Cap. Inicial i Interés Cap.

Final Capital
$ 300,000.00 2.5% $ 7,500.00 $ 307,500.00 $ 12,500.00
307,500.00 2.5% 7,687.50 315,187.50 12,500.00
315,187.50 2.5% 7,879.69 323,067.19 12,500.00
323,067.19 2.5% 8,076.68 331,143.87 12,500.00
331,143.87 2.5% 8,278.60 339,422.46 12,500.00
339,422.46 2.5% 8,485.56 347,908.03 12,500.00
347,908.03 2.5% 8,697.70 356,605.73 12,500.00
356,605.73 2.5% 8,915.14 365,520.87 12,500.00
365,520.87 2.5% 9,138.02 374,658.89 12,500.00
374,658.89 2.5% 9,366.47 384,025.36 12,500.00
384,025.36 2.5% 9,600.63 393,626.00 12,500.00
393,626.00 2.5% 9,840.65 403,466.65 12,500.00
403,466.65 2.5% 10,086.67 413,553.31 12,500.00
413,553.31 2.5% 10,338.83 423,892.15 12,500.00
423,892.15 2.5% 10,597.30 434,489.45 12,500.00
434,489.45 2.5% 10,862.24 445,351.69 12,500.00
445,351.69 2.5% 11,133.79 456,485.48 12,500.00
456,485.48 2.5% 11,412.14 467,897.62 12,500.00
467,897.62 2.5% 11,697.44 479,595.06 12,500.00
479,595.06 2.5% 11,989.88 491,584.93 12,500.00
491,584.93 2.5% 12,289.62 503,874.56 12,500.00
503,874.56 2.5% 12,596.86 516,471.42 12,500.00
516,471.42 2.5% 12,911.79 529,383.20 12,500.00
529,383.20 2.5% 13,234.58 542,617.78 12,500.00
$ 9,704,711.39 $ 242,617.78 $ 9,947,329.18 $ 300,000.00

IC= 300000(1.025)^24
IC= 300000* 1.80872594958 =
542617.784874777 -300000 =
$ 242,617.78

Interes Real: 40.44%

IC=242617.78/300000/24*100 = Interes Nominal: 30%
0.80873 /2*100 =
0.40 *100 =
40.44 =
 Interés IVA Pagos Cap. Inicial
$ 7,500.00 $ 1,200.00 $ 21,200.00 $ 400,000.00
7,687.50 1,230.00 21,417.50 413,320.00
7,879.69 1,260.75 21,640.44 427,083.56
8,076.68 1,292.27 21,868.95 441,305.44
8,278.60 1,324.58 22,103.17 456,000.91
8,485.56 1,357.69 22,343.25 471,185.74
8,697.70 1,391.63 22,589.33 486,876.22
8,915.14 1,426.42 22,841.57 503,089.20
9,138.02 1,462.08 23,100.11 519,842.07
9,366.47 1,498.64 23,365.11 537,152.81
9,600.63 1,536.10 23,636.74 555,040.00
9,840.65 1,574.50 23,915.15 573,522.84
10,086.67 1,613.87 24,200.53 592,621.15
10,338.83 1,654.21 24,493.05 612,355.43
10,597.30 1,695.57 24,792.87 632,746.87
10,862.24 1,737.96 25,100.19 653,817.34
11,133.79 1,781.41 25,415.20 675,589.45
11,412.14 1,825.94 25,738.08 698,086.58
11,697.44 1,871.59 26,069.03 721,332.87
11,989.88 1,918.38 26,408.26 745,353.25
12,289.62 1,966.34 26,755.96 770,173.51
12,596.86 2,015.50 27,112.36 795,820.29
12,911.79 2,065.89 27,477.67 822,321.11
13,234.58 2,117.53 27,852.11 849,704.40
$ 242,617.78 $ 38,818.85 $ 581,436.63 877,999.56
907,236.94
937,447.93
968,664.95
1,000,921.49
1,034,252.18
1,068,692.77
1,104,280.24
Real: 40.44% 1,141,052.78
Nominal: 30% 1,179,049.83
1,218,312.19
1,258,881.99
1,300,802.76
1,344,119.49
1,388,878.67
1,435,128.33
1,482,918.10
 1,532,299.28
1,583,324.84
1,636,049.56
1,690,530.01
1,746,824.66
1,804,993.92
1,865,100.22
$ 45,862,103.73

