n 60 meses

Gradiente 3%
A1 $ 29,000.00
Tasa 2.730% menual
No se paga de la 16 a la 20
Nueva tasa 3.60% mensual 16-21
Saldo en el mes 20 se refinancia
n 12 meses
Gradiente -$ 6,000.00
Tasa refinanciación 3.82%
Halle la cuota del mes 20

Periodo Cuota Interes Amortización Saldo

0 $ 1,832,013.58
1 $ 29,000.00 $ 50,013.97 -$ 21,013.97 $ 1,853,027.55
2 $ 29,870.00 $ 50,587.65 -$ 20,717.65 $ 1,873,745.20
3 $ 30,766.10 $ 51,153.24 -$ 20,387.14 $ 1,894,132.35
4 $ 31,689.08 $ 51,709.81 -$ 20,020.73 $ 1,914,153.08
5 $ 32,639.76 $ 52,256.38 -$ 19,616.62 $ 1,933,769.70
6 $ 33,618.95 $ 52,791.91 -$ 19,172.96 $ 1,952,942.66
7 $ 34,627.52 $ 53,315.33 -$ 18,687.82 $ 1,971,630.48
8 $ 35,666.34 $ 53,825.51 -$ 18,159.17 $ 1,989,789.65
9 $ 36,736.33 $ 54,321.26 -$ 17,584.93 $ 2,007,374.58
10 $ 37,838.42 $ 54,801.33 -$ 16,962.90 $ 2,024,337.48
11 $ 38,973.58 $ 55,264.41 -$ 16,290.84 $ 2,040,628.32
12 $ 40,142.78 $ 55,709.15 -$ 15,566.37 $ 2,056,194.69
13 $ 41,347.07 $ 56,134.12 -$ 14,787.05 $ 2,070,981.74
14 $ 42,587.48 $ 56,537.80 -$ 13,950.32 $ 2,084,932.06
15 $ 43,865.10 $ 56,918.65 -$ 13,053.54 $ 2,097,985.61
16 $ 45,181.06 $ 57,275.01 -$ 12,093.95 $ 2,110,079.56
17 $ 46,536.49 $ 57,605.17 -$ 11,068.69 $ 2,121,148.24
18 $ 47,932.58 $ 57,907.35 -$ 9,974.77 $ 2,131,123.01
19 $ 49,370.56 $ 58,179.66 -$ 8,809.10 $ 2,139,932.11
20 $ 50,851.68 $ 58,420.15 -$ 7,568.47 $ 2,147,500.58
21 $ 52,377.23 $ 58,626.77 -$ 6,249.54 $ 2,153,750.12
22 $ 53,948.54 $ 58,797.38 -$ 4,848.84 $ 2,158,598.95
23 $ 55,567.00 $ 58,929.75 -$ 3,362.75 $ 2,161,961.71
24 $ 57,234.01 $ 59,021.55 -$ 1,787.55 $ 2,163,749.25
25 $ 58,951.03 $ 59,070.35 -$ 119.33 $ 2,163,868.58
26 $ 60,719.56 $ 59,073.61 $ 1,645.95 $ 2,162,222.63
27 $ 62,541.15 $ 59,028.68 $ 3,512.47 $ 2,158,710.16
28 $ 64,417.38 $ 58,932.79 $ 5,484.59 $ 2,153,225.57
29 $ 66,349.90 $ 58,783.06 $ 7,566.84 $ 2,145,658.72
30 $ 68,340.40 $ 58,576.48 $ 9,763.92 $ 2,135,894.81
31 $ 70,390.61 $ 58,309.93 $ 12,080.68 $ 2,123,814.12
32 $ 72,502.33 $ 57,980.13 $ 14,522.20 $ 2,109,291.92
33 $ 74,677.40 $ 57,583.67 $ 17,093.73 $ 2,092,198.19
34 $ 76,917.72 $ 57,117.01 $ 19,800.71 $ 2,072,397.48
35 $ 79,225.25 $ 56,576.45 $ 22,648.80 $ 2,049,748.67
36 $ 81,602.01 $ 55,958.14 $ 25,643.87 $ 2,024,104.80
37 $ 84,050.07 $ 55,258.06 $ 28,792.01 $ 1,995,312.79
38 $ 86,571.57 $ 54,472.04 $ 32,099.53 $ 1,963,213.26
39 $ 89,168.72 $ 53,595.72 $ 35,573.00 $ 1,927,640.26
40 $ 91,843.78 $ 52,624.58 $ 39,219.20 $ 1,888,421.05
41 $ 94,599.10 $ 51,553.89 $ 43,045.20 $ 1,845,375.85
42 $ 97,437.07 $ 50,378.76 $ 47,058.31 $ 1,798,317.55
43 $ 100,360.18 $ 49,094.07 $ 51,266.11 $ 1,747,051.43
44 $ 103,370.99 $ 47,694.50 $ 55,676.48 $ 1,691,374.95
45 $ 106,472.12 $ 46,174.54 $ 60,297.58 $ 1,631,077.37
46 $ 109,666.28 $ 44,528.41 $ 65,137.87 $ 1,565,939.50
47 $ 112,956.27 $ 42,750.15 $ 70,206.12 $ 1,495,733.39
48 $ 116,344.96 $ 40,833.52 $ 75,511.43 $ 1,420,221.95
49 $ 119,835.30 $ 38,772.06 $ 81,063.25 $ 1,339,158.71
