DATOS INICIALES

CREDITO HIPOTECARIO PESOS Y UVR

CREDITO HIPOPTECARIO
UVR
PLAZO
TASA EFECTIVA
FRECUENCIA DE PAGOS

VARIABLES

MONTO
No. De pagos / años
No. De periodos (Cuotas)
Tasa Periodica
 Unidad de valor real (U

La unidad de valor real (UVR

precios al consumidor (IPC).
vivienda que le permite a las

Para el 2019, con la resoluc

$ 300,000,000 (UVT), la cual se utiliza para
$ 8,754
20 AÑOS
16.64% E.A.V.
MENSUAL Si elegimos un crédito

Cuota constante en
$ 300,000,000 En esta modalidad, pagarás
12 Esto porque para calcular cu
240
1.2909457% E.M.V. Es probable, que el saldo de

Cuota constante a
En esta modalidad, la cuota
Como haces mayores abono

Cuota cíclica
En esta modalidad, pagarás
La diferencia, es que en el si
En el sistema de cuota cíclic
Mientras tanto, el valor de las
 nidad de valor real (UVR)

a unidad de valor real (UVR) es una unidad de cuenta que refleja el poder adquisitivo de la moneda con base en la v
ecios al consumidor (IPC). La UVR es certificada por el Banco de la República y es usada para calcular el costo de
vienda que le permite a las entidades financieras mantener el poder adquisitivo del dinero prestado. 
https://www.banrep.gov.co/es/estadisticas

ara el 2019, con la resolución de la Dirección de Impuestos y Aduanas Nacionales (Dian), se fijó en $34.270 la Uni
UVT), la cual se utiliza para el cálculo de impuestos que deben declarar y pagar personas naturales y jurídicas.

i elegimos un crédito hipotecario en UVR, tendremos que escoger entre los siguientes tres s

Cuota constante en UVR (Cuota baja)

n esta modalidad, pagarás siempre la misma cuota en Unidades de Valor Real. Sin embargo, a medida que la inflaci
sto porque para calcular cuánto tienes que pagar, habrá que multiplicar el valor de la UVR por el número de unidade

s probable, que el saldo de tu crédito en pesos aumente durante los primeros años del mismo, porque harás abonos

Cuota constante a capital en UVR (Cuota media) 

n esta modalidad, la cuota en UVR irá disminuyendo. Esto significa, que empezarás pagando cuotas altas en pesos,
omo haces mayores abonos a capital, verás que el saldo de tu crédito debe empezar a bajar a un mayor ritmo que c

Cuota cíclica
n esta modalidad, pagarás siempre la misma cuota en Unidades de Valor Real. En el fondo, funciona de la misma fo
a diferencia, es que en el sistema de cuota baja, tus cuotas cambian mensualmente de acuerdo con el comportamie
n el sistema de cuota cíclica, tus cuotas cambian anualmente, también de acuerdo con el comportamiento de la infla
ientras tanto, el valor de las cuotas puede ir disminuyendo durante el año. Al empezar un nuevo año, vuelven a aum
neda con base en la variación del índice de
a calcular el costo de los créditos de
stado.  
nrep.gov.co/es/estadisticas/unidad-valor-real-uvr

fijó en $34.270 la Unidad de Valor Tributario

urales y jurídicas.

s siguientes tres sistemas de amortización:

a medida que la inflación aumente, el valor a pagar en pesos aumentará también.

el número de unidades de tu cuota.

, porque harás abonos más pequeños a capital que con otros sistemas.

cuotas altas en pesos, y poco a poco irán bajando.

a un mayor ritmo que con el primer sistema de amortización.

unciona de la misma forma que en el primer sistema.

do con el comportamiento de la inflación.
portamiento de la inflación.
vo año, vuelven a aumentar por la actualización a la inflación.
TABLA DE AMORTIZACIÓN COTA FIJA

AMORTIZACION CUOTA FIJA

Valor presente ( vp )

Numero de cuotas ( n )

Tasa de interes ( i )

Cuota ( r )

