Академический Документы
Профессиональный Документы
Культура Документы
TRES INDIVIDUAL
ENA FAJARDO
DISTANCIA UNAD
Con este trabajo se pretende que los estudiantes realice una revisin minuciosa de los temas que
inters, el crdito y sus implicaciones en la utilidad empresarial, como realizar tablas de amortizac
SALDO INICIAL
215,000,000
203,055,556
191,111,111
179,166,667
167,222,222
155,277,778
143,333,333
131,388,889
119,444,444
107,500,000
95,555,556
83,611,111
71,666,667
59,722,222
47,777,778
35,833,333
23,888,889
11,944,444
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
CUOTA
14,631,944.44
14,482,638.89
14,333,333.33
14,184,027.78
14,034,722.22
13,885,416.67
13,736,111.11
13,586,805.56
13,437,500.00
13,288,194.44
13,138,888.89
12,989,583.33
12,840,277.78
12,690,972.22
12,541,666.67
12,392,361.11
12,243,055.56
12,093,750.00
SUMATORIA
INTERESES PRIMER AO
SUMATORIA
INTERESES TOTALES
22,395,833
25,531,250
AMORTIZACIN
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
11,944,444
SALDO FINAL
203,055,556
191,111,111
179,166,667
167,222,222
155,277,778
143,333,333
131,388,889
119,444,444
107,500,000
95,555,556
83,611,111
71,666,667
59,722,222
47,777,778
35,833,333
23,888,889
11,944,444
0
CUOTA DECRECIENTE
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 149,305.56
$ 12,093,750.00
SALDO INICIAL
215,000,000
201,955,149
189,061,884
176,315,808
163,712,592
151,247,980
138,917,781
126,717,869
114,644,187
102,692,737
90,859,584
79,140,852
67,532,726
56,031,446
44,633,309
33,334,666
22,131,921
11,021,530
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
CUOTA
15,732,351.08
15,417,704.05
15,109,349.97
14,807,162.97
14,511,019.71
14,220,799.32
13,936,383.33
13,657,655.67
13,384,502.55
13,116,812.50
12,854,476.25
12,597,386.73
12,345,438.99
12,098,530.21
11,856,559.61
11,619,428.42
11,387,039.85
11,159,299.05
SUMATORIA
INTERESES PRIMER AO
SUMATORIA
INTERESES TOTALES
21,878,330
24,811,900
AMORTIZACIN
13,044,851
12,893,265
12,746,076
12,603,215
12,464,612
12,330,200
12,199,911
12,073,682
11,951,450
11,833,153
11,718,731
11,608,126
11,501,280
11,398,137
11,298,643
11,202,745
11,110,391
11,021,530
SALDO FINAL
201,955,149
189,061,884
176,315,808
163,712,592
151,247,980
138,917,781
126,717,869
114,644,187
102,692,737
90,859,584
79,140,852
67,532,726
56,031,446
44,633,309
33,334,666
22,131,921
11,021,530
0
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
SALDO INICIAL
215,000,000
204,274,771
193,415,476
182,420,440
171,287,967
160,016,337
148,603,812
137,048,630
125,349,009
113,503,142
101,509,202
89,365,338
77,069,675
64,620,317
52,015,342
39,252,804
26,330,735
13,247,140
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
CUOTA
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
SUMATORIA
INTERESES PRIMER AO
SUMATORIA
INTERESES TOTALES
INTERESES
2,687,500
2,553,435
2,417,693
2,280,256
2,141,100
2,000,204
1,857,548
1,713,108
1,566,863
1,418,789
1,268,865
1,117,067
963,371
807,754
650,192
490,660
329,134
165,589
23,022,427
26,429,127
AMORTIZACIN
10,725,229
10,859,295
10,995,036
11,132,474
11,271,630
11,412,525
11,555,182
11,699,621
11,845,867
11,993,940
12,143,864
12,295,663
12,449,358
12,604,975
12,762,537
12,922,069
13,083,595
13,247,140
SALDO FINAL
204,274,771
193,415,476
182,420,440
171,287,967
160,016,337
148,603,812
137,048,630
125,349,009
113,503,142
101,509,202
89,365,338
77,069,675
64,620,317
52,015,342
39,252,804
26,330,735
13,247,140
0
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
SALDO INICIAL
215,000,000
215,000,000
215,000,000
215,000,000
215,000,000
215,000,000
215,000,000
198,281,963
181,354,950
164,216,350
146,863,517
129,293,774
111,504,409
93,492,677
75,255,798
56,790,959
38,095,308
19,165,963
CUOTA
$ 2,687,500.00
$ 2,687,500.00
$ 2,687,500.00
$ 2,687,500.00
$ 2,687,500.00
$ 2,687,500.00
