Actividad 4 - Fundamentos Financieros Nelly Duarte - Estefany Galezo

CRÉDITO PARA CAPITAL DE
TRABAJO DAVIVIENDA
Valores del préstamo Resumen del préstamo

Importe del préstamo $ 50,000,000.00 Pago mensual $ 1,561,922.96
Tasa de interés anual 28.17% Número de pagos 60
Periodo del préstamo en años 5 Importe total de los intereses $ 43,715,377.74
Fecha de inicio del préstamo 3/1/2024 Coste total del préstamo $ 93,715,377.74
N.° de
Fecha de pago Saldo inicial Pago Capital Intereses Saldo final
pago
1 4/1/2024 $ 50,000,000.00 $ 1,561,922.96 $ 388,172.96 $ 1,173,750.00 $ 49,611,827.04

2 5/1/2024 $ 49,611,827.04 $ 1,561,922.96 $ 397,285.32 $ 1,164,637.64 $ 49,214,541.72
3 6/1/2024 $ 49,214,541.72 $ 1,561,922.96 $ 406,611.60 $ 1,155,311.37 $ 48,807,930.12
4 7/1/2024 $ 48,807,930.12 $ 1,561,922.96 $ 416,156.80 $ 1,145,766.16 $ 48,391,773.32
5 8/1/2024 $ 48,391,773.32 $ 1,561,922.96 $ 425,926.08 $ 1,135,996.88 $ 47,965,847.23
6 9/1/2024 $ 47,965,847.23 $ 1,561,922.96 $ 435,924.70 $ 1,125,998.26 $ 47,529,922.53
7 10/1/2024 $ 47,529,922.53 $ 1,561,922.96 $ 446,158.03 $ 1,115,764.93 $ 47,083,764.50
8 11/1/2024 $ 47,083,764.50 $ 1,561,922.96 $ 456,631.59 $ 1,105,291.37 $ 46,627,132.91
9 12/1/2024 $ 46,627,132.91 $ 1,561,922.96 $ 467,351.02 $ 1,094,571.95 $ 46,159,781.90
10 1/1/2025 $ 46,159,781.90 $ 1,561,922.96 $ 478,322.08 $ 1,083,600.88 $ 45,681,459.81
11 2/1/2025 $ 45,681,459.81 $ 1,561,922.96 $ 489,550.69 $ 1,072,372.27 $ 45,191,909.12
12 3/1/2025 $ 45,191,909.12 $ 1,561,922.96 $ 501,042.90 $ 1,060,880.07 $ 44,690,866.23
13 4/1/2025 $ 44,690,866.23 $ 1,561,922.96 $ 512,804.88 $ 1,049,118.08 $ 44,178,061.35
14 5/1/2025 $ 44,178,061.35 $ 1,561,922.96 $ 524,842.97 $ 1,037,079.99 $ 43,653,218.38
15 6/1/2025 $ 43,653,218.38 $ 1,561,922.96 $ 537,163.66 $ 1,024,759.30 $ 43,116,054.71
16 7/1/2025 $ 43,116,054.71 $ 1,561,922.96 $ 549,773.58 $ 1,012,149.38 $ 42,566,281.14
17 8/1/2025 $ 42,566,281.14 $ 1,561,922.96 $ 562,679.51 $ 999,243.45 $ 42,003,601.62
18 9/1/2025 $ 42,003,601.62 $ 1,561,922.96 $ 575,888.41 $ 986,034.55 $ 41,427,713.21
19 10/1/2025 $ 41,427,713.21 $ 1,561,922.96 $ 589,407.39 $ 972,515.57 $ 40,838,305.82
20 11/1/2025 $ 40,838,305.82 $ 1,561,922.96 $ 603,243.73 $ 958,679.23 $ 40,235,062.08
21 12/1/2025 $ 40,235,062.08 $ 1,561,922.96 $ 617,404.88 $ 944,518.08 $ 39,617,657.20
22 1/1/2026 $ 39,617,657.20 $ 1,561,922.96 $ 631,898.46 $ 930,024.50 $ 38,985,758.74
23 2/1/2026 $ 38,985,758.74 $ 1,561,922.96 $ 646,732.28 $ 915,190.69 $ 38,339,026.47
24 3/1/2026 $ 38,339,026.47 $ 1,561,922.96 $ 661,914.32 $ 900,008.65 $ 37,677,112.15
25 4/1/2026 $ 37,677,112.15 $ 1,561,922.96 $ 677,452.75 $ 884,470.21 $ 36,999,659.40
26 5/1/2026 $ 36,999,659.40 $ 1,561,922.96 $ 693,355.96 $ 868,567.00 $ 36,306,303.44
27 6/1/2026 $ 36,306,303.44 $ 1,561,922.96 $ 709,632.49 $ 852,290.47 $ 35,596,670.95
28 7/1/2026 $ 35,596,670.95 $ 1,561,922.96 $ 726,291.11 $ 835,631.85 $ 34,870,379.84
29 8/1/2026 $ 34,870,379.84 $ 1,561,922.96 $ 743,340.80 $ 818,582.17 $ 34,127,039.04
30 9/1/2026 $ 34,127,039.04 $ 1,561,922.96 $ 760,790.72 $ 801,132.24 $ 33,366,248.32
31 10/1/2026 $ 33,366,248.32 $ 1,561,922.96 $ 778,650.28 $ 783,272.68 $ 32,587,598.04
32 11/1/2026 $ 32,587,598.04 $ 1,561,922.96 $ 796,929.10 $ 764,993.86 $ 31,790,668.94
33 12/1/2026 $ 31,790,668.94 $ 1,561,922.96 $ 815,637.01 $ 746,285.95 $ 30,975,031.93
N.° de
pago
34 1/1/2027 $ 30,975,031.93 $ 1,561,922.96 $ 834,784.09 $ 727,138.87 $ 30,140,247.84

