CONVERSIÓN DE TASA DE INTERES

12.00% EA 11% Nominal Trimestre Anticipado

???? Nominal T.A. ??? Nominal Mensual Vencido
4 No de Periodos 4 No de Periodos

12.00% EA 2.75% Periodico Trimestre Anticipado

11.49% Nominal T.V. 2.83% Periodico Trimestre Vencido
2.87% Per T.V 11.31% Nominal Trimestre Vencido
2.79% Per T.A. 11.80% E.A.
11.17% Nominal T.A. 11.21% Nominal Mensual Vencido

Pa = Periodica Anticipada Pa = Pv/(1+Pv)

Pv = Periodica Vencida Pv = Pa/(1-Pa)

Notas:
- SI se hace manual o en calculadora NO lo tome en porcentaje (dividalo por 100)
- El Numero de periodos varia de acuerdo a como nos brinden la tasa
Trimestre = 4
Semestre = 2
Mensual = 12
Bimestre = 6
 CALCULO DE VALOR PRESENTE

OPCIÓN 1 OPCIÓN 2
Teniendo el valor de la Cuota (Periódica) Teniendo el valor Futuro a cancelar

Cuota 500,000 Mensual Monto /VF 50,000,000

5 Anual 5 Anual
Periodo Periodo
60 Mensual 12 60 Mensual
15.0% Anual (E.A.) 13.0% Anual (E.A.)
Tasa Peri Tasa
1.171% Mesual (M.V.) odic 1.024% Mesual
(M.V.)
a

VP $ 21,460,812 VP $ 27,137,996.80
Pactado $ 30,000,000
12
 1,000,000 500,000 300,000 700,000 350,000
VPN = - + + + -
(1+ 0,01036)⁰ (1+ 0,01036)¹ (1+ 0,01036)² (1+ 0,01036)³ (1+ 0,01036)⁴

VPN = (15,778.63)
iea 10.36%
VF Periodo VP
Inversión Inicial (1,000,000) 0 ($ 1,000,000.00)
Pago 1 500,000 1 $ 453,062.70
Pago 2 300,000 2 $ 246,318.98
Pago 3 700,000 3 $ 520,790.39
Inversión Final (350,000) 4 ($ 235,950.70)
VPN (15,778.63)

VNA $ 984,221.37
RENTABILIDAD ($ 15,778.63)
 CALCULO DE VALOR FUTURO

OPCIÓN
OPCIÓN 2
1
Teniendo el valor de la Cuota (Periódica) Teniendo el Valor Presente

Cuota 500,000 Mensual Monto /VP 1,500,000

5 Anual 1 Anual
Periodo Periodo
60 Mensual 12 12 Mensual 12
27.0% Anual (E.A.) 6.0% Anual (E.A.)
Tasa Tasa
2.012% Mesual 0.487% Mesual
(M.V.) (M.V.)

VF $ 57,258,774 VF $ 1,590,000.00
$ 30,000,000
Inversión (1,000,000) VPN(TIR) = 0 = -1000000 + 250,000 + 460,000 + 580,000
Pago 1 250,000 (1+ TIR)⁰ (1+ TIR)¹ (1+ TIR)² (1+ TIR)³
Pago 2 460,000
Pago 3 580,000
TIR 12.141%
 CALCULO DE TASA EFECTIVA

Valor Presente 40,000 Tasa Efectiva 8.85%

Pagos /
2,700
Abonos
(α) Importe en (β) Ingreso (Y) (σ) Importe en los
Flujos de Libros al por interes Entrada libros al final del
Calculo TIR Año
Efectivo principio del al Z% (β = α /Salida de periodo (σ = α + β
periodo * Z%) Efectivo + Y)
VP 40,000 u.m. u.m. u.m. u.m.
Pagos (2,700) 2010 40,000 3,538 (2,700) 40,838
Pagos (2,700) 2011 40,838 3,612 (2,700) 41,750
Pagos (2,700) 2012 41,750 3,693 (2,700) 42,743
Pagos (2,700) 2013 42,743 3,781 (2,700) 43,824
Pagos (47,700) 2014 43,824 3,876 (47,700) (0)
Tasa 8.85%
Efectiva
DATOS
Analisis y SI ó Análisis de Hipotesis
 CALCULO AMORTIZACIONES DE CRÉDITOS

VP / Monto 30,000,000
5 Anual
Periodo
60 Mensual 12
Mesual
Tasa 1.0%
(M.V.)

