Ejercicio Parcial 2 Hoy

Deuda
Ejercicio de Clase 1 Tasa Constante Plazo (meses)

(27-feb-23) i (E.M)
Cuota
Periodo Cuota Intereses, I Abono Capital, k

0 0.00 $ -
1 $ 889,777.91 $ 400,000.00 $ 489,777.91
2 $ 889,777.91 $ 395,102.22 $ 494,675.69
3 $ 889,777.91 $ 390,155.46 $ 499,622.44
4 $ 889,777.91 $ 385,159.24 $ 504,618.67
5 $ 889,777.91 $ 380,113.05 $ 509,664.85
6 $ 889,777.91 $ 375,016.40 $ 514,761.50
7 $ 889,777.91 $ 369,868.79 $ 519,909.12
8 $ 889,777.91 $ 364,669.70 $ 525,108.21
9 $ 889,777.91 $ 359,418.62 $ 530,359.29
10 $ 889,777.91 $ 354,115.02 $ 535,662.88
11 $ 889,777.91 $ 348,758.39 $ 541,019.51
12 $ 889,777.91 $ 343,348.20 $ 546,429.71
13 $ 889,777.91 $ 337,883.90 $ 551,894.01
14 $ 889,777.91 $ 332,364.96 $ 557,412.95
15 $ 889,777.91 $ 326,790.83 $ 562,987.07
16 $ 889,777.91 $ 321,160.96 $ 568,616.95
17 $ 889,777.91 $ 315,474.79 $ 574,303.11
18 $ 889,777.91 $ 309,731.76 $ 580,046.15
19 $ 889,777.91 $ 303,931.30 $ 585,846.61
20 $ 889,777.91 $ 298,072.83 $ 591,705.07
21 $ 889,777.91 $ 292,155.78 $ 597,622.12
22 $ 889,777.91 $ 286,179.56 $ 603,598.35
23 $ 889,777.91 $ 280,143.58 $ 609,634.33
24 $ 889,777.91 $ 274,047.24 $ 615,730.67
25 $ 889,777.91 $ 267,889.93 $ 621,887.98
26 $ 889,777.91 $ 261,671.05 $ 628,106.86
27 $ 889,777.91 $ 255,389.98 $ 634,387.93
28 $ 889,777.91 $ 249,046.10 $ 640,731.81
29 $ 889,777.91 $ 242,638.78 $ 647,139.12
30 $ 889,777.91 $ 236,167.39 $ 653,610.52
31 $ 889,777.91 $ 229,631.29 $ 660,146.62
32 $ 889,777.91 $ 223,029.82 $ 666,748.09
33 $ 889,777.91 $ 216,362.34 $ 673,415.57
34 $ 889,777.91 $ 209,628.18 $ 680,149.72
35 $ 889,777.91 $ 202,826.69 $ 686,951.22
36 $ 889,777.91 $ 195,957.17 $ 693,820.73
37 $ 889,777.91 $ 189,018.97 $ 700,758.94
38 $ 889,777.91 $ 182,011.38 $ 707,766.53
39 $ 889,777.91 $ 174,933.71 $ 714,844.20
40 $ 889,777.91 $ 167,785.27 $ 721,992.64
41 $ 889,777.91 $ 160,565.34 $ 729,212.56
42 $ 889,777.91 $ 153,273.22 $ 736,504.69
43 $ 889,777.91 $ 145,908.17 $ 743,869.74
44 $ 889,777.91 $ 138,469.47 $ 751,308.43
45 $ 889,777.91 $ 130,956.39 $ 758,821.52
46 $ 889,777.91 $ 123,368.17 $ 766,409.73
47 $ 889,777.91 $ 115,704.08 $ 774,073.83
48 $ 889,777.91 $ 107,963.34 $ 781,814.57
49 $ 889,777.91 $ 100,145.19 $ 789,632.71
50 $ 889,777.91 $ 92,248.87 $ 797,529.04
51 $ 889,777.91 $ 84,273.58 $ 805,504.33
52 $ 889,777.91 $ 76,218.53 $ 813,559.38
53 $ 889,777.91 $ 68,082.94 $ 821,694.97
54 $ 889,777.91 $ 59,865.99 $ 829,911.92
55 $ 889,777.91 $ 51,566.87 $ 838,211.04
56 $ 889,777.91 $ 43,184.76 $ 846,593.15
57 $ 889,777.91 $ 34,718.83 $ 855,059.08
58 $ 889,777.91 $ 26,168.24 $ 863,609.67
59 $ 889,777.91 $ 17,532.14 $ 872,245.77
60 $ 889,777.91 $ 8,809.68 $ 880,968.23
Total $ 40,000,000.00
$40,000,000
60
1.0%
$889,777.91
Saldo Pendiente
$
$
40,000,000.00
39,510,222.09 Cambio de sa
$ 39,015,546.41
$ 38,515,923.96 $45,000,000.00
$ 38,011,305.30
$ 37,501,640.44
$ 36,986,878.94 $40,000,000.00
$ 36,466,969.82
$ 35,941,861.61
$35,000,000.00
$ 35,411,502.32
$ 34,875,839.43
$ 34,334,819.92
$30,000,000.00
$ 33,788,390.21
$ 33,236,496.21
$ 32,679,083.26
$25,000,000.00
$ 32,116,096.19
$ 31,547,479.24
$ 30,973,176.13 $20,000,000.00
$ 30,393,129.98
$ 29,807,283.37
$ 29,215,578.30 $15,000,000.00
$ 28,617,956.18
$ 28,014,357.83
$ 27,404,723.50 $10,000,000.00
$ 26,788,992.83
$ 26,167,104.85
$ 25,538,997.99 $5,000,000.00
$ 24,904,610.06
$ 24,263,878.26
$-
$ 23,616,739.13 0 10 20 30
$ 22,963,128.62
$ 22,302,981.99 Saldo Pendiente
$ 21,636,233.91
$ 20,962,818.34
$ 20,282,668.61
$ 19,595,717.39
$ 18,901,896.66
$ 18,201,137.72
$ 17,493,371.19
$ 16,778,526.99
$ 16,056,534.36
$ 15,327,321.79
$ 14,590,817.10
$ 13,846,947.37
$ 13,095,638.93
$ 12,336,817.41
$ 11,570,407.68
$ 10,796,333.85
$ 10,014,519.28
$ 9,224,886.57
$ 8,427,357.53
$ 7,621,853.19
$ 6,808,293.82
$ 5,986,598.85
$ 5,156,686.93
$ 4,318,475.89
$ 3,471,882.74
$ 2,616,823.66
$ 1,753,213.99
$ 880,968.23
$ 0.00
Cambio de saldo en el tiempo
1000000.00
900000.00
800000.00
700000.00
600000.00
500000.00
400000.00
300000.00
200000.00
100000.00
0.00
20 30 40 50 60 70
Saldo Pendiente Intereses, I Abono Capital, k

1000000.00
900000.00
800000.00
700000.00
600000.00
500000.00
400000.00
300000.00
200000.00
100000.00
0.00
0 70
Deuda
(27-feb-23) i (E.M)
Con tiempo de gracia de 13 meses Cuota

0 $ - 0.00 $0
1 $ - $ 400,000.00 -$400,000
2 $ - $ 404,000.00 -$404,000
3 $ - $ 408,040.00 -$408,040
4 $ - $ 412,120.40 -$412,120
5 $ - $ 416,241.60 -$416,242
6 $ - $ 420,404.02 -$420,404
7 $ - $ 424,608.06 -$424,608
8 $ - $ 428,854.14 -$428,854
9 $ - $ 433,142.68 -$433,143
10 $ - $ 437,474.11 -$437,474
11 $ - $ 441,848.85 -$441,849
12 $ - $ 446,267.34 -$446,267
13 $ 1,186,945.00 $ 450,730.01 $736,215
14 $ 1,186,945.00 $ 443,367.86 $743,577
15 $ 1,186,945.00 $ 435,932.09 $751,013
16 $ 1,186,945.00 $ 428,421.96 $758,523
17 $ 1,186,945.00 $ 420,836.73 $766,108
18 $ 1,186,945.00 $ 413,175.65 $773,769
19 $ 1,186,945.00 $ 405,437.96 $781,507
20 $ 1,186,945.00 $ 397,622.88 $789,322
21 $ 1,186,945.00 $ 389,729.66 $797,215
22 $ 1,186,945.00 $ 381,757.51 $805,187
23 $ 1,186,945.00 $ 373,705.64 $813,239
24 $ 1,186,945.00 $ 365,573.24 $821,372
25 $ 1,186,945.00 $ 357,359.52 $829,585
26 $ 1,186,945.00 $ 349,063.67 $837,881
27 $ 1,186,945.00 $ 340,684.86 $846,260
28 $ 1,186,945.00 $ 332,222.26 $854,723
29 $ 1,186,945.00 $ 323,675.03 $863,270
30 $ 1,186,945.00 $ 315,042.33 $871,903
31 $ 1,186,945.00 $ 306,323.30 $880,622
32 $ 1,186,945.00 $ 297,517.08 $889,428
33 $ 1,186,945.00 $ 288,622.81 $898,322
34 $ 1,186,945.00 $ 279,639.58 $907,305
35 $ 1,186,945.00 $ 270,566.53 $916,378
36 $ 1,186,945.00 $ 261,402.74 $925,542
37 $ 1,186,945.00 $ 252,147.32 $934,798
38 $ 1,186,945.00 $ 242,799.35 $944,146
39 $ 1,186,945.00 $ 233,357.89 $953,587
40 $ 1,186,945.00 $ 223,822.02 $963,123
41 $ 1,186,945.00 $ 214,190.79 $972,754
42 $ 1,186,945.00 $ 204,463.25 $982,482
43 $ 1,186,945.00 $ 194,638.43 $992,307
44 $ 1,186,945.00 $ 184,715.36 $1,002,230
45 $ 1,186,945.00 $ 174,693.07 $1,012,252
46 $ 1,186,945.00 $ 164,570.55 $1,022,374
47 $ 1,186,945.00 $ 154,346.80 $1,032,598
48 $ 1,186,945.00 $ 144,020.82 $1,042,924
49 $ 1,186,945.00 $ 133,591.58 $1,053,353
50 $ 1,186,945.00 $ 123,058.04 $1,063,887
51 $ 1,186,945.00 $ 112,419.18 $1,074,526
52 $ 1,186,945.00 $ 101,673.92 $1,085,271
53 $ 1,186,945.00 $ 90,821.21 $1,096,124
54 $ 1,186,945.00 $ 79,859.97 $1,107,085
55 $ 1,186,945.00 $ 68,789.12 $1,118,156
56 $ 1,186,945.00 $ 57,607.56 $1,129,337
57 $ 1,186,945.00 $ 46,314.18 $1,140,631
58 $ 1,186,945.00 $ 34,907.88 $1,152,037
59 $ 1,186,945.00 $ 23,387.51 $1,163,557
60 $ 1,186,945.00 $ 11,751.93 $1,175,193
Total $40,000,000
$40,000,000
48
1.0%
$1,186,945.00
Saldo Pendiente
$
$
40,000,000.00
40,400,000.00 Cambio de sal
$ 40,804,000.00
$ 41,212,040.00 $50,000,000.00
$ 41,624,160.40
$ 42,040,402.00
$45,000,000.00
$ 42,460,806.02
$ 42,885,414.08
$ 43,314,268.23 $40,000,000.00
$ 43,747,410.91
$ 44,184,885.02
$35,000,000.00
$ 44,626,733.87
$ 45,073,001.21
$ 44,336,786.22 $30,000,000.00
$ 43,593,209.09
$ 42,842,196.18
$ 42,083,673.15 $25,000,000.00
$ 41,317,564.88
$ 40,543,795.54
$20,000,000.00
$ 39,762,288.49
$ 38,972,966.38
$ 38,175,751.05 $15,000,000.00
$ 37,370,563.57
$ 36,557,324.21
$10,000,000.00
$ 35,735,952.45
$ 34,906,366.98
$ 34,068,485.65 $5,000,000.00
$ 33,222,225.51
$ 32,367,502.77
$-
$ 31,504,232.80 0 10 20
$ 30,632,330.14
$ 28,862,280.53
$ 27,963,958.34
$
$
27,056,652.93
26,140,274.46 Cambio de saldo en
$50,000,000.00
Cambio de saldo en
$ 25,214,732.21
$ 24,279,934.53 $50,000,000.00
$ 23,335,788.88
$ 22,382,201.77
$45,000,000.00
$ 21,419,078.80
$ 20,446,324.59
$ 19,463,842.84 $40,000,000.00
$ 18,471,536.27
$ 17,469,306.64
$35,000,000.00
$ 16,457,054.71
$ 15,434,680.26
$ 14,402,082.06 $30,000,000.00
$ 13,359,157.89
$ 12,305,804.47
$ 11,241,917.52 $25,000,000.00
$ 10,167,391.70
$ 9,082,120.62 $20,000,000.00
$ 7,985,996.83
$ 6,878,911.80
$ 5,760,755.92 $15,000,000.00
$ 4,631,418.49
$ 3,490,787.68
$10,000,000.00
$ 2,338,750.56
$ 1,175,193.07
$ 0.00 $5,000,000.00
$-
0 5 10 15 20 25
Saldo Pendiente Saldo Pendiente Interes

mbio de saldo en el tiempo
1400000.00
1200000.00
1000000.00
800000.00
600000.00
400000.00
200000.00
0.00
-200000.00
-400000.00
-600000.00
20 30 40 50 60
e saldo en el tiempo (Ej. 1 vs Ej. 2)

