Monto del Prstamo

EFA (tasa de Interes)

Plazo (en meses)
Valor cuota
Perodo de Gracia (meses)
Tasa Nominal
Tasa Periodica
Interes

Cuota Valor de Cuota Pago de Interes Amortizacin

1 $ 4,941,195.89 $ 1,729,757.60 $ 3,211,438.30
2 $ 4,941,195.89 $ 1,706,611.72 $ 3,234,584.17
3 $ 4,941,195.89 $ 1,683,299.03 $ 3,257,896.86
4 $ 4,941,195.89 $ 1,659,818.31 $ 3,281,377.58
5 $ 4,941,195.89 $ 1,636,168.36 $ 3,305,027.53
6 $ 4,941,195.89 $ 1,612,347.96 $ 3,328,847.93
7 $ 4,941,195.89 $ 1,588,355.88 $ 3,352,840.01
8 $ 4,941,195.89 $ 1,564,190.88 $ 3,377,005.02
9 $ 4,941,195.89 $ 1,539,851.71 $ 3,401,344.18
10 $ 4,941,195.89 $ 1,515,337.12 $ 3,425,858.77
11 $ 4,941,195.89 $ 1,490,645.85 $ 3,450,550.04
12 $ 4,941,195.89 $ 1,465,776.62 $ 3,475,419.27
13 $ 4,941,195.89 $ 1,440,728.15 $ 3,500,467.74
14 $ 4,941,195.89 $ 1,415,499.15 $ 3,525,696.75
15 $ 4,941,195.89 $ 1,390,088.31 $ 3,551,107.58
16 $ 4,941,195.89 $ 1,364,494.33 $ 3,576,701.56
17 $ 4,941,195.89 $ 1,338,715.89 $ 3,602,480.01
18 $ 4,941,195.89 $ 1,312,751.65 $ 3,628,444.24
19 $ 4,941,195.89 $ 1,286,600.28 $ 3,654,595.62
20 $ 4,941,195.89 $ 1,260,260.42 $ 3,680,935.47
21 $ 4,941,195.89 $ 1,233,730.73 $ 3,707,465.16
22 $ 4,941,195.89 $ 1,207,009.83 $ 3,734,186.06
23 $ 4,941,195.89 $ 1,180,096.35 $ 3,761,099.55
24 $ 4,941,195.89 $ 1,152,988.89 $ 3,788,207.01
25 $ 4,941,195.89 $ 1,125,686.05 $ 3,815,509.84
26 $ 4,941,195.89 $ 1,098,186.44 $ 3,843,009.45
27 $ 4,941,195.89 $ 1,070,488.63 $ 3,870,707.26
28 $ 4,941,195.89 $ 1,042,591.19 $ 3,898,604.70
29 $ 4,941,195.89 $ 1,014,492.68 $ 3,926,703.21
30 $ 4,941,195.89 $ 986,191.66 $ 3,955,004.23
31 $ 4,941,195.89 $ 957,686.67 $ 3,983,509.22
32 $ 4,941,195.89 $ 928,976.23 $ 4,012,219.66
33 $ 4,941,195.89 $ 900,058.87 $ 4,041,137.02
34 $ 4,941,195.89 $ 870,933.09 $ 4,070,262.81
35 $ 4,941,195.89 $ 841,597.39 $ 4,099,598.51
36 $ 4,941,195.89 $ 812,050.25 $ 4,129,145.64
 37 $ 4,941,195.89 $ 782,290.17 $ 4,158,905.72
38 $ 4,941,195.89 $ 752,315.59 $ 4,188,880.30
39 $ 4,941,195.89 $ 722,124.97 $ 4,219,070.92
40 $ 4,941,195.89 $ 691,716.77 $ 4,249,479.13
41 $ 4,941,195.89 $ 661,089.40 $ 4,280,106.50
42 $ 4,941,195.89 $ 630,241.28 $ 4,310,954.61
43 $ 4,941,195.89 $ 599,170.84 $ 4,342,025.05
44 $ 4,941,195.89 $ 567,876.46 $ 4,373,319.43
45 $ 4,941,195.89 $ 536,356.54 $ 4,404,839.36
46 $ 4,941,195.89 $ 504,609.43 $ 4,436,586.46
47 $ 4,941,195.89 $ 472,633.52 $ 4,468,562.37
48 $ 4,941,195.89 $ 440,427.15 $ 4,500,768.74
49 $ 4,941,195.89 $ 407,988.65 $ 4,533,207.24
50 $ 4,941,195.89 $ 375,316.36 $ 4,565,879.53
51 $ 4,941,195.89 $ 342,408.59 $ 4,598,787.30
52 $ 4,941,195.89 $ 309,263.64 $ 4,631,932.25
53 $ 4,941,195.89 $ 275,879.81 $ 4,665,316.08
54 $ 4,941,195.89 $ 242,255.37 $ 4,698,940.52
55 $ 4,941,195.89 $ 208,388.59 $ 4,732,807.31
56 $ 4,941,195.89 $ 174,277.71 $ 4,766,918.18
57 $ 4,941,195.89 $ 139,920.99 $ 4,801,274.90
58 $ 4,941,195.89 $ 105,316.65 $ 4,835,879.24
59 $ 4,941,195.89 $ 70,462.91 $ 4,870,732.98
60 $ 4,941,195.89 $ 35,357.96 $ 4,905,837.93

