Periodo

CON PGT (meses)

a I Cuota R

Prestamo = 220,000 0
Plazo = 20 años PGT 1 - 1,804.65 -
PGT = 3 meses PGT 2 - 1,819.45 -
Numero cuotas por año 12 PGT 3 - 1,834.37 -
Plazo en meses 240
n= 237 cuotas 𝟐𝟐𝟓,𝟒𝟓𝟖.𝟒𝟕=𝐑∗((𝟏−(𝟏+𝟎.𝟎𝟎𝟖𝟐𝟎𝟐𝟗)^(−𝟐
TEA = 10.30%
TEM = 0.82029%

R= 2,161.19

FLUJO NETO RECIBIDO:

Periodo 0
Prestamo 220,000.00
G.Evaluac.Garantias 1.10% Prestamo - Comision 2,420.00
- Gastos -
FNR 217,580.00

Periodos Flujos de
(meses) Evaluacion

0 -217,580.00
1 -
2 -
3 -
4 2,191.19
5 2,191.19
6 2,191.19
7 2,191.19
8 2,191.19
9 2,191.19
10 2,191.19
11 2,191.19
12 2,191.19
13 2,191.19
14 2,191.19
15 2,191.19
16 2,191.19
17 2,191.19
18 2,191.19
19 2,191.19
20 2,191.19
21 2,191.19
22 2,191.19
23 2,191.19
24 2,191.19
25 2,191.19
26 2,191.19
27 2,191.19
28 2,191.19
29 2,191.19
30 2,191.19
31 2,191.19
32 2,191.19
33 2,191.19
34 2,191.19
35 2,191.19
36 2,191.19
37 2,191.19
38 2,191.19
39 2,191.19
40 2,191.19
41 2,191.19
42 2,191.19
43 2,191.19
44 2,191.19
45 2,191.19
46 2,191.19
47 2,191.19
48 2,191.19
49 2,191.19
50 2,191.19
51 2,191.19
52 2,191.19
53 2,191.19
54 2,191.19
55 2,191.19
56 2,191.19
57 2,191.19
58 2,191.19
59 2,191.19
60 2,191.19
61 2,191.19
62 2,191.19
63 2,191.19
64 2,191.19
65 2,191.19
 66 2,191.19
67 2,191.19
68 2,191.19
69 2,191.19
70 2,191.19
71 2,191.19
72 2,191.19
73 2,191.19
74 2,191.19
75 2,191.19
76 2,191.19
77 2,191.19
78 2,191.19
79 2,191.19
80 2,191.19
81 2,191.19
82 2,191.19
83 2,191.19
84 2,191.19
85 2,191.19
86 2,191.19
87 2,191.19
88 2,191.19
89 2,191.19
90 2,191.19
91 2,191.19
92 2,191.19
93 2,191.19
94 2,191.19
95 2,191.19
96 2,191.19
97 2,191.19
98 2,191.19
99 2,191.19
100 2,191.19
101 2,191.19
102 2,191.19
103 2,191.19
104 2,191.19
105 2,191.19
106 2,191.19
107 2,191.19
108 2,191.19
109 2,191.19
110 2,191.19
111 2,191.19
112 2,191.19
113 2,191.19
114 2,191.19
115 2,191.19
116 2,191.19
117 2,191.19
118 2,191.19
119 2,191.19
120 2,191.19
121 2,191.19
122 2,191.19
123 2,191.19
124 2,191.19
125 2,191.19
126 2,191.19
127 2,191.19
128 2,191.19
129 2,191.19
130 2,191.19
131 2,191.19
132 2,191.19
133 2,191.19
134 2,191.19
135 2,191.19
136 2,191.19
137 2,191.19
138 2,191.19
139 2,191.19
140 2,191.19
141 2,191.19
142 2,191.19
143 2,191.19
144 2,191.19
145 2,191.19
146 2,191.19
147 2,191.19
148 2,191.19
149 2,191.19
150 2,191.19
151 2,191.19
152 2,191.19
153 2,191.19
154 2,191.19
155 2,191.19
156 2,191.19
157 2,191.19
158 2,191.19
159 2,191.19
160 2,191.19
161 2,191.19
162 2,191.19
163 2,191.19
164 2,191.19
165 2,191.19
166 2,191.19
167 2,191.19
168 2,191.19
169 2,191.19
170 2,191.19
171 2,191.19
172 2,191.19
173 2,191.19
174 2,191.19
175 2,191.19
176 2,191.19
177 2,191.19
178 2,191.19
179 2,191.19
180 2,191.19
181 2,191.19
182 2,191.19
183 2,191.19
184 2,191.19
185 2,191.19
186 2,191.19
187 2,191.19
188 2,191.19
189 2,191.19
190 2,191.19
191 2,191.19
192 2,191.19
193 2,191.19
194 2,191.19
195 2,191.19
196 2,191.19
197 2,191.19
198 2,191.19
199 2,191.19
200 2,191.19
201 2,191.19
202 2,191.19
203 2,191.19
204 2,191.19
205 2,191.19
206 2,191.19
207 2,191.19
208 2,191.19
209 2,191.19
210 2,191.19
211 2,191.19
212 2,191.19
213 2,191.19
214 2,191.19
215 2,191.19
216 2,191.19
217 2,191.19
218 2,191.19
219 2,191.19
220 2,191.19
221 2,191.19
222 2,191.19
223 2,191.19
224 2,191.19
225 2,191.19
226 2,191.19
227 2,191.19
228 2,191.19
229 2,191.19
230 2,191.19
231 2,191.19
232 2,191.19
233 2,191.19
234 2,191.19
235 2,191.19
236 2,191.19
237 2,191.19
238 2,191.19
239 2,191.19
240 2,191.19
 Deuda
Saldo
Extinguida

