Vous êtes sur la page 1sur 13

Opción A Opción B

Tasa 18.0% ACSA 3.5% Tvencido


Financiación $ 100,000,000 $ 100,000,000
Plazo 2 Años 2 Años

operaciones
1. conversion de tasa
18.00% ACSA
9.00% SA
9.89% SV 3.5% Tvencido
Tasa Efectiva 20.76% Tasa Efectiva 14.752%
Tasa Mensual 1.229%

2. Amortizacion de crédito

PRÉSTAMO CON CUOTA FIJA


Mes Cuota Interes Abono Saldo
0 $ 100,000,000
1 $ 5,480,657 $ 2,319,930 -$ 3,160,727 $ 96,839,273
2 $ 5,307,428 $ 2,246,603 -$ 3,234,054 $ 93,605,219
3 $ 5,130,181 $ 2,171,575 -$ 3,309,082 $ 90,296,137
4 $ 4,948,822 $ 2,094,807 -$ 3,385,850 $ 86,910,287
5 $ 4,763,255 $ 2,016,258 -$ 3,464,399 $ 83,445,887
6 $ 4,573,383 $ 1,935,886 -$ 3,544,771 $ 79,901,116
7 $ 4,379,106 $ 1,853,650 -$ 3,627,007 $ 76,274,109
8 $ 4,180,322 $ 1,769,506 -$ 3,711,151 $ 72,562,958
9 $ 3,976,927 $ 1,683,410 -$ 3,797,247 $ 68,765,710
10 $ 3,768,813 $ 1,595,316 -$ 3,885,341 $ 64,880,369
11 $ 3,555,871 $ 1,505,179 -$ 3,975,478 $ 60,904,891
12 $ 3,337,988 $ 1,412,951 -$ 4,067,706 $ 56,837,185
13 $ 3,115,051 $ 1,318,583 -$ 4,162,074 $ 52,675,111
14 $ 2,886,942 $ 1,222,026 -$ 4,258,631 $ 48,416,479
15 $ 2,653,541 $ 1,123,228 -$ 4,357,429 $ 44,059,050
16 $ 2,414,725 $ 1,022,139 -$ 4,458,518 $ 39,600,532
17 $ 2,170,369 $ 918,705 -$ 4,561,953 $ 35,038,580
18 $ 1,920,344 $ 812,870 -$ 4,667,787 $ 30,370,793
19 $ 1,664,519 $ 704,581 -$ 4,776,076 $ 25,594,717
20 $ 1,402,759 $ 593,779 -$ 4,886,878 $ 20,707,840
21 $ 1,134,926 $ 480,407 -$ 5,000,250 $ 15,707,590
22 $ 860,879 $ 364,405 -$ 5,116,252 $ 10,591,338
23 $ 580,475 $ 245,712 -$ 5,234,945 $ 5,356,393
24 $ 293,566 $ 124,265 -$ 5,356,393 $ -
Total $ 31,535,769

cual es la mejor opción para financiarme por un valor de 100 millones?.


13.92% Nominal Mensual
2.32%

PRESTAMO CON PERIODO DE GRACIA (6 MESES)


Mes Cuota Interes Abono Saldo
0 100,000,000
1 2,319,930 -2,319,930 0 100,000,000
2 2,319,930 -2,319,930 0 100,000,000
3 2,319,930 -2,319,930 0 100,000,000
4 -2,319,930 -2,319,930 0 100,000,000
5 -2,319,930 -2,319,930 0 100,000,000
6 -2,319,930 -2,319,930 0 100,000,000
7 -6,859,300 -2,319,930 -4,539,370 95,460,630
8 -6,859,300 -2,214,620 -4,644,680 90,815,950
9 -6,859,300 -2,106,866 -4,752,434 86,063,516
10 -6,859,300 -1,996,613 -4,862,687 81,200,830
11 -6,859,300 -1,883,802 -4,975,498 76,225,332
12 -6,859,300 -1,768,374 -5,090,926 71,134,407
13 -6,859,300 -1,650,268 -5,209,031 65,925,375
14 -6,859,300 -1,529,422 -5,329,877 60,595,498
15 -6,859,300 -1,405,773 -5,453,527 55,141,971
16 -6,859,300 -1,279,255 -5,580,045 49,561,926
17 -6,859,300 -1,149,802 -5,709,498 43,852,428
18 -6,859,300 -1,017,346 -5,841,954 38,010,474
19 -6,859,300 -881,816 -5,977,483 32,032,991
20 -6,859,300 -743,143 -6,116,157 25,916,834
21 -6,859,300 -601,252 -6,258,047 19,658,787
22 -6,859,300 -456,070 -6,403,230 13,255,557
23 -6,859,300 -307,520 -6,551,780 6,703,777
24 -6,859,300 -155,523 -6,703,777 0
Total -37,386,973

