0.

89% EM TIEMPO 12
11.22% EA

PERIODO CUOTA INTERES ABONO A CAPITAL

0
1 $ 308,816 $ 31,154 $ 277,662
2 $ 308,816 $ 28,682 $ 280,133
3 $ 308,816 $ 26,189 $ 282,627
4 $ 308,816 $ 23,673 $ 285,143
5 $ 308,816 $ 21,135 $ 287,681
6 $ 308,816 $ 18,574 $ 290,241
7 $ 308,816 $ 15,991 $ 292,825
8 $ 308,816 $ 13,384 $ 295,431
9 $ 308,816 $ 10,755 $ 298,061
10 $ 308,816 $ 8,102 $ 300,714
11 $ 308,816 $ 5,425 $ 303,391
12 $ 308,816 $ 2,725 $ 306,091
CANTIDAD 3,500,000
TASA 0.89% EM
TIEMPO 12

SALDO
3,500,000
$ 3,222,338
$ 2,942,205
$ 2,659,578
$ 2,374,435
$ 2,086,754
$ 1,796,513
$ 1,503,688
$ 1,208,257
$ 910,196
$ 609,482
$ 306,091
$0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERESABONO A CAPITAL

0
1 $ 31,154 -$ 31,154
2 $ 31,431 -$ 31,431
3 $ 31,711 -$ 31,711
4 $ 31,993 -$ 31,993
5 $ 32,278 -$ 32,278
6 $ 32,565 -$ 32,565
7 $ 32,855 -$ 32,855
8 $ 33,147 -$ 33,147
9 $ 33,442 -$ 33,442
10 $ 33,740 -$ 33,740
11 $ 34,040 -$ 34,040
12 $ 3,892,700 $ 34,343 $ 3,858,357
 SALDO
3,500,000
$ 3,531,154
$ 3,562,585
$ 3,594,295
$ 3,626,288
$ 3,658,566
$ 3,691,131
$ 3,723,986
$ 3,757,134
$ 3,790,576
$ 3,824,316
$ 3,858,357
$0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERES

0
1 $ 308,816 $ 31,154
2 $ 308,816 $ 28,682
3 $ 308,816 $ 26,189
4 $ 308,816 $ 23,673
5 $ 308,816 $ 21,135
6 $ 308,816 $ 18,574
7 $ 102,539 $ 5,310
8 $ 102,539 $ 4,444
9 $ 102,539 $ 3,571
10 $ 102,539 $ 2,690
11 $ 102,539 $ 1,801
12 $ 102,539 $ 905
 $ 308,816

ABONO A CAPITAL EXTRA SALDO

3,500,000
$ 277,662 $ 3,222,338
$ 280,133 $ 2,942,205
$ 282,627 $ 2,659,578
$ 285,143 $ 2,374,435
$ 287,681 $ 2,086,754
$ 290,241 $ 1,200,000 $ 596,513
$ 97,229 $ 499,283
$ 98,095 $ 401,189
$ 98,968 $ 302,221
$ 99,849 $ 202,372
$ 100,738 $ 101,634
$ 101,634 $0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA
0
1 $ 308,816
2 $ 308,816
3 $ 308,816
4 $ 308,816
5 $ 308,816
6 $ 308,816
7 $ 308,816
8 $ 295,615
9
10
11
12
 $ 308,816

INTERESABONO A CAPITAL EXTRA SALDO

3,500,000
$ 31,154 $ 277,662 $ 3,222,338
$ 28,682 $ 280,133 $ 2,942,205
$ 26,189 $ 282,627 $ 2,659,578
$ 23,673 $ 285,143 $ 2,374,435
$ 21,135 $ 287,681 $ 2,086,754
$ 18,574 $ 290,241 $ 1,200,000 $ 596,513
$ 5,310 $ 303,506 $ 293,007
$ 2,608 $ 293,007 $0
$0 $0
$0 $0
$0 $0
$0 $0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERESABONO A CAPITAL

0
1 $ 31,154 -$ 31,154
2 $ 31,431 -$ 31,431
3 $ 31,711 -$ 31,711
4 $ 417,350 $ 31,993 $ 385,357
5 $ 417,350 $ 28,563 $ 388,787
6 $ 417,350 $ 25,102 $ 392,248
7 $ 417,350 $ 21,611 $ 395,739
8 $ 417,350 $ 18,088 $ 399,262
9 $ 417,350 $ 14,535 $ 402,815
10 $ 417,350 $ 10,949 $ 406,401
11 $ 417,350 $ 7,332 $ 410,018
12 $ 417,350 $ 3,682 $ 413,668
 SALDO
3,500,000
$ 3,531,154
$ 3,562,585
$ 3,594,295
$ 3,208,938
$ 2,820,151
$ 2,427,904
$ 2,032,164
$ 1,632,903
$ 1,230,087
$ 823,686
$ 413,668
$0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERES

