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EJERCICIO

ALTERNATIVA 1

VALOR CREDITO $ 10,000,000


CUOTA 1 $ 940,331.72
Nº CUOTAS 12
GRADIENTE $ 1,000
TASA MENSUAL 2.00% MENSUAL
TASA E.A. 26.82% EFECTIVA ANUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 0 0 0
1 $ 940,331.72 199999.992763 $ 740,331.73
2 $ 941,331.72 185193.358754 $ 756,138.36
3 $ 942,331.72 170070.592076 $ 772,261.13
4 $ 943,331.72 154625.370077 $ 788,706.35
5 $ 944,331.72 138851.243649 $ 805,480.48
6 $ 945,331.72 122741.634705 $ 822,590.09
7 $ 946,331.72 106289.833594 $ 840,041.89
8 $ 947,331.72 89488.9964741 $ 857,842.72
9 $ 948,331.72 72332.1426244 $ 875,999.58
10 $ 949,331.72 54812.1517109 $ 894,519.57
11 $ 950,331.72 36921.7609925 $ 913,409.96
12 $ 951,331.72 18653.5624734 $ 932,678.16

ALTERNATIVA 2

VALOR CREDITO $ 10,000,000


CUOTA $ 950,000
Nº CUOTAS 12
TASA MENSUAL 2.08% MENSUAL
TASA E.A. 27.96% EFECTIVA ANUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 0 0 0
1 $ 950,000 207574.157396 $ 742,426
2 $ 950,000 192163.315526 $ 757,837
3 $ 950,000 176432.584403 $ 773,567
4 $ 950,000 160375.323955 $ 789,625
5 $ 950,000 143984.756276 $ 806,015
6 $ 950,000 127253.96277 $ 822,746
7 $ 950,000 110175.881227 $ 839,824
8 $ 950,000 92743.3028452 $ 857,257
9 $ 950,000 74948.8691868 $ 875,051
10 $ 950,000 56785.069071 $ 893,215
11 $ 950,000 38244.2354049 $ 911,756
12 $ 950,000 19318.5419462 $ 930,681

ALTERNATIVA 3

VALOR CREDITO $ 10,000,000


CUOTA $ 950,000
Nº CUOTAS 12
TASA MENSUAL 2.48% MENSUAL
TASA E.A. 34.13% EFECTIVA ANUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 $ 950,000 $ - $ 950,000
1 $ 950,000 $ 224,200 $ 725,800
2 $ 950,000 $ 206,220 $ 743,780
3 $ 950,000 $ 187,794 $ 762,206
4 $ 950,000 $ 168,911 $ 781,089
5 $ 950,000 $ 149,561 $ 800,439
6 $ 950,000 $ 129,731 $ 820,269
7 $ 950,000 $ 109,410 $ 840,590
8 $ 950,000 $ 88,586 $ 861,414
9 $ 950,000 $ 67,245 $ 882,755
10 $ 950,000 $ 45,377 $ 904,623
11 $ 950,000 $ 22,966 $ 927,034
12 0 $ - $ -

ALTERNATIVA 4

VALOR CREDITO $ 10,000,000


CUOTA $ 950,000
GRADIENTE $ 1,000
Nº CUOTAS 12
TASA MENSUAL 2.58% MENSUAL
TASA E.A. 35.83% EFECTIVA ANUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 $ 950,000 0 $ 950,000
1 $ 951,000 $ 233,929 $ 717,071
2 $ 952,000 $ 215,394 $ 736,606
3 $ 953,000 $ 196,354 $ 756,646
4 $ 954,000 $ 176,796 $ 777,204
5 $ 955,000 $ 156,706 $ 798,294
6 $ 956,000 $ 136,071 $ 819,929
7 $ 957,000 $ 114,877 $ 842,123
8 $ 958,000 $ 93,110 $ 864,890
9 $ 959,000 $ 70,754 $ 888,246
10 $ 960,000 $ 47,794 $ 912,206
11 $ 961,000 $ 24,215 $ 936,785
12 $ - $ 0 -$ 0

ALTERNATIVA 5

VALOR CREDITO $ 10,000,000


CUOTA $ 800,000
CUOTAS EXTRAS $ 500,000 EN LA 6 Y 12
Nº CUOTAS 12
TASA MENSUAL 0.88% MENSUAL
TASA E.A. 11.03% EFECTIVA ANUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 0 0 0
1 $ 800,000 $ 87,574 $ 712,426
2 $ 800,000 $ 81,335 $ 718,665
3 $ 800,000 $ 75,041 $ 724,959
4 $ 800,000 $ 68,693 $ 731,307
5 $ 800,000 $ 62,288 $ 737,712
6 $ 1,300,000 $ 55,828 $ 1,244,172
7 $ 800,000 $ 44,932 $ 755,068
8 $ 800,000 $ 38,320 $ 761,680
9 $ 800,000 $ 31,649 $ 768,351
10 $ 800,000 $ 24,921 $ 775,079
11 $ 800,000 $ 18,133 $ 781,867
12 $ 1,300,000 $ 11,286 $ 1,288,714

RESPUESTA: Según nuestra asesoria financiera para el


sr Pedro la mejor alternativa es la Nº 5, ya que esta es
conveniente porque seria con la menor tasa de
interes.
SALDO
$ 10,000,000
$ 9,259,668.27
$ 8,503,529.91
$ 7,731,268.78
$ 6,942,562.43
$ 6,137,081.96
$ 5,314,491.87
$ 4,474,449.99
$ 3,616,607.26
$ 2,740,607.68
$ 1,846,088.12
$ 932,678.16
-$ 0.00

SALDO
$ 10,000,000
$ 9,257,574
$ 8,499,737
$ 7,726,170
$ 6,936,545
$ 6,130,530
$ 5,307,784
$ 4,467,960
$ 3,610,703
$ 2,735,652
$ 1,842,437
$ 930,681
$ 0