1400000.00
1400000.00
1200000.00
1000000.00
800000.00
600000.00
400000.00
200000.00
0.00
-200000.00
-400000.00
-600000.00
20 25 30 35 40 45 50 55 60
o Pendiente Intereses, I Abono Capital, k Intereses, I Abono Capital, k

1400000.00
1200000.00
1000000.00
800000.00
600000.00
400000.00
200000.00
0.00
-200000.00
-400000.00
-600000.00
60
1400000.00
1400000.00
1200000.00
1000000.00
800000.00
600000.00
400000.00
200000.00
0.00
-200000.00
-400000.00
-600000.00
60
CUOTAS FIJAS Y PAGOS EXTRA PROGRAMADO
Deuda
(27-feb-23) i (E.M)
Cuota
Pago extra
Pago extra
Nueva Deuda

0
1 $802,183.04 $ 400,000.0 $402,183.04
2 $802,183.04 $ 395,978.2 $406,204.87
3 $802,183.04 $ 391,916.1 $410,266.92
4 $802,183.04 $ 387,813.5 $414,369.59
5 $802,183.04 $ 383,669.8 $418,513.28
6 $802,183.04 $ 379,484.6 $422,698.42
7 $802,183.04 $ 375,257.6 $426,925.40
8 $802,183.04 $ 370,988.4 $431,194.65
9 $802,183.04 $ 366,676.4 $435,506.60
10 $802,183.04 $ 362,321.4 $439,861.67
11 $802,183.04 $ 357,922.8 $444,260.28
12 $802,183.04 $ 353,480.2 $448,702.89
13 $802,183.04 $ 348,993.1 $453,189.92
14 $802,183.04 $ 344,461.2 $457,721.82
15 $802,183.04 $ 339,884.0 $462,299.03
16 $802,183.04 $ 335,261.0 $466,922.02
17 $802,183.04 $ 330,591.8 $471,591.24
18 $802,183.04 $ 325,875.9 $476,307.16
19 $802,183.04 $ 321,112.8 $481,070.23
20 $802,183.04 $ 316,302.1 $485,880.93
21 $802,183.04 $ 311,443.3 $490,739.74
22 $802,183.04 $ 306,535.9 $495,647.14
23 $802,183.04 $ 301,579.4 $500,603.61
24 $5,802,183.04 $ 296,573.4 $5,505,609.64
25 $802,183.04 $ 241,517.3 $560,665.74
26 $802,183.04 $ 235,910.6 $566,272.40
27 $802,183.04 $ 230,247.9 $571,935.12
28 $802,183.04 $ 224,528.6 $577,654.47
29 $802,183.04 $ 218,752.0 $583,431.02
30 $802,183.04 $ 212,917.7 $589,265.33
31 $802,183.04 $ 207,025.1 $595,157.98
32 $802,183.04 $ 201,073.5 $601,109.56
33 $802,183.04 $ 195,062.4 $607,120.66
34 $802,183.04 $ 188,991.2 $613,191.86
35 $802,183.04 $ 182,859.3 $619,323.78
36 $802,183.04 $ 176,666.0 $625,517.02
37 $802,183.04 $ 170,410.8 $631,772.19
38 $802,183.04 $ 164,093.1 $638,089.91
39 $802,183.04 $ 157,712.2 $644,470.81
40 $802,183.04 $ 151,267.5 $650,915.52
41 $802,183.04 $ 144,758.4 $657,424.67
42 $802,183.04 $ 138,184.1 $663,998.92
43 $802,183.04 $ 131,544.1 $670,638.91
44 $802,183.04 $ 124,837.7 $677,345.30
45 $802,183.04 $ 118,064.3 $684,118.75
46 $802,183.04 $ 111,223.1 $690,959.94
47 $802,183.04 $ 104,313.5 $697,869.54
48 $802,183.04 $ 97,334.8 $704,848.23
49 $802,183.04 $ 90,286.3 $711,896.72
50 $802,183.04 $ 83,167.4 $719,015.68
51 $802,183.04 $ 75,977.2 $726,205.84
52 $802,183.04 $ 68,715.1 $733,467.90
53 $802,183.04 $ 61,380.5 $740,802.58
54 $802,183.04 $ 53,972.4 $748,210.60
55 $802,183.04 $ 46,490.3 $755,692.71
56 $802,183.04 $ 38,933.4 $763,249.64
57 $802,183.04 $ 31,300.9 $770,882.13
58 $802,183.04 $ 23,592.1 $778,590.96
59 $802,183.04 $ 15,806.2 $786,376.86
60 $802,183.04 $ 7,942.4 $794,240.63
Total
$40,000,000
60
1.0%
$802,183.04
$5,000,000.00 Mes 24
$3,937,830.64 Mes 0
$36,062,169.36
Saldo Pendiente
$40,000,000
$39,597,817 Cambio de sal
$39,191,612
$38,781,345 $45,000,000
$38,366,976
$37,948,462
$37,525,764 $40,000,000
$37,098,838
$36,667,644
$35,000,000
$36,232,137
$35,792,276
$35,348,015
$30,000,000
$34,899,312
$34,446,122
$33,988,401 $25,000,000
$33,526,102
$33,059,180
$32,587,588 $20,000,000
$32,111,281
$31,630,211
$31,144,330 $15,000,000
$30,653,590
$30,157,943
$29,657,340 $10,000,000
$24,151,730
$23,591,064
$23,024,792 $5,000,000
$22,452,857
$21,875,202
$0
$21,291,771 0 10 20
$20,702,506
$20,107,348 Saldo Pendiente
$19,506,238
Cambio de saldo en
$18,899,118
$18,285,926
$17,666,602 Cambio de saldo en
$17,041,085
$16,409,313 $45,000,000
$15,771,223
$15,126,752
$40,000,000
$14,475,837
$13,818,412
$13,154,413
$35,000,000
$12,483,774
$11,806,429
$11,122,310
$30,000,000
$10,431,350
$9,733,480
$9,028,632 $25,000,000
$8,316,736
$7,597,720
$6,871,514 $20,000,000
$6,138,046
$5,397,244
$4,649,033 $15,000,000
$3,893,340
$3,130,091
$2,359,208 $10,000,000
$1,580,617
$794,241
$5,000,000
$0
$0
0 5 10 15 20 25

6000000
5000000
4000000
3000000
2000000
1000000
0
20 30 40 50 60

6000000
5000000
4000000
3000000
2000000
1000000
0
20 25 30 35 40 45 50 55 60

6000000
5000000
4000000
3000000
2000000
1000000
0
60
6000000
5000000
4000000
3000000
2000000
1000000
0
5 60
CUOTAS VARIABLES Y PAGOS EXTRA PROGRAMADO
Deuda
(27-feb-23) i (E.M)
Cuota
Pago extra
Pago extra
Nueva Deuda

0
1 $817,601.76 $ 400,000.0 $417,601.76
2 $817,601.76 $ 395,824.0 $421,777.78
3 $817,601.76 $ 391,606.2 $425,995.55
4 $817,601.76 $ 387,346.2 $430,255.51
5 $817,601.76 $ 383,043.7 $434,558.07
6 $817,601.76 $ 378,698.1 $438,903.65
7 $817,601.76 $ 374,309.1 $443,292.68
8 $817,601.76 $ 369,876.2 $447,725.61
9 $817,601.76 $ 365,398.9 $452,202.87
10 $817,601.76 $ 360,876.9 $456,724.89
11 $817,601.76 $ 356,309.6 $461,292.14
12 $817,601.76 $ 351,696.7 $465,905.06
13 $817,601.76 $ 347,037.6 $470,564.11
14 $817,601.76 $ 342,332.0 $475,269.76
15 $817,601.76 $ 337,579.3 $480,022.45
16 $817,601.76 $ 332,779.1 $484,822.68
17 $817,601.76 $ 327,930.9 $489,670.90
18 $817,601.76 $ 323,034.1 $494,567.61
19 $817,601.76 $ 318,088.5 $499,513.29
20 $817,601.76 $ 313,093.3 $504,508.42
21 $817,601.76 $ 308,048.3 $509,553.51
22 $817,601.76 $ 302,952.7 $514,649.04
23 $817,601.76 $ 297,806.2 $519,795.53
24 $5,817,601.76 $ 292,608.3 $5,524,993.49
25 $817,601.76 $ 237,358.3 $580,243.42
26 $817,601.76 $ 231,555.9 $586,045.86
27 $817,601.76 $ 225,695.4 $591,906.32
28 $817,601.76 $ 219,776.4 $597,825.38
29 $817,601.76 $ 213,798.1 $603,803.63
30 $817,601.76 $ 207,760.1 $609,841.67
31 $817,601.76 $ 201,661.7 $615,940.09
32 $817,601.76 $ 195,502.3 $622,099.49
33 $817,601.76 $ 189,281.3 $628,320.48
34 $817,601.76 $ 182,998.1 $634,603.69
35 $817,601.76 $ 176,652.0 $640,949.72
36 $817,601.76 $ 170,242.5 $647,359.22
37 $817,601.76 $ 245,653.4 $571,948.34
38 $817,601.76 $ 237,074.2 $580,527.56
39 $817,601.76 $ 228,366.3 $589,235.48
40 $817,601.76 $ 219,527.7 $598,074.01
41 $817,601.76 $ 210,556.6 $607,045.12
42 $817,601.76 $ 201,451.0 $616,150.80
43 $817,601.76 $ 192,208.7 $625,393.06
44 $817,601.76 $ 182,827.8 $634,773.95
45 $817,601.76 $ 173,306.2 $644,295.56
46 $817,601.76 $ 163,641.8 $653,960.00
47 $817,601.76 $ 153,832.4 $663,769.40
48 $817,601.76 $ 143,875.8 $673,725.94
49 $817,601.76 $ 133,769.9 $683,831.83
50 $817,601.76 $ 123,512.5 $694,089.30
51 $817,601.76 $ 113,101.1 $704,500.64
52 $817,601.76 $ 102,533.6 $715,068.15
53 $817,601.76 $ 91,807.6 $725,794.18
54 $817,601.76 $ 80,920.7 $736,681.09
55 $817,601.76 $ 69,870.5 $747,731.31
56 $817,601.76 $ 58,654.5 $758,947.28
57 $817,601.76 $ 47,270.3 $770,331.48
58 $817,601.76 $ 35,715.3 $781,886.46
59 $817,601.76 $ 23,987.0 $793,614.75
60 $817,601.76 $ 12,082.8 $805,518.97
Total
$40,000,000 A partir del mes 37 cambia la tasa de interes
60 Tasa nueva 1.50%
1.0%
$802,183.04 Se hace asi: Datos-Analisis de hipotesis-buscar objetivo: Saldo 60-0
$5,000,000.00 Mes 24
$3,937,830.64 Mes 0
$36,062,169.36
Saldo Pendiente
$40,000,000
$39,160,620
$38,734,625 $45,000,000
$38,304,369
$37,869,811
$40,000,000
$37,430,908
$36,987,615
$36,539,889 $35,000,000
$36,087,687
$35,630,962
$35,169,669 $30,000,000
$34,703,764
$34,233,200
$25,000,000
$33,757,931
$33,277,908
$32,793,085 $20,000,000
$32,303,415
$31,808,847
$15,000,000
$31,309,334
$30,804,825
$30,295,272 $10,000,000
$29,780,623
$29,260,827
$23,735,834 $5,000,000
$23,155,590
$22,569,544
$0
$21,977,638 0 10 20
$21,379,813
$20,776,009 -$5,000,000
$20,166,167
$18,928,128
Cambio de saldo en
$18,299,807
$17,665,204
$16,376,895
$15,804,946 $45,000,000
$15,224,419
$14,635,183
$40,000,000
$14,037,109
$13,430,064
$12,813,913 $35,000,000
$12,188,520
$11,553,746
$30,000,000
$10,909,451
$10,255,491
$9,591,721 $25,000,000
$8,917,995
$8,234,164
$7,540,074 $20,000,000
$6,835,574
$6,120,506
$15,000,000
$5,394,711
$4,658,030
$3,910,299 $10,000,000
$3,151,352
$2,381,020
$1,599,134 $5,000,000
$805,519
$0 $0
0 5 10 15 20 25
-$5,000,000

scar objetivo: Saldo 60-0-Cambiar la cuota 1

6000000
5000000
4000000
3000000
2000000
1000000
20 30 40 50 60

6000000
5000000
4000000
3000000
2000000
1000000
20 25 30 35 40 45 50 55 60

6000000
5000000
4000000
3000000
2000000
1000000
60
0
6000000
5000000
4000000
3000000
2000000
1000000
5 60
0
CUOTAS VARIABLES Y PAGOS EXTRA NO PROGRAMADO: CON EL MISMO TIEMPO PERO LA CUOTA SE REDU
Deuda
(27-feb-23) i (E.M)
Cuota
Pago extra

