Karen Viviana Bohada Duquino

CODIGO: 1810010507

I Se otorga un préstamo por $30.000.000, con un plazo de dos años y con sistema de amortización
a. Presentar la tabla de amortización por todo el plazo
b. Una vez se pague la cuota # 11, se realiza un abono a capital por $10.000.000, se debe hallar el
inicialmente pactado, si se decide seguir pagando la misma cuota, en cuanto tiempo se reduce el
dos tablas de amortización para cada caso, es decir, reducción de la cuota y reducción del plazo). E
decimales.

A Valor préstamo $30,000,000

plazo 2 años 24
Tasa interés EA 0.2242

# CUOTA CUOTA FIJA PESOS

1 $ 1,532,746
2 $ 1,532,746
3 $ 1,532,746
4 $ 1,532,746
5 $ 1,532,746
6 $ 1,532,746
7 $ 1,532,746
8 $ 1,532,746
9 $ 1,532,746
10 $ 1,532,746
11 $ 1,532,746
12 $ 1,532,746
13 $ 1,532,746
14 $ 1,532,746
15 $ 1,532,746
16 $ 1,532,746
17 $ 1,532,746
18 $ 1,532,746
19 $ 1,532,746
20 $ 1,532,746
21 $ 1,532,746
22 $ 1,532,746
23 $ 1,532,746
24 $ 1,532,746
 TOTAL INTERES

B
CUOTA #11
ABONO CAPITAL $ 20,000,000
plazo 2 años 24

TABLA DE AMORTIZACIÓN

# CUOTA CUOTA FIJA PESOS

INTERESES AMORTIZACIÓN
10 $ 1,532,746 $342,451 $ 1,190,295
11 $ 1,532,746 $322,215 $ 1,210,530
12 $ 1,532,746 $301,636 $ 1,231,110
13 $ 1,532,746 $280,707 $ 1,252,039
14 $ 1,532,746 $259,422 $ 1,273,324
15 $ 1,532,746 $237,775 $ 1,294,970
16 $ 1,532,746 $215,761 $ 1,316,985
17 $ 1,532,746 $193,372 $ 1,339,374
18 $ 1,532,746 $170,602 $ 1,362,144
19 $ 1,532,746 $147,445 $ 1,385,300
20 $ 1,532,746 $123,895 $ 1,408,851
21 $ 1,532,746 $99,944 $ 1,432,802
22 $ 1,532,746 $75,586 $ 1,457,159
23 $ 1,532,746 $50,814 $ 1,481,931
24 $ 1,532,746 $25,621 $ 1,507,125
25 $ 1,532,746 $0 $ 1,532,746
26 $ 1,532,746 -$26,057 $ 1,558,803
27 $ 1,532,746 -$52,557 $ 1,585,303
28 $ 1,532,746 -$79,507 $ 1,612,253
29 $ 1,532,746 -$106,916 $ 1,639,662
30 $ 1,532,746 -$134,790 $ 1,667,536
31 $ 1,532,746 -$163,139 $ 1,695,885
32 $ 1,532,746 -$191,969 $ 1,724,715
33 $ 1,532,746 -$221,290 $ 1,754,036

II. Se realiza un préstamo de vivienda por $300MM, a una plazo de cinco años, con una tasa de int
mensual cuota fija en UVR.
Valor UVR día desembolso 269.4568
IPC proyectada para los cinco años 3.87%, sin presentar cambios.
Presentar las dos tablas de amortización (Pesos y UVR)
 
 PRESTAMO $ 300,000,000
TASA INTERES UVR+4,3% 0.043
PLAZO 5 AÑOS 60
UVR MAS 4.3% 0.043
UVR DIA DESEMBOLSO 269.4568
IPC 3.87% 0.0387

