Falta por pagar

Cuotas 18 $ 2,025,252.76
Gradiente 2.40% Decreciente
Interes 3.10%
1 Cuota 400000 3.30%
15

PERIODOS CUOTAS SALDO CREDITO ABONO CAPITAL

0 $ 4,561,674
1 $ 400,000 $ 4,303,085.94 $ 258,588.10
2 $ 390,400 $ 4,046,081.60 $ 257,004.34
3 $ 381,030 $ 3,790,479.73 $ 255,601.87
4 $ 371,886 $ 3,536,098.93 $ 254,380.80
5 $ 362,960 $ 3,282,757.59 $ 253,341.35
6 $ 354,249 $ 3,030,273.71 $ 252,483.88
7 $ 345,747 $ 2,778,464.81 $ 251,808.89
8 $ 337,449 $ 2,527,147.78 $ 251,317.03
9 $ 329,351 $ 2,276,138.70 $ 251,009.07
10 $ 321,446 $ 2,025,252.76 $ 250,885.94
11 $ 313,732 $ 1,774,304.07 $ 250,948.69
12 $ 306,202 $ 1,523,105.52 $ 251,198.55
13 $ 298,853 $ 1,271,468.67 $ 251,636.86
14 $ 291,681 $ 1,019,203.54 $ 252,265.12
15 $ 284,680 $ 766,118.54 $ 253,085.01
16 $ 277,848 $ 512,020.22 $ 254,098.31
17 $ 271,180 $ 256,713.22 $ 255,307.01
18 $ 264,671 $ 0.00 $ 256,713.22
A $ 4,561,674
B $ 2,536,421.28
C
nueva cuota $ 173,350.95
cuotas

ABONO INTERES

$ 141,411.90
$ 133,395.66
$ 125,428.53
$ 117,504.87
$ 109,619.07
$ 101,765.49
$ 93,938.48
$ 86,132.41
$ 78,341.58
$ 70,560.30
$ 62,782.84
$ 55,003.43
$ 47,216.27
$ 39,415.53
$ 31,595.31
$ 23,749.67
$ 15,872.63
$ 7,958.11
 Una deuda se debe cancelar con 18 cuotas mensuales tales que cada cuota decrece en el 2,4%
financiacion es del 3,1% mensual y el valor de la primera cuota es de $400.000. a) Encuentre el v
lo que se ha pagado una vez cancelada la cuota 10, y C) Si al pagar la cuota 10 se solicita refin
para cancelarlo con 15 cuotas mensuales iguales un interes del 3,3% mensual. Determ

Falta por pagar

Cuotas 18 $ 1,455,180.28
Gradiente 2.40% Decreciente
Interes 3.10%
1 Cuota 400000 3.30%
15

PERIODOS CUOTAS SALDO CREDITO ABONO CAPITAL

0 $ 5,455,180
1 $ 400,000 $ 5,055,180.28 $ 400,000.00
2 $ 400,000 $ 4,655,180.28 $ 400,000.00
3 $ 400,000 $ 4,255,180.28 $ 400,000.00
4 $ 400,000 $ 3,855,180.28 $ 400,000.00
5 $ 400,000 $ 3,455,180.28 $ 400,000.00
6 $ 400,000 $ 3,055,180.28 $ 400,000.00
7 $ 400,000 $ 2,655,180.28 $ 400,000.00
8 $ 400,000 $ 2,255,180.28 $ 400,000.00
9 $ 400,000 $ 1,855,180.28 $ 400,000.00
10 $ 400,000 $ 1,455,180.28 $ 400,000.00
11 $ 400,000 $ 1,055,180.28 $ 400,000.00
12 $ 400,000 $ 655,180.28 $ 400,000.00
13 $ 400,000 $ 255,180.28 $ 400,000.00
14 $ 400,000 -$ 144,819.72 $ 400,000.00
15 $ 400,000 -$ 544,819.72 $ 400,000.00
16 $ 400,000 -$ 944,819.72 $ 400,000.00
17 $ 400,000 -$ 1,344,819.72 $ 400,000.00
18 $ 400,000 -$ 1,744,819.72 $ 400,000.00
es que cada cuota decrece en el 2,4% respecto a la cuota anterior. Si el interes de
uota es de $400.000. a) Encuentre el valor del prestamo, b) Hallar el acumulado de
Si al pagar la cuota 10 se solicita refinanciar el saldo existente en dicho momento
s un interes del 3,3% mensual. Determine el valor de las nuevas cuotas.

A $ 5,455,180
B $ 4,000,000.00
C
nueva cuota $ 124,555.75
cuotas

ABONO INTERES

$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
 Prestamo $ 15,000,000.00
Periodo 10 120
Incremento 3%
Interes 25% 1.877%

