LA FRASE

"¿NO QUERÍAN VOLVER A TENER RELACIONES CARNALES CON NOSOTROS? PUES BIEN, LES ENVIAREMOS NUESTROS CERDOS." (DONALD TRUMP)

domingo, 22 de mayo de 2016

EL DELIRIO DE MELCONIÁN



De acuerdo con lo que te ofrece Melconiáin, sacás un préstamos hipotecario de $1.500.000 (hoy U$S 100.000) a 20 años (240 cuotas) para la compra de la vivienda.

Pagando los primeros 36 meses cuotas fijas de $ 10.000 (según dice Melconian), y calculando el interés anual del 14 %, el interés del período (36 meses) es de 42 %. 

Es decir que sobre un pago de $ 360.000 (36 cuotas de $10.000), se cancela en el primer tramo de cuotas fijas la suma de $ 291.782 DE CAPITAL.

Este es el detalle:

CRONOGRAMA DE PAGOS: 36 PERIODOS PARA DEVOLVER $291.782 al 14%.
-----------------------------------------------------------------
 Cuota         Cuota       Interes     Reduccion del    Capital
Numero:        Monto        Monto         Capital       Adeudado
-----------------------------------------------------------------
  1.          $10000.00     $3451.40      $6548.60      $285233.40
  2.          $10000.00     $3373.94      $6626.06      $278607.34
  3.          $10000.00     $3295.56      $6704.44      $271902.91
  4.          $10000.00     $3216.26      $6783.74      $265119.17
  5.          $10000.00     $3136.02      $6863.98      $258255.18
  6.          $10000.00     $3054.82      $6945.17      $251310.01
  7.          $10000.00     $2972.67      $7027.33      $244282.68
  8.          $10000.00     $2889.55      $7110.45      $237172.23
  9.          $10000.00     $2805.44      $7194.56      $229977.67
  10.         $10000.00     $2720.34      $7279.66      $222698.00
  11.         $10000.00     $2634.23      $7365.77      $215332.23
  12.         $10000.00     $2547.10      $7452.90      $207879.33
  13.         $10000.00     $2458.94      $7541.06      $200338.28
  14.         $10000.00     $2369.74      $7630.26      $192708.02
  15.         $10000.00     $2279.49      $7720.51      $184987.50
  16.         $10000.00     $2188.16      $7811.84      $177175.67
  17.         $10000.00     $2095.76      $7904.24      $169271.42
  18.         $10000.00     $2002.26      $7997.74      $161273.69
  19.         $10000.00     $1907.66      $8092.34      $153181.34
  20.         $10000.00     $1811.94      $8188.06      $144993.28
  21.         $10000.00     $1715.08      $8284.92      $136708.36
  22.         $10000.00     $1617.08      $8382.92      $128325.45
  23.         $10000.00     $1517.92      $8482.08      $119843.37
  24.         $10000.00     $1417.59      $8582.41      $111260.96
  25.         $10000.00     $1316.07      $8683.93      $102577.04
  26.         $10000.00     $1213.35      $8786.65      $93790.39
  27.         $10000.00     $1109.42      $8890.58      $84899.81
  28.         $10000.00     $1004.25      $8995.74      $75904.06
  29.         $10000.00     $897.85       $9102.15      $66801.91
  30.         $10000.00     $790.18       $9209.82      $57592.09
  31.         $10000.00     $681.24       $9318.76      $48273.33
  32.         $10000.00     $571.01       $9428.99      $38844.34
  33.         $10000.00     $459.48       $9540.52      $29303.82
  34.         $10000.00     $346.63       $9653.37      $19650.44
  35.         $10000.00     $232.44       $9767.56      $9882.88
  36.         $9999.78      $116.90       $9882.88      $0.00
-----------------------------------------------------------------
  TOTAL A PAGAR primer tramo CAP. + INT. = $359.999,83

DEL CAPITAL PRESTADO (1.500.000) se deduce el pago de capital del primer tramo, $ 291.782 ……..  $1.500.000 menos $291.782 :  $1.208.218

CAPITAL ADEUDADO ENTONCES LUEGO DE LA CUOTA 36: $1.208.218
El crédito es a 20 años (240 cuotas), como ya se pagaron 36 cuotasrestan entonces 204 cuotas. 

