# furgonetas= 4

Precio furgoneta= $36,000,000

P total= $144,000,000
i= 1.50% mensual
n= 72 meses
A= $3,284,321.92

PERIODOS CUOTA INTERÉS

0 0 0
1 $3,284,321.92 $ 2,160,000.00
2 $3,284,321.92 $ 2,143,135.17
3 $3,284,321.92 $ 2,126,017.37
4 $3,284,321.92 $ 2,108,642.80
5 $3,284,321.92 $ 2,091,007.62
6 $3,284,321.92 $ 2,073,107.90
7 $3,284,321.92 $ 2,054,939.69
8 $3,284,321.92 $ 2,036,498.96
9 $3,284,321.92 $ 2,017,781.61
10 $3,284,321.92 $ 1,998,783.51
11 $3,284,321.92 $ 1,979,500.43
12 $3,284,321.92 $ 1,959,928.11
13 $3,284,321.92 $ 1,940,062.20
14 $3,284,321.92 $ 1,919,898.31
15 $3,284,321.92 $ 1,899,431.95
16 $3,284,321.92 $ 1,878,658.60
17 $3,284,321.92 $ 1,857,573.65
18 $3,284,321.92 $ 1,836,172.43
19 $3,284,321.92 $ 1,814,450.19
20 $3,284,321.92 $ 1,792,402.11
21 $3,284,321.92 $ 1,770,023.31
22 $3,284,321.92 $ 1,747,308.84
23 $3,284,321.92 $ 1,724,253.64
24 $3,284,321.92 $ 1,700,852.61
25 $3,284,321.92 $ 1,677,100.58
26 $3,284,321.92 $ 1,652,992.26
27 $3,284,321.92 $ 1,628,522.31
28 $3,284,321.92 $ 1,603,685.32
29 $3,284,321.92 $ 1,578,475.77
30 $3,284,321.92 $ 1,552,888.08
31 $3,284,321.92 $ 1,526,916.57
32 $3,284,321.92 $ 1,500,555.49
33 $3,284,321.92 $ 1,473,798.99
34 $3,284,321.92 $ 1,446,641.15
35 $3,284,321.92 $ 1,419,075.94
36 $3,284,321.92 $ 1,391,097.25
37 $3,284,321.92 $ 1,362,698.88
38 $3,284,321.92 $ 1,333,874.53
39 $3,284,321.92 $ 1,304,617.82
40 $3,284,321.92 $ 1,274,922.26
41 $3,284,321.92 $ 1,244,781.26
42 $3,284,321.92 $ 1,214,188.15
43 $3,284,321.92 $ 1,183,136.15
44 $3,284,321.92 $ 1,151,618.36
45 $3,284,321.92 $ 1,119,627.81
46 $3,284,321.92 $ 1,087,157.40
47 $3,284,321.92 $ 1,054,199.93
48 $3,284,321.92 $ 1,020,748.10
49 $3,284,321.92 $ 986,794.49
50 $3,284,321.92 $ 952,331.58
51 $3,284,321.92 $ 917,351.72
52 $3,284,321.92 $ 881,847.17
53 $3,284,321.92 $ 845,810.05
54 $3,284,321.92 $ 809,232.37
55 $3,284,321.92 $ 772,106.03
56 $3,284,321.92 $ 734,422.79
57 $3,284,321.92 $ 696,174.30
58 $3,284,321.92 $ 657,352.09
59 $3,284,321.92 $ 617,947.54
60 $3,284,321.92 $ 577,951.93
61 $3,284,321.92 $ 537,356.38
62 $3,284,321.92 $ 496,151.89
63 $3,284,321.92 $ 454,329.34
64 $3,284,321.92 $ 411,879.45
65 $3,284,321.92 $ 368,792.82
66 $3,284,321.92 $ 325,059.88
67 $3,284,321.92 $ 280,670.95
68 $3,284,321.92 $ 235,616.19
69 $3,284,321.92 $ 189,885.60
70 $3,284,321.92 $ 143,469.05
71 $3,284,321.92 $ 96,356.26
72 $3,284,321.92 $ 48,536.78

Interes= $92,471,178
AMORTIZACIÓN A
SALDO
CAPITAL
0 $144,000,000
$ 1,124,321.92 $142,875,678
$ 1,141,186.75 $141,734,491
$ 1,158,304.55 $140,576,187
$ 1,175,679.11 $139,400,508
$ 1,193,314.30 $138,207,193
$ 1,211,214.02 $136,995,979
$ 1,229,382.23 $135,766,597
$ 1,247,822.96 $134,518,774
$ 1,266,540.30 $133,252,234
$ 1,285,538.41 $131,966,695
$ 1,304,821.48 $130,661,874
$ 1,324,393.81 $129,337,480
$ 1,344,259.71 $127,993,220
$ 1,364,423.61 $126,628,797
$ 1,384,889.96 $125,243,907
$ 1,405,663.31 $123,838,244
$ 1,426,748.26 $122,411,495
$ 1,448,149.49 $120,963,346
$ 1,469,871.73 $119,493,474
$ 1,491,919.80 $118,001,554
$ 1,514,298.60 $116,487,256
$ 1,537,013.08 $114,950,243
$ 1,560,068.28 $113,390,174
$ 1,583,469.30 $111,806,705
$ 1,607,221.34 $110,199,484
$ 1,631,329.66 $108,568,154
$ 1,655,799.61 $106,912,354
$ 1,680,636.60 $105,231,718
$ 1,705,846.15 $103,525,872
$ 1,731,433.84 $101,794,438
$ 1,757,405.35 $100,037,032
$ 1,783,766.43 $98,253,266
$ 1,810,522.93 $96,442,743
$ 1,837,680.77 $94,605,062
$ 1,865,245.98 $92,739,816
$ 1,893,224.67 $90,846,592
$ 1,921,623.04 $88,924,969
$ 1,950,447.39 $86,974,521
$ 1,979,704.10 $84,994,817
$ 2,009,399.66 $82,985,418
$ 2,039,540.65 $80,945,877
$ 2,070,133.76 $78,875,743
$ 2,101,185.77 $76,774,557
$ 2,132,703.56 $74,641,854
$ 2,164,694.11 $72,477,160
$ 2,197,164.52 $70,279,995
$ 2,230,121.99 $68,049,873
$ 2,263,573.82 $65,786,299
$ 2,297,527.43 $63,488,772
$ 2,331,990.34 $61,156,782
$ 2,366,970.19 $58,789,811
$ 2,402,474.75 $56,387,337
$ 2,438,511.87 $53,948,825
$ 2,475,089.54 $51,473,735
$ 2,512,215.89 $48,961,519
$ 2,549,899.13 $46,411,620
$ 2,588,147.61 $43,823,473
$ 2,626,969.83 $41,196,503
$ 2,666,374.37 $38,530,128
$ 2,706,369.99 $35,823,758
$ 2,746,965.54 $33,076,793
$ 2,788,170.02 $30,288,623
$ 2,829,992.57 $27,458,630
$ 2,872,442.46 $24,586,188
$ 2,915,529.10 $21,670,659
$ 2,959,262.04 $18,711,397
$ 3,003,650.97 $15,707,746
$ 3,048,705.73 $12,659,040
$ 3,094,436.32 $9,564,604
$ 3,140,852.86 $6,423,751
$ 3,187,965.65 $3,235,785
$ 3,235,785.14 -$0
 # furgonetas= 4
Precio furgoneta= $35,000,000
Cuota inicial= $ 35,000,000.00
P total= $140,000,000
r= 24% NACMensualmente
i= 2% Mensual
n= 72 meses
A= $2,764,317.22

