Actividad 7

Taller sobre gradientes y anualidades

Oviedo Muñoz Sara

Carlos Andrés Gutiérrez Díaz

Camilo Antonio Mosquera Cortes

María Alejandra Gutiérrez Díaz

Programa De Administración De Empresas, Facultad De Ciencias Empresariales,

Corporación Universitaria Minuto De Dios

NRC: 28376, Matemáticas financiera

Docente. Diana Marcela Mora Hernández

Noviembre 17, 2021

Noviembre 17, 2021
as Empresariales,
 Administración de Empresas
Matemática financiera
Unidad 4
Actividad 7
Estudio de caso sobre alternativas de financiación
 
La señora María Claudia Pinilla adquirió un crédito de libre inversión por $250.000.000, durante 7 añ
con una tasa de interés del 10,9 % EM.
La prestataria tiene varias alternativas de financiación que le ofrece su entidad financiera con respec
la forma de amortizar la deuda. Para ayudarle a encontrar la mejor opción, construya las tablas
amortización y calcule las cuotas mensuales, los intereses y los abonos a capital correspondientes.
Amortización gradual
Amortización con abono constante a capital
Amortización con periodo de gracia de 8 meses
 
ciación

or $250.000.000, durante 7 años,

entidad financiera con respecto a

opción, construya las tablas de
capital correspondientes.
 Amortización gradua

Datos:

VP= $250.000.000
n = 7 años ---- 84 meses
i = 10,9%---- 0,109 EMV
VF= ?
R=?

