NUEVO SALDOSALDO ANTERIOR AMORT + INTER SALDO / # PAGOS

POR LA TASA ABONO A CAPITAL

PERIODO SALDO INTERÉS CUOTA AMORTIZACION
0 $ 5,000,000 $0 $0 $0
1 $ 4,166,667 $ 75,000 $ 908,333 $ 833,333
2 $ 3,333,333 $ 62,500 $ 895,833 $ 833,333
3 $ 2,500,000 $ 50,000 $ 883,333 $ 833,333
4 $ 1,666,667 $ 37,500 $ 870,833 $ 833,333
5 $ 833,333 $ 25,000 $ 858,333 $ 833,333
6 $0 $ 12,500 $ 845,833 $ 833,333

ANUALIDAD
PERIODO SALDO INTERÉS CUOTA AMORTIZACION
0 $ 5,000,000 $0 $0 $0
1 $ 4,197,374 $ 75,000 $ 877,626 $ 802,626
2 $ 3,382,708 $ 62,961 $ 877,626 $ 814,665
3 $ 2,555,823 $ 50,741 $ 877,626 $ 826,885
4 $ 1,716,534 $ 38,337 $ 877,626 $ 839,289
5 $ 864,656 $ 25,748 $ 877,626 $ 851,878
6 $0 $ 12,970 $ 877,626 $ 864,656
 S = S(n-1) - A I = S(n-1)*TASA C=I A=C-I
PERIODO SALDO INTERÉS CUOTA AMORTIZACION
0 $ 5,000,000 $0 $0 $0
1 $ 5,000,000 $ 75,000 $ 75,000 $0
2 $ 5,000,000 $ 75,000 $ 75,000 $0
3 $ 5,000,000 $ 75,000 $ 75,000 $0
4 $ 5,000,000 $ 75,000 $ 75,000 $0
5 $ 5,000,000 $ 75,000 $ 75,000 $0
6 $0 $ 75,000 $ 5,075,000 $ 5,000,000
SISTEMA DE AMORTIZACIÓN CON ABONO CONSTANTE A CAPITAL - ACC
PRÉSTAMO: $ 30,000,000
INTERÉS: 15% A
ie = 1.17% m
PERIODO: 36 meses
ABONO: $ 833,333

PERÍODO SALDO INTERÉS CUOTA AMORTIZACIÓN

0 $ 30,000,000 $0 $0 $0
1 $ 29,166,667 $ 351,448 $ 1,184,781 $ 833,333
2 $ 28,333,333 $ 341,685 $ 1,175,018 $ 833,333
3 $ 27,500,000 $ 331,923 $ 1,165,256 $ 833,333
4 $ 26,666,667 $ 322,160 $ 1,155,494 $ 833,333
5 $ 25,833,333 $ 312,398 $ 1,145,731 $ 833,333
6 $ 25,000,000 $ 302,635 $ 1,135,969 $ 833,333
7 $ 24,166,667 $ 292,873 $ 1,126,206 $ 833,333
8 $ 23,333,333 $ 283,110 $ 1,116,444 $ 833,333
9 $ 22,500,000 $ 273,348 $ 1,106,681 $ 833,333
10 $ 21,666,667 $ 263,586 $ 1,096,919 $ 833,333
11 $ 20,833,333 $ 253,823 $ 1,087,157 $ 833,333
12 $ 20,000,000 $ 244,061 $ 1,077,394 $ 833,333
13 $ 19,166,667 $ 234,298 $ 1,067,632 $ 833,333
14 $ 18,333,333 $ 224,536 $ 1,057,869 $ 833,333
15 $ 17,500,000 $ 214,773 $ 1,048,107 $ 833,333
16 $ 16,666,667 $ 205,011 $ 1,038,344 $ 833,333
17 $ 15,833,333 $ 195,249 $ 1,028,582 $ 833,333
18 $ 15,000,000 $ 185,486 $ 1,018,820 $ 833,333
19 $ 14,166,667 $ 175,724 $ 1,009,057 $ 833,333
20 $ 13,333,333 $ 165,961 $ 999,295 $ 833,333
21 $ 12,500,000 $ 156,199 $ 989,532 $ 833,333
22 $ 11,666,667 $ 146,436 $ 979,770 $ 833,333
23 $ 10,833,333 $ 136,674 $ 970,007 $ 833,333
24 $ 10,000,000 $ 126,912 $ 960,245 $ 833,333
25 $ 9,166,667 $ 117,149 $ 950,483 $ 833,333
26 $ 8,333,333 $ 107,387 $ 940,720 $ 833,333
27 $ 7,500,000 $ 97,624 $ 930,958 $ 833,333
28 $ 6,666,667 $ 87,862 $ 921,195 $ 833,333
29 $ 5,833,333 $ 78,099 $ 911,433 $ 833,333
30 $ 5,000,000 $ 68,337 $ 901,670 $ 833,333
31 $ 4,166,667 $ 58,575 $ 891,908 $ 833,333
32 $ 3,333,333 $ 48,812 $ 882,145 $ 833,333
33 $ 2,500,000 $ 39,050 $ 872,383 $ 833,333
34 $ 1,666,667 $ 29,287 $ 862,621 $ 833,333
35 $ 833,333 $ 19,525 $ 852,858 $ 833,333
 36 $0 $ 9,762 $ 843,096 $ 833,333
Total $ 6,501,779 $ 36,501,779 $ 30,000,000
SISTEMA DE AMORTIZACIÓN CON CUOTA FIJA - CF
PRÉSTAMO: $ 30,000,000
INTERÉS: 15% A
ie = 1.17% m
PERIODO: 36 meses
CUOTA: $ 1,026,173
S = S(n-1) - A I = S(n-1)*TASA C = Anualidad A=C-I

