CONVERSION DE TASAS

Debo realizar conversion de las siguientes tasas y sus equivalencias en efectivos anuales

Tengo una tasa del 35% EA, hallar su equivalencia diaria, mensual, trimestal, semestral.

TASA
35% EA 30.02% NA CD 0.082%
35% EA 30.39% NA CM 2.53%
35% EA 31.16% NA CT 7.79%
35% EA 32.38% NA CS 16.19%

Tengo una tasa del 1,84% MENSUAL, convertirla a bimensual, cuatrimestral, bimestral

TASA
1.84% MENSUAL 22.08% NA CM 24.46%

24.46% EA 21.98% NA Cb 0.92%

24.46% EA 22.70% NA CC 7.57%
24.46% EA 22.29% NA CB 3.71%

SISTEMAS DE AMORTIZACIÓN CUOTA FIJA Y CUOTA VARIABLE

Quiero hacer un crédito por valor $ 35,000,000 a un plazo de 4,5 años y una tasa del 0,084% diaria. Liquidar con amortizació
semestral y se desembolsa el 25/02/2014 CUOTA FIJA-

VP $ 35,000,000
NPER 4.5 AÑOS 9 SEMESTRES 35.86%
TASA 0.084% DIARIA 30.66% NA CD
CUOTA FIJA $ 7,746,572 33.12% NA CS 16.56%

NRO FECHA SALDO I INTERES CAPITAL CUOTA FIJA

0 2/25/2014 35,000,000 - 0 0
1 8/25/2014 35,000,000 5,795,987 1,950,586 $ 7,746,572
2 2/25/2015 33,049,414 5,472,970 2,273,602 $ 7,746,572
3 8/25/2015 30,775,813 5,096,463 2,650,109 $ 7,746,572
4 2/25/2016 28,125,703 4,657,606 3,088,966 $ 7,746,572
5 8/25/2016 25,036,737 4,146,074 3,600,498 $ 7,746,572
6 2/25/2017 21,436,239 3,549,833 4,196,739 $ 7,746,572
7 8/25/2017 17,239,500 2,854,855 4,891,718 $ 7,746,572
 8 2/25/2018 12,347,782 2,044,788 5,701,784 $ 7,746,572
9 8/25/2018 6,645,998 1,100,575 6,645,998 $ 7,746,572

VP $ 35,000,000
NPER 4.5 AÑOS 9 SEMESTRES 35.86%
TASA 0.084% DIARIA 30.66% NA CD
CUOTA VARIABLE $ 3,888,889 33.12% NA CS 16.56%

NRO FECHA SALDO I INTERES CAPITAL CUOTA VARIAB

0 2/25/2014 35,000,000 - 0 0
1 8/25/2014 35,000,000 5,795,987 3,888,889 9,684,876
2 2/25/2015 31,111,111 5,151,988 3,888,889 9,040,877
3 8/25/2015 27,222,222 4,507,990 3,888,889 8,396,879
4 2/25/2016 23,333,333 3,863,991 3,888,889 7,752,880
5 8/25/2016 19,444,444 3,219,993 3,888,889 7,108,882
6 2/25/2017 15,555,556 2,575,994 3,888,889 6,464,883
7 8/25/2017 11,666,667 1,931,996 3,888,889 5,820,884
8 2/25/2018 7,777,778 1,287,997 3,888,889 5,176,886
9 8/25/2018 3,888,889 643,999 3,888,889 4,532,887
 DIARIA
MENSUAL
TRIMESTRAL
SEMESTRAL

EA

bimensual
Cuatrimestral
Bimestral

ABLE

% diaria. Liquidar con amortización

vp $ 35,000,000
EA nper 4.5 AÑOS 9
TASA 0.084% DIARIA 30.66%
SEMESTRAL
CUOTA F $ 7,746,572
SALDO FINAL
35,000,000 NRO FECHA SALDO I INTERES
33,049,414 0 2/25/2014 $ 35,000,000 $ -
30,775,813 1 8/25/2014 $ 35,000,000 $ 5,795,987
28,125,703 2 2/25/2015 $ 33,049,414 $ 5,472,970
25,036,737 3 8/25/2015 $ 30,775,813 $ 5,096,463
21,436,239 4 2/25/2016 $ 28,125,703 $ 4,657,606
17,239,500 5 8/25/2016 $ 25,036,737 $ 4,146,074
12,347,782 6 2/25/2017 $ 21,436,239 $ 3,549,833
 6,645,998 7 8/25/2017 $ 17,239,500 $ 2,854,855
- 8 2/25/2018 $ 12,347,782 $ 2,044,788
9 8/25/2018 $ 6,645,998 $ 1,100,575

