Vous êtes sur la page 1sur 21

SIMULADOR PARA EL CÁLCULO DE CUOTAS DE CRÉDITOS CON TASA FIJA

DESEMBOLSO 50,000,000 VLR. VLR


SEGURO $ 57,500
PLAZO 48 CUOTA +
$ 1,388,970
TASA NMV 12.60% SEGURO
TASA MV 1.05%

Nro cuotas CUOTA MENSUAL SIN ABONO A ABONO A SALDO


SEGURO INTERES CAPITAL
50,000,000
1 1,331,470 525,000 806,470 49,193,530
2 1,331,470 516,532 814,938 48,378,593
3 1,331,470 507,975 823,494 47,555,099
4 1,331,470 499,329 832,141 46,722,957
5 1,331,470 490,591 840,879 45,882,079
6 1,331,470 481,762 849,708 45,032,371
7 1,331,470 472,840 858,630 44,173,742
8 1,331,470 463,824 867,645 43,306,096
9 1,331,470 454,714 876,756 42,429,341
10 1,331,470 445,508 885,962 41,543,379
11 1,331,470 436,205 895,264 40,648,115
12 1,331,470 426,805 904,664 39,743,451
13 1,331,470 417,306 914,163 38,829,287
14 1,331,470 407,708 923,762 37,905,525
15 1,331,470 398,008 933,462 36,972,064
16 1,331,470 388,207 943,263 36,028,801
17 1,331,470 378,302 953,167 35,075,634
18 1,331,470 368,294 963,175 34,112,458
19 1,331,470 358,181 973,289 33,139,169
20 1,331,470 347,961 983,508 32,155,661
21 1,331,470 337,634 993,835 31,161,826
22 1,331,470 327,199 1,004,270 30,157,555
23 1,331,470 316,654 1,014,815 29,142,740
24 1,331,470 305,999 1,025,471 28,117,269
25 1,331,470 295,231 1,036,238 27,081,031
26 1,331,470 284,351 1,047,119 26,033,912
27 1,331,470 273,356 1,058,114 24,975,799
28 1,331,470 262,246 1,069,224 23,906,575
29 1,331,470 251,019 1,080,451 22,826,125
30 1,331,470 239,674 1,091,795 21,734,329
31 1,331,470 228,210 1,103,259 20,631,070
32 1,331,470 216,626 1,114,843 19,516,227
33 1,331,470 204,920 1,126,549 18,389,678
34 1,331,470 193,092 1,138,378 17,251,300
35 1,331,470 181,139 1,150,331 16,100,969
36 1,331,470 169,060 1,162,409 14,938,559
37 1,331,470 156,855 1,174,615 13,763,945
38 1,331,470 144,521 1,186,948 12,576,996
39 1,331,470 132,058 1,199,411 11,377,585
40 1,331,470 119,465 1,212,005 10,165,580
41 1,331,470 106,739 1,224,731 8,940,849
42 1,331,470 93,879 1,237,591 7,703,259
43 1,331,470 80,884 1,250,585 6,452,673
44 1,331,470 67,753 1,263,717 5,188,957
45 1,331,470 54,484 1,276,986 3,911,971
46 1,331,470 41,076 1,290,394 2,621,577
47 1,331,470 27,527 1,303,943 1,317,634
48 1,331,470 13,835 1,317,634 0
49 1,331,470 0 1,331,470 -1,331,470
50 1,331,470 -13,980 1,345,450 -2,676,920
51 1,331,470 -28,108 1,359,577 -4,036,497
52 1,331,470 -42,383 1,373,853 -5,410,350
53 1,331,470 -56,809 1,388,278 -6,798,628
54 1,331,470 -71,386 1,402,855 -8,201,483
55 1,331,470 -86,116 1,417,585 -9,619,068
56 1,331,470 -101,000 1,432,470 -11,051,538
57 1,331,470 -116,041 1,447,511 -12,499,049
58 1,331,470 -131,240 1,462,710 -13,961,758
59 1,331,470 -146,598 1,478,068 -15,439,826
60 1,331,470 -162,118 1,493,588 -16,933,414
DESEMBOLS 30,000,000 VLR. VLR
SEGURO $ 25,500
PLAZO 60 CUOTA +
$ 674,784
TASA NMV 10.80% SEGURO
TASA MV 0.90%