TOTALES $ 296,471,753.51 $ 56,471,753.51 $ 240,000,000.00

 $ 240,000,000 Costos adicionales
costos adicionales
9% Estudio de crdito $ 58,000
60 Seguro $ 259,000
$ 4,941,195.89
0 meses
8.65%
0.72%
0.72%

Saldo
$ 236,788,561.70
$ 233,553,977.53
$ 230,296,080.67
$ 227,014,703.09
$ 223,709,675.56
$ 220,380,827.63
$ 217,027,987.62
$ 213,650,982.60
$ 210,249,638.42
$ 206,823,779.65
$ 203,373,229.60
$ 199,897,810.33
$ 196,397,342.59
$ 192,871,645.84
$ 189,320,538.26
$ 185,743,836.70
$ 182,141,356.69
$ 178,512,912.45
$ 174,858,316.83
$ 171,177,381.36
$ 167,469,916.20
$ 163,735,730.14
$ 159,974,630.60
$ 156,186,423.59
$ 152,370,913.75
$ 148,527,904.30
$ 144,657,197.03
$ 140,758,592.33
$ 136,831,889.12
$ 132,876,884.90
$ 128,893,375.68
$ 124,881,156.02
$ 120,840,018.99
$ 116,769,756.19
$ 112,670,157.68
$ 108,541,012.04
$ 104,382,106.32
$ 100,193,226.02
$ 95,974,155.10
$ 91,724,675.97
$ 87,444,569.48
$ 83,133,614.87
$ 78,791,589.82
$ 74,418,270.39
$ 70,013,431.03
$ 65,576,844.57
$ 61,108,282.20
$ 56,607,513.46
$ 52,074,306.22
$ 47,508,426.69
$ 42,909,639.39
$ 38,277,707.14
$ 33,612,391.06
$ 28,913,450.54
$ 24,180,643.23
$ 19,413,725.05
$ 14,612,450.16
$ 9,776,570.92
$ 4,905,837.93
$ 0.00
#REF!
 Monto del Prstamo
EFA (tasa de Interes)
Plazo (en meses)
Valor cuota
Perodo de Gracia (meses)
Tasa Nominal
Tasa Periodica

