Caso Tyre Business Alumnos

COSTO PROMEDIO PONDERADO DE FINANCIAMIENTO
BANCO JP MORGAN SANTANDER HSBC TOTAL

CUPO APROBADO Q 350,000 Q 150,000 Q 25,000 525,000
CUPO USADO % 85.0% 60.0% 90.0%
CUPO UTILIZADO Q 297,500 Q 90,000 Q 22,500 Q 410,000

COMISION 1.0% 3.0% 3.0%
TASA DE INTERES 5.0% 6.0% 3.0%
PLAZO 60 60 60
CUOTA 5,614 1,740 404 7,758
COSTO PONDERADO 3.645% 1.367% 0.215% 5.23%

Q 0.73 3.63%
0.00017
3.64%
VIVIENDA FINANCIADA
1 Valor del equipo #NAME?
2 IVA 0
4 Tasa impuesto 0
5 Tasa interes de prestamo #NAME?
6 Tasa de descuento (anual) #NAME?
Plazo (meses): #NAME?
Financiamiento propio
Mes Gastos Pago Pago

Administrativos Capital Intereses
(-) (-) (-)
Interes 1 1.00 #NAME? #NAME?
2 #NAME? #NAME?
3 #NAME? #NAME?
4 #NAME? #NAME?
5 #NAME? #NAME?
6 #NAME? #NAME?
7 #NAME? #NAME?
8 #NAME? #NAME?
9 #NAME? #NAME?
10 #NAME? #NAME?
11 #NAME? #NAME?
#NAME? 12 #NAME? #NAME?
13 #NAME? #NAME?
14 #NAME? #NAME?
15 #NAME? #NAME?
16 #NAME? #NAME?
17 #NAME? #NAME?
18 #NAME? #NAME?
19 #NAME? #NAME?
20 #NAME? #NAME?
21 #NAME? #NAME?
22 #NAME? #NAME?
23 #NAME? #NAME?
25 #NAME? #NAME?
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27 #NAME? #NAME?
28 #NAME? #NAME?
29 #NAME? #NAME?
30 #NAME? #NAME?
31 #NAME? #NAME?
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33 #NAME? #NAME?
34 #NAME? #NAME?
35 #NAME? #NAME?
37 #NAME? #NAME?
38 #NAME? #NAME?
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40 #NAME? #NAME?
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43 #NAME? #NAME?
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51 #NAME? #NAME?
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54 #NAME? #NAME?
55 #NAME? #NAME?
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57 #NAME? #NAME?
58 #NAME? #NAME?
59 #NAME? #NAME?
61 #NAME? #NAME?
62 #NAME? #NAME?
63 #NAME? #NAME?
64 #NAME? #NAME?
65 #NAME? #NAME?
66 #NAME? #NAME?
67 #NAME? #NAME?
68 #NAME? #NAME?
69 #NAME? #NAME?
70 #NAME? #NAME?
71 #NAME? #NAME?
72 #NAME? #NAME?
73 #NAME? #NAME?
74 #NAME? #NAME?
75 #NAME? #NAME?
76 #NAME? #NAME?
77 #NAME? #NAME?
78 #NAME? #NAME?
79 #NAME? #NAME?
80 #NAME? #NAME?
81 #NAME? #NAME?
82 #NAME? #NAME?
83 #NAME? #NAME?
84 #NAME? #NAME?
85 #NAME? #NAME?
86 #NAME? #NAME?
87 #NAME? #NAME?
88 #NAME? #NAME?
89 #NAME? #NAME?
90 #NAME? #NAME?
91 #NAME? #NAME?
92 #NAME? #NAME?
93 #NAME? #NAME?
94 #NAME? #NAME?
95 #NAME? #NAME?
96 #NAME? #NAME?
97 #NAME? #NAME?
98 #NAME? #NAME?
99 #NAME? #NAME?
100 #NAME? #NAME?
101 #NAME? #NAME?
102 #NAME? #NAME?
103 #NAME? #NAME?
104 #NAME? #NAME?
