Anualidades Anticipadas

Valor del Prstamo

Plazo
Cuotas
tasa

Pago
Pago mensual anticipado
Tasa
Plazo
Valor Presente

5,000,000
1 Ao
12 mensuales
1.50% mensual

$ 458,399.96
$

500,000.00
1% mensual
24 meses
$ 10,727,910.57

Valor del Prstamo

Plazo
Cuotas
tasa

Cuota anticipada

das
$

5,000,000
1 Ao
12 mensuales ANTICIPADA
1.50% mensual

$ 451,625.58

Una maquina tiene un valor de contado de $225.000.000 y se puede adquirir financiad

Opcin 1) tres aos incluyendo pago diferido de 7 meses
Opcin 2) tres aos incluyendo tiempo muerto de 7 meses
Calcular el valor de las cuotas que faltan por pagar, la tasa de financiacin es del 19,52,% EA.

PAGO DIFERIDO perodo de gracia

VALOR CONTADO

225,000,000

ci

67,500,000

Presente

157,500,000
19.52% EA

Tasa

1.497% mensual

ANUALIDAD DIFERIDA
Presente

Cuotas

29

Tasa
Pago

174,764,908

1.497%
$

7,473,187

puede adquirir financiado de la siguiente forma: 30 % de cuota inicial y el resto financiado a:

n es del 19,52,% EA.

TIEMPO MUERTO

Presente

225,000,000

ci

67,500,000

Presente

157,500,000
19.52% EA

Tasa

1.497% mensual

ANUALIDAD TM
Presente

Cuotas

29

Tasa
Pago

157,500,000

1.497%
$

6,734,916

16,504,879

sto financiado a:

7.00
$

2,357,840

Tabla de Amortizacin Cuota Fija

Credito
Tasa
Plazo
Tasa
Plazo

Perodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

150,000,000
22.10% EA
3 aos
1.68%
36

Capital
$ 3,068,031.256
$ 3,119,507.866
$ 3,171,848.171
$ 3,225,066.661
$ 3,279,178.071
$ 3,334,197.384
$ 3,390,139.832
$ 3,447,020.903
$ 3,504,856.348
$ 3,563,662.177
$ 3,623,454.674
$ 3,684,250.392
$ 3,746,066.164
$ 3,808,919.105
$ 3,872,826.616
$ 3,937,806.393
$ 4,003,876.425
$ 4,071,055.006
$ 4,139,360.734
$ 4,208,812.523
$ 4,279,429.601

Inters
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,516,757.770
2,465,281.160
2,412,940.855
2,359,722.365
2,305,610.954
2,250,591.642
2,194,649.194
2,137,768.122
2,079,932.678
2,021,126.848
1,961,334.352
1,900,538.634
1,838,722.862
1,775,869.921
1,711,962.409
1,646,982.633
1,580,912.601
1,513,734.020
1,445,428.291
1,375,976.503
1,305,359.425

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

$ 4,351,231.519
$ 4,424,238.157
$ 4,498,469.728
$ 4,573,946.786
$ 4,650,690.227
$ 4,728,721.298
$ 4,808,061.606
$ 4,888,733.115
$ 4,970,758.162
$ 5,054,159.457
$ 5,138,960.091
$ 5,225,183.542
$ 5,312,853.684
$ 5,401,994.789
$ 5,492,631.538

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

1,233,557.507
1,160,550.869
1,086,319.297
1,010,842.240
934,098.799
856,067.727
776,727.420
696,055.911
614,030.864
530,629.569
445,828.935
359,605.483
271,935.342
182,794.236
92,157.487

e Amortizacin Cuota Fija

HALLAR CUOTA MENSUAL

$ 5,584,789.03

Cuota
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03

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

Saldo
150,000,000
146,931,968.744
143,812,460.878
140,640,612.707
137,415,546.046
134,136,367.975
130,802,170.591
127,412,030.759
123,965,009.856
120,460,153.508
116,896,491.331
113,273,036.657
109,588,786.265
105,842,720.102
102,033,800.997
98,160,974.381
94,223,167.988
90,219,291.563
86,148,236.557
82,008,875.823
77,800,063.300
73,520,633.699

$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03
$ 5,584,789.03

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

69,169,402.180
64,745,164.024
60,246,694.295
55,672,747.509
51,022,057.283
46,293,335.984
41,485,274.378
36,596,541.264
31,625,783.102
26,571,623.645
21,432,663.554
16,207,480.012
10,894,626.328
5,492,631.538
0.000

Tabla de Amortizacin Cuota Fija

Credito
Tasa
Plazo
Tasa

Perodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

45,000,000
DTF + 10
2
24
13.57%
14.05%
14.80%
13.89%
1.16%
Capital
$ 1,637,444.37
$ 1,656,391.30
$ 1,675,557.46
$ 1,694,945.40
$ 1,714,557.67
$ 1,734,396.88
$ 1,754,465.64
$ 1,774,766.63
$ 1,795,302.51
$ 1,816,076.02
$ 1,837,089.90
$ 1,858,346.93
$ 1,879,849.93
$ 1,901,601.74
$ 1,923,605.24
$ 1,945,863.35
$ 1,968,379.00
$ 1,991,155.18
$ 2,014,194.91

aos
meses
TA
TV
EA
MV
Mensual
Inters
$ 520,696.58
$ 501,749.65
$ 482,583.49
$ 463,195.56
$ 443,583.29
$ 423,744.08
$ 403,675.31
$ 383,374.33
$ 362,838.44
$ 342,064.93
$ 321,051.05
$ 299,794.02
$ 278,291.02
$ 256,539.21
$ 234,535.71
$ 212,277.61
$ 189,761.96
$ 166,985.77
$ 143,946.05