PERÍODO SALDO INTERÉS CUOTA AMORTIZACIÓN

0 $ 30,000,000 0 0 0
1 $ 29,325,275 $ 351,448 $ 1,026,173 $ 674,725
2 $ 28,642,645 $ 343,543 $ 1,026,173 $ 682,630
3 $ 27,952,019 $ 335,546 $ 1,026,173 $ 690,627
4 $ 27,253,301 $ 327,456 $ 1,026,173 $ 698,717
5 $ 26,546,399 $ 319,270 $ 1,026,173 $ 706,903
6 $ 25,831,215 $ 310,989 $ 1,026,173 $ 715,184
7 $ 25,107,653 $ 302,611 $ 1,026,173 $ 723,562
8 $ 24,375,614 $ 294,134 $ 1,026,173 $ 732,039
9 $ 23,635,000 $ 285,558 $ 1,026,173 $ 740,614
10 $ 22,885,709 $ 276,882 $ 1,026,173 $ 749,291
11 $ 22,127,640 $ 268,104 $ 1,026,173 $ 758,069
12 $ 21,360,691 $ 259,223 $ 1,026,173 $ 766,949
13 $ 20,584,757 $ 250,239 $ 1,026,173 $ 775,934
14 $ 19,799,733 $ 241,149 $ 1,026,173 $ 785,024
15 $ 19,005,513 $ 231,952 $ 1,026,173 $ 794,221
16 $ 18,201,988 $ 222,648 $ 1,026,173 $ 803,525
17 $ 17,389,050 $ 213,235 $ 1,026,173 $ 812,938
18 $ 16,566,588 $ 203,711 $ 1,026,173 $ 822,461
19 $ 15,734,492 $ 194,076 $ 1,026,173 $ 832,097
20 $ 14,892,647 $ 184,328 $ 1,026,173 $ 841,844
21 $ 14,040,941 $ 174,466 $ 1,026,173 $ 851,707
22 $ 13,179,256 $ 164,488 $ 1,026,173 $ 861,684
23 $ 12,307,478 $ 154,394 $ 1,026,173 $ 871,779
24 $ 11,425,486 $ 144,181 $ 1,026,173 $ 881,992
25 $ 10,533,162 $ 133,849 $ 1,026,173 $ 892,324
26 $ 9,630,384 $ 123,395 $ 1,026,173 $ 902,778
27 $ 8,717,031 $ 112,819 $ 1,026,173 $ 913,354
28 $ 7,792,977 $ 102,119 $ 1,026,173 $ 924,053
29 $ 6,858,098 $ 91,294 $ 1,026,173 $ 934,879
30 $ 5,912,268 $ 80,342 $ 1,026,173 $ 945,831
31 $ 4,955,357 $ 69,262 $ 1,026,173 $ 956,911
32 $ 3,987,236 $ 58,052 $ 1,026,173 $ 968,121
33 $ 3,007,773 $ 46,710 $ 1,026,173 $ 979,463
34 $ 2,016,836 $ 35,236 $ 1,026,173 $ 990,937
 35 $ 1,014,290 $ 23,627 $ 1,026,173 $ 1,002,546
36 $0 $ 11,882 $ 1,026,173 $ 1,014,290
Total $ 6,942,219 $ 36,942,219 $ 30,000,000
$ 6,501,779 $ 36,501,779
$ 440,440 -$ 29,559,560
SISTEMA DE AMORTIZACIÓN CON CUOTA FIJA Y PERIODO DE GRACIA MUERTO - CF y PG M

