TALLER EN CLASE

Presentado por:
Carol Andrea Diaz Salgado
ID 265441 
Carolina Garzon Quintero
ID 682064
Orlando Tunjano Sandoval
ID 474554

 Presentado a:
Juan Carlos Robles

Corporación Universitaria Minuto de Dios Modalidad virtual

Facultad de Ciencias Empresariales
Diplomado
Introduccion a las finanzas NRC 52-226
Bogotá D.C. 09 de octubre de 2021
Si una persona desea adquirir vivienda cuyo valor comercial es de 124.500.000 para ello tiene dos opciones de pago la primera es un préstamo del 70% del valor co
inmueble para ser pagado en 15 años en cuotas mensuales la tasa de interés asumida para el préstamo es del 0.82% E.M

Valor inmueble $ 124,500,000.00

Prestamo $ 87,150,000 70% $ 87,150,000.00
tasa 0.82% EM
CUOTA
periodo 180 MESES
cuota -$ 928,006.29
$ 928,006.29

No. interes cuota abono saldo

0 $ 87,150,000.00
1 $ 714,630.00 $ 928,006.29 $ 213,376.29 $ 86,936,623.71
2 $ 712,880.31 $ 928,006.29 $ 215,125.98 $ 86,721,497.73
3 $ 711,116.28 $ 928,006.29 $ 216,890.01 $ 86,504,607.72
4 $ 709,337.78 $ 928,006.29 $ 218,668.51 $ 86,285,939.21
5 $ 707,544.70 $ 928,006.29 $ 220,461.59 $ 86,065,477.63
6 $ 705,736.92 $ 928,006.29 $ 222,269.37 $ 85,843,208.25
7 $ 703,914.31 $ 928,006.29 $ 224,091.98 $ 85,619,116.27
8 $ 702,076.75 $ 928,006.29 $ 225,929.54 $ 85,393,186.73
9 $ 700,224.13 $ 928,006.29 $ 227,782.16 $ 85,165,404.57
10 $ 698,356.32 $ 928,006.29 $ 229,649.97 $ 84,935,754.60
11 $ 696,473.19 $ 928,006.29 $ 231,533.10 $ 84,704,221.49
12 $ 694,574.62 $ 928,006.29 $ 233,431.67 $ 84,470,789.82
13 $ 692,660.48 $ 928,006.29 $ 235,345.81 $ 84,235,444.00
14 $ 690,730.64 $ 928,006.29 $ 237,275.65 $ 83,998,168.35
15 $ 688,784.98 $ 928,006.29 $ 239,221.31 $ 83,758,947.04
16 $ 686,823.37 $ 928,006.29 $ 241,182.93 $ 83,517,764.12
17 $ 684,845.67 $ 928,006.29 $ 243,160.63 $ 83,274,603.49
18 $ 682,851.75 $ 928,006.29 $ 245,154.54 $ 83,029,448.95
19 $ 680,841.48 $ 928,006.29 $ 247,164.81 $ 82,782,284.14
20 $ 678,814.73 $ 928,006.29 $ 249,191.56 $ 82,533,092.58
21 $ 676,771.36 $ 928,006.29 $ 251,234.93 $ 82,281,857.65
22 $ 674,711.23 $ 928,006.29 $ 253,295.06 $ 82,028,562.59
23 $ 672,634.21 $ 928,006.29 $ 255,372.08 $ 81,773,190.51
24 $ 670,540.16 $ 928,006.29 $ 257,466.13 $ 81,515,724.38
25 $ 668,428.94 $ 928,006.29 $ 259,577.35 $ 81,256,147.03
26 $ 666,300.41 $ 928,006.29 $ 261,705.89 $ 80,994,441.14
27 $ 664,154.42 $ 928,006.29 $ 263,851.87 $ 80,730,589.27
28 $ 661,990.83 $ 928,006.29 $ 266,015.46 $ 80,464,573.81
29 $ 659,809.51 $ 928,006.29 $ 268,196.79 $ 80,196,377.03
30 $ 657,610.29 $ 928,006.29 $ 270,396.00 $ 79,925,981.03
31 $ 655,393.04 $ 928,006.29 $ 272,613.25 $ 79,653,367.78
32 $ 653,157.62 $ 928,006.29 $ 274,848.68 $ 79,378,519.10
33 $ 650,903.86 $ 928,006.29 $ 277,102.43 $ 79,101,416.67
34 $ 648,631.62 $ 928,006.29 $ 279,374.67 $ 78,822,041.99
35 $ 646,340.74 $ 928,006.29 $ 281,665.55 $ 78,540,376.45
36 $ 644,031.09 $ 928,006.29 $ 283,975.20 $ 78,256,401.24
37 $ 641,702.49 $ 928,006.29 $ 286,303.80 $ 77,970,097.44
38 $ 639,354.80 $ 928,006.29 $ 288,651.49 $ 77,681,445.95
39 $ 636,987.86 $ 928,006.29 $ 291,018.43 $ 77,390,427.52
40 $ 634,601.51 $ 928,006.29 $ 293,404.79 $ 77,097,022.73
41 $ 632,195.59 $ 928,006.29 $ 295,810.70 $ 76,801,212.03
42 $ 629,769.94 $ 928,006.29 $ 298,236.35 $ 76,502,975.67
43 $ 627,324.40 $ 928,006.29 $ 300,681.89 $ 76,202,293.78
44 $ 624,858.81 $ 928,006.29 $ 303,147.48 $ 75,899,146.30
45 $ 622,373.00 $ 928,006.29 $ 305,633.29 $ 75,593,513.01
46 $ 619,866.81 $ 928,006.29 $ 308,139.48 $ 75,285,373.52
47 $ 617,340.06 $ 928,006.29 $ 310,666.23 $ 74,974,707.30
48 $ 614,792.60 $ 928,006.29 $ 313,213.69 $ 74,661,493.61
49 $ 612,224.25 $ 928,006.29 $ 315,782.04 $ 74,345,711.56
50 $ 609,634.83 $ 928,006.29 $ 318,371.46 $ 74,027,340.11
51 $ 607,024.19 $ 928,006.29 $ 320,982.10 $ 73,706,358.00
52 $ 604,392.14 $ 928,006.29 $ 323,614.16 $ 73,382,743.85
