VALOR DEL DINERO A TRAVES DEL TIEMPO

PRESTAMO DEL BANCO

CREDITO

$100,000.00

TASA ANUAL

24%

TASA MENSUAL

PAGO (1)

2.0%

MESES

MES

SALDO INICIAL
0
1
2
3
4
5
6

$100,000.00
$102,000.00
$104,040.00
$106,120.80
$108,243.22
$110,408.08

INTERESES
2,000.00
2,040.00
2,080.80
2,122.42
2,164.86
2,208.16

SALDO FINAL
100,000.00
102,000.00
104,040.00
106,120.80
108,243.22
110,408.08
###

###

DEL TIEMPO

FACTORES Y SIMBOL
PARA ENCONTRAR:DADOFORMULA
(1+i)^
F(futuro)=
P*
P(presente)=
F*
(1+i)^-
A(serie uniforme)=P*
P(presente)=
A*

SALDO FINAL (OTRO METODO)

100,000.00
102,000.00
104,040.00
106,120.80
108,243.22
110,408.08
112,616.24

(i*(1+i)^)/((1+i
((1+i)^-1)/(i*(1+

IMBOLOS DE INTERES COMPUES

+i)^)/((1+i)^-1)
^-1)/(i*(1+i)^)

MPUESTO

DIAGRAMA DE FLUJO DE EFECTIVO ($)

CREDITO
PAGON=
CREDITO*(1+TASA)^N
CREDITO= PAGO*(1+TASA)^-N

CREDITO(5)=

###

PAGO
N

EJEMPLO
CREDITO(O)
CREDITO(5)
TASA (MENSUAL)
MESES

$2,000,000
2,104,038.36
2.1%
12

PAGO(12)

$5,000,000.00

EJEMPLO
CREDITO(0)
CREDITO(5)
TASA (MENSUAL)
MESES

EJEMPLO
500,000.00
1,000,000.00
0.025
12

PAGO(8)

1,051,926.62

CREDITO(0)
CREDITO(6)
PAGO(10)
PAGO(14)
TASA (MENSUAL)

EJEMPLO
200,000.00
700,000.00
100,000.00
300,000.00
2.50%

PAGO(16)

761,803.46

VALOR DEL DINERO A TRAVES DEL TIEMPO

EJEMPLO 1
CREDITO(0)
CREDITO(3 F)
TASA (MENSUAL)
MESES
MESES

1,500,000.00
1,000,000.00
0.02
18

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

1,500,000.00
1,522,500.00
1,545,337.50
2,568,517.56
2,607,045.33
2,646,151.01
2,685,843.27
2,726,130.92
2,767,022.88
2,808,528.23
1,850,656.15
1,878,415.99
548,725.32
556,956.20
565,310.54
573,790.20
582,397.05
591,133.00

PAGO(10)
PAGO(18)
PAGO(12)
INTERESES
22,500.00
22,837.50
23,180.06
38,527.76
39,105.68
39,692.27
40,287.65
40,891.96
41,505.34
42,127.92
27,759.84
28,176.24
8,230.88
8,354.34
8,479.66
8,606.85
8,735.96
8,867.00

SDO FINAL
1,500,000.00
1,522,500.00
1,545,337.50
2,568,517.56
2,607,045.33
2,646,151.01
2,685,843.27
2,726,130.92
2,767,022.88
2,808,528.23
1,850,656.15
1,878,415.99
548,725.32
556,956.20
565,310.54
573,790.20
582,397.05
591,133.00
0.00

AVES DEL TIEMPO

EJEMPLO 2
1,000,000.00
600,000.00
1,357,866.92

CREDITO(0)
432,703.38
CREDITO(5)
1,500,000.00
CREDITO(10)
2,000,000.00
TASA (MENSUAL)
1.90%
MESES
20
MESES

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

432,703.38
440,924.75
449,302.32
457,839.06
466,538.00
1,975,402.22
2,012,934.87
2,051,180.63
2,090,153.06
2,129,865.97
4,170,333.42
4,249,569.76
3,830,311.58
3,903,087.50
3,977,246.16
4,052,813.84
4,129,817.30
4,208,283.83
2,288,241.23
2,331,717.81