CUOTA /PAGO $ 667,333.43

PAGO INT $ 177,125.54 Periodo 30

PAGO CAPITAL $ 490,207.89

 Prestamo 30,000,000
Periodo (Meses) 60
Tasa Pactada 1%

CUOTA FIJA (Alternativa 1) CUOTA FIJA (Alternativa 2)

Periodo Capital Intereses Cuota Saldo Capital Intereses

0 30,000,000
1 $ 367,333 $ 300,000 $ 667,333 $ 29,632,666.57 367,333 300,000
2 $ 371,007 $ 296,327 $ 667,333 $ 29,261,659.80 371,007 296,327
3 $ 374,717 $ 292,617 $ 667,333 $ 28,886,942.97 374,717 292,617
4 $ 378,464 $ 288,869 $ 667,333 $ 28,508,478.97 378,464 288,869
5 $ 382,249 $ 285,085 $ 667,333 $ 28,126,230.33 382,249 285,085
6 $ 386,071 $ 281,262 $ 667,333 $ 27,740,159.20 386,071 281,262
7 $ 389,932 $ 277,402 $ 667,333 $ 27,350,227.36 389,932 277,402
8 $ 393,831 $ 273,502 $ 667,333 $ 26,956,396.21 393,831 273,502
9 $ 397,769 $ 269,564 $ 667,333 $ 26,558,626.74 397,769 269,564
10 $ 401,747 $ 265,586 $ 667,333 $ 26,156,879.58 401,747 265,586
11 $ 405,765 $ 261,569 $ 667,333 $ 25,751,114.94 405,765 261,569
12 $ 409,822 $ 257,511 $ 667,333 $ 25,341,292.66 409,822 257,511
13 $ 413,921 $ 253,413 $ 667,333 $ 24,927,372.16 413,921 253,413
14 $ 418,060 $ 249,274 $ 667,333 $ 24,509,312.45 418,060 249,274
15 $ 422,240 $ 245,093 $ 667,333 $ 24,087,072.14 422,240 245,093
16 $ 426,463 $ 240,871 $ 667,333 $ 23,660,609.43 426,463 240,871
17 $ 430,727 $ 236,606 $ 667,333 $ 23,229,882.10 430,727 236,606
18 $ 435,035 $ 232,299 $ 667,333 $ 22,794,847.49 435,035 232,299
19 $ 439,385 $ 227,948 $ 667,333 $ 22,355,462.53 439,385 227,948
20 $ 443,779 $ 223,555 $ 667,333 $ 21,911,683.73 443,779 223,555
21 $ 448,217 $ 219,117 $ 667,333 $ 21,463,467.13 448,217 219,117
22 $ 452,699 $ 214,635 $ 667,333 $ 21,010,768.37 452,699 214,635
23 $ 457,226 $ 210,108 $ 667,333 $ 20,553,542.63 457,226 210,108
24 $ 461,798 $ 205,535 $ 667,333 $ 20,091,744.62 461,798 205,535
25 $ 466,416 $ 200,917 $ 667,333 $ 19,625,328.64 466,416 200,917
26 $ 471,080 $ 196,253 $ 667,333 $ 19,154,248.49 471,080 196,253
27 $ 475,791 $ 191,542 $ 667,333 $ 18,678,457.55 475,791 191,542
28 $ 480,549 $ 186,785 $ 667,333 $ 18,197,908.69 480,549 186,785
