lOMoAR cPSD| 11002265

MATEMÁTICA FINANCIERA

TALLER

ESTUDIO SOBRE CASO DE

ALTERNATIVAS DE
FINANCIACIÓN

PRESENTADO POR:

RAFAEL GUTIERREZ ID:756922

JULIEHT LOZANO ID: 754739

PRESENTADO A:

JESSICA RANGEL
NRC: 10093

ADMINISTRACIÓN

DE EMPRESAS

2021

CORPORACIÓN

UNIVERSITARIA

MINUTO DE DIOS

CÚCUTA.
 lOMoAR cPSD| 11002265

MATEMÁTICA FINANCIERA

TALLER

ESTUDIO SOBRE CASO DE

ALTERNATIVAS DE FINANCIACIÓN

PRESENTADO POR:

RAFAEL GUTIERREZ ID:756922

JULIEHT LOZANO ID: 754739

PRESENTADO A:

JESSICA RANGEL
NRC: 10093

ADMINISTRACIÓN DE

EMPRESAS

2021

CORPORACIÓN

UNIVERSITARIA

MINUTO DE DIOS

CÚCUTA
 lOMoAR cPSD| 11002265

Estudio de caso sobre alternativas de financiación

La señora María Claudia Pinilla adquirió un crédito de libre inversión por $250.000.000,
durante 7 años, con una tasa de interés del 10,9 % EM.
La prestataria tiene varias alternativas de financiación que le ofrece su entidad financiera con
respecto a la forma de amortizar la deuda. Para ayudarle a encontrar la mejor opción, construya
las tablas de amortización y calcule las cuotas mensuales, los intereses y los abonos a capital
correspondientes.
1. Amortización gradual
2. Amortización con abono constante a capital
3. Amortización con periodo de gracia de 8 meses
 lOMoAR cPSD| 11002265

