Banco A

Capital $ 135,000,000.00
Tasa de interes DTF + 4% periodo muerto
Sistema de pago Cuota fija + periodo muerto 12
Plazo 60

DTF E.A 4.45%

DTF (TTV) T.T.V 1.09%
DTF (TTA) T.T.A 1.08%
DTF (ATA) A.T.A 4.33%
Puntos T.A 4%
DTF + Puntos T.A 8.33%
Periodica trimestre anticipado T.T.A 2.08%
periodica trimestre vencido T.T.V 2.13%
Tasa efectiva anual E.A 8.78%
Periodica mes vencido 0.70%
Periodo de amortización 48
Capital dentro de 12 meses $146,856,605
Periodo Saldo Inicial Cuota Interés Abono Saldo Final
1 $ 135,000,000.00 $ - $ 950,375.46 -$ 950,375.46 $ 135,950,375.46
2 $ 135,950,375.46 $ - $ 957,065.93 -$ 957,065.93 $ 136,907,441.39
3 $ 136,907,441.39 $ - $ 963,803.50 -$ 963,803.50 $ 137,871,244.90
4 $ 137,871,244.90 $ - $ 970,588.50 -$ 970,588.50 $ 138,841,833.40
5 $ 138,841,833.40 $ - $ 977,421.27 -$ 977,421.27 $ 139,819,254.67
6 $ 139,819,254.67 $ - $ 984,302.14 -$ 984,302.14 $ 140,803,556.81
7 $ 140,803,556.81 $ - $ 991,231.45 -$ 991,231.45 $ 141,794,788.26
8 $ 141,794,788.26 $ - $ 998,209.54 -$ 998,209.54 $ 142,792,997.79
9 $ 142,792,997.79 $ - $ 1,005,236.75 -$ 1,005,236.75 $ 143,798,234.54
10 $ 143,798,234.54 $ - $ 1,012,313.43 -$ 1,012,313.43 $ 144,810,547.98
11 $ 144,810,547.98 $ - $ 1,019,439.94 -$ 1,019,439.94 $ 145,829,987.92
12 $ 145,829,987.92 $ - $ 1,026,616.61 -$ 1,026,616.61 $ 146,856,604.52
13 $ 146,856,604.52 $ 3,616,146.73 $ 1,033,843.80 $ 2,582,302.93 $ 144,274,301.60
14 $ 144,274,301.60 $ 3,616,146.73 $ 1,015,664.86 $ 2,600,481.87 $ 141,673,819.72
15 $ 141,673,819.72 $ 3,616,146.73 $ 997,357.94 $ 2,618,788.79 $ 139,055,030.93
16 $ 139,055,030.93 $ 3,616,146.73 $ 978,922.14 $ 2,637,224.59 $ 136,417,806.34
17 $ 136,417,806.34 $ 3,616,146.73 $ 960,356.56 $ 2,655,790.17 $ 133,762,016.17
18 $ 133,762,016.17 $ 3,616,146.73 $ 941,660.28 $ 2,674,486.45 $ 131,087,529.72
19 $ 131,087,529.72 $ 3,616,146.73 $ 922,832.38 $ 2,693,314.35 $ 128,394,215.37
20 $ 128,394,215.37 $ 3,616,146.73 $ 903,871.94 $ 2,712,274.79 $ 125,681,940.58
21 $ 125,681,940.58 $ 3,616,146.73 $ 884,778.02 $ 2,731,368.71 $ 122,950,571.87
22 $ 122,950,571.87 $ 3,616,146.73 $ 865,549.68 $ 2,750,597.05 $ 120,199,974.81
23 $ 120,199,974.81 $ 3,616,146.73 $ 846,185.97 $ 2,769,960.76 $ 117,430,014.06
24 $ 117,430,014.06 $ 3,616,146.73 $ 826,685.95 $ 2,789,460.78 $ 114,640,553.28
25 $ 114,640,553.28 $ 3,616,146.73 $ 807,048.66 $ 2,809,098.07 $ 111,831,455.21
26 $ 111,831,455.21 $ 3,616,146.73 $ 787,273.12 $ 2,828,873.61 $ 109,002,581.59
27 $ 109,002,581.59 $ 3,616,146.73 $ 767,358.36 $ 2,848,788.37 $ 106,153,793.22
28 $ 106,153,793.22 $ 3,616,146.73 $ 747,303.41 $ 2,868,843.32 $ 103,284,949.90
29 $ 103,284,949.90 $ 3,616,146.73 $ 727,107.27 $ 2,889,039.46 $ 100,395,910.44
30 $ 100,395,910.44 $ 3,616,146.73 $ 706,768.96 $ 2,909,377.77 $ 97,486,532.67
31 $ 97,486,532.67 $ 3,616,146.73 $ 686,287.47 $ 2,929,859.26 $ 94,556,673.41
32 $ 94,556,673.41 $ 3,616,146.73 $ 665,661.79 $ 2,950,484.94 $ 91,606,188.47
33 $ 91,606,188.47 $ 3,616,146.73 $ 644,890.92 $ 2,971,255.82 $ 88,634,932.66
34 $ 88,634,932.66 $ 3,616,146.73 $ 623,973.82 $ 2,992,172.92 $ 85,642,759.74
35 $ 85,642,759.74 $ 3,616,146.73 $ 602,909.46 $ 3,013,237.27 $ 82,629,522.47
36 $ 82,629,522.47 $ 3,616,146.73 $ 581,696.82 $ 3,034,449.91 $ 79,595,072.56
37 $ 79,595,072.56 $ 3,616,146.73 $ 560,334.84 $ 3,055,811.89 $ 76,539,260.67
38 $ 76,539,260.67 $ 3,616,146.73 $ 538,822.48 $ 3,077,324.25 $ 73,461,936.42
39 $ 73,461,936.42 $ 3,616,146.73 $ 517,158.68 $ 3,098,988.05 $ 70,362,948.37
40 $ 70,362,948.37 $ 3,616,146.73 $ 495,342.37 $ 3,120,804.36 $ 67,242,144.01
41 $ 67,242,144.01 $ 3,616,146.73 $ 473,372.47 $ 3,142,774.26 $ 64,099,369.75
