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DOF: 05/04/2017
REGLAS para el Otorgamiento de Créditos a los Trabajadores Derechohabientes del Instituto del Fondo Nacional de la Vivienda para los Trabajadores

REGLAS para el Otorgamiento de Créditos a los Trabajadores Derechohabientes del Instituto del Fondo Nacional de la Vivienda para los Trabajadores.

Al margen un logotipo, que dice: Instituto del Fondo Nacional de la Vivienda para los Trabajadores.

REGLAS PARA EL OTORGAMIENTO DE CRÉDITOS A LOS TRABAJADORES DERECHOHABIENTES DEL INSTITUTO DEL FONDO NACIONAL DE LA VIVIENDA PARA LOS TRABAJADORES.
Con fundamento en los artículos 16, fracción IX, 47 y 48, de la Ley del Instituto del Fondo Nacional de la Vivienda para los Trabajadores, en la sesiones ordinarias número 788, 789 y 791 celebradas los días 30 de noviembre y 14 de diciembre de 2016 y el día 22 de febrero de 2017 respectivamente, el H. Consejo de Administración del Infonavit emitió las resoluciones RCA-5691-11/16, RCA-5757-12/16, RCA 5760-12/16 y RCA-5823-02/17, mediante las cuales aprobó las adecuaciones a las "Reglas para el Otorgamiento de Créditos a los Trabajadores Derechohabientes del Instituto del Fondo Nacional de la Vivienda para los Trabajadores", por lo que ha tenido a bien expedir las siguientes,
REGLAS PARA EL OTORGAMIENTO DE CRÉDITOS A LOS TRABAJADORES DERECHOHABIENTES
DEL INSTITUTO DEL FONDO NACIONAL DE LA VIVIENDA PARA LOS TRABAJADORES
OBJETO
PRIMERA. El H. Consejo de Administración del Instituto del Fondo Nacional de la Vivienda de los Trabajadores expide las presentes Reglas con fundamento en lo dispuesto por el artículo 47 de la Ley del Infonavit, con el objeto de establecer los términos y requisitos conforme a las cuales se otorgarán los créditos a que se refiere la fracción II del artículo 42 de la referida Ley y que se enumeran a continuación:
a).    En línea II, a la adquisición en propiedad de habitaciones, financiadas o no por el Infonavit;
b).   En línea III, a la construcción de vivienda;
c).    En línea IV, a la reparación, ampliación o mejoras de habitaciones, y
d).   En línea V, al pago de pasivos adquiridos por cualquiera de los conceptos anteriores.
DEFINICIONES
SEGUNDA. Para efectos de las presentes Reglas, se tendrán las siguientes definiciones:
Aportación Patronal, significa la aportación que realiza el patrón del Trabajador a la Subcuenta de Vivienda de éste, en los términos dispuestos en la fracción II del artículo 29 de la Ley del Infonavit.
Cobertura por fallecimiento o incapacidad, es aquella prevista en el artículo 51 de la Ley del Infonavit que tiene como objetivo liberar al trabajador que fallezca o tenga una incapacidad total permanente, siempre y cuando esté al corriente en sus pagos. El costo de esta cobertura será a cargo del Infonavit.
Crédito Conyugal, significa el esquema establecido en la Regla Décima Sexta para los conceptos establecidos en los incisos de la Regla Primera para cónyuges.
Crédito Integral, significa los créditos a que se refiere el inciso b) de la Regla Primera, dirigida a grupos de trabajadores.
Crédito para Ecotecnologías, significa el crédito adicional otorgado por el Infonavit a un derechohabiente, para destinarlo a la adquisición e instalación de ecotecnologías.
Crédito por Excedente, significa el crédito otorgado por el Infonavit a un derechohabiente, siempre y cuando el Instituto ceda un porcentaje del crédito otorgado a una entidad financiera y que el derechohabiente cumpla con los criterios de elegibilidad que el Instituto convenga con aquélla.
Cuota de Administración, significa la suma de (i) los gastos que se causan por la administración que realiza el Infonavit del crédito otorgado y (ii) la Prima del Seguro de Daños, a cuyo pago mensual está obligado el Trabajador, según lo estipulado en el ANEXO 2, inciso G, numeral 4.
Cuota Mensual de Amortización del Crédito: es el importe que el Trabajador está obligado a cubrir mensualmente al INFONAVIT para liquidar el saldo insoluto del crédito.
Cuota Mensual de Aportación al Fondo de Protección de Pagos, significa la suma dineraria que el Trabajador se obliga a aportar mensualmente al Fondo de Protección de Pagos.
 
Ecotecnologías, significan los aparatos y equipos que estén instalados o que se incorporen a las viviendas y que, utilizando tecnologías modernas y eficientes, hagan posible el ahorro en el consumo de energía y agua.
Entidad Financiera, significa la entidad o fideicomiso que conforme a las leyes aplicables, estén autorizados para otorgar o adquirir créditos a la vivienda y que, además, reúnan los requisitos que señala la administración.
Fondo de Protección de Pagos: significa el fideicomiso por medio del cual el Trabajador otorga al INFONAVIT la cobertura contra el riesgo de incumplimiento de pago de las amortizaciones mensuales a que se obliga conforme a lo estipulado en el contrato de apertura de crédito, cuando dicho riesgo resulte de la pérdida de su relación laboral.
Gastos de Titulación, Financieros y de Operación, significa la suma de (i) los gastos que se causan por la originación del Crédito Otorgado y (ii) los gastos notariales que se generan por la escrituración del mismo, los cuales son a cargo del Trabajador.
Impuestos y derechos, significa la suma de los impuestos y derechos que causan por los actos que se consignan en la Escritura y por la inscripción de ésta en el registro público de la propiedad que corresponda, los cuales son a cargo del Trabajador.
Infonavit, significa el Instituto del Fondo Nacional de la Vivienda para los Trabajadores.
Ley, significa la Ley del Instituto del Fondo Nacional de la Vivienda para los Trabajadores.
Monto de Crédito, significa la cantidad que conforma el crédito que el Infonavit otorga al trabajador derechohabiente para la adquisición de una solución de vivienda.
Precio de Venta, significa el precio que haya sido pactado entre las partes libre de cualquier descuento, bonificación, devolución o prima en monetario, que haya sido ofrecida o comprometida por el vendedor precisamente al otorgamiento del crédito por el Instituto y con independencia del momento en que se realice dicho descuento, bonificación, devolución o prima.
Prórroga, significa la prórroga en el pago de la amortización a que tiene derecho un trabajador acreditado cuando deja de percibir ingresos, a que se refiere el artículo 41 de la Ley y la Regla Décimo Novena.
Régimen Especial de Amortización, significa el esquema de pago que deberá cumplir el Trabajador, en los siguientes supuestos:
a). Cuando pierda o quedare suspendida la relación laboral que tuviere bajo el régimen del apartado "A" del artículo 123 de la Constitución federal y no hubiere ejercido oportunamente su derecho a la Prórroga;
b). Cuando, al vencimiento de la Prórroga, no esté sujeto a una relación laboral regida por el apartado "A" del artículo 123 de la Constitución federal;
c). Cuando se trate de un Trabajador acreditado que esté jubilado o pensionado bajo el régimen de la Ley del Seguro Social aplicable,
d). Cuando el Trabajador acreditado cambie de empleo y quede sujeto a una relación laboral no regida por el apartado "A" del artículo 123 de la Constitución federal, o
e). Cuando el Trabajador acreditado labore para un patrón que no esté obligado a realizar aportaciones al Instituto.
Régimen Ordinario de Amortización, significa el esquema de pago que deberá cumplir el trabajador cuando no esté en los supuestos del Régimen Especial de Amortización o prórroga.
Retención Mensual, significa la suma de dinero que el patrón le descontará y retendrá al Trabajador de su salario mensual para el efecto de cubrir parcialmente al Infonavit la Suma de Pago Personal.
Salario Mensual Integrado, significa el que resulte menor entre: (i) el promedio del salario diario integrado de los últimos seis bimestres cotizados, o (ii) el salario diario integrado del trabajador correspondiente al mes en que solicita el crédito multiplicado por 30.4.
Segundo Crédito, significa el crédito otorgado en términos del artículo 47 de la Ley a aquellos
trabajadores que terminaron de liquidar el primer crédito otorgado por Infonavit.
Seguro de daños, significa la póliza contratada por el Infonavit que cubre el valor que se estime para la parte destructible de la vivienda, pero sin exceder la suma asegurada que determine el propio Infonavit por vivienda.
Suma de Pago Personal, significa la suma en pesos que el Trabajador está obligado a cubrir mensualmente al Infonavit con la Retención Mensual, más la Aportación Patronal para el pago de la Cuota Mensual de Amortización del Crédito.
Unidad de Medida y Actualización, significa la referencia económica en pesos en términos diarios que determina anualmente el Instituto Nacional de Estadística y Geografía.
Unidad Mensual de Medida y Actualización: es el resultado de multiplicar el valor de la Unidad de Medida y Actualización por 30.4.
Valor de Vivienda, significa el valor menor entre el precio de venta y el valor del avalúo.
CARACTERÍSTICAS DE LA VIVIENDA
TERCERA. La vivienda que se pretenda adquirir, construir, reparar, ampliar, mejorar, o por la que se pretenda cubrir pasivos adquiridos por cualquiera de estos conceptos, deberá ser cómoda e higiénica y estar ubicada en zonas que cuenten con toda la infraestructura urbana: servicios de agua potable, energía eléctrica, drenaje o, en su defecto, fosa séptica y contar con la presencia de ecotecnologías. La vivienda deberá tener una vida útil probable de treinta años, a partir del otorgamiento del crédito, y ser garantía suficiente del mismo.
La vivienda de que se trate deberá tener uso habitacional. No serán susceptibles de ser objeto de crédito aquellos inmuebles que se destinen a accesorias o locales comerciales y, en general, inmuebles de productos.
GARANTÍA
CUARTA. Al formalizarse los créditos, deberá constituirse hipoteca en primer lugar a favor del Instituto o bien garantía fiduciaria a favor del mismo, salvo cuando se trate de créditos sin afectación estructural a la vivienda, correspondientes al inciso C de la Regla Primera, siempre que el saldo de la subcuenta de vivienda sea mayor al monto de crédito.
SISTEMA DE ASIGNACIÓN DE PRIMER CRÉDITO
QUINTA. El Infonavit asignará los primeros créditos a que tienen derecho los trabajadores derechohabientes conforme al sistema de puntuación, que tiene por objeto seleccionar a los trabajadores que serán susceptibles de ser acreditados.
Una vez que la Asamblea General haya aprobado los planes de labores y de financiamientos, el H. Consejo de Administración del Instituto determinará la puntuación mínima exigible para acceder a un crédito y/o por los mecanismos que en su caso se requieran para salvaguardar la originación crediticia.
La puntuación se determinará sumando los puntos correspondientes a cada uno de los factores siguientes:
a).    El salario diario integrado, que se determine en los términos de la fracción II del artículo 29 de la Ley del Instituto del Fondo Nacional de la Vivienda para los Trabajadores y sus disposiciones reglamentarias y la edad del trabajador conforme a la tabla "Edad-salario" que se adjunta a las presentes Reglas como ANEXO 4;
b).   Si el trabajador tiene entre seis y doce bimestres de cotización continua se otorgarán dieciséis puntos; entre trece y quince bimestres se otorgarán veintitrés puntos, y si tiene dieciséis bimestres o más se otorgarán treinta y ocho puntos;
c).    Por cada salario mensual integrado del propio trabajador, dentro del saldo de la subcuenta de vivienda de la cuenta individual del sistema de ahorro para el retiro, se otorgarán:
Límite
inferior
Límite
superior
Puntos
0.00
1.70
24
1.71
2.20
27
2.21
2.60
31
2.61
3.10
33
3.11
3.70
35
3.71
4.50
37
4.51
Sin límite
39
 
d).   Por la aportación del terreno, en los casos de crédito integral, se otorgarán veintiséis puntos.
PRECALIFICACIÓN
SEXTA. El trabajador que pretenda tramitar su crédito con el Infonavit podrá precalificarse a través de los medios que el H. Consejo de Administración del Infonavit autorice para tal efecto.
INSCRIPCIÓN
SÉPTIMA. Los trabajadores derechohabientes que cumplan con lo dispuesto por la regla quinta podrán presentar su solicitud de crédito en las oficinas del Instituto. Los requisitos que deberá cumplir para llevar a cabo la solicitud de su crédito, se establecen en el ANEXO 1. Una vez autorizado el crédito, se deberá contar con los documentos establecidos en el ANEXO 1 Bis para la formalización.
MONTO DE CRÉDITO
OCTAVA. El monto total del crédito que otorgue el Instituto, en ningún caso podrá exceder la suma del monto máximo señalado en los ANEXOS 2 y 5. Para estos efectos se considerará el salario disponible del trabajador, mismo que se determina al deducirle al salario mensual integrado la pensión alimenticia que determine la autoridad competente, en caso de existir.
En términos de lo dispuesto por el artículo 47 de la Ley de Infonavit, los trabajadores que liquiden el crédito otorgado por Infonavit, podrán ser sujetos de un segundo crédito en coparticipación con entidades financieras. Los términos y requisitos del segundo crédito se establecen en el Anexo 3 de las presentes Reglas.
El monto de crédito a que se refiere la presente regla podrá ser reducido hasta en un treinta por ciento de acuerdo con la información de entidades públicas, la construcción y determinación de índices e indicadores que permitan una evaluación integral por parte del Instituto.
APLICACIÓN DE LA SUBCUENTA DE VIVIENDA
NOVENA. Cuando un trabajador reciba un crédito del Instituto, el saldo de la subcuenta de vivienda de la cuenta individual del sistema de ahorro para el retiro se aplicará junto con el monto de dicho crédito, como pago de alguno de los conceptos a que se refieren los incisos de la Regla Primera.
Asimismo, en caso de que no se constituya garantía hipotecaria, el saldo de la subcuenta de vivienda podrá aplicarse para la amortización del crédito, previa validación de que los recursos hayan sido destinados conforme al objeto del crédito.
VALOR DE LA VIVIENDA Y MONTO DE CRÉDITO
DÉCIMA. Las viviendas que sean objeto de los créditos que otorgue el Instituto podrán ser de cualquier valor.
El monto del crédito neto que otorgue el Instituto, más el saldo de la subcuenta de vivienda, más, en su caso, el ahorro voluntario que haya declarado el trabajador en su solicitud de crédito, no podrá superar el Valor de la Vivienda. Esta cantidad se incrementará por el monto correspondiente al financiamiento de ecotecnologías.
GASTOS
DÉCIMA PRIMERA. Se descontará un porcentaje del monto de crédito a otorgar al trabajador por concepto de Gastos de titulación, financieros y de operación y por concepto de impuestos y derechos y durante la administración del crédito el Trabajador Acreditado deberá pagar la Cuota de Administración, en los
términos que se establece en el ANEXO 2 de las presentes Reglas.
Los gastos por impuestos, derechos de registro y avalúo, que se causen, serán a cargo del trabajador, mismos que serán objeto del crédito, sin que se incremente el monto de crédito a otorgar.
PLAZO DE AMORTIZACIÓN
DÉCIMA SEGUNDA. El plazo para la amortización del crédito no será mayor de treinta años de pagos efectivos. Si transcurrido un plazo de treinta años de pagos en los montos correspondientes que está obligado a efectuar el acreditado para la amortización del crédito otorgado existiere todavía algún saldo insoluto a cargo del trabajador, el Instituto lo liberará del pago de dicho saldo pendiente, cancelando los gravámenes que se tengan constituidos a esa fecha sobre la vivienda objeto del crédito, excepto en el caso de que existan pagos omisos del trabajador o prórrogas concedidas.
TASA DE INTERÉS
DÉCIMA TERCERA. Los créditos que se otorguen devengarán intereses conforme a la tasa de interés que resulte aplicable, en términos de lo establecido en el ANEXO 2 a las presentes Reglas.
El Infonavit deberá emitir anualmente un estado de cuenta de cada uno de los créditos otorgados que se encuentren vigentes y entregarlo a cada acreditado, en los tiempos y programación que la Administración determine.
CUOTA DE AMORTIZACIÓN
DÉCIMA CUARTA. Al momento en que se formalice el crédito se establecerá el importe de la Cuota Mensual de Amortización en los términos establecidos en el ANEXO 2, compuesta por la suma de pago personal y, en su caso, por la bonificación que realice el Infonavit. En la Suma de Pago Personal, se contempla la retención mensual que el Infonavit comunicará al patrón o persona a la cual le presta sus servicios el acreditado la cual le debe descontar de su salario, misma que se calculará de manera que se asegure la amortización completa del crédito en el plazo previsto, considerando la tasa de interés establecida y las aportaciones patronales del cinco por ciento que se aplicarán durante la vigencia del crédito para reducir el saldo insoluto a cargo del trabajador.
Es requisito indispensable que en el acto de formalización del crédito el trabajador presente el aviso de retención de descuentos, debidamente sellado y firmado por la empresa en que labora.
El Instituto incorporará en el importe de la Cuota Mensual de Amortización, el importe de la aportación mensual que los propios trabajadores deban efectuar al fondo mutualista a que se hace referencia en la Regla Vigésima para el efecto de mantener debidamente otorgada su correspondiente cobertura.
Los descuentos por concepto de amortización de crédito que efectúe el patrón al salario del trabajador, que aparezcan en su recibo de sueldo y no hayan sido enterados, se considerarán como recibidos por el Infonavit, mismo que procederá contra el patrón.
En caso de que en los recibos de sueldo no estén consignados los descuentos y el trabajador lo haga del conocimiento del Infonavit, éste último le exigirá al patrón lo retenido y ejercerá en su contra las acciones o denuncias que correspondan.
RÉGIMEN ESPECIAL DE AMORTIZACIÓN
DÉCIMA QUINTA. Cuando un trabajador realice el pago de su crédito conforme al Régimen Especial de Amortización, dicho pago se determinará multiplicando el monto original del crédito otorgado por el factor de descuento que le corresponda, considerando el plazo y el ingreso del trabajador a la fecha de originación del crédito, de acuerdo a las Tablas de Factores de Descuento que se establecen en el ANEXO 2.
CRÉDITO CONYUGAL
DÉCIMA SEXTA. Si el trabajador obtiene la precalificación de acuerdo a los medios establecidos por el H. Consejo de Administración y desea aumentar el monto de crédito, su cónyuge podrá precalificarse de igual manera y, en su caso, obtener un crédito hasta por el monto máximo que pudiera corresponderle y ambos créditos se apliquen a una misma vivienda.
Además del caso previsto en el párrafo anterior, el Instituto podrá otorgar crédito a un trabajador derechohabiente en los términos establecidos en las presentes Reglas, cuando su cónyuge, incluso no siendo éste derechohabiente, adquiera o tenga al mismo tiempo la copropiedad de la vivienda y el trabajador
derechohabiente sólo adquiera la copropiedad restante de la misma vivienda a la que se destine dicho crédito, y ambos cónyuges estén en matrimonio bajo el régimen de separación de bienes.
En los supuestos a que se refieren los párrafos anteriores, el cónyuge solicitante del crédito deberá presentar copia certificada del acta de matrimonio, además de los documentos señalados en el ANEXO 1 y, en su oportunidad, el inmueble que se destine como garantía hipotecaria del crédito deberá estar escriturado bajo el régimen de copropiedad.
PAGOS ANTICIPADOS
DÉCIMA SÉPTIMA. El trabajador acreditado podrá, en cualquier tiempo, efectuar pagos anticipados a cuenta del principal durante la vigencia del crédito.
Todo pago anticipado se aplicará a reducir el saldo insoluto del crédito y tendrá efecto a partir del mes siguiente al mes en que se realice.
COPROPIEDAD
DÉCIMA OCTAVA. Si el trabajador acreditado no cuenta con los recursos suficientes para cubrir el pago de su crédito, el Instituto podrá otorgar crédito a otro derechohabiente, que se destinará a la amortización parcial o total del crédito del trabajador acreditado. Este crédito estará garantizado por el mismo inmueble, el cual deberá estar escriturado bajo el régimen de copropiedad en la proporción del saldo de cada uno de los créditos.
El derechohabiente a quien se le otorgue el nuevo crédito deberá cumplir con la puntuación mínima establecida por el H. Consejo de Administración, de acuerdo a lo estipulado en la Regla Quinta.
PRÓRROGAS
DÉCIMA NOVENA. En caso de que un trabajador deje de percibir ingresos salariales, el Instituto le otorgará prórrogas en los importes correspondientes a los pagos de la amortización que tenga que hacer por concepto de capital e intereses ordinarios. Durante dichas prórrogas los intereses ordinarios que se generen se capitalizarán al saldo insoluto del crédito.
Para tal efecto, el trabajador acreditado deberá presentar su solicitud al Instituto dentro del mes siguiente a la fecha en que deje de percibir ingresos salariales. Las prórrogas que se otorguen al trabajador no podrán ser mayores a doce meses cada una, ni exceder, en su conjunto, más de veinticuatro meses y terminarán anticipadamente cuando el trabajador inicie una nueva relación laboral.
Cuando el trabajador no haya solicitado prórroga en el plazo de treinta días naturales posteriores a la fecha en que dejó de percibir ingresos salariales, o el término de ésta hubiere vencido, deberá realizar directamente los pagos de su crédito, hasta en tanto no se encuentre sujeto a una nueva relación laboral, dando aviso al Instituto de esta última situación.
COBERTURAS
VIGÉSIMA. Los créditos que el Instituto otorgue a los trabajadores contarán con una cobertura para los casos de incapacidad total permanente o muerte, así como para los casos de incapacidad parcial permanente del cincuenta por ciento o más, o de invalidez definitiva en los términos previstos por la Ley del Seguro Social, de acuerdo a lo señalado en el artículo 51 de la Ley del Instituto, que libere al trabajador o a sus beneficiarios de las obligaciones, gravámenes o limitaciones de dominio derivados de esos créditos. El costo quedará a cargo del Instituto.
A fin de proteger el patrimonio de los trabajadores, el Instituto contratará, por cuenta del acreditado, el seguro de daños de la vivienda en garantía. Las primas correspondientes se repercutirán al acreditado.
Por su parte, los trabajadores que obtengan un crédito deberán contratar una cobertura de protección de pagos del crédito, ya sea mediante un seguro o un fondo mutualista que los trabajadores constituyan con aportaciones de su propio peculio. Para tal fin, el H. Consejo de Administración emitirá los lineamientos que establezcan las características, condiciones y modalidades que deberá reunir la cobertura de los seguros de protección de pagos o la cobertura que le proporcione el fondo mutualista.
REPRESENTACIÓN
VIGÉSIMA PRIMERA. Los créditos podrán ser solicitados, tramitados y obtenidos en forma personal por
los propios trabajadores o a través de representantes debidamente acreditados ante el Instituto.
Asimismo, podrán ser representantes de los trabajadores para el trámite de los créditos:
a).    Las organizaciones sindicales, debidamente acreditadas ante la Secretaría del Trabajo y Previsión Social o ante la autoridad laboral correspondiente. En el caso de organizaciones sindicales cuyo registro ante esa Secretaría se encuentre en trámite, deberán ser avalados por la Central, Confederación, Federación o Sindicato Nacional al que pertenezcan, y
b).   Las organizaciones empresariales reconocidas.
Los trabajadores que realicen el trámite mediante un representante, deberán entregar a éste, con firma autógrafa, el formato que para el efecto establezca el Instituto, en el cual se otorga la representación, acompañado de copia simple de identificación oficial, en que aparezca la fotografía y firma del trabajador.
En el caso de que el trabajador hubiere firmado dos o más de los formatos a que se refiere el párrafo anterior, sólo se tramitará el último, previa cancelación de los anteriores inscritos en el Instituto.
RECURSO DE INCONFORMIDAD
VIGÉSIMA SEGUNDA. En los casos de inconformidad de los trabajadores sobre su derecho a recibir crédito, así como sobre cualquier acto del Instituto que lesione sus derechos, se podrá promover el recurso de inconformidad en los términos de lo dispuesto en el artículo 52 de la Ley de Instituto y del Reglamento de la Comisión de Inconformidades del Instituto.
CONDICIONES GENERALES DE CONTRATACIÓN
VIGÉSIMA TERCERA. El Director General publicará en el Diario Oficial de la Federación o en la página de Internet del Instituto, las condiciones generales de contratación que éste ofrezca a sus derechohabientes que, de acuerdo con la Ley del Instituto y estas Reglas, tengan derecho a recibir un crédito. Las condiciones generales de contratación, que serán las estipulaciones, cláusulas y pactos que deban integrar los contratos por los que el Instituto otorgue crédito a sus derechohabientes y que, consiguientemente, rijan los derechos y obligaciones del Instituto y de los derechohabientes que sean acreditados, deberán ser aceptadas expresamente por los derechohabientes al celebrar los respectivos contratos con el Instituto.
Las condiciones generales de contratación que se propongan deberán observar lo dispuesto en la Ley del Instituto, las presentes reglas y las políticas de crédito expedidas por la Asamblea General y el H. Consejo de Administración.
El Instituto podrá proponer a los derechohabientes condiciones particulares de contratación que correspondan específicamente al tipo o modalidad de crédito que les otorgue, en cuyo caso se establecerán las condiciones particulares de contratación de que se trate, incluyendo en lo aplicable las cláusulas establecidas en las condiciones generales de contratación.
TRANSITORIOS
ARTÍCULO PRIMERO.- Estas Reglas entrarán en vigor a partir de su aprobación por el H. Consejo de Administración.
ARTÍCULO SEGUNDO.- A la entrada en vigor de las presentes Reglas, se abrogan las Reglas para el Otorgamiento de Créditos a los Trabajadores Derechohabientes del Infonavit, que fueron aprobadas por el H. Consejo de Administración del Instituto y publicadas en el Diario Oficial de la Federación el 15 de abril de 2016, así como las demás disposiciones que se opongan a estas Reglas.
ARTÍCULO TERCERO. Las solicitudes de crédito presentadas al Instituto con anterioridad a la entrada en vigor de las presentes Reglas, se tramitarán conforme a las disposiciones vigentes en la fecha de presentación de dichas solicitudes.
Atentamente,
Ciudad de México, a 6 de marzo de 2017.- El Secretario General, Omar Cedillo Villavicencio.- Rúbrica.
ANEXO 1.
 
Requisitos de la Solicitud de Crédito.
Los trabajadores derechohabientes deberán presentar su solicitud de crédito, con todos los datos requeridos. El Instituto verificará los datos de la solicitud, los cuales deberán ser veraces en su totalidad para poder ejercer el crédito. Deberá estar debidamente llenada y firmada, ya sea autógrafa o electrónicamente.
Además, se deberán integrar los siguientes documentos:
a).    Identificación vigente con fotografía: credencial de elector, pasaporte o cartilla del servicio militar nacional.
b).   Comprobante de domicilio.
c).    Acta de nacimiento.
d).   En su caso, acta de matrimonio.
e).    En su caso, comprobante del pago de ahorro voluntario.
f).    Constancia de participación de un taller de orientación enfocado a que conozcan sus derechos y obligaciones ante el Infonavit.
Adicionalmente, el Instituto solicitará Carta de Consulta a Sociedades de Información Crediticia, salvaguardando en todo momento los derechos de los derechohabientes.
Dependiendo del destino de su crédito, además de los requisitos establecidos en el inciso anterior, el derechohabiente deberá de presentar la siguiente documentación:
Crédito en Línea II.
El trabajador que decida adquirir una vivienda, o su representante, deberá presentar, previo a la formalización del crédito, la siguiente documentación:
a).    La que acredite la propiedad del inmueble, a través de testimonio con datos de inscripción en el Registro Público de la Propiedad, y la personalidad y capacidad legal del vendedor;
b).   El compromiso por escrito del vendedor de sostener su oferta de venta durante un plazo determinado;
c).    Avalúo vigente expedido por institución autorizada para constatar las características y el valor de la vivienda, y
d).   La manifestación por escrito que establezca que con plena libertad es su deseo adquirir la vivienda elegida.
La vivienda deberá estar libre de gravámenes, limitaciones o adeudos fiscales, al momento de la formalización del crédito respectivo. En caso de existir requerimientos adicionales por legislaciones locales se deberá complementar la documentación correspondiente.
Crédito en Líneas III y IV.
El trabajador que desee ejercer el crédito para la construcción en terreno propio o reparación, ampliación o mejora de vivienda deberá presentar la siguiente documentación:
a).    Copia certificada del título de propiedad, debidamente inscrito en el Registro Público de la Propiedad, en la que haga constar que él o su cónyuge es propietario del inmueble en que se llevará a cabo la construcción o reparación, ampliación o mejora. La formalización de la propiedad del inmueble a favor del trabajador podrá llevarse a cabo al momento de la formalización del crédito respectivo. En
caso de construcción, si el trabajador sólo cuenta con los derechos fideicomisarios del terreno podrá presentar la documentación comprobatoria respectiva.
b).   La que certifique que el inmueble se encuentra libre de gravámenes y limitaciones de dominio, así como la que acredite que, respecto del mismo, no existe adeudo alguno por falta de pago de impuesto predial y de los derechos por consumo de agua para el caso de vivienda usada. En caso de que al momento de presentación de esa documentación el inmueble se encuentre con algún gravamen o limitación, éste debe quedar liberado totalmente a la formalización del crédito respectivo.
c).    Los formatos establecidos por el Instituto, en los que se señale el proyecto, presupuesto, especificaciones, programa de obra y calendario de pagos de la obra a ejecutar, elaborada de conformidad con la normatividad técnica institucional, y
d).   El contrato de obra a precio alzado, expresado en moneda nacional, que celebren el trabajador y el constructor, en el que queden establecidas las condiciones y términos en que se llevará a cabo la obra. En caso de autoconstrucción o por la naturaleza de los trabajos a efectuar, el Instituto podrá eximir al trabajador de la presentación de dicho contrato.
Crédito en Línea V.
En los créditos para el pago de pasivos por concepto de vivienda, el trabajador deberá presentar la siguiente documentación:
a).    La escritura pública, inscrita en el Registro Público de la Propiedad, en la que se haga constar que es propietario de la vivienda;
b).   La que certifique que, respecto de la vivienda, no existe adeudo alguno por falta de pago del impuesto predial y de los derechos por consumo de agua;
c).    La carta de instrucción, en donde autorice el acreedor hipotecario el pago del crédito y la cancelación de la hipoteca o, en su caso, la constitución de la garantía hipotecaria, en primer lugar, a favor del Instituto, de conformidad con el estado de cuenta que para el efecto presente, y
d).   Avalúo vigente, expedido por institución autorizada para constatar el valor de la vivienda.
ANEXO 1 BIS
Documentos del expediente de crédito
a)    Constancia de crédito.
b)    Carta de instrucción notarial.
c)     Aviso para la retención de descuentos.
d)    Certificados o verificación de existencia o inexistencia de gravámenes, limitaciones de dominio o anotaciones preventivas y certificado o verificación de la hipoteca ante el Registro Público de la Propiedad.
e)    Reporte de visitas, en su caso.
f)     Póliza de seguro de daños a favor del Infonavit.
g)    Contrato de crédito con garantía hipotecaria.
ANEXO 2.
 
Términos y requisitos aplicables a los créditos
A.    Tabla Montos Máximos de Crédito y de Montos Máximos de Crédito por Excedente.
El monto máximo de crédito tradicional será de 699 UMMA; cuando se trate de Crédito por Excedente será de 798 UMMA. A continuación se establece la Tabla con la que se determina el Monto de Crédito que corresponde a los trabajadores derechohabientes, dependiendo de su salario y del plazo del crédito que se les otorgue:
 
Salario (UMA)
Plazo
(años)
1.0
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
1.9
2.0
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
3.0
30
90
90
92
95
98
102
105
108
112
115
119
123
127
131
135
139
144
147
149
152

154
29
90
90
92
95
98
102
105
108
112
115
119
123
127
131
135
139
144
147
149
152

154
28
90
90
92
95
98
102
105
108
112
115
119
123
127
131
135
139
144
147
149
152

154
27
90
90
92
95
98
102
105
108
112
115
119
123
127
131
135
139
144
147
149
152

154
26
90
90
92
95
98
102
105
108
112
115
119
123
127
131
135
139
144
147
149
152

154
25
86
87
89
92
95
99
102
105
109
112
116
120
124
128
132
136
141
144
146
149

151
24
82
84
86
89
92
96
99
102
106
109
113
117
121
125
129
133
138
141
143
146

148
23
78
81
83
86
89
93
97
100
104
107
111
114
118
122
126
130
135
138
140
143

145
22
74
78
80
84
87
91
94
97
101
104
108
111
115
119
123
127
132
135
137
140

142
21
70
75
77
81
84
88
91
94
98
101
105
108
112
116
120
124
128
131
134
137

139
20
66
72
74
78
81
85
88
91
95
98
101
105
109
113
116
120
125
128
130
133

136
19
63
69
71
75
78
81
85
88
91
94
98
102
105
109
113
116
121
124
126
129

132
18
59
65
68
71
75
78
81
84
88
91
95
98
102
105
109
113
117
120
122
125

128
17
55
62
65
68
71
75
78
81
85
88
91
95
98
102
105
109
113
116
118
121

124
16
52
59
62
65
68
71
74
78
81
84
87
91
94
98
101
104
108
111
114
117

119
15
48
56
58
61
65
68
71
74
77
80
83
87
90
93
97
100
104
107
109
112

115
14
45
52
55
58
61
64
67
70
73
76
79
83
86
89
92
95
99
102
104
107

110
13
41
49
52
54
57
61
63
66
69
72
75
78
81
84
87
91
94
97
99
102

104
12
38
45
48
51
54
57
59
62
65
68
71
74
77
80
82
85
89
91
94
96
99
11
34
42
44
47
50
53
55
58
61
63
66
69
72
74
77
80
83
86
88
90
93
10
31
38
41
43
46
49
51
53
56
59
61
64
66
69
72
74
77
80
82
84
86
9
28
35
37
39
42
44
47
49
51
54
56
59
61
64
66
68
71
73
75
78
80
8
24
31
33
35
38
40
42
44
46
49
51
53
55
58
60
62
65
67
69
71
73
7
21
27
29
31
33
35
37
39
41
43
45
47
49
52
54
56
58
60
62
63
65
6
18
23
25
27
29
31
32
34
36
38
40
41
43
45
47
49
51
52
54
56
57
5
15
20
21
23
24
26
27
29
31
32
34
35
37
38
40
41
43
45
46
48
49
4
12
16
17
18
20
21
22
23
25
26
27
29
30
31
33
34
35
37
38
39
40
3
9
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
2
6
8
8
9
10
11
11
12
13
13
14
15
15
16
17
18
18
19
20
20
21
1
2
4
4
4
5
5
5
6
6
7
7
7
8
8
8
9
9
9
10
10
11
 
 
Salario (UMA)
Plazo
(años)
3.1
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
4.0
4.1
4.2
4.3
4.4
4.5
4.6
4.7
4.8
4.9
5.0
5.1
30
156
158
160
162
164
166
168
169
171
173
174
176
177
178
180
181
182
183
185
186
187
29
156
158
160
162
164
166
168
169
171
173
174
176
177
178
180
181
182
183
185
186
187
28
156
158
160
162
164
166
168
169
171
173
174
176
177
178
180
181
182
183
185
186
187
27
156
158
160
162
164
166
168
169
171
173
174
176
177
178
180
181
182
183
185
186
187
26
156
158
160
162
164
166
168
169
171
173
174
176
177
178
180
181
182
183
185
186
187
25
153
155
157
159
161
163
165
166
168
171
172
174
175
176
178
179
180
181
183
184
185
24
150
153
155
157
159
161
163
164
166
168
169
172
173
174
176
177
178
179
181
182
183
23
148
150
152
154
156
158
161
162
164
166
167
169
170
172
174
175
176
177
179
180
181
22
145
147
149
151
153
156
158
159
161
163
165
167
168
169
171
173
174
175
177
178
179
21
141
144
146
148
150
153
155
156
158
161
162
164
165
167
169
170
171
172
175
176
177
20
138
140
143
145
147
149
152
153
155
157
159
161
162
164
166
167
168
170
172
173
174
19
134
137
139
141
144
146
148
150
152
154
156
158
159
161
163
164
165
167
169
170
171
18
130
133
135
137
140
142
144
146
148
150
152
154
156
157
159
161
162
163
165
167
168
17
126
129
131
133
136
138
140
142
144
146
148
150
152
153
155
157
158
160
162
163
165
16
122
124
126
129
131
133
136
138
140
142
144
146
147
149
151
153
154
156
158
159
161
15
117
119
122
124
126
129
131
133
135
137
139
141
143
144
147
148
150
151
153
155
156
14
112
114
117
119
121
124
126
128
130
132
134
136
138
139
142
143
145
146
148
150
151
13
107
109
111
114
116
118
120
122
124
127
128
131
132
134
136
138
139
141
143
144
146
12
101
103
105
108
110
112
114
116
119
121
122
125
126
128
130
132
133
135
137
138
140
11
95
97
99
102
104
106
108
110
112
114
116
118
120
121
123
125
127
128
130
132
133
10
89
91
93
95
97
99
101
103
105
107
109
111
113
114
116
118
119
121
123
125
126
9
82
84
86
88
90
92
94
96
98
100
101
103
105
107
108
110
112
113
115
117
118
8
75
77
78
80
82
84
86
88
90
91
93
95
97
98
100
101
103
105
106
108
109
7
67
69
71
72
74
76
78
79
81
83
84
86
88
89
91
92
94
95
97
98
100
6
59
61
62
64
65
67
69
70
72
73
75
76
78
79
81
82
83
85
86
88
89
5
50
52
53
55
56
58
59
60
62
63
64
66
67
68
70
71
72
73
75
76
77
4
41
43
44
45
46
47
49
50
51
52
53
54
56
57
58
59
60
61
62
63
64
3
32
33
34
35
36
37
38
38
39
40
41
42
43
44
45
46
47
48
48
49
50
2
22
22
23
24
24
25
26
26
27
28
28
29
30
30
31
32
32
33
34
34
35
1
11
11
12
12
12
13
13
13
14
14
14
15
15
15
16
16
17
17
17
18
18
 
