Chart Title

2000

1500

1000

500

0
1 2 3 4 5 6

-500

-1000

-1500

-2000

-2500

-3000

Column B Column D
 0 1 2 3 4 5
FFP -2500 600 700 800 1000 700

TIO 5%
VPN $ 768.59
$ SNU $ 177.52 $ 177.52 INGRESO PROMEDIO PARA CADA AÑO DEL PROYECTO
VFN $ 980.94 $ 980.94 GANANCIA ACUMULADA AL FINAL DEL PROYECTO
% TIR 14.95% RENTABILIDAD DEL PROYECTO

PRI
TIEMPO PERIODO FFP ACUMULADO
0 -2500 -2500 3 AÑOS
1 600 -1900
2 700 -1200 DEUDA 400
3 800 -400 INGRESO 1000
4 1000 600 INGR. MENSU 83.3333333
5 700 1300 DEUDA/ING 4.8

PAR TIO 5%
TIEMPO PERIODO FFP VP FLUJOS ACUMULADO
0 -2500 -2500 -2500 3 AÑOS
1 600 $ 571.43 -$ 1,928.57 8.8 MESES
2 700 $ 634.92 -$ 1,293.65 DEUDA $ 602.58
3 800 $ 691.07 -$ 602.58 INGRESO $ 822.70
4 1000 $ 822.70 $ 220.12 INGR. MENSU $ 68.56
5 700 $ 548.47 $ 768.59 DEUDA/ING 8.7892875

0 1 2 3 4 5
FFP -2500 600 700 800 1000 700

TIO 5%
R/BC VPN INGRESOS/VPN EGRESOS

VPN INGRESO $ 3,268.59

VPN EGRESOS $ 2,500.00
R/BC 1.30743603 POR CADA PESO QUE SALE, ENTRAN 1,31

0 1 2 3 4 5
FFP -3000 200 500 900 1500 1300

TIO 18% NOMINAL 297 DIAS ANT.

TIO APLICABL 21.51%
VPN -$ 505.82
TIR 16%
SNU -$ 157.86
VFN -$ 1,628.35

PRI 3 AÑOS
FFP ACUMULADO 11.2 MESES
0 -3000 -3000
1 200 -2800 DEUDA 1400
2 500 -2300 INGRESO 1500
3 900 -1400 ING. MEN 125
4 1500 100 DEUDA/ ING. 11.2
5 1300 1400
6 1000 2400

PARA AÑOS
FFP VP FLUJOS ACUMULADO MESES
0 -3000 -3000 -3000
1 200 $ 164.59 -$ 2,835.41 DEUDA
2 500 $ 338.63 -$ 2,496.78 INGRESO
3 900 $ 501.61 -$ 1,995.17 ING. MEN
4 1500 $ 688.01 -$ 1,307.16 DEUDA/ ING. MEN
5 1300 $ 490.70 -$ 816.46
6 1000 $ 310.64 -$ 505.82

R/BC 0.83139232
EL PROYECTO

6
1000
COMPRA MAZDA 3
VALOR 67,000,000.00
RENAULT 31,000,000.00
PRESTAMO 36,000,000.00
TASA 14% NTV
TASA MENSU 1.15% 19.61% $ 43,058,101.36
TASA PG 17% N. 210 Dias ant 1.50%
periodo 3 añoS PAGO MENUAL
capita igual
0 1 2
saldo 36,000,000.00 $ 36,541,120.91 $ 37,090,375.48
capital
interes
cuota - -

TOTAL INTERES 9,187,011.11 CAPITAL IGUAL

CUOTA IGUAL
0 1 2
saldo 36,000,000.00 $ 36,541,120.91 $ 37,090,375.48
capital
interes
cuota - -

TOTAL INTERES 9,799,805.81 CUOTA IGUAL

capita igual
0 1 2
saldo 36,000,000.00 $ 36,541,120.91 $ 37,090,375.48
capital
interes
cuota - -

TOTAL INTERES 15,146,153.45

CUOTA IGUAL
0 1 2
saldo 36,000,000.00 $ 36,541,120.91 $ 37,090,375.48
capital
interes
cuota - -

TOTAL INTERES 16,840,708.90

capita igual
0 1 2
saldo 36,000,000.00 $ 36,541,120.91 $ 37,090,375.48
capital
interes
cuota - -

