COMPARACION CUOTA POR MILLON

CUOTA FIJA PESOS VS CUOTA UVR

5,000,000

4,500,000

4,000,000

3,500,000

3,000,000
Cuota
2,500,000 Sis-
tema
2,000,000 Pesos

1,500,000 Cuota
Sis-
tema
1,000,000 UVR
500,000

0
0 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180
Período
 COMPORTAMIENTO DEL SALDO DE LA DEUDA

180,000,000

160,000,000

140,000,000

120,000,000

Saldo
100,000,000 Sistema
Pesos

Saldo
80,000,000 Sistema
UVR

60,000,000

40,000,000

20,000,000

0
0 12 24 36 48 60 72 84 96 108 120 132 144 156 168 180
Período
 659563863.xls

PRESTAMO PESOS
Monto del préstamo: 122,000,000 Interés anual 6.85%
Interés mes: 0.55% Interés mensual 0.55%
Plazo (meses): 180
Cuota mes: -1,072,426 -3,217,278.27
Interés Saldo
Cuota Sistema Sistema Capital Sistema
mes Pesos Pesos Sistema Pesos Pesos
1 1,072,426 675,464 396,962 121,603,038
2 1,072,426 673,266 399,160 121,203,877
3 1,072,426 671,056 401,370 120,802,507
4 1,072,426 668,834 403,593 120,398,914
5 1,072,426 666,599 405,827 119,993,087
6 1,072,426 664,352 408,074 119,585,013
7 1,072,426 662,093 410,333 119,174,680
8 1,072,426 659,821 412,605 118,762,075
9 1,072,426 657,537 414,890 118,347,185
10 1,072,426 655,239 417,187 117,929,999
11 1,072,426 652,930 419,496 117,510,502
12 1,072,426 650,607 421,819 117,088,683
13 1,072,426 648,272 424,154 116,664,529
14 1,072,426 645,923 426,503 116,238,026
15 1,072,426 643,562 428,864 115,809,162
16 1,072,426 641,187 431,239 115,377,923
17 1,072,426 638,800 433,626 114,944,297
18 1,072,426 636,399 436,027 114,508,270
19 1,072,426 633,985 438,441 114,069,829
20 1,072,426 631,558 440,869 113,628,961
21 1,072,426 629,117 443,309 113,185,651
22 1,072,426 626,662 445,764 112,739,887
23 1,072,426 624,194 448,232 112,291,655
24 1,072,426 621,713 450,714 111,840,942
25 1,072,426 619,217 453,209 111,387,733
26 1,072,426 616,708 455,718 110,932,014
27 1,072,426 614,185 458,241 110,473,773
28 1,072,426 611,648 460,778 110,012,995
29 1,072,426 609,097 463,330 109,549,665
30 1,072,426 606,531 465,895 109,083,770
31 1,072,426 603,952 468,474 108,615,296
32 1,072,426 601,358 471,068 108,144,228
33 1,072,426 598,750 473,676 107,670,552
34 1,072,426 596,127 476,299 107,194,253
35 1,072,426 593,490 478,936 106,715,317
36 1,072,426 590,839 481,587 106,233,730
37 1,072,426 588,172 484,254 105,749,476
38 1,072,426 585,491 486,935 105,262,541
39 1,072,426 582,795 489,631 104,772,910
40 1,072,426 580,084 492,342 104,280,568
41 1,072,426 577,358 495,068 103,785,501
42 1,072,426 574,617 497,809 103,287,692

Page 3
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43 1,072,426 571,861 500,565 102,787,127