Condiciones

Préstamo Original 250.000.000,00

Préstamo ajustado 250.000.000,00

Tasa Anual 216,938107748%

Plazo Original 84

Tasa Banco 10,09000%

Amortiguación Gradual

Cuota 25.232.854,98

Condiciones Iniciales Banco

M Cuota Interés Capit Saldo
es al

0 250.000.000,
00

1 25.232.854, 25.225.000, 7.854,98 249.992.145,

98 00 02

2 25.232.854, 25.224.207, 8.647,55 249.983.497,

98 43 47

3 25.232.854, 25.223.334, 9.520,09 249.973.977,

98 89 38

4 25.232.854, 25.222.374, 10.480,66 249.963.496,

98 32 72

5 25.232.854, 25.221.316, 11.538,16 249.951.958,

98 82 56

6 25.232.854, 25.220.152, 12.702,36 249.939.256,

98 62 19

7 25.232.854, 25.218.870, 13.984,03 249.925.272,

98 95 16

8 25.232.854, 25.217.459, 15.395,02 249.909.877,

98 96 14

9 25.232.854, 25.215.906, 16.948,38 249.892.928,

98 60 76
 lOMoAR cPSD| 11002265

10 25.232.854, 25.214.196, 18.658,47 249.874.270,

98 51 29

11 25.232.854, 25.212.313, 20.541,11 249.853.729,

98 87 18

12 25.232.854, 25.210.241, 22.613,71 249.831.115,

98 27 48
 lOMoAR cPSD| 11002265

13 25.232.854, 25.207.959, 24.895,43 249.806.220,

98 55 05

14 25.232.854, 25.205.447, 27.407,38 249.778.812,

98 60 67

15 25.232.854, 25.202.682, 30.172,78 249.748.639,

98 20 89

16 25.232.854, 25.199.637, 33.217,22 249.715.422,

98 76 67

17 25.232.854, 25.196.286, 36.568,83 249.678.853,

98 15 84

18 25.232.854, 25.192.596, 40.258,63 249.638.595,

98 35 21

19 25.232.854, 25.188.534, 44.320,73 249.594.274,

98 26 48

20 25.232.854, 25.184.062, 48.792,69 249.545.481,

98 30 79

21 25.232.854, 25.179.139, 53.715,87 249.491.765,

98 11 93

22 25.232.854, 25.173.719, 59.135,80 249.432.630,

98 18 13

23 25.232.854, 25.167.752, 65.102,60 249.367.527,

98 38 52

24 25.232.854, 25.161.183, 71.671,45 249.295.856,

98 53 07

25 25.232.854, 25.153.951, 78.903,10 249.216.952,

98 88 97

26 25.232.854, 25.145.990, 86.864,43 249.130.088,

98 55 54

27 25.232.854, 25.137.225, 95.629,05 249.034.459,

98 93 49

28 25.232.854, 25.127.576, 105.278,02 248.929.181,

98 96 47

29 25.232.854, 25.116.954, 115.900,57 248.813.280,

98 41 90

30 25.232.854, 25.105.260, 127.594,94 248.685.685,

98 04 96

31 25.232.854, 25.092.385, 140.469,27 248.545.216,

 lOMoAR cPSD| 11002265

98 71 70

32 25.232.854, 25.078.212, 154.642,62 248.390.574,

98 36 08

33 25.232.854, 25.062.608, 170.246,06 248.220.328,

98 92 02

34 25.232.854, 25.045.431, 187.423,88 248.032.904,

98 10 14

247.826.569,
35 25.232.854, 25.026.520, 206.334,95 18
98 03

36 25.232.854, 25.005.700, 227.154,15 247.599.415,

98 83 03
 lOMoAR cPSD| 11002265

37 25.232.854, 24.982.780, 250.074,00 247.349.341,

98 98 03

38 25.232.854, 24.957.548, 275.306,47 247.074.034,

98 51 56

39 25.232.854, 24.929.770, 303.084,89 246.770.949,

98 09 66

40 25.232.854, 24.899.188, 333.666,16 246.437.283,

98 82 50

41 25.232.854, 24.865.521, 367.333,08 246.069.950,

98 91 42

42 25.232.854, 24.828.458, 404.396,98 245.665.553,

98 00 44

43 25.232.854, 24.787.654, 445.200,64 245.220.352,

98 34 80

44 25.232.854, 24.742.733, 490.121,38 244.730.231,

98 60 42

45 25.232.854, 24.693.280, 539.574,63 244.190.656,

98 35 79

46 25.232.854, 24.638.837, 594.017,71 243.596.639,

98 27 07

47 25.232.854, 24.578.900, 653.954,10 242.942.684,

98 88 98

48 25.232.854, 24.512.916, 719.938,07 242.222.746,

98 91 91

49 25.232.854, 24.440.275, 792.579,82 241.430.167,

98 16 09

50 25.232.854, 24.360.303, 872.551,12 240.557.615,

98 86 97

51 25.232.854, 24.272.263, 960.591,53 239.597.024,

98 45 44

52 25.232.854, 24.175.339, 1.057.515,2 238.539.509,

98 77 2 22

53 25.232.854, 24.068.636, 1.164.218,5 237.375.290,

