Entidad Tasa de Interés

Banco A DTF + 4% TA

Banco B IPC + 5%

Banco C 11% E.A.

Banco A
DTF 4.45%
MARGEN FIJO 4%
N.T.A 4.45 + 4
T.T.A (8.45% / 4)
T.T.V 2.11% / (1 - 2.11%)
T.M.V ((1+2.16%)^(1/3))-1

Banco B
IPC 3.75%
MARGEN FIJO 5%
E.A ((1+3.75%)*(1+5%))-1
T.M.V ((1+8.94%)^(1/12))-1

Banco C
E.A ((1+11%)^(1/12))-1
T.M.V 0.873%
 Plazo Sistema de Pagos

60 meses Cuota Fija con Periodo Muerto

48 meses Cuota Fija con Periodo de Gracia

Amortización Constante a
72 meses
Capital

T.A
T.A Se entiende en el ejercicio que el DTF es
trimestral anticipado al igual el 4%
8.45% suministrado ya que lo acompaña las siglas
2.11% T.A, por tal motivo se procede como esta en
el video de apoyo y estas se suman, luedo
2.16% se pasa a tasa mes vencido.
0.715%

E.A
E.A
8.94%
0.716%
Plazo antes del primer abono a
capital

12 meses

6 meses

0 meses
 Monto 135,000,000
Plazo 60
Tasa 0.7150%
P. Gracia 12
Seguro Vida 109*1000000

Nper Cuota Seguro Intereses + Seguro Amortización

0
1 $0 $ 14,655 $ 979,905 -$ 979,905
2 $0 $ 14,655 $ 986,911 -$ 986,911
3 $0 $ 14,655 $ 993,968 -$ 993,968
4 $0 $ 14,655 $ 1,001,075 -$ 1,001,075
5 $0 $ 14,655 $ 1,008,232 -$ 1,008,232
6 $0 $ 14,655 $ 1,015,441 -$ 1,015,441
7 $0 $ 14,655 $ 1,022,702 -$ 1,022,702
8 $0 $ 14,655 $ 1,030,014 -$ 1,030,014
9 $0 $ 14,655 $ 1,037,378 -$ 1,037,378
10 $0 $ 14,655 $ 1,044,796 -$ 1,044,796
11 $0 $ 14,655 $ 1,052,266 -$ 1,052,266
12 $0 $ 14,655 $ 1,059,790 -$ 1,059,790
13 $ 3,649,249 $ 14,655 $ 1,067,367 $ 2,581,882
14 $ 3,649,249 $ 14,655 $ 1,048,907 $ 2,600,342
15 $ 3,649,249 $ 14,655 $ 1,030,314 $ 2,618,935
16 $ 3,649,249 $ 14,655 $ 1,011,589 $ 2,637,660
17 $ 3,649,249 $ 14,655 $ 992,730 $ 2,656,520
18 $ 3,649,249 $ 14,655 $ 973,736 $ 2,675,514
19 $ 3,649,249 $ 14,655 $ 954,606 $ 2,694,644
20 $ 3,649,249 $ 14,655 $ 935,339 $ 2,713,910
21 $ 3,649,249 $ 14,655 $ 915,934 $ 2,733,315
22 $ 3,649,249 $ 14,655 $ 896,391 $ 2,752,858
23 $ 3,649,249 $ 14,655 $ 876,708 $ 2,772,541
24 $ 3,649,249 $ 14,655 $ 856,885 $ 2,792,365
25 $ 3,649,249 $ 14,655 $ 836,919 $ 2,812,330
26 $ 3,649,249 $ 14,655 $ 816,811 $ 2,832,438
27 $ 3,649,249 $ 14,655 $ 796,559 $ 2,852,690
28 $ 3,649,249 $ 14,655 $ 776,162 $ 2,873,087
29 $ 3,649,249 $ 14,655 $ 755,620 $ 2,893,629
30 $ 3,649,249 $ 14,655 $ 734,930 $ 2,914,319
31 $ 3,649,249 $ 14,655 $ 714,093 $ 2,935,156
32 $ 3,649,249 $ 14,655 $ 693,107 $ 2,956,143
33 $ 3,649,249 $ 14,655 $ 671,970 $ 2,977,279
34 $ 3,649,249 $ 14,655 $ 650,683 $ 2,998,567
35 $ 3,649,249 $ 14,655 $ 629,243 $ 3,020,006
36 $ 3,649,249 $ 14,655 $ 607,650 $ 3,041,599
37 $ 3,649,249 $ 14,655 $ 585,902 $ 3,063,347
38 $ 3,649,249 $ 14,655 $ 564,000 $ 3,085,250
39 $ 3,649,249 $ 14,655 $ 541,940 $ 3,107,309
40 $ 3,649,249 $ 14,655 $ 519,723 $ 3,129,527
41 $ 3,649,249 $ 14,655 $ 497,347 $ 3,151,903
42 $ 3,649,249 $ 14,655 $ 474,811 $ 3,174,439
43 $ 3,649,249 $ 14,655 $ 452,113 $ 3,197,136
44 $ 3,649,249 $ 14,655 $ 429,254 $ 3,219,996
45 $ 3,649,249 $ 14,655 $ 406,231 $ 3,243,018
46 $ 3,649,249 $ 14,655 $ 383,043 $ 3,266,206
47 $ 3,649,249 $ 14,655 $ 359,690 $ 3,289,559
48 $ 3,649,249 $ 14,655 $ 336,169 $ 3,313,080
49 $ 3,649,249 $ 14,655 $ 312,481 $ 3,336,768
50 $ 3,649,249 $ 14,655 $ 288,623 $ 3,360,626
51 $ 3,649,249 $ 14,655 $ 264,595 $ 3,384,655
52 $ 3,649,249 $ 14,655 $ 240,394 $ 3,408,855
53 $ 3,649,249 $ 14,655 $ 216,021 $ 3,433,228
54 $ 3,649,249 $ 14,655 $ 191,473 $ 3,457,776
55 $ 3,649,249 $ 14,655 $ 166,750 $ 3,482,499
56 $ 3,649,249 $ 14,655 $ 141,850 $ 3,507,399
57 $ 3,649,249 $ 14,655 $ 116,773 $ 3,532,477
58 $ 3,649,249 $ 14,655 $ 91,515 $ 3,557,734
59 $ 3,649,249 $ 14,655 $ 66,078 $ 3,583,172
60 $ 3,649,249 $ 14,655 $ 40,458 $ 3,608,791
$ 175,163,964 $ 879,300 $ 40,163,964 $ 135,000,000
 Saldo

