1 VALOR CREDITO 5,000,000

31% ANUAL mesual vencida

32% ANUAL semestre vencida

31% ANUAL mesual vencida

12 PERIODOS

32% ANUAL semestre vencida

2 PERIODOS

0.025833333 ANUAL mesual vencida

0.16 ANUAL semestre vencida

TOMO LA SEGUNDA POR QUE ES INFERIOR EL NUMERO

2 CDT
INTERES E.A.
10,000,000
6.5% MES 0.00542
RETE FUENTE 7%

V/RENDIMIENTO 1,950,000

RETE FUENTE 136,500

R-RETE 1,813,500

3 VALOR 75000000
BANCO 1,8 MES
PERIODO 2 AÑOS

INTERE 2 AÑOS 43.2

VALOR 52,374,302
AHORRO
4 4,125,000 periodos
0
VALOR CREDITO 25,000,000 1
PERIODO GRACIA 2 2
TRIMESTRAL 6% 3
PLAZO 3 años 4
cuta fija 3236111 5
6
7
8
9
10
11
12

5
prestamo 20,000,000
plazo 36 meses
DTF 4,53+15 PUNTOS 4.68
valor cuota 1,204,711

periodos DEUDA INICIAL TASA INTERES TASA INTERES AMORTIZACION

1 20,000,000 555,556
2 19,444,444 4.68% 25,278 555,556
3 18,888,889 4.68% 24,556 555,556
4 18,333,333 4.68% 23,833 555,556
5 17,777,778 4.68% 23,111 555,556
6 17,222,222 4.68% 22,389 555,556
7 16,666,667 4.68% 21,667 555,556
8 16,111,111 4.68% 20,944 555,556
9 15,555,556 4.68% 20,222 555,556
10 15,000,000 4.68% 19,500 555,556
11 14,444,444 4.68% 18,778 555,556
12 13,888,889 4.68% 18,056 555,556
13 13,333,333 4.68% 17,333 555,556
14 12,777,778 4.68% 16,611 555,556
15 12,222,222 4.68% 15,889 555,556
16 11,666,667 4.68% 15,167 555,556
17 11,111,111 4.68% 14,444 555,556
18 10,555,556 4.68% 13,722 555,556
19 10,000,000 4.68% 13,000 555,556
20 9,444,444 4.68% 12,278 555,556
21 8,888,889 4.68% 11,556 555,556
22 8,333,333 4.68% 10,833 555,556
23 7,777,778 4.68% 10,111 555,556
24 7,222,222 4.68% 9,389 555,556
25 6,666,667 4.68% 8,667 555,556
26 6,111,111 4.68% 7,944 555,556
27 5,555,556 4.68% 7,222 555,556
28 5,000,000 4.68% 6,500 555,556
29 4,444,444 4.68% 5,778 555,556
30 3,888,889 4.68% 5,056 555,556
31 3,333,333 4.68% 4,333 555,556
32 2,777,778 4.68% 3,611 555,556
33 2,222,222 4.68% 2,889 555,556
34 1,666,667 4.68% 2,167 555,556
35 1,111,111 4.68% 1,444 555,556
36 555,556 4.68% 722 555,556
22*40
5.5
cuta CAPITAL INTE AMORT SALDO,
25,000,000 25,000,000
1,375,000 25,000,000 1,375,000 25,000,000
1,375,000 25,000,000 1,375,000 25,000,000
3,876,924 25,000,000 1,375,000 2,501,924 22,498,076
3,236,111 22,498,076 1,237,394 1,998,717 20,499,359
3,236,111 20,499,359 1,127,465 2,108,646 18,390,712
3,236,111 18,390,712 1,011,489 2,224,622 16,166,091
3,236,111 16,166,091 889,135 2,346,976 13,819,115
3,236,111 13,819,115 760,051 2,476,060 11,343,055
3,236,111 11,343,055 623,868 2,612,243 8,730,812
3,236,111 8,730,812 480,195 2,755,916 5,974,896
3,236,111 5,974,896 328,619 2,907,492 3,067,404
3,236,111 3,067,404 168,707 3,067,404 0

PAGO DEUDA FINAL

555,556 19,444,444
580,833 18,888,889
580,111 18,333,333
579,389 17,777,778
578,667 17,222,222
577,944 16,666,667
577,222 16,111,111
576,500 15,555,556
575,778 15,000,000
575,056 14,444,444
574,333 13,888,889
573,611 13,333,333
572,889 12,777,778
572,167 12,222,222
571,444 11,666,667
570,722 11,111,111
570,000 10,555,556
569,278 10,000,000
568,556 9,444,444
567,833 8,888,889
567,111 8,333,333
566,389 7,777,778
565,667 7,222,222
564,944 6,666,667
564,222 6,111,111
563,500 5,555,556
562,778 5,000,000
562,056 4,444,444
561,333 3,888,889
560,611 3,333,333
559,889 2,777,778
559,167 2,222,222
558,444 1,666,667
557,722 1,111,111
557,000 555,556
556,278 - 0
6
VALOR OBLIGACION 5,500,000 9130000 415000 4150000
INTERES 3M 4980000
MESES 24 72 66 36

periodos DEUDA INICIAL TASA INTERES TASA INTERES AMORTIZACION

cuota 10 1 5,500,000 30% 1,650,000 2,291,667
cuota 22 2 3,208,333 42% 1,347,500 3,208,333