TOTAL INTERES 21,105,295.79

CUOTA IGUAL
0 1 2
saldo 36,000,000.00 $ 36,541,120.91 $ 37,090,375.48
capital
interes
cuota - -

TOTAL INTERES 24,402,542.60

 SOBRE CAPITAL
AÑOS MODALIDAD TOTAL INTERES AÑOS
3 CAPITAL IGUAL 9,187,011.11 3
3 CUOTA IGUAL 9,799,805.81 3
5 CAPITAL IGUAL 15,146,153.45 5
5 CUOTA IGUAL 16,840,708.90 5
7 CAPITAL IGUAL 21,105,295.79 7
7 CUOTA IGUAL 24,402,542.60 7

3 4 5 6 7 8
$ 37,647,885.98 $ 38,213,776.49 $ 38,788,172.98 $ 39,371,203.30 $ 39,962,997.22 $ 40,563,686.49

- - - - - -

3 4 5 6 7 8
$ 37,647,885.98 $ 38,213,776.49 $ 38,788,172.98 $ 39,371,203.30 $ 39,962,997.22 $ 40,563,686.49

- - - - - -

3 4 5 6 7 8
$ 37,647,885.98 $ 38,213,776.49 $ 38,788,172.98 $ 39,371,203.30 $ 39,962,997.22 $ 40,563,686.49

- - - - - -

3 4 5 6 7 8
$ 37,647,885.98 $ 38,213,776.49 $ 38,788,172.98 $ 39,371,203.30 $ 39,962,997.22 $ 40,563,686.49

- - - - - -

3 4 5 6 7 8
$ 37,647,885.98 $ 38,213,776.49 $ 38,788,172.98 $ 39,371,203.30 $ 39,962,997.22 $ 40,563,686.49
 - - - - - -

3 4 5 6 7 8
$ 37,647,885.98 $ 38,213,776.49 $ 38,788,172.98 $ 39,371,203.30 $ 39,962,997.22 $ 40,563,686.49

- - - - - -
SOBRE INTERES
MODALIDAD TOTAL INTERES
CAPITAL IGUAL 14,174,523.47
CUOTA IGUAL 14,686,868.62
CAPITAL IGUAL 19,156,840.80
CUOTA IGUAL 20,573,624.03
CAPITAL IGUAL 24,139,158.12
CUOTA IGUAL 26,895,918.90

1 2
9 10 11 12 13 14
$ 41,173,404.79 $ 41,792,287.86 ### $ 43,058,101.36 41,862,042.99 40,665,984.62
1,196,058.37 1,196,058.37
496,595.20 482,800.88
- - - - 1,692,653.57 1,678,859.26

1 2
9 10 11 12 13 14
$ 41,173,404.79 $ 41,792,287.86 ### $ 43,058,101.36 42,086,421.36 41,103,534.83
$ 971,680.00 $ 982,886.53
$ 496,595.20 $ 485,388.67
- - - - 1,468,275.20 1,468,275.20

1 2
9 10 11 12 13 14
$ 41,173,404.79 $ 41,792,287.86 ### $ 43,058,101.36 42,340,466.34 41,622,831.32
717,635.02 717,635.02
496,595.20 488,318.61
- - - - 1,214,230.22 1,205,953.63

1 2
9 10 11 12 13 14
$ 41,173,404.79 $ 41,792,287.86 ### $ 43,058,101.36 42,556,383.05 42,048,878.36
$ 501,718.31 $ 507,504.70
$ 496,595.20 $ 490,808.81
- - - - 998,313.50 998,313.50

1 2
9 10 11 12 13 14
$ 41,173,404.79 $ 41,792,287.86 ### $ 43,058,101.36 42,545,504.92 42,032,908.47
512,596.44 512,596.44
 496,595.20 490,683.35
- - - - 1,009,191.64 1,003,279.79

1 2
9 10 11 12 13 14
$ 41,173,404.79 $ 41,792,287.86 ### $ 43,058,101.36 42,751,593.65 42,441,550.95
$ 306,507.71 $ 310,042.71
$ 496,595.20 $ 493,060.20
- - - - 803,102.90 803,102.90
 3 4 5 6 7 8
15 16 17 18 19 20
39,469,926.25 38,273,867.88 37,077,809.51 35,881,751.14 34,685,692.76 33,489,634.39
1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37
469,006.57 455,212.26 441,417.95 427,623.64 413,829.33 400,035.02
1,665,064.94 1,651,270.63 1,637,476.32 1,623,682.01 1,609,887.70 1,596,093.39

