

5,404.74

5,404.74

5,404.74

5,404.74

5,404.74

5,404.74

20,815.69

22,568.39

24,391.86

26,285.34

28,246.25

30,386.22

2012

2013

2014

2015

2016

2017

92,660.00

100,460.00

108,575.00

117,000.00

125,735.00

134,780.00

4.25

4.32

4.38

4.44

4.50

4.55

1.72

1.59

1.44

1.34

1.24

1.16

393,805.00

433,987.20

475,558.50

519,480.00

565,807.50

613,249.00

120,789.62

120,789.62

120,789.62

120,789.62

120,789.62

120,789.62

168,747.69

182,953.09

197,731.46

213,075.84

228,982.10

245,561.87

21,054.82

21,054.82

21,054.82

21,054.82

21,054.82

21,054.82

83,212.86

109,189.67

135,982.59

164,559.71

194,980.96

225,842.69

31,501.48

27,522.44

23,104.91

18,200.57

12,755.77

6,710.96

51,711.38

81,667.23

112,877.68

146,359.14

182,225.19

219,131.74

26,050.85

34,644.48

43,596.32

53,159.91

63,363.51

73,871.10

18,532.00

20,092.00

21,715.00

23,400.00

25,147.00

26,956.00

7,128.54

26,930.74

47,566.36

69,799.23

93,714.68

118,304.64

21,054.82

21,054.82

21,054.82

21,054.82

21,054.82

21,054.82

36,107.43

40,086.47

44,504.00

49,408.34

54,853.14

60,897.96

10,120.00

-7,924.07

-2,220.91

24,117.18

41,445.71

59,916.36

717,351.43

-227,072.79

-182,439.98

-109,955.99

-15,950.12

100,866.67

728,774.48

55%
0.00

75%
Materia Prima eVAN
Insumos
0%
454,885.86
5%
424,684.80
10%
394,483.74
15%
364,282.69
20%
334,081.63
25%
303,880.57
30%
273,679.51
35%
243,478.46
40%
213,277.40

0%
-17%
0.00
Demanda
VAN
0%
454,885.86
-5%
254,679.91
-10%
127,412.57
-15%
73,083.83
-17%
0.00
-20%
-54,183.51
-25%
-181,450.85
-30%
-308,718.20
-35%
-435,985.54

45%
50%
55%
75%

s de Sensibilidad
VAN
454,885.86
424,684.80
394,483.74
364,282.69
334,081.63
303,880.57
273,679.51
243,478.46
213,277.40
183,076.34
152,875.28
122,674.23
0.00
s de Sensibilidad
VAN
$0.00

183,076.34
152,875.28
122,674.23
0.00
Demanda
0%
-5%
-10%
-15%
-17%
-20%
-25%
-30%
-35%
-40%
-45%
-50%
-55%

-40%
-45%
-50%
-55%
VAN
Costos Indirectos
454,885.86
0%
327,618.52
5%
200,351.17
10%
73,083.83
15%
0.00
20%
-54,183.51
25%
-181,450.85
31%
-308,718.20
30%
-435,985.54
35%
-563,252.88
40%
-690,520.22
-817,787.56
-945,054.91

Demanda
-16%

-563,252.88
-690,520.22
-817,787.56
-945,054.91
VAN
454,885.86
411,927.27
386,533.37
361,139.47
335,745.57
310,351.67
0.00
482,154.29
454,549.83
426,945.37

VAN
$0.00

Y
X

500,000.00

Demanda

Variacion del VAN

-200,000.00
-400,000.00
-600,000.00
-800,000.00
-1,000,000.00
-1,200,000.00

Materia Prima e Insumos

Variacion del VAN

600,000.00
400,000.00
200,000.00

-1,000,000.00

400,000.00
300,000.00
200,000.00
100,000.00
0.00
0%

10%

20%

30%
40%
50%
Variacion Porcentual
Materia Prima e Insumos

60%

70%

80%

-40%

-30%

-20%

Variacion Porcentual
Demanda

-10%

600,000.00
400,000.00
200,000.00
0.00
0% -200,000.00
-400,000.00
-600,000.00
-800,000.00
-1,000,000.00
-1,200,000.00