La mejor alternativa es financiarse con crédito de cuota fija, debido a que la tasa
de interes EA es de 14.75%, mientras que con periodo de gracia tendria una tasa
EA de 20.76%
Contado
Valor 190,000,000
Cuota 57,000,000
Saldo 133,000,000
Cuotas 180 Mes
Tasa 10.00% ATV
Tasa 2.50% TV
Efectiva 10.38% Efectiva
Tasa Mensual 0.83% Mensual

Periodo Cuota Interés Abono Saldo Final


0 0 0 0 133,000,000
1 -1,422,544 -1,099,223 -323,321 132,676,679
2 -1,422,544 -1,096,551 -325,993 132,350,686
3 -1,422,544 -1,093,857 -328,687 132,021,998
4 -1,422,544 -1,091,140 -331,404 131,690,594
5 -1,422,544 -1,088,401 -334,143 131,356,451
6 -1,422,544 -1,085,640 -336,905 131,019,547
7 -1,422,544 -1,082,855 -339,689 130,679,858
8 -1,422,544 -1,080,048 -342,497 130,337,361
9 -1,422,544 -1,077,217 -345,327 129,992,034
10 -1,422,544 -1,074,363 -348,181 129,643,852
11 -1,422,544 -1,071,485 -351,059 129,292,793
12 -1,422,544 -1,068,584 -353,960 128,938,833
13 -1,422,544 -1,065,659 -356,886 128,581,947
14 -1,422,544 -1,062,709 -359,835 128,222,111
15 -1,422,544 -1,059,735 -362,809 127,859,302
16 -1,422,544 -1,056,736 -365,808 127,493,494
17 -1,422,544 -1,053,713 -368,831 127,124,663
18 -1,422,544 -1,050,665 -371,880 126,752,783
19 -1,422,544 -1,047,591 -374,953 126,377,830
20 -1,422,544 -1,044,492 -378,052 125,999,778
21 -1,422,544 -1,041,368 -381,177 125,618,601
22 -1,422,544 -1,038,217 -384,327 125,234,274
23 -1,422,544 -1,035,041 -387,503 124,846,770
24 -1,422,544 -1,031,838 -390,706 124,456,064
25 -1,422,544 -1,028,609 -393,935 124,062,129
26 -1,422,544 -1,025,353 -397,191 123,664,938
27 -1,422,544 -1,022,071 -400,474 123,264,464
28 -1,422,544 -1,018,761 -403,784 122,860,681
29 -1,422,544 -1,015,424 -407,121 122,453,560
30 -1,422,544 -1,012,059 -410,486 122,043,074
31 -1,422,544 -1,008,666 -413,878 121,629,196
32 -1,422,544 -1,005,246 -417,299 121,211,897
33 -1,422,544 -1,001,797 -420,748 120,791,149
34 -1,422,544 -998,319 -424,225 120,366,924
35 -1,422,544 -994,813 -427,731 119,939,193
36 -1,422,544 -991,278 -431,266 119,507,926
37 -1,422,544 -987,714 -434,831 119,073,096
38 -1,422,544 -984,120 -438,425 118,634,671
39 -1,422,544 -980,496 -442,048 118,192,623
40 -1,422,544 -976,843 -445,702 117,746,921
41 -1,422,544 -973,159 -449,385 117,297,536
42 -1,422,544 -969,445 -453,099 116,844,437
43 -1,422,544 -965,700 -456,844 116,387,593
44 -1,422,544 -961,925 -460,620 115,926,973
45 -1,422,544 -958,118 -464,427 115,462,546
46 -1,422,544 -954,279 -468,265 114,994,281
47 -1,422,544 -950,409 -472,135 114,522,146
48 -1,422,544 -946,507 -476,037 114,046,108
49 -1,422,544 -942,573 -479,972 113,566,136
50 -1,422,544 -938,606 -483,939 113,082,197
51 -1,422,544 -934,606 -487,938 112,594,259
52 -1,422,544 -930,573 -491,971 112,102,288
53 -1,422,544 -926,507 -496,037 111,606,251
54 -1,422,544 -922,408 -500,137 111,106,114
55 -1,422,544 -918,274 -504,270 110,601,844