35 2/1/2027 $ 30,140,247.84 $ 1,561,922.96 $ 854,380.64 $ 707,542.32 $ 29,285,867.20
36 3/1/2027 $ 29,285,867.20 $ 1,561,922.96 $ 874,437.23 $ 687,485.73 $ 28,411,429.97
37 4/1/2027 $ 28,411,429.97 $ 1,561,922.96 $ 894,964.64 $ 666,958.32 $ 27,516,465.33
38 5/1/2027 $ 27,516,465.33 $ 1,561,922.96 $ 915,973.94 $ 645,949.02 $ 26,600,491.39
39 6/1/2027 $ 26,600,491.39 $ 1,561,922.96 $ 937,476.43 $ 624,446.54 $ 25,663,014.96
40 7/1/2027 $ 25,663,014.96 $ 1,561,922.96 $ 959,483.69 $ 602,439.28 $ 24,703,531.27
41 8/1/2027 $ 24,703,531.27 $ 1,561,922.96 $ 982,007.57 $ 579,915.40 $ 23,721,523.71
42 9/1/2027 $ 23,721,523.71 $ 1,561,922.96 $ 1,005,060.19 $ 556,862.77 $ 22,716,463.52
43 10/1/2027 $ 22,716,463.52 $ 1,561,922.96 $ 1,028,653.98 $ 533,268.98 $ 21,687,809.53
44 11/1/2027 $ 21,687,809.53 $ 1,561,922.96 $ 1,052,801.63 $ 509,121.33 $ 20,635,007.90
45 12/1/2027 $ 20,635,007.90 $ 1,561,922.96 $ 1,077,516.15 $ 484,406.81 $ 19,557,491.75
46 1/1/2028 $ 19,557,491.75 $ 1,561,922.96 $ 1,102,810.84 $ 459,112.12 $ 18,454,680.90
47 2/1/2028 $ 18,454,680.90 $ 1,561,922.96 $ 1,128,699.33 $ 433,223.63 $ 17,325,981.58
48 3/1/2028 $ 17,325,981.58 $ 1,561,922.96 $ 1,155,195.54 $ 406,727.42 $ 16,170,786.03
49 4/1/2028 $ 16,170,786.03 $ 1,561,922.96 $ 1,182,313.76 $ 379,609.20 $ 14,988,472.27
50 5/1/2028 $ 14,988,472.27 $ 1,561,922.96 $ 1,210,068.58 $ 351,854.39 $ 13,778,403.70
51 6/1/2028 $ 13,778,403.70 $ 1,561,922.96 $ 1,238,474.94 $ 323,448.03 $ 12,539,928.76
52 7/1/2028 $ 12,539,928.76 $ 1,561,922.96 $ 1,267,548.13 $ 294,374.83 $ 11,272,380.63
53 8/1/2028 $ 11,272,380.63 $ 1,561,922.96 $ 1,297,303.83 $ 264,619.14 $ 9,975,076.80
54 9/1/2028 $ 9,975,076.80 $ 1,561,922.96 $ 1,327,758.03 $ 234,164.93 $ 8,647,318.76
55 10/1/2028 $ 8,647,318.76 $ 1,561,922.96 $ 1,358,927.15 $ 202,995.81 $ 7,288,391.61
56 11/1/2028 $ 7,288,391.61 $ 1,561,922.96 $ 1,390,827.97 $ 171,094.99 $ 5,897,563.64
57 12/1/2028 $ 5,897,563.64 $ 1,561,922.96 $ 1,423,477.66 $ 138,445.31 $ 4,474,085.99
58 1/1/2029 $ 4,474,085.99 $ 1,561,922.96 $ 1,456,893.79 $ 105,029.17 $ 3,017,192.19
59 2/1/2029 $ 3,017,192.19 $ 1,561,922.96 $ 1,491,094.38 $ 70,828.59 $ 1,526,097.82
60 3/1/2029 $ 1,526,097.82 $ 1,561,922.96 $ 1,526,097.82 $ 35,825.15 $ 0.00
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pago
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pago
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pago
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pago
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pago
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pago
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TRABAJO BBVA

