Ejercicios de prstamo en UVR

Facilitador: CARLOS ERNESTO ORTIZ B.

Se piensa adquirir un prstamo de Vivienda por un monto de 100 Millones de pes

Datos Adicionales:

UVR Hoy: 227.6

Inflacin (IPC) promedio proyectada a 15 aos: 10% e.a.

Deducir:

1. Cuota en UVR
2. Cuota inicial y subsiguientes en $
3. Grfica de Valor Cuota y Saldo en pesos
4. Anlisis del Esquema

Exitos
DATOS
Valor prestamo
Vlor UVR

n
Inflacin proyectada mensual

Tasa

CUOTA

Periodo Saldo inicial

1 439,367
2 439,104
3 438,835
4 438,561
5 438,282
6 437,997
7 437,706
 8 437,410
9 437,108
10 436,800
11 436,485
12 436,165
13 435,838
14 435,505
15 435,165
16 434,818
17 434,465
18 434,104
19 433,737
20 433,362
21 432,980
22 432,590
23 432,192
24 431,787
25 431,374
26 430,952
27 430,522
28 430,084
29 429,636
30 429,180
31 428,715
32 428,241
33 427,758
34 427,265
35 426,762
36 426,249
37 425,726
38 425,193
39 424,649
40 424,094
41 423,528
42 422,952
43 422,363
44 421,764
45 421,152
46 420,528
47 419,892
48 419,243
49 418,582
50 417,907
51 417,219
52 416,517
53 415,802
54 415,072
55 414,328
56 413,569
57 412,796
58 412,006
59 411,202
60 410,381
61 409,544
62 408,691
63 407,820
64 406,933
65 406,028
66 405,105
67 404,164
68 403,204
69 402,225
70 401,227
71 400,209
72 399,170
73 398,112
74 397,032
75 395,931
76 394,809
77 393,664
78 392,496
79 391,305
80 390,091
81 388,853
82 387,590
83 386,302
84 384,989
85 383,650
86 382,284
87 380,891
88 379,471
89 378,023
90 376,546
91 375,040
92 373,504
93 371,937
94 370,340
95 368,711
96 367,050
97 365,355
 98 363,628
99 361,866
100 360,069
101 358,237
102 356,369
103 354,463
104 352,520
105 350,539
106 348,518
107 346,458
108 344,356
109 342,213
110 340,028
111 337,799
112 335,526
113 333,209
114 330,845
115 328,435
116 325,977
117 323,470
118 320,914
119 318,307
120 315,649
121 312,938
122 310,173
123 307,354
124 304,479
125 301,547
126 298,557
127 295,508
128 292,399
129 289,228
130 285,994
131 282,697
132 279,334
133 275,905
134 272,408
135 268,841
136 265,204
137 261,496
138 257,713
139 253,856
140 249,923
141 245,912
142 241,821
 143 237,650
144 233,396
145 229,058
146 224,634
147 220,123
148 215,522
149 210,830
150 206,046
151 201,167
152 196,191
153 191,117
Saldo final 154 185,942
155 180,666
500000.000 156 175,284
157 169,797
400000.000
158 164,201
300000.000 159 158,494
Saldo final 160 152,674
200000.000 161 146,739
162 140,686
100000.000 163 134,514
164 128,220
-
165 121,801
1 24 4 7 70 93 1 6 3 9 6 2
-100000.000
1 1 1 166 115,256
167 108,580
168 101,773
Cuota$ 169 94,831
170 87,752
9000000.000
171 80,533
8000000.000
172 73,171
7000000.000
173 65,663
6000000.000
174 58,007
5000000.000 Cuota$ 175 50,199
4000000.000
176 42,237
3000000.000
177 34,117
2000000.000
178 25,837
1000000.000 179 17,393
- 180 8,782
1 22 4 3 64 85 0 6 2 7 4 8 6 9
1 1 1 1

Saldo final $
200000000.000

150000000.000

100000000.000

50000000.000
200000000.000

150000000.000

100000000.000

50000000.000

-
1 18 35 52 6 9 86 0 3 2 0 3 7 5 4 7 1
1 1 1 1 1
-50000000.000
to de 100 Millones de pesos, en UVR, a 15 aos, en un Banco cuya tasa de Intermediacin (Spread) est e

$ 100,000,000.00
$ 227.60
$ 439,367 UVRs
180 mens.
0.80% 10% E.A 9.57% MV 0.0956896851