44 1,072,426 569,090 503,336 102,283,791
45 1,072,426 566,303 506,123 101,777,668
46 1,072,426 563,501 508,925 101,268,743
47 1,072,426 560,683 511,743 100,757,000
48 1,072,426 557,850 514,576 100,242,424
49 1,072,426 555,001 517,425 99,724,998
50 1,072,426 552,136 520,290 99,204,708
51 1,072,426 549,255 523,171 98,681,538
52 1,072,426 546,359 526,067 98,155,471
53 1,072,426 543,446 528,980 97,626,491
54 1,072,426 540,518 531,909 97,094,582
55 1,072,426 537,573 534,854 96,559,729
56 1,072,426 534,611 537,815 96,021,914
57 1,072,426 531,634 540,792 95,481,122
58 1,072,426 528,640 543,787 94,937,335
59 1,072,426 525,629 546,797 94,390,538
60 1,072,426 522,601 549,825 93,840,713
61 1,072,426 519,557 552,869 93,287,844
62 1,072,426 516,496 555,930 92,731,914
63 1,072,426 513,418 559,008 92,172,907
64 1,072,426 510,323 562,103 91,610,804
65 1,072,426 507,211 565,215 91,045,589
66 1,072,426 504,082 568,344 90,477,245
67 1,072,426 500,935 571,491 89,905,754
68 1,072,426 497,771 574,655 89,331,099
69 1,072,426 494,589 577,837 88,753,262
70 1,072,426 491,390 581,036 88,172,226
71 1,072,426 488,173 584,253 87,587,973
72 1,072,426 484,938 587,488 87,000,485
73 1,072,426 481,686 590,740 86,409,745
74 1,072,426 478,415 594,011 85,815,734
75 1,072,426 475,126 597,300 85,218,434
76 1,072,426 471,819 600,607 84,617,827
77 1,072,426 468,494 603,932 84,013,895
78 1,072,426 465,150 607,276 83,406,619
79 1,072,426 461,788 610,638 82,795,981
80 1,072,426 458,407 614,019 82,181,962
81 1,072,426 455,008 617,419 81,564,544
82 1,072,426 451,589 620,837 80,943,707
83 1,072,426 448,152 624,274 80,319,433
84 1,072,426 444,696 627,731 79,691,702
85 1,072,426 441,220 631,206 79,060,496
86 1,072,426 437,725 634,701 78,425,795
87 1,072,426 434,211 638,215 77,787,580
88 1,072,426 430,678 641,748 77,145,832
89 1,072,426 427,125 645,301 76,500,530
90 1,072,426 423,552 648,874 75,851,656
91 1,072,426 419,959 652,467 75,199,189
92 1,072,426 416,347 656,079 74,543,110

Page 4
 659563863.xls

93 1,072,426 412,714 659,712 73,883,398

94 1,072,426 409,062 663,364 73,220,034
95 1,072,426 405,389 667,037 72,552,997
96 1,072,426 401,696 670,730 71,882,267
97 1,072,426 397,982 674,444 71,207,823
98 1,072,426 394,248 678,178 70,529,646
99 1,072,426 390,494 681,933 69,847,713
100 1,072,426 386,718 685,708 69,162,005
101 1,072,426 382,921 689,505 68,472,500
102 1,072,426 379,104 693,322 67,779,178
103 1,072,426 375,265 697,161 67,082,017
104 1,072,426 371,405 701,021 66,380,997
105 1,072,426 367,524 704,902 65,676,095
106 1,072,426 363,621 708,805 64,967,290
107 1,072,426 359,697 712,729 64,254,561
108 1,072,426 355,751 716,675 63,537,886
109 1,072,426 351,783 720,643 62,817,243
110 1,072,426 347,793 724,633 62,092,610
111 1,072,426 343,781 728,645 61,363,965
112 1,072,426 339,747 732,679 60,631,286
113 1,072,426 335,690 736,736 59,894,550
114 1,072,426 331,611 740,815 59,153,735
115 1,072,426 327,510 744,916 58,408,819
116 1,072,426 323,386 749,041 57,659,778
117 1,072,426 319,238 753,188 56,906,591
118 1,072,426 315,068 757,358 56,149,233
119 1,072,426 310,875 761,551 55,387,682
120 1,072,426 306,659 765,767 54,621,914
121 1,072,426 302,419 770,007 53,851,907
122 1,072,426 298,156 774,270 53,077,637
123 1,072,426 293,869 778,557 52,299,080
124 1,072,426 289,558 782,868 51,516,212
125 1,072,426 285,224 787,202 50,729,010
126 1,072,426 280,866 791,561 49,937,450
127 1,072,426 276,483 795,943 49,141,507
128 1,072,426 272,076 800,350 48,341,157
129 1,072,426 267,645 804,781 47,536,376
130 1,072,426 263,189 809,237 46,727,139
131 1,072,426 258,709 813,717 45,913,422
132 1,072,426 254,204 818,222 45,095,199
133 1,072,426 249,673 822,753 44,272,446
134 1,072,426 245,118 827,308 43,445,139
135 1,072,426 240,538 831,888 42,613,250
136 1,072,426 235,932 836,494 41,776,756
137 1,072,426 231,301 841,125 40,935,631
138 1,072,426 226,644 845,782 40,089,848
139 1,072,426 221,961 850,465 39,239,383
140 1,072,426 217,252 855,174 38,384,209
141 1,072,426 212,518 859,909 37,524,301
142 1,072,426 207,757 864,670 36,659,631

Page 5
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143 1,072,426 202,969 869,457 35,790,174

