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15-may-2014
8-jun-1978
13125
1-Jan-08
5-Feb-04
1426
FECHA FINAL
FECHAS
FECHA FINAL
FECHA INICIAL
NUMERO DE DIAS
NUMERO DE DIAS
FECHA INICIAL
CALCULO CON FECHAS MENU
MENU
5 22 lunes 1 7 10
5 19 martes 2 7 15
5 16 miércoles 3 7 20
5 13 jueves 4 7 25
5 10 viernes 5 7 30
5 7 sábado 6 7 35
5 4 domingo 7 7 40
5 1 lunes 8 7 45
5 2 - martes 9 7 50
5 5 - miércoles 10 7 55
5 8 - jueves 11 7 60
DIA VALOR
1 402,000$
2 462,000$
3 522,000$ NUMERO DE DATOS 31
4 582,000$ MAYOR RECAUDO 1,780,000
5 642,000$ MENOR RECAUDO 402,000
6 702,000$
7 762,000$
8 822,000$
9 882,000$ 1,025,806
10 942,000$ 965,837
11 1,780,000$ 980,000
12 1,700,000$ 1,021,310
13 1,620,000$ 980,000
14 1,540,000$
15 1,460,000$
16 1,380,000$
17 1,300,000$ 343,351
18 1,220,000$
19 1,140,000$
20 1,060,000$
INTERES SIMPLE
COLEGIO
MEDIANA
MEDIDAS DE DISPERSION
DESVIACION
recaudo de impuestos del mes de marzo
MEDIDAS DE TENDENCIA CENTRAL
MEDIA
MEDIA GEOMETRICA
MODA
MEDIA ACOTADA
21 980,000$
22 980,000$
23 980,000$
24 980,000$
25 980,000$
26 980,000$
27 980,000$
28 980,000$
29 980,000$
30 980,000$
31 1,080,000$
TOTAL 31,800,000$
año 2012 febrero abril año 2013
año 2013 marzo julio año 2017
año 2014 abril octubre año 2021
año 2015 mayo enero año 2025
año 2016 junio abril año 2029
año 2017 julio julio año 2033
año 2018 agosto octubre año 2037
año 2019 septiembre enero año 2041
año 2020 octubre abril año 2045
año 2021 noviembre julio año 2049
año 2022 diciembre octubre año 2053
MEDIDAS DE TENDENCIA CENTRAL
MENU
VALOR FUTURO VALOR PRESENTE
VALOR PRESENTE 5,000,000$ VALOR FUTURO
TASA DE INTERES 9% IP 0.015 TASA DE INTERES
PLAZO-TIEMPO 6 PLAZO-TIEMPO
CAPITALIZACION 6 CAPITALIZACION
VALOR FUTURO 5,467,216$ VALOR PRESENTE
TASA DE INTERES PLAZO-TIEMPO
VALOR PRESENTE 4,700,000$ VALOR PRESENTE
VALOR FUTURO 5,139,183$ VALOR FUTURO
PLAZO-TIEMPO 6 TASA DE INTERES
CAPITALIZACION 6 CAPITALIZACION
TASA DE INTERES 0.015 PLAZO-TIEMPO
TASA ANUAL 9.00%
INTERES COMPUESTO
5,139,183$
9% IP 0.015
6
6
4,700,000$
4,700,000$
5,139,183$
9% 0.015
6
6.0
1.00 AÑOS
INTERES COMPUESTO
MENU
TASA PERIODO TASA EFECTIVA
VENCIDA 10.27% 4 10.67%
ANTICIPADA 13.14% 6 14.21%
TASA PERIODO TASA NOMINAL
VENCIDA 10.67% 4 10.27%
ANTICIPADA 14.21% 6 13.14%
TASAS NOMINALES A TASAS EFECTIVAS
TASAS EFECTIVAS A TASAS NOMINALES
TASAS EQUIVALENTES
CONVERSION DE TASAS
EF=(1+IP)^N-1
EF=(1-IP)^-N-1
NOM=((1+IE)^-1))*M
NOMA=(1-(1+IE)^(-1/N))*M
MENU
VALOR CREDITO 30,000,000
TASA DE INTERES 24.25% 0.02021
PLAZO TIEMPO 60
CAPITALIZACION 12
VALOR CUOTA FIJA $867,398
N PERIODOS VALOR CUOTA V/R INTERES ABONO A CAPITAL SALDO
0 30,000,000$
1 $867,398 606,250$ 261,148$ 29,738,852$
2 $867,398 600,973$ 266,425$ 29,472,427$
3 $867,398 595,589$ 271,809$ 29,200,618$
4 $867,398 590,096$ 277,302$ 28,923,316$
5 $867,398 584,492$ 282,906$ 28,640,410$
6 $867,398 578,775$ 288,623$ 28,351,788$
7 $867,398 572,942$ 294,455$ 28,057,332$
8 $867,398 566,992$ 300,406$ 27,756,926$
9 $867,398 560,921$ 306,477$ 27,450,450$
10 $867,398 554,728$ 312,670$ 27,137,780$
11 $867,398 548,409$ 318,988$ 26,818,791$
12 $867,398 541,963$ 325,435$ 26,493,357$
13 $867,398 535,387$ 332,011$ 26,161,346$
14 $867,398 528,677$ 338,721$ 25,822,625$
15 $867,398 521,832$ 345,566$ 25,477,059$
16 $867,398 514,849$ 352,549$ 25,124,511$
17 $867,398 507,724$ 359,673$ 24,764,837$
