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´PI

AV VILLAS BANCOOMEVA

TASA DE INTERES TASA DE INTERES

1.93% EA 1.92% EA
1.9% Nominal mensual 1.9% Nominal mensual
0.16% Mensual 0.16% Mensual

1.93% Mensual 1.92% Mensual


23.16% Nominal mensual 23.04% Nominal mensual
25.78% E.A 25.64% E.A

1.93% Trimestral 1.92% Trimestral


7.7% Nominal trimestral 7.7% Nominal trimestral
7.9% E.A 7.9% E.A

1.93% E.A 1.92% E.A


1.9% Nominal trimestral 1.9% Nominal trimestral
0.48% Tasa trimestral 0.48% Tasa trimestral

BANCO AGRARIO BBVA

TASA DE INTERES TASA DE INTERES

0.94% EA 0.84% EA
0.9% Nominal mensual 0.8% Nominal mensual
0.08% Mensual 0.07% Mensual

0.94% Mensual 0.84% Mensual


11.28% Nominal mensual 10.08% Nominal mensual
11.88% E.A 10.56% E.A

0.94% Trimestral 0.84% Trimestral


3.8% Nominal trimestral 3.4% Nominal trimestral
3.8% E.A 3.4% E.A

0.94% E.A 0.84% E.A


0.9% Nominal trimestral 0.8% Nominal trimestral
0.23% Tasa trimestral 0.21% Tasa trimestral

OBSERVACION

El Banco Colpatria es el que tiene la tasa de interés más baja en Colombia, con
el 0.73% ,Mientras que las entidades bancarias con la tasa de interés más alta
la tienen: el Banco AV Villas con el 1,93%, el Bancoomeva con 1,92%, y el
Banco Caja Social con 1,9%
BANCOOMEVA BANCO CAJA SOCIAL

TASA DE INTERES TASA DE INTERES

1.9% EA
ominal mensual 1.9% Nominal mensual
0.16% Mensual

1.9% Mensual
ominal mensual 22.80% Nominal mensual
25.34% E.A

1.9% Trimestral
ominal trimestral 7.7% Nominal trimestral
7.9% E.A

1.9% E.A
ominal trimestral 1.9% Nominal trimestral
asa trimestral 0.47% Tasa trimestral

BBVA BANCO COLPATRIA

TASA DE INTERES TASA DE INTERES

0.73% EA
ominal mensual 0.7% Nominal mensual
0.06% Mensual

0.73% Mensual
ominal mensual 8.76% Nominal mensual
9.12% E.A

0.73% Trimestral
ominal trimestral 2.9% Nominal trimestral
3.0% E.A

0.73% E.A
ominal trimestral 0.7% Nominal trimestral
asa trimestral 0.18% Tasa trimestral
Credito Libranza

BANCO TASA EA Nominal NM Mensual Nominal Trimestral Trimestral

Caja Social 23% 21% 0.01916667 0.212464647953151 0.05311616

Banco Bogota 2% 1.88% 0.00158333 0.018866106082344 0.00471653

BBVA 21.80% 19.9% 0.01816667 0.202152539650529 0.05053813

Av villas 20.05% 18.4% 0.01670833 0.186976587419418 0.04674415


dito Libranza

Nomial Cuatrimestral Cuatrimestral Nominal Semestral Semestral

0.214323809072319 0.07666666666667 0.218107301281883 0.115

0.01888092098375 0.00633333333333 0.018910597327182 0.0095

0.203836544285089 0.07266666666667 0.207260745811423 0.109

0.188418420469446 0.06683333333333 0.191346617949794 0.10025


Credito Libranza Banco AV VILLAS
Valor de deuda $ 9,000,000
Tasa anual 20.05% 18% 1.53%
Plazo 4
Tasa Efectiva Mensual 1.53%
Cuota Fija
Amortizacion Mensual

Periodo Saldo Intereses Capital Cuota Saldo


$ - $ 9,000,000 $ - $ - $ - $ 9,000,000
$ 1 $ 9,000,000 $ 138,102 $ 128,222 $ 266,324 $ 8,871,778
$ 2 $ 8,871,778 $ 136,135 $ 130,189 $ 266,324 $ 8,741,589
$ 3 $ 8,741,589 $ 134,137 $ 132,187 $ 266,324 $ 8,609,401
$ 4 $ 8,609,401 $ 132,109 $ 134,216 $ 266,324 $ 8,475,186
$ 5 $ 8,475,186 $ 130,049 $ 136,275 $ 266,324 $ 8,338,911
$ 6 $ 8,338,911 $ 127,958 $ 138,366 $ 266,324 $ 8,200,545
$ 7 $ 8,200,545 $ 125,835 $ 140,489 $ 266,324 $ 8,060,055
$ 8 $ 8,060,055 $ 123,679 $ 142,645 $ 266,324 $ 7,917,410
$ 9 $ 7,917,410 $ 121,490 $ 144,834 $ 266,324 $ 7,772,576
$ 10 $ 7,772,576 $ 119,268 $ 147,056 $ 266,324 $ 7,625,520
$ 11 $ 7,625,520 $ 117,011 $ 149,313 $ 266,324 $ 7,476,207
$ 12 $ 7,476,207 $ 114,720 $ 151,604 $ 266,324 $ 7,324,603
$ 13 $ 7,324,603 $ 112,394 $ 153,930 $ 266,324 $ 7,170,673
$ 14 $ 7,170,673 $ 110,032 $ 156,292 $ 266,324 $ 7,014,380
$ 15 $ 7,014,380 $ 107,634 $ 158,691 $ 266,324 $ 6,855,689
$ 16 $ 6,855,689 $ 105,199 $ 161,126 $ 266,324 $ 6,694,564
$ 17 $ 6,694,564 $ 102,726 $ 163,598 $ 266,324 $ 6,530,966
$ 18 $ 6,530,966 $ 100,216 $ 166,109 $ 266,324 $ 6,364,857
$ 19 $ 6,364,857 $ 97,667 $ 168,657 $ 266,324 $ 6,196,200
$ 20 $ 6,196,200 $ 95,079 $ 171,245 $ 266,324 $ 6,024,954
$ 21 $ 6,024,954 $ 92,451 $ 173,873 $ 266,324 $ 5,851,081
$ 22 $ 5,851,081 $ 89,783 $ 176,541 $ 266,324 $ 5,674,540
$ 23 $ 5,674,540 $ 87,074 $ 179,250 $ 266,324 $ 5,495,290
$ 24 $ 5,495,290 $ 84,324 $ 182,001 $ 266,324 $ 5,313,289
$ 25 $ 5,313,289 $ 81,531 $ 184,793 $ 266,324 $ 5,128,495
$ 26 $ 5,128,495 $ 78,695 $ 187,629 $ 266,324 $ 4,940,866
$ 27 $ 4,940,866 $ 75,816 $ 190,508 $ 266,324 $ 4,750,358
$ 28 $ 4,750,358 $ 72,893 $ 193,431 $ 266,324 $ 4,556,927
$ 29 $ 4,556,927 $ 69,925 $ 196,400 $ 266,324 $ 4,360,527
$ 30 $ 4,360,527 $ 66,911 $ 199,413 $ 266,324 $ 4,161,114
$ 31 $ 4,161,114 $ 63,851 $ 202,473 $ 266,324 $ 3,958,641
$ 32 $ 3,958,641 $ 60,744 $ 205,580 $ 266,324 $ 3,753,060
$ 33 $ 3,753,060 $ 57,590 $ 208,735 $ 266,324 $ 3,544,326
$ 34 $ 3,544,326 $ 54,387 $ 211,938 $ 266,324 $ 3,332,388
$ 35 $ 3,332,388 $ 51,135 $ 215,190 $ 266,324 $ 3,117,198
$ 36 $ 3,117,198 $ 47,833 $ 218,492 $ 266,324 $ 2,898,706
$ 37 $ 2,898,706 $ 44,480 $ 221,845 $ 266,324 $ 2,676,862
$ 38 $ 2,676,862 $ 41,076 $ 225,249 $ 266,324 $ 2,451,613
$ 39 $ 2,451,613 $ 37,619 $ 228,705 $ 266,324 $ 2,222,908
$ 40 $ 2,222,908 $ 34,110 $ 232,214 $ 266,324 $ 1,990,694
$ 41 $ 1,990,694 $ 30,547 $ 235,778 $ 266,324 $ 1,754,916
$ 42 $ 1,754,916 $ 26,929 $ 239,396 $ 266,324 $ 1,515,520
$ 43 $ 1,515,520 $ 23,255 $ 243,069 $ 266,324 $ 1,272,451
$ 44 $ 1,272,451 $ 19,525 $ 246,799 $ 266,324 $ 1,025,652
$ 45 $ 1,025,652 $ 15,738 $ 250,586 $ 266,324 $ 775,066
$ 46 $ 775,066 $ 11,893 $ 254,431 $ 266,324 $ 520,635
$ 47 $ 520,635 $ 7,989 $ 258,335 $ 266,324 $ 262,299
$ 48 $ 262,299 $ 4,025 $ 262,299 $ 266,324 -$ 0
CREDITO DE LIBRE INVERSION BANCO DE BOGOTA
Valor deuda $ 11,000,000
Tasa anual 24.62%
Plazo 3 AÑOS
Tasa efectiva Mensual 1.85%
Cuota VARIABLE
Amortizacion

PERIODO SALDO INTERESES ABONO A CAP.


