Credito 50000000

Interes mens 1.30%

n=nper 72

Que pasa si se hace un abono mensual sumado a la c

Cuota -$ 1,073,610.45 1) Disminuye tiempo
2) Disminuye cuota
No. Cuota Cuota Intereses Saldo
0 -$ 1,073,610.45 50000000
1 -$ 1,073,610.45 650000 $ 49,576,389.55
2 -$ 1,073,610.45 ### $ 49,147,272.17
3 -$ 1,073,610.45 638914.538 $ 48,712,576.26
4 -$ 1,073,610.45 ### $ 48,272,229.30
5 -$ 1,073,610.45 627538.981 $ 47,826,157.83
6 -$ 1,073,610.45 ### $ 47,374,287.44
7 -$ 1,073,610.45 615865.737 $ 46,916,542.72
8 -$ 1,073,610.45 ### $ 46,452,847.33
9 -$ 1,073,610.45 603887.015 $ 45,983,123.90
10 -$ 1,073,610.45 ### $ 45,507,294.06
11 -$ 1,073,610.45 591594.823 $ 45,025,278.44
12 -$ 1,073,610.45 ### $ 44,536,996.61
13 -$ 1,073,610.45 578980.956 $ 44,042,367.11
14 -$ 1,073,610.45 ### $ 43,541,307.44
15 -$ 1,073,610.45 566036.997 $ 43,033,733.99
16 -$ 1,073,610.45 ### $ 42,519,562.08
17 -$ 1,073,610.45 552754.307 $ 41,998,705.94
18 -$ 1,073,610.45 ### $ 41,471,078.67
19 -$ 1,073,610.45 539124.023 $ 40,936,592.24
20 -$ 1,073,610.45 ### $ 40,395,157.49
21 -$ 1,073,610.45 525137.047 $ 39,846,684.09
22 -$ 1,073,610.45 ### $ 39,291,080.54
23 -$ 1,073,610.45 510784.047 $ 38,728,254.14
24 -$ 1,073,610.45 ### $ 38,158,110.99
25 -$ 1,073,610.45 496055.443 $ 37,580,555.98
26 -$ 1,073,610.45 ### $ 36,995,492.76
27 -$ 1,073,610.45 480941.406 $ 36,402,823.72
28 -$ 1,073,610.45 ### $ 35,802,449.98
29 -$ 1,073,610.45 465431.85 $ 35,194,271.38
30 -$ 1,073,610.45 ### $ 34,578,186.46
31 -$ 1,073,610.45 449516.424 $ 33,954,092.44
32 -$ 1,073,610.45 ### $ 33,321,885.19
33 -$ 1,073,610.45 433184.507 $ 32,681,459.25
34 -$ 1,073,610.45 ### $ 32,032,707.77
35 -$ 1,073,610.45 416425.201 $ 31,375,522.53
36 -$ 1,073,610.45 ### $ 30,709,793.87
37 -$ 1,073,610.45 399227.32 $ 30,035,410.74
38 -$ 1,073,610.45 ### $ 29,352,260.63
39 -$ 1,073,610.45 381579.388 $ 28,660,229.57
40 -$ 1,073,610.45 ### $ 27,959,202.11
41 -$ 1,073,610.45 363469.627 $ 27,249,061.29
42 -$ 1,073,610.45 ### $ 26,529,688.64
43 -$ 1,073,610.45 344885.952 $ 25,800,964.14
44 -$ 1,073,610.45 ### $ 25,062,766.23
45 -$ 1,073,610.45 325815.961 $ 24,314,971.74
46 -$ 1,073,610.45 ### $ 23,557,455.92
47 -$ 1,073,610.45 306246.927 $ 22,790,092.40
48 -$ 1,073,610.45 ### $ 22,012,753.15
49 -$ 1,073,610.45 286165.791 $ 21,225,308.50
50 -$ 1,073,610.45 ### $ 20,427,627.06
51 -$ 1,073,610.45 265559.152 $ 19,619,575.76
52 -$ 1,073,610.45 ### $ 18,801,019.80
53 -$ 1,073,610.45 244413.257 $ 17,971,822.61
54 -$ 1,073,610.45 ### $ 17,131,845.85
55 -$ 1,073,610.45 222713.996 $ 16,280,949.40
56 -$ 1,073,610.45 ### $ 15,418,991.30
57 -$ 1,073,610.45 200446.887 $ 14,545,827.73
58 -$ 1,073,610.45 ### $ 13,661,313.05
59 -$ 1,073,610.45 177597.07 $ 12,765,299.67
60 -$ 1,073,610.45 ### $ 11,857,638.11
61 -$ 1,073,610.45 154149.295 $ 10,938,176.96
62 -$ 1,073,610.45 ### $ 10,006,762.81
63 -$ 1,073,610.45 130087.917 $ 9,063,240.28
64 -$ 1,073,610.45 ### $ 8,107,451.96
65 -$ 1,073,610.45 105396.875 $ 7,139,238.38
66 -$ 1,073,610.45 $ 92,810.10 $ 6,158,438.04
67 -$ 1,073,610.45 80059.6945 $ 5,164,887.28
68 -$ 1,073,610.45 $ 67,143.53 $ 4,158,420.37
69 -$ 1,073,610.45 54059.4648 $ 3,138,869.38
70 -$ 1,073,610.45 $ 40,805.30 $ 2,106,064.24
71 -$ 1,073,610.45 27378.8351 $ 1,059,832.62
72 -$ 1,073,610.45 $ 13,777.82 -$ 0.00
no mensual sumado a la cuota
Credito 50000000
Interes mens 1.30%
n=nper 72

