Factores de Financimiento
Factores de Financimiento
Factores de Financimiento
71
100 20 80 8.41 117.71 37.71
100 20 80 8.05 120.72 40.72
LINEA BLANCA
Nueva propuesta Ci 16
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento Int
0.0000 1 482.06 77.13 404.93 0 0 -404.93
0.5138 2 482.06 77.13 404.93 208.05 416.11 11.18
0.3456 3 482.06 77.13 404.93 139.94 419.83 14.9
0.2615 4 482.06 77.13 404.93 105.89 423.56 18.63
0.2110 5 482.06 77.13 404.93 85.44 427.2 22.27
0.1774 6 482.06 77.13 404.93 71.83 431.01 26.08
0.1533 7 482.06 77.13 404.93 62.08 434.53 29.60
0.1353 8 482.06 77.13 404.93 54.79 438.3 33.37
0.1213 9 482.06 77.13 404.93 49.12 442.06 37.13
0.1101 10 482.06 77.13 404.93 44.58 445.83 40.9
0.1009 11 482.06 77.13 404.93 40.86 449.43 44.5
0.0933 12 482.06 77.13 404.93 37.78 453.36 48.43
Actual Ci 20
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento Int
1.0612 1 400 80 320 339.58 339.58 19.58
0.5459 2 400 80 320 174.69 349.38 29.38
0.3741 3 400 80 320 119.71 359.14 39.14
0.2883 4 400 80 320 92.26 369.02 49.02
0.2367 5 400 80 320 75.74 378.72 58.72
0.2024 6 400 80 320 64.77 388.61 68.61
0.1778 7 400 80 320 56.90 398.27 78.27
0.1594 8 400 80 320 51.01 408.06 88.06
0.1451 9 400 80 320 46.43 417.89 97.89
0.1337 10 400 80 320 42.78 427.84 107.84
0.1243 11 400 80 320 39.78 437.54 117.54
0.1165 12 400 80 320 37.28 447.36 127.36
LINEA CAFÉ
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento Int
0.0000 1 512.82 82.05 430.77 0 0 -430.77
0.5138 2 512.82 76.92 435.9 223.96 447.93 12.03
0.3456 3 512.82 82.05 430.77 148.87 446.62 15.85
0.2615 4 512.82 82.05 430.77 112.65 450.58 19.82
0.2110 5 512.82 82.05 430.77 90.89 454.46 23.69
0.1774 6 512.82 82.05 430.77 76.42 458.51 27.74
0.1533 7 512.82 82.05 430.77 66.04 462.26 31.49
0.1353 8 512.82 82.05 430.77 58.28 466.26 35.5
0.1213 9 512.82 82.05 430.77 52.25 470.27 39.5
0.1101 10 512.82 82.05 430.77 47.43 474.28 43.51
0.1009 11 512.82 82.05 430.77 43.46 478.11 47.34
0.0933 12 512.82 82.05 430.77 40.19 482.29 51.52
0.0745 15 512.82 76.92 435.9 32.47 487.11 51.22
0.0745 15 408.03 0 408.03 30.4 455.97 47.94
Actual Ci 20
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento Int
1.0612 1 425.64 85.13 340.51 361.35 361.35 20.84
0.5459 2 425.64 85.13 340.51 185.89 371.77 31.26
0.3741 3 425.64 85.13 340.51 127.39 382.16 41.64
0.2883 4 425.64 85.13 340.51 98.17 392.68 52.17
0.2367 5 425.64 85.13 340.51 80.6 403 62.48
0.2024 6 425.64 85.13 340.51 68.92 413.52 73.01
0.1778 7 425.64 85.13 340.51 60.54 423.8 83.29
0.1594 8 425.64 85.13 340.51 54.28 434.22 93.71
0.1451 9 425.64 85.13 340.51 49.41 444.67 104.16
0.1337 10 425.64 85.13 340.51 45.53 455.26 114.75
0.1243 11 425.64 85.13 340.51 42.33 465.58 125.07
0.1165 12 425.64 85.13 340.51 39.67 476.04 135.52
43.39 34.71 3.33769230769231
47.14 37.71 3.36714285714286
50.9 40.72 3.39333333333333
11.87
9.84
39.52
LINEA BLANCA
Porcentaje Incremento Int Factor para el sistema Total finan MESES
-100 -404.93 -100.00000000000000 77.13 1
2.76 11.18 1.38000000000001 493.24 2
3.68 14.9 1.22666666666667 496.96 3
4.6 18.63 1.15000000000000 500.69 4
5.5 22.27 1.10000000000000 504.33 5
6.44 26.08 1.07333333333333 508.14 6
7.31 29.6 1.04428571428572 511.66 7
8.24 33.37 1.03000000000000 515.43 8
9.17 37.13 1.01888888888889 519.19 9
10.1 40.9 1.01000000000000 522.96 10
10.99 44.5 0.99909090909091 526.56 11
11.96 48.43 0.99666666666667 530.49 12
527.36
531.95
1.0087
0.1155
0.1175
A CAFÉ
CUOTA INICIAL VALOR DE CADA LETRA TOTAL DEL CREDITO
PROPUESTA DIFERENCIA
0 0
493.24 63.86
496.96 57.83
500.69 51.66
504.33 45.61
508.14 39.53
511.66 33.39
515.43 27.36
519.19 21.3
522.96 15.12
526.56 9.03
530.49 3.13
0.1165
TAL DEL CREDITO
PROPUESTA DIFERENCIA
0 0
524.71 67.81
528.67 61.39
532.64 54.83
536.51 48.39
540.56 41.92
544.31 35.38
548.32 28.97
552.32 22.52
556.33 15.94
560.16 9.45
564.34 3.18
Actual Ci 20
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes
0.1500 1 400 64 336 50.4 50.4
0.0168 2 400 64 336 5.65 11.29
0.0153 3 400 64 336 5.13 15.4
0.0138 4 400 64 336 4.62 18.48
0.0122 5 400 80 320 3.91 19.56
0.0107 6 400 80 320 3.42 20.53
0.0092 7 400 80 320 2.93 20.53
0.0076 8 400 80 320 2.44 19.56
0.0061 9 400 80 320 1.96 17.6
0.0046 10 400 80 320 1.47 14.67
0.0031 11 400 80 320 0.98 10.76
0.0183 12 400 80 320 5.86 70.27
Ci 16
Interes Meses Valor a finan Cuota inicial Saldo Valor finan Valor ci +fin
1.8300 1 400 64 336 6.15 342.15
3.6700 2 400 64 336 12.33 348.33
5.5000 3 400 64 336 18.48 354.48
7.3300 4 400 64 336 24.63 360.63
9.1700 5 400 64 336 30.81 366.81
11.0000 6 400 64 336 36.96 372.96
12.8300 7 400 64 336 43.11 379.11
14.6700 8 400 64 336 49.29 385.29
16.5000 9 400 64 336 55.44 391.44
18.3300 10 400 64 336 61.59 397.59
20.1700 11 400 64 336 67.77 403.77
22.0000 12 400 64 336 73.92 409.92