0
1 $906,880.28 $ 400,000.0 $506,880.28
2 $906,880.28 $ 394,931.2 $511,949.09
3 $906,880.28 $ 389,811.7 $517,068.58
4 $906,880.28 $ 384,641.0 $522,239.26
5 $906,880.28 $ 379,418.6 $527,461.66
6 $906,880.28 $ 374,144.0 $532,736.27
7 $906,880.28 $ 368,816.6 $538,063.63
8 $906,880.28 $ 363,436.0 $543,444.27
9 $906,880.28 $ 358,001.6 $548,878.71
10 $906,880.28 $ 352,512.8 $554,367.50
11 $906,880.28 $ 346,969.1 $559,911.18
12 $906,880.28 $ 341,370.0 $565,510.29
13 $906,880.28 $ 335,714.9 $571,165.39
14 $906,880.28 $ 330,003.2 $576,877.04
15 $906,880.28 $ 324,234.5 $582,645.81
16 $906,880.28 $ 318,408.0 $588,472.27
17 $906,880.28 $ 312,523.3 $594,357.00
18 $906,880.28 $ 306,579.7 $600,300.57
19 $906,880.28 $ 300,576.7 $606,303.57
20 $906,880.28 $ 294,513.7 $612,366.61
21 $906,880.28 $ 288,390.0 $618,490.27
22 $906,880.28 $ 282,205.1 $624,675.18
23 $906,880.28 $ 275,958.4 $630,921.93
24 $5,906,880.28 $ 269,649.1 $5,637,231.15
25 $734,650.87 $ 213,276.8 $521,374.04
26 $734,650.87 $ 208,063.1 $526,587.78
27 $734,650.87 $ 202,797.2 $531,853.66
28 $734,650.87 $ 197,478.7 $537,172.20
29 $734,650.87 $ 192,106.9 $542,543.92
30 $734,650.87 $ 186,681.5 $547,969.36
31 $734,650.87 $ 181,201.8 $553,449.05
32 $734,650.87 $ 175,667.3 $558,983.54
33 $734,650.87 $ 170,077.5 $564,573.38
34 $734,650.87 $ 164,431.8 $570,219.11
35 $734,650.87 $ 158,729.6 $575,921.30
36 $734,650.87 $ 152,970.4 $581,680.51
37 $734,650.87 $ 220,730.3 $513,920.55
38 $734,650.87 $ 213,021.5 $521,629.35
39 $734,650.87 $ 205,197.1 $529,453.79
40 $734,650.87 $ 197,255.3 $537,395.60
41 $734,650.87 $ 189,194.3 $545,456.54
42 $734,650.87 $ 181,012.5 $553,638.38
43 $734,650.87 $ 172,707.9 $561,942.96
44 $734,650.87 $ 164,278.8 $570,372.10
45 $734,650.87 $ 155,723.2 $578,927.69
46 $734,650.87 $ 147,039.3 $587,611.60
47 $734,650.87 $ 138,225.1 $596,425.77
48 $734,650.87 $ 129,278.7 $605,372.16
49 $734,650.87 $ 120,198.1 $614,452.74
50 $734,650.87 $ 110,981.3 $623,669.53
51 $734,650.87 $ 101,626.3 $633,024.58
52 $734,650.87 $ 92,130.9 $642,519.95
53 $734,650.87 $ 82,493.1 $652,157.75
54 $734,650.87 $ 72,710.8 $661,940.11
55 $734,650.87 $ 62,781.7 $671,869.21
56 $734,650.87 $ 52,703.6 $681,947.25
57 $734,650.87 $ 42,474.4 $692,176.46
58 $734,650.87 $ 32,091.8 $702,559.11
59 $734,650.87 $ 21,553.4 $713,097.49
60 $734,650.87 $ 10,856.9 $723,793.96
Total
MPO PERO LA CUOTA SE REDUCE
60 Tasa nueva 1.50%
1.0%
Se hace asi: Datos-Analisis de hipotesis-buscar objetivo: Saldo 60-0
$5,000,000.00
Saldo Pendiente
$40,000,000
$38,981,171
$38,464,102 $45,000,000
$37,941,863
$37,414,401
$36,881,665 $40,000,000
$36,343,601
$35,800,157
$35,000,000
$35,251,278
$34,696,911
$34,137,000
$30,000,000
$33,571,489
$33,000,324
$32,423,447 $25,000,000
$31,840,801
$31,252,329
$30,657,972 $20,000,000
$30,057,671
$29,451,368
$28,839,001 $15,000,000
$28,220,511
$27,595,836
$26,964,914 $10,000,000
$21,327,682
$20,806,308
$20,279,721 $5,000,000
$19,747,867
$19,210,695
$0
$18,668,151 0 10 20
$18,120,182
$17,007,749
$16,443,176
$15,872,956
Cambio de saldo en
$45,000,000
$14,715,355
$14,201,434 $45,000,000
$13,679,805
$13,150,351
$40,000,000
$12,612,955
$12,067,499
$11,513,860
$35,000,000
$10,951,917
$10,381,545
$9,802,618
$30,000,000
$9,215,006
$8,618,580
$8,013,208 $25,000,000
$7,398,755
$6,775,086
$6,142,061 $20,000,000
$5,499,541
$4,847,384
$4,185,443 $15,000,000
$3,513,574
$2,831,627
$2,139,451 $10,000,000
$1,436,891
$723,794
$5,000,000
$0
$0
0 5 10 15 20 25


6000000
5000000
4000000
3000000
2000000
1000000
0
20 30 40 50 60

6000000
6000000
5000000
4000000
3000000
2000000
1000000
0
20 25 30 35 40 45 50 55 60

6000000
5000000
4000000
3000000
2000000
1000000
0
60
6000000
6000000
5000000
4000000
3000000
2000000
1000000
0
5 60
CUOTAS VARIABLES Y PAGOS EXTRA NO PROGRAMADO: CON LA MISMA CUOTA PERO EL TIEMPO SE REDU
Deuda
(27-feb-23) i (E.M)
Cuota
Pago extra

0
1 $906,880.28 $ 400,000.0 $506,880.28
2 $906,880.28 $ 394,931.2 $511,949.09
3 $906,880.28 $ 389,811.7 $517,068.58
4 $906,880.28 $ 384,641.0 $522,239.26
5 $906,880.28 $ 379,418.6 $527,461.66
6 $906,880.28 $ 374,144.0 $532,736.27
7 $906,880.28 $ 368,816.6 $538,063.63
8 $906,880.28 $ 363,436.0 $543,444.27
9 $906,880.28 $ 358,001.6 $548,878.71
10 $906,880.28 $ 352,512.8 $554,367.50
11 $906,880.28 $ 346,969.1 $559,911.18
12 $906,880.28 $ 341,370.0 $565,510.29
13 $906,880.28 $ 335,714.9 $571,165.39
14 $906,880.28 $ 330,003.2 $576,877.04
15 $906,880.28 $ 324,234.5 $582,645.81
16 $906,880.28 $ 318,408.0 $588,472.27
17 $906,880.28 $ 312,523.3 $594,357.00
18 $906,880.28 $ 306,579.7 $600,300.57
19 $906,880.28 $ 300,576.7 $606,303.57
20 $906,880.28 $ 294,513.7 $612,366.61
21 $906,880.28 $ 288,390.0 $618,490.27
22 $906,880.28 $ 282,205.1 $624,675.18
23 $906,880.28 $ 275,958.4 $630,921.93
24 $5,906,880.28 $ 269,649.1 $5,637,231.15
25 $906,880.28 $ 213,276.8 $693,603.46
26 $906,880.28 $ 206,340.8 $700,539.49
27 $906,880.28 $ 199,335.4 $707,544.89
28 $906,880.28 $ 192,259.9 $714,620.34
29 $906,880.28 $ 185,113.7 $721,766.54
30 $906,880.28 $ 177,896.1 $728,984.21
31 $906,880.28 $ 170,606.2 $736,274.05
32 $906,880.28 $ 163,243.5 $743,636.79
33 $906,880.28 $ 155,807.1 $751,073.16
34 $906,880.28 $ 148,296.4 $758,583.89
35 $906,880.28 $ 140,710.6 $766,169.73
36 $906,880.28 $ 133,048.9 $773,831.42
37 $906,880.28 $ 187,965.8 $718,914.47
38 $906,880.28 $ 177,182.1 $729,698.18
39 $906,880.28 $ 166,236.6 $740,643.65
40 $906,880.28 $ 155,127.0 $751,753.31
41 $906,880.28 $ 143,850.7 $763,029.61
42 $906,880.28 $ 132,405.2 $774,475.05
43 $906,880.28 $ 120,788.1 $786,092.18
44 $906,880.28 $ 108,996.7 $797,883.56
45 $906,880.28 $ 97,028.5 $809,851.82
46 $906,880.28 $ 84,880.7 $821,999.59
47 $906,880.28 $ 72,550.7 $834,329.59
48 $906,880.28 $ 60,035.8 $846,844.53
49 $906,880.28 $ 47,333.1 $859,547.20
50 $906,880.28 $ 34,439.9 $872,440.41
51 $906,880.28 $ 21,353.3 $885,527.01
52 $546,094.75 $ 8,070.4 $538,024.38
Total
OTA PERO EL TIEMPO SE REDUCE
60 Tasa nueva 1.50%
1.0%
Se hace asi: Datos-Analisis de hipotesis-buscar objetivo: Saldo 60-0
$5,000,000.00
Saldo Pendiente
$40,000,000
$38,981,171
$38,464,102 $45,000,000
$37,941,863
$37,414,401
$36,881,665 $40,000,000
$36,343,601
$35,800,157
$35,000,000
$35,251,278
$34,696,911
$34,137,000
$30,000,000
$33,571,489
$33,000,324
$32,423,447 $25,000,000
$31,840,801
$31,252,329
$30,657,972 $20,000,000
$30,057,671
$29,451,368
$28,839,001 $15,000,000
$28,220,511
$27,595,836
$26,964,914 $10,000,000
$21,327,682
$20,634,079
$19,933,540 $5,000,000
$19,225,995
$18,511,374
$0
$17,789,608 0 10 20
$17,060,624
$15,580,713
$14,829,640
$14,071,056
Cambio de saldo en
$45,000,000
$12,531,055
$11,812,140 $45,000,000
$11,082,442
$10,341,798
$40,000,000
$9,590,045
$8,827,015
$8,052,540
$35,000,000
$7,266,448
$6,468,565
$5,658,713
$30,000,000
$4,836,713
$4,002,384
$3,155,539 $25,000,000
$2,295,992
$1,423,551
$538,024 $20,000,000
$0
$15,000,000
$10,000,000
$5,000,000
$0
0 5 10 15 20 25


6000000
5000000
4000000
3000000
2000000
1000000
0
20 30 40 50 60

6000000
6000000
5000000
4000000
3000000
2000000
1000000
0
20 25 30 35 40 45 50 55 60

6000000
5000000
4000000
3000000
2000000
1000000
0
60
6000000
6000000
5000000
4000000
3000000
2000000
1000000
0
5 60
Deuda
(27-feb-23) i (E.M)
Cuota

