1.

5%
A B C D E F

Saldo
Saldo Inters = Total= Depsito Saldo Final
Mes Inicial B*i = D+E
B+C

1 $10,000 $150 $10,150 $10,150

2 $10,150 $152 $10,302 $10,302
3 $10,302 $155 $10,457 $7,500 $17,957
4 $17,957 $269 $18,226 $18,226
5 $18,226 $273 $18,500 $8,000 $26,500
6 $26,500 $397 $26,897 $26,897
7 $26,897 $403 $27,300 $27,300
8 $27,300 $410 $27,710 $12,000 $39,710
9 $39,710 $596 $40,306 $40,306
10 $40,306 $605 $40,910 $40,910
11 $40,910 $614 $41,524 $41,524
12 $41,524 $623 $42,147 $42,147
13 $42,147 $632 $42,779 $42,779
14 $42,779 $642 $43,421 $43,421
15 $43,421 $651 $44,072 $15,000 $59,072
16 $59,072 $886 $59,958 $59,958
17 $59,958 $899 $60,857 $60,857
18 $60,857 $913 $61,770 $61,770
19 $61,770 $927 $62,697 $62,697
20 $62,697 $940 $63,637 $63,637
21 $63,637 $955 $64,592 $64,592
22 $64,592 $969 $65,561 $65,561
23 $65,561 $983 $66,544 $66,544
24 $66,544 $998 $67,542 $67,542
 1.5%
A B C D E F

Saldo
Saldo Inters = Total= Depsito Saldo Final
Mes Inicial B*i = D+E
B+C

1 $0 $0 $0 $0
2 $0 $0 $0 $16,791 $16,791
3 $16,791 $252 $17,043 $17,043
4 $17,043 $256 $17,299 $16,791 $34,090
5 $34,090 $511 $34,601 $34,601
6 $34,601 $519 $35,121 $35,121
7 $35,121 $527 $35,647 $16,791 $52,439
8 $52,439 $787 $53,225 $53,225
9 $53,225 $798 $54,024 $54,024
10 $54,024 $810 $54,834 $54,834
11 $54,834 $823 $55,656 $55,656
12 $55,656 $835 $56,491 $56,491
13 $56,491 $847 $57,339 $57,339
14 $57,339 $860 $58,199 $58,199
15 $58,199 $873 $59,072 $59,072
16 $59,072 $886 $59,958 $59,958
17 $59,958 $899 $60,857 $60,857
18 $60,857 $913 $61,770 $61,770
19 $61,770 $927 $62,697 $62,697
20 $62,697 $940 $63,637 $63,637
21 $63,637 $955 $64,592 $64,592
22 $64,592 $969 $65,560 $65,560
23 $65,560 $983 $66,544 $66,544
24 $66,544 $998 $67,542 $67,542
Costo de adquisicin $230,000
Tasa de inters 2.5%
Plazo (meses) 60
Enganche (%) 30%
Cantidad a deber $161,000
TABLA DE AMORTIZACIN
Mes Saldo Inicial Inters Saldo Total Mensualidad Saldo Final
1 $161,000 $4,025 $165,025 -$5,209 $159,816
2 $159,816 $3,995 $163,812 -$5,209 $158,603
3 $158,603 $3,965 $162,568 -$5,209 $157,359
4 $157,359 $3,934 $161,293 -$5,209 $156,084
5 $156,084 $3,902 $159,986 -$5,209 $154,777
6 $154,777 $3,869 $158,646 -$5,209 $153,438
7 $153,438 $3,836 $157,274 -$5,209 $152,065
8 $152,065 $3,802 $155,866 -$5,209 $150,657
9 $150,657 $3,766 $154,424 -$5,209 $149,215
10 $149,215 $3,730 $152,945 -$5,209 $147,736
11 $147,736 $3,693 $151,430 -$5,209 $146,221
12 $146,221 $3,656 $149,876 -$5,209 $144,667
13 $144,667 $3,617 $148,284 -$5,209 $143,075
14 $143,075 $3,577 $146,652 -$5,209 $141,443
15 $141,443 $3,536 $144,979 -$5,209 $139,770
16 $139,770 $3,494 $143,265 -$5,209 $138,056
17 $138,056 $3,451 $141,507 -$5,209 $136,298
18 $136,298 $3,407 $139,706 -$5,209 $134,497
19 $134,497 $3,362 $137,859 -$5,209 $132,650
20 $132,650 $3,316 $135,967 -$5,209 $130,758
21 $130,758 $3,269 $134,027 -$5,209 $128,818
22 $128,818 $3,220 $132,038 -$5,209 $126,829
23 $126,829 $3,171 $130,000 -$5,209 $124,791
24 $124,791 $3,120 $127,911 -$5,209 $122,702
25 $122,702 $3,068 $125,770 -$5,209 $120,561
26 $120,561 $3,014 $123,575 -$5,209 $118,366
27 $118,366 $2,959 $121,325 -$5,209 $116,116
28 $116,116 $2,903 $119,019 -$5,209 $113,810
29 $113,810 $2,845 $116,655 -$5,209 $111,446
30 $111,446 $2,786 $114,233 -$5,209 $109,024
31 $109,024 $2,726 $111,749 -$5,209 $106,540
32 $106,540 $2,664 $109,204 -$5,209 $103,995
33 $103,995 $2,600 $106,595 -$5,209 $101,386
34 $101,386 $2,535 $103,921 -$5,209 $98,712
35 $98,712 $2,468 $101,180 -$5,209 $95,971
36 $95,971 $2,399 $98,370 -$5,209 $93,161
37 $93,161 $2,329 $95,490 -$5,209 $90,281
38 $90,281 $2,257 $92,538 -$5,209 $87,329
39 $87,329 $2,183 $89,513 -$5,209 $84,304
40 $84,304 $2,108 $86,411 -$5,209 $81,202
41 $81,202 $2,030 $83,232 -$5,209 $78,023
42 $78,023 $1,951 $79,974 -$5,209 $74,765
43 $74,765 $1,869 $76,634 -$5,209 $71,425
44 $71,425 $1,786 $73,211 -$5,209 $68,002
45 $68,002 $1,700 $69,702 -$5,209 $64,493
46 $64,493 $1,612 $66,106 -$5,209 $60,897
47 $60,897 $1,522 $62,419 -$5,209 $57,210
48 $57,210 $1,430 $58,641 -$5,209 $53,432
49 $53,432 $1,336 $54,767 -$5,209 $49,559
50 $49,559 $1,239 $50,797 -$5,209 $45,589
51 $45,589 $1,140 $46,728 -$5,209 $41,519
52 $41,519 $1,038 $42,557 -$5,209 $37,349
53 $37,349 $934 $38,282 -$5,209 $33,073
54 $33,073 $827 $33,900 -$5,209 $28,691
55 $28,691 $717 $29,409 -$5,209 $24,200
56 $24,200 $605 $24,805 -$5,209 $19,596
57 $19,596 $490 $20,086 -$5,209 $14,877
58 $14,877 $372 $15,249 -$5,209 $10,040
59 $10,040 $251 $10,291 -$5,209 $5,082
60 $5,082 $127 $5,209 -$5,209 $0
Costo de adquisicin $230,000
Tasa de inters 2.5%
Plazo (meses) 48
Enganche (%) 30%
Cantidad a deber $161,000

