PASO 2- ANÁLISIS DE ALTERNATIVAS Y TOMA DE DECISIONES DE

FINANCIACIÓN
 
 

 
 
 ANDRES FELIPE CHAPARRO
CÓDIGO: 80161761
 
 
GRUPO: 102007_3
 
 
 
TUTOR: NELSON EMIRO NOGUERA
 
 
 
  
  
UNIVERSIDAD NACIONAL ABIERTA Y A DISTANCIA (UNAD)
ESCUELA DE CIENCIAS ADMINISTRATIVAS, CONTABLES, ECONÓMICAS Y
DE NEGOCIOS (ECACEN)
PROGRAMA DE ADMINISTRACIÓN DE EMPRESAS
MATEMÁTICA FINANCIERA
BOGOTÁ D.C,2020
 CUOTA FIJA CON PERIODO MUERTO

DATOS GENERALES
Periodo de gracia muerto 24 meses
Valor del prestamo $ 155,000,000 DTF
Tasa 7.92%
Meses 84 Meses
Cuota $ 3,719,140

TABLA DE AMORTIZACION
MES CUOTA INTERES
0 $ - $ -
1 $ - $ 987,642
2 $ - $ 993,935
3 $ - $ 1,000,228
4 $ - $ 1,006,561
5 $ - $ 1,012,935
6 $ - $ 1,019,348
7 $ - $ 1,025,803
8 $ - $ 1,032,298
9 $ - $ 1,038,834
10 $ - $ 1,045,412
11 $ - $ 1,052,031
12 $ - $ 1,058,693
13 $ - $ 1,065,396
14 $ - $ 1,072,142
15 $ - $ 1,078,930
16 $ - $ 1,085,762
17 $ - $ 1,092,637
18 $ - $ 1,099,555
19 $ - $ 1,106,517
20 $ - $ 1,113,523
21 $ - $ 1,120,574
22 $ - $ 1,127,669
23 $ - $ 1,134,809
24 $ - $ 1,141,995
25 $ 3,719,140 $ 1,149,226
26 $ 3,719,140 $ 1,156,502
27 $ 3,719,140 $ 1,140,127
28 $ 3,719,140 $ 1,123,798
29 $ 3,719,140 $ 1,107,365
30 $ 3,719,140 $ 1,090,828
31 $ 3,719,140 $ 1,074,186
32 $ 3,719,140 $ 1,057,439
33 $ 3,719,140 $ 1,040,585
34 $ 3,719,140 $ 1,023,625
35 $ 3,719,140 $ 1,006,558
36 $ 3,719,140 $ 989,382
37 $ 3,719,140 $ 972,098
38 $ 3,719,140 $ 954,705
39 $ 3,719,140 $ 937,201
40 $ 3,719,140 $ 919,586
41 $ 3,719,140 $ 901,860
42 $ 3,719,140 $ 884,021
43 $ 3,719,140 $ 866,070
44 $ 3,719,140 $ 848,005
45 $ 3,719,140 $ 829,826
46 $ 3,719,140 $ 811,531
47 $ 3,719,140 $ 793,121
48 $ 3,719,140 $ 774,594
49 $ 3,719,140 $ 755,949
50 $ 3,719,140 $ 737,187
51 $ 3,719,140 $ 718,306
52 $ 3,719,140 $ 699,305
53 $ 3,719,140 $ 680,184
54 $ 3,719,140 $ 660,942
55 $ 3,719,140 $ 641,579
56 $ 3,719,140 $ 622,092
57 $ 3,719,140 $ 602,482
58 $ 3,719,140 $ 582,748
59 $ 3,719,140 $ 562,889
60 $ 3,719,140 $ 542,904
61 $ 3,719,140 $ 522,793
62 $ 3,719,140 $ 502,555
63 $ 3,719,140 $ 482,188
64 $ 3,719,140 $ 461,692
65 $ 3,719,140 $ 441,067
66 $ 3,719,140 $ 420,311
67 $ 3,719,140 $ 399,423
68 $ 3,719,140 $ 378,403
69 $ 3,719,140 $ 357,250
70 $ 3,719,140 $ 335,964
71 $ 3,719,140 $ 314,542
72 $ 3,719,140 $ 292,985
73 $ 3,719,140 $ 271,291
74 $ 3,719,140 $ 249,460
75 $ 3,719,140 $ 227,491
76 $ 3,719,140 $ 205,382
77 $ 3,719,140 $ 183,134
78 $ 3,719,140 $ 160,745
79 $ 3,719,140 $ 138,214
80 $ 3,719,140 $ 115,540
81 $ 3,719,140 $ 92,723
82 $ 3,719,140 $ 69,761
83 $ 3,719,140 $ 46,654
84 $ 3,719,140 $ 23,401
RIODO MUERTO

