TALLER ANDRES FAJARDO KRIS MARTINEZ

1. vp $ 1,200,000
i 5%
n 30
I

n periodos Saldo interes

0
1 $ 1,200,000 4889
2 $ 1,204,889 4909
3 $ 1,209,798 4929
4 $ 1,214,727 4949
5 $ 1,219,676 4969
6 $ 1,224,645 4989
7 $ 1,229,634 5010
8 $ 1,234,644 5030
9 $ 1,239,674 5051
10 $ 1,244,724 5071
11 $ 1,249,796 5092
12 $ 1,254,887 5113
13 $ 1,260,000 5133
14 $ 1,265,133 5154
15 $ 1,270,288 5175
16 $ 1,275,463 5196
17 $ 1,280,659 5218
18 $ 1,285,877 5239
19 $ 1,291,116 5260
20 $ 1,296,376 5282
21 $ 1,301,658 5303
22 $ 1,306,961 5325
23 $ 1,312,285 5346
24 $ 1,317,632 5368
25 $ 1,323,000 5390
26 $ 1,328,390 5412
27 $ 1,333,802 5434
28 $ 1,339,236 5456
29 $ 1,344,692 5478
30 $ 1,350,171 5501
$ 155,671.59

2.
VF $ 4,500,000
 i 0.025
N 7
VA $ 3,785,693.56

3. VF $ 6,500,000
N 12
i 7.01%
VA $ 2,882,842.98

4. VF $ 1,500,000.00
VA $ 700,000.00
i 2.50%
N 30.87

5. VA $ 4,000,000
N 12
VF $ 60,000,000
i 25.32%

N 144
i 1.9%

N 48
i 5.8%

6. vp $ 20,000,000.00
n 12
i 6%
vf $ 40,243,929.44

i 1.50%
n 24
vf $ 57,528,810.29

7.

1 deuda 25000
2deuda 40000
i 36%
NM 0.03
Deuda 78990.29
Pagos 2.23
Valor pagos 35423.66

8.

1deuda $ 100,000
i 30% nm
n 6 meses
nm 0.025

Refinanciar
i
nm

vf
vf

Valor pago

9.

10.
3%
valor n pago
$ 30,000,000 5 $ 9,000,000
$ 38,000,000 8 $ 28,000,000
$ 18,000,000 12 x

v12 vf12
ingresos $ 36,896,216 42769334.78
egresos $ 12,831,848 28000000
11.

mes
6 $ 15,000,000
9 $ 28,000,000
12 $ 42,000,000
15 $ 95,000,000

2.23%
0 $ -
1 $ -
2 $ -
3 $ -
4 $ -
5 $ -
6 $ 15,000,000.00
7 $ -
8 $ -
9 $ 28,000,000.00
10 $ -
11 $ -
12 $ 42,000,000.00
13 $ -
14 $ -
15 $ 95,000,000.00

12.

n 12 meses
A $ 450,000
i 2% mensual
Vp $ 4,758,903.55

13. VP $ 60,000,000
N 180
T 3%
 A $ 1,808,845.06

14.

vp $ 8,000,000
n 24 meses
i 3.2%
a 120000

mes8 0.7772530
mes16 0.60412
1.3813753

Cuotas extras $ 4,351,340.66

15.

vp $ 820,000
a $ 300,000
n 12 meses
i 3%
vf $ 5,426,732.80

16.

vf $ 100,000,000
n 12 bimestres
I 24% bimestral
a $ 6,655,217.27

17.

a $ 700,000
n 12 meses
i 3% mensual
vp $ 6,967,802.80
pago $ 7,176,836.88

18.

va $ 12,000,000
a $ 1,025,000
i 24% trimestral
0.06

n Saldo inicial Interes

0
1 $ 12,000,000 $ 720,000
2 $ 11,695,000 $ 701,700
3 $ 11,371,700 $ 682,302
4 $ 11,029,002 $ 661,740
5 $ 10,665,742 $ 639,945
6 $ 10,280,687 $ 616,841
7 $ 9,872,528 $ 592,352
8 $ 9,439,880 $ 566,393
9 $ 8,981,272 $ 538,876
10 $ 8,495,149 $ 509,709
11 $ 7,979,858 $ 478,791
12 $ 7,433,649 $ 446,019
13 $ 6,854,668 $ 411,280
14 $ 6,240,948 $ 374,457
15 $ 5,590,405 $ 335,424
16 $ 4,900,829 $ 294,050
17 $ 4,169,879 $ 250,193
18 $ 3,395,072 $ 203,704
19 $ 2,573,776 $ 154,427
20 $ 1,703,203 $ 102,192
21 $ 780,395 $ 46,824

