GRADIANTES

VP

A A+G

VP EN GRADIENTE LINIAL CRECIENTE

OBLIGACION ?
NPER 60 MESES
CUOTA (PAGO) 350,000
GRADIENTE 5,000
TASA 1.6% EPM

N CUOTA INTERES ABONO A CAPITAL SALDO

0 18,197,151
1 350,000 291,154 58,846 18,138,306
2 355,000 290,213 64,787 18,073,518
3 360,000 289,176 70,824 18,002,695
4 365,000 288,043 76,957 17,925,738
5 370,000 286,812 83,188 17,842,550
6 375,000 285,481 89,519 17,753,030
7 380,000 284,048 95,952 17,657,079
8 385,000 282,513 102,487 17,554,592
9 390,000 280,873 109,127 17,445,466
10 395,000 279,127 115,873 17,329,593
11 400,000 277,273 122,727 17,206,867
12 405,000 275,310 129,690 17,077,176
13 410,000 273,235 136,765 16,940,411
14 415,000 271,047 143,953 16,796,458
15 420,000 268,743 151,257 16,645,201
16 425,000 266,323 158,677 16,486,524
17 430,000 263,784 166,216 16,320,309
18 435,000 261,125 173,875 16,146,434
19 440,000 258,343 181,657 15,964,777
20 445,000 255,436 189,564 15,775,213
21 450,000 252,403 197,597 15,577,617
22 455,000 249,242 205,758 15,371,858
23 460,000 245,950 214,050 15,157,808
24 465,000 242,525 222,475 14,935,333
25 470,000 238,965 231,035 14,704,298
26 475,000 235,269 239,731 14,464,567
27 480,000 231,433 248,567 14,216,000
28 485,000 227,456 257,544 13,958,456
29 490,000 223,335 266,665 13,691,792
30 495,000 219,069 275,931 13,415,860
31 500,000 214,654 285,346 13,130,514
32 505,000 210,088 294,912 12,835,602
33 510,000 205,370 304,630 12,530,972
34 515,000 200,496 314,504 12,216,467
35 520,000 195,463 324,537 11,891,931
36 525,000 190,271 334,729 11,557,202
37 530,000 184,915 345,085 11,212,117
38 535,000 179,394 355,606 10,856,511
39 540,000 173,704 366,296 10,490,215
40 545,000 167,843 377,157 10,113,058
41 550,000 161,809 388,191 9,724,867
42 555,000 155,598 399,402 9,325,465
43 560,000 149,207 410,793 8,914,673
44 565,000 142,635 422,365 8,492,307
45 570,000 135,877 434,123 8,058,184
46 575,000 128,931 446,069 7,612,115
47 580,000 121,794 458,206 7,153,909
48 585,000 114,463 470,537 6,683,372
49 590,000 106,934 483,066 6,200,306
50 595,000 99,205 495,795 5,704,511
51 600,000 91,272 508,728 5,195,783
52 605,000 83,133 521,867 4,673,915
53 610,000 74,783 535,217 4,138,698
54 615,000 66,219 548,781 3,589,917
55 620,000 57,439 562,561 3,027,356
56 625,000 48,438 576,562 2,450,793
57 630,000 39,213 590,787 1,860,006
58 635,000 29,760 605,240 1,254,766
59 640,000 20,076 619,924 634,843
60 645,000 10,157 634,843 0
N
VP EN GRADIENTE LINIAL CRECIENTE