Nro cuotas CUOTA MENSUAL SIN ABONO A ABONO A SALDO


SEGURO INTERES CAPITAL
30,000,000
1 649,284 270,000 379,284 29,620,716
2 649,284 266,586 382,698 29,238,018
3 649,284 263,142 386,142 28,851,875
4 649,284 259,667 389,618 28,462,258
5 649,284 256,160 393,124 28,069,134
6 649,284 252,622 396,662 27,672,471
7 649,284 249,052 400,232 27,272,239
8 649,284 245,450 403,834 26,868,405
9 649,284 241,816 407,469 26,460,936
10 649,284 238,148 411,136 26,049,800
11 649,284 234,448 414,836 25,634,964
12 649,284 230,715 418,570 25,216,394
13 649,284 226,948 422,337 24,794,057
14 649,284 223,147 426,138 24,367,919
15 649,284 219,311 429,973 23,937,946
16 649,284 215,442 433,843 23,504,103
17 649,284 211,537 437,747 23,066,356
18 649,284 207,597 441,687 22,624,669
19 649,284 203,622 445,662 22,179,006
20 649,284 199,611 449,673 21,729,333
21 649,284 195,564 453,720 21,275,612
22 649,284 191,481 457,804 20,817,808
23 649,284 187,360 461,924 20,355,884
24 649,284 183,203 466,081 19,889,803
25 649,284 179,008 470,276 19,419,527
26 649,284 174,776 474,509 18,945,018
27 649,284 170,505 478,779 18,466,239
28 649,284 166,196 483,088 17,983,150
29 649,284 161,848 487,436 17,495,714
30 649,284 157,461 491,823 17,003,891
31 649,284 153,035 496,249 16,507,642
32 649,284 148,569 500,716 16,006,926
33 649,284 144,062 505,222 15,501,704
34 649,284 139,515 509,769 14,991,935
35 649,284 134,927 514,357 14,477,578
36 649,284 130,298 518,986 13,958,592
37 649,284 125,627 523,657 13,434,935
38 649,284 120,914 528,370 12,906,565
39 649,284 116,159 533,125 12,373,439
40 649,284 111,361 537,923 11,835,516
41 649,284 106,520 542,765 11,292,751
42 649,284 101,635 547,650 10,745,101
43 649,284 96,706 552,579 10,192,523
44 649,284 91,733 557,552 9,634,971
45 649,284 86,715 562,570 9,072,402
46 649,284 81,652 567,633 8,504,769
47 649,284 76,543 572,742 7,932,027
48 649,284 71,388 577,896 7,354,131
49 649,284 66,187 583,097 6,771,034
50 649,284 60,939 588,345 6,182,689
51 649,284 55,644 593,640 5,589,048
52 649,284 50,301 598,983 4,990,065
53 649,284 44,911 604,374 4,385,692
54 649,284 39,471 609,813 3,775,878
55 649,284 33,983 615,302 3,160,577
56 649,284 28,445 620,839 2,539,738
57 649,284 22,858 626,427 1,913,311
58 649,284 17,220 632,065 1,281,246
59 649,284 11,531 637,753 643,493
60 649,284 5,791 643,493 0
CAPITAL 1,000,000.00
PLAZO 72.00
TASA 1.10%
OPCION COMPRA 10,000.00 LEASING ( digite el valor de la opcion de compra)
VALOR CUOTA 20,088
CUOTA No. CAPITAL INTERESES SALDO
1 9,088.00 11,000.00 990,912.00
2 9,187.97 10,900.03 981,724.03
3 9,289.04 10,798.96 972,435.00
4 9,391.22 10,696.78 963,043.78
5 9,494.52 10,593.48 953,549.26
6 9,598.96 10,489.04 943,950.30
7 9,704.55 10,383.45 934,245.76
8 9,811.30 10,276.70 924,434.46
9 9,919.22 10,168.78 914,515.24
10 10,028.33 10,059.67 904,486.91
11 10,138.64 9,949.36 894,348.26
12 10,250.17 9,837.83 884,098.10
13 10,362.92 9,725.08 873,735.17
14 10,476.91 9,611.09 863,258.26
15 10,592.16 9,495.84 852,666.10
16 10,708.67 9,379.33 841,957.43
17 10,826.47 9,261.53 831,130.96
18 10,945.56 9,142.44 820,185.40
19 11,065.96 9,022.04 809,119.44
20 11,187.69 8,900.31 797,931.75
21 11,310.75 8,777.25 786,621.00
22 11,435.17 8,652.83 775,185.83
23 11,560.96 8,527.04 763,624.88
24 11,688.13 8,399.87 751,936.75
25 11,816.70 8,271.30 740,120.06
26 11,946.68 8,141.32 728,173.38
27 12,078.09 8,009.91 716,095.28
28 12,210.95 7,877.05 703,884.33
29 12,345.27 7,742.73 691,539.06
30 12,481.07 7,606.93 679,057.99
31 12,618.36 7,469.64 666,439.63
32 12,757.16 7,330.84 653,682.46
33 12,897.49 7,190.51 640,784.97
34 13,039.37 7,048.63 627,745.61
35 13,182.80 6,905.20 614,562.81
36 614,562.81 6,760.19 -
37 20,088.00 - - 20,088.00
38 20,308.97 - 220.97 - 40,396.97
39 20,532.37 - 444.37 - 60,929.33
40 20,758.22 - 670.22 - 81,687.56
41 20,986.56 - 898.56 - 102,674.12
42 21,217.42 - 1,129.42 - 123,891.54
43 21,450.81 - 1,362.81 - 145,342.34
44 21,686.77 - 1,598.77 - 167,029.11
45 21,925.32 - 1,837.32 - 188,954.43
46 22,166.50 - 2,078.50 - 211,120.93
47 22,410.33 - 2,322.33 - 233,531.26
48 22,656.84 - 2,568.84 - 256,188.10
49 22,906.07 - 2,818.07 - 279,094.17
50 23,158.04 - 3,070.04 - 302,252.21
51 23,412.77 - 3,324.77 - 325,664.98
52 23,670.31 - 3,582.31 - 349,335.30
53 23,930.69 - 3,842.69 - 373,265.98
54 24,193.93 - 4,105.93 - 397,459.91
55 24,460.06 - 4,372.06 - 421,919.97
56 24,729.12 - 4,641.12 - 446,649.09
57 25,001.14 - 4,913.14 - 471,650.23
58 25,276.15 - 5,188.15 - 496,926.38
59 25,554.19 - 5,466.19 - 522,480.57
60 - 522,480.57 - 5,747.29 -
258,199.14