INTERESES
8,221.36
8,377.57
8,536.74
8,698.94
8,864.22
37,532.64
38,245.76
38,972.43
39,712.91
40,467.45
79,236.34
80,741.83
72,775.92
74,158.66
75,567.68
77,003.46
78,466.53
79,957.39
43,476.58
44,302.64

PAGO(8)
PAGO(12)
PAGO(18)
PAGO(20)

SDO FINAL
432,703.38
440,924.75
449,302.32
457,839.06
466,538.00
1,975,402.22
2,012,934.87
2,051,180.63
2,090,153.06
2,129,865.97
4,170,333.42
4,249,569.76
3,830,311.58
3,903,087.50
3,977,246.16
4,052,813.84
4,129,817.30
4,208,283.83
2,288,241.23
2,331,717.81
376,020.45

300,000.00
500,000.00
2,000,000.00
2,000,000.00

CREDITO (0) 2,000,000.00 (P=PRESENTE)

TASA
1.95%
P=PRESENTE
MESES

12

0
MESES

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12

2,000,000.00
1,850,461.06
1,698,006.10
1,542,578.28
1,384,119.61
1,222,571.00
1,057,872.19
889,961.76
718,777.07
544,254.28
366,328.30
184,932.75

INTERESES
39,000.00
36,083.99
33,111.12
30,080.28
26,990.33
23,840.13
20,628.51
17,354.25
14,016.15
10,612.96
7,143.40
3,606.19

ABONO
149,538.94
152,454.95
155,427.82
158,458.67
161,548.61
164,698.81
167,910.44
171,184.69
174,522.79
177,925.98
181,395.54
184,932.75

PAGOS
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94
188,538.94

PAGOS (1-12)

188,538.94
(A= una serie uniforme)
(i=TASA)

A=P*((i*(1+i)^)/((1+i)^-1))
INTERESES
A=ANUAL
1
SDO FINAL
2,000,000.00
1,850,461.06
1,698,006.10
1,542,578.28
1,384,119.61
1,222,571.00
1,057,872.19
889,961.76
718,777.07
544,254.28
366,328.30
184,932.75
0.00

ABONO
12

EJEMPLO 1
CREDITO (0)
1,000,000.00 O EL PRESENTE
TASA
1.60% MENSUAL
MESES
12
PERIODO DE GRACIA
2
(NO HAY PAGOS, PERO SI INTERESES)

MESES

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12

1,000,000.00
1,016,000.00
1,032,256.00
936,246.45
838,700.74
739,594.31
638,902.17
536,598.96
432,658.89
327,055.79
219,763.03
110,753.59

INTERESES
16,000.00
16,256.00
16,516.10
14,979.94
13,419.21
11,833.51
10,222.43
8,585.58
6,922.54
5,232.89
3,516.21
1,772.06

ABONO
16,000.00
16,256.00
96,009.55
97,545.70
99,106.44
100,692.14
102,303.21
103,940.06
105,603.11
107,292.76
109,009.44
110,753.59

EJEMPLO 2
CREDITO (0)
1,000,000.00 FUTURO (0)
CREDITO (6)
2,000,000.00 FUTURO (6)
TASA
1.80%
MESES
24
PERIODO DE GRACIA
3
(NO HAY PAGOS, PERO SI INTERESES)
MESES

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12

1,000,000.00
1,018,000.00
1,036,324.00
1,054,977.83
809,554.65
559,713.85
2,305,375.92
2,082,459.91
1,855,531.40
1,624,518.19
1,389,346.73
1,149,942.19

INTERESES
18,000.00
18,324.00
18,653.83
18,989.60
14,571.98
10,074.85
41,496.77
37,484.28
33,399.57
29,241.33
25,008.24
20,698.96

1,054,977.83
1,895,774.43

PAGOS (4-11)

ABONO
18,000.00
18,324.00
18,653.83
245,423.18
249,840.80
254,337.93
222,916.02
226,928.50
231,013.22
235,171.45
239,404.54
79,301.04