0 0.00 $ -
1 $ 889,777.91 $ 400,000.00 $ 489,777.91
2 $ 889,777.91 $ 395,102.22 $ 494,675.69
3 $ 889,777.91 $ 390,155.46 $ 499,622.44
4 $ 889,777.91 $ 385,159.24 $ 504,618.67
5 $ 889,777.91 $ 380,113.05 $ 509,664.85
6 $ 889,777.91 $ 375,016.40 $ 514,761.50
7 $ 889,777.91 $ 369,868.79 $ 519,909.12
8 $ 889,777.91 $ 364,669.70 $ 525,108.21
9 $ 889,777.91 $ 359,418.62 $ 530,359.29
10 $ 889,777.91 $ 354,115.02 $ 535,662.88
11 $ 889,777.91 $ 348,758.39 $ 541,019.51
12 $ 889,777.91 $ 343,348.20 $ 546,429.71
13 $ 889,777.91 $ 337,883.90 $ 551,894.01
14 $ 889,777.91 $ 332,364.96 $ 557,412.95
15 $ 889,777.91 $ 326,790.83 $ 562,987.07
16 $ 889,777.91 $ 321,160.96 $ 568,616.95
17 $ 889,777.91 $ 315,474.79 $ 574,303.11
18 $ 889,777.91 $ 309,731.76 $ 580,046.15
19 $ 889,777.91 $ 303,931.30 $ 585,846.61
20 $ 889,777.91 $ 298,072.83 $ 591,705.07
21 $ 889,777.91 $ 292,155.78 $ 597,622.12
22 $ 889,777.91 $ 286,179.56 $ 603,598.35
23 $ 889,777.91 $ 280,143.58 $ 609,634.33
0 24 $ 889,777.91 $ 274,047.24 $ 615,730.67
1 25 $ 595,906.35 $ 267,889.93 $ 328,016.42
2 26 $ 595,906.35 $ 264,609.76 $ 331,296.59
3 27 $ 595,906.35 $ 261,296.80 $ 334,609.55
4 28 $ 595,906.35 $ 257,950.70 $ 337,955.65
5 29 $ 595,906.35 $ 254,571.15 $ 341,335.20
6 30 $ 595,906.35 $ 251,157.79 $ 344,748.56
7 31 $ 595,906.35 $ 247,710.31 $ 348,196.04
8 32 $ 595,906.35 $ 244,228.35 $ 351,678.00
9 33 $ 595,906.35 $ 240,711.57 $ 355,194.78
10 34 $ 595,906.35 $ 237,159.62 $ 358,746.73
11 35 $ 595,906.35 $ 233,572.15 $ 362,334.20
12 36 $ 595,906.35 $ 229,948.81 $ 365,957.54
13 37 $ 595,906.35 $ 226,289.24 $ 369,617.11
14 38 $ 595,906.35 $ 222,593.06 $ 373,313.28
15 39 $ 595,906.35 $ 218,859.93 $ 377,046.42
16 40 $ 595,906.35 $ 215,089.47 $ 380,816.88
17 41 $ 595,906.35 $ 211,281.30 $ 384,625.05
18 42 $ 595,906.35 $ 207,435.05 $ 388,471.30
19 43 $ 595,906.35 $ 203,550.34 $ 392,356.01
20 44 $ 595,906.35 $ 199,626.78 $ 396,279.57
21 45 $ 595,906.35 $ 195,663.98 $ 400,242.37
22 46 $ 595,906.35 $ 191,661.56 $ 404,244.79
23 47 $ 595,906.35 $ 187,619.11 $ 408,287.24
24 48 $ 595,906.35 $ 183,536.24 $ 412,370.11
25 49 $ 595,906.35 $ 179,412.53 $ 416,493.82
26 50 $ 595,906.35 $ 175,247.60 $ 420,658.75
27 51 $ 595,906.35 $ 171,041.01 $ 424,865.34
28 52 $ 595,906.35 $ 166,792.36 $ 429,113.99
29 53 $ 595,906.35 $ 162,501.22 $ 433,405.13
30 54 $ 595,906.35 $ 158,167.16 $ 437,739.19
31 55 $ 595,906.35 $ 153,789.77 $ 442,116.58
32 56 $ 595,906.35 $ 149,368.61 $ 446,537.74
33 57 $ 595,906.35 $ 144,903.23 $ 451,003.12
34 58 $ 595,906.35 $ 140,393.20 $ 455,513.15
35 59 $ 595,906.35 $ 135,838.07 $ 460,068.28
36 60 $ 595,906.35 $ 131,237.38 $ 464,668.97
37 61 $ 595,906.35 $ 126,590.69 $ 469,315.66
38 62 $ 595,906.35 $ 121,897.54 $ 474,008.81
39 63 $ 595,906.35 $ 117,157.45 $ 478,748.90
40 64 $ 595,906.35 $ 112,369.96 $ 483,536.39
41 65 $ 595,906.35 $ 107,534.60 $ 488,371.75
42 66 $ 595,906.35 $ 102,650.88 $ 493,255.47
43 67 $ 595,906.35 $ 97,718.32 $ 498,188.03
44 68 $ 595,906.35 $ 92,736.44 $ 503,169.91
45 69 $ 595,906.35 $ 87,704.74 $ 508,201.61
46 70 $ 595,906.35 $ 82,622.73 $ 513,283.62
47 71 $ 595,906.35 $ 77,489.89 $ 518,416.46
48 72 $ 595,906.35 $ 72,305.73 $ 523,600.62
49 73 $ 595,906.35 $ 67,069.72 $ 528,836.63
50 74 $ 595,906.35 $ 61,781.36 $ 534,124.99
51 75 $ 595,906.35 $ 56,440.11 $ 539,466.24
52 76 $ 595,906.35 $ 51,045.44 $ 544,860.91
53 77 $ 595,906.35 $ 45,596.83 $ 550,309.52
54 78 $ 595,906.35 $ 40,093.74 $ 555,812.61
55 79 $ 595,906.35 $ 34,535.61 $ 561,370.74
56 80 $ 595,906.35 $ 28,921.90 $ 566,984.44
57 81 $ 595,906.35 $ 23,252.06 $ 572,654.29
58 82 $ 595,906.35 $ 17,525.52 $ 578,380.83
59 83 $ 595,906.35 $ 11,741.71 $ 584,164.64
60 84 $ 595,906.35 $ 5,900.06 $ 590,006.29
Total $ 40,000,000.00
$40,000,000 Refinanciacion de 2 años a partir del mes 24
60
1.0%
$889,777.91
Saldo Pendiente
$
$
40,000,000.00
39,510,222.09 Cambio de sa
$ 39,015,546.41
$ 38,515,923.96 $45,000,000.00
$ 38,011,305.30
$ 37,501,640.44
$ 36,986,878.94 $40,000,000.00
$ 36,466,969.82
$ 35,941,861.61
$ 35,411,502.32 $35,000,000.00
$ 34,875,839.43
$ 34,334,819.92
$30,000,000.00
$ 33,788,390.21
$ 33,236,496.21
$ 32,679,083.26
$25,000,000.00
$ 32,116,096.19
$ 31,547,479.24
$ 30,973,176.13 $20,000,000.00
$ 30,393,129.98
$ 29,807,283.37
$ 29,215,578.30 $15,000,000.00
$ 28,617,956.18
$ 28,014,357.83
$ 27,404,723.50 $10,000,000.00
$ 26,788,992.83
$ 26,460,976.41
$ 26,129,679.82 $5,000,000.00
$ 25,795,070.27
$ 25,457,114.62
$-
$ 25,115,779.42 0 10 20 30 4
$ 24,771,030.87
$ 24,071,156.82
$ 23,715,962.04
$ 23,357,215.31
$ 22,994,881.12
$ 22,628,923.58
$ 22,259,306.46
$ 21,885,993.18
$ 21,508,946.76
$ 21,128,129.88
$ 20,743,504.83
$ 20,355,033.53
$ 19,962,677.51
$ 19,566,397.94
$ 19,166,155.57
$ 18,761,910.78
$ 18,353,623.53
$ 17,941,253.42
$ 17,524,759.60
$ 17,104,100.85
$ 16,679,235.51
$ 16,250,121.52
$ 15,816,716.38
$ 15,378,977.20
$ 14,936,860.62
$ 14,490,322.87
$ 14,039,319.75
$ 13,583,806.60
$ 13,123,738.32
$ 12,659,069.35
$ 12,189,753.70
$ 11,715,744.88
$ 11,236,995.98
$ 10,753,459.59
$ 10,265,087.84
$ 9,771,832.37
$ 9,273,644.34
$ 8,770,474.44
$ 8,262,272.83
$ 7,748,989.21
$ 7,230,572.75
$ 6,706,972.13
$ 6,178,135.50
$ 5,644,010.51
$ 5,104,544.26
$ 4,559,683.36
$ 4,009,373.84
$ 3,453,561.23
$ 2,892,190.49
$ 2,325,206.05
$ 1,752,551.76
$ 1,174,170.93
$ 590,006.29
$ 0.00
Cambio de saldo en el tiempo
700000.00
600000.00
500000.00
400000.00
300000.00
200000.00
100000.00
0.00
30 40 50 60 70 80 90

700000.00
600000.00
500000.00
400000.00
300000.00
200000.00
100000.00
0.00
80 90
Pagos $ 2,550,000
Tiempo (Años) 30
Tasa E.A 15%
VP $ 16,743,248.07
Deuda $ 85,000,000
Tiempo (Años) 12
Tiempo (Meses) 144
Tasa N.M 18%
Tasa E.M 1.5%
Pagos $ 1,444,251.60
Pagos trimestrales $ 1,800,000

Tiempo (Años) 10
Tiempo (Trimestres) 40
Tasa N.S 14%
Tasa E.S 7%
Tasa E.T 3.44%
VF $ 150,122,806.77
Prestamo $ 35,000,000
20% E.A
Tasa
1.53% E.M
Cuota $ 2,239,403.20
Pago de cancelacion del prestamo $ 12,939,981.18

