Sultanito toma un crédito de vivienda por un valor de $450.000.

000, el cual lo va a pagar en 120 cuotas

mensuales iguales en UVR y una tasa de interés del 1% EMV. El día del crédito la UVR se ubica en 147,9517
y se espera que la inflación durante el periodo del crédito sea del 0,5% EMV. Construya el esquema de
amortización y muestre el valor a pagar en pesos en cada periodo

P $ 450,000,000.00 En pesos
UVR 147.9517 UVR 1 UVR
P $ 3,041,533.15 En UVR X UVR

VALORES EN UVR
Periodos Saldo inicial Cuota Intereses Amortización
0 $ 3,041,533.15 0 0 0
1 $ 3,041,533.15 $ 43,637.16 $ 30,415.33 $ 13,221.83
2 $ 3,028,311.32 $ 43,637.16 $ 30,283.11 $ 13,354.05
3 $ 3,014,957.26 $ 43,637.16 $ 30,149.57 $ 13,487.59
4 $ 3,001,469.67 $ 43,637.16 $ 30,014.70 $ 13,622.47
5 $ 2,987,847.20 $ 43,637.16 $ 29,878.47 $ 13,758.69
6 $ 2,974,088.51 $ 43,637.16 $ 29,740.89 $ 13,896.28
7 $ 2,960,192.23 $ 43,637.16 $ 29,601.92 $ 14,035.24
8 $ 2,946,156.99 $ 43,637.16 $ 29,461.57 $ 14,175.59
9 $ 2,931,981.40 $ 43,637.16 $ 29,319.81 $ 14,317.35
10 $ 2,917,664.05 $ 43,637.16 $ 29,176.64 $ 14,460.52
11 $ 2,903,203.52 $ 43,637.16 $ 29,032.04 $ 14,605.13
12 $ 2,888,598.39 $ 43,637.16 $ 28,885.98 $ 14,751.18
13 $ 2,873,847.21 $ 43,637.16 $ 28,738.47 $ 14,898.69
14 $ 2,858,948.52 $ 43,637.16 $ 28,589.49 $ 15,047.68
15 $ 2,843,900.84 $ 43,637.16 $ 28,439.01 $ 15,198.16
16 $ 2,828,702.68 $ 43,637.16 $ 28,287.03 $ 15,350.14
17 $ 2,813,352.55 $ 43,637.16 $ 28,133.53 $ 15,503.64
18 $ 2,797,848.91 $ 43,637.16 $ 27,978.49 $ 15,658.68
19 $ 2,782,190.23 $ 43,637.16 $ 27,821.90 $ 15,815.26
20 $ 2,766,374.97 $ 43,637.16 $ 27,663.75 $ 15,973.41
21 $ 2,750,401.55 $ 43,637.16 $ 27,504.02 $ 16,133.15
22 $ 2,734,268.41 $ 43,637.16 $ 27,342.68 $ 16,294.48
23 $ 2,717,973.92 $ 43,637.16 $ 27,179.74 $ 16,457.43
24 $ 2,701,516.50 $ 43,637.16 $ 27,015.16 $ 16,622.00
25 $ 2,684,894.50 $ 43,637.16 $ 26,848.94 $ 16,788.22
26 $ 2,668,106.28 $ 43,637.16 $ 26,681.06 $ 16,956.10
27 $ 2,651,150.18 $ 43,637.16 $ 26,511.50 $ 17,125.66
28 $ 2,634,024.52 $ 43,637.16 $ 26,340.25 $ 17,296.92
29 $ 2,616,727.60 $ 43,637.16 $ 26,167.28 $ 17,469.89
30 $ 2,599,257.71 $ 43,637.16 $ 25,992.58 $ 17,644.59
31 $ 2,581,613.12 $ 43,637.16 $ 25,816.13 $ 17,821.03
32 $ 2,563,792.09 $ 43,637.16 $ 25,637.92 $ 17,999.24
33 $ 2,545,792.84 $ 43,637.16 $ 25,457.93 $ 18,179.24
34 $ 2,527,613.61 $ 43,637.16 $ 25,276.14 $ 18,361.03
