trabajo individual tres excel

Desarrollo Actividad Tres Individual

Estudiante:Laura Daniela Lozano Bernal

Codigo: 1.110.527.531

Tutora: Maria Crisalia Gallo Araque

Matematica Finanaciera102007_160

Universidad nacional abierta y a distancia - UNAD9/14/2015

Ibagué

Tabla de amortizacion fija a capital

CAPITAL $ 215,000,000.00 TASA MENSUAL 1.25% PERIODOS 18

PERIODO SALDO INICIAL CUOTA INTERESES AMORTIZACION 1 $ 215,000,000.00 $ 14,631,944.44 $ 2,687,500.00 $ 11,944,444.44

2 203,055,555.56 $ 14,482,638.89 $ 2,538,194.44 $ 11,944,444.44 3 191,111,111.11 $ 14,333,333.33 $ 2,388,888.89 $ 11,944,444.44 4 179,166,666.67 $ 14,184,027.78 $ 2,239,583.33 $ 11,944,444.44 5 167,222,222.22 $ 14,034,722.22 $ 2,090,277.78 $ 11,944,444.44 6 155,277,777.78 $ 13,885,416.67 $ 1,940,972.22 $ 11,944,444.44 7 143,333,333.33 $ 13,736,111.11 $ 1,791,666.67 $ 11,944,444.44 8 131,388,888.89 $ 13,586,805.56 $ 1,642,361.11 $ 11,944,444.44 9 119,444,444.44 $ 13,437,500.00 $ 1,493,055.56 $ 11,944,444.44

10 107,500,000.00 $ 13,288,194.44 $ 1,343,750.00 $ 11,944,444.44 11 95,555,555.56 $ 13,138,888.89 $ 1,194,444.44 $ 11,944,444.44 12 83,611,111.11 $ 12,989,583.33 $ 1,045,138.89 $ 11,944,444.44 13 71,666,666.67 $ 12,840,277.78 $ 895,833.33 $ 11,944,444.44 14 59,722,222.22 $ 12,690,972.22 $ 746,527.78 $ 11,944,444.44 15 47,777,777.78 $ 12,541,666.67 $ 597,222.22 $ 11,944,444.44 16 35,833,333.33 $ 12,392,361.11 $ 447,916.67 $ 11,944,444.44 17 23,888,888.89 $ 12,243,055.56 $ 298,611.11 $ 11,944,444.44 18 11,944,444.44 $ 12,093,750.00 $ 149,305.56 $ 11,944,444.44

22,395,833.33

25,531,250.00

SUMATORIA INTERESES PRIMER

AÑO

SUMATORIA INTERESES TOTALES

Tabla de amortizacion fija a capital

SALDO FINAL $ 203,055,555.56 $ 191,111,111.11 $ 179,166,666.67 $ 167,222,222.22 $ 155,277,777.78 $ 143,333,333.33 $ 131,388,888.89 $ 119,444,444.44 $ 107,500,000.00 $ 95,555,555.56 $ 83,611,111.11 $ 71,666,666.67 $ 59,722,222.22 $ 47,777,777.78 $ 35,833,333.33 $ 23,888,888.89 $ 11,944,444.44 $ (0.00)

Tabla de amortizacion gradiente geometrico decreciente

CAPITAL $ 215,000,000.00 TASA MENSUAL 1.25% PERIODOS AMORTIZACION 18 CUOTA DECRECIENTE -2%

PERIODO SALDO INICIAL CUOTA INTERESES 1 $ 215,000,000.00 $ 15,732,351.08 $ 2,687,500.00 2 $ 201,955,148.92 $ 15,417,704.05 $ 2,524,439.36 3 $ 189,061,884.23 $ 15,109,349.97 $ 2,363,273.55 4 $ 176,315,807.81 $ 14,807,162.97 $ 2,203,947.60 5 $ 163,712,592.44 $ 14,511,019.71 $ 2,046,407.41 6 $ 151,247,980.13 $ 14,220,799.32 $ 1,890,599.75 7 $ 138,917,780.56 $ 13,936,383.33 $ 1,736,472.26 8 $ 126,717,869.48 $ 13,657,655.67 $ 1,583,973.37 9 $ 114,644,187.19 $ 13,384,502.55 $ 1,433,052.34