3 4 5 6 7 8
15 16 17 18 19 20
40,109,312.53 39,103,623.73 38,086,336.17 37,057,316.09 36,016,428.18 34,963,535.56
$ 994,222.30 $ 1,005,688.80 $ 1,017,287.56 $ 1,029,020.08 $ 1,040,887.91 $ 1,052,892.62
$ 474,052.90 $ 462,586.39 $ 450,987.64 $ 439,255.12 $ 427,387.29 $ 415,382.58
1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20

3 4 5 6 7 8
15 16 17 18 19 20
40,905,196.29 40,187,561.27 39,469,926.25 38,752,291.23 38,034,656.20 37,317,021.18
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
480,042.02 471,765.44 463,488.85 455,212.26 446,935.68 438,659.09
1,197,677.04 1,189,400.46 1,181,123.87 1,172,847.28 1,164,570.70 1,156,294.11

3 4 5 6 7 8
15 16 17 18 19 20
41,535,520.53 41,016,242.08 40,490,974.72 39,959,649.38 39,422,196.18 38,878,544.46
$ 513,357.82 $ 519,278.45 $ 525,267.36 $ 531,325.35 $ 537,453.20 $ 543,651.72
$ 484,955.68 $ 479,035.05 $ 473,046.14 $ 466,988.16 $ 460,860.31 $ 454,661.78
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

3 4 5 6 7 8
15 16 17 18 19 20
41,520,312.03 41,007,715.58 40,495,119.14 39,982,522.69 39,469,926.25 38,957,329.80
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 484,771.50 478,859.65 472,947.80 467,035.96 461,124.11 455,212.26
997,367.94 991,456.10 985,544.25 979,632.40 973,720.55 967,808.71

3 4 5 6 7 8
15 16 17 18 19 20
42,127,932.47 41,810,697.00 41,489,802.79 41,165,207.68 40,836,868.95 40,504,743.46
$ 313,618.47 $ 317,235.48 $ 320,894.20 $ 324,595.12 $ 328,338.72 $ 332,125.50
$ 489,484.43 $ 485,867.43 $ 482,208.70 $ 478,507.79 $ 474,764.18 $ 470,977.41
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 9 10 11 12 13 14
21 22 23 24 25 26
32,293,576.02 31,097,517.65 29,901,459.28 28,705,400.91 27,509,342.54 26,313,284.17
1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37
386,240.71 372,446.40 358,652.09 344,857.77 331,063.46 317,269.15
1,582,299.08 1,568,504.77 1,554,710.46 1,540,916.15 1,527,121.83 1,513,327.52

9 10 11 12 13 14
21 22 23 24 25 26
33,898,499.78 32,821,180.79 31,731,436.93 30,629,124.90 29,514,099.74 28,386,214.85
$ 1,065,035.78 $ 1,077,318.99 $ 1,089,743.86 $ 1,102,312.03 $ 1,115,025.15 $ 1,127,884.90
$ 403,239.42 $ 390,956.21 $ 378,531.34 $ 365,963.17 $ 353,250.05 $ 340,390.30
1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20

9 10 11 12 13 14
21 22 23 24 25 26
36,599,386.16 35,881,751.14 35,164,116.11 34,446,481.09 33,728,846.07 33,011,211.04
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
430,382.50 422,105.92 413,829.33 405,552.74 397,276.16 388,999.57
1,148,017.53 1,139,740.94 1,131,464.35 1,123,187.77 1,114,911.18 1,106,634.59

9 10 11 12 13 14
21 22 23 24 25 26
38,328,622.73 37,772,358.67 37,209,679.14 36,640,510.15 36,064,776.85 35,482,403.53
$ 549,921.73 $ 556,264.06 $ 562,679.53 $ 569,168.99 $ 575,733.30 $ 582,373.31
$ 448,391.77 $ 442,049.45 $ 435,633.97 $ 429,144.51 $ 422,580.20 $ 415,940.19
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

