1.

50% 2,500,000 4000000

g 0.50% 5%
21116.294358 1
2
36 3
4
No cuota intereces Saldo 5
o 21,116 2,500,000 6
1 21,222 37,500 2,558,722 7
2 21,328 38,381 2,618,431
3 21,435 39,276 2,679,142
4 21,542 40,187 2,740,871
5 21,650 41,113 2,803,633
6 21,758 42,054 2,867,446
7 21,867 43,012 2,932,324
8 21,976 43,985 2,998,284
9 22,086 44,974 3,065,345
10 22,196 45,980 3,133,521
11 22,307 47,003 3,202,831
12 22,419 48,042 3,273,292
13 22,531 49,099 3,344,922
14 22,643 50,174 3,417,739
15 22,757 51,266 3,491,762
16 22,870 52,376 3,567,009
17 22,985 53,505 3,643,499
18 23,100 54,652 3,721,251
19 23,215 55,819 3,800,285
20 23,331 57,004 3,880,621
21 23,448 58,209 3,962,278
22 23,565 59,434 4,045,277
23 23,683 60,679 4,129,640
24 23,801 61,945 4,215,386
25 23,920 63,231 4,302,537
26 24,040 64,538 4,391,115
27 24,160 65,867 4,481,142
28 24,281 67,217 4,572,640
29 24,402 68,590 4,665,632
30 24,524 69,984 4,760,141
31 24,647 71,402 4,856,190
32 24,770 72,843 4,953,804
33 24,894 74,307 5,053,005
34 25,019 75,795 5,153,818
35 25,144 77,307 5,256,269
36 25,269 78,844 5,360,383
4,000,000
4,200,000
4,410,000
4,630,500
4,862,025
5,105,126
5,360,383
p 18000000 i 2% Cuotas Iguales 481,963
n 30 n 20
G 1%
c1 703422.16
abono 5,000,000 12

No cuota intereces amortizacion Saldo No

0 18,000,000 0
1 703,422 360,000 343,422 17,656,578 1
2 710,456 353,132 357,325 17,299,253 2
3 717,561 345,985 371,576 16,927,677 3
4 724,737 338,554 386,183 16,541,494 4
5 731,984 330,830 401,154 16,140,340 5
6 739,304 322,807 416,497 15,723,843 6
7 746,697 314,477 432,220 15,291,623 7
8 754,164 305,832 448,331 14,843,292 8
9 761,705 296,866 464,840 14,378,452 9
10 769,322 287,569 481,753 13,896,699 10
11 777,016 277,934 499,082 13,397,617 11
12 784,786 267,952 516,834 12,880,784 12
13 792,634 257,616 535,018 12,345,766 13
14 800,560 246,915 553,645 11,792,121 14
15 808,566 235,842 572,723 11,219,398 15
16 816,651 224,388 592,263 10,627,134 16
17 824,818 212,543 612,275 10,014,859 17
18 833,066 200,297 632,769 9,382,090 18
19 841,397 187,642 653,755 8,728,336 19
20 849,811 174,567 675,244 8,053,092 20
21 858,309 161,062 697,247 7,355,845
22 866,892 147,117 719,775 6,636,070
23 875,561 132,721 742,839 5,893,230
24 884,316 117,865 766,452 5,126,779
25 893,159 102,536 790,624 4,336,155
26 902,091 86,723 815,368 3,520,787
27 911,112 70,416 840,696 2,680,091
28 920,223 53,602 866,621 1,813,469
29 929,425 36,269 893,156 920,313
30 938,720 18,406 920,313 0
cuota intereces amortizacion Saldo
7,880,784
481,963 157,616 324,347 7,556,437
481,963 151,129 330,834 7,225,602
481,963 144,512 337,451 6,888,152
481,963 137,763 344,200 6,543,952
481,963 130,879 351,084 6,192,868
481,963 123,857 358,106 5,834,762
481,963 116,695 365,268 5,469,495
481,963 109,390 372,573 5,096,922
481,963 101,938 380,024 4,716,897
481,963 94,338 387,625 4,329,272
481,963 86,585 395,377 3,933,895
481,963 78,678 403,285 3,530,610
481,963 70,612 411,351 3,119,259
481,963 62,385 419,578 2,699,682
481,963 53,994 427,969 2,271,712
481,963 45,434 436,529 1,835,184
481,963 36,704 445,259 1,389,925
481,963 27,798 454,164 935,760
481,963 18,715 463,248 472,513
481,963 9,450 472,513 0
Cuota 500000
G 0.50% Cuota Fija
i 2%
P 9974018.23

