Actividad No.

7 Estudio sobre caso de altrernativas

La señora María Claudia Pinilla adquirió un crédito de libre inversión por $250.000.000, durant
La prestataria tiene varias alternativas de financiación que le ofrece su entidad financiera con re
encontrar.

1. Amortización gradual

DATOS
VP
NPER
i
G

NPER CUOTA
0
1 $ 2,366,327
2 $ 2,416,327
3 $ 2,466,327
4 $ 2,516,327
5 $ 2,566,327
6 $ 2,616,327
7 $ 2,666,327
8 $ 2,716,327
9 $ 2,766,327
10 $ 2,816,327
11 $ 2,866,327
12 $ 2,916,327
13 $ 2,966,327
14 $ 3,016,327
15 $ 3,066,327
16 $ 3,116,327
17 $ 3,166,327
18 $ 3,216,327
19 $ 3,266,327
20 $ 3,316,327
21 $ 3,366,327
22 $ 3,416,327
23 $ 3,466,327
24 $ 3,516,327
25 $ 3,566,327
26 $ 3,616,327
27 $ 3,666,327
28 $ 3,716,327
29 $ 3,766,327
30 $ 3,816,327
31 $ 3,866,327
32 $ 3,916,327
33 $ 3,966,327
34 $ 4,016,327
35 $ 4,066,327
36 $ 4,116,327
37 $ 4,166,327
38 $ 4,216,327
39 $ 4,266,327
40 $ 4,316,327
41 $ 4,366,327
42 $ 4,416,327
43 $ 4,466,327
44 $ 4,516,327
45 $ 4,566,327
46 $ 4,616,327
47 $ 4,666,327
48 $ 4,716,327
49 $ 4,766,327
50 $ 4,816,327
51 $ 4,866,327
52 $ 4,916,327
53 $ 4,966,327
54 $ 5,016,327
55 $ 5,066,327
56 $ 5,116,327
57 $ 5,166,327
58 $ 5,216,327
59 $ 5,266,327
60 $ 5,316,327
61 $ 5,366,327
62 $ 5,416,327
63 $ 5,466,327
 64 $ 5,516,327
65 $ 5,566,327
66 $ 5,616,327
67 $ 5,666,327
68 $ 5,716,327
69 $ 5,766,327
70 $ 5,816,327
71 $ 5,866,327
72 $ 5,916,327
73 $ 5,966,327
74 $ 6,016,327
75 $ 6,066,327
76 $ 6,116,327
77 $ 6,166,327
78 $ 6,216,327
79 $ 6,266,327
80 $ 6,316,327
81 $ 6,366,327
82 $ 6,416,327
83 $ 6,466,327
84 $ 6,516,327

2.Amortización con abono constante a capital

DATOS
VP $ 250,000,000
I EM 10.90%
NPER 84

NPER CUOTA
0 $ -
1 $ 30,226,190
2 $ 29,901,786
3 $ 29,577,381
4 $ 29,252,976
5 $ 28,928,571
6 $ 28,604,167
7 $ 28,279,762
8 $ 27,955,357
9 $ 27,630,952
10 $ 27,306,548
11 $ 26,982,143
12 $ 26,657,738
13 $ 26,333,333
14 $ 26,008,929
15 $ 25,684,524
16 $ 25,360,119
17 $ 25,035,714
18 $ 24,711,310
19 $ 24,386,905
20 $ 24,062,500
21 $ 23,738,095
22 $ 23,413,690
23 $ 23,089,286
24 $ 22,764,881
25 $ 22,440,476
26 $ 22,116,071
27 $ 21,791,667
28 $ 21,467,262
29 $ 21,142,857
30 $ 20,818,452
31 $ 20,494,048
32 $ 20,169,643
33 $ 19,845,238
34 $ 19,520,833
35 $ 19,196,429
36 $ 18,872,024
37 $ 18,547,619
38 $ 18,223,214
39 $ 17,898,810
40 $ 17,574,405
41 $ 17,250,000
42 $ 16,925,595
43 $ 16,601,190
44 $ 16,276,786
45 $ 15,952,381
46 $ 15,627,976
47 $ 15,303,571
 48 $ 14,979,167
49 $ 14,654,762
50 $ 14,330,357
51 $ 14,005,952
52 $ 13,681,548
53 $ 13,357,143
54 $ 13,032,738
55 $ 12,708,333
56 $ 12,383,929
57 $ 12,059,524
58 $ 11,735,119
59 $ 11,410,714
60 $ 11,086,310
61 $ 10,761,905
62 $ 10,437,500
63 $ 10,113,095
64 $ 9,788,690
65 $ 9,464,286
66 $ 9,139,881
67 $ 8,815,476
68 $ 8,491,071
69 $ 8,166,667
70 $ 7,842,262
71 $ 7,517,857
72 $ 7,193,452
73 $ 6,869,048
74 $ 6,544,643
75 $ 6,220,238
76 $ 5,895,833
77 $ 5,571,429
78 $ 5,247,024
79 $ 4,922,619
80 $ 4,598,214
81 $ 4,273,810
82 $ 3,949,405
83 $ 3,625,000
84 $ 3,300,595

