Ejemplo Usted toma en arrendamiento un apartamento por un valor de $1.000.

000 mensuales y le plante

la posibilidad de pagarle en forma anticipada todo un año. Si se acuerda una tasa de descuento d
valor a pagar

Pago 1,000,000 MES CUOTA

Nper 12 0 1,000,000
Tasa EA 12.50% 1 1,000,000
Tasa MV 0.9864% 2 1,000,000
VA 11,375,896 3 1,000,000
4 1,000,000
5 1,000,000
6 1,000,000
7 1,000,000
8 1,000,000
9 1,000,000
10 1,000,000
11 1,000,000
12,000,000
Ejemplo Se ha concedido un credito por $28.000.000 a una tasa EA del 13,2% pagadero en cuotas mens
plazo de 5 años. Transcurridos tres años el deudor solicita el estado de su credito para cancelarlo
asciende su deuda en ese momento?

VA 28,000,000 40,616,015
Tasa EA 13.20%
Tasa MV 1.0386%
Nper 60
Pago - 629,414 27,306,337
13,309,678
Mes solicitado 36
Cuotas Faltantes 24
VA - 13,309,678
VF - 13,309,678

Per Saldo inicial Interes

1 28,000,000 290,800
36 13,795,812 143,280
60 622,944 6,470
9,764,818
Ejemplo Si hoy deposito $2.000.000 y luego tambien deposito $600.000 pesos mensuales durante dos añ
del 0,6%, de cuanto dispondre al final

Tasa MV 0.60%
Nper 24
 VA - 2,000,000
Pago - 600,000
VF 17,747,504

Ejemplo Se ha concedido un credito por $28.000.000 pagaderos en 5 años con cuotas uniformes al 12,5%
años el deudor solicita refinanciacion a otros 5 años. Si el banco aprueba su solicitud, calcule
refinanciada.

VA 28,000,000 Refinanciacion
Nper 60 VA 18,726,685
Tasa EA 12.50% Nper 60
Tasa mensual 0.9864% Tasa mensual 0.9864%
Pago - 620,531 Pago - 415,017

Per Saldo inicial Interes

1 28,000,000 276,180
2 27,655,650 272,784
3 27,307,903 269,354
4 26,956,726 265,890
5 26,602,085 262,392
6 26,243,946 258,859
7 25,882,274 255,292
8 25,517,035 251,689
9 25,148,194 248,051
10 24,775,715 244,377
11 24,399,561 240,667
12 24,019,697 236,920
13 23,636,087 233,136
14 23,248,693 229,315
15 22,857,477 225,457
16 22,462,403 221,560
17 22,063,432 217,624
18 21,660,526 213,650
19 21,253,645 209,637
20 20,842,752 205,584
21 20,427,805 201,491
22 20,008,766 197,358
23 19,585,593 193,184
24 19,158,246 188,969
25 18,726,685 184,712
26 18,496,380 182,441
27 18,263,803 180,146
28 18,028,932 177,830
29 17,791,745 175,490
30 17,552,218 173,128
31 17,310,328 170,742
32 17,066,053 168,332
33 16,819,368 165,899
34 16,570,250 163,442
35 16,318,675 160,961
36 16,064,618 158,455
37 15,808,055 155,924
38 15,548,962 153,368
39 15,287,313 150,788
40 15,023,084 148,181
41 14,756,248 145,549
42 14,486,780 142,892
43 14,214,654 140,207
44 13,939,844 137,497
45 13,662,324 134,759
46 13,382,066 131,995
47 13,099,044 129,203
48 12,813,230 126,384
49 12,524,597 123,537
50 12,233,117 120,662
51 11,938,762 117,759
52 11,641,504 114,827
53 11,341,314 111,866
54 11,038,162 108,876
55 10,732,021 105,856
56 10,422,860 102,807
57 10,110,649 99,727
58 9,795,359 96,617
59 9,476,959 93,477
60 9,155,419 90,305
61 8,830,707 87,102
62 8,502,792 83,868
63 8,171,643 80,602
64 7,837,227 77,303
65 7,499,513 73,972
66 7,158,468 70,608
67 6,814,058 67,211
68 6,466,252 63,780
69 6,115,015 60,316
70 5,760,314 56,817
71 5,402,114 53,284
72 5,040,381 49,716
73 4,675,080 46,113
74 4,306,176 42,474
75 3,933,633 38,800
 76 3,557,415 35,089
77 3,177,487 31,341
78 2,793,811 27,557
79 2,406,351 23,735
80 2,015,069 19,876
81 1,619,927 15,978
82 1,220,888 12,042
83 817,913 8,068
84 410,964 4,054

Ejemplo Una persona requiere un credito por $100.000.000 para iniciar un negocio y un banco le ofrece
con un plazo de 6 años que incluye un periodo de gracia de 1 año. Calcule el valor de las cuotas m
periodo de gracia se pagan los interes y en segundo lugar, durante el periodo de gracia no se

Tasa EA 11.50%
Tasa mensual 0.9112%
VA 100,000,000

Caso1 Cuotas 1 a 12 911,247

Cuotas 13 a 72 2,171,000

Caso2 Cuotas 1 a 12 0
Saldo mes 12 111,500,000
Cuotas 13 a 72 2,420,665

VNA 100,000,000 100,000,000

COMPROBACION MES CUOTAS 1 CUOTAS 2
1 911,247 -
72 2,171,000 2,420,665

Ejemplo Se va a pagar un credito por $35.000.000 a cinco años con cuotas mensuales uniformes a una
Ademas, el deudor solicita pagar cuotas extraordinarias de $1.000.000 semestrales. Calcule e
mensuales.

VA 35,000,000
Tasa MV 1.00%
Tasa SV 6.15%

Cuotas Extraordinarias Cuotas Ordinarias

Pago 1,000,000 VA 27,692,632
Nper 10 Nper 60
Tasa 6.15% Tasa 1.00%
VA 7,307,368 Pago 616,007
Opcion 2
VA 35,000,000
Tasa Mes 1.00%
Cuota Extra 1,000,000
Cuota Mes 616,007

VNA 35,000,000 -
Mes Cuota
1 616,007
2 616,007
3 616,007
4 616,007
5 616,007
6 1,616,007
7 616,007
8 616,007
9 616,007
10 616,007
11 616,007
12 1,616,007
13 616,007
14 616,007
15 616,007
16 616,007
17 616,007
18 1,616,007
19 616,007
20 616,007
21 616,007
22 616,007
23 616,007
24 1,616,007
25 616,007
26 616,007
27 616,007
28 616,007
29 616,007
30 1,616,007
31 616,007
32 616,007
33 616,007
34 616,007
35 616,007
36 1,616,007
 37 616,007
38 616,007
39 616,007
40 616,007
41 616,007
42 1,616,007
43 616,007
44 616,007
45 616,007
46 616,007
47 616,007
48 1,616,007
49 616,007
50 616,007
51 616,007
52 616,007
53 616,007
54 1,616,007
55 616,007
56 616,007
57 616,007
58 616,007
59 616,007
60 1,616,007

Ejemplo Se va a pagar un credito por $35.000.000 con 60 cuotas mensuales uniformes a una tasa mensua
cada año permanecen constantes pero de un año a otro se incrementan en un 6%. Calcule el
mensuales.

VA 35,000,000
Tasa MV 1%
Nper 60
Cuota Año 1 700,211
INCREMENTO ANUA 6%

VNA 35,000,000 -
MES CUOTA
1 700,211
2 700,211
3 700,211
4 700,211
5 700,211
6 700,211
7 700,211
8 700,211
 9 700,211
10 700,211
11 700,211
12 700,211
13 742,224
14 742,224
15 742,224
16 742,224
17 742,224
18 742,224
19 742,224
20 742,224
21 742,224
22 742,224
23 742,224
24 742,224
25 786,757
26 786,757
27 786,757
28 786,757
29 786,757
30 786,757
31 786,757
32 786,757
33 786,757
34 786,757
35 786,757
36 786,757
37 833,963
38 833,963
39 833,963
40 833,963
41 833,963
42 833,963
43 833,963
44 833,963
45 833,963
46 833,963
47 833,963
48 833,963
49 884,000
50 884,000
51 884,000
52 884,000
53 884,000
54 884,000
55 884,000
56 884,000
57 884,000
58 884,000
59 884,000
60 884,000
000.000 mensuales y le plantea al dueño del inmueble
erda una tasa de descuento del 12,5% EA, cual sera el

V/PRESENTE
1,000,000
990,233
980,561
970,984
961,500
952,109
942,809
933,600
924,482
915,452
906,511
897,657
11,375,896
,2% pagadero en cuotas mensuales uniformes a un
o de su credito para cancelarlo totalmente. A cuanto
momento?

