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AMORTIZACION METODO FRANCESPRESTAMO A 10000INTERES i 10%PLAZO AÑOS n 5Frecuencia p 12tasa periodic i=i/p 0.0083333333periodos np 60 TASA INTERES 10%dividendo R 212.47PERIODOS DEUDA R I AK VAP
1 10000 212.47 83.33 129.14 210.712 9870.86 212.47 82.26 130.21 208.973 9740.65 212.47 81.17 131.30 207.254 9609.35 212.47 80.08 132.39 205.535 9476.96 212.47 78.97 133.50 203.836 9343.46 212.47 77.86 134.61 202.157 9208.85 212.47 76.74 135.73 200.488 9073.12 212.47 75.61 136.86 198.829 8936.26 212.47 74.47 138.00 197.18
10 8798.26 212.47 73.32 139.15 195.5511 8659.11 212.47 72.16 140.31 193.9312 8518.80 212.47 70.99 141.48 192.3313 8377.32 212.47 69.81 142.66 190.7414 8234.66 212.47 68.62 143.85 189.1715 8090.81 212.47 67.42 145.05 187.6016 7945.76 212.47 66.21 146.26 186.0517 7799.51 212.47 65.00 147.47 184.5118 7652.03 212.47 63.77 148.70 182.9919 7503.33 212.47 62.53 149.94 181.4820 7353.39 212.47 61.28 151.19 179.9821 7202.20 212.47 60.02 152.45 178.4922 7049.74 212.47 58.75 153.72 177.0123 6896.02 212.47 57.47 155.00 175.5524 6741.02 212.47 56.18 156.30 174.1025 6584.72 212.47 54.87 157.60 172.6626 6427.12 212.47 53.56 158.91 171.2327 6268.21 212.47 52.24 160.24 169.8228 6107.98 212.47 50.90 161.57 168.4229 5946.41 212.47 49.55 162.92 167.0230 5783.49 212.47 48.20 164.27 165.6431 5619.22 212.47 46.83 165.64 164.2732 5453.57 212.47 45.45 167.02 162.9233 5286.55 212.47 44.05 168.42 161.5734 5118.13 212.47 42.65 169.82 160.2435 4948.31 212.47 41.24 171.23 158.9136 4777.08 212.47 39.81 172.66 157.60
37 4604.42 212.47 38.37 174.10 156.3038 4430.32 212.47 36.92 175.55 155.0039 4254.76 212.47 35.46 177.01 153.7240 4077.75 212.47 33.98 178.49 152.4541 3899.26 212.47 32.49 179.98 151.1942 3719.28 212.47 30.99 181.48 149.9443 3537.81 212.47 29.48 182.99 148.7044 3354.82 212.47 27.96 184.51 147.4745 3170.31 212.47 26.42 186.05 146.2646 2984.25 212.47 24.87 187.60 145.0547 2796.65 212.47 23.31 189.17 143.8548 2607.49 212.47 21.73 190.74 142.6649 2416.75 212.47 20.14 192.33 141.4850 2224.42 212.47 18.54 193.93 140.3151 2030.48 212.47 16.92 195.55 139.1552 1834.93 212.47 15.29 197.18 138.0053 1637.75 212.47 13.65 198.82 136.8654 1438.93 212.47 11.99 200.48 135.7355 1238.45 212.47 10.32 202.15 134.6156 1036.30 212.47 8.64 203.83 133.5057 832.47 212.47 6.94 205.53 132.3958 626.93 212.47 5.22 207.25 131.3059 419.69 212.47 3.50 208.97 130.2160 210.71 212.47 1.76 210.71 129.14
10000.00
TASA INTERES 10%
VALIDO EN EL ECUADOR
AMORTIZACION METODO ALEMANPRESTAMO A 10000INTERES i 10%PLAZO AÑOS n 5Frecuencia p 12tasa periodic i=i/p 0.00833333periodos np 60 TASA INTERES 10%dividendo R 212.47PERIODOS DEUDA R I AK VAP
1 10000 250.00 83.33 166.67 247.932 9833.33 248.61 81.94 166.67 244.523 9666.67 247.22 80.56 166.67 241.144 9500.00 245.83 79.17 166.67 237.815 9333.33 244.44 77.78 166.67 234.516 9166.67 243.06 76.39 166.67 231.257 9000.00 241.67 75.00 166.67 228.038 8833.33 240.28 73.61 166.67 224.849 8666.67 238.89 72.22 166.67 221.70
10 8500.00 237.50 70.83 166.67 218.5911 8333.33 236.11 69.44 166.67 215.5112 8166.67 234.72 68.06 166.67 212.4713 8000.00 233.33 66.67 166.67 209.4714 7833.33 231.94 65.28 166.67 206.5015 7666.67 230.56 63.89 166.67 203.5716 7500.00 229.17 62.50 166.67 200.6717 7333.33 227.78 61.11 166.67 197.8118 7166.67 226.39 59.72 166.67 194.9819 7000.00 225.00 58.33 166.67 192.1820 6833.33 223.61 56.94 166.67 189.4121 6666.67 222.22 55.56 166.67 186.6822 6500.00 220.83 54.17 166.67 183.9823 6333.33 219.44 52.78 166.67 181.3124 6166.67 218.06 51.39 166.67 178.6825 6000.00 216.67 50.00 166.67 176.0726 5833.33 215.28 48.61 166.67 173.5027 5666.67 213.89 47.22 166.67 170.9528 5500.00 212.50 45.83 166.67 168.4429 5333.33 211.11 44.44 166.67 165.9630 5166.67 209.72 43.06 166.67 163.5031 5000.00 208.33 41.67 166.67 161.0832 4833.33 206.94 40.28 166.67 158.6833 4666.67 205.56 38.89 166.67 156.3134 4500.00 204.17 37.50 166.67 153.9735 4333.33 202.78 36.11 166.67 151.6636 4166.67 201.39 34.72 166.67 149.38
37 4000.00 200.00 33.33 166.67 147.1238 3833.33 198.61 31.94 166.67 144.8939 3666.67 197.22 30.56 166.67 142.6940 3500.00 195.83 29.17 166.67 140.5141 3333.33 194.44 27.78 166.67 138.3742 3166.67 193.06 26.39 166.67 136.2443 3000.00 191.67 25.00 166.67 134.1444 2833.33 190.28 23.61 166.67 132.0745 2666.67 188.89 22.22 166.67 130.0246 2500.00 187.50 20.83 166.67 128.0047 2333.33 186.11 19.44 166.67 126.0048 2166.67 184.72 18.06 166.67 124.0349 2000.00 183.33 16.67 166.67 122.0850 1833.33 181.94 15.28 166.67 120.1551 1666.67 180.56 13.89 166.67 118.2552 1500.00 179.17 12.50 166.67 116.3753 1333.33 177.78 11.11 166.67 114.5154 1166.67 176.39 9.72 166.67 112.6855 1000.00 175.00 8.33 166.67 110.8756 833.33 173.61 6.94 166.67 109.0857 666.67 172.22 5.56 166.67 107.3158 500.00 170.83 4.17 166.67 105.5759 333.33 169.44 2.78 166.67 103.8460 166.67 168.06 1.39 166.67 102.14
10000.00
TASA INTERES 10%
VALIDO DEL ECUADOR
AMORTIZACION METODO LAGARTOPRESTAMO A 10000INTERES i 10%PLAZO AÑOS n 5Frecuencia p 12tasa periodica i=i/p 0.00833333periodos np 60
interes 5000 5000/60 5000dividendo R 212.47PERIODOS DEUDA R I AK VAP
1 10000 250.00 83.33 166.67 247.932 9833.33 250.00 83.33 166.67 245.883 9666.67 250.00 83.33 166.67 243.854 9500.00 250.00 83.33 166.67 241.845 9333.33 250.00 83.33 166.67 239.846 9166.67 250.00 83.33 166.67 237.867 9000.00 250.00 83.33 166.67 235.898 8833.33 250.00 83.33 166.67 233.949 8666.67 250.00 83.33 166.67 232.01
10 8500.00 250.00 83.33 166.67 230.0911 8333.33 250.00 83.33 166.67 228.1912 8166.67 250.00 83.33 166.67 226.3013 8000.00 250.00 83.33 166.67 224.4314 7833.33 250.00 83.33 166.67 222.5815 7666.67 250.00 83.33 166.67 220.7416 7500.00 250.00 83.33 166.67 218.9117 7333.33 250.00 83.33 166.67 217.1118 7166.67 250.00 83.33 166.67 215.3119 7000.00 250.00 83.33 166.67 213.5320 6833.33 250.00 83.33 166.67 211.7721 6666.67 250.00 83.33 166.67 210.0222 6500.00 250.00 83.33 166.67 208.2823 6333.33 250.00 83.33 166.67 206.5624 6166.67 250.00 83.33 166.67 204.8525 6000.00 250.00 83.33 166.67 203.1626 5833.33 250.00 83.33 166.67 201.4827 5666.67 250.00 83.33 166.67 199.8228 5500.00 250.00 83.33 166.67 198.1629 5333.33 250.00 83.33 166.67 196.5330 5166.67 250.00 83.33 166.67 194.9031 5000.00 250.00 83.33 166.67 193.2932 4833.33 250.00 83.33 166.67 191.6933 4666.67 250.00 83.33 166.67 190.1134 4500.00 250.00 83.33 166.67 188.5435 4333.33 250.00 83.33 166.67 186.98
36 4166.67 250.00 83.33 166.67 185.4337 4000.00 250.00 83.33 166.67 183.9038 3833.33 250.00 83.33 166.67 182.3839 3666.67 250.00 83.33 166.67 180.8840 3500.00 250.00 83.33 166.67 179.3841 3333.33 250.00 83.33 166.67 177.9042 3166.67 250.00 83.33 166.67 176.4343 3000.00 250.00 83.33 166.67 174.9744 2833.33 250.00 83.33 166.67 173.5245 2666.67 250.00 83.33 166.67 172.0946 2500.00 250.00 83.33 166.67 170.6747 2333.33 250.00 83.33 166.67 169.2648 2166.67 250.00 83.33 166.67 167.8649 2000.00 250.00 83.33 166.67 166.4750 1833.33 250.00 83.33 166.67 165.0951 1666.67 250.00 83.33 166.67 163.7352 1500.00 250.00 83.33 166.67 162.3853 1333.33 250.00 83.33 166.67 161.0454 1166.67 250.00 83.33 166.67 159.7055 1000.00 250.00 83.33 166.67 158.3856 833.33 250.00 83.33 166.67 157.0857 666.67 250.00 83.33 166.67 155.7858 500.00 250.00 83.33 166.67 154.4959 333.33 250.00 83.33 166.67 153.2160 166.67 250.00 83.33 166.67 151.95
11766.34
NO ES VALIDO
A 50000 41678.87 37720.79n 12 añosi 10% 10% 11% IMp 12 12 12i=i/p 0.00833333 0.00833333 0.0091666667n*p 144 124 105R 597.54 540.45 560.97
FECHA PERIODOS DEUDA R I AK-50000
1-Jan-12 1 50000 597.54 416.67 180.871-Feb-12 2 49819.13 597.54 415.16 182.381-Mar-12 3 49636.75 597.54 413.64 183.901-Apr-12 4 49452.85 597.54 412.11 185.431-May-12 5 49267.42 597.54 410.56 186.981-Jun-12 6 49080.44 597.54 409.00 188.541-Jul-12 7 48891.90 597.54 407.43 190.111-Aug-12 8 48701.80 597.54 405.85 191.691-Sep-12 9 48510.11 597.54 404.25 193.291-Oct-12 10 48316.82 597.54 402.64 194.901-Nov-12 11 48121.92 597.54 401.02 196.521-Dec-12 12 47925.40 597.54 399.38 198.161-Jan-13 13 47727.23 597.54 397.73 199.811-Feb-13 14 47527.42 597.54 396.06 201.481-Mar-13 15 47325.95 597.54 394.38 203.161-Apr-13 16 47122.79 597.54 392.69 204.851-May-13 17 46917.94 597.54 390.98 206.561-Jun-13 18 46711.38 597.54 389.26 208.281-Jul-13 19 46503.11 597.54 387.53 210.011-Aug-13 20 46293.09 5000.00 385.78 4614.221-Sep-13 21 41678.87 540.45 347.32 193.131-Oct-13 22 41485.74 540.45 345.71 194.741-Nov-13 23 41291.00 540.45 344.09 196.361-Dec-13 24 41094.64 540.45 342.46 198.001-Jan-14 25 40896.65 540.45 340.81 199.651-Feb-14 26 40697.00 540.45 339.14 201.311-Mar-14 27 40495.69 540.45 337.46 202.991-Apr-14 28 40292.70 540.45 335.77 204.681-May-14 29 40088.02 540.45 334.07 206.391-Jun-14 30 39881.63 540.45 332.35 208.111-Jul-14 31 39673.53 540.45 330.61 209.841-Aug-14 32 39463.69 540.45 328.86 211.591-Sep-14 33 39252.10 540.45 327.10 213.351-Oct-14 34 39038.75 540.45 325.32 215.131-Nov-14 35 38823.62 540.45 323.53 216.921-Dec-14 36 38606.70 540.45 321.72 218.73
1-Jan-15 37 38387.97 540.45 319.90 220.551-Feb-15 38 38167.42 540.45 318.06 222.391-Mar-15 39 37945.03 540.45 316.21 224.241-Apr-15 40 37720.78 560.97 345.77 215.201-May-15 41 37505.59 560.97 343.80 217.171-Jun-15 42 37288.42 560.97 341.81 219.161-Jul-15 43 37069.26 560.97 339.80 221.171-Aug-15 44 36848.09 560.97 337.77 223.201-Sep-15 45 36624.89 560.97 335.73 225.241-Oct-15 46 36399.65 560.97 333.66 227.311-Nov-15 47 36172.34 560.97 331.58 229.391-Dec-15 48 35942.95 560.97 329.48 231.491-Jan-15 49 35711.45 560.97 327.36 233.621-Feb-15 50 35477.84 560.97 325.21 235.761-Mar-15 51 35242.08 560.97 323.05 237.921-Apr-15 52 35004.16 560.97 320.87 240.101-May-15 53 34764.06 560.97 318.67 242.301-Jun-15 54 34521.76 560.97 316.45 244.521-Jul-15 55 34277.24 560.97 314.21 246.761-Aug-15 56 34030.48 560.97 311.95 249.021-Sep-15 57 33781.45 560.97 309.66 251.311-Oct-15 58 33530.15 560.97 307.36 253.611-Nov-15 59 33276.54 560.97 305.03 255.941-Dec-15 60 33020.60 560.97 302.69 258.281-Jan-16 61 32762.32 560.97 300.32 260.651-Feb-16 62 32501.67 560.97 297.93 263.041-Mar-16 63 32238.63 560.97 295.52 265.451-Apr-16 64 31973.18 560.97 293.09 267.881-May-16 65 31705.30 560.97 290.63 270.341-Jun-16 66 31434.96 560.97 288.15 272.821-Jul-16 67 31162.14 560.97 285.65 275.321-Aug-16 68 30886.82 560.97 283.13 277.841-Sep-16 69 30608.98 560.97 280.58 280.391-Oct-16 70 30328.59 560.97 278.01 282.961-Nov-16 71 30045.63 560.97 275.42 285.551-Dec-16 72 29760.08 560.97 272.80 288.171-Jan-17 73 29471.91 560.97 270.16 290.811-Feb-17 74 29181.10 560.97 267.49 293.481-Mar-17 75 28887.62 560.97 264.80 296.171-Apr-17 76 28591.45 560.97 262.09 298.881-May-17 77 28292.57 560.97 259.35 301.621-Jun-17 78 27990.95 560.97 256.58 304.391-Jul-17 79 27686.56 560.97 253.79 307.181-Aug-17 80 27379.38 560.97 250.98 309.991-Sep-17 81 27069.39 560.97 248.14 312.83
1-Oct-17 82 26756.56 560.97 245.27 315.701-Nov-17 83 26440.85 560.97 242.37 318.601-Dec-17 84 26122.26 560.97 239.45 321.521-Jan-18 85 25800.74 560.97 236.51 324.461-Feb-18 86 25476.28 560.97 233.53 327.441-Mar-18 87 25148.84 560.97 230.53 330.441-Apr-18 88 24818.40 560.97 227.50 333.471-May-18 89 24484.93 560.97 224.45 336.531-Jun-18 90 24148.40 560.97 221.36 339.611-Jul-18 91 23808.79 560.97 218.25 342.721-Aug-18 92 23466.07 560.97 215.11 345.871-Sep-18 93 23120.20 560.97 211.94 349.041-Oct-18 94 22771.17 560.97 208.74 352.241-Nov-18 95 22418.93 560.97 205.51 355.461-Dec-18 96 22063.47 560.97 202.25 358.721-Jan-19 97 21704.75 560.97 198.96 362.011-Feb-19 98 21342.74 560.97 195.64 365.331-Mar-19 99 20977.41 560.97 192.29 368.681-Apr-19 100 20608.73 560.97 188.91 372.061-May-19 101 20236.67 560.97 185.50 375.471-Jun-19 102 19861.20 560.97 182.06 378.911-Jul-19 103 19482.29 560.97 178.59 382.381-Aug-19 104 19099.91 560.97 175.08 385.891-Sep-19 105 18714.02 560.97 171.55 389.431-Oct-19 106 18324.60 560.97 167.98 393.001-Nov-19 107 17931.60 560.97 164.37 396.601-Dec-19 108 17535.00 560.97 160.74 400.231-Jan-20 109 17134.77 560.97 157.07 403.901-Feb-20 110 16730.87 560.97 153.37 407.601-Mar-20 111 16323.26 560.97 149.63 411.341-Apr-20 112 15911.92 560.97 145.86 415.111-May-20 113 15496.81 560.97 142.05 418.921-Jun-20 114 15077.89 560.97 138.21 422.761-Jul-20 115 14655.14 560.97 134.34 426.631-Aug-20 116 14228.51 560.97 130.43 430.541-Sep-20 117 13797.96 560.97 126.48 434.491-Oct-20 118 13363.47 560.97 122.50 438.471-Nov-20 119 12925.00 560.97 118.48 442.491-Dec-20 120 12482.51 560.97 114.42 446.551-Jan-21 121 12035.96 560.97 110.33 450.641-Feb-21 122 11585.32 560.97 106.20 454.771-Mar-21 123 11130.55 560.97 102.03 458.941-Apr-21 124 10671.61 560.97 97.82 463.151-May-21 125 10208.46 560.97 93.58 467.391-Jun-21 126 9741.07 560.97 89.29 471.68
