PROYECCION CREDITO HIPOTECARIO Y/O LEASING HABITACIONAL

Tasa Efectiva anual 13.75% Tasa Mes 1.08% Vr Negocio Ver Tabla Credito C.Inicial Monto Credito 600,000,000 % Cuota Seguro 1.02% Plazo 15 Periodos 180 No cuota Cuota mes Seguro Amort. Capital Interes Total Pago Saldo

600,000,000 1 7,572,786 77,242 1,096,439 6,476,347 7,650,028 598,903,561 2 7,572,786 77,242 1,108,274 6,464,512 7,650,028 597,795,286 3 7,572,786 77,242 1,120,237 6,452,549 7,650,028 596,675,050 4 7,572,786 77,242 1,132,329 6,440,457 7,650,028 595,542,721 5 7,572,786 77,242 1,144,551 6,428,235 7,650,028 594,398,170 6 7,572,786 77,242 1,156,905 6,415,881 7,650,028 593,241,265 7 7,572,786 77,242 1,169,393 6,403,393 7,650,028 592,071,873 8 7,572,786 77,242 1,182,015 6,390,771 7,650,028 590,889,858 9 7,572,786 77,242 1,194,773 6,378,013 7,650,028 589,695,085

10 7,572,786 77,242 1,207,670 6,365,116 7,650,028 588,487,415 11 7,572,786 77,242 1,220,705 6,352,081 7,650,028 587,266,710 12 7,572,786 77,242 1,233,881 6,338,905 7,650,028 586,032,829 13 7,572,786 77,242 1,247,200 6,325,586 7,650,028 584,785,629 14 7,572,786 77,242 1,260,662 6,312,124 7,650,028 583,524,967 15 7,572,786 77,242 1,274,269 6,298,517 7,650,028 582,250,698 16 7,572,786 77,242 1,288,024 6,284,762 7,650,028 580,962,674 17 7,572,786 77,242 1,301,927 6,270,859 7,650,028 579,660,747 18 7,572,786 77,242 1,315,979 6,256,807 7,650,028 578,344,768 19 7,572,786 77,242 1,330,184 6,242,602 7,650,028 577,014,584 20 7,572,786 77,242 1,344,542 6,228,244 7,650,028 575,670,042 21 7,572,786 77,242 1,359,055 6,213,731 7,650,028 574,310,987 22 7,572,786 77,242 1,373,724 6,199,062 7,650,028 572,937,263 23 7,572,786 77,242 1,388,552 6,184,234 7,650,028 571,548,711 24 7,572,786 77,242 1,403,540 6,169,246 7,650,028 570,145,171 25 7,572,786 77,242 1,418,690 6,154,096 7,650,028 568,726,481 26 7,572,786 77,242 1,434,003 6,138,783 7,650,028 567,292,478 27 7,572,786 77,242 1,449,481 6,123,305 7,650,028 565,842,997 28 7,572,786 77,242 1,465,127 6,107,659 7,650,028 564,377,870 29 7,572,786 77,242 1,480,941 6,091,845 7,650,028 562,896,929 30 7,572,786 77,242 1,496,927 6,075,859 7,650,028 561,400,002 31 7,572,786 77,242 1,513,084 6,059,702 7,650,028 559,886,918 32 7,572,786 77,242 1,529,416 6,043,370 7,650,028 558,357,501 33 7,572,786 77,242 1,545,925 6,026,861 7,650,028 556,811,577 34 7,572,786 77,242 1,562,611 6,010,175 7,650,028 555,248,965 35 7,572,786 77,242 1,579,478 5,993,308 7,650,028 553,669,487 36 7,572,786 77,242 1,596,527 5,976,259 7,650,028 552,072,961 37 7,572,786 77,242 1,613,760 5,959,026 7,650,028 550,459,201 38 7,572,786 77,242 1,631,178 5,941,608 7,650,028 548,828,023 39 7,572,786 77,242 1,648,785 5,924,001 7,650,028 547,179,238 40 7,572,786 77,242 1,666,582 5,906,204 7,650,028 