IMPORTANTE: Solo registrar información en celdas color amarillo.

TRABAJO COLABORATIVO

Grupo:102007_62

NOMBRE: Jeniffer Martinez

CODIGO: 1094265967

Presentado a:

Docente: Ana Maria Rojas

Universidad Nacional Abierta y a Distancia -UNAD-

Escuela de Scs Administrativas, Contables, Económicas y de Negocios
Administración de Empresas, Ing. Industrial y Tecnologías en Gestión
Pamplona, Colombia
viernes, 27 de septiembre de 2019
 Tablas de Am
BANCO A
Capital en Prestamo135,000,000
Tasa de interes DTF + 4% TA
Tasa de interes EA 7.90%
Periodica mensual 0.64%
NACMV 7.63%
Plazo 60
Periodo Muerto 12
Periodo de Amortizacion 48
Capital a Amortizar 145665000
Cuota Fija 3530701

Periodo Saldo Inicial Cuota Interes

1 $135,000,000.00 $0.00 $858,105.93

2 $135,858,105.93 $0.00 $863,560.34

3 $136,721,666.26 $0.00 $869,049.42

4 $137,590,715.69 $0.00 $874,573.40

5 $138,465,289.08 $0.00 $880,132.48

6 $139,345,421.56 $0.00 $885,726.90

7 $140,231,148.47 $0.00 $891,356.88

8 $141,122,505.35 $0.00 $897,022.65

9 $142,019,528.00 $0.00 $902,724.43

10 $142,922,252.44 $0.00 $908,462.46

11 $143,830,714.89 $0.00 $914,236.95

12 $144,744,951.85 $0.00 $920,048.15

13 $145,665,000.00 $3,530,700.86 $925,896.29

14 $143,060,195.43 $3,530,700.86 $909,339.27

15 $140,438,833.84 $3,530,700.86 $892,677.00

16 $137,800,809.98 $3,530,700.86 $875,908.83

17 $135,146,017.95 $3,530,700.86 $859,034.07

18 $132,474,351.15 $3,530,700.86 $842,052.04

19 $129,785,702.34 $3,530,700.86 $824,962.08

20 $127,079,963.55 $3,530,700.86 $807,763.48

21 $124,357,026.17 $3,530,700.86 $790,455.56

22 $121,616,780.87 $3,530,700.86 $773,037.63

23 $118,859,117.64 $3,530,700.86 $755,508.99

24 $116,083,925.77 $3,530,700.86 $737,868.92

25 $113,291,093.83 $3,530,700.86 $720,116.73

26 $110,480,509.70 $3,530,700.86 $702,251.70

27 $107,652,060.54 $3,530,700.86 $684,273.12

28 $104,805,632.80 $3,530,700.86 $666,180.26

29 $101,941,112.20 $3,530,700.86 $647,972.39

30 $99,058,383.72 $3,530,700.86 $629,648.79

31 $96,157,331.65 $3,530,700.86 $611,208.71

32 $93,237,839.50 $3,530,700.86 $592,651.43

33 $90,299,790.07 $3,530,700.86 $573,976.18

34 $87,343,065.39 $3,530,700.86 $555,182.24

35 $84,367,546.77 $3,530,700.86 $536,268.83

36 $81,373,114.73 $3,530,700.86 $517,235.20

37 $78,359,649.07 $3,530,700.86 $498,080.59

38 $75,327,028.80 $3,530,700.86 $478,804.22

39 $72,275,132.16 $3,530,700.86 $459,405.33

40 $69,203,836.62 $3,530,700.86 $439,883.13

41 $66,113,018.89 $3,530,700.86 $420,236.84

42 $63,002,554.87 $3,530,700.86 $400,465.67

43 $59,872,319.68 $3,530,700.86 $380,568.83

44 $56,722,187.65 $3,530,700.86 $360,545.52

45 $53,552,032.31 $3,530,700.86 $340,394.94

46 $50,361,726.38 $3,530,700.86 $320,116.27

47 $47,151,141.79 $3,530,700.86 $299,708.70

48 $43,920,149.63 $3,530,700.86 $279,171.41

49 $40,668,620.18 $3,530,700.86 $258,503.58

50 $37,396,422.90 $3,530,700.86 $237,704.39

51 $34,103,426.43 $3,530,700.86 $216,772.98

52 $30,789,498.55 $3,530,700.86 $195,708.53

53 $27,454,506.21 $3,530,700.86 $174,510.18

54 $24,098,315.53 $3,530,700.86 $153,177.09

55 $20,720,791.76 $3,530,700.86 $131,708.40

56 $17,321,799.30 $3,530,700.86 $110,103.25

57 $13,901,201.69 $3,530,700.86 $88,360.77

58 $10,458,861.60 $3,530,700.86 $66,480.08

59 $6,994,640.82 $3,530,700.86 $44,460.32

60 $3,508,400.28 $3,530,700.86 $22,300.59

blas de Amortización
BANCO B
Capital en Prestamo
Tasa de interes
Tasa de interes EA
Periodica mensual
NACMV
Plazo
Periodo de Gracia
Periodo de Amortizacion
Cuota Fija