1-Jul-21 127 9269.39 560.97 84.97 476.001-Aug-21 128 8793.39 560.97 80.61 480.361-Sep-21 129 8313.02 560.97 76.20 484.771-Oct-21 130 7828.25 560.97 71.76 489.211-Nov-21 131 7339.04 560.97 67.27 493.701-Dec-21 132 6845.35 560.97 62.75 498.221-Jan-22 133 6347.12 560.97 58.18 502.791-Feb-22 134 5844.34 560.97 53.57 507.401-Mar-22 135 5336.94 560.97 48.92 512.051-Apr-22 136 4824.89 560.97 44.23 516.741-May-22 137 4308.15 560.97 39.49 521.481-Jun-22 138 3786.67 560.97 34.71 526.261-Jul-22 139 3260.41 560.97 29.89 531.081-Aug-22 140 2729.32 560.97 25.02 535.951-Sep-22 141 2193.37 560.97 20.11 540.861-Oct-22 142 1652.51 560.97 15.15 545.821-Nov-22 143 1106.68 560.97 10.14 550.831-Dec-22 144 555.86 560.97 5.10 555.88
TIR Fx 10.45201%TD 10.00%
0.121 VAN 1036.12SUM VA 51036.12TD 0.00833333
VAP
592.60587.70582.85578.03573.25568.51563.82559.16554.54549.95545.41540.90536.43532.00527.60523.24518.92514.63510.37
4235.33454.02450.26446.54442.85439.19435.56431.96428.39424.85421.34417.86414.41410.98407.58404.22400.87
* En la cuota 20 hace un abono de $5000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
397.56394.28391.02402.51399.18395.88392.61389.37386.15382.96379.79376.65373.54370.45367.39364.36361.34358.36355.40352.46349.55346.66343.79340.95338.13335.34332.57329.82327.09324.39321.71319.05316.41313.80311.21308.63306.08303.55301.04298.56296.09293.64291.22288.81286.42
284.05281.71279.38277.07274.78272.51270.26268.02265.81263.61261.43259.27257.13255.00252.90250.81248.73246.68244.64242.62240.61238.62236.65234.70232.76230.83228.93227.03 CUOTA K225.16 111 560.97 411.34223.30 112 560.97 415.11221.45 113 560.97 418.92219.62 114 560.97 422.76217.81 115 560.97 426.63216.01 2804.85214.22212.45210.69208.95207.23205.51203.82202.13200.46198.80197.16
195.53193.92192.31190.72189.15187.58186.03184.50182.97181.46179.96178.47177.00175.53174.08172.65171.22169.80
51036.12
* En la cuota 20 hace un abono de $5000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM16.5912.56
8.454.260.00
41.86 2846.71
A 80000 76680.63 61209.55n 12 añosi 10% 12% 11% IMp 12 12 12i=i/p 0.00833333 0.01 0.00916667n*p 144 124 105R 956.06 994.32 910.29
FECHA PERIODOS DEUDA R I AK-80000
1-Jan-12 1 80000 956.06 666.67 289.401-Feb-12 2 79710.60 956.06 664.26 291.811-Mar-12 3 79418.80 956.06 661.82 294.241-Apr-12 4 79124.56 956.06 659.37 296.691-May-12 5 78827.87 956.06 656.90 299.161-Jun-12 6 78528.70 956.06 654.41 301.661-Jul-12 7 78227.05 956.06 651.89 304.171-Aug-12 8 77922.87 956.06 649.36 306.711-Sep-12 9 77616.17 956.06 646.80 309.261-Oct-12 10 77306.91 956.06 644.22 311.841-Nov-12 11 76995.07 956.06 641.63 314.441-Dec-12 12 76680.63 956.06 639.01 317.061-Jan-13 13 76363.58 956.06 636.36 319.701-Feb-13 14 76043.88 956.06 633.70 322.361-Mar-13 15 75721.51 956.06 631.01 325.051-Apr-13 16 75396.46 956.06 628.30 327.761-May-13 17 75068.70 956.06 625.57 330.491-Jun-13 18 74738.21 956.06 622.82 333.241-Jul-13 19 74404.97 956.06 620.04 336.021-Aug-13 20 74068.95 5000.00 617.24 4382.761-Sep-13 21 69686.19 994.32 580.72 413.601-Oct-13 22 69272.59 994.32 577.27 417.051-Nov-13 23 68855.54 994.32 573.80 420.531-Dec-13 24 68435.01 994.32 570.29 424.031-Jan-14 25 68010.98 994.32 566.76 427.561-Feb-14 26 67583.42 994.32 563.20 431.131-Mar-14 27 67152.29 994.32 559.60 434.721-Apr-14 28 66717.57 994.32 555.98 438.341-May-14 29 66279.23 994.32 552.33 442.001-Jun-14 30 65837.23 994.32 548.64 445.681-Jul-14 31 65391.55 994.32 544.93 449.391-Aug-14 32 64942.16 994.32 541.18 453.141-Sep-14 33 64489.02 994.32 537.41 456.911-Oct-14 34 64032.11 994.32 533.60 460.721-Nov-14 35 63571.39 994.32 529.76 464.561-Dec-14 36 63106.83 994.32 525.89 468.43
1-Jan-15 37 62638.40 994.32 521.99 472.341-Feb-15 38 62166.06 994.32 518.05 476.271-Mar-15 39 61689.79 994.32 514.08 480.241-Apr-15 40 61209.55 910.29 561.09 349.201-May-15 41 60860.35 910.29 557.89 352.401-Jun-15 42 60507.95 910.29 554.66 355.631-Jul-15 43 60152.32 910.29 551.40 358.891-Aug-15 44 59793.43 910.29 548.11 362.181-Sep-15 45 59431.24 910.29 544.79 365.501-Oct-15 46 59065.74 910.29 541.44 368.851-Nov-15 47 58696.89 910.29 538.05 372.231-Dec-15 48 58324.66 910.29 534.64 375.651-Jan-15 49 57949.01 910.29 531.20 379.091-Feb-15 50 57569.92 910.29 527.72 382.561-Mar-15 51 57187.36 910.29 524.22 386.071-Apr-15 52 56801.29 910.29 520.68 389.611-May-15 53 56411.68 910.29 517.11 393.181-Jun-15 54 56018.50 910.29 513.50 396.781-Jul-15 55 55621.72 910.29 509.87 400.421-Aug-15 56 55221.29 910.29 506.20 404.091-Sep-15 57 54817.20 910.29 502.49 407.801-Oct-15 58 54409.40 910.29 498.75 411.531-Nov-15 59 53997.87 910.29 494.98 415.311-Dec-15 60 53582.56 910.29 491.17 419.111-Jan-16 61 53163.45 910.29 487.33 422.961-Feb-16 62 52740.49 910.29 483.45 426.831-Mar-16 63 52313.66 910.29 479.54 430.751-Apr-16 64 51882.91 910.29 475.59 434.691-May-16 65 51448.22 910.29 471.61 438.681-Jun-16 66 51009.54 910.29 467.59 442.701-Jul-16 67 50566.84 910.29 463.53 446.761-Aug-16 68 50120.08 910.29 459.43 450.851-Sep-16 69 49669.23 910.29 455.30 454.991-Oct-16 70 49214.24 910.29 451.13 459.161-Nov-16 71 48755.08 910.29 446.92 463.371-Dec-16 72 48291.72 910.29 442.67 467.611-Jan-17 73 47824.10 910.29 438.39 471.901-Feb-17 74 47352.20 910.29 434.06 476.231-Mar-17 75 46875.98 910.29 429.70 480.591-Apr-17 76 46395.39 910.29 425.29 485.001-May-17 77 45910.39 910.29 420.85 489.441-Jun-17 78 45420.95 910.29 416.36 493.931-Jul-17 79 44927.02 910.29 411.83 498.461-Aug-17 80 44428.56 910.29 407.26 503.031-Sep-17 81 43925.53 910.29 402.65 507.64
1-Oct-17 82 43417.90 910.29 398.00 512.291-Nov-17 83 42905.61 910.29 393.30 516.991-Dec-17 84 42388.62 910.29 388.56 521.731-Jan-18 85 41866.90 910.29 383.78 526.511-Feb-18 86 41340.39 910.29 378.95 531.331-Mar-18 87 40809.05 910.29 374.08 536.201-Apr-18 88 40272.85 910.29 369.17 541.121-May-18 89 39731.73 910.29 364.21 546.081-Jun-18 90 39185.65 910.29 359.20 551.091-Jul-18 91 38634.56 910.29 354.15 556.141-Aug-18 92 38078.42 910.29 349.05 561.241-Sep-18 93 37517.19 910.29 343.91 566.381-Oct-18 94 36950.81 910.29 338.72 571.571-Nov-18 95 36379.24 910.29 333.48 576.811-Dec-18 96 35802.43 910.29 328.19 582.101-Jan-19 97 35220.33 910.29 322.85 587.431-Feb-19 98 34632.89 910.29 317.47 592.821-Mar-19 99 34040.07 910.29 312.03 598.251-Apr-19 100 33441.82 910.29 306.55 603.741-May-19 101 32838.08 910.29 301.02 609.271-Jun-19 102 32228.81 910.29 295.43 614.861-Jul-19 103 31613.95 910.29 289.79 620.491-Aug-19 104 30993.46 910.29 284.11 626.181-Sep-19 105 30367.28 910.29 278.37 631.921-Oct-19 106 29735.36 910.29 272.57 637.711-Nov-19 107 29097.64 910.29 266.73 643.561-Dec-19 108 28454.08 910.29 260.83 649.461-Jan-20 109 27804.63 910.29 254.88 655.411-Feb-20 110 27149.21 910.29 248.87 661.421-Mar-20 111 26487.79 910.29 242.80 667.481-Apr-20 112 25820.31 910.29 236.69 673.601-May-20 113 25146.71 910.29 230.51 679.781-Jun-20 114 24466.93 910.29 224.28 686.011-Jul-20 115 23780.92 910.29 217.99 692.301-Aug-20 116 23088.63 910.29 211.65 698.641-Sep-20 117 22389.99 910.29 205.24 705.051-Oct-20 118 21684.94 910.29 198.78 711.511-Nov-20 119 20973.43 910.29 192.26 718.031-Dec-20 120 20255.40 910.29 185.67 724.61
TIR Fx 8.21876%TD 10.00%
0.121 VAN 68788.25SUM VA 148788.25TD 0.00833333
VAP
948.16940.33932.55924.85917.20 90909.62 75902.11894.65887.26879.92872.65865.44858.29851.19844.16837.18830.26823.40816.60
4235.33835.30828.39821.55814.76808.02801.35794.72788.15781.64775.18768.77762.42756.12749.87743.67737.53
* En la cuota 20 hace un abono de $8000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
731.43725.39719.39653.15647.75642.40637.09631.83626.60621.43616.29611.20606.15601.14596.17591.24586.35581.51576.70571.94567.21562.52557.87553.26548.69544.16539.66535.20530.78526.39522.04517.72513.45509.20504.99500.82496.68492.58488.51484.47480.46476.49472.56468.65464.78
460.94457.13453.35449.60445.89442.20438.55434.92431.33427.76424.23420.72417.24413.80410.38406.99403.62400.29396.98393.70390.44387.22384.02380.84377.70374.57371.48368.41 CUOTA K365.36 111 910.29 667.48362.34 112 910.29 673.60359.35 113 910.29 679.78356.38 114 910.29 686.01353.43 115 910.29 692.30350.51 4551.44347.62344.74341.89339.07336.27
74394.13
148788.25
* En la cuota 20 hace un abono de $8000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM26.9220.3813.71
6.920.00
67.92 4619.36
A 70000 67095.55 52826.61n 12 añosi 10% 8% 9% IMp 12 12 12i=i/p 0.00833333 0.00666667 0.0075n*p 144 124 105R 836.55 870.03 728.74
FECHA PERIODOS DEUDA R I AK-70000
1-Jan-12 1 70000 836.55 583.33 253.221-Feb-12 2 69746.78 836.55 581.22 255.331-Mar-12 3 69491.45 836.55 579.10 257.461-Apr-12 4 69233.99 836.55 576.95 259.601-May-12 5 68974.38 836.55 574.79 261.771-Jun-12 6 68712.61 836.55 572.61 263.951-Jul-12 7 68448.66 836.55 570.41 266.151-Aug-12 8 68182.52 836.55 568.19 268.371-Sep-12 9 67914.15 836.55 565.95 270.601-Oct-12 10 67643.54 836.55 563.70 272.861-Nov-12 11 67370.69 836.55 561.42 275.131-Dec-12 12 67095.55 836.55 559.13 277.431-Jan-13 13 66818.13 836.55 556.82 279.741-Feb-13 14 66538.39 836.55 554.49 282.071-Mar-13 15 66256.32 836.55 552.14 284.421-Apr-13 16 65971.90 836.55 549.77 286.791-May-13 17 65685.12 836.55 547.38 289.181-Jun-13 18 65395.94 836.55 544.97 291.591-Jul-13 19 65104.35 836.55 542.54 294.021-Aug-13 20 64810.33 5000.00 540.09 4459.911-Sep-13 21 60350.42 870.03 502.92 367.111-Oct-13 22 59983.30 870.03 499.86 370.171-Nov-13 23 59613.13 870.03 496.78 373.261-Dec-13 24 59239.88 870.03 493.67 376.371-Jan-14 25 58863.51 870.03 490.53 379.501-Feb-14 26 58484.01 870.03 487.37 382.661-Mar-14 27 58101.34 870.03 484.18 385.851-Apr-14 28 57715.49 870.03 480.96 389.071-May-14 29 57326.42 870.03 477.72 392.311-Jun-14 30 56934.11 870.03 474.45 395.581-Jul-14 31 56538.53 870.03 471.15 398.881-Aug-14 32 56139.65 870.03 467.83 402.201-Sep-14 33 55737.45 870.03 464.48 405.551-Oct-14 34 55331.90 870.03 461.10 408.931-Nov-14 35 54922.96 870.03 457.69 412.341-Dec-14 36 54510.62 870.03 454.26 415.78
1-Jan-15 37 54094.85 870.03 450.79 419.241-Feb-15 38 53675.61 870.03 447.30 422.741-Mar-15 39 53252.87 870.03 443.77 426.261-Apr-15 40 52826.61 728.74 396.20 332.541-May-15 41 52494.08 728.74 393.71 335.031-Jun-15 42 52159.05 728.74 391.19 337.541-Jul-15 43 51821.50 728.74 388.66 340.081-Aug-15 44 51481.43 728.74 386.11 342.631-Sep-15 45 51138.80 728.74 383.54 345.201-Oct-15 46 50793.61 728.74 380.95 347.781-Nov-15 47 50445.82 728.74 378.34 350.391-Dec-15 48 50095.43 728.74 375.72 353.021-Jan-15 49 49742.41 728.74 373.07 355.671-Feb-15 50 49386.74 728.74 370.40 358.341-Mar-15 51 49028.40 728.74 367.71 361.021-Apr-15 52 48667.38 728.74 365.01 363.731-May-15 53 48303.65 728.74 362.28 366.461-Jun-15 54 47937.19 728.74 359.53 369.211-Jul-15 55 47567.98 728.74 356.76 371.981-Aug-15 56 47196.01 728.74 353.97 374.771-Sep-15 57 46821.24 728.74 351.16 377.581-Oct-15 58 46443.66 728.74 348.33 380.411-Nov-15 59 46063.25 728.74 345.47 383.261-Dec-15 60 45679.99 728.74 342.60 386.141-Jan-16 61 45293.86 728.74 339.70 389.031-Feb-16 62 44904.82 728.74 336.79 391.951-Mar-16 63 44512.87 728.74 333.85 394.891-Apr-16 64 44117.98 728.74 330.88 397.851-May-16 65 43720.13 728.74 327.90 400.841-Jun-16 66 43319.30 728.74 324.89 403.841-Jul-16 67 42915.45 728.74 321.87 406.871-Aug-16 68 42508.58 728.74 318.81 409.921-Sep-16 69 42098.66 728.74 315.74 413.001-Oct-16 70 41685.67 728.74 312.64 416.091-Nov-16 71 41269.57 728.74 309.52 419.211-Dec-16 72 40850.36 728.74 306.38 422.361-Jan-17 73 40428.00 728.74 303.21 425.531-Feb-17 74 40002.47 728.74 300.02 428.721-Mar-17 75 39573.75 728.74 296.80 431.931-Apr-17 76 39141.82 728.74 293.56 435.171-May-17 77 38706.65 728.74 290.30 438.441-Jun-17 78 38268.21 728.74 287.01 441.721-Jul-17 79 37826.49 728.74 283.70 445.041-Aug-17 80 37381.45 728.74 280.36 448.381-Sep-17 81 36933.07 728.74 277.00 451.74
