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Tarea 3 - Tablas de Amortización Resueltas
matematica financiera (Universidad Nacional Abierta y a Distancia)
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Tarea 3 - Tablas de Amortización Resueltas
matematica financiera (Universidad Nacional Abierta y a Distancia)
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ESCUELA DE CIENCIAS ADMINISTRATIVAS, CONTABLES, ECONO
ANEXO-PLANTILLA-TAREA 3- TABLAS DE AMO
MATEMATICAS FINANCIERAS 
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ECONOMICAS Y DE NEGOCIOS ECACEN
BLAS DE AMORTIZACIÓN
IERAS 116005
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REGISTRE AQUÍ EL NOMBRE DEL ESTUDIANTE
Registre Aqu
Evaluación Financiera de Proy
REGISTRE AQUÍ EL NÚM
Registre Aquí el Nombre
Presenta
ESCUELA DE CIENCIAS ADMINISTRATIVAS, CONTA
Registre Aquí el Nombre del Pro
Matemáticas F
116005
Registre Aquí
UNIVERSIDAD NACIONAL ABIE
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 Aquí la Fecha
a de Proyectos de Inversión
L NÚMERO DE GRUPO
mbre del Tutor Asignado
REGISTRE AQUÍ EL CÓDIGO DEL ESTUDIANTE
sentado a:
NTABLES, ECONÓMICAS Y DE NEGOCIOS (ECACEN)
l Programa Académico (Carrera)
icas Financieras
116005
 Aquí la Ciudad
 ABIERTA Y A DISTANCIA UNAD
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Monto
Alternativa 1 $20,000,000
Alternativa 2 $20,000,000
Alternativa 1 $28,000,000
Alternativa 2 $28,000,000
Alternativa 1 $48,000,000
Alternativa 2 $48,000,000
Alternativa 1 $45,000,000
Alternativa 2 $45,000,000
m Expresión Nominal Número Periodos
Meses NACM 12
Bimestres NACB 6
Cuatrimestres NACC 3
Trimestres NACT 4
Tenga en cuenta las sigu
Decisión 4
Diligencie, únicamente, las ce
Decisión 2
Decisión 3
Condiciones de Crédito
Decisión 1
La información que debe utilizar p
𝑖𝑝 = 1 + 𝒊𝑬𝑨 1𝑚 − 1
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Tasa Anual Tasa Periódica Plazo
21.00% NACM 1.75% MMV 96
21.00% NACM 1.75% MMV 96
20.00% EA 1.53% MMV 84
20.00% EA 1.53% MMV 84
26.00% EA 3.93% BBV 57
26.00% EA 3.93% BBV 57
26.00% NACM 2.17% MMV 120
26.00% NACM 2.17% MMV 120
as siguientes fórmulas:
 las celdas solicitadas de tasa anual y monto
izar para el desarrollo de la actividad es la siguiente:
𝑖𝑝 = 𝑖𝑁𝑂𝑀𝑎𝑚
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Capital (P) $20,000,000 Cuota (A)
Tasa (i) 1.75%
Plazo (n) 96
Decisión
No. de Cuota Saldo Inicial Cuota
1 $20,000,000 $431,620
2 $19,918,380 $431,620
3 $19,835,331 $431,620
4 $19,750,829 $431,620
5 $19,664,849 $431,620
6 $19,577,363 $431,620
7 $19,488,347 $431,620
8 $19,397,773 $431,620
9 $19,305,614 $431,620
10 $19,211,842 $431,620
11 $19,116,429 $431,620
12 $19,019,346 $431,620
13 $18,920,564 $431,620
14 $18,820,054 $431,620
15 $18,717,785 $431,620
16 $18,613,726 $431,620
17 $18,507,846 $431,620
18 $18,400,113 $431,620
Una empresa, vínculada al sector industrial, solicita un créd
alternativa de financiar el crédito con un sistema de amort
• Alternativa 1: Financiación con Cuota Fija mensual a un
• Alternativa 2: Financiación con Abono mensual Constan
El objetivo es estructurar la tabla de amortización correspo
Ambas opciones serian igual de utiles para la empres
favorable seria la alternativa 2 con una cantidad de de
ALTERNA
TABLA DE AMORTIZACIÓN
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19 $18,290,495 $431,620
20 $18,178,958 $431,620
21 $18,065,470 $431,620
22 $17,949,995 $431,620
23 $17,832,500 $431,620
24 $17,712,949 $431,620
25 $17,591,305 $431,620
26 $17,467,533 $431,620
27 $17,341,594 $431,620
28 $17,213,452 $431,620
29 $17,083,067 $431,620
30 $16,950,401 $431,620
31 $16,815,412 $431,620
32 $16,678,062 $431,620
33 $16,538,308 $431,620
34 $16,396,108 $431,620
35 $16,251,420 $431,620
36 $16,104,199 $431,620
37 $15,954,403 $431,620
38 $15,801,985 $431,620
39 $15,646,899 $431,620
40 $15,489,100 $431,620
41 $15,328,539 $431,620
42 $15,165,168 $431,620
43 $14,998,938 $431,620
44 $14,829,799 $431,620
45 $14,657,701 $431,620
46 $14,482,590 $431,620
47 $14,304,415 $431,620
48 $14,123,122 $431,620
49 $13,938,657 $431,620
50 $13,750,963 $431,620
51 $13,559,985 $431,620
52 $13,365,664 $431,620
53 $13,167,943 $431,620
54 $12,966,762 $431,620
55 $12,762,060 $431,620
56 $12,553,776 $431,620
57 $12,341,847 $431,620
58 $12,126,209 $431,620
59 $11,906,798 $431,620
60 $11,683,546 $431,620
61 $11,456,388 $431,620
62 $11,225,255 $431,620
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63 $10,990,077 $431,620
64 $10,750,783 $431,620
65 $10,507,301 $431,620
66 $10,259,559 $431,620
67 $10,007,481 $431,620
68 $9,750,992 $431,620
69 $9,490,014 $431,620
70 $9,224,469 $431,620
71 $8,954,277 $431,620
72 $8,679,356 $431,620
73 $8,399,625 $431,620
74 $8,114,998 $431,620
75 $7,825,390 $431,620
76 $7,530,715 $431,620
77 $7,230,882 $431,620
78 $6,925,802 $431,620
79 $6,615,384 $431,620
80 $6,299,533 $431,620
81 $5,978,154 $431,620
82 $5,651,152 $431,620
83 $5,318,427 $431,620
84 $4,979,879 $431,620
85 $4,635,407 $431,620
86 $4,284,906 $431,620
87 $3,928,272 $431,620
88 $3,565,396 $431,620
89 $3,196,170 $431,620
90 $2,820,483 $431,620
91 $2,438,221 $431,620
92 $2,049,270 $431,620
93 $1,653,512 $431,620
94 $1,250,828 $431,620
95 $841,098 $431,620
96 $424,197 $431,620
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$431,620
Interés Abono Saldo Final
$350,000 $81,620 $19,918,380
$348,572 $83,049 $19,835,331
$347,118 $84,502 $19,750,829
$345,640 $85,981 $19,664,849
$344,135 $87,485 $19,577,363
$342,604 $89,016 $19,488,347
$341,046 $90,574 $19,397,773
$339,461 $92,159 $19,305,614
$337,848 $93,772 $19,211,842
$336,207 $95,413 $19,116,429
$334,538 $97,083 $19,019,346
$332,839 $98,782 $18,920,564
$331,110 $100,510 $18,820,054
$329,351 $102,269 $18,717,785
$327,561 $104,059 $18,613,726
$325,740 $105,880 $18,507,846
$323,887 $107,733 $18,400,113
$322,002 $109,618 $18,290,495
Diligencie, únicamente, las celdas en col
 crédito comercial a una institución financiera, con la finalidad de financiar la comp
ortización de cuota fija o con un sistema de abono constante a capital, cu
• Alternativa 1: a un Plazo de 8 años y la tasa de interés periódica dada a continuación.
• Alternativa 2: stante a Capital a un plazo de 8 años y la tasa de interés periódica dada a continu
spondiente y tomar una decisión; teniendo en cuenta los problemas de liqui
mpresa exceptuando la diferencia de pago extra que hay entre la 2da y 1e
d de deuda menor a la anterior.
