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MATEM

PROY
EVALUACIN DE LA FINANCIAC

PRE

JUAN CAMILO TRUJILLO


JOSE EDUARDO SANC

JUAN CAMILO TRUJILLO


JOSE EDUARDO SANC

JUAN

INSTITUCION UNIVERSITAR
FACULTAD DE CIENCIAS ADMIN

BOGO

MATEMATICA FINANCIERA

PROYECTO DE AULA
LA FINANCIACIN PARA UN PROYECTO DE INVERSIN

PRESENTADO POR:

O TRUJILLO VALDERRAMA - CODIGO1221480062


ARDO SANCHEZ ACERO - CODIGO 1311640141

O DE INVERSIN

221480062
1640141

TABLA DE AMOR
VALOR DEL PRESTAMO
EFA
PLAZO
VALOR DE LA CUOTA
PERIODO DE GRACIA

TASA NOMINAL

240,000,000.00
9.0%
60
$ 4,941,195.89
0
8.649%

8.65%
TASA PERIODICA
0.72%
INTERES

0.72%

CUOTA N
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40

41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
TOTAL

BLA DE AMORTIZACION
VALOR CUOTA
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89

PAGO DE INTERES
$ 1,729,757.60
$ 1,706,611.72
$ 1,683,299.03
$ 1,659,818.31
$ 1,636,168.36
$ 1,612,347.96
$ 1,588,355.88
$ 1,564,190.88
$ 1,539,851.71
$ 1,515,337.12
$ 1,490,645.85
$ 1,465,776.62
$ 1,440,728.15
$ 1,415,499.15
$ 1,390,088.31
$ 1,364,494.33
$ 1,338,715.89
$ 1,312,751.65
$ 1,286,600.28
$ 1,260,260.42
$ 1,233,730.73
$ 1,207,009.83
$ 1,180,096.35
$ 1,152,988.89
$ 1,125,686.05
$ 1,098,186.44
$ 1,070,488.63
$ 1,042,591.19
$ 1,014,492.68
$ 986,191.66
$ 957,686.67
$ 928,976.23
$ 900,058.87
$ 870,933.09
$ 841,597.39
$ 812,050.25
$ 782,290.17
$ 752,315.59
$ 722,124.97
$ 691,716.77

AMORTIZACIN
$ 3,211,438.30
$ 3,234,584.17
$ 3,257,896.86
$ 3,281,377.58
$ 3,305,027.53
$ 3,328,847.93
$ 3,352,840.01
$ 3,377,005.02
$ 3,401,344.18
$ 3,425,858.77
$ 3,450,550.04
$ 3,475,419.27
$ 3,500,467.74
$ 3,525,696.75
$ 3,551,107.58
$ 3,576,701.56
$ 3,602,480.01
$ 3,628,444.24
$ 3,654,595.62
$ 3,680,935.47
$ 3,707,465.16
$ 3,734,186.06
$ 3,761,099.55
$ 3,788,207.01
$ 3,815,509.84
$ 3,843,009.45
$ 3,870,707.26
$ 3,898,604.70
$ 3,926,703.21
$ 3,955,004.23
$ 3,983,509.22
$ 4,012,219.66
$ 4,041,137.02
$ 4,070,262.81
$ 4,099,598.51
$ 4,129,145.64
$ 4,158,905.72
$ 4,188,880.30
$ 4,219,070.92
$ 4,249,479.13

$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 4,941,195.89
$ 296,471,753.51

$ 661,089.40
$ 630,241.28
$ 599,170.84
$ 567,876.46
$ 536,356.54
$ 504,609.43
$ 472,633.52
$ 440,427.15
$ 407,988.65
$ 375,316.36
$ 342,408.59
$ 309,263.64
$ 275,879.81
$ 242,255.37
$ 208,388.59
$ 174,277.71
$ 139,920.99
$ 105,316.65
$ 70,462.91
$ 35,357.96
$ 56,471,753.51