Variacion del VAN

Demanda

144,130.00
$4.59

148,454
230,104
148,454
230,103.70

0.00
117,837.70
Valor ResidualValor

Residual

49,310.31
589,579.61
0.00

Costos Indirectos
VAN
0%
454,885.86
5%
411,927.27
10%
386,533.37
15%
361,139.47
20%
335,745.57
25%
310,351.67
30%
482,154.29
35%
454,549.83
40%
426,945.37

45%

399,340.91

+/- 0%
+/- 5%
+/- 10%
+/- 15%
+/- 20%
+/- 25%
+/- 30%
+/- 35%
+/- 40%
+/- 45%
+/- 50%

ANLISIS DE SENSIBILIDAD (VAN)

600,000.00
400,000.00
200,000.00
0.00
-200,000.00
-400,000.00
-600,000.00
-800,000.00
-1,000,000.00

+/- 0% +/- 5% +/- 10% +/- 15% +/- 20% +/- 25% +/- 30% +/- 35% +/- 40% +/- 45% +/- 50%

Precio de Venta

80%

Materia Prima e Insumos

Demanda

+/- 50%

Ao
2010
Plan de Produccin (Lts)
77,985
Costo Anual MP & I (USD)
80,325.00
Costos de Comercializacin (USD)
11,697.75
Publicidad (USD)
3,500.00
Costos Administrativos Anuales (USD)
1,904.74
Salarios Anuales (USD)
115,384.88
Depreciacin (USD)
21,054.82
Servicios Auxiliares (USD)
5,821.83
Total Costos (USD)
239,689.02
Costo Total Unitario (USD)
3.07
Costo Total Unitario (Bs)
21.55

2011
85,165
87,720.00
12,774.75
3,500.00
1,904.74
115,384.88
21,054.82
6,357.50
248,696.69
2.92
20.47

2012
92,660
95,440.00
13,899.00
3,500.00
1,904.74
115,384.88
21,054.82
6,916.69
258,100.14
2.79
19.53

101,344.58

110,352.25

119,755.69

138,344.44

138,344.44

138,344.44

120,789.62
97,844.58

120,789.62
106,852.25

120,789.62
116,255.69

Costos Indirectos
Costo Directos

ESTADO DE RESULTADOS
2010
Ventas Netas
319,738.50
Costos Directos 97,844.58
UTILIDAD BRUTA221,893.92
Costos Indirectos 120,789.62
Depreciacin
21,054.82
UTILIDAD OPERATIVA
80,049.48
Intereses
40,660.92
UTILIDAD ANTES 39,388.56
DE IMPUESTOS
Impuestos (25%) 23,186.43
ICE
15,597.00
UTILIDAD NETA
605.13

ESTADO DE RESULTADOS
2010

Ventas Netas
319,738.50
Costos Directos 97,844.58
UTILIDAD BRUTA221,893.92
Costos Indirectos 120,789.62
Depreciacin
21,054.82
UTILIDAD OPERATIVA
80,049.48
Intereses
UTILIDAD ANTES 80,049.48
DE IMPUESTOS
Impuestos (25%) 23,186.43
ICE
15,597.00
UTILIDAD NETA 41,266.05

80,325.00

15,197.75

11,697.75

80,325.00

2013
100,460
103,474.00
15,069.00
3,500.00
1,904.74
115,384.88
21,054.82
7,499.39
267,886.83
2.67
18.69

2014
108,575
111,832.00
16,286.25
3,500.00
1,904.74
115,384.88
21,054.82
8,105.61
278,068.31
2.56
17.95

2015
117,000
120,510.00
17,550.00
3,500.00
1,904.74
115,384.88
21,054.82
8,735.34
288,639.79
2.47
17.29

2016
125,735
129,507.00
18,860.25
3,500.00
1,904.74
115,384.88
21,054.82
9,386.00
299,597.69
2.38
16.70

2017
134,780
138,823.00
20,217.00
3,500.00
1,904.74
115,384.88
21,054.82
10,169.22
311,053.66
2.31
16.18

