ALUMNO: HECTOR MANUEL CORDOVA RAMIREZ

Cedula de amortizacion de deuda

Tipo de credito
Tarjeta ejecutiva
internacional
Platinium
Credito revolvente
American Express
Credito de
habilitacion y avio
Credito de capital
de trabajo
Credito para la
adquisicion de
activo fijo

CAT

Principal

Numero de
periodos

Pagos

36%

2,000,000

Mensuales

30%

3,000,000

Mensuales

13%

1,000,000

1.5

Semestral

16%

700,000

Bimestral

15%

5,000,000

Trimestral

Credito Tarjeta Ejecutiva Internacional P

Tasa efectiva

3%
Saldos insolutos

n
1
2
3
4
5
6
7
8
9
10
11
12
13
14

Pago periodico
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83

Pago de
Amortizacin del
intereses
principal
$60,000.00
$58,094.83
$58,257.16
$59,837.68
$56,462.02
$61,632.81
$54,613.04
$63,481.79
$52,708.59
$65,386.25
$50,747.00
$67,347.83
$48,726.56
$69,368.27
$46,645.52
$71,449.32
$44,502.04
$73,592.79
$42,294.25
$75,800.58
$40,020.24
$78,074.60
$37,678.00
$80,416.83
$35,265.49
$82,829.34
$32,780.61
$85,314.22

2,000,000
$1,941,905.17
$1,882,067.49
$1,820,434.68
$1,756,952.89
$1,691,566.65
$1,624,218.82
$1,554,850.55
$1,483,401.23
$1,409,808.44
$1,334,007.86
$1,255,933.26
$1,175,516.43
$1,092,687.09
$1,007,372.87

15
16
17
18
19
20
21
22
23
24

$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83
$118,094.83

$30,221.19
$27,584.98
$24,869.68
$22,072.93
$19,192.27
$16,225.19
$13,169.10
$10,021.33
$6,779.13
$3,439.66

$87,873.65
$90,509.86
$93,225.15
$96,021.91
$98,902.56
$101,869.64
$104,925.73
$108,073.50
$111,315.71
$114,655.18

$919,499.22
$828,989.37
$735,764.22
$639,742.31
$540,839.75
$438,970.11
$334,044.38
$225,970.88
$114,655.18
$0.00

va Internacional Platinium
Tasa efectiva
3%
pp=(p*i)/(1-(1+i)^-n)
Pago de
Amortizacin del
n
Pago periodico
intereses
principal
1
118,094.83 60,000.00
58,094.83
2
118,094.83 58,257.16
59,837.68
3
118,094.83 56,462.02
61,632.81
4
118,094.83 54,613.04
63,481.79
5
118,094.83 52,708.59
65,386.25
6
118,094.83 50,747.00
67,347.83
7
118,094.83 48,726.56
69,368.27
8
118,094.83 46,645.52
71,449.32
9
118,094.83 44,502.04
73,592.79
10
118,094.83 42,294.25
75,800.58
11
118,094.83 40,020.24
78,074.60
12
118,094.83 37,678.00
80,416.83
13
118,094.83 35,265.49
82,829.34
14
118,094.83 32,780.61
85,314.22

Saldos insolutos
2,000,000
1,941,905.17
1,882,067.49
1,820,434.68
1,756,952.89
1,691,566.65
1,624,218.82
1,554,850.55
1,483,401.23
1,409,808.44
1,334,007.86
1,255,933.26
1,175,516.43
1,092,687.09
1,007,372.87

15
16
17
18
19
20
21
22
23
24

118,094.83
118,094.83
118,094.83
118,094.83
118,094.83
118,094.83
118,094.83
118,094.83
118,094.83
118,094.83

30,221.19
27,584.98
24,869.68
22,072.93
19,192.27
16,225.19
13,169.10
10,021.33
6,779.13
3,439.66

87,873.65
90,509.86
93,225.15
96,021.91
98,902.56
101,869.64
104,925.73
108,073.50
111,315.71
114,655.18

919,499.22
828,989.37
735,764.22
639,742.31
540,839.75
438,970.11
334,044.38
225,970.88
114,655.18
$0.00