35 $ 2,509,252.58 $ 43,637.16 $ 25,092.53 $ 18,544.64
36 $ 2,490,707.94 $ 43,637.16 $ 24,907.08 $ 18,730.09
37 $ 2,471,977.85 $ 43,637.16 $ 24,719.78 $ 18,917.39
38 $ 2,453,060.47 $ 43,637.16 $ 24,530.60 $ 19,106.56
39 $ 2,433,953.91 $ 43,637.16 $ 24,339.54 $ 19,297.63
40 $ 2,414,656.28 $ 43,637.16 $ 24,146.56 $ 19,490.60
41 $ 2,395,165.68 $ 43,637.16 $ 23,951.66 $ 19,685.51
42 $ 2,375,480.17 $ 43,637.16 $ 23,754.80 $ 19,882.36
43 $ 2,355,597.81 $ 43,637.16 $ 23,555.98 $ 20,081.19
44 $ 2,335,516.62 $ 43,637.16 $ 23,355.17 $ 20,282.00
45 $ 2,315,234.63 $ 43,637.16 $ 23,152.35 $ 20,484.82
46 $ 2,294,749.81 $ 43,637.16 $ 22,947.50 $ 20,689.67
47 $ 2,274,060.14 $ 43,637.16 $ 22,740.60 $ 20,896.56
48 $ 2,253,163.58 $ 43,637.16 $ 22,531.64 $ 21,105.53
49 $ 2,232,058.05 $ 43,637.16 $ 22,320.58 $ 21,316.58
50 $ 2,210,741.47 $ 43,637.16 $ 22,107.41 $ 21,529.75
51 $ 2,189,211.72 $ 43,637.16 $ 21,892.12 $ 21,745.05
52 $ 2,167,466.67 $ 43,637.16 $ 21,674.67 $ 21,962.50
53 $ 2,145,504.17 $ 43,637.16 $ 21,455.04 $ 22,182.12
54 $ 2,123,322.05 $ 43,637.16 $ 21,233.22 $ 22,403.94
55 $ 2,100,918.10 $ 43,637.16 $ 21,009.18 $ 22,627.98
56 $ 2,078,290.12 $ 43,637.16 $ 20,782.90 $ 22,854.26
57 $ 2,055,435.86 $ 43,637.16 $ 20,554.36 $ 23,082.81
58 $ 2,032,353.05 $ 43,637.16 $ 20,323.53 $ 23,313.63
59 $ 2,009,039.42 $ 43,637.16 $ 20,090.39 $ 23,546.77
60 $ 1,985,492.65 $ 43,637.16 $ 19,854.93 $ 23,782.24
61 $ 1,961,710.41 $ 43,637.16 $ 19,617.10 $ 24,020.06
62 $ 1,937,690.35 $ 43,637.16 $ 19,376.90 $ 24,260.26
63 $ 1,913,430.09 $ 43,637.16 $ 19,134.30 $ 24,502.86
64 $ 1,888,927.22 $ 43,637.16 $ 18,889.27 $ 24,747.89
65 $ 1,864,179.33 $ 43,637.16 $ 18,641.79 $ 24,995.37
66 $ 1,839,183.96 $ 43,637.16 $ 18,391.84 $ 25,245.32
67 $ 1,813,938.63 $ 43,637.16 $ 18,139.39 $ 25,497.78
68 $ 1,788,440.86 $ 43,637.16 $ 17,884.41 $ 25,752.76
69 $ 1,762,688.10 $ 43,637.16 $ 17,626.88 $ 26,010.28
70 $ 1,736,677.82 $ 43,637.16 $ 17,366.78 $ 26,270.39
71 $ 1,710,407.43 $ 43,637.16 $ 17,104.07 $ 26,533.09
72 $ 1,683,874.34 $ 43,637.16 $ 16,838.74 $ 26,798.42
73 $ 1,657,075.92 $ 43,637.16 $ 16,570.76 $ 27,066.41
74 $ 1,630,009.51 $ 43,637.16 $ 16,300.10 $ 27,337.07
 75 $ 1,602,672.44 $ 43,637.16 $ 16,026.72 $ 27,610.44
76 $ 1,575,062.00 $ 43,637.16 $ 15,750.62 $ 27,886.54
77 $ 1,547,175.46 $ 43,637.16 $ 15,471.75 $ 28,165.41