PERIODOS CUOTAS SALDO CREDITO ABONO CAPITAL

0 $ 15,000,000.00
1 $ 289,534.72 $ 14,992,004.261 $ 7,995.739
2 $ 289,534.72 $ 14,983,858.448 $ 8,145.813
3 $ 289,534.72 $ 14,975,559.744 $ 8,298.704
4 $ 289,534.72 $ 14,967,105.280 $ 8,454.465
5 $ 289,534.72 $ 14,958,492.131 $ 8,613.149
6 $ 289,534.72 $ 14,949,717.320 $ 8,774.811
7 $ 289,534.72 $ 14,940,777.812 $ 8,939.508
8 $ 289,534.72 $ 14,931,670.516 $ 9,107.296
9 $ 289,534.72 $ 14,922,392.283 $ 9,278.233
10 $ 289,534.72 $ 14,912,939.905 $ 9,452.379
11 $ 289,534.72 $ 14,903,310.112 $ 9,629.793
12 $ 289,534.72 $ 14,893,499.575 $ 9,810.537
13 $ 298,220.76 $ 14,874,818.860 $ 18,680.715
14 $ 298,220.76 $ 14,855,787.521 $ 19,031.338
15 $ 298,220.76 $ 14,836,398.979 $ 19,388.543
16 $ 298,220.76 $ 14,816,646.527 $ 19,752.451
17 $ 298,220.76 $ 14,796,523.337 $ 20,123.190
18 $ 298,220.76 $ 14,776,022.449 $ 20,500.888
19 $ 298,220.76 $ 14,755,136.775 $ 20,885.674
20 $ 298,220.76 $ 14,733,859.092 $ 21,277.683
21 $ 298,220.76 $ 14,712,182.042 $ 21,677.050
22 $ 298,220.76 $ 14,690,098.130 $ 22,083.912
23 $ 298,220.76 $ 14,667,599.720 $ 22,498.411
24 $ 298,220.76 $ 14,644,679.030 $ 22,920.689
25 $ 307,167.38 $ 14,612,381.514 $ 32,297.517
26 $ 307,167.38 $ 14,579,477.797 $ 32,903.717
27 $ 307,167.38 $ 14,545,956.501 $ 33,521.296
28 $ 307,167.38 $ 14,511,806.035 $ 34,150.466
29 $ 307,167.38 $ 14,477,014.590 $ 34,791.445
30 $ 307,167.38 $ 14,441,570.135 $ 35,444.455
31 $ 307,167.38 $ 14,405,460.414 $ 36,109.721
32 $ 307,167.38 $ 14,368,672.940 $ 36,787.474
33 $ 307,167.38 $ 14,331,194.992 $ 37,477.948
34 $ 307,167.38 $ 14,293,013.610 $ 38,181.382
35 $ 307,167.38 $ 14,254,115.592 $ 38,898.018
36 $ 307,167.38 $ 14,214,487.487 $ 39,628.105
37 $ 316,382.40 $ 14,164,900.570 $ 49,586.917
38 $ 316,382.40 $ 14,114,382.943 $ 50,517.627
39 $ 316,382.40 $ 14,062,917.137 $ 51,465.806
40 $ 316,382.40 $ 14,010,485.356 $ 52,431.781
41 $ 316,382.40 $ 13,957,069.469 $ 53,415.887
42 $ 316,382.40 $ 13,902,651.004 $ 54,418.464
43 $ 316,382.40 $ 13,847,211.146 $ 55,439.859
44 $ 316,382.40 $ 13,790,730.722 $ 56,480.424
45 $ 316,382.40 $ 13,733,190.202 $ 57,540.520
46 $ 316,382.40 $ 13,674,569.688 $ 58,620.513
47 $ 316,382.40 $ 13,614,848.911 $ 59,720.777
48 $ 316,382.40 $ 13,554,007.218 $ 60,841.692
49 $ 325,873.87 $ 13,482,532.100 $ 71,475.118
50 $ 325,873.87 $ 13,409,715.446 $ 72,816.654
51 $ 325,873.87 $ 13,335,532.077 $ 74,183.369
52 $ 325,873.87 $ 13,259,956.341 $ 75,575.736
53 $ 325,873.87 $ 13,182,962.104 $ 76,994.237
54 $ 325,873.87 $ 13,104,522.741 $ 78,439.363
55 $ 325,873.87 $ 13,024,611.129 $ 79,911.612
56 $ 325,873.87 $ 12,943,199.636 $ 81,411.494
57 $ 325,873.87 $ 12,860,260.108 $ 82,939.528
58 $ 325,873.87 $ 12,775,763.866 $ 84,496.242
59 $ 325,873.87 $ 12,689,681.692 $ 86,082.174
60 $ 325,873.87 $ 12,601,983.818 $ 87,697.873