1-Oct-17 82 36481.34 728.74 273.61 455.131-Nov-17 83 36026.21 728.74 270.20 458.541-Dec-17 84 35567.67 728.74 266.76 461.981-Jan-18 85 35105.69 728.74 263.29 465.441-Feb-18 86 34640.25 728.74 259.80 468.931-Mar-18 87 34171.31 728.74 256.28 472.451-Apr-18 88 33698.86 728.74 252.74 475.991-May-18 89 33222.87 728.74 249.17 479.561-Jun-18 90 32743.30 728.74 245.57 483.161-Jul-18 91 32260.14 728.74 241.95 486.791-Aug-18 92 31773.35 728.74 238.30 490.441-Sep-18 93 31282.92 728.74 234.62 494.111-Oct-18 94 30788.80 728.74 230.92 497.821-Nov-18 95 30290.98 728.74 227.18 501.551-Dec-18 96 29789.43 728.74 223.42 505.321-Jan-19 97 29284.11 728.74 219.63 509.111-Feb-19 98 28775.01 728.74 215.81 512.921-Mar-19 99 28262.08 728.74 211.97 516.771-Apr-19 100 27745.31 728.74 208.09 520.651-May-19 101 27224.67 728.74 204.18 524.551-Jun-19 102 26700.11 728.74 200.25 528.491-Jul-19 103 26171.63 728.74 196.29 532.451-Aug-19 104 25639.18 728.74 192.29 536.441-Sep-19 105 25102.74 728.74 188.27 540.471-Oct-19 106 24562.27 728.74 184.22 544.521-Nov-19 107 24017.75 728.74 180.13 548.601-Dec-19 108 23469.15 728.74 176.02 552.721-Jan-20 109 22916.43 728.74 171.87 556.861-Feb-20 110 22359.57 728.74 167.70 561.041-Mar-20 111 21798.53 728.74 163.49 565.251-Apr-20 112 21233.28 728.74 159.25 569.491-May-20 113 20663.79 728.74 154.98 573.761-Jun-20 114 20090.04 728.74 150.68 578.061-Jul-20 115 19511.98 728.74 146.34 582.401-Aug-20 116 18929.58 728.74 141.97 586.761-Sep-20 117 18342.81 728.74 137.57 591.171-Oct-20 118 17751.65 728.74 133.14 595.601-Nov-20 119 17156.05 728.74 128.67 600.071-Dec-20 120 16555.98 728.74 124.17 604.571-Jan-21 121 15951.42 728.74 119.64 609.101-Feb-21 122 15342.32 728.74 115.07 613.671-Mar-21 123 14728.65 728.74 110.46 618.271-Apr-21 124 14110.38 728.74 105.83 622.911-May-21 125 13487.47 728.74 101.16 627.581-Jun-21 126 12859.89 728.74 96.45 632.29
1-Jul-21 127 12227.60 728.74 91.71 637.031-Aug-21 128 11590.57 728.74 86.93 641.811-Sep-21 129 10948.76 728.74 82.12 646.621-Oct-21 130 10302.14 728.74 77.27 651.471-Nov-21 131 9650.67 728.74 72.38 656.361-Dec-21 132 8994.32 728.74 67.46 661.281-Jan-22 133 8333.04 728.74 62.50 666.241-Feb-22 134 7666.80 728.74 57.50 671.241-Mar-22 135 6995.56 728.74 52.47 676.271-Apr-22 136 6319.29 728.74 47.39 681.341-May-22 137 5637.95 728.74 42.28 686.451-Jun-22 138 4951.50 728.74 37.14 691.601-Jul-22 139 4259.90 728.74 31.95 696.791-Aug-22 140 3563.11 728.74 26.72 702.011-Sep-22 141 2861.10 728.74 21.46 707.281-Oct-22 142 2153.82 728.74 16.15 712.581-Nov-22 143 1441.24 728.74 10.81 717.931-Dec-22 144 723.31 728.74 5.42 723.31
TIR Fx 9.54496%TD 10.00%
0.099 VAN -1421.36SUM VA 68578.64TD 0.00833333
VAP
829.64822.78815.98809.24802.55795.92789.34782.82776.35769.93763.57757.26751.00744.79738.64732.54726.48720.48714.52
4235.33730.88724.84718.85712.91707.02701.18695.38689.64683.94678.28672.68667.12661.61656.14650.71645.34
* En la cuota 20 hace un abono de $70000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
640.00634.71629.47522.88518.56514.28510.03505.81501.63497.49493.37489.30485.25481.24477.27473.32469.41465.53461.68457.87454.08450.33446.61442.92439.26435.63432.03428.46424.92421.40417.92414.47411.04407.64404.28400.93397.62394.33391.08387.84384.64381.46378.31375.18372.08
369.01365.96362.93359.93356.96354.01351.08348.18345.30342.45339.62336.81334.03331.27328.53325.81323.12320.45317.80315.18312.57309.99307.43304.89302.37299.87297.39294.93 CUOTA K292.49 111 728.74 565.25290.08 112 728.74 569.49287.68 113 728.74 573.76285.30 114 728.74 578.06282.94 115 728.74 582.40280.61 3643.68278.29275.99273.71271.44269.20266.98264.77262.58260.41258.26256.12
254.01251.91249.83247.76245.71243.68241.67239.67237.69235.73233.78231.85229.93228.03226.15224.28222.42220.59
68578.64
* En la cuota 20 hace un abono de $70000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM22.8017.2311.57
5.830.00
57.42 3701.11
A 850000 814731.72 706695.65n 12 añosi 10% 10% 11% IMp 12 12 12i=i/p 0.00833333 0.00833333 0.00916667n*p 144 124 105R 10158.17 10564.67 10509.74
FECHA PERIODOS DEUDA R I AK-850000
1-Jan-12 1 850000 10158.17 7083.33 3074.831-Feb-12 2 846925.17 10158.17 7057.71 3100.461-Mar-12 3 843824.71 10158.17 7031.87 3126.291-Apr-12 4 840698.42 10158.17 7005.82 3152.351-May-12 5 837546.07 10158.17 6979.55 3178.611-Jun-12 6 834367.46 10158.17 6953.06 3205.101-Jul-12 7 831162.36 10158.17 6926.35 3231.811-Aug-12 8 827930.54 10158.17 6899.42 3258.741-Sep-12 9 824671.80 10158.17 6872.27 3285.901-Oct-12 10 821385.90 10158.17 6844.88 3313.281-Nov-12 11 818072.62 10158.17 6817.27 3340.891-Dec-12 12 814731.72 10158.17 6789.43 3368.731-Jan-13 13 811362.99 10158.17 6761.36 3396.811-Feb-13 14 807966.18 10158.17 6733.05 3425.111-Mar-13 15 804541.07 10158.17 6704.51 3453.661-Apr-13 16 801087.41 10158.17 6675.73 3482.441-May-13 17 797604.98 10158.17 6646.71 3511.461-Jun-13 18 794093.52 10158.17 6617.45 3540.721-Jul-13 19 790552.80 10158.17 6587.94 3570.231-Aug-13 20 786982.58 5000.00 6558.19 -1558.191-Sep-13 21 788540.76 10564.67 6571.17 3993.501-Oct-13 22 784547.27 10564.67 6537.89 4026.781-Nov-13 23 780520.49 10564.67 6504.34 4060.331-Dec-13 24 776460.15 10564.67 6470.50 4094.171-Jan-14 25 772365.98 10564.67 6436.38 4128.291-Feb-14 26 768237.70 10564.67 6401.98 4162.691-Mar-14 27 764075.01 10564.67 6367.29 4197.381-Apr-14 28 759877.63 10564.67 6332.31 4232.361-May-14 29 755645.27 10564.67 6297.04 4267.631-Jun-14 30 751377.64 10564.67 6261.48 4303.191-Jul-14 31 747074.45 10564.67 6225.62 4339.051-Aug-14 32 742735.40 10564.67 6189.46 4375.211-Sep-14 33 738360.19 10564.67 6153.00 4411.671-Oct-14 34 733948.52 10564.67 6116.24 4448.431-Nov-14 35 729500.09 10564.67 6079.17 4485.501-Dec-14 36 725014.58 10564.67 6041.79 4522.88
1-Jan-15 37 720491.70 10564.67 6004.10 4560.571-Feb-15 38 715931.13 10564.67 5966.09 4598.581-Mar-15 39 711332.55 10564.67 5927.77 4636.901-Apr-15 40 706695.65 10509.74 6478.04 4031.701-May-15 41 702663.95 10509.74 6441.09 4068.651-Jun-15 42 698595.30 10509.74 6403.79 4105.951-Jul-15 43 694489.35 10509.74 6366.15 4143.591-Aug-15 44 690345.77 10509.74 6328.17 4181.571-Sep-15 45 686164.20 10509.74 6289.84 4219.901-Oct-15 46 681944.30 10509.74 6251.16 4258.581-Nov-15 47 677685.71 10509.74 6212.12 4297.621-Dec-15 48 673388.09 10509.74 6172.72 4337.011-Jan-15 49 669051.08 10509.74 6132.97 4376.771-Feb-15 50 664674.31 10509.74 6092.85 4416.891-Mar-15 51 660257.42 10509.74 6052.36 4457.381-Apr-15 52 655800.04 10509.74 6011.50 4498.241-May-15 53 651301.80 10509.74 5970.27 4539.471-Jun-15 54 646762.32 10509.74 5928.65 4581.081-Jul-15 55 642181.24 10509.74 5886.66 4623.081-Aug-15 56 637558.16 10509.74 5844.28 4665.461-Sep-15 57 632892.71 10509.74 5801.52 4708.221-Oct-15 58 628184.48 10509.74 5758.36 4751.381-Nov-15 59 623433.10 10509.74 5714.80 4794.941-Dec-15 60 618638.17 10509.74 5670.85 4838.891-Jan-16 61 613799.28 10509.74 5626.49 4883.251-Feb-16 62 608916.03 10509.74 5581.73 4928.011-Mar-16 63 603988.02 10509.74 5536.56 4973.181-Apr-16 64 599014.84 10509.74 5490.97 5018.771-May-16 65 593996.07 10509.74 5444.96 5064.781-Jun-16 66 588931.30 10509.74 5398.54 5111.201-Jul-16 67 583820.09 10509.74 5351.68 5158.051-Aug-16 68 578662.04 10509.74 5304.40 5205.341-Sep-16 69 573456.70 10509.74 5256.69 5253.051-Oct-16 70 568203.65 10509.74 5208.53 5301.211-Nov-16 71 562902.44 10509.74 5159.94 5349.801-Dec-16 72 557552.64 10509.74 5110.90 5398.841-Jan-17 73 552153.80 10509.74 5061.41 5448.331-Feb-17 74 546705.47 10509.74 5011.47 5498.271-Mar-17 75 541207.20 10509.74 4961.07 5548.671-Apr-17 76 535658.53 10509.74 4910.20 5599.541-May-17 77 530058.99 10509.74 4858.87 5650.871-Jun-17 78 524408.13 10509.74 4807.07 5702.661-Jul-17 79 518705.46 10509.74 4754.80 5754.941-Aug-17 80 512950.52 10509.74 4702.05 5807.691-Sep-17 81 507142.83 10509.74 4648.81 5860.93
1-Oct-17 82 501281.90 10509.74 4595.08 5914.661-Nov-17 83 495367.25 10509.74 4540.87 5968.871-Dec-17 84 489398.37 10509.74 4486.15 6023.591-Jan-18 85 483374.79 10509.74 4430.94 6078.801-Feb-18 86 477295.98 10509.74 4375.21 6134.531-Mar-18 87 471161.46 10509.74 4318.98 6190.761-Apr-18 88 464970.70 10509.74 4262.23 6247.511-May-18 89 458723.19 10509.74 4204.96 6304.781-Jun-18 90 452418.41 10509.74 4147.17 6362.571-Jul-18 91 446055.84 10509.74 4088.85 6420.891-Aug-18 92 439634.95 10509.74 4029.99 6479.751-Sep-18 93 433155.20 10509.74 3970.59 6539.151-Oct-18 94 426616.05 10509.74 3910.65 6599.091-Nov-18 95 420016.96 10509.74 3850.16 6659.581-Dec-18 96 413357.37 10509.74 3789.11 6720.631-Jan-19 97 406636.74 10509.74 3727.50 6782.241-Feb-19 98 399854.51 10509.74 3665.33 6844.411-Mar-19 99 393010.10 10509.74 3602.59 6907.151-Apr-19 100 386102.95 10509.74 3539.28 6970.461-May-19 101 379132.49 10509.74 3475.38 7034.361-Jun-19 102 372098.13 10509.74 3410.90 7098.841-Jul-19 103 364999.29 10509.74 3345.83 7163.911-Aug-19 104 357835.38 10509.74 3280.16 7229.581-Sep-19 105 350605.80 10509.74 3213.89 7295.851-Oct-19 106 343309.95 10509.74 3147.01 7362.731-Nov-19 107 335947.22 10509.74 3079.52 7430.221-Dec-19 108 328516.99 10509.74 3011.41 7498.331-Jan-20 109 321018.66 10509.74 2942.67 7567.071-Feb-20 110 313451.59 10509.74 2873.31 7636.431-Mar-20 111 305815.16 10509.74 2803.31 7706.431-Apr-20 112 298108.73 10509.74 2732.66 7777.081-May-20 113 290331.65 10509.74 2661.37 7848.371-Jun-20 114 282483.28 10509.74 2589.43 7920.311-Jul-20 115 274562.98 10509.74 2516.83 7992.911-Aug-20 116 266570.06 10509.74 2443.56 8066.181-Sep-20 117 258503.88 10509.74 2369.62 8140.121-Oct-20 118 250363.76 10509.74 2295.00 8214.741-Nov-20 119 242149.03 10509.74 2219.70 8290.041-Dec-20 120 233858.99 10509.74 2143.71 8366.031-Jan-21 121 225492.95 10509.74 2067.02 8442.721-Feb-21 122 217050.23 10509.74 1989.63 8520.111-Mar-21 123 208530.12 10509.74 1911.53 8598.211-Apr-21 124 199931.91 10509.74 1832.71 8677.031-May-21 125 191254.88 10509.74 1753.17 8756.571-Jun-21 126 182498.31 10509.74 1672.90 8836.84
1-Jul-21 127 173661.47 10509.74 1591.90 8917.841-Aug-21 128 164743.63 10509.74 1510.15 8999.591-Sep-21 129 155744.04 10509.74 1427.65 9082.091-Oct-21 130 146661.95 10509.74 1344.40 9165.341-Nov-21 131 137496.62 10509.74 1260.39 9249.351-Dec-21 132 128247.26 10509.74 1175.60 9334.141-Jan-22 133 118913.12 10509.74 1090.04 9419.701-Feb-22 134 109493.42 10509.74 1003.69 9506.051-Mar-22 135 99987.37 10509.74 916.55 9593.191-Apr-22 136 90394.18 10509.74 828.61 9681.131-May-22 137 80713.06 10509.74 739.87 9769.871-Jun-22 138 70943.19 10509.74 650.31 9859.431-Jul-22 139 61083.76 10509.74 559.93 9949.801-Aug-22 140 51133.96 10509.74 468.73 10041.011-Sep-22 141 41092.95 10509.74 376.69 10133.051-Oct-22 142 30959.89 10509.74 283.80 10225.941-Nov-22 143 20733.95 10509.74 190.06 10319.681-Dec-22 144 10414.27 10509.74 95.46 10414.27
TIR Fx 10.46549%TD 10.00%
0.121 VAN 19411.61SUM VA 869411.61TD 0.00833333
VAP
10074.219990.969908.399826.509745.299664.759584.879505.669427.109349.199271.929195.309119.309043.948969.198895.078821.568748.658676.354235.338875.028801.678728.938656.798585.258514.308443.938374.158304.948236.308168.238100.738033.787967.387901.547836.24
* En la cuota 20 hace un abono de $850000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
7771.477707.257643.557540.977478.647416.847355.547294.757234.467174.677115.387056.586998.266940.426883.066826.186769.766713.816658.336603.306548.736494.606440.936387.706334.916282.556230.636179.146128.076077.436027.205977.395927.995879.005830.415782.235734.445687.055640.055593.435547.215501.365455.905410.815366.09