 
Salario (UMA)
Plazo
(años)
5.2
5.3
5.4
5.5
5.6
5.7
5.8
5.9
6.0
6.1
6.2
6.3
6.4
6.5
6.6
6.7
6.8
6.9
7.0
7.1
7.2
30
188
189
190
191
192
193
194
195
196
196
197
198
199
202
210
214
217
220
223
226
230
29
188
189
190
191
192
193
194
195
196
196
197
198
199
202
210
214
217
220
223
226
230
28
188
189
190
191
192
193
194
195
196
196
197
198
199
202
210
214
217
220
223
226
230
27
188
189
190
191
192
193
194
195
196
196
197
198
199
202
210
214
217
220
223
226
230
26
188
189
190
191
192
193
194
195
196
196
197
198
199
202
210
214
217
220
223
226
230
25
186
187
188
189
190
191
192
193
194
194
195
196
197
200
209
212
215
218
222
225
228
24
184
185
186
188
189
190
191
192
193
193
194
195
196
199
207
210
214
217
220
223
226
23
182
184
185
186
187
188
189
190
191
191
192
193
194
197
206
209
212
215
218
221
224
22
180
182
183
184
185
186
187
188
189
189
190
192
193
196
204
207
210
213
216
219
222
21
178
179
180
182
183
184
185
186
187
187
188
190
191
194
201
204
207
211
214
217
220
20
176
177
178
179
180
181
183
184
185
185
186
187
188
191
199
202
205
208
211
214
217
19
173
174
175
176
178
179
180
181
182
182
184
185
186
189
196
199
202
205
208
211
214
18
169
171
172
173
175
176
177
178
179
180
181
182
183
186
193
196
199
202
205
208
211
17
166
167
169
170
171
172
174
175
176
176
178
179
180
183
189
192
195
198
201
204
207
16
162
163
165
166
167
168
170
171
172
173
174
175
176
179
186
188
191
194
197
200
203
15
158
159
160
162
163
164
166
167
168
169
170
171
172
175
181
184
187
189
192
195
198
14
153
154
156
157
158
160
161
162
164
164
165
167
168
170
176
179
182
184
187
190
192
13
147
149
150
152
153
154
156
157
158
159
160
161
163
165
171
173
176
179
181
184
186
12
141
143
144
146
147
149
150
151
153
153
155
156
157
159
165
167
170
172
175
177
180
11
135
136
138
139
141
142
143
145
146
147
148
149
151
153
158
160
163
165
167
170
172
10
128
129
130
132
133
135
136
137
139
140
141
142
143
146
150
152
155
157
159
162
164
9
120
121
122
124
125
127
128
129
131
132
133
134
135
137
142
144
146
148
150
152
154
8
111
112
114
115
116
118
119
120
122
123
124
125
126
128
132
134
136
138
140
142
144
7
101
102
104
105
106
108
109
110
111
112
113
115
116
118
121
123
125
127
129
130
132
6
90
91
93
94
95
96
98
99
100
101
102
103
105
106
109
111
112
114
116
117
119
5
78
80
81
82
83
84
85
87
88
88
89
91
92
93
96
97
98
100
101
103
104
4
65
66
67
68
70
71
72
72
73
74
75
76
77
79
80
82
83
84
85
87
88
3
51
52
53
54
55
55
56
57
58
59
59
60
61
62
63
64
65
66
67
68
69
2
35
36
37
37
38
39
39
40
40
41
42
42
43
44
45
45
46
47
47
48
49
1
18
19
19
19
20
20
20
21
21
21
21
21
21
21
23
24
24
24
25
25
25
 
 
Salario (UMA)
Plazo
(años)
7.3
7.4
7.5
7.6
7.7
7.8
7.9
8.0
8.1
8.2
8.3
8.4
8.5
8.6
8.7
8.8
8.9
9.0
9.1
9.2
9.3
30
233
236
239
242
245
249
252
255
258
261
265
268
271
274
277
281
284
287
290
293
297
29
233
236
239
242
245
249
252
255
258
261
265
268
271
274
277
281
284
287
290
293
297
28
233
236
239
242
245
249
252
255
258
261
265
268
271
274
277
281
284
287
290
293
297
27
233
236
239
242
245
249
252
255
258
261
265
268
271
274
277
281
284
287
290
293
297
26
233
236
239
242
245
249
252
255
258
261
265
268
271
274
277
281
284
287
290
293
297
25
231
234
237
241
244
247
250
253
257
260
263
266
269
272
276
279
282
285
288
291
295
24
229
233
236
239
242
245
248
251
255
258
261
264
267
270
273
277
280
283
286
289
292
23
227
231
234
237
240
243
246
249
252
256
259
262
265
268
271
274
277
281
284
287
290
22
225
228
231
235
238
241
244
247
250
253
256
259
262
265
269
272
275
278
281
284
287
21
223
226
229
232
235
238
241
244
247
250
253
256
259
263
266
269
272
275
278
281
284
20
220
223
226
229
232
235
238
241
244
247
250
253
256
259
262
265
268
271
274
277
280
19
217
220
223
226
229
232
235
238
241
244
247
250
253
256
259
262
265
268
271
274
277
18
214
216
219
222
225
228
231
234
237
240
243
246
249
252
255
257
260
263
266
269
272
17
210
213
215
218
221
224
227
230
233
236
238
241
244
247
250
253
256
259
261
264
267
16
205
208
211
214
217
219
222
225
228
231
234
236
239
242
245
248
250
253
256
259
262
15
200
203
206
209
212
214
217
220
223
225
228
231
234
236
239
242
245
247
250
253
256
14
195
198
200
203
206
208
211
214
217
219
222
225
227
230
233
235
238
241
243
246
249
13
189
192
194
197
199
202
205
207
210
212
215
218
220
223
225
228
231
233
236
238
241
12
182
185
187
190
192
195
197
200
202
205
207
210
212
215
217
220
222
225
227
230
232
11
175
177
179
182
184
187
189
191
194
196
199
201
203
206
208
211
213
215
218
220
223
10
166
168
171
173
175
178
180
182
184
187
189
191
194
196
198
200
203
205
207
210
212
9
157
159
161
163
165
167
170
172
174
176
178
180
182
185
187
189
191
193
195
198
200
8
146
148
150
152
154
156
158
160
162
164
166
168
170
172
174
176
178
180
182
184
186
7
134
136
138
140
141
143
145
147
149
151
152
154
156
158
160
162
164
165
167
169
171
6
121
122
124
126
127
129
131
132
134
136
137
139
141
142
144
146
147
149
151
152
154
5
106
107
109
110
112
113
114
116
117
119
120
122
123
125
126
128
129
130
132
133
135
4
89
90
91
93
94
95
96
98
99
100
101
102
104
105
106
107
109
110
111
112
114
3
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
2
49
50
51
51
52
53
53
54
55
55
56
57
57
58
59
60
60
61
62
62
63
1
26
26
27
27
27
28
28
28
29
29
29
30
30
30
31
31
32
32
32
33
33
 
 
Salario (UMA)
Plazo
(años)
9.4
9.5
9.6
9.7
9.8
9.9
10.
0
10.
1
10.
2
10.
3
10.
4
10.
5
10.
6
10.
7
10.
8
10.
9
11.
0
11.
1
11.
2
11.
3
11.
4
30
300
303
306
309
313
316
319
322
325
329
332
335
338
341
345
348
351
354
357
360
364
29
300
303
306
309
313
316
319
322
325
329
332
335
338
341
345
348
351
354
357
360
364
28
300
303
306
309
313
316
319
322
325
329
332
335
338
341
345
348
351
354
357
360
364
27
300
303
306
309
313
316
319
322
325
329
332
335
338
341
345
348
351
354
357
360
364
26
300
303
306
309
313
316
319
322
325
329
332
335
338
341
345
348
351
354
357
360
364
25
298
301
304
307
310
314
317
320
323
326
330
333
336
339
342
345
349
352
355
358
361
24
296
299
302
305
308
311
314
318
321
324
327
330
333
336
340
343
346
349
352
355
359
23
293
296
299
302
305
309
312
315
318
321
324
327
330
334
337
340
343
346
349
352
355
22
290
293
296
299
303
306
309
312
315
318
321
324
327
330
333
337
340
343
346
349
352
21
287
290
293
296
299
302
305
308
311
315
318
321
324
327
330
333
336
339
342
345
348
20
283
286
290
293
296
299
302
305
308
311
314
317
320
323
326
329
332
335
338
341
344
19
280
282
285
288
291
294
297
300
303
306
309
312
315
318
321
324
327
330
333
336
339
18
275
278
281
284
287
290
293
296
299
301
304
307
310
313
316
319
322
325
328
331
334
17
270
273
276
279
282
284
287
290
293
296
299
302
305
308
310
313
316
319
322
325
328
16
265
267
270
273
276
279
281
284
287
290
293
296
298
301
304
307
310
312
315
318
321
15
258
261
264
267
269
272
275
278
280
283
286
289
291
294
297
300
302
305
308
311
313
14
251
254
257
259
262
265
267
270
273
275
278
281
283
286
289
292
294
297
300
302
305
13
244
246
249
251
254
257
259
262
264
267
270
272
275
277
280
282
285
288
290
293
295
12
235
237
240
242
245
247
250
252
255
257
260
262
265
267
270
272
275
277
280
282
285
11
225
227
230
232
235
237
239
242
244
247
249
251
254
256
259
261
263
266
268
271
273
10
214
216
219
221
223
225
228
230
232
235
237
239
241
244
246
248
251
253
255
257
260
9
202
204
206
208
210
213
215
217
219
221
223
226
228
230
232
234
236
238
241
243
245
8
188
190
192
194
196
198
200
202
204
206
208
210
212
214
216
218
220
222
224
226
228
7
173
175
176
178
180
182
184
186
187
189
191
193
195
197
199
200
202
204
206
208
210
6
156
157
159
161
162
164
166
167
169
170
172
174
175
177
179
180
182
184
185
187
189
5
136
138
139
141
142
144
145
146
148
149
151
152
154
155
157
158
160
161
162
164
165
4
115
116
117
118
120
121
122
123
125
126
127
128
129
131
132
133
134
136
137
138
139
3
91
92
93
94
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
2
64
64
65
66
66
67
68
68
69
70
70
71
72
72
73
74
75
75
76
77
77
1
33
34
34
34
35
35
36
36
36
37
37
37
38
38
38
39
39
39
40
40
41
 
 
Salario (UMA)
Plazo
(años)
11.
5
11.
6
11.
7
11.
8
11.
9
12.
0
12.
1
12.
2
12.
3
12.
4
12.
5
12.
6
12.
7
12.
8
12.
9
13.
0
13.
1
13.
2
13.
3
13.
4
13.
5
30
367
370
373
376
380
383
386
389
392
396
399
402
405
408
412
415
418
421
424
428
431
29
367
370
373
376
380
383
386
389
392
396
399
402
405
408
412
415
418
421
424
428
431
28
367
370
373
376
380
383
386
389
392
396
399
402
405
408
412
415
418
421
424
428
431
27
367
370
373
376
380
383
386
389
392
396
399
402
405
408
412
415
418
421
424
428
431
26
367
370
373
376
380
383
386
389
392
396
399
402
405
408
412
415
418
421
424
428
431
25
364
368
371
374
377
380
383
387
390
393
396
399
402
406
409
412
415
418
422
425
428
24
362
365
368
371
374
377
381
384
387
390
393
396
399
403
406
409
412
415
418
421
425
23
359
362
365
368
371
374
377
380
384
387
390
393
396
399
402
405
409
412
415
418
421
22
355
358
361
364
367
371
374
377
380
383
386
389
392
395
398
401
405
408
411
414
417
21
351
354
357
360
363
367
370
373
376
379
382
385
388
391
394
397
400
403
406
409
412
20
347
350
353
356
359
362
365
368
371
374
377
380
383
386
389
392
395
398
401
404
407
19
342
345
348
351
354
357
360
363
366
369
372
375
378
381
384
387
390
393
396
399
402
18
337
340
342
345
348
351
354
357
360
363
366
369
372
375
378
381
384
386
389
392
395
17
331
333
336
339
342
345
348
351
354
356
359
362
365
368
371
374
377
379
382
385
388
16
324
327
329
332
335
338
341
343
346
349
352
355
358
360
363
366
369
372
375
377
380
15
316
319
322
324
327
330
333
335
338
341
344
346
349
352
355
357
360
363
366
368
371
14
308
310
313
316
318
321
324
326
329
332
334
337
340
342
345
348
350
353
356
359
361
13
298
301
303
306
308
311
314
316
319
321
324
327
329
332
334
337
340
342
345
347
350
12
287
290
292
295
297
300
302
305
307
310
312
315
317
320
322
325
327
330
332
335
337
11
275
278
280
283
285
287
290
292
295
297
299
302
304
307
309
311
314
316
319
321
323
10
262
264
267
269
271
273
276
278
280
283
285
287
289
292
294
296
299
301
303
305
308
9
247
249
251
253
256
258
260
262
264
266
269
271
273
275
277
279
281
284
286
288
290
8
230
232
234
236
238
240
242
244
246
248
250
252
254
256
258
260
262
264
266
268
270
7
211
213
215
217
219
221
223
224
226
228
230
232
234
235
237
239
241
243
245
246
248
6
190
192
194
195
197
199
200
202
204
205
207
209
210
212
214
215
217
219
220
222
224
5
167
168
170
171
173
174
176
177
178
180
181
183
184
186
187
189
190
192
193
195
196
4
140
142
143
144
145
147
148
149
150
152
153
154
155
156
158
159
160
161
163
164
165
3
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
126
127
128
129
130
2
78
79
79
80
81
81
82
83
83
84
85
85
86
87
87
88
89
90
90
91
92
1
41
41
42
42
42
43
43
43
44
44
45
45
45
46
46
46
47
47
47
48
48
 
 
Salario (UMA)
Plazo
(años)
13.
6
13.
7
13.
8
13.
9
14.
0
14.
1
14.
2
14.
3
14.
4
14.
5
14.
6
14.
7
14.
8
14.
9
15.
0
15.
1
15.
2
15.
3
15.
4
15.
5
15.
6
30
434
437
440
444
447
450
453
456
460
463
466
469
472
475
479
482
485
488
491
495
498
29
434
437
440
444
447
450
453
456
460
463
466
469
472
475
479
482
485
488
491
495
498
28
434
437
440
444
447
450
453
456
460
463
466
469
472
475
479
482
485
488
491
495
498
27
434
437
440
444
447
450
453
456
460
463
466
469
472
475
479
482
485
488
491
495
498
26
434
437
440
444
447
450
453
456
460
463
466
469
472
475
479
482
485
488
491
495
498
25
431
434
437
441
444
447
450
453
456
460
463
466
469
472
475
479
482
485
488
491
495
24
428
431
434
437
440
444
447
450
453
456
459
462
466
469
472
475
478
481
484
488
491
23
424
427
430
434
437
440
443
446
449
452
455
458
462
465
468
471
474
477
480
483
487
22
420
423
426
429
432
436
439
442
445
448
451
454
457
460
463
466
470
473
476
479
482
21
415
419
422
425
428
431
434
437
440
443
446
449
452
455
458
461
464
467
471
474
477
20
410
413
416
419
422
425
428
432
435
438
441
444
447
450
453
456
459
462
465
468
471
19
405
408
411
414
417
420
422
425
428
431
434
437
440
443
446
449
452
455
458
461
464
18
398
401
404
407
410
413
416
419
422
425
428
430
433
436
439
442
445
448
451
454
457
17
391
394
397
400
403
405
408
411
414
417
420
423
426
428
431
434
437
440
443
446
449
16
383
386
389
391
394
397
400
403
406
408
411
414
417
420
422
425
428
431
434
437
439
15
374
377
379
382
385
388
390
393
396
399
401
404
407
410
413
415
418
421
424
426
429
14
364
367
369
372
375
377
380
383
385
388
391
393
396
399
401
404
407
409
412
415
417
13
353
355
358
360
363
366
368
371
373
376
379
381
384
386
389
392
394
397
399
402
405
12
340
342
345
347
350
352
355
357
360
362
365
367
370
372
375
377
380
383
385
388
390
11
326
328
331
333
335
338
340
343
345
347
350
352
355
357
359
362
364
367
369
371
374
10
310
312
315
317
319
321
324
326
328
331
333
335
337
340
342
344
346
349
351
353
356
9
292
294
297
299
301
303
305
307
309
312
314
316
318
320
322
325
327
329
331
333
335
8
272
274
276
278
280
282
284
286
288
290
292
294
296
298
300
302
304
306
308
310
313
7
250
252
254
256
258
259
261
263
265
267
269
270
272
274
276
278
280
281
283
285
287
6
225
227
229
230
232
234
235
237
239
240
242
244
245
247
249
250
252
253
255
257
258
5
197
199
200
202
203
205
206
208
209
211
212
213
215
216
218
219
221
222
224
225
227
4
166
167
169
170
171
172
174
175
176
177
178
180
181
182
183
185
186
187
188
190
191
3
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
2
92
93
94
94
95
96
96
97
98
98
99
100
100
101
102
102
103
104
105
105
106
1
48
49
49
50
50
50
51
51
51
52
52
52
53
53
54
54
54
55
55
55
56
 
 
Salario (UMA)
Plazo
(años)
15.
7
15.
8
15.
9
16.
0
16.
1
16.
2
16.
3
16.
4
16.
5
16.
6
16.
7
16.
8
16.
9
17.
0
17.
1
17.
2
17.
3
17.
4
17.
5
17.
6
17.
7
30
501
504
507
511
514
517
520
523
527
530
533
536
539
543
546
549
552
555
559
562
565
29
501
504
507
511
514
517
520
523
527
530
533
536
539
543
546
549
552
555
559
562
565
28
501
504
507
511
514
517
520
523
527
530
533
536
539
543
546
549
552
555
559
562
565
27
501
504
507
511
514
517
520
523
527
530
533
536
539
543
546
549
552
555
559
562
565
26
501
504
507
511
514
517
520
523
527
530
533
536
539
543
546
549
552
555
559
562
565
25
498
501
504
507
510
514
517
520
523
526
529
533
536
539
542
545
548
552
555
558
561
24
494
497
500
503
507
510
513
516
519
522
525
529
532
535
538
541
544
547
551
554
557
23
490
493
496
499
502
505
508
512
515
518
521
524
527
530
533
537
540
543
546
549
552
22
485
488
491
494
497
500
504
507
510
513
516
519
522
525
528
531
534
538
541
544
547
21
480
483
486
489
492
495
498
501
504
507
510
513
516
519
523
526
529
532
535
538
541
20
474
477
480
483
486
489
492
495
498
501
504
507
510
513
516
519
522
525
528
531
534
19
467
470
473
476
479
482
485
488
491
494
497
500
503
506
509
512
515
518
521
524
527
18
460
463
466
469
471
474
477
480
483
486
489
492
495
498
501
504
507
510
513
515
518
17
451
454
457
460
463
466
469
472
474
477
480
483
486
489
492
495
498
500
503
506
509
16
442
445
448
451
453
456
459
462
465
468
470
473
476
479
482
484
487
490
493
496
499
15
432
435
437
440
443
446
448
451
454
457
459
462
465
468
470
473
476
479
481
484
487
14
420
423
425
428
431
434
436
439
442
444
447
450
452
455
458
460
463
466
468
471
474
13
407
410
412
415
417
420
423
425
428
430
433
436
438
441
443
446
449
451
454
456
459
12
393
395
398
400
403
405
408
410
413
415
418
420
423
425
428
430
433
435
438
440
443
11
376
379
381
383
386
388
391
393
395
398
400
403
405
407
410
412
415
417
419
422
424
10
358
360
362
365
367
369
372
374
376
378
381
383
385
388
390
392
394
397
399
401
404
9
337
340
342
344
346
348
350
352
355
357
359
361
363
365
368
370
372
374
376
378
380
8
315
317
319
321
323
325
327
329
331
333
335
337
339
341
343
345
347
349
351
353
355
7
289
291
293
294
296
298
300
302
304
305
307
309
311
313
315
316
318
320
322
324
326
6
260
262
263
265
267
268
270
272
273
275
277
278
280
282
283
285
287
288
290
292
293
5
228
229
231
232
234
235
237
238
240
241
243
244
245
247
248
250
251
253
254
256
257
4
192
193
194
196
197
198
199
201
202
203
204
205
207
208
209
210
212
213
214
215
216
3
152
153
154
155
156
157
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
2
107
107
108
109
109
110
111
111
112
113
113
114
115
115
116
117
117
118
119
120
120
1
56
56
57
57
57
58
58
59
59
59
60
60
60
61
61
61
62
62
63
63
63
 
 
Salario (UMA)
Plazo
(años)
17.
8
17.
9
18.
0
18.
1
18.
2
18.
3
18.
4
18.
5
18.
6
18.
7
18.
8
18.
9
19.
0
19.
1
19.
2
19.
3
19.
4
19.
5
19.
6
19.
7
19.
8
30
568
571
575
578
581
584
587
591
594
597
600
603
606
610
613
616
619
622
626
629
632
29
568
571
575
578
581
584
587
591
594
597
600
603
606
610
613
616
619
622
626
629
632
28
568
571
575
578
581
584
587
591
594
597
600
603
606
610
613
616
619
622
626
629
632
27
568
571
575
578
581
584
587
591
594
597
600
603
606
610
613
616
619
622
626
629
632
26
568
571
575
578
581
584
587
591
594
597
600
603
606
610
613
616
619
622
626
629
632
25
564
567
571
574
577
580
583
587
590
593
596
599
602
606
609
612
615
618
621
625
628
24
560
563
566
570
573
576
579
582
585
588
592
595
598
601
604
607
610
614
617
620
623
23
555
558
562
565
568
571
574
577
580
583
587
590
593
596
599
602
605
608
611
615
618
22
550
553
556
559
562
565
568
572
575
578
581
584
587
590
593
596
599
602
606
609
612
21
544
547
550
553
556
559
562
565
568
571
575
578
581
584
587
590
593
596
599
602
605
20
537
540
543
546
549
552
555
558
561
564
567
570
573
577
580
583
586
589
592
595
598
19
530
533
536
539
542
545
548
551
554
557
560
562
565
568
571
574
577
580
583
586
589
18
521
524
527
530
533
536
539
542
545
548
551
554
557
559
562
565
568
571
574
577
580
17
512
515
518
521
523
526
529
532
535
538
541
544
546
549
552
555
558
561
564
567
569
16
501
504
507
510
513
515
518
521
524
527
530
532
535
538
541
544
547
549
552
555
558
15
490
492
495
498
501
503
506
509
512
514
517
520
523
525
528
531
534
536
539
542
545
14
476
479
482
484
487
490
492
495
498
501
503
506
509
511
514
517
519
522
525
527
530
13
462
464
467
469
472
475
477
480
482
485
488
490
493
495
498
501
503
506
508
511
514
12
445
448
450
453
455
458
460
463
465
468
470
473
475
478
480
483
485
488
490
493
495
11
427
429
431
434
436
439
441
443
446
448
451
453
455
458
460
463
465
467
470
472
475
10
406
408
410
413
415
417
420
422
424
426
429
431
433
436
438
440
442
445
447
449
451
9
383
385
387
389
391
393
396
398
400
402
404
406
408
411
413
415
417
419
421
424
426
8
357
359
361
363
365
367
369
371
373
375
377
379
381
383
385
387
389
391
393
395
397
7
328
329
331
333
335
337
339
340
342
344
346
348
350
352
353
355
357
359
361
363
364
6
295
297
298
300
302
303
305
307
308
310
312
313
315
317
318
320
322
323
325
327
328
5
259
260
261
263
264
266
267
269
270
272
273
275
276
277
279
280
282
283
285
286
288
4
218
219
220
221
223
224
225
226
228
229
230
231
232
234
235
236
237
239
240
241
242
3
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
189
190
191
2
121
122
122
123
124
124
125
126
126
127
128
128
129
130
130
131
132
132
133
134
135
1
64
64
64
65
65
65
66
66
66
67
67
68
68
68
69
69
69
70
70
70
71
 
 
Salario (UMA)
Plazo
(años)
19.
9
20.
0
20.
1
20.
2
20.
3
20.
4
20.
5
20.
6
20.
7
20.
8
20.
9
21.
0
21.
1
21.
2
21.
3
21.
4
21.
5
21.
6
21.
7
21.
8
21.
9
30
635
638
642
645
648
651
654
658
661
664
667
670
674
677
680
683
686
690
693
696
699
29
635
638
642
645
648
651
654
658
661
664
667
670
674
677
680
683
686
690
693
696
699
28
635
638
642
645
648
651
654
658
661
664
667
670
674
677
680
683
686
690
693
696
699
27
635
638
642
645
648
651
654
658
661
664
667
670
674
677
680
683
686
690
693
696
699
26
635
638
642
645
648
651
654
658
661
664
667
670
674
677
680
683
686
690
693
696
699
25
631
634
637
640
644
647
650
653
656
660
663
666
669
672
675
679
682
685
688
691
694
24
626
629
632
636
639
642
645
648
651
655
658
661
664
667
670
673
677
680
683
686
689
23
621
624
627
630
633
636
640
643
646
649
652
655
658
661
665
668
671
674
677
680
683
22
615
618
621
624
627
630
633
637
640
643
646
649
652
655
658
661
664
667
671
674
677
21
608
611
614
617
620
623
627
630
633
636
639
642
645
648
651
654
657
660
663
666
669
20
601
604
607
610
613
616
619
622
625
628
631
634
637
640
643
646
649
652
655
658
661
19
592
595
598
601
604
607
610
613
616
619
622
625
628
631
634
637
640
643
646
649
652
18
583
586
589
592
595
598
600
603
606
609
612
615
618
621
624
627
630
633
636
639
642
17
572
575
578
581
584
587
590
593
595
598
601
604
607
610
613
616
618
621
624
627
630
16
561
563
566
569
572
575
578
580
583
586
589
592
594
597
600
603
606
609
611
614
617
15
547
550
553
556
558
561
564
567
569
572
575
578
580
583
586
589
591
594
597
600
602
14
533
535
538
541
543
546
549
551
554
557
559
562
565
567
570
573
576
578
581
584
586
13
516
519
521
524
527
529
532
534
537
540
542
545
547
550
552
555
558
560
563
565
568
12
498
500
503
505
508
510
513
515
518
520
523
525
528
530
533
535
538
540
543
545
548
11
477
479
482
484
487
489
491
494
496
499
501
503
506
508
511
513
515
518
520
523
525
10
454
456
458
461
463
465
467
470
472
474
477
479
481
483
486
488
490
493
495
497
499
9
428
430
432
434
436
439
441
443
445
447
449
452
454
456
458
460
462
464
467
469
471
8
399
401
403
405
407
409
411
413
415
417
419
421
423
425
427
429
431
433
435
437
439
7
366
368
370
372
374
375
377
379
381
383
385
387
388
390
392
394
396
398
399
401
403
6
330
332
333
335
336
338
340
341
343
345
346
348
350
351
353
355
356
358
360
361
363
5
289
291
292
293
295
296
298
299
301
302
304
305
307
308
309
311
312
314
315
317
318
4
243
245
246
247
248
250
251
252
253
254
256
257
258
259
261
262
263
264
266
267
268
3
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
2
135
136
137
137
138
139
139
140
141
141
142
143
143
144
145
145
146
147
147
148
149
1
71
72
72
72
73
73
73
74
74
74
75
75
75
76
76
77
77
77
78
78
78
 
 
Salario (UMA)
Plazo
(años)
22.
0
22.
1
22.
2
22.
3
22.
4
22.
5
22.
6
22.
7
22.
8
22.
9
23.
0
23.
1
23.
2
23.
3
23.
4
23.
5
23.
6
23.
7
23.
8
23.
9
24.
0
30
702
706
709
712
715
718
721
725
728
731
734
737
741
744
747
750
753
757
760
763
766
29
702
706
709
712
715
718
721
725
728
731
734
737
741
744
747
750
753
757
760
763
766
28
702
706
709
712
715
718
721
725
728
731
734
737
741
744
747
750
753
757
760
763
766
27
702
706
709
712
715
718
721
725
728
731
734
737
741
744
747
750
753
757
760
763
766
26
702
706
709
712
715
718
721
725
728
731
734
737
741
744
747
750
753
757
760
763
766
25
698
701
704
707
710
713
717
720
723
726
729
733
736
739
742
745
748
752
755
758
761
24
692
695
699
702
705
708
711
714
718
721
724
727
730
733
736
740
743
746
749
752
755
23
686
690
693
696
699
702
705
708
711
715
718
721
724
727
730
733
736
739
743
746
749
22
680
683
686
689
692
695
698
701
705
708
711
714
717
720
723
726
729
732
735
739
742
21
672
675
679
682
685
688
691
694
697
700
703
706
709
712
715
718
721
724
727
731
734
20
664
667
670
673
676
679
682
685
688
691
694
697
700
703
706
709
712
715
718
722
725
19
655
658
661
664
667
670
673
676
679
682
685
688
691
694
697
700
703
705
708
711
714
18
644
647
650
653
656
659
662
665
668
671
674
677
680
683
685
688
691
694
697
700
703
17
633
636
639
641
644
647
650
653
656
659
662
664
667
670
673
676
679
682
685
688
690
16
620
623
625
628
631
634
637
640
642
645
648
651
654
656
659
662
665
668
671
673
676
15
605
608
611
614
616
619
622
625
627
630
633
636
638
641
644
647
649
652
655
658
660
14
589
592
594
597
600
602
605
608
610
613
616
618
621
624
626
629
632
634
637
640
643
13
571
573
576
578
581
584
586
589
591
594
597
599
602
604
607
610
612
615
617
620
623
12
550
553
555
558
560
563
565
568
570
573
575
578
580
583
585
588
590
593
595
598
600
11
527
530
532
535
537
539
542
544
547
549
551
554
556
559
561
563
566
568
571
573
575
10
502
504
506
509
511
513
515
518
520
522
525
527
529
531
534
536
538
541
543
545
547
9
473
475
477
479
482
484
486
488
490
492
495
497
499
501
503
505
507
510
512
514
516
8
441
443
445
447
449
451
453
455
457
459
461
463
465
467
469
471
473
475
477
479
481
7
405
407
409
410
412
414
416
418
420
422
423
425
427
429
431
433
434
436
438
440
442
6
365
366
368
370
371
373
375
376
378
380
381
383
385
386
388
390
391
393
395
396
398
5
320
321
323
324
325
327
328
330
331
333
334
336
337
339
340
341
343
344
346
347
349
4
269
270
272
273
274
275
277
278
279
280
281
283
284
285
286
288
289
290
291
292
294
3
213
214
215
216
217
218
219
220
220
221
222
223
224
225
226
227
228
229
230
231
232
2
150
150
151
152
152
153
154
154
155
156
156
157
158
158
159
160
160
161
162
162
163
1
79
79
79
80
80
81
81
81
82
82
82
83
83
83
84
84
84
85
85
86
86
 
 
Salario (UMA)
Plazo
(años)
24.1
24.2
24.3
24.4
24.5
24.6
24.7
24.8
24.9
25.0
30
769
773
776
779
782
785
789
792
795
798
29
769
773
776
779
782
785
789
792
795
798
28
769
773
776
779
782
785
789
792
795
798
27
769
773
776
779
782
785
789
792
795
798
26
769
773
776
779
782
785
789
792
795
798
25
764
767
771
774
777
780
783
786
790
793
24
758
762
765
768
771
774
777
781
784
787
23
752
755
758
761
764
768
771
774
777
780
22
745
748
751
754
757
760
763
766
769
773
21
737
740
743
746
749
752
755
758
761
764
20
728
731
734
737
740
743
746
749
752
755
19
717
720
723
726
729
732
735
738
741
744
18
706
709
712
715
718
721
724
727
729
732
17
693
696
699
702
705
708
711
713
716
719
16
679
682
685
687
690
693
696
699
702
704
15
663
666
669
671
674
677
680
682
685
688
14
645
648
651
653
656
659
661
664
667
669
13
625
628
630
633
636
638
641
643
646
649
12
603
605
608
610
613
615
618
620
623
625
11
578
580
583
585
587
590
592
595
597
599
10
550
552
554
556
559
561
563
566
568
570
9
518
520
523
525
527
529
531
533
535
538
8
483
485
487
489
491
493
495
497
499
501
7
444
446
447
449
451
453
455
457
458
460
6
400
401
403
405
406
408
410
411
413
415
5
350
352
353
355
356
357
359
360
362
363
4
295
296
297
299
300
301
302
304
305
306
3
233
234
235
236
237
238
239
240
241
242
2
164
165
165
166
167
167
168
169
169
170
1
86
87
87
87
88
88
88
89
89
90
 
B.    Tasa de Interés.
La tasa de interés será fijada por el H. Consejo de Administración del Infonavit y publicada en su página de Internet.
C.    Tabla de Factores de descuento Régimen Ordinario de Amortización.
 
Salario (UMA)
Plazo
(años)
1.0
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
1.9
2.0
30
0.002222
0.003300
0.003522
0.003695
0.003857
0.003971
0.004114
0.004250
0.004339
0.004461
0.004538
29
0.002222
0.003300
0.003522
0.003695
0.003857
0.003971
0.004114
0.004250
0.004339
0.004461
0.004538
28
0.002222
0.003300
0.003522
0.003695
0.003857
0.003971
0.004114
0.004250
0.004339
0.004461
0.004538
27
0.002222
0.003300
0.003522
0.003695
0.003857
0.003971
0.004114
0.004250
0.004339
0.004461
0.004538
26
0.002222
0.003300
0.003522
0.003695
0.003857
0.003971
0.004114
0.004250
0.004339
0.004461
0.004538
25
0.002326
0.003414
0.003640
0.003815
0.003979
0.004091
0.004235
0.004371
0.004459
0.004580
0.004655
24
0.002439
0.003536
0.003767
0.003944
0.004109
0.004219
0.004364
0.004500
0.004585
0.004706
0.004779
23
0.002564
0.003667
0.003904
0.004081
0.004247
0.004355
0.004454
0.004590
0.004673
0.004794
0.004865
22
0.002703
0.003808
0.004050
0.004179
0.004345
0.004451
0.004596
0.004732
0.004812
0.004933
0.005000
21
0.002857
0.003960
0.004208
0.004333
0.004500
0.004602
0.004747
0.004883
0.004959
0.005079
0.005143
20
0.003030
0.004125
0.004378
0.004500
0.004667
0.004765
0.004909
0.005044
0.005116
0.005235
0.005347
19
0.003175
0.004304
0.004563
0.004680
0.004846
0.005000
0.005082
0.005216
0.005341
0.005457
0.005510
18
0.003390
0.004569
0.004765
0.004944
0.005040
0.005192
0.005333
0.005464
0.005523
0.005637
0.005684
17
0.003636
0.004790
0.004985
0.005162
0.005324
0.005400
0.005538
0.005667
0.005718
0.005830
0.005934
16
0.003846
0.005034
0.005226
0.005400
0.005559
0.005704
0.005838
0.005885
0.006000
0.006107
0.006207
15
0.004167
0.005304
0.005586
0.005754
0.005815
0.005956
0.006085
0.006203
0.006312
0.006413
0.006506
14
0.004444
0.005712
0.005891
0.006052
0.006197
0.006328
0.006448
0.006557
0.006658
0.006750
0.006835
13
0.004878
0.006061
0.006231
0.006500
0.006632
0.006639
0.006857
0.006955
0.007043
0.007125
0.007200
12
0.005263
0.006600
0.006750
0.006882
0.007000
0.007105
0.007322
0.007403
0.007477
0.007544
0.007606
11
0.005882
0.007071
0.007364
0.007468
0.007560
0.007642
0.007855
0.007914
0.007967
0.008143
0.008182
10
0.006452
0.007816
0.007902
0.008163
0.008217
0.008265
0.008471
0.008660
0.008679
0.008695
0.008852
9
0.007143
0.008486
0.008757
0.009000
0.009000
0.009205
0.009191
0.009367
0.009529
0.009500
0.009643
8
0.008333
0.009581
0.009818
0.010029
0.009947
0.010125
0.010286
0.010432
0.010565
0.010469
0.010588
7
0.009524
0.011000
0.011172
0.011323
0.011455
0.011571
0.011676
0.011769
0.011854
0.011930
0.012000
6
0.011111
0.012913
0.012960
0.013000
0.013034
0.013065
0.013500
0.013500
0.013500
0.013500
0.013500
5
0.013333
0.014850
0.015429
0.015261
0.015750
0.015577
0.016000
0.015828
0.015677
0.016031
0.015882
4
0.016667
0.018563
0.019059
0.019500
0.018900
0.019286
0.019636
0.019957
0.019440
0.019731
0.020000
3
0.022222
0.024750
0.024923
0.025071
0.025200
0.025313
0.025412
0.025500
0.025579
0.025650
0.025714
2
0.033333
0.037125
0.040500
0.039000
0.037800
0.036818
0.039273
0.038250
0.037385
0.039462
0.038571
1
0.100000
0.074250
0.081000
0.087750
0.075600
0.081000
0.086400
0.076500
0.081000
0.073286
0.077143
 
 
Salario (UMA)
Plazo
(años)
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
3.0
3.1
30
0.004610
0.004677
0.004740
0.004800
0.004856
0.004875
0.004959
0.005074
0.005151
0.005260
0.005365
29
0.004610
0.004677
0.004740
0.004800
0.004856
0.004875
0.004959
0.005074
0.005151
0.005260
0.005365
28
0.004610
0.004677
0.004740
0.004800
0.004856
0.004875
0.004959
0.005074
0.005151
0.005260
0.005365
27
0.004610
0.004677
0.004740
0.004800
0.004856
0.004875
0.004959
0.005074
0.005151
0.005260
0.005365
26
0.004610
0.004677
0.004740
0.004800
0.004856
0.004875
0.004959
0.005074
0.005151
0.005260
0.005365
25
0.004725
0.004790
0.004852
0.004909
0.004963
0.004979
0.005063
0.005178
0.005255
0.005364
0.005471
24
0.004846
0.004909
0.004968
0.005023
0.005075
0.005087
0.005170
0.005287
0.005363
0.005473
0.005580
23
0.004974
0.005034
0.005090
0.005143
0.005192
0.005200
0.005283
0.005400
0.005476
0.005586
0.005655
22
0.005108
0.005165
0.005218
0.005268
0.005315
0.005318
0.005400
0.005518
0.005593
0.005704
0.005772
21
0.005250
0.005304
0.005353
0.005400
0.005444
0.005484
0.005565
0.005642
0.005715
0.005827
0.005936
20
0.005400
0.005450
0.005496
0.005586
0.005625
0.005616
0.005695
0.005815
0.005887
0.005956
0.006065
19
0.005559
0.005657
0.005697
0.005735
0.005819
0.005802
0.005879
0.006000
0.006070
0.006136
0.006246
18
0.005786
0.005824
0.005914
0.005945
0.005973
0.006000
0.006075
0.006197
0.006264
0.006328
0.006438
17
0.005968
0.006061
0.006088
0.006171
0.006193
0.006212
0.006284
0.006407
0.006471
0.006532
0.006643
16
0.006231
0.006319
0.006337
0.006416
0.006490
0.006500
0.006568
0.006632
0.006692
0.006807
0.006861
15
0.006517
0.006600
0.006677
0.006680
0.006750
0.006750
0.006813
0.006936
0.006991
0.007043
0.007154
14
0.006831
0.006907
0.006978
0.007043
0.007105
0.007091
0.007147
0.007269
0.007318
0.007364
0.007473
13
0.007269
0.007333
0.007393
0.007448
0.007418
0.007468
0.007515
0.007636
0.007676
0.007788
0.007822
12
0.007662
0.007714
0.007763
0.007902
0.007941
0.007888
0.008011
0.008043
0.008156
0.008182
0.008287
11
0.008217
0.008250
0.008392
0.008416
0.008438
0.008458
0.008477
0.008591
0.008700
0.008710
0.008811
10
0.008859
0.009000
0.009000
0.009000
0.009122
0.009117
0.009113
0.009220
0.009321
0.009419
0.009404
9
0.009610
0.009738
0.009703
0.009818
0.009926
0.009887
0.009986
0.010080
0.010038
0.010125
0.010207
8
0.010698
0.010800
0.010707
0.010800
0.010887
0.010800
0.010881
0.010957
0.011028
0.011096
0.011160
7
0.012064
0.012122
0.011942
0.012000
0.012054
0.012103
0.012150
0.012194
0.012429
0.012462
0.012493
6
0.013829
0.013814
0.013800
0.013787
0.013776
0.013765
0.014019
0.014000
0.013982
0.014211
0.014186
5
0.016200
0.016054
0.016342
0.016200
0.016463
0.016326
0.016200
0.016435
0.016313
0.016531
0.016740
4
0.019552
0.019800
0.020032
0.019636
0.019853
0.020057
0.019703
0.019895
0.020077
0.020250
0.020415
3
0.025773
0.025826
0.025875
0.025920
0.025962
0.026000
0.026036
0.026069
0.026100
0.026129
0.026156
2
0.037800
0.039600
0.038813
0.038118
0.037500
0.039000
0.038368
0.037800
0.039150
0.038571
0.038045
1
0.081000
0.074250
0.077625
0.081000
0.075000
0.078000
0.081000
0.075600
0.078300
0.073636
0.076091
 