SUMAS

IC= 400000(1.0333)^48
IC= 400000*
$ 1,927,208.05
$ 1,527,208.05

IC=1,527,208.05/400000/48*100
3.81802
0.95
95.45
i Interés Cap. Final Capital Interés
3.33% $ 13,320.00 $ 413,320.00 $ 8,333.333 $ 13,320.00
3.33% 13,763.56 427,083.56 $ 8,333.333 13,763.56
3.33% 14,221.88 441,305.44 $ 8,333.333 14,221.88
3.33% 14,695.47 456,000.91 $ 8,333.333 14,695.47
3.33% 15,184.83 471,185.74 $ 8,333.333 15,184.83
3.33% 15,690.49 486,876.22 $ 8,333.333 15,690.49
3.33% 16,212.98 503,089.20 $ 8,333.333 16,212.98
3.33% 16,752.87 519,842.07 $ 8,333.333 16,752.87
3.33% 17,310.74 537,152.81 $ 8,333.333 17,310.74
3.33% 17,887.19 555,040.00 $ 8,333.333 17,887.19
3.33% 18,482.83 573,522.84 $ 8,333.333 18,482.83
3.33% 19,098.31 592,621.15 $ 8,333.333 19,098.31
3.33% 19,734.28 612,355.43 $ 8,333.333 19,734.28
3.33% 20,391.44 632,746.87 $ 8,333.333 20,391.44
3.33% 21,070.47 653,817.34 $ 8,333.333 21,070.47
3.33% 21,772.12 675,589.45 $ 8,333.333 21,772.12
3.33% 22,497.13 698,086.58 $ 8,333.333 22,497.13
3.33% 23,246.28 721,332.87 $ 8,333.333 23,246.28
3.33% 24,020.38 745,353.25 $ 8,333.333 24,020.38
3.33% 24,820.26 770,173.51 $ 8,333.333 24,820.26
3.33% 25,646.78 795,820.29 $ 8,333.333 25,646.78
3.33% 26,500.82 822,321.11 $ 8,333.333 26,500.82
3.33% 27,383.29 849,704.40 $ 8,333.333 27,383.29
3.33% 28,295.16 877,999.56 $ 8,333.333 28,295.16
3.33% 29,237.39 907,236.94 $ 8,333.333 29,237.39
3.33% 30,210.99 937,447.93 $ 8,333.333 30,210.99
3.33% 31,217.02 968,664.95 $ 8,333.333 31,217.02
3.33% 32,256.54 1,000,921.49 $ 8,333.333 32,256.54
3.33% 33,330.69 1,034,252.18 $ 8,333.333 33,330.69
3.33% 34,440.60 1,068,692.77 $ 8,333.333 34,440.60
3.33% 35,587.47 1,104,280.24 $ 8,333.333 35,587.47
3.33% 36,772.53 1,141,052.78 $ 8,333.333 36,772.53
3.33% 37,997.06 1,179,049.83 $ 8,333.333 37,997.06
3.33% 39,262.36 1,218,312.19 $ 8,333.333 39,262.36
3.33% 40,569.80 1,258,881.99 $ 8,333.333 40,569.80
3.33% 41,920.77 1,300,802.76 $ 8,333.333 41,920.77
3.33% 43,316.73 1,344,119.49 $ 8,333.333 43,316.73
3.33% 44,759.18 1,388,878.67 $ 8,333.333 44,759.18
3.33% 46,249.66 1,435,128.33 $ 8,333.333 46,249.66
3.33% 47,789.77 1,482,918.10 $ 8,333.333 47,789.77
3.33% 49,381.17 1,532,299.28 $ 8,333.333 49,381.17
 3.33% 51,025.57 1,583,324.84 $ 8,333.333 51,025.57
3.33% 52,724.72 1,636,049.56 $ 8,333.333 52,724.72
3.33% 54,480.45 1,690,530.01 $ 8,333.333 54,480.45
3.33% 56,294.65 1,746,824.66 $ 8,333.333 56,294.65
3.33% 58,169.26 1,804,993.92 $ 8,333.333 58,169.26
3.33% 60,106.30 1,865,100.22 $ 8,333.333 60,106.30
3.33% 62,107.84 1,927,208.05 $ 8,333.333 62,107.84
$ 1,527,208.05 $ 47,389,311.79 $ 400,000.000 $ 1,527,208.05