SALDO
$ 9,050,000
$ 8,324,200
$ 7,580,420
$ 6,818,213
$ 6,037,124
$ 5,236,685
$ 4,416,416
$ 3,575,826
$ 2,714,412
$ 1,831,658
$ 927,034
$ -
$ -

SALDO
$ 9,050,000
$ 8,332,929
$ 7,596,324
$ 6,839,677
$ 6,062,473
$ 5,264,179
$ 4,444,251
$ 3,602,128
$ 2,737,238
$ 1,848,992
$ 936,785
$ 0
$ 0

Upload 10 documents to earn 5 unlocks.
SALDO
$ 10,000,000
$ 9,287,574
$ 8,568,909
$ 7,843,951
$ 7,112,643
$ 6,374,932
$ 5,130,759
$ 4,375,692
$ 3,614,011
$ 2,845,661
$ 2,070,581
$ 1,288,714
$ 0
VALOR CREDITO $ 886,422
CUOTA $ 20,000
GRADIENTE $ 100
Nº CUOTAS 60
TASA NMV 18.00% MENSUAL
TASA E.A. 19.56%
TASA MENSUAL 1.50%

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 0 0 0
1 $ 20,000 13296.3318 $ 6,704
2 $ 20,100 13195.7767 $ 6,904
3 $ 20,200 13092.2134 $ 7,108
4 $ 20,300 12985.5966 $ 7,314
5 $ 20,400 12875.8805 $ 7,524
6 $ 20,500 12763.0187 $ 7,737
7 $ 20,600 12646.964 $ 7,953
8 $ 20,700 12527.6685 $ 8,172
9 $ 20,800 12405.0835 $ 8,395
10 $ 20,900 12279.1598 $ 8,621
11 $ 21,000 12149.8472 $ 8,850
12 $ 21,100 12017.0949 $ 9,083
13 $ 21,200 11880.8513 $ 9,319
14 $ 21,300 11741.0641 $ 9,559
15 $ 21,400 11597.68 $ 9,802
16 $ 21,500 11450.6452 $ 10,049
17 $ 21,600 11299.9049 $ 10,300
18 $ 21,700 11145.4035 $ 10,555
19 $ 21,800 10987.0845 $ 10,813
20 $ 21,900 10824.8908 $ 11,075
21 $ 22,000 10658.7642 $ 11,341
22 $ 22,100 10488.6456 $ 11,611
23 $ 22,200 10314.4753 $ 11,886
24 $ 22,300 10136.1924 $ 12,164
25 $ 22,400 9953.73531 $ 12,446
26 $ 22,500 9767.04134 $ 12,733
27 $ 22,600 9576.04696 $ 13,024
28 $ 22,700 9380.68767 $ 13,319
29 $ 22,800 9180.89798 $ 13,619
30 $ 22,900 8976.61145 $ 13,923
31 $ 23,000 8767.76062 $ 14,232
32 $ 23,100 8554.27703 $ 14,546
33 $ 23,200 8336.09119 $ 14,864
34 $ 23,300 8113.13256 $ 15,187
35 $ 23,400 7885.32954 $ 15,515
36 $ 23,500 7652.60949 $ 15,847
37 $ 23,600 7414.89863 $ 16,185
38 $ 23,700 7172.12211 $ 16,528
39 $ 23,800 6924.20394 $ 16,876
40 $ 23,900 6671.067 $ 17,229
41 $ 24,000 6412.633 $ 17,587
42 $ 24,100 6148.8225 $ 17,951
43 $ 24,200 5879.55484 $ 18,320
44 $ 24,300 5604.74816 $ 18,695
45 $ 24,400 5324.31938 $ 19,076
46 $ 24,500 5038.18417 $ 19,462
47 $ 24,600 4746.25694 $ 19,854
48 $ 24,700 4448.45079 $ 20,252
49 $ 24,800 4144.67755 $ 20,655
50 $ 24,900 3834.84771 $ 21,065
51 $ 25,000 3518.87043 $ 21,481
52 $ 25,100 3196.65349 $ 21,903
53 $ 25,200 2868.10329 $ 22,332
54 $ 25,300 2533.12484 $ 22,767
55 $ 25,400 2191.62171 $ 23,208
56 $ 25,500 1843.49604 $ 23,657
57 $ 25,600 1488.64848 $ 24,111
58 $ 25,700 1126.9782 $ 24,573
59 $ 25,800 758.382878 $ 25,042
60 $ 25,900 382.758621 $ 25,517
SALDO
$ 886,422
$ 879,718
$ 872,814
$ 865,706
$ 858,392
$ 850,868
$ 843,131
$ 835,178
$ 827,006
$ 818,611
$ 809,990
$ 801,140
$ 792,057
$ 782,738
$ 773,179
$ 763,376
$ 753,327
$ 743,027
$ 732,472
$ 721,659
$ 710,584
$ 699,243
$ 687,632
$ 675,746
$ 663,582
$ 651,136
$ 638,403
$ 625,379
$ 612,060
$ 598,441
$ 584,517
$ 570,285
$ 555,739
$ 540,876
$ 525,689
$ 510,174
$ 494,327
$ 478,141
$ 461,614
$ 444,738
$ 427,509
$ 409,921
$ 391,970
$ 373,650
$ 354,955
$ 335,879
$ 316,417
$ 296,563
$ 276,312
$ 255,657
$ 234,591
$ 213,110
$ 191,207
$ 168,875
$ 146,108
$ 122,900
$ 99,243
$ 75,132
$ 50,559
$ 25,517
-$ 0
VALOR CREDITO $ 80,000,000
CUOTA $ 1,123,850
GRADIENTE $ 500
Nº CUOTAS 120
TASA NMV 12.00% MENSUAL
TASA E.A. 12.68%
TASA MENSUAL 1.00%

