estrategia tav sesi-n 4 (1).xlsx

GRADIENTE ARITMÉTICO O LINEAL

DEUDA $ 50,000,000TASA 1.50%PLAZO 48CUOTA 1 ?L $ 10,000

FORMULA

i i i

0,015 0,015 0,015

DESPEJAMOS:

VA = R1 [ 1 - ( 1 + i ) -n ] + L ([ 1 - ( 1 + i ) -n ] – n(1+i) –n )

50.000.000 = R1 [ 1 - ( 1 +0,015 ) -48 ] +10.000 ([ 1 - ( 1 +0,015 ) -48 ] – 48(1+0,015) –48 )

R1 =

GRADIENTE ARITMÉTICO O LINEAL

PERIÓDICA MENSUALCUOTAS MENSUALESMENSUAL VENCIDA

MENSUAL

FORMULA

i i i

0,015 0,015 0,015

1 - ( 1 + i ) -n ] – n(1+i) –n )

1 - ( 1 +0,015 ) -48 ] +10.000 ([ 1 - ( 1 +0,015 ) -48 ] – 48(1+0,015) –48 )

] – 48(1+0,015) –48 )

TABLA DE AMORTIZACION GRADIENTE ARITMÉTICON SALDO INTERESES CUOTA

0123456789

101112131415161718192021

222324252627282930313233343536373839404142434445

464748

TABLA DE AMORTIZACION GRADIENTE ARITMÉTICOAMORTIZACIÓN TASA L

TABLA DE AMORTIZACION GRADIENTE ARITMÉTICON SALDO INTERESES CUOTA

0 50,000,000 0 01 49,487,917 750,000 1,262,0832 48,958,152 742,319 1,272,0833 48,410,441 734,372 1,282,0834 47,844,514 726,157 1,292,0835 47,260,099 717,668 1,302,0836 46,656,917 708,901 1,312,0837 46,034,687 699,854 1,322,0838 45,393,125 690,520 1,332,0839 44,731,938 680,897 1,342,083

10 44,050,834 670,979 1,352,08311 43,349,513 660,763 1,362,08312 42,627,672 650,243 1,372,08313 41,885,004 639,415 1,382,08314 41,121,196 628,275 1,392,08315 40,335,931 616,818 1,402,08316 39,528,886 605,039 1,412,08317 38,699,736 592,933 1,422,08318 37,848,149 580,496 1,432,08319 36,973,788 567,722 1,442,08320 36,076,311 554,607 1,452,08321 35,155,373 541,145 1,462,083

22 34,210,620 527,331 1,472,08323 33,241,696 513,159 1,482,08324 32,248,238 498,625 1,492,08325 31,229,879 483,724 1,502,08326 30,186,243 468,448 1,512,08327 29,116,954 452,794 1,522,08328 28,021,625 436,754 1,532,08329 26,899,866 420,324 1,542,08330 25,751,281 403,498 1,552,08331 24,575,466 386,269 1,562,08332 23,372,015 368,632 1,572,08333 22,140,512 350,580 1,582,08334 20,880,536 332,108 1,592,08335 19,591,661 313,208 1,602,08336 18,273,453 293,875 1,612,08337 16,925,471 274,102 1,622,08338 15,547,270 253,882 1,632,08339 14,138,396 233,209 1,642,08340 12,698,388 212,076 1,652,08341 11,226,781 190,476 1,662,08342 9,723,099 168,402 1,672,08343 8,186,863 145,846 1,682,08344 6,617,582 122,803 1,692,08345 5,014,763 99,264 1,702,083

46 3,377,901 75,221 1,712,08347 1,706,486 50,669 1,722,08348 0 25,597 1,732,083

71,859,998

TABLA DE AMORTIZACION GRADIENTE ARITMÉTICOAMORTIZACIÓN TASA L

0 1.50% 10,000512,083 0529,765 0 10,000547,711 0 10,000565,927 0 10,000584,416 0 10,000603,182 0 10,000622,230 0 10,000641,563 0 10,000661,186 0 10,000681,104 0 10,000701,321 0 10,000721,841 0 10,000742,668 0 10,000763,808 0 10,000785,265 0 10,000807,044 0 10,000829,150 0 10,000851,587 0 10,000874,361 0 10,000897,476 0 10,000920,939 0 10,000