19.
va $ 100,000,000
n 5
i 20%
0.016666666666667
a $ 2,649,388.4

Periodos Saldo inicial Interes

0
1 $ 100,000,000 $ 1,666,667
2 $ 99,017,278 $ 1,650,288
3 $ 98,018,178 $ 1,633,636
4 $ 97,002,426 $ 1,616,707
5 $ 95,969,745 $ 1,599,496
6 $ 94,919,852 $ 1,581,998
7 $ 93,852,461 $ 1,564,208
 8 $ 92,767,280 $ 1,546,121
9 $ 91,664,013 $ 1,527,734
10 $ 90,542,359 $ 1,509,039
11 $ 89,402,009 $ 1,490,033
12 $ 88,242,655 $ 1,470,711
13 $ 87,063,977 $ 1,451,066
14 $ 85,865,655 $ 1,431,094
15 $ 84,647,361 $ 1,410,789
16 $ 83,408,762 $ 1,390,146
17 $ 82,149,520 $ 1,369,159
18 $ 80,869,290 $ 1,347,821
19 $ 79,567,723 $ 1,326,129
20 $ 78,244,463 $ 1,304,074
21 $ 76,899,149 $ 1,281,652
22 $ 75,531,413 $ 1,258,857
23 $ 74,140,882 $ 1,235,681

20.

21.

va $ 80,000,000
n 12
i 30%
0.025
vf $ 107,591,105.94
interes $ 27,591,105.94
retefuente $ 1,931,377.42
VF $ 105,659,728.52
Rentabilidad 2.35%

22.

23.

n 10 años
i 18% anual
vf $ 61,573,396
interes $ 11,764,488.16
n Saldo inicial interes
0
1 $ 1,770,000 $ 270,000
2 $ 2,501,600 $ 381,600
3 $ 3,364,888 $ 513,288
4 $ 4,383,568 $ 668,680
5 $ 5,585,610 $ 852,042
6 $ 7,004,020 $ 1,068,410
7 $ 8,677,743 $ 1,323,724
8 $ 10,652,737 $ 1,624,994
9 $ 12,983,230 $ 1,980,493
10 $ 15,733,211 $ 2,399,981

24.

n 12 semestres
i 8.50%

n Saldo inicial interes

0
1 $ 212,500.00
2 $ 2,712,500.00 $ 268,812.50
3 $ 3,431,312.50 $ 329,911.56
4 $ 4,211,224.06 $ 396,204.05
5 $ 5,057,428.11 $ 468,131.39
6 $ 5,975,559.50 $ 546,172.56
7 $ 6,971,732.05 $ 630,847.22
8 $ 8,052,579.28 $ 722,719.24
9 $ 9,225,298.52 $ 822,400.37
10 $ 10,497,698.89 $ 930,554.41
11 $ 11,878,253.30 $ 1,047,901.53
12 $ 13,376,154.83 $ 1,175,223.16
vf
NATALIA PALACIO

EA 0.0040741
meses

abono cuota saldo final

$ 1,200,000
-4889 $ 1,204,889
-4909 $ 1,209,798
-4929 $ 1,214,727
-4949 $ 1,219,676
-4969 $ 1,224,645
-4989 $ 1,229,634
-5010 $ 1,234,644
-5030 $ 1,239,674
-5051 $ 1,244,724
-5071 $ 1,249,796
-5092 $ 1,254,887
-5113 $ 1,260,000
-5133 $ 1,265,133
-5154 $ 1,270,288
-5175 $ 1,275,463
-5196 $ 1,280,659
-5218 $ 1,285,877
-5239 $ 1,291,116
-5260 $ 1,296,376
-5282 $ 1,301,658
-5303 $ 1,306,961
-5325 $ 1,312,285
-5346 $ 1,317,632
-5368 $ 1,323,000
-5390 $ 1,328,390
-5412 $ 1,333,802
-5434 $ 1,339,236
-5456 $ 1,344,692
-5478 $ 1,350,171
-5501 $ 1,355,672
-155672
mensual
meses