VP= R 1-(1+i) -n
i

250.000.000 = R 1-(1+0, 109) -84

0, 109

250.000.000= R 9,17276907688725

250.000.000 = R
9,17276907688725

27 254 583,420 1723 = R

NUMERO DE PAGO PAGO MENSUAL INTERES

0 10.9%
1 $ 27,254,583.420172 $ 27,250,000.00
2 $ 27,254,583.420172 $ 27,249,500.41
3 $ 27,254,583.420172 $ 27,248,946.36
4 $ 27,254,583.420172 $ 27,248,331.92
5 $ 27,254,583.420172 $ 27,247,650.51
6 $ 27,254,583.420172 $ 27,246,894.82
7 $ 27,254,583.420172 $ 27,246,056.76
8 $ 27,254,583.420172 $ 27,245,127.35
9 $ 27,254,583.420172 $ 27,244,096.64
10 $ 27,254,583.420172 $ 27,242,953.58
11 $ 27,254,583.420172 $ 27,241,685.93
12 $ 27,254,583.420172 $ 27,240,280.11
13 $ 27,254,583.420172 $ 27,238,721.04
14 $ 27,254,583.420172 $ 27,236,992.05
15 $ 27,254,583.420172 $ 27,235,074.59
16 $ 27,254,583.420172 $ 27,232,948.12
17 $ 27,254,583.420172 $ 27,230,589.88
18 $ 27,254,583.420172 $ 27,227,974.58
19 $ 27,254,583.420172 $ 27,225,074.22
20 $ 27,254,583.420172 $ 27,221,857.71
21 $ 27,254,583.420172 $ 27,218,290.61
22 $ 27,254,583.420172 $ 27,214,334.69
23 $ 27,254,583.420172 $ 27,209,947.58
24 $ 27,254,583.420172 $ 27,205,082.28
25 $ 27,254,583.420172 $ 27,199,686.65
26 $ 27,254,583.420172 $ 27,193,702.90
27 $ 27,254,583.420172 $ 27,187,066.93
28 $ 27,254,583.420172 $ 27,179,707.63
29 $ 27,254,583.420172 $ 27,171,546.17
30 $ 27,254,583.420172 $ 27,162,495.11
31 $ 27,254,583.420172 $ 27,152,457.48
32 $ 27,254,583.420172 $ 27,141,325.76
33 $ 27,254,583.420172 $ 27,128,980.67
34 $ 27,254,583.420172 $ 27,115,289.97
35 $ 27,254,583.420172 $ 27,100,106.98
36 $ 27,254,583.420172 $ 27,083,269.05
37 $ 27,254,583.420172 $ 27,064,595.79
38 $ 27,254,583.420172 $ 27,043,887.13
39 $ 27,254,583.420172 $ 27,020,921.24
40 $ 27,254,583.420172 $ 26,995,452.06
41 $ 27,254,583.420172 $ 26,967,206.74
42 $ 27,254,583.420172 $ 26,935,882.69
43 $ 27,254,583.420172 $ 26,901,144.31
44 $ 27,254,583.420172 $ 26,862,619.44
45 $ 27,254,583.420172 $ 26,819,895.37
46 $ 27,254,583.420172 $ 26,772,514.37
47 $ 27,254,583.420172 $ 26,719,968.85
48 $ 27,254,583.420172 $ 26,661,695.86
49 $ 27,254,583.420172 $ 26,597,071.11
50 $ 27,254,583.420172 $ 26,525,402.27
51 $ 27,254,583.420172 $ 26,445,921.53
52 $ 27,254,583.420172 $ 26,357,777.38
53 $ 27,254,583.420172 $ 26,260,025.52
54 $ 27,254,583.420172 $ 26,151,618.71
55 $ 27,254,583.420172 $ 26,031,395.56
56 $ 27,254,583.420172 $ 25,898,068.08
57 $ 27,254,583.420172 $ 25,750,207.91
58 $ 27,254,583.420172 $ 25,586,230.97
59 $ 27,254,583.420172 $ 25,404,380.56
60 $ 27,254,583.420172 $ 25,202,708.45
61 $ 27,254,583.420172 $ 24,979,054.07
62 $ 27,254,583.420172 $ 24,731,021.38
63 $ 27,254,583.420172 $ 24,455,953.11
64 $ 27,254,583.420172 $ 24,150,902.41
65 $ 27,254,583.420172 $ 23,812,601.18
66 $ 27,254,583.420172 $ 23,437,425.11
67 $ 27,254,583.420172 $ 23,021,354.86
68 $ 27,254,583.420172 $ 22,559,932.95
69 $ 27,254,583.420172 $ 22,048,216.04
70 $ 27,254,583.420172 $ 21,480,722.00
71 $ 27,254,583.420172 $ 20,851,371.10
72 $ 27,254,583.420172 $ 20,153,420.96
73 $ 27,254,583.420172 $ 19,379,394.25
74 $ 27,254,583.420172 $ 18,520,998.64
75 $ 27,254,583.420172 $ 17,569,037.89
76 $ 27,254,583.420172 $ 16,513,313.43
77 $ 27,254,583.420172 $ 15,342,515.00
78 $ 27,254,583.420172 $ 14,044,099.55
79 $ 27,254,583.420172 $ 12,604,156.80
80 $ 27,254,583.420172 $ 11,007,260.30
81 $ 27,254,583.420172 $ 9,236,302.08
82 $ 27,254,583.420172 $ 7,272,309.42
83 $ 27,254,583.420172 $ 5,094,241.55
84 $ 27,254,583.420172 $ 2,678,764.29
 Amortización gradual