RNATIVA 1
ZACIÓN DE CUOTA FIJA
𝐴 = 𝑃 1 + 𝑖 𝑛𝑖1 + 𝑖 𝑛 − 1
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$320,084 $111,537 $18,178,958
$318,132 $113,488 $18,065,470
$316,146 $115,474 $17,949,995
$314,125 $117,495 $17,832,500
$312,069 $119,551 $17,712,949
$309,977 $121,644 $17,591,305
$307,848 $123,772 $17,467,533
$305,682 $125,938 $17,341,594
$303,478 $128,142 $17,213,452
$301,235 $130,385 $17,083,067
$298,954 $132,667 $16,950,401
$296,632 $134,988 $16,815,412
$294,270 $137,350 $16,678,062
$291,866 $139,754 $16,538,308
$289,420 $142,200 $16,396,108
$286,932 $144,688 $16,251,420
$284,400 $147,220 $16,104,199
$281,823 $149,797 $15,954,403
$279,202 $152,418 $15,801,985
$276,535 $155,085 $15,646,899
$273,821 $157,799 $15,489,100
$271,059 $160,561 $15,328,539
$268,249 $163,371 $15,165,168
$265,390 $166,230 $14,998,938
$262,481 $169,139 $14,829,799
$259,521 $172,099 $14,657,701
$256,510 $175,110 $14,482,590
$253,445 $178,175 $14,304,415
$250,327 $181,293 $14,123,122
$247,155 $184,466 $13,938,657
$243,926 $187,694 $13,750,963
$240,642 $190,978 $13,559,985
$237,300 $194,320 $13,365,664
$233,899 $197,721 $13,167,943
$230,439 $201,181 $12,966,762
$226,918 $204,702 $12,762,060
$223,336 $208,284 $12,553,776
$219,691 $211,929 $12,341,847
$215,982 $215,638 $12,126,209
$212,209 $219,412 $11,906,798
$208,369 $223,251 $11,683,546
$204,462 $227,158 $11,456,388
$200,487 $231,133 $11,225,255
$196,442 $235,178 $10,990,077
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$192,326 $239,294 $10,750,783
$188,139 $243,481 $10,507,301
$183,878 $247,742 $10,259,559
$179,542 $252,078 $10,007,481
$175,131 $256,489 $9,750,992
$170,642 $260,978 $9,490,014
$166,075 $265,545 $9,224,469
$161,428 $270,192 $8,954,277
$156,700 $274,920 $8,679,356
$151,889 $279,731 $8,399,625
$146,993 $284,627 $8,114,998
$142,012 $289,608 $7,825,390
$136,944 $294,676 $7,530,715
$131,788 $299,833 $7,230,882
$126,540 $305,080 $6,925,802
$121,202 $310,419 $6,615,384
$115,769 $315,851 $6,299,533
$110,242 $321,378 $5,978,154
$104,618 $327,002 $5,651,152
$98,895 $332,725 $5,318,427
$93,072 $338,548 $4,979,879
$87,148 $344,472 $4,635,407
$81,120 $350,501 $4,284,906
$74,986 $356,634 $3,928,272
$68,745 $362,875 $3,565,396
$62,394 $369,226 $3,196,170
$55,933 $375,687 $2,820,483
$49,358 $382,262 $2,438,221
$42,669 $388,951 $2,049,270
$35,862 $395,758 $1,653,512
$28,936 $402,684 $1,250,828
$21,889 $409,731 $841,098
$14,719 $416,901 $424,197
$7,423 $424,197 $0
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Capital (P) $20,000,000
Tasa (i) 1.75%
Plazo (n) 96
No. de Cuota Saldo Inicial Cuota Interés
1 $20,000,000 $558,333 $350,000
2 $19,791,667 $554,688 $346,354
3 $19,583,333 $551,042 $342,708
4 $19,375,000 $547,396 $339,063
5 $19,166,667 $543,750 $335,417
6 $18,958,333 $540,104 $331,771
7 $18,750,000 $536,458 $328,125
8 $18,541,667 $532,813 $324,479
9 $18,333,333 $529,167 $320,833
10 $18,125,000 $525,521 $317,188
11 $17,916,667 $521,875 $313,542
12 $17,708,333 $518,229 $309,896
13 $17,500,000 $514,583 $306,250
14 $17,291,667 $510,938 $302,604
15$17,083,333 $507,292 $298,958
16 $16,875,000 $503,646 $295,313
17 $16,666,667 $500,000 $291,667
18 $16,458,333 $496,354 $288,021
 color amarillo.
ompra de un activo fijo que le permita modernizar su sistema de producción. Se p
l, cuyas condiciones se plantean a continuación:
• Alternativa 1:
• Alternativa 2: tinuación.
liquidez que enfrenta actualmente la empresa:
2da y 1era alternativa, por lo cual la mas conveniente y
ALTERNATIVA 2
TABLA DE AMORTIZACIÓN ABONO CONSTANTE 
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19 $16,250,000 $492,708 $284,375
20 $16,041,667 $489,063 $280,729
21 $15,833,333 $485,417 $277,083
22 $15,625,000 $481,771 $273,438
23 $15,416,667 $478,125 $269,792
24 $15,208,333 $474,479 $266,146
25 $15,000,000 $470,833 $262,500
26 $14,791,667 $467,188 $258,854
27 $14,583,333 $463,542 $255,208
28 $14,375,000 $459,896 $251,563
29 $14,166,667 $456,250 $247,917
30 $13,958,333 $452,604 $244,271
31 $13,750,000 $448,958 $240,625
32 $13,541,667 $445,313 $236,979
33 $13,333,333 $441,667 $233,333
34 $13,125,000 $438,021 $229,688
35 $12,916,667 $434,375 $226,042
36 $12,708,333 $430,729 $222,396
37 $12,500,000 $427,083 $218,750
38 $12,291,667 $423,438 $215,104
39 $12,083,333 $419,792 $211,458
40 $11,875,000 $416,146 $207,813
41 $11,666,667 $412,500 $204,167
42 $11,458,333 $408,854 $200,521
43 $11,250,000 $405,208 $196,875
44 $11,041,667 $401,563 $193,229
45 $10,833,333 $397,917 $189,583
46 $10,625,000 $394,271 $185,938
47 $10,416,667 $390,625 $182,292
48 $10,208,333 $386,979 $178,646
49 $10,000,000 $383,333 $175,000
50 $9,791,667 $379,688 $171,354
51 $9,583,333 $376,042 $167,708
52 $9,375,000 $372,396 $164,063
53 $9,166,667 $368,750 $160,417
54 $8,958,333 $365,104 $156,771
55 $8,750,000 $361,458 $153,125
56 $8,541,667 $357,813 $149,479
57 $8,333,333 $354,167 $145,833
58 $8,125,000 $350,521 $142,188
59 $7,916,667 $346,875 $138,542
60 $7,708,333 $343,229 $134,896
61 $7,500,000 $339,583 $131,250
62 $7,291,667 $335,938 $127,604
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63 $7,083,333 $332,292 $123,958
64 $6,875,000 $328,646 $120,313
65 $6,666,667 $325,000 $116,667
66 $6,458,333 $321,354 $113,021
67 $6,250,000 $317,708 $109,375
68 $6,041,667 $314,063 $105,729
69 $5,833,333 $310,417 $102,083
70 $5,625,000 $306,771 $98,438
71 $5,416,667 $303,125 $94,792
72 $5,208,333 $299,479 $91,146
73 $5,000,000 $295,833 $87,500
74 $4,791,667 $292,188 $83,854
75 $4,583,333 $288,542 $80,208
76 $4,375,000 $284,896 $76,563
77 $4,166,667 $281,250 $72,917
78 $3,958,333 $277,604 $69,271
79 $3,750,000 $273,958 $65,625
80 $3,541,667 $270,313 $61,979
81 $3,333,333 $266,667 $58,333
82 $3,125,000 $263,021 $54,688
83 $2,916,667 $259,375 $51,042
84 $2,708,333 $255,729 $47,396
85 $2,500,000 $252,083 $43,750
86 $2,291,667 $248,438 $40,104
87 $2,083,333 $244,792 $36,458
88 $1,875,000 $241,146 $32,813
89 $1,666,667 $237,500 $29,167
90 $1,458,333 $233,854 $25,521
91 $1,250,000 $230,208 $21,875
92 $1,041,667 $226,563 $18,229
93 $833,333 $222,917 $14,583
94 $625,000 $219,271 $10,938
95 $416,667 $215,625 $7,292
96 $208,333 $211,979 $3,646
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Abono Saldo Final
$208,333 $19,791,667
$208,333 $19,583,333
$208,333 $19,375,000
$208,333 $19,166,667
$208,333 $18,958,333
$208,333 $18,750,000
$208,333 $18,541,667
$208,333 $18,333,333
$208,333 $18,125,000
$208,333 $17,916,667
$208,333 $17,708,333
$208,333 $17,500,000
$208,333 $17,291,667
$208,333 $17,083,333
$208,333 $16,875,000
$208,333 $16,666,667
$208,333 $16,458,333
$208,333 $16,250,000
 Se plantea la 
• Alternativa 1:
• Alternativa 2:
NTE A CAPITAL
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$208,333 $16,041,667
$208,333 $15,833,333
$208,333 $15,625,000
$208,333 $15,416,667
$208,333 $15,208,333
$208,333 $15,000,000
$208,333 $14,791,667
$208,333 $14,583,333
$208,333 $14,375,000
$208,333 $14,166,667
$208,333 $13,958,333
$208,333 $13,750,000
$208,333 $13,541,667
$208,333 $13,333,333
$208,333 $13,125,000
$208,333 $12,916,667
$208,333 $12,708,333
$208,333 $12,500,000
$208,333 $12,291,667
$208,333 $12,083,333
$208,333 $11,875,000
$208,333 $11,666,667
$208,333 $11,458,333
$208,333 $11,250,000
$208,333 $11,041,667
$208,333 $10,833,333
$208,333 $10,625,000
$208,333 $10,416,667
$208,333 $10,208,333
$208,333 $10,000,000
$208,333 $9,791,667
$208,333 $9,583,333
$208,333 $9,375,000
$208,333 $9,166,667
$208,333 $8,958,333
$208,333 $8,750,000
$208,333 $8,541,667
$208,333 $8,333,333
$208,333 $8,125,000
$208,333 $7,916,667
$208,333 $7,708,333
$208,333 $7,500,000
$208,333 $7,291,667
$208,333 $7,083,333