61 $ 335,650.09 $ 12,502,863.704 $ 99,120.114
62 $ 335,650.09 $ 12,401,883.178 $ 100,980.526
63 $ 335,650.09 $ 12,299,007.322 $ 102,875.856
64 $ 335,650.09 $ 12,194,200.562 $ 104,806.760
65 $ 335,650.09 $ 12,087,426.656 $ 106,773.906
66 $ 335,650.09 $ 11,978,648.682 $ 108,777.974
67 $ 335,650.09 $ 11,867,829.025 $ 110,819.657
68 $ 335,650.09 $ 11,754,929.365 $ 112,899.660
69 $ 335,650.09 $ 11,639,910.661 $ 115,018.704
70 $ 335,650.09 $ 11,522,733.141 $ 117,177.520
71 $ 335,650.09 $ 11,403,356.285 $ 119,376.856
72 $ 335,650.09 $ 11,281,738.812 $ 121,617.472
73 $ 345,719.59 $ 11,147,769.167 $ 133,969.645
74 $ 345,719.59 $ 11,011,285.010 $ 136,484.157
75 $ 345,719.59 $ 10,872,239.145 $ 139,045.865
76 $ 345,719.59 $ 10,730,583.492 $ 141,655.653
77 $ 345,719.59 $ 10,586,269.066 $ 144,314.426
78 $ 345,719.59 $ 10,439,245.965 $ 147,023.101
79 $ 345,719.59 $ 10,289,463.348 $ 149,782.617
80 $ 345,719.59 $ 10,136,869.421 $ 152,593.927
81 $ 345,719.59 $ 9,981,411.419 $ 155,458.003
82 $ 345,719.59 $ 9,823,035.584 $ 158,375.835
83 $ 345,719.59 $ 9,661,687.151 $ 161,348.433
84 $ 345,719.59 $ 9,497,310.326 $ 164,376.825
85 $ 356,091.18 $ 9,319,476.682 $ 177,833.645
86 $ 356,091.18 $ 9,138,305.230 $ 181,171.451
87 $ 356,091.18 $ 8,953,733.324 $ 184,571.906
88 $ 356,091.18 $ 8,765,697.139 $ 188,036.185
89 $ 356,091.18 $ 8,574,131.652 $ 191,565.486
90 $ 356,091.18 $ 8,378,970.622 $ 195,161.030
91 $ 356,091.18 $ 8,180,146.563 $ 198,824.059
92 $ 356,091.18 $ 7,977,590.723 $ 202,555.840
93 $ 356,091.18 $ 7,771,233.058 $ 206,357.665
94 $ 356,091.18 $ 7,561,002.212 $ 210,230.846
95 $ 356,091.18 $ 7,346,825.487 $ 214,176.725
96 $ 356,091.18 $ 7,128,628.823 $ 218,196.665
97 $ 366,773.92 $ 6,895,654.032 $ 232,974.791
98 $ 366,773.92 $ 6,658,306.475 $ 237,347.557
99 $ 366,773.92 $ 6,416,504.079 $ 241,802.396
100 $ 366,773.92 $ 6,170,163.230 $ 246,340.849
101 $ 366,773.92 $ 5,919,198.744 $ 250,964.486
102 $ 366,773.92 $ 5,663,523.839 $ 255,674.905
103 $ 366,773.92 $ 5,403,050.104 $ 260,473.735
104 $ 366,773.92 $ 5,137,687.469 $ 265,362.635
105 $ 366,773.92 $ 4,867,344.172 $ 270,343.297
106 $ 366,773.92 $ 4,591,926.729 $ 275,417.442
107 $ 366,773.92 $ 4,311,339.904 $ 280,586.825
108 $ 366,773.92 $ 4,025,486.671 $ 285,853.234
109 $ 377,777.13 $ 3,723,264.964 $ 302,221.706
110 $ 377,777.13 $ 3,415,370.779 $ 307,894.186
111 $ 377,777.13 $ 3,101,697.646 $ 313,673.133
112 $ 377,777.13 $ 2,782,137.098 $ 319,560.547
113 $ 377,777.13 $ 2,456,578.634 $ 325,558.464
114 $ 377,777.13 $ 2,124,909.677 $ 331,668.957
115 $ 377,777.13 $ 1,787,015.537 $ 337,894.140
116 $ 377,777.13 $ 1,442,779.373 $ 344,236.164
117 $ 377,777.13 $ 1,092,082.149 $ 350,697.224
118 $ 377,777.13 $ 734,802.595 $ 357,279.553
119 $ 377,777.13 $ 370,817.167 $ 363,985.428
120 $ 377,777.13 $ (0.000) $ 370,817.167
 A $ 289,534.72
B $ 4,560,754.035