29 $ 485,354 $ 181,979 $ 667,333 $ 17,712,554.35 485,354 181,979
30 $ 490,208 $ 177,126 $ 667,333 $ 17,222,346.46 490,208 177,126
31 $ 495,110 $ 172,223 $ 667,333 $ 16,727,236.50 495,110 172,223
32 $ 500,061 $ 167,272 $ 667,333 $ 16,227,175.43 500,061 167,272
33 $ 505,062 $ 162,272 $ 667,333 $ 15,722,113.75 505,062 162,272
34 $ 510,112 $ 157,221 $ 667,333 $ 15,212,001.46 510,112 157,221
35 $ 515,213 $ 152,120 $ 667,333 $ 14,696,788.05 515,213 152,120
36 $ 520,366 $ 146,968 $ 667,333 $ 14,176,422.50 520,366 146,968
37 $ 525,569 $ 141,764 $ 667,333 $ 13,650,853.29 525,569 141,764
38 $ 530,825 $ 136,509 $ 667,333 $ 13,120,028.39 530,825 136,509
39 $ 536,133 $ 131,200 $ 667,333 $ 12,583,895.25 536,133 131,200
40 $ 541,494 $ 125,839 $ 667,333 $ 12,042,400.77 541,494 125,839
41 $ 546,909 $ 120,424 $ 667,333 $ 11,495,491.34 546,909 120,424
42 $ 552,379 $ 114,955 $ 667,333 $ 10,943,112.83 552,379 114,955
43 $ 557,902 $ 109,431 $ 667,333 $ 10,385,210.52 557,902 109,431
44 $ 563,481 $ 103,852 $ 667,333 $ 9,821,729.20 563,481 103,852
45 $ 569,116 $ 98,217 $ 667,333 $ 9,252,613.06 569,116 98,217
46 $ 574,807 $ 92,526 $ 667,333 $ 8,677,805.76 574,807 92,526
47 $ 580,555 $ 86,778 $ 667,333 $ 8,097,250.39 580,555 86,778
48 $ 586,361 $ 80,973 $ 667,333 $ 7,510,889.46 586,361 80,973
49 $ 592,225 $ 75,109 $ 667,333 $ 6,918,664.93 592,225 75,109
50 $ 598,147 $ 69,187 $ 667,333 $ 6,320,518.14 598,147 69,187
51 $ 604,128 $ 63,205 $ 667,333 $ 5,716,389.90 604,128 63,205
52 $ 610,170 $ 57,164 $ 667,333 $ 5,106,220.36 610,170 57,164
53 $ 616,271 $ 51,062 $ 667,333 $ 4,489,949.14 616,271 51,062
54 $ 622,434 $ 44,899 $ 667,333 $ 3,867,515.20 622,434 44,899
55 $ 628,658 $ 38,675 $ 667,333 $ 3,238,856.92 628,658 38,675
56 $ 634,945 $ 32,389 $ 667,333 $ 2,603,912.06 634,945 32,389
57 $ 641,294 $ 26,039 $ 667,333 $ 1,962,617.75 641,294 26,039
58 $ 647,707 $ 19,626 $ 667,333 $ 1,314,910.49 647,707 19,626
59 $ 654,184 $ 13,149 $ 667,333 $ 660,726.17 654,184 13,149
60 $ 660,726 $ 6,607 $ 667,333 ($ 0.00) 660,726 6,607
$ 40,040,006
TA FIJA (Alternativa 2) CUOTA VARIABLE