000(1.0333)^48
4.81802013561843 =
-400000 =

Interes Real: 95.45%

7,208.05/400000/48*100 = Interes Nominal: 40%
/4*100 =
*100 =
=
 IVA Pagos Cap. Inicial i
$ 2,131.20 $ 23,784.53 $ 500,000.00 4.167%
2,202.17 24,299.06 520,835.00 4.167%
2,275.50 24,830.72 542,538.19 4.167%
2,351.28 25,380.08 565,145.76 4.167%
2,429.57 25,947.74 588,695.38 4.167%
2,510.48 26,534.30 613,226.32 4.167%
2,594.08 27,140.39 638,779.46 4.167%
2,680.46 27,766.66 665,397.40 4.167%
2,769.72 28,413.79 693,124.51 4.167%
2,861.95 29,082.47 722,007.01 4.167%
2,957.25 29,773.42 752,093.04 4.167%
3,055.73 30,487.37 783,432.76 4.167%
3,157.49 31,225.10 816,078.40 4.167%
3,262.63 31,987.40 850,084.39 4.167%
3,371.28 32,775.08 885,507.41 4.167%
3,483.54 33,588.99 922,406.50 4.167%
3,599.54 34,430.00 960,843.18 4.167%
3,719.41 35,299.02 1,000,881.51 4.167%
3,843.26 36,196.98 1,042,588.25 4.167%
3,971.24 37,124.84 1,086,032.90 4.167%
4,103.48 38,083.60 1,131,287.89 4.167%
4,240.13 39,074.28 1,178,428.66 4.167%
4,381.33 40,097.95 1,227,533.78 4.167%
4,527.23 41,155.71 1,278,685.11 4.167%
4,677.98 42,248.70 1,331,967.92 4.167%
4,833.76 43,378.08 1,387,471.02 4.167%
4,994.72 44,545.07 1,445,286.94 4.167%
5,161.05 45,750.92 1,505,512.05 4.167%
5,332.91 46,996.93 1,568,246.73 4.167%
5,510.50 48,284.43 1,633,595.58 4.167%
5,694.00 49,614.80 1,701,667.50 4.167%
5,883.61 50,989.47 1,772,575.99 4.167%
6,079.53 52,409.92 1,846,439.23 4.167%
6,281.98 53,877.67 1,923,380.35 4.167%
6,491.17 55,394.30 2,003,527.61 4.167%
6,707.32 56,961.43 2,087,014.61 4.167%
6,930.68 58,580.74 2,173,980.51 4.167%
7,161.47 60,253.98 2,264,570.27 4.167%
7,399.95 61,982.94 2,358,934.92 4.167%
7,646.36 63,769.47 2,457,231.74 4.167%
7,900.99 65,615.49 2,559,624.58 4.167%
 8,164.09 67,522.99 2,666,284.14 4.167%
8,435.95 69,494.01 2,777,388.20 4.167%
8,716.87 71,530.66 2,893,121.96 4.167%
9,007.14 73,635.13 3,013,678.36 4.167%
9,307.08 75,809.68 3,139,258.33 4.167%
9,617.01 78,056.64 3,270,071.23 4.167%
9,937.25 80,378.42 3,406,335.10 4.167%
$ 244,353.29 2171561.34293 3,548,277.08 4.167%
3,696,133.79 4.167%
3,850,151.68 4.167%
4,010,587.50 4.167%
4,177,708.68 4.167%
4,351,793.80 4.167%
4,533,133.05 4.167%
4,722,028.71 4.167%
4,918,795.64 4.167%
5,123,761.86 4.167%
5,337,269.01 4.167%
5,559,673.01 4.167%
$ 126,982,111.52