EA $ 3,888,889

SEMESTRAL

SALDO FINAL NRO FECHA SALDO I INTERES

35,000,000 0 2/25/2014 $ 35,000,000 $ -
31,111,111 1 8/25/2014 $ 35,000,000 $ 5,795,987
27,222,222 2 2/25/2015 $ 31,111,111 $ 5,151,988
23,333,333 3 8/25/2015 $ 27,222,222 $ 4,507,990
19,444,444 4 2/25/2016 $ 23,333,333 $ 3,863,991
15,555,556 5 8/25/2016 $ 19,444,444 $ 3,219,993
11,666,667 6 2/25/2017 $ 15,555,556 $ 2,575,994
7,777,778 7 8/25/2017 $ 11,666,667 $ 1,931,996
3,888,889 8 2/25/2018 $ 7,777,778 $ 1,287,997
- 9 8/25/2018 $ 3,888,889 $ 643,999
SEMESTRES
NA CD 35.86% EA 33.12% NA CS 16.56% SEMESTRAL

CAPITAL CUOTA FIJA SALDO FINAL

$ - $ - $ 35,000,000
$ 1,950,586 $ 7,746,572 $ 33,049,414
$ 2,273,602 $ 7,746,572 $ 30,775,813
$ 2,650,109 $ 7,746,572 $ 28,125,703
$ 3,088,966 $ 7,746,572 $ 25,036,737
$ 3,600,498 $ 7,746,572 $ 21,436,239
$ 4,196,739 $ 7,746,572 $ 17,239,500
$ 4,891,718 $ 7,746,572 $ 12,347,782
$ 5,701,784 $ 7,746,572 $ 6,645,998
$ 6,645,998 $ 7,746,572 $ -

CAPITAL CUOTA VARIABSALDO FINAL

$ - $ - $ 35,000,000
$ 3,888,889 $ 9,684,876 $ 31,111,111
$ 3,888,889 $ 9,040,877 $ 27,222,222
$ 3,888,889 $ 8,396,879 $ 23,333,333
$ 3,888,889 $ 7,752,880 $ 19,444,444
$ 3,888,889 $ 7,108,882 $ 15,555,556
$ 3,888,889 $ 6,464,883 $ 11,666,667
$ 3,888,889 $ 5,820,884 $ 7,777,778
$ 3,888,889 $ 5,176,886 $ 3,888,889
$ 3,888,889 $ 4,532,887 $ -
Se realiza un credito hipotecario donde el inmueble comercialmente vale $350,000,000 y el banco le presta el 85% del valor de
inmueble, con una tasa de 18% EA y un plazo de 2 años con amortización trimestral, el crédito se desembolsa el 10/10/2014 e
UVR.
uvr base
8/15/2014 100.4589

vp $ 297,500,000 2951939.3780 UVRS

nper 2 años 8 TRIMESTRES
tasa 18% EA 16.90% NA CT 4.22%
CUOTA F $ 44,597,870 442,521.7055 UVRS
K FIJO $ 37,187,500 368,992.4222 UVRS
LIQUIDAR UVRS
FECHAS IPC FECHA BASE UVR FECHAS PAGO UVR PAGO
2014-07 0.15% 8/15/2014 100.4589
2014-08 0.20% 9/15/2014 100.6109 10/10/2014 100.7812
2014-09 0.14% 10/15/2014 100.8153
2014-10 0.16% 11/15/2014 100.9523
2014-11 0.13% 12/15/2014 101.1186 1/10/2015 101.2304
2014-12 0.27% 1/15/2015 101.2519
2015-01 0.64% 2/15/2015 101.5220
2015-02 1.15% 3/15/2015 102.1761 4/10/2015 103.1604
2015-03 0.59% 4/15/2015 103.3507
2015-04 0.54% 5/15/2015 103.9562
2015-05 0.26% 6/15/2015 104.5145 7/10/2015 104.7436
2015-06 0.10% 7/15/2015 104.7895
2015-07 0.19% 8/15/2015 104.8995
2015-08 0.48% 9/15/2015 105.0938 10/10/2015 105.5140
2015-09 0.72% 10/15/2015 105.5983
2015-10 0.68% 11/15/2015 106.3539
2015-11 0.60% 12/15/2015 107.0793 1/10/2016 107.6206
2015-12 0.62% 1/15/2016 107.7250
2016-01 1.29% 2/15/2016 108.3941
2016-02 1.28% 3/15/2016 109.7931 4/10/2016 110.9702
2016-03 0.94% 4/15/2016 111.1980
2016-04 0.50% 5/15/2016 112.2474
2016-05 0.51% 6/15/2016 112.8042 7/10/2016 113.2832
2016-06 0.48% 7/15/2016 113.3793
2016-07 0.52% 8/15/2016 113.9231
2016-08 -0.32% 9/15/2016 114.5155 10/10/2016 114.2101