ERALES

4.42%
0.64% TM

RTIZACION
AMORTIZACIÓN SALDO
$ - $ 155,000,000
-$ 987,642 $ 155,987,642
-$ 993,935 $ 156,975,284
-$ 1,000,228 $ 157,969,219
-$ 1,006,561 $ 158,969,447
-$ 1,012,935 $ 159,976,009
-$ 1,019,348 $ 160,988,943
-$ 1,025,803 $ 162,008,292
-$ 1,032,298 $ 163,034,095
-$ 1,038,834 $ 164,066,393
-$ 1,045,412 $ 165,105,227
-$ 1,052,031 $ 166,150,639
-$ 1,058,693 $ 167,202,670
-$ 1,065,396 $ 168,261,363
-$ 1,072,142 $ 169,326,758
-$ 1,078,930 $ 170,398,900
-$ 1,085,762 $ 171,477,831
-$ 1,092,637 $ 172,563,593
-$ 1,099,555 $ 173,656,229
-$ 1,106,517 $ 174,755,784
-$ 1,113,523 $ 175,862,302
-$ 1,120,574 $ 176,975,825
-$ 1,127,669 $ 178,096,399
-$ 1,134,809 $ 179,224,069
-$ 1,141,995 $ 180,358,878
$ 2,569,914 $ 181,500,873
$ 2,562,637 $ 178,930,959
$ 2,579,013 $ 176,368,321
$ 2,595,341 $ 173,789,309
$ 2,611,775 $ 171,193,967
$ 2,628,312 $ 168,582,193
$ 2,644,954 $ 165,953,881
$ 2,661,701 $ 163,308,927
$ 2,678,554 $ 160,647,226
$ 2,695,514 $ 157,968,672
$ 2,712,582 $ 155,273,157
$ 2,729,757 $ 152,560,576
$ 2,747,042 $ 149,830,818
$ 2,764,435 $ 147,083,777
$ 2,781,939 $ 144,319,341
$ 2,799,554 $ 141,537,402
$ 2,817,280 $ 138,737,848
$ 2,835,118 $ 135,920,568
$ 2,853,070 $ 133,085,450
$ 2,871,135 $ 130,232,380
$ 2,889,314 $ 127,361,245
$ 2,907,609 $ 124,471,931
$ 2,926,019 $ 121,564,322
$ 2,944,546 $ 118,638,303
$ 2,963,190 $ 115,693,757
$ 2,981,953 $ 112,730,566
$ 3,000,834 $ 109,748,614
$ 3,019,834 $ 106,747,780
$ 3,038,955 $ 103,727,945
$ 3,058,197 $ 100,688,990
$ 3,077,561 $ 97,630,793
$ 3,097,048 $ 94,553,231
$ 3,116,658 $ 91,456,183
$ 3,136,392 $ 88,339,526
$ 3,156,251 $ 85,203,134
$ 3,176,235 $ 82,046,883
$ 3,196,347 $ 78,870,648
$ 3,216,585 $ 75,674,301
$ 3,236,952 $ 72,457,716
$ 3,257,448 $ 69,220,764
$ 3,278,073 $ 65,963,316
$ 3,298,829 $ 62,685,243
$ 3,319,717 $ 59,386,414
$ 3,340,737 $ 56,066,697
$ 3,361,889 $ 52,725,961
$ 3,383,176 $ 49,364,071
$ 3,404,598 $ 45,980,895
$ 3,426,155 $ 42,576,297
$ 3,447,849 $ 39,150,142
$ 3,469,680 $ 35,702,294
$ 3,491,649 $ 32,232,614
$ 3,513,757 $ 28,740,965
$ 3,536,006 $ 25,227,208
$ 3,558,395 $ 21,691,202
$ 3,580,926 $ 18,132,807
$ 3,603,600 $ 14,551,881
$ 3,626,417 $ 10,948,281
$ 3,649,379 $ 7,321,864
$ 3,672,486 $ 3,672,486
$ 3,695,739 $ 0
 CUOTA FIJA CON PERIODO DE GRACIA