Saldo Capital Intereses Cuota Saldo

30,000,000 30,000,000
29,632,667 500,000 $ 300,000 800,000 29,500,000
29,261,660 500,000 $ 296,327 796,327 29,000,000
28,886,943 500,000 $ 292,617 792,617 28,500,000
28,508,479 500,000 $ 288,869 788,869 28,000,000
28,126,230 500,000 $ 285,085 785,085 27,500,000
27,740,159 500,000 $ 281,262 781,262 27,000,000
27,350,227 500,000 $ 277,402 777,402 26,500,000
26,956,396 500,000 $ 273,502 773,502 26,000,000
26,558,627 500,000 $ 269,564 769,564 25,500,000
26,156,880 500,000 $ 265,586 765,586 25,000,000
25,751,115 500,000 $ 261,569 761,569 24,500,000
25,341,293 500,000 $ 257,511 757,511 24,000,000
24,927,372 500,000 $ 253,413 753,413 23,500,000
24,509,312 500,000 $ 249,274 749,274 23,000,000
24,087,072 500,000 $ 245,093 745,093 22,500,000
23,660,609 500,000 $ 240,871 740,871 22,000,000
23,229,882 500,000 $ 236,606 736,606 21,500,000
22,794,847 500,000 $ 232,299 732,299 21,000,000
22,355,463 500,000 $ 227,948 727,948 20,500,000
21,911,684 500,000 $ 223,555 723,555 20,000,000
21,463,467 500,000 $ 219,117 719,117 19,500,000
21,010,768 500,000 $ 214,635 714,635 19,000,000
20,553,543 500,000 $ 210,108 710,108 18,500,000
20,091,745 500,000 $ 205,535 705,535 18,000,000
19,625,329 500,000 $ 200,917 700,917 17,500,000
19,154,248 500,000 $ 196,253 696,253 17,000,000
18,678,458 500,000 $ 191,542 691,542 16,500,000
18,197,909 500,000 $ 186,785 686,785 16,000,000
17,712,554 500,000 $ 181,979 681,979 15,500,000
17,222,346 500,000 $ 177,126 677,126 15,000,000
16,727,236 500,000 $ 172,223 672,223 14,500,000
16,227,175 500,000 $ 167,272 667,272 14,000,000
15,722,114 500,000 $ 162,272 662,272 13,500,000
15,212,001 500,000 $ 157,221 657,221 13,000,000
14,696,788 500,000 $ 152,120 652,120 12,500,000
14,176,422 500,000 $ 146,968 646,968 12,000,000
13,650,853 500,000 $ 141,764 641,764 11,500,000
13,120,028 500,000 $ 136,509 636,509 11,000,000
12,583,895 500,000 $ 131,200 631,200 10,500,000
12,042,401 500,000 $ 125,839 625,839 10,000,000
11,495,491 500,000 $ 120,424 620,424 9,500,000
10,943,113 500,000 $ 114,955 614,955 9,000,000
10,385,211 500,000 $ 109,431 609,431 8,500,000
9,821,729 500,000 $ 103,852 603,852 8,000,000
9,252,613 500,000 $ 98,217 598,217 7,500,000
8,677,806 500,000 $ 92,526 592,526 7,000,000
8,097,250 500,000 $ 86,778 586,778 6,500,000
7,510,889 500,000 $ 80,973 580,973 6,000,000
6,918,665 500,000 $ 75,109 575,109 5,500,000
6,320,518 500,000 $ 69,187 569,187 5,000,000
5,716,390 500,000 $ 63,205 563,205 4,500,000
5,106,220 500,000 $ 57,164 557,164 4,000,000
4,489,949 500,000 $ 51,062 551,062 3,500,000
3,867,515 500,000 $ 44,899 544,899 3,000,000
3,238,857 500,000 $ 38,675 538,675 2,500,000
2,603,912 500,000 $ 32,389 532,389 2,000,000
1,962,618 500,000 $ 26,039 526,039 1,500,000
1,314,910 500,000 $ 19,626 519,626 1,000,000
660,726 500,000 $ 13,149 513,149 500,000
(0) 500,000 $ 6,607 506,607 -
40,040,006
 ENTIDAD
No. OBLIGACIÓN
TIPO DE OBLIGACIÓN Lesing
VALOR INICIAL $ 130,000,000
FECHA DESEMBOLSO 9/15/2016
PLAZO (Meses) 120
TASA E.A. 18.500%
TASA M.V. 1.425%
OPCIÓN DE Valor $ 13,000,000
COMPRA % 10%
SALDO
No. CUOTAS CANCELADAS
FORMA DE PAGO Vencida
PERIODO DE GRACIAS (MESES) 0
CUOTA $ -
INTERÉS $ -
CAPITAL $ -
Valor
SEGURO %
Periodicidad
FNG No
MODALIDAD FNG
GARANTÍA
CUOTA DE MANEJO