Cuota Amortizacion Saldo Final

629,414 338,613 27,661,387
629,414 486,134 13,309,678
629,414 622,944 0
37,764,818 28,000,000
sos mensuales durante dos años a una tasa mensual
ndre al final
con cuotas uniformes al 12,5% EA. Transcurridos dos
o aprueba su solicitud, calcule el valor de la cuota

Cuota Amortizacion Saldo Final V/presente

620,531 344,350 27,655,650 614,470
620,531 347,747 27,307,903 608,468
620,531 351,177 26,956,726 602,525
620,531 354,641 26,602,085 596,640
620,531 358,139 26,243,946 590,813
620,531 361,671 25,882,274 585,042
620,531 365,239 25,517,035 579,328
620,531 368,841 25,148,194 573,669
620,531 372,479 24,775,715 568,066
620,531 376,153 24,399,561 562,518
620,531 379,864 24,019,697 557,023
620,531 383,611 23,636,087 551,583
620,531 387,394 23,248,693 546,195
620,531 391,215 22,857,477 540,861
620,531 395,074 22,462,403 535,578
620,531 398,971 22,063,432 530,347
620,531 402,906 21,660,526 525,167
620,531 406,880 21,253,645 520,037
620,531 410,894 20,842,752 514,958
620,531 414,947 20,427,805 509,928
620,531 419,039 20,008,766 504,948
620,531 423,173 19,585,593 500,016
620,531 427,347 19,158,246 495,132
620,531 431,562 18,726,685 490,296
415,017 230,305 18,496,380 324,712
415,017 232,577 18,263,803 321,541
415,017 234,871 18,028,932 318,400
415,017 237,187 17,791,745 315,290
415,017 239,527 17,552,218 312,211
415,017 241,890 17,310,328 309,161
415,017 244,275 17,066,053 306,141
415,017 246,685 16,819,368 303,151
415,017 249,118 16,570,250 300,190
415,017 251,575 16,318,675 297,258
415,017 254,057 16,064,618 294,355
415,017 256,563 15,808,055 291,480
415,017 259,093 15,548,962 288,633
415,017 261,649 15,287,313 285,814
415,017 264,230 15,023,084 283,022
415,017 266,836 14,756,248 280,258
415,017 269,468 14,486,780 277,520
415,017 272,126 14,214,654 274,810
415,017 274,810 13,939,844 272,126
415,017 277,520 13,662,324 269,468
415,017 280,258 13,382,066 266,836
415,017 283,022 13,099,044 264,230
415,017 285,814 12,813,230 261,649
415,017 288,633 12,524,597 259,093
415,017 291,480 12,233,117 256,563
415,017 294,355 11,938,762 254,057
415,017 297,258 11,641,504 251,575
415,017 300,190 11,341,314 249,118
415,017 303,151 11,038,162 246,685
415,017 306,141 10,732,021 244,275
415,017 309,161 10,422,860 241,890
415,017 312,211 10,110,649 239,527
415,017 315,290 9,795,359 237,187
415,017 318,400 9,476,959 234,871
415,017 321,541 9,155,419 232,577
415,017 324,712 8,830,707 230,305
415,017 327,915 8,502,792 228,056
415,017 331,149 8,171,643 225,828
415,017 334,416 7,837,227 223,622
415,017 337,714 7,499,513 221,438
415,017 341,045 7,158,468 219,275
415,017 344,409 6,814,058 217,134
415,017 347,806 6,466,252 215,013
415,017 351,237 6,115,015 212,913
415,017 354,701 5,760,314 210,833
415,017 358,200 5,402,114 208,774
415,017 361,733 5,040,381 206,735
415,017 365,301 4,675,080 204,716
415,017 368,904 4,306,176 202,716
415,017 372,543 3,933,633 200,736
415,017 376,218 3,557,415 198,776
 415,017 379,928 3,177,487 196,834
415,017 383,676 2,793,811 194,912
415,017 387,460 2,406,351 193,008
415,017 391,282 2,015,069 191,123
415,017 395,141 1,619,927 189,256
415,017 399,039 1,220,888 187,407
415,017 402,975 817,913 185,577
415,017 406,950 410,964 183,764
415,017 410,964 0 181,969
28,000,000 28,000,000 VNA

negocio y un banco le ofrece una tasa EA del 11,5%

Calcule el valor de las cuotas mensuales si: Durante el
ante el periodo de gracia no se hace ningun pago

s mensuales uniformes a una tasa mensual del 1%.

00.000 semestrales. Calcule el valor de las cuotas
uniformes a una tasa mensual del 1%. Las cuotas de
ementan en un 6%. Calcule el valor de las cuotas
 CONVERSION DE UNA ANUALIDAD EN OTRA ANUALIDAD EQUIV

EJEMPLO
Se quiere financiar por completo la matricula de un estudiante de pregrado mediante un credito que sera desem
una duracion de 4 años y el costo del primer semestre sera de $6.000.000. Se estima ademas que este costo se
tendra un costo del 9,5%EA y se empezara a amortizar un semestre despues de que el estudiante se gradue. El c
5 años. Calcule el valor de las cuotas mensuales

Incremento Anual 6%
Costo Primer Semestre 6,000,000
Tasa EA 9.50%
Tasa SV 4.64%
VNA 44,732,534
Periodo Valor Presente
0 Semestre 1 6,000,000 6,000,000
1 Semestre 2 6,000,000 5,733,822
2 Semestre 3 6,360,000 5,808,219
3 Semestre 4 6,360,000 5,550,549
4 Semestre 5 6,741,600 5,622,568
5 Semestre 6 6,741,600 5,373,134
6 Semestre 7 7,146,096 5,442,852
7 Semestre 8 7,146,096 5,201,390
52,495,392 44,732,534

COSTO SEMESTRE 1 9,000,000

INCREMENTO ANUAL 6%
TASA EA 7.50%

NECESIDADES
SEMESTRE 1 9,000,000
SEMESTRE 2 9,000,000
SEMESTRE 3 9,540,000
SEMESTRE 4 9,540,000
SEMESTRE 5 10,112,400
SEMESTRE 6 10,112,400
SEMESTRE 7 10,719,144
SEMESTRE 8 10,719,144
78,743,088

FLUJO DE CAJA DETALLADO COMO COMPROBACION

MES SALDO INICIAL INTERESES AHORRO
 1 - - 635,020
2 635,020 3,839 635,020
3 1,273,878 7,700 635,020
4 1,916,598 11,586 635,020
5 2,563,204 15,494 635,020
6 3,213,718 19,427 635,020
7 3,868,164 23,383 635,020
8 4,526,566 27,363 635,020
9 5,188,949 31,367 635,020
10 5,855,335 35,395 635,020
11 6,525,750 39,448 635,020
12 7,200,217 43,525 635,020
13 7,878,762 47,626 635,020
14 8,561,408 51,753 635,020
15 9,248,180 55,905 635,020
16 9,939,105 60,081 635,020
17 10,634,205 64,283 635,020
18 11,333,508 68,510 635,020
19 12,037,038 72,763 635,020
20 12,744,820 77,041 635,020
21 13,456,881 81,346 635,020
22 14,173,247 85,676 635,020
23 14,893,943 90,033 635,020
24 15,618,995 94,416 635,020
25 16,348,430 98,825 635,020
26 17,082,275 103,261 635,020
27 17,820,555 107,724 635,020
28 18,563,299 112,214 635,020
29 19,310,532 116,731 635,020
30 20,062,283 121,275 635,020
31 20,818,577 125,847 635,020
32 21,579,443 130,446 635,020
33 22,344,909 135,073 635,020
34 23,115,002 139,728 635,020
35 23,889,750 144,412 635,020
36 24,669,181 149,123 635,020
37 25,453,324 153,863 635,020
38 26,242,207 158,632 635,020
39 27,035,859 163,430 635,020
40 27,834,308 168,256 635,020
41 28,637,584 173,112 635,020
42 29,445,715 177,997 635,020
43 30,258,732 182,912 635,020
44 31,076,663 187,856 635,020
45 31,899,539 192,830 635,020
46 32,727,389 197,834 635,020
47 33,560,243 202,869 635,020
48 34,398,131 207,934 635,020
49 35,241,085 213,030 635,020
50 36,089,134 218,156 635,020
51 36,942,310 223,313 635,020
52 37,800,643 228,502 635,020
53 38,664,164 233,722 635,020
54 39,532,905 238,973 635,020
55 40,406,898 244,256 635,020
56 41,286,174 249,572 635,020
57 42,170,766 254,919 635,020
58 43,060,704 260,298 635,020
59 43,956,022 265,711 635,020
60 44,856,753 271,155 635,020
61 36,762,928 222,229 635,020
62 37,620,176 227,411 635,020
63 38,482,607 232,624 635,020
64 39,350,251 237,869 635,020
65 40,223,140 243,146 635,020
66 41,101,305 248,454 635,020
67 32,984,779 199,390 635,020
68 33,819,189 204,434 635,020
69 34,658,643 209,509 635,020
70 35,503,171 214,614 635,020
71 36,352,804 219,750 635,020
72 37,207,574 224,917 635,020
73 28,527,510 172,446 635,020
74 29,334,976 177,328 635,020
75 30,147,324 182,238 635,020
76 30,964,581 187,178 635,020
77 31,786,779 192,149 635,020
78 32,613,948 197,149 635,020
79 23,906,116 144,511 635,020
80 24,685,646 149,223 635,020
81 25,469,889 153,963 635,020
82 26,258,872 158,733 635,020
83 27,052,624 163,531 635,020
84 27,851,175 168,358 635,020
85 18,542,152 112,086 635,020
86 19,289,258 116,602 635,020
87 20,040,880 121,145 635,020
88 20,797,045 125,716 635,020
89 21,557,781 130,315 635,020
90 22,323,116 134,941 635,020
 91 12,980,677 78,467 635,020
92 13,694,164 82,780 635,020
93 14,411,963 87,119 635,020
94 15,134,102 91,484 635,020
95 15,860,606 95,876 635,020
96 16,591,502 100,294 635,020
97 6,607,672 39,943 635,020
98 7,282,634 44,023 635,020
99 7,961,677 48,128 635,020
100 8,644,824 52,257 635,020
101 9,332,101 56,412 635,020
102 10,023,533 60,591 635,020
CONVERSION DE UNA ANUALIDAD EN OTRA ANUALIDAD EQUIVALENTE

un estudiante de pregrado mediante un credito que sera desembolsado al inicio de cada semestre. El pregrado tendra
estre sera de $6.000.000. Se estima ademas que este costo se incrementara anualmente a una tasa del 6%. El credito
rtizar un semestre despues de que el estudiante se gradue. El credito se amortizara con cuotas mensuales uniformes a