N.° de
pago
1 4/1/2024 $ 50,000,000.00 $ 1,383,220.83 $ 463,220.83 $ 920,000.00 $ 49,536,779.17

2 5/1/2024 $ 49,536,779.17 $ 1,383,220.83 $ 471,744.10 $ 911,476.74 $ 49,065,035.07
3 6/1/2024 $ 49,065,035.07 $ 1,383,220.83 $ 480,424.19 $ 902,796.65 $ 48,584,610.89
4 7/1/2024 $ 48,584,610.89 $ 1,383,220.83 $ 489,263.99 $ 893,956.84 $ 48,095,346.89
5 8/1/2024 $ 48,095,346.89 $ 1,383,220.83 $ 498,266.45 $ 884,954.38 $ 47,597,080.45
6 9/1/2024 $ 47,597,080.45 $ 1,383,220.83 $ 507,434.55 $ 875,786.28 $ 47,089,645.89
7 10/1/2024 $ 47,089,645.89 $ 1,383,220.83 $ 516,771.35 $ 866,449.48 $ 46,572,874.55
8 11/1/2024 $ 46,572,874.55 $ 1,383,220.83 $ 526,279.94 $ 856,940.89 $ 46,046,594.61
9 12/1/2024 $ 46,046,594.61 $ 1,383,220.83 $ 535,963.49 $ 847,257.34 $ 45,510,631.11
10 1/1/2025 $ 45,510,631.11 $ 1,383,220.83 $ 545,825.22 $ 837,395.61 $ 44,964,805.89
11 2/1/2025 $ 44,964,805.89 $ 1,383,220.83 $ 555,868.40 $ 827,352.43 $ 44,408,937.49
12 3/1/2025 $ 44,408,937.49 $ 1,383,220.83 $ 566,096.38 $ 817,124.45 $ 43,842,841.11
13 4/1/2025 $ 43,842,841.11 $ 1,383,220.83 $ 576,512.56 $ 806,708.28 $ 43,266,328.55
14 5/1/2025 $ 43,266,328.55 $ 1,383,220.83 $ 587,120.39 $ 796,100.45 $ 42,679,208.17
15 6/1/2025 $ 42,679,208.17 $ 1,383,220.83 $ 597,923.40 $ 785,297.43 $ 42,081,284.77
16 7/1/2025 $ 42,081,284.77 $ 1,383,220.83 $ 608,925.19 $ 774,295.64 $ 41,472,359.57
17 8/1/2025 $ 41,472,359.57 $ 1,383,220.83 $ 620,129.42 $ 763,091.42 $ 40,852,230.16
18 9/1/2025 $ 40,852,230.16 $ 1,383,220.83 $ 631,539.80 $ 751,681.03 $ 40,220,690.36
19 10/1/2025 $ 40,220,690.36 $ 1,383,220.83 $ 643,160.13 $ 740,060.70 $ 39,577,530.23
20 11/1/2025 $ 39,577,530.23 $ 1,383,220.83 $ 654,994.28 $ 728,226.56 $ 38,922,535.95
21 12/1/2025 $ 38,922,535.95 $ 1,383,220.83 $ 667,046.17 $ 716,174.66 $ 38,255,489.78
22 1/1/2026 $ 38,255,489.78 $ 1,383,220.83 $ 679,319.82 $ 703,901.01 $ 37,576,169.96
23 2/1/2026 $ 37,576,169.96 $ 1,383,220.83 $ 691,819.30 $ 691,401.53 $ 36,884,350.66
24 3/1/2026 $ 36,884,350.66 $ 1,383,220.83 $ 704,548.78 $ 678,672.05 $ 36,179,801.88
25 4/1/2026 $ 36,179,801.88 $ 1,383,220.83 $ 717,512.48 $ 665,708.35 $ 35,462,289.40
26 5/1/2026 $ 35,462,289.40 $ 1,383,220.83 $ 730,714.71 $ 652,506.13 $ 34,731,574.70
27 6/1/2026 $ 34,731,574.70 $ 1,383,220.83 $ 744,159.86 $ 639,060.97 $ 33,987,414.84
28 7/1/2026 $ 33,987,414.84 $ 1,383,220.83 $ 757,852.40 $ 625,368.43 $ 33,229,562.44
29 8/1/2026 $ 33,229,562.44 $ 1,383,220.83 $ 771,796.88 $ 611,423.95 $ 32,457,765.56
30 9/1/2026 $ 32,457,765.56 $ 1,383,220.83 $ 785,997.95 $ 597,222.89 $ 31,671,767.61
31 10/1/2026 $ 31,671,767.61 $ 1,383,220.83 $ 800,460.31 $ 582,760.52 $ 30,871,307.30
32 11/1/2026 $ 30,871,307.30 $ 1,383,220.83 $ 815,188.78 $ 568,032.05 $ 30,056,118.52
33 12/1/2026 $ 30,056,118.52 $ 1,383,220.83 $ 830,188.25 $ 553,032.58 $ 29,225,930.27
34 1/1/2027 $ 29,225,930.27 $ 1,383,220.83 $ 845,463.71 $ 537,757.12 $ 28,380,466.56
35 2/1/2027 $ 28,380,466.56 $ 1,383,220.83 $ 861,020.25 $ 522,200.58 $ 27,519,446.31
36 3/1/2027 $ 27,519,446.31 $ 1,383,220.83 $ 876,863.02 $ 506,357.81 $ 26,642,583.29
37 4/1/2027 $ 26,642,583.29 $ 1,383,220.83 $ 892,997.30 $ 490,223.53 $ 25,749,585.99
38 5/1/2027 $ 25,749,585.99 $ 1,383,220.83 $ 909,428.45 $ 473,792.38 $ 24,840,157.54
39 6/1/2027 $ 24,840,157.54 $ 1,383,220.83 $ 926,161.93 $ 457,058.90 $ 23,913,995.61
40 7/1/2027 $ 23,913,995.61 $ 1,383,220.83 $ 943,203.31 $ 440,017.52 $ 22,970,792.30
41 8/1/2027 $ 22,970,792.30 $ 1,383,220.83 $ 960,558.25 $ 422,662.58 $ 22,010,234.04
42 9/1/2027 $ 22,010,234.04 $ 1,383,220.83 $ 978,232.53 $ 404,988.31 $ 21,032,001.52
43 10/1/2027 $ 21,032,001.52 $ 1,383,220.83 $ 996,232.00 $ 386,988.83 $ 20,035,769.51
44 11/1/2027 $ 20,035,769.51 $ 1,383,220.83 $ 1,014,562.67 $ 368,658.16 $ 19,021,206.84
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N.° de
pago
45 12/1/2027 $ 19,021,206.84 $ 1,383,220.83 $ 1,033,230.63 $ 349,990.21 $ 17,987,976.21