0 $ 11,000,000.00 0 0
1 $ 11,000,000.00 $ 203,619 $ 305,556
2 $ 10,694,444.44 $ 197,963 $ 305,556
3 $ 10,388,888.89 $ 192,307 $ 305,556
4 $ 10,083,333.33 $ 186,651 $ 305,556
5 $ 9,777,777.78 $ 180,995 $ 305,556
6 $ 9,472,222.22 $ 175,339 $ 305,556
7 $ 9,166,666.67 $ 169,682 $ 305,556
8 $ 8,861,111.11 $ 164,026 $ 305,556
9 $ 8,555,555.56 $ 158,370 $ 305,556
10 $ 8,250,000.00 $ 152,714 $ 305,556
11 $ 7,944,444.44 $ 147,058 $ 305,556
12 $ 7,638,888.89 $ 141,402 $ 305,556
13 $ 7,333,333.33 $ 135,746 $ 305,556
14 $ 7,027,777.78 $ 130,090 $ 305,556
15 $ 6,722,222.22 $ 124,434 $ 305,556
16 $ 6,416,666.67 $ 118,778 $ 305,556
17 $ 6,111,111.11 $ 113,122 $ 305,556
18 $ 5,805,555.56 $ 107,466 $ 305,556
19 $ 5,500,000.00 $ 101,809 $ 305,556
20 $ 5,194,444.44 $ 96,153 $ 305,556
21 $ 4,888,888.89 $ 90,497 $ 305,556
22 $ 4,583,333.33 $ 84,841 $ 305,556
23 $ 4,277,777.78 $ 79,185 $ 305,556
24 $ 3,972,222.22 $ 73,529 $ 305,556
25 $ 3,666,666.67 $ 67,873 $ 305,556
26 $ 3,361,111.11 $ 62,217 $ 305,556
27 $ 3,055,555.56 $ 56,561 $ 305,556
28 $ 2,750,000.00 $ 50,905 $ 305,556
29 $ 2,444,444.44 $ 45,249 $ 305,556
30 $ 2,138,888.89 $ 39,593 $ 305,556
31 $ 1,833,333.33 $ 33,936 $ 305,556
32 $ 1,527,777.78 $ 28,280 $ 305,556
33 $ 1,222,222.22 $ 22,624 $ 305,556
34 $ 916,666.67 $ 16,968 $ 305,556
35 $ 611,111.11 $ 11,312 $ 305,556
36 $ 305,555.56 $ 5,656 $ 305,556
DE BOGOTA
11,000,000 NM MENSUAL
24.62% 22% 1.85%
3 AÑOS
1.85% 36
ARIABLE Meses

CUOTA SALDO FINAL


0 $ 11,000,000.00
$ 509,175 $ 10,694,444
$ 503,518 $ 10,388,889
$ 497,862 $ 10,083,333
$ 492,206 $ 9,777,778
$ 486,550 $ 9,472,222
$ 480,894 $ 9,166,667
$ 475,238 $ 8,861,111
$ 469,582 $ 8,555,556
$ 463,926 $ 8,250,000
$ 458,270 $ 7,944,444
$ 452,614 $ 7,638,889
$ 446,958 $ 7,333,333
$ 441,302 $ 7,027,778
$ 435,645 $ 6,722,222
$ 429,989 $ 6,416,667
$ 424,333 $ 6,111,111
$ 418,677 $ 5,805,556
$ 413,021 $ 5,500,000
$ 407,365 $ 5,194,444
$ 401,709 $ 4,888,889
$ 396,053 $ 4,583,333
$ 390,397 $ 4,277,778
$ 384,741 $ 3,972,222
$ 379,085 $ 3,666,667
$ 373,429 $ 3,361,111
$ 367,772 $ 3,055,556
$ 362,116 $ 2,750,000
$ 356,460 $ 2,444,444
$ 350,804 $ 2,138,889
$ 345,148 $ 1,833,333
$ 339,492 $ 1,527,778
$ 333,836 $ 1,222,222
$ 328,180 $ 916,667
$ 322,524 $ 611,111
$ 316,868 $ 305,556
$ 311,212 -$ 0
TABLA 1

Credito Libre Inversion Banco Caja Social


Valor de deuda $ 15,000,000
Tasa anual 25.45% 22.89%
Plazo 5 60
Tasa Efectiva Mensual 1.91%
Cuota Variable
Amortizacion Mensual

Periodo Saldo Intereses Capital Cuota


0 $ 15,000,000 0 0 0
1 $ 15,000,000 $ 286,116 $ 250,000 $ 536,116
2 $ 14,750,000 $ 281,347 $ 250,000 $ 531,347
3 $ 14,500,000 $ 276,579 $ 250,000 $ 526,579
4 $ 14,250,000 $ 271,810 $ 250,000 $ 521,810
5 $ 14,000,000 $ 267,041 $ 250,000 $ 517,041
6 $ 13,750,000 $ 262,273 $ 250,000 $ 512,273
7 $ 13,500,000 $ 257,504 $ 250,000 $ 507,504
8 $ 13,250,000 $ 252,736 $ 250,000 $ 502,736
9 $ 13,000,000 $ 247,967 $ 250,000 $ 497,967
10 $ 12,750,000 $ 243,199 $ 250,000 $ 493,199
11 $ 12,500,000 $ 238,430 $ 250,000 $ 488,430
12 $ 12,250,000 $ 233,661 $ 250,000 $ 483,661
13 $ 12,000,000 $ 228,893 $ 250,000 $ 478,893
14 $ 11,750,000 $ 224,124 $ 250,000 $ 474,124
15 $ 11,500,000 $ 219,356 $ 250,000 $ 469,356
16 $ 11,250,000 $ 214,587 $ 250,000 $ 464,587
17 $ 11,000,000 $ 209,818 $ 250,000 $ 459,818
18 $ 10,750,000 $ 205,050 $ 250,000 $ 455,050
19 $ 10,500,000 $ 200,281 $ 250,000 $ 450,281
20 $ 10,250,000 $ 195,513 $ 250,000 $ 445,513
21 $ 10,000,000 $ 190,744 $ 250,000 $ 440,744
22 $ 9,750,000 $ 185,975 $ 250,000 $ 435,975
23 $ 9,500,000 $ 181,207 $ 250,000 $ 431,207
24 $ 9,250,000 $ 176,438 $ 250,000 $ 426,438
25 $ 9,000,000 $ 171,670 $ 250,000 $ 421,670
26 $ 8,750,000 $ 166,901 $ 250,000 $ 416,901
27 $ 8,500,000 $ 162,132 $ 250,000 $ 412,132
28 $ 8,250,000 $ 157,364 $ 250,000 $ 407,364
29 $ 8,000,000 $ 152,595 $ 250,000 $ 402,595
30 $ 7,750,000 $ 147,827 $ 250,000 $ 397,827
31 $ 7,500,000 $ 143,058 $ 250,000 $ 393,058
32 $ 7,250,000 $ 138,289 $ 250,000 $ 388,289
33 $ 7,000,000 $ 133,521 $ 250,000 $ 383,521
34 $ 6,750,000 $ 128,752 $ 250,000 $ 378,752
35 $ 6,500,000 $ 123,984 $ 250,000 $ 373,984
36 $ 6,250,000 $ 119,215 $ 250,000 $ 369,215
37 $ 6,000,000 $ 114,446 $ 250,000 $ 364,446
38 $ 5,750,000 $ 109,678 $ 250,000 $ 359,678
39 $ 5,500,000 $ 104,909 $ 250,000 $ 354,909
40 $ 5,250,000 $ 100,141 $ 250,000 $ 350,141
41 $ 5,000,000 $ 95,372 $ 250,000 $ 345,372
42 $ 4,750,000 $ 90,603 $ 250,000 $ 340,603
43 $ 4,500,000 $ 85,835 $ 250,000 $ 335,835
44 $ 4,250,000 $ 81,066 $ 250,000 $ 331,066
45 $ 4,000,000 $ 76,298 $ 250,000 $ 326,298
46 $ 3,750,000 $ 71,529 $ 250,000 $ 321,529
47 $ 3,500,000 $ 66,760 $ 250,000 $ 316,760
48 $ 3,250,000 $ 61,992 $ 250,000 $ 311,992
49 $ 3,000,000 $ 57,223 $ 250,000 $ 307,223
50 $ 2,750,000 $ 52,455 $ 250,000 $ 302,455
51 $ 2,500,000 $ 47,686 $ 250,000 $ 297,686
52 $ 2,250,000 $ 42,917 $ 250,000 $ 292,917
53 $ 2,000,000 $ 38,149 $ 250,000 $ 288,149
54 $ 1,750,000 $ 33,380 $ 250,000 $ 283,380
55 $ 1,500,000 $ 28,612 $ 250,000 $ 278,612
56 $ 1,250,000 $ 23,843 $ 250,000 $ 273,843
57 $ 1,000,000 $ 19,074 $ 250,000 $ 269,074
58 $ 750,000 $ 14,306 $ 250,000 $ 264,306
59 $ 500,000 $ 9,537 $ 250,000 $ 259,537
60 $ 250,000 $ 4,769 $ 250,000 $ 254,769
TABLA 2

Credito de consumo Banco Pupular


Valor de deuda
1.91% Tasa anual
Plazo
Tasa Efectiva Mensual
Cuota
Amortizacion
Periodo Gracia

Saldo Final Periodo Saldo


$ 15,000,000 0 $ 18,000,000
$ 14,750,000 1 $ 18,000,000
$ 14,500,000 2 $ 18,000,000
$ 14,250,000 3 $ 18,000,000
$ 14,000,000 4 $ 18,000,000
$ 13,750,000 5 $ 17,062,245
$ 13,500,000 6 $ 16,092,336
$ 13,250,000 7 $ 15,089,168
$ 13,000,000 8 $ 14,051,603
$ 12,750,000 9 $ 12,978,461
$ 12,500,000 10 $ 11,868,520
$ 12,250,000 11 $ 10,720,521
$ 12,000,000 12 $ 9,533,158
$ 11,750,000 13 $ 8,305,080
$ 11,500,000 14 $ 7,034,893
$ 11,250,000 15 $ 5,721,152
$ 11,000,000 16 $ 4,362,363
$ 10,750,000 17 $ 2,956,983
$ 10,500,000 18 $ 1,503,412
$ 10,250,000
$ 10,000,000
$ 9,750,000
$ 9,500,000 Credito de Libre Inversion Davivienda
$ 9,250,000 Valor de deuda
$ 9,000,000 Tasa anual
$ 8,750,000 Plazo
$ 8,500,000 Tasa Efectiva Mensual
$ 8,250,000 Cuota
$ 8,000,000 Amortizacion
$ 7,750,000 Periodo Muerto
$ 7,500,000
$ 7,250,000
$ 7,000,000 Periodo Saldo
$ 6,750,000 0 $ 10,000,000
$ 6,500,000 1 $ 10,000,000
$ 6,250,000 2 $ 11,139,993.93
$ 6,000,000 3 $ 12,409,946.47
$ 5,750,000 4 $ 11,168,951.82
$ 5,500,000 5 $ 9,927,957.17
$ 5,250,000 6 $ 8,686,962.53
$ 5,000,000 7 $ 7,445,967.88
$ 4,750,000 8 $ 6,204,973.23
$ 4,500,000 9 $ 4,963,978.59
$ 4,250,000 10 $ 3,722,983.94
$ 4,000,000 11 $ 2,481,989.29
$ 3,750,000 12 $ 1,240,994.65
$ 3,500,000
$ 3,250,000
$ 3,000,000
$ 2,750,000
$ 2,500,000
$ 2,250,000
$ 2,000,000
$ 1,750,000
$ 1,500,000
$ 1,250,000
$ 1,000,000
$ 750,000
$ 500,000
$ 250,000
$ -
redito de consumo Banco Pupular
$ 18,000,000
22.42% 20.6% 3.43%
3 18
1.71%
Fija
Bimestral 3 bimestral
0.5