42 $ 64,099,369.75 $ 3,616,146.73 $ 451,247.91 $ 3,164,898.82 $ 60,934,470.93
43 $ 60,934,470.93 $ 3,616,146.73 $ 428,967.60 $ 3,187,179.13 $ 57,747,291.80
44 $ 57,747,291.80 $ 3,616,146.73 $ 406,530.44 $ 3,209,616.29 $ 54,537,675.50
45 $ 54,537,675.50 $ 3,616,146.73 $ 383,935.32 $ 3,232,211.41 $ 51,305,464.09
46 $ 51,305,464.09 $ 3,616,146.73 $ 361,181.14 $ 3,254,965.59 $ 48,050,498.51
47 $ 48,050,498.51 $ 3,616,146.73 $ 338,266.78 $ 3,277,879.96 $ 44,772,618.55
48 $ 44,772,618.55 $ 3,616,146.73 $ 315,191.10 $ 3,300,955.63 $ 41,471,662.91
49 $ 41,471,662.91 $ 3,616,146.73 $ 291,952.97 $ 3,324,193.76 $ 38,147,469.15
50 $ 38,147,469.15 $ 3,616,146.73 $ 268,551.25 $ 3,347,595.48 $ 34,799,873.67
51 $ 34,799,873.67 $ 3,616,146.73 $ 244,984.79 $ 3,371,161.95 $ 31,428,711.72
52 $ 31,428,711.72 $ 3,616,146.73 $ 221,252.42 $ 3,394,894.31 $ 28,033,817.41
53 $ 28,033,817.41 $ 3,616,146.73 $ 197,352.98 $ 3,418,793.75 $ 24,615,023.66
54 $ 24,615,023.66 $ 3,616,146.73 $ 173,285.29 $ 3,442,861.44 $ 21,172,162.22
55 $ 21,172,162.22 $ 3,616,146.73 $ 149,048.17 $ 3,467,098.56 $ 17,705,063.66
56 $ 17,705,063.66 $ 3,616,146.73 $ 124,640.43 $ 3,491,506.30 $ 14,213,557.36
57 $ 14,213,557.36 $ 3,616,146.73 $ 100,060.86 $ 3,516,085.87 $ 10,697,471.49
58 $ 10,697,471.49 $ 3,616,146.73 $ 75,308.25 $ 3,540,838.48 $ 7,156,633.01
59 $ 7,156,633.01 $ 3,616,146.73 $ 50,381.40 $ 3,565,765.34 $ 3,590,867.68
60 $ 3,590,867.68 $ 3,616,146.73 $ 25,279.06 $ 3,590,867.68 $ -
 Banco B Periodo
Capital $ 135,000,000.00 1
Tasa de interes IPC + 5% 2
Sistema de pago Cuota fija + periodo de gracia 3
Plazo 48 4
5
IPC 3.75% 6
Puntos 5% 7
Tasa combinada 8.94% E.A 8
Tasa pediodica mes vencida 0.72% 9
Periodo de gracia 6 10
Periodo de abono 42 11
12
Cuota $ 3,733,117.91 13
14
15
16
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18
19
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22
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48
Saldo Inicial Cuota Interés Abono Saldo Final
$ 135,000,000.00 $ 966,489.76 $ 966,489.76 $ - $ 135,000,000.00
$ 135,000,000.00 $ 966,489.76 $ 966,489.76 $ - $ 135,000,000.00
$ 135,000,000.00 $ 966,489.76 $ 966,489.76 $ - $ 135,000,000.00
$ 135,000,000.00 $ 966,489.76 $ 966,489.76 $ - $ 135,000,000.00
$ 135,000,000.00 $ 966,489.76 $ 966,489.76 $ - $ 135,000,000.00
$ 135,000,000.00 $ 966,489.76 $ 966,489.76 $ - $ 135,000,000.00
$ 135,000,000.00 $ 3,733,117.91 $ 966,489.76 $ 2,766,628.15 $ 132,233,371.85
$ 132,233,371.85 $ 3,733,117.91 $ 946,682.96 $ 2,786,434.95 $ 129,446,936.90
$ 129,446,936.90 $ 3,733,117.91 $ 926,734.36 $ 2,806,383.55 $ 126,640,553.35
$ 126,640,553.35 $ 3,733,117.91 $ 906,642.95 $ 2,826,474.96 $ 123,814,078.38
$ 123,814,078.38 $ 3,733,117.91 $ 886,407.69 $ 2,846,710.22 $ 120,967,368.17
$ 120,967,368.17 $ 3,733,117.91 $ 866,027.57 $ 2,867,090.34 $ 118,100,277.83
$ 118,100,277.83 $ 3,733,117.91 $ 845,501.55 $ 2,887,616.36 $ 115,212,661.47
$ 115,212,661.47 $ 3,733,117.91 $ 824,828.57 $ 2,908,289.34 $ 112,304,372.13
$ 112,304,372.13 $ 3,733,117.91 $ 804,007.60 $ 2,929,110.31 $ 109,375,261.81
$ 109,375,261.81 $ 3,733,117.91 $ 783,037.56 $ 2,950,080.35 $ 106,425,181.46
$ 106,425,181.46 $ 3,733,117.91 $ 761,917.39 $ 2,971,200.52 $ 103,453,980.94
$ 103,453,980.94 $ 3,733,117.91 $ 740,646.02 $ 2,992,471.89 $ 100,461,509.05
$ 100,461,509.05 $ 3,733,117.91 $ 719,222.37 $ 3,013,895.54 $ 97,447,613.51
$ 97,447,613.51 $ 3,733,117.91 $ 697,645.34 $ 3,035,472.57 $ 94,412,140.94
$ 94,412,140.94 $ 3,733,117.91 $ 675,913.83 $ 3,057,204.08 $ 91,354,936.86
$ 91,354,936.86 $ 3,733,117.91 $ 654,026.75 $ 3,079,091.16 $ 88,275,845.69
$ 88,275,845.69 $ 3,733,117.91 $ 631,982.97 $ 3,101,134.94 $ 85,174,710.75
