copia de tabla de amortizacion ejercicio1 de ana.xls con observaciones

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Informacin de los activos financieros Concepto Tipo de instrumentorstamo P Valor nominal $300,000.00 Comisin de otorgamiento 1.50% Comisin de otorgamiento bruta $4,500.00 Costos directos $Comisin neta $4,500.00 Valor nominal - comisin $295,500.00 Plazo en aos 3 Tasa de inters nominal 13% Periodicidad 12 Cuota mensual $10,108.19 Tasa efectiva 11.51%

10,108.19

Fecha Dias 15/06/10 1 15/07/10 30 2 15/08/10 31 3 15/09/10 31 4 15/10/10 30 5 15/11/10 31 6 15/12/10 30 7 15/01/11 31 8 15/02/11 31 9 15/03/11 28 10 15/04/11 31 11 15/05/11 30 12 15/06/11 31 13 15/07/11 30 14 15/08/11 31 15 15/09/11 31 16 15/10/11 30 17 15/11/11 31 18 15/12/11 30 19 15/01/12 31 20 15/02/12 31 21 15/03/12 29 22 15/04/12 31 23 15/05/12 30 24 15/06/12 31 25 15/07/12 30 26 15/08/12 31 27 15/09/12 31 28 15/10/12 30 29 15/11/12 31 30 15/12/12 30 31 15/01/13 31 32 15/02/13 31 33 15/03/13 28 34 15/04/13 31 35 15/05/13 30 36 15/06/13 31 TOTAL TIR MENSUAL TIR ANUAL

Tabla de Pagos de Prestamos Principal Inters (A) Amortizacin $300,000.00 $293,141.81 $3,250.00 $6,858.19 $286,209.33 $3,175.70 $6,932.48 $279,201.75 $3,100.60 $7,007.58 $272,118.25 $3,024.69 $7,083.50 $264,958.01 $2,947.95 $7,160.24 $257,720.20 $2,870.38 $7,237.81 $250,403.99 $2,791.97 $7,316.22 $243,008.51 $2,712.71 $7,395.48 $235,532.92 $2,632.59 $7,475.59 $227,976.34 $2,551.61 $7,556.58 $220,337.90 $2,469.74 $7,638.44 $212,616.70 $2,386.99 $7,721.19 $204,811.87 $2,303.35 $7,804.84 $196,922.48 $2,218.80 $7,889.39 $188,947.62 $2,133.33 $7,974.86 $180,886.36 $2,046.93 $8,061.25 $172,737.78 $1,959.60 $8,148.58 $164,500.92 $1,871.33 $8,236.86 $156,174.83 $1,782.09 $8,326.09 $147,758.54 $1,691.89 $8,416.29 $139,251.07 $1,600.72 $8,507.47 $130,651.44 $1,508.55 $8,599.63 $121,958.64 $1,415.39 $8,692.80 $113,171.67 $1,321.22 $8,786.97 $104,289.51 $1,226.03 $8,882.16 $95,311.13 $1,129.80 $8,978.38 $86,235.48 $1,032.54 $9,075.65 $77,061.52 $934.22 $9,173.97 $67,788.16 $834.83 $9,273.35 $58,414.35 $734.37 $9,373.81 $48,938.99 $632.82 $9,475.36 $39,360.97 $530.17 $9,578.01 $29,679.20 $426.41 $9,681.78 $19,892.54 $321.52 $9,786.66 $9,999.85 $215.50 $9,892.68 $(0.00) $108.33 $9,999.85 $63,894.68 $300,000.00

Cuota -300,000.00 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $363,894.68 1.08% 13.00%

Flujos TIR -295,500.00 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 ### 1.17% 14.06%

Amortizacin con Base a Ta Principal Inters (B) $295,500.00 $288,854.23 $3,462.42 $282,130.59 $3,384.55 $275,328.17 $3,305.77 $268,446.05 $3,226.06 $261,483.28 $3,145.42 $254,438.94 $3,063.84 $247,312.05 $2,981.30 $240,101.65 $2,897.79 $232,806.77 $2,813.31 $225,426.42 $2,727.83 $217,959.59 $2,641.35 $210,405.27 $2,553.86 $202,762.43 $2,465.35 $195,030.04 $2,375.80 $187,207.05 $2,285.20 $179,292.40 $2,193.53 $171,285.01 $2,100.80 $163,183.79 $2,006.97 $154,987.66 $1,912.05 $146,695.48 $1,816.01 $138,306.15 $1,718.85 $129,818.52 $1,620.55 $121,231.43 $1,521.10 $112,543.74 $1,420.49 $103,754.24 $1,318.69 $94,861.76 $1,215.70 $85,865.08 $1,111.51 $76,762.99 $1,006.09 $67,554.25 $899.44 $58,237.61 $791.54 $48,811.80 $682.38 $39,275.55 $571.93 $29,627.56 $460.20 $19,866.52 $347.15 $9,991.12 $232.78 $0.00 $117.07 ###