DATOS GENERALES
Valor del préstamo $ 155,000,000.00
Periodo de Gracia 12 Meses
Tasa 6.97%
Meses 48 Meses

TABLA DE AMORTIZACION
MES CUOTA INTERES
0 $ - $ -
1 $ 872,750 $ 872,750
2 $ 872,750 $ 872,750
3 $ 872,750 $ 872,750
4 $ 872,750 $ 872,750
5 $ 872,750 $ 872,750
6 $ 872,750 $ 872,750
7 $ 872,750 $ 872,750
8 $ 872,750 $ 872,750
9 $ 872,750 $ 872,750
10 $ 872,750 $ 872,750
11 $ 872,750 $ 872,750
12 $ 872,750 $ 872,750
13 $ 4,915,698 $ 872,750
14 $ 4,915,698 $ 872,750
15 $ 4,915,698 $ 849,986
16 $ 4,915,698 $ 827,221
17 $ 4,915,698 $ 804,329
18 $ 4,915,698 $ 781,308
19 $ 4,915,698 $ 758,158
20 $ 4,915,698 $ 734,879
21 $ 4,915,698 $ 711,469
22 $ 4,915,698 $ 687,929
23 $ 4,915,698 $ 664,256
24 $ 4,915,698 $ 640,451
25 $ 4,915,698 $ 616,513
26 $ 4,915,698 $ 592,440
27 $ 4,915,698 $ 568,233
28 $ 4,915,698 $ 543,890
29 $ 4,915,698 $ 519,411
30 $ 4,915,698 $ 494,795
31 $ 4,915,698 $ 470,041
32 $ 4,915,698 $ 445,149
33 $ 4,915,698 $ 420,117
34 $ 4,915,698 $ 394,945
35 $ 4,915,698 $ 369,632
36 $ 4,915,698 $ 344,177
37 $ 4,915,698 $ 318,580
38 $ 4,915,698 $ 292,839
39 $ 4,915,698 $ 266,954
40 $ 4,915,698 $ 240,925
41 $ 4,915,698 $ 214,749
42 $ 4,915,698 $ 188,427
43 $ 4,915,698 $ 161,958
44 $ 4,915,698 $ 135,340
45 $ 4,915,698 $ 108,574
46 $ 4,915,698 $ 81,657
47 $ 4,915,698 $ 54,590
48 $ 4,915,698 $ 27,371
RIODO DE GRACIA

NERALES
IPC
3.86 %
0.56% TM
10.36

ORTIZACION
AMORTIZACIÓN SALDO
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ - $ 155,000,000
$ 4,042,948 $ 155,000,000
$ 4,042,948 $ 150,957,052
$ 4,065,712 $ 146,914,105
$ 4,088,477 $ 142,848,392
$ 4,111,369 $ 138,759,916
$ 4,134,390 $ 134,648,547
$ 4,157,540 $ 130,514,157
$ 4,180,819 $ 126,356,617
$ 4,204,228 $ 122,175,799
$ 4,227,769 $ 117,971,570
$ 4,251,442 $ 113,743,801
$ 4,275,247 $ 109,492,359
$ 4,299,185 $ 105,217,113
$ 4,323,258 $ 100,917,928
$ 4,347,465 $ 96,594,670
$ 4,371,807 $ 92,247,205
$ 4,396,286 $ 87,875,398
$ 4,420,903 $ 83,479,111
$ 4,445,656 $ 79,058,209
$ 4,470,549 $ 74,612,552
$ 4,495,581 $ 70,142,003
$ 4,520,753 $ 65,646,422
$ 4,546,066 $ 61,125,669
$ 4,571,521 $ 56,579,603
$ 4,597,118 $ 52,008,083
$ 4,622,859 $ 47,410,964
$ 4,648,743 $ 42,788,106
$ 4,674,773 $ 38,139,362
$ 4,700,949 $ 33,464,589
$ 4,727,271 $ 28,763,641
$ 4,753,740 $ 24,036,370
$ 4,780,358 $ 19,282,630
$ 4,807,124 $ 14,502,273
$ 4,834,041 $ 9,695,148
$ 4,861,108 $ 4,861,108
$ 4,888,327 $ 0
 AMORTIZACIÓN CONSTANTE A CAPITAL