Abono Saldo Final Periodo

-$858,105.93 $135,858,105.93 1

-$863,560.34 $136,721,666.26 2

-$869,049.42 $137,590,715.69 3

-$874,573.40 $138,465,289.08 4

-$880,132.48 $139,345,421.56 5

-$885,726.90 $140,231,148.47 6

-$891,356.88 $141,122,505.35 7

-$897,022.65 $142,019,528.00 8

-$902,724.43 $142,922,252.44 9

-$908,462.46 $143,830,714.89 10

-$914,236.95 $144,744,951.85 11

-$920,048.15 $145,665,000.00 12

$2,604,804.57 $143,060,195.43 13

$2,621,361.59 $140,438,833.84 14
$2,638,023.86 $137,800,809.98 15

$2,654,792.03 $135,146,017.95 16

$2,671,666.80 $132,474,351.15 17

$2,688,648.82 $129,785,702.34 18

$2,705,738.79 $127,079,963.55 19

$2,722,937.38 $124,357,026.17 20

$2,740,245.30 $121,616,780.87 21

$2,757,663.23 $118,859,117.64 22

$2,775,191.87 $116,083,925.77 23

$2,792,831.94 $113,291,093.83 24

$2,810,584.13 $110,480,509.70 25

$2,828,449.16 $107,652,060.54 26

$2,846,427.74 $104,805,632.80 27

$2,864,520.61 $101,941,112.20 28

$2,882,728.47 $99,058,383.72 29

$2,901,052.08 $96,157,331.65 30

$2,919,492.15 $93,237,839.50 31

$2,938,049.43 $90,299,790.07 32

$2,956,724.68 $87,343,065.39 33

$2,975,518.62 $84,367,546.77 34

$2,994,432.03 $81,373,114.73 35

$3,013,465.66 $78,359,649.07 36

$3,032,620.27 $75,327,028.80 37

$3,051,896.64 $72,275,132.16 38

$3,071,295.53 $69,203,836.62 39

$3,090,817.73 $66,113,018.89 40

$3,110,464.02 $63,002,554.87 41

$3,130,235.19 $59,872,319.68 42

$3,150,132.03 $56,722,187.65 43

$3,170,155.34 $53,552,032.31 44

$3,190,305.93 $50,361,726.38 45

$3,210,584.60 $47,151,141.79 46

$3,230,992.16 $43,920,149.63 47
$3,251,529.45 $40,668,620.18 48

$3,272,197.28 $37,396,422.90

$3,292,996.47 $34,103,426.43

$3,313,927.88 $30,789,498.55

$3,334,992.33 $27,454,506.21

$3,356,190.68 $24,098,315.53

$3,377,523.77 $20,720,791.76

$3,398,992.46 $17,321,799.30

$3,420,597.61 $13,901,201.69

$3,442,340.09 $10,458,861.60

$3,464,220.78 $6,994,640.82

$3,486,240.54 $3,508,400.28

$3,508,400.28 $0.00
BANCO B
$135,000,000
IPC + 5%
8.94%
0.72%
8.59%
48
6
42
$3,733,118

Saldo Inicial Cuota Interes Abono

$135,000,000 $966,490 $966,490 $0

$135,000,000.00 $966,490 $966,490 $0

$135,000,000.00 $966,490 $966,490 $0

$135,000,000.00 $966,490 $966,490 $0