220,000.00
221,804.65 -
223,624.10 -
225,458.47 -

−(𝟏+𝟎.𝟎𝟎𝟖𝟐𝟎𝟐𝟗)^(−𝟐𝟑𝟕))/(𝟎.𝟎𝟎𝟖𝟐𝟎𝟐𝟗))

Funcion PAGO. El Prestamo (VA), se ingresa con signo negativo

FLUJO NETO A PAGAR:

Mes 3 al
Periodos Mes 1 al 3 Periodos
240
Cuota Ordinaria - Cuota Ordinaria 2,161.19
+ Comision - + Comision 5.00
+ Gastos - + Gastos 25.00
FNP c.ordinaria - FNP c.balon 2,191.19
n 3 n 237

CALCULO DEL COSTO

EFECTIVO DEL PRESTAMO

TCEM 0.8496% Funcion TIR

TCEA 10.6858%
 Periodo
CON PGP (meses)
a I Cuota R

Prestamo = 220,000 0
Plazo = 20 años PGP 1 - 1,804.65 1,804.65
PGT = 3 meses PGP 2 - 1,804.65 1,804.65
Numero cuotas por año 12 PGP 3 - 1,804.65 1,804.65
Plazo en meses 240
n= 237 cuotas 𝟐𝟐𝟎,𝟎𝟎𝟎=𝐑∗((𝟏−(𝟏+𝟎.𝟎𝟎𝟖𝟐𝟎𝟐𝟗)^(−𝟐𝟑𝟕
TEA = 10.30%
TEM = 0.82029%

R= 2,108.86

FLUJO NETO RECIBIDO:

Periodo 0
Prestamo 220,000.00
G.Evaluac.Garantias 1.10% Prestamo - Comision 2,420.00
- Gastos -
FNR 217,580.00