DEUDA CAPITALIZADA 9 SEMESTRES 67,295,657

NPER 60
TASA MENSUAL 0.7592%
PAGO 1,400,537

TASA SV 3.6822%
VP NECESIDAD 69,254,988

AHORRO MENSUAL
PERIODOS 60
TASA MENSUAL 0.6045%
PAGO 961,002

VP 48,240,159

CUOTA HASTA CUANDO EL ESTUDIANTE TERMINA EL PREGRADO

PERIODOS 102
PAGO CON VA 635,020
CUOTA CON VA NECESIDAD 635,020 - 0
60 CUOTAS $ 45,762,927.71
42 CUOTAS $ 23,492,059.82
$ 69,254,987.53

RETIROS SALDO FINAL

- 635,020
- 1,273,878
- 1,916,598
- 2,563,204
- 3,213,718
- 3,868,164
- 4,526,566
- 5,188,949
- 5,855,335
- 6,525,750
- 7,200,217
- 7,878,762
- 8,561,408
- 9,248,180
- 9,939,105
- 10,634,205
- 11,333,508
- 12,037,038
- 12,744,820
- 13,456,881
- 14,173,247
- 14,893,943
- 15,618,995
- 16,348,430
- 17,082,275
- 17,820,555
- 18,563,299
- 19,310,532
- 20,062,283
- 20,818,577
- 21,579,443
- 22,344,909
- 23,115,002
- 23,889,750
- 24,669,181
- 25,453,324
- 26,242,207
- 27,035,859
- 27,834,308
- 28,637,584
- 29,445,715
- 30,258,732
- 31,076,663
- 31,899,539
- 32,727,389
 - 33,560,243
- 34,398,131
- 35,241,085
- 36,089,134
- 36,942,310
- 37,800,643
- 38,664,164
- 39,532,905
- 40,406,898
- 41,286,174
- 42,170,766
- 43,060,704
- 43,956,022
- 44,856,753
9,000,000 36,762,928
- 37,620,176
- 38,482,607
- 39,350,251
- 40,223,140
- 41,101,305
9,000,000 32,984,779
- 33,819,189
- 34,658,643
- 35,503,171
- 36,352,804
- 37,207,574
9,540,000 28,527,510
- 29,334,976
- 30,147,324
- 30,964,581
- 31,786,779
- 32,613,948
9,540,000 23,906,116
- 24,685,646
- 25,469,889
- 26,258,872
- 27,052,624
- 27,851,175
10,112,400 18,542,152
- 19,289,258
- 20,040,880
- 20,797,045
- 21,557,781
- 22,323,116
10,112,400 12,980,677
 - 13,694,164
- 14,411,963
- 15,134,102
- 15,860,606
- 16,591,502
10,719,144 6,607,672
- 7,282,634
- 7,961,677
- 8,644,824
- 9,332,101
- 10,023,533
10,719,144 - 0
200,000
 MODELO AMORTIZACION LINEAL O CONSTANTE

CREDITO 25,000,000 TOT AMORT 25,000,000

TASA EA 12% VP CUOTAS 25,000,000
TASA MV 0.9489%
PLAZO 60
AM. CTE. 416,667 28.94%
7,235,205 25,000,000 32,235,205
MES SALDO INICIAL INTERESES AMORTIZACION CUOTA SALDO FINAL
1 25,000,000 237,220 416,667 653,886 24,583,333
2 24,583,333 233,266 416,667 649,933 24,166,667
3 24,166,667 229,312 416,667 645,979 23,750,000
4 23,750,000 225,359 416,667 642,025 23,333,333
5 23,333,333 221,405 416,667 638,072 22,916,667
6 22,916,667 217,452 416,667 634,118 22,500,000
7 22,500,000 213,498 416,667 630,165 22,083,333
8 22,083,333 209,544 416,667 626,211 21,666,667
9 21,666,667 205,591 416,667 622,257 21,250,000
10 21,250,000 201,637 416,667 618,304 20,833,333
11 20,833,333 197,683 416,667 614,350 20,416,667
12 20,416,667 193,730 416,667 610,396 20,000,000
13 20,000,000 189,776 416,667 606,443 19,583,333
14 19,583,333 185,822 416,667 602,489 19,166,667
15 19,166,667 181,869 416,667 598,535 18,750,000
16 18,750,000 177,915 416,667 594,582 18,333,333
17 18,333,333 173,961 416,667 590,628 17,916,667
18 17,916,667 170,008 416,667 586,674 17,500,000
19 17,500,000 166,054 416,667 582,721 17,083,333
20 17,083,333 162,100 416,667 578,767 16,666,667
21 16,666,667 158,147 416,667 574,813 16,250,000
22 16,250,000 154,193 416,667 570,860 15,833,333
23 15,833,333 150,239 416,667 566,906 15,416,667
24 15,416,667 146,286 416,667 562,952 15,000,000
25 15,000,000 142,332 416,667 558,999 14,583,333
26 14,583,333 138,378 416,667 555,045 14,166,667
27 14,166,667 134,425 416,667 551,091 13,750,000
28 13,750,000 130,471 416,667 547,138 13,333,333
29 13,333,333 126,517 416,667 543,184 12,916,667
30 12,916,667 122,564 416,667 539,230 12,500,000
31 12,500,000 118,610 416,667 535,277 12,083,333
32 12,083,333 114,656 416,667 531,323 11,666,667
33 11,666,667 110,703 416,667 527,369 11,250,000
34 11,250,000 106,749 416,667 523,416 10,833,333
35 10,833,333 102,795 416,667 519,462 10,416,667
36 10,416,667 98,842 416,667 515,508 10,000,000
 37 10,000,000 94,888 416,667 511,555 9,583,333
38 9,583,333 90,934 416,667 507,601 9,166,667
39 9,166,667 86,981 416,667 503,647 8,750,000
40 8,750,000 83,027 416,667 499,694 8,333,333
41 8,333,333 79,073 416,667 495,740 7,916,667
42 7,916,667 75,120 416,667 491,786 7,500,000
43 7,500,000 71,166 416,667 487,833 7,083,333
44 7,083,333 67,212 416,667 483,879 6,666,667
45 6,666,667 63,259 416,667 479,925 6,250,000
46 6,250,000 59,305 416,667 475,972 5,833,333
47 5,833,333 55,351 416,667 472,018 5,416,667
48 5,416,667 51,398 416,667 468,064 5,000,000
49 5,000,000 47,444 416,667 464,111 4,583,333
50 4,583,333 43,490 416,667 460,157 4,166,667
51 4,166,667 39,537 416,667 456,203 3,750,000
52 3,750,000 35,583 416,667 452,250 3,333,333
53 3,333,333 31,629 416,667 448,296 2,916,667
54 2,916,667 27,676 416,667 444,342 2,500,000
55 2,500,000 23,722 416,667 440,389 2,083,333
56 2,083,333 19,768 416,667 436,435 1,666,667
57 1,666,667 15,815 416,667 432,481 1,250,000
58 1,250,000 11,861 416,667 428,528 833,333
59 833,333 7,907 416,667 424,574 416,667
60 416,667 3,954 416,667 420,620 - 0