78 $ 1,519,010.05 $ 43,637.16 $ 15,190.10 $ 28,447.06
79 $ 1,490,562.99 $ 43,637.16 $ 14,905.63 $ 28,731.53
80 $ 1,461,831.45 $ 43,637.16 $ 14,618.31 $ 29,018.85
81 $ 1,432,812.60 $ 43,637.16 $ 14,328.13 $ 29,309.04
82 $ 1,403,503.56 $ 43,637.16 $ 14,035.04 $ 29,602.13
83 $ 1,373,901.43 $ 43,637.16 $ 13,739.01 $ 29,898.15
84 $ 1,344,003.28 $ 43,637.16 $ 13,440.03 $ 30,197.13
85 $ 1,313,806.15 $ 43,637.16 $ 13,138.06 $ 30,499.10
86 $ 1,283,307.05 $ 43,637.16 $ 12,833.07 $ 30,804.09
87 $ 1,252,502.95 $ 43,637.16 $ 12,525.03 $ 31,112.14
88 $ 1,221,390.82 $ 43,637.16 $ 12,213.91 $ 31,423.26
89 $ 1,189,967.56 $ 43,637.16 $ 11,899.68 $ 31,737.49
90 $ 1,158,230.07 $ 43,637.16 $ 11,582.30 $ 32,054.86
91 $ 1,126,175.21 $ 43,637.16 $ 11,261.75 $ 32,375.41
92 $ 1,093,799.80 $ 43,637.16 $ 10,938.00 $ 32,699.17
93 $ 1,061,100.63 $ 43,637.16 $ 10,611.01 $ 33,026.16
94 $ 1,028,074.47 $ 43,637.16 $ 10,280.74 $ 33,356.42
95 $ 994,718.05 $ 43,637.16 $ 9,947.18 $ 33,689.98
96 $ 961,028.07 $ 43,637.16 $ 9,610.28 $ 34,026.88
97 $ 927,001.19 $ 43,637.16 $ 9,270.01 $ 34,367.15
98 $ 892,634.03 $ 43,637.16 $ 8,926.34 $ 34,710.82
99 $ 857,923.21 $ 43,637.16 $ 8,579.23 $ 35,057.93
100 $ 822,865.28 $ 43,637.16 $ 8,228.65 $ 35,408.51
101 $ 787,456.76 $ 43,637.16 $ 7,874.57 $ 35,762.60
102 $ 751,694.17 $ 43,637.16 $ 7,516.94 $ 36,120.22
103 $ 715,573.94 $ 43,637.16 $ 7,155.74 $ 36,481.43
104 $ 679,092.52 $ 43,637.16 $ 6,790.93 $ 36,846.24
105 $ 642,246.28 $ 43,637.16 $ 6,422.46 $ 37,214.70
106 $ 605,031.58 $ 43,637.16 $ 6,050.32 $ 37,586.85
107 $ 567,444.73 $ 43,637.16 $ 5,674.45 $ 37,962.72
108 $ 529,482.01 $ 43,637.16 $ 5,294.82 $ 38,342.34
109 $ 491,139.67 $ 43,637.16 $ 4,911.40 $ 38,725.77
110 $ 452,413.90 $ 43,637.16 $ 4,524.14 $ 39,113.03
111 $ 413,300.87 $ 43,637.16 $ 4,133.01 $ 39,504.16
112 $ 373,796.72 $ 43,637.16 $ 3,737.97 $ 39,899.20
113 $ 333,897.52 $ 43,637.16 $ 3,338.98 $ 40,298.19
114 $ 293,599.33 $ 43,637.16 $ 2,935.99 $ 40,701.17
115 $ 252,898.16 $ 43,637.16 $ 2,528.98 $ 41,108.18
116 $ 211,789.98 $ 43,637.16 $ 2,117.90 $ 41,519.26
117 $ 170,270.71 $ 43,637.16 $ 1,702.71 $ 41,934.46
118 $ 128,336.26 $ 43,637.16 $ 1,283.36 $ 42,353.80
119 $ 85,982.45 $ 43,637.16 $ 859.82 $ 42,777.34
120 $ 43,205.11 $ 43,637.16 $ 432.05 $ 43,205.11
121 $ 0.00 $ 43,637.16 $ 0.00 $ 43,637.16
o va a pagar en 120 cuotas
o la UVR se ubica en 147,9517