105 #NAME? #NAME?
106 #NAME? #NAME?
107 #NAME? #NAME?
108 #NAME? #NAME?
109 #NAME? #NAME?
110 #NAME? #NAME?
111 #NAME? #NAME?
112 #NAME? #NAME?
113 #NAME? #NAME?
114 #NAME? #NAME?
115 #NAME? #NAME?
116 #NAME? #NAME?
117 #NAME? #NAME?
118 #NAME? #NAME?
119 #NAME? #NAME?
120 #NAME? #NAME?
121 #NAME? #NAME?
122 #NAME? #NAME?
123 #NAME? #NAME?
124 #NAME? #NAME?
125 #NAME? #NAME?
126 #NAME? #NAME?
127 #NAME? #NAME?
128 #NAME? #NAME?
129 #NAME? #NAME?
130 #NAME? #NAME?
131 #NAME? #NAME?
132 #NAME? #NAME?
133 #NAME? #NAME?
134 #NAME? #NAME?
135 #NAME? #NAME?
136 #NAME? #NAME?
137 #NAME? #NAME?
138 #NAME? #NAME?
139 #NAME? #NAME?
140 #NAME? #NAME?
141 #NAME? #NAME?
142 #NAME? #NAME?
143 #NAME? #NAME?
144 #NAME? #NAME?
145 #NAME? #NAME?
146 #NAME? #NAME?
147 #NAME? #NAME?
148 #NAME? #NAME?
149 #NAME? #NAME?
150 #NAME? #NAME?
151 #NAME? #NAME?
152 #NAME? #NAME?
153 #NAME? #NAME?
154 #NAME? #NAME?
155 #NAME? #NAME?
156 #NAME? #NAME?
157 #NAME? #NAME?
158 #NAME? #NAME?
159 #NAME? #NAME?
160 #NAME? #NAME?
161 #NAME? #NAME?
162 #NAME? #NAME?
163 #NAME? #NAME?
164 #NAME? #NAME?
165 #NAME? #NAME?
166 #NAME? #NAME?
167 #NAME? #NAME?
168 #NAME? #NAME?
169 #NAME? #NAME?
170 #NAME? #NAME?
171 #NAME? #NAME?
172 #NAME? #NAME?
173 #NAME? #NAME?
174 #NAME? #NAME?
175 #NAME? #NAME?
176 #NAME? #NAME?
177 #NAME? #NAME?
178 #NAME? #NAME?
179 #NAME? #NAME?
180 #NAME? #NAME?
181 #NAME? #NAME?
182 #NAME? #NAME?
183 #NAME? #NAME?
184 #NAME? #NAME?
185 #NAME? #NAME?
186 #NAME? #NAME?
187 #NAME? #NAME?
188 #NAME? #NAME?
189 #NAME? #NAME?
190 #NAME? #NAME?
191 #NAME? #NAME?
192 #NAME? #NAME?
193 #NAME? #NAME?
194 #NAME? #NAME?
195 #NAME? #NAME?
196 #NAME? #NAME?
197 #NAME? #NAME?
198 #NAME? #NAME?
199 #NAME? #NAME?
200 0 0
201 #NAME? #NAME?
202 #NAME? #NAME?
203 #NAME? #NAME?
204 #NAME? #NAME?
205 #NAME? #NAME?
206 #NAME? #NAME?
207 #NAME? #NAME?
208 #NAME? #NAME?
209 #NAME? #NAME?
210 #NAME? #NAME?
211 #NAME? #NAME?
212 #NAME? #NAME?
213 #NAME? #NAME?
214 #NAME? #NAME?
215 #NAME? #NAME?
216 #NAME? #NAME?
217 #NAME? #NAME?
218 #NAME? #NAME?
219 #NAME? #NAME?
220 #NAME? #NAME?
221 #NAME? #NAME?
222 #NAME? #NAME?
223 #NAME? #NAME?
224 #NAME? #NAME?
225 #NAME? #NAME?
226 #NAME? #NAME?
227 #NAME? #NAME?
228 #NAME? #NAME?
229 #NAME? #NAME?
230 #NAME? #NAME?
231 #NAME? #NAME?
232 #NAME? #NAME?
233 #NAME? #NAME?
234 #NAME? #NAME?
235 #NAME? #NAME?
236 #NAME? #NAME?
237 #NAME? #NAME?
238 #NAME? #NAME?
239 #NAME? #NAME?
240 #NAME? #NAME?
TOTAL 15 Años #NAME? #NAME?
VIVIENDA FINANCIADA
2 IVA 0
4 Tasa impuesto 0