5321.745277.765234.145190.885147.985105.445063.255021.404979.904938.754897.934857.454817.314777.494738.014698.854660.024621.514583.314545.434507.874470.614433.674397.024360.694324.654288.914253.46 CUOTA K4218.31 111 10509.74 7706.434183.45 112 10509.74 7777.084148.87 113 10509.74 7848.374114.58 114 10509.74 7920.314080.58 115 10509.74 7992.914046.86 52548.704013.413980.243947.353914.723882.373850.293818.463786.913755.613724.573693.79
3663.263632.993602.963573.193543.663514.373485.333456.523427.963399.633371.533343.673316.033288.633261.453234.493207.763181.25
869411.61
* En la cuota 20 hace un abono de $850000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM310.83235.26158.28
79.860.00
784.22 53332.92
A 950000 910582.52 790525.01n 12 añosi 10% 12% 9% IMp 12 12 12i=i/p 0.00833333 0.01 0.0075n*p 144 124 105R 11353.24 11807.57 10905.19
FECHA PERIODOS DEUDA R I AK-950000
1-Jan-12 1 950000 11353.24 7916.67 3436.581-Feb-12 2 946563.42 11353.24 7888.03 3465.211-Mar-12 3 943098.21 11353.24 7859.15 3494.091-Apr-12 4 939604.12 11353.24 7830.03 3523.211-May-12 5 936080.91 11353.24 7800.67 3552.571-Jun-12 6 932528.34 11353.24 7771.07 3582.171-Jul-12 7 928946.16 11353.24 7741.22 3612.031-Aug-12 8 925334.14 11353.24 7711.12 3642.131-Sep-12 9 921692.01 11353.24 7680.77 3672.481-Oct-12 10 918019.54 11353.24 7650.16 3703.081-Nov-12 11 914316.46 11353.24 7619.30 3733.941-Dec-12 12 910582.52 11353.24 7588.19 3765.061-Jan-13 13 906817.46 11353.24 7556.81 3796.431-Feb-13 14 903021.03 11353.24 7525.18 3828.071-Mar-13 15 899192.96 11353.24 7493.27 3859.971-Apr-13 16 895332.99 11353.24 7461.11 3892.141-May-13 17 891440.86 11353.24 7428.67 3924.571-Jun-13 18 887516.29 11353.24 7395.97 3957.271-Jul-13 19 883559.01 11353.24 7362.99 3990.251-Aug-13 20 879568.76 5000.00 7329.74 -2329.741-Sep-13 21 881898.50 11807.57 7349.15 4458.421-Oct-13 22 877440.08 11807.57 7312.00 4495.571-Nov-13 23 872944.51 11807.57 7274.54 4533.041-Dec-13 24 868411.47 11807.57 7236.76 4570.811-Jan-14 25 863840.66 11807.57 7198.67 4608.901-Feb-14 26 859231.76 11807.57 7160.26 4647.311-Mar-14 27 854584.45 11807.57 7121.54 4686.041-Apr-14 28 849898.41 11807.57 7082.49 4725.091-May-14 29 845173.33 11807.57 7043.11 4764.461-Jun-14 30 840408.86 11807.57 7003.41 4804.171-Jul-14 31 835604.70 11807.57 6963.37 4844.201-Aug-14 32 830760.50 11807.57 6923.00 4884.571-Sep-14 33 825875.93 11807.57 6882.30 4925.271-Oct-14 34 820950.65 11807.57 6841.26 4966.321-Nov-14 35 815984.34 11807.57 6799.87 5007.701-Dec-14 36 810976.63 11807.57 6758.14 5049.43
1-Jan-15 37 805927.20 11807.57 6716.06 5091.511-Feb-15 38 800835.68 11807.57 6673.63 5133.941-Mar-15 39 795701.74 11807.57 6630.85 5176.731-Apr-15 40 790525.01 10905.19 5928.94 4976.251-May-15 41 785548.76 10905.19 5891.62 5013.581-Jun-15 42 780535.18 10905.19 5854.01 5051.181-Jul-15 43 775484.01 10905.19 5816.13 5089.061-Aug-15 44 770394.94 10905.19 5777.96 5127.231-Sep-15 45 765267.71 10905.19 5739.51 5165.681-Oct-15 46 760102.03 10905.19 5700.77 5204.431-Nov-15 47 754897.60 10905.19 5661.73 5243.461-Dec-15 48 749654.14 10905.19 5622.41 5282.791-Jan-15 49 744371.36 10905.19 5582.79 5322.411-Feb-15 50 739048.95 10905.19 5542.87 5362.321-Mar-15 51 733686.63 10905.19 5502.65 5402.541-Apr-15 52 728284.09 10905.19 5462.13 5443.061-May-15 53 722841.02 10905.19 5421.31 5483.881-Jun-15 54 717357.14 10905.19 5380.18 5525.011-Jul-15 55 711832.13 10905.19 5338.74 5566.451-Aug-15 56 706265.68 10905.19 5296.99 5608.201-Sep-15 57 700657.48 10905.19 5254.93 5650.261-Oct-15 58 695007.22 10905.19 5212.55 5692.641-Nov-15 59 689314.58 10905.19 5169.86 5735.331-Dec-15 60 683579.25 10905.19 5126.84 5778.351-Jan-16 61 677800.90 10905.19 5083.51 5821.681-Feb-16 62 671979.21 10905.19 5039.84 5865.351-Mar-16 63 666113.87 10905.19 4995.85 5909.341-Apr-16 64 660204.53 10905.19 4951.53 5953.661-May-16 65 654250.87 10905.19 4906.88 5998.311-Jun-16 66 648252.56 10905.19 4861.89 6043.301-Jul-16 67 642209.26 10905.19 4816.57 6088.621-Aug-16 68 636120.64 10905.19 4770.90 6134.291-Sep-16 69 629986.35 10905.19 4724.90 6180.291-Oct-16 70 623806.06 10905.19 4678.55 6226.651-Nov-16 71 617579.41 10905.19 4631.85 6273.351-Dec-16 72 611306.07 10905.19 4584.80 6320.401-Jan-17 73 604985.67 10905.19 4537.39 6367.801-Feb-17 74 598617.87 10905.19 4489.63 6415.561-Mar-17 75 592202.32 10905.19 4441.52 6463.671-Apr-17 76 585738.64 10905.19 4393.04 6512.151-May-17 77 579226.49 10905.19 4344.20 6560.991-Jun-17 78 572665.50 10905.19 4294.99 6610.201-Jul-17 79 566055.30 10905.19 4245.41 6659.781-Aug-17 80 559395.52 10905.19 4195.47 6709.731-Sep-17 81 552685.79 10905.19 4145.14 6760.05
1-Oct-17 82 545925.74 10905.19 4094.44 6810.751-Nov-17 83 539115.00 10905.19 4043.36 6861.831-Dec-17 84 532253.17 10905.19 3991.90 6913.291-Jan-18 85 525339.87 10905.19 3940.05 6965.141-Feb-18 86 518374.73 10905.19 3887.81 7017.381-Mar-18 87 511357.35 10905.19 3835.18 7070.011-Apr-18 88 504287.34 10905.19 3782.16 7123.041-May-18 89 497164.30 10905.19 3728.73 7176.461-Jun-18 90 489987.84 10905.19 3674.91 7230.281-Jul-18 91 482757.56 10905.19 3620.68 7284.511-Aug-18 92 475473.05 10905.19 3566.05 7339.141-Sep-18 93 468133.91 10905.19 3511.00 7394.191-Oct-18 94 460739.72 10905.19 3455.55 7449.641-Nov-18 95 453290.07 10905.19 3399.68 7505.521-Dec-18 96 445784.56 10905.19 3343.38 7561.811-Jan-19 97 438222.75 10905.19 3286.67 7618.521-Feb-19 98 430604.23 10905.19 3229.53 7675.661-Mar-19 99 422928.57 10905.19 3171.96 7733.231-Apr-19 100 415195.34 10905.19 3113.97 7791.231-May-19 101 407404.12 10905.19 3055.53 7849.661-Jun-19 102 399554.45 10905.19 2996.66 7908.531-Jul-19 103 391645.92 10905.19 2937.34 7967.851-Aug-19 104 383678.07 10905.19 2877.59 8027.611-Sep-19 105 375650.47 10905.19 2817.38 8087.811-Oct-19 106 367562.65 10905.19 2756.72 8148.471-Nov-19 107 359414.18 10905.19 2695.61 8209.591-Dec-19 108 351204.60 10905.19 2634.03 8271.161-Jan-20 109 342933.44 10905.19 2572.00 8333.191-Feb-20 110 334600.25 10905.19 2509.50 8395.691-Mar-20 111 326204.56 10905.19 2446.53 8458.661-Apr-20 112 317745.90 10905.19 2383.09 8522.101-May-20 113 309223.80 10905.19 2319.18 8586.011-Jun-20 114 300637.79 10905.19 2254.78 8650.411-Jul-20 115 291987.38 10905.19 2189.91 8715.291-Aug-20 116 283272.10 10905.19 2124.54 8780.651-Sep-20 117 274491.45 10905.19 2058.69 8846.511-Oct-20 118 265644.94 10905.19 1992.34 8912.851-Nov-20 119 256732.09 10905.19 1925.49 8979.701-Dec-20 120 247752.38 10905.19 1858.14 9047.051-Jan-21 121 238705.34 10905.19 1790.29 9114.901-Feb-21 122 229590.43 10905.19 1721.93 9183.261-Mar-21 123 220407.17 10905.19 1653.05 9252.141-Apr-21 124 211155.03 10905.19 1583.66 9321.531-May-21 125 201833.50 10905.19 1513.75 9391.441-Jun-21 126 192442.06 10905.19 1443.32 9461.88
1-Jul-21 127 182980.19 10905.19 1372.35 9532.841-Aug-21 128 173447.35 10905.19 1300.86 9604.341-Sep-21 129 163843.01 10905.19 1228.82 9676.371-Oct-21 130 154166.64 10905.19 1156.25 9748.941-Nov-21 131 144417.70 10905.19 1083.13 9822.061-Dec-21 132 134595.64 10905.19 1009.47 9895.721-Jan-22 133 124699.91 10905.19 935.25 9969.941-Feb-22 134 114729.97 10905.19 860.47 10044.721-Mar-22 135 104685.26 10905.19 785.14 10120.051-Apr-22 136 94565.20 10905.19 709.24 10195.951-May-22 137 84369.25 10905.19 632.77 10272.421-Jun-22 138 74096.83 10905.19 555.73 10349.471-Jul-22 139 63747.36 10905.19 478.11 10427.091-Aug-22 140 53320.28 10905.19 399.90 10505.291-Sep-22 141 42814.99 10905.19 321.11 10584.081-Oct-22 142 32230.91 10905.19 241.73 10663.461-Nov-22 143 21567.45 10905.19 161.76 10743.441-Dec-22 144 10824.01 10905.19 81.18 10824.01
TIR Fx 9.52920%TD 10.00%
0.099 VAN -21269.99SUM VA 928730.01TD 0.00833333
VAP
11259.4211166.3611074.0810982.5610891.7910801.7810712.5110623.9710536.1710449.1010362.7410277.1010192.1610107.9310024.39
9941.559859.399777.909697.094235.339919.149837.169755.879675.249595.289515.989437.339359.349281.999205.289129.209053.758978.938904.728831.138758.15
* En la cuota 20 hace un abono de $950000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
8685.768613.988542.797824.717760.047695.917632.317569.237506.687444.647383.117322.097261.587201.577142.057083.037024.496966.446908.866851.766795.146738.986683.286628.056573.276518.956465.076411.646358.656306.106253.996202.306151.046100.216049.795999.795950.215901.035852.275803.905755.935708.365661.195614.405568.00
5521.985476.355431.095386.205341.695297.545253.765210.345167.285124.585082.225040.224998.574957.264916.294875.664835.364795.404755.774716.474677.494638.834600.494562.474524.774487.374450.294413.51 CUOTA K4377.03 111 10905.19 8458.664340.86 112 10905.19 8522.104304.98 113 10905.19 8586.014269.40 114 10905.19 8650.414234.12 115 10905.19 8715.294199.13 54525.964164.424130.014095.874062.024028.453995.163962.143929.403896.923864.723832.78
3801.103769.693738.533707.643676.993646.613616.473586.583556.943527.543498.393469.483440.803412.373384.173356.203328.463300.95
928730.01
* En la cuota 20 hace un abono de $950000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM341.17257.79173.15
87.220.00
859.34 55385.29
A 660000 632615.22 547419.86n 12 añosi 10% 5% 6% IMp 12 12 12i=i/p 0.00833333 0.00416667 0.005n*p 144 124 105R 7887.52 8203.16 6714.00
FECHA PERIODOS DEUDA R I AK-660000
1-Jan-12 1 660000 7887.52 5500.00 2387.521-Feb-12 2 657612.48 7887.52 5480.10 2407.411-Mar-12 3 655205.07 7887.52 5460.04 2427.471-Apr-12 4 652777.60 7887.52 5439.81 2447.701-May-12 5 650329.89 7887.52 5419.42 2468.101-Jun-12 6 647861.79 7887.52 5398.85 2488.671-Jul-12 7 645373.12 7887.52 5378.11 2509.411-Aug-12 8 642863.72 7887.52 5357.20 2530.321-Sep-12 9 640333.40 7887.52 5336.11 2551.401-Oct-12 10 637781.99 7887.52 5314.85 2572.671-Nov-12 11 635209.33 7887.52 5293.41 2594.111-Dec-12 12 632615.22 7887.52 5271.79 2615.721-Jan-13 13 629999.50 7887.52 5250.00 2637.521-Feb-13 14 627361.98 7887.52 5228.02 2659.501-Mar-13 15 624702.48 7887.52 5205.85 2681.661-Apr-13 16 622020.82 7887.52 5183.51 2704.011-May-13 17 619316.81 7887.52 5160.97 2726.541-Jun-13 18 616590.26 7887.52 5138.25 2749.261-Jul-13 19 613841.00 7887.52 5115.34 2772.171-Aug-13 20 611068.82 5000.00 5092.24 -92.241-Sep-13 21 611161.06 8203.16 5093.01 3110.151-Oct-13 22 608050.92 8203.16 5067.09 3136.071-Nov-13 23 604914.85 8203.16 5040.96 3162.201-Dec-13 24 601752.65 8203.16 5014.61 3188.551-Jan-14 25 598564.10 8203.16 4988.03 3215.121-Feb-14 26 595348.98 8203.16 4961.24 3241.911-Mar-14 27 592107.06 8203.16 4934.23 3268.931-Apr-14 28 588838.13 8203.16 4906.98 3296.171-May-14 29 585541.96 8203.16 4879.52 3323.641-Jun-14 30 582218.32 8203.16 4851.82 3351.341-Jul-14 31 578866.98 8203.16 4823.89 3379.261-Aug-14 32 575487.72 8203.16 4795.73 3407.431-Sep-14 33 572080.29 8203.16 4767.34 3435.821-Oct-14 34 568644.47 8203.16 4738.70 3464.451-Nov-14 35 565180.02 8203.16 4709.83 3493.321-Dec-14 36 561686.70 8203.16 4680.72 3522.43
1-Jan-15 37 558164.26 8203.16 4651.37 3551.791-Feb-15 38 554612.48 8203.16 4621.77 3581.391-Mar-15 39 551031.09 8203.16 4591.93 3611.231-Apr-15 40 547419.86 6714.00 2737.10 3976.901-May-15 41 543442.96 6714.00 2717.21 3996.791-Jun-15 42 539446.17 6714.00 2697.23 4016.771-Jul-15 43 535429.40 6714.00 2677.15 4036.861-Aug-15 44 531392.54 6714.00 2656.96 4057.041-Sep-15 45 527335.50 6714.00 2636.68 4077.321-Oct-15 46 523258.18 6714.00 2616.29 4097.711-Nov-15 47 519160.47 6714.00 2595.80 4118.201-Dec-15 48 515042.27 6714.00 2575.21 4138.791-Jan-15 49 510903.47 6714.00 2554.52 4159.481-Feb-15 50 506743.99 6714.00 2533.72 4180.281-Mar-15 51 502563.71 6714.00 2512.82 4201.181-Apr-15 52 498362.52 6714.00 2491.81 4222.191-May-15 53 494140.33 6714.00 2470.70 4243.301-Jun-15 54 489897.03 6714.00 2449.49 4264.521-Jul-15 55 485632.52 6714.00 2428.16 4285.841-Aug-15 56 481346.68 6714.00 2406.73 4307.271-Sep-15 57 477039.41 6714.00 2385.20 4328.811-Oct-15 58 472710.60 6714.00 2363.55 4350.451-Nov-15 59 468360.15 6714.00 2341.80 4372.201-Dec-15 60 463987.95 6714.00 2319.94 4394.061-Jan-16 61 459593.89 6714.00 2297.97 4416.031-Feb-16 62 455177.86 6714.00 2275.89 4438.111-Mar-16 63 450739.74 6714.00 2253.70 4460.301-Apr-16 64 446279.44 6714.00 2231.40 4482.611-May-16 65 441796.83 6714.00 2208.98 4505.021-Jun-16 66 437291.82 6714.00 2186.46 4527.541-Jul-16 67 432764.27 6714.00 2163.82 4550.181-Aug-16 68 428214.09 6714.00 2141.07 4572.931-Sep-16 69 423641.16 6714.00 2118.21 4595.801-Oct-16 70 419045.36 6714.00 2095.23 4618.781-Nov-16 71 414426.59 6714.00 2072.13 4641.871-Dec-16 72 409784.72 6714.00 2048.92 4665.081-Jan-17 73 405119.64 6714.00 2025.60 4688.401-Feb-17 74 400431.23 6714.00 2002.16 4711.851-Mar-17 75 395719.39 6714.00 1978.60 4735.411-Apr-17 76 390983.98 6714.00 1954.92 4759.081-May-17 77 386224.90 6714.00 1931.12 4782.881-Jun-17 78 381442.02 6714.00 1907.21 4806.791-Jul-17 79 376635.23 6714.00 1883.18 4830.831-Aug-17 80 371804.40 6714.00 1859.02 4854.981-Sep-17 81 366949.42 6714.00 1834.75 4879.26