Cuota
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96

20
21
22
23
24

$ 2,037,501.23
$ 2,061,077.23
$ 2,084,926.02
$ 2,109,050.78
$ 2,133,454.68

$ 120,639.73
$ 97,063.73
$ 73,214.93
$ 49,090.18
$ 24,686.28

$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96
$ 2,158,140.96

acin Cuota Fija

Hoy DTF

3.57%
HALLAR CUOTA MENSUAL

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

Saldo
45,000,000
43,362,555.63
41,706,164.33
40,030,606.86
38,335,661.47
36,621,103.80
34,886,706.92
33,132,241.28
31,357,474.65
29,562,172.14
27,746,096.11
25,909,006.21
24,050,659.28
22,170,809.35
20,269,207.60
18,345,602.36
16,399,739.02
14,431,360.02
12,440,204.84
10,426,009.93

TA

$
$
$
$
$

8,388,508.70
6,327,431.47
4,242,505.45
2,133,454.68
0.00

8000000

7000000

6000000

5000000

Capital

4000000

Inters

3000000

2000000

1000000

0
1

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

Hacer la Tabla de amortizacin, con cuota mensual credi

Credito
Tasa
Plazo
Opcion de compra

150,000,000
22.50%
EA
2
aos
10%

Tasa
Plazo

1.71%
24

Perodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

Capital
$ 4,599,249.44
$ 4,677,692.16
$ 4,757,472.78
$ 4,838,614.09
$ 4,921,139.32
$ 5,005,072.05
$ 5,090,436.31
$ 5,177,256.50
$ 5,265,557.46
$ 5,355,364.44
$ 5,446,703.12
$ 5,539,599.64
$ 5,634,080.56
$ 5,730,172.90
$ 5,827,904.15
$ 5,927,302.26
$ 6,028,395.66
$ 6,131,213.27

Inters
$ 2,558,332.50
$ 2,479,889.77
$ 2,400,109.16
$ 2,318,967.84
$ 2,236,442.62
$ 2,152,509.88
$ 2,067,145.62
$ 1,980,325.43
$ 1,892,024.48
$ 1,802,217.50
$ 1,710,878.81
$ 1,617,982.29
$ 1,523,501.38
$ 1,427,409.03
$ 1,329,677.78
$ 1,230,279.67
$ 1,129,186.27
$ 1,026,368.67

19
20
21
22
23
24

$ 6,235,784.48
$ 6,342,139.21
$ 6,450,307.89
$ 6,560,321.43
$ 6,672,211.32
$ 6,786,009.56

$ 921,797.45
$ 815,442.72
$ 707,274.05
$ 597,260.50
$ 485,370.61
$ 371,572.38

zacin, con cuota mensual credito leasing

Sin Leasing

$ 7,668,609.65

Con leasing

$ 7,157,581.93

Cuota
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93

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

Saldo
150,000,000
145,400,750.56
140,723,058.40
135,965,585.62
131,126,971.53
126,205,832.22
121,200,760.16
116,110,323.85
110,933,067.35
105,667,509.90
100,312,145.46
94,865,442.34
89,325,842.70
83,691,762.14
77,961,589.24
72,133,685.09
66,206,382.82
60,177,987.16
54,046,773.90

$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93
$ 7,157,581.93

$
$
$
$
$
$

47,810,989.42
41,468,850.20
35,018,542.32
28,458,220.88
21,786,009.56
15,000,000.00

34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51

52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117

118
119
120

Credito
Tasa
Plazo
Opcion de compra

150,000,000
22.50%
10
30%

Tasa
Plazo

Perodo

1.71%
120

Capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

$ 270,944.87
$ 275,565.98
$ 280,265.91
$ 285,046.00
$ 289,907.62
$ 294,852.15
$ 299,881.02
$ 304,995.66
$ 310,197.52
$ 315,488.11
$ 320,868.94
$ 326,341.53
$ 331,907.47
$ 337,568.33
$ 343,325.74
$ 349,181.35
$ 355,136.83
$ 361,193.89

Inters
$ 2,558,332.50
$ 2,553,711.38
$ 2,549,011.46
$ 2,544,231.37
$ 2,539,369.75
$ 2,534,425.22
$ 2,529,396.35
$ 2,524,281.71
$ 2,519,079.85
$ 2,513,789.26
$ 2,508,408.43
$ 2,502,935.84
$ 2,497,369.90
$ 2,491,709.04
$ 2,485,951.62
$ 2,480,096.02
$ 2,474,140.54
$ 2,468,083.48

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
49
50
51

$ 367,354.25
$ 373,619.68
$ 379,991.97
$ 386,472.94
$ 393,064.45
$ 399,768.38
$ 406,586.65
$ 413,521.21
$ 420,574.04
$ 427,747.16
$ 435,042.62
$ 442,462.51
$ 450,008.95
$ 457,684.10
$ 465,490.16
$ 473,429.35
$ 481,503.95
$ 489,716.26
$ 498,068.64
$ 506,563.48
$ 515,203.20
$ 523,990.27
$ 532,927.21
$ 542,016.58
$ 551,260.97
$ 560,663.03
$ 570,225.44
$ 579,950.95
$ 589,842.34
$ 599,902.42
$ 610,134.09
$ 620,540.26
$ 631,123.91

$ 2,461,923.12
$ 2,455,657.69
$ 2,449,285.40
$ 2,442,804.43
$ 2,436,212.92
$ 2,429,508.99
$ 2,422,690.72
$ 2,415,756.16
$ 2,408,703.33
$ 2,401,530.21
$ 2,394,234.75
$ 2,386,814.86
$ 2,379,268.41
$ 2,371,593.26
$ 2,363,787.21
$ 2,355,848.02
$ 2,347,773.42
$ 2,339,561.11
$ 2,331,208.73
$ 2,322,713.89
$ 2,314,074.17
$ 2,305,287.10
$ 2,296,350.16
$ 2,287,260.79
$ 2,278,016.40
$ 2,268,614.34
$ 2,259,051.92
$ 2,249,326.42
$ 2,239,435.03
$ 2,229,374.95
$ 2,219,143.28
$ 2,208,737.11
$ 2,198,153.45