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
$ 19,405,537.15
SUMATORIA
INTERESES PRIMER AO
SUMATORIA
INTERESES TOTALES
INTERESES
2,687,500
2,687,500
2,687,500
2,687,500
2,687,500
2,687,500
2,687,500
2,478,525
2,266,937
2,052,704
1,835,794
1,616,172
1,393,805
1,168,658
940,697
709,887
476,191
239,575
29,062,632
33,991,446
AMORTIZACIN
0
0
0
0
0
0
16,718,037
16,927,013
17,138,600
17,352,833
17,569,743
17,789,365
18,011,732
18,236,879
18,464,840
18,695,650
18,929,346
19,165,963
6
18
SALDO FINAL
215,000,000
215,000,000
215,000,000
215,000,000
215,000,000
215,000,000
198,281,963
181,354,950
164,216,350
146,863,517
129,293,774
111,504,409
93,492,677
75,255,798
56,790,959
38,095,308
19,165,963
0
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
SALDO INICIAL
215,000,000
217,687,500
220,408,594
223,163,701
225,953,247
228,777,663
231,637,384
213,625,652
195,388,773
176,923,933
158,228,283
139,298,937
120,132,975
100,727,438
81,079,331
61,185,624
41,043,245
20,649,086
$
$
$
$
$
$
$
$
$
$
$
$
CUOTA
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
20,907,199.34
SUMATORIA
INTERESES PRIMER AO
SUMATORIA
INTERESES TOTALES
INTERESES
2,687,500
2,721,094
2,755,107
2,789,546
2,824,416
2,859,721
2,895,467
2,670,321
2,442,360
2,211,549
1,977,854
1,741,237
1,501,662
1,259,093
1,013,492
764,820
513,041
258,114
30,576,171
35,886,392
AMORTIZACIN
-2,687,500
-2,721,094
-2,755,107
-2,789,546
-2,824,416
-2,859,721
18,011,732
18,236,879
18,464,840
18,695,650
18,929,346
19,165,963
19,405,537
19,648,106
19,893,708
20,142,379
20,394,159
20,649,086
6
18
$ 231,637,383.82
SALDO FINAL
217,687,500
220,408,594
223,163,701
225,953,247
228,777,663
231,637,384
213,625,652
195,388,773
176,923,933
158,228,283
139,298,937
120,132,975
100,727,438
81,079,331
61,185,624
41,043,245
20,649,086
0
Estados de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional
Gastos financieros (sumatoria de los
intereses del primer ao de cada tabla de
amortizacin)
Utilidad antes de impuestos
Impuestos
Utilidad neta
2014
$
$
$
$
$
938,391,011.00
246,708,856.00
691,682,155.00
180,745,422.00
510,936,733.00
$-
$ 510,936,733.00
$ 127,734,183.25
$ 383,202,549.75
INCREMENTO
$ 187,678,202.20
$ 37,006,328.40
ESTADO DE RESULTADOS
AJUSTADOS
$ 1,126,069,213.20
$ 283,715,184.40
$ 842,354,028.80
$ 180,745,422.00
$ 661,608,606.80
0
$ 661,608,606.80
$ 165,402,151.70
$ 496,206,455.10
Estados de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional
Gastos financieros (sumatoria de los
intereses del primer ao de cada tabla de
amortizacin)
Utilidad antes de impuestos
Impuestos
Utilidad neta
2014
$
$
$
$
$
938,391,011.00
246,708,856.00
691,682,155.00
180,745,422.00
510,936,733.00
$-
$ 510,936,733.00
$ 127,734,183.25
$ 383,202,549.75
INCREMENTO
$ 187,678,202.20
$ 37,006,328.40
ESTADO DE RESULTADOS
AJUSTADOS
$ 1,126,069,213.20
$ 283,715,184.40
$ 842,354,028.80
$ 180,745,422.00
$ 661,608,606.80
$ 22,395,833.33
$ 639,212,773.47
$ 159,803,193.37
$ 479,409,580.10
Estados de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional
Gastos financieros (sumatoria de los
intereses del primer ao de cada tabla de
amortizacin)
Utilidad antes de impuestos
Impuestos
Utilidad neta
2014
$
$
$
$
$
938,391,011.00
246,708,856.00
691,682,155.00
180,745,422.00
510,936,733.00
$-
$ 510,936,733.00
$ 127,734,183.25
$ 383,202,549.75
INCREMENTO
$ 187,678,202.20
$ 37,006,328.40
ESTADO DE RESULTADOS
AJUSTADOS
$ 1,126,069,213.20
$ 283,715,184.40
$ 842,354,028.80
$ 180,745,422.00
$ 661,608,606.80
21,878,330
$ 639,730,276.50
$ 159,932,569.13
$ 479,797,707.38
Estados de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional
Gastos financieros (sumatoria de los
intereses del primer ao de cada tabla de
amortizacin)
Utilidad antes de impuestos
Impuestos
Utilidad neta
2014
$
$
$
$
$
938,391,011.00