CRONOGRAMA DE PAGOS: 204 PERIODOS PARA DEVOLVER $1.208.218  al 14%.

Nota: Las cuotas en este período SON AJUSTABLES, es decir que arrancaría pagándose una cuota de más de $15.000 y las cuotas se incrementarán.

HACIENDO UN CÁLCULO OPTIMISTA –sin ajuste de cuota- los números son éstos:

-----------------------------------------------------------------
 Cuota         Cuota       Interes     Reduccion del    Capital
Numero:        Monto        Monto         Capital       Adeudado
-----------------------------------------------------------------
  1.          $15719.26     $14291.65     $1427.61     $1206790.39
  2.          $15719.26     $14274.76     $1444.49     $1205345.90
  3.          $15719.26     $14257.68     $1461.58     $1203884.32
  4.          $15719.26     $14240.39     $1478.87     $1202405.45
  5.          $15719.26     $14222.90     $1496.36     $1200909.09
  6.          $15719.26     $14205.20     $1514.06     $1199395.02
  7.          $15719.26     $14187.29     $1531.97     $1197863.05
  8.          $15719.26     $14169.17     $1550.09     $1196312.96
  9.          $15719.26     $14150.83     $1568.43     $1194744.53
  10.         $15719.26     $14132.28     $1586.98     $1193157.55
  11.         $15719.26     $14113.51     $1605.75     $1191551.80
  12.         $15719.26     $14094.51     $1624.75     $1189927.05
  13.         $15719.26     $14075.29     $1643.96     $1188283.08
  14.         $15719.26     $14055.85     $1663.41     $1186619.67
  15.         $15719.26     $14036.17     $1683.09     $1184936.59
  16.         $15719.26     $14016.26     $1712.00     $1183233.59
  17.         $15719.26     $13996.12     $1723.14     $1181510.45
  18.         $15719.26     $13975.74     $1743.52     $1179766.93
  19.         $15719.26     $13955.11     $1764.15     $1178002.78
  20.         $15719.26     $13934.24     $1785.01     $1176217.77
  21.         $15719.26     $13913.13     $1806.13     $1174411.64
  22.         $15719.26     $13891.77     $1827.49     $1172584.14
  23.         $15719.26     $13870.15     $1849.11     $1170735.03
  24.         $15719.26     $13848.28     $1870.98     $1168864.05
  25.         $15719.26     $13826.15     $1893.11     $1166970.94
  26.         $15719.26     $13803.75     $1915.51     $1165055.43
  27.         $15719.26     $13781.09     $1938.16     $1163117.27
  28.         $15719.26     $13758.17     $1961.09     $1161156.18
  29.         $15719.26     $13734.97     $1984.29     $1159171.89
  30.         $15719.26     $13711.50     $2007.76     $1157164.13
  31.         $15719.26     $13687.75     $2031.51     $1155132.62
  32.         $15719.26     $13663.72     $2055.54     $1153077.08
  33.         $15719.26     $13639.41     $2079.85     $1150997.23
  34.         $15719.26     $13614.80     $2104.45     $1148892.78
  35.         $15719.26     $13589.91     $2129.35     $1146763.43
  36.         $15719.26     $13564.72     $2154.53     $1144608.89
  37.         $15719.26     $13539.24     $2180.02     $1142428.87
  38.         $15719.26     $13513.45     $2205.81     $1140223.07
  39.         $15719.26     $13487.36     $2231.90     $1137991.17
  40.         $15719.26     $13460.96     $2258.30     $1135732.87
  41.         $15719.26     $13434.25     $2285.01     $1133447.85
  42.         $15719.26     $13407.22     $2312.04     $1131135.81
  43.         $15719.26     $13379.87     $2339.39     $1128796.42
  44.         $15719.26     $13352.20     $2367.06     $1126429.36
  45.         $15719.26     $13324.20     $2395.06     $1124034.30
  46.         $15719.26     $13295.87     $2423.39     $1121610.91
  47.         $15719.26     $13267.20     $2452.06     $1119158.85
  48.         $15719.26     $13238.20     $2481.06     $1116677.79
