Evaluación de un Plan de Financiación

Institución Universitaria Politécnico Gran Colombiano

Matemáticas financieras

Bogotá D.C
 Introducción

Un plan de financiamiento es una herramienta que permite definir fuentes para la mejor

elección del plan que será aplicado al negocio, en este caso al crédito de vivienda que se eligió.

Cuando el acreedor escoge la entidad a la que quiere acceder, allí se recibe la información

sobre el costo total, el plazo, el tipo de tasa, sistema de amortización, cancelación anticipada.

A través del desarrollo del trabajo se presenta la entidad financiera y las razones por la cual

fue seleccionada para la continuidad del proyecto.

 Objetivos

Objetivo General

Evaluar e identificar las líneas de financiamiento que otorgan las entidades bancarias en

Colombia, a través de un estudio donde se pueda analizar la información recolectada y tomar

decisiones sobre el crédito más adecuado, teniendo en cuenta la viabilidad económica del

acreedor y siguiendo los requerimientos exigidos por la entidad financiera.

Objetivos Específicos

 Describir los requerimientos para la obtención del crédito

 Desarrollar alternativas para la modalidad de pago.

 Elaborar un cuadro de amortización, con base a la línea de financiamiento seleccionada y

las diferentes alternativas de pago; teniendo en cuenta la solicitud del cliente de

elaborarlo tanto en pesos colombianos - COP como en Unidad de Valor Real – UVR.

 Conocer las alternativas que ofrecen las entidades financieras y de esta forma elegir la

más adecuada


 Planteamiento Del Caso

Crédito de vivienda

Andrés Otalvaro tiene 24 años y quiere hacer la compra de una casa, pero no cuenta con el

dinero suficiente, esto hace que busque una alternativa a través de una identidad bancaria, lo

primero que hace es analizar todas estas entidades para ver cuál es la más favorable para su

situación económica.

La casa que él quiere cuesta $ 80.000.000, y actualmente tiene ingresos de $ 2.000.000

mensuales y cuenta con un ahorro de $ 16.000.000 para la compra de su vivienda, siendo así él

hará su crédito por $64.000.000.

Llevará a cabo el proceso con Bancolombia.

Requerimientos

 Edad entre 18 y 72 años

 El crédito aplica para vivienda nueva o usada, urbana o rural para todos los estratos

 El valor comercial mínimo debe ser de 40 SMMLV.

 El monto máximo de financiación es de hasta el 70% del valor comercial para vivienda

superior a VIS (Vivienda de Interés Social) y hasta el 80% del valor comercial para

Vivienda de Interés Social.

 El aspirante al crédito hipotecario debe cancelar los gastos de avaluó, estudio de títulos y

escrituración.

 Monto mínimo: 35.112.120

  Plazo: 5-20 años

 Porcentaje al que presta el banco:70%

 Tasa de interés VIS: 9.80% - mes vencido desde 0.78%

 Tasa de interés NO VIS: 10.90%- mes vendido desde 0.87%

Luego de revisar y analizar las posibilidades de pago que le ofrece Bancolombia a Andrés,

él decide tomar el crédito hipotecario por un valor total de $64.000.000 COP, a un plazo de 20

años y bajo el sistema de amortización en pesos a cuota fija.