3.Amortización con periodo de gracia de 8 meses

 DATOS
VP $ 250,000,000
NPER 84
Periodo de gracia 6
Periodo de amortizacion 78
i 0.86%
G $ 50,000

NPER CUOTA
0
1 $ -
2 $ -
3 $ -
4 $ -
5 $ -
6 $ -
7 $ -
8 $ -
9 $ 3,142,681
10 $ 3,192,681
11 $ 3,242,681
12 $ 3,292,681
13 $ 3,342,681
14 $ 3,392,681
15 $ 3,442,681
16 $ 3,492,681
17 $ 3,542,681
18 $ 3,592,681
19 $ 3,642,681
20 $ 3,692,681
21 $ 3,742,681
22 $ 3,792,681
23 $ 3,842,681
24 $ 3,892,681
25 $ 3,942,681
26 $ 3,992,681
27 $ 4,042,681
28 $ 4,092,681
29 $ 4,142,681
30 $ 4,192,681
31 $ 4,242,681
32 $ 4,292,681
33 $ 4,342,681
34 $ 4,392,681
35 $ 4,442,681
36 $ 4,492,681
37 $ 4,542,681
38 $ 4,592,681
39 $ 4,642,681
40 $ 4,692,681
41 $ 4,742,681
42 $ 4,792,681
43 $ 4,842,681
44 $ 4,892,681
45 $ 4,942,681
46 $ 4,992,681
47 $ 5,042,681
48 $ 5,092,681
49 $ 5,142,681
50 $ 5,192,681
51 $ 5,242,681
52 $ 5,292,681
53 $ 5,342,681
54 $ 5,392,681
55 $ 5,442,681
56 $ 5,492,681
57 $ 5,542,681
58 $ 5,592,681
59 $ 5,642,681
60 $ 5,692,681
61 $ 5,742,681
62 $ 5,792,681
63 $ 5,842,681
64 $ 5,892,681
65 $ 5,942,681
66 $ 5,992,681
67 $ 6,042,681
68 $ 6,092,681
69 $ 6,142,681
70 $ 6,192,681
71 $ 6,242,681
72 $ 6,292,681
73 $ 6,342,681
74 $ 6,392,681
75 $ 6,442,681
76 $ 6,492,681
77 $ 6,542,681
78 $ 6,592,681
79 $ 6,642,681
 80 $ 6,692,681
81 $ 6,742,681
82 $ 6,792,681
83 $ 6,842,681
84 $ 6,892,681

A traves de las tres opciones,la mejor opcion es abono constante a capita

el capital a lo que tambien disminuiria el valor de
7 Estudio sobre caso de altrernativas de financiacion

bre inversión por $250.000.000, durante 7 años, con una tasa de interés del 10,9 % EM.
ue le ofrece su entidad financiera con respecto a la forma de amortizar la deuda. Para ayudarle a