 
Salario (UMA)
Plazo
(años)
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
4.0
4.1
4.2
30
0.005468
0.005569
0.005667
0.005762
0.005855
0.005946
0.006071
0.006158
0.006243
0.006362
0.006443
29
0.005468
0.005569
0.005667
0.005762
0.005855
0.005946
0.006071
0.006158
0.006243
0.006362
0.006443
28
0.005468
0.005569
0.005667
0.005762
0.005855
0.005946
0.006071
0.006158
0.006243
0.006362
0.006443
27
0.005468
0.005569
0.005667
0.005762
0.005855
0.005946
0.006071
0.006158
0.006243
0.006362
0.006443
26
0.005468
0.005569
0.005667
0.005762
0.005855
0.005946
0.006071
0.006158
0.006243
0.006362
0.006443
25
0.005574
0.005675
0.005774
0.005870
0.005963
0.006055
0.006181
0.006268
0.006316
0.006436
0.006517
24
0.005647
0.005748
0.005847
0.005943
0.006037
0.006129
0.006256
0.006343
0.006429
0.006550
0.006593
23
0.005760
0.005862
0.005961
0.006058
0.006152
0.006205
0.006333
0.006421
0.006506
0.006629
0.006710
22
0.005878
0.005980
0.006079
0.006176
0.006231
0.006323
0.006453
0.006540
0.006626
0.006709
0.006790
21
0.006000
0.006103
0.006203
0.006300
0.006353
0.006445
0.006577
0.006665
0.006708
0.006833
0.006915
20
0.006171
0.006231
0.006331
0.006429
0.006523
0.006572
0.006706
0.006794
0.006879
0.006962
0.007043
19
0.006307
0.006410
0.006511
0.006563
0.006658
0.006750
0.006840
0.006928
0.007013
0.007096
0.007177
18
0.006496
0.006600
0.006701
0.006750
0.006845
0.006938
0.007027
0.007115
0.007200
0.007283
0.007364
17
0.006698
0.006802
0.006902
0.006949
0.007043
0.007136
0.007225
0.007313
0.007397
0.007480
0.007560
16
0.006968
0.007071
0.007116
0.007214
0.007308
0.007346
0.007435
0.007521
0.007606
0.007688
0.007767
15
0.007261
0.007303
0.007403
0.007500
0.007535
0.007626
0.007714
0.007800
0.007883
0.007964
0.008043
14
0.007579
0.007615
0.007714
0.007810
0.007839
0.007929
0.008016
0.008100
0.008182
0.008261
0.008338
13
0.007927
0.008027
0.008053
0.008147
0.008237
0.008325
0.008410
0.008492
0.008504
0.008648
0.008656
12
0.008388
0.008486
0.008500
0.008591
0.008679
0.008763
0.008845
0.008849
0.008926
0.009074
0.009072
11
0.008907
0.009000
0.009000
0.009087
0.009170
0.009250
0.009327
0.009402
0.009474
0.009543
0.009610
10
0.009495
0.009581
0.009663
0.009742
0.009818
0.009891
0.009961
0.010029
0.010093
0.010156
0.010216
9
0.010286
0.010360
0.010432
0.010500
0.010565
0.010628
0.010688
0.010745
0.010800
0.010960
0.011010
8
0.011221
0.011423
0.011475
0.011524
0.011571
0.011616
0.011659
0.011700
0.011868
0.011903
0.011937
7
0.012522
0.012549
0.012750
0.012770
0.012789
0.012808
0.012987
0.013000
0.013012
0.013179
0.013186
6
0.014164
0.014371
0.014344
0.014538
0.014507
0.014478
0.014657
0.014625
0.014795
0.014760
0.014921
5
0.016615
0.016811
0.016691
0.016875
0.016759
0.016932
0.017100
0.016984
0.017143
0.017297
0.017182
4
0.020093
0.020250
0.020400
0.020543
0.020681
0.020388
0.020520
0.020647
0.020769
0.020887
0.021000
3
0.026182
0.026206
0.026229
0.026250
0.026270
0.026289
0.027000
0.027000
0.027000
0.027000
0.027000
2
0.039273
0.038739
0.038250
0.039375
0.038880
0.038423
0.039462
0.039000
0.038571
0.039536
0.039103
1
0.078545
0.074250
0.076500
0.078750
0.074769
0.076846
0.078923
0.075214
0.077143
0.079071
0.075600
 
 
Salario (UMA)
Plazo
(años)
4.3
4.4
4.5
4.6
4.7
4.8
4.9
5.0
5.1
5.2
5.3
30
0.006559
0.006674
0.006750
0.006862
0.006973
0.007082
0.007151
0.007258
0.007364
0.007468
0.007571
29
0.006559
0.006674
0.006750
0.006862
0.006973
0.007082
0.007151
0.007258
0.007364
0.007468
0.007571
28
0.006559
0.006674
0.006750
0.006862
0.006973
0.007082
0.007151
0.007258
0.007364
0.007468
0.007571
27
0.006559
0.006674
0.006750
0.006862
0.006973
0.007082
0.007151
0.007258
0.007364
0.007468
0.007571
26
0.006559
0.006674
0.006750
0.006862
0.006973
0.007082
0.007151
0.007258
0.007364
0.007468
0.007571
25
0.006634
0.006750
0.006826
0.006939
0.007050
0.007160
0.007230
0.007337
0.007443
0.007548
0.007652
24
0.006711
0.006828
0.006903
0.007017
0.007129
0.007240
0.007309
0.007418
0.007525
0.007630
0.007735
23
0.006829
0.006907
0.006983
0.007097
0.007210
0.007322
0.007391
0.007500
0.007608
0.007714
0.007777
22
0.006911
0.007030
0.007105
0.007179
0.007293
0.007406
0.007475
0.007584
0.007693
0.007800
0.007863
21
0.007036
0.007114
0.007189
0.007306
0.007421
0.007535
0.007560
0.007670
0.007780
0.007888
0.007994
20
0.007167
0.007244
0.007319
0.007437
0.007554
0.007624
0.007692
0.007803
0.007914
0.007977
0.008085
19
0.007302
0.007379
0.007454
0.007573
0.007691
0.007760
0.007828
0.007941
0.008053
0.008116
0.008224
18
0.007442
0.007567
0.007642
0.007714
0.007833
0.007951
0.008018
0.008084
0.008196
0.008308
0.008368
17
0.007638
0.007765
0.007839
0.007911
0.008032
0.008100
0.008167
0.008282
0.008345
0.008458
0.008569
16
0.007898
0.007973
0.008046
0.008118
0.008240
0.008308
0.008373
0.008491
0.008553
0.008667
0.008779
15
0.008119
0.008250
0.008265
0.008392
0.008460
0.008583
0.008647
0.008710
0.008827
0.008886
0.009000
14
0.008413
0.008547
0.008556
0.008685
0.008752
0.008877
0.008939
0.009000
0.009119
0.009176
0.009292
13
0.008795
0.008866
0.008934
0.009000
0.009129
0.009191
0.009252
0.009375
0.009432
0.009551
0.009604
12
0.009214
0.009281
0.009346
0.009409
0.009541
0.009600
0.009657
0.009783
0.009836
0.009957
0.010007
11
0.009675
0.009818
0.009878
0.009936
0.009992
0.010125
0.010177
0.010227
0.010353
0.010400
0.010522
10
0.010274
0.010421
0.010474
0.010525
0.010664
0.010711
0.010756
0.010800
0.010929
0.010969
0.011093
9
0.011057
0.011103
0.011250
0.011291
0.011330
0.011469
0.011504
0.011538
0.011669
0.011700
0.011826
8
0.011969
0.012122
0.012150
0.012297
0.012320
0.012343
0.012481
0.012500
0.012633
0.012649
0.012777
7
0.013193
0.013348
0.013352
0.013500
0.013500
0.013642
0.013639
0.013776
0.013770
0.013901
0.014029
6
0.014885
0.015038
0.015000
0.015146
0.015289
0.015247
0.015384
0.015341
0.015472
0.015600
0.015725
5
0.017328
0.017471
0.017357
0.017493
0.017625
0.017753
0.017640
0.017763
0.017883
0.018000
0.017888
4
0.020732
0.020842
0.020948
0.021051
0.021150
0.021246
0.021339
0.021429
0.021516
0.021600
0.021682
3
0.027000
0.027000
0.027000
0.027000
0.027000
0.027000
0.027563
0.027551
0.027540
0.027529
0.027519
2
0.038700
0.039600
0.039194
0.038813
0.039656
0.039273
0.038912
0.039706
0.039343
0.040114
0.039750
1
0.077400
0.079200
0.075938
0.077625
0.074647
0.076235
0.077824
0.075000
0.076500
0.078000
0.075316
 
 
Salario (UMA)
Plazo
(años)
Salario
(UMA)
5.5
5.6
5.7
5.8
5.9
6.0
6.1
6.2
6.3
6.4
30
0.007674
0.007775
0.007875
0.007974
0.008072
0.008169
0.008265
0.008403
0.008497
0.008591
0.008683
29
0.007674
0.007775
0.007875
0.007974
0.008072
0.008169
0.008265
0.008403
0.008497
0.008591
0.008683
28
0.007674
0.007775
0.007875
0.007974
0.008072
0.008169
0.008265
0.008403
0.008497
0.008591
0.008683
27
0.007674
0.007775
0.007875
0.007974
0.008072
0.008169
0.008265
0.008403
0.008497
0.008591
0.008683
26
0.007674
0.007775
0.007875
0.007974
0.008072
0.008169
0.008265
0.008403
0.008497
0.008591
0.008683
25
0.007755
0.007857
0.007958
0.008058
0.008156
0.008254
0.008351
0.008490
0.008585
0.008679
0.008772
24
0.007839
0.007899
0.008000
0.008100
0.008199
0.008297
0.008394
0.008534
0.008629
0.008723
0.008816
23
0.007881
0.007984
0.008086
0.008186
0.008286
0.008384
0.008482
0.008623
0.008719
0.008813
0.008907
22
0.007967
0.008071
0.008173
0.008274
0.008374
0.008473
0.008571
0.008714
0.008811
0.008859
0.008953
21
0.008100
0.008159
0.008262
0.008364
0.008465
0.008565
0.008663
0.008807
0.008904
0.008953
0.009047
20
0.008191
0.008296
0.008400
0.008503
0.008557
0.008658
0.008757
0.008903
0.009000
0.009096
0.009191
19
0.008331
0.008438
0.008494
0.008598
0.008700
0.008801
0.008901
0.009049
0.009098
0.009195
0.009290
18
0.008477
0.008584
0.008640
0.008744
0.008847
0.008949
0.009050
0.009150
0.009249
0.009346
0.009443
17
0.008627
0.008735
0.008842
0.008948
0.009000
0.009103
0.009205
0.009358
0.009404
0.009503
0.009600
16
0.008836
0.008946
0.009054
0.009161
0.009212
0.009316
0.009419
0.009520
0.009621
0.009720
0.009818
15
0.009113
0.009167
0.009276
0.009384
0.009434
0.009539
0.009643
0.009746
0.009847
0.009947
0.010047
14
0.009346
0.009459
0.009570
0.009619
0.009727
0.009833
0.009878
0.010043
0.010145
0.010186
0.010286
13
0.009720
0.009770
0.009882
0.009994
0.010038
0.010146
0.010253
0.010358
0.010463
0.010565
0.010601
12
0.010125
0.010171
0.010286
0.010329
0.010440
0.010550
0.010588
0.010765
0.010800
0.010904
0.011006
11
0.010565
0.010683
0.010723
0.010838
0.010951
0.010986
0.011096
0.011204
0.011311
0.011416
0.011444
10
0.011215
0.011250
0.011368
0.011400
0.011515
0.011628
0.011655
0.011764
0.011872
0.011979
0.012084
9
0.011951
0.011976
0.012096
0.012118
0.012234
0.012349
0.012366
0.012477
0.012586
0.012694
0.012800
8
0.012789
0.012913
0.013034
0.013042
0.013160
0.013275
0.013279
0.013390
0.013500
0.013608
0.013714
7
0.014019
0.014143
0.014264
0.014250
0.014367
0.014482
0.014595
0.014705
0.014814
0.014791
0.014897
6
0.015677
0.015798
0.015916
0.016031
0.015980
0.016091
0.016200
0.016307
0.016412
0.016515
0.016457
5
0.018000
0.018110
0.018217
0.018321
0.018424
0.018310
0.018409
0.018716
0.018809
0.018692
0.018783
4
0.021761
0.021838
0.021600
0.021676
0.021750
0.022125
0.022192
0.022257
0.022320
0.022382
0.022442
3
0.027509
0.027500
0.027491
0.027982
0.027964
0.027947
0.027931
0.027915
0.028373
0.028350
0.028328
2
0.039405
0.040135
0.039789
0.039462
0.040154
0.039825
0.040500
0.040171
0.039857
0.040500
0.040186
1
0.076737
0.078158
0.075600
0.076950
0.078300
0.075857
0.077143
0.078429
0.079714
0.081000
0.082286
 
 
Salario (UMA)
Plazo
(años)
6.5
6.6
6.7
6.8
6.9
7.0
7.1
7.2
7.3
7.4
7.5
30
0.008688
0.008486
0.008453
0.008461
0.008468
0.008475
0.008482
0.008452
0.008459
0.008466
0.008473
29
0.008688
0.008486
0.008453
0.008461
0.008468
0.008475
0.008482
0.008452
0.008459
0.008466
0.008473
28
0.008688
0.008486
0.008453
0.008461
0.008468
0.008475
0.008482
0.008452
0.008459
0.008466
0.008473
27
0.008688
0.008486
0.008453
0.008461
0.008468
0.008475
0.008482
0.008452
0.008459
0.008466
0.008473
26
0.008688
0.008486
0.008453
0.008461
0.008468
0.008475
0.008482
0.008452
0.008459
0.008466
0.008473
25
0.008775
0.008526
0.008533
0.008540
0.008546
0.008514
0.008520
0.008526
0.008532
0.008538
0.008544
24
0.008819
0.008609
0.008614
0.008579
0.008585
0.008591
0.008596
0.008602
0.008607
0.008575
0.008581
23
0.008909
0.008650
0.008656
0.008660
0.008665
0.008670
0.008674
0.008679
0.008683
0.008649
0.008654
22
0.008954
0.008735
0.008739
0.008743
0.008746
0.008750
0.008753
0.008757
0.008760
0.008763
0.008766
21
0.009046
0.008866
0.008868
0.008870
0.008829
0.008832
0.008834
0.008836
0.008839
0.008841
0.008843
20
0.009188
0.008955
0.008955
0.008956
0.008957
0.008957
0.008958
0.008959
0.008959
0.008960
0.008960
19
0.009286
0.009092
0.009090
0.009089
0.009088
0.009087
0.009085
0.009084
0.009083
0.009082
0.009081
18
0.009435
0.009233
0.009230
0.009226
0.009223
0.009220
0.009216
0.009213
0.009210
0.009250
0.009247
17
0.009590
0.009429
0.009422
0.009415
0.009409
0.009403
0.009397
0.009391
0.009386
0.009380
0.009419
16
0.009804
0.009581
0.009622
0.009613
0.009603
0.009594
0.009585
0.009576
0.009615
0.009606
0.009597
15
0.010029
0.009845
0.009832
0.009818
0.009857
0.009844
0.009831
0.009818
0.009855
0.009842
0.009830
14
0.010324
0.010125
0.010106
0.010088
0.010125
0.010107
0.010089
0.010125
0.010108
0.010091
0.010125
13
0.010636
0.010421
0.010457
0.010432
0.010408
0.010442
0.010418
0.010452
0.010429
0.010406
0.010438
12
0.011038
0.010800
0.010832
0.010800
0.010831
0.010800
0.010831
0.010800
0.010830
0.010800
0.010829
11
0.011471
0.011278
0.011306
0.011264
0.011291
0.011317
0.011276
0.011302
0.011263
0.011288
0.011313
10
0.012021
0.011880
0.011901
0.011845
0.011866
0.011887
0.011833
0.011854
0.011873
0.011893
0.011842
9
0.012810
0.012549
0.012563
0.012575
0.012588
0.012600
0.012612
0.012623
0.012554
0.012566
0.012578
8
0.013711
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014873
0.014727
0.014707
0.014688
0.014669
0.014651
0.014746
0.014727
0.014709
0.014691
0.014674
6
0.016557
0.016349
0.016297
0.016393
0.016342
0.016293
0.016385
0.016336
0.016289
0.016377
0.016331
5
0.018871
0.018563
0.018649
0.018735
0.018630
0.018713
0.018612
0.018692
0.018594
0.018673
0.018578
4
0.022215
0.022275
0.022061
0.022120
0.022179
0.022235
0.022034
0.022091
0.022146
0.022200
0.022253
3
0.028306
0.028286
0.028266
0.028246
0.028227
0.028209
0.028191
0.028174
0.028157
0.028141
0.028125
2
0.039886
0.039600
0.040200
0.039913
0.039638
0.040213
0.039938
0.039673
0.040224
0.039960
0.039706
1
0.083571
0.077478
0.075375
0.076500
0.077625
0.075600
0.076680
0.077760
0.075808
0.076846
0.075000
 
 
Salario (UMA)
Plazo
(años)
7.6
7.7
7.8
7.9
8.0
8.1
8.2
8.3
8.4
8.5
8.6
30
0.008479
0.008486
0.008458
0.008464
0.008471
0.008477
0.008483
0.008457
0.008463
0.008469
0.008474
29
0.008479
0.008486
0.008458
0.008464
0.008471
0.008477
0.008483
0.008457
0.008463
0.008469
0.008474
28
0.008479
0.008486
0.008458
0.008464
0.008471
0.008477
0.008483
0.008457
0.008463
0.008469
0.008474
27
0.008479
0.008486
0.008458
0.008464
0.008471
0.008477
0.008483
0.008457
0.008463
0.008469
0.008474
26
0.008479
0.008486
0.008458
0.008464
0.008471
0.008477
0.008483
0.008457
0.008463
0.008469
0.008474
25
0.008515
0.008520
0.008526
0.008532
0.008538
0.008510
0.008515
0.008521
0.008526
0.008532
0.008537
24
0.008586
0.008591
0.008596
0.008601
0.008606
0.008576
0.008581
0.008586
0.008591
0.008596
0.008600
23
0.008658
0.008663
0.008667
0.008671
0.008675
0.008679
0.008648
0.008653
0.008656
0.008660
0.008664
22
0.008732
0.008735
0.008739
0.008742
0.008745
0.008748
0.008751
0.008754
0.008757
0.008760
0.008762
21
0.008845
0.008847
0.008849
0.008851
0.008852
0.008854
0.008856
0.008858
0.008859
0.008861
0.008829
20
0.008961
0.008961
0.008962
0.008962
0.008963
0.008963
0.008964
0.008964
0.008964
0.008965
0.008965
19
0.009080
0.009079
0.009078
0.009077
0.009076
0.009075
0.009074
0.009073
0.009072
0.009071
0.009070
18
0.009243
0.009240
0.009237
0.009234
0.009231
0.009228
0.009225
0.009222
0.009220
0.009217
0.009214
17
0.009413
0.009407
0.009402
0.009396
0.009391
0.009386
0.009381
0.009416
0.009411
0.009406
0.009401
16
0.009589
0.009581
0.009616
0.009608
0.009600
0.009592
0.009584
0.009577
0.009610
0.009603
0.009595
15
0.009818
0.009807
0.009841
0.009829
0.009818
0.009807
0.009840
0.009829
0.009818
0.009808
0.009839
14
0.010108
0.010092
0.010125
0.010109
0.010093
0.010078
0.010110
0.010095
0.010080
0.010110
0.010096
13
0.010416
0.010447
0.010426
0.010405
0.010435
0.010414
0.010443
0.010423
0.010404
0.010432
0.010413
12
0.010800
0.010828
0.010800
0.010827
0.010800
0.010827
0.010800
0.010826
0.010800
0.010825
0.010800
11
0.011275
0.011299
0.011262
0.011286
0.011309
0.011273
0.011296
0.011261
0.011284
0.011305
0.011272
10
0.011861
0.011880
0.011831
0.011850
0.011868
0.011886
0.011840
0.011857
0.011874
0.011830
0.011847
9
0.012589
0.012600
0.012611
0.012547
0.012558
0.012569
0.012580
0.012590
0.012600
0.012610
0.012551
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014657
0.014745
0.014727
0.014710
0.014694
0.014678
0.014662
0.014743
0.014727
0.014712
0.014696
6
0.016286
0.016370
0.016326
0.016282
0.016364
0.016321
0.016279
0.016358
0.016317
0.016277
0.016352
5
0.018655
0.018563
0.018637
0.018711
0.018621
0.018692
0.018605
0.018675
0.018590
0.018659
0.018576
4
0.022065
0.022117
0.022168
0.022219
0.022041
0.022091
0.022140
0.022188
0.022235
0.022067
0.022114
3
0.028110
0.028095
0.028080
0.028066
0.028052
0.028038
0.028025
0.028013
0.028000
0.027988
0.027976
2
0.040235
0.039981
0.039736
0.040245
0.040000
0.039764
0.040255
0.040018
0.039789
0.040263
0.040034
1
0.076000
0.077000
0.075214
0.076179
0.077143
0.075414
0.076345
0.077276
0.075600
0.076500
0.077400
 
 
Salario (UMA)
Plazo
(años)
8.7
8.8
8.9
9.0
9.1
9.2
9.3
9.4
9.5
9.6
9.7
30
0.008480
0.008456
0.008461
0.008467
0.008472
0.008478
0.008455
0.008460
0.008465
0.008471
0.008476
29
0.008480
0.008456
0.008461
0.008467
0.008472
0.008478
0.008455
0.008460
0.008465
0.008471
0.008476
28
0.008480
0.008456
0.008461
0.008467
0.008472
0.008478
0.008455
0.008460
0.008465
0.008471
0.008476
27
0.008480
0.008456
0.008461
0.008467
0.008472
0.008478
0.008455
0.008460
0.008465
0.008471
0.008476
26
0.008480
0.008456
0.008461
0.008467
0.008472
0.008478
0.008455
0.008460
0.008465
0.008471
0.008476
25
0.008511
0.008516
0.008521
0.008526
0.008531
0.008536
0.008512
0.008517
0.008522
0.008526
0.008531
24
0.008604
0.008578
0.008582
0.008587
0.008591
0.008595
0.008599
0.008574
0.008579
0.008583
0.008587
23
0.008668
0.008672
0.008675
0.008648
0.008651
0.008655
0.008659
0.008662
0.008666
0.008669
0.008672
22
0.008732
0.008735
0.008738
0.008741
0.008744
0.008746
0.008749
0.008752
0.008754
0.008757
0.008759
21
0.008831
0.008833
0.008835
0.008836
0.008838
0.008840
0.008842
0.008843
0.008845
0.008846
0.008848
20
0.008966
0.008966
0.008966
0.008967
0.008967
0.008968
0.008968
0.008968
0.008969
0.008938
0.008939
19
0.009069
0.009069
0.009068
0.009067
0.009066
0.009066
0.009065
0.009064
0.009096
0.009095
0.009094
18
0.009212
0.009245
0.009242
0.009240
0.009237
0.009234
0.009232
0.009229
0.009227
0.009224
0.009222
17
0.009396
0.009391
0.009387
0.009382
0.009414
0.009409
0.009404
0.009400
0.009396
0.009391
0.009387
16
0.009588
0.009581
0.009612
0.009605
0.009598
0.009591
0.009584
0.009577
0.009607
0.009600
0.009593
15
0.009828
0.009818
0.009808
0.009838
0.009828
0.009818
0.009809
0.009837
0.009828
0.009818
0.009809
14
0.010082
0.010111
0.010097
0.010083
0.010111
0.010098
0.010084
0.010112
0.010098
0.010086
0.010112
13
0.010440
0.010421
0.010403
0.010429
0.010411
0.010437
0.010419
0.010402
0.010427
0.010410
0.010434
12
0.010825
0.010800
0.010824
0.010800
0.010824
0.010800
0.010823
0.010800
0.010823
0.010800
0.010822
11
0.011293
0.011261
0.011282
0.011302
0.011271
0.011291
0.011260
0.011280
0.011300
0.011270
0.011289
10
0.011864
0.011880
0.011837
0.011854
0.011870
0.011829
0.011844
0.011860
0.011875
0.011836
0.011851
9
0.012561
0.012571
0.012581
0.012591
0.012600
0.012545
0.012555
0.012564
0.012574
0.012583
0.012591
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014681
0.014667
0.014652
0.014727
0.014713
0.014698
0.014684
0.014671
0.014657
0.014727
0.014713
6
0.016313
0.016274
0.016347
0.016309
0.016272
0.016342
0.016305
0.016269
0.016338
0.016302
0.016267
5
0.018643
0.018563
0.018628
0.018692
0.018614
0.018677
0.018600
0.018662
0.018587
0.018647
0.018574
4
0.022160
0.022206
0.022046
0.022091
0.022135
0.022179
0.022026
0.022070
0.022112
0.022154
0.022195
3
0.027964
0.027953
0.027942
0.027931
0.027920
0.027910
0.027900
0.027890
0.027880
0.027871
0.027862
2
0.039814
0.039600
0.040050
0.039836
0.039629
0.040065
0.039857
0.039656
0.040078
0.039877
0.039682
1
0.075774
0.076645
0.075094
0.075938
0.076781
0.075273
0.076091
0.076909
0.075441
0.076235
0.077029
 
 
Salario (UMA)
Plazo
(años)
9.8
9.9
10.0
10.1
10.2
10.3
10.4
10.5
10.6
10.7
10.8
30
0.008454
0.008459
0.008464
0.008469
0.008474
0.008453
0.008458
0.008463
0.008467
0.008472
0.008452
29
0.008454
0.008459
0.008464
0.008469
0.008474
0.008453
0.008458
0.008463
0.008467
0.008472
0.008452
28
0.008454
0.008459
0.008464
0.008469
0.008474
0.008453
0.008458
0.008463
0.008467
0.008472
0.008452
27
0.008454
0.008459
0.008464
0.008469
0.008474
0.008453
0.008458
0.008463
0.008467
0.008472
0.008452
26
0.008454
0.008459
0.008464
0.008469
0.008474
0.008453
0.008458
0.008463
0.008467
0.008472
0.008452
25
0.008535
0.008513
0.008517
0.008522
0.008526
0.008531
0.008509
0.008514
0.008518
0.008522
0.008526
24
0.008591
0.008595
0.008599
0.008575
0.008579
0.008583
0.008587
0.008591
0.008595
0.008598
0.008576
23
0.008675
0.008650
0.008654
0.008657
0.008660
0.008664
0.008667
0.008670
0.008673
0.008650
0.008653
22
0.008733
0.008735
0.008738
0.008740
0.008743
0.008745
0.008748
0.008750
0.008752
0.008755
0.008757
21
0.008849
0.008851
0.008852
0.008854
0.008855
0.008829
0.008830
0.008832
0.008833
0.008835
0.008836
20
0.008939
0.008940
0.008940
0.008941
0.008942
0.008942
0.008943
0.008943
0.008944
0.008944
0.008945
19
0.009093
0.009092
0.009091
0.009090
0.009089
0.009088
0.009087
0.009087
0.009086
0.009085
0.009084
18
0.009220
0.009217
0.009215
0.009213
0.009211
0.009239
0.009237
0.009235
0.009232
0.009230
0.009228
17
0.009383
0.009412
0.009408
0.009403
0.009399
0.009395
0.009391
0.009387
0.009384
0.009380
0.009406
16
0.009587
0.009581
0.009609
0.009602
0.009596
0.009590
0.009584
0.009578
0.009604
0.009598
0.009592
15
0.009836
0.009827
0.009818
0.009809
0.009836
0.009827
0.009818
0.009810
0.009835
0.009827
0.009818
14
0.010099
0.010087
0.010112
0.010100
0.010088
0.010113
0.010101
0.010089
0.010113
0.010101
0.010090
13
0.010417
0.010401
0.010425
0.010408
0.010432
0.010416
0.010400
0.010423
0.010407
0.010430
0.010414
12
0.010800
0.010822
0.010800
0.010821
0.010800
0.010821
0.010800
0.010821
0.010800
0.010820
0.010800
11
0.011260
0.011278
0.011297
0.011269
0.011287
0.011259
0.011277
0.011295
0.011268
0.011285
0.011259
10
0.011865
0.011880
0.011842
0.011857
0.011871
0.011834
0.011848
0.011862
0.011876
0.011840
0.011854
9
0.012600
0.012549
0.012558
0.012567
0.012575
0.012584
0.012592
0.012544
0.012553
0.012561
0.012569
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014700
0.014687
0.014674
0.014661
0.014727
0.014714
0.014702
0.014689
0.014677
0.014665
0.014653
6
0.016333
0.016299
0.016265
0.016329
0.016296
0.016359
0.016326
0.016293
0.016354
0.016322
0.016291
5
0.018634
0.018563
0.018621
0.018678
0.018608
0.018664
0.018596
0.018651
0.018584
0.018639
0.018573
4
0.022050
0.022091
0.022131
0.022171
0.022032
0.022071
0.022110
0.022148
0.022186
0.022053
0.022091
3
0.028149
0.028137
0.028125
0.028113
0.028102
0.028091
0.028080
0.028069
0.028059
0.028049
0.028038
2
0.040091
0.039896
0.039706
0.040103
0.039913
0.039729
0.040114
0.039930
0.039750
0.040125
0.039945
1
0.075600
0.076371
0.075000
0.075750
0.076500
0.075162
0.075892
0.076622
0.075316
0.076026
0.076737
 
 
Salario (UMA)
Plazo
(años)
10.9
11.0
11.1
11.2
11.3
11.4
11.5
11.6
11.7
11.8
11.9
30
0.008457
0.008462
0.008466
0.008471
0.008475
0.008456
0.008460
0.008465
0.008469
0.008473
0.008455
29
0.008457
0.008462
0.008466
0.008471
0.008475
0.008456
0.008460
0.008465
0.008469
0.008473
0.008455
28
0.008457
0.008462
0.008466
0.008471
0.008475
0.008456
0.008460
0.008465
0.008469
0.008473
0.008455
27
0.008457
0.008462
0.008466
0.008471
0.008475
0.008456
0.008460
0.008465
0.008469
0.008473
0.008455
26
0.008457
0.008462
0.008466
0.008471
0.008475
0.008456
0.008460
0.008465
0.008469
0.008473
0.008455
25
0.008530
0.008510
0.008514
0.008518
0.008522
0.008526
0.008530
0.008511
0.008515
0.008519
0.008523
24
0.008580
0.008584
0.008587
0.008591
0.008594
0.008574
0.008577
0.008581
0.008584
0.008588
0.008591
23
0.008656
0.008659
0.008662
0.008665
0.008668
0.008670
0.008649
0.008652
0.008655
0.008658
0.008660
22
0.008733
0.008735
0.008738
0.008740
0.008742
0.008744
0.008746
0.008749
0.008751
0.008753
0.008755
21
0.008838
0.008839
0.008841
0.008842
0.008843
0.008845
0.008846
0.008847
0.008849
0.008850
0.008851
20
0.008945
0.008946
0.008946
0.008947
0.008947
0.008948
0.008948
0.008949
0.008949
0.008949
0.008950
19
0.009083
0.009083
0.009082
0.009081
0.009080
0.009080
0.009079
0.009078
0.009078
0.009077
0.009076
18
0.009226
0.009224
0.009222
0.009220
0.009218
0.009216
0.009214
0.009212
0.009237
0.009235
0.009233
17
0.009403
0.009399
0.009395
0.009391
0.009388
0.009384
0.009381
0.009405
0.009402
0.009398
0.009395
16
0.009586
0.009581
0.009606
0.009600
0.009594
0.009589
0.009583
0.009578
0.009602
0.009596
0.009591
15
0.009810
0.009834
0.009826
0.009818
0.009810
0.009834
0.009826
0.009818
0.009811
0.009833
0.009826
14
0.010079
0.010102
0.010091
0.010080
0.010103
0.010092
0.010081
0.010103
0.010093
0.010082
0.010104
13
0.010436
0.010421
0.010406
0.010428
0.010413
0.010434
0.010419
0.010405
0.010426
0.010412
0.010432
12
0.010820
0.010800
0.010819
0.010800
0.010819
0.010800
0.010819
0.010800
0.010818
0.010800
0.010818
11
0.011276
0.011293
0.011267
0.011284
0.011258
0.011275
0.011291
0.011266
0.011282
0.011258
0.011274
10
0.011867
0.011833
0.011846
0.011859
0.011872
0.011838
0.011851
0.011864
0.011831
0.011844
0.011856
9
0.012577
0.012585
0.012592
0.012548
0.012556
0.012563
0.012571
0.012578
0.012586
0.012593
0.012551
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014715
0.014703
0.014691
0.014680
0.014668
0.014657
0.014716
0.014704
0.014693
0.014682
0.014671
6
0.016350
0.016319
0.016288
0.016346
0.016316
0.016286
0.016342
0.016313
0.016284
0.016338
0.016310
5
0.018627
0.018563
0.018615
0.018667
0.018604
0.018655
0.018593
0.018643
0.018582
0.018632
0.018572
4
0.022128
0.022164
0.022037
0.022073
0.022109
0.022144
0.022179
0.022056
0.022091
0.022125
0.022159
3
0.028029
0.028019
0.028009
0.028000
0.027991
0.027982
0.027973
0.027964
0.027956
0.027947
0.027939
2
0.039770
0.039600
0.039960
0.039789
0.039623
0.039974
0.039808
0.039646
0.039987
0.039825
0.039667
1
0.075462
0.076154
0.076846
0.075600
0.076275
0.075073
0.075732
0.076390
0.075214
0.075857
0.076500
 
 
Salario (UMA)
Plazo
(años)
12.0
12.1
12.2
12.3
12.4
12.5
12.6
12.7
12.8
12.9
13.0
30
0.008460
0.008464
0.008468
0.008472
0.008455
0.008459
0.008463
0.008467
0.008471
0.008454
0.008458
29
0.008460
0.008464
0.008468
0.008472
0.008455
0.008459
0.008463
0.008467
0.008471
0.008454
0.008458
28
0.008460
0.008464
0.008468
0.008472
0.008455
0.008459
0.008463
0.008467
0.008471
0.008454
0.008458
27
0.008460
0.008464
0.008468
0.008472
0.008455
0.008459
0.008463
0.008467
0.008471
0.008454
0.008458
26
0.008460
0.008464
0.008468
0.008472
0.008455
0.008459
0.008463
0.008467
0.008471
0.008454
0.008458
25
0.008526
0.008530
0.008512
0.008515
0.008519
0.008523
0.008526
0.008530
0.008512
0.008516
0.008519
24
0.008594
0.008575
0.008578
0.008581
0.008585
0.008588
0.008591
0.008594
0.008576
0.008579
0.008582
23
0.008663
0.008666
0.008668
0.008648
0.008651
0.008654
0.008656
0.008659
0.008662
0.008664
0.008667
22
0.008733
0.008735
0.008737
0.008739
0.008742
0.008744
0.008746
0.008747
0.008749
0.008751
0.008753
21
0.008828
0.008830
0.008831
0.008832
0.008834
0.008835
0.008836
0.008838
0.008839
0.008840
0.008841
20
0.008950
0.008951
0.008951
0.008951
0.008952
0.008952
0.008953
0.008953
0.008953
0.008954
0.008954
19
0.009076
0.009075
0.009074
0.009074
0.009073
0.009073
0.009072
0.009071
0.009071
0.009070
0.009070
18
0.009231
0.009229
0.009227
0.009225
0.009223
0.009221
0.009220
0.009218
0.009216
0.009214
0.009213
17
0.009391
0.009388
0.009385
0.009381
0.009404
0.009401
0.009398
0.009395
0.009391
0.009388
0.009385
16
0.009586
0.009581
0.009603
0.009598
0.009593
0.009588
0.009583
0.009578
0.009600
0.009595
0.009590
15
0.009818
0.009811
0.009833
0.009825
0.009818
0.009811
0.009832
0.009825
0.009818
0.009811
0.009832
14
0.010093
0.010083
0.010104
0.010094
0.010084
0.010105
0.010095
0.010085
0.010105
0.010096
0.010086
13
0.010418
0.010404
0.010424
0.010411
0.010430
0.010417
0.010404
0.010422
0.010410
0.010428
0.010415
12
0.010800
0.010818
0.010800
0.010818
0.010800
0.010817
0.010800
0.010817
0.010800
0.010817
0.010800
11
0.011289
0.011266
0.011281
0.011258
0.011273
0.011288
0.011265
0.011280
0.011257
0.011272
0.011286
10
0.011868
0.011837
0.011849
0.011861
0.011830
0.011842
0.011854
0.011865
0.011836
0.011847
0.011858
9
0.012558
0.012565
0.012573
0.012580
0.012586
0.012546
0.012554
0.012560
0.012567
0.012574
0.012581
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014661
0.014650
0.014705
0.014695
0.014684
0.014674
0.014664
0.014654
0.014706
0.014696
0.014686
6
0.016281
0.016335
0.016307
0.016279
0.016332
0.016304
0.016278
0.016329
0.016302
0.016276
0.016326
5
0.018621
0.018563
0.018610
0.018657
0.018600
0.018646
0.018590
0.018636
0.018581
0.018626
0.018571
4
0.022041
0.022074
0.022107
0.022140
0.022026
0.022059
0.022091
0.022123
0.022154
0.022044
0.022075
3
0.027931
0.027923
0.027915
0.027908
0.027900
0.027893
0.027885
0.027878
0.027871
0.027864
0.027857
2
0.040000
0.039841
0.039687
0.040012
0.039857
0.039706
0.040024
0.039872
0.039724
0.040034
0.039886
1
0.075349
0.075977
0.076605
0.075477
0.076091
0.075000
0.075600
0.076200
0.075130
0.075717
0.076304
 