$ 85,174,710.75 $ 3,733,117.91 $ 609,781.38 $ 3,123,336.54 $ 82,051,374.21
$ 82,051,374.21 $ 3,733,117.91 $ 587,420.84 $ 3,145,697.08 $ 78,905,677.14
$ 78,905,677.14 $ 3,733,117.91 $ 564,900.21 $ 3,168,217.70 $ 75,737,459.44
$ 75,737,459.44 $ 3,733,117.91 $ 542,218.36 $ 3,190,899.55 $ 72,546,559.89
$ 72,546,559.89 $ 3,733,117.91 $ 519,374.13 $ 3,213,743.78 $ 69,332,816.11
$ 69,332,816.11 $ 3,733,117.91 $ 496,366.35 $ 3,236,751.57 $ 66,096,064.54
$ 66,096,064.54 $ 3,733,117.91 $ 473,193.85 $ 3,259,924.06 $ 62,836,140.48
$ 62,836,140.48 $ 3,733,117.91 $ 449,855.45 $ 3,283,262.46 $ 59,552,878.02
$ 59,552,878.02 $ 3,733,117.91 $ 426,349.98 $ 3,306,767.94 $ 56,246,110.08
$ 56,246,110.08 $ 3,733,117.91 $ 402,676.22 $ 3,330,441.69 $ 52,915,668.39
$ 52,915,668.39 $ 3,733,117.91 $ 378,832.97 $ 3,354,284.94 $ 49,561,383.45
$ 49,561,383.45 $ 3,733,117.91 $ 354,819.03 $ 3,378,298.88 $ 46,183,084.58
$ 46,183,084.58 $ 3,733,117.91 $ 330,633.17 $ 3,402,484.74 $ 42,780,599.84
$ 42,780,599.84 $ 3,733,117.91 $ 306,274.16 $ 3,426,843.75 $ 39,353,756.09
$ 39,353,756.09 $ 3,733,117.91 $ 281,740.76 $ 3,451,377.15 $ 35,902,378.93
$ 35,902,378.93 $ 3,733,117.91 $ 257,031.72 $ 3,476,086.20 $ 32,426,292.73
$ 32,426,292.73 $ 3,733,117.91 $ 232,145.78 $ 3,500,972.13 $ 28,925,320.60
$ 28,925,320.60 $ 3,733,117.91 $ 207,081.68 $ 3,526,036.24 $ 25,399,284.36
$ 25,399,284.36 $ 3,733,117.91 $ 181,838.14 $ 3,551,279.78 $ 21,848,004.59
$ 21,848,004.59 $ 3,733,117.91 $ 156,413.87 $ 3,576,704.04 $ 18,271,300.55
$ 18,271,300.55 $ 3,733,117.91 $ 130,807.59 $ 3,602,310.32 $ 14,668,990.23
$ 14,668,990.23 $ 3,733,117.91 $ 105,017.99 $ 3,628,099.92 $ 11,040,890.31
$ 11,040,890.31 $ 3,733,117.91 $ 79,043.76 $ 3,654,074.15 $ 7,386,816.15
$ 7,386,816.15 $ 3,733,117.91 $ 52,883.57 $ 3,680,234.34 $ 3,706,581.81
$ 3,706,581.81 $ 3,733,117.91 $ 26,536.10 $ 3,706,581.81 $ 0.00
 Banco C Periodo
Capital $ 135,000,000.00 1
Tasa de interes 11% 2
Siestema de pago Amortización constante a capital 3
Plazo 72 4
Tasa de interes efectiva anual 11% 5
Tasa de interes peridica mensual 0.87% 6
7
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72
Saldo Inicial Cuota Interés Abono Saldo Final
$ 135,000,000.00 $ 3,054,170.17 $ 1,179,170.17 $ 1,875,000.00 $ 133,125,000.00
$ 133,125,000.00 $ 3,037,792.80 $ 1,162,792.80 $ 1,875,000.00 $ 131,250,000.00
$ 131,250,000.00 $ 3,021,415.44 $ 1,146,415.44 $ 1,875,000.00 $ 129,375,000.00
$ 129,375,000.00 $ 3,005,038.08 $ 1,130,038.08 $ 1,875,000.00 $ 127,500,000.00
$ 127,500,000.00 $ 2,988,660.71 $ 1,113,660.71 $ 1,875,000.00 $ 125,625,000.00
$ 125,625,000.00 $ 2,972,283.35 $ 1,097,283.35 $ 1,875,000.00 $ 123,750,000.00
$ 123,750,000.00 $ 2,955,905.99 $ 1,080,905.99 $ 1,875,000.00 $ 121,875,000.00
$ 121,875,000.00 $ 2,939,528.62 $ 1,064,528.62 $ 1,875,000.00 $ 120,000,000.00
$ 120,000,000.00 $ 2,923,151.26 $ 1,048,151.26 $ 1,875,000.00 $ 118,125,000.00
$ 118,125,000.00 $ 2,906,773.90 $ 1,031,773.90 $ 1,875,000.00 $ 116,250,000.00
$ 116,250,000.00 $ 2,890,396.53 $ 1,015,396.53 $ 1,875,000.00 $ 114,375,000.00
$ 114,375,000.00 $ 2,874,019.17 $ 999,019.17 $ 1,875,000.00 $ 112,500,000.00
$ 112,500,000.00 $ 2,857,641.81 $ 982,641.81 $ 1,875,000.00 $ 110,625,000.00
$ 110,625,000.00 $ 2,841,264.44 $ 966,264.44 $ 1,875,000.00 $ 108,750,000.00
$ 108,750,000.00 $ 2,824,887.08 $ 949,887.08 $ 1,875,000.00 $ 106,875,000.00
$ 106,875,000.00 $ 2,808,509.71 $ 933,509.71 $ 1,875,000.00 $ 105,000,000.00
$ 105,000,000.00 $ 2,792,132.35 $ 917,132.35 $ 1,875,000.00 $ 103,125,000.00
$ 103,125,000.00 $ 2,775,754.99 $ 900,754.99 $ 1,875,000.00 $ 101,250,000.00
$ 101,250,000.00 $ 2,759,377.62 $ 884,377.62 $ 1,875,000.00 $ 99,375,000.00