INMUEBLE 72,701,031
NPER 180 MESES
CUOTA (INICIAL) 20,000,000
CUOTA(PAGO) 420,000
GRADIENTE 8,000
TASA 1.6% EPM

N CUOTA INTERES ABONO A CAPITAL SALDO

0 52,701,031
1 420,000 843,216 - 423,216 53,124,247
2 428,000 849,988 - 415,216 53,539,464
3 436,000 856,631 - 407,216 53,946,680
4 444,000 863,147 - 399,216 54,345,897
5 452,000 869,534 - 391,216 54,737,113
6 460,000 875,794 - 383,216 55,120,330
7 468,000 881,925 - 375,216 55,495,546
8 476,000 887,929 - 367,216 55,862,763
9 484,000 893,804 - 359,216 56,221,979
10 492,000 899,552 - 351,216 56,573,196
11 500,000 905,171 - 343,216 56,916,412
12 508,000 910,663 - 335,216 57,251,629
13 516,000 916,026 - 327,216 57,578,845
14 524,000 921,262 - 319,216 57,898,062
15 532,000 926,369 - 311,216 58,209,278
16 540,000 931,348 - 303,216 58,512,495
17 548,000 936,200 - 295,216 58,807,711
18 556,000 940,923 - 287,216 59,094,928
19 564,000 945,519 - 279,216 59,374,144
20 572,000 949,986 - 271,216 59,645,361
21 580,000 954,326 - 263,216 59,908,577
22 588,000 958,537 - 255,216 60,163,794
23 596,000 962,621 - 247,216 60,411,010
24 604,000 966,576 - 239,216 60,650,227
25 612,000 970,404 - 231,216 60,881,443
26 620,000 974,103 - 223,216 61,104,660
27 628,000 977,675 - 215,216 61,319,876
28 636,000 981,118 - 207,216 61,527,093
29 644,000 984,433 - 199,216 61,726,309
30 652,000 987,621 - 191,216 61,917,526
31 660,000 990,680 - 183,216 62,100,742
32 668,000 993,612 - 175,216 62,275,959
33 676,000 996,415 - 167,216 62,443,175
34 684,000 999,091 - 159,216 62,602,392
35 692,000 1,001,638 - 151,216 62,753,608
36 700,000 1,004,058 - 143,216 62,896,825
37 708,000 1,006,349 - 135,216 63,032,041
38 716,000 1,008,513 - 127,216 63,159,258
39 724,000 1,010,548 - 119,216 63,278,474
40 732,000 1,012,456 - 111,216 63,389,691
41 740,000 1,014,235 - 103,216 63,492,907
42 748,000 1,015,887 - 95,216 63,588,124
43 756,000 1,017,410 - 87,216 63,675,340
44 764,000 1,018,805 - 79,216 63,754,557
45 772,000 1,020,073 - 71,216 63,825,773
46 780,000 1,021,212 - 63,216 63,888,990
47 788,000 1,022,224 - 55,216 63,944,206
48 796,000 1,023,107 - 47,216 63,991,423
49 804,000 1,023,863 - 39,216 64,030,639
50 812,000 1,024,490 - 31,216 64,061,856
51 820,000 1,024,990 - 23,216 64,085,072
52 828,000 1,025,361 - 15,216 64,100,289
53 836,000 1,025,605 - 7,216 64,107,505
54 844,000 1,025,720 784 64,106,722
55 852,000 1,025,708 8,784 64,097,938
56 860,000 1,025,567 16,784 64,081,155
57 868,000 1,025,298 24,784 64,056,371
58 876,000 1,024,902 32,784 64,023,588
59 884,000 1,024,377 40,784 63,982,804
60 892,000 1,023,725 48,784 63,934,021
61 900,000 1,022,944 56,784 63,877,237
62 908,000 1,022,036 64,784 63,812,454
63 916,000 1,020,999 72,784 63,739,670
64 924,000 1,019,835 80,784 63,658,887
65 932,000 1,018,542 88,784 63,570,103
66 940,000 1,017,122 96,784 63,473,320
67 948,000 1,015,573 104,784 63,368,536
68 956,000 1,013,897 112,784 63,255,753
69 964,000 1,012,092 120,784 63,134,969
70 972,000 1,010,160 128,784 63,006,186
71 980,000 1,008,099 136,784 62,869,402
72 988,000 1,005,910 144,784 62,724,619
73 996,000 1,003,594 152,784 62,571,835
74 1,004,000 1,001,149 160,784 62,411,052
75 1,012,000 998,577 168,784 62,242,268
76 1,020,000 995,876 176,784 62,065,485
 77 1,028,000 993,048 184,784 61,880,701
78 1,036,000 990,091 192,784 61,687,918
79 1,044,000 987,007 200,784 61,487,134
80 1,052,000 983,794 208,784 61,278,351
81 1,060,000 980,454 216,784 61,061,567
82 1,068,000 976,985 224,784 60,836,784
83 1,076,000 973,389 232,784 60,604,000
84 1,084,000 969,664 240,784 60,363,216
85 1,092,000 965,811 248,784 60,114,433
86 1,100,000 961,831 256,784 59,857,649
87 1,108,000 957,722 264,784 59,592,866
88 1,116,000 953,486 272,784 59,320,082
89 1,124,000 949,121 280,784 59,039,299