46 1/1/2028 $ 17,987,976.21 $ 1,383,220.83 $ 1,052,242.07 $ 330,978.76 $ 16,935,734.14
47 2/1/2028 $ 16,935,734.14 $ 1,383,220.83 $ 1,071,603.32 $ 311,617.51 $ 15,864,130.82
48 3/1/2028 $ 15,864,130.82 $ 1,383,220.83 $ 1,091,320.82 $ 291,900.01 $ 14,772,810.00
49 4/1/2028 $ 14,772,810.00 $ 1,383,220.83 $ 1,111,401.13 $ 271,819.70 $ 13,661,408.87
50 5/1/2028 $ 13,661,408.87 $ 1,383,220.83 $ 1,131,850.91 $ 251,369.92 $ 12,529,557.96
51 6/1/2028 $ 12,529,557.96 $ 1,383,220.83 $ 1,152,676.97 $ 230,543.87 $ 11,376,880.99
52 7/1/2028 $ 11,376,880.99 $ 1,383,220.83 $ 1,173,886.22 $ 209,334.61 $ 10,202,994.77
53 8/1/2028 $ 10,202,994.77 $ 1,383,220.83 $ 1,195,485.73 $ 187,735.10 $ 9,007,509.04
54 9/1/2028 $ 9,007,509.04 $ 1,383,220.83 $ 1,217,482.67 $ 165,738.17 $ 7,790,026.38
55 10/1/2028 $ 7,790,026.38 $ 1,383,220.83 $ 1,239,884.35 $ 143,336.49 $ 6,550,142.03
56 11/1/2028 $ 6,550,142.03 $ 1,383,220.83 $ 1,262,698.22 $ 120,522.61 $ 5,287,443.81
57 12/1/2028 $ 5,287,443.81 $ 1,383,220.83 $ 1,285,931.87 $ 97,288.97 $ 4,001,511.95
58 1/1/2029 $ 4,001,511.95 $ 1,383,220.83 $ 1,309,593.01 $ 73,627.82 $ 2,691,918.93
59 2/1/2029 $ 2,691,918.93 $ 1,383,220.83 $ 1,333,689.52 $ 49,531.31 $ 1,358,229.41
60 3/1/2029 $ 1,358,229.41 $ 1,383,220.83 $ 1,358,229.41 $ 24,991.42 $ -
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pago
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pago
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pago
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pago
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pago
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TRABAJO BANCO DE BOGOTÁ

N.° de
pago
1 4/1/2024 $ 50,000,000.00 $ 1,467,566.17 $ 425,899.50 $ 1,041,666.67 $ 49,574,100.50