$ 99,375,000.00 $ 2,743,000.26 $ 868,000.26 $ 1,875,000.00 $ 97,500,000.00
$ 97,500,000.00 $ 2,726,622.90 $ 851,622.90 $ 1,875,000.00 $ 95,625,000.00
$ 95,625,000.00 $ 2,710,245.53 $ 835,245.53 $ 1,875,000.00 $ 93,750,000.00
$ 93,750,000.00 $ 2,693,868.17 $ 818,868.17 $ 1,875,000.00 $ 91,875,000.00
$ 91,875,000.00 $ 2,677,490.81 $ 802,490.81 $ 1,875,000.00 $ 90,000,000.00
$ 90,000,000.00 $ 2,661,113.44 $ 786,113.44 $ 1,875,000.00 $ 88,125,000.00
$ 88,125,000.00 $ 2,644,736.08 $ 769,736.08 $ 1,875,000.00 $ 86,250,000.00
$ 86,250,000.00 $ 2,628,358.72 $ 753,358.72 $ 1,875,000.00 $ 84,375,000.00
$ 84,375,000.00 $ 2,611,981.35 $ 736,981.35 $ 1,875,000.00 $ 82,500,000.00
$ 82,500,000.00 $ 2,595,603.99 $ 720,603.99 $ 1,875,000.00 $ 80,625,000.00
$ 80,625,000.00 $ 2,579,226.63 $ 704,226.63 $ 1,875,000.00 $ 78,750,000.00
$ 78,750,000.00 $ 2,562,849.26 $ 687,849.26 $ 1,875,000.00 $ 76,875,000.00
$ 76,875,000.00 $ 2,546,471.90 $ 671,471.90 $ 1,875,000.00 $ 75,000,000.00
$ 75,000,000.00 $ 2,530,094.54 $ 655,094.54 $ 1,875,000.00 $ 73,125,000.00
$ 73,125,000.00 $ 2,513,717.17 $ 638,717.17 $ 1,875,000.00 $ 71,250,000.00
$ 71,250,000.00 $ 2,497,339.81 $ 622,339.81 $ 1,875,000.00 $ 69,375,000.00
$ 69,375,000.00 $ 2,480,962.45 $ 605,962.45 $ 1,875,000.00 $ 67,500,000.00
$ 67,500,000.00 $ 2,464,585.08 $ 589,585.08 $ 1,875,000.00 $ 65,625,000.00
$ 65,625,000.00 $ 2,448,207.72 $ 573,207.72 $ 1,875,000.00 $ 63,750,000.00
$ 63,750,000.00 $ 2,431,830.36 $ 556,830.36 $ 1,875,000.00 $ 61,875,000.00
$ 61,875,000.00 $ 2,415,452.99 $ 540,452.99 $ 1,875,000.00 $ 60,000,000.00
$ 60,000,000.00 $ 2,399,075.63 $ 524,075.63 $ 1,875,000.00 $ 58,125,000.00
$ 58,125,000.00 $ 2,382,698.27 $ 507,698.27 $ 1,875,000.00 $ 56,250,000.00
$ 56,250,000.00 $ 2,366,320.90 $ 491,320.90 $ 1,875,000.00 $ 54,375,000.00
$ 54,375,000.00 $ 2,349,943.54 $ 474,943.54 $ 1,875,000.00 $ 52,500,000.00
$ 52,500,000.00 $ 2,333,566.18 $ 458,566.18 $ 1,875,000.00 $ 50,625,000.00
$ 50,625,000.00 $ 2,317,188.81 $ 442,188.81 $ 1,875,000.00 $ 48,750,000.00
$ 48,750,000.00 $ 2,300,811.45 $ 425,811.45 $ 1,875,000.00 $ 46,875,000.00
$ 46,875,000.00 $ 2,284,434.09 $ 409,434.09 $ 1,875,000.00 $ 45,000,000.00
$ 45,000,000.00 $ 2,268,056.72 $ 393,056.72 $ 1,875,000.00 $ 43,125,000.00
$ 43,125,000.00 $ 2,251,679.36 $ 376,679.36 $ 1,875,000.00 $ 41,250,000.00
$ 41,250,000.00 $ 2,235,302.00 $ 360,302.00 $ 1,875,000.00 $ 39,375,000.00
$ 39,375,000.00 $ 2,218,924.63 $ 343,924.63 $ 1,875,000.00 $ 37,500,000.00
$ 37,500,000.00 $ 2,202,547.27 $ 327,547.27 $ 1,875,000.00 $ 35,625,000.00
$ 35,625,000.00 $ 2,186,169.90 $ 311,169.90 $ 1,875,000.00 $ 33,750,000.00
$ 33,750,000.00 $ 2,169,792.54 $ 294,792.54 $ 1,875,000.00 $ 31,875,000.00
$ 31,875,000.00 $ 2,153,415.18 $ 278,415.18 $ 1,875,000.00 $ 30,000,000.00
$ 30,000,000.00 $ 2,137,037.81 $ 262,037.81 $ 1,875,000.00 $ 28,125,000.00
$ 28,125,000.00 $ 2,120,660.45 $ 245,660.45 $ 1,875,000.00 $ 26,250,000.00
$ 26,250,000.00 $ 2,104,283.09 $ 229,283.09 $ 1,875,000.00 $ 24,375,000.00
$ 24,375,000.00 $ 2,087,905.72 $ 212,905.72 $ 1,875,000.00 $ 22,500,000.00
$ 22,500,000.00 $ 2,071,528.36 $ 196,528.36 $ 1,875,000.00 $ 20,625,000.00
$ 20,625,000.00 $ 2,055,151.00 $ 180,151.00 $ 1,875,000.00 $ 18,750,000.00
$ 18,750,000.00 $ 2,038,773.63 $ 163,773.63 $ 1,875,000.00 $ 16,875,000.00
$ 16,875,000.00 $ 2,022,396.27 $ 147,396.27 $ 1,875,000.00 $ 15,000,000.00
$ 15,000,000.00 $ 2,006,018.91 $ 131,018.91 $ 1,875,000.00 $ 13,125,000.00
$ 13,125,000.00 $ 1,989,641.54 $ 114,641.54 $ 1,875,000.00 $ 11,250,000.00
$ 11,250,000.00 $ 1,973,264.18 $ 98,264.18 $ 1,875,000.00 $ 9,375,000.00
$ 9,375,000.00 $ 1,956,886.82 $ 81,886.82 $ 1,875,000.00 $ 7,500,000.00