944,753 0 10,000968,924 0 10,000993,458 0 10,000

1,018,360 0 10,0001,043,635 0 10,0001,069,290 0 10,0001,095,329 0 10,0001,121,759 0 10,0001,148,585 0 10,0001,175,814 0 10,0001,203,451 0 10,0001,231,503 0 10,0001,259,976 0 10,0001,288,875 0 10,0001,318,208 0 10,0001,347,982 0 10,0001,378,201 0 10,0001,408,874 0 10,0001,440,007 0 10,0001,471,607 0 10,0001,503,682 0 10,0001,536,237 0 10,0001,569,280 0 10,0001,602,820 0 10,000

1,636,862 0 10,0001,671,415 0 10,0001,706,486 0 10,000

GRADIENTE ARITMÉTICO O LINEAL

DEUDA $ 50,000,000TASA 1.50%PLAZO 48CUOTA 1 ?L $ 10,000

FORMULA

i i i

0,015 0,015 0,015

DESPEJAMOS:

VA = R1 [ 1 - ( 1 + i ) -n ] + L ([ 1 - ( 1 + i ) -n ] – n(1+i) –n )

50.000.000 = R1 [ 1 - ( 1 +0,015 ) -48 ] +10.000 ([ 1 - ( 1 +0,015 ) -48 ] – 48(1+0,015) –48 )

50.000.000= R1x34,0425534.042553646

50.000.000= R1x34,0425550.000.000 - 7.035.461,51 = R1 x 34,04255

42,964,538 =R1 X 3,04255R1 = $ 1,262,083

GRADIENTE ARITMÉTICO O LINEAL

PERIÓDICA MENSUALCUOTAS MENSUALESMENSUAL VENCIDA

MENSUAL

FORMULA

i i i

0,015 0,015 0,015

1 - ( 1 + i ) -n ] – n(1+i) –n )

1 - ( 1 +0,015 ) -48 ] +10.000 ([ 1 - ( 1 +0,015 ) -48 ] – 48(1+0,015) –48 )

+(666.666,67 x (34,04255 - (48x0,4894))666,666.67

+ 7,035,461.5150.000.000 - 7.035.461,51 = R1 x 34,04255

] – 48(1+0,015) –48 )

+(666.666,67 x (34,04255 - (48x0,4894))0.4894

GRADIENTE GEOMÉTRICO

DEUDA $ 50,000,000TASA 1.50%PLAZO 48CUOTA 1 ?G 1%

FORMULA

G - i

DESPEJAMOS:

VA = R1 [( 1 + G ) n ( 1 + i ) –n - 1 ]

R1 x

R1 =

GRADIENTE GEOMÉTRICO

PERIÓDICA MENSUALCUOTAS MENSUALESMENSUAL VENCIDA

MENSUAL

FORMULA

R1

TABLA DE AMORTIZACION GRADIENTE GEOMÉTRICON SALDO INTERESES CUOTA

0123456789

101112131415161718192021

222324252627282930313233343536373839404142434445

464748

0

TABLA DE AMORTIZACION GRADIENTE GEOMÉTRICOAMORTIZACIÓN TASA G

1.50%

TABLA DE AMORTIZACION GRADIENTE GEOMÉTRICON SALDO INTERESES CUOTA

0 50,000,000 0 01 49,565,381 750,000 1,184,6192 49,112,396 743,481 1,196,4653 48,640,653 736,686 1,208,4304 48,149,748 729,610 1,220,5145 47,639,275 722,246 1,232,7196 47,108,818 714,589 1,245,0467 46,557,953 706,632 1,257,4978 45,986,250 698,369 1,270,0729 45,393,272 689,794 1,282,773

