COSTO TOTAL DE EQUIPO $1,583,429.

00

PRESUPUESTO $1,128,340.00
UTILIDAD MENSUAL ACTUAL $45,000.00

FINANCIERA GLOX FINANCIERA MIUR

PRESTAMO $500,000.00 $500,000.00
TASA INTERES ANUAL 35% 23%
PERIODO (meses) 36 48
TIPO DE PRÉSTAMO SALDOS INSOLUTOS SALDOS INSOLUTOS
PAGOS FIJOS PAGOS FIJOS
 G L O X
Préstamo por $500,000.00 con modelo de Saldos Insolutos
Préstamo $500,000.00
Periodo (meses) 36
Tasa Anual 35%
Tasa Mensual 2.92%

Periodo Capital Amortizaciones Interes IVA Mensualidades

1 $500,000.00 $13,888.89 $14,583.33 $2,333.33 $30,805.56
2 $ 486,111.11 $13,888.89 $14,178.24 $2,268.52 $30,335.65
3 $ 472,222.22 $13,888.89 $13,773.15 $2,203.70 $29,865.74
4 $ 458,333.33 $13,888.89 $13,368.06 $2,138.89 $29,395.83
5 $ 444,444.44 $13,888.89 $12,962.96 $2,074.07 $28,925.93
6 $ 430,555.56 $13,888.89 $12,557.87 $2,009.26 $28,456.02
7 $ 416,666.67 $13,888.89 $12,152.78 $1,944.44 $27,986.11
8 $ 402,777.78 $13,888.89 $11,747.69 $1,879.63 $27,516.20
9 $ 388,888.89 $13,888.89 $11,342.59 $1,814.81 $27,046.30
10 $ 375,000.00 $13,888.89 $10,937.50 $1,750.00 $26,576.39
11 $ 361,111.11 $13,888.89 $10,532.41 $1,685.19 $26,106.48
12 $ 347,222.22 $13,888.89 $10,127.31 $1,620.37 $25,636.57
13 $ 333,333.33 $13,888.89 $9,722.22 $1,555.56 $25,166.67
14 $ 319,444.44 $13,888.89 $9,317.13 $1,490.74 $24,696.76
15 $ 305,555.56 $13,888.89 $8,912.04 $1,425.93 $24,226.85
16 $ 291,666.67 $13,888.89 $8,506.94 $1,361.11 $23,756.94
17 $ 277,777.78 $13,888.89 $8,101.85 $1,296.30 $23,287.04
18 $ 263,888.89 $13,888.89 $7,696.76 $1,231.48 $22,817.13
19 $ 250,000.00 $13,888.89 $7,291.67 $1,166.67 $22,347.22
20 $ 236,111.11 $13,888.89 $6,886.57 $1,101.85 $21,877.31
21 $ 222,222.22 $13,888.89 $6,481.48 $1,037.04 $21,407.41
22 $ 208,333.33 $13,888.89 $6,076.39 $972.22 $20,937.50
23 $ 194,444.44 $13,888.89 $5,671.30 $907.41 $20,467.59
24 $ 180,555.56 $13,888.89 $5,266.20 $842.59 $19,997.69
25 $ 166,666.67 $13,888.89 $4,861.11 $777.78 $19,527.78
26 $ 152,777.78 $13,888.89 $4,456.02 $712.96 $19,057.87
27 $ 138,888.89 $13,888.89 $4,050.93 $648.15 $18,587.96
28 $ 125,000.00 $13,888.89 $3,645.83 $583.33 $18,118.06
29 $ 111,111.11 $13,888.89 $3,240.74 $518.52 $17,648.15
30 $ 97,222.22 $13,888.89 $2,835.65 $453.70 $17,178.24
31 $ 83,333.33 $13,888.89 $2,430.56 $388.89 $16,708.33
32 $ 69,444.44 $13,888.89 $2,025.46 $324.07 $16,238.43
33 $ 55,555.56 $13,888.89 $1,620.37 $259.26 $15,768.52
34 $ 41,666.67 $13,888.89 $1,215.28 $194.44 $15,298.61
35 $ 27,777.78 $13,888.89 $810.19 $129.63 $14,828.70
36 $ 13,888.89 $13,888.89 $405.09 $64.81 $14,358.80
TOTALES $500,000.00 $269,791.67 $43,166.67 $812,958.33
 Préstamo por $500,000.00 con modelo de Pagos fijos
Préstamo $500,000.00
Periodo (meses) 36
Tasa Anual 35%

