Tabla de amortizacin fija a capita

EDWIN HUERTAS
CAPITAL
TASA MENSUAL
PERIODOS

PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

SALDO INICIAL
700,000,000.00
680,555,555.56
661,111,111.11
641,666,666.67
622,222,222.22
602,777,777.78
583,333,333.33
563,888,888.89
544,444,444.44
525,000,000.00
505,555,555.56
486,111,111.11
466,666,666.67
447,222,222.22
427,777,777.78
408,333,333.33
388,888,888.89
369,444,444.44
350,000,000.00
330,555,555.56
311,111,111.11
291,666,666.67
272,222,222.22
252,777,777.78
233,333,333.33
213,888,888.89
194,444,444.44
175,000,000.00
155,555,555.56
136,111,111.11
116,666,666.67
97,222,222.22
77,777,777.78
58,333,333.33
38,888,888.89
19,444,444.44

CUOTA
26,374,444.44
26,181,944.44
25,989,444.44
25,796,944.44
25,604,444.44
25,411,944.44
25,219,444.44
25,026,944.44
24,834,444.44
24,641,944.44
24,449,444.44
24,256,944.44
24,064,444.44
23,871,944.44
23,679,444.44
23,486,944.44
23,294,444.44
23,101,944.44
22,909,444.44
22,716,944.44
22,524,444.44
22,331,944.44
22,139,444.44
21,946,944.44
21,754,444.44
21,561,944.44
21,369,444.44
21,176,944.44
20,984,444.44
20,791,944.44
20,599,444.44
20,406,944.44
20,214,444.44
20,021,944.44
19,829,444.44
19,636,944.44

700,000,000.00
0.99%
36

INTERESES
6,930,000.00
6,737,500.00
6,545,000.00
6,352,500.00
6,160,000.00
5,967,500.00
5,775,000.00
5,582,500.00
5,390,000.00
5,197,500.00
5,005,000.00
4,812,500.00
4,620,000.00
4,427,500.00
4,235,000.00
4,042,500.00
3,850,000.00
3,657,500.00
3,465,000.00
3,272,500.00
3,080,000.00
2,887,500.00
2,695,000.00
2,502,500.00
2,310,000.00
2,117,500.00
1,925,000.00
1,732,500.00
1,540,000.00
1,347,500.00
1,155,000.00
962,500.00
770,000.00
577,500.00
385,000.00
192,500.00

SUMATORIA INTERESES
PRIMER AO

70,455,000.00

SUMATORIA INTERESES
TOTALES

128,205,000.00

rtizacin fija a capital

AMORTIZACIN
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44
19,444,444.44

SALDO FINAL
680,555,555.56
661,111,111.11
641,666,666.67
622,222,222.22
602,777,777.78
583,333,333.33
563,888,888.89
544,444,444.44
525,000,000.00
505,555,555.56
486,111,111.11
466,666,666.67
447,222,222.22
427,777,777.78
408,333,333.33
388,888,888.89
369,444,444.44
350,000,000.00
330,555,555.56
311,111,111.11
291,666,666.67
272,222,222.22
252,777,777.78
233,333,333.33
213,888,888.89
194,444,444.44
175,000,000.00
155,555,555.56
136,111,111.11
116,666,666.67
97,222,222.22
77,777,777.78
58,333,333.33
38,888,888.89
19,444,444.44
0.00

CUOTA DECRECIENTE
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00
192,500.00

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNAD

TABLA DE AMORTIZACIN PAGO A CUOTA FIJA

EDWIN HUERTAS
$
700,000,000.00
1.20%
18

CAPITAL
TASA PERIODICA MENSUAL
PERIODOS
PAGO
PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO INICIAL
700,000,000.00
664,928,057.03
629,435,250.75
593,516,530.79
557,166,786.19
520,380,844.66
483,153,471.83
445,479,370.52
407,353,180.00
368,769,475.19
329,722,765.92
290,207,496.15
250,218,043.13
209,748,716.68
168,793,758.32
127,347,340.45
85,403,565.56
42,956,465.38

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

CUOTA
$43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97
43,471,942.97

SUMATORIA INTERESES
PRIMER AO
SUMATORIA INTERESES
TOTALES

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

INTERESES
8,400,000.00
7,979,136.68
7,553,223.01
7,122,198.37
6,686,001.43
6,244,570.14
5,797,841.66
5,345,752.45
4,888,238.16
4,425,233.70
3,956,673.19
3,482,489.95
3,002,616.52
2,516,984.60
2,025,525.10
1,528,168.09
1,024,842.79
515,477.58