LIQUIDAR CREDITO CUOTA FIJA EN UVR

NRO FECHA SALDO INICIAL INTERES CAPITAL CUOTA F
0 10/10/2014 2951939.3780 0 0 0
1 1/10/2015 2951939.3780 124,709.5068 317,812.1988 442,521.7055
2 4/10/2015 2634127.1792 111,283.0107 331,238.6949 442,521.7055
 3 7/10/2015 2302888.4844 97,289.2903 345,232.4152 442,521.7055
4 10/10/2015 1957656.0691 82,704.3823 359,817.3232 442,521.7055
5 1/10/2016 1597838.7459 67,503.3110 375,018.3945 442,521.7055
6 4/10/2016 1222820.3514 51,660.0456 390,861.6599 442,521.7055
7 7/10/2016 831958.6914 35,147.4556 407,374.2500 442,521.7055
8 10/10/2016 424584.4414 17,937.2641 424,584.4414 442,521.7055

LIQUIDAR CREDITO CAPITAL FIJO EN UVR

NRO FECHA SALDO INICIAL INTERES CAPITAL FIJO CUOTA V
0 10/10/2014 2951939.3780 0 0 0
1 1/10/2015 2951939.3780 124,709.5068 368,992.4222 493,701.9290
2 4/10/2015 2582946.9557 109,120.8184 368,992.4222 478,113.2407
3 7/10/2015 2213954.5335 93,532.1301 368,992.4222 462,524.5523
4 10/10/2015 1844962.1112 77,943.4417 368,992.4222 446,935.8640
5 1/10/2016 1475969.6890 62,354.7534 368,992.4222 431,347.1756
6 4/10/2016 1106977.2667 46,766.0650 368,992.4222 415,758.4873
7 7/10/2016 737984.8445 31,177.3767 368,992.4222 400,169.7989
8 10/10/2016 368992.4222 15,588.6883 368,992.4222 384,581.1106

Se realiza un credito hipotecario donde el inmueble tiene valor comercial de 195SMLMV y el banco le presta el 75% de su valo
comercial a un plazo de 20 trimestres y una tasa del 15,65% NA CM liquidar credito con cuota fija en uvr y capital fijo en uvr,
con fecha de desembolso 14/11/2013 y ka UVR del 15/05/2013 es de 102,3254 y la amortizacion es semestral

UVR BASE
5/15/2013 102.3254
114,952,500 VP 86,214,375 832,694.1 UVRS
n per 20 TRIMESTRES 10 SEMESTRES
tasa 15.65% NACM 16.82% EA 16.17%
CUOTA F $ 12,897,559 $ 2,685,350.00
K FIJO $ 8,621,438 83,269.41