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$208,333 $6,875,000
$208,333 $6,666,667
$208,333 $6,458,333
$208,333 $6,250,000
$208,333 $6,041,667
$208,333 $5,833,333
$208,333 $5,625,000
$208,333 $5,416,667
$208,333 $5,208,333
$208,333 $5,000,000
$208,333 $4,791,667
$208,333 $4,583,333
$208,333 $4,375,000
$208,333 $4,166,667
$208,333 $3,958,333
$208,333 $3,750,000
$208,333 $3,541,667
$208,333 $3,333,333
$208,333 $3,125,000
$208,333 $2,916,667
$208,333 $2,708,333
$208,333 $2,500,000
$208,333 $2,291,667
$208,333 $2,083,333
$208,333 $1,875,000
$208,333 $1,666,667
$208,333 $1,458,333
$208,333 $1,250,000
$208,333 $1,041,667
$208,333 $833,333
$208,333 $625,000
$208,333 $416,667
$208,333 $208,333
$208,333 $0
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Capital (P) $28,000,000
Tasa (i) 1.53%
Plazo 84
Periodo Gracia 12
Periodo Abono (na) 72
Cuota (A) $644,510
Decisión
No. de Cuota Saldo Inicial Cuota
1 $28,000,000 $428,665
2 $28,000,000 $428,665
3 $28,000,000 $428,665
4 $28,000,000 $428,665
5 $28,000,000 $428,665
6 $28,000,000 $428,665
7 $28,000,000 $428,665
8 $28,000,000 $428,665
9 $28,000,000 $428,665
10 $28,000,000 $428,665
11 $28,000,000 $428,665
12 $28,000,000 $428,665
TABLA DE AMORTIZACIÓN DE CUOTA FIJ
Una empresa acude a un establecimiento de crédito a solicitar fin
incertidumbre sobre la aceptación del producto en dicho mercado y 
flexibilizar los pagos:
• Alternativa 1: Periodo de gracia de 1 año y un plazo total de 7 añ
• Alternativa 2: Periodo muerto de 12 meses y un plazo total d
A partir de la estructuración de los planes de pago, para cada un
Dada la incertidumbre que hay por la aceptación o no del
esta puedan tener un plazo de hasta 1 año de realizar el
como en caso de fracaso, igual tener presentes y con buen 
ALTERNATIVA 1
𝐴
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13 $28,000,000 $644,510
14 $27,784,155 $644,510
15 $27,565,005 $644,510
16 $27,342,500 $644,510
17 $27,116,589 $644,510
18 $26,887,219 $644,510
19 $26,654,338 $644,510
20 $26,417,891 $644,510
21 $26,177,825 $644,510
22 $25,934,083 $644,510
23 $25,686,610 $644,510
24 $25,435,348 $644,510
25 $25,180,239 $644,510
26 $24,921,225 $644,510
27 $24,658,245 $644,510
28 $24,391,239 $644,510
29 $24,120,146 $644,510
30 $23,844,902 $644,510
31 $23,565,445 $644,510
32 $23,281,709 $644,510
33 $22,993,629 $644,510
34 $22,701,139 $644,510
35 $22,404,171 $644,510
36 $22,102,656 $644,510
37 $21,796,526 $644,510
38 $21,485,709 $644,510
39 $21,170,133 $644,510
40$20,849,726 $644,510
41 $20,524,414 $644,510
42 $20,194,122 $644,510
43 $19,858,773 $644,510
44 $19,518,290 $644,510
45 $19,172,594 $644,510
46 $18,821,606 $644,510
47 $18,465,244 $644,510
48 $18,103,427 $644,510
49 $17,736,070 $644,510
50 $17,363,090 $644,510
51 $16,984,399 $644,510
52 $16,599,911 $644,510
53 $16,209,536 $644,510
54 $15,813,185 $644,510
55 $15,410,766 $644,510
56 $15,002,187 $644,510
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57 $14,587,352 $644,510
58 $14,166,166 $644,510
59 $13,738,532 $644,510
60 $13,304,351 $644,510
61 $12,863,524 $644,510
62 $12,415,947 $644,510
63 $11,961,518 $644,510
64 $11,500,132 $644,510
65 $11,031,683 $644,510
66 $10,556,062 $644,510
67 $10,073,159 $644,510
68 $9,582,863 $644,510
69 $9,085,061 $644,510
70 $8,579,638 $644,510
71 $8,066,478 $644,510
72 $7,545,461 $644,510
73 $7,016,467 $644,510
74 $6,479,375 $644,510
75 $5,934,061 $644,510
76 $5,380,398 $644,510
77 $4,818,258 $644,510
78 $4,247,513 $644,510
79 $3,668,030 $644,510
80 $3,079,675 $644,510
81 $2,482,313 $644,510
82 $1,875,805 $644,510
83 $1,260,012 $644,510
84 $634,792 $644,510
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$28,000,000
1.53%
84
12
72
$33,600,000
$773,412
Interés Abono Saldo Final
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
$428,665 $0 $28,000,000
UOTA FIJA CON PERIODO DE GRACIA
Diligencie, únicamente, las celdas en color amarillo. ed
ar financiamiento con la finalidad de llevar a cabo un proyecto de expansión geográfica
rcado y no se tiene certeza sobre la capacidad de responder por la obligación finan
• Alternativa 1: al de 7 años. La tasa de interés periódica está dada a continuación.
• Alternativa 2: tal de 7 años. La tasa de interés periódica está dada a continuación
a una de las alternativas; deberá tomar la decisión teniendo en cuenta la incertidu
del producto en un nuevo mercado, lo mas conveniente para la empresa
ar el primer pago en lo que en ese año testean y llevan a flote su product
buen tiempo de plazo la primera cuota a dar de la deuda.
RNATIVA 1
𝐴 = 𝑷 1 + 𝑖 𝑛𝑎𝑖1 + 𝑖 𝑛𝑎 − 1
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$428,665 $215,845 $27,784,155
$425,361 $219,150 $27,565,005
$422,006 $222,505 $27,342,500
$418,599 $225,911 $27,116,589
$415,141 $229,370 $26,887,219
$411,629 $232,881 $26,654,338
$408,064 $236,447 $26,417,891
$404,444 $240,066 $26,177,825
$400,769 $243,742 $25,934,083
$397,037 $247,473 $25,686,610
$393,248 $251,262 $25,435,348
$389,402 $255,109 $25,180,239
$385,496 $259,014 $24,921,225
$381,531 $262,980 $24,658,245
$377,505 $267,006 $24,391,239
$373,417 $271,093 $24,120,146
$369,267 $275,244 $23,844,902
$365,053 $279,458 $23,565,445
$360,774 $283,736 $23,281,709
$356,431 $288,080 $22,993,629
$352,020 $292,490 $22,701,139
$347,542 $296,968 $22,404,171
$342,996 $301,514 $22,102,656
$338,380 $306,130 $21,796,526
$333,693 $310,817 $21,485,709
$328,935 $315,576 $21,170,133
$324,104 $320,407 $20,849,726
$319,198 $325,312 $20,524,414
$314,218 $330,292 $20,194,122
$309,161 $335,349 $19,858,773
$304,027 $340,483 $19,518,290
$298,815 $345,696 $19,172,594
$293,522 $350,988 $18,821,606
$288,149 $356,362 $18,465,244
$282,693 $361,817 $18,103,427
$277,154 $367,357 $17,736,070
$271,530 $372,981 $17,363,090
$265,820 $378,691 $16,984,399
$260,022 $384,488 $16,599,911
$254,136 $390,375 $16,209,536
$248,159 $396,351 $15,813,185
$242,091 $402,419 $15,410,766
$235,931 $408,580 $15,002,187
$229,676 $414,835 $14,587,352
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$223,325 $421,186 $14,166,166
$216,877 $427,634 $13,738,532
$210,330 $434,181 $13,304,351
$203,683 $440,828 $12,863,524
$196,934 $447,577 $12,415,947
$190,082 $454,429 $11,961,518
$183,125 $461,386 $11,500,132
$176,061 $468,449 $11,031,683
$168,889 $475,621 $10,556,062
$161,608 $482,903 $10,073,159
$154,215 $490,296 $9,582,863
$146,709 $497,802 $9,085,061
$139,087 $505,423 $8,579,638
$131,350 $513,161 $8,066,478
$123,494 $521,017 $7,545,461
$115,517 $528,993 $7,016,467
$107,418 $537,092 $6,479,375
$99,196 $545,315 $5,934,061
$90,847 $553,663 $5,380,398
$82,371 $562,139 $4,818,258
$73,765 $570,745 $4,247,513
$65,027 $579,483 $3,668,030
$56,156 $588,355 $3,079,675
$47,148 $597,362 $2,482,313
$38,003 $606,508 $1,875,805
$28,718 $615,793 $1,260,012
$19,290 $625,220 $634,792
$9,718 $634,792 $0
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Deuda (D)
Tasa (i)
Plazo (n)
Periodo Muerto (nm)
Periodo Abono (na)
Capital (P)
Cuota (A)
No. de Cuota Saldo Inicial Cuota Interés
1 $28,000,000 $0 $428,665
2 $28,428,665 $0 $435,228
3 $28,863,893 $0 $441,891
4 $29,305,784 $0 $448,656
5 $29,754,440 $0 $455,525
6 $30,209,965 $0 $462,499
7 $30,672,463 $0 $469,579
8 $31,142,042 $0 $476,768
9 $31,618,811 $0 $484,067
10 $32,102,878 $0 $491,478
11 $32,594,356 $0 $499,002
12 $33,093,358 $0 $506,642
TABLA DE AMORTIZACIÓN CON PERIODO MUERT
. edite las celdas de color blanco
eográfica e incursionar en el mercado peruano. No obstante, hoy afronta un nivel importan
 financiera a corto plazo. Por tanto, solicita financiamiento a cuota fija con dos posibilidad
• Alternativa 1: 
• Alternativa 2: 
certidumbre sobre la generación de flujo de caja, por parte de la empresa, a corto plazo.