9 10 11 12 13 14
21 22 23 24 25 26
38,444,733.36 37,932,136.91 37,419,540.47 36,906,944.02 36,394,347.58 35,881,751.14
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 449,300.41 443,388.57 437,476.72 431,564.87 425,653.02 419,741.18
961,896.86 955,985.01 950,073.16 944,161.32 938,249.47 932,337.62

9 10 11 12 13 14
21 22 23 24 25 26
40,168,787.51 39,828,956.93 39,485,207.04 39,137,492.64 38,785,767.99 38,429,986.85
$ 335,955.95 $ 339,830.58 $ 343,749.89 $ 347,714.41 $ 351,724.65 $ 355,781.14
$ 467,146.96 $ 463,272.33 $ 459,353.01 $ 455,388.50 $ 451,378.26 $ 447,321.77
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 15 16 17 18 19 20
27 28 29 30 31 32
25,117,225.79 23,921,167.42 22,725,109.05 21,529,050.68 20,332,992.31 19,136,933.94
1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37
303,474.84 289,680.53 275,886.22 262,091.91 248,297.60 234,503.29
1,499,533.21 1,485,738.90 1,471,944.59 1,458,150.28 1,444,355.97 1,430,561.66

15 16 17 18 19 20
27 28 29 30 31 32
27,245,321.89 26,091,270.86 24,923,909.99 23,743,085.78 22,548,642.96 21,340,424.46
$ 1,140,892.95 $ 1,154,051.03 $ 1,167,360.87 $ 1,180,824.21 $ 1,194,442.82 $ 1,208,218.50
$ 327,382.25 $ 314,224.16 $ 300,914.33 $ 287,450.99 $ 273,832.38 $ 260,056.70
1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20

15 16 17 18 19 20
27 28 29 30 31 32
32,293,576.02 31,575,941.00 30,858,305.98 30,140,670.95 29,423,035.93 28,705,400.91
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
380,722.98 372,446.40 364,169.81 355,893.22 347,616.64 339,340.05
1,098,358.01 1,090,081.42 1,081,804.83 1,073,528.25 1,065,251.66 1,056,975.07

15 16 17 18 19 20
27 28 29 30 31 32
34,893,313.63 34,297,429.66 33,694,673.28 33,084,965.23 32,468,225.32 31,844,372.47
$ 589,089.91 $ 595,883.97 $ 602,756.38 $ 609,708.05 $ 616,739.90 $ 623,852.85
$ 409,223.60 $ 402,429.54 $ 395,557.12 $ 388,605.45 $ 381,573.60 $ 374,460.65
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

15 16 17 18 19 20
27 28 29 30 31 32
35,369,154.69 34,856,558.25 34,343,961.80 33,831,365.36 33,318,768.91 32,806,172.47
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 413,829.33 407,917.48 402,005.63 396,093.79 390,181.94 384,270.09
926,425.77 920,513.93 914,602.08 908,690.23 902,778.38 896,866.54

15 16 17 18 19 20
27 28 29 30 31 32
38,070,102.44 37,706,067.43 37,337,833.96 36,965,353.59 36,588,577.36 36,207,455.71
$ 359,884.41 $ 364,035.01 $ 368,233.48 $ 372,480.37 $ 376,776.23 $ 381,121.65
$ 443,218.49 $ 439,067.90 $ 434,869.43 $ 430,622.54 $ 426,326.67 $ 421,981.26
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 21 22 23 24 25 26
33 34 35 36 37 38
17,940,875.57 16,744,817.20 15,548,758.83 14,352,700.45 13,156,642.08 11,960,583.71
1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37
220,708.98 206,914.66 193,120.35 179,326.04 165,531.73 151,737.42
1,416,767.35 1,402,973.04 1,389,178.72 1,375,384.41 1,361,590.10 1,347,795.79

21 22 23 24 25 26
33 34 35 36 37 38
20,118,271.41 18,882,023.09 17,631,516.94 16,366,588.53 15,087,071.52 13,792,797.66
$ 1,222,153.05 $ 1,236,248.32 $ 1,250,506.15 $ 1,264,928.41 $ 1,279,517.01 $ 1,294,273.86
$ 246,122.14 $ 232,026.88 $ 217,769.05 $ 203,346.79 $ 188,758.19 $ 174,001.34
1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20