IPC+15
26.50% E.A
1.98% MENSUAL

$ 8,955.23

CUOTA INTERES Ab a K Saldo final Valor de la UVR Cuota$

8,955 8,692 263 439,104 229.41 2,054,464
8,955 8,687 269 438,835 231.24 2,070,847
8,955 8,681 274 438,561 233.09 2,087,360
8,955 8,676 279 438,282 234.95 2,104,005
8,955 8,670 285 437,997 236.82 2,120,783
8,955 8,665 291 437,706 238.71 2,137,694
8,955 8,659 296 437,410 240.61 2,154,741
8,955 8,653 302 437,108 242.53 2,171,923
8,955 8,647 308 436,800 244.47 2,189,242
8,955 8,641 314 436,485 246.41 2,206,699
8,955 8,635 320 436,165 248.38 2,224,296
8,955 8,628 327 435,838 250.36 2,242,033
8,955 8,622 333 435,505 252.36 2,259,911
8,955 8,615 340 435,165 254.37 2,277,932
8,955 8,609 347 434,818 256.40 2,296,096
8,955 8,602 353 434,465 258.44 2,314,406
8,955 8,595 360 434,104 260.50 2,332,861
8,955 8,588 368 433,737 262.58 2,351,464
8,955 8,580 375 433,362 264.67 2,370,215
8,955 8,573 382 432,980 266.78 2,389,115
8,955 8,565 390 432,590 268.91 2,408,166
8,955 8,558 398 432,192 271.06 2,427,369
8,955 8,550 405 431,787 273.22 2,446,725
8,955 8,542 413 431,374 275.40 2,466,236
8,955 8,534 422 430,952 277.59 2,485,902
8,955 8,525 430 430,522 279.81 2,505,725
8,955 8,517 438 430,084 282.04 2,525,706
8,955 8,508 447 429,636 284.29 2,545,846
8,955 8,499 456 429,180 286.55 2,566,147
8,955 8,490 465 428,715 288.84 2,586,610
8,955 8,481 474 428,241 291.14 2,607,236
8,955 8,472 484 427,758 293.46 2,628,026
8,955 8,462 493 427,265 295.80 2,648,983
8,955 8,452 503 426,762 298.16 2,670,106
8,955 8,442 513 426,249 300.54 2,691,398
8,955 8,432 523 425,726 302.94 2,712,859
8,955 8,422 533 425,193 305.35 2,734,492
8,955 8,411 544 424,649 307.79 2,756,297
8,955 8,401 555 424,094 310.24 2,778,277
8,955 8,390 566 423,528 312.71 2,800,431
8,955 8,378 577 422,952 315.21 2,822,762
8,955 8,367 588 422,363 317.72 2,845,271
8,955 8,355 600 421,764 320.26 2,867,960
8,955 8,344 612 421,152 322.81 2,890,829
8,955 8,331 624 420,528 325.38 2,913,881
8,955 8,319 636 419,892 327.98 2,937,117
8,955 8,307 649 419,243 330.59 2,960,538
8,955 8,294 662 418,582 333.23 2,984,145
8,955 8,281 675 417,907 335.89 3,007,941
8,955 8,267 688 417,219 338.56 3,031,927
8,955 8,254 702 416,517 341.26 3,056,104
8,955 8,240 715 415,802 343.99 3,080,474
8,955 8,226 730 415,072 346.73 3,105,038
8,955 8,211 744 414,328 349.49 3,129,798
8,955 8,196 759 413,569 352.28 3,154,756
8,955 8,181 774 412,796 355.09 3,179,912
8,955 8,166 789 412,006 357.92 3,205,269
8,955 8,151 805 411,202 360.78 3,230,828
8,955 8,135 821 410,381 363.65 3,256,591
8,955 8,118 837 409,544 366.55 3,282,560
8,955 8,102 853 408,691 369.48 3,308,736
8,955 8,085 870 407,820 372.42 3,335,120
8,955 8,068 888 406,933 375.39 3,361,715
8,955 8,050 905 406,028 378.38 3,388,521
8,955 8,032 923 405,105 381.40 3,415,542
8,955 8,014 941 404,164 384.44 3,442,778
8,955 7,995 960 403,204 387.51 3,470,231
8,955 7,976 979 402,225 390.60 3,497,903
8,955 7,957 998 401,227 393.71 3,525,796
8,955 7,937 1,018 400,209 396.85 3,553,911
8,955 7,917 1,038 399,170 400.02 3,582,251
8,955 7,897 1,059 398,112 403.21 3,610,816
8,955 7,876 1,080 397,032 406.42 3,639,609
8,955 7,854 1,101 395,931 409.66 3,668,632
8,955 7,832 1,123 394,809 412.93 3,697,886
8,955 7,810 1,145 393,664 416.22 3,727,374
8,955 7,788 1,168 392,496 419.54 3,757,096
8,955 7,765 1,191 391,305 422.89 3,787,056
8,955 7,741 1,214 390,091 426.26 3,817,254
8,955 7,717 1,238 388,853 429.66 3,847,694
8,955 7,692 1,263 387,590 433.08 3,878,376
8,955 7,667 1,288 386,302 436.54 3,909,302
8,955 7,642 1,313 384,989 440.02 3,940,476
8,955 7,616 1,339 383,650 443.53 3,971,898
8,955 7,590 1,366 382,284 447.06 4,003,570
8,955 7,563 1,393 380,891 450.63 4,035,495
8,955 7,535 1,420 379,471 454.22 4,067,675
8,955 7,507 1,448 378,023 457.85 4,100,111
8,955 7,478 1,477 376,546 461.50 4,132,806
8,955 7,449 1,506 375,040 465.18 4,165,761