Período Año Mes Período Capital Interés Cuota Saldo

9/15/2016 2016 9 0 $ 130,000,000
10/15/2016 2016 10 1 $ 373,721 $ 1,851,947 $ 2,225,668 $ 129,626,279
11/15/2016 2016 11 2 $ 379,045 $ 1,846,623 $ 2,225,668 $ 129,247,234
12/15/2016 2016 12 3 $ 384,445 $ 1,841,224 $ 2,225,668 $ 128,862,789
1/15/2017 2017 1 4 $ 389,921 $ 1,835,747 $ 2,225,668 $ 128,472,868
2/15/2017 2017 2 5 $ 395,476 $ 1,830,192 $ 2,225,668 $ 128,077,392
3/15/2017 2017 3 6 $ 401,110 $ 1,824,558 $ 2,225,668 $ 127,676,282
4/15/2017 2017 4 7 $ 406,824 $ 1,818,844 $ 2,225,668 $ 127,269,458
5/15/2017 2017 5 8 $ 412,620 $ 1,813,049 $ 2,225,668 $ 126,856,838
6/15/2017 2017 6 9 $ 418,498 $ 1,807,171 $ 2,225,668 $ 126,438,341
7/15/2017 2017 7 10 $ 424,459 $ 1,801,209 $ 2,225,668 $ 126,013,881
8/15/2017 2017 8 11 $ 430,506 $ 1,795,162 $ 2,225,668 $ 125,583,375
9/15/2017 2017 9 12 $ 436,639 $ 1,789,029 $ 2,225,668 $ 125,146,736
10/15/2017 2017 10 13 $ 442,859 $ 1,782,809 $ 2,225,668 $ 124,703,877
11/15/2017 2017 11 14 $ 449,168 $ 1,776,500 $ 2,225,668 $ 124,254,708
12/15/2017 2017 12 15 $ 455,567 $ 1,770,101 $ 2,225,668 $ 123,799,141
1/15/2018 2018 1 16 $ 462,057 $ 1,763,611 $ 2,225,668 $ 123,337,085
2/15/2018 2018 2 17 $ 468,639 $ 1,757,029 $ 2,225,668 $ 122,868,445
3/15/2018 2018 3 18 $ 475,315 $ 1,750,353 $ 2,225,668 $ 122,393,130
4/15/2018 2018 4 19 $ 482,087 $ 1,743,582 $ 2,225,668 $ 121,911,044
 5/15/2018 2018 5 20 $ 488,954 $ 1,736,714 $ 2,225,668 $ 121,422,089
6/15/2018 2018 6 21 $ 495,920 $ 1,729,749 $ 2,225,668 $ 120,926,170
7/15/2018 2018 7 22 $ 502,984 $ 1,722,684 $ 2,225,668 $ 120,423,185
8/15/2018 2018 8 23 $ 510,150 $ 1,715,518 $ 2,225,668 $ 119,913,035
9/15/2018 2018 9 24 $ 517,417 $ 1,708,251 $ 2,225,668 $ 119,395,618
10/15/2018 2018 10 25 $ 524,788 $ 1,700,880 $ 2,225,668 $ 118,870,830
11/15/2018 2018 11 26 $ 532,264 $ 1,693,404 $ 2,225,668 $ 118,338,565
12/15/2018 2018 12 27 $ 539,847 $ 1,685,821 $ 2,225,668 $ 117,798,719
1/15/2019 2019 1 28 $ 547,537 $ 1,678,131 $ 2,225,668 $ 117,251,181
2/15/2019 2019 2 29 $ 555,337 $ 1,670,331 $ 2,225,668 $ 116,695,844
3/15/2019 2019 3 30 $ 563,249 $ 1,662,420 $ 2,225,668 $ 116,132,595
4/15/2019 2019 4 31 $ 571,273 $ 1,654,396 $ 2,225,668 $ 115,561,323
5/15/2019 2019 5 32 $ 579,411 $ 1,646,258 $ 2,225,668 $ 114,981,912
6/15/2019 2019 6 33 $ 587,665 $ 1,638,003 $ 2,225,668 $ 114,394,247
7/15/2019 2019 7 34 $ 596,037 $ 1,629,632 $ 2,225,668 $ 113,798,210
8/15/2019 2019 8 35 $ 604,528 $ 1,621,141 $ 2,225,668 $ 113,193,683
9/15/2019 2019 9 36 $ 613,140 $ 1,612,529 $ 2,225,668 $ 112,580,543
10/15/2019 2019 10 37 $ 621,874 $ 1,603,794 $ 2,225,668 $ 111,958,669
11/15/2019 2019 11 38 $ 630,733 $ 1,594,935 $ 2,225,668 $ 111,327,936
12/15/2019 2019 12 39 $ 639,718 $ 1,585,950 $ 2,225,668 $ 110,688,217