53 $ 601,738.50 $ 928,006.29 $ 326,267.79 $ 73,056,476.06
54 $ 599,063.10 $ 928,006.29 $ 328,943.19 $ 72,727,532.87
55 $ 596,365.77 $ 928,006.29 $ 331,640.52 $ 72,395,892.35
56 $ 593,646.32 $ 928,006.29 $ 334,359.97 $ 72,061,532.37
57 $ 590,904.57 $ 928,006.29 $ 337,101.73 $ 71,724,430.65
58 $ 588,140.33 $ 928,006.29 $ 339,865.96 $ 71,384,564.69
59 $ 585,353.43 $ 928,006.29 $ 342,652.86 $ 71,041,911.83
60 $ 582,543.68 $ 928,006.29 $ 345,462.61 $ 70,696,449.21
61 $ 579,710.88 $ 928,006.29 $ 348,295.41 $ 70,348,153.81
62 $ 576,854.86 $ 928,006.29 $ 351,151.43 $ 69,997,002.38
63 $ 573,975.42 $ 928,006.29 $ 354,030.87 $ 69,642,971.50
64 $ 571,072.37 $ 928,006.29 $ 356,933.92 $ 69,286,037.58
65 $ 568,145.51 $ 928,006.29 $ 359,860.78 $ 68,926,176.80
66 $ 565,194.65 $ 928,006.29 $ 362,811.64 $ 68,563,365.15
67 $ 562,219.59 $ 928,006.29 $ 365,786.70 $ 68,197,578.46
68 $ 559,220.14 $ 928,006.29 $ 368,786.15 $ 67,828,792.31
69 $ 556,196.10 $ 928,006.29 $ 371,810.19 $ 67,456,982.12
70 $ 553,147.25 $ 928,006.29 $ 374,859.04 $ 67,082,123.08
71 $ 550,073.41 $ 928,006.29 $ 377,932.88 $ 66,704,190.20
72 $ 546,974.36 $ 928,006.29 $ 381,031.93 $ 66,323,158.26
73 $ 543,849.90 $ 928,006.29 $ 384,156.39 $ 65,939,001.87
74 $ 540,699.82 $ 928,006.29 $ 387,306.48 $ 65,551,695.40
75 $ 537,523.90 $ 928,006.29 $ 390,482.39 $ 65,161,213.01
76 $ 534,321.95 $ 928,006.29 $ 393,684.34 $ 64,767,528.66
77 $ 531,093.74 $ 928,006.29 $ 396,912.56 $ 64,370,616.11
78 $ 527,839.05 $ 928,006.29 $ 400,167.24 $ 63,970,448.87
79 $ 524,557.68 $ 928,006.29 $ 403,448.61 $ 63,567,000.26
80 $ 521,249.40 $ 928,006.29 $ 406,756.89 $ 63,160,243.37
81 $ 517,914.00 $ 928,006.29 $ 410,092.30 $ 62,750,151.07
82 $ 514,551.24 $ 928,006.29 $ 413,455.05 $ 62,336,696.02
83 $ 511,160.91 $ 928,006.29 $ 416,845.38 $ 61,919,850.64
 84 $ 507,742.78 $ 928,006.29 $ 420,263.52 $ 61,499,587.12
85 $ 504,296.61 $ 928,006.29 $ 423,709.68 $ 61,075,877.44
86 $ 500,822.20 $ 928,006.29 $ 427,184.10 $ 60,648,693.35
87 $ 497,319.29 $ 928,006.29 $ 430,687.01 $ 60,218,006.34
88 $ 493,787.65 $ 928,006.29 $ 434,218.64 $ 59,783,787.70
89 $ 490,227.06 $ 928,006.29 $ 437,779.23 $ 59,346,008.47
90 $ 486,637.27 $ 928,006.29 $ 441,369.02 $ 58,904,639.45
91 $ 483,018.04 $ 928,006.29 $ 444,988.25 $ 58,459,651.20
92 $ 479,369.14 $ 928,006.29 $ 448,637.15 $ 58,011,014.05
93 $ 475,690.32 $ 928,006.29 $ 452,315.98 $ 57,558,698.07
94 $ 471,981.32 $ 928,006.29 $ 456,024.97 $ 57,102,673.11
95 $ 468,241.92 $ 928,006.29 $ 459,764.37 $ 56,642,908.74
96 $ 464,471.85 $ 928,006.29 $ 463,534.44 $ 56,179,374.30
97 $ 460,670.87 $ 928,006.29 $ 467,335.42 $ 55,712,038.87
98 $ 456,838.72 $ 928,006.29 $ 471,167.57 $ 55,240,871.30
99 $ 452,975.14 $ 928,006.29 $ 475,031.15 $ 54,765,840.16
100 $ 449,079.89 $ 928,006.29 $ 478,926.40 $ 54,286,913.75
101 $ 445,152.69 $ 928,006.29 $ 482,853.60 $ 53,804,060.16
102 $ 441,193.29 $ 928,006.29 $ 486,813.00 $ 53,317,247.16
103 $ 437,201.43 $ 928,006.29 $ 490,804.86 $ 52,826,442.29
104 $ 433,176.83 $ 928,006.29 $ 494,829.46 $ 52,331,612.83
105 $ 429,119.23 $ 928,006.29 $ 498,887.07 $ 51,832,725.76
106 $ 425,028.35 $ 928,006.29 $ 502,977.94 $ 51,329,747.82
107 $ 420,903.93 $ 928,006.29 $ 507,102.36 $ 50,822,645.46
108 $ 416,745.69 $ 928,006.29 $ 511,260.60 $ 50,311,384.87
109 $ 412,553.36 $ 928,006.29 $ 515,452.94 $ 49,795,931.93
110 $ 408,326.64 $ 928,006.29 $ 519,679.65 $ 49,276,252.28
111 $ 404,065.27 $ 928,006.29 $ 523,941.02 $ 48,752,311.26
112 $ 399,768.95 $ 928,006.29 $ 528,237.34 $ 48,224,073.92
113 $ 395,437.41 $ 928,006.29 $ 532,568.88 $ 47,691,505.04
114 $ 391,070.34 $ 928,006.29 $ 536,935.95 $ 47,154,569.09
115 $ 386,667.47 $ 928,006.29 $ 541,338.82 $ 46,613,230.26
116 $ 382,228.49 $ 928,006.29 $ 545,777.80 $ 46,067,452.46
117 $ 377,753.11 $ 928,006.29 $ 550,253.18 $ 45,517,199.28