18 $867,398 500,456$ 366,942$ 24,397,896$
19 $867,398 493,041$ 374,357$ 24,023,539$
20 $867,398 485,476$ 381,922$ 23,641,617$
21 $867,398 477,758$ 389,640$ 23,251,977$
22 $867,398 469,884$ 397,514$ 22,854,463$
23 $867,398 461,851$ 405,547$ 22,448,915$
24 $867,398 453,655$ 413,743$ 22,035,173$
25 $867,398 445,294$ 422,104$ 21,613,069$
26 $867,398 436,764$ 430,634$ 21,182,436$
27 $867,398 428,062$ 439,336$ 20,743,099$
28 $867,398 419,183$ 448,214$ 20,294,885$
29 $867,398 410,126$ 457,272$ 19,837,613$
30 $867,398 400,885$ 466,513$ 19,371,101$
31 $867,398 391,458$ 475,940$ 18,895,160$
SISTEMA DE AMORTIZACION CUOTA FIJA
TABLA DE AMORTIZACION
32 $867,398 381,840$ 485,558$ 18,409,602$
33 $867,398 372,027$ 495,370$ 17,914,232$
34 $867,398 362,017$ 505,381$ 17,408,851$
35 $867,398 351,804$ 515,594$ 16,893,257$
36 $867,398 341,385$ 526,013$ 16,367,244$
37 $867,398 330,755$ 536,643$ 15,830,601$
38 $867,398 319,910$ 547,488$ 15,283,113$
39 $867,398 308,846$ 558,552$ 14,724,562$
40 $867,398 297,559$ 569,839$ 14,154,723$
41 $867,398 286,043$ 581,354$ 13,573,368$
42 $867,398 274,295$ 593,103$ 12,980,266$
43 $867,398 262,310$ 605,088$ 12,375,178$
44 $867,398 250,082$ 617,316$ 11,757,862$
45 $867,398 237,607$ 629,791$ 11,128,071$
46 $867,398 224,880$ 642,518$ 10,485,553$
47 $867,398 211,896$ 655,502$ 9,830,050$
48 $867,398 198,649$ 668,749$ 9,161,302$
49 $867,398 185,135$ 682,263$ 8,479,039$
50 $867,398 171,347$ 696,051$ 7,782,988$
51 $867,398 157,281$ 710,117$ 7,072,871$
52 $867,398 142,931$ 724,467$ 6,348,405$
53 $867,398 128,291$ 739,107$ 5,609,298$
54 $867,398 113,355$ 754,043$ 4,855,254$
55 $867,398 98,117$ 769,281$ 4,085,973$
56 $867,398 82,571$ 784,827$ 3,301,146$
57 $867,398 66,711$ 800,687$ 2,500,459$
58 $867,398 50,530$ 816,868$ 1,683,591$
59 $867,398 34,023$ 833,375$ 850,216$
60 $867,398 17,181$ 850,216$ (0)$
TOTAL $52,043,865 22,043,865$ $30,000,000 1,090,830,444$
SISTEMA DE AMORTIZACION CUOTA FIJA
$606,250 $600,973 $595,589 $590,096 $584,492 $578,775 $572,942 $566,992 $560,921 $554,728 $548,409 $541,963 $535,387 $528,677 $521,832 $514,849 $507,724 $500,456 $493,041 $485,476 $477,758 $469,884 $461,851 $453,655 $445,294 $436,764 $428,062 $419,183 $410,126 $400,885 $391,458 $381,840 $372,027 $362,017 $351,804 $341,385 $330,755 $319,910 $308,846 $297,559 $286,043 $274,295 $262,310 $250,082 $237,607 $224,880 $211,896 $198,649 $185,135 $171,347 $157,281 $142,931 $128,291 $113,355 $98,117 $82,571 $66,711 $50,530 $34,023 $17,181
$261,148 $266,425 $271,809 $277,302 $282,906 $288,623 $294,455 $300,406 $306,477 $312,670 $318,988 $325,435 $332,011 $338,721 $345,566 $352,549 $359,673 $366,942 $374,357 $381,922 $389,640 $397,514 $405,547 $413,743 $422,104 $430,634 $439,336 $448,214 $457,272 $466,513 $475,940 $485,558 $495,370 $505,381 $515,594 $526,013 $536,643 $547,488 $558,552 $569,839 $581,354 $593,103 $605,088 $617,316 $629,791 $642,518 $655,502 $668,749 $682,263 $696,051 $710,117 $724,467 $739,107 $754,043 $769,281 $784,827 $800,687 $816,868 $833,375 $850,216
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59
ACTIVIDAD ABONO CAPITAL VS VALOR INTERES
ABONO INTERES ABONO CAPITAL
$ -
$ 5,000,000
$ 10,000,000
$ 15,000,000
$ 20,000,000
$ 25,000,000
$ 30,000,000
$ 35,000,000
1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59
ACTIVIDAD DE USO
USO
MENU
VALOR CREDITO 30,000,000$
TASA DE INTERES 24.25% 0.02021