$ 7,500,000.00 $ 1,940,509.45 $ 65,509.45 $ 1,875,000.00 $ 5,625,000.00
$ 5,625,000.00 $ 1,924,132.09 $ 49,132.09 $ 1,875,000.00 $ 3,750,000.00
$ 3,750,000.00 $ 1,907,754.73 $ 32,754.73 $ 1,875,000.00 $ 1,875,000.00
$ 1,875,000.00 $ 1,891,377.36 $ 16,377.36 $ 1,875,000.00 $ -
 Banco Investigado Periodo
Capital $ 135,000,000.00 1
Tasa de interes 13.41% 2
Sistema de pago Cuota fija+periodo de gracia 3
Plazo 60 4
Tasa de interes efectiva anual 13.41% 5
Tasa de interes peridica mensual 1.05% 6
7
Perido de gracia 12 8
Periodo de abono 48 9
10
Cuota $ 3,598,314.69 11
12
Promedio primeras 12 cuotas $ 1,423,142.01 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
50
51
52
53
54
55
56
57
58
59
60
Saldo Inicial Cuota Interés Abono Saldo Final
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 1,423,142.01 $ 1,423,142.01 $ - $ 135,000,000.00
$ 135,000,000.00 $ 3,598,314.69 $ 1,423,142.01 $ 2,175,172.68 $ 132,824,827.32
$ 132,824,827.32 $ 3,598,314.69 $ 1,400,211.79 $ 2,198,102.90 $ 130,626,724.42
$ 130,626,724.42 $ 3,598,314.69 $ 1,377,039.84 $ 2,221,274.84 $ 128,405,449.57
$ 128,405,449.57 $ 3,598,314.69 $ 1,353,623.63 $ 2,244,691.06 $ 126,160,758.51
$ 126,160,758.51 $ 3,598,314.69 $ 1,329,960.56 $ 2,268,354.13 $ 123,892,404.38
$ 123,892,404.38 $ 3,598,314.69 $ 1,306,048.04 $ 2,292,266.65 $ 121,600,137.73
$ 121,600,137.73 $ 3,598,314.69 $ 1,281,883.44 $ 2,316,431.25 $ 119,283,706.48
$ 119,283,706.48 $ 3,598,314.69 $ 1,257,464.10 $ 2,340,850.59 $ 116,942,855.89
$ 116,942,855.89 $ 3,598,314.69 $ 1,232,787.34 $ 2,365,527.35 $ 114,577,328.54
$ 114,577,328.54 $ 3,598,314.69 $ 1,207,850.44 $ 2,390,464.25 $ 112,186,864.29
$ 112,186,864.29 $ 3,598,314.69 $ 1,182,650.66 $ 2,415,664.03 $ 109,771,200.27
$ 109,771,200.27 $ 3,598,314.69 $ 1,157,185.23 $ 2,441,129.46 $ 107,330,070.81
$ 107,330,070.81 $ 3,598,314.69 $ 1,131,451.35 $ 2,466,863.34 $ 104,863,207.47
$ 104,863,207.47 $ 3,598,314.69 $ 1,105,446.19 $ 2,492,868.50 $ 102,370,338.97
$ 102,370,338.97 $ 3,598,314.69 $ 1,079,166.89 $ 2,519,147.80 $ 99,851,191.17
$ 99,851,191.17 $ 3,598,314.69 $ 1,052,610.55 $ 2,545,704.14 $ 97,305,487.04
$ 97,305,487.04 $ 3,598,314.69 $ 1,025,774.27 $ 2,572,540.42 $ 94,732,946.62
$ 94,732,946.62 $ 3,598,314.69 $ 998,655.08 $ 2,599,659.61 $ 92,133,287.01
$ 92,133,287.01 $ 3,598,314.69 $ 971,250.01 $ 2,627,064.68 $ 89,506,222.33
$ 89,506,222.33 $ 3,598,314.69 $ 943,556.04 $ 2,654,758.65 $ 86,851,463.67
$ 86,851,463.67 $ 3,598,314.69 $ 915,570.12 $ 2,682,744.57 $ 84,168,719.11
$ 84,168,719.11 $ 3,598,314.69 $ 887,289.19 $ 2,711,025.50 $ 81,457,693.60
$ 81,457,693.60 $ 3,598,314.69 $ 858,710.12 $ 2,739,604.57 $ 78,718,089.03
$ 78,718,089.03 $ 3,598,314.69 $ 829,829.77 $ 2,768,484.92 $ 75,949,604.11
$ 75,949,604.11 $ 3,598,314.69 $ 800,644.98 $ 2,797,669.71 $ 73,151,934.40
$ 73,151,934.40 $ 3,598,314.69 $ 771,152.53 $ 2,827,162.16 $ 70,324,772.24
$ 70,324,772.24 $ 3,598,314.69 $ 741,349.17 $ 2,856,965.52 $ 67,467,806.72
$ 67,467,806.72 $ 3,598,314.69 $ 711,231.63 $ 2,887,083.06 $ 64,580,723.66
$ 64,580,723.66 $ 3,598,314.69 $ 680,796.60 $ 2,917,518.09 $ 61,663,205.57
$ 61,663,205.57 $ 3,598,314.69 $ 650,040.73 $ 2,948,273.96 $ 58,714,931.60
$ 58,714,931.60 $ 3,598,314.69 $ 618,960.64 $ 2,979,354.05 $ 55,735,577.55
$ 55,735,577.55 $ 3,598,314.69 $ 587,552.90 $ 3,010,761.79 $ 52,724,815.76
$ 52,724,815.76 $ 3,598,314.69 $ 555,814.08 $ 3,042,500.61 $ 49,682,315.15
$ 49,682,315.15 $ 3,598,314.69 $ 523,740.67 $ 3,074,574.02 $ 46,607,741.12
$ 46,607,741.12 $ 3,598,314.69 $ 491,329.14 $ 3,106,985.55 $ 43,500,755.58
$ 43,500,755.58 $ 3,598,314.69 $ 458,575.95 $ 3,139,738.74 $ 40,361,016.83
$ 40,361,016.83 $ 3,598,314.69 $ 425,477.47 $ 3,172,837.22 $ 37,188,179.62