50 $ 123,430.36 $ 36,559.03 $ 86,871.33 $ 1,252,287.37
51 $ 127,133.27 $ 34,187.45 $ 92,945.83 $ 1,159,341.55
52 $ 130,947.27 $ 31,650.02 $ 99,297.25 $ 1,060,044.30
53 $ 134,875.69 $ 28,939.21 $ 105,936.48 $ 954,107.82
54 $ 138,921.96 $ 26,047.14 $ 112,874.82 $ 841,233.00
55 $ 143,089.62 $ 22,965.66 $ 120,123.96 $ 721,109.04
56 $ 147,382.31 $ 19,686.28 $ 127,696.03 $ 593,413.00
57 $ 151,803.78 $ 16,200.18 $ 135,603.60 $ 457,809.40
58 $ 156,357.89 $ 12,498.20 $ 143,859.70 $ 313,949.71
59 $ 161,048.63 $ 8,570.83 $ 152,477.80 $ 161,471.90
60 $ 165,880.09 $ 4,408.18 $ 161,471.90 -$ 0.00
Periodo Cuota Interes Amortización Saldo Periodo
15 $43,865.10 $ 2,097,985.61 20
16 $45,181.06 $ 75,527.48 | $ 2,098,002.61 21
17 $46,536.49 $ 75,528.09 $ 122,064.58 $ 2,098,019.61 22
18 $47,932.58 $ 75,528.71 $ 123,461.29 $ 2,098,036.61 23
19 $49,370.56 $ 75,529.32 $ 124,899.88 $ 2,098,053.61 24
20 $50,851.68 $ 75,529.93 $ 126,381.61 $ 2,098,070.61 25
26
27
28
29
30
31
32
 Cuota Interes Amortización Saldo
$ 2,098,070.61
$ 655,264.41 $ 80,146.30 $ 735,410.71 $ 1,362,659.89
$ 649,264.41 $ 52,053.61 $ 701,318.02 $ 661,341.87
$ 643,264.41 $ 25,263.26 $ 668,527.67 -$ 7,185.80
$ 637,264.41 -$ 274.50 $ 636,989.92 -$ 644,175.72
$ 631,264.41 -$ 24,607.51 $ 606,656.90 -$ 1,250,832.62
$ 625,264.41 -$ 47,781.81 $ 577,482.61 -$ 1,828,315.23
$ 619,264.41 -$ 69,841.64 $ 549,422.77 -$ 2,377,738.00
$ 613,264.41 -$ 90,829.59 $ 522,434.82 -$ 2,900,172.82
$ 607,264.41 -$ 110,786.60 $ 496,477.81 -$ 3,396,650.63
$ 601,264.41 -$ 129,752.05 $ 471,512.36 -$ 3,868,162.99
$ 595,264.41 -$ 147,763.83 $ 447,500.59 -$ 4,315,663.58
$ 589,264.41 -$ 164,858.35 $ 424,406.07 -$ 4,740,069.64
Vp $ 1,385,000.00
Cuoa inicial $ 277,000.00
Tasa 1 3.80% mensual del mes 0-6
Tasa 2 3.10% mensual
Gradiente 1.60%
Pago $ 180,000.00 mes 22
Pago 1 -150852.8052612
Periodo Pago Interes Amortización Saldo
0 -$ 277,000.00 $ 1,108,000.00
1 0
2 0
3 0
4 0
5 0
6 0 -$1,385,874.43
7 -150852.8052612 -$42,962.11 -$193,814.91 -$1,192,059.52
8 -153266.45 -$36,953.84 -$190,220.30 -$1,001,839.22
9 -155718.71 -$31,057.02 -$186,775.73 -$815,063.49
10 -158210.21 -$25,266.97 -$183,477.18 -$631,586.31
11 -160741.58 -$19,579.18 -$180,320.75 -$451,265.56
12 -163313.44 -$13,989.23 -$177,302.67 -$273,962.89
13 -165926.46 -$8,492.85 -$174,419.31 -$99,543.58
14 -168581.28 -$3,085.85 -$171,667.13 $72,123.55
15 -171278.58 $2,235.83 -$169,042.75 $241,166.30
16 -174019.04 $7,476.16 -$166,542.88 $407,709.18
17 -176803.34 $12,638.98 -$164,164.36 $571,873.54
18 -179632.20 $17,728.08 -$161,904.12 $733,777.66
19 0
20 0
21 0
22 -$ 180,000.00
VPN en 6 -$1,732,343.04
VPN en 0 $1,385,000.00
 OPCIÓN A
Cuota inicial carro -$ 4,500,000.00
Pago mes 10 -$ 770,000.00
Pago mes 15 -$ 770,000.00
Pago mes 20 -$ 770,000.00
Valor de salvamento $ 5,500,000.00
Gasolina
Gradiente 12%
Costo por galon $ 7,600.00
Se requiere 1 galon 42
Recorrido por año 16000 1333.3333333333 31.746031746
primer pago mensual gasolina -$ 241,269.84