52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84

$ 641,888.08
$ 652,835.83
$ 663,970.31
$ 675,294.69
$ 686,812.21
$ 698,526.17
$ 710,439.92
$ 722,556.86
$ 734,880.47
$ 747,414.26
$ 760,161.82
$ 773,126.80
$ 786,312.90
$ 799,723.90
$ 813,363.63
$ 827,235.99
$ 841,344.96
$ 855,694.56
$ 870,288.90
$ 885,132.16
$ 900,228.57
$ 915,582.46
$ 931,198.23
$ 947,080.32
$ 963,233.30
$ 979,661.77
$ 996,370.44
$ 1,013,364.09
$ 1,030,647.57
$ 1,048,225.83
$ 1,066,103.90
$ 1,084,286.89
$ 1,102,780.00

$ 2,187,389.29
$ 2,176,441.53
$ 2,165,307.06
$ 2,153,982.68
$ 2,142,465.16
$ 2,130,751.20
$ 2,118,837.45
$ 2,106,720.51
$ 2,094,396.90
$ 2,081,863.11
$ 2,069,115.55
$ 2,056,150.57
$ 2,042,964.47
$ 2,029,553.47
$ 2,015,913.74
$ 2,002,041.38
$ 1,987,932.41
$ 1,973,582.81
$ 1,958,988.47
$ 1,944,145.21
$ 1,929,048.80
$ 1,913,694.90
$ 1,898,079.14
$ 1,882,197.04
$ 1,866,044.07
$ 1,849,615.59
$ 1,832,906.92
$ 1,815,913.28
$ 1,798,629.80
$ 1,781,051.54
$ 1,763,173.47
$ 1,744,990.48
$ 1,726,497.37

85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117

$ 1,121,588.52
$ 1,140,717.83
$ 1,160,173.40
$ 1,179,960.79
$ 1,200,085.67
$ 1,220,553.79
$ 1,241,371.01
$ 1,262,543.28
$ 1,284,076.65
$ 1,305,977.28
$ 1,328,251.44
$ 1,350,905.50
$ 1,373,945.94
$ 1,397,379.34
$ 1,421,212.41
$ 1,445,451.97
$ 1,470,104.95
$ 1,495,178.40
$ 1,520,679.49
$ 1,546,615.51
$ 1,572,993.89
$ 1,599,822.17
$ 1,627,108.01
$ 1,654,859.24
$ 1,683,083.77
$ 1,711,789.69
$ 1,740,985.21
$ 1,770,678.67
$ 1,800,878.56
$ 1,831,593.54
$ 1,862,832.37
$ 1,894,604.00
$ 1,926,917.52

$ 1,707,688.85
$ 1,688,559.54
$ 1,669,103.97
$ 1,649,316.58
$ 1,629,191.70
$ 1,608,723.57
$ 1,587,906.36
$ 1,566,734.09
$ 1,545,200.72
$ 1,523,300.09
$ 1,501,025.93
$ 1,478,371.87
$ 1,455,331.43
$ 1,431,898.03
$ 1,408,064.96
$ 1,383,825.40
$ 1,359,172.42
$ 1,334,098.97
$ 1,308,597.88
$ 1,282,661.86
$ 1,256,283.48
$ 1,229,455.20
$ 1,202,169.35
$ 1,174,418.13
$ 1,146,193.60
$ 1,117,487.68
$ 1,088,292.16
$ 1,058,598.70
$ 1,028,398.81
$ 997,683.83
$ 966,445.00
$ 934,673.37
$ 902,359.85

118
119
120

$ 1,959,782.16
$ 1,993,207.32
$ 2,027,202.57

$ 869,495.21
$ 836,070.05
$ 802,074.80

EA
aos

3000000

2500000

Cuota
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37

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

Saldo
150,000,000
149,729,055.13
149,453,489.14
149,173,223.23
148,888,177.23
148,598,269.61
148,303,417.45
148,003,536.43
147,698,540.78
147,388,343.25
147,072,855.14
146,751,986.21
146,425,644.67
146,093,737.21
145,756,168.87
145,412,843.13
145,063,661.78
144,708,524.94
144,347,331.05

2000000

1500000

1000000

$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37

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

143,979,976.80
143,606,357.13
143,226,365.16
142,839,892.22
142,446,827.77
142,047,059.40
141,640,472.75
141,226,951.54
140,806,377.51
140,378,630.35
139,943,587.73
139,501,125.21
139,051,116.26
138,593,432.15
138,127,941.99
137,654,512.64
137,173,008.70
136,683,292.43
136,185,223.79
135,678,660.31
135,163,457.12
134,639,466.85
134,106,539.64
133,564,523.06
133,013,262.09
132,452,599.06
131,882,373.61
131,302,422.66
130,712,580.33
130,112,677.90
129,502,543.82
128,882,003.56
128,250,879.64

$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37

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

127,608,991.56
126,956,155.73
126,292,185.42
125,616,890.73
124,930,078.52
124,231,552.35
123,521,112.43
122,798,555.57
122,063,675.11
121,316,260.85
120,556,099.03
119,782,972.23
118,996,659.34
118,196,935.44
117,383,571.81
116,556,335.82
115,714,990.86
114,859,296.30
113,989,007.40
113,103,875.25
112,203,646.68
111,288,064.21
110,356,865.99
109,409,785.66
108,446,552.36
107,466,890.59
106,470,520.14
105,457,156.05
104,426,508.48
103,378,282.64
102,312,178.74
101,227,891.85
100,125,111.85