144 1,072,426 198,155 874,271 34,915,904
145 1,072,426 193,315 879,111 34,036,793
146 1,072,426 188,448 883,978 33,152,814
147 1,072,426 183,553 888,873 32,263,941
148 1,072,426 178,632 893,794 31,370,147
149 1,072,426 173,684 898,743 30,471,405
150 1,072,426 168,708 903,719 29,567,686
151 1,072,426 163,704 908,722 28,658,964
152 1,072,426 158,673 913,753 27,745,211
153 1,072,426 153,614 918,812 26,826,399
154 1,072,426 148,527 923,899 25,902,499
155 1,072,426 143,411 929,015 24,973,485
156 1,072,426 138,268 934,158 24,039,327
157 1,072,426 133,096 939,330 23,099,996
158 1,072,426 127,895 944,531 22,155,465
159 1,072,426 122,666 949,760 21,205,705
160 1,072,426 117,407 955,019 20,250,686
161 1,072,426 112,120 960,306 19,290,380
162 1,072,426 106,803 965,623 18,324,756
163 1,072,426 101,457 970,969 17,353,787
164 1,072,426 96,081 976,345 16,377,442
165 1,072,426 90,675 981,751 15,395,691
166 1,072,426 85,240 987,187 14,408,504
167 1,072,426 79,774 992,652 13,415,852
168 1,072,426 74,278 998,148 12,417,704
169 1,072,426 68,752 1,003,674 11,414,029
170 1,072,426 63,195 1,009,231 10,404,798
171 1,072,426 57,607 1,014,819 9,389,979
172 1,072,426 51,988 1,020,438 8,369,541
173 1,072,426 46,339 1,026,087 7,343,454
174 1,072,426 40,658 1,031,768 6,311,686
175 1,072,426 34,945 1,037,481 5,274,205
176 1,072,426 29,201 1,043,225 4,230,980
177 1,072,426 23,425 1,049,001 3,181,979
178 1,072,426 17,617 1,054,809 2,127,170
179 1,072,426 11,777 1,060,649 1,066,521
180 1,072,426 5,905 1,066,521 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

Page 6
 659563863.xls

0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

Page 7
 659563863.xls

PRESTAMO UVR
Préstamo en UVR: 603,960 CM anual 9.0% Vr UVR hoy 202.00
CM (mes): 0.72% CM (mes): 0.72%
Plazo (meses): 180
Cuota mes en UVR: -6,000

Cuota Interés Capital Saldo Proyección

mes UVR UVR UVR UVR UVR
1 6,000 4,353 1,647 602,313 203.46
2 6,000 4,341 1,659 600,654 204.92
3 6,000 4,329 1,671 598,983 206.40
4 6,000 4,317 1,683 597,300 207.89
5 6,000 4,305 1,695 595,604 209.39
6 6,000 4,293 1,708 593,897 210.89
7 6,000 4,280 1,720 592,177 212.41
8 6,000 4,268 1,732 590,445 213.95
9 6,000 4,256 1,745 588,700 215.49
10 6,000 4,243 1,757 586,943 217.04
11 6,000 4,230 1,770 585,173 218.60
12 6,000 4,218 1,783 583,390 220.18
13 6,000 4,205 1,796 581,595 221.77
14 6,000 4,192 1,808 579,786 223.37
15 6,000 4,179 1,822 577,965 224.98
16 6,000 4,166 1,835 576,130 226.60
17 6,000 4,152 1,848 574,282 228.23
18 6,000 4,139 1,861 572,421 229.87
19 6,000 4,126 1,875 570,546 231.53
20 6,000 4,112 1,888 568,658 233.20
21 6,000 4,099 1,902 566,756 234.88
22 6,000 4,085 1,915 564,841 236.57
23 6,000 4,071 1,929 562,912 238.28
24 6,000 4,057 1,943 560,969 240.00
25 6,000 4,043 1,957 559,011 241.73
26 6,000 4,029 1,971 557,040 243.47
27 6,000 4,015 1,985 555,055 245.22
28 6,000 4,000 2,000 553,055 246.99
29 6,000 3,986 2,014 551,041 248.77
30 6,000 3,972 2,029 549,012 250.56
31 6,000 3,957 2,043 546,969 252.37
32 6,000 3,942 2,058 544,911 254.19
33 6,000 3,927 2,073 542,838 256.02
34 6,000 3,912 2,088 540,750 257.87
35 6,000 3,897 2,103 538,647 259.72
36 6,000 3,882 2,118 536,529 261.60
37 6,000 3,867 2,133 534,396 263.48
38 6,000 3,852 2,149 532,247 265.38
39 6,000 3,836 2,164 530,083 267.29
40 6,000 3,820 2,180 527,903 269.22
41 6,000 3,805 2,195 525,708 271.16
42 6,000 3,789 2,211 523,497 273.11