10 $ 102,692,736.97 $ 13,116,812.50 $ 1,283,659.21 11 $ 90,859,583.68 $ 12,854,476.25 $ 1,135,744.80 12 $ 79,140,852.23 $ 12,597,386.73 $ 989,260.65 13 $ 67,532,726.15 $ 12,345,438.99 $ 844,159.08 14 $ 56,031,446.24 $ 12,098,530.21 $ 700,393.08 15 $ 44,633,309.10 $ 11,856,559.61 $ 557,916.36 16 $ 33,334,665.86 $ 11,619,428.42 $ 416,683.32 17 $ 22,131,920.77 $ 11,387,039.85 $ 276,649.01 18 $ 11,021,529.93 $ 11,159,299.05 $ 137,769.12

$ 21,878,330.30

$ 24,811,900.27


AÑO SUMATORIA INTERESES TOTALES

Tabla de amortizacion gradiente geometrico decreciente

AMORTIZACION SALDO FINAL $ 13,044,851.08 $ 201,955,148.92 $ 12,893,264.69 $ 189,061,884.23 $ 12,746,076.42 $ 176,315,807.81 $ 12,603,215.38 $ 163,712,592.44 $ 12,464,612.31 $ 151,247,980.13 $ 12,330,199.57 $ 138,917,780.56 $ 12,199,911.08 $ 126,717,869.48 $ 12,073,682.30 $ 114,644,187.19 $ 11,951,450.21 $ 102,692,736.97 $ 11,833,153.29 $ 90,859,583.68 $ 11,718,731.46 $ 79,140,852.23 $ 11,608,126.07 $ 67,532,726.15 $ 11,501,279.92 $ 56,031,446.24 $ 11,398,137.13 $ 44,633,309.10 $ 11,298,643.24 $ 33,334,665.86 $ 11,202,745.09 $ 22,131,920.77 $ 11,110,390.84 $ 11,021,529.93 $ 11,021,529.93 $ (0.00)

Tabla de amortizacion pago a cuota fija

CAPITAL $ 215,000,000.00 TASA PERIODICA MENSUAL 1.25% PERIODOS 18 PAGO

PERIODO SALDO INICIAL CUOTA INTERESES AMORTIZACION 1 $ 215,000,000.00 $ 13,412,729.26 $ 2,687,500.00 $ 10,725,229.26

2 $ 204,274,770.74 $ 13,412,729.26 $ 2,553,434.63 $ 10,859,294.63 3 $ 193,415,476.11 $ 13,412,729.26 $ 2,417,693.45 $ 10,995,035.81 4 $ 182,420,440.30 $ 13,412,729.26 $ 2,280,255.50 $ 11,132,473.76 5 $ 171,287,966.54 $ 13,412,729.26 $ 2,141,099.58 $ 11,271,629.68 6 $ 160,016,336.86 $ 13,412,729.26 $ 2,000,204.21 $ 11,412,525.05 7 $ 148,603,811.81 $ 13,412,729.26 $ 1,857,547.65 $ 11,555,181.61 8 $ 137,048,630.20 $ 13,412,729.26 $ 1,713,107.88 $ 11,699,621.38 9 $ 125,349,008.81 $ 13,412,729.26 $ 1,566,862.61 $ 11,845,866.65

10 $ 113,503,142.16 $ 13,412,729.26 $ 1,418,789.28 $ 11,993,939.99 11 $ 101,509,202.17 $ 13,412,729.26 $ 1,268,865.03 $ 12,143,864.23 12 $ 89,365,337.94 $ 13,412,729.26 $ 1,117,066.72 $ 12,295,662.54 13 $ 77,069,675.40 $ 13,412,729.26 $ 963,370.94 $ 12,449,358.32 14 $ 64,620,317.08 $ 13,412,729.26 $ 807,753.96 $ 12,604,975.30 15 $ 52,015,341.78 $ 13,412,729.26 $ 650,191.77 $ 12,762,537.49 16 $ 39,252,804.29 $ 13,412,729.26 $ 490,660.05 $ 12,922,069.21 17 $ 26,330,735.09 $ 13,412,729.26 $ 329,134.19 $ 13,083,595.07 18 $ 13,247,140.01 $ 13,412,729.26 $ 165,589.25 $ 13,247,140.01

$ 23,022,426.55

$ 26,429,126.72

SUMATORIA INTERESES

PRIMER AÑO SUMATORIA INTERESES TOTALES

Tabla de amortizacion pago a cuota fija

SALDO FINAL $ 204,274,770.74 $ 193,415,476.11 $ 182,420,440.30 $ 171,287,966.54 $ 160,016,336.86 $ 148,603,811.81 $ 137,048,630.20 $ 125,349,008.81 $ 113,503,142.16 $ 101,509,202.17 $ 89,365,337.94 $ 77,069,675.40 $ 64,620,317.08 $ 52,015,341.78 $ 39,252,804.29 $ 26,330,735.09 $ 13,247,140.01 $ (0.00)