PLAZO/TIEMPO 60 NUEVO PLAZO 48
CAPITALIZACION 12
TIEMPO DE GRACIA 12
VALOR CUOTA FIJA 982,206$
N PERIODOS VALOR CUOTA FIJA V/R INTERES ABONO A CAPITAL SALDO
0 30,000,000$
1 606,250$ 606,250$ -$ 30,000,000$
2 606,250$ 606,250$ -$ 30,000,000$
3 606,250$ 606,250$ -$ 30,000,000$
4 606,250$ 606,250$ -$ 30,000,000$
5 606,250$ 606,250$ -$ 30,000,000$
6 606,250$ 606,250$ -$ 30,000,000$
7 606,250$ 606,250$ -$ 30,000,000$
8 606,250$ 606,250$ -$ 30,000,000$
9 606,250$ 606,250$ -$ 30,000,000$
10 606,250$ 606,250$ -$ 30,000,000$
11 606,250$ 606,250$ -$ 30,000,000$
12 606,250$ 606,250$ -$ 30,000,000$
13 982,206$ 606,250$ 375,956$ 29,624,044$
14 982,206$ 598,653$ 383,553$ 29,240,491$
15 982,206$ 590,902$ 391,304$ 28,849,186$
16 982,206$ 582,994$ 399,212$ 28,449,974$
17 982,206$ 574,927$ 407,279$ 28,042,695$
18 982,206$ 566,696$ 415,510$ 27,627,185$
19 982,206$ 558,299$ 423,907$ 27,203,279$
20 982,206$ 549,733$ 432,473$ 26,770,805$
21 982,206$ 540,993$ 441,213$ 26,329,593$
22 982,206$ 532,077$ 450,129$ 25,879,464$
23 982,206$ 522,981$ 459,225$ 25,420,239$
24 982,206$ 513,701$ 468,505$ 24,951,734$
25 982,206$ 504,233$ 477,973$ 24,473,761$
26 982,206$ 494,574$ 487,632$ 23,986,129$
27 982,206$ 484,720$ 497,486$ 23,488,642$
28 982,206$ 474,666$ 507,540$ 22,981,103$
29 982,206$ 464,410$ 517,796$ 22,463,307$
TASA DE AMORTIZACION
SISTEMA DE AMORTIZACION CUOTA FIJA CON TIEMPO DE GRACIA A CAPITAL
30 982,206$ 453,946$ 528,260$ 21,935,047$
31 982,206$ 443,271$ 538,935$ 21,396,111$
32 982,206$ 432,380$ 549,826$ 20,846,285$
33 982,206$ 421,269$ 560,937$ 20,285,348$
34 982,206$ 409,933$ 572,273$ 19,713,075$
35 982,206$ 398,368$ 583,838$ 19,129,238$
36 982,206$ 386,570$ 595,636$ 18,533,602$
37 982,206$ 374,533$ 607,673$ 17,925,929$
38 982,206$ 362,253$ 619,953$ 17,305,976$
39 982,206$ 349,725$ 632,481$ 16,673,495$
40 982,206$ 336,944$ 645,262$ 16,028,233$
41 982,206$ 323,904$ 658,302$ 15,369,931$
42 982,206$ 310,601$ 671,605$ 14,698,325$
43 982,206$ 297,029$ 685,177$ 14,013,148$
44 982,206$ 283,182$ 699,024$ 13,314,124$
45 982,206$ 269,056$ 713,150$ 12,600,975$
46 982,206$ 254,645$ 727,561$ 11,873,414$
47 982,206$ 239,942$ 742,264$ 11,131,149$
48 982,206$ 224,942$ 757,264$ 10,373,886$
49 982,206$ 209,639$ 772,567$ 9,601,319$
50 982,206$ 194,027$ 788,179$ 8,813,139$
51 982,206$ 178,099$ 804,107$ 8,009,032$
52 982,206$ 161,849$ 820,357$ 7,188,675$
53 982,206$ 145,271$ 836,935$ 6,351,741$
54 982,206$ 128,358$ 853,848$ 5,497,893$
55 982,206$ 111,103$ 871,103$ 4,626,790$
56 982,206$ 93,500$ 888,706$ 3,738,084$
57 982,206$ 75,540$ 906,666$ 2,831,418$
58 982,206$ 57,218$ 924,988$ 1,906,431$
59 982,206$ 38,526$ 943,680$ 962,750$
60 982,206$ 19,456$ 962,750$ (0)$
TOTAL 54,420,886$ 24,420,886$ 30,000,000$ 1,208,456,192$
SISTEMA DE AMORTIZACION CUOTA FIJA CON TIEMPO DE GRACIA A CAPITAL
$ -
$ 500,000
$ 1,000,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD DE VALOR INTERES VS ABONO CAPITAL
ABONO INTERES ABONO CAPITAL
USO
$ -
$ 10,000,000
$ 20,000,000
$ 30,000,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD DE USO
USO
MENU
VALOR CREDITO 30,000,000
TASA DE INTERES 24.25% 0.02021
PLAZO/TIEMPO 60 NUEVO PLAZO
CAPITALIZACIÒN 12
TIEMPO DE GRACIA 12
VALOR CUOTA FIJA 1,248,731
TABLA DE AMORTIZACION
N PERIODOS VALOR CUOTA FIJA V/R INTERES ABONO A CAPITAL
0
1 -$ 606,250$ -$
2 -$ 618,501$ -$
3 -$ 631,000$ -$
