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VLM DE CONTADO 6,151,505

CUOTA INICIAL 2,460,602


periodo saldo interes pagos amortizacion
0 3,690,903
1 3,766,192 75,288.78 - 75,288.78
2 3,843,016 76,824.56 - 76,824.56
3 3,921,408 78,391.66 - 78,391.66
4 3,651,399 79,990.73 350,000 270,009.27
5 3,390,882 74,482.95 335,000 260,517.05
6 3,140,050 69,168.81 320,000 250,831.19
7 2,899,103 64,052.23 305,000 240,947.77
8 2,668,240 59,137.27 290,000 230,862.73
9 2,447,668 54,428.02 275,000 220,571.98
10 2,237,597 49,928.69 260,000 210,071.31
11 2,038,240 45,643.55 245,000 199,356.45
12 1,849,817 41,576.98 230,000 188,423.02
13 1,672,550 37,733.44 215,000 177,266.56
14 1,506,668 34,117.48 200,000 165,882.52
15 1,352,402 30,733.73 185,000 154,266.27
16 1,209,989 27,586.93 170,000 142,413.07
17 1,079,671 24,681.92 155,000 130,318.08
18 961,694 22,023.63 140,000 117,976.37
19 856,311 19,617.09 125,000 105,382.91
20 763,779 17,467.44 110,000 92,532.56
21 684,359 15,579.92 95,000 79,420.08
22 618,318 13,959.87 80,000 66,040.13
23 565,931 12,612.75 65,000 52,387.25
24 527,475 11,544.13 50,000 38,455.87
25 488,235 10,759.69 50,000 39,240.31
26 448,194 9,959.25 50,000 40,040.75
27 407,337 9,142.48 50,000 40,857.52
28 365,646 8,309.05 50,000 41,690.95
29 323,104 7,458.62 50,000 42,541.38
30 279,695 6,590.84 50,000 43,409.16
31 235,401 5,705.36 50,000 44,294.64
32 190,202 4,801.81 50,000 45,198.19
33 144,082 3,879.84 50,000 46,120.16
34 97,021 2,939.06 50,000 47,060.94
35 49,000 1,979.09 50,000 48,020.91
36 - 0 999.53 50,000 49,000.47
tasa TEA 27.42% GRADIENTE 15,000 periodo saldo
TNM 24.48% 0 142,065
2.04% TEM 2.04% 1 140,390
2.04% 2 138,130
2.04% 3 135,273
2.04% TEA 32% 4 131,802
2.04% TNM 28.1% 5 127,705
2.04% TEM 2.34% 6 122,967
2.04% 7 117,573
2.04% 8 111,506
2.04% 9 104,752
2.04% 545.454545 10 97,295
2.04% 11 89,118
2.04% 12 80,204
2.04% 360 13 71,441
2.04% 14 62,833
2.04% 15 54,384
2.04% 16 46,097
2.04% 17 37,976
2.04% 18 30,024
2.04% 19 22,247
2.04% 20 14,648
2.04% 21 7,231
2.04% 22 - 0
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
2.04%
interes pagos amortizaciontasa

3,325.12 5,000 1,674.88 2.34%


3,285.92 5,545 2,259.53 2.34%
3,233.04 6,091 2,857.87 2.34%
3,166.15 6,636 3,470.22 2.34%
3,084.92 7,182 4,096.89 2.34%
2,989.03 7,727 4,738.24 2.34%
2,878.13 8,273 5,394.60 2.34%
2,751.87 8,818 6,066.31 2.34%
2,609.88 9,364 6,753.76 2.34%
2,451.80 9,909 7,457.29 2.34%
2,277.26 10,455 8,177.28 2.34%
2,085.87 11,000 8,914.13 2.34%
1,877.23 10,640 8,762.77 2.34%
1,672.13 10,280 8,607.87 2.34%
1,470.65 9,920 8,449.35 2.34%
1,272.89 9,560 8,287.11 2.34%
1,078.92 9,200 8,121.08 2.34%
888.85 8,840 7,951.15 2.34%
702.74 8,480 7,777.26 2.34%
520.71 8,120 7,599.29 2.34%
342.84 7,760 7,417.16 2.34%
169.24 7,400 7,230.76 2.34%
VLM DE CONTADO 1,889,250
CUOTA INICIAL 450,000
periodo saldo interes pagos amortizacion
0 1,439,250
