Académique Documents
Professionnel Documents
Culture Documents
n 24 meses 0 $ 1,000,000.00 $ -
d 31.20% A.M.V. 1 $ 958,333.33 $ 26,694.05
i 2.67% E.M. 2 $ 916,666.67 $ 25,581.79
Abono fijo $ 41,666.67 3 $ 875,000.00 $ 24,469.54
4 $ 833,333.33 $ 23,357.29
P.E. Pago 17 5 $ 791,666.67 $ 22,245.04
Valor P.E. $ 1,010,865.85 6 $ 750,000.00 $ 21,132.79
Saldo a favor $ 10,865.85 7 $ 708,333.33 $ 20,020.53
Beneficio Banco $ 322,809.72 8 $ 666,666.67 $ 18,908.28
Utilidades $ 333,675.56 9 $ 625,000.00 $ 17,796.03
10 $ 583,333.33 $ 16,683.78
11 $ 541,666.67 $ 15,571.53
12 $ 500,000.00 $ 14,459.27
13 $ 458,333.33 $ 13,347.02
14 $ 416,666.67 $ 12,234.77
15 $ 375,000.00 $ 11,122.52
16 $ 333,333.33 $ 10,010.27
P.E. 17 $ 291,666.67 $ 8,898.02
18 $ 250,000.00 $ 7,785.76
19 $ 208,333.33 $ 6,673.51
20 $ 166,666.67 $ 5,561.26
21 $ 125,000.00 $ 4,449.01
22 $ 83,333.33 $ 3,336.76
23 $ 41,666.67 $ 2,224.50
24 $ 0.00 $ 1,112.25
Abono fijo Cuota
$ - $ -
$ 41,666.67 $ 68,360.71
$ 41,666.67 $ 67,248.46
$ 41,666.67 $ 66,136.21
$ 41,666.67 $ 65,023.96
$ 41,666.67 $ 63,911.70
$ 41,666.67 $ 62,799.45
$ 41,666.67 $ 61,687.20
$ 41,666.67 $ 60,574.95
$ 41,666.67 $ 59,462.70
$ 41,666.67 $ 58,350.44
$ 41,666.67 $ 57,238.19
$ 41,666.67 $ 56,125.94
$ 41,666.67 $ 55,013.69
$ 41,666.67 $ 53,901.44
$ 41,666.67 $ 52,789.19
$ 41,666.67 $ 51,676.93
$ 41,666.67 $ 50,564.68 $ 1,010,865.85
$ 41,666.67 $ 49,452.43
$ 41,666.67 $ 48,340.18
$ 41,666.67 $ 47,227.93
$ 41,666.67 $ 46,115.67
$ 41,666.67 $ 45,003.42
$ 41,666.67 $ 43,891.17
$ 41,666.67 $ 42,778.92
VP $ 1,000,000 Pago Saldo Interés
n 3 0 $ 1,000,000.00 $ -
i 2% 1 $ 700,000.00 $ 20,000.00
2 $ 400,000.00 $ 14,000.00
P.E. Pago 3 P.E. 3 $ - $ 8,000.00
Valor P.E. $ 1,042,000.00
Saldo a favor $ 42,000.00
Beneficio Banco $ -
Utilidades $ 42,000.00
Abono Cuota
$ - $ -
$ 300,000.00 $ 320,000.00
$ 300,000.00 $ 314,000.00
$ 400,000.00 $ 408,000.00 $ 1,042,000.00
VP $ 800,000,000 Pago Saldo
n 36 trimestres 0 $ 800,000,000.00
i 5% 1 $ 791,652,434.30
Cuota fija $ 48,347,565.70 2 $ 782,887,490.32
Abono fijo $ 22,222,222.22 3 $ 773,684,299.14
Cuota extr. $ 2,000,000 cada 6 meses 4 $ 764,020,948.40
5 $ 753,874,430.13
CUOTA FIJA 6 $ 743,220,585.94
P.E. Pago 17 7 $ 732,034,049.54
Valor P.E. $ 825,908,616.84 8 $ 720,288,186.32
Saldo a favor $ 25,908,616.84 9 $ 707,955,029.94
Beneficio Banco $ 926,603,748.23 10 $ 695,005,215.74
Utilidades $ 952,512,365.07 11 $ 681,407,910.83
12 $ 667,130,740.67
ABONO FIJO A CAPITAL 13 $ 652,139,712.01
P.E. Pago 15 14 $ 636,399,131.91
Valor P.E. $ 820,666,666.67 15 $ 619,871,522.81
Saldo a favor $ 20,666,666.67 16 $ 602,517,533.26