13
14
15
16
17
18
19
20
21
22
23
24

1,070,641.15
989,912.69
907,731.12
824,070.28
738,903.55
652,203.81
563,943.48
474,094.46
382,628.16
289,515.47
194,726.75
98,231.83

19,271.54
17,818.43
16,339.16
14,833.27
13,300.26
11,739.67
10,150.98
8,533.70
6,887.31
5,211.28
3,505.08
1,768.17

80,728.46
82,181.57
83,660.84
85,166.73
86,699.74
88,260.33
89,849.02
91,466.30
93,112.69
94,788.72
96,494.92
98,231.83

C(0)=$1,000,000.00
F=P*(1+TASA)^
EL CREDITO SE PASARA AL SIGUIENTE MES
FUTURO=
1,032,256.00
CUALES SON LOS PAGOS (O LA SERIE UNIFORME), DEL TRES A DOCE)
PAGOS (3-12)=
112,525.65
PAGOS

SDO FINAL
1,000,000.00
0
1,016,000.00
0
1,032,256.00
112,525.65
936,246.45
112,525.65
838,700.74
112,525.65
739,594.31
112,525.65
638,902.17
112,525.65
536,598.96
112,525.65
432,658.89
112,525.65
327,055.79
112,525.65
219,763.03
112,525.65
110,753.59
112,525.65
0.00

PAGOS (12-24)
TOTAL

100,000.00
1,953,755.42

264,413

PAGOS
264,412.78
264,412.78
264,412.78
264,412.78
264,412.78
264,412.78
264,412.78
264,412.78
100,000.00

SDO FINAL
1,000,000.00
1,018,000.00
1,036,324.00
1,054,977.83
809,554.65
559,713.85
2,305,375.92
2,082,459.91
1,855,531.40
1,624,518.19
1,389,346.73
1,149,942.19
1,070,641.15

996,996.85

100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00
100,000.00

989,912.69
907,731.12
824,070.28
738,903.55
652,203.81
563,943.48
474,094.46
382,628.16
289,515.47
194,726.75
98,231.83
0.00

C(0)=$1,000,000.00

F=P*(1+TASA)^N
1

1,032,256.00
3
12

CUAL ES UN CAMINO DIFERENTE

CREDITO (0)
$5,000,000 6,980,409.88
CREDITO (6)
$8,000,000 10,274,795.3
CREDITO (12)
$2,000,000 2,363,118.26
TASA
1.40%
MESES
24
PERIODO DE GRACIA
MESES

SDO INICIAL INTERESES

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

$5,000,000
$5,070,000
$5,140,980
$5,012,954
$4,883,135
$4,751,499
###
###
###
###
###
###
###
###
###
###
###
###
###
$9,911,099
$7,983,610
$6,029,136
$4,047,299
$2,037,717

$70,000.00
$70,980.00
$71,973.72
$70,181.35
$68,363.89
$66,520.99
$176,652.28
$176,325.41
$175,993.97
$175,657.88
$178,117.09
$180,610.73
$211,139.28
$212,695.23
$214,272.97
$215,872.79
$217,495.01
$191,612.51
$165,367.66
$138,755.39
$111,770.54
$84,407.90
$56,662.19
$28,528.03

PAGOS (3-9)
PAGOS (13-16)
FUTURO (24)

$200,000
$100,000

1,798,784.36
456,533.90

17,363,005.15

PAGOS(17-24)

2,066,244.60

ABONO

SDO FINAL
$5,000,000
0
$5,070,000.00
0
$5,140,980.00
$200,000
$5,012,953.72
$200,000
$4,883,135.07
$200,000
$4,751,498.96
$200,000 $12,618,019.95
$200,000 $12,594,672.23
$200,000 $12,570,997.64
$200,000 $12,546,991.61
$0 $12,722,649.49
$0 $12,900,766.58
$0 $15,081,377.31
$100,000 $15,192,516.60
$100,000 $15,305,211.83
$100,000 $15,419,484.79
$100,000 $15,535,357.58
2,066,244.60 $13,686,607.99
2,066,244.60 $11,811,975.90
2,066,244.60
$9,911,098.96
2,066,244.60
$7,983,609.75
2,066,244.60
$6,029,135.68
2,066,244.60
$4,047,298.98
2,066,244.60
$2,037,716.57
2,066,244.60
$0.00