PERIODO SALDO INTERES

0 $ 300,000,000.00
1 $ 299,813,127.79 $ 3,872,837.09
2 $ 299,623,843.17 $ 3,870,424.67
3 $ 299,432,114.98 $ 3,867,981.11
4 $ 299,237,911.68 $ 3,865,506.00
5 $ 299,041,201.33 $ 3,862,998.94
6 $ 298,841,951.55 $ 3,860,459.52
7 $ 298,640,129.57 $ 3,857,887.31
8 $ 298,435,702.17 $ 3,855,281.90
9 $ 298,228,635.73 $ 3,852,642.85
10 $ 298,018,896.17 $ 3,849,969.74
11 $ 297,806,448.98 $ 3,847,262.11
12 $ 297,591,259.22 $ 3,844,519.54
13 $ 297,373,291.48 $ 3,841,741.55
14 $ 297,152,509.89 $ 3,838,927.71
15 $ 296,928,878.13 $ 3,836,077.54
16 $ 296,702,359.41 $ 3,833,190.57
17 $ 296,472,916.45 $ 3,830,266.34
18 $ 296,240,511.51 $ 3,827,304.36
19 $ 296,005,106.35 $ 3,824,304.13
20 $ 295,766,662.23 $ 3,821,265.18
21 $ 295,525,139.93 $ 3,818,187.00
22 $ 295,280,499.71 $ 3,815,069.08
23 $ 295,032,701.32 $ 3,811,910.90
24 $ 294,781,703.98 $ 3,808,711.96
25 $ 294,527,466.41 $ 3,805,471.72
26 $ 294,269,946.76 $ 3,802,189.65
27 $ 294,009,102.68 $ 3,798,865.21
28 $ 293,744,891.24 $ 3,795,497.86
29 $ 293,477,268.97 $ 3,792,087.03
30 $ 293,206,191.85 $ 3,788,632.17
31 $ 292,931,615.27 $ 3,785,132.72
32 $ 292,653,494.05 $ 3,781,588.08
33 $ 292,371,782.44 $ 3,777,997.69
34 $ 292,086,434.09 $ 3,774,360.94
35 $ 291,797,402.04 $ 3,770,677.25
36 $ 291,504,638.75 $ 3,766,946.00
37 $ 291,208,096.04 $ 3,763,166.59
38 $ 290,907,725.13 $ 3,759,338.38
39 $ 290,603,476.59 $ 3,755,460.76
40 $ 290,295,300.36 $ 3,751,533.07
41 $ 289,983,145.75 $ 3,747,554.69
42 $ 289,666,961.40 $ 3,743,524.94
43 $ 289,346,695.27 $ 3,739,443.17
44 $ 289,022,294.69 $ 3,735,308.71
45 $ 288,693,706.26 $ 3,731,120.87
46 $ 288,360,875.94 $ 3,726,878.98
47 $ 288,023,748.96 $ 3,722,582.32
48 $ 287,682,269.86 $ 3,718,230.19
49 $ 287,336,382.44 $ 3,713,821.88
50 $ 286,986,029.81 $ 3,709,356.66
51 $ 286,631,154.32 $ 3,704,833.80
52 $ 286,271,697.57 $ 3,700,252.55
53 $ 285,907,600.43 $ 3,695,612.16
54 $ 285,538,803.00 $ 3,690,911.86
55 $ 285,165,244.59 $ 3,686,150.89
56 $ 284,786,863.75 $ 3,681,328.45
57 $ 284,403,598.21 $ 3,676,443.76
58 $ 284,015,384.92 $ 3,671,496.01
59 $ 283,622,160.02 $ 3,666,484.39
60 $ 283,223,858.79 $ 3,661,408.07
61 $ 282,820,415.71 $ 3,656,266.22
62 $ 282,411,764.40 $ 3,651,057.98
63 $ 281,997,837.62 $ 3,645,782.52
64 $ 281,578,567.27 $ 3,640,438.95
65 $ 281,153,884.37 $ 3,635,026.40
66 $ 280,723,719.04 $ 3,629,543.97
67 $ 280,288,000.51 $ 3,623,990.77
68 $ 279,846,657.10 $ 3,618,365.88
69 $ 279,399,616.18 $ 3,612,668.38
 70 $ 278,946,804.20 $ 3,606,897.32
71 $ 278,488,146.67 $ 3,601,051.76
72 $ 278,023,568.11 $ 3,595,130.74
73 $ 277,552,992.10 $ 3,589,133.29
74 $ 277,076,341.21 $ 3,583,058.41
75 $ 276,593,537.02 $ 3,576,905.10
76 $ 276,104,500.09 $ 3,570,672.36
77 $ 275,609,149.95 $ 3,564,359.16
78 $ 275,107,405.11 $ 3,557,964.46
79 $ 274,599,183.02 $ 3,551,487.21
80 $ 274,084,400.06 $ 3,544,926.34
81 $ 273,562,971.53 $ 3,538,280.77
82 $ 273,034,811.64 $ 3,531,549.41
83 $ 272,499,833.50 $ 3,524,731.15
84 $ 271,957,949.07 $ 3,517,824.87
85 $ 271,409,069.21 $ 3,510,829.44
86 $ 270,853,103.62 $ 3,503,743.70
87 $ 270,289,960.80 $ 3,496,566.48
88 $ 269,719,548.12 $ 3,489,296.62
89 $ 269,141,771.73 $ 3,481,932.90
90 $ 268,556,536.55 $ 3,474,474.12
91 $ 267,963,746.30 $ 3,466,919.05
92 $ 267,363,303.45 $ 3,459,266.45
93 $ 266,755,109.22 $ 3,451,515.06
94 $ 266,139,063.52 $ 3,443,663.60
95 $ 265,515,065.01 $ 3,435,710.79
96 $ 264,883,011.02 $ 3,427,655.30
97 $ 264,242,797.56 $ 3,419,495.83
98 $ 263,594,319.28 $ 3,411,231.02
99 $ 262,937,469.50 $ 3,402,859.52
100 $ 262,272,140.15 $ 3,394,379.95
101 $ 261,598,221.76 $ 3,385,790.91
102 $ 260,915,603.45 $ 3,377,090.99
103 $ 260,224,172.91 $ 3,368,278.75
104 $ 259,523,816.37 $ 3,359,352.76
105 $ 258,814,418.62 $ 3,350,311.54
106 $ 258,095,862.92 $ 3,341,153.60
107 $ 257,368,031.05 $ 3,331,877.43
108 $ 256,630,803.28 $ 3,322,481.52
109 $ 255,884,058.29 $ 3,312,964.31
110 $ 255,127,673.23 $ 3,303,324.24
111 $ 254,361,523.65 $ 3,293,559.72
112 $ 253,585,483.50 $ 3,283,669.14
113 $ 252,799,425.09 $ 3,273,650.89
114 $ 252,003,219.09 $ 3,263,503.30
115 $ 251,196,734.51 $ 3,253,224.71
116 $ 250,379,838.64 $ 3,242,813.43
117 $ 249,552,397.10 $ 3,232,267.75
118 $ 248,714,273.73 $ 3,221,585.93
119 $ 247,865,330.65 $ 3,210,766.21
120 $ 247,005,428.17 $ 3,199,806.82
121 $ 246,134,424.82 $ 3,188,705.94
122 $ 245,252,177.28 $ 3,177,461.76
123 $ 244,358,540.41 $ 3,166,072.43
124 $ 243,453,367.18 $ 3,154,536.06
125 $ 242,536,508.65 $ 3,142,850.77
126 $ 241,607,813.97 $ 3,131,014.62
127 $ 240,667,130.35 $ 3,119,025.68
128 $ 239,714,303.02 $ 3,106,881.96
129 $ 238,749,175.20 $ 3,094,581.48
130 $ 237,771,588.10 $ 3,082,122.20
131 $ 236,781,380.89 $ 3,069,502.08
132 $ 235,778,390.64 $ 3,056,719.05
133 $ 234,762,452.33 $ 3,043,770.99
134 $ 233,733,398.81 $ 3,030,655.77
135 $ 232,691,060.76 $ 3,017,371.25
136 $ 231,635,266.70 $ 3,003,915.23
137 $ 230,565,842.91 $ 2,990,285.51
138 $ 229,482,613.44 $ 2,976,479.83
139 $ 228,385,400.06 $ 2,962,495.92
140 $ 227,274,022.26 $ 2,948,331.49
141 $ 226,148,297.17 $ 2,933,984.21
142 $ 225,008,039.59 $ 2,919,451.71
143 $ 223,853,061.89 $ 2,904,731.60
144 $ 222,683,174.06 $ 2,889,821.47
145 $ 221,498,183.62 $ 2,874,718.85
146 $ 220,297,895.59 $ 2,859,421.27
147 $ 219,082,112.50 $ 2,843,926.20
148 $ 217,850,634.30 $ 2,828,231.10
149 $ 216,603,258.39 $ 2,812,333.39
150 $ 215,339,779.54 $ 2,796,230.44
151 $ 214,059,989.86 $ 2,779,919.62
152 $ 212,763,678.79 $ 2,763,398.23
153 $ 211,450,633.05 $ 2,746,663.55
154 $ 210,120,636.60 $ 2,729,712.85
155 $ 208,773,470.61 $ 2,712,543.32
156 $ 207,408,913.45 $ 2,695,152.13
157 $ 206,026,740.60 $ 2,677,536.44
158 $ 204,626,724.64 $ 2,659,693.34
159 $ 203,208,635.24 $ 2,641,619.90
160 $ 201,772,239.07 $ 2,623,313.13
161 $ 200,317,299.81 $ 2,604,770.04
162 $ 198,843,578.08 $ 2,585,987.56
163 $ 197,350,831.39 $ 2,566,962.61
164 $ 195,838,814.16 $ 2,547,692.06
165 $ 194,307,277.61 $ 2,528,172.74
166 $ 192,755,969.75 $ 2,508,401.44
167 $ 191,184,635.35 $ 2,488,374.90
168 $ 189,593,015.87 $ 2,468,089.82
169 $ 187,980,849.46 $ 2,447,542.88
170 $ 186,347,870.85 $ 2,426,730.69
171 $ 184,693,811.37 $ 2,405,649.82
172 $ 183,018,398.88 $ 2,384,296.81
173 $ 181,321,357.73 $ 2,362,668.14
174 $ 179,602,408.69 $ 2,340,760.26
175 $ 177,861,268.96 $ 2,318,569.57
176 $ 176,097,652.06 $ 2,296,092.40
177 $ 174,311,267.83 $ 2,273,325.06
178 $ 172,501,822.34 $ 2,250,263.81
179 $ 170,669,017.89 $ 2,226,904.85
180 $ 168,812,552.94 $ 2,203,244.34
181 $ 166,932,122.03 $ 2,179,278.39
182 $ 165,027,415.78 $ 2,155,003.05
183 $ 163,098,120.80 $ 2,130,414.32
184 $ 161,143,919.68 $ 2,105,508.17
185 $ 159,164,490.88 $ 2,080,280.50
186 $ 157,159,508.72 $ 2,054,727.15
187 $ 155,128,643.34 $ 2,028,843.91
188 $ 153,071,560.59 $ 2,002,626.55
189 $ 150,987,922.02 $ 1,976,070.72
190 $ 148,877,384.80 $ 1,949,172.08
191 $ 146,739,601.70 $ 1,921,926.19
192 $ 144,574,220.97 $ 1,894,328.57
193 $ 142,380,886.36 $ 1,866,374.68
194 $ 140,159,236.99 $ 1,838,059.92
195 $ 137,908,907.33 $ 1,809,379.64
196 $ 135,629,527.13 $ 1,780,329.10
197 $ 133,320,721.38 $ 1,750,903.54
198 $ 130,982,110.20 $ 1,721,098.12
199 $ 128,613,308.82 $ 1,690,907.91
200 $ 126,213,927.50 $ 1,660,327.98
201 $ 123,783,571.46 $ 1,629,353.27
202 $ 121,321,840.86 $ 1,597,978.69
203 $ 118,828,330.64 $ 1,566,199.08
204 $ 116,302,630.57 $ 1,534,009.22
205 $ 113,744,325.07 $ 1,501,403.80
206 $ 111,152,993.24 $ 1,468,377.47
207 $ 108,528,208.73 $ 1,434,924.78
208 $ 105,869,539.67 $ 1,401,040.24
209 $ 103,176,548.64 $ 1,366,718.27
210 $ 100,448,792.56 $ 1,331,953.21
211 $ 97,685,822.63 $ 1,296,739.36
212 $ 94,887,184.25 $ 1,261,070.92
213 $ 92,052,416.98 $ 1,224,942.02
214 $ 89,181,054.40 $ 1,188,346.72
215 $ 86,272,624.08 $ 1,151,278.98
216 $ 83,326,647.51 $ 1,113,732.73
217 $ 80,342,639.99 $ 1,075,701.77
218 $ 77,320,110.54 $ 1,037,179.85
219 $ 74,258,561.89 $ 998,160.64
220 $ 71,157,490.30 $ 958,637.71
221 $ 68,016,385.56 $ 918,604.56
222 $ 64,834,730.87 $ 878,054.60
223 $ 61,612,002.74 $ 836,981.17
224 $ 58,347,670.94 $ 795,377.50
225 $ 55,041,198.39 $ 753,236.75
226 $ 51,692,041.07 $ 710,551.98
227 $ 48,299,647.96 $ 667,316.18
228 $ 44,863,460.89 $ 623,522.23
229 $ 41,382,914.51 $ 579,162.92
230 $ 37,857,436.16 $ 534,230.95
231 $ 34,286,445.81 $ 488,718.94
232 $ 30,669,355.91 $ 442,619.40
233 $ 27,005,571.34 $ 395,924.73
234 $ 23,294,489.31 $ 348,627.26
235 $ 19,535,499.22 $ 300,719.21
236 $ 15,727,982.61 $ 252,192.69
237 $ 11,871,313.02 $ 203,039.71
238 $ 7,964,855.93 $ 153,252.20
239 $ 4,007,968.60 $ 102,821.96
240 $ 0.00 $ 51,740.70
$ 674,330,231.26
 300000000

