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f.

tasa de interes del 0,90% mensual vencida con periodos de gracia muerto
de 12 meses

A= ?
P=200.000.000 40% 120.000.000 TABLA DE AMORTIZACION CON PERIODOS DE G
N=48 meses -12 meses PERIODO CUOTA CAPITAL
𝑛^1=12 meses 0 0 120,000,000
i=0,90% mensual vencida 1 0 121,080,000
2 0 122,169,720
f= P(1+i)^𝑛 3 0 123,269,247
F=120.000.000(1+0,009)^12 4 0 124,378,671
f=133,621.161 5 0 125,498,079
6 0 126,627,561
A=133.621.161(((1+0,009)^36
0.009)/((1+0,009)^36−1)) 7 0 127,767,210
8 0 128,917,114
A=133.621.161(0.012425803 9 0 130,077,368
/0.380644873)
10 0 131,248,065
𝐴=4,361.940 11 0 132,429,297
12 0 133,621,161
13 4,361,940 130,461,811
14 4,361,940 127,274,028
15 4,361,940 124,057,554
16 4,361,940 120,812,132
17 4,361,940 117,537,501
18 4,361,940 114,233,399
19 4,361,940 110,899,559
20 4,361,940 107,535,715
21 4,361,940 104,141,597
22 4,361,940 100,716,931
23 4,361,940 97,261,443
24 4,361,940 93,774,856
25 4,361,940 90,256,890
26 4,361,940 86,707,262
27 4,361,940 83,125,688
28 4,361,940 79,511,879
29 4,361,940 75,865,546
30 4,361,940 72,186,396
31 4,361,940 68,474,133
32 4,361,940 64,728,460
33 4,361,940 60,949,076
34 4,361,940 57,135,678
35 4,361,940 53,287,959
36 4,361,940 49,405,611
37 4,361,940 45,488,321
38 4,361,940 41,535,776
39 4,361,940 37,547,658
40 4,361,940 33,523,647
41 4,361,940 29,463,420
42 4,361,940 25,366,651
43 4,361,940 21,233,011
44 4,361,940 17,062,168
45 4,361,940 12,853,787
46 4,361,940 8,607,531
47 4,361,940 4,323,059
48 4,361,940 27
ORTIZACION CON PERIODOS DE GRACIA MUERTO
INTERES AMORTIZACION SALDO CAPITAL
0 0 120,000,000
1,080,000 0 121,080,000
1,089,720 0 122,169,720
1,099,527 0 123,269,247
1,109,423 0 124,378,671
1,119,408 0 125,498,079
1,129,483 0 126,627,561
1,139,648 0 127,767,210
1,149,905 0 128,917,114
1,160,254 0 130,077,368
1,170,696 0 131,248,065
1,181,233 0 132,429,297
1,191,864 0 133,621,161
1,202,590 3,159,350 130,461,811
1,174,156 3,187,784 127,274,028
1,145,466 3,216,474 124,057,554
1,116,518 3,245,422 120,812,132
1,087,309 3,274,631 117,537,501
1,057,838 3,304,102 114,233,399
1,028,101 3,333,839 110,899,559
998,096 3,363,844 107,535,715
967,821 3,394,119 104,141,597
937,274 3,424,666 100,716,931
906,452 3,455,488 97,261,443
875,353 3,486,587 93,774,856
843,974 3,517,966 90,256,890
812,312 3,549,628 86,707,262
780,365 3,581,575 83,125,688
748,131 3,613,809 79,511,879
715,607 3,646,333 75,865,546
682,790 3,679,150 72,186,396
649,678 3,712,262 68,474,133
616,267 3,745,673 64,728,460
582,556 3,779,384 60,949,076
548,542 3,813,398 57,135,678
514,221 3,847,719 53,287,959
479,592 3,882,348 49,405,611
444,650 3,917,290 45,488,321
409,395 3,952,545 41,535,776
373,822 3,988,118 37,547,658
337,929 4,024,011 33,523,647
301,713 4,060,227 29,463,420
265,171 4,096,769 25,366,651
228,300 4,133,640 21,233,011
191,097 4,170,843 17,062,168
153,560 4,208,380 12,853,787
115,684 4,246,256 8,607,531
77,468 4,284,472 4,323,059
38,908 4,323,032 27
G. tasa de interes del 0,90% mensual vencido con sistema de
amortizacion constante en pesos.
