COTIZADORSIMULADOR PARA EL CALCULO DEL CATSEMANALCAT INICIALCAT REMANENTE PARA ESTADO DE CUENTASimulador semanal simplificadoSemana corte270RESULTADOS TABLA MODIFICADA (CAT)Tasa i18.41%AnualTasa inters credito12.00%Tasa inters credito0.00%22.77%MensualPlazo (semanas)52Plazo remanente (semanas)-21823.36%SemanalCrdito$100,000Saldo insoluto$(577,958)semana 270CAT18.41%AnualDeducciones$4,796Deducciones0.0cero25.30%MensualCrdito Neto95204Crdito Neto-57795826.24%SemanalPago del Crdito$2,043DATOS DEL CREDITO INICIALDATOS DEL CREDITO PARA EL CLCULO DEL CATSuma accesorios$14Pago con accesorios2057Pago con accesorios2057Tasa inters crdito neto23.36%Tasa inters crdito neto0.00%Valor de la Vivienda$150,000.00Valor de la Vivienda$150,000.00CAT26.24%CAT0.00%Crdito$100,000.00Crdito Neto$95,204.00MENSUALTasa de Interes Anual12.00%Tasa de Interes Anual18.41%CAT INICIALCAT REMANENTE PARA ESTADO DE CUENTAPlazo ( Semanas )52Plazo ( Aos )52Simulador semanal simplificadoMes corte70Meses12Suma TotalSuma TotalAos (1 ao = 52 semanas)1PagosPagosTasa inters credito0.00%Tasa inters credito0.00%Pagos del CreditoAnual$112,000112,000Pago del CreditoAnual$112,733112,733Plazo (semanas)12Plazo remanente (semanas)-58Mensual$8,885106,619Mensual$8,946107,351Semanal$2,043106,235Semanal$2,057106,968Crdito$100,000Saldo insoluto$(693,821)mes 70Deducciones$4,796Deducciones0.0ceroCrdito Neto95204Crdito Neto-693821TABLA DE AMORTIZACION MENSUALTABLA DE AMORTIZACION SEMANALTABLA DE AMORTIZACION MENSUAL CATTABLA DE AMORTIZACION SEMANALPago del Crdito$8,885Suma accesorios$61Pago con accesorios8946Pago con accesorios8946Tasa inters crdito neto22.77%Tasa inters crdito neto0.00%DEDUCCIONES AL CREDITOMODIFICACIONES AL PAGOCAT25.51%CAT0.00%Comision por Apertura3.0%$3,000.00*Seguro de Vida4.1Seguro de Desempleo0.096%$96.00*Seguro de Daos2.15Avaluo ( 0. 3% / Valor de Vivienda )0.3%$1,200.00*IVA0%Estudio Socioeconomico$500.00$500.00*Aumento en el pagoAnual$732.50Mensual$61.04Total de Deducciones$4,796.00Semanal$14.09* Factores Anuales por $1,000 de crdito

CAPTURARCAPTURARCAPTURARCAPTURARCAPTURARCAPTURARCAPTURARCAPTURARCAPTURARCAPTURARCAPTURARTABLA DE AMORTIZACION SEMANALTABLA DE AMORTIZACION MENSUALTABLA DE AMORTIZACION SEMANALTABLA DE AMORTIZACION MENSUAL CAT

ClculosCRDITO ORIGINALSemanalMensualAnualCRDITOS CON CARGOS Y PAGOS CON ACCESORIOSSemanalMensualAnualValor de la Vivienda$150,000Valor de la Vivienda$150,000Crdito$100,000Crdito Neto$95,204Tasa de Interes Anual0.2%1.0%12.0%Tasa de Interes Anual23.36%22.77%18.41%CAT26.24%25.30%18.41%Plazo52121Plazo52121Pagos del Credito$2,043$8,885$112,000Total Pago Integrado$2,057.1$8,945.9$112,732.5Suma total de pagos$106,235$106,619$112,000Suma total de pagos$106,968$107,351$112,733A.- Modificaciones al monto del crditoComision por Apertura3%$3,000Pago($2,057.07)($8,161.30)($95,541.09)Seguro de Desempleo0.1%$96Avaluo ( 0. 