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Ensayo-SFM-Producto Integrador de Aprendizaje#9
Ensayo-SFM-Producto Integrador de Aprendizaje#9
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INTRODUCCIÓ N
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SISTEMA FINANCIERO MEXICANO.
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poder ejecutivo federal y su función es el proponer, dirigir y controlar la política
económica del gobierno federal, dándole énfasis en diversos temas financieros,
fiscales, de gasto, de ingresos y de deuda pública, dicha secretaría tiene la
tarea de supervisar y debe de establecer los cálculos de los ingresos que
percibe la federación, regular y vigilar todas las actividades que se relacionen
con el mercado de valores para así tener un control del gasto que se genera.
Esto con el propósito de llevar a cabo un país con un crecimiento económico de
calidad, que sea equitativo y que fortalezca el bienestar de nosotros los
mexicanos. Las principales entidades que vigila la Secretaría de hacienda y
crédito público también conocida como hacienda son: CNBV, la CNSF,
Banxico, CONDUSEF, CONSAR.
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promover el desarrollo, resolver los problemas de acceso a los servicios
financieros y mejorar las condiciones de los mismos para aquellos sectores que
destacan por su contribución al crecimiento económico y al empleo: micro,
pequeñas y medianas empresas (MIPYMES), infraestructura pública, vivienda
para familias de bajos recursos, y el financiamiento a los productores rurales de
ingresos bajos y medios, todo esto mediante las instituciones. Actualmente
existen nueve las cuales son: Banco del Ahorro Nacional y Servicios
Financieros (BANSEFI), Nacional Financiera (NAFIN), Sociedad Hipotecaria
Federal (SHF), Banco Nacional de Comercio Exterior (BANCOMEXT), Banco
Nacional del Ejército, Fuerza Aérea y Armada (BANJERCITO), Financiera
Nacional de Desarrollo Agropecuario, Rural, Forestal y Pesquero (FND),
Fideicomisos Instituidos en Relación con la Agricultura (FIRA), Banco Nacional
de Obras y Servicios Públicos (BANOBRAS), Fondo de Capitalización e
Inversión del Sector Rural (FOCIR).
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También en cuestión de operaciones de crédito existen instituciones que
participan en la facilitación de sus operaciones y a la vez mejoran el
funcionamiento del sistema financiero. Tal es el caso de las organizaciones
auxiliares de crédito entre las que se encuentran las casas de cambio,
compañías de fianzas, cajas de ahorro, arrendadoras, uniones de crédito,
empresas de factorajes.
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ALTERNATIVA REAL DE FUENTE DE FINANCIAMIENTO A
CORTO PLAZO
Santander
Súper Crédito Negocio: Diseñado para el régimen de Pequeño Contribuyente
(REPECOS) que requiere capital de trabajo, pago a proveedores, compra de
materia prima, inventario, pago de servicios, etc.
Requisitos:
Tabla de Amortización
Capital Total $200,000 $33,020.00 $233,020.00
Numero de periodos 6 meses
Tipo de Interés 16.51%
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Ventajas
La ventaja de pedir prestado el dinero es que te permite mantener tu dinero en
efectivo a la mano para usar como capital de trabajo o para la supervivencia
personal durante un periodo de abajo en tu negocio. Además, si el negocio va
mal, puedes ser capaz de proteger tus bienes personales más importantes de
la declaración de quiebra.
Desventajas
Las desventajas son que, si tomas tus ahorros personales en un negocio,
puedes perder todo. Algunos activos, como cuentas de jubilación, están a salvo
de los acreedores y los tribunales de quiebra; colocar esos activos en riesgo
puede o ser bueno para ti, especialmente si estás cerca de la edad de
jubilación y te estás quedando sin tiempo para reconstruir las cuentas
agotadas.
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ALTERNATIVA REAL DE FUENTE DE FINANCIAMIENTO A
LARGO PLAZO
Citibanamex
Crédito Hipotecario Citibanamex l los clientes podrán tener acceso a una mayor
línea de crédito y comenzarán pagando menos comparado con un crédito
hipotecario con pagos fijos.
Tasa de interés anual fija de 9.65%, CAT PROMEDIO de 11.4% sin IVA si
cuentas con otro producto de Citibanamex desde hace 6 meses, la comisión
por apertura es 0%. La comisión por apertura es de 1.5%; por promoción podrá
ser menor. Vigencia al 31 de enero de 2020. La tasa y el enganche dependen
del producto elegido y el historial crediticio. La tasa de interés definitiva se
establecerá con base en el resultado del estudio de crédito, y te será informada
por tu asesor hipotecario. Para créditos de Adquisición menores a menores a
$1,500,000 y para créditos de Cambia tu Hipoteca menores a $ 1,000,000 la