118 $ 373,241.03 $ 928,006.29 $ 554,765.26 $ 44,962,434.02
119 $ 368,691.96 $ 928,006.29 $ 559,314.33 $ 44,403,119.69
120 $ 364,105.58 $ 928,006.29 $ 563,900.71 $ 43,839,218.98
121 $ 359,481.60 $ 928,006.29 $ 568,524.70 $ 43,270,694.28
122 $ 354,819.69 $ 928,006.29 $ 573,186.60 $ 42,697,507.68
123 $ 350,119.56 $ 928,006.29 $ 577,886.73 $ 42,119,620.96
124 $ 345,380.89 $ 928,006.29 $ 582,625.40 $ 41,536,995.56
125 $ 340,603.36 $ 928,006.29 $ 587,402.93 $ 40,949,592.63
126 $ 335,786.66 $ 928,006.29 $ 592,219.63 $ 40,357,373.00
127 $ 330,930.46 $ 928,006.29 $ 597,075.83 $ 39,760,297.17
128 $ 326,034.44 $ 928,006.29 $ 601,971.85 $ 39,158,325.31
129 $ 321,098.27 $ 928,006.29 $ 606,908.02 $ 38,551,417.29
130 $ 316,121.62 $ 928,006.29 $ 611,884.67 $ 37,939,532.62
131 $ 311,104.17 $ 928,006.29 $ 616,902.12 $ 37,322,630.49
132 $ 306,045.57 $ 928,006.29 $ 621,960.72 $ 36,700,669.77
133 $ 300,945.49 $ 928,006.29 $ 627,060.80 $ 36,073,608.97
134 $ 295,803.59 $ 928,006.29 $ 632,202.70 $ 35,441,406.28
135 $ 290,619.53 $ 928,006.29 $ 637,386.76 $ 34,804,019.52
136 $ 285,392.96 $ 928,006.29 $ 642,613.33 $ 34,161,406.19
137 $ 280,123.53 $ 928,006.29 $ 647,882.76 $ 33,513,523.43
138 $ 274,810.89 $ 928,006.29 $ 653,195.40 $ 32,860,328.03
139 $ 269,454.69 $ 928,006.29 $ 658,551.60 $ 32,201,776.43
140 $ 264,054.57 $ 928,006.29 $ 663,951.72 $ 31,537,824.70
141 $ 258,610.16 $ 928,006.29 $ 669,396.13 $ 30,868,428.57
142 $ 253,121.11 $ 928,006.29 $ 674,885.18 $ 30,193,543.40
143 $ 247,587.06 $ 928,006.29 $ 680,419.24 $ 29,513,124.16
144 $ 242,007.62 $ 928,006.29 $ 685,998.67 $ 28,827,125.49
145 $ 236,382.43 $ 928,006.29 $ 691,623.86 $ 28,135,501.63
146 $ 230,711.11 $ 928,006.29 $ 697,295.18 $ 27,438,206.45
147 $ 224,993.29 $ 928,006.29 $ 703,013.00 $ 26,735,193.45
148 $ 219,228.59 $ 928,006.29 $ 708,777.70 $ 26,026,415.74
149 $ 213,416.61 $ 928,006.29 $ 714,589.68 $ 25,311,826.06
150 $ 207,556.97 $ 928,006.29 $ 720,449.32 $ 24,591,376.74
151 $ 201,649.29 $ 928,006.29 $ 726,357.00 $ 23,865,019.74
152 $ 195,693.16 $ 928,006.29 $ 732,313.13 $ 23,132,706.61
153 $ 189,688.19 $ 928,006.29 $ 738,318.10 $ 22,394,388.52
154 $ 183,633.99 $ 928,006.29 $ 744,372.31 $ 21,650,016.21
155 $ 177,530.13 $ 928,006.29 $ 750,476.16 $ 20,899,540.05
156 $ 171,376.23 $ 928,006.29 $ 756,630.06 $ 20,142,909.99
157 $ 165,171.86 $ 928,006.29 $ 762,834.43 $ 19,380,075.56
158 $ 158,916.62 $ 928,006.29 $ 769,089.67 $ 18,610,985.89
159 $ 152,610.08 $ 928,006.29 $ 775,396.21 $ 17,835,589.68
160 $ 146,251.84 $ 928,006.29 $ 781,754.46 $ 17,053,835.23
161 $ 139,841.45 $ 928,006.29 $ 788,164.84 $ 16,265,670.39
162 $ 133,378.50 $ 928,006.29 $ 794,627.79 $ 15,471,042.59
163 $ 126,862.55 $ 928,006.29 $ 801,143.74 $ 14,669,898.85
164 $ 120,293.17 $ 928,006.29 $ 807,713.12 $ 13,862,185.73
165 $ 113,669.92 $ 928,006.29 $ 814,336.37 $ 13,047,849.36
166 $ 106,992.36 $ 928,006.29 $ 821,013.93 $ 12,226,835.43
167 $ 100,260.05 $ 928,006.29 $ 827,746.24 $ 11,399,089.19
168 $ 93,472.53 $ 928,006.29 $ 834,533.76 $ 10,564,555.43
169 $ 86,629.35 $ 928,006.29 $ 841,376.94 $ 9,723,178.50
170 $ 79,730.06 $ 928,006.29 $ 848,276.23 $ 8,874,902.27
171 $ 72,774.20 $ 928,006.29 $ 855,232.09 $ 8,019,670.18
172 $ 65,761.30 $ 928,006.29 $ 862,245.00 $ 7,157,425.18
173 $ 58,690.89 $ 928,006.29 $ 869,315.40 $ 6,288,109.78
174 $ 51,562.50 $ 928,006.29 $ 876,443.79 $ 5,411,665.99
175 $ 44,375.66 $ 928,006.29 $ 883,630.63 $ 4,528,035.36
176 $ 37,129.89 $ 928,006.29 $ 890,876.40 $ 3,637,158.96
177 $ 29,824.70 $ 928,006.29 $ 898,181.59 $ 2,738,977.37
178 $ 22,459.61 $ 928,006.29 $ 905,546.68 $ 1,833,430.69
179 $ 15,034.13 $ 928,006.29 $ 912,972.16 $ 920,458.53
180 $ 7,547.76 $ 928,006.29 $ 920,458.53 $ 0.00
interes cuota abono saldo
$ 79,891,132.40 $ 167,041,132.40 $ 246,932,264.80
éstamo del 70% del valor comercial del
0.82% E.M
EJERCICIO