Page 8
 659563863.xls

43 6,000 3,773 2,227 521,269 275.08

44 6,000 3,757 2,243 519,026 277.07
45 6,000 3,741 2,259 516,767 279.06
46 6,000 3,725 2,276 514,491 281.07
47 6,000 3,708 2,292 512,199 283.10
48 6,000 3,692 2,309 509,890 285.14
49 6,000 3,675 2,325 507,565 287.19
50 6,000 3,658 2,342 505,223 289.26
51 6,000 3,641 2,359 502,864 291.35
52 6,000 3,624 2,376 500,488 293.45
53 6,000 3,607 2,393 498,095 295.56
54 6,000 3,590 2,410 495,685 297.69
55 6,000 3,573 2,428 493,257 299.84
56 6,000 3,555 2,445 490,812 302.00
57 6,000 3,537 2,463 488,349 304.18
58 6,000 3,520 2,481 485,868 306.37
59 6,000 3,502 2,498 483,370 308.58
60 6,000 3,484 2,516 480,854 310.80
61 6,000 3,466 2,535 478,319 313.04
62 6,000 3,447 2,553 475,766 315.30
63 6,000 3,429 2,571 473,195 317.57
64 6,000 3,410 2,590 470,605 319.86
65 6,000 3,392 2,608 467,997 322.16
66 6,000 3,373 2,627 465,370 324.49
67 6,000 3,354 2,646 462,723 326.83
68 6,000 3,335 2,665 460,058 329.18
69 6,000 3,316 2,684 457,374 331.55
70 6,000 3,296 2,704 454,670 333.94
71 6,000 3,277 2,723 451,947 336.35
72 6,000 3,257 2,743 449,204 338.77
73 6,000 3,238 2,763 446,441 341.22
74 6,000 3,218 2,783 443,659 343.68
75 6,000 3,198 2,803 440,856 346.15
76 6,000 3,177 2,823 438,033 348.65
77 6,000 3,157 2,843 435,190 351.16
78 6,000 3,137 2,864 432,326 353.69
79 6,000 3,116 2,884 429,442 356.24
80 6,000 3,095 2,905 426,537 358.81
81 6,000 3,074 2,926 423,611 361.39
82 6,000 3,053 2,947 420,664 364.00
83 6,000 3,032 2,968 417,695 366.62
84 6,000 3,010 2,990 414,705 369.26
85 6,000 2,989 3,011 411,694 371.93
86 6,000 2,967 3,033 408,661 374.61
87 6,000 2,945 3,055 405,606 377.31
88 6,000 2,923 3,077 402,529 380.03
89 6,000 2,901 3,099 399,430 382.76
90 6,000 2,879 3,121 396,309 385.52
91 6,000 2,856 3,144 393,165 388.30
92 6,000 2,834 3,167 389,998 391.10

Page 9
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93 6,000 2,811 3,189 386,809 393.92

94 6,000 2,788 3,212 383,597 396.76
95 6,000 2,765 3,236 380,361 399.62
96 6,000 2,741 3,259 377,102 402.50
97 6,000 2,718 3,282 373,820 405.40
98 6,000 2,694 3,306 370,514 408.32
99 6,000 2,670 3,330 367,184 411.26
100 6,000 2,646 3,354 363,830 414.23
101 6,000 2,622 3,378 360,452 417.21
102 6,000 2,598 3,402 357,050 420.22
103 6,000 2,573 3,427 353,623 423.25
104 6,000 2,549 3,452 350,172 426.30
105 6,000 2,524 3,476 346,695 429.37
106 6,000 2,499 3,501 343,194 432.47
107 6,000 2,474 3,527 339,667 435.58
108 6,000 2,448 3,552 336,115 438.72
109 6,000 2,422 3,578 332,537 441.88
110 6,000 2,397 3,604 328,934 445.07
111 6,000 2,371 3,629 325,304 448.28
112 6,000 2,345 3,656 321,648 451.51
113 6,000 2,318 3,682 317,966 454.76
114 6,000 2,292 3,709 314,258 458.04
115 6,000 2,265 3,735 310,523 461.34
116 6,000 2,238 3,762 306,760 464.67
117 6,000 2,211 3,789 302,971 468.01
118 6,000 2,184 3,817 299,155 471.39
119 6,000 2,156 3,844 295,310 474.79
120 6,000 2,128 3,872 291,439 478.21
121 6,000 2,100 3,900 287,539 481.65
122 6,000 2,072 3,928 283,611 485.13
123 6,000 2,044 3,956 279,655 488.62
124 6,000 2,016 3,985 275,670 492.14
125 6,000 1,987 4,013 271,657 495.69
126 6,000 1,958 4,042 267,614 499.26
127 6,000 1,929 4,071 263,543 502.86
128 6,000 1,899 4,101 259,442 506.49
129 6,000 1,870 4,130 255,312 510.14
130 6,000 1,840 4,160 251,152 513.81
131 6,000 1,810 4,190 246,962 517.52
132 6,000 1,780 4,220 242,741 521.25
133 6,000 1,750 4,251 238,491 525.00
134 6,000 1,719 4,281 234,209 528.79
135 6,000 1,688 4,312 229,897 532.60
136 6,000 1,657 4,343 225,554 536.44
137 6,000 1,626 4,375 221,179 540.30
138 6,000 1,594 4,406 216,773 544.20
139 6,000 1,562 4,438 212,335 548.12
140 6,000 1,530 4,470 207,865 552.07
141 6,000 1,498 4,502 203,363 556.05
142 6,000 1,466 4,535 198,829 560.06