90 1,132,000 944,629 288,784 58,750,515
91 1,140,000 940,008 296,784 58,453,732
92 1,148,000 935,260 304,784 58,148,948
93 1,156,000 930,383 312,784 57,836,165
94 1,164,000 925,379 320,784 57,515,381
95 1,172,000 920,246 328,784 57,186,598
96 1,180,000 914,986 336,784 56,849,814
97 1,188,000 909,597 344,784 56,505,031
98 1,196,000 904,080 352,784 56,152,247
99 1,204,000 898,436 360,784 55,791,464
100 1,212,000 892,663 368,784 55,422,680
101 1,220,000 886,763 376,784 55,045,897
102 1,228,000 880,734 384,784 54,661,113
103 1,236,000 874,578 392,784 54,268,330
104 1,244,000 868,293 400,784 53,867,546
105 1,252,000 861,881 408,784 53,458,763
106 1,260,000 855,340 416,784 53,041,979
107 1,268,000 848,672 424,784 52,617,196
108 1,276,000 841,875 432,784 52,184,412
109 1,284,000 834,951 440,784 51,743,629
110 1,292,000 827,898 448,784 51,294,845
111 1,300,000 820,718 456,784 50,838,062
112 1,308,000 813,409 464,784 50,373,278
113 1,316,000 805,972 472,784 49,900,495
114 1,324,000 798,408 480,784 49,419,711
115 1,332,000 790,715 488,784 48,930,928
116 1,340,000 782,895 496,784 48,434,144
117 1,348,000 774,946 504,784 47,929,361
118 1,356,000 766,870 512,784 47,416,577
119 1,364,000 758,665 520,784 46,895,794
120 1,372,000 750,333 528,784 46,367,010
121 1,380,000 741,872 536,784 45,830,227
122 1,388,000 733,284 544,784 45,285,443
123 1,396,000 724,567 552,784 44,732,660
124 1,404,000 715,723 560,784 44,171,876
125 1,412,000 706,750 568,784 43,603,093
126 1,420,000 697,649 576,784 43,026,309
127 1,428,000 688,421 584,784 42,441,526
128 1,436,000 679,064 592,784 41,848,742
129 1,444,000 669,580 600,784 41,247,959
130 1,452,000 659,967 608,784 40,639,175
131 1,460,000 650,227 616,784 40,022,392
132 1,468,000 640,358 624,784 39,397,608
133 1,476,000 630,362 632,784 38,764,825
134 1,484,000 620,237 640,784 38,124,041
135 1,492,000 609,985 648,784 37,475,258
136 1,500,000 599,604 656,784 36,818,474
137 1,508,000 589,096 664,784 36,153,691
138 1,516,000 578,459 672,784 35,480,907
139 1,524,000 567,695 680,784 34,800,124
140 1,532,000 556,802 688,784 34,111,340
141 1,540,000 545,781 696,784 33,414,557
142 1,548,000 534,633 704,784 32,709,773
143 1,556,000 523,356 712,784 31,996,990
144 1,564,000 511,952 720,784 31,276,206
145 1,572,000 500,419 728,784 30,547,423
146 1,580,000 488,759 736,784 29,810,639
147 1,588,000 476,970 744,784 29,065,856
148 1,596,000 465,054 752,784 28,313,072
149 1,604,000 453,009 760,784 27,552,289
150 1,612,000 440,837 768,784 26,783,505
151 1,620,000 428,536 776,784 26,006,722
152 1,628,000 416,108 784,784 25,221,938
153 1,636,000 403,551 792,784 24,429,155
154 1,644,000 390,866 800,784 23,628,371
155 1,652,000 378,054 808,784 22,819,588
156 1,660,000 365,113 816,784 22,002,804
157 1,668,000 352,045 824,784 21,178,021
158 1,676,000 338,848 832,784 20,345,237
159 1,684,000 325,524 840,784 19,504,454
160 1,692,000 312,071 848,784 18,655,670
161 1,700,000 298,491 856,784 17,798,887
162 1,708,000 284,782 864,784 16,934,103
163 1,716,000 270,946 872,784 16,061,320
164 1,724,000 256,981 880,784 15,180,536
165 1,732,000 242,889 888,784 14,291,753
166 1,740,000 228,668 896,784 13,394,969
167 1,748,000 214,320 904,784 12,490,186
168 1,756,000 199,843 912,784 11,577,402
169 1,764,000 185,238 920,784 10,656,619
170 1,772,000 170,506 928,784 9,727,835
171 1,780,000 155,645 936,784 8,791,052
172 1,788,000 140,657 944,784 7,846,268
173 1,796,000 125,540 952,784 6,893,485
174 1,804,000 110,296 960,784 5,932,701
175 1,812,000 94,923 968,784 4,963,918
176 1,820,000 79,423 976,784 3,987,134
177 1,828,000 63,794 984,784 3,002,351
178 1,836,000 48,038 992,784 2,009,567
179 1,844,000 32,153 1,000,784 1,008,784
180 1,852,000 16,141 1,008,784 - 0
-1 anticipada
1