TABLA DE AMORTIZACION CONSTANTE EN PES
A= ? PERIODO CUOTA CAPITAL INTERES
P=120.000.000 0 0 120,000,000 0
n= 48 meses - 12 meses 1 3,580,000 120,000,000 1,080,000
i=0,90% mensual vencido 2 3,557,500 117,500,000 1,057,500
3 3,535,000 115,000,000 1,035,000
A=120.000.000/4 4 3,512,500 112,500,000 1,012,500
8 5 3,490,000 110,000,000 990,000
6 3,467,500 107,500,000 967,500
A=2,500.000 7 3,445,000 105,000,000 945,000
8 3,422,500 102,500,000 922,500
9 3,400,000 100,000,000 900,000
10 3,377,500 97,500,000 877,500
11 3,355,000 95,000,000 855,000
12 3,332,500 92,500,000 832,500
13 3,310,000 90,000,000 810,000
14 3,287,500 87,500,000 787,500
15 3,265,000 85,000,000 765,000
16 3,242,500 82,500,000 742,500
17 3,220,000 80,000,000 720,000
18 3,197,500 77,500,000 697,500
19 3,175,000 75,000,000 675,000
20 3,152,500 72,500,000 652,500
21 3,130,000 70,000,000 630,000
22 3,107,500 67,500,000 607,500
23 3,085,000 65,000,000 585,000
24 3,062,500 62,500,000 562,500
25 3,040,000 60,000,000 540,000
26 3,017,500 57,500,000 517,500
27 2,995,000 55,000,000 495,000
28 2,972,500 52,500,000 472,500
29 2,950,000 50,000,000 450,000
30 2,927,500 47,500,000 427,500
31 2,905,000 45,000,000 405,000
32 2,882,500 42,500,000 382,500
33 2,860,000 40,000,000 360,000
34 2,837,500 37,500,000 337,500
35 2,815,000 35,000,000 315,000
36 2,792,500 32,500,000 292,500
37 2,770,000 30,000,000 270,000
38 2,747,500 27,500,000 247,500
39 2,725,000 25,000,000 225,000
40 2,702,500 22,500,000 202,500
41 2,680,000 20,000,000 180,000
42 2,657,500 17,500,000 157,500
43 2,635,000 15,000,000 135,000
44 2,612,500 12,500,000 112,500
45 2,590,000 10,000,000 90,000
46 2,567,500 7,500,000 67,500
47 2,545,000 5,000,000 45,000
48 2,522,500 2,500,000 22,500
TIZACION CONSTANTE EN PESOS
AMORTIZACION SALDO A CAPITAL
- 120,000,000
2,500,000 117,500,000
2,500,000 115,000,000
2,500,000 112,500,000
2,500,000 110,000,000
2,500,000 107,500,000
2,500,000 105,000,000
2,500,000 102,500,000
2,500,000 100,000,000 G
2,500,000 97,500,000
2,500,000 95,000,000
2,500,000 92,500,000
2,500,000 90,000,000
2,500,000 87,500,000
2,500,000 85,000,000
2,500,000 82,500,000
2,500,000 80,000,000
2,500,000 77,500,000
2,500,000 75,000,000
2,500,000 72,500,000
2,500,000 70,000,000
2,500,000 67,500,000
2,500,000 65,000,000
2,500,000 62,500,000
2,500,000 60,000,000
2,500,000 57,500,000
2,500,000 55,000,000
2,500,000 52,500,000
2,500,000 50,000,000
2,500,000 47,500,000
2,500,000 45,000,000
2,500,000 42,500,000
2,500,000 40,000,000
2,500,000 37,500,000
2,500,000 35,000,000
2,500,000 32,500,000
2,500,000 30,000,000
2,500,000 27,500,000
2,500,000 25,000,000
2,500,000 22,500,000
2,500,000 20,000,000
2,500,000 17,500,000
2,500,000 15,000,000
2,500,000 12,500,000
2,500,000 10,000,000
2,500,000 7,500,000
2,500,000 5,000,000
2,500,000 2,500,000
2,500,000 -
H.tasa de interes DTF 4,43% efectiva anual mas un spread del 2%
pagadera mensualmente con periodo de gracia muerto de 12
meses.

