Créditos del fondo de capacitación del sistema financiero

Plazo: 5 años
Periodo de gracia en capital con pago de intereses: 2 años
Intereses: 14,2% NA/BV (nominal anual bimestre vencido)
Amortizaciones semestre vencido. (Aportes iguales a capital)
Monto máximo: $100.000.000

P 100,000,000
i 14.20% NABV
15.07% EA
7.27% Semestre vencido La tasa de interés debe estar en la m
n 10

N Cuota Interés
0
1 7,269,358.93 7,269,358.93
2 7,269,358.93 7,269,358.93
3 7,269,358.93 7,269,358.93
4 7,269,358.93 7,269,358.93
5 23,936,025.60 7,269,358.93
6 22,724,465.77 6,057,799.11
7 21,512,905.95 4,846,239.29
8 20,301,346.13 3,634,679.46
9 19,089,786.31 2,423,119.64
10 17,878,226.49 1,211,559.82

Crédito de cartera ordinaria en las siguientes condiciones:

Plazo: 4 años
Interés: 27% NA/SV
Comisión: 2% (se cobra al momento del desembolso)
Amortizaciones: Semestre vencido (cuotas uniformes, es decir, iguales)
Monto máximo: $120.000.000

P 120,000,000 N Cuota
i 27% NASV 0
13.5% SV 1 $ 25,435,933.21
Comisión 2% 2 $ 25,435,933.21
n 8 3 $ 25,435,933.21
4 $ 25,435,933.21
5 $ 25,435,933.21
6 $ 25,435,933.21
7 $ 25,435,933.21
8 $ 25,435,933.21
Proveedores a largo plazo
Plazo: 2 años
Interés: 28% EA
Amortizaciones: Trimestre Vencido. (Aportes iguales a capital)
Monto máximo: $ 60.000.000

P 60,000,000 N Cuota
i 28% EA 0
6.4% TV 1 $ 11,319,550.76
Comisión 0% 2 $ 10,842,106.92
n 8 3 $ 10,364,663.07
4 $ 9,887,219.23
5 $ 9,409,775.38
6 $ 8,932,331.54
7 $ 8,454,887.69
8 $ 7,977,443.85

Crédito ordinario:
Plazo 5 años
Interés: 25% EA
Seguro: 1% Anticipado
Comisión: 2.5%
Amortización: anual vencida, cuota uniforme
Monto máximo: $70.000.000

P 70,000,000 N Cuota Interés

i 25% 0
n 5 1 $ 26,029,271.78 17,500,000
Seguro 1% 2 $ 26,029,271.78 15,367,682
Comisión 2.50% 3 $ 26,029,271.78 12,702,285
4 $ 26,029,271.78 9,370,538
5 $ 26,029,271.78 5,205,854

Crédito con una corporación financiera

Plazo: 3 años
Tasa: 23,872053% EA
Monto: $40 millones
Amortización: mensual, cuota creciente.
Valor de la primera cuota: $ 625.257,5234
Gradiente: 5%
Se cobra un seguro del 0.1% del valor desembolsado inicial al inicio de cada año
Comisión: 1,2% al momento del desembolso.
Gradiente: 5%
Se cobra un seguro del 0.1% del valor desembolsado inicial al inicio de cada año
Comisión: 1,2% al momento del desembolso.

P 40,000,000 N Cuota
i 23.87% EA 0
1.8% mv 1 625,257.52
Cuota 1 625,257.52 2 656,520
g 5% 3 689,346
Seguro 0.10% 4 723,814
Comisión 1.20% 5 760,004
n 36 6 798,005
7 837,905
8 879,800
9 923,790
10 969,980
11 1,018,479
12 1,069,403
13 1,122,873
14 1,179,016
15 1,237,967
16 1,299,865
17 1,364,859
18 1,433,102
19 1,504,757
20 1,579,995
21 1,658,994
22 1,741,944
23 1,829,041
24 1,920,493
25 2,016,518
26 2,117,344
27 2,223,211
28 2,334,372
29 2,451,090
30 2,573,645
31 2,702,327
32 2,837,443
33 2,979,316
34 3,128,281
35 3,284,695
36 3,448,930
 Tasa impositiva 33%

de interés debe estar en la misma periodicidad de los pagos

Beneficio
Aporte a Capital Saldo Seguro Comisión tributario Flujo de deuda
100,000,000 100,000,000
100,000,000 - 7,269,359
100,000,000 4,797,776.89 - 2,471,582
100,000,000 - 7,269,359
100,000,000 4,797,776.89 - 2,471,582
16,666,667 83,333,333 - 23,936,026
16,666,667 66,666,667 4,397,962.15 - 18,326,504
16,666,667 50,000,000 - 21,512,906
16,666,667 33,333,333 2,798,703.19 - 17,502,643
16,666,667 16,666,667 - 19,089,786
16,666,667 - 1,199,444.22 - 16,678,782

