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E 18.0000% EA R 16.

6661% ACMV
A $ 573,651.85
n 48 MESES
VLR CARRO $20,000,000.00
P $20,000,000.00

TABLA DE AMORTIZACION

PERIODO PAGO ABONO INTERES ABONO CAPITAL SALDO


0 $20,000,000.00
1 $ 573,651.85 $277,768.61 $295,883.24 $19,704,116.76
2 $ 573,651.85 $273,659.25 $299,992.60 $19,404,124.16
3 $ 573,651.85 $269,492.83 $304,159.02 $19,099,965.14
4 $ 573,651.85 $265,268.54 $308,383.31 $18,791,581.83
5 $ 573,651.85 $260,985.58 $312,666.27 $18,478,915.55
6 $ 573,651.85 $256,643.13 $317,008.72 $18,161,906.84
7 $ 573,651.85 $252,240.38 $321,411.47 $17,840,495.37
8 $ 573,651.85 $247,776.48 $325,875.37 $17,514,619.99
9 $ 573,651.85 $243,250.58 $330,401.27 $17,184,218.73
10 $ 573,651.85 $238,661.82 $334,990.02 $16,849,228.70
11 $ 573,651.85 $234,009.34 $339,642.51 $16,509,586.19
12 $ 573,651.85 $229,292.24 $344,359.61 $16,165,226.58
13 $ 573,651.85 $224,509.62 $349,142.23 $15,816,084.36
14 $ 573,651.85 $219,660.59 $353,991.26 $15,462,093.09
15 $ 573,651.85 $214,744.20 $358,907.65 $15,103,185.45
16 $ 573,651.85 $209,759.54 $363,892.31 $14,739,293.14
17 $ 573,651.85 $204,705.65 $368,946.20 $14,370,346.94
18 $ 573,651.85 $199,581.56 $374,070.29 $13,996,276.65
19 $ 573,651.85 $194,386.31 $379,265.54 $13,617,011.11
20 $ 573,651.85 $189,118.91 $384,532.94 $13,232,478.18
21 $ 573,651.85 $183,778.35 $389,873.50 $12,842,604.68
22 $ 573,651.85 $178,363.62 $395,288.23 $12,447,316.45
23 $ 573,651.85 $172,873.69 $400,778.16 $12,046,538.29
24 $ 573,651.85 $167,307.51 $406,344.34 $11,640,193.95
25 $ 573,651.85 $161,664.02 $411,987.83 $11,228,206.12
26 $ 573,651.85 $155,942.16 $417,709.69 $10,810,496.43
27 $ 573,651.85 $150,140.83 $423,511.02 $10,386,985.41
28 $ 573,651.85 $144,258.92 $429,392.93 $9,957,592.48
29 $ 573,651.85 $138,295.33 $435,356.52 $9,522,235.96
30 $ 573,651.85 $132,248.91 $441,402.94 $9,080,833.03
31 $ 573,651.85 $126,118.52 $447,533.33 $8,633,299.70
32 $ 573,651.85 $119,902.98 $453,748.87 $8,179,550.83
33 $ 573,651.85 $113,601.12 $460,050.73 $7,719,500.10
34 $ 573,651.85 $107,211.74 $466,440.11 $7,253,059.99
35 $ 573,651.85 $100,733.62 $472,918.23 $6,780,141.76
36 $ 573,651.85 $94,165.53 $479,486.32 $6,300,655.44
37 $ 573,651.85 $87,506.21 $486,145.63 $5,814,509.80
38 $ 573,651.85 $80,754.41 $492,897.43 $5,321,612.37
39 $ 573,651.85 $73,908.84 $499,743.01 $4,821,869.36
40 $ 573,651.85 $66,968.20 $506,683.65 $4,315,185.71
41 $ 573,651.85 $59,931.16 $513,720.69 $3,801,465.02
42 $ 573,651.85 $52,796.38 $520,855.47 $3,280,609.55
43 $ 573,651.85 $45,562.52 $528,089.33 $2,752,520.22
44 $ 573,651.85 $38,228.19 $535,423.66 $2,217,096.56
45 $ 573,651.85 $30,791.99 $542,859.86 $1,674,236.70
46 $ 573,651.85 $23,252.52 $550,399.33 $1,123,837.37
47 $ 573,651.85 $15,608.34 $558,043.51 $565,793.86
48 $ 573,651.85 $7,857.99 $565,793.86 $0.00
$7,535,288.74 $20,000,000.00