240 20 AÑOS
12 CUOTAS MENSUALES
1.2909457% 240

$ 4,059,709.30

CUOTA AMORTIZACION

$ 4,059,709.30 $ 186,872.21
$ 4,059,709.30 $ 189,284.63
$ 4,059,709.30 $ 191,728.19
$ 4,059,709.30 $ 194,203.30
$ 4,059,709.30 $ 196,710.35
$ 4,059,709.30 $ 199,249.78
$ 4,059,709.30 $ 201,821.98
$ 4,059,709.30 $ 204,427.40
$ 4,059,709.30 $ 207,066.44
$ 4,059,709.30 $ 209,739.56
$ 4,059,709.30 $ 212,447.18
$ 4,059,709.30 $ 215,189.76
$ 4,059,709.30 $ 217,967.74
$ 4,059,709.30 $ 220,781.59
$ 4,059,709.30 $ 223,631.76
$ 4,059,709.30 $ 226,518.72
$ 4,059,709.30 $ 229,442.96
$ 4,059,709.30 $ 232,404.94
$ 4,059,709.30 $ 235,405.16
$ 4,059,709.30 $ 238,444.12
$ 4,059,709.30 $ 241,522.30
$ 4,059,709.30 $ 244,640.22
$ 4,059,709.30 $ 247,798.39
$ 4,059,709.30 $ 250,997.34
$ 4,059,709.30 $ 254,237.58
$ 4,059,709.30 $ 257,519.64
$ 4,059,709.30 $ 260,844.08
$ 4,059,709.30 $ 264,211.44
$ 4,059,709.30 $ 267,622.27
$ 4,059,709.30 $ 271,077.12
$ 4,059,709.30 $ 274,576.58
$ 4,059,709.30 $ 278,121.22
$ 4,059,709.30 $ 281,711.61
$ 4,059,709.30 $ 285,348.35
$ 4,059,709.30 $ 289,032.05
$ 4,059,709.30 $ 292,763.29
$ 4,059,709.30 $ 296,542.71
$ 4,059,709.30 $ 300,370.91
$ 4,059,709.30 $ 304,248.54
$ 4,059,709.30 $ 308,176.22
$ 4,059,709.30 $ 312,154.61
$ 4,059,709.30 $ 316,184.36
$ 4,059,709.30 $ 320,266.12
$ 4,059,709.30 $ 324,400.59
$ 4,059,709.30 $ 328,588.42
$ 4,059,709.30 $ 332,830.32
$ 4,059,709.30 $ 337,126.98
$ 4,059,709.30 $ 341,479.11
$ 4,059,709.30 $ 345,887.41
$ 4,059,709.30 $ 350,352.63
$ 4,059,709.30 $ 354,875.50
$ 4,059,709.30 $ 359,456.75
$ 4,059,709.30 $ 364,097.14
$ 4,059,709.30 $ 368,797.43
$ 4,059,709.30 $ 373,558.41
$ 4,059,709.30 $ 378,380.84
$ 4,059,709.30 $ 383,265.54
$ 4,059,709.30 $ 388,213.29
$ 4,059,709.30 $ 393,224.91
$ 4,059,709.30 $ 398,301.23
$ 4,059,709.30 $ 403,443.08
$ 4,059,709.30 $ 408,651.31
$ 4,059,709.30 $ 413,926.78
$ 4,059,709.30 $ 419,270.35
$ 4,059,709.30 $ 424,682.90
$ 4,059,709.30 $ 430,165.33
$ 4,059,709.30 $ 435,718.53
$ 4,059,709.30 $ 441,343.42
$ 4,059,709.30 $ 447,040.92
$ 4,059,709.30 $ 452,811.98
$ 4,059,709.30 $ 458,657.53
$ 4,059,709.30 $ 464,578.55
$ 4,059,709.30 $ 470,576.01
$ 4,059,709.30 $ 476,650.89
$ 4,059,709.30 $ 482,804.19
$ 4,059,709.30 $ 489,036.93
$ 4,059,709.30 $ 495,350.14
$ 4,059,709.30 $ 501,744.84
$ 4,059,709.30 $ 508,222.09
$ 4,059,709.30 $ 514,782.96
$ 4,059,709.30 $ 521,428.53
$ 4,059,709.30 $ 528,159.89
$ 4,059,709.30 $ 534,978.15
$ 4,059,709.30 $ 541,884.42
$ 4,059,709.30 $ 548,879.86
$ 4,059,709.30 $ 555,965.60
$ 4,059,709.30 $ 563,142.81
$ 4,059,709.30 $ 570,412.68
$ 4,059,709.30 $ 577,776.40
$ 4,059,709.30 $ 585,235.18
$ 4,059,709.30 $ 592,790.25
$ 4,059,709.30 $ 600,442.85
$ 4,059,709.30 $ 608,194.24
$ 4,059,709.30 $ 616,045.69
$ 4,059,709.30 $ 623,998.51
$ 4,059,709.30 $ 632,053.99
$ 4,059,709.30 $ 640,213.47
$ 4,059,709.30 $ 648,478.27
$ 4,059,709.30 $ 656,849.78
$ 4,059,709.30 $ 665,329.35
$ 4,059,709.30 $ 673,918.39
$ 4,059,709.30 $ 682,618.31
$ 4,059,709.30 $ 691,430.54
$ 4,059,709.30 $ 700,356.54
$ 4,059,709.30 $ 709,397.76
$ 4,059,709.30 $ 718,555.70
$ 4,059,709.30 $ 727,831.86
$ 4,059,709.30 $ 737,227.78
$ 4,059,709.30 $ 746,744.99
$ 4,059,709.30 $ 756,385.06
$ 4,059,709.30 $ 766,149.58
$ 4,059,709.30 $ 776,040.15
$ 4,059,709.30 $ 786,058.41
$ 4,059,709.30 $ 796,206.00
$ 4,059,709.30 $ 806,484.59
$ 4,059,709.30 $ 816,895.86
$ 4,059,709.30 $ 827,441.55
$ 4,059,709.30 $ 838,123.37
$ 4,059,709.30 $ 848,943.08
$ 4,059,709.30 $ 859,902.48
$ 4,059,709.30 $ 871,003.35
$ 4,059,709.30 $ 882,247.53
$ 4,059,709.30 $ 893,636.87
$ 4,059,709.30 $ 905,173.24
$ 4,059,709.30 $ 916,858.53
$ 4,059,709.30 $ 928,694.68
$ 4,059,709.30 $ 940,683.62
$ 4,059,709.30 $ 952,827.34
$ 4,059,709.30 $ 965,127.82
$ 4,059,709.30 $ 977,587.09
$ 4,059,709.30 $ 990,207.21
$ 4,059,709.30 $ 1,002,990.25
$ 4,059,709.30 $ 1,015,938.31
$ 4,059,709.30 $ 1,029,053.52
$ 4,059,709.30 $ 1,042,338.04
$ 4,059,709.30 $ 1,055,794.06
$ 4,059,709.30 $ 1,069,423.79
$ 4,059,709.30 $ 1,083,229.47
$ 4,059,709.30 $ 1,097,213.37
$ 4,059,709.30 $ 1,111,377.80
$ 4,059,709.30 $ 1,125,725.09
$ 4,059,709.30 $ 1,140,257.59
$ 4,059,709.30 $ 1,154,977.69
$ 4,059,709.30 $ 1,169,887.83
$ 4,059,709.30 $ 1,184,990.44
$ 4,059,709.30 $ 1,200,288.03
$ 4,059,709.30 $ 1,215,783.09
$ 4,059,709.30 $ 1,231,478.19
$ 4,059,709.30 $ 1,247,375.91
$ 4,059,709.30 $ 1,263,478.85
$ 4,059,709.30 $ 1,279,789.68
$ 4,059,709.30 $ 1,296,311.07
$ 4,059,709.30 $ 1,313,045.74
$ 4,059,709.30 $ 1,329,996.45
$ 4,059,709.30 $ 1,347,165.98
$ 4,059,709.30 $ 1,364,557.16
$ 4,059,709.30 $ 1,382,172.85
$ 4,059,709.30 $ 1,400,015.96
$ 4,059,709.30 $ 1,418,089.40
$ 4,059,709.30 $ 1,436,396.17
$ 4,059,709.30 $ 1,454,939.26
$ 4,059,709.30 $ 1,473,721.74
$ 4,059,709.30 $ 1,492,746.68
$ 4,059,709.30 $ 1,512,017.23
$ 4,059,709.30 $ 1,531,536.55
$ 4,059,709.30 $ 1,551,307.86
$ 4,059,709.30 $ 1,571,334.40
$ 4,059,709.30 $ 1,591,619.47
$ 4,059,709.30 $ 1,612,166.42
$ 4,059,709.30 $ 1,632,978.61
$ 4,059,709.30 $ 1,654,059.48
$ 4,059,709.30 $ 1,675,412.49
$ 4,059,709.30 $ 1,697,041.15
$ 4,059,709.30 $ 1,718,949.03
$ 4,059,709.30 $ 1,741,139.73
$ 4,059,709.30 $ 1,763,616.90
$ 4,059,709.30 $ 1,786,384.24
$ 4,059,709.30 $ 1,809,445.49
$ 4,059,709.30 $ 1,832,804.45
$ 4,059,709.30 $ 1,856,464.96
$ 4,059,709.30 $ 1,880,430.91
$ 4,059,709.30 $ 1,904,706.25
$ 4,059,709.30 $ 1,929,294.98
$ 4,059,709.30 $ 1,954,201.13
$ 4,059,709.30 $ 1,979,428.80
$ 4,059,709.30 $ 2,004,982.15
$ 4,059,709.30 $ 2,030,865.38
$ 4,059,709.30 $ 2,057,082.75
$ 4,059,709.30 $ 2,083,638.57
$ 4,059,709.30 $ 2,110,537.22
$ 4,059,709.30 $ 2,137,783.10
$ 4,059,709.30 $ 2,165,380.72
$ 4,059,709.30 $ 2,193,334.61
$ 4,059,709.30 $ 2,221,649.37
$ 4,059,709.30 $ 2,250,329.66
$ 4,059,709.30 $ 2,279,380.19
$ 4,059,709.30 $ 2,308,805.75
$ 4,059,709.30 $ 2,338,611.18
$ 4,059,709.30 $ 2,368,801.38
$ 4,059,709.30 $ 2,399,381.32
$ 4,059,709.30 $ 2,430,356.03
$ 4,059,709.30 $ 2,461,730.61
$ 4,059,709.30 $ 2,493,510.21
$ 4,059,709.30 $ 2,525,700.08
$ 4,059,709.30 $ 2,558,305.49
$ 4,059,709.30 $ 2,591,331.83
$ 4,059,709.30 $ 2,624,784.51
$ 4,059,709.30 $ 2,658,669.06
$ 4,059,709.30 $ 2,692,991.03
$ 4,059,709.30 $ 2,727,756.08
$ 4,059,709.30 $ 2,762,969.93
$ 4,059,709.30 $ 2,798,638.37
$ 4,059,709.30 $ 2,834,767.28
$ 4,059,709.30 $ 2,871,362.58
$ 4,059,709.30 $ 2,908,430.31
$ 4,059,709.30 $ 2,945,976.57
$ 4,059,709.30 $ 2,984,007.53
$ 4,059,709.30 $ 3,022,529.44
$ 4,059,709.30 $ 3,061,548.66
$ 4,059,709.30 $ 3,101,071.59
$ 4,059,709.30 $ 3,141,104.74
$ 4,059,709.30 $ 3,181,654.69
$ 4,059,709.30 $ 3,222,728.13
$ 4,059,709.30 $ 3,264,331.80
$ 4,059,709.30 $ 3,306,472.55
$ 4,059,709.30 $ 3,349,157.32
$ 4,059,709.30 $ 3,392,393.12
$ 4,059,709.30 $ 3,436,187.07
$ 4,059,709.30 $ 3,480,546.38
$ 4,059,709.30 $ 3,525,478.34
$ 4,059,709.30 $ 3,570,990.35
$ 4,059,709.30 $ 3,617,089.90
$ 4,059,709.30 $ 3,663,784.57
$ 4,059,709.30 $ 3,711,082.04
$ 4,059,709.30 $ 3,758,990.09
$ 4,059,709.30 $ 3,807,516.61
$ 4,059,709.30 $ 3,856,669.58
$ 4,059,709.30 $ 3,906,457.09
$ 4,059,709.30 $ 3,956,887.33
$ 4,059,709.30 $ 4,007,968.60
$ 974,330,231.26 $ 300,000,000.00
 AMORTIZACION CUOTA VARIABLE
ABONOS CONSTANTES A CAPITAL
Valor presente ( vp )

