Cotransportes S.A adquiere un vehículo por $50.000.

000 a través de un crédito con un banco que le ofrece las siguientes co

anual. Contruir la tabla de amortización del crédito

Capital $50,000,000.00
Tasa 17.13% anual
Periodo 9 años

Años Capital Intereses Abono Capital Cuota

0 $50,000,000.00
1 $47,280,665.26 $8,565,000.00 $2,719,334.74 $11,284,334.74
2 $44,095,508.48 $8,099,177.96 $3,185,156.78 $11,284,334.74
3 $40,364,734.34 $7,553,560.60 $3,730,774.14 $11,284,334.74
4 $35,994,878.59 $6,914,478.99 $4,369,855.75 $11,284,334.74
5 $30,876,466.55 $6,165,922.70 $5,118,412.04 $11,284,334.74
6 $24,881,270.53 $5,289,138.72 $5,995,196.02 $11,284,334.74
7 $17,859,097.43 $4,262,161.64 $7,022,173.10 $11,284,334.74
8 $9,634,026.07 $3,059,263.39 $8,225,071.35 $11,284,334.74
9 $0.00 $1,650,308.67 $9,634,026.07 $11,284,334.74

Supongamos ahora que Cotransportes S.A decide hacer un pago adicional de $11.000.000 en el año 3. ¿cuál sería el efecto de
crédito?

Opción 1: Reducir cuota

Años Capital Intereses Abono Capital Cuota Cuota Extra
0 $50,000,000.00
1 $47,280,665.26 $8,565,000.00 $2,719,334.74 $11,284,334.74
2 $44,095,508.48 $8,099,177.96 $3,185,156.78 $11,284,334.74
3 $29,364,734.34 $7,553,560.60 $14,730,774.14 $22,284,334.74 $11,000,000.00
4 $26,185,730.31 $5,030,178.99 $3,179,004.03 $8,209,183.02
5 $22,462,162.88 $4,485,615.60 $3,723,567.42 $8,209,183.02
6 $18,100,748.36 $3,847,768.50 $4,361,414.52 $8,209,183.02
7 $12,992,223.53 $3,100,658.19 $5,108,524.83 $8,209,183.02
8 $7,008,608.40 $2,225,567.89 $5,983,615.13 $8,209,183.02
9 $0.00 $1,200,574.62 $7,008,608.40 $8,209,183.02
que le ofrece las siguientes condiciones: pago de 9 cuotas fijas anuales y un interés del 17,13%
e amortización del crédito
año 3. ¿cuál sería el efecto de en la tabla de
Años Capital
0 $50,000,000.00
1 $47,280,665.26
2 $44,095,508.48
3 $29,364,734.34
4 $23,110,578.59
5 $15,785,085.96
6 $7,204,736.44
7 $0.00
Opción 1: Reducir periodos
Intereses Abono Capital Cuota
$8,565,000.00 $2,719,334.74 $11,284,334.74
$8,099,177.96 $3,185,156.78 $11,284,334.74
$7,553,560.60 $14,730,774.14 $22,284,334.74
$5,030,178.99 $6,254,155.75 $11,284,334.74
$3,958,842.11 $7,325,492.63 $11,284,334.74
$2,703,985.22 $8,580,349.52 $11,284,334.74
$1,234,171.35 $7,204,736.44 $8,438,907.79
 Cuota Extra

$11,000,000.00