Alternativa #1:Comprar vivienda nueva

Valor Vivienda $ 80,000,000

Plazo (meses) 180
Tasa 10,5% NMV 0.875%
PAGO $884,319.14

No. PAGO INTERESES ABONO A CAPITAL

0
1 $884,319.14 $ 700,000.00 $184,319.14
2 $884,319.14 $ 698,387.21 $185,931.93

3 $884,319.14 $ 696,760.30 $187,558.84

4 $884,319.14 $ 695,119.16 $189,199.98

5 $884,319.14 $ 693,463.66 $190,855.48
6 $884,319.14 $ 691,793.68 $192,525.46
7 $884,319.14 $ 690,109.08 $194,210.06
8 $884,319.14 $ 688,409.74 $195,909.40
9 $884,319.14 $ 686,695.54 $197,623.60
10 $884,319.14 $ 684,966.33 $199,352.81
11 $884,319.14 $ 683,221.99 $201,097.15
12 $884,319.14 $ 681,462.39 $202,856.75
13 $884,319.14 $ 679,687.39 $204,631.74
14 $884,319.14 $ 677,896.87 $206,422.27
15 $884,319.14 $ 676,090.67 $208,228.47
16 $884,319.14 $ 674,268.67 $210,050.47
17 $884,319.14 $ 672,430.73 $211,888.41
18 $884,319.14 $ 670,576.71 $213,742.43
19 $884,319.14 $ 668,706.46 $215,612.68
20 $884,319.14 $ 666,819.85 $217,499.29
21 $884,319.14 $ 664,916.73 $219,402.41
22 $884,319.14 $ 662,996.96 $221,322.18
23 $884,319.14 $ 661,060.39 $223,258.75
24 $884,319.14 $ 659,106.88 $225,212.26
25 $884,319.14 $ 657,136.27 $227,182.87
26 $884,319.14 $ 655,148.42 $229,170.72
27 $884,319.14 $ 653,143.18 $231,175.96
28 $884,319.14 $ 651,120.39 $233,198.75
29 $884,319.14 $ 649,079.90 $235,239.24
30 $884,319.14 $ 647,021.55 $237,297.58
31 $884,319.14 $ 644,945.20 $239,373.94
32 $884,319.14 $ 642,850.68 $241,468.46
33 $884,319.14 $ 640,737.83 $243,581.31
34 $884,319.14 $ 638,606.49 $245,712.65
35 $884,319.14 $ 636,456.51 $247,862.63
36 $884,319.14 $ 634,287.71 $250,031.43
37 $884,319.14 $ 632,099.93 $252,219.20
38 $884,319.14 $ 629,893.02 $254,426.12
39 $884,319.14 $ 627,666.79 $256,652.35
40 $884,319.14 $ 625,421.08 $258,898.06
41 $884,319.14 $ 623,155.72 $261,163.42
42 $884,319.14 $ 620,870.54 $263,448.60
43 $884,319.14 $ 618,565.37 $265,753.77
44 $884,319.14 $ 616,240.02 $268,079.12
45 $884,319.14 $ 613,894.33 $270,424.81
46 $884,319.14 $ 611,528.11 $272,791.03
47 $884,319.14 $ 609,141.19 $275,177.95
48 $884,319.14 $ 606,733.38 $277,585.76
49 $884,319.14 $ 604,304.51 $280,014.63
50 $884,319.14 $ 601,854.38 $282,464.76
51 $884,319.14 $ 599,382.81 $284,936.33
52 $884,319.14 $ 596,889.62 $287,429.52
53 $884,319.14 $ 594,374.61 $289,944.53
54 $884,319.14 $ 591,837.60 $292,481.54
55 $884,319.14 $ 589,278.38 $295,040.75
56 $884,319.14 $ 586,696.78 $297,622.36
57 $884,319.14 $ 584,092.58 $300,226.56
58 $884,319.14 $ 581,465.60 $302,853.54