Numero de cuotas ( n )

Tasa de interes ( i )

Amortizacion

FICTICIO PERIODO SALDO

0 0 $ 300,000,000.00
1 1 $ 298,750,000.00
2 2 $ 297,500,000.00
3 3 $ 296,250,000.00
4 4 $ 295,000,000.00
5 5 $ 293,750,000.00
6 6 $ 292,500,000.00
7 $ 291,250,000.00
8 $ 290,000,000.00
9 $ 288,750,000.00
10 $ 287,500,000.00
11 $ 286,250,000.00
12 $ 285,000,000.00
13 $ 283,750,000.00
14 $ 282,500,000.00
15 $ 281,250,000.00
16 $ 280,000,000.00
17 $ 278,750,000.00
18 $ 277,500,000.00
19 $ 276,250,000.00
20 $ 275,000,000.00
21 $ 273,750,000.00
22 $ 272,500,000.00
23 $ 271,250,000.00
24 $ 270,000,000.00
25 $ 268,750,000.00
26 $ 267,500,000.00
27 $ 266,250,000.00
28 $ 265,000,000.00
29 $ 263,750,000.00
30 $ 262,500,000.00
31 $ 261,250,000.00
32 $ 260,000,000.00
33 $ 258,750,000.00
34 $ 257,500,000.00
35 $ 256,250,000.00
36 $ 255,000,000.00
37 $ 253,750,000.00
38 $ 252,500,000.00
39 $ 251,250,000.00
40 $ 250,000,000.00
41 $ 248,750,000.00
42 $ 247,500,000.00
43 $ 246,250,000.00
44 $ 245,000,000.00
45 $ 243,750,000.00
46 $ 242,500,000.00
47 $ 241,250,000.00
48 $ 240,000,000.00
49 $ 238,750,000.00
50 $ 237,500,000.00
51 $ 236,250,000.00
52 $ 235,000,000.00
53 $ 233,750,000.00
54 $ 232,500,000.00
55 $ 231,250,000.00
56 $ 230,000,000.00
57 $ 228,750,000.00
58 $ 227,500,000.00
59 $ 226,250,000.00
60 $ 225,000,000.00
61 $ 223,750,000.00
62 $ 222,500,000.00
63 $ 221,250,000.00
64 $ 220,000,000.00
65 $ 218,750,000.00
66 $ 217,500,000.00
67 $ 216,250,000.00
68 $ 215,000,000.00
 69 $ 213,750,000.00
70 $ 212,500,000.00
71 $ 211,250,000.00
72 $ 210,000,000.00
73 $ 208,750,000.00
74 $ 207,500,000.00
75 $ 206,250,000.00
76 $ 205,000,000.00
77 $ 203,750,000.00
78 $ 202,500,000.00
79 $ 201,250,000.00
80 $ 200,000,000.00
81 $ 198,750,000.00
82 $ 197,500,000.00
83 $ 196,250,000.00
84 $ 195,000,000.00
85 $ 193,750,000.00
86 $ 192,500,000.00
87 $ 191,250,000.00
88 $ 190,000,000.00
89 $ 188,750,000.00
90 $ 187,500,000.00
91 $ 186,250,000.00
92 $ 185,000,000.00
93 $ 183,750,000.00
94 $ 182,500,000.00
95 $ 181,250,000.00
96 $ 180,000,000.00
97 $ 178,750,000.00
98 $ 177,500,000.00
99 $ 176,250,000.00
100 $ 175,000,000.00
101 $ 173,750,000.00
102 $ 172,500,000.00
103 $ 171,250,000.00
104 $ 170,000,000.00
105 $ 168,750,000.00
106 $ 167,500,000.00
107 $ 166,250,000.00
108 $ 165,000,000.00
109 $ 163,750,000.00
110 $ 162,500,000.00
111 $ 161,250,000.00
112 $ 160,000,000.00
113 $ 158,750,000.00
114 $ 157,500,000.00
115 $ 156,250,000.00
116 $ 155,000,000.00
117 $ 153,750,000.00
118 $ 152,500,000.00
119 $ 151,250,000.00
120 $ 150,000,000.00
121 $ 148,750,000.00
122 $ 147,500,000.00
123 $ 146,250,000.00
124 $ 145,000,000.00
125 $ 143,750,000.00
126 $ 142,500,000.00
127 $ 141,250,000.00
128 $ 140,000,000.00
129 $ 138,750,000.00
130 $ 137,500,000.00
131 $ 136,250,000.00
132 $ 135,000,000.00
133 $ 133,750,000.00
134 $ 132,500,000.00
135 $ 131,250,000.00
136 $ 130,000,000.00
137 $ 128,750,000.00
138 $ 127,500,000.00
139 $ 126,250,000.00
140 $ 125,000,000.00
141 $ 123,750,000.00
142 $ 122,500,000.00
143 $ 121,250,000.00
144 $ 120,000,000.00
145 $ 118,750,000.00
146 $ 117,500,000.00
147 $ 116,250,000.00
148 $ 115,000,000.00
149 $ 113,750,000.00
150 $ 112,500,000.00
151 $ 111,250,000.00
152 $ 110,000,000.00
153 $ 108,750,000.00
154 $ 107,500,000.00
155 $ 106,250,000.00
156 $ 105,000,000.00
157 $ 103,750,000.00
158 $ 102,500,000.00
159 $ 101,250,000.00
160 $ 100,000,000.00
161 $ 98,750,000.00
162 $ 97,500,000.00
163 $ 96,250,000.00
164 $ 95,000,000.00
165 $ 93,750,000.00
166 $ 92,500,000.00
167 $ 91,250,000.00
168 $ 90,000,000.00
169 $ 88,750,000.00
170 $ 87,500,000.00
171 $ 86,250,000.00
172 $ 85,000,000.00
173 $ 83,750,000.00
174 $ 82,500,000.00
175 $ 81,250,000.00
176 $ 80,000,000.00
177 $ 78,750,000.00
178 $ 77,500,000.00
179 $ 76,250,000.00
180 $ 75,000,000.00
181 $ 73,750,000.00
182 $ 72,500,000.00
183 $ 71,250,000.00
184 $ 70,000,000.00
185 $ 68,750,000.00
186 $ 67,500,000.00
187 $ 66,250,000.00
188 $ 65,000,000.00
189 $ 63,750,000.00
190 $ 62,500,000.00
191 $ 61,250,000.00
192 $ 60,000,000.00
193 $ 58,750,000.00
194 $ 57,500,000.00
195 $ 56,250,000.00
196 $ 55,000,000.00
197 $ 53,750,000.00
198 $ 52,500,000.00
199 $ 51,250,000.00
200 $ 50,000,000.00
201 $ 48,750,000.00
202 $ 47,500,000.00
203 $ 46,250,000.00
204 $ 45,000,000.00
205 $ 43,750,000.00
206 $ 42,500,000.00
207 $ 41,250,000.00
208 $ 40,000,000.00
209 $ 38,750,000.00
210 $ 37,500,000.00
211 $ 36,250,000.00
212 $ 35,000,000.00
213 $ 33,750,000.00
214 $ 32,500,000.00
215 $ 31,250,000.00
216 $ 30,000,000.00
217 $ 28,750,000.00
218 $ 27,500,000.00
219 $ 26,250,000.00
220 $ 25,000,000.00
221 $ 23,750,000.00
222 $ 22,500,000.00
223 $ 21,250,000.00
224 $ 20,000,000.00
225 $ 18,750,000.00
226 $ 17,500,000.00
227 $ 16,250,000.00
228 $ 15,000,000.00
229 $ 13,750,000.00
230 $ 12,500,000.00
231 $ 11,250,000.00
232 $ 10,000,000.00
233 $ 8,750,000.00
234 $ 7,500,000.00
235 $ 6,250,000.00
236 $ 5,000,000.00
237 $ 3,750,000.00
238 $ 2,500,000.00
239 $ 1,250,000.00
240 $ 1,250,000.00
 300000000