ALUMNO: HECTOR MANUEL CORDOVA RAMIREZ

Cedula de amortizacion de deuda

Tipo de credito
Tarjeta ejecutiva
internacional
Platinium
Credito revolvente
American Express
Credito de
habilitacion y avio
Credito de capital
de trabajo
Credito para la
adquisicion de
activo fijo

CAT

Principal

Numero de
periodos

Pagos

36%

2,000,000

Mensuales

30%

3,000,000

Mensuales

13%

1,000,000

1.5

Semestral

16%

700,000

Bimestral

15%

5,000,000

Trimestral

Credito Revolvente American Ex

Tasa efectiva

3%
Saldos insolutos

n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

Pago periodico
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46

Pago de
Amortizacin del
intereses
principal
$75,000.00
$92,738.46
$72,681.54
$95,056.92
$70,305.12
$97,433.35
$67,869.28
$99,869.18
$65,372.55
$102,365.91
$62,813.40
$104,925.06
$60,190.28
$107,548.18
$57,501.57
$110,236.89
$54,745.65
$112,992.81
$51,920.83
$115,817.63
$49,025.39
$118,713.07
$46,057.56
$121,680.90
$43,015.54
$124,722.92
$39,897.47
$127,840.99
$36,701.44
$131,037.02
$33,425.52
$134,312.94

3,000,000
$2,907,261.54
$2,812,204.62
$2,714,771.27
$2,614,902.09
$2,512,536.18
$2,407,611.13
$2,300,062.94
$2,189,826.06
$2,076,833.25
$1,961,015.62
$1,842,302.55
$1,720,621.65
$1,595,898.73
$1,468,057.74
$1,337,020.72
$1,202,707.77

17
18
19
20
21
22
23
24

$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46
$167,738.46

$30,067.69
$26,625.93
$23,098.11
$19,482.10
$15,775.69
$11,976.62
$8,082.58
$4,091.18

$137,670.77
$141,112.54
$144,640.35
$148,256.36
$151,962.77
$155,761.84
$159,655.88
$163,647.28

$1,065,037.01
$923,924.47
$779,284.12
$631,027.76
$479,065.00
$323,303.16
$163,647.28
$0.00

vente American Express

Tasa efectiva
pp=(p*i)/(1-(1+i)^-n)
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16

Pago periodico
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46

3%
Saldos insolutos

Pago de intereses
75,000.00
72,681.54
70,305.12
67,869.28
65,372.55
62,813.40
60,190.28
57,501.57
54,745.65
51,920.83
49,025.39
46,057.56
43,015.54
39,897.47
36,701.44
33,425.52

Amortizacin del
principal
92,738.46
95,056.92
97,433.35
99,869.18
102,365.91
104,925.06
107,548.18
110,236.89
112,992.81
115,817.63
118,713.07
121,680.90
124,722.92
127,840.99
131,037.02
134,312.94

3,000,000
2,907,261.54
2,812,204.62
2,714,771.27
2,614,902.09
2,512,536.18
2,407,611.13
2,300,062.94
2,189,826.06
2,076,833.25
1,961,015.62
1,842,302.55
1,720,621.65
1,595,898.73
1,468,057.74
1,337,020.72
1,202,707.77

17
18
19
20
21
22
23
24

167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46
167,738.46

30,067.69
26,625.93
23,098.11
19,482.10
15,775.69
11,976.62
8,082.58
4,091.18

137,670.77
141,112.54
144,640.35
148,256.36
151,962.77
155,761.84
159,655.88
163,647.28

1,065,037.01
923,924.47
779,284.12
631,027.76
479,065.00
323,303.16
163,647.28
$0.00

ALU,MNO: HECTOR MANUEL CO

Cedula de amortizacion de deuda

Tipo de credito
Tarjeta ejecutiva
internacional
Platinium
Credito revolvente
American Express
Credito de
habilitacion y avio
Credito de capital
de trabajo
Credito para la
adquisicion de
activo fijo