PERIODOS CUOTA

0 $ 35,000,000.00
1 $2,764,317.22
2 $2,764,317.22
3 $2,764,317.22
4 $2,764,317.22
5 $2,764,317.22
6 $2,764,317.22
7 $2,764,317.22
8 $2,764,317.22
9 $2,764,317.22
10 $2,764,317.22
11 $2,764,317.22
12 $2,764,317.22
13 $2,764,317.22
14 $2,764,317.22
15 $2,764,317.22
16 $2,764,317.22
17 $2,764,317.22
18 $2,764,317.22
19 $2,764,317.22
20 $2,764,317.22
21 $2,764,317.22
22 $2,764,317.22
23 $2,764,317.22
24 $2,764,317.22
25 $2,764,317.22
26 $2,764,317.22
27 $2,764,317.22
28 $2,764,317.22
29 $2,764,317.22
30 $2,764,317.22
31 $2,764,317.22
32 $2,764,317.22
33 $2,764,317.22
34 $2,764,317.22
35 $2,764,317.22
36 $2,764,317.22
37 $2,764,317.22
38 $2,764,317.22
39 $2,764,317.22
40 $2,764,317.22
41 $2,764,317.22
42 $2,764,317.22
43 $2,764,317.22
44 $2,764,317.22
45 $2,764,317.22
46 $2,764,317.22
47 $2,764,317.22
48 $2,764,317.22
49 $2,764,317.22
50 $2,764,317.22
51 $2,764,317.22
52 $2,764,317.22
53 $2,764,317.22
54 $2,764,317.22
55 $2,764,317.22
56 $2,764,317.22
57 $2,764,317.22
58 $2,764,317.22
59 $2,764,317.22
60 $2,764,317.22
61 $2,764,317.22
62 $2,764,317.22
63 $2,764,317.22
64 $2,764,317.22
65 $2,764,317.22
66 $2,764,317.22
67 $2,764,317.22
68 $2,764,317.22
69 $2,764,317.22
70 $2,764,317.22
71 $2,764,317.22
72 $2,764,317.22
 AMORTIZACIÓN A
INTERÉS SALDO
CAPITAL
$ - $ 35,000,000.00 $ 105,000,000.00
$ 2,100,000.00 $ 664,317.22 $104,335,683
$ 2,086,713.66 $ 677,603.57 $103,658,079
$ 2,073,161.58 $ 691,155.64 $102,966,924
$ 2,059,338.47 $ 704,978.75 $102,261,945
$ 2,045,238.90 $ 719,078.33 $101,542,866
$ 2,030,857.33 $ 733,459.89 $100,809,407
$ 2,016,188.13 $ 748,129.09 $100,061,277
$ 2,001,225.55 $ 763,091.67 $99,298,186
$ 1,985,963.72 $ 778,353.51 $98,519,832
$ 1,970,396.65 $ 793,920.58 $97,725,912
$ 1,954,518.23 $ 809,798.99 $96,916,113
$ 1,938,322.25 $ 825,994.97 $96,090,118
$ 1,921,802.36 $ 842,514.87 $95,247,603
$ 1,904,952.06 $ 859,365.17 $94,388,238
$ 1,887,764.75 $ 876,552.47 $93,511,685
$ 1,870,233.71 $ 894,083.52 $92,617,602
$ 1,852,352.04 $ 911,965.19 $91,705,637
$ 1,834,112.73 $ 930,204.49 $90,775,432
$ 1,815,508.64 $ 948,808.58 $89,826,623
$ 1,796,532.47 $ 967,784.75 $88,858,839
$ 1,777,176.77 $ 987,140.45 $87,871,698
$ 1,757,433.97 $ 1,006,883.26 $86,864,815
$ 1,737,296.30 $ 1,027,020.92 $85,837,794
$ 1,716,755.88 $ 1,047,561.34 $84,790,233
$ 1,695,804.66 $ 1,068,512.57 $83,721,720
$ 1,674,434.40 $ 1,089,882.82 $82,631,837
$ 1,652,636.75 $ 1,111,680.48 $81,520,157
$ 1,630,403.14 $ 1,133,914.09 $80,386,243
$ 1,607,724.86 $ 1,156,592.37 $79,229,650
$ 1,584,593.01 $ 1,179,724.22 $78,049,926
$ 1,560,998.52 $ 1,203,318.70 $76,846,608
$ 1,536,932.15 $ 1,227,385.07 $75,619,222
$ 1,512,384.45 $ 1,251,932.78 $74,367,290
$ 1,487,345.79 $ 1,276,971.43 $73,090,318
$ 1,461,806.36 $ 1,302,510.86 $71,787,807
$ 1,435,756.15 $ 1,328,561.08 $70,459,246
$ 1,409,184.93 $ 1,355,132.30 $69,104,114
$ 1,382,082.28 $ 1,382,234.94 $67,721,879
$ 1,354,437.58 $ 1,409,879.64 $66,311,999
$ 1,326,239.99 $ 1,438,077.24 $64,873,922
$ 1,297,478.44 $ 1,466,838.78 $63,407,083
$ 1,268,141.67 $ 1,496,175.56 $61,910,908
$ 1,238,218.16 $ 1,526,099.07 $60,384,809
$ 1,207,696.18 $ 1,556,621.05 $58,828,188
$ 1,176,563.75 $ 1,587,753.47 $57,240,434
$ 1,144,808.69 $ 1,619,508.54 $55,620,926
$ 1,112,418.51 $ 1,651,898.71 $53,969,027
$ 1,079,380.54 $ 1,684,936.68 $52,284,090
$ 1,045,681.81 $ 1,718,635.42 $50,565,455
$ 1,011,309.10 $ 1,753,008.13 $48,812,447
$ 976,248.94 $ 1,788,068.29 $47,024,378
$ 940,487.57 $ 1,823,829.65 $45,200,549
$ 904,010.98 $ 1,860,306.25 $43,340,243
$ 866,804.85 $ 1,897,512.37 $41,442,730
$ 828,854.60 $ 1,935,462.62 $39,507,268
$ 790,145.35 $ 1,974,171.87 $37,533,096
$ 750,661.91 $ 2,013,655.31 $35,519,440
$ 710,388.81 $ 2,053,928.42 $33,465,512
$ 669,310.24 $ 2,095,006.98 $31,370,505
$ 627,410.10 $ 2,136,907.12 $29,233,598
$ 584,671.96 $ 2,179,645.27 $27,053,953
$ 541,079.05 $ 2,223,238.17 $24,830,714
$ 496,614.29 $ 2,267,702.94 $22,563,012
$ 451,260.23 $ 2,313,056.99 $20,249,955
$ 404,999.09 $ 2,359,318.13 $17,890,636
$ 357,812.73 $ 2,406,504.50 $15,484,132
$ 309,682.64 $ 2,454,634.59 $13,029,497
$ 260,589.95 $ 2,503,727.28 $10,525,770
$ 210,515.40 $ 2,553,801.82 $7,971,968
$ 159,439.36 $ 2,604,877.86 $5,367,090
$ 107,341.81 $ 2,656,975.42 $2,710,115
$ 54,202.30 $ 2,710,114.93 -$0

Interés= $ 94,030,840.16
 # furgonetas= 4
Precio furgoneta= $ 35,000,000
Cuota inicial= $ 35,000,000
P total= $ 140,000,000
i= 24% Anual
i= 1.8088% Mensual
n= 72
A= $ 2,619,894.89
Seguro= $ 60,000.00
PERIODOS CUOTA

