Prestamo 100,000,000.

00
Tasa 1,10%
Plazo 60

Tabla de Amortización
Periodo Interes Capital Cuota
0
0.011 1 -$1,100,000.00 -$1,185,558.60 -$2,285,558.60
2 -$1,086,958.86 -$1,198,599.74 -$2,285,558.60
3 -$1,073,774.26 -$1,211,784.34 -$2,285,558.60
4 -$1,060,444.63 -$1,225,113.97 -$2,285,558.60
5 -$1,046,968.38 -$1,238,590.22 -$2,285,558.60
6 -$1,033,343.88 -$1,252,214.72 -$2,285,558.60
7 -$1,019,569.52 -$1,265,989.08 -$2,285,558.60
8 -$1,005,643.64 -$1,279,914.96 -$2,285,558.60
9 -$991,564.58 -$1,293,994.02 -$2,285,558.60
10 -$977,330.64 -$1,308,227.96 -$2,285,558.60
11 -$962,940.14 -$1,322,618.46 -$2,285,558.60
12 -$948,391.33 -$1,337,167.27 -$2,285,558.60
13 -$933,682.49 -$1,351,876.11 -$2,285,558.60
14 -$918,811.86 -$1,366,746.74 -$2,285,558.60
15 -$903,777.64 -$1,381,780.96 -$2,285,558.60
16 -$888,578.05 -$1,396,980.55 -$2,285,558.60
17 -$873,211.27 -$1,412,347.34 -$2,285,558.60
18 -$857,675.44 -$1,427,883.16 -$2,285,558.60
19 -$841,968.73 -$1,443,589.87 -$2,285,558.60
20 -$826,089.24 -$1,459,469.36 -$2,285,558.60
21 -$810,035.08 -$1,475,523.52 -$2,285,558.60
22 -$793,804.32 -$1,491,754.28 -$2,285,558.60
23 -$777,395.02 -$1,508,163.58 -$2,285,558.60
24 -$760,805.22 -$1,524,753.38 -$2,285,558.60
25 -$744,032.94 -$1,541,525.66 -$2,285,558.60
26 -$727,076.15 -$1,558,482.45 -$2,285,558.60
27 -$709,932.85 -$1,575,625.75 -$2,285,558.60
28 -$692,600.96 -$1,592,957.64 -$2,285,558.60
29 -$675,078.43 -$1,610,480.17 -$2,285,558.60
30 -$657,363.15 -$1,628,195.45 -$2,285,558.60
31 -$639,453.00 -$1,646,105.60 -$2,285,558.60
32 -$621,345.84 -$1,664,212.76 -$2,285,558.60
33 -$603,039.50 -$1,682,519.10 -$2,285,558.60
34 -$584,531.79 -$1,701,026.81 -$2,285,558.60
35 -$565,820.49 -$1,719,738.11 -$2,285,558.60
36 -$546,903.37 -$1,738,655.23 -$2,285,558.60
37 -$527,778.16 -$1,757,780.44 -$2,285,558.60
38 -$508,442.58 -$1,777,116.02 -$2,285,558.60
39 -$488,894.30 -$1,796,664.30 -$2,285,558.60
40 -$469,131.00 -$1,816,427.60 -$2,285,558.60
41 -$449,150.29 -$1,836,408.31 -$2,285,558.60
42 -$428,949.80 -$1,856,608.80 -$2,285,558.60
43 -$408,527.10 -$1,877,031.50 -$2,285,558.60
44 -$387,879.76 -$1,897,678.84 -$2,285,558.60
45 -$367,005.29 -$1,918,553.31 -$2,285,558.60
46 -$345,901.20 -$1,939,657.40 -$2,285,558.60
47 -$324,564.97 -$1,960,993.63 -$2,285,558.60
48 -$302,994.04 -$1,982,564.56 -$2,285,558.60
49 -$281,185.83 -$2,004,372.77 -$2,285,558.60
50 -$259,137.73 -$2,026,420.87 -$2,285,558.60
51 -$236,847.10 -$2,048,711.50 -$2,285,558.60
52 -$214,311.28 -$2,071,247.32 -$2,285,558.60
53 -$191,527.55 -$2,094,031.05 -$2,285,558.60
54 -$168,493.21 -$2,117,065.39 -$2,285,558.60
55 -$145,205.49 -$2,140,353.11 -$2,285,558.60
56 -$121,661.61 -$2,163,896.99 -$2,285,558.60
57 -$97,858.74 -$2,187,699.86 -$2,285,558.60
58 -$73,794.04 -$2,211,764.56 -$2,285,558.60
59 -$49,464.63 -$2,236,093.97 -$2,285,558.60
60 -$24,867.60 -$2,260,691.00 -$2,285,558.60
 Saldo
100,000,000
98,814,441
97,615,842
96,404,057
95,178,943
93,940,353
92,688,138
91,422,149
90,142,234
88,848,240
87,540,012
86,217,394
84,880,227
83,528,351
82,161,604
80,779,823
79,382,842
77,970,495
76,542,612
75,099,022
73,639,553
72,164,029
70,672,275
69,164,111
67,639,358
66,097,832
64,539,350
62,963,724
61,370,766
59,760,286
58,132,091
56,485,985
54,821,772
53,139,253
51,438,226
49,718,488
47,979,833
46,222,053
44,444,937
42,648,272
40,831,845
38,995,436
37,138,828
35,261,796
33,364,117
31,445,564
29,505,907
27,544,913
25,562,348
23,557,976
21,531,555
19,482,843
17,411,596
15,317,565
13,200,499
11,060,146
8,896,249
6,708,550
4,496,785
2,260,691
0
Prestamo 50,000,000.00
Tasa 1,08%
Plazo 24