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 $ - $ - $ -
1 $ 1,123,850 $ 800,000 $ 323,850
2 $ 1,124,350 $ 796,761 $ 327,589
3 $ 1,124,850 $ 793,486 $ 331,365
4 $ 1,125,350 $ 790,172 $ 335,178
5 $ 1,125,850 $ 786,820 $ 339,030
6 $ 1,126,350 $ 783,430 $ 342,920
7 $ 1,126,850 $ 780,001 $ 346,849
8 $ 1,127,350 $ 776,532 $ 350,818
9 $ 1,127,850 $ 773,024 $ 354,826
10 $ 1,128,350 $ 769,476 $ 358,874
11 $ 1,128,850 $ 765,887 $ 362,963
12 $ 1,129,350 $ 762,257 $ 367,093
13 $ 1,129,850 $ 758,586 $ 371,264
14 $ 1,130,350 $ 754,874 $ 375,476
15 $ 1,130,850 $ 751,119 $ 379,731
16 $ 1,131,350 $ 747,322 $ 384,028
17 $ 1,131,850 $ 743,481 $ 388,369
18 $ 1,132,350 $ 739,598 $ 392,752
19 $ 1,132,850 $ 735,670 $ 397,180
20 $ 1,133,350 $ 731,698 $ 401,652
21 $ 1,133,850 $ 727,682 $ 406,168
22 $ 1,134,350 $ 723,620 $ 410,730
23 $ 1,134,850 $ 719,513 $ 415,337
24 $ 1,135,350 $ 715,360 $ 419,991
25 $ 1,135,850 $ 711,160 $ 424,690
26 $ 1,136,350 $ 706,913 $ 429,437
27 $ 1,136,850 $ 702,618 $ 434,232
28 $ 1,137,350 $ 698,276 $ 439,074
29 $ 1,137,850 $ 693,885 $ 443,965
30 $ 1,138,350 $ 689,446 $ 448,904
31 $ 1,138,850 $ 684,957 $ 453,894
32 $ 1,139,350 $ 680,418 $ 458,932
33 $ 1,139,850 $ 675,828 $ 464,022
34 $ 1,140,350 $ 671,188 $ 469,162
35 $ 1,140,850 $ 666,497 $ 474,354
36 $ 1,141,350 $ 661,753 $ 479,597
37 $ 1,141,850 $ 656,957 $ 484,893
38 $ 1,142,350 $ 652,108 $ 490,242
39 $ 1,142,850 $ 647,206 $ 495,644
40 $ 1,143,350 $ 642,249 $ 501,101
41 $ 1,143,850 $ 637,238 $ 506,612
42 $ 1,144,350 $ 632,172 $ 512,178
43 $ 1,144,850 $ 627,050 $ 517,800
44 $ 1,145,350 $ 621,872 $ 523,478
45 $ 1,145,850 $ 616,638 $ 529,213
46 $ 1,146,350 $ 611,345 $ 535,005
47 $ 1,146,850 $ 605,995 $ 540,855
48 $ 1,147,350 $ 600,587 $ 546,763
49 $ 1,147,850 $ 595,119 $ 552,731
50 $ 1,148,350 $ 589,592 $ 558,758
51 $ 1,148,850 $ 584,004 $ 564,846
52 $ 1,149,350 $ 578,356 $ 570,994
53 $ 1,149,850 $ 572,646 $ 577,204
54 $ 1,150,350 $ 566,874 $ 583,476
55 $ 1,150,850 $ 561,039 $ 589,811
56 $ 1,151,350 $ 555,141 $ 596,209
57 $ 1,151,850 $ 549,179 $ 602,671
58 $ 1,152,350 $ 543,152 $ 609,198
59 $ 1,152,850 $ 537,060 $ 615,790
60 $ 1,153,350 $ 530,902 $ 622,448
61 $ 1,153,850 $ 524,678 $ 629,172
62 $ 1,154,350 $ 518,386 $ 635,964
63 $ 1,154,850 $ 512,026 $ 642,824
64 $ 1,155,350 $ 505,598 $ 649,752
65 $ 1,155,850 $ 499,101 $ 656,749
66 $ 1,156,350 $ 492,533 $ 663,817
67 $ 1,156,850 $ 485,895 $ 670,955
68 $ 1,157,350 $ 479,185 $ 678,165
69 $ 1,157,850 $ 472,404 $ 685,446
70 $ 1,158,350 $ 465,549 $ 692,801
71 $ 1,158,850 $ 458,621 $ 700,229
72 $ 1,159,350 $ 451,619 $ 707,731
73 $ 1,159,850 $ 444,542 $ 715,308
74 $ 1,160,350 $ 437,389 $ 722,961
75 $ 1,160,850 $ 430,159 $ 730,691
76 $ 1,161,350 $ 422,852 $ 738,498
77 $ 1,161,850 $ 415,467 $ 746,383
78 $ 1,162,350 $ 408,003 $ 754,347
79 $ 1,162,850 $ 400,460 $ 762,390
80 $ 1,163,350 $ 392,836 $ 770,514
81 $ 1,163,850 $ 385,131 $ 778,719
82 $ 1,164,350 $ 377,344 $ 787,007
83 $ 1,164,850 $ 369,474 $ 795,377
84 $ 1,165,350 $ 361,520 $ 803,830