TABLA DE AMORTIZACIN
Mes Saldo Inicial Inters Saldo Total Mensualidad Saldo Final
1 $161,000 $4,025 $165,025 -$5,797 $159,228
2 $159,228 $3,981 $163,209 -$5,797 $157,412
3 $157,412 $3,935 $161,347 -$5,797 $155,550
4 $155,550 $3,889 $159,439 -$5,797 $153,642
5 $153,642 $3,841 $157,483 -$5,797 $151,686
6 $151,686 $3,792 $155,478 -$5,797 $149,681
7 $149,681 $3,742 $153,423 -$5,797 $147,626
8 $147,626 $3,691 $151,317 -$5,797 $145,520
9 $145,520 $3,638 $149,158 -$5,797 $143,361
10 $143,361 $3,584 $146,945 -$5,797 $141,148
11 $141,148 $3,529 $144,677 -$5,797 $138,880
12 $138,880 $3,472 $142,352 -$5,797 $136,555
13 $136,555 $3,414 $139,969 -$5,797 $134,172
14 $134,172 $3,354 $137,526 -$5,797 $131,729
15 $131,729 $3,293 $135,022 -$5,797 $129,225
16 $129,225 $3,231 $132,456 -$5,797 $126,659
17 $126,659 $3,166 $129,825 -$5,797 $124,028
18 $124,028 $3,101 $127,129 -$5,797 $121,332
19 $121,332 $3,033 $124,365 -$5,797 $118,569
20 $118,569 $2,964 $121,533 -$5,797 $115,736
21 $115,736 $2,893 $118,629 -$5,797 $112,832
22 $112,832 $2,821 $115,653 -$5,797 $109,856
23 $109,856 $2,746 $112,602 -$5,797 $106,805
24 $106,805 $2,670 $109,476 -$5,797 $103,679
25 $103,679 $2,592 $106,271 -$5,797 $100,474
26 $100,474 $2,512 $102,985 -$5,797 $97,189
27 $97,189 $2,430 $99,618 -$5,797 $93,821
28 $93,821 $2,346 $96,167 -$5,797 $90,370
29 $90,370 $2,259 $92,629 -$5,797 $86,832
30 $86,832 $2,171 $89,003 -$5,797 $83,206
31 $83,206 $2,080 $85,286 -$5,797 $79,489
32 $79,489 $1,987 $81,476 -$5,797 $75,679
33 $75,679 $1,892 $77,571 -$5,797 $71,774
34 $71,774 $1,794 $73,569 -$5,797 $67,772
35 $67,772 $1,694 $69,466 -$5,797 $63,669
36 $63,669 $1,592 $65,261 -$5,797 $59,464
37 $59,464 $1,487 $60,950 -$5,797 $55,154
38 $55,154 $1,379 $56,532 -$5,797 $50,735
39 $50,735 $1,268 $52,004 -$5,797 $46,207
40 $46,207 $1,155 $47,362 -$5,797 $41,565
41 $41,565 $1,039 $42,604 -$5,797 $36,807
42 $36,807 $920 $37,727 -$5,797 $31,930
43 $31,930 $798 $32,729 -$5,797 $26,932
44 $26,932 $673 $27,605 -$5,797 $21,808
45 $21,808 $545 $22,353 -$5,797 $16,556
46 $16,556 $414 $16,970 -$5,797 $11,173
47 $11,173 $279 $11,453 -$5,797 $5,656
48 $5,656 $141 $5,797 -$5,797 $0
49 $0 $0 $0 $0 $0
50 $0 $0 $0 $0 $0
51 $0 $0 $0 $0 $0
52 $0 $0 $0 $0 $0
53 $0 $0 $0 $0 $0
54 $0 $0 $0 $0 $0
55 $0 $0 $0 $0 $0
56 $0 $0 $0 $0 $0
57 $0 $0 $0 $0 $0
58 $0 $0 $0 $0 $0
59 $0 $0 $0 $0 $0
60 $0 $0 $0 $0 $0
Costo de adquisicin $230,000
Tasa de inters 2.5%
Plazo (meses) 36
Enganche (%) 30%
Cantidad a deber $161,000
TABLA DE AMORTIZACIN
Mes Saldo Inicial Inters Saldo Total Mensualidad Saldo Final
1 $161,000 $4,025 $165,025 -$6,835 $158,190
2 $158,190 $3,955 $162,145 -$6,835 $155,310
3 $155,310 $3,883 $159,193 -$6,835 $152,358
4 $152,358 $3,809 $156,167 -$6,835 $149,333
5 $149,333 $3,733 $153,066 -$6,835 $146,231
6 $146,231 $3,656 $149,887 -$6,835 $143,052
7 $143,052 $3,576 $146,629 -$6,835 $139,794
8 $139,794 $3,495 $143,289 -$6,835 $136,454
9 $136,454 $3,411 $139,865 -$6,835 $133,031
10 $133,031 $3,326 $136,357 -$6,835 $129,522
11 $129,522 $3,238 $132,760 -$6,835 $125,925
12 $125,925 $3,148 $129,073 -$6,835 $122,239
13 $122,239 $3,056 $125,295 -$6,835 $118,460
14 $118,460 $2,961 $121,421 -$6,835 $114,587
15 $114,587 $2,865 $117,451 -$6,835 $110,617
16 $110,617 $2,765 $113,382 -$6,835 $106,547
17 $106,547 $2,664 $109,211 -$6,835 $102,376