Beneficio Banco $ 731,333,333.33 $ 825,908,616.84 17 $ 584,295,844.22
Utilidades $ 752,000,000.00 18 $ 565,163,070.74
19 $ 545,073,658.58
20 $ 523,979,775.81
21 $ 501,831,198.91
22 $ 478,575,193.16
23 $ 454,156,387.12
24 $ 428,516,640.78
25 $ 401,594,907.12
26 $ 373,327,086.78
27 $ 343,645,875.42
28 $ 312,480,603.50
29 $ 279,757,067.97
30 $ 245,397,355.68
31 $ 209,319,657.76
32 $ 171,438,074.96
33 $ 131,662,413.01
34 $ 89,897,967.96
35 $ 46,045,300.66
36 -$ 0.00
Interés Abono Cuota fija TIR Pago
$ - $ - $ - -$ 800,000,000.00 0
$ 40,000,000.00 $ 8,347,565.70 $ 48,347,565.70 $ 48,347,565.70 1
$ 39,582,621.72 $ 8,764,943.98 $ 48,347,565.70 $ 96,695,131.39 2
$ 39,144,374.52 $ 9,203,191.18 $ 48,347,565.70 $ 145,042,697.09 3
$ 38,684,214.96 $ 9,663,350.74 $ 48,347,565.70 $ 193,390,262.79 4
$ 38,201,047.42 $ 10,146,518.28 $ 48,347,565.70 $ 241,737,828.48 5
$ 37,693,721.51 $ 10,653,844.19 $ 50,347,565.70 $ 292,085,394.18 6
$ 37,161,029.30 $ 11,186,536.40 $ 48,347,565.70 $ 340,432,959.87 7
$ 36,601,702.48 $ 11,745,863.22 $ 48,347,565.70 $ 388,780,525.57 8
$ 36,014,409.32 $ 12,333,156.38 $ 48,347,565.70 $ 437,128,091.27 9
$ 35,397,751.50 $ 12,949,814.20 $ 48,347,565.70 $ 485,475,656.96 10
$ 34,750,260.79 $ 13,597,304.91 $ 48,347,565.70 $ 533,823,222.66 11
$ 34,070,395.54 $ 14,277,170.15 $ 50,347,565.70 $ 584,170,788.36 12
$ 33,356,537.03 $ 14,991,028.66 $ 48,347,565.70 $ 632,518,354.05 13
$ 32,606,985.60 $ 15,740,580.10 $ 48,347,565.70 $ 680,865,919.75 14
$ 31,819,956.60 $ 16,527,609.10 $ 48,347,565.70 $ 729,213,485.45 15
$ 30,993,576.14 $ 17,353,989.56 $ 48,347,565.70 $ 777,561,051.14 16
$ 30,125,876.66 $ 18,221,689.03 $ 48,347,565.70 $ 825,908,616.84 17
$ 29,214,792.21 $ 19,132,773.49 $ 50,347,565.70 $ 876,256,182.53 18
$ 28,258,153.54 $ 20,089,412.16 $ 48,347,565.70 $ 924,603,748.23 19
$ 27,253,682.93 $ 21,093,882.77 $ 48,347,565.70 $ 972,951,313.93 20
$ 26,198,988.79 $ 22,148,576.91 $ 48,347,565.70 $ 1,021,298,879.62 21
$ 25,091,559.95 $ 23,256,005.75 $ 48,347,565.70 $ 1,069,646,445.32 22
$ 23,928,759.66 $ 24,418,806.04 $ 48,347,565.70 $ 1,117,994,011.02 23
$ 22,707,819.36 $ 25,639,746.34 $ 50,347,565.70 $ 1,168,341,576.71 24
$ 21,425,832.04 $ 26,921,733.66 $ 48,347,565.70 $ 1,216,689,142.41 25
$ 20,079,745.36 $ 28,267,820.34 $ 48,347,565.70 $ 1,265,036,708.11 26
$ 18,666,354.34 $ 29,681,211.36 $ 48,347,565.70 $ 1,313,384,273.80 27
$ 17,182,293.77 $ 31,165,271.93 $ 48,347,565.70 $ 1,361,731,839.50 28
$ 15,624,030.17 $ 32,723,535.52 $ 48,347,565.70 $ 1,410,079,405.20 29
$ 13,987,853.40 $ 34,359,712.30 $ 50,347,565.70 $ 1,460,426,970.89 30
$ 12,269,867.78 $ 36,077,697.91 $ 48,347,565.70 $ 1,508,774,536.59 31