Amortizacin con Base a Tasa Efectiva SSF Amortizacin Comisin (B-A) $- SON COSTOS INDIRECTOS $6,645.77 $212.42 $6,723.64 $208.84 $6,802.42 $205.16 hasta aca cancelo $6,882.13 $201.37 $6,962.76 $197.47 $7,044.35 $193.46 $7,126.89 $189.33 $7,210.39 $185.08 cancela parte de la cuota 17022011 $7,294.88 $180.71 $7,380.35 $176.22 $7,466.83 $171.61 $7,554.32 $166.87 $7,642.84 $162.00 $7,732.39 $157.00 $7,822.99 $151.87 $7,914.65 $146.60 $8,007.39 $141.19 $8,101.21 $135.65 $8,196.14 $129.96 $8,292.17 $124.12 $8,389.33 $118.13 $8,487.63 $112.00 $8,587.08 $105.71 $8,687.70 $99.27 $8,789.49 $92.66 $8,892.48 $85.90 $8,996.68 $78.97 $9,102.09 $71.88 $9,208.74 $64.61 $9,316.64 $57.17 $9,425.81 $49.56 $9,536.25 $41.76 $9,647.99 $33.79 $9,761.04 $25.63 $9,875.41 $17.28 $9,991.12 $8.74 $295,500.00 $4,500.00

TABLA AMORTIZACION EJERCICIO N 1Informacin de los activos financieros Concepto Tipo de instrumento Prstamo Valor nominal $300,000.00 Comisin de otorgamiento 1.50% Comisin de otorgamiento bruta $4,500.00 Costos directos $Comisin neta $4,500.00 Valor nominal - comisin $295,500.00 Plazo en aos 3 Tasa de inters nominal 13% Periodicidad 12 Cuota mensual $10,108.19 Tasa efectiva 11.51%

10,108.19 es la tabla control de pagos, segn lo q explicaron los chavos

Fecha Dias 15/06/10 1 15/07/10 30 2 15/08/10 31 3 15/09/10 31 4 15/10/10 30 5 15/11/10 31 6 15/12/10 30 7 15/01/11 31 8 15/02/11 31 9 15/03/11 28 10 15/04/11 31 11 15/05/11 30 12 15/06/11 31 13 15/07/11 30 14 15/08/11 31 15 15/09/11 31 16 15/10/11 30 17 15/11/11 31 18 15/12/11 30 19 15/01/12 31 20 15/02/12 31 21 15/03/12 29 22 15/04/12 31 23 15/05/12 30 24 15/06/12 31 25 15/07/12 30 26 15/08/12 31 27 15/09/12 31 28 15/10/12 30 29 15/11/12 31 30 15/12/12 30 31 15/01/13 31 32 15/02/13 31 33 15/03/13 28 34 15/04/13 31 35 15/05/13 30 36 15/06/13 31 TOTAL TIR MENSUAL TIR ANUAL