 
Salario (UMA)
Plazo
(años)
13.1
13.2
13.3
13.4
13.5
13.6
13.7
13.8
13.9
14.0
14.1
30
0.008462
0.008466
0.008469
0.008453
0.008457
0.008461
0.008465
0.008468
0.008453
0.008456
0.008460
29
0.008462
0.008466
0.008469
0.008453
0.008457
0.008461
0.008465
0.008468
0.008453
0.008456
0.008460
28
0.008462
0.008466
0.008469
0.008453
0.008457
0.008461
0.008465
0.008468
0.008453
0.008456
0.008460
27
0.008462
0.008466
0.008469
0.008453
0.008457
0.008461
0.008465
0.008468
0.008453
0.008456
0.008460
26
0.008462
0.008466
0.008469
0.008453
0.008457
0.008461
0.008465
0.008468
0.008453
0.008456
0.008460
25
0.008523
0.008526
0.008509
0.008513
0.008516
0.008520
0.008523
0.008526
0.008510
0.008514
0.008517
24
0.008585
0.008588
0.008591
0.008594
0.008576
0.008579
0.008582
0.008585
0.008588
0.008591
0.008574
23
0.008648
0.008650
0.008653
0.008656
0.008658
0.008660
0.008663
0.008665
0.008647
0.008650
0.008652
22
0.008733
0.008735
0.008737
0.008739
0.008741
0.008743
0.008745
0.008746
0.008748
0.008750
0.008732
21
0.008843
0.008844
0.008845
0.008846
0.008847
0.008848
0.008828
0.008829
0.008831
0.008832
0.008833
20
0.008954
0.008955
0.008955
0.008955
0.008956
0.008956
0.008956
0.008957
0.008957
0.008957
0.008958
19
0.009069
0.009069
0.009068
0.009068
0.009067
0.009067
0.009066
0.009066
0.009065
0.009065
0.009064
18
0.009211
0.009233
0.009231
0.009230
0.009228
0.009226
0.009224
0.009223
0.009221
0.009220
0.009218
17
0.009382
0.009404
0.009401
0.009397
0.009394
0.009391
0.009388
0.009385
0.009383
0.009380
0.009400
16
0.009585
0.009581
0.009576
0.009597
0.009592
0.009587
0.009583
0.009578
0.009598
0.009594
0.009589
15
0.009825
0.009818
0.009811
0.009832
0.009825
0.009818
0.009812
0.009831
0.009825
0.009818
0.009812
14
0.010106
0.010096
0.010087
0.010078
0.010097
0.010088
0.010079
0.010098
0.010089
0.010080
0.010098
13
0.010403
0.010421
0.010409
0.010427
0.010414
0.010402
0.010420
0.010408
0.010425
0.010413
0.010402
12
0.010817
0.010800
0.010816
0.010800
0.010816
0.010800
0.010816
0.010800
0.010816
0.010800
0.010815
11
0.011264
0.011278
0.011257
0.011271
0.011285
0.011264
0.011277
0.011257
0.011270
0.011284
0.011263
10
0.011829
0.011841
0.011851
0.011862
0.011834
0.011845
0.011856
0.011829
0.011839
0.011850
0.011860
9
0.012587
0.012549
0.012556
0.012563
0.012569
0.012575
0.012582
0.012545
0.012552
0.012558
0.012564
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014676
0.014667
0.014657
0.014707
0.014698
0.014688
0.014679
0.014669
0.014660
0.014651
0.014699
6
0.016300
0.016274
0.016323
0.016297
0.016272
0.016320
0.016295
0.016271
0.016317
0.016293
0.016269
5
0.018616
0.018563
0.018606
0.018554
0.018597
0.018640
0.018588
0.018630
0.018579
0.018621
0.018571
4
0.022106
0.022137
0.022031
0.022061
0.022091
0.022120
0.022150
0.022047
0.022076
0.022105
0.022134
3
0.028071
0.028063
0.028055
0.028047
0.028038
0.028031
0.028023
0.028015
0.028007
0.028000
0.027993
2
0.039742
0.039600
0.039900
0.039758
0.039620
0.039913
0.039774
0.039638
0.039926
0.039789
0.039656
1
0.075255
0.075830
0.076404
0.075375
0.075938
0.076500
0.075490
0.076041
0.075060
0.075600
0.076140
 
 
Salario (UMA)
Plazo
(años)
Salario
(UMA)
14.3
14.4
14.5
14.6
14.7
14.8
14.9
15.0
15.1
15.2
30
0.008464
0.008467
0.008452
0.008456
0.008459
0.008463
0.008466
0.008469
0.008455
0.008459
0.008462
29
0.008464
0.008467
0.008452
0.008456
0.008459
0.008463
0.008466
0.008469
0.008455
0.008459
0.008462
28
0.008464
0.008467
0.008452
0.008456
0.008459
0.008463
0.008466
0.008469
0.008455
0.008459
0.008462
27
0.008464
0.008467
0.008452
0.008456
0.008459
0.008463
0.008466
0.008469
0.008455
0.008459
0.008462
26
0.008464
0.008467
0.008452
0.008456
0.008459
0.008463
0.008466
0.008469
0.008455
0.008459
0.008462
25
0.008520
0.008523
0.008526
0.008511
0.008514
0.008517
0.008520
0.008523
0.008526
0.008511
0.008515
24
0.008577
0.008580
0.008583
0.008586
0.008588
0.008591
0.008575
0.008578
0.008581
0.008583
0.008586
23
0.008655
0.008657
0.008659
0.008662
0.008664
0.008666
0.008649
0.008652
0.008654
0.008656
0.008658
22
0.008733
0.008735
0.008737
0.008739
0.008741
0.008742
0.008744
0.008746
0.008747
0.008749
0.008732
21
0.008834
0.008835
0.008836
0.008837
0.008839
0.008840
0.008841
0.008842
0.008843
0.008844
0.008845
20
0.008958
0.008938
0.008938
0.008938
0.008939
0.008939
0.008940
0.008940
0.008940
0.008941
0.008941
19
0.009085
0.009085
0.009084
0.009084
0.009083
0.009082
0.009082
0.009081
0.009081
0.009080
0.009080
18
0.009216
0.009215
0.009213
0.009212
0.009210
0.009230
0.009229
0.009227
0.009226
0.009224
0.009222
17
0.009397
0.009394
0.009391
0.009388
0.009386
0.009383
0.009380
0.009400
0.009397
0.009394
0.009391
16
0.009585
0.009581
0.009576
0.009596
0.009591
0.009587
0.009583
0.009579
0.009597
0.009593
0.009589
15
0.009831
0.009824
0.009818
0.009812
0.009830
0.009824
0.009818
0.009812
0.009806
0.009824
0.009818
14
0.010089
0.010081
0.010099
0.010090
0.010082
0.010099
0.010091
0.010083
0.010100
0.010092
0.010084
13
0.010418
0.010407
0.010424
0.010412
0.010401
0.010417
0.010406
0.010422
0.010411
0.010401
0.010416
12
0.010800
0.010815
0.010800
0.010815
0.010800
0.010815
0.010800
0.010815
0.010800
0.010814
0.010800
11
0.011276
0.011257
0.011270
0.011282
0.011263
0.011276
0.011256
0.011269
0.011281
0.011262
0.011275
10
0.011833
0.011844
0.011854
0.011828
0.011838
0.011848
0.011858
0.011832
0.011842
0.011852
0.011861
9
0.012570
0.012577
0.012583
0.012548
0.012554
0.012560
0.012566
0.012572
0.012578
0.012545
0.012550
8
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
0.013500
7
0.014690
0.014681
0.014672
0.014663
0.014654
0.014700
0.014691
0.014682
0.014674
0.014665
0.014657
6
0.016315
0.016291
0.016268
0.016313
0.016289
0.016266
0.016310
0.016287
0.016265
0.016308
0.016286
5
0.018612
0.018563
0.018603
0.018555
0.018594
0.018634
0.018586
0.018625
0.018578
0.018616
0.018570
4
0.022034
0.022063
0.022091
0.022119
0.022146
0.022050
0.022077
0.022104
0.022131
0.022038
0.022065
3
0.027985
0.027978
0.027971
0.027964
0.027957
0.027951
0.027944
0.027938
0.027931
0.027925
0.027918
2
0.039938
0.039804
0.039673
0.039949
0.039818
0.039690
0.039960
0.039832
0.039706
0.039971
0.039845
1
0.075176
0.075706
0.076235
0.075288
0.075808
0.076327
0.075396
0.075906
0.075000
0.075500
0.076000
 
 
Salario (UMA)
Plazo
(años)
15.3
15.4
15.5
15.6
15.7
15.8
15.9
16.0
16.1
16.2
16.3
30
0.008465
0.008468
0.008455
0.008458
0.008461
0.008464
0.008467
0.008454
0.008457
0.008460
0.008463
29
0.008465
0.008468
0.008455
0.008458
0.008461
0.008464
0.008467
0.008454
0.008457
0.008460
0.008463
28
0.008465
0.008468
0.008455
0.008458
0.008461
0.008464
0.008467
0.008454
0.008457
0.008460
0.008463
27
0.008465
0.008468
0.008455
0.008458
0.008461
0.008464
0.008467
0.008454
0.008457
0.008460
0.008463
26
0.008465
0.008468
0.008455
0.008458
0.008461
0.008464
0.008467
0.008454
0.008457
0.008460
0.008463
25
0.008518
0.008520
0.008523
0.008509
0.008512
0.008515
0.008518
0.008521
0.008524
0.008510
0.008513
24
0.008588
0.008591
0.008576
0.008578
0.008581
0.008584
0.008586
0.008588
0.008574
0.008576
0.008579
23
0.008660
0.008663
0.008665
0.008649
0.008651
0.008653
0.008655
0.008657
0.008659
0.008661
0.008663
22
0.008734
0.008735
0.008737
0.008739
0.008740
0.008742
0.008743
0.008745
0.008746
0.008748
0.008732
21
0.008846
0.008828
0.008829
0.008830
0.008831
0.008832
0.008833
0.008834
0.008835
0.008836
0.008837
20
0.008942
0.008942
0.008942
0.008943
0.008943
0.008943
0.008944
0.008944
0.008944
0.008945
0.008945
19
0.009079
0.009079
0.009078
0.009078
0.009077
0.009077
0.009076
0.009076
0.009075
0.009075
0.009074
18
0.009221
0.009220
0.009218
0.009217
0.009215
0.009214
0.009212
0.009211
0.009229
0.009228
0.009226
17
0.009389
0.009386
0.009383
0.009381
0.009399
0.009396
0.009394
0.009391
0.009389
0.009386
0.009384
16
0.009585
0.009581
0.009577
0.009595
0.009590
0.009587
0.009583
0.009579
0.009596
0.009592
0.009588
15
0.009812
0.009807
0.009824
0.009818
0.009813
0.009807
0.009824
0.009818
0.009813
0.009807
0.009824
14
0.010100
0.010092
0.010084
0.010101
0.010093
0.010085
0.010101
0.010093
0.010086
0.010078
0.010094
13
0.010406
0.010421
0.010410
0.010400
0.010415
0.010405
0.010420
0.010410
0.010424
0.010414
0.010404
12
0.010786
0.010800
0.010786
0.010800
0.010786
0.010800
0.010786
0.010800
0.010787
0.010800
0.010787
11
0.011256
0.011268
0.011280
0.011262
0.011274
0.011256
0.011268
0.011279
0.011262
0.011273
0.011256
10
0.011837
0.011846
0.011856
0.011831
0.011841
0.011850
0.011859
0.011836
0.011845
0.011854
0.011831
9
0.012556
0.012562
0.012568
0.012573
0.012579
0.012547
0.012553
0.012558
0.012564
0.012569
0.012574
8
0.013500
0.013500
0.013500
0.013457
0.013457
0.013457
0.013458
0.013458
0.013458
0.013458
0.013459
7
0.014701
0.014693
0.014684
0.014676
0.014668
0.014660
0.014652
0.014694
0.014686
0.014678
0.014670
6
0.016328
0.016306
0.016284
0.016326
0.016304
0.016282
0.016323
0.016302
0.016281
0.016321
0.016300
5
0.018608
0.018563
0.018600
0.018555
0.018592
0.018629
0.018584
0.018621
0.018577
0.018613
0.018570
4
0.022091
0.022117
0.022026
0.022052
0.022078
0.022104
0.022129
0.022041
0.022066
0.022091
0.022116
3
0.027912
0.027906
0.027900
0.027894
0.027888
0.027882
0.027877
0.027871
0.027865
0.027860
0.028032
2
0.039721
0.039600
0.039857
0.039736
0.039617
0.039869
0.039750
0.039633
0.039881
0.039764
0.039649
1
0.075109
0.075600
0.076091
0.075214
0.075696
0.076179
0.075316
0.075789
0.076263
0.075414
0.075879
 
 
Salario (UMA)
Plazo
(años)
16.4
16.5
16.6
16.7
16.8
16.9
17.0
17.1
17.2
17.3
17.4
30
0.008467
0.008454
0.008457
0.008460
0.008463
0.008466
0.008453
0.008456
0.008459
0.008462
0.008465
29
0.008467
0.008454
0.008457
0.008460
0.008463
0.008466
0.008453
0.008456
0.008459
0.008462
0.008465
28
0.008467
0.008454
0.008457
0.008460
0.008463
0.008466
0.008453
0.008456
0.008459
0.008462
0.008465
27
0.008467
0.008454
0.008457
0.008460
0.008463
0.008466
0.008453
0.008456
0.008459
0.008462
0.008465
26
0.008467
0.008454
0.008457
0.008460
0.008463
0.008466
0.008453
0.008456
0.008459
0.008462
0.008465
25
0.008515
0.008518
0.008521
0.008524
0.008510
0.008513
0.008516
0.008518
0.008521
0.008524
0.008511
24
0.008581
0.008584
0.008586
0.008589
0.008575
0.008577
0.008579
0.008582
0.008584
0.008586
0.008589
23
0.008648
0.008650
0.008653
0.008655
0.008656
0.008658
0.008660
0.008662
0.008648
0.008650
0.008652
22
0.008734
0.008735
0.008737
0.008738
0.008740
0.008741
0.008743
0.008744
0.008746
0.008747
0.008732
21
0.008838
0.008839
0.008840
0.008841
0.008842
0.008843
0.008844
0.008828
0.008829
0.008830
0.008831
20
0.008945
0.008946
0.008946
0.008946
0.008947
0.008947
0.008947
0.008948
0.008948
0.008948
0.008949
19
0.009074
0.009073
0.009073
0.009072
0.009072
0.009072
0.009071
0.009071
0.009070
0.009070
0.009069
18
0.009225
0.009224
0.009222
0.009221
0.009220
0.009218
0.009217
0.009216
0.009214
0.009213
0.009212
17
0.009381
0.009399
0.009396
0.009394
0.009391
0.009389
0.009387
0.009384
0.009382
0.009380
0.009396
16
0.009584
0.009581
0.009577
0.009594
0.009590
0.009586
0.009582
0.009579
0.009595
0.009591
0.009588
15
0.009818
0.009813
0.009807
0.009824
0.009818
0.009813
0.009808
0.009823
0.009818
0.009813
0.009808
14
0.010087
0.010079
0.010095
0.010087
0.010080
0.010095
0.010088
0.010081
0.010096
0.010089
0.010082
13
0.010419
0.010409
0.010423
0.010413
0.010404
0.010418
0.010408
0.010422
0.010413
0.010403
0.010417
12
0.010800
0.010787
0.010800
0.010787
0.010800
0.010787
0.010800
0.010787
0.010800
0.010788
0.010800
11
0.011267
0.011278
0.011261
0.011273
0.011256
0.011267
0.011278
0.011261
0.011272
0.011255
0.011266
10
0.011840
0.011848
0.011857
0.011835
0.011843
0.011852
0.011830
0.011838
0.011847
0.011855
0.011834
9
0.012580
0.012549
0.012555
0.012560
0.012565
0.012570
0.012575
0.012546
0.012551
0.012556
0.012561
8
0.013459
0.013459
0.013459
0.013460
0.013460
0.013460
0.013460
0.013461
0.013461
0.013461
0.013461
7
0.014662
0.014655
0.014695
0.014687
0.014680
0.014672
0.014665
0.014657
0.014696
0.014689
0.014681
6
0.016279
0.016319
0.016298
0.016278
0.016317
0.016296
0.016277
0.016314
0.016295
0.016275
0.016313
5
0.018605
0.018563
0.018598
0.018556
0.018590
0.018624
0.018583
0.018617
0.018576
0.018610
0.018569
4
0.022030
0.022054
0.022079
0.022103
0.022127
0.022043
0.022067
0.022091
0.022114
0.022033
0.022056
3
0.028025
0.028019
0.028013
0.028006
0.028000
0.027994
0.027988
0.027982
0.027976
0.027970
0.027964
2
0.039892
0.039777
0.039664
0.039903
0.039789
0.039678
0.039913
0.039802
0.039692
0.039923
0.039814
1
0.075051
0.075508
0.075966
0.075150
0.075600
0.076050
0.075246
0.075689
0.076131
0.075339
0.075774
 
 
Salario (UMA)
Plazo
(años)
17.5
17.6
17.7
17.8
17.9
18.0
18.1
18.2
18.3
18.4
18.5
30
0.008453
0.008456
0.008458
0.008461
0.008464
0.008452
0.008455
0.008458
0.008461
0.008463
0.008452
29
0.008453
0.008456
0.008458
0.008461
0.008464
0.008452
0.008455
0.008458
0.008461
0.008463
0.008452
28
0.008453
0.008456
0.008458
0.008461
0.008464
0.008452
0.008455
0.008458
0.008461
0.008463
0.008452
27
0.008453
0.008456
0.008458
0.008461
0.008464
0.008452
0.008455
0.008458
0.008461
0.008463
0.008452
26
0.008453
0.008456
0.008458
0.008461
0.008464
0.008452
0.008455
0.008458
0.008461
0.008463
0.008452
25
0.008514
0.008516
0.008519
0.008521
0.008524
0.008511
0.008514
0.008516
0.008519
0.008521
0.008509
24
0.008575
0.008578
0.008580
0.008582
0.008584
0.008587
0.008574
0.008576
0.008578
0.008580
0.008582
23
0.008654
0.008656
0.008658
0.008659
0.008661
0.008648
0.008650
0.008651
0.008653
0.008655
0.008657
22
0.008734
0.008735
0.008737
0.008738
0.008740
0.008741
0.008742
0.008744
0.008745
0.008746
0.008733
21
0.008832
0.008833
0.008834
0.008835
0.008835
0.008836
0.008837
0.008838
0.008839
0.008840
0.008841
20
0.008949
0.008949
0.008949
0.008950
0.008950
0.008950
0.008951
0.008951
0.008951
0.008951
0.008952
19
0.009069
0.009069
0.009068
0.009068
0.009068
0.009067
0.009067
0.009066
0.009066
0.009066
0.009065
18
0.009211
0.009227
0.009226
0.009225
0.009223
0.009222
0.009221
0.009220
0.009218
0.009217
0.009216
17
0.009394
0.009391
0.009389
0.009387
0.009384
0.009382
0.009380
0.009396
0.009394
0.009391
0.009389
16
0.009584
0.009581
0.009577
0.009593
0.009589
0.009586
0.009582
0.009579
0.009594
0.009591
0.009587
15
0.009823
0.009818
0.009813
0.009808
0.009823
0.009818
0.009813
0.009808
0.009823
0.009818
0.009813
14
0.010096
0.010089
0.010082
0.010097
0.010090
0.010083
0.010097
0.010090
0.010084
0.010098
0.010091
13
0.010407
0.010421
0.010412
0.010403
0.010416
0.010407
0.010420
0.010411
0.010402
0.010415
0.010406
12
0.010788
0.010800
0.010788
0.010800
0.010788
0.010800
0.010788
0.010800
0.010788
0.010800
0.010788
11
0.011277
0.011261
0.011271
0.011255
0.011266
0.011276
0.011260
0.011271
0.011255
0.011265
0.011275
10
0.011842
0.011850
0.011829
0.011837
0.011846
0.011854
0.011833
0.011841
0.011849
0.011829
0.011836
9
0.012566
0.012571
0.012576
0.012548
0.012553
0.012558
0.012563
0.012568
0.012573
0.012545
0.012550
8
0.013462
0.013462
0.013462
0.013462
0.013462
0.013463
0.013463
0.013463
0.013463
0.013463
0.013464
7
0.014674
0.014667
0.014660
0.014652
0.014690
0.014683
0.014676
0.014669
0.014662
0.014655
0.014691
6
0.016293
0.016274
0.016311
0.016292
0.016273
0.016309
0.016290
0.016272
0.016307
0.016289
0.016270
5
0.018602
0.018563
0.018595
0.018556
0.018588
0.018621
0.018582
0.018614
0.018575
0.018607
0.018569
4
0.022079
0.022102
0.022125
0.022046
0.022068
0.022091
0.022113
0.022036
0.022058
0.022080
0.022102
3
0.027959
0.027953
0.027947
0.027942
0.027936
0.027931
0.027926
0.027920
0.027915
0.027910
0.027905
2
0.039706
0.039600
0.039825
0.039719
0.039615
0.039836
0.039732
0.039629
0.039847
0.039744
0.039643
1
0.075000
0.075429
0.075857
0.075094
0.075516
0.075938
0.075185
0.075600
0.076015
0.075273
0.075682
 
 
Salario (UMA)
Plazo
(años)
18.6
18.7
18.8
18.9
19.0
19.1
19.2
19.3
19.4
19.5
19.6
30
0.008455
0.008457
0.008460
0.008463
0.008465
0.008454
0.008457
0.008459
0.008462
0.008465
0.008454
29
0.008455
0.008457
0.008460
0.008463
0.008465
0.008454
0.008457
0.008459
0.008462
0.008465
0.008454
28
0.008455
0.008457
0.008460
0.008463
0.008465
0.008454
0.008457
0.008459
0.008462
0.008465
0.008454
27
0.008455
0.008457
0.008460
0.008463
0.008465
0.008454
0.008457
0.008459
0.008462
0.008465
0.008454
26
0.008455
0.008457
0.008460
0.008463
0.008465
0.008454
0.008457
0.008459
0.008462
0.008465
0.008454
25
0.008512
0.008514
0.008517
0.008519
0.008522
0.008510
0.008512
0.008515
0.008517
0.008519
0.008522
24
0.008585
0.008587
0.008574
0.008576
0.008579
0.008581
0.008583
0.008585
0.008587
0.008575
0.008577
23
0.008659
0.008660
0.008647
0.008649
0.008651
0.008653
0.008654
0.008656
0.008658
0.008660
0.008661
22
0.008734
0.008735
0.008737
0.008738
0.008739
0.008741
0.008742
0.008743
0.008745
0.008746
0.008733
21
0.008842
0.008842
0.008828
0.008829
0.008830
0.008830
0.008831
0.008832
0.008833
0.008834
0.008835
20
0.008952
0.008952
0.008952
0.008953
0.008953
0.008938
0.008938
0.008938
0.008939
0.008939
0.008939
19
0.009065
0.009065
0.009064
0.009080
0.009080
0.009079
0.009079
0.009078
0.009078
0.009078
0.009077
18
0.009215
0.009214
0.009212
0.009211
0.009210
0.009225
0.009224
0.009223
0.009222
0.009221
0.009220
17
0.009387
0.009385
0.009383
0.009381
0.009396
0.009393
0.009391
0.009389
0.009387
0.009385
0.009383
16
0.009584
0.009581
0.009577
0.009592
0.009589
0.009586
0.009582
0.009579
0.009576
0.009590
0.009587
15
0.009809
0.009823
0.009818
0.009813
0.009809
0.009823
0.009818
0.009814
0.009809
0.009823
0.009818
14
0.010084
0.010078
0.010091
0.010085
0.010079
0.010092
0.010086
0.010079
0.010092
0.010086
0.010080
13
0.010419
0.010410
0.010402
0.010414
0.010406
0.010418
0.010410
0.010401
0.010414
0.010405
0.010417
12
0.010800
0.010788
0.010800
0.010789
0.010800
0.010789
0.010800
0.010789
0.010800
0.010789
0.010800
11
0.011260
0.011270
0.011255
0.011265
0.011275
0.011260
0.011270
0.011255
0.011265
0.011274
0.011260
10
0.011844
0.011852
0.011832
0.011840
0.011848
0.011828
0.011836
0.011843
0.011851
0.011831
0.011839
9
0.012555
0.012560
0.012564
0.012569
0.012574
0.012547
0.012552
0.012557
0.012561
0.012566
0.012570
8
0.013464
0.013464
0.013464
0.013464
0.013465
0.013465
0.013465
0.013465
0.013465
0.013465
0.013466
7
0.014684
0.014677
0.014671
0.014664
0.014657
0.014651
0.014686
0.014679
0.014672
0.014666
0.014659
6
0.016305
0.016287
0.016269
0.016304
0.016286
0.016268
0.016302
0.016284
0.016267
0.016300
0.016283
5
0.018600
0.018563
0.018593
0.018556
0.018587
0.018617
0.018581
0.018611
0.018574
0.018604
0.018568
4
0.022026
0.022048
0.022070
0.022091
0.022112
0.022038
0.022060
0.022081
0.022101
0.022029
0.022050
3
0.027900
0.027895
0.027890
0.027885
0.027880
0.027876
0.027871
0.027866
0.027862
0.027857
0.028000
2
0.039857
0.039756
0.039656
0.039867
0.039767
0.039669
0.039877
0.039779
0.039682
0.039886
0.039789
1
0.076091
0.075358
0.075761
0.075044
0.075441
0.075838
0.075130
0.075522
0.075913
0.075214
0.075600
 
 
Salario (UMA)
Plazo
(años)
19.7
19.8
19.9
20.0
20.1
20.2
20.3
20.4
20.5
20.6
20.7
30
0.008456
0.008459
0.008461
0.008464
0.008453
0.008456
0.008458
0.008461
0.008463
0.008453
0.008455
29
0.008456
0.008459
0.008461
0.008464
0.008453
0.008456
0.008458
0.008461
0.008463
0.008453
0.008455
28
0.008456
0.008459
0.008461
0.008464
0.008453
0.008456
0.008458
0.008461
0.008463
0.008453
0.008455
27
0.008456
0.008459
0.008461
0.008464
0.008453
0.008456
0.008458
0.008461
0.008463
0.008453
0.008455
26
0.008456
0.008459
0.008461
0.008464
0.008453
0.008456
0.008458
0.008461
0.008463
0.008453
0.008455
25
0.008510
0.008513
0.008515
0.008517
0.008520
0.008522
0.008511
0.008513
0.008515
0.008518
0.008520
24
0.008579
0.008581
0.008583
0.008585
0.008587
0.008575
0.008577
0.008579
0.008581
0.008583
0.008585
23
0.008649
0.008650
0.008652
0.008654
0.008656
0.008657
0.008659
0.008660
0.008648
0.008650
0.008652
22
0.008734
0.008735
0.008737
0.008738
0.008739
0.008740
0.008742
0.008743
0.008744
0.008732
0.008733
21
0.008836
0.008836
0.008837
0.008838
0.008839
0.008840
0.008840
0.008841
0.008828
0.008829
0.008829
20
0.008939
0.008940
0.008940
0.008940
0.008941
0.008941
0.008941
0.008942
0.008942
0.008942
0.008942
19
0.009077
0.009076
0.009076
0.009076
0.009075
0.009075
0.009075
0.009074
0.009074
0.009073
0.009073
18
0.009218
0.009217
0.009216
0.009215
0.009214
0.009213
0.009212
0.009211
0.009225
0.009224
0.009223
17
0.009381
0.009395
0.009393
0.009391
0.009389
0.009387
0.009385
0.009383
0.009381
0.009379
0.009393
16
0.009584
0.009581
0.009578
0.009591
0.009588
0.009585
0.009582
0.009579
0.009576
0.009590
0.009587
15
0.009814
0.009809
0.009823
0.009818
0.009814
0.009809
0.009823
0.009818
0.009814
0.009810
0.009822
14
0.010093
0.010087
0.010081
0.010093
0.010087
0.010081
0.010094
0.010088
0.010082
0.010094
0.010088
13
0.010409
0.010401
0.010413
0.010405
0.010417
0.010408
0.010400
0.010412
0.010404
0.010416
0.010408
12
0.010789
0.010800
0.010789
0.010800
0.010789
0.010800
0.010789
0.010800
0.010789
0.010800
0.010790
11
0.011269
0.011255
0.011264
0.011273
0.011259
0.011269
0.011255
0.011264
0.011273
0.011259
0.011268
10
0.011846
0.011854
0.011835
0.011842
0.011849
0.011831
0.011838
0.011845
0.011852
0.011834
0.011841
9
0.012545
0.012549
0.012554
0.012558
0.012563
0.012567
0.012571
0.012547
0.012551
0.012555
0.012560
8
0.013466
0.013466
0.013466
0.013466
0.013467
0.013467
0.013467
0.013467
0.013467
0.013467
0.013467
7
0.014653
0.014687
0.014680
0.014674
0.014668
0.014661
0.014655
0.014688
0.014682
0.014675
0.014669
6
0.016266
0.016299
0.016282
0.016265
0.016297
0.016281
0.016313
0.016296
0.016279
0.016311
0.016294
5
0.018598
0.018563
0.018592
0.018557
0.018586
0.018614
0.018580
0.018608
0.018574
0.018602
0.018568
4
0.022071
0.022091
0.022111
0.022041
0.022061
0.022081
0.022101
0.022032
0.022052
0.022071
0.022091
3
0.027995
0.027990
0.027984
0.027979
0.027974
0.027969
0.027964
0.027959
0.027955
0.027950
0.027945
2
0.039694
0.039600
0.039800
0.039706
0.039613
0.039810
0.039717
0.039626
0.039820
0.039729
0.039638
1
0.075986
0.075296
0.075676
0.075000
0.075375
0.075750
0.075082
0.075452
0.075822
0.075162
0.075527
 
 
Salario (UMA)
Plazo
(años)
20.8
20.9
21.0
21.1
21.2
21.3
21.4
21.5
21.6
21.7
21.8
30
0.008458
0.008460
0.008463
0.008453
0.008455
0.008457
0.008460
0.008462
0.008452
0.008455
0.008457
29
0.008458
0.008460
0.008463
0.008453
0.008455
0.008457
0.008460
0.008462
0.008452
0.008455
0.008457
28
0.008458
0.008460
0.008463
0.008453
0.008455
0.008457
0.008460
0.008462
0.008452
0.008455
0.008457
27
0.008458
0.008460
0.008463
0.008453
0.008455
0.008457
0.008460
0.008462
0.008452
0.008455
0.008457
26
0.008458
0.008460
0.008463
0.008453
0.008455
0.008457
0.008460
0.008462
0.008452
0.008455
0.008457
25
0.008509
0.008511
0.008514
0.008516
0.008518
0.008520
0.008510
0.008512
0.008514
0.008516
0.008518
24
0.008574
0.008576
0.008578
0.008580
0.008582
0.008584
0.008585
0.008575
0.008576
0.008578
0.008580
23
0.008653
0.008655
0.008656
0.008658
0.008660
0.008648
0.008650
0.008651
0.008653
0.008654
0.008656
22
0.008734
0.008735
0.008737
0.008738
0.008739
0.008740
0.008741
0.008742
0.008744
0.008732
0.008733
21
0.008830
0.008831
0.008832
0.008833
0.008833
0.008834
0.008835
0.008836
0.008836
0.008837
0.008838
20
0.008943
0.008943
0.008943
0.008943
0.008944
0.008944
0.008944
0.008945
0.008945
0.008945
0.008945
19
0.009073
0.009072
0.009072
0.009072
0.009071
0.009071
0.009071
0.009070
0.009070
0.009070
0.009069
18
0.009222
0.009221
0.009220
0.009218
0.009217
0.009216
0.009215
0.009214
0.009213
0.009212
0.009211
17
0.009391
0.009389
0.009387
0.009386
0.009384
0.009382
0.009380
0.009393
0.009391
0.009389
0.009388
16
0.009584
0.009581
0.009578
0.009591
0.009588
0.009585
0.009582
0.009579
0.009576
0.009589
0.009586
15
0.009818
0.009814
0.009810
0.009822
0.009818
0.009814
0.009810
0.009822
0.009818
0.009814
0.009810
14
0.010083
0.010095
0.010089
0.010083
0.010095
0.010089
0.010084
0.010078
0.010090
0.010084
0.010079
13
0.010400
0.010411
0.010404
0.010415
0.010407
0.010418
0.010411
0.010403
0.010414
0.010407
0.010418
12
0.010800
0.010790
0.010800
0.010790
0.010800
0.010790
0.010800
0.010790
0.010800
0.010790
0.010800
11
0.011255
0.011263
0.011272
0.011259
0.011268
0.011254
0.011263
0.011272
0.011259
0.011267
0.011254
10
0.011848
0.011830
0.011837
0.011844
0.011851
0.011833
0.011840
0.011847
0.011830
0.011836
0.011843
9
0.012564
0.012568
0.012544
0.012548
0.012553
0.012557
0.012561
0.012565
0.012569
0.012546
0.012550
8
0.013468
0.013468
0.013468
0.013468
0.013468
0.013468
0.013469
0.013469
0.013469
0.013469
0.013469
7
0.014663
0.014657
0.014651
0.014683
0.014677
0.014671
0.014665
0.014659
0.014653
0.014684
0.014678
6
0.016278
0.016309
0.016293
0.016277
0.016308
0.016292
0.016276
0.016306
0.016291
0.016275
0.016305
5
0.018596
0.018563
0.018590
0.018557
0.018584
0.018612
0.018579
0.018606
0.018573
0.018600
0.018568
4
0.022110
0.022043
0.022062
0.022081
0.022100
0.022034
0.022053
0.022072
0.022091
0.022026
0.022045
3
0.027940
0.027936
0.027931
0.027926
0.027922
0.027917
0.027913
0.027909
0.027904
0.027900
0.027896
2
0.039830
0.039739
0.039650
0.039839
0.039750
0.039662
0.039848
0.039760
0.039673
0.039857
0.039770
1
0.075892
0.075240
0.075600
0.075960
0.075316
0.075671
0.075039
0.075390
0.075740
0.075115
0.075462
 
 
Salario (UMA)
Plazo
(años)
21.9
22.0
22.1
22.2
22.3
22.4
22.5
22.6
22.7
22.8
22.9
30
0.008459
0.008462
0.008452
0.008454
0.008456
0.008459
0.008461
0.008463
0.008454
0.008456
0.008458
29
0.008459
0.008462
0.008452
0.008454
0.008456
0.008459
0.008461
0.008463
0.008454
0.008456
0.008458
28
0.008459
0.008462
0.008452
0.008454
0.008456
0.008459
0.008461
0.008463
0.008454
0.008456
0.008458
27
0.008459
0.008462
0.008452
0.008454
0.008456
0.008459
0.008461
0.008463
0.008454
0.008456
0.008458
26
0.008459
0.008462
0.008452
0.008454
0.008456
0.008459
0.008461
0.008463
0.008454
0.008456
0.008458
25
0.008520
0.008510
0.008512
0.008514
0.008516
0.008518
0.008520
0.008510
0.008513
0.008515
0.008517
24
0.008582
0.008584
0.008586
0.008575
0.008577
0.008579
0.008581
0.008582
0.008584
0.008574
0.008576
23
0.008657
0.008659
0.008648
0.008649
0.008651
0.008652
0.008654
0.008655
0.008657
0.008658
0.008648
22
0.008734
0.008735
0.008736
0.008738
0.008739
0.008740
0.008741
0.008742
0.008743
0.008732
0.008733
21
0.008839
0.008839
0.008840
0.008828
0.008828
0.008829
0.008830
0.008831
0.008831
0.008832
0.008833
20
0.008946
0.008946
0.008946
0.008946
0.008947
0.008947
0.008947
0.008947
0.008947
0.008948
0.008948
19
0.009069
0.009069
0.009068
0.009068
0.009068
0.009067
0.009067
0.009067
0.009067
0.009066
0.009066
18
0.009210
0.009224
0.009223
0.009222
0.009221
0.009220
0.009219
0.009218
0.009217
0.009216
0.009215
17
0.009386
0.009384
0.009382
0.009380
0.009393
0.009391
0.009389
0.009388
0.009386
0.009384
0.009382
16
0.009583
0.009581
0.009578
0.009590
0.009588
0.009585
0.009582
0.009579
0.009577
0.009589
0.009586
15
0.009822
0.009818
0.009814
0.009810
0.009806
0.009818
0.009814
0.009810
0.009806
0.009818
0.009814
14
0.010090
0.010085
0.010079
0.010091
0.010085
0.010080
0.010091
0.010086
0.010081
0.010092
0.010086
13
0.010410
0.010403
0.010414
0.010406
0.010417
0.010410
0.010402
0.010413
0.010406
0.010416
0.010409
12
0.010790
0.010800
0.010790
0.010800
0.010790
0.010800
0.010790
0.010800
0.010790
0.010800
0.010791
11
0.011263
0.011271
0.011258
0.011267
0.011254
0.011263
0.011271
0.011258
0.011267
0.011254
0.011262
10
0.011850
0.011833
0.011839
0.011846
0.011829
0.011836
0.011842
0.011849
0.011832
0.011838
0.011845
9
0.012554
0.012558
0.012562
0.012566
0.012570
0.012548
0.012552
0.012556
0.012559
0.012563
0.012567
8
0.013469
0.013469
0.013470
0.013470
0.013470
0.013470
0.013470
0.013470
0.013470
0.013470
0.013471
7
0.014672
0.014667
0.014661
0.014655
0.014685
0.014680
0.014674
0.014668
0.014663
0.014657
0.014652
6
0.016289
0.016274
0.016303
0.016288
0.016273
0.016302
0.016287
0.016272
0.016301
0.016286
0.016271
5
0.018594
0.018563
0.018589
0.018557
0.018583
0.018609
0.018578
0.018604
0.018573
0.018598
0.018568
4
0.022063
0.022082
0.022100
0.022037
0.022055
0.022073
0.022091
0.022029
0.022047
0.022065
0.022082
3
0.027892
0.027887
0.027883
0.027879
0.027875
0.027871
0.027867
0.027863
0.027859
0.027982
0.027977
2
0.039685
0.039600
0.039780
0.039695
0.039612
0.039789
0.039706
0.039623
0.039799
0.039716
0.039635
1
0.075808
0.075190
0.075532
0.075873
0.075263
0.075600
0.075000
0.075333
0.075667
0.075073
0.075402
 