DATOS GENERALES
Valor Crédito $ 155,000,000 IBR
Tasa 7.42%
Meses 72 Meses

TABLA DE AMORTIZACION
MES CUOTA INTERES
0 $ - $ -
1 $ 3,080,066 $ 927,289
2 $ 3,067,187 $ 914,410
3 $ 3,054,308 $ 901,531
4 $ 3,041,429 $ 888,652
5 $ 3,028,550 $ 875,773
6 $ 3,015,671 $ 862,894
7 $ 3,002,792 $ 850,015
8 $ 2,989,913 $ 837,136
9 $ 2,977,034 $ 824,257
10 $ 2,964,155 $ 811,378
11 $ 2,951,276 $ 798,499
12 $ 2,938,397 $ 785,620
13 $ 2,925,518 $ 772,741
14 $ 2,912,639 $ 759,862
15 $ 2,899,760 $ 746,983
16 $ 2,886,881 $ 734,104
17 $ 2,874,002 $ 721,224
18 $ 2,861,123 $ 708,345
19 $ 2,848,244 $ 695,466
20 $ 2,835,365 $ 682,587
21 $ 2,822,486 $ 669,708
22 $ 2,809,607 $ 656,829
23 $ 2,796,728 $ 643,950
24 $ 2,783,849 $ 631,071
25 $ 2,770,970 $ 618,192
26 $ 2,758,091 $ 605,313
27 $ 2,745,212 $ 592,434
28 $ 2,732,333 $ 579,555
29 $ 2,719,454 $ 566,676
30 $ 2,706,575 $ 553,797
31 $ 2,693,696 $ 540,918
32 $ 2,680,817 $ 528,039
33 $ 2,667,938 $ 515,160
34 $ 2,655,059 $ 502,281
35 $ 2,642,180 $ 489,402
36 $ 2,629,301 $ 476,523
37 $ 2,616,422 $ 463,644
38 $ 2,603,543 $ 450,765
39 $ 2,590,664 $ 437,886
40 $ 2,577,785 $ 425,007
41 $ 2,564,906 $ 412,128
42 $ 2,552,027 $ 399,249
43 $ 2,539,148 $ 386,370
44 $ 2,526,269 $ 373,491
45 $ 2,513,390 $ 360,612
46 $ 2,500,511 $ 347,733
47 $ 2,487,632 $ 334,854
48 $ 2,474,753 $ 321,975
49 $ 2,461,874 $ 309,096
50 $ 2,448,995 $ 296,217
51 $ 2,436,116 $ 283,338
52 $ 2,423,237 $ 270,459
53 $ 2,410,358 $ 257,580
54 $ 2,397,479 $ 244,701
55 $ 2,384,600 $ 231,822
56 $ 2,371,721 $ 218,943
57 $ 2,358,842 $ 206,064
58 $ 2,345,963 $ 193,185
59 $ 2,333,084 $ 180,306
60 $ 2,320,205 $ 167,427
61 $ 2,307,326 $ 154,548
62 $ 2,294,447 $ 141,669
63 $ 2,281,568 $ 128,790
64 $ 2,268,689 $ 115,911
65 $ 2,255,810 $ 103,032
66 $ 2,242,931 $ 90,153
67 $ 2,230,052 $ 77,274
68 $ 2,217,173 $ 64,395
69 $ 2,204,294 $ 51,516
70 $ 2,191,415 $ 38,637
71 $ 2,178,536 $ 25,758
72 $ 2,165,657 $ 12,879
ONSTANTE A CAPITAL