Intereses Capital Cuota Saldo Final


0 0 0 $ 18,000,000
$ 617,209 0 $ 617,209 $ 18,000,000
$ 617,209 0 $ 617,209 $ 18,000,000
$ 617,209 $ 617,209 $ 18,000,000
$ 617,209 $ 937,755 $ 1,554,963 $ 17,062,245
$ 585,054 $ 969,910 $ 1,554,963 $ 16,092,336
$ 551,796 $ 1,003,167 $ 1,554,963 $ 15,089,168
$ 517,398 $ 1,037,565 $ 1,554,963 $ 14,051,603
$ 481,821 $ 1,073,143 $ 1,554,963 $ 12,978,461
$ 445,023 $ 1,109,940 $ 1,554,963 $ 11,868,520
$ 406,964 $ 1,147,999 $ 1,554,963 $ 10,720,521
$ 367,600 $ 1,187,363 $ 1,554,963 $ 9,533,158
$ 326,886 $ 1,228,077 $ 1,554,963 $ 8,305,080
$ 284,776 $ 1,270,187 $ 1,554,963 $ 7,034,893
$ 241,222 $ 1,313,741 $ 1,554,963 $ 5,721,152
$ 196,175 $ 1,358,789 $ 1,554,963 $ 4,362,363
$ 149,583 $ 1,405,381 $ 1,554,963 $ 2,956,983
$ 101,393 $ 1,453,570 $ 1,554,963 $ 1,503,412
$ 51,551 $ 1,503,412 $ 1,554,963 $ -

edito de Libre Inversion Davivienda


$ 10,000,000
25.34% 22.8% 11.40%
2 12
1.90%
Fija
Bimestral
2 meses

Intereses Capital Cuota Saldo Final


0 0 0 $ 10,000,000
$ 1,139,994 0 0 $ 11,139,994
$ 1,269,953 0 0 $ 12,409,946
$ 1,414,726 $ 1,240,995 $ 2,655,721 $ 11,168,952
$ 1,273,254 $ 1,382,467 $ 2,655,721 $ 9,927,957
$ 1,131,781 $ 1,523,940 $ 2,655,721 $ 8,686,963
$ 990,308 $ 1,665,413 $ 2,655,721 $ 7,445,968
$ 848,836 $ 1,806,885 $ 2,655,721 $ 6,204,973
$ 707,363 $ 1,948,358 $ 2,655,721 $ 4,963,979
$ 565,891 $ 2,089,830 $ 2,655,721 $ 3,722,984
$ 424,418 $ 2,231,303 $ 2,655,721 $ 2,481,989
$ 282,945 $ 2,372,776 $ 2,655,721 $ 1,240,995
$ 141,473 $ 2,514,248 $ 2,655,721 $ 0
Tabla 3
BANCO AGRARIO
DEUDA
Caja social 25.30% EA
22.77% N
1.90% EM

Monto 10,000,000
Tasa de interes 1.90%
Plazo en años 5
Plazo Mensual 60

TABLA AMORTIZACION DEUDA VARIABLE


Periodo Saldo Inicial Cuota Variable
0 10,000,000 -
1 10,000,000 189,728
2 9,833,333 186,566
3 9,666,667 183,404
4 9,500,000 180,242
5 9,333,333 177,079
6 9,166,667 173,917
7 9,000,000 170,755
8 8,833,333 167,593
9 8,666,667 164,431
10 8,500,000 161,269
11 8,333,333 158,107
12 8,166,667 154,944
13 8,000,000 151,782
14 7,833,333 148,620
15 7,666,667 145,458
16 7,500,000 142,296
17 7,333,333 139,134
18 7,166,667 135,972
19 7,000,000 132,810
20 6,833,333 129,647
21 6,666,667 126,485
22 6,500,000 123,323
23 6,333,333 120,161
24 6,166,667 116,999
25 6,000,000 113,837
26 5,833,333 110,675
27 5,666,667 107,513
28 5,500,000 104,350
29 5,333,333 101,188
30 5,166,667 98,026
31 5,000,000 94,864
32 4,833,333 91,702
33 4,666,667 88,540
34 4,500,000 85,378
35 4,333,333 82,215
36 4,166,667 79,053
37 4,000,000 75,891
38 3,833,333 72,729
39 3,666,667 69,567
40 3,500,000 66,405
41 3,333,333 63,243
42 3,166,667 60,081
43 3,000,000 56,918
44 2,833,333 53,756
45 2,666,667 50,594
46 2,500,000 47,432
47 2,333,333 44,270
48 2,166,667 41,108
49 2,000,000 37,946
50 1,833,333 34,783
51 1,666,667 31,621
52 1,500,000 28,459
53 1,333,333 25,297
54 1,166,667 22,135
55 1,000,000 18,973
56 833,333 15,811

CREDITO DE LIBRE INVERSION


DESEMBOLSO 28,000,000
TASA 7.89%
PALZO AÑO 3
PLAZO MENSUAL 36
CUOTA $ 560.890,25
AMORTIZACION REGULAR MENSUAL
Periodo Saldo inicial Interes
0 18,000,000 0
1 18,000,000 114,274.22
2 14,048,944 89,190.67
3 13,689,223 86,906.96
4 13,327,218 84,608.75
5 12,962,916 82,295.95
6 12,596,300 79,968.46
7 12,227,357 77,626.20
8 11,856,072 75,269.07
9 11,482,429 72,896.98
10 11,106,415 70,509.83
11 10,728,013 68,107.52
12 10,347,209 65,689.96
13 9,963,988 63,257.05
14 9,578,333 60,808.70
15 9,190,231 58,344.80
16 8,799,664 55,865.26
17 8,406,618 53,369.98
18 8,011,076 50,858.86
19 7,613,024 48,331.79
20 7,212,444 45,788.69
21 6,809,321 43,229.43
22 6,403,639 40,653.93
23 5,995,381 38,062.08
24 5,584,532 35,453.78
25 5,171,074 32,828.91
26 4,754,992 30,187.39
27 4,336,268 27,529.09
28 3,914,885 24,853.91
29 3,490,828 22,161.76
30 3,064,078 19,452.51
31 2,634,619 16,726.06
32 2,202,434 13,982.30
33 1,767,504 11,221.12
34 1,329,814 8,442.41
35 889,345 5,646.07
36 446,080 2,831.97

TABLA 12
Amortizacion con periodo de gracia.
Desembolso 18,000,000
Tasa 7.89%
Plazo 4
Cuota Fija
Amortizacion Bimestral
Periodo de gracia 1

Periodo Saldo Inicial


0 18,000,000
1 18,000,000
2 18,000,000
3 18,000,000
4 18,000,000
5 18,000,000
6 18,000,000
7 18,000,000
8 17,103,933
9 16,196,451
10 15,277,411
11 14,346,665
12 13,404,064
13 12,449,456
14 11,482,689
15 10,503,607
16 9,512,055
17 8,507,873
18 7,490,900
19 6,460,973
20 5,417,928
21 4,361,598
22 3,291,812
23 2,208,400
24 1,111,188
Tabla 4

BANCOMEVA
27.53%
24.57%
2.05%

CREDITO DE CONSUMO
Monto
Tasa de interes
Años Plazo en años
Meses Plazo Mensual

TABLA DEA
MORTIZACION DEUDA VARIABLE Periodo
Amortizacion a K Interes Saldo Final 0 Saldo Inicial
- - 10,000,000 1 12,000,000
166,667 356,395 9,833,333 2 12,000,000
166,667 356,395 9,666,667 3 11,900,000
166,667 356,395 9,500,000 4 11,800,000
166,667 356,395 9,333,333 5 11,700,000
166,667 356,395 9,166,667 6 11,600,000
166,667 356,395 9,000,000 7 11,500,000
166,667 356,395 8,833,333 8 11,400,000
166,667 356,395 8,666,667 9 11,300,000
166,667 356,395 8,500,000 10 11,200,000
166,667 356,395 8,333,333 11 11,100,000
166,667 356,395 8,166,667 12 11,000,000
166,667 356,395 8,000,000 13 10,900,000
166,667 356,395 7,833,333 14 10,800,000
166,667 356,395 7,666,667 15 10,700,000
166,667 356,395 7,500,000 16 10,600,000
166,667 356,395 7,333,333 17 10,500,000
166,667 356,395 7,166,667 18 10,400,000
166,667 356,395 7,000,000 19 10,300,000
166,667 356,395 6,833,333 20 10,200,000
166,667 356,395 6,666,667 21 10,100,000
166,667 356,395 6,500,000 22 10,000,000
166,667 356,395 6,333,333 23 9,900,000
166,667 356,395 6,166,667 24 9,800,000
166,667 356,395 6,000,000 25 9,700,000
166,667 356,395 5,833,333 26 9,600,000
166,667 356,395 5,666,667 27 9,500,000
166,667 356,395 5,500,000 28 9,400,000
166,667 356,395 5,333,333 29 9,300,000
166,667 356,395 5,166,667 30 9,200,000
166,667 356,395 5,000,000 31 9,100,000
166,667 356,395 4,833,333 32 9,000,000
166,667 356,395 4,666,667 33 8,900,000
166,667 356,395 4,500,000 34 8,800,000
166,667 356,395 4,333,333 35 8,700,000
166,667 356,395 4,166,667 36 8,600,000
166,667 356,395 4,000,000 37 8,500,000
166,667 356,395 3,833,333 38 8,400,000
166,667 356,395 3,666,667 39 8,300,000
166,667 356,395 3,500,000 40 8,200,000
166,667 356,395 3,333,333 41 8,100,000
166,667 356,395 3,166,667 42 8,000,000
166,667 356,395 3,000,000 43 7,900,000
166,667 356,395 2,833,333 44 7,800,000
166,667 356,395 2,666,667 45 7,700,000
166,667 356,395 2,500,000 46 7,600,000
166,667 356,395 2,333,333 47 7,500,000
166,667 356,395 2,166,667 48 7,400,000
166,667 356,395 2,000,000 49 7,300,000
166,667 356,395 1,833,333 50 7,200,000
166,667 356,395 1,666,667 51 7,100,000
166,667 356,395 1,500,000 52 7,000,000
166,667 356,395 1,333,333 53 6,900,000
166,667 356,395 1,166,667 54 6,800,000
166,667 356,395 1,000,000 55 6,700,000
166,667 356,395 833,333 56 6,600,000
166,667 356,395 666,667 6,500,000

