SIMULADOR DE CREDITO EDUCATIVO Condiciones Linea de Crédito Propios SubLínea de Crédito Tú Eliges 30% Programa académico INGENIERIA CIVIL Institución educativa UNIVERSIDAD DE MEDELLIN Valor Semestre $6,000,000.00 Catidad de semestres a financiar 10 Valor a financiar total $74,599,944.00 Núnero de cuotas época de estudios 60 Número de cuotas época de amortización 90 Valor cuota época de amortización $1,584,982.00 Valor cuota época de estudios promedio $392,018.53 Saldo total a cancelar $166,169,440.00 Aplica periodo de gracia Si, del mes 61 hasta el 66 Forma de pago etapa estudio 30.0% Forma de pago etapa final de amortización 70.0% Plazo de Gracia Si, del mes 61 hasta el 66 meses Tasa de interés variable IPC+9.0% Tasa de interés corriente: 17.28% Tasa de interés mensual 1.44% Número de cuotas Meses 150 Intereses(Périodo de estudio + gracia) $27,460,416.00 Tabla de amortización Mes Giros Período Program de ados Gracia Paso al Cobro Período Saldo Amortiza Inicial ción LP Intereses Periodo de Estudios Intereses Periodo Giro LP amortiza ción Cuota LP Abono a K LP Pago i en Condona período Saldo ción por Amortiza Saldo de Final LP graduaci ción CP Inicial CP estudio ón Intereses Giro CP CP Cuota CP Abono a K CP Saldo Saldo Final CP Total Final Tasa Flujo Flujo Desembo Pagos Estudian lsos te Intereses pagados Subsidio Estudian de tasa te Tabla de amortización + Gracia $4,200,0 $0.00 00.00 $0.00 $60,466. $4,200,0 $0.00 41 00.00 6 $1,800,0 $25,914. $1,800,0 $315,296 $289,382 $1,510,6 $5,710,6 1.44% 00.12 18 00.12 .69 .53 17.62 17.50 $6,000,0 $375,763 $86,380. $0.00 00.00 .09 58 $4,200,0 $60,466. $0.00 00.00 41 $0.00 $0.00 $0.00 $60,466. $4,200,0 $0.00 41 00.00 5 $1,510,6 $21,748. $0.00 17.62 00 $315,296 $293,548 $1,217,0 $5,417,0 1.44% .69 .69 68.88 69.00 $0.00 $375,763 $82,214. $0.00 .09 41 No $4,200,0 $60,466. $0.00 00.00 41 $0.00 $0.00 $0.00 $60,466. $4,200,0 $0.00 41 00.00 4 $1,217,0 $17,521. $0.00 68.88 85 $315,296 $297,774 $919,294 $5,119,2 1.44% .59 .75 .12 94.00 $0.00 $375,763 $77,988. $0.00 .00 26 No No $4,200,0 $60,466. $0.00 00.00 41 $0.00 $0.00 $0.00 $60,466. $4,200,0 $0.00 41 00.00 3 $919,294 $13,234. $0.00 .12 86 $315,296 $302,061 $617,232 $4,817,2 1.44% .69 .84 .31 32.50 $0.00 $375,763 $73,701. $0.00 .09 27 No No No $4,200,0 $60,466. $0.00 00.00 41 $0.00 $0.00 $0.00 $60,466. $4,200,0 $0.00 41 00.00 2 $617,232 $8,886.1 $0.00 .31 5 $315,296 $306,410 $310,821 $4,510,8 1.44% .59 .44 .88 22.00 $0.00 $375,763 $69,352. $0.00 .00 55 No No No No $4,200,0 $60,466. $0.00 00.00 41 $0.00 $0.00 $0.00 $60,466. $4,200,0 $0.00 41 00.00 1 $310,821 $4,474.8 $0.00 .88 3 $315,296 $310,821 $-0.01 .69 .88 $0.00 $375,763 $64,941. $0.00 .09 23 7 Si No No No $4,200,0 $120,932 $0.00 00.00 .81 $4,200,0 $0.00 00.00 $0.00 $120,932 $8,400,0 $0.00 .81 00.00 6 $1,800,0 $25,914. $1,800,0 $315,296 $289,382 $1,510,6 $9,910,6 1.44% 00.12 18 00.12 .69 .53 17.62 18.00 $6,000,0 $436,229 $146,846 $0.00 00.00 .50 .98 8 No No No No $8,400,0 $120,932 $0.00 00.00 .81 $0.00 $0.00 $0.00 $120,932 $8,400,0 $0.00 .81 00.00 5 $1,510,6 $21,748. $0.00 17.62 00 $315,296 $293,548 $1,217,0 $9,617,0 1.44% .69 .69 68.88 69.00 $0.00 $436,229 $142,680 $0.00 .50 .81 9 No No No No $8,400,0 $120,932 $0.00 00.00 .81 $0.00 $0.00 $0.00 $120,932 $8,400,0 $0.00 .81 00.00 4 $1,217,0 $17,521. $0.00 68.88 85 $315,296 $297,774 $919,294 $9,319,2 1.44% .59 .75 .12 94.00 $0.00 $436,229 $138,454 $0.00 .41 .67 10 No No No No $8,400,0 $120,932 $0.00 00.00 .81 $0.00 $0.00 $0.00 $120,932 $8,400,0 $0.00 .81 00.00 3 $919,294 $13,234. $0.00 .12 86 $315,296 $302,061 $617,232 $9,017,2 1.44% .69 .84 .31 32.00 $0.00 $436,229 $134,167 $0.00 .50 .67 11 No No No No $8,400,0 $120,932 $0.00 00.00 .81 $0.00 $0.00 $0.00 $120,932 $8,400,0 $0.00 .81 00.00 2 $617,232 $8,886.1 $0.00 .31 5 $315,296 $306,410 $310,821 $8,710,8 1.44% .59 .44 .84 22.00 $0.00 $436,229 $129,818 $0.00 .41 .96 12 No No No No $8,400,0 $120,932 $0.00 00.00 .81 $0.00 $0.00 $0.00 $120,932 $8,400,0 $0.00 .81 00.00 1 $310,821 $4,474.8 $0.00 .84 3 $315,296 $310,821 $-0.02 .69 .88 $0.00 $436,229 $125,407 $0.00 .50 .64 13 Si No No No $8,400,0 $187,996 $0.00 00.00 .09 $4,658,2 $0.00 20.00 $0.00 $187,996 $13,058, $0.00 .09 220.00 6 $1,996,3 $28,741. $1,996,3 $349,695 $320,954 $1,675,4 $14,733, 1.44% 80.12 41 80.12 .50 .09 26.00 646.00 $6,654,6 $537,691 $216,737 $0.00 00.00 .62 .50 14 No No No No $13,058, $187,996 $0.00 220.00 .09 $0.00 $0.00 $0.00 $187,996 $13,058, $0.00 .09 220.00 5 $1,675,4 $24,120. $0.00 26.00 71 $349,695 $325,574 $1,349,8 $14,408, 1.44% .50 .78 51.25 071.00 $0.00 $537,691 $212,116 $0.00 .62 .81 15 No No No No $13,058, $187,996 $0.00 220.00 .09 $0.00 $0.00 $0.00 $187,996 $13,058, $0.00 .09 220.00 4 $1,349,8 $19,433. $0.00 51.25 49 $349,695 $330,262 $1,019,5 $14,077, 1.44% .50 .00 89.19 809.00 $0.00 $537,691 $207,429 $0.00 .62 .58 16 No No No No $13,058, $187,996 $0.00 220.00 .09 $0.00 $0.00 $0.00 $187,996 $13,058, $0.00 .09 220.00 3 $1,019,5 $14,678. $0.00 89.19 78 $349,695 $335,016 $684,572 $13,742, 1.44% .50 .72 .50 792.00 $0.00 $537,691 $202,674 $0.00 .62 .88 17 No No No