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250,000 V0

Monto Ij = V0 . i . (1+i)n-(1+i)j-1
Para FFN0
n
- 1)i+1 (
Gastos de Otorgamiento -

TNA. 47.83% Mensualizada 3.99% i


Con capitalización mensual

Kj = V0 . i . (1+i)j-1
Períodos Meses 48 )n (j n
- 1)i+1 (
Gastos Admin. Mensual 0 Para FFNj

IVA Deducible 0%

Imp. Ganancias Tasa Efectiva 35%

Inflación estimada Costo de la deuda (Ki)


2019 Estimado x consultoras 31.85% Kd Mensual 2.57%
Sin efecto fiscal
2020 -10% anual año anterior 21.85% Kd Anual 35.7%
2021 - 5% anual año anterior 16.85% Ki Mensual 1.67%
Con efecto fiscal
2022 - 5% anual año anterior 11.85% Ki (anual) 22.0%
2023 = año anterior 11.85%
2024 = año anterior 11.85%

IVA sobre Inflacion


Mes / Gasto
Período Amortización Interés Cuota Mensual gastos e Saldo capital FFNj FFNj AxI mensual
Año administrativo
Interés estimada
0 30/06/16 - 250,000 - 250,000 - 250,000 250,000 250,000 2.65%
1 31/07/16 1,803 9,965 - 11,767 - 248,197 - 11,767 - 11,463 2.65%
2 31/08/16 1,875 9,893 - 11,767 - 246,323 - 11,767 - 11,167 2.65%
3 30/09/16 1,949 9,818 - 11,767 - 244,374 - 11,767 - 10,878 2.65%
4 31/10/16 2,027 9,740 - 11,767 - 242,347 - 11,767 - 10,597 2.65%
5 30/11/16 2,108 9,660 - 11,767 - 240,239 - 11,767 - 10,323 2.65%
6 31/12/16 2,192 9,576 - 11,767 - 238,047 - 11,767 - 10,056 2.65%
7 31/01/17 2,279 9,488 - 11,767 - 235,768 - 11,767 - 10,371 1.82%
8 28/02/17 2,370 9,397 - 11,767 - 233,398 - 11,767 - 10,185 1.82%
9 31/03/17 2,464 9,303 - 11,767 - 230,934 - 11,767 - 10,003 1.82%
10 30/04/17 2,563 9,205 - 11,767 - 228,371 - 11,767 - 9,824 1.82%
11 31/05/17 2,665 9,102 - 11,767 - 225,707 - 11,767 - 9,649 1.82%
12 30/06/17 2,771 8,996 - 11,767 - 222,936 - 11,767 - 9,476 1.82%
13 31/07/17 2,881 8,886 - 11,767 - 220,054 - 11,767 - 9,307 1.82%
14 31/08/17 2,996 8,771 - 11,767 - 217,058 - 11,767 - 9,140 1.82%
15 30/09/17 3,116 8,652 - 11,767 - 213,942 - 11,767 - 8,977 1.82%
16 31/10/17 3,240 8,527 - 11,767 - 210,702 - 11,767 - 8,816 1.82%
17 30/11/17 3,369 8,398 - 11,767 - 207,333 - 11,767 - 8,659 1.82%
18 31/12/17 3,503 8,264 - 11,767 - 203,830 - 11,767 - 8,504 1.82%
19 31/01/18 3,643 8,124 - 11,767 - 200,187 - 11,767 - 9,028 1.40%
20 28/02/18 3,788 7,979 - 11,767 - 196,399 - 11,767 - 8,903 1.40%
21 31/03/18 3,939 7,828 - 11,767 - 192,460 - 11,767 - 8,780 1.40%
22 30/04/18 4,096 7,671 - 11,767 - 188,364 - 11,767 - 8,659 1.40%
23 31/05/18 4,259 7,508 - 11,767 - 184,104 - 11,767 - 8,539 1.40%
24 30/06/18 4,429 7,338 - 11,767 - 179,675 - 11,767 - 8,420 1.40%
25 31/07/18 4,606 7,162 - 11,767 - 175,070 - 11,767 - 8,304 1.40%
26 31/08/18 4,789 6,978 - 11,767 - 170,280 - 11,767 - 8,189 1.40%
27 30/09/18 4,980 6,787 - 11,767 - 165,300 - 11,767 - 8,075 1.40%
28 31/10/18 5,179 6,589 - 11,767 - 160,122 - 11,767 - 7,964 1.40%
29 30/11/18 5,385 6,382 - 11,767 - 154,736 - 11,767 - 7,853 1.40%
30 31/12/18 5,600 6,168 - 11,767 - 149,137 - 11,767 - 7,745 1.40%
31 31/01/19 5,823 5,944 - 11,767 - 143,314 - 11,767 - 8,677 0.99%
32 28/02/19 6,055 5,712 - 11,767 - 137,259 - 11,767 - 8,592 0.99%
33 31/03/19 6,296 5,471 - 11,767 - 130,962 - 11,767 - 8,508 0.99%
34 30/04/19 6,547 5,220 - 11,767 - 124,415 - 11,767 - 8,425 0.99%
35 31/05/19 6,808 4,959 - 11,767 - 117,607 - 11,767 - 8,343 0.99%
36 30/06/19 7,080 4,688 - 11,767 - 110,527 - 11,767 - 8,261 0.99%
37 31/07/19 7,362 4,405 - 11,767 - 103,165 - 11,767 - 8,180 0.99%
38 31/08/19 7,655 4,112 - 11,767 - 95,510 - 11,767 - 8,100 0.99%
39 30/09/19 7,960 3,807 - 11,767 - 87,550 - 11,767 - 8,021 0.99%
40 31/10/19 8,278 3,490 - 11,767 - 79,272 - 11,767 - 7,943 0.99%
41 30/11/19 8,608 3,160 - 11,767 - 70,665 - 11,767 - 7,865 0.99%
42 31/12/19 8,951 2,817 - 11,767 - 61,714 - 11,767 - 7,788 0.99%
43 31/01/20 9,307 2,460 - 11,767 - 52,407 - 11,767 - 7,712 0.99%
44 29/02/20 9,678 2,089 - 11,767 - 42,728 - 11,767 - 7,637 0.99%
45 31/03/20 10,064 1,703 - 11,767 - 32,664 - 11,767 - 7,562 0.99%
46 30/04/20 10,465 1,302 - 11,767 - 22,199 - 11,767 - 7,488 0.99%
47 31/05/20 10,882 885 - 11,767 - 11,316 - 11,767 - 7,415 0.99%
48 30/06/20 11,316 451 - 11,767 - - 0 - 11,767 - 7,342 0.99%
FFNj AxI

250000
(11,463)
(11,167)
(10,878)
(10,597)
(10,323)
(10,056)
(9,876)
(9,699)
(9,526)
(9,356)
(9,188)
(9,024)
(8,863)
(8,704)
(8,548)
(8,396)
(8,245)
(8,098)
(7,986)
(7,875)
(7,766)
(7,659)
(7,553)
(7,448)
(7,345)
(7,243)
(7,143)
(7,044)
(6,946)
(6,850)
(6,783)
(6,717)
(6,651)
(6,586)
(6,522)
(6,458)
(6,395)
(6,332)
(6,270)
(6,209)
(6,148)
(6,088)
(6,029)
(5,970)
(5,911)
(5,854)
(5,796)
(5,740)

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