56 -1,422,544 -914,106 -508,438 110,093,405
57 -1,422,544 -909,904 -512,640 109,580,765
58 -1,422,544 -905,667 -516,877 109,063,888
59 -1,422,544 -901,395 -521,149 108,542,739
60 -1,422,544 -897,088 -525,456 108,017,283
61 -1,422,544 -892,745 -529,799 107,487,483
62 -1,422,544 -888,367 -534,178 106,953,306
63 -1,422,544 -883,952 -538,593 106,414,713
64 -1,422,544 -879,500 -543,044 105,871,669
65 -1,422,544 -875,012 -547,532 105,324,137
66 -1,422,544 -870,487 -552,058 104,772,079
67 -1,422,544 -865,924 -556,620 104,215,459
68 -1,422,544 -861,324 -561,221 103,654,238
69 -1,422,544 -856,685 -565,859 103,088,379
70 -1,422,544 -852,009 -570,536 102,517,844
71 -1,422,544 -847,293 -575,251 101,942,593
72 -1,422,544 -842,539 -580,005 101,362,587
73 -1,422,544 -837,745 -584,799 100,777,788
74 -1,422,544 -832,912 -589,632 100,188,156
75 -1,422,544 -828,039 -594,506 99,593,650
76 -1,422,544 -823,125 -599,419 98,994,231
77 -1,422,544 -818,171 -604,373 98,389,858
78 -1,422,544 -813,176 -609,368 97,780,490
79 -1,422,544 -808,140 -614,405 97,166,085
80 -1,422,544 -803,062 -619,482 96,546,603
81 -1,422,544 -797,942 -624,602 95,922,001
82 -1,422,544 -792,780 -629,765 95,292,236
83 -1,422,544 -787,575 -634,970 94,657,266
84 -1,422,544 -782,327 -640,217 94,017,049
85 -1,422,544 -777,036 -645,509 93,371,540
86 -1,422,544 -771,701 -650,844 92,720,696
87 -1,422,544 -766,321 -656,223 92,064,473
88 -1,422,544 -760,898 -661,646 91,402,827
89 -1,422,544 -755,430 -667,115 90,735,712
90 -1,422,544 -749,916 -672,628 90,063,084
91 -1,422,544 -744,357 -678,188 89,384,896
92 -1,422,544 -738,752 -683,793 88,701,103
93 -1,422,544 -733,100 -689,444 88,011,659
94 -1,422,544 -727,402 -695,142 87,316,517
95 -1,422,544 -721,657 -700,888 86,615,629
96 -1,422,544 -715,864 -706,680 85,908,949
97 -1,422,544 -710,024 -712,521 85,196,428
98 -1,422,544 -704,135 -718,410 84,478,018
99 -1,422,544 -698,197 -724,347 83,753,671
100 -1,422,544 -692,210 -730,334 83,023,337
101 -1,422,544 -686,174 -736,370 82,286,967
102 -1,422,544 -680,088 -742,456 81,544,511
103 -1,422,544 -673,952 -748,592 80,795,919
104 -1,422,544 -667,765 -754,779 80,041,140
105 -1,422,544 -661,527 -761,017 79,280,122
106 -1,422,544 -655,237 -767,307 78,512,815
107 -1,422,544 -648,896 -773,649 77,739,166
108 -1,422,544 -642,502 -780,043 76,959,124
109 -1,422,544 -636,055 -786,490 76,172,634
110 -1,422,544 -629,554 -792,990 75,379,644
111 -1,422,544 -623,001 -799,544 74,580,100
112 -1,422,544 -616,392 -806,152 73,773,948
113 -1,422,544 -609,730 -812,815 72,961,133
114 -1,422,544 -603,012 -819,532 72,141,601
115 -1,422,544 -596,239 -826,306 71,315,295
116 -1,422,544 -589,409 -833,135 70,482,160
117 -1,422,544 -582,524 -840,021 69,642,139
118 -1,422,544 -575,581 -846,963 68,795,176
119 -1,422,544 -568,581 -853,963 67,941,212
120 -1,422,544 -561,523 -861,021 67,080,191
121 -1,422,544 -554,407 -868,138 66,212,054