Creo que es asi porque dice 18 cuotas mensuales VENCIDAS
Periodos Cuotas Intereses Capital Saldos
0 $ 35,000,000
1 $ 2,239,403.20 $ 535,831.47 $ 1,703,571.74 $ 33,296,428.26
2 $ 2,239,403.20 $ 509,750.69 $ 1,729,652.52 $ 31,566,775.75
3 $ 2,239,403.20 $ 483,270.62 $ 1,756,132.58 $ 29,810,643.17
4 $ 2,239,403.20 $ 456,385.16 $ 1,783,018.04 $ 28,027,625.12
5 $ 2,239,403.20 $ 429,088.10 $ 1,810,315.10 $ 26,217,310.02
6 $ 2,239,403.20 $ 401,373.13 $ 1,838,030.07 $ 24,379,279.95
7 $ 2,239,403.20 $ 373,233.87 $ 1,866,169.34 $ 22,513,110.62
8 $ 2,239,403.20 $ 344,663.80 $ 1,894,739.40 $ 20,618,371.22
9 $ 2,239,403.20 $ 315,656.35 $ 1,923,746.86 $ 18,694,624.36
10 $ 2,239,403.20 $ 286,204.80 $ 1,953,198.40 $ 16,741,425.95
11 $ 2,239,403.20 $ 256,302.37 $ 1,983,100.84 $ 14,758,325.12
12 $ 2,239,403.20 $ 225,942.14 $ 2,013,461.06 $ 12,744,864.06
13 $ 2,239,403.20 $ 195,117.12 $ 2,044,286.08 $ 10,700,577.97
14 $ 2,239,403.20 $ 163,820.18 $ 2,075,583.02 $ 8,624,994.95
15 $ 2,239,403.20 $ 132,044.11 $ 2,107,359.10 $ 6,517,635.86
16 $ 2,239,403.20 $ 99,781.55 $ 2,139,621.65 $ 4,378,014.21
17 $ 2,239,403.20 $ 67,025.08 $ 2,172,378.12 $ 2,205,636.08
18 $ 2,239,403.20 $ 33,767.12 $ 2,205,636.08 $ -
PRIMER PUNTO
Periodos
0
1
2
3
Valor carro $ 48,000,000 4
20% 5
Cuota inicial
$ 9,600,000 6
16% E.A 7
Tasa
1.24% E.M 8
Cuotas $ 5,000,000 Mes 6 9
extraordinarias $ 8,000,000 Mes 18 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
IMER PUNTO SEGUNDO PUNTO
Cuotas Intereses Capital Saldos Periodos
$ 9,600,000 $ 38,400,000 0
$ 1,329,910.95 $ 477,893.30 $ 852,017.66 $ 37,547,982.34 1
$ 1,329,910.95 $ 467,289.82 $ 862,621.13 $ 36,685,361.21 2
$ 1,329,910.95 $ 456,554.38 $ 873,356.57 $ 35,812,004.63 3
$ 1,329,910.95 $ 445,685.34 $ 884,225.62 $ 34,927,779.02 4
$ 1,329,910.95 $ 434,681.03 $ 895,229.93 $ 34,032,549.09 5
$ 1,329,910.95 $ 423,539.77 $ 906,371.19 $ 33,126,177.90 6
$ 1,329,910.95 $ 412,259.85 $ 917,651.10 $ 32,208,526.80 7
$ 1,329,910.95 $ 400,839.56 $ 929,071.40 $ 31,279,455.41 8
$ 1,329,910.95 $ 389,277.14 $ 940,633.82 $ 30,338,821.59 9
$ 1,329,910.95 $ 377,570.82 $ 952,340.13 $ 29,386,481.45 10
$ 1,329,910.95 $ 365,718.81 $ 964,192.14 $ 28,422,289.32 11
$ 1,329,910.95 $ 353,719.31 $ 976,191.64 $ 27,446,097.67 12
$ 1,329,910.95 $ 341,570.47 $ 988,340.48 $ 26,457,757.19 13
$ 1,329,910.95 $ 329,270.44 $ 1,000,640.52 $ 25,457,116.67 14
$ 1,329,910.95 $ 316,817.33 $ 1,013,093.63 $ 24,444,023.05 15
$ 1,329,910.95 $ 304,209.24 $ 1,025,701.72 $ 23,418,321.33 16
$ 1,329,910.95 $ 291,444.24 $ 1,038,466.71 $ 22,379,854.62 17
$ 1,329,910.95 $ 278,520.38 $ 1,051,390.58 $ 21,328,464.04 18
$ 1,329,910.95 $ 265,435.68 $ 1,064,475.28 $ 20,263,988.76 19
$ 1,329,910.95 $ 252,188.13 $ 1,077,722.82 $ 19,186,265.94 20
$ 1,329,910.95 $ 238,775.73 $ 1,091,135.23 $ 18,095,130.72 21
$ 1,329,910.95 $ 225,196.40 $ 1,104,714.56 $ 16,990,416.16 22
$ 1,329,910.95 $ 211,448.07 $ 1,118,462.88 $ 15,871,953.28 23
$ 1,329,910.95 $ 197,528.65 $ 1,132,382.31 $ 14,739,570.97 24
$ 1,329,910.95 $ 183,435.99 $ 1,146,474.96 $ 13,593,096.01 25
$ 1,329,910.95 $ 169,167.95 $ 1,160,743.00 $ 12,432,353.01 26
$ 1,329,910.95 $ 154,722.35 $ 1,175,188.61 $ 11,257,164.41 27
$ 1,329,910.95 $ 140,096.96 $ 1,189,813.99 $ 10,067,350.42 28
$ 1,329,910.95 $ 125,289.56 $ 1,204,621.39 $ 8,862,729.03 29
$ 1,329,910.95 $ 110,297.89 $ 1,219,613.07 $ 7,643,115.96 30
$ 1,329,910.95 $ 95,119.63 $ 1,234,791.32 $ 6,408,324.64 31
$ 1,329,910.95 $ 79,752.48 $ 1,250,158.47 $ 5,158,166.17 32
$ 1,329,910.95 $ 64,194.09 $ 1,265,716.86 $ 3,892,449.30 33
$ 1,329,910.95 $ 48,442.07 $ 1,281,468.89 $ 2,610,980.42 34
$ 1,329,910.95 $ 32,494.01 $ 1,297,416.94 $ 1,313,563.48 35
$ 1,329,910.95 $ 16,347.48 $ 1,313,563.48 -$ 0.00 36
GUNDO PUNTO
Cuotas Intereses Capital Saldos
$ 9,600,000 $ 38,400,000
$ 947,365.15 $ 477,893.30 $ 469,471.85 $ 37,930,528.15
$ 947,365.15 $ 472,050.65 $ 475,314.50 $ 37,455,213.65
$ 947,365.15 $ 466,135.30 $ 481,229.85 $ 36,973,983.80
$ 947,365.15 $ 460,146.33 $ 487,218.82 $ 36,486,764.97
$ 947,365.15 $ 454,082.82 $ 493,282.33 $ 35,993,482.64
$ 5,947,365.15 $ 447,943.86 $ 5,499,421.30 $ 30,494,061.35
$ 947,365.15 $ 379,502.80 $ 567,862.35 $ 29,926,199.00
$ 947,365.15 $ 372,435.67 $ 574,929.48 $ 29,351,269.52
$ 947,365.15 $ 365,280.60 $ 582,084.55 $ 28,769,184.97
$ 947,365.15 $ 358,036.47 $ 589,328.68 $ 28,179,856.29
$ 947,365.15 $ 350,702.20 $ 596,662.95 $ 27,583,193.34
$ 947,365.15 $ 343,276.65 $ 604,088.51 $ 26,979,104.83
$ 947,365.15 $ 335,758.68 $ 611,606.47 $ 26,367,498.36
$ 947,365.15 $ 328,147.15 $ 619,218.00 $ 25,748,280.36
$ 947,365.15 $ 320,440.90 $ 626,924.25 $ 25,121,356.11
$ 947,365.15 $ 312,638.74 $ 634,726.41 $ 24,486,629.70
$ 947,365.15 $ 304,739.48 $ 642,625.67 $ 23,844,004.04
$ 8,947,365.15 $ 296,741.92 $ 8,650,623.23 $ 15,193,380.80
$ 947,365.15 $ 189,083.72 $ 758,281.43 $ 14,435,099.37
$ 947,365.15 $ 179,646.80 $ 767,718.35 $ 13,667,381.02
$ 947,365.15 $ 170,092.44 $ 777,272.71 $ 12,890,108.32
$ 947,365.15 $ 160,419.18 $ 786,945.98 $ 12,103,162.34
$ 947,365.15 $ 150,625.52 $ 796,739.63 $ 11,306,422.71
$ 947,365.15 $ 140,709.99 $ 806,655.16 $ 10,499,767.55
$ 947,365.15 $ 130,671.06 $ 816,694.10 $ 9,683,073.46
$ 947,365.15 $ 120,507.18 $ 826,857.97 $ 8,856,215.49
$ 947,365.15 $ 110,216.82 $ 837,148.33 $ 8,019,067.16
$ 947,365.15 $ 99,798.40 $ 847,566.75 $ 7,171,500.41
$ 947,365.15 $ 89,250.31 $ 858,114.84 $ 6,313,385.57
$ 947,365.15 $ 78,570.95 $ 868,794.20 $ 5,444,591.37
$ 947,365.15 $ 67,758.69 $ 879,606.46 $ 4,564,984.91
$ 947,365.15 $ 56,811.87 $ 890,553.28 $ 3,674,431.63
$ 947,365.15 $ 45,728.81 $ 901,636.34 $ 2,772,795.28
$ 947,365.15 $ 34,507.82 $ 912,857.33 $ 1,859,937.95
$ 947,365.15 $ 23,147.18 $ 924,217.97 $ 935,719.99
$ 947,365.15 $ 11,645.16 $ 935,719.99 $ 0.00
Periodos
0
1
2
3
Prestamo $ 15,000,000 4
Tiempo 2 Años 5
Tasa 1% E.M 6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
$ 15,000,000
$ 706,102.08 $ 150,000 $ 556,102.08 $ 14,443,897.92
$ 706,102.08 $ 144,439 $ 561,663.10 $ 13,882,234.81
$ 706,102.08 $ 138,822 $ 567,279.74 $ 13,314,955.08
$ 706,102.08 $ 133,150 $ 572,952.53 $ 12,742,002.54
$ 706,102.08 $ 127,420 $ 578,682.06 $ 12,163,320.49
$ 706,102.08 $ 121,633 $ 584,468.88 $ 11,578,851.61
$ 706,102.08 $ 115,789 $ 590,313.57 $ 10,988,538.04
$ 706,102.08 $ 109,885 $ 596,216.70 $ 10,392,321.34
$ 2,782,737.87 $ 103,923 $ 2,678,814.65 $ 7,713,506.69
$ 0.00 $ 77,135 -$ 77,135.07 $ 7,790,641.75
$ 0.00 $ 77,906 -$ 77,906.42 $ 7,868,548.17
$ 0.00 $ 78,685 -$ 78,685.48 $ 7,947,233.65
$ 706,102.08 $ 79,472 $ 626,629.75 $ 7,320,603.91
$ 706,102.08 $ 73,206 $ 632,896.04 $ 6,687,707.86
$ 706,102.08 $ 66,877 $ 639,225.00 $ 6,048,482.86
$ 706,102.08 $ 60,485 $ 645,617.25 $ 5,402,865.60
$ 706,102.08 $ 54,029 $ 652,073.43 $ 4,750,792.17
$ 706,102.08 $ 47,508 $ 658,594.16 $ 4,092,198.01
$ 706,102.08 $ 40,922 $ 665,180.10 $ 3,427,017.91
$ 706,102.08 $ 34,270 $ 671,831.90 $ 2,755,186.01
$ 706,102.08 $ 27,552 $ 678,550.22 $ 2,076,635.78
$ 706,102.08 $ 20,766 $ 685,335.73 $ 1,391,300.06
$ 706,102.08 $ 13,913 $ 692,189.08 $ 699,110.97
$ 706,102.08 $ 6,991 $ 699,110.97 $ -
Periodos
0
1
2
3
Tasa 1% E.M 4
Pagos mensuales $ 832,000 Del mes 7 al 24 5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
$ - $ 12,852,662 Prestamo
$ - $ 128,527 -$ 128,527 $ 12,981,188
$ - $ 129,812 -$ 129,812 $ 13,111,000
$ - $ 131,110 -$ 131,110 $ 13,242,110
$ - $ 132,421 -$ 132,421 $ 13,374,531
$ - $ 133,745 -$ 133,745 $ 13,508,277
$ - $ 135,083 -$ 135,083 $ 13,643,359
$ 832,000 $ 136,434 $ 695,566 $ 12,947,793
$ 832,000 $ 129,478 $ 702,522 $ 12,245,271
$ 832,000 $ 122,453 $ 709,547 $ 11,535,724
$ 832,000 $ 115,357 $ 716,643 $ 10,819,081
$ 832,000 $ 108,191 $ 723,809 $ 10,095,272
$ 832,000 $ 100,953 $ 731,047 $ 9,364,224
$ 832,000 $ 93,642 $ 738,358 $ 8,625,867
$ 832,000 $ 86,259 $ 745,741 $ 7,880,125
$ 832,000 $ 78,801 $ 753,199 $ 7,126,927
$ 832,000 $ 71,269 $ 760,731 $ 6,366,196
$ 832,000 $ 63,662 $ 768,338 $ 5,597,858
$ 832,000 $ 55,979 $ 776,021 $ 4,821,836
$ 832,000 $ 48,218 $ 783,782 $ 4,038,055
$ 832,000 $ 40,381 $ 791,619 $ 3,246,435
$ 832,000 $ 32,464 $ 799,536 $ 2,446,900
$ 832,000 $ 24,469 $ 807,531 $ 1,639,369
$ 832,000 $ 16,394 $ 815,606 $ 823,762
$ 832,000 $ 8,238 $ 823,762 -$ 0
Periodos
0
1
2
3
$ 20,000,000 Hoy 4
Depositos
$ 25,000,000 En 2 años 5
Depositos anuales $ 2,500,000 Al final del 4 año, durante 7 años 6
13% N.S.A 7
6.50% E.S.A 8
Tasa
6.95% E.S 9
14.39% E.A 10
11
12
$ 20,000,000
$ 2,877,406 $ 22,877,406
$ 3,291,379 $ 51,168,785
$ 7,361,668 $ 58,530,452
$ 8,420,793 $ 69,451,245 1
$ 9,991,970 $ 81,943,215 2
Años en los
$ 11,789,194 $ 96,232,409 3 que se
$ 13,844,984 $ 112,577,393 4 hacen los
$ 16,196,542 $ 131,273,935 5 depositos de
2,500,000
$ 18,886,418 $ 152,660,354 6
$ 21,963,289 $ 177,123,642 7
$ 25,482,829 $ 202,606,471
$ 29,149,051 $ 231,755,522
Periodos
0
1
2
3
4
5
Valor $7,200,000 Primera cuota 1 6
25% 2 7
Cuota inicial
$1,800,000 3 8
Ultimo pago $1,500,000 4 9
Tasa primeros 17.4% C.M 5 10
6 meses 1.45% E.M 6 11
Tasa Del mes 6 19.8% N.M.V 7 12
en adelante 1.65% E.M 8 13
9 14
10 15
11 16
Ultima cuota 12 17
1 18
2 19
3 20
4 21
Ultimo pago 5 22
$ 1,800,000 $ 5,400,000
0 $ 78,300.00 -$ 78,300.00 $ 5,478,300.00
0 $ 79,435.35 -$ 79,435.35 $ 5,557,735.35
0 $ 80,587.16 -$ 80,587.16 $ 5,638,322.51
0 $ 81,755.68 -$ 81,755.68 $ 5,720,078.19
0 $ 82,941.13 -$ 82,941.13 $ 5,803,019.32
$ 430,851.10 $ 84,143.78 $ 346,707.32 $ 5,456,312.00
$ 430,851.10 $ 90,029.15 $ 340,821.95 $ 5,115,490.05
$ 430,851.10 $ 84,405.59 $ 346,445.52 $ 4,769,044.53
$ 430,851.10 $ 78,689.23 $ 352,161.87 $ 4,416,882.67
$ 430,851.10 $ 72,878.56 $ 357,972.54 $ 4,058,910.13
$ 430,851.10 $ 66,972.02 $ 363,879.08 $ 3,695,031.05
$ 430,851.10 $ 60,968.01 $ 369,883.09 $ 3,325,147.96
$ 430,851.10 $ 54,864.94 $ 375,986.16 $ 2,949,161.80
$ 430,851.10 $ 48,661.17 $ 382,189.93 $ 2,566,971.87
$ 430,851.10 $ 42,355.04 $ 388,496.07 $ 2,178,475.80
$ 430,851.10 $ 35,944.85 $ 394,906.25 $ 1,783,569.55
$ 430,851.10 $ 29,428.90 $ 401,422.20 $ 1,382,147.35
0 $ 22,805.43 -$ 22,805.43 $ 1,404,952.78
0 $ 23,181.72 -$ 23,181.72 $ 1,428,134.50
0 $ 23,564.22 -$ 23,564.22 $ 1,451,698.72
0 $ 23,953.03 -$ 23,953.03 $ 1,475,651.75
$ 1,500,000 $ 24,348.25 $ 1,475,651.75 $ -
Periodos
0
1
2
3
4
5
Deposito inicial $ 25,000 6
Tasa 12% E.A 7
Depositos anuales $ 12,000 Durante 6 años 8
Deposito extraordinario $ 18,000 En el año 7 9
Retiro Terreno $ 50,000 En el año 9 10
Retiro Yate $ 150,000 En el año 10
$ 25,000
$ 3,000 $ 40,000
$ 4,800 $ 56,800
$ 6,816 $ 75,616
$ 9,074 $ 96,690
$ 11,603 $ 120,293
$ 14,435 $ 146,728
$ 17,607 $ 182,335
$ 21,880 $ 204,215
$ 24,506 $ 178,721
$ 21,447 $ 50,168
Deuda $ 85,000,000 Periodos Cuotas
12% A.M.V Hasta mes 0
Tasa 1
1.00% E.M 60 1 $1,125,766
18% N.M Del mes 61 2 $1,125,766
Tasa 2
1.50% E.M en adelante 3 $1,125,766
Plazo 180 Meses 4 $1,125,766
5 $1,125,766
6 $1,125,766
7 $1,125,766
8 $1,125,766
9 $1,125,766
10 $1,125,766
11 $1,125,766
12 $1,125,766
13 $1,125,766
14 $1,125,766
15 $1,125,766
16 $1,125,766
17 $1,125,766
18 $1,125,766
19 $1,125,766
20 $1,125,766
21 $1,125,766
22 $1,125,766
23 $1,125,766
24 $1,125,766
25 $1,125,766
26 $1,125,766
27 $1,125,766
28 $1,125,766
29 $1,125,766
30 $1,125,766
31 $1,125,766
32 $1,125,766
33 $1,125,766
34 $1,125,766
35 $1,125,766
36 $1,125,766
37 $1,125,766
38 $1,125,766
39 $1,125,766
40 $1,125,766
41 $1,125,766
42 $1,125,766
43 $1,125,766
44 $1,125,766
45 $1,125,766
46 $1,125,766
47 $1,125,766
48 $1,125,766
49 $1,125,766
50 $1,125,766
51 $1,125,766
52 $1,125,766
53 $1,125,766
54 $1,125,766
55 $1,125,766
56 $1,125,766
57 $1,125,766
58 $1,125,766
59 $1,125,766
Año 5 60 $1,125,766
61 $1,125,766
62 $1,125,766
63 $1,125,766
64 $1,125,766
65 $1,125,766
66 $1,125,766
67 $1,125,766
68 $1,125,766
69 $1,125,766
70 $1,125,766
71 $1,125,766
72 $1,125,766
73 $1,125,766
74 $1,125,766
75 $1,125,766
76 $1,125,766
77 $1,125,766
78 $1,125,766
79 $1,125,766
80 $1,125,766
81 $1,125,766
82 $1,125,766
83 $1,125,766
84 $1,125,766
85 $1,125,766
86 $1,125,766
87 $1,125,766
88 $1,125,766
89 $1,125,766
90 $1,125,766
91 $1,125,766
92 $1,125,766
93 $1,125,766
94 $1,125,766
95 $1,125,766
96 $1,125,766
97 $1,125,766
98 $1,125,766
99 $1,125,766
100 $1,125,766
101 $1,125,766
102 $1,125,766
103 $1,125,766
104 $1,125,766
105 $1,125,766
106 $1,125,766
107 $1,125,766
108 $1,125,766
109 $1,125,766
110 $1,125,766
111 $1,125,766
112 $1,125,766
113 $1,125,766
114 $1,125,766
115 $1,125,766
116 $1,125,766
117 $1,125,766
118 $1,125,766
119 $1,125,766
120 $1,125,766
121 $1,125,766
122 $1,125,766