59 $884,319.14 $ 578,815.63 $305,503.51
60 $884,319.14 $ 576,142.48 $308,176.66
61 $884,319.14 $ 573,445.93 $310,873.21
62 $884,319.14 $ 570,725.79 $313,593.35
63 $884,319.14 $ 567,981.85 $316,337.29
64 $884,319.14 $ 565,213.90 $319,105.24
65 $884,319.14 $ 562,421.73 $321,897.41
66 $884,319.14 $ 559,605.12 $324,714.02
67 $884,319.14 $ 556,763.87 $327,555.26
68 $884,319.14 $ 553,897.77 $330,421.37
69 $884,319.14 $ 551,006.58 $333,312.56
70 $884,319.14 $ 548,090.09 $336,229.04
71 $884,319.14 $ 545,148.09 $339,171.05
72 $884,319.14 $ 542,180.34 $342,138.80
73 $884,319.14 $ 539,186.63 $345,132.51
74 $884,319.14 $ 536,166.72 $348,152.42
75 $884,319.14 $ 533,120.39 $351,198.75
76 $884,319.14 $ 530,047.40 $354,271.74
77 $884,319.14 $ 526,947.52 $357,371.62
78 $884,319.14 $ 523,820.52 $360,498.62
79 $884,319.14 $ 520,666.15 $363,652.98
80 $884,319.14 $ 517,484.19 $366,834.95
81 $884,319.14 $ 514,274.39 $370,044.75
82 $884,319.14 $ 511,036.49 $373,282.65
83 $884,319.14 $ 507,770.27 $376,548.87
84 $884,319.14 $ 504,475.47 $379,843.67
85 $884,319.14 $ 501,151.84 $383,167.30
86 $884,319.14 $ 497,799.12 $386,520.02
87 $884,319.14 $ 494,417.07 $389,902.07
88 $884,319.14 $ 491,005.43 $393,313.71
89 $884,319.14 $ 487,563.93 $396,755.21
90 $884,319.14 $ 484,092.33 $400,226.81
91 $884,319.14 $ 480,590.34 $403,728.80
92 $884,319.14 $ 477,057.71 $407,261.42
93 $884,319.14 $ 473,494.18 $410,824.96
94 $884,319.14 $ 469,899.46 $414,419.68
95 $884,319.14 $ 466,273.29 $418,045.85
96 $884,319.14 $ 462,615.38 $421,703.75
97 $884,319.14 $ 458,925.48 $425,393.66
98 $884,319.14 $ 455,203.28 $429,115.86
99 $884,319.14 $ 451,448.52 $432,870.62
100 $884,319.14 $ 447,660.90 $436,658.24
101 $884,319.14 $ 443,840.14 $440,479.00
102 $884,319.14 $ 439,985.95 $444,333.19
103 $884,319.14 $ 436,098.03 $448,221.10
104 $884,319.14 $ 432,176.10 $452,143.04
105 $884,319.14 $ 428,219.85 $456,099.29
106 $884,319.14 $ 424,228.98 $460,090.16
107 $884,319.14 $ 420,203.19 $464,115.95
108 $884,319.14 $ 416,142.18 $468,176.96
109 $884,319.14 $ 412,045.63 $472,273.51
110 $884,319.14 $ 407,913.23 $476,405.90
111 $884,319.14 $ 403,744.68 $480,574.46
112 $884,319.14 $ 399,539.66 $484,779.48
113 $884,319.14 $ 395,297.84 $489,021.30
114 $884,319.14 $ 391,018.90 $493,300.24
115 $884,319.14 $ 386,702.52 $497,616.62
116 $884,319.14 $ 382,348.38 $501,970.76
117 $884,319.14 $ 377,956.13 $506,363.01
118 $884,319.14 $ 373,525.46 $510,793.68
119 $884,319.14 $ 369,056.01 $515,263.13