No cuota intereces amortizacion Saldo No

0 9,974,018 0
1 500,000 199,480 300,520 9,673,499 1
2 502,500 193,470 309,030 9,364,469 2
3 505,013 187,289 317,723 9,046,745 3
4 507,538 180,935 326,603 8,720,143 4
5 510,075 174,403 335,672 8,384,470 5
6 512,626 167,689 344,936 8,039,534 6
7 515,189 160,791 354,398 7,685,136 7
8 517,765 153,703 364,062 7,321,074 8
9 520,354 146,421 373,932 6,947,142 9
10 522,955 138,943 384,012 6,563,130 10
11 525,570 131,263 394,307 6,168,822 11
12 528,198 123,376 404,821 5,764,001 12
13 530,839 115,280 415,559 5,348,442 13
14 533,493 106,969 426,524 4,921,918 14
15 536,161 98,438 437,722 4,484,195 15
16 538,841 89,684 449,157 4,035,038 16
17 541,536 80,701 460,835 3,574,203 17
18 544,243 71,484 472,759 3,101,444 18
19 546,964 62,029 484,936 2,616,508 19
20 549,699 52,330 497,369 2,119,139 20
21 552,448 42,383 510,065 1,609,074 21
22 555,210 32,181 523,029 1,086,046 22
23 557,986 21,721 536,265 549,780 23
24 560,776 10,996 549,780 0 24
527337.288

cuota intereces amortizacion Saldo

9,974,018
527,337 199,480 327,857 9,646,161
527,337 192,923 334,414 9,311,747
527,337 186,235 341,102 8,970,645
527,337 179,413 347,924 8,622,721
527,337 172,454 354,883 8,267,838
527,337 165,357 361,981 7,905,857
527,337 158,117 369,220 7,536,637
527,337 150,733 376,605 7,160,032
527,337 143,201 384,137 6,775,896
527,337 135,518 391,819 6,384,076
527,337 127,682 399,656 5,984,421
527,337 119,688 407,649 5,576,772
527,337 111,535 415,802 5,160,970
527,337 103,219 424,118 4,736,852
527,337 94,737 432,600 4,304,252
527,337 86,085 441,252 3,863,000
527,337 77,260 450,077 3,412,922
527,337 68,258 459,079 2,953,843
527,337 59,077 468,260 2,485,583
527,337 49,712 477,626 2,007,957
527,337 40,159 487,178 1,520,779
527,337 30,416 496,922 1,023,857
527,337 20,477 506,860 516,997
527,337 10,340 516,997 0
 P 75000000
j 30% i 3%
n 60
G 0.50%
Cuota Extra Al Final 5,000,000
A1 2,000,000