545,512,656 41 7,572,786 77,242 1,684,571 5,888,215 7,650,028 543,828,085 42 7,572,786 77,242 1,702,754 5,870,032 7,650,028 542,125,331 43 7,572,786 77,242 1,721,133 5,851,653 7,650,028 540,404,197 44 7,572,786 77,242 1,739,711 5,833,075 7,650,028 538,664,486 45 7,572,786 77,242 1,758,489 5,814,297 7,650,028 536,905,997 46 7,572,786 77,242 1,777,470 5,795,316 7,650,028 535,128,527 47 7,572,786 77,242 1,796,656 5,776,130 7,650,028 533,331,870 48 7,572,786 77,242 1,816,049 5,756,737 7,650,028 531,515,821 49 7,572,786 77,242 1,835,651 5,737,135 7,650,028 529,680,170 50 7,572,786 77,242 1,855,465 5,717,321 7,650,028 527,824,704 51 7,572,786 77,242 1,875,493 5,697,293 7,650,028 525,949,211 52 7,572,786 77,242 1,895,737 5,677,049 7,650,028 524,053,474 53 7,572,786 77,242 1,916,199 5,656,587 7,650,028 522,137,275 54 7,572,786 77,242 1,936,883 5,635,903 7,650,028 520,200,392 55 7,572,786 77,242 1,957,789 5,614,997 7,650,028 518,242,603 56 7,572,786 77,242 1,978,921 5,593,865 7,650,028 516,263,682 57 7,572,786 77,242 2,000,282 5,572,504 7,650,028 514,263,400 58 7,572,786 77,242 2,021,873 5,550,913 7,650,028 512,241,528 59 7,572,786 77,242 2,043,696 5,529,090 7,650,028 510,197,831 60 7,572,786 77,242 2,065,756 5,507,030 7,650,028 508,132,075 61 7,572,786 77,242 2,088,054 5,484,732 7,650,028 506,044,022 62 7,572,786 77,242 2,110,592 5,462,194 7,650,028 503,933,430 63 7,572,786 77,242 2,133,373 5,439,413 7,650,028 501,800,056 64 7,572,786 77,242 2,156,401 5,416,385 7,650,028 499,643,656 65 7,572,786 77,242 2,179,677 5,393,109 7,650,028 497,463,979 66 7,572,786 77,242 2,203,204 5,369,582 7,650,028 495,260,775 67 7,572,786 77,242 2,226,985 5,345,801 7,650,028 493,033,790 68 7,572,786 77,242 2,251,023 5,321,763 7,650,028 490,782,767 69 7,572,786 77,242 2,275,320 5,297,466 7,650,028 488,507,446 70 7,572,786 77,242 2,299,880 5,272,906 7,650,028 486,207,566 71 7,572,786 77,242 2,324,705 5,248,081 7,650,028 483,882,861 72 7,572,786 77,242 2,349,797 5,222,989 7,650,028 481,533,064 73 7,572,786 77,242 2,375,161 5,197,625 7,650,028 479,157,903 74 7,572,786 77,242 2,400,798 5,171,988 7,650,028 476,757,105 75 7,572,786 77,242 2,426,712 5,146,074 7,650,028 474,330,393 76 7,572,786 77,242 2,452,906 5,119,880 7,650,028 471,877,487 77 7,572,786 77,242 2,479,382 5,093,404 7,650,028 469,398,104 78 7,572,786 77,242 2,506,145 5,066,641 7,650,028 466,891,960 79 7,572,786 77,242 2,533,196 5,039,590 7,650,028 464,358,764 80 7,572,786 77,242 2,560,539 5,012,247 7,650,028 461,798,225 81 7,572,786 77,242 2,588,177 4,984,609 7,650,028 459,210,048 82 7,572,786 77,242 2,616,114 4,956,672 7,650,028 456,593,935 83 7,572,786 77,242 2,644,352 4,928,434 7,650,028 453,949,583 84 7,572,786 77,242 2,672,895 4,899,891 7,650,028 451,276,689

