MODALIDADES DE AMORTIZACION DE CREDITOS

caso 2 24% SV 25,44% EFECTIVA

23,32% TV
ip%= 5,83% Trimestral

CREDITO $1,000,000,000
PLAZO 5 AÑOS CUOTAS TRIMESTRALES TASA DE INTERÉS 20.00% TV
ABONO A CAPITAL E INTERESES TRIMESTRAL INTERES PERIODICO 5.00% TRIMESTRAL

PMT = (VP x ip) / (1 - (1+ip)^ -N)

MODALIDAD INTERESES SOBRE SALDOS MODALIDAD CUOTAS IGUALES

CUOTA ABONO CAPITAL INTERÉS TOTAL CUOTA SALDO CAPITAL CUOTA VALOR CUOTA ABONO CAPITAL INTERES SALDO CAPITAL

-$ 1,000,000,000 $1,000,000,000 -$ 1,000,000,000 -1000000000 $1,000,000,000

1 $50,000,000 $50,000,000 $100,000,000 $950,000,000 -$80,242,587.22 1 $80,242,587 $30,242,587 $50,000,000 $969,757,413
2 $50,000,000 $47,500,000 $97,500,000 $900,000,000 -$ 80,242,587.19 2 $80,242,587 $31,754,717 $48,487,871 $938,002,696
3 $50,000,000 $45,000,000 $95,000,000 $850,000,000 3 $80,242,587 $33,342,452 $46,900,135 $904,660,244
4 $50,000,000 $42,500,000 $92,500,000 $800,000,000 TIR 5% 4 $80,242,587 $35,009,575 $45,233,012 $869,650,669 TIR 5%
5 $50,000,000 $40,000,000 $90,000,000 $750,000,000 5 $80,242,587 $36,760,054 $43,482,533 $832,890,615
6 $50,000,000 $37,500,000 $87,500,000 $700,000,000 6 $80,242,587 $38,598,056 $41,644,531 $794,292,559
7 $50,000,000 $35,000,000 $85,000,000 $650,000,000 7 $80,242,587 $40,527,959 $39,714,628 $753,764,599
8 $50,000,000 $32,500,000 $82,500,000 $600,000,000 $1,000,000,000.00 8 $80,242,587 $42,554,357 $37,688,230 $711,210,242 $1,000,000,000.00
9 $50,000,000 $30,000,000 $80,000,000 $550,000,000 $0 9 $80,242,587 $44,682,075 $35,560,512 $666,528,167 $0
10 $50,000,000 $27,500,000 $77,500,000 $500,000,000 VA INTERESES $376,889,482.87 10 $80,242,587 $46,916,179 $33,326,408 $619,611,988 VA INTERESES $423,950,720.18
11 $50,000,000 $25,000,000 $75,000,000 $450,000,000 VA CAPITAL $623,110,517.13 11 $80,242,587 $49,261,988 $30,980,599 $570,350,001 VA CAPITAL $576,049,279.82
12 $50,000,000 $22,500,000 $72,500,000 $400,000,000 12 $80,242,587 $51,725,087 $28,517,500 $518,624,913
13 $50,000,000 $20,000,000 $70,000,000 $350,000,000 $ 376,889,482.87 13 $80,242,587 $54,311,342 $25,931,246 $464,313,572
14 $50,000,000 $17,500,000 $67,500,000 $300,000,000 $ 623,110,517.13 14 $80,242,587 $57,026,909 $23,215,679 $407,286,663
15 $50,000,000 $15,000,000 $65,000,000 $250,000,000 15 $80,242,587 $59,878,254 $20,364,333 $347,408,409
16 $50,000,000 $12,500,000 $62,500,000 $200,000,000 16 $80,242,587 $62,872,167 $17,370,420 $284,536,243
17 $50,000,000 $10,000,000 $60,000,000 $150,000,000 17 $80,242,587 $66,015,775 $14,226,812 $218,520,467
18 $50,000,000 $7,500,000 $57,500,000 $100,000,000 18 $80,242,587 $69,316,564 $10,926,023 $149,203,904
19 $50,000,000 $5,000,000 $55,000,000 $50,000,000 19 $80,242,587 $72,782,392 $7,460,195 $76,421,512
20 $50,000,000 $2,500,000 $52,500,000 $0 20 $80,242,587 $76,421,512 $3,821,076 $0
1.22% 0.15
22,000,000.00

611,111.11

cuota
mas seguros
cuota total mes
ea
credito 3,220,800.00 interes

cuota auto 89,466.67 cuota mensual interes

700,577.78
150,000.00
850,577.78