129,542.39

139,723.86

150,295.34

161,253.25

172,709.22

138,344.44

138,344.44

138,344.44

138,344.44

138,344.44

120,789.62
126,042.39

120,789.62
136,223.86

120,789.62
146,795.34

120,789.62
157,753.25

120,789.62
169,209.22

2011
355,880.69
106,852.25
249,028.44
120,789.62
21,054.82
107,184.00
37,234.84
69,949.16
30,334.04
17,033.00
22,582.12

2012
393,860.04
116,255.69
277,604.35
120,789.62
21,054.82
135,759.90
33,431.21
102,328.69
37,857.97
18,532.00
45,938.72

2013
433,804.20
126,042.39
307,761.81
120,789.62
21,054.82
165,917.37
29,208.42
136,708.94
45,792.94
20,092.00
70,824.00

2014
475,597.61
136,223.86
339,373.75
120,789.62
21,054.82
197,529.30
24,520.28
173,009.02
54,107.50
21,715.00
97,186.52

2015
519,369.67
146,795.34
372,574.33
120,789.62
21,054.82
230,729.88
19,315.51
211,414.37
62,835.03
23,400.00
125,179.34

2011

2012

2013

2014

2015

2.65
18.55
0.5637

2016
565,065.83
157,753.25
407,312.58
120,789.62
21,054.82
265,468.14
13,537.17
251,930.97
71,962.14
25,147.00
154,821.83

2016

2017
612,741.27
169,209.22
443,532.05
120,789.62
21,054.82
301,687.61
7,122.06
294,565.55
81,502.64
26,956.00
186,106.91

2017

355,880.69
106,852.25
249,028.44
120,789.62
21,054.82
107,184.00

393,860.04
116,255.69
277,604.35
120,789.62
21,054.82
135,759.90

433,804.20
126,042.39
307,761.81
120,789.62
21,054.82
165,917.37

475,597.61
136,223.86
339,373.75
120,789.62
21,054.82
197,529.30

519,369.67
146,795.34
372,574.33
120,789.62
21,054.82
230,729.88

565,065.83
157,753.25
407,312.58
120,789.62
21,054.82
265,468.14

612,741.27
169,209.22
443,532.05
120,789.62
21,054.82
301,687.61

107,184.00
30,334.04
17,033.00
59,816.96

135,759.90
37,857.97
18,532.00
79,369.93

165,917.37
45,792.94
20,092.00
100,032.43

197,529.30
54,107.50
21,715.00
121,706.80

230,729.88 265,468.14
62,835.03 71,962.14
23,400.00 25,147.00
144,494.85 168,359.00

301,687.61
81,502.64
26,956.00
193,228.97

22,450.91

115,384.88

5,821.83

239,180.37
239,180.37

17,937.69 257,118.06

45,870.21
49,310.31

3,500.00

1,904.74

20,546.17

5,821.83
6,357.50
6,916.69
7,499.39
8,105.61
8,735.34
9,386.00
10,169.22

Banco Mercantil Santa Cruz

Interes Nominal
7.94% Interes efectivo
11.02%
Plazo
8 aos
Anualidad
67,608.92
Monto
579,459.61 347,675.77

Periodo
Saldo
Amortizacin
Cuota
Interes

0
347,675.77

1
318,380.72
29,295.05
67,608.92
38,313.87

2
285,857.36
32,523.36
67,608.92
35,085.56

17937.633

3
249,749.93
36,107.43
67,608.92
31,501.48

4
209,663.45
40,086.47
67,608.92
27,522.44

5
165,159.45
44,504.00
67,608.92
23,104.91

6
115,751.10
49,408.34
67,608.92
18,200.57

7
60,897.96
54,853.14
67,608.92
12,755.77

8
0.00
60,897.96
67,608.92
6,710.96

Periodo
0
1
2
3
4
5
6
7
8

Clculo finaciero de Deuda Bancaria

Saldo
Amortizacion
Couta
interes
347,675.77
318,380.72 29,295.05 67,608.92 38,313.87
285,857.36 32,523.36 67,608.92 35,085.56
249,749.93 36,107.43 67,608.92 31,501.48
209,663.45 40,086.47 67,608.92 27,522.44
165,159.45 44,504.00 67,608.92 23,104.91
115,751.10 49,408.34 67,608.92 18,200.57
60,897.96 54,853.14 67,608.92 12,755.77
0.00 60,897.96 67,608.92 6,710.96