120 $884,319.14 $ 364,547.46 $519,771.68
121 $884,319.14 $ 359,999.46 $524,319.68
122 $884,319.14 $ 355,411.66 $528,907.48
123 $884,319.14 $ 350,783.72 $533,535.42
124 $884,319.14 $ 346,115.28 $538,203.85
125 $884,319.14 $ 341,406.00 $542,913.14
126 $884,319.14 $ 336,655.51 $547,663.63
127 $884,319.14 $ 331,863.45 $552,455.68
128 $884,319.14 $ 327,029.47 $557,289.67
129 $884,319.14 $ 322,153.18 $562,165.96
130 $884,319.14 $ 317,234.23 $567,084.91
131 $884,319.14 $ 312,272.24 $572,046.90
132 $884,319.14 $ 307,266.83 $577,052.31
133 $884,319.14 $ 302,217.62 $582,101.52
134 $884,319.14 $ 297,124.23 $587,194.91
135 $884,319.14 $ 291,986.28 $592,332.86
136 $884,319.14 $ 286,803.36 $597,515.78
137 $884,319.14 $ 281,575.10 $602,744.04
138 $884,319.14 $ 276,301.09 $608,018.05
139 $884,319.14 $ 270,980.93 $613,338.21
140 $884,319.14 $ 265,614.22 $618,704.92
141 $884,319.14 $ 260,200.55 $624,118.58
142 $884,319.14 $ 254,739.52 $629,579.62
143 $884,319.14 $ 249,230.69 $635,088.44
144 $884,319.14 $ 243,673.67 $640,645.47
145 $884,319.14 $ 238,068.02 $646,251.12
146 $884,319.14 $ 232,413.33 $651,905.81
147 $884,319.14 $ 226,709.15 $657,609.99
148 $884,319.14 $ 220,955.06 $663,364.08
149 $884,319.14 $ 215,150.63 $669,168.51
150 $884,319.14 $ 209,295.40 $675,023.74
151 $884,319.14 $ 203,388.94 $680,930.19
152 $884,319.14 $ 197,430.81 $686,888.33
153 $884,319.14 $ 191,420.53 $692,898.61
154 $884,319.14 $ 185,357.67 $698,961.47
155 $884,319.14 $ 179,241.76 $705,077.38
156 $884,319.14 $ 173,072.33 $711,246.81
157 $884,319.14 $ 166,848.92 $717,470.22
158 $884,319.14 $ 160,571.06 $723,748.08
159 $884,319.14 $ 154,238.26 $730,080.88
160 $884,319.14 $ 147,850.05 $736,469.09
161 $884,319.14 $ 141,405.95 $742,913.19
162 $884,319.14 $ 134,905.46 $749,413.68
 163 $884,319.14 $ 128,348.09 $755,971.05
164 $884,319.14 $ 121,733.34 $762,585.80
165 $884,319.14 $ 115,060.72 $769,258.42
166 $884,319.14 $ 108,329.70 $775,989.43
167 $884,319.14 $ 101,539.80 $782,779.34
168 $884,319.14 $ 94,690.48 $789,628.66
169 $884,319.14 $ 87,781.23 $796,537.91
170 $884,319.14 $ 80,811.52 $803,507.62
171 $884,319.14 $ 73,780.83 $810,538.31
172 $884,319.14 $ 66,688.62 $817,630.52
173 $884,319.14 $ 59,534.35 $824,784.79
174 $884,319.14 $ 52,317.48 $832,001.66
175 $884,319.14 $ 45,037.47 $839,281.67
176 $884,319.14 $ 37,693.75 $846,625.38
177 $884,319.14 $ 30,285.78 $854,033.36
178 $884,319.14 $ 22,812.99 $861,506.15
179 $884,319.14 $ 15,274.81 $869,044.33
180 $884,319.14 $ 7,670.67 $876,648.46