NOTA: EL PRESENTE PLAN DE AMORTIZACION PODRA VERSER AFECTADO POR LAS VARIACIONES
EN LA TASA PACTADA DE ACUERDO CON LO ESTIPULADO EN EL PAGARE. EL PLAZO INICIALMENTE
ESTIMADO PODRA MODIFICARSE DEBIDO A LA VARIABILIDAD DE LA TASA Y A LA CUOTA FIJA PACTADA
n de compra)
SIMULADOR PRIMAS DE VIDA 2012
CLIENTES DEUDORES

MONTO DEL
PRIMA POR PRIMA A PAGAR
DESEMBOLSO
MILLON 2012 MENSUALMENTE
(VR ASEGURADO)
40,000,000 1,028 41,120

SIMULADOR SEGURO DEUDA SUFI

MONTO DEL
PRIMA POR PRIMA A PAGAR
DESEMBOLSO
MILLON 2012 MENSUALMENTE
(VR ASEGURADO)
42,300,000 850 35,955

SIMULADOR SEGURO LIBRANZA

MONTO DEL
PRIMA POR PRIMA A PAGAR
DESEMBOLSO
MILLON 2012 MENSUALMENTE
(VR ASEGURADO)
10,000,000 600 6,000
SIMULADOR PARA EL CÁLCULO DE CUOTAS DE CRÉDITOS CON TASA FIJA