MODELO AMORTIZACION LINEAL O CONSTANTE

CREDITO 210,000,000 TOT AMORT 210,000,000

TASA EA 11.50% VP CUOTAS 210,000,000
TASA MV 0.9112%
PLAZO 180 ING MES MIN 10,267,617
AM. CTE. 1,166,667 82.47%
173,182,463 210,000,000 383,182,463
MES SALDO INICIAL INTERESES AMORTIZACION CUOTA SALDO FINAL
1 210,000,000 1,913,618 1,166,667 3,080,285 208,833,333
2 208,833,333 1,902,987 1,166,667 3,069,654 207,666,667
3 207,666,667 1,892,356 1,166,667 3,059,023 206,500,000
4 206,500,000 1,881,725 1,166,667 3,048,391 205,333,333
5 205,333,333 1,871,094 1,166,667 3,037,760 204,166,667
6 204,166,667 1,860,462 1,166,667 3,027,129 203,000,000
7 203,000,000 1,849,831 1,166,667 3,016,498 201,833,333
8 201,833,333 1,839,200 1,166,667 3,005,867 200,666,667
9 200,666,667 1,828,569 1,166,667 2,995,235 199,500,000
10 199,500,000 1,817,937 1,166,667 2,984,604 198,333,333
11 198,333,333 1,807,306 1,166,667 2,973,973 197,166,667
12 197,166,667 1,796,675 1,166,667 2,963,342 196,000,000
13 196,000,000 1,786,044 1,166,667 2,952,710 194,833,333
14 194,833,333 1,775,413 1,166,667 2,942,079 193,666,667
15 193,666,667 1,764,781 1,166,667 2,931,448 192,500,000
16 192,500,000 1,754,150 1,166,667 2,920,817 191,333,333
17 191,333,333 1,743,519 1,166,667 2,910,186 190,166,667
18 190,166,667 1,732,888 1,166,667 2,899,554 189,000,000
19 189,000,000 1,722,257 1,166,667 2,888,923 187,833,333
20 187,833,333 1,711,625 1,166,667 2,878,292 186,666,667
21 186,666,667 1,700,994 1,166,667 2,867,661 185,500,000
22 185,500,000 1,690,363 1,166,667 2,857,030 184,333,333
23 184,333,333 1,679,732 1,166,667 2,846,398 183,166,667
24 183,166,667 1,669,100 1,166,667 2,835,767 182,000,000
25 182,000,000 1,658,469 1,166,667 2,825,136 180,833,333
26 180,833,333 1,647,838 1,166,667 2,814,505 179,666,667
27 179,666,667 1,637,207 1,166,667 2,803,873 178,500,000
28 178,500,000 1,626,576 1,166,667 2,793,242 177,333,333
29 177,333,333 1,615,944 1,166,667 2,782,611 176,166,667
30 176,166,667 1,605,313 1,166,667 2,771,980 175,000,000
31 175,000,000 1,594,682 1,166,667 2,761,349 173,833,333
32 173,833,333 1,584,051 1,166,667 2,750,717 172,666,667
33 172,666,667 1,573,420 1,166,667 2,740,086 171,500,000
34 171,500,000 1,562,788 1,166,667 2,729,455 170,333,333
35 170,333,333 1,552,157 1,166,667 2,718,824 169,166,667
36 169,166,667 1,541,526 1,166,667 2,708,193 168,000,000
37 168,000,000 1,530,895 1,166,667 2,697,561 166,833,333
38 166,833,333 1,520,263 1,166,667 2,686,930 165,666,667
39 165,666,667 1,509,632 1,166,667 2,676,299 164,500,000
40 164,500,000 1,499,001 1,166,667 2,665,668 163,333,333
41 163,333,333 1,488,370 1,166,667 2,655,037 162,166,667
42 162,166,667 1,477,739 1,166,667 2,644,405 161,000,000
43 161,000,000 1,467,107 1,166,667 2,633,774 159,833,333
44 159,833,333 1,456,476 1,166,667 2,623,143 158,666,667
45 158,666,667 1,445,845 1,166,667 2,612,512 157,500,000
46 157,500,000 1,435,214 1,166,667 2,601,880 156,333,333
47 156,333,333 1,424,583 1,166,667 2,591,249 155,166,667
48 155,166,667 1,413,951 1,166,667 2,580,618 154,000,000
49 154,000,000 1,403,320 1,166,667 2,569,987 152,833,333
50 152,833,333 1,392,689 1,166,667 2,559,356 151,666,667
51 151,666,667 1,382,058 1,166,667 2,548,724 150,500,000
52 150,500,000 1,371,426 1,166,667 2,538,093 149,333,333
53 149,333,333 1,360,795 1,166,667 2,527,462 148,166,667
54 148,166,667 1,350,164 1,166,667 2,516,831 147,000,000
55 147,000,000 1,339,533 1,166,667 2,506,200 145,833,333
56 145,833,333 1,328,902 1,166,667 2,495,568 144,666,667
 57 144,666,667 1,318,270 1,166,667 2,484,937 143,500,000
58 143,500,000 1,307,639 1,166,667 2,474,306 142,333,333
59 142,333,333 1,297,008 1,166,667 2,463,675 141,166,667
60 141,166,667 1,286,377 1,166,667 2,453,043 140,000,000
61 140,000,000 1,275,746 1,166,667 2,442,412 138,833,333
62 138,833,333 1,265,114 1,166,667 2,431,781 137,666,667
63 137,666,667 1,254,483 1,166,667 2,421,150 136,500,000
64 136,500,000 1,243,852 1,166,667 2,410,519 135,333,333
65 135,333,333 1,233,221 1,166,667 2,399,887 134,166,667
66 134,166,667 1,222,590 1,166,667 2,389,256 133,000,000
67 133,000,000 1,211,958 1,166,667 2,378,625 131,833,333
68 131,833,333 1,201,327 1,166,667 2,367,994 130,666,667
69 130,666,667 1,190,696 1,166,667 2,357,363 129,500,000
70 129,500,000 1,180,065 1,166,667 2,346,731 128,333,333
71 128,333,333 1,169,433 1,166,667 2,336,100 127,166,667
72 127,166,667 1,158,802 1,166,667 2,325,469 126,000,000
73 126,000,000 1,148,171 1,166,667 2,314,838 124,833,333
74 124,833,333 1,137,540 1,166,667 2,304,206 123,666,667
75 123,666,667 1,126,909 1,166,667 2,293,575 122,500,000
76 122,500,000 1,116,277 1,166,667 2,282,944 121,333,333
77 121,333,333 1,105,646 1,166,667 2,272,313 120,166,667
78 120,166,667 1,095,015 1,166,667 2,261,682 119,000,000
79 119,000,000 1,084,384 1,166,667 2,251,050 117,833,333
80 117,833,333 1,073,753 1,166,667 2,240,419 116,666,667
81 116,666,667 1,063,121 1,166,667 2,229,788 115,500,000
82 115,500,000 1,052,490 1,166,667 2,219,157 114,333,333
83 114,333,333 1,041,859 1,166,667 2,208,526 113,166,667
84 113,166,667 1,031,228 1,166,667 2,197,894 112,000,000
85 112,000,000 1,020,596 1,166,667 2,187,263 110,833,333
