Problema

Maria esta considerando la compra de una vivienda, pero ella en el momento no tiene dinero y necesita fianncia
sacarlo a un plazo de 10 años y a pagos mensuales. Esto con el objetivo de evaluar las diferentes opciones de fina
banco local en busca de un asesoramiento.

Al llegar al banco, Maria se encuentra con un agente bancario y expone su situacion. El agente le informa que el
para prestamos hipotecarios a 10 años con pagos mensuales, que estos tienen un UVR mensual de 152,3256 , ac
mercado, pero como qudan cuota fijas del 1,10 mensuales, aparte de eso le indica a maria que la tasa mensual re
esto a Maria le parece muy interesante ya que las tasas del banco no estan tan altas a comparacion con otros ba

Entonces el asesor le pregunta a Maria de cuanto es el credito que va a solicitar para la vivienda, ella le dice que
siendo asi, el agente le informa que el banco ofrece varios sistemas de amortizacion para prestamos hipotecarios
incluyen un sistema de amortizacion por medio de cuota fija en UVR, un sistema de amortizacion por medio ed c
gradiante aritmetico, un sistema de amortizacion por medio e cuota UVR creciente o decreciente en gradiante ge
amortizacion por medio de cuota UVR creciente en gradiante escalonado.

Sin embargo, ya el asesor le dio a maria las tasas y los valores del UVR, como a Maria le parece muy interesante e
esta lista para explorar los diferentes sistemas de amortizacion y asi mismo tomar una decision informada sobre
Ademas, ella busca en la web como puede hacer un analisis comparativo de los diferentes sistemas de amortizac
adevuada para sus necesidades financieras.
 tiene dinero y necesita fiannciarla a traves de un prestamo hipotecario y
ar las diferentes opciones de financiamiento disponibles, decide vistar un

on. El agente le informa que el banco ofrece varios sistemas de amortizacion

n UVR mensual de 152,3256 , acompañados de la inflacion dependiendo el
a a maria que la tasa mensual remunatoria del credito es del 1,3%, viendo
tas a comparacion con otros bancos.

para la vivienda, ella le dice que el credito es de $250.000.000 de pesos,

on para prestamos hipotecarios a 10 años con pagos mensuales. Estos
de amortizacion por medio ed cuota UVR creciente o decreciente en
te o decreciente en gradiante geometrico o por ultimo un sistema de