tasa será desde 9.90%.
Requisitos:
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Citibanamex
TABLA DE AMORTIZACIÓN
1 $637,500.00 9.65% $5,126.56 $878.69 $6,005.25 $318.75 $191.25 $0.00 $6,515.25 $636,621.31
2 $636,621.31 9.65% $5,119.50 $885.75 $6,005.25 $318.31 $190.99 $0.00 $6,514.55 $635,735.56
3 $635,735.56 9.65% $5,112.37 $892.88 $6,005.25 $317.87 $190.72 $0.00 $6,513.84 $634,842.68
4 $634,842.68 9.65% $5,105.19 $900.06 $6,005.25 $317.42 $190.45 $0.00 $6,513.12 $633,942.63
5 $633,942.63 9.65% $5,097.96 $907.29 $6,005.25 $316.97 $190.18 $0.00 $6,512.40 $633,035.33
6 $633,035.33 9.65% $5,090.66 $914.59 $6,005.25 $316.52 $189.91 $0.00 $6,511.68 $632,120.74
7 $632,120.74 9.65% $5,083.30 $921.95 $6,005.25 $316.06 $189.64 $0.00 $6,510.95 $631,198.79
8 $631,198.79 9.65% $5,075.89 $929.36 $6,005.25 $315.60 $189.36 $0.00 $6,510.21 $630,269.43
9 $630,269.43 9.65% $5,068.42 $936.83 $6,005.25 $315.13 $189.08 $0.00 $6,509.47 $629,332.60
10 $629,332.60 9.65% $5,060.88 $944.37 $6,005.25 $314.67 $188.80 $0.00 $6,508.72 $628,388.23
11 $628,388.23 9.65% $5,053.29 $951.96 $6,005.25 $314.19 $188.52 $0.00 $6,507.96 $627,436.27
12 $627,436.27 9.65% $5,045.63 $959.62 $6,005.25 $313.72 $188.23 $0.00 $6,507.20 $626,476.66
13 $626,476.66 9.65% $5,037.92 $967.33 $6,005.25 $313.24 $187.94 $0.00 $6,506.43 $625,509.32
14 $625,509.32 9.65% $5,030.14 $975.11 $6,005.25 $312.75 $187.65 $0.00 $6,505.66 $624,534.21
15 $624,534.21 9.65% $5,022.30 $982.95 $6,005.25 $312.27 $187.36 $0.00 $6,504.88 $623,551.26
16 $623,551.26 9.65% $5,014.39 $990.86 $6,005.25 $311.78 $187.07 $0.00 $6,504.09 $622,560.40
17 $622,560.40 9.65% $5,006.42 $998.83 $6,005.25 $311.28 $186.77 $0.00 $6,503.30 $621,561.57
18 $621,561.57 9.65% $4,998.39 $1,006.86 $6,005.25 $310.78 $186.47 $0.00 $6,502.50 $620,554.71
19 $620,554.71 9.65% $4,990.29 $1,014.96 $6,005.25 $310.28 $186.17 $0.00 $6,501.69 $619,539.76
20 $619,539.76 9.65% $4,982.13 $1,023.12 $6,005.25 $309.77 $185.86 $0.00 $6,500.88 $618,516.64
21 $618,516.64 9.65% $4,973.90 $1,031.35 $6,005.25 $309.26 $185.55 $0.00 $6,500.06 $617,485.29
22 $617,485.29 9.65% $4,965.61 $1,039.64 $6,005.25 $308.74 $185.25 $0.00 $6,499.24 $616,445.65
23 $616,445.65 9.65% $4,957.25 $1,048.00 $6,005.25 $308.22 $184.93 $0.00 $6,498.41 $615,397.65
24 $615,397.65 9.65% $4,948.82 $1,056.43 $6,005.25 $307.70 $184.62 $0.00 $6,497.57 $614,341.23
25 $614,341.23 9.65% $4,940.33 $1,064.92 $6,005.25 $307.17 $184.30 $0.00 $6,496.72 $613,276.30
26 $613,276.30 9.65% $4,931.76 $1,073.49 $6,005.25 $306.64 $183.98 $0.00 $6,495.87 $612,202.82
27 $612,202.82 9.65% $4,923.13 $1,082.12 $6,005.25 $306.10 $183.66 $0.00 $6,495.01 $611,120.70
28 $611,120.70 9.65% $4,914.43 $1,090.82 $6,005.25 $305.56 $183.34 $0.00 $6,494.15 $610,029.88
29 $610,029.88 9.65% $4,905.66 $1,099.59 $6,005.25 $305.01 $183.01 $0.00 $6,493.27 $608,930.28
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30 $608,930.28 9.65% $4,896.81 $1,108.44 $6,005.25 $304.47 $182.68 $0.00 $6,492.39 $607,821.85
31 $607,821.85 9.65% $4,887.90 $1,117.35 $6,005.25 $303.91 $182.35 $0.00 $6,491.51 $606,704.50
32 $606,704.50 9.65% $4,878.92 $1,126.33 $6,005.25 $303.35 $182.01 $0.00 $6,490.61 $605,578.17
33 $605,578.17 9.65% $4,869.86 $1,135.39 $6,005.25 $302.79 $181.67 $0.00 $6,489.71 $604,442.77
34 $604,442.77 9.65% $4,860.73 $1,144.52 $6,005.25 $302.22 $181.33 $0.00 $6,488.80 $603,298.25
35 $603,298.25 9.65% $4,851.52 $1,153.73 $6,005.25 $301.65 $180.99 $0.00 $6,487.89 $602,144.52
36 $602,144.52 9.65% $4,842.25 $1,163.00 $6,005.25 $301.07 $180.64 $0.00 $6,486.97 $600,981.52
37 $600,981.52 9.65% $4,832.89 $1,172.36 $6,005.25 $300.49 $180.29 $0.00 $6,486.04 $599,809.16
38 $599,809.16 9.65% $4,823.47 $1,181.78 $6,005.25 $299.90 $180.00 $0.00 $6,485.15 $598,627.38
39 $598,627.38 9.65% $4,813.96 $1,191.29 $6,005.25 $299.31 $180.00 $0.00 $6,484.56 $597,436.09
40 $597,436.09 9.65% $4,804.38 $1,200.87 $6,005.25 $298.72 $180.00 $0.00 $6,483.97 $596,235.22
41 $596,235.22 9.65% $4,794.72 $1,210.53 $6,005.25 $298.12 $180.00 $0.00 $6,483.37 $595,024.70
42 $595,024.70 9.65% $4,784.99 $1,220.26 $6,005.25 $297.51 $180.00 $0.00 $6,482.76 $593,804.44
43 $593,804.44 9.65% $4,775.18 $1,230.07 $6,005.25 $296.90 $180.00 $0.00 $6,482.15 $592,574.36
44 $592,574.36 9.65% $4,765.29 $1,239.96 $6,005.25 $296.29 $180.00 $0.00 $6,481.54 $591,334.40
45 $591,334.40 9.65% $4,755.31 $1,249.94 $6,005.25 $295.67 $180.00 $0.00 $6,480.92 $590,084.46
46 $590,084.46 9.65% $4,745.26 $1,259.99 $6,005.25 $295.04 $180.00 $0.00 $6,480.29 $588,824.48
47 $588,824.48 9.65% $4,735.13 $1,270.12 $6,005.25 $294.41 $180.00 $0.00 $6,479.66 $587,554.36
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48 $587,554.36 9.65% $4,724.92 $1,280.33 $6,005.25 $293.78 $180.00 $0.00 $6,479.03 $586,274.02