$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37
$ 2,829,277.37

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

99,003,523.33
97,862,805.50
96,702,632.11
95,522,671.31
94,322,585.64
93,102,031.84
91,860,660.83
90,598,117.56
89,314,040.91
88,008,063.63
86,679,812.19
85,328,906.69
83,954,960.76
82,557,581.42
81,136,369.00
79,690,917.03
78,220,812.08
76,725,633.68
75,204,954.19
73,658,338.68
72,085,344.79
70,485,522.62
68,858,414.61
67,203,555.37
65,520,471.60
63,808,681.91
62,067,696.70
60,297,018.04
58,496,139.47
56,664,545.93
54,801,713.56
52,907,109.56
50,980,192.04

$ 2,829,277.37 $
$ 2,829,277.37 $
$ 2,829,277.37 $

49,020,409.88
47,027,202.57
45,000,000.00

Leasing habitacional
3000000

2500000

2000000

1500000

1000000

500000

1
5
9
13
17
21
25
29
33
37
41
45
49
53
57
61
65
69
73
77
81
85
89
93
97
101
105
109
113
117
121

Capital

Inters

Crdito Hipotecario
Tasa ea
Tasa mensual
Periodo (meses)

25%
1.88%
120

Valor de la deuda
Cuota

$ 120,000.00

Perodo

Capital

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

$ 270.93
$ 276.02
$ 281.20
$ 286.47
$ 291.85
$ 297.33
$ 302.91
$ 308.60
$ 314.39
$ 320.29
$ 326.30
$ 332.42
$ 338.66
$ 345.02
$ 351.50
$ 358.09
$ 364.81
$ 371.66
$ 378.64
$ 385.74
$ 392.98
$ 400.36
$ 407.88
$ 415.53
$ 423.33
$ 431.28
$ 439.37
$ 447.62
$ 456.02
$ 464.58

Inters

Cuota

Saldo

$ 2,252.31
$ 2,247.23
$ 2,242.05
$ 2,236.77
$ 2,231.39
$ 2,225.91
$ 2,220.33
$ 2,214.65
$ 2,208.86
$ 2,202.95
$ 2,196.94
$ 2,190.82
$ 2,184.58
$ 2,178.22
$ 2,171.75
$ 2,165.15
$ 2,158.43
$ 2,151.58
$ 2,144.61
$ 2,137.50
$ 2,130.26
$ 2,122.88
$ 2,115.37
$ 2,107.71
$ 2,099.91
$ 2,091.97
$ 2,083.87
$ 2,075.63
$ 2,067.22
$ 2,058.67

$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24

$ 120,000.00
$ 119,729.07
$ 119,453.05
$ 119,171.86
$ 118,885.38
$ 118,593.53
$ 118,296.20
$ 117,993.29
$ 117,684.69
$ 117,370.31
$ 117,050.02
$ 116,723.72
$ 116,391.29
$ 116,052.63
$ 115,707.61
$ 115,356.11
$ 114,998.02
$ 114,633.20
$ 114,261.54
$ 113,882.90
$ 113,497.16
$ 113,104.17
$ 112,703.81
$ 112,295.94
$ 111,880.41
$ 111,457.08
$ 111,025.80
$ 110,586.43
$ 110,138.82
$ 109,682.80
$ 109,218.22

31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77

$ 473.30
$ 482.18
$ 491.23
$ 500.45
$ 509.84
$ 519.41
$ 529.16
$ 539.09
$ 549.21
$ 559.52
$ 570.02
$ 580.72
$ 591.62
$ 602.73
$ 614.04
$ 625.56
$ 637.30
$ 649.27
$ 661.45
$ 673.87
$ 686.52
$ 699.40
$ 712.53
$ 725.90
$ 739.53
$ 753.41
$ 767.55
$ 781.95
$ 796.63
$ 811.58
$ 826.82
$ 842.33
$ 858.14
$ 874.25
$ 890.66
$ 907.38
$ 924.41
$ 941.76
$ 959.44
$ 977.44
$ 995.79
$ 1,014.48
$ 1,033.52
$ 1,052.92
$ 1,072.68
$ 1,092.81
$ 1,113.33

$ 2,049.95
$ 2,041.06
$ 2,032.01
$ 2,022.79
$ 2,013.40
$ 2,003.83
$ 1,994.08
$ 1,984.15
$ 1,974.03
$ 1,963.72
$ 1,953.22
$ 1,942.52
$ 1,931.62
$ 1,920.52
$ 1,909.20
$ 1,897.68
$ 1,885.94
$ 1,873.98
$ 1,861.79
$ 1,849.37
$ 1,836.73
$ 1,823.84
$ 1,810.71
$ 1,797.34
$ 1,783.72
$ 1,769.84
$ 1,755.69
$ 1,741.29
$ 1,726.61
$ 1,711.66
$ 1,696.43
$ 1,680.91
$ 1,665.10
$ 1,648.99
$ 1,632.58
$ 1,615.87
$ 1,598.83
$ 1,581.48
$ 1,563.81
$ 1,545.80
$ 1,527.45
$ 1,508.76
$ 1,489.72
$ 1,470.32
$ 1,450.56
$ 1,430.43
$ 1,409.92