10 44,778,570 680,899 1,295,60011 44,141,692 671,679 1,308,55612 43,482,176 662,125 1,321,64213 42,799,550 652,233 1,334,85814 42,093,336 641,993 1,348,20715 41,363,047 631,400 1,361,68916 40,608,187 620,446 1,375,30617 39,828,251 609,123 1,389,05918 39,022,725 597,424 1,402,95019 38,191,087 585,341 1,416,97920 37,332,805 572,866 1,431,14921 36,447,336 559,992 1,445,460

22 35,534,131 546,710 1,459,91523 34,592,629 533,012 1,474,51424 33,622,260 518,889 1,489,25925 32,622,442 504,334 1,504,15226 31,592,585 489,337 1,519,19327 30,532,088 473,889 1,534,38528 29,440,341 457,981 1,549,72929 28,316,719 441,605 1,565,22630 27,160,591 424,751 1,580,87931 25,971,313 407,409 1,596,68732 24,748,228 389,570 1,612,65433 23,490,671 371,223 1,628,78134 22,197,962 352,360 1,645,06935 20,869,412 332,969 1,661,51936 19,504,319 313,041 1,678,13537 18,101,968 292,565 1,694,91638 16,661,632 271,530 1,711,86539 15,182,573 249,924 1,728,98440 13,664,038 227,739 1,746,27441 12,105,262 204,961 1,763,73642 10,505,467 181,579 1,781,37443 8,863,862 157,582 1,799,18744 7,179,641 132,958 1,817,17945 5,451,984 107,695 1,835,351

46 3,680,059 81,780 1,853,70547 1,863,019 55,201 1,872,24248 0 27,945 1,890,964

72,525,466

TABLA DE AMORTIZACION GRADIENTE GEOMÉTRICOAMORTIZACIÓN TASA G

0 1.50% 1.00%434,619 0452,984 0 1.010471,744 0 1.010490,904 0 1.010510,473 0 1.010530,457 0 1.010550,865 0 1.010571,703 0 1.010592,979 0 1.010614,701 0 1.010636,878 0 1.010659,517 0 1.010682,626 0 1.010706,214 0 1.010730,289 0 1.010754,860 0 1.010779,936 0 1.010805,526 0 1.010831,638 0 1.010858,283 0 1.010885,468 0 1.010

913,205 0 1.010941,502 0 1.010970,370 0 1.010999,818 0 1.010

1,029,857 0 1.0101,060,496 0 1.0101,091,748 0 1.0101,123,621 0 1.0101,156,128 0 1.0101,189,279 0 1.0101,223,085 0 1.0101,257,557 0 1.0101,292,709 0 1.0101,328,550 0 1.0101,365,093 0 1.0101,402,351 0 1.0101,440,336 0 1.0101,479,059 0 1.0101,518,535 0 1.0101,558,776 0 1.0101,599,795 0 1.0101,641,605 0 1.0101,684,221 0 1.0101,727,656 0 1.010

1,771,925 0 1.0101,817,041 0 1.0101,863,019 0 1.010

GRADIENTE GEOMÉTRICO

DEUDA $ 50,000,000TASA 1.50%PLAZO 48CUOTA 1 ?G 1%

FORMULA

G - i

50.000.000 = R1((((1+0,01)^48) x ((1+0,015)^-48))- 1) / (0,01 - 0,015))

DESPEJAMOS:

50.000.000= R1x(( (1,61222608x0,4893617)-1)/-0,0050)

VA = R1 [( 1 + G ) n ( 1 + i ) –n - 1 ]

1.612226077750.000.000= R1 x 50.000.000/42,208 =R1 = $ 1,184,619

GRADIENTE GEOMÉTRICO

PERIÓDICA MENSUALCUOTAS MENSUALESMENSUAL VENCIDA

MENSUAL

FORMULA

50.000.000 = R1((((1+0,01)^48) x ((1+0,015)^-48))- 1) / (0,01 - 0,015))

R1x(( (1,61222608x0,4893617)-1)/-0,0050)

0.489361742.208

R1

-0.0050

GRADIENTEARITMÉTICOGEOMÉTRICO

No.1,262,083 481,184,619 48

VALOR PRIMERA CUOTA$

TOTAL PAGADO $

71,859,99872,525,466