  49.         $15719.26     $13208.85     $2510.41     $1114167.38
  50.         $15719.26     $13179.15     $2540.10     $1111627.28
  51.         $15719.26     $13149.11     $2570.15     $1109057.13
  52.         $15719.26     $13118.71     $2600.55     $1106456.58
  53.         $15719.26     $13087.95     $2631.31     $1103825.26
  54.         $15719.26     $13056.82     $2662.44     $1101162.82
  55.         $15719.26     $13025.33     $2693.93     $1098468.89
  56.         $15719.26     $12993.46     $2725.80     $1095743.10
  57.         $15719.26     $12961.22     $2758.04     $1092985.06
  58.         $15719.26     $12928.60     $2790.66     $1090194.39
  59.         $15719.26     $12895.59     $2823.67     $1087370.72
  60.         $15719.26     $12862.19     $2857.07     $1084513.65
  61.         $15719.26     $12828.39     $2890.87     $1081622.78
  62.         $15719.26     $12794.19     $2925.06     $1078697.71
  63.         $15719.26     $12759.59     $2959.66     $1075738.05
  64.         $15719.26     $12724.59     $2994.67     $1072743.37
  65.         $15719.26     $12689.16     $3030.10     $1069713.28
  66.         $15719.26     $12653.32     $3065.94     $1066647.34
  67.         $15719.26     $12617.05     $3102.20     $1063545.13
  68.         $15719.26     $12580.36     $3138.90     $1060406.23
  69.         $15719.26     $12543.23     $3176.03     $1057230.21
  70.         $15719.26     $12505.66     $3213.60     $1054016.61
  71.         $15719.26     $12467.65     $3251.61     $1050765.00
  72.         $15719.26     $12429.19     $3290.07     $1047474.93
  73.         $15719.26     $12390.27     $3328.99     $1044145.94
  74.         $15719.26     $12350.89     $3368.37     $1040777.57
  75.         $15719.26     $12311.05     $3408.21     $1037369.36
  76.         $15719.26     $12270.73     $3448.52     $1033920.83
  77.         $15719.26     $12229.94     $3489.32     $1030431.52
  78.         $15719.26     $12188.67     $3530.59     $1026900.93
  79.         $15719.26     $12146.91     $3572.35     $1023328.57
  80.         $15719.26     $12104.65     $3614.61     $1019713.96
  81.         $15719.26     $12061.89     $3657.36     $1016056.60
  82.         $15719.26     $12018.63     $3700.63     $1012355.97
  83.         $15719.26     $11974.86     $3744.40     $1008611.57
  84.         $15719.26     $11930.57     $3788.69     $1004822.88
  85.         $15719.26     $11885.75     $3833.51     $1000989.37
  86.         $15719.26     $11840.41     $3878.85      $997110.52
  87.         $15719.26     $11794.52     $3924.73      $993185.78
  88.         $15719.26     $11748.10     $3971.16      $989214.62
  89.         $15719.26     $11701.13     $4018.13      $985196.49
  90.         $15719.26     $11653.60     $4065.66      $981130.83
  91.         $15719.26     $11605.50     $4113.75      $977017.07
  92.         $15719.26     $11556.84     $4162.41      $972854.66
  93.         $15719.26     $11507.61     $4211.65      $968643.01
  94.         $15719.26     $11457.79     $4261.47      $964381.54
  95.         $15719.26     $11407.38     $4311.88      $960069.66
  96.         $15719.26     $11356.38     $4362.88      $955706.78
  97.         $15719.26     $11304.77     $4414.49      $951292.29
  98.         $15719.26     $11252.55     $4466.70      $946825.59
  99.         $15719.26     $11199.72     $4519.54      $942306.05
  100.        $15719.26     $11146.26     $4573.00      $937733.05
  101.        $15719.26     $11092.17     $4627.09      $933105.95
  102.        $15719.26     $11037.43     $4681.83      $928424.13
  103.        $15719.26     $10982.05     $4737.21      $923686.92
  104.        $15719.26     $10926.02     $4793.24      $918893.68