49 $586,274.02 9.65% $4,714.62 $1,290.63 $6,005.25 $293.14 $180.00 $0.00 $6,478.39 $584,983.39
50 $584,983.39 9.65% $4,704.24 $1,301.01 $6,005.25 $292.49 $180.00 $0.00 $6,477.74 $583,682.38
51 $583,682.38 9.65% $4,693.78 $1,311.47 $6,005.25 $291.84 $180.00 $0.00 $6,477.09 $582,370.91
52 $582,370.91 9.65% $4,683.23 $1,322.02 $6,005.25 $291.19 $180.00 $0.00 $6,476.44 $581,048.90
53 $581,048.90 9.65% $4,672.60 $1,332.65 $6,005.25 $290.52 $180.00 $0.00 $6,475.77 $579,716.25
54 $579,716.25 9.65% $4,661.88 $1,343.37 $6,005.25 $289.86 $180.00 $0.00 $6,475.11 $578,372.88
55 $578,372.88 9.65% $4,651.08 $1,354.17 $6,005.25 $289.19 $180.00 $0.00 $6,474.44 $577,018.71
56 $577,018.71 9.65% $4,640.19 $1,365.06 $6,005.25 $288.51 $180.00 $0.00 $6,473.76 $575,653.66
57 $575,653.66 9.65% $4,629.21 $1,376.04 $6,005.25 $287.83 $180.00 $0.00 $6,473.08 $574,277.62
58 $574,277.62 9.65% $4,618.15 $1,387.10 $6,005.25 $287.14 $180.00 $0.00 $6,472.39 $572,890.52
59 $572,890.52 9.65% $4,606.99 $1,398.26 $6,005.25 $286.45 $180.00 $0.00 $6,471.70 $571,492.27
60 $571,492.27 9.65% $4,595.75 $1,409.50 $6,005.25 $285.75 $180.00 $0.00 $6,471.00 $570,082.77
61 $570,082.77 9.65% $4,584.42 $1,420.83 $6,005.25 $285.04 $180.00 $0.00 $6,470.29 $568,661.93
62 $568,661.93 9.65% $4,572.99 $1,432.26 $6,005.25 $284.33 $180.00 $0.00 $6,469.58 $567,229.67
63 $567,229.67 9.65% $4,561.47 $1,443.78 $6,005.25 $283.61 $180.00 $0.00 $6,468.86 $565,785.89
64 $565,785.89 9.65% $4,549.86 $1,455.39 $6,005.25 $282.89 $180.00 $0.00 $6,468.14 $564,330.50
65 $564,330.50 9.65% $4,538.16 $1,467.09 $6,005.25 $282.17 $180.00 $0.00 $6,467.42 $562,863.41
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66 $562,863.41 9.65% $4,526.36 $1,478.89 $6,005.25 $281.43 $180.00 $0.00 $6,466.68 $561,384.52
67 $561,384.52 9.65% $4,514.47 $1,490.78 $6,005.25 $280.69 $180.00 $0.00 $6,465.94 $559,893.74
68 $559,893.74 9.65% $4,502.48 $1,502.77 $6,005.25 $279.95 $180.00 $0.00 $6,465.20 $558,390.97
69 $558,390.97 9.65% $4,490.39 $1,514.86 $6,005.25 $279.20 $180.00 $0.00 $6,464.45 $556,876.11
70 $556,876.11 9.65% $4,478.21 $1,527.04 $6,005.25 $278.44 $180.00 $0.00 $6,463.69 $555,349.07
71 $555,349.07 9.65% $4,465.93 $1,539.32 $6,005.25 $277.67 $180.00 $0.00 $6,462.92 $553,809.76
72 $553,809.76 9.65% $4,453.55 $1,551.70 $6,005.25 $276.90 $180.00 $0.00 $6,462.15 $552,258.06
73 $552,258.06 9.65% $4,441.08 $1,564.17 $6,005.25 $276.13 $180.00 $0.00 $6,461.38 $550,693.88
74 $550,693.88 9.65% $4,428.50 $1,576.75 $6,005.25 $275.35 $180.00 $0.00 $6,460.60 $549,117.13
75 $549,117.13 9.65% $4,415.82 $1,589.43 $6,005.25 $274.56 $180.00 $0.00 $6,459.81 $547,527.70
76 $547,527.70 9.65% $4,403.04 $1,602.21 $6,005.25 $273.76 $180.00 $0.00 $6,459.01 $545,925.48
77 $545,925.48 9.65% $4,390.15 $1,615.10 $6,005.25 $272.96 $180.00 $0.00 $6,458.21 $544,310.38
78 $544,310.38 9.65% $4,377.16 $1,628.09 $6,005.25 $272.16 $180.00 $0.00 $6,457.41 $542,682.30
79 $542,682.30 9.65% $4,364.07 $1,641.18 $6,005.25 $271.34 $180.00 $0.00 $6,456.59 $541,041.12
80 $541,041.12 9.65% $4,350.87 $1,654.38 $6,005.25 $270.52 $180.00 $0.00 $6,455.77 $539,386.74
81 $539,386.74 9.65% $4,337.57 $1,667.68 $6,005.25 $269.69 $180.00 $0.00 $6,454.94 $537,719.06
82 $537,719.06 9.65% $4,324.16 $1,681.09 $6,005.25 $268.86 $180.00 $0.00 $6,454.11 $536,037.97
83 $536,037.97 9.65% $4,310.64 $1,694.61 $6,005.25 $268.02 $180.00 $0.00 $6,453.27 $534,343.35
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84 $534,343.35 9.65% $4,297.01 $1,708.24 $6,005.25 $267.17 $180.00 $0.00 $6,452.42 $532,635.12
85 $532,635.12 9.65% $4,283.27 $1,721.98 $6,005.25 $266.32 $180.00 $0.00 $6,451.57 $530,913.14
86 $530,913.14 9.65% $4,269.43 $1,735.82 $6,005.25 $265.46 $180.00 $0.00 $6,450.71 $529,177.32
87 $529,177.32 9.65% $4,255.47 $1,749.78 $6,005.25 $264.59 $180.00 $0.00 $6,449.84 $527,427.53
88 $527,427.53 9.65% $4,241.40 $1,763.85 $6,005.25 $263.71 $180.00 $0.00 $6,448.96 $525,663.68
89 $525,663.68 9.65% $4,227.21 $1,778.04 $6,005.25 $262.83 $180.00 $0.00 $6,448.08 $523,885.64
90 $523,885.64 9.65% $4,212.91 $1,792.34 $6,005.25 $261.94 $180.00 $0.00 $6,447.19 $522,093.31
91 $522,093.31 9.65% $4,198.50 $1,806.75 $6,005.25 $261.05 $180.00 $0.00 $6,446.30 $520,286.56
92 $520,286.56 9.65% $4,183.97 $1,821.28 $6,005.25 $260.14 $180.00 $0.00 $6,445.39 $518,465.28
93 $518,465.28 9.65% $4,169.32 $1,835.93 $6,005.25 $259.23 $180.00 $0.00 $6,444.48 $516,629.35
94 $516,629.35 9.65% $4,154.56 $1,850.69 $6,005.25 $258.31 $180.00 $0.00 $6,443.56 $514,778.66
95 $514,778.66 9.65% $4,139.68 $1,865.57 $6,005.25 $257.39 $180.00 $0.00 $6,442.64 $512,913.09
96 $512,913.09 9.65% $4,124.68 $1,880.57 $6,005.25 $256.46 $180.00 $0.00 $6,441.71 $511,032.52
97 $511,032.52 9.65% $4,109.55 $1,895.70 $6,005.25 $255.52 $180.00 $0.00 $6,440.77 $509,136.82