$ 135,000,000
$ 135,979,905
$ 136,966,816
$ 137,960,784
$ 138,961,859
$ 139,970,091
$ 140,985,532
$ 142,008,234
$ 143,038,248
$ 144,075,626
$ 145,120,422
$ 146,172,688
$ 147,232,477
$ 144,650,595
$ 142,050,253
$ 139,431,318
$ 136,793,658
$ 134,137,138
$ 131,461,624
$ 128,766,981
$ 126,053,070
$ 123,319,756
$ 120,566,898
$ 117,794,357
$ 115,001,992
$ 112,189,662
$ 109,357,224
$ 106,504,534
$ 103,631,447
$ 100,737,818
$ 97,823,499
$ 94,888,342
$ 91,932,200
$ 88,954,921
$ 85,956,354
$ 82,936,348
$ 79,894,749
$ 76,831,402
$ 73,746,152
$ 70,638,843
$ 67,509,316
$ 64,357,414
$ 61,182,975
$ 57,985,839
$ 54,765,843
$ 51,522,825
$ 48,256,619
$ 44,967,059
$ 41,653,980
$ 38,317,211
$ 34,956,585
$ 31,571,931
$ 28,163,076
$ 24,729,847
$ 21,272,071
$ 17,789,573
$ 14,282,174
$ 10,749,697
$ 7,191,963
$ 3,608,791
$0
 Monto 135,000,000
Plazo 48
Tasa 0.7160%
P. Gracia 6
Seguro Vida 109*1000000