PRÉSTAMO: $ 30,000,000
INTERÉS: 15% A
ie = 1.17% m
PERIODO: 36 meses
CUOTA: $ 1,278,044
PG M: 6 meses
S = S(n-1) - A I = S(n-1)*TASA C = Anualidad A=C-I
CUOTA: $ 1,278,044

PERÍODO SALDO INTERÉS CUOTA AMORTIZACIÓN

0 $ 30,000,000 0 0 0
1 $ 30,351,448 $ 351,448 $0 -$ 351,448
2 $ 30,707,012 $ 355,565 $0 -$ 355,565
3 $ 31,066,742 $ 359,730 $0 -$ 359,730
4 $ 31,430,687 $ 363,944 $0 -$ 363,944
5 $ 31,798,894 $ 368,208 $0 -$ 368,208
6 $ 32,171,416 $ 372,521 $0 -$ 372,521
7 $ 31,270,257 $ 376,885 $ 1,278,044 $ 901,159
8 $ 30,358,542 $ 366,328 $ 1,278,044 $ 911,716
9 $ 29,436,146 $ 355,648 $ 1,278,044 $ 922,396
10 $ 28,502,943 $ 344,842 $ 1,278,044 $ 933,202
11 $ 27,558,809 $ 333,910 $ 1,278,044 $ 944,134
12 $ 26,603,614 $ 322,849 $ 1,278,044 $ 955,195
13 $ 25,637,229 $ 311,659 $ 1,278,044 $ 966,385
14 $ 24,659,523 $ 300,338 $ 1,278,044 $ 977,706
15 $ 23,670,364 $ 288,884 $ 1,278,044 $ 989,160
16 $ 22,669,616 $ 277,296 $ 1,278,044 $ 1,000,748
17 $ 21,657,144 $ 265,573 $ 1,278,044 $ 1,012,471
18 $ 20,632,812 $ 253,712 $ 1,278,044 $ 1,024,332
19 $ 19,596,480 $ 241,712 $ 1,278,044 $ 1,036,332
20 $ 18,548,007 $ 229,571 $ 1,278,044 $ 1,048,473
21 $ 17,487,251 $ 217,288 $ 1,278,044 $ 1,060,756
22 $ 16,414,069 $ 204,862 $ 1,278,044 $ 1,073,182
23 $ 15,328,314 $ 192,289 $ 1,278,044 $ 1,085,755
24 $ 14,229,840 $ 179,570 $ 1,278,044 $ 1,098,474
25 $ 13,118,498 $ 166,701 $ 1,278,044 $ 1,111,343
26 $ 11,994,136 $ 153,682 $ 1,278,044 $ 1,124,362
27 $ 10,856,602 $ 140,510 $ 1,278,044 $ 1,137,534
28 $ 9,705,742 $ 127,184 $ 1,278,044 $ 1,150,860
29 $ 8,541,400 $ 113,702 $ 1,278,044 $ 1,164,342
30 $ 7,363,418 $ 100,062 $ 1,278,044 $ 1,177,982
 31 $ 6,171,636 $ 86,262 $ 1,278,044 $ 1,191,782
32 $ 4,965,892 $ 72,300 $ 1,278,044 $ 1,205,744
33 $ 3,746,023 $ 58,175 $ 1,278,044 $ 1,219,869
34 $ 2,511,863 $ 43,884 $ 1,278,044 $ 1,234,160
35 $ 1,263,245 $ 29,426 $ 1,278,044 $ 1,248,618
36 $0 $ 14,799 $ 1,278,044 $ 1,263,245
Total $ 8,341,321 $ 38,341,321 $ 30,000,000
ACC $ 6,501,779 $ 36,501,779
CF $ 6,942,219 $ 36,942,219
SISTEMA DE AMORTIZACIÓN CON CUOTA FIJA Y PERIODO DE GRACIA CON CUOTA REDUCIDA - CF y PG CR