18 $102,376 $2,559 $104,936 -$6,835 $98,101
19 $98,101 $2,453 $100,554 -$6,835 $93,719
20 $93,719 $2,343 $96,062 -$6,835 $89,227
21 $89,227 $2,231 $91,458 -$6,835 $84,623
22 $84,623 $2,116 $86,739 -$6,835 $79,904
23 $79,904 $1,998 $81,902 -$6,835 $75,067
24 $75,067 $1,877 $76,943 -$6,835 $70,109
25 $70,109 $1,753 $71,862 -$6,835 $65,027
26 $65,027 $1,626 $66,652 -$6,835 $59,818
27 $59,818 $1,495 $61,313 -$6,835 $54,479
28 $54,479 $1,362 $55,840 -$6,835 $49,006
29 $49,006 $1,225 $50,231 -$6,835 $43,396
30 $43,396 $1,085 $44,481 -$6,835 $37,646
31 $37,646 $941 $38,588 -$6,835 $31,753
32 $31,753 $794 $32,547 -$6,835 $25,712
33 $25,712 $643 $26,355 -$6,835 $19,520
34 $19,520 $488 $20,008 -$6,835 $13,173
35 $13,173 $329 $13,503 -$6,835 $6,668
36 $6,668 $167 $6,835 -$6,835 $0
37 $0 $0 $0 $0 $0
38 $0 $0 $0 $0 $0
39 $0 $0 $0 $0 $0
40 $0 $0 $0 $0 $0
41 $0 $0 $0 $0 $0
42 $0 $0 $0 $0 $0
43 $0 $0 $0 $0 $0
44 $0 $0 $0 $0 $0
45 $0 $0 $0 $0 $0
46 $0 $0 $0 $0 $0
47 $0 $0 $0 $0 $0
48 $0 $0 $0 $0 $0
49 $0 $0 $0 $0 $0
50 $0 $0 $0 $0 $0
51 $0 $0 $0 $0 $0
52 $0 $0 $0 $0 $0
53 $0 $0 $0 $0 $0
54 $0 $0 $0 $0 $0
55 $0 $0 $0 $0 $0
56 $0 $0 $0 $0 $0
57 $0 $0 $0 $0 $0
58 $0 $0 $0 $0 $0
59 $0 $0 $0 $0 $0
60 $0 $0 $0 $0 $0
Costo de adquisicin $230,000
Tasa de inters 2.5%
Plazo (meses) 60
Enganche (%) $100,000
Cantidad a deber $130,000
TABLA DE AMORTIZACIN
Mes Saldo Inicial Inters Saldo Total Mensualidad Saldo Final
1 $130,000 $3,250 $133,250 -$4,206 $129,044
2 $129,044 $3,226 $132,270 -$4,206 $128,064
3 $128,064 $3,202 $131,266 -$4,206 $127,060
4 $127,060 $3,176 $130,236 -$4,206 $126,030
5 $126,030 $3,151 $129,181 -$4,206 $124,975
6 $124,975 $3,124 $128,100 -$4,206 $123,894
7 $123,894 $3,097 $126,991 -$4,206 $122,785
8 $122,785 $3,070 $125,855 -$4,206 $121,649
9 $121,649 $3,041 $124,690 -$4,206 $120,484
10 $120,484 $3,012 $123,496 -$4,206 $119,290
11 $119,290 $2,982 $122,272 -$4,206 $118,067
12 $118,067 $2,952 $121,018 -$4,206 $116,812
13 $116,812 $2,920 $119,733 -$4,206 $115,527
14 $115,527 $2,888 $118,415 -$4,206 $114,209
15 $114,209 $2,855 $117,064 -$4,206 $112,858
16 $112,858 $2,821 $115,680 -$4,206 $111,474
17 $111,474 $2,787 $114,260 -$4,206 $110,055
18 $110,055 $2,751 $112,806 -$4,206 $108,600
19 $108,600 $2,715 $111,315 -$4,206 $107,109
20 $107,109 $2,678 $109,787 -$4,206 $105,581
21 $105,581 $2,640 $108,220 -$4,206 $104,014
22 $104,014 $2,600 $106,615 -$4,206 $102,409
23 $102,409 $2,560 $104,969 -$4,206 $100,763
24 $100,763 $2,519 $103,282 -$4,206 $99,076
25 $99,076 $2,477 $101,553 -$4,206 $97,347
26 $97,347 $2,434 $99,781 -$4,206 $95,575
27 $95,575 $2,389 $97,964 -$4,206 $93,758
28 $93,758 $2,344 $96,102 -$4,206 $91,896
29 $91,896 $2,297 $94,194 -$4,206 $89,988
30 $89,988 $2,250 $92,238 -$4,206 $88,032
31 $88,032 $2,201 $90,232 -$4,206 $86,026
32 $86,026 $2,151 $88,177 -$4,206 $83,971
33 $83,971 $2,099 $86,070 -$4,206 $81,864
34 $81,864 $2,047 $83,911 -$4,206 $79,705
35 $79,705 $1,993 $81,698 -$4,206 $77,492
36 $77,492 $1,937 $79,429 -$4,206 $75,223
37 $75,223 $1,881 $77,104 -$4,206 $72,898
38 $72,898 $1,822 $74,720 -$4,206 $70,514
39 $70,514 $1,763 $72,277 -$4,206 $68,071
40 $68,071 $1,702 $69,773 -$4,206 $65,567
41 $65,567 $1,639 $67,206 -$4,206 $63,000
42 $63,000 $1,575 $64,575 -$4,206 $60,369
43 $60,369 $1,509 $61,879 -$4,206 $57,673
44 $57,673 $1,442 $59,115 -$4,206 $54,909