$ 4,280,106.50
$ 4,310,954.61
$ 4,342,025.05
$ 4,373,319.43
$ 4,404,839.36
$ 4,436,586.46
$ 4,468,562.37
$ 4,500,768.74
$ 4,533,207.24
$ 4,565,879.53
$ 4,598,787.30
$ 4,631,932.25
$ 4,665,316.08
$ 4,698,940.52
$ 4,732,807.31
$ 4,766,918.18
$ 4,801,274.90
$ 4,835,879.24
$ 4,870,732.98
$ 4,905,837.93
$ 240,000,000.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO
236,788,561.70
233,553,977.53
230,296,080.67
227,014,703.09
223,709,675.56
220,380,827.63
217,027,987.62
213,650,982.60
210,249,638.42
206,823,779.65
203,373,229.60
199,897,810.33
196,397,342.59
192,871,645.84
189,320,538.26
185,743,836.70
182,141,356.69
178,512,912.45
174,858,316.83
171,177,381.36
167,469,916.20
163,735,730.14
159,974,630.60
156,186,423.59
152,370,913.75
148,527,904.30
144,657,197.03
140,758,592.33
136,831,889.12
132,876,884.90
128,893,375.68
124,881,156.02
120,840,018.99
116,769,756.19
112,670,157.68
108,541,012.04
104,382,106.32
100,193,226.02
95,974,155.10
91,724,675.97

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

87,444,569.48
83,133,614.87
78,791,589.82
74,418,270.39
70,013,431.03
65,576,844.57
61,108,282.20
56,607,513.46
52,074,306.22
47,508,426.69
42,909,639.39
38,277,707.14
33,612,391.06
28,913,450.54
24,180,643.23
19,413,725.05
14,612,450.16
9,776,570.92
4,905,837.93
-

TABLA DE AMO
VALOR DEL PRESTAMO
EFA
PLAZO
VALOR DE LA CUOTA
PERIODO DE GRACIA

TASA NOMINAL

240,000,000.00
11.0%
60
$ 5,893,346.95
6
10.48%

10.48%
TASA PERIODICA
0.87%
INTERES

0.87%

TABLA DE AMORTIZACION
CUOTA N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42

VALOR CUOTA
$0
$0
$0
$0
$0
$0
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95

PAGO DE INTERES
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,096,303
2,114,613
2,133,083
2,151,715
2,170,509
2,189,468
2,208,592
2,176,407
2,143,941
2,111,191
2,078,156
2,044,832
2,011,216
1,977,308
1,943,103
1,908,599
1,873,794
1,838,685
1,803,269
1,767,544
1,731,506
1,695,154
1,658,485
1,621,495
1,584,182
1,546,543
1,508,576
1,470,277
1,431,643
1,392,672
1,353,360
1,313,705
1,273,704
1,233,353
1,192,650
1,151,591
1,110,174
1,068,395
1,026,251
983,739
940,855
897,597

AMORTIZACIN
($ 2,096,303)
($ 2,114,613)
($ 2,133,083)
($ 2,151,715)
($ 2,170,509)
($ 2,189,468)
$ 3,684,755
$ 3,716,940
$ 3,749,406
$ 3,782,156
$ 3,815,191
$ 3,848,515
$ 3,882,130
$ 3,916,039
$ 3,950,244
$ 3,984,748
$ 4,019,553
$ 4,054,662
$ 4,090,078
$ 4,125,803
$ 4,161,841
$ 4,198,193
$ 4,234,862
$ 4,271,852
$ 4,309,165
$ 4,346,804
$ 4,384,771
$ 4,423,070
$ 4,461,704
$ 4,500,675
$ 4,539,987
$ 4,579,642
$ 4,619,643
$ 4,659,994
$ 4,700,697
$ 4,741,756
$ 4,783,173
$ 4,824,952
$ 4,867,096
$ 4,909,608
$ 4,952,492
$ 4,995,750

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
Totales

$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95
$ 5,893,346.95

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

853,962
809,945
765,543
720,754
675,573
629,998
584,025
537,650
490,870
443,682
396,081
348,065
299,629
250,770
201,485
151,769
101,618
51,030