CAT

Principal

Numero de
periodos

Pagos

36%

2,000,000

Mensuales

30%

3,000,000

Mensuales

13%

1,000,000

1.5

Semestral

16%

700,000

Bimestral

15%

5,000,000

Trimestral

Credito de Habitacion y Avio

Tasa efectiva

6.50%
Saldos insolutos

n
1
2
3

Pago periodico
$377,575.70
$377,575.70
$377,575.70

Pago de
Amortizacin del
intereses
principal
$65,000.00
$312,575.70
$44,682.58
$332,893.12
$23,044.53
$354,531.18

1,000,000
$687,424.30
$354,531.18
$0.00

CTOR MANUEL CORDOVA RAMIREZ

e Habitacion y Avio
Tasa efectiva
pp=(p*i)/(1-(1+i)^-n)
n

Pago periodico
1
2
3

377,575.70
377,575.70
377,575.70

6.50%
Saldos insolutos
Amortizacin del
principal
65,000.00
312,575.70
44,682.58
332,893.12
23,044.53
354,531.18

Pago de intereses

1,000,000
687,424.30
354,531.18
$0.00

amortizacion

Cedula de amortizacion de deuda

Tipo de credito
Tarjeta ejecutiva
internacional
Platinium
Credito revolvente
American Express
Credito de
habilitacion y avio
Credito de capital
de trabajo
Credito para la
adquisicion de
activo fijo

CAT

Principal

Numero de
periodos

Pagos

36%

2,000,000

Mensuales

30%

3,000,000

Mensuales

13%

1,000,000

1.5

Semestral

16%

700,000

Bimestral

15%

5,000,000

Trimestral

Credito de Capital de Trabaj

Tasa efectiva

2.67%
Saldos insolutos

n
1
2
3
4
5
6
7
8
9
10
11
12
13
14

Pago periodico
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61
$49,472.61

Pago de
Amortizacin del
intereses
principal
$18,666.67
$30,805.94
$17,845.17
$31,627.43
$17,001.78
$32,470.83
$16,135.89
$33,336.72
$15,246.91
$34,225.70
$14,334.22
$35,138.39
$13,397.20
$36,075.41
$12,435.19
$37,037.42
$11,447.52
$38,025.09
$10,433.52
$39,039.09
$9,392.48
$40,080.13
$8,323.68
$41,148.93
$7,226.37
$42,246.24
$6,099.80
$43,372.81

700,000
$669,194.06
$637,566.62
$605,095.79
$571,759.07
$537,533.37
$502,394.98
$466,319.57
$429,282.15
$391,257.06
$352,217.97
$312,137.84
$270,988.91
$228,742.67
$185,369.87

15
16
17
18

$49,472.61
$49,472.61
$49,472.61
$49,472.61

$4,943.20
$3,755.75
$2,536.63
$1,285.00

$44,529.41
$45,716.86
$46,935.98
$48,187.61

$140,840.45
$95,123.59
$48,187.61
$0.00

mortizacion

Capital de Trabajo
Tasa efectiva
pp=(p*i)/(1-(1+i)^-n)
n
1
2
3
4
5
6
7
8
9
10
11
12
13
14

Pago periodico
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61
49,472.61

2.67%
Saldos insolutos

Pago de intereses
18,666.67
17,845.17
17,001.78
16,135.89
15,246.91
14,334.22
13,397.20
12,435.19
11,447.52
10,433.52
9,392.48
8,323.68
7,226.37
6,099.80

Amortizacin del
principal
30,805.94
31,627.43
32,470.83
33,336.72
34,225.70
35,138.39
36,075.41
37,037.42
38,025.09
39,039.09
40,080.13
41,148.93
42,246.24
43,372.81

700,000
669,194.06
637,566.62
605,095.79
571,759.07
537,533.37
502,394.98
466,319.57
429,282.15
391,257.06
352,217.97
312,137.84
270,988.91
228,742.67
185,369.87