45 $54,909 $1,373 $56,281 -$4,206 $52,075
46 $52,075 $1,302 $53,377 -$4,206 $49,171
47 $49,171 $1,229 $50,401 -$4,206 $46,195
48 $46,195 $1,155 $47,349 -$4,206 $43,144
49 $43,144 $1,079 $44,222 -$4,206 $40,016
50 $40,016 $1,000 $41,017 -$4,206 $36,811
51 $36,811 $920 $37,731 -$4,206 $33,525
52 $33,525 $838 $34,363 -$4,206 $30,157
53 $30,157 $754 $30,911 -$4,206 $26,705
54 $26,705 $668 $27,373 -$4,206 $23,167
55 $23,167 $579 $23,746 -$4,206 $19,540
56 $19,540 $489 $20,029 -$4,206 $15,823
57 $15,823 $396 $16,218 -$4,206 $12,012
58 $12,012 $300 $12,313 -$4,206 $8,107
59 $8,107 $203 $8,309 -$4,206 $4,103
60 $4,103 $103 $4,206 -$4,206 $0
Costo de adquisicin $230,000
Tasa de inters 2.5%
Plazo (meses) 48
Enganche (%) 30%
Cantidad a deber $161,000 VP de las Anualidades
Anualidades $20,000 A transformar en Mensualidades
TABLA DE AMORTIZACIN
Mes Saldo Inicial Inters Saldo Total Mensualidad Saldo Final
1 $161,000 $4,025 $165,025 -$4,347 $160,678
2 $160,678 $4,017 $164,695 -$4,347 $160,347
3 $160,347 $4,009 $164,356 -$4,347 $160,009
4 $160,009 $4,000 $164,009 -$4,347 $159,662
5 $159,662 $3,992 $163,654 -$4,347 $159,306
6 $159,306 $3,983 $163,289 -$4,347 $158,942
7 $158,942 $3,974 $162,915 -$4,347 $158,568
8 $158,568 $3,964 $162,532 -$4,347 $158,185
9 $158,185 $3,955 $162,140 -$4,347 $157,792
10 $157,792 $3,945 $161,737 -$4,347 $157,390
11 $157,390 $3,935 $161,325 -$4,347 $156,978
12 $156,978 $3,924 $160,902 -$24,347 $136,555
13 $136,555 $3,414 $139,969 -$4,347 $135,621
14 $135,621 $3,391 $139,012 -$4,347 $134,665
15 $134,665 $3,367 $138,031 -$4,347 $133,684
16 $133,684 $3,342 $137,026 -$4,347 $132,679
17 $132,679 $3,317 $135,996 -$4,347 $131,649
18 $131,649 $3,291 $134,940 -$4,347 $130,593
19 $130,593 $3,265 $133,858 -$4,347 $129,510
20 $129,510 $3,238 $132,748 -$4,347 $128,401
21 $128,401 $3,210 $131,611 -$4,347 $127,264
22 $127,264 $3,182 $130,445 -$4,347 $126,098
23 $126,098 $3,152 $129,250 -$4,347 $124,903
24 $124,903 $3,123 $128,026 -$24,347 $103,679
25 $103,679 $2,592 $106,271 -$4,347 $101,923
26 $101,923 $2,548 $104,471 -$4,347 $100,124
27 $100,124 $2,503 $102,627 -$4,347 $98,280
28 $98,280 $2,457 $100,737 -$4,347 $96,390
29 $96,390 $2,410 $98,800 -$4,347 $94,452
30 $94,452 $2,361 $96,814 -$4,347 $92,467
31 $92,467 $2,312 $94,778 -$4,347 $90,431
32 $90,431 $2,261 $92,692 -$4,347 $88,345
33 $88,345 $2,209 $90,553 -$4,347 $86,206
34 $86,206 $2,155 $88,361 -$4,347 $84,014
35 $84,014 $2,100 $86,114 -$4,347 $81,767
36 $81,767 $2,044 $83,811 -$24,347 $59,464
37 $59,464 $1,487 $60,950 -$4,347 $56,603
38 $56,603 $1,415 $58,018 -$4,347 $53,671
39 $53,671 $1,342 $55,013 -$4,347 $50,666
40 $50,666 $1,267 $51,932 -$4,347 $47,585
41 $47,585 $1,190 $48,775 -$4,347 $44,428
42 $44,428 $1,111 $45,538 -$4,347 $41,191
43 $41,191 $1,030 $42,221 -$4,347 $37,874
44 $37,874 $947 $38,820 -$4,347 $34,473
45 $34,473 $862 $35,335 -$4,347 $30,988
46 $30,988 $775 $31,762 -$4,347 $27,415
47 $27,415 $685 $28,101 -$4,347 $23,753
48 $23,753 $594 $24,347 -$24,347 $0
49 $0 $0 $0 $0 $0
50 $0 $0 $0 $0 $0
51 $0 $0 $0 $0 $0
52 $0 $0 $0 $0 $0
53 $0 $0 $0 $0 $0
54 $0 $0 $0 $0 $0
55 $0 $0 $0 $0 $0
56 $0 $0 $0 $0 $0
57 $0 $0 $0 $0 $0
58 $0 $0 $0 $0 $0
59 $0 $0 $0 $0 $0
60 $0 $0 $0 $0 $0
40263.9224
$120,736
Datos:
Ahorro inicial (mes 1) $7,000
Incremento mensual $500
Tasa de inters 1.5%
Meses de ahorro 24

