ENERO FEBRERO

INGRESOS TOTALES (+) ###

GASTOS FIJOS MENSUALES (-) ###
DEUDAS ACTUALES / BANCOS (-) $ 300,000
CAPACIDAD DE PAGO (=) $ 2,080,000
NIVEL DE ENDEUDAMIENTO RECOMENDADO (30% de Ingres 41%
 Concepto Descripción Valor Estimado ENERO Pagos Pendientes
Tarjeta de crédito $100,000 $100,000
BANCOS
Credito $300,000 $300,000
Cuota Vivienda $400,000 $400,000
HOGAR Mercado $500,000 $500,000 $0
Almuerzos $100,000 $100,000 $0
Internet - Tv - Telefonia $58,000 $58,000
Celular $56,000 $59,084 $0
SERVICIOS PUBLICOS Agua $90,000 $90,000
Luz $45,000 $45,000
Gas $28,000 $26,670 $0
Colegios $340,000 $340,000 $0
EDUCACIÓN
Universidad $0
Transporte $92,000 $20,000 $0
MANUTENCIÓN
Gastos Varios $300,000 $10,000 $0
TOTAL EGRESOS $2,409,000 $1,055,754 $993,000
Salario 1 $3,600,000 $3,883,200
Salario 2 $0 $100,000
TOTAL INGRESOS $3,600,000 $3,983,200
Capacidad Endeudamiento mensual $1,191,000 $2,927,446
Nivel de endeudamiento (30% de Ingresos) 67% 27%
 Descripción Mes de Pago
Financiación (Ahorro mensual de)Vr. Mensual
Impuesto predial Marzo $ 600,000 $ 50,000
Vacaciones Enero $ 1,500,000 $ 125,000
Matricula Colegio Enero $ 850,000 $ 70,833

Total $ 245,833
r. Mensual
Monto $ 14,490,000.00
Tasa de interés mensual 1.06%
Vr. Cuota $486,273.46
No. De Períodos 36

Período Pago Abono capital Intereses Saldo

1 $486,273.46 $336,205.86 $ 150,067.60 $14,157,320.54
2 $486,273.46 $339,769.64 146503.815615 $13,821,114.68
3 $486,273.46 $343,371.20 142902.257415 $13,481,345.04
4 $486,273.46 $347,010.93 139262.522698 $13,137,973.84
5 $486,273.46 $350,689.25 135584.206794 $12,790,962.91
6 $486,273.46 $354,406.56 131866.90074 $12,440,273.65
7 $486,273.46 $358,163.27 128110.191243 $12,085,867.10
8 $486,273.46 $361,959.80 124313.660625 $11,727,703.83
9 $486,273.46 $365,796.57 120476.886782 $11,365,744.04
10 $486,273.46 $369,674.01 116599.443137 $10,999,947.47
11 $486,273.46 $373,592.56 112680.898589 $10,630,273.45
12 $486,273.46 $377,552.64 108720.817469 $10,256,680.89
13 $486,273.46 $381,554.70 104718.759488 $9,879,128.25
14 $486,273.46 $385,599.18 100674.279694 $9,497,573.56
15 $486,273.46 $389,686.53 96586.9284133 $9,111,974.38
16 $486,273.46 $393,817.21 92456.2512092 $8,722,287.85
17 $486,273.46 $397,991.67 88281.7888268 $8,328,470.64
18 $486,273.46 $402,210.38 84063.0771431 $7,930,478.98
19 $486,273.46 $406,473.81 79799.6471155 $7,528,268.60
20 $486,273.46 $410,782.43 75491.0247297 $7,121,794.79
21 $486,273.46 $415,136.73 71136.7309466 $6,711,012.35
22 $486,273.46 $419,537.18 66736.2816493 $6,295,875.63
23 $486,273.46 $423,984.27 62289.1875896 $5,876,338.45
24 $486,273.46 $428,478.50 57794.9543327 $5,452,354.18
25 $486,273.46 $433,020.37 53253.0822034 $5,023,875.68
26 $486,273.46 $437,610.39 48663.0662295 $4,590,855.30
27 $486,273.46 $442,249.06 44024.3960863 $4,153,244.91
28 $486,273.46 $446,936.90 39336.5560395 $3,710,995.85
29 $486,273.46 $451,674.43 34599.0248883 $3,264,058.95
30 $486,273.46 $456,462.18 29811.2759069 $2,812,384.52
31 $486,273.46 $461,300.68 24972.7767862 $2,355,922.34
32 $486,273.46 $466,190.47 20082.9895749 $1,894,621.66
33 $486,273.46 $471,132.09 15141.3706191 $1,428,431.19
34 $486,273.46 $476,126.09 10147.3705024 $957,299.10
35 $486,273.46 $481,173.02 5100.43398448 $481,173.02
36 $486,273.46 $486,273.46 -6.0541632E-05 -$0.01
Total Pagado $14,643,594.00 $ 2,862,250.45