Una persona desea adquirir vivienda cuyo valor comercial es de $124.500.000 pesos para ello tiene dos opciones de
pago.
1. préstamo por el 70% del valor del inmueble para ser pagado en 15 años en cuotas mensuales la tasa de interés
asumida para el préstamo es de 0.82% E.M.
2. Prestamo por el 80% del valor comercial del inmueble para ser pagado mediante UVR en cuotas mensules durante
20 años, para ello el banco establese las siguientes condiciones:
Tasa de Interes 0,67% E.M.
Valor de UVR dia del Prestamo 283,7405.
Variacion mensual del IPC 0,43%

Prestamo $ 124,500,000
Porcentaje Prestamo 80% Periodos
20 Años 0
Plazo
240 Meses 1
Interes 0.67% E.M. 2
UVR 283.7405 Día Prestámo 3
1UVR 0.43% $ 283.74 4
5
$ 99,600,000 Prestamo 80% 6
Cuota -$ 835,575.48 7
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a ello tiene dos opciones de

ensuales la tasa de interés

en cuotas mensules durante

Saldo Cuota Interés Amortización Cuota Pesos Interéses

351,024.9682 0 0 0
350,431.9775 $ 2,944.8580 2351.8673 $ 592.9907 $ 835,575.48 667,320
349,835.0138 $ 2,944.8580 2347.8942 $ 596.9638 $ 835,575.48 666,193
349,234.0504 $ 2,944.8580 2343.8946 $ 600.9634 $ 835,575.48 665,058
348,629.0605 $ 2,944.8580 2339.8681 $ 604.9899 $ 835,575.48 663,915
348,020.0172 $ 2,944.8580 2335.8147 $ 609.0433 $ 835,575.48 662,765
347,406.8933 $ 2,944.8580 2331.7341 $ 613.1239 $ 835,575.48 661,607
346,789.6615 $ 2,944.8580 2327.6262 $ 617.2318 $ 835,575.48 660,442
346,168.2942 $ 2,944.8580 2323.4907 $ 621.3673 $ 835,575.48 659,268
345,542.7638 $ 2,944.8580 2319.3276 $ 625.5304 $ 835,575.48 658,087
344,913.0423 $ 2,944.8580 2315.1365 $ 629.7215 $ 835,575.48 656,898
344,279.1017 $ 2,944.8580 2310.9174 $ 633.9406 $ 835,575.48 655,701
343,640.9137 $ 2,944.8580 2306.6700 $ 638.1880 $ 835,575.48 654,496
342,998.4498 $ 2,944.8580 2302.3941 $ 642.4639 $ 835,575.48 653,282
342,351.6814 $ 2,944.8580 2298.0896 $ 646.7684 $ 835,575.48 652,061
341,700.5797 $ 2,944.8580 2293.7563 $ 651.1017 $ 835,575.48 650,832
341,045.1156 $ 2,944.8580 2289.3939 $ 655.4641 $ 835,575.48 649,594
340,385.2599 $ 2,944.8580 2285.0023 $ 659.8557 $ 835,575.48 648,348
339,720.9831 $ 2,944.8580 2280.5812 $ 664.2768 $ 835,575.48 647,093
339,052.2557 $ 2,944.8580 2276.1306 $ 668.7274 $ 835,575.48 645,830
338,379.0478 $ 2,944.8580 2271.6501 $ 673.2079 $ 835,575.48 644,559
337,701.3294 $ 2,944.8580 2267.1396 $ 677.7184 $ 835,575.48 643,279
337,019.0703 $ 2,944.8580 2262.5989 $ 682.2591 $ 835,575.48 641,991
336,332.2401 $ 2,944.8580 2258.0278 $ 686.8302 $ 835,575.48 640,694
335,640.8081 $ 2,944.8580 2253.4260 $ 691.4320 $ 835,575.48 639,388
334,944.7435 $ 2,944.8580 2248.7934 $ 696.0646 $ 835,575.48 638,074
334,244.0153 $ 2,944.8580 2244.1298 $ 700.7282 $ 835,575.48 636,751
333,538.5922 $ 2,944.8580 2239.4349 $ 705.4231 $ 835,575.48 635,418
332,828.4428 $ 2,944.8580 2234.7086 $ 710.1494 $ 835,575.48 634,077
332,113.5354 $ 2,944.8580 2229.9506 $ 714.9074 $ 835,575.48 632,727
331,393.8380 $ 2,944.8580 2225.1607 $ 719.6973 $ 835,575.48 631,368
330,669.3188 $ 2,944.8580 2220.3387 $ 724.5193 $ 835,575.48 630,000
329,939.9452 $ 2,944.8580 2215.4844 $ 729.3736 $ 835,575.48 628,623
329,205.6848 $ 2,944.8580 2210.5976 $ 734.2604 $ 835,575.48 627,236
328,466.5049 $ 2,944.8580 2205.6781 $ 739.1799 $ 835,575.48 625,840
327,722.3725 $ 2,944.8580 2200.7256 $ 744.1324 $ 835,575.48 624,435
326,973.2544 $ 2,944.8580 2195.7399 $ 749.1181 $ 835,575.48 623,020
326,219.1172 $ 2,944.8580 2190.7208 $ 754.1372 $ 835,575.48 621,596
325,459.9273 $ 2,944.8580 2185.6681 $ 759.1899 $ 835,575.48 620,163
324,695.6508 $ 2,944.8580 2180.5815 $ 764.2765 $ 835,575.48 618,719