(-) (-) (-)
1 1.00 #NAME? #NAME?
2 #NAME? #NAME?
3 #NAME? #NAME?
4 #NAME? #NAME?
5 #NAME? #NAME?
6 #NAME? #NAME?
7 #NAME? #NAME?
8 #NAME? #NAME?
9 #NAME? #NAME?
10 #NAME? #NAME?
11 #NAME? #NAME?
12 #NAME? #NAME?
13 #NAME? #NAME?
14 #NAME? #NAME?
15 #NAME? #NAME?
16 #NAME? #NAME?
17 #NAME? #NAME?
18 #NAME? #NAME?
19 #NAME? #NAME?
20 #NAME? #NAME?
21 #NAME? #NAME?
22 #NAME? #NAME?
23 #NAME? #NAME?
24 #NAME? #NAME?
25 #NAME? #NAME?
26 #NAME? #NAME?
27 #NAME? #NAME?
28 #NAME? #NAME?
29 #NAME? #NAME?
30 #NAME? #NAME?
31 #NAME? #NAME?
32 #NAME? #NAME?
33 #NAME? #NAME?
34 #NAME? #NAME?
35 #NAME? #NAME?
36 #NAME? #NAME?
37 #NAME? #NAME?
38 #NAME? #NAME?
39 #NAME? #NAME?
40 #NAME? #NAME?
41 #NAME? #NAME?
42 #NAME? #NAME?
43 #NAME? #NAME?
44 #NAME? #NAME?
45 #NAME? #NAME?
46 #NAME? #NAME?
47 #NAME? #NAME?
48 #NAME? #NAME?
49 #NAME? #NAME?
50 #NAME? #NAME?
51 #NAME? #NAME?
52 #NAME? #NAME?
53 #NAME? #NAME?
54 #NAME? #NAME?
55 #NAME? #NAME?
56 #NAME? #NAME?
57 #NAME? #NAME?
58 #NAME? #NAME?
59 #NAME? #NAME?
60 #NAME? #NAME?
61 #NAME? #NAME?
62 #NAME? #NAME?
63 #NAME? #NAME?
64 #NAME? #NAME?
65 #NAME? #NAME?
66 #NAME? #NAME?
67 #NAME? #NAME?
68 #NAME? #NAME?
69 #NAME? #NAME?
70 #NAME? #NAME?
71 #NAME? #NAME?
72 #NAME? #NAME?
73 #NAME? #NAME?
74 #NAME? #NAME?
75 #NAME? #NAME?
76 #NAME? #NAME?
77 #NAME? #NAME?
78 #NAME? #NAME?
79 #NAME? #NAME?
80 #NAME? #NAME?
81 #NAME? #NAME?
82 #NAME? #NAME?
83 #NAME? #NAME?
84 #NAME? #NAME?
85 #NAME? #NAME?
86 #NAME? #NAME?
87 #NAME? #NAME?
88 #NAME? #NAME?
89 #NAME? #NAME?
90 #NAME? #NAME?
91 #NAME? #NAME?
92 #NAME? #NAME?
93 #NAME? #NAME?
94 #NAME? #NAME?
95 #NAME? #NAME?
96 #NAME? #NAME?
97 #NAME? #NAME?
98 #NAME? #NAME?
99 #NAME? #NAME?
100 #NAME? #NAME?
101 #NAME? #NAME?
102 #NAME? #NAME?
103 #NAME? #NAME?
104 #NAME? #NAME?
105 #NAME? #NAME?
106 #NAME? #NAME?
107 #NAME? #NAME?
108 #NAME? #NAME?
109 #NAME? #NAME?
110 #NAME? #NAME?
111 #NAME? #NAME?
112 #NAME? #NAME?
113 #NAME? #NAME?
114 #NAME? #NAME?
115 #NAME? #NAME?
116 #NAME? #NAME?
117 #NAME? #NAME?
118 #NAME? #NAME?
119 #NAME? #NAME?
120 #NAME? #NAME?
121 #NAME? #NAME?
122 #NAME? #NAME?
123 #NAME? #NAME?
124 #NAME? #NAME?