ABONO CAPITAL SALDO INSOLUTO

$ 250,000,000.00
$ 4,583.42017 $ 249,995,416.57983
$ 5,083.01297 $ 249,990,333.56686
$ 5,637.06138 $ 249,984,696.50547
$ 6,251.50108 $ 249,978,445.00440
$ 6,932.91469 $ 249,971,512.08970
$ 7,688.60239 $ 249,963,823.48731
$ 8,526.66006 $ 249,955,296.82725
$ 9,456.06600 $ 249,945,840.76125
$ 10,486.77720 $ 249,935,353.98406
$ 11,629.83591 $ 249,923,724.14814
$ 12,897.48802 $ 249,910,826.66012
$ 14,303.31422 $ 249,896,523.34590
$ 15,862.37547 $ 249,880,660.97043
$ 17,591.37440 $ 249,863,069.59604
$ 19,508.83420 $ 249,843,560.76183
$ 21,635.29713 $ 249,821,925.46470
$ 23,993.54452 $ 249,797,931.92018
$ 26,608.84087 $ 249,771,323.07931
$ 29,509.20453 $ 249,741,813.87478
$ 32,725.70782 $ 249,709,088.16696
$ 36,292.80997 $ 249,672,795.35698
$ 40,248.72626 $ 249,632,546.63072
$ 44,635.83742 $ 249,587,910.79330
$ 49,501.14370 $ 249,538,409.64959
$ 54,896.76837 $ 249,483,512.88123
$ 60,880.51612 $ 249,422,632.36511
$ 67,516.49238 $ 249,355,115.87273
$ 74,875.79004 $ 249,280,240.08269
$ 83,037.25116 $ 249,197,202.83153
$ 92,088.31154 $ 249,105,114.52000
$ 102,125.93749 $ 249,002,988.58250
$ 113,257.66468 $ 248,889,730.91782
$ 125,602.75013 $ 248,764,128.16769
$ 139,293.44989 $ 248,624,834.71780
$ 154,476.43593 $ 248,470,358.28187
$ 171,314.36745 $ 248,299,043.91442
$ 189,987.63350 $ 248,109,056.28092
$ 210,696.28555 $ 247,898,359.99537
$ 233,662.18068 $ 247,664,697.81469
$ 259,131.35837 $ 247,405,566.45632
$ 287,376.67643 $ 247,118,189.77988
$ 318,700.73417 $ 246,799,489.04572
$ 353,439.11419 $ 246,446,049.93153
$ 391,963.97764 $ 246,054,085.95389
$ 434,688.05120 $ 245,619,397.90269
$ 482,069.04878 $ 245,137,328.85392
$ 534,614.57510 $ 244,602,714.27882
$ 592,887.56378 $ 244,009,826.71504
$ 657,512.30823 $ 243,352,314.40681
$ 729,181.14983 $ 242,623,133.25697
$ 808,661.89516 $ 241,814,471.36181
$ 896,806.04173 $ 240,917,665.32008
$ 994,557.90028 $ 239,923,107.41979
$ 1,102,964.71141 $ 238,820,142.70838
$ 1,223,187.86496 $ 237,596,954.84342
$ 1,356,515.34224 $ 236,240,439.50118
$ 1,504,375.51454 $ 234,736,063.98664
$ 1,668,352.44563 $ 233,067,711.54101
$ 1,850,202.86220 $ 231,217,508.67880
$ 2,051,874.97418 $ 229,165,633.70462
$ 2,275,529.34637 $ 226,890,104.35825
$ 2,523,562.04512 $ 224,366,542.31313
$ 2,798,630.30804 $ 221,567,912.00509
$ 3,103,681.01162 $ 218,464,230.99347
$ 3,441,982.24188 $ 215,022,248.75159
$ 3,817,158.30625 $ 211,205,090.44534
$ 4,233,228.56163 $ 206,971,861.88371
$ 4,694,650.47485 $ 202,277,211.40886
$ 5,206,367.37661 $ 197,070,844.03225
$ 5,773,861.42066 $ 191,296,982.61159
$ 6,403,212.31551 $ 184,893,770.29609
$ 7,101,162.45790 $ 177,792,607.83819
$ 7,875,189.16581 $ 169,917,418.67238
$ 8,733,584.78488 $ 161,183,833.88749
$ 9,685,545.52644 $ 151,498,288.36106
$ 10,741,269.98882 $ 140,757,018.37224
$ 11,912,068.41760 $ 128,844,949.95464
$ 13,210,483.87512 $ 115,634,466.07953
$ 14,650,426.61750 $ 100,984,039.46202
$ 16,247,323.11881 $ 84,736,716.34321
$ 18,018,281.33876 $ 66,718,435.00445
$ 19,982,274.00469 $ 46,736,160.99976
$ 22,160,341.87120 $ 24,575,819.12856
$ 24,575,819.13516 $ (0.01)
 2. Amortización con abon

Datos:
VP= $250.000.000
n = 7 años ---- 84 meses
i = 10,9%---- 0,109 EMV
A= ?