aria le parece muy interesante estos beneficos del banco, Maria de una vez
r una decision informada sobre como financiar la compra de su vivienda.
iferentes sistemas de amortizacion para determinar cual seria la opcion mas
 n
Datos 0
UVR Base 139.5582 1
Inflacion mes 0.87% 2
Tasa remunerativa mes 2.21% 3
iv Mes vencido 3.10% 4
P $ 180,000,000.00 5
n 120 6
TEA 0.443 7
8
GRADIENTE ARITMETICO 9
GA -50 10
Hipótesis/A 100 11
12
GRADIANTE GEOMÉTRICO 120 13
GG 5% 14
Hipotesis/G 3.9101468069253 15
r 105% 16
17
GRADIENTE ESCALONADO 18
Ge 10% 19
r 1.10 20
Hipótesis 806.804981413022 21
22
23
24
Saldo final en $ 25
$ 7,000,000,000 26
27
$ 6,000,000,000
28
$ 5,000,000,000 29
30
$ 4,000,000,000 31
$ 3,000,000,000 32
33
$ 2,000,000,000 34
35
$ 1,000,000,000
36
$- 37
0 20 40 60 80 100 120 140
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39
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 SISTEMA DE AMORTIZACION CU
VR. UVR Saldo inicial $ Cuota UVR Interes UVR
139.5582
140.7772 $ 180,000,000.00 $ 806.8050 $ 28,509.9772
142.0068 $ 185,419,489.12 $ 806.8050 $ 29,122.3407
143.2472 $ 191,058,876.74 $ 806.8050 $ 29,748.2400
144.4984 $ 196,872,265.77 $ 806.8050 $ 30,387.9745
145.7605 $ 202,865,047.09 $ 806.8050 $ 31,041.8500
147.0337 $ 209,042,778.82 $ 806.8050 $ 31,710.1791
148.3180 $ 215,411,191.45 $ 806.8050 $ 32,393.2812
149.6135 $ 221,976,193.24 $ 806.8050 $ 33,091.4829
150.9203 $ 228,743,875.73 $ 806.8050 $ 33,805.1180
152.2385 $ 235,720,519.40 $ 806.8050 $ 34,534.5275
153.5682 $ 242,912,599.55 $ 806.8050 $ 35,280.0603
154.9096 $ 250,326,792.33 $ 806.8050 $ 36,042.0727
156.2627 $ 257,969,981.01 $ 887.4855 $ 36,820.9289
157.6276 $ 265,836,655.00 $ 887.4855 $ 37,615.2180
159.0044 $ 273,946,237.22 $ 887.4855 $ 38,427.0643
160.3932 $ 282,306,255.05 $ 887.4855 $ 39,256.8561
161.7942 $ 290,924,469.36 $ 887.4855 $ 40,104.9899
163.2074 $ 299,808,881.78 $ 887.4855 $ 40,971.8713
164.6329 $ 308,967,742.13 $ 887.4855 $ 41,857.9146
166.0709 $ 318,409,556.16 $ 887.4855 $ 42,763.5435
167.5215 $ 328,143,093.47 $ 887.4855 $ 43,689.1907
168.9847 $ 338,177,395.70 $ 887.4855 $ 44,635.2989
170.4608 $ 348,521,784.98 $ 887.4855 $ 45,602.3203
171.9497 $ 359,185,872.63 $ 887.4855 $ 46,590.7171
173.4516 $ 370,179,568.12 $ 976.2340 $ 47,600.9620
174.9666 $ 381,497,694.77 $ 976.2340 $ 48,631.5760
176.4949 $ 393,165,567.83 $ 976.2340 $ 49,684.9711
178.0365 $ 405,194,027.77 $ 976.2340 $ 50,761.6510
179.5915 $ 417,594,251.31 $ 976.2340 $ 51,862.1303
181.1602 $ 430,377,761.94 $ 976.2340 $ 52,986.9351
182.7426 $ 443,556,440.60 $ 976.2340 $ 54,136.6030
184.3387 $ 457,142,536.81 $ 976.2340 $ 55,311.6838
185.9489 $ 471,148,680.11 $ 976.2340 $ 56,512.7390
187.5731 $ 485,587,891.84 $ 976.2340 $ 57,740.3430
189.2114 $ 500,473,597.30 $ 976.2340 $ 58,995.0824
190.8641 $ 515,819,638.30 $ 976.2340 $ 60,277.5572
192.5312 $ 531,640,286.03 $ 1,073.8574 $ 61,588.3803
194.2129 $ 547,931,458.92 $ 1,073.8574 $ 62,926.0206
195.9093 $ 564,726,375.52 $ 1,073.8574 $ 64,293.2287
197.6205 $ 582,040,652.28 $ 1,073.8574 $ 65,690.6582
199.3466 $ 599,890,390.16 $ 1,073.8574 $ 67,118.9771
201.0878 $ 618,292,189.57 $ 1,073.8574 $ 68,578.8681
202.8442 $ 637,263,165.98 $ 1,073.8574 $ 70,071.0293
204.6160 $ 656,820,965.83 $ 1,073.8574 $ 71,596.1739
206.4032 $ 676,983,783.00 $ 1,073.8574 $ 73,155.0310
208.2061 $ 697,770,375.85 $ 1,073.8574 $ 74,748.3457
210.0247 $ 719,200,084.69 $ 1,073.8574 $ 76,376.8798
211.8592 $ 741,292,849.88 $ 1,181.2432 $ 78,041.4117
213.7097 $ 764,046,479.73 $ 1,181.2432 $ 79,740.3635
215.5763 $ 787,504,017.00 $ 1,181.2432 $ 81,476.8697
217.4593 $ 811,687,286.35 $ 1,181.2432 $ 83,251.7604
219.3587 $ 836,618,789.52 $ 1,181.2432 $ 85,065.8841
221.2747 $ 862,321,726.35 $ 1,181.2432 $ 86,920.1080
223.2075 $ 888,820,016.47 $ 1,181.2432 $ 88,815.3185
225.1571 $ 916,138,321.62 $ 1,181.2432 $ 90,752.4216
227.1238 $ 944,302,068.64 $ 1,181.2432 $ 92,732.3433
229.1076 $ 973,337,473.28 $ 1,181.2432 $ 94,756.0301
231.1088 $ 1,003,271,564.63 $ 1,181.2432 $ 96,824.4493
233.1274 $ 1,034,132,210.37 $ 1,181.2432 $ 98,938.5898
235.1637 $ 1,065,948,142.80 $ 1,181.2432 $ 101,099.4623
237.2177 $ 1,098,748,985.65 $ 1,299.3675 $ 103,308.0996
239.2897 $ 1,132,537,260.60 $ 1,299.3675 $ 105,562.9466
241.3798 $ 1,167,371,364.99 $ 1,299.3675 $ 107,867.6357
243.4882 $ 1,203,283,729.60 $ 1,299.3675 $ 110,223.2688
245.6150 $ 1,240,307,791.42 $ 1,299.3675 $ 112,630.9717
247.7603 $ 1,278,478,024.82 $ 1,299.3675 $ 115,091.8957
249.9244 $ 1,317,829,973.82 $ 1,299.3675 $ 117,607.2170
252.1074 $ 1,358,400,285.18 $ 1,299.3675 $ 120,178.1381
254.3094 $ 1,400,226,742.73 $ 1,299.3675 $ 122,805.8880
256.5307 $ 1,443,348,302.55 $ 1,299.3675 $ 125,491.7229
258.7714 $ 1,487,805,129.43 $ 1,299.3675 $ 128,236.9267
261.0317 $ 1,533,638,634.32 $ 1,299.3675 $ 131,042.8117
263.3117 $ 1,580,891,513.01 $ 1,429.3042 $ 133,910.7193
265.6116 $ 1,629,573,572.18 $ 1,429.3042 $ 136,839.1481
267.9316 $ 1,679,763,051.45 $ 1,429.3042 $ 139,832.3084
270.2719 $ 1,731,506,700.56 $ 1,429.3042 $ 142,891.6307
272.6326 $ 1,784,852,719.72 $ 1,429.3042 $ 146,018.5777
275.0139 $ 1,839,850,804.65 $ 1,429.3042 $ 149,214.6442
277.4161 $ 1,896,552,192.97 $ 1,429.3042 $ 152,481.3579
279.8392 $ 1,955,009,712.08 $ 1,429.3042 $ 155,820.2806
282.2835 $ 2,015,277,828.44 $ 1,429.3042 $ 159,233.0083
284.7491 $ 2,077,412,698.47 $ 1,429.3042 $ 162,721.1725
287.2363 $ 2,141,472,220.96 $ 1,429.3042 $ 166,286.4406
289.7452 $ 2,207,516,091.18 $ 1,429.3042 $ 169,930.5170
292.2760 $ 2,275,605,856.60 $ 1,572.2347 $ 173,655.1438
294.8289 $ 2,345,763,199.21 $ 1,572.2347 $ 177,458.9419
297.4041 $ 2,418,093,658.97 $ 1,572.2347 $ 181,346.8210
300.0018 $ 2,492,664,637.24 $ 1,572.2347 $ 185,320.6394
302.6222 $ 2,569,545,626.70 $ 1,572.2347 $ 189,382.2969
305.2655 $ 2,648,808,276.20 $ 1,572.2347 $ 193,533.7352
307.9319 $ 2,730,526,457.73 $ 1,572.2347 $ 197,776.9387
310.6215 $ 2,814,776,335.33 $ 1,572.2347 $ 202,113.9359
313.3347 $ 2,901,636,436.28 $ 1,572.2347 $ 206,546.8000
316.0715 $ 2,991,187,724.40 $ 1,572.2347 $ 211,077.6502
318.8323 $ 3,083,513,675.68 $ 1,572.2347 $ 215,708.6523
321.6171 $ 3,178,700,356.19 $ 1,572.2347 $ 220,442.0201
324.4263 $ 3,276,836,502.52 $ 1,572.2347 $ 225,280.0165
327.2601 $ 3,378,013,604.60 $ 1,729.4581 $ 230,224.9541
330.1186 $ 3,482,274,538.16 $ 1,729.4581 $ 235,275.7215
333.0020 $ 3,589,765,965.68 $ 1,729.4581 $ 240,438.1333
335.9106 $ 3,700,588,093.03 $ 1,729.4581 $ 245,714.6575
338.8447 $ 3,814,844,235.32 $ 1,729.4581 $ 251,107.8162
341.8044 $ 3,932,640,913.38 $ 1,729.4581 $ 256,620.1878
344.7899 $ 4,054,087,953.20 $ 1,729.4581 $ 262,254.4074
347.8015 $ 4,179,298,588.54 $ 1,729.4581 $ 268,013.1683
350.8394 $ 4,308,389,566.63 $ 1,729.4581 $ 273,899.2234
353.9038 $ 4,441,481,257.23 $ 1,729.4581 $ 279,915.3865
356.9950 $ 4,578,697,765.03 $ 1,729.4581 $ 286,064.5336
360.1132 $ 4,720,167,045.56 $ 1,902.4039 $ 292,349.6042
363.2587 $ 4,865,958,744.59 $ 1,902.4039 $ 298,769.7800
366.4316 $ 5,016,268,684.89 $ 1,902.4039 $ 305,331.8703
369.6322 $ 5,171,237,024.80 $ 1,902.4039 $ 312,039.0119
372.8608 $ 5,331,008,271.59 $ 1,902.4039 $ 318,894.4112
376.1176 $ 5,495,731,416.47 $ 1,902.4039 $ 325,901.3454
379.4028 $ 5,665,560,073.65 $ 1,902.4039 $ 333,063.1640
382.7168 $ 5,840,652,623.90 $ 1,902.4039 $ 340,383.2907
386.0596 $ 6,021,172,362.35 $ 1,902.4039 $ 347,865.2247
389.4317 $ 6,207,287,651.10 $ 1,902.4039 $ 355,512.5428
392.8332 $ 6,399,172,076.37 $ 1,902.4039 $ 363,328.9006
396.2645 $ 6,597,004,610.65 $ 1,902.4039 $ 371,318.0348
EMA DE AMORTIZACION CUOTA FIJA EN UVR
Amortizacion UVR Saldo UVR
$ 1,289,784.4770
-$ 27,703.1723 $ 1,317,487.6493
-$ 28,315.5357 $ 1,345,803.1850
-$ 28,941.4350 $ 1,374,744.6200
-$ 29,581.1695 $ 1,404,325.7895
-$ 30,235.0451 $ 1,434,560.8346
-$ 30,903.3741 $ 1,465,464.2087
-$ 31,586.4762 $ 1,497,050.6849
-$ 32,284.6779 $ 1,529,335.3628
-$ 32,998.3130 $ 1,562,333.6758
-$ 33,727.7226 $ 1,596,061.3984
-$ 34,473.2553 $ 1,630,534.6537
-$ 35,235.2677 $ 1,665,769.9214
-$ 35,933.4434 $ 1,701,703.3649
-$ 36,727.7325 $ 1,738,431.0974
-$ 37,539.5788 $ 1,775,970.6762
-$ 38,369.3706 $ 1,814,340.0468
-$ 39,217.5044 $ 1,853,557.5512
-$ 40,084.3858 $ 1,893,641.9370
-$ 40,970.4292 $ 1,934,612.3662
-$ 41,876.0580 $ 1,976,488.4242
-$ 42,801.7052 $ 2,019,290.1294
-$ 43,747.8134 $ 2,063,037.9429
-$ 44,714.8348 $ 2,107,752.7777
-$ 45,703.2317 $ 2,153,456.0093
-$ 46,624.7279 $ 2,200,080.7373
-$ 47,655.3419 $ 2,247,736.0792
-$ 48,708.7371 $ 2,296,444.8163
-$ 49,785.4170 $ 2,346,230.2332
-$ 50,885.8962 $ 2,397,116.1295
-$ 52,010.7010 $ 2,449,126.8305
-$ 53,160.3690 $ 2,502,287.1995
-$ 54,335.4497 $ 2,556,622.6492
-$ 55,536.5050 $ 2,612,159.1542
-$ 56,764.1089 $ 2,668,923.2632
-$ 58,018.8484 $ 2,726,942.1116
-$ 59,301.3231 $ 2,786,243.4347
-$ 60,514.5229 $ 2,846,757.9576
-$ 61,852.1632 $ 2,908,610.1208
-$ 63,219.3713 $ 2,971,829.4921
-$ 64,616.8008 $ 3,036,446.2928
-$ 66,045.1196 $ 3,102,491.4125
-$ 67,505.0107 $ 3,169,996.4232
-$ 68,997.1719 $ 3,238,993.5951
-$ 70,522.3165 $ 3,309,515.9115
-$ 72,081.1735 $ 3,381,597.0851
-$ 73,674.4883 $ 3,455,271.5733
-$ 75,303.0224 $ 3,530,574.5957
-$ 76,860.1685 $ 3,607,434.7642
-$ 78,559.1203 $ 3,685,993.8846
-$ 80,295.6265 $ 3,766,289.5111
-$ 82,070.5172 $ 3,848,360.0284
-$ 83,884.6409 $ 3,932,244.6693
-$ 85,738.8648 $ 4,017,983.5341
-$ 87,634.0753 $ 4,105,617.6095
-$ 89,571.1784 $ 4,195,188.7879
-$ 91,551.1001 $ 4,286,739.8880
-$ 93,574.7869 $ 4,380,314.6749
-$ 95,643.2061 $ 4,475,957.8811
-$ 97,757.3467 $ 4,573,715.2277
-$ 99,918.2191 $ 4,673,633.4468
-$ 102,008.7321 $ 4,775,642.1790
-$ 104,263.5791 $ 4,879,905.7581