Tabla de amortizacion pago a cuota fija con periodo de gracia

CAPITAL $ 215,000,000.00 PERIODO DE GRACIATASA MENSUAL 1.25% PERIODOS TOTALESPERIODOS 12

PERIODO SALDO INCIAL CUOTA INTERESES AMORTIZACION1 $ 215,000,000.00 $ 2,687,500.00 $ 2,687,500.00 $ - 2 $ 215,000,000.00 $ 2,687,500.00 $ 2,687,500.00 $ - 3 $ 215,000,000.00 $ 2,687,500.00 $ 2,687,500.00 $ - 4 $ 215,000,000.00 $ 2,687,500.00 $ 2,687,500.00 $ - 5 $ 215,000,000.00 $ 2,687,500.00 $ 2,687,500.00 $ - 6 $ 215,000,000.00 $ 2,687,500.00 $ 2,687,500.00 $ - 7 $ 215,000,000.00 $ 19,405,537.15 $ 2,687,500.00 $ 16,718,037.15 8 $ 198,281,962.85 $ 19,405,537.15 $ 2,478,524.54 $ 16,927,012.62 9 $ 181,354,950.23 $ 19,405,537.15 $ 2,266,936.88 $ 17,138,600.28

10 $ 164,216,349.95 $ 19,405,537.15 $ 2,052,704.37 $ 17,352,832.78 11 $ 146,863,517.17 $ 19,405,537.15 $ 1,835,793.96 $ 17,569,743.19 12 $ 129,293,773.98 $ 19,405,537.15 $ 1,616,172.17 $ 17,789,364.98 13 $ 111,504,409.00 $ 19,405,537.15 $ 1,393,805.11 $ 18,011,732.04 14 $ 93,492,676.96 $ 19,405,537.15 $ 1,168,658.46 $ 18,236,878.69 15 $ 75,255,798.27 $ 19,405,537.15 $ 940,697.48 $ 18,464,839.68 16 $ 56,790,958.59 $ 19,405,537.15 $ 709,886.98 $ 18,695,650.17 17 $ 38,095,308.42 $ 19,405,537.15 $ 476,191.36 $ 18,929,345.80 18 $ 19,165,962.62 $ 19,405,537.15 $ 239,574.53 $ 19,165,962.62

$ 29,062,631.93

$ 33,991,445.85

SUMATORIA INTERESES

PRIMER AÑO SUMATORIA INTERESES TOTALES

Tabla de amortizacion pago a cuota fija con periodo de gracia

PERIODO DE GRACIA 6PERIODOS TOTALES 18

SALDO FINAL $ 215,000,000.00 $ 215,000,000.00 $ 215,000,000.00 $ 215,000,000.00 $ 215,000,000.00 $ 215,000,000.00 $ 198,281,962.85 $ 181,354,950.23 $ 164,216,349.95 $ 146,863,517.17 $ 129,293,773.98 $ 111,504,409.00 $ 93,492,676.96 $ 75,255,798.27 $ 56,790,958.59 $ 38,095,308.42 $ 19,165,962.62 $ -

Tabla de amortizacion pago a cuota fija con periodo muerto

CAPITAL $ 215,000,000.00 PERIODO MUERTOTASA MENSUAL 1.25% PERIODOS TOTALESPERIODOS AMORTIZACION 12 CAPITAL AMORTIZAR

PERIODO SALDO INICIAL CUOTA INTERES AMORTIZACION1 $ 215,000,000.00 $ - $ 2,687,500.00 $ (2,687,500.00)2 $ 217,687,500.00 $ - $ 2,721,093.75 $ (2,721,093.75)3 $ 220,408,593.75 $ - $ 2,755,107.42 $ (2,755,107.42)4 $ 223,163,701.17 $ - $ 2,789,546.26 $ (2,789,546.26)5 $ 225,953,247.44 $ - $ 2,824,415.59 $ (2,824,415.59)6 $ 228,777,663.03 $ - $ 2,859,720.79 $ (2,859,720.79)7 $ 231,637,383.82 $ 20,907,199.34 $ 2,895,467.30 $ 18,011,732.04 8 $ 213,625,651.78 $ 20,907,199.34 $ 2,670,320.65 $ 18,236,878.69 9 $ 195,388,773.08 $ 20,907,199.34 $ 2,442,359.66 $ 18,464,839.68

