1 .

COVERTIR LAS SIGUIENTES TASAS NOMINALES EN ANTICIPADA

a
b
c

16%
14%
21%

0.16
0.14
0.21

A
ip
vencida

B
0.16
19.05

C
0.14
16.28

0.21
26.58

2 COVERTIR LAS SIGUIENTES TASAS PERIODICAS EN EFECTIVAS

a
b
c

0.075
0.09
0.085
ip
EA

0.075
1.38

0.09
1.81

0.085
1.66

8.11

9.89

9.29

3 EL SEOR ROMERO REQUIERE UN CREDITO FINANCIERO DE 15,000,000 PARA PAGAR EN 5 AOS

a
b
c

BANCO SUDAMERICANO 18% VENCIDO AMORTIZANDO MENSUALMENTE

BANCO ANDINO 18% ANTICIPADO AMORTIZANDO BIMESTRALMENTE
ELABORAR LAS TABLAS DE AMORTIZACION Y ACONSEREJAR EL MENOR VALOR DE INTERESES A

BANCO SUDAMERICANO
VP
IP
N
CUOTA

15,000,000
0.015
5

(15,000,000)
0.015
60
$ 380,901.41

ORDEN
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
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
TOTAL

BANCO ANDINO
VP
IP
N
CUOTA

15,000,000
0.030
5

(15,000,000)
0.0291
30
$ 756,670.45

ORDEN
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
TOTAL

SE RECOMIENDA AL SEOR ROMERO SOLICITAR EL CREDITO EN EL BANCO ANDINO YA QUE EN

PARA PAGAR EN 5 AOS EL CUAL LE OFRESCE 2 BANCOS ASI

R VALOR DE INTERESES A PAGAR

INTERES
225,000.00
222,661.48
220,287.88
217,878.68
215,433.34
212,951.31
210,432.06
207,875.02
205,279.63
202,645.30
199,971.46
197,257.51
194,502.85

CUOTAS
AMORTIZACION
380,901.41
155,901.41
380,901.41
158,239.93
380,901.41
160,613.53
380,901.41
163,022.73
380,901.41
165,468.08
380,901.41
167,950.10
380,901.41
170,469.35
380,901.41
173,026.39
380,901.41
175,621.78
380,901.41
178,256.11
380,901.41
180,929.95
380,901.41
183,643.90
380,901.41
186,398.56

SALDO
14,844,098.59
14,685,858.66
14,525,245.12
14,362,222.39
14,196,754.31
14,028,804.22
13,858,334.87
13,685,308.48
13,509,686.70
13,331,430.59
13,150,500.63
12,966,856.73
12,780,458.17

191,706.87
380,901.41
188,868.95
380,901.41
185,988.47
380,901.41
183,064.77
380,901.41
180,097.22
380,901.41
177,085.16
380,901.41
174,027.92
380,901.41
170,924.81
380,901.41
167,775.17
380,901.41
164,578.27
380,901.41
161,333.43
380,901.41
158,039.91
380,901.41
154,696.98
380,901.41
151,303.92
380,901.41
147,859.95
380,901.41
144,364.33
380,901.41
140,816.28
380,901.41
137,215.00
380,901.41
133,559.70
380,901.41
129,849.58
380,901.41
126,083.80
380,901.41
122,261.54
380,901.41
118,381.94
380,901.41
114,444.15
380,901.41
110,447.29
380,901.41
106,390.47
380,901.41
102,272.81
380,901.41
98,093.38
380,901.41
93,851.26
380,901.41
89,545.51
380,901.41
85,175.17
380,901.41
80,739.28
380,901.41
76,236.84
380,901.41
71,666.88
380,901.41
67,028.36
380,901.41
62,320.26
380,901.41
57,541.54
380,901.41
52,691.15
380,901.41
47,767.99
380,901.41
42,770.99
380,901.41
37,699.04
380,901.41
32,551.00
380,901.41
27,325.74
380,901.41
22,022.11
380,901.41
16,638.92
380,901.41
11,174.98
380,901.41
5,629.08
380,901.41
7,854,084.68 13,712,450.81