2 5/1/2024 $ 49,574,100.50 $ 1,467,566.17 $ 434,772.41 $ 1,032,793.76 $ 49,139,328.09
3 6/1/2024 $ 49,139,328.09 $ 1,467,566.17 $ 443,830.17 $ 1,023,736.00 $ 48,695,497.92
4 7/1/2024 $ 48,695,497.92 $ 1,467,566.17 $ 453,076.63 $ 1,014,489.54 $ 48,242,421.29
5 8/1/2024 $ 48,242,421.29 $ 1,467,566.17 $ 462,515.73 $ 1,005,050.44 $ 47,779,905.57
6 9/1/2024 $ 47,779,905.57 $ 1,467,566.17 $ 472,151.47 $ 995,414.70 $ 47,307,754.10
7 10/1/2024 $ 47,307,754.10 $ 1,467,566.17 $ 481,987.96 $ 985,578.21 $ 46,825,766.14
8 11/1/2024 $ 46,825,766.14 $ 1,467,566.17 $ 492,029.37 $ 975,536.79 $ 46,333,736.77
9 12/1/2024 $ 46,333,736.77 $ 1,467,566.17 $ 502,279.99 $ 965,286.18 $ 45,831,456.78
10 1/1/2025 $ 45,831,456.78 $ 1,467,566.17 $ 512,744.15 $ 954,822.02 $ 45,318,712.63
11 2/1/2025 $ 45,318,712.63 $ 1,467,566.17 $ 523,426.32 $ 944,139.85 $ 44,795,286.31
12 3/1/2025 $ 44,795,286.31 $ 1,467,566.17 $ 534,331.04 $ 933,235.13 $ 44,260,955.27
13 4/1/2025 $ 44,260,955.27 $ 1,467,566.17 $ 545,462.93 $ 922,103.23 $ 43,715,492.33
14 5/1/2025 $ 43,715,492.33 $ 1,467,566.17 $ 556,826.75 $ 910,739.42 $ 43,158,665.59
15 6/1/2025 $ 43,158,665.59 $ 1,467,566.17 $ 568,427.30 $ 899,138.87 $ 42,590,238.29
16 7/1/2025 $ 42,590,238.29 $ 1,467,566.17 $ 580,269.54 $ 887,296.63 $ 42,009,968.75
17 8/1/2025 $ 42,009,968.75 $ 1,467,566.17 $ 592,358.49 $ 875,207.68 $ 41,417,610.26
18 9/1/2025 $ 41,417,610.26 $ 1,467,566.17 $ 604,699.29 $ 862,866.88 $ 40,812,910.97
19 10/1/2025 $ 40,812,910.97 $ 1,467,566.17 $ 617,297.19 $ 850,268.98 $ 40,195,613.78
20 11/1/2025 $ 40,195,613.78 $ 1,467,566.17 $ 630,157.55 $ 837,408.62 $ 39,565,456.23
21 12/1/2025 $ 39,565,456.23 $ 1,467,566.17 $ 643,285.83 $ 824,280.34 $ 38,922,170.40
22 1/1/2026 $ 38,922,170.40 $ 1,467,566.17 $ 656,687.62 $ 810,878.55 $ 38,265,482.79
23 2/1/2026 $ 38,265,482.79 $ 1,467,566.17 $ 670,368.61 $ 797,197.56 $ 37,595,114.17
24 3/1/2026 $ 37,595,114.17 $ 1,467,566.17 $ 684,334.62 $ 783,231.55 $ 36,910,779.55
25 4/1/2026 $ 36,910,779.55 $ 1,467,566.17 $ 698,591.59 $ 768,974.57 $ 36,212,187.96
26 5/1/2026 $ 36,212,187.96 $ 1,467,566.17 $ 713,145.59 $ 754,420.58 $ 35,499,042.37
27 6/1/2026 $ 35,499,042.37 $ 1,467,566.17 $ 728,002.79 $ 739,563.38 $ 34,771,039.58
28 7/1/2026 $ 34,771,039.58 $ 1,467,566.17 $ 743,169.51 $ 724,396.66 $ 34,027,870.07
29 8/1/2026 $ 34,027,870.07 $ 1,467,566.17 $ 758,652.21 $ 708,913.96 $ 33,269,217.86
30 9/1/2026 $ 33,269,217.86 $ 1,467,566.17 $ 774,457.46 $ 693,108.71 $ 32,494,760.40
31 10/1/2026 $ 32,494,760.40 $ 1,467,566.17 $ 790,591.99 $ 676,974.18 $ 31,704,168.41
32 11/1/2026 $ 31,704,168.41 $ 1,467,566.17 $ 807,062.66 $ 660,503.51 $ 30,897,105.75
33 12/1/2026 $ 30,897,105.75 $ 1,467,566.17 $ 823,876.47 $ 643,689.70 $ 30,073,229.28
Page 16 of 32
N.° de
pago
34 1/1/2027 $ 30,073,229.28 $ 1,467,566.17 $ 841,040.56 $ 626,525.61 $ 29,232,188.72