 
Salario (UMA)
Plazo
(años)
23.0
23.1
23.2
23.3
23.4
23.5
23.6
23.7
23.8
23.9
24.0
30
0.008460
0.008463
0.008453
0.008456
0.008458
0.008460
0.008462
0.008453
0.008455
0.008457
0.008460
29
0.008460
0.008463
0.008453
0.008456
0.008458
0.008460
0.008462
0.008453
0.008455
0.008457
0.008460
28
0.008460
0.008463
0.008453
0.008456
0.008458
0.008460
0.008462
0.008453
0.008455
0.008457
0.008460
27
0.008460
0.008463
0.008453
0.008456
0.008458
0.008460
0.008462
0.008453
0.008455
0.008457
0.008460
26
0.008460
0.008463
0.008453
0.008456
0.008458
0.008460
0.008462
0.008453
0.008455
0.008457
0.008460
25
0.008519
0.008509
0.008511
0.008513
0.008515
0.008517
0.008519
0.008509
0.008511
0.008513
0.008515
24
0.008577
0.008579
0.008581
0.008583
0.008584
0.008574
0.008576
0.008578
0.008579
0.008581
0.008583
23
0.008649
0.008650
0.008652
0.008653
0.008655
0.008656
0.008658
0.008659
0.008649
0.008650
0.008652
22
0.008734
0.008735
0.008736
0.008738
0.008739
0.008740
0.008741
0.008742
0.008743
0.008732
0.008733
21
0.008834
0.008834
0.008835
0.008836
0.008836
0.008837
0.008838
0.008838
0.008839
0.008828
0.008828
20
0.008948
0.008948
0.008949
0.008949
0.008949
0.008949
0.008949
0.008950
0.008950
0.008938
0.008938
19
0.009066
0.009065
0.009065
0.009065
0.009065
0.009064
0.009064
0.009077
0.009076
0.009076
0.009076
18
0.009214
0.009213
0.009212
0.009211
0.009223
0.009222
0.009221
0.009220
0.009220
0.009219
0.009218
17
0.009381
0.009393
0.009391
0.009390
0.009388
0.009386
0.009384
0.009383
0.009381
0.009379
0.009391
16
0.009583
0.009581
0.009578
0.009590
0.009587
0.009585
0.009582
0.009579
0.009577
0.009588
0.009586
15
0.009810
0.009807
0.009818
0.009814
0.009811
0.009807
0.009818
0.009814
0.009811
0.009807
0.009818
14
0.010081
0.010092
0.010087
0.010082
0.010093
0.010087
0.010082
0.010093
0.010088
0.010083
0.010078
13
0.010402
0.010412
0.010405
0.010416
0.010409
0.010402
0.010412
0.010405
0.010415
0.010408
0.010401
12
0.010800
0.010791
0.010800
0.010791
0.010800
0.010791
0.010800
0.010791
0.010800
0.010791
0.010800
11
0.011270
0.011258
0.011266
0.011254
0.011262
0.011270
0.011258
0.011266
0.011254
0.011262
0.011270
10
0.011829
0.011835
0.011841
0.011847
0.011831
0.011838
0.011844
0.011828
0.011834
0.011840
0.011846
9
0.012545
0.012549
0.012553
0.012557
0.012561
0.012564
0.012568
0.012547
0.012551
0.012554
0.012558
8
0.013471
0.013471
0.013471
0.013471
0.013471
0.013471
0.013471
0.013472
0.013472
0.013472
0.013472
7
0.014681
0.014675
0.014670
0.014664
0.014659
0.014654
0.014682
0.014677
0.014671
0.014666
0.014661
6
0.016299
0.016285
0.016270
0.016298
0.016284
0.016269
0.016297
0.016282
0.016268
0.016295
0.016281
5
0.018593
0.018563
0.018588
0.018558
0.018582
0.018607
0.018577
0.018602
0.018572
0.018597
0.018567
4
0.022100
0.022039
0.022056
0.022074
0.022091
0.022031
0.022048
0.022066
0.022082
0.022099
0.022041
3
0.027973
0.027969
0.027964
0.027960
0.027956
0.027952
0.027947
0.027943
0.027939
0.027935
0.027931
2
0.039808
0.039726
0.039646
0.039816
0.039736
0.039656
0.039825
0.039745
0.039667
0.039833
0.039755
1
0.075732
0.075145
0.075470
0.075795
0.075214
0.075536
0.075857
0.075282
0.075600
0.075035
0.075349
 
 
Salario (UMA)
Plazo
(años)
24.1
24.2
24.3
24.4
24.5
24.6
24.7
24.8
24.9
25.0
30
0.008462
0.008453
0.008455
0.008457
0.008459
0.008461
0.008452
0.008455
0.008457
0.008459
29
0.008462
0.008453
0.008455
0.008457
0.008459
0.008461
0.008452
0.008455
0.008457
0.008459
28
0.008462
0.008453
0.008455
0.008457
0.008459
0.008461
0.008452
0.008455
0.008457
0.008459
27
0.008462
0.008453
0.008455
0.008457
0.008459
0.008461
0.008452
0.008455
0.008457
0.008459
26
0.008462
0.008453
0.008455
0.008457
0.008459
0.008461
0.008452
0.008455
0.008457
0.008459
25
0.008517
0.008519
0.008510
0.008512
0.008514
0.008515
0.008517
0.008519
0.008510
0.008512
24
0.008584
0.008575
0.008576
0.008578
0.008580
0.008581
0.008583
0.008574
0.008575
0.008577
23
0.008653
0.008654
0.008656
0.008657
0.008658
0.008648
0.008650
0.008651
0.008653
0.008654
22
0.008734
0.008735
0.008736
0.008737
0.008738
0.008739
0.008740
0.008742
0.008743
0.008732
21
0.008829
0.008830
0.008830
0.008831
0.008832
0.008832
0.008833
0.008834
0.008834
0.008835
20
0.008938
0.008938
0.008939
0.008939
0.008939
0.008939
0.008940
0.008940
0.008940
0.008940
19
0.009075
0.009075
0.009075
0.009074
0.009074
0.009074
0.009073
0.009073
0.009073
0.009073
18
0.009217
0.009216
0.009215
0.009214
0.009213
0.009212
0.009211
0.009210
0.009222
0.009221
17
0.009390
0.009388
0.009386
0.009385
0.009383
0.009381
0.009380
0.009391
0.009390
0.009388
16
0.009583
0.009581
0.009578
0.009590
0.009587
0.009584
0.009582
0.009579
0.009577
0.009588
15
0.009814
0.009811
0.009807
0.009818
0.009815
0.009811
0.009807
0.009818
0.009815
0.009811
14
0.010088
0.010083
0.010078
0.010089
0.010084
0.010079
0.010089
0.010084
0.010079
0.010090
13
0.010411
0.010404
0.010414
0.010408
0.010401
0.010411
0.010404
0.010414
0.010407
0.010401
12
0.010791
0.010800
0.010791
0.010800
0.010791
0.010800
0.010791
0.010800
0.010791
0.010800
11
0.011258
0.011266
0.011254
0.011262
0.011269
0.011258
0.011265
0.011254
0.011261
0.011269
10
0.011831
0.011837
0.011843
0.011849
0.011834
0.011840
0.011845
0.011830
0.011836
0.011842
9
0.012562
0.012565
0.012545
0.012549
0.012552
0.012556
0.012559
0.012563
0.012566
0.012546
8
0.013472
0.013472
0.013472
0.013472
0.013473
0.013473
0.013473
0.013473
0.013473
0.013473
7
0.014655
0.014650
0.014678
0.014673
0.014667
0.014662
0.014657
0.014652
0.014679
0.014674
6
0.016268
0.016294
0.016280
0.016267
0.016293
0.016279
0.016266
0.016292
0.016278
0.016265
5
0.018591
0.018563
0.018586
0.018558
0.018581
0.018605
0.018577
0.018600
0.018572
0.018595
4
0.022058
0.022074
0.022091
0.022033
0.022050
0.022066
0.022083
0.022026
0.022043
0.022059
3
0.027927
0.027923
0.027919
0.027915
0.027911
0.027908
0.027904
0.027900
0.027896
0.027893
2
0.039677
0.039600
0.039764
0.039687
0.039611
0.039772
0.039696
0.039621
0.039781
0.039706
1
0.075663
0.075103
0.075414
0.075724
0.075170
0.075477
0.075784
0.075236
0.075539
0.075000
 
D.    Tabla de Factores de descuento Régimen Especial de Amortización
 
Salario (UMA)
Plazo
(años)
1.0
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
1.9
2.0
30
0.002778
0.003911
0.004174
0.004379
0.004571
0.004706
0.004876
0.005037
0.005143
0.005287
0.005378
29
0.002778
0.003911
0.004174
0.004379
0.004571
0.004706
0.004876
0.005037
0.005143
0.005287
0.005378
28
0.002778
0.003911
0.004174
0.004379
0.004571
0.004706
0.004876
0.005037
0.005143
0.005287
0.005378
27
0.002778
0.003911
0.004174
0.004379
0.004571
0.004706
0.004876
0.005037
0.005143
0.005287
0.005378
26
0.002778
0.003911
0.004174
0.004379
0.004571
0.004706
0.004876
0.005037
0.005143
0.005287
0.005378
25
0.002907
0.004046
0.004315
0.004522
0.004716
0.004848
0.005020
0.005181
0.005284
0.005429
0.005517
24
0.003049
0.004190
0.004465
0.004674
0.004870
0.005000
0.005172
0.005333
0.005434
0.005578
0.005664
23
0.003205
0.004346
0.004627
0.004837
0.005034
0.005161
0.005278
0.005440
0.005538
0.005682
0.005766
22
0.003378
0.004513
0.004800
0.004952
0.005149
0.005275
0.005447
0.005608
0.005703
0.005846
0.005926
21
0.003571
0.004693
0.004987
0.005136
0.005333
0.005455
0.005626
0.005787
0.005878
0.006020
0.006095
20
0.003788
0.004889
0.005189
0.005333
0.005531
0.005647
0.005818
0.005978
0.006063
0.006204
0.006337
19
0.003968
0.005101
0.005408
0.005547
0.005744
0.005926
0.006024
0.006182
0.006330
0.006468
0.006531
18
0.004237
0.005415
0.005647
0.005859
0.005973
0.006154
0.006321
0.006476
0.006545
0.006681
0.006737
17
0.004545
0.005677
0.005908
0.006118
0.006310
0.006400
0.006564
0.006716
0.006776
0.006909
0.007033
16
0.004808
0.005966
0.006194
0.006400
0.006588
0.006761
0.006919
0.006974
0.007111
0.007238
0.007356
15
0.005208
0.006286
0.006621
0.006820
0.006892
0.007059
0.007211
0.007351
0.007481
0.007600
0.007711
14
0.005556
0.006769
0.006982
0.007172
0.007344
0.007500
0.007642
0.007771
0.007890
0.008000
0.008101
13
0.006098
0.007184
0.007385
0.007704
0.007860
0.007869
0.008127
0.008242
0.008348
0.008444
0.008533
12
0.006579
0.007822
0.008000
0.008157
0.008296
0.008421
0.008678
0.008774
0.008862
0.008941
0.009014
11
0.007353
0.008381
0.008727
0.008851
0.008960
0.009057
0.009309
0.009379
0.009443
0.009651
0.009697
10
0.008065
0.009263
0.009366
0.009674
0.009739
0.009796
0.010039
0.010264
0.010286
0.010305
0.010492
9
0.008929
0.010057
0.010378
0.010667
0.010667
0.010909
0.010894
0.011102
0.011294
0.011259
0.011429
8
0.010417
0.011355
0.011636
0.011886
0.011789
0.012000
0.012190
0.012364
0.012522
0.012408
0.012549
7
0.011905
0.013037
0.013241
0.013419
0.013576
0.013714
0.013838
0.013949
0.014049
0.014140
0.014222
6
0.013889
0.015304
0.015360
0.015407
0.015448
0.015484
0.016000
0.016000
0.016000
0.016000
0.016000
5
0.016667
0.017600
0.018286
0.018087
0.018667
0.018462
0.018963
0.018759
0.018581
0.019000
0.018824
4
0.020833
0.022000
0.022588
0.023111
0.022400
0.022857
0.023273
0.023652
0.023040
0.023385
0.023704
3
0.027778
0.029333
0.029538
0.029714
0.029867
0.030000
0.030118
0.030222
0.030316
0.030400
0.030476
2
0.041667
0.044000
0.048000
0.046222
0.044800
0.043636
0.046545
0.045333
0.044308
0.046769
0.045714
1
0.125000
0.088000
0.096000
0.104000
0.089600
0.096000
0.102400
0.090667
0.096000
0.086857
0.091429
 
 
Salario (UMA)
Plazo
(años)
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
3.0
3.1
30
0.005463
0.005543
0.005618
0.005689
0.005755
0.005778
0.005878
0.006013
0.006105
0.006234
0.006359
29
0.005463
0.005543
0.005618
0.005689
0.005755
0.005778
0.005878
0.006013
0.006105
0.006234
0.006359
28
0.005463
0.005543
0.005618
0.005689
0.005755
0.005778
0.005878
0.006013
0.006105
0.006234
0.006359
27
0.005463
0.005543
0.005618
0.005689
0.005755
0.005778
0.005878
0.006013
0.006105
0.006234
0.006359
26
0.005463
0.005543
0.005618
0.005689
0.005755
0.005778
0.005878
0.006013
0.006105
0.006234
0.006359
25
0.005600
0.005677
0.005750
0.005818
0.005882
0.005901
0.006000
0.006137
0.006228
0.006358
0.006484
24
0.005744
0.005818
0.005888
0.005953
0.006015
0.006029
0.006128
0.006266
0.006356
0.006486
0.006613
23
0.005895
0.005966
0.006033
0.006095
0.006154
0.006163
0.006261
0.006400
0.006490
0.006621
0.006703
22
0.006054
0.006122
0.006185
0.006244
0.006299
0.006303
0.006400
0.006540
0.006629
0.006761
0.006841
21
0.006222
0.006286
0.006345
0.006400
0.006452
0.006500
0.006595
0.006687
0.006774
0.006906
0.007035
20
0.006400
0.006459
0.006513
0.006621
0.006667
0.006656
0.006750
0.006892
0.006977
0.007059
0.007188
19
0.006588
0.006705
0.006752
0.006796
0.006897
0.006876
0.006968
0.007111
0.007194
0.007273
0.007403
18
0.006857
0.006902
0.007010
0.007046
0.007080
0.007111
0.007200
0.007344
0.007424
0.007500
0.007631
17
0.007074
0.007184
0.007216
0.007314
0.007339
0.007363
0.007448
0.007593
0.007669
0.007742
0.007873
16
0.007385
0.007489
0.007510
0.007604
0.007692
0.007704
0.007784
0.007860
0.007932
0.008067
0.008131
15
0.007724
0.007822
0.007914
0.007918
0.008000
0.008000
0.008075
0.008220
0.008286
0.008348
0.008479
14
0.008096
0.008186
0.008270
0.008348
0.008421
0.008404
0.008471
0.008615
0.008673
0.008727
0.008857
13
0.008615
0.008691
0.008762
0.008828
0.008791
0.008851
0.008907
0.009051
0.009098
0.009231
0.009271
12
0.009081
0.009143
0.009200
0.009366
0.009412
0.009348
0.009495
0.009532
0.009667
0.009697
0.009822
11
0.009739
0.009778
0.009946
0.009974
0.010000
0.010024
0.010047
0.010182
0.010311
0.010323
0.010442
10
0.010500
0.010667
0.010667
0.010667
0.010811
0.010805
0.010800
0.010927
0.011048
0.011163
0.011146
9
0.011390
0.011541
0.011500
0.011636
0.011765
0.011718
0.011836
0.011947
0.011897
0.012000
0.012098
8
0.012679
0.012800
0.012690
0.012800
0.012903
0.012800
0.012896
0.012986
0.013070
0.013151
0.013227
7
0.014298
0.014367
0.014154
0.014222
0.014286
0.014345
0.014400
0.014452
0.014730
0.014769
0.014806
6
0.016390
0.016372
0.016356
0.016340
0.016327
0.016314
0.016615
0.016593
0.016571
0.016842
0.016814
5
0.019200
0.019027
0.019368
0.019200
0.019512
0.019349
0.019200
0.019478
0.019333
0.019592
0.019840
4
0.023172
0.023467
0.023742
0.023273
0.023529
0.023771
0.023351
0.023579
0.023795
0.024000
0.024195
3
0.030545
0.030609
0.030667
0.030720
0.030769
0.030815
0.030857
0.030897
0.030933
0.030968
0.031000
2
0.044800
0.046933
0.046000
0.045176
0.044444
0.046222
0.045474
0.044800
0.046400
0.045714
0.045091
1
0.096000
0.088000
0.092000
0.096000
0.088889
0.092444
0.096000
0.089600
0.092800
0.087273
0.090182
 
 
Salario (UMA)
Plazo
(años)
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
4.0
4.1
4.2
30
0.006481
0.006600
0.006716
0.006829
0.006940
0.007048
0.007195
0.007298
0.007399
0.007540
0.007636
29
0.006481
0.006600
0.006716
0.006829
0.006940
0.007048
0.007195
0.007298
0.007399
0.007540
0.007636
28
0.006481
0.006600
0.006716
0.006829
0.006940
0.007048
0.007195
0.007298
0.007399
0.007540
0.007636
27
0.006481
0.006600
0.006716
0.006829
0.006940
0.007048
0.007195
0.007298
0.007399
0.007540
0.007636
26
0.006481
0.006600
0.006716
0.006829
0.006940
0.007048
0.007195
0.007298
0.007399
0.007540
0.007636
25
0.006606
0.006726
0.006843
0.006957
0.007067
0.007176
0.007325
0.007429
0.007485
0.007628
0.007724
24
0.006693
0.006813
0.006930
0.007044
0.007155
0.007264
0.007415
0.007518
0.007619
0.007763
0.007814
23
0.006827
0.006947
0.007065
0.007179
0.007291
0.007354
0.007506
0.007610
0.007711
0.007856
0.007953
22
0.006966
0.007087
0.007205
0.007320
0.007385
0.007494
0.007648
0.007752
0.007853
0.007952
0.008048
21
0.007111
0.007233
0.007351
0.007467
0.007529
0.007639
0.007795
0.007899
0.007950
0.008099
0.008195
20
0.007314
0.007385
0.007503
0.007619
0.007732
0.007789
0.007948
0.008052
0.008153
0.008252
0.008348
19
0.007474
0.007597
0.007716
0.007778
0.007890
0.008000
0.008107
0.008211
0.008312
0.008410
0.008506
18
0.007699
0.007822
0.007942
0.008000
0.008113
0.008222
0.008329
0.008432
0.008533
0.008632
0.008727
17
0.007938
0.008061
0.008180
0.008235
0.008348
0.008457
0.008563
0.008667
0.008767
0.008865
0.008960
16
0.008258
0.008381
0.008434
0.008550
0.008662
0.008706
0.008812
0.008914
0.009014
0.009111
0.009205
15
0.008605
0.008656
0.008774
0.008889
0.008930
0.009038
0.009143
0.009244
0.009343
0.009439
0.009532
14
0.008982
0.009026
0.009143
0.009256
0.009290
0.009397
0.009500
0.009600
0.009697
0.009791
0.009882
13
0.009394
0.009514
0.009544
0.009655
0.009763
0.009867
0.009967
0.010065
0.010079
0.010250
0.010260
12
0.009942
0.010057
0.010074
0.010182
0.010286
0.010386
0.010483
0.010487
0.010579
0.010754
0.010752
11
0.010557
0.010667
0.010667
0.010769
0.010868
0.010963
0.011055
0.011143
0.011228
0.011310
0.011390
10
0.011253
0.011355
0.011453
0.011546
0.011636
0.011723
0.011806
0.011886
0.011963
0.012037
0.012108
9
0.012190
0.012279
0.012364
0.012444
0.012522
0.012596
0.012667
0.012735
0.012800
0.012990
0.013049
8
0.013299
0.013538
0.013600
0.013659
0.013714
0.013767
0.013818
0.013867
0.014066
0.014108
0.014147
7
0.014841
0.014873
0.015111
0.015135
0.015158
0.015179
0.015392
0.015407
0.015422
0.015619
0.015628
6
0.016787
0.017032
0.017000
0.017231
0.017194
0.017159
0.017371
0.017333
0.017534
0.017493
0.017684
5
0.019692
0.019925
0.019782
0.020000
0.019862
0.020068
0.020267
0.020129
0.020317
0.020500
0.020364
4
0.023814
0.024000
0.024178
0.024348
0.024511
0.024163
0.024320
0.024471
0.024615
0.024755
0.024889
3
0.031030
0.031059
0.031086
0.031111
0.031135
0.031158
0.032000
0.032000
0.032000
0.032000
0.032000
2
0.046545
0.045913
0.045333
0.046667
0.046080
0.045538
0.046769
0.046222
0.045714
0.046857
0.046345
1
0.093091
0.088000
0.090667
0.093333
0.088615
0.091077
0.093538
0.089143
0.091429
0.093714
0.089600
 
 
Salario (UMA)
Plazo
(años)
4.3
4.4
4.5
4.6
4.7
4.8
4.9
5.0
5.1
5.2
5.3
30
0.007774
0.007910
0.008000
0.008133
0.008264
0.008393
0.008476
0.008602
0.008727
0.008851
0.008974
29
0.007774
0.007910
0.008000
0.008133
0.008264
0.008393
0.008476
0.008602
0.008727
0.008851
0.008974
28
0.007774
0.007910
0.008000
0.008133
0.008264
0.008393
0.008476
0.008602
0.008727
0.008851
0.008974
27
0.007774
0.007910
0.008000
0.008133
0.008264
0.008393
0.008476
0.008602
0.008727
0.008851
0.008974
26
0.007774
0.007910
0.008000
0.008133
0.008264
0.008393
0.008476
0.008602
0.008727
0.008851
0.008974
25
0.007863
0.008000
0.008090
0.008223
0.008356
0.008486
0.008568
0.008696
0.008822
0.008946
0.009070
24
0.007954
0.008092
0.008182
0.008316
0.008449
0.008581
0.008663
0.008791
0.008918
0.009043
0.009168
23
0.008094
0.008186
0.008276
0.008411
0.008545
0.008678
0.008760
0.008889
0.009017
0.009143
0.009217
22
0.008190
0.008331
0.008421
0.008509
0.008644
0.008777
0.008859
0.008989
0.009117
0.009244
0.009319
21
0.008339
0.008431
0.008521
0.008659
0.008795
0.008930
0.008960
0.009091
0.009220
0.009348
0.009475
20
0.008494
0.008585
0.008675
0.008814
0.008952
0.009035
0.009116
0.009249
0.009379
0.009455
0.009582
19
0.008654
0.008745
0.008834
0.008976
0.009115
0.009198
0.009278
0.009412
0.009544
0.009618
0.009747
18
0.008821
0.008968
0.009057
0.009143
0.009284
0.009423
0.009503
0.009581
0.009714
0.009846
0.009918
17
0.009053
0.009203
0.009290
0.009376
0.009519
0.009600
0.009679
0.009816
0.009891
0.010024
0.010156
16
0.009361
0.009450
0.009536
0.009621
0.009766
0.009846
0.009924
0.010063
0.010137
0.010272
0.010405
15
0.009622
0.009778
0.009796
0.009946
0.010027
0.010172
0.010248
0.010323
0.010462
0.010532
0.010667
14
0.009971
0.010129
0.010141
0.010294
0.010372
0.010521
0.010595
0.010667
0.010808
0.010876
0.011013
13
0.010424
0.010507
0.010588
0.010667
0.010820
0.010894
0.010965
0.011111
0.011178
0.011320
0.011383
12
0.010921
0.011000
0.011077
0.011152
0.011308
0.011378
0.011445
0.011594
0.011657
0.011801
0.011860
11
0.011467
0.011636
0.011707
0.011776
0.011843
0.012000
0.012062
0.012121
0.012271
0.012326
0.012471
10
0.012177
0.012351
0.012414
0.012475
0.012639
0.012694
0.012748
0.012800
0.012952
0.013000
0.013147
9
0.013105
0.013159
0.013333
0.013382
0.013429
0.013593
0.013635
0.013675
0.013831
0.013867
0.014017
8
0.014186
0.014367
0.014400
0.014574
0.014602
0.014629
0.014792
0.014815
0.014972
0.014991
0.015143
7
0.015636
0.015820
0.015824
0.016000
0.016000
0.016168
0.016165
0.016327
0.016320
0.016475
0.016627
6
0.017641
0.017823
0.017778
0.017951
0.018120
0.018071
0.018233
0.018182
0.018337
0.018489
0.018637
5
0.020537
0.020706
0.020571
0.020732
0.020889
0.021041
0.020907
0.021053
0.021195
0.021333
0.021200
4
0.024571
0.024702
0.024828
0.024949
0.025067
0.025180
0.025290
0.025397
0.025500
0.025600
0.025697
3
0.032000
0.032000
0.032000
0.032000
0.032000
0.032000
0.032667
0.032653
0.032640
0.032627
0.032615
2
0.045867
0.046933
0.046452
0.046000
0.047000
0.046545
0.046118
0.047059
0.046629
0.047543
0.047111
1
0.091733
0.093867
0.090000
0.092000
0.088471
0.090353
0.092235
0.088889
0.090667
0.092444
0.089263
 
 
Salario (UMA)
Plazo
(años)
5.4
5.5
5.6
5.7
5.8
5.9
6.0
6.1
6.2
6.3
6.4
30
0.009095
0.009215
0.009333
0.009451
0.009567
0.009682
0.009796
0.009959
0.010071
0.010182
0.010291
29
0.009095
0.009215
0.009333
0.009451
0.009567
0.009682
0.009796
0.009959
0.010071
0.010182
0.010291
28
0.009095
0.009215
0.009333
0.009451
0.009567
0.009682
0.009796
0.009959
0.010071
0.010182
0.010291
27
0.009095
0.009215
0.009333
0.009451
0.009567
0.009682
0.009796
0.009959
0.010071
0.010182
0.010291
26
0.009095
0.009215
0.009333
0.009451
0.009567
0.009682
0.009796
0.009959
0.010071
0.010182
0.010291
25
0.009191
0.009312
0.009432
0.009550
0.009667
0.009782
0.009897
0.010062
0.010174
0.010286
0.010396
24
0.009290
0.009362
0.009481
0.009600
0.009717
0.009833
0.009948
0.010114
0.010227
0.010338
0.010449
23
0.009341
0.009462
0.009583
0.009702
0.009820
0.009937
0.010052
0.010220
0.010333
0.010446
0.010557
22
0.009443
0.009565
0.009686
0.009806
0.009925
0.010043
0.010159
0.010328
0.010442
0.010500
0.010611
21
0.009600
0.009670
0.009792
0.009913
0.010032
0.010151
0.010267
0.010439
0.010553
0.010611
0.010723
20
0.009708
0.009832
0.009956
0.010077
0.010142
0.010261
0.010378
0.010551
0.010667
0.010781
0.010894
19
0.009874
0.010000
0.010067
0.010190
0.010311
0.010431
0.010549
0.010725
0.010783
0.010897
0.011011
18
0.010047
0.010173
0.010240
0.010364
0.010486
0.010607
0.010726
0.010844
0.010961
0.011077
0.011191
17
0.010225
0.010353
0.010480
0.010605
0.010667
0.010789
0.010909
0.011091
0.011146
0.011263
0.011378
16
0.010473
0.010602
0.010731
0.010857
0.010918
0.011041
0.011163
0.011283
0.011402
0.011520
0.011636
15
0.010800
0.010864
0.010994
0.011122
0.011181
0.011305
0.011429
0.011550
0.011671
0.011789
0.011907
14
0.011077
0.011210
0.011342
0.011400
0.011528
0.011654
0.011707
0.011902
0.012024
0.012072
0.012190
13
0.011520
0.011579
0.011712
0.011844
0.011897
0.012025
0.012152
0.012277
0.012400
0.012522
0.012564
12
0.012000
0.012055
0.012190
0.012242
0.012373
0.012503
0.012549
0.012758
0.012800
0.012923
0.013045
11
0.012522
0.012662
0.012709
0.012845
0.012979
0.013021
0.013151
0.013279
0.013405
0.013530
0.013563
10
0.013292
0.013333
0.013474
0.013511
0.013647
0.013781
0.013813
0.013943
0.014071
0.014197
0.014322
9
0.014164
0.014194
0.014336
0.014362
0.014500
0.014636
0.014656
0.014788
0.014917
0.015045
0.015170
8
0.015158
0.015304
0.015448
0.015458
0.015597
0.015733
0.015738
0.015870
0.016000
0.016128
0.016254
7
0.016615
0.016762
0.016906
0.016889
0.017028
0.017164
0.017297
0.017429
0.017558
0.017530
0.017655
6
0.018581
0.018723
0.018863
0.019000
0.018939
0.019071
0.019200
0.019327
0.019451
0.019573
0.019505
5
0.021333
0.021463
0.021590
0.021714
0.021835
0.021701
0.021818
0.022182
0.022292
0.022154
0.022261
4
0.025791
0.025882
0.025600
0.025690
0.025778
0.026222
0.026301
0.026378
0.026453
0.026526
0.026597
3
0.032604
0.032593
0.032582
0.033164
0.033143
0.033123
0.033103
0.033085
0.033627
0.033600
0.033574
2
0.046703
0.047568
0.047158
0.046769
0.047590
0.047200
0.048000
0.047610
0.047238
0.048000
0.047628
1
0.090947
0.092632
0.089600
0.091200
0.092800
0.089905
0.091429
0.092952
0.094476
0.096000
0.097524
 
 
Salario (UMA)
Plazo
(años)
6.5
6.6
6.7
6.8
6.9
7.0
7.1
7.2
7.3
7.4
7.5
30
0.010297
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
29
0.010297
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
28
0.010297
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
27
0.010297
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
26
0.010297
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
25
0.010400
0.010105
0.010113
0.010121
0.010128
0.010090
0.010098
0.010105
0.010113
0.010120
0.010127
24
0.010452
0.010203
0.010210
0.010168
0.010175
0.010182
0.010188
0.010195
0.010201
0.010163
0.010169
23
0.010558
0.010252
0.010258
0.010264
0.010270
0.010275
0.010281
0.010286
0.010291
0.010251
0.010256
22
0.010612
0.010353
0.010357
0.010362
0.010366
0.010370
0.010374
0.010378
0.010382
0.010386
0.010390
21
0.010722
0.010507
0.010510
0.010512
0.010464
0.010467
0.010470
0.010473
0.010475
0.010478
0.010480
20
0.010890
0.010613
0.010614
0.010615
0.010615
0.010616
0.010617
0.010618
0.010618
0.010619
0.010619
19
0.011005
0.010776
0.010774
0.010772
0.010771
0.010769
0.010768
0.010766
0.010765
0.010764
0.010762
18
0.011183
0.010943
0.010939
0.010935
0.010931
0.010927
0.010923
0.010919
0.010916
0.010963
0.010959
17
0.011366
0.011175
0.011167
0.011159
0.011152
0.011144
0.011137
0.011130
0.011124
0.011117
0.011163
16
0.011620
0.011355
0.011404
0.011393
0.011381
0.011371
0.011360
0.011350
0.011395
0.011385
0.011374
15
0.011886
0.011669
0.011652
0.011636
0.011683
0.011667
0.011651
0.011636
0.011680
0.011665
0.011650
14
0.012235
0.012000
0.011978
0.011956
0.012000
0.011979
0.011958
0.012000
0.011979
0.011960
0.012000
13
0.012606
0.012351
0.012393
0.012364
0.012335
0.012376
0.012348
0.012387
0.012360
0.012333
0.012371
12
0.013082
0.012800
0.012838
0.012800
0.012837
0.012800
0.012836
0.012800
0.012835
0.012800
0.012834
11
0.013595
0.013367
0.013400
0.013350
0.013382
0.013413
0.013365
0.013395
0.013349
0.013379
0.013408
10
0.014247
0.014080
0.014105
0.014039
0.014064
0.014088
0.014025
0.014049
0.014072
0.014095
0.014035
9
0.015182
0.014873
0.014889
0.014904
0.014919
0.014933
0.014947
0.014961
0.014879
0.014893
0.014907
8
0.016250
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017627
0.017455
0.017431
0.017408
0.017386
0.017364
0.017477
0.017455
0.017433
0.017412
0.017391
6
0.019623
0.019376
0.019315
0.019429
0.019368
0.019310
0.019419
0.019361
0.019306
0.019410
0.019355
5
0.022366
0.022000
0.022103
0.022204
0.022080
0.022178
0.022058
0.022154
0.022038
0.022131
0.022018
4
0.026329
0.026400
0.026146
0.026217
0.026286
0.026353
0.026115
0.026182
0.026247
0.026311
0.026374
3
0.033548
0.033524
0.033500
0.033477
0.033455
0.033433
0.033412
0.033391
0.033371
0.033352
0.033333
2
0.047273
0.046933
0.047644
0.047304
0.046979
0.047660
0.047333
0.047020
0.047673
0.047360
0.047059
1
0.099048
0.091826
0.089333
0.090667
0.092000
0.089600
0.090880
0.092160
0.089846
0.091077
0.088889
 
 
Salario (UMA)
Plazo
(años)
7.6
7.7
7.8
7.9
8.0
8.1
8.2
8.3
8.4
8.5
8.6
30
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
29
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
28
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
27
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
26
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
25
0.010091
0.010098
0.010105
0.010112
0.010119
0.010086
0.010092
0.010099
0.010105
0.010112
0.010118
24
0.010176
0.010182
0.010188
0.010194
0.010199
0.010165
0.010171
0.010176
0.010182
0.010187
0.010193
23
0.010262
0.010267
0.010272
0.010276
0.010281
0.010286
0.010250
0.010255
0.010260
0.010264
0.010269
22
0.010349
0.010353
0.010357
0.010361
0.010364
0.010368
0.010372
0.010375
0.010378
0.010382
0.010385
21
0.010483
0.010485
0.010487
0.010490
0.010492
0.010494
0.010496
0.010498
0.010500
0.010502
0.010464
20
0.010620
0.010621
0.010621
0.010622
0.010622
0.010623
0.010623
0.010624
0.010625
0.010625
0.010625
19
0.010761
0.010760
0.010759
0.010757
0.010756
0.010755
0.010754
0.010753
0.010752
0.010751
0.010750
18
0.010955
0.010951
0.010947
0.010944
0.010940
0.010937
0.010933
0.010930
0.010927
0.010924
0.010921
17
0.011156
0.011149
0.011143
0.011137
0.011130
0.011124
0.011119
0.011160
0.011154
0.011148
0.011142
16
0.011364
0.011355
0.011397
0.011387
0.011378
0.011368
0.011359
0.011350
0.011390
0.011381
0.011372
15
0.011636
0.011623
0.011664
0.011650
0.011636
0.011623
0.011662
0.011649
0.011636
0.011624
0.011661
14
0.011980
0.011961
0.012000
0.011981
0.011963
0.011945
0.011982
0.011964
0.011947
0.011982
0.011965
13
0.012345
0.012382
0.012356
0.012332
0.012367
0.012343
0.012377
0.012353
0.012330
0.012364
0.012341
12
0.012800
0.012833
0.012800
0.012832
0.012800
0.012832
0.012800
0.012831
0.012800
0.012830
0.012800
11
0.013363
0.013391
0.013348
0.013376
0.013403
0.013361
0.013388
0.013347
0.013373
0.013399
0.013359
10
0.014058
0.014080
0.014022
0.014044
0.014066
0.014087
0.014032
0.014053
0.014073
0.014021
0.014041
9
0.014920
0.014933
0.014946
0.014871
0.014884
0.014897
0.014909
0.014921
0.014933
0.014945
0.014876
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017371
0.017475
0.017455
0.017434
0.017415
0.017396
0.017377
0.017474
0.017455
0.017436
0.017418
6
0.019302
0.019402
0.019349
0.019298
0.019394
0.019343
0.019294
0.019387
0.019338
0.019291
0.019380
5
0.022109
0.022000
0.022088
0.022175
0.022069
0.022154
0.022050
0.022133
0.022033
0.022114
0.022016
4
0.026151
0.026213
0.026274
0.026333
0.026122
0.026182
0.026240
0.026297
0.026353
0.026154
0.026210
3
0.033315
0.033297
0.033280
0.033263
0.033247
0.033231
0.033215
0.033200
0.033185
0.033171
0.033157
2
0.047686
0.047385
0.047094
0.047698
0.047407
0.047127
0.047709
0.047429
0.047158
0.047719
0.047448
1
0.090074
0.091259
0.089143
0.090286
0.091429
0.089379
0.090483
0.091586
0.089600
0.090667
0.091733
 
 
Salario (UMA)
Plazo
(años)
8.7
8.8
8.9
9.0
9.1
9.2
9.3
9.4
9.5
9.6
9.7
30
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
29
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
28
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
27
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
26
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
25
0.010087
0.010093
0.010099
0.010105
0.010111
0.010117
0.010088
0.010094
0.010100
0.010105
0.010111
24
0.010198
0.010166
0.010171
0.010177
0.010182
0.010187
0.010192
0.010162
0.010167
0.010172
0.010177
23
0.010273
0.010277
0.010282
0.010249
0.010254
0.010258
0.010262
0.010266
0.010270
0.010274
0.010278
22
0.010349
0.010353
0.010356
0.010360
0.010363
0.010366
0.010369
0.010372
0.010375
0.010378
0.010381
21
0.010466
0.010468
0.010471
0.010473
0.010475
0.010477
0.010479
0.010481
0.010483
0.010485
0.010486
20
0.010626
0.010626
0.010627
0.010627
0.010628
0.010628
0.010629
0.010629
0.010629
0.010593
0.010594
19
0.010749
0.010748
0.010747
0.010746
0.010745
0.010745
0.010744
0.010743
0.010780
0.010779
0.010778
18
0.010918
0.010957
0.010954
0.010951
0.010947
0.010944
0.010941
0.010938
0.010935
0.010932
0.010930
17
0.011136
0.011130
0.011125
0.011120
0.011157
0.011152
0.011146
0.011141
0.011136
0.011130
0.011125
16
0.011363
0.011355
0.011392
0.011383
0.011375
0.011367
0.011359
0.011351
0.011386
0.011378
0.011370
15
0.011649
0.011636
0.011624
0.011660
0.011648
0.011636
0.011625
0.011659
0.011648
0.011636
0.011625
14
0.011948
0.011983
0.011966
0.011950
0.011984
0.011967
0.011952
0.011984
0.011969
0.011953
0.011985
13
0.012373
0.012351
0.012329
0.012361
0.012339
0.012370
0.012349
0.012328
0.012358
0.012337
0.012367
12
0.012829
0.012800
0.012829
0.012800
0.012828
0.012800
0.012828
0.012800
0.012827
0.012800
0.012826
11
0.013385
0.013346
0.013371
0.013395
0.013358
0.013382
0.013345
0.013369
0.013392
0.013357
0.013379
10
0.014061
0.014080
0.014030
0.014049
0.014068
0.014019
0.014038
0.014056
0.014074
0.014027
0.014045
9
0.014888
0.014899
0.014911
0.014922
0.014933
0.014869
0.014880
0.014891
0.014902
0.014913
0.014923
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017400
0.017383
0.017366
0.017455
0.017437
0.017420
0.017404
0.017387
0.017371
0.017455
0.017438
6
0.019333
0.019288
0.019374
0.019329
0.019285
0.019368
0.019325
0.019282
0.019363
0.019321
0.019280
5
0.022095
0.022000
0.022078
0.022154
0.022061
0.022135
0.022044
0.022118
0.022029
0.022101
0.022014
4
0.026264
0.026318
0.026128
0.026182
0.026234
0.026286
0.026105
0.026157
0.026207
0.026256
0.026305
3
0.033143
0.033129
0.033116
0.033103
0.033091
0.033079
0.033067
0.033055
0.033043
0.033032
0.033021
2
0.047186
0.046933
0.047467
0.047213
0.046968
0.047484
0.047238
0.047000
0.047500
0.047262
0.047030
1
0.089806
0.090839
0.089000
0.090000
0.091000
0.089212
0.090182
0.091152
0.089412
0.090353
0.091294
 