No cuota intereces amortizacion Saldo

0 1,000 75,000,000
1 2,000,000 1,875,000 125,000 74,875,000
2 2,010,000 1,871,875 138,125 74,736,875
3 2,020,050 1,868,422 151,628 74,585,247
4 2,030,150 1,864,631 165,519 74,419,728
5 2,040,301 1,860,493 179,808 74,239,920
6 2,050,503 1,855,998 194,505 74,045,415
7 2,060,755 1,851,135 209,620 73,835,796
8 2,071,059 1,845,895 225,164 73,610,632
9 2,081,414 1,840,266 241,148 73,369,484
10 2,091,821 1,834,237 257,584 73,111,900
11 2,102,280 1,827,797 274,483 72,837,417
12 2,112,792 1,820,935 291,856 72,545,561
13 2,123,356 1,813,639 309,717 72,235,844
14 2,133,972 1,805,896 328,076 71,907,768
15 2,144,642 1,797,694 346,948 71,560,820
16 2,155,365 1,789,020 366,345 71,194,475
17 2,166,142 1,779,862 386,280 70,808,194
18 2,176,973 1,770,205 406,768 70,401,426
19 2,187,858 1,760,036 427,822 69,973,604
20 2,198,797 1,749,340 449,457 69,524,147
21 2,209,791 1,738,104 471,687 69,052,459
22 2,220,840 1,726,311 494,529 68,557,931
23 2,231,944 1,713,948 517,996 68,039,935
24 2,243,104 1,700,998 542,106 67,497,829
25 2,254,320 1,687,446 566,874 66,930,955
26 2,265,591 1,673,274 592,317 66,338,638
27 2,276,919 1,658,466 618,453 65,720,185
28 2,288,304 1,643,005 645,299 65,074,886
29 2,299,745 1,626,872 672,873 64,402,012
30 2,311,244 1,610,050 701,194 63,700,819
31 2,322,800 1,592,520 730,280 62,970,539
32 2,334,414 1,574,263 760,151 62,210,388
33 2,346,086 1,555,260 790,827 61,419,562
34 2,357,817 1,535,489 822,328 60,597,234
35 2,369,606 1,514,931 854,675 59,742,559
36 2,381,454 1,493,564 887,890 58,854,670
37 2,393,361 1,471,367 921,994 57,932,675
38 2,405,328 1,448,317 957,011 56,975,664
39 2,417,354 1,424,392 992,963 55,982,701
40 2,429,441 1,399,568 1,029,874 54,952,828
41 2,441,588 1,373,821 1,067,768 53,885,060
42 2,453,796 1,347,126 1,106,670 52,778,390
43 2,466,065 1,319,460 1,146,606 51,631,784
44 2,478,396 1,290,795 1,187,601 50,444,183
45 2,490,788 1,261,105 1,229,683 49,214,500
46 2,503,242 1,230,363 1,272,879 47,941,621
47 2,515,758 1,198,541 1,317,217 46,624,404
48 2,528,337 1,165,610 1,362,727 45,261,677
49 2,540,978 1,131,542 1,409,436 43,852,241
50 2,553,683 1,096,306 1,457,377 42,394,864
51 2,566,452 1,059,872 1,506,580 40,888,283
52 2,579,284 1,022,207 1,557,077 39,331,207
53 2,592,180 983,280 1,608,900 37,722,307
54 2,605,141 943,058 1,662,084 36,060,223
55 2,618,167 901,506 1,716,661 34,343,562
56 2,631,258 858,589 1,772,669 32,570,893
57 2,644,414 814,272 1,830,142 30,740,751
58 2,657,636 768,519 1,889,117 28,851,634
59 2,670,924 721,291 1,949,633 26,902,000
60 7,684,279 672,550 7,011,729 19,890,272
P 34000000 P 32,879,657
n 24 n 12
j 34% 3% j 9%
G 4% G 12000
1275659.52 4,478,202

No cuota intereces amortizacion Saldo No

0 34,000,000 0
1 1,275,660 963,333 312,326 33,687,674 1
2 1,326,686 954,484 372,202 33,315,472 2
3 1,379,753 943,938 435,815 32,879,657 3
4 1,434,943 931,590 503,353 32,376,304 4
5 1,492,341 917,329 575,013 31,801,291 5
6 1,552,035 901,037 650,998 31,150,293 6
7 1,614,116 882,592 731,525 30,418,768 7
8 1,678,681 861,865 816,816 29,601,953 8
9 1,745,828 838,722 907,106 28,694,846 9
10 1,815,661 813,021 1,002,641 27,692,206 10
11 1,888,288 784,612 1,103,675 26,588,531 11
12 1,963,819 753,342 1,210,478 25,378,053 12
13 2,042,372 719,045 1,323,327 24,054,726
14 2,124,067 681,551 1,442,516 22,612,210
15 2,209,030 640,679 1,568,350 21,043,859
16 2,297,391 596,243 1,701,148 19,342,711
17 2,389,286 548,043 1,841,243 17,501,468
18 2,484,858 495,875 1,988,983 15,512,485
19 2,584,252 439,520 2,144,732 13,367,754
20 2,687,622 378,753 2,308,869 11,058,885
21 2,795,127 313,335 2,481,792 8,577,092
22 2,906,932 243,018 2,663,915 5,913,178
23 3,023,209 167,540 2,855,669 3,057,508
24 3,144,138 86,629 3,057,508 0
Trimestres