28,000,000
7.89%
3
36 0.63%
0,25 FIJA Variable
L

TABLA 11
Abono a k Cuota Saldo Final
0 0 18,000,000 Periodo
3,951,056.20 4,065,330.42 14,048,944 0
359,720.82 448,911.49 13,689,223 1
362,004.53 448,911.49 13,327,218 2
364,302.74 448,911.49 12,962,916 3
366,615.54 448,911.49 12,596,300 4
368,943.02 448,911.49 12,227,357 5
371,285.28 448,911.49 11,856,072 6
373,642.41 448,911.49 11,482,429 7
376,014.51 448,911.49 11,106,415 8
378,401.66 448,911.49 10,728,013 9
380,803.97 448,911.49 10,347,209 10
383,221.53 448,911.49 9,963,988 11
385,654.44 448,911.49 9,578,333 12
388,102.79 448,911.49 9,190,231 13
390,566.69 448,911.49 8,799,664 14
393,046.22 448,911.49 8,406,618 15
395,541.51 448,911.49 8,011,076 16
398,052.63 448,911.49 7,613,024 17
400,579.69 448,911.49 7,212,444 18
403,122.80 448,911.49 6,809,321 19
405,682.05 448,911.49 6,403,639 20
408,257.55 448,911.49 5,995,381 21
410,849.40 448,911.49 5,584,532 22
413,457.71 448,911.49 5,171,074 23
416,082.57 448,911.49 4,754,992 24
418,724.10 448,911.49 4,336,268 25
421,382.40 448,911.49 3,914,885 26
424,057.57 448,911.49 3,490,828 27
426,749.73 448,911.49 3,064,078 28
429,458.98 448,911.49 2,634,619 29
432,185.43 448,911.49 2,202,434 30
434,929.19 448,911.49 1,767,504 31
437,690.36 448,911.49 1,329,814 32
440,469.07 448,911.49 889,345 33
443,265.42 448,911.49 446,080 34
446,079.52 448,911.49 0 35
36
bimestral
E.A 7.64% N 1.27%
años 24 bimestres 48 meses

años 6 bimestres

Interes Abono a k Cuota Saldo final


0 0 0 18,000,000
229,273.91 0 - 18,000,000
229,273.91 0 - 18,000,000
229,273.91 0 - 18,000,000
229,273.91 0 - 18,000,000
229,273.91 0 - 18,000,000
229,273.91 0 - 18,000,000
229,273.91 896,067.45 1,125,341.36 17,103,933
217,860.31 907,481.05 1,125,341.36 16,196,451
206,301.32 919,040.04 1,125,341.36 15,277,411
194,595.10 930,746.26 1,125,341.36 14,346,665
182,739.78 942,601.58 1,125,341.36 13,404,064
170,733.45 954,607.91 1,125,341.36 12,449,456
158,574.19 966,767.17 1,125,341.36 11,482,689
146,260.05 979,081.31 1,125,341.36 10,503,607
133,789.06 991,552.30 1,125,341.36 9,512,055
121,159.22 1,004,182.14 1,125,341.36 8,507,873
108,368.51 1,016,972.84 1,125,341.36 7,490,900
95,414.88 1,029,926.47 1,125,341.36 6,460,973
82,296.26 1,043,045.10 1,125,341.36 5,417,928
69,010.53 1,056,330.82 1,125,341.36 4,361,598
55,555.58 1,069,785.77 1,125,341.36 3,291,812
41,929.25 1,083,412.11 1,125,341.36 2,208,400
28,129.36 1,097,212.00 1,125,341.36 1,111,188
14,153.69 1,111,187.67 1,125,341.36 0
18,000,000.00
BANCOMEVA
EA
N
EM

CREDITO DE CONSUMO
12,000,000
2.05%
10 Años
120 Meses

TABLA DEAMORTIZACION VARIABLE

Cuota Variable Amortizacion a K Interes Saldo Final


- - - 12,000,000
227,674 100,000 327,674 11,900,000
227,674 100,000 327,674 11,800,000
225,776 100,000 327,674 11,700,000
223,879 100,000 327,674 11,600,000
221,982 100,000 327,674 11,500,000
220,084 100,000 327,674 11,400,000
218,187 100,000 327,674 11,300,000
216,290 100,000 327,674 11,200,000
214,393 100,000 327,674 11,100,000
212,495 100,000 327,674 11,000,000
210,598 100,000 327,674 10,900,000
208,701 100,000 327,674 10,800,000
206,803 100,000 327,674 10,700,000
204,906 100,000 327,674 10,600,000
203,009 100,000 327,674 10,500,000
201,112 100,000 327,674 10,400,000
199,214 100,000 327,674 10,300,000
197,317 100,000 327,674 10,200,000
195,420 100,000 327,674 10,100,000
193,523 100,000 327,674 10,000,000
191,625 100,000 327,674 9,900,000
189,728 100,000 327,674 9,800,000
187,831 100,000 327,674 9,700,000
185,933 100,000 327,674 9,600,000
184,036 100,000 327,674 9,500,000
182,139 100,000 327,674 9,400,000
180,242 100,000 327,674 9,300,000
178,344 100,000 327,674 9,200,000
176,447 100,000 327,674 9,100,000
174,550 100,000 327,674 9,000,000
172,652 100,000 327,674 8,900,000
170,755 100,000 327,674 8,800,000
168,858 100,000 327,674 8,700,000
166,961 100,000 327,674 8,600,000
165,063 100,000 327,674 8,500,000
163,166 100,000 327,674 8,400,000
161,269 100,000 327,674 8,300,000
159,371 100,000 327,674 8,200,000
157,474 100,000 327,674 8,100,000
155,577 100,000 327,674 8,000,000
153,680 100,000 327,674 7,900,000
151,782 100,000 327,674 7,800,000
149,885 100,000 327,674 7,700,000
147,988 100,000 327,674 7,600,000
146,091 100,000 327,674 7,500,000
144,193 100,000 327,674 7,400,000
142,296 100,000 327,674 7,300,000
140,399 100,000 327,674 7,200,000
138,501 100,000 327,674 7,100,000
136,604 100,000 327,674 7,000,000
134,707 100,000 327,674 6,900,000
132,810 100,000 327,674 6,800,000
130,912 100,000 327,674 6,700,000
129,015 100,000 327,674 6,600,000
127,118 100,000 327,674 6,500,000
125,220 100,000 327,674 6,400,000
57
58
59
60
Saldo Incial Interes Abono a k Cuota Saldo Final
18,000,000 0 0 0 18,000,000
18,000,000 114,274.22 500000 614,274.22 17,500,000
17,500,000 111,099.93 500000 611,099.93 17,000,000
17,000,000 107,925.65 500000 607,925.65 16,500,000
16,500,000 104,751.36 500000 604,751.36 16,000,000
16,000,000 101,577.08 500000 601,577.08 15,500,000
15,500,000 98,402.80 500000 598,402.80 15,000,000
15,000,000 95,228.51 500000 595,228.51 14,500,000
14,500,000 92,054.23 500000 592,054.23 14,000,000
14,000,000 88,879.95 500000 588,879.95 13,500,000
13,500,000 85,705.66 500000 585,705.66 13,000,000
13,000,000 82,531.38 500000 582,531.38 12,500,000
12,500,000 79,357.09 500000 579,357.09 12,000,000
12,000,000 76,182.81 500000 576,182.81 11,500,000
11,500,000 73,008.53 500000 573,008.53 11,000,000
11,000,000 69,834.24 500000 569,834.24 10,500,000
10,500,000 66,659.96 500000 566,659.96 10,000,000
10,000,000 63,485.68 500000 563,485.68 9,500,000
9,500,000 60,311.39 500000 560,311.39 9,000,000
9,000,000 57,137.11 500000 557,137.11 8,500,000
8,500,000 53,962.82 500000 553,962.82 8,000,000
8,000,000 50,788.54 500000 550,788.54 7,500,000
7,500,000 47,614.26 500000 547,614.26 7,000,000
7,000,000 44,439.97 500000 544,439.97 6,500,000
6,500,000 41,265.69 500000 541,265.69 6,000,000
6,000,000 38,091.41 500000 538,091.41 5,500,000
5,500,000 34,917.12 500000 534,917.12 5,000,000
5,000,000 31,742.84 500000 531,742.84 4,500,000
4,500,000 28,568.55 500000 528,568.55 4,000,000
4,000,000 25,394.27 500000 525,394.27 3,500,000
3,500,000 22,219.99 500000 522,219.99 3,000,000
3,000,000 19,045.70 500000 519,045.70 2,500,000
2,500,000 15,871.42 500000 515,871.42 2,000,000
2,000,000 12,697.14 500000 512,697.14 1,500,000
1,500,000 9,522.85 500000 509,522.85 1,000,000
1,000,000 6,348.57 500000 506,348.57 500,000
500,000 3,174.28 500000 503,174.28 0
18000000
Tabla 5

BANCO DE BOGOTA
7.95% EA
7.80% N
3.90% ES

CREDITO HIPOTECARIO
Monto 300,000,000
Tasa de interes 3.90%
Plazo en años 10 Años
Plazo Semestral 60 Semestres
Cuota $ 13,124,648.38 Fija
Periodo Gracia 1 Año 2