1.- Tasa Mensual 35% = 2.92%

12

2.- Mensualidad A = P i
´-n
1 - ( 1+ i )

3.- $14,583.33 =
64.48%

4.- Función Pago =

Mensualidad $22,618.02

Periodo Capital Amortizaciones Interes IVA Mensualidad fija

1 $500,000.00 $8,034.69 $14,583.33 $2,333.33 $24,951.35

2 $491,965.31 $8,269.03 $14,348.99 $2,295.84 $24,913.86
3 $ 483,696.28 $8,510.21 $14,107.81 $2,257.25 $24,875.27
4 $ 475,186.07 $8,758.43 $13,859.59 $2,217.53 $24,835.56
5 $ 466,427.64 $9,013.88 $13,604.14 $2,176.66 $24,794.68
6 $ 457,413.76 $9,276.79 $13,341.23 $2,134.60 $24,752.62
7 $ 448,136.97 $9,547.36 $13,070.66 $2,091.31 $24,709.33
8 $ 438,589.61 $9,825.82 $12,792.20 $2,046.75 $24,664.77
9 $ 428,763.79 $10,112.41 $12,505.61 $2,000.90 $24,618.92
10 $ 418,651.38 $10,407.36 $12,210.67 $1,953.71 $24,571.73
11 $ 408,244.03 $10,710.90 $11,907.12 $1,905.14 $24,523.16
12 $ 397,533.12 $11,023.30 $11,594.72 $1,855.15 $24,473.18
13 $ 386,509.82 $11,344.82 $11,273.20 $1,803.71 $24,421.73
14 $ 375,165.00 $11,675.71 $10,942.31 $1,750.77 $24,368.79
15 $ 363,489.29 $12,016.25 $10,601.77 $1,696.28 $24,314.30
16 $ 351,473.04 $12,366.72 $10,251.30 $1,640.21 $24,258.23
17 $ 339,106.32 $12,727.42 $9,890.60 $1,582.50 $24,200.52
18 $ 326,378.90 $13,098.64 $9,519.38 $1,523.10 $24,141.12
 19 $ 313,280.26 $13,480.68 $9,137.34 $1,461.97 $24,080.00
20 $ 299,799.58 $13,873.87 $8,744.15 $1,399.06 $24,017.09
21 $ 285,925.72 $14,278.52 $8,339.50 $1,334.32 $23,952.34
22 $ 271,647.20 $14,694.98 $7,923.04 $1,267.69 $23,885.71
23 $ 256,952.22 $15,123.58 $7,494.44 $1,199.11 $23,817.13
24 $ 241,828.64 $15,564.69 $7,053.34 $1,128.53 $23,746.55
25 $ 226,263.95 $16,018.66 $6,599.37 $1,055.90 $23,673.92
26 $ 210,245.30 $16,485.87 $6,132.15 $981.14 $23,599.17
27 $ 193,759.43 $16,966.70 $5,651.32 $904.21 $23,522.23
28 $ 176,792.73 $17,461.57 $5,156.45 $825.03 $23,443.05
29 $ 159,331.16 $17,970.86 $4,647.16 $743.55 $23,361.57
30 $ 141,360.30 $18,495.01 $4,123.01 $659.68 $23,277.70
31 $ 122,865.29 $19,034.45 $3,583.57 $573.37 $23,191.39
32 $ 103,830.84 $19,589.62 $3,028.40 $484.54 $23,102.56
33 $ 84,241.22 $20,160.99 $2,457.04 $393.13 $23,011.15
34 $ 64,080.23 $20,749.01 $1,869.01 $299.04 $22,917.06
35 $ 43,331.22 $21,354.19 $1,263.83 $202.21 $22,820.23
36 $ 21,977.02 $21,977.02 $641.00 $102.56 $22,720.58
TOTALES $500,000.00 $314,248.74 $50,279.80 $864,528.54
Saldo
$486,111.11
$472,222.22
$458,333.33
$444,444.44
$430,555.56
$416,666.67
$402,777.78
$388,888.89
$375,000.00
$361,111.11
$347,222.22
$333,333.33
$319,444.44
$305,555.56
$291,666.67
$277,777.78
$263,888.89
$250,000.00
$236,111.11
$222,222.22
$208,333.33
$194,444.44
$180,555.56
$166,666.67
$152,777.78
$138,888.89
$125,000.00
$111,111.11
$97,222.22
$83,333.33
$69,444.44
$55,555.56
$41,666.67
$27,777.78
$13,888.89
$0.00
 $22,618.02