ABONO INTERES

$ 281,538.977
$ 281,388.903
$ 281,236.012
$ 281,080.251
$ 280,921.567
$ 280,759.905
$ 280,595.208
$ 280,427.420
$ 280,256.483
$ 280,082.337
$ 279,904.923
$ 279,724.179
$ 279,540.042
$ 279,189.419
$ 278,832.215
$ 278,468.306
$ 278,097.567
$ 277,719.869
$ 277,335.083
$ 276,943.074
$ 276,543.708
$ 276,136.845
$ 275,722.346
$ 275,300.068
$ 274,869.863
$ 274,263.663
$ 273,646.084
$ 273,016.914
$ 272,375.935
$ 271,722.925
$ 271,057.659
$ 270,379.906
$ 269,689.432
$ 268,985.998
$ 268,269.362
$ 267,539.275
$ 266,795.484
$ 265,864.774
$ 264,916.595
$ 263,950.620
$ 262,966.514
$ 261,963.937
$ 260,942.543
$ 259,901.977
$ 258,841.881
$ 257,761.888
$ 256,661.624
$ 255,540.709
$ 254,398.755
$ 253,057.219
$ 251,690.504
$ 250,298.137
$ 248,879.636
$ 247,434.511
$ 245,962.262
$ 244,462.379
$ 242,934.345
$ 241,377.631
$ 239,791.699
$ 238,176.000
$ 236,529.975
$ 234,669.564
$ 232,774.233
$ 230,843.329
$ 228,876.183
$ 226,872.116
$ 224,830.433
$ 222,750.429
$ 220,631.386
$ 218,472.569
$ 216,273.233
$ 214,032.617
$ 211,749.947
$ 209,235.435
$ 206,673.728
$ 204,063.939
$ 201,405.166
$ 198,696.491
$ 195,936.975
$ 193,125.666
$ 190,261.590
$ 187,343.757
$ 184,371.159
$ 181,342.768
$ 178,257.535
$ 174,919.729
$ 171,519.274
$ 168,054.995
$ 164,525.694
$ 160,930.150
$ 157,267.121
$ 153,535.340
$ 149,733.515
$ 145,860.334
$ 141,914.455
$ 137,894.515
$ 133,799.124
$ 129,426.359
$ 124,971.519
$ 120,433.066
$ 115,809.430
$ 111,099.011
$ 106,300.180
$ 101,411.280
$ 96,430.618
$ 91,356.473
$ 86,187.090
$ 80,920.682
$ 75,555.427
$ 69,882.947
$ 64,104.000
$ 58,216.585
$ 52,218.669
$ 46,108.176
$ 39,882.993
$ 33,540.968
$ 27,079.909
$ 20,497.579
$ 13,791.705
$ 6,959.966
Periodo 7 84
Gradiente 2% decreciente
Interes EA 48% 3.3210%
Cuota 1 $ 580,000.00