35 2/1/2027 $ 29,232,188.72 $ 1,467,566.17 $ 858,562.24 $ 609,003.93 $ 28,373,626.48
36 3/1/2027 $ 28,373,626.48 $ 1,467,566.17 $ 876,448.95 $ 591,117.22 $ 27,497,177.53
37 4/1/2027 $ 27,497,177.53 $ 1,467,566.17 $ 894,708.30 $ 572,857.87 $ 26,602,469.23
38 5/1/2027 $ 26,602,469.23 $ 1,467,566.17 $ 913,348.06 $ 554,218.11 $ 25,689,121.17
39 6/1/2027 $ 25,689,121.17 $ 1,467,566.17 $ 932,376.14 $ 535,190.02 $ 24,756,745.03
40 7/1/2027 $ 24,756,745.03 $ 1,467,566.17 $ 951,800.65 $ 515,765.52 $ 23,804,944.38
41 8/1/2027 $ 23,804,944.38 $ 1,467,566.17 $ 971,629.83 $ 495,936.34 $ 22,833,314.55
42 9/1/2027 $ 22,833,314.55 $ 1,467,566.17 $ 991,872.12 $ 475,694.05 $ 21,841,442.44
43 10/1/2027 $ 21,841,442.44 $ 1,467,566.17 $ 1,012,536.12 $ 455,030.05 $ 20,828,906.32
44 11/1/2027 $ 20,828,906.32 $ 1,467,566.17 $ 1,033,630.62 $ 433,935.55 $ 19,795,275.70
45 12/1/2027 $ 19,795,275.70 $ 1,467,566.17 $ 1,055,164.59 $ 412,401.58 $ 18,740,111.11
46 1/1/2028 $ 18,740,111.11 $ 1,467,566.17 $ 1,077,147.19 $ 390,418.98 $ 17,662,963.92
47 2/1/2028 $ 17,662,963.92 $ 1,467,566.17 $ 1,099,587.75 $ 367,978.41 $ 16,563,376.16
48 3/1/2028 $ 16,563,376.16 $ 1,467,566.17 $ 1,122,495.83 $ 345,070.34 $ 15,440,880.33
49 4/1/2028 $ 15,440,880.33 $ 1,467,566.17 $ 1,145,881.16 $ 321,685.01 $ 14,294,999.17
50 5/1/2028 $ 14,294,999.17 $ 1,467,566.17 $ 1,169,753.69 $ 297,812.48 $ 13,125,245.48
51 6/1/2028 $ 13,125,245.48 $ 1,467,566.17 $ 1,194,123.55 $ 273,442.61 $ 11,931,121.93
52 7/1/2028 $ 11,931,121.93 $ 1,467,566.17 $ 1,219,001.13 $ 248,565.04 $ 10,712,120.80
53 8/1/2028 $ 10,712,120.80 $ 1,467,566.17 $ 1,244,396.99 $ 223,169.18 $ 9,467,723.82
54 9/1/2028 $ 9,467,723.82 $ 1,467,566.17 $ 1,270,321.92 $ 197,244.25 $ 8,197,401.89
55 10/1/2028 $ 8,197,401.89 $ 1,467,566.17 $ 1,296,786.96 $ 170,779.21 $ 6,900,614.93
56 11/1/2028 $ 6,900,614.93 $ 1,467,566.17 $ 1,323,803.36 $ 143,762.81 $ 5,576,811.57
57 12/1/2028 $ 5,576,811.57 $ 1,467,566.17 $ 1,351,382.59 $ 116,183.57 $ 4,225,428.98
58 1/1/2029 $ 4,225,428.98 $ 1,467,566.17 $ 1,379,536.40 $ 88,029.77 $ 2,845,892.58
59 2/1/2029 $ 2,845,892.58 $ 1,467,566.17 $ 1,408,276.74 $ 59,289.43 $ 1,437,615.84
60 3/1/2029 $ 1,437,615.84 $ 1,467,566.17 $ 1,437,615.84 $ 29,950.33 $ 0.00
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TRABAJO BANCOLOMBIA

Importe del préstamo $ 50,000,000.00 Pago mensual
Tasa de interés mensual 26.4% Número de pagos
Periodo del préstamo en años 5 Importe total de los intereses
Fecha de inicio del préstamo 3/1/2024 Coste total del préstamo
Parte de la Parte de la
cuota que se cuota que se
Cuota No Valor cuota convierte en convierte en
abono a abono a
capital intereses
1 1,508,887 408,887 1,100,000