$70,000.00
$70,980.00
$128,026.28
$129,818.65
$131,636.11
$133,479.01
$23,347.72
$23,674.59
$24,006.03
$175,657.88
$178,117.09
$180,610.73
$111,139.28
$112,695.23
$114,272.97
$115,872.79
###
###
###
###
###
###
###
###

PAGOS

CREDITO PUENTE: ES UN DINERO QUE UTILIZARAN DE LOS BANCOS LOS

CREDITO (0)
2,000,000.00
2,335,303.55 PAGOS (3-9)
CREDITO (4)
1,000,000.00
1,108,857.05 PAGOS (11-16)
CREDITO (12)
2,489,268.32
PAGOS (19-24)
TASA
1.30%
MESES
24
FUTURO 12-16
PERIODO DE GRACIA
2
MESES

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

2,000,000.00
2,026,000.00
2,052,338.00
1,879,018.39
2,703,445.63
2,538,590.43
2,371,592.10
2,202,422.80
2,031,054.30
1,857,458.00
1,881,604.96
1,606,065.82
3,816,213.00
3,565,823.77
3,312,179.48
3,055,237.81
2,794,955.90
2,831,290.33
2,868,097.10
2,405,382.37
1,936,652.34
1,461,828.82
980,832.59
493,583.42

INTERESES

ABONO
26,000.00
26,338.00
26,680.39
24,427.24
35,144.79
33,001.68
30,830.70
28,631.50
26,403.71
24,146.95
24,460.86
20,878.86
49,610.77
46,355.71
43,058.33
39,718.09
36,334.43
36,806.77
37,285.26
31,269.97
25,176.48
19,003.77
12,750.82
6,416.58

26,000.00
26,338.00
173,319.61
175,572.76
164,855.21
166,998.32
169,169.30
171,368.50
173,596.29
24,146.95
275,539.14
279,121.14
250,389.23
253,644.29
256,941.67
260,281.91
36,334.43
36,806.77
462,714.74
468,730.03
474,823.52
480,996.23
487,249.18
493,583.42

NCOS LOS
200,000.00
300,000.00
500,000.00

1,513,315.93
1,765,891.40
2,654,221.60

2,489,268.32

PAGOS

SDO FINAL
0
0
200,000.00
200,000.00
200,000.00
200,000.00
200,000.00
200,000.00
200,000.00
300,000.00
300,000.00
300,000.00
300,000.00
300,000.00
300,000.00
500,000.00
500,000.00
500,000.00
500,000.00
500,000.00
500,000.00

2,000,000.00
2,026,000.00
2,052,338.00
1,879,018.39
2,703,445.63
2,538,590.43
2,371,592.10
2,202,422.80
2,031,054.30
1,857,458.00
1,881,604.96
1,606,065.82
3,816,213.00
3,565,823.77
3,312,179.48
3,055,237.81
2,794,955.90
2,831,290.33
2,868,097.10
2,405,382.37
1,936,652.34
1,461,828.82
980,832.59
493,583.42
0.00

CREDITO PUENTE: ES UN DINERO QUE UTILIZARAN DE LOS BA

ARQUITECTOS DURANTE EL PROYECTO DE UNA UNIDAD HABITACIONAL
CREDITO (0)
10,000,000.00
CREDITO (6)
30,000,000.00
CREDITO (12)
40,000,000.00
CREDITO (28)
20,000,000.00
TASA
1.24%
MESES
36
PERIODO DE GRACIA
10

13,441,609.54 PAGOS (11-15)