  105.        $15719.26     $10869.32     $4849.94      $914043.74
  106.        $15719.26     $10811.95     $4907.31      $909136.43
  107.        $15719.26     $10753.90     $4965.35      $904171.08
  108.        $15719.26     $10695.17     $5024.09      $899146.99
  109.        $15719.26     $10635.74     $5083.52      $894063.47
  110.        $15719.26     $10575.61     $5143.65      $888919.83
  111.        $15719.26     $10514.77     $5204.49      $883715.33
  112.        $15719.26     $10453.21     $5266.05      $878449.28
  113.        $15719.26     $10390.92     $5328.34      $873120.94
  114.        $15719.26     $10327.89     $5391.37      $867729.57
  115.        $15719.26     $10264.11     $5455.14      $862274.42
  116.        $15719.26     $10199.59     $5519.67      $856754.75
  117.        $15719.26     $10134.30     $5584.96      $851169.79
  118.        $15719.26     $10068.23     $5651.02      $845518.76
  119.        $15719.26     $10001.39     $5717.87      $839800.90
  120.        $15719.26     $9933.75      $5785.50      $834015.39
  121.        $15719.26     $9865.32      $5853.94      $828161.45
  122.        $15719.26     $9796.08      $5923.18      $822238.27
  123.        $15719.26     $9726.01      $5993.25      $816245.02
  124.        $15719.26     $9655.12      $6064.14      $810180.88
  125.        $15719.26     $9583.39      $6135.87      $804045.01
  126.        $15719.26     $9510.81      $6208.45      $797836.56
  127.        $15719.26     $9437.37      $6281.89      $791554.67
  128.        $15719.26     $9363.06      $6356.19      $785198.48
  129.        $15719.26     $9287.88      $6431.38      $778767.10
  130.        $15719.26     $9211.80      $6507.45      $772259.65
  131.        $15719.26     $9134.83      $6584.43      $765675.22
  132.        $15719.26     $9056.94      $6662.31      $759012.90
  133.        $15719.26     $8978.14      $6741.12      $752271.78
  134.        $15719.26     $8898.40      $6820.86      $745450.92
  135.        $15719.26     $8817.72      $6901.54      $738549.38
  136.        $15719.26     $8736.08      $6983.18      $731566.20
  137.        $15719.26     $8653.48      $7065.78      $724500.42
  138.        $15719.26     $8569.90      $7149.36      $717351.06
  139.        $15719.26     $8485.33      $7233.93      $710117.13
  140.        $15719.26     $8399.76      $7319.49      $702797.64
  141.        $15719.26     $8313.18      $7406.07      $695391.56
  142.        $15719.26     $8225.58      $7493.68      $687897.88
  143.        $15719.26     $8136.94      $7582.32      $680315.56
  144.        $15719.26     $8047.25      $7672.01      $672643.56
  145.        $15719.26     $7956.50      $7762.76      $664880.80
  146.        $15719.26     $7864.68      $7854.58      $657026.22
  147.        $15719.26     $7771.77      $7947.49      $649078.72
  148.        $15719.26     $7677.76      $8041.50      $641037.22
  149.        $15719.26     $7582.64      $8136.62      $632900.60
  150.        $15719.26     $7486.39      $8232.87      $624667.74
  151.        $15719.26     $7389.01      $8330.25      $616337.49
  152.        $15719.26     $7290.47      $8428.79      $607908.70
  153.        $15719.26     $7190.77      $8528.49      $599380.21
  154.        $15719.26     $7089.89      $8629.37      $590750.84
  155.        $15719.26     $6987.82      $8731.44      $582019.40
  156.        $15719.26     $6884.53      $8834.72      $573184.67
  157.        $15719.26     $6780.03      $8939.23      $564245.45
  158.        $15719.26     $6674.29      $9044.97      $555200.48
  159.        $15719.26     $6567.30      $9151.96      $546048.52
  160.        $15719.26     $6459.05      $9260.21      $536788.31
