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mes
=
12
1.13-1 = 1.02368%
Valor UVR inicial = 111.3366
Valor crdito en pesos $1 ,000,000
Valor crdito en UVR = 1,000,000/111.3366 = 8,981.77
Cuota constante
A=
A = Cuota constante en UVR = 201.0869
La UVR se puede estimar con el valor de la inflacin proyectada, que en el
=
A = P
(1+i)
n
i
(1+i)
n
- 1
Cuota constante
En UVR = 8.981.77
0.0102368 (1+0.0102368)
60
(1+0.0102368)
60
- 1
ejemplo es 10% anual.
Inflacin mensual =
12
1.10-1 = 0.7974%
Si la UVR al momento del prstamo es 11.3366, para el mes siguiente sera:
111.3366 (1+0.7974%) = 112.2244
y para el mes siguiente:
112.2244(l+0.7974%)= 113.1193
y as sucesivamente se puede proyectar hasta el final del plazo.
La tabla de amortizacin se debe elaborar primero en trminos de UVR; con base
en esta informacin y en el valor de la UVR estimada hasta el final del plazo del
prstamo, permite obtener el valor en pesos. (Ver tabla en la hoja siguiente).
UVR
UVR
UVR
UVR
UVR
Mes
Saldo
Inicial
Intere
ses
Cuota
Constante
Abonos a
Capital
Saldo final
Cuota $
Saldo $
UVR
1,000,000.00
111.34
1
8,981.77
91.95
201.09
109.14
8,872.63
22,566.86
995,725.75
112.22
2
8,872.63
90.83
201.09
110.26
8,762.37
22,746.82
991,193.36
113.12
3
8,762.37
89.7
201.09
111.39
8,650.98
22,928.20
986,396.68
114.02
4
8,650.98
88.56
201.09
112.53
8,538.46
23,111.03
981,329.42
114.93
5
8,538.46
87.41
201.09'
113.68
8,424.78
23,295.33.
975,985.18
115.85
6
8,424.78
86.24
201.09
114.84
8,309.93
23,481.09
970,357.41
116.77
7
8,309.93
85.07
201.09
116.02
8,193.91
23,668.33
964,439.46
117.7
8
8,193.91
83.88
201.09
117.21
8,076.70
23,857.06
958,224.52
118.64
9
8,076.70
82.68
201.09
118.41
7,958.30
24,047.30
951,705.65
119.59
10
7,958.30
81.47
201.09
119.62
7,838.68
24,239.06
944,875.78
120.54
11
7,838.68
80.24
201.09
120.84
7,717.83
24,432.34
937,727.68
121.5
12
7,717.83
79.01
201.09
122.08
7,595.75
24,627.17
930,254.00
122.47
13
7,595.75
77.76
201.09
123.33
7,472.42
24,823.55
922,447.23
123.45
14
7,472.42
76.49
201.09
124.59
7,347.83
25,021.50
914,299.70
124.43
15
7,347.83
75.22
201.09
125.87
7,221.96
25,221.02
905,803.62
125.42
16
7,221.96
73.93
201.09
127.16
7,094.81
25,422.14
896,950.99
126.42
17
7,094.81
72.63
201.09
128.46
6,966.35
25,624.86
887,733,72
127.43
18
6,966.35
71.31
201.09
129.77
6,836.57
25,829.19
878,143.49
128.45
UVR
UVR
UVR
UVR
UVR
Mes
Saldo
Inicial
Intere
ses
Cuota
Constante
Abonos
a
Capital
Saldo final
Cuota $
Saldo $
UVR
19
6,836.57
69.98
201.09
131.1
6,705.47
26,035.16
868,171.87
129.47
20
6,705.47
68.64