Tablas de amortización

Tabla de amortización en UVR

Fecha 20/09/2020 Descripción

Monto 64.000.000  
20 Años
Plazo
240 Meses
UVR 269,4891  
Monto crédito en
UVR 237.486,41  
UVR +
Tasa 7.55% EA
0,92% MV
 TABLA UNIDADES UVR
SALDO ABONO SALDO
PERIODO INICIAL INTERESES PAGO CAPITAL FINAL
0 $237.486,41       $237.486,41
1 $237.486,41 $2.184,87 $2.457,78 $272,90 $237.213,51
2 $237.213,51 $2.182,36 $2.457,78 $275,41 $236.938,10
3 $236.938,10 $2.179,83 $2.457,78 $277,94 $236.660,15
4 $236.660,15 $2.177,27 $2.457,78 $280,50 $236.379,65
5 $236.379,65 $2.174,69 $2.457,78 $283,08 $236.096,57
6 $236.096,57 $2.172,09 $2.457,78 $285,69 $235.810,88
7 $235.810,88 $2.169,46 $2.457,78 $288,32 $235.522,57
8 $235.522,57 $2.166,81 $2.457,78 $290,97 $235.231,60
9 $235.231,60 $2.164,13 $2.457,78 $293,64 $234.937,95
10 $234.937,95 $2.161,43 $2.457,78 $296,35 $234.641,61
11 $234.641,61 $2.158,70 $2.457,78 $299,07 $234.342,54
12 $234.342,54 $2.155,95 $2.457,78 $301,82 $234.040,71
13 $234.040,71 $2.153,17 $2.457,78 $304,60 $233.736,11
14 $233.736,11 $2.150,37 $2.457,78 $307,40 $233.428,71
15 $233.428,71 $2.147,54 $2.457,78 $310,23 $233.118,48
16 $233.118,48 $2.144,69 $2.457,78 $313,09 $232.805,39
17 $232.805,39 $2.141,81 $2.457,78 $315,97 $232.489,42
18 $232.489,42 $2.138,90 $2.457,78 $318,87 $232.170,55
19 $232.170,55 $2.135,97 $2.457,78 $321,81 $231.848,75
20 $231.848,75 $2.133,01 $2.457,78 $324,77 $231.523,98
21 $231.523,98 $2.130,02 $2.457,78 $327,75 $231.196,22
22 $231.196,22 $2.127,01 $2.457,78 $330,77 $230.865,45
23 $230.865,45 $2.123,96 $2.457,78 $333,81 $230.531,64
24 $230.531,64 $2.120,89 $2.457,78 $336,88 $230.194,76
25 $230.194,76 $2.117,79 $2.457,78 $339,98 $229.854,77
26 $229.854,77 $2.114,66 $2.457,78 $343,11 $229.511,66
27 $229.511,66 $2.111,51 $2.457,78 $346,27 $229.165,39
28 $229.165,39 $2.108,32 $2.457,78 $349,45 $228.815,94
29 $228.815,94 $2.105,11 $2.457,78 $352,67 $228.463,27
30 $228.463,27 $2.101,86 $2.457,78 $355,91 $228.107,36
31 $228.107,36 $2.098,59 $2.457,78 $359,19 $227.748,17
32 $227.748,17 $2.095,28 $2.457,78 $362,49 $227.385,68
33 $227.385,68 $2.091,95 $2.457,78 $365,83 $227.019,85
34 $227.019,85 $2.088,58 $2.457,78 $369,19 $226.650,66
35 $226.650,66 $2.085,19 $2.457,78 $372,59 $226.278,07
36 $226.278,07 $2.081,76 $2.457,78 $376,02 $225.902,05
37 $225.902,05 $2.078,30 $2.457,78 $379,48 $225.522,57
38 $225.522,57 $2.074,81 $2.457,78 $382,97 $225.139,61
39 $225.139,61 $2.071,28 $2.457,78 $386,49 $224.753,12
40 $224.753,12 $2.067,73 $2.457,78 $390,05 $224.363,07
41 $224.363,07 $2.064,14 $2.457,78 $393,64 $223.969,43
42 $223.969,43 $2.060,52 $2.457,78 $397,26 $223.572,18
43 $223.572,18 $2.056,86 $2.457,78 $400,91 $223.171,27
44 $223.171,27 $2.053,18 $2.457,78 $404,60 $222.766,67
45 $222.766,67 $2.049,45 $2.457,78 $408,32 $222.358,34
46 $222.358,34 $2.045,70 $2.457,78 $412,08 $221.946,27
47 $221.946,27 $2.041,91 $2.457,78 $415,87 $221.530,40
48 $221.530,40 $2.038,08 $2.457,78 $419,70 $221.110,70
49 $221.110,70 $2.034,22 $2.457,78 $423,56 $220.687,14
50 $220.687,14 $2.030,32 $2.457,78 $427,45 $220.259,69
51 $220.259,69 $2.026,39 $2.457,78 $431,39 $219.828,30
52 $219.828,30 $2.022,42 $2.457,78 $435,36 $219.392,95
53 $219.392,95 $2.018,42 $2.457,78 $439,36 $218.953,59
54 $218.953,59 $2.014,37 $2.457,78 $443,40 $218.510,19
55 $218.510,19 $2.010,29 $2.457,78 $447,48 $218.062,70
56 $218.062,70 $2.006,18 $2.457,78 $451,60 $217.611,11
57 $217.611,11 $2.002,02 $2.457,78 $455,75 $217.155,35
58 $217.155,35 $1.997,83 $2.457,78 $459,95 $216.695,41
59 $216.695,41 $1.993,60 $2.457,78 $464,18 $216.231,23
60 $216.231,23 $1.989,33 $2.457,78 $468,45 $215.762,78
61 $215.762,78 $1.985,02 $2.457,78 $472,76 $215.290,02
62 $215.290,02 $1.980,67 $2.457,78 $477,11 $214.812,92
63 $214.812,92 $1.976,28 $2.457,78 $481,50 $214.331,42
64 $214.331,42 $1.971,85 $2.457,78 $485,93 $213.845,49
65 $213.845,49 $1.967,38 $2.457,78 $490,40 $213.355,10
66 $213.355,10 $1.962,87 $2.457,78 $494,91 $212.860,19
67 $212.860,19 $1.958,31 $2.457,78 $499,46 $212.360,73
68 $212.360,73 $1.953,72 $2.457,78 $504,06 $211.856,67
69 $211.856,67 $1.949,08 $2.457,78 $508,69 $211.347,97
70 $211.347,97 $1.944,40 $2.457,78 $513,37 $210.834,60
71 $210.834,60 $1.939,68 $2.457,78 $518,10 $210.316,50
72 $210.316,50 $1.934,91 $2.457,78 $522,86 $209.793,64
73 $209.793,64 $1.930,10 $2.457,78 $527,67 $209.265,97
74 $209.265,97 $1.925,25 $2.457,78 $532,53 $208.733,44
 75 $208.733,44 $1.920,35 $2.457,78 $537,43 $208.196,01
76 $208.196,01 $1.915,40 $2.457,78 $542,37 $207.653,64
77 $207.653,64 $1.910,41 $2.457,78 $547,36 $207.106,28
78 $207.106,28 $1.905,38 $2.457,78 $552,40 $206.553,88
79 $206.553,88 $1.900,30 $2.457,78 $557,48 $205.996,40
80 $205.996,40 $1.895,17 $2.457,78 $562,61 $205.433,79
81 $205.433,79 $1.889,99 $2.457,78 $567,78 $204.866,00
82 $204.866,00 $1.884,77 $2.457,78 $573,01 $204.293,00
83 $204.293,00 $1.879,50 $2.457,78 $578,28 $203.714,72
84 $203.714,72 $1.874,18 $2.457,78 $583,60 $203.131,12
85 $203.131,12 $1.868,81 $2.457,78 $588,97 $202.542,15
86 $202.542,15 $1.863,39 $2.457,78 $594,39 $201.947,76
87 $201.947,76 $1.857,92 $2.457,78 $599,86 $201.347,90
88 $201.347,90 $1.852,40 $2.457,78 $605,37 $200.742,53
89 $200.742,53 $1.846,83 $2.457,78 $610,94 $200.131,59
90 $200.131,59 $1.841,21 $2.457,78 $616,56 $199.515,02
91 $199.515,02 $1.835,54 $2.457,78 $622,24 $198.892,78
92 $198.892,78 $1.829,81 $2.457,78 $627,96 $198.264,82
93 $198.264,82 $1.824,04 $2.457,78 $633,74 $197.631,08
94 $197.631,08 $1.818,21 $2.457,78 $639,57 $196.991,51
95 $196.991,51 $1.812,32 $2.457,78 $645,45 $196.346,06
96 $196.346,06 $1.806,38 $2.457,78 $651,39 $195.694,67
97 $195.694,67 $1.800,39 $2.457,78 $657,38 $195.037,28
98 $195.037,28 $1.794,34 $2.457,78 $663,43 $194.373,85
99 $194.373,85 $1.788,24 $2.457,78 $669,54 $193.704,32
100 $193.704,32 $1.782,08 $2.457,78 $675,70 $193.028,62
101 $193.028,62 $1.775,86 $2.457,78 $681,91 $192.346,71
102 $192.346,71 $1.769,59 $2.457,78 $688,19 $191.658,52
103 $191.658,52 $1.763,26 $2.457,78 $694,52 $190.964,00
104 $190.964,00 $1.756,87 $2.457,78 $700,91 $190.263,10
105 $190.263,10 $1.750,42 $2.457,78 $707,35 $189.555,74
106 $189.555,74 $1.743,91 $2.457,78 $713,86 $188.841,88
107 $188.841,88 $1.737,35 $2.457,78 $720,43 $188.121,45
108 $188.121,45 $1.730,72 $2.457,78 $727,06 $187.394,39
109 $187.394,39 $1.724,03 $2.457,78 $733,75 $186.660,65
110 $186.660,65 $1.717,28 $2.457,78 $740,50 $185.920,15
111 $185.920,15 $1.710,47 $2.457,78 $747,31 $185.172,84
112 $185.172,84 $1.703,59 $2.457,78 $754,19 $184.418,65
113 $184.418,65 $1.696,65 $2.457,78 $761,12 $183.657,53
114 $183.657,53 $1.689,65 $2.457,78 $768,13 $182.889,40
115 $182.889,40 $1.682,58 $2.457,78 $775,19 $182.114,21
116 $182.114,21 $1.675,45 $2.457,78 $782,32 $181.331,89
117 $181.331,89 $1.668,25 $2.457,78 $789,52 $180.542,36
118 $180.542,36 $1.660,99 $2.457,78 $796,79 $179.745,58