$135,000,000.00 $966,490 $966,490 $0

$135,000,000.00 $966,490 $966,490 $0

$135,000,000.00 $3,733,118 $966,490 $2,766,628

$132,233,371.85 $3,733,118 $946,683 $2,786,435

$129,446,936.90 $3,733,118 $926,734 $2,806,384

$126,640,553.35 $3,733,118 $906,643 $2,826,475

$123,814,078.38 $3,733,118 $886,408 $2,846,710

$120,967,368.17 $3,733,118 $866,028 $2,867,090

$118,100,277.83 $3,733,118 $845,502 $2,887,616

$115,212,661.47 $3,733,118 $824,829 $2,908,289

$112,304,372.13 $3,733,118 $804,008 $2,929,110

$109,375,261.81 $3,733,118 $783,038 $2,950,080

$106,425,181.46 $3,733,118 $761,917 $2,971,201

$103,453,980.94 $3,733,118 $740,646 $2,992,472

$100,461,509.05 $3,733,118 $719,222 $3,013,896

$97,447,613.51 $3,733,118 $697,645 $3,035,473

$94,412,140.94 $3,733,118 $675,914 $3,057,204

$91,354,936.86 $3,733,118 $654,027 $3,079,091

$88,275,845.69 $3,733,118 $631,983 $3,101,135

$85,174,710.75 $3,733,118 $609,781 $3,123,337

$82,051,374.21 $3,733,118 $587,421 $3,145,697

$78,905,677.14 $3,733,118 $564,900 $3,168,218

$75,737,459.44 $3,733,118 $542,218 $3,190,900

$72,546,559.89 $3,733,118 $519,374 $3,213,744

$69,332,816.11 $3,733,118 $496,366 $3,236,752

$66,096,064.54 $3,733,118 $473,194 $3,259,924

$62,836,140.48 $3,733,118 $449,855 $3,283,262

$59,552,878.02 $3,733,118 $426,350 $3,306,768

$56,246,110.08 $3,733,118 $402,676 $3,330,442

$52,915,668.39 $3,733,118 $378,833 $3,354,285

$49,561,383.45 $3,733,118 $354,819 $3,378,299

$46,183,084.58 $3,733,118 $330,633 $3,402,485

$42,780,599.84 $3,733,118 $306,274 $3,426,844

$39,353,756.09 $3,733,118 $281,741 $3,451,377

$35,902,378.93 $3,733,118 $257,032 $3,476,086

$32,426,292.73 $3,733,118 $232,146 $3,500,972

$28,925,320.60 $3,733,118 $207,082 $3,526,036

$25,399,284.36 $3,733,118 $181,838 $3,551,280

$21,848,004.59 $3,733,118 $156,414 $3,576,704

$18,271,300.55 $3,733,118 $130,808 $3,602,310

$14,668,990.23 $3,733,118 $105,018 $3,628,100

$11,040,890.31 $3,733,118 $79,044 $3,654,074

$7,386,816.15 $3,733,118 $52,884 $3,680,234

$3,706,581.81 $3,733,118 $26,536 $3,706,582
 BANCO C
Capital en Prestamo135,000,000
Tasa de interes 11% E.A
Tasa de interes EA 11.00%
Periodica mensual 0.87%
NACMV 10.48%
Plazo 72
Cuota variable