$ 10,465,982.89 $ 37,881,582.81 $ 48,347,565.70 $ 1,557,122,102.28 32
$ 8,571,903.75 $ 39,775,661.95 $ 48,347,565.70 $ 1,605,469,667.98 33
$ 6,583,120.65 $ 41,764,445.05 $ 48,347,565.70 $ 1,653,817,233.68 34
$ 4,494,898.40 $ 43,852,667.30 $ 48,347,565.70 $ 1,702,164,799.37 35
$ 2,302,265.03 $ 46,045,300.66 $ 50,347,565.70 $ 1,752,512,365.07 36
28%
Saldo Interés Abono fijo Cuota TIR
$ 800,000,000.00 $ - $ - $ - -$ 800,000,000.00
$ 777,777,777.78 $ 40,000,000.00 $ 22,222,222.22 $ 62,222,222.22 $ 62,222,222.22
$ 755,555,555.56 $ 38,888,888.89 $ 22,222,222.22 $ 61,111,111.11 $ 123,333,333.33
$ 733,333,333.33 $ 37,777,777.78 $ 22,222,222.22 $ 60,000,000.00 $ 183,333,333.33
$ 711,111,111.11 $ 36,666,666.67 $ 22,222,222.22 $ 58,888,888.89 $ 242,222,222.22
$ 688,888,888.89 $ 35,555,555.56 $ 22,222,222.22 $ 57,777,777.78 $ 300,000,000.00
$ 666,666,666.67 $ 34,444,444.44 $ 22,222,222.22 $ 58,666,666.67 $ 358,666,666.67
$ 644,444,444.44 $ 33,333,333.33 $ 22,222,222.22 $ 55,555,555.56 $ 414,222,222.22
$ 622,222,222.22 $ 32,222,222.22 $ 22,222,222.22 $ 54,444,444.44 $ 468,666,666.67
$ 600,000,000.00 $ 31,111,111.11 $ 22,222,222.22 $ 53,333,333.33 $ 522,000,000.00
$ 577,777,777.78 $ 30,000,000.00 $ 22,222,222.22 $ 52,222,222.22 $ 574,222,222.22
$ 555,555,555.56 $ 28,888,888.89 $ 22,222,222.22 $ 51,111,111.11 $ 625,333,333.33
$ 533,333,333.33 $ 27,777,777.78 $ 22,222,222.22 $ 52,000,000.00 $ 677,333,333.33
$ 511,111,111.11 $ 26,666,666.67 $ 22,222,222.22 $ 48,888,888.89 $ 726,222,222.22
$ 488,888,888.89 $ 25,555,555.56 $ 22,222,222.22 $ 47,777,777.78 $ 774,000,000.00
$ 466,666,666.67 $ 24,444,444.44 $ 22,222,222.22 $ 46,666,666.67 $ 820,666,666.67
$ 444,444,444.44 $ 23,333,333.33 $ 22,222,222.22 $ 45,555,555.56 $ 866,222,222.22
$ 422,222,222.22 $ 22,222,222.22 $ 22,222,222.22 $ 44,444,444.44 $ 910,666,666.67
$ 400,000,000.00 $ 21,111,111.11 $ 22,222,222.22 $ 45,333,333.33 $ 956,000,000.00
$ 377,777,777.78 $ 20,000,000.00 $ 22,222,222.22 $ 42,222,222.22 $ 998,222,222.22
$ 355,555,555.56 $ 18,888,888.89 $ 22,222,222.22 $ 41,111,111.11 $ 1,039,333,333.33
$ 333,333,333.33 $ 17,777,777.78 $ 22,222,222.22 $ 40,000,000.00 $ 1,079,333,333.33
$ 311,111,111.11 $ 16,666,666.67 $ 22,222,222.22 $ 38,888,888.89 $ 1,118,222,222.22
$ 288,888,888.89 $ 15,555,555.56 $ 22,222,222.22 $ 37,777,777.78 $ 1,156,000,000.00
$ 266,666,666.67 $ 14,444,444.44 $ 22,222,222.22 $ 38,666,666.67 $ 1,194,666,666.67
$ 244,444,444.44 $ 13,333,333.33 $ 22,222,222.22 $ 35,555,555.56 $ 1,230,222,222.22
$ 222,222,222.22 $ 12,222,222.22 $ 22,222,222.22 $ 34,444,444.44 $ 1,264,666,666.67