Ci 20
Interes Meses Valor a finan Cuota inicial Saldo Valor finan Valor ci +fin
1.8300 1 400 80 320 5.86 325.86
3.6700 2 400 80 320 11.74 331.74
5.5000 3 400 80 320 17.6 337.6
7.3300 4 400 80 320 23.46 343.46
9.1700 5 400 80 320 29.34 349.34
11.0000 6 400 80 320 35.2 355.2
12.8300 7 400 80 320 41.06 361.06
14.6700 8 400 80 320 46.94 366.94
16.5000 9 400 80 320 52.8 372.8
18.3300 10 400 80 320 58.66 378.66
20.1700 11 400 80 320 64.54 384.54
22.0000 12 400 80 320 70.4 390.4
Ci 25
Interes Meses Valor a finan Cuota inicial Saldo Valor finan Valor ci +fin
1.8300 1 400 100 300 5.49 305.49
3.6700 2 400 100 300 11.01 311.01
5.5000 3 400 100 300 16.5 316.5
7.3300 4 400 100 300 21.99 321.99
9.1700 5 400 100 300 27.51 327.51
11.0000 6 400 100 300 33 333
12.8300 7 400 100 300 38.49 338.49
14.6700 8 400 100 300 44.01 344.01
16.5000 9 400 100 300 49.5 349.5
18.3300 10 400 100 300 54.99 354.99
20.1700 11 400 100 300 60.51 360.51
22.0000 12 400 100 300 66 366
Ci 30
Interes Meses Valor a finan Cuota inicial Saldo Valor finan Valor ci +fin
1.8300 1 400 120 280 5.12 285.12
3.6700 2 400 120 280 10.28 290.28
5.5000 3 400 120 280 15.4 295.4
7.3300 4 400 120 280 20.52 300.52
9.1700 5 400 120 280 25.68 305.68
11.0000 6 400 120 280 30.8 310.8
12.8300 7 400 120 280 35.92 315.92
14.6700 8 400 120 280 41.08 321.08
16.5000 9 400 120 280 46.2 326.2
18.3300 10 400 120 280 51.32 331.32
20.1700 11 400 120 280 56.48 336.48
22.0000 12 400 120 280 61.6 341.6
Ci 40
Interes Meses Valor a finan Cuota inicial Saldo Valor finan Valor ci +fin
1.8300 1 400 160 240 4.39 244.39
3.6700 2 400 160 240 8.81 248.81
5.5000 3 400 160 240 13.2 253.2
7.3300 4 400 160 240 17.59 257.59
9.1700 5 400 160 240 22.01 262.01
11.0000 6 400 160 240 26.4 266.4
12.8300 7 400 160 240 30.79 270.79
14.6700 8 400 160 240 35.21 275.21
16.5000 9 400 160 240 39.6 279.6
18.3300 10 400 160 240 43.99 283.99
20.1700 11 400 160 240 48.41 288.41
22.0000 12 400 160 240 52.8 292.8
Ci 50
Interes Meses Valor a finan Cuota inicial Saldo Valor finan Valor ci +fin
1.8300 1 400 200 200 3.66 203.66
3.6700 2 400 200 200 7.34 207.34
5.5000 3 400 200 200 11 211
7.3300 4 400 200 200 14.66 214.66
9.1700 5 400 200 200 18.34 218.34
11.0000 6 400 200 200 22 222
12.8300 7 400 200 200 25.66 225.66
14.6700 8 400 200 200 29.34 229.34
16.5000 9 400 200 200 33 233
18.3300 10 400 200 200 36.66 236.66
20.1700 11 400 200 200 40.34 240.34
22.0000 12 400 200 200 44 244
Descuento 7 Ci
Factor para elTotal
sistema
finan Meses Factores Valor de venta Descto 7%
### 114.4 1
### 75.29 2 0.5138 512.82 35.90
### 79.4 3 0.3456 512.82 35.90
### 82.48 4 0.2615 512.82 35.90
### 99.56 5 0.2110 512.82 35.90
### 100.53 6 0.1774 512.82 35.90
### 100.53 7 0.1533 512.82 35.90
### 99.56 8 0.1353 512.82 35.90
### 97.6 9 0.1213 512.82 35.90
### 94.67 10 0.1101 512.82 35.90
### 90.76 11 0.1009 512.82 35.90
### 150.27 12 0.0933 512.82 35.90
Descuento 0 Ci
Meses Factores Valor de venta Descto 7%
Valor c/letra Total finan 1
342.15 406.15 2 0.5138 512.82 0.00
174.17 412.33 3 0.3456 512.82 0.00
118.16 418.48 4 0.2615 512.82 0.00
90.16 424.63 5 0.2110 512.82 0.00
73.36 430.81 6 0.1774 512.82 0.00
62.16 436.96 7 0.1533 512.82 0.00
54.16 443.11 8 0.1353 512.82 0.00
48.16 449.29 9 0.1213 512.82 0.00
43.49 455.44 10 0.1101 512.82 0.00
39.76 461.59 11 0.1009 512.82 0.00
36.71 467.77 12 0.0933 512.82 0.00
34.16 473.92
Descuento 17 Ci
Meses Factores Valor de venta Descto 7%
1
Valor c/letra Total finan 2 0.5138 512.82 87.18
325.86 405.86 3 0.3456 512.82 87.18
165.87 411.74 4 0.2615 512.82 87.18
112.53 417.60 5 0.2110 512.82 87.18
85.86 423.46 6 0.1774 512.82 87.18
69.87 429.34 7 0.1533 512.82 87.18
59.20 435.20 8 0.1353 512.82 87.18
51.58 441.06 9 0.1213 512.82 87.18
45.87 446.94 10 0.1101 512.82 87.18
41.42 452.80 11 0.1009 512.82 87.18
37.87 458.66 12 0.0933 512.82 87.18
34.96 464.54
32.53 470.40
Vigente hasta el 28 de junio
Descuento 17 Ci
Valor c/letra Total finan Meses Factores Valor de venta Descto 7%
305.49 405.49 1 1.0612 512.82 87.18
155.51 411.01 2 0.5459 512.82 87.18
105.50 416.50 3 0.3741 512.82 87.18
80.50 421.99 4 0.2883 512.82 87.18
65.50 427.51 5 0.2367 512.82 87.18
55.50 433.00 6 0.2024 512.82 87.18
48.36 438.49 7 0.1778 512.82 87.18
43.00 444.01 8 0.1594 512.82 87.18
38.83 449.50 9 0.1451 512.82 87.18
35.50 454.99 10 0.1337 512.82 87.18
32.77 460.51 11 0.1243 512.82 87.18
30.50 466.00 12 0.1165 512.82 87.18
15
Valor a finan Ci Saldo valor/letra Letras x mes Total finan
20
Valor a finan Ci Saldo valor/letra Letras x mes Total finan
20
Valor a finan Ci Saldo valor/letra Letras x mes Total finan
425.64 85.13 340.51 361.35 361.35 446.48
425.64 85.13 340.51 185.89 371.77 456.90
425.64 85.13 340.51 127.39 382.16 467.29
425.64 85.13 340.51 98.17 392.68 477.81