Tabla de Pagos de Prestamos Principal Inters (A) Amortizacin $300,000.00 $293,141.81 $3,250.00 $6,858.19 $286,209.33 $3,175.70 $6,932.48 $279,201.75 $3,100.60 $7,007.58 $272,118.25 $3,024.69 $7,083.50 $264,958.01 $2,947.95 $7,160.24 $257,720.20 $2,870.38 $7,237.81 $250,403.99 $2,791.97 $7,316.22 $243,008.51 $2,712.71 $7,395.48 $235,532.92 $2,632.59 $7,475.59 $227,976.34 $2,551.61 $7,556.58 $220,337.90 $2,469.74 $7,638.44 $212,616.70 $2,386.99 $7,721.19 $204,811.87 $2,303.35 $7,804.84 $196,922.48 $2,218.80 $7,889.39 $188,947.62 $2,133.33 $7,974.86 $180,886.36 $2,046.93 $8,061.25 $172,737.78 $1,959.60 $8,148.58 $164,500.92 $1,871.33 $8,236.86 $156,174.83 $1,782.09 $8,326.09 $147,758.54 $1,691.89 $8,416.29 $139,251.07 $1,600.72 $8,507.47 $130,651.44 $1,508.55 $8,599.63 $121,958.64 $1,415.39 $8,692.80 $113,171.67 $1,321.22 $8,786.97 $104,289.51 $1,226.03 $8,882.16 $95,311.13 $1,129.80 $8,978.38 $86,235.48 $1,032.54 $9,075.65 $77,061.52 $934.22 $9,173.97 $67,788.16 $834.83 $9,273.35 $58,414.35 $734.37 $9,373.81 $48,938.99 $632.82 $9,475.36 $39,360.97 $530.17 $9,578.01 $29,679.20 $426.41 $9,681.78 $19,892.54 $321.52 $9,786.66 $9,999.85 $215.50 $9,892.68 $(0.00) $108.33 $9,999.85 $63,894.68 $300,000.00

Cuota -300,000.00 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $363,894.68 1.08% 13.00%

Flujos TIR -295,500.00 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 $10,108.19 ### 1.17% 14.06%

Amortizacin con Base a Principal Inters (B) $295,500.00 $288,854.23 $3,462.42 $282,130.59 $3,384.55 $275,328.17 $3,305.77 $268,446.05 $3,226.06 $261,483.28 $3,145.42 $254,438.94 $3,063.84 $247,312.05 $2,981.30 $240,101.65 $2,897.79 $232,806.77 $2,813.31 $225,426.42 $2,727.83 $217,959.59 $2,641.35 $210,405.27 $2,553.86 $202,762.43 $2,465.35 $195,030.04 $2,375.80 $187,207.05 $2,285.20 $179,292.40 $2,193.53 $171,285.01 $2,100.80 $163,183.79 $2,006.97 $154,987.66 $1,912.05 $146,695.48 $1,816.01 $138,306.15 $1,718.85 $129,818.52 $1,620.55 $121,231.43 $1,521.10 $112,543.74 $1,420.49 $103,754.24 $1,318.69 $94,861.76 $1,215.70 $85,865.08 $1,111.51 $76,762.99 $1,006.09 $67,554.25 $899.44 $58,237.61 $791.54 $48,811.80 $682.38 $39,275.55 $571.93 $29,627.56 $460.20 $19,866.52 $347.15 $9,991.12 $232.78 $0.00 $117.07 ###

Pgina 5

TABLA AMORTIZACION EJERCICIO N 1

Pgina 6

TABLA AMORTIZACION EJERCICIO N 1

de pagos, segn lo q explicaron los chavos en mi grupo

Amortizacin con Base a Tasa Efectiva SSF Amortizacin Comisin (B-A) $$6,645.77 $212.42 $6,723.64 $208.84 $6,802.42 $205.16 $6,882.13 $201.37 $6,962.76 $197.47 $7,044.35 $193.46 $7,126.89 $189.33 $7,210.39 $185.08 $7,294.88 $180.71 $7,380.35 $176.22 $7,466.83 $171.61 $7,554.32 $166.87 $7,642.84 $162.00 $7,732.39 $157.00 $7,822.99 $151.87 $7,914.65 $146.60 $8,007.39 $141.19 $8,101.21 $135.65 $8,196.14 $129.96 $8,292.17 $124.12 $8,389.33 $118.13 $8,487.63 $112.00 $8,587.08 $105.71 $8,687.70 $99.27 $8,789.49 $92.66 $8,892.48 $85.90 $8,996.68 $78.97 $9,102.09 $71.88 $9,208.74 $64.61 $9,316.64 $57.17 $9,425.81 $49.56 $9,536.25 $41.76 $9,647.99 $33.79 $9,761.04 $25.63 $9,875.41 $17.28 $9,991.12 $8.74 $295,500.00 $4,500.00

Pgina 7

TABLA AMORTIZACION EJERCICIO N 1

por este valor sera la comision a contabilizar

Pgina 8

SUPERINTENDENCIA DEL SISTEMA FINANCIERO SAN SALVADOR, EL SALVADOR, C.A. 1 11 111 1110 01 0101 0102 0201 0202 0301 0302 0401 0402 02 0101 0102 0201 0202 9901 9902 03 0100 0200 04 0101 0102 0201 0202 0301 0302 9901 9902 06 0101

0102 0201 0