85 $ 1,165,850 $ 353,481 $ 812,369
86 $ 1,166,350 $ 345,358 $ 820,992
87 $ 1,166,850 $ 337,148 $ 829,702
88 $ 1,167,350 $ 328,851 $ 838,499
89 $ 1,167,850 $ 320,466 $ 847,384
90 $ 1,168,350 $ 311,992 $ 856,358
91 $ 1,168,850 $ 303,428 $ 865,422
92 $ 1,169,350 $ 294,774 $ 874,576
93 $ 1,169,850 $ 286,028 $ 883,822
94 $ 1,170,350 $ 277,190 $ 893,160
95 $ 1,170,850 $ 268,259 $ 902,592
96 $ 1,171,350 $ 259,233 $ 912,117
97 $ 1,171,850 $ 250,112 $ 921,739
98 $ 1,172,350 $ 240,894 $ 931,456
99 $ 1,172,850 $ 231,580 $ 941,271
100 $ 1,173,350 $ 222,167 $ 951,183
101 $ 1,173,850 $ 212,655 $ 961,195
102 $ 1,174,350 $ 203,043 $ 971,307
103 $ 1,174,850 $ 193,330 $ 981,520
104 $ 1,175,350 $ 183,515 $ 991,835
105 $ 1,175,850 $ 173,597 $ 1,002,254
106 $ 1,176,350 $ 163,574 $ 1,012,776
107 $ 1,176,850 $ 153,446 $ 1,023,404
108 $ 1,177,350 $ 143,212 $ 1,034,138
109 $ 1,177,850 $ 132,871 $ 1,044,979
110 $ 1,178,350 $ 122,421 $ 1,055,929
111 $ 1,178,850 $ 111,862 $ 1,066,988
112 $ 1,179,350 $ 101,192 $ 1,078,158
113 $ 1,179,850 $ 90,410 $ 1,089,440
114 $ 1,180,350 $ 79,516 $ 1,100,834
115 $ 1,180,850 $ 68,507 $ 1,112,343
116 $ 1,181,350 $ 57,384 $ 1,123,966
117 $ 1,181,850 $ 46,144 $ 1,135,706
118 $ 1,182,350 $ 34,787 $ 1,147,563
119 $ 1,182,850 $ 23,312 $ 1,159,538
120 $ 1,183,350 $ 11,716 $ 1,171,634
SALDO
$ 80,000,000
$ 79,676,150
$ 79,348,561
$ 79,017,197
$ 78,682,018
$ 78,342,988
$ 78,000,068
$ 77,653,219
$ 77,302,401
$ 76,947,575
$ 76,588,700
$ 76,225,737
$ 75,858,644
$ 75,487,381
$ 75,111,904
$ 74,732,173
$ 74,348,145
$ 73,959,776
$ 73,567,024
$ 73,169,844
$ 72,768,192
$ 72,362,024
$ 71,951,294
$ 71,535,957
$ 71,115,966
$ 70,691,275
$ 70,261,838
$ 69,827,606
$ 69,388,532
$ 68,944,567
$ 68,495,663
$ 68,041,769
$ 67,582,837
$ 67,118,815
$ 66,649,653
$ 66,175,299
$ 65,695,702
$ 65,210,809
$ 64,720,567
$ 64,224,923
$ 63,723,822
$ 63,217,210
$ 62,705,032
$ 62,187,232
$ 61,663,754
$ 61,134,541
$ 60,599,537
$ 60,058,682
$ 59,511,919
$ 58,959,188
$ 58,400,429
$ 57,835,583
$ 57,264,589
$ 56,687,385
$ 56,103,909
$ 55,514,097
$ 54,917,888
$ 54,315,217
$ 53,706,019
$ 53,090,229
$ 52,467,781
$ 51,838,609
$ 51,202,645
$ 50,559,821
$ 49,910,069
$ 49,253,320
$ 48,589,503
$ 47,918,548
$ 47,240,383
$ 46,554,937
$ 45,862,136
$ 45,161,907
$ 44,454,176
$ 43,738,867
$ 43,015,906
$ 42,285,215
$ 41,546,717
$ 40,800,334
$ 40,045,987
$ 39,283,597
$ 38,513,083
$ 37,734,363
$ 36,947,357
$ 36,151,980
$ 35,348,150
$ 34,535,781
$ 33,714,789
$ 32,885,087
$ 32,046,587
$ 31,199,203
$ 30,342,845
$ 29,477,423
$ 28,602,847
$ 27,719,026
$ 26,825,866
$ 25,923,274
$ 25,011,157
$ 24,089,418
$ 23,157,962
$ 22,216,692
$ 21,265,508
$ 20,304,313
$ 19,333,006
$ 18,351,486
$ 17,359,651
$ 16,357,397
$ 15,344,621
$ 14,321,217
$ 13,287,079
$ 12,242,100
$ 11,186,171
$ 10,119,182
$ 9,041,024
$ 7,951,584
$ 6,850,750
$ 5,738,407
$ 4,614,441
$ 3,478,735
$ 2,331,172
$ 1,171,634
-$ 0
VALOR CREDITO $ 27,722,134
CUOTA $ 1,250,000 ANTICIPADA
GRADIENTE $ 10,000 DECRECIENTE
Nº CUOTAS 36 MENSUAL
TASA MENSUAL 2.30%