1-Oct-17 82 362070.17 6714.00 1810.35 4903.651-Nov-17 83 357166.52 6714.00 1785.83 4928.171-Dec-17 84 352238.35 6714.00 1761.19 4952.811-Jan-18 85 347285.54 6714.00 1736.43 4977.571-Feb-18 86 342307.96 6714.00 1711.54 5002.461-Mar-18 87 337305.50 6714.00 1686.53 5027.471-Apr-18 88 332278.02 6714.00 1661.39 5052.611-May-18 89 327225.41 6714.00 1636.13 5077.881-Jun-18 90 322147.54 6714.00 1610.74 5103.261-Jul-18 91 317044.27 6714.00 1585.22 5128.781-Aug-18 92 311915.49 6714.00 1559.58 5154.421-Sep-18 93 306761.07 6714.00 1533.81 5180.201-Oct-18 94 301580.87 6714.00 1507.90 5206.101-Nov-18 95 296374.77 6714.00 1481.87 5232.131-Dec-18 96 291142.64 6714.00 1455.71 5258.291-Jan-19 97 285884.35 6714.00 1429.42 5284.581-Feb-19 98 280599.77 6714.00 1403.00 5311.001-Mar-19 99 275288.77 6714.00 1376.44 5337.561-Apr-19 100 269951.21 6714.00 1349.76 5364.251-May-19 101 264586.97 6714.00 1322.93 5391.071-Jun-19 102 259195.90 6714.00 1295.98 5418.021-Jul-19 103 253777.87 6714.00 1268.89 5445.111-Aug-19 104 248332.76 6714.00 1241.66 5472.341-Sep-19 105 242860.42 6714.00 1214.30 5499.701-Oct-19 106 237360.72 6714.00 1186.80 5527.201-Nov-19 107 231833.52 6714.00 1159.17 5554.831-Dec-19 108 226278.69 6714.00 1131.39 5582.611-Jan-20 109 220696.08 6714.00 1103.48 5610.521-Feb-20 110 215085.56 6714.00 1075.43 5638.571-Mar-20 111 209446.98 6714.00 1047.23 5666.771-Apr-20 112 203780.22 6714.00 1018.90 5695.101-May-20 113 198085.12 6714.00 990.43 5723.581-Jun-20 114 192361.54 6714.00 961.81 5752.191-Jul-20 115 186609.34 6714.00 933.05 5780.961-Aug-20 116 180828.39 6714.00 904.14 5809.861-Sep-20 117 175018.53 6714.00 875.09 5838.911-Oct-20 118 169179.62 6714.00 845.90 5868.101-Nov-20 119 163311.51 6714.00 816.56 5897.441-Dec-20 120 157414.07 6714.00 787.07 5926.931-Jan-21 121 151487.14 6714.00 757.44 5956.571-Feb-21 122 145530.57 6714.00 727.65 5986.351-Mar-21 123 139544.22 6714.00 697.72 6016.281-Apr-21 124 133527.94 6714.00 667.64 6046.361-May-21 125 127481.58 6714.00 637.41 6076.591-Jun-21 126 121404.98 6714.00 607.02 6106.98
1-Jul-21 127 115298.00 6714.00 576.49 6137.511-Aug-21 128 109160.49 6714.00 545.80 6168.201-Sep-21 129 102992.29 6714.00 514.96 6199.041-Oct-21 130 96793.25 6714.00 483.97 6230.041-Nov-21 131 90563.22 6714.00 452.82 6261.191-Dec-21 132 84302.03 6714.00 421.51 6292.491-Jan-22 133 78009.54 6714.00 390.05 6323.951-Feb-22 134 71685.58 6714.00 358.43 6355.571-Mar-22 135 65330.01 6714.00 326.65 6387.351-Apr-22 136 58942.66 6714.00 294.71 6419.291-May-22 137 52523.37 6714.00 262.62 6451.391-Jun-22 138 46071.98 6714.00 230.36 6483.641-Jul-22 139 39588.34 6714.00 197.94 6516.061-Aug-22 140 33072.28 6714.00 165.36 6548.641-Sep-22 141 26523.64 6714.00 132.62 6581.381-Oct-22 142 19942.25 6714.00 99.71 6614.291-Nov-22 143 13327.96 6714.00 66.64 6647.361-Dec-22 144 6680.60 6714.00 33.40 6680.60
TIR Fx 8.08837%TD 10.00%
0.066 VAN -57024.19SUM VA 602975.81TD 0.00833333
VAP
7822.337757.687693.577629.997566.937504.397442.377380.877319.877259.377199.387139.887080.877022.356964.326906.766849.686793.076736.934235.336891.196834.246777.766721.746666.196611.106556.466502.286448.546395.256342.396289.986237.996186.446135.316084.61
* En la cuota 20 hace un abono de $660000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
6034.325984.455934.994817.444777.634738.144698.994660.154621.644583.444545.564508.004470.744433.794397.154360.814324.774289.034253.584218.434183.564148.994114.704080.694046.974013.523980.353947.463914.833882.483850.393818.573787.013755.723724.683693.893663.373633.093603.073573.293543.763514.473485.423456.623428.05
3399.723371.623343.763316.133288.723261.543234.583207.853181.343155.053128.973103.123077.473052.043026.813001.802976.992952.392927.992903.792879.792855.992832.392808.982785.762762.742739.912717.26 CUOTA K2694.81 111 6714.00 5666.772672.54 112 6714.00 5695.102650.45 113 6714.00 5723.582628.55 114 6714.00 5752.192606.82 115 6714.00 5780.962585.28 33570.012563.912542.722521.712500.872480.202459.702439.372419.212399.222379.392359.73
2340.232320.882301.702282.682263.822245.112226.552208.152189.902171.802153.862136.052118.402100.892083.532066.312049.232032.30
602975.81
* En la cuota 20 hace un abono de $660000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM228.56172.28115.43
58.000.00
574.26 34144.27
A 333000 319183.13 273297.84n 12 añosi 10% 18% 16% IMp 12 12 12i=i/p 0.00833333 0.015 0.01333333n*p 144 124 105R 3979.61 4138.87 4851.44
FECHA PERIODOS DEUDA R I AK-333000
1-Jan-12 1 333000 3979.61 2775.00 1204.611-Feb-12 2 331795.39 3979.61 2764.96 1214.651-Mar-12 3 330580.74 3979.61 2754.84 1224.771-Apr-12 4 329355.97 3979.61 2744.63 1234.981-May-12 5 328120.99 3979.61 2734.34 1245.271-Jun-12 6 326875.72 3979.61 2723.96 1255.651-Jul-12 7 325620.08 3979.61 2713.50 1266.111-Aug-12 8 324353.97 3979.61 2702.95 1276.661-Sep-12 9 323077.31 3979.61 2692.31 1287.301-Oct-12 10 321790.01 3979.61 2681.58 1298.031-Nov-12 11 320491.98 3979.61 2670.77 1308.841-Dec-12 12 319183.13 3979.61 2659.86 1319.751-Jan-13 13 317863.38 3979.61 2648.86 1330.751-Feb-13 14 316532.63 3979.61 2637.77 1341.841-Mar-13 15 315190.80 3979.61 2626.59 1353.021-Apr-13 16 313837.77 3979.61 2615.31 1364.301-May-13 17 312473.48 3979.61 2603.95 1375.661-Jun-13 18 311097.81 3979.61 2592.48 1387.131-Jul-13 19 309710.69 3979.61 2580.92 1398.691-Aug-13 20 308312.00 5000.00 2569.27 2430.731-Sep-13 21 305881.26 4138.87 2549.01 1589.851-Oct-13 22 304291.41 4138.87 2535.76 1603.101-Nov-13 23 302688.31 4138.87 2522.40 1616.461-Dec-13 24 301071.84 4138.87 2508.93 1629.931-Jan-14 25 299441.91 4138.87 2495.35 1643.521-Feb-14 26 297798.39 4138.87 2481.65 1657.211-Mar-14 27 296141.18 4138.87 2467.84 1671.021-Apr-14 28 294470.16 4138.87 2453.92 1684.951-May-14 29 292785.21 4138.87 2439.88 1698.991-Jun-14 30 291086.22 4138.87 2425.72 1713.151-Jul-14 31 289373.08 4138.87 2411.44 1727.421-Aug-14 32 287645.65 4138.87 2397.05 1741.821-Sep-14 33 285903.84 4138.87 2382.53 1756.331-Oct-14 34 284147.50 4138.87 2367.90 1770.971-Nov-14 35 282376.53 4138.87 2353.14 1785.731-Dec-14 36 280590.81 4138.87 2338.26 1800.61
1-Jan-15 37 278790.20 4138.87 2323.25 1815.611-Feb-15 38 276974.58 4138.87 2308.12 1830.741-Mar-15 39 275143.84 4138.87 2292.87 1846.001-Apr-15 40 273297.84 4851.44 3643.97 1207.471-May-15 41 272090.37 4851.44 3627.87 1223.571-Jun-15 42 270866.80 4851.44 3611.56 1239.881-Jul-15 43 269626.92 4851.44 3595.03 1256.421-Aug-15 44 268370.50 4851.44 3578.27 1273.171-Sep-15 45 267097.33 4851.44 3561.30 1290.141-Oct-15 46 265807.19 4851.44 3544.10 1307.341-Nov-15 47 264499.85 4851.44 3526.66 1324.781-Dec-15 48 263175.07 4851.44 3509.00 1342.441-Jan-15 49 261832.63 4851.44 3491.10 1360.341-Feb-15 50 260472.29 4851.44 3472.96 1378.481-Mar-15 51 259093.82 4851.44 3454.58 1396.861-Apr-15 52 257696.96 4851.44 3435.96 1415.481-May-15 53 256281.48 4851.44 3417.09 1434.351-Jun-15 54 254847.12 4851.44 3397.96 1453.481-Jul-15 55 253393.64 4851.44 3378.58 1472.861-Aug-15 56 251920.78 4851.44 3358.94 1492.501-Sep-15 57 250428.29 4851.44 3339.04 1512.401-Oct-15 58 248915.89 4851.44 3318.88 1532.561-Nov-15 59 247383.33 4851.44 3298.44 1553.001-Dec-15 60 245830.33 4851.44 3277.74 1573.701-Jan-16 61 244256.63 4851.44 3256.76 1594.691-Feb-16 62 242661.94 4851.44 3235.49 1615.951-Mar-16 63 241046.00 4851.44 3213.95 1637.491-Apr-16 64 239408.50 4851.44 3192.11 1659.331-May-16 65 237749.17 4851.44 3169.99 1681.451-Jun-16 66 236067.72 4851.44 3147.57 1703.871-Jul-16 67 234363.85 4851.44 3124.85 1726.591-Aug-16 68 232637.26 4851.44 3101.83 1749.611-Sep-16 69 230887.65 4851.44 3078.50 1772.941-Oct-16 70 229114.71 4851.44 3054.86 1796.581-Nov-16 71 227318.13 4851.44 3030.91 1820.531-Dec-16 72 225497.60 4851.44 3006.63 1844.811-Jan-17 73 223652.80 4851.44 2982.04 1869.401-Feb-17 74 221783.39 4851.44 2957.11 1894.331-Mar-17 75 219889.06 4851.44 2931.85 1919.591-Apr-17 76 217969.48 4851.44 2906.26 1945.181-May-17 77 216024.30 4851.44 2880.32 1971.121-Jun-17 78 214053.18 4851.44 2854.04 1997.401-Jul-17 79 212055.78 4851.44 2827.41 2024.031-Aug-17 80 210031.75 4851.44 2800.42 2051.021-Sep-17 81 207980.73 4851.44 2773.08 2078.36
1-Oct-17 82 205902.37 4851.44 2745.36 2106.081-Nov-17 83 203796.29 4851.44 2717.28 2134.161-Dec-17 84 201662.13 4851.44 2688.83 2162.611-Jan-18 85 199499.52 4851.44 2659.99 2191.451-Feb-18 86 197308.08 4851.44 2630.77 2220.671-Mar-18 87 195087.41 4851.44 2601.17 2250.281-Apr-18 88 192837.13 4851.44 2571.16 2280.281-May-18 89 190556.85 4851.44 2540.76 2310.681-Jun-18 90 188246.17 4851.44 2509.95 2341.491-Jul-18 91 185904.68 4851.44 2478.73 2372.711-Aug-18 92 183531.97 4851.44 2447.09 2404.351-Sep-18 93 181127.62 4851.44 2415.03 2436.411-Oct-18 94 178691.21 4851.44 2382.55 2468.891-Nov-18 95 176222.32 4851.44 2349.63 2501.811-Dec-18 96 173720.51 4851.44 2316.27 2535.171-Jan-19 97 171185.35 4851.44 2282.47 2568.971-Feb-19 98 168616.38 4851.44 2248.22 2603.221-Mar-19 99 166013.15 4851.44 2213.51 2637.931-Apr-19 100 163375.22 4851.44 2178.34 2673.101-May-19 101 160702.12 4851.44 2142.69 2708.751-Jun-19 102 157993.37 4851.44 2106.58 2744.861-Jul-19 103 155248.51 4851.44 2069.98 2781.461-Aug-19 104 152467.05 4851.44 2032.89 2818.551-Sep-19 105 149648.50 4851.44 1995.31 2856.131-Oct-19 106 146792.37 4851.44 1957.23 2894.211-Nov-19 107 143898.17 4851.44 1918.64 2932.801-Dec-19 108 140965.37 4851.44 1879.54 2971.901-Jan-20 109 137993.46 4851.44 1839.91 3011.531-Feb-20 110 134981.94 4851.44 1799.76 3051.681-Mar-20 111 131930.25 4851.44 1759.07 3092.371-Apr-20 112 128837.88 4851.44 1717.84 3133.601-May-20 113 125704.28 4851.44 1676.06 3175.381-Jun-20 114 122528.90 4851.44 1633.72 3217.721-Jul-20 115 119311.18 4851.44 1590.82 3260.631-Aug-20 116 116050.55 4851.44 1547.34 3304.101-Sep-20 117 112746.45 4851.44 1503.29 3348.151-Oct-20 118 109398.30 4851.44 1458.64 3392.801-Nov-20 119 106005.50 4851.44 1413.41 3438.031-Dec-20 120 102567.46 4851.44 1367.57 3483.871-Jan-21 121 99083.59 4851.44 1321.11 3530.331-Feb-21 122 95553.26 4851.44 1274.04 3577.401-Mar-21 123 91975.87 4851.44 1226.34 3625.101-Apr-21 124 88350.77 4851.44 1178.01 3673.431-May-21 125 84677.34 4851.44 1129.03 3722.411-Jun-21 126 80954.93 4851.44 1079.40 3772.04
1-Jul-21 127 77182.89 4851.44 1029.11 3822.341-Aug-21 128 73360.55 4851.44 978.14 3873.301-Sep-21 129 69487.25 4851.44 926.50 3924.941-Oct-21 130 65562.31 4851.44 874.16 3977.281-Nov-21 131 61585.03 4851.44 821.13 4030.311-Dec-21 132 57554.73 4851.44 767.40 4084.041-Jan-22 133 53470.68 4851.44 712.94 4138.501-Feb-22 134 49332.18 4851.44 657.76 4193.681-Mar-22 135 45138.50 4851.44 601.85 4249.591-Apr-22 136 40888.91 4851.44 545.19 4306.261-May-22 137 36582.66 4851.44 487.77 4363.671-Jun-22 138 32218.98 4851.44 429.59 4421.851-Jul-22 139 27797.13 4851.44 370.63 4480.811-Aug-22 140 23316.32 4851.44 310.88 4540.561-Sep-22 141 18775.76 4851.44 250.34 4601.101-Oct-22 142 14174.66 4851.44 189.00 4662.451-Nov-22 143 9512.22 4851.44 126.83 4724.611-Dec-22 144 4787.61 4851.44 63.83 4787.61
TIR Fx 12.70253%TD 10.00%
0.176 VAN 47250.25SUM VA 380250.25TD 0.00833333
VAP