122 -1,422,544 -547,232 -875,313 65,336,741
123 -1,422,544 -539,998 -882,547 64,454,194
124 -1,422,544 -532,703 -889,841 63,564,353
125 -1,422,544 -525,349 -897,195 62,667,158
126 -1,422,544 -517,934 -904,611 61,762,547
127 -1,422,544 -510,457 -912,087 60,850,460
128 -1,422,544 -502,919 -919,625 59,930,835
129 -1,422,544 -495,319 -927,226 59,003,609
130 -1,422,544 -487,655 -934,889 58,068,720
131 -1,422,544 -479,929 -942,616 57,126,104
132 -1,422,544 -472,138 -950,406 56,175,698
133 -1,422,544 -464,283 -958,261 55,217,437
134 -1,422,544 -456,363 -966,181 54,251,255
135 -1,422,544 -448,378 -974,167 53,277,089
136 -1,422,544 -440,326 -982,218 52,294,871
137 -1,422,544 -432,209 -990,336 51,304,535
138 -1,422,544 -424,024 -998,521 50,306,014
139 -1,422,544 -415,771 -1,006,773 49,299,241
140 -1,422,544 -407,450 -1,015,094 48,284,147
141 -1,422,544 -399,061 -1,023,484 47,260,663
142 -1,422,544 -390,602 -1,031,943 46,228,720
143 -1,422,544 -382,073 -1,040,472 45,188,249
144 -1,422,544 -373,474 -1,049,071 44,139,178
145 -1,422,544 -364,803 -1,057,741 43,081,437
146 -1,422,544 -356,061 -1,066,483 42,014,953
147 -1,422,544 -347,247 -1,075,298 40,939,656
148 -1,422,544 -338,360 -1,084,185 39,855,471
149 -1,422,544 -329,399 -1,093,145 38,762,326
150 -1,422,544 -320,364 -1,102,180 37,660,146
151 -1,422,544 -311,255 -1,111,289 36,548,856
152 -1,422,544 -302,070 -1,120,474 35,428,382
153 -1,422,544 -292,810 -1,129,735 34,298,648
154 -1,422,544 -283,473 -1,139,072 33,159,576
155 -1,422,544 -274,059 -1,148,486 32,011,090
156 -1,422,544 -264,566 -1,157,978 30,853,112
157 -1,422,544 -254,996 -1,167,548 29,685,564
158 -1,422,544 -245,346 -1,177,198 28,508,366
159 -1,422,544 -235,617 -1,186,927 27,321,438
160 -1,422,544 -225,807 -1,196,737 26,124,701
161 -1,422,544 -215,916 -1,206,628 24,918,073
162 -1,422,544 -205,944 -1,216,601 23,701,473
163 -1,422,544 -195,889 -1,226,656 22,474,817
164 -1,422,544 -185,751 -1,236,794 21,238,023
165 -1,422,544 -175,529 -1,247,016 19,991,008
166 -1,422,544 -165,222 -1,257,322 18,733,686
167 -1,422,544 -154,831 -1,267,714 17,465,972
168 -1,422,544 -144,353 -1,278,191 16,187,781
169 -1,422,544 -133,789 -1,288,755 14,899,026
170 -1,422,544 -123,138 -1,299,406 13,599,620
171 -1,422,544 -112,399 -1,310,146 12,289,474
172 -1,422,544 -101,571 -1,320,974 10,968,500
173 -1,422,544 -90,653 -1,331,892 9,636,609
174 -1,422,544 -79,645 -1,342,899 8,293,709
175 -1,422,544 -68,546 -1,353,998 6,939,711
176 -1,422,544 -57,356 -1,365,189 5,574,522
177 -1,422,544 -46,073 -1,376,472 4,198,050
178 -1,422,544 -34,696 -1,387,848 2,810,202
179 -1,422,544 -23,226 -1,399,319 1,410,884
180 -1,422,544 -11,661 -1,410,884 0
8/15/2020
0 30 60 90 días
Hoy
Compra 100,000,000 Tasa 32.0%
Descuento 6.0% Tasa díaria 0.076%
Vlr Descuento 6,000,000
Vlr Presente 93,383,348 100,000,000
Contado 94,000,000 0.076% 32.00%
0.069% 28.52% No es conveniente
01/01/2016