Cuota Valor de Cuota Pago de Interes Amortizacin

0
1 $ 0.00 $ 2,096,302.52 $-2,096,302.52
2 $ 0.00 $2,114,612.87 $-2,114,612.87
3 $ 0.00 $2,133,083.15 $-2,133,083.15
4 $ 0.00 $2,151,714.77 $-2,151,714.77
5 $ 0.00 $2,170,509.12 $-2,170,509.12
6 $ 0.00 $2,189,467.64 $-2,189,467.64
7 $ 5,893,346.14 $2,208,591.75 $3,684,754.39
8 $ 5,893,346.14 $2,176,406.92 $3,716,939.23
9 $ 5,893,346.14 $2,143,940.96 $3,749,405.18
10 $ 5,893,346.14 $2,111,191.43 $3,782,154.71
11 $ 5,893,346.14 $2,078,155.84 $3,815,190.30
12 $ 5,893,346.14 $2,044,831.71 $3,848,514.43
13 $ 5,893,346.14 $2,011,216.50 $3,882,129.64
14 $ 5,893,346.14 $1,977,307.67 $3,916,038.47
15 $ 5,893,346.14 $1,943,102.67 $3,950,243.48
16 $ 5,893,346.14 $1,908,598.89 $3,984,747.25
17 $ 5,893,346.14 $1,873,793.74 $4,019,552.40
18 $ 5,893,346.14 $1,838,684.59 $4,054,661.55
19 $ 5,893,346.14 $1,803,268.77 $4,090,077.38
20 $ 5,893,346.14 $1,767,543.60 $4,125,802.54
21 $ 5,893,346.14 $1,731,506.39 $4,161,839.75
22 $ 5,893,346.14 $1,695,154.41 $4,198,191.73
23 $ 5,893,346.14 $1,658,484.91 $4,234,861.23
24 $ 5,893,346.14 $1,621,495.12 $4,271,851.02
25 $ 5,893,346.14 $1,584,182.24 $4,309,163.91
26 $ 5,893,346.14 $1,546,543.44 $4,346,802.70
27 $ 5,893,346.14 $1,508,575.88 $4,384,770.26
28 $ 5,893,346.14 $1,470,276.70 $4,423,069.45
29 $ 5,893,346.14 $1,431,642.98 $4,461,703.16
30 $ 5,893,346.14 $1,392,671.82 $4,500,674.33
31 $ 5,893,346.14 $1,353,360.25 $4,539,985.89
 32 $ 5,893,346.14 $1,313,705.32 $4,579,640.82
33 $ 5,893,346.14 $1,273,704.02 $4,619,642.12
34 $ 5,893,346.14 $1,233,353.32 $4,659,992.82
35 $ 5,893,346.14 $1,192,650.18 $4,700,695.96
36 $ 5,893,346.14 $1,151,591.51 $4,741,754.63
37 $ 5,893,346.14 $1,110,174.21 $4,783,171.94
38 $ 5,893,346.14 $1,068,395.14 $4,824,951.00
39 $ 5,893,346.14 $1,026,251.15 $4,867,094.99
40 $ 5,893,346.14 $983,739.06 $4,909,607.08
41 $ 5,893,346.14 $940,855.63 $4,952,490.51
42 $ 5,893,346.14 $897,597.64 $4,995,748.50
43 $ 5,893,346.14 $853,961.81 $5,039,384.34
44 $ 5,893,346.14 $809,944.83 $5,083,401.31
45 $ 5,893,346.14 $765,543.39 $5,127,802.76
46 $ 5,893,346.14 $720,754.11 $5,172,592.03
47 $ 5,893,346.14 $675,573.62 $5,217,772.52
48 $ 5,893,346.14 $629,998.50 $5,263,347.64
49 $ 5,893,346.14 $584,025.29 $5,309,320.85
50 $ 5,893,346.14 $537,650.53 $5,355,695.61
51 $ 5,893,346.14 $490,870.71 $5,402,475.44
52 $ 5,893,346.14 $443,682.28 $5,449,663.86
53 $ 5,893,346.14 $396,081.68 $5,497,264.46
54 $ 5,893,346.14 $348,065.31 $5,545,280.84
55 $ 5,893,346.14 $299,629.53 $5,593,716.61
56 $ 5,893,346.14 $250,770.69 $5,642,575.45
57 $ 5,893,346.14 $201,485.08 $5,691,861.06
58 $ 5,893,346.14 $151,768.99 $5,741,577.15
59 $ 5,893,346.14 $101,618.64 $5,791,727.50
60 $ 5,893,346.14 $51,030.26 $5,842,315.89

TOTALES 318,240,691.66 78,240,691.66 240,000,000.00

$ 240,000,000.00 Costos adicionales
costos adicionales
11% Estudio de crdito $ 47,000
60 Seguro $ 236,000
$ 5,893,346.14
6 meses
10.48%
0.87%

Saldo
$240,000,000.00
$242,096,302.52
$244,210,915.39
$246,343,998.54
$248,495,713.31
$250,666,222.43
$252,855,690.07
$249,170,935.68
$245,453,996.45
$241,704,591.27
$237,922,436.56
$234,107,246.26
$230,258,731.83
$226,376,602.18
$222,460,563.71
$218,510,320.23
$214,525,572.99
$210,506,020.59
$206,451,359.03
$202,361,281.66
$198,235,479.12
$194,073,639.37
$189,875,447.64
$185,640,586.41
$181,368,735.39
$177,059,571.48
$172,712,768.78
$168,327,998.52
$163,904,929.07
$159,443,225.91
$154,942,551.59
$150,402,565.70
$145,822,924.88
$141,203,282.76
$136,543,289.94
$131,842,593.97
$127,100,839.34
$122,317,667.40
$117,492,716.40
$112,625,621.41
$107,716,014.33
$102,763,523.82
$97,767,775.32
$92,728,390.98
$87,644,989.67
$82,517,186.92
$77,344,594.89
$72,126,822.37
$66,863,474.72
$61,554,153.87
$56,198,458.26
$50,795,982.83
$45,346,318.96
$39,849,054.50
$34,303,773.66
$28,710,057.05
$23,067,481.60
$17,375,620.54
$11,634,043.38
$5,842,315.89
$0.00
 Monto del Prstamo
EFA (tasa de Interes)
Plazo (en meses)
Valor cuota
Perodo de Gracia (meses)
Tasa Nominal
Tasa Periodica
Interes