3946.723914.103881.763849.683817.863786.313755.023723.983693.213662.683632.413602.393572.623543.103513.813484.773455.973427.413399.094235.333476.923448.183419.693391.433363.403335.603308.033280.693253.583226.693200.033173.583147.353121.343095.543069.96
* En la cuota 20 hace un abono de $333000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
3044.593019.432994.473481.013452.253423.713395.423367.363339.533311.933284.563257.413230.493203.793177.323151.063125.023099.193073.583048.173022.982998.002973.222948.652924.282900.112876.152852.382828.802805.422782.242759.252736.442713.832691.402669.152647.102625.222603.522582.012560.672539.502518.522497.702477.06
2456.592436.292416.152396.182376.382356.742337.262317.952298.792279.792260.952242.272223.742205.362187.132169.062151.132133.352115.722098.242080.892063.702046.642029.732012.951996.321979.821963.46 CUOTA K1947.23 111 4851.44 3092.371931.14 112 4851.44 3133.601915.18 113 4851.44 3175.381899.35 114 4851.44 3217.721883.65 115 4851.44 3260.631868.08 24257.201852.651837.331822.151807.091792.161777.341762.661748.091733.641719.311705.10
1691.011677.041663.181649.431635.801622.281608.871595.581582.391569.311556.341543.481530.731518.081505.531493.091480.751468.51
380250.25
* En la cuota 20 hace un abono de $333000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM124.73
94.7964.0432.45
0.00316.00 24573.20
A 1100000 1054358.70 916269.06n 12 añosi 10% 8% 7% IMp 12 12 12i=i/p 0.00833333 0.00666667 0.006n*p 144 124 105R 13145.86 13671.93 11787.22
FECHA PERIODOS DEUDA R I AK-1100000
1-Jan-12 1 1100000 13145.86 9166.67 3979.191-Feb-12 2 1096020.81 13145.86 9133.51 4012.351-Mar-12 3 1092008.45 13145.86 9100.07 4045.791-Apr-12 4 1087962.66 13145.86 9066.36 4079.511-May-12 5 1083883.16 13145.86 9032.36 4113.501-Jun-12 6 1079769.65 13145.86 8998.08 4147.781-Jul-12 7 1075621.87 13145.86 8963.52 4182.351-Aug-12 8 1071439.53 13145.86 8928.66 4217.201-Sep-12 9 1067222.33 13145.86 8893.52 4252.341-Oct-12 10 1062969.99 13145.86 8858.08 4287.781-Nov-12 11 1058682.21 13145.86 8822.35 4323.511-Dec-12 12 1054358.70 13145.86 8786.32 4359.541-Jan-13 13 1049999.16 13145.86 8749.99 4395.871-Feb-13 14 1045603.30 13145.86 8713.36 4432.501-Mar-13 15 1041170.80 13145.86 8676.42 4469.441-Apr-13 16 1036701.36 13145.86 8639.18 4506.681-May-13 17 1032194.68 13145.86 8601.62 4544.241-Jun-13 18 1027650.44 13145.86 8563.75 4582.111-Jul-13 19 1023068.33 13145.86 8525.57 4620.291-Aug-13 20 1018448.04 5000.00 8487.07 -3487.071-Sep-13 21 1021935.11 13671.93 8516.13 5155.801-Oct-13 22 1016779.30 13671.93 8473.16 5198.771-Nov-13 23 1011580.54 13671.93 8429.84 5242.091-Dec-13 24 1006338.45 13671.93 8386.15 5285.771-Jan-14 25 1001052.67 13671.93 8342.11 5329.821-Feb-14 26 995722.85 13671.93 8297.69 5374.241-Mar-14 27 990348.62 13671.93 8252.91 5419.021-Apr-14 28 984929.59 13671.93 8207.75 5464.181-May-14 29 979465.41 13671.93 8162.21 5509.721-Jun-14 30 973955.70 13671.93 8116.30 5555.631-Jul-14 31 968400.07 13671.93 8070.00 5601.931-Aug-14 32 962798.14 13671.93 8023.32 5648.611-Sep-14 33 957149.53 13671.93 7976.25 5695.681-Oct-14 34 951453.85 13671.93 7928.78 5743.151-Nov-14 35 945710.71 13671.93 7880.92 5791.001-Dec-14 36 939919.70 13671.93 7832.66 5839.26
1-Jan-15 37 934080.44 13671.93 7784.00 5887.921-Feb-15 38 928192.51 13671.93 7734.94 5936.991-Mar-15 39 922255.52 13671.93 7685.46 5986.461-Apr-15 40 916269.06 11787.22 5497.61 6289.611-May-15 41 909979.45 11787.22 5459.88 6327.341-Jun-15 42 903652.11 11787.22 5421.91 6365.311-Jul-15 43 897286.80 11787.22 5383.72 6403.501-Aug-15 44 890883.30 11787.22 5345.30 6441.921-Sep-15 45 884441.38 11787.22 5306.65 6480.571-Oct-15 46 877960.81 11787.22 5267.76 6519.461-Nov-15 47 871441.36 11787.22 5228.65 6558.571-Dec-15 48 864882.79 11787.22 5189.30 6597.921-Jan-15 49 858284.86 11787.22 5149.71 6637.511-Feb-15 50 851647.35 11787.22 5109.88 6677.341-Mar-15 51 844970.02 11787.22 5069.82 6717.401-Apr-15 52 838252.62 11787.22 5029.52 6757.701-May-15 53 831494.91 11787.22 4988.97 6798.251-Jun-15 54 824696.66 11787.22 4948.18 6839.041-Jul-15 55 817857.62 11787.22 4907.15 6880.071-Aug-15 56 810977.55 11787.22 4865.87 6921.351-Sep-15 57 804056.19 11787.22 4824.34 6962.881-Oct-15 58 797093.31 11787.22 4782.56 7004.661-Nov-15 59 790088.65 11787.22 4740.53 7046.691-Dec-15 60 783041.96 11787.22 4698.25 7088.971-Jan-16 61 775952.99 11787.22 4655.72 7131.501-Feb-16 62 768821.49 11787.22 4612.93 7174.291-Mar-16 63 761647.20 11787.22 4569.88 7217.341-Apr-16 64 754429.86 11787.22 4526.58 7260.641-May-16 65 747169.22 11787.22 4483.02 7304.201-Jun-16 66 739865.02 11787.22 4439.19 7348.031-Jul-16 67 732516.99 11787.22 4395.10 7392.121-Aug-16 68 725124.87 11787.22 4350.75 7436.471-Sep-16 69 717688.40 11787.22 4306.13 7481.091-Oct-16 70 710207.31 11787.22 4261.24 7525.981-Nov-16 71 702681.33 11787.22 4216.09 7571.131-Dec-16 72 695110.20 11787.22 4170.66 7616.561-Jan-17 73 687493.64 11787.22 4124.96 7662.261-Feb-17 74 679831.39 11787.22 4078.99 7708.231-Mar-17 75 672123.15 11787.22 4032.74 7754.481-Apr-17 76 664368.67 11787.22 3986.21 7801.011-May-17 77 656567.67 11787.22 3939.41 7847.811-Jun-17 78 648719.85 11787.22 3892.32 7894.901-Jul-17 79 640824.95 11787.22 3844.95 7942.271-Aug-17 80 632882.68 11787.22 3797.30 7989.921-Sep-17 81 624892.76 11787.22 3749.36 8037.86
1-Oct-17 82 616854.89 11787.22 3701.13 8086.091-Nov-17 83 608768.80 11787.22 3652.61 8134.611-Dec-17 84 600634.20 11787.22 3603.81 8183.411-Jan-18 85 592450.78 11787.22 3554.70 8232.521-Feb-18 86 584218.27 11787.22 3505.31 8281.911-Mar-18 87 575936.36 11787.22 3455.62 8331.601-Apr-18 88 567604.75 11787.22 3405.63 8381.591-May-18 89 559223.16 11787.22 3355.34 8431.881-Jun-18 90 550791.28 11787.22 3304.75 8482.471-Jul-18 91 542308.81 11787.22 3253.85 8533.371-Aug-18 92 533775.44 11787.22 3202.65 8584.571-Sep-18 93 525190.87 11787.22 3151.15 8636.071-Oct-18 94 516554.80 11787.22 3099.33 8687.891-Nov-18 95 507866.91 11787.22 3047.20 8740.021-Dec-18 96 499126.89 11787.22 2994.76 8792.461-Jan-19 97 490334.43 11787.22 2942.01 8845.211-Feb-19 98 481489.22 11787.22 2888.94 8898.281-Mar-19 99 472590.93 11787.22 2835.55 8951.671-Apr-19 100 463639.26 11787.22 2781.84 9005.381-May-19 101 454633.87 11787.22 2727.80 9059.421-Jun-19 102 445574.46 11787.22 2673.45 9113.771-Jul-19 103 436460.68 11787.22 2618.76 9168.461-Aug-19 104 427292.23 11787.22 2563.75 9223.471-Sep-19 105 418068.76 11787.22 2508.41 9278.811-Oct-19 106 408789.96 11787.22 2452.74 9334.481-Nov-19 107 399455.48 11787.22 2396.73 9390.491-Dec-19 108 390064.99 11787.22 2340.39 9446.831-Jan-20 109 380618.16 11787.22 2283.71 9503.511-Feb-20 110 371114.65 11787.22 2226.69 9560.531-Mar-20 111 361554.11 11787.22 2169.32 9617.901-Apr-20 112 351936.22 11787.22 2111.62 9675.601-May-20 113 342260.62 11787.22 2053.56 9733.661-Jun-20 114 332526.96 11787.22 1995.16 9792.061-Jul-20 115 322734.90 11787.22 1936.41 9850.811-Aug-20 116 312884.09 11787.22 1877.30 9909.921-Sep-20 117 302974.18 11787.22 1817.85 9969.371-Oct-20 118 293004.80 11787.22 1758.03 10029.191-Nov-20 119 282975.61 11787.22 1697.85 10089.371-Dec-20 120 272886.24 11787.22 1637.32 10149.901-Jan-21 121 262736.34 11787.22 1576.42 10210.801-Feb-21 122 252525.54 11787.22 1515.15 10272.071-Mar-21 123 242253.47 11787.22 1453.52 10333.701-Apr-21 124 231919.77 11787.22 1391.52 10395.701-May-21 125 221524.07 11787.22 1329.14 10458.081-Jun-21 126 211066.00 11787.22 1266.40 10520.82
1-Jul-21 127 200545.17 11787.22 1203.27 10583.951-Aug-21 128 189961.22 11787.22 1139.77 10647.451-Sep-21 129 179313.77 11787.22 1075.88 10711.341-Oct-21 130 168602.43 11787.22 1011.61 10775.611-Nov-21 131 157826.83 11787.22 946.96 10840.261-Dec-21 132 146986.57 11787.22 881.92 10905.301-Jan-22 133 136081.27 11787.22 816.49 10970.731-Feb-22 134 125110.54 11787.22 750.66 11036.561-Mar-22 135 114073.98 11787.22 684.44 11102.781-Apr-22 136 102971.21 11787.22 617.83 11169.391-May-22 137 91801.81 11787.22 550.81 11236.411-Jun-22 138 80565.40 11787.22 483.39 11303.831-Jul-22 139 69261.58 11787.22 415.57 11371.651-Aug-22 140 57889.93 11787.22 347.34 11439.881-Sep-22 141 46450.05 11787.22 278.70 11508.521-Oct-22 142 34941.53 11787.22 209.65 11577.571-Nov-22 143 23363.95 11787.22 140.18 11647.041-Dec-22 144 11716.92 11787.22 70.30 11716.92
TIR Fx 8.66841%TD 10.00%
0.0792 VAN -67706.47SUM VA 1032293.53TD 0.00833333
VAP
13037.2212929.4712822.6212716.6412611.5512507.3212403.9512301.4412199.7812098.9511998.9611899.8011801.4511703.9211607.1911511.2611416.1311321.7811228.21
4235.3311485.3211390.4011296.2711202.9111110.3211018.5010927.4410837.1310747.5710658.7410570.6510483.2910396.6610310.7310225.5210141.01
* En la cuota 20 hace un abono de $1100000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
10057.209974.089891.658457.598387.698318.378249.628181.448113.838046.777980.277914.327848.917784.047719.717655.917592.647529.897467.667405.947344.747284.047223.847164.147104.937046.216987.986930.236872.956816.156759.826703.956648.556593.606539.116485.076431.476378.326325.606273.336221.486170.066119.076068.506018.35
5968.615919.285870.365821.855773.735726.025678.695631.765585.225539.065493.285447.885402.865358.215313.935270.015226.455183.265140.425097.945055.815014.034972.594931.494890.744850.324810.234770.48 CUOTA K4731.05 111 11787.22 9617.904691.95 112 11787.22 9675.604653.18 113 11787.22 9733.664614.72 114 11787.22 9792.064576.58 115 11787.22 9850.814538.76 58936.104501.254464.054427.154390.574354.284318.304282.614247.214212.114177.304142.78
4108.544074.594040.914007.523974.403941.553908.973876.673844.633812.863781.353750.093719.103688.373657.883627.653597.673567.94
1032293.53
* En la cuota 20 hace un abono de $1100000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM387.92292.69196.30
98.740.00
975.64 59911.74
A 1450000 1389836.47 1209671.83n 12 añosi 10% 15% 16% IMp 12 12 12i=i/p 0.00833333 0.01208333 0.01358333n*p 144 124 105R 17328.63 18022.09 21692.30
FECHA PERIODOS DEUDA R I AK-1450000
1-Jan-12 1 1450000 17328.63 12083.33 5245.301-Feb-12 2 1444754.70 17328.63 12039.62 5289.011-Mar-12 3 1439465.69 17328.63 11995.55 5333.091-Apr-12 4 1434132.60 17328.63 11951.10 5377.531-May-12 5 1428755.07 17328.63 11906.29 5422.341-Jun-12 6 1423332.73 17328.63 11861.11 5467.531-Jul-12 7 1417865.20 17328.63 11815.54 5513.091-Aug-12 8 1412352.11 17328.63 11769.60 5559.031-Sep-12 9 1406793.07 17328.63 11723.28 5605.361-Oct-12 10 1401187.71 17328.63 11676.56 5652.071-Nov-12 11 1395535.64 17328.63 11629.46 5699.171-Dec-12 12 1389836.47 17328.63 11581.97 5746.661-Jan-13 13 1384089.81 17328.63 11534.08 5794.551-Feb-13 14 1378295.25 17328.63 11485.79 5842.841-Mar-13 15 1372452.41 17328.63 11437.10 5891.531-Apr-13 16 1366560.88 17328.63 11388.01 5940.631-May-13 17 1360620.25 17328.63 11338.50 5990.131-Jun-13 18 1354630.12 17328.63 11288.58 6040.051-Jul-13 19 1348590.07 17328.63 11238.25 6090.381-Aug-13 20 1342499.69 5000.00 11187.50 -6187.501-Sep-13 21 1348687.18 18022.09 11239.06 6783.031-Oct-13 22 1341904.16 18022.09 11182.53 6839.551-Nov-13 23 1335064.61 18022.09 11125.54 6896.551-Dec-13 24 1328168.06 18022.09 11068.07 6954.021-Jan-14 25 1321214.04 18022.09 11010.12 7011.971-Feb-14 26 1314202.07 18022.09 10951.68 7070.401-Mar-14 27 1307131.67 18022.09 10892.76 7129.321-Apr-14 28 1300002.35 18022.09 10833.35 7188.731-May-14 29 1292813.61 18022.09 10773.45 7248.641-Jun-14 30 1285564.98 18022.09 10713.04 7309.041-Jul-14 31 1278255.93 18022.09 10652.13 7369.951-Aug-14 32 1270885.98 18022.09 10590.72 7431.371-Sep-14 33 1263454.61 18022.09 10528.79 7493.301-Oct-14 34 1255961.31 18022.09 10466.34 7555.741-Nov-14 35 1248405.57 18022.09 10403.38 7618.711-Dec-14 36 1240786.86 18022.09 10339.89 7682.20
