CREDITO $ 30,000,000

EJEMPLO
PRESTAMO $ 30,000,000
TASA 1 2.303% PM
TASA 2 6.750% PT
TASA 3 32.25% EA
TIEMPO 1 60 MESES
TIEMPO 2 20 TRIMESTRAL
TIEMPO 3 2 AÑOS
ORDINARIA PAGOS MENSUALES $ 32.35
EXTRAORDINARIA PAGOS TRIMESTRALES $ 10.80 EQUIVALENTES A 1.5 ORDINARIA

EQUIVALENTE AL DOBLE DE LA
ADICIONAL PAGOS ANUALES $ 0.00 ORDINARIA

$ 43.15
No. CUOTA CUOTA EXTAORDINARIA
0 $ 653,380.39 $ 653,380.39
1 653,380.39
2 653,380.39
3 653,380.39 $ 653,380.39
4 653,380.39
5 653,380.39 $ -
6 653,380.39 $ 653,380.39
7 653,380.39 $ -
8 653,380.39 $ -
9 653,380.39 $ 653,380.39
10 653,380.39 $ -
11 653,380.39 $ -
12 653,380.39 $ 653,380.39
13 653,380.39 $ -
14 653,380.39 $ -
15 653,380.39 $ 653,380.39
16 653,380.39 $ -
17 653,380.39 $ -
18 653,380.39 $ 653,380.39
19 653,380.39 $ -
20 653,380.39 $ -
21 653,380.39 $ 653,380.39
22 653,380.39 $ -
23 653,380.39 $ -
24 653,380.39 $ 653,380.39
25 653,380.39 $ -
26 653,380.39 $ -
27 653,380.39 $ 653,380.39
28 653,380.39 $ -
29 653,380.39 $ -
30 653,380.39 $ 653,380.39
31 653,380.39 $ -
32 653,380.39 $ -
33 653,380.39 $ 653,380.39
34 653,380.39 $ -
35 653,380.39 $ -
36 653,380.39 $ 653,380.39
37 653,380.39 $ -
38 653,380.39 $ -
39 653,380.39 $ 653,380.39
40 653,380.39 $ -
41 653,380.39 $ -
42 653,380.39 $ 653,380.39
43 653,380.39 $ -
44 653,380.39 $ -
45 653,380.39 $ 653,380.39
46 653,380.39 $ -
47 653,380.39 $ -
48 653,380.39 $ 653,380.39
49 653,380.39 $ -
50 653,380.39 $ -
51 653,380.39 $ 653,380.39
52 653,380.39 $ -
53 653,380.39 $ -
54 653,380.39 $ 653,380.39
55 653,380.39 $ -
56 653,380.39 $ -
57 653,380.39 $ 653,380.39
58 653,380.39 $ -
59 653,380.39 $ -
 27