$ 37,188,179.62 $ 3,598,314.69 $ 392,030.08 $ 3,206,284.61 $ 33,981,895.00
$ 33,981,895.00 $ 3,598,314.69 $ 358,230.09 $ 3,240,084.60 $ 30,741,810.41
$ 30,741,810.41 $ 3,598,314.69 $ 324,073.79 $ 3,274,240.90 $ 27,467,569.51
$ 27,467,569.51 $ 3,598,314.69 $ 289,557.42 $ 3,308,757.27 $ 24,158,812.24
$ 24,158,812.24 $ 3,598,314.69 $ 254,677.19 $ 3,343,637.50 $ 20,815,174.74
$ 20,815,174.74 $ 3,598,314.69 $ 219,429.26 $ 3,378,885.43 $ 17,436,289.31
$ 17,436,289.31 $ 3,598,314.69 $ 183,809.75 $ 3,414,504.94 $ 14,021,784.36
$ 14,021,784.36 $ 3,598,314.69 $ 147,814.74 $ 3,450,499.95 $ 10,571,284.42
$ 10,571,284.42 $ 3,598,314.69 $ 111,440.29 $ 3,486,874.40 $ 7,084,410.02
$ 7,084,410.02 $ 3,598,314.69 $ 74,682.38 $ 3,523,632.31 $ 3,560,777.71
$ 3,560,777.71 $ 3,598,314.69 $ 37,536.98 $ 3,560,777.71 $ 0.00
 Banco Investigado Periodo Saldo Inicial
Capital $ 135,000,000.00 1 $ 135,000,000.00
Tasa de interes 13.41% 2 $ 135,000,000.00
Sistema de pago Cuota fija+periodo de gracia 3 $ 135,000,000.00
Plazo 84 4 $ 135,000,000.00
Tasa de interes efectiva anual 13.41% 5 $ 135,000,000.00
Tasa de interes peridica mensual 1.05% 6 $ 135,000,000.00
7 $ 135,000,000.00
Perido de gracia 12 8 $ 135,000,000.00
Periodo de abono 72 9 $ 135,000,000.00
10 $ 135,000,000.00
Cuota $ 2,685,140.92 11 $ 135,000,000.00
12 $ 135,000,000.00
Promedio primeras 12 cuotas $ 1,423,142.01 13 $ 135,000,000.00
14 $ 133,738,001.09
15 $ 132,462,698.44
16 $ 131,173,951.83
17 $ 129,871,619.51
18 $ 128,555,558.27
19 $ 127,225,623.39
20 $ 125,881,668.61
21 $ 124,523,546.14
22 $ 123,151,106.62
23 $ 121,764,199.13
24 $ 120,362,671.15
25 $ 118,946,368.55
26 $ 117,515,135.59
27 $ 116,068,814.86
28 $ 114,607,247.32
29 $ 113,130,272.24
30 $ 111,637,727.19
31 $ 110,129,448.04
32 $ 108,605,268.93
33 $ 107,065,022.23
34 $ 105,508,538.57
35 $ 103,935,646.79
36 $ 102,346,173.91
37 $ 100,739,945.13
38 $ 99,116,783.82
39 $ 97,476,511.49
40 $ 95,818,947.74
41 $ 94,143,910.30
42 $ 92,451,214.96
43 $ 90,740,675.58
44 $ 89,012,104.04
45 $ 87,265,310.27
46 $ 85,500,102.15
47 $ 83,716,285.58
48 $ 81,913,664.38
49 $ 80,092,040.33
50 $ 78,251,213.09
51 $ 76,390,980.23
52 $ 74,511,137.18
53 $ 72,611,477.22
54 $ 70,691,791.44
55 $ 68,751,868.73
56 $ 66,791,495.75
57 $ 64,810,456.93
58 $ 62,808,534.40
59 $ 60,785,508.03
60 $ 58,741,155.33
61 $ 56,675,251.49
62 $ 54,587,569.32
63 $ 52,477,879.23
64 $ 50,345,949.24
65 $ 48,191,544.87
66 $ 46,014,429.22
67 $ 43,814,362.88
68 $ 41,591,103.88
69 $ 39,344,407.76
70 $ 37,074,027.42
71 $ 34,779,713.21
72 $ 32,461,212.82
73 $ 30,118,271.27
74 $ 27,750,630.92
75 $ 25,358,031.39
76 $ 22,940,209.58
77 $ 20,496,899.59
78 $ 18,027,832.74
79 $ 15,532,737.49
80 $ 13,011,339.47
81 $ 10,463,361.39
82 $ 7,888,523.05
83 $ 5,286,541.31
84 $ 2,657,130.01
 Cuota Interés
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 1,423,142.01 $ 1,423,142.01
$ 2,685,140.92 $ 1,423,142.01
$ 2,685,140.92 $ 1,409,838.28
$ 2,685,140.92 $ 1,396,394.30
$ 2,685,140.92 $ 1,382,808.60
$ 2,685,140.92 $ 1,369,079.69
$ 2,685,140.92 $ 1,355,206.04
$ 2,685,140.92 $ 1,341,186.14
$ 2,685,140.92 $ 1,327,018.45
$ 2,685,140.92 $ 1,312,701.40
$ 2,685,140.92 $ 1,298,233.43
$ 2,685,140.92 $ 1,283,612.94
$ 2,685,140.92 $ 1,268,838.32
$ 2,685,140.92 $ 1,253,907.95
$ 2,685,140.92 $ 1,238,820.19
$ 2,685,140.92 $ 1,223,573.38
$ 2,685,140.92 $ 1,208,165.84
$ 2,685,140.92 $ 1,192,595.87
$ 2,685,140.92 $ 1,176,861.77
$ 2,685,140.92 $ 1,160,961.81
$ 2,685,140.92 $ 1,144,894.23
$ 2,685,140.92 $ 1,128,657.27
$ 2,685,140.92 $ 1,112,249.14
$ 2,685,140.92 $ 1,095,668.04
$ 2,685,140.92 $ 1,078,912.14
$ 2,685,140.92 $ 1,061,979.61
$ 2,685,140.92 $ 1,044,868.58