DATOS
$ 250,000,000
84 Meses 7 AÑOS
0.86% Mensual 10.90% EA
$ 50,000

INTERES AMORTIZACIÓN SALDO

$ 250,000,000
$ 2,150,000 $ 216,327 $ 249,783,673
$ 2,148,140 $ 268,188 $ 249,515,485
$ 2,145,833 $ 320,494 $ 249,194,991
$ 2,143,077 $ 373,250 $ 248,821,741
$ 2,139,867 $ 426,460 $ 248,395,280
$ 2,136,199 $ 480,128 $ 247,915,152
$ 2,132,070 $ 534,257 $ 247,380,895
$ 2,127,476 $ 588,852 $ 246,792,044
$ 2,122,412 $ 643,916 $ 246,148,128
$ 2,116,874 $ 699,453 $ 245,448,675
$ 2,110,859 $ 755,469 $ 244,693,206
$ 2,104,362 $ 811,966 $ 243,881,240
$ 2,097,379 $ 868,949 $ 243,012,292
$ 2,089,906 $ 926,422 $ 242,085,870
$ 2,081,938 $ 984,389 $ 241,101,482
$ 2,073,473 $ 1,042,855 $ 240,058,627
$ 2,064,504 $ 1,101,823 $ 238,956,804
$ 2,055,029 $ 1,161,299 $ 237,795,505
$ 2,045,041 $ 1,221,286 $ 236,574,219
$ 2,034,538 $ 1,281,789 $ 235,292,430
$ 2,023,515 $ 1,342,812 $ 233,949,618
$ 2,011,967 $ 1,404,361 $ 232,545,257
$ 1,999,889 $ 1,466,438 $ 231,078,819
$ 1,987,278 $ 1,529,049 $ 229,549,770
$ 1,974,128 $ 1,592,199 $ 227,957,571
$ 1,960,435 $ 1,655,892 $ 226,301,678
$ 1,946,194 $ 1,720,133 $ 224,581,546
$ 1,931,401 $ 1,784,926 $ 222,796,620
$ 1,916,051 $ 1,850,276 $ 220,946,343
$ 1,900,139 $ 1,916,189 $ 219,030,155
$ 1,883,659 $ 1,982,668 $ 217,047,487
$ 1,866,608 $ 2,049,719 $ 214,997,768
$ 1,848,981 $ 2,117,346 $ 212,880,421
$ 1,830,772 $ 2,185,556 $ 210,694,866
$ 1,811,976 $ 2,254,351 $ 208,440,514
$ 1,792,588 $ 2,323,739 $ 206,116,775
$ 1,772,604 $ 2,393,723 $ 203,723,052
$ 1,752,018 $ 2,464,309 $ 201,258,743
$ 1,730,825 $ 2,535,502 $ 198,723,241
$ 1,709,020 $ 2,607,307 $ 196,115,934
$ 1,686,597 $ 2,679,730 $ 193,436,204
$ 1,663,551 $ 2,752,776 $ 190,683,428
$ 1,639,877 $ 2,826,450 $ 187,856,978
$ 1,615,570 $ 2,900,757 $ 184,956,221
$ 1,590,623 $ 2,975,704 $ 181,980,517
$ 1,565,032 $ 3,051,295 $ 178,929,222
$ 1,538,791 $ 3,127,536 $ 175,801,686
$ 1,511,895 $ 3,204,433 $ 172,597,253
$ 1,484,336 $ 3,281,991 $ 169,315,262
$ 1,456,111 $ 3,360,216 $ 165,955,046
$ 1,427,213 $ 3,439,114 $ 162,515,933
$ 1,397,637 $ 3,518,690 $ 158,997,242
$ 1,367,376 $ 3,598,951 $ 155,398,291
$ 1,336,425 $ 3,679,902 $ 151,718,389
$ 1,304,778 $ 3,761,549 $ 147,956,840
$ 1,272,429 $ 3,843,898 $ 144,112,942
$ 1,239,371 $ 3,926,956 $ 140,185,986
$ 1,205,599 $ 4,010,728 $ 136,175,258
$ 1,171,107 $ 4,095,220 $ 132,080,038
$ 1,135,888 $ 4,180,439 $ 127,899,599
$ 1,099,937 $ 4,266,391 $ 123,633,208
$ 1,063,246 $ 4,353,082 $ 119,280,127
$ 1,025,809 $ 4,440,518 $ 114,839,608
$ 987,621 $ 4,528,707 $ 110,310,902
$ 948,674 $ 4,617,654 $ 105,693,248
$ 908,962 $ 4,707,365 $ 100,985,883
$ 868,479 $ 4,797,849 $ 96,188,034
$ 827,217 $ 4,889,110 $ 91,298,924
$ 785,171 $ 4,981,157 $ 86,317,768
$ 742,333 $ 5,073,994 $ 81,243,773
$ 698,696 $ 5,167,631 $ 76,076,142
$ 654,255 $ 5,262,072 $ 70,814,070
$ 609,001 $ 5,357,326 $ 65,456,744
$ 562,928 $ 5,453,399 $ 60,003,344
$ 516,029 $ 5,550,299 $ 54,453,046
$ 468,296 $ 5,648,031 $ 48,805,015
$ 419,723 $ 5,746,604 $ 43,058,411
$ 370,302 $ 5,846,025 $ 37,212,386
$ 320,027 $ 5,946,301 $ 31,266,085
$ 268,888 $ 6,047,439 $ 25,218,646
$ 216,880 $ 6,149,447 $ 19,069,199
$ 163,995 $ 6,252,332 $ 12,816,867
$ 110,225 $ 6,356,102 $ 6,460,765
$ 55,563 $ 6,460,765 $ 0