LIQUIDAR UVRS
FECHAS IPC FECHA BASE UVR FECHAS PAGO UVR PAGO
2013-04 0.25% 5/15/2013 102.3254
2013-05 0.28% 6/15/2013 102.5842
2013-06 0.23% 7/15/2013 102.8701
2013-07 0.04% 8/15/2013 103.1117
2013-08 0.08% 9/15/2013 103.1580
2013-09 0.29% 10/15/2013 103.2440 11/14/2013 103.5367
2013-10 -0.26% 11/15/2013 103.5464
2013-11 -0.22% 12/15/2013 103.2777
2013-12 0.26% 1/15/2014 103.0543
2014-01 0.49% 2/15/2014 103.3259
2014-02 0.63% 3/15/2014 103.8284
2014-03 0.39% 4/15/2014 104.4833 5/14/2014 104.8814
2014-04 0.46% 5/15/2014 104.8951
2014-05 0.48% 6/15/2014 105.3753
2014-06 0.09% 7/15/2014 105.8850
2014-07 0.15% 8/15/2014 105.9837
2014-08 0.20% 9/15/2014 106.1440
2014-09 0.14% 10/15/2014 106.3597 11/14/2014 106.4995
2014-10 0.16% 11/15/2014 106.5042
2014-11 0.13% 12/15/2014 106.6797
2014-12 0.27% 1/15/2015 106.8203
2015-01 0.64% 2/15/2015 107.1053
2015-02 1.15% 3/15/2015 107.7953
2015-03 0.59% 4/15/2015 109.0346 5/14/2015 109.6520
2015-04 0.54% 5/15/2015 109.6733
2015-05 0.26% 6/15/2015 110.2624
2015-06 0.10% 7/15/2015 110.5524
2015-07 0.19% 8/15/2015 110.6685
2015-08 0.48% 9/15/2015 110.8735
2015-09 0.72% 10/15/2015 111.4057 11/14/2015 112.1771
2015-10 0.68% 11/15/2015 112.2029
2015-11 0.60% 12/15/2015 112.9682
2015-12 0.62% 1/15/2016 113.6494
2016-01 1.29% 2/15/2016 114.3553
2016-02 1.28% 3/15/2016 115.8312
2016-03 0.94% 4/15/2016 117.3134 5/14/2016 118.3834
2016-04 0.50% 5/15/2016 118.4205
2016-05 0.51% 6/15/2016 119.0079
2016-06 0.48% 7/15/2016 119.6146
2016-07 0.52% 8/15/2016 120.1884
2016-08 -0.32% 9/15/2016 120.8133
2016-09 -0.05% 10/15/2016 120.4268 11/14/2016 120.3653
2016-10 -0.06% 11/15/2016 120.3632
2016-11 0.11% 12/15/2016 120.2911
2016-12 0.42% 1/15/2017 120.4258
2017-01 1.02% 2/15/2017 120.9278
2017-02 1.01% 3/15/2017 122.1662
2017-03 0.47% 4/15/2017 123.3949 5/14/2017 123.9505
2017-04 0.47% 5/15/2017 123.9697
2017-05 0.23% 6/15/2017 124.5570
2017-06 0.11% 7/15/2017 124.8376
2017-07 -0.05% 8/15/2017 124.9808
2017-08 0.14% 9/15/2017 124.9168
2017-09 0.04% 10/15/2017 125.0918 11/14/2017 125.1405
2017-10 0.02% 11/15/2017 125.1422
 2017-11 0.18% 12/15/2017 125.1631
2017-12 0.38% 1/15/2018 125.3894
2018-01 0.63% 2/15/2018 125.8721
2018-02 0.71% 3/15/2018 126.6614
2018-03 0.24% 4/15/2018 127.5559 5/14/2018 127.8520
2018-04 0.46% 5/15/2018 127.8622
2018-05 0.25% 6/15/2018 128.4526
2018-06 0.15% 7/15/2018 128.7785
2018-07 -0.13% 8/15/2018 128.9777
2018-08 0.12% 9/15/2018 128.8132
2018-09 0.16% 10/15/2018 128.9674 11/14/2018 129.1733

Se realiza un credito hipotecario donde el inmueble tiene valor comercial de 195SMLMV y el banco le presta el 75% de su valo
comercial a un plazo de 20 trimestres y una tasa del 15,65% NA CM liquidar credito con cuota fija en uvr y capital fijo en uvr,
con fecha de desembolso 14/11/2013 y ka UVR del 15/05/2013 es de 102,3254 y la amortizacion es semestral
 Se solicita crédito, valor comercial $ 158,000,000 el banco presta 7/9 de su valor comercial a 30 meses y una tasa del 25% EA
con amortización semestral, se desembolsa el 16/07/2011 y la UVR base del 15/02/2011 es de 99,4568. Liquidar crédito cuota
fija en UVR y capital fijo en UVR y si representación en pesos

