Préstamo 50,000,000

Plazo 36 meses
Forma de pago

Tasa E.A 19.35%

Periodo 2
Tasa Nominal 18.4949% na.sv 17.8200%
Tasa periódica 9.2474% e.s
Cuota fija $4,823,495.6815

0 1 2 3
Interés 4,623,713 4,605,238 4,585,055
Capital 199,783 218,258 238,441
Saldo 50,000,000 49,800,217 49,581,959 49,343,519

Interés 4,623,713 4,495,276 4,366,840

Capital 1,388,889 1,388,889 1,388,889
Saldo 50,000,000 48,611,111 47,222,222 45,833,333

Vr cuota 6,012,602 5,884,165 5,755,729

 4 5 6 7 8 9 10
4,563,005 4,538,917 4,512,600 4,483,850 4,452,442 4,418,129 4,380,643
260,491 284,579 310,895 339,645 371,054 405,367 442,853
49,083,028 48,798,449 48,487,553 48,147,908 47,776,855 47,371,488 46,928,635

4,238,403 4,109,967 3,981,530 3,853,094 3,724,658 3,596,221 3,467,785

1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889
44,444,444 43,055,556 41,666,667 40,277,778 38,888,889 37,500,000 36,111,111

5,627,292 5,498,856 5,370,419 5,241,983 5,113,546 4,985,110 4,856,673

 11 12 13 14 15 16 17
4,339,691 4,294,951 4,246,074 4,192,678 4,134,343 4,070,614 4,000,992
483,805 528,545 577,421 630,818 689,152 752,881 822,503
46,444,830 45,916,286 45,338,864 44,708,047 44,018,894 43,266,013 42,443,510

3,339,348 3,210,912 3,082,475 2,954,039 2,825,602 2,697,166 2,568,729

1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889
34,722,222 33,333,333 31,944,444 30,555,556 29,166,667 27,777,778 26,388,889

4,728,237 4,599,801 4,471,364 4,342,928 4,214,491 4,086,055 3,957,618

 18 19 20 21 22 23 24
3,924,932 3,841,838 3,751,060 3,651,887 3,543,544 3,425,181 3,295,873
898,564 981,658 1,072,436 1,171,608 1,279,952 1,398,315 1,527,623
41,544,946 40,563,288 39,490,852 38,319,244 37,039,292 35,640,977 34,113,354

2,440,293 2,311,856 2,183,420 2,054,983 1,926,547 1,798,111 1,669,674

1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889
25,000,000 23,611,111 22,222,222 20,833,333 19,444,444 18,055,556 16,666,667

3,829,182 3,700,745 3,572,309 3,443,872 3,315,436 3,186,999 3,058,563

 25 26 27 28 29 30 31
3,154,607 3,000,278 2,831,677 2,647,485 2,446,260 2,226,427 1,986,265
1,668,889 1,823,218 1,991,819 2,176,011 2,377,235 2,597,069 2,837,231
32,444,466 30,621,248 28,629,429 26,453,419 24,076,183 21,479,115 18,641,884

1,541,238 1,412,801 1,284,365 1,155,928 1,027,492 899,055 770,619

1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 1,388,889
15,277,778 13,888,889 12,500,000 11,111,111 9,722,222 8,333,333 6,944,444

2,930,126 2,801,690 2,673,254 2,544,817 2,416,381 2,287,944 2,159,508

 32 33 34 35 36
1,723,894 1,437,261 1,124,122 782,025 408,293 123,645,845
3,099,601 3,386,235 3,699,374 4,041,471 4,415,203 50,000,000
15,542,283 12,156,048 8,456,674 4,415,203 -

642,182 513,746 385,309 256,873 128,436 85,538,687

1,388,889 1,388,889 1,388,889 1,388,889 1,388,889 50,000,000
5,555,556 4,166,667 2,777,778 1,388,889 0

2,031,071 1,902,635 1,774,198 1,645,762 1,517,325

 A B
Margen EBITDA 20% 6.70%
PKT 30% 10%
PDC 0.67 0.67
Brecha o Remanente -10.0% -3.3%
 Crecimiento: 0% Crecimiento:
FLUJO DE CAJA Año 1 Año 2 Año 1
Ventas 10,000 10,000 10,000
Margen EBITDA 20% 20% 20%
PKT 30% 30% 30%
EBITDA 2,000 2,000 2,000
KTNO 3,000 3,000 3,000
(+) Incremento EBITDA -
(-) Incremento KTNO -
(=) Caja generada o derramada por el crecimiento -
(+) EBITDA año 2 2,000
(-) Incremento KTNO -
(=) Disponible para impuestos, Servicio a la deuda,
Reposisión de activos fijos y Dividendos 2,000
 30%
Año 2
13,000
20%
30%
2,600
3,900
600
900
- 300
2,600
900

1,700