71,881,358.75

82,494,973.42

GO A CUOTA FIJA

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNAD

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

AMORTIZACIN
35,071,942.97
35,492,806.28
35,918,719.96
36,349,744.60
36,785,941.53
37,227,372.83
37,674,101.31
38,126,190.52
38,583,704.81
39,046,709.27
39,515,269.78
39,989,453.01
40,469,326.45
40,954,958.37
41,446,417.87
41,943,774.88
42,447,100.18
42,956,465.38

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-$

SALDO FINAL
664,928,057.03
629,435,250.75
593,516,530.79
557,166,786.19
520,380,844.66
483,153,471.83
445,479,370.52
407,353,180.00
368,769,475.19
329,722,765.92
290,207,496.15
250,218,043.13
209,748,716.68
168,793,758.32
127,347,340.45
85,403,565.56
42,956,465.38
0.00

ba Snchez
tica Financiera
bierta y a Distancia UNAD

Tabla de amortizacin pago a cuota a cuota fija con periodo de gracia

EDWIN HUERTAS
$
700,000,000.00
1.28%
24

CAPITAL
TASA MENSUAL
PERIODOS

PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

SALDO INICIAL
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
700,000,000.00
$
674,899,495.13
$
649,477,703.79
$
623,730,513.53
$
597,653,759.23
$
571,243,222.48
$
544,494,630.85
$
517,403,657.26
$
489,965,919.20
$
462,176,978.09
$
434,032,338.54
$
405,527,447.60

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

CUOTA
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87
34,060,504.87

SUMATORIA INTERESES
PRIMER AO
SUMATORIA INTERESES
TOTALES

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

INTERESES
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,960,000.00
8,638,713.54
8,313,314.61
7,983,750.57
7,649,968.12
7,311,913.25
6,969,531.27
6,622,766.81
6,271,563.77
5,915,865.32
5,555,613.93
5,190,751.33

107,520,000.00

192,903,752.52

ota fija con periodo de gracia

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
12 Universidad Nacional Abierta y a Distancia UNAD
0

AS
PERIODO DE GRACIA
PERIODOS TOTALES

AMORTIZACIN
$
$
$
$
$
$
$
$
$
$
$
$
$
25,100,504.87
$
25,421,791.33
$
25,747,190.26
$
26,076,754.30
$
26,410,536.75
$
26,748,591.62
$
27,090,973.60
$
27,437,738.06
$
27,788,941.11
$
28,144,639.55
$
28,504,890.94
$
28,869,753.54

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO FINAL
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
700,000,000.00
674,899,495.13
649,477,703.79
623,730,513.53
597,653,759.23
571,243,222.48
544,494,630.85
517,403,657.26
489,965,919.20
462,176,978.09
434,032,338.54
405,527,447.60
376,657,694.06

Tabla de amortizacin pago a cuota fija con periodo mu

EDWIN HUERTAS
700,000,000.00
1.30%
12

CAPITAL
TASA MENSUAL
PERIODOS AMORTIZACION

PERIODO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

SALDO INICIAL
$
700,000,000.00
$
709,100,000.00
$
718,318,300.00
$
727,656,437.90
$
737,115,971.59
$
746,698,479.22
$
756,405,559.45
$
766,238,831.73
$
776,199,936.54
$
786,290,535.71
$
796,512,312.68
$
806,866,972.74
$
817,356,243.39
$
827,981,874.55
$
838,745,638.92
$
849,649,332.23
$
860,694,773.55
$
871,883,805.60

CUOTA
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SUMATORIA INTERESES
PRIMER AO
SUMATORIA INTERESES
TOTALES

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

INTERESES
9,100,000.00
9,218,300.00
9,338,137.90
9,459,533.69
9,582,507.63
9,707,080.23
9,833,272.27
9,961,104.81
10,090,599.18
10,221,776.96
10,354,660.06
10,489,270.65
10,625,631.16
10,763,764.37
10,903,693.31
11,045,441.32
11,189,032.06
11,334,489.47

117,356,243.39

183,218,295.08

ota fija con periodo muerto

ERTAS
PERIODO MUERTO
PERIODOS TOTALES
CAPITAL AMORTIZAR

AMORTIZACIN
-$
9,100,000.00
-$
9,218,300.00
-$
9,338,137.90
-$
9,459,533.69
-$
9,582,507.63
-$
9,707,080.23
-$
9,833,272.27
-$
9,961,104.81
-$
10,090,599.18
-$
10,221,776.96
-$
10,354,660.06
-$
10,489,270.65
-$
10,625,631.16
-$
10,763,764.37
-$
10,903,693.31
-$
11,045,441.32
-$
11,189,032.06
-$
11,334,489.47