1/15/2020 2020 1 40 $ 648,832 $ 1,576,836 $ 2,225,668 $ 110,039,386
2/15/2020 2020 2 41 $ 658,075 $ 1,567,593 $ 2,225,668 $ 109,381,311
3/15/2020 2020 3 42 $ 667,450 $ 1,558,219 $ 2,225,668 $ 108,713,861
4/15/2020 2020 4 43 $ 676,958 $ 1,548,710 $ 2,225,668 $ 108,036,903
5/15/2020 2020 5 44 $ 686,602 $ 1,539,067 $ 2,225,668 $ 107,350,302
6/15/2020 2020 6 45 $ 696,383 $ 1,529,285 $ 2,225,668 $ 106,653,919
7/15/2020 2020 7 46 $ 706,303 $ 1,519,365 $ 2,225,668 $ 105,947,615
8/15/2020 2020 8 47 $ 716,365 $ 1,509,303 $ 2,225,668 $ 105,231,250
9/15/2020 2020 9 48 $ 726,570 $ 1,499,098 $ 2,225,668 $ 104,504,680
10/15/2020 2020 10 49 $ 736,921 $ 1,488,747 $ 2,225,668 $ 103,767,759
11/15/2020 2020 11 50 $ 747,419 $ 1,478,249 $ 2,225,668 $ 103,020,340
12/15/2020 2020 12 51 $ 758,066 $ 1,467,602 $ 2,225,668 $ 102,262,274
1/15/2021 2021 1 52 $ 768,866 $ 1,456,803 $ 2,225,668 $ 101,493,408
2/15/2021 2021 2 53 $ 779,819 $ 1,445,850 $ 2,225,668 $ 100,713,589
3/15/2021 2021 3 54 $ 790,928 $ 1,434,740 $ 2,225,668 $ 99,922,662
4/15/2021 2021 4 55 $ 802,195 $ 1,423,473 $ 2,225,668 $ 99,120,466
5/15/2021 2021 5 56 $ 813,623 $ 1,412,045 $ 2,225,668 $ 98,306,843
6/15/2021 2021 6 57 $ 825,214 $ 1,400,455 $ 2,225,668 $ 97,481,630
7/15/2021 2021 7 58 $ 836,969 $ 1,388,699 $ 2,225,668 $ 96,644,660
8/15/2021 2021 8 59 $ 848,893 $ 1,376,776 $ 2,225,668 $ 95,795,767
9/15/2021 2021 9 60 $ 860,986 $ 1,364,682 $ 2,225,668 $ 94,934,782
10/15/2021 2021 10 61 $ 873,251 $ 1,352,417 $ 2,225,668 $ 94,061,530
11/15/2021 2021 11 62 $ 885,691 $ 1,339,977 $ 2,225,668 $ 93,175,839
12/15/2021 2021 12 63 $ 898,309 $ 1,327,360 $ 2,225,668 $ 92,277,530
1/15/2022 2022 1 64 $ 911,106 $ 1,314,562 $ 2,225,668 $ 91,366,424
2/15/2022 2022 2 65 $ 924,085 $ 1,301,583 $ 2,225,668 $ 90,442,339
3/15/2022 2022 3 66 $ 937,249 $ 1,288,419 $ 2,225,668 $ 89,505,090
 4/15/2022 2022 4 67 $ 950,601 $ 1,275,067 $ 2,225,668 $ 88,554,489
5/15/2022 2022 5 68 $ 964,143 $ 1,261,525 $ 2,225,668 $ 87,590,345
6/15/2022 2022 6 69 $ 977,878 $ 1,247,790 $ 2,225,668 $ 86,612,467
7/15/2022 2022 7 70 $ 991,809 $ 1,233,859 $ 2,225,668 $ 85,620,658
8/15/2022 2022 8 71 $ 1,005,938 $ 1,219,730 $ 2,225,668 $ 84,614,720
9/15/2022 2022 9 72 $ 1,020,268 $ 1,205,400 $ 2,225,668 $ 83,594,452
10/15/2022 2022 10 73 $ 1,034,803 $ 1,190,866 $ 2,225,668 $ 82,559,649
11/15/2022 2022 11 74 $ 1,049,544 $ 1,176,124 $ 2,225,668 $ 81,510,105
12/15/2022 2022 12 75 $ 1,064,496 $ 1,161,172 $ 2,225,668 $ 80,445,609
1/15/2023 2023 1 76 $ 1,079,660 $ 1,146,008 $ 2,225,668 $ 79,365,949
2/15/2023 2023 2 77 $ 1,095,041 $ 1,130,627 $ 2,225,668 $ 78,270,908
3/15/2023 2023 3 78 $ 1,110,641 $ 1,115,028 $ 2,225,668 $ 77,160,267
4/15/2023 2023 4 79 $ 1,126,462 $ 1,099,206 $ 2,225,668 $ 76,033,805
5/15/2023 2023 5 80 $ 1,142,510 $ 1,083,158 $ 2,225,668 $ 74,891,295