Periodos Flujos de
(meses) Evaluacion

0 -217,580.00
1 1,834.65
2 1,834.65
3 1,834.65
4 2,138.86
5 2,138.86
6 2,138.86
7 2,138.86
8 2,138.86
9 2,138.86
10 2,138.86
11 2,138.86
12 2,138.86
13 2,138.86
14 2,138.86
15 2,138.86
16 2,138.86
17 2,138.86
18 2,138.86
19 2,138.86
20 2,138.86
21 2,138.86
22 2,138.86
23 2,138.86
24 2,138.86
25 2,138.86
26 2,138.86
27 2,138.86
28 2,138.86
29 2,138.86
30 2,138.86
31 2,138.86
32 2,138.86
33 2,138.86
34 2,138.86
35 2,138.86
36 2,138.86
37 2,138.86
38 2,138.86
39 2,138.86
40 2,138.86
41 2,138.86
42 2,138.86
43 2,138.86
44 2,138.86
45 2,138.86
46 2,138.86
47 2,138.86
48 2,138.86
49 2,138.86
50 2,138.86
51 2,138.86
52 2,138.86
53 2,138.86
54 2,138.86
55 2,138.86
56 2,138.86
57 2,138.86
58 2,138.86
59 2,138.86
60 2,138.86
61 2,138.86
62 2,138.86
63 2,138.86
64 2,138.86
65 2,138.86
 66 2,138.86
67 2,138.86
68 2,138.86
69 2,138.86
70 2,138.86
71 2,138.86
72 2,138.86
73 2,138.86
74 2,138.86
75 2,138.86
76 2,138.86
77 2,138.86
78 2,138.86
79 2,138.86
80 2,138.86
81 2,138.86
82 2,138.86
83 2,138.86
84 2,138.86
85 2,138.86
86 2,138.86
87 2,138.86
88 2,138.86
89 2,138.86
90 2,138.86
91 2,138.86
92 2,138.86
93 2,138.86
94 2,138.86
95 2,138.86
96 2,138.86
97 2,138.86
98 2,138.86
99 2,138.86
100 2,138.86
101 2,138.86
102 2,138.86
103 2,138.86
104 2,138.86
105 2,138.86
106 2,138.86
107 2,138.86
108 2,138.86
109 2,138.86
110 2,138.86
111 2,138.86
112 2,138.86
113 2,138.86
114 2,138.86
115 2,138.86
116 2,138.86
117 2,138.86
118 2,138.86
119 2,138.86
120 2,138.86
121 2,138.86
122 2,138.86
123 2,138.86
124 2,138.86
125 2,138.86
126 2,138.86
127 2,138.86
128 2,138.86
129 2,138.86
130 2,138.86
131 2,138.86
132 2,138.86
133 2,138.86
134 2,138.86
135 2,138.86
136 2,138.86
137 2,138.86
138 2,138.86
139 2,138.86
140 2,138.86
141 2,138.86
142 2,138.86
143 2,138.86
144 2,138.86
145 2,138.86
146 2,138.86
147 2,138.86
148 2,138.86
149 2,138.86
150 2,138.86
151 2,138.86
152 2,138.86
153 2,138.86
154 2,138.86
155 2,138.86
156 2,138.86
157 2,138.86
158 2,138.86
159 2,138.86
160 2,138.86
161 2,138.86
162 2,138.86
163 2,138.86
164 2,138.86
165 2,138.86
166 2,138.86
167 2,138.86
168 2,138.86
169 2,138.86
170 2,138.86
171 2,138.86
172 2,138.86
173 2,138.86
174 2,138.86
175 2,138.86
176 2,138.86
177 2,138.86
178 2,138.86
179 2,138.86
180 2,138.86
181 2,138.86
182 2,138.86
183 2,138.86
184 2,138.86
185 2,138.86
186 2,138.86
187 2,138.86
188 2,138.86
189 2,138.86
190 2,138.86
191 2,138.86
192 2,138.86
193 2,138.86
194 2,138.86
195 2,138.86
196 2,138.86
197 2,138.86
198 2,138.86
199 2,138.86
200 2,138.86
201 2,138.86
202 2,138.86
203 2,138.86
204 2,138.86
205 2,138.86
206 2,138.86
207 2,138.86
208 2,138.86
209 2,138.86
210 2,138.86
211 2,138.86
212 2,138.86
213 2,138.86
214 2,138.86
215 2,138.86
216 2,138.86
217 2,138.86
218 2,138.86
219 2,138.86
220 2,138.86
221 2,138.86
222 2,138.86
223 2,138.86
224 2,138.86
225 2,138.86
226 2,138.86
227 2,138.86
228 2,138.86
229 2,138.86
230 2,138.86
231 2,138.86
232 2,138.86
233 2,138.86
234 2,138.86
235 2,138.86
236 2,138.86
237 2,138.86
238 2,138.86
239 2,138.86
240 2,138.86
 Deuda
Saldo
Extinguida

220,000.00
220,000.00 -
220,000.00 -
220,000.00 -

𝟏+𝟎.𝟎𝟎𝟖𝟐𝟎𝟐𝟗)^(−𝟐𝟑𝟕))/(𝟎.𝟎𝟎𝟖𝟐𝟎𝟐𝟗))

Funcion PAGO. El Prestamo (VA), se ingresa con signo negativo

FLUJO NETO A PAGAR:

Mes 3 al
Periodos Mes 1 al 3 Periodos
240
Cuota Ordinaria 1,804.65 Cuota Ordinaria 2,108.86
+ Comision 5.00 + Comision 5.00
+ Gastos 25.00 + Gastos 25.00
FNP c.ordinaria 1,834.65 FNP c.balon 2,138.86
n 3 n 237