98 $509,136.82 9.65% $4,094.31 $1,910.94 $6,005.25 $254.57 $180.00 $0.00 $6,439.82 $507,225.88
99 $507,225.88 9.65% $4,078.94 $1,926.31 $6,005.25 $253.61 $180.00 $0.00 $6,438.86 $505,299.57
100 $505,299.57 9.65% $4,063.45 $1,941.80 $6,005.25 $252.65 $180.00 $0.00 $6,437.90 $503,357.77
101 $503,357.77 9.65% $4,047.84 $1,957.41 $6,005.25 $251.68 $180.00 $0.00 $6,436.93 $501,400.36
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102 $501,400.36 9.65% $4,032.09 $1,973.16 $6,005.25 $250.70 $180.00 $0.00 $6,435.95 $499,427.20
103 $499,427.20 9.65% $4,016.23 $1,989.02 $6,005.25 $249.71 $180.00 $0.00 $6,434.96 $497,438.18
104 $497,438.18 9.65% $4,000.23 $2,005.02 $6,005.25 $248.72 $180.00 $0.00 $6,433.97 $495,433.16
105 $495,433.16 9.65% $3,984.11 $2,021.14 $6,005.25 $247.72 $180.00 $0.00 $6,432.97 $493,412.02
106 $493,412.02 9.65% $3,967.85 $2,037.40 $6,005.25 $246.71 $180.00 $0.00 $6,431.96 $491,374.62
107 $491,374.62 9.65% $3,951.47 $2,053.78 $6,005.25 $245.69 $180.00 $0.00 $6,430.94 $489,320.84
108 $489,320.84 9.65% $3,934.96 $2,070.29 $6,005.25 $244.66 $180.00 $0.00 $6,429.91 $487,250.55
109 $487,250.55 9.65% $3,918.31 $2,086.94 $6,005.25 $243.63 $180.00 $0.00 $6,428.88 $485,163.61
110 $485,163.61 9.65% $3,901.52 $2,103.73 $6,005.25 $242.58 $180.00 $0.00 $6,427.83 $483,059.88
111 $483,059.88 9.65% $3,884.61 $2,120.64 $6,005.25 $241.53 $180.00 $0.00 $6,426.78 $480,939.24
112 $480,939.24 9.65% $3,867.55 $2,137.70 $6,005.25 $240.47 $180.00 $0.00 $6,425.72 $478,801.54
113 $478,801.54 9.65% $3,850.36 $2,154.89 $6,005.25 $239.40 $180.00 $0.00 $6,424.65 $476,646.65
114 $476,646.65 9.65% $3,833.03 $2,172.22 $6,005.25 $238.32 $180.00 $0.00 $6,423.57 $474,474.44
115 $474,474.44 9.65% $3,815.57 $2,189.68 $6,005.25 $237.24 $180.00 $0.00 $6,422.49 $472,284.75
116 $472,284.75 9.65% $3,797.96 $2,207.29 $6,005.25 $236.14 $180.00 $0.00 $6,421.39 $470,077.46
117 $470,077.46 9.65% $3,780.21 $2,225.04 $6,005.25 $235.04 $180.00 $0.00 $6,420.29 $467,852.41
118 $467,852.41 9.65% $3,762.31 $2,242.94 $6,005.25 $233.93 $180.00 $0.00 $6,419.18 $465,609.48
119 $465,609.48 9.65% $3,744.28 $2,260.97 $6,005.25 $232.80 $180.00 $0.00 $6,418.05 $463,348.50
6
120 $463,348.50 9.65% $3,726.09 $2,279.16 $6,005.25 $231.67 $180.00 $0.00 $6,416.92 $461,069.35
121 $461,069.35 9.65% $3,707.77 $2,297.48 $6,005.25 $230.53 $180.00 $0.00 $6,415.78 $458,771.86
122 $458,771.86 9.65% $3,689.29 $2,315.96 $6,005.25 $229.39 $180.00 $0.00 $6,414.64 $456,455.90
123 $456,455.90 9.65% $3,670.67 $2,334.58 $6,005.25 $228.23 $180.00 $0.00 $6,413.48 $454,121.32
124 $454,121.32 9.65% $3,651.89 $2,353.36 $6,005.25 $227.06 $180.00 $0.00 $6,412.31 $451,767.96
125 $451,767.96 9.65% $3,632.97 $2,372.28 $6,005.25 $225.88 $180.00 $0.00 $6,411.13 $449,395.68
126 $449,395.68 9.65% $3,613.89 $2,391.36 $6,005.25 $224.70 $180.00 $0.00 $6,409.95 $447,004.32
127 $447,004.32 9.65% $3,594.66 $2,410.59 $6,005.25 $223.50 $180.00 $0.00 $6,408.75 $444,593.73
128 $444,593.73 9.65% $3,575.27 $2,429.98 $6,005.25 $222.30 $180.00 $0.00 $6,407.55 $442,163.75
129 $442,163.75 9.65% $3,555.73 $2,449.52 $6,005.25 $221.08 $180.00 $0.00 $6,406.33 $439,714.24
130 $439,714.24 9.65% $3,536.04 $2,469.21 $6,005.25 $219.86 $180.00 $0.00 $6,405.11 $437,245.02
131 $437,245.02 9.65% $3,516.18 $2,489.07 $6,005.25 $218.62 $180.00 $0.00 $6,403.87 $434,755.95
132 $434,755.95 9.65% $3,496.16 $2,509.09 $6,005.25 $217.38 $180.00 $0.00 $6,402.63 $432,246.86
133 $432,246.86 9.65% $3,475.99 $2,529.26 $6,005.25 $216.12 $180.00 $0.00 $6,401.37 $429,717.60
134 $429,717.60 9.65% $3,455.65 $2,549.60 $6,005.25 $214.86 $180.00 $0.00 $6,400.11 $427,168.00
135 $427,168.00 9.65% $3,435.14 $2,570.11 $6,005.25 $213.58 $180.00 $0.00 $6,398.83 $424,597.89
136 $424,597.89 9.65% $3,414.47 $2,590.78 $6,005.25 $212.30 $180.00 $0.00 $6,397.55 $422,007.11
137 $422,007.11 9.65% $3,393.64 $2,611.61 $6,005.25 $211.00 $180.00 $0.00 $6,396.25 $419,395.50
7
138 $419,395.50 9.65% $3,372.64 $2,632.61 $6,005.25 $209.70 $180.00 $0.00 $6,394.95 $416,762.89
139 $416,762.89 9.65% $3,351.47 $2,653.78 $6,005.25 $208.38 $180.00 $0.00 $6,393.63 $414,109.11
140 $414,109.11 9.65% $3,330.13 $2,675.12 $6,005.25 $207.05 $180.00 $0.00 $6,392.30 $411,433.99
141 $411,433.99 9.65% $3,308.61 $2,696.64 $6,005.25 $205.72 $180.00 $0.00 $6,390.97 $408,737.35
142 $408,737.35 9.65% $3,286.93 $2,718.32 $6,005.25 $204.37 $180.00 $0.00 $6,389.62 $406,019.03
143 $406,019.03 9.65% $3,265.07 $2,740.18 $6,005.25 $203.01 $180.00 $0.00 $6,388.26 $403,278.85
144 $403,278.85 9.65% $3,243.03 $2,762.22 $6,005.25 $201.64 $180.00 $0.00 $6,386.89 $400,516.64
145 $400,516.64 9.65% $3,220.82 $2,784.43 $6,005.25 $200.26 $180.00 $0.00 $6,385.51 $397,732.21
146 $397,732.21 9.65% $3,198.43 $2,806.82 $6,005.25 $198.87 $180.00 $0.00 $6,384.12 $394,925.39