201.09
132.44
6,573.03
26,242.77
857,810.24
130.5
21
6,573.03
67.29
201.09
133.8
6,439.23
26,452.03
847,049.80
131.55
22
6,439.23
65.92
201.09
135.17
6,304.06
26,662.96
835,881.59
132.59
23
6,304.06
64.53
201.09
136.55
6,167.50
26,875.58
824,296.48
133.65
24
6,167.50
63.14
201.09
137.95
6,029.55
27,089.89
812,285.13
134.72
25
6,029.55
61.72
201.09
139.36
5,890.19
27,305.91
799,838.04
135.79
26
5,890.19
60.3
201.09
140.79
5,749.40
27,523.65
786,945.52
136.87
27
5,749.40
58.86
201.09
142.23
5,607.17
27,743.12
773,597.69
137.97
28
5,607.17
57.4
201.09
143.69
5,463.48
27,964.35
759,784.46
139.07
29
5,463.48
55.93
201.09
145.16
5,318.32
28,187.34
745,495.56
140.17
30
5,318.32
54.44
201.09
146.64
5,171.68
28,412.11
730,720.51
141.29
31
5,171.68
52.94
201.09
148.15
5,023.53
28,638:68
715,448.63
142.42
32
5,023.53
51.43
201.09
149.66
4,873.87
28,867.04
699,669.01
143.56
33
4,873.87
49.89
201.09
151.19
4,722.68
29,097.23
683,370.55
144.7
34
4,722.68
48.35
201.09
152.74
4,569.94
29,329.26
666,541.93
145.85
35
4,569.94
46.78
201.09
154.31
4,415.63
29,563.14
649,171.59
147.02
36
4,415.63
45.2
201.09
155.88
4,259.75
29,798.88
631,247.76
148.19
37
4,259.75
43.61
201.09
157.48
4,102.27
30,036.50
612,758.43
149.37
38
4,102.27
41.99
201.09
159.09
3,943.17
30,276.01
593,691.37
150.56
UVR
UVR
UVR
UVR
UVR
Mes
Saldo
Inicial
Intere
ses
Cuota
Constante
Abonos
a
Capital
Saldo final
Cuota $
Saldo $
UVR
39
3.943.17
40.37
201.09
160.72
3,782.45
30,517.44
574,034.11
151.76
40
3,782.45
38.72
201.09
162.37
3,620.09
30,760.79
553,773.90
152.97
41
3,620.09
37.06
201.09
164.03
3,456.06
31,006.08
532,897.80
154.19
42
3,456.06
35.38
201.09
165.71
3,290.35
31,253.32
511,392.57
155.42
43
3,290.35
33.68
201.09
167.4
3,122.95
31,502.54
489,244.73
156.66
44
3,122.95
31.97
201.09
169.12
2,953.83
31,753.75
466,440.55
157.91
45
2,953.83
30.24
201.09
170.85
2,782.98
32,006.96
442,966.01
159.17
46
2,782.98
28.49
201.09
172.6
2,610.38
32,262.19
418,806.83
160.44
47
2,610.38
26.72
201.09
174.36
2,436.02
32,519.45
393,948.45
161.72
48
2,436.02
24.94
201.09
176.15
2,259.87
32,778.76
368,376.04
163.01
49
2,259.87
23.13
201.09
177.95
2,081.91
33,040.15
342,074.45
164.31
50
2,081.91
21.31
201.09
179.77
1,902.14
33,303.61
315,028.28
165.62
51
1,902.14
19.47
201.09
181.62
1,720.52
33,569.18
287,221.79
166.94
52
1,720.52
17.61
201.09
183.47
1,537.05
33,836.87
258,638.96
168.27
53
1,537.05
15.73
201.09
185.35
1,351.70
34,106.69
229,263.46
169.61
54
1,351.70
13.84
201.09
187.25
1,164.45
34,378.66
199,078.63
170.96
55
1,164.45
11.92
201.09
189.17