Tabla de Amortización
Periodo Interes Capital Cuota
0
0.0108 1 -$540,000.00 -$1,836,151.82 -$2,376,151.82
2 -$520,169.56 -$1,855,982.26 -$2,376,151.82
3 -$500,124.95 -$1,876,026.87 -$2,376,151.82
4 -$479,863.86 -$1,896,287.96 -$2,376,151.82
5 -$459,383.95 -$1,916,767.87 -$2,376,151.82
6 -$438,682.86 -$1,937,468.97 -$2,376,151.82
7 -$417,758.19 -$1,958,393.63 -$2,376,151.82
8 -$396,607.54 -$1,979,544.28 -$2,376,151.82
9 -$375,228.46 -$2,000,923.36 -$2,376,151.82
10 -$353,618.49 -$2,022,533.33 -$2,376,151.82
11 -$331,775.13 -$2,044,376.69 -$2,376,151.82
12 -$309,695.86 -$2,066,455.96 -$2,376,151.82
13 -$287,378.14 -$2,088,773.69 -$2,376,151.82
14 -$264,819.38 -$2,111,332.44 -$2,376,151.82
15 -$242,016.99 -$2,134,134.83 -$2,376,151.82
16 -$218,968.34 -$2,157,183.49 -$2,376,151.82
17 -$195,670.76 -$2,180,481.07 -$2,376,151.82
18 -$172,121.56 -$2,204,030.26 -$2,376,151.82
19 -$148,318.03 -$2,227,833.79 -$2,376,151.82
20 -$124,257.43 -$2,251,894.40 -$2,376,151.82
21 -$99,936.97 -$2,276,214.86 -$2,376,151.82
22 -$75,353.85 -$2,300,797.98 -$2,376,151.82
23 -$50,505.23 -$2,325,646.59 -$2,376,151.82
24 -$25,388.25 -$2,350,763.58 -$2,376,151.82

-$7,027,643.79
Saldo
50,000,000
48,163,848
46,307,866
44,431,839
42,535,551
40,618,783
38,681,314
36,722,921
34,743,376
32,742,453
30,719,920
28,675,543
26,609,087
24,520,313
22,408,981
20,274,846
18,117,663
15,937,181
13,733,151
11,505,317
9,253,423
6,977,208
4,676,410
2,350,764
0
Prestamo 90,000,000.00
Tasa $0
Plazo 36

