TABLA DE AMORTIZACION

PRESTAMO 15.0% E.A 1.17%

CAPITAL INICIAL $ 800,000,000
NPER 120 MESES 10 AÑOS
PAGO $ 12,449,181
INCUMPLIMIENTO 3% PDI PASADO AÑO Y MEDIO
PDI 40% 70%
Periodo Pago/Cuota Capital Interes Saldo
0 $ 12,449,181 $ 800,000,000
1 $ 12,449,181 $ 3,077,247 $ 9,371,934 $ 796,922,753
2 $ 12,449,181 $ 3,113,297 $ 9,335,884 $ 793,809,456
3 $ 12,449,181 $ 3,149,769 $ 9,299,412 $ 790,659,687
4 $ 12,449,181 $ 3,186,668 $ 9,262,513 $ 787,473,019
5 $ 12,449,181 $ 3,224,000 $ 9,225,181 $ 784,249,020
6 $ 12,449,181 $ 3,261,768 $ 9,187,412 $ 780,987,251
7 $ 12,449,181 $ 3,299,980 $ 9,149,201 $ 777,687,272
8 $ 12,449,181 $ 3,338,639 $ 9,110,542 $ 774,348,633
9 $ 12,449,181 $ 3,377,751 $ 9,071,430 $ 770,970,882
10 $ 12,449,181 $ 3,417,321 $ 9,031,860 $ 767,553,561
11 $ 12,449,181 $ 3,457,354 $ 8,991,826 $ 764,096,207
12 $ 12,449,181 $ 3,497,857 $ 8,951,324 $ 760,598,350
13 $ 12,449,181 $ 3,538,834 $ 8,910,346 $ 757,059,516
14 $ 12,449,181 $ 3,580,291 $ 8,868,889 $ 753,479,225
15 $ 12,449,181 $ 3,622,234 $ 8,826,947 $ 749,856,991
16 $ 12,449,181 $ 3,664,668 $ 8,784,512 $ 746,192,322
17 $ 12,449,181 $ 3,707,600 $ 8,741,581 $ 742,484,723
18 $ 12,449,181 $ 3,751,034 $ 8,698,147 $ 738,733,689
19 $ 12,449,181 $ 3,794,977 $ 8,654,204 $ 734,938,712
20 $ 12,449,181 $ 3,839,435 $ 8,609,746 $ 731,099,278
21 $ 12,449,181 $ 3,884,413 $ 8,564,767 $ 727,214,864
22 $ 12,449,181 $ 3,929,919 $ 8,519,262 $ 723,284,946
23 $ 12,449,181 $ 3,975,958 $ 8,473,223 $ 719,308,988
24 $ 12,449,181 $ 4,022,536 $ 8,426,645 $ 715,286,452
25 $ 12,449,181 $ 4,069,659 $ 8,379,521 $ 711,216,793
26 $ 12,449,181 $ 4,117,335 $ 8,331,846 $ 707,099,458
27 $ 12,449,181 $ 4,165,569 $ 8,283,611 $ 702,933,889
28 $ 12,449,181 $ 4,214,368 $ 8,234,812 $ 698,719,521
29 $ 12,449,181 $ 4,263,739 $ 8,185,441 $ 694,455,781
30 $ 12,449,181 $ 4,313,689 $ 8,135,492 $ 690,142,092
31 $ 12,449,181 $ 4,364,223 $ 8,084,957 $ 685,777,869
32 $ 12,449,181 $ 4,415,350 $ 8,033,831 $ 681,362,519
33 $ 12,449,181 $ 4,467,075 $ 7,982,105 $ 676,895,444
34 $ 12,449,181 $ 4,519,407 $ 7,929,774 $ 672,376,037
35 $ 12,449,181 $ 4,572,351 $ 7,876,829 $ 667,803,686
36 $ 12,449,181 $ 4,625,916 $ 7,823,265 $ 663,177,770
37 $ 12,449,181 $ 4,680,108 $ 7,769,072 $ 658,497,662
38 $ 12,449,181 $ 4,734,935 $ 7,714,245 $ 653,762,727
39 $ 12,449,181 $ 4,790,405 $ 7,658,776 $ 648,972,323
40 $ 12,449,181 $ 4,846,524 $ 7,602,657 $ 644,125,799
41 $ 12,449,181 $ 4,903,300 $ 7,545,880 $ 639,222,498
42 $ 12,449,181 $ 4,960,742 $ 7,488,438 $ 634,261,756
43 $ 12,449,181 $ 5,018,857 $ 7,430,324 $ 629,242,899
44 $ 12,449,181 $ 5,077,652 $ 7,371,528 $ 624,165,247
45 $ 12,449,181 $ 5,137,137 $ 7,312,044 $ 619,028,111
46 $ 12,449,181 $ 5,197,318 $ 7,251,863 $ 613,830,793
47 $ 12,449,181 $ 5,258,204 $ 7,190,977 $ 608,572,589
48 $ 12,449,181 $ 5,319,803 $ 7,129,377 $ 603,252,786
49 $ 12,449,181 $ 5,382,124 $ 7,067,056 $ 597,870,662
50 $ 12,449,181 $ 5,445,175 $ 7,004,005 $ 592,425,486
51 $ 12,449,181 $ 5,508,965 $ 6,940,215 $ 586,916,521
52 $ 12,449,181 $ 5,573,502 $ 6,875,678 $ 581,343,019
53 $ 12,449,181 $ 5,638,795 $ 6,810,385 $ 575,704,223
54 $ 12,449,181 $ 5,704,853 $ 6,744,327 $ 569,999,370
55 $ 12,449,181 $ 5,771,685 $ 6,677,495 $ 564,227,684
56 $ 12,449,181 $ 5,839,300 $ 6,609,880 $ 558,388,384
57 $ 12,449,181 $ 5,907,707 $ 6,541,474 $ 552,480,677
58 $ 12,449,181 $ 5,976,915 $ 6,472,265 $ 546,503,762