147 $394,925.39 9.65% $3,175.86 $2,829.39 $6,005.25 $197.46 $180.00 $0.00 $6,382.71 $392,096.00
148 $392,096.00 9.65% $3,153.11 $2,852.14 $6,005.25 $196.05 $180.00 $0.00 $6,381.30 $389,243.85
149 $389,243.85 9.65% $3,130.17 $2,875.08 $6,005.25 $194.62 $180.00 $0.00 $6,379.87 $386,368.77
150 $386,368.77 9.65% $3,107.05 $2,898.20 $6,005.25 $193.18 $180.00 $0.00 $6,378.43 $383,470.57
151 $383,470.57 9.65% $3,083.74 $2,921.51 $6,005.25 $191.74 $180.00 $0.00 $6,376.99 $380,549.06
152 $380,549.06 9.65% $3,060.25 $2,945.00 $6,005.25 $190.27 $180.00 $0.00 $6,375.52 $377,604.06
153 $377,604.06 9.65% $3,036.57 $2,968.68 $6,005.25 $188.80 $180.00 $0.00 $6,374.05 $374,635.38
154 $374,635.38 9.65% $3,012.69 $2,992.56 $6,005.25 $187.32 $180.00 $0.00 $6,372.57 $371,642.82
155 $371,642.82 9.65% $2,988.63 $3,016.62 $6,005.25 $185.82 $180.00 $0.00 $6,371.07 $368,626.20
8
156 $368,626.20 9.65% $2,964.37 $3,040.88 $6,005.25 $184.31 $180.00 $0.00 $6,369.56 $365,585.32
157 $365,585.32 9.65% $2,939.92 $3,065.33 $6,005.25 $182.79 $180.00 $0.00 $6,368.04 $362,519.98
158 $362,519.98 9.65% $2,915.26 $3,089.99 $6,005.25 $181.26 $180.00 $0.00 $6,366.51 $359,430.00
159 $359,430.00 9.65% $2,890.42 $3,114.83 $6,005.25 $179.71 $180.00 $0.00 $6,364.96 $356,315.16
160 $356,315.16 9.65% $2,865.37 $3,139.88 $6,005.25 $178.16 $180.00 $0.00 $6,363.41 $353,175.28
161 $353,175.28 9.65% $2,840.12 $3,165.13 $6,005.25 $176.59 $180.00 $0.00 $6,361.84 $350,010.15
162 $350,010.15 9.65% $2,814.66 $3,190.59 $6,005.25 $175.01 $180.00 $0.00 $6,360.26 $346,819.56
163 $346,819.56 9.65% $2,789.01 $3,216.24 $6,005.25 $173.41 $180.00 $0.00 $6,358.66 $343,603.32
164 $343,603.32 9.65% $2,763.14 $3,242.11 $6,005.25 $171.80 $180.00 $0.00 $6,357.05 $340,361.21
165 $340,361.21 9.65% $2,737.07 $3,268.18 $6,005.25 $170.18 $180.00 $0.00 $6,355.43 $337,093.03
166 $337,093.03 9.65% $2,710.79 $3,294.46 $6,005.25 $168.55 $180.00 $0.00 $6,353.80 $333,798.57
167 $333,798.57 9.65% $2,684.30 $3,320.95 $6,005.25 $166.90 $180.00 $0.00 $6,352.15 $330,477.62
168 $330,477.62 9.65% $2,657.59 $3,347.66 $6,005.25 $165.24 $180.00 $0.00 $6,350.49 $327,129.96
169 $327,129.96 9.65% $2,630.67 $3,374.58 $6,005.25 $163.56 $180.00 $0.00 $6,348.81 $323,755.38
170 $323,755.38 9.65% $2,603.53 $3,401.72 $6,005.25 $161.88 $180.00 $0.00 $6,347.13 $320,353.66
171 $320,353.66 9.65% $2,576.18 $3,429.07 $6,005.25 $160.18 $180.00 $0.00 $6,345.43 $316,924.59
172 $316,924.59 9.65% $2,548.60 $3,456.65 $6,005.25 $158.46 $180.00 $0.00 $6,343.71 $313,467.94
173 $313,467.94 9.65% $2,520.80 $3,484.45 $6,005.25 $156.73 $180.00 $0.00 $6,341.98 $309,983.50
9
174 $309,983.50 9.65% $2,492.78 $3,512.47 $6,005.25 $154.99 $180.00 $0.00 $6,340.24 $306,471.03
175 $306,471.03 9.65% $2,464.54 $3,540.71 $6,005.25 $153.24 $180.00 $0.00 $6,338.49 $302,930.32
176 $302,930.32 9.65% $2,436.06 $3,569.19 $6,005.25 $151.47 $180.00 $0.00 $6,336.72 $299,361.14
177 $299,361.14 9.65% $2,407.36 $3,597.89 $6,005.25 $149.68 $180.00 $0.00 $6,334.93 $295,763.25
178 $295,763.25 9.65% $2,378.43 $3,626.82 $6,005.25 $147.88 $180.00 $0.00 $6,333.13 $292,136.43
179 $292,136.43 9.65% $2,349.26 $3,655.99 $6,005.25 $146.07 $180.00 $0.00 $6,331.32 $288,480.44
180 $288,480.44 9.65% $2,319.86 $3,685.39 $6,005.25 $144.24 $180.00 $0.00 $6,329.49 $284,795.05
181 $284,795.05 9.65% $2,290.23 $3,715.02 $6,005.25 $142.40 $180.00 $0.00 $6,327.65 $281,080.03
182 $281,080.03 9.65% $2,260.35 $3,744.90 $6,005.25 $140.54 $180.00 $0.00 $6,325.79 $277,335.13
183 $277,335.13 9.65% $2,230.24 $3,775.01 $6,005.25 $138.67 $180.00 $0.00 $6,323.92 $273,560.12
184 $273,560.12 9.65% $2,199.88 $3,805.37 $6,005.25 $136.78 $180.00 $0.00 $6,322.03 $269,754.75
185 $269,754.75 9.65% $2,169.28 $3,835.97 $6,005.25 $134.88 $180.00 $0.00 $6,320.13 $265,918.78
186 $265,918.78 9.65% $2,138.43 $3,866.82 $6,005.25 $132.96 $180.00 $0.00 $6,318.21 $262,051.96
187 $262,051.96 9.65% $2,107.33 $3,897.92 $6,005.25 $131.03 $180.00 $0.00 $6,316.28 $258,154.04
188 $258,154.04 9.65% $2,075.99 $3,929.26 $6,005.25 $129.08 $180.00 $0.00 $6,314.33 $254,224.78
189 $254,224.78 9.65% $2,044.39 $3,960.86 $6,005.25 $127.11 $180.00 $0.00 $6,312.36 $250,263.92
190 $250,263.92 9.65% $2,012.54 $3,992.71 $6,005.25 $125.13 $180.00 $0.00 $6,310.38 $246,271.21
191 $246,271.21 9.65% $1,980.43 $4,024.82 $6,005.25 $123.14 $180.00 $0.00 $6,308.39 $242,246.39
10
192 $242,246.39 9.65% $1,948.06 $4,057.19 $6,005.25 $121.12 $180.00 $0.00 $6,306.37 $238,189.21
193 $238,189.21 9.65% $1,915.44 $4,089.81 $6,005.25 $119.09 $180.00 $0.00 $6,304.34 $234,099.39
194 $234,099.39 9.65% $1,882.55 $4,122.70 $6,005.25 $117.05 $180.00 $0.00 $6,302.30 $229,976.69
195 $229,976.69 9.65% $1,849.40 $4,155.85 $6,005.25 $114.99 $180.00 $0.00 $6,300.24 $225,820.84