Saldo Final Periodo Saldo Inicial

$135,000,000.00 1 ###
$135,000,000.00 2 ###
$135,000,000.00 3 ###
$135,000,000.00 4 ###
$135,000,000.00 5 ###
$135,000,000.00 6 ###
$132,233,371.85 7 ###
$129,446,936.90 8 ###
$126,640,553.35 9 ###
$123,814,078.38 10 ###
$120,967,368.17 11 ###
$118,100,277.83 12 ###
$115,212,661.47 13 ###
$112,304,372.13 14 ###
$109,375,261.81 15 ###
$106,425,181.46 16 ###
$103,453,980.94 17 ###
$100,461,509.05 18 ###
$97,447,613.51 19 ###
$94,412,140.94 20 $99,375,000.00
$91,354,936.86 21 $97,500,000.00
$88,275,845.69 22 $95,625,000.00
$85,174,710.75 23 $93,750,000.00
$82,051,374.21 24 $91,875,000.00
$78,905,677.14 25 $90,000,000.00
$75,737,459.44 26 $88,125,000.00
$72,546,559.89 27 $86,250,000.00
$69,332,816.11 28 $84,375,000.00
$66,096,064.54 29 $82,500,000.00
$62,836,140.48 30 $80,625,000.00
$59,552,878.02 31 $78,750,000.00
$56,246,110.08 32 $76,875,000.00
$52,915,668.39 33 $75,000,000.00
$49,561,383.45 34 $73,125,000.00
$46,183,084.58 35 $71,250,000.00
$42,780,599.84 36 $69,375,000.00
$39,353,756.09 37 $67,500,000.00
$35,902,378.93 38 $65,625,000.00
$32,426,292.73 39 $63,750,000.00
$28,925,320.60 40 $61,875,000.00
$25,399,284.36 41 $60,000,000.00
$21,848,004.59 42 $58,125,000.00
$18,271,300.55 43 $56,250,000.00
$14,668,990.23 44 $54,375,000.00
$11,040,890.31 45 $52,500,000.00
$7,386,816.15 46 $50,625,000.00
$3,706,581.81 47 $48,750,000.00
$0.00 48 $46,875,000.00
49 $45,000,000.00
50 $43,125,000.00
51 $41,250,000.00
52 $39,375,000.00
53 $37,500,000.00
54 $35,625,000.00
55 $33,750,000.00
56 $31,875,000.00
57 $30,000,000.00
58 $28,125,000.00
59 $26,250,000.00
60 $24,375,000.00
61 $22,500,000.00
62 $20,625,000.00
63 $18,750,000.00
64 $16,875,000.00
65 $15,000,000.00
66 $13,125,000.00
67 $11,250,000.00
68 $9,375,000.00
69 $7,500,000.00
70 $5,625,000.00
71 $3,750,000.00
72 $1,875,000.00
 Cuota Interes Abono
$3,054,170.17 $1,179,170 $1,875,000
$3,037,792.80 $1,162,793 $1,875,000
$3,021,415.44 $1,146,415 $1,875,000
$3,005,038.08 $1,130,038 $1,875,000
$2,988,660.71 $1,113,661 $1,875,000
$2,972,283.35 $1,097,283 $1,875,000
$2,955,905.99 $1,080,906 $1,875,000
$2,939,528.62 $1,064,529 $1,875,000
$2,923,151.26 $1,048,151 $1,875,000
$2,906,773.90 $1,031,774 $1,875,000
$2,890,396.53 $1,015,397 $1,875,000
$2,874,019.17 $999,019 $1,875,000
$2,857,641.81 $982,642 $1,875,000
$2,841,264.44 $966,264 $1,875,000
$2,824,887.08 $949,887 $1,875,000
$2,808,509.71 $933,510 $1,875,000
$2,792,132.35 $917,132 $1,875,000
$2,775,754.99 $900,755 $1,875,000
$2,759,377.62 $884,378 $1,875,000
$2,743,000.26 $868,000 $1,875,000
$2,726,622.90 $851,623 $1,875,000
$2,710,245.53 $835,246 $1,875,000
$2,693,868.17 $818,868 $1,875,000