CAPITAL INTERES TOTAL

$ - $ - $ 250,000,000
$ 2,976,190 $ 27,250,000 $ 247,023,810
$ 2,976,190 $ 26,925,595 $ 244,047,619
$ 2,976,190 $ 26,601,190 $ 241,071,429
$ 2,976,190 $ 26,276,786 $ 238,095,238
$ 2,976,190 $ 25,952,381 $ 235,119,048
$ 2,976,190 $ 25,627,976 $ 232,142,857
$ 2,976,190 $ 25,303,571 $ 229,166,667
$ 2,976,190 $ 24,979,167 $ 226,190,476
$ 2,976,190 $ 24,654,762 $ 223,214,286
$ 2,976,190 $ 24,330,357 $ 220,238,095
$ 2,976,190 $ 24,005,952 $ 217,261,905
$ 2,976,190 $ 23,681,548 $ 214,285,714
$ 2,976,190 $ 23,357,143 $ 211,309,524
$ 2,976,190 $ 23,032,738 $ 208,333,333
$ 2,976,190 $ 22,708,333 $ 205,357,143
$ 2,976,190 $ 22,383,929 $ 202,380,952
$ 2,976,190 $ 22,059,524 $ 199,404,762
$ 2,976,190 $ 21,735,119 $ 196,428,571
$ 2,976,190 $ 21,410,714 $ 193,452,381
$ 2,976,190 $ 21,086,310 $ 190,476,190
$ 2,976,190 $ 20,761,905 $ 187,500,000
$ 2,976,190 $ 20,437,500 $ 184,523,810
$ 2,976,190 $ 20,113,095 $ 181,547,619
$ 2,976,190 $ 19,788,690 $ 178,571,429
$ 2,976,190 $ 19,464,286 $ 175,595,238
$ 2,976,190 $ 19,139,881 $ 172,619,048
$ 2,976,190 $ 18,815,476 $ 169,642,857
$ 2,976,190 $ 18,491,071 $ 166,666,667
$ 2,976,190 $ 18,166,667 $ 163,690,476
$ 2,976,190 $ 17,842,262 $ 160,714,286
$ 2,976,190 $ 17,517,857 $ 157,738,095
$ 2,976,190 $ 17,193,452 $ 154,761,905
$ 2,976,190 $ 16,869,048 $ 151,785,714
$ 2,976,190 $ 16,544,643 $ 148,809,524
$ 2,976,190 $ 16,220,238 $ 145,833,333
$ 2,976,190 $ 15,895,833 $ 142,857,143
$ 2,976,190 $ 15,571,429 $ 139,880,952
$ 2,976,190 $ 15,247,024 $ 136,904,762
$ 2,976,190 $ 14,922,619 $ 133,928,571
$ 2,976,190 $ 14,598,214 $ 130,952,381
$ 2,976,190 $ 14,273,810 $ 127,976,190
$ 2,976,190 $ 13,949,405 $ 125,000,000
$ 2,976,190 $ 13,625,000 $ 122,023,810
$ 2,976,190 $ 13,300,595 $ 119,047,619
$ 2,976,190 $ 12,976,190 $ 116,071,429
$ 2,976,190 $ 12,651,786 $ 113,095,238
$ 2,976,190 $ 12,327,381 $ 110,119,048
$ 2,976,190 $ 12,002,976 $ 107,142,857
$ 2,976,190 $ 11,678,571 $ 104,166,667
$ 2,976,190 $ 11,354,167 $ 101,190,476
$ 2,976,190 $ 11,029,762 $ 98,214,286
$ 2,976,190 $ 10,705,357 $ 95,238,095
$ 2,976,190 $ 10,380,952 $ 92,261,905
$ 2,976,190 $ 10,056,548 $ 89,285,714
$ 2,976,190 $ 9,732,143 $ 86,309,524
$ 2,976,190 $ 9,407,738 $ 83,333,333
$ 2,976,190 $ 9,083,333 $ 80,357,143
$ 2,976,190 $ 8,758,929 $ 77,380,952
$ 2,976,190 $ 8,434,524 $ 74,404,762
$ 2,976,190 $ 8,110,119 $ 71,428,571
$ 2,976,190 $ 7,785,714 $ 68,452,381
$ 2,976,190 $ 7,461,310 $ 65,476,190
$ 2,976,190 $ 7,136,905 $ 62,500,000
$ 2,976,190 $ 6,812,500 $ 59,523,810
$ 2,976,190 $ 6,488,095 $ 56,547,619
$ 2,976,190 $ 6,163,690 $ 53,571,429
$ 2,976,190 $ 5,839,286 $ 50,595,238
$ 2,976,190 $ 5,514,881 $ 47,619,048
$ 2,976,190 $ 5,190,476 $ 44,642,857
$ 2,976,190 $ 4,866,071 $ 41,666,667
$ 2,976,190 $ 4,541,667 $ 38,690,476
$ 2,976,190 $ 4,217,262 $ 35,714,286
$ 2,976,190 $ 3,892,857 $ 32,738,095
$ 2,976,190 $ 3,568,452 $ 29,761,905
$ 2,976,190 $ 3,244,048 $ 26,785,714
$ 2,976,190 $ 2,919,643 $ 23,809,524
$ 2,976,190 $ 2,595,238 $ 20,833,333
$ 2,976,190 $ 2,270,833 $ 17,857,143
$ 2,976,190 $ 1,946,429 $ 14,880,952
$ 2,976,190 $ 1,622,024 $ 11,904,762
$ 2,976,190 $ 1,297,619 $ 8,928,571
$ 2,976,190 $ 973,214 $ 5,952,381
$ 2,976,190 $ 648,810 $ 2,976,190
$ 2,976,190 $ 324,405 -$ 0
 Meses

