Documente Academic
Documente Profesional
Documente Cultură
AGROFRUT LTDA.
ALUMNOS.
CARLOS AUGUSTO ENDO
RAFAEL CALDERN VELA
JONATN ALFONSO RODRGUEZ
DOCENTE:
DIEGO ALEXANDER GARCA
UNIVERSIDAD DE LA AMAZONIA
FACULTAD DE CIENCIAS CONTABLES, ECONMICAS Y
ADMINISTRATIVAS
PROGRAMA: CONTADURA PUBLICA
REA: FINANZAS II
Ao - 2013
AMORTIZACIN FINANCIERA
AGROFRUT LTDA.
80.000.000
Plazo:
10 aos.
Inters anual:
Periodo de gracia:
Garantas:
Hipotecaria.
Amortizacin:
BANCO
Occidente
Popular
Bogot
Bancolombia
TARIFA
ANUAL
2,04%
1,82%
1,75%
1,84%
FORMULA GENERAL:
R=P
i (1 + i) n
(1 + i ) n - 1
0.0204 (1 + 0.0204)
R=P
(1 + 0.0204) 9 - 1
0.02446607
R=P
0.199317164
= 0.122749438 * 100
= 12.2749438 %
= 80.000.000 * 12.2749438 %
= 9.819.955,0659 Cuota fija anual
= 9.819.955 - 1.632.000
= 8.189.955 Capital
= 80.000.000 - 8.189.955
= 71.810.045 Saldo
CUOTA FIJA
1
2
3
4
5
6
7
8
9
10
0
9.819.955,0695
9.819.955,0695
9.819.955,0695
9.819.955,0695
9.819.955,0695
9.819.955,0695
9.819.955,0695
9.819.955,0695
9.819.955,0695
CAPITAL
0
8.187.955
8.354.989
8.525.431
8.699.350
8.876.817
9.057.904
9.242.685
9.431.236
9.623.633
INTERES
0
1.632.000
1.464.966
1.294.524
1.120.605
943.138
762.051
577.270
388.719
196.322
SALDO
80.000.000
71.812.045
63.457.056
54.931.624
46.232.275
37.355.458
28.297.554
19.054.869
9.623.633
0
R=P
0.0182 (1 + 0.0182)
(1 + 0.0182) 9 - 1
R=P
0.021407661
0.176245119
= 0.12146527
= 12.146527 %
= 80.000.000 * 12.146527 %
= 9.717.221,6 Cuota fija
= 9.717.222.6 - 1.456.000
= 8.261.221,6 Capital
= 80.000.000 - 8.261.221,6
= 71.738.778 Saldo
CUOTA FIJA
0
9.717.221,64
9.717.221,64
9.717.221,64
9.717.221,64
9.717.221,64
9.717.221,64
9.717.221,64
9.717.221,64
9.717.221,64
CAPITAL
INTERES
SALDO
0
8.261.222
8.411.576
8.564.667
8.720.543
8.879.257
9.040.860
9.205.404
9.372.942
9.543.529
0
1.456.000
1.305.646
1.152.555
996.678
837.964
676.362
511.818
344.280
173.692
80.000.000
71.738.778
63.327.202
54.762.536
46.041.992
37.162.735
28.121.875
18.916.472
9.543.530
0
0.0175 (1 + 0.0175)
R=P
(1 + 0.0175) 9 - 1
0.020457276
R=P
0.168987214
= 0.121058129
= 12.1058129 %
= 80.000.000 * 12.1058129 %
= 9.684.650,32 Cuota fija
= 9.684.650,32 - 1.400.000
= 8.284.650,32 Capital
= 80.000.000 - 8.284.650,32
= 71.715.349,32 Saldo
CUOTA FIJA
0
9.684.650,40
9.684.650,40
9.684.650,40
9.684.650,40
9.684.650,40
9.684.650,40
9.684.650,40
9.684.650,40
9.684.650,40
CAPITAL
0
8.284.650
8.429.632
8.577.150
8.727.250
8.879.977
9.035.377
9.193.496
9.354.382
9.518.084
INTERES
0
1.400.000
1.255.019
1.107.500
957.400
804.673
649.273
491.154
330.268
166.566
SALDO
80.000.000
71.715.350
63.285.718
54.708.567
45.981.317
37.101.340
28.065.963
18.872.467
9.518.084
0
R=P
0.0184 (1 + 0.0184)
(1 + 0.0184) 9 - 1
R=P
0.021681201
0.178326149
= 0.121581726
= 12.1581726 %
= 80.000.000 * 12.1581726 %
= 9.726.538,08 Cuota fija
= 9.726.538,08 - 1.472.000
= 8.254.538,08 Capital
= 80.000.000 - 8.254.538,08
= 71.745.461,92 Saldo
CUOTA FIJA
0
9.726.538,08
9.726.538,08
9.726.538,08
9.726.538,08
9.726.538,08
9.726.538,08
9.726.538,08
9.726.538,08
9.726.538,08
CAPITAL
0
8.254.538
8.406.422
8.561.100
8.718.624
8.879.047
9.042.421
9.208.802
9.378.244
9.550.803
INTERES
0
1.472.000
1.320.116
1.165.438
1.007.914
847.491
684.117
517.736
348.294
175.735
SALDO
80.000.000
71.745.462
63.339.040
54.777.941
46.059.317
37.180.270
28.137.849
18.929.047
9.550.804
0
Anlisis financiero:
BANCO
Occidente
9.819.955
Popular
9.717.221
Bogot
9.684.650
Bancolombia 9.726.538