98 48 0 72

54 25.232.854, 23.951.166, 1.281.688,1 236.093.602,

98 83 5 57

55 25.232.854, 23.821.844, 1.411.010,4 234.682.592,

 lOMoAR cPSD| 11002265

98 50 8 09

56 25.232.854, 23.679.473, 1.553.381,4 233.129.210,

98 54 4 65

57 25.232.854, 23.522.737, 1.710.117,6 231.419.093,

98 35 3 02

58 25.232.854, 23.350.186, 1.882.668,5 229.536.424,

98 49 0 53

227.463.794,
59 25.232.854, 23.160.225, 2.072.629,7 78
98 23 5

60 25.232.854, 22.951.096, 2.281.758,0 225.182.036,

98 89 9 69
 lOMoAR cPSD| 11002265

61 25.232.854, 22.720.867, 2.511.987, 222.670.049,

98 50 48 21

62 25.232.854, 22.467.407, 2.765.447, 219.904.602,

98 97 02 20

63 25.232.854, 22.188.374, 3.044.480, 216.860.121,

98 36 62 58

64 25.232.854, 21.881.186, 3.351.668, 213.508.452,

98 27 71 86

65 25.232.854, 21.543.002, 3.689.852, 209.818.600,

98 89 09 78

66 25.232.854, 21.170.696, 4.062.158, 205.756.442,

98 82 16 61

67 25.232.854, 20.760.825, 4.472.029, 201.284.412,

98 06 92 69

68 25.232.854, 20.309.597, 4.923.257, 196.361.154,

98 24 74 95

69 25.232.854, 19.812.840, 5.420.014, 190.941.140,

98 53 45 50

70 25.232.854, 19.265.961, 5.966.893, 184.974.246,

98 08 90 60

71 25.232.854, 18.663.901, 6.568.953, 178.405.293,

98 48 50 10

72 25.232.854, 18.001.094, 7.231.760, 171.173.532,

98 07 91 19

73 25.232.854, 17.271.409, 7.961.445, 163.212.086,

98 40 58 61

74 25.232.854, 16.468.099, 8.764.755, 154.447.331,

98 54 44 16

75 25.232.854, 15.583.735, 9.649.119, 144.798.211,

98 71 27 90

76 25.232.854, 14.610.139, 10.622.715, 134.175.496,

98 58 40 50

77 25.232.854, 13.538.307, 11.694.547, 122.480.949,

98 60 38 11

78 25.232.854, 12.358.327, 12.874.527, 109.606.421,

98 77 22 90

79 25.232.854, 11.059.287, 14.173.567, 95.432.854,8

 lOMoAR cPSD| 11002265

98 97 01 8

80 25.232.854, 9.629.175, 15.603.679, 79.829.174,9

98 06 92 6

81 25.232.854, 8.054.763, 17.178.091, 62.651.083,7

98 75 23 3

82 25.232.854, 6.321.494, 18.911.360, 43.739.723,1

98 35 63 0

22.920.206,1
83 25.232.854, 4.413.338, 20.819.516, 8
98 06 92

84 25.232.854, 2.312.648, 22.920.206, -

98 80 18
 lOMoAR cPSD| 11002265

Amortización abono constante de capital

Condiciones Iniciales Banco

Mes Cuota Interés Capital Saldo

0 250.000.000,
00

1 28.201.190, 25.225.000, 2.976.190, 247.023.809,

48 00 48 52

2 27.900.892, 24.924.702, 2.976.190, 244.047.619,

86 38 48 05

3 27.600.595, 24.624.404, 2.976.190, 241.071.428,

24 76 48 57

4 27.300.297, 24.324.107, 2.976.190, 238.095.238,

62 14 48 10

5 27.000.000, 24.023.809, 2.976.190, 235.119.047,

00 52 48 62

6 26.699.702, 23.723.511, 2.976.190, 232.142.857,

38 90 48 14

7 26.399.404, 23.423.214, 2.976.190, 229.166.666,

76 29 48 67

8 26.099.107, 23.122.916, 2.976.190, 226.190.476,

14 67 48 19

9 25.798.809, 22.822.619, 2.976.190, 223.214.285,

52 05 48 71

10 25.498.511, 22.522.321, 2.976.190, 220.238.095,

90 43 48 24

11 25.198.214, 22.222.023, 2.976.190, 217.261.904,

29 81 48 76

12 24.897.916, 21.921.726, 2.976.190, 214.285.714,

67 19 48 29

13 24.597.619, 21.621.428, 2.976.190, 211.309.523,

05 57 48 81

14 24.297.321, 21.321.130, 2.976.190, 208.333.333,

43 95 48 33

15 23.997.023, 21.020.833, 2.976.190, 205.357.142,

81 33 48 86
 lOMoAR cPSD| 11002265

16 23.696.726, 20.720.535, 2.976.190, 202.380.952,

19 71 48 38

17 23.396.428, 20.420.238, 2.976.190, 199.404.761,

57 10 48 90

18 23.096.130, 20.119.940, 2.976.190, 196.428.571,

95 48 48 43

19 22.795.833, 19.819.642, 2.976.190, 193.452.380,

33 86 48 95

190.476.190,
20 22.495.535, 19.519.345, 2.976.190, 48
71 24 48
 lOMoAR cPSD| 11002265