resa en este caso es ir por la alternativa 2, haciendo que con
ducto con suficiente tiempo de preparación e inversión, asi
ALTERNATIVA 2
𝑷 = 𝐷 1 + 𝑖 (𝑛𝑚)
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13 $33,600,000 $773,412 $514,398
14 $33,340,986 $773,412 $510,433
15 $33,078,006 $773,412 $506,407
16 $32,811,000 $773,412 $502,319
17 $32,539,907 $773,412 $498,169
18 $32,264,663 $773,412 $493,955
19 $31,985,206 $773,412 $489,677
20 $31,701,470 $773,412 $485,333
21 $31,413,390 $773,412 $480,922
22 $31,120,900 $773,412 $476,444
23 $30,823,932 $773,412 $471,898
24 $30,522,417 $773,412 $467,282
25 $30,216,287 $773,412 $462,595
26 $29,905,470 $773,412 $457,837
27 $29,589,894 $773,412 $453,006
28 $29,269,487 $773,412 $448,100
29 $28,944,175 $773,412 $443,120
30 $28,613,883 $773,412 $438,063
31 $28,278,534 $773,412 $432,929
32 $27,938,051 $773,412 $427,717
33 $27,592,355 $773,412 $422,424
34 $27,241,367 $773,412 $417,051
35 $26,885,005 $773,412 $411,595
36 $26,523,188 $773,412 $406,056
37 $26,155,831 $773,412 $400,432
38 $25,782,851 $773,412 $394,722
39 $25,404,160 $773,412 $388,924
40 $25,019,672 $773,412 $383,038
41 $24,629,297 $773,412 $377,061
42 $24,232,946 $773,412 $370,994
43 $23,830,527 $773,412 $364,833
44 $23,421,948 $773,412 $358,578
45 $23,007,113 $773,412 $352,227
46 $22,585,927 $773,412 $345,779
47 $22,158,293 $773,412 $339,232
48 $21,724,112 $773,412 $332,585
49 $21,283,284 $773,412 $325,836
50 $20,835,708 $773,412 $318,984
51 $20,381,279 $773,412 $312,027
52 $19,919,893 $773,412 $304,963
53 $19,451,444 $773,412 $297,791
54 $18,975,822 $773,412 $290,510
55 $18,492,920 $773,412 $283,117
56 $18,002,624 $773,412 $275,611
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57 $17,504,822 $773,412 $267,990
58 $16,999,399 $773,412 $260,252
59 $16,486,239$773,412 $252,396
60 $15,965,222 $773,412 $244,419
61 $15,436,228 $773,412 $236,320
62 $14,899,136 $773,412 $228,098
63 $14,353,822 $773,412 $219,749
64 $13,800,159 $773,412 $211,273
65 $13,238,019 $773,412 $202,667
66 $12,667,274 $773,412 $193,929
67 $12,087,791 $773,412 $185,058
68 $11,499,436 $773,412 $176,050
69 $10,902,074 $773,412 $166,905
70 $10,295,566 $773,412 $157,620
71 $9,679,773 $773,412 $148,192
72 $9,054,553 $773,412 $138,620
73 $8,419,761 $773,412 $128,902
74 $7,775,250 $773,412 $119,035
75 $7,120,873 $773,412 $109,017
76 $6,456,477 $773,412 $98,845
77 $5,781,910 $773,412 $88,518
78 $5,097,016 $773,412 $78,033
79 $4,401,636 $773,412 $67,387
80 $3,695,610 $773,412 $56,578
81 $2,978,775 $773,412 $45,603
82 $2,250,966 $773,412 $34,461
83 $1,512,015 $773,412 $23,148
84 $761,750 $773,412 $11,662
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Abono Saldo Final
-$428,665 $28,428,665
-$435,228 $28,863,893
-$441,891 $29,305,784
-$448,656 $29,754,440
-$455,525 $30,209,965
-$462,499 $30,672,463
-$469,579 $31,142,042
-$476,768 $31,618,811
-$484,067 $32,102,878
-$491,478 $32,594,356
-$499,002 $33,093,358
-$506,642 $33,600,000
RIODO MUERTO
portante de 
idades para 
• Alternativa 1: 
• Alternativa 2: 
o.
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$259,014 $33,340,986
$262,980 $33,078,006
$267,006 $32,811,000
$271,093 $32,539,907
$275,244 $32,264,663
$279,458 $31,985,206
$283,736 $31,701,470
$288,080 $31,413,390
$292,490 $31,120,900
$296,968 $30,823,932
$301,514 $30,522,417
$306,130 $30,216,287
$310,817 $29,905,470
$315,576 $29,589,894
$320,407 $29,269,487
$325,312 $28,944,175
$330,292 $28,613,883
$335,349 $28,278,534
$340,483 $27,938,051
$345,696 $27,592,355
$350,988 $27,241,367
$356,362 $26,885,005
$361,817 $26,523,188
$367,357 $26,155,831
$372,981 $25,782,851
$378,691 $25,404,160
$384,488 $25,019,672
$390,375 $24,629,297
$396,351 $24,232,946
$402,419 $23,830,527
$408,580 $23,421,948
$414,835 $23,007,113
$421,186 $22,585,927
$427,634 $22,158,293
$434,181 $21,724,112
$440,828 $21,283,284
$447,577 $20,835,708
$454,429 $20,381,279
$461,386 $19,919,893
$468,449 $19,451,444
$475,621 $18,975,822
$482,903 $18,492,920
$490,296 $18,002,624
$497,802 $17,504,822
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$505,423 $16,999,399
$513,161 $16,486,239
$521,017 $15,965,222
$528,993 $15,436,228
$537,092 $14,899,136
$545,315 $14,353,822
$553,663 $13,800,159
$562,139 $13,238,019
$570,745 $12,667,274
$579,483 $12,087,791
$588,355 $11,499,436
$597,362 $10,902,074
$606,508 $10,295,566
$615,793 $9,679,773
$625,220 $9,054,553
$634,792 $8,419,761
$644,510 $7,775,250
$654,378 $7,120,873
$664,396 $6,456,477
$674,567 $5,781,910
$684,895 $5,097,016
$695,380 $4,401,636
$706,026 $3,695,610
$716,835 $2,978,775
$727,809 $2,250,966
$738,951 $1,512,015
$750,264 $761,750
$761,750 $0
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Capital (P) $48,000,000
Tasa (i) 3.93%
Plazo (n) 57
Gradiente Arimét. $48,000
Primera Cuota (A1) $1,241,362
Decisión
No. de Cuota Saldo Inicial Cuota
1 $48,000,000 $1,241,362
2 $48,643,602 $1,289,362
3 $49,264,479 $1,337,362
4 $49,861,737 $1,385,362
5 $50,434,450 $1,433,362
6 $50,981,653 $1,481,362
7 $51,502,345 $1,529,362
8 $51,995,485 $1,577,362
9 $52,459,990 $1,625,362
10 $52,894,736 $1,673,362
11 $53,298,555 $1,721,362
12 $53,670,232 $1,769,362
13 $54,008,505 $1,817,362
TABLA DE AMORTIZACIÓN DE CUOTA VA
Una empresa requiere solicitar financiación para llevar a cabo un
establecimiento de crédito que le ofrece dos alternativas de finan
• Alternativa 1: Una cuota que se va incrementando constant
• Alternativa 2: Una cuota que se va reduciendo en un 2 % c
El gerente financiero considera que no habrá inconveniente en afro
lo único que le preocupa al directivo financiero es el costo del fin
Tal como describe y requiere el gerente, la alternativa mas
permitir, y haciendo que el valor a pagar final en el total s
ALTERNATIVA 1
𝐴1 = 𝑷 −
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14 $54,312,062 $1,865,362
15 $54,579,539 $1,913,362
16 $54,809,520 $1,961,362
17 $55,000,533 $2,009,362
18 $55,151,047 $2,057,362
19 $55,259,471 $2,105,362
20 $55,324,153 $2,153,362
21 $55,343,375 $2,201,362
22 $55,315,353 $2,249,362
23 $55,238,229 $2,297,362
24 $55,110,077 $2,345,362
25 $54,928,893 $2,393,362
26 $54,692,593 $2,441,362
27 $54,399,014 $2,489,362
28 $54,045,906 $2,537,362
29 $53,630,932 $2,585,362
30 $53,151,661 $2,633,362
31 $52,605,569 $2,681,362
32 $51,990,033 $2,729,362
33 $51,302,324 $2,777,362
34 $50,539,609 $2,825,362
35 $49,698,941 $2,873,362
36 $48,777,261 $2,921,362
37 $47,771,387 $2,969,362
38 $46,678,011 $3,017,362
39 $45,493,699 $3,065,362
40 $44,214,878 $3,113,362
41 $42,837,839 $3,161,362
42 $41,358,722 $3,209,362
43 $39,773,521 $3,257,362
44 $38,078,069 $3,305,362
45 $36,268,036 $3,353,362
46 $34,338,923 $3,401,362
47 $32,286,054 $3,449,362
48 $30,104,568 $3,497,362
49 $27,789,415 $3,545,362
50 $25,335,346 $3,593,362
51 $22,736,905 $3,641,362
52 $19,988,424 $3,689,362
53 $17,084,009 $3,737,362
54 $14,017,538 $3,785,362
55 $10,782,646 $3,833,362
56 $7,372,720 $3,881,362
57 $3,780,886 $3,929,362
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$48,000,000
3.93%
57
2%
$2,948,716
Interés Abono Saldo Final
$1,884,964 -$643,602 $48,643,602
$1,910,238 -$620,877 $49,264,479
$1,934,620 -$597,258 $49,861,737
$1,958,074 -$572,713 $50,434,450
$1,980,565 -$547,203 $50,981,653
$2,002,054 -$520,692 $51,502,345
$2,022,501 -$493,140 $51,995,485
$2,041,867 -$464,505 $52,459,990
$2,060,108 -$434,746 $52,894,736
$2,077,181 -$403,819 $53,298,555
$2,093,039 -$371,677 $53,670,232
$2,107,634 -$338,273 $54,008,505
$2,120,918 -$303,557 $54,312,062
A VARIABLE (AUMENTO CONSTANTE)
 Diligencie, únicamente, las celdas en color amarillo.
o un proceso de actualización tecnológico de su sistema de planificación de recurso
 financiación, cuyas características se enuncian a continuación:
• Alternativa 1: stantemente (bimestral) en un 0,1% del valor del préstamo y un plazo de 9,5 años.
• Alternativa 2: 2 % cada bimestre y un plazo de 9,5 años. La tasa de interés periódica está dada a
 en afrontar el compromiso con el establecimiento de crédito y que, incluso, podría h
el financiamiento. Con esta premisa en mente, debe tomar la decisión correspondient
iva mas conveniente es la 2. Haciendo un pago considerable en la prime
tal sea mucho menor con diferencia.