1 1,436,606 37,355.50 40,000 2,644.50
2 1,433,893 37,286.87 40,000 2,713.13
3 1,431,109 37,216.45 40,000 2,783.55
4 1,428,253 37,144.20 40,000 2,855.80
5 1,425,323 37,070.08 40,000 2,929.92
6 1,422,317 36,994.03 40,000 3,005.97
7 1,419,234 36,916.02 40,000 3,083.98
8 1,416,069 36,835.97 40,000 3,164.03
9 1,412,823 36,753.85 40,000 3,246.15
10 1,409,493 36,669.60 40,000 3,330.40
11 1,406,076 36,583.16 40,000 3,416.84
12 1,402,571 36,494.47 40,000 3,505.53
13 1,398,974 36,403.49 40,000 3,596.51
14 1,395,284 36,310.14 40,000 3,689.86
15 1,391,499 36,214.37 40,000 3,785.63
16 1,387,615 36,116.11 40,000 3,883.89
17 1,383,630 36,015.31 40,000 3,984.69
18 1,379,542 35,911.89 40,000 4,088.11
19 1,415,348 35,805.78 - 35,805.78
20 1,452,083 36,735.11 - 36,735.11
21 1,339,771 37,688.57 150,000 112,311.43
22 1,374,545 34,773.54 - 34,773.54
23 1,410,221 35,676.08 - 35,676.08
24 1,286,823 36,602.05 160,000 123,397.95
25 1,320,222 33,399.28 - 33,399.28
26 1,354,488 34,266.15 - 34,266.15
27 1,219,644 35,155.52 170,000 134,844.48
28 1,251,300 31,655.66 - 31,655.66
29 1,283,777 32,477.27 - 32,477.27
30 1,137,097 33,320.22 180,000 146,679.78
31 1,166,610 29,513.17 - 29,513.17
32 1,196,889 30,279.18 - 30,279.18
33 1,037,955 31,065.07 190,000 158,934.93
34 1,064,894 26,939.94 - 26,939.94
35 1,092,534 27,639.16 - 27,639.16
36 920,890 28,356.53 200,000 171,643.47
37 944,792 23,901.55 - 23,901.55
38 969,314 24,521.91 - 24,521.91
39 784,472 25,158.37 210,000 184,841.63
40 804,833 20,360.84 - 20,360.84
41 825,722 20,889.30 - 20,889.30
42 627,154 21,431.48 220,000 198,568.52
43 643,431 16,277.67 - 16,277.67
44 660,131 16,700.15 - 16,700.15
45 447,265 17,133.60 230,000 212,866.40
46 458,874 11,608.69 - 11,608.69
47 470,784 11,909.99 - 11,909.99
48 243,003 12,219.11 240,000 227,780.89
49 249,310 6,307.10 - 6,307.10
50 255,781 6,470.80 - 6,470.80
51 262,419 6,638.75 - 6,638.75
52 269,231 6,811.05 - 6,811.05
53 276,218 6,987.83 - 6,987.83
54 - 0 7,169.20 283,388 276,218.35
Vdecontado 222,222
CUOTA INI 450,000
tasa TEA 36.00% GRADIENTE 10,000 periodo
TNM 31.15% 0
2.60% TEM 2.60% 1
2.60% 2
2.60% 3
2.60% TNM 38% 48 4
2.60% TEM 3.17% 5
2.60% 6
2.60% 7
2.60% 8
2.60% 9
2.60% 10
2.60% 11
2.60% 12
2.60% 13
2.60% 14
2.60% 15
2.60% 16
2.60% 17
2.60% 18
2.60% 19
2.60% 20
2.60% 21
2.60% 22
2.60% 23
2.60% 24
2.60% 25
2.60% 26
2.60% 27
2.60% 28
2.60% 29
2.60% 30
2.60% 31
2.60% 32
2.60% 33
2.60% 34
2.60% 35
2.60% 36
2.60% 37
2.60% 38
2.60% 39
2.60% 40
2.60% 41
2.60% 42
2.60% 43
2.60% 44
2.60% 45
2.60% 46
2.60% 47
2.60% 48
2.60%
2.60%
2.60%
2.60%
2.60%
2.60%
GRADIENTE
saldo interes pagos
450,731
452,504 14,273.14 12,500
454,083 14,329.28 12,750
455,457 14,379.30 13,005
456,615 14,422.81 13,265
457,544 14,459.48 13,530
458,232 14,488.90 13,801
458,666 14,510.68 14,077
458,831 14,524.41 14,359
458,715 14,529.66 14,646
458,303 14,525.99 14,939
457,578 14,512.92 15,237
456,526 14,489.98 15,542