Nper Cuota Seguro Intereses + Seguro Amortización

0
1 $ 981,255 $ 14,655 $ 981,255 $0
2 $ 981,255 $ 14,655 $ 981,255 $0
3 $ 981,255 $ 14,655 $ 981,255 $0
4 $ 981,255 $ 14,655 $ 981,255 $0
5 $ 981,255 $ 14,655 $ 981,255 $0
6 $ 981,255 $ 14,655 $ 981,255 $0
7 $ 3,747,835 $ 14,655 $ 981,255 $ 2,766,580
8 $ 3,747,835 $ 14,655 $ 961,446 $ 2,786,389
9 $ 3,747,835 $ 14,655 $ 941,496 $ 2,806,339
10 $ 3,747,835 $ 14,655 $ 921,402 $ 2,826,432
11 $ 3,747,835 $ 14,655 $ 901,165 $ 2,846,670
12 $ 3,747,835 $ 14,655 $ 880,783 $ 2,867,052
13 $ 3,747,835 $ 14,655 $ 860,255 $ 2,887,580
14 $ 3,747,835 $ 14,655 $ 839,580 $ 2,908,255
15 $ 3,747,835 $ 14,655 $ 818,757 $ 2,929,078
16 $ 3,747,835 $ 14,655 $ 797,784 $ 2,950,050
17 $ 3,747,835 $ 14,655 $ 776,662 $ 2,971,173
18 $ 3,747,835 $ 14,655 $ 755,389 $ 2,992,446
19 $ 3,747,835 $ 14,655 $ 733,963 $ 3,013,872
20 $ 3,747,835 $ 14,655 $ 712,383 $ 3,035,452
21 $ 3,747,835 $ 14,655 $ 690,649 $ 3,057,185
22 $ 3,747,835 $ 14,655 $ 668,760 $ 3,079,075
23 $ 3,747,835 $ 14,655 $ 646,714 $ 3,101,121
24 $ 3,747,835 $ 14,655 $ 624,510 $ 3,123,325
25 $ 3,747,835 $ 14,655 $ 602,147 $ 3,145,688
26 $ 3,747,835 $ 14,655 $ 579,624 $ 3,168,211
27 $ 3,747,835 $ 14,655 $ 556,939 $ 3,190,896
28 $ 3,747,835 $ 14,655 $ 534,092 $ 3,213,742
29 $ 3,747,835 $ 14,655 $ 511,082 $ 3,236,753
30 $ 3,747,835 $ 14,655 $ 487,907 $ 3,259,928
31 $ 3,747,835 $ 14,655 $ 464,566 $ 3,283,269
32 $ 3,747,835 $ 14,655 $ 441,058 $ 3,306,777
33 $ 3,747,835 $ 14,655 $ 417,381 $ 3,330,454
34 $ 3,747,835 $ 14,655 $ 393,535 $ 3,354,300
35 $ 3,747,835 $ 14,655 $ 369,518 $ 3,378,317
36 $ 3,747,835 $ 14,655 $ 345,330 $ 3,402,505
37 $ 3,747,835 $ 14,655 $ 320,968 $ 3,426,867
38 $ 3,747,835 $ 14,655 $ 296,431 $ 3,451,404
39 $ 3,747,835 $ 14,655 $ 271,719 $ 3,476,116
40 $ 3,747,835 $ 14,655 $ 246,830 $ 3,501,005
41 $ 3,747,835 $ 14,655 $ 221,763 $ 3,526,072
42 $ 3,747,835 $ 14,655 $ 196,516 $ 3,551,319
43 $ 3,747,835 $ 14,655 $ 171,089 $ 3,576,746
44 $ 3,747,835 $ 14,655 $ 145,479 $ 3,602,355
45 $ 3,747,835 $ 14,655 $ 119,686 $ 3,628,148
46 $ 3,747,835 $ 14,655 $ 93,709 $ 3,654,126
47 $ 3,747,835 $ 14,655 $ 67,545 $ 3,680,289
48 $ 3,747,835 $ 14,655 $ 41,195 $ 3,706,640
$ 163,296,592 $ 703,440 $ 28,296,592 $ 135,000,000
 Saldo

$ 135,000,000
$ 135,000,000
$ 135,000,000
$ 135,000,000
$ 135,000,000
$ 135,000,000
$ 135,000,000
$ 132,233,420
$ 129,447,032
$ 126,640,693
$ 123,814,260
$ 120,967,590
$ 118,100,539
$ 115,212,959
$ 112,304,704
$ 109,375,625
$ 106,425,575
$ 103,454,402
$ 100,461,956
$ 97,448,084
$ 94,412,632
$ 91,355,447
$ 88,276,372
$ 85,175,251
$ 82,051,926
$ 78,906,238
$ 75,738,027
$ 72,547,131
$ 69,333,389
$ 66,096,636
$ 62,836,708
$ 59,553,439
$ 56,246,662
$ 52,916,208
$ 49,561,909
$ 46,183,592
$ 42,781,087
$ 39,354,220
$ 35,902,816
$ 32,426,700
$ 28,925,696
$ 25,399,624
$ 21,848,305
$ 18,271,559
$ 14,669,204
$ 11,041,056
$ 7,386,930
$ 3,706,640
$0
 Monto 135,000,000
Plazo 72
Tasa 0.8730%
Seguro Vida 109*1000000