trimestres
trimestral

mensual

años

ANUAL

meses
Mensual

trimestres
Trimestral

n Deuda
0
1
2
3 $ 25,000
4
5
6
 7 $ 40,000
8
9
10
11
12

2deuda $ 200,000
i 32% nm
n 2 meses
vence 4 meses
nm 0.027

3,6,9 meses
33% nm
0.0275

$ 445,062
3.26155790788427

$ 136,457

mes pago
x
12
20

vf12 total
18000000 $ 97,665,551
0.78941 $ 40,831,849

$ 56,833,702
Saldo final 71,995,233.27

meses
mensual
 103.2%
0.469555860164537
0.530444139835463
16.5763793698582
1989165.52438298
$ 6,010,834
abono cuota saldo final
$ 12,000,000
$ 305,000 $ 1,025,000 $ 11,695,000
$ 323,300 $ 1,025,000 $ 11,371,700
$ 342,698 $ 1,025,000 $ 11,029,002
$ 363,260 $ 1,025,000 $ 10,665,742
$ 385,055 $ 1,025,000 $ 10,280,687
$ 408,159 $ 1,025,000 $ 9,872,528
$ 432,648 $ 1,025,000 $ 9,439,880
$ 458,607 $ 1,025,000 $ 8,981,272
$ 486,124 $ 1,025,000 $ 8,495,149
$ 515,291 $ 1,025,000 $ 7,979,858
$ 546,209 $ 1,025,000 $ 7,433,649
$ 578,981 $ 1,025,000 $ 6,854,668
$ 613,720 $ 1,025,000 $ 6,240,948
$ 650,543 $ 1,025,000 $ 5,590,405
$ 689,576 $ 1,025,000 $ 4,900,829
$ 730,950 $ 1,025,000 $ 4,169,879
$ 774,807 $ 1,025,000 $ 3,395,072
$ 821,296 $ 1,025,000 $ 2,573,776
$ 870,573 $ 1,025,000 $ 1,703,203
$ 922,808 $ 1,025,000 $ 780,395
$ 780,395 $ 827,218.36 $ 0

años
anual

Abono cuota Saldo Final

$ 100,000,000
$ 982,721.7 $ 2,649,388.4 $ 99,017,278.3
$ 999,100.4 $ 2,649,388.4 $ 98,018,177.9
$ 1,015,752.1 $ 2,649,388.4 $ 97,002,425.8
$ 1,032,681.3 $ 2,649,388.4 $ 95,969,744.5
$ 1,049,892.6 $ 2,649,388.4 $ 94,919,851.9
$ 1,067,390.8 $ 2,649,388.4 $ 93,852,461.1
$ 1,085,180.7 $ 2,649,388.4 $ 92,767,280.4
$ 1,103,267.0 $ 2,649,388.4 $ 91,664,013.4
$ 1,121,654.8 $ 2,649,388.4 $ 90,542,358.5
$ 1,140,349.1 $ 2,649,388.4 $ 89,402,009.5
$ 1,159,354.9 $ 2,649,388.4 $ 88,242,654.6
$ 1,178,677.5 $ 2,649,388.4 $ 87,063,977.1
$ 1,198,322.1 $ 2,649,388.4 $ 85,865,655.1
$ 1,218,294.1 $ 2,649,388.4 $ 84,647,360.9
$ 1,238,599.0 $ 2,649,388.4 $ 83,408,761.9
$ 1,259,242.3 $ 2,649,388.4 $ 82,149,519.6
$ 1,280,229.7 $ 2,649,388.4 $ 80,869,289.9
$ 1,301,566.9 $ 2,649,388.4 $ 79,567,723.0
$ 1,323,259.7 $ 2,649,388.4 $ 78,244,463.3
$ 1,345,314.0 $ 2,649,388.4 $ 76,899,149.3
$ 1,367,735.9 $ 2,649,388.4 $ 75,531,413.5
$ 1,390,531.5 $ 2,649,388.4 $ 74,140,882.0
$ 1,413,707.0 $ 2,649,388.4 $ 72,727,175.0
abono saldo final
1770000
$ 1,500,000 $ 2,501,600
$ 2,120,000 $ 3,364,888
$ 2,851,600 $ 4,383,568
$ 3,714,888 $ 5,585,610
$ 4,733,568 $ 7,004,020
$ 5,935,610 $ 8,677,743
$ 7,354,020 $ 10,652,737
$ 9,027,743 $ 12,983,230
$ 11,002,737 $ 15,733,211
$ 13,333,230 $ 61,573,396

abono saldo final

$ 2,500,000 $ 2,712,500.00
$ 3,162,500 $ 3,431,312.50
$ 3,881,313 $ 4,211,224.06
$ 4,661,224 $ 5,057,428.11
$ 5,507,428 $ 5,975,559.50
$ 6,425,559 $ 6,971,732.05
$ 7,421,732 $ 8,052,579.28
$ 8,502,579 $ 9,225,298.52
$ 9,675,299 $ 10,497,698.89
$ 10,947,699 $ 11,878,253.30
$ 12,328,253 $ 13,376,154.83
$ 13,826,155 $ 15,001,377.99
$ 88,839,741.03
11 12