189,194.54
192,032.46
194,912.94
197,836.64
200,804.19
203,816.25
206,873.49
209,976.60
213,126.25
216,323.14
219,567.99
222,861.51
226,204.43
229,597.50
233,041.46
236,537.08
240,085.14
243,686.41
247,341.71
251,051.83
254,817.61
258,639.88
262,519.47
266,457.27
270,454.13
274,510.94
278,628.60
282,808.03
287,050.15
291,355.90
295,726.24
300,162.14
304,664.57
309,234.54
313,873.05
318,581.15
323,359.87
328,210.26
333,133.42
338,130.42
343,202.38
348,350.41
353,575.67
358,879.30
364,262.49
369,726.43
375,272.33
7,370,390.32

12,591,263.63
12,399,231.18
12,204,318.23
12,006,481.59
11,805,677.41
11,601,861.16
11,394,987.66
11,185,011.07
10,971,884.82
10,755,561.68
10,535,993.69
10,313,132.19
10,086,927.76
9,857,330.26
9,624,288.81
9,387,751.73
9,147,666.59
8,903,980.18
8,656,638.47
8,405,586.64
8,150,769.03
7,892,129.15
7,629,609.68
7,363,152.41
7,092,698.28
6,818,187.35
6,539,558.75
6,256,750.71
5,969,700.56
5,678,344.66
5,382,618.42
5,082,456.28
4,777,791.72
4,468,557.18
4,154,684.13
3,836,102.98
3,512,743.11
3,184,532.85
2,851,399.43
2,513,269.01
2,170,066.63
1,821,716.22
1,468,140.55
1,109,261.25
744,998.76
375,272.33
0.00

INTERES
CUOTAS
AMORTIZACION
436,893.20
756,670.45
319,777.24
427,579.30
756,670.45
329,091.15
417,994.12
756,670.45
338,676.32
408,129.77
756,670.45
348,540.68
397,978.10
756,670.45
358,692.35
387,530.75
756,670.45
369,139.70
376,779.10
756,670.45
379,891.35
365,714.31
756,670.45
390,956.14
354,327.23
756,670.45
402,343.21
342,608.50
756,670.45
414,061.95
330,548.44
756,670.45
426,122.01
318,137.12
756,670.45
438,533.33
305,364.31
756,670.45
451,306.14
292,219.47
756,670.45
464,450.98
278,691.77
756,670.45
477,978.68
264,770.06
756,670.45
491,900.39
250,442.87
756,670.45
506,227.58
235,698.37
756,670.45
520,972.08
220,524.43
756,670.45
536,146.02
204,908.53
756,670.45
551,761.92
188,837.79
756,670.45
567,832.66
172,298.97
756,670.45
584,371.47
155,278.45
756,670.45
601,392.00
137,762.17
756,670.45
618,908.27
119,735.72
756,670.45
636,934.73
101,184.22
756,670.45
655,486.23
82,092.39
756,670.45
674,578.06
62,444.49
756,670.45
694,225.96
42,224.31
756,670.45
714,446.14
21,415.20
756,670.45
735,255.25
7,700,113.46 22,700,113.46
15,000,000.00

ANCO ANDINO YA QUE EN ESTE PAGARIA MENOS INTERESES

SALDO
14,680,222.76
14,351,131.61
14,012,455.29
13,663,914.60
13,305,222.25
12,936,082.55
12,556,191.20
12,165,235.06
11,762,891.84
11,348,829.90
10,922,707.89
10,484,174.56
10,032,868.42
9,568,417.44
9,090,438.76
8,598,538.38
8,092,310.79
7,571,338.72
7,035,192.70
6,483,430.77
5,915,598.11
5,331,226.64
4,729,834.64
4,110,926.36
3,473,991.63
2,818,505.41
2,143,927.35
1,449,701.38
735,255.25
0.00