DESARROLLO

PUNTO UNO
OPCION A

HOY $ 2,000,000.00
TASA 18.60% 1.55%
n 21 MESES

VF $ 2,762,539.38

PUNTO 2 MESADA PENSIONAL

PESOS CONSTANTES cargo 1

SALARIO 2020 $ 4,500,000.00
APORTE PENSIONAL $ 720,000.00
APORTE AHORRO $ 540,000.00
AHORRO AÑO $ 6,480,000.00
TASA EFETIVA ANUAL 4.0%
TIEMPO AHORRO 15
ESPERANZA VIDA 79
15

FONDO PRIVADO $129,752,847.89

MESADA PENSIONAL 264

VALOR MES $ 1,816,655.95

FONDO PUBLICO

BASE SALARIAL $ 10,000,000.00

MESADA $ 2,145,000.00

ahorro año
tasa
tiempo 40
PINTO 5
MONTO $ 30,000.00
INTERES 18% anual capitalizable trimestralmente
TRIMESTRAL 4.50%

mes 18 6

VALOR MES 18 $ 39,068.00

 OPCION B

$ 2,000,000.00 rta:
18% 4.71% la mejor opcion para nosotros al prestar dinero es la b al 18% trim
21 MESES 7

$ 2,760,241.70

CARGO 2 CARGO 3
$ 3,100,000.00 $ 2,500,000.00
$ 496,000.00 $ 400,000.00
$ 372,000.00 $ 300,000.00
$ 4,464,000.00 $ 3,600,000.00
4.0% 4.0%
AÑOS 19 AÑOS 4 AÑOS
AÑOS 79 AÑOS 79 AÑOS
19 4

$319,803,860.97 319803861
$123,524,368.04 $144,506,039.32
$15,287,270.40

TOTAL AHOR $479,597,170.69

$ 18,600,000.00 $ 2,860,000.00

39 $ 21,138,003.63
$ 7,200,000.00 38 $ 20,562,260.34
2.8% 37 $ 20,002,198.77
40 36 $ 19,457,391.80
35 $ 18,927,423.93
 34 $ 18,411,890.99
33 $ 17,910,399.79
$518,923,847.55 32 $ 17,422,567.89
31 $ 16,948,023.24
30 $ 16,486,403.93
29 $ 16,037,357.91
28 $ 15,600,542.71
27 $ 15,175,625.21
26 $ 14,762,281.33
25 $ 14,360,195.85
24 $ 13,969,062.11
23 $ 13,588,581.82
22 $ 13,218,464.80
21 $ 12,858,428.80
20 $ 12,508,199.22
19 $ 12,167,508.97
18 $ 11,836,098.22
17 $ 11,513,714.22
16 $ 11,200,111.11
15 $ 10,895,049.72
14 $ 10,598,297.39
13 $ 10,309,627.81
12 $ 10,028,820.83
11 $ 9,755,662.28
10 $ 9,489,943.85
9 $ 9,231,462.89
8 $ 8,980,022.27
7 $ 8,735,430.22
6 $ 8,497,500.22
5 $ 8,266,050.80
4 $ 8,040,905.44
3 $ 7,821,892.45
2 $ 7,608,844.80
1 $ 7,401,600.00
0 $ 7,200,000.00
$ 518,923,847.55
tar dinero es la b al 18% trimestralmente
 PUNTO SIETE