VF $ 27,535,288.74
i 1.3888% Mensual
Un estudiante - Empleado quiere saber si ahorrando el 25% de su suldo mensual de $2.800.000
durante 5 años puede comprar un vehiculo de $30.000.000. El banco le ofrece una tasa
de 12% EA. Hacer tabla de amortizacion y dar respuesta al interrogante planteado.

salario ahorro 25%


$ 2,800,000 $ 700,000

E 12.0000% EA R 11.3866% ACMV


A $ 658,070.88
n 60 MESES
VLR CARRO $30,000,000.00
P $30,000,000.00

TABLA DE AMORTIZACION

PERIODO PAGO ABONO INTERES ABONO CAPITAL SALDO

0 $30,000,000.00
1 $ 658,070.88 $284,663.79 $373,407.09 $29,626,592.91
2 $ 658,070.88 $281,120.61 $376,950.27 $29,249,642.64
3 $ 658,070.88 $277,543.80 $380,527.07 $28,869,115.57
4 $ 658,070.88 $273,933.06 $384,137.82 $28,484,977.75
5 $ 658,070.88 $270,288.06 $387,782.82 $28,097,194.93
6 $ 658,070.88 $266,608.46 $391,462.41 $27,705,732.52
7 $ 658,070.88 $262,893.96 $395,176.92 $27,310,555.60
8 $ 658,070.88 $259,144.21 $398,926.67 $26,911,628.93
9 $ 658,070.88 $255,358.87 $402,712.00 $26,508,916.93
10 $ 658,070.88 $251,537.62 $406,533.25 $26,102,383.68
11 $ 658,070.88 $247,680.11 $410,390.76 $25,691,992.92
12 $ 658,070.88 $243,786.00 $414,284.88 $25,277,708.04
13 $ 658,070.88 $239,854.94 $418,215.94 $24,859,492.10
14 $ 658,070.88 $235,886.57 $422,184.30 $24,437,307.80
15 $ 658,070.88 $231,880.55 $426,190.32 $24,011,117.48
16 $ 658,070.88 $227,836.52 $430,234.35 $23,580,883.12
17 $ 658,070.88 $223,754.12 $434,316.76 $23,146,566.36
18 $ 658,070.88 $219,632.98 $438,437.90 $22,708,128.46
19 $ 658,070.88 $215,472.73 $442,598.15 $22,265,530.32
20 $ 658,070.88 $211,273.01 $446,797.87 $21,818,732.45
21 $ 658,070.88 $207,033.43 $451,037.44 $21,367,695.01
22 $ 658,070.88 $202,753.63 $455,317.24 $20,912,377.76
23 $ 658,070.88 $198,433.22 $459,637.65 $20,452,740.11
24 $ 658,070.88 $194,071.82 $463,999.06 $19,988,741.05
25 $ 658,070.88 $189,669.02 $468,401.85 $19,520,339.20
26 $ 658,070.88 $185,224.46 $472,846.42 $19,047,492.78
27 $ 658,070.88 $180,737.71 $477,333.16 $18,570,159.62
28 $ 658,070.88 $176,208.40 $481,862.48 $18,088,297.14
29 $ 658,070.88 $171,636.11 $486,434.77 $17,601,862.37
30 $ 658,070.88 $167,020.43 $491,050.45 $17,110,811.92
31 $ 658,070.88 $162,360.95 $495,709.92 $16,615,102.00
32 $ 658,070.88 $157,657.26 $500,413.61 $16,114,688.38
33 $ 658,070.88 $152,908.94 $505,161.93 $15,609,526.45
34 $ 658,070.88 $148,115.56 $509,955.31 $15,099,571.14
35 $ 658,070.88 $143,276.70 $514,794.17 $14,584,776.96
36 $ 658,070.88 $138,391.93 $519,678.95 $14,065,098.02
37 $ 658,070.88 $133,460.80 $524,610.07 $13,540,487.94
38 $ 658,070.88 $128,482.89 $529,587.99 $13,010,899.95
39 $ 658,070.88 $123,457.74 $534,613.14 $12,476,286.81
40 $ 658,070.88 $118,384.90 $539,685.97 $11,936,600.84
41 $ 658,070.88 $113,263.93 $544,806.94 $11,391,793.90
42 $ 658,070.88 $108,094.37 $549,976.50 $10,841,817.39
43 $ 658,070.88 $102,875.76 $555,195.12 $10,286,622.28
44 $ 658,070.88 $97,607.63 $560,463.25 $9,726,159.03
45 $ 658,070.88 $92,289.51 $565,781.37 $9,160,377.66
46 $ 658,070.88 $86,920.93 $571,149.95 $8,589,227.71
47 $ 658,070.88 $81,501.40 $576,569.47 $8,012,658.24
48 $ 658,070.88 $76,030.45 $582,040.42 $7,430,617.82
49 $ 658,070.88 $70,507.59 $587,563.28 $6,843,054.54
50 $ 658,070.88 $64,932.33 $593,138.55 $6,249,915.99
51 $ 658,070.88 $59,304.16 $598,766.72 $5,651,149.27
52 $ 658,070.88 $53,622.59 $604,448.29 $5,046,700.98
53 $ 658,070.88 $47,887.10 $610,183.78 $4,436,517.21
54 $ 658,070.88 $42,097.19 $615,973.68 $3,820,543.52
55 $ 658,070.88 $36,252.35 $621,818.53 $3,198,724.99
56 $ 658,070.88 $30,352.04 $627,718.84 $2,571,006.16
57 $ 658,070.88 $24,395.75 $633,675.13 $1,937,331.02
58 $ 658,070.88 $18,382.93 $639,687.94 $1,297,643.08
59 $ 658,070.88 $12,313.07 $645,757.81 $651,885.27
60 $ 658,070.88 $6,185.60 $651,885.27 $0.00
$9,484,252.57 $30,000,000.00