$22,618.02

Saldo

$491,965.31
$483,696.28
$475,186.07
$466,427.64
$457,413.76
$448,136.97
$438,589.61
$428,763.79
$418,651.38
$408,244.03
$397,533.12
$386,509.82
$375,165.00
$363,489.29
$351,473.04
$339,106.32
$326,378.90
$313,280.26
$299,799.58
$285,925.72
$271,647.20
$256,952.22
$241,828.64
$226,263.95
$210,245.30
$193,759.43
$176,792.73
$159,331.16
$141,360.30
$122,865.29
$103,830.84
$84,241.22
$64,080.23
$43,331.22
$21,977.02
$0.00
 M I U R
Préstamo por $500,000.00 con modelo de Saldos Insolutos
Préstamo $500,000.00
Periodo (meses) 48
Tasa Anual 23%
Tasa Mensual 1.92%

Periodo Capital Amortizaciones Interes IVA Mensualidades

1 $500,000.00 $10,416.67 $9,583.33 $1,533.33 $21,533.33
2 $ 489,583.33 $10,416.67 $9,383.68 $1,501.39 $21,301.74
3 $ 479,166.67 $10,416.67 $9,184.03 $1,469.44 $21,070.14
4 $ 468,750.00 $10,416.67 $8,984.38 $1,437.50 $20,838.54
5 $ 458,333.33 $10,416.67 $8,784.72 $1,405.56 $20,606.94
6 $ 447,916.67 $10,416.67 $8,585.07 $1,373.61 $20,375.35
7 $ 437,500.00 $10,416.67 $8,385.42 $1,341.67 $20,143.75
8 $ 427,083.33 $10,416.67 $8,185.76 $1,309.72 $19,912.15
9 $ 416,666.67 $10,416.67 $7,986.11 $1,277.78 $19,680.56
10 $ 406,250.00 $10,416.67 $7,786.46 $1,245.83 $19,448.96
11 $ 395,833.33 $10,416.67 $7,586.81 $1,213.89 $19,217.36
12 $ 385,416.67 $10,416.67 $7,387.15 $1,181.94 $18,985.76
13 $ 375,000.00 $10,416.67 $7,187.50 $1,150.00 $18,754.17
14 $ 364,583.33 $10,416.67 $6,987.85 $1,118.06 $18,522.57
15 $ 354,166.67 $10,416.67 $6,788.19 $1,086.11 $18,290.97
16 $ 343,750.00 $10,416.67 $6,588.54 $1,054.17 $18,059.38
17 $ 333,333.33 $10,416.67 $6,388.89 $1,022.22 $17,827.78
18 $ 322,916.67 $10,416.67 $6,189.24 $990.28 $17,596.18
19 $ 312,500.00 $10,416.67 $5,989.58 $958.33 $17,364.58
20 $ 302,083.33 $10,416.67 $5,789.93 $926.39 $17,132.99
21 $ 291,666.67 $10,416.67 $5,590.28 $894.44 $16,901.39
22 $ 281,250.00 $10,416.67 $5,390.63 $862.50 $16,669.79
23 $ 270,833.33 $10,416.67 $5,190.97 $830.56 $16,438.19
24 $ 260,416.67 $10,416.67 $4,991.32 $798.61 $16,206.60
25 $ 250,000.00 $10,416.67 $4,791.67 $766.67 $15,975.00
26 $ 239,583.33 $10,416.67 $4,592.01 $734.72 $15,743.40
27 $ 229,166.67 $10,416.67 $4,392.36 $702.78 $15,511.81
28 $ 218,750.00 $10,416.67 $4,192.71 $670.83 $15,280.21
29 $ 208,333.33 $10,416.67 $3,993.06 $638.89 $15,048.61
30 $ 197,916.67 $10,416.67 $3,793.40 $606.94 $14,817.01
31 $ 187,500.00 $10,416.67 $3,593.75 $575.00 $14,585.42
32 $ 177,083.33 $10,416.67 $3,394.10 $543.06 $14,353.82
33 $ 166,666.67 $10,416.67 $3,194.44 $511.11 $14,122.22
34 $ 156,250.00 $10,416.67 $2,994.79 $479.17 $13,890.63
35 $ 145,833.33 $10,416.67 $2,795.14 $447.22 $13,659.03
36 $ 135,416.67 $10,416.67 $2,595.49 $415.28 $13,427.43
37 $ 125,000.00 $10,416.67 $2,395.83 $383.33 $13,195.83
 38 $ 114,583.33 $10,416.67 $2,196.18 $351.39 $12,964.24
39 $ 104,166.67 $10,416.67 $1,996.53 $319.44 $12,732.64
40 $ 93,750.00 $10,416.67 $1,796.88 $287.50 $12,501.04
41 $ 83,333.33 $10,416.67 $1,597.22 $255.56 $12,269.44
42 $ 72,916.67 $10,416.67 $1,397.57 $223.61 $12,037.85
43 $ 62,500.00 $10,416.67 $1,197.92 $191.67 $11,806.25
44 $ 52,083.33 $10,416.67 $998.26 $159.72 $11,574.65
45 $ 41,666.67 $10,416.67 $798.61 $127.78 $11,343.06
46 $ 31,250.00 $10,416.67 $598.96 $95.83 $11,111.46
47 $ 20,833.33 $10,416.67 $399.31 $63.89 $10,879.86
48 $ 10,416.67 $10,416.67 $199.65 $31.94 $10,648.26
TOTALES $500,000.00 $234,791.67 $37,566.67 $772,358.33