DIFERIDA

1 8 9
0

A
GRADIANTE ANTICIPADAS
N CUOTAS
ACTIVO ? 4553132.83 0 550,000
CUOTAS ANTICIPADAS 550,000 1 556,000
NPER 15 TRIMESTRAL 2 562,000
GRADIANTE 6,000 3 568,000
TASA 2.20% TEPM 4 574,000
5 580,000
CONVERITIR TASA 6 586,000
TEPM 2.20% 7 592,000
NPER 12 MESES 8 598,000
TNM 26.40% 9 604,000
NPER 12 10 610,000
TEA 29.84% 11 616,000
NPER 4 12 622,000
TNT 26.99% 13 628,000
NPER 4 14 634,000
TEPT 6.75%
INTERES ABONO A CAPITAL SALDO
4,003,133
270,062 285,938 3,717,195
250,772 291,938 3,431,257
231,482 297,938 3,145,319
212,192 303,938 2,859,381
192,901 309,938 2,573,443
173,611 315,938 2,287,504
154,321 321,938 2,001,566
135,031 327,938 1,715,628
115,741 333,938 1,429,690
96,451 339,938 1,143,752
77,161 345,938 857,814
57,870 351,938 571,876
38,580 357,938 285,938
19,290 363,938 0
GRADIANTE ANTICIPADAS
VP N CUOTAS INTERES
ACTIVO ? 25,000,000 0 761,607
CUOTAS ANTI 100 ? 1 769,607 360,889
NPER 36 BIMESTRAL 2 777,607 354,804
GRADIANTE 8,000 3 785,607 348,509
TASA 3.00% TEPM 4 793,607 342,001
5 801,607 335,276
CONVERITIR TASA 6 809,607 328,333
TEPM 3.00% 7 817,607 321,167
NPER 6 MESES 8 825,607 313,776
TNM 18.00% 9 833,607 306,155
NPER 6 BIMESTRAL 10 841,607 298,302
TEA 19.41% 11 849,607 290,212
NPER 12 BIMESTRAL 12 857,607 281,884
TNT 17.87% 13 865,607 273,312
NPER 12 MENSUAL 14 873,607 264,493
TEPT 1.49% 15 881,607 255,424
16 889,607 246,100
17 897,607 236,519
18 905,607 226,676
19 913,607 216,567
20 921,607 206,189
21 929,607 195,537
22 937,607 184,607
23 945,607 173,396
24 953,607 161,898
25 961,607 150,110
26 969,607 138,028
27 977,607 125,646
28 985,607 112,961
29 993,607 99,968
30 1,001,607 86,663
31 1,009,607 73,040
32 1,017,607 59,095
33 1,025,607 44,824
34 1,033,607 30,221
35 1,041,607 15,281
36
ABONO A CAPITAL SALDO
24,238,393
408,718 23,829,675
422,803 23,406,871
437,099 22,969,773
451,607 22,518,166
466,331 22,051,835
481,274 21,570,561
496,440 21,074,121
511,831 20,562,290
527,452 20,034,838
543,305 19,491,532
559,395 18,932,138
575,724 18,356,414
592,296 17,764,118
609,115 17,155,004
626,184 16,528,820
643,507 15,885,313
661,088 15,224,225
678,931 14,545,293
697,040 13,848,253
715,418 13,132,835
734,070 12,398,764
753,000 11,645,764
772,212 10,873,552
791,709 10,081,843
811,497 9,270,346
831,580 8,438,767
851,961 7,586,805
872,646 6,714,159
893,639 5,820,520
914,945 4,905,576
936,567 3,969,008
958,512 3,010,496
980,784 2,029,713
1,003,387 1,026,326
1,026,326 -
VALOR FUTURO ANTICIPADO GRADIANTE
N CUOTAS
SALDO(18)MESES ? 0 600,000
CUOTAS ANTICIPADAS 600,000 ? 1 605,000
NPER 12 MENSUAL 2 610,000
GRADIANTE 5,000 3 615,000
TASA 1.20% TEPM 4 620,000
5 625,000
6 630,000
7 635,000
VF - 8,738,311 8 640,000
VA 8,038,295 9 645,000
NPER 7 10 650,000
TASA 1.20% 11 655,000
12
13
14
15
16
17
18
INTERES ABONO A CAPITAL SALDO
600,000
7,200 612,200 1,212,200
14,546 624,546 1,836,746
22,041 637,041 2,473,787
29,685 649,685 3,123,473
37,482 662,482 3,785,954
45,431 675,431 4,461,386
53,537 688,537 5,149,923
61,799 701,799 5,851,722
70,221 715,221 6,566,942
78,803 728,803 7,295,746
87,549 742,549 8,038,295
96,460 96,460 8,134,754
97,617 97,617 8,232,371
98,788 98,788 8,331,160
99,974 99,974 8,431,134
101,174 101,174 8,532,307
102,388 102,388 8,634,695
103,616 103,616 8,738,311
VALOR FUTURO ANTICIPADO GRADIANTE
N
