Gradiantes Matematicas
Gradiantes Matematicas
Gradiantes Matematicas
VP
A A+G
OBLIGACION ?
NPER 60 MESES
CUOTA (PAGO) 350,000
GRADIENTE 5,000
TASA 1.6% EPM
INMUEBLE 72,701,031
NPER 180 MESES
CUOTA (INICIAL) 20,000,000
CUOTA(PAGO) 420,000
GRADIENTE 8,000
TASA 1.6% EPM
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%
91.83%
va 4,105,812.01