-$ 106,568.2682 $ 4,986,474.0263
-$ 108,923.9013 $ 5,095,397.9276
-$ 111,331.6043 $ 5,206,729.5318
-$ 113,792.5282 $ 5,320,522.0600
-$ 116,307.8495 $ 5,436,829.9095
-$ 118,878.7706 $ 5,555,708.6802
-$ 121,506.5205 $ 5,677,215.2007
-$ 124,192.3554 $ 5,801,407.5561
-$ 126,937.5592 $ 5,928,345.1153
-$ 129,743.4442 $ 6,058,088.5596
-$ 132,481.4150 $ 6,190,569.9746
-$ 135,409.8439 $ 6,325,979.8185
-$ 138,403.0041 $ 6,464,382.8226
-$ 141,462.3265 $ 6,605,845.1491
-$ 144,589.2735 $ 6,750,434.4226
-$ 147,785.3399 $ 6,898,219.7625
-$ 151,052.0537 $ 7,049,271.8162
-$ 154,390.9763 $ 7,203,662.7925
-$ 157,803.7041 $ 7,361,466.4966
-$ 161,291.8682 $ 7,522,758.3648
-$ 164,857.1364 $ 7,687,615.5012
-$ 168,501.2128 $ 7,856,116.7140
-$ 172,082.9091 $ 8,028,199.6231
-$ 175,886.7073 $ 8,204,086.3303
-$ 179,774.5863 $ 8,383,860.9166
-$ 183,748.4048 $ 8,567,609.3214
-$ 187,810.0623 $ 8,755,419.3837
-$ 191,961.5005 $ 8,947,380.8842
-$ 196,204.7040 $ 9,143,585.5882
-$ 200,541.7012 $ 9,344,127.2894
-$ 204,974.5653 $ 9,549,101.8548
-$ 209,505.4155 $ 9,758,607.2703
-$ 214,136.4176 $ 9,972,743.6879
-$ 218,869.7855 $ 10,191,613.4734
-$ 223,707.7818 $ 10,415,321.2552
-$ 228,495.4960 $ 10,643,816.7512
-$ 233,546.2634 $ 10,877,363.0145
-$ 238,708.6752 $ 11,116,071.6897
-$ 243,985.1993 $ 11,360,056.8891
-$ 249,378.3581 $ 11,609,435.2472
-$ 254,890.7297 $ 11,864,325.9769
-$ 260,524.9493 $ 12,124,850.9262
-$ 266,283.7101 $ 12,391,134.6363
-$ 272,169.7652 $ 12,663,304.4015
-$ 278,185.9284 $ 12,941,490.3299
-$ 284,335.0755 $ 13,225,825.4054
-$ 290,447.2003 $ 13,516,272.6056
-$ 296,867.3761 $ 13,813,139.9817
-$ 303,429.4663 $ 14,116,569.4480
-$ 310,136.6080 $ 14,426,706.0560
-$ 316,992.0073 $ 14,743,698.0633
-$ 323,998.9415 $ 15,067,697.0048
-$ 331,160.7601 $ 15,398,857.7648
-$ 338,480.8867 $ 15,737,338.6516
-$ 345,962.8208 $ 16,083,301.4723
-$ 353,610.1388 $ 16,436,911.6111
-$ 361,426.4967 $ 16,798,338.1078
-$ 369,415.6308 $ -
Cuota en $ Saldo final en $
$ 180,000,000
$ 166,292.09 $ 185,419,489
$ 114,571.81 $ 191,058,877
$ 115,572.54 $ 196,872,266
$ 116,582.02 $ 202,865,047
$ 117,600.32 $ 209,042,779
$ 118,627.51 $ 215,411,191
$ 119,663.67 $ 221,976,193
$ 120,708.89 $ 228,743,876
$ 121,763.23 $ 235,720,519
$ 122,826.78 $ 242,912,600
$ 123,899.63 $ 250,326,792
$ 124,981.84 $ 257,969,981
$ 138,680.85 $ 265,836,655
$ 139,892.18 $ 273,946,237
$ 141,114.08 $ 282,306,255
$ 142,346.65 $ 290,924,469
$ 143,589.99 $ 299,808,882
$ 144,844.19 $ 308,967,742
$ 146,109.35 $ 318,409,556
$ 147,385.55 $ 328,143,093
$ 148,672.91 $ 338,177,396
$ 149,971.50 $ 348,521,785
$ 151,281.44 $ 359,185,873
$ 152,602.82 $ 370,179,568
$ 169,329.32 $ 381,497,695
$ 170,808.35 $ 393,165,568
$ 172,300.29 $ 405,194,028
$ 173,805.26 $ 417,594,251
$ 175,323.38 $ 430,377,762
$ 176,854.76 $ 443,556,441
$ 178,399.51 $ 457,142,537
$ 179,957.76 $ 471,148,680
$ 181,529.62 $ 485,587,892
$ 183,115.20 $ 500,473,597
$ 184,714.64 $ 515,819,638
$ 186,328.05 $ 531,640,286
$ 206,751.10 $ 547,931,459
$ 208,556.99 $ 564,726,376
$ 210,378.65 $ 582,040,652
$ 212,216.22 $ 599,890,390
$ 214,069.85 $ 618,292,190
$ 215,939.66 $ 637,263,166
$ 217,825.80 $ 656,820,966
$ 219,728.42 $ 676,983,783
$ 221,647.66 $ 697,770,376
$ 223,583.67 $ 719,200,085
$ 225,536.58 $ 741,292,850
$ 250,257.20 $ 764,046,480
$ 252,443.10 $ 787,504,017
$ 254,648.09 $ 811,687,286
$ 256,872.33 $ 836,618,790
$ 259,116.01 $ 862,321,726
$ 261,379.28 $ 888,820,016
$ 263,662.32 $ 916,138,322
$ 265,965.31 $ 944,302,069
$ 268,288.41 $ 973,337,473
$ 270,631.80 $ 1,003,271,565
$ 272,995.66 $ 1,034,132,210
$ 275,380.16 $ 1,065,948,143
$ 277,785.50 $ 1,098,748,986
$ 308,233.02 $ 1,132,537,261
$ 310,925.31 $ 1,167,371,365
$ 313,641.12 $ 1,203,283,730
$ 316,380.65 $ 1,240,307,791
$ 319,144.10 $ 1,278,478,025
$ 321,931.70 $ 1,317,829,974
$ 324,743.64 $ 1,358,400,285
$ 327,580.14 $ 1,400,226,743
$ 330,441.42 $ 1,443,348,303
$ 333,327.69 $ 1,487,805,129
$ 336,239.18 $ 1,533,638,634
$ 339,176.09 $ 1,580,891,513
$ 376,352.52 $ 1,629,573,572
$ 379,639.81 $ 1,679,763,051
$ 382,955.81 $ 1,731,506,701
$ 386,300.77 $ 1,784,852,720
$ 389,674.95 $ 1,839,850,805
$ 393,078.60 $ 1,896,552,193
$ 396,511.98 $ 1,955,009,712
$ 399,975.36 $ 2,015,277,828
$ 403,468.98 $ 2,077,412,698
$ 406,993.12 $ 2,141,472,221
$ 410,548.04 $ 2,207,516,091
$ 414,134.01 $ 2,275,605,857
$ 459,526.43 $ 2,345,763,199
$ 463,540.20 $ 2,418,093,659
$ 467,589.04 $ 2,492,664,637
$ 471,673.24 $ 2,569,545,627
$ 475,793.11 $ 2,648,808,276
$ 479,948.97 $ 2,730,526,458
$ 484,141.13 $ 2,814,776,335
$ 488,369.91 $ 2,901,636,436
$ 492,635.62 $ 2,991,187,724
$ 496,938.59 $ 3,083,513,676
$ 501,279.15 $ 3,178,700,356
$ 505,657.62 $ 3,276,836,503
$ 510,074.33 $ 3,378,013,605
$ 565,982.59 $ 3,482,274,538
$ 570,926.22 $ 3,589,765,966
$ 575,913.03 $ 3,700,588,093
$ 580,943.39 $ 3,814,844,235
$ 586,017.70 $ 3,932,640,913
$ 591,136.32 $ 4,054,087,953
$ 596,299.66 $ 4,179,298,589
$ 601,508.09 $ 4,308,389,567
$ 606,762.02 $ 4,441,481,257
$ 612,061.84 $ 4,578,697,765
$ 617,407.95 $ 4,720,167,046
$ 685,080.84 $ 4,865,958,745
$ 691,064.74 $ 5,016,268,685
$ 697,100.91 $ 5,171,237,025
$ 703,189.80 $ 5,331,008,272
$ 709,331.88 $ 5,495,731,416
$ 715,527.61 $ 5,665,560,074
$ 721,777.45 $ 5,840,652,624
$ 728,081.88 $ 6,021,172,362
$ 734,441.38 $ 6,207,287,651
$ 740,856.43 $ 6,399,172,076
$ 747,327.51 $ 6,597,004,611
$ 753,855.11 $ -
 Gradiante aritmetico
n VR. UVR
Datos 0 139.5582
UVR Base 139.5582 1 140.7772
Inflacion mes 0.87% 2 142.0068
Tasa remunerativa mes 2.21% 3 143.2472
iv Mes vencido 3.10% 4 144.4984
P $ 180,000,000.00 5 145.7605
n 120 6 147.0337
TEA 0.443 7 148.3180
8 149.6135
GRADIENTE ARITMETICO 9 150.9203
GA 5000 10 152.2385
Hipótesis/A 100 11 153.5682
12 154.9096
GRADIANTE GEOMÉTRICO 120 13 156.2627
GG 5% 14 157.6276
Hipotesis/G 3.9101468069253 15 159.0044
r 105% 16 160.3932
17 161.7942
GRADIENTE ESCALONADO 18 163.2074
Ge 10% 19 164.6329
r 1.10 20 166.0709
Hipótesis 806.804981413022 21 167.5215
22 168.9847
23 170.4608
24 171.9497
Saldo final en $ 25 173.4516
26 174.9666
$ 600,000,000,000
27 176.4949
$ 500,000,000,000
28 178.0365
29 179.5915
$ 400,000,000,000 30 181.1602
31 182.7426
$ 300,000,000,000 32 184.3387
33 185.9489
$ 200,000,000,000 34 187.5731
35 189.2114
$ 100,000,000,000 36 190.8641
37 192.5312
$-
1 7 13 19 25 31 37 43 49 55 61 67 73 79 85 91 97 10310911538 194.2129
39 195.9093
40 197.6205
41 199.3466
42 201.0878
43 202.8442
44 204.6160
45 206.4032
46 208.2061
47 210.0247
48 211.8592
49 213.7097
50 215.5763
51 217.4593
52 219.3587
53 221.2747
54 223.2075
55 225.1571
56 227.1238
57 229.1076
58 231.1088
59 233.1274
60 235.1637
61 237.2177
62 239.2897
63 241.3798
64 243.4882
65 245.6150
66 247.7603
67 249.9244
68 252.1074
69 254.3094
70 256.5307
71 258.7714
72 261.0317
73 263.3117
74 265.6116
75 267.9316
76 270.2719
77 272.6326
78 275.0139
79 277.4161
80 279.8392
81 282.2835
82 284.7491
83 287.2363
84 289.7452
85 292.2760
86 294.8289
87 297.4041
88 300.0018
89 302.6222
90 305.2655
91 307.9319
92 310.6215
 93 313.3347
94 316.0715
95 318.8323
96 321.6171
97 324.4263
98 327.2601
99 330.1186
100 333.0020
101 335.9106
102 338.8447
103 341.8044
104 344.7899
105 347.8015
106 350.8394
107 353.9038
108 356.9950
109 360.1132
110 363.2587
111 366.4316
112 369.6322
113 372.8608
114 376.1176
115 379.4028
116 382.7168
117 386.0596
118 389.4317
119 392.8332
120 396.2645
-335544.32
 SISTEMA DE AMORTIZACION CUOTA FIJA EN UVR
Saldo inicial $ Cuota UVR Interes UVR Amortizacion UVR
0
$ 180,000,000.00 $ 806.8050 $ 28,509.9772 -27703.1722671532
$ 174,527,798.53 $ 806.8050 $ 28,263.1105 -$ 27,456.3055
$ 169,226,403.13 $ 806.8050 $ 28,018.3813 -$ 27,211.5763
$ 164,090,521.99 $ 806.8050 $ 27,775.7712 -$ 26,968.9662
$ 159,115,027.61 $ 806.8050 $ 27,535.2619 -$ 26,728.4569
$ 154,294,951.64 $ 806.8050 $ 27,296.8351 -$ 26,490.0301
$ 149,625,480.04 $ 806.8050 $ 27,060.4729 -$ 26,253.6679
$ 145,101,948.19 $ 806.8050 $ 26,826.1573 -$ 26,019.3523
$ 140,719,836.32 $ 806.8050 $ 26,593.8706 -$ 25,787.0656
$ 136,474,765.02 $ 806.8050 $ 26,363.5953 -$ 25,556.7903
$ 132,362,490.81 $ 806.8050 $ 26,135.3140 -$ 25,328.5090
$ 128,378,902.03 $ 806.8050 $ 25,909.0093 -$ 25,102.2043
$ 124,520,014.65 $ 5,887 $ 25,684.6642 -$ 19,797.1787
$ 121,575,889.12 $ 6,576 $ 25,462.2617 -$ 18,886.0276
$ 118,839,727.56 $ 7,234 $ 25,241.7849 -$ 18,007.9275
$ 116,302,094.14 $ 8,077 $ 25,023.2173 -$ 16,945.9741
$ 113,988,528.87 $ 8,885 $ 24,806.5422 -$ 15,921.5247
$ 111,888,767.59 $ 9,777 $ 24,591.7433 -$ 14,814.3139
$ 110,012,370.93 $ 10,756 $ 24,378.8044 -$ 13,622.5821
$ 108,369,282.61 $ 11,832 $ 24,167.7093 -$ 12,335.8647
$ 106,971,279.87 $ 13,015 $ 23,958.4420 -$ 10,943.4130
$ 105,832,031.79 $ 14,317 $ 23,750.9868 -$ 9,434.3549
$ 104,967,132.03 $ 15,749 $ 23,545.3279 -$ 7,795.9328
$ 104,394,433.37 $ 18,131 $ 23,341.4498 -$ 5,210.3102
$ 104,272,496.27 $ 19,944 $ 23,139.3371 -$ 3,195.0835
$ 104,496,061.95 $ 21,939 $ 22,938.9745 -$ 1,000.2956
$ 105,091,863.85 $ 24,133 $ 22,740.3468 $ 1,392.2000
$ 106,089,911.21 $ 26,546 $ 22,543.4390 $ 4,002.3625
$ 107,523,837.40 $ 29,200 $ 22,348.2362 $ 6,852.1454
$ 109,431,286.72 $ 32,120 $ 22,154.7237 $ 9,965.6961
$ 111,854,344.01 $ 35,332 $ 21,962.8868 $ 13,369.5749
$ 114,840,011.59 $ 38,866 $ 21,772.7110 $ 17,092.9969
$ 118,440,738.81 $ 42,752 $ 21,584.1820 $ 21,168.0968
$ 122,715,009.91 $ 47,028 $ 21,397.2854 $ 25,630.2212
$ 127,727,996.64 $ 51,730 $ 21,212.0071 $ 30,518.2502
$ 133,552,282.64 $ 56,903 $ 21,028.3332 $ 35,874.9498
$ 140,268,667.55 $ 62,594 $ 20,846.2496 $ 41,747.3617
$ 147,967,059.41 $ 68,853 $ 20,665.7428 $ 48,187.2297
$ 156,747,465.25 $ 75,738 $ 20,486.7989 $ 55,251.4708