$ 5,039,385
$ 5,083,402
$ 5,127,804
$ 5,172,593
$ 5,217,774
$ 5,263,349
$ 5,309,322
$ 5,355,697
$ 5,402,477
$ 5,449,665
$ 5,497,266
$ 5,545,282
$ 5,593,718
$ 5,642,577
$ 5,691,862
$ 5,741,578
$ 5,791,729
$ 5,842,262

$ 318,240,735 $

78,240,680

$ 240,000,000

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO
240,000,000.00
242,096,302.52
244,210,915.39
246,343,998.54
248,495,713.31
250,666,222.43
252,855,690.07
249,170,934.87
245,453,994.83
241,704,588.82
237,922,433.28
234,107,242.15
230,258,726.87
226,376,596.37
222,460,557.04
218,510,312.70
214,525,564.58
210,506,011.30
206,451,348.86
202,361,270.58
198,235,467.14
194,073,626.47
189,875,433.82
185,640,571.66
181,368,719.70
177,059,554.85
172,712,751.20
168,327,979.98
163,904,909.56
159,443,205.42
154,942,530.11
150,402,543.23
145,822,901.40
141,203,258.27
136,543,264.42
131,842,567.43
127,100,811.75
122,317,638.77
117,492,686.71
112,625,590.66
107,715,982.49
102,763,490.90
97,767,741.30

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

92,728,355.86
87,644,953.44
82,517,149.55
77,344,556.39
72,126,782.72
66,863,433.93
61,554,111.91
56,198,415.13
50,795,938.51
45,346,273.45
39,849,007.78
34,303,725.73
28,710,007.89
23,067,431.19
17,375,568.89
11,633,990.47
5,842,261.70
(0.00)

TABLA DE AMORT
VALOR DEL PRESTAMO
EFA
PLAZO
VALOR DE LA CUOTA
PERIODO DE GRACIA

TASA NOMINAL

240,000,000.00
2.14%
60
$ 4,663,663.00
6
2.12%

2.12%
TASA PERIODICA
0.18%
INTERES

0.18%

CUOTA N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39

40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
Totales

LA DE AMORTIZACION
VALOR CUOTA
$0
$0
$0
$0
$0
$0
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00

PAGO DE INTERES
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

423,859
423,859
423,859
423,859
423,859
423,859
423,859
416,371
408,870
401,355
393,828
386,287
378,733
371,165
363,584
355,990
348,382
340,761
333,127
325,479
317,817
310,142
302,453
294,751
287,035
279,306
271,563
263,806
256,035
248,251
240,453
232,642
224,816
216,977
209,123
201,256
193,375
185,481
177,572

AMORTIZACIN
$0
$0
$0
$0
$0
$0
$ 4,239,804
$ 4,247,292
$ 4,254,793
$ 4,262,308
$ 4,269,835
$ 4,277,376
$ 4,284,930
$ 4,292,498
$ 4,300,079
$ 4,307,673
$ 4,315,281
$ 4,322,902
$ 4,330,536
$ 4,338,184
$ 4,345,846
$ 4,353,521
$ 4,361,210
$ 4,368,912
$ 4,376,628
$ 4,384,357
$ 4,392,100
$ 4,399,857
$ 4,407,628
$ 4,415,412
$ 4,423,210
$ 4,431,021
$ 4,438,847
$ 4,446,686
$ 4,454,540
$ 4,462,407
$ 4,470,288
$ 4,478,182
$ 4,486,091