240

1.2909457%

$ 1,250,000.00

INTERES CUOTA AMORTIZACION

$ - $ - $ 1,250,000.00
$ 3,872,837.09 $ 5,122,837.09 $ 1,250,000.00 Amortización es igual valor / cuotas
$ 3,856,700.27 $ 5,106,700.27 $ 1,250,000.00 Interes es igual al saldo * la tasa de interes m
$ 3,840,563.45 $ 5,090,563.45 $ 1,250,000.00 Cuota amortizacion + interes
$ 3,824,426.63 $ 5,074,426.63 $ 1,250,000.00 Saldo es igual al saldo inicial - amortización
$ 3,808,289.80 $ 5,058,289.80 $ 1,250,000.00
$ 3,792,152.98 $ 5,042,152.98 $ 1,250,000.00
$ 3,776,016.16 $ 5,026,016.16 $ 1,250,000.00
$ 3,759,879.34 $ 5,009,879.34 $ 1,250,000.00
$ 3,743,742.52 $ 4,993,742.52 $ 1,250,000.00
$ 3,727,605.70 $ 4,977,605.70 $ 1,250,000.00
$ 3,711,468.88 $ 4,961,468.88 $ 1,250,000.00
$ 3,695,332.06 $ 4,945,332.06 $ 1,250,000.00
$ 3,679,195.23 $ 4,929,195.23 $ 1,250,000.00
$ 3,663,058.41 $ 4,913,058.41 $ 1,250,000.00
$ 3,646,921.59 $ 4,896,921.59 $ 1,250,000.00
$ 3,630,784.77 $ 4,880,784.77 $ 1,250,000.00
$ 3,614,647.95 $ 4,864,647.95 $ 1,250,000.00
$ 3,598,511.13 $ 4,848,511.13 $ 1,250,000.00
$ 3,582,374.31 $ 4,832,374.31 $ 1,250,000.00
$ 3,566,237.49 $ 4,816,237.49 $ 1,250,000.00
$ 3,550,100.66 $ 4,800,100.66 $ 1,250,000.00
$ 3,533,963.84 $ 4,783,963.84 $ 1,250,000.00
$ 3,517,827.02 $ 4,767,827.02 $ 1,250,000.00
$ 3,501,690.20 $ 4,751,690.20 $ 1,250,000.00
$ 3,485,553.38 $ 4,735,553.38 $ 1,250,000.00
$ 3,469,416.56 $ 4,719,416.56 $ 1,250,000.00
$ 3,453,279.74 $ 4,703,279.74 $ 1,250,000.00
$ 3,437,142.92 $ 4,687,142.92 $ 1,250,000.00
$ 3,421,006.10 $ 4,671,006.10 $ 1,250,000.00
$ 3,404,869.27 $ 4,654,869.27 $ 1,250,000.00
$ 3,388,732.45 $ 4,638,732.45 $ 1,250,000.00
$ 3,372,595.63 $ 4,622,595.63 $ 1,250,000.00
$ 3,356,458.81 $ 4,606,458.81 $ 1,250,000.00
$ 3,340,321.99 $ 4,590,321.99 $ 1,250,000.00
$ 3,324,185.17 $ 4,574,185.17 $ 1,250,000.00
$ 3,308,048.35 $ 4,558,048.35 $ 1,250,000.00
$ 3,291,911.53 $ 4,541,911.53 $ 1,250,000.00
$ 3,275,774.70 $ 4,525,774.70 $ 1,250,000.00
$ 3,259,637.88 $ 4,509,637.88 $ 1,250,000.00
$ 3,243,501.06 $ 4,493,501.06 $ 1,250,000.00
$ 3,227,364.24 $ 4,477,364.24 $ 1,250,000.00
$ 3,211,227.42 $ 4,461,227.42 $ 1,250,000.00
$ 3,195,090.60 $ 4,445,090.60 $ 1,250,000.00
$ 3,178,953.78 $ 4,428,953.78 $ 1,250,000.00
$ 3,162,816.96 $ 4,412,816.96 $ 1,250,000.00
$ 3,146,680.13 $ 4,396,680.13 $ 1,250,000.00
$ 3,130,543.31 $ 4,380,543.31 $ 1,250,000.00
$ 3,114,406.49 $ 4,364,406.49 $ 1,250,000.00
$ 3,098,269.67 $ 4,348,269.67 $ 1,250,000.00
$ 3,082,132.85 $ 4,332,132.85 $ 1,250,000.00 237500000
$ 3,065,996.03 $ 4,315,996.03 $ 1,250,000.00
$ 3,049,859.21 $ 4,299,859.21 $ 1,250,000.00
$ 3,033,722.39 $ 4,283,722.39 $ 1,250,000.00
$ 3,017,585.57 $ 4,267,585.57 $ 1,250,000.00
$ 3,001,448.74 $ 4,251,448.74 $ 1,250,000.00
$ 2,985,311.92 $ 4,235,311.92 $ 1,250,000.00
$ 2,969,175.10 $ 4,219,175.10 $ 1,250,000.00
$ 2,953,038.28 $ 4,203,038.28 $ 1,250,000.00
$ 2,936,901.46 $ 4,186,901.46 $ 1,250,000.00
$ 2,920,764.64 $ 4,170,764.64 $ 1,250,000.00
$ 2,904,627.82 $ 4,154,627.82 $ 1,250,000.00
$ 2,888,491.00 $ 4,138,491.00 $ 1,250,000.00
$ 2,872,354.17 $ 4,122,354.17 $ 1,250,000.00
$ 2,856,217.35 $ 4,106,217.35 $ 1,250,000.00
$ 2,840,080.53 $ 4,090,080.53 $ 1,250,000.00
$ 2,823,943.71 $ 4,073,943.71 $ 1,250,000.00
$ 2,807,806.89 $ 4,057,806.89 $ 1,250,000.00
$ 2,791,670.07 $ 4,041,670.07 $ 1,250,000.00
$ 2,775,533.25 $ 4,025,533.25 $ 1,250,000.00
$ 2,759,396.43 $ 4,009,396.43 $ 1,250,000.00
$ 2,743,259.60 $ 3,993,259.60 $ 1,250,000.00
$ 2,727,122.78 $ 3,977,122.78 $ 1,250,000.00
$ 2,710,985.96 $ 3,960,985.96 $ 1,250,000.00
$ 2,694,849.14 $ 3,944,849.14 $ 1,250,000.00
$ 2,678,712.32 $ 3,928,712.32 $ 1,250,000.00
$ 2,662,575.50 $ 3,912,575.50 $ 1,250,000.00
$ 2,646,438.68 $ 3,896,438.68 $ 1,250,000.00
$ 2,630,301.86 $ 3,880,301.86 $ 1,250,000.00
$ 2,614,165.04 $ 3,864,165.04 $ 1,250,000.00
$ 2,598,028.21 $ 3,848,028.21 $ 1,250,000.00
$ 2,581,891.39 $ 3,831,891.39 $ 1,250,000.00
$ 2,565,754.57 $ 3,815,754.57 $ 1,250,000.00
$ 2,549,617.75 $ 3,799,617.75 $ 1,250,000.00
$ 2,533,480.93 $ 3,783,480.93 $ 1,250,000.00
$ 2,517,344.11 $ 3,767,344.11 $ 1,250,000.00
$ 2,501,207.29 $ 3,751,207.29 $ 1,250,000.00
$ 2,485,070.47 $ 3,735,070.47 $ 1,250,000.00
$ 2,468,933.64 $ 3,718,933.64 $ 1,250,000.00
$ 2,452,796.82 $ 3,702,796.82 $ 1,250,000.00
$ 2,436,660.00 $ 3,686,660.00 $ 1,250,000.00
$ 2,420,523.18 $ 3,670,523.18 $ 1,250,000.00
$ 2,404,386.36 $ 3,654,386.36 $ 1,250,000.00
$ 2,388,249.54 $ 3,638,249.54 $ 1,250,000.00
$ 2,372,112.72 $ 3,622,112.72 $ 1,250,000.00
$ 2,355,975.90 $ 3,605,975.90 $ 1,250,000.00
$ 2,339,839.07 $ 3,589,839.07 $ 1,250,000.00
$ 2,323,702.25 $ 3,573,702.25 $ 1,250,000.00
$ 2,307,565.43 $ 3,557,565.43 $ 1,250,000.00
$ 2,291,428.61 $ 3,541,428.61 $ 1,250,000.00
$ 2,275,291.79 $ 3,525,291.79 $ 1,250,000.00
$ 2,259,154.97 $ 3,509,154.97 $ 1,250,000.00
$ 2,243,018.15 $ 3,493,018.15 $ 1,250,000.00
$ 2,226,881.33 $ 3,476,881.33 $ 1,250,000.00
$ 2,210,744.50 $ 3,460,744.50 $ 1,250,000.00
$ 2,194,607.68 $ 3,444,607.68 $ 1,250,000.00
$ 2,178,470.86 $ 3,428,470.86 $ 1,250,000.00
$ 2,162,334.04 $ 3,412,334.04 $ 1,250,000.00
$ 2,146,197.22 $ 3,396,197.22 $ 1,250,000.00
$ 2,130,060.40 $ 3,380,060.40 $ 1,250,000.00
$ 2,113,923.58 $ 3,363,923.58 $ 1,250,000.00
$ 2,097,786.76 $ 3,347,786.76 $ 1,250,000.00
$ 2,081,649.94 $ 3,331,649.94 $ 1,250,000.00
$ 2,065,513.11 $ 3,315,513.11 $ 1,250,000.00
$ 2,049,376.29 $ 3,299,376.29 $ 1,250,000.00
$ 2,033,239.47 $ 3,283,239.47 $ 1,250,000.00
$ 2,017,102.65 $ 3,267,102.65 $ 1,250,000.00
$ 2,000,965.83 $ 3,250,965.83 $ 1,250,000.00