PRÉSTAMO: $ 30,000,000
INTERÉS: 15% A
ie = 1.17% m
PERIODO: 36 meses
CUOTA: $ 1,191,782
PG M: 6 meses
S = S(n-1) - A I = S(n-1)*TASA C = Anualidad A=C-I
CUOTA: $ 1,191,782 0 1 2 3

INTERESES
PERÍODO SALDO INTERÉS CUOTA AMORTIZACIÓN
0 $ 30,000,000 0 0 0
1 $ 30,000,000 $ 351,448 $ 351,448 $0
2 $ 30,000,000 $ 351,448 $ 351,448 $0
3 $ 30,000,000 $ 351,448 $ 351,448 $0
4 $ 30,000,000 $ 351,448 $ 351,448 $0
5 $ 30,000,000 $ 351,448 $ 351,448 $0
6 $ 30,000,000 $ 351,448 $ 351,448 $0
7 $ 29,159,665 $ 351,448 $ 1,191,782 $ 840,335
8 $ 28,309,486 $ 341,603 $ 1,191,782 $ 850,179
9 $ 27,449,347 $ 331,643 $ 1,191,782 $ 860,139
10 $ 26,579,132 $ 321,567 $ 1,191,782 $ 870,215
11 $ 25,698,722 $ 311,372 $ 1,191,782 $ 880,410
12 $ 24,807,998 $ 301,058 $ 1,191,782 $ 890,724
13 $ 23,906,840 $ 290,624 $ 1,191,782 $ 901,159
14 $ 22,995,124 $ 280,067 $ 1,191,782 $ 911,716
15 $ 22,072,728 $ 269,386 $ 1,191,782 $ 922,396
16 $ 21,139,526 $ 258,580 $ 1,191,782 $ 933,202
17 $ 20,195,391 $ 247,648 $ 1,191,782 $ 944,134
18 $ 19,240,196 $ 236,587 $ 1,191,782 $ 955,195
19 $ 18,273,812 $ 225,397 $ 1,191,782 $ 966,385
20 $ 17,296,106 $ 214,076 $ 1,191,782 $ 977,706
21 $ 16,306,946 $ 202,622 $ 1,191,782 $ 989,160
22 $ 15,306,198 $ 191,035 $ 1,191,782 $ 1,000,748
23 $ 14,293,727 $ 179,311 $ 1,191,782 $ 1,012,471
24 $ 13,269,394 $ 167,450 $ 1,191,782 $ 1,024,332
25 $ 12,233,062 $ 155,450 $ 1,191,782 $ 1,036,332
26 $ 11,184,589 $ 143,309 $ 1,191,782 $ 1,048,473
27 $ 10,123,833 $ 131,027 $ 1,191,782 $ 1,060,756
28 $ 9,050,651 $ 118,600 $ 1,191,782 $ 1,073,182
29 $ 7,964,897 $ 106,028 $ 1,191,782 $ 1,085,755
30 $ 6,866,422 $ 93,308 $ 1,191,782 $ 1,098,474
 31 $ 5,755,080 $ 80,440 $ 1,191,782 $ 1,111,343
32 $ 4,630,718 $ 67,420 $ 1,191,782 $ 1,124,362
33 $ 3,493,184 $ 54,248 $ 1,191,782 $ 1,137,534
34 $ 2,342,324 $ 40,922 $ 1,191,782 $ 1,150,860
35 $ 1,177,982 $ 27,440 $ 1,191,782 $ 1,164,342
36 $0 $ 13,800 $ 1,191,782 $ 1,177,982
Total $ 7,862,151 $ 37,862,151 $ 30,000,000
ACC $ 6,501,779 $ 36,501,779
CF $ 6,942,219 $ 36,942,219
CF y PG M $ 8,341,321 $ 38,341,321
 4 5 6 7 8 9 10 11 12 36