DESEMBOLSO 30,000,000 VLR. VLR


SEGURO $ 18,000
PLAZO 60 CUOTA +
$ 665,495
TASA NMV 10.68% SEGURO
TASA MV 0.89%

Nro cuotas CUOTA MENSUAL ABONO A ABONO A SALDO


SIN SEGURO INTERES CAPITAL
30,000,000
1 647,495 267,000 380,495 29,619,505
2 647,495 263,614 383,882 29,235,623
3 647,495 260,197 387,298 28,848,325
4 647,495 256,750 390,745 28,457,580
5 647,495 253,272 394,223 28,063,357
6 647,495 249,764 397,731 27,665,625
7 647,495 246,224 401,271 27,264,354
8 647,495 242,653 404,843 26,859,511
9 647,495 239,050 408,446 26,451,066
10 647,495 235,414 412,081 26,038,985
11 647,495 231,747 415,748 25,623,237
12 647,495 228,047 419,448 25,203,788
13 647,495 224,314 423,182 24,780,607
14 647,495 220,547 426,948 24,353,659
15 647,495 216,748 430,748 23,922,911
16 647,495 212,914 434,581 23,488,330
17 647,495 209,046 438,449 23,049,880
18 647,495 205,144 442,351 22,607,529
19 647,495 201,207 446,288 22,161,241
20 647,495 197,235 450,260 21,710,980
21 647,495 193,228 454,268 21,256,713
22 647,495 189,185 458,311 20,798,402
23 647,495 185,106 462,390 20,336,013
24 647,495 180,991 466,505 19,869,508
25 647,495 176,839 470,657 19,398,851
26 647,495 172,650 474,846 18,924,006
27 647,495 168,424 479,072 18,444,934
28 647,495 164,160 483,335 17,961,599
29 647,495 159,858 487,637 17,473,962
30 647,495 155,518 491,977 16,981,985
31 647,495 151,140 496,356 16,485,629
32 647,495 146,722 500,773 15,984,856
33 647,495 142,265 505,230 15,479,626
34 647,495 137,769 509,727 14,969,899
35 647,495 133,232 514,263 14,455,636
36 647,495 128,655 518,840 13,936,796
37 647,495 124,037 523,458 13,413,338
38 647,495 119,379 528,117 12,885,221
39 647,495 114,678 532,817 12,352,404
40 647,495 109,936 537,559 11,814,846
41 647,495 105,152 542,343 11,272,502
42 647,495 100,325 547,170 10,725,332
43 647,495 95,455 552,040 10,173,292
44 647,495 90,542 556,953 9,616,339
45 647,495 85,585 561,910 9,054,430
46 647,495 80,584 566,911 8,487,519
47 647,495 75,539 571,956 7,915,562
48 647,495 70,449 577,047 7,338,516
49 647,495 65,313 582,183 6,756,333
50 647,495 60,131 587,364 6,168,969
51 647,495 54,904 592,591 5,576,378
52 647,495 49,630 597,866 4,978,512
53 647,495 44,309 603,187 4,375,325
54 647,495 38,940 608,555 3,766,771
55 647,495 33,524 613,971 3,152,800
56 647,495 28,060 619,435 2,533,364
57 647,495 22,547 624,948 1,908,416
58 647,495 16,985 630,510 1,277,905
59 647,495 11,373 636,122 641,783
60 647,495 5,712 641,783 0
SIMULADOR PARA EL CÁLCULO DE CUOTAS DE CRÉDITOS CON TASA FIJA

DESEMBOLSO 65,000,000 VLR. VLR


SEGURO $ 66,820
PLAZO 60 CUOTA +
$ 1,532,494
TASA NMV 12.60% SEGURO
TASA MV 1.05%

Nro cuotas CUOTA MENSUAL SIN ABONO A ABONO A SALDO


SEGURO INTERES CAPITAL
65,000,000
1 1,465,674 682,500 783,174 64,216,826
2 1,465,674 674,277 791,398 63,425,428
3 1,465,674 665,967 799,707 62,625,721
4 1,465,674 657,570 808,104 61,817,617
5 1,465,674 649,085 816,589 61,001,028
6 1,465,674 640,511 825,163 60,175,864
7 1,465,674 631,847 833,828 59,342,037
8 1,465,674 623,091 842,583 58,499,454
9 1,465,674 614,244 851,430 57,648,024
10 1,465,674 605,304 860,370 56,787,654
11 1,465,674 596,270 869,404 55,918,250
12 1,465,674 587,142 878,533 55,039,718
13 1,465,674 577,917 887,757 54,151,960
14 1,465,674 568,596 897,079 53,254,882
15 1,465,674 559,176 906,498 52,348,384
16 1,465,674 549,658 916,016 51,432,368
17 1,465,674 540,040 925,634 50,506,733
18 1,465,674 530,321 935,353 49,571,380
19 1,465,674 520,499 945,175 48,626,205
20 1,465,674 510,575 955,099 47,671,106
21 1,465,674 500,547 965,128 46,705,979
22 1,465,674 490,413 975,261 45,730,717
23 1,465,674 480,173 985,502 44,745,215
24 1,465,674 469,825 995,849 43,749,366
25 1,465,674 459,368 1,006,306 42,743,060
26 1,465,674 448,802 1,016,872 41,726,188
27 1,465,674 438,125 1,027,549 40,698,639
28 1,465,674 427,336 1,038,338 39,660,300
29 1,465,674 416,433 1,049,241 38,611,059
30 1,465,674 405,416 1,060,258 37,550,801
31 1,465,674 394,283 1,071,391 36,479,410
32 1,465,674 383,034 1,082,640 35,396,770
33 1,465,674 371,666 1,094,008 34,302,762
34 1,465,674 360,179 1,105,495 33,197,267
35 1,465,674 348,571 1,117,103 32,080,164
36 1,465,674 336,842 1,128,832 30,951,331
37 1,465,674 324,989 1,140,685 29,810,646
38 1,465,674 313,012 1,152,662 28,657,984
39 1,465,674 300,909 1,164,765 27,493,218
40 1,465,674 288,679 1,176,995 26,316,223
41 1,465,674 276,320 1,189,354 25,126,869
42 1,465,674 263,832 1,201,842 23,925,027
43 1,465,674 251,213 1,214,461 22,710,566
44 1,465,674 238,461 1,227,213 21,483,352
45 1,465,674 225,575 1,240,099 20,243,253
46 1,465,674 212,554 1,253,120 18,990,133
47 1,465,674 199,396 1,266,278 17,723,855
48 1,465,674 186,100 1,279,574 16,444,282
49 1,465,674 172,665 1,293,009 15,151,273
50 1,465,674 159,088 1,306,586 13,844,687
51 1,465,674 145,369 1,320,305 12,524,382
52 1,465,674 131,506 1,334,168 11,190,214
53 1,465,674 117,497 1,348,177 9,842,037
54 1,465,674 103,341 1,362,333 8,479,704
55 1,465,674 89,037 1,376,637 7,103,066
56 1,465,674 74,582 1,391,092 5,711,974
57 1,465,674 59,976 1,405,698 4,306,276
58 1,465,674 45,216 1,420,458 2,885,818
59 1,465,674 30,301 1,435,373 1,450,445
60 1,465,674 15,230 1,450,445 0
SIMULADOR PARA EL CÁLCULO DE CUOTAS DE CRÉDITOS CON TASA FIJA