A = Deuda
# pagos

A= 250.000.000
84
A = 2.976.190,476190

NUMERO DE PAGO PAGO MENSUAL INTERES

0 10.9%
1 $ 27,254,583.42 $ 27,250,000.00
2 $ 27,254,583.42 $ 26,925,595.24
3 $ 27,254,583.42 $ 26,601,190.48
4 $ 27,254,583.42 $ 26,276,785.71
5 $ 27,254,583.42 $ 25,952,380.95
6 $ 27,254,583.42 $ 25,627,976.19
7 $ 27,254,583.42 $ 25,303,571.43
8 $ 27,254,583.42 $ 24,979,166.67
9 $ 27,254,583.42 $ 24,654,761.90
10 $ 27,254,583.42 $ 24,330,357.14
11 $ 27,254,583.42 $ 24,005,952.38
12 $ 27,254,583.42 $ 23,681,547.62
13 $ 27,254,583.42 $ 23,357,142.86
14 $ 27,254,583.42 $ 23,032,738.10
15 $ 27,254,583.42 $ 22,708,333.33
16 $ 27,254,583.42 $ 22,383,928.57
17 $ 27,254,583.42 $ 22,059,523.81
18 $ 27,254,583.42 $ 21,735,119.05
19 $ 27,254,583.42 $ 21,410,714.29
20 $ 27,254,583.42 $ 21,086,309.52
21 $ 27,254,583.42 $ 20,761,904.76
22 $ 27,254,583.42 $ 20,437,500.00
23 $ 27,254,583.42 $ 20,113,095.24
24 $ 27,254,583.42 $ 19,788,690.48
25 $ 27,254,583.42 $ 19,464,285.71
26 $ 27,254,583.42 $ 19,139,880.95
27 $ 27,254,583.42 $ 18,815,476.19
28 $ 27,254,583.42 $ 18,491,071.43
29 $ 27,254,583.42 $ 18,166,666.67
30 $ 27,254,583.42 $ 17,842,261.90
31 $ 27,254,583.42 $ 17,517,857.14
32 $ 27,254,583.42 $ 17,193,452.38
33 $ 27,254,583.42 $ 16,869,047.62
34 $ 27,254,583.42 $ 16,544,642.86
35 $ 27,254,583.42 $ 16,220,238.10
36 $ 27,254,583.42 $ 15,895,833.33
37 $ 27,254,583.42 $ 15,571,428.57
38 $ 27,254,583.42 $ 15,247,023.81
39 $ 27,254,583.42 $ 14,922,619.05
40 $ 27,254,583.42 $ 14,598,214.29
41 $ 27,254,583.42 $ 14,273,809.52
42 $ 27,254,583.42 $ 13,949,404.76
43 $ 27,254,583.42 $ 13,625,000.00
44 $ 27,254,583.42 $ 13,300,595.24
45 $ 27,254,583.42 $ 12,976,190.48
46 $ 27,254,583.42 $ 12,651,785.71
47 $ 27,254,583.42 $ 12,327,380.95
48 $ 27,254,583.42 $ 12,002,976.19
49 $ 27,254,583.42 $ 11,678,571.43
50 $ 27,254,583.42 $ 11,354,166.67
51 $ 27,254,583.42 $ 11,029,761.90
52 $ 27,254,583.42 $ 10,705,357.14
53 $ 27,254,583.42 $ 10,380,952.38
54 $ 27,254,583.42 $ 10,056,547.62
55 $ 27,254,583.42 $ 9,732,142.86
56 $ 27,254,583.42 $ 9,407,738.10
57 $ 27,254,583.42 $ 9,083,333.33
58 $ 27,254,583.42 $ 8,758,928.57
59 $ 27,254,583.42 $ 8,434,523.81
60 $ 27,254,583.42 $ 8,110,119.05
61 $ 27,254,583.42 $ 7,785,714.29
62 $ 27,254,583.42 $ 7,461,309.52
63 $ 27,254,583.42 $ 7,136,904.76
64 $ 27,254,583.42 $ 6,812,500.00
65 $ 27,254,583.42 $ 6,488,095.24
66 $ 27,254,583.42 $ 6,163,690.48
67 $ 27,254,583.42 $ 5,839,285.71
68 $ 27,254,583.42 $ 5,514,880.95
69 $ 27,254,583.42 $ 5,190,476.19
70 $ 27,254,583.42 $ 4,866,071.43
71 $ 27,254,583.42 $ 4,541,666.67
72 $ 27,254,583.42 $ 4,217,261.90
73 $ 27,254,583.42 $ 3,892,857.14
74 $ 27,254,583.42 $ 3,568,452.38
75 $ 27,254,583.42 $ 3,244,047.62
76 $ 27,254,583.42 $ 2,919,642.86
77 $ 27,254,583.42 $ 2,595,238.10
