Vous êtes sur la page 1sur 8

saldo inicial 26,641,530.

12
Tasa de interes 26.94% EA
Tasa de interes 24.09% NAMV
2.01% M
Plazo 18 meses

Seguro
Period Beggining Deposit to
(months) balance Interest capital Share Final Balance
0 26,641,530.12 0 0 0 26,641,530.12
1 26,641,530.12 534,898 1,243,361 1,778,259 25,398,169
2 25,398,169.29 509,934 1,268,325 1,778,259 24,129,845
3 24,129,844.77 484,469 1,293,789 1,778,259 22,836,055
4 22,836,055.34 458,493 1,319,766 1,778,259 21,516,290
5 21,516,289.73 431,995 1,346,263 1,778,259 20,170,026
6 20,170,026.41 404,966 1,373,293 1,778,259 18,796,733
7 18,796,733.37 377,393 1,400,865 1,778,259 17,395,868
8 17,395,867.90 349,267 1,428,991 1,778,259 15,966,876
9 15,966,876.43 320,576 1,457,682 1,778,259 14,509,194
10 14,509,194.25 291,310 1,486,949 1,778,259 13,022,245
11 13,022,245.32 261,455 1,516,803 1,778,259 11,505,442
12 11,505,442.04 231,002 1,547,257 1,778,259 9,958,185
13 9,958,185.00 199,936 1,578,322 1,778,259 8,379,863
14 8,379,862.76 168,247 1,610,011 1,778,259 6,769,852
15 6,769,851.61 135,922 1,642,336 1,778,259 5,127,515
16 5,127,515.31 102,948 1,675,310 1,778,259 3,452,205
17 3,452,204.85 69,312 1,708,947 1,778,259 1,743,258
18 1,743,258.19 35,000 1,743,258 1,778,259 0
5,367,125
Life insurance Real Share Cash flow
0 0 26,641,530.12
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
15,897.00 1,794,155.62 -1,794,155.62
32,294,801.18
TIR 2.11%
Beggining
balance 26,641,530.12
Interest 10.03% EA
9.60% NAMV
0.80% M
Plazo 18 months

Period Beggining Deposit to


(months) balance Interest capital Share Final Balance
0 26,641,530.12 0 0 0 26,641,530.12
1 26,641,530.12 213,054 1,382,013 1,595,067 25,259,517
2 25,259,516.93 202,002 1,393,065 1,595,067 23,866,452
3 23,866,451.71 190,861 1,404,206 1,595,067 22,462,246
4 22,462,246.08 179,632 1,415,435 1,595,067 21,046,811
5 21,046,810.96 168,312 1,426,754 1,595,067 19,620,057
6 19,620,056.54 156,902 1,438,164 1,595,067 18,181,892
7 18,181,892.30 145,401 1,449,665 1,595,067 16,732,227
8 16,732,226.99 133,808 1,461,258 1,595,067 15,270,969
9 15,270,968.64 122,123 1,472,944 1,595,067 13,798,025
10 13,798,024.55 110,343 1,484,723 1,595,067 12,313,301
11 12,313,301.25 98,470 1,496,597 1,595,067 10,816,705
12 10,816,704.55 86,502 1,508,565 1,595,067 9,308,139
13 9,308,139.49 74,438 1,520,629 1,595,067 7,787,510
14 7,787,510.38 62,277 1,532,790 1,595,067 6,254,721
15 6,254,720.72 50,019 1,545,047 1,595,067 4,709,673
16 4,709,673.27 37,663 1,557,403 1,595,067 3,152,270
17 3,152,270.00 25,209 1,569,858 1,595,067 1,582,412
18 1,582,412.12 12,655 1,582,412 1,595,067 0
2,069,671
Life insurance Real Share Cash flow
0 0 26,641,530.12
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
13,000.00 1,608,066.74 -1,608,066.74
28,945,201.28
0.89%
Beggining
balance 26,641,530.12
Interest 16.50% EA
15.37% NAMV
1.28% M
Life insurance 106,507 5,917
18 months
Period Beggining Deposit to
(months) balance Interest capital Share Final Balance
0 26,641,530.12 0 0 0 26,641,530.12
1 26,641,530.12 341,227 1,325,438 1,666,665 25,316,092
2 25,316,091.83 324,251 1,342,415 1,666,665 23,973,677
3 23,973,677.21 307,057 1,359,608 1,666,665 22,614,069
4 22,614,068.82 289,643 1,377,022 1,666,665 21,237,046
5 21,237,046.46 272,006 1,394,659 1,666,665 19,842,387
6 19,842,387.07 254,143 1,412,522 1,666,665 18,429,865
7 18,429,864.76 236,051 1,430,614 1,666,665 16,999,251
8 16,999,250.74 217,728 1,448,937 1,666,665 15,550,313
9 15,550,313.30 199,170 1,467,496 1,666,665 14,082,818
10 14,082,817.73 180,374 1,486,291 1,666,665 12,596,526
11 12,596,526.36 161,337 1,505,328 1,666,665 11,091,198
12 11,091,198.44 142,057 1,524,608 1,666,665 9,566,590
13 9,566,590.14 122,530 1,544,136 1,666,665 8,022,455
14 8,022,454.53 102,752 1,563,913 1,666,665 6,458,542
15 6,458,541.50 82,722 1,583,944 1,666,665 4,874,598
16 4,874,597.73 62,434 1,604,231 1,666,665 3,270,367
17 3,270,366.68 41,887 1,624,778 1,666,665 1,645,588
18 1,645,588.49 21,077 1,645,588 1,666,665 0
3,358,446 26,641,530 29,999,976

30,190,644
Life insurance Real Share Cash flow
0 0 26,641,530.12
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
5,917.06 1,672,582.38 -1,672,582.38
30,106,482.93
1.32%
New option banks

FINAL DEBTS INTEREST


Av villas 32,294,801.18 5,367,125
Davivienda 28,945,201.28 2,069,671
BBVA 30,106,482.93 3,358,446

34,180,435 7,538,905.37

Saving 5,235,234.21 5,469,234.21


Actual debts

Debts Share periods(Months) Total Debt


Debt 1 367,542 3 1,102,626
Debt 2 914,764 16 14,636,225
Debt 3 768,399 24 18,441,584
Total actual
debts 34,180,435
Capital balance 26,641,530
only interests 7,538,905.37