  161.        $15719.26     $6349.51      $9369.75      $527418.56
  162.        $15719.26     $6238.68      $9480.58      $517937.97
  163.        $15719.26     $6126.53      $9592.72      $508345.25
  164.        $15719.26     $6013.06      $9706.19      $498639.05
  165.        $15719.26     $5898.25      $9821.01      $488818.05
  166.        $15719.26     $5782.08      $9937.18      $478880.87
  167.        $15719.26     $5664.54      $10054.72     $468826.15
  168.        $15719.26     $5545.60      $10173.65     $458652.50
  169.        $15719.26     $5425.26      $10293.99     $448358.50
  170.        $15719.26     $5303.50      $10415.76     $437942.74
  171.        $15719.26     $5180.29      $10538.96     $427403.78
  172.        $15719.26     $5055.63      $10663.63     $416740.15
  173.        $15719.26     $4929.49      $10789.76     $405950.39
  174.        $15719.26     $4801.87      $10917.39     $395032.99
  175.        $15719.26     $4672.73      $11046.53     $383986.46
  176.        $15719.26     $4542.06      $11177.20     $372809.26
  177.        $15719.26     $4409.85      $11309.41     $361499.85
  178.        $15719.26     $4276.07      $11443.18     $350056.67
  179.        $15719.26     $4140.72      $11578.54     $338478.12
  180.        $15719.26     $4003.76      $11715.50     $326762.62
  181.        $15719.26     $3865.18      $11854.08     $314908.54
  182.        $15719.26     $3724.96      $11994.30     $302914.24
  183.        $15719.26     $3583.08      $12136.18     $290778.06
  184.        $15719.26     $3439.53      $12279.73     $278498.33
  185.        $15719.26     $3294.27      $12424.98     $266073.34
  186.        $15719.26     $3147.30      $12571.96     $253501.39
  187.        $15719.26     $2998.59      $12720.67     $240780.72
  188.        $15719.26     $2848.12      $12871.14     $227909.58
  189.        $15719.26     $2695.87      $13023.38     $214886.20
  190.        $15719.26     $2541.82      $13177.43     $201708.76
  191.        $15719.26     $2385.95      $13333.31     $188375.46
  192.        $15719.26     $2228.24      $13491.02     $174884.43
  193.        $15719.26     $2068.66      $13650.60     $161233.83
  194.        $15719.26     $1907.19      $13812.07     $147421.76
  195.        $15719.26     $1743.81      $13975.45     $133446.31
  196.        $15719.26     $1578.50      $14140.76     $119305.54
  197.        $15719.26     $1411.23      $14308.03     $104997.51
  198.        $15719.26     $1241.98      $14477.27     $90520.24
  199.        $15719.26     $1070.74      $14648.52     $75871.71
  200.        $15719.26     $897.46       $14821.79     $61049.92
  201.        $15719.26     $722.14       $14997.12     $46052.80
  202.        $15719.26     $544.74       $15174.51     $30878.28
  203.        $15719.26     $365.25       $15354.01     $15524.27
  204.        $15707.91     $183.63       $15524.27     $0.00
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  TOTAL A PAGAR SEGUNDO TRAMO CAP. + INT. = $3.206.726, 30

Pagado primer tramo $359.999,83 + $3.206.726, 30 (2do. Tramo):

TOTAL  A DEVOLVER  $ 3.566.726,13  sin contar el ajuste de las cuotas del segundo tramo. 

UN DELIRIO.

5 comentarios:

Anónimo dijo...

al Excel no hay con que darle

Anónimo dijo...

Me queda la última etapa del PROCREAR, pero mañana voy al banco y renuncio al PROCREAR y enseguida saco el crédito de Melconian. Una papita.

Anónimo dijo...

¿Me pueden pasar el teléfono de Melconián?

Anónimo dijo...

Si pedis $1,5 Millones , que serían 100.000 dólares, y terminas devolviendo $3,5 Millones,son $2 Milones de intereses, al precio de hoy 133.000 dólares. El 133% de interés en dólares. ¿No perderán guita?

Anónimo dijo...

los préstamos usurarios. Q tipos choros!!!