425.64 85.13 340.51 80.60 403.00 488.12
425.64 85.13 340.51 68.92 413.52 498.65
425.64 85.13 340.51 60.54 423.80 508.93
425.64 85.13 340.51 54.28 434.22 519.35
425.64 85.13 340.51 49.41 444.68 529.80
425.64 85.13 340.51 45.53 455.27 540.39
425.64 85.13 340.51 42.33 465.58 550.71
425.64 85.13 340.51 39.67 476.04 561.16
20
Valor a finan Ci Saldo valor/letra Letras x mes Total finan
487.18 97.44 389.74 413.60 413.60 511.03
487.18 97.44 389.74 212.76 425.52 522.96
487.18 97.44 389.74 145.80 437.41 534.84
487.18 97.44 389.74 112.36 449.45 546.89
487.18 97.44 389.74 92.25 461.26 558.70
487.18 97.44 389.74 78.88 473.30 570.74
487.18 97.44 389.74 69.30 485.07 582.51
487.18 97.44 389.74 62.13 497.00 594.44
487.18 97.44 389.74 56.55 508.97 606.40
487.18 97.44 389.74 52.11 521.09 618.52
487.18 97.44 389.74 48.45 532.90 630.33
487.18 97.44 389.74 45.41 544.86 642.30
0
Valor a finan Ci Saldo valor/letra Letras x mes Total finan
425.64 0 425.64 451.69 451.69 451.69
425.64 0 425.64 232.36 464.71 464.71
425.64 0 425.64 159.23 477.7 477.70
425.64 0 425.64 122.71 490.85 490.85
425.64 0 425.64 100.75 503.75 503.75
425.64 0 425.64 86.15 516.9 516.90
425.64 0 425.64 75.68 529.75 529.75
425.64 0 425.64 67.85 542.78 542.78
425.64 0 425.64 61.76 555.84 555.84
425.64 0 425.64 56.91 569.08 569.08
425.64 0 425.64 52.91 581.98 581.98
425.64 0 425.64 49.59 595.05 595.05
Descuento 0 Ci 16
Meses Factores Valor de ventaDescto 7% Valor a finan Ci
1
2 0.5138 512.82 0.00 512.82 82.05
3 0.3456 512.82 0.00 512.82 82.05
4 0.2615 512.82 0.00 512.82 82.05
5 0.2110 512.82 0.00 512.82 82.05
6 0.1774 512.82 0.00 512.82 82.05
7 0.1533 512.82 0.00 512.82 82.05
8 0.1353 512.82 0.00 512.82 82.05
9 0.1213 512.82 0.00 512.82 82.05
10 0.1101 512.82 0.00 512.82 82.05
11 0.1009 512.82 0.00 512.82 82.05
12 0.0933 512.82 0.00 512.82 82.05
Descuento 0 Ci 20
Meses Factores Valor de ventaDescto 7% Valor a finan Ci
1
2 0.5138 512.82 0.00 512.82 102.56
3 0.3456 512.82 0.00 512.82 102.56
4 0.2615 512.82 0.00 512.82 102.56
5 0.2110 512.82 0.00 512.82 102.56
6 0.1774 512.82 0.00 512.82 102.56
7 0.1533 512.82 0.00 512.82 102.56
8 0.1353 512.82 0.00 512.82 102.56
9 0.1213 512.82 0.00 512.82 102.56
10 0.1101 512.82 0.00 512.82 102.56
11 0.1009 512.82 0.00 512.82 102.56
12 0.0933 512.82 0.00 512.82 102.56
Descuento 0 Ci 25
Meses Factores Valor de ventaDescto 7% Valor a finan Ci
1
2 0.5138 512.82 0.00 512.82 128.21
3 0.3456 512.82 0.00 512.82 128.21
4 0.2615 512.82 0.00 512.82 128.21
5 0.2110 512.82 0.00 512.82 128.21
6 0.1774 512.82 0.00 512.82 128.21
7 0.1533 512.82 0.00 512.82 128.21
8 0.1353 512.82 0.00 512.82 128.21
9 0.1213 512.82 0.00 512.82 128.21
10 0.1101 512.82 0.00 512.82 128.21
11 0.1009 512.82 0.00 512.82 128.21
12 0.0933 512.82 0.00 512.82 128.21
Saldo % descuento Desc. X saldo Saldo – des valor/letra Letras x mes Total finan
Saldo % descuento Desc. X saldo Saldo – des valor/letra Letras x mes Total finan
223.96 524.85
150.65 528.86
113.99 532.87
91.97 536.79
77.33 540.89
66.82 544.68
58.98 548.74
52.87 552.79
47.99 556.85
43.98 560.73
40.67 564.95
22
12
100 8.33
Meses Saldo Financimiento Cuotas mes Intereses Total
1 100.00 1.83 10.17 1.8333 10.167
2 91.67 1.68 10.01 3.3611 20.028
3 83.33 1.53 9.86 4.5833 29.583
4 75.00 1.38 9.71 5.5000 38.833
5 66.67 1.22 9.56 6.1111 47.778
6 58.33 1.07 9.40 6.4167 56.417
7 50.00 0.92 9.25 6.4167 64.750
8 41.67 0.76 9.10 6.1111 72.778
9 33.33 0.61 8.94 5.5000 80.500
10 25.00 0.46 8.79 4.5833 87.917
11 16.67 0.31 8.64 3.3611 95.028
12 8.33 0.15 8.49 1.8333 101.833
55.61
22
11
100 9.09
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 10.92 1.8333 10.924
2 90.91 1.67 10.76 3.3333 21.515
3 81.82 1.50 10.59 4.5000 31.773
4 72.73 1.33 10.42 5.3333 41.697
5 63.64 1.17 10.26 5.8333 51.288
6 54.55 1.00 10.09 6.0000 60.545
7 45.45 0.83 9.92 5.8333 69.470
8 36.36 0.67 9.76 5.3333 78.061
9 27.27 0.50 9.59 4.5000 86.318
10 18.18 0.33 9.42 3.3333 94.242
11 9.09 0.17 9.26 1.8333 101.833
11.00 47.6667
22
10
100 10.00
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 11.83 1.8333 11.833
2 90.00 1.65 11.65 3.3000 23.300
3 80.00 1.47 11.47 4.4000 34.400
4 70.00 1.28 11.28 5.1333 45.133
5 60.00 1.10 11.10 5.5000 55.500
6 50.00 0.92 10.92 5.5000 65.500
7 40.00 0.73 10.73 5.1333 75.133
8 30.00 0.55 10.55 4.4000 84.400
9 20.00 0.37 10.37 3.3000 93.300
10 10.00 0.18 10.18 1.8333 101.833
40.33
22
9
100 11.11
Meses Saldo Financimiento Cuotas mes
1 11.11 0.20 11.31 0.2037 11.315
2 22.22 0.41 11.52 0.8148 23.037
3 33.33 0.61 11.72 1.8333 35.167
4 44.44 0.81 11.93 3.2593 47.704
5 55.56 1.02 12.13 5.0926 60.648
6 66.67 1.22 12.33 7.3333 74.000
7 77.78 1.43 12.54 9.9815 87.759
8 88.89 1.63 12.74 13.0370 101.926
9 100.00 1.83 12.94 16.5000 116.500
22
8
100 12.50