6/15/2023 2023 6 81 $ 1,158,786 $ 1,066,883 $ 2,225,668 $ 73,732,509
7/15/2023 2023 7 82 $ 1,175,293 $ 1,050,375 $ 2,225,668 $ 72,557,216
8/15/2023 2023 8 83 $ 1,192,036 $ 1,033,632 $ 2,225,668 $ 71,365,180
9/15/2023 2023 9 84 $ 1,209,018 $ 1,016,650 $ 2,225,668 $ 70,156,162
10/15/2023 2023 10 85 $ 1,226,241 $ 999,427 $ 2,225,668 $ 68,929,920
11/15/2023 2023 11 86 $ 1,243,710 $ 981,958 $ 2,225,668 $ 67,686,211
12/15/2023 2023 12 87 $ 1,261,428 $ 964,241 $ 2,225,668 $ 66,424,783
1/15/2024 2024 1 88 $ 1,279,398 $ 946,271 $ 2,225,668 $ 65,145,386
2/15/2024 2024 2 89 $ 1,297,623 $ 928,045 $ 2,225,668 $ 63,847,762
3/15/2024 2024 3 90 $ 1,316,109 $ 909,559 $ 2,225,668 $ 62,531,653
4/15/2024 2024 4 91 $ 1,334,858 $ 890,810 $ 2,225,668 $ 61,196,795
5/15/2024 2024 5 92 $ 1,353,874 $ 871,794 $ 2,225,668 $ 59,842,921
6/15/2024 2024 6 93 $ 1,373,161 $ 852,507 $ 2,225,668 $ 58,469,760
7/15/2024 2024 7 94 $ 1,392,723 $ 832,945 $ 2,225,668 $ 57,077,037
8/15/2024 2024 8 95 $ 1,412,563 $ 813,105 $ 2,225,668 $ 55,664,474
9/15/2024 2024 9 96 $ 1,432,686 $ 792,982 $ 2,225,668 $ 54,231,788
10/15/2024 2024 10 97 $ 1,453,096 $ 772,572 $ 2,225,668 $ 52,778,692
11/15/2024 2024 11 98 $ 1,473,796 $ 751,872 $ 2,225,668 $ 51,304,895
12/15/2024 2024 12 99 $ 1,494,792 $ 730,877 $ 2,225,668 $ 49,810,104
1/15/2025 2025 1 100 $ 1,516,086 $ 709,582 $ 2,225,668 $ 48,294,018
2/15/2025 2025 2 101 $ 1,537,684 $ 687,984 $ 2,225,668 $ 46,756,334
3/15/2025 2025 3 102 $ 1,559,589 $ 666,079 $ 2,225,668 $ 45,196,745
4/15/2025 2025 4 103 $ 1,581,807 $ 643,861 $ 2,225,668 $ 43,614,938
5/15/2025 2025 5 104 $ 1,604,341 $ 621,327 $ 2,225,668 $ 42,010,597
6/15/2025 2025 6 105 $ 1,627,196 $ 598,472 $ 2,225,668 $ 40,383,401
7/15/2025 2025 7 106 $ 1,650,376 $ 575,292 $ 2,225,668 $ 38,733,025
8/15/2025 2025 8 107 $ 1,673,887 $ 551,781 $ 2,225,668 $ 37,059,137
9/15/2025 2025 9 108 $ 1,697,733 $ 527,935 $ 2,225,668 $ 35,361,404
10/15/2025 2025 10 109 $ 1,721,919 $ 503,750 $ 2,225,668 $ 33,639,486
11/15/2025 2025 11 110 $ 1,746,449 $ 479,220 $ 2,225,668 $ 31,893,037
12/15/2025 2025 12 111 $ 1,771,328 $ 454,340 $ 2,225,668 $ 30,121,709
1/15/2026 2026 1 112 $ 1,796,562 $ 429,106 $ 2,225,668 $ 28,325,147
2/15/2026 2026 2 113 $ 1,822,155 $ 403,513 $ 2,225,668 $ 26,502,992
3/15/2026 2026 3 114 $ 1,848,113 $ 377,555 $ 2,225,668 $ 24,654,878
4/15/2026 2026 4 115 $ 1,874,441 $ 351,227 $ 2,225,668 $ 22,780,437
5/15/2026 2026 5 116 $ 1,901,144 $ 324,524 $ 2,225,668 $ 20,879,293
6/15/2026 2026 6 117 $ 1,928,227 $ 297,441 $ 2,225,668 $ 18,951,066
7/15/2026 2026 7 118 $ 1,955,696 $ 269,972 $ 2,225,668 $ 16,995,370
8/15/2026 2026 8 119 $ 1,983,556 $ 242,112 $ 2,225,668 $ 15,011,814
9/15/2026 2026 9 120 $ 2,011,814 $ 213,855 $ 2,225,668 $ 13,000,000
TOTALES $ 117,000,000 $ 150,080,191 $ 267,080,191
 ENTIDAD