 
Salario (UMA)
Plazo
(años)
9.8
9.9
10.0
10.1
10.2
10.3
10.4
10.5
10.6
10.7
10.8
30
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
29
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
28
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
27
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
26
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
25
0.010116
0.010089
0.010095
0.010100
0.010105
0.010110
0.010085
0.010090
0.010095
0.010100
0.010105
24
0.010182
0.010186
0.010191
0.010164
0.010168
0.010173
0.010177
0.010182
0.010186
0.010190
0.010165
23
0.010282
0.010252
0.010256
0.010260
0.010264
0.010268
0.010272
0.010275
0.010279
0.010251
0.010255
22
0.010350
0.010353
0.010356
0.010359
0.010362
0.010365
0.010368
0.010370
0.010373
0.010376
0.010378
21
0.010488
0.010490
0.010492
0.010494
0.010495
0.010463
0.010465
0.010467
0.010469
0.010471
0.010473
20
0.010595
0.010595
0.010596
0.010597
0.010597
0.010598
0.010599
0.010599
0.010600
0.010601
0.010601
19
0.010777
0.010776
0.010774
0.010773
0.010772
0.010771
0.010770
0.010769
0.010768
0.010767
0.010766
18
0.010927
0.010924
0.010922
0.010919
0.010916
0.010950
0.010947
0.010945
0.010942
0.010939
0.010937
17
0.011121
0.011155
0.011150
0.011145
0.011140
0.011135
0.011130
0.011126
0.011121
0.011117
0.011148
16
0.011362
0.011355
0.011388
0.011380
0.011373
0.011366
0.011358
0.011351
0.011383
0.011375
0.011368
15
0.011658
0.011647
0.011636
0.011626
0.011657
0.011647
0.011636
0.011626
0.011656
0.011646
0.011636
14
0.011969
0.011955
0.011985
0.011970
0.011956
0.011985
0.011971
0.011957
0.011986
0.011972
0.011958
13
0.012346
0.012327
0.012355
0.012336
0.012364
0.012345
0.012326
0.012353
0.012335
0.012361
0.012343
12
0.012800
0.012826
0.012800
0.012825
0.012800
0.012825
0.012800
0.012824
0.012800
0.012824
0.012800
11
0.013345
0.013367
0.013389
0.013355
0.013377
0.013344
0.013365
0.013386
0.013354
0.013375
0.013344
10
0.014063
0.014080
0.014035
0.014052
0.014069
0.014026
0.014042
0.014059
0.014075
0.014033
0.014049
9
0.014933
0.014873
0.014884
0.014894
0.014904
0.014914
0.014924
0.014867
0.014877
0.014887
0.014897
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017422
0.017407
0.017391
0.017376
0.017455
0.017439
0.017424
0.017409
0.017395
0.017381
0.017367
6
0.019358
0.019317
0.019277
0.019353
0.019314
0.019388
0.019349
0.019310
0.019383
0.019345
0.019307
5
0.022085
0.022000
0.022069
0.022137
0.022054
0.022121
0.022040
0.022105
0.022026
0.022090
0.022013
4
0.026133
0.026182
0.026230
0.026276
0.026112
0.026159
0.026205
0.026250
0.026295
0.026137
0.026182
3
0.033362
0.033347
0.033333
0.033320
0.033306
0.033293
0.033280
0.033267
0.033255
0.033243
0.033231
2
0.047515
0.047284
0.047059
0.047529
0.047304
0.047086
0.047543
0.047324
0.047111
0.047556
0.047342
1
0.089600
0.090514
0.088889
0.089778
0.090667
0.089081
0.089946
0.090811
0.089263
0.090105
0.090947
 
 
Salario (UMA)
Plazo
(años)
10.9
11.0
11.1
11.2
11.3
11.4
11.5
11.6
11.7
11.8
11.9
30
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
29
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
28
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
27
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
26
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
25
0.010110
0.010086
0.010091
0.010096
0.010101
0.010105
0.010110
0.010087
0.010092
0.010096
0.010101
24
0.010169
0.010173
0.010178
0.010182
0.010186
0.010162
0.010166
0.010170
0.010174
0.010178
0.010182
23
0.010259
0.010262
0.010266
0.010269
0.010273
0.010276
0.010251
0.010254
0.010258
0.010261
0.010264
22
0.010350
0.010353
0.010356
0.010358
0.010361
0.010364
0.010366
0.010369
0.010371
0.010374
0.010376
21
0.010474
0.010476
0.010478
0.010480
0.010481
0.010483
0.010484
0.010486
0.010487
0.010489
0.010490
20
0.010602
0.010602
0.010603
0.010604
0.010604
0.010605
0.010605
0.010606
0.010606
0.010607
0.010607
19
0.010765
0.010765
0.010764
0.010763
0.010762
0.010761
0.010760
0.010759
0.010759
0.010758
0.010757
18
0.010934
0.010932
0.010929
0.010927
0.010924
0.010922
0.010920
0.010918
0.010947
0.010945
0.010943
17
0.011144
0.011139
0.011135
0.011130
0.011126
0.011122
0.011118
0.011147
0.011143
0.011139
0.011135
16
0.011362
0.011355
0.011385
0.011378
0.011371
0.011364
0.011358
0.011352
0.011380
0.011373
0.011367
15
0.011627
0.011656
0.011646
0.011636
0.011627
0.011655
0.011646
0.011636
0.011627
0.011654
0.011645
14
0.011945
0.011973
0.011960
0.011947
0.011974
0.011961
0.011948
0.011974
0.011962
0.011949
0.011975
13
0.012369
0.012351
0.012333
0.012359
0.012341
0.012366
0.012349
0.012332
0.012356
0.012340
0.012364
12
0.012824
0.012800
0.012823
0.012800
0.012823
0.012800
0.012822
0.012800
0.012822
0.012800
0.012822
11
0.013364
0.013384
0.013353
0.013373
0.013343
0.013363
0.013382
0.013353
0.013371
0.013343
0.013361
10
0.014065
0.014024
0.014040
0.014055
0.014070
0.014031
0.014046
0.014061
0.014022
0.014037
0.014052
9
0.014906
0.014915
0.014924
0.014871
0.014881
0.014890
0.014899
0.014908
0.014916
0.014925
0.014875
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017440
0.017426
0.017412
0.017398
0.017385
0.017371
0.017441
0.017427
0.017414
0.017401
0.017388
6
0.019378
0.019341
0.019304
0.019373
0.019337
0.019302
0.019368
0.019333
0.019299
0.019364
0.019330
5
0.022076
0.022000
0.022062
0.022123
0.022049
0.022109
0.022036
0.022095
0.022024
0.022082
0.022012
4
0.026226
0.026269
0.026118
0.026161
0.026203
0.026245
0.026286
0.026141
0.026182
0.026222
0.026262
3
0.033219
0.033208
0.033196
0.033185
0.033174
0.033164
0.033153
0.033143
0.033133
0.033123
0.033113
2
0.047135
0.046933
0.047360
0.047158
0.046961
0.047377
0.047179
0.046987
0.047392
0.047200
0.047012
1
0.089436
0.090256
0.091077
0.089600
0.090400
0.088976
0.089756
0.090537
0.089143
0.089905
0.090667
 
 
 
Salario (UMA)
Plazo
(años)
12.0
12.1
12.2
12.3
12.4
12.5
12.6
12.7
12.8
12.9
13.0
30
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
29
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
28
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
27
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
26
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
25
0.010105
0.010110
0.010088
0.010092
0.010097
0.010101
0.010105
0.010109
0.010089
0.010093
0.010097
24
0.010186
0.010163
0.010167
0.010171
0.010174
0.010178
0.010182
0.010185
0.010164
0.010167
0.010171
23
0.010267
0.010271
0.010274
0.010250
0.010253
0.010256
0.010260
0.010263
0.010266
0.010269
0.010272
22
0.010350
0.010353
0.010355
0.010358
0.010360
0.010363
0.010365
0.010367
0.010370
0.010372
0.010374
21
0.010463
0.010465
0.010466
0.010468
0.010470
0.010471
0.010473
0.010474
0.010476
0.010477
0.010479
20
0.010608
0.010608
0.010609
0.010609
0.010610
0.010610
0.010611
0.010611
0.010611
0.010612
0.010612
19
0.010756
0.010756
0.010755
0.010754
0.010753
0.010753
0.010752
0.010751
0.010751
0.010750
0.010749
18
0.010940
0.010938
0.010936
0.010933
0.010931
0.010929
0.010927
0.010925
0.010923
0.010921
0.010919
17
0.011130
0.011126
0.011123
0.011119
0.011146
0.011142
0.011138
0.011134
0.011130
0.011127
0.011123
16
0.011361
0.011355
0.011382
0.011376
0.011370
0.011364
0.011358
0.011352
0.011378
0.011372
0.011366
15
0.011636
0.011628
0.011654
0.011645
0.011636
0.011628
0.011653
0.011645
0.011636
0.011628
0.011653
14
0.011963
0.011951
0.011975
0.011964
0.011952
0.011976
0.011964
0.011953
0.011977
0.011965
0.011954
13
0.012347
0.012331
0.012354
0.012339
0.012361
0.012346
0.012330
0.012353
0.012337
0.012359
0.012344
12
0.012800
0.012821
0.012800
0.012821
0.012800
0.012821
0.012800
0.012820
0.012800
0.012820
0.012800
11
0.013380
0.013352
0.013370
0.013342
0.013360
0.013378
0.013351
0.013368
0.013342
0.013359
0.013376
10
0.014066
0.014029
0.014043
0.014057
0.014021
0.014035
0.014049
0.014062
0.014027
0.014041
0.014054
9
0.014884
0.014892
0.014901
0.014909
0.014917
0.014870
0.014878
0.014886
0.014895
0.014903
0.014910
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017376
0.017363
0.017429
0.017416
0.017404
0.017391
0.017379
0.017368
0.017430
0.017418
0.017406
6
0.019296
0.019360
0.019327
0.019294
0.019356
0.019324
0.019292
0.019352
0.019321
0.019290
0.019349
5
0.022069
0.022000
0.022056
0.022112
0.022044
0.022099
0.022033
0.022087
0.022022
0.022075
0.022011
4
0.026122
0.026162
0.026201
0.026240
0.026105
0.026144
0.026182
0.026219
0.026256
0.026127
0.026164
3
0.033103
0.033094
0.033085
0.033076
0.033067
0.033058
0.033049
0.033041
0.033032
0.033024
0.033016
2
0.047407
0.047220
0.047036
0.047422
0.047238
0.047059
0.047435
0.047256
0.047080
0.047448
0.047273
1
0.089302
0.090047
0.090791
0.089455
0.090182
0.088889
0.089600
0.090311
0.089043
0.089739
0.090435
 
 
Salario (UMA)
Plazo
(años)
13.1
13.2
13.3
13.4
13.5
13.6
13.7
13.8
13.9
14.0
14.1
30
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
29
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
28
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
27
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
26
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
25
0.010101
0.010105
0.010085
0.010089
0.010093
0.010097
0.010101
0.010105
0.010086
0.010090
0.010094
24
0.010175
0.010178
0.010182
0.010185
0.010165
0.010168
0.010172
0.010175
0.010178
0.010182
0.010162
23
0.010249
0.010252
0.010255
0.010258
0.010261
0.010264
0.010267
0.010270
0.010249
0.010252
0.010255
22
0.010351
0.010353
0.010355
0.010357
0.010360
0.010362
0.010364
0.010366
0.010368
0.010370
0.010349
21
0.010480
0.010481
0.010483
0.010484
0.010485
0.010487
0.010463
0.010464
0.010466
0.010467
0.010469
20
0.010613
0.010613
0.010613
0.010614
0.010614
0.010615
0.010615
0.010615
0.010616
0.010616
0.010616
19
0.010749
0.010748
0.010747
0.010747
0.010746
0.010746
0.010745
0.010745
0.010744
0.010743
0.010743
18
0.010917
0.010943
0.010941
0.010939
0.010937
0.010935
0.010933
0.010931
0.010929
0.010927
0.010925
17
0.011119
0.011145
0.011141
0.011138
0.011134
0.011130
0.011127
0.011123
0.011120
0.011117
0.011141
16
0.011360
0.011355
0.011349
0.011374
0.011368
0.011363
0.011358
0.011352
0.011376
0.011371
0.011365
15
0.011644
0.011636
0.011628
0.011652
0.011644
0.011636
0.011629
0.011652
0.011644
0.011636
0.011629
14
0.011977
0.011966
0.011955
0.011944
0.011967
0.011956
0.011946
0.011967
0.011957
0.011947
0.011968
13
0.012329
0.012351
0.012336
0.012357
0.012343
0.012329
0.012349
0.012335
0.012356
0.012342
0.012328
12
0.012820
0.012800
0.012819
0.012800
0.012819
0.012800
0.012819
0.012800
0.012818
0.012800
0.012818
11
0.013350
0.013367
0.013342
0.013358
0.013375
0.013350
0.013366
0.013341
0.013357
0.013373
0.013349
10
0.014020
0.014033
0.014046
0.014059
0.014026
0.014039
0.014051
0.014019
0.014032
0.014044
0.014056
9
0.014918
0.014873
0.014881
0.014889
0.014897
0.014904
0.014912
0.014869
0.014876
0.014884
0.014891
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017394
0.017383
0.017371
0.017431
0.017419
0.017408
0.017397
0.017386
0.017375
0.017364
0.017421
6
0.019318
0.019288
0.019345
0.019315
0.019286
0.019342
0.019313
0.019284
0.019339
0.019310
0.019282
5
0.022063
0.022000
0.022052
0.021990
0.022041
0.022091
0.022030
0.022080
0.022020
0.022069
0.022010
4
0.026200
0.026236
0.026110
0.026146
0.026182
0.026217
0.026251
0.026130
0.026165
0.026199
0.026233
3
0.033270
0.033260
0.033250
0.033240
0.033231
0.033221
0.033212
0.033203
0.033194
0.033185
0.033176
2
0.047101
0.046933
0.047289
0.047121
0.046957
0.047304
0.047140
0.046979
0.047319
0.047158
0.047000
1
0.089191
0.089872
0.090553
0.089333
0.090000
0.090667
0.089469
0.090122
0.088960
0.089600
0.090240
 
 
Salario (UMA)
Plazo
(años)
14.2
14.3
14.4
14.5
14.6
14.7
14.8
14.9
15.0
15.1
15.2
30
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
29
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
28
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
27
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
26
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
25
0.010098
0.010102
0.010105
0.010087
0.010091
0.010094
0.010098
0.010102
0.010105
0.010088
0.010091
24
0.010166
0.010169
0.010172
0.010175
0.010179
0.010182
0.010163
0.010166
0.010169
0.010173
0.010176
23
0.010257
0.010260
0.010263
0.010265
0.010268
0.010271
0.010251
0.010254
0.010256
0.010259
0.010262
22
0.010351
0.010353
0.010355
0.010357
0.010359
0.010361
0.010363
0.010365
0.010367
0.010369
0.010349
21
0.010470
0.010471
0.010473
0.010474
0.010475
0.010477
0.010478
0.010479
0.010480
0.010482
0.010483
20
0.010617
0.010593
0.010593
0.010594
0.010594
0.010595
0.010595
0.010596
0.010596
0.010596
0.010597
19
0.010768
0.010767
0.010766
0.010766
0.010765
0.010764
0.010764
0.010763
0.010762
0.010762
0.010761
18
0.010923
0.010921
0.010919
0.010918
0.010916
0.010940
0.010938
0.010936
0.010934
0.010932
0.010930
17
0.011137
0.011134
0.011130
0.011127
0.011124
0.011121
0.011117
0.011140
0.011137
0.011134
0.011130
16
0.011360
0.011355
0.011350
0.011373
0.011367
0.011362
0.011357
0.011352
0.011374
0.011369
0.011364
15
0.011651
0.011644
0.011636
0.011629
0.011651
0.011644
0.011636
0.011629
0.011622
0.011643
0.011636
14
0.011958
0.011948
0.011969
0.011959
0.011949
0.011969
0.011960
0.011950
0.011970
0.011960
0.011951
13
0.012348
0.012334
0.012354
0.012340
0.012327
0.012346
0.012333
0.012352
0.012339
0.012327
0.012345
12
0.012800
0.012818
0.012800
0.012818
0.012800
0.012817
0.012800
0.012817
0.012800
0.012817
0.012800
11
0.013365
0.013341
0.013357
0.013372
0.013349
0.013364
0.013341
0.013356
0.013370
0.013348
0.013363
10
0.014025
0.014037
0.014049
0.014018
0.014030
0.014042
0.014053
0.014024
0.014035
0.014047
0.014058
9
0.014898
0.014906
0.014913
0.014872
0.014879
0.014886
0.014893
0.014900
0.014907
0.014868
0.014875
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017410
0.017399
0.017389
0.017378
0.017368
0.017422
0.017412
0.017401
0.017391
0.017381
0.017371
6
0.019336
0.019308
0.019280
0.019333
0.019306
0.019279
0.019331
0.019304
0.019277
0.019328
0.019302
5
0.022058
0.022000
0.022048
0.021991
0.022038
0.022085
0.022028
0.022074
0.022018
0.022064
0.022009
4
0.026115
0.026149
0.026182
0.026215
0.026247
0.026133
0.026166
0.026198
0.026230
0.026119
0.026151
3
0.033168
0.033159
0.033151
0.033143
0.033135
0.033127
0.033119
0.033111
0.033103
0.033096
0.033088
2
0.047333
0.047175
0.047020
0.047347
0.047192
0.047040
0.047360
0.047208
0.047059
0.047373
0.047223
1
0.089098
0.089725
0.090353
0.089231
0.089846
0.090462
0.089358
0.089962
0.088889
0.089481
0.090074
 
 
Salario (UMA)
Plazo
(años)
15.3
15.4
15.5
15.6
15.7
15.8
15.9
16.0
16.1
16.2
16.3
30
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
29
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
28
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
27
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
26
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
25
0.010095
0.010098
0.010102
0.010085
0.010088
0.010092
0.010095
0.010099
0.010102
0.010086
0.010089
24
0.010179
0.010182
0.010164
0.010167
0.010170
0.010173
0.010176
0.010179
0.010162
0.010165
0.010168
23
0.010264
0.010267
0.010269
0.010251
0.010253
0.010256
0.010258
0.010261
0.010263
0.010265
0.010268
22
0.010351
0.010353
0.010355
0.010357
0.010359
0.010361
0.010363
0.010364
0.010366
0.010368
0.010349
21
0.010484
0.010463
0.010464
0.010465
0.010467
0.010468
0.010469
0.010470
0.010472
0.010473
0.010474
20
0.010597
0.010598
0.010598
0.010599
0.010599
0.010600
0.010600
0.010600
0.010601
0.010601
0.010602
19
0.010760
0.010760
0.010759
0.010759
0.010758
0.010757
0.010757
0.010756
0.010756
0.010755
0.010755
18
0.010929
0.010927
0.010925
0.010923
0.010922
0.010920
0.010918
0.010917
0.010938
0.010937
0.010935
17
0.011127
0.011124
0.011121
0.011118
0.011140
0.011137
0.011133
0.011130
0.011127
0.011124
0.011122
16
0.011360
0.011355
0.011350
0.011371
0.011367
0.011362
0.011357
0.011353
0.011373
0.011368
0.011364
15
0.011629
0.011623
0.011643
0.011636
0.011630
0.011623
0.011643
0.011636
0.011630
0.011623
0.011643
14
0.011971
0.011961
0.011952
0.011971
0.011962
0.011953
0.011972
0.011963
0.011954
0.011945
0.011963
13
0.012332
0.012351
0.012338
0.012326
0.012344
0.012332
0.012350
0.012337
0.012355
0.012343
0.012331
12
0.012783
0.012800
0.012784
0.012800
0.012784
0.012800
0.012784
0.012800
0.012784
0.012800
0.012784
11
0.013341
0.013355
0.013369
0.013348
0.013362
0.013340
0.013354
0.013368
0.013347
0.013361
0.013340
10
0.014029
0.014040
0.014051
0.014022
0.014034
0.014044
0.014055
0.014027
0.014038
0.014049
0.014022
9
0.014881
0.014888
0.014895
0.014901
0.014908
0.014871
0.014877
0.014884
0.014890
0.014897
0.014903
8
0.016000
0.016000
0.016000
0.015949
0.015949
0.015950
0.015950
0.015950
0.015950
0.015951
0.015951
7
0.017423
0.017413
0.017404
0.017394
0.017384
0.017375
0.017365
0.017415
0.017405
0.017396
0.017387
6
0.019352
0.019325
0.019300
0.019349
0.019323
0.019298
0.019346
0.019321
0.019296
0.019343
0.019319
5
0.022054
0.022000
0.022044
0.021991
0.022035
0.022079
0.022026
0.022069
0.022017
0.022060
0.022008
4
0.026182
0.026213
0.026105
0.026136
0.026167
0.026197
0.026227
0.026122
0.026152
0.026182
0.026211
3
0.033081
0.033074
0.033067
0.033060
0.033053
0.033046
0.033039
0.033032
0.033026
0.033019
0.033223
2
0.047077
0.046933
0.047238
0.047094
0.046953
0.047252
0.047111
0.046972
0.047266
0.047127
0.046991
1
0.089018
0.089600
0.090182
0.089143
0.089714
0.090286
0.089263
0.089825
0.090386
0.089379
0.089931
 
 
Salario (UMA)
Plazo
(años)
16.4
16.5
16.6
16.7
16.8
16.9
17.0
17.1
17.2
17.3
17.4
30
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
29
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
28
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
27
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
26
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
25
0.010092
0.010096
0.010099
0.010102
0.010086
0.010090
0.010093
0.010096
0.010099
0.010102
0.010087
24
0.010171
0.010173
0.010176
0.010179
0.010163
0.010165
0.010168
0.010171
0.010174
0.010176
0.010179
23
0.010250
0.010252
0.010255
0.010257
0.010260
0.010262
0.010264
0.010266
0.010250
0.010252
0.010254
22
0.010351
0.010353
0.010355
0.010357
0.010358
0.010360
0.010362
0.010364
0.010365
0.010367
0.010349
21
0.010475
0.010476
0.010477
0.010478
0.010480
0.010481
0.010482
0.010463
0.010464
0.010465
0.010466
20
0.010602
0.010602
0.010603
0.010603
0.010604
0.010604
0.010604
0.010605
0.010605
0.010605
0.010606
19
0.010754
0.010754
0.010753
0.010753
0.010752
0.010751
0.010751
0.010750
0.010750
0.010750
0.010749
18
0.010933
0.010932
0.010930
0.010928
0.010927
0.010925
0.010924
0.010922
0.010921
0.010919
0.010918
17
0.011119
0.011139
0.011136
0.011133
0.011130
0.011128
0.011125
0.011122
0.011119
0.011116
0.011136
16
0.011359
0.011355
0.011350
0.011370
0.011366
0.011361
0.011357
0.011353
0.011372
0.011368
0.011363
15
0.011636
0.011630
0.011624
0.011643
0.011636
0.011630
0.011624
0.011643
0.011636
0.011630
0.011624
14
0.011954
0.011946
0.011964
0.011955
0.011947
0.011965
0.011956
0.011948
0.011965
0.011957
0.011948
13
0.012348
0.012336
0.012353
0.012342
0.012330
0.012347
0.012336
0.012352
0.012341
0.012330
0.012346
12
0.012800
0.012785
0.012800
0.012785
0.012800
0.012785
0.012800
0.012785
0.012800
0.012785
0.012800
11
0.013354
0.013367
0.013347
0.013360
0.013340
0.013353
0.013366
0.013346
0.013359
0.013340
0.013353
10
0.014032
0.014043
0.014053
0.014026
0.014037
0.014047
0.014021
0.014031
0.014041
0.014051
0.014025
9
0.014909
0.014873
0.014880
0.014886
0.014892
0.014898
0.014904
0.014870
0.014876
0.014882
0.014888
8
0.015951
0.015952
0.015952
0.015952
0.015953
0.015953
0.015953
0.015953
0.015954
0.015954
0.015954
7
0.017377
0.017368
0.017416
0.017407
0.017398
0.017389
0.017380
0.017371
0.017418
0.017409
0.017400
6
0.019294
0.019341
0.019316
0.019292
0.019338
0.019314
0.019291
0.019336
0.019312
0.019289
0.019333
5
0.022050
0.022000
0.022041
0.021992
0.022033
0.022073
0.022024
0.022065
0.022016
0.022056
0.022008
4
0.026109
0.026139
0.026167
0.026196
0.026224
0.026126
0.026154
0.026182
0.026210
0.026113
0.026141
3
0.033215
0.033208
0.033200
0.033193
0.033185
0.033178
0.033171
0.033164
0.033157
0.033150
0.033143
2
0.047279
0.047143
0.047009
0.047292
0.047158
0.047026
0.047304
0.047172
0.047043
0.047316
0.047186
1
0.088949
0.089492
0.090034
0.089067
0.089600
0.090133
0.089180
0.089705
0.090230
0.089290
0.089806
 
 
Salario (UMA)
Plazo
(años)
17.5
17.6
17.7
17.8
17.9
18.0
18.1
18.2
18.3
18.4
18.5
30
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
29
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
28
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
27
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
26
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
25
0.010090
0.010093
0.010096
0.010099
0.010102
0.010088
0.010091
0.010094
0.010097
0.010099
0.010085
24
0.010163
0.010166
0.010169
0.010171
0.010174
0.010177
0.010161
0.010164
0.010167
0.010169
0.010172
23
0.010256
0.010259
0.010261
0.010263
0.010265
0.010249
0.010251
0.010254
0.010256
0.010258
0.010260
22
0.010351
0.010353
0.010355
0.010356
0.010358
0.010360
0.010361
0.010363
0.010365
0.010366
0.010350
21
0.010467
0.010468
0.010470
0.010471
0.010472
0.010473
0.010474
0.010475
0.010476
0.010477
0.010478
20
0.010606
0.010606
0.010607
0.010607
0.010607
0.010608
0.010608
0.010608
0.010609
0.010609
0.010609
19
0.010749
0.010748
0.010748
0.010747
0.010747
0.010746
0.010746
0.010745
0.010745
0.010745
0.010744
18
0.010916
0.010936
0.010934
0.010933
0.010931
0.010930
0.010928
0.010927
0.010925
0.010924
0.010923
17
0.011133
0.011130
0.011128
0.011125
0.011122
0.011120
0.011117
0.011136
0.011133
0.011130
0.011128
16
0.011359
0.011355
0.011351
0.011369
0.011365
0.011361
0.011357
0.011353
0.011371
0.011367
0.011363
15
0.011642
0.011636
0.011630
0.011624
0.011642
0.011636
0.011631
0.011625
0.011642
0.011636
0.011631
14
0.011966
0.011958
0.011949
0.011966
0.011958
0.011950
0.011967
0.011959
0.011951
0.011967
0.011960
13
0.012335
0.012351
0.012340
0.012329
0.012345
0.012334
0.012350
0.012339
0.012328
0.012344
0.012333
12
0.012785
0.012800
0.012786
0.012800
0.012786
0.012800
0.012786
0.012800
0.012786
0.012800
0.012786
11
0.013365
0.013346
0.013358
0.013340
0.013352
0.013364
0.013346
0.013358
0.013339
0.013351
0.013363
10
0.014035
0.014045
0.014020
0.014030
0.014039
0.014049
0.014024
0.014034
0.014043
0.014019
0.014028
9
0.014894
0.014899
0.014905
0.014872
0.014878
0.014884
0.014889
0.014895
0.014901
0.014869
0.014874
8
0.015954
0.015955
0.015955
0.015955
0.015955
0.015956
0.015956
0.015956
0.015956
0.015957
0.015957
7
0.017391
0.017383
0.017374
0.017366
0.017410
0.017402
0.017393
0.017385
0.017377
0.017369
0.017412
6
0.019310
0.019288
0.019331
0.019308
0.019286
0.019329
0.019307
0.019285
0.019327
0.019305
0.019283
5
0.022047
0.022000
0.022039
0.021992
0.022031
0.022069
0.022023
0.022061
0.022015
0.022052
0.022007
4
0.026168
0.026195
0.026222
0.026128
0.026155
0.026182
0.026208
0.026117
0.026143
0.026169
0.026195
3
0.033136
0.033129
0.033123
0.033116
0.033110
0.033103
0.033097
0.033091
0.033085
0.033079
0.033073
2
0.047059
0.046933
0.047200
0.047074
0.046951
0.047213
0.047089
0.046968
0.047226
0.047104
0.046984
1
0.088889
0.089397
0.089905
0.089000
0.089500
0.090000
0.089108
0.089600
0.090092
0.089212
0.089697
 
 
Salario (UMA)
Plazo
(años)
18.6
18.7
18.8
18.9
19.0
19.1
19.2
19.3
19.4
19.5
19.6
30
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
29
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
28
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
27
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
26
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
25
0.010088
0.010091
0.010094
0.010097
0.010100
0.010086
0.010089
0.010092
0.010094
0.010097
0.010100
24
0.010174
0.010177
0.010162
0.010165
0.010167
0.010170
0.010172
0.010175
0.010177
0.010163
0.010165
23
0.010262
0.010264
0.010249
0.010251
0.010253
0.010255
0.010257
0.010259
0.010261
0.010263
0.010265
22
0.010351
0.010353
0.010355
0.010356
0.010358
0.010359
0.010361
0.010362
0.010364
0.010365
0.010350
21
0.010479
0.010480
0.010463
0.010464
0.010465
0.010466
0.010467
0.010468
0.010469
0.010470
0.010471
20
0.010610
0.010610
0.010610
0.010611
0.010611
0.010593
0.010593
0.010593
0.010594
0.010594
0.010595
19
0.010744
0.010743
0.010743
0.010762
0.010761
0.010761
0.010760
0.010760
0.010759
0.010759
0.010758
18
0.010921
0.010920
0.010918
0.010917
0.010916
0.010934
0.010932
0.010931
0.010930
0.010928
0.010927
17
0.011125
0.011123
0.011120
0.011118
0.011136
0.011133
0.011130
0.011128
0.011125
0.011123
0.011121
16
0.011359
0.011355
0.011351
0.011368
0.011364
0.011361
0.011357
0.011353
0.011349
0.011366
0.011362
15
0.011625
0.011642
0.011636
0.011631
0.011625
0.011642
0.011636
0.011631
0.011625
0.011642
0.011636
14
0.011952
0.011944
0.011960
0.011953
0.011945
0.011961
0.011953
0.011946
0.011961
0.011954
0.011947
13
0.012349
0.012338
0.012328
0.012343
0.012333
0.012347
0.012337
0.012327
0.012342
0.012332
0.012346
12
0.012800
0.012786
0.012800
0.012786
0.012800
0.012787
0.012800
0.012787
0.012800
0.012787
0.012800
11
0.013345
0.013357
0.013339
0.013351
0.013363
0.013345
0.013357
0.013339
0.013351
0.013362
0.013345
10
0.014038
0.014047
0.014023
0.014032
0.014042
0.014018
0.014027
0.014036
0.014045
0.014022
0.014031
9
0.014880
0.014886
0.014891
0.014897
0.014902
0.014871
0.014877
0.014882
0.014887
0.014893
0.014898
8
0.015957
0.015957
0.015958
0.015958
0.015958
0.015958
0.015958
0.015959
0.015959
0.015959
0.015959
7
0.017404
0.017395
0.017387
0.017379
0.017371
0.017364
0.017405
0.017397
0.017389
0.017382
0.017374
6
0.019325
0.019303
0.019282
0.019323
0.019302
0.019281
0.019321
0.019300
0.019280
0.019319
0.019298
5
0.022044
0.022000
0.022037
0.021993
0.022029
0.022065
0.022022
0.022057
0.022014
0.022049
0.022007
4
0.026105
0.026131
0.026157
0.026182
0.026207
0.026120
0.026145
0.026169
0.026194
0.026109
0.026133
3
0.033067
0.033061
0.033055
0.033049
0.033043
0.033038
0.033032
0.033027
0.033021
0.033016
0.033185
2
0.047238
0.047118
0.047000
0.047250
0.047132
0.047015
0.047262
0.047145
0.047030
0.047273
0.047158
1
0.090182
0.089313
0.089791
0.088941
0.089412
0.089882
0.089043
0.089507
0.089971
0.089143
0.089600
 
 
Salario (UMA)
Plazo
(años)
19.7
19.8
19.9
20.0
20.1
20.2
20.3
20.4
20.5
20.6
20.7
30
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
29
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
28
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
27
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
26
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
25
0.010086
0.010089
0.010092
0.010095
0.010097
0.010100
0.010087
0.010090
0.010092
0.010095
0.010098
24
0.010168
0.010170
0.010173
0.010175
0.010177
0.010164
0.010166
0.010168
0.010171
0.010173
0.010175
23
0.010250
0.010252
0.010254
0.010256
0.010258
0.010260
0.010262
0.010264
0.010250
0.010252
0.010254
22
0.010351
0.010353
0.010354
0.010356
0.010357
0.010359
0.010360
0.010362
0.010363
0.010349
0.010350
21
0.010472
0.010473
0.010474
0.010475
0.010476
0.010476
0.010477
0.010478
0.010463
0.010463
0.010464
20
0.010595
0.010595
0.010596
0.010596
0.010596
0.010597
0.010597
0.010597
0.010598
0.010598
0.010598
19
0.010758
0.010757
0.010757
0.010756
0.010756
0.010755
0.010755
0.010755
0.010754
0.010754
0.010753
18
0.010925
0.010924
0.010923
0.010922
0.010920
0.010919
0.010918
0.010916
0.010933
0.010932
0.010931
17
0.011118
0.011135
0.011133
0.011130
0.011128
0.011126
0.011123
0.011121
0.011119
0.011116
0.011133
16
0.011359
0.011355
0.011351
0.011368
0.011364
0.011360
0.011357
0.011353
0.011349
0.011366
0.011362
15
0.011631
0.011626
0.011642
0.011636
0.011631
0.011626
0.011642
0.011636
0.011631
0.011626
0.011641
14
0.011962
0.011955
0.011947
0.011963
0.011955
0.011948
0.011963
0.011956
0.011949
0.011964
0.011957
13
0.012337
0.012327
0.012341
0.012331
0.012345
0.012336
0.012326
0.012340
0.012331
0.012345
0.012335
12
0.012787
0.012800
0.012787
0.012800
0.012787
0.012800
0.012787
0.012800
0.012788
0.012800
0.012788
11
0.013356
0.013339
0.013350
0.013361
0.013344
0.013355
0.013339
0.013350
0.013360
0.013344
0.013355
10
0.014040
0.014049
0.014026
0.014035
0.014044
0.014022
0.014030
0.014039
0.014047
0.014026
0.014034
9
0.014868
0.014873
0.014879
0.014884
0.014889
0.014894
0.014899
0.014870
0.014875
0.014880
0.014885
8
0.015959
0.015960
0.015960
0.015960
0.015960
0.015960
0.015961
0.015961
0.015961
0.015961
0.015961
7
0.017366
0.017407
0.017399
0.017391
0.017384
0.017376
0.017369
0.017408
0.017401
0.017393
0.017386
6
0.019278
0.019317
0.019297
0.019277
0.019315
0.019296
0.019333
0.019314
0.019294
0.019331
0.019312
5
0.022042
0.022000
0.022035
0.021993
0.022027
0.022061
0.022020
0.022054
0.022013
0.022047
0.022007
4
0.026158
0.026182
0.026206
0.026122
0.026146
0.026170
0.026194
0.026112
0.026135
0.026159
0.026182
3
0.033179
0.033173
0.033167
0.033161
0.033155
0.033149
0.033143
0.033137
0.033131
0.033126
0.033120
2
0.047045
0.046933
0.047170
0.047059
0.046949
0.047182
0.047072
0.046964
0.047194
0.047086
0.046979
1
0.090057
0.089239
0.089690
0.088889
0.089333
0.089778
0.088986
0.089425
0.089863
0.089081
0.089514
 
 
Salario (UMA)
Plazo
(años)
20.8
20.9
21.0
21.1
21.2
21.3
21.4
21.5
21.6
21.7
21.8
30
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
29
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
28
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
27
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
26
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
25
0.010085
0.010087
0.010090
0.010093
0.010095
0.010098
0.010085
0.010088
0.010091
0.010093
0.010096
24
0.010162
0.010164
0.010166
0.010169
0.010171
0.010173
0.010175
0.010162
0.010165
0.010167
0.010169
23
0.010256
0.010258
0.010260
0.010261
0.010263
0.010250
0.010251
0.010253
0.010255
0.010257
0.010259
22
0.010351
0.010353
0.010354
0.010356
0.010357
0.010359
0.010360
0.010361
0.010363
0.010349
0.010350
21
0.010465
0.010466
0.010467
0.010468
0.010469
0.010470
0.010471
0.010472
0.010473
0.010474
0.010474
20
0.010599
0.010599
0.010599
0.010600
0.010600
0.010600
0.010601
0.010601
0.010601
0.010602
0.010602
19
0.010753
0.010752
0.010752
0.010752
0.010751
0.010751
0.010750
0.010750
0.010750
0.010749
0.010749
18
0.010929
0.010928
0.010927
0.010926
0.010924
0.010923
0.010922
0.010921
0.010919
0.010918
0.010917
17
0.011130
0.011128
0.011126
0.011124
0.011121
0.011119
0.011117
0.011133
0.011130
0.011128
0.011126
16
0.011358
0.011355
0.011351
0.011367
0.011363
0.011360
0.011357
0.011353
0.011350
0.011365
0.011362
15
0.011636
0.011631
0.011626
0.011641
0.011636
0.011631
0.011626
0.011641
0.011636
0.011631
0.011627
14
0.011950
0.011964
0.011957
0.011950
0.011965
0.011958
0.011951
0.011944
0.011958
0.011952
0.011945
13
0.012326
0.012339
0.012330
0.012344
0.012335
0.012348
0.012339
0.012330
0.012343
0.012334
0.012347
12
0.012800
0.012788
0.012800
0.012788
0.012800
0.012788
0.012800
0.012788
0.012800
0.012788
0.012800
11
0.013339
0.013349
0.013360
0.013344
0.013354
0.013339
0.013349
0.013359
0.013344
0.013354
0.013338
10
0.014042
0.014021
0.014029
0.014037
0.014046
0.014025
0.014033
0.014041
0.014020
0.014028
0.014036
9
0.014890
0.014895
0.014867
0.014872
0.014877
0.014882
0.014887
0.014892
0.014897
0.014869
0.014874
8
0.015962
0.015962
0.015962
0.015962
0.015962
0.015963
0.015963
0.015963
0.015963
0.015963
0.015963
7
0.017379
0.017371
0.017364
0.017402
0.017395
0.017388
0.017381
0.017374
0.017367
0.017404
0.017397
6
0.019293
0.019329
0.019310
0.019291
0.019328
0.019309
0.019290
0.019326
0.019307
0.019289
0.019324
5
0.022040
0.022000
0.022033
0.021993
0.022026
0.022058
0.022019
0.022051
0.022013
0.022044
0.022006
4
0.026205
0.026125
0.026148
0.026171
0.026193
0.026115
0.026137
0.026160
0.026182
0.026105
0.026127
3
0.033114
0.033109
0.033103
0.033098
0.033093
0.033087
0.033082
0.033077
0.033072
0.033067
0.033062
2
0.047206
0.047099
0.046993
0.047217
0.047111
0.047007
0.047228
0.047123
0.047020
0.047238
0.047135
1
0.089946
0.089173
0.089600
0.090027
0.089263
0.089684
0.088935
0.089351
0.089766
0.089026
0.089436
 