78 $ 27,254,583.42 $ 2,270,833.33
79 $ 27,254,583.42 $ 1,946,428.57
80 $ 27,254,583.42 $ 1,622,023.81
81 $ 27,254,583.42 $ 1,297,619.05
82 $ 27,254,583.42 $ 973,214.29
83 $ 27,254,583.42 $ 648,809.52
84 $ 27,254,583.42 $ 324,404.76
2. Amortización con abono constante a capital
ABONO CAPITAL
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
$ 2,976,190.48
SALDO INSOLUTO
$ 250,000,000.00
$ 247,023,809.52
$ 244,047,619.05
$ 241,071,428.57
$ 238,095,238.10
$ 235,119,047.62
$ 232,142,857.14
$ 229,166,666.67
$ 226,190,476.19
$ 223,214,285.71
$ 220,238,095.24
$ 217,261,904.76
$ 214,285,714.29
$ 211,309,523.81
$ 208,333,333.33
$ 205,357,142.86
$ 202,380,952.38
$ 199,404,761.90
$ 196,428,571.43
$ 193,452,380.95
$ 190,476,190.48
$ 187,500,000.00
$ 2,976,190.48 $ 184,523,809.52
$ 2,976,190.48 $ 181,547,619.05
$ 2,976,190.48 $ 178,571,428.57
$ 2,976,190.48 $ 175,595,238.10
$ 2,976,190.48 $ 172,619,047.62
$ 2,976,190.48 $ 169,642,857.14
$ 2,976,190.48 $ 166,666,666.67
$ 2,976,190.48 $ 163,690,476.19
$ 2,976,190.48 $ 160,714,285.71
$ 2,976,190.48 $ 157,738,095.24
$ 2,976,190.48 $ 154,761,904.76
$ 2,976,190.48 $ 151,785,714.29
$ 2,976,190.48 $ 148,809,523.81
$ 2,976,190.48 $ 145,833,333.33
$ 2,976,190.48 $ 142,857,142.86
$ 2,976,190.48 $ 139,880,952.38
$ 2,976,190.48 $ 136,904,761.90
$ 2,976,190.48 $ 133,928,571.43
$ 2,976,190.48 $ 130,952,380.95
$ 2,976,190.48 $ 127,976,190.48
$ 2,976,190.48 $ 125,000,000.00
$ 2,976,190.48 $ 122,023,809.52
$ 2,976,190.48 $ 119,047,619.05
$ 2,976,190.48 $ 116,071,428.57
$ 2,976,190.48 $ 113,095,238.10
$ 2,976,190.48 $ 110,119,047.62
$ 2,976,190.48 $ 107,142,857.14
$ 2,976,190.48 $ 104,166,666.67
$ 2,976,190.48 $ 101,190,476.19
$ 2,976,190.48 $ 98,214,285.71
$ 2,976,190.48 $ 95,238,095.24
$ 2,976,190.48 $ 92,261,904.76
$ 2,976,190.48 $ 89,285,714.29
$ 2,976,190.48 $ 86,309,523.81
$ 2,976,190.48 $ 83,333,333.33
$ 2,976,190.48 $ 80,357,142.86
$ 2,976,190.48 $ 77,380,952.38
$ 2,976,190.48 $ 74,404,761.90
$ 2,976,190.48 $ 71,428,571.43
$ 2,976,190.48 $ 68,452,380.95
$ 2,976,190.48 $ 65,476,190.48
$ 2,976,190.48 $ 62,500,000.00
$ 2,976,190.48 $ 59,523,809.52
$ 2,976,190.48 $ 56,547,619.05
$ 2,976,190.48 $ 53,571,428.57
$ 2,976,190.48 $ 50,595,238.10
$ 2,976,190.48 $ 47,619,047.62
$ 2,976,190.48 $ 44,642,857.14
$ 2,976,190.48 $ 41,666,666.67
$ 2,976,190.48 $ 38,690,476.19
$ 2,976,190.48 $ 35,714,285.71
$ 2,976,190.48 $ 32,738,095.24
$ 2,976,190.48 $ 29,761,904.76
$ 2,976,190.48 $ 26,785,714.29
$ 2,976,190.48 $ 23,809,523.81
$ 2,976,190.48 $ 20,833,333.33
$ 2,976,190.48 $ 17,857,142.86
$ 2,976,190.48 $ 14,880,952.38
$ 2,976,190.48 $ 11,904,761.90
$ 2,976,190.48 $ 8,928,571.43
$ 2,976,190.48 $ 5,952,380.95
$ 2,976,190.48 $ 2,976,190.48
$ 2,976,190.48 $ 0.00
 3. Amortización con per