4 -$ 643,752$ -$
5 -$ 656,761$ -$
6 -$ 670,033$ -$
7 -$ 683,573$ -$
8 -$ 697,387$ -$
9 -$ 711,480$ -$
10 -$ 725,858$ -$
11 -$ 740,526$ -$
12 -$ 755,491$ -$
13 1,248,731$ 770,758$ 477,973$
14 1,248,731$ 761,099$ 487,632$
15 1,248,731$ 751,245$ 497,486$
16 1,248,731$ 741,192$ 507,540$
17 1,248,731$ 730,935$ 517,796$
18 1,248,731$ 720,471$ 528,260$
19 1,248,731$ 709,796$ 538,935$
20 1,248,731$ 698,905$ 549,826$
21 1,248,731$ 687,794$ 560,937$
22 1,248,731$ 676,458$ 572,273$
23 1,248,731$ 664,894$ 583,838$
24 1,248,731$ 653,095$ 595,636$
25 1,248,731$ 641,058$ 607,673$
26 1,248,731$ 628,778$ 619,953$
27 1,248,731$ 616,250$ 632,481$
28 1,248,731$ 603,469$ 645,262$
29 1,248,731$ 590,429$ 658,302$
EL SISTEMA QUE UTILIZA EL ICETEX
SISTEMA DE AMORTIZACIÒN CUOTA FIJA CON TIEMPO DE GRACIA A CAPITAL E INTERESES
30 1,248,731$ 577,126$ 671,605$
31 1,248,731$ 563,554$ 685,177$
32 1,248,731$ 549,708$ 699,024$
33 1,248,731$ 535,582$ 713,150$
34 1,248,731$ 521,170$ 727,561$
35 1,248,731$ 506,467$ 742,264$
36 1,248,731$ 491,467$ 757,264$
37 1,248,731$ 476,164$ 772,567$
38 1,248,731$ 460,552$ 788,179$
39 1,248,731$ 444,624$ 804,107$
40 1,248,731$ 428,374$ 820,357$
41 1,248,731$ 411,796$ 836,935$
42 1,248,731$ 394,883$ 853,848$
43 1,248,731$ 377,628$ 871,103$
44 1,248,731$ 360,025$ 888,706$
45 1,248,731$ 342,066$ 906,666$
46 1,248,731$ 323,743$ 924,988$
47 1,248,731$ 305,051$ 943,680$
48 1,248,731$ 285,981$ 962,750$
49 1,248,731$ 266,525$ 982,206$
50 1,248,731$ 246,676$ 1,002,055$
51 1,248,731$ 226,427$ 1,022,305$
52 1,248,731$ 205,768$ 1,042,964$
53 1,248,731$ 184,691$ 1,064,040$
54 1,248,731$ 163,189$ 1,085,543$
55 1,248,731$ 141,252$ 1,107,480$
56 1,248,731$ 118,871$ 1,129,860$
57 1,248,731$ 96,039$ 1,152,693$
58 1,248,731$ 72,745$ 1,175,987$
59 1,248,731$ 48,980$ 1,199,751$
60 1,248,731$ 24,735$ 1,223,996$
TOTAL 59,939,097$ 29,939,097$ 30,000,000$
48
SALDO
30,000,000$
30,606,250$
31,224,751$
31,855,751$
32,499,503$
33,156,264$
33,826,297$
34,509,870$
35,207,257$
35,918,737$
36,644,595$
37,385,121$
38,140,612$
37,662,639$
37,175,007$
36,677,520$
36,169,981$
35,652,185$
35,123,925$
34,584,989$
34,035,163$
33,474,226$
32,901,953$
32,318,116$
31,722,480$
31,114,807$
30,494,854$
29,862,373$
29,217,111$
28,558,809$
SISTEMA DE AMORTIZACIÒN CUOTA FIJA CON TIEMPO DE GRACIA A CAPITAL E INTERESES
$ -
$ 20,000,000
$ 40,000,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55
ACTIVIDAD DE USO
USO
ABONO INTERES
$ -
$ 500,000
$ 1,000,000
$ 1,500,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD DE VALOR INTERES VS ABONO CAPITAL
ABONO INTERES ABONO CAPITAL
MENU
27,887,203$
27,202,026$
26,503,002$
25,789,853$
25,062,292$
24,320,027$
23,562,763$
22,790,196$
22,002,017$
21,197,910$
20,377,553$
19,540,619$
18,686,771$
17,815,668$
16,926,962$
16,020,296$
15,095,309$
14,151,628$
13,188,878$
12,206,672$
11,204,617$
10,182,313$
9,139,349$
8,075,309$
6,989,766$
5,882,287$
4,752,427$
3,599,734$
2,423,748$
1,223,996$
0$
1,481,522,336$
SISTEMA DE AMORTIZACIÒN CUOTA FIJA CON TIEMPO DE GRACIA A CAPITAL E INTERESES
USO52 55 58 61
ABONO INTERES
ACTIVIDAD DE VALOR INTERES VS ABONO
VALOR PRESENTE 30,000,000$
TASA DE INT% 24.25% 0.02021
PLAZO/TIEMPO 60
CAPITALIZACION 12
ANUALIDAD $500,000
TABLA DE AMORTIZACION
N DE PERIODOS V/R CUOTA V/R INTERES ABONO A K SALDO
0 30,000,000
1 1,106,250$ 606,250$ 500,000$ 29,500,000$