1-Jan-15 37 1233104.67 18022.09 10275.87 7746.211-Feb-15 38 1225358.45 18022.09 10211.32 7810.771-Mar-15 39 1217547.69 18022.09 10146.23 7875.861-Apr-15 40 1209671.83 21692.30 16431.38 5260.931-May-15 41 1204410.91 21692.30 16359.91 5332.391-Jun-15 42 1199078.52 21692.30 16287.48 5404.821-Jul-15 43 1193673.70 21692.30 16214.07 5478.241-Aug-15 44 1188195.46 21692.30 16139.66 5552.651-Sep-15 45 1182642.81 21692.30 16064.23 5628.071-Oct-15 46 1177014.74 21692.30 15987.78 5704.521-Nov-15 47 1171310.22 21692.30 15910.30 5782.011-Dec-15 48 1165528.22 21692.30 15831.76 5860.541-Jan-15 49 1159667.67 21692.30 15752.15 5940.151-Feb-15 50 1153727.52 21692.30 15671.47 6020.841-Mar-15 51 1147706.69 21692.30 15589.68 6102.621-Apr-15 52 1141604.07 21692.30 15506.79 6185.511-May-15 53 1135418.55 21692.30 15422.77 6269.531-Jun-15 54 1129149.02 21692.30 15337.61 6354.701-Jul-15 55 1122794.32 21692.30 15251.29 6441.011-Aug-15 56 1116353.31 21692.30 15163.80 6528.501-Sep-15 57 1109824.81 21692.30 15075.12 6617.181-Oct-15 58 1103207.62 21692.30 14985.24 6707.071-Nov-15 59 1096500.56 21692.30 14894.13 6798.171-Dec-15 60 1089702.39 21692.30 14801.79 6890.511-Jan-16 61 1082811.87 21692.30 14708.19 6984.111-Feb-16 62 1075827.77 21692.30 14613.33 7078.981-Mar-16 63 1068748.79 21692.30 14517.17 7175.131-Apr-16 64 1061573.66 21692.30 14419.71 7272.591-May-16 65 1054301.06 21692.30 14320.92 7371.381-Jun-16 66 1046929.68 21692.30 14220.79 7471.511-Jul-16 67 1039458.18 21692.30 14119.31 7573.001-Aug-16 68 1031885.18 21692.30 14016.44 7675.861-Sep-16 69 1024209.32 21692.30 13912.18 7780.131-Oct-16 70 1016429.19 21692.30 13806.50 7885.811-Nov-16 71 1008543.39 21692.30 13699.38 7992.921-Dec-16 72 1000550.46 21692.30 13590.81 8101.491-Jan-17 73 992448.97 21692.30 13480.77 8211.541-Feb-17 74 984237.43 21692.30 13369.23 8323.081-Mar-17 75 975914.36 21692.30 13256.17 8436.131-Apr-17 76 967478.22 21692.30 13141.58 8550.721-May-17 77 958927.50 21692.30 13025.43 8666.871-Jun-17 78 950260.63 21692.30 12907.71 8784.601-Jul-17 79 941476.03 21692.30 12788.38 8903.921-Aug-17 80 932572.11 21692.30 12667.44 9024.861-Sep-17 81 923547.25 21692.30 12544.85 9147.45
1-Oct-17 82 914399.79 21692.30 12420.60 9271.711-Nov-17 83 905128.09 21692.30 12294.66 9397.651-Dec-17 84 895730.44 21692.30 12167.01 9525.301-Jan-18 85 886205.14 21692.30 12037.62 9654.681-Feb-18 86 876550.46 21692.30 11906.48 9785.831-Mar-18 87 866764.64 21692.30 11773.55 9918.751-Apr-18 88 856845.89 21692.30 11638.82 10053.481-May-18 89 846792.41 21692.30 11502.26 10190.041-Jun-18 90 836602.37 21692.30 11363.85 10328.451-Jul-18 91 826273.91 21692.30 11223.55 10468.751-Aug-18 92 815805.16 21692.30 11081.35 10610.951-Sep-18 93 805194.21 21692.30 10937.22 10755.081-Oct-18 94 794439.13 21692.30 10791.13 10901.171-Nov-18 95 783537.96 21692.30 10643.06 11049.251-Dec-18 96 772488.72 21692.30 10492.97 11199.331-Jan-19 97 761289.39 21692.30 10340.85 11351.461-Feb-19 98 749937.93 21692.30 10186.66 11505.651-Mar-19 99 738432.28 21692.30 10030.37 11661.931-Apr-19 100 726770.35 21692.30 9871.96 11820.341-May-19 101 714950.01 21692.30 9711.40 11980.901-Jun-19 102 702969.12 21692.30 9548.66 12143.641-Jul-19 103 690825.48 21692.30 9383.71 12308.591-Aug-19 104 678516.89 21692.30 9216.52 12475.781-Sep-19 105 666041.10 21692.30 9047.06 12645.241-Oct-19 106 653395.86 21692.30 8875.29 12817.011-Nov-19 107 640578.85 21692.30 8701.20 12991.111-Dec-19 108 627587.74 21692.30 8524.73 13167.571-Jan-20 109 614420.18 21692.30 8345.87 13346.431-Feb-20 110 601073.75 21692.30 8164.59 13527.721-Mar-20 111 587546.03 21692.30 7980.83 13711.471-Apr-20 112 573834.56 21692.30 7794.59 13897.721-May-20 113 559936.84 21692.30 7605.81 14086.491-Jun-20 114 545850.35 21692.30 7414.47 14277.841-Jul-20 115 531572.51 21692.30 7220.53 14471.781-Aug-20 116 517100.74 21692.30 7023.95 14668.351-Sep-20 117 502432.39 21692.30 6824.71 14867.601-Oct-20 118 487564.79 21692.30 6622.76 15069.551-Nov-20 119 472495.24 21692.30 6418.06 15274.241-Dec-20 120 457221.00 21692.30 6210.59 15481.721-Jan-21 121 441739.28 21692.30 6000.29 15692.011-Feb-21 122 426047.27 21692.30 5787.14 15905.161-Mar-21 123 410142.11 21692.30 5571.10 16121.211-Apr-21 124 394020.90 21692.30 5352.12 16340.191-May-21 125 377680.72 21692.30 5130.16 16562.141-Jun-21 126 361118.58 21692.30 4905.19 16787.11
1-Jul-21 127 344331.47 21692.30 4677.17 17015.131-Aug-21 128 327316.34 21692.30 4446.05 17246.261-Sep-21 129 310070.08 21692.30 4211.79 17480.521-Oct-21 130 292589.56 21692.30 3974.34 17717.961-Nov-21 131 274871.60 21692.30 3733.67 17958.631-Dec-21 132 256912.97 21692.30 3489.73 18202.571-Jan-22 133 238710.40 21692.30 3242.48 18449.821-Feb-22 134 220260.58 21692.30 2991.87 18700.431-Mar-22 135 201560.15 21692.30 2737.86 18954.441-Apr-22 136 182605.71 21692.30 2480.39 19211.911-May-22 137 163393.80 21692.30 2219.43 19472.871-Jun-22 138 143920.93 21692.30 1954.93 19737.381-Jul-22 139 124183.55 21692.30 1686.83 20005.481-Aug-22 140 104178.08 21692.30 1415.09 20277.221-Sep-22 141 83900.86 21692.30 1139.65 20552.651-Oct-22 142 63348.21 21692.30 860.48 20831.821-Nov-22 143 42516.39 21692.30 577.51 21114.791-Dec-22 144 21401.60 21692.30 290.71 21401.60
TIR Fx 12.84805%TD 10.00%
0.1793 VAN 220189.85SUM VA 1670189.85TD 0.00833333
VAP
17185.4217043.3916902.5416762.8516624.3116486.9216350.6716215.5416081.5315948.6215816.8115686.1015556.4615427.8915300.3915173.9415048.5414924.1714800.83
4235.3315139.7415014.6214890.5314767.4714645.4214524.3914404.3514285.3114167.2514050.1613934.0413818.8913704.6813591.4213479.0913367.70
* En la cuota 20 hace un abono de $1450000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
13257.2213147.6613039.0015564.7015436.0615308.4915181.9815056.5114932.0714808.6714686.2814564.9114444.5414325.1614206.7714089.3613972.9213857.4413742.9113629.3413516.7013404.9913294.2013184.3313075.3712967.3112860.1412753.8612648.4612543.9312440.2612337.4412235.4812134.3612034.0811934.6211835.9911738.1711641.1611544.9511449.5411354.9211261.0711168.0111075.71
10984.1810893.4010803.3710714.0910625.5410537.7210450.6410364.2710278.6110193.6610109.4210025.87
9943.019860.849779.349698.529618.379538.889460.059381.869304.339227.439151.179075.549000.548926.158852.388779.22 CUOTA K8706.67 111 21692.30 13711.478634.71 112 21692.30 13897.728563.35 113 21692.30 14086.498492.58 114 21692.30 14277.848422.39 115 21692.30 14471.788352.79 108461.518283.758215.298147.408080.078013.297947.067881.387816.257751.657687.597624.05
7561.057498.567436.597375.137314.187253.737193.787134.337075.377016.896958.906901.396844.356787.796731.696676.066620.886566.16
1670189.85
* En la cuota 20 hace un abono de $1450000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM553.03420.41284.08143.97
0.001401.48 109863.00
A 1760000 1686973.92 1469542.86n 12 añosi 10% 18% 19% IMp 12 12 12i=i/p 0.00833333 0.01516667 0.01608333n*p 144 124 105R 21033.38 21875.08 29080.45
FECHA PERIODOS DEUDA R I AK-1760000
1-Jan-12 1 1760000 21033.38 14666.67 6366.711-Feb-12 2 1753633.29 21033.38 14613.61 6419.771-Mar-12 3 1747213.52 21033.38 14560.11 6473.261-Apr-12 4 1740740.26 21033.38 14506.17 6527.211-May-12 5 1734213.05 21033.38 14451.78 6581.601-Jun-12 6 1727631.45 21033.38 14396.93 6636.451-Jul-12 7 1720995.00 21033.38 14341.62 6691.751-Aug-12 8 1714303.25 21033.38 14285.86 6747.521-Sep-12 9 1707555.73 21033.38 14229.63 6803.751-Oct-12 10 1700751.98 21033.38 14172.93 6860.441-Nov-12 11 1693891.54 21033.38 14115.76 6917.611-Dec-12 12 1686973.92 21033.38 14058.12 6975.261-Jan-13 13 1679998.66 21033.38 13999.99 7033.391-Feb-13 14 1672965.27 21033.38 13941.38 7092.001-Mar-13 15 1665873.27 21033.38 13882.28 7151.101-Apr-13 16 1658722.17 21033.38 13822.68 7210.691-May-13 17 1651511.48 21033.38 13762.60 7270.781-Jun-13 18 1644240.70 21033.38 13702.01 7331.371-Jul-13 19 1636909.33 21033.38 13640.91 7392.471-Aug-13 20 1629516.86 5000.00 13579.31 -8579.311-Sep-13 21 1638096.17 21875.08 13650.80 8224.281-Oct-13 22 1629871.89 21875.08 13582.27 8292.821-Nov-13 23 1621579.07 21875.08 13513.16 8361.921-Dec-13 24 1613217.14 21875.08 13443.48 8431.611-Jan-14 25 1604785.54 21875.08 13373.21 8501.871-Feb-14 26 1596283.67 21875.08 13302.36 8572.721-Mar-14 27 1587710.95 21875.08 13230.92 8644.161-Apr-14 28 1579066.79 21875.08 13158.89 8716.191-May-14 29 1570350.59 21875.08 13086.25 8788.831-Jun-14 30 1561561.76 21875.08 13013.01 8862.071-Jul-14 31 1552699.69 21875.08 12939.16 8935.921-Aug-14 32 1543763.78 21875.08 12864.70 9010.391-Sep-14 33 1534753.39 21875.08 12789.61 9085.471-Oct-14 34 1525667.92 21875.08 12713.90 9161.181-Nov-14 35 1516506.73 21875.08 12637.56 9237.531-Dec-14 36 1507269.21 21875.08 12560.58 9314.51
1-Jan-15 37 1497954.70 21875.08 12482.96 9392.131-Feb-15 38 1488562.57 21875.08 12404.69 9470.401-Mar-15 39 1479092.18 21875.08 12325.77 9549.321-Apr-15 40 1469542.86 29080.45 23635.15 5445.301-May-15 41 1464097.56 29080.45 23547.57 5532.881-Jun-15 42 1458564.69 29080.45 23458.58 5621.861-Jul-15 43 1452942.82 29080.45 23368.16 5712.281-Aug-15 44 1447230.54 29080.45 23276.29 5804.151-Sep-15 45 1441426.39 29080.45 23182.94 5897.501-Oct-15 46 1435528.88 29080.45 23088.09 5992.361-Nov-15 47 1429536.53 29080.45 22991.71 6088.731-Dec-15 48 1423447.79 29080.45 22893.79 6186.661-Jan-15 49 1417261.13 29080.45 22794.28 6286.161-Feb-15 50 1410974.97 29080.45 22693.18 6387.261-Mar-15 51 1404587.71 29080.45 22590.45 6489.991-Apr-15 52 1398097.71 29080.45 22486.07 6594.371-May-15 53 1391503.34 29080.45 22380.01 6700.431-Jun-15 54 1384802.90 29080.45 22272.25 6808.201-Jul-15 55 1377994.71 29080.45 22162.75 6917.701-Aug-15 56 1371077.01 29080.45 22051.49 7028.961-Sep-15 57 1364048.05 29080.45 21938.44 7142.011-Oct-15 58 1356906.04 29080.45 21823.57 7256.871-Nov-15 59 1349649.17 29080.45 21706.86 7373.591-Dec-15 60 1342275.58 29080.45 21588.27 7492.181-Jan-16 61 1334783.40 29080.45 21467.77 7612.681-Feb-16 62 1327170.72 29080.45 21345.33 7735.121-Mar-16 63 1319435.61 29080.45 21220.92 7859.521-Apr-16 64 1311576.09 29080.45 21094.52 7985.931-May-16 65 1303590.16 29080.45 20966.07 8114.371-Jun-16 66 1295475.78 29080.45 20835.57 8244.881-Jul-16 67 1287230.91 29080.45 20702.96 8377.481-Aug-16 68 1278853.43 29080.45 20568.23 8512.221-Sep-16 69 1270341.21 29080.45 20431.32 8649.121-Oct-16 70 1261692.08 29080.45 20292.21 8788.231-Nov-16 71 1252903.85 29080.45 20150.87 8929.581-Dec-16 72 1243974.28 29080.45 20007.25 9073.191-Jan-17 73 1234901.08 29080.45 19861.33 9219.121-Feb-17 74 1225681.96 29080.45 19713.05 9367.391-Mar-17 75 1216314.57 29080.45 19562.39 9518.051-Apr-17 76 1206796.52 29080.45 19409.31 9671.131-May-17 77 1197125.38 29080.45 19253.77 9826.681-Jun-17 78 1187298.70 29080.45 19095.72 9984.721-Jul-17 79 1177313.98 29080.45 18935.13 10145.311-Aug-17 80 1167168.67 29080.45 18771.96 10308.481-Sep-17 81 1156860.18 29080.45 18606.17 10474.28
1-Oct-17 82 1146385.91 29080.45 18437.71 10642.741-Nov-17 83 1135743.17 29080.45 18266.54 10813.911-Dec-17 84 1124929.26 29080.45 18092.61 10987.831-Jan-18 85 1113941.42 29080.45 17915.89 11164.551-Feb-18 86 1102776.87 29080.45 17736.33 11344.121-Mar-18 87 1091432.75 29080.45 17553.88 11526.571-Apr-18 88 1079906.18 29080.45 17368.49 11711.951-May-18 89 1068194.23 29080.45 17180.12 11900.321-Jun-18 90 1056293.91 29080.45 16988.73 12091.721-Jul-18 91 1044202.19 29080.45 16794.25 12286.191-Aug-18 92 1031915.99 29080.45 16596.65 12483.801-Sep-18 93 1019432.20 29080.45 16395.87 12684.581-Oct-18 94 1006747.62 29080.45 16191.86 12888.591-Nov-18 95 993859.03 29080.45 15984.57 13095.881-Dec-18 96 980763.15 29080.45 15773.94 13306.501-Jan-19 97 967456.65 29080.45 15559.93 13520.521-Feb-19 98 953936.13 29080.45 15342.47 13737.971-Mar-19 99 940198.16 29080.45 15121.52 13958.931-Apr-19 100 926239.23 29080.45 14897.01 14183.431-May-19 101 912055.80 29080.45 14668.90 14411.551-Jun-19 102 897644.25 29080.45 14437.11 14643.331-Jul-19 103 883000.92 29080.45 14201.60 14878.851-Aug-19 104 868122.07 29080.45 13962.30 15118.151-Sep-19 105 853003.92 29080.45 13719.15 15361.301-Oct-19 106 837642.62 29080.45 13472.09 15608.361-Nov-19 107 822034.26 29080.45 13221.05 15859.391-Dec-19 108 806174.87 29080.45 12965.98 16114.471-Jan-20 109 790060.40 29080.45 12706.80 16373.641-Feb-20 110 773686.76 29080.45 12443.46 16636.981-Mar-20 111 757049.78 29080.45 12175.88 16904.561-Apr-20 112 740145.22 29080.45 11904.00 17176.441-May-20 113 722968.77 29080.45 11627.75 17452.701-Jun-20 114 705516.08 29080.45 11347.05 17733.401-Jul-20 115 687782.68 29080.45 11061.84 18018.611-Aug-20 116 669764.07 29080.45 10772.04 18308.411-Sep-20 117 651455.67 29080.45 10477.58 18602.871-Oct-20 118 632852.80 29080.45 10178.38 18902.061-Nov-20 119 613950.74 29080.45 9874.37 19206.071-Dec-20 120 594744.67 29080.45 9565.48 19514.971-Jan-21 121 575229.70 29080.45 9251.61 19828.831-Feb-21 122 555400.86 29080.45 8932.70 20147.751-Mar-21 123 535253.11 29080.45 8608.65 20471.791-Apr-21 124 514781.32 29080.45 8279.40 20801.051-May-21 125 493980.28 29080.45 7944.85 21135.601-Jun-21 126 472844.68 29080.45 7604.92 21475.53