21 22 23 24 25 26
33 34 35 36 37 38
27,987,765.89 27,270,130.86 26,552,495.84 25,834,860.82 25,117,225.79 24,399,590.77
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
331,063.46 322,786.88 314,510.29 306,233.70 297,957.12 289,680.53
1,048,698.49 1,040,421.90 1,032,145.31 1,023,868.73 1,015,592.14 1,007,315.55

21 22 23 24 25 26
33 34 35 36 37 38
31,213,324.63 30,574,998.83 29,929,311.13 29,276,176.62 28,615,509.42 27,947,222.64
$ 631,047.84 $ 638,325.80 $ 645,687.70 $ 653,134.51 $ 660,667.20 $ 668,286.77
$ 367,265.67 $ 359,987.70 $ 352,625.80 $ 345,178.99 $ 337,646.30 $ 330,026.73
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

21 22 23 24 25 26
33 34 35 36 37 38
32,293,576.02 31,780,979.58 31,268,383.13 30,755,786.69 30,243,190.24 29,730,593.80
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 378,358.24 372,446.40 366,534.55 360,622.70 354,710.85 348,799.01
890,954.69 885,042.84 879,130.99 873,219.15 867,307.30 861,395.45

21 22 23 24 25 26
33 34 35 36 37 38
35,821,938.53 35,431,975.13 35,037,514.22 34,638,503.94 34,234,891.82 33,826,624.79
$ 385,517.18 $ 389,963.40 $ 394,460.91 $ 399,010.28 $ 403,612.12 $ 408,267.04
$ 417,585.73 $ 413,139.50 $ 408,642.00 $ 404,092.63 $ 399,490.78 $ 394,835.87
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 27 28 29 30 31 32
39 40 41 42 43 44
10,764,525.34 9,568,466.97 8,372,408.60 7,176,350.23 5,980,291.86 4,784,233.48
1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37
137,943.11 124,148.80 110,354.49 96,560.18 82,765.87 68,971.55
1,334,001.48 1,320,207.17 1,306,412.86 1,292,618.55 1,278,824.24 1,265,029.93

27 28 29 30 31 32
39 40 41 42 43 44
12,483,596.75 11,159,296.65 9,819,723.20 8,464,700.26 7,094,049.65 5,707,591.13
$ 1,309,200.91 $ 1,324,300.11 $ 1,339,573.45 $ 1,355,022.94 $ 1,370,650.61 $ 1,386,458.52
$ 159,074.29 $ 143,975.09 $ 128,701.75 $ 113,252.26 $ 97,624.59 $ 81,816.68
1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20

27 28 29 30 31 32
39 40 41 42 43 44
23,681,955.75 22,964,320.73 22,246,685.70 21,529,050.68 20,811,415.66 20,093,780.64
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
281,403.94 273,127.36 264,850.77 256,574.18 248,297.60 240,021.01
999,038.97 990,762.38 982,485.79 974,209.21 965,932.62 957,656.03

27 28 29 30 31 32
39 40 41 42 43 44
27,271,228.43 26,587,437.87 25,895,761.06 25,196,107.05 24,488,383.82 23,772,498.32
$ 675,994.22 $ 683,790.56 $ 691,676.81 $ 699,654.02 $ 707,723.23 $ 715,885.50
$ 322,319.29 $ 314,522.95 $ 306,636.70 $ 298,659.49 $ 290,590.28 $ 282,428.01
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

27 28 29 30 31 32
39 40 41 42 43 44
29,217,997.35 28,705,400.91 28,192,804.46 27,680,208.02 27,167,611.57 26,655,015.13
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 342,887.16 336,975.31 331,063.46 325,151.62 319,239.77 313,327.92
855,483.60 849,571.76 843,659.91 837,748.06 831,836.21 825,924.37

27 28 29 30 31 32
39 40 41 42 43 44
33,413,649.15 32,995,910.60 32,573,354.22 32,145,924.43 31,713,565.04 31,276,219.18
$ 412,975.64 $ 417,738.55 $ 422,556.38 $ 427,429.79 $ 432,359.39 $ 437,345.86
$ 390,127.27 $ 385,364.36 $ 380,546.52 $ 375,673.12 $ 370,743.51 $ 365,757.05
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 33 34 35 36
45 46 47 48
3,588,175.11 2,392,116.74 1,196,058.37 - 0.00
1,196,058.37 1,196,058.37 1,196,058.37 1,196,058.37
55,177.24 41,382.93 27,588.62 13,794.31
1,251,235.62 1,237,441.30 1,223,646.99 1,209,852.68