Mes Saldo Inicial Inters Saldo Total Depsito Saldo Final

1 $0 $0 $0 $7,000 $7,000
2 $7,000 $105 $7,105 $7,500 $14,605
3 $14,605 $219 $14,824 $8,000 $22,824
4 $22,824 $342 $23,166 $8,500 $31,666
5 $31,666 $475 $32,141 $9,000 $41,141
6 $41,141 $617 $41,759 $9,500 $51,259
7 $51,259 $769 $52,027 $10,000 $62,027
8 $62,027 $930 $62,958 $10,500 $73,458
9 $73,458 $1,102 $74,560 $11,000 $85,560
10 $85,560 $1,283 $86,843 $11,500 $98,343
11 $98,343 $1,475 $99,818 $12,000 $111,818
12 $111,818 $1,677 $113,496 $12,500 $125,996
13 $125,996 $1,890 $127,885 $13,000 $140,885
14 $140,885 $2,113 $142,999 $13,500 $156,499
15 $156,499 $2,347 $158,846 $14,000 $172,846
16 $172,846 $2,593 $175,439 $14,500 $189,939
17 $189,939 $2,849 $192,788 $15,000 $207,788
18 $207,788 $3,117 $210,905 $15,500 $226,405
19 $226,405 $3,396 $229,801 $16,000 $245,801
20 $245,801 $3,687 $249,488 $16,500 $265,988
21 $265,988 $3,990 $269,978 $17,000 $286,978
22 $286,978 $4,305 $291,282 $17,500 $308,782
23 $308,782 $4,632 $313,414 $18,000 $331,414
24 $331,414 $4,971 $336,385 $18,500 $354,885
25 $354,885 $5,323 $360,209 $0 $360,209
26 $360,209 $5,403 $365,612 $0 $365,612
27 $365,612 $5,484 $371,096 $0 $371,096
28 $371,096 $5,566 $376,662 $0 $376,662
29 $376,662 $5,650 $382,312 $0 $382,312
30 $382,312 $5,735 $388,047 $0 $388,047
31 $388,047 $5,821 $393,868 $0 $393,868
32 $393,868 $5,908 $399,776 $0 $399,776
33 $399,776 $5,997 $405,772 $0 $405,772
34 $405,772 $6,087 $411,859 $0 $411,859
35 $411,859 $6,178 $418,037 $0 $418,037
36 $418,037 $6,271 $424,307 $0 $424,307
424302.436
Colegiatura actual $60,000
Inflacin 4%
Duracin de la carrera (semestres) 10
Valor futuro de la colegiatura (sem 22) $142,195
Tasa de inters 3%
V P de la colegiatura (sem 21) $1,442,438
V P de la colegiatura (sem 0) $775,382
Tamao de los Ahorros Sem (1-16) $61,729