0.023568832385
cuota mensual $ 653,380.39
cuota trimestral $ 653,380.39

cuota anual $ 1,000,000.00

ADICIONAL TOTAL INTERES ABONO A CAPITAL SALDO DEUDA

$ 1,000,000.00 2,306,760.77 $ 27,693,239 $ 30,000,000
653,380.39 637,668.22 15,712.17 27,677,527.06
653,380.39 637,306.43 16,073.96 27,661,453.10
1,306,760.77 636,936.31 669,824.47 26,991,628.64
653,380.39 621,512.84 31,867.55 26,959,761.09
653,380.39 620,779.05 32,601.33 26,927,159.76
1,306,760.77 620,028.37 686,732.40 26,240,427.35
653,380.39 604,215.58 49,164.81 26,191,262.55
653,380.39 603,083.50 50,296.88 26,140,965.66
1,306,760.77 601,925.36 704,835.41 25,436,130.25
653,380.39 585,695.73 67,684.66 25,368,445.59
653,380.39 584,137.21 69,243.18 25,299,202.41
1,000,000.00 2,306,760.77 582,542.81 1,724,217.96 23,574,984.45
- 653,380.39 542,840.73 110,539.65 23,464,444.80
- 653,380.39 540,295.43 113,084.95 23,351,359.85
- 1,306,760.77 537,691.52 769,069.25 22,582,290.60
- 653,380.39 519,982.83 133,397.55 22,448,893.05
- 653,380.39 516,911.20 136,469.18 22,312,423.86
- 1,306,760.77 513,768.85 792,991.93 21,519,431.94
- 653,380.39 495,509.31 157,871.08 21,361,560.86
- 653,380.39 491,874.15 161,506.24 21,200,054.62
- 1,306,760.77 488,155.28 818,605.49 20,381,449.13
- 653,380.39 469,305.96 184,074.42 20,197,374.71
- 653,380.39 465,067.44 188,312.94 20,009,061.77
1,000,000.00 2,306,760.77 460,731.32 1,846,029.45 18,163,032.32
- 653,380.39 418,224.40 235,155.98 17,927,876.34
 - 653,380.39 412,809.67 240,570.72 17,687,305.62
- 1,306,760.77 407,270.26 899,490.52 16,787,815.11
- 653,380.39 386,558.47 266,821.92 16,520,993.19
- 653,380.39 380,414.59 272,965.79 16,248,027.40
- 1,306,760.77 374,129.24 932,631.53 15,315,395.87
- 653,380.39 352,654.35 300,726.04 15,014,669.83
- 653,380.39 345,729.79 307,650.60 14,707,019.23
- 1,306,760.77 338,645.79 968,114.99 13,738,904.25
- 653,380.39 316,353.84 337,026.55 13,401,877.70
- 653,380.39 308,593.42 344,786.96 13,057,090.74
1,000,000.00 2,306,760.77 300,654.31 2,006,106.46 11,050,984.28
- 653,380.39 254,461.44 398,918.95 10,652,065.33
- 653,380.39 245,275.88 408,104.51 10,243,960.82
- 1,306,760.77 235,878.81 1,070,881.96 9,173,078.85
- 653,380.39 211,220.54 442,159.85 8,730,919.00
- 653,380.39 201,039.30 452,341.08 8,278,577.92
- 1,306,760.77 190,623.64 1,116,137.13 7,162,440.79
- 653,380.39 164,923.32 488,457.07 6,673,983.72
- 653,380.39 153,676.04 499,704.35 6,174,279.37
- 1,306,760.77 142,169.78 1,164,590.99 5,009,688.38
- 653,380.39 115,353.75 538,026.63 4,471,661.75
- 653,380.39 102,965.08 550,415.31 3,921,246.44
1,000,000.00 2,306,760.77 90,291.14 2,216,469.63 1,704,776.81