Datos:

VP= $250.000.000
n = 7 años ---- 84 meses
i = 10,9%---- 0,109 EMV
VF= ?
R=?

VP= R 1-(1+i) -n * (1+i)-N

i

250.000.000= R 1- (1+0, 109)-84 (1+ 0, 109)-8

0,109

250.000.000 = R (9,17276907688725) (0,4370666112793)

250.000.000 = R (4,00911109648866)

250.000.000 =R
4,00911109648866

62.357.962,6464665 = R

NUMERO DE PAGO PAGO MENSUAL INTERES

0 10.9%
1 $ 27,250,000.00
2 $ 30,220,250.00
3 $ 33,514,257.25
4 $ 37,167,311.29
5 $ 41,218,548.22
6 $ 45,711,369.98
7 $ 50,693,909.30
8 $ 56,219,545.42
9 $ 62,357,962.65 $ 62,347,475.87
10 $ 62,357,962.65 $ 62,346,332.81
11 $ 62,357,962.65 $ 62,345,065.16
12 $ 62,357,962.65 $ 62,343,659.33
13 $ 62,357,962.65 $ 62,342,100.27
14 $ 62,357,962.65 $ 62,340,371.27
15 $ 62,357,962.65 $ 62,338,453.81
16 $ 62,357,962.65 $ 62,336,327.35
17 $ 62,357,962.65 $ 62,333,969.10
18 $ 62,357,962.65 $ 62,331,353.81
19 $ 62,357,962.65 $ 62,328,453.44
20 $ 62,357,962.65 $ 62,325,236.94
21 $ 62,357,962.65 $ 62,321,669.84
22 $ 62,357,962.65 $ 62,317,713.92
23 $ 62,357,962.65 $ 62,313,326.81
24 $ 62,357,962.65 $ 62,308,461.50
25 $ 62,357,962.65 $ 62,303,065.88
26 $ 62,357,962.65 $ 62,297,082.13
27 $ 62,357,962.65 $ 62,290,446.15
28 $ 62,357,962.65 $ 62,283,086.86
29 $ 62,357,962.65 $ 62,274,925.40
30 $ 62,357,962.65 $ 62,265,874.33
31 $ 62,357,962.65 $ 62,255,836.71
32 $ 62,357,962.65 $ 62,244,704.98
33 $ 62,357,962.65 $ 62,232,359.90
34 $ 62,357,962.65 $ 62,218,669.20
35 $ 62,357,962.65 $ 62,203,486.21
36 $ 62,357,962.65 $ 62,186,648.28
37 $ 62,357,962.65 $ 62,167,975.01
38 $ 62,357,962.65 $ 62,147,266.36
39 $ 62,357,962.65 $ 62,124,300.47
40 $ 62,357,962.65 $ 62,098,831.29
41 $ 62,357,962.65 $ 62,070,585.97
42 $ 62,357,962.65 $ 62,039,261.91
43 $ 62,357,962.65 $ 62,004,523.53
44 $ 62,357,962.65 $ 61,965,998.67
45 $ 62,357,962.65 $ 61,923,274.60
46 $ 62,357,962.65 $ 61,875,893.60
47 $ 62,357,962.65 $ 61,823,348.07
48 $ 62,357,962.65 $ 61,765,075.08
49 $ 62,357,962.65 $ 61,700,450.34
50 $ 62,357,962.65 $ 61,628,781.50
51 $ 62,357,962.65 $ 61,549,300.75
52 $ 62,357,962.65 $ 61,461,156.60
53 $ 62,357,962.65 $ 61,363,404.75
54 $ 62,357,962.65 $ 61,254,997.93
55 $ 62,357,962.65 $ 61,134,774.78
56 $ 62,357,962.65 $ 61,001,447.30
57 $ 62,357,962.65 $ 60,853,587.13
58 $ 62,357,962.65 $ 60,689,610.20
59 $ 62,357,962.65 $ 60,507,759.78
60 $ 62,357,962.65 $ 60,306,087.67
61 $ 62,357,962.65 $ 60,082,433.30
62 $ 62,357,962.65 $ 59,834,400.60
63 $ 62,357,962.65 $ 59,559,332.34
64 $ 62,357,962.65 $ 59,254,281.63
65 $ 62,357,962.65 $ 58,915,980.40
66 $ 62,357,962.65 $ 58,540,804.34
67 $ 62,357,962.65 $ 58,124,734.08
68 $ 62,357,962.65 $ 57,663,312.17
69 $ 62,357,962.65 $ 57,151,595.27
70 $ 62,357,962.65 $ 56,584,101.23
71 $ 62,357,962.65 $ 55,954,750.33
72 $ 62,357,962.65 $ 55,256,800.19
73 $ 62,357,962.65 $ 54,482,773.48
74 $ 62,357,962.65 $ 53,624,377.86
75 $ 62,357,962.65 $ 52,672,417.12
76 $ 62,357,962.65 $ 51,616,692.66
77 $ 62,357,962.65 $ 50,445,894.23
78 $ 62,357,962.65 $ 49,147,478.77
79 $ 62,357,962.65 $ 47,707,536.03
80 $ 62,357,962.65 $ 46,110,639.53
81 $ 62,357,962.65 $ 44,339,681.31
82 $ 62,357,962.65 $ 42,375,688.64
83 $ 62,357,962.65 $ 40,197,620.77
84 $ 62,357,962.65 $ 37,782,143.51
85 $ 62,357,962.65 $ 35,103,379.22
86 $ 62,357,962.65 $ 32,132,629.63
87 $ 62,357,962.65 $ 28,838,068.33
88 $ 62,357,962.65 $ 25,184,399.85
89 $ 62,357,962.65 $ 21,132,481.51
90 $ 62,357,962.65 $ 16,638,904.06
91 $ 62,357,962.65 $ 11,655,526.68
92 $ 62,357,962.65 $ 6,128,961.16
Amortización con periodo de gracia de 8 meses