TABLA DE AMORTIZACIN
Mes Saldo Inicial Inters Saldo Total Depsito Colegiatura Saldo Final
1 0 0 0 $61,729 0 $61,729
2 $61,729 $1,852 $63,581 $61,729 0 $125,309
3 $125,309 $3,759 $129,069 $61,729 0 $190,798
4 $190,798 $5,724 $196,521 $61,729 0 $258,250
5 $258,250 $7,748 $265,998 $61,729 0 $327,727
6 $327,727 $9,832 $337,558 $61,729 0 $399,287
7 $399,287 $11,979 $411,266 $61,729 0 $472,995
8 $472,995 $14,190 $487,184 $61,729 0 $548,913
9 $548,913 $16,467 $565,381 $61,729 0 $627,109
10 $627,109 $18,813 $645,923 $61,729 0 $707,651
11 $707,651 $21,230 $728,881 $61,729 0 $790,610
12 $790,610 $23,718 $814,328 $61,729 0 $876,057
13 $876,057 $26,282 $902,339 $61,729 0 $964,067
14 $964,067 $28,922 $992,989 $61,729 0 $1,054,718
15 $1,054,718 $31,642 $1,086,360 $61,729 0 $1,148,088
16 $1,148,088 $34,443 $1,182,531 $61,729 0 $1,244,260
17 $1,244,260 $37,328 $1,281,588 $0 0 $1,281,588
18 $1,281,588 $38,448 $1,320,035 $0 0 $1,320,035
19 $1,320,035 $39,601 $1,359,636 $0 0 $1,359,636
20 $1,359,636 $40,789 $1,400,425 $0 0 $1,400,425
21 $1,400,425 $42,013 $1,442,438 $0 0 $1,442,438
22 $1,442,438 $43,273 $1,485,711 $0 $142,195 $1,343,516
23 $1,343,516 $40,305 $1,383,822 $0 $147,883 $1,235,939
24 $1,235,939 $37,078 $1,273,017 $0 $153,798 $1,119,219
25 $1,119,219 $33,577 $1,152,795 $0 $159,950 $992,845
26 $992,845 $29,785 $1,022,630 $0 $166,348 $856,282
27 $856,282 $25,688 $881,971 $0 $173,002 $708,969
28 $708,969 $21,269 $730,238 $0 $179,922 $550,316
29 $550,316 $16,509 $566,825 $0 $187,119 $379,706
30 $379,706 $11,391 $391,097 $0 $194,604 $196,493
31 $196,493 $5,895 $202,388 $0 $202,388 $0
Datos:
Ahorro anual (aos 1 al $100,000
Tasa de inters 5.0% sem cap mensual
Int. efectivo anual 10.47%
Mes Saldo Inicial Inters Saldo Total Depsito Saldo Final
1 $0 $0 $0 $100,000 $100,000
2 $100,000 $10,471 $110,471 $100,000 $210,471
3 $210,471 $22,039 $232,510 $100,000 $332,510
4 $332,510 $34,818 $367,329 $100,000 $467,329
5 $467,329 $48,935 $516,264 $100,000 $616,264
6 $616,264 $64,531 $680,795 $680,795
7 $680,795 $71,288 $752,083 $752,083
8 $752,083 $78,753 $830,836 $830,836
9 $830,836 $86,999 $917,835 $917,835
10 $917,835 $96,109 $1,013,945 $1,013,945
424302.436
 TABLA DE FACTORES DE INTERES COMPUESTO DISCRETO
INTERS 14.00%
n F/P P/F P/A A/P F/A A/F P/G
1 1.140 0.877 0.877 1.140 1.000 1.000 0.000
2 1.300 0.769 1.647 0.607 2.140 0.467 0.769
3 1.482 0.675 2.322 0.431 3.440 0.291 2.119
4 1.689 0.592 2.914 0.343 4.921 0.203 3.896
5 1.925 0.519 3.433 0.291 6.610 0.151 5.973
6 2.195 0.456 3.889 0.257 8.536 0.117 8.251
7 2.502 0.400 4.288 0.233 10.730 0.093 10.649
8 2.853 0.351 4.639 0.216 13.233 0.076 13.103
9 3.252 0.308 4.946 0.202 16.085 0.062 15.563
10 3.707 0.270 5.216 0.1917 19.337 0.052 17.991
11 4.226 0.237 5.453 0.183 23.045 0.043 20.357
12 4.818 0.208 5.660 0.177 27.271 0.037 22.640
13 5.492 0.182 5.842 0.171 32.089 0.031 24.825
14 6.261 0.160 6.002 0.167 37.581 0.027 26.901
15 7.138 0.140 6.142 0.163 43.842 0.023 28.862
16 8.137 0.123 6.265 0.160 50.980 0.020 30.706
17 9.276 0.108 6.373 0.157 59.118 0.017 32.430
18 10.575 0.095 6.467 0.155 68.394 0.015 34.038
19 12.056 0.083 6.550 0.153 78.969 0.013 35.531
20 13.743 0.073 6.623 0.151 91.025 0.011 36.914
21 15.668 0.064 6.687 0.150 104.768 0.010 38.190
22 17.861 0.056 6.743 0.148 120.436 0.008 39.366
23 20.362 0.049 6.792 0.147 138.297 0.007 40.446
24 23.212 0.043 6.835 0.146 158.659 0.00630 41.437