TABLA AMORTIZACION CON PERIODO DE GRACIA


Periodo Saldo Inicial Cuota Fija Abono a K Interes
0 300,000,000 - - -
1 300,000,000 13,124,648 - 11,696,968
2 300,000,000 13,124,648 - 11,696,968
3 300,000,000 13,124,648 1,427,680 11,696,968
4 298,572,320 13,124,648 1,483,345 11,641,303
5 297,088,975 13,124,648 1,541,181 11,583,468
6 295,547,794 13,124,648 1,601,271 11,523,377
7 293,946,523 13,124,648 1,663,705 11,460,944
8 292,282,818 13,124,648 1,728,572 11,396,076
9 290,554,246 13,124,648 1,795,969 11,328,679
10 288,758,277 13,124,648 1,865,994 11,258,655
11 286,892,283 13,124,648 1,938,749 11,185,900
12 284,953,534 13,124,648 2,014,340 11,110,308
13 282,939,194 13,124,648 2,092,879 11,031,769
14 280,846,315 13,124,648 2,174,480 10,950,168
15 278,671,834 13,124,648 2,259,263 10,865,385
16 276,412,571 13,124,648 2,347,351 10,777,297
17 274,065,220 13,124,648 2,438,874 10,685,774
18 271,626,345 13,124,648 2,533,966 10,590,682
19 269,092,379 13,124,648 2,632,765 10,491,883
20 266,459,614 13,124,648 2,735,416 10,389,232
21 263,724,198 13,124,648 2,842,070 10,282,579
22 260,882,128 13,124,648 2,952,882 10,171,767
23 257,929,247 13,124,648 3,068,014 10,056,634
24 254,861,232 13,124,648 3,187,636 9,937,012
25 251,673,596 13,124,648 3,311,922 9,812,727
26 248,361,675 13,124,648 3,441,053 9,683,595
27 244,920,622 13,124,648 3,575,219 9,549,429
28 241,345,402 13,124,648 3,714,617 9,410,032
29 237,630,786 13,124,648 3,859,449 9,265,199
30 233,771,337 13,124,648 4,009,929 9,114,720
31 229,761,408 13,124,648 4,166,275 8,958,373
32 225,595,132 13,124,648 4,328,718 8,795,930
33 221,266,414 13,124,648 4,497,494 8,627,154
34 216,768,920 13,124,648 4,672,851 8,451,797
35 212,096,069 13,124,648 4,855,045 8,269,603
36 207,241,024 13,124,648 5,044,343 8,080,306
37 202,196,681 13,124,648 5,241,021 7,883,627
38 196,955,660 13,124,648 5,445,368 7,679,280
39 191,510,292 13,124,648 5,657,682 7,466,966
40 185,852,609 13,124,648 5,878,275 7,246,374
41 179,974,334 13,124,648 6,107,468 7,017,180
42 173,866,866 13,124,648 6,345,598 6,779,051
43 167,521,269 13,124,648 6,593,012 6,531,637
44 160,928,257 13,124,648 6,850,073 6,274,576
45 154,078,184 13,124,648 7,117,156 6,007,492
46 146,961,028 13,124,648 7,394,653 5,729,995
47 139,566,374 13,124,648 7,682,970 5,441,678
48 131,883,404 13,124,648 7,982,528 5,142,120
49 123,900,876 13,124,648 8,293,766 4,830,882
50 115,607,109 13,124,648 8,617,139 4,507,509
51 106,989,970 13,124,648 8,953,121 4,171,528
52 98,036,849 13,124,648 9,302,202 3,822,446
53 88,734,647 13,124,648 9,664,894 3,459,754
54 79,069,753 13,124,648 10,041,727 3,082,921
55 69,028,026 13,124,648 10,433,253 2,691,395
666,667 12,649 166,667 356,395 500,000
500,000 9,486 166,667 356,395 333,333
333,333 6,324 166,667 356,395 166,667
166,667 3,162 166,667 356,395 -
722,522,328
Tabla 6

Banco de occident 7.95%


7.80%
3.90%

CREDITO HIPOTECARIO
Monto
Tasa de interes
Plazo en años
Plazo Semestral
Cuota
Semestres Periodo Muerto

TABLA AMORTIZACION CO
Saldo Final Periodo Saldo Inicial
300,000,000 0 250,000,000
300,000,000 1 250,000,000
300,000,000 2 259,747,474
298,572,320 3 269,875,000
297,088,975 4 268,590,683
295,547,794 5 267,256,290
293,946,523 6 265,869,870
292,282,818 7 264,429,393
290,554,246 8 262,932,752
288,758,277 9 261,377,757
286,892,283 10 259,762,133
284,953,534 11 258,083,516
282,939,194 12 256,339,450
280,846,315 13 254,527,383
278,671,834 14 252,644,664
276,412,571 15 250,688,538
274,065,220 16 248,656,142
271,626,345 17 246,544,504
269,092,379 18 244,350,533
266,459,614 19 242,071,020
263,724,198 20 239,702,628
260,882,128 21 237,241,893
257,929,247 22 234,685,215
254,861,232 23 232,028,851
251,673,596 24 229,268,917
248,361,675 25 226,401,373
244,920,622 26 223,422,023
241,345,402 27 220,326,509
237,630,786 28 217,110,302
233,771,337 29 213,768,694
229,761,408 30 210,296,798
225,595,132 31 206,689,533
221,266,414 32 202,941,621
216,768,920 33 199,047,579
212,096,069 34 195,001,708
207,241,024 35 190,798,089
202,196,681 36 186,430,571
196,955,660 37 181,892,764
191,510,292 38 177,178,029
185,852,609 39 172,279,467
179,974,334 40 167,189,910
173,866,866 41 161,901,912
167,521,269 42 156,407,735
160,928,257 43 150,699,341
154,078,184 44 144,768,378
146,961,028 45 138,606,166
139,566,374 46 132,203,691
131,883,404 47 125,551,584
123,900,876 48 118,640,112
115,607,109 49 111,459,163
106,989,970 50 103,998,229
98,036,849 51 96,246,394
88,734,647 52 88,192,315
79,069,753 53 79,824,210
69,028,026 54 71,129,832
58,594,773 55 62,096,462
57 6,400,000 123,323 100,000
58 6,300,000 121,426 100,000
59 6,200,000 119,529 100,000
60 6,100,000 117,631 100,000
61 6,000,000 115,734 100,000
62 5,900,000 113,837 100,000
63 5,800,000 111,939 100,000
64 5,700,000 110,042 100,000
65 5,600,000 108,145 100,000
66 5,500,000 106,248 100,000
67 5,400,000 104,350 100,000
68 5,300,000 102,453 100,000
69 5,200,000 100,556 100,000
70 5,100,000 98,659 100,000
71 5,000,000 96,761 100,000
72 4,900,000 94,864 100,000
73 4,800,000 92,967 100,000
74 4,700,000 91,069 100,000
75 4,600,000 89,172 100,000
76 4,500,000 87,275 100,000
77 4,400,000 85,378 100,000
78 4,300,000 83,480 100,000
79 4,200,000 81,583 100,000
80 4,100,000 79,686 100,000
81 4,000,000 77,788 100,000
82 3,900,000 75,891 100,000
83 3,800,000 73,994 100,000
84 3,700,000 72,097 100,000
85 3,600,000 70,199 100,000
86 3,500,000 68,302 100,000
87 3,400,000 66,405 100,000
88 3,300,000 64,508 100,000
89 3,200,000 62,610 100,000
90 3,100,000 60,713 100,000
91 3,000,000 58,816 100,000
92 2,900,000 56,918 100,000
93 2,800,000 55,021 100,000
94 2,700,000 53,124 100,000
95 2,600,000 51,227 100,000
96 2,500,000 49,329 100,000
97 2,400,000 47,432 100,000
98 2,300,000 45,535 100,000
99 2,200,000 43,637 100,000
100 2,100,000 41,740 100,000
101 2,000,000 39,843 100,000
102 1,900,000 37,946 100,000
103 1,800,000 36,048 100,000
104 1,700,000 34,151 100,000
105 1,600,000 32,254 100,000
106 1,500,000 30,356 100,000
107 1,400,000 28,459 100,000
108 1,300,000 26,562 100,000
109 1,200,000 24,665 100,000
110 1,100,000 22,767 100,000
111 1,000,000 20,870 100,000
112 900,000 18,973 100,000
113 800,000 17,076 100,000
114 700,000 15,178 100,000
115 600,000 13,281 100,000
116 500,000 11,384 100,000
117 400,000 9,486 100,000
118 300,000 7,589 100,000
119 200,000 5,692 100,000
120 100,000 3,795 100,000
11,245,575,098
EA
N
ES

CREDITO HIPOTECARIO 60
250,000,000
3.90%
10 Años 3
60 Semestres
$ 11,806,714.94 Fija
1 Año 2 Semestres