0 $ 35,000,000.00
1 $ 2,619,894.89
2 $ 2,619,894.89
3 $ 2,619,894.89
4 $ 2,619,894.89
5 $ 2,619,894.89
6 $ 2,619,894.89
7 $ 2,619,894.89
8 $ 2,619,894.89
9 $ 2,619,894.89
10 $ 2,619,894.89
11 $ 2,619,894.89
12 $ 2,619,894.89
13 $ 2,619,894.89
14 $ 2,619,894.89
15 $ 2,619,894.89
16 $ 2,619,894.89
17 $ 2,619,894.89
18 $ 2,619,894.89
19 $ 2,619,894.89
20 $ 2,619,894.89
21 $ 2,619,894.89
22 $ 2,619,894.89
23 $ 2,619,894.89
24 $ 2,619,894.89
25 $ 2,619,894.89
26 $ 2,619,894.89
27 $ 2,619,894.89
28 $ 2,619,894.89
29 $ 2,619,894.89
30 $ 2,619,894.89
31 $ 2,619,894.89
32 $ 2,619,894.89
33 $ 2,619,894.89
34 $ 2,619,894.89
35 $ 2,619,894.89
36 $ 2,619,894.89
37 $ 2,619,894.89
38 $ 2,619,894.89
39 $ 2,619,894.89
40 $ 2,619,894.89
41 $ 2,619,894.89
42 $ 2,619,894.89
43 $ 2,619,894.89
44 $ 2,619,894.89
45 $ 2,619,894.89
46 $ 2,619,894.89
47 $ 2,619,894.89
48 $ 2,619,894.89
49 $ 2,619,894.89
50 $ 2,619,894.89
51 $ 2,619,894.89
52 $ 2,619,894.89
53 $ 2,619,894.89
54 $ 2,619,894.89
55 $ 2,619,894.89
56 $ 2,619,894.89
57 $ 2,619,894.89
58 $ 2,619,894.89
59 $ 2,619,894.89
60 $ 2,619,894.89
61 $ 2,619,894.89
62 $ 2,619,894.89
63 $ 2,619,894.89
64 $ 2,619,894.89
65 $ 2,619,894.89
66 $ 2,619,894.89
67 $ 2,619,894.89
68 $ 2,619,894.89
69 $ 2,619,894.89
70 $ 2,619,894.89
71 $ 2,619,894.89
72 $ 2,619,894.89
 AMORTIZACIÓN A
seguro INTERÉS SALDO
CAPITAL
$ 60,000.00 $ - $ 35,000,000.00 $ 105,000,000.00
$ 60,000.00 $ 1,899,196.16 $ 720,698.73 $ 104,279,301.27
$ 60,000.00 $ 1,886,160.46 $ 733,734.43 $ 103,545,566.84
$ 60,000.00 $ 1,872,888.98 $ 747,005.91 $ 102,798,560.93
$ 60,000.00 $ 1,859,377.45 $ 760,517.44 $ 102,038,043.49
$ 60,000.00 $ 1,845,621.53 $ 774,273.36 $ 101,263,770.13
$ 60,000.00 $ 1,831,616.79 $ 788,278.10 $ 100,475,492.03
$ 60,000.00 $ 1,817,358.75 $ 802,536.14 $ 99,672,955.89
$ 60,000.00 $ 1,802,842.81 $ 817,052.08 $ 98,855,903.81
$ 60,000.00 $ 1,788,064.31 $ 831,830.58 $ 98,024,073.23
$ 60,000.00 $ 1,773,018.51 $ 846,876.38 $ 97,177,196.85
$ 60,000.00 $ 1,757,700.56 $ 862,194.33 $ 96,315,002.52
$ 60,000.00 $ 1,742,105.55 $ 877,789.34 $ 95,437,213.18
$ 60,000.00 $ 1,726,228.47 $ 893,666.43 $ 94,543,546.76
$ 60,000.00 $ 1,710,064.20 $ 909,830.69 $ 93,633,716.07
$ 60,000.00 $ 1,693,607.56 $ 926,287.33 $ 92,707,428.74
$ 60,000.00 $ 1,676,853.26 $ 943,041.63 $ 91,764,387.11
$ 60,000.00 $ 1,659,795.92 $ 960,098.97 $ 90,804,288.14
$ 60,000.00 $ 1,642,430.05 $ 977,464.84 $ 89,826,823.30
$ 60,000.00 $ 1,624,750.08 $ 995,144.82 $ 88,831,678.49
$ 60,000.00 $ 1,606,750.31 $ 1,013,144.58 $ 87,818,533.91
$ 60,000.00 $ 1,588,424.98 $ 1,031,469.92 $ 86,787,063.99
$ 60,000.00 $ 1,569,768.18 $ 1,050,126.71 $ 85,736,937.28
$ 60,000.00 $ 1,550,773.92 $ 1,069,120.97 $ 84,667,816.31
$ 60,000.00 $ 1,531,436.11 $ 1,088,458.78 $ 83,579,357.53
$ 60,000.00 $ 1,511,748.52 $ 1,108,146.37 $ 82,471,211.16
$ 60,000.00 $ 1,491,704.83 $ 1,128,190.06 $ 81,343,021.11
$ 60,000.00 $ 1,471,298.60 $ 1,148,596.29 $ 80,194,424.82
$ 60,000.00 $ 1,450,523.27 $ 1,169,371.62 $ 79,025,053.20
$ 60,000.00 $ 1,429,372.17 $ 1,190,522.72 $ 77,834,530.48
$ 60,000.00 $ 1,407,838.49 $ 1,212,056.40 $ 76,622,474.08
$ 60,000.00 $ 1,385,915.32 $ 1,233,979.57 $ 75,388,494.51
$ 60,000.00 $ 1,363,595.61 $ 1,256,299.28 $ 74,132,195.23
$ 60,000.00 $ 1,340,872.20 $ 1,279,022.70 $ 72,853,172.53
$ 60,000.00 $ 1,317,737.77 $ 1,302,157.12 $ 71,551,015.41
$ 60,000.00 $ 1,294,184.89 $ 1,325,710.00 $ 70,225,305.41
$ 60,000.00 $ 1,270,206.00 $ 1,349,688.89 $ 68,875,616.52
$ 60,000.00 $ 1,245,793.39 $ 1,374,101.50 $ 67,501,515.03
$ 60,000.00 $ 1,220,939.22 $ 1,398,955.67 $ 66,102,559.36
$ 60,000.00 $ 1,195,635.49 $ 1,424,259.40 $ 64,678,299.96
$ 60,000.00 $ 1,169,874.09 $ 1,450,020.81 $ 63,228,279.15
$ 60,000.00 $ 1,143,646.71 $ 1,476,248.18 $ 61,752,030.98
$ 60,000.00 $ 1,116,944.95 $ 1,502,949.94 $ 60,249,081.04
$ 60,000.00 $ 1,089,760.22 $ 1,530,134.67 $ 58,718,946.37
$ 60,000.00 $ 1,062,083.79 $ 1,557,811.11 $ 57,161,135.27
$ 60,000.00 $ 1,033,906.75 $ 1,585,988.14 $ 55,575,147.12
$ 60,000.00 $ 1,005,220.06 $ 1,614,674.83 $ 53,960,472.29
$ 60,000.00 $ 976,014.49 $ 1,643,880.40 $ 52,316,591.89
$ 60,000.00 $ 946,280.67 $ 1,673,614.22 $ 50,642,977.67
$ 60,000.00 $ 916,009.04 $ 1,703,885.86 $ 48,939,091.82
$ 60,000.00 $ 885,189.86 $ 1,734,705.03 $ 47,204,386.79
$ 60,000.00 $ 853,813.24 $ 1,766,081.65 $ 45,438,305.13
$ 60,000.00 $ 821,869.09 $ 1,798,025.80 $ 43,640,279.33
$ 60,000.00 $ 789,347.15 $ 1,830,547.74 $ 41,809,731.60
$ 60,000.00 $ 756,236.97 $ 1,863,657.92 $ 39,946,073.67
$ 60,000.00 $ 722,527.90 $ 1,897,366.99 $ 38,048,706.68
$ 60,000.00 $ 688,209.12 $ 1,931,685.77 $ 36,117,020.91
$ 60,000.00 $ 653,269.59 $ 1,966,625.30 $ 34,150,395.62
$ 60,000.00 $ 617,698.10 $ 2,002,196.79 $ 32,148,198.82
$ 60,000.00 $ 581,483.20 $ 2,038,411.69 $ 30,109,787.13
$ 60,000.00 $ 544,613.26 $ 2,075,281.63 $ 28,034,505.50
$ 60,000.00 $ 507,076.43 $ 2,112,818.46 $ 25,921,687.04
$ 60,000.00 $ 468,860.65 $ 2,151,034.24 $ 23,770,652.80
$ 60,000.00 $ 429,953.64 $ 2,189,941.25 $ 21,580,711.55
$ 60,000.00 $ 390,342.90 $ 2,229,551.99 $ 19,351,159.56
$ 60,000.00 $ 350,015.69 $ 2,269,879.20 $ 17,081,280.36
$ 60,000.00 $ 308,959.07 $ 2,310,935.82 $ 14,770,344.54
$ 60,000.00 $ 267,159.83 $ 2,352,735.07 $ 12,417,609.47
$ 60,000.00 $ 224,604.54 $ 2,395,290.36 $ 10,022,319.12
$ 60,000.00 $ 181,279.52 $ 2,438,615.37 $ 7,583,703.75
$ 60,000.00 $ 137,170.87 $ 2,482,724.02 $ 5,100,979.72
$ 60,000.00 $ 92,264.39 $ 2,527,630.50 $ 2,573,349.22
$ 60,000.00 $ 46,545.67 $ 2,573,349.22 $ 0.0

interés= $ 83,632,432.17
Solución preguntas
A. Determinar el total de interés en dinero que se paga en cada una de las alternativas.

Interés 1.1= $ 92,471,177.98

Interés 1.2= $ 94,030,840.16
interés 1.3= $ 83,632,432.17

B. Aconsejar sobre la alternativa más conveniente para el empresario.

La mejor opcion que puede tomar el empresario es la opcion 1.3 ya que seria en la que pagaría menos por los 4 vehiculos teni

C. ¿Cómo cambiaria su consejo si el empresario tuviera $140.000.000 invertidos en un producto financiero que le proporcio
nos por los 4 vehiculos teniendo un interes de = $ 83,632,432.17

financiero que le proporciona un rendimiento de 15% efectivo anual?

Prestamo= $80,000,000
r= 30% NACTrimestralmente
i= 7.5%
n= 7 años n= 28
A= $6,912,415.94

PERIODOS CUOTA

0 $ -
1 $6,912,415.94
2 $6,912,415.94
3 $6,912,415.94
4 $6,912,415.94
5 $6,912,415.94
6 $6,912,415.94
7 $6,912,415.94
8 $6,912,415.94
9 $6,912,415.94
10 $6,912,415.94
11 $6,912,415.94
12 $6,912,415.94
13 $6,912,415.94
14 $6,912,415.94
15 $6,912,415.94
16 $6,912,415.94
17 $6,912,415.94
18 $6,912,415.94
19 $6,912,415.94
20 $6,912,415.94
21 $6,912,415.94
22 $6,912,415.94
23 $6,912,415.94
24 $6,912,415.94
25 $6,912,415.94
26 $6,912,415.94
27 $6,912,415.94
28 $6,912,415.94
 a.¿Cuál es el valor de las cuotas trimestrales?

Trimestres b.¿Cuál es el capital pendiente de amortizar al finalizar

c. ¿Cuánto dinero se amortizo a capital en la cuota 12?