119 $179.745,58 $1.653,66 $2.457,78 $804,12 $178.941,46
120 $178.941,46 $1.646,26 $2.457,78 $811,51 $178.129,95
121 $178.129,95 $1.638,80 $2.457,78 $818,98 $177.310,97
122 $177.310,97 $1.631,26 $2.457,78 $826,51 $176.484,45
123 $176.484,45 $1.623,66 $2.457,78 $834,12 $175.650,33
124 $175.650,33 $1.615,98 $2.457,78 $841,79 $174.808,54
125 $174.808,54 $1.608,24 $2.457,78 $849,54 $173.959,01
126 $173.959,01 $1.600,42 $2.457,78 $857,35 $173.101,65
127 $173.101,65 $1.592,54 $2.457,78 $865,24 $172.236,41
128 $172.236,41 $1.584,57 $2.457,78 $873,20 $171.363,21
129 $171.363,21 $1.576,54 $2.457,78 $881,23 $170.481,98
130 $170.481,98 $1.568,43 $2.457,78 $889,34 $169.592,64
131 $169.592,64 $1.560,25 $2.457,78 $897,52 $168.695,11
132 $168.695,11 $1.552,00 $2.457,78 $905,78 $167.789,33
133 $167.789,33 $1.543,66 $2.457,78 $914,11 $166.875,22
134 $166.875,22 $1.535,25 $2.457,78 $922,52 $165.952,70
135 $165.952,70 $1.526,76 $2.457,78 $931,01 $165.021,69
136 $165.021,69 $1.518,20 $2.457,78 $939,58 $164.082,11
137 $164.082,11 $1.509,56 $2.457,78 $948,22 $163.133,89
138 $163.133,89 $1.500,83 $2.457,78 $956,94 $162.176,95
139 $162.176,95 $1.492,03 $2.457,78 $965,75 $161.211,20
140 $161.211,20 $1.483,14 $2.457,78 $974,63 $160.236,57
141 $160.236,57 $1.474,18 $2.457,78 $983,60 $159.252,97
142 $159.252,97 $1.465,13 $2.457,78 $992,65 $158.260,32
143 $158.260,32 $1.455,99 $2.457,78 $1.001,78 $157.258,54
144 $157.258,54 $1.446,78 $2.457,78 $1.011,00 $156.247,54
145 $156.247,54 $1.437,48 $2.457,78 $1.020,30 $155.227,25
146 $155.227,25 $1.428,09 $2.457,78 $1.029,68 $154.197,56
147 $154.197,56 $1.418,62 $2.457,78 $1.039,16 $153.158,40
148 $153.158,40 $1.409,06 $2.457,78 $1.048,72 $152.109,68
149 $152.109,68 $1.399,41 $2.457,78 $1.058,37 $151.051,32
150 $151.051,32 $1.389,67 $2.457,78 $1.068,10 $149.983,21
151 $149.983,21 $1.379,85 $2.457,78 $1.077,93 $148.905,28
152 $148.905,28 $1.369,93 $2.457,78 $1.087,85 $147.817,44
153 $147.817,44 $1.359,92 $2.457,78 $1.097,85 $146.719,58
154 $146.719,58 $1.349,82 $2.457,78 $1.107,96 $145.611,63
155 $145.611,63 $1.339,63 $2.457,78 $1.118,15 $144.493,48
156 $144.493,48 $1.329,34 $2.457,78 $1.128,44 $143.365,04
157 $143.365,04 $1.318,96 $2.457,78 $1.138,82 $142.226,23
158 $142.226,23 $1.308,48 $2.457,78 $1.149,29 $141.076,93
159 $141.076,93 $1.297,91 $2.457,78 $1.159,87 $139.917,07
160 $139.917,07 $1.287,24 $2.457,78 $1.170,54 $138.746,53
161 $138.746,53 $1.276,47 $2.457,78 $1.181,31 $137.565,22
162 $137.565,22 $1.265,60 $2.457,78 $1.192,18 $136.373,04
163 $136.373,04 $1.254,63 $2.457,78 $1.203,14 $135.169,90
164 $135.169,90 $1.243,56 $2.457,78 $1.214,21 $133.955,69
165 $133.955,69 $1.232,39 $2.457,78 $1.225,38 $132.730,31
166 $132.730,31 $1.221,12 $2.457,78 $1.236,66 $131.493,65
167 $131.493,65 $1.209,74 $2.457,78 $1.248,03 $130.245,62
168 $130.245,62 $1.198,26 $2.457,78 $1.259,52 $128.986,10
169 $128.986,10 $1.186,67 $2.457,78 $1.271,10 $127.715,00
170 $127.715,00 $1.174,98 $2.457,78 $1.282,80 $126.432,20
171 $126.432,20 $1.163,18 $2.457,78 $1.294,60 $125.137,60
172 $125.137,60 $1.151,27 $2.457,78 $1.306,51 $123.831,09
173 $123.831,09 $1.139,25 $2.457,78 $1.318,53 $122.512,56
174 $122.512,56 $1.127,12 $2.457,78 $1.330,66 $121.181,90
175 $121.181,90 $1.114,87 $2.457,78 $1.342,90 $119.839,00
176 $119.839,00 $1.102,52 $2.457,78 $1.355,26 $118.483,74
177 $118.483,74 $1.090,05 $2.457,78 $1.367,72 $117.116,02
178 $117.116,02 $1.077,47 $2.457,78 $1.380,31 $115.735,71
179 $115.735,71 $1.064,77 $2.457,78 $1.393,01 $114.342,70
180 $114.342,70 $1.051,95 $2.457,78 $1.405,82 $112.936,88
181 $112.936,88 $1.039,02 $2.457,78 $1.418,76 $111.518,12
182 $111.518,12 $1.025,97 $2.457,78 $1.431,81 $110.086,32
183 $110.086,32 $1.012,79 $2.457,78 $1.444,98 $108.641,33
184 $108.641,33 $999,50 $2.457,78 $1.458,28 $107.183,06
185 $107.183,06 $986,08 $2.457,78 $1.471,69 $105.711,37
186 $105.711,37 $972,54 $2.457,78 $1.485,23 $104.226,14
187 $104.226,14 $958,88 $2.457,78 $1.498,89 $102.727,24
188 $102.727,24 $945,09 $2.457,78 $1.512,68 $101.214,56
189 $101.214,56 $931,17 $2.457,78 $1.526,60 $99.687,96
190 $99.687,96 $917,13 $2.457,78 $1.540,65 $98.147,31
191 $98.147,31 $902,96 $2.457,78 $1.554,82 $96.592,49
192 $96.592,49 $888,65 $2.457,78 $1.569,12 $95.023,36
193 $95.023,36 $874,21 $2.457,78 $1.583,56 $93.439,80
194 $93.439,80 $859,65 $2.457,78 $1.598,13 $91.841,68
195 $91.841,68 $844,94 $2.457,78 $1.612,83 $90.228,84
196 $90.228,84 $830,11 $2.457,78 $1.627,67 $88.601,17
197 $88.601,17 $815,13 $2.457,78 $1.642,64 $86.958,53
198 $86.958,53 $800,02 $2.457,78 $1.657,76 $85.300,77
199 $85.300,77 $784,77 $2.457,78 $1.673,01 $83.627,76
200 $83.627,76 $769,38 $2.457,78 $1.688,40 $81.939,36
201 $81.939,36 $753,84 $2.457,78 $1.703,93 $80.235,43
202 $80.235,43 $738,17 $2.457,78 $1.719,61 $78.515,82
203 $78.515,82 $722,35 $2.457,78 $1.735,43 $76.780,39
204 $76.780,39 $706,38 $2.457,78 $1.751,40 $75.028,99
205 $75.028,99 $690,27 $2.457,78 $1.767,51 $73.261,49
206 $73.261,49 $674,01 $2.457,78 $1.783,77 $71.477,72
207 $71.477,72 $657,59 $2.457,78 $1.800,18 $69.677,54
208 $69.677,54 $641,03 $2.457,78 $1.816,74 $67.860,79
209 $67.860,79 $624,32 $2.457,78 $1.833,46 $66.027,34
210 $66.027,34 $607,45 $2.457,78 $1.850,32 $64.177,01
211 $64.177,01 $590,43 $2.457,78 $1.867,35 $62.309,67
212 $62.309,67 $573,25 $2.457,78 $1.884,53 $60.425,14
213 $60.425,14 $555,91 $2.457,78 $1.901,86 $58.523,28
214 $58.523,28 $538,41 $2.457,78 $1.919,36 $56.603,92
215 $56.603,92 $520,76 $2.457,78 $1.937,02 $54.666,90
216 $54.666,90 $502,94 $2.457,78 $1.954,84 $52.712,06
217 $52.712,06 $484,95 $2.457,78 $1.972,82 $50.739,23
218 $50.739,23 $466,80 $2.457,78 $1.990,97 $48.748,26
219 $48.748,26 $448,48 $2.457,78 $2.009,29 $46.738,97
220 $46.738,97 $430,00 $2.457,78 $2.027,78 $44.711,19
221 $44.711,19 $411,34 $2.457,78 $2.046,43 $42.664,76
222 $42.664,76 $392,52 $2.457,78 $2.065,26 $40.599,50
223 $40.599,50 $373,52 $2.457,78 $2.084,26 $38.515,24
224 $38.515,24 $354,34 $2.457,78 $2.103,44 $36.411,80
225 $36.411,80 $334,99 $2.457,78 $2.122,79 $34.289,01
226 $34.289,01 $315,46 $2.457,78 $2.142,32 $32.146,70
227 $32.146,70 $295,75 $2.457,78 $2.162,03 $29.984,67
228 $29.984,67 $275,86 $2.457,78 $2.181,92 $27.802,76
229 $27.802,76 $255,79 $2.457,78 $2.201,99 $25.600,77
230 $25.600,77 $235,53 $2.457,78 $2.222,25 $23.378,52
231 $23.378,52 $215,08 $2.457,78 $2.242,69 $21.135,82
232 $21.135,82 $194,45 $2.457,78 $2.263,33 $18.872,50
233 $18.872,50 $173,63 $2.457,78 $2.284,15 $16.588,35
234 $16.588,35 $152,61 $2.457,78 $2.305,16 $14.283,19
 235 $14.283,19 $131,41 $2.457,78 $2.326,37 $11.956,82
236 $11.956,82 $110,00 $2.457,78 $2.347,77 $9.609,05
237 $9.609,05 $88,40 $2.457,78 $2.369,37 $7.239,67
238 $7.239,67 $66,60 $2.457,78 $2.391,17 $4.848,50
239 $4.848,50 $44,61 $2.457,78 $2.413,17 $2.435,33
240 $2.435,33 $22,41 $2.457,78 $2.435,37 -0,04
$237.486,45