2/15/2011 99.4568

VP 122,888,889 1,208,840 UVRS

NPER 30 meses 5 SEMESTRES
TASA 25.00% EA 23.61% NA CS 11.80%
CUOTA F 33,924,693 333,712.23 UVRS 333,712
CAPITAL F 24,577,778 241,767.990 UVRS

FECHA IPC FECHAS BASES UVR BASES FECHAS CREDITO UVR PAGO
2011-01 0.91% 2/15/2011 99.4568
2011-02 0.60% 3/15/2011 100.3619
2011-03 0.27% 4/15/2011 100.9666
2011-04 0.12% 5/15/2011 101.2388
2011-05 0.28% 6/15/2011 101.3594
2011-06 0.32% 7/15/2011 101.6481 7/16/2011 101.6585
2011-07 0.14% 8/15/2011 101.9713
2011-08 -0.03% 9/15/2011 102.1130
2011-09 0.31% 10/15/2011 102.0813
2011-10 0.19% 11/15/2011 102.3965
2011-11 0.14% 12/15/2011 102.5908
2011-12 0.42% 1/15/2012 102.7336 1/16/2012 102.7474
2012-01 0.73% 2/15/2012 103.1639
2012-02 0.61% 3/15/2012 103.9178
2012-03 0.12% 4/15/2012 104.5525
2012-04 0.14% 5/15/2012 104.6801
2012-05 0.30% 6/15/2012 104.8312
2012-06 0.08% 7/15/2012 105.1458 7/16/2012 105.1486
2012-07 -0.02% 8/15/2012 105.2328
2012-08 0.04% 9/15/2012 105.2101
2012-09 0.29% 10/15/2012 105.2532
 2012-10 0.16% 11/15/2012 105.5546
2012-11 -0.14% 12/15/2012 105.7271
2012-12 0.09% 1/15/2013 105.5825 1/16/2013 105.5855
2013-01 0.30% 2/15/2013 105.6763
2013-02 0.44% 3/15/2013 105.9912
2013-03 0.21% 4/15/2013 106.4620
2013-04 0.25% 5/15/2013 106.6810
2013-05 0.28% 6/15/2013 106.9509
2013-06 0.23% 7/15/2013 107.2489 7/16/2013 107.2571
2013-07 0.04% 8/15/2013 107.5008
2013-08 0.08% 9/15/2013 107.5490
2013-09 0.29% 10/15/2013 107.6387
2013-10 -0.26% 11/15/2013 107.9540
2013-11 -0.22% 12/15/2013 107.6738
2013-12 0.26% 1/15/2014 107.4410 1/16/2014 107.4501

LIQUIDACION CREDITO CUOTA FIJA EN UVR

NRO FECHA SALDO INICIAL INTERES CAPITAL V CUOTA F
0 7/16/2011 1,208,840 0 0 0
1 1/16/2012 1,208,840 142,684.2008 191,028.0245 333,712.23
2 7/16/2012 1,017,812 120,136.4011 213,575.8242 333,712.23
3 1/16/2013 804,236 94,927.1947 238,785.0306 333,712.23
4 7/16/2013 565,451 66,742.4451 266,969.7803 333,712.23
5 1/16/2014 298,481 35,230.9370 298,481.2883 333,712.23

IQUIDACION CREDITO CAPITAL FIJO EN UVR

NRO FECHA SALDO INICIAL INTERES CAPITAL F CUOTA V
0 7/16/2011 1,208,840 - - -
1 1/16/2012 1,208,840 142,684.20 241,767.99 384,452
2 7/16/2012 967,072 114,147.36 241,767.99 355,915
3 1/16/2013 725,304 85,610.52 241,767.99 327,379
4 7/16/2013 483,536 57,073.68 241,767.99 298,842
5 1/16/2014 241,768 28,536.84 241,767.99 270,305
 le presta el 85% del valor del
desembolsa el 10/10/2014 en