Ir a Calculos Rta

85 7,572,786 77,242 2,701,746 4,871,040 7,650,028 448,574,943 86 7,572,786 77,242 2,730,908 4,841,878 7,650,028 445,844,035 87 7,572,786 77,242 2,760,385 4,812,401 7,650,028 443,083,650 88 7,572,786 77,242 2,790,180 4,782,606 7,650,028 440,293,470 89 7,572,786 77,242 2,820,297 4,752,489 7,650,028 437,473,172 90 7,572,786 77,242 2,850,739 4,722,047 7,650,028 434,622,433 91 7,572,786 77,242 2,881,510 4,691,276 7,650,028 431,740,923 92 7,572,786 77,242 2,912,613 4,660,173 7,650,028 428,828,310 93 7,572,786 77,242 2,944,051 4,628,735 7,650,028 425,884,259 94 7,572,786 77,242 2,975,829 4,596,957 7,650,028 422,908,430 95 7,572,786 77,242 3,007,950 4,564,836 7,650,028 419,900,480 96 7,572,786 77,242 3,040,418 4,532,368 7,650,028 416,860,062 97 7,572,786 77,242 3,073,236 4,499,550 7,650,028 413,786,826 98 7,572,786 77,242 3,106,408 4,466,378 7,650,028 410,680,419 99 7,572,786 77,242 3,139,938 4,432,848 7,650,028 407,540,481