Nper Cuota Abono K Intereses

1 $ 2,533,515 $ 1,354,965 $ 1,178,550

2 $ 2,533,515 $ 1,366,793 $ 1,166,721
3 $ 2,533,515 $ 1,378,725 $ 1,154,789
4 $ 2,533,515 $ 1,390,762 $ 1,142,753
5 $ 2,533,515 $ 1,402,903 $ 1,130,611
6 $ 2,533,515 $ 1,415,150 $ 1,118,364
7 $ 2,533,515 $ 1,427,505 $ 1,106,010
8 $ 2,533,515 $ 1,439,967 $ 1,093,548
9 $ 2,533,515 $ 1,452,538 $ 1,080,977
10 $ 2,533,515 $ 1,465,218 $ 1,068,296
11 $ 2,533,515 $ 1,478,010 $ 1,055,505
12 $ 2,533,515 $ 1,490,913 $ 1,042,602
13 $ 2,533,515 $ 1,503,928 $ 1,029,586
14 $ 2,533,515 $ 1,517,058 $ 1,016,457
15 $ 2,533,515 $ 1,530,302 $ 1,003,213
16 $ 2,533,515 $ 1,543,661 $ 989,853
17 $ 2,533,515 $ 1,557,137 $ 976,377
18 $ 2,533,515 $ 1,570,731 $ 962,783
19 $ 2,533,515 $ 1,584,444 $ 949,071
20 $ 2,533,515 $ 1,598,276 $ 935,239
21 $ 2,533,515 $ 1,612,229 $ 921,286
22 $ 2,533,515 $ 1,626,304 $ 907,211
23 $ 2,533,515 $ 1,640,501 $ 893,013
24 $ 2,533,515 $ 1,654,823 $ 878,692
25 $ 2,533,515 $ 1,669,269 $ 864,245
26 $ 2,533,515 $ 1,683,842 $ 849,672
27 $ 2,533,515 $ 1,698,542 $ 834,973
28 $ 2,533,515 $ 1,713,370 $ 820,144
29 $ 2,533,515 $ 1,728,328 $ 805,187
30 $ 2,533,515 $ 1,743,416 $ 790,098
31 $ 2,533,515 $ 1,758,636 $ 774,878
32 $ 2,533,515 $ 1,773,989 $ 759,525
33 $ 2,533,515 $ 1,789,476 $ 744,038
34 $ 2,533,515 $ 1,805,098 $ 728,416
35 $ 2,533,515 $ 1,820,857 $ 712,658
36 $ 2,533,515 $ 1,836,753 $ 696,762
37 $ 2,533,515 $ 1,852,788 $ 680,727
38 $ 2,533,515 $ 1,868,963 $ 664,552
39 $ 2,533,515 $ 1,885,279 $ 648,236
40 $ 2,533,515 $ 1,901,737 $ 631,777
41 $ 2,533,515 $ 1,918,339 $ 615,175
42 $ 2,533,515 $ 1,935,086 $ 598,428
43 $ 2,533,515 $ 1,951,980 $ 581,535
44 $ 2,533,515 $ 1,969,020 $ 564,494
45 $ 2,533,515 $ 1,986,210 $ 547,305
46 $ 2,533,515 $ 2,003,550 $ 529,965
47 $ 2,533,515 $ 2,021,041 $ 512,474
48 $ 2,533,515 $ 2,038,684 $ 494,830
49 $ 2,533,515 $ 2,056,482 $ 477,033
50 $ 2,533,515 $ 2,074,435 $ 459,079
51 $ 2,533,515 $ 2,092,545 $ 440,970
52 $ 2,533,515 $ 2,110,813 $ 422,702
53 $ 2,533,515 $ 2,129,240 $ 404,274
54 $ 2,533,515 $ 2,147,828 $ 385,686
55 $ 2,533,515 $ 2,166,579 $ 366,936
56 $ 2,533,515 $ 2,185,493 $ 348,021
57 $ 2,533,515 $ 2,204,573 $ 328,942
58 $ 2,533,515 $ 2,223,819 $ 309,696
59 $ 2,533,515 $ 2,243,232 $ 290,282
60 $ 2,533,515 $ 2,262,816 $ 270,699
61 $ 2,533,515 $ 2,282,570 $ 250,944
62 $ 2,533,515 $ 2,302,497 $ 231,017
63 $ 2,533,515 $ 2,322,598 $ 210,917
64 $ 2,533,515 $ 2,342,874 $ 190,640
65 $ 2,533,515 $ 2,363,327 $ 170,187
66 $ 2,533,515 $ 2,383,959 $ 149,555
67 $ 2,533,515 $ 2,404,771 $ 128,743
68 $ 2,533,515 $ 2,425,765 $ 107,750
69 $ 2,533,515 $ 2,446,942 $ 86,573
70 $ 2,533,515 $ 2,468,304 $ 65,211
71 $ 2,533,515 $ 2,489,852 $ 43,663
72 $ 2,533,515 $ 2,511,588 $ 21,926
$ 135,000,000 $ 47,413,047.06
Seguro Vida Total Cuota Saldo K