59 $ 12,449,181 $ 6,046,934 $ 6,402,246 $ 540,456,827
60 $ 12,449,181 $ 6,117,774 $ 6,331,407 $ 534,339,054
61 $ 12,449,181 $ 6,189,443 $ 6,259,738 $ 528,149,611
62 $ 12,449,181 $ 6,261,952 $ 6,187,229 $ 521,887,659
63 $ 12,449,181 $ 6,335,310 $ 6,113,871 $ 515,552,349
64 $ 12,449,181 $ 6,409,528 $ 6,039,653 $ 509,142,821
65 $ 12,449,181 $ 6,484,615 $ 5,964,566 $ 502,658,207
66 $ 12,449,181 $ 6,560,581 $ 5,888,599 $ 496,097,625
67 $ 12,449,181 $ 6,637,438 $ 5,811,742 $ 489,460,187
68 $ 12,449,181 $ 6,715,195 $ 5,733,985 $ 482,744,992
69 $ 12,449,181 $ 6,793,863 $ 5,655,317 $ 475,951,129
70 $ 12,449,181 $ 6,873,453 $ 5,575,728 $ 469,077,676
71 $ 12,449,181 $ 6,953,975 $ 5,495,206 $ 462,123,702
72 $ 12,449,181 $ 7,035,440 $ 5,413,741 $ 455,088,262
73 $ 12,449,181 $ 7,117,859 $ 5,331,321 $ 447,970,402
74 $ 12,449,181 $ 7,201,245 $ 5,247,936 $ 440,769,158
75 $ 12,449,181 $ 7,285,607 $ 5,163,574 $ 433,483,551
76 $ 12,449,181 $ 7,370,957 $ 5,078,224 $ 426,112,595
77 $ 12,449,181 $ 7,457,307 $ 4,991,874 $ 418,655,288
78 $ 12,449,181 $ 7,544,669 $ 4,904,512 $ 411,110,619
 79 $ 12,449,181 $ 7,633,054 $ 4,816,127 $ 403,477,565
80 $ 12,449,181 $ 7,722,474 $ 4,726,706 $ 395,755,091
81 $ 12,449,181 $ 7,812,943 $ 4,636,238 $ 387,942,148
82 $ 12,449,181 $ 7,904,471 $ 4,544,710 $ 380,037,678
83 $ 12,449,181 $ 7,997,071 $ 4,452,110 $ 372,040,607
84 $ 12,449,181 $ 8,090,756 $ 4,358,425 $ 363,949,851
85 $ 12,449,181 $ 8,185,538 $ 4,263,642 $ 355,764,313
86 $ 12,449,181 $ 8,281,431 $ 4,167,749 $ 347,482,881
87 $ 12,449,181 $ 8,378,447 $ 4,070,733 $ 339,104,434
88 $ 12,449,181 $ 8,476,600 $ 3,972,580 $ 330,627,834
89 $ 12,449,181 $ 8,575,903 $ 3,873,278 $ 322,051,931
90 $ 12,449,181 $ 8,676,369 $ 3,772,812 $ 313,375,562
91 $ 12,449,181 $ 8,778,012 $ 3,671,169 $ 304,597,550
92 $ 12,449,181 $ 8,880,846 $ 3,568,335 $ 295,716,704
93 $ 12,449,181 $ 8,984,884 $ 3,464,297 $ 286,731,820
94 $ 12,449,181 $ 9,090,141 $ 3,359,039 $ 277,641,679
95 $ 12,449,181 $ 9,196,631 $ 3,252,549 $ 268,445,048
96 $ 12,449,181 $ 9,304,369 $ 3,144,811 $ 259,140,679
97 $ 12,449,181 $ 9,413,369 $ 3,035,812 $ 249,727,310
98 $ 12,449,181 $ 9,523,646 $ 2,925,535 $ 240,203,664
99 $ 12,449,181 $ 9,635,215 $ 2,813,966 $ 230,568,449
100 $ 12,449,181 $ 9,748,090 $ 2,701,090 $ 220,820,359
101 $ 12,449,181 $ 9,862,288 $ 2,586,892 $ 210,958,070
102 $ 12,449,181 $ 9,977,824 $ 2,471,356 $ 200,980,246
103 $ 12,449,181 $ 10,094,714 $ 2,354,467 $ 190,885,532
104 $ 12,449,181 $ 10,212,972 $ 2,236,208 $ 180,672,560
105 $ 12,449,181 $ 10,332,617 $ 2,116,564 $ 170,339,943
106 $ 12,449,181 $ 10,453,662 $ 1,995,518 $ 159,886,281
107 $ 12,449,181 $ 10,576,126 $ 1,873,054 $ 149,310,155
108 $ 12,449,181 $ 10,700,025 $ 1,749,156 $ 138,610,130
109 $ 12,449,181 $ 10,825,374 $ 1,623,806 $ 127,784,756
110 $ 12,449,181 $ 10,952,193 $ 1,496,988 $ 116,832,563
111 $ 12,449,181 $ 11,080,497 $ 1,368,684 $ 105,752,066
112 $ 12,449,181 $ 11,210,304 $ 1,238,877 $ 94,541,763
113 $ 12,449,181 $ 11,341,632 $ 1,107,549 $ 83,200,131
114 $ 12,449,181 $ 11,474,498 $ 974,683 $ 71,725,633
115 $ 12,449,181 $ 11,608,921 $ 840,260 $ 60,116,712
116 $ 12,449,181 $ 11,744,918 $ 704,262 $ 48,371,794
117 $ 12,449,181 $ 11,882,509 $ 566,672 $ 36,489,285
118 $ 12,449,181 $ 12,021,712 $ 427,469 $ 24,467,573
119 $ 12,449,181 $ 12,162,545 $ 286,636 $ 12,305,028
120 $ 12,449,181 $ 12,305,028 $ 144,152 $ (0)
 1