Nº CUOTA VALOR DE CUOTA VLR INTERES


0 $ 1,250,000 $ -
1 $ 1,240,000 608859.07163
2 $ 1,230,000 594342.83028
3 $ 1,220,000 579722.71538
4 $ 1,210,000 564996.33783
5 $ 1,200,000 550161.2536
6 $ 1,190,000 535214.96243
7 $ 1,180,000 520154.90657
8 $ 1,170,000 504978.46942
9 $ 1,160,000 489682.97422
10 $ 1,150,000 474265.68263
11 $ 1,140,000 458723.79333
12 $ 1,130,000 443054.44057
13 $ 1,120,000 427254.69271
14 $ 1,110,000 411321.55064
15 $ 1,100,000 395251.9463
16 $ 1,090,000 379042.74107
17 $ 1,080,000 362690.72411
18 $ 1,070,000 346192.61077
19 $ 1,060,000 329545.04081
20 $ 1,050,000 312744.57675
21 $ 1,040,000 295787.70202
22 $ 1,030,000 278670.81916
23 $ 1,020,000 261390.248
24 $ 1,010,000 243942.22371
25 $ 1,000,000 226322.89485
26 $ 990,000 208528.32144
27 $ 980,000 190554.47283
28 $ 970,000 172397.2257
29 $ 960,000 154052.3619
30 $ 950,000 135515.56622
31 $ 940,000 116782.42424
32 $ 930,000 97848.419999
33 $ 920,000 78708.933659
34 $ 910,000 59359.239133
35 $ 900,000 39794.501633
36 $ 890,000 20009.775171
AMORTIZACION SALDO
$ 1,250,000 $ 26,472,134
$ 631,141 $ 25,840,993
$ 635,657 $ 25,205,335
$ 640,277 $ 24,565,058
$ 645,004 $ 23,920,055
$ 649,839 $ 23,270,216
$ 654,785 $ 22,615,431
$ 659,845 $ 21,955,586
$ 665,022 $ 21,290,564
$ 670,317 $ 20,620,247
$ 675,734 $ 19,944,513
$ 681,276 $ 19,263,237
$ 686,946 $ 18,576,291
$ 692,745 $ 17,883,546
$ 698,678 $ 17,184,867
$ 704,748 $ 16,480,119
$ 710,957 $ 15,769,162
$ 717,309 $ 15,051,853
$ 723,807 $ 14,328,045
$ 730,455 $ 13,597,590
$ 737,255 $ 12,860,335
$ 744,212 $ 12,116,123
$ 751,329 $ 11,364,793
$ 758,610 $ 10,606,184
$ 766,058 $ 9,840,126
$ 773,677 $ 9,066,449
$ 781,472 $ 8,284,977
$ 789,446 $ 7,495,532
$ 797,603 $ 6,697,929
$ 805,948 $ 5,891,981
$ 814,484 $ 5,077,497
$ 823,218 $ 4,254,279
$ 832,152 $ 3,422,128
$ 841,291 $ 2,580,836
$ 850,641 $ 1,730,196
$ 860,205 $ 869,990
$ 869,990 $ 0
VALOR CREDITO $ 100,000,000
CUOTA $ 956,361
GRADIENTE $ 10,000
Nº CUOTAS 120
TASA MENSUAL 1.00% MENSUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 0 0 0
1 $ 956,361 $1,000,000 -$ 43,639
2 $ 966,361 $1,000,436 -$ 34,076
3 $ 976,361 $1,000,777 -$ 24,416
4 $ 986,361 $1,001,021 -$ 14,660
5 $ 996,361 $1,001,168 -$ 4,807
6 $ 1,006,361 $1,001,216 $ 5,145
7 $ 1,016,361 $1,001,165 $ 15,196
8 $ 1,026,361 $1,001,013 $ 25,348
9 $ 1,036,361 $1,000,759 $ 35,602
10 $ 1,046,361 $1,000,403 $ 45,958
11 $ 1,056,361 $ 999,943 $ 56,417
12 $ 1,066,361 $ 999,379 $ 66,982
13 $ 1,076,361 $ 998,710 $ 77,651
14 $ 1,086,361 $ 997,933 $ 88,428
15 $ 1,096,361 $ 997,049 $ 99,312
16 $ 1,106,361 $ 996,056 $ 110,305
17 $ 1,116,361 $ 994,953 $ 121,408
18 $ 1,126,361 $ 993,738 $ 132,622
19 $ 1,136,361 $ 992,412 $ 143,949
20 $ 1,146,361 $ 990,973 $ 155,388
21 $ 1,156,361 $ 989,419 $ 166,942
22 $ 1,166,361 $ 987,749 $ 178,611
23 $ 1,176,361 $ 985,963 $ 190,398
24 $ 1,186,361 $ 984,059 $ 202,302
25 $ 1,196,361 $ 982,036 $ 214,325
26 $ 1,206,361 $ 979,893 $ 226,468
27 $ 1,216,361 $ 977,628 $ 238,732
28 $ 1,226,361 $ 975,241 $ 251,120
29 $ 1,236,361 $ 972,730 $ 263,631
30 $ 1,246,361 $ 970,094 $ 276,267
31 $ 1,256,361 $ 967,331 $ 289,030
32 $ 1,266,361 $ 964,441 $ 301,920
33 $ 1,276,361 $ 961,421 $ 314,939
34 $ 1,286,361 $ 958,272 $ 328,089
35 $ 1,296,361 $ 954,991 $ 341,370
36 $ 1,306,361 $ 951,577 $ 354,783
37 $ 1,316,361 $ 948,030 $ 368,331
38 $ 1,326,361 $ 944,346 $ 382,015
39 $ 1,336,361 $ 940,526 $ 395,835
40 $ 1,346,361 $ 936,568 $ 409,793
41 $ 1,356,361 $ 932,470 $ 423,891
42 $ 1,366,361 $ 928,231 $ 438,130
43 $ 1,376,361 $ 923,850 $ 452,511
44 $ 1,386,361 $ 919,325 $ 467,036
45 $ 1,396,361 $ 914,654 $ 481,707
46 $ 1,406,361 $ 909,837 $ 496,524
47 $ 1,416,361 $ 904,872 $ 511,489
48 $ 1,426,361 $ 899,757 $ 526,604
49 $ 1,436,361 $ 894,491 $ 541,870
50 $ 1,446,361 $ 889,072 $ 557,289
51 $ 1,456,361 $ 883,499 $ 572,862
52 $ 1,466,361 $ 877,771 $ 588,590
53 $ 1,476,361 $ 871,885 $ 604,476
54 $ 1,486,361 $ 865,840 $ 620,521
55 $ 1,496,361 $ 859,635 $ 636,726
56 $ 1,506,361 $ 853,268 $ 653,093
57 $ 1,516,361 $ 846,737 $ 669,624