OPCIÓN A
Periodo Flujo de caja carro Flujo de caja
Gasolina
0 -$ 4,500,000.00
1 $ - -$ 241,269.84
2 $ - -$ 241,269.84
3 $ - -$ 241,269.84
4 $ - -$ 241,269.84
5 $ - -$ 241,269.84
6 $ - -$ 241,269.84
7 $ - -$ 241,269.84
8 $ - -$ 241,269.84
9 $ - -$ 241,269.84
10 -$ 770,000.00 -$ 241,269.84
11 $ - -$ 241,269.84
12 $ - -$ 241,269.84
13 $ - -$ 270,222.22
14 $ - -$ 270,222.22
15 -$ 770,000.00 -$ 270,222.22
16 $ - -$ 270,222.22
17 $ - -$ 270,222.22
18 $ - -$ 270,222.22
19 $ - -$ 270,222.22
20 -$ 770,000.00 -$ 270,222.22
21 $ - -$ 270,222.22
22 $ - -$ 270,222.22
23 $ - -$ 270,222.22
24 $ - -$ 270,222.22
25 $ - -$ 302,648.89
26 $ - -$ 302,648.89
27 $ - -$ 302,648.89
28 $ - -$ 302,648.89
29 $ - -$ 302,648.89
30 $ - -$ 302,648.89
31 $ - -$ 302,648.89
 32 $ - -$ 302,648.89
33 $ - -$ 302,648.89
34 $ - -$ 302,648.89
35 $ - -$ 302,648.89
36 $ 5,500,000.00 -$ 302,648.89