323,926.2537 $ 2,944.8580 2175.4609 $ 769.3971 $ 835,575.48 617,266
323,151.7016 $ 2,944.8580 2170.3059 $ 774.5521 $ 835,575.48 615,804
322,371.9600 $ 2,944.8580 2165.1164 $ 779.7416 $ 835,575.48 614,331
321,586.9941 $ 2,944.8580 2159.8921 $ 784.9659 $ 835,575.48 612,849
320,796.7690 $ 2,944.8580 2154.6329 $ 790.2251 $ 835,575.48 611,357
320,001.2493 $ 2,944.8580 2149.3384 $ 795.5196 $ 835,575.48 609,854
319,200.3997 $ 2,944.8580 2144.0084 $ 800.8496 $ 835,575.48 608,342
318,394.1844 $ 2,944.8580 2138.6427 $ 806.2153 $ 835,575.48 606,820
317,582.5674 $ 2,944.8580 2133.2410 $ 811.6170 $ 835,575.48 605,287
316,765.5126 $ 2,944.8580 2127.8032 $ 817.0548 $ 835,575.48 603,744
315,942.9835 $ 2,944.8580 2122.3289 $ 822.5291 $ 835,575.48 602,191
315,114.9435 $ 2,944.8580 2116.8180 $ 828.0400 $ 835,575.48 600,627
314,281.3556 $ 2,944.8580 2111.2701 $ 833.5879 $ 835,575.48 599,053
313,442.1827 $ 2,944.8580 2105.6851 $ 839.1729 $ 835,575.48 597,468
312,597.3873 $ 2,944.8580 2100.0626 $ 844.7954 $ 835,575.48 595,873
311,746.9318 $ 2,944.8580 2094.4025 $ 850.4555 $ 835,575.48 594,267
310,890.7783 $ 2,944.8580 2088.7044 $ 856.1536 $ 835,575.48 592,650
310,028.8885 $ 2,944.8580 2082.9682 $ 861.8898 $ 835,575.48 591,022
309,161.2241 $ 2,944.8580 2077.1936 $ 867.6644 $ 835,575.48 589,384
308,287.7463 $ 2,944.8580 2071.3802 $ 873.4778 $ 835,575.48 587,734
307,408.4162 $ 2,944.8580 2065.5279 $ 879.3301 $ 835,575.48 586,074
306,523.1945 $ 2,944.8580 2059.6364 $ 885.2216 $ 835,575.48 584,402
305,632.0419 $ 2,944.8580 2053.7054 $ 891.1526 $ 835,575.48 582,719
304,734.9186 $ 2,944.8580 2047.7347 $ 897.1233 $ 835,575.48 581,025
303,831.7846 $ 2,944.8580 2041.7240 $ 903.1340 $ 835,575.48 579,320
302,922.5995 $ 2,944.8580 2035.6730 $ 909.1850 $ 835,575.48 577,603
302,007.3230 $ 2,944.8580 2029.5814 $ 915.2766 $ 835,575.48 575,874
301,085.9140 $ 2,944.8580 2023.4491 $ 921.4089 $ 835,575.48 574,134
300,158.3316 $ 2,944.8580 2017.2756 $ 927.5824 $ 835,575.48 572,383
299,224.5345 $ 2,944.8580 2011.0608 $ 933.7972 $ 835,575.48 570,619
298,284.4809 $ 2,944.8580 2004.8044 $ 940.0536 $ 835,575.48 568,844
297,338.1289 $ 2,944.8580 1998.5060 $ 946.3520 $ 835,575.48 567,057
296,385.4363 $ 2,944.8580 1992.1655 $ 952.6925 $ 835,575.48 565,258
295,426.3608 $ 2,944.8580 1985.7824 $ 959.0756 $ 835,575.48 563,447
294,460.8594 $ 2,944.8580 1979.3566 $ 965.5014 $ 835,575.48 561,624
293,488.8891 $ 2,944.8580 1972.8878 $ 971.9702 $ 835,575.48 559,788
292,510.4067 $ 2,944.8580 1966.3756 $ 978.4824 $ 835,575.48 557,940
291,525.3684 $ 2,944.8580 1959.8197 $ 985.0383 $ 835,575.48 556,080
290,533.7304 $ 2,944.8580 1953.2200 $ 991.6380 $ 835,575.48 554,208
289,535.4484 $ 2,944.8580 1946.5760 $ 998.2820 $ 835,575.48 552,322
288,530.4779 $ 2,944.8580 1939.8875 $ 1,004.9705 $ 835,575.48 550,425
287,518.7741 $ 2,944.8580 1933.1542 $ 1,011.7038 $ 835,575.48 548,514
286,500.2919 $ 2,944.8580 1926.3758 $ 1,018.4822 $ 835,575.48 546,591
285,474.9858 $ 2,944.8580 1919.5520 $ 1,025.3060 $ 835,575.48 544,655
284,442.8102 $ 2,944.8580 1912.6824 $ 1,032.1756 $ 835,575.48 542,705
283,403.7191 $ 2,944.8580 1905.7668 $ 1,039.0912 $ 835,575.48 540,743
282,357.6660 $ 2,944.8580 1898.8049 $ 1,046.0531 $ 835,575.48 538,768
281,304.6044 $ 2,944.8580 1891.7964 $ 1,053.0616 $ 835,575.48 536,779
280,244.4872 $ 2,944.8580 1884.7408 $ 1,060.1172 $ 835,575.48 534,777
279,177.2673 $ 2,944.8580 1877.6381 $ 1,067.2199 $ 835,575.48 532,762
278,102.8970 $ 2,944.8580 1870.4877 $ 1,074.3703 $ 835,575.48 530,733
277,021.3284 $ 2,944.8580 1863.2894 $ 1,081.5686 $ 835,575.48 528,691
275,932.5133 $ 2,944.8580 1856.0429 $ 1,088.8151 $ 835,575.48 526,635