2 1,096,146$ 596,146$ 500,000$ 29,000,000$
3 1,086,042$ 586,042$ 500,000$ 28,500,000$
4 1,075,938$ 575,938$ 500,000$ 28,000,000$
5 1,065,833$ 565,833$ 500,000$ 27,500,000$
6 1,055,729$ 555,729$ 500,000$ 27,000,000$
7 1,045,625$ 545,625$ 500,000$ 26,500,000$
8 1,035,521$ 535,521$ 500,000$ 26,000,000$
9 1,025,417$ 525,417$ 500,000$ 25,500,000$
10 1,015,313$ 515,313$ 500,000$ 25,000,000$
11 1,005,208$ 505,208$ 500,000$ 24,500,000$
12 995,104$ 495,104$ 500,000$ 24,000,000$
13 985,000$ 485,000$ 500,000$ 23,500,000$
14 974,896$ 474,896$ 500,000$ 23,000,000$
15 964,792$ 464,792$ 500,000$ 22,500,000$
16 954,688$ 454,688$ 500,000$ 22,000,000$
17 944,583$ 444,583$ 500,000$ 21,500,000$
18 934,479$ 434,479$ 500,000$ 21,000,000$
19 924,375$ 424,375$ 500,000$ 20,500,000$
20 914,271$ 414,271$ 500,000$ 20,000,000$
21 904,167$ 404,167$ 500,000$ 19,500,000$
22 894,063$ 394,063$ 500,000$ 19,000,000$
23 883,958$ 383,958$ 500,000$ 18,500,000$
24 873,854$ 373,854$ 500,000$ 18,000,000$
25 863,750$ 363,750$ 500,000$ 17,500,000$
26 853,646$ 353,646$ 500,000$ 17,000,000$
27 843,542$ 343,542$ 500,000$ 16,500,000$
SISTEMA DE AMORTIZACION DE CUOTA VARIABLE
28 833,438$ 333,438$ 500,000$ 16,000,000$
29 823,333$ 323,333$ 500,000$ 15,500,000$
30 813,229$ 313,229$ 500,000$ 15,000,000$
31 803,125$ 303,125$ 500,000$ 14,500,000$
32 793,021$ 293,021$ 500,000$ 14,000,000$
33 782,917$ 282,917$ 500,000$ 13,500,000$
34 772,813$ 272,813$ 500,000$ 13,000,000$
35 762,708$ 262,708$ 500,000$ 12,500,000$
36 752,604$ 252,604$ 500,000$ 12,000,000$
37 742,500$ 242,500$ 500,000$ 11,500,000$
38 732,396$ 232,396$ 500,000$ 11,000,000$
39 722,292$ 222,292$ 500,000$ 10,500,000$
40 712,188$ 212,188$ 500,000$ 10,000,000$
41 702,083$ 202,083$ 500,000$ 9,500,000$
42 691,979$ 191,979$ 500,000$ 9,000,000$
43 681,875$ 181,875$ 500,000$ 8,500,000$
44 671,771$ 171,771$ 500,000$ 8,000,000$
45 661,667$ 161,667$ 500,000$ 7,500,000$
46 651,563$ 151,563$ 500,000$ 7,000,000$
47 641,458$ 141,458$ 500,000$ 6,500,000$
48 631,354$ 131,354$ 500,000$ 6,000,000$
49 621,250$ 121,250$ 500,000$ 5,500,000$
50 611,146$ 111,146$ 500,000$ 5,000,000$
51 601,042$ 101,042$ 500,000$ 4,500,000$
52 590,938$ 90,938$ 500,000$ 4,000,000$
53 580,833$ 80,833$ 500,000$ 3,500,000$
54 570,729$ 70,729$ 500,000$ 3,000,000$
55 560,625$ 60,625$ 500,000$ 2,500,000$
56 550,521$ 50,521$ 500,000$ 2,000,000$
57 540,417$ 40,417$ 500,000$ 1,500,000$
58 530,313$ 30,313$ 500,000$ 1,000,000$
59 520,208$ 20,208$ 500,000$ 500,000$
60 510,104$ 10,104$ 500,000$ -$
TOTAL 48,490,625$ 18,490,625$ 30,000,000$
SISTEMA DE AMORTIZACION DE CUOTA VARIABLE
USO
-
10,000,000
20,000,000
30,000,000
1 3 5 7 9 1113151719212325272931 33 35 37 39 41 43 45 47 49 51 53 55 57 59 61
ACTIVIDAD DE USO
USO
ABONO INTERES
$ -
$ 200,000
$ 400,000
$ 600,000
$ 800,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD DE VALOR INTERES VS ABONO CAPITAL
ABONO INTERES ABONO CAPITAL
MENU
ABONO INTERES ABONO CAPITAL
SISTEMA DE AMORTIZACIÒN CUOTA VARIABLE O DECRECIENTE (CON TIEMPO DE GRACIA A CAPITAL)
VALOR CREDITO 30,000,000$
TASA DE INTERES 0.2425 0.02021
PLAZO/TIEMPO 60 NUEVO PLAZO 48
CAPITALIZACIÒN 12
TIEMPO DE GRACIA 12
VALOR A CAPITAL 625,000$
Nº PER VALOR CUOTA VALOR INT ABONO A CAPITAL SALDO
0 30,000,000$
1 606,250$ 606,250$ -$ 30,000,000$
2 606,250$ 606,250$ -$ 30,000,000$
3 606,250$ 606,250$ -$ 30,000,000$