ABONO CAPITAL SALDO INSOLUTO

$ 250,000,000.00
$ 277,250,000.00
$ 307,470,250.00
$ 340,984,507.25
$ 378,151,818.54
$ 419,370,366.76
$ 465,081,736.74
$ 515,775,646.04
$ 571,995,191.46
$ 10,486.78 $ 571,984,704.68
$ 11,629.84 $ 571,973,074.85
$ 12,897.49 $ 571,960,177.36
$ 14,303.31 $ 571,945,874.05
$ 15,862.38 $ 571,930,011.67
$ 17,591.37 $ 571,912,420.30
$ 19,508.83 $ 571,892,911.46
$ 21,635.30 $ 571,871,276.16
$ 23,993.54 $ 571,847,282.62
$ 26,608.84 $ 571,820,673.78
$ 29,509.20 $ 571,791,164.57
$ 32,725.71 $ 571,758,438.87
$ 36,292.81 $ 571,722,146.06
$ 40,248.73 $ 571,681,897.33
$ 44,635.84 $ 571,637,261.49
$ 49,501.14 $ 571,587,760.35
$ 54,896.77 $ 571,532,863.58
$ 60,880.52 $ 571,471,983.07
$ 67,516.49 $ 571,404,466.57
$ 74,875.79 $ 571,329,590.78
$ 83,037.25 $ 571,246,553.53
$ 92,088.31 $ 571,154,465.22
$ 102,125.94 $ 571,052,339.28
$ 113,257.66 $ 570,939,081.62
$ 125,602.75 $ 570,813,478.87
$ 139,293.45 $ 570,674,185.42
$ 154,476.44 $ 570,519,708.98
$ 171,314.37 $ 570,348,394.61
$ 189,987.63 $ 570,158,406.98
$ 210,696.29 $ 569,947,710.70
$ 233,662.18 $ 569,714,048.51
$ 259,131.36 $ 569,454,917.16
$ 287,376.68 $ 569,167,540.48
$ 318,700.73 $ 568,848,839.75
$ 353,439.11 $ 568,495,400.63
$ 391,963.98 $ 568,103,436.65
$ 434,688.05 $ 567,668,748.60
$ 482,069.05 $ 567,186,679.55
$ 534,614.58 $ 566,652,064.98
$ 592,887.56 $ 566,059,177.41
$ 657,512.31 $ 565,401,665.11
$ 729,181.15 $ 564,672,483.96
$ 808,661.90 $ 563,863,822.06
$ 896,806.04 $ 562,967,016.02
$ 994,557.90 $ 561,972,458.12
$ 1,102,964.71 $ 560,869,493.41
$ 1,223,187.87 $ 559,646,305.54
$ 1,356,515.34 $ 558,289,790.20
$ 1,504,375.51 $ 556,785,414.69
$ 1,668,352.45 $ 555,117,062.24
$ 1,850,202.86 $ 553,266,859.38
$ 2,051,874.97 $ 551,214,984.40
$ 2,275,529.35 $ 548,939,455.06
$ 2,523,562.05 $ 546,415,893.01
$ 2,798,630.31 $ 543,617,262.70
$ 3,103,681.01 $ 540,513,581.69
$ 3,441,982.24 $ 537,071,599.45
$ 3,817,158.31 $ 533,254,441.14
$ 4,233,228.56 $ 529,021,212.58
$ 4,694,650.48 $ 524,326,562.11
$ 5,206,367.38 $ 519,120,194.73
$ 5,773,861.42 $ 513,346,333.31
$ 6,403,212.32 $ 506,943,120.99
$ 7,101,162.46 $ 499,841,958.53
$ 7,875,189.17 $ 491,966,769.37
$ 8,733,584.79 $ 483,233,184.58
$ 9,685,545.53 $ 473,547,639.06
$ 10,741,269.99 $ 462,806,369.07
$ 11,912,068.42 $ 450,894,300.65
$ 13,210,483.88 $ 437,683,816.77
$ 14,650,426.62 $ 423,033,390.15
$ 16,247,323.12 $ 406,786,067.04
$ 18,018,281.34 $ 388,767,785.70
$ 19,982,274.01 $ 368,785,511.69
$ 22,160,341.87 $ 346,625,169.82
$ 24,575,819.14 $ 322,049,350.68
$ 27,254,583.42 $ 294,794,767.26
$ 30,225,333.02 $ 264,569,434.24
$ 33,519,894.31 $ 231,049,539.93
$ 37,173,562.79 $ 193,875,977.14
$ 41,225,481.14 $ 152,650,496.00
$ 45,719,058.58 $ 106,931,437.41
$ 50,702,435.97 $ 56,229,001.45
$ 56,229,001.49 $ (0.04)
 AMORTIZACIÓN GRADUAL la deuda se liquida en pagos iguales