33 34 35 36
45 46 47 48
4,305,142.39 2,886,519.01 1,451,534.45 0.00
$ 1,402,448.74 $ 1,418,623.38 $ 1,434,984.57 $ 1,451,534.45
$ 65,826.46 $ 49,651.82 $ 33,290.63 $ 16,740.75
1,468,275.20 1,468,275.20 1,468,275.20 1,468,275.20

33 34 35 36 37 38 39
45 46 47 48 49 50 51
19,376,145.61 18,658,510.59 17,940,875.57 17,223,240.54 ### ### ###
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
231,744.42 223,467.84 215,191.25 206,914.66 198,638.08 190,361.49 182,084.90
949,379.45 941,102.86 932,826.27 924,549.69 916,273.10 907,996.51 899,719.93

33 34 35 36 37 38 39
45 46 47 48 49 50 51
23,048,356.42 22,315,862.88 21,574,921.39 20,825,434.51 ### ### ###
$ 724,141.91 $ 732,493.54 $ 740,941.49 $ 749,486.87 ### ### ###
$ 274,171.60 $ 265,819.97 $ 257,372.01 $ 248,826.63 ### ### ###
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

33 34 35 36 37 38 39
45 46 47 48 49 50 51
26,142,418.68 25,629,822.24 25,117,225.79 24,604,629.35 ### ### ###
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 307,416.07 301,504.23 295,592.38 289,680.53 283,768.68 277,856.84 271,944.99
820,012.52 814,100.67 808,188.82 802,276.98 796,365.13 790,453.28 784,541.43

33 34 35 36 37 38 39
45 46 47 48 49 50 51
30,833,829.35 30,386,337.38 29,933,684.42 29,475,810.94 ### ### ###
$ 442,389.83 $ 447,491.97 $ 452,652.96 $ 457,873.47 ### ### ###
$ 360,713.08 $ 355,610.93 $ 350,449.94 $ 345,229.43 ### ### ###
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 40 41 42 43 44 45 46 47
52 53 54 55 56 57 58 59
### ### ### ### ### ### ### ###
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
173,808.32 165,531.73 157,255.15 148,978.56 140,701.97 132,425.39 124,148.80 115,872.21
891,443.34 883,166.75 874,890.17 866,613.58 858,336.99 850,060.41 841,783.82 833,507.23

40 41 42 43 44 45 46 47
52 53 54 55 56 57 58 59
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

40 41 42 43 44 45 46 47
52 53 54 55 56 57 58 59
### ### ### ### ### ### ### ###
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
266,033.14 260,121.29 254,209.45 248,297.60 242,385.75 236,473.90 230,562.05 224,650.21
778,629.59 772,717.74 766,805.89 760,894.04 754,982.19 749,070.35 743,158.50 737,246.65

40 41 42 43 44 45 46 47
52 53 54 55 56 57 58 59
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 48 49 50 51 52 53 54 55
60 61 62 63 64 65 66 67
### ### ### ### ### ### ### ###
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
107,595.63 99,319.04 91,042.45 82,765.87 74,489.28 66,212.69 57,936.11 49,659.52
825,230.65 816,954.06 808,677.48 800,400.89 792,124.30 783,847.72 775,571.13 767,294.54

48 49 50 51 52 53 54 55
60 61 62 63 64 65 66 67
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### ### ### $ 97,891.92 $ 87,507.23 $ 77,002.77 $ 66,377.17
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

48 49 50 51 52 53 54 55
60 61 62 63 64 65 66 67
### ### ### ### ### ### ### ###
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
218,738.36 212,826.51 206,914.66 201,002.82 195,090.97 189,179.12 183,267.27 177,355.43
731,334.80 725,422.96 719,511.11 713,599.26 707,687.41 701,775.57 695,863.72 689,951.87

48 49 50 51 52 53 54 55
60 61 62 63 64 65 66 67
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 56 57 58 59 60
68 69 70 71 72
### ### ### 717,635.02 0.00
717,635.02 717,635.02 717,635.02 717,635.02 717,635.02
41,382.93 33,106.35 24,829.76 16,553.17 8,276.59
759,017.96 750,741.37 742,464.78 734,188.20 725,911.61