RNATIVA 1
𝑷 − 𝑔𝑖 1 + 𝑖 𝑛 − 1𝑖 1 + 𝑖 𝑛 − 𝑛1 + 𝑖 𝑛1 + 𝑖 𝑛 − 1𝑖 1 + 𝑖 𝑛
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$2,132,839 -$267,477 $54,579,539
$2,143,343 -$229,981 $54,809,520
$2,152,374 -$191,013 $55,000,533
$2,159,875 -$150,514 $55,151,047
$2,165,786 -$108,424 $55,259,471
$2,170,044 -$64,682 $55,324,153
$2,172,584 -$19,222 $55,343,375
$2,173,339 $28,023 $55,315,353
$2,172,238 $77,123 $55,238,229
$2,169,210 $128,152 $55,110,077
$2,164,177 $181,184 $54,928,893
$2,157,062 $236,300 $54,692,593
$2,147,782 $293,579$54,399,014
$2,136,254 $353,108 $54,045,906
$2,122,387 $414,975 $53,630,932
$2,106,091 $479,271 $53,151,661
$2,087,270 $546,092 $52,605,569
$2,065,825 $615,537 $51,990,033
$2,041,653 $687,709 $51,302,324
$2,014,646 $762,715 $50,539,609
$1,984,694 $840,667 $49,698,941
$1,951,681 $921,680 $48,777,261
$1,915,487 $1,005,875 $47,771,387
$1,875,986 $1,093,375 $46,678,011
$1,833,049 $1,184,312 $45,493,699
$1,786,541 $1,278,820 $44,214,878
$1,736,322 $1,377,040 $42,837,839
$1,682,245 $1,479,116 $41,358,722
$1,624,160 $1,585,201 $39,773,521
$1,561,909 $1,695,452 $38,078,069
$1,495,329 $1,810,033 $36,268,036
$1,424,249 $1,929,113 $34,338,923
$1,348,492 $2,052,869 $32,286,054
$1,267,876 $2,181,486 $30,104,568
$1,182,209 $2,315,153 $27,789,415
$1,091,293 $2,454,069 $25,335,346
$994,921 $2,598,441 $22,736,905
$892,880 $2,748,482 $19,988,424
$784,947 $2,904,415 $17,084,009
$670,890 $3,066,471 $14,017,538
$550,470 $3,234,892 $10,782,646
$423,435 $3,409,926 $7,372,720
$289,527 $3,591,834 $3,780,886
$148,476 $3,780,886 $0
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Capital (P)
Tasa (i)
Plazo (n)
Gradiente Geomé.
Primera Cuota (A1)
No. de Cuota Saldo Inicial Cuota Interés
1 $48,000,000 $2,948,716 $1,884,964
2 $46,936,247 $2,889,742 $1,843,190
3 $45,889,695 $2,831,947 $1,802,092
4 $44,859,840 $2,775,308 $1,761,649
5 $43,846,181 $2,719,802 $1,721,843
6 $42,848,222 $2,665,406 $1,682,653
7 $41,865,469 $2,612,098 $1,644,060
8 $40,897,431 $2,559,856 $1,606,045
9 $39,943,621 $2,508,659 $1,568,589
10 $39,003,551 $2,458,486 $1,531,673
11 $38,076,738 $2,409,316 $1,495,277
12 $37,162,698 $2,361,130 $1,459,382
13 $36,260,951 $2,313,907 $1,423,970
TABLA DE AMORTIZACIÓN CUOTA VARIABLE (REDUCCIÓN V
lo.
cursos empresariales (ERP, Enterprise Resource Planning). Para los fines correspondient
• Alternativa 1: 9,5 años. La tasa de interés periódica está dada a continuación.
• Alternativa 2: ada a continuación.
dría hacerse un abono anticipado para amortizar completamente la deuda en el corto p
ondiente:
primera cuota aligerando la deuda dado que se lo pueden
ALTERNATIVA 2
𝐴1 = 𝑷 𝐺 + 𝑖1 − 1 − 𝐺 𝑛 1
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14 $35,371,014 $2,267,629 $1,389,023
15 $34,492,407 $2,222,276 $1,354,520
16 $33,624,651 $2,177,831 $1,320,443
17 $32,767,263 $2,134,274 $1,286,773
18 $31,919,761 $2,091,589 $1,253,492
19 $31,081,664 $2,049,757 $1,220,579
20 $30,252,487 $2,008,762 $1,188,018
21 $29,431,742 $1,968,587 $1,155,787
22 $28,618,942 $1,929,215 $1,123,868
23 $27,813,596 $1,890,631 $1,092,242
24 $27,015,207 $1,852,818 $1,060,889
25 $26,223,279 $1,815,762 $1,029,790
26 $25,437,307 $1,779,446 $998,925
27 $24,656,786 $1,743,857 $968,274
28 $23,881,202 $1,708,980 $937,817
29 $23,110,039 $1,674,801 $907,533
30 $22,342,771 $1,641,305 $877,402
31 $21,578,869 $1,608,479 $847,404
32 $20,817,794 $1,576,309 $817,516
33 $20,059,002 $1,544,783 $787,719
34 $19,301,937 $1,513,887 $757,989
35 $18,546,039 $1,483,609 $728,304
36 $17,790,734 $1,453,937 $698,644
37 $17,035,440 $1,424,859 $668,983
38 $16,279,565 $1,396,361 $639,300
39 $15,522,503 $1,368,434 $609,570
40 $14,763,639 $1,341,065 $579,769
41 $14,002,343 $1,314,244 $549,873
42 $13,237,972 $1,287,959 $519,856
43 $12,469,869 $1,262,200 $489,693
44 $11,697,362 $1,236,956 $459,356
45 $10,919,762 $1,212,217 $428,820
46 $10,136,365 $1,187,973 $398,056
47 $9,346,448 $1,164,213 $367,036
48 $8,549,271 $1,140,929 $335,731
49 $7,744,072 $1,118,110 $304,110
50 $6,930,072 $1,095,748 $272,144
51 $6,106,469 $1,073,833 $239,802
52 $5,272,437 $1,052,356 $207,049
53 $4,427,130 $1,031,309 $173,854
54 $3,569,674 $1,010,683 $140,181
55 $2,699,172 $990,469 $105,997
56 $1,814,700 $970,660 $71,263
57 $915,303 $951,247 $35,944
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Abono Saldo Final
$1,063,753 $46,936,247
$1,046,552 $45,889,695
$1,029,855 $44,859,840
$1,013,659 $43,846,181
$997,959 $42,848,222
$982,753 $41,865,469
$968,038 $40,897,431
$953,811 $39,943,621
$940,070 $39,003,551
$926,813 $38,076,738
$914,040 $37,162,698
$901,748 $36,260,951
$889,937 $35,371,014
DUCCIÓN VARIABLE)
ndientes, acude a un 
• Alternativa 1:
• Alternativa 2: 
corto plazo. Por tanto, 𝑖1 + 𝑖 −𝑛
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$878,606 $34,492,407
$867,757 $33,624,651
$857,388 $32,767,263
$847,501 $31,919,761
$838,097 $31,081,664
$829,178 $30,252,487
$820,744 $29,431,742
$812,800 $28,618,942
$805,347 $27,813,596
$798,388 $27,015,207
$791,929 $26,223,279
$785,971 $25,437,307
$780,521 $24,656,786
$775,584 $23,881,202
$771,164 $23,110,039
$767,268 $22,342,771
$763,902 $21,578,869
$761,075 $20,817,794
$758,793 $20,059,002
$757,064 $19,301,937
$755,899 $18,546,039
$755,305 $17,790,734
$755,294 $17,035,440
$755,875 $16,279,565
$757,062 $15,522,503
$758,864 $14,763,639
$761,296 $14,002,343
$764,371 $13,237,972
$768,103 $12,469,869
$772,507 $11,697,362
$777,600 $10,919,762
$783,397 $10,136,365
$789,917 $9,346,448
$797,177 $8,549,271
$805,198 $7,744,072
$814,000 $6,930,072
$823,604 $6,106,469
$834,032 $5,272,437
$845,307 $4,427,130
$857,456 $3,569,674
$870,502 $2,699,172
$884,473 $1,814,700
$899,397 $915,303
$915,303 $0
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Decisión
Capital (P) $45,000,000
Tasa Fija (if) 2.17%
Plazo (n) 120
IPC Mes Anterior 100.380
Variación Mes Anterior (∆i) 0.21%
Tasa del Mes (i) 2.38%
No. de Cuota IPC Mes Anterior
1 100.59
2 101.13
3 101.64
4 102.06
5 102.42
6 102.70
7 102.89
8 103.08
9 103.24
10 103.41
11 103.59
12 103.86
Una empresa del sector turístico desea ampliar su infraestruct
• Alternativa 1: Financiación de cuota fija mensual con tasa
• Alternativa 2: Financiación de cuota fija mensual en UVR
Debe construir las tablas de amortización correspondientes 
Lo mas conveniente para la empresa en razon del costo de financiamiento es to
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13 104.33
14 104.90
15 105.39
16 105.53
17 105.34
18 105.10
19 104.97
20 105.07
21 105.16
22 105.20
23 105.26
24 105.49
25 105.99
26 106.54
27 105.13
28 103.21
29 104.04
30 102.06
31 102.42
32 102.70
33 102.89
34 103.08
35 103.24
36 103.41
37 105.34
38 105.10
39 104.97
40 105.07
41 105.16
42 105.20
43 105.26
44 105.49
45 105.99
46 106.54
47 100.59
48 101.13
49 101.64
50 102.06
51 102.42
52 102.70
53 103.24
54 103.41
55 105.34
56 105.10
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57 104.97
58 105.07
59 105.16
60 102.70
61 103.24
62 103.41
63 105.34
64 105.10
65 104.97
66 105.07
67 105.16
68 102.70
69 103.24
70 103.41
71 105.34
72 105.10
73 104.97
74 105.07
75 105.16
76 107.15
77 107.34
78 107.4279 107.31
80 107.36
81 107.36
82 107.34
83 104.73
84 104.86
85 104.97
86 105.07
87 105.16
88 105.25
89 105.32
90 105.40
91 105.47
92 105.53
93 105.60
94 105.66
95 105.71
96 104.73
97 104.86
98 104.97
99 105.07
100 105.16
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101 105.25
102 105.32
103 105.40
104 105.47
105 105.53
106 105.60
107 105.66
108 105.71
109 107.15
110 107.34
111 107.42
112 107.31
113 107.36
114 107.36
115 107.34
116 107.34
117 107.15
118 107.34
119 107.42
120 107.31
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Costo Periódico
Variación Mes Ant Tasa del Mes Saldo Inicial Cuota
Deuda -$45,000,000
0.21% 2.38% $45,000,000 $1,140,198
0.54% 2.72% $44,932,511 $1,272,468
0.50% 2.68% $44,880,011 $1,257,705
0.41% 2.59% $44,824,422 $1,221,853
0.36% 2.53% $44,763,003 $1,198,716
0.27% 2.44% $44,696,961 $1,163,067
0.19% 2.36% $44,624,193 $1,133,301
0.18% 2.35% $44,545,058 $1,128,085
0.16% 2.33% $44,463,204 $1,120,412
0.16% 2.33% $44,378,143 $1,122,815
0.17% 2.34% $44,291,513 $1,126,442
0.26% 2.43% $44,203,487 $1,159,879
fraestructura de locaciones de alojamiento; para lo cual planea tomar un crédito a largo
• Alternativa 1: n tasa indexada a IPC, la cual se propone a continuación, por un plazo de 10 años.