Préstamo por $500,000.00 con modelo de Pagos fijos

Préstamo $500,000.00
Periodo (meses) 48
Tasa Anual 23%

1.- Tasa Mensual 23% = 1.92%

12

2.- Mensualidad A = P i
´-n
1 - ( 1+ i )

3.- $9,583.33 =
59.80%

4.- Función Pago =

Mensualidad $16,025.74

Periodo Capital Amortizaciones Interes IVA Mensualidad fija

1 $500,000.00 $6,442.40 $9,583.33 $1,533.33 $17,559.07

2 $493,557.60 $6,565.88 $9,459.85 $1,513.58 $17,539.31
3 $ 486,991.72 $6,691.73 $9,334.01 $1,493.44 $17,519.18
4 $ 480,299.99 $6,819.99 $9,205.75 $1,472.92 $17,498.66
5 $ 473,480.00 $6,950.70 $9,075.03 $1,452.01 $17,477.74
6 $ 466,529.30 $7,083.92 $8,941.81 $1,430.69 $17,456.43
 7 $ 459,445.38 $7,219.70 $8,806.04 $1,408.97 $17,434.70
8 $ 452,225.68 $7,358.08 $8,667.66 $1,386.83 $17,412.56
9 $ 444,867.60 $7,499.11 $8,526.63 $1,364.26 $17,390.00
10 $ 437,368.49 $7,642.84 $8,382.90 $1,341.26 $17,367.00
11 $ 429,725.65 $7,789.33 $8,236.41 $1,317.83 $17,343.56
12 $ 421,936.32 $7,938.62 $8,087.11 $1,293.94 $17,319.67
13 $ 413,997.70 $8,090.78 $7,934.96 $1,269.59 $17,295.33
14 $ 405,906.92 $8,245.85 $7,779.88 $1,244.78 $17,270.52
15 $ 397,661.07 $8,403.90 $7,621.84 $1,219.49 $17,245.23
16 $ 389,257.17 $8,564.97 $7,460.76 $1,193.72 $17,219.46
17 $ 380,692.20 $8,729.14 $7,296.60 $1,167.46 $17,193.19
18 $ 371,963.06 $8,896.44 $7,129.29 $1,140.69 $17,166.42
19 $ 363,066.62 $9,066.96 $6,958.78 $1,113.40 $17,139.14
20 $ 353,999.66 $9,240.74 $6,784.99 $1,085.60 $17,111.33
21 $ 344,758.92 $9,417.86 $6,607.88 $1,057.26 $17,083.00
22 $ 335,341.06 $9,598.37 $6,427.37 $1,028.38 $17,054.12
23 $ 325,742.69 $9,782.33 $6,243.40 $998.94 $17,024.68
24 $ 315,960.36 $9,969.83 $6,055.91 $968.95 $16,994.68
25 $ 305,990.53 $10,160.92 $5,864.82 $938.37 $16,964.11
26 $ 295,829.61 $10,355.67 $5,670.07 $907.21 $16,932.95
27 $ 285,473.95 $10,554.15 $5,471.58 $875.45 $16,901.19
28 $ 274,919.79 $10,756.44 $5,269.30 $843.09 $16,868.82
29 $ 264,163.36 $10,962.60 $5,063.13 $810.10 $16,835.84
30 $ 253,200.75 $11,172.72 $4,853.01 $776.48 $16,802.22
31 $ 242,028.03 $11,386.87 $4,638.87 $742.22 $16,767.96
32 $ 230,641.16 $11,605.11 $4,420.62 $707.30 $16,733.04