0
1 $ 322,820 $ 31,154
2 $ 320,224 $ 28,558
3 $ 317,628 $ 25,961
4 $ 315,032 $ 23,365
5 $ 312,436 $ 20,769
6 $ 309,840 $ 18,173
7 $ 307,244 $ 15,577
8 $ 304,647 $ 12,981
9 $ 302,051 $ 10,385
10 $ 299,455 $ 7,788
11 $ 296,859 $ 5,192
12 $ 294,263 $ 2,596
ABONO A CAPITAL SALDO
3,500,000
$ 291,667 $ 3,208,333
$ 291,667 $ 2,916,667
$ 291,667 $ 2,625,000
$ 291,667 $ 2,333,333
$ 291,667 $ 2,041,667
$ 291,667 $ 1,750,000
$ 291,667 $ 1,458,333
$ 291,667 $ 1,166,667
$ 291,667 $ 875,000
$ 291,667 $ 583,333
$ 291,667 $ 291,667
$ 291,667 $0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERES

0
1 $ 322,820 $ 31,154
2 $ 322,820 $ 31,154
3 $ 322,820 $ 31,154
4 $ 322,820 $ 31,154
5 $ 322,820 $ 31,154
6 $ 322,820 $ 31,154
7 $ 322,820 $ 31,154
8 $ 322,820 $ 31,154
9 $ 322,820 $ 31,154
10 $ 322,820 $ 31,154
11 $ 322,820 $ 31,154
12 $ 322,820 $ 31,154
ABONO A CAPITAL SALDO
3,500,000
$ 291,667 $ 3,208,333
$ 291,667 $ 2,916,667
$ 291,667 $ 2,625,000
$ 291,667 $ 2,333,333
$ 291,667 $ 2,041,667
$ 291,667 $ 1,750,000
$ 291,667 $ 1,458,333
$ 291,667 $ 1,166,667
$ 291,667 $ 875,000
$ 291,667 $ 583,333
$ 291,667 $ 291,667
$ 291,667 $0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERESABONO A CAPITAL

0
1 $ 200,927 $ 31,154 $ 169,774
2 $ 220,927 $ 29,643 $ 191,285
3 $ 240,927 $ 27,940 $ 212,987
4 $ 260,927 $ 26,044 $ 234,883
5 $ 280,927 $ 23,953 $ 256,974
6 $ 300,927 $ 21,666 $ 279,261
7 $ 320,927 $ 19,180 $ 301,747
8 $ 340,927 $ 16,494 $ 324,433
9 $ 360,927 $ 13,607 $ 347,321
10 $ 380,927 $ 10,515 $ 370,412
11 $ 400,927 $ 7,218 $ 393,709
12 $ 420,927 $ 3,714 $ 417,214
GRADIENTE $ 20,000
PRIMERA CUOTA $ 200,927

SALDO
3,500,000
$ 3,330,226
$ 3,138,942
$ 2,925,954
$ 2,691,071
$ 2,434,097
$ 2,154,836
$ 1,853,089
$ 1,528,656
$ 1,181,335
$ 810,923
$ 417,214
$0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERES ABONO A CAPITAL

0
1 $ 234,015 $ 31,154 $ 202,861
2 $ 245,716 $ 29,348 $ 216,368
3 $ 258,002 $ 27,422 $ 230,580
4 $ 270,902 $ 25,370 $ 245,532
5 $ 284,447 $ 23,184 $ 261,263
6 $ 298,669 $ 20,859 $ 277,810
7 $ 313,603 $ 18,386 $ 295,217
8 $ 329,283 $ 15,758 $ 313,525
9 $ 345,747 $ 12,967 $ 332,779
10 $ 363,034 $ 10,005 $ 353,029
11 $ 381,186 $ 6,863 $ 374,323
12 $ 400,245 $ 3,531 $ 396,714
GRADIENTE 5%
PRIMERA CU $ 234,015