3% / Valor de Vivienda )0.3%$1,200$289.7$1,256.2$15,251.1Estudio Socioeconomico500$500Total de Deducciones4,796Crdito$100,000Deducciones-4,796CRDITO NETO$95,204B.- Modificaciones del pagoB.1.- SegurosSemanalMensualAnuala.- Factores al millar * crditoVida (crdito)0.07884615380.34166666674.1Daos (valor vivienda)0.04134615380.17916666672.15b.- CostoVida$7.88$34.17$410.00Daos$6.20$26.88$322.50Total pago seguros$14.09$61.04$732.50B.2- IVA0%AnualMensualSemanala.- Pago sin iva$2,043$8,885$112,000b.- Pago crdito con IVA$2,043.0$8,884.9$112,000.0Pago de IVA$0$0$0B.3.- Otros: comisin de administracinB.- Aumento en el pago$14.09$61.04$732.50Pago del Crdtio$2,043$8,885$112,000Aumento en el pago$14$61$733TOTAL PAGO INTEGRADO$2,057$8,946$112,733

1 TABLA ANUAL CRDITO ORIGINALCRDITO MODIFICADO PARA CLCULO DEL CATMonto del Crdito100,000Crdito Neto95,204Tasa Inters anual12.00%Tasa Inters anual18.41%Plazo (aos)1Plazo (aos)1Pago anual112,000Pago anual112,73312.00%18.41%PERIODO(AOS)SALDO INICIALPAGO ANUALINTERESESCAPITALSALDO FINALValor presente de los pagosSuma Valor presente de los pagosPERIODO(AOS)SALDO INICIALPAGO ANUALINTERESESCAPITALSALDO FINALValor presente de los pagosSuma Valor presente de los pagos1100,000112,00012,000100,0000100,000100,000195,204112,73317,52895,204095,20495,20420112,0000112,000-112,00089,286189,28620112,7330112,733-112,73380,401175,6053-112,000112,000-13,440125,440-237,44079,719269,0053-112,733112,733-20,756133,488-246,22167,900243,5054-237,440112,000-28,493140,493-377,93371,178340,1834-246,221112,733-45,333158,065-404,28657,342300,8475-377,933112,000-45,352157,352-535,28563,552403,7355-404,286112,733-74,435187,168-591,45448,426349,2736-535,285112,000-64,234176,234-711,51956,743460,4786-591,454112,733-108,896221,628-813,08240,896390,1697-711,519112,000-85,382197,382-908,90150,663511,1417-813,082112,733-149,701262,433-1,075,51534,538424,7078-908,901112,000-109,068221,068-1,129,96945,235556,3768-1,075,515112,733-198,019310,751-1,386,26729,167453,8749-1,129,969112,000-135,596247,596-1,377,56640,388596,7649-1,386,267112,733-255,233367,965-1,754,23224,632478,50610-1,377,566112,000-165,308277,308-1,654,87436,061632,82510-1,754,232112,733-322,981435,713-2,189,94520,802499,30911-1,654,874112,000-198,585310,585-1,965,45832,197665,02211-2,189,945112,733-403,202515,935-2,705,87917,568516,87612-1,965,458112,000-235,855347,855-2,313,31328,748693,77012-2,705,879112,733-498,193610,926-3,316,80514,836531,71213-2,313,313112,000-277,598389,598-2,702,91125,668719,43713-3,316,805112,733-610,674723,407-4,040,21212,529544,24214-2,702,911112,000-324,349436,349-3,139,26022,917742,35514-4,040,212112,733-743,864856,597-4,896,80910,581554,82315-3,139,260112,000-376,711488,711-3,627,97120,462762,81715-4,896,809112,733-901,5771,014,309-5,911,1188,936563,75916-3,627,971112,000-435,357547,357-4,175,32818,270781,08616-5,911,118112,733-1,088,3261,201,059-7,112,1777