 
Salario (UMA)
Plazo
(años)
21.9
22.0
22.1
22.2
22.3
22.4
22.5
22.6
22.7
22.8
22.9
30
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
29
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
28
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
27
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
26
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
25
0.010098
0.010086
0.010088
0.010091
0.010093
0.010096
0.010098
0.010086
0.010089
0.010091
0.010094
24
0.010171
0.010173
0.010176
0.010163
0.010165
0.010167
0.010169
0.010172
0.010174
0.010162
0.010164
23
0.010261
0.010262
0.010249
0.010251
0.010253
0.010255
0.010256
0.010258
0.010260
0.010262
0.010249
22
0.010352
0.010353
0.010354
0.010356
0.010357
0.010358
0.010360
0.010361
0.010362
0.010349
0.010350
21
0.010475
0.010476
0.010477
0.010462
0.010463
0.010464
0.010465
0.010466
0.010467
0.010468
0.010469
20
0.010602
0.010602
0.010603
0.010603
0.010603
0.010604
0.010604
0.010604
0.010604
0.010605
0.010605
19
0.010748
0.010748
0.010748
0.010747
0.010747
0.010747
0.010746
0.010746
0.010746
0.010745
0.010745
18
0.010916
0.010932
0.010930
0.010929
0.010928
0.010927
0.010926
0.010924
0.010923
0.010922
0.010921
17
0.011124
0.011122
0.011119
0.011117
0.011133
0.011130
0.011128
0.011126
0.011124
0.011122
0.011120
16
0.011358
0.011355
0.011352
0.011366
0.011363
0.011360
0.011356
0.011353
0.011350
0.011364
0.011361
15
0.011641
0.011636
0.011632
0.011627
0.011622
0.011636
0.011632
0.011627
0.011622
0.011636
0.011632
14
0.011959
0.011952
0.011946
0.011960
0.011953
0.011947
0.011960
0.011954
0.011947
0.011961
0.011954
13
0.012338
0.012329
0.012342
0.012333
0.012346
0.012337
0.012329
0.012341
0.012333
0.012345
0.012337
12
0.012788
0.012800
0.012788
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
11
0.013349
0.013359
0.013343
0.013353
0.013338
0.013348
0.013358
0.013343
0.013353
0.013338
0.013348
10
0.014044
0.014024
0.014032
0.014040
0.014020
0.014027
0.014035
0.014043
0.014023
0.014031
0.014038
9
0.014879
0.014884
0.014888
0.014893
0.014898
0.014871
0.014876
0.014881
0.014885
0.014890
0.014894
8
0.015964
0.015964
0.015964
0.015964
0.015964
0.015964
0.015965
0.015965
0.015965
0.015965
0.015965
7
0.017390
0.017383
0.017376
0.017369
0.017405
0.017398
0.017391
0.017385
0.017378
0.017371
0.017365
6
0.019306
0.019288
0.019322
0.019304
0.019286
0.019321
0.019303
0.019285
0.019319
0.019302
0.019284
5
0.022038
0.022000
0.022031
0.021994
0.022025
0.022055
0.022018
0.022049
0.022012
0.022042
0.022006
4
0.026149
0.026171
0.026193
0.026118
0.026139
0.026161
0.026182
0.026108
0.026129
0.026151
0.026171
3
0.033057
0.033052
0.033047
0.033042
0.033037
0.033032
0.033028
0.033023
0.033018
0.033164
0.033158
2
0.047034
0.046933
0.047147
0.047046
0.046947
0.047158
0.047059
0.046961
0.047169
0.047071
0.046974
1
0.089846
0.089114
0.089519
0.089924
0.089200
0.089600
0.088889
0.089284
0.089679
0.088976
0.089366
 
 
 
Salario (UMA)
Plazo
(años)
23.0
23.1
23.2
23.3
23.4
23.5
23.6
23.7
23.8
23.9
24.0
30
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
29
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
28
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
27
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
26
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
25
0.010096
0.010085
0.010087
0.010089
0.010092
0.010094
0.010096
0.010085
0.010087
0.010090
0.010092
24
0.010166
0.010168
0.010170
0.010172
0.010174
0.010162
0.010164
0.010166
0.010168
0.010170
0.010172
23
0.010251
0.010252
0.010254
0.010256
0.010258
0.010259
0.010261
0.010263
0.010250
0.010252
0.010254
22
0.010352
0.010353
0.010354
0.010356
0.010357
0.010358
0.010359
0.010361
0.010362
0.010349
0.010350
21
0.010469
0.010470
0.010471
0.010472
0.010473
0.010474
0.010474
0.010475
0.010476
0.010462
0.010463
20
0.010605
0.010605
0.010606
0.010606
0.010606
0.010606
0.010607
0.010607
0.010607
0.010593
0.010593
19
0.010745
0.010744
0.010744
0.010744
0.010743
0.010743
0.010743
0.010757
0.010757
0.010757
0.010756
18
0.010920
0.010919
0.010918
0.010917
0.010931
0.010930
0.010929
0.010928
0.010927
0.010926
0.010925
17
0.011118
0.011133
0.011130
0.011128
0.011126
0.011124
0.011122
0.011120
0.011118
0.011116
0.011130
16
0.011358
0.011355
0.011352
0.011366
0.011363
0.011360
0.011356
0.011353
0.011350
0.011364
0.011361
15
0.011627
0.011623
0.011636
0.011632
0.011627
0.011623
0.011636
0.011632
0.011627
0.011623
0.011636
14
0.011948
0.011961
0.011955
0.011949
0.011962
0.011955
0.011949
0.011962
0.011956
0.011950
0.011944
13
0.012328
0.012341
0.012332
0.012344
0.012336
0.012328
0.012340
0.012332
0.012344
0.012335
0.012327
12
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
11
0.013358
0.013343
0.013353
0.013338
0.013348
0.013357
0.013343
0.013352
0.013338
0.013347
0.013357
10
0.014019
0.014027
0.014034
0.014041
0.014022
0.014030
0.014037
0.014018
0.014026
0.014033
0.014040
9
0.014869
0.014873
0.014878
0.014882
0.014887
0.014891
0.014895
0.014871
0.014875
0.014879
0.014884
8
0.015965
0.015965
0.015966
0.015966
0.015966
0.015966
0.015966
0.015966
0.015966
0.015967
0.015967
7
0.017400
0.017393
0.017386
0.017380
0.017374
0.017367
0.017401
0.017394
0.017388
0.017382
0.017376
6
0.019318
0.019300
0.019283
0.019316
0.019299
0.019282
0.019315
0.019298
0.019281
0.019313
0.019296
5
0.022036
0.022000
0.022030
0.021994
0.022024
0.022053
0.022017
0.022047
0.022012
0.022040
0.022006
4
0.026192
0.026120
0.026141
0.026161
0.026182
0.026111
0.026131
0.026152
0.026172
0.026192
0.026122
3
0.033153
0.033148
0.033143
0.033138
0.033133
0.033128
0.033123
0.033118
0.033113
0.033108
0.033103
2
0.047179
0.047083
0.046987
0.047190
0.047094
0.047000
0.047200
0.047106
0.047012
0.047210
0.047117
1
0.089756
0.089060
0.089446
0.089831
0.089143
0.089524
0.089905
0.089224
0.089600
0.088930
0.089302
 
 
Salario (UMA)
Plazo
(años)
24.1
24.2
24.3
24.4
24.5
24.6
24.7
24.8
24.9
25.0
30
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
29
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
28
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
27
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
26
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
25
0.010094
0.010096
0.010086
0.010088
0.010090
0.010092
0.010095
0.010097
0.010086
0.010088
24
0.010174
0.010163
0.010165
0.010167
0.010169
0.010171
0.010172
0.010161
0.010163
0.010165
23
0.010255
0.010257
0.010259
0.010260
0.010262
0.010250
0.010252
0.010253
0.010255
0.010256
22
0.010352
0.010353
0.010354
0.010355
0.010357
0.010358
0.010359
0.010360
0.010362
0.010349
21
0.010464
0.010465
0.010466
0.010466
0.010467
0.010468
0.010469
0.010470
0.010470
0.010471
20
0.010593
0.010594
0.010594
0.010594
0.010595
0.010595
0.010595
0.010595
0.010596
0.010596
19
0.010756
0.010756
0.010755
0.010755
0.010754
0.010754
0.010754
0.010753
0.010753
0.010753
18
0.010924
0.010922
0.010921
0.010920
0.010919
0.010918
0.010917
0.010916
0.010930
0.010929
17
0.011128
0.011126
0.011124
0.011123
0.011121
0.011119
0.011117
0.011130
0.011128
0.011127
16
0.011358
0.011355
0.011352
0.011365
0.011362
0.011359
0.011356
0.011353
0.011350
0.011364
15
0.011632
0.011628
0.011623
0.011636
0.011632
0.011628
0.011624
0.011636
0.011632
0.011628
14
0.011957
0.011951
0.011945
0.011957
0.011951
0.011945
0.011958
0.011952
0.011946
0.011958
13
0.012339
0.012331
0.012343
0.012335
0.012327
0.012339
0.012331
0.012342
0.012334
0.012327
12
0.012789
0.012800
0.012789
0.012800
0.012790
0.012800
0.012790
0.012800
0.012790
0.012800
11
0.013343
0.013352
0.013338
0.013347
0.013356
0.013342
0.013351
0.013338
0.013347
0.013356
10
0.014022
0.014029
0.014036
0.014043
0.014025
0.014032
0.014039
0.014021
0.014028
0.014035
9
0.014888
0.014892
0.014868
0.014872
0.014877
0.014881
0.014885
0.014889
0.014893
0.014870
8
0.015967
0.015967
0.015967
0.015967
0.015967
0.015968
0.015968
0.015968
0.015968
0.015968
7
0.017369
0.017363
0.017396
0.017390
0.017384
0.017377
0.017371
0.017365
0.017397
0.017391
6
0.019280
0.019312
0.019295
0.019279
0.019310
0.019294
0.019278
0.019309
0.019293
0.019277
5
0.022034
0.022000
0.022028
0.021994
0.022022
0.022050
0.022017
0.022044
0.022011
0.022039
4
0.026142
0.026162
0.026182
0.026114
0.026133
0.026153
0.026172
0.026105
0.026125
0.026144
3
0.033099
0.033094
0.033089
0.033085
0.033080
0.033076
0.033071
0.033067
0.033062
0.033058
2
0.047024
0.046933
0.047127
0.047036
0.046946
0.047138
0.047048
0.046959
0.047148
0.047059
1
0.089674
0.089011
0.089379
0.089747
0.089091
0.089455
0.089818
0.089169
0.089528
0.088889
 
E.    Tabla de Factores de Pago Régimen Ordinario de Amortización
 
Salario (UMA)
Plazo
(años)
1.0
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
1.9
2.0
30
0.009914
0.009858
0.009817
0.009785
0.009755
0.009734
0.009708
0.009682
0.009666
0.009643
0.009629
29
0.009914
0.009858
0.009817
0.009785
0.009755
0.009734
0.009708
0.009682
0.009666
0.009643
0.009629
28
0.009914
0.009858
0.009817
0.009785
0.009755
0.009734
0.009708
0.009682
0.009666
0.009643
0.009629
27
0.009914
0.009858
0.009817
0.009785
0.009755
0.009734
0.009708
0.009682
0.009666
0.009643
0.009629
26
0.009914
0.009858
0.009817
0.009785
0.009755
0.009734
0.009708
0.009682
0.009666
0.009643
0.009629
25
0.009951
0.009900
0.009858
0.009826
0.009795
0.009775
0.009748
0.009723
0.009707
0.009684
0.009670
24
0.009994
0.009949
0.009906
0.009873
0.009843
0.009823
0.009796
0.009770
0.009755
0.009732
0.009719
23
0.010045
0.010007
0.009963
0.009930
0.009899
0.009879
0.009861
0.009836
0.009820
0.009798
0.009785
22
0.010104
0.010074
0.010029
0.010006
0.009975
0.009955
0.009928
0.009903
0.009888
0.009866
0.009853
21
0.010173
0.010154
0.010108
0.010085
0.010054
0.010035
0.010008
0.009983
0.009969
0.009946
0.009935
20
0.010253
0.010247
0.010200
0.010178
0.010147
0.010129
0.010102
0.010077
0.010063
0.010041
0.010021
19
0.010360
0.010357
0.010309
0.010287
0.010256
0.010228
0.010213
0.010188
0.010165
0.010143
0.010133
18
0.010472
0.010473
0.010437
0.010404
0.010386
0.010358
0.010332
0.010308
0.010297
0.010276
0.010267
17
0.010603
0.010625
0.010589
0.010556
0.010526
0.010512
0.010487
0.010463
0.010453
0.010433
0.010413
16
0.010776
0.010805
0.010770
0.010737
0.010708
0.010681
0.010656
0.010648
0.010626
0.010606
0.010588
15
0.010960
0.011020
0.010967
0.010936
0.010925
0.010899
0.010875
0.010853
0.010833
0.010814
0.010797
14
0.011203
0.011257
0.011223
0.011194
0.011167
0.011142
0.011120
0.011100
0.011081
0.011064
0.011048
13
0.011467
0.011564
0.011533
0.011483
0.011459
0.011457
0.011417
0.011399
0.011382
0.011367
0.011353
12
0.011818
0.011912
0.011884
0.011860
0.011838
0.011818
0.011778
0.011763
0.011750
0.011737
0.011726
11
0.012207
0.012368
0.012314
0.012295
0.012278
0.012263
0.012223
0.012212
0.012202
0.012170
0.012163
10
0.012734
0.012900
0.012884
0.012835
0.012825
0.012816
0.012778
0.012743
0.012740
0.012737
0.012708
9
0.013399
0.013613
0.013563
0.013518
0.013518
0.013480
0.013482
0.013450
0.013420
0.013425
0.013399
8
0.014170
0.014479
0.014435
0.014396
0.014411
0.014378
0.014348
0.014321
0.014296
0.014314
0.014292
7
0.015272
0.015616
0.015584
0.015556
0.015532
0.015510
0.015491
0.015473
0.015458
0.015443
0.015431
6
0.016772
0.017159
0.017150
0.017143
0.017136
0.017131
0.017050
0.017050
0.017050
0.017050
0.017050
5
0.018911
0.019494
0.019387
0.019418
0.019328
0.019360
0.019281
0.019313
0.019341
0.019276
0.019303
4
0.022167
0.022896
0.022804
0.022723
0.022834
0.022762
0.022697
0.022638
0.022734
0.022680
0.022630
3
0.027659
0.028631
0.028599
0.028571
0.028548
0.028527
0.028508
0.028492
0.028477
0.028464
0.028452
2
0.038740
0.040198
0.039573
0.039851
0.040073
0.040255
0.039801
0.039990
0.040150
0.039766
0.039931
1
0.063849
0.075099
0.073849
0.072599
0.074849
0.073849
0.072849
0.074682
0.073849
0.075277
0.074563
 
 
Salario (UMA)
Plazo
(años)
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
3.0
3.1
30
0.009616
0.009603
0.009592
0.009581
0.009570
0.009567
0.009551
0.009530
0.009516
0.009495
0.009476
29
0.009616
0.009603
0.009592
0.009581
0.009570
0.009567
0.009551
0.009530
0.009516
0.009495
0.009476
28
0.009616
0.009603
0.009592
0.009581
0.009570
0.009567
0.009551
0.009530
0.009516
0.009495
0.009476
27
0.009616
0.009603
0.009592
0.009581
0.009570
0.009567
0.009551
0.009530
0.009516
0.009495
0.009476
26
0.009616
0.009603
0.009592
0.009581
0.009570
0.009567
0.009551
0.009530
0.009516
0.009495
0.009476
25
0.009657
0.009645
0.009634
0.009623
0.009613
0.009610
0.009595
0.009573
0.009559
0.009539
0.009519
24
0.009706
0.009695
0.009684
0.009674
0.009664
0.009662
0.009646
0.009625
0.009611
0.009590
0.009570
23
0.009765
0.009753
0.009743
0.009733
0.009724
0.009723
0.009707
0.009686
0.009672
0.009651
0.009638
22
0.009833
0.009823
0.009813
0.009804
0.009795
0.009795
0.009779
0.009757
0.009744
0.009723
0.009710
21
0.009915
0.009905
0.009896
0.009887
0.009879
0.009871
0.009856
0.009842
0.009829
0.009808
0.009788
20
0.010011
0.010002
0.009993
0.009976
0.009969
0.009971
0.009956
0.009934
0.009921
0.009908
0.009888
19
0.010124
0.010106
0.010099
0.010092
0.010076
0.010079
0.010065
0.010043
0.010030
0.010017
0.009997
18
0.010248
0.010241
0.010224
0.010219
0.010213
0.010208
0.010195
0.010172
0.010160
0.010148
0.010127
17
0.010407
0.010390
0.010385
0.010369
0.010365
0.010362
0.010348
0.010326
0.010314
0.010302
0.010282
16
0.010583
0.010567
0.010564
0.010549
0.010535
0.010534
0.010521
0.010509
0.010498
0.010477
0.010467
15
0.010795
0.010779
0.010765
0.010765
0.010752
0.010752
0.010740
0.010717
0.010707
0.010697
0.010677
14
0.011049
0.011035
0.011022
0.011010
0.010999
0.011001
0.010991
0.010968
0.010959
0.010951
0.010930
13
0.011341
0.011329
0.011318
0.011307
0.011313
0.011304
0.011295
0.011273
0.011265
0.011244
0.011238
12
0.011715
0.011706
0.011697
0.011671
0.011664
0.011674
0.011651
0.011645
0.011624
0.011619
0.011600
11
0.012156
0.012150
0.012124
0.012119
0.012115
0.012112
0.012108
0.012087
0.012067
0.012065
0.012046
10
0.012706
0.012680
0.012680
0.012680
0.012658
0.012659
0.012660
0.012640
0.012621
0.012603
0.012606
9
0.013405
0.013381
0.013387
0.013366
0.013346
0.013353
0.013335
0.013318
0.013325
0.013309
0.013294
8
0.014272
0.014253
0.014270
0.014253
0.014237
0.014253
0.014238
0.014224
0.014211
0.014198
0.014186
7
0.015419
0.015408
0.015441
0.015431
0.015421
0.015411
0.015403
0.015395
0.015351
0.015345
0.015339
6
0.016989
0.016992
0.016995
0.016997
0.016999
0.017001
0.016954
0.016958
0.016961
0.016919
0.016923
5
0.019244
0.019271
0.019218
0.019244
0.019196
0.019221
0.019244
0.019201
0.019224
0.019183
0.019144
4
0.022713
0.022667
0.022624
0.022697
0.022657
0.022620
0.022685
0.022650
0.022616
0.022584
0.022553
3
0.028442
0.028432
0.028423
0.028414
0.028407
0.028399
0.028393
0.028387
0.028381
0.028376
0.028371
2
0.040073
0.039740
0.039886
0.040015
0.040129
0.039851
0.039968
0.040073
0.039823
0.039931
0.040028
1
0.073849
0.075099
0.074474
0.073849
0.074960
0.074404
0.073849
0.074849
0.074349
0.075212
0.074758
 
 
Salario (UMA)
Plazo
(años)
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
4.0
4.1
4.2
30
0.009457
0.009438
0.009420
0.009402
0.009385
0.009368
0.009345
0.009329
0.009313
0.009291
0.009276
29
0.009457
0.009438
0.009420
0.009402
0.009385
0.009368
0.009345
0.009329
0.009313
0.009291
0.009276
28
0.009457
0.009438
0.009420
0.009402
0.009385
0.009368
0.009345
0.009329
0.009313
0.009291
0.009276
27
0.009457
0.009438
0.009420
0.009402
0.009385
0.009368
0.009345
0.009329
0.009313
0.009291
0.009276
26
0.009457
0.009438
0.009420
0.009402
0.009385
0.009368
0.009345
0.009329
0.009313
0.009291
0.009276
25
0.009500
0.009481
0.009463
0.009445
0.009428
0.009411
0.009388
0.009372
0.009363
0.009340
0.009325
24
0.009558
0.009539
0.009521
0.009503
0.009486
0.009469
0.009445
0.009429
0.009413
0.009391
0.009383
23
0.009619
0.009600
0.009582
0.009564
0.009546
0.009537
0.009513
0.009497
0.009481
0.009458
0.009443
22
0.009691
0.009672
0.009654
0.009636
0.009626
0.009608
0.009584
0.009568
0.009552
0.009537
0.009522
21
0.009776
0.009757
0.009738
0.009720
0.009711
0.009693
0.009669
0.009653
0.009645
0.009622
0.009607
20
0.009868
0.009857
0.009838
0.009820
0.009803
0.009794
0.009769
0.009753
0.009737
0.009722
0.009707
19
0.009986
0.009967
0.009948
0.009939
0.009921
0.009904
0.009887
0.009871
0.009855
0.009840
0.009825
18
0.010116
0.010097
0.010079
0.010070
0.010052
0.010035
0.010018
0.010002
0.009986
0.009971
0.009956
17
0.010272
0.010253
0.010234
0.010225
0.010208
0.010191
0.010174
0.010158
0.010142
0.010127
0.010112
16
0.010447
0.010428
0.010419
0.010401
0.010384
0.010377
0.010360
0.010344
0.010329
0.010314
0.010299
15
0.010657
0.010649
0.010631
0.010613
0.010606
0.010589
0.010573
0.010557
0.010542
0.010527
0.010512
14
0.010911
0.010904
0.010886
0.010868
0.010863
0.010846
0.010830
0.010814
0.010799
0.010784
0.010770
13
0.011219
0.011200
0.011195
0.011178
0.011161
0.011145
0.011129
0.011114
0.011112
0.011085
0.011084
12
0.011581
0.011563
0.011560
0.011543
0.011527
0.011511
0.011496
0.011496
0.011481
0.011454
0.011454
11
0.012028
0.012011
0.012011
0.011995
0.011980
0.011965
0.011951
0.011937
0.011923
0.011911
0.011898
10
0.012589
0.012573
0.012558
0.012543
0.012529
0.012515
0.012502
0.012490
0.012478
0.012466
0.012455
9
0.013279
0.013266
0.013252
0.013240
0.013228
0.013216
0.013205
0.013194
0.013184
0.013155
0.013145
8
0.014175
0.014137
0.014128
0.014119
0.014110
0.014102
0.014094
0.014086
0.014055
0.014049
0.014042
7
0.015334
0.015329
0.015292
0.015288
0.015284
0.015281
0.015248
0.015245
0.015243
0.015212
0.015211
6
0.016927
0.016889
0.016894
0.016858
0.016864
0.016869
0.016836
0.016842
0.016810
0.016817
0.016787
5
0.019168
0.019131
0.019154
0.019119
0.019141
0.019109
0.019078
0.019099
0.019070
0.019041
0.019063
4
0.022613
0.022584
0.022556
0.022529
0.022504
0.022558
0.022534
0.022510
0.022488
0.022466
0.022445
3
0.028366
0.028361
0.028357
0.028353
0.028349
0.028346
0.028214
0.028214
0.028214
0.028214
0.028214
2
0.039801
0.039900
0.039990
0.039782
0.039873
0.039958
0.039766
0.039851
0.039931
0.039752
0.039832
1
0.074303
0.075099
0.074682
0.074265
0.075003
0.074618
0.074233
0.074920
0.074563
0.074206
0.074849
 
 
Salario (UMA)
Plazo
(años)
4.3
4.4
4.5
4.6
4.7
4.8
4.9
5.0
5.1
5.2
5.3
30
0.009255
0.009234
0.009220
0.009199
0.009178
0.009158
0.009145
0.009125
0.009106
0.009087
0.009067
29
0.009255
0.009234
0.009220
0.009199
0.009178
0.009158
0.009145
0.009125
0.009106
0.009087
0.009067
28
0.009255
0.009234
0.009220
0.009199
0.009178
0.009158
0.009145
0.009125
0.009106
0.009087
0.009067
27
0.009255
0.009234
0.009220
0.009199
0.009178
0.009158
0.009145
0.009125
0.009106
0.009087
0.009067
26
0.009255
0.009234
0.009220
0.009199
0.009178
0.009158
0.009145
0.009125
0.009106
0.009087
0.009067
25
0.009304
0.009282
0.009268
0.009247
0.009227
0.009206
0.009193
0.009174
0.009154
0.009134
0.009115
24
0.009361
0.009339
0.009325
0.009304
0.009284
0.009263
0.009250
0.009230
0.009210
0.009191
0.009171
23
0.009421
0.009407
0.009393
0.009371
0.009350
0.009330
0.009317
0.009297
0.009277
0.009257
0.009245
22
0.009500
0.009478
0.009464
0.009450
0.009429
0.009408
0.009395
0.009375
0.009355
0.009335
0.009323
21
0.009584
0.009570
0.009556
0.009534
0.009513
0.009492
0.009487
0.009467
0.009446
0.009426
0.009407
20
0.009684
0.009669
0.009655
0.009634
0.009612
0.009599
0.009586
0.009566
0.009545
0.009534
0.009514
19
0.009802
0.009787
0.009773
0.009751
0.009730
0.009717
0.009704
0.009683
0.009663
0.009651
0.009631
18
0.009941
0.009918
0.009904
0.009891
0.009869
0.009847
0.009835
0.009822
0.009802
0.009781
0.009770
17
0.010098
0.010074
0.010061
0.010047
0.010025
0.010012
0.010000
0.009978
0.009967
0.009946
0.009925
16
0.010275
0.010261
0.010247
0.010234
0.010211
0.010199
0.010187
0.010165
0.010153
0.010132
0.010111
15
0.010498
0.010474
0.010471
0.010448
0.010435
0.010412
0.010400
0.010389
0.010367
0.010356
0.010335
14
0.010756
0.010732
0.010730
0.010706
0.010694
0.010670
0.010659
0.010648
0.010626
0.010615
0.010594
13
0.011058
0.011045
0.011032
0.011020
0.010996
0.010985
0.010973
0.010951
0.010940
0.010918
0.010908
12
0.011428
0.011415
0.011403
0.011392
0.011367
0.011356
0.011346
0.011323
0.011313
0.011290
0.011281
11
0.011886
0.011860
0.011849
0.011838
0.011827
0.011803
0.011793
0.011784
0.011761
0.011752
0.011729
10
0.012444
0.012417
0.012407
0.012398
0.012372
0.012364
0.012355
0.012347
0.012323
0.012316
0.012293
9
0.013137
0.013128
0.013101
0.013093
0.013086
0.013060
0.013054
0.013047
0.013023
0.013018
0.012994
8
0.014036
0.014008
0.014003
0.013976
0.013971
0.013967
0.013942
0.013938
0.013913
0.013910
0.013887
7
0.015210
0.015181
0.015180
0.015153
0.015153
0.015126
0.015127
0.015102
0.015103
0.015078
0.015055
6
0.016794
0.016765
0.016772
0.016745
0.016719
0.016727
0.016701
0.016709
0.016685
0.016661
0.016638
5
0.019035
0.019009
0.019030
0.019005
0.018981
0.018957
0.018978
0.018955
0.018933
0.018911
0.018932
4
0.022495
0.022474
0.022455
0.022436
0.022417
0.022399
0.022382
0.022366
0.022349
0.022334
0.022319
3
0.028214
0.028214
0.028214
0.028214
0.028214
0.028214
0.028110
0.028112
0.028114
0.028116
0.028118
2
0.039907
0.039740
0.039815
0.039886
0.039730
0.039801
0.039868
0.039721
0.039788
0.039645
0.039712
1
0.074515
0.074182
0.074786
0.074474
0.075025
0.074731
0.074437
0.074960
0.074682
0.074404
0.074901
 
 
Salario (UMA)
Plazo
(años)
5.4
5.5
5.6
5.7
5.8
5.9
6.0
6.1
6.2
6.3
6.4
30
0.009048
0.009030
0.009011
0.008993
0.008975
0.008957
0.008939
0.008913
0.008896
0.008879
0.008861
29
0.009048
0.009030
0.009011
0.008993
0.008975
0.008957
0.008939
0.008913
0.008896
0.008879
0.008861
28
0.009048
0.009030
0.009011
0.008993
0.008975
0.008957
0.008939
0.008913
0.008896
0.008879
0.008861
27
0.009048
0.009030
0.009011
0.008993
0.008975
0.008957
0.008939
0.008913
0.008896
0.008879
0.008861
26
0.009048
0.009030
0.009011
0.008993
0.008975
0.008957
0.008939
0.008913
0.008896
0.008879
0.008861
25
0.009096
0.009077
0.009059
0.009040
0.009022
0.009004
0.008986
0.008960
0.008942
0.008925
0.008908
24
0.009152
0.009141
0.009122
0.009104
0.009085
0.009067
0.009049
0.009024
0.009006
0.008988
0.008971
23
0.009226
0.009207
0.009188
0.009170
0.009151
0.009133
0.009115
0.009089
0.009071
0.009054
0.009036
22
0.009304
0.009285
0.009266
0.009247
0.009229
0.009210
0.009192
0.009166
0.009148
0.009139
0.009121
21
0.009387
0.009376
0.009357
0.009338
0.009319
0.009301
0.009283
0.009256
0.009238
0.009229
0.009212
20
0.009494
0.009475
0.009455
0.009436
0.009426
0.009408
0.009389
0.009362
0.009344
0.009326
0.009309
19
0.009611
0.009591
0.009581
0.009562
0.009543
0.009524
0.009506
0.009478
0.009469
0.009451
0.009433
18
0.009750
0.009730
0.009720
0.009700
0.009681
0.009662
0.009644
0.009625
0.009607
0.009589
0.009571
17
0.009915
0.009895
0.009875
0.009855
0.009845
0.009826
0.009808
0.009779
0.009771
0.009752
0.009734
16
0.010101
0.010081
0.010061
0.010041
0.010031
0.010012
0.009993
0.009974
0.009956
0.009937
0.009919
15
0.010314
0.010304
0.010284
0.010264
0.010255
0.010235
0.010216
0.010197
0.010178
0.010160
0.010141
14
0.010584
0.010563
0.010542
0.010533
0.010513
0.010493
0.010485
0.010455
0.010436
0.010428
0.010410
13
0.010887
0.010877
0.010857
0.010836
0.010828
0.010808
0.010788
0.010768
0.010749
0.010730
0.010723
12
0.011259
0.011251
0.011229
0.011221
0.011201
0.011181
0.011173
0.011141
0.011134
0.011115
0.011096
11
0.011721
0.011699
0.011692
0.011671
0.011650
0.011643
0.011623
0.011603
0.011583
0.011564
0.011559
10
0.012270
0.012264
0.012242
0.012236
0.012215
0.012194
0.012189
0.012169
0.012149
0.012129
0.012109
9
0.012971
0.012966
0.012944
0.012940
0.012919
0.012897
0.012894
0.012874
0.012853
0.012833
0.012814
8
0.013884
0.013862
0.013839
0.013838
0.013816
0.013795
0.013794
0.013773
0.013753
0.013733
0.013713
7
0.015057
0.015034
0.015011
0.015014
0.014992
0.014971
0.014950
0.014930
0.014909
0.014914
0.014894
6
0.016647
0.016625
0.016603
0.016581
0.016591
0.016570
0.016550
0.016530
0.016511
0.016492
0.016503
5
0.018911
0.018891
0.018871
0.018852
0.018833
0.018854
0.018835
0.018779
0.018761
0.018783
0.018766
4
0.022304
0.022290
0.022334
0.022320
0.022306
0.022237
0.022224
0.022212
0.022201
0.022189
0.022178
3
0.028120
0.028122
0.028123
0.028032
0.028036
0.028039
0.028042
0.028045
0.027960
0.027964
0.027968
2
0.039776
0.039641
0.039705
0.039766
0.039638
0.039698
0.039573
0.039634
0.039693
0.039573
0.039632
1
0.074638
0.074375
0.074849
0.074599
0.074349
0.074801
0.074563
0.074325
0.074087
0.073849
0.073611
 
 
Salario (UMA)
Plazo
(años)
6.5
6.6
6.7
6.8
6.9
7.0
7.1
7.2
7.3
7.4
7.5
30
0.008861
0.008381
0.008349
0.008356
0.008364
0.008371
0.008378
0.008348
0.008355
0.008362
0.008368
29
0.008861
0.008381
0.008349
0.008356
0.008364
0.008371
0.008378
0.008348
0.008355
0.008362
0.008368
28
0.008861
0.008381
0.008349
0.008356
0.008364
0.008371
0.008378
0.008348
0.008355
0.008362
0.008368
27
0.008861
0.008381
0.008349
0.008356
0.008364
0.008371
0.008378
0.008348
0.008355
0.008362
0.008368
26
0.008861
0.008381
0.008349
0.008356
0.008364
0.008371
0.008378
0.008348
0.008355
0.008362
0.008368
25
0.008907
0.008421
0.008428
0.008434
0.008440
0.008408
0.008415
0.008421
0.008427
0.008433
0.008439
24
0.008971
0.008502
0.008508
0.008474
0.008479
0.008485
0.008490
0.008496
0.008501
0.008469
0.008475
23
0.009036
0.008544
0.008549
0.008553
0.008558
0.008563
0.008567
0.008571
0.008576
0.008543
0.008547
22
0.009121
0.008627
0.008631
0.008635
0.008638
0.008642
0.008645
0.008649
0.008652
0.008655
0.008658
21
0.009212
0.008756
0.008758
0.008760
0.008720
0.008723
0.008725
0.008727
0.008729
0.008732
0.008734
20
0.009309
0.008844
0.008845
0.008846
0.008846
0.008847
0.008847
0.008848
0.008848
0.008849
0.008850
19
0.009434
0.008980
0.008978
0.008977
0.008976
0.008974
0.008973
0.008972
0.008971
0.008970
0.008969
18
0.009572
0.009119
0.009116
0.009112
0.009109
0.009106
0.009103
0.009100
0.009097
0.009136
0.009132
17
0.009736
0.009312
0.009306
0.009299
0.009293
0.009287
0.009281
0.009275
0.009270
0.009264
0.009302
16
0.009922
0.009462
0.009504
0.009494
0.009485
0.009475
0.009467
0.009458
0.009496
0.009487
0.009479
15
0.010145
0.009724
0.009710
0.009697
0.009735
0.009722
0.009709
0.009697
0.009733
0.009721
0.009709
14
0.010403
0.010000
0.009981
0.009963
0.010000
0.009982
0.009965
0.010000
0.009983
0.009966
0.010000
13
0.010717
0.010292
0.010328
0.010303
0.010279
0.010313
0.010290
0.010323
0.010300
0.010278
0.010309
12
0.011090
0.010667
0.010699
0.010667
0.010698
0.010667
0.010697
0.010667
0.010696
0.010667
0.010695
11
0.011554
0.011139
0.011167
0.011125
0.011152
0.011178
0.011137
0.011163
0.011124
0.011149
0.011173
10
0.012121
0.011733
0.011754
0.011699
0.011720
0.011740
0.011687
0.011707
0.011727
0.011746
0.011696
9
0.012812
0.012394
0.012407
0.012420
0.012432
0.012444
0.012456
0.012468
0.012399
0.012411
0.012422
8
0.013714
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014898
0.014545
0.014526
0.014507
0.014488
0.014470
0.014564
0.014545
0.014527
0.014510
0.014493
6
0.016484
0.016147
0.016096
0.016190
0.016140
0.016092
0.016182
0.016134
0.016088
0.016175
0.016129
5
0.018750
0.018333
0.018419
0.018503
0.018400
0.018482
0.018382
0.018462
0.018365
0.018442
0.018349
4
0.022220
0.022000
0.021789
0.021847
0.021905
0.021961
0.021762
0.021818
0.021873
0.021926
0.021978
3
0.027972
0.027937
0.027917
0.027897
0.027879
0.027861
0.027843
0.027826
0.027810
0.027793
0.027778
2
0.039687
0.039111
0.039704
0.039420
0.039149
0.039716
0.039444
0.039184
0.039728
0.039467
0.039216
1
0.073373
0.076522
0.074444
0.075556
0.076667
0.074667
0.075733
0.076800
0.074872
0.075897
0.074074
 
 
Salario (UMA)
Plazo
(años)
7.6
7.7
7.8
7.9
8.0
8.1
8.2
8.3
8.4
8.5
8.6
30
0.008375
0.008381
0.008353
0.008360
0.008366
0.008372
0.008378
0.008352
0.008358
0.008364
0.008370
29
0.008375
0.008381
0.008353
0.008360
0.008366
0.008372
0.008378
0.008352
0.008358
0.008364
0.008370
28
0.008375
0.008381
0.008353
0.008360
0.008366
0.008372
0.008378
0.008352
0.008358
0.008364
0.008370
27
0.008375
0.008381
0.008353
0.008360
0.008366
0.008372
0.008378
0.008352
0.008358
0.008364
0.008370
26
0.008375
0.008381
0.008353
0.008360
0.008366
0.008372
0.008378
0.008352
0.008358
0.008364
0.008370
25
0.008409
0.008415
0.008421
0.008427
0.008432
0.008405
0.008410
0.008416
0.008421
0.008426
0.008431
24
0.008480
0.008485
0.008490
0.008495
0.008499
0.008471
0.008475
0.008480
0.008485
0.008489
0.008494
23
0.008551
0.008556
0.008560
0.008564
0.008568
0.008571
0.008542
0.008546
0.008550
0.008553
0.008557
22
0.008624
0.008627
0.008631
0.008634
0.008637
0.008640
0.008643
0.008646
0.008649
0.008651
0.008654
21
0.008736
0.008738
0.008739
0.008741
0.008743
0.008745
0.008747
0.008748
0.008750
0.008752
0.008720
20
0.008850
0.008851
0.008851
0.008852
0.008852
0.008852
0.008853
0.008853
0.008854
0.008854
0.008855
19
0.008968
0.008967
0.008966
0.008965
0.008964
0.008963
0.008962
0.008961
0.008960
0.008959
0.008958
18
0.009129
0.009126
0.009123
0.009120
0.009117
0.009114
0.009111
0.009108
0.009106
0.009103
0.009101
17
0.009297
0.009291
0.009286
0.009280
0.009275
0.009270
0.009266
0.009300
0.009295
0.009290
0.009285
16
0.009470
0.009462
0.009498
0.009489
0.009481
0.009474
0.009466
0.009459
0.009492
0.009484
0.009477
15
0.009697
0.009686
0.009720
0.009708
0.009697
0.009686
0.009719
0.009708
0.009697
0.009687
0.009718
14
0.009984
0.009968
0.010000
0.009984
0.009969
0.009954
0.009985
0.009970
0.009956
0.009985
0.009971
13
0.010288
0.010318
0.010297
0.010276
0.010306
0.010286
0.010314
0.010295
0.010275
0.010303
0.010284
12
0.010667
0.010694
0.010667
0.010694
0.010667
0.010693
0.010667
0.010692
0.010667
0.010692
0.010667
11
0.011136
0.011159
0.011123
0.011146
0.011169
0.011134
0.011156
0.011122
0.011144
0.011166
0.011133
10
0.011715
0.011733
0.011685
0.011704
0.011722
0.011739
0.011693
0.011711
0.011728
0.011684
0.011701
9
0.012434
0.012444
0.012455
0.012392
0.012403
0.012414
0.012424
0.012434
0.012444
0.012454
0.012396
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014476
0.014563
0.014545
0.014529
0.014512
0.014497
0.014481
0.014561
0.014545
0.014530
0.014515
6
0.016085
0.016168
0.016124
0.016081
0.016162
0.016119
0.016078
0.016156
0.016115
0.016076
0.016150
5
0.018424
0.018333
0.018407
0.018480
0.018391
0.018462
0.018375
0.018444
0.018361
0.018428
0.018347
4
0.021792
0.021844
0.021895
0.021944
0.021769
0.021818
0.021867
0.021914
0.021961
0.021795
0.021841
3
0.027763
0.027748
0.027733
0.027719
0.027706
0.027692
0.027679
0.027667
0.027654
0.027642
0.027631
2
0.039739
0.039487
0.039245
0.039748
0.039506
0.039273
0.039758
0.039524
0.039298
0.039766
0.039540
1
0.075062
0.076049
0.074286
0.075238
0.076190
0.074483
0.075402
0.076322
0.074667
0.075556
0.076444
 
