ACTIVOS

Valor ploter de corte $ 3,400,000

Iva $ 646,000
Total $ 4,046,000

Computador Lenovo de escritorio Core I5 $ 1,000,000

Iva $ 190,000
Total $ 1,190,000
n

Dos vitrinas en metal y vidrio templado $ 720,000 1

Iva $ 136,800 2
Total $ 856,800 3
4
Secador calcomanias $ 455,000 5
Iva $ 86,450 6
Total $ 541,450 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
 Identificacion del activo
Costo de adquisicion
Valor Residual
Importe Depreciable
Vida Util
Depreciacion mensual
PLOTER DE CORTE
$ 4,046,000
$ 1,618,400
$ 2,427,600
48
$ 50,575

Valor Inicial Depreciacion Mensual Depreciacion Acumulada Valor Anual

$ 2,427,600 $ 50,575 $ 50,575 $ 2,377,025
$ 2,377,025 $ 50,575 $ 101,150 $ 2,275,875
$ 2,275,875 $ 50,575 $ 151,725 $ 2,124,150
$ 2,124,150 $ 50,575 $ 202,300 $ 1,921,850
$ 1,921,850 $ 50,575 $ 252,875 $ 1,668,975
$ 1,668,975 $ 50,575 $ 303,450 $ 1,365,525
$ 1,365,525 $ 50,575 $ 354,025 $ 1,011,500
$ 1,011,500 $ 50,575 $ 404,600 $ 606,900
$ 606,900 $ 50,575 $ 455,175 $ 151,725
$ 151,725 $ 50,575 $ 505,750 -$ 354,025
-$ 354,025 $ 50,575 $ 556,325 -$ 910,350
-$ 910,350 $ 50,575 $ 606,900 -$ 1,517,250
-$ 1,517,250 $ 50,575 $ 657,475 -$ 2,174,725
-$ 2,174,725 $ 50,575 $ 708,050 -$ 2,882,775
-$ 2,882,775 $ 50,575 $ 758,625 -$ 3,641,400
-$ 3,641,400 $ 50,575 $ 809,200 -$ 4,450,600
-$ 4,450,600 $ 50,575 $ 859,775 -$ 5,310,375
-$ 5,310,375 $ 50,575 $ 910,350 -$ 6,220,725
-$ 6,220,725 $ 50,575 $ 960,925 -$ 7,181,650
-$ 7,181,650 $ 50,575 $ 1,011,500 -$ 8,193,150
-$ 8,193,150 $ 50,575 $ 1,062,075 -$ 9,255,225
-$ 9,255,225 $ 50,575 $ 1,112,650 -$ 10,367,875
-$ 10,367,875 $ 50,575 $ 1,163,225 -$ 11,531,100
-$ 11,531,100 $ 50,575 $ 1,213,800 -$ 12,744,900
-$ 12,744,900 $ 50,575 $ 1,264,375 -$ 14,009,275
-$ 14,009,275 $ 50,575 $ 1,314,950 -$ 15,324,225
-$ 15,324,225 $ 50,575 $ 1,365,525 -$ 16,689,750
-$ 16,689,750 $ 50,575 $ 1,416,100 -$ 18,105,850
-$ 18,105,850 $ 50,575 $ 1,466,675 -$ 19,572,525
-$ 19,572,525 $ 50,575 $ 1,517,250 -$ 21,089,775
-$ 21,089,775 $ 50,575 $ 1,567,825 -$ 22,657,600
-$ 22,657,600 $ 50,575 $ 1,618,400 -$ 24,276,000
-$ 24,276,000 $ 50,575 $ 1,668,975 -$ 25,944,975
-$ 25,944,975 $ 50,575 $ 1,719,550 -$ 27,664,525
-$ 27,664,525 $ 50,575 $ 1,770,125 -$ 29,434,650
-$ 29,434,650 $ 50,575 $ 1,820,700 -$ 31,255,350
-$ 31,255,350 $ 50,575 $ 1,871,275 -$ 33,126,625
-$ 33,126,625 $ 50,575 $ 1,921,850 -$ 35,048,475
-$ 35,048,475 $ 50,575 $ 1,972,425 -$ 37,020,900
-$ 37,020,900 $ 50,575 $ 2,023,000 -$ 39,043,900
-$ 39,043,900 $ 50,575 $ 2,073,575 -$ 41,117,475
-$ 41,117,475 $ 50,575 $ 2,124,150 -$ 43,241,625
-$ 43,241,625 $ 50,575 $ 2,174,725 -$ 45,416,350
-$ 45,416,350 $ 50,575 $ 2,225,300 -$ 47,641,650
-$ 47,641,650 $ 50,575 $ 2,275,875 -$ 49,917,525
-$ 49,917,525 $ 50,575 $ 2,326,450 -$ 52,243,975
-$ 52,243,975 $ 50,575 $ 2,377,025 -$ 54,621,000
-$ 54,621,000 $ 50,575 $ 2,427,600 -$ 57,048,600
 SISTEMA FRANCES