S
3.52%
0.60%

MORTIZACION
CAPITAL SALDO
$ - $ 155,000,000.00
$ 2,152,778 $ 152,847,222
$ 2,152,778 $ 150,694,444
$ 2,152,778 $ 148,541,667
$ 2,152,778 $ 146,388,889
$ 2,152,778 $ 144,236,111
$ 2,152,778 $ 142,083,333
$ 2,152,778 $ 139,930,556
$ 2,152,778 $ 137,777,778
$ 2,152,778 $ 135,625,000
$ 2,152,778 $ 133,472,222
$ 2,152,778 $ 131,319,444
$ 2,152,778 $ 129,166,667
$ 2,152,778 $ 127,013,889
$ 2,152,778 $ 124,861,111
$ 2,152,778 $ 122,708,333
$ 2,152,778 $ 120,555,556
$ 2,152,778 $ 118,402,778
$ 2,152,778 $ 116,250,000
$ 2,152,778 $ 114,097,222
$ 2,152,778 $ 111,944,444
$ 2,152,778 $ 109,791,667
$ 2,152,778 $ 107,638,889
$ 2,152,778 $ 105,486,111
$ 2,152,778 $ 103,333,333
$ 2,152,778 $ 101,180,556
$ 2,152,778 $ 99,027,778
$ 2,152,778 $ 96,875,000
$ 2,152,778 $ 94,722,222
$ 2,152,778 $ 92,569,444
$ 2,152,778 $ 90,416,667
$ 2,152,778 $ 88,263,889
$ 2,152,778 $ 86,111,111
$ 2,152,778 $ 83,958,333
$ 2,152,778 $ 81,805,556
$ 2,152,778 $ 79,652,778
$ 2,152,778 $ 77,500,000
$ 2,152,778 $ 75,347,222
$ 2,152,778 $ 73,194,444
$ 2,152,778 $ 71,041,667
$ 2,152,778 $ 68,888,889
$ 2,152,778 $ 66,736,111
$ 2,152,778 $ 64,583,333
$ 2,152,778 $ 62,430,556
$ 2,152,778 $ 60,277,778
$ 2,152,778 $ 58,125,000
$ 2,152,778 $ 55,972,222
$ 2,152,778 $ 53,819,444
$ 2,152,778 $ 51,666,667
$ 2,152,778 $ 49,513,889
$ 2,152,778 $ 47,361,111
$ 2,152,778 $ 45,208,333
$ 2,152,778 $ 43,055,556
$ 2,152,778 $ 40,902,778
$ 2,152,778 $ 38,750,000
$ 2,152,778 $ 36,597,222
$ 2,152,778 $ 34,444,444
$ 2,152,778 $ 32,291,667
$ 2,152,778 $ 30,138,889
$ 2,152,778 $ 27,986,111
$ 2,152,778 $ 25,833,333
$ 2,152,778 $ 23,680,556
$ 2,152,778 $ 21,527,778
$ 2,152,778 $ 19,375,000
$ 2,152,778 $ 17,222,222
$ 2,152,778 $ 15,069,444
$ 2,152,778 $ 12,916,667
$ 2,152,778 $ 10,763,889
$ 2,152,778 $ 8,611,111
$ 2,152,778 $ 6,458,333
$ 2,152,778 $ 4,305,556
$ 2,152,778 $ 2,152,778
$ 2,152,778 -$ 0
 Cuota Variable.
1ra. Cuota: 1% del valor del préstamo.
Gradiente Aritmético Decreciente.

DATOS GENERALES
Valor del Crédito $155,000,000
Tasa 11.50% 0.91% EM
Meses 60 Meses
Cuota $1,550,000
Gradiente -$67,744