58 $ 1,526,361 $ 840,040 $ 686,320
59 $ 1,536,361 $ 833,177 $ 703,184
60 $ 1,546,361 $ 826,145 $ 720,215
61 $ 1,556,361 $ 818,943 $ 737,418
62 $ 1,566,361 $ 811,569 $ 754,792
63 $ 1,576,361 $ 804,021 $ 772,340
64 $ 1,586,361 $ 796,298 $ 790,063
65 $ 1,596,361 $ 788,397 $ 807,964
66 $ 1,606,361 $ 780,317 $ 826,043
67 $ 1,616,361 $ 772,057 $ 844,304
68 $ 1,626,361 $ 763,614 $ 862,747
69 $ 1,636,361 $ 754,987 $ 881,374
70 $ 1,646,361 $ 746,173 $ 900,188
71 $ 1,656,361 $ 737,171 $ 919,190
72 $ 1,666,361 $ 727,979 $ 938,382
73 $ 1,676,361 $ 718,595 $ 957,766
74 $ 1,686,361 $ 709,018 $ 977,343
75 $ 1,696,361 $ 699,244 $ 997,117
76 $ 1,706,361 $ 689,273 $ 1,017,088
77 $ 1,716,361 $ 679,102 $ 1,037,259
78 $ 1,726,361 $ 668,729 $ 1,057,631
79 $ 1,736,361 $ 658,153 $ 1,078,208
80 $ 1,746,361 $ 647,371 $ 1,098,990
81 $ 1,756,361 $ 636,381 $ 1,119,980
82 $ 1,766,361 $ 625,181 $ 1,141,179
83 $ 1,776,361 $ 613,770 $ 1,162,591
84 $ 1,786,361 $ 602,144 $ 1,184,217
85 $ 1,796,361 $ 590,302 $ 1,206,059
86 $ 1,806,361 $ 578,241 $ 1,228,120
87 $ 1,816,361 $ 565,960 $ 1,250,401
88 $ 1,826,361 $ 553,456 $ 1,272,905
89 $ 1,836,361 $ 540,727 $ 1,295,634
90 $ 1,846,361 $ 527,770 $ 1,318,591
91 $ 1,856,361 $ 514,584 $ 1,341,776
92 $ 1,866,361 $ 501,167 $ 1,365,194
93 $ 1,876,361 $ 487,515 $ 1,388,846
94 $ 1,886,361 $ 473,626 $ 1,412,735
95 $ 1,896,361 $ 459,499 $ 1,436,862
96 $ 1,906,361 $ 445,130 $ 1,461,231
97 $ 1,916,361 $ 430,518 $ 1,485,843
98 $ 1,926,361 $ 415,660 $ 1,510,701
99 $ 1,936,361 $ 400,553 $ 1,535,808
100 $ 1,946,361 $ 385,194 $ 1,561,166
101 $ 1,956,361 $ 369,583 $ 1,586,778
102 $ 1,966,361 $ 353,715 $ 1,612,646
103 $ 1,976,361 $ 337,589 $ 1,638,772
104 $ 1,986,361 $ 321,201 $ 1,665,160
105 $ 1,996,361 $ 304,549 $ 1,691,812
106 $ 2,006,361 $ 287,631 $ 1,718,730
107 $ 2,016,361 $ 270,444 $ 1,745,917
108 $ 2,026,361 $ 252,985 $ 1,773,376
109 $ 2,036,361 $ 235,251 $ 1,801,110
110 $ 2,046,361 $ 217,240 $ 1,829,121
111 $ 2,056,361 $ 198,949 $ 1,857,412
112 $ 2,066,361 $ 180,374 $ 1,885,986
113 $ 2,076,361 $ 161,515 $ 1,914,846
114 $ 2,086,361 $ 142,366 $ 1,943,995
115 $ 2,096,361 $ 122,926 $ 1,973,435
116 $ 2,106,361 $ 103,192 $ 2,003,169
117 $ 2,116,361 $ 83,160 $ 2,033,201
118 $ 2,126,361 $ 62,828 $ 2,063,533
119 $ 2,136,361 $ 42,193 $ 2,094,168
120 $ 2,146,361 $ 21,251 $ 2,125,110
SALDO
$ 100,000,000
$ 100,043,639
$ 100,077,715
$ 100,102,131
$ 100,116,791
$ 100,121,598
$ 100,116,454
$ 100,101,257
$ 100,075,909
$ 100,040,307
$ 99,994,349
$ 99,937,932
$ 99,870,950
$ 99,793,299
$ 99,704,871
$ 99,605,559
$ 99,495,254
$ 99,373,845
$ 99,241,223
$ 99,097,274
$ 98,941,886
$ 98,774,944
$ 98,596,333
$ 98,405,935
$ 98,203,634
$ 97,989,309
$ 97,762,842
$ 97,524,109
$ 97,272,989
$ 97,009,358
$ 96,733,091
$ 96,444,061
$ 96,142,141
$ 95,827,201
$ 95,499,113
$ 95,157,743
$ 94,802,959
$ 94,434,628
$ 94,052,614
$ 93,656,779
$ 93,246,986
$ 92,823,095
$ 92,384,965
$ 91,932,454
$ 91,465,417
$ 90,983,711
$ 90,487,187
$ 89,975,698
$ 89,449,094
$ 88,907,224
$ 88,349,935
$ 87,777,074
$ 87,188,484
$ 86,584,008
$ 85,963,487
$ 85,326,761
$ 84,673,668
$ 84,004,043
$ 83,317,723
$ 82,614,539
$ 81,894,324
$ 81,156,906
$ 80,402,114
$ 79,629,775
$ 78,839,712
$ 78,031,748
$ 77,205,705
$ 76,361,401
$ 75,498,654
$ 74,617,279
$ 73,717,091
$ 72,797,901
$ 71,859,520
$ 70,901,754
$ 69,924,411
$ 68,927,294
$ 67,910,206
$ 66,872,947
$ 65,815,316
$ 64,737,108
$ 63,638,118
$ 62,518,139
$ 61,376,959
$ 60,214,368
$ 59,030,151
$ 57,824,091
$ 56,595,971
$ 55,345,570
$ 54,072,665
$ 52,777,031
$ 51,458,440
$ 50,116,664
$ 48,751,470
$ 47,362,623
$ 45,949,889
$ 44,513,027
$ 43,051,796
$ 41,565,953
$ 40,055,252
$ 38,519,444
$ 36,958,277
$ 35,371,499
$ 33,758,853
$ 32,120,081
$ 30,454,921
$ 28,763,109
$ 27,044,379
$ 25,298,462
$ 23,525,086
$ 21,723,976
$ 19,894,855
$ 18,037,443
$ 16,151,456
$ 14,236,610
$ 12,292,615
$ 10,319,180
$ 8,316,011
$ 6,282,811
$ 4,219,278
$ 2,125,110
$ 0
VALOR CREDITO $ 100,000,000
CUOTA $ 850,000
GRADIENTE $ 12,224
Nº CUOTAS 120
TASA MENSUAL 1.00% MENSUAL