Tabla de Amortización
Periodo Interes Capital Cuota
0
0.0108 1 -$972,000.00 -$2,058,721.99 -$3,030,721.99
2 -$949,765.80 -$2,080,956.18 -$3,030,721.99
3 -$927,291.48 -$2,103,430.51 -$3,030,721.99
4 -$904,574.43 -$2,126,147.56 -$3,030,721.99
5 -$881,612.03 -$2,149,109.95 -$3,030,721.99
6 -$858,401.65 -$2,172,320.34 -$3,030,721.99
7 -$834,940.59 -$2,195,781.40 -$3,030,721.99
8 -$811,226.15 -$2,219,495.84 -$3,030,721.99
9 -$787,255.59 -$2,243,466.40 -$3,030,721.99
10 -$763,026.15 -$2,267,695.83 -$3,030,721.99
11 -$738,535.04 -$2,292,186.95 -$3,030,721.99
12 -$713,779.42 -$2,316,942.57 -$3,030,721.99
13 -$688,756.44 -$2,341,965.55 -$3,030,721.99
14 -$663,463.21 -$2,367,258.77 -$3,030,721.99
15 -$637,896.82 -$2,392,825.17 -$3,030,721.99
16 -$612,054.31 -$2,418,667.68 -$3,030,721.99
17 -$585,932.69 -$2,444,789.29 -$3,030,721.99
18 -$559,528.97 -$2,471,193.02 -$3,030,721.99
19 -$532,840.09 -$2,497,881.90 -$3,030,721.99
20 -$505,862.96 -$2,524,859.02 -$3,030,721.99
21 -$478,594.48 -$2,552,127.50 -$3,030,721.99
22 -$451,031.51 -$2,579,690.48 -$3,030,721.99
23 -$423,170.85 -$2,607,551.14 -$3,030,721.99
24 -$395,009.30 -$2,635,712.69 -$3,030,721.99
25 -$366,543.60 -$2,664,178.39 -$3,030,721.99
26 -$337,770.47 -$2,692,951.51 -$3,030,721.99
27 -$308,686.60 -$2,722,035.39 -$3,030,721.99
28 -$279,288.62 -$2,751,433.37 -$3,030,721.99
29 -$249,573.14 -$2,781,148.85 -$3,030,721.99
30 -$219,536.73 -$2,811,185.26 -$3,030,721.99
31 -$189,175.93 -$2,841,546.06 -$3,030,721.99
32 -$158,487.23 -$2,872,234.76 -$3,030,721.99
33 -$127,467.09 -$2,903,254.89 -$3,030,721.99
34 -$96,111.94 -$2,934,610.05 -$3,030,721.99
35 -$64,418.15 -$2,966,303.83 -$3,030,721.99
36 -$32,382.07 -$2,998,339.92 -$3,030,721.99

-$19,105,991.51
Saldo
90,000,000
87,941,278
85,860,322
83,756,891
81,630,744
79,481,634
77,309,313
75,113,532
72,894,036
70,650,570
68,382,874
66,090,687
63,773,744
61,431,779
59,064,520
56,671,695
54,253,027
51,808,238
49,337,045
46,839,163
44,314,304
41,762,177
39,182,486
36,574,935
33,939,222
31,275,044
28,582,092
25,860,057
23,108,624
20,327,475
17,516,290
14,674,743
11,802,509
8,899,254
5,964,644
2,998,340
0
Prestamo 150,000,000.00
Tasa 1,10%
Plazo 36

Tabla de Amortización
Periodo Interes Capital Cuota
0
0.0126 1 -$1,890,000.00 -$3,318,618.28 -$5,208,618.28
2 -$1,848,185.41 -$3,360,432.87 -$5,208,618.28
3 -$1,805,843.96 -$3,402,774.32 -$5,208,618.28
4 -$1,762,969.00 -$3,445,649.28 -$5,208,618.28
5 -$1,719,553.82 -$3,489,064.46 -$5,208,618.28
6 -$1,675,591.61 -$3,533,026.67 -$5,208,618.28
7 -$1,631,075.47 -$3,577,542.81 -$5,208,618.28
8 -$1,585,998.43 -$3,622,619.85 -$5,208,618.28
9 -$1,540,353.42 -$3,668,264.86 -$5,208,618.28
10 -$1,494,133.28 -$3,714,484.99 -$5,208,618.28
11 -$1,447,330.77 -$3,761,287.50 -$5,208,618.28
12 -$1,399,938.55 -$3,808,679.73 -$5,208,618.28
13 -$1,351,949.19 -$3,856,669.09 -$5,208,618.28
14 -$1,303,355.15 -$3,905,263.12 -$5,208,618.28
15 -$1,254,148.84 -$3,954,469.44 -$5,208,618.28
16 -$1,204,322.52 -$4,004,295.75 -$5,208,618.28
17 -$1,153,868.40 -$4,054,749.88 -$5,208,618.28
18 -$1,102,778.55 -$4,105,839.73 -$5,208,618.28
19 -$1,051,044.97 -$4,157,573.31 -$5,208,618.28
20 -$998,659.55 -$4,209,958.73 -$5,208,618.28
21 -$945,614.07 -$4,263,004.21 -$5,208,618.28
22 -$891,900.21 -$4,316,718.07 -$5,208,618.28
23 -$837,509.56 -$4,371,108.71 -$5,208,618.28
24 -$782,433.59 -$4,426,184.68 -$5,208,618.28
25 -$726,663.67 -$4,481,954.61 -$5,208,618.28
26 -$670,191.04 -$4,538,427.24 -$5,208,618.28
27 -$613,006.86 -$4,595,611.42 -$5,208,618.28
28 -$555,102.15 -$4,653,516.12 -$5,208,618.28
29 -$496,467.85 -$4,712,150.43 -$5,208,618.28
30 -$437,094.75 -$4,771,523.52 -$5,208,618.28
31 -$376,973.56 -$4,831,644.72 -$5,208,618.28
32 -$316,094.83 -$4,892,523.44 -$5,208,618.28
33 -$254,449.04 -$4,954,169.24 -$5,208,618.28
34 -$192,026.51 -$5,016,591.77 -$5,208,618.28
35 -$128,817.45 -$5,079,800.83 -$5,208,618.28
36 -$64,811.96 -$5,143,806.32 -$5,208,618.28

