TABLA DE AMORTIZACION PRESTAMO LIBRE INVERSION

MONTO $ 5,000,000 PLAZO 59 MESES TASA DE INTERES 1.5% MENSUAL

MES SALDO INICIAL CUOTA INTERES ABONO A CAPITAL

1 $ 5,000,000 $ 128,301.00 $ 75,000 $ 53,301
2 $ 4,946,699 $ 128,301.00 $ 74,200 $ 54,101
3 $ 4,892,598 $ 128,301.00 $ 73,389 $ 54,912
4 $ 4,837,686 $ 128,301.00 $ 72,565 $ 55,736
5 $ 4,781,951 $ 128,301.00 $ 71,729 $ 56,572
6 $ 4,725,379 $ 128,301.00 $ 70,881 $ 57,420
7 $ 4,667,959 $ 128,301.00 $ 70,019 $ 58,282
8 $ 4,609,677 $ 128,301.00 $ 69,145 $ 59,156
9 $ 4,550,521 $ 128,301.00 $ 68,258 $ 60,043
10 $ 4,490,478 $ 128,301.00 $ 67,357 $ 60,944
11 $ 4,429,534 $ 128,301.00 $ 66,443 $ 61,858
12 $ 4,367,676 $ 128,301.00 $ 65,515 $ 62,786
13 $ 4,304,890 $ 128,301.00 $ 64,573 $ 63,728
14 $ 4,241,163 $ 128,301.00 $ 63,617 $ 64,684
15 $ 4,176,479 $ 128,301.00 $ 62,647 $ 65,654
16 $ 4,110,825 $ 128,301.00 $ 61,662 $ 66,639
17 $ 4,044,187 $ 128,301.00 $ 60,663 $ 67,638
18 $ 3,976,549 $ 128,301.00 $ 59,648 $ 68,653
19 $ 3,907,896 $ 128,301.00 $ 58,618 $ 69,683
20 $ 3,838,213 $ 128,301.00 $ 57,573 $ 70,728
21 $ 3,767,485 $ 128,301.00 $ 56,512 $ 71,789
22 $ 3,695,697 $ 128,301.00 $ 55,435 $ 72,866
23 $ 3,622,831 $ 128,301.00 $ 54,342 $ 73,959
24 $ 3,548,873 $ 128,301.00 $ 53,233 $ 75,068
25 $ 3,473,805 $ 128,301.00 $ 52,107 $ 76,194
26 $ 3,397,611 $ 128,301.00 $ 50,964 $ 77,337
27 $ 3,320,274 $ 128,301.00 $ 49,804 $ 78,497
28 $ 3,241,777 $ 128,301.00 $ 48,627 $ 79,674
29 $ 3,162,103 $ 128,301.00 $ 47,432 $ 80,869
30 $ 3,081,233 $ 128,301.00 $ 46,218 $ 82,083
31 $ 2,999,151 $ 128,301.00 $ 44,987 $ 83,314
32 $ 2,915,837 $ 128,301.00 $ 43,738 $ 84,563
33 $ 2,831,274 $ 128,301.00 $ 42,469 $ 85,832
34 $ 2,745,442 $ 128,301.00 $ 41,182 $ 87,119
35 $ 2,658,322 $ 128,301.00 $ 39,875 $ 88,426
36 $ 2,569,896 $ 128,301.00 $ 38,548 $ 89,753
37 $ 2,480,144 $ 128,301.00 $ 37,202 $ 91,099
38 $ 2,389,045 $ 128,301.00 $ 35,836 $ 92,465
39 $ 2,296,579 $ 128,301.00 $ 34,449 $ 93,852
40 $ 2,202,727 $ 128,301.00 $ 33,041 $ 95,260
41 $ 2,107,467 $ 128,301.00 $ 31,612 $ 96,689
42 $ 2,010,778 $ 128,301.00 $ 30,162 $ 98,139
43 $ 1,912,639 $ 128,301.00 $ 28,690 $ 99,611
44 $ 1,813,027 $ 128,301.00 $ 27,195 $ 101,106
45 $ 1,711,922 $ 128,301.00 $ 25,679 $ 102,622
46 $ 1,609,299 $ 128,301.00 $ 24,139 $ 104,162
47 $ 1,505,138 $ 128,301.00 $ 22,577 $ 105,724
48 $ 1,399,414 $ 128,301.00 $ 20,991 $ 107,310
49 $ 1,292,104 $ 128,301.00 $ 19,382 $ 108,919
50 $ 1,183,185 $ 128,301.00 $ 17,748 $ 110,553
51 $ 1,072,632 $ 128,301.00 $ 16,089 $ 112,212
52 $ 960,420 $ 128,301.00 $ 14,406 $ 113,895
53 $ 846,525 $ 128,301.00 $ 12,698 $ 115,603
54 $ 730,922 $ 128,301.00 $ 10,964 $ 117,337
55 $ 613,585 $ 128,301.00 $ 9,204 $ 119,097
56 $ 494,488 $ 128,301.00 $ 7,417 $ 120,884
57 $ 373,604 $ 128,301.00 $ 5,604 $ 122,697
58 $ 250,907 $ 128,301.00 $ 3,764 $ 124,537
59 $ 126,370 $ 128,301.00 $ 1,896 $ 126,370
SALDO FINAL
$ 4,946,699
$ 4,892,598
$ 4,837,686
$ 4,781,951
$ 4,725,379
$ 4,667,959
$ 4,609,677
$ 4,550,521
$ 4,490,478
$ 4,429,534
$ 4,367,676
$ 4,304,890
$ 4,241,163
$ 4,176,479
$ 4,110,825
$ 4,044,187
$ 3,976,549
$ 3,907,896
$ 3,838,213
$ 3,767,485
$ 3,695,697
$ 3,622,831
$ 3,548,873
$ 3,473,805
$ 3,397,611
$ 3,320,274
$ 3,241,777
$ 3,162,103
$ 3,081,233
$ 2,999,151
$ 2,915,837
$ 2,831,274
$ 2,745,442
$ 2,658,322
$ 2,569,896
$ 2,480,144
$ 2,389,045
$ 2,296,579
$ 2,202,727
$ 2,107,467
$ 2,010,778
$ 1,912,639
$ 1,813,027
$ 1,711,922
$ 1,609,299
$ 1,505,138
$ 1,399,414
$ 1,292,104