$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24

$ 108,744.92
$ 108,262.74
$ 107,771.51
$ 107,271.06
$ 106,761.22
$ 106,241.80
$ 105,712.64
$ 105,173.55
$ 104,624.33
$ 104,064.81
$ 103,494.79
$ 102,914.07
$ 102,322.45
$ 101,719.72
$ 101,105.68
$ 100,480.12
$ 99,842.81
$ 99,193.55
$ 98,532.09
$ 97,858.22
$ 97,171.71
$ 96,472.31
$ 95,759.78
$ 95,033.88
$ 94,294.35
$ 93,540.94
$ 92,773.39
$ 91,991.44
$ 91,194.81
$ 90,383.22
$ 89,556.41
$ 88,714.07
$ 87,855.93
$ 86,981.68
$ 86,091.02
$ 85,183.64
$ 84,259.23
$ 83,317.47
$ 82,358.04
$ 81,380.59
$ 80,384.80
$ 79,370.32
$ 78,336.80
$ 77,283.88
$ 76,211.20
$ 75,118.39
$ 74,005.06

78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

$ 1,134.22
$ 1,155.51
$ 1,177.20
$ 1,199.29
$ 1,221.80
$ 1,244.74
$ 1,268.10
$ 1,291.90
$ 1,316.15
$ 1,340.85
$ 1,366.02
$ 1,391.66
$ 1,417.78
$ 1,444.39
$ 1,471.50
$ 1,499.12
$ 1,527.25
$ 1,555.92
$ 1,585.12
$ 1,614.88
$ 1,645.19
$ 1,676.06
$ 1,707.52
$ 1,739.57
$ 1,772.22
$ 1,805.49
$ 1,839.37
$ 1,873.90
$ 1,909.07
$ 1,944.90
$ 1,981.40
$ 2,018.59
$ 2,056.48
$ 2,095.08
$ 2,134.40
$ 2,174.46
$ 2,215.28
$ 2,256.86
$ 2,299.22
$ 2,342.37
$ 2,386.34
$ 2,431.13
$ 2,476.76

$ 1,389.02
$ 1,367.73
$ 1,346.04
$ 1,323.95
$ 1,301.44
$ 1,278.51
$ 1,255.14
$ 1,231.34
$ 1,207.09
$ 1,182.39
$ 1,157.22
$ 1,131.59
$ 1,105.47
$ 1,078.85
$ 1,051.74
$ 1,024.13
$ 995.99
$ 967.32
$ 938.12
$ 908.37
$ 878.06
$ 847.18
$ 815.72
$ 783.67
$ 751.02
$ 717.76
$ 683.87
$ 649.35
$ 614.17
$ 578.34
$ 541.84
$ 504.65
$ 466.76
$ 428.16
$ 388.84
$ 348.78
$ 307.96
$ 266.39
$ 224.03
$ 180.87
$ 136.91
$ 92.12
$ 46.49

$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24
$ 2,523.24

$ 72,870.84
$ 71,715.33
$ 70,538.13
$ 69,338.84
$ 68,117.03
$ 66,872.30
$ 65,604.20
$ 64,312.30
$ 62,996.15
$ 61,655.30
$ 60,289.28
$ 58,897.62
$ 57,479.84
$ 56,035.45
$ 54,563.96
$ 53,064.84
$ 51,537.58
$ 49,981.66
$ 48,396.54
$ 46,781.66
$ 45,136.48
$ 43,460.41
$ 41,752.89
$ 40,013.32
$ 38,241.10
$ 36,435.61
$ 34,596.24
$ 32,722.34
$ 30,813.27
$ 28,868.37
$ 26,886.97
$ 24,868.37
$ 22,811.89
$ 20,716.81
$ 18,582.41
$ 16,407.94
$ 14,192.66
$ 11,935.81
$ 9,636.59
$ 7,294.22
$ 4,907.88
$ 2,476.76
$ 0.00

ipotecario

3000

2500

2000

1500

1000

500

1
4
7
10
13
16
19

19
22
25
28
31
34
37
40
43
46
49
52
55
58
61
64
67
70
73
76
79
82
85
88
91
94
97
100
103
106
109
112
115
118

Crdito Hipotecario

Capital

118
121

Inters

9000000

8000000

7000000

6000000

5000000

Capital
Inters

4000000

3000000

2000000

1000000

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 44 45 46 47 48 49

Tabla de amortizacin con Incremento de cuota

Credito

Tasa
Plazo

250,000,000
22.00% EA
4 aos
1.67%

Perodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23

Capital
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,686,123.229
2,765,322.386
2,846,016.463
2,928,231.296
3,011,993.158
3,097,328.765
3,184,265.283
3,272,830.337
3,363,052.018
3,454,958.890
3,548,580.000
3,643,944.882
3,741,083.572
3,840,026.610
3,940,805.051
4,043,450.472
4,147,994.986
4,254,471.243
4,362,912.446
4,473,352.356
4,585,825.303
4,700,366.196
4,817,010.531

Inters
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

4,177,240.968
4,132,358.632
4,086,152.960
4,038,598.974
3,989,671.263
3,939,343.978
3,887,590.824
3,834,385.050
3,779,699.447
3,723,506.332
3,665,777.549
3,606,484.454
3,545,597.910
3,483,088.280
3,418,925.414
3,353,078.645
3,285,516.777
3,216,208.079
3,145,120.272
3,072,220.526
2,997,475.443
2,920,851.054
2,842,312.805

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

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

4,935,794.403
5,056,754.513
5,179,928.182
5,305,353.357
5,433,068.628
5,563,113.229
5,695,527.060
5,830,350.688
5,967,625.366
6,107,393.039
6,249,696.359
6,394,578.696
6,542,084.149
6,692,257.558
6,845,144.519
7,000,791.395
7,159,245.326
7,320,554.248
7,484,766.901
7,651,932.847
7,822,102.479
7,995,327.038
8,171,658.627
8,351,150.223
8,533,855.696