No $13,058, $187,996 $0.00 220.00 .09 $0.00 $0.00 $0.00 $187,996 $13,058, $0.00 .09 220.00 2 $684,572 $9,855.6 $0.00 .50 3 $349,695 $339,839 $344,732 $13,402, 1.44% .59 .97 .53 953.00 $0.00 $537,691 $197,851 $0.00 .69 .72 18 No No No No $13,058, $187,996 $0.00 220.00 .09 $0.00 $0.00 $0.00 $187,996 $13,058, $0.00 .09 220.00 1 $344,732 $4,963.0 $0.00 .53 3 $349,695 $344,732 $0.05 .50 .47 $0.00 $537,691 $192,959 $0.00 .62 .12 19 Si No No No $13,058, $255,059 $0.00 220.00 .38 $4,658,2 $0.00 20.00 $0.00 $255,059 $17,716, $0.00 .38 440.00 6 $1,996,3 $28,741. $1,996,3 $349,695 $320,954 $1,675,4 $19,391, 1.44% 80.12 41 80.12 .50 .09 26.12 866.00 $6,654,6 $604,754 $283,800 $0.00 00.00 .88 .78 20 No No No No $17,716, $255,059 $0.00 440.00 .38 $0.00 $0.00 $0.00 $255,059 $17,716, $0.00 .38 440.00 5 $1,675,4 $24,120. $0.00 26.12 71 $349,695 $325,574 $1,349,8 $19,066, 1.44% .50 .78 51.25 292.00 $0.00 $604,754 $279,180 $0.00 .88 .09 21 No No No No $17,716, $255,059 $0.00 440.00 .38 $0.00 $0.00 $0.00 $255,059 $17,716, $0.00 .38 440.00 4 $1,349,8 $19,433. $0.00 51.25 49 $349,695 $330,262 $1,019,5 $18,736, 1.44% .59 .12 89.19 030.00 $0.00 $604,755 $274,492 $0.00 .00 .88 22 No No No No $17,716, $255,059 $0.00 440.00 .38 $0.00 $0.00 $0.00 $255,059 $17,716, $0.00 .38 440.00 3 $1,019,5 $14,678. $0.00 89.19 78 $349,695 $335,016 $684,572 $18,401, 1.44% .50 .72 .44 012.00 $0.00 $604,754 $269,738 $0.00 .88 .16 23 No No No No $17,716, $255,059 $0.00 440.00 .38 $0.00 $0.00 $0.00 $255,059 $17,716, $0.00 .38 440.00 2 $684,572 $9,855.6 $0.00 .44 3 $349,695 $339,839 $344,732 $18,061, 1.44% .59 .97 .47 172.00 $0.00 $604,755 $264,915 $0.00 .00 .00 24 No No No No $17,716, $255,059 $0.00 440.00 .38 $0.00 $0.00 $0.00 $255,059 $17,716, $0.00 .38 440.00 1 $344,732 $4,963.0 $0.00 .47 3 $349,695 $344,732 $0.01 .50 .47 $0.00 $604,754 $260,022 $0.00 .88 .41 25 Si No No No $17,716, $329,439 $0.00 440.00 .28 $5,166,4 $0.00 31.50 $0.00 $329,439 $22,882, $0.00 .28 872.00 6 $2,214,1 $31,877. $2,214,1 $387,847 $355,970 $1,858,2 $24,741, 1.44% 85.25 10 85.25 .31 .19 15.00 086.00 $7,380,6 $717,286 $361,316 $0.00 17.00 .56 .38 26 No No No No $22,882, $329,439 $0.00 872.00 .28 $0.00 $0.00 $0.00 $329,439 $22,882, $0.00 .28 872.00 5 $1,858,2 $26,752. $0.00 15.00 28 $387,847 $361,095 $1,497,1 $24,379, 1.44% .31 .03 20.00 992.00 $0.00 $717,286 $356,191 $0.00 .56 .56 27 No No No No $22,882, $329,439 $0.00 872.00 .28 $0.00 $0.00 $0.00 $329,439 $22,882, $0.00 .28 872.00 4 $1,497,1 $21,553. $0.00 20.00 68 $387,847 $366,293 $1,130,8 $24,013, 1.44% .31 .62 26.38 698.00 $0.00 $717,286 $350,992 $0.00 .56 .97 28 No No No No $22,882, $329,439 $0.00 872.00 .28 $0.00 $0.00 $0.00 $329,439 $22,882, $0.00 .28 872.00 3 $1,130,8 $16,280. $0.00 26.38 24 $387,847 $371,567 $759,259 $23,642, 1.44% .31 .06 .25 132.00 $0.00 $717,286 $345,719 $0.00 .56 .53 29 No No No No $22,882, $329,439 $0.00 872.00 .28 $0.00 $0.00 $0.00 $329,439 $22,882, $0.00 .28 872.00 2 $759,259 $10,930. $0.00 .25 88 $387,847 $376,916 $382,342 $23,265, 1.44% .31 .44 .84 214.00 $0.00 $717,286 $340,370 $0.00 .56 .16 30 No No No No $22,882, $329,439 $0.00 872.00 .28 $0.00 $0.00 $0.00 $329,439 $22,882, $0.00 .28 872.00 1 $382,342 $5,504.5 $0.00 .84 0 $387,847 $382,342 $0.04 .31 .81 $0.00 $717,286 $334,943 $0.00 .56 .78 31 Si No No No $22,882, $403,819 $0.00 872.00 .16 $5,166,4 $0.00 31.50 $0.00 $403,819 $28,049, $0.00 .16 304.00 6 $2,214,1 $31,877. $2,214,1 $387,847 $355,970 $1,858,2 $29,907, 1.44% 85.25 10 85.25 .31 .19 15.00 518.00 $7,380,6 $791,666 $435,696 $0.00 17.00 .44 .25 32 No No No No $28,049, $403,819 $0.00 304.00 .16 $0.00 $0.00 $403,819 $28,049, $0.00 .16 304.00 5 $1,858,2 $26,752. $0.00 15.00 28 $0.00 1 Si No No No $0.00 2 No No No No 3 No No No 4 No No 5 No 6 $60,466. $0.00 41 $0.00 $4,200,0 1.44% 00.00 $8,400,0 1.44% 00.00 $13,058, 1.44% 220.00 $17,716, 1.44% 440.00 $22,882, 1.44% 872.00 $387,847 $361,095 $1,497,1 $29,546, 1.44% .31 .03 20.00 424.00 $791,666 $430,571 $0.00 .44 .44 Tabla de amortización 33 No No No No $28,049, $403,819 $0.00 304.00 .16 $0.00 $0.00 $0.00 $403,819 $28,049, $0.00 .16 304.00 4 $1,497,1 $21,553. $0.00 20.00 68 $387,847 $366,293 $1,130,8 $29,180, 1.44% .31 .62 26.38 130.00 $0.00 $791,666 $425,372 $0.00 .44 .84 34 No No No No $28,049, $403,819 $0.00 304.00 .16 $0.00 $0.00 $0.00 $403,819 $28,049, $0.00 .16 304.00 3 $1,130,8 $16,280. $0.00 26.38 24 $387,847 $371,567 $759,259 $28,808, 1.44% .31 .06 .31 564.00 $0.00 $791,666 $420,099 $0.00 .44 .41 35 No No No No $28,049, $403,819 $0.00 304.00 .16 $0.00 $0.00 $0.00 $403,819 $28,049, $0.00 .16 304.00 2 $759,259 $10,930. $0.00 .31 88 $387,847 $376,916 $382,342 $28,431, 1.44% .31 .44 .88 646.00 $0.00 $791,666 $414,750 $0.00 .44 .03 36 No No No No $28,049, $403,819 $0.00 304.00 .16 $0.00 $0.00 $0.00 $403,819 $28,049, $0.00 .16 304.00 1 $382,342 $5,504.5 $0.00 .88 0 $387,847 $382,342 $-0.04 .41 .91 $0.00 $791,666 $409,323 $0.00 .56 .66 37 Si No No No $28,049, $486,313 $0.00 304.00 .88 $5,730,0 $0.00 89.50 $0.00 $486,313 $33,779, $0.00 .88 396.00 6 $2,455,7 $35,354. $2,455,7 $430,161 $394,806 $2,060,9 $35,840, 1.44% 52.75 89 52.75 .41 .50 46.12 344.00 $8,185,8 $916,475 $521,668 $0.00 42.00 .25 .75 38 No No No No $33,779, $486,313 $0.00 396.00 .88 $0.00 $0.00 $0.00 $486,313 $33,779, $0.00 .88 396.00 5 $2,060,9 $29,670. $0.00 46.12 95 $430,161 $400,490 $1,660,4 $35,439, 1.44% .41 .44 55.75 852.00 $0.00 $916,475 $515,984 $0.00 .25 .84 39 No No No No $33,779, $486,313 $0.00 396.00 .88 $0.00 $0.00 $0.00 $486,313 $33,779, $0.00 .88 396.00 4 $1,660,4 $23,905. $0.00 55.75 19 $430,161 $406,256 $1,254,1 $35,033, 1.44% .41 .22 99.50 596.00 $0.00 $916,475 $510,219 $0.00 .25 .06 40 No No No No $33,779, $486,313 $0.00 396.00 .88 $0.00 $0.00 $0.00 $486,313 $33,779, $0.00 .88 396.00 3 $1,254,1 $18,056. $0.00 99.50 41 $430,161 $412,105 $842,094 $34,621, 1.44% .50 .09 .44 492.00 $0.00 $916,475 $504,370 $0.00 .38 .28 41 No No No No $33,779, $486,313 $0.00 396.00 .88 $0.00 $0.00 $0.00 $486,313 $33,779, $0.00 .88 396.00 2 $842,094 $12,123. $0.00 .44 43 $430,161 $418,037 $424,056 $34,203, 1.44% .41 .97 .44 452.00 $0.00 $916,475 $498,437 $0.00 .25 .31 42 No No No No $33,779, $486,313 $0.00 396.00 .88 $0.00 $0.00 $0.00 $486,313 $33,779, $0.00 .88 396.00 1 $424,056 $6,105.0 $0.00 .44 4 $430,161 $424,056 $-0.01 .50 .47 $0.00 $916,475 $492,418 $0.00 .38 .91 43 Si No No No $33,779, $568,808 $0.00 396.00 .62 $5,730,0 $0.00 89.50 $0.00 $568,808 $39,509, $0.00 .62 484.00 6 $2,455,7 $35,354. $2,455,7 $430,161 $394,806 $2,060,9 $41,570, 1.44% 52.75 89 52.75 .41 .50 46.25 432.00 $8,185,8 $998,970 $604,163 $0.00 42.00 .00 .50 44 No No No No $39,509, $568,808 $0.00 484.00 .62 $0.00 $0.00 $0.00 $568,808 $39,509, $0.00 .62 484.00 5 $2,060,9 $29,670. $0.00 46.25 95 $430,161 $400,490 $1,660,4 $41,169, 1.44% .41 .44 55.75 940.00 $0.00 $998,970 $598,479 $0.00 .00 .56 45 No No No No $39,509, $568,808 $0.00 484.00 .62 $0.00 $0.00 $0.00 $568,808 $39,509, $0.00 .62 484.00 4 $1,660,4 $23,905. $0.00 55.75 19 $430,161 $406,256 $1,254,1 $40,763, 1.44% .50 .31 99.38 684.00 $0.00 $998,970 $592,713 $0.00 .12 .81 46 No No No No $39,509, $568,808 $0.00 484.00 .62 $0.00 $0.00 $0.00 $568,808 $39,509, $0.00 .62 484.00 3 $1,254,1 $18,056. $0.00 99.38 41 $430,161 $412,105 $842,094 $40,351, 1.44% .41 .00 .44 580.00 $0.00 $998,970 $586,865 $0.00 .00 .06 47 No No No No $39,509, $568,808 $0.00 484.00 .62 $0.00 $0.00 $0.00 $568,808 $39,509, $0.00 .62 484.00 2 $842,094 $12,123. $0.00 .44 43 $430,161 $418,038 $424,056 $39,933, 1.44% .50 .06 .38 540.00 $0.00 $998,970 $580,932 $0.00 .12 .06 48 No No No No $39,509, $568,808 $0.00 484.00 .62 $0.00 $0.00 $0.00 $568,808 $39,509, $0.00 .62 484.00 1 $424,056 $6,105.0 $0.00 .38 4 $430,161 $424,056 $0.02 .41 .38 $0.00 $998,970 $574,913 $0.00 .00 .69 49 Si No No No $39,509, $660,303 $0.00 484.00 .50 $6,355,2 $0.00 42.00 $0.00 $660,303 $45,864, $0.00 .50 728.00 6 $2,723,6 $39,212. $2,723,6 $477,092 $437,879 $2,285,7 $48,150, 1.44% 75.25 11 75.25 .00 .91 95.50 524.00 $9,078,9 $1,137,3 $699,515 $0.00 17.00 95.50 .62 50 No No No No $45,864, $660,303 $0.00 728.00 .50 $0.00 $0.00 $0.00 $660,303 $45,864, $0.00 .50 728.00 5 $2,285,7 $32,908. $0.00 95.50 05 $477,092 $444,184 $1,841,6 $47,706, 1.44% .09 .03 11.38 340.00 $0.00 $1,137,3 $693,211 $0.00 95.62 .56 51 No No No No $45,864, $660,303 $0.00 728.00 .50 $0.00 $0.00 $0.00 $660,303 $45,864, $0.00 .50 728.00 4 $1,841,6 $26,513. $0.00 11.38 24 $477,092 $450,578 $1,391,0 $47,255, 1.44% .00 .75 32.62 760.00 $0.00 $1,137,3 $686,816 $0.00 95.50 .75 52 No No No No $45,864, $660,303 $0.00 728.00 .50 $0.00 $0.00 $0.00 $660,303 $45,864, $0.00 .50 728.00 3 $1,391,0 $20,026. $0.00 32.62 37 $477,092 $457,065 $933,966 $46,798, 1.44% .09 .72 .88 696.00 $0.00 $1,137,3 $680,329 $0.00 95.62 .88 53 No No No No $45,864, $660,303 $0.00 728.00 .50 $0.00 $0.00 $0.00 $660,303 $45,864, $0.00 .50 728.00 2 $933,966 $13,446. $0.00 .88 10 $477,092 $463,645 $470,321 $46,335, 1.44% .00 .91 .00 048.00 $0.00 $1,137,3 $673,749 $0.00 95.50 .62 54 No No No No $45,864, $660,303 $0.00 728.00 .50 $0.00 $0.00 $0.00 $660,303 $45,864, $0.00 .50 728.00 1 $470,321 $6,771.1 $0.00 .00 0 $477,092 $470,321 $-0.01 .09 .00 $0.00 $1,137,3 $667,074 $0.00 95.62 .62 55 Si No No No $45,864, $751,798 $0.00 728.00 .38 $6,355,2 $0.00 42.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 6 $2,723,6 $39,212. $2,723,6 $477,092 $437,879 $2,285,7 $54,505, 1.44% 75.25 11 75.25 .00 .91 95.50 764.00 $9,078,9 $1,228,8 $791,010 $0.00 17.00 90.38 .50 56 No No No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 5 $2,285,7 $32,908. $0.00 95.50 05 $477,092 $444,184 $1,841,6 $54,061, 1.44% .09 .03 11.38 580.00 $0.00 $1,228,8 $784,706 $0.00 90.50 .44 57 No No No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 4 $1,841,6 $26,513. $0.00 11.38 24 $477,092 $450,578 $1,391,0 $53,611, 1.44% .00 .75 32.62 000.00 $0.00 $1,228,8 $778,311 $0.00 90.38 .62 58 No No No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 3 $1,391,0 $20,026. $0.00 32.62 37 $477,092 $457,065 $933,966 $53,153, 1.44% .09 .72 .88 936.00 $0.00 $1,228,8 $771,824 $0.00 90.50 .75 59 No No No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 2 $933,966 $13,446. $0.00 .88 10 $477,092 $463,645 $470,320 $52,690, 1.44% .00 .91 .94 288.00 $0.00 $1,228,8 $765,244 $0.00 90.38 .50 60 No No No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 1 $470,320 $6,771.1 $0.00 .94 0 $477,092 $470,321 $-0.05 .09 .00 $52,219, 1.44% 968.00 $0.00 $1,228,8 $758,569 $0.00 90.50 .50 61 No Si No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $52,219, 1.44% 968.00 $0.00 $751,798 $751,798 $0.00 .38 .38 62 No Si No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $52,219, 1.44% 968.00 $0.00 $751,798 $751,798 $0.00 .38 .38 63 No Si No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $52,219, 1.44% 968.00 $0.00 $751,798 $751,798 $0.00 .38 .38 64 No Si No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $52,219, 1.44% 968.00 $0.00 $751,798 $751,798 $0.00 .38 .38 $28,049, 1.44% 304.00 $33,779, 1.44% 396.00 $39,509, 1.44% 484.00 $45,864, 1.44% 728.00 Tabla de amortización 65 No Si No No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $52,219, 1.44% 968.00 $0.00 $751,798 $751,798 $0.00 .38 .38 66 No Si Si No $52,219, $751,798 $0.00 968.00 .38 $0.00 $0.00 $0.00 $751,798 $52,219, $0.00 .38 968.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $52,219, 1.44% 968.00 $0.00 $751,798 $751,798 $0.00 .38 .38 67 No No No Si $79,680, $0.00 384.00 $1,147,1 $0.00 39.62 $1,584,9 $437,841 $0.00 81.00 .41 $79,242, $0.00 544.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $79,242, 1.44% 544.00 $0.00 $1,584,9 $1,147,1 $0.00 81.00 39.62 68 No No No Si $79,242, $0.00 544.00 $1,140,8 $0.00 36.12 $1,584,9 $444,144 $0.00 81.00 .91 $78,798, $0.00 400.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.05 $78,798, 1.44% 400.00 $0.00 $1,584,9 $1,140,8 $0.00 81.00 36.12 69 No No No Si $78,798, $0.00 400.00 $1,134,4 $0.00 41.88 $1,584,9 $450,539 $0.00 81.00 .16 $78,347, $0.00 856.00 0 $-0.05 $-0.00 $0.00 $0.00 $0.00 $-0.06 $78,347, 1.44% 856.00 $0.00 $1,584,9 $1,134,4 $0.00 81.00 41.88 70 No No No Si $78,347, $0.00 856.00 $1,127,9 $0.00 55.50 $1,584,9 $457,025 $0.00 81.00 .47 $77,890, $0.00 832.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $77,890, 1.44% 832.00 $0.00 $1,584,9 $1,127,9 $0.00 81.00 55.50 71 No No No Si $77,890, $0.00 832.00 $1,121,3 $0.00 75.88 $1,584,9 $463,605 $0.00 81.00 .16 $77,427, $0.00 224.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $77,427, 1.44% 224.00 $0.00 $1,584,9 $1,121,3 $0.00 81.00 75.88 72 No No No Si $77,427, $0.00 224.00 $1,114,7 $0.00 01.38 $1,584,9 $470,279 $0.00 81.00 .56 $76,956, $0.00 944.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $76,956, 1.44% 944.00 $0.00 $1,584,9 $1,114,7 $0.00 81.00 01.38 73 No No No Si $76,956, $0.00 944.00 $1,107,9 $0.00 30.88 $1,584,9 $477,050 $0.00 81.00 .06 $76,479, $0.00 896.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $76,479, 1.44% 896.00 $0.00 $1,584,9 $1,107,9 $0.00 81.00 30.88 74 No No No Si $76,479, $0.00 896.00 $1,101,0 $0.00 63.00 $1,584,9 $483,918 $0.00 81.00 .03 $75,995, $0.00 976.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $75,995, 1.44% 976.00 $0.00 $1,584,9 $1,101,0 $0.00 81.00 63.00 75 No No No Si $75,995, $0.00 976.00 $1,094,0 $0.00 96.12 $1,584,9 $490,885 $0.00 82.00 .91 $75,505, $0.00 096.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $75,505, 1.44% 096.00 $0.00 $1,584,9 $1,094,0 $0.00 82.00 96.12 76 No No No Si $75,505, $0.00 096.00 $1,087,0 $0.00 28.88 $1,584,9 $497,952 $0.00 81.00 .06 $75,007, $0.00 144.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $75,007, 1.44% 144.00 $0.00 $1,584,9 $1,087,0 $0.00 81.00 28.88 77 No No No Si $75,007, $0.00 144.00 $1,079,8 $0.00 60.00 $1,584,9 $505,121 $0.00 82.00 .97 $74,502, $0.00 016.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $74,502, 1.44% 016.00 $0.00 $1,584,9 $1,079,8 $0.00 82.00 60.00 78 No No No Si $74,502, $0.00 016.00 $1,072,5 $0.00 87.88 $1,584,9 $512,393 $0.00 81.00 .09 $73,989, $0.00 624.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $73,989, 1.44% 624.00 $0.00 $1,584,9 $1,072,5 $0.00 81.00 87.88 79 No No No Si $73,989, $0.00 624.00 $1,065,2 $0.00 11.12 $1,584,9 $519,770 $0.00 82.00 .88 $73,469, $0.00 856.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $73,469, 1.44% 856.00 $0.00 $1,584,9 $1,065,2 $0.00 82.00 11.12 80 No No No Si $73,469, $0.00 856.00 $1,057,7 $0.00 28.12 $1,584,9 $527,252 $0.00 81.00 .88 $72,942, $0.00 600.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.06 $72,942, 1.44% 600.00 $0.00 $1,584,9 $1,057,7 $0.00 81.00 28.12 81 No No No Si $72,942, $0.00 600.00 $1,050,1 $0.00 37.38 $1,584,9 $534,844 $0.00 82.00 .62 $72,407, $0.00 760.00 0 $-0.06 $-0.00 $0.00 $0.00 $0.00 $-0.07 $72,407, 1.44% 760.00 $0.00 $1,584,9 $1,050,1 $0.00 82.00 37.38 82 No No No Si $72,407, $0.00 760.00 $1,042,4 $0.00 37.31 $1,584,9 $542,543 $0.00 81.00 .69 $71,865, $0.00 216.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $71,865, 1.44% 216.00 $0.00 $1,584,9 $1,042,4 $0.00 81.00 37.31 83 No No No Si $71,865, $0.00 216.00 $1,034,6 $0.00 26.44 $1,584,9 $550,355 $0.00 82.00 .56 $71,314, $0.00 856.