$ 1,984,829.01 $ 3,234,829.01 $ 1,250,000.00
$ 1,968,692.19 $ 3,218,692.19 $ 1,250,000.00
$ 1,952,555.37 $ 3,202,555.37 $ 1,250,000.00
$ 1,936,418.54 $ 3,186,418.54 $ 1,250,000.00
$ 1,920,281.72 $ 3,170,281.72 $ 1,250,000.00
$ 1,904,144.90 $ 3,154,144.90 $ 1,250,000.00
$ 1,888,008.08 $ 3,138,008.08 $ 1,250,000.00
$ 1,871,871.26 $ 3,121,871.26 $ 1,250,000.00
$ 1,855,734.44 $ 3,105,734.44 $ 1,250,000.00
$ 1,839,597.62 $ 3,089,597.62 $ 1,250,000.00
$ 1,823,460.80 $ 3,073,460.80 $ 1,250,000.00
$ 1,807,323.97 $ 3,057,323.97 $ 1,250,000.00
$ 1,791,187.15 $ 3,041,187.15 $ 1,250,000.00
$ 1,775,050.33 $ 3,025,050.33 $ 1,250,000.00
$ 1,758,913.51 $ 3,008,913.51 $ 1,250,000.00
$ 1,742,776.69 $ 2,992,776.69 $ 1,250,000.00
$ 1,726,639.87 $ 2,976,639.87 $ 1,250,000.00
$ 1,710,503.05 $ 2,960,503.05 $ 1,250,000.00
$ 1,694,366.23 $ 2,944,366.23 $ 1,250,000.00
$ 1,678,229.41 $ 2,928,229.41 $ 1,250,000.00
$ 1,662,092.58 $ 2,912,092.58 $ 1,250,000.00
$ 1,645,955.76 $ 2,895,955.76 $ 1,250,000.00
$ 1,629,818.94 $ 2,879,818.94 $ 1,250,000.00
$ 1,613,682.12 $ 2,863,682.12 $ 1,250,000.00
$ 1,597,545.30 $ 2,847,545.30 $ 1,250,000.00
$ 1,581,408.48 $ 2,831,408.48 $ 1,250,000.00
$ 1,565,271.66 $ 2,815,271.66 $ 1,250,000.00
$ 1,549,134.84 $ 2,799,134.84 $ 1,250,000.00
$ 1,532,998.01 $ 2,782,998.01 $ 1,250,000.00
$ 1,516,861.19 $ 2,766,861.19 $ 1,250,000.00
$ 1,500,724.37 $ 2,750,724.37 $ 1,250,000.00
$ 1,484,587.55 $ 2,734,587.55 $ 1,250,000.00
$ 1,468,450.73 $ 2,718,450.73 $ 1,250,000.00
$ 1,452,313.91 $ 2,702,313.91 $ 1,250,000.00
$ 1,436,177.09 $ 2,686,177.09 $ 1,250,000.00
$ 1,420,040.27 $ 2,670,040.27 $ 1,250,000.00
$ 1,403,903.44 $ 2,653,903.44 $ 1,250,000.00
$ 1,387,766.62 $ 2,637,766.62 $ 1,250,000.00
$ 1,371,629.80 $ 2,621,629.80 $ 1,250,000.00
$ 1,355,492.98 $ 2,605,492.98 $ 1,250,000.00
$ 1,339,356.16 $ 2,589,356.16 $ 1,250,000.00
$ 1,323,219.34 $ 2,573,219.34 $ 1,250,000.00
$ 1,307,082.52 $ 2,557,082.52 $ 1,250,000.00
$ 1,290,945.70 $ 2,540,945.70 $ 1,250,000.00
$ 1,274,808.88 $ 2,524,808.88 $ 1,250,000.00
$ 1,258,672.05 $ 2,508,672.05 $ 1,250,000.00
$ 1,242,535.23 $ 2,492,535.23 $ 1,250,000.00
$ 1,226,398.41 $ 2,476,398.41 $ 1,250,000.00
$ 1,210,261.59 $ 2,460,261.59 $ 1,250,000.00
$ 1,194,124.77 $ 2,444,124.77 $ 1,250,000.00
$ 1,177,987.95 $ 2,427,987.95 $ 1,250,000.00
$ 1,161,851.13 $ 2,411,851.13 $ 1,250,000.00
$ 1,145,714.31 $ 2,395,714.31 $ 1,250,000.00
$ 1,129,577.48 $ 2,379,577.48 $ 1,250,000.00
$ 1,113,440.66 $ 2,363,440.66 $ 1,250,000.00
$ 1,097,303.84 $ 2,347,303.84 $ 1,250,000.00
$ 1,081,167.02 $ 2,331,167.02 $ 1,250,000.00
$ 1,065,030.20 $ 2,315,030.20 $ 1,250,000.00
$ 1,048,893.38 $ 2,298,893.38 $ 1,250,000.00
$ 1,032,756.56 $ 2,282,756.56 $ 1,250,000.00
$ 1,016,619.74 $ 2,266,619.74 $ 1,250,000.00
$ 1,000,482.91 $ 2,250,482.91 $ 1,250,000.00
$ 984,346.09 $ 2,234,346.09 $ 1,250,000.00
$ 968,209.27 $ 2,218,209.27 $ 1,250,000.00
$ 952,072.45 $ 2,202,072.45 $ 1,250,000.00
$ 935,935.63 $ 2,185,935.63 $ 1,250,000.00
$ 919,798.81 $ 2,169,798.81 $ 1,250,000.00
$ 903,661.99 $ 2,153,661.99 $ 1,250,000.00
$ 887,525.17 $ 2,137,525.17 $ 1,250,000.00
$ 871,388.35 $ 2,121,388.35 $ 1,250,000.00
$ 855,251.52 $ 2,105,251.52 $ 1,250,000.00
$ 839,114.70 $ 2,089,114.70 $ 1,250,000.00
$ 822,977.88 $ 2,072,977.88 $ 1,250,000.00
$ 806,841.06 $ 2,056,841.06 $ 1,250,000.00
$ 790,704.24 $ 2,040,704.24 $ 1,250,000.00
$ 774,567.42 $ 2,024,567.42 $ 1,250,000.00
$ 758,430.60 $ 2,008,430.60 $ 1,250,000.00
$ 742,293.78 $ 1,992,293.78 $ 1,250,000.00
$ 726,156.95 $ 1,976,156.95 $ 1,250,000.00
$ 710,020.13 $ 1,960,020.13 $ 1,250,000.00
$ 693,883.31 $ 1,943,883.31 $ 1,250,000.00
$ 677,746.49 $ 1,927,746.49 $ 1,250,000.00
$ 661,609.67 $ 1,911,609.67 $ 1,250,000.00
$ 645,472.85 $ 1,895,472.85 $ 1,250,000.00
$ 629,336.03 $ 1,879,336.03 $ 1,250,000.00
$ 613,199.21 $ 1,863,199.21 $ 1,250,000.00
$ 597,062.38 $ 1,847,062.38 $ 1,250,000.00
$ 580,925.56 $ 1,830,925.56 $ 1,250,000.00
$ 564,788.74 $ 1,814,788.74 $ 1,250,000.00
$ 548,651.92 $ 1,798,651.92 $ 1,250,000.00
$ 532,515.10 $ 1,782,515.10 $ 1,250,000.00
$ 516,378.28 $ 1,766,378.28 $ 1,250,000.00
$ 500,241.46 $ 1,750,241.46 $ 1,250,000.00
$ 484,104.64 $ 1,734,104.64 $ 1,250,000.00
$ 467,967.81 $ 1,717,967.81 $ 1,250,000.00
$ 451,830.99 $ 1,701,830.99 $ 1,250,000.00
$ 435,694.17 $ 1,685,694.17 $ 1,250,000.00
$ 419,557.35 $ 1,669,557.35 $ 1,250,000.00
$ 403,420.53 $ 1,653,420.53 $ 1,250,000.00
$ 387,283.71 $ 1,637,283.71 $ 1,250,000.00
$ 371,146.89 $ 1,621,146.89 $ 1,250,000.00
$ 355,010.07 $ 1,605,010.07 $ 1,250,000.00
$ 338,873.25 $ 1,588,873.25 $ 1,250,000.00
$ 322,736.42 $ 1,572,736.42 $ 1,250,000.00
$ 306,599.60 $ 1,556,599.60 $ 1,250,000.00
$ 290,462.78 $ 1,540,462.78 $ 1,250,000.00
$ 274,325.96 $ 1,524,325.96 $ 1,250,000.00
$ 258,189.14 $ 1,508,189.14 $ 1,250,000.00
$ 242,052.32 $ 1,492,052.32 $ 1,250,000.00
$ 225,915.50 $ 1,475,915.50 $ 1,250,000.00
$ 209,778.68 $ 1,459,778.68 $ 1,250,000.00
$ 193,641.85 $ 1,443,641.85 $ 1,250,000.00
$ 177,505.03 $ 1,427,505.03 $ 1,250,000.00
$ 161,368.21 $ 1,411,368.21 $ 1,250,000.00
$ 145,231.39 $ 1,395,231.39 $ 1,250,000.00
$ 129,094.57 $ 1,379,094.57 $ 1,250,000.00
$ 112,957.75 $ 1,362,957.75 $ 1,250,000.00
$ 96,820.93 $ 1,346,820.93 $ 1,250,000.00
$ 80,684.11 $ 1,330,684.11 $ 1,250,000.00
$ 64,547.28 $ 1,314,547.28 $ 1,250,000.00
$ 48,410.46 $ 1,298,410.46 $ 1,250,000.00
$ 32,273.64 $ 1,282,273.64 $ 1,250,000.00
$ 16,136.82 $ 16,136.82 $ -
$ 466,676,869.23 $ 765,426,869.23 $ 300,000,000.00
l valor / cuotas
do * la tasa de interes mensual