SALDO
3,500,000
$ 3,297,139
$ 3,080,771
$ 2,850,191
$ 2,604,659
$ 2,343,397
$ 2,065,586
$ 1,770,370
$ 1,456,845
$ 1,124,066
$ 771,037
$ 396,714
$0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERESABONO A CAPITAL

0
1 $ 300,931 $ 16,953 $ 283,978
2 $ 302,433 $ 18,285 $ 284,149
3 $ 303,305 $ 18,225 $ 285,079
4 $ 305,134 $ 19,687 $ 285,447
5 $ 306,446 $ 19,855 $ 286,591
6 $ 306,830 $ 18,106 $ 288,724
7 $ 307,318 $ 16,410 $ 290,908
8 $ 308,020 $ 14,893 $ 293,127
9 $ 308,466 $ 12,680 $ 295,786
10 $ 308,687 $ 9,889 $ 298,798
11 $ 308,849 $ 6,844 $ 302,006
12 $ 308,605 $ 3,197 $ 305,408
 TASA TDF
EM EA
SALDO Apr-22 0.48% 5.97%
3,500,000 May-22 0.57% 7.04%
$ 3,216,022 Jun-22 0.62% 7.72%
$ 2,931,874 Jul-22 0.74% 9.30%
$ 2,646,795 Aug-22 0.84% 10.57%
$ 2,361,348 Sep-22 0.87% 10.99%
$ 2,074,757 Oct-22 0.92% 11.60%
$ 1,786,033 Nov-22 1.00% 12.63%
$ 1,495,125 Dec-22 1.05% 13.42%
$ 1,201,998 Jan-23 1.09% 13.91%
$ 906,212 Feb-23 1.13% 14.39%
$ 607,414 Mar-23 1.05% 13.31%
$ 305,408
$0
 0.89% EM PRESTAMO $ 3,500,000
11.22% EA PERIODO 12
TASA 0.89%

PERIODO CUOTA INTERES

0
1 $ 308,620 $ 16,953
2 $ 309,908 $ 18,241
3 $ 309,798 $ 18,131
4 $ 311,192 $ 19,525
5 $ 311,286 $ 19,620
6 $ 309,484 $ 17,818
7 $ 307,745 $ 16,079
8 $ 306,193 $ 14,526
9 $ 303,974 $ 12,307
10 $ 301,215 $ 9,548
11 $ 298,239 $ 6,572
12 $ 294,720 $ 3,053
 TASA TDF
EM EA
ABONO A CAPITAL SALDO Apr-22 0.48% 5.97%
3,500,000 May-22 0.57% 7.04%
$ 291,667 $ 3,208,333 Jun-22 0.62% 7.72%
$ 291,667 $ 2,916,667 Jul-22 0.74% 9.30%
$ 291,667 $ 2,625,000 Aug-22 0.84% 10.57%
$ 291,667 $ 2,333,333 Sep-22 0.87% 10.99%
$ 291,667 $ 2,041,667 Oct-22 0.92% 11.60%
$ 291,667 $ 1,750,000 Nov-22 1.00% 12.63%
$ 291,667 $ 1,458,333 Dec-22 1.05% 13.42%
$ 291,667 $ 1,166,667 Jan-23 1.09% 13.91%
$ 291,667 $ 875,000 Feb-23 1.13% 14.39%
$ 291,667 $ 583,333 Mar-23 1.05% 13.31%
$ 291,667 $ 291,667
$ 291,667 $0
 PRESTAMO $ 3,500,000
0.89% EM TIEMPO 12
11.22% EA TASA 0.89%
OPCION DE COMPRA $ 350,000
CANON MENSUAL $ 281,049

PERIODO CUOTA
0
1 $ 281,049
2 $ 281,049
3 $ 281,049
4 $ 281,049
5 $ 281,049
6 $ 281,049
7 $ 281,049
8 $ 281,049
9 $ 281,049
10 $ 281,049
11 $ 281,049
12 $ 281,049
 $ 350,000