$ 2,685,140.92 $ 1,027,577.17
$ 2,685,140.92 $ 1,010,103.48
$ 2,685,140.92 $ 992,445.58
$ 2,685,140.92 $ 974,601.54
$ 2,685,140.92 $ 956,569.39
Abono Saldo Final
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ - $ 135,000,000.00
$ 1,261,998.91 $ 133,738,001.09
$ 1,275,302.64 $ 132,462,698.44
$ 1,288,746.62 $ 131,173,951.83
$ 1,302,332.32 $ 129,871,619.51
$ 1,316,061.24 $ 128,555,558.27
$ 1,329,934.88 $ 127,225,623.39
$ 1,343,954.78 $ 125,881,668.61
$ 1,358,122.47 $ 124,523,546.14
$ 1,372,439.52 $ 123,151,106.62
$ 1,386,907.49 $ 121,764,199.13
$ 1,401,527.98 $ 120,362,671.15
$ 1,416,302.60 $ 118,946,368.55
$ 1,431,232.97 $ 117,515,135.59
$ 1,446,320.73 $ 116,068,814.86
$ 1,461,567.54 $ 114,607,247.32
$ 1,476,975.08 $ 113,130,272.24
$ 1,492,545.05 $ 111,637,727.19
$ 1,508,279.15 $ 110,129,448.04
$ 1,524,179.11 $ 108,605,268.93
$ 1,540,246.69 $ 107,065,022.23
$ 1,556,483.66 $ 105,508,538.57
$ 1,572,891.78 $ 103,935,646.79
$ 1,589,472.88 $ 102,346,173.91
$ 1,606,228.78 $ 100,739,945.13
$ 1,623,161.31 $ 99,116,783.82
$ 1,640,272.34 $ 97,476,511.49
$ 1,657,563.75 $ 95,818,947.74
$ 1,675,037.44 $ 94,143,910.30
$ 1,692,695.34 $ 92,451,214.96
$ 1,710,539.38 $ 90,740,675.58
$ 1,728,571.53 $ 89,012,104.04
$ 2,685,140.92 $ 938,347.15 $ 1,746,793.78 $ 87,265,310.27
$ 2,685,140.92 $ 919,932.81 $ 1,765,208.11 $ 85,500,102.15
$ 2,685,140.92 $ 901,324.35 $ 1,783,816.57 $ 83,716,285.58
$ 2,685,140.92 $ 882,519.72 $ 1,802,621.20 $ 81,913,664.38
$ 2,685,140.92 $ 863,516.87 $ 1,821,624.06 $ 80,092,040.33
$ 2,685,140.92 $ 844,313.68 $ 1,840,827.24 $ 78,251,213.09
$ 2,685,140.92 $ 824,908.06 $ 1,860,232.86 $ 76,390,980.23
$ 2,685,140.92 $ 805,297.87 $ 1,879,843.05 $ 74,511,137.18
$ 2,685,140.92 $ 785,480.96 $ 1,899,659.96 $ 72,611,477.22
$ 2,685,140.92 $ 765,455.14 $ 1,919,685.78 $ 70,691,791.44
$ 2,685,140.92 $ 745,218.21 $ 1,939,922.71 $ 68,751,868.73
$ 2,685,140.92 $ 724,767.95 $ 1,960,372.98 $ 66,791,495.75
$ 2,685,140.92 $ 704,102.10 $ 1,981,038.82 $ 64,810,456.93
$ 2,685,140.92 $ 683,218.40 $ 2,001,922.52 $ 62,808,534.40
$ 2,685,140.92 $ 662,114.55 $ 2,023,026.37 $ 60,785,508.03
$ 2,685,140.92 $ 640,788.22 $ 2,044,352.70 $ 58,741,155.33
$ 2,685,140.92 $ 619,237.08 $ 2,065,903.84 $ 56,675,251.49
$ 2,685,140.92 $ 597,458.75 $ 2,087,682.17 $ 54,587,569.32
$ 2,685,140.92 $ 575,450.84 $ 2,109,690.08 $ 52,477,879.23
$ 2,685,140.92 $ 553,210.92 $ 2,131,930.00 $ 50,345,949.24
$ 2,685,140.92 $ 530,736.56 $ 2,154,404.36 $ 48,191,544.87
$ 2,685,140.92 $ 508,025.27 $ 2,177,115.65 $ 46,014,429.22
$ 2,685,140.92 $ 485,074.57 $ 2,200,066.35 $ 43,814,362.88
$ 2,685,140.92 $ 461,881.93 $ 2,223,258.99 $ 41,591,103.88
$ 2,685,140.92 $ 438,444.79 $ 2,246,696.13 $ 39,344,407.76
$ 2,685,140.92 $ 414,760.59 $ 2,270,380.33 $ 37,074,027.42
$ 2,685,140.92 $ 390,826.71 $ 2,294,314.21 $ 34,779,713.21
$ 2,685,140.92 $ 366,640.53 $ 2,318,500.40 $ 32,461,212.82
$ 2,685,140.92 $ 342,199.37 $ 2,342,941.55 $ 30,118,271.27
$ 2,685,140.92 $ 317,500.57 $ 2,367,640.35 $ 27,750,630.92
$ 2,685,140.92 $ 292,541.40 $ 2,392,599.52 $ 25,358,031.39
$ 2,685,140.92 $ 267,319.11 $ 2,417,821.81 $ 22,940,209.58
$ 2,685,140.92 $ 241,830.93 $ 2,443,309.99 $ 20,496,899.59
$ 2,685,140.92 $ 216,074.07 $ 2,469,066.86 $ 18,027,832.74
$ 2,685,140.92 $ 190,045.67 $ 2,495,095.25 $ 15,532,737.49
$ 2,685,140.92 $ 163,742.90 $ 2,521,398.02 $ 13,011,339.47
$ 2,685,140.92 $ 137,162.84 $ 2,547,978.08 $ 10,463,361.39
$ 2,685,140.92 $ 110,302.59 $ 2,574,838.34 $ 7,888,523.05
$ 2,685,140.92 $ 83,159.17 $ 2,601,981.75 $ 5,286,541.31
$ 2,685,140.92 $ 55,729.62 $ 2,629,411.30 $ 2,657,130.01
$ 2,685,140.92 $ 28,010.91 $ 2,657,130.01 $ 0.00
 Entidad Tasa de Interés Plazo