$ 166,721,090.42 $ 83,312 $ 20,309.4045 $ 63,002.6922
$ 178,011,558.64 $ 91,643 $ 20,133.5462 $ 71,509.7602
$ 190,756,266.08 $ 100,808 $ 19,959.2106 $ 80,848.4264
$ 205,107,884.01 $ 110,888 $ 19,786.3845 $ 91,102.0161
$ 221,236,026.38 $ 121,977 $ 19,615.0550 $ 102,362.1857
$ 239,329,100.44 $ 134,175 $ 19,445.2090 $ 114,729.7558
$ 259,596,360.30 $ 147,592 $ 19,276.8337 $ 128,315.6276
$ 282,270,185.90 $ 162,352 $ 19,109.9163 $ 143,241.7911
$ 307,608,611.82 $ 178,587 $ 18,944.4443 $ 159,642.4339
$ 335,898,133.61 $ 196,446 $ 18,780.4051 $ 177,665.1609
$ 367,456,821.75 $ 216,090 $ 18,617.7863 $ 197,472.3363
$ 402,637,777.17 $ 237,699 $ 18,456.5756 $ 219,242.5592
$ 441,832,965.68 $ 261,469 $ 18,296.7608 $ 243,172.2875
$ 485,477,472.86 $ 287,616 $ 18,138.3299 $ 269,477.6233
$ 534,054,225.42 $ 316,378 $ 17,981.2708 $ 298,396.2777
$ 588,099,230.28 $ 348,015 $ 17,825.5717 $ 330,189.7316
$ 648,207,387.97 $ 382,817 $ 17,671.2207 $ 365,145.6129
$ 715,038,943.47 $ 421,099 $ 17,518.2063 $ 403,580.3107
$ 789,326,644.14 $ 463,208 $ 17,366.5168 $ 445,841.8518
$ 871,883,682.40 $ 509,529 $ 17,216.1408 $ 492,313.0647
$ 963,612,509.14 $ 560,482 $ 17,067.0669 $ 543,415.0592
$ 1,065,514,613.27 $ 616,530 $ 16,919.2839 $ 599,611.0548
$ 1,178,701,373.25 $ 678,183 $ 16,772.7804 $ 661,410.5921
$ 1,304,406,098.23 $ 746,002 $ 16,627.5456 $ 729,374.1643
$ 1,443,997,389.08 $ 820,602 $ 16,483.5683 $ 804,118.3125
$ 1,598,993,963.97 $ 902,662 $ 16,340.8377 $ 886,321.2312
$ 1,771,081,109.14 $ 992,928 $ 16,199.3430 $ 976,728.9327
$ 1,962,128,932.85 $ 1,092,221 $ 16,059.0736 $ 1,076,162.0298
$ 2,174,212,620.20 $ 1,201,443 $ 15,920.0187 $ 1,185,523.1950
$ 2,409,634,908.19 $ 1,321,588 $ 15,782.1678 $ 1,305,805.3672
$ 2,670,951,024.29 $ 1,453,746 $ 15,645.5107 $ 1,438,100.7779
$ 2,960,996,358.59 $ 1,599,121 $ 15,510.0368 $ 1,583,610.8807
$ 3,282,917,169.08 $ 1,759,033 $ 15,375.7360 $ 1,743,657.2732
$ 3,640,204,652.62 $ 1,934,936 $ 15,242.5981 $ 1,919,693.7120
$ 4,036,732,750.42 $ 2,128,430 $ 15,110.6130 $ 2,113,319.3281
$ 4,476,800,097.39 $ 2,341,273 $ 14,979.7708 $ 2,326,293.1644
$ 4,965,176,569.54 $ 2,575,400 $ 14,850.0615 $ 2,560,550.1672
$ 5,507,154,933.45 $ 2,832,940 $ 14,721.4754 $ 2,818,218.7762
$ 6,108,608,157.00 $ 3,116,234 $ 14,594.0027 $ 3,101,640.2741
$ 6,776,053,001.87 $ 3,427,858 $ 14,467.6338 $ 3,413,390.0706
$ 7,516,720,586.40 $ 3,770,643 $ 14,342.3592 $ 3,756,301.1158
$ 8,338,634,682.74 $ 4,147,708 $ 14,218.1692 $ 4,133,489.6532
$ 9,250,698,596.06 $ 4,562,479 $ 14,095.0546 $ 4,548,383.5500
$ 10,262,791,566.53 $ 5,018,726 $ 13,973.0061 $ 5,004,753.4590
$ 11,385,875,737.74 $ 5,520,599 $ 13,852.0144 $ 5,506,747.0972
$ 12,632,114,849.78 $ 6,072,659 $ 13,732.0703 $ 6,058,926.9525
$ 14,015,005,942.16 $ 6,679,925 $ 13,613.1649 $ 6,666,311.7602
$ 15,549,525,492.41 $ 7,347,917 $ 13,495.2890 $ 7,334,422.1286
$ 17,252,291,572.75 $ 8,082,709 $ 13,378.4338 $ 8,069,330.7255
$ 19,141,743,780.45 $ 8,890,980 $ 13,262.5905 $ 8,877,717.4848
$ 21,238,342,890.09 $ 9,780,078 $ 13,147.7502 $ 9,766,930.3326
$ 23,564,792,389.35 $ 10,758,086 $ 13,033.9044 $ 10,745,051.9867
$ 26,146,284,296.94 $ 11,833,894 $ 12,921.0443 $ 11,820,973.4359
$ 29,010,771,924.24 $ 13,017,284 $ 12,809.1615 $ 13,004,474.7668
$ 32,189,272,533.84 $ 14,319,012 $ 12,698.2474 $ 14,306,314.0736
$ 35,716,203,171.87 $ 15,750,914 $ 12,588.2938 $ 15,738,325.2593
$ 39,629,753,310.42 $ 17,326,005 $ 12,479.2922 $ 17,313,525.6162
$ 43,972,298,334.53 $ 19,058,605 $ 12,371.2345 $ 19,046,234.1648
$ 48,790,858,350.71 $ 20,964,466 $ 12,264.1125 $ 20,952,201.8267
$ 54,137,607,284.69 $ 23,060,913 $ 12,157.9180 $ 23,048,754.6151
$ 60,070,437,780.34 $ 25,367,004 $ 12,052.6431 $ 25,354,951.1434
$ 66,653,588,016.09 $ 27,903,704 $ 11,948.2797 $ 27,891,755.8854
$ 73,958,337,225.63 $ 30,694,075 $ 11,844.8200 $ 30,682,229.7616
$ 82,063,777,453.14 $ 33,763,482 $ 11,742.2562 $ 33,751,739.7836
$ 91,057,669,899.30 $ 37,139,830 $ 11,640.5804 $ 37,128,189.6633
$ 101,037,395,129.62 $ 40,853,813 $ 11,539.7851 $ 40,842,273.4830
$ 112,111,007,433.39 $ 44,939,195 $ 11,439.8625 $ 44,927,754.7324
$ 124,398,404,748.84 $ 49,433,114 $ 11,340.8052 $ 49,421,773.2492
$ 138,032,626,821.53 $ 54,376,425 $ 11,242.6056 $ 54,365,182.8543
$ 153,161,295,651.42 $ 59,814,068 $ 11,145.2563 $ 59,802,922.7495
$ 169,948,213,824.57 $ 65,795,475 $ 11,048.7500 $ 65,784,426.0565
$ 188,575,138,034.85 $ 72,375,022 $ 10,953.0793 $ 72,364,069.2078
$ 209,243,746,997.96 $ 79,612,525 $ 10,858.2370 $ 79,601,666.2788
$ 232,177,825,064.70 $ 87,573,777 $ 10,764.2160 $ 87,563,012.7515
$ 257,625,685,175.90 $ 96,331,155 $ 10,671.0090 $ 96,320,483.6551
$ 285,862,857,392.64 $ 105,964,270 $ 10,578.6092 $ 105,953,691.5214
$ 317,195,072,111.19 $ 116,560,697 $ 10,487.0094 $ 116,550,210.1342
$ 351,961,570,262.25 $ 128,216,767 $ 10,396.2028 $ 128,206,370.6552
$ 390,538,776,334.74 $ 141,038,444 $ 10,306.1825 $ 141,028,137.3613
$ 433,344,373,992.62 $ 155,142,288 $ 10,216.9416 $ 155,132,070.9565
$ 480,841,828,412.13 $ 170,656,517 $ 10,128.4735 $ 166,064,298.2144
Saldo UVR Cuota en $ Saldo final en $
$ 1,289,784.48 $ 180,000,000
$ 1,278,616.28 $ 113,579.73 $ 174,527,799
$ 1,267,544.79 $ 114,571.81 $ 169,226,403
$ 1,256,569.17 $ 115,572.54 $ 164,090,522
$ 1,245,688.59 $ 116,582.02 $ 159,115,028
$ 1,234,902.22 $ 117,600.32 $ 154,294,952
$ 1,224,209.25 $ 118,627.51 $ 149,625,480
$ 1,213,608.87 $ 119,663.67 $ 145,101,948
$ 1,203,100.28 $ 120,708.89 $ 140,719,836
$ 1,192,682.68 $ 121,763.23 $ 136,474,765
$ 1,182,355.28 $ 122,826.78 $ 132,362,491
$ 1,172,117.32 $ 123,899.63 $ 128,378,902
$ 1,161,968.00 $ 124,981.84 $ 124,520,015
$ 1,151,906.56 $ 919,994.23 $ 121,575,889
$ 1,141,932.25 $ 1,036,595.76 $ 118,839,728
$ 1,132,044.30 $ 1,150,215.00 $ 116,302,094
$ 1,122,241.97 $ 1,295,535.02 $ 113,988,529
$ 1,112,524.52 $ 1,437,544.18 $ 111,888,768
$ 1,102,891.22 $ 1,595,748.76 $ 110,012,371
$ 1,093,341.32 $ 1,770,828.54 $ 108,369,283
$ 1,083,874.12 $ 1,964,925.61 $ 106,971,280
$ 1,074,488.90 $ 2,180,297.28 $ 105,832,032
$ 1,065,184.94 $ 2,419,292.32 $ 104,967,132
$ 1,055,961.55 $ 2,684,653.75 $ 104,394,433
$ 1,046,818.02 $ 3,117,643.26 $ 104,272,496
$ 1,037,753.66 $ 3,459,362.07 $ 104,496,062
$ 1,028,767.79 $ 3,838,536.01 $ 105,091,864
$ 1,019,859.73 $ 4,259,270.47 $ 106,089,911
$ 1,011,028.80 $ 4,726,120.81 $ 107,523,837
$ 1,002,274.34 $ 5,244,141.71 $ 109,431,287
$ 993,595.69 $ 5,818,941.87 $ 111,854,344
$ 984,992.18 $ 6,456,744.76 $ 114,840,012
$ 976,463.17 $ 7,164,455.99 $ 118,440,739
$ 968,008.02 $ 7,949,738.06 $ 122,715,010
$ 959,626.07 $ 8,821,093.37 $ 127,727,997
$ 951,316.71 $ 9,787,956.24 $ 133,552,283
$ 943,079.29 $ 10,860,795.07 $ 140,268,668
$ 934,913.21 $ 12,051,225.68 $ 147,967,059
$ 926,817.83 $ 13,372,137.06 $ 156,747,465
$ 918,792.55 $ 14,837,830.97 $ 166,721,090
$ 910,836.76 $ 16,464,176.74 $ 178,011,559
$ 902,949.86 $ 18,268,783.10 $ 190,756,266
$ 895,131.25 $ 20,271,188.85 $ 205,107,884
$ 887,380.35 $ 22,493,074.40 $ 221,236,026
$ 879,696.55 $ 24,958,496.49 $ 239,329,100
$ 872,079.29 $ 27,694,148.70 $ 259,596,360
$ 864,527.99 $ 30,729,650.43 $ 282,270,186
$ 857,042.08 $ 34,097,867.59 $ 307,608,612
$ 849,620.98 $ 37,835,268.47 $ 335,898,134
$ 842,264.15 $ 41,982,318.59 $ 367,456,822
$ 834,971.02 $ 46,583,918.80 $ 402,637,777
$ 827,741.04 $ 51,689,891.45 $ 441,832,966
$ 820,573.66 $ 57,355,519.83 $ 485,477,473
$ 813,468.34 $ 63,642,146.70 $ 534,054,225
$ 806,424.55 $ 70,617,838.50 $ 588,099,230
$ 799,441.75 $ 78,358,122.30 $ 648,207,388
$ 792,519.42 $ 86,946,803.53 $ 715,038,943
$ 785,657.02 $ 96,476,873.40 $ 789,326,644
$ 778,854.05 $ 107,051,515.67 $ 871,883,682
$ 772,109.98 $ 118,785,223.90 $ 963,612,509
$ 765,424.31 $ 131,805,041.04 $ 1,065,514,613
$ 758,796.53 $ 146,251,934.99 $ 1,178,701,373
$ 752,226.14 $ 162,282,324.86 $ 1,304,406,098
$ 745,712.64 $ 180,069,774.56 $ 1,443,997,389
$ 739,255.55 $ 199,806,871.99 $ 1,598,993,964
$ 732,854.36 $ 221,707,314.25 $ 1,771,081,109
$ 726,508.60 $ 246,008,221.35 $ 1,962,128,933
$ 720,217.79 $ 272,972,703.56 $ 2,174,212,620
$ 713,981.46 $ 302,892,710.18 $ 2,409,634,908
$ 707,799.12 $ 336,092,190.47 $ 2,670,951,024
$ 701,670.31 $ 372,930,601.16 $ 2,960,996,359
$ 695,594.58 $ 413,806,798.34 $ 3,282,917,169
$ 689,571.45 $ 459,163,355.91 $ 3,640,204,653
$ 683,600.48 $ 509,491,357.45 $ 4,036,732,750
$ 677,681.21 $ 565,335,713.27 $ 4,476,800,097
$ 671,813.19 $ 627,301,060.21 $ 4,965,176,570
$ 665,995.99 $ 696,058,308.19 $ 5,507,154,933
$ 660,229.16 $ 772,351,904.27 $ 6,108,608,157
$ 654,512.26 $ 857,007,892.88 $ 6,776,053,002
$ 648,844.86 $ 950,942,859.60 $ 7,516,720,586
$ 643,226.54 $ 1,055,173,855.16 $ 8,338,634,683
$ 637,656.86 $ 1,170,829,407.21 $ 9,250,698,596
$ 632,135.42 $ 1,299,161,739.17 $ 10,262,791,567
$ 626,661.78 $ 1,441,560,328.20 $ 11,385,875,738
$ 621,235.54 $ 1,599,566,949.36 $ 12,632,114,850
$ 615,856.29 $ 1,774,892,368.65 $ 14,015,005,942
$ 610,523.61 $ 1,969,434,865.83 $ 15,549,525,492
$ 605,237.11 $ 2,185,300,787.39 $ 17,252,291,573
$ 599,996.39 $ 2,424,827,352.36 $ 19,141,743,780
$ 594,801.04 $ 2,690,607,957.81 $ 21,238,342,890
$ 589,650.68 $ 2,985,520,258.01 $ 23,564,792,389
$ 584,544.92 $ 3,312,757,321.30 $ 26,146,284,297
$ 579,483.37 $ 3,675,862,202.03 $ 29,010,771,924
$ 574,465.64 $ 4,078,766,301.85 $ 32,189,272,534
$ 569,491.37 $ 4,525,831,935.67 $ 35,716,203,172
$ 564,560.16 $ 5,021,899,563.28 $ 39,629,753,310
$ 559,671.66 $ 5,572,340,197.81 $ 43,972,298,335
$ 554,825.48 $ 6,183,113,558.69 $ 48,790,858,351
$ 550,021.27 $ 6,860,832,598.61 $ 54,137,607,285
$ 545,258.66 $ 7,612,835,103.11 $ 60,070,437,780
$ 540,537.28 $ 8,447,263,138.14 $ 66,653,588,016