$2,677,490.81 $802,491 $1,875,000
$2,661,113.44 $786,113 $1,875,000
$2,644,736.08 $769,736 $1,875,000
$2,628,358.72 $753,359 $1,875,000
$2,611,981.35 $736,981 $1,875,000
$2,595,603.99 $720,604 $1,875,000
$2,579,226.63 $704,227 $1,875,000
$2,562,849.26 $687,849 $1,875,000
$2,546,471.90 $671,472 $1,875,000
$2,530,094.54 $655,095 $1,875,000
$2,513,717.17 $638,717 $1,875,000
$2,497,339.81 $622,340 $1,875,000
$2,480,962.45 $605,962 $1,875,000
$2,464,585.08 $589,585 $1,875,000
$2,448,207.72 $573,208 $1,875,000
$2,431,830.36 $556,830 $1,875,000
$2,415,452.99 $540,453 $1,875,000
$2,399,075.63 $524,076 $1,875,000
$2,382,698.27 $507,698 $1,875,000
$2,366,320.90 $491,321 $1,875,000
$2,349,943.54 $474,944 $1,875,000
$2,333,566.18 $458,566 $1,875,000
$2,317,188.81 $442,189 $1,875,000
$2,300,811.45 $425,811 $1,875,000
$2,284,434.09 $409,434 $1,875,000
$2,268,056.72 $393,057 $1,875,000
$2,251,679.36 $376,679 $1,875,000
$2,235,302.00 $360,302 $1,875,000
$2,218,924.63 $343,925 $1,875,000
$2,202,547.27 $327,547 $1,875,000
$2,186,169.90 $311,170 $1,875,000
$2,169,792.54 $294,793 $1,875,000
$2,153,415.18 $278,415 $1,875,000
$2,137,037.81 $262,038 $1,875,000
$2,120,660.45 $245,660 $1,875,000
$2,104,283.09 $229,283 $1,875,000
$2,087,905.72 $212,906 $1,875,000
$2,071,528.36 $196,528 $1,875,000
$2,055,151.00 $180,151 $1,875,000
$2,038,773.63 $163,774 $1,875,000
$2,022,396.27 $147,396 $1,875,000
$2,006,018.91 $131,019 $1,875,000
$1,989,641.54 $114,642 $1,875,000
$1,973,264.18 $98,264 $1,875,000
$1,956,886.82 $81,887 $1,875,000
$1,940,509.45 $65,509 $1,875,000
$1,924,132.09 $49,132 $1,875,000
$1,907,754.73 $32,755 $1,875,000
$1,891,377.36 $16,377 $1,875,000
Saldo Final
###
###
###
###
###
###
###
###
###
###
###
###
###
###
 ###
###
###
###
$99,375,000.00
$97,500,000.00
$95,625,000.00
$93,750,000.00
$91,875,000.00
$90,000,000.00
$88,125,000.00
$86,250,000.00
$84,375,000.00
$82,500,000.00
$80,625,000.00
$78,750,000.00
$76,875,000.00
$75,000,000.00
$73,125,000.00
$71,250,000.00
$69,375,000.00
$67,500,000.00
$65,625,000.00
$63,750,000.00
$61,875,000.00
$60,000,000.00
$58,125,000.00
$56,250,000.00
$54,375,000.00
$52,500,000.00
$50,625,000.00
$48,750,000.00
$46,875,000.00
$45,000,000.00
$43,125,000.00
$41,250,000.00
$39,375,000.00
$37,500,000.00
$35,625,000.00
$33,750,000.00
$31,875,000.00
$30,000,000.00
$28,125,000.00
$26,250,000.00
$24,375,000.00
$22,500,000.00
$20,625,000.00
$18,750,000.00
$16,875,000.00
$15,000,000.00
$13,125,000.00
$11,250,000.00
$9,375,000.00
$7,500,000.00
$5,625,000.00
$3,750,000.00
$1,875,000.00
$0.00
¿Cuál alternativa de crédito es más costosa? ¿Cuál
alternativa de crédito favorece la posición de liquidez de la
empresa? Justifique su respuesta.