123 $1,125,766
124 $1,125,766
125 $1,125,766
126 $1,125,766
127 $1,125,766
128 $1,125,766
129 $1,125,766
130 $1,125,766
131 $1,125,766
132 $1,125,766
133 $1,125,766
134 $1,125,766
135 $1,125,766
136 $1,125,766
137 $1,125,766
138 $1,125,766
139 $1,125,766
140 $1,125,766
141 $1,125,766
142 $1,125,766
143 $1,125,766
144 $1,125,766
145 $1,125,766
146 $1,125,766
147 $1,125,766
148 $1,125,766
149 $1,125,766
150 $1,125,766
151 $1,125,766
152 $1,125,766
153 $1,125,766
154 $1,125,766
155 $1,125,766
156 $1,125,766
157 $1,125,766
158 $1,125,766
159 $1,125,766
160 $1,125,766
161 $1,125,766
162 $1,125,766
163 $1,125,766
164 $1,125,766
165 $1,125,766
166 $1,125,766
167 $1,125,766
168 $1,125,766
169 $1,125,766
170 $1,125,766
171 $1,125,766
172 $1,125,766
173 $1,125,766
174 $1,125,766
175 $1,125,766
176 $1,125,766
177 $1,125,766
178 $1,125,766
179 $1,125,766
180 $1,125,766
Intereses Capital Saldos
$ 85,000,000
$ 850,000.00 $ 275,766.07 $ 84,724,233.93
$ 847,242.34 $ 278,523.73 $ 84,445,710.21
$ 844,457.10 $ 281,308.96 $ 84,164,401.24
$ 841,644.01 $ 284,122.05 $ 83,880,279.19
$ 838,802.79 $ 286,963.27 $ 83,593,315.91
$ 835,933.16 $ 289,832.91 $ 83,303,483.01
$ 833,034.83 $ 292,731.24 $ 83,010,751.77
$ 830,107.52 $ 295,658.55 $ 82,715,093.22
$ 827,150.93 $ 298,615.13 $ 82,416,478.09
$ 824,164.78 $ 301,601.29 $ 82,114,876.80
$ 821,148.77 $ 304,617.30 $ 81,810,259.50
$ 818,102.60 $ 307,663.47 $ 81,502,596.03
$ 815,025.96 $ 310,740.11 $ 81,191,855.92
$ 811,918.56 $ 313,847.51 $ 80,878,008.42
$ 808,780.08 $ 316,985.98 $ 80,561,022.43
$ 805,610.22 $ 320,155.84 $ 80,240,866.59
$ 802,408.67 $ 323,357.40 $ 79,917,509.19
$ 799,175.09 $ 326,590.97 $ 79,590,918.22
$ 795,909.18 $ 329,856.88 $ 79,261,061.33
$ 792,610.61 $ 333,155.45 $ 78,927,905.88
$ 789,279.06 $ 336,487.01 $ 78,591,418.87
$ 785,914.19 $ 339,851.88 $ 78,251,566.99
$ 782,515.67 $ 343,250.40 $ 77,908,316.60
$ 779,083.17 $ 346,682.90 $ 77,561,633.70
$ 775,616.34 $ 350,149.73 $ 77,211,483.97
$ 772,114.84 $ 353,651.23 $ 76,857,832.74
$ 768,578.33 $ 357,187.74 $ 76,500,645.00
$ 765,006.45 $ 360,759.62 $ 76,139,885.38
$ 761,398.85 $ 364,367.21 $ 75,775,518.17
$ 757,755.18 $ 368,010.88 $ 75,407,507.28
$ 754,075.07 $ 371,690.99 $ 75,035,816.29
$ 750,358.16 $ 375,407.90 $ 74,660,408.39
$ 746,604.08 $ 379,161.98 $ 74,281,246.40
$ 742,812.46 $ 382,953.60 $ 73,898,292.80
$ 738,982.93 $ 386,783.14 $ 73,511,509.66
$ 735,115.10 $ 390,650.97 $ 73,120,858.69
$ 731,208.59 $ 394,557.48 $ 72,726,301.21
$ 727,263.01 $ 398,503.05 $ 72,327,798.16
$ 723,277.98 $ 402,488.08 $ 71,925,310.07
$ 719,253.10 $ 406,512.97 $ 71,518,797.11
$ 715,187.97 $ 410,578.10 $ 71,108,219.01
$ 711,082.19 $ 414,683.88 $ 70,693,535.14
$ 706,935.35 $ 418,830.72 $ 70,274,704.42
$ 702,747.04 $ 423,019.02 $ 69,851,685.40
$ 698,516.85 $ 427,249.21 $ 69,424,436.19
$ 694,244.36 $ 431,521.70 $ 68,992,914.48
$ 689,929.14 $ 435,836.92 $ 68,557,077.56
$ 685,570.78 $ 440,195.29 $ 68,116,882.27
$ 681,168.82 $ 444,597.24 $ 67,672,285.03
$ 676,722.85 $ 449,043.22 $ 67,223,241.81
$ 672,232.42 $ 453,533.65 $ 66,769,708.16
$ 667,697.08 $ 458,068.98 $ 66,311,639.18
$ 663,116.39 $ 462,649.67 $ 65,848,989.50
$ 658,489.90 $ 467,276.17 $ 65,381,713.33
$ 653,817.13 $ 471,948.93 $ 64,909,764.40
$ 649,097.64 $ 476,668.42 $ 64,433,095.97
$ 644,330.96 $ 481,435.11 $ 63,951,660.87
$ 639,516.61 $ 486,249.46 $ 63,465,411.41
$ 634,654.11 $ 491,111.95 $ 62,974,299.46
$ 629,742.99 $ 496,023.07 $ 62,478,276.38 B. Este seria el saldo que debe pagar si quisiera vender la casa a
$ 937,174.15 $ 188,591.92 $ 62,289,684.46
$ 934,345.27 $ 191,420.80 $ 62,098,263.66
$ 931,473.95 $ 194,292.11 $ 61,903,971.55
$ 928,559.57 $ 197,206.49 $ 61,706,765.06
$ 925,601.48 $ 200,164.59 $ 61,506,600.47
$ 922,599.01 $ 203,167.06 $ 61,303,433.41
$ 919,551.50 $ 206,214.57 $ 61,097,218.84
$ 916,458.28 $ 209,307.78 $ 60,887,911.06
$ 913,318.67 $ 212,447.40 $ 60,675,463.66
$ 910,131.95 $ 215,634.11 $ 60,459,829.55
$ 906,897.44 $ 218,868.62 $ 60,240,960.92
$ 903,614.41 $ 222,151.65 $ 60,018,809.27
$ 900,282.14 $ 225,483.93 $ 59,793,325.34
$ 896,899.88 $ 228,866.19 $ 59,564,459.16
$ 893,466.89 $ 232,299.18 $ 59,332,159.98
$ 889,982.40 $ 235,783.67 $ 59,096,376.31
$ 886,445.64 $ 239,320.42 $ 58,857,055.89
$ 882,855.84 $ 242,910.23 $ 58,614,145.66
$ 879,212.18 $ 246,553.88 $ 58,367,591.78
$ 875,513.88 $ 250,252.19 $ 58,117,339.59
$ 871,760.09 $ 254,005.97 $ 57,863,333.62
$ 867,950.00 $ 257,816.06 $ 57,605,517.55
$ 864,082.76 $ 261,683.30 $ 57,343,834.25
$ 860,157.51 $ 265,608.55 $ 57,078,225.70
$ 856,173.39 $ 269,592.68 $ 56,808,633.02
$ 852,129.50 $ 273,636.57 $ 56,534,996.44
$ 848,024.95 $ 277,741.12 $ 56,257,255.32
$ 843,858.83 $ 281,907.24 $ 55,975,348.09
$ 839,630.22 $ 286,135.85 $ 55,689,212.24
$ 835,338.18 $ 290,427.88 $ 55,398,784.36
$ 830,981.77 $ 294,784.30 $ 55,104,000.06
$ 826,560.00 $ 299,206.07 $ 54,804,793.99
$ 822,071.91 $ 303,694.16 $ 54,501,099.84
$ 817,516.50 $ 308,249.57 $ 54,192,850.27
$ 812,892.75 $ 312,873.31 $ 53,879,976.95
$ 808,199.65 $ 317,566.41 $ 53,562,410.54
$ 803,436.16 $ 322,329.91 $ 53,240,080.63
$ 798,601.21 $ 327,164.86 $ 52,912,915.78
$ 793,693.74 $ 332,072.33 $ 52,580,843.45
$ 788,712.65 $ 337,053.41 $ 52,243,790.03
$ 783,656.85 $ 342,109.22 $ 51,901,680.82
$ 778,525.21 $ 347,240.85 $ 51,554,439.96
$ 773,316.60 $ 352,449.47 $ 51,201,990.49
$ 768,029.86 $ 357,736.21 $ 50,844,254.28
$ 762,663.81 $ 363,102.25 $ 50,481,152.03
$ 757,217.28 $ 368,548.79 $ 50,112,603.25
$ 751,689.05 $ 374,077.02 $ 49,738,526.23
$ 746,077.89 $ 379,688.17 $ 49,358,838.05
$ 740,382.57 $ 385,383.50 $ 48,973,454.56
$ 734,601.82 $ 391,164.25 $ 48,582,290.31
$ 728,734.35 $ 397,031.71 $ 48,185,258.60
$ 722,778.88 $ 402,987.19 $ 47,782,271.41
$ 716,734.07 $ 409,032.00 $ 47,373,239.42
$ 710,598.59 $ 415,167.48 $ 46,958,071.94
$ 704,371.08 $ 421,394.99 $ 46,536,676.95
$ 698,050.15 $ 427,715.91 $ 46,108,961.04
$ 691,634.42 $ 434,131.65 $ 45,674,829.39
$ 685,122.44 $ 440,643.63 $ 45,234,185.76
$ 678,512.79 $ 447,253.28 $ 44,786,932.48
$ 671,803.99 $ 453,962.08 $ 44,332,970.40
$ 664,994.56 $ 460,771.51 $ 43,872,198.89
$ 658,082.98 $ 467,683.08 $ 43,404,515.81
$ 651,067.74 $ 474,698.33 $ 42,929,817.48
$ 643,947.26 $ 481,818.80 $ 42,447,998.68
$ 636,719.98 $ 489,046.09 $ 41,958,952.59
$ 629,384.29 $ 496,381.78 $ 41,462,570.81
$ 621,938.56 $ 503,827.50 $ 40,958,743.31
$ 614,381.15 $ 511,384.92 $ 40,447,358.39
$ 606,710.38 $ 519,055.69 $ 39,928,302.70
$ 598,924.54 $ 526,841.53 $ 39,401,461.17
$ 591,021.92 $ 534,744.15 $ 38,866,717.03
$ 583,000.76 $ 542,765.31 $ 38,323,951.71
$ 574,859.28 $ 550,906.79 $ 37,773,044.92
$ 566,595.67 $ 559,170.39 $ 37,213,874.53
$ 558,208.12 $ 567,557.95 $ 36,646,316.58
$ 549,694.75 $ 576,071.32 $ 36,070,245.26
$ 541,053.68 $ 584,712.39 $ 35,485,532.88
$ 532,282.99 $ 593,483.07 $ 34,892,049.80
$ 523,380.75 $ 602,385.32 $ 34,289,664.48
$ 514,344.97 $ 611,421.10 $ 33,678,243.38
$ 505,173.65 $ 620,592.42 $ 33,057,650.97
$ 495,864.76 $ 629,901.30 $ 32,427,749.67
$ 486,416.24 $ 639,349.82 $ 31,788,399.84
$ 476,826.00 $ 648,940.07 $ 31,139,459.78
$ 467,091.90 $ 658,674.17 $ 30,480,785.61
$ 457,211.78 $ 668,554.28 $ 29,812,231.32
$ 447,183.47 $ 678,582.60 $ 29,133,648.73
$ 437,004.73 $ 688,761.34 $ 28,444,887.39
$ 426,673.31 $ 699,092.76 $ 27,745,794.64
$ 416,186.92 $ 709,579.15 $ 27,036,215.49
$ 405,543.23 $ 720,222.83 $ 26,315,992.65
$ 394,739.89 $ 731,026.18 $ 25,584,966.48
$ 383,774.50 $ 741,991.57 $ 24,842,974.91
$ 372,644.62 $ 753,121.44 $ 24,089,853.46
$ 361,347.80 $ 764,418.26 $ 23,325,435.20
$ 349,881.53 $ 775,884.54 $ 22,549,550.66
$ 338,243.26 $ 787,522.81 $ 21,762,027.85
$ 326,430.42 $ 799,335.65 $ 20,962,692.21
$ 314,440.38 $ 811,325.68 $ 20,151,366.52
$ 302,270.50 $ 823,495.57 $ 19,327,870.95
$ 289,918.06 $ 835,848.00 $ 18,492,022.95
$ 277,380.34 $ 848,385.72 $ 17,643,637.23
$ 264,654.56 $ 861,111.51 $ 16,782,525.72
$ 251,737.89 $ 874,028.18 $ 15,908,497.54
$ 238,627.46 $ 887,138.60 $ 15,021,358.94
$ 225,320.38 $ 900,445.68 $ 14,120,913.25
$ 211,813.70 $ 913,952.37 $ 13,206,960.89
$ 198,104.41 $ 927,661.65 $ 12,279,299.23
$ 184,189.49 $ 941,576.58 $ 11,337,722.66
$ 170,065.84 $ 955,700.23 $ 10,382,022.43
$ 155,730.34 $ 970,035.73 $ 9,411,986.70
$ 141,179.80 $ 984,586.27 $ 8,427,400.43
$ 126,411.01 $ 999,355.06 $ 7,428,045.37
$ 111,420.68 $ 1,014,345.39 $ 6,413,699.99
$ 96,205.50 $ 1,029,560.57 $ 5,384,139.42
$ 80,762.09 $ 1,045,003.98 $ 4,339,135.44
$ 65,087.03 $ 1,060,679.03 $ 3,278,456.41
$ 49,176.85 $ 1,076,589.22 $ 2,201,867.19
$ 33,028.01 $ 1,092,738.06 $ 1,109,129.13
$ 16,636.94 $ 1,109,129.13 -$ 0.00
e pagar si quisiera vender la casa al 5to año
Valor $ 42,000,000
15% Primera cuota
Cuota inicial
$ 6,300,000
18.0% N.T.V
Tasa 4.50% E.T
1.48% E.M
PARA EL PUNTO B
Tasa para los 5 18.0% E.A
primeros meses 1.39% E.M
Tasa Del mes 5 20.0% E.A
en adelante 1.53% E.M
PRIMER PUNTO
0 $ 6,300,000 $ 35,700,000
1 $ - $ 527,662 -$ 527,662 $ 36,227,662
2 $ - $ 535,462 -$ 535,462 $ 36,763,124
3 $ - $ 543,376 -$ 543,376 $ 37,306,500
4 $ - $ 551,407 -$ 551,407 $ 37,857,907
5 $ - $ 559,557 -$ 559,557 $ 38,417,465
6 $ 1,553,771.88 $ 567,828 $ 985,944 $ 37,431,521
7 $ 1,553,772 $ 553,255 $ 1,000,517 $ 36,431,004
8 $ 1,553,772 $ 538,467 $ 1,015,305 $ 35,415,699
9 $ 1,553,772 $ 523,460 $ 1,030,311 $ 34,385,388
10 $ 1,553,772 $ 508,232 $ 1,045,540 $ 33,339,848
11 $ 1,553,772 $ 492,778 $ 1,060,994 $ 32,278,854
12 $ 1,553,772 $ 477,096 $ 1,076,676 $ 31,202,179
13 $ 1,553,772 $ 461,183 $ 1,092,589 $ 30,109,589
14 $ 1,553,772 $ 445,034 $ 1,108,738 $ 29,000,851
15 $ 1,553,772 $ 428,646 $ 1,125,126 $ 27,875,725
16 $ 1,553,772 $ 412,016 $ 1,141,756 $ 26,733,969
17 $ 1,553,772 $ 395,140 $ 1,158,631 $ 25,575,338
18 $ 1,553,772 $ 378,015 $ 1,175,757 $ 24,399,581
19 $ 1,553,772 $ 360,637 $ 1,193,135 $ 23,206,446
20 $ 1,553,772 $ 343,002 $ 1,210,770 $ 21,995,677
21 $ 1,553,772 $ 325,106 $ 1,228,666 $ 20,767,011
22 $ 1,553,772 $ 306,946 $ 1,246,826 $ 19,520,185
23 $ 1,553,772 $ 288,517 $ 1,265,255 $ 18,254,931
24 $ 1,553,772 $ 269,816 $ 1,283,956 $ 16,970,975
25 $ 1,553,772 $ 250,839 $ 1,302,933 $ 15,668,042
26 $ 1,553,772 $ 231,581 $ 1,322,191 $ 14,345,851
27 $ 1,553,772 $ 212,038 $ 1,341,734 $ 13,004,117
28 $ 1,553,772 $ 192,207 $ 1,361,565 $ 11,642,552
29 $ 1,553,772 $ 172,082 $ 1,381,690 $ 10,260,863
30 $ 1,553,772 $ 151,660 $ 1,402,112 $ 8,858,751
31 $ 1,553,772 $ 130,936 $ 1,422,835 $ 7,435,916
32 $ 1,553,772 $ 109,906 $ 1,443,866 $ 5,992,050
33 $ 1,553,772 $ 88,565 $ 1,465,207 $ 4,526,844
34 $ 1,553,772 $ 66,909 $ 1,486,863 $ 3,039,980
35 $ 1,553,772 $ 44,932 $ 1,508,840 $ 1,531,141
36 $ 1,553,772 $ 22,631 $ 1,531,141 $ 0
SEGUNDO PUNTO
0 $ 6,300,000 $ 35,700,000
1 $ - $ 495,817 -$ 495,817 $ 36,195,817
2 $ - $ 502,703 -$ 502,703 $ 36,698,520
3 $ - $ 509,685 -$ 509,685 $ 37,208,205
4 $ - $ 516,764 -$ 516,764 $ 37,724,968
5 $ - $ 523,941 -$ 523,941 $ 38,248,909
Primera cuota 6 $ 1,556,758.89 $ 531,217 $1,025,542 $ 37,223,367
7 $ 1,556,759 $ 569,870 $ 986,889 $ 36,236,479
8 $ 1,556,759 $ 554,761 $1,001,998 $ 35,234,481
9 $ 1,556,759 $ 539,421 $1,017,338 $ 34,217,143
10 $ 1,556,759 $ 523,846 $1,032,913 $ 33,184,231
11 $ 1,556,759 $ 508,033 $1,048,726 $ 32,135,505
12 $ 1,556,759 $ 491,978 $1,064,781 $ 31,070,724
13 $ 1,556,759 $ 475,676 $1,081,083 $ 29,989,641
14 $ 1,556,759 $ 459,126 $1,097,633 $ 28,892,008
15 $ 1,556,759 $ 442,321 $1,114,438 $ 27,777,570
16 $ 1,556,759 $ 425,260 $1,131,499 $ 26,646,071
17 $ 1,556,759 $ 407,937 $1,148,822 $ 25,497,250
18 $ 1,556,759 $ 390,349 $1,166,409 $ 24,330,840
19 $ 1,556,759 $ 372,492 $1,184,267 $ 23,146,573
20 $ 1,556,759 $ 354,362 $1,202,397 $ 21,944,176
21 $ 1,556,759 $ 335,954 $1,220,805 $ 20,723,371
22 $ 1,556,759 $ 317,264 $1,239,495 $ 19,483,876
23 $ 1,556,759 $ 298,288 $1,258,471 $ 18,225,405
24 $ 1,556,759 $ 279,021 $1,277,738 $ 16,947,667
25 $ 1,556,759 $ 259,460 $1,297,299 $ 15,650,368
26 $ 1,556,759 $ 239,599 $1,317,160 $ 14,333,208
27 $ 1,556,759 $ 219,434 $1,337,325 $ 12,995,883
28 $ 1,556,759 $ 198,960 $1,357,799 $ 11,638,084
29 $ 1,556,759 $ 178,173 $1,378,586 $ 10,259,499
30 $ 1,556,759 $ 157,067 $1,399,691 $ 8,859,807
31 $ 1,556,759 $ 135,639 $1,421,120 $ 7,438,687
32 $ 1,556,759 $ 113,882 $1,442,877 $ 5,995,811
33 $ 1,556,759 $ 91,793 $1,464,966 $ 4,530,844
34 $ 1,556,759 $ 69,365 $1,487,394 $ 3,043,450
35 $ 1,556,759 $ 46,594 $1,510,165 $ 1,533,285
36 $ 1,556,759 $ 23,474 $1,533,285 $ 0
$ 15,000,000 En un año
Saldos
$ 18,000,000 En año y medio
13.2% C.M
Tasa
1.10% E.M
Cuotas $ 3,457,478
VP $ 13,154,592.28 De los 15 millones