37,450,680.33 PAGOS (20-23)
46,375,182.23 PAGOS (33-36)
19,038,005.58

SI EL MES CLAVE FUESE: 24 -> ES PRESENTE

SI EL MES CLAVE FUESE: 30 -> ES FUTURO
MESES
SDO INICIAL
INTERESES
0
1
10,000,000.00
124,000.00
2
10,124,000.00
125,537.60
3
10,249,537.60
127,094.27
4
10,376,631.87
128,670.24
5
10,505,302.10
130,265.75
6
10,635,567.85
131,881.04
7
40,767,448.89
505,516.37
8
41,272,965.25
511,784.77
9
41,784,750.02
518,130.90
10
42,302,880.92
524,555.72
11
42,827,436.65
531,060.21
12
41,858,496.86
519,045.36
13
80,877,542.22
1,002,881.52
14
80,380,423.75
996,717.25
15
79,877,141.00
990,476.55
16
79,367,617.55
984,158.46
17
80,351,776.01
996,362.02
18
81,348,138.03
1,008,716.91
19
82,356,854.94
1,021,225.00
20
83,378,079.94
1,033,888.19
21
83,011,968.13
1,029,348.40
22
82,641,316.54
1,024,752.33
23
82,266,068.86
1,020,099.25
24
81,886,168.12
1,015,388.48
25
82,901,556.60
1,027,979.30
26
71,086,588.16
881,473.69
27
59,125,114.10
733,151.41
28
47,015,317.77
582,989.94
29
54,755,359.97
678,966.46
30
42,591,378.68
528,133.10
31
30,276,564.03
375,429.39

TOTAL=
PAGOS (25-30)
MES CLAVE 24 (PRESENTE)

ABONOS
124,000.00
125,537.60
127,094.27
128,670.24
130,265.75
131,881.04
505,516.37
511,784.77
518,130.90
524,555.72
968,939.79
980,954.64
497,118.48
503,282.75
509,523.45
984,158.46
996,362.02
1,008,716.91
1,021,225.00
366,111.81
370,651.60
375,247.67
379,900.75
1,015,388.48
11,814,968.44
11,961,474.05
12,109,796.33
12,259,957.81
12,163,981.28
12,314,814.65
375,429.39

32
33
34
35
36

30,651,993.42
31,032,078.14
23,416,875.91
15,707,245.17
7,902,015.01

380,084.72
384,797.77
290,369.26
194,769.84
97,984.99

380,084.72
7,615,202.23
7,709,630.74
7,805,230.16
7,902,015.01

TILIZARAN DE LOS BANCOS LOS

AD HABITACIONAL
1,500,000.00
1,400,000.00
8,000,000.00

8,590,149.48
5,775,766.02
28,118,604.83

73,820,957.35
12,842,947.75
AVE 24 (PRESENTE)

12,842,947.75

PAGOS
0
0
0
0
0
0
0
0
0
0
1,500,000.00
1,500,000.00
1,500,000.00
1,500,000.00
1,500,000.00
1,400,000.00
1,400,000.00
1,400,000.00
1,400,000.00
12,842,947.75
12,842,947.75
12,842,947.75
12,842,947.75
12,842,947.75
12,842,947.75
-

SDO FINAL
10,000,000.00
10,124,000.00
10,249,537.60
10,376,631.87
10,505,302.10
10,635,567.85
40,767,448.89
41,272,965.25
41,784,750.02
42,302,880.92
42,827,436.65
41,858,496.86
80,877,542.22
80,380,423.75
79,877,141.00
79,367,617.55
80,351,776.01
81,348,138.03
82,356,854.94
83,378,079.94
83,011,968.13
82,641,316.54
82,266,068.86
81,886,168.12
82,901,556.60
71,086,588.16
59,125,114.10
47,015,317.77
54,755,359.97
42,591,378.68
30,276,564.03
30,651,993.42

8,000,000.00
8,000,000.00
8,000,000.00
8,000,000.00

31,032,078.14
23,416,875.91
15,707,245.17
7,902,015.01
0.00

CREDITO REFACCIONARIO:

ES UN DINERO QUE UTILIZARAN LOS

LOS INGENIEROS DURANTE RL PROYECTO DE UNA PLANTA. FASE III (CO
QUE ES LA FASE, MAS COSTOSA DE LA INVERSION
CREDITO (0)
CREDITO (6)
CREDITO (16)