TOTAL PAGADO $ 39,484,252.57


i 0.9489% Mensual

Al realizar un anlisis podemos deducir que es viable que el


estudiante realice la compra del vehiculo pues, con el ahorro
mensual del 25% de su salario tendria la liquidez necesaria para
cubrir el pago de las cotas del credito adquirido.
E 10.0000% EA R 9.5690%
A $ 10,280,942.11
n 6 MESES
VLR CARRO $60,000,000.00
P $60,000,000.00

TABLA DE AMORTIZACION

PERIODO PAGO ABONO INTERES ABONO CAPITAL

0
1 $ 10,280,942.11 $478,448.43 $9,802,493.68
2 $ 10,280,942.11 $400,281.96 $9,880,660.14
3 $ 10,280,942.11 $321,492.19 $9,959,449.91
4 $ 10,280,942.11 $242,074.14 $10,038,867.97
5 $ 10,280,942.11 $162,022.80 $10,118,919.31
6 $ 10,280,942.11 $81,333.11 $10,199,608.99
$1,685,652.64 $60,000,000.00

TOTAL PAGADO $ 61,685,652.64


ACMV i 0.7974% Mensual

SALDO

$60,000,000.00
$50,197,506.32
$40,316,846.18
$30,357,396.27
$20,318,528.30
$10,199,608.99
$0.00

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