Tabla de amortización en UVR equivalente en pesos

TABLA UVR CUOTAS EN PESOS

SALDO ABONO SALDO
PERIODO UVR INICIAL INTERESES PAGO CAPITAL FINAL
$ $ $
0 269,4891 $ 63.999.999 - - $ - $ 63.999.999
$
1 269,4891 $ 63.999.999 $ 588.800 $ 662.344 $ 73.544 $ 63.926.455
$
2 269,4891 $ 63.926.455 $ 588.123 $ 662.344 $ 74.220 $ 63.852.235
$
3 269,4891 $ 63.852.235 $ 587.441 $ 662.344 $ 74.903 $ 63.777.332
$
4 269,4891 $ 63.777.332 $ 586.751 $ 662.344 $ 75.592 $ 63.701.740
$
5 269,4891 $ 63.701.740 $ 586.056 $ 662.344 $ 76.288 $ 63.625.452
$
6 269,4891 $ 63.625.452 $ 585.354 $ 662.344 $ 76.990 $ 63.548.462
$
7 269,4891 $ 63.548.462 $ 584.646 $ 662.344 $ 77.698 $ 63.470.765
$
8 269,4891 $ 63.470.765 $ 583.931 $ 662.344 $ 78.413 $ 63.392.352
$
9 269,4891 $ 63.392.352 $ 583.210 $ 662.344 $ 79.134 $ 63.313.218
$
10 269,4891 $ 63.313.218 $ 582.482 $ 662.344 $ 79.862 $ 63.233.356
$
11 269,4891 $ 63.233.356 $ 581.747 $ 662.344 $ 80.597 $ 63.152.759
$
12 269,4891 $ 63.152.759 $ 581.005 $ 662.344 $ 81.338 $ 63.071.421
13 $ $ 63.071.421 $ 580.257 $ 662.344 $ 82.087 $ 62.989.334
 269,4891
$
14 269,4891 $ 62.989.334 $ 579.502 $ 662.344 $ 82.842 $ 62.906.492
$
15 269,4891 $ 62.906.492 $ 578.740 $ 662.344 $ 83.604 $ 62.822.888
$
16 269,4891 $ 62.822.888 $ 577.971 $ 662.344 $ 84.373 $ 62.738.515
$
17 269,4891 $ 62.738.515 $ 577.194 $ 662.344 $ 85.149 $ 62.653.366
$
18 269,4891 $ 62.653.366 $ 576.411 $ 662.344 $ 85.933 $ 62.567.433
$
19 269,4891 $ 62.567.433 $ 575.620 $ 662.344 $ 86.723 $ 62.480.710
$
20 269,4891 $ 62.480.710 $ 574.823 $ 662.344 $ 87.521 $ 62.393.189
$
21 269,4891 $ 62.393.189 $ 574.017 $ 662.344 $ 88.326 $ 62.304.862
$
22 269,4891 $ 62.304.862 $ 573.205 $ 662.344 $ 89.139 $ 62.215.723
$
23 269,4891 $ 62.215.723 $ 572.385 $ 662.344 $ 89.959 $ 62.125.764
$
24 269,4891 $ 62.125.764 $ 571.557 $ 662.344 $ 90.787 $ 62.034.978
$
25 269,4891 $ 62.034.978 $ 570.722 $ 662.344 $ 91.622 $ 61.943.356
$
26 269,4891 $ 61.943.356 $ 569.879 $ 662.344 $ 92.465 $ 61.850.891
$
27 269,4891 $ 61.850.891 $ 569.028 $ 662.344 $ 93.315 $ 61.757.576
$
28 269,4891 $ 61.757.576 $ 568.170 $ 662.344 $ 94.174 $ 61.663.402
$
29 269,4891 $ 61.663.402 $ 567.303 $ 662.344 $ 95.040 $ 61.568.361
$
30 269,4891 $ 61.568.361 $ 566.429 $ 662.344 $ 95.915 $ 61.472.446
$
31 269,4891 $ 61.472.446 $ 565.547 $ 662.344 $ 96.797 $ 61.375.649
$
32 269,4891 $ 61.375.649 $ 564.656 $ 662.344 $ 97.688 $ 61.277.962
$
33 269,4891 $ 61.277.962 $ 563.757 $ 662.344 $ 98.586 $ 61.179.375
$
34 269,4891 $ 61.179.375 $ 562.850 $ 662.344 $ 99.493 $ 61.079.882
$
35 269,4891 $ 61.079.882 $ 561.935 $ 662.344 $ 100.409 $ 60.979.473
 $
36 269,4891 $ 60.979.473 $ 561.011 $ 662.344 $ 101.333 $ 60.878.140
$
37 269,4891 $ 60.878.140 $ 560.079 $ 662.344 $ 102.265 $ 60.775.876
$
38 269,4891 $ 60.775.876 $ 559.138 $ 662.344 $ 103.206 $ 60.672.670
$
39 269,4891 $ 60.672.670 $ 558.189 $ 662.344 $ 104.155 $ 60.568.515
$
40 269,4891 $ 60.568.515 $ 557.230 $ 662.344 $ 105.113 $ 60.463.402
$
41 269,4891 $ 60.463.402 $ 556.263 $ 662.344 $ 106.080 $ 60.357.321
$
42 269,4891 $ 60.357.321 $ 555.287 $ 662.344 $ 107.056 $ 60.250.265
$
43 269,4891 $ 60.250.265 $ 554.302 $ 662.344 $ 108.041 $ 60.142.224
$
44 269,4891 $ 60.142.224 $ 553.308 $ 662.344 $ 109.035 $ 60.033.188
$
45 269,4891 $ 60.033.188 $ 552.305 $ 662.344 $ 110.038 $ 59.923.150
$
46 269,4891 $ 59.923.150 $ 551.293 $ 662.344 $ 111.051 $ 59.812.099
$
47 269,4891 $ 59.812.099 $ 550.271 $ 662.344 $ 112.072 $ 59.700.027
$
48 269,4891 $ 59.700.027 $ 549.240 $ 662.344 $ 113.103 $ 59.586.924
$
49 269,4891 $ 59.586.924 $ 548.200 $ 662.344 $ 114.144 $ 59.472.780
$
50 269,4891 $ 59.472.780 $ 547.150 $ 662.344 $ 115.194 $ 59.357.585
$
51 269,4891 $ 59.357.585 $ 546.090 $ 662.344 $ 116.254 $ 59.241.332
$
52 269,4891 $ 59.241.332 $ 545.020 $ 662.344 $ 117.323 $ 59.124.008
$
53 269,4891 $ 59.124.008 $ 543.941 $ 662.344 $ 118.403 $ 59.005.605
$
54 269,4891 $ 59.005.605 $ 542.852 $ 662.344 $ 119.492 $ 58.886.113
$
55 269,4891 $ 58.886.113 $ 541.752 $ 662.344 $ 120.591 $ 58.765.522
$
56 269,4891 $ 58.765.522 $ 540.643 $ 662.344 $ 121.701 $ 58.643.821
$
57 269,4891 $ 58.643.821 $ 539.523 $ 662.344 $ 122.821 $ 58.521.000
58 $ $ 58.521.000 $ 538.393 $ 662.344 $ 123.950 $ 58.397.050
 269,4891
$
59 269,4891 $ 58.397.050 $ 537.253 $ 662.344 $ 125.091 $ 58.271.959
$
60 269,4891 $ 58.271.959 $ 536.102 $ 662.344 $ 126.242 $ 58.145.717
$
61 269,4891 $ 58.145.717 $ 534.941 $ 662.344 $ 127.403 $ 58.018.314
$
62 269,4891 $ 58.018.314 $ 533.768 $ 662.344 $ 128.575 $ 57.889.739
$
63 269,4891 $ 57.889.739 $ 532.586 $ 662.344 $ 129.758 $ 57.759.981
$
64 269,4891 $ 57.759.981 $ 531.392 $ 662.344 $ 130.952 $ 57.629.029
$
65 269,4891 $ 57.629.029 $ 530.187 $ 662.344 $ 132.157 $ 57.496.873
$
66 269,4891 $ 57.496.873 $ 528.971 $ 662.344 $ 133.372 $ 57.363.500
$
67 269,4891 $ 57.363.500 $ 527.744 $ 662.344 $ 134.599 $ 57.228.901
$
68 269,4891 $ 57.228.901 $ 526.506 $ 662.344 $ 135.838 $ 57.093.063
$
69 269,4891 $ 57.093.063 $ 525.256 $ 662.344 $ 137.088 $ 56.955.975
$
70 269,4891 $ 56.955.975 $ 523.995 $ 662.344 $ 138.349 $ 56.817.627
$
71 269,4891 $ 56.817.627 $ 522.722 $ 662.344 $ 139.622 $ 56.678.005
$
72 269,4891 $ 56.678.005 $ 521.438 $ 662.344 $ 140.906 $ 56.537.099
$
73 269,4891 $ 56.537.099 $ 520.141 $ 662.344 $ 142.202 $ 56.394.897
$
74 269,4891 $ 56.394.897 $ 518.833 $ 662.344 $ 143.511 $ 56.251.386
$
75 269,4891 $ 56.251.386 $ 517.513 $ 662.344 $ 144.831 $ 56.106.555
$
76 269,4891 $ 56.106.555 $ 516.180 $ 662.344 $ 146.163 $ 55.960.392
$
77 269,4891 $ 55.960.392 $ 514.836 $ 662.344 $ 147.508 $ 55.812.884
$
78 269,4891 $ 55.812.884 $ 513.479 $ 662.344 $ 148.865 $ 55.664.019
$
79 269,4891 $ 55.664.019 $ 512.109 $ 662.344 $ 150.235 $ 55.513.784
$
80 269,4891 $ 55.513.784 $ 510.727 $ 662.344 $ 151.617 $ 55.362.167
 $
81 269,4891 $ 55.362.167 $ 509.332 $ 662.344 $ 153.012 $ 55.209.155
$
82 269,4891 $ 55.209.155 $ 507.924 $ 662.344 $ 154.419 $ 55.054.736
$
83 269,4891 $ 55.054.736 $ 506.504 $ 662.344 $ 155.840 $ 54.898.896
$
84 269,4891 $ 54.898.896 $ 505.070 $ 662.344 $ 157.274 $ 54.741.622
$
85 269,4891 $ 54.741.622 $ 503.623 $ 662.344 $ 158.721 $ 54.582.901
$
86 269,4891 $ 54.582.901 $ 502.163 $ 662.344 $ 160.181 $ 54.422.720
$
87 269,4891 $ 54.422.720 $ 500.689 $ 662.344 $ 161.655 $ 54.261.065
$
88 269,4891 $ 54.261.065 $ 499.202 $ 662.344 $ 163.142 $ 54.097.924
$
89 269,4891 $ 54.097.924 $ 497.701 $ 662.344 $ 164.643 $ 53.933.281
$
90 269,4891 $ 53.933.281 $ 496.186 $ 662.344 $ 166.157 $ 53.767.123
$
91 269,4891 $ 53.767.123 $ 494.658 $ 662.344 $ 167.686 $ 53.599.437
$
92 269,4891 $ 53.599.437 $ 493.115 $ 662.344 $ 169.229 $ 53.430.208
$
93 269,4891 $ 53.430.208 $ 491.558 $ 662.344 $ 170.786 $ 53.259.423
$
94 269,4891 $ 53.259.423 $ 489.987 $ 662.344 $ 172.357 $ 53.087.066
$
95 269,4891 $ 53.087.066 $ 488.401 $ 662.344 $ 173.943 $ 52.913.123
$
96 269,4891 $ 52.913.123 $ 486.801 $ 662.344 $ 175.543 $ 52.737.580
$
97 269,4891 $ 52.737.580 $ 485.186 $ 662.344 $ 177.158 $ 52.560.422
$
98 269,4891 $ 52.560.422 $ 483.556 $ 662.344 $ 178.788 $ 52.381.634
$
99 269,4891 $ 52.381.634 $ 481.911 $ 662.344 $ 180.433 $ 52.201.202
$
100 269,4891 $ 52.201.202 $ 480.251 $ 662.344 $ 182.093 $ 52.019.109
$
101 269,4891 $ 52.019.109 $ 478.576 $ 662.344 $ 183.768 $ 51.835.341
$
102 269,4891 $ 51.835.341 $ 476.885 $ 662.344 $ 185.459 $ 51.649.883
103 $ $ 51.649.883 $ 475.179 $ 662.344 $ 187.165 $ 51.462.718
 269,4891
$
104 269,4891 $ 51.462.718 $ 473.457 $ 662.344 $ 188.887 $ 51.273.831
$
105 269,4891 $ 51.273.831 $ 471.719 $ 662.344 $ 190.624 $ 51.083.207
$
106 269,4891 $ 51.083.207 $ 469.966 $ 662.344 $ 192.378 $ 50.890.828
$
107 269,4891 $ 50.890.828 $ 468.196 $ 662.344 $ 194.148 $ 50.696.680
$
108 269,4891 $ 50.696.680 $ 466.409 $ 662.344 $ 195.934 $ 50.500.746
$
109 269,4891 $ 50.500.746 $ 464.607 $ 662.344 $ 197.737 $ 50.303.009
$
110 269,4891 $ 50.303.009 $ 462.788 $ 662.344 $ 199.556 $ 50.103.453
$
111 269,4891 $ 50.103.453 $ 460.952 $ 662.344 $ 201.392 $ 49.902.061
$
112 269,4891 $ 49.902.061 $ 459.099 $ 662.344 $ 203.245 $ 49.698.817
$
113 269,4891 $ 49.698.817 $ 457.229 $ 662.344 $ 205.115 $ 49.493.702
$
114 269,4891 $ 49.493.702 $ 455.342 $ 662.344 $ 207.002 $ 49.286.701
$
115 269,4891 $ 49.286.701 $ 453.438 $ 662.344 $ 208.906 $ 49.077.795
$
116 269,4891 $ 49.077.795 $ 451.516 $ 662.344 $ 210.828 $ 48.866.967
$
117 269,4891 $ 48.866.967 $ 449.576 $ 662.344 $ 212.768 $ 48.654.199
$
118 269,4891 $ 48.654.199 $ 447.619 $ 662.344 $ 214.725 $ 48.439.474
$
119 269,4891 $ 48.439.474 $ 445.643 $ 662.344 $ 216.701 $ 48.222.773
$
120 269,4891 $ 48.222.773 $ 443.650 $ 662.344 $ 218.694 $ 48.004.079
$