La alternativa de banco mas costosa es el banco C, ya quemaneja un interes un poco mas alto, su cuota es variable y el
tiempo determinado es mas amplio que las demas opciones.

la alternativa de credito que favorece la posicion de liquidez es la de banco B, aunque tiene un interes un poco mas alto
que el banco A maneja un tiempo mas corto y una cuota fija lo que hace mas rentable tomar esta opcion.
¿Cuál
liquidez de la

o, su cuota es variable y el

un interes un poco mas alto

ar esta opcion.
 Modalidad Abono Constante a Capital
Capital $135,000,000
Tasa Anual 11.00%
Tasa Mensual 0.87%
Plazos(Meses) 72

Periodo Saldo Inicial Cuota Interes

1 $135,000,000 $3,054,170.17 $1,179,170.17
2 $133,125,000 $3,037,792.80 $1,162,792.80
3 $131,250,000 $3,021,415.44 $1,146,415.44
4 $129,375,000 $3,005,038.08 $1,130,038.08
5 $127,500,000 $2,988,660.71 $1,113,660.71
6 $125,625,000 $2,972,283.35 $1,097,283.35
7 $123,750,000 $2,955,905.99 $1,080,905.99
8 $121,875,000 $2,939,528.62 $1,064,528.62
9 $120,000,000 $2,923,151.26 $1,048,151.26
10 $118,125,000 $2,906,773.90 $1,031,773.90
11 $116,250,000 $2,890,396.53 $1,015,396.53
12 $114,375,000 $2,874,019.17 $999,019.17
13 $112,500,000 $2,857,641.81 $982,641.81
14 $110,625,000 $2,841,264.44 $966,264.44
15 $108,750,000 $2,824,887.08 $949,887.08
16 $106,875,000 $2,808,509.71 $933,509.71
17 $105,000,000 $2,792,132.35 $917,132.35
18 $103,125,000 $2,775,754.99 $900,754.99
19 $101,250,000 $2,759,377.62 $884,377.62
20 $99,375,000 $2,743,000.26 $868,000.26
21 $97,500,000 $2,726,622.90 $851,622.90
22 $95,625,000 $2,710,245.53 $835,245.53
23 $93,750,000 $2,693,868.17 $818,868.17
24 $91,875,000 $2,677,490.81 $802,490.81
25 $90,000,000 $2,661,113.44 $786,113.44
26 $88,125,000 $2,644,736.08 $769,736.08
27 $86,250,000 $2,628,358.72 $753,358.72
28 $84,375,000 $2,611,981.35 $736,981.35
29 $82,500,000 $2,595,603.99 $720,603.99
30 $80,625,000 $2,579,226.63 $704,226.63
31 $78,750,000 $2,562,849.26 $687,849.26
32 $76,875,000 $2,546,471.90 $671,471.90
33 $75,000,000 $2,530,094.54 $655,094.54
34 $73,125,000 $2,513,717.17 $638,717.17
35 $71,250,000 $2,497,339.81 $622,339.81
36 $69,375,000 $2,480,962.45 $605,962.45
37 $67,500,000 $2,464,585.08 $589,585.08
38 $65,625,000 $2,448,207.72 $573,207.72
39 $63,750,000 $2,431,830.36 $556,830.36
40 $61,875,000 $2,415,452.99 $540,452.99
41 $60,000,000 $2,399,075.63 $524,075.63
42 $58,125,000 $2,382,698.27 $507,698.27
43 $56,250,000 $2,366,320.90 $491,320.90
44 $54,375,000 $2,349,943.54 $474,943.54
45 $52,500,000 $2,333,566.18 $458,566.18
46 $50,625,000 $2,317,188.81 $442,188.81
47 $48,750,000 $2,300,811.45 $425,811.45
48 $46,875,000 $2,284,434.09 $409,434.09
49 $45,000,000 $2,268,056.72 $393,056.72
50 $43,125,000 $2,251,679.36 $376,679.36
51 $41,250,000 $2,235,302.00 $360,302.00
52 $39,375,000 $2,218,924.63 $343,924.63
53 $37,500,000 $2,202,547.27 $327,547.27
54 $35,625,000 $2,186,169.90 $311,169.90
55 $33,750,000 $2,169,792.54 $294,792.54
56 $31,875,000 $2,153,415.18 $278,415.18
57 $30,000,000 $2,137,037.81 $262,037.81
58 $28,125,000 $2,120,660.45 $245,660.45
59 $26,250,000 $2,104,283.09 $229,283.09
60 $24,375,000 $2,087,905.72 $212,905.72
61 $22,500,000 $2,071,528.36 $196,528.36
62 $20,625,000 $2,055,151.00 $180,151.00
63 $18,750,000 $2,038,773.63 $163,773.63
64 $16,875,000 $2,022,396.27 $147,396.27
65 $15,000,000 $2,006,018.91 $131,018.91
66 $13,125,000 $1,989,641.54 $114,641.54
67 $11,250,000 $1,973,264.18 $98,264.18
68 $9,375,000 $1,956,886.82 $81,886.82
69 $7,500,000 $1,940,509.45 $65,509.45
70 $5,625,000 $1,924,132.09 $49,132.09
71 $3,750,000 $1,907,754.73 $32,754.73
72 $1,875,000 $1,891,377.36 $16,377.36
nstante a Capital
𝑽�=𝑨[((𝟏+𝒊)^𝒏−𝟏)/