credito $ 20,000,000 cuota

plazo 5 años 1
cuotas mensuales 2
tasa 15.00% anual 3
4
5
interes 1.25% 6
cuotas 60 7
valor cuotas $ 475,799.00 8
9
10
11
a) los intereses pagados son 12
13
$ 8,547,940.00 14
15
b) cancelar totalidad prestamo 16
$ 15,949,390.00 17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
 saldo obligacion vlr interes vlr amortizacion vlr cuota
$ 20,000,000 $ 250,000.00 $ 225,799.00 $ 475,799.00
$ 19,774,201.00 $ 247,178.00 $ 228,621.00 $ 475,799.00
$ 19,545,580.00 $ 244,320.00 $ 231,479.00 $ 475,799.00
$ 19,314,101.00 $ 241,426.00 $ 234,373.00 $ 475,799.00
$ 19,079,728.00 $ 238,497.00 $ 237,302.00 $ 475,799.00
$ 18,842,426.00 $ 235,530.00 $ 240,269.00 $ 475,799.00
$ 18,602,157.00 $ 232,527.00 $ 243,272.00 $ 475,799.00
$ 18,358,885.00 $ 229,486.00 $ 246,313.00 $ 475,799.00
$ 18,112,572.00 $ 226,407.00 $ 249,392.00 $ 475,799.00
$ 17,863,180.00 $ 223,290.00 $ 252,509.00 $ 475,799.00
$ 17,610,671.00 $ 220,133.00 $ 255,666.00 $ 475,799.00
$ 17,355,005.00 $ 216,938.00 $ 258,861.00 $ 475,799.00
$ 17,096,144.00 $ 213,702.00 $ 262,097.00 $ 475,799.00
$ 16,834,047.00 $ 210,426.00 $ 265,373.00 $ 475,799.00
$ 16,568,674.00 $ 207,108.00 $ 268,691.00 $ 475,799.00
$ 16,299,983.00 $ 203,750.00 $ 272,049.00 $ 475,799.00
$ 16,027,934.00 $ 200,349.00 $ 275,450.00 $ 475,799.00
$ 15,752,484.00 $ 196,906.00 $ 278,893.00 $ 475,799.00
$ 15,473,591.00 $ 193,420.00 $ 282,379.00 $ 475,799.00
$ 15,191,212.00 $ 189,890.00 $ 285,909.00 $ 475,799.00
$ 14,905,303.00 $ 186,316.00 $ 289,483.00 $ 475,799.00
$ 14,615,820.00 $ 182,698.00 $ 293,101.00 $ 475,799.00
$ 14,322,719.00 $ 179,034.00 $ 296,765.00 $ 475,799.00
$ 14,025,954.00 $ 175,324.00 $ 300,475.00 $ 475,799.00
$ 13,725,479.00 $ 171,568.00 $ 304,231.00 $ 475,799.00
$ 13,421,248.00 $ 167,766.00 $ 308,033.00 $ 475,799.00
$ 13,113,215.00 $ 163,915.00 $ 311,884.00 $ 475,799.00
$ 12,801,331.00 $ 160,017.00 $ 315,782.00 $ 475,799.00
$ 12,485,549.00 $ 156,069.00 $ 319,730.00 $ 475,799.00
$ 12,165,819.00 $ 152,073.00 $ 323,726.00 $ 475,799.00
$ 11,842,093.00 $ 148,026.00 $ 327,773.00 $ 475,799.00
$ 11,514,320.00 $ 143,929.00 $ 331,870.00 $ 475,799.00
$ 11,182,450.00 $ 139,781.00 $ 336,018.00 $ 475,799.00
$ 10,846,432.00 $ 135,580.00 $ 340,219.00 $ 475,799.00
$ 10,506,213.00 $ 131,328.00 $ 344,471.00 $ 475,799.00
$ 10,161,742.00 $ 127,022.00 $ 348,777.00 $ 475,799.00
$ 9,812,965.00 $ 122,662.00 $ 353,137.00 $ 475,799.00
$ 9,459,828.00 $ 118,248.00 $ 357,551.00 $ 475,799.00
$ 9,102,277.00 $ 113,778.00 $ 362,021.00 $ 475,799.00
$ 8,740,256.00 $ 109,253.00 $ 366,546.00 $ 475,799.00
$ 8,373,710.00 $ 104,671.00 $ 371,128.00 $ 475,799.00
$ 8,002,582.00 $ 100,032.00 $ 375,767.00 $ 475,799.00
$ 7,626,815.00 $ 95,335.00 $ 380,464.00 $ 475,799.00
$ 7,246,351.00 $ 90,579.00 $ 385,220.00 $ 475,799.00
$ 6,861,131.00 $ 85,764.00 $ 390,035.00 $ 475,799.00
$ 6,471,096.00 $ 80,889.00 $ 394,910.00 $ 475,799.00
$ 6,076,186.00 $ 75,952.00 $ 399,847.00 $ 475,799.00
$ 5,676,339.00 $ 70,954.00 $ 404,845.00 $ 475,799.00
$ 5,271,494.00 $ 65,894.00 $ 409,905.00 $ 475,799.00
$ 4,861,589.00 $ 60,770.00 $ 415,029.00 $ 475,799.00
$ 4,446,560.00 $ 55,582.00 $ 420,217.00 $ 475,799.00
$ 4,026,343.00 $ 50,329.00 $ 425,470.00 $ 475,799.00
$ 3,600,873.00 $ 45,011.00 $ 430,788.00 $ 475,799.00
$ 3,170,085.00 $ 39,626.00 $ 436,173.00 $ 475,799.00
$ 2,733,912.00 $ 34,174.00 $ 441,625.00 $ 475,799.00
$ 2,292,287.00 $ 28,654.00 $ 447,145.00 $ 475,799.00
$ 1,845,142.00 $ 23,064.00 $ 452,735.00 $ 475,799.00
$ 1,392,407.00 $ 17,405.00 $ 458,394.00 $ 475,799.00
$ 934,013.00 $ 11,675.00 $ 464,124.00 $ 475,799.00
$ 469,889.00 $ 5,910.00 $ 469,889.00 $ 475,799.00
$ 8,547,940.00 $ 20,000,000.00 $ 28,547,940.00