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

2,761,825.550
2,679,353.539
2,594,860.411
2,508,309.178
2,419,662.220
2,328,881.273
2,235,927.415
2,140,761.059
2,043,341.940
1,943,629.103
1,841,580.894
1,737,154.943
1,630,308.159
1,520,996.711
1,409,176.021
1,294,800.749
1,177,824.778
1,058,201.207
935,882.330
810,819.631
682,963.761
552,264.533
418,670.903
282,130.954
142,591.887

cin con Incremento de cuota

incremento cuota

Cuota
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

6,863,364.197
6,897,681.02
6,932,169.42
6,966,830.27
7,001,664.42
7,036,672.74
7,071,856.11
7,107,215.39
7,142,751.46
7,178,465.22
7,214,357.55
7,250,429.34
7,286,681.48
7,323,114.89
7,359,730.46
7,396,529.12
7,433,511.76
7,470,679.32
7,508,032.72
7,545,572.88
7,583,300.75
7,621,217.25
7,659,323.34

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

Saldo
250,000,000
247,313,877
244,548,554
241,702,538
238,774,307
235,762,313
232,664,985
229,480,719
226,207,889
222,844,837
219,389,878
215,841,298
212,197,353
208,456,270
204,616,243
200,675,438
196,631,988
192,483,993
188,229,521
183,866,609
179,393,257
174,807,431
170,107,065
165,290,055

0.50%

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

7,697,619.95
7,736,108.05
7,774,788.59
7,813,662.54
7,852,730.85
7,891,994.50
7,931,454.47
7,971,111.75
8,010,967.31
8,051,022.14
8,091,277.25
8,131,733.64
8,172,392.31
8,213,254.27
8,254,320.54
8,295,592.14
8,337,070.10
8,378,755.45
8,420,649.23
8,462,752.48
8,505,066.24
8,547,591.57
8,590,329.53
8,633,281.18
8,676,447.58

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

160,354,260
155,297,506
150,117,577
144,812,224
139,379,155
133,816,042
128,120,515
122,290,164
116,322,539
110,215,146
103,965,450
97,570,871
91,028,787
84,336,529
77,491,385
70,490,593
63,331,348
56,010,794
48,526,027
40,874,094
33,051,992
25,056,665
16,885,006
8,533,856
(0)

Formula de la pago para amortizar una deuda con

crecimiento geometrico constante
( )
=
(1 + )
1
(1 + )
Donde T es el pago inicial, P es el valor presente, j el
gradiente geometrico, i la tasa de inters y n el
nmero de periodos.

da con

ente, j el

Tabla de amortizacin con decremento de cuota

Credito
Tasa
Plazo

Tasa
Perodo
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

230,000,000
24.00% EA
5 aos
1.81%
Capital

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

2,943,810.647
2,961,537.291
2,979,762.167
2,998,493.398
3,017,739.258
3,037,508.178
3,057,808.744
3,078,649.700
3,100,039.956
3,121,988.586
3,144,504.831
3,167,598.105
3,191,277.997
3,215,554.273
3,240,436.879
3,265,935.946
3,292,061.792
3,318,824.928
3,346,236.055
3,374,306.075
3,403,046.090
3,432,467.408
3,462,581.544
3,493,400.227

Inters
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

4,160,143.971
4,106,897.553
4,053,330.503
3,999,433.809
3,945,198.313
3,890,614.705
3,835,673.525
3,780,365.157
3,724,679.827
3,668,607.598
3,612,138.372
3,555,261.882
3,497,967.690
3,440,245.186
3,382,083.583
3,323,471.913
3,264,399.028
3,204,853.588
3,144,824.069
3,084,298.748
3,023,265.709
2,961,712.832
2,899,627.795
2,836,998.065

25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57

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

3,524,935.400
3,557,199.228
3,590,204.100
3,623,962.631
3,658,487.670
3,693,792.303
3,729,889.853
3,766,793.892
3,804,518.240
3,843,076.968
3,882,484.410
3,922,755.160
3,963,904.081
4,005,946.307
4,048,897.251
4,092,772.609
4,137,588.363
4,183,360.789
4,230,106.460
4,277,842.253
4,326,585.355
4,376,353.265
4,427,163.804
4,479,035.118
4,531,985.686
4,586,034.323
4,641,200.190
4,697,502.795
4,754,962.007
4,813,598.052
4,873,431.531
4,934,483.417
4,996,775.068

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

2,773,810.900
2,710,053.341
2,645,712.206
2,580,774.093
2,515,225.370
2,449,052.173
2,382,240.400
2,314,775.710
2,246,643.514
2,177,828.977
2,108,317.005
2,038,092.248
1,967,139.091
1,895,441.649
1,822,983.764
1,749,749.001
1,675,720.639
1,600,881.669
1,525,214.785
1,448,702.386
1,371,326.561
1,293,069.092
1,213,911.441
1,133,834.750
1,052,819.833
970,847.168
887,896.894
803,948.803
718,982.334
632,976.566
545,910.214
457,761.620
368,508.744

58
59
60

$
$
$

5,060,328.230 $
5,125,165.047 $
5,191,308.067 $

278,129.163
186,600.058
93,898.213

izacin con decremento de cuota

cuota baja en

Cuota
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

7,103,955
7,068,435
7,033,093
6,997,927
6,962,938
6,928,123
6,893,482
6,859,015
6,824,720
6,790,596
6,756,643
6,722,860
6,689,246
6,655,799
6,622,520
6,589,408
6,556,461
6,523,679
6,491,060
6,458,605
6,426,312
6,394,180
6,362,209
6,330,398

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

Saldo
230,000,000
227,056,189
224,094,652
221,114,890
218,116,396
215,098,657
212,061,149
209,003,340
205,924,691
202,824,651
199,702,662
196,558,157
193,390,559
190,199,281
186,983,727
183,743,290
180,477,354
177,185,292
173,866,467
170,520,231
167,145,925
163,742,879
160,310,412
156,847,830
153,354,430