246,708,856.00
691,682,155.00
180,745,422.00
510,936,733.00
$-
$ 510,936,733.00
$ 127,734,183.25
$ 383,202,549.75
INCREMENTO
$ 187,678,202.20
$ 37,006,328.40
ESTADO DE RESULTADOS
AJUSTADOS
$ 1,126,069,213.20
$ 283,715,184.40
$ 842,354,028.80
$ 180,745,422.00
$ 661,608,606.80
23,022,427
$ 638,586,180.25
$ 159,646,545.06
$ 478,939,635.19
Estados de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional
Gastos financieros (sumatoria de los
intereses del primer ao de cada tabla de
amortizacin)
Utilidad antes de impuestos
Impuestos
Utilidad neta
2014
$
$
$
$
$
938,391,011.00
246,708,856.00
691,682,155.00
180,745,422.00
510,936,733.00
$-
$ 510,936,733.00
$ 127,734,183.25
$ 383,202,549.75
INCREMENTO
$ 187,678,202.20
$ 37,006,328.40
ESTADO DE RESULTADOS
AJUSTADOS
$ 1,126,069,213.20
$ 283,715,184.40
$ 842,354,028.80
$ 180,745,422.00
$ 661,608,606.80
29,062,632
$ 632,545,974.87
$ 158,136,493.72
$ 474,409,481.15
Estados de resultados
CUENTA
Ingresos por Ventas
Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional
Gastos financieros (sumatoria de los
intereses del primer ao de cada tabla de
amortizacin)
Utilidad antes de impuestos
Impuestos
Utilidad neta
2014
$
$
$
$
$
938,391,011.00
246,708,856.00
691,682,155.00
180,745,422.00
510,936,733.00
$-
$ 510,936,733.00
$ 127,734,183.25
$ 383,202,549.75
INCREMENTO
$ 187,678,202.20
$ 37,006,328.40
ESTADO DE RESULTADOS
AJUSTADOS
$ 1,126,069,213.20
$ 283,715,184.40
$ 842,354,028.80
$ 180,745,422.00
$ 661,608,606.80
30,576,171
$ 631,032,435.95
$ 157,758,108.99
$ 473,274,326.96
TASA INTERES
EFECTIVA
MENSUAL
PERIODO DE
GRACIA
$ 215,000,000.00
1.25%
NA
AMORTIZACIN
GRADIENTE
GEOMETRICO
DECRECIENTE
$ 215,000,000.00
1.25%
NA
AMORTIZACION
PAGO CUOTA FIJA
$ 215,000,000.00
1.25%
NA
$ 215,000,000.00
1.25%
$ 215,000,000.00
1.25%
NA
PERIODO
MUERTO
TOTAL
PERIODOS
CUOTA MENSUAL
TOTAL
PERIODOS
18
Decreciente inicia
en 14.631.944,44 y
termina en
12.093.750,00
18
25,531,250
22,395,833
NA
18
Decreciente inicia
en 15.732.351,08 y
termina en
11.159.299,05
18
24,811,900
21,878,330
NA
18
13,412,729.26
18
26,429,127
23,022,427
NA
18
2.687.500 a los 6
meses de gracia y
19.405.537,15 las
de mas cuotas
18
33,991,446
29,062,632
18
20,907,199.34
18
35,886,392
30,576,171
NA
INTERESES INTERESES
TOTALES
PRIMER AO
IMPUESTOS
UTILIDAD
$ 159,803,193.37
$ 479,409,580.10
$ 159,932,569.13
$ 479,797,707.38
$ 159,646,545.06
$ 478,939,635.19
$ 158,136,493.72
$ 474,409,481.15
$ 157,758,108.99
$ 473,274,326.96
Conclusiones
La realizacin de esta actividad nos permite afianzar los conocimientos , la aplicacin de concepto
excel para realizar tablas de amortizaciones de los productos empresariales
nes
Referencias
Alba Sanchez, Doris Amelia, (2014). Syllabus Curso 102007 Matematica Financiera. Primera Edicin
Recuperado de http//:campus12.unad.edu.co/campus12_20151/mod/lesson/view.php?id=1186
erencias
SALDO INICIAL
215,000,000
204,274,771
193,415,476
182,420,440
171,287,967
160,016,337
148,603,812
137,048,630
125,349,009
113,503,142
101,509,202
89,365,338
77,069,675
64,620,317
52,015,342
39,252,804
26,330,735
13,247,140
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
CUOTA
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
13,412,729.26
SUMATORIA
INTERESES PRIMER AO
SUMATORIA
INTERESES TOTALES
23,022,427
26,429,127
AMORTIZACIN
10,725,229
10,859,295
10,995,036
11,132,474
11,271,630
11,412,525
11,555,182
11,699,621
11,845,867
11,993,940
12,143,864
12,295,663
12,449,358
12,604,975
12,762,537
12,922,069
13,083,595
13,247,140
SALDO FINAL
204,274,771
193,415,476
182,420,440
171,287,967
160,016,337
148,603,812
137,048,630
125,349,009
113,503,142
101,509,202
89,365,338
77,069,675
64,620,317
52,015,342
39,252,804
26,330,735
13,247,140
0
CUOTA DECRECIENTE
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 0.00
$ 13,412,729.26