4 606,250$ 606,250$ -$ 30,000,000$
5 606,250$ 606,250$ -$ 30,000,000$
6 606,250$ 606,250$ -$ 30,000,000$
7 606,250$ 606,250$ -$ 30,000,000$
8 606,250$ 606,250$ -$ 30,000,000$
9 606,250$ 606,250$ -$ 30,000,000$
10 606,250$ 606,250$ -$ 30,000,000$
11 606,250$ 606,250$ -$ 30,000,000$
12 606,250$ 606,250$ -$ 30,000,000$
13 1,231,250$ 606,250$ 625,000$ 29,375,000$
14 1,218,620$ 593,620$ 625,000$ 28,750,000$
15 1,205,990$ 580,990$ 625,000$ 28,125,000$
16 1,193,359$ 568,359$ 625,000$ 27,500,000$
17 1,180,729$ 555,729$ 625,000$ 26,875,000$
18 1,168,099$ 543,099$ 625,000$ 26,250,000$
19 1,155,469$ 530,469$ 625,000$ 25,625,000$
20 1,142,839$ 517,839$ 625,000$ 25,000,000$
21 1,130,208$ 505,208$ 625,000$ 24,375,000$
22 1,117,578$ 492,578$ 625,000$ 23,750,000$
23 1,104,948$ 479,948$ 625,000$ 23,125,000$
24 1,092,318$ 467,318$ 625,000$ 22,500,000$
25 1,079,688$ 454,688$ 625,000$ 21,875,000$
26 1,067,057$ 442,057$ 625,000$ 21,250,000$
27 1,054,427$ 429,427$ 625,000$ 20,625,000$
28 1,041,797$ 416,797$ 625,000$ 20,000,000$
29 1,029,167$ 404,167$ 625,000$ 19,375,000$
30 1,016,536$ 391,536$ 625,000$ 18,750,000$
31 1,003,906$ 378,906$ 625,000$ 18,125,000$
32 991,276$ 366,276$ 625,000$ 17,500,000$
33 978,646$ 353,646$ 625,000$ 16,875,000$
34 966,016$ 341,016$ 625,000$ 16,250,000$
35 953,385$ 328,385$ 625,000$ 15,625,000$
36 940,755$ 315,755$ 625,000$ 15,000,000$
37 928,125$ 303,125$ 625,000$ 14,375,000$
38 915,495$ 290,495$ 625,000$ 13,750,000$
39 902,865$ 277,865$ 625,000$ 13,125,000$
40 890,234$ 265,234$ 625,000$ 12,500,000$
41 877,604$ 252,604$ 625,000$ 11,875,000$
42 864,974$ 239,974$ 625,000$ 11,250,000$
43 852,344$ 227,344$ 625,000$ 10,625,000$
44 839,714$ 214,714$ 625,000$ 10,000,000$
45 827,083$ 202,083$ 625,000$ 9,375,000$
46 814,453$ 189,453$ 625,000$ 8,750,000$
47 801,823$ 176,823$ 625,000$ 8,125,000$
48 789,193$ 164,193$ 625,000$ 7,500,000$
49 776,563$ 151,563$ 625,000$ 6,875,000$
50 763,932$ 138,932$ 625,000$ 6,250,000$
51 751,302$ 126,302$ 625,000$ 5,625,000$
52 738,672$ 113,672$ 625,000$ 5,000,000$
53 726,042$ 101,042$ 625,000$ 4,375,000$
54 713,411$ 88,411$ 625,000$ 3,750,000$
55 700,781$ 75,781$ 625,000$ 3,125,000$
56 688,151$ 63,151$ 625,000$ 2,500,000$
57 675,521$ 50,521$ 625,000$ 1,875,000$
58 662,891$ 37,891$ 625,000$ 1,250,000$
59 650,260$ 25,260$ 625,000$ 625,000$
60 637,630$ 12,630$ 625,000$ -$
TOTAL 52,128,125$ 22,128,125$ 30,000,000$ 1,095,000,000$
SISTEMA DE AMORTIZACIÒN CUOTA VARIABLE O DECRECIENTE (CON TIEMPO DE GRACIA A CAPITAL)
USO
$ -
$ 10,000,000
$ 20,000,000
$ 30,000,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61
ACTIVIDAD DE USO
USO
$ -
$ 500,000
$ 1,000,000
1 4 7 1013161922252831 34 37 40 43 46 49 52 55 58
ACTIVIDAD DE VALOR INTERES VS ABONO CAPITAL
VALOR INTERES
ABONO CAPITAL
MENU
VALOR CREDITO 30,000,000$
TASA DE INTERES 24.25% 0.02021
PLAZO/TIEMPO 60 NUEVO PLAZO 48
CAPITALIZACIÒN 12
TIEMPO DE GRACIA 12
VALOR A CAPITAL 794,596$
N DE PERIODO VALOR CUOTA VALOR INTERES VALOR CAPITAL SALDO
0 30,000,000$
1 -$ 606,250$ -$ 30,606,250$
2 -$ 618,501$ -$ 31,224,751$
3 -$ 631,000$ -$ 31,855,751$
4 -$ 643,752$ -$ 32,499,503$
5 -$ 656,761$ -$ 33,156,264$
6 -$ 670,033$ -$ 33,826,297$
7 -$ 683,573$ -$ 34,509,870$
8 -$ 697,387$ -$ 35,207,257$
9 -$ 711,480$ -$ 35,918,737$
10 -$ 725,858$ -$ 36,644,595$
11 -$ 740,526$ -$ 37,385,121$
12 -$ 755,491$ -$ 38,140,612$