TOTAL
$159,177,445.01 $ 79,177,445.01 $ 80,000,000.00
 Alternativa #2: Arrendar la vivienda actual en $600000 aumentando cada año el 5%

CANON DE ARRIENDO AJUSTE MENSUAL

CAPITAL A AMORTIZAR AÑO 1 0% $ 600,000.00

$ 80,000,000.00 AÑO 2 5% $ 630,000.00

$ 79,815,680.86 AÑO 3 5% $ 661,500.00
$ 79,629,748.93 AÑO 4 5% $ 694,575.00

$ 79,442,190.09 AÑO 5 5% $ 729,303.75

$ 79,252,990.12 AÑO 6 5% $ 765,768.94

$ 79,062,134.64 AÑO 7 5% $ 804,057.38
$ 78,869,609.18 AÑO 8 5% $ 844,260.25
$ 78,675,399.12 AÑO 9 5% $ 886,473.27
$ 78,479,489.73 AÑO 10 5% $ 930,796.93
$ 78,281,866.12 AÑO 11 5% $ 977,336.78
$ 78,082,513.31 AÑO 12 5% $ 1,026,203.61
$ 77,881,416.16 AÑO 13 5% $ 1,077,513.80
$ 77,678,559.42 AÑO 14 5% $ 1,131,389.49
$ 77,473,927.67 AÑO 15 5% $ 1,187,958.96
$ 77,267,505.40 TOTAL
$ 77,059,276.93 MAS VENTA
$ 76,849,226.47 VALOR TOTAL
$ 76,637,338.06
$ 76,423,595.63
$ 76,207,982.95 Alternativa # 3: Vender la vivienda hoy en $100.000.000 pagar la deuda y los $20.000.
$ 75,990,483.67 el mismo plazo
$ 75,771,081.26 TASA MENSUAL = (1+6%EAV)^(1/12) - 1
$ 75,549,759.08 TASA MENSUAL 0.48676%
$ 75,326,500.33 PLAZO 180
$ 75,101,288.07 VA $ 20,000,000
$ 74,874,105.20 VF $47,931,163.86
$ 74,644,934.49
$ 74,413,758.52
$ 74,180,559.77
$ 73,945,320.53
$ 73,708,022.95
$ 73,468,649.01 1. En el mes 90 el padre tendría un saldo por pagar la vivienda nueva de $54.924.610, 51
$ 73,227,180.55
2. Comprar la vivienda nueva en $80.000.000 y financiar la deuda a 180 meses con cuota
$ 72,983,599.24
vivienda actual con un canon mensual de $600.000,00 con incrementos del 5% anual, lo c
$ 72,737,886.59 futuros 155.365.657,84 valor equiparable al valor total de vivienda nueva incluido los inte
$ 72,490,023.96
$ 72,239,992.53 3. Vender la vivienda actual y pagar la deuda el CDT a 15 años, en términos de futuro le
$ 71,987,773.33 86
$ 71,733,347.21 Por lo tanto la mejor opción sería la alternativa #2
$ 71,476,694.86
$ 71,217,796.80
$ 70,956,633.38
$ 70,693,184.78
$ 70,427,431.01
$ 70,159,351.89
$ 69,888,927.08
$ 69,616,136.06
$ 69,340,958.11
$ 69,063,372.35
$ 68,783,357.72
$ 68,500,892.96
$ 68,215,956.64
$ 67,928,527.12
$ 67,638,582.59
$ 67,346,101.05
$ 67,051,060.30
$ 66,753,437.93
$ 66,453,211.38
$ 66,150,357.84
$ 65,844,854.33
$ 65,536,677.67
$ 65,225,804.46
$ 64,912,211.11
$ 64,595,873.82
$ 64,276,768.57
$ 63,954,871.16
$ 63,630,157.14
$ 63,302,601.88
$ 62,972,180.51
$ 62,638,867.95
$ 62,302,638.90
$ 61,963,467.85
$ 61,621,329.06
$ 61,276,196.55
$ 60,928,044.13
$ 60,576,845.38
$ 60,222,573.63
$ 59,865,202.01
$ 59,504,703.39
$ 59,141,050.41
$ 58,774,215.46
$ 58,404,170.71
$ 58,030,888.06
$ 57,654,339.19
$ 57,274,495.52
$ 56,891,328.22
$ 56,504,808.20
$ 56,114,906.14
$ 55,721,592.42
$ 55,324,837.22
$ 54,924,610.41
$ 54,520,881.61
$ 54,113,620.18
$ 53,702,795.22
$ 53,288,375.54
$ 52,870,329.69
$ 52,448,625.93
$ 52,023,232.27
$ 51,594,116.41
$ 51,161,245.79
$ 50,724,587.56
$ 50,284,108.56
$ 49,839,775.37
$ 49,391,554.26
$ 48,939,411.23
$ 48,483,311.93
$ 48,023,221.78
$ 47,559,105.83
$ 47,090,928.86
$ 46,618,655.35
$ 46,142,249.45
$ 45,661,674.99
$ 45,176,895.51
$ 44,687,874.21
$ 44,194,573.97
$ 43,696,957.35
$ 43,194,986.59
$ 42,688,623.58
$ 42,177,829.90
$ 41,662,566.77
$ 41,142,795.09
$ 40,618,475.41
$ 40,089,567.93
$ 39,556,032.51
$ 39,017,828.66
$ 38,474,915.52
$ 37,927,251.89
$ 37,374,796.20
$ 36,817,506.53
$ 36,255,340.58
$ 35,688,255.67
$ 35,116,208.76
$ 34,539,156.45
$ 33,957,054.93
$ 33,369,860.02
$ 32,777,527.16
$ 32,180,011.38
$ 31,577,267.34
$ 30,969,249.29
$ 30,355,911.09
$ 29,737,206.17
$ 29,113,087.59
$ 28,483,507.96
$ 27,848,419.52
$ 27,207,774.05
$ 26,561,522.93
$ 25,909,617.12
$ 25,252,007.13
$ 24,588,643.06
$ 23,919,474.54
$ 23,244,450.81
$ 22,563,520.61
$ 21,876,632.28
$ 21,183,733.67
$ 20,484,772.20
$ 19,779,694.82
$ 19,068,448.01
$ 18,350,977.79
$ 17,627,229.71
$ 16,897,148.83
$ 16,160,679.74
$ 15,417,766.55
$ 14,668,352.87
$ 13,912,381.82
$ 13,149,796.02
$ 12,380,537.60
$ 11,604,548.16
$ 10,821,768.82
$ 10,032,140.16
$ 9,235,602.25
$ 8,432,094.63
$ 7,621,556.32
$ 6,803,925.79
$ 5,979,141.01
$ 5,147,139.35
$ 4,307,857.68
$ 3,461,232.30
$ 2,607,198.94
$ 1,745,692.79
$ 876,648.46
-$ 0.00
mentando cada año el 5%