Mensual 10.90% EA

INTERES AMORTIZACIÓN SALDO

$ 250,000,000
$ 2,150,000 -$ 2,150,000 $ 252,150,000
$ 2,168,490 -$ 2,168,490 $ 254,318,490
$ 2,187,139 -$ 2,187,139 $ 256,505,629
$ 2,205,948 -$ 2,205,948 $ 258,711,577
$ 2,224,920 -$ 2,224,920 $ 260,936,497
$ 2,244,054 -$ 2,244,054 $ 263,180,551
$ 2,263,353 -$ 2,263,353 $ 265,443,904
$ 2,282,818 -$ 2,282,818 $ 267,726,721
$ 2,302,450 $ 840,232 $ 266,886,490
$ 2,295,224 $ 897,458 $ 265,989,032
$ 2,287,506 $ 955,176 $ 265,033,856
$ 2,279,291 $ 1,013,390 $ 264,020,466
$ 2,270,576 $ 1,072,105 $ 262,948,361
$ 2,261,356 $ 1,131,325 $ 261,817,035
$ 2,251,627 $ 1,191,055 $ 260,625,981
$ 2,241,383 $ 1,251,298 $ 259,374,683
$ 2,230,622 $ 1,312,059 $ 258,062,624
$ 2,219,339 $ 1,373,343 $ 256,689,281
$ 2,207,528 $ 1,435,154 $ 255,254,127
$ 2,195,185 $ 1,497,496 $ 253,756,631
$ 2,182,307 $ 1,560,374 $ 252,196,257
$ 2,168,888 $ 1,623,794 $ 250,572,464
$ 2,154,923 $ 1,687,758 $ 248,884,705
$ 2,140,408 $ 1,752,273 $ 247,132,433
$ 2,125,339 $ 1,817,342 $ 245,315,090
$ 2,109,710 $ 1,882,972 $ 243,432,118
$ 2,093,516 $ 1,949,165 $ 241,482,953
$ 2,076,753 $ 2,015,928 $ 239,467,025
$ 2,059,416 $ 2,083,265 $ 237,383,760
$ 2,041,500 $ 2,151,181 $ 235,232,579
$ 2,023,000 $ 2,219,681 $ 233,012,898
$ 2,003,911 $ 2,288,770 $ 230,724,128
$ 1,984,227 $ 2,358,454 $ 228,365,674
$ 1,963,945 $ 2,428,737 $ 225,936,937
$ 1,943,058 $ 2,499,624 $ 223,437,314
$ 1,921,561 $ 2,571,120 $ 220,866,193
$ 1,899,449 $ 2,643,232 $ 218,222,961
$ 1,876,717 $ 2,715,964 $ 215,506,997
$ 1,853,360 $ 2,789,321 $ 212,717,676
$ 1,829,372 $ 2,863,309 $ 209,854,367
$ 1,804,748 $ 2,937,934 $ 206,916,433
$ 1,779,481 $ 3,013,200 $ 203,903,233