274,836.4031 $ 2,944.8580 1848.7478 $ 1,096.1102 $ 835,575.48 524,565
273,732.9490 $ 2,944.8580 1841.4039 $ 1,103.4541 $ 835,575.48 522,481
272,622.1018 $ 2,944.8580 1834.0108 $ 1,110.8472 $ 835,575.48 520,383
271,503.8118 $ 2,944.8580 1826.5681 $ 1,118.2899 $ 835,575.48 518,271
270,378.0294 $ 2,944.8580 1819.0755 $ 1,125.7825 $ 835,575.48 516,145
269,244.7042 $ 2,944.8580 1811.5328 $ 1,133.3252 $ 835,575.48 514,005
268,103.7857 $ 2,944.8580 1803.9395 $ 1,140.9185 $ 835,575.48 511,851
266,955.2231 $ 2,944.8580 1796.2954 $ 1,148.5626 $ 835,575.48 509,682
265,798.9651 $ 2,944.8580 1788.6000 $ 1,156.2580 $ 835,575.48 507,498
264,634.9601 $ 2,944.8580 1780.8531 $ 1,164.0049 $ 835,575.48 505,300
263,463.1564 $ 2,944.8580 1773.0542 $ 1,171.8038 $ 835,575.48 503,087
262,283.5015 $ 2,944.8580 1765.2031 $ 1,179.6549 $ 835,575.48 500,860
261,095.9430 $ 2,944.8580 1757.2995 $ 1,187.5585 $ 835,575.48 498,617
259,900.4278 $ 2,944.8580 1749.3428 $ 1,195.5152 $ 835,575.48 496,359
258,696.9027 $ 2,944.8580 1741.3329 $ 1,203.5251 $ 835,575.48 494,087
257,485.3139 $ 2,944.8580 1733.2692 $ 1,211.5888 $ 835,575.48 491,799
256,265.6075 $ 2,944.8580 1725.1516 $ 1,219.7064 $ 835,575.48 489,495
255,037.7291 $ 2,944.8580 1716.9796 $ 1,227.8784 $ 835,575.48 487,177
253,801.6239 $ 2,944.8580 1708.7528 $ 1,236.1052 $ 835,575.48 484,842
252,557.2367 $ 2,944.8580 1700.4709 $ 1,244.3871 $ 835,575.48 482,492
251,304.5122 $ 2,944.8580 1692.1335 $ 1,252.7245 $ 835,575.48 480,127
250,043.3945 $ 2,944.8580 1683.7402 $ 1,261.1178 $ 835,575.48 477,745
248,773.8272 $ 2,944.8580 1675.2907 $ 1,269.5673 $ 835,575.48 475,348
247,495.7539 $ 2,944.8580 1666.7846 $ 1,278.0734 $ 835,575.48 472,934
246,209.1174 $ 2,944.8580 1658.2216 $ 1,286.6364 $ 835,575.48 470,505
244,913.8605 $ 2,944.8580 1649.6011 $ 1,295.2569 $ 835,575.48 468,059
243,609.9254 $ 2,944.8580 1640.9229 $ 1,303.9351 $ 835,575.48 465,596
242,297.2539 $ 2,944.8580 1632.1865 $ 1,312.6715 $ 835,575.48 463,117
240,975.7875 $ 2,944.8580 1623.3916 $ 1,321.4664 $ 835,575.48 460,622
239,645.4672 $ 2,944.8580 1614.5378 $ 1,330.3202 $ 835,575.48 458,110
238,306.2339 $ 2,944.8580 1605.6246 $ 1,339.2334 $ 835,575.48 455,581
236,958.0276 $ 2,944.8580 1596.6518 $ 1,348.2062 $ 835,575.48 453,035
235,600.7884 $ 2,944.8580 1587.6188 $ 1,357.2392 $ 835,575.48 450,472
234,234.4557 $ 2,944.8580 1578.5253 $ 1,366.3327 $ 835,575.48 447,892
232,858.9686 $ 2,944.8580 1569.3709 $ 1,375.4871 $ 835,575.48 445,294
231,474.2656 $ 2,944.8580 1560.1551 $ 1,384.7029 $ 835,575.48 442,679
230,080.2852 $ 2,944.8580 1550.8776 $ 1,393.9804 $ 835,575.48 440,047
228,676.9651 $ 2,944.8580 1541.5379 $ 1,403.3201 $ 835,575.48 437,397
227,264.2428 $ 2,944.8580 1532.1357 $ 1,412.7223 $ 835,575.48 434,729
225,842.0552 $ 2,944.8580 1522.6704 $ 1,422.1876 $ 835,575.48 432,043
224,410.3390 $ 2,944.8580 1513.1418 $ 1,431.7162 $ 835,575.48 429,340
222,969.0303 $ 2,944.8580 1503.5493 $ 1,441.3087 $ 835,575.48 426,618
221,518.0648 $ 2,944.8580 1493.8925 $ 1,450.9655 $ 835,575.48 423,878
220,057.3778 $ 2,944.8580 1484.1710 $ 1,460.6870 $ 835,575.48 421,119
218,586.9042 $ 2,944.8580 1474.3844 $ 1,470.4736 $ 835,575.48 418,343
217,106.5785 $ 2,944.8580 1464.5323 $ 1,480.3257 $ 835,575.48 415,547
215,616.3346 $ 2,944.8580 1454.6141 $ 1,490.2439 $ 835,575.48 412,733
214,116.1060 $ 2,944.8580 1444.6294 $ 1,500.2286 $ 835,575.48 409,900
212,605.8259 $ 2,944.8580 1434.5779 $ 1,510.2801 $ 835,575.48 407,048
211,085.4270 $ 2,944.8580 1424.4590 $ 1,520.3990 $ 835,575.48 404,177
209,554.8413 $ 2,944.8580 1414.2724 $ 1,530.5856 $ 835,575.48 401,286
208,014.0008 $ 2,944.8580 1404.0174 $ 1,540.8406 $ 835,575.48 398,377