15,000,000.00
26,862,809.43
20,000,000.00

TASA
MESES
PERIODO DE GRACIA
MESES

1.24%
36
6

SDO INICIAL
0
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

15,000,000.00
15,186,000.00
15,374,306.40
15,564,947.80
15,757,953.15
15,953,351.77
43,013,982.77
41,547,356.15
40,062,543.37
38,559,318.91
37,037,454.46
35,496,718.90
33,936,878.21
32,357,695.50
30,758,930.92
29,140,341.67
49,501,681.90
50,115,502.76
50,736,934.99
51,366,072.99
49,003,012.29
46,610,649.64
44,188,621.70
41,736,560.61
42,254,093.96
37,778,044.73
33,246,492.48
28,658,748.99
19,014,117.48
14,249,892.53
9,426,591.20
9,543,480.93
9,661,820.09

16,151,173.33 PAGOS (7-15)

PAGOS (20-23)
17,681,073.55 PAGOS (25-30)
PAGOS (33-36)
PAGO UNICO (28)
PAGO UNICO (36)
CREDITO (6)
INTERESES
186,000.00
188,306.40
190,641.40
193,005.35
195,398.62
197,821.56
533,373.39
515,187.22
496,775.54
478,135.55
459,264.44
440,159.31
420,817.29
401,235.42
381,410.74
361,340.24
613,820.86
621,432.23
629,137.99
636,939.31
607,637.35
577,972.06
547,938.91
517,533.35
523,950.77
468,447.75
412,256.51
355,368.49
235,775.06
176,698.67
116,889.73
118,339.16
119,806.57

ABONO
186,000.00
188,306.40
190,641.40
193,005.35
195,398.62
197,821.56
1,466,626.61
1,484,812.78
1,503,224.46
1,521,864.45
1,540,735.56
1,559,840.69
1,579,182.71
1,598,764.58
1,618,589.26
361,340.24
613,820.86
621,432.23
629,137.99
2,363,060.69
2,392,362.65
2,422,027.94
2,452,061.09
517,533.35
4,476,049.23
4,531,552.25
4,587,743.49
9,644,631.51
4,764,224.94
4,823,301.33
116,889.73
118,339.16
1,880,193.43

2,000,000.00
3,000,000.00
5,000,000.00
2,000,000.00
5,000,000.00
2,000,000.00
26,862,809.43
PAGOS
0
0
0
0
0
0
2,000,000.00
2,000,000.00
2,000,000.00
2,000,000.00
2,000,000.00
2,000,000.00
2,000,000.00
2,000,000.00
2,000,000.00
3,000,000.00
3,000,000.00
3,000,000.00
3,000,000.00
5,000,000.00
5,000,000.00
5,000,000.00
10,000,000.00
5,000,000.00
5,000,000.00
2,000,000.00

34
35
36

7,781,626.66
5,878,118.83
3,951,007.51

96,492.17
72,888.67
48,992.49

1,903,507.83
1,927,111.33
3,951,007.51

2,000,000.00
2,000,000.00
4,000,000.00

TILIZARAN LOS BANCOS,

TA. FASE III (CONSTRUCCION E INSTALACION)
16,932,912.38
9,914,352.45
23,022,183.18
5,631,126.97
3,812,615.43
1,381,865.90

SDO FINAL
15,000,000.00
15,186,000.00
15,374,306.40
15,564,947.80
15,757,953.15
15,953,351.77
43,013,982.77
41,547,356.15
40,062,543.37
38,559,318.91
37,037,454.46
35,496,718.90
33,936,878.21
32,357,695.50
30,758,930.92
29,140,341.67
49,501,681.90
50,115,502.76
50,736,934.99
51,366,072.99
49,003,012.29
46,610,649.64
44,188,621.70
41,736,560.61
42,254,093.96
37,778,044.73
33,246,492.48
28,658,748.99
19,014,117.48
14,249,892.53
9,426,591.20
9,543,480.93
9,661,820.09
7,781,626.66