TABLA DE AMORTIZACIÓN UVR

# cuota Vr cuota Intereses Vr abono a capital
1 22468.8258941907 3912.975754205 $ 18,556
2 22403.6096316206 3847.759491635 $ 18,556
3 22338.3933690506 3782.543229065 $ 18,556
4 22273.1771064805 3717.326966495 $ 18,556
5 22207.9608439104 3652.110703925 $ 18,556
6 22142.7445813403 3586.894441355 $ 18,556
7 22077.5283187702 3521.678178785 $ 18,556
8 22012.3120562001 3456.461916215 $ 18,556
9 21947.09579363 3391.245653645 $ 18,556
10 21881.8795310599 3326.029391075 $ 18,556
11 21816.6632684898 3260.813128505 $ 18,556
12 21751.4470059197 3195.596865934 $ 18,556
13 21686.2307433497 3130.380603364 $ 18,556
14 21621.0144807796 3065.164340794 $ 18,556
15 21555.7982182095 2999.948078224 $ 18,556
16 21490.5819556394 2934.731815654 $ 18,556
17 21425.3656930693 2869.515553084 $ 18,556
18 21360.1494304992 2804.299290514 $ 18,556
19 21294.9331679291 2739.083027944 $ 18,556
20 21229.716905359 2673.866765374 $ 18,556
21 21164.5006427889 2608.650502804 $ 18,556
22 21099.2843802188 2543.434240234 $ 18,556
23 21034.0681176488 2478.217977663 $ 18,556
24 20968.8518550787 2413.001715093 $ 18,556
25 20903.6355925086 2347.785452523 $ 18,556
26 20838.4193299385 2282.569189953 $ 18,556
27 20773.2030673684 2217.352927383 $ 18,556
28 20707.9868047983 2152.136664813 $ 18,556
29 20642.7705422282 2086.920402243 $ 18,556
30 20577.5542796581 2021.704139673 $ 18,556
31 20512.338017088 1956.487877103 $ 18,556
32 20447.1217545179 1891.271614533 $ 18,556
33 20381.9054919479 1826.055351963 $ 18,556
34 20316.6892293778 1760.839089392 $ 18,556
35 20251.4729668077 1695.622826822 $ 18,556
36 20186.2567042376 1630.406564252 $ 18,556
37 20121.0404416675 1565.190301682 $ 18,556
38 20055.8241790974 1499.974039112 $ 18,556
39 19990.6079165273 1434.757776542 $ 18,556
40 19925.3916539572 1369.541513972 $ 18,556
41 19860.1753913871 1304.325251402 $ 18,556
42 19794.959128817 1239.108988832 $ 18,556
43 19729.742866247 1173.892726262 $ 18,556
44 19664.5266036769 1108.676463692 $ 18,556
45 19599.3103411068 1043.460201121 $ 18,556
46 19534.0940785367 978.2439385514 $ 18,556
47 19468.8778159666 913.0276759813 $ 18,556
48 19403.6615533965 847.8114134112 $ 18,556
49 19338.4452908264 782.5951508411 $ 18,556
50 19273.2290282563 717.378888271 $ 18,556
51 19208.0127656862 652.1626257009 $ 18,556
52 19142.7965031161 586.9463631308 $ 18,556
53 19077.5802405461 521.7301005607 $ 18,556
54 19012.363977976 456.5138379906 $ 18,556
55 18947.1477154059 391.2975754205 $ 18,556
56 18881.9314528358 326.0813128505 $ 18,556
57 18816.7151902657 260.8650502804 $ 18,556
58 18751.4989276956 195.6487877103 $ 18,556
59 18686.2826651255 130.4325251402 $ 18,556
60 18621.0664025554 65.21626257009 $ 18,556

TOTAL INTERESE UVR 119345.7605033

lazo de dos años y con sistema de amortización cuota fija mensual, a una tasa del 22.42% EA, se requiere:
azo
no a capital por $10.000.000, se debe hallar el nuevo valor de la cuota manteniendo la misma tasa y el plazo
la misma cuota, en cuanto tiempo se reduce el plazo para la cancelación total de la deuda? (Presentar las
, reducción de la cuota y reducción del plazo). El porcentaje de la tasa de interés periódica trabajarla con dos