No. OBLIGACIÓN
TIPO DE OBLIGACIÓN
VALOR INICIAL $ 1,000,000
FECHA DESEMBOLSO 11/2/2012
PLAZO 24
PUNTOS - DTF (E.A.) 10.00%
TASA - M.V. 0.80%
OPCIÓN DE Valor
COMPRA %
SALDO
No. CUOTAS CANCELADAS

FORMA DE PAGO Cuota Fija

PERIODO DE GRACIAS (MESES)

CUOTA $ 65,946
INTERÉS $ 7,671
CAPITAL $ 38,275
Valor $ 10,000
SEGURO %
Periodicidad Mensual
FNG si
MODALIDAD FNG Anual Anticipada
GARANTÍA
CUOTA DE MANEJO $ 10,000

Período Año Mes Período Capital Interés Cuota

11/2/2012 2012 11 0
12/2/2012 2012 12 1 $ 37,972 $ 7,974 $ 93,206
1/2/2013 2013 1 2 $ 38,275 $ 7,671 $ 65,946
2/2/2013 2013 2 3 $ 38,580 $ 7,366 $ 65,946
3/2/2013 2013 3 4 $ 38,888 $ 7,058 $ 65,946
4/2/2013 2013 4 5 $ 39,198 $ 6,748 $ 65,946
5/2/2013 2013 5 6 $ 39,510 $ 6,436 $ 65,946
6/2/2013 2013 6 7 $ 39,825 $ 6,121 $ 65,946
7/2/2013 2013 7 8 $ 40,143 $ 5,803 $ 65,946
8/2/2013 2013 8 9 $ 40,463 $ 5,483 $ 65,946
9/2/2013 2013 9 10 $ 40,786 $ 5,160 $ 65,946
10/2/2013 2013 10 11 $ 41,111 $ 4,835 $ 65,946
11/2/2013 2013 11 12 $ 41,439 $ 4,507 $ 93,206
12/2/2013 2013 12 13 $ 41,769 $ 4,177 $ 65,946
1/2/2014 2014 1 14 $ 42,102 $ 3,844 $ 65,946
2/2/2014 2014 2 15 $ 42,438 $ 3,508 $ 65,946
3/2/2014 2014 3 16 $ 42,777 $ 3,170 $ 65,946
 4/2/2014 2014 4 17 $ 43,118 $ 2,829 $ 65,946
5/2/2014 2014 5 18 $ 43,461 $ 2,485 $ 65,946
6/2/2014 2014 6 19 $ 43,808 $ 2,138 $ 65,946
7/2/2014 2014 7 20 $ 44,157 $ 1,789 $ 65,946
8/2/2014 2014 8 21 $ 44,509 $ 1,437 $ 65,946
9/2/2014 2014 9 22 $ 44,864 $ 1,082 $ 65,946
10/2/2014 2014 10 23 $ 45,222 $ 724 $ 65,946
11/2/2014 2014 11 24 $ 45,583 $ 363 $ 93,206
TOTALES $ 1,000,000 $ 102,710 $ 1,664,490
 REGRESAR

CALCULO COMISIÓN FONDO NACIONAL DE GARANTÍ

DTF (E.A.) Producto EMP001

Decremento 0.0% Cobertura 50
Tipo Comision Anual Anticipada
Valor Credito $1,000,000.00
Plazo Meses 24
Rango Tarifa 41 - 50
Meses Cobro 0
Tarifa 2.35%

Comision 23,500.00
Iva 3,760.00
Total FNG 27,260.00
Vr Desembolso 1,000,000.00
Observaciones
La Comision se descuenta del valor del cred

Saldo
$ 1,000,000
$ 962,028
$ 923,753
$ 885,173
$ 846,285
$ 807,087
$ 767,577
$ 727,751
$ 687,608
$ 647,145
$ 606,359
$ 565,248
$ 523,810
$ 482,040
$ 439,938
$ 397,500
$ 354,723
$ 311,606
$ 268,144
$ 224,336
$ 180,179
$ 135,669
$ 90,805
$ 45,583
$0
DO NACIONAL DE GARANTÍAS

Multiproposito
50
Anual Anticipada
$1,000,000.00
24
41 - 50
0
2.35%

23,500.00
3,760.00
27,260.00
1,000,000.00

e descuenta del valor del credito

Tarifas Al 01/12/2014