206,462.8366 $ 2,944.8580 1393.6938 $ 1,551.1642 $ 835,575.48 395,447
204,901.2796 $ 2,944.8580 1383.3010 $ 1,561.5570 $ 835,575.48 392,499
203,329.2602 $ 2,944.8580 1372.8386 $ 1,572.0194 $ 835,575.48 389,530
201,746.7082 $ 2,944.8580 1362.3060 $ 1,582.5520 $ 835,575.48 386,541
200,153.5531 $ 2,944.8580 1351.7029 $ 1,593.1551 $ 835,575.48 383,533
198,549.7239 $ 2,944.8580 1341.0288 $ 1,603.8292 $ 835,575.48 380,504
196,935.1491 $ 2,944.8580 1330.2832 $ 1,614.5748 $ 835,575.48 377,455
195,309.7566 $ 2,944.8580 1319.4655 $ 1,625.3925 $ 835,575.48 374,386
193,673.4740 $ 2,944.8580 1308.5754 $ 1,636.2826 $ 835,575.48 371,296
192,026.2282 $ 2,944.8580 1297.6123 $ 1,647.2457 $ 835,575.48 368,185
190,367.9460 $ 2,944.8580 1286.5757 $ 1,658.2823 $ 835,575.48 365,054
188,698.5532 $ 2,944.8580 1275.4652 $ 1,669.3928 $ 835,575.48 361,901
187,017.9755 $ 2,944.8580 1264.2803 $ 1,680.5777 $ 835,575.48 358,728
185,326.1380 $ 2,944.8580 1253.0204 $ 1,691.8376 $ 835,575.48 355,533
183,622.9651 $ 2,944.8580 1241.6851 $ 1,703.1729 $ 835,575.48 352,316
181,908.3809 $ 2,944.8580 1230.2739 $ 1,714.5841 $ 835,575.48 349,079
180,182.3091 $ 2,944.8580 1218.7862 $ 1,726.0718 $ 835,575.48 345,819
178,444.6726 $ 2,944.8580 1207.2215 $ 1,737.6365 $ 835,575.48 342,538
176,695.3939 $ 2,944.8580 1195.5793 $ 1,749.2787 $ 835,575.48 339,234
174,934.3950 $ 2,944.8580 1183.8591 $ 1,760.9989 $ 835,575.48 335,909
173,161.5975 $ 2,944.8580 1172.0604 $ 1,772.7976 $ 835,575.48 332,561
171,376.9222 $ 2,944.8580 1160.1827 $ 1,784.6753 $ 835,575.48 329,191
169,580.2895 $ 2,944.8580 1148.2254 $ 1,796.6326 $ 835,575.48 325,798
167,771.6195 $ 2,944.8580 1136.1879 $ 1,808.6701 $ 835,575.48 322,383
165,950.8313 $ 2,944.8580 1124.0699 $ 1,820.7881 $ 835,575.48 318,944
164,117.8439 $ 2,944.8580 1111.8706 $ 1,832.9874 $ 835,575.48 315,483
162,272.5755 $ 2,944.8580 1099.5896 $ 1,845.2684 $ 835,575.48 311,998
160,414.9437 $ 2,944.8580 1087.2263 $ 1,857.6317 $ 835,575.48 308,490
158,544.8658 $ 2,944.8580 1074.7801 $ 1,870.0779 $ 835,575.48 304,959
156,662.2584 $ 2,944.8580 1062.2506 $ 1,882.6074 $ 835,575.48 301,404
154,767.0376 $ 2,944.8580 1049.6371 $ 1,895.2209 $ 835,575.48 297,825
152,859.1187 $ 2,944.8580 1036.9392 $ 1,907.9188 $ 835,575.48 294,222
150,938.4168 $ 2,944.8580 1024.1561 $ 1,920.7019 $ 835,575.48 290,595
149,004.8462 $ 2,944.8580 1011.2874 $ 1,933.5706 $ 835,575.48 286,943
147,058.3207 $ 2,944.8580 998.3325 $ 1,946.5255 $ 835,575.48 283,267
145,098.7534 $ 2,944.8580 985.2907 $ 1,959.5673 $ 835,575.48 279,567
143,126.0571 $ 2,944.8580 972.1616 $ 1,972.6964 $ 835,575.48 275,842
141,140.1437 $ 2,944.8580 958.9446 $ 1,985.9134 $ 835,575.48 272,091
139,140.9246 $ 2,944.8580 945.6390 $ 1,999.2190 $ 835,575.48 268,316
137,128.3108 $ 2,944.8580 932.2442 $ 2,012.6138 $ 835,575.48 264,515
135,102.2125 $ 2,944.8580 918.7597 $ 2,026.0983 $ 835,575.48 260,689
133,062.5393 $ 2,944.8580 905.1848 $ 2,039.6732 $ 835,575.48 256,838
131,009.2003 $ 2,944.8580 891.5190 $ 2,053.3390 $ 835,575.48 252,960
128,942.1040 $ 2,944.8580 877.7616 $ 2,067.0964 $ 835,575.48 249,057
126,861.1581 $ 2,944.8580 863.9121 $ 2,080.9459 $ 835,575.48 245,127
124,766.2698 $ 2,944.8580 849.9698 $ 2,094.8882 $ 835,575.48 241,171
122,657.3459 $ 2,944.8580 835.9340 $ 2,108.9240 $ 835,575.48 237,188
120,534.2921 $ 2,944.8580 821.8042 $ 2,123.0538 $ 835,575.48 233,179
118,397.0138 $ 2,944.8580 807.5798 $ 2,137.2782 $ 835,575.48 229,143
116,245.4158 $ 2,944.8580 793.2600 $ 2,151.5980 $ 835,575.48 225,080
114,079.4021 $ 2,944.8580 778.8443 $ 2,166.0137 $ 835,575.48 220,990
111,898.8761 $ 2,944.8580 764.3320 $ 2,180.5260 $ 835,575.48 216,872
