Вы находитесь на странице: 1из 9

Valor Matricula

Tipo Credito

90

Parametros de Entrada
Int. Salida
Capital
0.0107
300,000

Int. Entrada
0.1366

Per
1
2
3
4
5
6

1.
2.
3.
4.
5.
6.

3,000,000.00
10

Desembolso
300,000.00
251,324.21
202,126.27
152,400.57
102,141.45
51,343.19

Interes
3,218.17
2,696.02
2,168.26
1,634.84
1,095.70
550.77

Plazo
6

Amortizacin
48,675.79
49,197.94
49,725.70
50,259.12
50,798.26
51,343.19

Para Reducir Cuota


Calcular Valor Presente
Hallar Equivalencia de Valor Futuro
Del Periodo 12 al 72 = 60 Cuotas
Tener en cuenta lo Futuro
29,602,680
Afecta el saldo que estaba en el periodo anterior.
Se dedcucen los Intereses
Se resta el valor del interes del perio
Se afecta Capital
El valor restante aplica a la ciota

Plazo
Capital
Interes
Conversin Tasa
Cuota

59.00
16,762,274.00
13.67
1.01
0.01
384,956.11

0.14

27,716,839.81

Dias Ao

Cuota
51,893.9582

Int. Anual
5.69

Cuota
51,893.96
51,893.96
51,893.96
51,893.96
51,893.96
51,893.96

Saldo
251,324.21
202,126.27
152,400.57
102,141.45
51,343.19
(0.00)

Periodo

Fecha Anterior
1
1/20/2015
2
7/25/2015
3
1/20/2016
4
7/25/2016
5
1/20/2017
6
7/25/2017

1.
2.
al 72 = 60 Cuotas

or del interes del periodo a la cuota


te aplica a la ciota

Reducir Plazo
Plazo
Capital
Interes
Conversin Tasa
Cuota

35.00
16,762,274.00
13.67
1.01
0.01
577,023.50

Valor Presente
Periodo 36

365

Ao Gracia
1

182.5

Fecha Inicial
1/20/2015

7/25/2018
Fecha Focal
7/25/2018

Tasa Int. Anual


13.6600

Fecha Actual
Valor Desembolso
Intereses
Valos Futuro
1/20/2015
2,700,000.00
1,295,417.10
3,995,417.10
7/21/2015
2,700,000.00
1,107,470.47
3,807,470.47
1/23/2016
2,700,000.00
926,597.10
3,626,597.10
7/20/2016
2,700,000.00
737,640.00
3,437,640.00
1/23/2017
2,700,000.00
556,766.63
3,256,766.63
7/21/2017
2,700,000.00
368,820.00
3,068,820.00
18,192,711.29
21,192,711.29

Hallar Valor Presente


Periodo X Cual es el Saldo?

Afecta Capital

Saldo

Intereses Sobre Saldo


11,739,474.40
125,990.16
8,480,508.56 <- Valor Presente

X = Donde se genera el Pago Extraordinario

3,000,000.00
384,956.00
3,384,956.00
3,258,965.84

Valor Deuda plan depags


2,700,000.00

Nmero Das
pago extraordinario
1,282.00
1,096.00
917.00
730.00
551.00
365.00
4,941.00

traordinario

K
Tasa %
Plazo
Pago

21,000,000.00
0.09
8.00
3,741,836.16

0.086278
i
1
2
3
4
5
6
7
8

K
21,000,000.00
19,070,001.84
16,973,487.29
14,696,089.66
12,222,202.72
9,534,873.76
6,615,687.44
3,444,639.55

%
1,811,838.00
1,645,321.62
1,464,438.54
1,267,949.22
1,054,507.21
822,649.84
570,788.28
297,196.61

Amortizacin
1,929,998.16
2,096,514.55
2,277,397.63
2,473,886.94
2,687,328.96
2,919,186.33
3,171,047.88
3,444,639.55

Cuota
3,741,836.16
3,741,836.16
3,741,836.16
3,741,836.16
3,741,836.16
3,741,836.16
3,741,836.16
3,741,836.16

Saldo
19,070,001.84
16,973,487.29
14,696,089.66
12,222,202.72
9,534,873.76
6,615,687.44
3,444,639.55
0.00

feha desem Valorde_DeseIntereses


Valos_Futuro # DiAS
1
1/20/2015
3000000 1439352.33 4439352.33
1282
2
7/25/2015
3000000
1096
3
1/20/2016
917
4
7/25/2016
730
5
1/20/2017
551
6
7/25/2017
365
7
8
9
10
11
12

K
Tasa %
Plazo
Pago

19,791,097.00
0.02344
36.00
819,999.99

0.02344
i
1
2
3
4
5
6
7
8
9
10
11

K
21,000,000.00
20,672,240.01
20,336,797.33
19,993,491.87
19,642,139.33
19,282,551.09
18,914,534.09
18,537,890.78
18,152,418.96
17,757,911.67
17,354,157.13

%
492,240.00
484,557.31
476,694.53
468,647.45
460,411.75
451,983.00
443,356.68
434,528.16
425,492.70
416,245.45
406,781.44

Amortizacin
327,759.99
335,442.68
343,305.46
351,352.54
359,588.24
368,016.99
376,643.31
385,471.83
394,507.29
403,754.54
413,218.55

Cuota
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99
819,999.99

Saldo
20,672,240.01
20,336,797.33
19,993,491.87
19,642,139.33
19,282,551.09
18,914,534.09
18,537,890.78
18,152,418.96
17,757,911.67
17,354,157.13
16,940,938.58