Construya el esquema de

$ 147.9517
$ 450,000,000.00

EN PESOS
Saldo final UVR Saldo inicial Cuota
$ 3,041,533.15 $ 147.9517 $ 450,000,000.00 $ -
$ 3,028,311.32 $ 148.6915 $ 452,250,000.00 $ 6,488,473.64
$ 3,014,957.26 $ 149.4349 $ 452,535,446.49 $ 6,520,916.01
$ 3,001,469.67 $ 150.1821 $ 452,792,584.37 $ 6,553,520.59
$ 2,987,847.20 $ 150.9330 $ 453,020,824.57 $ 6,586,288.19
$ 2,974,088.51 $ 151.6877 $ 453,219,568.35 $ 6,619,219.63
$ 2,960,192.23 $ 152.4461 $ 453,388,207.12 $ 6,652,315.73
$ 2,946,156.99 $ 153.2083 $ 453,526,122.33 $ 6,685,577.31
$ 2,931,981.40 $ 153.9744 $ 453,632,685.27 $ 6,719,005.20
$ 2,917,664.05 $ 154.7442 $ 453,707,256.96 $ 6,752,600.22
$ 2,903,203.52 $ 155.5180 $ 453,749,187.95 $ 6,786,363.22
$ 2,888,598.39 $ 156.2956 $ 453,757,818.19 $ 6,820,295.04
$ 2,873,847.21 $ 157.0770 $ 453,732,476.84 $ 6,854,396.52
$ 2,858,948.52 $ 157.8624 $ 453,672,482.12 $ 6,888,668.50
$ 2,843,900.84 $ 158.6517 $ 453,577,141.13 $ 6,923,111.84
$ 2,828,702.68 $ 159.4450 $ 453,445,749.71 $ 6,957,727.40
$ 2,813,352.55 $ 160.2422 $ 453,277,592.21 $ 6,992,516.04
$ 2,797,848.91 $ 161.0434 $ 453,071,941.35 $ 7,027,478.62
$ 2,782,190.23 $ 161.8486 $ 452,828,058.06 $ 7,062,616.01
$ 2,766,374.97 $ 162.6579 $ 452,545,191.24 $ 7,097,929.09
$ 2,750,401.55 $ 163.4712 $ 452,222,577.63 $ 7,133,418.74
$ 2,734,268.41 $ 164.2885 $ 451,859,441.60 $ 7,169,085.83
$ 2,717,973.92 $ 165.1100 $ 451,454,994.94 $ 7,204,931.26
$ 2,701,516.50 $ 165.9355 $ 451,008,436.70 $ 7,240,955.91
$ 2,684,894.50 $ 166.7652 $ 450,518,952.97 $ 7,277,160.69
$ 2,668,106.28 $ 167.5990 $ 449,985,716.72 $ 7,313,546.50
$ 2,651,150.18 $ 168.4370 $ 449,407,887.53 $ 7,350,114.23
$ 2,634,024.52 $ 169.2792 $ 448,784,611.43 $ 7,386,864.80
$ 2,616,727.60 $ 170.1256 $ 448,115,020.71 $ 7,423,799.13
$ 2,599,257.71 $ 170.9762 $ 447,398,233.65 $ 7,460,918.12
$ 2,581,613.12 $ 171.8311 $ 446,633,354.35 $ 7,498,222.71
$ 2,563,792.09 $ 172.6903 $ 445,819,472.51 $ 7,535,713.83
$ 2,545,792.84 $ 173.5537 $ 444,955,663.18 $ 7,573,392.39
$ 2,527,613.61 $ 174.4215 $ 444,040,986.55 $ 7,611,259.36
$ 2,509,252.58 $ 175.2936 $ 443,074,487.75 $ 7,649,315.65
$ 2,490,707.94 $ 176.1701 $ 442,055,196.56 $ 7,687,562.23
$ 2,471,977.85 $ 177.0509 $ 440,982,127.22 $ 7,726,000.04
$ 2,453,060.47 $ 177.9362 $ 439,854,278.19 $ 7,764,630.04
$ 2,433,953.91 $ 178.8259 $ 438,670,631.89 $ 7,803,453.19