100 7,572,786 77,242 3,173,830 4,398,956 7,650,028 404,366,650 101 7,572,786 77,242 3,208,088 4,364,698 7,650,028 401,158,562 102 7,572,786 77,242 3,242,716 4,330,070 7,650,028 397,915,846 103 7,572,786 77,242 3,277,718 4,295,068 7,650,028 394,638,128 104 7,572,786 77,242 3,313,097 4,259,689 7,650,028 391,325,031 105 7,572,786 77,242 3,348,858 4,223,928 7,650,028 387,976,173 106 7,572,786 77,242 3,385,006 4,187,780 7,650,028 384,591,167 107 7,572,786 77,242 3,421,543 4,151,243 7,650,028 381,169,624 108 7,572,786 77,242 3,458,475 4,114,311 7,650,028 377,711,149 109 7,572,786 77,242 3,495,805 4,076,981 7,650,028 374,215,344 110 7,572,786 77,242 3,533,539 4,039,247 7,650,028 370,681,805 111 7,572,786 77,242 3,571,680 4,001,106 7,650,028 367,110,125 112 7,572,786 77,242 3,610,232 3,962,554 7,650,028 363,499,893 113 7,572,786 77,242 3,649,200 3,923,586 7,650,028 359,850,693 114 7,572,786 77,242 3,688,590 3,884,196 7,650,028 356,162,103 115 7,572,786 77,242 3,728,404 3,844,382 7,650,028 352,433,699 116 7,572,786 77,242 3,768,648 3,804,138 7,650,028 348,665,051 117 7,572,786 77,242 3,809,326 3,763,460 7,650,028 344,855,725 118 7,572,786 77,242 3,850,444 3,722,342 7,650,028 341,005,281 119 7,572,786 77,242 3,892,005 3,680,781 7,650,028 337,113,276 120 7,572,786 77,242 3,934,015 3,638,771 7,650,028 333,179,261 121 7,572,786 77,242 3,976,479 3,596,307 7,650,028 329,202,782 122 7,572,786 77,242 4,019,400 3,553,386 7,650,028 325,183,382 123 7,572,786 77,242 4,062,785 3,510,001 7,650,028 321,120,596 124 7,572,786 77,242 4,106,639 3,466,147 7,650,028 317,013,957 125 7,572,786 77,242 4,150,966 3,421,820 7,650,028 312,862,992 126 7,572,786 77,242 4,195,771 3,377,015 7,650,028 308,667,221 127 7,572,786 77,242 4,241,059 3,331,727 7,650,028 304,426,162 128 7,572,786 77,242 4,286,837 3,285,949 7,650,028 300,139,325 129 7,572,786 77,242 4,333,109 3,239,677 7,650,028 295,806,216 130 7,572,786 77,242 4,379,880 3,192,906 7,650,028 291,426,336 131 7,572,786 77,242 4,427,156 3,145,630 7,650,028 286,999,180 132 7,572,786 77,242 4,474,942 3,097,844 7,650,028 282,524,237 133 7,572,786 77,242 4,523,244 3,049,541 7,650,028 278,000,993 134 7,572,786 77,242 4,572,068 3,000,718 7,650,028 273,428,925 135 7,572,786 77,242 4,621,418 2,951,368 7,650,028 268,807,507 136 7,572,786 77,242 4,671,302 2,901,484 7,650,028 264,136,205 137 7,572,786 77,242 4,721,723 2,851,063 7,650,028 259,414,482 138 7,572,786 77,242 4,772,689 2,800,097 7,650,028 254,641,793 139 7,572,786 77,242 4,824,205 2,748,581 7,650,028 249,817,587 140 7,572,786 77,242 4,876,277 2,696,509 7,650,028 244,941,310 141 7,572,786 77,242 4,928,911 2,643,875 7,650,028 240,012,399 142 7,572,786 77,242 4,982,113 2,590,672 7,650,028 235,030,286 143 7,572,786 77,242 5,035,890 2,536,896 7,650,028 229,994,396 144 7,572,786 77,242 5,090,247 2,482,539 7,650,028 224,904,149 145 7,572,786 77,242 5,145,191 2,427,595 7,650,028 219,758,958 146 7,572,786 77,242 5,200,727 2,372,059 7,650,028 214,558,231 147 7,572,786 77,242 5,256,864 2,315,922 7,650,028 209,301,367 148 7,572,786 77,242 5,313,606 2,259,180 7,650,028 203,987,762 149 7,572,786 77,242 5,370,960 2,201,826 7,650,028 198,616,801 150 7,572,786 77,242 5,428,934 2,143,852 7,650,028 193,187,868 151 7,572,786 77,242 5,487,533 2,085,253 7,650,028 187,700,334 152 7,572,786 77,242 5,546,765 2,026,021 7,650,028 182,153,569 153 7,572,786 77,242 5,606,637 1,966,149 7,650,028 176,546,932 154 7,572,786 77,242 5,667,154 1,905,632 7,650,028 170,879,778 155 7,572,786 77,242 5,728,325 1,844,461 7,650,028 165,151,453 156 7,572,786 77,242 5,790,156 1,782,630 7,650,028 159,361,298 157 7,572,786 77,242 5,852,654 1,720,132 7,650,028 153,508,643 158 7,572,786 77,242 5,915,827 1,656,959 7,650,028 147,592,816 159 7,572,786 77,242 5,979,682 1,593,104 7,650,028 141,613,134 160 7,572,786 77,242 6,044,226 1,528,560 7,650,028 135,568,907 161 7,572,786 77,242 6,109,467 1,463,319 7,650,028 129,459,440 162 7,572,786 77,242 6,175,412 1,397,374 7,650,028 123,284,028 163 7,572,786 77,242 6,242,069 1,330,717 7,650,028 117,041,959 164 7,572,786 77,242 6,309,445 1,263,340 7,650,028 110,732,513 165 7,572,786 77,242 6,377,549 1,195,237 7,650,028 104,354,964 166 7,572,786 77,242 6,446,388 1,126,398 7,650,028 97,908,576 167 7,572,786 77,242 6,515,970 1,056,816 7,650,028 91,392,607 168 7,572,786 77,242 6,586,302 986,484 7,650,028 84,806,305 169 7,572,786 77,242 6,657,394 915,392 7,650,028 78,148,910 170 7,572,786 77,242 6,729,254 843,532 7,650,028 71,419,657 171 7,572,786 77,242 6,801,889 770,897 7,650,028 64,617,768 172 7,572,786 77,242 6,875,308 697,478 7,650,028 57,742,461 173 7,572,786 77,242 6,949,519 623,267 7,650,028 50,792,942 174 7,572,786 77,242 7,024,531 548,254 7,650,028 43,768,410 175 7,572,786 77,242 7,100,354 472,432 7,650,028 36,668,057 176 7,572,786 77,242 7,176,994 395,792 7,650,028 29,491,062 177 7,572,786 77,242 7,254,462 318,324 7,650,028 22,236,600 178 7,572,786 77,242 7,332,766 240,020 7,650,028 14,903,834 179 7,572,786 77,242 7,411,915 160,871 7,650,028 7,491,919 180 7,572,786 77,242 7,491,919 80,867 7,650,028 0

1,363,101,475 13,903,635 600,000,000 763,101,475 1,377,005,110

1 Rentas laborales

VA A SOLICITAR CREDITO ? 1 Con crédito

Ver Proyeccion Rta

VA A SOLICITAR CREDITO ?MONTO A SOLICITAR Digitar > 0 $ 600,000,000 PLAZO AÑOS 15 INGRESE TASA EFECTIVA ANUAL 13.75% 1.08%