$ 535,856.79 $ 9,373,151,205.63 $ 73,958,337,226
$ 531,216.83 $ 10,400,524,061.69 $ 82,063,777,453
$ 526,617.04 $ 11,540,505,256.41 $ 91,057,669,899
$ 522,057.09 $ 12,805,437,570.58 $ 101,037,395,130
$ 517,536.62 $ 14,209,016,653.14 $ 112,111,007,433
$ 513,055.29 $ 15,766,439,306.46 $ 124,398,404,749
$ 508,612.76 $ 17,494,568,024.83 $ 138,032,626,822
$ 504,208.70 $ 19,412,113,567.71 $ 153,161,295,651
$ 499,842.78 $ 21,539,837,544.47 $ 169,948,213,825
$ 495,514.66 $ 23,900,777,204.10 $ 188,575,138,035
$ 491,224.02 $ 26,520,494,863.54 $ 209,243,746,998
$ 486,970.53 $ 29,427,354,675.59 $ 232,177,825,065
$ 482,753.87 $ 32,652,829,732.59 $ 257,625,685,176
$ 478,573.72 $ 36,231,842,831.24 $ 285,862,857,393
$ 474,429.77 $ 40,203,144,588.03 $ 317,195,072,111
$ 470,321.70 $ 44,609,732,999.08 $ 351,961,570,262
$ 466,249.20 $ 49,499,318,987.15 $ 390,538,776,335
$ 462,211.97 $ 54,924,842,976.35 $ 433,344,373,993
$ 458,209.69 $ 60,945,048,087.63 $ 480,841,828,412
$ - $ 67,625,116,161.05 $ -
 Gradiante aritmetico n VR. UVR
0 139.5582
Datos 1 140.7772
UVR Base 139.5582 2 142.0068
Inflacion mes 0.87% 3 143.2472
Tasa remunerativa mes 2.21% 4 144.4984
iv Mes vencido 3.10% 5 145.7605
P $ 180,000,000.00 6 147.0337
n 120 7 148.3180
TEA 0.443 8 149.6135
9 150.9203
GRADIANTE GEOMÉTRICO 120 10 152.2385
GG 8% 11 153.5682
Hipotesis/G 3.9101468069253 12 154.9096
r 108% 13 156.2627
14 157.6276
15 159.0044
16 160.3932
Saldo final en $ 17 161.7942
$ 200,000,000 18 163.2074
$ 180,000,000 19 164.6329
$ 160,000,000 20 166.0709
$ 140,000,000 21 167.5215
22 168.9847
$ 120,000,000
23 170.4608
$ 100,000,000
24 171.9497
$ 80,000,000
25 173.4516
$ 60,000,000 26 174.9666
$ 40,000,000 27 176.4949
$ 20,000,000 28 178.0365
$- 29 179.5915
1 7 13 19 25 31 37 43 49 55 61 67 73 79 85 91 97 103109115
30 181.1602
31 182.7426
32 184.3387
33 185.9489
34 187.5731
35 189.2114
36 190.8641
37 192.5312
38 194.2129
39 195.9093
40 197.6205
41 199.3466
42 201.0878
43 202.8442
44 204.6160
45 206.4032
46 208.2061
47 210.0247
48 211.8592
49 213.7097
50 215.5763
51 217.4593
52 219.3587
53 221.2747
54 223.2075
55 225.1571
56 227.1238
57 229.1076
58 231.1088
59 233.1274
60 235.1637
61 237.2177
62 239.2897
63 241.3798
64 243.4882
65 245.6150
66 247.7603
67 249.9244
68 252.1074
69 254.3094
70 256.5307
71 258.7714
72 261.0317
73 263.3117
74 265.6116
75 267.9316
76 270.2719
77 272.6326
78 275.0139
79 277.4161
80 279.8392
81 282.2835
82 284.7491
83 287.2363
84 289.7452
85 292.2760
86 294.8289
87 297.4041
88 300.0018
89 302.6222
90 305.2655
91 307.9319
92 310.6215
93 313.3347
 94 316.0715
95 318.8323
96 321.6171
97 324.4263
98 327.2601
99 330.1186
100 333.0020
101 335.9106
102 338.8447
103 341.8044
104 344.7899
105 347.8015
106 350.8394
107 353.9038
108 356.9950
109 360.1132
110 363.2587
111 366.4316
112 369.6322
113 372.8608
114 376.1176
115 379.4028
116 382.7168
117 386.0596
118 389.4317
119 392.8332
120 396.2645
 SISTEMA DE AMORTIZACION CUOTA FIJA EN UVR
Saldo inicial $ Cuota UVR Interes UVR Amortizacion UVRSaldo UVR
$ 1,289,784
$ 180,000,000.00 $ 139.5582 28509.9772485662 -28370.41904857 $ 1,278,616.28
$ 174,433,865.40 $ 150.7229 $ 28,263.1105 -$ 28,112.3876 $ 1,267,544.79
$ 169,042,216.81 $ 740.0714 $ 28,018.3813 -$ 27,278.3099 $ 1,256,569.17
$ 163,902,491.97 $ 1,539.3484 $ 27,775.7712 -$ 26,236.4228 $ 1,245,688.59
$ 159,038,683.90 $ 1,539.3484 $ 27,535.2619 -$ 25,995.9135 $ 1,234,902.22
$ 154,327,752.96 $ 1,539.3484 $ 27,296.8351 -$ 25,757.4867 $ 1,224,209.25
$ 149,764,972.02 $ 1,539.3484 $ 27,060.4729 -$ 25,521.1245 $ 1,213,608.87
$ 145,345,760.79 $ 1,539.3484 $ 26,826.1573 -$ 25,286.8089 $ 1,203,100.28
$ 141,065,681.26 $ 1,539.3484 $ 26,593.8706 -$ 25,054.5222 $ 1,192,682.68
$ 136,920,433.31 $ 1,539.3484 $ 26,363.5953 -$ 24,824.2469 $ 1,182,355.28
$ 132,905,850.39 $ 1,539.3484 $ 26,135.3140 -$ 24,595.9656 $ 1,172,117.32
$ 129,017,895.42 $ 1,539.3484 $ 25,909.0093 -$ 24,369.6609 $ 1,161,968.00
$ 125,252,656.74 $ 1,539.3484 $ 25,684.6642 -$ 24,145.3158 $ 1,151,906.56
$ 121,606,344.24 $ 1,539.3484 $ 25,462.2617 -$ 23,922.9133 $ 1,141,932.25
$ 118,075,285.58 $ 1,539.3484 $ 25,241.7849 -$ 23,702.4365 $ 1,132,044.30
$ 114,655,922.54 $ 1,539.3484 $ 25,023.2173 -$ 23,483.8689 $ 1,122,241.97
$ 111,344,807.49 $ 1,539.3484 $ 24,806.5422 -$ 23,267.1938 $ 1,112,524.52
$ 108,138,599.93 $ 1,539.3484 $ 24,591.7433 -$ 23,052.3949 $ 1,102,891.22
$ 105,034,063.19 $ 1,539.3484 $ 24,378.8044 -$ 22,839.4560 $ 1,093,341.32
$ 102,028,061.23 $ 1,539.3484 $ 24,167.7093 -$ 22,628.3608 $ 1,083,874.12
$ 99,117,555.46 $ 1,539.3484 $ 23,958.4420 -$ 22,419.0936 $ 1,074,488.90
$ 96,299,601.77 $ 1,539.3484 $ 23,750.9868 -$ 22,211.6384 $ 1,065,184.94
$ 93,571,347.57 $ 1,539.3484 $ 23,545.3279 -$ 22,005.9795 $ 1,055,961.55
$ 90,930,028.98 $ 1,539.3484 $ 23,341.4498 -$ 21,802.1014 $ 1,046,818.02
$ 88,372,968.04 $ 1,539.3484 $ 23,139.3371 -$ 21,599.9887 $ 1,037,753.66
$ 85,897,570.08 $ 1,539.3484 $ 22,938.9745 -$ 21,399.6261 $ 1,028,767.79
$ 83,501,321.12 $ 1,539.3484 $ 22,740.3468 -$ 21,200.9984 $ 1,019,859.73
$ 81,181,785.36 $ 1,539.3484 $ 22,543.4390 -$ 21,004.0906 $ 1,011,028.80
$ 78,936,602.79 $ 1,539.3484 $ 22,348.2362 -$ 20,808.8878 $ 1,002,274.34
$ 76,763,486.80 $ 1,539.3484 $ 22,154.7237 -$ 20,615.3753 $ 993,595.69
$ 74,660,221.91 $ 1,539.3484 $ 21,962.8868 -$ 20,423.5384 $ 984,992.18
$ 72,624,661.58 $ 1,539.3484 $ 21,772.7110 -$ 20,233.3626 $ 976,463.17
$ 70,654,726.09 $ 1,539.3484 $ 21,584.1820 -$ 20,044.8336 $ 968,008.02
$ 68,748,400.41 $ 1,539.3484 $ 21,397.2854 -$ 19,857.9370 $ 959,626.07
$ 66,903,732.24 $ 1,539.3484 $ 21,212.0071 -$ 19,672.6587 $ 951,316.71
$ 65,118,830.06 $ 1,539.3484 $ 21,028.3332 -$ 19,488.9848 $ 943,079.29
$ 63,391,861.23 $ 1,539.3484 $ 20,846.2496 -$ 19,306.9012 $ 934,913.21
$ 61,721,050.19 $ 1,539.3484 $ 20,665.7428 -$ 19,126.3944 $ 926,817.83
$ 60,104,676.64 $ 1,539.3484 $ 20,486.7989 -$ 18,947.4505 $ 918,792.55
$ 58,541,073.89 $ 1,539.3484 $ 20,309.4045 -$ 18,770.0561 $ 910,836.76
$ 57,028,627.17 $ 1,539.3484 $ 20,133.5462 -$ 18,594.1978 $ 902,949.86
$ 55,565,771.99 $ 1,539.3484 $ 19,959.2106 -$ 18,419.8622 $ 895,131.25
$ 54,150,992.63 $ 1,539.3484 $ 19,786.3845 -$ 18,247.0361 $ 887,380.35
$ 52,782,820.62 $ 1,539.3484 $ 19,615.0550 -$ 18,075.7066 $ 879,696.55
$ 51,459,833.25 $ 1,539.3484 $ 19,445.2090 -$ 17,905.8606 $ 872,079.29
$ 50,180,652.15 $ 1,539.3484 $ 19,276.8337 -$ 17,737.4853 $ 864,527.99
$ 48,943,941.97 $ 1,539.3484 $ 19,109.9163 -$ 17,570.5679 $ 857,042.08
$ 47,748,408.97 $ 1,539.3484 $ 18,944.4443 -$ 17,405.0959 $ 849,620.98
$ 46,592,799.80 $ 1,539.3484 $ 18,780.4051 -$ 17,241.0567 $ 842,264.15
$ 45,475,900.20 $ 1,539.3484 $ 18,617.7863 -$ 17,078.4379 $ 834,971.02
$ 44,396,533.81 $ 1,539.3484 $ 18,456.5756 -$ 16,917.2272 $ 827,741.04
$ 43,353,561.00 $ 1,539.3484 $ 18,296.7608 -$ 16,757.4124 $ 820,573.66
$ 42,345,877.70 $ 1,539.3484 $ 18,138.3299 -$ 16,598.9815 $ 813,468.34
$ 41,372,414.37 $ 1,539.3484 $ 17,981.2708 -$ 16,441.9224 $ 806,424.55
$ 40,432,134.82 $ 1,539.3484 $ 17,825.5717 -$ 16,286.2232 $ 799,441.75
$ 39,524,035.30 $ 1,539.3484 $ 17,671.2207 -$ 16,131.8723 $ 792,519.42
$ 38,647,143.40 $ 1,539.3484 $ 17,518.2063 -$ 15,978.8579 $ 785,657.02
$ 37,800,517.12 $ 1,539.3484 $ 17,366.5168 -$ 15,827.1684 $ 778,854.05
$ 36,983,243.94 $ 1,539.3484 $ 17,216.1408 -$ 15,676.7924 $ 772,109.98
$ 36,194,439.86 $ 1,539.3484 $ 17,067.0669 -$ 15,527.7185 $ 765,424.31
$ 35,433,248.58 $ 1,539.3484 $ 16,919.2839 -$ 15,379.9355 $ 758,796.53
$ 34,698,840.59 $ 1,539.3484 $ 16,772.7804 -$ 15,233.4320 $ 752,226.14
$ 33,990,412.36 $ 1,539.3484 $ 16,627.5456 -$ 15,088.1972 $ 745,712.64
$ 33,307,185.56 $ 1,539.3484 $ 16,483.5683 -$ 14,944.2199 $ 739,255.55
$ 32,648,406.22 $ 1,539.3484 $ 16,340.8377 -$ 14,801.4893 $ 732,854.36
$ 32,013,344.04 $ 1,539.3484 $ 16,199.3430 -$ 14,659.9946 $ 726,508.60
$ 31,401,291.62 $ 1,539.3484 $ 16,059.0736 -$ 14,519.7252 $ 720,217.79
$ 30,811,563.77 $ 1,539.3484 $ 15,920.0187 -$ 14,380.6703 $ 713,981.46
$ 30,243,496.80 $ 1,539.3484 $ 15,782.1678 -$ 14,242.8194 $ 707,799.12
$ 29,696,447.88 $ 1,539.3484 $ 15,645.5107 -$ 14,106.1622 $ 701,670.31
$ 29,169,794.38 $ 1,539.3484 $ 15,510.0368 -$ 13,970.6884 $ 695,594.58
$ 28,662,933.27 $ 1,539.3484 $ 15,375.7360 -$ 13,836.3876 $ 689,571.45
$ 28,175,280.46 $ 1,539.3484 $ 15,242.5981 -$ 13,703.2497 $ 683,600.48
$ 27,706,270.27 $ 1,539.3484 $ 15,110.6130 -$ 13,571.2646 $ 677,681.21
$ 27,255,354.85 $ 1,539.3484 $ 14,979.7708 -$ 13,440.4224 $ 671,813.19
$ 26,822,003.58 $ 1,539.3484 $ 14,850.0615 -$ 13,310.7131 $ 665,995.99
$ 26,405,702.62 $ 1,539.3484 $ 14,721.4754 -$ 13,182.1270 $ 660,229.16
$ 26,005,954.33 $ 1,539.3484 $ 14,594.0027 -$ 13,054.6543 $ 654,512.26
$ 25,622,276.77 $ 1,539.3484 $ 14,467.6338 -$ 12,928.2854 $ 648,844.86
$ 25,254,203.27 $ 1,539.3484 $ 14,342.3592 -$ 12,803.0107 $ 643,226.54
$ 24,901,281.89 $ 1,539.3484 $ 14,218.1692 -$ 12,678.8208 $ 637,656.86
$ 24,563,075.00 $ 1,539.3484 $ 14,095.0546 -$ 12,555.7062 $ 632,135.42
$ 24,239,158.86 $ 1,539.3484 $ 13,973.0061 -$ 12,433.6577 $ 626,661.78
$ 23,929,123.14 $ 1,539.3484 $ 13,852.0144 -$ 12,312.6660 $ 621,235.54
$ 23,632,570.54 $ 1,539.3484 $ 13,732.0703 -$ 12,192.7219 $ 615,856.29
$ 23,349,116.39 $ 1,539.3484 $ 13,613.1649 -$ 12,073.8165 $ 610,523.61
$ 23,078,388.25 $ 1,539.3484 $ 13,495.2890 -$ 11,955.9406 $ 605,237.11
$ 22,820,025.52 $ 1,539.3484 $ 13,378.4338 -$ 11,839.0854 $ 599,996.39
$ 22,573,679.10 $ 1,539.3484 $ 13,262.5905 -$ 11,723.2421 $ 594,801.04
$ 22,339,011.04 $ 1,539.3484 $ 13,147.7502 -$ 11,608.4018 $ 589,650.68