TABLA AMORTIZACION CON PERIODO MUERTO


Cuota Fija Abono a K Interes Saldo Final
- - - 250,000,000
- - 9,747,474 259,747,474
- - 10,127,526 269,875,000
11,806,715 1,284,317 10,522,398 268,590,683
11,806,715 1,334,393 10,472,322 267,256,290
11,806,715 1,386,420 10,420,294 265,869,870
11,806,715 1,440,477 10,366,238 264,429,393
11,806,715 1,496,641 10,310,074 262,932,752
11,806,715 1,554,995 10,251,720 261,377,757
11,806,715 1,615,624 10,191,091 259,762,133
11,806,715 1,678,617 10,128,098 258,083,516
11,806,715 1,744,066 10,062,649 256,339,450
11,806,715 1,812,067 9,994,648 254,527,383
11,806,715 1,882,719 9,923,996 252,644,664
11,806,715 1,956,126 9,850,589 250,688,538
11,806,715 2,032,395 9,774,320 248,656,142
11,806,715 2,111,638 9,695,077 246,544,504
11,806,715 2,193,971 9,612,744 244,350,533
11,806,715 2,279,514 9,527,201 242,071,020
11,806,715 2,368,392 9,438,323 239,702,628
11,806,715 2,460,735 9,345,980 237,241,893
11,806,715 2,556,679 9,250,036 234,685,215
11,806,715 2,656,363 9,150,352 232,028,851
11,806,715 2,759,935 9,046,780 229,268,917
11,806,715 2,867,544 8,939,171 226,401,373
11,806,715 2,979,349 8,827,366 223,422,023
11,806,715 3,095,514 8,711,201 220,326,509
11,806,715 3,216,208 8,590,507 217,110,302
11,806,715 3,341,607 8,465,108 213,768,694
11,806,715 3,471,896 8,334,819 210,296,798
11,806,715 3,607,265 8,199,450 206,689,533
11,806,715 3,747,912 8,058,803 202,941,621
11,806,715 3,894,043 7,912,672 199,047,579
11,806,715 4,045,871 7,760,844 195,001,708
11,806,715 4,203,619 7,603,096 190,798,089
11,806,715 4,367,518 7,439,197 186,430,571
11,806,715 4,537,807 7,268,908 181,892,764
11,806,715 4,714,735 7,091,980 177,178,029
11,806,715 4,898,562 6,908,153 172,279,467
11,806,715 5,089,557 6,717,158 167,189,910
11,806,715 5,287,998 6,518,717 161,901,912
11,806,715 5,494,177 6,312,538 156,407,735
11,806,715 5,708,394 6,098,321 150,699,341
11,806,715 5,930,964 5,875,751 144,768,378
11,806,715 6,162,211 5,644,504 138,606,166
11,806,715 6,402,475 5,404,240 132,203,691
11,806,715 6,652,107 5,154,608 125,551,584
11,806,715 6,911,472 4,895,243 118,640,112
11,806,715 7,180,950 4,625,765 111,459,163
11,806,715 7,460,934 4,345,781 103,998,229
11,806,715 7,751,835 4,054,880 96,246,394
11,806,715 8,054,078 3,752,637 88,192,315
11,806,715 8,368,106 3,438,609 79,824,210
11,806,715 8,694,377 3,112,337 71,129,832
11,806,715 9,033,370 2,773,345 62,096,462
11,806,715 9,385,580 2,421,134 52,710,881
327,674 6,300,000 56 58,594,773
327,674 6,200,000 57 47,754,729
327,674 6,100,000 58 36,492,032
327,674 6,000,000 59 24,790,204
327,674 5,900,000 60 12,632,123
327,674 5,800,000
327,674 5,700,000
327,674 5,600,000
327,674 5,500,000
327,674 5,400,000
327,674 5,300,000
327,674 5,200,000
327,674 5,100,000
327,674 5,000,000
327,674 4,900,000
327,674 4,800,000
327,674 4,700,000
327,674 4,600,000
327,674 4,500,000
327,674 4,400,000
327,674 4,300,000
327,674 4,200,000
327,674 4,100,000
327,674 4,000,000
327,674 3,900,000
327,674 3,800,000
327,674 3,700,000
327,674 3,600,000
327,674 3,500,000
327,674 3,400,000
327,674 3,300,000
327,674 3,200,000
327,674 3,100,000
327,674 3,000,000
327,674 2,900,000
327,674 2,800,000
327,674 2,700,000
327,674 2,600,000
327,674 2,500,000
327,674 2,400,000
327,674 2,300,000
327,674 2,200,000
327,674 2,100,000
327,674 2,000,000
327,674 1,900,000
327,674 1,800,000
327,674 1,700,000
327,674 1,600,000
327,674 1,500,000
327,674 1,400,000
327,674 1,300,000
327,674 1,200,000
327,674 1,100,000
327,674 1,000,000
327,674 900,000
327,674 800,000
327,674 700,000
327,674 600,000
327,674 500,000
327,674 400,000
327,674 300,000
327,674 200,000
327,674 100,000
327,674 -
Tabla 7

FRECUENCIAS

Mensual 12
Bimestral 6
Trimestral 4
Cuatrimestral 3
Semestral 2
Anual 1

PRESTAMO
Valor Total del prestamo 80,000,000
Tasa de interes anual 22%
Plazo en años 5 Años
Frecuencia 12
Periodos mensuales 60 Fija

Cuota nivelada 2,209,513

TABLA DE AMORTIZACION DEL PRESTAMO


Periodo Cuota Capital Intereses Saldo
0 - - 80,000,000
1 2,209,513 742,846 1,466,667 79,257,154
2 2,209,513 756,465 1,453,048 78,500,689
3 2,209,513 770,334 1,439,179 77,730,355
4 2,209,513 784,456 1,425,057 76,945,898
5 2,209,513 798,838 1,410,675 76,147,060
6 2,209,513 813,484 1,396,029 75,333,577
7 2,209,513 828,397 1,381,116 74,505,179
8 2,209,513 843,585 1,365,928 73,661,595
9 2,209,513 859,050 1,350,463 72,802,544
10 2,209,513 874,800 1,334,713 71,927,745
11 2,209,513 890,838 1,318,675 71,036,907
12 2,209,513 907,170 1,302,343 70,129,737
13 2,209,513 923,801 1,285,712 69,205,936
14 2,209,513 940,737 1,268,775 68,265,199
15 2,209,513 957,984 1,251,529 67,307,214
16 2,209,513 975,547 1,233,966 66,331,667
17 2,209,513 993,432 1,216,081 65,338,235
18 2,209,513 1,011,645 1,197,868 64,326,589
19 2,209,513 1,030,192 1,179,321 63,296,397
20 2,209,513 1,049,079 1,160,434 62,247,318
21 2,209,513 1,068,312 1,141,201 61,179,006
22 2,209,513 1,087,898 1,121,615 60,091,108
23 2,209,513 1,107,843 1,101,670 58,983,266
24 2,209,513 1,128,153 1,081,360 57,855,112
25 2,209,513 1,148,836 1,060,677 56,706,277
26 2,209,513 1,169,898 1,039,615 55,536,379
27 2,209,513 1,191,346 1,018,167 54,345,033
28 2,209,513 1,213,187 996,326 53,131,845
29 2,209,513 1,235,429 974,084 51,896,416
30 2,209,513 1,258,079 951,434 50,638,337
31 2,209,513 1,281,143 928,370 49,357,194
32 2,209,513 1,304,631 904,882 48,052,563
33 2,209,513 1,328,549 880,964 46,724,014
34 2,209,513 1,352,906 856,607 45,371,108
35 2,209,513 1,377,709 831,804 43,993,398
36 2,209,513 1,402,967 806,546 42,590,431
37 2,209,513 1,428,688 780,825 41,161,743
38 2,209,513 1,454,881 754,632 39,706,862
39 2,209,513 1,481,554 727,959 38,225,308
40 2,209,513 1,508,716 700,797 36,716,592
41 2,209,513 1,536,375 673,138 35,180,217
42 2,209,513 1,564,542 644,971 33,615,674
43 2,209,513 1,593,226 616,287 32,022,449
44 2,209,513 1,622,435 587,078 30,400,014
45 2,209,513 1,652,179 557,334 28,747,835
46 2,209,513 1,682,469 527,044 27,065,365
47 2,209,513 1,713,315 496,198 25,352,051
48 2,209,513 1,744,725 464,788 23,607,325
49 2,209,513 1,776,712 432,801 21,830,613
50 2,209,513 1,809,285 400,228 20,021,328
51 2,209,513 1,842,455 367,058 18,178,873
52 2,209,513 1,876,234 333,279 16,302,639
53 2,209,513 1,910,631 298,882 14,392,008
13,124,648 10,840,044 2,284,604 47,754,729
13,124,648 11,262,697 1,861,952 36,492,032
13,124,648 11,701,828 1,422,820 24,790,204
13,124,648 12,158,081 966,567 12,632,123
13,124,648 12,632,123 492,525 0
175,698,960
Tabla 8

FRECUENCIAS

Mensual 12
Bimestral 6
Trimestral 4
Cuatrimestral 3
Semestral 2
Anual 1

PRESTAMO CON IVA


Valor Total del prestamo 155,000,000
Tasa de interes anual 23.81%
Plazo en años 3 Años
Tiempo en mes 36
Interés al mes 1.98%
Interés si iva 1.67%

TABLA DE AMORTIZACION DEL PRESTAMO


Periodo Cuota Interes IVA Amortización
0 $ - $ - $ -
1 $ 6,065,640.02 $ 2,584,418.77 $ 491,039.57 $ 2,990,181.68
2 $ 6,065,640.02 $ 2,534,561.47 $ 481,566.68 $ 3,049,511.87
3 $ 6,065,640.02 $ 2,483,714.91 $ 471,905.83 $ 3,110,019.27
4 $ 6,065,640.02 $ 2,431,859.48 $ 462,053.30 $ 3,171,727.24
5 $ 6,065,640.02 $ 2,378,975.15 $ 452,005.28 $ 3,234,659.59
6 $ 6,065,640.02 $ 2,325,041.50 $ 441,757.89 $ 3,298,840.63
7 $ 6,065,640.02 $ 2,270,037.73 $ 431,307.17 $ 3,364,295.13
8 $ 6,065,640.02 $ 2,213,942.58 $ 420,649.09 $ 3,431,048.35
9 $ 6,065,640.02 $ 2,156,734.41 $ 409,779.54 $ 3,499,126.07
10 $ 6,065,640.02 $ 2,098,391.14 $ 398,694.32 $ 3,568,554.56
11 $ 6,065,640.02 $ 2,038,890.24 $ 387,389.15 $ 3,639,360.63
12 $ 6,065,640.02 $ 1,978,208.75 $ 375,859.66 $ 3,711,571.61
13 $ 6,065,640.02 $ 1,916,323.23 $ 364,101.41 $ 3,785,215.38
14 $ 6,065,640.02 $ 1,853,209.80 $ 352,109.86 $ 3,860,320.36
15 $ 6,065,640.02 $ 1,788,844.09 $ 339,880.38 $ 3,936,915.55
16 $ 6,065,640.02 $ 1,723,201.27 $ 327,408.24 $ 4,015,030.51
17 $ 6,065,640.02 $ 1,656,255.97 $ 314,688.63 $ 4,094,695.41
18 $ 6,065,640.02 $ 1,587,982.38 $ 301,716.65 $ 4,175,940.99
19 $ 6,065,640.02 $ 1,518,354.12 $ 288,487.28 $ 4,258,798.62
20 $ 6,065,640.02 $ 1,447,344.32 $ 274,995.42 $ 4,343,300.28
21 $ 6,065,640.02 $ 1,374,925.56 $ 261,235.86 $ 4,429,478.60
22 $ 6,065,640.02 $ 1,301,069.90 $ 247,203.28 $ 4,517,366.84
23 $ 6,065,640.02 $ 1,225,748.82 $ 232,892.28 $ 4,606,998.92
24 $ 6,065,640.02 $ 1,148,933.24 $ 218,297.32 $ 4,698,409.46
25 $ 6,065,640.02 $ 1,070,593.51 $ 203,412.77 $ 4,791,633.74
26 $ 6,065,640.02 $ 990,699.40 $ 188,232.89 $ 4,886,707.74
27 $ 6,065,640.02 $ 909,220.05 $ 172,751.81 $ 4,983,668.16
28 $ 6,065,640.02 $ 826,124.01 $ 156,963.56 $ 5,082,552.44
29 $ 6,065,640.02 $ 741,379.21 $ 140,862.05 $ 5,183,398.75
30 $ 6,065,640.02 $ 654,952.94 $ 124,441.06 $ 5,286,246.03
31 $ 6,065,640.02 $ 566,811.82 $ 107,694.25 $ 5,391,133.96
32 $ 6,065,640.02 $ 476,921.83 $ 90,615.15 $ 5,498,103.04
33 $ 6,065,640.02 $ 385,248.28 $ 73,197.17 $ 5,607,194.57
34 $ 6,065,640.02 $ 291,755.77 $ 55,433.60 $ 5,718,450.65
35 $ 6,065,640.02 $ 196,408.21 $ 37,317.56 $ 5,831,914.24
36 $ 6,065,640.02 $ 99,168.80 $ 18,842.07 $ 5,947,629.14
155,000,000