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 14.33 1.8333 14.333
2 87.50 1.60 14.10 3.2083 28.208
3 75.00 1.38 13.88 4.1250 41.625
4 62.50 1.15 13.65 4.5833 54.583
5 50.00 0.92 13.42 4.5833 67.083
6 37.50 0.69 13.19 4.1250 79.125
7 25.00 0.46 12.96 3.2083 90.708
8 12.50 0.23 12.73 1.8333 101.833
22
7
100 14.29
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 16.12 1.8333 16.119
2 85.71 1.57 15.86 3.1429 31.714
3 71.43 1.31 15.60 3.9286 46.786
4 57.14 1.05 15.33 4.1905 61.333
5 42.86 0.79 15.07 3.9286 75.357
6 28.57 0.52 14.81 3.1429 88.857
7 14.29 0.26 14.55 1.8333 101.833
22
6
100 16.67
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 18.50 1.8333 18.500
2 83.33 1.53 18.19 3.0556 36.389
3 66.67 1.22 17.89 3.6667 53.667
4 50.00 0.92 17.58 3.6667 70.333
5 33.33 0.61 17.28 3.0556 86.389
6 16.67 0.31 16.97 1.8333 101.833
22
5
100 20.00
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 21.83 1.8333 21.833
2 80.00 1.47 21.47 2.9333 42.933
3 60.00 1.10 21.10 3.3000 63.300
4 40.00 0.73 20.73 2.9333 82.933
5 20.00 0.37 20.37 1.8333 101.833
22
4
100 25.00
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 26.83 1.8333 26.833
2 75.00 1.38 26.38 2.7500 52.750
3 50.00 0.92 25.92 2.7500 77.750
4 25.00 0.46 25.46 1.8333 101.833
22
3
100 33.33
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 35.17 1.8333 35.167
2 66.67 1.22 34.56 2.4444 69.111
3 33.33 0.61 33.94 1.8333 101.833
22
2
100 50.00
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 51.83 1.8333 51.833
2 50.00 0.92 50.92 1.8333 101.833
22
1
100 100.00
Meses Saldo Financimiento Cuotas mes
1 100.00 1.83 101.83 1.8333 101.833
Meses Financimiento
1 1.83 1.83
2 3.67 1.83
3 5.5 1.83
4 7.33 1.83
5 9.16 1.83
6 11 1.83
7 12.83 1.83
8 14.66 1.83
9 16.5 1.83
10 18.33 1.83
11 20.17 1.83
12 22 1.83
15 14 13 12 11 10 9 8 7 6 5 4 3 2
430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183 0.0183
0.0769 0.0816 0.0872 0.0936 0.1012 0.1104 0.1215 0.1355 0.1535 0.1775 0.2111 0.2616 0.3456 0.5138
33.11 35.17 37.54 40.32 43.6 47.54 52.36 58.38 66.13 76.47 90.95 112.67 148.89 221.33
496.62 527.5 563.14 604.76 653.98 713.08 785.36 875.74 992 1147.07 1364.25 1690.1 2233.3 3319.89
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento Int Porcentaje Incremento Int Factor para el sistema Total finan VIEJO FACTORES
0.0000 1 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -100.00000000000000 76.92 Factores
0.5138 2 512.82 76.92 435.9 223.96 447.93 12.03 2.76 12.03 1.38000000000000 524.85 0.0000
0.3456 3 512.82 76.92 435.9 150.65 451.94 16.04 3.68 16.04 1.22666666666666 528.86 0.5138
0.2616 4 512.82 76.92 435.9 114.03 456.12 20.23 4.64 20.23 1.16000000000000 533.05 0.3456
0.2111 5 512.82 76.92 435.9 92.02 460.09 24.19 5.55 24.19 1.11000000000000 537.01 0.2615
0.1775 6 512.82 76.92 435.9 77.37 464.23 28.33 6.5 28.33 1.08333333333333 541.15 0.2110
0.1535 7 512.82 76.92 435.9 66.91 468.37 32.47 7.45 32.47 1.06428571428571 545.29 0.1774
0.1355 8 512.82 76.92 435.9 59.06 472.51 36.62 8.4 36.62 1.05000000000000 549.44 0.1533
0.1215 9 512.82 76.92 435.9 52.96 476.65 40.76 9.35 40.76 1.03888888888889 553.58 0.1353
0.1104 10 512.82 76.92 435.9 48.12 481.23 45.33 10.4 45.33 1.04000000000000 558.15 0.1213
0.1012 11 512.82 76.92 435.9 44.11 485.24 49.34 11.32 49.34 1.02909090909091 562.16 0.1101
0.0936 12 512.82 76.92 435.9 40.8 489.6 53.7 12.32 53.7 1.02666666666667 566.52 0.1009
0.0872 13 512.82 76.92 435.9 38.01 494.13 58.24 13.36 58.24 1.02769230769231 571.06 0.0933
0.0816 14 512.82 76.92 435.9 35.57 497.97 62.07 14.24 62.07 1.01714285714286 574.89 0.0000
0.0769 15 512.82 76.92 435.9 33.52 502.81 66.91 15.35 66.91 1.02333333333333 579.73 0.0000
0.06995 16 1215.15 0 1215.15 85 1360 144.85 11.92 144.85 0.74500000000000 1360 0.0000
0.09011 12 883.67 0 883.67 79.63 955.53 71.86 8.13 71.86 0.67766666666667 955.53
0.0186 60 713.5 49.41 664.09 12.35 741.03 76.94 11.59 76.94 0.19309156650050 790.44
0.0948 12 512.82 51.28 461.54 43.75 525.05 63.51 13.76 63.51 1.14666666666667 576.33
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento Int Porcentaje Incremento Int Factor para el sistema Total finan
0.0000 1 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -100.00000000000000 76.92
0.5107 2 512.82 76.92 435.9 222.61 445.23 9.33 2.14 9.33 1.07000000000001 522.15
0.3423 3 512.82 76.92 435.9 149.21 447.62 11.73 2.69 11.73 0.89666666666667 524.55
0.2583 4 512.82 76.92 435.9 112.59 450.37 14.47 3.32 14.47 0.83000000000000 527.29
0.2080 5 512.82 76.92 435.9 90.67 453.33 17.44 4 17.44 0.80000000000000 530.26
0.1744 6 512.82 76.92 435.9 76.02 456.12 20.23 4.64 20.23 0.77333333333333 533.05
0.1505 7 512.82 76.92 435.9 65.6 459.22 23.32 5.35 23.32 0.76428571428572 536.14
0.1325 8 512.82 76.92 435.9 57.76 462.05 26.15 6 26.15 0.75000000000000 538.97
