Usted va a adquirir una vivienda en el siguiente semestre del año, cuyo precio actual
es de doscientos cincuenta y cuatro millones de pesos ($254'000.000), con la intención
de financiarla a través de un crédito a quince (15) años. Adicionalmente, está
considerando adquirirla como inversión, razón por la cual planea arrendarla en cuanto
la adquiera.
el banco bancolombia me propone un credito hipotecario de el valor solicitado en el plazo solicitado, a una tasa de intere
decreciente del -2%. adicional a eso se planea pagar cuotas trimestrales .
valor del monto $254,000,000
i 8.70% EA 0.08429758273 NATV 0.0210743956824
plazo 15 AÑOS 60 TRIMESTRES
tipo de amortizacion Gradiente
tipo de gradiente Decreciente porcentual -2%
periodo cuota interes abono a k saldo
0 $254,000,000
1 $ 11,403,788 $5,352,897 $ 6,050,891 $247,949,109
2 $ 11,175,712 $5,225,378 $5,950,334 $241,998,775
3 $ 10,952,198 $5,099,978 $5,852,220 $236,146,555
4 $ 10,733,154 $4,976,646 $5,756,508 $230,390,047
5 $ 10,518,491 $4,855,331 $5,663,160 $224,726,888
6 $ 10,308,121 $4,735,983 $5,572,137 $219,154,751
7 $ 10,101,958 $4,618,554 $5,483,404 $213,671,346
8 $ 9,899,919 $4,502,994 $5,396,925 $208,274,422
9 $ 9,701,921 $4,389,258 $5,312,663 $202,961,758
10 $ 9,507,882 $4,277,296 $5,230,586 $197,731,172
11 $ 9,317,725 $4,167,065 $5,150,660 $192,580,513
12 $ 9,131,370 $4,058,518 $5,072,852 $187,507,660
13 $ 8,948,743 $3,951,611 $4,997,132 $182,510,528
14 $ 8,769,768 $3,846,299 $4,923,469 $177,587,059
15 $ 8,594,373 $3,742,540 $4,851,833 $172,735,227
16 $ 8,422,485 $3,640,291 $4,782,195 $167,953,032
17 $ 8,254,035 $3,539,509 $4,714,527 $163,238,505
18 $ 8,088,955 $3,440,153 $4,648,802 $158,589,703
19 $ 7,927,176 $3,342,182 $4,584,993 $154,004,710
20 $ 7,768,632 $3,245,556 $4,523,076 $149,481,634
21 $ 7,613,259 $3,150,235 $4,463,024 $145,018,610
22 $ 7,460,994 $3,056,180 $4,404,815 $140,613,795
23 $ 7,311,774 $2,963,351 $4,348,424 $136,265,371
24 $ 7,165,539 $2,871,710 $4,293,829 $131,971,543
25 $ 7,022,228 $2,781,221 $4,241,008 $127,730,535
26 $ 6,881,784 $2,691,844 $4,189,940 $123,540,595
27 $ 6,744,148 $2,603,543 $4,140,605 $119,399,991
28 $ 6,609,265 $2,516,283 $4,092,982 $115,307,008
29 $ 6,477,080 $2,430,026 $4,047,054 $111,259,954
30 $ 6,347,538 $2,344,736 $4,002,802 $107,257,153
31 $ 6,220,587 $2,260,380 $3,960,208 $103,296,945
32 $ 6,096,176 $2,176,921 $3,919,255 $99,377,690
33 $ 5,974,252 $2,094,325 $3,879,927 $95,497,763
34 $ 5,854,767 $2,012,558 $3,842,209 $91,655,553
35 $ 5,737,672 $1,931,585 $3,806,086 $87,849,467
36 $ 5,622,918 $1,851,374 $3,771,544 $84,077,923
37 $ 5,510,460 $1,771,891 $3,738,568 $80,339,355
38 $ 5,400,251 $1,693,103 $3,707,147 $76,632,208
39 $ 5,292,246 $1,614,977 $3,677,268 $72,954,940
40 $ 5,186,401 $1,537,481 $3,648,919 $69,306,020
41 $ 5,082,673 $1,460,582 $3,622,090 $65,683,930
42 $ 4,981,019 $1,384,249 $3,596,770 $62,087,160
43 $ 4,881,399 $1,308,449 $3,572,950 $58,514,210
44 $ 4,783,771 $1,233,152 $3,550,619 $54,963,591
45 $ 4,688,095 $1,158,324 $3,529,771 $51,433,820
46 $ 4,594,334 $1,083,937 $3,510,397 $47,923,423
47 $ 4,502,447 $1,009,957 $3,492,490 $44,430,933
48 $ 4,412,398 $936,355 $3,476,043 $40,954,890
49 $ 4,324,150 $863,100 $3,461,050 $37,493,840
50 $ 4,237,667 $790,160 $3,447,507 $34,046,333
51 $ 4,152,914 $717,506 $3,435,408 $30,610,925
52 $ 4,069,855 $645,107 $3,424,749 $27,186,176
53 $ 3,988,458 $572,932 $3,415,526 $23,770,650
54 $ 3,908,689 $500,952 $3,407,737 $20,362,913
55 $ 3,830,515 $429,136 $3,401,379 $16,961,534
56 $ 3,753,905 $357,454 $3,396,451 $13,565,083
57 $ 3,678,827 $285,876 $3,392,951 $10,172,132
58 $ 3,605,250 $214,372 $3,390,879 $6,781,253
59 $ 3,533,145 $142,911 $3,390,235 $3,391,019
60 $ 3,462,482 $71,464 $3,391,019 $0
e del año, cuyo precio actual
54'000.000), con la intención
os. Adicionalmente, está
planea arrendarla en cuanto
olicitado, a una tasa de interes de 8,70% EA y con un gradiente
ar cuotas trimestrales .
n periodos año 4
TV
$12,000,000 Chart Title
$10,000,000
$8,000,000
$6,000,000
$4,000,000
$2,000,000
$-
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
$2,000,000
$-
1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58
ANALISIS
Las cuotas decrecen en un 2% iniciann con una cuota de $11.403.788 y
terminan con una cuota en
el periodo 60 de
$3.462.482 como se identifica en la grafica.