DESEMBOLSO 133,500,000 VLR. VLR


SEGURO $ 137,238
PLAZO 60 CUOTA +
$ 2,812,304
TASA AMV 7.50% SEGURO
TASA MV 0.63%

Nro cuotas CUOTA MENSUAL SIN ABONO A ABONO A SALDO


SEGURO INTERES CAPITAL
133,500,000
1 2,675,066 834,375 1,840,691 131,659,309
2 2,675,066 822,871 1,852,195 129,807,113
3 2,675,066 811,294 1,863,772 127,943,342
4 2,675,066 799,646 1,875,420 126,067,921
5 2,675,066 787,925 1,887,142 124,180,780
6 2,675,066 776,130 1,898,936 122,281,844
7 2,675,066 764,262 1,910,805 120,371,039
8 2,675,066 752,319 1,922,747 118,448,292
9 2,675,066 740,302 1,934,764 116,513,528
10 2,675,066 728,210 1,946,857 114,566,671
11 2,675,066 716,042 1,959,024 112,607,646
12 2,675,066 703,798 1,971,268 110,636,378
13 2,675,066 691,477 1,983,589 108,652,789
14 2,675,066 679,080 1,995,986 106,656,803
15 2,675,066 666,605 2,008,461 104,648,342
16 2,675,066 654,052 2,021,014 102,627,328
17 2,675,066 641,421 2,033,645 100,593,683
18 2,675,066 628,711 2,046,356 98,547,327
19 2,675,066 615,921 2,059,145 96,488,182
20 2,675,066 603,051 2,072,015 94,416,167
21 2,675,066 590,101 2,084,965 92,331,202
22 2,675,066 577,070 2,097,996 90,233,206
23 2,675,066 563,958 2,111,109 88,122,097
24 2,675,066 550,763 2,124,303 85,997,794
25 2,675,066 537,486 2,137,580 83,860,214
26 2,675,066 524,126 2,150,940 81,709,274
27 2,675,066 510,683 2,164,383 79,544,891
28 2,675,066 497,156 2,177,911 77,366,980
29 2,675,066 483,544 2,191,523 75,175,458
30 2,675,066 469,847 2,205,220 72,970,238
31 2,675,066 456,064 2,219,002 70,751,236
32 2,675,066 442,195 2,232,871 68,518,365
33 2,675,066 428,240 2,246,826 66,271,539
34 2,675,066 414,197 2,260,869 64,010,670
35 2,675,066 400,067 2,274,999 61,735,670
36 2,675,066 385,848 2,289,218 59,446,452
37 2,675,066 371,540 2,303,526 57,142,926
38 2,675,066 357,143 2,317,923 54,825,004
39 2,675,066 342,656 2,332,410 52,492,594
40 2,675,066 328,079 2,346,987 50,145,606
41 2,675,066 313,410 2,361,656 47,783,950
42 2,675,066 298,650 2,376,416 45,407,534
43 2,675,066 283,797 2,391,269 43,016,265
44 2,675,066 268,852 2,406,214 40,610,050
45 2,675,066 253,813 2,421,253 38,188,797
46 2,675,066 238,680 2,436,386 35,752,411
47 2,675,066 223,453 2,451,614 33,300,797
48 2,675,066 208,130 2,466,936 30,833,861
49 2,675,066 192,712 2,482,355 28,351,507
50 2,675,066 177,197 2,497,869 25,853,637
51 2,675,066 161,585 2,513,481 23,340,156
52 2,675,066 145,876 2,529,190 20,810,966
53 2,675,066 130,069 2,544,998 18,265,969
54 2,675,066 114,162 2,560,904 15,705,065
55 2,675,066 98,157 2,576,909 13,128,155
56 2,675,066 82,051 2,593,015 10,535,140
57 2,675,066 65,845 2,609,222 7,925,919
58 2,675,066 49,537 2,625,529 5,300,390
59 2,675,066 33,127 2,641,939 2,658,451
60 2,675,066 16,615 2,658,451 0
SIMULADOR PARA EL CÁLCULO DE CUOTAS DE CRÉDITOS CON TASA FIJA