Formula
i(1+i)^n
K
(1+i)^(n)-1

K $ 5,000,000
i 1.8%
n 24

Cuota fija $ 258,404.175

n K0 i Cuota Fija Interes

1 $ 5,000,000 1.8% $ 258,404.175 $ 90,000.0
2 $ 4,831,595.825 1.8% $ 258,404.175 $ 86,968.7
3 $ 4,660,160.375 1.8% $ 258,404.175 $ 83,882.9
4 $ 4,485,639.086 1.8% $ 258,404.175 $ 80,741.5
5 $ 4,307,976.415 1.8% $ 258,404.175 $ 77,543.6
6 $ 4,127,115.815 1.8% $ 258,404.175 $ 74,288.1
7 $ 3,942,999.725 1.8% $ 258,404.175 $ 70,974.0
8 $ 3,755,569.545 1.8% $ 258,404.175 $ 67,600.3
9 $ 3,564,765.622 1.8% $ 258,404.175 $ 64,165.8
10 $ 3,370,527.228 1.8% $ 258,404.175 $ 60,669.5
11 $ 3,172,792.543 1.8% $ 258,404.175 $ 57,110.3
12 $ 2,971,498.633 1.8% $ 258,404.175 $ 53,487.0
13 $ 2,766,581.434 1.8% $ 258,404.175 $ 49,798.5
14 $ 2,557,975.724 1.8% $ 258,404.175 $ 46,043.6
15 $ 2,345,615.112 1.8% $ 258,404.175 $ 42,221.1
16 $ 2,129,432.009 1.8% $ 258,404.175 $ 38,329.8
17 $ 1,909,357.610 1.8% $ 258,404.175 $ 34,368.4
18 $ 1,685,321.872 1.8% $ 258,404.175 $ 30,335.8
19 $ 1,457,253.491 1.8% $ 258,404.175 $ 26,230.6
20 $ 1,225,079.879 1.8% $ 258,404.175 $ 22,051.4
21 $ 988,727.141 1.8% $ 258,404.175 $ 17,797.1
22 $ 748,120.055 1.8% $ 258,404.175 $ 13,466.2
23 $ 503,182.041 1.8% $ 258,404.175 $ 9,057.3
24 $ 253,835.143 1.8% $ 258,404.175 $ 4,569.0
FRANCES

Abono a K Abono extra a K Kf

$ 168,404.175 0 $ 4,831,595.825
$ 171,435.450 0 $ 4,660,160.375
$ 174,521.288 0 $ 4,485,639.086
$ 177,662.672 0 $ 4,307,976.415
$ 180,860.600 0 $ 4,127,115.815
$ 184,116.090 0 $ 3,942,999.725
$ 187,430.180 0 $ 3,755,569.545
$ 190,803.923 0 $ 3,564,765.622
$ 194,238.394 0 $ 3,370,527.228
$ 197,734.685 0 $ 3,172,792.543
$ 201,293.909 0 $ 2,971,498.633
$ 204,917.200 0 $ 2,766,581.434
$ 208,605.709 0 $ 2,557,975.724
$ 212,360.612 0 $ 2,345,615.112
$ 216,183.103 0 $ 2,129,432.009
$ 220,074.399 0 $ 1,909,357.610
$ 224,035.738 0 $ 1,685,321.872
$ 228,068.381 0 $ 1,457,253.491
$ 232,173.612 0 $ 1,225,079.879
$ 236,352.737 0 $ 988,727.141
$ 240,607.087 0 $ 748,120.055
$ 244,938.014 0 $ 503,182.041
$ 249,346.898 0 $ 253,835.143
$ 253,835.143 0 $ 0.000
 SISTEMA ITALIANO