o inicial - amortización
39728000 40978000 1250000
DATOS INICIALES

CREDITO HIPOTECARIO PESOS Y UVR

CREDITO HIPOPTECARIO $ 300,000,000

UVR $ 8,754
PLAZO 20 AÑOS
TASA EFECTIVA 16.64% E.A.V.
FRECUENCIA DE PAGOS MENSUAL

VARIABLES

MONTO $ 300,000,000
No. De pagos / años 12
No. De periodos (Cuotas) 240
Tasa Periodica 1.2909457% E.M.V.

MONTO EN PESOS $ 300,000,000

MONTO EN UVR 1,102,223.52 UVR DEL 02/03/2020, TIEMPO EN EL QUE SE REQ

PERIODO SALDO INICIAL

0 1,102,223.52
1 1,102,223.52
2 1,101,536.93
3 1,100,841.49
4 1,100,137.06
5 1,099,423.54
6 1,098,700.81
7 1,097,968.75
8 1,097,227.24
9 1,096,476.16
10 1,095,715.38
11 1,094,944.78
12 1,094,164.24
13 1,093,373.61
14 1,092,572.78
15 1,091,761.61
16 1,090,939.97
17 1,090,107.73
18 1,089,264.73
19 1,088,410.86
20 1,087,545.96
21 1,086,669.90
22 1,085,782.53
23 1,084,883.70
24 1,083,973.27
25 1,083,051.09
26 1,082,117.00
27 1,081,170.85
28 1,080,212.49
29 1,079,241.76
30 1,078,258.49
31 1,077,262.53
32 1,076,253.72
33 1,075,231.88
34 1,074,196.85
35 1,073,148.45
36 1,072,086.53
37 1,071,010.89
38 1,069,921.37
39 1,068,817.78
40 1,067,699.95
41 1,066,567.69
42 1,065,420.81
43 1,064,259.12
44 1,063,082.44
45 1,061,890.57
46 1,060,683.31
47 1,059,460.46
48 1,058,221.83
49 1,056,967.21
50 1,055,696.39
51 1,054,409.17
52 1,053,105.33
53 1,051,784.66
54 1,050,446.93
55 1,049,091.94
 56 1,047,719.46
57 1,046,329.26
58 1,044,921.11
59 1,043,494.79
60 1,042,050.05
61 1,040,586.66
62 1,039,104.38
63 1,037,602.96
64 1,036,082.16
65 1,034,541.73
66 1,032,981.41
67 1,031,400.95
68 1,029,800.08
69 1,028,178.55
70 1,026,536.09
71 1,024,872.42
72 1,023,187.28
73 1,021,480.38
74 1,019,751.45
75 1,018,000.20
76 1,016,226.34
77 1,014,429.58
78 1,012,609.62
79 1,010,766.17
80 1,008,898.92
81 1,007,007.57
82 1,005,091.80
83 1,003,151.30
84 1,001,185.75
85 999,194.82
86 997,178.19
87 995,135.53
88 993,066.50
89 990,970.76
90 988,847.97
91 986,697.77
92 984,519.81
93 982,313.73
94 980,079.18
95 977,815.78
96 975,523.16
97 973,200.95
98 970,848.75
99 968,466.19
100 966,052.87
101 963,608.40
102 961,132.37
103 958,624.38
104 956,084.01
105 953,510.84
106 950,904.46
107 948,264.43
108 945,590.32
109 942,881.69
110 940,138.09
111 937,359.07
112 934,544.18
113 931,692.94
114 928,804.90
115 925,879.58
116 922,916.49
117 919,915.15
118 916,875.07
119 913,795.74
120 910,676.65
121 907,517.30
122 904,317.17
123 901,075.72
124 897,792.43
125 894,466.75
126 891,098.14
127 887,686.05
128 884,229.90
129 880,729.14
130 877,183.18
131 873,591.45
132 869,953.35
133 866,268.29
134 862,535.65
135 858,754.83
136 854,925.20
137 851,046.13
138 847,116.98
139 843,137.11
140 839,105.86
141 835,022.57
142 830,886.57
143 826,697.17
144 822,453.70
145 818,155.44
146 813,801.69
147 809,391.74
148 804,924.85
149 800,400.31
150 795,817.35
151 791,175.23
152 786,473.18
153 781,710.43
154 776,886.20
155 771,999.69
156 767,050.10
157 762,036.61
158 756,958.39
159 751,814.63
160 746,604.45
161 741,327.02
162 735,981.46
163 730,566.89
164 725,082.42
165 719,527.15
166 713,900.17
167 708,200.54
168 702,427.34
169 696,579.60
170 690,656.38
171 684,656.68
172 678,579.54
173 672,423.94
174 666,188.88
175 659,873.33
176 653,476.24
177 646,996.58
178 640,433.26
179 633,785.22
180 627,051.35
181 620,230.55
182 613,321.70
183 606,323.66
184 599,235.28
185 592,055.39
186 584,782.82
187 577,416.35
188 569,954.80
189 562,396.91
190 554,741.46
191 546,987.18
192 539,132.80
193 531,177.02
194 523,118.54
195 514,956.02
196 506,688.14
197 498,313.51
198 489,830.78
199 481,238.54
200 472,535.38
201 463,719.86
202 454,790.54
203 445,745.95
204 436,584.60
205 427,304.98
206 417,905.57
207 408,384.81
208 398,741.15
209 388,972.99
210 379,078.73
211 369,056.74
212 358,905.37
213 348,622.95
214 338,207.80
215 327,658.18
216 316,972.38
217 306,148.63
218 295,185.16
219 284,080.15
220 272,831.78
221 261,438.20
222 249,897.53
223 238,207.88
224 226,367.33
225 214,373.92
226 202,225.68
227 189,920.61
228 177,456.69
229 164,831.87
230 152,044.07
231 139,091.19
232 125,971.09
233 112,681.62
234 99,220.59
235 85,585.78
236 71,774.96
237 57,785.84
238 43,616.13
239 29,263.51
240 14,725.59
 Unidad de valor real (UVR)
La unidad de valor real (UVR) es una unidad de cuenta que refleja el poder ad
con base en la variación del índice de precios al consumidor (IPC). La UVR es
de la República y es usada para calcular el costo de los créditos de vivienda q
entidades financieras mantener el poder adquisitivo del dinero prestado. 
Fecha Pesos
(dd/mm/aaaa colombian
2/29/2020 $ 272.10
) os por
3/1/2020 $ 272.14
UVR
3/2/2020 $ 272.18
3/3/2020 $ 272.22 https://www.banrep.gov.co/es/estadisticas/unidad-valor-r