VNA -$2,669,247.04 -$8,067,267.40 -$10,736,514.43

 OPCIÓN B
Costo mensual -$ 160,000.00
Grafiente 3.4%
Se paga de forma anticipada

Tasa 3.00% TA
3.09% TV
1.02% EM

OPCIÓN B
Periodo Flujo de caja

0 -$ 160,000.00
1 -$ 160,000.00
2 -$ 160,000.00
3 -$ 160,000.00
4 -$ 160,000.00
5 -$ 160,000.00
6 -$ 160,000.00
7 -$ 160,000.00
8 -$ 160,000.00
9 -$ 160,000.00
10 -$ 160,000.00
11 -$ 160,000.00
12 $ -
13 -$ 165,440.00
14 -$ 165,440.00
15 -$ 165,440.00
16 -$ 165,440.00
17 -$ 165,440.00
18 -$ 165,440.00
19 -$ 165,440.00
20 -$ 165,440.00
21 -$ 165,440.00
22 -$ 165,440.00
23 -$ 165,440.00
24 -$ 165,440.00
25 -$ 171,064.96
26 -$ 171,064.96
27 -$ 171,064.96
28 -$ 171,064.96
29 -$ 171,064.96
30 -$ 171,064.96
31 -$ 171,064.96
 32 -$ 171,064.96
33 -$ 171,064.96
34 -$ 171,064.96
35 -$ 171,064.96
36 -$ 171,064.96

VNA -$4,970,186.53
Opcion A
Vehiculo usado $ 4,500,000.00
Pagos $ 770,000.00 10, 15, 20
gasolina 12%
precio galon $ 7,600.00
1 galon 42 km
16000 km x año 1333.33333 31.7460317
Tasa 3% TA 3.09% V
Venta de carro $ 5,500,000.00

Periodo Flujo de caja del carro Flujo de caja de la gasolina

0 -$ 4,500,000.00
1 $ - -$ 241,269.84
2 $ - -$ 241,269.84
3 $ - -$ 241,269.84
4 $ - -$ 241,269.84
5 $ - -$ 241,269.84
6 $ - -$ 241,269.84
7 $ - -$ 241,269.84
8 $ - -$ 241,269.84
9 $ - -$ 241,269.84
10 -$ 770,000.00 -$ 241,269.84
11 $ - -$ 241,269.84
12 $ - -$ 241,269.84
13 $ - -$ 270,222.22
14 $ - -$ 270,222.22
15 -$ 770,000.00 -$ 270,222.22
16 $ - -$ 270,222.22
17 $ - -$ 270,222.22
18 $ - -$ 270,222.22
19 $ - -$ 270,222.22
20 -$ 770,000.00 -$ 270,222.22
21 $ - -$ 270,222.22
22 $ - -$ 270,222.22
23 $ - -$ 270,222.22
24 $ - -$ 270,222.22
25 $ - -$ 302,648.89
26 $ - -$ 302,648.89
27 $ - -$ 302,648.89
28 $ - -$ 302,648.89
29 $ - -$ 302,648.89
30 $ - -$ 302,648.89
31 $ - -$ 302,648.89
32 $ - -$ 302,648.89
 33 $ - -$ 302,648.89
34 $ - -$ 302,648.89
35 $ - -$ 302,648.89
36 $ 5,500,000.00 -$ 302,648.89