AMORTIZACIÓN A
INTERÉS SALDO d.¿Cuánto dinero total se ha pagado en interés al final
CAPITAL
$ - $ - $80,000,000
$ 6,000,000.0 $ 912,415.94 $79,087,584
$ 5,931,568.8 $ 980,847.14 $78,106,737
$ 5,858,005.3 $ 1,054,410.67 $77,052,326
$ 5,778,924.5 $ 1,133,491.47 $75,918,835
$ 5,693,912.6 $ 1,218,503.33 $74,700,331
$ 5,602,524.9 $ 1,309,891.08 $73,390,440
$ 5,504,283.0 $ 1,408,132.91 $71,982,307
$ 5,398,673.1 $ 1,513,742.88 $70,468,565
$ 5,285,142.3 $ 1,627,273.60 $68,841,291
$ 5,163,096.8 $ 1,749,319.12 $67,091,972
$ 5,031,897.9 $ 1,880,518.05 $65,211,454
$ 4,890,859.0 $ 2,021,556.90 $63,189,897
$ 4,739,242.3 $ 2,173,173.67 $61,016,723
$ 4,576,254.2 $ 2,336,161.70 $58,680,562
$ 4,401,042.1 $ 2,511,373.83 $56,169,188
$ 4,212,689.1 $ 2,699,726.86 $53,469,461
$ 4,010,209.6 $ 2,902,206.38 $50,567,254
$ 3,792,544.1 $ 3,119,871.86 $47,447,383
$ 3,558,553.7 $ 3,353,862.24 $44,093,520
$ 3,307,014.0 $ 3,605,401.91 $40,488,118
$ 3,036,608.9 $ 3,875,807.06 $36,612,311
$ 2,745,923.4 $ 4,166,492.59 $32,445,819
$ 2,433,436.4 $ 4,478,979.53 $27,966,839
$ 2,097,512.9 $ 4,814,902.99 $23,151,936
$ 1,736,395.2 $ 5,176,020.72 $17,975,916
$ 1,348,193.7 $ 5,564,222.27 $12,411,693
$ 930,877.0 $ 5,981,538.94 $6,430,154
$ 482,261.6 $ 6,430,154.36 -$0

Interés total= $ 113,547,646.33

or de las cuotas trimestrales? $6,912,415.94

ital pendiente de amortizar al finalizar el tercer año? $63,189,897

o se amortizo a capital en la cuota 12? $ 2,021,556.90

o total se ha pagado en interés al finalizar el cuarto año? $ 84,068,115.89

Prestamo= $80,000,000
r= 30% NACTrimestralmente
i= 7.5%
n= 7 años n= 28
A= $6,912,415.94
ABONO= $30,000,000

PERIODOS CUOTA
0 $ -
1 $6,912,415.94
2 $6,912,415.94
3 $6,912,415.94
4 $6,912,415.94
5 $6,912,415.94
6 $6,912,415.94
7 $6,912,415.94
8 $6,912,415.94
9 $6,912,415.94
10 $6,912,415.94
11 $6,912,415.94
12 $6,912,415.94
13 $3,630,681.23
14 $3,630,681.23
15 $3,630,681.23
16 $3,630,681.23
17 $3,630,681.23
18 $3,630,681.23
19 $3,630,681.23
20 $3,630,681.23
21 $3,630,681.23
22 $3,630,681.23
23 $3,630,681.23
24 $3,630,681.23
25 $3,630,681.23
26 $3,630,681.23
27 $3,630,681.23
28 $3,630,681.23

Nuevo valor de las cuotas= $3,630,681.23

Trimestres

INTERÉS AMORTIZACIÓN A CAPITAL SALDO

$ - $ - $80,000,000
$ 6,000,000.0 $ 912,415.94 $79,087,584
$ 5,931,568.8 $ 980,847.14 $78,106,737
$ 5,858,005.3 $ 1,054,410.67 $77,052,326
$ 5,778,924.5 $ 1,133,491.47 $75,918,835
$ 5,693,912.6 $ 1,218,503.33 $74,700,331
$ 5,602,524.9 $ 1,309,891.08 $73,390,440
$ 5,504,283.0 $ 1,408,132.91 $71,982,307
$ 5,398,673.1 $ 1,513,742.88 $70,468,565
$ 5,285,142.3 $ 1,627,273.60 $68,841,291
$ 5,163,096.8 $ 1,749,319.12 $67,091,972
$ 5,031,897.9 $ 1,880,518.05 $65,211,454
$ 4,890,859.0 $ 2,021,556.90 $33,189,897
$ 2,489,242.3 $ 1,141,438.96 $32,048,458
$ 2,403,634.3 $ 1,227,046.88 $30,821,411
$ 2,311,605.8 $ 1,319,075.40 $29,502,336
$ 2,212,675.2 $ 1,418,006.05 $28,084,330
$ 2,106,324.7 $ 1,524,356.51 $26,559,973
$ 1,991,998.0 $ 1,638,683.24 $24,921,290
$ 1,869,096.7 $ 1,761,584.49 $23,159,705
$ 1,736,977.9 $ 1,893,703.32 $21,266,002
$ 1,594,950.2 $ 2,035,731.07 $19,230,271
$ 1,442,270.3 $ 2,188,410.90 $17,041,860
$ 1,278,139.5 $ 2,352,541.72 $14,689,318
$ 1,101,698.9 $ 2,528,982.35 $12,160,336
$ 912,025.2 $ 2,718,656.03 $9,441,680
$ 708,126.0 $ 2,922,555.23 $6,519,125
$ 488,934.4 $ 3,141,746.87 $3,377,378
$ 253,303.3 $ 3,377,377.89 $0

Interés total= $ 91,039,890.91

Prestamo= $80,000,000
r= 30% NACTrimestralmente
i= 7.5%
n= 7 años n= 28
A= $6,912,415.94
ABONO= $30,000,000

PERIODOS CUOTA

0 $ -
1 $6,912,415.94
2 $6,912,415.94
3 $6,912,415.94
4 $6,912,415.94
5 $6,912,415.94
6 $6,912,415.94
7 $6,912,415.94
8 $6,912,415.94
9 $6,912,415.94
10 $6,912,415.94
11 $6,912,415.94
12 $6,912,415.94
13 $6,912,415.94
14 $6,912,415.94
15 $6,912,415.94
16 $6,912,415.94
17 $6,912,415.94
18 $6,912,415.94
19 $1,234,462.11
Trimestres

AMORTIZACIÓN A
INTERÉS SALDO
CAPITAL
$ - $ - $80,000,000
$ 6,000,000.0 $ 912,415.94 $79,087,584
$ 5,931,568.8 $ 980,847.14 $78,106,737
$ 5,858,005.3 $ 1,054,410.67 $77,052,326
$ 5,778,924.5 $ 1,133,491.47 $75,918,835
$ 5,693,912.6 $ 1,218,503.33 $74,700,331
$ 5,602,524.9 $ 1,309,891.08 $73,390,440
$ 5,504,283.0 $ 1,408,132.91 $71,982,307
$ 5,398,673.1 $ 1,513,742.88 $70,468,565
$ 5,285,142.3 $ 1,627,273.60 $68,841,291
$ 5,163,096.8 $ 1,749,319.12 $67,091,972
$ 5,031,897.9 $ 1,880,518.05 $65,211,454
$ 4,890,859.0 $ 2,021,556.90 $33,189,897
$ 2,489,242.3 $ 4,423,173.67 $28,766,723
$ 2,157,504.2 $ 4,754,911.70 $24,011,812
$ 1,800,885.9 $ 5,111,530.08 $18,900,281
$ 1,417,521.1 $ 5,494,894.83 $13,405,387
$ 1,005,404.0 $ 5,907,011.94 $7,498,375
$ 562,378.1 $ 6,350,037.84 $1,148,337
$ 86,125.3 $ 1,148,336.85 $0

Interés total= $ 75,657,949.04

 Prestamo= $133,600,000

i= 1.6% Mensual
n= 8 años n= 96
A= $2,733,061.07
Estudio de títulos= $600,000

PERIODOS CUOTA

0 $ -
1 $2,733,061.07
2 $2,733,061.07
3 $2,733,061.07
4 $2,733,061.07
5 $2,733,061.07
6 $2,733,061.07
7 $2,733,061.07
8 $2,733,061.07
9 $2,733,061.07
10 $2,733,061.07
11 $2,733,061.07
12 $2,733,061.07
13 $2,733,061.07
14 $2,733,061.07
15 $2,733,061.07
16 $2,733,061.07
17 $2,733,061.07
18 $2,733,061.07
19 $2,733,061.07
20 $2,733,061.07
21 $2,733,061.07
22 $2,733,061.07
23 $2,733,061.07
24 $2,733,061.07
25 $2,733,061.07
26 $2,733,061.07
27 $2,733,061.07
28 $2,733,061.07
29 $2,733,061.07
30 $2,733,061.07
31 $2,733,061.07
32 $2,733,061.07
33 $2,733,061.07
34 $2,733,061.07
35 $2,733,061.07
36 $2,733,061.07
37 $2,733,061.07
38 $2,733,061.07
39 $2,733,061.07
40 $2,733,061.07
41 $2,733,061.07
42 $2,733,061.07
43 $2,733,061.07
44 $2,733,061.07
45 $2,733,061.07
46 $2,733,061.07
47 $2,733,061.07
48 $2,733,061.07
49 $2,733,061.07
50 $2,733,061.07
51 $2,733,061.07
52 $2,733,061.07
53 $2,733,061.07
54 $2,733,061.07
55 $2,733,061.07
56 $2,733,061.07
57 $2,733,061.07
58 $2,733,061.07
59 $2,733,061.07
60 $2,733,061.07
61 $2,733,061.07
62 $2,733,061.07
63 $2,733,061.07
64 $2,733,061.07
65 $2,733,061.07
66 $2,733,061.07
67 $2,733,061.07
68 $2,733,061.07
69 $2,733,061.07
70 $2,733,061.07
71 $2,733,061.07
72 $2,733,061.07
73 $2,733,061.07
74 $2,733,061.07
75 $2,733,061.07
76 $2,733,061.07
77 $2,733,061.07
78 $2,733,061.07
79 $2,733,061.07
80 $2,733,061.07
81 $2,733,061.07
82 $2,733,061.07
83 $2,733,061.07
84 $2,733,061.07
85 $2,733,061.07
86 $2,733,061.07
87 $2,733,061.07
88 $2,733,061.07
89 $2,733,061.07
90 $2,733,061.07
91 $2,733,061.07
92 $2,733,061.07
93 $2,733,061.07
94 $2,733,061.07
95 $2,733,061.07
96 $2,733,061.07