479
4,477,723

cuota intereces amortizacion Saldo

32,879,657
4,478,202 2,874,704 1,603,498 31,276,159
4,490,202 2,734,508 1,755,694 29,520,466
4,502,202 2,581,006 1,921,196 27,599,270
4,514,202 2,413,034 2,101,168 25,498,102
4,526,202 2,229,327 2,296,875 23,201,227
4,538,202 2,028,508 2,509,694 20,691,533
4,550,202 1,809,083 2,741,119 17,950,414
4,562,202 1,569,424 2,992,778 14,957,637
4,574,202 1,307,762 3,266,440 11,691,197
4,586,202 1,022,174 3,564,028 8,127,169
4,598,202 710,567 3,887,635 4,239,535
4,610,202 370,667 4,239,535 0
n 24 Trimestrales
J 6000
A1 320000
i 36% 3%
200000 3387108.42

No cuota intereces amortizacion Saldo No

0 3,387,108 0
1 200,000 101,613 98,387 3,288,722 1
2 200,000 98,662 101,338 3,187,383 2
3 200,000 95,621 104,379 3,083,005 3
4 200,000 92,490 107,510 2,975,495 4
5 200,000 89,265 110,735 2,864,760 5
6 200,000 85,943 114,057 2,750,703 6
7 200,000 82,521 117,479 2,633,224 7
8 200,000 78,997 121,003 2,512,220 8
9 200,000 75,367 124,633 2,387,587 9
10 200,000 71,628 128,372 2,259,215 10
11 200,000 67,776 132,224 2,126,991 11
12 200,000 63,810 136,190 1,990,801 12
13 200,000 59,724 140,276 1,850,525 13
14 200,000 55,516 144,484 1,706,041 14
15 200,000 51,181 148,819 1,557,222 15
16 200,000 46,717 153,283 1,403,938 16
17 200,000 42,118 157,882 1,246,057 17
18 200,000 37,382 162,618 1,083,438 18
19 200,000 32,503 167,497 915,941 19
20 200,000 27,478 172,522 743,420 20
21 200,000 22,303 177,697 565,722 21
22 200,000 16,972 183,028 382,694 22
23 200,000 11,481 188,519 194,175 23
24 200,000 5,825 194,175 0 24
i 6%

cuota intereces amortizacion Saldo

3,387,108
320000 199217.835 120782.165 3,266,326
314000 192113.852 121886.148 3,144,440
308000 184944.936 123055.064 3,021,385
302000 177707.269 124292.731 2,897,092
296000 170396.807 125603.193 2,771,489
290000 163009.267 126990.733 2,644,498
284000 155540.118 128459.882 2,516,039
278000 147984.558 130015.442 2,386,023
272000 140337.506 131662.494 2,254,361
266000 132593.58 133406.42 2,120,954
260000 124747.083 135252.917 1,985,701
254000 116791.981 137208.019 1,848,493
248000 108721.886 139278.114 1,709,215
242000 100530.036 141469.964 1,567,745
236000 92209.2692 143790.731 1,423,954
230000 83752.0029 146247.997 1,277,706
224000 75150.2087 148849.791 1,128,857
218000 66395.3862 151604.614 977,252
212000 57478.5347 154521.465 822,731
206000 48390.1242 157609.876 665,121
200000 39120.0642 160879.936 504,241
194000 29657.6707 164342.329 339,898
188000 19991.6315 168008.369 171,890
182000 10109.9686 171890.031 0
n 45 p $ 41,525,773
G 32000
A 500000
i 1%