Que pasa si se hace un abono mensu

Cuota -$ 1,073,610.45 4657182.694 1) Disminuye tiempo
2) Disminuye cuota
No. Cuota Cuota Intereses Abono Saldo
0 -$ 1,073,610 $ 50,000,000
1 -$ 1,073,610 $ 650,000 -$ 100,000 $ 49,476,390
2 -$ 1,073,610 $ 643,193 -$ 100,000 $ 48,945,972
3 -$ 1,073,610 $ 636,298 -$ 100,000 $ 48,408,659
4 -$ 1,073,610 $ 629,313 -$ 100,000 $ 47,864,361
5 -$ 1,073,610 $ 622,237 -$ 100,000 $ 47,312,988
6 -$ 1,073,610 $ 615,069 -$ 100,000 $ 46,754,446
7 -$ 1,073,610 $ 607,808 -$ 100,000 $ 46,188,643
8 -$ 1,073,610 $ 600,452 -$ 100,000 $ 45,615,485
9 -$ 1,073,610 $ 593,001 -$ 100,000 $ 45,034,876
10 -$ 1,073,610 $ 585,453 -$ 100,000 $ 44,446,719
11 -$ 1,073,610 $ 577,807 -$ 100,000 $ 43,850,916
12 -$ 1,073,610 $ 570,062 -$ 100,000 $ 43,247,368
13 -$ 1,073,610 $ 562,216 -$ 100,000 $ 42,635,973
14 -$ 1,073,610 $ 554,268 -$ 100,000 $ 42,016,630
15 -$ 1,073,610 $ 546,216 -$ 100,000 $ 41,389,236
16 -$ 1,073,610 $ 538,060 -$ 100,000 $ 40,753,685
17 -$ 1,073,610 $ 529,798 -$ 100,000 $ 40,109,873
18 -$ 1,073,610 $ 521,428 -$ 100,000 $ 39,457,691
19 -$ 1,073,610 $ 512,950 -$ 100,000 $ 38,797,030
20 -$ 1,073,610 $ 504,361 -$ 100,000 $ 38,127,781
21 -$ 1,073,610 $ 495,661 -$ 100,000 $ 37,449,832
22 -$ 1,073,610 $ 486,848 -$ 100,000 $ 36,763,069
23 -$ 1,073,610 $ 477,920 -$ 100,000 $ 36,067,379
24 -$ 1,073,610 $ 468,876 -$ 100,000 $ 35,362,644
25 -$ 1,073,610 $ 459,714 -$ 100,000 $ 34,648,748
26 -$ 1,073,610 $ 450,434 -$ 100,000 $ 33,925,571
27 -$ 1,073,610 $ 441,032 -$ 100,000 $ 33,192,993
28 -$ 1,073,610 $ 431,509 -$ 100,000 $ 32,450,892
29 -$ 1,073,610 $ 421,862 -$ 100,000 $ 31,699,143
30 -$ 1,073,610 $ 412,089 -$ 100,000 $ 30,937,622
31 -$ 1,073,610 $ 402,189 -$ 100,000 $ 30,166,200