25 26.462 0.038 6.873 0.145 181.871 0.005 42.344
26 30.167 0.033 6.906 0.145 208.333 0.005 43.173
27 34.390 0.029 6.935 0.144 238.499 0.004 43.929
28 39.204 0.026 6.961 0.144 272.889 0.004 44.618
29 44.693 0.022 6.983 0.143 312.094 0.003 45.244
30 50.950 0.020 7.003 0.143 356.787 0.003 45.813
31 58.083 0.017 7.020 0.142 407.737 0.002 46.330
32 66.215 0.015 7.035 0.142 465.820 0.002 46.798
33 75.485 0.013 7.048 0.142 532.035 0.002 47.222
34 86.053 0.012 7.060 0.142 607.520 0.002 47.605
35 98.100 0.010 7.070 0.141 693.573 0.001 47.952
36 111.834 0.009 7.079 0.141 791.673 0.001 48.265
37 127.491 0.008 7.087 0.141 903.507 0.001 48.547
38 145.340 0.007 7.094 0.141 1030.998 0.001 48.802
39 165.687 0.006 7.100 0.141 1176.338 0.001 49.031
40 188.884 0.005 7.105 0.141 1342.025 0.001 49.238
42 245.473 0.004 7.114 0.141 1746.236 0.001 49.590
44 319.017 0.003 7.120 0.140 2271.548 0.000 49.875
 46 414.594 0.002 7.126 0.140 2954.244 0.000 50.105
48 538.807 0.002 7.130 0.140 3841.475 0.000 50.289
50 700.233 0.001 7.133 0.140 4994.521 0.000 50.438
52 910.023 0.001 7.135 0.140 6493.020 0.000 50.556
54 1182.666 0.001 7.137 0.140 8440.469 0.000 50.651
56 1536.992 0.001 7.138 0.140 10971.373 0.000 50.727
58 1997.475 0.001 7.139 0.140 14260.537 0.000 50.787
60 2595.919 0.000 7.140 0.140 18535.133 0.000 50.836
62 3373.656 0.000 7.141 0.140 24090.399 0.000 50.874
64 4384.403 0.000 7.141 0.140 31310.023 0.000 50.905
66 5697.970 0.000 7.142 0.140 40692.646 0.000 50.929
68 7405.082 0.000 7.142 0.140 52886.302 0.000 50.948
70 9623.645 0.000 7.142 0.140 68733.178 0.000 50.963
72 12506.889 0.000 7.142 0.140 89327.779 0.000 50.975
74 16253.953 0.000 7.142 0.140 116092.521 0.000 50.985
76 21123.637 0.000 7.143 0.140 150875.981 0.000 50.992
78 27452.279 0.000 7.143 0.140 196080.564 0.000 50.998
80 35676.982 0.000 7.143 0.140 254828.441 0.000 51.003
82 46365.806 0.000 7.143 0.140 331177.183 0.000 51.007
84 60257.001 0.000 7.143 0.140 430400.006 0.000 51.010
86 78309.998 0.000 7.143 0.140 559349.988 0.000 51.012
88 101771.674 0.000 7.143 0.140 726933.385 0.000 51.014
90 132262.467 0.000 7.143 0.140 944724.767 0.000 51.015
92 171888.303 0.000 7.143 0.140 1227766.447 0.000 51.016
94 223386.038 0.000 7.143 0.140 1595607.415 0.000 51.017
96 290312.495 0.000 7.143 0.140 2073653.536 0.000 51.018
98 377290.119 0.000 7.143 0.140 2694922.276 0.000 51.018
100 490326.238 0.000 7.143 0.140 3502323.129 0.000 51.019
102 637227.979 0.000 7.143 0.140 4551621.279 0.000 51.019
104 828141.482 0.000 7.143 0.140 5915289.154 0.000 51.019
106 1076252.669 0.000 7.143 0.140 7687511.925 0.000 51.020
108 1398697.969 0.000 7.143 0.140 9990692.638 0.000 51.020
110 1817747.881 0.000 7.143 0.140 ### 0.000 51.020
112 2362345.146 0.000 7.143 0.140 ### 0.000 51.020
A/G
0.000
0.467
0.913
1.337
1.740
2.122
2.483
2.825
3.146
3.449 -3900583.93
3.733
4.000 -753.070351
4.249
4.482
4.699 -986.318215
4.901
5.089
5.263 -12677
5.424
5.573
5.711
5.838
5.955
6.062
6.161
6.251
6.334
6.410
6.479
6.542
6.600
6.652
6.700
6.743
6.782
6.818
6.850
6.880
6.906
6.930
6.971
7.004
7.032
7.054
7.071
7.086
7.097
7.106
7.114
7.120
7.124
7.128
7.131
7.134
7.136
7.137
7.138
7.139
7.140
7.141
7.141
7.141
7.142
7.142
7.142
7.142
7.142
7.143
7.143
7.143
7.143
7.143
7.143
7.143
7.143
7.143
AO FLUJO NETO
0 -150,000
1 40,000
2 40,000
3 40,000
4 40,000
5 40,000
TIR 10.42%
 F10 100000
P0 -20000