$ 2,414,656.28 $ 179.7200 $ 437,430,154.44 $ 7,842,470.46
$ 2,395,165.68 $ 180.6186 $ 436,131,795.45 $ 7,881,682.81
$ 2,375,480.17 $ 181.5217 $ 434,774,487.75 $ 7,921,091.23
$ 2,355,597.81 $ 182.4293 $ 433,357,147.11 $ 7,960,696.68
$ 2,335,516.62 $ 183.3414 $ 431,878,672.01 $ 8,000,500.16
$ 2,315,234.63 $ 184.2581 $ 430,337,943.36 $ 8,040,502.67
$ 2,294,749.81 $ 185.1794 $ 428,733,824.23 $ 8,080,705.18
$ 2,274,060.14 $ 186.1053 $ 427,065,159.57 $ 8,121,108.70
$ 2,253,163.58 $ 187.0359 $ 425,330,775.98 $ 8,161,714.25
$ 2,232,058.05 $ 187.9710 $ 423,529,481.34 $ 8,202,522.82
$ 2,210,741.47 $ 188.9109 $ 421,660,064.60 $ 8,243,535.43
$ 2,189,211.72 $ 189.8554 $ 419,721,295.46 $ 8,284,753.11
$ 2,167,466.67 $ 190.8047 $ 417,711,924.08 $ 8,326,176.88
$ 2,145,504.17 $ 191.7587 $ 415,630,680.78 $ 8,367,807.76
$ 2,123,322.05 $ 192.7175 $ 413,476,275.72 $ 8,409,646.80
$ 2,100,918.10 $ 193.6811 $ 411,247,398.64 $ 8,451,695.03
$ 2,078,290.12 $ 194.6495 $ 408,942,718.48 $ 8,493,953.51
$ 2,055,435.86 $ 195.6228 $ 406,560,883.12 $ 8,536,423.28
$ 2,032,353.05 $ 196.6009 $ 404,100,519.01 $ 8,579,105.39
$ 2,009,039.42 $ 197.5839 $ 401,560,230.91 $ 8,622,000.92
$ 1,985,492.65 $ 198.5718 $ 398,938,601.46 $ 8,665,110.92
$ 1,961,710.41 $ 199.5647 $ 396,234,190.93 $ 8,708,436.48
$ 1,937,690.35 $ 200.5625 $ 393,445,536.84 $ 8,751,978.66
$ 1,913,430.09 $ 201.5653 $ 390,571,153.62 $ 8,795,738.55
$ 1,888,927.22 $ 202.5731 $ 387,609,532.23 $ 8,839,717.25
$ 1,864,179.33 $ 203.5860 $ 384,559,139.86 $ 8,883,915.83
$ 1,839,183.96 $ 204.6039 $ 381,418,419.50 $ 8,928,335.41
$ 1,813,938.63 $ 205.6270 $ 378,185,789.63 $ 8,972,977.09
$ 1,788,440.86 $ 206.6551 $ 374,859,643.78 $ 9,017,841.98
$ 1,762,688.10 $ 207.6884 $ 371,438,350.24 $ 9,062,931.19
$ 1,736,677.82 $ 208.7268 $ 367,920,251.57 $ 9,108,245.84
$ 1,710,407.43 $ 209.7704 $ 364,303,664.28 $ 9,153,787.07
$ 1,683,874.34 $ 210.8193 $ 360,586,878.43 $ 9,199,556.01
$ 1,657,075.92 $ 211.8734 $ 356,768,157.16 $ 9,245,553.79
$ 1,630,009.51 $ 212.9328 $ 352,845,736.37 $ 9,291,781.55
$ 1,602,672.44 $ 213.9974 $ 348,817,824.24 $ 9,338,240.46
$ 1,575,062.00 $ 215.0674 $ 344,682,600.83 $ 9,384,931.66
$ 1,547,175.46 $ 216.1427 $ 340,438,217.65 $ 9,431,856.32
$ 1,519,010.05 $ 217.2235 $ 336,082,797.22 $ 9,479,015.60
$ 1,490,562.99 $ 218.3096 $ 331,614,432.64 $ 9,526,410.68
$ 1,461,831.45 $ 219.4011 $ 327,031,187.11 $ 9,574,042.74
