CREDITO REFACCIONARIO: ES UN DINERO QUE UTILIZARAN DE LOS BANCOS,

LOS INGENIEROS DURANTE EL PROYECTO DE UNA PLANTA. FASE III (CONSTRUCCION E INSTALAC
QUE ES LA FASE MAS COSTOSA DE LA INVERSION
1o CREDITO (0)

25,000,000

2o CREDITO (5)
3o CREDITO (10)
4o CREDITO (25)
5o CREDITO (30)
6o CREDITO (35)

25,000,000
25,000,000
10,000,000
10,000,000
10,000,000

P-GRACIA
TASA
MESES

25,000,000 PAGO (15-21)

25,000,000
25,000,000
10,000,000
10,000,000
10,000,000
105,000,000

3
1.25%
48

ABONO (4-11)

1,500,000

PAGO (26-34)
PAGO (44-48)
ABONO EXT (6)
PAGO EXT (13)
ABONO EXT (13)
ABONO EXT (16)
ABONO EXT (24)
ABONO EXT (34)
ABONO (30-36)

1,800,000
1,500,000
3,000,000
2,500,000
2,000,000
1,500,000
1,700,000
5,000,000
1,700,000

ABONO (38-46)

2,000,000

5,000,000

MESES

SDO INICIAL

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

25,000,000
25,312,500
25,628,906
25,949,268
20,949,268
40,949,268
32,949,268
27,949,268
22,949,268
17,949,268
37,949,268
32,949,268
33,361,133
29,278,148
29,644,124
28,514,676
27,014,676
25,852,359
24,675,514
23,483,958
22,277,507
21,055,976
21,319,176

INTERESES

312,500
316,406
320,361
324,366
261,866
511,866
411,866
349,366
286,866
224,366
474,366
411,866
417,014
365,977
370,552
356,433
337,683
323,154
308,444
293,549
278,469
263,200
266,490

ABONO

PAGO

312,500
316,406
320,361
5,000,000
5,000,000
8,000,000
5,000,000
5,000,000
5,000,000
5,000,000
5,000,000
411,866
4,082,986
365,977
1,129,448
1,500,000
1,162,317
1,176,846
1,191,556
1,206,451
1,221,531
263,200
266,490

5,324,366
5,261,866
8,511,866
5,411,866
5,349,366
5,286,866
5,224,366
5,474,366
4,500,000
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
-

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

21,585,666
19,885,666
30,134,236
28,710,914
27,269,801
25,810,673
24,333,307
31,137,473
28,026,691
24,877,025
21,687,988
13,459,088
21,759,088
20,059,088
20,309,826
18,309,826
18,538,699
18,770,433
19,005,063
19,242,627
19,483,159
18,226,699
16,954,533
15,666,464
14,362,295

269,821
248,571
376,678
358,886
340,873
322,633
304,166
389,218
350,334
310,963
271,100
168,239
271,989
250,739
253,873
228,873
231,734
234,630
237,563
240,533
243,539
227,834
211,932
195,831
179,529
14,507,105

1,700,000
248,571
1,423,322
1,441,114
1,459,127
1,477,367
3,195,834
3,110,782
3,149,666
3,189,037
8,228,900
1,700,000
1,700,000
250,739
2,000,000
228,873
231,734
234,630
237,563
240,533
1,256,461
1,272,166
1,288,068
1,304,169
1,320,471
91,958,176

1,969,821
1,800,000
1,800,000
1,800,000
1,800,000
3,500,000
3,500,000
3,500,000
3,500,000
8,500,000
1,868,239
1,971,989
2,253,873
1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
106,108,848

CREDITO REFACCIONARIO: ES UN DINERO QUE UTILIZARAN DE LOS BANCOS,

LOS INGENIEROS DURANTE EL PROYECTO DE UNA PLANTA. FASE III (CONSTRUCCION E INSTALACION)
QUE ES LA FASE MAS COSTOSA DE LA INVERSION
1o CREDITO (0)
2o CREDITO (10)
3o CREDITO (15)
4o CREDITO (20)
5o CREDITO (25)

P-GRACIA
TASA
MESES

20,000,000
20,000,000
20,000,000
5,000,000
5,000,000

5
1.95%
36

20,000,000
20,000,000
20,000,000
5,000,000
5,000,000
70,000,000

PAGO (7-11)
PAGO (21-25)
PAGO (32-33)
ABONO (26-29)
ABONO (30-33)
ABONO EXT (6)
PAGO EXT (13)
ABONO EXT (16)
ABONO EXT (24)
ABONO EXT (36)

1,500,000
1,800,000
1,500,000
1,700,000
2,000,000
3,000,000
2,500,000
1,500,000
1,700,000
5,000,000

ABONO (13-20)