$ 22,115,694.15 $ 1,539.3484 $ 13,033.9044 -$ 11,494.5559 $ 584,544.92
$ 21,903,411.73 $ 1,539.3484 $ 12,921.0443 -$ 11,381.6959 $ 579,483.37
$ 21,701,857.21 $ 1,539.3484 $ 12,809.1615 -$ 11,269.8131 $ 574,465.64
$ 21,510,733.84 $ 1,539.3484 $ 12,698.2474 -$ 11,158.8990 $ 569,491.37
$ 21,329,754.39 $ 1,539.3484 $ 12,588.2938 -$ 11,048.9454 $ 564,560.16
$ 21,158,640.89 $ 1,539.3484 $ 12,479.2922 -$ 10,939.9438 $ 559,671.66
$ 20,997,124.29 $ 1,539.3484 $ 12,371.2345 -$ 10,831.8861 $ 554,825.48
$ 20,844,944.23 $ 1,539.3484 $ 12,264.1125 -$ 10,724.7641 $ 550,021.27
$ 20,701,848.73 $ 1,539.3484 $ 12,157.9180 -$ 10,618.5696 $ 545,258.66
$ 20,567,593.99 $ 1,539.3484 $ 12,052.6431 -$ 10,513.2947 $ 540,537.28
$ 20,441,944.10 $ 1,539.3484 $ 11,948.2797 -$ 10,408.9313 $ 535,856.79
$ 20,324,670.80 $ 1,539.3484 $ 11,844.8200 -$ 10,305.4716 $ 531,216.83
$ 20,215,553.24 $ 1,539.3484 $ 11,742.2562 -$ 10,202.9078 $ 526,617.04
$ 20,114,377.81 $ 1,539.3484 $ 11,640.5804 -$ 10,101.2320 $ 522,057.09
$ 20,020,937.82 $ 1,539.3484 $ 11,539.7851 -$ 10,000.4367 $ 517,536.62
$ 19,935,033.37 $ 1,539.3484 $ 11,439.8625 -$ 9,900.5141 $ 513,055.29
$ 19,856,471.11 $ 1,539.3484 $ 11,340.8052 -$ 9,801.4568 $ 508,612.76
$ 19,785,064.04 $ 1,539.3484 $ 11,242.6056 -$ 9,703.2572 $ 504,208.70
$ 19,720,631.33 $ 1,539.3484 $ 11,145.2563 -$ 9,605.9079 $ 499,842.78
$ 19,662,998.12 $ 1,539.3484 $ 11,048.7500 -$ 9,509.4016 $ 495,514.66
$ 19,611,995.31 $ 1,539.3484 $ 10,953.0793 -$ 9,413.7309 $ 491,224.02
$ 19,567,459.45 $ 1,539.3484 $ 10,858.2370 -$ 9,318.8886 $ 486,970.53
$ 19,529,232.53 $ 1,539.3484 $ 10,764.2160 -$ 9,224.8675 $ 482,753.87
$ 19,497,161.78 $ 1,539.3484 $ 10,671.0090 -$ 9,131.6606 $ 478,573.72
$ 19,471,099.59 $ 1,539.3484 $ 10,578.6092 -$ 9,039.2608 $ 474,429.77
$ 19,450,903.29 $ 1,539.3484 $ 10,487.0094 -$ 8,947.6610 $ 470,321.70
$ 19,436,435.01 $ 1,539.3484 $ 10,396.2028 -$ 8,856.8544 $ 466,249.20
$ 19,427,561.56 $ 1,539.3484 $ 10,306.1825 -$ 8,766.8341 $ 462,211.97
$ 19,424,154.27 $ 1,539.3484 $ 10,216.9416 -$ 8,677.5932 $ 458,209.69
$ 19,426,088.85 $ 1,539.3484 $ 10,128.4735 -$ 441,498.1251 $ -
Cuota en $ Saldo final en $
$ 180,000,000
$ 19,646.61 $ 174,433,865
$ 21,403.67 $ 169,042,217
$ 106,013.14 $ 163,902,492
$ 222,433.37 $ 159,038,684
$ 224,376.24 $ 154,327,753
$ 226,336.07 $ 149,764,972
$ 228,313.03 $ 145,345,761
$ 230,307.25 $ 141,065,681
$ 232,318.89 $ 136,920,433
$ 234,348.10 $ 132,905,850
$ 236,395.03 $ 129,017,895
$ 238,459.85 $ 125,252,657
$ 240,542.70 $ 121,606,344
$ 242,643.74 $ 118,075,286
$ 244,763.14 $ 114,655,923
$ 246,901.04 $ 111,344,807
$ 249,057.62 $ 108,138,600
$ 251,233.04 $ 105,034,063
$ 253,427.46 $ 102,028,061
$ 255,641.05 $ 99,117,555
$ 257,873.97 $ 96,299,602
$ 260,126.39 $ 93,571,348
$ 262,398.49 $ 90,930,029
$ 264,690.43 $ 88,372,968
$ 267,002.40 $ 85,897,570
$ 269,334.55 $ 83,501,321
$ 271,687.08 $ 81,181,785
$ 274,060.16 $ 78,936,603
$ 276,453.96 $ 76,763,487
$ 278,868.68 $ 74,660,222
$ 281,304.48 $ 72,624,662
$ 283,761.56 $ 70,654,726
$ 286,240.10 $ 68,748,400
$ 288,740.29 $ 66,903,732
$ 291,262.32 $ 65,118,830
$ 293,806.38 $ 63,391,861
$ 296,372.66 $ 61,721,050
$ 298,961.35 $ 60,104,677
$ 301,572.66 $ 58,541,074
$ 304,206.78 $ 57,028,627
$ 306,863.90 $ 55,565,772
$ 309,544.23 $ 54,150,993
$ 312,247.97 $ 52,782,821
$ 314,975.33 $ 51,459,833
$ 317,726.51 $ 50,180,652
$ 320,501.73 $ 48,943,942
$ 323,301.18 $ 47,748,409
$ 326,125.08 $ 46,592,800
$ 328,973.65 $ 45,475,900
$ 331,847.10 $ 44,396,534
$ 334,745.65 $ 43,353,561
$ 337,669.52 $ 42,345,878
$ 340,618.93 $ 41,372,414
$ 343,594.09 $ 40,432,135
$ 346,595.25 $ 39,524,035
$ 349,622.62 $ 38,647,143
$ 352,676.43 $ 37,800,517
$ 355,756.92 $ 36,983,244
$ 358,864.31 $ 36,194,440
$ 361,998.84 $ 35,433,249
$ 365,160.75 $ 34,698,841
$ 368,350.28 $ 33,990,412
$ 371,567.67 $ 33,307,186
$ 374,813.17 $ 32,648,406
$ 378,087.01 $ 32,013,344
$ 381,389.44 $ 31,401,292
$ 384,720.73 $ 30,811,564
$ 388,081.11 $ 30,243,497
$ 391,470.84 $ 29,696,448
$ 394,890.18 $ 29,169,794
$ 398,339.38 $ 28,662,933
$ 401,818.71 $ 28,175,280
$ 405,328.44 $ 27,706,270
$ 408,868.82 $ 27,255,355
$ 412,440.12 $ 26,822,004
$ 416,042.62 $ 26,405,703
$ 419,676.58 $ 26,005,954
$ 423,342.28 $ 25,622,277
$ 427,040.01 $ 25,254,203
$ 430,770.03 $ 24,901,282
$ 434,532.63 $ 24,563,075
$ 438,328.09 $ 24,239,159
$ 442,156.71 $ 23,929,123
$ 446,018.77 $ 23,632,571
$ 449,914.56 $ 23,349,116
$ 453,844.39 $ 23,078,388
$ 457,808.53 $ 22,820,026
$ 461,807.30 $ 22,573,679
$ 465,841.00 $ 22,339,011
$ 469,909.94 $ 22,115,694
$ 474,014.41 $ 21,903,412
$ 478,154.73 $ 21,701,857
$ 482,331.22 $ 21,510,734
$ 486,544.19 $ 21,329,754
$ 490,793.95 $ 21,158,641
$ 495,080.84 $ 20,997,124
$ 499,405.17 $ 20,844,944
$ 503,767.27 $ 20,701,849
$ 508,167.47 $ 20,567,594
$ 512,606.11 $ 20,441,944
$ 517,083.51 $ 20,324,671
$ 521,600.03 $ 20,215,553
$ 526,155.99 $ 20,114,378
$ 530,751.75 $ 20,020,938
$ 535,387.65 $ 19,935,033
$ 540,064.05 $ 19,856,471
$ 544,781.29 $ 19,785,064
$ 549,539.73 $ 19,720,631
$ 554,339.74 $ 19,662,998
$ 559,181.67 $ 19,611,995
$ 564,065.89 $ 19,567,459
$ 568,992.78 $ 19,529,233
$ 573,962.70 $ 19,497,162
$ 578,976.03 $ 19,471,100
$ 584,033.15 $ 19,450,903
$ 589,134.44 $ 19,436,435
$ 594,280.29 $ 19,427,562
$ 599,471.09 $ 19,424,154
$ 604,707.23 $ 19,426,089
$ 19,426,089.00 -$ 0
Datos n
UVR Base 139.5582 0
Inflacion mes 0.87% 1
Tasa remunerativa mes 2.21% 2
iv Mes vencido 3.10% 3
P $ 180,000,000.00 4
n 120 5
TEA 0.443 6
7
GRADIENTE ESCALONADO 8
Ge 10% 9
r 1.10 10
Hipótesis 806.804981413022 11
Primera cuota $ 116.67847 12
13
14
Saldo final en $ 15
16
$ 35,000,000,000
17
$ 30,000,000,000 18
19
$ 25,000,000,000
20
$ 20,000,000,000 21
22
$ 15,000,000,000 23
$ 10,000,000,000 24
25
$ 5,000,000,000 26
27
$-
1 7 13 19 25 31 37 43 49 55 61 67 73 79 85 91 97 103109115 28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
 94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
 SISTEMA DE AMORTIZACION CUOTA FIJA EN UVR
VR. UVR Saldo inicial $ Cuota UVR
139.5582
140.7772 $ 180,000,000.00 $ 139.5582
142.0068 $ 174,433,865.40 $ 153.51
143.2472 $ 169,042,613.18 $ 168.87
144.4984 $ 163,821,052.39 $ 185.75
145.7605 $ 158,764,179.05 $ 204.33
147.0337 $ 153,867,173.18 $ 224.76
148.3180 $ 149,125,396.20 $ 247.24
149.6135 $ 144,534,388.86 $ 271.96
150.9203 $ 140,089,869.47 $ 299.16
152.2385 $ 135,787,732.75 $ 329.07
153.5682 $ 131,624,049.10 $ 361.98
154.9096 $ 127,595,064.43 $ 398.18
156.2627 $ 123,697,200.62 $ 437.99
157.6276 $ 119,927,056.54 $ 481.79
159.0044 $ 116,281,409.81 $ 529.97
160.3932 $ 112,757,219.27 $ 582.97
161.7942 $ 109,351,628.27 $ 641.27
163.2074 $ 106,061,968.80 $ 705.39
164.6329 $ 102,885,766.60 $ 775.93
166.0709 $ 99,820,747.35 $ 853.53
167.5215 $ 96,864,843.90 $ 938.88
168.9847 $ 94,016,204.88 $ 1,032.77
170.4608 $ 91,273,204.55 $ 1,136.04
171.9497 $ 88,634,454.31 $ 1,249.65
173.4516 $ 86,098,815.74 $ 1,374.61
174.9666 $ 83,665,415.57 $ 1,512.07
176.4949 $ 81,333,662.64 $ 1,663.28
178.0365 $ 79,103,267.08 $ 1,829.61
179.5915 $ 76,974,261.99 $ 2,012.57
181.1602 $ 74,947,027.80 $ 2,213.82
182.7426 $ 73,022,319.75 $ 2,435.21
184.3387 $ 71,201,298.53 $ 2,678.73
185.9489 $ 69,485,564.79 $ 2,946.60
187.5731 $ 67,877,197.63 $ 3,241.26
189.2114 $ 66,378,797.64 $ 3,565.39
190.8641 $ 64,993,534.93 $ 3,921.93
192.5312 $ 63,725,202.76 $ 4,314.12
194.2129 $ 62,578,277.26 $ 4,745.53
195.9093 $ 61,557,984.02 $ 5,220.08
197.6205 $ 60,670,372.15 $ 5,742.09
199.3466 $ 59,922,396.83 $ 6,316.30
201.0878 $ 59,322,011.04 $ 6,947.93
202.8442 $ 58,878,267.62 $ 7,642.72
204.6160 $ 58,601,432.75 $ 8,407.00
206.4032 $ 58,503,112.10 $ 9,247.70
208.2061 $ 58,596,390.96 $ 10,172.46
210.0247 $ 58,895,990.03 $ 11,189.71
211.8592 $ 59,418,438.39 $ 12,308.68
213.7097 $ 60,182,265.67 $ 13,539.55
215.5763 $ 61,208,215.49 $ 14,893.51
217.4593 $ 62,519,482.43 $ 16,382.86
219.3587 $ 64,141,975.19 $ 18,021.14
221.2747 $ 66,104,608.72 $ 19,823.26
223.2075 $ 68,439,628.61 $ 21,805.58
225.1571 $ 71,182,971.11 $ 23,986.14
227.1238 $ 74,374,662.81 $ 26,384.75
229.1076 $ 78,059,264.30 $ 29,023.23
231.1088 $ 82,286,362.54 $ 31,925.55
233.1274 $ 87,111,117.42 $ 35,118.11
235.1637 $ 92,594,868.30 $ 38,629.92
237.2177 $ 98,805,807.18 $ 42,492.91
239.2897 $ 105,819,725.79 $ 46,742.20
241.3798 $ 113,720,844.74 $ 51,416.42
243.4882 $ 122,602,733.53 $ 56,558.06
245.6150 $ 132,569,331.72 $ 62,213.87
247.7603 $ 143,736,081.95 $ 68,435.26
249.9244 $ 156,231,187.37 $ 75,278.78
252.1074 $ 170,197,006.99 $ 82,806.66
254.3094 $ 185,791,604.03 $ 91,087.33
256.5307 $ 203,190,464.11 $ 100,196.06
258.7714 $ 222,588,401.89 $ 110,215.66
261.0317 $ 244,201,676.73 $ 121,237.23
263.3117 $ 268,270,340.37 $ 133,360.95
265.6116 $ 295,060,842.03 $ 146,697.05
267.9316 $ 324,868,919.12 $ 161,366.75
270.2719 $ 358,022,804.85 $ 177,503.43
272.6326 $ 394,886,787.56 $ 195,253.77
275.0139 $ 435,865,160.23 $ 214,779.15
277.4161 $ 481,406,602.94 $ 236,257.06
279.8392 $ 532,009,045.81 $ 259,882.77
282.2835 $ 588,225,064.94 $ 285,871.05
284.7491 $ 650,667,869.98 $ 314,458.15
287.2363 $ 720,017,947.93 $ 345,903.97
289.7452 $ 797,030,435.32 $ 380,494.36
292.2760 $ 882,543,298.40 $ 418,543.80
294.8289 $ 977,486,410.11 $ 460,398.18
297.4041 $ 1,082,891,621.95 $ 506,438.00
300.0018 $ 1,199,903,939.88 $ 557,081.80
302.6222 $ 1,329,793,925.24 $ 612,789.98
305.2655 $ 1,473,971,454.99 $ 674,068.97
307.9319 $ 1,634,000,990.19 $ 741,475.87
310.6215 $ 1,811,618,518.12 $ 815,623.46
313.3347 $ 2,008,750,351.44 $ 897,185.81
316.0715 $ 2,227,533,987.87 $ 986,904.39
318.8323 $ 2,470,341,256.41 $ 1,085,594.82
321.6171 $ 2,739,804,000.52 $ 1,194,154.31
324.4263 $ 3,038,842,576.49 $ 1,313,569.74