125 #NAME? #NAME?
126 #NAME? #NAME?
127 #NAME? #NAME?
128 #NAME? #NAME?
129 #NAME? #NAME?
130 #NAME? #NAME?
131 #NAME? #NAME?
132 #NAME? #NAME?
133 #NAME? #NAME?
134 #NAME? #NAME?
135 #NAME? #NAME?
136 #NAME? #NAME?
137 #NAME? #NAME?
138 #NAME? #NAME?
139 #NAME? #NAME?
140 #NAME? #NAME?
141 #NAME? #NAME?
142 #NAME? #NAME?
143 #NAME? #NAME?
144 #NAME? #NAME?
145 #NAME? #NAME?
146 #NAME? #NAME?
147 #NAME? #NAME?
148 #NAME? #NAME?
149 #NAME? #NAME?
150 #NAME? #NAME?
151 #NAME? #NAME?
152 #NAME? #NAME?
153 #NAME? #NAME?
154 #NAME? #NAME?
155 #NAME? #NAME?
156 #NAME? #NAME?
157 #NAME? #NAME?
158 #NAME? #NAME?
159 #NAME? #NAME?
160 #NAME? #NAME?
161 #NAME? #NAME?
162 #NAME? #NAME?
163 #NAME? #NAME?
164 #NAME? #NAME?
165 #NAME? #NAME?
166 #NAME? #NAME?
167 #NAME? #NAME?
168 #NAME? #NAME?
169 #NAME? #NAME?
170 #NAME? #NAME?
171 #NAME? #NAME?
172 #NAME? #NAME?
173 #NAME? #NAME?
174 #NAME? #NAME?
175 #NAME? #NAME?
176 #NAME? #NAME?
177 #NAME? #NAME?
178 #NAME? #NAME?
179 #NAME? #NAME?
180 #NAME? #NAME?
181 #NAME? #NAME?
182 #NAME? #NAME?
183 #NAME? #NAME?
184 #NAME? #NAME?
185 #NAME? #NAME?
186 #NAME? #NAME?
187 #NAME? #NAME?
188 #NAME? #NAME?
189 #NAME? #NAME?
190 #NAME? #NAME?
191 #NAME? #NAME?
192 #NAME? #NAME?
193 #NAME? #NAME?
194 #NAME? #NAME?
195 #NAME? #NAME?
196 #NAME? #NAME?
197 #NAME? #NAME?
198 #NAME? #NAME?
199 #NAME? #NAME?
200 #NAME? #NAME?
201 #NAME? #NAME?
202 #NAME? #NAME?
203 #NAME? #NAME?
204 #NAME? #NAME?
205 #NAME? #NAME?
206 #NAME? #NAME?
207 #NAME? #NAME?
208 #NAME? #NAME?
209 #NAME? #NAME?
210 #NAME? #NAME?
211 #NAME? #NAME?
212 #NAME? #NAME?
213 #NAME? #NAME?
214 #NAME? #NAME?
215 #NAME? #NAME?
216 #NAME? #NAME?
217 #NAME? #NAME?
218 #NAME? #NAME?
219 #NAME? #NAME?
220 #NAME? #NAME?
221 #NAME? #NAME?
222 #NAME? #NAME?
223 #NAME? #NAME?
224 #NAME? #NAME?
225 #NAME? #NAME?
226 #NAME? #NAME?
227 #NAME? #NAME?
228 #NAME? #NAME?
229 #NAME? #NAME?
230 #NAME? #NAME?
231 #NAME? #NAME?
232 #NAME? #NAME?
233 #NAME? #NAME?
234 #NAME? #NAME?
235 #NAME? #NAME?
236 #NAME? #NAME?
237 #NAME? #NAME?
238 #NAME? #NAME?
239 #NAME? #NAME?
240 #NAME? #NAME?
VIVIENDA FINANCIADA
2 IVA 0
4 Tasa impuesto 0