56 52,710,881 11,806,715 9,751,523 2,055,192


57 42,959,358 11,806,715 10,131,734 1,674,981
58 32,827,624 11,806,715 10,526,769 1,279,946
59 22,300,855 11,806,715 10,937,207 869,508
60 11,363,648 11,806,715 11,363,648 443,067
62,827,669
Tabla 9

FRECUENCIAS

Mensual 12
Bimestral 6
Trimestral 4
Cuatrimestral 3
Semestral 2
Anual 1

VARIABLE
Valor Total del prestamo 6,000,000
Tasa de interes anual 0.70%
Plazo en años 12

TABLA DE AMORTIZACION VARIABLE


Saldo Periodo Cuota a capital Interes
155,000,000 0 $ -
152,009,818 1 $ 500,000 $ 42,000
148,960,306 2 $ 500,000 $ 38,500
145,850,287 3 $ 500,000 $ 35,000
142,678,560 4 $ 500,000 $ 31,500
139,443,900 5 $ 500,000 $ 28,000
136,145,060 6 $ 500,000 $ 24,500
132,780,765 7 $ 500,000 $ 21,000
129,349,716 8 $ 500,000 $ 17,500
125,850,590 9 $ 500,000 $ 14,000
122,282,036 10 $ 500,000 $ 10,500
118,642,675 11 $ 500,000 $ 7,000
114,931,103 12 $ 500,000 $ 3,500
111,145,888 TOTAL 6,000,000 273,000
107,285,568
103,348,652
99,333,622
95,238,926
91,062,985
86,804,187
82,460,886
78,031,408
73,514,041
68,907,042
64,208,632
59,416,999
54,530,291
49,546,623
44,464,070
39,280,672
33,994,426
28,603,292
23,105,189
17,497,994
11,779,543
5,947,629
- 0

42,959,358 54 2,209,513 1,945,659


32,827,624 55 2,209,513 1,981,330
22,300,855 56 2,209,513 2,017,654
11,363,648 57 2,209,513 2,054,645
0 58 2,209,513 2,092,313
59 2,209,513 2,130,672
60 2,209,513 2,169,734
meses

TIZACION VARIABLE
Amortización Saldo
$ - $ 6,000,000
$ 542,000 $ 5,500,000
$ 538,500 $ 5,000,000
$ 535,000 $ 4,500,000
$ 531,500 $ 4,000,000
$ 528,000 $ 3,500,000
$ 524,500 $ 3,000,000
$ 521,000 $ 2,500,000
$ 517,500 $ 2,000,000
$ 514,000 $ 1,500,000
$ 510,500 $ 1,000,000
$ 507,000 $ 500,000
$ 503,500 $ -
6,273,000
263,853 12,446,349
228,183 10,465,019
191,859 8,447,364
154,868 6,392,720
117,200 4,300,407
78,841 2,169,734
39,778 0
13,620,583
-
-
PUNTO N° 5 PUNTO N°6

¿Cual es la tasa semestral de una tasa del 18,5?


6. Pedro tiene ahorrados $200.0

Respuesta:
a) Un fondo de inversión que ofre
b) Un fondo
c) Un CDT que
de ofrece
pensiónel voluntari
3,7% nom
18.50% EA
¿Cuál opción debe tomar Pedro?

17.1% Nominal
Respuesta:
2.85% E.S
a)

TASA
NM
EA

c)

TASA
NM
EA

La opcion que debe tomar p

200
. Pedro tiene ahorrados $200.000.000 en su cuenta de ahorros, su agente de inversión le plantea tres alternativas a un año:

) Un fondo de inversión que ofrece el 0,3% mensual


)) Un
Un fondo
CDT que
de ofrece
pensiónel voluntaria
3,7% nominal
quesemestral.
ofrece el 0,6% bimestral.

Cuál opción debe tomar Pedro?

Ahorro: 200.000.000 b) Ahorro: 200.000.000


TASA 3.7%
0.30% EA 3.7%
3.6%
3.7%

Ahorro 200.000.000

0.60%
3.6%
3.7%

La opcion que debe tomar pedro es la de fondo de inversion ya que ofrece una buena tasa mensual y puede obtner un ahorro rotati
nativas a un año:

puede obtner un ahorro rotativo


¿Cuál sería la cuota fija mensual si Ana no tomara el beneficio de period
• tasa del 12% E.A
• Plazo 4 años

• tasa del 12% E.A


• Plazo 4 años
• Amortización mensual
• Periodo de gracia de 6 meses
• Cuota fija mensual
¿Cuál es la cuota mensual que va a pagar Ana durante la amortización de la deuda? RESPU
$1.666.667
¿Cuánto pagará en intereses Ana durante todo el periodo de amortización? RESPUESTA: Deber
¿Cuál sería la cuota fija mensual si Ana no tomara el beneficio de periodo de gracia? RESPUE
$1,822.355

Desembolso $ 70,000,000
Tasa 12% E.A 11.4%
cuota 4 años 48
Cuota Fija
Amortizacion Mensual
Periodo de gracia 0.5 años 6

PERIODO DE GRACIA
Periodo Saldo Inicial Interes Abono a K
0 $ 70,000,000 0 0
1 $ 70,000,000 $ - 0
2 $ 70,000,000 $ - 0
3 $ 70,000,000 $ - 0
4 $ 70,000,000 $ - 0
5 $ 70,000,000 $ - 0
6 $ 70,000,000 $ - 0
7 $ 70,000,000 $ 664,216 $ 1,364,352
8 $ 68,635,648 $ 651,269 $ 1,377,298
9 $ 67,258,351 $ 638,201 $ 1,390,366
10 $ 65,867,984 $ 625,008 $ 1,403,559
11 $ 64,464,425 $ 611,690 $ 1,416,877
12 $ 63,047,547 $ 598,245 $ 1,430,322
13 $ 61,617,226 $ 584,673 $ 1,443,894
14 $ 60,173,332 $ 570,972 $ 1,457,595
15 $ 58,715,737 $ 557,141 $ 1,471,426
16 $ 57,244,311 $ 543,179 $ 1,485,388
17 $ 55,758,924 $ 529,085 $ 1,499,482
18 $ 54,259,441 $ 514,857 $ 1,513,710
19 $ 52,745,731 $ 500,493 $ 1,528,074
20 $ 51,217,657 $ 485,994 $ 1,542,573
21 $ 49,675,084 $ 471,357 $ 1,557,210
22 $ 48,117,873 $ 456,581 $ 1,571,987
23 $ 46,545,887 $ 441,664 $ 1,586,903
24 $ 44,958,984 $ 426,606 $ 1,601,961
25 $ 43,357,024 $ 411,406 $ 1,617,161
26 $ 41,739,862 $ 396,061 $ 1,632,506
27 $ 40,107,356 $ 380,570 $ 1,647,997
28 $ 38,459,360 $ 364,933 $ 1,663,634
29 $ 36,795,725 $ 349,147 $ 1,679,420
30 $ 35,116,305 $ 333,211 $ 1,695,356
31 $ 33,420,950 $ 317,124 $ 1,711,443
32 $ 31,709,507 $ 300,885 $ 1,727,682
33 $ 29,981,825 $ 284,491 $ 1,744,076
34 $ 28,237,749 $ 267,942 $ 1,760,625
35 $ 26,477,124 $ 251,236 $ 1,777,331
36 $ 24,699,793 $ 234,371 $ 1,794,196
37 $ 22,905,597 $ 217,346 $ 1,811,221
38 $ 21,094,377 $ 200,160 $ 1,828,407
39 $ 19,265,970 $ 182,811 $ 1,845,756
40 $ 17,420,214 $ 165,297 $ 1,863,270
41 $ 15,556,943 $ 147,617 $ 1,880,950
42 $ 13,675,993 $ 129,769 $ 1,898,798
43 $ 11,777,195 $ 111,751 $ 1,916,816
44 $ 9,860,379 $ 93,563 $ 1,935,004
45 $ 7,925,375 $ 75,202 $ 1,953,365
46 $ 5,972,010 $ 56,667 $ 1,971,900
47 $ 4,000,110 $ 37,956 $ 1,990,611
48 $ 2,009,499 $ 19,068 $ 2,009,499
$ 15,199,816 $ 70,000,000

8. Antonio es dueño de un local comercial en la ciudad de Bogotá, tiene un crédito de capital de trabajo a 24 meses con
variable, con el banco Americano por $120.000.000, lo desembolsó el 01 de enero de 2020, pagando su primera y segunda
luego por la emergencia social y sanitaria debió cerrar su local comercial, como consecuencia le solicitó al banco 5 meses de
la amortización con las condiciones de pago de Antonio.