-$37,510,257.98
 Saldo
150,000,000
146,681,382
143,320,949
139,918,175
136,472,525
132,983,461
129,450,434
125,872,891
122,250,271
118,582,007
114,867,522
111,106,234
107,297,554
103,440,885
99,535,622
95,581,153
91,576,857
87,522,107
83,416,267
79,258,694
75,048,735
70,785,731
66,469,013
62,097,904
57,671,720
53,189,765
48,651,338
44,055,726
39,402,210
34,690,060
29,918,536
25,086,892
20,194,368
15,240,199
10,223,607
5,143,806
0
Prestamo 300,000,000.00
Tasa 1,10%
Plazo 24

Tabla de Amortización
Periodo Interes Capital
0
0.0098 1 -$2,940,000.00 -$11,148,441.63
2 -$2,830,745.27 -$11,257,696.36
3 -$2,720,419.85 -$11,368,021.78
4 -$2,609,013.23 -$11,479,428.40
5 -$2,496,514.84 -$11,591,926.80
6 -$2,382,913.95 -$11,705,527.68
7 -$2,268,199.78 -$11,820,241.85
8 -$2,152,361.41 -$11,936,080.22
9 -$2,035,387.83 -$12,053,053.81
10 -$1,917,267.90 -$12,171,173.73
11 -$1,797,990.40 -$12,290,451.24
12 -$1,677,543.97 -$12,410,897.66
13 -$1,555,917.18 -$12,532,524.45
14 -$1,433,098.44 -$12,655,343.19
15 -$1,309,076.07 -$12,779,365.56
16 -$1,183,838.29 -$12,904,603.34
17 -$1,057,373.18 -$13,031,068.45
18 -$929,668.71 -$13,158,772.92
19 -$800,712.73 -$13,287,728.90
20 -$670,492.99 -$13,417,948.64
21 -$538,997.09 -$13,549,444.54
22 -$406,212.54 -$13,682,229.09
23 -$272,126.69 -$13,816,314.94
24 -$136,726.81 -$13,951,714.83

-$38,122,599.15
zación
Cuota Saldo
300,000,000
-$14,088,441.63 288,851,558
-$14,088,441.63 277,593,862
-$14,088,441.63 266,225,840
-$14,088,441.63 254,746,412
-$14,088,441.63 243,154,485
-$14,088,441.63 231,448,957
-$14,088,441.63 219,628,716
-$14,088,441.63 207,692,635
-$14,088,441.63 195,639,581
-$14,088,441.63 183,468,408
-$14,088,441.63 171,177,957
-$14,088,441.63 158,767,059
-$14,088,441.63 146,234,534
-$14,088,441.63 133,579,191
-$14,088,441.63 120,799,826
-$14,088,441.63 107,895,222
-$14,088,441.63 94,864,154
-$14,088,441.63 81,705,381
-$14,088,441.63 68,417,652
-$14,088,441.63 54,999,703
-$14,088,441.63 41,450,259
-$14,088,441.63 27,768,030
-$14,088,441.63 13,951,715
-$14,088,441.63 - 0
 BBVA Interese por cuotas x pagar
PRESTAMO 300,000,000 BANCOLOMBIA -$7,027,643.79
valor valorv -$38,122,599.15 BANCOLOMBIA 2 -$19,105,991.51
B BOGOTA -$37,510,257.98
TOTAL - 63,643,893.29

ANALISIS

1. Al adquirir la compra de cartera se disminuye la carga financiera, ya que el valor de los intereses es mas bajo

2. A pesar de que el interes es mas bajo el flujo de caja se veria afectado, por el incremento del valor de la cuot

3.Si la capacidad de la empresa tiene la solvencia de pagar el valor aumentado de la cuota, se puede arriesgar a
En otro punto se puede realizar una propuesta al banco de recibir la compra de cartera, pero con un
 -$10,615,492.09 DIFERENCIA INTERES
-$14,088,441.63 - 25,521,294.14
-$3,472,949.54
-$41,675,394.51

intereses es mas bajo con respecto a los intereses ofrecidos por los demas bancos.

nto del valor de la cuota y esto haria que la empresa disminuya la capacidad de solvencia

a, se puede arriesgar a aceptar el prestamo

valor menos de un prestamo en donde yo pueda pagar a los bancos que me estan cobrando un imteres mas al
brando un imteres mas alto