CUOTA POR MES 7,572,786

CUOTA ANUAL 90,873,432

5%

PROYECCION RENTA 4 AÑOS CON CREDITO DE VIVIENDA A TRAVES DE AFC

CONCEPTO 1 2 3

Rentas laborales 0% 200,000,000 210,000,000 220,500,000 231,525,000

2,271,000 2,384,550 2,503,778 2,628,966

7% 103,000 108,150 113,558 119,235

202,374,000 212,492,700 223,117,335 234,273,202

12% 1,329,120 1,329,120 1,329,120 1,329,120

2.0% 221,520 221,520 221,520 221,520

-

- 91,800,341 91,800,341 91,800,341

68% 69,927 73,423 77,094 80,949

Tope Maximo (30% YNCR) 1,620,567 63,000,000 66,150,000 69,457,500

Ingreso No gravado 1,690,493 63,073,423 66,227,094 69,538,449

2o Benef. : Deducción Interes Vivienda - 28,515,600 28,515,600 28,515,600

Aportes Obligatorios de Salud 4% 443,040 1,329,120 1,329,120 1,329,120

Otras deducciones (tope 50%) 15% 29,659,486 - - - TOTAL DEDUCCIONES 15% 30,102,526 29,844,720 29,844,720 29,844,720

Renta liquida 170,580,981 119,574,557 127,045,521 134,890,033

Renta Exenta Laboral 25% 49,594,858 36,750,000 38,587,500 40,516,875

Renta liquida Gravable 120,986,122 82,824,557 88,458,021 94,373,158

Renta liquida Grav.Promedio mes 10,082,177 6,902,046 7,371,502 7,864,430

Impuesto a Cargo 27,771,000 16,433,000 19,130,000 22,453,000

Retefuente (Anticipo Impto Renta) E - - - -

Saldo a pagar 27,771,000 16,433,000 19,130,000 22,453,000

Saldo a Favor - - - -

Tasa % de tributación 13.7% 7.7% 8.6% 9.6%

- 11,338,000 8,641,000 5,318,000 ### ### ### ###

SIMULACION FINANCIERA Y TRIBUTARIA PARA INGRESOS POR HONORARIOS Y SALARIOS

Por Jovany Jaramillo C.P.U.Eafit-Especialista Finanzas UdeA Tel 317 437-1342 Consultoria y Asesoria Tributaria- Contable- Finanzas y Proyectos-Devoluciones- Declaraciones de Renta

SELECCIONE UNA OPCION POR TIPO DE INGRESOS

% Anual

SIN CRED.VIVIENDA

AG2008

Volver

Dividendos y otros ingresos

Ingresos por Rendimientos Fcros

Total Ingresos Brutos

Aporte Obligatorio de Pensión

Fondo Solidaridad Pensional

Aportes FPV

1er Benef: Pago Anual Cuota Crédito de Vivienda AFC Componente Inflacionario Rendimientos Frcos

Ahorro Anual Impuestos x Credito y AFC

Ver Tabla Credito

Cifras Tribut

Ingrese Datos

Volver a Renta

UVTS A Ñ O S

UVTS MES 240 2,008 2,009 MESES 12 $ 63,515,520 $ 68,437,440 UVTS AÑO 2,880

LIMITE INTERESES VIVIENDA UVTS LIMITES DE INTERESES POR LOS A Ñ O S

UVTS MES 100 2,008 2,009 MESES 12 $ 26,464,800 $ 28,515,600 INTERESES VIVIENDA 1,200

LIMITE OTRAS DEDUCCIONES UVTS BASE SEG SOCIALUVTS MES ING LAB GRAV APOR PENSMESES 12 APOR OBL SALUDSALUD Y EDUCACION 15% < 101.448.000 FONDO SOLID

LIMITE RENTA EXENTA PARA INGRESOS.LABORALES

Ir a Simula

A Ñ O S

2,010 2,011 2,012 2,013 $ 72,201,499 $ 76,172,582 $ 76,172,582 $ 76,172,582

LIMITES DE INTERESES POR LOS A Ñ O S

2,010 2,011 2,011 2,012 $ 28,515,600 $ 28,515,600 $ 28,515,600 $ 28,515,600

SAL BASE ASALAR INDEP 2,400,000 1 12.0% 2 12% 2,400,000 1 4.0% 2 12% 2,400,000 1 1% 2 1.2%