,547571,30517-4,175,328112,000-501,039613,039-4,788,36716,312797,39917-7,112,177112,733-1,309,4601,422,192-8,534,3696,373577,67918-4,788,367112,000-574,604686,604-5,474,97114,564811,96318-8,534,369112,733-1,571,3071,684,039-10,218,4095,382583,06119-5,474,971112,000-656,997768,997-6,243,96813,004824,96719-10,218,409112,733-1,881,3641,994,096-12,212,5054,545587,60620-6,243,968112,000-749,276861,276-7,105,2440824,96720-12,212,505112,733-2,248,5072,361,240-14,573,7453,839591,445

2 TABLA MENSUALCRDITO ORIGINALCRDITO MODIFICADO PARA CLCULO DEL CATMonto del Crdito100,000-8,885Crdito Neto95,204Tasa Inters anual12.00%Tasa Inters anual22.77%Plazo (meses)12Plazo (aos)1Pago mensual8,885Pago anual8,94612.00%22.77%PERIODO(MESES)SALDO INICIALPAGO MENSUALINTERESESCAPITALSALDO FINALValor presente de los pagosSuma Valor presente de los pagosPERIODO(MESES)SALDO INICIALPAGO ANUALINTERESESCAPITALSALDO FINALValor presente de los pagosSuma Valor presente de los pagos1100,0008,8851,0007,88592,1158,7978,797195,2048,9461,8077,13988,0658,7798,779292,1158,8859217,96484,1518,71017,507288,0658,9461,6717,27580,7908,61617,395384,1518,8858428,04376,1088,62426,130380,7908,9461,5337,41373,3778,45525,851476,1088,8857618,12467,9848,53834,668473,3778,9461,3927,55465,8238,29834,148567,9848,8856808,20559,7798,45443,122565,8238,9461,2497,69758,1278,14342,292659,7798,8855988,28751,4928,37051,492658,1278,9461,1037,84350,2847,99250,284751,4928,8855158,37043,1228,28759,779750,2848,9469547,99242,2927,84358,127843,1228,8854318,45434,6688,20567,984842,2928,9468038,14334,1487,69765,823934,6688,8853478,53826,1308,12476,108934,1488,9466488,29825,8517,55473,3771026,1308,8852618,62417,5078,04384,1511025,8518,9464918,45517,3957,41380,7901117,5078,8851758,7108,7977,96492,1151117,3958,9463308,6168,7797,27588,065128,7978,885888,79707,885100,000128,7798,9461678,77907,13995,2041308,88508,885-8,8857,807107,8071308,94608,946-8,9467,006102,21014-8,8858,885-898,974-17,8597,730115,53614-8,9468,946-1709,116-18,0626,876109,08615-17,8598,885-1799,063-26,9227,653123,18915-18,0628,946-3439,289-27,3506,748115,83416-26,9228,885-2699,154-36,0767,577130,76716-27,3508,946-5199,465-36,8156,622122,45617-36,0768,885-3619,246-45,3227,502138,26917-36,8158,946-6999,645-46,4606,499128,95518-45,3228,885-4539,338-54,6607,428145,69718-46,4608,946-8829,828-56,2876,378135,33319-54,6608,885-5479,431-64,0917,354153,05119-56,2878,946-1,06810,014-66,3016,259141,59220-64,0918,885-6419,526-73,6177,282160,33320-66,3018,946-1,25810,204-76,5056,143147,73521-73,6178,885-7369,621-83,2387,209167,54221-76,5058,946-1,45210,398-86,9036,028153,76322-83,2388,885-8329,717-92,9557,138174,68022-86,9038,946-1,64910,595-97,4985,916159,67923-92,9558,885-9309,814-102,7707,067181,74723-97,4988,946-1,85010,796-108,2945,806165,48524-102,7708,885-1,0289,913-112,6836,997188,74524-108,2948,946-2,05511,001-119,2955,698171,18225-112,6838