86 110,833,333 1,009,965 1,166,667 2,176,632 109,666,667
87 109,666,667 999,334 1,166,667 2,166,001 108,500,000
88 108,500,000 988,703 1,166,667 2,155,369 107,333,333
89 107,333,333 978,072 1,166,667 2,144,738 106,166,667
90 106,166,667 967,440 1,166,667 2,134,107 105,000,000
91 105,000,000 956,809 1,166,667 2,123,476 103,833,333
92 103,833,333 946,178 1,166,667 2,112,845 102,666,667
93 102,666,667 935,547 1,166,667 2,102,213 101,500,000
94 101,500,000 924,916 1,166,667 2,091,582 100,333,333
95 100,333,333 914,284 1,166,667 2,080,951 99,166,667
96 99,166,667 903,653 1,166,667 2,070,320 98,000,000
97 98,000,000 893,022 1,166,667 2,059,689 96,833,333
98 96,833,333 882,391 1,166,667 2,049,057 95,666,667
99 95,666,667 871,759 1,166,667 2,038,426 94,500,000
100 94,500,000 861,128 1,166,667 2,027,795 93,333,333
101 93,333,333 850,497 1,166,667 2,017,164 92,166,667
102 92,166,667 839,866 1,166,667 2,006,533 91,000,000
103 91,000,000 829,235 1,166,667 1,995,901 89,833,333
104 89,833,333 818,603 1,166,667 1,985,270 88,666,667
105 88,666,667 807,972 1,166,667 1,974,639 87,500,000
106 87,500,000 797,341 1,166,667 1,964,008 86,333,333
107 86,333,333 786,710 1,166,667 1,953,376 85,166,667
108 85,166,667 776,079 1,166,667 1,942,745 84,000,000
109 84,000,000 765,447 1,166,667 1,932,114 82,833,333
110 82,833,333 754,816 1,166,667 1,921,483 81,666,667
111 81,666,667 744,185 1,166,667 1,910,852 80,500,000
112 80,500,000 733,554 1,166,667 1,900,220 79,333,333
113 79,333,333 722,922 1,166,667 1,889,589 78,166,667
114 78,166,667 712,291 1,166,667 1,878,958 77,000,000
115 77,000,000 701,660 1,166,667 1,868,327 75,833,333
116 75,833,333 691,029 1,166,667 1,857,696 74,666,667
117 74,666,667 680,398 1,166,667 1,847,064 73,500,000
118 73,500,000 669,766 1,166,667 1,836,433 72,333,333
119 72,333,333 659,135 1,166,667 1,825,802 71,166,667
120 71,166,667 648,504 1,166,667 1,815,171 70,000,000
121 70,000,000 637,873 1,166,667 1,804,539 68,833,333
122 68,833,333 627,242 1,166,667 1,793,908 67,666,667
123 67,666,667 616,610 1,166,667 1,783,277 66,500,000
124 66,500,000 605,979 1,166,667 1,772,646 65,333,333
125 65,333,333 595,348 1,166,667 1,762,015 64,166,667
126 64,166,667 584,717 1,166,667 1,751,383 63,000,000
127 63,000,000 574,086 1,166,667 1,740,752 61,833,333
128 61,833,333 563,454 1,166,667 1,730,121 60,666,667
129 60,666,667 552,823 1,166,667 1,719,490 59,500,000
130 59,500,000 542,192 1,166,667 1,708,859 58,333,333
131 58,333,333 531,561 1,166,667 1,698,227 57,166,667
132 57,166,667 520,929 1,166,667 1,687,596 56,000,000
133 56,000,000 510,298 1,166,667 1,676,965 54,833,333
134 54,833,333 499,667 1,166,667 1,666,334 53,666,667
135 53,666,667 489,036 1,166,667 1,655,702 52,500,000
136 52,500,000 478,405 1,166,667 1,645,071 51,333,333
137 51,333,333 467,773 1,166,667 1,634,440 50,166,667
138 50,166,667 457,142 1,166,667 1,623,809 49,000,000
139 49,000,000 446,511 1,166,667 1,613,178 47,833,333
140 47,833,333 435,880 1,166,667 1,602,546 46,666,667
141 46,666,667 425,249 1,166,667 1,591,915 45,500,000
142 45,500,000 414,617 1,166,667 1,581,284 44,333,333
143 44,333,333 403,986 1,166,667 1,570,653 43,166,667
144 43,166,667 393,355 1,166,667 1,560,022 42,000,000
145 42,000,000 382,724 1,166,667 1,549,390 40,833,333
146 40,833,333 372,092 1,166,667 1,538,759 39,666,667
147 39,666,667 361,461 1,166,667 1,528,128 38,500,000
148 38,500,000 350,830 1,166,667 1,517,497 37,333,333
149 37,333,333 340,199 1,166,667 1,506,865 36,166,667
150 36,166,667 329,568 1,166,667 1,496,234 35,000,000
151 35,000,000 318,936 1,166,667 1,485,603 33,833,333
152 33,833,333 308,305 1,166,667 1,474,972 32,666,667
153 32,666,667 297,674 1,166,667 1,464,341 31,500,000
154 31,500,000 287,043 1,166,667 1,453,709 30,333,333
155 30,333,333 276,412 1,166,667 1,443,078 29,166,667
156 29,166,667 265,780 1,166,667 1,432,447 28,000,000
157 28,000,000 255,149 1,166,667 1,421,816 26,833,333
158 26,833,333 244,518 1,166,667 1,411,185 25,666,667
159 25,666,667 233,887 1,166,667 1,400,553 24,500,000
160 24,500,000 223,255 1,166,667 1,389,922 23,333,333
161 23,333,333 212,624 1,166,667 1,379,291 22,166,667
162 22,166,667 201,993 1,166,667 1,368,660 21,000,000
163 21,000,000 191,362 1,166,667 1,358,029 19,833,333
164 19,833,333 180,731 1,166,667 1,347,397 18,666,667
165 18,666,667 170,099 1,166,667 1,336,766 17,500,000
166 17,500,000 159,468 1,166,667 1,326,135 16,333,333
167 16,333,333 148,837 1,166,667 1,315,504 15,166,667
168 15,166,667 138,206 1,166,667 1,304,872 14,000,000
169 14,000,000 127,575 1,166,667 1,294,241 12,833,333
170 12,833,333 116,943 1,166,667 1,283,610 11,666,667
171 11,666,667 106,312 1,166,667 1,272,979 10,500,000
172 10,500,000 95,681 1,166,667 1,262,348 9,333,333
173 9,333,333 85,050 1,166,667 1,251,716 8,166,667
174 8,166,667 74,418 1,166,667 1,241,085 7,000,000
175 7,000,000 63,787 1,166,667 1,230,454 5,833,333
176 5,833,333 53,156 1,166,667 1,219,823 4,666,667
177 4,666,667 42,525 1,166,667 1,209,192 3,500,000
178 3,500,000 31,894 1,166,667 1,198,560 2,333,333
179 2,333,333 21,262 1,166,667 1,187,929 1,166,667
180 1,166,667 10,631 1,166,667 1,177,298 0
 MODELO CUOTA FIJA O ANUALIDAD