$ 1,183,185
$ 1,072,632
$ 960,420
$ 846,525
$ 730,922
$ 613,585
$ 494,488
$ 373,604
$ 250,907
$ 126,370
$ -
 TABLA AMORTIZACIÒN PRÈSTAMO COMPRA
Plazo (Mensual Saldo Inicial
1 $ 35,000,000.00
Plazo 36 2 $ 34,329,478.85
Monto 35,000,000 3 $ 33,645,410.94
Tasa anual 20.90% 4 $ 32,947,522.57
Tasa anual C/ IVA 24.24% 5 $ 32,235,534.53
Tasa mensual S/ IVA 1.74% 6 $ 31,509,161.97
Tasa mensual C/ IVA 2.02% 7 $ 30,768,114.25
Pago mensual $1,377,637.82 8 $ 30,012,094.90
9 $ 29,240,801.44
10 $ 28,453,925.28
11 $ 27,651,151.60
12 $ 26,832,159.22
13 $ 25,996,620.46
14 $ 25,144,201.03
15 $ 24,274,559.89
16 $ 23,387,349.09
17 $ 22,482,213.69
18 $ 21,558,791.53
19 $ 20,616,713.16
20 $ 19,655,601.67
21 $ 18,675,072.53
22 $ 17,674,733.43
23 $ 16,654,184.14
24 $ 15,613,016.35
25 $ 14,550,813.51
26 $ 13,467,150.63
27 $ 12,361,594.15
28 $ 11,233,701.74
29 $ 10,083,022.14
30 $ 8,909,094.98
31 $ 7,711,450.58
32 $ 6,489,609.77
33 $ 5,243,083.70
34 $ 3,971,373.65
35 $ 2,673,970.82
36 $ 1,350,356.12
AMORTIZACIÒN PRÈSTAMO COMPRA DE VEHÌCULO
Cuota Mensual Intereses Abono a Capital Iva Saldo Final
$1,377,637.82 609,583.33 $670,521.15 97,533.33 $ 34,329,478.85
$1,377,637.82 597,905.09 $684,067.91 95,664.81 $ 33,645,410.94
$1,377,637.82 585,990.91 $697,888.37 93,758.55 $ 32,947,522.57
$1,377,637.82 573,836.02 $711,988.04 91,813.76 $ 32,235,534.53
$1,377,637.82 561,435.56 $726,372.57 89,829.69 $ 31,509,161.97
$1,377,637.82 548,784.57 $741,047.72 87,805.53 $ 30,768,114.25
$1,377,637.82 535,877.99 $756,019.35 85,740.48 $ 30,012,094.90
$1,377,637.82 522,710.65 $771,293.46 83,633.70 $ 29,240,801.44
$1,377,637.82 509,277.29 $786,876.16 81,484.37 $ 28,453,925.28
$1,377,637.82 495,572.53 $802,773.68 79,291.61 $ 27,651,151.60
$1,377,637.82 481,590.89 $818,992.38 77,054.54 $ 26,832,159.22
$1,377,637.82 467,326.77 $835,538.76 74,772.28 $ 25,996,620.46
$1,377,637.82 452,774.47 $852,419.43 72,443.92 $ 25,144,201.03
$1,377,637.82 437,928.17 $869,641.14 70,068.51 $ 24,274,559.89
$1,377,637.82 422,781.92 $887,210.79 67,645.11 $ 23,387,349.09
$1,377,637.82 407,329.66 $905,135.41 65,172.75 $ 22,482,213.69
$1,377,637.82 391,565.22 $923,422.16 62,650.44 $ 21,558,791.53
$1,377,637.82 375,482.29 $942,078.37 60,077.17 $ 20,616,713.16
$1,377,637.82 359,074.42 $961,111.49 57,451.91 $ 19,655,601.67
$1,377,637.82 342,335.06 $980,529.14 54,773.61 $ 18,675,072.53
$1,377,637.82 325,257.51 $1,000,339.10 52,041.20 $ 17,674,733.43
$1,377,637.82 307,834.94 $1,020,549.29 49,253.59 $ 16,654,184.14
$1,377,637.82 290,060.37 $1,041,167.78 46,409.66 $ 15,613,016.35
$1,377,637.82 271,926.70 $1,062,202.84 43,508.27 $ 14,550,813.51
$1,377,637.82 253,426.67 $1,083,662.88 40,548.27 $ 13,467,150.63
$1,377,637.82 234,552.87 $1,105,556.48 37,528.46 $ 12,361,594.15
$1,377,637.82 215,297.76 $1,127,892.41 34,447.64 $ 11,233,701.74
$1,377,637.82 195,653.64 $1,150,679.60 31,304.58 $ 10,083,022.14
$1,377,637.82 175,612.64 $1,173,927.16 28,098.02 $ 8,909,094.98
$1,377,637.82 155,166.74 $1,197,644.40 24,826.68 $ 7,711,450.58
$1,377,637.82 134,307.76 $1,221,840.81 21,489.24 $ 6,489,609.77
$1,377,637.82 113,027.37 $1,246,526.07 18,084.38 $ 5,243,083.70
$1,377,637.82 91,317.04 $1,271,710.05 14,610.73 $ 3,971,373.65
$1,377,637.82 69,168.09 $1,297,402.83 11,066.89 $ 2,673,970.82
$1,377,637.82 46,571.66 $1,323,614.69 7,451.47 $ 1,350,356.12
$1,377,637.82 23,518.70 $1,350,356.12 3,762.99 $ 0.00
NOMBRES FABIAN DE JESÙS TAMAYO BONILLA
MATERIA NUESTRA ECONOMÌA Y FINANZAS

