PARÁMETROS:

CRÉDITO 1
MONTO COP 500,000,000
PLAZO (años) 4
MODALIDAD 1
TASA BASE: IBR EA 0.01725
SPREAD EA 0.05
Tasa total EA 0.068113
AÑO ABONO A INTERÉS ABONO A CAPITAL SALDO DE CAPITAL CUOTA TOTAL

0 500,000,000
1 34,056,250.00 125,000,000.00 375,000,000.00 159,056,250.00
2 25,542,187.50 125,000,000.00 250,000,000.00 150,542,187.50
3 17,028,125.00 125,000,000.00 125,000,000.00 142,028,125.00
4 8,514,062.50 125,000,000.00 0.00 133,514,062.50
PARÁMETROS: Trimestre DTF ajustado Spread
CRÉDITO 2 1 0.019334 0.0175
MONTO COP 375,000,000 2 0.019572 0.0175
AÑO 1
PLAZO (años) 3 3 0.019812 0.0175
MODALIDAD 4 4 0.020055 0.0175
TASA BASE: DTF EA 0.0191 5 0.020301 0.0175
SPREAD EA 0.0175 6 0.020550 0.0175
AÑO 2
Tasa total EA 0.036934 7 0.020802 0.0175
∆% anual DTF 0.05 8 0.021058 0.0175
Factor de ajuste DTF 1.012272 9 0.021316 0.0175
Días (frecuencia de pago) 90 10 0.021578 0.0175
AÑO 3
Base días 360 11 0.021843 0.0175
12 0.022111 0.0175
Tasa total ajustada EA

0.037173
0.037414
0.037659
0.037906
0.038156
0.038410
0.038667
0.038926
0.039189
0.039455
0.039725
0.039998
TRIM ABONO A INTERÉS ABONO A CAPITAL SALDO DE CAPITAL CUOTA TOTAL

0 375,000,000
1 3,437,393.30 31,250,000.00 343,750,000.00 34,687,393.30
2 3,171,129.62 31,250,000.00 312,500,000.00 34,421,129.62
3 2,901,417.75 31,250,000.00 281,250,000.00 34,151,417.75
4 2,628,193.48 31,250,000.00 250,000,000.00 33,878,193.48
5 2,351,391.57 31,250,000.00 218,750,000.00 33,601,391.57
6 2,070,945.74 31,250,000.00 187,500,000.00 33,320,945.74
7 1,786,788.65 31,250,000.00 156,250,000.00 33,036,788.65
8 1,498,851.86 31,250,000.00 125,000,000.00 32,748,851.86
9 1,207,065.85 31,250,000.00 93,750,000.00 32,457,065.85
10 911,359.99 31,250,000.00 62,500,000.00 32,161,359.99
11 611,662.52 31,250,000.00 31,250,000.00 31,861,662.52
12 307,900.55 31,250,000.00 0.00 31,557,900.55
COSTO FINANCIERO CRÉDITO 1
AÑO 0 1 2 3
COP 500,000,000 -159,056,250.00 -150,542,187.50 -142,028,125.00

COSTO FINANCIERO CRÉDITO 2

TRIM 0 1 2 3
COP 375,000,000 -34,687,393.30 -34,421,129.62 -34,151,417.75
 4 TIR EA
-133,514,062.50 6.8113%

4 5 6 7 8
-33,878,193.48 -33,601,391.57 -33,320,945.74 -33,036,788.65 -32,748,851.86
 9 10 11 12 TIR per TIR Nom
-32,457,065.85 -32,161,359.99 -31,861,662.52 -31,557,900.55 0.9383% 3.7534%
TIR EA
3.8065%