7 VALOR f 20,000,000
VALOR PRESENT INTERES
17,241,379 2,758,621
TIEMPO 8 MESES
PAGO PROPUES 17,500,000
TASA 2%
OPOTUNIDAD OFRECIDA 1.5

AL ANALIZAR LA SUMA DE 20,000,000 COM VALOR FUTURO, ESTE ESTA COMPUESTO POR 17,241,37
(16% - 2% POTR 8 PERIDOS) 2,758,621, PARA ASI TENER UN VALOR FUTURO DE 20,000,000

SI EL PAGO SE REALIZA HOY DE 17,500,000, SOLO SE TENDRIA UN RENDIMIENTO DE 258,621 CORRE

POR LO CUAL NO ES ACONSEJABLE YA QUE LA TASA DE OPORTINAD ES MAYOR A RENDOIMIENTO OF

8 VALOR BODEGA
AÑO 1 20%
70,000,000
84,000,000
AÑO2 18% 99,120,000
AÑO 3 22% 120,926,400

VALOR
FINAL 120,926,400
9 VALOR MAQUINA
USO
VALOR FUTRO
5 AÑOS
- 26,000,000
60 MESES
15,000,000
IN INICIAL
- 26,000,000
BENEFECIOS 1500000 7,500,000
COSTOS 500000 2,500,000 - 22,872,829
B-C 1000000 5,000,000

VALOR PRESENTE NETO MENOR QUE 0 ,, NO RECOMENDABLE

10 VALOR 14000000
PERIODOS 24 meses
A CDT 14.5 acv
B CDT 13.96 ata
C CDT 14.06 asv
 PAGO DEUDA FINAL
4,400,000 3,208,333
4,555,833 -

RENDIMIENTO VALOR PRESENTE- PROPUESTA DEL PAGO

258,621

MPUESTO POR 17,241,379 MAS EL INTERTS

O DE 20,000,000

ENTO DE 258,621 CORRESPONDIOENTE AL 1,5%

OR A RENDOIMIENTO OFRECIDO
AÑO 1 AÑO 2 AÑO 3 AÑO 4 AÑO 5
1,000,000 1,000,000 1,000,000 1,000,000 1,000,000
11
BODEGA 25,000,000
ARRIENDO 500,000 31000000
MESE ARRIEN 36
VALOR RECIBI 18,000,000
VALOR VENTA
OPORTUNIDA 2%
40000000
36105291.8
11,105,292 VP
0 -25000000 -$25,000,000
1 6,000,000 $5,882,353
2 6,000,000 $5,767,013
3 6,000,000 $5,653,934
VALOR PRESENTE NETO -$7,696,700
-$7,696,700

MAYOR QUE CERO $32,303,300

BUEN NEGOCIO

30 90 50

12 0 1 2 3

80 40

#NAME?

13
13 AÑO 0 1 2 3
PROYECTO A -500 130 280 350
PROYECTO B -450 100 70 580
TASA 10%

PROYECTO A $1,584.93
PROYECTO B $1,426.44

POR IMENOR IIN. A, Y MAYOR RENTABILIDAD

14
CUOTA INICIAL 5,000,000
VALOR 20,000,000
1644992

DEUDA INICIATASA INTERES TASA INTERES AMORTIZACION PAGO

1 15,000,000 4.49999% 674,999 969,994 1,644,992
2 14,030,007 4% 631,349 1,013,643 1,644,992
3 13,016,363 4% 585,735 1,059,257 1,644,992
4 11,957,106 4% 538,069 1,106,923 1,644,992
5 10,850,183 4% 488,257 1,156,735 1,644,992
6 9,693,448 4% 436,204 1,208,788 1,644,992
7 8,484,660 4% 381,809 1,263,183 1,644,992
8 7,221,477 4% 324,966 1,320,026 1,644,992
9 5,901,451 4% 265,565 1,379,427 1,644,992
10 4,522,024 4% 203,491 1,441,501 1,644,992
11 3,080,522 4% 138,623 1,506,369 1,644,992
12 1,574,154 4% 70,837 1,574,155 1,644,992
15,000,002 19,739,904

periodos tasa interes

0 15,000,000 4.49999%
1 -1644992
2 -1644992
3 -1644992
4 -1644992
5 -1644992
6 -1644992
7 -1644992
 8 -1644992
9 -1644992
10 -1644992
11 -1644992
12 -1644992

15
tir
inversion 4,000,000 - 4,000,000
2,500,000
1,500,000
sexto mes 2,500,000 0.000000%
12 1,500,000

tir = 0
recibe el mismo capital invertido, por lo cual es mal negocio
debido a que se esta perdinete la tasa de oportunidad y o la
rectioficacion monetarioa
4 AÑOS
DEUDA FINAL
14,030,007
13,016,363
11,957,106
10,850,183
9,693,448
8,484,660
7,221,477
5,901,451
4,522,024
3,080,522
1,574,154
- 2
 al es mal negocio
oportunidad y o la
16
inversion sesis mess
a 1000000 2000000
b 1000000 500000 1800000