Nº CUOTA VALOR DE CUOTA VLR INTERES AMORTIZACION


0 0 0 0
1 $ 850,000 $ 1,000,000 -$ 150,000
2 $ 862,224 $ 1,001,500 -$ 139,276
3 $ 874,447 $ 1,002,893 -$ 128,446
4 $ 886,671 $ 1,004,177 -$ 117,507
5 $ 898,894 $ 1,005,352 -$ 106,458
6 $ 911,118 $ 1,006,417 -$ 95,299
7 $ 923,341 $ 1,007,370 -$ 84,029
8 $ 935,565 $ 1,008,210 -$ 72,646
9 $ 947,788 $ 1,008,937 -$ 61,149
10 $ 960,012 $ 1,009,548 -$ 49,537
11 $ 972,235 $ 1,010,043 -$ 37,808
12 $ 984,459 $ 1,010,422 -$ 25,963
13 $ 996,682 $ 1,010,681 -$ 13,999
14 $ 1,008,906 $ 1,010,821 -$ 1,916
15 $ 1,021,129 $ 1,010,840 $ 10,289
16 $ 1,033,353 $ 1,010,737 $ 22,615
17 $ 1,045,576 $ 1,010,511 $ 35,065
18 $ 1,057,800 $ 1,010,161 $ 47,639
19 $ 1,070,023 $ 1,009,684 $ 60,339
20 $ 1,082,247 $ 1,009,081 $ 73,166
21 $ 1,094,470 $ 1,008,349 $ 86,121
22 $ 1,106,694 $ 1,007,488 $ 99,206
23 $ 1,118,917 $ 1,006,496 $ 112,421
24 $ 1,131,141 $ 1,005,372 $ 125,769
25 $ 1,143,364 $ 1,004,114 $ 139,250
26 $ 1,155,588 $ 1,002,722 $ 152,866
27 $ 1,167,811 $ 1,001,193 $ 166,618
28 $ 1,180,035 $ 999,527 $ 180,508
29 $ 1,192,258 $ 997,722 $ 194,536
30 $ 1,204,482 $ 995,776 $ 208,705
31 $ 1,216,705 $ 993,689 $ 223,016
32 $ 1,228,929 $ 991,459 $ 237,469
33 $ 1,241,152 $ 989,084 $ 252,068
34 $ 1,253,376 $ 986,564 $ 266,812
35 $ 1,265,599 $ 983,896 $ 281,703
36 $ 1,277,823 $ 981,079 $ 296,744
37 $ 1,290,046 $ 978,111 $ 311,935
38 $ 1,302,270 $ 974,992 $ 327,278
39 $ 1,314,493 $ 971,719 $ 342,774
40 $ 1,326,717 $ 968,291 $ 358,425
41 $ 1,338,940 $ 964,707 $ 374,233
42 $ 1,351,164 $ 960,965 $ 390,199
43 $ 1,363,387 $ 957,063 $ 406,324
44 $ 1,375,611 $ 952,999 $ 422,611
45 $ 1,387,834 $ 948,773 $ 439,061
46 $ 1,400,058 $ 944,383 $ 455,675
47 $ 1,412,281 $ 939,826 $ 472,455
48 $ 1,424,505 $ 935,101 $ 489,403
49 $ 1,436,728 $ 930,207 $ 506,521
50 $ 1,448,952 $ 925,142 $ 523,809
51 $ 1,461,175 $ 919,904 $ 541,271
52 $ 1,473,399 $ 914,491 $ 558,907
53 $ 1,485,622 $ 908,902 $ 576,720
54 $ 1,497,846 $ 903,135 $ 594,710
55 $ 1,510,069 $ 897,188 $ 612,881
56 $ 1,522,293 $ 891,059 $ 631,233
57 $ 1,534,516 $ 884,747 $ 649,769
58 $ 1,546,740 $ 878,249 $ 668,490
59 $ 1,558,963 $ 871,564 $ 687,399
60 $ 1,571,187 $ 864,690 $ 706,496
61 $ 1,583,410 $ 857,625 $ 725,785
62 $ 1,595,634 $ 850,367 $ 745,266
63 $ 1,607,857 $ 842,915 $ 764,942
64 $ 1,620,081 $ 835,265 $ 784,815
65 $ 1,632,304 $ 827,417 $ 804,887
66 $ 1,644,528 $ 819,368 $ 825,159
67 $ 1,656,751 $ 811,117 $ 845,634
68 $ 1,668,975 $ 802,660 $ 866,314
69 $ 1,681,198 $ 793,997 $ 887,201
70 $ 1,693,422 $ 785,125 $ 908,296
71 $ 1,705,645 $ 776,042 $ 929,603
72 $ 1,717,869 $ 766,746 $ 951,122
73 $ 1,730,092 $ 757,235 $ 972,857
74 $ 1,742,316 $ 747,506 $ 994,809
75 $ 1,754,539 $ 737,558 $ 1,016,981
76 $ 1,766,763 $ 727,389 $ 1,039,374
77 $ 1,778,986 $ 716,995 $ 1,061,991
78 $ 1,791,210 $ 706,375 $ 1,084,835
79 $ 1,803,433 $ 695,527 $ 1,107,907
80 $ 1,815,657 $ 684,447 $ 1,131,209
81 $ 1,827,880 $ 673,135 $ 1,154,745
82 $ 1,840,104 $ 661,588 $ 1,178,516
83 $ 1,852,327 $ 649,803 $ 1,202,524