EMPO EN EL QUE SE REQUIRIO EL DINERO

ABONO A SALDO FLUJO DE

INTERESES PAGO
CAPITAL FINAL CAJA
0 0 1,102,223.52 1,102,223.52
14229.10703744 14,915.69 686.58 1,101,536.93 -14,915.69
14220.24362194 14,915.69 695.45 1,100,841.49 -14,915.69
14211.26578457 14,915.69 704.42 1,100,137.06 -14,915.69
14202.17204819 14,915.69 713.52 1,099,423.54 -14,915.69
14192.96091661 14,915.69 722.73 1,098,700.81 -14,915.69
14183.63087433 14,915.69 732.06 1,097,968.75 -14,915.69
14174.18038626 14,915.69 741.51 1,097,227.24 -14,915.69
14164.60789753 14,915.69 751.08 1,096,476.16 -14,915.69
14154.91183317 14,915.69 760.78 1,095,715.38 -14,915.69
14145.09059788 14,915.69 770.60 1,094,944.78 -14,915.69
14135.14257577 14,915.69 780.55 1,094,164.24 -14,915.69
14125.0661301 14,915.69 790.62 1,093,373.61 -14,915.69
14114.859603 14,915.69 800.83 1,092,572.78 -14,915.69
14104.52131516 14,915.69 811.17 1,091,761.61 -14,915.69
14094.04956565 14,915.69 821.64 1,090,939.97 -14,915.69
14083.44263154 14,915.69 832.25 1,090,107.73 -14,915.69
14072.69876766 14,915.69 842.99 1,089,264.73 -14,915.69
14061.81620634 14,915.69 853.87 1,088,410.86 -14,915.69
14050.79315707 14,915.69 864.90 1,087,545.96 -14,915.69
14039.62780621 14,915.69 876.06 1,086,669.90 -14,915.69
14028.31831673 14,915.69 887.37 1,085,782.53 -14,915.69
14016.86282789 14,915.69 898.83 1,084,883.70 -14,915.69
14005.25945491 14,915.69 910.43 1,083,973.27 -14,915.69
13993.50628868 14,915.69 922.18 1,083,051.09 -14,915.69
13981.60139546 14,915.69 934.09 1,082,117.00 -14,915.69
13969.54281654 14,915.69 946.15 1,081,170.85 -14,915.69
13957.3285679 14,915.69 958.36 1,080,212.49 -14,915.69
13944.95663995 14,915.69 970.73 1,079,241.76 -14,915.69
13932.42499713 14,915.69 983.27 1,078,258.49 -14,915.69
13919.73157761 14,915.69 995.96 1,077,262.53 -14,915.69
13906.87429293 14,915.69 1,008.82 1,076,253.72 -14,915.69
13893.85102769 14,915.69 1,021.84 1,075,231.88 -14,915.69
13880.65963917 14,915.69 1,035.03 1,074,196.85 -14,915.69
13867.29795698 14,915.69 1,048.39 1,073,148.45 -14,915.69
13853.76378274 14,915.69 1,061.93 1,072,086.53 -14,915.69
13840.05488965 14,915.69 1,075.64 1,071,010.89 -14,915.69
13826.1690222 14,915.69 1,089.52 1,069,921.37 -14,915.69
13812.10389574 14,915.69 1,103.59 1,068,817.78 -14,915.69
13797.85719613 14,915.69 1,117.83 1,067,699.95 -14,915.69
13783.42657937 14,915.69 1,132.26 1,066,567.69 -14,915.69
13768.80967119 14,915.69 1,146.88 1,065,420.81 -14,915.69
13754.00406665 14,915.69 1,161.69 1,064,259.12 -14,915.69
13739.0073298 14,915.69 1,176.68 1,063,082.44 -14,915.69
13723.81699323 14,915.69 1,191.87 1,061,890.57 -14,915.69
13708.43055765 14,915.69 1,207.26 1,060,683.31 -14,915.69
13692.84549155 14,915.69 1,222.84 1,059,460.46 -14,915.69
13677.05923071 14,915.69 1,238.63 1,058,221.83 -14,915.69
13661.06917782 14,915.69 1,254.62 1,056,967.21 -14,915.69
13644.87270202 14,915.69 1,270.82 1,055,696.39 -14,915.69
13628.46713852 14,915.69 1,287.22 1,054,409.17 -14,915.69
13611.8497881 14,915.69 1,303.84 1,053,105.33 -14,915.69
13595.01791671 14,915.69 1,320.67 1,051,784.66 -14,915.69
13577.968755 14,915.69 1,337.72 1,050,446.93 -14,915.69
13560.69949787 14,915.69 1,354.99 1,049,091.94 -14,915.69
13543.20730401 14,915.69 1,372.48 1,047,719.46 -14,915.69
13525.48929543 14,915.69 1,390.20 1,046,329.26 -14,915.69
13507.54255698 14,915.69 1,408.15 1,044,921.11 -14,915.69
13489.36413588 14,915.69 1,426.33 1,043,494.79 -14,915.69
13470.95104123 14,915.69 1,444.74 1,042,050.05 -14,915.69
13452.30024353 14,915.69 1,463.39 1,040,586.66 -14,915.69
13433.40867417 14,915.69 1,482.28 1,039,104.38 -14,915.69
13414.2732249 14,915.69 1,501.42 1,037,602.96 -14,915.69
13394.89074737 14,915.69 1,520.80 1,036,082.16 -14,915.69
13375.25805258 14,915.69 1,540.43 1,034,541.73 -14,915.69
13355.37191036 14,915.69 1,560.32 1,032,981.41 -14,915.69
13335.22904885 14,915.69 1,580.46 1,031,400.95 -14,915.69
13314.82615393 14,915.69 1,600.86 1,029,800.08 -14,915.69
13294.15986872 14,915.69 1,621.53 1,028,178.55 -14,915.69
13273.22679299 14,915.69 1,642.46 1,026,536.09 -14,915.69
13252.02348262 14,915.69 1,663.67 1,024,872.42 -14,915.69
13230.54644902 14,915.69 1,685.14 1,023,187.28 -14,915.69
13208.79215859 14,915.69 1,706.90 1,021,480.38 -14,915.69
13186.75703208 14,915.69 1,728.93 1,019,751.45 -14,915.69
13164.43744405 14,915.69 1,751.25 1,018,000.20 -14,915.69
13141.82972226 14,915.69 1,773.86 1,016,226.34 -14,915.69
13118.93014706 14,915.69 1,796.76 1,014,429.58 -14,915.69
13095.73495078 14,915.69 1,819.96 1,012,609.62 -14,915.69
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ue refleja el poder adquisitivo de la moneda
dor (IPC). La UVR es certificada por el Banco
réditos de vivienda que le permite a las
inero prestado. 

stadisticas/unidad-valor-real-uvr