VP $ 297,500,000
NPER 2 AÑOS 8
TRIMESTRAL TASA 18% EA 16.90%

26

25

CREDITO EN UVR LIQUIDADO EN PESOS

SALDO FINAL UVRS NRO FECHA SALDO INICIAL INTERES CAPITAL
2951939.3780 100.78120242 0 10/10/2014 $ 297,500,000 - $ -
2,634,127.1792 101.23038603 1 1/10/2015 $ 298,825,963 12,624,392 $ 32,172,252
2,302,888.4844 103.16036221 2 4/10/2015 $ 271,737,514 11,479,996 $ 34,170,704
 1,957,656.0691 104.74359168 3 7/10/2015 $ 241,212,811 10,190,430 $ 36,160,883
1,597,838.7459 105.51400994 4 10/10/2015 $ 206,560,142 8,726,471 $ 37,965,769
1,222,820.3514 107.62061454 5 1/10/2016 $ 171,960,388 7,264,748 $ 40,359,710
831,958.6914 110.97018663 6 4/10/2016 $ 135,696,603 5,732,725 $ 43,373,991
424,584.4414 113.28322821 7 7/10/2016 $ 94,246,966 3,981,617 $ 46,148,670
- 114.21012219 8 10/10/2016 $ 48,491,841 2,048,617 $ 48,491,841

CREDITO EN UVR LIQUIDADO EN PESOS

SALDO FINAL UVRS
2951939.3780 100.78120242
2,582,946.9557 101.23038603
2,213,954.5335 103.16036221
1,844,962.1112 104.74359168
1,475,969.6890 105.51400994
1,106,977.2667 107.62061454
737,984.8445 110.97018663
368,992.4222 113.28322821
- 114.21012219
NRO FECHA SALDO INICIAL
0 10/10/2014 $ 297,500,000
1 1/10/2015 $ 298,825,963
2 4/10/2015 $ 266,457,744
3 7/10/2015 $ 231,897,550
4 10/10/2015 $ 194,669,351
5 1/10/2016 $ 158,844,765
6 4/10/2016 $ 122,841,474
7 7/10/2016 $ 83,601,306
8 10/10/2016 $ 42,142,670
INTERES CAPITAL
- $ -
12,624,392 $ 37,353,245
11,256,943 $ 38,065,392
9,796,891 $ 38,649,592
8,224,125 $ 38,933,870
6,710,657 $ 39,711,191
5,189,639 $ 40,947,158
3,531,874 $ 41,800,653
1,780,386 $ 42,142,670

o le presta el 75% de su valor

a en uvr y capital fijo en uvr,
tizacion es semestral

NA CS 8.08% SEMESTRAL

60

DÍAS +31 DE OCT-15 DE OCT QUE LLEVA+14 DE NOVI

30
29

29

30
 29

30

o le presta el 75% de su valor

a en uvr y capital fijo en uvr,
tizacion es semestral
meses y una tasa del 25% EA
,4568. Liquidar crédito cuota

33,924,693

SEMESTRAL
 LIQUIDACION CREDITO CUOTA FIJA EN UVR EN PESOS
SALDO FINAL UVRS NRO FECHA SALDO INICIAL INTERES CAPITAL V
1,208,840 101.6585 0 7/16/2011 122,888,889 - -
1,017,812 102.7474 1 1/16/2012 124,205,216 14,660,437 19,627,641
804,236 105.1486 2 7/16/2012 107,021,461 12,632,170 22,457,191
565,451 105.5855 3 1/16/2013 84,915,671 10,022,935 25,212,237
298,481 107.2571 4 7/16/2013 60,648,642 7,158,601 28,634,404
- 107.4501 5 1/16/2014 32,071,844 3,785,568 32,071,844

LIQUIDACION CREDITO CAPITAL FIJO EN UVR EN PESOS

SALDO FINAL UVRS NRO FECHA SALDO INICIAL INTERES CAPITAL
1,208,840 101.6585 0 7/16/2011 122,888,889 - -
967,072 102.7474 1 1/16/2012 124,205,216 14,660,437 24,841,043
725,304 105.1486 2 7/16/2012 101,686,226 12,002,431 25,421,557
483,536 105.5855 3 1/16/2013 76,581,582 9,039,230 25,527,194
241,768 107.2571 4 7/16/2013 51,862,667 6,121,557 25,931,333
- 107.4501 5 1/16/2014 25,977,995 3,066,286 25,977,995
 TRIMESTRES