CALCULO DEL COSTO

EFECTIVO DEL PRESTAMO

TCEM 0.8508% Funcion TIR

TCEA 10.7018%
Prestamo = 28,000
Plazo = 5 años 𝟐𝟖,𝟎𝟎𝟎=𝟑𝟎𝟎∗[(𝟏−(𝟏+𝟎.𝟎𝟏)^(−𝟔𝟎))/(𝟎.𝟎𝟏)]
Cuotas Ordinarias +𝐑∗[(𝟏−(𝟏+𝟎.𝟎𝟑𝟎𝟑𝟎𝟏)^(−𝟐𝟎))/(𝟎.𝟎𝟑𝟎𝟑𝟎𝟏)]
n= 60.00 meses
R= 300.00 mensual
TEM = 1.00000% R= 978.25
VA (0) = 13,486.5115
Cuotas Extraordinarias
n= 20.00 trimestres
R= 1 R trimestral
TES = 3.0301%
VA (0) = 14.84 R

FLUJO NETO RECIBIDO: FLUJO NETO A PAGAR:

Periodo 0 Periodos Mes 1 al 60 Periodos

Prestamo 28,000.00 Cuota Ordinaria 300 Cuota Extraord.

- Comision 65.00 + Comision 5 + Comision
- Gastos 85.00 + Gastos 10 + Gastos
FNR 27,850.00 FNP c.ordinaria 315 FNP c.extraordin.
n 60 n

Periodos Flujos de
(meses) Evaluacion

0 - 27,850.00
1 315.00
2 315.00
3 1,293.25
4 315.00
5 315.00
6 1,293.25
7 315.00
8 315.00
9 1,293.25
10 315.00
11 315.00
12 1,293.25
13 315.00
14 315.00
15 1,293.25
16 315.00
17 315.00
18 1,293.25
19 315.00
20 315.00
21 1,293.25
22 315.00
 23 315.00
24 1,293.25
25 315.00
26 315.00
27 1,293.25
28 315.00
29 315.00
30 1,293.25
31 315.00
32 315.00
33 1,293.25
34 315.00
35 315.00
36 1,293.25
37 315.00
38 315.00
39 1,293.25
40 315.00
41 315.00
42 1,293.25
43 315.00
44 315.00
45 1,293.25
46 315.00
47 315.00
48 1,293.25
49 315.00
50 315.00
51 1,293.25
52 315.00
53 315.00
54 1,293.25
55 315.00
56 315.00
57 1,293.25
58 315.00
59 315.00
60 1,293.25

TCEM 1.1057% FUNCION TIR

TCEA 14.1057%
−𝟔𝟎))/(𝟎.𝟎𝟏)]
))/(𝟎.𝟎𝟑𝟎𝟑𝟎𝟏)]

Trimestres
1 al 20
978.25
0
0
978.251226
20
Prestamo = 30,000
Plazo = 4 años 𝟑𝟎,𝟎𝟎𝟎=𝐑∗[(𝟏−(𝟏+𝟎.𝟎𝟏)^(−𝟒𝟕))/(𝟎.𝟎𝟏)]
Cuotas Ordinarias +(𝟗,𝟎𝟎𝟎)/(𝟏+𝟎.𝟎𝟏)^𝟒𝟖
n= 47.00 meses
R= 1.00 R mensual
TEM = 1.00000% R= 653.69
VA (0) = 37.3537 R
Cuota Balon 30% Prestamo
Cuota= 9,000
Pago en mes 48.00
TEM = 1.0000%
VA (0) = 5,582.34

FLUJO NETO RECIBIDO: FLUJO NETO A PAGAR:

Periodo 0 Periodos Mes 1 al 47 Periodos
Prestamo 30,000.00 Cuota Ordinaria 653.69 Cuota balon
- Comision 75.00 + Comision 6.00 + Comision
- Gastos 85.00 + Gastos 12.00 + Gastos
FNR 29,840.00 FNP c.ordinaria 671.69 FNP c.balon
n 47 mes

Periodos Flujos de
(meses) Evaluacion

0 - 29,840.00
1 671.69
2 671.69
3 671.69
4 671.69
5 671.69
6 671.69
7 671.69
8 671.69
9 671.69
10 671.69
11 671.69
12 671.69
13 671.69
14 671.69
15 671.69
16 671.69
17 671.69
18 671.69
19 671.69
20 671.69
21 671.69
22 671.69
 23 671.69
24 671.69
25 671.69
26 671.69
27 671.69
28 671.69
29 671.69
30 671.69
31 671.69
32 671.69
33 671.69
34 671.69
35 671.69
36 671.69
37 671.69
38 671.69
39 671.69
40 671.69
41 671.69
42 671.69
43 671.69
44 671.69
45 671.69
46 671.69
47 671.69
48 9,018.00

TCEM 1.1053% FUNCION TIR

TCEA 14.1003%
𝟒𝟕))/(𝟎.𝟎𝟏)]

Mes 48
9,000.00
6.00
12.00
9,018.00
48