32 -$ 1,073,610 $ 392,161 -$ 100,000 $ 29,384,750
33 -$ 1,073,610 $ 382,002 -$ 100,000 $ 28,593,142
34 -$ 1,073,610 $ 371,711 -$ 100,000 $ 27,791,242
35 -$ 1,073,610 $ 361,286 -$ 100,000 $ 26,978,918
36 -$ 1,073,610 $ 350,726 -$ 100,000 $ 26,156,033
37 -$ 1,073,610 $ 340,028 -$ 100,000 $ 25,322,451
38 -$ 1,073,610 $ 329,192 -$ 100,000 $ 24,478,033
39 -$ 1,073,610 $ 318,214 -$ 100,000 $ 23,622,637
40 -$ 1,073,610 $ 307,094 -$ 100,000 $ 22,756,120
41 -$ 1,073,610 $ 295,830 -$ 100,000 $ 21,878,339
42 -$ 1,073,610 $ 284,418 -$ 100,000 $ 20,989,147
43 -$ 1,073,610 $ 272,859 -$ 100,000 $ 20,088,396
44 -$ 1,073,610 $ 261,149 -$ 100,000 $ 19,175,935
45 -$ 1,073,610 $ 249,287 -$ 100,000 $ 18,251,611
46 -$ 1,073,610 $ 237,271 -$ 100,000 $ 17,315,272
47 -$ 1,073,610 $ 225,099 -$ 100,000 $ 16,366,760
48 -$ 1,073,610 $ 212,768 -$ 100,000 $ 15,405,917
49 -$ 1,073,610 $ 200,277 -$ 100,000 $ 14,432,584
50 -$ 1,073,610 $ 187,624 -$ 100,000 $ 13,446,597
51 -$ 1,073,610 $ 174,806 -$ 100,000 $ 12,447,792
52 -$ 1,073,610 $ 161,821 -$ 100,000 $ 11,436,003
53 -$ 1,073,610 $ 148,668 -$ 100,000 $ 10,411,061
54 -$ 1,073,610 $ 135,344 -$ 100,000 $ 9,372,794
55 -$ 1,073,610 $ 121,846 -$ 100,000 $ 8,321,030
56 -$ 1,073,610 $ 108,173 -$ 100,000 $ 7,255,593
57 -$ 1,073,610 $ 94,323 -$ 100,000 $ 6,176,305
58 -$ 1,073,610 $ 80,292 -$ 100,000 $ 5,082,987
59 -$ 1,073,610 $ 66,079 -$ 100,000 $ 3,975,455
60 -$ 1,073,610 $ 51,681 -$ 100,000 $ 2,853,525
61 -$ 1,073,610 $ 37,096 -$ 100,000 $ 1,717,011
62 -$ 1,073,610 $ 22,321 -$ 100,000 $ 565,722
63 -$ 473,076 $ 7,354 -$ 100,000 $ -
-$ 67,036,924 $ 23,336,924
Que pasa si se hace un abono mensual sumado a la cuota
isminuye tiempo
isminuye cuota
Credito 50000000
Interes mens 1.30%
n=nper 72