A) EL VALOR DE LA CUOTA MENSUAL ES DE

B) PERDIDA ESPERADA

INCUMPLIMIENTO 3%
PDI = ( 1-PDI) 40%
PERDIDA ESPERADA $ 9,952,000

C)
INCUMPLIMIENTO 3%
PDI 40%
PERDIDA ESPERADA $ 6,647,178

D) INCUMPLIMIENTO 5%
PDI = ( 1-PDI) 70%
PERDIDA ESPERADA $ 23,211,222

2
SALDO CARTERA EN MORA $880,000,000
SALDO DE CARTERA $100,000,000,000
0.88%

3 SALDO SALDO CARTERA SALDO EN MORA MAYOR A 30

2010 II $216,000 $1,500
2011 I $192,000 $3,700
2011 II $168,000 $7,000
2012 I $144,000 $8,500
2012 II $120,000 $8,800
2013 I $96,000 $8,600
 2013 II $72,000 $8,250
2014 I $48,000 $8,320

SALDO DESEMBOLSADO $240,000

INDICE DE COSECHA 2010 I

$10,000 4.00%
$9,000 3.50%
$8,000
3.00%
$7,000
$6,000 2.50%
$5,000 2.00%
$4,000 1.50%
$3,000
1.00%
$2,000
$1,000 0.50%
$0 0.00%
2010 II 2011 I 2011 II 2012 I 2012 II 2013 I 2013 II 2014 I
SALDO EN MORA MAYOR A 30 INDICE
 $ 12,449,181

INDICE
0.63%
1.54%
2.92%
3.54%
3.67%
3.58%
 3.44%
3.47%

4.00%
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
II 2014 I
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