CREDITO 25,000,000 TOT AMORT 25,000,000

TASA EA 12% VP CUOTAS 25,000,000
TASA MV 0.9489%
PLAZO 60
CUOTA FIJA 548,392 31.61%
7,903,544 25,000,000 32,903,544
MES SALDO INICIAL INTERESES AMORTIZACION CUOTA SALDO FINAL
1 25,000,000 237,220 311,173 548,392 24,688,827
2 24,688,827 234,267 314,125 548,392 24,374,702
3 24,374,702 231,287 317,106 548,392 24,057,596
4 24,057,596 228,278 320,115 548,392 23,737,481
5 23,737,481 225,240 323,152 548,392 23,414,329
6 23,414,329 222,174 326,219 548,392 23,088,110
7 23,088,110 219,078 329,314 548,392 22,758,796
8 22,758,796 215,954 332,439 548,392 22,426,357
9 22,426,357 212,799 335,593 548,392 22,090,764
10 22,090,764 209,615 338,778 548,392 21,751,986
11 21,751,986 206,400 341,992 548,392 21,409,994
12 21,409,994 203,155 345,237 548,392 21,064,757
13 21,064,757 199,879 348,513 548,392 20,716,243
14 20,716,243 196,572 351,820 548,392 20,364,423
15 20,364,423 193,234 355,159 548,392 20,009,265
16 20,009,265 189,864 358,529 548,392 19,650,736
17 19,650,736 186,462 361,931 548,392 19,288,805
18 19,288,805 183,027 365,365 548,392 18,923,440
19 18,923,440 179,561 368,832 548,392 18,554,609
20 18,554,609 176,061 372,332 548,392 18,182,277
21 18,182,277 172,528 375,865 548,392 17,806,413
22 17,806,413 168,961 379,431 548,392 17,426,981
23 17,426,981 165,361 383,031 548,392 17,043,950
24 17,043,950 161,727 386,666 548,392 16,657,284
25 16,657,284 158,058 390,335 548,392 16,266,949
26 16,266,949 154,354 394,039 548,392 15,872,911
27 15,872,911 150,615 397,778 548,392 15,475,133
28 15,475,133 146,840 401,552 548,392 15,073,581
29 15,073,581 143,030 405,362 548,392 14,668,219
30 14,668,219 139,184 409,209 548,392 14,259,010
31 14,259,010 135,301 413,092 548,392 13,845,918
32 13,845,918 131,381 417,011 548,392 13,428,907
33 13,428,907 127,424 420,968 548,392 13,007,939
34 13,007,939 123,430 424,963 548,392 12,582,976
35 12,582,976 119,397 428,995 548,392 12,153,981
36 12,153,981 115,327 433,066 548,392 11,720,915
 37 11,720,915 111,217 437,175 548,392 11,283,740
38 11,283,740 107,069 441,323 548,392 10,842,417
39 10,842,417 102,881 445,511 548,392 10,396,906
40 10,396,906 98,654 449,738 548,392 9,947,167
41 9,947,167 94,387 454,006 548,392 9,493,162
42 9,493,162 90,079 458,314 548,392 9,034,848
43 9,034,848 85,730 462,663 548,392 8,572,185
44 8,572,185 81,340 467,053 548,392 8,105,133
45 8,105,133 76,908 471,484 548,392 7,633,648
46 7,633,648 72,434 475,958 548,392 7,157,690
47 7,157,690 67,918 480,475 548,392 6,677,215
48 6,677,215 63,359 485,034 548,392 6,192,182
49 6,192,182 58,756 489,636 548,392 5,702,545
50 5,702,545 54,110 494,282 548,392 5,208,263
51 5,208,263 49,420 498,972 548,392 4,709,291
52 4,709,291 44,685 503,707 548,392 4,205,584
53 4,205,584 39,906 508,486 548,392 3,697,098
54 3,697,098 35,081 513,311 548,392 3,183,786
55 3,183,786 30,210 518,182 548,392 2,665,604
56 2,665,604 25,293 523,099 548,392 2,142,505
57 2,142,505 20,330 528,063 548,392 1,614,443
58 1,614,443 15,319 533,073 548,392 1,081,369
59 1,081,369 10,261 538,132 548,392 543,238
60 543,238 5,155 543,238 548,392 0