ip mensual 0.017000183453
CUOTA FIJA $ 1,532,746

TABLA DE AMORTIZACIÓN

INTERESES AMORTIZACIÓN SALDO CAPITAL

$510,006 $ 1,022,740 $28,977,260
$492,619 $ 1,040,127 $27,937,132
$474,936 $ 1,057,810 $26,879,323
$456,953 $ 1,075,792 $25,803,530
$438,665 $ 1,094,081 $24,709,449
$420,065 $ 1,112,681 $23,596,768
$401,149 $ 1,131,597 $22,465,172
$381,912 $ 1,150,834 $21,314,338
$362,348 $ 1,170,398 $20,143,940
$342,451 $ 1,190,295 $18,953,645
$322,215 $ 1,210,530 $17,743,114
$301,636 $ 1,231,110 $16,512,004
$280,707 $ 1,252,039 $15,259,966
$259,422 $ 1,273,324 $13,986,642
$237,775 $ 1,294,970 $12,691,671
$215,761 $ 1,316,985 $11,374,686
$193,372 $ 1,339,374 $10,035,312
$170,602 $ 1,362,144 $8,673,168
$147,445 $ 1,385,300 $7,287,868
$123,895 $ 1,408,851 $5,879,017
$99,944 $ 1,432,802 $4,446,215
$75,586 $ 1,457,159 $2,989,056
$50,814 $ 1,481,931 $1,507,125
$25,621 $ 1,507,125 $0
 $6,785,902

ip mensual 0.017000183453

ACIÓN TABLA DE AMORTIZACIÓN

CUOTA FIJA
# CUOTA
SALDO CAPITAL PESOS INTERESES
$18,953,645 10 $ 1,532,746 $342,451
$17,743,114 11 $ 1,532,746 $322,215
$16,512,004 12 $ 1,532,746 $301,636
$15,259,966 13 $ 1,532,746 $280,707
$13,986,642 14 $ 1,532,746 $259,422
$12,691,671 15 $ 1,532,746 $237,775
$11,374,686 16 $ 1,532,746 $215,761
$10,035,312 17 $ 1,532,746 $193,372
$8,673,168 18 $ 1,532,746 $170,602
$7,287,868 19 $ 1,532,746 $147,445
$5,879,017 20 $ 1,532,746 $123,895
$4,446,215 21 $ 1,532,746 $99,944
$2,989,056 22 $ 1,532,746 $75,586
$1,507,125 23 $ 1,532,746 $50,814
$0 24 $ 1,532,746 $25,621
-$1,532,746 25 $ 1,532,746 $0
-$3,091,549 26 $ 1,532,746 -$26,057
-$4,676,852 27 $ 1,532,746 -$52,557
-$6,289,105 28 $ 1,532,746 -$79,507
-$7,928,767 29 $ 1,532,746 -$106,916
-$9,596,303 30 $ 1,532,746 -$134,790
-$11,292,188 31 $ 1,532,746 -$163,139
-$13,016,903 32 $ 1,532,746 -$191,969
-$14,770,939 33 $ 1,532,746 -$221,290

, a una plazo de cinco años, con una tasa de interés del UVR más 4.3%. Sistema de amortización pago

entar cambios.
VR)
 TEAT 0.0833641
ip mensual 0.006694903614
ip mensual IPC 0.003169172179
ip ptos adic, UVR 0.003514593084
Vr préstamo en UVR $ 1,113,351