2,750,000

IVA
MESES

ABONO EXT SE PONE COMO PAGO SIN F4

ABONO 14-20 f4 Y PAGO INT+ABONO Y SE BAJA

16%
SDO INICIAL
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

20,000,000
20,390,000
20,787,605
21,192,963
21,606,226
22,027,547
19,027,547
17,898,585
16,747,607
15,574,185
34,377,882
33,548,251
34,202,442
29,619,389
26,869,389
44,119,389
39,869,389
37,119,389
34,369,389
31,619,389
33,869,389
32,729,842
31,568,074
30,383,652
27,476,133
31,211,917
29,511,917
27,811,917
26,111,917
24,411,917
22,411,917
20,411,917
17,309,950
14,147,494
14,423,370
14,704,626

INTERESES
390,000
397,605
405,358
413,263
421,321
429,537
371,037
349,022
326,578
303,697
670,369
654,191
666,948
577,578
523,953
860,328
777,453
723,828
670,203
616,578
660,453
638,232
615,577
592,481
535,785
608,632
575,482
542,332
509,182
476,032
437,032
398,032
337,544
275,876
281,256
286,740

ABONO
-

PAGO
390,000
397,605
405,358
413,263
421,321
3,000,000
1,128,963
1,150,978
1,173,422
1,196,303
829,631
654,191
4,583,052
2,750,000
2,750,000
4,250,000
2,750,000
2,750,000
2,750,000
2,750,000
1,139,547
1,161,768
1,184,423
2,907,519
1,264,215
1,700,000
1,700,000
1,700,000
1,700,000
2,000,000
2,000,000
3,101,968
3,162,456
275,876
281,256
5,000,000

1,500,000
1,500,000
1,500,000
1,500,000
1,500,000
5,250,000
3,327,578
3,273,953
5,110,328
3,527,453
3,473,828
3,420,203
3,366,578
1,800,000
1,800,000
1,800,000
3,500,000
1,800,000
2,308,632
2,275,482
2,242,332
2,209,182
2,476,032
2,437,032
3,500,000
3,500,000
-

TRUCCION E INSTALACION)

10,500,000
16,200,000
7,500,000
3,000,000
2,500,000
2,000,000
1,500,000
1,700,000
5,000,000
11,900,000 MNIMO

ABONO

SDO FINAL

3,150,000

35,066,155

5,000,000

13,041,824

18,000,000 CORRECTO
79,800,000 MXIMO

SDO FINAL

25,000,000
25,312,500
25,628,906
25,949,268
20,949,268
40,949,268
32,949,268
27,949,268
22,949,268
17,949,268
37,949,268
32,949,268
33,361,133
29,278,148
29,644,124
28,514,676
27,014,676
25,852,359
24,675,514
23,483,958
22,277,507
21,055,976
21,319,176
21,585,666

IVA 16%

50,000
50,625
51,258
51,899
41,899
81,899
65,899
55,899
45,899
35,899
75,899
65,899
66,722
58,556
59,288
57,029
54,029
51,705
49,351
46,968
44,555
42,112
42,638

SDO FINAL + IVA 16%

25,362,500
25,679,531
26,000,525
21,001,166
40,991,166
33,031,166
28,015,166
23,005,166
17,995,166
37,985,166
33,025,166
33,427,032
29,344,870
29,702,681
28,573,964
27,071,705
25,906,389
24,727,219
23,533,309
22,324,475
21,100,531
21,361,288
21,628,304

19,885,666
30,134,236
28,710,914
27,269,801
25,810,673
24,333,307
31,137,473
28,026,691
24,877,025
21,687,988
13,459,088
21,759,088
20,059,088
20,309,826
18,309,826
18,538,699
18,770,433
19,005,063
19,242,627
19,483,159
18,226,699
16,954,533
15,666,464
14,362,295
13,041,824

43,171
39,771
60,268
57,422
54,540
51,621
48,667
62,275
56,053
49,754
43,376
26,918
43,518
40,118
40,620
36,620
37,077
37,541
38,010
38,485
38,966
36,453
33,909
31,333
28,725

19,928,837
30,174,008
28,771,183
27,327,223
25,865,213
24,384,928
31,186,140
28,088,966
24,933,078
21,737,742
13,502,464
21,786,006
20,102,606
20,349,945
18,350,446
18,575,319
18,807,510
19,042,604
19,280,637
19,521,645
18,265,665
16,990,986
15,700,373
14,393,628
13,070,548

E INSTALACION)

7,500,000
9,000,000
3,000,000
6,800,000
8,000,000
3,000,000
2,500,000
1,500,000
1,700,000
5,000,000 MNIMO
48,000,000 CORRECTO

ABONO

SDO FINAL

MXIMO

BONO Y SE BAJA

SDO FINAL
20,000,000
20,390,000
20,787,605
21,192,963
21,606,226
22,027,547
19,027,547
17,898,585
16,747,607
15,574,185
34,377,882
33,548,251
34,202,442
29,619,389
26,869,389
44,119,389
39,869,389
37,119,389
34,369,389
31,619,389
33,869,389
32,729,842
31,568,074
30,383,652
27,476,133
31,211,917
29,511,917
27,811,917
26,111,917
24,411,917
22,411,917
20,411,917
17,309,950
14,147,494
14,423,370
14,704,626
9,704,626

IVA 16%

SDO FINAL + IVA 16%