Cuota Valor de Cuota Pago de Interes Amortizacin

0
1 $ 0.00 $ 432,000.00 ($ 432,000.00)
2 $ 0.00 $ 432,777.60 ($ 432,777.60)
3 $ 0.00 $ 433,556.60 ($ 433,556.60)
4 $ 0.00 $ 434,337.00 ($ 434,337.00)
5 $ 0.00 $ 435,118.81 ($ 435,118.81)
6 $ 0.00 $ 435,902.02 ($ 435,902.02)
7 $4,714,257.00 $ 428,456.87 $ 4,285,800.13
8 $4,714,257.00 $ 420,887.82 $ 4,293,369.19
9 $4,714,257.00 $ 413,305.39 $ 4,300,951.61
10 $4,714,257.00 $ 405,709.58 $ 4,308,547.42
11 $4,714,257.00 $ 398,100.35 $ 4,316,156.65
12 $4,714,257.00 $ 390,477.69 $ 4,323,779.32
13 $4,714,257.00 $ 382,841.56 $ 4,331,415.44
14 $4,714,257.00 $ 375,191.94 $ 4,339,065.06
15 $4,714,257.00 $ 367,528.82 $ 4,346,728.18
16 $4,714,257.00 $ 359,852.16 $ 4,354,404.84
17 $4,714,257.00 $ 352,161.95 $ 4,362,095.06
18 $4,714,257.00 $ 344,458.15 $ 4,369,798.85
19 $4,714,257.00 $ 336,740.75 $ 4,377,516.26
20 $4,714,257.00 $ 329,009.71 $ 4,385,247.29
21 $4,714,257.00 $ 321,265.03 $ 4,392,991.97
22 $4,714,257.00 $ 313,506.67 $ 4,400,750.34
23 $4,714,257.00 $ 305,734.60 $ 4,408,522.40
24 $4,714,257.00 $ 297,948.81 $ 4,416,308.19
25 $4,714,257.00 $ 290,149.27 $ 4,424,107.74
26 $4,714,257.00 $ 282,335.95 $ 4,431,921.05
27 $4,714,257.00 $ 274,508.84 $ 4,439,748.17
28 $4,714,257.00 $ 266,667.90 $ 4,447,589.10
29 $4,714,257.00 $ 258,813.11 $ 4,455,443.89
30 $4,714,257.00 $ 250,944.45 $ 4,463,312.55
31 $4,714,257.00 $ 243,061.90 $ 4,471,195.10
32 $4,714,257.00 $ 235,165.42 $ 4,479,091.58
 33 $4,714,257.00 $ 227,255.00 $ 4,487,002.00
34 $4,714,257.00 $ 219,330.61 $ 4,494,926.39
35 $4,714,257.00 $ 211,392.22 $ 4,502,864.78
36 $4,714,257.00 $ 203,439.81 $ 4,510,817.19
37 $4,714,257.00 $ 195,473.36 $ 4,518,783.64
38 $4,714,257.00 $ 187,492.84 $ 4,526,764.16
39 $4,714,257.00 $ 179,498.23 $ 4,534,758.78
40 $4,714,257.00 $ 171,489.49 $ 4,542,767.51
41 $4,714,257.00 $ 163,466.61 $ 4,550,790.39
42 $4,714,257.00 $ 155,429.56 $ 4,558,827.44
43 $4,714,257.00 $ 147,378.32 $ 4,566,878.68
44 $4,714,257.00 $ 139,312.86 $ 4,574,944.14
45 $4,714,257.00 $ 131,233.16 $ 4,583,023.84
46 $4,714,257.00 $ 123,139.18 $ 4,591,117.82
47 $4,714,257.00 $ 115,030.91 $ 4,599,226.09
48 $4,714,257.00 $ 106,908.33 $ 4,607,348.68
49 $4,714,257.00 $ 98,771.39 $ 4,615,485.61
50 $4,714,257.00 $ 90,620.09 $ 4,623,636.91
51 $4,714,257.00 $ 82,454.39 $ 4,631,802.61
52 $4,714,257.00 $ 74,274.27 $ 4,639,982.74
53 $4,714,257.00 $ 66,079.70 $ 4,648,177.30
54 $4,714,257.00 $ 57,870.66 $ 4,656,386.34
55 $4,714,257.00 $ 49,647.12 $ 4,664,609.88
56 $4,714,257.00 $ 41,409.06 $ 4,672,847.94
57 $4,714,257.00 $ 33,156.45 $ 4,681,100.56
58 $4,714,257.00 $ 24,889.26 $ 4,689,367.74
59 $4,714,257.00 $ 16,607.48 $ 4,697,649.53
60 $4,714,257.00 $ 8,311.06 $ 4,705,945.94
TOTALES $ 254,569,878.14 $ 14,569,878.14 $ 240,000,000.00
$ 240,000,000.0 Costos adicionales
costos adicionales
2.14% Estudio de crdito $ 45,000
60 Seguro $ 250,000
$ 4,714,257.00
6 meses
2.12%
0.18%
0.18%