Desembolso $ 120,000,000
Tasa 7.00% E.A 6.8%
Plazo 2 años 24
Cuota Fija
Amortizacion Bimestral
Periodo Muerto 0.41 años 5
periodo Saldo inicial Intereses Abono a K
0 $ 120,000,000 0 0
1 $ 120,000,000 $ 678,497.45 $ 5,000,000
2 $ 115,000,000 $ 650,227 $ 5,000,000
3 $ 110,000,000 $ 621,956 $ -
4 $ 110,621,956 $ 625,473 $ -
5 $ 111,247,429 $ 629,009 $ -
6 $ 111,876,438 $ 632,566 $ -
7 $ 112,509,003 $ 636,142 $ -
8 $ 113,145,146 $ 639,739 $ 6,655,597
9 $ 106,489,549 $ 602,107 $ 6,655,597
10 $ 99,833,952 $ 564,476 $ 6,655,597
11 $ 93,178,355 $ 526,844 $ 6,655,597
12 $ 86,522,758 $ 489,212 $ 6,655,597
13 $ 79,867,162 $ 451,581 $ 6,655,597
14 $ 73,211,565 $ 413,949 $ 6,655,597
15 $ 66,555,968 $ 376,317 $ 6,655,597
16 $ 59,900,371 $ 338,685 $ 6,655,597
17 $ 53,244,774 $ 301,054 $ 6,655,597
18 $ 46,589,178 $ 263,422 $ 6,655,597
19 $ 39,933,581 $ 225,790 $ 6,655,597
20 $ 33,277,984 $ 188,159 $ 6,655,597
21 $ 26,622,387 $ 150,527 $ 6,655,597
22 $ 19,966,790 $ 112,895 $ 6,655,597
23 $ 13,311,194 $ 75,263 $ 6,655,597
24 $ 6,655,597 $ 37,632 $ 6,655,597
nsual si Ana no tomara el beneficio de periodo de gracia?
• tasa del 12% E.A
• Plazo 4 años

• tasa del 12% E.A


• Plazo 4 años
• Amortización mensual
Periodo de gracia de 6 meses
• Cuota fija mensual
urante la amortización de la deuda? RESPUESTA: El valor de la cuota es de
$1.666.667
periodo de amortización? RESPUESTA: Debera pagar intereses de $15,1999,816
ra el beneficio de periodo de gracia? RESPUESTA: La cuota fija mensual es de
$1,822.355

Nominal Mensual 0.95% Mensual


meses

meses

ACIA
Cuota Saldo Final
0 $ 70,000,000
$ - $ 70,000,000
$ - $ 70,000,000
$ - $ 70,000,000
$ - $ 70,000,000
$ - $ 70,000,000
$ - $ 70,000,000
$ 2,028,567 $ 68,635,648
$ 2,028,567 $ 67,258,351
$ 2,028,567 $ 65,867,984
$ 2,028,567 $ 64,464,425
$ 2,028,567 $ 63,047,547
$ 2,028,567 $ 61,617,226
$ 2,028,567 $ 60,173,332
$ 2,028,567 $ 58,715,737
$ 2,028,567 $ 57,244,311
$ 2,028,567 $ 55,758,924
$ 2,028,567 $ 54,259,441
$ 2,028,567 $ 52,745,731
$ 2,028,567 $ 51,217,657
$ 2,028,567 $ 49,675,084
$ 2,028,567 $ 48,117,873
$ 2,028,567 $ 46,545,887
$ 2,028,567 $ 44,958,984
$ 2,028,567 $ 43,357,024
$ 2,028,567 $ 41,739,862
$ 2,028,567 $ 40,107,356
$ 2,028,567 $ 38,459,360
$ 2,028,567 $ 36,795,725
$ 2,028,567 $ 35,116,305
$ 2,028,567 $ 33,420,950
$ 2,028,567 $ 31,709,507
$ 2,028,567 $ 29,981,825
$ 2,028,567 $ 28,237,749
$ 2,028,567 $ 26,477,124
$ 2,028,567 $ 24,699,793
$ 2,028,567 $ 22,905,597
$ 2,028,567 $ 21,094,377
$ 2,028,567 $ 19,265,970
$ 2,028,567 $ 17,420,214
$ 2,028,567 $ 15,556,943
$ 2,028,567 $ 13,675,993
$ 2,028,567 $ 11,777,195
$ 2,028,567 $ 9,860,379
$ 2,028,567 $ 7,925,375
$ 2,028,567 $ 5,972,010
$ 2,028,567 $ 4,000,110
$ 2,028,567 $ 2,009,499
$ 2,028,567 -$ 0

crédito de capital de trabajo a 24 meses con una tasa del 7% E.A y abono a capital fijo cuota
ero de 2020, pagando su primera y segunda cuota en febrero/21 y marzo/21 respectivamente,
consecuencia le solicitó al banco 5 meses de periodo muerto y luego retomó los pagos. Elabore
as condiciones de pago de Antonio.

Nominal Bimestral 0.57% Bimestral


Mensual

Mensual
Cuota Saldo final
0 $ 120,000,000
$ 5,678,497.45 $ 115,000,000
$ 5,650,226.72 $ 110,000,000
$ - $ 110,621,956
$ - $ 111,247,429
$ - $ 111,876,438
$ - $ 112,509,003
$ - $ 113,145,146
$ 7,295,336 $ 106,489,549
$ 7,257,704 $ 99,833,952
$ 7,220,072 $ 93,178,355
$ 7,182,441 $ 86,522,758
$ 7,144,809 $ 79,867,162
$ 7,107,177 $ 73,211,565
$ 7,069,546 $ 66,555,968
$ 7,031,914 $ 59,900,371
$ 6,994,282 $ 53,244,774
$ 6,956,650 $ 46,589,178
$ 6,919,019 $ 39,933,581
$ 6,881,387 $ 33,277,984
$ 6,843,755 $ 26,622,387
$ 6,806,124 $ 19,966,790
$ 6,768,492 $ 13,311,194
$ 6,730,860 $ 6,655,597
$ 6,693,229 -$ 0
Desembolso: $ 70,000,000
Tasa 12.00% E.A 11.39% N.M
Plazo: 4 Años 48 Meses
Cuota Fija
Amortizacion Mesual

AMORTIZACION REGULAR CON CUOTA FIJA


periodo saldo inicial Intereses Abono a k Cuota
0 $ 70,000,000 0 0 0
1 $ 70,000,000 $ 664,216 $ 1,158,140 $ 1,822,355
2 $ 68,841,860 $ 653,226 $ 1,169,129 $ 1,822,355
3 $ 67,672,731 $ 642,133 $ 1,180,223 $ 1,822,355
4 $ 66,492,509 $ 630,934 $ 1,191,421 $ 1,822,355
5 $ 65,301,087 $ 619,628 $ 1,202,727 $ 1,822,355
6 $ 64,098,361 $ 608,216 $ 1,214,139 $ 1,822,355
7 $ 62,884,222 $ 596,695 $ 1,225,660 $ 1,822,355
8 $ 61,658,562 $ 585,065 $ 1,237,290 $ 1,822,355
9 $ 60,421,272 $ 573,325 $ 1,249,030 $ 1,822,355
10 $ 59,172,242 $ 561,473 $ 1,260,882 $ 1,822,355
11 $ 57,911,360 $ 549,509 $ 1,272,846 $ 1,822,355
12 $ 56,638,513 $ 537,431 $ 1,284,924 $ 1,822,355
13 $ 55,353,589 $ 525,239 $ 1,297,116 $ 1,822,355
14 $ 54,056,473 $ 512,931 $ 1,309,424 $ 1,822,355
15 $ 52,747,049 $ 500,506 $ 1,321,849 $ 1,822,355
16 $ 51,425,199 $ 487,963 $ 1,334,392 $ 1,822,355
17 $ 50,090,807 $ 475,301 $ 1,347,054 $ 1,822,355
18 $ 48,743,753 $ 462,519 $ 1,359,836 $ 1,822,355
19 $ 47,383,918 $ 449,616 $ 1,372,739 $ 1,822,355
20 $ 46,011,179 $ 436,591 $ 1,385,765 $ 1,822,355
21 $ 44,625,414 $ 423,441 $ 1,398,914 $ 1,822,355
22 $ 43,226,500 $ 410,167 $ 1,412,188 $ 1,822,355
23 $ 41,814,312 $ 396,767 $ 1,425,588 $ 1,822,355
24 $ 40,388,725 $ 383,240 $ 1,439,115 $ 1,822,355
25 $ 38,949,610 $ 369,585 $ 1,452,770 $ 1,822,355
26 $ 37,496,839 $ 355,800 $ 1,466,555 $ 1,822,355
27 $ 36,030,284 $ 341,884 $ 1,480,471 $ 1,822,355
28 $ 34,549,813 $ 327,836 $ 1,494,519 $ 1,822,355
29 $ 33,055,294 $ 313,655 $ 1,508,700 $ 1,822,355
30 $ 31,546,593 $ 299,339 $ 1,523,016 $ 1,822,355
31 $ 30,023,577 $ 284,888 $ 1,537,468 $ 1,822,355
32 $ 28,486,110 $ 270,299 $ 1,552,056 $ 1,822,355
33 $ 26,934,053 $ 255,572 $ 1,566,783 $ 1,822,355
34 $ 25,367,270 $ 240,705 $ 1,581,650 $ 1,822,355
35 $ 23,785,619 $ 225,697 $ 1,596,658 $ 1,822,355
36 $ 22,188,961 $ 210,546 $ 1,611,809 $ 1,822,355
37 $ 20,577,152 $ 195,252 $ 1,627,103 $ 1,822,355
38 $ 18,950,049 $ 179,813 $ 1,642,542 $ 1,822,355
39 $ 17,307,507 $ 164,227 $ 1,658,128 $ 1,822,355
40 $ 15,649,380 $ 148,494 $ 1,673,861 $ 1,822,355
41 $ 13,975,518 $ 132,611 $ 1,689,744 $ 1,822,355
42 $ 12,285,774 $ 116,577 $ 1,705,778 $ 1,822,355
43 $ 10,579,996 $ 100,391 $ 1,721,964 $ 1,822,355
44 $ 8,858,032 $ 84,052 $ 1,738,303 $ 1,822,355
45 $ 7,119,729 $ 67,558 $ 1,754,798 $ 1,822,355
46 $ 5,364,931 $ 50,907 $ 1,771,448 $ 1,822,355
47 $ 3,593,483 $ 34,098 $ 1,788,257 $ 1,822,355
48 $ 1,805,226 $ 17,129 $ 1,805,226 $ 1,822,355
$ 70,000,000
0.95% Mensual

Saldo Final
$ 70,000,000
$ 68,841,860
$ 67,672,731
$ 66,492,509
$ 65,301,087
$ 64,098,361
$ 62,884,222
$ 61,658,562
$ 60,421,272
$ 59,172,242
$ 57,911,360
$ 56,638,513
$ 55,353,589
$ 54,056,473
$ 52,747,049
$ 51,425,199
$ 50,090,807
$ 48,743,753
$ 47,383,918
$ 46,011,179
$ 44,625,414
$ 43,226,500
$ 41,814,312
$ 40,388,725
$ 38,949,610
$ 37,496,839
$ 36,030,284
$ 34,549,813
$ 33,055,294
$ 31,546,593
$ 30,023,577
$ 28,486,110
$ 26,934,053
$ 25,367,270
$ 23,785,619
$ 22,188,961
$ 20,577,152
$ 18,950,049
$ 17,307,507
$ 15,649,380
$ 13,975,518
$ 12,285,774
$ 10,579,996
$ 8,858,032
$ 7,119,729
$ 5,364,931
$ 3,593,483
$ 1,805,226
-$ 0

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