$ 200,000,000.00 $ 11,111,111.11 $ 22,222,222.22 $ 33,333,333.33 $ 1,298,000,000.00
$ 177,777,777.78 $ 10,000,000.00 $ 22,222,222.22 $ 32,222,222.22 $ 1,330,222,222.22
$ 155,555,555.56 $ 8,888,888.89 $ 22,222,222.22 $ 31,111,111.11 $ 1,361,333,333.33
$ 133,333,333.33 $ 7,777,777.78 $ 22,222,222.22 $ 32,000,000.00 $ 1,393,333,333.33
$ 111,111,111.11 $ 6,666,666.67 $ 22,222,222.22 $ 28,888,888.89 $ 1,422,222,222.22
$ 88,888,888.89 $ 5,555,555.56 $ 22,222,222.22 $ 27,777,777.78 $ 1,450,000,000.00
$ 66,666,666.67 $ 4,444,444.44 $ 22,222,222.22 $ 26,666,666.67 $ 1,476,666,666.67
$ 44,444,444.44 $ 3,333,333.33 $ 22,222,222.22 $ 25,555,555.56 $ 1,502,222,222.22
$ 22,222,222.22 $ 2,222,222.22 $ 22,222,222.22 $ 24,444,444.44 $ 1,526,666,666.67
$ 0.00 $ 1,111,111.11 $ 22,222,222.22 $ 25,333,333.33 $ 1,552,000,000.00
31%
$ 820,666,666.67
VP $ 100,000,000 Pago Saldo
n 12 meses 0 $ 100,000,000.00
i 1.2% 1 $ 92,202,456.67
Cuota fija $ 8,997,543.33 2 $ 84,311,342.82
Abono fijo $ 8,333,333.33 3 $ 76,325,535.61
Cuota extr. $ 30,000,000 mes 6 4 $ 68,243,898.71
5 $ 60,065,282.17
CUOTA FIJA 6 $ 51,788,522.22
P.E. Pago 8 7 $ 43,412,441.16
Valor P.E. $ 101,980,346.62 $ 101,980,346.62 8 $ 34,935,847.13
Saldo a favor $ 1,980,346.62 9 $ 26,357,533.97
Beneficio Banco $ 35,990,173.31 10 $ 17,676,281.05
Utilidades $ 37,970,519.94 11 $ 8,890,853.09
12 $ -
ABONO FIJO A CAPITAL
P.E. Pago 8
Valor P.E. $ 103,466,666.67
Saldo a favor $ 3,466,666.67
Beneficio Banco $ 34,333,333.33
Utilidades $ 37,800,000.00
A la empresa le conviene más la amortización con abono constante a capital, porque la TIR es más alta, lo cual lo hace más a
Interés Abono Cuota fija TIR Pago Saldo
$ - $ - $ - -$ 100,000,000.00 0 $ 100,000,000.00
$ 1,200,000.00 $ 7,797,543.33 $ 8,997,543.33 $ 8,997,543.33 1 $ 91,666,666.67
$ 1,106,429.48 $ 7,891,113.85 $ 8,997,543.33 $ 17,995,086.66 2 $ 83,333,333.33
$ 1,011,736.11 $ 7,985,807.21 $ 8,997,543.33 $ 26,992,629.98 3 $ 75,000,000.00
$ 915,906.43 $ 8,081,636.90 $ 8,997,543.33 $ 35,990,173.31 4 $ 66,666,666.67
$ 818,926.78 $ 8,178,616.54 $ 8,997,543.33 $ 44,987,716.64 5 $ 58,333,333.33
$ 720,783.39 $ 8,276,759.94 $ 38,997,543.33 $ 83,985,259.97 6 $ 50,000,000.00
$ 621,462.27 $ 8,376,081.06 $ 8,997,543.33 $ 92,982,803.30 7 $ 41,666,666.67
$ 520,949.29 $ 8,476,594.03 $ 8,997,543.33 $ 101,980,346.62 P.E. 8 $ 33,333,333.33
$ 419,230.17 $ 8,578,313.16 $ 8,997,543.33 $ 110,977,889.95 9 $ 25,000,000.00
$ 316,290.41 $ 8,681,252.92 $ 8,997,543.33 $ 119,975,433.28 10 $ 16,666,666.67
$ 212,115.37 $ 8,785,427.96 $ 8,997,543.33 $ 128,972,976.61 11 $ 8,333,333.33
$ 106,690.24 $ 8,890,853.09 $ 8,997,543.33 $ 137,970,519.94 12 $ -
36%