Banco A DTF + 4% TA 60 meses

Banco B IPC + 5% 48 meses

Banco C 11% E.A. 72 meses

BANCO A
DTF E.A 4.45%
DTF (TTV) T.T.V (1+4,45%)^(1/4)-1
DTF (TTA) T.T.A 1,09%/(1,09%+1)
DTF (ATA) A.T.A 1,08%*4
Puntos T.A 4%
Periodo muerto 12
DTF + Puntos T.A 4,33%+4%
Periodica trimestre anticipado T.T.A 8,33%/4
periodica trimestre vencido T.T.V 2,08%/(1-2,08%)
Tasa efectiva anual E.A (1+2,13%)^4-1
Periodica mes vencido (1+8,78%)^(1/12)-1
Periodo de amortización 60-12
Capital dentro de 12 meses (-)VF(0,70%;12;0;135000000;0)

BANCO B
IPC 3.75% 3.75%
Puntos 5% 5%
Tasa combinada E.A (1+3,75%)*(1+5%)-1 8.94%
Tasa pediodica mes vencida (1+8,94%)^(1/12)-1 0.72%
Periodo de gracia 6 6
Periodo de abono 48-6 42

Cuota
135000000*((1+0,72%)^42*0,72%)/((1+0,72%)^(42-1)

BANCO C
Capital $ 135,000,000.00 $ 135,000,000.00
Tasa de interes 11% 11%
Siestema de pago Amortización constante
a capital Amortización constante a capital
Plazo 72 72
Tasa de interes efectiva anual (1+11%)^1-1 11%
Tasa de interes peridica mensual (1+11%)^(1/12)-1 0.87%

BANCO INVESTIGADO
Capital $ 135,000,000.00 $ 135,000,000.00
Tasa de interes 13.41% 13.41%
Sistema de pago Cuota fija+perido de Cuota fija+perido de gracia
gracia
Plazo 60 60
Tasa de interes efectiva anual 13.41% (1+13,41%)^1-1
Tasa de interes peridica mensual 1.05% (1+13,41%)^(1/12)-1

Perido de gracia 12
Periodo de abono 48 60-12
Formula
Cuota $ 3,598,314.69 135000000*((1+1,05%)^48*1,05%)/((1+1,05%)^(48-1)

Promedio primeras 12 cuotas PROMEDIO(Cuota 1 hasta la 12)

BANCO INVESTIGADO
Capital $ 135,000,000.00 $ 135,000,000.00
Tasa de interes 13.41% 13.41%
Sistema de pago Cuota fija+perido de Cuota fija+perido de gracia
gracia
Plazo 84 60+24

Tasa de interes efectiva anual 13.41% (1+13,41%)^1-1

Tasa de interes peridica mensual 1.05% (1+13,41%)^(1/12)-1

Perido de gracia 12
Periodo de abono 72 84-12
Formula
Cuota $ 2,685,140.92 135000000*((1+1,05%)^48*1,05%)/((1+1,05%)^(48-1)

Promedio primeras 12 cuotas PROMEDIO(Cuota 1 hasta la 12)

 Plazo antes del
Sistema de Pagos primer abono a
capital
Cuota Fija con Periodo 12 meses
Muerto
Cuota Fija con Periodo de 6 meses
Gracia

Amortización Constante a 0 meses

Capital

Para poder calcular la tasa efectiva anual del

1.09% banco A lo que se hizo fue coger el DTF que
daba el banco y pasarlo a Trimestre trimestre
1.08% vencido y anticipado, lo cual nos arroja el DTF
4.33% anual, con ese resultado le sumamos los
4% puntos que también se encuentran en anual.
También se sacó el periodco mes vencido y lo
12 que se hizo fue coger la tasa efectiva anual y
8.33% dividirla por 12 (equivalente a los meses) y
2.08% eso nos arroja el resultado.
Y para poder calcular el capital dentro de 12
2.13% meses se utilizo la formula de verdad.
8.78%
0.70%
48
$146,856,605

Para sacar la tasa del banco B lo que se hizo fue

buscar el IPC del mes de agosto que lo arrojaba la
página del banco y para su calculo lo que
hacemos es la formalula de tasa combinada,
consiste una multiplicación de que se da de la
suma del ipc y los puntos.
Para calcular la cuota lo que se hizo fue coger el
capital y multiplicarlo por la tasa peiodica vencida
elevado al periodo de abono.

El banco C no se necesita calcular la tasa, lo

unico que se hizo fue sacar la tasa
periodica mensual con su respectiva formula
que es la tasa anual elevado a la divicion
de los 12 meses.
 periodica mensual con su respectiva formula
que es la tasa anual elevado a la divicion
de los 12 meses.

El banco Investigado no se necesita calcular la tasa ya que

en banco la entrega en efectiva anual, lo
unico que se hizo fue sacar la tasa
periodica mensual con su respectiva formula
que es la tasa anual elevado a la divicion
de los 12 meses.
Se calcula la cuota y lo que se hizo fue coger el capital y
multiplicarlo por la tasa peiodica vencida elevado al
periodo de abono.
Y también sacamos el promedio de las primeras 12
cuotas.

%)^48*1,05%)/((1+1,05%)^(48-1)

Es exactamente lo mismo que el anterior lo único es

24 meses que el gerente
consiguió negociar
que el plazo aumenta 24 meses más.
El banco Investigado no se necesita calcular la tasa ya
que en banco la entrega en efectiva anual, lo
unico que se hizo fue sacar la tasa
periodica mensual con su respectiva formula
que es la tasa anual elevado a la divicion
de los 12 meses.
Se calcula la cuota y lo que se hizo fue coger el capital y
multiplicarlo por la tasa peiodica vencida elevado al
periodo de abono.
Y también sacamos el promedio de las primeras 12
cuotas.

05%)^48*1,05%)/((1+1,05%)^(48-1)