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO
240,000,000.00
240,000,000.00
240,000,000.00
240,000,000.00
240,000,000.00
240,000,000.00
240,000,000.00
235,760,195.55
231,512,903.27
227,258,109.95
222,995,802.34
218,725,967.16
214,448,591.12
210,163,660.91
205,871,163.17
201,571,084.56
197,263,411.67
192,948,131.10
188,625,229.41
184,294,693.15
179,956,508.82
175,610,662.92
171,257,141.92
166,895,932.27
162,527,020.38
158,150,392.66
153,766,035.48
149,373,935.18
144,974,078.09
140,566,450.52
136,151,038.74
131,727,828.99
127,296,807.52
122,857,960.52
118,411,274.17
113,956,734.63
109,494,328.03
105,024,040.48
100,545,858.05
96,059,766.81

$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00
$ 4,663,663.00

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

169,649
161,712
153,761
145,797
137,818
129,825
121,818
113,796
105,761
97,711
89,647
81,569
73,477
65,370
57,250
49,114
40,965
32,801
24,622
16,429
8,222

$ 4,494,014
$ 4,501,951
$ 4,509,902
$ 4,517,866
$ 4,525,845
$ 4,533,838
$ 4,541,845
$ 4,549,867
$ 4,557,902
$ 4,565,952
$ 4,574,016
$ 4,582,094
$ 4,590,186
$ 4,598,293
$ 4,606,413
$ 4,614,549
$ 4,622,698
$ 4,630,862
$ 4,639,041
$ 4,647,234
$ 4,655,399

$ 251,837,802 $

14,380,911

$ 240,000,000

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

91,565,752.78
87,063,801.97
82,553,900.38
78,036,033.95
73,510,188.61
68,976,350.29
64,434,504.85
59,884,638.17
55,326,736.07
50,760,784.36
46,186,768.83
41,604,675.23
37,014,489.30
32,416,196.75
27,809,783.26
23,195,234.49
18,572,536.06
13,941,673.60
9,302,632.67
4,655,398.84
0.00

ENTIDAD
FINANCIERA

PLAZ
O

TASA
E.A.

BANCO CORPBANCA

60

9%

BANCO COLPATRIA

60

11%

BANCOLOMBIA

60

2.14%

PERIODOS DE
GRACIA

PERIODOS
MUERTOS

No

Si

Si

GARANTIAS
Por ser un prestamo de libre inversin las
garantias son: los activos de la empresa y
los bienes del Representante Legal
Por ser un prestamo de libre inversin las
garantias son: los activos de la empresa y
los bienes del Representante Legal

FNG 2.30% Por para una Pyme

COSTOS
ADICIONALES
$

318,179.84

283,000.00

295,000.00

TABLA DE COMPARACIN ENTRE L


CONCEPTO
Capital Prestado
Tasa efectiva anual
Plazo otorgado
Peridos de gracia
Tasa Nominal
Tasa Peridica
Valor de la cuota
Saldo total pagado
Total intereses pagados

Garantias exigidas

Sistema de Amortizacin

La opcion seleccionada es

PARACIN ENTRE LAS ENTIDADES FINANCIERA

$240,000,000
9.00%
60 meses
0
8.65%
0.72%
$ 4,941,195.89
$296,471,753.51
$56,471,753.51

$240,000,000
11.00%
60 meses
6 meses
10.48%
0.87%
$5,893,436.95
$318,240,735.30
$78,240,679.84

Por ser un prestamo de libre


inversin las garantias son:
Los activos de la empresa y
los bienes del representante
legal.

Por ser un prestamo de libre


inversin las garantias son:
Los activos de la empresa y
los bienes del representante
legal.

Cuota Fija pagando


mensualmente sin periodo
de gracia.

Cuota Fija con periodo de


gracia de seis meses
durante el cual no paga ni
los interese, estos se
capitalizan y empieza a
pagar posterior a este
periodo de gracia la cuota y
es la que queda fija.

opcion seleccionada es la de Bancolombia.

ES FINANCIERAS

$240,000,000
2.14%
60 meses
6 meses
2.12%
0.18%
$4,663,663.00
$251,837,802.00
$14,380,910.92
FNG 2,30% por para un
Pyme.

Cuota Fija con periodo de


gracia de seis meses
durante el cual solo paga
intereses y posterior a este
periodo cambia la cuota y
es la que queda fija.

mbia.