(-) (-) (-)
2 #NAME? #NAME?
3 #NAME? #NAME?
4 #NAME? #NAME?
5 #NAME? #NAME?
6 #NAME? #NAME?
7 #NAME? #NAME?
8 #NAME? #NAME?
9 #NAME? #NAME?
10 #NAME? #NAME?
11 #NAME? #NAME?
12 #NAME? #NAME?
13 #NAME? #NAME?
14 #NAME? #NAME?
15 #NAME? #NAME?
16 #NAME? #NAME?
17 #NAME? #NAME?
18 #NAME? #NAME?
19 #NAME? #NAME?
20 #NAME? #NAME?
21 #NAME? #NAME?
22 #NAME? #NAME?
23 #NAME? #NAME?
24 #NAME? #NAME?
25 #NAME? #NAME?
26 #NAME? #NAME?
27 #NAME? #NAME?
28 #NAME? #NAME?
29 #NAME? #NAME?
30 #NAME? #NAME?
31 #NAME? #NAME?
32 #NAME? #NAME?
33 #NAME? #NAME?
34 #NAME? #NAME?
35 #NAME? #NAME?
36 #NAME? #NAME?
37 #NAME? #NAME?
38 #NAME? #NAME?
39 #NAME? #NAME?
40 #NAME? #NAME?
41 #NAME? #NAME?
42 #NAME? #NAME?
43 #NAME? #NAME?
44 #NAME? #NAME?
45 #NAME? #NAME?
46 #NAME? #NAME?
47 #NAME? #NAME?
48 #NAME? #NAME?
49 #NAME? #NAME?
50 #NAME? #NAME?
51 #NAME? #NAME?
52 #NAME? #NAME?
53 #NAME? #NAME?
54 #NAME? #NAME?
55 #NAME? #NAME?
56 #NAME? #NAME?
57 #NAME? #NAME?
58 #NAME? #NAME?
59 #NAME? #NAME?
60 #NAME? #NAME?
61 #NAME? #NAME?
62 #NAME? #NAME?
63 #NAME? #NAME?
64 #NAME? #NAME?
65 #NAME? #NAME?
66 #NAME? #NAME?
67 #NAME? #NAME?
68 #NAME? #NAME?
69 #NAME? #NAME?
70 #NAME? #NAME?
71 #NAME? #NAME?
72 #NAME? #NAME?
73 #NAME? #NAME?
74 #NAME? #NAME?
75 #NAME? #NAME?
76 #NAME? #NAME?
77 #NAME? #NAME?
78 #NAME? #NAME?
79 #NAME? #NAME?
80 #NAME? #NAME?
81 #NAME? #NAME?
82 #NAME? #NAME?
83 #NAME? #NAME?
84 #NAME? #NAME?
85 #NAME? #NAME?
86 #NAME? #NAME?
87 #NAME? #NAME?
88 #NAME? #NAME?
89 #NAME? #NAME?
90 #NAME? #NAME?
91 #NAME? #NAME?
92 #NAME? #NAME?
93 #NAME? #NAME?
94 #NAME? #NAME?
95 #NAME? #NAME?
96 #NAME? #NAME?
97 #NAME? #NAME?
98 #NAME? #NAME?
99 #NAME? #NAME?
100 #NAME? #NAME?
101 #NAME? #NAME?
102 #NAME? #NAME?
103 #NAME? #NAME?
104 #NAME? #NAME?
105 #NAME? #NAME?
106 #NAME? #NAME?
107 #NAME? #NAME?
108 #NAME? #NAME?
109 #NAME? #NAME?
110 #NAME? #NAME?
111 #NAME? #NAME?
112 #NAME? #NAME?
113 #NAME? #NAME?
114 #NAME? #NAME?
115 #NAME? #NAME?
116 #NAME? #NAME?
117 #NAME? #NAME?
118 #NAME? #NAME?
119 #NAME? #NAME?
120 #NAME? #NAME?
121 #NAME? #NAME?
122 #NAME? #NAME?
123 #NAME? #NAME?
124 #NAME? #NAME?
125 #NAME? #NAME?
126 #NAME? #NAME?
127 #NAME? #NAME?
128 #NAME? #NAME?
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130 #NAME? #NAME?
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133 #NAME? #NAME?
134 #NAME? #NAME?
135 #NAME? #NAME?
136 #NAME? #NAME?
137 #NAME? #NAME?
138 #NAME? #NAME?
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142 #NAME? #NAME?
143 #NAME? #NAME?
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150 #NAME? #NAME?
151 #NAME? #NAME?
152 #NAME? #NAME?
153 #NAME? #NAME?
154 #NAME? #NAME?
155 #NAME? #NAME?
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157 #NAME? #NAME?
158 #NAME? #NAME?
159 #NAME? #NAME?
160 #NAME? #NAME?
161 #NAME? #NAME?
162 #NAME? #NAME?
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164 #NAME? #NAME?
165 #NAME? #NAME?
166 #NAME? #NAME?
167 #NAME? #NAME?
168 #NAME? #NAME?
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170 #NAME? #NAME?
171 #NAME? #NAME?
172 #NAME? #NAME?
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174 #NAME? #NAME?
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198 #NAME? #NAME?
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201 #NAME? #NAME?
202 #NAME? #NAME?
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204 #NAME? #NAME?
205 #NAME? #NAME?
206 #NAME? #NAME?
207 #NAME? #NAME?
208 #NAME? #NAME?
209 #NAME? #NAME?
210 #NAME? #NAME?
211 #NAME? #NAME?
212 #NAME? #NAME?
213 #NAME? #NAME?
214 #NAME? #NAME?
215 #NAME? #NAME?
216 #NAME? #NAME?
217 #NAME? #NAME?
218 #NAME? #NAME?
219 #NAME? #NAME?
220 #NAME? #NAME?
221 #NAME? #NAME?
222 #NAME? #NAME?
223 #NAME? #NAME?
224 #NAME? #NAME?
225 #NAME? #NAME?
226 #NAME? #NAME?
227 #NAME? #NAME?
228 #NAME? #NAME?
229 #NAME? #NAME?
230 #NAME? #NAME?
231 #NAME? #NAME?
232 #NAME? #NAME?
233 #NAME? #NAME?
234 #NAME? #NAME?
235 #NAME? #NAME?
236 #NAME? #NAME?
237 #NAME? #NAME?
238 #NAME? #NAME?
239 #NAME? #NAME?
240 #NAME? #NAME?
VIVIENDA FINANCIADA
2 IVA 0
4 Tasa impuesto 0