MESES AL AÑO INGRESOS ANUAL

12
$ 7,200,000.00
12 $ 7,560,000.00
12 $ 7,938,000.00
12 $ 8,334,900.00

12
$ 8,751,645.00
12 $ 9,189,227.25
12 $ 9,648,688.61
12 $ 10,131,123.04
12 $ 10,637,679.20
12 $ 11,169,563.16
12 $ 11,728,041.31
12 $ 12,314,443.38
12 $ 12,930,165.55
12 $ 13,576,673.82
12 $ 14,255,507.52
180 $ 155,365,657.84
$ 300,000,000.00
$ 455,365,657.84

agar la deuda y los $20.000.000 en un CDT al 6% EAV en

(1+6%EAV)^(1/12) - 1
a nueva de $54.924.610, 51

euda a 180 meses con cuotas de $ 884.319, 14 y arrendar su

crementos del 5% anual, lo cual le generaría unos ingresos
enda nueva incluido los intereses $159.177.445,01

os, en términos de futuro le generaría tan solo $47.931.163,

Valor Automovil $ 40,000,000.00
Cuota Inicial $ 21,000,000.00
Saldo $ 19,000,000.00
Plazo (3 Años) 36
Tasa 13% EA 1.023684%
Tasa Mensual = (1+13%EAV)^(1/12) - 1
Pago Mensual $633,654.16