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $71,314, 1.44% 856.00 $0.00 $1,584,9 $1,034,6 $0.00 82.00 26.44 84 No No No Si $71,314, $0.00 856.00 $1,026,7 $0.00 03.12 $1,584,9 $558,277 $0.00 81.00 .88 $70,756, $0.00 584.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $70,756, 1.44% 584.00 $0.00 $1,584,9 $1,026,7 $0.00 81.00 03.12 85 No No No Si $70,756, $0.00 584.00 $1,018,6 $0.00 65.75 $1,584,9 $566,316 $0.00 82.00 .25 $70,190, $0.00 264.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $70,190, 1.44% 264.00 $0.00 $1,584,9 $1,018,6 $0.00 82.00 65.75 86 No No No Si $70,190, $0.00 264.00 $1,010,5 $0.00 12.62 $1,584,9 $574,468 $0.00 81.00 .38 $69,615, $0.00 800.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $69,615, 1.44% 800.00 $0.00 $1,584,9 $1,010,5 $0.00 81.00 12.62 87 No No No Si $69,615, $0.00 800.00 $1,002,2 $0.00 42.12 $1,584,9 $582,739 $0.00 82.00 .88 $69,033, $0.00 056.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $69,033, 1.44% 056.00 $0.00 $1,584,9 $1,002,2 $0.00 82.00 42.12 88 No No No Si $69,033, $0.00 056.00 $993,852 $0.00 .56 $1,584,9 $591,128 $0.00 81.00 .44 $68,441, $0.00 928.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $68,441, 1.44% 928.00 $0.00 $1,584,9 $993,852 $0.00 81.00 .56 89 No No No Si $68,441, $0.00 928.00 $985,342 $0.00 .19 $1,584,9 $599,639 $0.00 82.00 .81 $67,842, $0.00 288.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $67,842, 1.44% 288.00 $0.00 $1,584,9 $985,342 $0.00 82.00 .19 90 No No No Si $67,842, $0.00 288.00 $976,709 $0.00 .31 $1,584,9 $608,271 $0.00 81.00 .69 $67,234, $0.00 016.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.07 $67,234, 1.44% 016.00 $0.00 $1,584,9 $976,709 $0.00 81.00 .31 91 No No No Si $67,234, $0.00 016.00 $967,952 $0.00 .19 $1,584,9 $617,029 $0.00 82.00 .81 $66,616, $0.00 988.00 0 $-0.07 $-0.00 $0.00 $0.00 $0.00 $-0.08 $66,616, 1.44% 988.00 $0.00 $1,584,9 $967,952 $0.00 82.00 .19 92 No No No Si $66,616, $0.00 988.00 $959,068 $0.00 .94 $1,584,9 $625,912 $0.00 81.00 .06 $65,991, $0.00 076.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $65,991, 1.44% 076.00 $0.00 $1,584,9 $959,068 $0.00 81.00 .94 93 No No No Si $65,991, $0.00 076.00 $950,057 $0.00 .88 $1,584,9 $634,924 $0.00 82.00 .12 $65,356, $0.00 152.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $65,356, 1.44% 152.00 $0.00 $1,584,9 $950,057 $0.00 82.00 .88 94 No No No Si $65,356, $0.00 152.00 $940,917 $0.00 .00 $1,584,9 $644,064 $0.00 81.00 .00 $64,712, $0.00 088.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $64,712, 1.44% 088.00 $0.00 $1,584,9 $940,917 $0.00 81.00 .00 95 No No No Si $64,712, $0.00 088.00 $931,644 $0.00 .56 $1,584,9 $653,337 $0.00 82.00 .44 $64,058, $0.00 748.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $64,058, 1.44% 748.00 $0.00 $1,584,9 $931,644 $0.00 82.00 .56 96 No No No Si $64,058, $0.00 748.00 $922,238 $0.00 .62 $1,584,9 $662,742 $0.00 81.00 .38 $63,396, $0.00 008.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $63,396, 1.44% 008.00 $0.00 $1,584,9 $922,238 $0.00 81.00 .62 Tabla de amortización 97 No No No Si $63,396, $0.00 008.00 $912,697 $0.00 .31 $1,584,9 $672,284 $0.00 82.00 .69 $62,723, $0.00 724.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $62,723, 1.44% 720.00 $0.00 $1,584,9 $912,697 $0.00 82.00 .25 98 No No No Si $62,723, $0.00 724.00 $903,018 $0.00 .56 $1,584,9 $681,962 $0.00 81.00 .44 $62,041, $0.00 760.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $62,041, 1.44% 760.00 $0.00 $1,584,9 $903,018 $0.00 81.00 .56 99 No No No Si $62,041, $0.00 760.00 $893,200 $0.00 .50 $1,584,9 $691,781 $0.00 82.00 .50 $61,349, $0.00 980.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.08 $61,349, 1.44% 976.00 $0.00 $1,584,9 $893,200 $0.00 82.00 .50 100 No No No Si $61,349, $0.00 980.00 $883,241 $0.00 .06 $1,584,9 $701,739 $0.00 81.00 .94 $60,648, $0.00 240.00 0 $-0.08 $-0.00 $0.00 $0.00 $0.00 $-0.09 $60,648, 1.44% 240.00 $0.00 $1,584,9 $883,241 $0.00 81.00 .06 101 No No No Si $60,648, $0.00 240.00 $873,138 $0.00 .31 $1,584,9 $711,843 $0.00 82.00 .69 $59,936, $0.00 396.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $59,936, 1.44% 396.00 $0.00 $1,584,9 $873,138 $0.00 82.00 .31 102 No No No Si $59,936, $0.00 396.00 $862,890 $0.00 .06 $1,584,9 $722,090 $0.00 81.00 .94 $59,214, $0.00 304.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $59,214, 1.44% 304.00 $0.00 $1,584,9 $862,890 $0.00 81.00 .06 103 No No No Si $59,214, $0.00 304.00 $852,494 $0.00 .31 $1,584,9 $732,487 $0.00 82.00 .69 $58,481, $0.00 816.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $58,481, 1.44% 816.00 $0.00 $1,584,9 $852,494 $0.00 82.00 .31 104 No No No Si $58,481, $0.00 816.00 $841,948 $0.00 .81 $1,584,9 $743,032 $0.00 81.00 .19 $57,738, $0.00 784.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $57,738, 1.44% 784.00 $0.00 $1,584,9 $841,948 $0.00 81.00 .81 105 No No No Si $57,738, $0.00 784.00 $831,251 $0.00 .56 $1,584,9 $753,730 $0.00 82.00 .44 $56,985, $0.00 052.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $56,985, 1.44% 052.00 $0.00 $1,584,9 $831,251 $0.00 82.00 .56 106 No No No Si $56,985, $0.00 052.00 $820,400 $0.00 .31 $1,584,9 $764,580 $0.00 81.00 .69 $56,220, $0.00 472.