VNA -$ 2,669,247.04 -$ 10,736,514.43

VNA 2 -$8,067,267.40
 12.96% EA 1.02% MV

Opcion B
Pagados de forma 1 año
incremento 3.40%
pago anticipado 160000

Periodo Flujo de caja

0 -160000
1 -160000 -$ 4,970,186.53
2 -160000
3 -160000
4 -160000
5 -160000
6 -160000
7 -160000
8 -160000
9 -160000
10 -160000
11 -160000
12 0
13 -165440
14 -165440
15 -165440
16 -165440
17 -165440
18 -165440
19 -165440
20 -165440
21 -165440
22 -165440
23 -165440
24 -165440
25 -171065
26 -171065
27 -171065
28 -171065
29 -171065
30 -171065
31 -171065
32 -171065
33 -171065
34 -171065
35 -171065
36 -171065
Vp -$ 100,000,000.00

OPCIÓN A OPCIÓN B
Tasa 36% Anual inversión -$ 80,000,000.00
inversión $ 50,000,000.00 Minimo Ingreso 1 $ 6,000,000.00 mensual
n 1 año Gradiente 5%
Vs $ 30,000,000.00
Inversión en la financiera
Tasa 1.8% Mensual

OPCIÓN A OPCIÓN B
VF $136,000,000.00 Periodo Flujo de caja
0 -$ 80,000,000.00
1 $ 6,000,000.00
2 $ 6,300,000.00
3 $ 6,615,000.00
4 $ 6,945,750.00
5 $ 7,293,037.50
6 $ 7,657,689.38
7 $ 8,040,573.84
8 $ 8,442,602.54
9 $ 8,864,732.66
10 $ 9,307,969.30
11 $ 9,773,367.76
12 $ 40,262,036.15
Alternativa A
Inversion $ 100,000,000
Paga 36% EA
Plazo 1 Año

vf $136,000,000.00

Alternativa B Reinvertir
Ingresos Reinvertir
0
1 $ 6,000,000 $7,300,906.87
2 $ 6,300,000 $7,530,404.92
3 $ 6,615,000 $7,767,117.06
4 $ 6,945,750 $8,011,270.05
5 $ 7,293,038 $8,263,097.79
6 $ 7,657,689 $8,522,841.54
7 $ 8,040,574 $8,790,750.11
8 $ 8,442,603 $9,067,080.17
9 $ 8,864,733 $9,352,096.45
10 $ 9,307,969 $9,646,071.97
11 $ 9,773,368 $9,949,288.38
12 $ 10,262,036 $10,262,036.15
$ 95,502,759 $104,462,961.46 $134,462,961.46 $24,774,410.63
$ 175,502,759 $159,237,372.09
1.80% MV
Opcion A 8 trabajadores
salario $ 300,000.00
prestaciones 50% $ 150,000 Por trabajador
TIO 9.33% STV
0.04663515 TV
20.000% EA
Horizonte 5 Años

0 1 2 3 4
Salario $ 28,800,000 $ 28,800,000 $ 28,800,000 $ 28,800,000
Prestaciones $ 14,400,000 $ 14,400,000 $ 14,400,000 $ 14,400,000
Flujo $ 43,200,000 $ 43,200,000 $ 43,200,000 $ 43,200,000

VNA -$129,194,430.61
CAUE -$43,200,000.00

Opcion B
Equipos 2
Valor equipos $ 20,000,000.00
Chofer 2 salario $ 500,000.00 prestaciones
colaboradores 2 salario $ 300,000.00 prestaciones
Vida util 5 años
Sostenimiento $ 2,000,000 Por año

0 1 2 3
Inversion -$ 20,000,000.00
Salario Chofer $ 12,000,000.00 $ 12,000,000.00 $ 12,000,000.00
Prestaciones Chofer $ 6,000,000.00 $ 6,000,000.00 $ 6,000,000.00
Salario Colaborador $ 7,200,000.00 $ 7,200,000.00 $ 7,200,000.00
Prestaciones Colaborador $ 3,600,000.00 $ 3,600,000.00 $ 3,600,000.00
Depreciacion $ 4,000,000.00 $ 4,000,000.00 $ 4,000,000.00
Sostenimiento $ 2,000,000 $ 2,000,000 $ 2,000,000
TOTAL EGRESOS -$ 30,800,000.00 -$ 30,800,000.00 -$ 30,800,000.00

