Grupo Mitite

Finanzas Empresariales
Crédito con Pagos Constantes
Estimación del CAT con periodo de gracia sobre principal e intereses

Valor Presente de un Anualidad Diferida Notación Descripción

r Tasa de interés efectiva mensua
P Monto del pago fijo
1 1 
C1   VP Monto del crédito
n 
 r r   
1  r n # de pagos
VPA   D Plazo de diferimiento (principa
(1  r ) D

Estimación del monto del pago fijo

Monto 15,000
Comisión 1,500
Seguro mensual 50 Monto * (1+r)^D 16570.69601
Viáticos mensual 75 1/r 120
Reciprocidad 5% (1+r)^n 1.220390961
Tasa de Interés 10% r (1+r)^n 0.01
Plazo 24 meses 1 / r (1+r)^n 98.33
Periodo de gracia 12 meses FVP 21.67
C1 764.65

Estimación del Monto Disponible Tabal de amortización

Monto 15000 t
Comisión -1500 1
Reciprocidad -750 2
Disponible 12750 3
4
5
Costo Anual Total 6
7
CAT  1  TIRM   1 8
12
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
 a de interés efectiva mensual
nto del pago fijo
nto del crédito

zo de diferimiento (principal e intereses)

monto del pago fijo

e amortización
t Flujos
Incial Intereses Fijo Amort Final 0 12,750.00
15,000 125 0 -125 15,125.00 1 -125.00
15,125.00 126.041667 0 -126.041667 15,251.04 2 -125.00
15,251.04 127.092014 0 -127.092014 15,378.13 3 -125.00
15,378.13 128.151114 0 -128.151114 15,506.28 4 -125.00
15,506.28 129.21904 0 -129.21904 15,635.50 5 -125.00
15,635.50 130.295865 0 -130.295865 15,765.80 6 -125.00
15,765.80 131.381664 0 -131.381664 15,897.18 7 -125.00
15,897.18 132.476511 0 -132.476511 16,029.66 8 -125.00
16,029.66 133.580482 0 -133.580482 16,163.24 9 -125.00
16,163.24 134.693653 0 -134.693653 16,297.93 10 -125.00
16,297.93 135.8161 0 -135.8161 16,433.75 11 -125.00
16,433.75 136.947901 0 -136.947901 16,570.70 12 -125.00
16,570.70 138.089133 764.65 626.5644134 15,944.13 13 -889.65
15,944.13 132.867763 764.65 631.7857835 15,312.35 14 -889.65
15,312.35 127.602882 764.65 637.050665 14,675.30 15 -889.65
14,675.30 122.294126 764.65 642.3594206 14,032.94 16 -889.65
14,032.94 116.941131 764.65 647.7124157 13,385.22 17 -889.65
13,385.22 111.543528 764.65 653.1100192 12,732.11 18 -889.65
12,732.11 106.100944 764.65 658.5526027 12,073.56 19 -889.65
12,073.56 100.613006 764.65 664.0405411 11,409.52 20 -889.65
11,409.52 95.0793346 764.65 669.5742122 10,739.95 21 -889.65
10,739.95 89.4995495 764.65 675.1539973 10,064.79 22 -889.65
10,064.79 83.8732662 764.65 680.7802806 9,384.01 23 -889.65
9,384.01 78.2000972 764.65 686.4534496 8,697.56 24 -889.65
8,697.56 72.4796518 764.65 692.1738951 8,005.38 25 -889.65
8,005.38 66.711536 764.65 697.9420109 7,307.44 26 -889.65
7,307.44 60.8953525 764.65 703.7581943 6,603.68 27 -889.65
6,603.68 55.0307009 764.65 709.6228459 5,894.06 28 -889.65
5,894.06 49.1171772 764.65 715.5363696 5,178.52 29 -889.65
5,178.52 43.1543741 764.65 721.4991727 4,457.03 30 -889.65
4,457.03 37.141881 764.65 727.5116658 3,729.51 31 -889.65
3,729.51 31.0792838 764.65 733.574263 2,995.94 32 -889.65
2,995.94 24.9661649 764.65 739.6873819 2,256.25 33 -889.65
2,256.25 18.8021034 764.65 745.8514434 1,510.40 34 -889.65
1,510.40 12.5866747 764.65 752.0668721 758.33 35 -889.65
758.33 6.3194508 764.65 758.334096 0.00 36 -889.65
 TIR CAT
2.63% 36.60%
Grupo Mitite
Finanzas Empresariales
Crédito con Pagos Constantes
Estimación del CAT con periodo de gracia sobre principal e intereses