INTERESES

A
SISTEMA DE AMORTIZACIÓN CON CUOTA FIJA Y ABONO EXTRA PACTADO - CF y AEP

PRÉSTAMO: $ 30,000,000 ANUALIDAD SEM $ 4,731,711.28

INTERÉS: 15% A VA $ 25,268,288.72
ie = 1.17% m CUOTA = $ 864,320.97
ie = 7.24% s
PERIODO: 36 meses
CUOTA: $ 864,320.97 $ 1,026,173 $ 161,851.77 $ 971,111
AEP: $ 1,000,000 Cada 6 meses

PERIODO: 6 semestres AEP

S = S(n-1) - A I = S(n-1)*TASA C = Anualidad A=C-I $ 30,000,000
CUOTA: 0 1 2

PERÍODO SALDO INTERÉS CUOTA AMORTIZACIÓN

0 $ 30,000,000 0 0 0
1 $ 29,487,127 $ 351,448 $ 864,321 $ 512,873
2 $ 28,968,245 $ 345,439 $ 864,321 $ 518,882
3 $ 28,443,284 $ 339,361 $ 864,321 $ 524,960
4 $ 27,912,174 $ 333,211 $ 864,321 $ 531,110
5 $ 27,374,842 $ 326,989 $ 864,321 $ 537,332
6 $ 25,831,215 $ 320,694 $ 1,864,321 $ 1,543,627
7 $ 25,269,505 $ 302,611 $ 864,321 $ 561,710
8 $ 24,701,214 $ 296,030 $ 864,321 $ 568,291
9 $ 24,126,265 $ 289,373 $ 864,321 $ 574,948
10 $ 23,544,582 $ 282,637 $ 864,321 $ 581,684
11 $ 22,956,084 $ 275,823 $ 864,321 $ 588,498
12 $ 21,360,691 $ 268,929 $ 1,864,321 $ 1,595,392
13 $ 20,746,609 $ 250,239 $ 864,321 $ 614,082
14 $ 20,125,333 $ 243,045 $ 864,321 $ 621,276
15 $ 19,496,778 $ 235,767 $ 864,321 $ 628,554
16 $ 18,860,861 $ 228,403 $ 864,321 $ 635,918
17 $ 18,217,493 $ 220,953 $ 864,321 $ 643,368
18 $ 16,566,588 $ 213,416 $ 1,864,321 $ 1,650,905
19 $ 15,896,344 $ 194,076 $ 864,321 $ 670,245
20 $ 15,218,247 $ 186,224 $ 864,321 $ 678,097
21 $ 14,532,207 $ 178,280 $ 864,321 $ 686,040
22 $ 13,838,129 $ 170,244 $ 864,321 $ 694,077
23 $ 13,135,921 $ 162,113 $ 864,321 $ 702,208
24 $ 11,425,486 $ 153,886 $ 1,864,321 $ 1,710,435
25 $ 10,695,014 $ 133,849 $ 864,321 $ 730,472
26 $ 9,955,984 $ 125,291 $ 864,321 $ 739,030
27 $ 9,208,296 $ 116,634 $ 864,321 $ 747,687
 28 $ 8,451,850 $ 107,874 $ 864,321 $ 756,447
29 $ 7,686,542 $ 99,013 $ 864,321 $ 765,308
30 $ 5,912,268 $ 90,047 $ 1,864,321 $ 1,774,274
31 $ 5,117,209 $ 69,262 $ 864,321 $ 795,059
32 $ 4,312,835 $ 59,948 $ 864,321 $ 804,373
33 $ 3,499,039 $ 50,525 $ 864,321 $ 813,796
34 $ 2,675,709 $ 40,991 $ 864,321 $ 823,330
35 $ 1,842,734 $ 31,346 $ 864,321 $ 832,975
36 $0 $ 21,587 $ 1,864,321 $ 1,842,734
Total $ 7,115,555 $ 37,115,555 $ 30,000,000
ACC $ 6,501,779 $ 36,501,779
CF $ 6,942,219 $ 36,942,219
CF y PG M $ 8,341,321 $ 38,341,321
CF y PG CR $ 7,862,151 $ 37,862,151
3 4 5 6 7 8 9 10 11 12 36

AEP = $ 1,000,000