Abono Saldo Final Gradiente

$1,875,000.00 $133,125,000 -$16,377.36
$1,875,000.00 $131,250,000 -$16,377.36
$1,875,000.00 $129,375,000 -$16,377.36
$1,875,000.00 $127,500,000 -$16,377.36
$1,875,000.00 $125,625,000 -$16,377.36
$1,875,000.00 $123,750,000 -$16,377.36
$1,875,000.00 $121,875,000 -$16,377.36
$1,875,000.00 $120,000,000 -$16,377.36
$1,875,000.00 $118,125,000 -$16,377.36
$1,875,000.00 $116,250,000 -$16,377.36
$1,875,000.00 $114,375,000 -$16,377.36
$1,875,000.00 $112,500,000 -$16,377.36
$1,875,000.00 $110,625,000 -$16,377.36
$1,875,000.00 $108,750,000 -$16,377.36
$1,875,000.00 $106,875,000 -$16,377.36
$1,875,000.00 $105,000,000 -$16,377.36
$1,875,000.00 $103,125,000 -$16,377.36
$1,875,000.00 $101,250,000 -$16,377.36
$1,875,000.00 $99,375,000 -$16,377.36
$1,875,000.00 $97,500,000 -$16,377.36
$1,875,000.00 $95,625,000 -$16,377.36
$1,875,000.00 $93,750,000 -$16,377.36
$1,875,000.00 $91,875,000 -$16,377.36
$1,875,000.00 $90,000,000 -$16,377.36
$1,875,000.00 $88,125,000 -$16,377.36
$1,875,000.00 $86,250,000 -$16,377.36
$1,875,000.00 $84,375,000 -$16,377.36
$1,875,000.00 $82,500,000 -$16,377.36
$1,875,000.00 $80,625,000 -$16,377.36
$1,875,000.00 $78,750,000 -$16,377.36
$1,875,000.00 $76,875,000 -$16,377.36
$1,875,000.00 $75,000,000 -$16,377.36
$1,875,000.00 $73,125,000 -$16,377.36
$1,875,000.00 $71,250,000 -$16,377.36
$1,875,000.00 $69,375,000 -$16,377.36
$1,875,000.00 $67,500,000 -$16,377.36
$1,875,000.00 $65,625,000 -$16,377.36
$1,875,000.00 $63,750,000 -$16,377.36
$1,875,000.00 $61,875,000 -$16,377.36
$1,875,000.00 $60,000,000 -$16,377.36
$1,875,000.00 $58,125,000 -$16,377.36
$1,875,000.00 $56,250,000 -$16,377.36
$1,875,000.00 $54,375,000 -$16,377.36
$1,875,000.00 $52,500,000 -$16,377.36
$1,875,000.00 $50,625,000 -$16,377.36
$1,875,000.00 $48,750,000 -$16,377.36
$1,875,000.00 $46,875,000 -$16,377.36
$1,875,000.00 $45,000,000 -$16,377.36
$1,875,000.00 $43,125,000 -$16,377.36
$1,875,000.00 $41,250,000 -$16,377.36
$1,875,000.00 $39,375,000 -$16,377.36
$1,875,000.00 $37,500,000 -$16,377.36
$1,875,000.00 $35,625,000 -$16,377.36
$1,875,000.00 $33,750,000 -$16,377.36
$1,875,000.00 $31,875,000 -$16,377.36
$1,875,000.00 $30,000,000 -$16,377.36
$1,875,000.00 $28,125,000 -$16,377.36
$1,875,000.00 $26,250,000 -$16,377.36
$1,875,000.00 $24,375,000 -$16,377.36
$1,875,000.00 $22,500,000 -$16,377.36
$1,875,000.00 $20,625,000 -$16,377.36
$1,875,000.00 $18,750,000 -$16,377.36
$1,875,000.00 $16,875,000 -$16,377.36
$1,875,000.00 $15,000,000 -$16,377.36
$1,875,000.00 $13,125,000 -$16,377.36
$1,875,000.00 $11,250,000 -$16,377.36
$1,875,000.00 $9,375,000 -$16,377.36
$1,875,000.00 $7,500,000 -$16,377.36
$1,875,000.00 $5,625,000 -$16,377.36
$1,875,000.00 $3,750,000 -$16,377.36
$1,875,000.00 $1,875,000 -$16,377.36
$1,875,000.00 $0
 FORMULA GRADIENTE ARIMETICA DECRECIENTE
�=𝑨[((𝟏+𝒊)^𝒏−𝟏)/(𝒊 (�+� )^� )]−𝒈/𝒊 [( (�+� )^�−�)/( �(�+� )^� )−𝒏/( (�+� )^� )]

Tasa de Interes (i) 0.87%

Anualidad $3,054,170.17
Plazos(n) 72
Gradiente(g) $16,377.36

% de Reduccion
Gradiente de reduccion (g)

Capital (vp) $232,088,071.24

Tasa Anual
( (�+� )^� )]