Valor Presente de un Anualidad Notación Descripción

r Tasa de interés efectiva men
P Monto del pago fijo
1 1 
VPA  C1   VP Monto del crédito
n 
 r r   
1  r n
D
# de pagos
Diferimiento del princial

Estimación del monto del pago fijo

Monto 15,000
Comisión 1,500
Seguro mensual 50 VP 15,000
Viáticos mensual 75 1/r 120
Reciprocidad 5% (1+r)^n 1.220390961
Tasa de Interés 10% r (1+r)^n 0.01
Plazo 24 meses 1 / r (1+r)^n 98.33
Periodo de gracia 12 meses FVP 21.67
C1 692.17

Estimación del Monto Disponible Tabal de amortización

Monto 15000 t
Comisión -1500 1
Reciprocidad -750 2
Disponible 12750 3
4
5
Costo Anual Total 6
7

CAT  1  TIRM   1
12 8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
 a de interés efectiva mensual
nto del pago fijo
nto del crédito

erimiento del princial

monto del pago fijo

e amortización
t
Incial Intereses Fijo Amort Final 0
15,000 125 125 0 15,000.00 1
15,000.00 125 125 0 15,000.00 2
15,000.00 125 125 0 15,000.00 3
15,000.00 125 125 0 15,000.00 4
15,000.00 125 125 0 15,000.00 5
15,000.00 125 125 0 15,000.00 6
15,000.00 125 125 0 15,000.00 7
15,000.00 125 125 0 15,000.00 8
15,000.00 125 125 0 15,000.00 9
15,000.00 125 125 0 15,000.00 10
15,000.00 125 125 0 15,000.00 11
15,000.00 125 125 0 15,000.00 12
15,000.00 125 692.17 567.1738951 14,432.83 13
14,432.83 120.273551 692.17 571.9003442 13,860.93 14
13,860.93 115.507715 692.17 576.6661804 13,284.26 15
13,284.26 110.702163 692.17 581.4717319 12,702.79 16
12,702.79 105.856565 692.17 586.3173297 12,116.47 17
12,116.47 100.970588 692.17 591.2033074 11,525.27 18
11,525.27 96.0438934 692.17 596.1300016 10,929.14 19
10,929.14 91.0761434 692.17 601.0977516 10,328.04 20
10,328.04 86.0669955 692.17 606.1068996 9,721.93 21
9,721.93 81.0161047 692.17 611.1577904 9,110.77 22
9,110.77 75.9231231 692.17 616.250772 8,494.52 23
8,494.52 70.7877 692.17 621.3861951 7,873.14 24
7,873.14 65.6094817 692.17 626.5644134 7,246.57 25
7,246.57 60.3881116 692.17 631.7857835 6,614.79 26
6,614.79 55.12323 692.17 637.050665 5,977.74 27
5,977.74 49.8144745 692.17 642.3594206 5,335.38 28
5,335.38 44.4614793 692.17 647.7124157 4,687.67 29
4,687.67 39.0638759 692.17 653.1100192 4,034.56 30
4,034.56 33.6212924 692.17 658.5526027 3,376.00 31
3,376.00 28.133354 692.17 664.0405411 2,711.96 32
2,711.96 22.5996828 692.17 669.5742122 2,042.39 33
2,042.39 17.0198977 692.17 675.1539973 1,367.23 34
1,367.23 11.3936144 692.17 680.7802806 686.45 35
686.45 5.72044541 692.17 686.4534496 0.00 36
 Flujos TIR CAT
12,750.00 2.77% 38.77%
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-250.00
-817.17
-817.17
-817.17
-817.17
-817.17
-817.17
-817.17
-817.17
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-817.17
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