NUMERO DE PAGO PAGO BIMESTRAL INTERES ABONO CAPITAL

0 3%
1 $ 19,260.76245 $ 3,600.00 $ 15,660.76245
2 $ 19,260.76245 $ 3,130.18 $ 16,130.58532
3 $ 19,260.76245 $ 2,646.26 $ 16,614.50288
4 $ 19,260.76245 $ 2,147.82 $ 17,112.93797
5 $ 19,260.76245 $ 1,634.44 $ 17,626.32611
6 $ 19,260.76245 $ 1,105.65 $ 18,155.11589
7 $ 19,260.76245 $ 560.99 $ 18,699.76937

AMORTIZACIÓN MEDIANTE ABONO DE INTERESES VENCIDOS

NUMERO DE PAGO PAGO INTERES ABONO CAPITAL

0 7.5%
1 $ 4,000,000.00000 $ 1,500,000.00 $ 2,500,000.0
2 $ 3,812,500.00000 $ 1,312,500.00 $ 2,500,000.0
3 $ 3,625,000.00000 $ 1,125,000.00 $ 2,500,000.0
4 $ 3,437,500.00000 $ 937,500.00 $ 2,500,000.0
5 $ 3,250,000.00000 $ 750,000.00 $ 2,500,000.0
6 $ 3,062,500.00000 $ 562,500.00 $ 2,500,000.0
7 $ 2,875,000.00000 $ 375,000.00 $ 2,500,000.0
8 $ 2,687,500.00000 $ 187,500.00 $ 2,500,000.0

AMORTIZACIÓN CON PERIODO DE GRACIA

NUMERO DE PAGO PAGO INTERES ABONO CAPITAL

0 5%
1 $ 500,000.00
2 $ 525,000.00
3 $ 551,250.00
4 $ 2,280,723.47 $ 578,812.50 $ 1,701,911.0
5 $ 2,280,723.47 $ 493,716.95 $ 1,787,006.5
6 $ 2,280,723.47 $ 404,366.63 $ 1,876,356.8
7 $ 2,280,723.47 $ 310,548.78 $ 1,970,174.7
8 $ 2,280,723.47 $ 212,040.05 $ 2,068,683.4
9 $ 2,280,723.47 $ 108,605.88 $ 2,172,117.6
e liquida en pagos iguales

SALDO INSOLUTO
$ 120,000.00 saldo inicial
$ 104,339.23755
$ 88,208.65223
$ 71,594.14934
$ 54,481.21137
$ 36,854.88526
$ 18,699.76937
$ 0.00000

SALDO INSOLUTO
$ 20,000,000.0
$ 17,500,000.00000
$ 15,000,000.00000
$ 12,500,000.00000
$ 10,000,000.00000
$ 7,500,000.00000
$ 5,000,000.00000
$ 2,500,000.00000
$ -

SALDO INSOLUTO
$ 10,000,000.00
$ 10,500,000.00000
$ 11,025,000.00000
$ 11,576,250.00000
$ 9,874,339.03500
$ 8,087,332.52175
$ 6,210,975.68284
$ 4,240,801.00198
$ 2,172,117.58708
$ 0.00143