Flujo -$ 20,000,000.00 -$ 26,800,000.00 -$ 26,800,000.00 -$ 26,800,000.00

VNA -$ 89,378,080.02

CAUE -$29,886,219.08
 5
$ 28,800,000
$ 14,400,000
$ 43,200,000

50%
50%

$ 12,000,000.00
$ 6,000,000.00
$ 7,200,000.00
$ 3,600,000.00
$ 4,000,000.00
$ 2,000,000
-$ 30,800,000.00

-$ 26,800,000.00
 DATOS
Vp $ 200,000.00
Couta inicial -$ 55,000.00
Diez cuotas mensuales (se pagan dentro
de 6 meses)
Cuota $ 16,046.09
Pago $ 70,000.00 mes 20
Tasa 1 3.8% mensual
Tasa 2 3.5% mensual

Llevando en el
Periodo Cuota Tasa mes 6
0 -$ 55,000.00 3.8% $68,793.41
1 $ - 3.8%
2 $ - 3.8%
3 $ - 3.8%
4 $ - 3.8%
5 $ - 3.8%
6 $ 16,046.09 3.8% $ 16,046.09
7 $ 16,046.09 3.5% $165,318.34
8 $ 16,046.09 3.5%
9 $ 16,046.09 3.5%
10 $ 16,046.09 3.5%
11 $ 16,046.09 3.5%
12 $ 16,046.09 3.5%
13 $ 16,046.09 3.5%
14 $ 16,046.09 3.5%
15 $ 16,046.09 3.5%
16 $ - 3.5%
17 $ - 3.5%
18 $ - 3.5%
19 $ - 3.5%
20 $ 70,000.00 3.5%
Sumatoria valores en 6 $250,157.84
Llevando Vp al mes 6 $250,157.84
 OPCIÓN 1
Valor semilla $ 3.45 US/kilo
Rendimiento 1 30 m2/kg

Área jardin de enfrente 350 m2

Área jardin de atrás 320 m2
Tonelada de abono $ 28.00 USD
Abono siembra inicil 4 ton
Abono cada 3 años 1 ton
Sistema de riego (instalacion) $ 360.00 USD
Costo mantenimiento anual $ 16.00 USD
Vida util sistema de rigo 8 años
Costos fijos anuales $ 120.00 USD

Periodo 0 1 2
Valor semilla -$ 77.05 $ - $ -
Abono -$ 112.00 $ - $ -
Sistema de riego -$ 360.00 -$ 16.00 -$ 16.00
Costos fijos $ - -$ 120.00 -$ 120.00
Flujo de caja -$ 549.05 -$ 136.00 -$ 136.00

VNA -$1,767.48
CAUE $249.46

Periodo Jardin selvatico Costos fijos Retiro pasto

0 -$ 2,800.00
1 -$ 25.00
2 -$ 25.00
3 -$ 25.00
4 -$ 25.00
5 -$ 25.00
6 -$ 25.00 -$ 450.00
7 -$ 25.00
8 -$ 25.00
9 -$ 25.00
10 -$ 25.00
11 -$ 25.00
12 -$ 25.00 -$ 450.00
13 -$ 25.00
14 -$ 25.00
15 -$ 25.00
16 -$ 25.00
17 -$ 25.00
18 -$ 25.00 -$ 450.00
19 -$ 25.00
 20 -$ 25.00
21 -$ 25.00
22 -$ 25.00
23 -$ 25.00
24 -$ 25.00 -$ 450.00

VNA -$3,356.11
CAUE $473.67
 OPCIÓN 2
Jardin selvatico $ 2,800.00 USD
Costos fijos anuales $ 25.00 USD