$ 14,655 $ 2,548,170 $ 133,645,035

$ 14,655 $ 2,548,170 $ 132,278,242
$ 14,655 $ 2,548,170 $ 130,899,517
$ 14,655 $ 2,548,170 $ 129,508,755
$ 14,655 $ 2,548,170 $ 128,105,852
$ 14,655 $ 2,548,170 $ 126,690,701
$ 14,655 $ 2,548,170 $ 125,263,197
$ 14,655 $ 2,548,170 $ 123,823,230
$ 14,655 $ 2,548,170 $ 122,370,692
$ 14,655 $ 2,548,170 $ 120,905,474
$ 14,655 $ 2,548,170 $ 119,427,464
$ 14,655 $ 2,548,170 $ 117,936,551
$ 14,655 $ 2,548,170 $ 116,432,623
$ 14,655 $ 2,548,170 $ 114,915,565
$ 14,655 $ 2,548,170 $ 113,385,263
$ 14,655 $ 2,548,170 $ 111,841,602
$ 14,655 $ 2,548,170 $ 110,284,465
$ 14,655 $ 2,548,170 $ 108,713,733
$ 14,655 $ 2,548,170 $ 107,129,290
$ 14,655 $ 2,548,170 $ 105,531,014
$ 14,655 $ 2,548,170 $ 103,918,785
$ 14,655 $ 2,548,170 $ 102,292,482
$ 14,655 $ 2,548,170 $ 100,651,980
$ 14,655 $ 2,548,170 $ 98,997,158
$ 14,655 $ 2,548,170 $ 97,327,888
$ 14,655 $ 2,548,170 $ 95,644,046
$ 14,655 $ 2,548,170 $ 93,945,504
$ 14,655 $ 2,548,170 $ 92,232,134
$ 14,655 $ 2,548,170 $ 90,503,806
$ 14,655 $ 2,548,170 $ 88,760,390
$ 14,655 $ 2,548,170 $ 87,001,753
$ 14,655 $ 2,548,170 $ 85,227,764
$ 14,655 $ 2,548,170 $ 83,438,288
$ 14,655 $ 2,548,170 $ 81,633,190
$ 14,655 $ 2,548,170 $ 79,812,333
$ 14,655 $ 2,548,170 $ 77,975,580
$ 14,655 $ 2,548,170 $ 76,122,792
$ 14,655 $ 2,548,170 $ 74,253,830
$ 14,655 $ 2,548,170 $ 72,368,551
$ 14,655 $ 2,548,170 $ 70,466,814
$ 14,655 $ 2,548,170 $ 68,548,475
$ 14,655 $ 2,548,170 $ 66,613,388
$ 14,655 $ 2,548,170 $ 64,661,409
$ 14,655 $ 2,548,170 $ 62,692,388
$ 14,655 $ 2,548,170 $ 60,706,178
$ 14,655 $ 2,548,170 $ 58,702,629
$ 14,655 $ 2,548,170 $ 56,681,588
$ 14,655 $ 2,548,170 $ 54,642,904
$ 14,655 $ 2,548,170 $ 52,586,422
$ 14,655 $ 2,548,170 $ 50,511,987
$ 14,655 $ 2,548,170 $ 48,419,442
$ 14,655 $ 2,548,170 $ 46,308,629
$ 14,655 $ 2,548,170 $ 44,179,389
$ 14,655 $ 2,548,170 $ 42,031,560
$ 14,655 $ 2,548,170 $ 39,864,981
$ 14,655 $ 2,548,170 $ 37,679,488
$ 14,655 $ 2,548,170 $ 35,474,915
$ 14,655 $ 2,548,170 $ 33,251,097
$ 14,655 $ 2,548,170 $ 31,007,864
$ 14,655 $ 2,548,170 $ 28,745,048
$ 14,655 $ 2,548,170 $ 26,462,478
$ 14,655 $ 2,548,170 $ 24,159,981
$ 14,655 $ 2,548,170 $ 21,837,383
$ 14,655 $ 2,548,170 $ 19,494,509
$ 14,655 $ 2,548,170 $ 17,131,181
$ 14,655 $ 2,548,170 $ 14,747,222
$ 14,655 $ 2,548,170 $ 12,342,451
$ 14,655 $ 2,548,170 $ 9,916,686
$ 14,655 $ 2,548,170 $ 7,469,744
$ 14,655 $ 2,548,170 $ 5,001,440
$ 14,655 $ 2,548,170 $ 2,511,588
$ 14,655 $ 2,548,170 ($ 0)
1,055,160 183,468,207