Una empresa acude a un banco para obtener financiancion. El banco le concede un prestamo por $40.000.

0
cancelar en 48 cuotas mensuales a una tasa de interes del 15% nominal trimestral. Realizar la conversion de
respectiva amortizacion mensual.

DATOS DE ENTRADA

VA $ 40,000,000
15.86% E.A
TASA 14.81% NOMINAL
1% MENSUAL
NPER 48
COSTOS ASOCIADOS $ 53,252,150.86
CUOTA MENSUAL $ 1,109,420

PERIODO ABONO INTERES ABONO A CAPITAL SALDO DE CAPITAL

0 40,000,000
1 $ 493,600 $ 615,740.76 39,384,259.24
2 $ 486,002 $ 623,339.00 38,760,920.23
3 $ 478,310 $ 631,031.01 38,129,889.23
4 $ 470,523 $ 638,817.93 37,491,071.30
5 $ 462,640 $ 646,700.94 36,844,370.36
6 $ 454,660 $ 654,681.23 36,189,689.12
7 $ 446,581 $ 662,760.00 35,526,929.12
8 $ 438,402 $ 670,938.46 34,855,990.67
9 $ 430,123 $ 679,217.84 34,176,772.83
10 $ 421,741 $ 687,599.39 33,489,173.44
11 $ 413,256 $ 696,084.36 32,793,089.08
12 $ 404,667 $ 704,674.04 32,088,415.04
13 $ 395,971 $ 713,369.72 31,375,045.32
14 $ 387,168 $ 722,172.70 30,652,872.61
15 $ 378,256 $ 731,084.31 29,921,788.30
16 $ 369,235 $ 740,105.89 29,181,682.40
17 $ 360,102 $ 749,238.80 28,432,443.60
18 $ 350,856 $ 758,484.41 27,673,959.19
19 $ 341,497 $ 767,844.11 26,906,115.09
20 $ 332,021 $ 777,319.30 26,128,795.79
21 $ 322,429 $ 786,911.42 25,341,884.36
22 $ 312,719 $ 796,621.91 24,545,262.45
23 $ 302,889 $ 806,452.22 23,738,810.23
24 $ 292,937 $ 816,403.84 22,922,406.39
25 $ 282,862 $ 826,478.27 22,095,928.12
26 $ 272,664 $ 836,677.01 21,259,251.11
27 $ 262,339 $ 847,001.60 20,412,249.51
28 $ 251,887 $ 857,453.60 19,554,795.90
29 $ 241,306 $ 868,034.58 18,686,761.32
30 $ 230,595 $ 878,746.13 17,808,015.19
31 $ 219,751 $ 889,589.86 16,918,425.34
32 $ 208,773 $ 900,567.39 16,017,857.94
33 $ 197,660 $ 911,680.40 15,106,177.55
34 $ 186,410 $ 922,930.53 14,183,247.02
35 $ 175,021 $ 934,319.49 13,248,927.52
36 $ 163,492 $ 945,849.00 12,303,078.53
37 $ 151,820 $ 957,520.77 11,345,557.75
38 $ 140,004 $ 969,336.58 10,376,221.17
39 $ 128,043 $ 981,298.19 9,394,922.98
40 $ 115,933 $ 993,407.41 8,401,515.57
41 $ 103,675 $ 1,005,666.06 7,395,849.51
42 $ 91,265 $ 1,018,075.98 6,377,773.53
43 $ 78,702 $ 1,030,639.04 5,347,134.49
44 $ 65,984 $ 1,043,357.12 4,303,777.37
45 $ 53,109 $ 1,056,232.15 3,247,545.22
46 $ 40,075 $ 1,069,266.05 2,178,279.16
47 $ 26,880 $ 1,082,460.80 1,095,818.36
48 $ 13,522 $ 1,095,818.36 - 0.00
 prestamo por $40.000.000 para
Realizar la conversion de tasa y la

COSTO AMORTIZADO CALCULO DE LA TIR MES

5,000,000 FUNCION TIR -
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
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34
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40
41
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45
46
47
48
ABONO DEL CREDITO COSTOS ASOCIADOS PAGO FC NETO TIR
40,000,000 5000000 0 35,000,000
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
-$ 1,109,420
 DATOS DE ENTRADA