327.2601 $ 3,370,697,475.47 $ 1,444,926.71
330.1186 $ 3,738,964,411.59 $ 1,589,419.38
333.0020 $ 4,147,633,256.03 $ 1,748,361.32
335.9106 $ 4,601,131,238.65 $ 1,923,197.45
338.8447 $ 5,104,370,884.86 $ 2,115,517.20
341.8044 $ 5,662,803,206.86 $ 2,327,068.92
344.7899 $ 6,282,476,725.01 $ 2,559,775.81
347.8015 $ 6,970,102,958.55 $ 2,815,753.39
350.8394 $ 7,733,129,094.57 $ 3,097,328.73
353.9038 $ 8,579,818,622.20 $ 3,407,061.60
356.9950 $ 9,519,340,804.92 $ 3,747,767.76
360.1132 $ 10,561,869,959.81 $ 4,122,544.54
363.2587 $ 11,718,695,618.65 $ 4,534,798.99
366.4316 $ 13,002,344,763.55 $ 4,988,278.89
369.6322 $ 14,426,717,460.69 $ 5,487,106.78
372.8608 $ 16,007,237,360.53 $ 6,035,817.46
376.1176 $ 17,761,018,694.17 $ 6,639,399.21
379.4028 $ 19,707,051,573.83 $ 7,303,339.13
382.7168 $ 21,866,407,603.84 $ 8,033,673.04
386.0596 $ 24,262,468,028.17 $ 8,837,040.34
389.4317 $ 26,921,176,884.88 $ 9,720,744.38
392.8332 $ 29,871,321,908.30 $ 10,692,818.82
396.2645 $ 33,144,846,220.46 $ 11,762,100.70
DE AMORTIZACION CUOTA FIJA EN UVR
Interes UVR Amortizacion UVR Saldo UVR Cuota en $
$ 1,289,784
$ 40,024.74 -$ 39,885.1856 $ 1,278,616 $ 19,646.61
$ 39,678.17 -$ 39,524.6571 $ 1,267,545 $ 21,800.04
$ 39,334.60 -$ 39,165.7340 $ 1,256,569 $ 24,189.50
$ 38,994.00 -$ 38,808.2507 $ 1,245,689 $ 26,840.86
$ 38,656.36 -$ 38,452.0279 $ 1,234,902 $ 29,782.83
$ 38,321.63 -$ 38,096.8713 $ 1,224,209 $ 33,047.27
$ 37,989.81 -$ 37,742.5698 $ 1,213,609 $ 36,669.52
$ 37,660.85 -$ 37,388.8939 $ 1,203,100 $ 40,688.80
$ 37,334.75 -$ 37,035.5941 $ 1,192,683 $ 45,148.62
$ 37,011.47 -$ 36,682.3984 $ 1,182,355 $ 50,097.27
$ 36,690.99 -$ 36,329.0105 $ 1,172,117 $ 55,588.33
$ 36,373.28 -$ 35,975.1068 $ 1,161,968 $ 61,681.26
$ 36,058.33 -$ 35,620.3344 $ 1,151,907 $ 68,442.02
$ 35,746.10 -$ 35,264.3074 $ 1,141,932 $ 75,943.82
$ 35,436.58 -$ 34,906.6040 $ 1,132,044 $ 84,267.87
$ 35,129.73 -$ 34,546.7628 $ 1,122,242 $ 93,504.31
$ 34,825.55 -$ 34,184.2789 $ 1,112,525 $ 103,753.14
$ 34,523.99 -$ 33,818.5993 $ 1,102,891 $ 115,125.32
$ 34,225.05 -$ 33,449.1181 $ 1,093,341 $ 127,743.98
$ 33,928.70 -$ 33,075.1715 $ 1,083,874 $ 141,745.75
$ 33,634.91 -$ 32,696.0317 $ 1,074,489 $ 157,282.22
$ 33,343.67 -$ 32,310.9005 $ 1,065,185 $ 174,521.62
$ 33,054.94 -$ 31,918.9025 $ 1,055,962 $ 193,650.59
$ 32,768.72 -$ 31,519.0768 $ 1,046,818 $ 214,876.26
$ 32,484.98 -$ 31,110.3690 $ 1,037,754 $ 238,428.43
$ 32,203.69 -$ 30,691.6217 $ 1,028,768 $ 264,562.10
$ 31,924.84 -$ 30,261.5640 $ 1,019,860 $ 293,560.24
$ 31,648.41 -$ 29,818.8001 $ 1,011,029 $ 325,736.81
$ 31,374.36 -$ 29,361.7970 $ 1,002,274 $ 361,440.18
$ 31,102.70 -$ 28,888.8708 $ 993,596 $ 401,056.94
$ 30,833.38 -$ 28,398.1713 $ 984,992 $ 445,016.01
$ 30,566.39 -$ 27,887.6656 $ 976,463 $ 493,793.35
$ 30,301.72 -$ 27,355.1196 $ 968,008 $ 547,917.08
$ 30,039.34 -$ 26,798.0781 $ 959,626 $ 607,973.20
$ 29,779.23 -$ 26,213.8425 $ 951,317 $ 674,611.96
$ 29,521.37 -$ 25,599.4467 $ 943,079 $ 748,554.86
$ 29,265.75 -$ 24,951.6297 $ 934,913 $ 830,602.50
$ 29,012.34 -$ 24,266.8069 $ 926,818 $ 921,643.23
$ 28,761.12 -$ 23,541.0372 $ 918,793 $ 1,022,662.75
$ 28,512.08 -$ 22,769.9875 $ 910,837 $ 1,134,754.82
$ 28,265.19 -$ 21,948.8934 $ 902,950 $ 1,259,133.09
$ 28,020.45 -$ 21,072.5162 $ 895,131 $ 1,397,144.21
$ 27,777.82 -$ 20,135.0952 $ 887,380 $ 1,550,282.47
$ 27,537.29 -$ 19,130.2958 $ 879,697 $ 1,720,205.91
$ 27,298.85 -$ 18,051.1519 $ 872,079 $ 1,908,754.33
$ 27,062.47 -$ 16,890.0027 $ 864,528 $ 2,117,969.18
$ 26,828.13 -$ 15,638.4234 $ 857,042 $ 2,350,115.66
$ 26,595.83 -$ 14,287.1485 $ 849,621 $ 2,607,707.26
$ 26,365.54 -$ 12,825.9880 $ 842,264 $ 2,893,532.98
$ 26,137.24 -$ 11,243.7348 $ 834,971 $ 3,210,687.49
$ 25,910.92 -$ 9,528.0628 $ 827,741 $ 3,562,604.70
$ 25,686.56 -$ 7,665.4156 $ 820,574 $ 3,953,094.86
$ 25,464.14 -$ 5,640.8825 $ 813,468 $ 4,386,385.90
$ 25,243.65 -$ 3,438.0639 $ 806,425 $ 4,867,169.12
$ 25,025.06 -$ 1,038.9220 $ 799,442 $ 5,400,650.05
$ 24,808.37 $ 1,576.3830 $ 792,519 $ 5,992,604.79
$ 24,593.56 $ 4,429.6731 $ 785,657 $ 6,649,442.53
$ 24,380.60 $ 7,544.9506 $ 778,854 $ 7,378,274.98
$ 24,169.49 $ 10,948.6165 $ 772,110 $ 8,186,993.34
$ 23,960.21 $ 14,669.7099 $ 765,424 $ 9,084,353.74
$ 23,752.74 $ 18,740.1722 $ 758,797 $ 10,080,072.07
$ 23,547.06 $ 23,195.1371 $ 752,226 $ 11,184,929.14
$ 23,343.17 $ 28,073.2503 $ 745,713 $ 12,410,887.45
$ 23,141.04 $ 33,417.0200 $ 739,256 $ 13,771,220.66
$ 22,940.67 $ 39,273.2036 $ 732,854 $ 15,280,657.35
$ 22,742.02 $ 45,693.2328 $ 726,509 $ 16,955,540.45
$ 22,545.10 $ 52,733.6807 $ 720,218 $ 18,814,004.23
$ 22,349.88 $ 60,456.7760 $ 713,981 $ 20,876,170.61
$ 22,156.36 $ 68,930.9687 $ 707,799 $ 23,164,367.03
$ 21,964.51 $ 78,231.5523 $ 701,670 $ 25,703,368.20
$ 21,774.32 $ 88,441.3479 $ 695,595 $ 28,520,664.35
$ 21,585.77 $ 99,651.4572 $ 689,571 $ 31,646,758.85
$ 21,398.86 $ 111,962.0906 $ 683,600 $ 35,115,498.47
$ 21,213.57 $ 125,483.4779 $ 677,681 $ 38,964,439.90
$ 21,029.88 $ 140,336.8702 $ 671,813 $ 43,235,256.30
$ 20,847.79 $ 156,655.6425 $ 665,996 $ 47,974,188.57
$ 20,667.27 $ 174,586.5055 $ 660,229 $ 53,232,545.99
$ 20,488.31 $ 194,290.8397 $ 654,512 $ 59,067,261.72
$ 20,310.90 $ 215,946.1620 $ 648,845 $ 65,541,509.28
$ 20,135.03 $ 239,747.7397 $ 643,227 $ 72,725,386.52
$ 19,960.68 $ 265,910.3651 $ 637,657 $ 80,696,674.56
$ 19,787.84 $ 294,670.3086 $ 632,135 $ 89,541,679.95
$ 19,616.50 $ 326,287.4659 $ 626,662 $ 99,356,169.17
$ 19,446.64 $ 361,047.7211 $ 621,236 $ 110,246,405.45
$ 19,278.25 $ 399,265.5451 $ 615,856 $ 122,330,299.33
$ 19,111.32 $ 441,286.8548 $ 610,524 $ 135,738,685.28
$ 18,945.84 $ 487,492.1570 $ 605,237 $ 150,616,738.32
$ 18,781.79 $ 538,300.0080 $ 599,996 $ 167,125,545.79
$ 18,619.16 $ 594,170.8185 $ 594,801 $ 185,443,851.50
$ 18,457.94 $ 655,611.0388 $ 589,651 $ 205,769,991.05
$ 18,298.11 $ 723,177.7628 $ 584,545 $ 228,324,039.17
$ 18,139.67 $ 797,483.7927 $ 579,483 $ 253,350,192.61
$ 17,982.60 $ 879,203.2093 $ 574,466 $ 281,119,414.00
$ 17,826.89 $ 969,077.5005 $ 569,491 $ 311,932,365.68
$ 17,672.52 $ 1,067,922.3014 $ 564,560 $ 346,122,665.02
$ 17,519.50 $ 1,176,634.8095 $ 559,672 $ 384,060,496.50
$ 17,367.80 $ 1,296,201.9409 $ 554,825 $ 426,156,619.84
$ 17,217.41 $ 1,427,709.3017 $ 550,021 $ 472,866,817.30
$ 17,068.32 $ 1,572,351.0578 $ 545,259 $ 524,696,828.57
$ 16,920.53 $ 1,731,440.7900 $ 540,537 $ 582,207,826.47
$ 16,774.02 $ 1,906,423.4363 $ 535,857 $ 646,022,492.89
$ 16,628.77 $ 2,098,888.4272 $ 531,217 $ 716,831,760.67
$ 16,484.78 $ 2,310,584.1349 $ 526,617 $ 795,402,294.43
$ 16,342.04 $ 2,543,433.7678 $ 522,057 $ 882,584,791.44
$ 16,200.54 $ 2,799,552.8540 $ 517,537 $ 979,323,192.21
$ 16,060.26 $ 3,081,268.4729 $ 513,055 $ 1,086,664,900.77
$ 15,921.19 $ 3,391,140.4110 $ 508,613 $ 1,205,772,125.03
$ 15,783.33 $ 3,731,984.4323 $ 504,209 $ 1,337,934,460.27
$ 15,646.66 $ 4,106,897.8759 $ 499,843 $ 1,484,582,851.77
$ 15,511.18 $ 4,519,287.8138 $ 495,515 $ 1,647,305,087.98
$ 15,376.87 $ 4,972,902.0238 $ 491,224 $ 1,827,862,991.71
$ 15,243.72 $ 5,471,863.0609 $ 486,971 $ 2,028,211,495.76
$ 15,111.73 $ 6,020,705.7339 $ 482,754 $ 2,250,519,809.30
$ 14,980.87 $ 6,624,418.3318 $ 478,574 $ 2,497,194,904.30
$ 14,851.16 $ 7,288,487.9713 $ 474,430 $ 2,770,907,576.23
$ 14,722.56 $ 8,018,950.4796 $ 470,322 $ 3,074,621,361.28
$ 14,595.08 $ 8,822,445.2657 $ 466,249 $ 3,411,624,623.03
$ 14,468.70 $ 9,706,275.6784 $ 462,212 $ 3,785,566,156.23
$ 14,343.42 $ 10,678,475.4002 $ 458,210 $ 4,200,494,692.90
$ - $ 11,762,100.6981 $ 454,242 $ 33,144,846,220.00
Saldo final en $
$ 180,000,000
$ 174,433,865
$ 169,042,613
$ 163,821,052
$ 158,764,179
$ 153,867,173
$ 149,125,396
$ 144,534,389
$ 140,089,869
$ 135,787,733
$ 131,624,049
$ 127,595,064
$ 123,697,201
$ 119,927,057
$ 116,281,410
$ 112,757,219
$ 109,351,628
$ 106,061,969
$ 102,885,767
$ 99,820,747
$ 96,864,844
$ 94,016,205
$ 91,273,205
$ 88,634,454
$ 86,098,816
$ 83,665,416
$ 81,333,663
$ 79,103,267
$ 76,974,262
$ 74,947,028
$ 73,022,320
$ 71,201,299
$ 69,485,565
$ 67,877,198
$ 66,378,798
$ 64,993,535
$ 63,725,203
$ 62,578,277
$ 61,557,984
$ 60,670,372
$ 59,922,397
$ 59,322,011
$ 58,878,268
$ 58,601,433
$ 58,503,112
$ 58,596,391
$ 58,895,990
$ 59,418,438
$ 60,182,266
$ 61,208,215
$ 62,519,482
$ 64,141,975
$ 66,104,609
$ 68,439,629
$ 71,182,971
$ 74,374,663
$ 78,059,264
$ 82,286,363
$ 87,111,117
$ 92,594,868
$ 98,805,807
$ 105,819,726
$ 113,720,845
$ 122,602,734
$ 132,569,332
$ 143,736,082
$ 156,231,187
$ 170,197,007
$ 185,791,604
$ 203,190,464
$ 222,588,402
$ 244,201,677
$ 268,270,340
$ 295,060,842
$ 324,868,919
$ 358,022,805
$ 394,886,788
$ 435,865,160
$ 481,406,603
$ 532,009,046
$ 588,225,065
$ 650,667,870
$ 720,017,948
$ 797,030,435
$ 882,543,298
$ 977,486,410
$ 1,082,891,622
$ 1,199,903,940
$ 1,329,793,925
$ 1,473,971,455
$ 1,634,000,990
$ 1,811,618,518
$ 2,008,750,351
$ 2,227,533,988
$ 2,470,341,256
$ 2,739,804,001
$ 3,038,842,576
$ 3,370,697,475
$ 3,738,964,412
$ 4,147,633,256
$ 4,601,131,239
$ 5,104,370,885
$ 5,662,803,207
$ 6,282,476,725
$ 6,970,102,959
$ 7,733,129,095
$ 8,579,818,622
$ 9,519,340,805
$ 10,561,869,960
$ 11,718,695,619
$ 13,002,344,764
$ 14,426,717,461
$ 16,007,237,361
$ 17,761,018,694
$ 19,707,051,574
$ 21,866,407,604
$ 24,262,468,028
$ 26,921,176,885
$ 29,871,321,908
$ 33,144,846,220
$ 0
 Cuota fija Saldo fi
$ 8,000,000,000
$ 6,000,000,000
En la tabla de amortizacion de cuota fija se observa que a medida de que pasa $ 4,000,000,000
el tiempo, el saldo va aumentando, debido a que la cuota empieza de ser baja $ 2,000,000,000
a ser alta, por esta razon, se empieza pagando menos y al final aumenta. $-
0 20 4