DESEMBOLSO 4,000,000 VLR. SEGURO $ 4,112


PLAZO 36 VLR CUOTA
TASA NMV 18.00% + SEGURO $ 148,722
TASA MV 1.50%

Nro cuotas CUOTA MENSUAL ABONO A ABONO A SALDO


SIN SEGURO INTERES CAPITAL
4,000,000
1 144,610 60,000 84,610 3,915,390
2 144,610 58,731 85,879 3,829,512
3 144,610 57,443 87,167 3,742,345
4 144,610 56,135 88,474 3,653,870
5 144,610 54,808 89,802 3,564,069
6 144,610 53,461 91,149 3,472,920
7 144,610 52,094 92,516 3,380,405
8 144,610 50,706 93,904 3,286,501
9 144,610 49,298 95,312 3,191,189
10 144,610 47,868 96,742 3,094,447
11 144,610 46,417 98,193 2,996,254
12 144,610 44,944 99,666 2,896,589
13 144,610 43,449 101,161 2,795,428
14 144,610 41,931 102,678 2,692,750
15 144,610 40,391 104,218 2,588,531
16 144,610 38,828 105,782 2,482,750
17 144,610 37,241 107,368 2,375,381
18 144,610 35,631 108,979 2,266,402
19 144,610 33,996 110,614 2,155,789
20 144,610 32,337 112,273 2,043,516
21 144,610 30,653 113,957 1,929,559
22 144,610 28,943 115,666 1,813,893
23 144,610 27,208 117,401 1,696,492
24 144,610 25,447 119,162 1,577,330
25 144,610 23,660 120,950 1,456,380
26 144,610 21,846 122,764 1,333,616
27 144,610 20,004 124,605 1,209,011
28 144,610 18,135 126,474 1,082,536
29 144,610 16,238 128,372 954,165
30 144,610 14,312 130,297 823,868
31 144,610 12,358 132,252 691,616
32 144,610 10,374 134,235 557,381
33 144,610 8,361 136,249 421,132
34 144,610 6,317 138,293 282,839
35 144,610 4,243 140,367 142,472
36 144,610 2,137 142,472 0
SIMULACIÓN CREDITO CON TASA FIJA REVISABLE

DESEMBOLS 4,000,000
PLAZO 24
TASA NMV 25.68%
TASA MV 2.14%

Nro cuotas CUOTA MENSUAL ABONO A ABONO A SALDO


SIN SEGURO INTERES CAPITAL
4,000,000
1 214,853 85,600 129,253 3,870,747
2 214,853 82,834 132,019 3,738,728
3 214,853 80,009 134,844 3,603,883
4 214,853 77,123 137,730 3,466,153
5 214,853 74,176 140,678 3,325,475
6 214,853 71,165 143,688 3,181,787
7 214,853 68,090 146,763 3,035,024
8 214,853 64,950 149,904 2,885,121
9 214,853 61,742 153,112 2,732,009
10 214,853 58,465 156,388 2,575,621
11 214,853 55,118 159,735 2,415,886
12 214,853 51,700 163,153 2,252,733
13 214,853 48,208 166,645 2,086,088
14 214,853 44,642 170,211 1,915,877
15 214,853 41,000 173,853 1,742,023
16 214,853 37,279 177,574 1,564,449
17 214,853 33,479 181,374 1,383,075
18 214,853 29,598 185,255 1,197,820
19 214,853 25,633 189,220 1,008,600
20 214,853 21,584 193,269 815,331
21 214,853 17,448 197,405 617,926
22 214,853 13,224 201,630 416,296
23 214,853 8,909 205,944 210,352
24 214,853 4,502 210,352 0
SIMULACIÓN CREDITO CON TASA FIJA REVISABLE

