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Cálculo de créditos microfinancieros y políticas organizacionales.

2.1
a) Requisito, mostrar el cetrificado de tradición y libertad de
la casa propia.
Fotocopia de la cédula de ciudadanía.
Una referencia comercial, y una familiar.
Servicios públicos al día.
Adicionalmente el extracto bancario del último año y visita al local

* Se cobra el 7.5%
Monto $2,600,000.00
%comisión 7.50%
* cobro comisión $195,000.00

E.A. 49.36%
* Mensual 3.40%
Monto prestado $2,600,000.00

Comisión $195,000.00
* cobro datacredi $9,200.00
Cobro Iva d $1,748.00
$205,948.00

* Desembolso $2,394,052.00

Cuota: $267,477.23

VALOR AB CAPITAL

$2,600,000.00 $179,077.20
$2,420,922.80 $185,165.83
$2,235,756.97 $191,461.47
$2,044,295.51 $197,971.16
$1,846,324.35 $204,702.18
$1,641,622.17 $211,662.06
$1,429,960.12 $218,858.57
$1,211,101.55 $226,299.76
$984,801.79 $233,993.96
$750,807.83 $241,949.75
$508,858.08 $250,176.05
$258,682.03 $258,682.03

$500,000.00
$ 267 477
$0.00
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1 2 3 4 5 6 7 8 9 10 11
-$500,000.00

-$1,000,000.00
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$500,000.00
$ 267 477
$0.00
1 2 3 4 5 6 7 8 9 10 11
-$500,000.00

-$1,000,000.00

-$1,500,000.00

-$2,000,000.00

-$2,500,000.00
$ 2 600 000
-$3,000,000.00

b) Requisito, mostrar el cetrificado de tradición y libertad de

la casa propia del codeudor y documento con el codeudor
Fotocopia de la cédula de ciudadanía suya y del codeudor.
Una referencia comercial, y una familiar suya y del codeudor.
Servicios públicos al día.

* Se cobra el 4.5%
Monto $4,900,000.00
%comisión 4.50%
* cobro comisión $220,500.00

E.A. 49.36%
* Mensual 3.40%
Monto prestado $4,900,000.00

* cobro datacredi $9,200.00

Cobro Iva d $1,748.00
$231,448.00
* Monto prestado $4,668,552.00

Cuota: $1,330,865.18

VALOR AB CAPITAL

$4,900,000.00 $1,164,265.13
$3,735,734.87 $1,203,850.16
$2,531,884.72 $1,244,781.07
$1,287,103.64 $1,287,103.64

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$2,000,000.00
$ 1 330 865

$1,000,000.00

$0.00
1 2 3 4
-$1,000,000.00

-$2,000,000.00

-$3,000,000.00

-$4,000,000.00
$ 4 900 000
-$5,000,000.00
c)
* La cuota mensual sin incluir seguro ni comision es de $ 1 330 550
* Comisión e iva $87,465.00 $104,615.00
$26,153.75
* Cobro mensual de seguro y comisión $1,356,700.81
* fila cobro total
Monto $4,900,000.00 $1,356,700.81
* Interés TOTAL $422,188.25 $422,195.00
%comisión 1.50%
* VTUA pesos $5,437,751.25 $5,437,758.00
cobro comisión $73,500.00
IVA comisión $13,965.00
Seguro $17,150.00
* VTUM % 4.21%
* VTUA % 64.09% 65.90%
E.A. 49.19%
Mensual 3.39%
Monto prestado $4,900,000.00

cobro datacredi $9,200.00

Cobro Iva d $1,748.00
$10,948.00
Monto prestado $4,889,052.00

Cuota: -$1,330,547.06

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VALOR AB CAPITAL

$4,900,000.00 -$1,164,439.70
$3,735,560.30 -$1,203,913.58
$2,531,646.73 -$1,244,725.60
$1,286,921.13 -$1,286,921.13

* Diagrama $5,000,000.00
$ 4 900 000

$4,000,000.00

$3,000,000.00

$2,000,000.00

$1,000,000.00

$0.00
1 2 3 4
-$1,000,000.00
$ 1 330 700
-$2,000,000.00

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izacionales.

año y visita al local

P INTERES CUOTA VF
-$2,600,000.00

$88,400.03 $267,477.23 $2,420,922.80

$82,311.40 $267,477.23 $2,235,756.97
$76,015.76 $267,477.23 $2,044,295.51
$69,506.07 $267,477.23 $1,846,324.35
$62,775.05 $267,477.23 $1,641,622.17
$55,815.17 $267,477.23 $1,429,960.12
$48,618.66 $267,477.23 $1,211,101.55
$41,177.47 $267,477.23 $984,801.79
$33,483.27 $267,477.23 $750,807.83
$25,527.47 $267,477.23 $508,858.08
$17,301.18 $267,477.23 $258,682.03
$8,795.19 $267,477.23 $0.00

$ 267 477 $267 477

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$ 267 477 $267 477

3 4 5 6 7 8 9 10 11 12 13

del codeudor.

P INTERES CUOTA VF
-$4,900,000.00
$166,600.05 $1,330,865.18 $3,735,734.87
$127,015.02 $1,330,865.18 $2,531,884.72
$86,084.11 $1,330,865.18 $1,287,103.64
$43,761.54 $1,330,865.18 $0.00

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$ 1 330 865 $ 1 330 865

2 3 4 5

4 900 000

es de $ 1 330 550

cobro mensual de comisión e iva

Según Banco W

Según Banco W

Según Banco W

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*
P INTERES Cuota. VF Cuo. + Seg + Com
$4,900,000.00
-$166,107.37 -$1,330,547.06 $3,735,560.30 -$1,356,700.81
-$126,633.49 -$1,330,547.06 $2,531,646.73 -$1,356,700.81
-$85,821.46 -$1,330,547.06 $1,286,921.13 -$1,356,700.81
-$43,625.93 -$1,330,547.06 $0.00 -$1,356,700.81

4 900 000

2 3 4 5

$ 1 330 700 $ 1 330 700

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