CONCLUSIONES:

para solicitar un prestamo hay varias formas de acceder a uno, debemos tener en cuenta la tasa de interès y cotizar con varias bancos realizando la simulaciòn de crèditos para identificar cual es màs favorable para nuestro bolsillo.

Es importante resaltar que a mayor riesgo mayor es la tasa de interes, actualmente en colombia la tasa de usura es de 27,53 % significa que es el tope maximo del cual las entidades financieras deben cobrar.

el porcentaje es un factor multiplicativo decimal, entre dos cantidades o conjunto, dicho porcentaje està presente en la tasa de interès la cual es importante para determinar el valor a pagar en un prèstamo, algo importante

se evidencia que los entidades financieras tienen varios requisitos y modalidades de credito, pero dichos creditos se manejan con interes compuesto, ya que los interes se capitalizan es decir cada vez el capital se incrementa con la suma del valor de
los intereses, a diferencia del interes simple el cual se aplica siempre sobre el capital inicial.

BIBLIOGRAFIA:
Tasa de Usura, Portafolio, febrero 2020. http://www.portafolio.co/economia/tasa-de-usura-en-colombia-entre-enero-y-marzo-de-2017-502500
http://recursostic.educacion.es/descartes/web/materiales_didacticos/porcentajes_eda05/indice.htm