6
18 Autora: Doris Amalia Alba Snchez
Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNA

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO FINAL
709,100,000.00
718,318,300.00
727,656,437.90
737,115,971.59
746,698,479.22
756,405,559.45
766,238,831.73
776,199,936.54
786,290,535.71
796,512,312.68
806,866,972.74
817,356,243.39
827,981,874.55
838,745,638.92
849,649,332.23
860,694,773.55
871,883,805.60
883,218,295.08

ba Snchez
tica Financiera
bierta y a Distancia UNAD

Estado de resultados
CUENTA

2015

Ingresos por Ventas

Costo de ventas
Utilidad bruta
Gastos operacionales
Utilidad operacional

$
$
$
$
$

Gastos financieros ( se obtienen con la sumatoria de los

intereses del primer ao de la tabla de amortizacin)

Utilidad antes de impuestos

Impuestos
Utilidad neta

$
$
$

6,750,000,000.00 $
3,037,500,000.00 $
3,712,500,000.00
556,874,000.00 $
3,155,626,000.00
3,155,626,000.00
1,072,912,840.00
2,082,713,160.00

INCREMENTO
3,240,000,000.00
455,625,000.00
122,512,280.00

Autora: Doris Amalia Alba Snchez

ESTADO DE RESULTADOS AJUSTADO
$
9,990,000,000.00
$
3,493,125,000.00
$
6,496,875,000.00
$
679,386,280.00
$
5,817,488,720.00

$
$
$

0
5,817,488,720.00
1,977,946,164.80
3,839,542,555.20

Directora curso Matemtica Financiera

Universidad Nacional Abierta y a Distancia UNAD

ba Snchez

tica Financiera
bierta y a Distancia UNAD

Nombres y apellidos integrante del grupo (Diligencie en el cuadro

siguiente el nombre completo de quien comparte la tabla)

MONTO SOLICITADO

TASA INTERES
EFECTIVA
MENSUAL

PERIODO DE
GRACIA

PERIODO
MUERTO

AMORTIZACION FIJA A
$
CAPITAL

700,000,000.00

0.99%

N/A

N/A

AMORTIZACION PAGO
$
CUOTA FIJA

700,000,000.00

1.20%

N/A

N/A

CUOTA FIJA CON

PERIODO DE GRACIA

700,000,000.00

1.28%

12

N/A

CUOTA FIJA CON

PERIODO MUERTO

700,000,000.00

1.30%

N/A

TOTAL
PERIODOS

CUOTA MENSUAL

36

desde 26.374.444
hasta19.636.944

18

$43,471,942

36

18

68,486,228,27

INTERESES TOTALES

INTERESES PRIMER
AO

IMPUESTOS

UTILIDAD

Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento

Esperado
$
$
$
$
$
$

1,730,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
500,000,000.00
0.10

Rubros
Ingresos

0
$

Ventas
Valor residual
Egresos

500,000,000.00

Costo fijo
Costo variable
Inversin

500,000,000.00

Flujo Neto

-$

500,000,000.00

Indicadores de evaluacin
VAN
TIR
RB/C=

$
$

26,892,996,899.12
1450%
54.79

FLUJO DE FONDOS
$
$
$

CASO X
1,730,000.00
6,725.00
2,467.00

10 %
1

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

4,385,866,000.00 $

4,397,661,600.00 $

4,410,636,760.00

$
$

117,956,000.00 $
4,267,910,000.00 $

129,751,600.00 $
4,267,910,000.00 $

142,726,760.00
4,267,910,000.00

7,248,384,000.00 $

7,236,588,400.00 $

7,223,613,240.00

#DIV/0! +
#DIV/0!

#DIV/0!

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNAD

11,634,250,000.00 $

11,642,200,000.00

11,634,250,000.00 $
$

11,634,250,000.00
7,950,000.00

4,424,909,436.00 $

4,440,609,379.60

$
$

156,999,436.00 $
4,267,910,000.00 $

172,699,379.60
4,267,910,000.00

7,209,340,564.00 $

7,201,590,620.40

#DIV/0!

Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento

Esperado
$
$
$
$
$
$

1,730,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
500,000,000.00
0.115

Rubros
Ingresos

0
$

Ventas
Valor residual
Egresos

500,000,000.00

Costo fijo
Costo variable
Inversin

500,000,000.00

Flujo Neto

-$

500,000,000.00

Indicadores de evaluacin
VAN
TIR
RB/C=

$
$

25,875,945,286.94
1450%
52.75

FLUJO DE FONDOS
$
$
$

CASO 2
1,730,000.00
6,725.00
2,467.00

11.5 %
1

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

4,385,866,000.00 $

4,397,661,600.00 $

4,410,636,760.00

$
$

117,956,000.00 $
4,267,910,000.00 $

129,751,600.00 $
4,267,910,000.00 $

142,726,760.00
4,267,910,000.00

7,248,384,000.00 $

7,236,588,400.00 $

7,223,613,240.00

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNAD

11,634,250,000.00 $

11,642,200,000.00

11,634,250,000.00 $
$

11,634,250,000.00
7,950,000.00

4,424,909,436.00 $

4,440,609,379.60

$
$

156,999,436.00 $
4,267,910,000.00 $

172,699,379.60
4,267,910,000.00

7,209,340,564.00 $

7,201,590,620.40

Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento

Esperado
$
$
$
$
$
$

1,730,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
500,000,000.00
0.12

Rubros
Ingresos

0
$

Ventas
Valor residual
Egresos

500,000,000.00

Costo fijo
Costo variable
Inversin

500,000,000.00

Flujo Neto

-$

500,000,000.00

Indicadores de evaluacin
VAN
TIR
RB/C=

$
$

25,550,402,801.19
1450%
52.10

FLUJO DE FONDOS
$
$
$

CASO 3
1,730,000.00
6,725.00
2,467.00

12.0 %
1

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

4,385,866,000.00 $

4,397,661,600.00 $

4,410,636,760.00

$
$

117,956,000.00 $
4,267,910,000.00 $

129,751,600.00 $
4,267,910,000.00 $

142,726,760.00
4,267,910,000.00

7,248,384,000.00 $

7,236,588,400.00 $

7,223,613,240.00

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNAD

11,634,250,000.00 $

11,642,200,000.00

11,634,250,000.00 $
$

11,634,250,000.00
7,950,000.00

4,424,909,436.00 $

4,440,609,379.60

$
$

156,999,436.00 $
4,267,910,000.00 $

172,699,379.60
4,267,910,000.00

7,209,340,564.00 $

7,201,590,620.40

Datos
Volumen de ventas en unidades
Precio Unitario
Costo Unitario
Costo fijo
Valor residual
Inversin
Tasa de descuento

Esperado
$
$
$
$
$
$

1,730,000.00
6,725.00
2,467.00
117,956,000.00
7,950,000.00
500,000,000.00
0.13

Rubros
Ingresos

0
$

Ventas
Valor residual
Egresos

500,000,000.00

Costo fijo
Costo variable
Inversin

500,000,000.00

Flujo Neto

-$

500,000,000.00

Indicadores de evaluacin
VAN
TIR
RB/C=

$
$

24,918,494,094.00
1450%
50.84

FLUJO DE FONDOS
$
$
$

CASO 4
1,730,000.00
6,725.00
2,467.00

13.0 %
1

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

11,634,250,000.00 $

11,634,250,000.00 $

11,634,250,000.00

4,385,866,000.00 $

4,397,661,600.00 $

4,410,636,760.00

$
$

117,956,000.00 $
4,267,910,000.00 $

129,751,600.00 $
4,267,910,000.00 $

142,726,760.00
4,267,910,000.00

7,248,384,000.00 $

7,236,588,400.00 $

7,223,613,240.00

Autora: Doris Amalia Alba Snchez

Directora curso Matemtica Financiera
Universidad Nacional Abierta y a Distancia UNAD

11,634,250,000.00 $

11,642,200,000.00

11,634,250,000.00 $
$

11,634,250,000.00
7,950,000.00

4,424,909,436.00 $

4,440,609,379.60

$
$

156,999,436.00 $
4,267,910,000.00 $

172,699,379.60
4,267,910,000.00

7,209,340,564.00 $

7,201,590,620.40

TABLA RESUMEN DE ESCENARIOS PROPUESTOS PARA ESTIMACION DE INDICADORES

Nombres y apellidos integrante del grupo (Diligencie en el cuadro
siguiente el nombre completo de quien comparte la tabla)

Volumen de ventas en
unidades

Caso 1

Caso 2

Caso 3

Caso 4

Caso 5

Precio Unitario

Costo Unitario

VAN

Caso 6

Caso 7

Caso 8

MACION DE INDICADORES

TIR

RB/C

TASA DESCUENTO