Beneficio
Interés Aporte a Capital Saldo Seguro Comisión tributario
120,000,000 2,400,000
16,200,000.0 $ 9,235,933.21 110,764,067
14,953,149.0 $ 10,482,784.20 100,281,283 11,072,539.2
13,537,973.1 $ 11,897,960.06 88,383,323
11,931,748.5 $ 13,504,184.67 74,879,138 8,405,008.2
10,108,683.6 $ 15,327,249.60 59,551,888
8,039,504.9 $ 17,396,428.30 42,155,460 5,988,902.2
5,690,987.1 $ 19,744,946.12 22,410,514
3,025,419.4 $ 22,410,513.84 - 2,876,414.1
 Beneficio
Interés Aporte a Capital Saldo Seguro Comisión tributario
60,000,000 -
3,819,550.8 $ 7,500,000.00 52,500,000
3,342,106.9 $ 7,500,000.00 45,000,000
2,864,663.1 $ 7,500,000.00 37,500,000
2,387,219.2 $ 7,500,000.00 30,000,000 1,733,121.2
1,909,775.4 $ 7,500,000.00 22,500,000
1,432,331.5 $ 7,500,000.00 15,000,000
954,887.7 $ 7,500,000.00 7,500,000
477,443.8 $ 7,500,000.00 - 472,669.4

Beneficio
Aporte a Capital Saldo Seguro Comisión tributario Flujo de deuda
70,000,000 700,000 1,750,000 67,550,000
$ 8,529,271.78 61,470,728.22 6,583,500 -$ 19,445,772
$ 10,661,589.72 50,809,138.51 5,071,335 -$ 20,957,937
$ 13,326,987.15 37,482,151.36 4,191,754 -$ 21,837,518
$ 16,658,733.94 20,823,417.42 3,092,277 -$ 22,936,994
$ 20,823,417.42 - 1,717,932 -$ 24,311,340
17.83%
 Beneficio
Interés Aporte a Capital Saldo Seguro Comisión tributario
40,000,000 40,000.00 480,000.00
720,000.0 - 94,742.47 40,094,742.47
721,705.4 - 65,184.96 40,159,927.43
722,878.7 - 33,532.27 40,193,459.70
723,482.3 331.47 40,193,128.23
723,476.3 36,528.12 40,156,600.11
722,818.8 75,185.85 40,081,414.26
721,465.5 116,439.43 39,964,974.83
719,369.5 160,430.58 39,804,544.25
716,481.8 207,308.34 39,597,235.91
712,750.2 257,229.40 39,340,006.51
708,120.1 310,358.51 39,029,648.00
702,533.7 366,868.89 38,662,779.11 3,014,577.13
695,930.0 426,942.66 38,235,836.45 40,000.00
688,245.1 490,771.26 37,745,065.19
679,411.2 558,555.96 37,186,509.23
669,357.2 630,508.32 36,556,000.91
658,008.0 706,850.75 35,849,150.16
645,284.7 787,817.00 35,061,333.17
631,104.0 873,652.79 34,187,680.38
615,378.2 964,616.38 33,223,064.00
598,015.1 1,060,979.20 32,162,084.80
578,917.5 1,163,026.55 30,999,058.25
557,983.0 1,271,058.23 29,728,000.02
535,104.0 1,385,389.34 28,342,610.68 2,505,603.56
510,167.0 1,506,351.01 26,836,259.67 40,000.00
483,052.7 1,634,291.23 25,201,968.43
453,635.4 1,769,575.67 23,432,392.76
421,783.1 1,912,588.59 21,519,804.18
387,356.5 2,063,733.76 19,456,070.41
350,209.3 2,223,435.48 17,232,634.93
310,187.4 2,392,139.56 14,840,495.37
267,128.9 2,570,314.42 12,270,180.95
220,863.3 2,758,452.25 9,511,728.71
171,211.1 2,957,070.16 6,554,658.55
117,983.9 3,166,711.49 3,387,947.06
60,983.0 3,387,947.06 - 0.00 1,252,205.30
Flujo de deuda
117,600,000
-$ 25,435,933
-$ 14,363,394
-$ 25,435,933
-$ 17,030,925
-$ 25,435,933
-$ 19,447,031
-$ 25,435,933
-$ 22,559,519
9.65% SV
 20.23% EA

Flujo de deuda
60,000,000
-$ 11,319,551
-$ 10,842,107
-$ 10,364,663
-$ 8,154,098
-$ 9,409,775
-$ 8,932,332
-$ 8,454,888
-$ 7,504,774
5.62%

EA
Flujo de deuda
39,480,000
- 625,258
- 656,520
- 689,346
- 723,814
- 760,004
- 798,005
- 837,905
- 879,800
- 923,790
- 969,980
- 1,018,479
1,945,175
- 1,162,873
- 1,179,016
- 1,237,967
- 1,299,865
- 1,364,859
- 1,433,102
- 1,504,757
- 1,579,995
- 1,658,994
- 1,741,944
- 1,829,041
585,110
- 2,056,518
- 2,117,344
- 2,223,211
- 2,334,372
- 2,451,090
- 2,573,645
- 2,702,327
- 2,837,443
- 2,979,316
- 3,128,281
- 3,284,695
- 2,196,725
1.30% MV
16.70% EA