0.1185 9 512.82 76.92 435.9 51.65 464.88 28.99 6.65 28.99 0.73888888888889 541.81
0.1073 10 512.82 76.92 435.9 46.77 467.72 31.82 7.3 31.82 0.73000000000000 544.64
0.0982 11 512.82 76.92 435.9 42.81 470.86 34.96 8.02 34.96 0.72909090909091 547.78
0.0906 12 512.82 76.92 435.9 39.49 473.91 38.01 8.72 38.01 0.72666666666667 550.83
1.07
0.9
0.83
0.8
0.77
0.76
0.75
0.74
0.73
0.73
0.73
16 12 411.7 60 CALCULO DE DIVIDENDOS
1215.15 883.67 500 699.47 665.06 FACTORTASA = TASAINTERES/(PERIODOS * 100)
0.0136 0.0123 40.21 0.0037 LICUOTA = FACTORTASA / (1-(1+FACTORTASA) ** - NUMEROD
0.069950 0.090117 17.87 0.0186 714.47 DIVIDENDO = CAPITAL * LICUOTA
85.00 79.63 969.78 13.01
1360.00 955.60 883.67 60 SEMANAL
60 52 SEMANAL
883.67 665.05 12 MENSUAL
79.63 0.0037 06 BIMENSUAL
0.0186 04 TRIMESTRAL
12.37 02 SEMESTRAL
01 ANUAL
354.12
125.77
69.9
11
560.79
512.79 48
VIEJO FACTORES Ci 15
Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes Incremento IntPorcentaje Incremento IntFactor para el sistema Total finan
1 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -100.00000000000000 76.92
2 512.82 76.92 435.9 223.96 447.93 12.03 2.76 12.03 1.38000000000000 524.85
3 512.82 76.92 435.9 150.65 451.94 16.04 3.68 16.04 1.22666666666666 528.86
4 512.82 76.92 435.9 113.99 455.95 20.05 4.6 20.05 1.15000000000000 532.87
5 512.82 76.92 435.9 91.97 459.87 23.97 5.5 23.97 1.10000000000000 536.79
6 512.82 76.92 435.9 77.33 463.97 28.07 6.44 28.07 1.07333333333334 540.89
7 512.82 76.92 435.9 66.82 467.76 31.86 7.31 31.86 1.04428571428572 544.68
8 512.82 76.92 435.9 58.98 471.81 35.92 8.24 35.92 1.03000000000000 548.74
9 512.82 76.92 435.9 52.87 475.87 39.97 9.17 39.97 1.01888888888889 552.79
10 512.82 76.92 435.9 47.99 479.92 44.03 10.1 44.03 1.01000000000000 556.85
11 512.82 76.92 435.9 43.98 483.8 47.91 10.99 47.91 0.99909090909091 560.73
12 512.82 76.92 435.9 40.67 488.03 52.13 11.96 52.13 0.99666666666667 564.95
13 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -7.69230769230769 76.92
14 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -7.14285714285714 76.92
15 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -6.66666666666667 76.92
AINTERES/(PERIODOS * 100) 0.0186 60 713.5 49.41 664.09 12.35 741.03 76.94 11.59 76.94 0.19309156650050
ASA / (1-(1+FACTORTASA) ** - NUMERODIVIDENDOS)) 0.0186 60 816.5 69.43 747.07 13.89 833.62 86.55 11.59 86.55 0.19309156650050
0.0186 60 725.5 61.66 663.84 12.35 740.75 76.91 11.59 76.91 0.19309156650050
0.0186 60 901.4 76.63 824.77 15.34 920.32 95.55 11.59 95.55 0.19309156650050
0.0186 60 587.35 49.94 537.41 9.99 599.67 62.26 11.59 62.26 0.19309156650050
0.0186 60 677.5 57.66 619.84 11.53 691.65 71.81 11.59 71.81 0.19309156650050
0.0186 60 1016.99 86.5 930.49 17.30 1038.29 107.8 11.59 107.8 0.19309156650050
0.0186 60 643.2 54.69 588.51 10.94 656.69 68.18 11.59 68.18 0.19309156650050
0.0186 60 719.5 61.21 658.29 12.24 734.56 76.27 11.59 76.27 0.19309156650050
0.0186 60 821.5 69.92 751.58 13.98 838.65 87.07 11.59 87.07 0.19309156650050
0.0186 60 883.5 75.14 808.36 15.03 902.01 93.65 11.59 93.65 0.19309156650050
4 3 2 1 Nueva propuesta Ci 0
790.44 430.77 430.77 354.17 354.17 Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mes
903.05 0.0150 0.0150 0.0150 0.0150 1.0150 1 354.17 0 354.17 359.48 359.48
802.41 0.2594 0.3434 0.5113 1.0150 0.5150 2 354.17 0 354.17 182.40 364.80
996.95 111.76 147.92 181.08 359.48 0.3483 3 354.17 0 354.17 123.36 370.07
649.61 447.04 443.76 362.16 359.48 0.2594 4 354.17 0 354.17 91.87 367.49
749.31
1124.79
711.38 1.5
795.77 3
908.57 4.5
977.15 364.8
2 USD 0 1 0m
2 USD 2 2 1m
2 USD 3 3 1.33 m
2 USD 4 4 1.5 m
0.75
0.5
0.37 1.12
0.37 1.12
Incremento IntPorcentaje Incremento IntFactor para el sistema Total finan
5.31 1.5 5.31 1.50000000000000 359.48
10.63 3 10.63 1.50000000000000 364.80
15.9 4.49 15.9 1.49666666666666 370.07
13.32 3.76 13.32 0.94000000000000 367.49
0 1 30 0
0 1 30 0
0 1 30 0
0 1 30 0
22
12
100 8.33
Meses Saldo FinancimientoCuotas mes Intereses Total
1 100.00 1.83 10.17 1.8333 10.167
2 91.67 1.68 10.01 3.3611 20.028
3 83.33 1.53 9.86 4.5833 29.583
4 75.00 1.38 9.71 5.5000 38.833
5 66.67 1.22 9.56 6.1111 47.778
6 58.33 1.07 9.40 6.4167 56.417
7 50.00 0.92 9.25 6.4167 64.750
8 41.67 0.76 9.10 6.1111 72.778
9 33.33 0.61 8.94 5.5000 80.500
10 25.00 0.46 8.79 4.5833 87.917
11 16.67 0.31 8.64 3.3611 95.028
12 8.33 0.15 8.49 1.8333 101.833
55.61
435.9 40.8
12 36.32
MESES
1 40.8 40.8 4.48 435.90 0.00
2 40.8 81.6 8.95 399.57 6.72
3 40.8 122.4 13.43 363.25 5.55
4 40.8 163.2 17.9 326.92 4.50
5 40.8 204 22.38 290.60 3.55
6 40.8 244.8 26.85 254.27 2.72
7 40.8 285.6 31.33 217.95 2.00
8 40.8 326.4 35.8 181.62 1.39
9 40.8 367.2 40.28 145.30 0.89
10 40.8 408 44.75 108.97 0.50
11 40.8 448.8 49.23 72.65 0.22