121 269,4891 $ 48.004.079 $ 441.638 $ 662.344 $ 220.706 $ 47.783.373
$
122 269,4891 $ 47.783.373 $ 439.607 $ 662.344 $ 222.737 $ 47.560.636
$
123 269,4891 $ 47.560.636 $ 437.558 $ 662.344 $ 224.786 $ 47.335.851
$
124 269,4891 $ 47.335.851 $ 435.490 $ 662.344 $ 226.854 $ 47.108.997
$
125 269,4891 $ 47.108.997 $ 433.403 $ 662.344 $ 228.941 $ 46.880.056
 $
126 269,4891 $ 46.880.056 $ 431.297 $ 662.344 $ 231.047 $ 46.649.009
$
127 269,4891 $ 46.649.009 $ 429.171 $ 662.344 $ 233.173 $ 46.415.836
$
128 269,4891 $ 46.415.836 $ 427.026 $ 662.344 $ 235.318 $ 46.180.518
$
129 269,4891 $ 46.180.518 $ 424.861 $ 662.344 $ 237.483 $ 45.943.035
$
130 269,4891 $ 45.943.035 $ 422.676 $ 662.344 $ 239.668 $ 45.703.367
$
131 269,4891 $ 45.703.367 $ 420.471 $ 662.344 $ 241.873 $ 45.461.495
$
132 269,4891 $ 45.461.495 $ 418.246 $ 662.344 $ 244.098 $ 45.217.397
$
133 269,4891 $ 45.217.397 $ 416.000 $ 662.344 $ 246.344 $ 44.971.053
$
134 269,4891 $ 44.971.053 $ 413.734 $ 662.344 $ 248.610 $ 44.722.443
$
135 269,4891 $ 44.722.443 $ 411.446 $ 662.344 $ 250.897 $ 44.471.546
$
136 269,4891 $ 44.471.546 $ 409.138 $ 662.344 $ 253.205 $ 44.218.340
$
137 269,4891 $ 44.218.340 $ 406.809 $ 662.344 $ 255.535 $ 43.962.805
$
138 269,4891 $ 43.962.805 $ 404.458 $ 662.344 $ 257.886 $ 43.704.920
$
139 269,4891 $ 43.704.920 $ 402.085 $ 662.344 $ 260.258 $ 43.444.661
$
140 269,4891 $ 43.444.661 $ 399.691 $ 662.344 $ 262.653 $ 43.182.008
$
141 269,4891 $ 43.182.008 $ 397.274 $ 662.344 $ 265.069 $ 42.916.939
$
142 269,4891 $ 42.916.939 $ 394.836 $ 662.344 $ 267.508 $ 42.649.431
$
143 269,4891 $ 42.649.431 $ 392.375 $ 662.344 $ 269.969 $ 42.379.462
$
144 269,4891 $ 42.379.462 $ 389.891 $ 662.344 $ 272.453 $ 42.107.010
$
145 269,4891 $ 42.107.010 $ 387.384 $ 662.344 $ 274.959 $ 41.832.051
$
146 269,4891 $ 41.832.051 $ 384.855 $ 662.344 $ 277.489 $ 41.554.562
$
147 269,4891 $ 41.554.562 $ 382.302 $ 662.344 $ 280.042 $ 41.274.520
148 $ $ 41.274.520 $ 379.726 $ 662.344 $ 282.618 $ 40.991.902
 269,4891
$
149 269,4891 $ 40.991.902 $ 377.125 $ 662.344 $ 285.218 $ 40.706.684
$
150 269,4891 $ 40.706.684 $ 374.501 $ 662.344 $ 287.842 $ 40.418.842
$
151 269,4891 $ 40.418.842 $ 371.853 $ 662.344 $ 290.490 $ 40.128.351
$
152 269,4891 $ 40.128.351 $ 369.181 $ 662.344 $ 293.163 $ 39.835.188
$
153 269,4891 $ 39.835.188 $ 366.484 $ 662.344 $ 295.860 $ 39.539.328
$
154 269,4891 $ 39.539.328 $ 363.762 $ 662.344 $ 298.582 $ 39.240.747
$
155 269,4891 $ 39.240.747 $ 361.015 $ 662.344 $ 301.329 $ 38.939.418
$
156 269,4891 $ 38.939.418 $ 358.243 $ 662.344 $ 304.101 $ 38.635.317
$
157 269,4891 $ 38.635.317 $ 355.445 $ 662.344 $ 306.899 $ 38.328.418
$
158 269,4891 $ 38.328.418 $ 352.621 $ 662.344 $ 309.722 $ 38.018.696
$
159 269,4891 $ 38.018.696 $ 349.772 $ 662.344 $ 312.572 $ 37.706.124
$
160 269,4891 $ 37.706.124 $ 346.896 $ 662.344 $ 315.447 $ 37.390.677
$
161 269,4891 $ 37.390.677 $ 343.994 $ 662.344 $ 318.349 $ 37.072.327
$
162 269,4891 $ 37.072.327 $ 341.065 $ 662.344 $ 321.278 $ 36.751.049
$
163 269,4891 $ 36.751.049 $ 338.110 $ 662.344 $ 324.234 $ 36.426.815
$
164 269,4891 $ 36.426.815 $ 335.127 $ 662.344 $ 327.217 $ 36.099.598
$
165 269,4891 $ 36.099.598 $ 332.116 $ 662.344 $ 330.227 $ 35.769.371
$
166 269,4891 $ 35.769.371 $ 329.078 $ 662.344 $ 333.265 $ 35.436.105
$
167 269,4891 $ 35.436.105 $ 326.012 $ 662.344 $ 336.332 $ 35.099.774
$
168 269,4891 $ 35.099.774 $ 322.918 $ 662.344 $ 339.426 $ 34.760.348
$
169 269,4891 $ 34.760.348 $ 319.795 $ 662.344 $ 342.548 $ 34.417.799
$
170 269,4891 $ 34.417.799 $ 316.644 $ 662.344 $ 345.700 $ 34.072.099
 $
171 269,4891 $ 34.072.099 $ 313.463 $ 662.344 $ 348.880 $ 33.723.219
$
172 269,4891 $ 33.723.219 $ 310.254 $ 662.344 $ 352.090 $ 33.371.129
$
173 269,4891 $ 33.371.129 $ 307.014 $ 662.344 $ 355.329 $ 33.015.800
$
174 269,4891 $ 33.015.800 $ 303.745 $ 662.344 $ 358.598 $ 32.657.201
$
175 269,4891 $ 32.657.201 $ 300.446 $ 662.344 $ 361.897 $ 32.295.304
$
176 269,4891 $ 32.295.304 $ 297.117 $ 662.344 $ 365.227 $ 31.930.077
$
177 269,4891 $ 31.930.077 $ 293.757 $ 662.344 $ 368.587 $ 31.561.490
$
178 269,4891 $ 31.561.490 $ 290.366 $ 662.344 $ 371.978 $ 31.189.512
$
179 269,4891 $ 31.189.512 $ 286.944 $ 662.344 $ 375.400 $ 30.814.112
$
180 269,4891 $ 30.814.112 $ 283.490 $ 662.344 $ 378.854 $ 30.435.258
$
181 269,4891 $ 30.435.258 $ 280.004 $ 662.344 $ 382.339 $ 30.052.919
$
182 269,4891 $ 30.052.919 $ 276.487 $ 662.344 $ 385.857 $ 29.667.062
$
183 269,4891 $ 29.667.062 $ 272.937 $ 662.344 $ 389.407 $ 29.277.655
$
184 269,4891 $ 29.277.655 $ 269.354 $ 662.344 $ 392.989 $ 28.884.666
$
185 269,4891 $ 28.884.666 $ 265.739 $ 662.344 $ 396.605 $ 28.488.061
$
186 269,4891 $ 28.488.061 $ 262.090 $ 662.344 $ 400.254 $ 28.087.808
$
187 269,4891 $ 28.087.808 $ 258.408 $ 662.344 $ 403.936 $ 27.683.872
$
188 269,4891 $ 27.683.872 $ 254.692 $ 662.344 $ 407.652 $ 27.276.220
$
189 269,4891 $ 27.276.220 $ 250.941 $ 662.344 $ 411.402 $ 26.864.817
$
190 269,4891 $ 26.864.817 $ 247.156 $ 662.344 $ 415.187 $ 26.449.630
$
191 269,4891 $ 26.449.630 $ 243.337 $ 662.344 $ 419.007 $ 26.030.623
$
192 269,4891 $ 26.030.623 $ 239.482 $ 662.344 $ 422.862 $ 25.607.761
193 $ $ 25.607.761 $ 235.591 $ 662.344 $ 426.752 $ 25.181.009
 269,4891
$
194 269,4891 $ 25.181.009 $ 231.665 $ 662.344 $ 430.678 $ 24.750.330
$
195 269,4891 $ 24.750.330 $ 227.703 $ 662.344 $ 434.641 $ 24.315.690
$
196 269,4891 $ 24.315.690 $ 223.704 $ 662.344 $ 438.639 $ 23.877.050
$
197 269,4891 $ 23.877.050 $ 219.669 $ 662.344 $ 442.675 $ 23.434.376
$
198 269,4891 $ 23.434.376 $ 215.596 $ 662.344 $ 446.747 $ 22.987.628
$
199 269,4891 $ 22.987.628 $ 211.486 $ 662.344 $ 450.858 $ 22.536.771
$
200 269,4891 $ 22.536.771 $ 207.338 $ 662.344 $ 455.005 $ 22.081.765
$
201 269,4891 $ 22.081.765 $ 203.152 $ 662.344 $ 459.191 $ 21.622.574
$
202 269,4891 $ 21.622.574 $ 198.928 $ 662.344 $ 463.416 $ 21.159.158
$
203 269,4891 $ 21.159.158 $ 194.664 $ 662.344 $ 467.679 $ 20.691.478
$
204 269,4891 $ 20.691.478 $ 190.362 $ 662.344 $ 471.982 $ 20.219.496
$
205 269,4891 $ 20.219.496 $ 186.019 $ 662.344 $ 476.324 $ 19.743.172
$
206 269,4891 $ 19.743.172 $ 181.637 $ 662.344 $ 480.706 $ 19.262.466
$
207 269,4891 $ 19.262.466 $ 177.215 $ 662.344 $ 485.129 $ 18.777.337
$
208 269,4891 $ 18.777.337 $ 172.751 $ 662.344 $ 489.592 $ 18.287.744
$
209 269,4891 $ 18.287.744 $ 168.247 $ 662.344 $ 494.096 $ 17.793.648
$
210 269,4891 $ 17.793.648 $ 163.702 $ 662.344 $ 498.642 $ 17.295.006
$
211 269,4891 $ 17.295.006 $ 159.114 $ 662.344 $ 503.230 $ 16.791.776
$
212 269,4891 $ 16.791.776 $ 154.484 $ 662.344 $ 507.859 $ 16.283.917
$
213 269,4891 $ 16.283.917 $ 149.812 $ 662.344 $ 512.532 $ 15.771.385
$
214 269,4891 $ 15.771.385 $ 145.097 $ 662.344 $ 517.247 $ 15.254.138
$
215 269,4891 $ 15.254.138 $ 140.338 $ 662.344 $ 522.006 $ 14.732.133
 $
216 269,4891 $ 14.732.133 $ 135.536 $ 662.344 $ 526.808 $ 14.205.325
$
217 269,4891 $ 14.205.325 $ 130.689 $ 662.344 $ 531.655 $ 13.673.670
$
218 269,4891 $ 13.673.670 $ 125.798 $ 662.344 $ 536.546 $ 13.137.124
$
219 269,4891 $ 13.137.124 $ 120.862 $ 662.344 $ 541.482 $ 12.595.642
$
220 269,4891 $ 12.595.642 $ 115.880 $ 662.344 $ 546.464 $ 12.049.178
$
221 269,4891 $ 12.049.178 $ 110.852 $ 662.344 $ 551.491 $ 11.497.687
$
222 269,4891 $ 11.497.687 $ 105.779 $ 662.344 $ 556.565 $ 10.941.122
$
223 269,4891 $ 10.941.122 $ 100.658 $ 662.344 $ 561.685 $ 10.379.436
$
224 269,4891 $ 10.379.436 $ 95.491 $ 662.344 $ 566.853 $ 9.812.584
$
225 269,4891 $ 9.812.584 $ 90.276 $ 662.344 $ 572.068 $ 9.240.516
$
226 269,4891 $ 9.240.516 $ 85.013 $ 662.344 $ 577.331 $ 8.663.185
$
227 269,4891 $ 8.663.185 $ 79.701 $ 662.344 $ 582.642 $ 8.080.542
$
228 269,4891 $ 8.080.542 $ 74.341 $ 662.344 $ 588.003 $ 7.492.540
$
229 269,4891 $ 7.492.540 $ 68.931 $ 662.344 $ 593.412 $ 6.899.127
$
230 269,4891 $ 6.899.127 $ 63.472 $ 662.344 $ 598.872 $ 6.300.256
$
231 269,4891 $ 6.300.256 $ 57.962 $ 662.344 $ 604.381 $ 5.695.874
$
232 269,4891 $ 5.695.874 $ 52.402 $ 662.344 $ 609.942 $ 5.085.933
$
233 269,4891 $ 5.085.933 $ 46.791 $ 662.344 $ 615.553 $ 4.470.380
$
234 269,4891 $ 4.470.380 $ 41.127 $ 662.344 $ 621.216 $ 3.849.163
$
235 269,4891 $ 3.849.163 $ 35.412 $ 662.344 $ 626.931 $ 3.222.232
$
236 269,4891 $ 3.222.232 $ 29.645 $ 662.344 $ 632.699 $ 2.589.533
$
237 269,4891 $ 2.589.533 $ 23.824 $ 662.344 $ 638.520 $ 1.951.013
238 $ $ 1.951.013 $ 17.949 $ 662.344 $ 644.394 $ 1.306.619
 269,4891
$
239 269,4891 $ 1.306.619 $ 12.021 $ 662.344 $ 650.323 $ 656.296
$
240 269,4891 $ 656.296 $ 6.038 $ 662.344 $ 656.306 -$ 10
TOTALES $ 9.588.842 $ 158.962.483
TOTAL PAGADO $ 168.551.326
MONTO CREDITO $ 64.000.000
TOTAL INTERESES $ 104.551.326