TABLA DE AMORTIZACION
MESES SALDO INCIAL CUOTA INTERES
1 $155,000,000 $1,550,000 $1,412,433
2 $154,862,433 $1,617,744 $1,411,179
3 $154,655,868 $1,685,488 $1,409,297
4 $154,379,676 $1,753,232 $1,406,780
5 $154,033,224 $1,820,976 $1,403,623
6 $153,615,870 $1,888,721 $1,399,820
7 $153,126,969 $1,956,465 $1,395,365
8 $152,565,869 $2,024,209 $1,390,252
9 $151,931,912 $2,091,953 $1,384,475
10 $151,224,434 $2,159,697 $1,378,028
11 $150,442,765 $2,227,441 $1,370,905
12 $149,586,228 $2,295,185 $1,363,100
13 $148,654,143 $2,362,929 $1,354,606
14 $147,645,820 $2,430,674 $1,345,418
15 $146,560,564 $2,498,418 $1,335,529
16 $145,397,675 $2,566,162 $1,324,932
17 $144,156,445 $2,633,906 $1,313,621
18 $142,836,160 $2,701,650 $1,301,590
19 $141,436,100 $2,769,394 $1,288,832
20 $139,955,538 $2,837,138 $1,275,340
21 $138,393,740 $2,904,882 $1,261,109
22 $136,749,967 $2,972,626 $1,246,130
23 $135,023,470 $3,040,371 $1,230,397
24 $133,213,496 $3,108,115 $1,213,904
25 $131,319,286 $3,175,859 $1,196,643
26 $129,340,070 $3,243,603 $1,178,607
27 $127,275,074 $3,311,347 $1,159,790
28 $125,123,517 $3,379,091 $1,140,184
29 $122,884,610 $3,446,835 $1,119,782
30 $120,557,557 $3,514,579 $1,098,577
31 $118,141,554 $3,582,323 $1,076,561
32 $115,635,792 $3,650,068 $1,053,728
33 $113,039,452 $3,717,812 $1,030,068
34 $110,351,709 $3,785,556 $1,005,576
35 $107,571,729 $3,853,300 $980,244
36 $104,698,673 $3,921,044 $954,063
37 $101,731,693 $3,988,788 $927,027
38 $98,669,931 $4,056,532 $899,127
39 $95,512,526 $4,124,276 $870,355
40 $92,258,604 $4,192,021 $840,704
41 $88,907,287 $4,259,765 $810,165
42 $85,457,687 $4,327,509 $778,730
43 $81,908,909 $4,395,253 $746,392
44 $78,260,049 $4,462,997 $713,142
45 $74,510,194 $4,530,741 $678,972
46 $70,658,424 $4,598,485 $643,873
47 $66,703,812 $4,666,229 $607,836
48 $62,645,419 $4,733,973 $570,854
49 $58,482,300 $4,801,718 $532,918
50 $54,213,500 $4,869,462 $494,019
51 $49,838,057 $4,937,206 $454,148
52 $45,354,999 $5,004,950 $413,296
53 $40,763,345 $5,072,694 $371,455
54 $36,062,106 $5,140,438 $328,615
55 $31,250,283 $5,208,182 $284,767
56 $26,326,868 $5,275,926 $239,903
57 $21,290,844 $5,343,671 $194,012
58 $16,141,186 $5,411,415 $147,086
59 $10,876,857 $5,479,159 $99,115
60 $5,496,813 $5,546,903 $50,090
éstamo.
iente.

CION
ABONO SALDO FINAL
$137,567 $154,862,433
$206,565 $154,655,868
$276,192 $154,379,676
$346,452 $154,033,224
$417,354 $153,615,870
$488,901 $153,126,969
$561,100 $152,565,869
$633,957 $151,931,912
$707,478 $151,224,434
$781,669 $150,442,765
$856,536 $149,586,228
$932,085 $148,654,143
$1,008,323 $147,645,820
$1,085,256 $146,560,564
$1,162,889 $145,397,675
$1,241,230 $144,156,445
$1,320,285 $142,836,160
$1,400,060 $141,436,100
$1,480,562 $139,955,538
$1,561,798 $138,393,740
$1,643,774 $136,749,967
$1,726,497 $135,023,470
$1,809,973 $133,213,496
$1,894,211 $131,319,286
$1,979,216 $129,340,070
$2,064,996 $127,275,074
$2,151,557 $125,123,517
$2,238,907 $122,884,610
$2,327,053 $120,557,557
$2,416,002 $118,141,554
$2,505,762 $115,635,792
$2,596,340 $113,039,452
$2,687,743 $110,351,709
$2,779,979 $107,571,729
$2,873,056 $104,698,673
$2,966,981 $101,731,693
$3,061,761 $98,669,931
$3,157,406 $95,512,526
$3,253,922 $92,258,604
$3,351,317 $88,907,287
$3,449,600 $85,457,687
$3,548,778 $81,908,909
$3,648,861 $78,260,049
$3,749,855 $74,510,194
$3,851,769 $70,658,424
$3,954,613 $66,703,812
$4,058,393 $62,645,419
$4,163,119 $58,482,300
$4,268,799 $54,213,500
$4,375,443 $49,838,057
$4,483,058 $45,354,999
$4,591,654 $40,763,345
$4,701,239 $36,062,106
$4,811,823 $31,250,283
$4,923,415 $26,326,868
$5,036,024 $21,290,844
$5,149,658 $16,141,186
$5,264,329 $10,876,857
$5,380,044 $5,496,813
$5,496,813 $0
 BANCO BOGOTA

DATOS GENERALES
Valor del préstamo $ 155,000,000
Tasa de Interés 13.52% 1.06%
Cantidad de Periodos 72 Meses
Valor de la Cuota $3,090,919.04

