CAPITAL REQUERIDO POR

LA EMPRESA $ 269,700,000
VALOR IMPREVISTO $ 26,970,000
VALOR ADICIONAL $ 62,930,000
VALOR IMPREVISTO AD $ 6,293,000

ANUAL
valor prestamo $ 69,223,000
tasa de interes 3.00% 12.00%
plazo de pagos 12 3
valor cuota -$ 6,954,286.94

TABLA DE AMORTIZACION DE LA DEUDA CON ANULIDADES

N. Cuotas valor cuota interes abono saldo deuda
0 $ 69,223,000
1 $ 6,954,287 $ 2,076,690 $ 4,877,597 $ 64,345,403
2 $ 6,954,287 $ 1,930,362 $ 5,023,925 $ 59,321,478
3 $ 6,954,287 $ 1,779,644 $ 5,174,643 $ 54,146,836
4 $ 6,954,287 $ 1,624,405 $ 5,329,882 $ 48,816,954
5 $ 6,954,287 $ 1,464,509 $ 5,489,778 $ 43,327,175
6 $ 6,954,287 $ 1,299,815 $ 5,654,472 $ 37,672,704
7 $ 6,954,287 $ 1,130,181 $ 5,824,106 $ 31,848,598
8 $ 6,954,287 $ 955,458 $ 5,998,829 $ 25,849,769
9 $ 6,954,287 $ 775,493 $ 6,178,794 $ 19,670,975
10 $ 6,954,287 $ 590,129 $ 6,364,158 $ 13,306,817
11 $ 6,954,287 $ 399,205 $ 6,555,082 $ 6,751,735
12 $ 6,954,287 $ 202,552 $ 6,751,735 $0

VALOR FUTURO $ 98,695,445.87

periodo TASA AÑO TASA MES saldo X tasa (1+i)-n

0
1 8.00% 2.00% $ 1,384,460.00 0.79
2 8.75% 2.19% $ 1,401,351.02 0.79
3 9.50% 2.38% $ 1,397,625.78 0.79
4 10.25% 2.56% $ 1,372,591.67 0.80
5 11.00% 2.75% $ 1,325,425.03 0.80
6 11.75% 2.94% $ 1,255,161.73 0.82
7 12.50% 3.13% $ 1,160,686.11 0.83
8 13.25% 3.31% $ 1,040,717.84 0.85
9 14.00% 3.50% $ 893,796.57 0.87
10 14.75% 3.69% $ 718,264.23 0.90
11 15.50% 3.88% $ 512,244.42 0.93
12 16.25% 4.06% $ 273,618.82 0.96

VALOR FUTURO $ 99,031,920 CONCLUSION: Despues de hacer el analisis entre los dos
primera opcion,de la tasa fija e intereses del 12% anua
336.475 pesos .
DIFERENCIA VALOR FUTURO $ 336,475
 fecha pago
4/30/2021
7/30/2021
10/30/2021
1/30/2022
4/30/2022
7/30/2022
10/30/2022
1/30/2023
4/30/2023
7/30/2023
10/30/2023
1/30/2024
4/30/2024

(1-(1+i)-n) VALOR CUOTA INTERESES ABONO CAPITAL SALDO DEUDA FECHA PAGO
$ 69,223,000 4/30/2021
0.21 $ 6,545,698.96 $ 1,384,460.00 $ 5,161,239 $ 64,061,761 7/30/2021
0.21 $ 6,615,710.88 $ 1,401,351.02 $ 5,214,360 $ 58,847,401 10/30/2021
0.21 $ 6,680,473.82 $ 1,397,625.78 $ 5,282,848 $ 53,564,553 1/30/2022
0.20 $ 6,739,871.07 $ 1,372,591.67 $ 5,367,279 $ 48,197,274 4/30/2022
0.20 $ 6,793,788.80 $ 1,325,425.03 $ 5,468,364 $ 42,728,910 7/30/2022
0.18 $ 6,842,116.05 $ 1,255,161.73 $ 5,586,954 $ 37,141,956 10/30/2022
0.17 $ 6,884,744.77 $ 1,160,686.11 $ 5,724,059 $ 31,417,897 1/30/2023
0.15 $ 6,921,569.91 $ 1,040,717.84 $ 5,880,852 $ 25,537,045 4/30/2023
0.13 $ 6,952,489.58 $ 893,796.57 $ 6,058,693 $ 19,478,352 7/30/2023
0.10 $ 6,977,405.38 $ 718,264.23 $ 6,259,141 $ 13,219,211 10/30/2023
0.07 $ 6,996,222.72 $ 512,244.42 $ 6,483,978 $ 6,735,232 1/30/2024
0.04 $ 7,008,851.28 $ 273,618.82 $ 6,735,232 $0 4/30/2024

s de hacer el analisis entre los dos valor futuro es recomentable la

asa fija e intereses del 12% anual ya que tiene un ahorro de