975.28
34,652.80
168,067.50
172.33
56
975.28
9.98
201.09
191.1
784.18
34,929.12
136,212.77
173.7
57
784.18
8.03
201.09
193.06
591.12
35,207.65
103,496.80
175.09
58
591.12
6.05
201.09
195.04
396.08
35,488.40
69,901.63
176.48
59
396.08
4.05
201.09
197.03
199.05
35,771.39
35,408.92
177.89
60
199.05
2.04
201.09
199.05
0
36,056.64
0
179.31
2. Abono constante a capital en UVR
Determinar la tabla de amortizacin para un crdito de $1,000,000 con un plazo de
60 meses, una tasa efectiva anual sobre UVR igual al 13%, inflacin = 10% anual,
UVR
inicial
= 111.3366
Valor crdito pesos = $1,000,000
Valor crdito UVR = 1,000,000/111.3366 = 8,981.7724
Abono constante a capital = 8,981.7724/60 = 149.6962
El detalle de las cuotas se observa en la siguiente tabla:
UVR
UVR
UVR
UVR
UVR
Mes
Saldo
Inicial
Intere
ses
Cuota
Constante
Abonos a
Capital
Saldo final
Cuota $
Saldo $
UVR
1,000,000.00
111.34
1
8,981.77
91.95
241.64
149.7
8,832.08
27,118.04
991,174.57
112.22
2
8,832.08
90.41
240. 1 1
149.7
8,682.38
27,160.94
982,144.81
113.12
3
8,682.38
88.88
238.58
149.7
8,532.68
27,202.80
972,908.00
114.02
4
8,532.68
87.35
237.04
149.7
8,382.99
27,243.59
963,461.44
114.93
5
8,382.99
85.82
235.51
149.7
8,233.29
27,283.31
953,802.36
115.85
6
8,233.29
84.28
233.98
149.7
8,083.60
27,321.93
943,927.96
116.77
7
8,083.60
82.75
232.45
149.7
7,933.90
27,359.43
933,835.44
117.7
8
7,933.90
81.22
230.91
149.7
7,784.20
27,395.79
923,521.94
118.64
9
7,784.20
79.69
229.38
149.7
7,634.51
27,431.00
912,984.57
119.59
10
7,634.51
78.15
227.85
149.7
7,484.81
27,465.02
902,220.43
120.54
11
7,484.81
76.62
226.32
149.7
7,335.11
27,497.84
891,226.57
121.5
12
7,335.11
75.09
224.78
149.7
7,185.42
27,529.43
880,000.00
122.47
13
7,185.42
73.56
223.25
149.7
7,035.72
27,559.78
868,537.72
123.45
14
7,035.72
72.02
221.72
149.7
6,886.03
27,588.87
856,836.68
124.43
15
6,886.03
70.49
220.19
149.7
6,736.33
27,616.66
844,893.79
125.42
16
6,736.33
68.96
218.65
149.7
6,586.63
27,643.15
832,705.96
126.42
17
6,586.63
67.43
217.12
149.7
6,436.94
27,668.30
820,270.03
127.43
18
6,436.94
65.89
215.59
149.7
6,287.24
27,692.10
807,582.81
128.45
19
6,287.24
64.36
214.06
149.7
6,137.54
27,714.51
794.641.10
129.47
UVR
UVR
UVR
UVR
UVR
Mes
Saldo
Inicial
Intere
ses
Cuota
Constante
Abonos
a Capital
Saldo final
Cuota $
Saldo $
UVR
20
6,137.54
62.83
212.53
149.7
5,987.85
27,735.52
781,441.64
130.5
21
5,987.85
61.3
210.99
149.7
5,838.15
27,755.11
767,981.14
131.55
22
5,838.15
59.76
209.46
149.7
5,688.46
27,773.24
754.256.28
132.59
23
5,688.46
58.23
207.93
149.7
5,538.76.