- 653,380.39 39,254.42 614,125.97 1,090,650.84
- 653,380.39 25,113.47 628,266.91 462,383.93
- 1,306,760.77 10,646.91 1,296,113.86 (833,729.93)
- 653,380.39 (19,197.58) 672,577.96 (1,506,307.89)
- 653,380.39 (34,684.45) 688,064.83 (2,194,372.72)
- 1,306,760.77 (50,527.92) 1,357,288.69 (3,551,661.42)
- 653,380.39 (81,781.03) 735,161.42 (4,286,822.83)
- 653,380.39 (98,708.95) 752,089.34 (5,038,912.17)
- 1,306,760.77 ### 1,422,787.44 (6,461,699.61)
- 653,380.39 ### 802,168.34 (7,263,867.95)
- 653,380.39 ### 820,639.18 (8,084,507.13)
No. CUOTACUOTA EXTAORDINARIA
ADICIONAL TOTAL INTERES
0
1 653,380.39 653,380.39 707,064.97
2 653,380.39 653,380.39 708,330.25
3 653,380.39 $ 653,380.39 1,306,760.77 709,625.36
4 653,380.39 653,380.39 695,551.57
5 653,380.39 653,380.39 696,545.50
6 653,380.39 $ 653,380.39 1,306,760.77 697,562.85
7 653,380.39 $ - 653,380.39 683,204.77
8 653,380.39 $ - 653,380.39 683,907.69
9 653,380.39 $ 653,380.39 1,306,760.77 684,627.19
10 653,380.39 $ - 653,380.39 669,964.22
11 653,380.39 $ - 653,380.39 670,355.09
12 653,380.39 $ 653,380.39 1,000,000.00 2,306,760.77 670,755.16
13 653,380.39 $ - 653,380.39 632,196.42
14 653,380.39 $ - 653,380.39 631,697.14
15 653,380.39 $ 653,380.39 1,306,760.77 631,186.09
16 653,380.39 $ - 653,380.39 615,263.58
17 653,380.39 $ - 653,380.39 614,365.21
18 653,380.39 $ 653,380.39 1,306,760.77 613,445.67
19 653,380.39 $ - 653,380.39 597,105.04
20 653,380.39 $ - 653,380.39 595,778.70
21 653,380.39 $ 653,380.39 1,306,760.77 594,421.09
22 653,380.39 $ - 653,380.39 577,632.08
23 653,380.39 $ - 653,380.39 575,846.78
24 653,380.39 $ 653,380.39 1,000,000.00 2,306,760.77 574,019.40
25 653,380.39 $ - - 653,380.39 533,180.71
26 653,380.39 $ - - 653,380.39 530,347.75
27 653,380.39 $ 653,380.39 - 1,306,760.77 527,448.01
28 653,380.39 $ - - 653,380.39 509,080.52
29 653,380.39 $ - - 653,380.39 505,679.54
30 653,380.39 $ 653,380.39 - 1,306,760.77 502,198.40
31 653,380.39 $ - - 653,380.39 483,235.81
32 653,380.39 $ - - 653,380.39 479,225.70
33 653,380.39 $ 653,380.39 - 1,306,760.77 475,121.08
34 653,380.39 $ - - 653,380.39 455,520.30
35 653,380.39 $ - - 653,380.39 450,856.97
36 653,380.39 $ 653,380.39 1,000,000.00 2,306,760.77 446,083.73
37 653,380.39 $ - - 653,380.39 402,229.74
38 653,380.39 $ - - 653,380.39 396,310.42
39 653,380.39 $ 653,380.39 - 1,306,760.77 390,251.58
40 653,380.39 $ - - 653,380.39 368,650.52
41 653,380.39 $ - - 653,380.39 361,939.77
42 653,380.39 $ 653,380.39 - 1,306,760.77 355,070.86
43 653,380.39 $ - - 653,380.39 332,640.64
44 653,380.39 $ - - 653,380.39 325,081.18
45 653,380.39 $ 653,380.39 - 1,306,760.77 317,343.55
46 653,380.39 $ - - 653,380.39 294,024.14