Saldo
$240,000,000.00
$240,432,000.00
$240,864,777.60
$241,298,334.20
$241,732,671.20
$242,167,790.01
$242,603,692.03
$238,317,891.90
$234,024,522.71
$229,723,571.10
$225,415,023.68
$221,098,867.03
$216,775,087.71
$212,443,672.27
$208,104,607.21
$203,757,879.03
$199,403,474.19
$195,041,379.13
$190,671,580.28
$186,294,064.02
$181,908,816.73
$177,515,824.76
$173,115,074.42
$168,706,552.02
$164,290,243.83
$159,866,136.09
$155,434,215.04
$150,994,466.87
$146,546,877.77
$142,091,433.88
$137,628,121.33
$133,156,926.22
$128,677,834.64
$124,190,832.64
$119,695,906.25
$115,193,041.47
$110,682,224.28
$106,163,440.64
$101,636,676.48
$97,101,917.70
$92,559,150.19
$88,008,359.80
$83,449,532.36
$78,882,653.68
$74,307,709.54
$69,724,685.70
$65,133,567.88
$60,534,341.79
$55,926,993.11
$51,311,507.50
$46,687,870.59
$42,056,067.97
$37,416,085.24
$32,767,907.93
$28,111,521.59
$23,446,911.70
$18,774,063.76
$14,092,963.20
$9,403,595.46
$4,705,945.94
$0.00
 CUADRO RESUMEN

PERIODO DE GRACIA
ENTIDAD FINANCIERA PLAZO (En meses) TASA E.A (en meses)

Banco Popular 60 9.00% 0 meses

6 meses
Banco Bogota 60 11.00%

BanColombia 60 2.14% 6 meses

Las entidades escogidas manejan un alto grado de responsabilidad y credibilidad financiera, con alto compromiso con la so

En general y despus de el estudio anterior independientemente de la entidad financiera, es importante reconocer qu se p

puede ser, y nosotros como clientes no indagamos lo sufiente para descubrir esta apreciacin, adema del interes esta los se

Consideramos que la Superintendencia Bancaria informa constantes de estas tasas de interes y se recomienda compararlas
no es lo mismo que una tasa mensual anticipada. Asi nosotros como clientes se puede decir que cada milsima en la tasa
UADRO RESUMEN

GARANTIAS COSTOS ADICIONALES Cuota a pagar

Activos de empresa y los bienes Estudio de crdito $ 58,000

$ 317,000
del rep. Legal
Seguro $ 259,000 $ 4,941,195.9

Estudio de crdito $ 47,000

Los activos de la empresa y $ 283,000
Bienes del rep legal
Seguro $ 236,000 $ 5,893,346.1

Fondo Nacional de Garanta

2,30% sobre valor de Credito, se Estudio de crdito $ 45,000
$ 295,000
descuento cuando se hacce el
desembolso
Seguro $ 250,000 $ 4,714,257.0

dad financiera, con alto compromiso con la socieda y permiten acceder a sus creditos a un tasa de interes manejable

ad financiera, es importante reconocer qu se paga un monto bastante considerable a lo que se piensa

esta apreciacin, adema del interes esta los seguros de vida, las tasas contributivas y otros cosots financieros que se generan.

tasas de interes y se recomienda compararlas con modalidades similares, pues una tasa de anual vencida
se puede decir que cada milsima en la tasa pactada, puede significar un gran ahorro o costo.
es manejable

cieros que se generan.