Page 10
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143 6,000 1,433 4,567 194,262 564.09

144 6,000 1,400 4,600 189,661 568.16
145 6,000 1,367 4,633 185,028 572.25
146 6,000 1,334 4,667 180,361 576.38
147 6,000 1,300 4,700 175,661 580.53
148 6,000 1,266 4,734 170,927 584.72
149 6,000 1,232 4,768 166,159 588.93
150 6,000 1,198 4,803 161,356 593.17
151 6,000 1,163 4,837 156,519 597.45
152 6,000 1,128 4,872 151,647 601.76
153 6,000 1,093 4,907 146,739 606.09
154 6,000 1,058 4,943 141,797 610.46
155 6,000 1,022 4,978 136,818 614.86
156 6,000 986 5,014 131,804 619.29
157 6,000 950 5,050 126,754 623.76
158 6,000 914 5,087 121,667 628.25
159 6,000 877 5,123 116,544 632.78
160 6,000 840 5,160 111,384 637.34
161 6,000 803 5,197 106,186 641.93
162 6,000 765 5,235 100,951 646.56
163 6,000 728 5,273 95,679 651.22
164 6,000 690 5,311 90,368 655.91
165 6,000 651 5,349 85,019 660.64
166 6,000 613 5,387 79,632 665.40
167 6,000 574 5,426 74,205 670.20
168 6,000 535 5,465 68,740 675.03
169 6,000 495 5,505 63,235 679.89
170 6,000 456 5,544 57,691 684.79
171 6,000 416 5,584 52,106 689.73
172 6,000 376 5,625 46,482 694.70
173 6,000 335 5,665 40,816 699.71
174 6,000 294 5,706 35,110 704.75
175 6,000 253 5,747 29,363 709.83
176 6,000 212 5,789 23,575 714.95
177 6,000 170 5,830 17,744 720.10
178 6,000 128 5,872 11,872 725.29
179 6,000 86 5,915 5,957 730.52
180 6,000 43 5,957 0 735.78

Page 11
 659563863.xls

3,662,345.57

PESOS PESOS PESOS PESOS

Interés Capital Saldo
Cuota Sistema Sistema Sistema Sistema
UVR UVR UVR UVR
1,220,781.86 885,630.80 335,151.06 122,544,142.38
1,229,580.43 889,580.87 339,999.55 123,087,358.09
1,238,442.41 893,524.22 344,918.19 123,629,570.28
1,247,368.26 897,460.29 349,907.98 124,170,700.59
1,256,358.45 901,388.50 354,969.96 124,710,669.02
1,265,413.43 905,308.27 360,105.16 125,249,393.97
1,274,533.68 909,219.02 365,314.66 125,786,792.19
1,283,719.65 913,120.14 370,599.51 126,322,778.76
1,292,971.84 917,011.01 375,960.83 126,857,267.04
1,302,290.70 920,891.00 381,399.70 127,390,168.69
1,311,676.73 924,759.48 386,917.25 127,921,393.57
1,321,130.41 928,615.78 392,514.63 128,450,849.79
1,330,652.22 932,459.25 398,192.97 128,978,443.62
1,340,242.66 936,289.19 403,953.47 129,504,079.49
1,349,902.23 940,104.93 409,797.30 130,027,659.96
1,359,631.41 943,905.74 415,725.67 130,549,085.68
1,369,430.71 947,690.91 421,739.80 131,068,255.34
1,379,300.64 951,459.70 427,840.94 131,585,065.69
1,389,241.71 955,211.37 434,030.34 132,099,411.47
1,399,254.42 958,945.14 440,309.28 132,611,185.35
1,409,339.30 962,660.24 446,679.06 133,120,277.98
1,419,496.86 966,355.88 453,140.98 133,626,577.89
1,429,727.64 970,031.25 459,696.39 134,129,971.45
1,440,032.15 973,685.52 466,346.63 134,630,342.90
1,450,410.92 977,317.85 473,093.07 135,127,574.23
1,460,864.50 980,927.39 479,937.12 135,621,545.23
1,471,393.43 984,513.26 486,880.17 136,112,133.39
1,481,998.24 988,074.57 493,923.67 136,599,213.87
1,492,679.48 991,610.41 501,069.06 137,082,659.51
1,503,437.70 995,119.88 508,317.82 137,562,340.73
1,514,273.46 998,602.01 515,671.45 138,038,125.55
1,525,187.32 1,002,055.86 523,131.46 138,509,879.49
1,536,179.84 1,005,480.45 530,699.39 138,977,465.59
1,547,251.58 1,008,874.78 538,376.80 139,440,744.32
1,558,403.12 1,012,237.85 546,165.28 139,899,573.57
1,569,635.04 1,015,568.61 554,066.43 140,353,808.60
1,580,947.91 1,018,866.03 562,081.88 140,803,302.00
1,592,342.31 1,022,129.02 570,213.29 141,247,903.63
1,603,818.84 1,025,356.50 578,462.33 141,687,460.61
1,615,378.08 1,028,547.37 586,830.71 142,121,817.24
1,627,020.63 1,031,700.48 595,320.15 142,550,814.98
1,638,747.09 1,034,814.69 603,932.40 142,974,292.38