Que pasa si se hace un abono men

Cuota -$ 1,073,610.45 1) Disminuye tiempo
2) Disminuye cuota
No. Cuota Cuota Intereses Abono Saldo
0 -$ 1,073,610.45 50000000
1 -$ 1,073,610.45 650000 100000 $ 49,476,389.55
2 -$ 1,071,444.88 $ 643,193.06 100000 $ 48,948,137.74
3 -$ 1,069,260.40 636325.790561 100000 $ 48,415,203.12
4 -$ 1,067,056.43 $ 629,397.64 100000 $ 47,877,544.33
5 -$ 1,064,832.36 622408.076265 100000 $ 47,335,120.04
6 -$ 1,062,587.54 $ 615,356.56 100000 $ 46,787,889.06
7 -$ 1,060,321.31 608242.557833 100000 $ 46,235,810.31
8 -$ 1,058,032.97 $ 601,065.53 100000 $ 45,678,842.88
9 -$ 1,055,721.79 593824.957377 100000 $ 45,116,946.05
10 -$ 1,053,386.99 $ 586,520.30 100000 $ 44,550,079.35
11 -$ 1,051,027.79 579151.031552 100000 $ 43,978,202.59
12 -$ 1,048,643.33 $ 571,716.63 100000 $ 43,401,275.90
13 -$ 1,046,232.72 564216.586683 100000 $ 42,819,259.76
14 -$ 1,043,795.05 $ 556,650.38 100000 $ 42,232,115.09
15 -$ 1,041,329.32 549017.496181 100000 $ 41,639,803.27
16 -$ 1,038,834.51 $ 541,317.44 100000 $ 41,042,286.20
17 -$ 1,036,309.53 533549.720639 100000 $ 40,439,526.40
18 -$ 1,033,753.23 $ 525,713.84 100000 $ 39,831,487.01
19 -$ 1,031,164.42 517809.331075 100000 $ 39,218,131.92
20 -$ 1,028,541.80 $ 509,835.71 100000 $ 38,599,425.84
21 -$ 1,025,884.03 501792.535887 100000 $ 37,975,334.35
22 -$ 1,023,189.67 $ 493,679.35 100000 $ 37,345,824.02
23 -$ 1,020,457.22 485495.712223 100000 $ 36,710,862.51
24 -$ 1,017,685.06 $ 477,241.21 100000 $ 36,070,418.66
25 -$ 1,014,871.47 468915.442614 100000 $ 35,424,462.63
26 -$ 1,012,014.65 $ 460,518.01 100000 $ 34,772,966.00
27 -$ 1,009,112.65 452048.557939 100000 $ 34,115,901.91
28 -$ 1,006,163.40 $ 443,506.72 100000 $ 33,453,245.24
29 -$ 1,003,164.69 434892.188061 100000 $ 32,784,972.73
30 -$ 1,000,114.16 $ 426,204.65 100000 $ 32,111,063.22
31 -$ 997,009.29 417443.821813 100000 $ 31,431,497.75
32 -$ 993,847.34 $ 408,609.47 100000 $ 30,746,259.89
33 -$ 990,625.40 399701.378508 100000 $ 30,055,335.86
34 -$ 987,340.33 $ 390,719.37 100000 $ 29,358,714.90
35 -$ 983,988.72 381663.293753 100000 $ 28,656,389.48
36 -$ 980,566.91 $ 372,533.06 100000 $ 27,948,355.63