47 653,380.39 $ - - 653,380.39 285,554.53
48 653,380.39 $ 653,380.39 1,000,000.00 2,306,760.77 276,885.31
49 653,380.39 $ - - 653,380.39 229,043.51
50 653,380.39 $ - - 653,380.39 219,042.39
51 653,380.39 $ 653,380.39 - 1,306,760.77 208,805.55
52 653,380.39 $ - - 653,380.39 182,928.03
53 653,380.39 $ - - 653,380.39 171,840.01
54 653,380.39 $ 653,380.39 - 1,306,760.77 160,490.67
55 653,380.39 $ - - 653,380.39 133,474.42
56 653,380.39 $ - - 653,380.39 121,220.84
57 653,380.39 $ 653,380.39 - 1,306,760.77 108,678.47
58 653,380.39 $ - - 653,380.39 80,441.06
59 653,380.39 $ - - 653,380.39 66,937.55
60 653,380.39 $ 653,380.39 1,000,000.00 2,306,760.77 53,115.78
ABONO A CAPITAL SALDO
$ 30,000,000
(53,684.59) 30,053,684.59
(54,949.87) 30,108,634.45
597,135.41 29,511,499.04
(42,171.19) 29,553,670.23
(43,165.11) 29,596,835.34
609,197.92 28,987,637.42
(29,824.38) 29,017,461.80
(30,527.31) 29,047,989.11
622,133.59 28,425,855.52
(16,583.84) 28,442,439.36
(16,974.70) 28,459,414.06
1,636,005.61 26,823,408.45
21,183.97 26,802,224.48
21,683.25 26,780,541.23
675,574.68 26,104,966.55
38,116.81 26,066,849.74
39,015.17 26,027,834.57
693,315.10 25,334,519.47
56,275.34 25,278,244.12
57,601.69 25,220,642.44
712,339.68 24,508,302.76
75,748.31 24,432,554.45
77,533.61 24,355,020.85
1,732,741.37 22,622,279.48
120,199.67 22,502,079.81
 123,032.64 22,379,047.17
779,312.76 21,599,734.41
144,299.87 21,455,434.54
147,700.85 21,307,733.69
804,562.37 20,503,171.33
170,144.58 20,333,026.75
174,154.69 20,158,872.06
831,639.70 19,327,232.37
197,860.09 19,129,372.28
202,523.42 18,926,848.86
1,860,677.04 17,066,171.82
251,150.64 16,815,021.18
257,069.97 16,557,951.21
916,509.20 15,641,442.01
284,729.86 15,356,712.15
291,440.61 15,065,271.54
951,689.91 14,113,581.63
320,739.75 13,792,841.88
328,299.21 13,464,542.67
989,417.22 12,475,125.45
359,356.25 12,115,769.20
367,825.85 11,747,943.35
2,029,875.46 9,718,067.89
424,336.87 9,293,731.01
434,338.00 8,859,393.02
1,097,955.22 7,761,437.79
470,452.36 7,290,985.43
481,540.37 6,809,445.06
1,146,270.10 5,663,174.96
519,905.96 5,143,268.99
532,159.54 4,611,109.45
1,198,082.31 3,413,027.14
572,939.32 2,840,087.82
586,442.83 2,253,644.99
2,253,644.99 -
 805503.05
2%
$ 28,000,000.24
$ 35,000,000.30
$ 1,359,004.67
$ 20,531,340.36
$ 6,159,402.11 $ 14,371,938.25 $ 14,371,938.11
$ 1,359,004.68
$ 1,359,004.67
No.
0
1
$ 28,000,000.24 $ 35,000,000.30 2
3
$ 20,531,340.36 4
6159402.10816 5
$ 14,371,938.25 6
$ 1,359,004.68 7
8
9
10
11
12
13
14
15
16
17
18
19
20
1348022.52553 21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
CUOTA ordinaria CUOTA EXTRAORDINARIA TOTAL INTERES ABONO A CAPITAL