interés total=
meses

AMORTIZACIÓN A
INTERÉS SALDO
CAPITAL
$ - $ - $133,600,000
$ 2,137,600.0 $ 595,461.07 $133,004,539
$ 2,128,072.6 $ 604,988.45 $132,399,550
$ 2,118,392.8 $ 614,668.26 $131,784,882
$ 2,108,558.1 $ 624,502.95 $131,160,379
$ 2,098,566.1 $ 634,495.00 $130,525,884
$ 2,088,414.1 $ 644,646.92 $129,881,237
$ 2,078,099.8 $ 654,961.27 $129,226,276
$ 2,067,620.4 $ 665,440.65 $128,560,835
$ 2,056,973.4 $ 676,087.70 $127,884,748
$ 2,046,156.0 $ 686,905.11 $127,197,843
$ 2,035,165.5 $ 697,895.59 $126,499,947
$ 2,023,999.2 $ 709,061.92 $125,790,885
$ 2,012,654.2 $ 720,406.91 $125,070,478
$ 2,001,127.7 $ 731,933.42 $124,338,545
$ 1,989,416.7 $ 743,644.35 $123,594,900
$ 1,977,518.4 $ 755,542.66 $122,839,358
$ 1,965,429.7 $ 767,631.34 $122,071,726
$ 1,953,147.6 $ 779,913.45 $121,291,813
$ 1,940,669.0 $ 792,392.06 $120,499,421
$ 1,927,990.7 $ 805,070.33 $119,694,351
$ 1,915,109.6 $ 817,951.46 $118,876,399
$ 1,902,022.4 $ 831,038.68 $118,045,360
$ 1,888,725.8 $ 844,335.30 $117,201,025
$ 1,875,216.4 $ 857,844.67 $116,343,180
$ 1,861,490.9 $ 871,570.18 $115,471,610
$ 1,847,545.8 $ 885,515.30 $114,586,095
$ 1,833,377.5 $ 899,683.55 $113,686,411
$ 1,818,982.6 $ 914,078.49 $112,772,333
$ 1,804,357.3 $ 928,703.74 $111,843,629
$ 1,789,498.1 $ 943,563.00 $110,900,066
$ 1,774,401.1 $ 958,660.01 $109,941,406
$ 1,759,062.5 $ 973,998.57 $108,967,408
$ 1,743,478.5 $ 989,582.55 $107,977,825
$ 1,727,645.2 $ 1,005,415.87 $106,972,409
$ 1,711,558.5 $ 1,021,502.52 $105,950,907
$ 1,695,214.5 $ 1,037,846.56 $104,913,060
$ 1,678,609.0 $ 1,054,452.11 $103,858,608
$ 1,661,737.7 $ 1,071,323.34 $102,787,285
$ 1,644,596.6 $ 1,088,464.51 $101,698,820
$ 1,627,181.1 $ 1,105,879.95 $100,592,940
$ 1,609,487.0 $ 1,123,574.03 $99,469,366
$ 1,591,509.9 $ 1,141,551.21 $98,327,815
$ 1,573,245.0 $ 1,159,816.03 $97,167,999
$ 1,554,688.0 $ 1,178,373.09 $95,989,626
$ 1,535,834.0 $ 1,197,227.06 $94,792,399
$ 1,516,678.4 $ 1,216,382.69 $93,576,016
$ 1,497,216.3 $ 1,235,844.81 $92,340,171
$ 1,477,442.7 $ 1,255,618.33 $91,084,553
$ 1,457,352.8 $ 1,275,708.22 $89,808,845
$ 1,436,941.5 $ 1,296,119.55 $88,512,725
$ 1,416,203.6 $ 1,316,857.47 $87,195,868
$ 1,395,133.9 $ 1,337,927.19 $85,857,941
$ 1,373,727.0 $ 1,359,334.02 $84,498,607
$ 1,351,977.7 $ 1,381,083.36 $83,117,523
$ 1,329,880.4 $ 1,403,180.70 $81,714,342
$ 1,307,429.5 $ 1,425,631.59 $80,288,711
$ 1,284,619.4 $ 1,448,441.70 $78,840,269
$ 1,261,444.3 $ 1,471,616.76 $77,368,652
$ 1,237,898.4 $ 1,495,162.63 $75,873,490
$ 1,213,975.8 $ 1,519,085.23 $74,354,405
$ 1,189,670.5 $ 1,543,390.60 $72,811,014
$ 1,164,976.2 $ 1,568,084.85 $71,242,929
$ 1,139,886.9 $ 1,593,174.20 $69,649,755
$ 1,114,396.1 $ 1,618,664.99 $68,031,090
$ 1,088,497.4 $ 1,644,563.63 $66,386,526
$ 1,062,184.4 $ 1,670,876.65 $64,715,650
$ 1,035,450.4 $ 1,697,610.68 $63,018,039
$ 1,008,288.6 $ 1,724,772.45 $61,293,267
$ 980,692.3 $ 1,752,368.80 $59,540,898
$ 952,654.4 $ 1,780,406.71 $57,760,491
$ 924,167.9 $ 1,808,893.21 $55,951,598
$ 895,225.6 $ 1,837,835.50 $54,113,762
$ 865,820.2 $ 1,867,240.87 $52,246,521
$ 835,944.3 $ 1,897,116.73 $50,349,405
$ 805,590.5 $ 1,927,470.59 $48,421,934
$ 774,750.9 $ 1,958,310.12 $46,463,624
$ 743,418.0 $ 1,989,643.09 $44,473,981
$ 711,583.7 $ 2,021,477.38 $42,452,504
$ 679,240.1 $ 2,053,821.01 $40,398,683
$ 646,378.9 $ 2,086,682.15 $38,312,000
$ 612,992.0 $ 2,120,069.06 $36,191,931
$ 579,070.9 $ 2,153,990.17 $34,037,941
$ 544,607.1 $ 2,188,454.01 $31,849,487
$ 509,591.8 $ 2,223,469.28 $29,626,018
$ 474,016.3 $ 2,259,044.78 $27,366,973
$ 437,871.6 $ 2,295,189.50 $25,071,784
$ 401,148.5 $ 2,331,912.53 $22,739,871
$ 363,837.9 $ 2,369,223.13 $20,370,648
$ 325,930.4 $ 2,407,130.70 $17,963,517
$ 287,416.3 $ 2,445,644.79 $15,517,872
$ 248,286.0 $ 2,484,775.11 $13,033,097
$ 208,529.6 $ 2,524,531.51 $10,508,566
$ 168,137.1 $ 2,564,924.02 $7,943,642
$ 127,098.3 $ 2,605,962.80 $5,337,679
$ 85,402.9 $ 2,647,658.21 $2,690,021
$ 43,040.3 $ 2,690,020.74 $0

$128,773,863
 Prestamo= $133,600,000

i= 1.6% Mensual
n= 8 años n= 96
T= $6,218,372.49
s= -3%
Estudio de títulos= $600,000