Retiro de pasto cada 6 años $ 450.00 USD

n 8 años
Tasa 3.20% ET
13.43% EA
Área total jardines 670 m2

MCM 24

OPCIÓN 1
3 4 5 6 7 8 9
$ - $ - $ - $ - $ - $ - $ -
-$ 28.00 $ - $ - -$ 28.00 $ - $ - -$ 28.00
-$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 376.00 -$ 16.00
-$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00
-$ 164.00 -$ 136.00 -$ 136.00 -$ 164.00 -$ 136.00 -$ 496.00 -$ 164.00

Fluo de caja
-$ 2,800.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 475.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 475.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 475.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 25.00
-$ 475.00
OPCIÓN 1
10 11 12 13 14 15 16 17
$ - $ - $ - $ - $ - $ - $ - $ -
$ - $ - -$ 28.00 $ - $ - -$ 28.00 $ - $ -
-$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 376.00 -$ 16.00
-$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00
-$ 136.00 -$ 136.00 -$ 164.00 -$ 136.00 -$ 136.00 -$ 164.00 -$ 496.00 -$ 136.00
 18 19 20 21 22 23 24
$ - $ - $ - $ - $ - $ - $ -
-$ 28.00 $ - $ - -$ 28.00 $ - $ - -$ 28.00
-$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 16.00 -$ 376.00
-$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00 -$ 120.00
-$ 164.00 -$ 136.00 -$ 136.00 -$ 164.00 -$ 136.00 -$ 136.00 -$ 524.00
Tasa 20%

Alternativas de A B C A-B A-C B-C

inversión
Costo incial -$ 100,000.00 -$ 120,000.00 -$ 125,000.00 $20,000.00 $25,000.00 $ 5,000.00
CAO año 1 -$ 10,000.00 -$ 12,000.00 -$ 2,000.00 $ 2,000.00 -$ 8,000.00 -$10,000.00
CAO año 2 -$ 12,000.00 -$ 2,000.00 -$ 1,000.00 -$10,000.00 -$11,000.00 -$ 1,000.00
CAO año 3 -$ 14,000.00 -$ 2,000.00 $ - -$12,000.00 -$14,000.00 -$ 2,000.00

TIRI 0.0000% 13.851% 117.63%

Evaluando las TIRI CON LAS TIO A A C
TASA 20%
Alternativas de inversioa b c
Cuota inicial -$ 100,000 -120000 -125000
CAO año 1 -$ 10,000 -12000 -2000
CAO año 2 -$ 12,000 -2000 -1000
CAO año 3 -$ 14,000 -2000 0
TIRI C-A TIRI B-A TIRI C-B
-$ 25,000 -$ 20,000 -$ 5,000
$ 8,000 -$ 2,000 $ 10,000
$ 11,000 $ 10,000 $ 1,000
$ 14,000 $ 12,000 $ 2,000

13.9% 0% 117.6%
Prestamo $ 600,000
plazo 18 meses
Tasa 6% SV 12.4% EA 0.98%
Prestamo amigo $ 1,000,000
plazo 1 año
interes 9.60% S 20.1% EA 1.54%

Juan propone pagar $ 1,600,000

Tasa ?

Periodo
0 $ 600,000 $ 1,000,000
1
2
3
4
5
6 -$224,465.89 -$573,099.24
7
8
9
10
11
12 -$224,465.89 -$573,099.24
13
14
15
16
17
18 -$224,465.89

-$673,397.66 -$1,146,198.47 ###

PROYECTO A PROYECTO B
Inversion inicial $ 232,000 $ 232,000
ingresos $ 224,457 primer año $ 300,000
Ingresos adiconale $ 10,000 años 2 y 4
TIO 3%

periodos
0 -$ 232,000 12 0 -232000
1 $ 224,457 1 0
2 $ 10,000 2 0
3 $ - 3 0
4 -$ 222,000 4 0
5 $ 224,457 5 0
6 $ 10,000 6 68000
7 $ - 7 0
8 -$ 222,000 8 0
9 $ 224,457 9 0
10 10 0
11 $ - 11 0
12 12 300000

-$ 3,126.58 $ 35,840.00 $ 35,362.89

$314.10 -$3,552.63