Capital Periodo Tasa de interés Cuota

12,337,420 36 1.24% $ 424,977.97

Seguro Gastos
9140.8 232

TABLA DE AMORTIZACION
PERIODO SALDO INICIAL INTERESES
0 12,337,420
1 12,337,420 153,539
2 12,056,608 150,044
3 11,772,302 146,506
4 11,484,458 142,924
5 11,193,031 139,297
6 10,897,977 135,625
7 10,599,252 131,908
8 10,296,809 128,144
9 9,990,602 124,333
10 9,680,584 120,475
11 9,366,708 116,569
12 9,048,926 112,614
13 8,727,189 108,610
14 8,401,448 104,556
15 8,071,654 100,452
16 7,737,755 96,296
17 7,399,700 92,089
18 7,057,439 87,830
19 6,710,918 83,517
20 6,360,084 79,151
21 6,004,885 74,731
22 5,645,265 70,255
23 5,281,170 65,724
24 4,912,543 61,137
25 4,539,329 56,492
26 4,161,470 51,789
27 3,778,909 47,029
28 3,391,586 42,208
29 2,999,444 37,328
30 2,602,421 32,387
31 2,200,458 27,385
32 1,793,491 22,320
33 1,381,461 17,192
34 964,302 12,001
35 541,952 6,745
36 114,346 1,423
BLA DE AMORTIZACION
CAPITAL CUOTA SALDO FINAL
12,337,420
280,811.58 424,977.97 12,056,608.42
284,306.28 424,977.97 11,772,302.14
287,844.47 424,977.97 11,484,457.67
291,426.69 424,977.97 11,193,030.98
295,053.50 424,977.97 10,897,977.48
298,725.44 424,977.97 10,599,252.04
302,443.08 424,977.97 10,296,808.96
306,206.98 424,977.97 9,990,601.98
310,017.73 424,977.97 9,680,584.25
313,875.90 424,977.97 9,366,708.35
317,782.08 424,977.97 9,048,926.27
321,736.88 424,977.97 8,727,189.38
325,740.90 424,977.97 8,401,448.49
329,794.74 424,977.97 8,071,653.74
333,899.04 424,977.97 7,737,754.70
338,054.41 424,977.97 7,399,700.29
342,261.50 424,977.97 7,057,438.79
346,520.94 424,977.97 6,710,917.85
350,833.40 424,977.97 6,360,084.45
355,199.52 424,977.97 6,004,884.93
359,619.98 424,977.97 5,645,264.95
364,095.45 424,977.97 5,281,169.51
368,626.62 424,977.97 4,912,542.89
373,214.17 424,977.97 4,539,328.72
377,858.82 424,977.97 4,161,469.89
382,561.28 424,977.97 3,778,908.62
387,322.25 424,977.97 3,391,586.36
392,142.48 424,977.97 2,999,443.89
397,022.69 424,977.97 2,602,421.19
401,963.64 424,977.97 2,200,457.56
406,966.08 424,977.97 1,793,491.48
412,030.77 424,977.97 1,381,460.71
417,158.49 424,977.97 964,302.22
422,350.03 424,977.97 541,952.19
427,606.17 424,977.97 114,346.02
432,927.73 424,977.97 -318,581.72
Capital Periodo Tasa de interés Cuota
50,000,000 4 20.00% $ 19,314,456.04

Capital Periodo Tasa de interés Cuota AMORTIZACION CUOT

50,000,000 4 20.00% $ 12,500,000.00 Periodo Saldo inicial
0 50,000,000
1 50,000,000
2 40,685,544
3 29,508,197
4 16,095,380
RTA: No el costo de un credito lo define la tase de interes
mas no la forma en como se realice la amortización. En este
caso el comportamiento de los intereses y las cuotas es
diferente. Son equivalentes.
AMORTIZACION ABONO CONSTANTE
Periodo Saldo inicial Intereses
0 50,000,000
1 50,000,000 10,000,000
2 37,500,000 7,500,000
3 25,000,000 5,000,000
4 12,500,000 2,500,000
 AMORTIZACION CUOTAS IGUALES
Intereses Capital Cuota Saldo final
50,000,000
10,000,000 9,314,456.04 19,314,456.04 40,685,543.96
8,137,109 11,177,347.24 19,314,456.04 29,508,196.72
5,901,639 13,412,816.69 19,314,456.04 16,095,380.03
3,219,076 16,095,380.03 19,314,456.04 0.00

MORTIZACION ABONO CONSTANTE

Capital Cuota Saldo final
50,000,000
22,500,000.00 12,500,000.00 37,500,000.00 c
20,000,000.00 12,500,000.00 25,000,000.00
17,500,000.00 12,500,000.00 12,500,000.00
15,000,000.00 12,500,000.00 0.00
 AÑO FLUJO
0 -$ 5,000,000
1 $ 1,200,000
2 $ 985,000
3 $ 1,900,000
4 $ 2,500,000
5 $ 1,400,000
6 $ 1,000,000
VPN ###
TIR 19.13%
TIRM 18.59%
TASA OPOR 18%