2 1,508,887 417,882 1,091,004
3 1,508,887 427,075 1,081,811
4 1,508,887 436,471 1,072,415
5 1,508,887 446,074 1,062,813
6 1,508,887 455,887 1,052,999
7 1,508,887 465,917 1,042,970
8 1,508,887 476,167 1,032,720
9 1,508,887 486,642 1,022,244
10 1,508,887 497,349 1,011,538
11 1,508,887 508,290 1,000,596
12 1,508,887 519,473 989,414
13 1,508,887 530,901 977,986
14 1,508,887 542,581 966,306
15 1,508,887 554,518 954,369
16 1,508,887 566,717 942,170
17 1,508,887 579,185 929,702
18 1,508,887 591,927 916,960
19 1,508,887 604,949 903,937
20 1,508,887 618,258 890,628
21 1,508,887 631,860 877,027
22 1,508,887 645,761 863,126
23 1,508,887 659,968 848,919
24 1,508,887 674,487 834,400
25 1,508,887 689,325 819,561
26 1,508,887 704,491 804,396
27 1,508,887 719,989 788,897
28 1,508,887 735,829 773,057
29 1,508,887 752,017 756,869
30 1,508,887 768,562 740,325
31 1,508,887 785,470 723,416
32 1,508,887 802,751 706,136
33 1,508,887 820,411 688,476
34 1,508,887 838,460 670,426
35 1,508,887 856,906 651,980
36 1,508,887 875,758 633,128
37 1,508,887 895,025 613,862
38 1,508,887 914,715 594,171
39 1,508,887 934,839 574,047
40 1,508,887 955,406 553,481
41 1,508,887 976,425 532,462
42 1,508,887 997,906 510,981
43 1,508,887 1,019,860 489,027
44 1,508,887 1,042,297 466,590
45 1,508,887 1,065,227 443,659
46 1,508,887 1,088,662 420,224
47 1,508,887 1,112,613 396,274
48 1,508,887 1,137,090 371,796
49 1,508,887 1,162,106 346,780
50 1,508,887 1,187,673 321,214
51 1,508,887 1,213,801 295,085
52 1,508,887 1,240,505 268,382
53 1,508,887 1,267,796 241,090
54 1,508,887 1,295,688 213,199
55 1,508,887 1,324,193 184,694
56 1,508,887 1,353,325 155,562
57 1,508,887 1,383,098 125,788
58 1,508,887 1,413,526 95,360
59 1,508,887 1,444,624 64,263
60 1,508,887 1,476,406 32,481
Totales pagados 90,533,194 50,000,000 40,533,194

Resumen del préstamo
Pago mensual $ 1,508,886.57
Número de pagos 60
mporte total de los intereses $ 40,533,194.11
Coste total del préstamo $ 90,533,194.11
Saldo del crédito

(capital)
después
del pago
50,000,000
49,591,113
49,173,231
48,746,156
48,309,685
47,863,611
47,407,724
46,941,807
46,465,641
45,978,998
45,481,650
44,973,359
44,453,887
43,922,986
43,380,405
42,825,887
42,259,170
41,679,985
41,088,058
40,483,109
39,864,851
39,232,991
38,587,230
37,927,263
37,252,776
36,563,450
35,858,960
35,138,970
34,403,141
33,651,124
32,882,562
32,097,092
31,294,341
30,473,930
29,635,470
28,778,564
27,902,805
27,007,781
26,093,065
25,158,226
24,202,820
23,226,396
22,228,490
21,208,630
20,166,334
19,101,106
18,012,444
16,899,831
15,762,741
14,600,635
13,412,962
12,199,161
10,958,656
9,690,860
8,395,172
7,070,979
5,717,654
4,334,556
2,921,030
1,476,406
0
CRÉDITO DE FOMENTO BANCO
PICHINCHA

Importe del préstamo $ 50,000,000.00 Pago mensual
Tasa de interés mensual 20.0% Número de pagos
Periodo del préstamo en años 5 Importe total de los intereses
Fecha de inicio del préstamo 3/1/2024 Coste total del préstamo
Parte de la Parte de la
cuota que se cuota que se
Cuota No Valor cuota convierte en convierte en
abono a abono a
capital intereses
1 1,325,807 490,807 835,000

2 1,325,807 499,004 826,804
3 1,325,807 507,337 818,470
4 1,325,807 515,810 809,998
5 1,325,807 524,424 801,384
6 1,325,807 533,182 792,626
7 1,325,807 542,086 783,722
8 1,325,807 551,138 774,669
9 1,325,807 560,343 765,465
10 1,325,807 569,700 756,107
11 1,325,807 579,214 746,593
12 1,325,807 588,887 736,920
13 1,325,807 598,722 727,086
14 1,325,807 608,720 717,087
15 1,325,807 618,886 706,921
16 1,325,807 629,221 696,586
17 1,325,807 639,729 686,078
18 1,325,807 650,413 675,395
19 1,325,807 661,275 664,533
20 1,325,807 672,318 653,489
21 1,325,807 683,546 642,262
22 1,325,807 694,961 630,847
23 1,325,807 706,567 619,241
24 1,325,807 718,366 607,441
25 1,325,807 730,363 595,444
26 1,325,807 742,560 583,247
27 1,325,807 754,961 570,846
28 1,325,807 767,569 558,239
29 1,325,807 780,387 545,420
30 1,325,807 793,419 532,388
31 1,325,807 806,670 519,138
32 1,325,807 820,141 505,666
33 1,325,807 833,837 491,970
34 1,325,807 847,762 478,045
35 1,325,807 861,920 463,887
36 1,325,807 876,314 449,493
37 1,325,807 890,949 434,859
38 1,325,807 905,827 419,980
39 1,325,807 920,955 404,853
40 1,325,807 936,335 389,473
41 1,325,807 951,971 373,836
42 1,325,807 967,869 357,938
43 1,325,807 984,033 341,774
44 1,325,807 1,000,466 325,341
45 1,325,807 1,017,174 308,633
46 1,325,807 1,034,161 291,647
47 1,325,807 1,051,431 274,376
48 1,325,807 1,068,990 256,817
49 1,325,807 1,086,842 238,965
50 1,325,807 1,104,993 220,815
51 1,325,807 1,123,446 202,361
52 1,325,807 1,142,207 183,600
53 1,325,807 1,161,282 164,525
54 1,325,807 1,180,676 145,132
55 1,325,807 1,200,393 125,414
56 1,325,807 1,220,440 105,368
57 1,325,807 1,240,821 84,986
58 1,325,807 1,261,543 64,265
59 1,325,807 1,282,610 43,197
60 1,325,807 1,304,030 21,777
Totales pagados 79,548,436 50,000,000 29,548,436