PERIODOS CUOTA

0 $ -
1 $6,218,372.49
2 $6,031,821.32
3 $5,850,866.68
4 $5,675,340.68
5 $5,505,080.46
6 $5,339,928.05
7 $5,179,730.20
8 $5,024,338.30
9 $4,873,608.15
10 $4,727,399.90
11 $4,585,577.91
12 $4,448,010.57
13 $4,314,570.25
14 $4,185,133.15
15 $4,059,579.15
16 $3,937,791.78
17 $3,819,658.02
18 $3,705,068.28
19 $3,593,916.23
20 $3,486,098.75
21 $3,381,515.78
22 $3,280,070.31
23 $3,181,668.20
24 $3,086,218.16
25 $2,993,631.61
26 $2,903,822.66
27 $2,816,707.98
28 $2,732,206.74
29 $2,650,240.54
30 $2,570,733.32
31 $2,493,611.33
32 $2,418,802.99
33 $2,346,238.90
34 $2,275,851.73
35 $2,207,576.18
36 $2,141,348.89
37 $2,077,108.42
38 $2,014,795.17
39 $1,954,351.32
40 $1,895,720.78
41 $1,838,849.15
42 $1,783,683.68
43 $1,730,173.17
44 $1,678,267.97
45 $1,627,919.93
46 $1,579,082.34
47 $1,531,709.87
48 $1,485,758.57
49 $1,441,185.81
50 $1,397,950.24
51 $1,356,011.73
52 $1,315,331.38
53 $1,275,871.44
54 $1,237,595.30
55 $1,200,467.44
56 $1,164,453.41
57 $1,129,519.81
58 $1,095,634.22
59 $1,062,765.19
60 $1,030,882.23
61 $999,955.77
62 $969,957.09
63 $940,858.38
64 $912,632.63
65 $885,253.65
66 $858,696.04
67 $832,935.16
68 $807,947.11
69 $783,708.69
70 $760,197.43
71 $737,391.51
72 $715,269.76
73 $693,811.67
74 $672,997.32
75 $652,807.40
76 $633,223.18
77 $614,226.48
78 $595,799.69
79 $577,925.70
80 $560,587.93
81 $543,770.29
82 $527,457.18
83 $511,633.47
84 $496,284.46
85 $481,395.93
86 $466,954.05
87 $452,945.43
88 $439,357.07
89 $426,176.35
90 $413,391.06
91 $400,989.33
92 $388,959.65
93 $377,290.86
94 $365,972.14
95 $354,992.97
96 $344,343.18
meses

AMORTIZACIÓN A
INTERÉS SALDO
CAPITAL
$ - $ - $ 133,600,000.00
$ 2,137,600.00 $ 4,080,772.49 $129,519,228
$ 2,072,307.64 $ 3,959,513.68 $125,559,714
$ 2,008,955.42 $ 3,841,911.26 $121,717,803
$ 1,947,484.84 $ 3,727,855.84 $117,989,947
$ 1,887,839.15 $ 3,617,241.31 $114,372,705
$ 1,829,963.29 $ 3,509,964.76 $110,862,741
$ 1,773,803.85 $ 3,405,926.35 $107,456,814
$ 1,719,309.03 $ 3,305,029.27 $104,151,785
$ 1,666,428.56 $ 3,207,179.59 $100,944,605
$ 1,615,113.69 $ 3,112,286.22 $97,832,319
$ 1,565,317.11 $ 3,020,260.80 $94,812,058
$ 1,516,992.93 $ 2,931,017.64 $91,881,041
$ 1,470,096.65 $ 2,844,473.60 $89,036,567
$ 1,424,585.08 $ 2,760,548.07 $86,276,019
$ 1,380,416.31 $ 2,679,162.84 $83,596,856
$ 1,337,549.70 $ 2,600,242.08 $80,996,614
$ 1,295,945.83 $ 2,523,712.20 $78,472,902
$ 1,255,566.43 $ 2,449,501.85 $76,023,400
$ 1,216,374.40 $ 2,377,541.83 $73,645,858
$ 1,178,333.73 $ 2,307,765.01 $71,338,093
$ 1,141,409.49 $ 2,240,106.29 $69,097,987
$ 1,105,567.79 $ 2,174,502.52 $66,923,485
$ 1,070,775.75 $ 2,110,892.45 $64,812,592
$ 1,037,001.47 $ 2,049,216.68 $62,763,375
$ 1,004,214.01 $ 1,989,417.61 $60,773,958
$ 972,383.32 $ 1,931,439.34 $58,842,518
$ 941,480.29 $ 1,875,227.69 $56,967,291
$ 911,476.65 $ 1,820,730.09 $55,146,561
$ 882,344.97 $ 1,767,895.57 $53,378,665
$ 854,058.64 $ 1,716,674.68 $51,661,990
$ 826,591.85 $ 1,667,019.48 $49,994,971
$ 799,919.53 $ 1,618,883.45 $48,376,087
$ 774,017.40 $ 1,572,221.50 $46,803,866
$ 748,861.86 $ 1,526,989.87 $45,276,876
$ 724,430.02 $ 1,483,146.16 $43,793,730
$ 700,699.68 $ 1,440,649.21 $42,353,081
$ 677,649.29 $ 1,399,459.13 $40,953,622
$ 655,257.95 $ 1,359,537.23 $39,594,084
$ 633,505.35 $ 1,320,845.97 $38,273,238
$ 612,371.81 $ 1,283,348.96 $36,989,889
$ 591,838.23 $ 1,247,010.92 $35,742,879
$ 571,886.06 $ 1,211,797.62 $34,531,081
$ 552,497.29 $ 1,177,675.87 $33,353,405
$ 533,654.48 $ 1,144,613.49 $32,208,792
$ 515,340.66 $ 1,112,579.27 $31,096,212
$ 497,539.40 $ 1,081,542.94 $30,014,669
$ 480,234.71 $ 1,051,475.16 $28,963,194
$ 463,411.11 $ 1,022,347.46 $27,940,847
$ 447,053.55 $ 994,132.27 $26,946,714
$ 431,147.43 $ 966,802.81 $25,979,912
$ 415,678.59 $ 940,333.15 $25,039,578
$ 400,633.26 $ 914,698.12 $24,124,880
$ 385,998.09 $ 889,873.35 $23,235,007
$ 371,760.11 $ 865,835.18 $22,369,172
$ 357,906.75 $ 842,560.69 $21,526,611
$ 344,425.78 $ 820,027.64 $20,706,583
$ 331,305.34 $ 798,214.48 $19,908,369
$ 318,533.90 $ 777,100.31 $19,131,269
$ 306,100.30 $ 756,664.89 $18,374,604
$ 293,993.66 $ 736,888.57 $17,637,715
$ 282,203.44 $ 717,752.32 $16,919,963
$ 270,719.41 $ 699,237.69 $16,220,725
$ 259,531.60 $ 681,326.78 $15,539,398
$ 248,630.37 $ 664,002.26 $14,875,396
$ 238,006.34 $ 647,247.31 $14,228,149
$ 227,650.38 $ 631,045.66 $13,597,103
$ 217,553.65 $ 615,381.51 $12,981,722
$ 207,707.55 $ 600,239.56 $12,381,482
$ 198,103.71 $ 585,604.98 $11,795,877
$ 188,734.03 $ 571,463.40 $11,224,414
$ 179,590.62 $ 557,800.89 $10,666,613
$ 170,665.81 $ 544,603.96 $10,122,009
$ 161,952.14 $ 531,859.53 $9,590,149
$ 153,442.39 $ 519,554.93 $9,070,594
$ 145,129.51 $ 507,677.89 $8,562,917
$ 137,006.67 $ 496,216.51 $8,066,700
$ 129,067.20 $ 485,159.28 $7,581,541
$ 121,304.65 $ 474,495.04 $7,107,046
$ 113,712.73 $ 464,212.97 $6,642,833
$ 106,285.32 $ 454,302.60 $6,188,530
$ 99,016.48 $ 444,753.81 $5,743,776
$ 91,900.42 $ 435,556.76 $5,308,220
$ 84,931.51 $ 426,701.95 $4,881,518
$ 78,104.28 $ 418,180.18 $4,463,337
$ 71,413.40 $ 409,982.53 $4,053,355
$ 64,853.68 $ 402,100.37 $3,651,255
$ 58,420.07 $ 394,525.36 $3,256,729
$ 52,107.67 $ 387,249.40 $2,869,480
$ 45,911.68 $ 380,264.68 $2,489,215
$ 39,827.44 $ 373,563.62 $2,115,652
$ 33,850.42 $ 367,138.91 $1,748,513
$ 27,976.20 $ 360,983.45 $1,387,529
$ 22,200.47 $ 355,090.39 $1,032,439
$ 16,519.02 $ 349,453.12 $682,986
$ 10,927.77 $ 344,065.20 $338,920
$ 5,422.73 $ 338,920.46 -$0

interés total= $62,545,320

 Prestamo= $133,600,000

i= 1.6% Mensual
n= 8 años n= 96
B= $2,196,695.02 A'= $ 536,366.05
G= $ 15,000.00 C'= 48.88291794921
Estudio de títulos= $600,000