SALDO(14)SEMESTRES 90,000,000 0
CUOTAS ANTICIPADAS 100 ? 1
NPER 14 SEMESTRES 2
GRADIANTE 300,000 3
TASA 2.50% TEPS 4
5
6
7
VF - 35,451,325 8
VA 29,823,967 9
NPER 7 10
TASA 2.50% 11
12
13
14
CUOTAS INTERES DEPOSITO + INTERES SALDO
600,000 600,000
900,000 15,000 915,000 1,515,000
1,200,000 37,875 1,237,875 2,752,875
1,500,000 68,822 1,568,822 4,321,697
1,800,000 108,042 1,908,042 6,229,739
2,100,000 155,743 2,255,743 8,485,483
2,400,000 212,137 2,612,137 11,097,620
2,700,000 277,440 2,977,440 14,075,060
3,000,000 351,877 3,351,877 17,426,937
3,300,000 435,673 3,735,673 21,162,610
3,600,000 529,065 4,129,065 25,291,676
3,900,000 632,292 4,532,292 29,823,967
4,200,000 745,599 4,945,599 34,769,567
4,500,000 869,239 5,369,239 40,138,806
4,800,000 1,003,470 5,803,470 45,942,276
VALOR FUTURO DIFERIDO GRADIANTE
N
ACTIVO - 4,285,646 ? 0
CUOTAS 400,000 ? 1
NPER 15 MESES 2
GRADIANTE 6,000 3
TASA 2.20% TEPS 4
PERIODO GRACIA 12 MESES 5
6
7
VF 6,340,630 8
VA - 5,444,728 9
NPER 7 10
TASA 2.20% 11
12
VF 5,564,512 13
VP - 4,285,646 14
NPER 12 15
TASA 2.20% 16
17
18
19
20
21
22
23
24
25
26
27
CUOTAS INTERES ABONO CAPITAL SALDO
- 4,285,646
- 94,284 94,284 - 4,379,930
- 96,358 - 96,358 - 4,476,289
- 98,478 - 98,478 - 4,574,767
- 100,645 - 100,645 - 4,675,412
- 102,859 - 102,859 - 4,778,271
- 105,122 - 105,122 - 4,883,393
- 107,435 - 107,435 - 4,990,828
- 109,798 - 109,798 - 5,100,626
- 112,214 - 112,214 - 5,212,840
- 114,682 - 114,682 - 5,327,522
- 117,205 - 117,205 - 5,444,728
- 119,784 - 119,784 - 5,564,512
400,000 - 122,419 277,581 - 5,286,931 VALOR CUOTA
406,000 - 116,312 289,688 - 4,997,243
412,000 - 109,939 302,061 - 4,695,183
418,000 - 103,294 314,706 - 4,380,477
424,000 - 96,370 327,630 - 4,052,847
430,000 - 89,163 340,837 - 3,712,010
436,000 - 81,664 354,336 - 3,357,674
442,000 - 73,869 368,131 - 2,989,543
448,000 - 65,770 382,230 - 2,607,313
454,000 - 57,361 396,639 - 2,210,674
460,000 - 48,635 411,365 - 1,799,309
466,000 - 39,585 426,415 - 1,372,893
472,000 - 30,204 441,796 - 931,097
478,000 - 20,484 457,516 - 473,581
484,000 - 10,419 473,581 0
VALOR FUTURO DIFERIDO GRADIANTE
N
ACTIVO 15,000,000 0
CUOTAS 100 ? 1
NPER 15 MESES 2
GRADIANTE 6,000 3
TASA 2.20% TEPS 4
PERIODO GRACIA 12 MESES 5
6
7
VF - 22,192,559 8
VA 19,056,850 9
NPER 7 10
TASA 2.20% 11
12
VF - 19,476,101 13
VP 15,000,000 14
NPER 12 15
TASA 2.20% 16
17
18
19
20
21
22
23
24
25
26
27
CUOTAS INTERES ABONO CAPITAL SALDO
15,000,000
330,000 - 330,000 15,330,000
337,260 337,260 15,667,260
344,680 344,680 16,011,940
352,263 352,263 16,364,202
360,012 360,012 16,724,215
367,933 367,933 17,092,148
376,027 376,027 17,468,175
384,300 384,300 17,852,475
392,754 392,754 18,245,229
401,395 401,395 18,646,624
410,226 410,226 19,056,850
419,251 419,251 19,476,101
100 428,474 428,574 19,904,675 VALOR CUOTA
6,100 437,903 444,003 20,348,678
12,100 447,671 459,771 20,808,449
18,100 457,786 475,886 21,284,334
24,100 468,255 492,355 21,776,690
30,100 479,087 509,187 22,285,877
36,100 490,289 526,389 22,812,266
42,100 501,870 543,970 23,356,236
48,100 513,837 561,937 23,918,173
54,100 526,200 580,300 24,498,473
60,100 538,966 599,066 25,097,540
66,100 552,146 618,246 25,715,785
72,100 565,747 637,847 26,353,633
78,100 579,780 657,880 27,011,513
84,100 594,253 678,353 27,689,866