• Alternativa 2: en UVR más la tasa fija, la cual se propone a continuación, por un plazo de 10 años. Te
ientes y tomar una decisión en razón del costo de financiamiento.
 es tomar la alternativa 1 dado que el costo a pagar por intereses es mucho menor a la segunda opción, reducien
ALTERNATIVA 1
TABLA DE AMORTIZACIÓN CUOTA FIJA CON TASA INDEXADA
𝐴 = 𝑃𝐴𝐺𝑂(𝑖; 𝑛𝑖 = 1 + ∆𝑖 1 + if − 1𝐴 = 𝑃𝐴𝐺𝑂(𝑖; 𝑛𝑖 = 1 + ∆𝑖 1 + if − 1
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0.45% 2.63% $44,119,059 $1,233,516
0.55% 2.73% $44,043,988 $1,274,306
0.46% 2.64% $43,972,698 $1,239,387
0.13% 2.30% $43,894,471 $1,112,553
-0.18% 1.99% $43,792,537 $998,919
-0.23% 1.93% $43,663,316 $979,666
-0.13% 2.04% $43,526,645 $1,016,636
0.10% 2.27% $43,396,671 $1,099,151
0.08% 2.25% $43,282,836 $1,092,183
0.04% 2.21% $43,164,922 $1,076,154
0.06% 2.23% $43,040,782 $1,084,092
0.22% 2.39% $42,915,714 $1,139,938
0.47% 2.65% $42,800,031 $1,234,766
0.52% 2.69% $42,699,857 $1,250,255
-1.32% 0.82% $42,599,771 $651,216
-1.83% 0.30% $42,296,894 $522,058
0.80% 2.99% $41,902,059 $1,341,504
-1.90% 0.22% $41,812,705 $508,034
0.36% 2.53% $41,397,628 $1,171,070
0.27% 2.44% $41,274,076 $1,140,307
0.19% 2.36% $41,140,573 $1,114,705
0.18% 2.35% $40,997,740 $1,110,232
0.16% 2.33% $40,850,424 $1,103,670
0.16% 2.33% $40,697,980 $1,105,719
1.87% 4.08% $40,542,518 $1,712,512
-0.23% 1.93% $40,482,826 $982,515
-0.13% 2.04% $40,281,901 $1,014,746
0.10% 2.27% $40,087,719 $1,086,485
0.08% 2.25% $39,911,421 $1,080,442
0.04% 2.21% $39,729,360 $1,066,576
0.06% 2.23% $39,539,026 $1,073,425
0.22% 2.39% $39,346,600 $1,121,483
0.47% 2.65% $39,164,189 $1,202,894
0.52% 2.69% $38,999,505 $1,216,162
-5.58% -3.53% $38,833,838 $103,003
0.54% 2.72% $37,358,883 $1,181,492
0.50% 2.68% $37,191,727 $1,170,739
0.41% 2.59% $37,017,172 $1,144,790
0.36% 2.53% $36,830,699 $1,128,151
0.27% 2.44% $36,634,504 $1,102,681
0.53% 2.71% $36,425,454 $1,177,594
0.16% 2.33% $36,233,968 $1,075,021
1.87% 4.08% $36,004,974 $1,580,964
-0.23% 1.93% $35,891,845 $973,967
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-0.13% 2.04% $35,610,832 $1,000,709
0.10% 2.27% $35,335,535 $1,059,923
0.08% 2.25% $35,077,900 $1,054,958
-2.34% -0.23% $34,812,524 $531,526
0.53% 2.71% $34,202,130 $1,159,352
0.16% 2.33% $33,968,697 $1,066,344
1.87% 4.08% $33,695,488 $1,523,792
-0.23% 1.93% $33,545,378 $975,699
-0.13% 2.04% $33,217,330 $999,880
0.10% 2.27% $32,894,105 $1,053,234
0.08% 2.25% $32,587,728 $1,048,774
-2.34% -0.23% $32,272,483 $572,400
0.53% 2.71% $31,626,970 $1,140,569
0.16% 2.33% $31,342,605 $1,057,798
1.87% 4.08% $31,016,625 $1,462,860
-0.23% 1.93% $30,818,237 $978,289
-0.13% 2.04% $30,434,946 $999,731
0.10% 2.27% $30,055,191 $1,046,825
0.08% 2.25% $29,690,766 $1,042,904
1.90% 4.10% $29,316,182 $1,438,419
0.18% 2.35% $29,080,682 $1,067,355
0.07% 2.24% $28,696,399 $1,046,069
-0.11% 2.06% $28,292,518 $1,012,804
0.05% 2.22% $27,862,155 $1,041,226
0.00% 2.17% $27,438,081 $1,033,249
-0.02% 2.15% $27,000,369 $1,029,321
-2.43% -0.32% $26,551,021 $656,493
0.12% 2.29% $25,810,620 $1,041,698
0.11% 2.28% $25,359,732 $1,039,670
0.10% 2.26% $24,897,411 $1,037,795
0.09% 2.26% $24,423,518 $1,036,315
0.08% 2.25% $23,938,053 $1,035,086
0.07% 2.24% $23,440,931 $1,034,248
0.07% 2.24% $22,932,148 $1,033,735
0.07% 2.23% $22,411,655 $1,033,277
0.06% 2.23% $21,879,239 $1,032,899
0.06% 2.23% $21,334,694 $1,032,496
0.06% 2.23% $20,777,747 $1,032,058
0.05% 2.22% $20,208,111 $1,031,295
-0.93% 1.22% $19,625,317 $915,281
0.12% 2.29% $18,949,001 $1,034,955
0.11% 2.28% $18,347,792 $1,033,576
0.10% 2.26% $17,731,929 $1,032,319
0.09% 2.26% $17,101,221 $1,031,344
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0.08% 2.25% $16,455,579 $1,030,548
0.07% 2.24% $15,794,841 $1,030,015
0.07% 2.24% $15,118,892 $1,029,695
0.07% 2.23% $14,427,571 $1,029,416
0.06% 2.23% $13,720,585 $1,029,192
0.06% 2.23% $12,997,643 $1,028,959
0.06% 2.23% $12,258,401 $1,028,712
0.05% 2.22% $11,502,508 $1,028,297
1.36% 3.56% $10,729,498 $1,114,077
0.18% 2.35% $9,997,099 $1,041,862
0.07% 2.24% $9,190,057 $1,035,872
-0.11% 2.06% $8,359,847 $1,027,079
0.05% 2.22% $7,504,868 $1,034,004
0.00% 2.17% $6,637,098 $1,032,242
-0.02% 2.15% $5,748,913 $1,031,462
0.00% 2.17% $4,840,938 $1,032,019
-0.17% 1.99% $3,913,806 $1,027,563
0.18% 2.35% $2,964,056 $1,034,793
0.07% 2.24% $1,998,886 $1,033,116
-0.11% 2.06% $1,010,502 $1,031,305
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2.27% Costo Anual 30.96%
Interés Abono Saldo Final
$1,072,709 $67,489 $44,932,511
$1,219,968 $52,500 $44,880,011
$1,202,116 $55,589 $44,824,422
$1,160,434 $61,419 $44,763,003
$1,132,674 $66,042 $44,696,961
$1,090,300 $72,768 $44,624,193
$1,054,166 $79,136 $44,545,058
$1,046,232 $81,853 $44,463,204
$1,035,352 $85,061 $44,378,143
$1,036,185 $86,630 $44,291,513
$1,038,416 $88,026 $44,203,487
$1,075,452 $84,428 $44,119,059
 Diligencie, únicamente, las celdas en color amarillo.
rgo plazo, el cuál puede ser financiado en cuota fija con tasa de interés indexada a
• Alternativa 1: s.
• Alternativa 2: s. Tenga en cuenta un valor de UVR de 280 al inicio.
uciendo costos.