PERIODOS CUOTAS SALDO CREDITO ABONO CAPITAL ABONO INTERES

0 $ 15,213,469.52
1 $ 580,000.00 $ 15,138,704.3338 $ 74,765.1866 $ 505,234.8134
2 $ 580,000.00 $ 15,061,456.2175 $ 77,248.1163 $ 502,751.8837
3 $ 580,000.00 $ 14,981,642.7142 $ 79,813.5033 $ 500,186.4967
4 $ 580,000.00 $ 14,899,178.6280 $ 82,464.0861 $ 497,535.9139
5 $ 580,000.00 $ 14,813,975.9341 $ 85,202.6940 $ 494,797.3060
6 $ 580,000.00 $ 14,725,943.6839 $ 88,032.2502 $ 491,967.7498
7 $ 568,400.00 $ 14,646,587.9087 $ 79,355.7751 $ 489,044.2249
8 $ 568,400.00 $ 14,564,596.7518 $ 81,991.1569 $ 486,408.8431
9 $ 568,400.00 $ 14,479,882.6929 $ 84,714.0589 $ 483,685.9411
10 $ 568,400.00 $ 14,392,355.3052 $ 87,527.3877 $ 480,872.6123
11 $ 568,400.00 $ 14,301,921.1589 $ 90,434.1463 $ 477,965.8537
12 $ 568,400.00 $ 14,208,483.7214 $ 93,437.4375 $ 474,962.5625
13 $ 557,032.00 $ 14,123,311.2543 $ 85,172.4671 $ 471,859.5329
14 $ 557,032.00 $ 14,035,310.2348 $ 88,001.0195 $ 469,030.9805
15 $ 557,032.00 $ 13,944,386.7275 $ 90,923.5073 $ 466,108.4927
16 $ 557,032.00 $ 13,850,443.6776 $ 93,943.0500 $ 463,088.9500
17 $ 557,032.00 $ 13,753,380.8067 $ 97,062.8708 $ 459,969.1292
18 $ 557,032.00 $ 13,653,094.5067 $ 100,286.3000 $ 456,745.7000
19 $ 545,891.36 $ 13,560,618.3684 $ 92,476.1383 $ 453,415.2217
20 $ 545,891.36 $ 13,465,071.1250 $ 95,547.2434 $ 450,344.1166
21 $ 545,891.36 $ 13,366,350.7859 $ 98,720.3391 $ 447,171.0209
22 $ 545,891.36 $ 13,264,351.9736 $ 101,998.8123 $ 443,892.5477
23 $ 545,891.36 $ 13,158,965.8110 $ 105,386.1626 $ 440,505.1974
24 $ 545,891.36 $ 13,050,079.8052 $ 108,886.0058 $ 437,005.3542
25 $ 534,973.53 $ 12,948,495.5546 $ 101,584.2506 $ 433,389.2822
26 $ 534,973.53 $ 12,843,537.7211 $ 104,957.8335 $ 430,015.6993
27 $ 534,973.53 $ 12,735,094.2691 $ 108,443.4520 $ 426,530.0808
28 $ 534,973.53 $ 12,623,049.4422 $ 112,044.8269 $ 422,928.7059
29 $ 534,973.53 $ 12,507,283.6399 $ 115,765.8024 $ 419,207.7304
30 $ 534,973.53 $ 12,387,673.2895 $ 119,610.3504 $ 415,363.1824
31 $ 524,274.06 $ 12,274,790.1855 $ 112,883.1040 $ 411,390.9582
32 $ 524,274.06 $ 12,158,158.2671 $ 116,631.9184 $ 407,642.1437
33 $ 524,274.06 $ 12,037,653.0372 $ 120,505.2299 $ 403,768.8323
34 $ 524,274.06 $ 11,913,145.8644 $ 124,507.1728 $ 399,766.8893
35 $ 524,274.06 $ 11,784,503.8453 $ 128,642.0191 $ 395,632.0430
36 $ 524,274.06 $ 11,651,589.6628 $ 132,914.1824 $ 391,359.8797
37 $ 513,788.58 $ 11,524,746.9210 $ 126,842.7418 $ 386,945.8391
38 $ 513,788.58 $ 11,393,691.7694 $ 131,055.1517 $ 382,733.4292
39 $ 513,788.58 $ 11,258,284.3150 $ 135,407.4544 $ 378,381.1265
40 $ 513,788.58 $ 11,118,380.0191 $ 139,904.2958 $ 373,884.2851
41 $ 513,788.58 $ 10,973,829.5431 $ 144,550.4760 $ 369,238.1049
42 $ 513,788.58 $ 10,824,478.5886 $ 149,350.9545 $ 364,437.6264
43 $ 503,512.81 $ 10,680,443.5048 $ 144,035.0838 $ 359,477.7255
44 $ 503,512.81 $ 10,531,625.0586 $ 148,818.4462 $ 354,694.3630
45 $ 503,512.81 $ 10,377,864.3958 $ 153,760.6627 $ 349,752.1465
46 $ 503,512.81 $ 10,218,997.3871 $ 158,867.0088 $ 344,645.8005
47 $ 503,512.81 $ 10,054,854.4520 $ 164,142.9350 $ 339,369.8742
48 $ 503,512.81 $ 9,885,260.3788 $ 169,594.0733 $ 333,918.7360
49 $ 493,442.55 $ 9,720,104.3928 $ 165,155.9860 $ 328,286.5671
50 $ 493,442.55 $ 9,549,463.6255 $ 170,640.7673 $ 322,801.7858
51 $ 493,442.55 $ 9,373,155.9288 $ 176,307.6966 $ 317,134.8565
52 $ 493,442.55 $ 9,190,993.1059 $ 182,162.8230 $ 311,279.7301
53 $ 493,442.55 $ 9,002,780.7095 $ 188,212.3963 $ 305,230.1568
54 $ 493,442.55 $ 8,808,317.8353 $ 194,462.8742 $ 298,979.6789
55 $ 483,573.70 $ 8,617,265.7578 $ 191,052.0776 $ 292,521.6245
56 $ 483,573.70 $ 8,419,868.8973 $ 197,396.8604 $ 286,176.8416
57 $ 483,573.70 $ 8,215,916.5457 $ 203,952.3517 $ 279,621.3504
58 $ 483,573.70 $ 8,005,190.9968 $ 210,725.5488 $ 272,848.1532
59 $ 483,573.70 $ 7,787,467.3150 $ 217,723.6818 $ 265,850.0202
60 $ 483,573.70 $ 7,562,513.0943 $ 224,954.2208 $ 258,619.4813
61 $ 473,902.23 $ 7,339,759.6845 $ 222,753.4097 $ 251,148.8183
62 $ 473,902.23 $ 7,109,608.7001 $ 230,150.9844 $ 243,751.2436
63 $ 473,902.23 $ 6,871,814.4697 $ 237,794.2304 $ 236,107.9976
64 $ 473,902.23 $ 6,626,123.1634 $ 245,691.3063 $ 228,210.9217
65 $ 473,902.23 $ 6,372,272.5217 $ 253,850.6418 $ 220,051.5862
66 $ 473,902.23 $ 6,109,991.5753 $ 262,280.9463 $ 211,621.2817
67 $ 464,424.18 $ 5,848,478.4011 $ 261,513.1743 $ 202,911.0092
68 $ 464,424.18 $ 5,578,280.4518 $ 270,197.9493 $ 194,226.2342
69 $ 464,424.18 $ 5,299,109.3087 $ 279,171.1431 $ 185,253.0404
70 $ 464,424.18 $ 5,010,666.9747 $ 288,442.3340 $ 175,981.8495
71 $ 464,424.18 $ 4,712,645.5563 $ 298,021.4184 $ 166,402.7650
72 $ 464,424.18 $ 4,404,726.9350 $ 307,918.6214 $ 156,505.5621
73 $ 455,135.70 $ 4,095,870.9111 $ 308,856.0238 $ 146,279.6759
74 $ 455,135.70 $ 3,776,757.8703 $ 319,113.0409 $ 136,022.6589
75 $ 455,135.70 $ 3,447,047.1799 $ 329,710.6904 $ 125,425.0094
76 $ 455,135.70 $ 3,106,386.8953 $ 340,660.2846 $ 114,475.4151
77 $ 455,135.70 $ 2,754,413.3835 $ 351,973.5117 $ 103,162.1880
78 $ 455,135.70 $ 2,390,750.9358 $ 363,662.4477 $ 91,473.2520
79 $ 446,032.99 $ 2,024,114.0800 $ 366,636.8558 $ 79,396.1299
80 $ 446,032.99 $ 1,645,301.3228 $ 378,812.7571 $ 67,220.2286
81 $ 446,032.99 $ 1,253,908.3063 $ 391,393.0165 $ 54,639.9693
82 $ 446,032.99 $ 849,517.2437 $ 404,391.0626 $ 41,641.9232
83 $ 446,032.99 $ 431,696.4738 $ 417,820.7699 $ 28,212.2159
84 $ 446,032.99 $ 0.0000 $ 431,696.4738 $ 14,336.5119
A $ 15,213,469.52
B $ 9,549,463.6255
 Ahorro $ 700,000.00 VNA $ 4,066,470.15
incremento $ 300,000.00
interes trimestral 4.50%
periodos 4