5,878,118.83
3,951,007.51
0.00

OTRA FORMA DE ENCONTRAR LOS RESULTADOS, ES USAR LAS FUNCION

(las funciones se utilizaran en las unidades II hasta VI)
LOS INGENIEROS DURANTE RL PROYECTO DE UNA PLANTA. FASE III (CO
QUE ES LA FASE, MAS COSTOSA DE LA INVERSION
CREDITO (0)
15,000,000.00 16,151,173.33 PAGOS (7-15)
CREDITO (6)
26,862,809.43
PAGOS (20-23)
CREDITO (16)
20,000,000.00 17,681,073.55 PAGOS (25-30)
PAGOS (33-36)
TASA
1.24%
PAGO UNICO (28)
MESES
36
PAGO UNICO (36)
PERIODO DE GRACIA
6
CREDITO (6)
MESES

SDO INICIAL
0

INTERESES

ABONO

2,000,000.00
3,000,000.00
5,000,000.00
2,000,000.00
5,000,000.00
2,000,000.00
26,862,809.43
PAGOS

ES USAR LAS FUNCIONES

PLANTA. FASE III (CONSTRUCCION E INSTALACION)

16,932,912
9,914,352
23,022,183
5,631,127
3,812,615
1,381,866

SDO FINAL
15,000,000.00

###
$9,914,352.45
###
$5,631,126.97
#DIV/0!

CREDITO DE AVIO O DE AVILITACION: ES IN DINERO QUE UTILIZARAN DE LOS BANCOS

LOS INGENIEROS, DURANTE LA OPERACIN DE UNA PLANTA
CREDITO (0)
3,000,000.00 3,609,136.45 PAGOS (2-5)
CREDITO (3)
1,000,000.00 1,159,379.56 PAGOS (7-10)
CREDITO (6)
2,000,000.00 2,207,227.44 PAGOS (16-18)
6,975,743.45 PAGO UNICO (8)
TASA
1.24%
PAGO UNICO (12)
MESES
18
PERIODOS DE GRACIA 1
PAGOS (12-15)
MESES

SDO INICIAL
0
1 3,000,000.00
2 3,037,200.00
3 2,874,861.28
4 2,710,509.56
5 2,544,119.88
6 2,375,666.96
7 2,405,125.24
8 2,134,948.79
9 1,861,422.15
10 1,584,503.79
11 1,304,151.63
12 1,320,323.12
13 1,336,695.12
14 1,353,270.14
15 1,370,050.69
16 1,387,039.32
17
18

INTERESES
37,200.00
37,661.28
35,648.28
33,610.32
31,547.09
29,458.27
29,823.55
26,473.36
23,081.63
19,647.85
16,171.48
16,372.01
16,575.02
16,780.55
16,988.63
17,199.29

ABONO

200,000.00
300,000.00
100,000.00
500,000.00
800,000.00
$307,228.38
PAGOS

37,200.00
162,338.72
164,351.72
166,389.68
168,452.91
29,458.27
270,176.45
273,526.64
276,918.37
280,352.15
16,171.48
16,372.01
16,575.02
16,780.55
16,988.63
82,800.71

0
200,000.00
200,000.00
200,000.00
200,000.00
300,000.00
300,000.00
300,000.00
300,000.00
100,000.00

DE LOS BANCOS

$775,801.95
###
$282,086.67
###
$809,920.00
1,251,960.84
SDO FINAL
3,000,000.00
3,037,200.00
2,874,861.28
2,710,509.56
2,544,119.88
2,375,666.96
2,405,125.24
2,134,948.79
1,861,422.15
1,584,503.79
1,304,151.63
1,320,323.12
1,336,695.12
1,353,270.14
1,370,050.69
1,387,039.32
1,304,238.61

###
###

EXAMEN

PROBLEMA NUM 1.