PERIODOS CUOTA

0 $ -
1 $2,196,695.02
2 $2,211,695.02
3 $2,226,695.02
4 $2,241,695.02
5 $2,256,695.02
6 $2,271,695.02
7 $2,286,695.02
8 $2,301,695.02
9 $2,316,695.02
10 $2,331,695.02
11 $2,346,695.02
12 $2,361,695.02
13 $2,376,695.02
14 $2,391,695.02
15 $2,406,695.02
16 $2,421,695.02
17 $2,436,695.02
18 $2,451,695.02
19 $2,466,695.02
20 $2,481,695.02
21 $2,496,695.02
22 $2,511,695.02
23 $2,526,695.02
24 $2,541,695.02
25 $2,556,695.02
26 $2,571,695.02
27 $2,586,695.02
28 $2,601,695.02
29 $2,616,695.02
30 $2,631,695.02
31 $2,646,695.02
32 $2,661,695.02
33 $2,676,695.02
34 $2,691,695.02
35 $2,706,695.02
36 $2,721,695.02
37 $2,736,695.02
38 $2,751,695.02
39 $2,766,695.02
40 $2,781,695.02
41 $2,796,695.02
42 $2,811,695.02
43 $2,826,695.02
44 $2,841,695.02
45 $2,856,695.02
46 $2,871,695.02
47 $2,886,695.02
48 $2,901,695.02
49 $2,916,695.02
50 $2,931,695.02
51 $2,946,695.02
52 $2,961,695.02
53 $2,976,695.02
54 $2,991,695.02
55 $3,006,695.02
56 $3,021,695.02
57 $3,036,695.02
58 $3,051,695.02
59 $3,066,695.02
60 $3,081,695.02
61 $3,096,695.02
62 $3,111,695.02
63 $3,126,695.02
64 $3,141,695.02
65 $3,156,695.02
66 $3,171,695.02
67 $3,186,695.02
68 $3,201,695.02
69 $3,216,695.02
70 $3,231,695.02
71 $3,246,695.02
72 $3,261,695.02
73 $3,276,695.02
74 $3,291,695.02
75 $3,306,695.02
76 $3,321,695.02
77 $3,336,695.02
78 $3,351,695.02
79 $3,366,695.02
80 $3,381,695.02
81 $3,396,695.02
82 $3,411,695.02
83 $3,426,695.02
84 $3,441,695.02
85 $3,456,695.02
86 $3,471,695.02
87 $3,486,695.02
88 $3,501,695.02
89 $3,516,695.02
90 $3,531,695.02
91 $3,546,695.02
92 $3,561,695.02
93 $3,576,695.02
94 $3,591,695.02
95 $3,606,695.02
96 $3,621,695.02
meses

AMORTIZACIÓN A
INTERÉS SALDO
CAPITAL
$ - $ - $133,600,000
$ 2,137,600.00 $ 59,095.02 $133,540,905
$ 2,136,654.48 $ 75,040.54 $133,465,864
$ 2,135,453.83 $ 91,241.19 $133,374,623
$ 2,133,993.97 $ 107,701.05 $133,266,922
$ 2,132,270.76 $ 124,424.27 $133,142,498
$ 2,130,279.97 $ 141,415.06 $133,001,083
$ 2,128,017.33 $ 158,677.70 $132,842,405
$ 2,125,478.48 $ 176,216.54 $132,666,189
$ 2,122,659.02 $ 194,036.01 $132,472,153
$ 2,119,554.44 $ 212,140.58 $132,260,012
$ 2,116,160.19 $ 230,534.83 $132,029,477
$ 2,112,471.64 $ 249,223.39 $131,780,254
$ 2,108,484.06 $ 268,210.96 $131,512,043
$ 2,104,192.69 $ 287,502.34 $131,224,541
$ 2,099,592.65 $ 307,102.37 $130,917,438
$ 2,094,679.01 $ 327,016.01 $130,590,422
$ 2,089,446.75 $ 347,248.27 $130,243,174
$ 2,083,890.78 $ 367,804.24 $129,875,370
$ 2,078,005.91 $ 388,689.11 $129,486,681
$ 2,071,786.89 $ 409,908.13 $129,076,772
$ 2,065,228.36 $ 431,466.67 $128,645,306
$ 2,058,324.89 $ 453,370.13 $128,191,936
$ 2,051,070.97 $ 475,624.05 $127,716,312
$ 2,043,460.98 $ 498,234.04 $127,218,077
$ 2,035,489.24 $ 521,205.78 $126,696,872
$ 2,027,149.95 $ 544,545.08 $126,152,327
$ 2,018,437.23 $ 568,257.80 $125,584,069
$ 2,009,345.10 $ 592,349.92 $124,991,719
$ 1,999,867.50 $ 616,827.52 $124,374,891
$ 1,989,998.26 $ 641,696.76 $123,733,195
$ 1,979,731.11 $ 666,963.91 $123,066,231
$ 1,969,059.69 $ 692,635.33 $122,373,595
$ 1,957,977.53 $ 718,717.50 $121,654,878
$ 1,946,478.05 $ 745,216.98 $120,909,661
$ 1,934,554.57 $ 772,140.45 $120,137,520
$ 1,922,200.33 $ 799,494.70 $119,338,026
$ 1,909,408.41 $ 827,286.61 $118,510,739
$ 1,896,171.83 $ 855,523.20 $117,655,216
$ 1,882,483.46 $ 884,211.57 $116,771,004
$ 1,868,336.07 $ 913,358.95 $115,857,645
$ 1,853,722.33 $ 942,972.70 $114,914,673
$ 1,838,634.76 $ 973,060.26 $113,941,612
$ 1,823,065.80 $ 1,003,629.22 $112,937,983
$ 1,807,007.73 $ 1,034,687.29 $111,903,296
$ 1,790,452.74 $ 1,066,242.29 $110,837,054
$ 1,773,392.86 $ 1,098,302.16 $109,738,752
$ 1,755,820.02 $ 1,130,875.00 $108,607,877
$ 1,737,726.02 $ 1,163,969.00 $107,443,908
$ 1,719,102.52 $ 1,197,592.50 $106,246,315
$ 1,699,941.04 $ 1,231,753.98 $105,014,561
$ 1,680,232.98 $ 1,266,462.05 $103,748,099
$ 1,659,969.58 $ 1,301,725.44 $102,446,374
$ 1,639,141.98 $ 1,337,553.05 $101,108,821
$ 1,617,741.13 $ 1,373,953.89 $99,734,867
$ 1,595,757.87 $ 1,410,937.16 $98,323,929
$ 1,573,182.87 $ 1,448,512.15 $96,875,417
$ 1,550,006.68 $ 1,486,688.35 $95,388,729
$ 1,526,219.66 $ 1,525,475.36 $93,863,254
$ 1,501,812.06 $ 1,564,882.97 $92,298,371
$ 1,476,773.93 $ 1,604,921.09 $90,693,450
$ 1,451,095.19 $ 1,645,599.83 $89,047,850
$ 1,424,765.60 $ 1,686,929.43 $87,360,920
$ 1,397,774.72 $ 1,728,920.30 $85,632,000
$ 1,370,112.00 $ 1,771,583.02 $83,860,417
$ 1,341,766.67 $ 1,814,928.35 $82,045,489
$ 1,312,727.82 $ 1,858,967.21 $80,186,521
$ 1,282,984.34 $ 1,903,710.68 $78,282,811
$ 1,252,524.97 $ 1,949,170.05 $76,333,641
$ 1,221,338.25 $ 1,995,356.77 $74,338,284
$ 1,189,412.54 $ 2,042,282.48 $72,296,001
$ 1,156,736.02 $ 2,089,959.00 $70,206,042
$ 1,123,296.68 $ 2,138,398.34 $68,067,644
$ 1,089,082.31 $ 2,187,612.72 $65,880,031
$ 1,054,080.50 $ 2,237,614.52 $63,642,417
$ 1,018,278.67 $ 2,288,416.35 $61,354,000
$ 981,664.01 $ 2,340,031.02 $59,013,969
$ 944,223.51 $ 2,392,471.51 $56,621,498
$ 905,943.97 $ 2,445,751.06 $54,175,747
$ 866,811.95 $ 2,499,883.07 $51,675,864
$ 826,813.82 $ 2,554,881.20 $49,120,983
$ 785,935.72 $ 2,610,759.30 $46,510,223
$ 744,163.57 $ 2,667,531.45 $43,842,692
$ 701,483.07 $ 2,725,211.95 $41,117,480
$ 657,879.68 $ 2,783,815.34 $38,333,665
$ 613,338.63 $ 2,843,356.39 $35,490,308
$ 567,844.93 $ 2,903,850.09 $32,586,458
$ 521,383.33 $ 2,965,311.69 $29,621,146
$ 473,938.34 $ 3,027,756.68 $26,593,390
$ 425,494.24 $ 3,091,200.79 $23,502,189
$ 376,035.02 $ 3,155,660.00 $20,346,529
$ 325,544.46 $ 3,221,150.56 $17,125,378
$ 274,006.05 $ 3,287,688.97 $13,837,689
$ 221,403.03 $ 3,355,291.99 $10,482,397
$ 167,718.36 $ 3,423,976.66 $7,058,421
$ 112,934.73 $ 3,493,760.29 $3,564,660
$ 57,034.57 $ 3,564,660.46 $0

interés total= $145,682,722

 Prestamo= $133,600,000
70%
i= 1.6% Mensual
n= 8 años n= 96
A= $2,733,061.07
G= $ 20,000.00
Estudio de títulos= $600,000

