Johanna Simulador

15-may-2014

8-jun-1978

1-Jan-08

5-Feb-04

FECHA FINAL

FECHAS

FECHA FINAL

FECHA INICIAL

NUMERO DE DIAS

FECHA INICIAL

CALCULO CON FECHAS 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 GEOMETRICA

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

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

TASA DE INTERES 0.015 PLAZO-TIEMPO

TASA ANUAL 9.00%

INTERES COMPUESTO

5,139,183$

9% IP 0.015

4,700,000$

5,139,183$

9% 0.015

1.00 AÑOS

INTERES COMPUESTO

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

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

VALOR CREDITO 30,000,000$

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

$ 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

VALOR CREDITO 30,000,000

PLAZO/TIEMPO 60 NUEVO PLAZO

CAPITALIZACIÒN 12

TIEMPO DE GRACIA 12

VALOR CUOTA FIJA 1,248,731

N PERIODOS VALOR CUOTA FIJA V/R INTERES ABONO A CAPITAL

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$

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$

$ 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

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

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$

1,481,522,336$

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

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

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

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

SISTEMA DE AMORTIZACIÒN CUOTA VARIABLE O DECRECIENTE (CON TIEMPO DE GRACIA A CAPITAL)

TASA DE INTERES 0.2425 0.02021

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)

$ 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

$ 500,000

$ 1,000,000

1 4 7 1013161922252831 34 37 40 43 46 49 52 55 58

VALOR INTERES

ABONO CAPITAL

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$

$ 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

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

VALOR ACTIVO 30,000,000$

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

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$

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

$ 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

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

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$

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

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

ANUALIDAD $ 967,987 ANUALIDAD

ANUALIDAD 357,000$ ANUALIDAD

TASA DE INTERES 18.91% 0.03152 IP TASA DE INTERES

ANUALIDAD $ 5,237,541 ANUALIDAD

ANUALIDADES

10,000,000$

6.35% 0.000174 IP

$ 3,109

12,000$

15.15% 0.002913 IP

$ 672,693

Johanna Simulador

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