Abono fijo a capital $ 18,556

VP * ip $ 3,913

ÓN UVR TABLA DE AM
Saldo a capital # cuota Vr cuota UVR Vr UVR
$ 1,094,795 1 22468.825894 270.31075499
$ 1,076,239 2 22403.609632 271.16741632
$ 1,057,683 3 22338.393369 272.02679255
$ 1,039,128 4 22273.177106 272.88889229
$ 1,020,572 5 22207.960844 273.75372418
$ 1,002,016 6 22142.744581 274.62129686
$ 983,460 7 22077.528319 275.49161904
$ 964,904 8 22012.312056 276.36469941
$ 946,348 9 21947.095794 277.24054673
$ 927,793 10 21881.879531 278.11916976
$ 909,237 11 21816.663268 279.00057729
$ 890,681 12 21751.447006 279.88477816
$ 872,125 13 21686.230743 280.77178121
$ 853,569 14 21621.014481 281.66159533
$ 835,013 15 21555.798218 282.55422942
$ 816,457 16 21490.581956 283.44969242
$ 797,902 17 21425.365693 284.3479933
$ 779,346 18 21360.14943 285.24914105
$ 760,790 19 21294.933168 286.1531447
$ 742,234 20 21229.716905 287.06001328
$ 723,678 21 21164.500643 287.96975589
$ 705,122 22 21099.28438 288.88238163
$ 686,566 23 21034.068118 289.79789963
$ 668,011 24 20968.851855 290.71631907
$ 649,455 25 20903.635593 291.63764915
$ 630,899 26 20838.41933 292.56189907
$ 612,343 27 20773.203067 293.4890781
$ 593,787 28 20707.986805 294.41919552
$ 575,231 29 20642.770542 295.35226064
$ 556,676 30 20577.55428 296.28828281
$ 538,120 31 20512.338017 297.2272714
$ 519,564 32 20447.121755 298.16923579
$ 501,008 33 20381.905492 299.11418544
$ 482,452 34 20316.689229 300.0621298
$ 463,896 35 20251.472967 301.01307835
$ 445,340 36 20186.256704 301.96704062
$ 426,785 37 20121.040442 302.92402617
$ 408,229 38 20055.824179 303.88404456
$ 389,673 39 19990.607917 304.84710542
$ 371,117 40 19925.391654 305.81321839
$ 352,561 41 19860.175391 306.78239313
$ 334,005 42 19794.959129 307.75463936
$ 315,449 43 19729.742866 308.7299668
$ 296,894 44 19664.526604 309.70838522
$ 278,338 45 19599.310341 310.68990442
$ 259,782 46 19534.094079 311.67453422
$ 241,226 47 19468.877816 312.66228448
$ 222,670 48 19403.661553 313.6531651
$ 204,114 49 19338.445291 314.64718598
$ 185,559 50 19273.229028 315.64435709
$ 167,003 51 19208.012766 316.6446884
$ 148,447 52 19142.796503 317.64818994
$ 129,891 53 19077.580241 318.65487175
$ 111,335 54 19012.363978 319.6647439
$ 92,779 55 18947.147715 320.67781651
$ 74,223 56 18881.931453 321.69409973
$ 55,668 57 18816.71519 322.71360372
$ 37,112 58 18751.498928 323.73633869
$ 18,556 59 18686.282665 324.76231489
$ 0 60 18621.066403 325.79154258
% EA, se requiere:

misma tasa y el plazo

a? (Presentar las
ca trabajarla con dos
ABLA DE AMORTIZACIÓN

AMORTIZACIÓN SALDO CAPITAL

$ 1,190,295 $18,953,645
$ 1,210,530 $17,743,114
$ 1,231,110 $16,512,004
$ 1,252,039 $15,259,966
$ 1,273,324 $13,986,642
$ 1,294,970 $12,691,671
$ 1,316,985 $11,374,686
$ 1,339,374 $10,035,312
$ 1,362,144 $8,673,168
$ 1,385,300 $7,287,868
$ 1,408,851 $5,879,017
$ 1,432,802 $4,446,215
$ 1,457,159 $2,989,056
$ 1,481,931 $1,507,125
$ 1,507,125 $0
$ 1,532,746 -$1,532,746
$ 1,558,803 -$3,091,549
$ 1,585,303 -$4,676,852
$ 1,612,253 -$6,289,105
$ 1,639,662 -$7,928,767
$ 1,667,536 -$9,596,303
$ 1,695,885 -$11,292,188
$ 1,724,715 -$13,016,903
$ 1,754,036 -$14,770,939