37 -$ 977,070.92 363328.62323 100000 $ 27,234,613.33
38 -$ 973,496.44 $ 354,049.97 100000 $ 26,515,166.87
39 -$ 969,838.76 344697.169274 100000 $ 25,790,025.27
40 -$ 966,092.77 $ 335,270.33 100000 $ 25,059,202.83
41 -$ 962,252.85 325769.636789 100000 $ 24,322,719.61
42 -$ 958,312.86 $ 316,195.35 100000 $ 23,580,602.11
43 -$ 954,266.04 306547.827392 100000 $ 22,832,883.90
44 -$ 950,104.91 $ 296,827.49 100000 $ 22,079,606.48
45 -$ 945,821.22 287034.884231 100000 $ 21,320,820.14
46 -$ 941,405.79 $ 277,170.66 100000 $ 20,556,585.01
47 -$ 936,848.38 267235.605107 100000 $ 19,786,972.23
48 -$ 932,137.52 $ 257,230.64 100000 $ 19,012,065.35
49 -$ 927,260.30 247156.849612 100000 $ 18,231,961.91
50 -$ 922,202.13 $ 237,015.50 100000 $ 17,446,775.28
51 -$ 916,946.46 226808.078622 100000 $ 16,656,636.90
52 -$ 911,474.32 $ 216,536.28 100000 $ 15,861,698.86
53 -$ 905,763.93 206202.08524 100000 $ 15,062,137.02
54 -$ 899,790.08 $ 195,807.78 100000 $ 14,258,154.72
55 -$ 893,523.33 185356.011359 100000 $ 13,449,987.41
56 -$ 886,929.05 $ 174,849.84 100000 $ 12,637,908.19
57 -$ 879,966.14 164292.806476 100000 $ 11,822,234.86
58 -$ 872,585.26 $ 153,689.05 100000 $ 11,003,338.65
59 -$ 864,726.49 143043.40244 100000 $ 10,181,655.56
60 -$ 856,316.11 $ 132,361.52 100000 $ 9,357,700.97
61 -$ 847,261.94 121650.112568 100000 $ 8,532,089.13
62 -$ 837,446.69 $ 110,917.16 100000 $ 7,705,559.61
63 -$ 826,717.84 100172.274901 100000 $ 6,879,014.05
64 -$ 814,872.07 $ 89,427.18 100000 $ 6,053,569.16
65 -$ 801,629.80 78696.3990839 100000 $ 5,230,635.76
66 -$ 786,591.64 $ 67,998.26 100000 $ 4,412,042.39
67 -$ 769,158.47 57356.5510304 100000 $ 3,600,240.46
68 -$ 748,371.76 $ 46,803.13 100000 $ 2,798,671.83
69 -$ 722,554.01 36382.7337988 100000 $ 2,012,500.55
70 -$ 688,350.28 $ 26,162.51 100000 $ 1,250,312.78
71 -$ 637,373.18 16254.0661331 100000 $ 529,193.66
72 -$ 536,073.18 $ 6,879.52 0 $ 0.00
-$ 68,323,454.73 $ 25,423,454.73
Que pasa si se hace un abono mensual sumado a la cuota
isminuye tiempo
isminuye cuota
Credito $ 30,000,000
Interes mens 1.56% Mitad: Dulicar la cuota-reduce
n=nper 60 Abono incremental
100000
150000 Disminuye plazo
Cuota -$ 773,601.84 200000 Disminuye cuota