gradiantes puntos del taller n cuota interes
0
cuota 1 5,908,942 1 5,908,942 3,425,000.00
credito 250,000,000 2 5,917,942 3,390,969.99
nper 60 meses 3 5,926,942 3,356,350.47
gradiente 9,000 4 5,935,942 3,321,133.36
tasa 16.0% tnta 5 5,944,942 3,285,310.48
cuota 2 100 6 5,953,942 3,248,873.53
tnta 16% 7 5,962,942 3,211,814.08
nper 4 trimesre 8 5,971,942 3,174,123.63
tepta 4% 9 5,980,942 3,135,793.51
10 5,989,942 3,096,814.98
vf 11 5,998,942 3,057,179.13
va - 1 12 6,007,942 3,016,876.98
nper - 1 13 6,016,942 2,975,899.38
tasa 4% 14 6,025,942 2,934,237.09
15 6,034,942 2,891,880.73
16 6,043,942 2,848,820.79
1.37% 17 6,052,942 2,805,047.63
18 6,061,942 2,760,551.47
19 6,070,942 2,715,322.42
20 6,079,942 2,669,350.42
21 6,088,942 2,622,625.32
22 6,097,942 2,575,136.77
23 6,106,942 2,526,874.34
24 6,115,942 2,477,827.41
25 6,124,942 2,427,985.23
26 6,133,942 2,377,336.92
27 6,142,942 2,325,871.43
28 6,151,942 2,273,577.56
29 6,160,942 2,220,443.96
30 6,169,942 2,166,459.14
31 6,178,942 2,111,611.42
32 6,187,942 2,055,888.99
33 6,196,942 1,999,279.86
34 6,205,942 1,941,771.88
35 6,214,942 1,883,352.75
36 6,223,942 1,824,009.97
37 6,232,942 1,763,730.90
38 6,241,942 1,702,502.70
39 6,250,942 1,640,312.38
40 6,259,942 1,577,146.75
41 6,268,942 1,512,992.45
42 6,277,942 1,447,835.94
43 6,286,942 1,381,663.48
44 6,295,942 1,314,461.16
45 6,304,942 1,246,214.87
46 6,313,942 1,176,910.31
47 6,322,942 1,106,532.97
48 6,331,942 1,035,068.16
49 6,340,942 962,500.99
50 6,349,942 888,816.34
51 6,358,942 813,998.92
52 6,367,942 738,033.19
53 6,376,942 660,903.44
54 6,385,942 582,593.71
55 6,394,942 503,087.83
56 6,403,942 422,369.43
57 6,412,942 340,421.88
58 6,421,942 257,228.35
59 6,430,942 172,771.77
60 6,439,942 87,034.83
abono a capital saldo n cuota interes
250,000,000 0
2,483,942.26 247,516,058 1 5,908,942 3,425,000.00
2,526,972.27 244,989,085 2 5,917,942 3,390,969.99
2,570,591.79 242,418,494 3 5,926,942 3,356,350.47
2,614,808.90 239,803,685 4 5,935,942 3,321,133.36
2,659,631.78 237,144,053 5 5,944,942 3,285,310.48
2,705,068.74 234,438,984 6 5,953,942 3,248,873.53
2,751,128.18 231,687,856 7 5,962,942 3,211,814.08
2,797,818.63 228,890,037 60,000,000 8 5,971,942 3,174,123.63
2,845,148.75 226,044,889 9 4,360,142 2,313,793.51
2,893,127.29 223,151,761 10 4,369,142 2,285,758.54
2,941,763.13 220,209,998 11 4,378,142 2,257,216.19
2,991,065.29 217,218,933 12 4,387,142 2,228,159.51
3,041,042.88 214,177,890 13 4,396,142 2,198,581.46
3,091,705.17 211,086,185 14 4,405,142 2,168,474.88
3,143,061.53 207,943,123 15 4,414,142 2,137,832.55
3,195,121.47 204,748,002 16 4,423,142 2,106,647.11
3,247,894.64 201,500,107 17 4,432,142 2,074,911.14
3,301,390.79 198,198,717 18 4,441,142 2,042,617.08
3,355,619.85 194,843,097 19 4,450,142 2,009,757.29
3,410,591.84 191,432,505 20 4,459,142 1,976,324.02
3,466,316.95 187,966,188 21 4,468,142 1,942,309.42
3,522,805.49 184,443,382 22 4,477,142 1,907,705.52
3,580,067.92 180,863,314 23 4,486,142 1,872,504.24
3,638,114.85 177,225,200 24 4,495,142 1,836,697.41
3,696,957.03 173,528,243 25 4,504,142 1,800,276.72
3,756,605.34 169,771,637 26 4,513,142 1,763,233.77
3,817,070.83 165,954,566 27 4,522,142 1,725,560.03
3,878,364.70 162,076,202 28 4,531,142 1,687,246.87
3,940,498.30 158,135,703 29 4,540,142 1,648,285.51
4,003,483.13 154,132,220 30 4,549,142 1,608,667.08