$ 1,432,812.60 $ 220.4981 $ 322,331,093.53 $ 9,621,912.95
$ 1,403,503.56 $ 221.6006 $ 317,512,153.97 $ 9,670,022.51
$ 1,373,901.43 $ 222.7086 $ 312,572,339.26 $ 9,718,372.63
$ 1,344,003.28 $ 223.8222 $ 307,509,588.48 $ 9,766,964.49
$ 1,313,806.15 $ 224.9413 $ 302,321,808.47 $ 9,815,799.31
$ 1,283,307.05 $ 226.0660 $ 297,006,873.38 $ 9,864,878.31
$ 1,252,502.95 $ 227.1963 $ 291,562,624.13 $ 9,914,202.70
$ 1,221,390.82 $ 228.3323 $ 285,986,867.91 $ 9,963,773.71
$ 1,189,967.56 $ 229.4740 $ 280,277,377.68 $ 10,013,592.58
$ 1,158,230.07 $ 230.6213 $ 274,431,891.67 $ 10,063,660.55
$ 1,126,175.21 $ 231.7744 $ 268,448,112.79 $ 10,113,978.85
$ 1,093,799.80 $ 232.9333 $ 262,323,708.15 $ 10,164,548.74
$ 1,061,100.63 $ 234.0980 $ 256,056,308.47 $ 10,215,371.49
$ 1,028,074.47 $ 235.2685 $ 249,643,507.57 $ 10,266,448.34
$ 994,718.05 $ 236.4448 $ 243,082,861.77 $ 10,317,780.59
$ 961,028.07 $ 237.6270 $ 236,371,889.35 $ 10,369,369.49
$ 927,001.19 $ 238.8152 $ 229,508,069.95 $ 10,421,216.34
$ 892,634.03 $ 240.0092 $ 222,488,843.99 $ 10,473,322.42
$ 857,923.21 $ 241.2093 $ 215,311,612.06 $ 10,525,689.03
$ 822,865.28 $ 242.4153 $ 207,973,734.35 $ 10,578,317.47
$ 787,456.76 $ 243.6274 $ 200,472,529.99 $ 10,631,209.06
$ 751,694.17 $ 244.8455 $ 192,805,276.46 $ 10,684,365.11
$ 715,573.94 $ 246.0698 $ 184,969,208.93 $ 10,737,786.93
$ 679,092.52 $ 247.3001 $ 176,961,519.66 $ 10,791,475.87
$ 642,246.28 $ 248.5366 $ 168,779,357.29 $ 10,845,433.25
$ 605,031.58 $ 249.7793 $ 160,419,826.20 $ 10,899,660.41
$ 567,444.73 $ 251.0282 $ 151,879,985.87 $ 10,954,158.72
$ 529,482.01 $ 252.2833 $ 143,156,850.15 $ 11,008,929.51
$ 491,139.67 $ 253.5448 $ 134,247,386.58 $ 11,063,974.16
$ 452,413.90 $ 254.8125 $ 125,148,515.73 $ 11,119,294.03
$ 413,300.87 $ 256.0865 $ 115,857,110.39 $ 11,174,890.50
$ 373,796.72 $ 257.3670 $ 106,369,994.95 $ 11,230,764.95
$ 333,897.52 $ 258.6538 $ 96,683,944.60 $ 11,286,918.77
$ 293,599.33 $ 259.9471 $ 86,795,684.60 $ 11,343,353.37
$ 252,898.16 $ 261.2468 $ 76,701,889.52 $ 11,400,070.14
$ 211,789.98 $ 262.5530 $ 66,399,182.47 $ 11,457,070.49
$ 170,270.71 $ 263.8658 $ 55,884,134.33 $ 11,514,355.84
$ 128,336.26 $ 265.1851 $ 45,153,262.93 $ 11,571,927.62
$ 85,982.45 $ 266.5111 $ 34,203,032.28 $ 11,629,787.26
$ 43,205.11 $ 267.8436 $ 23,029,851.73 $ 11,687,936.19
$ 0.00 $ 269.1828 $ 11,630,075.12 $ 11,746,375.87
$ 270.5288 $ 0.00