PERIODOS CUOTA

0 $ -
1 $2,733,061.07
2 $2,733,061.07
3 $2,733,061.07
4 $2,733,061.07
5 $2,733,061.07
6 $2,733,061.07
7 $2,733,061.07
8 $2,733,061.07
9 $2,733,061.07
10 $2,733,061.07
11 $2,733,061.07
12 $2,733,061.07
13 $2,753,061.07
14 $2,753,061.07
15 $2,753,061.07
16 $2,753,061.07
17 $2,753,061.07
18 $2,753,061.07
19 $2,753,061.07
20 $2,753,061.07
21 $2,753,061.07
22 $2,753,061.07
23 $2,753,061.07
24 $2,753,061.07
25 $2,773,061.07
26 $2,773,061.07
27 $2,773,061.07
28 $2,773,061.07
29 $2,773,061.07
30 $2,773,061.07
31 $2,773,061.07
32 $2,773,061.07
33 $2,773,061.07
34 $2,773,061.07
35 $2,773,061.07
36 $2,773,061.07
37 $2,793,061.07
38 $2,793,061.07
39 $2,793,061.07
40 $2,793,061.07
41 $2,793,061.07
42 $2,793,061.07
43 $2,793,061.07
44 $2,793,061.07
45 $2,793,061.07
46 $2,793,061.07
47 $2,793,061.07
48 $2,793,061.07
49 $2,813,061.07
50 $2,813,061.07
51 $2,813,061.07
52 $2,813,061.07
53 $2,813,061.07
54 $2,813,061.07
55 $2,813,061.07
56 $2,813,061.07
57 $2,813,061.07
58 $2,813,061.07
59 $2,813,061.07
60 $2,813,061.07
61 $2,833,061.07
62 $2,833,061.07
63 $2,833,061.07
64 $2,833,061.07
65 $2,833,061.07
66 $2,833,061.07
67 $2,833,061.07
68 $2,833,061.07
69 $2,833,061.07
70 $2,833,061.07
71 $2,833,061.07
72 $2,833,061.07
73 $2,853,061.07
74 $2,853,061.07
75 $2,853,061.07
76 $2,853,061.07
77 $2,853,061.07
78 $2,853,061.07
79 $2,853,061.07
80 $2,853,061.07
81 $2,853,061.07
82 $2,853,061.07
83 $2,853,061.07
84 $2,853,061.07
85 $2,873,061.07
86 $2,873,061.07
87 $2,873,061.07
88 $2,873,061.07
89 $2,873,061.07
90 $2,873,061.07
91 $2,873,061.07
92 $2,873,061.07
93 $367,807.09

suma=
 Organizar las opciones de la mejor a la peor y

INTERES
meses 3.2 $ 62,545,320
3.4 $ 124,369,425
3.1 $ 128,773,863
3.3 $ 145,682,722

AMORTIZACIÓN A
INTERÉS SALDO
CAPITAL
$ - $ - $ 133,600,000.00
$ 2,137,600.00 $ 595,461.07 $133,004,539
$ 2,128,072.62 $ 604,988.45 $132,399,550
$ 2,118,392.81 $ 614,668.26 $131,784,882
$ 2,108,558.12 $ 624,502.95 $131,160,379
$ 2,098,566.07 $ 634,495.00 $130,525,884
$ 2,088,414.15 $ 644,646.92 $129,881,237
$ 2,078,099.80 $ 654,961.27 $129,226,276
$ 2,067,620.42 $ 665,440.65 $128,560,835
$ 2,056,973.37 $ 676,087.70 $127,884,748
$ 2,046,155.96 $ 686,905.11 $127,197,843
$ 2,035,165.48 $ 697,895.59 $126,499,947
$ 2,023,999.15 $ 709,061.92 $125,790,885
$ 2,012,654.16 $ 740,406.91 $125,050,478
$ 2,000,807.65 $ 752,253.42 $124,298,225
$ 1,988,771.60 $ 764,289.47 $123,533,935
$ 1,976,542.96 $ 776,518.10 $122,757,417
$ 1,964,118.68 $ 788,942.39 $121,968,475
$ 1,951,495.60 $ 801,565.47 $121,166,909
$ 1,938,670.55 $ 814,390.52 $120,352,519
$ 1,925,640.30 $ 827,420.77 $119,525,098
$ 1,912,401.57 $ 840,659.50 $118,684,439
$ 1,898,951.02 $ 854,110.05 $117,830,329
$ 1,885,285.26 $ 867,775.81 $116,962,553
$ 1,871,400.84 $ 881,660.23 $116,080,892
$ 1,857,294.28 $ 915,766.79 $115,165,126
$ 1,842,642.01 $ 930,419.06 $114,234,707
$ 1,827,755.31 $ 945,305.76 $113,289,401
$ 1,812,630.41 $ 960,430.66 $112,328,970
$ 1,797,263.52 $ 975,797.55 $111,353,173
$ 1,781,650.76 $ 991,410.31 $110,361,762
$ 1,765,788.20 $ 1,007,272.87 $109,354,489
$ 1,749,671.83 $ 1,023,389.24 $108,331,100
$ 1,733,297.60 $ 1,039,763.47 $107,291,337
$ 1,716,661.39 $ 1,056,399.68 $106,234,937
$ 1,699,758.99 $ 1,073,302.08 $105,161,635
$ 1,682,586.16 $ 1,090,474.91 $104,071,160
$ 1,665,138.56 $ 1,127,922.51 $102,943,238
$ 1,647,091.80 $ 1,145,969.27 $101,797,268
$ 1,628,756.29 $ 1,164,304.78 $100,632,964
$ 1,610,127.42 $ 1,182,933.65 $99,450,030
$ 1,591,200.48 $ 1,201,860.59 $98,248,169
$ 1,571,970.71 $ 1,221,090.36 $97,027,079
$ 1,552,433.26 $ 1,240,627.81 $95,786,451
$ 1,532,583.22 $ 1,260,477.85 $94,525,973
$ 1,512,415.57 $ 1,280,645.50 $93,245,328
$ 1,491,925.24 $ 1,301,135.82 $91,944,192
$ 1,471,107.07 $ 1,321,954.00 $90,622,238
$ 1,449,955.81 $ 1,343,105.26 $89,279,133
$ 1,428,466.12 $ 1,384,594.95 $87,894,538
$ 1,406,312.60 $ 1,406,748.47 $86,487,789
$ 1,383,804.63 $ 1,429,256.44 $85,058,533
$ 1,360,936.53 $ 1,452,124.54 $83,606,408
$ 1,337,702.53 $ 1,475,358.54 $82,131,050
$ 1,314,096.80 $ 1,498,964.27 $80,632,086
$ 1,290,113.37 $ 1,522,947.70 $79,109,138
$ 1,265,746.20 $ 1,547,314.86 $77,561,823
$ 1,240,989.17 $ 1,572,071.90 $75,989,751
$ 1,215,836.02 $ 1,597,225.05 $74,392,526
$ 1,190,280.42 $ 1,622,780.65 $72,769,745
$ 1,164,315.93 $ 1,648,745.14 $71,121,000
$ 1,137,936.00 $ 1,695,125.07 $69,425,875
$ 1,110,814.00 $ 1,722,247.07 $67,703,628
$ 1,083,258.05 $ 1,749,803.02 $65,953,825
$ 1,055,261.20 $ 1,777,799.87 $64,176,025
$ 1,026,816.40 $ 1,806,244.67 $62,369,780
$ 997,916.49 $ 1,835,144.58 $60,534,636
$ 968,554.17 $ 1,864,506.89 $58,670,129
$ 938,722.06 $ 1,894,339.01 $56,775,790
$ 908,412.64 $ 1,924,648.43 $54,851,142
$ 877,618.27 $ 1,955,442.80 $52,895,699
$ 846,331.18 $ 1,986,729.89 $50,908,969
$ 814,543.50 $ 2,018,517.57 $48,890,451
$ 782,247.22 $ 2,070,813.85 $46,819,637
$ 749,114.20 $ 2,103,946.87 $44,715,691
$ 715,451.05 $ 2,137,610.02 $42,578,081
$ 681,249.29 $ 2,171,811.78 $40,406,269
$ 646,500.30 $ 2,206,560.77 $38,199,708
$ 611,195.33 $ 2,241,865.74 $35,957,842
$ 575,325.48 $ 2,277,735.59 $33,680,107
$ 538,881.71 $ 2,314,179.36 $31,365,927
$ 501,854.84 $ 2,351,206.23 $29,014,721
$ 464,235.54 $ 2,388,825.53 $26,625,896
$ 426,014.33 $ 2,427,046.74 $24,198,849
$ 387,181.58 $ 2,465,879.49 $21,732,969
$ 347,727.51 $ 2,525,333.56 $19,207,636
$ 307,322.17 $ 2,565,738.90 $16,641,897
$ 266,270.35 $ 2,606,790.72 $14,035,106
$ 224,561.70 $ 2,648,499.37 $11,386,607
$ 182,185.71 $ 2,690,875.36 $8,695,731
$ 139,131.70 $ 2,733,929.37 $5,961,802
$ 95,388.83 $ 2,777,672.24 $3,184,130
$ 50,946.08 $ 2,822,114.99 $362,015
$ 5,792.24 $ 362,014.85 $0

$ 124,369,425.46
es de la mejor a la peor y justificar el por qué.

Al tener las cuotas más altas al principio, su saldo va disminuyendo y esto conlleva que el interes tambíen.
La ventaja de la 3.4 es que su deuda se paga en menos tiempo, pero sus interese son mayores que la 3.2
interes tambíen.
ores que la 3.2