Tabla de amortización en pesos

MONTO PRESTADO $ 64.000.000,00

INTERES 0,87%
PERIDOS MENSUALES 240
CUOTA FIJA $ 636.385,78

N°PERIODO ABONO A
SALDO INICAL CUOTA FIJA INTERES SALDO FINAL
S CAPITAL
0         $ 64.000.000
1 $ 64.000.000 $ 636.385,78 $ 556.800 $ 79.585,78 $ 63.920.414
2 $ 63.920.414 $ 636.385,78 $ 556.108 $ 80.278,17 $ 63.840.136
3 $ 63.840.136 $ 636.385,78 $ 555.409 $ 80.976,59 $ 63.759.159
4 $ 63.759.159 $ 636.385,78 $ 554.705 $ 81.681,09 $ 63.677.478
5 $ 63.677.478 $ 636.385,78 $ 553.994 $ 82.391,72 $ 63.595.087
6 $ 63.595.087 $ 636.385,78 $ 553.277 $ 83.108,52 $ 63.511.978
7 $ 63.511.978 $ 636.385,78 $ 552.554 $ 83.831,57 $ 63.428.147
8 $ 63.428.147 $ 636.385,78 $ 551.825 $ 84.560,90 $ 63.343.586
9 $ 63.343.586 $ 636.385,78 $ 551.089 $ 85.296,58 $ 63.258.289
10 $ 63.258.289 $ 636.385,78 $ 550.347 $ 86.038,66 $ 63.172.250
11 $ 63.172.250 $ 636.385,78 $ 549.599 $ 86.787,20 $ 63.085.463
12 $ 63.085.463 $ 636.385,78 $ 548.844 $ 87.542,25 $ 62.997.921
13 $ 62.997.921 $ 636.385,78 $ 548.082 $ 88.303,87 $ 62.909.617
14 $ 62.909.617 $ 636.385,78 $ 547.314 $ 89.072,11 $ 62.820.545
15 $ 62.820.545 $ 636.385,78 $ 546.539 $ 89.847,04 $ 62.730.698
16 $ 62.730.698 $ 636.385,78 $ 545.757 $ 90.628,71 $ 62.640.069
17 $ 62.640.069 $ 636.385,78 $ 544.969 $ 91.417,18 $ 62.548.652
18 $ 62.548.652 $ 636.385,78 $ 544.173 $ 92.212,51 $ 62.456.440
19 $ 62.456.440 $ 636.385,78 $ 543.371 $ 93.014,75 $ 62.363.425
20 $ 62.363.425 $ 636.385,78 $ 542.562 $ 93.823,98 $ 62.269.601
21 $ 62.269.601 $ 636.385,78 $ 541.746 $ 94.640,25 $ 62.174.961
22 $ 62.174.961 $ 636.385,78 $ 540.922 $ 95.463,62 $ 62.079.497
23 $ 62.079.497 $ 636.385,78 $ 540.092 $ 96.294,15 $ 61.983.203
24 $ 61.983.203 $ 636.385,78 $ 539.254 $ 97.131,91 $ 61.886.071
25 $ 61.886.071 $ 636.385,78 $ 538.409 $ 97.976,96 $ 61.788.094
26 $ 61.788.094 $ 636.385,78 $ 537.556 $ 98.829,36 $ 61.689.265
27 $ 61.689.265 $ 636.385,78 $ 536.697 $ 99.689,18 $ 61.589.575
28 $ 61.589.575 $ 636.385,78 $ 535.829 $ 100.556,47 $ 61.489.019
29 $ 61.489.019 $ 636.385,78 $ 534.954 $ 101.431,31 $ 61.387.588
30 $ 61.387.588 $ 636.385,78 $ 534.072 $ 102.313,77 $ 61.285.274
31 $ 61.285.274 $ 636.385,78 $ 533.182 $ 103.203,90 $ 61.182.070
32 $ 61.182.070 $ 636.385,78 $ 532.284 $ 104.101,77 $ 61.077.968
33 $ 61.077.968 $ 636.385,78 $ 531.378 $ 105.007,46 $ 60.972.961
34 $ 60.972.961 $ 636.385,78 $ 530.465 $ 105.921,02 $ 60.867.040
35 $ 60.867.040 $ 636.385,78 $ 529.543 $ 106.842,53 $ 60.760.197
36 $ 60.760.197 $ 636.385,78 $ 528.614 $ 107.772,06 $ 60.652.425
37 $ 60.652.425 $ 636.385,78 $ 527.676 $ 108.709,68 $ 60.543.715
38 $ 60.543.715 $ 636.385,78 $ 526.730 $ 109.655,45 $ 60.434.060
39 $ 60.434.060 $ 636.385,78 $ 525.776 $ 110.609,46 $ 60.323.451
40 $ 60.323.451 $ 636.385,78 $ 524.814 $ 111.571,76 $ 60.211.879
41 $ 60.211.879 $ 636.385,78 $ 523.843 $ 112.542,43 $ 60.099.336
42 $ 60.099.336 $ 636.385,78 $ 522.864 $ 113.521,55 $ 59.985.815
43 $ 59.985.815 $ 636.385,78 $ 521.877 $ 114.509,19 $ 59.871.306
44 $ 59.871.306 $ 636.385,78 $ 520.880 $ 115.505,42 $ 59.755.800
45 $ 59.755.800 $ 636.385,78 $ 519.875 $ 116.510,32 $ 59.639.290
46 $ 59.639.290 $ 636.385,78 $ 518.862 $ 117.523,96 $ 59.521.766
47 $ 59.521.766 $ 636.385,78 $ 517.839 $ 118.546,41 $ 59.403.219
48 $ 59.403.219 $ 636.385,78 $ 516.808 $ 119.577,77 $ 59.283.642
49 $ 59.283.642 $ 636.385,78 $ 515.768 $ 120.618,10 $ 59.163.024
50 $ 59.163.024 $ 636.385,78 $ 514.718 $ 121.667,47 $ 59.041.356
51 $ 59.041.356 $ 636.385,78 $ 513.660 $ 122.725,98 $ 58.918.630
52 $ 58.918.630 $ 636.385,78 $ 512.592 $ 123.793,70 $ 58.794.836
53 $ 58.794.836 $ 636.385,78 $ 511.515 $ 124.870,70 $ 58.669.966
54 $ 58.669.966 $ 636.385,78 $ 510.429 $ 125.957,08 $ 58.544.009
55 $ 58.544.009 $ 636.385,78 $ 509.333 $ 127.052,90 $ 58.416.956
56 $ 58.416.956 $ 636.385,78 $ 508.228 $ 128.158,26 $ 58.288.798
57 $ 58.288.798 $ 636.385,78 $ 507.113 $ 129.273,24 $ 58.159.524
58 $ 58.159.524 $ 636.385,78 $ 505.988 $ 130.397,92 $ 58.029.126
59 $ 58.029.126 $ 636.385,78 $ 504.853 $ 131.532,38 $ 57.897.594
60 $ 57.897.594 $ 636.385,78 $ 503.709 $ 132.676,71 $ 57.764.917
61 $ 57.764.917 $ 636.385,78 $ 502.555 $ 133.831,00 $ 57.631.086
62 $ 57.631.086 $ 636.385,78 $ 501.390 $ 134.995,33 $ 57.496.091
63 $ 57.496.091 $ 636.385,78 $ 500.216 $ 136.169,79 $ 57.359.921
64 $ 57.359.921 $ 636.385,78 $ 499.031 $ 137.354,46 $ 57.222.567
65 $ 57.222.567 $ 636.385,78 $ 497.836 $ 138.549,45 $ 57.084.017
66 $ 57.084.017 $ 636.385,78 $ 496.631 $ 139.754,83 $ 56.944.262
67 $ 56.944.262 $ 636.385,78 $ 495.415 $ 140.970,70 $ 56.803.292
68 $ 56.803.292 $ 636.385,78 $ 494.189 $ 142.197,14 $ 56.661.095
69 $ 56.661.095 $ 636.385,78 $ 492.952 $ 143.434,26 $ 56.517.660
70 $ 56.517.660 $ 636.385,78 $ 491.704 $ 144.682,13 $ 56.372.978
71 $ 56.372.978 $ 636.385,78 $ 490.445 $ 145.940,87 $ 56.227.037
72 $ 56.227.037 $ 636.385,78 $ 489.175 $ 147.210,55 $ 56.079.827
73 $ 56.079.827 $ 636.385,78 $ 487.894 $ 148.491,29 $ 55.931.335
74 $ 55.931.335 $ 636.385,78 $ 486.603 $ 149.783,16 $ 55.781.552
75 $ 55.781.552 $ 636.385,78 $ 485.300 $ 151.086,27 $ 55.630.466
76 $ 55.630.466 $ 636.385,78 $ 483.985 $ 152.400,72 $ 55.478.065
77 $ 55.478.065 $ 636.385,78 $ 482.659 $ 153.726,61 $ 55.324.339
78 $ 55.324.339 $ 636.385,78 $ 481.322 $ 155.064,03 $ 55.169.275
79 $ 55.169.275 $ 636.385,78 $ 479.973 $ 156.413,09 $ 55.012.862
80 $ 55.012.862 $ 636.385,78 $ 478.612 $ 157.773,88 $ 54.855.088
81 $ 54.855.088 $ 636.385,78 $ 477.239 $ 159.146,52 $ 54.695.941
82 $ 54.695.941 $ 636.385,78 $ 475.855 $ 160.531,09 $ 54.535.410
83 $ 54.535.410 $ 636.385,78 $ 474.458 $ 161.927,71 $ 54.373.482
84 $ 54.373.482 $ 636.385,78 $ 473.049 $ 163.336,48 $ 54.210.146
85 $ 54.210.146 $ 636.385,78 $ 471.628 $ 164.757,51 $ 54.045.388
86 $ 54.045.388 $ 636.385,78 $ 470.195 $ 166.190,90 $ 53.879.198
87 $ 53.879.198 $ 636.385,78 $ 468.749 $ 167.636,76 $ 53.711.561
88 $ 53.711.561 $ 636.385,78 $ 467.291 $ 169.095,20 $ 53.542.466
89 $ 53.542.466 $ 636.385,78 $ 465.819 $ 170.566,33 $ 53.371.899
90 $ 53.371.899 $ 636.385,78 $ 464.336 $ 172.050,25 $ 53.199.849
91 $ 53.199.849 $ 636.385,78 $ 462.839 $ 173.547,09 $ 53.026.302
92 $ 53.026.302 $ 636.385,78 $ 461.329 $ 175.056,95 $ 52.851.245
93 $ 52.851.245 $ 636.385,78 $ 459.806 $ 176.579,95 $ 52.674.665
94 $ 52.674.665 $ 636.385,78 $ 458.270 $ 178.116,19 $ 52.496.549
95 $ 52.496.549 $ 636.385,78 $ 456.720 $ 179.665,80 $ 52.316.883
96 $ 52.316.883 $ 636.385,78 $ 455.157 $ 181.228,90 $ 52.135.654
 97 $ 52.135.654 $ 636.385,78 $ 453.580 $ 182.805,59 $ 51.952.848
98 $ 51.952.848 $ 636.385,78 $ 451.990 $ 184.396,00 $ 51.768.452
99 $ 51.768.452 $ 636.385,78 $ 450.386 $ 186.000,24 $ 51.582.452
100 $ 51.582.452 $ 636.385,78 $ 448.767 $ 187.618,44 $ 51.394.834
101 $ 51.394.834 $ 636.385,78 $ 447.135 $ 189.250,72 $ 51.205.583
102 $ 51.205.583 $ 636.385,78 $ 445.489 $ 190.897,21 $ 51.014.686
103 $ 51.014.686 $ 636.385,78 $ 443.828 $ 192.558,01 $ 50.822.128
104 $ 50.822.128 $ 636.385,78 $ 442.153 $ 194.233,27 $ 50.627.895
105 $ 50.627.895 $ 636.385,78 $ 440.463 $ 195.923,10 $ 50.431.972
106 $ 50.431.972 $ 636.385,78 $ 438.758 $ 197.627,63 $ 50.234.344
107 $ 50.234.344 $ 636.385,78 $ 437.039 $ 199.346,99 $ 50.034.997
108 $ 50.034.997 $ 636.385,78 $ 435.304 $ 201.081,31 $ 49.833.916
109 $ 49.833.916 $ 636.385,78 $ 433.555 $ 202.830,71 $ 49.631.085
110 $ 49.631.085 $ 636.385,78 $ 431.790 $ 204.595,34 $ 49.426.490
111 $ 49.426.490 $ 636.385,78 $ 430.010 $ 206.375,32 $ 49.220.114
112 $ 49.220.114 $ 636.385,78 $ 428.215 $ 208.170,78 $ 49.011.943
113 $ 49.011.943 $ 636.385,78 $ 426.404 $ 209.981,87 $ 48.801.962
114 $ 48.801.962 $ 636.385,78 $ 424.577 $ 211.808,71 $ 48.590.153
115 $ 48.590.153 $ 636.385,78 $ 422.734 $ 213.651,45 $ 48.376.501
116 $ 48.376.501 $ 636.385,78 $ 420.876 $ 215.510,22 $ 48.160.991
117 $ 48.160.991 $ 636.385,78 $ 419.001 $ 217.385,15 $ 47.943.606
118 $ 47.943.606 $ 636.385,78 $ 417.109 $ 219.276,41 $ 47.724.330
119 $ 47.724.330 $ 636.385,78 $ 415.202 $ 221.184,11 $ 47.503.146