13 1,565,354$ 770,758$ 794,596$ 37,346,016$
14 1,549,297$ 754,701$ 794,596$ 36,551,420$
15 1,533,239$ 738,643$ 794,596$ 35,756,824$
16 1,517,182$ 722,586$ 794,596$ 34,962,227$
17 1,501,124$ 706,528$ 794,596$ 34,167,631$
18 1,485,067$ 690,471$ 794,596$ 33,373,035$
19 1,469,009$ 674,413$ 794,596$ 32,578,439$
20 1,452,952$ 658,356$ 794,596$ 31,783,843$
21 1,436,895$ 642,298$ 794,596$ 30,989,247$
22 1,420,837$ 626,241$ 794,596$ 30,194,651$
23 1,404,780$ 610,184$ 794,596$ 29,400,055$
24 1,388,722$ 594,126$ 794,596$ 28,605,459$
25 1,372,665$ 578,069$ 794,596$ 27,810,863$
26 1,356,607$ 562,011$ 794,596$ 27,016,267$
27 1,340,550$ 545,954$ 794,596$ 26,221,671$
28 1,324,492$ 529,896$ 794,596$ 25,427,074$
29 1,308,435$ 513,839$ 794,596$ 24,632,478$
30 1,292,377$ 497,781$ 794,596$ 23,837,882$
31 1,276,320$ 481,724$ 794,596$ 23,043,286$
32 1,260,262$ 465,666$ 794,596$ 22,248,690$
33 1,244,205$ 449,609$ 794,596$ 21,454,094$
34 1,228,148$ 433,551$ 794,596$ 20,659,498$
SISTEMA DE AMORTIZACIÒN CUOTA VARIABLE O DECRECIENTE (CON TIEMPO DE GRACIA A CAPITAL E INTERESES)
35 1,212,090$ 417,494$ 794,596$ 19,864,902$
36 1,196,033$ 401,437$ 794,596$ 19,070,306$
37 1,179,975$ 385,379$ 794,596$ 18,275,710$
38 1,163,918$ 369,322$ 794,596$ 17,481,114$
39 1,147,860$ 353,264$ 794,596$ 16,686,518$
40 1,131,803$ 337,207$ 794,596$ 15,891,922$
41 1,115,745$ 321,149$ 794,596$ 15,097,325$
42 1,099,688$ 305,092$ 794,596$ 14,302,729$
43 1,083,630$ 289,034$ 794,596$ 13,508,133$
44 1,067,573$ 272,977$ 794,596$ 12,713,537$
45 1,051,515$ 256,919$ 794,596$ 11,918,941$
46 1,035,458$ 240,862$ 794,596$ 11,124,345$
47 1,019,401$ 224,804$ 794,596$ 10,329,749$
48 1,003,343$ 208,747$ 794,596$ 9,535,153$
49 987,286$ 192,690$ 794,596$ 8,740,557$
50 971,228$ 176,632$ 794,596$ 7,945,961$
51 955,171$ 160,575$ 794,596$ 7,151,365$
52 939,113$ 144,517$ 794,596$ 6,356,769$
53 923,056$ 128,460$ 794,596$ 5,562,173$
54 906,998$ 112,402$ 794,596$ 4,767,576$
55 890,941$ 96,345$ 794,596$ 3,972,980$
56 874,883$ 80,287$ 794,596$ 3,178,384$
57 858,826$ 64,230$ 794,596$ 2,383,788$
58 842,768$ 48,172$ 794,596$ 1,589,192$
59 826,711$ 32,115$ 794,596$ 794,596$
60 810,654$ 16,057$ 794,596$ (0)$
TOTAL 65,164,799$ 27,024,188$ 38,140,612$ 1,337,279,383$
SISTEMA DE AMORTIZACIÒN CUOTA VARIABLE O DECRECIENTE (CON TIEMPO DE GRACIA A CAPITAL E INTERESES)
USO
$ -
$ 20,000,000
$ 40,000,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD DE USO
USO
VALOR INTERES
$ -
$ 200,000
$ 400,000
$ 600,000
$ 800,000
1 4 7 1013161922 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD VALOR INTERES VS ABONO CAPITAL
VALOR INTERES ABONO CAPITAL
MENU
SISTEMA DE AMORTIZACIÒN CUOTA VARIABLE O DECRECIENTE (CON TIEMPO DE GRACIA A CAPITAL E INTERESES)
VALOR ACTIVO 30,000,000$
TASA DE INTERES 24.25% 0.02021
PLAZO/TIEMPO 60
CAPITALIZACIÒN 12
OPCIÒN DE COMPRA 10% 3,000,000$
CANON DE ARRENDAMIENTO 841,283$
TABLA DE AMORTIZACIÒN
N DE PERIODOS CANON DE ARRENDAMIENTO VALOR INTERES ABONO A CAPITAL
0
1 841,283$ 606,250$ 235,033$
2 841,283$ 601,500$ 239,783$
3 841,283$ 596,655$ 244,628$
4 841,283$ 591,711$ 249,572$
5 841,283$ 586,668$ 254,615$
6 841,283$ 581,522$ 259,761$
7 841,283$ 576,273$ 265,010$
8 841,283$ 570,918$ 270,365$
9 841,283$ 565,454$ 275,829$
10 841,283$ 559,880$ 281,403$
11 841,283$ 554,193$ 287,090$
12 841,283$ 548,392$ 292,891$
13 841,283$ 542,473$ 298,810$
14 841,283$ 536,434$ 304,849$