0.50%

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

6,298,746
6,267,253
6,235,916
6,204,737
6,173,713
6,142,844
6,112,130
6,081,570
6,051,162
6,020,906
5,990,801
5,960,847
5,931,043
5,901,388
5,871,881
5,842,522
5,813,309
5,784,242
5,755,321
5,726,545
5,697,912
5,669,422
5,641,075
5,612,870
5,584,806
5,556,881
5,529,097
5,501,452
5,473,944
5,446,575
5,419,342
5,392,245
5,365,284

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

149,829,495
146,272,295
142,682,091
139,058,129
135,399,641
131,705,849
127,975,959
124,209,165
120,404,647
116,561,570
112,679,085
108,756,330
104,792,426
100,786,480
96,737,582
92,644,810
88,507,221
84,323,861
80,093,754
75,815,912
71,489,327
67,112,973
62,685,810
58,206,774
53,674,789
49,088,754
44,447,554
39,750,051
34,995,089
30,181,491
25,308,060
20,373,576
15,376,801

$
$
$

5,338,457 $
5,311,765 $
5,285,206 $

10,316,473
5,191,308
(0)

Formula de la pago para amortizar una deuda co

decrecimiento geometrico constante
( )
=
(1 )
1
(1 + )
Donde T es el pago inicial, P es el valor presente
gradiente geometrico, i la tasa de inters y n el
nmero de periodos.

na deuda con

or presente, j el
ters y n el

Tabla de Amortizacin Cuota

Credito
Tasa
Plazo
Tasa

54,000,000
16.50% EA
5 aos
1.281%

P diferido
Perodo
0
1
2
3
4
5
6
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

6 meses
Capital

$ 755,410.26
$ 765,085.62
$ 774,884.90
$ 784,809.69
$ 794,861.60
$ 805,042.26
$ 815,353.31
$ 825,796.43
$ 836,373.30
$ 847,085.64
$ 857,935.19
$ 868,923.70
$ 880,052.95
$ 891,324.74
$ 902,740.91
$ 914,303.29

Inters

$ 746,519.22
$ 736,843.86
$ 727,044.58
$ 717,119.78
$ 707,067.87
$ 696,887.22
$ 686,576.17
$ 676,133.05
$ 665,556.18
$ 654,843.83
$ 643,994.29
$ 633,005.78
$ 621,876.53
$ 610,604.73
$ 599,188.57
$ 587,626.18

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
49

$ 926,013.77
$ 937,874.23
$ 949,886.61
$ 962,052.84
$ 974,374.89
$ 986,854.77
$ 999,494.50
$ 1,012,296.11
$ 1,025,261.68
$ 1,038,393.33
$ 1,051,693.16
$ 1,065,163.33
$ 1,078,806.04
$ 1,092,623.48
$ 1,106,617.90
$ 1,120,791.56
$ 1,135,146.75
$ 1,149,685.81
$ 1,164,411.09
$ 1,179,324.97
$ 1,194,429.86
$ 1,209,728.22
$ 1,225,222.53
$ 1,240,915.29
$ 1,256,809.04
$ 1,272,906.36
$ 1,289,209.85
$ 1,305,722.16
$ 1,322,445.97
$ 1,339,383.97
$ 1,356,538.92
$ 1,373,913.58
$ 1,391,510.79

$ 575,915.71
$ 564,055.24
$ 552,042.87
$ 539,876.64
$ 527,554.58
$ 515,074.70
$ 502,434.98
$ 489,633.37
$ 476,667.79
$ 463,536.15
$ 450,236.32
$ 436,766.14
$ 423,123.44
$ 409,306.00
$ 395,311.58
$ 381,137.92
$ 366,782.72
$ 352,243.67
$ 337,518.39
$ 322,604.51
$ 307,499.61
$ 292,201.25
$ 276,706.95
$ 261,014.19
$ 245,120.44
$ 229,023.12
$ 212,719.63
$ 196,207.31
$ 179,483.51
$ 162,545.51
$ 145,390.56
$ 128,015.89
$ 110,418.69

50
51
52
53
54

$ 1,409,333.38
$ 1,427,384.25
$ 1,445,666.31
$ 1,464,182.53
$ 1,482,935.90

$ 92,596.10
$ 74,545.23
$ 56,263.17
$ 37,746.95
$ 18,993.57

e Amortizacin Cuota Fija

Presente
Tasa
Tiempo

HALLAR CUOTA MENSUAL

$ 58,284,989.49
1.281%
54

Cuota mensual
Cuota
$

$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48

Saldo
54,000,000

$ 58,284,989.49
$ 57,529,579.24
$ 56,764,493.62
$ 55,989,608.72
$ 55,204,799.03
$ 54,409,937.42
$ 53,604,895.16
$ 52,789,541.85
$ 51,963,745.43
$ 51,127,372.13
$ 50,280,286.48
$ 49,422,351.29
$ 48,553,427.60
$ 47,673,374.65
$ 46,782,049.91
$ 45,879,309.00
$ 44,965,005.71

$ 1,501,929.48

$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48

$ 44,038,991.94
$ 43,101,117.71
$ 42,151,231.10
$ 41,189,178.26
$ 40,214,803.37
$ 39,227,948.59
$ 38,228,454.10
$ 37,216,157.99
$ 36,190,896.31
$ 35,152,502.98
$ 34,100,809.82
$ 33,035,646.49
$ 31,956,840.45
$ 30,864,216.97
$ 29,757,599.07
$ 28,636,807.51
$ 27,501,660.76
$ 26,351,974.95
$ 25,187,563.86
$ 24,008,238.90
$ 22,813,809.03
$ 21,604,080.81
$ 20,378,858.28
$ 19,137,943.00
$ 17,881,133.96
$ 16,608,227.61
$ 15,319,017.75
$ 14,013,295.59
$ 12,690,849.62
$ 11,351,465.66
$ 9,994,926.74
$ 8,621,013.15
$ 7,229,502.37