(-) (-) (-)
2 #NAME? #NAME?
3 #NAME? #NAME?
4 #NAME? #NAME?
5 #NAME? #NAME?
6 #NAME? #NAME?
7 #NAME? #NAME?
8 #NAME? #NAME?
9 #NAME? #NAME?
10 #NAME? #NAME?
11 #NAME? #NAME?
12 #NAME? #NAME?
13 #NAME? #NAME?
14 #NAME? #NAME?
15 #NAME? #NAME?
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17 #NAME? #NAME?
18 #NAME? #NAME?
19 #NAME? #NAME?
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34 #NAME? #NAME?
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40 #NAME? #NAME?
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43 #NAME? #NAME?
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45 #NAME? #NAME?
46 #NAME? #NAME?
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48 #NAME? #NAME?
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50 #NAME? #NAME?
51 #NAME? #NAME?
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84 #NAME? #NAME?
85 #NAME? #NAME?
86 #NAME? #NAME?
87 #NAME? #NAME?
88 #NAME? #NAME?
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90 #NAME? #NAME?
91 #NAME? #NAME?
92 #NAME? #NAME?
93 #NAME? #NAME?
94 #NAME? #NAME?
95 #NAME? #NAME?
96 #NAME? #NAME?
97 #NAME? #NAME?
98 #NAME? #NAME?
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100 #NAME? #NAME?
101 #NAME? #NAME?
102 #NAME? #NAME?
103 #NAME? #NAME?
104 #NAME? #NAME?
105 #NAME? #NAME?
106 #NAME? #NAME?
107 #NAME? #NAME?
108 #NAME? #NAME?
109 #NAME? #NAME?
110 #NAME? #NAME?
111 #NAME? #NAME?
112 #NAME? #NAME?
113 #NAME? #NAME?
114 #NAME? #NAME?
115 #NAME? #NAME?
116 #NAME? #NAME?
117 #NAME? #NAME?
118 #NAME? #NAME?
119 #NAME? #NAME?
120 #NAME? #NAME?
121 #NAME? #NAME?
122 #NAME? #NAME?
123 #NAME? #NAME?
124 #NAME? #NAME?
125 #NAME? #NAME?
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127 #NAME? #NAME?
128 #NAME? #NAME?
129 #NAME? #NAME?
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131 #NAME? #NAME?
132 #NAME? #NAME?
133 #NAME? #NAME?
134 #NAME? #NAME?
135 #NAME? #NAME?
136 #NAME? #NAME?
137 #NAME? #NAME?
138 #NAME? #NAME?
139 #NAME? #NAME?
140 #NAME? #NAME?
141 #NAME? #NAME?
142 #NAME? #NAME?
143 #NAME? #NAME?
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5 ANOS
Cuota Escudo Escudo Flujo Flujo Factor Valor