TASA FIJA REVISABLE ANUALMENTE: ESTE SIMULADOR ES VALIDO PARA EL


PRIMER AÑO, YA QUE CADA AÑO SE REVISA LA CUOTA DE ACUERDO AL DTF TA

DESEMBOLSO 13,000,000
PLAZO 36 PLAZO 24 O 36 MESES
TASA NMV 10.20%
TASA MV 0.85%

Nro cuotas CUOTA MENSUAL ABONO A ABONO A SALDO


SIN SEGURO INTERES CAPITAL
13,000,000
1 420,695 110,500 310,195 12,689,805
2 420,695 107,863 312,832 12,376,973
3 420,695 105,204 315,491 12,061,482
4 420,695 102,523 318,173 11,743,309
5 420,695 99,818 320,877 11,422,432
6 420,695 97,091 323,605 11,098,828
7 420,695 94,340 326,355 10,772,473
8 420,695 91,566 329,129 10,443,344
9 420,695 88,768 331,927 10,111,417
10 420,695 85,947 334,748 9,776,669
11 420,695 83,102 337,593 9,439,075
12 420,695 80,232 340,463 9,098,612
13 420,695 77,338 343,357 8,755,255
14 420,695 74,420 346,276 8,408,980
15 420,695 71,476 349,219 8,059,761
16 420,695 68,508 352,187 7,707,574
17 420,695 65,514 355,181 7,352,393
18 420,695 62,495 358,200 6,994,193
19 420,695 59,451 361,245 6,632,949
20 420,695 56,380 364,315 6,268,633
21 420,695 53,283 367,412 5,901,222
22 420,695 50,160 370,535 5,530,687
23 420,695 47,011 373,684 5,157,002
24 420,695 43,835 376,861 4,780,142
DESEMBOLSO 15,000,000 DESEMBOLSO 15,000,000
PLAZO 36 PLAZO 24
TASA NMV 10.20% TASA NMV 10.20%
TASA MV 0.85% TASA MV 0.85%
CUOTA MENSUAL 485.418 CUOTA MENSUAL 693.559
SIMULACIÓN CREDITO CON TASA FIJA REVISABLE

DESEMBOLSO 19,000,000 VLR. VLR


SEGURO $ 19,532
PLAZO 60 CUOTA +
$ 436,438
TASA NMV 11.40% SEGURO
TASA MV 0.95%

Nro cuotas CUOTA MENSUAL ABONO A ABONO A SALDO


SIN SEGURO INTERES CAPITAL
19,000,000
1 416,906 180,500 236,406 18,763,594
2 416,906 178,254 238,652 18,524,942
3 416,906 175,987 240,919 18,284,022
4 416,906 173,698 243,208 18,040,814
5 416,906 171,388 245,519 17,795,295
6 416,906 169,055 247,851 17,547,444
7 416,906 166,701 250,206 17,297,239
8 416,906 164,324 252,583 17,044,656
9 416,906 161,924 254,982 16,789,674
10 416,906 159,502 257,404 16,532,270
11 416,906 157,057 259,850 16,272,420
12 416,906 154,588 262,318 16,010,102
13 416,906 152,096 264,810 15,745,291
14 416,906 149,580 267,326 15,477,965
15 416,906 147,041 269,866 15,208,100
16 416,906 144,477 272,429 14,935,670
17 416,906 141,889 275,017 14,660,653
18 416,906 139,276 277,630 14,383,023
19 416,906 136,639 280,268 14,102,755
20 416,906 133,976 282,930 13,819,825
21 416,906 131,288 285,618 13,534,207
22 416,906 128,575 288,331 13,245,876
23 416,906 125,836 291,071 12,954,805
24 416,906 123,071 293,836 12,660,969
FINAGRO