Tasa 2.21% E.B VP $ 14,782,629.92 De los 18 millones
VP TOTAL $ 27,937,222.20 SUMATORIA
CUOTAS $ 3,457,478.30 EN BIMESTRES YA QUE SE

PAGAN CADA 2 MESES
Periodos Saldos Saldos
0 $ - $ -
1 $ - $ -
2 $ - $ 3,457,478
3 $ - $ -
4 $ - $ 3,457,478
5 $ - $ -
6 $ - $ 3,457,478
7 $ - $ -
8 $ - $ 3,457,478
9 $ - $ -
10 $ - $ 3,457,478
11 $ - $ -
12 $ 15,000,000 $ 3,457,478
13 $ - $ -
14 $ - $ 3,457,478
15 $ - $ -
16 $ - $ 3,457,478
17 $ - $ -
18 $ 18,000,000 $ 3,457,478
VNA $ 27,937,222.20 $ 27,937,222.20
27937222.19869
Gastos Mant. $ 15,300,000 Cada 3 años
20% C.T
5% E.T 10 primeros años
21.55% E.A
Tasa
24% N.T.V
Del año 10 en
6% E.T adelante
26.25% E.A
Deposito anual $ 4,143,016
79.59% E.TRIA
101.22% E.TRIA $ 16,493,807.53
$ 799,987.28
$ 17,293,794.80
17573870.51799
26345674.7
Periodos Saldos Saldos
0 0 0
1 0 $ 4,143,016
2 0 $ 4,143,016
3 $ 15,300,000 $ 4,143,016
4 0 $ 4,143,016
5 0 $ 4,143,016
6 $ 15,300,000 $ 4,143,016
7 0 $ 4,143,016
8 0 $ 4,143,016
9 $ 15,300,000 $ 4,143,016
10 0 $ 4,143,016
11 0 $ 4,143,016
12 $ 15,300,000 $ 4,143,016
13 0 $ 4,143,016
14 0 $ 4,143,016
15 $ 15,300,000 $ 4,143,016
16 0 $ 4,143,016
17 0 $ 4,143,016
18 $ 15,300,000 $ 4,143,016
$ 26,345,674.74 $ 24,433,796.08
32646179.74125
0 $ -
1 $ - $ - $ 4,143,016
2 $ 892,846 -$ 892,846 $ 9,178,878
3 $ 15,300,000 $ 1,978,106 $ 13,321,894 $ -
4 $ - $ - $ 4,143,016
5 $ 892,846 -$ 892,846 $ 9,178,878
6 $ 15,300,000 $ 1,978,106 $ 13,321,894 $ -
7 $ - $ - $ 4,143,016
8 $ 892,846 -$ 892,846 $ 9,178,878
9 $ 15,300,000 $ 1,978,106 $ 13,321,894 $ -
10 $ - $ - $ 4,143,016
11 $ 1,087,446 -$ 1,087,446 $ 9,373,479
12 $ 15,300,000 $ 2,460,322 $ 12,839,678 $ -
13 $ - $ - $ 4,143,016
14 $ 1,087,446 -$ 1,087,446 $ 9,373,479
15 $ 15,300,000 $ 2,460,322 $ 12,839,678 $ -
16 $ - $ - $ 4,143,016
17 $ 1,087,446 -$ 1,087,446 $ 9,373,479
18 $ 15,300,000 $ 2,460,322 $ 12,839,678 $ -
19 $ - $ - $ 4,143,016
20 $ 1,087,446 -$ 1,087,446 $ 9,373,479
Depositos anuales $ 10,000,000 Son 12
Tasa 15% E.A
Deposito extra $ 5,000,000 Dentro de 3 años
Cuotas $ 200,000 Son 24