ABONO A
No. PAGO INTERESES
CAPITAL
0
1 $633,654.16 $ 194,500.04 $439,154.12
2 $633,654.16 $ 190,004.49 $443,649.67
3 $633,654.16 $ 185,462.92 $448,191.25
4 $633,654.16 $ 180,874.85 $452,779.31
5 $633,654.16 $ 176,239.82 $457,414.34
6 $633,654.16 $ 171,557.34 $462,096.82
7 $633,654.16 $ 166,826.93 $466,827.23
8 $633,654.16 $ 162,048.09 $471,606.07
9 $633,654.16 $ 157,220.33 $476,433.83
10 $633,654.16 $ 152,343.16 $481,311.01
11 $633,654.16 $ 147,416.05 $486,238.11
12 $633,654.16 $ 142,438.51 $491,215.66
13 $633,654.16 $ 137,410.01 $496,244.16
14 $633,654.16 $ 132,330.03 $501,324.13
15 $633,654.16 $ 127,198.06 $506,456.11
16 $633,654.16 $ 122,013.54 $511,640.62
17 $633,654.16 $ 116,775.96 $516,878.21
18 $633,654.16 $ 111,484.76 $522,169.41
19 $633,654.16 $ 106,139.39 $527,514.77
20 $633,654.16 $ 100,739.30 $532,914.86
21 $633,654.16 $ 95,283.94 $538,370.23
22 $633,654.16 $ 89,772.72 $543,881.44
23 $633,654.16 $ 84,205.09 $549,449.07
24 $633,654.16 $ 78,580.47 $555,073.69
25 $633,654.16 $ 72,898.27 $560,755.90
26 $633,654.16 $ 67,157.90 $566,496.27
27 $633,654.16 $ 61,358.76 $572,295.40
28 $633,654.16 $ 55,500.26 $578,153.90
29 $633,654.16 $ 49,581.79 $584,072.37
 30 $633,654.16 $ 43,602.73 $590,051.43
31 $633,654.16 $ 37,562.47 $596,091.70
32 $633,654.16 $ 31,460.37 $602,193.79
33 $633,654.16 $ 25,295.81 $608,358.36
34 $633,654.16 $ 19,068.14 $614,586.03
35 $633,654.16 $ 12,776.72 $620,877.45
36 $633,654.16 $ 6,420.89 $627,233.27

SALDO DEL MES 22 $ 8,225,688.63

Se calcula con VA = VF/(1+0,01023684)^14
VA $7,132,592.55 SALDO A PAGAR
 CAPITAL A
AMORTIZAR
$ 19,000,000.00
$ 18,560,845.88
$ 18,117,196.21
$ 17,669,004.96
$ 17,216,225.65
$ 16,758,811.31
$ 16,296,714.49
$ 15,829,887.25
$ 15,358,281.18
$ 14,881,847.35
$ 14,400,536.34
$ 13,914,298.23
$ 13,423,082.57
$ 12,926,838.41
$ 12,425,514.28
$ 11,919,058.17
$ 11,407,417.55
$ 10,890,539.34
$ 10,368,369.94
$ 9,840,855.16
$ 9,307,940.30
$ 8,769,570.07
$ 8,225,688.63
$ 7,676,239.56
$ 7,121,165.87
$ 6,560,409.97
$ 5,993,913.70
$ 5,421,618.30
$ 4,843,464.40
$ 4,259,392.03
 $ 3,669,340.60
$ 3,073,248.90
$ 2,471,055.11
$ 1,862,696.75
$ 1,248,110.72
$ 627,233.27
$ 0.00