21 22.195.238, 19.219.047, 2.976.190, 187.500.000,

10 62 48 00

22 21.894.940, 18.918.750, 2.976.190, 184.523.809,

48 00 48 52

23 21.594.642, 18.618.452, 2.976.190, 181.547.619,

86 38 48 05

24 21.294.345, 18.318.154, 2.976.190, 178.571.428,

24 76 48 57

25 20.994.047, 18.017.857, 2.976.190, 175.595.238,

62 14 48 10

26 20.693.750, 17.717.559, 2.976.190, 172.619.047,

00 52 48 62

27 20.393.452, 17.417.261, 2.976.190, 169.642.857,

38 90 48 14

28 20.093.154, 17.116.964, 2.976.190, 166.666.666,

76 29 48 67

29 19.792.857, 16.816.666, 2.976.190, 163.690.476,

14 67 48 19

30 19.492.559, 16.516.369, 2.976.190, 160.714.285,

52 05 48 71

31 19.192.261, 16.216.071, 2.976.190, 157.738.095,

90 43 48 24

32 18.891.964, 15.915.773, 2.976.190, 154.761.904,

29 81 48 76

33 18.591.666, 15.615.476, 2.976.190, 151.785.714,

67 19 48 29

34 18.291.369, 15.315.178, 2.976.190, 148.809.523,

05 57 48 81

35 17.991.071, 15.014.880, 2.976.190, 145.833.333,

43 95 48 33

36 17.690.773, 14.714.583, 2.976.190, 142.857.142,

81 33 48 86

37 17.390.476, 14.414.285, 2.976.190, 139.880.952,

19 71 48 38

38 17.090.178, 14.113.988, 2.976.190, 136.904.761,

57 10 48 90

39 16.789.880, 13.813.690, 2.976.190, 133.928.571,

 lOMoAR cPSD| 11002265

95 48 48 43

40 16.489.583, 13.513.392, 2.976.190, 130.952.380,

33 86 48 95

41 16.189.285, 13.213.095, 2.976.190, 127.976.190,

71 24 48 48

42 15.888.988, 12.912.797, 2.976.190, 125.000.000,

10 62 48 00

43 15.588.690, 12.612.500, 2.976.190, 122.023.809,

48 00 48 52

119.047.619,
44 15.288.392, 12.312.202, 2.976.190, 05
86 38 48
 lOMoAR cPSD| 11002265

45 14.988.095, 12.011.904, 2.976.190, 116.071.428,

24 76 48 57

46 14.687.797, 11.711.607, 2.976.190, 113.095.238,

62 14 48 10

47 14.387.500, 11.411.309, 2.976.190, 110.119.047,

00 52 48 62

48 14.087.202, 11.111.011, 2.976.190, 107.142.857,

38 90 48 14

49 13.786.904, 10.810.714, 2.976.190, 104.166.666,

76 29 48 67

50 13.486.607, 10.510.416, 2.976.190, 101.190.476,

14 67 48 19

51 13.186.309, 10.210.119, 2.976.190, 98.214.285,7

52 05 48 1

52 12.886.011, 9.909.821, 2.976.190, 95.238.095,2

90 43 48 4

53 12.585.714, 9.609.523, 2.976.190, 92.261.904,7

29 81 48 6

54 12.285.416, 9.309.226, 2.976.190, 89.285.714,2

67 19 48 9

55 11.985.119, 9.008.928, 2.976.190, 86.309.523,8

05 57 48 1

56 11.684.821, 8.708.630, 2.976.190, 83.333.333,3

43 95 48 3

57 11.384.523, 8.408.333, 2.976.190, 80.357.142,8

81 33 48 6

58 11.084.226, 8.108.035, 2.976.190, 77.380.952,3

19 71 48 8

59 10.783.928, 7.807.738, 2.976.190, 74.404.761,9

57 10 48 0

60 10.483.630, 7.507.440, 2.976.190, 71.428.571,4

95 48 48 3

61 10.183.333, 7.207.142, 2.976.190, 68.452.380,9

33 86 48 5

62 9.883.035, 6.906.845, 2.976.190, 65.476.190,4

71 24 48 8

63 9.582.738, 6.606.547, 2.976.190, 62.500.000,0

 lOMoAR cPSD| 11002265

10 62 48 0

64 9.282.440, 6.306.250, 2.976.190, 59.523.809,5

48 00 48 2

65 8.982.142, 6.005.952, 2.976.190, 56.547.619,0

86 38 48 5

66 8.681.845, 5.705.654, 2.976.190, 53.571.428,5

24 76 48 7

67 8.381.547, 5.405.357, 2.976.190, 50.595.238,1

62 14 48 0

47.619.047,6
68 8.081.250, 5.105.059, 2.976.190, 2
00 52 48
 lOMoAR cPSD| 11002265