Tasa primer año 1.45% E.M
Tasa en adelante 2.20% E.M
Pago extra $ 600,000
Prestamo $ 3,968,847
Pago extra
Prestamo $ 70,000,000
Tasa primeros 2 12% N.M
años 1.00% E.M
18% N.M
Tasa en adelante
1.50% E.M
Tiempo 72 Meses
0 $ 10,000,000
1 $ 1,500,000 $ 21,500,000
2 $ 3,225,000 $ 34,725,000
Deposito extra 3 $ 5,208,750 $ 54,933,750
4 $ 8,240,063 $ 73,173,813
5 $ 10,976,072 $ 94,149,884
6 $ 14,122,483 $ 118,272,367
7 $ 17,740,855 $ 146,013,222
8 $ 21,901,983 $ 177,915,205
9 $ 26,687,281 $ 214,602,486
10 $ 32,190,373 $ 256,792,859
11 $ 38,518,929 $ 305,311,788
12 $ 45,796,768 $ 351,108,556
13 $ 52,666,283 $ 403,774,840
14 $ 60,566,226 $ 464,341,066
15 $ 69,651,160 $ 533,992,225
16 $ 80,098,834 $ 614,091,059
17 $ 92,113,659 $ 706,204,718
18 $ 105,930,708 $ 812,135,426
19 $ 121,820,314 $ 933,955,740

0 $ - $ 3,968,847
1 $ - 57548.28552658 -$ 57,548 $ 4,026,396
2 $ - 58382.73566672 -$ 58,383 $ 4,084,778
3 $ - 59229.28533389 -$ 59,229 $ 4,144,008
4 $ - 60088.10997123 -$ 60,088 $ 4,204,096
5 $ - 60959.38756581 -$ 60,959 $ 4,265,055
6 $ - 61843.29868551 -$ 61,843 $ 4,326,898
1 7 $ 200,000 62740.02651645 $ 137,260 $ 4,189,638
2 8 $ 200,000 60749.75690094 $ 139,250 $ 4,050,388
3 9 $ 200,000 58730.62837601 $ 141,269 $ 3,909,119
4 10 $ 200,000 56682.22248746 $ 143,318 $ 3,765,801
5 11 $ 200,000 54604.11471353 $ 145,396 $ 3,620,405
6 12 $ 200,000 52495.87437687 $ 147,504 $ 3,472,901
7 13 $ 200,000 $ 76,403.82 $ 123,596 $ 3,349,305
8 14 $ 200,000 $ 73,684.71 $ 126,315 $ 3,222,990
9 15 $ 200,000 $ 70,905.77 $ 129,094 $ 3,093,895
10 16 $ 200,000 $ 68,065.70 $ 131,934 $ 2,961,961
11 17 $ 200,000 $ 65,163.14 $ 134,837 $ 2,827,124
12 18 $ 800,000 $ 62,196.73 $ 737,803 $ 2,089,321
13 19 $ 200,000 $ 45,965.06 $ 154,035 $ 1,935,286
14 20 $ 200,000 $ 42,576.29 $ 157,424 $ 1,777,862
15 21 $ 200,000 $ 39,112.97 $ 160,887 $ 1,616,975
16 22 $ 200,000 $ 35,573.45 $ 164,427 $ 1,452,549
17 23 $ 200,000 $ 31,956.07 $ 168,044 $ 1,284,505
18 24 $ 200,000 $ 28,259.10 $ 171,741 $ 1,112,764
19 25 $ 200,000 $ 24,480.80 $ 175,519 $ 937,245
20 26 $ 200,000 $ 20,619.38 $ 179,381 $ 757,864
21 27 $ 200,000 $ 16,673.01 $ 183,327 $ 574,537
22 28 $ 200,000 $ 12,639.81 $ 187,360 $ 387,177
23 29 $ 200,000 $ 8,517.89 $ 191,482 $ 195,695
24 30 $ 200,000 $ 4,305.28 $ 195,695 -$ 0

0 $ 70,000,000
1 $ 1,456,690 $ 700,000 $ 756,690 $ 69,243,310
2 $ 1,456,690 $ 692,433 $ 764,257 $ 68,479,053
3 $ 1,456,690 $ 684,791 $ 771,899 $ 67,707,154
4 $ 1,456,690 $ 677,072 $ 779,618 $ 66,927,535
5 $ 1,456,690 $ 669,275 $ 787,415 $ 66,140,120
6 $ 1,456,690 $ 661,401 $ 795,289 $ 65,344,832
7 $ 1,456,690 $ 653,448 $ 803,242 $ 64,541,590
8 $ 1,456,690 $ 645,416 $ 811,274 $ 63,730,316
9 $ 1,456,690 $ 637,303 $ 819,387 $ 62,910,929
10 $ 1,456,690 $ 629,109 $ 827,581 $ 62,083,348
11 $ 1,456,690 $ 620,833 $ 835,857 $ 61,247,492
12 $ 1,456,690 $ 612,475 $ 844,215 $ 60,403,277
13 $ 1,456,690 $ 604,033 $ 852,657 $ 59,550,619
14 $ 1,456,690 $ 595,506 $ 861,184 $ 58,689,435
15 $ 1,456,690 $ 586,894 $ 869,796 $ 57,819,640
16 $ 1,456,690 $ 578,196 $ 878,494 $ 56,941,146
17 $ 1,456,690 $ 569,411 $ 887,279 $ 56,053,868
18 $ 1,456,690 $ 560,539 $ 896,151 $ 55,157,716
19 $ 1,456,690 $ 551,577 $ 905,113 $ 54,252,603
20 $ 1,456,690 $ 542,526 $ 914,164 $ 53,338,439
21 $ 1,456,690 $ 533,384 $ 923,306 $ 52,415,134
22 $ 1,456,690 $ 524,151 $ 932,539 $ 51,482,595
23 $ 1,456,690 $ 514,826 $ 941,864 $ 50,540,731
Año 2 24 $ 1,456,690 $ 505,407 $ 951,283 $ 49,589,448
25 $ 1,456,690 $ 743,842 $ 712,848 $ 48,876,600
26 $ 1,456,690 $ 733,149 $ 723,541 $ 48,153,059
27 $ 1,456,690 $ 722,296 $ 734,394 $ 47,418,665
28 $ 1,456,690 $ 711,280 $ 745,410 $ 46,673,255
29 $ 1,456,690 $ 700,099 $ 756,591 $ 45,916,664
30 $ 1,456,690 $ 688,750 $ 767,940 $ 45,148,723
31 $ 1,456,690 $ 677,231 $ 779,459 $ 44,369,264
32 $ 1,456,690 $ 665,539 $ 791,151 $ 43,578,113
33 $ 1,456,690 $ 653,672 $ 803,018 $ 42,775,095
34 $ 1,456,690 $ 641,626 $ 815,064 $ 41,960,031
35 $ 1,456,690 $ 629,400 $ 827,290 $ 41,132,742
36 $ 1,456,690 $ 616,991 $ 839,699 $ 40,293,043
37 $ 1,456,690 $ 604,396 $ 852,294 $ 39,440,748
38 $ 1,456,690 $ 591,611 $ 865,079 $ 38,575,670
39 $ 1,456,690 $ 578,635 $ 878,055 $ 37,697,615
40 $ 1,456,690 $ 565,464 $ 891,226 $ 36,806,389
41 $ 1,456,690 $ 552,096 $ 904,594 $ 35,901,795
42 $ 1,456,690 $ 538,527 $ 918,163 $ 34,983,632
43 $ 1,456,690 $ 524,754 $ 931,936 $ 34,051,696
44 $ 1,456,690 $ 510,775 $ 945,915 $ 33,105,781
45 $ 1,456,690 $ 496,587 $ 960,103 $ 32,145,678
46 $ 1,456,690 $ 482,185 $ 974,505 $ 31,171,173
47 $ 1,456,690 $ 467,568 $ 989,122 $ 30,182,051
48 $ 1,456,690 $ 452,731 $ 1,003,959 $ 29,178,092
49 $ 1,456,690 $ 437,671 $ 1,019,019 $ 28,159,073
50 $ 1,456,690 $ 422,386 $ 1,034,304 $ 27,124,769
51 $ 1,456,690 $ 406,872 $ 1,049,818 $ 26,074,951
52 $ 1,456,690 $ 391,124 $ 1,065,566 $ 25,009,385
53 $ 1,456,690 $ 375,141 $ 1,081,549 $ 23,927,836
54 $ 1,456,690 $ 358,918 $ 1,097,772 $ 22,830,063
55 $ 1,456,690 $ 342,451 $ 1,114,239 $ 21,715,824
56 $ 1,456,690 $ 325,737 $ 1,130,953 $ 20,584,871
57 $ 1,456,690 $ 308,773 $ 1,147,917 $ 19,436,954
58 $ 1,456,690 $ 291,554 $ 1,165,136 $ 18,271,819
59 $ 1,456,690 $ 274,077 $ 1,182,613 $ 17,089,206
60 $ 1,456,690 $ 256,338 $ 1,200,352 $ 15,888,854
61 $ 1,456,690 $ 238,333 $ 1,218,357 $ 14,670,497
62 $ 1,456,690 $ 220,057 $ 1,236,633 $ 13,433,864
63 $ 1,456,690 $ 201,508 $ 1,255,182 $ 12,178,682
64 $ 1,456,690 $ 182,680 $ 1,274,010 $ 10,904,672
65 $ 1,456,690 $ 163,570 $ 1,293,120 $ 9,611,552
66 $ 1,456,690 $ 144,173 $ 1,312,517 $ 8,299,036
67 $ 1,456,690 $ 124,486 $ 1,332,204 $ 6,966,831
68 $ 1,456,690 $ 104,502 $ 1,352,188 $ 5,614,644
69 $ 1,456,690 $ 84,220 $ 1,372,470 $ 4,242,173
70 $ 1,456,690 $ 63,633 $ 1,393,057 $ 2,849,116
71 $ 1,456,690 $ 42,737 $ 1,413,953 $ 1,435,163
72 $ 1,456,690 $ 21,527 $ 1,435,163 $ 0
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6 Depositos
7 anuales
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Ejercicio Parcial 2 Hoy

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Ejercicio Parcial 2 Hoy

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Deuda

Ejercicio de Clase 1 Tasa Constante Plazo (meses)

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Intereses, I Abono Capital, k

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Saldo Pendiente Interes

Saldo Pendiente Intereses, I Abono Capital, k

e saldo en el tiempo (Ej. 1 vs Ej. 2)

o Pendiente Intereses, I Abono Capital, k Intereses, I Abono Capital, k

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Saldo Pendiente Interes

Saldo Pendiente Intereses, I Abono Capital, k

e saldo en el tiempo (Ej. 1 vs Ej. 2)

o Pendiente Intereses, I Abono Capital, k Intereses, I Abono Capital, k

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Saldo Pendiente Interes

mbio de saldo en el tiempo

Saldo Pendiente Intereses, I Abono Capital, k

e saldo en el tiempo (Ej. 1 vs Ej. 2)

o Pendiente Intereses, I Abono Capital, k Intereses, I Abono Capital, k

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Saldo Pendiente Interes

mbio de saldo en el tiempo

Saldo Pendiente Intereses, I Abono Capital, k

e saldo en el tiempo (Ej. 1 vs Ej. 2)

o Pendiente Intereses, I Abono Capital, k Intereses, I Abono Capital, k

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Saldo Pendiente Interes

mbio de saldo en el tiempo

Saldo Pendiente Intereses, I Abono Capital, k

e saldo en el tiempo (Ej. 1 vs Ej. 2)

o Pendiente Intereses, I Abono Capital, k Intereses, I Abono Capital, k

Periodo Cuota Intereses, I Abono Capital, k

Saldo Pendiente Intereses, I Abono Capital, k

Pagos trimestrales $ 1,800,000

Pago de cancelacion del prestamo $ 12,939,981.18

VP $ 13,154,592.28 De los 15 millones

CUOTAS $ 3,457,478.30 EN BIMESTRES YA QUE SE

VNA $ 27,937,222.20 $ 27,937,222.20

Cuotas $ 200,000 Son 24

Periodos Cuotas Intereses Capital Saldos

Periodos Cuotas Intereses Capital Saldos

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