Inters VPN
i1 1% 70,529
i2 2% 62,035
i3 3% 54,409
i4 4% 47,556
i5 5% 41,391
i6 6% 35,839
i7 7% 30,835
i8 8% 26,319
i9 9% 22,241
i10 10% 18,554
i11 11% 15,218
i12 12% 12,197
i13 13% 9,459
i14 14% 6,974
i15 15% 4,718
i16 16% 2,668
i17 17% 804
i18 18% -894
i19 19% -2,440
i20 20% -3,849
i21 21% -5,136
i22 22% -6,310
i23 23% -7,383
i24 24% -8,365
i25 25% -9,263
i26 26% -10,085
i27 27% -10,839
i28 28% -11,530
i29 29% -12,164
i30 30% -12,746
80,000

70,000

60,000

50,000

40,000

30,000

20,000

10,000

0
1 i3 i5 i7 i9 1 3 5 7 9 1 3 5 7 9
-10,000 i i1 i1 i1 i1 i1 i2 i2 i2 i2 i2

-20,000
 7 9
i2 i2
 Concepto Proyecto
X Y
Inversin inicial 25,500,000 28,750,000
Precio de venta unitario 4.60 5.20
Costo fijo anual 2,500,000 3,500,000
Costo variable unitario 2.75 3.00
Inversin adicional (ao 5) 4,000,000 3,000,000
Ventas esperadas ao 1 (u) 4,000,000 4,200,000
Incremento en ventas (%) 7.5% 6.5%
Valor de salvamento (% Inv Total) 15.0% 18.0%
Vida util (aos) 12
TMAR 20.0%

X
AO
INGRESOS INVERSIN COSTO FIJO COSTO VAR
0 25,500,000
1 18,400,000 2,500,000 11,000,000
2 19,780,000 2,500,000 11,825,000
3 21,263,500 2,500,000 12,711,875
4 22,858,263 2,500,000 13,665,266
5 24,572,632 4,000,000 2,500,000 14,690,161
6 26,415,580 2,500,000 15,791,923
7 28,396,748 2,500,000 16,976,317
8 30,526,504 2,500,000 18,249,541
9 32,815,992 2,500,000 19,618,256
10 35,277,191 2,500,000 21,089,625
11 37,922,981 2,500,000 22,671,347
12 45,192,204 2,500,000 24,371,698
TIR

SE JUSTIF
 Y
COSTO TOT FLUJO NETO INGRESOS INVERSIN COSTO FIJO COSTO VAR COSTO TOT FLUJO NETO
25,500,000 -25,500,000 28,750,000 28,750,000 -28,750,000
13,500,000 4,900,000 21,840,000 3,500,000 12,600,000 16,100,000 5,740,000
14,325,000 5,455,000 23,259,600 3,500,000 13,419,000 16,919,000 6,340,600
15,211,875 6,051,625 24,771,474 3,500,000 14,291,235 17,791,235 6,980,239
16,165,266 6,692,997 26,381,620 3,500,000 15,220,165 18,720,165 7,661,455
21,190,161 3,382,472 28,096,425 3,000,000 3,500,000 16,209,476 22,709,476 5,386,949
18,291,923 8,123,657 29,922,693 3,500,000 17,263,092 20,763,092 9,159,601
19,476,317 8,920,431 31,867,668 3,500,000 18,385,193 21,885,193 9,982,475
20,749,541 9,776,964 33,939,066 3,500,000 19,580,230 23,080,230 10,858,836
22,118,256 10,697,736 36,145,105 3,500,000 20,852,945 24,352,945 11,792,160
23,589,625 11,687,566 38,494,537 3,500,000 22,208,387 25,708,387 12,786,150
25,171,347 12,751,634 40,996,682 3,500,000 23,651,932 27,151,932 13,844,750
26,871,698 18,320,506 49,376,467 3,500,000 25,189,308 28,689,308 20,687,159
24.56% 25.22%

SE JUSTIFICA Y
AO INGRESOS EGRESOS FAI DEP FG IMP FDI
0 15,000 -15,000 -15,000
1 2,500 600 1,900 -1,000 900 -270 1,630
2 2,800 580 2,220 -1,000 1,220 -366 1,854
3 3,136 560 2,576 -1,000 1,576 -473 2,103
4 3,512 540 2,972 -1,000 1,972 -592 2,381
5 3,934 520 3,414 -1,000 2,414 -724 2,690
6 4,406 500 3,906 -1,000 2,906 -872 3,034
7 4,935 480 4,455 -1,000 3,455 -1,036 3,418
8 5,527 460 5,067 -1,000 4,067 -1,220 3,847
9 6,190 440 5,750 -1,000 4,750 -1,425 4,325
10 6,933 420 6,513 -1,000 5,513 -1,654 4,859
11 7,765 400 7,365 -1,000 6,365 -1,909 5,455
12 8,696 380 9,816 -1,000 7,316 -2,195 7,621
1,500 20.54% 15.93%

Valor en Libros 3,000

Ganancia o prdida -1,500