,885-1,12710,012-122,6946,928195,67325-119,2958,946-2,26411,210-130,5045,592176,77426-122,6948,885-1,22710,112-132,8066,860202,53326-130,5048,946-2,47611,422-141,9275,487182,26127-132,8068,885-1,32810,213-143,0196,792209,32427-141,9278,946-2,69311,639-153,5665,385187,64628-143,0198,885-1,43010,315-153,3346,724216,04928-153,5668,946-2,91411,860-165,4265,285192,93129-153,3348,885-1,53310,418-163,7526,658222,70629-165,4268,946-3,13912,085-177,5115,186198,11830-163,7528,885-1,63810,522-174,2756,592229,29830-177,5118,946-3,36812,314-189,8255,090203,20831-174,2758,885-1,74310,628-184,9026,527235,82531-189,8258,946-3,60212,548-202,3734,995208,20332-184,9028,885-1,84910,734-195,6366,462242,28732-202,3738,946-3,84012,786-215,1594,902213,10533-195,6368,885-1,95610,841-206,4776,398248,68533-215,1598,946-4,08313,029-228,1884,811217,91634-206,4778,885-2,06510,950-217,4276,335255,02034-228,1888,946-4,33013,276-241,4644,721222,63735-217,4278,885-2,17411,059-228,4866,272261,29235-241,4648,946-4,58213,528-254,9924,633227,27036-228,4868,885-2,28511,170-239,6566,210267,50236-254,9928,946-4,83913,785-268,7764,547231,81737-239,6568,885-2,39711,281-250,9376,148273,65037-268,7768,946-5,10014,046-282,8234,462236,27938-250,9378,885-2,50911,394-262,3326,088279,73738-282,8238,946-5,36714,313-297,1354,379240,65939-262,3328,885-2,62311,508-273,8406,027285,76539-297,1358,946-5,63814,584-311,7204,298244,95640-273,8408,885-2,73811,623-285,4635,968291,73240-311,7208,946-5,91514,861-326,5814,218249,17441-285,4638,885-2,85511,740-297,2035,908297,64141-326,5818,946-6,19715,143-341,7244,139253,31342-297,2038,885-2,97211,857-309,0605,850303,49142-341,7248,946-6,48415,430-357,1544,062257,37543-309,0608,885-3,09111,975-321,0355,792309,28343-357,1548,946-6,77715,723-372,8773,986261,36144-321,0358,885-3,21012,095-333,1305,735315,01744-372,8778,946-7,07616,022-388,8993,912265,27445-333,1308,885-3,33112,216-345,3465,678320,69545-388,8998,946-7,38016,326-405,2243,839269,11346-345,3468,885-3,45312,338-357,6855,622326,31746-405,2248,946-7,68916,635-421,8603,768272,88147-357,6858,885-3,57712,462-370,1475,566331,88347-421,8608,946-8,00516,951-438,8113,698276,57848-370,1478,885-3,70112,586-382,7335,511337,39448-438,8118,946-8,32717,273-456,0833,629280,20749-382,7338,885-3,82712,712-395,4455,456342,85049-456,0838,946-8,65517,600-473,6843,561283,76850-395,4458,885-3,95412,839-408,2845,402348,25350-473,6848,946-8,98917,934-491,6183,495287,26351-408,2848,885-4,08312,968-421,2525,349353,60251-491,6188,946-9,32918,275-509,8933,430290,69352-421,2528,885-4,21313,097-434,3505,296358,89852-509,8938,946-9,67618,622-528,5153,366294,05953-434,3508,885-4,34313,228-447,5785,243364,14153-528,5158,946-10,02918,975-547,4903,303297,36254-447,5788,885-4,47613,361-460,9395,192369,33354-547,4908,946-10,38919,335-566,8253,242300,60455-460,9398,885-4,60913,494-474,4335,140374,47355-566,8258,946-10,75619,702-586,5263,181303,78556-474,4338,885-4,74413,629-488,0625,089379,56256-586,5268,946-11,13020,076-606,6023,122306,90757-488,0628,885-4,88113,765-501,8285,039384,60157-606,6028,946-11,51120,457-627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3 