Page 12
 659563863.xls

1,650,558.07 1,037,888.82 612,669.25 143,392,085.09

1,662,454.18 1,040,921.69 621,532.48 143,804,025.72
1,674,436.02 1,043,912.08 630,523.94 144,209,943.89
1,686,504.22 1,046,858.75 639,645.47 144,609,666.10
1,698,659.41 1,049,760.44 648,898.96 145,003,015.76
1,710,902.19 1,052,615.87 658,286.32 145,389,813.05
1,723,233.22 1,055,423.74 667,809.48 145,769,874.96
1,735,653.12 1,058,182.71 677,470.41 146,143,015.17
1,748,162.53 1,060,891.43 687,271.10 146,509,044.03
1,760,762.10 1,063,548.54 697,213.57 146,867,768.52
1,773,452.48 1,066,152.61 707,299.87 147,218,992.14
1,786,234.33 1,068,702.24 717,532.09 147,562,514.92
1,799,108.30 1,071,195.96 727,912.33 147,898,133.34
1,812,075.05 1,073,632.31 738,442.75 148,225,640.26
1,825,135.26 1,076,009.77 749,125.50 148,544,824.88
1,838,289.60 1,078,326.82 759,962.79 148,855,472.67
1,851,538.75 1,080,581.89 770,956.86 149,157,365.33
1,864,883.39 1,082,773.41 782,109.98 149,450,280.71
1,878,324.21 1,084,899.76 793,424.44 149,733,992.76
1,891,861.90 1,086,959.31 804,902.59 150,008,271.46
1,905,497.16 1,088,950.37 816,546.79 150,272,882.79
1,919,230.69 1,090,871.25 828,359.44 150,527,588.60
1,933,063.21 1,092,720.23 840,342.98 150,772,146.62
1,946,995.42 1,094,495.54 852,499.88 151,006,310.35
1,961,028.05 1,096,195.40 864,832.64 151,229,829.01
1,975,161.81 1,097,817.98 877,343.83 151,442,447.46
1,989,397.44 1,099,361.44 890,036.00 151,643,906.14
2,003,735.67 1,100,823.88 902,911.79 151,833,941.01
2,018,177.24 1,102,203.39 915,973.85 152,012,283.47
2,032,722.90 1,103,498.03 929,224.87 152,178,660.28
2,047,373.39 1,104,705.80 942,667.58 152,332,793.50
2,062,129.47 1,105,824.70 956,304.77 152,474,400.43
2,076,991.90 1,106,852.66 970,139.24 152,603,193.49
2,091,961.45 1,107,787.61 984,173.85 152,718,880.19
2,107,038.90 1,108,627.41 998,411.49 152,821,163.05
2,122,225.01 1,109,369.90 1,012,855.10 152,909,739.48
2,137,520.57 1,110,012.90 1,027,507.66 152,984,301.74
2,152,926.37 1,110,554.17 1,042,372.20 153,044,536.87
2,168,443.21 1,110,991.44 1,057,451.77 153,090,126.55
2,184,071.88 1,111,322.38 1,072,749.50 153,120,747.10
2,199,813.19 1,111,544.67 1,088,268.53 153,136,069.30
2,215,667.96 1,111,655.89 1,104,012.06 153,135,758.40
2,231,636.99 1,111,653.64 1,119,983.35 153,119,473.97
2,247,721.12 1,111,535.42 1,136,185.70 153,086,869.83
2,263,921.17 1,111,298.74 1,152,622.43 153,037,593.96
2,280,237.99 1,110,941.03 1,169,296.95 152,971,288.43
2,296,672.40 1,110,459.71 1,186,212.69 152,887,589.27
2,313,225.26 1,109,852.11 1,203,373.15 152,786,126.41
2,329,897.42 1,109,115.56 1,220,781.86 152,666,523.56
2,346,689.74 1,108,247.34 1,238,442.41 152,528,398.15