MODELO CUOTA FIJA O ANUALIDAD

CREDITO 210,000,000 TOT AMORT 210,000,000

TASA EA 11.50% VP CUOTAS 210,000,000
TASA MV 0.9112%
PLAZO 180 ING MES MIN 7,927,614
CUOTA FIJA 2,378,284 103.85%
218,091,157 210,000,000 428,091,157
MES SALDO INICIAL INTERESES AMORTIZACION CUOTA SALDO FINAL
1 210,000,000 1,913,618 464,666 2,378,284 209,535,334
2 209,535,334 1,909,384 468,900 2,378,284 209,066,434
3 209,066,434 1,905,111 473,173 2,378,284 208,593,261
4 208,593,261 1,900,800 477,485 2,378,284 208,115,776
5 208,115,776 1,896,448 481,836 2,378,284 207,633,941
6 207,633,941 1,892,058 486,226 2,378,284 207,147,714
7 207,147,714 1,887,627 490,657 2,378,284 206,657,057
8 206,657,057 1,883,156 495,128 2,378,284 206,161,929
9 206,161,929 1,878,644 499,640 2,378,284 205,662,289
10 205,662,289 1,874,091 504,193 2,378,284 205,158,095
11 205,158,095 1,869,497 508,788 2,378,284 204,649,308
12 204,649,308 1,864,860 513,424 2,378,284 204,135,884
13 204,135,884 1,860,182 518,102 2,378,284 203,617,782
14 203,617,782 1,855,461 522,824 2,378,284 203,094,958
15 203,094,958 1,850,696 527,588 2,378,284 202,567,370
16 202,567,370 1,845,889 532,395 2,378,284 202,034,975
17 202,034,975 1,841,037 537,247 2,378,284 201,497,728
18 201,497,728 1,836,142 542,143 2,378,284 200,955,585
19 200,955,585 1,831,201 547,083 2,378,284 200,408,503
20 200,408,503 1,826,216 552,068 2,378,284 199,856,435
21 199,856,435 1,821,185 557,099 2,378,284 199,299,336
22 199,299,336 1,816,109 562,175 2,378,284 198,737,161
23 198,737,161 1,810,986 567,298 2,378,284 198,169,862
24 198,169,862 1,805,817 572,468 2,378,284 197,597,395
25 197,597,395 1,800,600 577,684 2,378,284 197,019,711
26 197,019,711 1,795,336 582,948 2,378,284 196,436,762
27 196,436,762 1,790,024 588,260 2,378,284 195,848,502
28 195,848,502 1,784,663 593,621 2,378,284 195,254,881
29 195,254,881 1,779,254 599,030 2,378,284 194,655,851
30 194,655,851 1,773,795 604,489 2,378,284 194,051,362
31 194,051,362 1,768,287 609,997 2,378,284 193,441,365
32 193,441,365 1,762,728 615,556 2,378,284 192,825,809
33 192,825,809 1,757,119 621,165 2,378,284 192,204,644
34 192,204,644 1,751,459 626,825 2,378,284 191,577,818
35 191,577,818 1,745,747 632,537 2,378,284 190,945,281
36 190,945,281 1,739,983 638,301 2,378,284 190,306,979
37 190,306,979 1,734,166 644,118 2,378,284 189,662,862
38 189,662,862 1,728,297 649,987 2,378,284 189,012,874
39 189,012,874 1,722,374 655,910 2,378,284 188,356,964
40 188,356,964 1,716,397 661,887 2,378,284 187,695,077
41 187,695,077 1,710,365 667,919 2,378,284 187,027,158
42 187,027,158 1,704,279 674,005 2,378,284 186,353,153
43 186,353,153 1,698,137 680,147 2,378,284 185,673,006
44 185,673,006 1,691,939 686,345 2,378,284 184,986,661
45 184,986,661 1,685,685 692,599 2,378,284 184,294,062
46 184,294,062 1,679,374 698,910 2,378,284 183,595,151
47 183,595,151 1,673,005 705,279 2,378,284 182,889,872
48 182,889,872 1,666,578 711,706 2,378,284 182,178,166
49 182,178,166 1,660,093 718,191 2,378,284 181,459,975
50 181,459,975 1,653,548 724,736 2,378,284 180,735,239
51 180,735,239 1,646,944 731,340 2,378,284 180,003,899
52 180,003,899 1,640,280 738,004 2,378,284 179,265,894
53 179,265,894 1,633,555 744,729 2,378,284 178,521,165
54 178,521,165 1,626,768 751,516 2,378,284 177,769,649
55 177,769,649 1,619,920 758,364 2,378,284 177,011,285
56 177,011,285 1,613,010 765,274 2,378,284 176,246,011
 57 176,246,011 1,606,036 772,248 2,378,284 175,473,763
58 175,473,763 1,598,999 779,285 2,378,284 174,694,478
59 174,694,478 1,591,898 786,386 2,378,284 173,908,092
60 173,908,092 1,584,732 793,552 2,378,284 173,114,539
61 173,114,539 1,577,501 800,783 2,378,284 172,313,756
62 172,313,756 1,570,204 808,081 2,378,284 171,505,675
63 171,505,675 1,562,840 815,444 2,378,284 170,690,231
64 170,690,231 1,555,409 822,875 2,378,284 169,867,356
65 169,867,356 1,547,911 830,373 2,378,284 169,036,983
66 169,036,983 1,540,344 837,940 2,378,284 168,199,043
67 168,199,043 1,532,708 845,576 2,378,284 167,353,467
68 167,353,467 1,525,003 853,281 2,378,284 166,500,186
69 166,500,186 1,517,228 861,057 2,378,284 165,639,130
70 165,639,130 1,509,381 868,903 2,378,284 164,770,227
71 164,770,227 1,501,463 876,821 2,378,284 163,893,406
72 163,893,406 1,493,473 884,811 2,378,284 163,008,596
73 163,008,596 1,485,411 892,874 2,378,284 162,115,722
74 162,115,722 1,477,274 901,010 2,378,284 161,214,712
75 161,214,712 1,469,064 909,220 2,378,284 160,305,492
76 160,305,492 1,460,779 917,505 2,378,284 159,387,987
77 159,387,987 1,452,418 925,866 2,378,284 158,462,120
78 158,462,120 1,443,981 934,303 2,378,284 157,527,817
79 157,527,817 1,435,467 942,817 2,378,284 156,585,000
80 156,585,000 1,426,876 951,408 2,378,284 155,633,592
81 155,633,592 1,418,206 960,078 2,378,284 154,673,514
82 154,673,514 1,409,458 968,827 2,378,284 153,704,687
83 153,704,687 1,400,629 977,655 2,378,284 152,727,032
84 152,727,032 1,391,720 986,564 2,378,284 151,740,468
85 151,740,468 1,382,730 995,554 2,378,284 150,744,914
86 150,744,914 1,373,658 1,004,626 2,378,284 149,740,288
87 149,740,288 1,364,504 1,013,781 2,378,284 148,726,508
88 148,726,508 1,355,266 1,023,019 2,378,284 147,703,489
89 147,703,489 1,345,943 1,032,341 2,378,284 146,671,148
90 146,671,148 1,336,536 1,041,748 2,378,284 145,629,400
91 145,629,400 1,327,043 1,051,241 2,378,284 144,578,159
92 144,578,159 1,317,464 1,060,820 2,378,284 143,517,339
93 143,517,339 1,307,797 1,070,487 2,378,284 142,446,852
94 142,446,852 1,298,042 1,080,242 2,378,284 141,366,610
95 141,366,610 1,288,199 1,090,085 2,378,284 140,276,525
96 140,276,525 1,278,265 1,100,019 2,378,284 139,176,506
97 139,176,506 1,268,242 1,110,043 2,378,284 138,066,463
98 138,066,463 1,258,126 1,120,158 2,378,284 136,946,305
99 136,946,305 1,247,919 1,130,365 2,378,284 135,815,940
100 135,815,940 1,237,618 1,140,666 2,378,284 134,675,274
101 134,675,274 1,227,224 1,151,060 2,378,284 133,524,214
102 133,524,214 1,216,735 1,161,549 2,378,284 132,362,665
103 132,362,665 1,206,151 1,172,134 2,378,284 131,190,532
104 131,190,532 1,195,470 1,182,815 2,378,284 130,007,717
105 130,007,717 1,184,691 1,193,593 2,378,284 128,814,124
106 128,814,124 1,173,815 1,204,470 2,378,284 127,609,655
107 127,609,655 1,162,839 1,215,445 2,378,284 126,394,209
108 126,394,209 1,151,763 1,226,521 2,378,284 125,167,688
109 125,167,688 1,140,587 1,237,698 2,378,284 123,929,991
110 123,929,991 1,129,308 1,248,976 2,378,284 122,681,015
111 122,681,015 1,117,927 1,260,357 2,378,284 121,420,657
112 121,420,657 1,106,442 1,271,842 2,378,284 120,148,815
113 120,148,815 1,094,852 1,283,432 2,378,284 118,865,383
114 118,865,383 1,083,157 1,295,127 2,378,284 117,570,256
115 117,570,256 1,071,355 1,306,929 2,378,284 116,263,327
116 116,263,327 1,059,446 1,318,838 2,378,284 114,944,489
117 114,944,489 1,047,428 1,330,856 2,378,284 113,613,633
118 113,613,633 1,035,301 1,342,984 2,378,284 112,270,649
119 112,270,649 1,023,063 1,355,221 2,378,284 110,915,428
120 110,915,428 1,010,713 1,367,571 2,378,284 109,547,857
121 109,547,857 998,251 1,380,033 2,378,284 108,167,824
122 108,167,824 985,676 1,392,608 2,378,284 106,775,216
123 106,775,216 972,986 1,405,298 2,378,284 105,369,917
124 105,369,917 960,180 1,418,104 2,378,284 103,951,813
125 103,951,813 947,258 1,431,027 2,378,284 102,520,786
126 102,520,786 934,217 1,444,067 2,378,284 101,076,720
127 101,076,720 921,058 1,457,226 2,378,284 99,619,494
128 99,619,494 907,779 1,470,505 2,378,284 98,148,989
129 98,148,989 894,380 1,483,905 2,378,284 96,665,084
130 96,665,084 880,858 1,497,427 2,378,284 95,167,658
131 95,167,658 867,212 1,511,072 2,378,284 93,656,586
132 93,656,586 853,443 1,524,842 2,378,284 92,131,744
133 92,131,744 839,548 1,538,737 2,378,284 90,593,008
134 90,593,008 825,526 1,552,758 2,378,284 89,040,249
135 89,040,249 811,376 1,566,908 2,378,284 87,473,342
136 87,473,342 797,098 1,581,186 2,378,284 85,892,156
137 85,892,156 782,690 1,595,595 2,378,284 84,296,561
138 84,296,561 768,150 1,610,134 2,378,284 82,686,426
139 82,686,426 753,477 1,624,807 2,378,284 81,061,620
140 81,061,620 738,671 1,639,613 2,378,284 79,422,007
141 79,422,007 723,731 1,654,554 2,378,284 77,767,453
142 77,767,453 708,653 1,669,631 2,378,284 76,097,823
143 76,097,823 693,439 1,684,845 2,378,284 74,412,977
144 74,412,977 678,086 1,700,198 2,378,284 72,712,779
145 72,712,779 662,593 1,715,691 2,378,284 70,997,088
146 70,997,088 646,959 1,731,325 2,378,284 69,265,762
147 69,265,762 631,182 1,747,102 2,378,284 67,518,660
148 67,518,660 615,262 1,763,023 2,378,284 65,755,638
149 65,755,638 599,196 1,779,088 2,378,284 63,976,550
150 63,976,550 582,984 1,795,300 2,378,284 62,181,250
151 62,181,250 566,625 1,811,660 2,378,284 60,369,590
152 60,369,590 550,116 1,828,168 2,378,284 58,541,422
153 58,541,422 533,457 1,844,827 2,378,284 56,696,594
154 56,696,594 516,646 1,861,638 2,378,284 54,834,956
155 54,834,956 499,682 1,878,602 2,378,284 52,956,354
156 52,956,354 482,563 1,895,721 2,378,284 51,060,633
157 51,060,633 465,288 1,912,996 2,378,284 49,147,637
158 49,147,637 447,856 1,930,428 2,378,284 47,217,209
159 47,217,209 430,265 1,948,019 2,378,284 45,269,190
160 45,269,190 412,514 1,965,770 2,378,284 43,303,420
161 43,303,420 394,601 1,983,683 2,378,284 41,319,737
162 41,319,737 376,525 2,001,759 2,378,284 39,317,977
163 39,317,977 358,284 2,020,000 2,378,284 37,297,977
164 37,297,977 339,877 2,038,408 2,378,284 35,259,569
165 35,259,569 321,302 2,056,982 2,378,284 33,202,587
166 33,202,587 302,558 2,075,727 2,378,284 31,126,860
167 31,126,860 283,643 2,094,642 2,378,284 29,032,219
168 29,032,219 264,555 2,113,729 2,378,284 26,918,490
169 26,918,490 245,294 2,132,990 2,378,284 24,785,499
170 24,785,499 225,857 2,152,427 2,378,284 22,633,072
171 22,633,072 206,243 2,172,041 2,378,284 20,461,031
172 20,461,031 186,450 2,191,834 2,378,284 18,269,197
173 18,269,197 166,477 2,211,807 2,378,284 16,057,391
174 16,057,391 146,322 2,231,962 2,378,284 13,825,429
175 13,825,429 125,984 2,252,300 2,378,284 11,573,129
176 11,573,129 105,460 2,272,824 2,378,284 9,300,304
177 9,300,304 84,749 2,293,535 2,378,284 7,006,769
178 7,006,769 63,849 2,314,435 2,378,284 4,692,333
179 4,692,333 42,759 2,335,525 2,378,284 2,356,808
180 2,356,808 21,476 2,356,808 2,378,284 - 0
 MODELO GRADIENTE GEOMETRICO