1-Jul-21 127 451369.15 29080.45 7259.52 21820.921-Aug-21 128 429548.23 29080.45 6908.57 22171.881-Sep-21 129 407376.35 29080.45 6551.97 22528.481-Oct-21 130 384847.87 29080.45 6189.64 22890.811-Nov-21 131 361957.07 29080.45 5821.48 23258.971-Dec-21 132 338698.10 29080.45 5447.39 23633.051-Jan-22 133 315065.04 29080.45 5067.30 24013.151-Feb-22 134 291051.90 29080.45 4681.08 24399.361-Mar-22 135 266652.53 29080.45 4288.66 24791.781-Apr-22 136 241860.75 29080.45 3889.93 25190.521-May-22 137 216670.23 29080.45 3484.78 25595.671-Jun-22 138 191074.57 29080.45 3073.12 26007.331-Jul-22 139 165067.24 29080.45 2654.83 26425.611-Aug-22 140 138641.62 29080.45 2229.82 26850.631-Sep-22 141 111791.00 29080.45 1797.97 27282.471-Oct-22 142 84508.52 29080.45 1359.18 27721.271-Nov-22 143 56787.26 29080.45 913.33 28167.121-Dec-22 144 28620.14 29080.45 460.31 28620.14
TIR Fx 14.13133%TD 10.00%
0.2123 VAN 405249.36SUM VA 2165249.36TD 0.00833333
VAP
20859.5520687.1520516.1920346.6320178.4820011.7119846.3319682.3119519.6419358.3219198.3419039.6718882.3218726.2718571.5118418.0218265.8118114.8517965.14
4235.3318376.5118224.6418074.0217924.6517776.5117629.6017483.9017339.4117196.1117053.9916913.0516773.2716634.6516497.1716360.8316225.62
* En la cuota 20 hace un abono de $1760000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
16091.5215958.5315826.6520865.8520693.4120522.3920352.7820184.5720017.7619852.3219688.2519525.5419364.1719204.1419045.4318888.0318731.9318577.1218423.5918271.3318120.3217970.5717822.0517674.7617528.6917383.8317240.1617097.6816956.3716816.2416677.2616539.4316402.7416267.1816132.7415999.4215867.1915736.0515606.0015477.0315349.1215222.2715096.4614971.7014847.97
14725.2614603.5614482.8714363.1814244.4714126.7514010.0013894.2113779.3913665.5113552.5713440.5613329.4913219.3213110.0713001.7312894.2712787.7112682.0312577.2212473.2712370.1912267.9512166.5712066.0211966.3011867.4011769.32 CUOTA K11672.06 111 29080.45 16904.5611575.59 112 29080.45 17176.4411479.93 113 29080.45 17452.7011385.05 114 29080.45 17733.4011290.96 115 29080.45 18018.6111197.65 145402.2311105.1011013.3310922.3110832.0410742.5210653.7410565.6910478.3710391.7710305.8910220.72
10136.2510052.48
9969.409887.019805.309724.269643.909564.199485.159406.769329.029251.929175.469099.639024.428949.848875.888802.52
2165249.36
* En la cuota 20 hace un abono de $1760000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM681.82519.59351.96178.81
0.001732.18 147134.41
A 1800000 1725314.24 1503074.61n 12 añosi 10% 20% 25% IMp 12 12 12i=i/p 0.00833333 0.01666667 0.02083333n*p 144 124 105R 21511.41 22372.24 35373.00
FECHA PERIODOS DEUDA R I AK-1800000
1-Jan-12 1 1800000 21511.41 15000.00 6511.411-Feb-12 2 1793488.59 21511.41 14945.74 6565.671-Mar-12 3 1786922.92 21511.41 14891.02 6620.381-Apr-12 4 1780302.54 21511.41 14835.85 6675.551-May-12 5 1773626.98 21511.41 14780.22 6731.181-Jun-12 6 1766895.80 21511.41 14724.13 6787.281-Jul-12 7 1760108.52 21511.41 14667.57 6843.841-Aug-12 8 1753264.68 21511.41 14610.54 6900.871-Sep-12 9 1746363.81 21511.41 14553.03 6958.381-Oct-12 10 1739405.44 21511.41 14495.05 7016.361-Nov-12 11 1732389.07 21511.41 14436.58 7074.831-Dec-12 12 1725314.24 21511.41 14377.62 7133.791-Jan-13 13 1718180.45 21511.41 14318.17 7193.241-Feb-13 14 1710987.21 21511.41 14258.23 7253.181-Mar-13 15 1703734.03 21511.41 14197.78 7313.631-Apr-13 16 1696420.40 21511.41 14136.84 7374.571-May-13 17 1689045.83 21511.41 14075.38 7436.031-Jun-13 18 1681609.81 21511.41 14013.42 7497.991-Jul-13 19 1674111.81 21511.41 13950.93 7560.481-Aug-13 20 1666551.34 5000.00 13887.93 -8887.931-Sep-13 21 1675439.26 22372.24 13961.99 8410.251-Oct-13 22 1667029.01 22372.24 13891.91 8480.341-Nov-13 23 1658548.68 22372.24 13821.24 8551.011-Dec-13 24 1649997.67 22372.24 13749.98 8622.261-Jan-14 25 1641375.41 22372.24 13678.13 8694.121-Feb-14 26 1632681.29 22372.24 13605.68 8766.571-Mar-14 27 1623914.72 22372.24 13532.62 8839.621-Apr-14 28 1615075.10 22372.24 13458.96 8913.291-May-14 29 1606161.82 22372.24 13384.68 8987.561-Jun-14 30 1597174.25 22372.24 13309.79 9062.461-Jul-14 31 1588111.79 22372.24 13234.26 9137.981-Aug-14 32 1578973.81 22372.24 13158.12 9214.131-Sep-14 33 1569759.68 22372.24 13081.33 9290.911-Oct-14 34 1560468.77 22372.24 13003.91 9368.341-Nov-14 35 1551100.43 22372.24 12925.84 9446.411-Dec-14 36 1541654.02 22372.24 12847.12 9525.13
1-Jan-15 37 1532128.90 22372.24 12767.74 9604.501-Feb-15 38 1522524.39 22372.24 12687.70 9684.541-Mar-15 39 1512839.85 22372.24 12607.00 9765.251-Apr-15 40 1503074.61 35373.00 31314.05 4058.951-May-15 41 1499015.66 35373.00 31229.49 4143.511-Jun-15 42 1494872.15 35373.00 31143.17 4229.831-Jul-15 43 1490642.32 35373.00 31055.05 4317.951-Aug-15 44 1486324.36 35373.00 30965.09 4407.911-Sep-15 45 1481916.45 35373.00 30873.26 4499.741-Oct-15 46 1477416.71 35373.00 30779.51 4593.491-Nov-15 47 1472823.22 35373.00 30683.82 4689.181-Dec-15 48 1468134.04 35373.00 30586.13 4786.881-Jan-15 49 1463347.16 35373.00 30486.40 4886.601-Feb-15 50 1458460.56 35373.00 30384.59 4988.411-Mar-15 51 1453472.15 35373.00 30280.67 5092.331-Apr-15 52 1448379.82 35373.00 30174.58 5198.421-May-15 53 1443181.40 35373.00 30066.28 5306.721-Jun-15 54 1437874.68 35373.00 29955.72 5417.281-Jul-15 55 1432457.40 35373.00 29842.86 5530.141-Aug-15 56 1426927.26 35373.00 29727.65 5645.351-Sep-15 57 1421281.91 35373.00 29610.04 5762.961-Oct-15 58 1415518.94 35373.00 29489.98 5883.021-Nov-15 59 1409635.92 35373.00 29367.42 6005.591-Dec-15 60 1403630.33 35373.00 29242.30 6130.701-Jan-16 61 1397499.63 35373.00 29114.58 6258.431-Feb-16 62 1391241.20 35373.00 28984.19 6388.811-Mar-16 63 1384852.39 35373.00 28851.09 6521.911-Apr-16 64 1378330.48 35373.00 28715.22 6657.781-May-16 65 1371672.70 35373.00 28576.51 6796.491-Jun-16 66 1364876.21 35373.00 28434.92 6938.081-Jul-16 67 1357938.13 35373.00 28290.38 7082.621-Aug-16 68 1350855.51 35373.00 28142.82 7230.181-Sep-16 69 1343625.33 35373.00 27992.19 7380.811-Oct-16 70 1336244.52 35373.00 27838.43 7534.571-Nov-16 71 1328709.95 35373.00 27681.46 7691.541-Dec-16 72 1321018.40 35373.00 27521.22 7851.791-Jan-17 73 1313166.62 35373.00 27357.64 8015.361-Feb-17 74 1305151.25 35373.00 27190.65 8182.351-Mar-17 75 1296968.90 35373.00 27020.19 8352.821-Apr-17 76 1288616.09 35373.00 26846.17 8526.831-May-17 77 1280089.25 35373.00 26668.53 8704.481-Jun-17 78 1271384.78 35373.00 26487.18 8885.821-Jul-17 79 1262498.96 35373.00 26302.06 9070.941-Aug-17 80 1253428.02 35373.00 26113.08 9259.921-Sep-17 81 1244168.10 35373.00 25920.17 9452.83
1-Oct-17 82 1234715.27 35373.00 25723.23 9649.771-Nov-17 83 1225065.50 35373.00 25522.20 9850.801-Dec-17 84 1215214.70 35373.00 25316.97 10056.031-Jan-18 85 1205158.67 35373.00 25107.47 10265.531-Feb-18 86 1194893.14 35373.00 24893.61 10479.391-Mar-18 87 1184413.74 35373.00 24675.29 10697.721-Apr-18 88 1173716.03 35373.00 24452.42 10920.581-May-18 89 1162795.44 35373.00 24224.91 11148.101-Jun-18 90 1151647.35 35373.00 23992.65 11380.351-Jul-18 91 1140267.00 35373.00 23755.56 11617.441-Aug-18 92 1128649.56 35373.00 23513.53 11859.471-Sep-18 93 1116790.09 35373.00 23266.46 12106.541-Oct-18 94 1104683.55 35373.00 23014.24 12358.761-Nov-18 95 1092324.79 35373.00 22756.77 12616.241-Dec-18 96 1079708.55 35373.00 22493.93 12879.071-Jan-19 97 1066829.48 35373.00 22225.61 13147.391-Feb-19 98 1053682.09 35373.00 21951.71 13421.291-Mar-19 99 1040260.80 35373.00 21672.10 13700.901-Apr-19 100 1026559.90 35373.00 21386.66 13986.341-May-19 101 1012573.56 35373.00 21095.28 14277.721-Jun-19 102 998295.84 35373.00 20797.83 14575.171-Jul-19 103 983720.67 35373.00 20494.18 14878.821-Aug-19 104 968841.85 35373.00 20184.21 15188.801-Sep-19 105 953653.05 35373.00 19867.77 15505.231-Oct-19 106 938147.82 35373.00 19544.75 15828.261-Nov-19 107 922319.57 35373.00 19214.99 16158.011-Dec-19 108 906161.56 35373.00 18878.37 16494.641-Jan-20 109 889666.92 35373.00 18534.73 16838.271-Feb-20 110 872828.64 35373.00 18183.93 17189.071-Mar-20 111 855639.57 35373.00 17825.82 17547.181-Apr-20 112 838092.40 35373.00 17460.26 17912.741-May-20 113 820179.65 35373.00 17087.08 18285.931-Jun-20 114 801893.73 35373.00 16706.12 18666.881-Jul-20 115 783226.84 35373.00 16317.23 19055.781-Aug-20 116 764171.07 35373.00 15920.23 19452.771-Sep-20 117 744718.30 35373.00 15514.96 19858.041-Oct-20 118 724860.26 35373.00 15101.26 20271.751-Nov-20 119 704588.51 35373.00 14678.93 20694.071-Dec-20 120 683894.44 35373.00 14247.80 21125.201-Jan-21 121 662769.24 35373.00 13807.69 21565.311-Feb-21 122 641203.93 35373.00 13358.42 22014.591-Mar-21 123 619189.34 35373.00 12899.78 22473.221-Apr-21 124 596716.12 35373.00 12431.59 22941.421-May-21 125 573774.70 35373.00 11953.64 23419.361-Jun-21 126 550355.34 35373.00 11465.74 23907.27
1-Jul-21 127 526448.07 35373.00 10967.67 24405.331-Aug-21 128 502042.74 35373.00 10459.22 24913.781-Sep-21 129 477128.96 35373.00 9940.19 25432.821-Oct-21 130 451696.15 35373.00 9410.34 25962.671-Nov-21 131 425733.48 35373.00 8869.45 26503.551-Dec-21 132 399229.93 35373.00 8317.29 27055.711-Jan-22 133 372174.22 35373.00 7753.63 27619.371-Feb-22 134 344554.84 35373.00 7178.23 28194.781-Mar-22 135 316360.07 35373.00 6590.83 28782.171-Apr-22 136 287577.90 35373.00 5991.21 29381.801-May-22 137 258196.10 35373.00 5379.09 29993.921-Jun-22 138 228202.19 35373.00 4754.21 30618.791-Jul-22 139 197583.40 35373.00 4116.32 31256.681-Aug-22 140 166326.72 35373.00 3465.14 31907.861-Sep-22 141 134418.86 35373.00 2800.39 32572.611-Oct-22 142 101846.25 35373.00 2121.80 33251.201-Nov-22 143 68595.04 35373.00 1429.06 33943.941-Dec-22 144 34651.10 35373.00 721.90 34651.10
TIR Fx 16.43699%TD 10.00%
0.275 VAN 698742.13SUM VA 2498742.13TD 0.00833333
VAP
21333.6321157.3220982.4620809.0520637.0820466.5220297.3820129.6319963.2719798.2919634.6619472.3919311.4719151.8718993.5918836.6218680.9418526.5518373.44
4235.3318794.1618638.8418484.8018332.0318180.5318030.2717881.2617733.4817586.9317441.5817297.4417154.4817012.7116872.1116732.6716594.38
* En la cuota 20 hace un abono de $1800000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
16457.2416321.2316186.3425380.9025171.1424963.1124756.8024552.2024349.2924148.0623948.4923750.5723554.2823359.6223166.5622975.1022785.2322596.9222410.1722224.9622041.2821859.1221678.4721499.3121321.6321145.4120970.6620797.3520625.4720455.0120285.9620118.3119952.0419787.1519623.6219461.4419300.6019141.0918982.9018826.0218670.4318516.1318363.1018211.3418060.84
17911.5717763.5417616.7417471.1417326.7517183.5617041.5516900.7116761.0316622.5116485.1316348.8916213.7816079.7815946.8915815.1015684.3915554.7715426.2215298.7315172.2915046.9014922.5514799.2214676.9114555.6214435.3214316.02 CUOTA K14197.71 111 35373.00 17547.1814080.37 112 35373.00 17912.7413964.01 113 35373.00 18285.9313848.60 114 35373.00 18666.8813734.15 115 35373.00 19055.7813620.64 176865.0113508.0813396.4413285.7213175.9313067.0312959.0412851.9412745.7312640.3912535.9212432.32
12329.5812227.6812126.6212026.4011927.0111828.4411730.6911633.7411537.5911442.2411347.6811253.8911160.8911068.6510977.1710886.4510796.4810707.25
2498742.13
* En la cuota 20 hace un abono de $1800000* A partir de la cuota 40 el interes sube 1% adicional* Calcular el VAN 10%* Calcular el TIR* Si las cuotas 111 a 114 caen en una mora calcular el valor a pagar en la cuota 115
IM707.74541.86368.77188.22
0.001806.59 178671.60