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $56,220, 1.44% 472.00 $0.00 $1,584,9 $820,400 $0.00 81.00 .31 107 No No No Si $56,220, $0.00 472.00 $809,392 $0.00 .81 $1,584,9 $775,589 $0.00 82.00 .19 $55,444, $0.00 884.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.09 $55,444, 1.44% 884.00 $0.00 $1,584,9 $809,392 $0.00 82.00 .81 108 No No No Si $55,444, $0.00 884.00 $798,226 $0.00 .81 $1,584,9 $786,754 $0.00 81.00 .19 $54,658, $0.00 128.00 0 $-0.09 $-0.00 $0.00 $0.00 $0.00 $-0.10 $54,658, 1.44% 128.00 $0.00 $1,584,9 $798,226 $0.00 81.00 .81 109 No No No Si $54,658, $0.00 128.00 $786,900 $0.00 .12 $1,584,9 $798,081 $0.00 82.00 .88 $53,860, $0.00 048.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.10 $53,860, 1.44% 048.00 $0.00 $1,584,9 $786,900 $0.00 82.00 .12 110 No No No Si $53,860, $0.00 048.00 $775,410 $0.00 .31 $1,584,9 $809,570 $0.00 81.00 .69 $53,050, $0.00 476.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.10 $53,050, 1.44% 476.00 $0.00 $1,584,9 $775,410 $0.00 81.00 .31 111 No No No Si $53,050, $0.00 476.00 $763,755 $0.00 .12 $1,584,9 $821,226 $0.00 82.00 .88 $52,229, $0.00 248.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.10 $52,229, 1.44% 248.00 $0.00 $1,584,9 $763,755 $0.00 82.00 .12 112 No No No Si $52,229, $0.00 248.00 $751,932 $0.00 .12 $1,584,9 $833,048 $0.00 81.00 .88 $51,396, $0.00 200.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.10 $51,396, 1.44% 200.00 $0.00 $1,584,9 $751,932 $0.00 81.00 .12 113 No No No Si $51,396, $0.00 200.00 $739,938 $0.00 .94 $1,584,9 $845,043 $0.00 82.00 .06 $50,551, $0.00 156.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.10 $50,551, 1.44% 156.00 $0.00 $1,584,9 $739,938 $0.00 82.00 .94 114 No No No Si $50,551, $0.00 156.00 $727,773 $0.00 .06 $1,584,9 $857,207 $0.00 81.00 .94 $49,693, $0.00 948.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.10 $49,693, 1.44% 948.00 $0.00 $1,584,9 $727,773 $0.00 81.00 .06 115 No No No Si $49,693, $0.00 948.00 $715,432 $0.00 .00 $1,584,9 $869,550 $0.00 82.00 .00 $48,824, $0.00 400.00 0 $-0.10 $-0.00 $0.00 $0.00 $0.00 $-0.11 $48,824, 1.44% 400.00 $0.00 $1,584,9 $715,432 $0.00 82.00 .00 116 No No No Si $48,824, $0.00 400.00 $702,913 $0.00 .31 $1,584,9 $882,067 $0.00 81.00 .69 $47,942, $0.00 332.00 0 $-0.11 $-0.00 $0.00 $0.00 $0.00 $-0.11 $47,942, 1.44% 332.00 $0.00 $1,584,9 $702,913 $0.00 81.00 .31 117 No No No Si $47,942, $0.00 332.00 $690,214 $0.00 .38 $1,584,9 $894,767 $0.00 82.00 .62 $47,047, $0.00 564.00 0 $-0.11 $-0.00 $0.00 $0.00 $0.00 $-0.11 $47,047, 1.44% 564.00 $0.00 $1,584,9 $690,214 $0.00 82.00 .38 118 No No No Si $47,047, $0.00 564.00 $677,332 $0.00 .62 $1,584,9 $907,648 $0.00 81.00 .38 $46,139, $0.00 916.00 0 $-0.11 $-0.00 $0.00 $0.00 $0.00 $-0.11 $46,139, 1.44% 916.00 $0.00 $1,584,9 $677,332 $0.00 81.00 .62 119 No No No Si $46,139, $0.00 916.00 $664,265 $0.00 .44 $1,584,9 $920,716 $0.00 82.00 .56 $45,219, $0.00 200.00 0 $-0.11 $-0.00 $0.00 $0.00 $0.00 $-0.11 $45,219, 1.44% 200.00 $0.00 $1,584,9 $664,265 $0.00 82.00 .44 120 No No No Si $45,219, $0.00 200.00 $651,010 $0.00 .12 $1,584,9 $933,970 $0.00 81.00 .88 $44,285, $0.00 228.00 0 $-0.11 $-0.00 $0.00 $0.00 $0.00 $-0.11 $44,285, 1.44% 228.00 $0.00 $1,584,9 $651,010 $0.00 81.00 .12 121 No No No Si $44,285, $0.00 228.00 $637,563 $0.00 .94 $1,584,9 $947,418 $0.00 82.00 .06 $43,337, $0.00 812.00 0 $-0.11 $-0.00 $0.00 $0.00 $0.00 $-0.12 $43,337, 1.44% 812.00 $0.00 $1,584,9 $637,563 $0.00 82.00 .94 122 No No No Si $43,337, $0.00 812.00 $623,924 $0.00 .19 $1,584,9 $961,056 $0.00 81.00 .81 $42,376, $0.00 752.00 0 $-0.12 $-0.00 $0.00 $0.00 $0.00 $-0.12 $42,376, 1.44% 752.00 $0.00 $1,584,9 $623,924 $0.00 81.00 .19 123 No No No Si $42,376, $0.00 752.00 $610,088 $0.00 .06 $1,584,9 $974,893 $0.00 82.00 .94 $41,401, $0.00 860.00 0 $-0.12 $-0.00 $0.00 $0.00 $0.00 $-0.12 $41,401, 1.44% 860.00 $0.00 $1,584,9 $610,088 $0.00 82.00 .06 124 No No No Si $41,401, $0.00 860.00 $596,052 $0.00 .75 $1,584,9 $988,928 $0.00 81.00 .25 $40,412, $0.00 932.00 0 $-0.12 $-0.00 $0.00 $0.00 $0.00 $-0.12 $40,412, 1.44% 932.00 $0.00 $1,584,9 $596,052 $0.00 81.00 .75 125 No No No Si $40,412, $0.00 932.00 $581,815 $0.00 .38 $1,584,9 $1,003,1 $0.00 82.00 66.62 $39,409, $0.00 764.00 0 $-0.12 $-0.00 $0.00 $0.00 $0.00 $-0.12 $39,409, 1.44% 764.00 $0.00 $1,584,9 $581,815 $0.00 82.00 .38 126 No No No Si $39,409, $0.00 764.00 $567,373 $0.00 .06 $1,584,9 $1,017,6 $0.00 81.00 07.94 $38,392, $0.00 156.00 0 $-0.12 $-0.00 $0.00 $0.00 $0.00 $-0.12 $38,392, 1.44% 156.00 $0.00 $1,584,9 $567,373 $0.00 81.00 .06 127 No No No Si $38,392, $0.00 156.00 $552,722 $0.00 .81 $1,584,9 $1,032,2 $0.00 82.00 59.19 $37,359, $0.00 900.00 0 $-0.12 $-0.00 $0.00 $0.00 $0.00 $-0.13 $37,359, 1.44% 896.00 $0.00 $1,584,9 $552,722 $0.00 82.00 .81 128 No No No Si $37,359, $0.00 900.00 $537,861 $0.00 .62 $1,584,9 $1,047,1 $0.00 81.00 19.38 $36,312, $0.00 780.00 0 $-0.13 $-0.00 $0.00 $0.00 $0.00 $-0.13 $36,312, 1.44% 780.00 $0.00 $1,584,9 $537,861 $0.00 81.00 .62 Tabla de amortización 