REBTABILIDAD MENSUAL
a 17%
B 10.83%

la tasa de oportunidad mensula es mayor en la

opcion A

17
5,100,000 100%
VALOR INCIAL 1,150,000
3,000,000

IN. PERIODICA SEIS MESES

350,000 2,100,000 ANUAL
23%
INICIAL + PER 5,100,000 MES
1.9%
RENDIMIENTO 6,250,000
1,150,000
- 30,000,000

18
 SALDI INICLA 30,000,000
TASA 2.08%
PERIODOS 36
CUOTA $1,192,794.78 PERI S INI CUOTA INTERES
1 30,000,000 $1,192,794.78 625,000
2 29,432,205 $1,192,794.78 613,171
3 28,852,581 $1,192,794.78 601,095
4 28,260,882 $1,192,794.78 588,768
5 27,656,856 $1,192,794.78 576,184
6 27,040,245 $1,500,000.00 563,338
7 26,103,584 $1,192,794.78 543,825
8 25,454,614 $1,192,794.78 530,304
9 24,792,123 $1,192,794.78 516,503
10 24,115,831 $1,192,794.78 502,413
11 23,425,450 $1,192,794.78 488,030
12 22,720,685 $1,500,000.00 473,348
13 21,694,033 $1,192,794.78 451,959
14 20,953,197 $1,192,794.78 436,525
15 20,196,927 $1,192,794.78 420,769
16 19,424,901 $1,192,794.78 404,685
17 18,636,792 $1,192,794.78 388,267
18 17,832,264 $1,500,000.00 371,505
19 16,703,769 $1,192,794.78 347,995
20 15,858,970 $1,192,794.78 330,395
21 14,996,570 $1,192,794.78 312,429
22 14,116,204 $1,192,794.78 294,088
23 13,217,497 $1,192,794.78 275,365
24 12,300,067 $1,192,794.78 256,251
25 11,363,523 $1,192,794.78 236,740
26 10,407,468 $1,192,794.78 216,822
27 9,431,496 $1,192,794.78 196,489
28 8,435,191 $1,192,794.78 175,733
29 7,418,129 $1,192,794.78 154,544
30 6,379,879 $1,192,794.78 132,914
31 5,319,998 $1,192,794.78 110,833
32 4,238,036 $1,192,794.78 88,292
33 3,133,534 $1,192,794.78 65,282
34 2,006,021 $1,192,794.78 41,792
35 855,019 $1,192,794.78 17,813
36 - 319,963 $1,192,794.78 - 6,666

19
19
VALOR INICIAL 15,000,000
TASA 2% ANUAL
INCREMEWNTO ,
PERIODOS UNA AÑO

PERIODO CUOTA INTERES ABONO SALDO

0 15000000
1 374,755 312500 62255.26496 14937744.735
2 574,755 311203.015313 263552.2496 14674192.4854
3 774,755 305712.343446 469042.9215 14205149.5639
4 974,755 295940.615914 678814.649 13526334.9148
5 1,174,755 281798.644059 892956.6209 12633378.2939
6 1,374,755 263195.381123 1111559.884 11521818.4101
7 1,574,755 240037.883544 1334717.381 10187101.0287
8 1,774,755 212231.271431 1562523.994 8624577.03514
9 1,974,755 179678.688232 1795076.577 6829500.45841
10 2,174,755 142281.25955 2032474.005 4797026.453
11 2,374,755 99938.0511042 2274817.214 2522209.23915
12 2,574,755 52546.0258155 2522209.239 0

20
COMPRA 30,000,000
VALON MENS 8,000,000
VENTA 25000000
TASA 3%
PARIODOS 12

12

VPI 800,000 0.4257608868 9.954003994 17534497.0048

 0.0427728266

7963203.19485 25497700.2

VPI 25497700.1997

VPN - 4,502,300

SALDO NEGATIVO PARA AL ACPTAR EL NOPGICIO PERDERIA

- 4,502,300
AMORT SALDO
567,795 29,432,205
579,624 28,852,581
591,699 28,260,882
604,026 27,656,856
616,610 27,040,245
936,662 26,103,584
648,970 25,454,614
662,490 24,792,123
676,292 24,115,831
690,382 23,425,450
704,765 22,720,685
1,026,652 21,694,033
740,836 20,953,197
756,270 20,196,927
772,025 19,424,901
788,109 18,636,792
804,528 17,832,264
1,128,495 16,703,769
844,800 15,858,970
862,400 14,996,570
880,366 14,116,204
898,707 13,217,497
917,430 12,300,067
936,543 11,363,523
956,055 10,407,468
975,973 9,431,496
996,305 8,435,191
1,017,062 7,418,129
1,038,250 6,379,879
1,059,881 5,319,998
1,081,961 4,238,036
1,104,502 3,133,534
1,127,513 2,006,021
1,151,003 855,019
1,174,982 - 319,963
1,199,461 - 1,519,424