$ 805,503.05 $ 805,503.05 560000.00478 $ 245,503.05

$ 805,503.05 $ 805,503.05 555089.94388 $ 250,413.11
$ 805,503.05 $ - $ 805,503.05 550081.68175 $ 255,421.37
$ 805,503.05 $ - $ 805,503.05 544973.25439 $ 260,529.80
$ 805,503.05 $ - $ 805,503.05 539762.65848 $ 265,740.39
$ 805,503.05 $ - $ 805,503.05 534447.85065 $ 271,055.20
$ 805,503.05 $ - $ 805,503.05 529026.74666 $ 276,476.30
$ 805,503.05 $ - $ 805,503.05 523497.22059 $ 282,005.83
$ 805,503.05 $ - $ 805,503.05 517857.104 $ 287,645.95
$ 805,503.05 $ - $ 805,503.05 512104.18508 $ 293,398.86
$ 805,503.05 $ - $ 805,503.05 506236.20779 $ 299,266.84
$ 805,503.05 $ - $ 805,503.05 500250.87094 $ 305,252.18
$ 805,503.05 $ - $ 805,503.05 494145.82736 $ 311,357.22
$ 805,503.05 $ - $ 805,503.05 487918.68291 $ 317,584.37
$ 805,503.05 $ - $ 805,503.05 481566.99557 $ 323,936.05
$ 805,503.05 $ - $ 805,503.05 475088.27448 $ 330,414.78
$ 805,503.05 $ - $ 805,503.05 468479.97897 $ 337,023.07
$ 805,503.05 $ - $ 805,503.05 461739.51755 $ 343,763.53
$ 805,503.05 $ - $ 805,503.05 454864.2469 $ 350,638.80
$ 805,503.05 $ - $ 805,503.05 447851.47084 $ 357,651.58
$ 805,503.05 $ - $ 805,503.05 440698.43925 $ 364,804.61
$ 805,503.05 $ - $ 805,503.05 433402.34704 $ 372,100.70
$ 805,503.05 $ - $ 805,503.05 425960.33298 $ 379,542.72
$ 805,503.05 6275542.17956841 $ 7,081,045.23 418369.47864 $ 6,662,675.75
$ 1,348,022.53 $ 1,348,022.53 285115.96362 $ 1,062,906.56
$ 1,348,022.53 $ 1,348,022.53 263857.83238 $ 1,084,164.69
$ 1,348,022.53 $ 1,348,022.53 242174.53852 $ 1,105,847.99
$ 1,348,022.53 $ 1,348,022.53 220057.57878 $ 1,127,964.95
$ 1,348,022.53 $ 1,348,022.53 197498.27984 $ 1,150,524.25
$ 1,348,022.53 $ 1,348,022.53 174487.79493 $ 1,173,534.73
$ 1,348,022.53 $ 1,348,022.53 151017.10032 $ 1,197,005.43
$ 1,348,022.53 $ 1,348,022.53 127076.99181 $ 1,220,945.53
$ 1,348,022.53 $ 1,348,022.53 102658.08114 $ 1,245,364.44
$ 1,348,022.53 $ 1,348,022.53 77750.792251 $ 1,270,271.73
$ 1,348,022.53 $ 1,348,022.53 52345.357585 $ 1,295,677.17
$ 1,348,022.53 $ 1,348,022.53 26431.814226 $ 1,321,590.71
 SALDO
28,000,000.24
$ 27,754,497.19
$ 27,504,084.09 $ 27,754,497.19
$ 27,248,662.72 $ 22,034,921.96
$ 26,988,132.92
$ 26,722,392.53
$ 26,451,337.33
$ 26,174,861.03
$ 25,892,855.20
$ 25,605,209.25
$ 25,311,810.39
$ 25,012,543.55
$ 24,707,291.37
$ 24,395,934.15
$ 24,078,349.78
$ 23,754,413.72
$ 23,423,998.95
$ 23,086,975.88
$ 22,743,212.34
$ 22,392,573.54
$ 22,034,921.96
$ 21,670,117.35
$ 21,298,016.65
$ 20,918,473.93
$ 14,255,798.18
$ 13,192,891.62
$ 12,108,726.93
$ 11,002,878.94
$ 9,874,913.99
$ 8,724,389.75
$ 7,550,855.02
$ 6,353,849.59
$ 5,132,904.06
$ 3,887,539.61
$ 2,617,267.88
$ 1,321,590.71
$ 0.00
$ 2,000,000 24% NMV
2% PM
26.82% EA
1.961% PMA
0.12616242 11.203% PSA

$ 9,100,832.62

$ 416,694.13 $ 6,372,033.28

$ 9,065,810.05

$ 9,100,832.62

$ 416,694.13
 EJEMPLO
PRESTAMO 15000000 2%
TASA 2% PM 26.8242% 1.96078431%
TIEMPO 12
PAGOS MENSUALES ANTICIPADOS $ 1,387,768.95
$ 416,694.13