12 40.8 489.6 53.7 36.32 0.06
Meses Financimiento
1 1.83 1.83
2 3.67 1.83
3 5.5 1.83
4 7.33 1.83
5 9.16 1.83
6 11 1.83
7 12.83 1.83
8 14.66 1.83
9 16.5 1.83
10 18.33 1.83
11 20.17 1.83
12 22 1.83
TASA 17.33
15 14 13 12 11 10 9 8
430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0144 0.0144 0.0144 0.0144 0.0144 0.0144 0.0144 0.0144
0.0746 0.0794 0.0849 0.0914 0.0990 0.1081 0.1193 0.1333
32.15 34.21 36.58 39.36 42.64 46.57 51.39 57.4
482.2 478.88 475.57 472.27 468.99 465.72 462.47 459.23
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mesIncremento Int
0.0000 1 512.82 76.92 435.9 0 0 -435.9
0.5109 2 512.82 76.92 435.9 222.7 445.4 9.5
0.3430 3 512.82 76.92 435.9 149.51 448.54 12.64
0.2591 4 512.82 76.92 435.9 112.94 451.76 15.87
0.2087 5 512.82 76.92 435.9 90.97 454.86 18.96
0.1752 6 512.82 76.92 435.9 76.37 458.21 22.32
0.1512 7 512.82 76.92 435.9 65.91 461.35 25.46
0.1333 8 512.82 76.92 435.9 58.11 464.84 28.94
0.1193 9 512.82 76.92 435.9 52 468.02 32.13
0.1081 10 512.82 76.92 435.9 47.12 471.2 35.31
0.0990 11 512.82 76.92 435.9 43.15 474.69 38.79
0.0914 12 512.82 76.92 435.9 39.84 478.09 42.19
0.0849 13 512.82 76.92 435.9 37.02 481.23 45.33
0.0794 14 512.82 76.92 435.9 34.61 484.54 48.65
0.0746 15 512.82 76.92 435.9 32.52 487.77 51.87
capital 435.89
tasa 0.0144 17.33% / 12 meses
plazo 12 meses
TABLA DE AMORTIZACION
cap int pago saldo
435.89
1 33.53 6.29 39.82 402.36
2 34.01 5.81 39.82 368.36
3 34.50 5.32 39.82 333.86
4 35.00 4.82 39.82 298.86
5 35.50 4.32 39.82 263.35
6 36.02 3.80 39.82 227.34
7 36.54 3.28 39.82 190.80
8 37.06 2.76 39.82 153.73
9 37.60 2.22 39.82 116.13
10 38.14 1.68 39.82 77.99
11 38.69 1.13 39.82 39.30
12 39.25 0.57 39.82 0.05
MESES FACTORES
2 0.5109
3 0.3430
4 0.2591
5 0.2087
6 0.1752
7 0.1512
8 0.1333
9 0.1193
10 0.1081
11 0.0990
12 0.0914
13 0.0849
14 0.0794
15 0.0746
7 6 5 4 3 2
430.77 430.77 430.77 430.77 430.77 430.77
0.0144 0.0144 0.0144 0.0144 0.0144 0.0144
0.1512 0.1752 0.2087 0.2591 0.3430 0.5109
65.14 75.47 89.92 111.61 147.76 220.06
456.01 452.8 449.61 446.43 443.27 440.12
2 1.09
3 0.97
4 0.91
5 0.87
6 0.85
7 0.83
8 0.83
9 0.82
10 0.81
11 0.81
12 0.81
13 0.8
14 0.8
15 0.79
TASA 15
15 14 13 12 11 10 9 8 7 6 5 4 3 2
430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125 0.0125
0.0735 0.0783 0.0838 0.0903 0.0979 0.1070 0.1182 0.1321 0.1501 0.1740 0.2076 0.2579 0.3417 0.5094
31.67 33.73 36.11 38.88 42.16 46.09 50.9 56.92 64.65 74.97 89.41 111.08 147.19 219.43
475.09 472.24 469.4 466.57 463.75 460.94 458.14 455.35 452.58 449.81 447.06 444.32 441.58 438.86
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c Valor c x mesIncremento IntPorcentaje Incremento IntFactor para el sistema Total finan
0.0000 1 512.82 76.92 435.9 0 0 -435.9 -100 -435.9 -100.00000000000000 76.92
0.5094 2 512.82 76.92 435.9 222.05 444.09 8.19 1.88 8.19 0.94000000000000 521.01
0.3417 3 512.82 76.92 435.9 148.95 446.84 10.94 2.51 10.94 0.83666666666667 523.76
0.2579 4 512.82 76.92 435.9 112.42 449.67 13.77 3.16 13.77 0.79000000000000 526.59
0.2076 5 512.82 76.92 435.9 90.49 452.46 16.56 3.8 16.56 0.76000000000000 529.38
0.1740 6 512.82 76.92 435.9 75.85 455.08 19.18 4.4 19.18 0.73333333333333 532
0.1501 7 512.82 76.92 435.9 65.43 458 22.1 5.07 22.1 0.72428571428572 534.92
0.1321 8 512.82 76.92 435.9 57.58 460.66 24.76 5.68 24.76 0.71000000000000 537.58
0.1182 9 512.82 76.92 435.9 51.52 463.71 27.81 6.38 27.81 0.70888888888889 540.63
0.1070 10 512.82 76.92 435.9 46.64 466.41 30.51 7 30.51 0.70000000000000 543.33
0.0979 11 512.82 76.92 435.9 42.67 469.42 33.52 7.69 33.52 0.69909090909091 546.34
0.0903 12 512.82 76.92 435.9 39.36 472.34 36.44 8.36 36.44 0.69666666666667 549.26
0.0838 13 512.82 76.92 435.9 36.53 474.87 38.97 8.94 38.97 0.68769230769231 551.79
0.0783 14 512.82 76.92 435.9 34.13 477.83 41.93 9.62 41.93 0.68714285714286 554.75
0.0735 15 512.82 76.92 435.9 32.04 480.58 44.68 10.25 44.68 0.68333333333333 557.5
2 1.09
3 0.97
4 0.91
capital 435.89 5 0.87
tasa 0.0125 17.33% / 12 meses 6 0.85
plazo 12 meses 7 0.83
8 0.83
TABLA DE AMORTIZACION 9 0.82
cap int pago saldo 10 0.81
435.89 11 0.81
1 34.37 5.45 39.82 401.52 12 0.81
2 34.80 5.02 39.82 366.72 13 0.8
3 35.24 4.58 39.82 331.48 14 0.8
4 35.68 4.14 39.82 295.81 15 0.79
5 36.12 3.70 39.82 259.68
6 36.57 3.25 39.82 223.11
7 37.03 2.79 39.82 186.08
8 37.49 2.33 39.82 148.58
9 37.96 1.86 39.82 110.62
10 38.44 1.38 39.82 72.18
11 38.92 0.90 39.82 33.27
12 39.40 0.42 39.82 -6.14
MESES FACTORES
2 0.5094
3 0.3417
4 0.2579
5 0.2076
6 0.1740
7 0.1501
8 0.1321
9 0.1182
10 0.1070
11 0.0979
12 0.0903
13 0.0838
14 0.0783
15 0.0735
Meses Factor para el sistema ant Factor para el sistema
1
2 1.09000000000000 0.94000000000000
3 0.96666666666667 0.83666666666667
4 0.91000000000000 0.79000000000000