TABLA DE AMORTIZACION
MESES CUOTA INTERES AMORTIZACIÓN
0 $ - $ - $ -
1 $ 3,090,919 $ 1,646,633 $ 1,444,286
2 $ 3,090,919 $ 1,631,289 $ 1,459,630
3 $ 3,090,919 $ 1,615,783 $ 1,475,136
4 $ 3,090,919 $ 1,600,112 $ 1,490,807
5 $ 3,090,919 $ 1,584,275 $ 1,506,645
6 $ 3,090,919 $ 1,568,269 $ 1,522,650
7 $ 3,090,919 $ 1,552,093 $ 1,538,826
8 $ 3,090,919 $ 1,535,745 $ 1,555,174
9 $ 3,090,919 $ 1,519,224 $ 1,571,695
10 $ 3,090,919 $ 1,502,527 $ 1,588,392
11 $ 3,090,919 $ 1,485,653 $ 1,605,266
12 $ 3,090,919 $ 1,468,600 $ 1,622,319
13 $ 3,090,919 $ 1,451,365 $ 1,639,554
14 $ 3,090,919 $ 1,433,947 $ 1,656,972
15 $ 3,090,919 $ 1,416,345 $ 1,674,574
16 $ 3,090,919 $ 1,398,555 $ 1,692,364
17 $ 3,090,919 $ 1,380,576 $ 1,710,343
18 $ 3,090,919 $ 1,362,406 $ 1,728,513
19 $ 3,090,919 $ 1,344,044 $ 1,746,875
20 $ 3,090,919 $ 1,325,486 $ 1,765,433
21 $ 3,090,919 $ 1,306,731 $ 1,784,188
22 $ 3,090,919 $ 1,287,777 $ 1,803,142
23 $ 3,090,919 $ 1,268,621 $ 1,822,298
24 $ 3,090,919 $ 1,249,262 $ 1,841,657
25 $ 3,090,919 $ 1,229,697 $ 1,861,222
26 $ 3,090,919 $ 1,209,925 $ 1,880,994
27 $ 3,090,919 $ 1,189,942 $ 1,900,977
28 $ 3,090,919 $ 1,169,747 $ 1,921,172
29 $ 3,090,919 $ 1,149,338 $ 1,941,581
30 $ 3,090,919 $ 1,128,712 $ 1,962,207
31 $ 3,090,919 $ 1,107,866 $ 1,983,053
32 $ 3,090,919 $ 1,086,799 $ 2,004,120
33 $ 3,090,919 $ 1,065,509 $ 2,025,410
34 $ 3,090,919 $ 1,043,992 $ 2,046,927
35 $ 3,090,919 $ 1,022,246 $ 2,068,673
36 $ 3,090,919 $ 1,000,270 $ 2,090,649
37 $ 3,090,919 $ 978,060 $ 2,112,859
38 $ 3,090,919 $ 955,614 $ 2,135,305
39 $ 3,090,919 $ 932,930 $ 2,157,989
40 $ 3,090,919 $ 910,005 $ 2,180,914
41 $ 3,090,919 $ 886,836 $ 2,204,083
42 $ 3,090,919 $ 863,421 $ 2,227,498
43 $ 3,090,919 $ 839,757 $ 2,251,162
44 $ 3,090,919 $ 815,842 $ 2,275,077
45 $ 3,090,919 $ 791,673 $ 2,299,246
46 $ 3,090,919 $ 767,247 $ 2,323,672
47 $ 3,090,919 $ 742,562 $ 2,348,357
48 $ 3,090,919 $ 717,614 $ 2,373,305
49 $ 3,090,919 $ 692,402 $ 2,398,517
50 $ 3,090,919 $ 666,921 $ 2,423,998
51 $ 3,090,919 $ 641,170 $ 2,449,749
52 $ 3,090,919 $ 615,145 $ 2,475,774
53 $ 3,090,919 $ 588,844 $ 2,502,075
54 $ 3,090,919 $ 562,263 $ 2,528,656
55 $ 3,090,919 $ 535,400 $ 2,555,519
56 $ 3,090,919 $ 508,252 $ 2,582,667
57 $ 3,090,919 $ 480,815 $ 2,610,104
58 $ 3,090,919 $ 453,087 $ 2,637,832
59 $ 3,090,919 $ 425,064 $ 2,665,855
60 $ 3,090,919 $ 396,744 $ 2,694,176
61 $ 3,090,919 $ 368,122 $ 2,722,797
62 $ 3,090,919 $ 339,197 $ 2,751,722
63 $ 3,090,919 $ 309,964 $ 2,780,955
64 $ 3,090,919 $ 280,421 $ 2,810,498
65 $ 3,090,919 $ 250,563 $ 2,840,356
66 $ 3,090,919 $ 220,389 $ 2,870,530
67 $ 3,090,919 $ 189,894 $ 2,901,025
68 $ 3,090,919 $ 159,075 $ 2,931,844
69 $ 3,090,919 $ 127,929 $ 2,962,990
70 $ 3,090,919 $ 96,452 $ 2,994,467
71 $ 3,090,919 $ 64,640 $ 3,026,279
72 $ 3,090,919 $ 32,491 $ 3,058,428
$ 67,546,171
 13.52