No. Cuota Cuota Intereses Saldo

0 -$ 773,602 $ 30,000,000
1 -$ 773,602 $ 468,000 $ 29,694,398
2 -$ 773,602 $ 463,233 $ 29,384,029
3 -$ 773,602 $ 458,391 $ 29,068,818
4 -$ 773,602 $ 453,474 $ 28,748,690
5 -$ 773,602 $ 448,480 $ 28,423,567
6 -$ 773,602 $ 443,408 $ 28,093,373
7 -$ 773,602 $ 438,257 $ 27,758,028
8 -$ 773,602 $ 433,025 $ 27,417,451
9 -$ 773,602 $ 427,712 $ 27,071,562
10 -$ 773,602 $ 422,316 $ 26,720,276
11 -$ 773,602 $ 416,836 $ 26,363,511
12 -$ 773,602 $ 411,271 $ 26,001,180
13 -$ 773,602 $ 405,618 $ 25,633,196
14 -$ 773,602 $ 399,878 $ 25,259,472
15 -$ 773,602 $ 394,048 $ 24,879,918
16 -$ 773,602 $ 388,127 $ 24,494,443
17 -$ 773,602 $ 382,113 $ 24,102,955
18 -$ 773,602 $ 376,006 $ 23,705,359
19 -$ 773,602 $ 369,804 $ 23,301,561
20 -$ 773,602 $ 363,504 $ 22,891,463
21 -$ 773,602 $ 357,107 $ 22,474,968
22 -$ 773,602 $ 350,610 $ 22,051,976
23 -$ 773,602 $ 344,011 $ 21,622,385
24 -$ 773,602 $ 337,309 $ 21,186,092
25 -$ 773,602 $ 330,503 $ 20,742,993
26 -$ 773,602 $ 323,591 $ 20,292,982
27 -$ 773,602 $ 316,571 $ 19,835,951
28 -$ 773,602 $ 309,441 $ 19,371,790
29 -$ 773,602 $ 302,200 $ 18,900,388
30 -$ 1,547,204 $ 294,846 $ 17,648,030
31 -$ 1,547,204 $ 275,309 $ 16,376,136
32 -$ 1,547,204 $ 255,468 $ 15,084,400
33 -$ 1,547,204 $ 235,317 $ 13,772,513
34 -$ 1,547,204 $ 214,851 $ 12,440,161
35 -$ 1,547,204 $ 194,067 $ 11,087,023
36 -$ 1,547,204 $ 172,958 $ 9,712,777
 37 -$ 1,547,204 $ 151,519 $ 8,317,093
38 -$ 1,547,204 $ 129,747 $ 6,899,636
39 -$ 1,547,204 $ 107,634 $ 5,460,067
40 -$ 1,547,204 $ 85,177 $ 3,998,040
41 -$ 1,547,204 $ 62,369 $ 2,513,206
42 -$ 1,547,204 $ 39,206 $ 1,005,208
43 -$ 1,020,889 $ 15,681 $0
Suma -$ 44,342,592 ###
la cuota-reduce

isminuye plazo
isminuye cuota
Credito $ 30,000,000
Interes mens 1.56% Mitad: Dulicar la cuota-re
n=nper 60 Abono incremental
100000
150000
Cuota -$ 773,601.84 200000

No. Cuota Cuota Intereses Abono Saldo

0 -$ 773,602 $ 30,000,000
1 -$ 773,602 $ 468,000 $ 100,000 $ 29,594,398
2 -$ 773,602 $ 461,673 $ 150,000 $ 29,132,469
3 -$ 773,602 $ 454,467 $ 200,000 $ 28,613,334
4 -$ 773,602 $ 446,368 $ 250,000 $ 28,036,100
5 -$ 773,602 $ 437,363 $ 300,000 $ 27,399,861
6 -$ 773,602 $ 427,438 $ 350,000 $ 26,703,697
7 -$ 773,602 $ 416,578 $ 400,000 $ 25,946,673
8 -$ 773,602 $ 404,768 $ 450,000 $ 25,127,839
9 -$ 773,602 $ 391,994 $ 500,000 $ 24,246,232
10 -$ 773,602 $ 378,241 $ 550,000 $ 23,300,871
11 -$ 773,602 $ 363,494 $ 600,000 $ 22,290,763
12 -$ 773,602 $ 347,736 $ 650,000 $ 21,214,897
13 -$ 773,602 $ 330,952 $ 700,000 $ 20,072,247
14 -$ 773,602 $ 313,127 $ 750,000 $ 18,861,773
15 -$ 773,602 $ 294,244 $ 800,000 $ 17,582,414
16 -$ 773,602 $ 274,286 $ 850,000 $ 16,233,098
17 -$ 773,602 $ 253,236 $ 900,000 $ 14,812,733
18 -$ 773,602 $ 231,079 $ 950,000 $ 13,320,210
19 -$ 773,602 $ 207,795 $ 1,000,000 $ 11,754,403
20 -$ 773,602 $ 183,369 $ 1,050,000 $ 10,114,170
21 -$ 773,602 $ 157,781 $ 1,100,000 $ 8,398,349
22 -$ 773,602 $ 131,014 $ 1,150,000 $ 6,605,761
23 -$ 773,602 $ 103,050 $ 1,200,000 $ 4,735,210
24 -$ 773,602 $ 73,869 $ 1,250,000 $ 2,785,477
25 -$ 773,602 $ 43,453 $ 1,300,000 $ 755,329
26 -$ 767,112 $ 11,783 $0 $0
Suma -$ 20,880,759 $ 7,607,158
Mitad: Dulicar la cuota-reduce
bono incremental