tización pago
TABLA DE AMORTIZACIÓN EN PESOS
Cuota pesos Intereses Amortización Saldo a capital
6073565.291287 $ 2,008,471 $ 4,065,094 $ 295,934,906
6075128.940012 $ 1,981,256 $ 4,093,873 $ 291,841,033
6076641.498903 $ 1,953,848 $ 4,122,794 $ 287,718,239
6078102.62843 $ 1,926,246 $ 4,151,857 $ 283,566,382
6079511.987425 $ 1,898,450 $ 4,181,062 $ 279,385,319
6080869.233074 $ 1,870,458 $ 4,210,411 $ 275,174,908
6082174.020908 $ 1,842,269 $ 4,239,905 $ 270,935,003
6083426.0048 $ 1,813,884 $ 4,269,542 $ 266,665,461
6084624.836956 $ 1,785,300 $ 4,299,325 $ 262,366,136
6085770.167908 $ 1,756,516 $ 4,329,254 $ 258,036,882
6086861.646506 $ 1,727,532 $ 4,359,330 $ 253,677,552
6087898.919911 $ 1,698,347 $ 4,389,552 $ 249,288,000
6088881.63359 $ 1,668,959 $ 4,419,923 $ 244,868,077
6089809.431307 $ 1,639,368 $ 4,450,441 $ 240,417,636
6090681.955115 $ 1,609,573 $ 4,481,109 $ 235,936,527
6091498.845352 $ 1,579,572 $ 4,511,927 $ 231,424,601
6092259.740628 $ 1,549,365 $ 4,542,894 $ 226,881,706
6092964.277824 $ 1,518,951 $ 4,574,013 $ 222,307,693
6093612.09208 $ 1,488,329 $ 4,605,284 $ 217,702,410
6094202.816792 $ 1,457,497 $ 4,636,706 $ 213,065,704
6094736.0836 $ 1,426,454 $ 4,668,282 $ 208,397,422
6095211.522382 $ 1,395,201 $ 4,700,011 $ 203,697,411
6095628.761248 $ 1,363,735 $ 4,731,894 $ 198,965,517
6095987.426533 $ 1,332,055 $ 4,763,932 $ 194,201,584
6096287.142786 $ 1,300,161 $ 4,796,126 $ 189,405,458
6096527.532766 $ 1,268,051 $ 4,828,476 $ 184,576,982
6096708.217432 $ 1,235,725 $ 4,860,983 $ 179,715,999
6096828.815937 $ 1,203,181 $ 4,893,648 $ 174,822,351
6096888.945619 $ 1,170,419 $ 4,926,470 $ 169,895,881
6096888.221995 $ 1,137,437 $ 4,959,452 $ 164,936,429
6096826.258752 $ 1,104,233 $ 4,992,593 $ 159,943,836
6096702.667739 $ 1,070,809 $ 5,025,894 $ 154,917,942
6096517.058961 $ 1,037,161 $ 5,059,356 $ 149,858,586
6096269.040568 $ 1,003,289 $ 5,092,980 $ 144,765,606
6095958.218852 $ 969,192 $ 5,126,766 $ 139,638,839
6095584.198235 $ 934,869 $ 5,160,716 $ 134,478,124
6095146.581261 $ 900,318 $ 5,194,829 $ 129,283,295
6094644.968591 $ 865,539 $ 5,229,106 $ 124,054,189
6094078.958995 $ 830,531 $ 5,263,548 $ 118,790,641
6093448.14934 $ 795,292 $ 5,298,156 $ 113,492,485
6092752.134586 $ 759,821 $ 5,332,931 $ 108,159,554
6091990.507777 $ 724,118 $ 5,367,873 $ 102,791,681
6091162.860031 $ 688,180 $ 5,402,982 $ 97,388,699
6090268.780533 $ 652,008 $ 5,438,261 $ 91,950,438
6089307.85653 $ 615,599 $ 5,473,709 $ 86,476,730
6088279.673318 $ 578,953 $ 5,509,326 $ 80,967,403
6087183.814236 $ 542,069 $ 5,545,115 $ 75,422,288
6086019.860657 $ 504,945 $ 5,581,075 $ 69,841,214
6084787.391982 $ 467,580 $ 5,617,207 $ 64,224,006
6083485.985628 $ 429,974 $ 5,653,512 $ 58,570,494
6082115.217025 $ 392,124 $ 5,689,991 $ 52,880,502
6080674.659599 $ 354,030 $ 5,726,645 $ 47,153,858
6079163.884775 $ 315,691 $ 5,763,473 $ 41,390,384
6077582.461957 $ 277,105 $ 5,800,478 $ 35,589,906
6075929.958528 $ 238,271 $ 5,837,659 $ 29,752,248
6074205.939839 $ 199,188 $ 5,875,018 $ 23,877,230
6072409.969197 $ 159,856 $ 5,912,554 $ 17,964,676
6070541.607863 $ 120,272 $ 5,950,270 $ 12,014,406
6068600.415037 $ 80,435 $ 5,988,165 $ 6,026,241
6066585.947853 $ 40,345 $ 6,026,241 $ 0

TOTAL INTERES $ 65,258,404