15
16
17
18

49,472.61
49,472.61
49,472.61
49,472.61

4,943.20
3,755.75
2,536.63
1,285.00

44,529.41
45,716.86
46,935.98
48,187.61

140,840.45
95,123.59
48,187.61
-0.00

ALUMNO: HECTOR MANUEL CORDOVA RAMIREZ

Cedula de amortizacion de deuda

Tipo de credito
Tarjeta ejecutiva
internacional
Platinium
Credito revolvente
American Express
Credito de
habilitacion y avio
Credito de capital
de trabajo
Credito para la
adquisicion de
activo fijo

CAT

Principal

Numero de
periodos

Pagos

36%

2,000,000

Mensuales

30%

3,000,000

Mensuales

13%

1,000,000

1.5

Semestral

16%

700,000

Bimestral

15%

5,000,000

Trimestral

Credito Adquisicin Activo fijo

Tasa efectiva

3.75%
Saldos insolutos

n
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Pago periodico
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49

Pago de
Amortizacin del
intereses
principal
187,500.00
172,310.49
181,038.36
178,772.13
174,334.40
185,476.08
167,379.05
192,431.44
160,162.87
199,647.62
152,676.08
207,134.40
144,908.54
214,901.94
136,849.72
222,960.77
128,488.69
231,321.79
119,814.13
239,996.36
110,814.26
248,996.22
101,476.90
258,333.58
91,789.39
268,021.09
81,738.60
278,071.88
71,310.91
288,499.58

5,000,000
4,827,689.51
4,648,917.38
4,463,441.30
4,271,009.86
4,071,362.24
3,864,227.84
3,649,325.90
3,426,365.13
3,195,043.34
2,955,046.98
2,706,050.75
2,447,717.17
2,179,696.08
1,901,624.19
1,613,124.61

16
17
18
19
20

$359,810.49
$359,810.49
$359,810.49
$359,810.49
$359,810.49

60,492.17
49,267.74
37,622.38
25,540.33
13,005.20

299,318.31
310,542.75
322,188.10
334,270.16
346,805.29

1,313,806.30
1,003,263.55
681,075.45
346,805.29
0.00

isicin Activo fijo

Tasa efectiva
3.75%
pp=(p*i)/(1-(1+i)^-n)
Pago de
Amortizacin del
n
Pago periodico
intereses
principal
1
359,810.49 187,500.00
172,310.49
2
359,810.49 181,038.36
178,772.13
3
359,810.49 174,334.40
185,476.08
4
359,810.49 167,379.05
192,431.44
5
359,810.49 160,162.87
199,647.62
6
359,810.49 152,676.08
207,134.40
7
359,810.49 144,908.54
214,901.94
8
359,810.49 136,849.72
222,960.77
9
359,810.49 128,488.69
231,321.79
10
359,810.49 119,814.13
239,996.36
11
359,810.49 110,814.26
248,996.22
12
359,810.49 101,476.90
258,333.58
13
359,810.49 91,789.39
268,021.09
14
359,810.49 81,738.60
278,071.88
15
359,810.49 71,310.91
288,499.58

Saldos insolutos
5,000,000
4,827,689.51
4,648,917.38
4,463,441.30
4,271,009.86
4,071,362.24
3,864,227.84
3,649,325.90
3,426,365.13
3,195,043.34
2,955,046.98
2,706,050.75
2,447,717.17
2,179,696.08
1,901,624.19
1,613,124.61

16
17
18
19
20

359,810.49
359,810.49
359,810.49
359,810.49
359,810.49

60,492.17
49,267.74
37,622.38
25,540.33
13,005.20

299,318.31
310,542.75
322,188.10
334,270.16
346,805.29

1,313,806.30
1,003,263.55
681,075.45
346,805.29
$0.00

ALUMNO: HECTOR MANUEL CORDOVA RAMIREZ

FINANCIAMIENTO PARA FLUJO DE EFECTIVO
CREDITO

Tarjeta ejecutiva
internacional Platinium

2011
Principal

$824,483.57

Intereses

$592,654.41 $241,621.55

Total

Principal
Credito revolvente
American Express

2012

Intereses
Total

Credito de habilitacion y avio

###

###

###

###

###

2013

2014
-

$0.00

$0.00

$0.00

$0.00

$733,483.18 $292,239.89
###

###

ECTIVO
2015
$0.00

$0.00