Disminuye plazo
Disminuye cuota
Credito $ 30,000,000
Interes mens 1.56% Mitad: Dulicar la cuota-red
n=nper 60 Abono incremental
100000
150000
Cuota -$ 773,601.84 200000

No. Cuota Cuota Intereses Abono Saldo

0 -$ 773,602 $ 30,000,000 Esta opción presenta mayor viabilida
incrementan 1'000.000 las cuotas se r
1 -$ 773,602 $ 468,000 $ 100,000 $ 29,594,398 respecto a la disminución de tiempo. D
2 -$ 770,997 $ 461,673 $ 150,000 $ 29,135,074 opción sobre el duplicado de cuotas a m
3 -$ 767,048 $ 454,507 $ 200,000 $ 28,622,534 es ma
4 -$ 761,725 $ 446,512 $ 250,000 $ 28,057,320
5 -$ 754,998 $ 437,694 $ 300,000 $ 27,440,017
6 -$ 746,833 $ 428,064 $ 350,000 $ 26,771,248
7 -$ 737,195 $ 417,631 $ 400,000 $ 26,051,685
8 -$ 726,047 $ 406,406 $ 450,000 $ 25,282,045
9 -$ 713,350 $ 394,400 $ 500,000 $ 24,463,095
10 -$ 699,062 $ 381,624 $ 550,000 $ 23,595,657
11 -$ 683,138 $ 368,092 $ 600,000 $ 22,680,611
12 -$ 665,532 $ 353,818 $ 650,000 $ 21,718,896
13 -$ 646,193 $ 338,815 $ 700,000 $ 20,711,518
14 -$ 625,067 $ 323,100 $ 750,000 $ 19,659,551
15 -$ 602,097 $ 306,689 $ 800,000 $ 18,564,142
16 -$ 577,223 $ 289,601 $ 850,000 $ 17,426,520
17 -$ 550,377 $ 271,854 $ 900,000 $ 16,247,997
18 -$ 521,491 $ 253,469 $ 950,000 $ 15,029,974
19 -$ 490,489 $ 234,468 $ 1,000,000 $ 13,773,953
20 -$ 457,289 $ 214,874 $ 1,050,000 $ 12,481,537
21 -$ 421,805 $ 194,712 $ 1,100,000 $ 11,154,444
22 -$ 383,943 $ 174,009 $ 1,150,000 $ 9,794,510
23 -$ 343,600 $ 152,794 $ 1,200,000 $ 8,403,705
24 -$ 300,666 $ 131,098 $ 1,250,000 $ 6,984,137
25 -$ 255,023 $ 108,953 $ 1,300,000 $ 5,538,066
26 -$ 206,540 $ 86,394 $ 1,350,000 $ 4,067,920
27 -$ 155,076 $ 63,460 $ 1,400,000 $ 2,576,304
28 -$ 100,476 $ 40,190 $ 1,450,000 $ 1,066,018
29 -$ 1,082,648 $ 16,630 $0 $0
Suma -$ 17,293,131 $ 8,219,529
Mitad: Dulicar la cuota-reduce
bono incremental

Disminuye plazo
Disminuye cuota

n presenta mayor viabilidad puesto que aunque los intereses

1'000.000 las cuotas se reducen 2'000.000 aproximadamente
disminución de tiempo. Del mismo modo, se descarta la primera
el duplicado de cuotas a mitad de tiempo ya que el valor pagado
es mayor.