LDO A PAGAR
Valor Prestamo $ 10,000,000
No. Pagos Trimestrales 4
tasa 34% NTV 8.50%
PAGO (EXCEL) $3,052,878.93

ABONO A
No. PAGO INTERESES
CAPITAL
0
1 $3,052,878.93 $ 850,000.00 $2,202,878.93
2 $3,052,878.93 $ 662,755.29 $2,390,123.63
3 $3,052,878.93 $ 459,594.78 $2,593,284.14
4 $3,052,878.93 $ 239,165.63 $2,813,713.30

VA =$10.000.000,00

PAGO = $3.052.878,93
34%NTV
 CAPITAL A
AMORTIZAR
$ 10,000,000.00
$ 7,797,121.07
$ 5,406,997.44
$ 2,813,713.30
$ -

O = $3.052.878,93
4%NTV
No. Cuotas Quincenales 25
Pagos $100,000
Tasa Mensual 2.30%
Tasa EA con = ((1+0,023)^12-1) 31.37%
Tasa Quincenal (1+%EA)^(1/24)-1) 1.1434%
VA (EXCEL) $2,163,779.43

No. PAGO INTERESES

0
1 $100,000.00 $ 24,739.61
2 $100,000.00 $ 23,879.12
3 $100,000.00 $ 23,008.79
4 $100,000.00 $ 22,128.51
5 $100,000.00 $ 21,238.17
6 $100,000.00 $ 20,337.64
7 $100,000.00 $ 19,426.82
8 $100,000.00 $ 18,505.58
9 $100,000.00 $ 17,573.82
10 $100,000.00 $ 16,631.40
11 $100,000.00 $ 15,678.20
12 $100,000.00 $ 14,714.10
13 $100,000.00 $ 13,738.99
14 $100,000.00 $ 12,752.72
15 $100,000.00 $ 11,755.18
16 $100,000.00 $ 10,746.23
17 $100,000.00 $ 9,725.74
18 $100,000.00 $ 8,693.59
19 $100,000.00 $ 7,649.64
20 $100,000.00 $ 6,593.75
21 $100,000.00 $ 5,525.79
22 $100,000.00 $ 4,445.61
23 $100,000.00 $ 3,353.09
24 $100,000.00 $ 2,248.08
25 $100,000.00 $ 1,130.43

EL SALDO EN EL MES 22 $ 1,371,248.88

Se calcula con VA = VF/(1+0,01434)^15
VA $1,107,549.14
 CAPITAL A
ABONO A CAPITAL
AMORTIZAR
$ 2,163,779.43
$75,260.39 $ 2,088,519.04
$76,120.88 $ 2,012,398.16
$76,991.21 $ 1,935,406.95
$77,871.49 $ 1,857,535.46
$78,761.83 $ 1,778,773.63
$79,662.36 $ 1,699,111.27
$80,573.18 $ 1,618,538.09
$81,494.42 $ 1,537,043.67
$82,426.18 $ 1,454,617.49
$83,368.60 $ 1,371,248.88
$84,321.80 $ 1,286,927.08
$85,285.90 $ 1,201,641.19
$86,261.01 $ 1,115,380.17
$87,247.28 $ 1,028,132.89
$88,244.82 $ 939,888.07
$89,253.77 $ 850,634.29
$90,274.26 $ 760,360.04
$91,306.41 $ 669,053.63
$92,350.36 $ 576,703.26
$93,406.25 $ 483,297.01
$94,474.21 $ 388,822.80
$95,554.39 $ 293,268.41
$96,646.91 $ 196,621.50
$97,751.92 $ 98,869.57
$98,869.57 -$ 0.00

SALDO A PAGAR