69 7.780.952,3 4.804.761,9 2.976.190, 44.642.857,1

8 0 48 4

70 7.480.654,7 4.504.464,2 2.976.190, 41.666.666,6

6 9 48 7

71 7.180.357,1 4.204.166,6 2.976.190, 38.690.476,1

4 7 48 9

72 6.880.059,5 3.903.869,0 2.976.190, 35.714.285,7

2 5 48 1

73 6.579.761,9 3.603.571,4 2.976.190, 32.738.095,2

0 3 48 4

74 6.279.464,2 3.303.273,8 2.976.190, 29.761.904,7

9 1 48 6

75 5.979.166,6 3.002.976,1 2.976.190, 26.785.714,2

7 9 48 9

76 5.678.869,0 2.702.678,5 2.976.190, 23.809.523,8

5 7 48 1

77 5.378.571,4 2.402.380,9 2.976.190, 20.833.333,3

3 5 48 3

78 5.078.273,8 2.102.083,3 2.976.190, 17.857.142,8

1 3 48 6

79 4.777.976,1 1.801.785,7 2.976.190, 14.880.952,3

9 1 48 8

80 4.477.678,5 1.501.488,1 2.976.190, 11.904.761,9

7 0 48 0

81 4.177.380,9 1.201.190,4 2.976.190, 8.928.571,43

5 8 48

82 3.877.083,3 900.892,86 2.976.190, 5.952.380,95

3 48

83 3.576.785,7 600.595,24 2.976.190, 2.976.190,48

1 48

84 3.276.488,1 300.297,62 2.976.190, -

0 48
 lOMoAR cPSD| 11002265

Amortización periodo de gracia

Cuota 54.463.550,93

Condiciones Iniciales
Banco
M Cuo Interés Capital Saldo
es ta

0 250.000.000,
00

1 - 25.225.000, - 275.225.000,
00 00

2 - 27.770.202, - 302.995.202,
50 50

3 - 30.572.215, - 333.567.418,
93 43

4 - 33.656.952, - 367.224.370,
52 95

5 - 37.052.939, - 404.277.309,
03 98

6 - 40.791.580, - 445.068.890,
58 56

7 - 44.907.451, - 489.976.341,
06 62

8 - 49.438.612, - 539.414.954,
87 48

9 54.463.550, 54.426.968, 36.582,02 539.378.372,

93 91 46

10 54.463.550, 54.423.277, 40.273,15 539.338.099,

93 78 32

11 54.463.550, 54.419.214, 44.336,71 539.293.762,

93 22 61

12 54.463.550, 54.414.740, 48.810,28 539.244.952,

93 65 33

13 54.463.550, 54.409.815, 53.735,24 539.191.217,

93 69 09

14 54.463.550, 54.404.393, 59.157,13 539.132.059,

93 80 96
 lOMoAR cPSD| 11002265

15 54.463.550, 54.398.424, 65.126,08 539.066.933,

93 85 88

16 54.463.550, 54.391.853, 71.697,30 538.995.236,

93 63 58

17 54.463.550, 54.384.619, 78.931,56 538.916.305,

93 37 02

18 54.463.550, 54.376.655, 86.895,75 538.829.409,

93 18 27

19 54.463.550, 54.367.887, 95.663,53 538.733.745,

93 40 74

20 54.463.550, 54.358.234, 105.315,98 538.628.429,

93 94 75
 lOMoAR cPSD| 11002265

21 54.463.550, 54.347.608, 115.942,37 538.512.487,

93 56 38

22 54.463.550, 54.335.909, 127.640,95 538.384.846,

93 98 43

23 54.463.550, 54.323.031, 140.519,92 538.244.326,

93 01 51

24 54.463.550, 54.308.852, 154.698,38 538.089.628,

93 54 12

25 54.463.550, 54.293.243, 170.307,45 537.919.320,

93 48 67

26 54.463.550, 54.276.059, 187.491,47 537.731.829,

93 46 20

27 54.463.550, 54.257.141, 206.409,36 537.525.419,

93 57 84

28 54.463.550, 54.236.314, 227.236,07 537.298.183,

93 86 77

29 54.463.550, 54.213.386, 250.164,19 537.048.019,

93 74 58

30 54.463.550, 54.188.145, 275.405,75 536.772.613,

93 18 83

31 54.463.550, 54.160.356, 303.194,19 536.469.419,

93 74 64

32 54.463.550, 54.129.764, 333.786,49 536.135.633,

93 44 15

33 54.463.550, 54.096.085, 367.465,54 535.768.167,

93 38 60

34 54.463.550, 54.059.008, 404.542,82 535.363.624,

93 11 79

35 54.463.550, 54.018.189, 445.361,19 534.918.263,

93 74 60

36 54.463.550, 53.973.252, 490.298,13 534.427.965,

93 80 47

37 54.463.550, 53.923.781, 539.769,21 533.888.196,

93 72 25

38 54.463.550, 53.869.319, 594.231,93 533.293.964,

93 00 32

39 54.463.550, 53.809.361, 654.189,93 532.639.774,

 lOMoAR cPSD| 11002265

93 00 40

40 54.463.550, 53.743.353, 720.197,69 531.919.576,

93 24 70

41 54.463.550, 53.670.685, 792.865,64 531.126.711,

93 29 06

42 54.463.550, 53.590.685, 872.865,78 530.253.845,

93 15 28

43 54.463.550, 53.502.612, 960.937,94 529.292.907,

93 99 34

528.235.010,
44 54.463.550, 53.405.654, 1.057.896,58 76
93 35
 lOMoAR cPSD| 11002265