N PESOS
CUOTA F SALDO FINAL
$ - $ 297,500,000
$ 44,796,643 $ 266,653,711
$ 45,650,699 $ 237,566,810
 $ 46,351,313 $ 205,051,928
$ 46,692,240 $ 168,594,373
$ 47,624,458 $ 131,600,678
$ 49,106,716 $ 92,322,611
$ 50,130,287 $ 48,098,296
$ 50,540,458 $ -

N PESOS
CUOTA F SALDO FINAL
$ - $ 297,500,000
$ 49,977,637 $ 261,472,717
$ 49,322,335 $ 228,392,352
$ 48,446,483 $ 193,247,958
$ 47,157,995 $ 155,735,480
$ 46,421,848 $ 119,133,574
$ 46,136,797 $ 81,894,316
$ 45,332,527 $ 41,800,653
$ 43,923,056 $ -
UVR EN PESOS
CUOTA F SALDO FINAL
- 122,888,889
34,288,078 104,577,574
35,089,361 84,564,270
35,235,172 59,703,434
35,793,006 32,014,237
35,857,412 -

CUOTA SALDO FINAL

- 122,888,889
39,501,480 99,364,173
37,423,987 76,264,670
34,566,424 51,054,388
32,052,891 25,931,333
29,044,281 -
 Se solicita crédito, valor comercial $ 158,000,000 el banco presta 7/9 de su valor comercial a 30 meses y una tasa del 25% EA con
amortización semestral, se desembolsa el 16/07/2011 y la UVR base del 15/02/2011 es de 99,4568. Liquidar crédito cuota fija en UV
capital fijo en UVR y si representación en pesos

2/15/2011 99.4568

VP 122,888,889 1,208,840 UVRS

NP 30 MESES 5 SEMESTRES
TASA 25% EA 23.61% EA CS 11.80%
CUOTA FIJA 33,924,693
CUOTA VARIABL $ 24,577,778

FECHA IPC FECHA BASE UVR BASE FECHA CREDITO UVR PAGO
2011-01 0.91% 2/15/2011 99.4568
2011-02 0.60% 3/15/2011 100.3619
2011-03 0.27% 4/15/2011 100.9666
2011-04 0.12% 5/15/2011 101.2388
2011-05 0.28% 6/15/2011 101.3594
2011-06 0.32% 7/15/2011 101.6481 7/16/2011 101.6585
2011-07 0.14% 8/15/2011 101.9713
2011-08 -0.03% 9/15/2011 102.1130
2011-09 0.31% 10/15/2011 102.0813
2011-10 0.19% 11/15/2011 102.3965
2011-11 0.14% 12/15/2011 102.5908
2011-12 0.42% 1/15/2012 102.7336 1/16/2012 102.7474
2012-01 0.73% 2/15/2012 103.1639
2012-02 0.61% 3/15/2012 103.9178
2012-03 0.12% 4/15/2012 104.5525
2012-04 0.14% 5/15/2012 104.6801
2012-05 0.30% 6/15/2012 104.8312
2012-06 0.08% 7/15/2012 105.1458 7/16/2012 105.1486
2012-07 -0.02% 8/15/2012 105.2328
2012-08 0.04% 9/15/2012 105.2101
2012-09 0.29% 10/15/2012 105.2532
2012-10 0.16% 11/15/2012 105.5546
2012-11 -0.14% 12/15/2012 105.7271
2012-12 0.09% 1/15/2013 105.5825 1/16/2013 105.5855
2013-01 0.30% 2/15/2013 105.6763
2013-02 0.44% 3/15/2013 105.9912
2013-03 0.21% 4/15/2013 106.4620
2013-04 0.25% 5/15/2013 106.6810
2013-05 0.28% 6/15/2013 106.9509
2013-06 0.23% 7/15/2013 107.2489 7/16/2013 107.2571
2013-07 0.04% 8/15/2013 107.5008
2013-08 0.08% 9/15/2013 107.5490
2013-09 0.29% 10/15/2013 107.6387
2013-10 -0.26% 11/15/2013 107.9540
2013-11 -0.22% 12/15/2013 107.6738
2013-12 0.26% 1/15/2014 107.4410 1/15/2014 107.4501
 30 meses y una tasa del 25% EA con
568. Liquidar crédito cuota fija en UVR y

SEMESTRAL