196 $225,820.84 9.65% $1,815.98 $4,189.27 $6,005.25 $112.91 $180.00 $0.00 $6,298.16 $221,631.57
197 $221,631.57 9.65% $1,782.29 $4,222.96 $6,005.25 $110.82 $180.00 $0.00 $6,296.07 $217,408.60
198 $217,408.60 9.65% $1,748.33 $4,256.92 $6,005.25 $108.70 $180.00 $0.00 $6,293.95 $213,151.68
199 $213,151.68 9.65% $1,714.09 $4,291.16 $6,005.25 $106.58 $180.00 $0.00 $6,291.83 $208,860.52
200 $208,860.52 9.65% $1,679.59 $4,325.66 $6,005.25 $104.43 $180.00 $0.00 $6,289.68 $204,534.86
201 $204,534.86 9.65% $1,644.80 $4,360.45 $6,005.25 $102.27 $180.00 $0.00 $6,287.52 $200,174.41
202 $200,174.41 9.65% $1,609.74 $4,395.51 $6,005.25 $100.09 $180.00 $0.00 $6,285.34 $195,778.90
203 $195,778.90 9.65% $1,574.39 $4,430.86 $6,005.25 $97.89 $180.00 $0.00 $6,283.14 $191,348.04
204 $191,348.04 9.65% $1,538.76 $4,466.49 $6,005.25 $95.67 $180.00 $0.00 $6,280.92 $186,881.54
205 $186,881.54 9.65% $1,502.84 $4,502.41 $6,005.25 $93.44 $180.00 $0.00 $6,278.69 $182,379.13
206 $182,379.13 9.65% $1,466.63 $4,538.62 $6,005.25 $91.19 $180.00 $0.00 $6,276.44 $177,840.52
207 $177,840.52 9.65% $1,430.13 $4,575.12 $6,005.25 $88.92 $180.00 $0.00 $6,274.17 $173,265.40
208 $173,265.40 9.65% $1,393.34 $4,611.91 $6,005.25 $86.63 $180.00 $0.00 $6,271.88 $168,653.49
209 $168,653.49 9.65% $1,356.26 $4,648.99 $6,005.25 $84.33 $180.00 $0.00 $6,269.58 $164,004.50
11
210 $164,004.50 9.65% $1,318.87 $4,686.38 $6,005.25 $82.00 $180.00 $0.00 $6,267.25 $159,318.12
211 $159,318.12 9.65% $1,281.18 $4,724.07 $6,005.25 $79.66 $180.00 $0.00 $6,264.91 $154,594.05
212 $154,594.05 9.65% $1,243.19 $4,762.06 $6,005.25 $77.30 $180.00 $0.00 $6,262.55 $149,831.99
213 $149,831.99 9.65% $1,204.90 $4,800.35 $6,005.25 $74.92 $180.00 $0.00 $6,260.17 $145,031.64
214 $145,031.64 9.65% $1,166.30 $4,838.95 $6,005.25 $72.52 $180.00 $0.00 $6,257.77 $140,192.69
215 $140,192.69 9.65% $1,127.38 $4,877.87 $6,005.25 $70.10 $180.00 $0.00 $6,255.35 $135,314.82
216 $135,314.82 9.65% $1,088.16 $4,917.09 $6,005.25 $67.66 $180.00 $0.00 $6,252.91 $130,397.73
217 $130,397.73 9.65% $1,048.62 $4,956.63 $6,005.25 $65.20 $180.00 $0.00 $6,250.45 $125,441.09
218 $125,441.09 9.65% $1,008.76 $4,996.49 $6,005.25 $62.72 $180.00 $0.00 $6,247.97 $120,444.60
219 $120,444.60 9.65% $968.58 $5,036.67 $6,005.25 $60.22 $180.00 $0.00 $6,245.47 $115,407.92
220 $115,407.92 9.65% $928.07 $5,077.18 $6,005.25 $57.70 $180.00 $0.00 $6,242.95 $110,330.75
221 $110,330.75 9.65% $887.24 $5,118.01 $6,005.25 $55.17 $180.00 $0.00 $6,240.42 $105,212.74
222 $105,212.74 9.65% $846.09 $5,159.16 $6,005.25 $52.61 $180.00 $0.00 $6,237.86 $100,053.58
223 $100,053.58 9.65% $804.60 $5,200.65 $6,005.25 $50.03 $180.00 $0.00 $6,235.28 $94,852.92
224 $94,852.92 9.65% $762.78 $5,242.47 $6,005.25 $47.43 $180.00 $0.00 $6,232.68 $89,610.45
225 $89,610.45 9.65% $720.62 $5,284.63 $6,005.25 $44.81 $180.00 $0.00 $6,230.06 $84,325.82
226 $84,325.82 9.65% $678.12 $5,327.13 $6,005.25 $42.16 $180.00 $0.00 $6,227.41 $78,998.69
227 $78,998.69 9.65% $635.28 $5,369.97 $6,005.25 $39.50 $180.00 $0.00 $6,224.75 $73,628.72
12
228 $73,628.72 9.65% $592.10 $5,413.15 $6,005.25 $36.81 $180.00 $0.00 $6,222.06 $68,215.56
229 $68,215.56 9.65% $548.57 $5,456.68 $6,005.25 $34.11 $180.00 $0.00 $6,219.36 $62,758.88
230 $62,758.88 9.65% $504.69 $5,500.56 $6,005.25 $31.38 $180.00 $0.00 $6,216.63 $57,258.32
231 $57,258.32 9.65% $460.45 $5,544.80 $6,005.25 $28.63 $180.00 $0.00 $6,213.88 $51,713.52
232 $51,713.52 9.65% $415.86 $5,589.39 $6,005.25 $25.86 $180.00 $0.00 $6,211.11 $46,124.13
233 $46,124.13 9.65% $370.91 $5,634.34 $6,005.25 $23.06 $180.00 $0.00 $6,208.31 $40,489.80
234 $40,489.80 9.65% $325.61 $5,679.64 $6,005.25 $20.24 $180.00 $0.00 $6,205.49 $34,810.15
235 $34,810.15 9.65% $279.93 $5,725.32 $6,005.25 $17.41 $180.00 $0.00 $6,202.66 $29,084.84
236 $29,084.84 9.65% $233.89 $5,771.36 $6,005.25 $14.54 $180.00 $0.00 $6,199.79 $23,313.48
237 $23,313.48 9.65% $187.48 $5,817.77 $6,005.25 $11.66 $180.00 $0.00 $6,196.91 $17,495.70
238 $17,495.70 9.65% $140.69 $5,864.56 $6,005.25 $8.75 $180.00 $0.00 $6,194.00 $11,631.15
239 $11,631.15 9.65% $93.53 $5,911.72 $6,005.25 $5.82 $180.00 $0.00 $6,191.07 $5,719.43
240 $5,719.43 9.65% $45.99 $5,719.43 $5,765.43 $2.86 $180.00 $0.00 $5,719.43 $0.00
13
Ventajas
Desventajas
Como desventaja considero que puede ser el hecho de estar pagando dicho
crédito hipotecario a un largo plazo puesto que aumenta mucho, ya que se van
generando los intereses acumulados, Y de alguna u otra forma terminas
pagando un poco más de lo que habías planteado, muchas veces conviene por
el tipo de promoción que manejan las diversas instituciones, se tienen que
realizar bien la estructura de cómo es que se va a realizar cada pago dentro de
cada mes o periodo, para que así no nos encontremos con algún
inconveniente.