VA $ 35,000,000

TASA 1.86%

NPER 48

1.86% PERIODO ABONO INTERES ABONO A CAPITALSALDO DE CAPITAL

0 35,000,000
1 $ 651,946 $ 457,474.50 34,542,525.50
2 $ 643,424 $ 465,995.88 34,076,529.62
3 $ 634,744 $ 474,675.99 33,601,853.63
4 $ 625,902 $ 483,517.79 33,118,335.84
5 $ 616,896 $ 492,524.28 32,625,811.56
6 $ 607,721 $ 501,698.54 32,124,113.03
7 $ 598,376 $ 511,043.68 31,613,069.34
8 $ 588,857 $ 520,562.90 31,092,506.44
9 $ 579,161 $ 530,259.43 30,562,247.01
10 $ 569,283 $ 540,136.58 30,022,110.42
11 $ 559,222 $ 550,197.72 29,471,912.70
12 $ 548,974 $ 560,446.26 28,911,466.45
13 $ 538,534 $ 570,885.70 28,340,580.75
14 $ 527,900 $ 581,519.59 27,759,061.15
15 $ 517,068 $ 592,351.57 27,166,709.59
16 $ 506,035 $ 603,385.31 26,563,324.28
17 $ 494,795 $ 614,624.58 25,948,699.70
18 $ 483,347 $ 626,073.20 25,322,626.51
19 $ 471,685 $ 637,735.07 24,684,891.43
20 $ 459,806 $ 649,614.17 24,035,277.26
21 $ 447,705 $ 661,714.54 23,373,562.72
22 $ 435,380 $ 674,040.31 22,699,522.41
23 $ 422,824 $ 686,595.67 22,012,926.74
24 $ 410,035 $ 699,384.90 21,313,541.84
25 $ 397,008 $ 712,412.35 20,601,129.49
26 $ 383,738 $ 725,682.46 19,875,447.03
27 $ 370,220 $ 739,199.76 19,136,247.27
28 $ 356,451 $ 752,968.85 18,383,278.42
29 $ 342,426 $ 766,994.41 17,616,284.01
30 $ 328,139 $ 781,281.22 16,835,002.79
31 $ 313,586 $ 795,834.16 16,039,168.63
32 $ 298,762 $ 810,658.17 15,228,510.45
33 $ 283,662 $ 825,758.32 14,402,752.14
34 $ 268,280 $ 841,139.73 13,561,612.41
35 $ 252,612 $ 856,807.65 12,704,804.76
36 $ 236,653 $ 872,767.42 11,832,037.34
37 $ 220,396 $ 889,024.47 10,943,012.87
38 $ 203,836 $ 905,584.34 10,037,428.53
39 $ 186,967 $ 922,452.67 9,114,975.85
40 $ 169,785 $ 939,635.21 8,175,340.64
41 $ 152,282 $ 957,137.81 7,218,202.83
42 $ 134,454 $ 974,966.43 6,243,236.40
43 $ 116,293 $ 993,127.15 5,250,109.25
44 $ 97,794 $ 1,011,626.14 4,238,483.11
45 $ 78,950 $ 1,030,469.71 3,208,013.40
46 $ 59,756 $ 1,049,664.29 2,158,349.11
47 $ 40,204 $ 1,069,216.40 1,089,132.71
48 $ 20,287 $ 1,089,132.71 - 0.00
COSTO AMORTIZADO 0 COSTO AMORTIZADO DEL SEGURO
1 $ 158,346
2 $ 157,422
3 $ 156,434
4 $ 155,379
5 $ 154,256
6 $ 153,062
7 $ 151,796
8 $ 150,455
9 $ 149,038
10 $ 147,542
11 $ 145,966
12 $ 144,307
13 $ 142,563
14 $ 140,732
15 $ 138,812
16 $ 136,800
17 $ 134,693
18 $ 132,490
19 $ 130,188
20 $ 127,784
21 $ 125,276
22 $ 122,661
23 $ 119,936
24 $ 117,098
25 $ 114,145
26 $ 111,074
27 $ 107,881
28 $ 104,564
29 $ 101,119
30 $ 97,544
31 $ 93,835
32 $ 89,988
33 $ 86,001
34 $ 81,870
35 $ 77,591
36 $ 73,161
37 $ 68,576
38 $ 63,831
39 $ 58,925
40 $ 53,851
41 $ 48,607
42 $ 43,189
43 $ 37,591
44 $ 31,810
45 $ 25,842
46 $ 19,681
47 $ 13,324
48 $ 6,765