455,130 14,456.66 15,853
453,372 14,412.44 16,170
451,235 14,356.78 16,493
448,701 14,289.12 16,823
445,750 14,208.87 17,160
442,363 14,115.42 17,503
438,518 14,008.15 17,853
434,194 13,886.39 18,210
429,369 13,749.47 18,574
424,020 13,596.68 18,946
418,122 13,427.29 19,325
411,652 13,240.54 19,711
404,582 13,035.64 20,105
396,886 12,811.76 20,508
388,536 12,568.06 20,918
379,504 12,303.65 21,336
369,759 12,017.62 21,763
359,270 11,709.03 22,198
348,005 11,376.87 22,642
335,930 11,020.14 23,095
323,011 10,637.78 23,557
309,212 10,228.68 24,028
294,495 9,791.70 24,508
278,822 9,325.67 24,999
262,153 8,829.36 25,499
244,446 8,301.50 26,009
225,658 7,740.78 26,529
205,744 7,145.83 27,059
184,659 6,515.23 27,600
162,354 5,847.53 28,153
138,780 5,141.21 28,716
113,884 4,394.69 29,290
87,615 3,606.34 29,876
59,916 2,774.48 30,473
30,731 1,897.35 31,083
0 973.15 31,704
1.020
amortizacion tasa

- 1,773.14 3.17%
- 1,579.28 3.17%
- 1,374.30 3.17%
- 1,157.71 3.17%
- 929.07 3.17%
- 687.89 3.17%
- 433.65 3.17%
- 165.84 3.17%
116.08 3.17%
412.67 3.17%
724.51 3.17%
1,052.20 3.17%
1,396.37 3.17%
1,757.64 3.17%
2,136.70 3.17%
2,534.24 3.17%
2,950.95 3.17%
3,387.60 3.17%
3,844.93 3.17%
4,323.75 3.17%
4,824.87 3.17%
5,349.15 3.17%
5,897.45 3.17%
6,470.70 3.17%
7,069.83 3.17%
7,695.82 3.17%
8,349.67 3.17%
9,032.43 3.17%
9,745.18 3.17%
10,489.03 3.17%
11,265.15 3.17%
12,074.72 3.17%
12,918.98 3.17%
13,799.22 3.17%
14,716.75 3.17%
15,672.95 3.17%
16,669.23 3.17%
17,707.06 3.17%
18,787.96 3.17%
19,913.48 3.17%
21,085.26 3.17%
22,304.97 3.17%
23,574.35 3.17%
24,895.18 3.17%
26,269.32 3.17%
27,698.70 3.17%
29,185.29 3.17%
30,731.14 3.17%
GRADIENTE 5,000.00
PERIODOS SALDO
COSTOS MENSUALES ING MENSUALES UTILIDAD 0
1 45,000.00 75,000.00 30,000.00 1 30,000.00
2 50,000.00 83,333.33 33,333.33 2 63,333.33
3 55,000.00 91,666.67 36,666.67 3 100,766.97
4 60,000.00 100,000.00 40,000.00 4 142,386.11
5 65,000.00 108,333.33 43,333.33 5 188,295.61
6 70,000.00 116,666.67 46,666.67 6 238,602.45
7 75,000.00 125,000.00 50,000.00 7 293,416.32
8 80,000.00 133,333.33 53,333.33 8 352,849.65
9 85,000.00 141,666.67 56,666.67 9 417,017.65
10 90,000.00 150,000.00 60,000.00 10 486,038.44
11 95,000.00 158,333.33 63,333.33 11 560,033.04
12 100,000.00 166,666.67 66,666.67 12 639,125.53
13 105,000.00 175,000.00 70,000.00 13 723,443.06
14 110,000.00 183,333.33 73,333.33 14 813,115.96
15 115,000.00 191,666.67 76,666.67 15 908,277.82
16 120,000.00 200,000.00 80,000.00 16 1,009,065.55
17 125,000.00 208,333.33 83,333.33 17 1,115,619.47
18 130,000.00 216,666.67 86,666.67 18 1,228,083.41
19 135,000.00 225,000.00 90,000.00 19 1,346,604.80
20 140,000.00 233,333.33 93,333.33 20 1,471,334.71
21 145,000.00 241,666.67 96,666.67 21 1,602,428.02
22 150,000.00 250,000.00 100,000.00 22 1,740,043.44
23 155,000.00 258,333.33 103,333.33 23 1,884,343.67
24 160,000.00 266,666.67 106,666.67 24 2,035,495.44