PERIODOS AHORRO
0
1 $ 700,000.00
2 $ 1,000,000.00
3 $ 1,300,000.00
4 $ 1,600,000.00
PRESTAMO $ 15,000,000.00
INCREMENTO 5%
PERIODOS 5 10
INTERES 14%

PERIODOS CUOTAS SALDO CREDITO ABONO CAPITAL

0 $ 15,000,000.00
1 $ 2,458,560 $ 15,000,000.00 $ -
2 $ 2,581,488 $ 14,518,512.24 $ 481,487.76
3 $ 2,710,562 $ 13,840,541.80 $ 677,970.44
4 $ 2,846,090 $ 12,932,127.40 $ 908,414.40
5 $ 2,988,395 $ 11,754,230.47 $ 1,177,896.93
6 $ 3,137,815 $ 10,262,008.22 $ 1,492,222.24
7 $ 3,294,705 $ 8,403,984.14 $ 1,858,024.08
8 $ 3,459,440 $ 6,121,101.43 $ 2,282,882.71
9 $ 3,632,413 $ 3,345,643.11 $ 2,775,458.32
10 $ 3,814,033 $ - $ 3,345,643.11
ABONO INTERES

$ -
$ 2,100,000.00
$ 2,032,591.71
$ 1,937,675.85
$ 1,810,497.84
$ 1,645,592.27
$ 1,436,681.15
$ 1,176,557.78
$ 856,954.20
$ 468,390.04
PERIODOS 3 36
INCREMENTO $ 10,777.56
CUOTA 1 $ 80,000
INTERES 3.30%
PRESENTE $ 4,000,000.00

PERIODOS CUOTAS SALDO CREDITO ABONO CAPITAL

0 $ 4,000,000.00
1 $ 4,132,000.00 $ (132,000.00)
2 $ 4,268,356.00 $ (136,356.00)
3 $ 4,409,211.75 $ (140,855.75)
4 $ 80,000 $ 4,474,715.74 $ (65,503.99)
5 $ 90,777.56 $ 4,531,603.80 $ (56,888.06)
6 $ 101,555.11 $ 4,579,591.61 $ (47,987.81)
7 $ 112,332.67 $ 4,618,385.47 $ (38,793.86)
8 $ 123,110.22 $ 4,647,681.97 $ (29,296.50)
9 $ 133,887.78 $ 4,667,167.69 $ (19,485.73)
10 $ 144,665.33 $ 4,676,518.89 $ (9,351.20)
11 $ 155,442.89 $ 4,675,401.13 $ 1,117.77
12 $ 166,220.45 $ 4,663,468.92 $ 11,932.21
13 $ 176,998.00 $ 4,640,365.39 $ 23,103.53
14 $ 187,775.56 $ 4,605,721.89 $ 34,643.50
15 $ 198,553.11 $ 4,559,157.60 $ 46,564.29
16 $ 209,330.67 $ 4,500,279.13 $ 58,878.47
17 $ 220,108.22 $ 4,428,680.12 $ 71,599.01
18 $ 230,885.78 $ 4,343,940.78 $ 84,739.34
19 $ 241,663.34 $ 4,245,627.49 $ 98,313.29
20 $ 252,440.89 $ 4,133,292.31 $ 112,335.18
21 $ 263,218.45 $ 4,006,472.51 $ 126,819.80
22 $ 273,996.00 $ 3,864,690.10 $ 141,782.41
23 $ 284,773.56 $ 3,707,451.31 $ 157,238.79
24 $ 295,551.11 $ 3,534,246.09 $ 173,205.22
25 $ 306,328.67 $ 3,344,547.54 $ 189,698.55
26 $ 317,106.23 $ 3,137,811.38 $ 206,736.16
27 $ 327,883.78 $ 2,913,475.38 $ 224,336.01
28 $ 338,661.34 $ 2,670,958.73 $ 242,516.65
29 $ 349,438.89 $ 2,409,661.47 $ 261,297.26
30 $ 360,216.45 $ 2,128,963.85 $ 280,697.62
31 $ 370,994.00 $ 1,828,225.65 $ 300,738.20
32 $ 381,771.56 $ 1,506,785.54 $ 321,440.11
33 $ 392,549.12 $ 1,163,960.34 $ 342,825.19
34 $ 403,326.67 $ 799,044.36 $ 364,915.98
35 $ 414,104.23 $ 411,308.60 $ 387,735.76
36 $ 424,881.78 $ (0.00) $ 411,308.60
 ABONO INTERES

$ 132,000.00
$ 136,356.00
$ 140,855.75
$ 145,503.99
$ 147,665.62
$ 149,542.93
$ 151,126.52
$ 152,406.72
$ 153,373.50
$ 154,016.53
$ 154,325.12
$ 154,288.24
$ 153,894.47
$ 153,132.06
$ 151,988.82
$ 150,452.20
$ 148,509.21
$ 146,146.44
$ 143,350.05
$ 140,105.71
$ 136,398.65
$ 132,213.59
$ 127,534.77
$ 122,345.89
$ 116,630.12
$ 110,370.07
$ 103,547.78
$ 96,144.69
$ 88,141.64
$ 79,518.83
$ 70,255.81
$ 60,331.45
$ 49,723.92
$ 38,410.69
$ 26,368.46
$ 13,573.18
PERIODOS 7 84
INTERES 24% 1.8088%
AHORRO1 $ 6,720,000.00 VPN
INCREMENTO $ 200.00
CANTIDAD VENDIDA $ 500.00

