Tasas Efectivas Formula: PAGO Para Sacar Cuota

EA 24% Formula: PAGOINT Para Sacar Intereses

i 1.80876% Formula: PAGOPRIN Para Sacar Abono
n 12 Tipo 0 Vencido

Vencida
Monto $10,000,000
No. Cuotas 12
Tasa 1%
Tipo 0

No. Cuota Tasa Cuota Intereses Abono Saldo

0 0% $10,000,000 $10,000,000
1 1% $888,487.89 $100,000.00 $788,487.89 $9,211,512.11
2 1% $888,487.89 $92,115.12 $796,372.77 $8,415,139.35
3 1% $888,487.89 $84,151.39 $804,336.49 $7,610,802.85
4 1% $888,487.89 $76,108.03 $812,379.86 $6,798,423.00
5 1% $888,487.89 $67,984.23 $820,503.66 $5,977,919.34
6 1% $888,487.89 $59,779.19 $828,708.69 $5,149,210.65
7 1% $888,487.89 $51,492.11 $836,995.78 $4,312,214.87
8 1% $888,487.89 $43,122.15 $845,365.74 $3,466,849.13
9 1% $888,487.89 $34,668.49 $853,819.40 $2,613,029.73
10 1% $888,487.89 $26,130.30 $862,357.59 $1,750,672.14
11 1% $888,487.89 $17,506.72 $870,981.17 $879,690.98
12 1% $888,487.89 $8,796.91 $879,690.98 $0.00
 Tasas Efectivas Formula: PAGO Para Sacar Cuota
EA 0% Formula: PAGOINT Para Sacar Intereses
i #DIV/0! Formula: PAGOPRIN Para Sacar Abono
n 0 Tipo 1 Anticipado

Anticipada
Monto $10,000,000
No. Cuotas 12
Tasa 1%
Tipo 1

No. Cuota Tasa Cuota Intereses Abono Saldo

1 1% $879,690.98 $0.00 $879,690.98 $9,120,309
2 1% $879,690.98 $91,203.09 $788,487.89 $8,331,821.14
3 1% $879,690.98 $83,318.21 $796,372.77 $7,535,448.37
4 1% $879,690.98 $75,354.48 $804,336.49 $6,731,111.88
5 1% $879,690.98 $67,311.12 $812,379.86 $5,918,732.02
6 1% $879,690.98 $59,187.32 $820,503.66 $5,098,228.36
7 1% $879,690.98 $50,982.28 $828,708.69 $4,269,519.67
8 1% $879,690.98 $42,695.20 $836,995.78 $3,432,523.89
9 1% $879,690.98 $34,325.24 $845,365.74 $2,587,158.15
10 1% $879,690.98 $25,871.58 $853,819.40 $1,733,338.75
11 1% $879,690.98 $17,333.39 $862,357.59 $870,981.17
12 1% $879,690.98 $8,709.81 $870,981.17 $0.00
 Tasas Efectivas Interes Saldo x Tasa
EA 0% Abono Cuota-Interes
i #DIV/0! Saldo SaldoAnt-Abono
n 0 Cuota Datos, AnalisisHipot

Cuotas Variables
Monto $10,000,000
No. Cuotas 12
Tasa 1%
Variacion -$5,000

No. Cuota Tasa Cuota Intereses Abono Saldo

0 $10,000,000
1 1% $100,000.00 -$100,000.00 $10,100,000.00
2 1% -$5,000.00 $101,000.00 -$106,000.00 $10,206,000.00
3 1% -$10,000.00 $102,060.00 -$112,060.00 $10,318,060.00
4 1% -$15,000.00 $103,180.60 -$118,180.60 $10,436,240.60
5 1% -$20,000.00 $104,362.41 -$124,362.41 $10,560,603.01
6 1% -$25,000.00 $105,606.03 -$130,606.03 $10,691,209.04
7 1% -$30,000.00 $106,912.09 -$136,912.09 $10,828,121.13
8 1% -$35,000.00 $108,281.21 -$143,281.21 $10,971,402.34
9 1% -$40,000.00 $109,714.02 -$149,714.02 $11,121,116.36
10 1% -$45,000.00 $111,211.16 -$156,211.16 $11,277,327.52
11 1% -$50,000.00 $112,773.28 -$162,773.28 $11,440,100.80
12 1% -$55,000.00 $114,401.01 -$169,401.01 $11,609,501.81
 Tasas Efectivas Interes Saldo x Tasa
EA 0% Abono Cuota-Interes
i #DIV/0! Saldo SaldoAnt-Abono
n 0 Cuota Datos, AnalisisHipot