Nivelada Fiscal Deprecia Fiscal Intereses Terminal Neto Descuento Descontado
(+) (+) (+)
#NAME? #NAME? #NAME? #NAME? #NAME? #NAME?
0 #NAME? #NAME? #NAME? #NAME? #NAME?
0 #NAME? 0.00 #NAME? #NAME? #NAME?
#NAME? #NAME? VNA #NAME?
#NAME? VNA #NAME?
#NAME? VF #NAME?
10 ANOS

(+) (+) (+)
VNA #NAME?
VF #NAME?
15 ANOS

(+) (+) (+)
0 #NAME? #NAME? #NAME? #NAME? #NAME?
VNA #NAME?
VF #NAME?
20 ANOS

(+) (+) (+)
VNA #NAME?
VF #NAME?
TYRE BUSINESS, S.A.
MODELO FINANCIERO
CREACIÓN O DESTRUCCIÓN DE
Años 0 1
Inversión
Unidades Vendidas 20,000,000
Precio Unitario
Costo Variable Unitario
Ventas
Costo de Ventas
Ganancia Bruta
Gastos Operativos
Sueldos & Pasivos Laborales
Alquileres
Combustibles
Mantenimiento Equipo Computo
Arrendamiento Financiero
Mantenimiento Preventivo
Actualizacion de Software
Ganancia Operativa
Costo Financiero
Utilidades antes de Impuestos
Impuesto sobre la Renta
Utilidad Neta -20,000,000

Net Operating Profit After Taxes
NOPAT despues de
Beneficio Operativo
Impuestos
Capital
Return on InvestedROIC
Capital Retorno sobre
el capital Invertido
WACC
Weighted Average Cost of Capital
Costo Promedio ponderado del Capital
EVA
Economic Value Added
Valor economico agregado
Economic Value added (EVA)
Años 1
WACC
EVA
Factor de Descuento
Valor Presente EVA
Sumatoria del VP EVA
+ Valor Presente EVA
- Inversión
= Creacion de Valor
Valor Presente DCF

SINESS, S.A.
FINANCIERO
RUCCIÓN DE VALOR
2 3 4 5
ue added (EVA)
2 3 4 5
TAX 25%
WACC 8%
TAX 7% 7%
Declaración de variables de Entrad
Ventas Valores
Unidades Vendidas 30,000.00
Incremento en unidades vendidas 2.50%
Incremento en unidades vendidas 3.25%
Gastos Fabrica
Materia Prima CIF Q 50.00

Mano de Obra Q 20.00
Gastos Fabrica Q 5.00
Disminución en Materia Prima cada año 2%
Incremento Mano de Obra cada año 5%
Disminución Indirectos Fabrica cada año 10%
Princing
Margen sobre precio de Ventas 45%

Margen sobre costo 55%
Gastos Operativos
Sueldos & Pasivos Laborales 8%

Alquileres 4%
Combustibles 2%
Mantenimiento Equipo Computo 1%
Arrendamiento Financiero 3%
Mantenimiento Preventivo 2%
Actualizacion de Software 4%
Costos Financiero
Determine el Costo de Capital Ponderado Ver Anexo
de variables de Entrada
Frecuencia Fecha de Implementación

Mes inicial 1er mes de año 1
mensual A partir de Feb a Junio del año 1
mensual A partir de 2do semestre del año 1
Anual A partir del año 1

Anual A partir de 3er año
Anual A partir 3er año
Anual A partir de 3er año
Anual A partir del primer año

Anual A partir del 3er año
Sobre Ventas A partir del primer año

Calcular el Costo Financiero de

Anual cada año
PRONOSTICO DE VENTAS EN UNIDADES
AÑO 1
MES 1 2 3 4 5 6 7 8
Unidades 30,000
Aumentos /
Disminuciones
UNIDADES
9 10 11 12 TOTAL
30,000
PRONOSTICO DE VENTAS
X VENTA y tasa de crecimiento