No cuota intereces amortizacion Saldo

0 41,525,773
1 500,000 415,258 84,742 41,441,031
2 532,000 414,410 117,590 41,323,441
3 564,000 413,234 150,766 41,172,676
4 596,000 411,727 184,273 40,988,403
5 628,000 409,884 218,116 40,770,287
6 660,000 407,703 252,297 40,517,989
7 692,000 405,180 286,820 40,231,169
8 724,000 402,312 321,688 39,909,481
9 756,000 399,095 356,905 39,552,576
10 788,000 395,526 392,474 39,160,102
11 820,000 391,601 428,399 38,731,703
12 852,000 387,317 464,683 38,267,020
13 884,000 382,670 501,330 37,765,690
14 916,000 377,657 538,343 37,227,347
15 948,000 372,273 575,727 36,651,620
16 980,000 366,516 613,484 36,038,136
17 1,012,000 360,381 651,619 35,386,518
18 1,044,000 353,865 690,135 34,696,383
19 1,076,000 346,964 729,036 33,967,347
20 1,108,000 339,673 768,327 33,199,020
21 1,140,000 331,990 808,010 32,391,011
22 1,172,000 323,910 848,090 31,542,921
23 1,204,000 315,429 888,571 30,654,350
24 1,236,000 306,543 929,457 29,724,893
25 1,268,000 297,249 970,751 28,754,142
26 1,300,000 287,541 1,012,459 27,741,684
27 1,332,000 277,417 1,054,583 26,687,101
28 1,364,000 266,871 1,097,129 25,589,972
29 1,396,000 255,900 1,140,100 24,449,871
30 1,428,000 244,499 1,183,501 23,266,370
31 1,460,000 232,664 1,227,336 22,039,034
32 1,492,000 220,390 1,271,610 20,767,424
33 1,524,000 207,674 1,316,326 19,451,098
34 1,556,000 194,511 1,361,489 18,089,609
35 1,588,000 180,896 1,407,104 16,682,505
36 1,620,000 166,825 1,453,175 15,229,330
37 1,652,000 152,293 1,499,707 13,729,624
38 1,684,000 137,296 1,546,704 12,182,920
39 1,716,000 121,829 1,594,171 10,588,749
40 1,748,000 105,887 1,642,113 8,946,637
41 1,780,000 89,466 1,690,534 7,256,103
42 1,812,000 72,561 1,739,439 5,516,664
43 1,844,000 55,167 1,788,833 3,727,831
44 1,876,000 37,278 1,838,722 1,889,109
45 1,908,000 18,891 1,889,109 0
P 50000000
J 30% 3%
G 2%
A1 1012364.59

No cuota intereces amortizacion Saldo

0 50,000,000
1 1,012,365 1,250,000 -237,635 50,237,635
2 1,032,612 1,255,941 -223,329 50,460,964
3 1,053,264 1,261,524 -208,260 50,669,224
4 1,074,329 1,266,731 -192,401 50,861,626
5 1,095,816 1,271,541 -175,725 51,037,350
6 1,117,732 1,275,934 -158,201 51,195,552
7 1,140,087 1,279,889 -139,802 51,335,354
8 1,162,889 1,283,384 -120,495 51,455,849
9 1,186,146 1,286,396 -100,250 51,556,098
10 1,209,869 1,288,902 -79,033 51,635,132
11 1,234,067 1,290,878 -56,812 51,691,943
12 1,258,748 1,292,299 -33,550 51,725,493
13 1,283,923 1,293,137 -9,214 51,734,708
14 1,309,602 1,293,368 16,234 51,718,474
15 1,335,794 1,292,962 42,832 51,675,642
16 1,362,509 1,291,891 70,618 51,605,024
17 1,389,760 1,290,126 99,634 51,505,390
18 1,417,555 1,287,635 129,920 51,375,470
P 70000000
i 30% 3%
G 15000
A1 1994232.69

No cuota intereces amortizacion Saldo

0 70,000,000
1 1,994,233 1,750,000 244,233 69,755,767
2 2,009,233 1,743,894 265,339 69,490,429
3 2,024,233 1,737,261 286,972 69,203,457
4 2,039,233 1,730,086 309,146 68,894,311
5 2,054,233 1,722,358 331,875 68,562,436
6 2,069,233 1,714,061 355,172 68,207,264
7 2,084,233 1,705,182 379,051 67,828,213
8 2,099,233 1,695,705 403,527 67,424,685
i 2% 32,000,001
n 80
C1 104,740
G 5%
Saldo 42,288,047 18