Page 13
 659563863.xls

2,363,603.10 1,107,244.65 1,256,358.45 152,371,361.18

2,380,638.35 1,106,104.67 1,274,533.68 152,195,017.17
2,397,796.38 1,104,824.54 1,292,971.84 151,998,964.03
2,415,078.07 1,103,401.34 1,311,676.73 151,782,792.97
2,432,484.32 1,101,832.10 1,330,652.22 151,546,088.41
2,450,016.02 1,100,113.80 1,349,902.23 151,288,427.84
2,467,674.08 1,098,243.37 1,369,430.71 151,009,381.75
2,485,459.40 1,096,217.70 1,389,241.71 150,708,513.48
2,503,372.91 1,094,033.61 1,409,339.30 150,385,379.16
2,521,415.53 1,091,687.89 1,429,727.64 150,039,527.57
2,539,588.19 1,089,177.27 1,450,410.92 149,670,500.03
2,557,891.82 1,086,498.39 1,471,393.43 149,277,830.29
2,576,327.38 1,083,647.90 1,492,679.48 148,861,044.40
2,594,895.80 1,080,622.34 1,514,273.46 148,419,660.62
2,613,598.05 1,077,418.22 1,536,179.84 147,953,189.26
2,632,435.10 1,074,031.97 1,558,403.12 147,461,132.61
2,651,407.91 1,070,460.00 1,580,947.91 146,942,984.76
2,670,517.46 1,066,698.63 1,603,818.84 146,398,231.53
2,689,764.75 1,062,744.12 1,627,020.63 145,826,350.28
2,709,150.75 1,058,592.68 1,650,558.07 145,226,809.87
2,728,676.48 1,054,240.45 1,674,436.02 144,599,070.42
2,748,342.93 1,049,683.52 1,698,659.41 143,942,583.26
2,768,151.13 1,044,917.91 1,723,233.22 143,256,790.78
2,788,102.09 1,039,939.56 1,748,162.53 142,541,126.26
2,808,196.84 1,034,744.35 1,773,452.48 141,795,013.76
2,828,436.42 1,029,328.12 1,799,108.30 141,017,867.97
2,848,821.88 1,023,686.61 1,825,135.26 140,209,094.07
2,869,354.26 1,017,815.51 1,851,538.75 139,368,087.59
2,890,034.62 1,011,710.41 1,878,324.21 138,494,234.25
2,910,864.04 1,005,366.88 1,905,497.16 137,586,909.82
2,931,843.57 998,780.37 1,933,063.21 136,645,479.95
2,952,974.32 991,946.27 1,961,028.05 135,669,300.06
2,974,257.36 984,859.92 1,989,397.44 134,657,715.13
2,995,693.79 977,516.55 2,018,177.24 133,610,059.58
3,017,284.73 969,911.34 2,047,373.39 132,525,657.09
3,039,031.27 962,039.37 2,076,991.90 131,403,820.45
3,060,934.55 953,895.66 2,107,038.90 130,243,851.37
3,082,995.70 945,475.13 2,137,520.57 129,045,040.35
3,105,215.85 936,772.64 2,168,443.21 127,806,666.47
3,127,596.14 927,782.95 2,199,813.19 126,527,997.24
3,150,137.74 918,500.75 2,231,636.99 125,208,288.43
3,172,841.80 908,920.62 2,263,921.17 123,846,783.88
3,195,709.50 899,037.10 2,296,672.40 122,442,715.29
3,218,742.01 888,844.59 2,329,897.42 120,995,302.11
3,241,940.52 878,337.42 2,363,603.10 119,503,751.27
3,265,306.23 867,509.86 2,397,796.38 117,967,257.07
3,288,840.35 856,356.03 2,432,484.32 116,385,000.91
3,312,544.09 844,870.01 2,467,674.08 114,756,151.16
3,336,418.66 833,045.75 2,503,372.91 113,079,862.93
3,360,465.31 820,877.12 2,539,588.19 111,355,277.88

Page 14
 659563863.xls

3,384,685.27 808,357.90 2,576,327.38 109,581,523.99

3,409,079.79 795,481.74 2,613,598.05 107,757,715.41
3,433,650.13 782,242.22 2,651,407.91 105,882,952.20
3,458,397.56 768,632.81 2,689,764.75 103,956,320.12
3,483,323.35 754,646.87 2,728,676.48 101,976,890.45
3,508,428.79 740,277.66 2,768,151.13 99,943,719.75
3,533,715.17 725,518.33 2,808,196.84 97,855,849.61
3,559,183.80 710,361.92 2,848,821.88 95,712,306.48
3,584,835.98 694,801.36 2,890,034.62 93,512,101.40
3,610,673.06 678,829.48 2,931,843.57 91,254,229.77
3,636,696.34 662,438.99 2,974,257.36 88,937,671.15
3,662,907.19 645,622.46 3,017,284.73 86,561,388.97
3,689,306.95 628,372.39 3,060,934.55 84,124,330.34
3,715,896.98 610,681.13 3,105,215.85 81,625,425.74
3,742,678.65 592,540.91 3,150,137.74 79,063,588.83
3,769,653.34 573,943.85 3,195,709.50 76,437,716.19
3,796,822.45 554,881.93 3,241,940.52 73,746,687.00
3,824,187.38 535,347.03 3,288,840.35 70,989,362.86
3,851,749.53 515,330.87 3,336,418.66 68,164,587.49
3,879,510.34 494,825.06 3,384,685.27 65,271,186.44
3,907,471.22 473,821.09 3,433,650.13 62,307,966.85
3,935,633.63 452,310.28 3,483,323.35 59,273,717.16
3,963,999.02 430,283.85 3,533,715.17 56,167,206.83
3,992,568.84 407,732.85 3,584,835.98 52,987,186.07
4,021,344.57 384,648.23 3,636,696.34 49,732,385.51
4,050,327.70 361,020.76 3,689,306.95 46,401,515.94
4,079,519.72 336,841.08 3,742,678.65 42,993,268.02
4,108,922.14 312,099.69 3,796,822.45 39,506,311.96
4,138,536.47 286,786.94 3,851,749.53 35,939,297.19
4,168,364.24 260,893.02 3,907,471.22 32,290,852.10
4,198,406.99 234,407.98 3,963,999.02 28,559,583.69
4,228,666.27 207,321.70 4,021,344.57 24,744,077.27
4,259,143.63 179,623.91 4,079,519.72 20,842,896.12
4,289,840.66 151,304.19 4,138,536.47 16,854,581.13
4,320,758.93 122,351.94 4,198,406.99 12,777,650.56
4,351,900.03 92,756.40 4,259,143.63 8,610,599.58
4,383,265.58 62,506.66 4,320,758.93 4,351,900.03
4,414,857.20 31,591.61 4,383,265.58 0.00

