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P
TEA
FORMA DE PAGO
PERIODO DE GRACIA
PERIODO DE PAGO
10000
17%
TRIMESTRAL
1 AO =
4 TRIMESTRES
3 AOS
12 TRIMESTRES
R=10000*(J6*((1+J6)^8)/((1+J6)^8)-1))
13689
FORMA 1
PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12
SALDO
10000
10000
10000
10000
10000
8914.84
7786.25
6612.47
5391.71
4122.08
2801.62
1428.30
INTERES
400.31
400.31
400.31
400.31
400.31
356.87
311.69
264.71
215.84
165.01
112.15
57.18
3485.03
AMORTIZACION
CUOTA
1085.16
1128.60
1173.78
1220.76
1269.63
1320.46
1373.32
1428.29
400.31
400.31
400.31
400.31
1485.47
1485.47
1485.47
1485.47
1485.47
1485.47
1485.47
1485.47
9999.99
13485.02
TET = 5,372824303%
0.040031433
FORMA 2
4.0031%
P.
IA
AC
R
G
PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12
SALDO
INTERES
AMORTIZACION
10000
10000
10000
10000
11601.24
10342.32
9033.01
7671.29
6255.05
4782.12
3250.22
1657.00
400.31
400.31
400.31
400.31
464.41
414.02
361.60
307.09
250.40
191.44
130.11
66.33
1258.92
1309.31
1361.73
1416.24
1472.93
1531.89
1593.22
1657.00
3786.66
11601.23
CUOTA
1723.33
1723.33
1723.33
1723.33
1723.33
1723.33
1723.33
1723.33
13786.64
INVERSION TOTAL
65350
COFIDE (60%)
CONTINENTAL(10%)
FONDOS PROPIOS (30%)
39210
6535
19605
COFIDE
TEA
= 13.10%
F. PAGO = TRIMESTRA Cuota decreciente
P. GRACIA = 1 AO
P. pago
= 3 aos
P
= 39210
R
INTERES
PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12
0
SALDO
INTERES
AMORTIZACION
39210
39210
39210
39210
39210
34308.75
29407.50
24506.25
19605.00
14703.75
9802.50
4901.25
1225.47
1225.47
1225.47
1225.47
1225.47
1072.29
919.10
765.92
612.73
459.55
306.37
153.18
4901.25
4901.25
4901.25
4901.25
4901.25
4901.25
4901.25
4901.25
10416.49
39210.00
333285.00
PERIODO
0
1
49626.49
SALDO
INTERES
39210
1225.47
AMORTIZACION
2
3
4
5
6
7
8
9
10
11
12
39210
39210
39210
44111.88
39210.63
34309.38
29408.13
24506.88
19605.63
14704.38
9803.13
1225.47
1225.47
1225.47
1378.67
1225.49
1072.31
919.12
765.94
612.75
459.57
306.39
4901.25
4901.25
4901.25
4901.25
4901.25
4901.25
4901.25
4901.25
11642.12
39210.00
CUOTA DECRECIENTE
65350
BANCOS
TEA
= 16.17%
F. PAGO = TRIMESTRAL
P. GRACIA= NO HAY
P. pago
= 2 aos
P
= 6535
5869.25
0.031254012
CUOTA
1225.47
1225.47
1225.47
1225.47
6126.72
5973.54
5820.35
5667.17
5513.98
5360.80
5207.62
5054.43
CAMBIAR
PERIODO
0
1
2
3
4
5
6
7
8
INTERES
6535
5718.13
4901.25
4084.38
3267.50
2450.63
1633.75
816.88
249.52
218.33
187.14
155.95
124.76
93.57
62.38
31.19
29407.5
1122.84
49626.49
AMORTIZACION IGUAL
1225.47
INTERES
SALDO
49626.49
CUOTA
1225.47
1225.47
1225.47
6279.92
6126.74
5973.56
5820.37
5667.19
5514.00
5360.82
5207.64
50852.12
1065.14
0.038182006
CAMBIAR
AMORTIZACION
CUOTA
816.88
816.88
816.88
816.88
816.88
816.88
816.88
816.88
1066.39
1035.20
1004.01
972.82
941.63
910.44
879.25
848.06
6535.00
7657.83734
7657.84
P=
CAPITAL PROPIO
BANCO HORIZONTE
FINANZ. BUENA VENTURA
94000
18800
42300
32900
20%
45%
35%
TEA
45%
BANCO HORIZONTE
TASA TEA
F.PAGO
P. GRACIA
P. PAGO
CUOTA
P
PERIODO
0
1
2
3
4
5
6
7
8
9
10
11
12
45%
BIMESTRAL
6 MESES
2 AOS
C0NSTANTE
42300
0.063884954
12 BIMESTRES
SALDO
INTERES
AMORTIZACION
42300
42300
42300
50406.99
46090.48
41498.21
36612.56
31414.79
25884.96
20001.86
13742.92
7084.12
2702.33
2702.33
2702.33
3220.25
2944.49
2651.11
2338.99
2006.93
1653.66
1277.82
877.97
452.57
4316.51
4592.27
4885.65
5197.77
5529.83
5883.10
6258.94
6658.79
7084.19
25530.78
50407.06
CUOTA
7536.76
7536.76
7536.76
7536.76
7536.76
7536.76
7536.76
7536.76
7536.76
67830.84
75937.84
PERIODO
0
1
2
3
4
5
6
7
0.058300524
12%
SEMESTRAL
6 MESES
3.5 AOS 7 SEMESTRES
DECRECIENTE
32900
SALDO
INTERES
AMORTIZACION
32900
39210
33726.67
28243.33
22760.00
17276.67
11793.33
1918.09
2285.96
1966.28
1646.60
1326.92
1007.24
687.56
5483.33
5483.33
5483.33
5483.33
5483.33
5483.33
10838.65
32900
CUOTA
1918.09
7769.30
7449.62
7129.93
6810.25
6490.57
6170.89
43738.65