Formula Abono a Capital

K/n

K $ 5,000,000
i 1.8%
n 24

Cuota $ 208,333.333

n K0 i Cuota Interes Abono a K

1 $ 5,000,000 1.8% $ 298,333.333 $ 90,000.0 $ 208,333.333
2 $ 4,791,666.667 1.8% $ 208,333.333 $ 86,250.0 $ 208,333.333
3 $ 4,583,333.333 1.8% $ 208,333.333 $ 82,500.0 $ 208,333.333
4 $ 4,375,000.000 1.8% $ 208,333.333 $ 78,750.0 $ 208,333.333
5 $ 4,166,666.667 1.8% $ 208,333.333 $ 75,000.0 $ 208,333.333
6 $ 3,958,333.333 1.8% $ 208,333.333 $ 71,250.0 $ 208,333.333
7 $ 3,750,000.000 1.8% $ 208,333.333 $ 67,500.0 $ 208,333.333
8 $ 3,541,666.667 1.8% $ 208,333.333 $ 63,750.0 $ 208,333.333
9 $ 3,333,333.333 1.8% $ 208,333.333 $ 60,000.0 $ 208,333.333
10 $ 3,125,000.000 1.8% $ 208,333.333 $ 56,250.0 $ 208,333.333
11 $ 2,916,666.667 1.8% $ 208,333.333 $ 52,500.0 $ 208,333.333
12 $ 2,708,333.333 1.8% $ 208,333.333 $ 48,750.0 $ 208,333.333
13 $ 2,500,000.000 1.8% $ 208,333.333 $ 45,000.0 $ 208,333.333
14 $ 2,291,666.667 1.8% $ 208,333.333 $ 41,250.0 $ 208,333.333
15 $ 2,083,333.333 1.8% $ 208,333.333 $ 37,500.0 $ 208,333.333
16 $ 1,875,000.000 1.8% $ 208,333.333 $ 33,750.0 $ 208,333.333
17 $ 1,666,666.667 1.8% $ 208,333.333 $ 30,000.0 $ 208,333.333
18 $ 1,458,333.333 1.8% $ 208,333.333 $ 26,250.0 $ 208,333.333
19 $ 1,250,000.000 1.8% $ 208,333.333 $ 22,500.0 $ 208,333.333
20 $ 1,041,666.667 1.8% $ 208,333.333 $ 18,750.0 $ 208,333.333
21 $ 833,333.333 1.8% $ 208,333.333 $ 15,000.0 $ 208,333.333
22 $ 625,000.000 1.8% $ 208,333.333 $ 11,250.0 $ 208,333.333
23 $ 416,666.667 1.8% $ 208,333.333 $ 7,500.0 $ 208,333.333
24 $ 208,333.333 1.8% $ 208,333.333 $ 3,750.0 $ 208,333.333
Abono extra a K Kf
0 $ 4,791,666.667
0 $ 4,583,333.333
0 $ 4,375,000.000
0 $ 4,166,666.667
0 $ 3,958,333.333
0 $ 3,750,000.000
0 $ 3,541,666.667
0 $ 3,333,333.333
0 $ 3,125,000.000
0 $ 2,916,666.667
0 $ 2,708,333.333
0 $ 2,500,000.000
0 $ 2,291,666.667
0 $ 2,083,333.333
0 $ 1,875,000.000
0 $ 1,666,666.667
0 $ 1,458,333.333
0 $ 1,250,000.000
0 $ 1,041,666.667
0 $ 833,333.333
0 $ 625,000.000
0 $ 416,666.667
0 $ 208,333.333
0 $ -
 Comparacion entre Sistemas
Total Interes Total Pagado
Sistema Frances $ 94,569.03 $ 6,201,700.20
Sistema Italiano $ 1,125,000.00 $ 6,125,000.00