INTERES ABONO A CAPITAL SALDO

3,500,000
$ 31,154 $ 249,896 $ 3,250,104
$ 28,929 $ 252,120 $ 2,997,984
$ 26,685 $ 254,364 $ 2,743,620
$ 24,421 $ 256,628 $ 2,486,991
$ 22,137 $ 258,913 $ 2,228,079
$ 19,832 $ 261,217 $ 1,966,862
$ 17,507 $ 263,542 $ 1,703,319
$ 15,161 $ 265,888 $ 1,437,431
$ 12,795 $ 268,255 $ 1,169,176
$ 10,407 $ 270,643 $ 898,534
$ 7,998 $ 273,052 $ 625,482
$ 5,567 $ 275,482 $ 350,000
PRESTAMO $ 3,500,000
PLAZO 12 MESES
TASA 0.89% EM
TASA 11.22% EA
MONTO EN UVR $ 10,675.8418 PERIODO SALDO INICIAL INTERES
0 $ 10,675.8418
1 $ 10,675.8418 95.0262
2 $ 9,828.9059 87.4876
3 $ 8,974.4314 79.8819
4 $ 8,112.3512 72.2084
5 $ 7,242.5975 64.4667
6 $ 6,365.1021 56.6561
7 $ 5,479.7961 48.7759
8 $ 4,586.6100 40.8256
9 $ 3,685.4735 32.8046
10 $ 2,776.3160 24.7121
11 $ 1,859.0661 16.5476
12 $ 933.6516 8.3105
 FECHA UVR/PESO VAR % ANUAL
2/1/2023 327.843 13.87
2/2/2023 332.6236 13.19
2/3/2023 338.6143 13.27

PAGO ABONO SALDO FINAL FLUJO DE CAJA PERIODO UVR

$ 10,675.8418 $ 10,675.8418 2/1/2023 $ 327.84
$ 941.9621 846.9359 $ 9,828.9059 -$ 941.9621 3/1/2023 $ 332.6236
$ 941.9621 854.4745 $ 8,974.4314 -$ 941.9621 4/1/2023 $ 338.6143
$ 941.9621 862.0802 $ 8,112.3512 -$ 941.9621 5/1/2023 $ 339.6247
$ 941.9621 869.7536 $ 7,242.5975 -$ 941.9621 6/1/2023 $ 340.6352
$ 941.9621 877.4954 $ 6,365.1021 -$ 941.9621 7/1/2023 $ 341.6247
$ 941.9621 885.3060 $ 5,479.7961 -$ 941.9621 8/1/2023 $ 342.6143
$ 941.9621 893.1862 $ 4,586.6100 -$ 941.9621 9/1/2023 $ 343.6039
$ 941.9621 901.1364 $ 3,685.4735 -$ 941.9621 10/1/2023 $ 344.6143
$ 941.9621 909.1575 $ 2,776.3160 -$ 941.9621 11/1/2023 $ 345.6247
$ 941.9621 917.2500 $ 1,859.0661 -$ 941.9621 12/1/2023 $ 346.6352
$ 941.9621 925.4145 $ 933.6516 -$ 941.9621 1/1/2024 $ 347.7680
$ 941.9621 933.6516 $ 0.0000 -$ 941.9621 2/1/2024 $ 348.9008
 INFLACION FEB 2023 - ANUAL 13.28% INFLACION PROM 2024 - F
INFLACION FEB 2023 - MENSUAL 1.04% INFLACION PROM 2024 MES

SALDO INICIAL INTERES PAGO ABONO SALDO FINAL FLUJO DE CAJA

$ 3,500,000 $ 3,500,000 $ 3,500,000
$ 3,551,037 $ 31,608 $ 313,319 $ 281,711 $ 3,269,326 -$ 313,319
$ 3,551,037 $ 29,625 $ 318,962 $ 289,337 $ 3,038,871 -$ 318,962
$ 3,551,037 $ 27,130 $ 319,914 $ 292,784 $ 2,755,155 -$ 319,914
$ 3,551,037 $ 24,597 $ 320,865 $ 296,269 $ 2,467,084 -$ 320,865
$ 3,551,037 $ 22,023 $ 321,798 $ 299,774 $ 2,174,476 -$ 321,798
$ 3,551,037 $ 19,411 $ 322,730 $ 303,318 $ 1,877,457 -$ 322,730
$ 3,551,037 $ 16,760 $ 323,662 $ 306,902 $ 1,575,977 -$ 323,662
$ 3,551,037 $ 14,069 $ 324,614 $ 310,545 $ 1,270,067 -$ 324,614
$ 3,551,037 $ 11,338 $ 325,565 $ 314,227 $ 959,564 -$ 325,565
$ 3,551,037 $ 8,566 $ 326,517 $ 317,951 $ 644,418 -$ 326,517
$ 3,551,037 $ 5,755 $ 327,584 $ 321,830 $ 324,694 -$ 327,584
$ 3,551,037 $ 2,900 $ 328,651 $ 325,752 $0 -$ 328,651
 4.8%
0.39%