$ 1,753,568 $ 3,089,114 $ 200,814,119
$ 1,727,001 $ 3,165,680 $ 197,648,440
$ 1,699,777 $ 3,242,905 $ 194,405,535
$ 1,671,888 $ 3,320,794 $ 191,084,741
$ 1,643,329 $ 3,399,353 $ 187,685,388
$ 1,614,094 $ 3,478,587 $ 184,206,801
$ 1,584,178 $ 3,558,503 $ 180,648,299
$ 1,553,575 $ 3,639,106 $ 177,009,193
$ 1,522,279 $ 3,720,402 $ 173,288,790
$ 1,490,284 $ 3,802,398 $ 169,486,393
$ 1,457,583 $ 3,885,098 $ 165,601,294
$ 1,424,171 $ 3,968,510 $ 161,632,784
$ 1,390,042 $ 4,052,639 $ 157,580,145
$ 1,355,189 $ 4,137,492 $ 153,442,652
$ 1,319,607 $ 4,223,075 $ 149,219,578
$ 1,283,288 $ 4,309,393 $ 144,910,185
$ 1,246,228 $ 4,396,454 $ 140,513,731
$ 1,208,418 $ 4,484,263 $ 136,029,468
$ 1,169,853 $ 4,572,828 $ 131,456,640
$ 1,130,527 $ 4,662,154 $ 126,794,486
$ 1,090,433 $ 4,752,249 $ 122,042,237
$ 1,049,563 $ 4,843,118 $ 117,199,119
$ 1,007,912 $ 4,934,769 $ 112,264,350
$ 965,473 $ 5,027,208 $ 107,237,142
$ 922,239 $ 5,120,442 $ 102,116,700
$ 878,204 $ 5,214,478 $ 96,902,222
$ 833,359 $ 5,309,322 $ 91,592,900
$ 787,699 $ 5,404,982 $ 86,187,918
$ 741,216 $ 5,501,465 $ 80,686,452
$ 693,903 $ 5,598,778 $ 75,087,675
$ 645,754 $ 5,696,927 $ 69,390,747
$ 596,760 $ 5,795,921 $ 63,594,826
$ 546,916 $ 5,895,766 $ 57,699,060
$ 496,212 $ 5,996,469 $ 51,702,591
$ 444,642 $ 6,098,039 $ 45,604,552
$ 392,199 $ 6,200,482 $ 39,404,070
$ 338,875 $ 6,303,806 $ 33,100,263
 $ 284,662 $ 6,408,019 $ 26,692,244
$ 229,553 $ 6,513,128 $ 20,179,116
$ 173,540 $ 6,619,141 $ 13,559,975
$ 116,616 $ 6,726,066 $ 6,833,910
$ 58,772 $ 6,833,910 $ 0

or opcion es abono constante a capital,ya que le da la opcion de disminuir

o que tambien disminuiria el valor de los intereses.