5 0.87000000000000 0.76000000000000
6 0.85333333333333 0.73333333333333
7 0.83428571428572 0.72428571428572
8 0.83000000000000 0.71000000000000
9 0.81888888888889 0.70888888888889
10 0.81000000000000 0.70000000000000
11 0.80909090909091 0.69909090909091
12 0.80666666666667 0.69666666666667
13 0.79991508206006 0.68769230769231
14 0.79714285714286 0.68714285714286
15 0.79333333333333 0.68333333333333
TASA 14
15 14
430.77 430.77
0.0117 0.0117
0.0731 0.0778
31.47 33.53
472.06 469.41
Nueva propuesta
Factores Meses
0.0000 1
0.5088 2
0.3411 3
0.2573 4
0.2071 5
0.1735 6
0.1496 7
0.1317 8
0.1177 9
0.1065 10
0.0974 11
0.0898 12
0.0834 13
0.0778 14
0.0731 15
capital 435.89
tasa 0.0125
plazo 12 meses
1
2
3
4
5
6
7
8
9
10
11
12
MESES
2
3
4
5
6
7
8
9
10
11
12
13
14
15
13 12 11
430.77 430.77 430.77
0.0117 0.0117 0.0117
0.0834 0.0898 0.0974
35.91 38.68 41.96
466.77 464.13 461.51
Ci 15
Valor a finan Cuota inicial Saldo
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
512.82 76.92 435.9
17.33% / 12 meses
TABLA DE AMORTIZACION
cap int pago
0.94000000000000
0.83666666666667
0.79000000000000
0.76000000000000
0.73333333333333
0.72428571428572
0.71000000000000
0.70888888888889
0.70000000000000
0.69909090909091
0.69666666666667
0.68769230769231
0.68714285714286
0.68333333333333
TASA 14.66
15 14 13 12 11 10
430.77 430.77 430.77 430.77 430.77 430.77
0.0122 0.0122 0.0122 0.0122 0.0122 0.0122
0.0734 0.0781 0.0837 0.0901 0.0977 0.1068
31.6 33.66 36.04 38.81 42.09 46.02
474.06 471.28 468.5 465.74 462.98 460.24
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c
0.0000 1 512.82 76.92 435.9 0
0.5092 2 512.82 76.92 435.9 221.96
0.3415 3 512.82 76.92 435.9 148.86
0.2577 4 512.82 76.92 435.9 112.33
0.2074 5 512.82 76.92 435.9 90.41
0.1739 6 512.82 76.92 435.9 75.8
0.1499 7 512.82 76.92 435.9 65.34
0.1320 8 512.82 76.92 435.9 57.54
0.1180 9 512.82 76.92 435.9 51.44
0.1068 10 512.82 76.92 435.9 46.55
0.0977 11 512.82 76.92 435.9 42.59
0.0901 12 512.82 76.92 435.9 39.27
0.0837 13 512.82 76.92 435.9 36.48
0.0781 14 512.82 76.92 435.9 34.04
0.0734 15 512.82 76.92 435.9 31.99
capital 435.89
tasa 0.0125 17.33% / 12 meses
plazo 12 meses
TABLA DE AMORTIZACION
cap int pago saldo
435.89
1 34.37 5.45 39.82 401.52
2 34.80 5.02 39.82 366.72
3 35.24 4.58 39.82 331.48
4 35.68 4.14 39.82 295.81
5 36.12 3.70 39.82 259.68
6 36.57 3.25 39.82 223.11
7 37.03 2.79 39.82 186.08
8 37.49 2.33 39.82 148.58
9 37.96 1.86 39.82 110.62
10 38.44 1.38 39.82 72.18
11 38.92 0.90 39.82 33.27
12 39.40 0.42 39.82 -6.14
MESES FACTORES
2 0.5088
3 0.3411
4 0.2573
5 0.2071
6 0.1735
7 0.1496
8 0.1317
9 0.1177
10 0.1065
11 0.0974
12 0.0898
13 0.0834
14 0.0778
15 0.0731
9 8 7 6 5 4 3
430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0122 0.0122 0.0122 0.0122 0.0122 0.0122 0.0122
0.1180 0.1320 0.1499 0.1739 0.2074 0.2577 0.3415
50.83 56.85 64.58 74.9 89.34 111 147.11
457.51 454.79 452.08 449.38 446.69 444.01 441.34
FACTOR
2 0.92 0.92
3 0.82 0.82
4 0.77 0.77
5 0.74 0.74
6 0.72 0.72
7 0.7 0.7
8 0.7 0.7
9 0.69 0.69
10 0.68 0.68
11 0.68 0.68
12 0.68 0.68
13 0.68 0.68
14 0.67 0.67
15 0.67 0.67
2
430.77
0.0122
0.5092
219.34
438.68
0.94000000000000
0.83666666666667
0.79000000000000
0.76000000000000
0.73333333333333
0.72428571428572
0.71000000000000
0.70888888888889
0.70000000000000
0.69909090909091
0.69666666666667
0.68769230769231
0.68714285714286
0.68333333333333
TASA 12.05
15 14 13 12 11 10
430.77 430.77 430.77 430.77 430.77 430.77
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0721 0.0769 0.0824 0.0889 0.0965 0.1056
31.08 33.14 35.51 38.28 41.56 45.49
466.18 463.91 461.65 459.4 457.16 454.92
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c
0.0000 1 512.82 76.92 435.9 0
0.5075 2 512.82 76.92 435.9 221.22
0.3401 3 512.82 76.92 435.9 148.25
0.2563 4 512.82 76.92 435.9 111.72
0.2061 5 512.82 76.92 435.9 89.84
0.1726 6 512.82 76.92 435.9 75.24
0.1487 7 512.82 76.92 435.9 64.82
0.1307 8 512.82 76.92 435.9 56.97
0.1168 9 512.82 76.92 435.9 50.91
0.1056 10 512.82 76.92 435.9 46.03
0.0965 11 512.82 76.92 435.9 42.06
0.0889 12 512.82 76.92 435.9 38.75
0.0824 13 512.82 76.92 435.9 35.92
0.0769 14 512.82 76.92 435.9 33.52
0.0721 15 512.82 76.92 435.9 31.43
capital 435.89
tasa 0.0125 17.33% / 12 meses
plazo 12 meses
TABLA DE AMORTIZACION
cap int pago saldo
435.89
1 34.37 5.45 39.82 401.52
2 34.80 5.02 39.82 366.72
3 35.24 4.58 39.82 331.48
4 35.68 4.14 39.82 295.81
5 36.12 3.70 39.82 259.68
6 36.57 3.25 39.82 223.11
7 37.03 2.79 39.82 186.08
8 37.49 2.33 39.82 148.58
9 37.96 1.86 39.82 110.62
10 38.44 1.38 39.82 72.18
11 38.92 0.90 39.82 33.27
12 39.40 0.42 39.82 -6.14
MESES FACTORES
2 0.5088
3 0.3411
4 0.2573
5 0.2071
6 0.1735
7 0.1496
8 0.1317
9 0.1177
10 0.1065
11 0.0974
12 0.0898
13 0.0834
14 0.0778
15 0.0731