$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48
$ 1,501,929.48

$ 5,820,168.98
$ 4,392,784.74
$ 2,947,118.43
$ 1,482,935.90
$ 0.00

Tabla de Amortizacin Cuota Fija

Credito
Tasa
Plazo
Tasa
PERIODOS TM
Perodo
0
1
2
3
4
5
6
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17

54,000,000
16.50% EA
5 aos
1.281%
54
Capital

Inters
$
$
$
$
$
$

$ 699,874.09
$ 708,838.14
$ 717,917.00
$ 727,112.14
$ 736,425.05
$ 745,857.25
$ 755,410.26
$ 765,085.62
$ 774,884.90
$ 784,809.69
$ 794,861.60
$ 805,042.26
$ 815,353.31
$ 825,796.43
$ 836,373.30
$ 847,085.64
$ 857,935.19

HALL

691,636.70
691,636.70
691,636.70
691,636.70
691,636.70
691,636.70
$ 691,636.70
$ 682,672.65
$ 673,593.79
$ 664,398.65
$ 655,085.73
$ 645,653.54
$ 636,100.53
$ 626,425.17
$ 616,625.89
$ 606,701.10
$ 596,649.19
$ 586,468.53
$ 576,157.48
$ 565,714.36
$ 555,137.49
$ 544,425.15
$ 533,575.60

Cuota
$
$
$
$
$
$

691,636.70
691,636.70
691,636.70
691,636.70
691,636.70
691,636.70
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79

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
49
50

$ 868,923.70
$ 880,052.95
$ 891,324.74
$ 902,740.91
$ 914,303.29
$ 926,013.77
$ 937,874.23
$ 949,886.61
$ 962,052.84
$ 974,374.89
$ 986,854.77
$ 999,494.50
$ 1,012,296.11
$ 1,025,261.68
$ 1,038,393.33
$ 1,051,693.16
$ 1,065,163.33
$ 1,078,806.04
$ 1,092,623.48
$ 1,106,617.90
$ 1,120,791.56
$ 1,135,146.75
$ 1,149,685.81
$ 1,164,411.09
$ 1,179,324.97
$ 1,194,429.86
$ 1,209,728.22
$ 1,225,222.53
$ 1,240,915.29
$ 1,256,809.04
$ 1,272,906.36
$ 1,289,209.85
$ 1,305,722.16

$ 522,587.09
$ 511,457.84
$ 500,186.05
$ 488,769.88
$ 477,207.50
$ 465,497.02
$ 453,636.56
$ 441,624.18
$ 429,457.95
$ 417,135.89
$ 404,656.02
$ 392,016.29
$ 379,214.68
$ 366,249.11
$ 353,117.46
$ 339,817.63
$ 326,347.45
$ 312,704.75
$ 298,887.31
$ 284,892.89
$ 270,719.23
$ 256,364.04
$ 241,824.98
$ 227,099.70
$ 212,185.82
$ 197,080.93
$ 181,782.57
$ 166,288.26
$ 150,595.50
$ 134,701.75
$ 118,604.43
$ 102,300.94
$ 85,788.63

$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79

51
52
53
54

$ 1,322,445.97
$ 1,339,383.97
$ 1,356,538.92
$ 1,373,913.58

$ 69,064.82
$ 52,126.82
$ 34,971.87
$ 17,597.20

$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79
$ 1,391,510.79

in Cuota Fija

HALLAR CUOTA MENSUAL

Saldo
$
54,000,000
$
54,000,000
$
54,000,000 $
$
54,000,000
$
54,000,000
$
54,000,000
$
54,000,000
$ 53,300,125.91
$ 52,591,287.78
$ 51,873,370.78
$ 51,146,258.64
$ 50,409,833.59
$ 49,663,976.34
$ 48,908,566.08
$ 48,143,480.46
$ 47,368,595.57
$ 46,583,785.87
$ 45,788,924.27
$ 44,983,882.01
$ 44,168,528.70
$ 43,342,732.27
$ 42,506,358.97
$ 41,659,273.33
$ 40,801,338.14

691,636.70

$ 39,932,414.44
$ 39,052,361.49
$ 38,161,036.75
$ 37,258,295.84
$ 36,343,992.55
$ 35,417,978.78
$ 34,480,104.55
$ 33,530,217.94
$ 32,568,165.11
$ 31,593,790.21
$ 30,606,935.44
$ 29,607,440.94
$ 28,595,144.83
$ 27,569,883.15
$ 26,531,489.83
$ 25,479,796.67
$ 24,414,633.33
$ 23,335,827.29
$ 22,243,203.81
$ 21,136,585.91
$ 20,015,794.36
$ 18,880,647.61
$ 17,730,961.79
$ 16,566,550.71
$ 15,387,225.74
$ 14,192,795.88
$ 12,983,067.66
$ 11,757,845.13
$ 10,516,929.84
$ 9,260,120.81
$ 7,987,214.45
$ 6,698,004.60
$ 5,392,282.44

$ 4,069,836.47
$ 2,730,452.50
$ 1,373,913.58
($ 0.00)

Hacer la Tabla de amortizacin, con cuota mensual credito leasing

Credito
Tasa
Plazo
Opcion de compra

Pago mensual
Valor de contado
Opcuion compra (VA)

10,000,000
1.00%
12
1,000,000.00
$ 809,639.10

10,000,000
$ 887,449.23

Financinciacion
Tasa
Plazo

$ 9,112,550.77
1%
12

CUOTAS

$ 809,639.10

$ 888,487.89