Resumen del préstamo
Pago mensual $ 1,325,807.26
Número de pagos 60
mporte total de los intereses $ 29,548,435.74
Coste total del préstamo $ 79,548,435.74
Saldo del crédito

(capital)
después
del pago
50,000,000
49,509,193
49,010,189
48,502,852
47,987,042
47,462,619
46,929,437
46,387,351
45,836,213
45,275,870
44,706,170
44,126,956
43,538,069
42,939,347
42,330,627
41,711,741
41,082,520
40,442,791
39,792,378
39,131,104
38,458,786
37,775,240
37,080,280
36,373,713
35,655,347
34,924,984
34,182,424
33,427,463
32,659,894
31,879,507
31,086,088
30,279,418
29,459,277
28,625,440
27,777,678
26,915,758
26,039,443
25,148,495
24,242,668
23,321,713
22,385,378
21,433,407
20,465,537
19,481,505
18,481,038
17,463,865
16,429,704
15,378,273
14,309,282
13,222,440
12,117,448
10,994,002
9,851,794
8,690,512
7,509,836
6,309,443
5,089,004
3,848,183
2,586,640
1,304,030
(0)
BANCO DE
DAVIVIENDA BBVA BANCOLOMBIAPICHINCHA
BOGOTÁ
Importe del préstamo 50,000,000 50,000,000 50,000,000 50,000,000 50,000,000
Tasa de interés anual 28.17% 22.08% 25.00% 26.40% 20.04%
Periodo del préstamo en años 5 5 5 5 5
Fecha de inicio del préstamo 3/1/2024 3/1/2024 3/1/2024 3/1/2024 3/1/2024
Pago mensual 1,561,923 1,383,221 1,467,566 1,508,887 1,325,807
Número de pagos 60 60 60 60 60
Importe total de los intereses 43,715,378 32,993,250 38,053,970 40,533,194 29,548,436
Coste total del préstamo 93,715,378 82,993,250 88,053,970 90,533,194 79,548,436
INFLACIÓN 12%
TASA DE CAPTACIÓN DE LA BANC 13.20%
TASA DE COLOCACIÓN 24.34%
TASA DE USURA 34.97%
Se evidencia que la tasa promedio entre las entidades bancarias seleccionadas es de 24,34%, para lineas de crédito de capital de
trabajo, siendo la mas baja del mercado la del Banco Pinchincha con un 4,30% por debajo de la tasa promedio de colocación.
Para Banco Pichincha el importe total de los intereses es de $29.548.436 equivalente a una tasa anual del 20,04%, sobre un crédito
inicial de $50.000.000 con una proyección a 60 meses, mientras que para el Banco Davivienda se deberá cancelar intereses por
$43.715.378 con una diferencia de $14.166.942.

Actividad 4 - Fundamentos Financieros Nelly Duarte - Estefany Galezo

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CRÉDITO PARA CAPITAL DE

Valores del préstamo Resumen del préstamo

1 4/1/2024 $ 50,000,000.00 $ 1,561,922.96 $ 388,172.96 $ 1,173,750.00 $ 49,611,827.04

34 1/1/2027 $ 30,975,031.93 $ 1,561,922.96 $ 834,784.09 $ 727,138.87 $ 30,140,247.84

Valores del préstamo Resumen del préstamo

1 4/1/2024 $ 50,000,000.00 $ 1,383,220.83 $ 463,220.83 $ 920,000.00 $ 49,536,779.17

45 12/1/2027 $ 19,021,206.84 $ 1,383,220.83 $ 1,033,230.63 $ 349,990.21 $ 17,987,976.21

Valores del préstamo Resumen del préstamo

1 4/1/2024 $ 50,000,000.00 $ 1,467,566.17 $ 425,899.50 $ 1,041,666.67 $ 49,574,100.50

34 1/1/2027 $ 30,073,229.28 $ 1,467,566.17 $ 841,040.56 $ 626,525.61 $ 29,232,188.72

Valores del préstamo Resumen del préstamo

1 1,508,887 408,887 1,100,000

Totales pagados 90,533,194 50,000,000 40,533,194

Saldo del crédito

Valores del préstamo Resumen del préstamo

1 1,325,807 490,807 835,000

Totales pagados 79,548,436 50,000,000 29,548,436

Saldo del crédito

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