1 Año " Año 54,000,000


600,000 800,000 ? CI
Tasa 1.20%

VF= 8,878,909 10,259,642 19,138,551 CI


Deuda 34,861,449 Saldo
VA Abonos -1,348,005
Deuda 33,513,444
Tasa 18% Semestral
18% 39.24% Efectiva Anual
Periodos 60 2.80% Mensual
Mes Mes Cuota Interés Abono Abono Extra Abono Actual Saldo Final
0 Enero 34,861,449
1 Febrero -1,158,761 -975,066 -183,695 34,677,755
2 Marzo -1,158,761 -969,928 -188,833 34,488,922
3 Abril -1,158,761 -964,647 -194,114 34,294,808
4 Mayo -1,158,761 -959,217 -199,543 34,095,265
5 Junio -1,158,761 -953,636 -205,125 33,890,140
6 Julio -1,158,761 -947,899 -210,862 33,679,278
7 Agosto -1,158,761 -942,001 -216,760 33,462,519
8 Septiembre -1,158,761 -935,938 -222,822 33,239,696
9 Octubre -1,158,761 -929,706 -229,055 33,010,642
10 Noviembre -1,158,761 -923,299 -235,461 32,775,180
11 Diciembre -1,158,761 -916,714 -242,047 32,533,133
12 Enero -1,158,761 -909,944 -248,817 32,284,316
13 Febrero -1,158,761 -902,984 -255,776 32,028,540
14 Marzo -1,158,761 -895,830 -262,930 31,765,610
15 Abril -1,158,761 -888,476 -270,284 31,495,325
16 Mayo -1,158,761 -880,916 -277,844 31,217,481
17 Junio -1,158,761 -873,145 -285,615 30,931,865
18 Julio -1,158,761 -865,157 -293,604 30,638,261
19 Agosto -1,158,761 -856,944 -301,816 30,336,445
20 Septiembre -1,158,761 -848,503 -310,258 30,026,187
21 Octubre -1,158,761 -839,825 -318,936 29,707,252
22 Noviembre -1,158,761 -830,904 -327,856 29,379,395
23 Diciembre -1,158,761 -821,734 -337,026 29,042,369
24 Enero -1,158,761 -812,308 -346,453 28,695,916
25 Febrero -1,158,761 -802,618 -356,143 28,339,773
26 Marzo -1,158,761 -792,656 -366,104 27,973,669
27 Abril -1,158,761 -782,417 -376,344 27,597,325
28 Mayo -1,158,761 -771,890 -386,870 27,210,455
29 Junio -1,158,761 -761,070 -397,691 -3,000,000 -1,348,005 23,812,763
30 Julio -1,158,761 -666,037 -492,724 23,320,040
31 Agosto -1,158,761 -652,256 -506,505 22,813,535
32 Septiembre -1,158,761 -638,089 -520,672 22,292,863
33 Octubre -1,158,761 -623,526 -535,235 21,757,628
34 Noviembre -1,158,761 -608,555 -550,205 21,207,423
35 Diciembre -1,158,761 -593,166 -565,594 20,641,829
36 Enero -1,158,761 -577,347 -581,414 20,060,415
37 Febrero -1,158,761 -561,085 -597,676 19,462,739
38 Marzo -1,158,761 -544,368 -614,393 18,848,347
39 Abril -1,158,761 -527,184 -631,577 18,216,769
40 Mayo -1,158,761 -509,518 -649,242 17,567,527
41 Junio -1,158,761 -491,359 -667,401 16,900,126
42 Julio -1,158,761 -472,692 -686,068 16,214,058
43 Agosto -1,158,761 -453,503 -705,257 15,508,800
44 Septiembre -1,158,761 -433,777 -724,983 14,783,817
45 Octubre -1,158,761 -413,500 -745,261 14,038,556
46 Noviembre -1,158,761 -392,655 -766,106 13,272,450
47 Diciembre -1,158,761 -371,227 -787,534 -4,484,917 8,000,000
48 Enero -742,503 -223,758 -518,745 7,481,255
49 Febrero -742,503 -209,249 -533,254 6,948,001
50 Marzo -742,503 -194,334 -548,169 6,399,832
51 Abril -742,503 -179,002 -563,501 5,836,331
52 Mayo -742,503 -163,241 -579,262 5,257,069
53 Junio -742,503 -147,039 -595,464 4,661,605
54 Julio -742,503 -130,384 -612,119 4,049,487
55 Agosto -742,503 -113,263 -629,240 3,420,247
56 Septiembre -742,503 -95,663 -646,839 2,773,408
57 Octubre -742,503 -77,572 -664,931 2,108,477
58 Noviembre -742,503 -58,974 -683,529 1,424,947
59 Diciembre -742,503 -39,855 -702,647 722,300
60 Enero -742,503 -20,203 -722,300 0
Programado
8,000,000 0
Apartamento
precio estimado 55,000,000
Valorización 10% EA
0.80% Mensual
portafolio de inversión 14% EA
1.10% Mensual
mes abono Valorización
0 2,750,000 21,929
6 5,500,000 263,147
18 13,750,000 1,973,600
30 33,000,000 7,894,399
total 55,000,000 10,153,074

valor del apto en el mercado 65,153,074


valor del apto hoy $ 51,339,685.06

Vous aimerez peut-être aussi