TABLA DE AMORTIZACION BANCO POP

VALOR DEL PRESTAMO

EFA
PLAZO
VALOR DE LA CUOTA
PERIODO DE GRACIA

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

TASA NOMINAL

8.649%
8.65%

TASA PERIODICA
0.72%
0.72%

Interes

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

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
$ 4,941,195.89

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

TOTAL

$ 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

ON BANCO POPULAR
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
$ 661,089.40

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
$ 4,280,106.50

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

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

$ 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

$ 4,310,954.61
$ 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

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

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 AMORTIZACION BANCO DE BOGOTA

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

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

TASA NOMINAL

10.48%
10.48%

TASA PERIODICA
0.87%
Interes

0.87%

Periodo

Valor Cuota

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

$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
$ 5,893,346.95

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

$ 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

Totales

$ 318,240,735

CION BANCO DE BOGOTA

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
853,962

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
$ 5,039,385

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

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

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

$ 5,083,402
$ 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

78,240,680

$ 240,000,000

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

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 AMORTIZACION BANCOLOMBI

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

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

TASA NOMINAL

2.12%
2.12%

TASA PERIODICA
0.18%
Interes

0.18%

Periodo

Valor Cuota

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

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

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

$ 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

Totales

$ 251,837,802

ON BANCOLOMBIA
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
169,649
161,712

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
$ 4,494,014
$ 4,501,951

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
91,565,752.78
87,063,801.97

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

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

$ 4,509,902
$ 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

14,380,911

$ 240,000,000

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

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

PLAZO

TASA E.A.

PERIODOS DE
GRACIA

PERIODOS
MUERTOS

BANCO POPULAR

60

9%

No

BANCO DE BOGOTA

60

11%

Si

BANCOLOMBIA

60

2.14%

Si

ENTIDAD FINANCIERA

COSTOS
ADICIONALES

GARANTIAS

Por ser un prestamo de libre

inversin las garantias son: los
$
activos de la empresa y los bienes
del Representante Legal

318,179.84

Por ser un prestamo de libre

inversin las garantias son: los
$
activos de la empresa y los bienes
del Representante Legal

283,000.00

295,000.00

FNG 2.30% Por para una Pyme

TABLA DE COMPARACIN ENTRE LAS ENTIDADES FINANCIERAS

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

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

La opcion seleccionada es la de Bancolombia.

N ENTRE LAS ENTIDADES FINANCIERAS

$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.

$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

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

cionada es la de Bancolombia.