120 $ 47.503.146 $ 636.385,78 $ 413.277 $ 223.108,41 $ 47.280.037
121 $ 47.280.037 $ 636.385,78 $ 411.336 $ 225.049,46 $ 47.054.988
122 $ 47.054.988 $ 636.385,78 $ 409.378 $ 227.007,39 $ 46.827.980
123 $ 46.827.980 $ 636.385,78 $ 407.403 $ 228.982,35 $ 46.598.998
124 $ 46.598.998 $ 636.385,78 $ 405.411 $ 230.974,50 $ 46.368.023
125 $ 46.368.023 $ 636.385,78 $ 403.402 $ 232.983,97 $ 46.135.039
126 $ 46.135.039 $ 636.385,78 $ 401.375 $ 235.010,93 $ 45.900.029
127 $ 45.900.029 $ 636.385,78 $ 399.330 $ 237.055,53 $ 45.662.973
128 $ 45.662.973 $ 636.385,78 $ 397.268 $ 239.117,91 $ 45.423.855
129 $ 45.423.855 $ 636.385,78 $ 395.188 $ 241.198,24 $ 45.182.657
130 $ 45.182.657 $ 636.385,78 $ 393.089 $ 243.296,66 $ 44.939.360
131 $ 44.939.360 $ 636.385,78 $ 390.972 $ 245.413,34 $ 44.693.947
132 $ 44.693.947 $ 636.385,78 $ 388.837 $ 247.548,44 $ 44.446.398
133 $ 44.446.398 $ 636.385,78 $ 386.684 $ 249.702,11 $ 44.196.696
134 $ 44.196.696 $ 636.385,78 $ 384.511 $ 251.874,52 $ 43.944.822
135 $ 43.944.822 $ 636.385,78 $ 382.320 $ 254.065,83 $ 43.690.756
136 $ 43.690.756 $ 636.385,78 $ 380.110 $ 256.276,20 $ 43.434.480
137 $ 43.434.480 $ 636.385,78 $ 377.880 $ 258.505,80 $ 43.175.974
138 $ 43.175.974 $ 636.385,78 $ 375.631 $ 260.754,81 $ 42.915.219
139 $ 42.915.219 $ 636.385,78 $ 373.362 $ 263.023,37 $ 42.652.196
140 $ 42.652.196 $ 636.385,78 $ 371.074 $ 265.311,68 $ 42.386.884
141 $ 42.386.884 $ 636.385,78 $ 368.766 $ 267.619,89 $ 42.119.264
142 $ 42.119.264 $ 636.385,78 $ 366.438 $ 269.948,18 $ 41.849.316
143 $ 41.849.316 $ 636.385,78 $ 364.089 $ 272.296,73 $ 41.577.019
144 $ 41.577.019 $ 636.385,78 $ 361.720 $ 274.665,71 $ 41.302.354
145 $ 41.302.354 $ 636.385,78 $ 359.330 $ 277.055,30 $ 41.025.298
146 $ 41.025.298 $ 636.385,78 $ 356.920 $ 279.465,68 $ 40.745.833
147 $ 40.745.833 $ 636.385,78 $ 354.489 $ 281.897,03 $ 40.463.936
148 $ 40.463.936 $ 636.385,78 $ 352.036 $ 284.349,54 $ 40.179.586
149 $ 40.179.586 $ 636.385,78 $ 349.562 $ 286.823,38 $ 39.892.763
150 $ 39.892.763 $ 636.385,78 $ 347.067 $ 289.318,74 $ 39.603.444
151 $ 39.603.444 $ 636.385,78 $ 344.550 $ 291.835,82 $ 39.311.608
152 $ 39.311.608 $ 636.385,78 $ 342.011 $ 294.374,79 $ 39.017.233
153 $ 39.017.233 $ 636.385,78 $ 339.450 $ 296.935,85 $ 38.720.297
154 $ 38.720.297 $ 636.385,78 $ 336.867 $ 299.519,19 $ 38.420.778
155 $ 38.420.778 $ 636.385,78 $ 334.261 $ 302.125,01 $ 38.118.653
156 $ 38.118.653 $ 636.385,78 $ 331.632 $ 304.753,50 $ 37.813.900
157 $ 37.813.900 $ 636.385,78 $ 328.981 $ 307.404,85 $ 37.506.495
158 $ 37.506.495 $ 636.385,78 $ 326.307 $ 310.079,27 $ 37.196.416
159 $ 37.196.416 $ 636.385,78 $ 323.609 $ 312.776,96 $ 36.883.639
160 $ 36.883.639 $ 636.385,78 $ 320.888 $ 315.498,12 $ 36.568.141
161 $ 36.568.141 $ 636.385,78 $ 318.143 $ 318.242,96 $ 36.249.898
162 $ 36.249.898 $ 636.385,78 $ 315.374 $ 321.011,67 $ 35.928.886
163 $ 35.928.886 $ 636.385,78 $ 312.581 $ 323.804,47 $ 35.605.081
164 $ 35.605.081 $ 636.385,78 $ 309.764 $ 326.621,57 $ 35.278.460
165 $ 35.278.460 $ 636.385,78 $ 306.923 $ 329.463,18 $ 34.948.997
166 $ 34.948.997 $ 636.385,78 $ 304.056 $ 332.329,51 $ 34.616.667
167 $ 34.616.667 $ 636.385,78 $ 301.165 $ 335.220,77 $ 34.281.446
168 $ 34.281.446 $ 636.385,78 $ 298.249 $ 338.137,19 $ 33.943.309
169 $ 33.943.309 $ 636.385,78 $ 295.307 $ 341.078,99 $ 33.602.230
170 $ 33.602.230 $ 636.385,78 $ 292.339 $ 344.046,38 $ 33.258.184
171 $ 33.258.184 $ 636.385,78 $ 289.346 $ 347.039,58 $ 32.911.144
172 $ 32.911.144 $ 636.385,78 $ 286.327 $ 350.058,82 $ 32.561.085
173 $ 32.561.085 $ 636.385,78 $ 283.281 $ 353.104,33 $ 32.207.981
174 $ 32.207.981 $ 636.385,78 $ 280.209 $ 356.176,34 $ 31.851.805
175 $ 31.851.805 $ 636.385,78 $ 277.111 $ 359.275,08 $ 31.492.530
176 $ 31.492.530 $ 636.385,78 $ 273.985 $ 362.400,77 $ 31.130.129
177 $ 31.130.129 $ 636.385,78 $ 270.832 $ 365.553,66 $ 30.764.575
178 $ 30.764.575 $ 636.385,78 $ 267.652 $ 368.733,97 $ 30.395.841
179 $ 30.395.841 $ 636.385,78 $ 264.444 $ 371.941,96 $ 30.023.899
180 $ 30.023.899 $ 636.385,78 $ 261.208 $ 375.177,85 $ 29.648.721
181 $ 29.648.721 $ 636.385,78 $ 257.944 $ 378.441,90 $ 29.270.280
182 $ 29.270.280 $ 636.385,78 $ 254.651 $ 381.734,35 $ 28.888.545
183 $ 28.888.545 $ 636.385,78 $ 251.330 $ 385.055,43 $ 28.503.490
184 $ 28.503.490 $ 636.385,78 $ 247.980 $ 388.405,42 $ 28.115.084
185 $ 28.115.084 $ 636.385,78 $ 244.601 $ 391.784,54 $ 27.723.300
186 $ 27.723.300 $ 636.385,78 $ 241.193 $ 395.193,07 $ 27.328.107
187 $ 27.328.107 $ 636.385,78 $ 237.755 $ 398.631,25 $ 26.929.476
188 $ 26.929.476 $ 636.385,78 $ 234.286 $ 402.099,34 $ 26.527.376
189 $ 26.527.376 $ 636.385,78 $ 230.788 $ 405.597,61 $ 26.121.779
190 $ 26.121.779 $ 636.385,78 $ 227.259 $ 409.126,30 $ 25.712.652
191 $ 25.712.652 $ 636.385,78 $ 223.700 $ 412.685,70 $ 25.299.967
192 $ 25.299.967 $ 636.385,78 $ 220.110 $ 416.276,07 $ 24.883.690
193 $ 24.883.690 $ 636.385,78 $ 216.488 $ 419.897,67 $ 24.463.793
194 $ 24.463.793 $ 636.385,78 $ 212.835 $ 423.550,78 $ 24.040.242
195 $ 24.040.242 $ 636.385,78 $ 209.150 $ 427.235,67 $ 23.613.006
196 $ 23.613.006 $ 636.385,78 $ 205.433 $ 430.952,62 $ 23.182.054
197 $ 23.182.054 $ 636.385,78 $ 201.684 $ 434.701,91 $ 22.747.352
198 $ 22.747.352 $ 636.385,78 $ 197.902 $ 438.483,82 $ 22.308.868
199 $ 22.308.868 $ 636.385,78 $ 194.087 $ 442.298,63 $ 21.866.569
200 $ 21.866.569 $ 636.385,78 $ 190.239 $ 446.146,62 $ 21.420.423
201 $ 21.420.423 $ 636.385,78 $ 186.358 $ 450.028,10 $ 20.970.395
202 $ 20.970.395 $ 636.385,78 $ 182.442 $ 453.943,34 $ 20.516.451
203 $ 20.516.451 $ 636.385,78 $ 178.493 $ 457.892,65 $ 20.058.559
204 $ 20.058.559 $ 636.385,78 $ 174.509 $ 461.876,32 $ 19.596.682
205 $ 19.596.682 $ 636.385,78 $ 170.491 $ 465.894,64 $ 19.130.788
206 $ 19.130.788 $ 636.385,78 $ 166.438 $ 469.947,93 $ 18.660.840
207 $ 18.660.840 $ 636.385,78 $ 162.349 $ 474.036,47 $ 18.186.803
208 $ 18.186.803 $ 636.385,78 $ 158.225 $ 478.160,59 $ 17.708.643
209 $ 17.708.643 $ 636.385,78 $ 154.065 $ 482.320,59 $ 17.226.322
210 $ 17.226.322 $ 636.385,78 $ 149.869 $ 486.516,78 $ 16.739.805
211 $ 16.739.805 $ 636.385,78 $ 145.636 $ 490.749,47 $ 16.249.056
212 $ 16.249.056 $ 636.385,78 $ 141.367 $ 495.018,99 $ 15.754.037
213 $ 15.754.037 $ 636.385,78 $ 137.060 $ 499.325,66 $ 15.254.711
214 $ 15.254.711 $ 636.385,78 $ 132.716 $ 503.669,79 $ 14.751.041
215 $ 14.751.041 $ 636.385,78 $ 128.334 $ 508.051,72 $ 14.242.990
216 $ 14.242.990 $ 636.385,78 $ 123.914 $ 512.471,77 $ 13.730.518
217 $ 13.730.518 $ 636.385,78 $ 119.456 $ 516.930,27 $ 13.213.588
218 $ 13.213.588 $ 636.385,78 $ 114.958 $ 521.427,57 $ 12.692.160
219 $ 12.692.160 $ 636.385,78 $ 110.422 $ 525.963,99 $ 12.166.196
220 $ 12.166.196 $ 636.385,78 $ 105.846 $ 530.539,87 $ 11.635.656
221 $ 11.635.656 $ 636.385,78 $ 101.230 $ 535.155,57 $ 11.100.501
222 $ 11.100.501 $ 636.385,78 $ 96.574 $ 539.811,42 $ 10.560.689
 223 $ 10.560.689 $ 636.385,78 $ 91.878 $ 544.507,78 $ 10.016.181
224 $ 10.016.181 $ 636.385,78 $ 87.141 $ 549.245,00 $ 9.466.936
225 $ 9.466.936 $ 636.385,78 $ 82.362 $ 554.023,43 $ 8.912.913
226 $ 8.912.913 $ 636.385,78 $ 77.542 $ 558.843,43 $ 8.354.070
227 $ 8.354.070 $ 636.385,78 $ 72.680 $ 563.705,37 $ 7.790.364
228 $ 7.790.364 $ 636.385,78 $ 67.776 $ 568.609,61 $ 7.221.755
229 $ 7.221.755 $ 636.385,78 $ 62.829 $ 573.556,51 $ 6.648.198
230 $ 6.648.198 $ 636.385,78 $ 57.839 $ 578.546,45 $ 6.069.652
231 $ 6.069.652 $ 636.385,78 $ 52.806 $ 583.579,81 $ 5.486.072
232 $ 5.486.072 $ 636.385,78 $ 47.729 $ 588.656,95 $ 4.897.415
233 $ 4.897.415 $ 636.385,78 $ 42.608 $ 593.778,27 $ 4.303.637
234 $ 4.303.637 $ 636.385,78 $ 37.442 $ 598.944,14 $ 3.704.692
235 $ 3.704.692 $ 636.385,78 $ 32.231 $ 604.154,95 $ 3.100.538
236 $ 3.100.538 $ 636.385,78 $ 26.975 $ 609.411,10 $ 2.491.126
237 $ 2.491.126 $ 636.385,78 $ 21.673 $ 614.712,98 $ 1.876.413
238 $ 1.876.413 $ 636.385,78 $ 16.325 $ 620.060,98 $ 1.256.352
239 $ 1.256.352 $ 636.385,78 $ 10.930 $ 625.455,51 $ 630.897
-
240 $ 630.897 $ 636.385,78 $ 5.489 $ 630.896,97 0,00