LOG Pendiente 10^m -1
1 30,000
2 0
3 0
4 0
5 0
6 0
7 0
8 0
9 0
10 0
11 0
12 0
Unidades año 1 30,000
X VENTA
1
2
3
4
5
6
7
8
9
10
11
12
Unidades año 2 0
X VENTA
1
2
3
4
5
6
7
8
9
10
11
12
Unidades año 3 0
X VENTA
1
2
3
4
5
6
7
8
9
10
11
12
Unidades año 4 0
X VENTA
1
2
3
4
5
6
7
8
9
10
11
12
Unidades año 5 0
TYRE BUSINESS, S.A.
PRICING
MES 1 2 3 4 5
Materia Prima CIF
Aumentos / Disminuciones
Compras Netas
DAI
Costo Materia Prima
MANO DE OBRA
Mano de Obra Neto
GASTOS FABRICA
Mano de Obra Neto
COSTO DE ENVOLOPE
Pricing
Margen de ganancia
Mark Up
Mark Down
Ganancia
% de Margen Bruto
Sensibilidad de utilidad
ISR 25% ISR 7.40%
Venta % Utilidad 25% 7.00%
100 5.0% 1.25 7
100 10.0% 2.50 7
100 15.0% 3.75 7
100 20.0% 5.00 7
100 25.0% 6.25 7
100 25.6% 6.40 7
100 28.0% 7.00 7
100 30.0% 7.50 7
100 32.0% 8.00 7
TYRE BUSINESS
INDICADORES FINANCIEROS
PERIODO CONTABLE 1 2
Razones de Liquidez
Liquidez corriente
Razón rápida
Capital de Trabajo
Ciclo de Conversion del Efectivo

+ Ciclo de Inventario
+ Ciclo de Cuenta por Cobrar / Cliente
- Ciclo de pago
= Ciclo de conversion del efectivo
Cuentas de Balance General

Inventario
Cuentas por Cobrar
Proveedores
Indices de actividad
Rotación de inventarios
Periodo de conversion del Inventario
Periodo promedio de cobro
Periodo promedio de pago
Índice de endeudamiento
3 4 5
98427
11.1
2,993.26
TYRE BUSINESS
INFORMACIÓN FINANCIERA
CIFRAS EXPRESADAS EN QUETZALES
INTEGRACIÓN 1 2 3
Activo Corriente Q 25,000,000 Q 31,250,000 Q 39,062,500

Inventario Q 9,047,834 Q 10,468,120 Q 12,624,713
Cuenta por cobrar Q 11,094,852 Q 7,469,509 Q 9,584,794
Activo total Q 58,050,521 Q 63,855,573 Q 70,241,130
Pasivo Corriente Q 8,500,000 Q 8,925,000 Q 10,263,750

Proveedores Q 7,500,000 Q 7,875,000 Q 9,056,250
Pasivo Total Q 24,000,000 Q 25,200,000 Q 26,460,000
Ventas
Costo de ventas
Ganancia Bruta
Gastos de Operación
3 3
Q 48,828,125 Q 53,710,938
Q 15,780,892 Q 19,726,114
Q 11,980,993 Q 14,976,241
Q 84,289,356 Q 105,361,695
Q 11,803,313 Q 13,573,809
Q 10,414,688 Q 11,976,891
Q 27,783,000 Q 29,172,150

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COSTO PROMEDIO PONDERADO DE FINANCIAMIENTO

BANCO JP MORGAN SANTANDER HSBC TOTAL

CUPO UTILIZADO Q 297,500 Q 90,000 Q 22,500 Q 410,000

CUOTA 5,614 1,740 404 7,758

COSTO PONDERADO 3.645% 1.367% 0.215% 5.23%

Plazo (meses): #NAME?

Mes Gastos Pago Pago

Mes Gastos Pago Pago

Plazo (meses): #NAME?

Mes Gastos Pago Pago

Plazo (meses): #NAME?

Mes Gastos Pago Pago

Cuota Escudo Escudo Flujo Flujo Factor Valor

Cuota Escudo Escudo Flujo Flujo Factor Valor

Cuota Escudo Escudo Flujo Flujo Factor Valor

Cuota Escudo Escudo Flujo Flujo Factor Valor

Impuesto sobre la Renta

Utilidad Neta -20,000,000

Economic Value added (EVA)

Valor Presente EVA

Sumatoria del VP EVA

+ Valor Presente EVA

Valor Presente DCF

Materia Prima CIF Q 50.00

Margen sobre precio de Ventas 45%

Sueldos & Pasivos Laborales 8%

Frecuencia Fecha de Implementación

Anual A partir del año 1

Anual A partir del primer año

Sobre Ventas A partir del primer año

Calcular el Costo Financiero de

X VENTA y tasa de crecimiento

Materia Prima CIF

Costo Materia Prima

Ciclo de Conversion del Efectivo

Cuentas de Balance General

Activo Corriente Q 25,000,000 Q 31,250,000 Q 39,062,500

Pasivo Corriente Q 8,500,000 Q 8,925,000 Q 10,263,750

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