Cuotas Variables
Monto $10,000,000
No. Cuotas 12
Tasa 1%
Variacion -5%

No. Cuota Tasa Cuota Intereses Abono Saldo

0 $10,000,000
1 1% $100,000.00 -$100,000.00 $10,100,000.00
2 1% $0.00 $101,000.00 -$101,000.00 $10,201,000.00
3 1% $0.00 $102,010.00 -$102,010.00 $10,303,010.00
4 1% $0.00 $103,030.10 -$103,030.10 $10,406,040.10
5 1% $0.00 $104,060.40 -$104,060.40 $10,510,100.50
6 1% $0.00 $105,101.01 -$105,101.01 $10,615,201.51
7 1% $0.00 $106,152.02 -$106,152.02 $10,721,353.52
8 1% $0.00 $107,213.54 -$107,213.54 $10,828,567.06
9 1% $0.00 $108,285.67 -$108,285.67 $10,936,852.73
10 1% $0.00 $109,368.53 -$109,368.53 $11,046,221.25
11 1% $0.00 $110,462.21 -$110,462.21 $11,156,683.47
12 1% $0.00 $111,566.83 -$111,566.83 $11,268,250.30
Inicial $500,000,000
Vida Util 10 años Mensual
Nueva Inversion $ 100,000,000 Quinto Año Anual
Total Ingresos
Ingresos mensuales $10,000,000
Incremento Anual 3.0%
Mensual
Egresos Mensuales $ 7,000,000 Anual
Incremento Anual 2.5% Inversion
Total Egresos
Costo de Oportunidad 25%
Flujo de Efectivo
Año 0 Año 1 Año 2 Año 3 Año 4 Año 5
$ - $ 10,000,000 $ 10,300,000 $ 10,609,000 $ 10,927,270 $ 11,255,088
$ - $ 120,000,000 $ 123,600,000 $ 127,308,000 $ 131,127,240 $ 135,061,057
$ - $ 120,000,000 $ 123,600,000 $ 127,308,000 $ 131,127,240 $ 135,061,057

Año 0 Año 1 Año 2 Año 3 Año 4 Año 5

$ - $ 7,000,000 $ 7,175,000 $ 7,354,375 $ 7,538,234 $ 7,726,690
$ - $ 84,000,000 $ 86,100,000 $ 88,252,500 $ 90,458,813 $ 92,720,283
$ 500,000,000.00 $ - $ - $ - $ 100,000,000
$ 500,000,000.00 $ 84,000,000 $ 86,100,000 $ 88,252,500 $ 90,458,813 $ 192,720,283

-$ 500,000,000.00 $ 36,000,000 $ 37,500,000 $ 39,055,500 $ 40,668,428 $ (57,659,226)

VNA $ (388,042,996)
TIR -6.09%
Año 6 Año 7 Año 8 Año 9 Año 10
$ 11,592,741 $ 11,940,523 $ 12,298,739 $ 12,667,701 $ 13,047,732
$ 139,112,889 $ 143,286,276 $ 147,584,864 $ 152,012,410 $ 156,572,782
$ 139,112,889 $ 143,286,276 $ 147,584,864 $ 152,012,410 $ 156,572,782

Año 6 Año 7 Año 8 Año 9 Año 10

$ 7,919,857 $ 8,117,854 $ 8,320,800 $ 8,528,820 $ 8,742,041
$ 95,038,290 $ 97,414,247 $ 99,849,603 $ 102,345,843 $ 104,904,489
$ - $ - $ - $ - $ -
$ 95,038,290 $ 97,414,247 $ 99,849,603 $ 102,345,843 $ 104,904,489

$ 44,074,599 $ 45,872,028 $ 47,735,261 $ 49,666,566 $ 51,668,293

 Valor Futuro F= P(1+i)^n
Interes Simple F= P(1+i*n)
Intres Compuesto F= P(1+i)^n
Tasa Interes Efectiva EA= (1+i)^n -1
Anualidades Vencidas P= A[{(1+i)^n -1} / i(1+i)^n ]
Anualidades Anticipadas P= A [ 1 + {(1+i)^n-1 -1} / i(1+i)^n-1 ]
Gradientes P= A[{(1+i)^n -1} / i(1+i)^n ] +- (g/i)[{(1+i)^n -1 / i(1+i)^n} - {n/(1+i)^n}]
Gradientes Geometricos P= A[ {(1+-G)/(1+i)}^n -1 / G-i]
Gradiente e Interes Iguales P= [ (n*A)/(1+i) ]