8,955 7,419 1,536 373,504 468.89 4,198,980
8,955 7,389 1,566 371,937 472.62 4,232,463
8,955 7,358 1,597 370,340 476.39 4,266,213
8,955 7,326 1,629 368,711 480.19 4,300,233
8,955 7,294 1,661 367,050 484.02 4,334,523
8,955 7,261 1,694 365,355 487.88 4,369,087
8,955 7,228 1,728 363,628 491.77 4,403,927
8,955 7,193 1,762 361,866 495.69 4,439,045
8,955 7,159 1,797 360,069 499.65 4,474,442
8,955 7,123 1,832 358,237 503.63 4,510,122
8,955 7,087 1,868 356,369 507.65 4,546,086
8,955 7,050 1,905 354,463 511.69 4,582,337
8,955 7,012 1,943 352,520 515.77 4,618,878
8,955 6,974 1,982 350,539 519.89 4,655,709
8,955 6,935 2,021 348,518 524.03 4,692,835
8,955 6,895 2,061 346,458 528.21 4,730,256
8,955 6,854 2,101 344,356 532.42 4,767,976
8,955 6,812 2,143 342,213 536.67 4,805,996
8,955 6,770 2,185 340,028 540.95 4,844,320
8,955 6,727 2,229 337,799 545.26 4,882,949
8,955 6,682 2,273 335,526 549.61 4,921,886
8,955 6,638 2,318 333,209 553.99 4,961,134
8,955 6,592 2,364 330,845 558.41 5,000,695
8,955 6,545 2,410 328,435 562.86 5,040,571
8,955 6,497 2,458 325,977 567.35 5,080,765
8,955 6,449 2,507 323,470 571.88 5,121,280
8,955 6,399 2,556 320,914 576.44 5,162,118
8,955 6,348 2,607 318,307 581.03 5,203,281
8,955 6,297 2,658 315,649 585.67 5,244,773
8,955 6,244 2,711 312,938 590.34 5,286,596
8,955 6,191 2,765 310,173 595.04 5,328,752
8,955 6,136 2,819 307,354 599.79 5,371,244
8,955 6,080 2,875 304,479 604.57 5,414,075
8,955 6,023 2,932 301,547 609.39 5,457,248
8,955 5,965 2,990 298,557 614.25 5,500,764
8,955 5,906 3,049 295,508 619.15 5,544,628
8,955 5,846 3,109 292,399 624.09 5,588,842
8,955 5,784 3,171 289,228 629.06 5,633,408
8,955 5,722 3,234 285,994 634.08 5,678,330
8,955 5,658 3,298 282,697 639.14 5,723,610
8,955 5,592 3,363 279,334 644.23 5,769,250
8,955 5,526 3,429 275,905 649.37 5,815,255
8,955 5,458 3,497 272,408 654.55 5,861,627
8,955 5,389 3,566 268,841 659.77 5,908,368
8,955 5,318 3,637 265,204 665.03 5,955,482
8,955 5,246 3,709 261,496 670.33 6,002,972
8,955 5,173 3,782 257,713 675.68 6,050,841
8,955 5,098 3,857 253,856 681.06 6,099,091
8,955 5,022 3,933 249,923 686.50 6,147,726
8,955 4,944 4,011 245,912 691.97 6,196,749
8,955 4,865 4,090 241,821 697.49 6,246,163
8,955 4,784 4,171 237,650 703.05 6,295,970
 8,955 4,701 4,254 233,396 708.66 6,346,175
8,955 4,617 4,338 229,058 714.31 6,396,781
8,955 4,531 4,424 224,634 720.00 6,447,790
8,955 4,444 4,511 220,123 725.74 6,499,205
8,955 4,355 4,601 215,522 731.53 6,551,031
8,955 4,264 4,692 210,830 737.36 6,603,270
8,955 4,171 4,784 206,046 743.24 6,655,925
8,955 4,076 4,879 201,167 749.17 6,709,000
8,955 3,980 4,976 196,191 755.14 6,762,499
8,955 3,881 5,074 191,117 761.17 6,816,424
8,955 3,781 5,174 185,942 767.24 6,870,779
8,955 3,678 5,277 180,666 773.35 6,925,568
8,955 3,574 5,381 175,284 779.52 6,980,793
8,955 3,468 5,488 169,797 785.74 7,036,459
8,955 3,359 5,596 164,201 792.00 7,092,569
8,955 3,248 5,707 158,494 798.32 7,149,126
8,955 3,135 5,820 152,674 804.68 7,206,134
8,955 3,020 5,935 146,739 811.10 7,263,597
8,955 2,903 6,052 140,686 817.57 7,321,517
8,955 2,783 6,172 134,514 824.09 7,379,900
8,955 2,661 6,294 128,220 830.66 7,438,749
8,955 2,537 6,419 121,801 837.28 7,498,066
8,955 2,410 6,546 115,256 843.96 7,557,857
8,955 2,280 6,675 108,580 850.69 7,618,124
8,955 2,148 6,807 101,773 857.47 7,678,872
8,955 2,013 6,942 94,831 864.31 7,740,105
8,955 1,876 7,079 87,752 871.20 7,801,825
8,955 1,736 7,219 80,533 878.15 7,864,038
8,955 1,593 7,362 73,171 885.15 7,926,747
8,955 1,447 7,508 65,663 892.21 7,989,956
8,955 1,299 7,656 58,007 899.33 8,053,669
8,955 1,148 7,808 50,199 906.50 8,117,890
8,955 993 7,962 42,237 913.73 8,182,623
8,955 836 8,120 34,117 921.01 8,247,873
8,955 675 8,280 25,837 928.36 8,313,643
8,955 511 8,444 17,393 935.76 8,379,937
8,955 344 8,611 8,782 943.22 8,446,760
8,955 174 8,782 - 0 950.74 8,514,115