25 165,000.00 275,000.00 110,000.00 25 2,193,669.65
26 170,000.00 283,333.33 113,333.33 26 2,359,041.47
27 175,000.00 291,666.67 116,666.67 27 2,531,790.42
28 180,000.00 300,000.00 120,000.00 28 2,712,100.52
29 185,000.00 308,333.33 123,333.33 29 2,900,160.38
30 190,000.00 316,666.67 126,666.67 30 3,096,163.28
31 195,000.00 325,000.00 130,000.00 31 3,300,307.37
32 200,000.00 333,333.33 133,333.33 32 3,512,795.70
33 205,000.00 341,666.67 136,666.67 33 3,733,836.42
34 210,000.00 350,000.00 140,000.00 34 3,963,642.84
35 215,000.00 358,333.33 143,333.33 35 4,202,433.61
36 220,000.00 366,666.67 146,666.67 36 4,450,432.84
37 225,000.00 375,000.00 150,000.00 37 4,707,870.20
38 230,000.00 383,333.33 153,333.33 38 4,974,981.13
39 235,000.00 391,666.67 156,666.67 39 5,252,006.91
40 240,000.00 400,000.00 160,000.00 40 5,539,194.85
41 245,000.00 408,333.33 163,333.33 41 5,836,798.43
42 250,000.00 416,666.67 166,666.67 42 6,145,077.45
43 255,000.00 425,000.00 170,000.00 43 6,464,298.19
44 260,000.00 433,333.33 173,333.33 44 6,794,733.58
45 265,000.00 441,666.67 176,666.67 45 7,136,663.34
46 270,000.00 450,000.00 180,000.00 46 7,490,374.18
47 275,000.00 458,333.33 183,333.33 47 7,856,159.97
48 280,000.00 466,666.67 186,666.67 48 8,234,321.89
INTERES DEPOSITO RETIROS TASA TEA 36.0%
TNM 31.1%
30,000.00 - 2.6% TEM 2.6%
778.65 33,333.33 11.68 2.6%
1,643.81 36,666.67 24.66 2.6%
2,615.39 40,000.00 39.23 2.6%
3,695.61 43,333.33 55.43 2.6%
4,887.18 46,666.67 73.31 2.6%
6,192.89 50,000.00 92.89 2.6%
7,615.57 53,333.33 114.23 2.6%
9,158.15 56,666.67 137.37 2.6%
10,823.62 60,000.00 162.35 2.6%
12,615.05 63,333.33 189.23 2.6%
14,535.56 66,666.67 218.03 2.6%
16,588.40 70,000.00 248.83 2.6%
18,776.84 73,333.33 281.65 2.6%
21,104.29 76,666.67 316.56 2.6%
23,574.20 80,000.00 353.61 2.6%
26,190.13 83,333.33 392.85 2.6%
28,955.72 86,666.67 434.34 2.6%
31,874.70 90,000.00 478.12 2.6%
34,950.90 93,333.33 524.26 2.6%
38,188.25 96,666.67 572.82 2.6%
41,590.75 100,000.00 623.86 2.6%
45,162.54 103,333.33 677.44 2.6%
48,907.83 106,666.67 733.62 2.6%
52,830.95 110,000.00 792.46 2.6%
56,936.33 113,333.33 854.04 2.6%
61,228.53 116,666.67 918.43 2.6%
65,712.20 120,000.00 985.68 2.6%
70,392.12 123,333.33 1,055.88 2.6%
75,273.18 126,666.67 1,129.10 2.6%
80,360.41 130,000.00 1,205.41 2.6%
85,658.93 133,333.33 1,284.88 2.6%
91,174.03 136,666.67 1,367.61 2.6%
96,911.11 140,000.00 1,453.67 2.6%
102,875.69 143,333.33 1,543.14 2.6%
109,073.47 146,666.67 1,636.10 2.6%
115,510.25 150,000.00 1,732.65 2.6%
122,191.99 153,333.33 1,832.88 2.6%
129,124.81 156,666.67 1,936.87 2.6%
136,314.97 160,000.00 2,044.72 2.6%
143,768.89 163,333.33 2,156.53 2.6%
151,493.14 166,666.67 2,272.40 2.6%
159,494.47 170,000.00 2,392.42 2.6%
167,779.79 173,333.33 2,516.70 2.6%
176,356.19 176,666.67 2,645.34 2.6%
185,230.92 180,000.00 2,778.46 2.6%
194,411.42 183,333.33 2,916.17 2.6%
203,905.33 186,666.67 3,058.58 2.6%