No cuota intereces amortizacion Saldo

0 32,000,001
1 104,740 640,000 -535,260 32,535,260
2 109,977 650,705 -540,728 33,075,988
3 115,476 661,520 -546,044 33,622,032
4 121,250 672,441 -551,191 34,173,223
5 127,312 683,464 -556,152 34,729,375
6 133,678 694,587 -560,909 35,290,284
7 140,362 705,806 -565,444 35,855,728
8 147,380 717,115 -569,735 36,425,463
9 154,749 728,509 -573,760 36,999,223
10 162,486 739,984 -577,498 37,576,721
11 170,611 751,534 -580,924 38,157,644
12 179,141 763,153 -584,012 38,741,656
13 188,098 774,833 -586,735 39,328,391
14 197,503 786,568 -589,065 39,917,455
15 207,378 798,349 -590,971 40,508,426
16 217,747 810,169 -592,421 41,100,847
17 228,635 822,017 -593,382 41,694,229
18 240,067 833,885 -593,818 42,288,047
19 252,070 845,761 -593,691 42,881,738
20 264,673 857,635 -592,961 43,474,700
21 277,907 869,494 -591,587 44,066,287
22 291,802 881,326 -589,523 44,655,810
23 306,392 893,116 -586,724 45,242,534
24 321,712 904,851 -583,139 45,825,673
25 337,798 916,513 -578,716 46,404,388
26 354,688 928,088 -573,400 46,977,789
27 372,422 939,556 -567,134 47,544,922
28 391,043 950,898 -559,855 48,104,778
29 410,595 962,096 -551,500 48,656,278
30 431,125 973,126 -542,001 49,198,279
31 452,681 983,966 -531,284 49,729,563
32 475,315 994,591 -519,276 50,248,839
33 499,081 1,004,977 -505,896 50,754,735
34 524,035 1,015,095 -491,060 51,245,795
35 550,237 1,024,916 -474,679 51,720,474
36 577,749 1,034,409 -456,661 52,177,135
37 606,636 1,043,543 -436,907 52,614,041
38 636,968 1,052,281 -415,313 53,029,354
39 668,816 1,060,587 -391,771 53,421,125
40 702,257 1,068,422 -366,165 53,787,290
41 737,370 1,075,746 -338,376 54,125,666
42 774,238 1,082,513 -308,275 54,433,941
43 812,950 1,088,679 -275,728 54,709,669
44 853,598 1,094,193 -240,595 54,950,265
45 896,278 1,099,005 -202,727 55,152,992
46 941,092 1,103,060 -161,968 55,314,961
47 988,146 1,106,299 -118,153 55,433,113
48 1,037,554 1,108,662 -71,109 55,504,222
49 1,089,431 1,110,084 -20,653 55,524,875
50 1,143,903 1,110,498 33,405 55,491,470
51 1,201,098 1,109,829 91,269 55,400,201
52 1,261,153 1,108,004 153,149 55,247,053
53 1,324,211 1,104,941 219,269 55,027,783
54 1,390,421 1,100,556 289,865 54,737,918
55 1,459,942 1,094,758 365,184 54,372,734
56 1,532,939 1,087,455 445,485 53,927,249
57 1,609,586 1,078,545 531,041 53,396,208
58 1,690,065 1,067,924 622,141 52,774,067
59 1,774,569 1,055,481 719,087 52,054,980
60 1,863,297 1,041,100 822,198 51,232,782
61 1,956,462 1,024,656 931,806 50,300,976
62 2,054,285 1,006,020 1,048,266 49,252,710
63 2,156,999 985,054 1,171,945 48,080,765
64 2,264,849 961,615 1,303,234 46,777,531
65 2,378,092 935,551 1,442,541 45,334,989
66 2,496,996 906,700 1,590,297 43,744,693
67 2,621,846 874,894 1,746,952 41,997,740
68 2,752,939 839,955 1,912,984 40,084,757
69 2,890,585 801,695 2,088,890 37,995,866
70 3,035,115 759,917 2,275,197 35,720,669
71 3,186,871 714,413 2,472,457 33,248,212
72 3,346,214 664,964 2,681,250 30,566,962
73 3,513,525 611,339 2,902,185 27,664,776
74 3,689,201 553,296 3,135,905 24,528,871
75 3,873,661 490,577 3,383,084 21,145,787
76 4,067,344 422,916 3,644,428 17,501,359
77 4,270,711 350,027 3,920,684 13,580,675
78 4,484,247 271,613 4,212,633 9,368,042
79 4,708,459 187,361 4,521,098 4,846,943
80 4,943,882 96,939 4,846,943 0