Termina pagando 818,588,977

Saldo final $

Saldo final $
 Saldo final $

52 6 9 86 10 3 1 2 0 13 7 15 4 17 1
Intermediacin (Spread) est en 15 puntos.

Saldo final $
100,736,972
101,478,133
102,223,470
102,972,968
103,726,610
104,484,378
105,246,252
106,012,211
106,782,233
107,556,291
108,334,361
109,116,413
109,902,417
110,692,341
111,486,151
112,283,810
113,085,280
113,890,520
114,699,487
115,512,135
116,328,416
117,148,281
117,971,675
118,798,543
119,628,827
120,462,464
121,299,391
122,139,540
122,982,840
123,829,218
124,678,595
125,530,892
126,386,024
127,243,903
128,104,438
128,967,532
129,833,086
130,700,997
131,571,155
132,443,449
133,317,762
134,193,971
135,071,951
135,951,569
136,832,689
137,715,170
138,598,863
139,483,617
140,369,272
141,255,663
142,142,621
143,029,967
143,917,520
144,805,087
145,692,473
146,579,474
147,465,877
148,351,465
149,236,010
150,119,278
151,001,026
151,881,004
152,758,951
153,634,598
154,507,668
155,377,873
156,244,916
157,108,490
157,968,277
158,823,950
159,675,169
160,521,583
161,362,832
162,198,540
163,028,323
163,851,781
164,668,503
165,478,064
166,280,024
167,073,931
167,859,318
168,635,702
169,402,584
170,159,452
170,905,774
171,641,005
172,364,579
173,075,916
173,774,414
174,459,455
175,130,399
175,786,590
176,427,347
177,051,972
177,659,741
178,249,912
178,821,718
179,374,368
179,907,047
180,418,915
180,909,108
181,376,733
181,820,871
182,240,575
182,634,870
183,002,751
183,343,180
183,655,092
183,937,387
184,188,933
184,408,563
184,595,077
184,747,235
184,863,766
184,943,354
184,984,650
184,986,261
184,946,753
184,864,650
184,738,433
184,566,537
184,347,351
184,079,214
183,760,421
183,389,211
182,963,776
182,482,251
181,942,719
181,343,204
180,681,674
179,956,037
179,164,140
178,303,766
177,372,634
176,368,395
175,288,634
174,130,864
172,892,525
171,570,983
170,163,529
168,667,372
167,079,644
 165,397,390
163,617,572
161,737,063
159,752,645
157,661,007
155,458,744
153,142,351
150,708,222
148,152,647
145,471,810
142,661,784
139,718,529
136,637,889
133,415,590
130,047,233
126,528,293
122,854,116
119,019,913
115,020,761
110,851,592
106,507,195
101,982,209
97,271,120
92,368,257
87,267,786
81,963,706
76,449,845
70,719,855
64,767,208
58,585,187
52,166,886
45,505,201
38,592,826
31,422,248
23,985,737
16,275,347
8,282,903
- 0