88.732.586,75 64.000.000,00

Conclusiones

Dentro de la investigación realizada se dio a conocer la información más relevante de un estudio

de crédito hipotecario, sus tiempos de respuesta, documentación, plazos y tasas de interés que

Bancolombia efectúa con el fin de realizar un correcto análisis de crédito teniendo en cuenta las

normas establecidas por la Superintendencia Financiera de Colombia.

El caso a evaluar en específico fue el del señor Andrés Otalvaro, quien desea adquirir una

vivienda con un costo total de $80.000.000 COP y cuenta con $16.000.000 COP. Por esta razón,

decide tomar un crédito hipotecario por un valor total de $64.000.000 COP con Bancolombia.

Este, luego de una previa evaluación de riesgo, le aprueban el crédito y el banco le ofrece a

Andrés dos opciones de amortización, una en pesos y otra en Unidades de Valor Real – UVR.
 Seguido del análisis del costo y valor total a pagar de cada una de las opciones de

amortización de la deuda. Se concluye que la mejor opción para Andrés es acogerse a la

amortización en cuota fija en pesos, ya que en esta el valor total pagado es $15.818.740 COP

inferior al que tocaría pagar bajo el sistema UVR.

Referencias

Caurin, J. (2017). Plan de financiamiento. Emprende Pyme website:

https://www.emprendepyme.net/plan-de-financiacion

Grupo Bancolombia. (2020). Simulador solución inmobiliaria.

https://www.grupobancolombia.com/personas/creditos/vivienda/simulador-credito-vivienda