15 841,283$ 530,274$ 311,009$
16 841,283$ 523,989$ 317,294$
17 841,283$ 517,577$ 323,706$
18 841,283$ 511,035$ 330,247$
19 841,283$ 504,362$ 336,921$
20 841,283$ 497,553$ 343,730$
21 841,283$ 490,607$ 350,676$
22 841,283$ 483,520$ 357,763$
23 841,283$ 476,291$ 364,992$
24 841,283$ 468,915$ 372,368$
25 841,283$ 461,390$ 379,893$
26 841,283$ 453,713$ 387,570$
27 841,283$ 445,881$ 395,402$
28 841,283$ 437,890$ 403,393$
29 841,283$ 429,738$ 411,545$
30 841,283$ 421,422$ 419,861$
31 841,283$ 412,937$ 428,346$
32 841,283$ 404,281$ 437,002$
SISTEMA DE AMORTIZACIÒN LEASING
33 841,283$ 395,450$ 445,833$
34 841,283$ 386,440$ 454,843$
35 841,283$ 377,248$ 464,034$
36 841,283$ 367,871$ 473,412$
37 841,283$ 358,304$ 482,979$
38 841,283$ 348,544$ 492,739$
39 841,283$ 338,587$ 502,696$
40 841,283$ 328,428$ 512,855$
41 841,283$ 318,064$ 523,219$
42 841,283$ 307,491$ 533,792$
43 841,283$ 296,704$ 544,579$
44 841,283$ 285,699$ 555,584$
45 841,283$ 274,471$ 566,812$
46 841,283$ 263,017$ 578,266$
47 841,283$ 251,331$ 589,952$
48 841,283$ 239,409$ 601,874$
49 841,283$ 227,246$ 614,037$
50 841,283$ 214,838$ 626,445$
51 841,283$ 202,178$ 639,105$
52 841,283$ 189,263$ 652,020$
53 841,283$ 176,087$ 665,196$
54 841,283$ 162,644$ 678,639$
55 841,283$ 148,930$ 692,353$
56 841,283$ 134,939$ 706,344$
57 841,283$ 120,665$ 720,618$
58 841,283$ 106,102$ 735,181$
59 841,283$ 91,245$ 750,038$
60 841,283$ 76,088$ 765,195$
61 VALOR OPCION DE COMPRA 3,000,000$
TOTAL 50,476,979$ 23,476,979$ 30,000,000$
SALDO
30,000,000$
29,764,967$
29,525,184$
29,280,556$
29,030,984$
28,776,369$
28,516,609$
28,251,599$
27,981,234$
27,705,405$
27,424,002$
27,136,912$
26,844,021$
26,545,211$
26,240,363$
25,929,354$
25,612,060$
25,288,354$
24,958,106$
24,621,185$
24,277,455$
23,926,779$
23,569,016$
23,204,024$
22,831,656$
22,451,762$
22,064,192$
21,668,790$
21,265,397$
20,853,852$
20,433,991$
20,005,644$
19,568,642$
SISTEMA DE AMORTIZACIÒN LEASING
USO
$ -
$ 10,000,000
$ 20,000,000
$ 30,000,000
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61
ACTIVIDAD DE USO
USO
VALOR INTERES
$ -
$ 200,000
$ 400,000
$ 600,000
$ 800,000
1 4 7 10131619 22 25 28 31 34 37 40 43 46 49 52 55 58
ACTIVIDAD VALOR INTERES VS ABONO CAPITAL
VALOR INTERES ABONO CAPITAL
MENU
19,122,809$
18,667,966$
18,203,931$
17,730,520$
17,247,541$
16,754,802$
16,252,106$
15,739,251$
15,216,032$
14,682,239$
14,137,660$
13,582,075$
13,015,264$
12,436,997$
11,847,045$
11,245,171$
10,631,135$
10,004,689$
9,365,584$
8,713,564$
8,048,368$
7,369,729$
6,677,376$
5,971,032$
5,250,413$
4,515,232$
3,765,195$
3,000,000$
-$
USO
TASAS COMBINADAS
TASA PRINCIPAL 15.23%
TASA1 5.00%
TASA2 7.00%
TASA3 2.00%
TC 32.05% EA
TASAS COMBINADAS
TASA COMBINADA DTF
DTF 4.07% ATA
TASA1 7.00%
TASA2 2.00%
TC 13.07% ATA
4 PERIODO
14.21% EA
TASAS COMBINADAS
MENU
PRESENTES FUTURAS
(CREDITO) (AHORRO/INVERSION)
ANUALIDAD ANUALIDAD
VALOR PRESENTE ANUAL 10,000,000$ VALOR FUTURO ANUAL
TASA DE INTERES 20.28% 0.0507 IP TASA DE INTERES
PLAZO-TIEMPO 15 PLAZO-TIEMPO
CAPITALIZACION 4 CAPITALIZACION
ANUALIDAD $ 967,987 ANUALIDAD
ANUALIDAD 357,000$ ANUALIDAD
TASA DE INTERES 18.91% 0.03152 IP TASA DE INTERES
PLAZO-TIEMPO 20 PLAZO-TIEMPO
CAPITALIZACION 6 CAPITALIZACION
ANUALIDAD $ 5,237,541 ANUALIDAD
ANUALIDADES
10,000,000$
6.35% 0.000174 IP
2555
365
$ 3,109
12,000$
15.15% 0.002913 IP
52
52
$ 672,693
MENU