IC=5,291,344.59/500000/60*100
10.58269 /5*100
2.12 *100
211.65

IC= 500000(1.04167)^60
IC= 500000* 11.5826891738779
$ 5,791,344.59 -500000
$ 5,291,344.59
 Interés Cap. Final Capital Interés IVA
$ 20,835.00 $ 520,835.00 $ 8,333.333 $ 20,835.00 $ 3,333.60
21,703.19 542,538.19 $ 8,333.333 21,703.19 3,472.51
22,607.57 565,145.76 $ 8,333.333 22,607.57 3,617.21
23,549.62 588,695.38 $ 8,333.333 23,549.62 3,767.94
24,530.94 613,226.32 $ 8,333.333 24,530.94 3,924.95
25,553.14 638,779.46 $ 8,333.333 25,553.14 4,088.50
26,617.94 665,397.40 $ 8,333.333 26,617.94 4,258.87
27,727.11 693,124.51 $ 8,333.333 27,727.11 4,436.34
28,882.50 722,007.01 $ 8,333.333 28,882.50 4,621.20
30,086.03 752,093.04 $ 8,333.333 30,086.03 4,813.77
31,339.72 783,432.76 $ 8,333.333 31,339.72 5,014.35
32,645.64 816,078.40 $ 8,333.333 32,645.64 5,223.30
34,005.99 850,084.39 $ 8,333.333 34,005.99 5,440.96
35,423.02 885,507.41 $ 8,333.333 35,423.02 5,667.68
36,899.09 922,406.50 $ 8,333.333 36,899.09 5,903.85
38,436.68 960,843.18 $ 8,333.333 38,436.68 6,149.87
40,038.34 1,000,881.51 $ 8,333.333 40,038.34 6,406.13
41,706.73 1,042,588.25 $ 8,333.333 41,706.73 6,673.08
43,444.65 1,086,032.90 $ 8,333.333 43,444.65 6,951.14
45,254.99 1,131,287.89 $ 8,333.333 45,254.99 7,240.80
47,140.77 1,178,428.66 $ 8,333.333 47,140.77 7,542.52
49,105.12 1,227,533.78 $ 8,333.333 49,105.12 7,856.82
51,151.33 1,278,685.11 $ 8,333.333 51,151.33 8,184.21
53,282.81 1,331,967.92 $ 8,333.333 53,282.81 8,525.25
55,503.10 1,387,471.02 $ 8,333.333 55,503.10 8,880.50
57,815.92 1,445,286.94 $ 8,333.333 57,815.92 9,250.55
60,225.11 1,505,512.05 $ 8,333.333 60,225.11 9,636.02
62,734.69 1,568,246.73 $ 8,333.333 62,734.69 10,037.55
65,348.84 1,633,595.58 $ 8,333.333 65,348.84 10,455.81
68,071.93 1,701,667.50 $ 8,333.333 68,071.93 10,891.51
70,908.48 1,772,575.99 $ 8,333.333 70,908.48 11,345.36
73,863.24 1,846,439.23 $ 8,333.333 73,863.24 11,818.12
76,941.12 1,923,380.35 $ 8,333.333 76,941.12 12,310.58
80,147.26 2,003,527.61 $ 8,333.333 80,147.26 12,823.56
83,487.00 2,087,014.61 $ 8,333.333 83,487.00 13,357.92
86,965.90 2,173,980.51 $ 8,333.333 86,965.90 13,914.54
90,589.77 2,264,570.27 $ 8,333.333 90,589.77 14,494.36
94,364.64 2,358,934.92 $ 8,333.333 94,364.64 15,098.34
98,296.82 2,457,231.74 $ 8,333.333 98,296.82 15,727.49
102,392.85 2,559,624.58 $ 8,333.333 102,392.85 16,382.86
106,659.56 2,666,284.14 $ 8,333.333 106,659.56 17,065.53
 111,104.06 2,777,388.20 $ 8,333.333 111,104.06 17,776.65
115,733.77 2,893,121.96 $ 8,333.333 115,733.77 18,517.40
120,556.39 3,013,678.36 $ 8,333.333 120,556.39 19,289.02
125,579.98 3,139,258.33 $ 8,333.333 125,579.98 20,092.80
130,812.89 3,270,071.23 $ 8,333.333 130,812.89 20,930.06
136,263.87 3,406,335.10 $ 8,333.333 136,263.87 21,802.22
141,941.98 3,548,277.08 $ 8,333.333 141,941.98 22,710.72
147,856.71 3,696,133.79 $ 8,333.333 147,856.71 23,657.07
154,017.89 3,850,151.68 $ 8,333.333 154,017.89 24,642.86
160,435.82 4,010,587.50 $ 8,333.333 160,435.82 25,669.73
167,121.18 4,177,708.68 $ 8,333.333 167,121.18 26,739.39
174,085.12 4,351,793.80 $ 8,333.333 174,085.12 27,853.62
181,339.25 4,533,133.05 $ 8,333.333 181,339.25 29,014.28
188,895.65 4,722,028.71 $ 8,333.333 188,895.65 30,223.30
196,766.94 4,918,795.64 $ 8,333.333 196,766.94 31,482.71
204,966.21 5,123,761.86 $ 8,333.333 204,966.21 32,794.59
213,507.16 5,337,269.01 $ 8,333.333 213,507.16 34,161.15
222,404.00 5,559,673.01 $ 8,333.333 222,404.00 35,584.64
231,671.57 5,791,344.59 $ 8,333.333 231,671.57 37,067.45
$ 5,291,344.59 $ 132,273,456.10 $ 500,000.00 ### $ 846,615.13

Interes Real: 211.65%

= Interes Nominal: 50%
=
=
=

=
=
 Pagos
$ 32,501.93
33,509.04
34,558.11
35,650.90
36,789.22
37,974.98
39,210.14
40,496.78
41,837.03
43,233.13
44,687.41
46,202.28
47,780.28
49,424.03
51,136.28
52,919.88
54,777.80
56,713.14
58,729.13
60,829.12
63,016.62
65,295.28
67,668.88
70,141.39
72,716.93
75,399.80
78,194.46
81,105.57
84,137.99
87,296.77
90,587.18
94,014.69
97,585.04
101,304.15
105,178.25
109,213.78
113,417.46
117,796.32
122,357.64
127,109.04
132,058.42
 137,214.04
142,584.50
148,178.75
154,006.11
160,076.29
166,399.42
172,986.03
179,847.11
186,994.09
194,438.89
202,193.90
210,272.07
218,686.86
227,452.29
236,582.98
246,094.14
256,001.63
266,321.97
277,072.36
$ 5,791,344.59