9 8 7 6 5 4 3
430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.1168 0.1307 0.1487 0.1726 0.2061 0.2563 0.3401
50.3 56.31 64.04 74.34 88.77 110.41 146.48
452.69 450.46 448.25 446.04 443.83 441.64 439.45
FACTOR
2 0.7500000000000 0.75
3 0.6766666666667 0.68
4 0.6300000000000 0.63
5 0.6100000000000 0.61
6 0.5933333333333 0.59
7 0.5842857142857 0.58
8 0.5700000000000 0.57
9 0.5688888888889 0.57
10 0.5600000000000 0.56
11 0.5590909090909 0.56
12 0.5566666666667 0.56
13 0.5476923076923 0.55
14 0.5471428571429 0.55
15 0.5433333333333 0.54
2
430.77
0.0100
0.5075
218.63
437.27
0.46
101.34
15
1520.1 1421.61 98.49
0.94000000000000
0.83666666666667
0.79000000000000
0.76000000000000
0.73333333333333
0.72428571428572
0.71000000000000
0.70888888888889
0.70000000000000
0.69909090909091
0.69666666666667
0.68769230769231
0.68714285714286
0.68333333333333
TASA 13.25
15 14 13 12 11 10
430.77 430.77 430.77 430.77 430.77 430.77
0.0110 0.0110 0.0110 0.0110 0.0110 0.0110
0.0727 0.0775 0.0830 0.0894 0.0970 0.1062
31.32 33.38 35.75 38.53 41.8 45.74
469.8 467.29 464.8 462.31 459.83 457.36
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c
0.0000 1 512.82 76.92 435.9 0
0.5083 2 512.82 76.92 435.9 221.57
0.3407 3 512.82 76.92 435.9 148.51
0.2569 4 512.82 76.92 435.9 111.98
0.2067 5 512.82 76.92 435.9 90.1
0.1732 6 512.82 76.92 435.9 75.5
0.1492 7 512.82 76.92 435.9 65.04
0.1313 8 512.82 76.92 435.9 57.23
0.1173 9 512.82 76.92 435.9 51.13
0.1062 10 512.82 76.92 435.9 46.29
0.0970 11 512.82 76.92 435.9 42.28
0.0894 12 512.82 76.92 435.9 38.97
0.0830 13 512.82 76.92 435.9 36.18
0.0775 14 512.82 76.92 435.9 33.78
0.0727 15 512.82 76.92 435.9 31.69
capital 435.89
tasa 0.0125 17.33% / 12 meses
plazo 12 meses
TABLA DE AMORTIZACION
cap int pago saldo
435.89
1 34.37 5.45 39.82 401.52
2 34.80 5.02 39.82 366.72
3 35.24 4.58 39.82 331.48
4 35.68 4.14 39.82 295.81
5 36.12 3.70 39.82 259.68
6 36.57 3.25 39.82 223.11
7 37.03 2.79 39.82 186.08
8 37.49 2.33 39.82 148.58
9 37.96 1.86 39.82 110.62
10 38.44 1.38 39.82 72.18
11 38.92 0.90 39.82 33.27
12 39.40 0.42 39.82 -6.14
MESES FACTORES
2 0.5088
3 0.3411
4 0.2573
5 0.2071
6 0.1735
7 0.1496
8 0.1317
9 0.1177
10 0.1065
11 0.0974
12 0.0898
13 0.0834
14 0.0778
15 0.0731
9 8 7 6 5 4 3
430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0110 0.0110 0.0110 0.0110 0.0110 0.0110 0.0110
0.1173 0.1313 0.1492 0.1732 0.2067 0.2569 0.3407
50.54 56.56 64.29 74.59 89.03 110.68 146.77
454.9 452.45 450 447.57 445.14 442.73 440.32
0.46
101.34
15
1520.1 1421.61 98.49
Saldo Valor c/c Valor c x mesIncremento IntPorcentaje Incremento IntFactor para el sistema
158.2 12.26 147.13 -11.07 -7 -11.07 -0.58333333333333
Incremento IntFactor para el sistema Total finan
-13.73 -0.58333333333333 215.8
Total finan
175.05
TASA 12
15 14 13 12 11 10
430.77 430.77 430.77 430.77 430.77 430.77
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.0721 0.0769 0.0824 0.0888 0.0965 0.1056
31.07 33.13 35.5 38.27 41.55 45.48
466.03 463.77 461.52 459.28 457.04 454.82
Nueva propuesta Ci 15
Factores Meses Valor a finan Cuota inicial Saldo Valor c/c
0.0000 1 512.82 76.92 435.9 0
0.5075 2 512.82 76.92 435.9 221.22
0.3400 3 512.82 76.92 435.9 148.2
0.2563 4 512.82 76.92 435.9 111.72
0.2060 5 512.82 76.92 435.9 89.79
0.1725 6 512.82 76.92 435.9 75.19
0.1486 7 512.82 76.92 435.9 64.77
0.1307 8 512.82 76.92 435.9 56.97
0.1167 9 512.82 76.92 435.9 50.87
0.1056 10 512.82 76.92 435.9 46.03
0.0965 11 512.82 76.92 435.9 42.06
0.0888 12 512.82 76.92 435.9 38.71
0.0824 13 512.82 76.92 435.9 35.92
0.0769 14 512.82 76.92 435.9 33.52
0.0721 15 512.82 76.92 435.9 31.43
capital 435.89
tasa 0.0125 17.33% / 12 meses
plazo 12 meses
TABLA DE AMORTIZACION
cap int pago saldo
435.89
1 34.37 5.45 39.82 401.52
2 34.80 5.02 39.82 366.72
3 35.24 4.58 39.82 331.48
4 35.68 4.14 39.82 295.81
5 36.12 3.70 39.82 259.68
6 36.57 3.25 39.82 223.11
7 37.03 2.79 39.82 186.08
8 37.49 2.33 39.82 148.58
9 37.96 1.86 39.82 110.62
10 38.44 1.38 39.82 72.18
11 38.92 0.90 39.82 33.27
12 39.40 0.42 39.82 -6.14
MESES FACTORES
2 0.5088
3 0.3411
4 0.2573
5 0.2071
6 0.1735
7 0.1496
8 0.1317
9 0.1177
10 0.1065
11 0.0974
12 0.0898
13 0.0834
14 0.0778
15 0.0731
9 8 7 6 5 4 3
430.77 430.77 430.77 430.77 430.77 430.77 430.77
0.0100 0.0100 0.0100 0.0100 0.0100 0.0100 0.0100
0.1167 0.1307 0.1486 0.1725 0.2060 0.2563 0.3400
50.29 56.3 64.02 74.33 88.76 110.4 146.47
452.59 450.38 448.17 445.97 443.78 441.59 439.41
0.46
101.34
15
1520.1 1421.61 98.49
Saldo Valor c/c Valor c x mesIncremento IntPorcentaje Incremento IntFactor para el sistema
158.2 12.26 147.13 -11.07 -7 -11.07 -0.58333333333333
Incremento IntFactor para el sistema Total finan
-13.73 -0.58333333333333 215.8
Total finan
175.05
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