27,789.90
740,263.70
133.65
24
5,538.76
56.7
206.4
149.7
5,389.06
27,805.06
726,000.00
134.72
25
5,389.06
55.17
204.86
149.7
5,239.37
27.818.69
711.461.75
135.79
26
5,239.37
53.63
203.33
149.7
5.089.67
27.830.77
696.645.47
136.87
27
5,089.67
52.1
201.8
149.7
4.939.97
27.841.28
681.547.66
137.97
28
4,939.97
50,57
200.27
149.7
4,790.28
27,850.18
666.164.77
139.07
29
4,790.28
49.04
198.73
149.7
4,640.58
27,857.46
650,493.21
140.17
30
4,640.58
47.5
197.2
149.7
4.490.89
27,863.08
634,529.35
141.29
31
4,490.89
45.97
195.67
149.7
4,341.19
27,867.01
618,269.54
142.42
32
4,341.19
44.44
194.14
149.7
4,191.49
27,869.24
601,710.06
143.56
33
4,191.49
42.91
192.6
149.7
4,041.80
27,869.74
584,847.18
144.7
34
4,041.80
41.38
191.07
149.7
3,892.10
27,868.47
567.677.10
145.85
35
3,892.10
39.84
189.54
149.7
3,742.41
27,865.40
550,195.99
147.02
36
3,742.41
38.31
188.01
149.7
3,592.71
27,860.52
532,400.00
148.19
37
3,592.71
36.78
186.47
149.7
3,443.01
27,853.78
514,285.21
149.37
38
3,443.01
35.25
184.94
149.7
3,293.32
27,845.17
495,847.66
150.56
39
3,293.32
33.71
183.41
149.7
3.143.62
27,834.65
477.083.36
151.76
UVR
UVR
UVR
UVR
UVR
Mes
Saldo
Inicial
Intere
ses
Cuota
Constante
Abonos a
Capital
Saldo final
Cuota $
Saldo $
UVR
40
3,143.62
32.18
181.88
149.7
2,993.92
27,822.19
457,988.28
152.97
41
2,993.92
30.65
180.34
149.7
2,844.23
27,807.76
438,558.32
154.19
42
2,844.23
29.12
178.81
149.7
2,694.53
27,791.33
418,789.37
155.42
43
2,694.53
27.58
177.28
149.7
2,544.84
27,772.87
398,677.26
156.66
44
2,544.84
26.05
175.75
149.7
2,395.14
27,752.35
378,217.75
157.91
45
2,395.14
24.52
174.21
149.7
2,245.44
27,729.74
357,406.61
159.17
46
2,245.44
22.99
172.68
149.7
2,095.75
27,705.00
336,239.51
160.44
47
2,095.75
21.45
171.15
149.7
1,946.05'
27,678.10
314,712.11
161.72
48
1,946:05
19.92
169.62
149.7
1,796.35
27,649.02
292,820.00
163.01
49
1,796.35
18.39
168.09
149.7
1,646.66
27,617.70
270,558.74
164.31
50
1,646.66
16.86
166.55
149.7
1,496.96
27,584.14
247,923.83
165.62
51
1,496.96
15.32
165.02
149.7
1,347.27
27,548.28
224,910.73
166.94
52
1,347.27
13.79
163.49
149.7
1,197.57
27,510.09
201,514.84
168.27
53
1,197.57
12.26
161.96
149.7
1,047.87
27,469.54
177,731.53
169.61
54
1,047.87
10.73
160.42
149.7
898.18
27,426.60
153,556.10
170.96
55
898.18
9.19
158.89
149.7
748.48
27,381.23
128,983.82
172.33
56
748.48
7.66
157.36
149.7
598.78
27,333.39
104,009.88
173.7
57
598.78
6.13
155.83
149.7
449.09
27,283.04
78,629.45
175.09
58
449.09
4.6
154.29
149.7
299.39
27,230.15
52,837.64
176.48
59
299.39
3.06
152.76
149.7
149.7
27,174.69
26,629.49
177.89
60
149.7
1.53
151.23
149.7
0
27,116.61
0
179.31
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CIBERGRAFIA
www.banrep.gov.co : Banco de la Repblica
www.mincomercio.gov.co Ministerio de Comercio Industria y Turismo