56 57 58 59 60
68 69 70 71 72
### ### ### 986,931.09 0.00
### ### ### ### ###
$ 55,629.01 $ 44,756.90 $ 33,759.39 $ 22,635.05 $ 11,382.42
998,313.50 998,313.50 998,313.50 998,313.50 998,313.50

56 57 58 59 60 61 62 63
68 69 70 71 72 73 74 75
### ### ### ### ### ### ### ###
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
171,443.58 165,531.73 159,619.88 153,708.04 147,796.19 141,884.34 135,972.49 130,060.65
684,040.02 678,128.18 672,216.33 666,304.48 660,392.63 654,480.79 648,568.94 642,657.09

56 57 58 59 60 61 62 63
68 69 70 71 72 73 74 75
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 64 65 66 67 68 69 70 71
76 77 78 79 80 81 82 83
### ### ### ### ### ### ### ###
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
124,148.80 118,236.95 112,325.10 106,413.26 100,501.41 94,589.56 88,677.71 82,765.87
636,745.24 630,833.40 624,921.55 619,009.70 613,097.85 607,186.01 601,274.16 595,362.31

64 65 66 67 68 69 70 71
76 77 78 79 80 81 82 83
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 72 73 74 75 76 77 78 79
84 85 86 87 88 89 90 91
### ### ### ### ### ### ### ###
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 76,854.02 70,942.17 65,030.32 59,118.48 53,206.63 47,294.78 41,382.93 35,471.09
589,450.46 583,538.62 577,626.77 571,714.92 565,803.07 559,891.23 553,979.38 548,067.53

72 73 74 75 76 77 78 79
84 85 86 87 88 89 90 91
### ### ### ### ### ### ### ###
### ### ### ### ### ### ### ###
### ### $ 95,173.56 $ 87,008.91 $ 78,750.10 $ 70,396.03 $ 61,945.62 $ 53,397.75
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
 80 81 82 83 84
92 93 94 95 96
### ### ### 512,596.44 0
512,596.44 512,596.44 512,596.44 512,596.44 512,596.44
 29,559.24 23,647.39 17,735.54 11,823.70 5,911.85
542,155.68 536,243.84 530,331.99 524,420.14 518,508.29

80 81 82 83 84
92 93 94 95 96
### ### ### 793,946.21 - 0
### ### ### ### $ 793,946.21
$ 44,751.29 $ 36,005.12 $ 27,158.07 $ 18,208.99 $ 9,156.69
803,102.90 803,102.90 803,102.90 803,102.90 803,102.90
MAZDA 3 2018 67,800,000 70
MAZDA 3 2020 95,000,000 -35.7%
BANCO OCCIDENTE BANCOLOMBIA
TASA 10.84% 15.65%
PRECIO VEHICU 37,000,000
PRECIO CONCES 32,000,000
PRESTAMO 63,000,000
0 1
SALDO 63,000,000 52,851,825
CAPITAL 10,148,175
INTERES 6,829,200
CUOTA 16,977,375
SEGURO DE VIDA 1,500,000
C+S 18,477,375
DIFERENCIAL DE SEGUROS TODORIESGO 500,000
GASOLINA 1,500,000
TOTAL 20,477,375

FLUJO DE CAJA PROFE 0 1

COMPRA DE CARRO - 95,000,000
PRESTAMO 63,000,000
COSTOS ADICIONALES - 20,477,375
VALOR DE DESECHO

FFF - 32,000,000 - 20,477,375

VPN - 73,099,633
TIO 3%
 45

2 3 4 5
41,603,587 29,136,040 15,317,011 -
11,248,238 12,467,547 13,819,029 15,317,011
5,729,138 4,509,829 3,158,347 1,660,364
16,977,375 16,977,375 16,977,375 16,977,375
1,500,000 1,500,000 1,500,000 1,500,000
18,477,375 18,477,375 18,477,375 18,477,375
500,000 500,000 500,000 500,000
1,500,000 1,500,000 1,500,000 1,500,000
20,477,375 20,477,375 20,477,375 20,477,375

2 3 4 5

- 20,477,375 - 20,477,375 - 20,477,375 - 20,477,375

61,071,429

- 20,477,375 - 20,477,375 - 20,477,375 40,594,053