10 $ 176,923,933.41 $ 20,907,199.34 $ 2,211,549.17 $ 18,695,650.17 11 $ 158,228,283.24 $ 20,907,199.34 $ 1,977,853.54 $ 18,929,345.80 12 $ 139,298,937.44 $ 20,907,199.34 $ 1,741,236.72 $ 19,165,962.62 13 $ 120,132,974.82 $ 20,907,199.34 $ 1,501,662.19 $ 19,405,537.15 14 $ 100,727,437.66 $ 20,907,199.34 $ 1,259,092.97 $ 19,648,106.37 15 $ 81,079,331.29 $ 20,907,199.34 $ 1,013,491.64 $ 19,893,707.70 16 $ 61,185,623.59 $ 20,907,199.34 $ 764,820.29 $ 20,142,379.04 17 $ 41,043,244.55 $ 20,907,199.34 $ 513,040.56 $ 20,394,158.78 18 $ 20,649,085.77 $ 20,907,199.34 $ 258,113.57 $ 20,649,085.77

$ 30,576,170.85

$ 35,886,392.07


AÑO SUMATORIA INTERESES TOTALES

Tabla de amortizacion pago a cuota fija con periodo muerto

PERIODO MUERTO 6PERIODOS TOTALES 18CAPITAL AMORTIZAR $ 231,637,383.82

SALDO FINAL $ 217,687,500.00 $ 220,408,593.75 $ 223,163,701.17 $ 225,953,247.44 $ 228,777,663.03 $ 231,637,383.82 $ 213,625,651.78 $ 195,388,773.08 $ 176,923,933.41 $ 158,228,283.24 $ 139,298,937.44 $ 120,132,974.82 $ 100,727,437.66 $ 81,079,331.29 $ 61,185,623.59 $ 41,043,244.55 $ 20,649,085.77 $ -

Estados de resultado

CUENTA 2014 INCREMENTO

Ingresos por ventas $ 938,391,011.00 $ 187,678,202.20 $ 1,126,069,213.20 costo de ventas $ 246,708,856.00 $ 37,006,328.40 $ 283,715,184.40 Utilidad bruta $ 691,682,155.00 $ 842,354,028.80 Gastos operacionales $ 180,745,422.00 $ 180,745,422.00 Utilidad operacional $ 510,936,733.00 $ 661,608,606.80

$ -

0Utilidad antes de impuestos $ 510,936,733.00 $ 661,608,606.80 Impuestos $ 127,734,183.25 $ 165,402,151.70 Utilidad neta $ 383,202,549.75 $ 496,206,455.10

ESTADO DE RESULTADO AJUSTADO

Gastos financieros (sumatoria de los intereses del primer año de

cada tabla de amortización)

Estados de resultado Fija a capital



$ -

22,395,833.33 Utilidad antes de impuestos $ 510,936,733.00 $ 639,212,773.47 Impuestos $ 127,734,183.25 $ 159,803,193.37 Utilidad neta $ 383,202,549.75 $ 479,409,580.10




Estados de resultado gradiente geometrico decreciente



$ -





Estados de resultado pago a cuota fija



$ -





Estados de resultado periodo de gracia



$ -





Estados de resultado periodo muerto



$ -





Tabla de amortizaciones

$ 215,000,000.00 1.25% NA NA 18

$ 215,000,000.00 1.25% NA NA 18

$ 215,000,000.00 1.25% NA NA 18

$ 215,000,000.00 1.25% 6 NA 18

$ 215,000,000.00 1.25% NA 6 18

Nombres y apellidos integrante del grupo (Diligencia en el cuadro siguiente el nombre completo de quien comparte la tabla)

MONTO SOLICITADO

TASA DE INTERES

EFECTIVA MENSUAL

PERIODO DE GRACIA

PERIODO MUERTO

TOTAL PERIODOS

CUOTA MENSUAL

AMORTIZACION FIJA A CAPITAL

AMORTIZACION GRADIENTE GEOMETRICA DECRECIENTE

AMORTIZACION PAGO CUOTA FIJA

CUOTA FIJA CON PERIODO DE GRACIA

CUOTA FIJA CON PERIODO MUERTO

Tabla de amortizaciones

IMPUESTOS UTILIDAD

$ 25,531,250.00 $ 22,395,833.33 $ 159,803,193.37 $ 479,409,580.10

$ 24,811,900.27 $ 21,878,330.30 $ 159,932,569.13 $ 479,797,707.38

$ 26,429,126.72 $ 23,022,426.55 $ 159,646,545.06 $ 478,939,635.19

$ 33,991,445.85 $ 29,062,631.93 $ 158,136,493.72 $ 474,409,481.15

$ 35,886,392.07 $ 30,576,170.85 $ 157,758,108.99 $ 473,274,326.96

INTERESES TOTALES

INTERESES PRIMER AÑO

trabajo individual tres excel

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