𝑛 − 𝑗 + 1;−𝑃; 0; 0)𝑛 − 𝑗 + 1;−𝑃; 0; 0)
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$1,158,445 $75,071 $44,043,988
$1,203,015 $71,291 $43,972,698
$1,161,160 $78,227 $43,894,471
$1,010,620 $101,933 $43,792,537
$869,698 $129,221 $43,663,316
$842,995 $136,671 $43,526,645
$886,662 $129,975 $43,396,671
$985,316 $113,835 $43,282,836
$974,269 $117,914 $43,164,922
$952,014 $124,140 $43,040,782
$959,023 $125,068 $42,915,714
$1,024,254 $115,684 $42,800,031
$1,134,592 $100,174 $42,699,857
$1,150,169 $100,086 $42,599,771
$348,338 $302,878 $42,296,894
$127,223 $394,835 $41,902,059
$1,252,149 $89,354 $41,812,705
$92,957 $415,077 $41,397,628
$1,047,517 $123,553 $41,274,076
$1,006,805 $133,502 $41,140,573$971,871 $142,833 $40,997,740
$962,916 $147,316 $40,850,424
$951,226 $152,444 $40,697,980
$950,257 $155,462 $40,542,518
$1,652,819 $59,692 $40,482,826
$781,590 $200,925 $40,281,901
$820,564 $194,182 $40,087,719
$910,187 $176,298 $39,911,421
$898,380 $182,062 $39,729,360
$876,242 $190,333 $39,539,026
$880,998 $192,426 $39,346,600
$939,072 $182,411 $39,164,189
$1,038,209 $164,684 $38,999,505
$1,050,496 $165,666 $38,833,838
-$1,371,952 $1,474,955 $37,358,883
$1,014,336 $167,157 $37,191,727
$996,184 $174,555 $37,017,172
$958,316 $186,473 $36,830,699
$931,957 $196,195 $36,634,504
$893,631 $209,050 $36,425,454
$986,108 $191,486 $36,233,968
$846,027 $228,994 $36,004,974
$1,467,835 $113,129 $35,891,845
$692,953 $281,013 $35,610,832
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$725,412 $275,297 $35,335,535
$802,289 $257,634 $35,077,900
$789,581 $265,377 $34,812,524
-$78,867 $610,393 $34,202,130
$925,919 $233,433 $33,968,697
$793,135 $273,209 $33,695,488
$1,373,682 $150,110 $33,545,378
$647,651 $328,048 $33,217,330
$676,655 $323,225 $32,894,105
$746,857 $306,378 $32,587,728
$733,529 $315,245 $32,272,483
-$73,113 $645,513 $31,626,970
$856,204 $284,365 $31,342,605
$731,818 $325,980 $31,016,625
$1,264,472 $198,388 $30,818,237
$594,999 $383,290 $30,434,946
$619,976 $379,755 $30,055,191
$682,400 $364,425 $29,690,766
$668,320 $374,584 $29,316,182
$1,202,919 $235,500 $29,080,682
$683,071 $384,284 $28,696,399
$642,189 $403,881 $28,292,518
$582,441 $430,363 $27,862,155
$617,151 $424,074 $27,438,081
$595,538 $437,712 $27,000,369
$579,973 $449,348 $26,551,021
-$83,908 $740,401 $25,810,620
$590,811 $450,887 $25,359,732
$577,348 $462,321 $24,897,411
$563,902 $473,893 $24,423,518
$550,849 $485,465 $23,938,053
$537,964 $497,122 $23,440,931
$525,465 $508,783 $22,932,148
$513,243 $520,492 $22,411,655
$500,860 $532,417 $21,879,239
$488,354 $544,545 $21,334,694
$475,549 $556,947 $20,777,747
$462,423 $569,635 $20,208,111
$448,500 $582,795 $19,625,317
$238,965 $676,316 $18,949,001
$433,747 $601,208 $18,347,792
$417,712 $615,863 $17,731,929
$401,611 $630,709 $17,101,221
$385,702 $645,642 $16,455,579
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$369,809 $660,738 $15,794,841
$354,066 $675,949 $15,118,892
$338,375 $691,321 $14,427,571
$322,430 $706,986 $13,720,585
$306,249 $722,942 $12,997,643
$289,717 $739,242 $12,258,401
$272,819 $755,893 $11,502,508
$255,287 $773,010 $10,729,498
$381,679 $732,399 $9,997,099
$234,820 $807,042 $9,190,057
$205,662 $830,210 $8,359,847
$172,099 $854,980 $7,504,868
$166,234 $867,770 $6,637,098
$144,057 $888,185 $5,748,913
$123,488 $907,974 $4,840,938
$104,887 $927,132 $3,913,806
$77,813 $949,750 $2,964,056
$69,622 $965,170 $1,998,886
$44,733 $988,383 $1,010,502
$20,803 $1,010,502 $0
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$45,000,000 Capital (P)
2.17% UVR + ? EMV (i)
120 Plazo (n)
280 UVR
160,714 UVRs Capital en UVR (PUVR)
3,770 UVRs Cuota en UVR (A)
ALTERNATIVA 2
No. de Cuota Precio UVR Saldo Inicial
Deuda
1 $280.000 $45,000,000
2 $281.503 $45,160,522
3 $282.913 $45,303,557
4 $284.082 $45,405,392
5 $285.094 $45,479,505
6 $285.855 $45,511,210
7 $286.402 $45,506,583
8 $286.912 $45,493,727
9 $287.367 $45,469,689
10 $287.840 $45,446,192
11 $288.341 $45,424,621
12 $289.093 $45,439,890
xada al IPC o cuota fija en UVRs. Así las cosas, el banco propone las sig
• Alternativa 1:
• Alternativa 2: 
TABLA DE AMORTIZACIÓN EN PESOS (
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13 $290.392 $45,538,228
14 $291.997 $45,681,217
15 $293.351 $45,781,545
16 $293.741 $45,728,196
17 $293.222 $45,530,878
18 $292.544 $45,307,025
19 $292.173 $45,128,449
20 $292.470 $45,050,461
21 $292.711 $44,960,985
22 $292.823 $44,848,659
23 $292.999 $44,743,347
24 $293.630 $44,704,225
25 $295.022 $44,777,052
26 $296.543 $44,865,193
27 $292.628 $44,128,837
28 $287.283 $43,178,500
29 $289.594 $43,377,012
30 $284.082 $42,402,445
31 $285.094 $42,400,572
32 $285.855 $42,357,172
33 $286.402 $42,278,036
34 $286.912 $42,189,351
35 $287.367 $42,088,370
36 $287.840 $41,985,922
37 $293.222 $42,592,127
38 $292.544 $42,311,537
39 $292.173 $42,071,942
40 $292.470 $41,924,556
41 $292.711 $41,764,718
42 $292.823 $41,581,897
43 $292.999 $41,403,796
44 $293.630 $41,284,970
45 $295.022 $41,267,156
46 $296.543 $41,260,753
47 $280.000 $38,747,450
48 $281.503 $38,738,208
49 $282.913 $38,709,220
50 $284.082 $38,640,338
51 $285.094 $38,543,270
52 $285.855 $38,405,779
53 $287.367 $38,362,113
54 $287.840 $38,172,660
55 $293.222 $38,623,409
56 $292.544 $38,266,196
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57 $292.173 $37,944,195
58 $292.470 $37,703,089
59 $292.711 $37,448,228
60 $285.855 $36,285,706
61 $287.367 $36,184,646
62 $287.840 $35,944,351
63 $293.222 $36,304,257
64 $292.544 $35,902,269
65 $292.173 $35,532,113
66 $292.470 $35,236,242
67 $292.711 $34,925,853
68 $285.855 $33,769,046
69 $287.367 $33,599,855
70 $287.840 $33,299,208
71 $293.222 $33,551,278
72 $292.544 $33,096,139
73 $292.173 $32,668,821
74 $292.470 $32,307,938
75 $292.711 $31,931,636
76 $298.260 $32,117,423
77 $298.792 $31,745,367
78 $299.000 $31,328,546
79 $298.684 $30,847,439
80 $298.825 $30,404,132
81 $298.836 $29,937,422
82 $298.782 $29,454,064
83 $291.521 $28,261,934
84 $291.870 $27,808,493
85 $292.184 $27,340,043
86 $292.465 $26,856,662
87 $292.719 $26,358,825
88 $292.950 $25,846,756
89 $293.165 $25,320,906
90 $293.370 $24,781,592
91 $293.566 $24,228,660
92 $293.754 $23,661,989
93 $293.933 $23,081,274
94 $294.103 $22,486,184
95 $294.254 $21,875,892
96 $291.521 $21,043,213
97 $291.870 $20,424,534
98 $292.184 $19,787,979
99 $292.465 $19,133,551
100 $292.719 $18,461,526
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101 $292.950 $17,771,980
102 $293.165 $17,065,121
103 $293.370 $16,341,035
104 $293.566 $15,599,471
105 $293.754 $14,840,194
106 $293.933 $14,062,840
107 $294.103 $13,267,039
108 $294.254 $12,452,137
109 $298.260 $11,770,644
110 $298.792 $10,920,666
111 $299.000 $10,037,814
112 $298.684 $9,118,407
113 $298.825 $8,193,798
114 $298.836 $7,245,018
115 $298.782 $6,274,223
116 $298.782 $5,283,746
117 $298.260 $4,264,344
118 $298.792 $3,238,052
119 $299.000 $2,183,274
120 $298.684 $1,102,170
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Costo Periódico Costo Anual
Cuota Interés Abono Saldo Final
-$45,000,000
$1,055,612 $975,000 $80,612 $44,919,388
$1,061,278 $978,478 $82,800 $45,077,722
$1,066,595 $981,577 $85,018 $45,218,538
$1,071,003 $983,783 $87,219 $45,318,173
$1,074,815 $985,389 $89,426 $45,390,079
$1,077,684 $986,076 $91,607 $45,419,603
$1,079,747 $985,976 $93,771 $45,412,811
$1,081,671 $985,697 $95,974 $45,397,753
$1,083,385 $985,177 $98,209 $45,371,481
$1,085,169 $984,667 $100,502 $45,345,690
$1,087,058 $984,200 $102,858 $45,321,763