SIMULACIÓN CREDITO CON TASA VARIABLE

DESEMBOLSO ###
PLAZO 60
DTF TA VIGENTE 3.36
PUNTOS SOBRE EL DTF TA 8
TASA EA 12.21
TASA NMV 11.58
TASA MV 0.96%

EL CALCULO DE LOS INTERES ES DIFERENTE TODOS LOS MESES. LOS


INTERES SE CALCULAN CON EL DTF TA VIGENTE DEL VENCIMIENTO MENSUAL
DE LA CUOTA. EL ABONO A CAPITAL ES CONSTANTE
Esta simualción se hace con el DTF TA vigente agosto 12 al 16 de 2002, y los
intereses se calculan con el 1.95% mv, pues no se conocen el valor de los
DTF para los próximos meses

Nro cuotas CUOTA INTERES CAPITAL SALDO


130,000,000
1 3,421,161 1,254,494 2,166,667 127,833,333
2 3,400,253 1,233,586 2,166,667 125,666,667
3 3,379,345 1,212,678 2,166,667 123,500,000
4 3,358,436 1,191,770 2,166,667 121,333,333
5 3,337,528 1,170,861 2,166,667 119,166,667
6 3,316,620 1,149,953 2,166,667 117,000,000
7 3,295,712 1,129,045 2,166,667 114,833,333
8 3,274,803 1,108,137 2,166,667 112,666,667
9 3,253,895 1,087,229 2,166,667 110,500,000
10 3,232,987 1,066,320 2,166,667 108,333,333
11 3,212,079 1,045,412 2,166,667 106,166,667
12 3,191,170 1,024,504 2,166,667 104,000,000
13 3,170,262 1,003,596 2,166,667 101,833,333
14 3,149,354 982,687 2,166,667 99,666,667
15 3,128,446 961,779 2,166,667 97,500,000
16 3,107,538 940,871 2,166,667 95,333,333
17 3,086,629 919,963 2,166,667 93,166,667
18 3,065,721 899,054 2,166,667 91,000,000
19 3,044,813 878,146 2,166,667 88,833,333
20 3,023,905 857,238 2,166,667 86,666,667
21 3,002,996 836,330 2,166,667 84,500,000
22 2,982,088 815,421 2,166,667 82,333,333
23 2,961,180 794,513 2,166,667 80,166,667
24 2,940,272 773,605 2,166,667 78,000,000
25 2,919,363 752,697 2,166,667 75,833,333
26 2,898,455 731,788 2,166,667 73,666,667
27 2,877,547 710,880 2,166,667 71,500,000
28 2,856,639 689,972 2,166,667 69,333,333
29 2,835,730 669,064 2,166,667 67,166,667
30 2,814,822 648,155 2,166,667 65,000,000
31 2,793,914 627,247 2,166,667 62,833,333

Página 20
FINAGRO

32 2,773,006 606,339 2,166,667 60,666,667


33 2,752,097 585,431 2,166,667 58,500,000
34 2,731,189 564,523 2,166,667 56,333,333
35 2,710,281 543,614 2,166,667 54,166,667
36 2,689,373 522,706 2,166,667 52,000,000
37 2,668,464 501,798 2,166,667 49,833,333
38 2,647,556 480,890 2,166,667 47,666,667
39 2,626,648 459,981 2,166,667 45,500,000
40 2,605,740 439,073 2,166,667 43,333,333
41 2,584,831 418,165 2,166,667 41,166,667
42 2,563,923 397,257 2,166,667 39,000,000
43 2,543,015 376,348 2,166,667 36,833,333
44 2,522,107 355,440 2,166,667 34,666,667
45 2,501,199 334,532 2,166,667 32,500,000
46 2,480,290 313,624 2,166,667 30,333,333
47 2,459,382 292,715 2,166,667 28,166,667
48 2,438,474 271,807 2,166,667 26,000,000
49 2,417,566 250,899 2,166,667 23,833,333
50 2,396,657 229,991 2,166,667 21,666,667
51 2,375,749 209,082 2,166,667 19,500,000
52 2,354,841 188,174 2,166,667 17,333,333
53 2,333,933 167,266 2,166,667 15,166,667
54 2,313,024 146,358 2,166,667 13,000,000
55 2,292,116 125,449 2,166,667 10,833,333
56 2,271,208 104,541 2,166,667 8,666,667
57 2,250,300 83,633 2,166,667 6,500,000
58 2,229,391 62,725 2,166,667 4,333,333
59 2,208,483 41,816 2,166,667 2,166,667
60 2,187,575 20,908 2,166,667 0

Página 21