4,067,330.84 150,064,889 31 4,558,142 1,568,382.57
4,132,053.28 145,932,836 32 4,567,142 1,527,422.87
4,197,662.41 141,735,174 33 4,576,142 1,485,778.73
4,264,170.38 137,471,003 34 4,585,142 1,443,440.75
4,331,589.52 133,139,414 35 4,594,142 1,400,399.45
4,399,932.29 128,739,482 36 4,603,142 1,356,645.18
4,469,211.37 124,270,270 37 4,612,142 1,312,168.18
4,539,439.56 119,730,831 38 4,621,142 1,266,958.54
4,610,629.88 115,120,201 39 4,630,142 1,221,006.23
4,682,795.51 110,437,405 40 4,639,142 1,174,301.08
4,755,949.81 105,681,455 41 4,648,142 1,126,832.76
4,830,106.32 100,851,349 42 4,657,142 1,078,590.83
4,905,278.78 95,946,070 43 4,666,142 1,029,564.68
4,981,481.10 90,964,589 44 4,675,142 979,743.57
5,058,727.39 85,905,862 45 4,684,142 929,116.62
5,137,031.96 80,768,830 46 4,693,142 877,672.78
5,216,409.29 75,552,421 47 4,702,142 825,400.85
5,296,874.10 70,255,546 48 4,711,142 772,289.50
5,378,441.28 64,877,105 49 4,720,142 718,327.23
5,461,125.92 59,415,979 50 4,729,142 663,502.37
5,544,943.35 53,871,036 51 4,738,142 607,803.11
5,629,909.07 48,241,127 52 4,747,142 551,217.47
5,716,038.82 42,525,088 53 4,756,142 493,733.31
5,803,348.56 36,721,739 54 4,765,142 435,338.31
5,891,854.43 30,829,885 55 4,774,142 376,020.01
5,981,572.84 24,848,312 56 4,783,142 315,765.74
6,072,520.39 18,775,792 57 4,792,142 254,562.69
6,164,713.91 12,611,078 58 4,801,142 192,397.86
6,258,170.50 6,352,907 59 4,810,142 129,258.07
6,352,907.43 0 60 4,819,142 65,129.96
abono a capital saldo
250,000,000
2,483,942.26 247,516,058
2,526,972.27 244,989,085
2,570,591.79 242,418,494
2,614,808.90 239,803,685
2,659,631.78 237,144,053
2,705,068.74 234,438,984
2,751,128.18 231,687,856
62,797,818.63 168,890,037
2,046,348.19 166,843,689
2,083,383.16 164,760,306
2,120,925.51 162,639,381
2,158,982.19 160,480,398
2,197,560.25 158,282,838
2,236,666.82 156,046,171
2,276,309.16 153,769,862
2,316,494.59 151,453,368
2,357,230.57 149,096,137
2,398,524.63 146,697,612
2,440,384.41 144,257,228
2,482,817.68 141,774,410
2,525,832.28 139,248,578
2,569,436.19 136,679,142
2,613,637.46 134,065,504
2,658,444.29 131,407,060
2,703,864.98 128,703,195
2,749,907.93 125,953,287
2,796,581.67 123,156,705
2,843,894.84 120,312,811
2,891,856.20 117,420,954
2,940,474.63 114,480,480
2,989,759.13 111,490,721
3,039,718.83 108,451,002
3,090,362.98 105,360,639
3,141,700.95 102,218,938
3,193,742.25 99,025,196
3,246,496.52 95,778,699
3,299,973.53 92,478,726
3,354,183.16 89,124,542
3,409,135.47 85,715,407
3,464,840.63 82,250,566
3,521,308.94 78,729,257
3,578,550.88 75,150,707
3,636,577.02 71,514,130
3,695,398.13 67,818,731
3,755,025.08 64,063,706
3,815,468.93 60,248,237
3,876,740.85 56,371,497
3,938,852.20 52,432,644
4,001,814.48 48,430,830
4,065,639.33 44,365,191
4,130,338.59 40,234,852
4,195,924.23 36,038,928
4,262,408.39 31,776,519
4,329,803.39 27,446,716
4,398,121.70 23,048,594
4,467,375.96 18,581,218
4,537,579.01 14,043,639
4,608,743.85 9,434,895
4,680,883.64 4,754,012
4,754,011.74 0
punto 2
1,250,000
activo 100 va = cuota inicial
cuotainicia 1,250,000
cuotas mensuales 100,000
nper 24 meses
nper 4 semestrales
cuota primera 250,000
gradiante 10,000
adicional 20%
tea 22%
nper 12
tnm 20.05%
nper 12
tepm 1.67%
10.45%
tem 22%
nper 2
tnm 20.91%
nper 2
tepm 10.45% 335,699.33