TABLA SEMANALCRDITO ORIGINALCRDITO MODIFICADO PARA CLCULO DEL CATMonto del Crdito100,000Crdito Neto95,204Tasa Inters anual12%Tasa Inters anual23.36%Plazo (semanas)52Plazo (aos)52Pago semanal2,043Pago semanal2,057PERIODOSALDO INICIALPAGO MENSUALINTERESESCAPITALSALDO FINALValor presente de los pagosSuma Valor presente de los pagosPERIODOSALDO INICIALPAGO ANUALINTERESESCAPITALSALDO FINALValor presente de los pagosSuma Valor presente de los pagos1100,0002,0432311,81298,1882,0382,038195,2042,0574281,62993,5752,0482,048298,1882,0432271,81696,3712,0344,072293,5752,0574201,63791,9382,0394,087396,3712,0432221,82194,5512,0296,101391,9382,0574131,64490,2942,0306,116494,5512,0432181,82592,7262,0248,125490,2942,0574061,65188,6422,0218,137592,7262,0432141,82990,8972,02010,145588,6422,0573981,65986,9832,01110,148690,8972,0432101,83389,0642,01512,160686,9832,0573911,66685,3172,00212,151789,0642,0432061,83787,2262,01014,170785,3172,0573831,67483,6431,99414,144887,2262,0432011,84285,3852,00616,175883,6432,0573761,68181,9621,98516,129985,3852,0431971,84683,5392,00118,176981,9622,0573681,68980,2731,97618,1051083,5392,0431931,85081,6881,99620,1731080,2732,0573611,69778,5761,96720,0721181,6882,0431891,85479,8341,99222,1651178,5762,0573531,70476,8721,95822,0301279,8342,0431841,85977,9751,98724,1521276,8722,0573451,71275,1601,94923,9791377,9752,0431801,86376,1121,98326,1351375,1602,0573381,71973,4411,94125,9201476,1122,0431761,86774,2451,97828,1131473,4412,0573301,72771,7141,93227,8521574,2452,0431711,87272,3731,97430,0861571,7142,0573221,73569,9791,92329,7751672,3732,0431671,87670,4971,96932,0551669,9792,0573141,74368,2361,91531,6901770,4972,0431631,88068,6171,96434,0201768,2362,0573071,75166,4861,90633,5961868,6172,0431581,88566,7321,96035,9801866,4862,0572991,75864,7271,89835,4931966,7322,0431541,88964,8431,95537,9351964,7272,0572911,76662,9611,88937,3832064,8432,0431501,89362,9501,95139,8862062,9612,0572831,77461,1861,88139,2632162,9502,0431451,89861,0521,94641,8332161,1862,0572751,78259,4041,87241,1362261,0522,0431411,90259,1501,94243,7752259,4042,0572671,79057,6141,86443,0002359,1502,0431371,90657,2441,93745,7122357,6142,0572591,79855,8161,85644,8552457,2442,0431321,91155,3331,93347,6452455,8162,0572511,80654,0091,84746,7022555,3332,0431281,91553,4181,92949,5742554,0092,0572431,81452,1951,83948,5412653,4182,0431231,92051,4981,92451,4982652,1952,0572341,82350,3721,83150,3722751,4982,0431191,92449,5741,92053,4182750,3722,0572261,83148,5411,82352,1952849,5742,0431141,92947,6451,91555,3332848,5412,0572181,83946,7021,81454,0092947,6452,0431101,93345,7121,91157,2442946,7022,0572101,84744,8551,80