Gradiante aritmetico Saldo fi

$ 600,000,000,000
Determina si la secuencia está aumentando o disminuyendo con el tiempo. Esto
$ 400,000,000,000
te permite comprender la dirección del cambio en los valores y su posible
impacto a largo plazo, aca observamos una cuota creciente que aunmenta en $ 200,000,000,000
un plazo final, entre ams tiempo, mas ira subiendo la cuota por eso siempre es $-
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beneficioso no sacar el credito a tanto tiempo

Gradiante geometrico Saldo

$ 200,000,000
$ 150,000,000
Según la grafica, este es el menos recomendable, ya que en el pasar del
tiempo el credito va aumentando, haciendo que se vuelva un peso mas para $ 100,000,000
nosotros y quedemos iliquidos con este prestamo, debido a su gradiante el
aumento, queda en un punto negativo. $ 50,000,000
$-
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Gradiante escalonado

Según lo que podemos observar esta es la mejor opcion, ya que las cuotas
empiezan altas y terminan bajas, al paagr cuotas inicialmente mas altas, las
cuotas al final seran mas bajas, asi mismo, disminuyendo el sald final . $ 35,000,000,000

$ 30,000,000,000

Que opcion eligiria $ 25,000,000,000

$ 20,000,000,000
Eligiria la opcion del gradiante geometrico, ya que es la que mejor me permite y me da mas
comodidad en cuanto a pago de cuotas, para asi mismo poder sacar el credito hiupotecario $ 15,000,000,000
y con cada pago que haga el valor del credito va disminuyendo.
$ 10,000,000,000

Este sistema implica aumentar las cuotas en pasos predefinidos en momentos específicos $ 5,000,000,000
durante el plazo del préstamo. Puede ser útil si esperas aumentos programados en tus
ingresos, como promociones laborales o aumentos salariales. Sin embargo, puede ser más $-
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complicado de administrar y puede resultar en pagos iniciales más bajos seguidos de pagos
más altos en el futuro.
 Saldo final en $
$ 8,000,000,000
$ 6,000,000,000
$ 4,000,000,000
$ 2,000,000,000
$-
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Saldo final en $
$ 600,000,000,000
$ 400,000,000,000
$ 200,000,000,000
$-
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Saldo final en $
$ 200,000,000
$ 150,000,000
$ 100,000,000
$ 50,000,000
$-
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Saldo final en $
$ 35,000,000,000

$ 30,000,000,000

$ 25,000,000,000

$ 20,000,000,000

$ 15,000,000,000

$ 10,000,000,000

$ 5,000,000,000

$-
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