P= 120.000.000 TABLA DE AMORTIZACION DTF PERIODO DE G


n=48 meses -12 meses PERIODO CUOTA CAPITAL
𝑛^1=12 𝑚𝑒𝑠𝑒𝑠 0 0 120,000,000
spread= 2% efectiva mensual 1 0 120,441,600
DTF=4,43% 2 0 120,883,200
3 0 121,326,425
tc=(1+0.02)(1+0.0433)-1)x 100 4 0 121,771,275
tc=45186 efectiva anual 5 0 122,217,757
6 0 122,665,875
〖𝑇𝑃 =((1+𝐼𝑒) 〗 ^(1/(12 )−1))x 100 7 0 123,115,636
8 0 123,567,047
〖𝑇𝑃 =((1+0.045186) 〗 ^(1/(12 )−1) ")x 100" 9 0 124,020,112
10 0 124,474,839
TP=(1.003689695-1) x100 11 0 124,931,233
12 0 125,389,300
TP=0.003689695)x100 13 3,565,127 122,285,606
TP=0.368969523 14 3,565,127 119,170,490
TP=0,368% 15 3,565,127 116,043,910
16 3,565,127 112,905,825
20.000.000((1+0.00368)^36 0.0368)/(1+0.00368)^36−1) 17 3,565,127 109,756,191
18 3,565,127 106,594,967
19 3,565,127 103,422,110
𝐴=120.000.000 0.004200273/0.141378604
20 3,565,127 100,237,576
21 3,565,127 97,041,323
A=3.565.127 22 3,565,127 93,833,308
23 3,565,127 90,613,488
24 3,565,127 87,381,819
25 3,565,127 84,138,257
26 3,565,127 80,882,758
27 3,565,127 77,615,280
28 3,565,127 74,335,777
29 3,565,127 71,044,206
30 3,565,127 67,740,522
31 3,565,127 64,424,680
32 3,565,127 61,096,635
33 3,565,127 57,756,344
34 3,565,127 54,403,760
35 3,565,127 51,038,839
36 3,565,127 47,661,535
37 3,565,127 44,271,803
38 3,565,127 40,869,596
39 3,565,127 37,454,869
40 3,565,127 34,027,576
41 3,565,127 30,587,670
42 3,565,127 27,135,106
43 3,565,127 23,669,836
44 3,565,127 20,191,814
45 3,565,127 16,700,993
46 3,565,127 13,197,326
47 3,565,127 9,680,765
48 3,565,127 6,151,263
AMORTIZACION DTF PERIODO DE GRACIA
INTERES AMORTIZACION SALDO A CAPITAL
0 0 120,000,000
441,600 0 120,441,600
443,225 0 120,883,200
444,850 0 121,326,425
446,481 0 121,771,275
448,118 0 122,217,757
449,761 0 122,665,875
451,410 0 123,115,636
453,066 0 123,567,047
454,727 0 124,020,112
456,394 0 124,474,839
458,067 0 124,931,233
459,747 0 125,389,300
461,433 3,103,694 122,285,606
450,011 3,115,116 119,170,490
438,547 3,126,580 116,043,910
427,042 3,138,085 112,905,825
415,493 3,149,634 109,756,191
403,903 3,161,224 106,594,967
392,269 3,172,858 103,422,110
380,593 3,184,534 100,237,576
368,874 3,196,253 97,041,323
357,112 3,208,015 93,833,308
345,307 3,219,820 90,613,488
333,458 3,231,669 87,381,819
321,565 3,243,562 84,138,257
309,629 3,255,498 80,882,758
297,649 3,267,478 77,615,280
285,624 3,279,503 74,335,777
273,556 3,291,571 71,044,206
261,443 3,303,684 67,740,522
249,285 3,315,842 64,424,680
237,083 3,328,044 61,096,635
224,836 3,340,291 57,756,344
212,543 3,352,584 54,403,760
200,206 3,364,921 51,038,839
187,823 3,377,304 47,661,535
175,394 3,389,733 44,271,803
162,920 3,402,207 40,869,596
150,400 3,414,727 37,454,869
137,834 3,427,293 34,027,576
125,221 3,439,906 30,587,670
112,563 3,452,564 27,135,106
99,857 3,465,270 23,669,836
87,105 3,478,022 20,191,814
74,306 3,490,821 16,700,993
61,460 3,503,667 13,197,326
48,566 3,516,561 9,680,765
35,625 3,529,502 6,151,263