33 $ 219,036.05 $11,827.54 $4,198.19 $671.71 $16,697.45
34 $ 207,208.51 $12,054.24 $3,971.50 $635.44 $16,661.18
35 $ 195,154.27 $12,285.28 $3,740.46 $598.47 $16,624.21
36 $ 182,868.99 $12,520.75 $3,504.99 $560.80 $16,586.53
37 $ 170,348.24 $12,760.73 $3,265.01 $522.40 $16,548.14
38 $ 157,587.51 $13,005.31 $3,020.43 $483.27 $16,509.00
39 $ 144,582.20 $13,254.58 $2,771.16 $443.39 $16,469.12
40 $ 131,327.63 $13,508.62 $2,517.11 $402.74 $16,428.47
41 $ 117,819.00 $13,767.54 $2,258.20 $361.31 $16,387.05
42 $ 104,051.47 $14,031.42 $1,994.32 $319.09 $16,344.83
43 $ 90,020.05 $14,300.35 $1,725.38 $276.06 $16,301.80
44 $ 75,719.70 $14,574.44 $1,451.29 $232.21 $16,257.94
45 $ 61,145.26 $14,853.79 $1,171.95 $187.51 $16,213.25
46 $ 46,291.47 $15,138.48 $887.25 $141.96 $16,167.70
47 $ 31,152.99 $15,428.64 $597.10 $95.54 $16,121.27
48 $ 15,724.35 $15,724.35 $301.38 $48.22 $16,073.96
TOTALES $500,000.00 $269,235.32 $43,077.65 $812,312.97
os

Saldo
$489,583.33
$479,166.67
$468,750.00
$458,333.33
$447,916.67
$437,500.00
$427,083.33
$416,666.67
$406,250.00
$395,833.33
$385,416.67
$375,000.00
$364,583.33
$354,166.67
$343,750.00
$333,333.33
$322,916.67
$312,500.00
$302,083.33
$291,666.67
$281,250.00
$270,833.33
$260,416.67
$250,000.00
$239,583.33
$229,166.67
$218,750.00
$208,333.33
$197,916.67
$187,500.00
$177,083.33
$166,666.67
$156,250.00
$145,833.33
$135,416.67
$125,000.00
$114,583.33
$104,166.67
$93,750.00
$83,333.33
$72,916.67
$62,500.00
$52,083.33
$41,666.67
$31,250.00
$20,833.33
$10,416.67
-$0.00

$16,025.74

$16,025.74

Saldo

$493,557.60
$486,991.72
$480,299.99
$473,480.00
$466,529.30
$459,445.38
$452,225.68
$444,867.60
$437,368.49
$429,725.65
$421,936.32
$413,997.70
$405,906.92
$397,661.07
$389,257.17
$380,692.20
$371,963.06
$363,066.62
$353,999.66
$344,758.92
$335,341.06
$325,742.69
$315,960.36
$305,990.53
$295,829.61
$285,473.95
$274,919.79
$264,163.36
$253,200.75
$242,028.03
$230,641.16
$219,036.05
$207,208.51
$195,154.27
$182,868.99
$170,348.24
$157,587.51
$144,582.20
$131,327.63
$117,819.00
$104,051.47
$90,020.05
$75,719.70
$61,145.26
$46,291.47
$31,152.99
$15,724.35
-$0.00