Capital
Periodo Intereses Amortización Cuota Pendiente
1 15,200.00 $66,666.67 81,866.67 $163,733.33
2 15,200.00 $66,666.67 81,866.67 $81,866.67
3 15,200.00 $66,666.67 81,866.67 $0.00
Capital
Periodo Intereses Amortización Cuota Pendiente
1 $506.67 $2,222.22 $2,728.89 $242,871.11
2 $506.67 $2,222.22 $2,728.89 $240,142.22
3 $506.67 $2,222.22 $2,728.89 $237,413.33
4 $506.67 $2,222.22 $2,728.89 $234,684.44
5 $506.67 $2,222.22 $2,728.89 $231,955.56
6 $506.67 $2,222.22 $2,728.89 $229,226.67
7 $506.67 $2,222.22 $2,728.89 $226,497.78
8 $506.67 $2,222.22 $2,728.89 $223,768.89
9 $506.67 $2,222.22 $2,728.89 $221,040.00
10 $506.67 $2,222.22 $2,728.89 $218,311.11
11 $506.67 $2,222.22 $2,728.89 $215,582.22
12 $506.67 $2,222.22 $2,728.89 $212,853.33
13 $506.67 $2,222.22 $2,728.89 $210,124.44
14 $506.67 $2,222.22 $2,728.89 $207,395.56
15 $506.67 $2,222.22 $2,728.89 $204,666.67
16 $506.67 $2,222.22 $2,728.89 $201,937.78
17 $506.67 $2,222.22 $2,728.89 $199,208.89
18 $506.67 $2,222.22 $2,728.89 $196,480.00
19 $506.67 $2,222.22 $2,728.89 $193,751.11
20 $506.67 $2,222.22 $2,728.89 $191,022.22
21 $506.67 $2,222.22 $2,728.89 $188,293.33
22 $506.67 $2,222.22 $2,728.89 $185,564.44
23 $506.67 $2,222.22 $2,728.89 $182,835.56
24 $506.67 $2,222.22 $2,728.89 $180,106.67
25 $506.67 $2,222.22 $2,728.89 $177,377.78
26 $506.67 $2,222.22 $2,728.89 $174,648.89
27 $506.67 $2,222.22 $2,728.89 $171,920.00
28 $506.67 $2,222.22 $2,728.89 $169,191.11
29 $506.67 $2,222.22 $2,728.89 $166,462.22
30 $506.67 $2,222.22 $2,728.89 $163,733.33
31 $506.67 $2,222.22 $2,728.89 $161,004.44
32 $506.67 $2,222.22 $2,728.89 $158,275.56
33 $506.67 $2,222.22 $2,728.89 $155,546.67
34 $506.67 $2,222.22 $2,728.89 $152,817.78
35 $506.67 $2,222.22 $2,728.89 $150,088.89
36 $506.67 $2,222.22 $2,728.89 $147,360.00
37 $506.67 $2,222.22 $2,728.89 $144,631.11
38 $506.67 $2,222.22 $2,728.89 $141,902.22
39 $506.67 $2,222.22 $2,728.89 $139,173.33
40 $506.67 $2,222.22 $2,728.89 $136,444.44
1
41 $506.67 $2,222.22 $2,728.89 $133,715.56
42 $506.67 $2,222.22 $2,728.89 $130,986.67
43 $506.67 $2,222.22 $2,728.89 $128,257.78
44 $506.67 $2,222.22 $2,728.89 $125,528.89
45 $506.67 $2,222.22 $2,728.89 $122,800.00
46 $506.67 $2,222.22 $2,728.89 $120,071.11
47 $506.67 $2,222.22 $2,728.89 $117,342.22
48 $506.67 $2,222.22 $2,728.89 $114,613.33
49 $506.67 $2,222.22 $2,728.89 $111,884.44
50 $506.67 $2,222.22 $2,728.89 $109,155.56
51 $506.67 $2,222.22 $2,728.89 $106,426.67
52 $506.67 $2,222.22 $2,728.89 $103,697.78
53 $506.67 $2,222.22 $2,728.89 $100,968.89
54 $506.67 $2,222.22 $2,728.89 $98,240.00
55 $506.67 $2,222.22 $2,728.89 $95,511.11
56 $506.67 $2,222.22 $2,728.89 $92,782.22
57 $506.67 $2,222.22 $2,728.89 $90,053.33
58 $506.67 $2,222.22 $2,728.89 $87,324.44
59 $506.67 $2,222.22 $2,728.89 $84,595.56
60 $506.67 $2,222.22 $2,728.89 $81,866.67
61 $506.67 $2,222.22 $2,728.89 $79,137.78
62 $506.67 $2,222.22 $2,728.89 $76,408.89
63 $506.67 $2,222.22 $2,728.89 $73,680.00
64 $506.67 $2,222.22 $2,728.89 $70,951.11
65 $506.67 $2,222.22 $2,728.89 $68,222.22
66 $506.67 $2,222.22 $2,728.89 $65,493.33
67 $506.67 $2,222.22 $2,728.89 $62,764.44
68 $506.67 $2,222.22 $2,728.89 $60,035.56
69 $506.67 $2,222.22 $2,728.89 $57,306.67
70 $506.67 $2,222.22 $2,728.89 $54,577.78
71 $506.67 $2,222.22 $2,728.89 $51,848.89
72 $506.67 $2,222.22 $2,728.89 $49,120.00
73 $506.67 $2,222.22 $2,728.89 $46,391.11
74 $506.67 $2,222.22 $2,728.89 $43,662.22
75 $506.67 $2,222.22 $2,728.89 $40,933.33
76 $506.67 $2,222.22 $2,728.89 $38,204.44
77 $506.67 $2,222.22 $2,728.89 $35,475.56
78 $506.67 $2,222.22 $2,728.89 $32,746.67
79 $506.67 $2,222.22 $2,728.89 $30,017.78
80 $506.67 $2,222.22 $2,728.89 $27,288.89
81 $506.67 $2,222.22 $2,728.89 $24,560.00
82 $506.67 $2,222.22 $2,728.89 $21,831.11
83 $506.67 $2,222.22 $2,728.89 $19,102.22
84 $506.67 $2,222.22 $2,728.89 $16,373.33
85 $506.67 $2,222.22 $2,728.89 $13,644.44
86 $506.67 $2,222.22 $2,728.89 $10,915.56
2
87 $506.67 $2,222.22 $2,728.89 $8,186.67
88 $506.67 $2,222.22 $2,728.89 $5,457.78
89 $506.67 $2,222.22 $2,728.89 $2,728.89
90 $506.67 $2,222.22 $2,728.89 $0.00
Ventajas
Desventajas
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ORGANIZACIONES AUXILIARES DE CREDITO
Son aquellas instituciones de crédito que participan en la Actividad Financiera
facilitando las operaciones de crédito y encaminando a un mejor
funcionamiento del sistema financiero en general. Son las encargadas de
ayudar a la intermediación financiera en actividades específicas; registradas
por la Ley General de Organizaciones y Actividades de Crédito.