PERIODOS PRECIO PRODUCTO INGRESOS AHORROS

0
1 $ 1,000.00 $ 500,000.00 $ 50,000.00
2 $ 1,000.00 $ 500,000.00 $ 50,000.00
3 $ 1,000.00 $ 500,000.00 $ 50,000.00
4 $ 1,000.00 $ 500,000.00 $ 50,000.00
5 $ 1,000.00 $ 500,000.00 $ 50,000.00
6 $ 1,000.00 $ 500,000.00 $ 50,000.00
7 $ 1,000.00 $ 500,000.00 $ 50,000.00
8 $ 1,000.00 $ 500,000.00 $ 50,000.00
9 $ 1,000.00 $ 500,000.00 $ 50,000.00
10 $ 1,000.00 $ 500,000.00 $ 50,000.00
11 $ 1,000.00 $ 500,000.00 $ 50,000.00
12 $ 1,000.00 $ 500,000.00 $ 50,000.00
13 $ 1,200.00 $ 600,000.00 $ 60,000.00
14 $ 1,200.00 $ 600,000.00 $ 60,000.00
15 $ 1,200.00 $ 600,000.00 $ 60,000.00
16 $ 1,200.00 $ 600,000.00 $ 60,000.00
17 $ 1,200.00 $ 600,000.00 $ 60,000.00
18 $ 1,200.00 $ 600,000.00 $ 60,000.00
19 $ 1,200.00 $ 600,000.00 $ 60,000.00
20 $ 1,200.00 $ 600,000.00 $ 60,000.00
21 $ 1,200.00 $ 600,000.00 $ 60,000.00
22 $ 1,200.00 $ 600,000.00 $ 60,000.00
23 $ 1,200.00 $ 600,000.00 $ 60,000.00
24 $ 1,200.00 $ 600,000.00 $ 60,000.00
25 $ 1,400.00 $ 700,000.00 $ 70,000.00
26 $ 1,400.00 $ 700,000.00 $ 70,000.00
27 $ 1,400.00 $ 700,000.00 $ 70,000.00
28 $ 1,400.00 $ 700,000.00 $ 70,000.00
29 $ 1,400.00 $ 700,000.00 $ 70,000.00
30 $ 1,400.00 $ 700,000.00 $ 70,000.00
31 $ 1,400.00 $ 700,000.00 $ 70,000.00
32 $ 1,400.00 $ 700,000.00 $ 70,000.00
33 $ 1,400.00 $ 700,000.00 $ 70,000.00
34 $ 1,400.00 $ 700,000.00 $ 70,000.00
35 $ 1,400.00 $ 700,000.00 $ 70,000.00
36 $ 1,400.00 $ 700,000.00 $ 70,000.00
37 $ 1,600.00 $ 800,000.00 $ 80,000.00
38 $ 1,600.00 $ 800,000.00 $ 80,000.00
39 $ 1,600.00 $ 800,000.00 $ 80,000.00
40 $ 1,600.00 $ 800,000.00 $ 80,000.00
41 $ 1,600.00 $ 800,000.00 $ 80,000.00
42 $ 1,600.00 $ 800,000.00 $ 80,000.00
43 $ 1,600.00 $ 800,000.00 $ 80,000.00
44 $ 1,600.00 $ 800,000.00 $ 80,000.00
45 $ 1,600.00 $ 800,000.00 $ 80,000.00
46 $ 1,600.00 $ 800,000.00 $ 80,000.00
47 $ 1,600.00 $ 800,000.00 $ 80,000.00
48 $ 1,600.00 $ 800,000.00 $ 80,000.00
49 $ 1,800.00 $ 900,000.00 $ 90,000.00
50 $ 1,800.00 $ 900,000.00 $ 90,000.00
51 $ 1,800.00 $ 900,000.00 $ 90,000.00
52 $ 1,800.00 $ 900,000.00 $ 90,000.00
53 $ 1,800.00 $ 900,000.00 $ 90,000.00
54 $ 1,800.00 $ 900,000.00 $ 90,000.00
55 $ 1,800.00 $ 900,000.00 $ 90,000.00
56 $ 1,800.00 $ 900,000.00 $ 90,000.00
57 $ 1,800.00 $ 900,000.00 $ 90,000.00
58 $ 1,800.00 $ 900,000.00 $ 90,000.00
59 $ 1,800.00 $ 900,000.00 $ 90,000.00
60 $ 1,800.00 $ 900,000.00 $ 90,000.00
61 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
62 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
63 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
64 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
65 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
66 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
67 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
68 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
69 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
70 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
71 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
72 $ 2,000.00 $ 1,000,000.00 $ 100,000.00
73 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
74 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
75 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
76 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
77 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
78 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
79 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
80 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
81 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
82 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
83 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
84 $ 2,200.00 $ 1,100,000.00 $ 110,000.00
 $ 3,085,091.34 Tendra ahorrado
$ 13,906,563.47
 PERIODOS 15
INCREMENTO 2%
INTERES NA 34% EM 2.833%
VALOR DE
CONTADO VNA $ 317,115.39
TOTAL $ 453,021.98

PERIODOS CUOTAS
0
1 $ 23,000.00
2 $ 23,460.00
3 $ 23,929.20
4 $ 24,407.78
5 $ 24,895.94
6 $ 25,393.86
7 $ 25,901.74
8 $ 26,419.77
9 $ 26,948.17
10 $ 27,487.13
11 $ 28,036.87
12 $ 28,597.61
13 $ 29,169.56
14 $ 29,752.95
15 $ 30,348.01
credito ###
periodos 36 mensuales anticipados
gradiente A $ 50,000 mensuales
aporte extra $ 3,000,000 en mes 24 cuota 1
interes 24% anual 1.809% mensual
valor de la primera cuota valor neto actual