Page 15
 SISTEMA DE AMORTIZACION: CUOTA FIJA PESOS
CUOTA MENSUAL POR MILLON
$ 1,000,000
$ 950,000
$ 900,000
$ 850,000
$ 800,000
$ 750,000
$ 700,000
$ 650,000
$ 600,000
$ 550,000
$ 500,000
$ 450,000
$ 400,000
$ 350,000
$ 300,000
$ 250,000
$ 200,000
$ 150,000
$ 100,000
$ 50,000
$-
- 12 24 36 48 60 72 Plazo
84 (meses)
96 108 120 132 144 156 168 180
PESOS Cuota fija
Préstamo $ 1,000,000
plazo (años) 15
interés (anual) 12%
plazo (meses) 180
interés (mensual) 1.0% 12,002
1 1,010,000
Cuota mensual $ 12,002 2 507,512
3 340,022
4 256,281
5 206,040
6 172,548
7 148,628
8 130,690
9 116,740
10 105,582
11 96,454
12 88,849
13 82,415
14 76,901
15 72,124
16 67,945
17 64,258
18 60,982
19 58,052
20 55,415
21 53,031
22 50,864
23 48,886
24 47,073
25 45,407
26 43,869
27 42,446
28 41,124
29 39,895
30 38,748
31 37,676
32 36,671
33 35,727
34 34,840
35 34,004
36 33,214
37 32,468
38 31,761
39 31,092
40 30,456
41 29,851
42 29,276
43 28,727
44 28,204
45 27,705
46 27,228
47 26,771
48 26,334
49 25,915
50 25,513
51 25,127
52 24,756
53 24,400
54 24,057
55 23,726
56 23,408
57 23,102
58 22,806
59 22,520
60 22,244
61 21,978
62 21,720
63 21,471
64 21,230
65 20,997
66 20,771
67 20,551
68 20,339
69 20,133
70 19,933
71 19,739
72 19,550
73 19,367
74 19,189
75 19,016
76 18,848
77 18,684
78 18,525
79 18,370
80 18,219
81 18,072
82 17,929
83 17,789
84 17,653
85 17,520
86 17,391
87 17,264
88 17,141
89 17,021
90 16,903
91 16,788
92 16,676
93 16,567
94 16,460
 95 16,355
96 16,253
97 16,153
98 16,055
99 15,959
100 15,866
101 15,774
102 15,684
103 15,597
104 15,511
105 15,427
106 15,344
107 15,263
108 15,184
109 15,107
110 15,031
111 14,956
112 14,883
113 14,812
114 14,741
115 14,672
116 14,605
117 14,539
118 14,474
119 14,410
120 14,347
121 14,286
122 14,225
123 14,166
124 14,108
125 14,051
126 13,995
127 13,939
128 13,885
129 13,832
130 13,780
131 13,728
132 13,678
133 13,628
134 13,579
135 13,532
136 13,484
137 13,438
138 13,392
139 13,348
140 13,303
141 13,260
142 13,217
143 13,175
144 13,134
145 13,094
146 13,054
147 13,014
148 12,976
149 12,937
150 12,900
151 12,863
152 12,827
153 12,791
154 12,756
155 12,721
156 12,687
157 12,653
158 12,620
159 12,587
160 12,555
161 12,523
162 12,492
163 12,461
164 12,431
165 12,401
166 12,372
167 12,343
168 12,314
169 12,286
170 12,258
171 12,231
172 12,204
173 12,178
174 12,151
175 12,125
176 12,100
177 12,075
178 12,050
179 12,026
180 12,002