No. CUOTA INTERES ABONO A CAPITAL SALDO

0 $ 416,694.13 - $ 416,694.13 $ 416,694.13
1 $ 416,694.13 8,170.47 $ 408,523.66 $ 825,217.79
2 $ 416,694.13 16,180.74 $ 400,513.39 $ 1,225,731.18
3 $ 416,694.13 24,033.94 $ 392,660.19 $ 1,618,391.36
4 $ 416,694.13 31,733.16 $ 384,960.97 $ 2,003,352.33
5 $ 416,694.13 39,281.42 $ 377,412.71 $ 2,380,765.04
6 $ 416,694.13 46,681.67 $ 370,012.46 $ 2,750,777.50
7 $ 416,694.13 53,936.81 $ 362,757.32 $ 3,113,534.82
8 $ 416,694.13 61,049.70 $ 355,644.43 $ 3,469,179.25
9 $ 416,694.13 68,023.12 $ 348,671.01 $ 3,817,850.25
10 $ 416,694.13 74,859.81 $ 341,834.32 $ 4,159,684.57
11 $ 416,694.13 81,562.44 $ 335,131.69 $ 4,494,816.26
12 $ 416,694.13 88,133.65 $ 328,560.48 $ 4,823,376.74
13 $ 416,694.13 94,576.01 $ 322,118.12 $ 5,145,494.86
14 $ 416,694.13 100,892.06 $ 315,802.07 $ 5,461,296.93
15 $ 416,694.13 107,084.25 $ 309,609.88 $ 5,770,906.81
16 $ 416,694.13 113,155.04 $ 303,539.09 $ 6,074,445.90
17 $ 416,694.13 119,106.78 $ 297,587.35 $ 6,372,033.25
18 $ 416,694.13 124,941.83 $ 291,752.30 $ 6,663,785.55
DEUDA
PM 2%
PAGO 1 $ 350,000
PAGO 2 $ 450,000

PERIODO
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
PERIODO CUOTA TASA CAPITAL
0
1 $ 350,000 2% $ 343,137.25
2 $ 350,000 2% $ 336,409.07
3 $ 350,000 2% $ 329,812.82
4 $ 350,000 2% $ 323,345.90
5 $ 350,000 2% $ 317,005.78
6 $ 350,000 2% $ 310,789.98
7 $ 350,000 2% $ 304,696.06
8 $ 350,000 2% $ 298,721.63
9 $ 350,000 2% $ 292,864.34
10 $ 350,000 2% $ 287,121.90
11 $ 350,000 2% $ 281,492.06
12 $ 350,000 2% $ 275,972.61
13 $ 450,000 2% $ 347,864.64
14 $ 450,000 2% $ 341,043.76
15 $ 450,000 2% $ 334,356.63
16 $ 450,000 2% $ 327,800.62
17 $ 450,000 2% $ 321,373.15
18 $ 450,000 2% $ 315,071.72
$ 5,688,879.94
 CREDITO $ 20,000,000 EA 29%
MV 24% PM 2.14%
PERIODO 60
PM 2%
ANUALIDAD $ 575,359.32

PERIODO 6
TIEMPO $ 3,642,630.14
TASA NOMINAL 24% NMV EA 26.82%
PM 2% PT 6.12%
Valor Vh $ 15,000,000 PS 12.62%

De contado $ 2,250,000
Saldo $ 12,750,000
Periodo 24
Cuotas $ 674,106.49

Seis meses $ 7,500,000.0 $ 10,711,846.86 $ 24,126,558.74

12 meses $ 4,500,000.0 $ 5,707,088.08 $ 7,707,623.81
Restante $ 3,000,000.0
Cuotas $ 574,677.32

Tres meses $ 3,750,000.00 $ 5,355,923.43 $ 22,734,995.16

Cuotas $ 2,483,940.56 $ 17,379,071.73

De contado $ 4,500,000.0
Saldo $ 10,500,000.0
Cuotas $ 3,501,931.41