109,703.7406 $ 2,944.8580 749.7225 $ 2,195.1355 $ 835,575.48 212,727
107,493.8976 $ 2,944.8580 735.0151 $ 2,209.8429 $ 835,575.48 208,554
105,269.2488 $ 2,944.8580 720.2091 $ 2,224.6489 $ 835,575.48 204,352
103,029.6947 $ 2,944.8580 705.3040 $ 2,239.5540 $ 835,575.48 200,123
100,775.1357 $ 2,944.8580 690.2990 $ 2,254.5590 $ 835,575.48 195,866
98,505.4711 $ 2,944.8580 675.1934 $ 2,269.6646 $ 835,575.48 191,580
96,220.5997 $ 2,944.8580 659.9867 $ 2,284.8713 $ 835,575.48 187,265
93,920.4198 $ 2,944.8580 644.6780 $ 2,300.1800 $ 835,575.48 182,921
91,604.8286 $ 2,944.8580 629.2668 $ 2,315.5912 $ 835,575.48 178,548
89,273.7229 $ 2,944.8580 613.7524 $ 2,331.1056 $ 835,575.48 174,146
86,926.9989 $ 2,944.8580 598.1339 $ 2,346.7241 $ 835,575.48 169,715
84,564.5518 $ 2,944.8580 582.4109 $ 2,362.4471 $ 835,575.48 165,254
82,186.2763 $ 2,944.8580 566.5825 $ 2,378.2755 $ 835,575.48 160,762
79,792.0663 $ 2,944.8580 550.6481 $ 2,394.2099 $ 835,575.48 156,241
77,381.8152 $ 2,944.8580 534.6068 $ 2,410.2512 $ 835,575.48 151,690
74,955.4153 $ 2,944.8580 518.4582 $ 2,426.3998 $ 835,575.48 147,108
72,512.7586 $ 2,944.8580 502.2013 $ 2,442.6567 $ 835,575.48 142,495
70,053.7361 $ 2,944.8580 485.8355 $ 2,459.0225 $ 835,575.48 137,851
67,578.2381 $ 2,944.8580 469.3600 $ 2,475.4980 $ 835,575.48 133,176
65,086.1543 $ 2,944.8580 452.7742 $ 2,492.0838 $ 835,575.48 128,470
62,577.3735 $ 2,944.8580 436.0772 $ 2,508.7808 $ 835,575.48 123,733
60,051.7839 $ 2,944.8580 419.2684 $ 2,525.5896 $ 835,575.48 118,963
57,509.2729 $ 2,944.8580 402.3470 $ 2,542.5110 $ 835,575.48 114,162
54,949.7270 $ 2,944.8580 385.3121 $ 2,559.5459 $ 835,575.48 109,329
52,373.0322 $ 2,944.8580 368.1632 $ 2,576.6948 $ 835,575.48 104,463
49,779.0735 $ 2,944.8580 350.8993 $ 2,593.9587 $ 835,575.48 99,564
47,167.7353 $ 2,944.8580 333.5198 $ 2,611.3382 $ 835,575.48 94,633
44,538.9011 $ 2,944.8580 316.0238 $ 2,628.8342 $ 835,575.48 89,669
41,892.4538 $ 2,944.8580 298.4106 $ 2,646.4474 $ 835,575.48 84,671
39,228.2752 $ 2,944.8580 280.6794 $ 2,664.1786 $ 835,575.48 79,640
36,546.2467 $ 2,944.8580 262.8294 $ 2,682.0286 $ 835,575.48 74,575
33,846.2485 $ 2,944.8580 244.8599 $ 2,699.9981 $ 835,575.48 69,477
31,128.1604 $ 2,944.8580 226.7699 $ 2,718.0881 $ 835,575.48 64,344
28,391.8611 $ 2,944.8580 208.5587 $ 2,736.2993 $ 835,575.48 59,177
25,637.2285 $ 2,944.8580 190.2255 $ 2,754.6325 $ 835,575.48 53,975
22,864.1400 $ 2,944.8580 171.7694 $ 2,773.0886 $ 835,575.48 48,738
20,072.4717 $ 2,944.8580 153.1897 $ 2,791.6683 $ 835,575.48 43,466
17,262.0993 $ 2,944.8580 134.4856 $ 2,810.3724 $ 835,575.48 38,159
14,432.8973 $ 2,944.8580 115.6561 $ 2,829.2019 $ 835,575.48 32,816
11,584.7397 $ 2,944.8580 96.7004 $ 2,848.1576 $ 835,575.48 27,438
8,717.4995 $ 2,944.8580 77.6178 $ 2,867.2402 $ 835,575.48 22,023
5,831.0487 $ 2,944.8580 58.4072 $ 2,886.4508 $ 835,575.48 16,573
2,925.2588 $ 2,944.8580 39.0680 $ 2,905.7900 $ 835,575.48 11,085
0.0000 $ 2,944.8580 19.5992 $ 2,925.2588 $ 835,575.48 5,561

100,938,115
 CREDITO CUOTA FIJA CREDITO UVR
Valor del inmueble $ 124,500,000 Valor del inmueble $ 124,500,000
70% $ 87,150,000 80% $ 99,600,000
interes $ 79,891,132.40 interes $ 100,938,115.49
cuota $ 928,006.29 cuota $ 835,575.48
abono $ 246,932,264.80

Según el ejercicio planteado se escoge el credito de UVR, porque si evaluaramos el credito de cuota fija al
mismo periodo 240 meses y financiado un 80% en UVR, se pagaria menos intereses, pero al ser un
ejercicio academico y no tener las tasas variable del UVR de cada mes se le da la acesoria para que tome el
credito de cuota fija, donde acaba de pagar en un menor periodo de tiempo y del saldo global de intereses
pagaria $21.046.983,09 menos.