Tipo de oferta:
Pública, Primaria y Nacional.
Tipo de valor:
Certificado Bursátil de corto plazo (los “Certificados Bursátiles”).
Monto Total Autorizado del Programa:
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$5,000´000,000.00 (cinco mil millones de pesos 00/100 M.N.), o su equivalente
en dólares, moneda de curso legal en los Estados Unidos de América, con
carácter revolvente, sin que el monto conjunto de las emisiones vigentes en
cualquier fecha pueda exceder del monto autorizado.
Vigencia del Programa:
5 (cinco) años contados a partir de su autorización otorgada por la Comisión
Nacional Bancaria y de Valores (la “CNBV”).
Denominación de la moneda en la que se realiza la Emisión:
Pesos.
Número de la Emisión al amparo del Programa:
Quingentésimo octogésimo cuarto.
Monto Total de la Emisión:
$61’000,000.00
Número de Certificados Bursátiles: 610,000
Valor Nominal de los Certificados Bursátiles:
$100.00 (Cien pesos 00/100 M.N.).
Precio de Colocación:
$100.00 (Cien pesos 00/100 M.N.) por cada Certificado Bursátil.
Plazo de Vigencia de la Emisión:
42 (cuarenta y dos) días.
Tasa de Interés Aplicable durante la vigencia de la Emisión:
8.45% (Ocho punto cuarenta y cinco por ciento) sobre el valor nominal de los
Certificados Bursátiles.
UNIONES DE CRÉDITO
Son instituciones financieras, constituidas con el propósito de ofrecer acceso al
financiamiento y condiciones favorables para ahorrar y recibir préstamos y
servicios financieros. Es importante destacar que las Uniones de Crédito no
proporcionan servicios al público en general ya que solo están autorizadas para
realizar operaciones con sus socios.
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y pequeña empresa, limitadas en acceso a servicios financieros en la región del
Sursureste del país, mediante servicios integrales y educación financiera.
Tasa de financiamiento
Crédito diseñado para hacer frente a las obligaciones de corto y mediano plazo,
el cual tiene como objetivo la inversión en capital de trabajo, llámese compra de
insumos, mercancía o pago de salarios y jornales. Destinado a todas las ramas
económicas.
1) Agropecuaria
2) Comercial
3) Industrial
4) Servicio
Arrendadoras Financieras
Es una institución financiera especializada, autorizada por la Secretaría de
Hacienda y Crédito Público para adquirir determinados bienes que les señale el
arrendatario, o a adquirir bienes de éste con el compromiso de dárselos en
arrendamiento, otorgándole su uso y goce temporal.
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1. Financiamiento de vehículos nuevos a precio de contado o de flotilla que
las plantas armadoras o distribuidores de automóviles ofrecen a
VALMEX y ésta traslada a sus clientes.
2. Esquemas de pagos flexibles que se pueden adecuar a los flujos de
efectivo del cliente, también es posible realizar pagos iniciales mínimos,
las rentas son mensuales.
FACTORAJE FINANCIERO
Son sociedades anónimas especializadas en adquirir (de sus clientes)
derechos de crédito (a favor de tales clientes) relacionados a proveeduría de
bienes o servicios, a cambio de un precio determinado.
Al adquirir de un cliente los documentos para cobrarle al deudor, estas
empresas pagan o adelantan dinero a dicho cliente (dueño del derecho de
cobro) cobrándole un importe por el servicio.
Mercado meta:
Producto destinado a cubrir las necesidades financieras de la pequeña y
mediana empresa de los sectores comercial, servicios, industrial,
agropecuario y minería.
Destino del crédito:
Liquidez a través del descuento de facturas.
Tasa de interés:
Tasa Fija
Pago del capital:
Al vencimiento de cada factura descontada
Pago de intereses:
Por anticipado
CASAS DE BOLSA
Las Casas de Bolsa son sociedades anónimas dedicadas a la intermediación
con valores, lo que comprende el poner en contacto a oferentes y demandantes
de valores, así como ofrecer y negociar valores por cuenta propia o de terceros
en el mercado primario o secundario.
Para organizarse y operar como casa de bolsa se requiere autorización de la
CNBV.
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Asimismo, este Organismo tiene las facultades para regular la forma y términos
en que las Casas de Bolsa deben realizar sus actividades y la prestación de
servicios de inversión sobre valores a sus clientes, incluyendo el
establecimiento de normas respecto del perfil de inversión de éstos,
distribución de valores, la prevención de conflictos de interés y en general,
reglas prudenciales para el sano desarrollo del mercado y la protección de los
intereses del cliente.
Principales Funciones
Inversiones
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1. Los fondos de inversión deben proporcionar a sus accionistas, por medio
de la operadora o distribuidora de fondos de inversión, un estado de
cuenta con las siguientes características:
2. La posición de las acciones que posea el cliente, con la valuación al corte
del último día del periodo correspondiente y el corte del periodo anterior.
3. Los movimientos realizados en el periodo correspondiente.
4. Las modificaciones en los prospectos de información al público
inversionista, deberá señalar o el medio a través del cual los accionistas
podrán acceder a consultarlo.
5. El plazo para la formulación de observaciones sobre la información
señalada en el punto 1 al 3.
6. Deberá incluir la información sobre la contratación de préstamos o
créditos a su cargo, o la emisión de valores representativas de una deuda
y cualquier otra información que la Comisión Nacional Bancaria y de
Valores, mediante disposiciones de carácter general, escuchando
previamente la opinión de la Comisión Nacional para la Defensa de los
Usuarios de Servicios Financieros.
Los fondos de inversión estipularan en los contratos que celebren con sus
inversionistas, a través de los prestadores de servicios de distribución, la
periodicidad, medios de comunicación en los que les harán llegar los estados
de cuenta o, en su caso, las instrucciones que observaran al respecto.
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Conclusión
Al elaborar este trabajo nos dio la oportunidad de poder aplicar cada uno de los
conocimientos adquiridos durante este semestre. Temas como las
organizaciones auxiliares de crédito, fuentes de financiamiento, casas de bolsa,
banca múltiple, entre otros. Llegando a la conclusión que el sistema financiero
procura la asignación de recursos ahorradores y demandantes de crédito.
Hicimos el papel de analista financiero, pues investigamos distintas fuentes de
financiamiento que nos ofrecen cada una de estas, comparando, analizando y
seleccionando la que le ofrece mejores beneficios a la empresa, pues
recordemos que lo que siempre querremos será que la empresa crezca
económicamente.
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https://www.gob.mx/cnbv/acciones-y-programas/banca-multiple
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