655,8163045,7122,0431051,93743,7751,90659,1503044,8552,0572011,85643,0001,79857,6143143,7752,0431011,94241,8331,90261,0523143,0002,0571931,86441,1361,79059,4043241,8332,043971,94639,8861,89862,9503241,1362,0571851,87239,2631,78261,1863339,8862,043921,95137,9351,89364,8433339,2632,0571761,88137,3831,77462,9613437,9352,043881,95535,9801,88966,7323437,3832,0571681,88935,4931,76664,7273535,9802,043831,96034,0201,88568,6173535,4932,0571591,89833,5961,75866,4863634,0202,043791,96432,0551,88070,4973633,5962,0571511,90631,6901,75168,2363732,0552,043741,96930,0861,87672,3733731,6902,0571421,91529,7751,74369,9793830,0862,043691,97428,1131,87274,2453829,7752,0571341,92327,8521,73571,7143928,1132,043651,97826,1351,86776,1123927,8522,0571251,93225,9201,72773,4414026,1352,043601,98324,1521,86377,9754025,9202,0571161,94123,9791,71975,1604124,1522,043561,98722,1651,85979,8344123,9792,0571081,94922,0301,71276,8724222,1652,043511,99220,1731,85481,6884222,0302,057991,95820,0721,70478,5764320,1732,043471,99618,1761,85083,5394320,0722,057901,96718,1051,69780,2734418,1762,043422,00116,1751,84685,3854418,1052,057811,97616,1291,68981,9624516,1752,043372,00614,1701,84287,2264516,1292,057721,98514,1441,68183,6434614,1702,043332,01012,1601,83789,0644614,1442,057641,99412,1511,67485,3174712,1602,043282,01510,1451,83390,8974712,1512,057552,00210,1481,66686,9834810,1452,043232,0208,1251,82992,7264810,1482,057462,0118,1371,65988,642498,1252,043192,0246,1011,82594,551498,1372,057372,0216,1161,65190,294506,1012,043142,0294,0721,82196,371506,1162,057272,0304,0871,64491,938514,0722,04392,0342,0381,81698,188514,0872,057182,0392,0481,63793,575522,0382,04352,03801,812100,000522,0482,05792,04801,62995,2045302,04302,043-2,0431,808101,8085302,05702,057-2,0571,62296,82654-2,0432,043-52,048-4,0911,804103,61254-2,0572,057-92,066-4,1231,61598,44155-4,0912,043-92,052-6,1431,800105,41255-4,1232,057-192,076-6,1991,608100,04956-6,1432,043-142,057-8,2001,796107,20756-6,1992,057-282,085-8,2841,600101,64957-8,2002,043-192,062-10,2621,791108,99957-8,2842,057-372,094-10,3781,593103,24358-10,2622,043-242,067-12,3291,787110,78658-10,3782,057-472,104-12,4821,586104,82959-12,3292,043-282,071-14,4001,783112,56959-12,4822,057-562,113-14,5951,579106,40860-14,4002,043-332,076-16,4761,779114,34860-14,5952,057-662,123-16,7181,572107,98061-16,4762,043-382,081-18,5571,775116,12361-16,7182,057-752,132-18,8501,565109,54562-18,5572,043-432,086-20,6431,771117,89462-18,8502,057-852,142-20,9921,558111,10363-20,6432,043-482,091-22,7341,767119,66163-20,9922,057-942,151-23,1431,551112,65464-22,7342,043-522,095-24,8291,763121,42464-23,1432,057-1042,161-25,3041,544114,19865-24,8292,043-572,100-26,9301,759123,18365-25,3042,057-1142,171-27,4751,537115,73566-26,9302,043-622,105-29,0351,755124,93766-27,4752,057-1232,180-29,6551,530117,26667-29,0352,043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