TM

SALDO FINAL
$ 155,000,000
$ 153,555,714
$ 152,096,084
$ 150,620,948
$ 149,130,141
$ 147,623,496
$ 146,100,846
$ 144,562,020
$ 143,006,846
$ 141,435,151
$ 139,846,760
$ 138,241,494
$ 136,619,174
$ 134,979,620
$ 133,322,649
$ 131,648,074
$ 129,955,710
$ 128,245,367
$ 126,516,855
$ 124,769,979
$ 123,004,546
$ 121,220,358
$ 119,417,216
$ 117,594,918
$ 115,753,261
$ 113,892,039
$ 112,011,045
$ 110,110,068
$ 108,188,896
$ 106,247,315
$ 104,285,108
$ 102,302,055
$ 100,297,935
$ 98,272,525
$ 96,225,598
$ 94,156,925
$ 92,066,276
$ 89,953,417
$ 87,818,113
$ 85,660,124
$ 83,479,210
$ 81,275,127
$ 79,047,629
$ 76,796,467
$ 74,521,390
$ 72,222,144
$ 69,898,473
$ 67,550,116
$ 65,176,811
$ 62,778,294
$ 60,354,296
$ 57,904,547
$ 55,428,773
$ 52,926,698
$ 50,398,042
$ 47,842,524
$ 45,259,857
$ 42,649,753
$ 40,011,921
$ 37,346,066
$ 34,651,890
$ 31,929,093
$ 29,177,371
$ 26,396,416
$ 23,585,917
$ 20,745,562
$ 17,875,032
$ 14,974,007
$ 12,042,163
$ 9,079,174
$ 6,084,707
$ 3,058,428
0
 EVALUACIÓN DE ALTERNATIVAS DE CRÉDITO
Promedio
Banco Tasa E.A. Plazo meses Primeras 12
cuotas
A 7.92% 84 $ -
B 6.97% 48 $ 805,615
C 7.42% 72 $ 3,009,232
D 11.50% 60 $ 1,922,593
Investigado 13.52% 80 $ 2,853,156

¿Cuál es la alternativa de crédito que debe considerarse para financiar el proyecto?

La alternativa de crédito más adecuada es la del banco B, pues representa la mejor opción y que se ajusta a la c
empresa que se encuentra en un momento en el que la liquidez no es favorable para afrontar la deuda inmediata
este banco le ofrece una cuota de interes durante los primero 12 meses para luego a partir del segundo año una
empiece a ser rentable, se empiece a pagar el total de la deuda, se tiene en cuenta además que el dinero está pla
proyecto que se quiere emprender que se espera sea factible economica y financieramente.

¿Convendría que el gerente negocie dos (2) años más de plazo, sin que esto implique que se afecte la tasa de in

No es conveniente tomar esta decision ya que a mayor plazo, se cancelan mayor intereses.
 ANALISIS

Podemos analizar que la alternativa mas apropiada para la

solicitud del credito, es el Banco B en el cual se puede apreciar
una cuota justa teniendo en cuenta su problema de liquedez. Sus
beneficios los encuentra en una tasa de efectividad anual
competitiva.

ara financiar el proyecto?

pues representa la mejor opción y que se ajusta a la condición de la

uidez no es favorable para afrontar la deuda inmediatamente, por lo tanto
ero 12 meses para luego a partir del segundo año una vez el proyecto
euda, se tiene en cuenta además que el dinero está planeado para un
ble economica y financieramente.

plazo, sin que esto implique que se afecte la tasa de interés?

azo, se cancelan mayor intereses.