129 No No No Si $36,312, $0.00 780.00 $522,786 $0.00 .47 $1,584,9 $1,062,1 $0.00 82.00 95.50 $35,250, $0.00 584.00 0 $-0.13 $-0.00 $0.00 $0.00 $0.00 $-0.13 $35,250, 1.44% 584.00 $0.00 $1,584,9 $522,786 $0.00 82.00 .47 130 No No No Si $35,250, $0.00 584.00 $507,494 $0.00 .28 $1,584,9 $1,077,4 $0.00 81.00 86.75 $34,173, $0.00 096.00 0 $-0.13 $-0.00 $0.00 $0.00 $0.00 $-0.13 $34,173, 1.44% 096.00 $0.00 $1,584,9 $507,494 $0.00 81.00 .28 131 No No No Si $34,173, $0.00 096.00 $491,981 $0.00 .97 $1,584,9 $1,093,0 $0.00 82.00 00.00 $33,080, $0.00 096.00 0 $-0.13 $-0.00 $0.00 $0.00 $0.00 $-0.13 $33,080, 1.44% 096.00 $0.00 $1,584,9 $491,981 $0.00 82.00 .97 132 No No No Si $33,080, $0.00 096.00 $476,246 $0.00 .31 $1,584,9 $1,108,7 $0.00 81.00 34.75 $31,971, $0.00 362.00 0 $-0.13 $-0.00 $0.00 $0.00 $0.00 $-0.14 $31,971, 1.44% 362.00 $0.00 $1,584,9 $476,246 $0.00 81.00 .31 133 No No No Si $31,971, $0.00 362.00 $460,284 $0.00 .12 $1,584,9 $1,124,6 $0.00 82.00 97.88 $30,846, $0.00 664.00 0 $-0.14 $-0.00 $0.00 $0.00 $0.00 $-0.14 $30,846, 1.44% 664.00 $0.00 $1,584,9 $460,284 $0.00 82.00 .12 134 No No No Si $30,846, $0.00 664.00 $444,092 $0.00 .09 $1,584,9 $1,140,8 $0.00 81.00 88.88 $29,705, $0.00 774.00 0 $-0.14 $-0.00 $0.00 $0.00 $0.00 $-0.14 $29,705, 1.44% 774.00 $0.00 $1,584,9 $444,092 $0.00 81.00 .09 135 No No No Si $29,705, $0.00 774.00 $427,667 $0.00 .00 $1,584,9 $1,157,3 $0.00 82.00 15.00 $28,548, $0.00 460.00 0 $-0.14 $-0.00 $0.00 $0.00 $0.00 $-0.14 $28,548, 1.44% 460.00 $0.00 $1,584,9 $427,667 $0.00 82.00 .00 136 No No No Si $28,548, $0.00 460.00 $411,005 $0.00 .41 $1,584,9 $1,173,9 $0.00 81.00 75.62 $27,374, $0.00 484.00 0 $-0.14 $-0.00 $0.00 $0.00 $0.00 $-0.14 $27,374, 1.44% 484.00 $0.00 $1,584,9 $411,005 $0.00 81.00 .41 137 No No No Si $27,374, $0.00 484.00 $394,103 $0.00 .97 $1,584,9 $1,190,8 $0.00 82.00 78.00 $26,183, $0.00 606.00 0 $-0.14 $-0.00 $0.00 $0.00 $0.00 $-0.15 $26,183, 1.44% 606.00 $0.00 $1,584,9 $394,103 $0.00 82.00 .97 138 No No No Si $26,183, $0.00 606.00 $376,959 $0.00 .19 $1,584,9 $1,208,0 $0.00 81.00 21.88 $24,975, $0.00 584.00 0 $-0.15 $-0.00 $0.00 $0.00 $0.00 $-0.15 $24,975, 1.44% 584.00 $0.00 $1,584,9 $376,959 $0.00 81.00 .16 139 No No No Si $24,975, $0.00 584.00 $359,567 $0.00 .56 $1,584,9 $1,225,4 $0.00 82.00 14.38 $23,750, $0.00 170.00 0 $-0.15 $-0.00 $0.00 $0.00 $0.00 $-0.15 $23,750, 1.44% 170.00 $0.00 $1,584,9 $359,567 $0.00 82.00 .56 140 No No No Si $23,750, $0.00 170.00 $341,925 $0.00 .56 $1,584,9 $1,243,0 $0.00 81.00 55.38 $22,507, $0.00 114.00 0 $-0.15 $-0.00 $0.00 $0.00 $0.00 $-0.15 $22,507, 1.44% 114.00 $0.00 $1,584,9 $341,925 $0.00 81.00 .56 141 No No No Si $22,507, $0.00 114.00 $324,029 $0.00 .59 $1,584,9 $1,260,9 $0.00 82.00 52.38 $21,246, $0.00 162.00 0 $-0.15 $-0.00 $0.00 $0.00 $0.00 $-0.15 $21,246, 1.44% 162.00 $0.00 $1,584,9 $324,029 $0.00 82.00 .59 142 No No No Si $21,246, $0.00 162.00 $305,875 $0.00 .97 $1,584,9 $1,279,1 $0.00 81.00 05.00 $19,967, $0.00 058.00 0 $-0.15 $-0.00 $0.00 $0.00 $0.00 $-0.16 $19,967, 1.44% 056.00 $0.00 $1,584,9 $305,875 $0.00 81.00 .97 143 No No No Si $19,967, $0.00 058.00 $287,461 $0.00 .00 $1,584,9 $1,297,5 $0.00 82.00 21.00 $18,669, $0.00 536.00 0 $-0.16 $-0.00 $0.00 $0.00 $0.00 $-0.16 $18,669, 1.44% 536.00 $0.00 $1,584,9 $287,461 $0.00 82.00 .00 144 No No No Si $18,669, $0.00 536.00 $268,780 $0.00 .88 $1,584,9 $1,316,2 $0.00 81.00 00.12 $17,353, $0.00 336.00 0 $-0.16 $-0.00 $0.00 $0.00 $0.00 $-0.16 $17,353, 1.44% 336.00 $0.00 $1,584,9 $268,780 $0.00 81.00 .88 145 No No No Si $17,353, $0.00 336.00 $249,831 $0.00 .86 $1,584,9 $1,335,1 $0.00 82.00 50.12 $16,018, $0.00 186.00 0 $-0.16 $-0.00 $0.00 $0.00 $0.00 $-0.16 $16,018, 1.44% 186.00 $0.00 $1,584,9 $249,831 $0.00 82.00 .86 146 No No No Si $16,018, $0.00 186.00 $230,610 $0.00 .03 $1,584,9 $1,354,3 $0.00 81.00 71.00 $14,663, $0.00 815.00 0 $-0.16 $-0.00 $0.00 $0.00 $0.00 $-0.17 $14,663, 1.44% 815.00 $0.00 $1,584,9 $230,610 $0.00 81.00 .02 147 No No No Si $14,663, $0.00 815.00 $211,111 $0.00 .47 $1,584,9 $1,373,8 $0.00 82.00 70.50 $13,289, $0.00 944.00 0 $-0.17 $-0.00 $0.00 $0.00 $0.00 $-0.17 $13,289, 1.44% 944.00 $0.00 $1,584,9 $211,111 $0.00 82.00 .47 148 No No No Si $13,289, $0.00 944.00 $191,332 $0.00 .17 $1,584,9 $1,393,6 $0.00 81.00 48.88 $11,896, $0.00 296.00 0 $-0.17 $-0.00 $0.00 $0.00 $0.00 $-0.17 $11,896, 1.44% 295.00 $0.00 $1,584,9 $191,332 $0.00 81.00 .17 149 No No No Si $11,896, $0.00 296.00 $171,268 $0.00 .14 $1,584,9 $1,413,7 $0.00 82.00 13.88 $10,482, $0.00 582.00 0 $-0.17 $-0.00 $0.00 $0.00 $0.00 $-0.17 $10,482, 1.44% 581.00 $0.00 $1,584,9 $171,268 $0.00 82.00 .14 150 No No No Si $10,482, $0.00 582.00 $150,915 $0.00 .25 $1,584,9 $1,434,0 $0.00 81.00 65.75 $9,048,5 $0.00 16.00 0 $-0.17 $-0.00 $0.00 $0.00 $0.00 $-0.18 $9,048,5 1.44% 16.00 $0.00 $1,584,9 $150,915 $0.00 81.00 .23 151 No No No Si $9,048,5 $0.00 16.00 $130,269 $0.00 .34 $1,584,9 $1,454,7 $0.00 81.00 11.62 $7,593,8 $0.00 04.50 0 $-0.18 $-0.00 $0.00 $0.00 $0.00 $-0.18 $7,593,8 1.44% 04.00 $0.00 $1,584,9 $130,269 $0.00 81.00 .34 152 No No No Si $7,593,8 $0.00 04.50 $109,326 $0.00 .20 $1,584,9 $1,475,6 $0.00 82.00 55.75 $6,118,1 $0.00 48.50 0 $-0.18 $-0.00 $0.00 $0.00 $0.00 $-0.18 $6,118,1 1.44% 48.50 $0.00 $1,584,9 $109,326 $0.00 82.00 .20 153 No No No Si $6,118,1 $0.00 48.50 $88,081. $0.00 53 $1,584,9 $1,496,9 $0.00 82.00 00.50 $4,621,2 $0.00 48.00 0 $-0.18 $-0.00 $0.00 $0.00 $0.00 $-0.18 $4,621,2 1.44% 48.00 $0.00 $1,584,9 $88,081. $0.00 82.00 53 154 No No No Si $4,621,2 $0.00 48.00 $66,531. $0.00 02 $1,584,9 $1,518,4 $0.00 81.00 50.00 $3,102,7 $0.00 98.00 0 $-0.18 $-0.00 $0.00 $0.00 $0.00 $-0.19 $3,102,7 1.44% 97.75 $0.00 $1,584,9 $66,531. $0.00 81.00 01 155 No No No Si $3,102,7 $0.00 98.00 $44,670. $0.00 25 $1,584,9 $1,540,3 $0.00 81.00 10.75 $1,562,4 $0.00 87.25 0 $-0.19 $-0.00 $0.00 $0.00 $0.00 $-0.19 $1,562,4 1.44% 87.00 $0.00 $1,584,9 $44,670. $0.00 81.00 25 156 No No No Si $1,562,4 $0.00 87.25 $22,494. $0.00 76 $1,584,9 $1,562,4 $0.00 82.00 87.25 $0.00 0 $-0.19 $-0.00 $0.00 $0.00 $0.00 $-0.19 $-0.19 $0.00 $1,584,9 $22,494. $0.00 82.00 76 $0.00 1.44% Apreciado aspirante: De acuerdo con la información que suministraste en el Formulario de Solicitud de Crédito Educativo, adjuntamos la información que arroja el simulador de crédito con una proyección estimada de la financiación a la que aspiras acceder. Es importante que sepas que la información suministrada en esta simulación te ofrece valores proyectados o aproximados. Por lo tanto, debes tenerlos en cuenta como referencia, y no como información final y definitiva, al momento de la liquidación total del tu crédito Ten en cuenta que el comportamiento de tu crédito educativo, está determinado por las condiciones de la línea que elijas, tu comportamiento de pagos y las condiciones descritas en el Reglamento de Crédito Educativo de la entidad, el cual puedes encontrar en el siguiente enlace: https://portal.icetex.gov.co/Portal/Home/el-icetex/biblioteca/reglamentodecredito El objetivo de este simulador es el de brindarte una información estimada del comportamiento del crédito educativo. Debes saber que el simulador no comprende costos asociados a dicho crédito como son los siguientes: -Aporte al Fondo de Invalidez y Muerte, que el estudiante debe pagar en cada período académico de acuerdo con el valor financiado y que corresponde a un 2% del valor de la matrícula. -Pago del estudio en centrales de riesgo, que se hace en el momento de solicitar el crédito para que sean evaluados los antecedentes crediticios del deudor solidario postulado. -Otros gastos que surgen como novedades por pagos no realizados o retrasos en estos, como son los intereses causados y no reembolsados en la etapa de estudios (si la línea contempla estos pagos en esta etapa) y los intereses de mora por presentarse días vencidos en la fecha del pago de la cuota. Al ser esta una simulación proyectada en el tiempo, debes también tener en cuenta que el monto total variará de acuerdo con: -El incremento del costo de la matrícula que determina la Institución de Educación Superior (IES) para cada período académico y que debe ser desembolsado semestralmente por ICETEX, -El Índice de Precios al Consumidor (IPC) definido cada año por el DANE. Recuerda que el IPC es el valor del dinero ajustado en el tiempo y que las tasas de interés de ICETEX están compuestas por el IPC más unos puntos porcentuales según la línea elegida, las cuales oscilan entre el IPC más 7 puntos y el IPC más 9 puntos máximo. -Además, en el caso de estudios en el exterior, es necesario que sepas que el costo del crédito también variará de acuerdo con la tasa de cambio de la moneda del país de destino al momento de los desembolsos, lo cual se refleja en la liquidación del crédito. -Así mismo, te indicamos que esta simulación no contempla situaciones relacionadas con tu comportamiento crediticio que tienen un impacto en el valor total del crédito como: las demoras en tus pagos, o los mecanismos de alivio financiero que solicites en caso de dificultades, como refinanciación, prórroga, aplazamiento o congelamiento de pagos. -Tampoco tiene en cuenta los períodos de gracia que llegues a solicitar o cualquier novedad que agilice el pago de tu financiación, como es el pago anticipado del valor parcial o total del crédito. El contenido de este documento y/o sus anexos, es de carácter confidencial y para tu uso exclusivo, sin la intención de que sea revelada o divulgada a otras personas. El acceso al contenido de esta comunicación por cualquier otra persona diferente no está autorizado por ICETEX y es objeto de sanción de acuerdo con las normas legales aplicables. El manejo de datos de información personal y crediticia que ingreses en este simulador será tratado de acuerdo con lo estipulado en la Política de tratamiento de datos personales (el cual puedes consultar en el sitio web de ICETEX www.icetex.gov.co o haciendo clic en el siguiente enlace: https://portal.icetex.gov.co/Portal/Home/atencion-al-ciudadano/politica-de-tratamiento-de-datos-personales-ICETEX/), en cumplimiento de la Ley 1581 de 2012, por la cual se dictan disposiciones para la protección de datos personales.