periodos cuotas aportes extras total

0 $ 1,016,276 $ 1,016,276
1 $ 1,066,276 $ 1,066,276
2 $ 1,116,276 $ 1,116,276
3 $ 1,166,276 $ 1,166,276
4 $ 1,216,276 $ 1,216,276
5 $ 1,266,276 $ 1,266,276
6 $ 1,316,276 $ 1,316,276
7 $ 1,366,276 $ 1,366,276
8 $ 1,416,276 $ 1,416,276
9 $ 1,466,276 $ 1,466,276
10 $ 1,516,276 $ 1,516,276
11 $ 1,566,276 $ 1,566,276
12 $ 1,616,276 $ 1,616,276
13 $ 1,666,276 $ 1,666,276
14 $ 1,716,276 $ 1,716,276
15 $ 1,766,276 $ 1,766,276
16 $ 1,816,276 $ 1,816,276
17 $ 1,866,276 $ 1,866,276
18 $ 1,916,276 $ 1,916,276
19 $ 1,966,276 $ 1,966,276
20 $ 2,016,276 $ 2,016,276
21 $ 2,066,276 $ 2,066,276
22 $ 2,116,276 $ 2,116,276
23 $ 2,166,276 $ 2,166,276
24 $ 2,216,276 $ 3,000,000 $ 5,216,276
25 $ 2,266,276 $ 2,266,276
26 $ 2,316,276 $ 2,316,276
27 $ 2,366,276 $ 2,366,276
28 $ 2,416,276 $ 2,416,276
29 $ 2,466,276 $ 2,466,276
30 $ 2,516,276 $ 2,516,276
31 $ 2,566,276 $ 2,566,276
32 $ 2,616,276 $ 2,616,276
33 $ 2,666,276 $ 2,666,276
34 $ 2,716,276 $ 2,716,276
35 $ 2,766,276 $ 2,766,276
36 $0
$ 1,016,276.282

$ 50,000,000.00
terreno $ 100,000,000 periodos cuota
interes 34% av 0 ###
2.469% mv 1 0
cuota inicial $ 20,000,000 2 0
cuota m3 $ 5,000,000 3 $ 5,000,000
cuota 1 $ 7,654,732 inicia mes 6 4 0
incremento 1.50% mensual 5 0
6 $ 7,654,732
VPN $ 100,000,000.00 7 $ 7,769,553
8 $ 7,886,096
9 $ 8,004,388
10 $ 8,124,454
11 $ 8,246,320
12 $ 8,370,015
13 $ 8,495,565
14 $ 8,622,999
15 $ 8,752,344
16 $ 8,883,629
17 $ 9,016,883
obligacion $ 34,000,000
interes 34% AV 2.469% MV
cuota 1 sin refin $ 1,217,583
incremento 4% mensual PAGOS TRIMESTRAL
Periodo 24 INCREMENTO TRIMESTRAL
VNA $ 34,000,000.00

periodo cuota
0
1 $ 1,217,583
2 $ 1,266,287
3 $ 1,316,938
4 $ -
5 $ -
6 $ 4,190,410.89
7 $ -
8 $ -
9 $ 4,202,410.89
10 $ -
11 $ -
12 $ 4,214,410.89
13 $ -
14 $ -
15 $ 4,226,410.89
16 $ -
17 $ -
18 $ 4,238,410.89
19 $ -
20 $ -
21 $ 4,250,410.89
22 $ -
23 $ -
24 $ 4,262,410.89
25 $ -
26 $ -
27 $ 4,274,410.89
28 $ -
29 $ -
30 $ 4,286,410.89
31 $ -
32 $ -
33 $ 4,298,410.89
34 $ -
35 $ -
36 $ 4,310,410.89
37 $ -
38 $ -
39 $ 4,322,410.89
$ 4,190,411
$ 12,000
presente $ 18,000,000
periodos 36 meses
interes 1.56% mensual
valor de activo en tres años $ 31,426,023.02
interes
deposito inicial $ 2,000,000
cuota 1 $ 150,000
incremento $ 10,000

periodo cuota
0 $ 2,000,000
1 $ 150,000
2 $ 160,000
3 $ 170,000
4 $ 180,000
5 $ 190,000
6 $ 200,000
7 $ 210,000
8 $ 220,000
9 $ 230,000
10 $ 240,000
11 $ 250,000
12 $ 260,000
13 $ 270,000
14 $ 280,000
15 $ 290,000
16 $ 300,000
17 $ 310,000
18 $ 320,000
19 $ 330,000
20 $ 340,000
21 $ 350,000
22 $ 360,000
23 $ 370,000
24 $ 380,000
25 $ 390,000
26 $ 400,000
27 $ 410,000
28 $ 420,000
29 $ 430,000
30 $ 440,000
31 $ 450,000
32 $ 460,000
33 $ 470,000
34 $ 480,000
35 $ 490,000
36 $ 500,000
ineteres de iteracion 4.172%

presente $ 7,214,732.75
futuro $ 31,426,023.02
periodos 36 meses
incremento mensual 1.20% mensual
cuota 1 $ 1,500,000
abono cuota 12 ###
cuotas trimestrales $ 5,000,000 despues de la cuota 10
interes 9.27% trimestral 3.00%
valor neto actual $ 38,512,812.28

periodo cuota
0
1 $ 1,500,000
2 $ 1,518,000
3 $ 1,536,216
4 $ 1,554,651
5 $ 1,573,306
6 $ 1,592,186
7 $ 1,611,292
8 $ 1,630,628
9 $ 1,650,195
10 $ 1,669,998
11 $ 1,690,038
12 $ 11,710,318
13 $ -
14 $ -
15 $ 5,000,000
16 $ -
17 $ -
18 $ 5,000,000
19 $ -
20 $ -
21 $ 5,000,000
22 $ -
23 $ -
24 $ 5,000,000
25 $ -
26 $ -
27 $ 5,000,000
28 $ -
29 $ -
30 $ 5,000,000
valor del credito
$ 64,188,020.47

mensual
60% credito