$1,089,891 $984,531 $105,360 $45,334,530
as siguientes alternativas:
• Alternativa 1:
• Alternativa 2: 
N PESOS (CON UNIDAD DE CUENTA VARIABLE)
𝐴𝑒 = 𝑃𝑈𝑉𝑅 1 + 𝑖𝑝 𝑛𝑒 𝑖𝑝1 + 𝑖𝑝 𝑛𝑒 − 1𝐴𝑒 = 𝑃𝑈𝑉𝑅 1 + 𝑖𝑝 𝑛𝑒 𝑖𝑝1 + 𝑖𝑝 𝑛𝑒 − 1
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$1,100,840 $989,760 $111,080 $45,570,136
$1,105,947 $991,933 $114,014 $45,667,531
$1,107,416 $990,778 $116,639 $45,611,557
$1,105,457 $986,502 $118,955 $45,411,923
$1,102,904 $981,652 $121,252 $45,185,774
$1,101,505 $977,783 $123,722 $45,004,728
$1,102,624 $976,093 $126,531 $44,923,931
$1,103,533 $974,155 $129,379 $44,831,606
$1,103,953 $971,721 $132,232 $44,716,427
$1,104,618 $969,439 $135,179 $44,608,168
$1,106,996 $968,592 $138,405 $44,565,820
$1,112,243 $970,169 $142,074 $44,634,978
$1,117,980 $972,079 $145,901 $44,719,292
$1,103,219 $956,125 $147,094 $43,981,743
$1,083,070 $935,534 $147,536 $43,030,964
$1,091,780 $939,835 $151,945 $43,225,067
$1,071,003 $918,720 $152,283 $42,250,162
$1,074,815 $918,679 $156,136 $42,244,436
$1,077,684 $917,739 $159,945 $42,197,228
$1,079,747 $916,024 $163,723 $42,114,313
$1,081,671 $914,103 $167,569 $42,021,783
$1,083,385 $911,915 $171,471 $41,916,899
$1,085,169 $909,695 $175,474 $41,810,447
$1,105,457 $922,829 $182,628 $42,409,499
$1,102,904 $916,750 $186,154 $42,125,384
$1,101,505 $911,559 $189,946 $41,881,996
$1,102,624 $908,365 $194,259 $41,730,298
$1,103,533 $904,902 $198,631 $41,566,086
$1,103,953 $900,941 $203,012 $41,378,885
$1,104,618 $897,082 $207,536 $41,196,261
$1,106,996 $894,508 $212,489 $41,072,481
$1,112,243 $894,122 $218,122 $41,049,034
$1,117,980 $893,983 $223,997 $41,036,756
$1,055,612 $839,528 $216,083 $38,531,366
$1,061,278 $839,328 $221,950 $38,516,258
$1,066,595 $838,700 $227,895 $38,481,325
$1,071,003 $837,207 $233,795 $38,406,543
$1,074,815 $835,104 $239,711 $38,303,559
$1,077,684 $832,125 $245,558 $38,160,220
$1,083,385 $831,179 $252,206 $38,109,907
$1,085,169 $827,074 $258,095 $37,914,565
$1,105,457 $836,841 $268,617 $38,354,792
$1,102,904 $829,101 $273,803 $37,992,393
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$1,101,505 $822,124 $279,380 $37,664,814
$1,102,624 $816,900 $285,724 $37,417,365
$1,103,533 $811,378 $292,155 $37,156,073
$1,077,684 $786,190 $291,493 $35,994,212
$1,083,385 $784,001 $299,385 $35,885,261
$1,085,169 $778,794 $306,375 $35,637,977
$1,105,457 $786,592 $318,865 $35,985,392
$1,102,904 $777,882 $325,021 $35,577,248
$1,101,505 $769,862 $331,642 $35,200,471
$1,102,624 $763,452 $339,172 $34,897,070
$1,103,533 $756,727 $346,807 $34,579,047
$1,077,684 $731,663 $346,021 $33,423,025
$1,083,385 $727,997 $355,388 $33,244,466
$1,085,169 $721,483 $363,686 $32,935,522
$1,105,457 $726,944 $378,513 $33,172,765
$1,102,904 $717,083 $385,821 $32,710,318
$1,101,505 $707,824 $393,680 $32,275,141
$1,102,624 $700,005 $402,619 $31,905,320
$1,103,533 $691,852 $411,681 $31,519,955
$1,124,451 $695,877 $428,574 $31,688,849
$1,126,457 $687,816 $438,640 $31,306,727
$1,127,242 $678,785 $448,457 $30,880,090
$1,126,050 $668,361 $457,689 $30,389,750
$1,126,583 $658,756 $467,827 $29,936,305
$1,126,625 $648,644 $477,981 $29,459,441
$1,126,419 $638,171 $488,248 $28,965,816
$1,099,047 $612,342 $486,705 $27,775,229
$1,100,363 $602,517 $497,846 $27,310,647
$1,101,547 $592,368 $509,180 $26,830,864
$1,102,606 $581,894 $520,712 $26,335,950
$1,103,564 $571,108 $532,456 $25,826,368
$1,104,435 $560,013 $544,422 $25,302,334
$1,105,246 $548,620 $556,626 $24,764,280
$1,106,019 $536,935 $569,084 $24,212,508
$1,106,756 $524,954 $581,802 $23,646,858
$1,107,465 $512,676 $594,788 $23,067,201
$1,108,140 $500,094 $608,046 $22,473,228
$1,108,779 $487,201 $621,579 $21,864,605
$1,109,352 $473,978 $635,374 $21,240,518
$1,099,047 $455,936 $643,110 $20,400,103
$1,100,363 $442,532 $657,831 $19,766,703
$1,101,547 $428,740 $672,808 $19,115,171
$1,102,606 $414,560 $688,046 $18,445,504
$1,103,564 $400,000 $703,564 $17,757,961
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$1,104,435 $385,060 $719,376 $17,052,604
$1,105,246 $369,744 $735,502 $16,329,619
$1,106,019 $354,056 $751,963 $15,589,072
$1,106,756 $337,989 $768,768 $14,830,703
$1,107,465 $321,538 $785,927 $14,054,266
$1,108,140 $304,695 $803,445 $13,259,395
$1,108,779 $287,453 $821,327 $12,445,712
$1,109,352 $269,796 $839,555 $11,612,582
$1,124,451 $255,031 $869,421 $10,901,223
$1,126,457 $236,614 $889,842 $10,030,823
$1,127,242 $217,486 $909,756 $9,128,059
$1,126,050 $197,565 $928,484 $8,189,923
$1,126,583 $177,532 $949,051 $7,244,748
$1,126,625 $156,975 $969,649 $6,275,369
$1,126,419 $135,942 $990,478 $5,283,746
$1,126,419 $114,481 $1,011,938 $4,271,808
$1,124,451 $92,394 $1,032,057 $3,232,287
$1,126,457 $70,158 $1,056,299 $2,181,753
$1,127,242 $47,304 $1,079,938 $1,103,336
$1,126,050 $23,880 $1,102,170 $0
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No. de Cuota Saldo Inicial
Deuda
1 160,714 UVRs
2 160,426 UVRs
3 160,132 UVRs
4 159,832 UVRs
5 159,525 UVRs
6 159,211 UVRs
7 158,891 UVRs
8 158,563 UVRs
9 158,229 UVRs
10 157,887 UVRs
11 157,538 UVRs
12 157,181 UVRs
TABL
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13 156,817 UVRs
14 156,444 UVRs
15 156,064 UVRs
16 155,675 UVRs
17 155,278 UVRs
18 154,872 UVRs
19 154,458 UVRs
20 154,034 UVRs
21 153,602 UVRs
22 153,160 UVRs
23 152,708 UVRs
24 152,247 UVRs
25 151,776 UVRs
26 151,294 UVRs
27 150,802 UVRs
28 150,299 UVRs
29 149,786 UVRs
30 149,261 UVRs
31 148,725 UVRs
32 148,177 UVRs
33 147,618 UVRs
34 147,046 UVRs
35 146,462 UVRs
36 145,865 UVRs
37 145,256 UVRs
38 144,633 UVRs
39 143,997 UVRs
40 143,347 UVRs
41 142,682 UVRs
42 142,004 UVRs
43 141,310 UVRs
44 140,602 UVRs
45 139,878 UVRs
46 139,139 UVRs
47 138,384 UVRs
48 137,612 UVRs
49 136,824 UVRs
50 136,018 UVRs
51 135,195 UVRs
52 134,354 UVRs
53 133,495 UVRs
54 132,618 UVRs
55 131,721 UVRs
56 130,805 UVRs
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57 129,869 UVRs
58 128,913 UVRs
59 127,936 UVRs
60 126,938 UVRs
61 125,918 UVRs
62 124,876 UVRs
63 123,812 UVRs
64 122,724 UVRs
65 121,613 UVRs
66 120,478 UVRs
67 119,318 UVRs
68 118,134 UVRs
69 116,923 UVRs
70 115,686 UVRs
71 114,423 UVRs
72 113,132 UVRs
73 111,813 UVRs
74 110,466 UVRs
75 109,089 UVRs
76 107,683 UVRs
77 106,246 UVRs
78 104,778 UVRs
79 103,278 UVRs
80 101,746 UVRs
81 100,180 UVRs
82 98,581 UVRs
83 96,946 UVRs
84 95,277 UVRs
85 93,571 UVRs
86 91,829 UVRs
87 90,048 UVRs
88 88,229 UVRs
89 86,371 UVRs
90 84,472 UVRs
91 82,532 UVRs
92 80,550 UVRs
93 78,526 UVRs
94 76,457 UVRs
95 74,343 UVRs
96 72,184 UVRs
97 69,978 UVRs
98 67,724 UVRs
99 65,422 UVRs
100 63,069 UVRs
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101 60,665 UVRs
102 58,210 UVRs
103 55,701 UVRs
104 53,138 UVRs
105 50,519 UVRs
106 47,844 UVRs
107 45,110 UVRs
108 42,318 UVRs
109 39,464 UVRs
110 36,549 UVRs
111 33,571 UVRs
112 30,529 UVRs
113 27,420 UVRs
114 24,244 UVRs
115 20,999 UVRs
116 17,684 UVRs
117 14,297 UVRs
118 10,837 UVRs
119 7,302 UVRs
120 3,690 UVRs
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Costo Periódico Costo Anual
Cuota Interés Abono Saldo Final
-160,714 UVRs
3,770 UVRs 3,482 UVRs 288 UVRs 160,426 UVRs
3,770 UVRs 3,476 UVRs 294 UVRs 160,132 UVRs
3,770 UVRs 3,470 UVRs 301 UVRs 159,832 UVRs
3,770 UVRs 3,463 UVRs 307 UVRs 159,525 UVRs
3,770 UVRs 3,456 UVRs 314 UVRs 159,211 UVRs
3,770 UVRs 3,450 UVRs 320 UVRs 158,891 UVRs
3,770 UVRs 3,443 UVRs 327 UVRs 158,563 UVRs
3,770 UVRs 3,436 UVRs 335 UVRs 158,229 UVRs
3,770 UVRs 3,428 UVRs 342 UVRs 157,887 UVRs
3,770 UVRs 3,421 UVRs 349