45 54.463.550, 53.298.912, 1.164.638,34 527.070.372,

93 59 42

46 54.463.550, 53.181.400, 1.282.150,35 525.788.222,

93 58 07

47 54.463.550, 53.052.031, 1.411.519,32 524.376.702,

93 61 74

48 54.463.550, 52.909.609, 1.553.941,62 522.822.761,

93 31 12

49 54.463.550, 52.752.816, 1.710.734,33 521.112.026,

93 60 79

50 54.463.550, 52.580.203, 1.883.347,43 519.228.679,

93 50 36

51 54.463.550, 52.390.173, 2.073.377,18 517.155.302,

93 75 18

52 54.463.550, 52.180.969, 2.282.580,94 514.872.721,

93 99 24

53 54.463.550, 51.950.657, 2.512.893,36 512.359.827,

93 57 89

54 54.463.550, 51.697.106, 2.766.444,30 509.593.383,

93 63 59

55 54.463.550, 51.417.972, 3.045.578,52 506.547.805,

93 40 07

56 54.463.550, 51.110.673, 3.352.877,40 503.194.927,

93 53 67

57 54.463.550, 50.772.368, 3.691.182,73 499.503.744,

93 20 94

58 54.463.550, 50.399.927, 4.063.623,06 495.440.121,

93 86 88

59 54.463.550, 49.989.908, 4.473.642,63 490.966.479,

93 30 25

60 54.463.550, 49.538.517, 4.925.033,17 486.041.446,

93 76 07

61 54.463.550, 49.041.581, 5.421.969,02 480.619.477,

93 91 05

62 54.463.550, 48.494.505, 5.969.045,69 474.650.431,

93 23 36

63 54.463.550, 47.892.228, 6.571.322,41 468.079.108,

 lOMoAR cPSD| 11002265

93 52 95

64 54.463.550, 47.229.182, 7.234.368,84 460.844.740,

93 09 12

65 54.463.550, 46.499.234, 7.964.316,65 452.880.423,

93 28 47

66 54.463.550, 45.695.634, 8.767.916,20 444.112.507,

93 73 26

67 54.463.550, 44.810.951, 9.652.598,95 434.459.908,

93 98 32

423.833.362,
68 54.463.550, 43.837.004, 10.626.546,18 14
93 75
 lOMoAR cPSD| 11002265

69 54.463.550, 42.764.786, 11.698.764,69 412.134.597,

93 24 45

70 54.463.550, 41.584.380, 12.879.170,05 399.255.427,

93 88 40

71 54.463.550, 40.284.872, 14.178.678,30 385.076.749,

93 62 10

72 54.463.550, 38.854.243, 15.609.306,95 369.467.442,

93 98 15

73 54.463.550, 37.279.264, 17.184.286,02 352.283.156,

93 91 14

74 54.463.550, 35.545.370, 18.918.180,47 333.364.975,

93 45 66

75 54.463.550, 33.636.526, 20.827.024,88 312.537.950,

93 04 78

76 54.463.550, 31.535.079, 22.928.471,70 289.609.479,

93 23 08

77 54.463.550, 29.221.596, 25.241.954,49 264.367.524,

93 44 59

78 54.463.550, 26.674.683, 27.788.867,70 236.578.656,

93 23 89

79 54.463.550, 23.870.786, 30.592.764,45 205.985.892,

93 48 44

80 54.463.550, 20.783.976, 33.679.574,38 172.306.318,

93 55 06

81 54.463.550, 17.385.707, 37.077.843,44 135.228.474,

93 49 63

82 54.463.550, 13.644.553, 40.818.997,84 94.409.476,7

93 09 9

83 54.463.550, 9.525.916, 44.937.634,72 49.471.842,0

93 21 6

84 54.463.550, 4.991.708, 49.471.842,06 -

93 86

Se puede concluir que la mejor Alternativa para la deuda de la Señora María Claudia Pinilla con un interés
del 10,09% es la de amortización con abono constante a capital ya que, el interés que le ofrece es el más bajo.