CREDITO 210,000,000 TOT AMORT 210,000,000

TASA EA 11.50% VP CUOTAS 210,000,000
TASA MV 0.9112% ING MES MIN 5,939,224
PLAZO 180 IPC ANUAL 5.00%
CUOTA UNO 1,781,767 124.69% IPC MENSUAL 0.4074%
261,855,752 210,000,000 471,855,752
MES SALDO INICIAL INTERESES AMORTIZACION CUOTA SALDO FINAL
1 210,000,000 1,913,618 - 131,851 1,781,767 210,131,851
2 210,131,851 1,914,820 - 125,794 1,789,026 210,257,645
3 210,257,645 1,915,966 - 119,651 1,796,315 210,377,296
4 210,377,296 1,917,056 - 113,423 1,803,633 210,490,719
5 210,490,719 1,918,090 - 107,108 1,810,982 210,597,828
6 210,597,828 1,919,066 - 100,706 1,818,360 210,698,534
7 210,698,534 1,919,984 - 94,216 1,825,768 210,792,750
8 210,792,750 1,920,842 - 87,636 1,833,206 210,880,386
9 210,880,386 1,921,641 - 80,966 1,840,675 210,961,351
10 210,961,351 1,922,379 - 74,204 1,848,174 211,035,556
11 211,035,556 1,923,055 - 67,351 1,855,704 211,102,907
12 211,102,907 1,923,669 - 60,404 1,863,264 211,163,311
13 211,163,311 1,924,219 - 53,364 1,870,855 211,216,674
14 211,216,674 1,924,705 - 46,228 1,878,478 211,262,902
15 211,262,902 1,925,127 - 38,996 1,886,131 211,301,898
16 211,301,898 1,925,482 - 31,667 1,893,815 211,333,565
17 211,333,565 1,925,770 - 24,240 1,901,531 211,357,805
18 211,357,805 1,925,991 - 16,714 1,909,278 211,374,518
19 211,374,518 1,926,144 - 9,087 1,917,056 211,383,605
20 211,383,605 1,926,226 - 1,360 1,924,867 211,384,965
21 211,384,965 1,926,239 6,470 1,932,709 211,378,495
22 211,378,495 1,926,180 14,403 1,940,583 211,364,092
23 211,364,092 1,926,049 22,441 1,948,489 211,341,652
24 211,341,652 1,925,844 30,583 1,956,428 211,311,068
25 211,311,068 1,925,565 38,833 1,964,398 211,272,235
26 211,272,235 1,925,212 47,190 1,972,401 211,225,045
27 211,225,045 1,924,782 55,656 1,980,437 211,169,390
28 211,169,390 1,924,274 64,231 1,988,506 211,105,158
29 211,105,158 1,923,689 72,918 1,996,607 211,032,240
30 211,032,240 1,923,025 81,717 2,004,742 210,950,523
31 210,950,523 1,922,280 90,629 2,012,909 210,859,894
32 210,859,894 1,921,454 99,656 2,021,110 210,760,238
33 210,760,238 1,920,546 108,798 2,029,344 210,651,440
34 210,651,440 1,919,555 118,057 2,037,612 210,533,382
35 210,533,382 1,918,479 127,435 2,045,914 210,405,948
36 210,405,948 1,917,318 136,931 2,054,249 210,269,016
37 210,269,016 1,916,070 146,548 2,062,618 210,122,468
38 210,122,468 1,914,734 156,287 2,071,022 209,966,181
39 209,966,181 1,913,310 166,149 2,079,459 209,800,032
40 209,800,032 1,911,796 176,135 2,087,931 209,623,897
41 209,623,897 1,910,191 186,246 2,096,438 209,437,650
42 209,437,650 1,908,494 196,485 2,104,979 209,241,166
43 209,241,166 1,906,704 206,851 2,113,555 209,034,315
44 209,034,315 1,904,819 217,347 2,122,166 208,816,968
45 208,816,968 1,902,838 227,973 2,130,812 208,588,994
46 208,588,994 1,900,761 238,732 2,139,493 208,350,262
47 208,350,262 1,898,585 249,624 2,148,209 208,100,638
48 208,100,638 1,896,310 260,651 2,156,961 207,839,987
49 207,839,987 1,893,935 271,814 2,165,749 207,568,173
50 207,568,173 1,891,458 283,114 2,174,573 207,285,059
51 207,285,059 1,888,879 294,554 2,183,432 206,990,506
52 206,990,506 1,886,194 306,133 2,192,328 206,684,373
53 206,684,373 1,883,405 317,855 2,201,259 206,366,518
54 206,366,518 1,880,508 329,719 2,210,228 206,036,799
55 206,036,799 1,877,504 341,729 2,219,232 205,695,070
56 205,695,070 1,874,390 353,884 2,228,274 205,341,186
 57 205,341,186 1,871,165 366,187 2,237,352 204,974,999
58 204,974,999 1,867,828 378,639 2,246,467 204,596,360
59 204,596,360 1,864,378 391,242 2,255,620 204,205,118
60 204,205,118 1,860,813 403,997 2,264,809 203,801,121
61 203,801,121 1,857,131 416,905 2,274,037 203,384,216
62 203,384,216 1,853,332 429,969 2,283,301 202,954,247
63 202,954,247 1,849,414 443,189 2,292,604 202,511,058
64 202,511,058 1,845,376 456,568 2,301,944 202,054,489
65 202,054,489 1,841,215 470,107 2,311,322 201,584,382
66 201,584,382 1,836,931 483,808 2,320,739 201,100,574
67 201,100,574 1,832,523 497,671 2,330,194 200,602,903
68 200,602,903 1,827,988 511,700 2,339,688 200,091,203
69 200,091,203 1,823,325 525,895 2,349,220 199,565,308
70 199,565,308 1,818,533 540,258 2,358,791 199,025,050
71 199,025,050 1,813,609 554,791 2,368,401 198,470,259
72 198,470,259 1,808,554 569,496 2,378,050 197,900,763
73 197,900,763 1,803,364 584,374 2,387,738 197,316,389
74 197,316,389 1,798,039 599,427 2,397,466 196,716,962
75 196,716,962 1,792,577 614,657 2,407,234 196,102,305
76 196,102,305 1,786,976 630,065 2,417,041 195,472,240
77 195,472,240 1,781,235 645,654 2,426,889 194,826,586
78 194,826,586 1,775,351 661,425 2,436,776 194,165,161
79 194,165,161 1,769,324 677,380 2,446,704 193,487,782
80 193,487,782 1,763,151 693,521 2,456,672 192,794,261
81 192,794,261 1,756,832 709,849 2,466,681 192,084,412
82 192,084,412 1,750,363 726,367 2,476,730 191,358,045
83 191,358,045 1,743,744 743,077 2,486,821 190,614,968
84 190,614,968 1,736,973 759,979 2,496,952 189,854,989
85 189,854,989 1,730,048 777,078 2,507,125 189,077,911
86 189,077,911 1,722,966 794,373 2,517,340 188,283,538
87 188,283,538 1,715,728 811,868 2,527,596 187,471,670
88 187,471,670 1,708,330 829,564 2,537,893 186,642,107
89 186,642,107 1,700,770 847,463 2,548,233 185,794,644
90 185,794,644 1,693,048 865,567 2,558,615 184,929,077
91 184,929,077 1,685,160 883,879 2,569,039 184,045,199
92 184,045,199 1,677,106 902,399 2,579,505 183,142,799
93 183,142,799 1,668,883 921,132 2,590,015 182,221,667
94 182,221,667 1,660,489 940,078 2,600,567 181,281,590
95 181,281,590 1,651,923 959,239 2,611,162 180,322,351
96 180,322,351 1,643,182 978,618 2,621,800 179,343,733
97 179,343,733 1,634,264 998,217 2,632,482 178,345,515
98 178,345,515 1,625,168 1,018,039 2,643,207 177,327,477
99 177,327,477 1,615,891 1,038,084 2,653,975 176,289,392
100 176,289,392 1,606,432 1,058,356 2,664,788 175,231,036
101 175,231,036 1,596,787 1,078,857 2,675,645 174,152,178
102 174,152,178 1,586,956 1,099,589 2,686,546 173,052,589
103 173,052,589 1,576,936 1,120,555 2,697,491 171,932,035
104 171,932,035 1,566,725 1,141,756 2,708,481 170,790,279
105 170,790,279 1,556,321 1,163,194 2,719,515 169,627,085
106 169,627,085 1,545,721 1,184,874 2,730,595 168,442,211
107 168,442,211 1,534,924 1,206,796 2,741,720 167,235,415
108 167,235,415 1,523,927 1,228,963 2,752,890 166,006,453
109 166,006,453 1,512,729 1,251,377 2,764,106 164,755,076
110 164,755,076 1,501,325 1,274,041 2,775,367 163,481,034
111 163,481,034 1,489,716 1,296,958 2,786,674 162,184,076
112 162,184,076 1,477,897 1,320,130 2,798,027 160,863,946
113 160,863,946 1,465,868 1,343,559 2,809,427 159,520,387
114 159,520,387 1,453,624 1,367,248 2,820,873 158,153,139
115 158,153,139 1,441,165 1,391,200 2,832,365 156,761,939
116 156,761,939 1,428,488 1,415,417 2,843,905 155,346,522
117 155,346,522 1,415,590 1,439,901 2,855,491 153,906,621
118 153,906,621 1,402,469 1,464,656 2,867,125 152,441,965
119 152,441,965 1,389,123 1,489,683 2,878,806 150,952,282
120 150,952,282 1,375,548 1,514,987 2,890,534 149,437,296
121 149,437,296 1,361,743 1,540,568 2,902,311 147,896,727
122 147,896,727 1,347,704 1,566,431 2,914,135 146,330,296
123 146,330,296 1,333,430 1,592,578 2,926,008 144,737,719
124 144,737,719 1,318,918 1,619,011 2,937,929 143,118,708
125 143,118,708 1,304,165 1,645,733 2,949,898 141,472,975
126 141,472,975 1,289,168 1,672,748 2,961,916 139,800,226
127 139,800,226 1,273,925 1,700,059 2,973,984 138,100,168
128 138,100,168 1,258,433 1,727,667 2,986,100 136,372,501
129 136,372,501 1,242,690 1,755,576 2,998,266 134,616,925
130 134,616,925 1,226,692 1,783,789 3,010,481 132,833,137
131 132,833,137 1,210,438 1,812,308 3,022,746 131,020,828
132 131,020,828 1,193,923 1,841,138 3,035,061 129,179,690
133 129,179,690 1,177,146 1,870,281 3,047,426 127,309,410
134 127,309,410 1,160,103 1,899,739 3,059,842 125,409,671
135 125,409,671 1,142,792 1,929,517 3,072,308 123,480,154
136 123,480,154 1,125,209 1,959,616 3,084,825 121,520,538
137 121,520,538 1,107,352 1,990,041 3,097,393 119,530,497
138 119,530,497 1,089,218 2,020,794 3,110,012 117,509,703
139 117,509,703 1,070,803 2,051,879 3,122,683 115,457,823
140 115,457,823 1,052,106 2,083,299 3,135,405 113,374,524
141 113,374,524 1,033,122 2,115,057 3,148,179 111,259,467
142 111,259,467 1,013,848 2,147,157 3,161,005 109,112,310
143 109,112,310 994,282 2,179,601 3,173,883 106,932,709
144 106,932,709 974,421 2,212,393 3,186,814 104,720,316
145 104,720,316 954,261 2,245,537 3,199,798 102,474,778
146 102,474,778 933,798 2,279,036 3,212,834 100,195,743
147 100,195,743 913,031 2,312,893 3,225,924 97,882,850
148 97,882,850 891,954 2,347,112 3,239,066 95,535,737
149 95,535,737 870,566 2,381,696 3,252,263 93,154,041
150 93,154,041 848,863 2,416,650 3,265,513 90,737,391
151 90,737,391 826,842 2,451,975 3,278,817 88,285,416
152 88,285,416 804,498 2,487,677 3,292,175 85,797,739
153 85,797,739 781,829 2,523,759 3,305,588 83,273,980
154 83,273,980 758,832 2,560,224 3,319,055 80,713,756
155 80,713,756 735,502 2,597,076 3,332,578 78,116,680
156 78,116,680 711,836 2,634,319 3,346,155 75,482,361
157 75,482,361 687,831 2,671,957 3,359,788 72,810,404
158 72,810,404 663,483 2,709,993 3,373,476 70,100,411
159 70,100,411 638,788 2,748,432 3,387,220 67,351,979
160 67,351,979 613,743 2,787,277 3,401,020 64,564,702
161 64,564,702 588,344 2,826,532 3,414,876 61,738,170
162 61,738,170 562,587 2,866,201 3,428,789 58,871,968
163 58,871,968 536,469 2,906,289 3,442,758 55,965,679
164 55,965,679 509,985 2,946,799 3,456,784 53,018,881
165 53,018,881 483,133 2,987,735 3,470,867 50,031,146
166 50,031,146 455,907 3,029,101 3,485,008 47,002,045
167 47,002,045 428,305 3,070,902 3,499,207 43,931,143
168 43,931,143 400,321 3,113,142 3,513,463 40,818,002
169 40,818,002 371,953 3,155,824 3,527,777 37,662,178
170 37,662,178 343,195 3,198,954 3,542,150 34,463,223
171 34,463,223 314,045 3,242,536 3,556,581 31,220,688
172 31,220,688 284,498 3,286,573 3,571,071 27,934,115
173 27,934,115 254,549 3,331,071 3,585,620 24,603,044
174 24,603,044 224,194 3,376,033 3,600,228 21,227,010
175 21,227,010 193,430 3,421,465 3,614,896 17,805,545
176 17,805,545 162,252 3,467,371 3,629,623 14,338,174
177 14,338,174 130,656 3,513,755 3,644,411 10,824,419
178 10,824,419 98,637 3,560,621 3,659,259 7,263,798
179 7,263,798 66,191 3,607,976 3,674,167 3,655,822
180 3,655,822 33,314 3,655,822 3,689,136 - 0