CREDITO REFACCIONARIO: ES UN DINERO QUE UTILIZAR

DURANTE EL PROYECTO DE UNA PLANTA. FASE III (CON
TASA
2.10%
MESES
36
PERIODO DE GRACIA
3
CREDITO (0)
$20,000,000
CREDITO (6)
$10,000,000
CREDITO (20)
$25,000,000

27,315,938.54
12,056,789.50
22,532,599.54
61,905,327.59

CREDITO (15)

6,382,678.16

MESES

SDO INICIAL
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21

INTERESES
$20,000,000
$20,420,000
$20,848,820
$21,286,645
$19,733,665
$18,148,072
$26,529,181
$25,086,294
$23,613,106
$22,108,981
$20,573,270
$21,005,309
$21,446,420
$21,896,795
$22,356,628
$29,208,795
$29,822,180
$30,448,446
$31,087,863
$31,740,708
$54,407,263

$420,000.00
$428,820.00
$437,825.22
$447,019.55
$414,406.96
$381,109.51
$557,112.81
$526,812.17
$495,875.23
$464,288.61
$432,038.67
$441,111.48
$450,374.82
$459,832.70
$469,489.18
$613,384.70
$626,265.78
$639,417.36
$652,845.12
$666,554.87
$1,142,552.52

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

$52,549,815
$50,653,362
$48,717,082
$46,740,141
$42,721,684
$38,618,839
$34,429,835
$25,152,861
$20,681,071
$16,115,374
$16,453,797
$16,799,326
$15,152,112
$13,470,307
$11,753,183

$1,103,546.12
$1,063,720.59
$1,023,058.72
$981,542.96
$897,155.36
$810,995.62
$723,026.53
$528,210.09
$434,302.50
$338,422.85
$345,529.73
$352,785.86
$318,194.36
$282,876.44
$246,816.85

NERO QUE UTILIZARAN DE LOS BANCOS LOS INGENIEROS,

ANTA. FASE III (CONSTRUCCION E INSTALACION)
CALCULO DE LAS:
1. FORMULAS
2.TABLA DE AMORTIZACION
PAGOS (4-10)
PAGOS (20-24)
PAGOS (25-30)
PAGOS (33-36)
PAGO UNICO (28)
PAGO UNICO (36)

$2,000,000
$3,000,000
$5,000,000
$2,000,000
$5,000,000
$10,000,000

PUNTOS
80
20
100
16,546,611.13
12,974,738.83
23,151,172.62
5,335,870.06
3,816,237.17
6,463,375.92
68,288,005.75

ABONOS

PAGOS
$420,000.00
$428,820.00
$437,825.22
$1,552,980.45
$1,585,593.04
$1,618,890.49
$1,442,887.19
$1,473,187.83
$1,504,124.77
$1,535,711.39
$432,038.67
$441,111.48
$450,374.82
$459,832.70
$469,489.18
$613,384.70
$626,265.78
$639,417.36
$652,845.12
$2,333,445.13
$1,857,447.48

SDO FINAL
$2,000,000
$2,000,000
$2,000,000
$2,000,000
$2,000,000
$2,000,000
$2,000,000
$0
$0
$0
$0
$0
$0
$0
$0
$0
$3,000,000
$3,000,000

$20,000,000
$20,420,000.00
$20,848,820.00
$21,286,645.22
$19,733,664.77
$18,148,071.73
$26,529,181.24
$25,086,294.04
$23,613,106.22
$22,108,981.45
$20,573,270.06
$21,005,308.73
$21,446,420.21
$21,896,795.04
$22,356,627.73
$29,208,795.07
$29,822,179.77
$30,448,445.55
$31,087,862.90
$31,740,708.02
$54,407,262.89
$52,549,815.41

$1,896,453.88
$1,936,279.41
$1,976,941.28
$4,018,457.04
$4,102,844.64
$4,189,004.38
$9,276,973.47
$4,471,789.91
$4,565,697.50
$338,422.85
$345,529.73
$1,647,214.14
$1,681,805.64
$1,717,123.56
$11,753,183.15

$3,000,000
$3,000,000
$3,000,000
$5,000,000
$5,000,000
$5,000,000
$10,000,000
$5,000,000
$5,000,000
$0
$0
$2,000,000
$2,000,000
$2,000,000
$12,000,000

$50,653,361.54
$48,717,082.13
$46,740,140.85
$42,721,683.81
$38,618,839.17
$34,429,834.79
$25,152,861.33
$20,681,071.41
$16,115,373.91
$16,453,796.76
$16,799,326.50
$15,152,112.35
$13,470,306.71
$11,753,183.15
$0.00

GENIEROS,
61,905,327.59
68,288,005.75

6,382,678.16