84 $ 1,864,551 $ 637,778 $ 1,226,773
85 $ 1,876,774 $ 625,510 $ 1,251,264
86 $ 1,888,998 $ 612,997 $ 1,276,000
87 $ 1,901,221 $ 600,237 $ 1,300,984
88 $ 1,913,445 $ 587,227 $ 1,326,217
89 $ 1,925,668 $ 573,965 $ 1,351,703
90 $ 1,937,892 $ 560,448 $ 1,377,443
91 $ 1,950,115 $ 546,674 $ 1,403,441
92 $ 1,962,339 $ 532,639 $ 1,429,699
93 $ 1,974,562 $ 518,342 $ 1,456,220
94 $ 1,986,786 $ 503,780 $ 1,483,006
95 $ 1,999,009 $ 488,950 $ 1,510,059
96 $ 2,011,233 $ 473,849 $ 1,537,383
97 $ 2,023,456 $ 458,476 $ 1,564,980
98 $ 2,035,680 $ 442,826 $ 1,592,854
99 $ 2,047,903 $ 426,897 $ 1,621,006
100 $ 2,060,127 $ 410,687 $ 1,649,439
101 $ 2,072,350 $ 394,193 $ 1,678,157
102 $ 2,084,574 $ 377,411 $ 1,707,162
103 $ 2,096,797 $ 360,340 $ 1,736,457
104 $ 2,109,021 $ 342,975 $ 1,766,046
105 $ 2,121,244 $ 325,315 $ 1,795,930
106 $ 2,133,468 $ 307,355 $ 1,826,112
107 $ 2,145,691 $ 289,094 $ 1,856,597
108 $ 2,157,915 $ 270,528 $ 1,887,386
109 $ 2,170,138 $ 251,654 $ 1,918,484
110 $ 2,182,362 $ 232,470 $ 1,949,892
111 $ 2,194,585 $ 212,971 $ 1,981,615
112 $ 2,206,809 $ 193,154 $ 2,013,654
113 $ 2,219,032 $ 173,018 $ 2,046,014
114 $ 2,231,256 $ 152,558 $ 2,078,698
115 $ 2,243,479 $ 131,771 $ 2,111,708
116 $ 2,255,703 $ 110,654 $ 2,145,049
117 $ 2,267,926 $ 89,203 $ 2,178,723
118 $ 2,280,150 $ 67,416 $ 2,212,734
119 $ 2,292,373 $ 45,289 $ 2,247,084
120 $ 2,304,597 $ 22,818 $ 2,281,779
SALDO
$ 100,000,000
$ 100,150,000
$ 100,289,276
$ 100,417,722
$ 100,535,229
$ 100,641,687
$ 100,736,987
$ 100,821,015
$ 100,893,661
$ 100,954,810
$ 101,004,346
$ 101,042,155
$ 101,068,118
$ 101,082,117
$ 101,084,033
$ 101,073,744
$ 101,051,129
$ 101,016,064
$ 100,968,425
$ 100,908,087
$ 100,834,921
$ 100,748,800
$ 100,649,595
$ 100,537,173
$ 100,411,405
$ 100,272,155
$ 100,119,289
$ 99,952,671
$ 99,772,163
$ 99,577,626
$ 99,368,921
$ 99,145,905
$ 98,908,436
$ 98,656,368
$ 98,389,556
$ 98,107,853
$ 97,811,109
$ 97,499,174
$ 97,171,896
$ 96,829,122
$ 96,470,697
$ 96,096,464
$ 95,706,265
$ 95,299,940
$ 94,877,329
$ 94,438,268
$ 93,982,593
$ 93,510,138
$ 93,020,735
$ 92,514,214
$ 91,990,405
$ 91,449,134
$ 90,890,227
$ 90,313,507
$ 89,718,797
$ 89,105,916
$ 88,474,682
$ 87,824,913
$ 87,156,422
$ 86,469,024
$ 85,762,527
$ 85,036,743
$ 84,291,476
$ 83,526,534
$ 82,741,719
$ 81,936,832
$ 81,111,673
$ 80,266,038
$ 79,399,724
$ 78,512,523
$ 77,604,227
$ 76,674,624
$ 75,723,502
$ 74,750,645
$ 73,755,836
$ 72,738,855
$ 71,699,481
$ 70,637,490
$ 69,552,655
$ 68,444,748
$ 67,313,539
$ 66,158,795
$ 64,980,279
$ 63,777,755
$ 62,550,982
$ 61,299,717
$ 60,023,717
$ 58,722,733
$ 57,396,516
$ 56,044,813
$ 54,667,369
$ 53,263,928
$ 51,834,229
$ 50,378,009
$ 48,895,003
$ 47,384,944
$ 45,847,561
$ 44,282,581
$ 42,689,727
$ 41,068,721
$ 39,419,282
$ 37,741,124
$ 36,033,962
$ 34,297,505
$ 32,531,459
$ 30,735,530
$ 28,909,417
$ 27,052,820
$ 25,165,434
$ 23,246,950
$ 21,297,058
$ 19,315,443
$ 17,301,789
$ 15,255,775
$ 13,177,077
$ 11,065,369
$ 8,920,320
$ 6,741,597
$ 4,528,863
$ 2,281,779
-$ 0