activo 3,770,113
1,250,000
 1,963,842 556,380 8.17%
+ vp(a) + vp(glc) + cuota adicional

manual

va 1,963,842 va 8.17%
pago - 100,000 vf -20%
nper 24 nper 54
tasa 0 tasa 1.67%

n cuota interes abono a capital saldo

0 556,380
1 58,142 - 58,142 614,521
2 64,217 - 64,217 678,739
3 70,928 - 70,928 749,667
4 78,340 - 78,340 828,007
5 250,000 86,527 163,473 664,534
6 260,000 69,444 190,556 473,978
7 270,000 49,531 220,469 253,508
8 280,000 26,492 253,508 -

n cuota interes abono a capital saldo

0 2,520,113
1 100,000 42,108 57,892 2,462,221
2 100,000 41,141 58,859 2,403,362
3 100,000 40,158 59,842 2,343,520
4 100,000 39,158 60,842 2,282,678
5 100,000 38,141 61,859 2,220,819
6 100,000 37,108 62,892 2,157,927
7 100,000 36,057 63,943 2,093,983
8 100,000 34,988 65,012 2,028,972
9 100,000 33,902 66,098 1,962,874
10 100,000 32,798 67,202 1,895,671
11 100,000 31,675 68,325 1,827,346
12 100,000 30,533 69,467 1,757,879
13 100,000 29,372 70,628 1,687,251
14 100,000 28,192 71,808 1,615,443
15 100,000 26,992 73,008 1,542,436
16 100,000 25,773 74,227 1,468,208
17 100,000 24,532 75,468 1,392,741
18 100,000 23,271 76,729 1,316,012
19 100,000 21,989 78,011 1,238,001
20 100,000 20,686 79,314 1,158,687
21 100,000 19,360 80,640 1,078,047
22 100,000 18,013 81,987 996,060
23 100,000 16,643 83,357 912,703
24 100,000 15,250 84,750 827,954
1 250,000 86,551 163,449 664,505
2 260,000 69,465 190,535 473,970
3 270,000 49,547 220,453 253,516
4 280,000 26,502 253,498 18
49 0 - 0 18
50 0 - 0 19
51 0 - 0 19
52 0 - 0 19
53 0 - 0 20
54 20 0 20 - 0
va 3,770,221

91.83%

va 4,105,812.01