 
Salario (UMA)
Plazo
(años)
8.7
8.8
8.9
9.0
9.1
9.2
9.3
9.4
9.5
9.6
9.7
30
0.008375
0.008351
0.008357
0.008362
0.008368
0.008373
0.008350
0.008356
0.008361
0.008366
0.008371
29
0.008375
0.008351
0.008357
0.008362
0.008368
0.008373
0.008350
0.008356
0.008361
0.008366
0.008371
28
0.008375
0.008351
0.008357
0.008362
0.008368
0.008373
0.008350
0.008356
0.008361
0.008366
0.008371
27
0.008375
0.008351
0.008357
0.008362
0.008368
0.008373
0.008350
0.008356
0.008361
0.008366
0.008371
26
0.008375
0.008351
0.008357
0.008362
0.008368
0.008373
0.008350
0.008356
0.008361
0.008366
0.008371
25
0.008406
0.008411
0.008416
0.008421
0.008426
0.008431
0.008407
0.008412
0.008416
0.008421
0.008426
24
0.008498
0.008472
0.008476
0.008481
0.008485
0.008489
0.008493
0.008468
0.008473
0.008477
0.008481
23
0.008561
0.008564
0.008568
0.008541
0.008545
0.008548
0.008552
0.008555
0.008559
0.008562
0.008565
22
0.008625
0.008627
0.008630
0.008633
0.008636
0.008638
0.008641
0.008644
0.008646
0.008649
0.008651
21
0.008722
0.008724
0.008725
0.008727
0.008729
0.008731
0.008732
0.008734
0.008736
0.008737
0.008739
20
0.008855
0.008855
0.008856
0.008856
0.008856
0.008857
0.008857
0.008857
0.008858
0.008828
0.008828
19
0.008958
0.008957
0.008956
0.008955
0.008954
0.008954
0.008953
0.008952
0.008983
0.008982
0.008981
18
0.009098
0.009131
0.009128
0.009125
0.009123
0.009120
0.009118
0.009115
0.009113
0.009110
0.009108
17
0.009280
0.009275
0.009271
0.009266
0.009298
0.009293
0.009288
0.009284
0.009280
0.009275
0.009271
16
0.009469
0.009462
0.009493
0.009486
0.009479
0.009472
0.009466
0.009459
0.009488
0.009481
0.009475
15
0.009707
0.009697
0.009687
0.009717
0.009707
0.009697
0.009688
0.009716
0.009706
0.009697
0.009688
14
0.009957
0.009986
0.009972
0.009959
0.009986
0.009973
0.009960
0.009987
0.009974
0.009961
0.009987
13
0.010311
0.010292
0.010274
0.010300
0.010282
0.010308
0.010290
0.010273
0.010298
0.010281
0.010305
12
0.010691
0.010667
0.010691
0.010667
0.010690
0.010667
0.010690
0.010667
0.010689
0.010667
0.010689
11
0.011154
0.011122
0.011142
0.011163
0.011131
0.011152
0.011121
0.011141
0.011160
0.011130
0.011149
10
0.011717
0.011733
0.011691
0.011707
0.011723
0.011683
0.011698
0.011713
0.011728
0.011689
0.011704
9
0.012406
0.012416
0.012426
0.012435
0.012444
0.012391
0.012400
0.012409
0.012418
0.012427
0.012436
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014500
0.014486
0.014472
0.014545
0.014531
0.014517
0.014503
0.014489
0.014476
0.014545
0.014532
6
0.016111
0.016073
0.016145
0.016107
0.016071
0.016140
0.016104
0.016068
0.016136
0.016101
0.016066
5
0.018413
0.018333
0.018398
0.018462
0.018384
0.018446
0.018370
0.018431
0.018357
0.018417
0.018345
4
0.021887
0.021931
0.021774
0.021818
0.021862
0.021905
0.021754
0.021797
0.021839
0.021880
0.021921
3
0.027619
0.027608
0.027597
0.027586
0.027576
0.027566
0.027556
0.027546
0.027536
0.027527
0.027518
2
0.039322
0.039111
0.039556
0.039344
0.039140
0.039570
0.039365
0.039167
0.039583
0.039385
0.039192
1
0.074839
0.075699
0.074167
0.075000
0.075833
0.074343
0.075152
0.075960
0.074510
0.075294
0.076078
 
 
Salario (UMA)
Plazo
(años)
9.8
9.9
10.0
10.1
10.2
10.3
10.4
10.5
10.6
10.7
10.8
30
0.008349
0.008354
0.008359
0.008364
0.008369
0.008349
0.008353
0.008358
0.008363
0.008368
0.008348
29
0.008349
0.008354
0.008359
0.008364
0.008369
0.008349
0.008353
0.008358
0.008363
0.008368
0.008348
28
0.008349
0.008354
0.008359
0.008364
0.008369
0.008349
0.008353
0.008358
0.008363
0.008368
0.008348
27
0.008349
0.008354
0.008359
0.008364
0.008369
0.008349
0.008353
0.008358
0.008363
0.008368
0.008348
26
0.008349
0.008354
0.008359
0.008364
0.008369
0.008349
0.008353
0.008358
0.008363
0.008368
0.008348
25
0.008430
0.008408
0.008412
0.008417
0.008421
0.008425
0.008404
0.008408
0.008413
0.008417
0.008421
24
0.008485
0.008489
0.008493
0.008470
0.008474
0.008477
0.008481
0.008485
0.008488
0.008492
0.008471
23
0.008568
0.008544
0.008547
0.008550
0.008553
0.008557
0.008560
0.008563
0.008566
0.008543
0.008546
22
0.008625
0.008627
0.008630
0.008632
0.008635
0.008637
0.008640
0.008642
0.008644
0.008646
0.008649
21
0.008740
0.008742
0.008743
0.008745
0.008746
0.008720
0.008721
0.008723
0.008724
0.008726
0.008727
20
0.008829
0.008829
0.008830
0.008831
0.008831
0.008832
0.008832
0.008833
0.008833
0.008834
0.008834
19
0.008981
0.008980
0.008979
0.008978
0.008977
0.008976
0.008975
0.008974
0.008974
0.008973
0.008972
18
0.009106
0.009103
0.009101
0.009099
0.009097
0.009125
0.009123
0.009121
0.009118
0.009116
0.009114
17
0.009267
0.009296
0.009292
0.009287
0.009283
0.009279
0.009275
0.009272
0.009268
0.009264
0.009290
16
0.009469
0.009462
0.009490
0.009484
0.009477
0.009471
0.009465
0.009459
0.009485
0.009480
0.009474
15
0.009715
0.009706
0.009697
0.009688
0.009714
0.009706
0.009697
0.009689
0.009714
0.009705
0.009697
14
0.009975
0.009962
0.009988
0.009975
0.009963
0.009988
0.009976
0.009964
0.009988
0.009977
0.009965
13
0.010289
0.010272
0.010296
0.010280
0.010303
0.010287
0.010272
0.010294
0.010279
0.010301
0.010286
12
0.010667
0.010688
0.010667
0.010688
0.010667
0.010687
0.010667
0.010687
0.010667
0.010687
0.010667
11
0.011121
0.011139
0.011158
0.011129
0.011148
0.011120
0.011138
0.011155
0.011129
0.011146
0.011120
10
0.011719
0.011733
0.011696
0.011710
0.011724
0.011688
0.011702
0.011715
0.011729
0.011694
0.011707
9
0.012444
0.012394
0.012403
0.012412
0.012420
0.012428
0.012436
0.012389
0.012398
0.012406
0.012414
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014519
0.014505
0.014493
0.014480
0.014545
0.014533
0.014520
0.014508
0.014496
0.014484
0.014472
6
0.016132
0.016098
0.016064
0.016128
0.016095
0.016157
0.016124
0.016092
0.016152
0.016121
0.016089
5
0.018404
0.018333
0.018391
0.018447
0.018378
0.018434
0.018366
0.018421
0.018355
0.018409
0.018344
4
0.021778
0.021818
0.021858
0.021897
0.021760
0.021799
0.021837
0.021875
0.021912
0.021781
0.021818
3
0.027801
0.027789
0.027778
0.027766
0.027755
0.027744
0.027733
0.027723
0.027712
0.027702
0.027692
2
0.039596
0.039403
0.039216
0.039608
0.039420
0.039238
0.039619
0.039437
0.039259
0.039630
0.039452
1
0.074667
0.075429
0.074074
0.074815
0.075556
0.074234
0.074955
0.075676
0.074386
0.075088
0.075789
 
 
Salario (UMA)
Plazo
(años)
10.9
11.0
11.1
11.2
11.3
11.4
11.5
11.6
11.7
11.8
11.9
30
0.008352
0.008357
0.008362
0.008366
0.008370
0.008352
0.008356
0.008360
0.008365
0.008369
0.008351
29
0.008352
0.008357
0.008362
0.008366
0.008370
0.008352
0.008356
0.008360
0.008365
0.008369
0.008351
28
0.008352
0.008357
0.008362
0.008366
0.008370
0.008352
0.008356
0.008360
0.008365
0.008369
0.008351
27
0.008352
0.008357
0.008362
0.008366
0.008370
0.008352
0.008356
0.008360
0.008365
0.008369
0.008351
26
0.008352
0.008357
0.008362
0.008366
0.008370
0.008352
0.008356
0.008360
0.008365
0.008369
0.008351
25
0.008425
0.008405
0.008409
0.008413
0.008417
0.008421
0.008425
0.008406
0.008410
0.008414
0.008417
24
0.008474
0.008478
0.008481
0.008485
0.008488
0.008468
0.008471
0.008475
0.008478
0.008482
0.008485
23
0.008549
0.008552
0.008555
0.008558
0.008561
0.008563
0.008542
0.008545
0.008548
0.008551
0.008553
22
0.008625
0.008627
0.008630
0.008632
0.008634
0.008636
0.008638
0.008641
0.008643
0.008645
0.008647
21
0.008729
0.008730
0.008732
0.008733
0.008734
0.008736
0.008737
0.008738
0.008739
0.008741
0.008742
20
0.008835
0.008835
0.008836
0.008836
0.008837
0.008837
0.008838
0.008838
0.008839
0.008839
0.008839
19
0.008971
0.008970
0.008970
0.008969
0.008968
0.008968
0.008967
0.008966
0.008966
0.008965
0.008964
18
0.009112
0.009110
0.009108
0.009106
0.009104
0.009102
0.009100
0.009098
0.009123
0.009121
0.009119
17
0.009286
0.009283
0.009279
0.009275
0.009272
0.009268
0.009265
0.009289
0.009286
0.009282
0.009279
16
0.009468
0.009462
0.009487
0.009481
0.009476
0.009470
0.009465
0.009460
0.009483
0.009478
0.009473
15
0.009689
0.009713
0.009705
0.009697
0.009689
0.009712
0.009705
0.009697
0.009689
0.009712
0.009704
14
0.009954
0.009977
0.009966
0.009956
0.009978
0.009967
0.009957
0.009978
0.009968
0.009958
0.009979
13
0.010307
0.010292
0.010278
0.010299
0.010284
0.010305
0.010291
0.010277
0.010297
0.010283
0.010303
12
0.010686
0.010667
0.010686
0.010667
0.010686
0.010667
0.010685
0.010667
0.010685
0.010667
0.010685
11
0.011137
0.011153
0.011128
0.011144
0.011119
0.011136
0.011152
0.011127
0.011143
0.011119
0.011135
10
0.011720
0.011687
0.011700
0.011712
0.011725
0.011692
0.011705
0.011717
0.011685
0.011698
0.011710
9
0.012422
0.012429
0.012437
0.012393
0.012401
0.012408
0.012416
0.012423
0.012430
0.012437
0.012396
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014533
0.014521
0.014510
0.014498
0.014487
0.014476
0.014534
0.014523
0.014512
0.014501
0.014490
6
0.016148
0.016117
0.016087
0.016144
0.016114
0.016085
0.016140
0.016111
0.016082
0.016137
0.016108
5
0.018397
0.018333
0.018385
0.018436
0.018374
0.018424
0.018363
0.018413
0.018353
0.018402
0.018343
4
0.021855
0.021891
0.021765
0.021800
0.021836
0.021871
0.021905
0.021784
0.021818
0.021852
0.021885
3
0.027683
0.027673
0.027664
0.027654
0.027645
0.027636
0.027628
0.027619
0.027611
0.027602
0.027594
2
0.039279
0.039111
0.039467
0.039298
0.039134
0.039481
0.039316
0.039156
0.039494
0.039333
0.039177
1
0.074530
0.075214
0.075897
0.074667
0.075333
0.074146
0.074797
0.075447
0.074286
0.074921
0.075556
 
 
Salario (UMA)
Plazo
(años)
12.0
12.1
12.2
12.3
12.4
12.5
12.6
12.7
12.8
12.9
13.0
30
0.008355
0.008359
0.008363
0.008367
0.008350
0.008354
0.008358
0.008362
0.008366
0.008350
0.008353
29
0.008355
0.008359
0.008363
0.008367
0.008350
0.008354
0.008358
0.008362
0.008366
0.008350
0.008353
28
0.008355
0.008359
0.008363
0.008367
0.008350
0.008354
0.008358
0.008362
0.008366
0.008350
0.008353
27
0.008355
0.008359
0.008363
0.008367
0.008350
0.008354
0.008358
0.008362
0.008366
0.008350
0.008353
26
0.008355
0.008359
0.008363
0.008367
0.008350
0.008354
0.008358
0.008362
0.008366
0.008350
0.008353
25
0.008421
0.008425
0.008407
0.008410
0.008414
0.008418
0.008421
0.008425
0.008407
0.008411
0.008414
24
0.008488
0.008469
0.008472
0.008475
0.008479
0.008482
0.008485
0.008488
0.008470
0.008473
0.008476
23
0.008556
0.008559
0.008561
0.008542
0.008544
0.008547
0.008550
0.008552
0.008555
0.008557
0.008560
22
0.008625
0.008627
0.008630
0.008632
0.008634
0.008636
0.008638
0.008639
0.008641
0.008643
0.008645
21
0.008719
0.008721
0.008722
0.008723
0.008725
0.008726
0.008727
0.008729
0.008730
0.008731
0.008732
20
0.008840
0.008840
0.008841
0.008841
0.008841
0.008842
0.008842
0.008842
0.008843
0.008843
0.008844
19
0.008964
0.008963
0.008962
0.008962
0.008961
0.008961
0.008960
0.008959
0.008959
0.008958
0.008958
18
0.009117
0.009115
0.009113
0.009111
0.009109
0.009107
0.009106
0.009104
0.009102
0.009101
0.009099
17
0.009275
0.009272
0.009269
0.009266
0.009288
0.009285
0.009282
0.009279
0.009275
0.009272
0.009269
16
0.009467
0.009462
0.009485
0.009480
0.009475
0.009470
0.009465
0.009460
0.009481
0.009477
0.009472
15
0.009697
0.009690
0.009711
0.009704
0.009697
0.009690
0.009711
0.009704
0.009697
0.009690
0.009711
14
0.009969
0.009959
0.009980
0.009970
0.009960
0.009980
0.009970
0.009961
0.009981
0.009971
0.009962
13
0.010289
0.010276
0.010295
0.010282
0.010301
0.010288
0.010275
0.010294
0.010281
0.010299
0.010287
12
0.010667
0.010684
0.010667
0.010684
0.010667
0.010684
0.010667
0.010683
0.010667
0.010683
0.010667
11
0.011150
0.011126
0.011142
0.011119
0.011134
0.011148
0.011126
0.011140
0.011118
0.011133
0.011147
10
0.011722
0.011691
0.011703
0.011714
0.011684
0.011696
0.011707
0.011719
0.011689
0.011701
0.011712
9
0.012403
0.012410
0.012417
0.012424
0.012431
0.012392
0.012399
0.012405
0.012412
0.012419
0.012425
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014480
0.014469
0.014524
0.014513
0.014503
0.014493
0.014483
0.014473
0.014525
0.014515
0.014505
6
0.016080
0.016133
0.016106
0.016078
0.016130
0.016103
0.016077
0.016127
0.016101
0.016075
0.016124
5
0.018391
0.018333
0.018380
0.018427
0.018370
0.018416
0.018361
0.018406
0.018351
0.018396
0.018342
4
0.021769
0.021802
0.021834
0.021867
0.021754
0.021786
0.021818
0.021849
0.021880
0.021772
0.021803
3
0.027586
0.027578
0.027571
0.027563
0.027556
0.027548
0.027541
0.027534
0.027527
0.027520
0.027513
2
0.039506
0.039350
0.039197
0.039518
0.039365
0.039216
0.039529
0.039380
0.039234
0.039540
0.039394
1
0.074419
0.075039
0.075659
0.074545
0.075152
0.074074
0.074667
0.075259
0.074203
0.074783
0.075362
 
 
Salario (UMA)
Plazo
(años)
13.1
13.2
13.3
13.4
13.5
13.6
13.7
13.8
13.9
14.0
14.1
30
0.008357
0.008361
0.008365
0.008349
0.008353
0.008356
0.008360
0.008364
0.008348
0.008352
0.008356
29
0.008357
0.008361
0.008365
0.008349
0.008353
0.008356
0.008360
0.008364
0.008348
0.008352
0.008356
28
0.008357
0.008361
0.008365
0.008349
0.008353
0.008356
0.008360
0.008364
0.008348
0.008352
0.008356
27
0.008357
0.008361
0.008365
0.008349
0.008353
0.008356
0.008360
0.008364
0.008348
0.008352
0.008356
26
0.008357
0.008361
0.008365
0.008349
0.008353
0.008356
0.008360
0.008364
0.008348
0.008352
0.008356
25
0.008418
0.008421
0.008404
0.008408
0.008411
0.008415
0.008418
0.008421
0.008405
0.008408
0.008412
24
0.008479
0.008482
0.008485
0.008488
0.008471
0.008474
0.008476
0.008479
0.008482
0.008485
0.008468
23
0.008541
0.008544
0.008546
0.008549
0.008551
0.008553
0.008556
0.008558
0.008541
0.008543
0.008545
22
0.008626
0.008627
0.008629
0.008631
0.008633
0.008635
0.008637
0.008638
0.008640
0.008642
0.008624
21
0.008733
0.008734
0.008736
0.008737
0.008738
0.008739
0.008719
0.008720
0.008722
0.008723
0.008724
20
0.008844
0.008844
0.008845
0.008845
0.008845
0.008846
0.008846
0.008846
0.008846
0.008847
0.008847
19
0.008957
0.008957
0.008956
0.008956
0.008955
0.008955
0.008954
0.008954
0.008953
0.008953
0.008952
18
0.009097
0.009119
0.009117
0.009116
0.009114
0.009112
0.009111
0.009109
0.009107
0.009106
0.009104
17
0.009266
0.009288
0.009284
0.009281
0.009278
0.009275
0.009272
0.009270
0.009267
0.009264
0.009284
16
0.009467
0.009462
0.009458
0.009478
0.009474
0.009469
0.009465
0.009460
0.009480
0.009475
0.009471
15
0.009704
0.009697
0.009690
0.009710
0.009704
0.009697
0.009691
0.009710
0.009703
0.009697
0.009691
14
0.009981
0.009972
0.009963
0.009954
0.009972
0.009963
0.009955
0.009973
0.009964
0.009956
0.009973
13
0.010275
0.010292
0.010280
0.010298
0.010286
0.010274
0.010291
0.010279
0.010296
0.010285
0.010273
12
0.010683
0.010667
0.010683
0.010667
0.010682
0.010667
0.010682
0.010667
0.010682
0.010667
0.010682
11
0.011125
0.011139
0.011118
0.011132
0.011146
0.011125
0.011138
0.011118
0.011131
0.011144
0.011124
10
0.011683
0.011694
0.011705
0.011716
0.011688
0.011699
0.011709
0.011683
0.011693
0.011703
0.011713
9
0.012432
0.012394
0.012401
0.012407
0.012414
0.012420
0.012426
0.012391
0.012397
0.012403
0.012409
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014495
0.014486
0.014476
0.014526
0.014516
0.014507
0.014497
0.014488
0.014479
0.014470
0.014517
6
0.016098
0.016073
0.016121
0.016096
0.016071
0.016119
0.016094
0.016070
0.016116
0.016092
0.016068
5
0.018386
0.018333
0.018377
0.018325
0.018367
0.018409
0.018358
0.018400
0.018350
0.018391
0.018341
4
0.021833
0.021863
0.021759
0.021789
0.021818
0.021847
0.021876
0.021775
0.021804
0.021832
0.021860
3
0.027725
0.027717
0.027708
0.027700
0.027692
0.027684
0.027677
0.027669
0.027662
0.027654
0.027647
2
0.039251
0.039111
0.039407
0.039267
0.039130
0.039420
0.039283
0.039149
0.039433
0.039298
0.039167
1
0.074326
0.074894
0.075461
0.074444
0.075000
0.075556
0.074558
0.075102
0.074133
0.074667
0.075200
 
 
Salario (UMA)
Plazo
(años)
14.2
14.3
14.4
14.5
14.6
14.7
14.8
14.9
15.0
15.1
15.2
30
0.008359
0.008363
0.008348
0.008351
0.008355
0.008358
0.008362
0.008365
0.008351
0.008354
0.008357
29
0.008359
0.008363
0.008348
0.008351
0.008355
0.008358
0.008362
0.008365
0.008351
0.008354
0.008357
28
0.008359
0.008363
0.008348
0.008351
0.008355
0.008358
0.008362
0.008365
0.008351
0.008354
0.008357
27
0.008359
0.008363
0.008348
0.008351
0.008355
0.008358
0.008362
0.008365
0.008351
0.008354
0.008357
26
0.008359
0.008363
0.008348
0.008351
0.008355
0.008358
0.008362
0.008365
0.008351
0.008354
0.008357
25
0.008415
0.008418
0.008421
0.008406
0.008409
0.008412
0.008415
0.008418
0.008421
0.008406
0.008409
24
0.008471
0.008474
0.008477
0.008480
0.008482
0.008485
0.008469
0.008472
0.008475
0.008477
0.008480
23
0.008548
0.008550
0.008552
0.008555
0.008557
0.008559
0.008543
0.008545
0.008547
0.008549
0.008551
22
0.008626
0.008627
0.008629
0.008631
0.008633
0.008634
0.008636
0.008638
0.008639
0.008641
0.008624
21
0.008725
0.008726
0.008727
0.008728
0.008729
0.008731
0.008732
0.008733
0.008734
0.008735
0.008736
20
0.008847
0.008827
0.008828
0.008828
0.008828
0.008829
0.008829
0.008830
0.008830
0.008830
0.008831
19
0.008973
0.008973
0.008972
0.008971
0.008971
0.008970
0.008970
0.008969
0.008969
0.008968
0.008968
18
0.009103
0.009101
0.009100
0.009098
0.009097
0.009116
0.009115
0.009113
0.009112
0.009110
0.009109
17
0.009281
0.009278
0.009275
0.009273
0.009270
0.009267
0.009264
0.009283
0.009281
0.009278
0.009275
16
0.009467
0.009462
0.009458
0.009477
0.009473
0.009469
0.009464
0.009460
0.009479
0.009475
0.009470
15
0.009709
0.009703
0.009697
0.009691
0.009709
0.009703
0.009697
0.009691
0.009685
0.009703
0.009697
14
0.009965
0.009956
0.009974
0.009966
0.009957
0.009975
0.009966
0.009958
0.009975
0.009967
0.009959
13
0.010290
0.010279
0.010295
0.010284
0.010273
0.010289
0.010278
0.010294
0.010283
0.010272
0.010288
12
0.010667
0.010682
0.010667
0.010681
0.010667
0.010681
0.010667
0.010681
0.010667
0.010681
0.010667
11
0.011137
0.011118
0.011130
0.011143
0.011124
0.011136
0.011117
0.011130
0.011142
0.011123
0.011136
10
0.011687
0.011697
0.011707
0.011682
0.011692
0.011701
0.011711
0.011686
0.011696
0.011705
0.011715
9
0.012415
0.012421
0.012427
0.012393
0.012399
0.012405
0.012411
0.012417
0.012422
0.012390
0.012396
8
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
0.013333
7
0.014508
0.014499
0.014491
0.014482
0.014473
0.014519
0.014510
0.014501
0.014493
0.014484
0.014476
6
0.016113
0.016090
0.016067
0.016111
0.016088
0.016066
0.016109
0.016086
0.016064
0.016107
0.016085
5
0.018382
0.018333
0.018373
0.018325
0.018365
0.018404
0.018357
0.018395
0.018349
0.018387
0.018341
4
0.021762
0.021790
0.021818
0.021846
0.021873
0.021778
0.021805
0.021832
0.021858
0.021766
0.021792
3
0.027640
0.027633
0.027626
0.027619
0.027612
0.027606
0.027599
0.027593
0.027586
0.027580
0.027574
2
0.039444
0.039313
0.039184
0.039456
0.039327
0.039200
0.039467
0.039340
0.039216
0.039477
0.039353
1
0.074248
0.074771
0.075294
0.074359
0.074872
0.075385
0.074465
0.074969
0.074074
0.074568
0.075062
 
 
Salario (UMA)
Plazo
(años)
15.3
15.4
15.5
15.6
15.7
15.8
15.9
16.0
16.1
16.2
16.3
30
0.008361
0.008364
0.008350
0.008353
0.008357
0.008360
0.008363
0.008350
0.008353
0.008356
0.008359
29
0.008361
0.008364
0.008350
0.008353
0.008357
0.008360
0.008363
0.008350
0.008353
0.008356
0.008359
28
0.008361
0.008364
0.008350
0.008353
0.008357
0.008360
0.008363
0.008350
0.008353
0.008356
0.008359
27
0.008361
0.008364
0.008350
0.008353
0.008357
0.008360
0.008363
0.008350
0.008353
0.008356
0.008359
26
0.008361
0.008364
0.008350
0.008353
0.008357
0.008360
0.008363
0.008350
0.008353
0.008356
0.008359
25
0.008412
0.008415
0.008418
0.008404
0.008407
0.008410
0.008413
0.008416
0.008418
0.008405
0.008407
24
0.008482
0.008485
0.008470
0.008473
0.008475
0.008478
0.008480
0.008482
0.008468
0.008471
0.008473
23
0.008553
0.008556
0.008558
0.008542
0.008544
0.008546
0.008548
0.008550
0.008552
0.008554
0.008556
22
0.008626
0.008627
0.008629
0.008631
0.008632
0.008634
0.008635
0.008637
0.008638
0.008640
0.008624
21
0.008737
0.008719
0.008720
0.008721
0.008722
0.008723
0.008724
0.008725
0.008726
0.008727
0.008728
20
0.008831
0.008832
0.008832
0.008832
0.008833
0.008833
0.008833
0.008834
0.008834
0.008834
0.008835
19
0.008967
0.008967
0.008966
0.008966
0.008965
0.008965
0.008964
0.008964
0.008963
0.008963
0.008962
18
0.009107
0.009106
0.009104
0.009103
0.009101
0.009100
0.009099
0.009097
0.009115
0.009114
0.009113
17
0.009273
0.009270
0.009268
0.009265
0.009283
0.009280
0.009278
0.009275
0.009273
0.009270
0.009268
16
0.009466
0.009462
0.009458
0.009476
0.009472
0.009468
0.009464
0.009460
0.009478
0.009474
0.009470
15
0.009691
0.009686
0.009703
0.009697
0.009691
0.009686
0.009703
0.009697
0.009691
0.009686
0.009702
14
0.009976
0.009968
0.009960
0.009976
0.009968
0.009961
0.009976
0.009969
0.009961
0.009954
0.009969
13
0.010277
0.010292
0.010282
0.010272
0.010287
0.010276
0.010291
0.010281
0.010296
0.010286
0.010276
12
0.010653
0.010667
0.010653
0.010667
0.010653
0.010667
0.010653
0.010667
0.010653
0.010667
0.010654
11
0.011117
0.011129
0.011141
0.011123
0.011135
0.011117
0.011129
0.011140
0.011123
0.011134
0.011117
10
0.011691
0.011700
0.011709
0.011685
0.011695
0.011704
0.011713
0.011689
0.011698
0.011707
0.011685
9
0.012401
0.012407
0.012412
0.012418
0.012423
0.012392
0.012398
0.012403
0.012408
0.012414
0.012419
8
0.013333
0.013333
0.013333
0.013291
0.013291
0.013291
0.013292
0.013292
0.013292
0.013292
0.013293
7
0.014520
0.014511
0.014503
0.014495
0.014487
0.014479
0.014471
0.014512
0.014505
0.014497
0.014489
6
0.016126
0.016105
0.016083
0.016124
0.016103
0.016081
0.016122
0.016101
0.016080
0.016119
0.016099
5
0.018378
0.018333
0.018370
0.018326
0.018363
0.018399
0.018355
0.018391
0.018348
0.018383
0.018340
4
0.021818
0.021844
0.021754
0.021780
0.021806
0.021831
0.021856
0.021769
0.021794
0.021818
0.021843
3
0.027568
0.027562
0.027556
0.027550
0.027544
0.027538
0.027532
0.027527
0.027521
0.027516
0.027686
2
0.039231
0.039111
0.039365
0.039245
0.039128
0.039377
0.039259
0.039144
0.039388
0.039273
0.039159
1
0.074182
0.074667
0.075152
0.074286
0.074762
0.075238
0.074386
0.074854
0.075322
0.074483
0.074943
 
 
Salario (UMA)
Plazo
(años)
16.4
16.5
16.6
16.7
16.8
16.9
17.0
17.1
17.2
17.3
17.4
30
0.008362
0.008349
0.008352
0.008355
0.008358
0.008361
0.008349
0.008352
0.008355
0.008357
0.008360
29
0.008362
0.008349
0.008352
0.008355
0.008358
0.008361
0.008349
0.008352
0.008355
0.008357
0.008360
28
0.008362
0.008349
0.008352
0.008355
0.008358
0.008361
0.008349
0.008352
0.008355
0.008357
0.008360
27
0.008362
0.008349
0.008352
0.008355
0.008358
0.008361
0.008349
0.008352
0.008355
0.008357
0.008360
26
0.008362
0.008349
0.008352
0.008355
0.008358
0.008361
0.008349
0.008352
0.008355
0.008357
0.008360
25
0.008410
0.008413
0.008416
0.008418
0.008405
0.008408
0.008411
0.008413
0.008416
0.008418
0.008406
24
0.008475
0.008478
0.008480
0.008483
0.008469
0.008471
0.008474
0.008476
0.008478
0.008480
0.008483
23
0.008542
0.008544
0.008546
0.008548
0.008550
0.008552
0.008553
0.008555
0.008541
0.008543
0.008545
22
0.008626
0.008627
0.008629
0.008630
0.008632
0.008633
0.008635
0.008636
0.008638
0.008639
0.008625
21
0.008729
0.008730
0.008731
0.008732
0.008733
0.008734
0.008735
0.008719
0.008720
0.008721
0.008722
20
0.008835
0.008835
0.008836
0.008836
0.008836
0.008837
0.008837
0.008837
0.008838
0.008838
0.008838
19
0.008962
0.008961
0.008961
0.008960
0.008960
0.008960
0.008959
0.008959
0.008958
0.008958
0.008958
18
0.009111
0.009110
0.009108
0.009107
0.009106
0.009104
0.009103
0.009102
0.009101
0.009099
0.009098
17
0.009266
0.009283
0.009280
0.009278
0.009275
0.009273
0.009271
0.009268
0.009266
0.009264
0.009280
16
0.009466
0.009462
0.009459
0.009475
0.009471
0.009468
0.009464
0.009461
0.009477
0.009473
0.009469
15
0.009697
0.009692
0.009686
0.009702
0.009697
0.009692
0.009687
0.009702
0.009697
0.009692
0.009687
14
0.009962
0.009955
0.009970
0.009963
0.009956
0.009971
0.009963
0.009956
0.009971
0.009964
0.009957
13
0.010290
0.010280
0.010295
0.010285
0.010275
0.010289
0.010280
0.010293
0.010284
0.010275
0.010288
12
0.010667
0.010654
0.010667
0.010654
0.010667
0.010654
0.010667
0.010654
0.010667
0.010654
0.010667
11
0.011128
0.011139
0.011122
0.011133
0.011117
0.011128
0.011138
0.011122
0.011133
0.011116
0.011127
10
0.011693
0.011702
0.011711
0.011689
0.011697
0.011706
0.011684
0.011692
0.011701
0.011709
0.011688
9
0.012424
0.012394
0.012400
0.012405
0.012410
0.012415
0.012420
0.012391
0.012396
0.012401
0.012406
8
0.013293
0.013293
0.013293
0.013294
0.013294
0.013294
0.013294
0.013294
0.013295
0.013295
0.013295
7
0.014481
0.014474
0.014514
0.014506
0.014498
0.014491
0.014483
0.014476
0.014515
0.014507
0.014500
6
0.016078
0.016117
0.016097
0.016077
0.016115
0.016095
0.016076
0.016113
0.016094
0.016074
0.016111
5
0.018375
0.018333
0.018368
0.018326
0.018361
0.018395
0.018354
0.018387
0.018347
0.018380
0.018340
4
0.021758
0.021782
0.021806
0.021830
0.021854
0.021771
0.021795
0.021818
0.021841
0.021761
0.021784
3
0.027679
0.027673
0.027667
0.027660
0.027654
0.027648
0.027642
0.027636
0.027631
0.027625
0.027619
2
0.039399
0.039286
0.039174
0.039410
0.039298
0.039188
0.039420
0.039310
0.039202
0.039430
0.039322
1
0.074124
0.074576
0.075028
0.074222
0.074667
0.075111
0.074317
0.074754
0.075191
0.074409
0.074839
 
 
Salario (UMA)
Plazo
(años)
17.5
17.6
17.7
17.8
17.9
18.0
18.1
18.2
18.3
18.4
18.5
30
0.008348
0.008351
0.008354
0.008357
0.008360
0.008348
0.008351
0.008353
0.008356
0.008359
0.008347
29
0.008348
0.008351
0.008354
0.008357
0.008360
0.008348
0.008351
0.008353
0.008356
0.008359
0.008347
28
0.008348
0.008351
0.008354
0.008357
0.008360
0.008348
0.008351
0.008353
0.008356
0.008359
0.008347
27
0.008348
0.008351
0.008354
0.008357
0.008360
0.008348
0.008351
0.008353
0.008356
0.008359
0.008347
26
0.008348
0.008351
0.008354
0.008357
0.008360
0.008348
0.008351
0.008353
0.008356
0.008359
0.008347
25
0.008408
0.008411
0.008414
0.008416
0.008419
0.008406
0.008409
0.008411
0.008414
0.008416
0.008404
24
0.008469
0.008472
0.008474
0.008476
0.008478
0.008481
0.008468
0.008470
0.008472
0.008474
0.008477
23
0.008547
0.008549
0.008551
0.008553
0.008554
0.008541
0.008543
0.008545
0.008546
0.008548
0.008550
22
0.008626
0.008627
0.008629
0.008630
0.008632
0.008633
0.008634
0.008636
0.008637
0.008638
0.008625
21
0.008723
0.008724
0.008725
0.008725
0.008726
0.008727
0.008728
0.008729
0.008730
0.008731
0.008732
20
0.008838
0.008839
0.008839
0.008839
0.008840
0.008840
0.008840
0.008840
0.008841
0.008841
0.008841
19
0.008957
0.008957
0.008956
0.008956
0.008956
0.008955
0.008955
0.008954
0.008954
0.008954
0.008953
18
0.009097
0.009113
0.009112
0.009111
0.009109
0.009108
0.009107
0.009106
0.009104
0.009103
0.009102
17
0.009278
0.009275
0.009273
0.009271
0.009269
0.009266
0.009264
0.009280
0.009278
0.009275
0.009273
16
0.009466
0.009462
0.009459
0.009474
0.009471
0.009467
0.009464
0.009461
0.009476
0.009472
0.009469
15
0.009702
0.009697
0.009692
0.009687
0.009702
0.009697
0.009692
0.009687
0.009702
0.009697
0.009692
14
0.009972
0.009965
0.009958
0.009972
0.009965
0.009959
0.009972
0.009966
0.009959
0.009973
0.009966
13
0.010279
0.010292
0.010283
0.010274
0.010287
0.010278
0.010291
0.010282
0.010274
0.010287
0.010278
12
0.010654
0.010667
0.010655
0.010667
0.010655
0.010667
0.010655
0.010667
0.010655
0.010667
0.010655
11
0.011138
0.011122
0.011132
0.011116
0.011127
0.011137
0.011121
0.011131
0.011116
0.011126
0.011136
10
0.011696
0.011704
0.011683
0.011691
0.011699
0.011707
0.011687
0.011695
0.011703
0.011683
0.011690
9
0.012411
0.012416
0.012421
0.012393
0.012398
0.012403
0.012408
0.012413
0.012417
0.012391
0.012395
8
0.013295
0.013296
0.013296
0.013296
0.013296
0.013296
0.013297
0.013297
0.013297
0.013297
0.013297
7
0.014493
0.014486
0.014479
0.014472
0.014509
0.014502
0.014494
0.014488
0.014481
0.014474
0.014510
6
0.016092
0.016073
0.016109
0.016090
0.016072
0.016107
0.016089
0.016071
0.016106
0.016087
0.016069
5
0.018373
0.018333
0.018366
0.018327
0.018359
0.018391
0.018352
0.018384
0.018346
0.018377
0.018340
4
0.021807
0.021829
0.021852
0.021774
0.021796
0.021818
0.021840
0.021764
0.021786
0.021807
0.021829
3
0.027613
0.027608
0.027602
0.027597
0.027592
0.027586
0.027581
0.027576
0.027571
0.027566
0.027561
2
0.039216
0.039111
0.039333
0.039229
0.039126
0.039344
0.039241
0.039140
0.039355
0.039253
0.039153
1
0.074074
0.074497
0.074921
0.074167
0.074583
0.075000
0.074256
0.074667
0.075077
0.074343
0.074747
 
 
Salario (UMA)
Plazo
(años)
18.6
18.7
18.8
18.9
19.0
19.1
19.2
19.3
19.4
19.5
19.6
30
0.008350
0.008353
0.008356
0.008358
0.008361
0.008350
0.008352
0.008355
0.008358
0.008360
0.008349
29
0.008350
0.008353
0.008356
0.008358
0.008361
0.008350
0.008352
0.008355
0.008358
0.008360
0.008349
28
0.008350
0.008353
0.008356
0.008358
0.008361
0.008350
0.008352
0.008355
0.008358
0.008360
0.008349
27
0.008350
0.008353
0.008356
0.008358
0.008361
0.008350
0.008352
0.008355
0.008358
0.008360
0.008349
26
0.008350
0.008353
0.008356
0.008358
0.008361
0.008350
0.008352
0.008355
0.008358
0.008360
0.008349
25
0.008407
0.008409
0.008412
0.008414
0.008416
0.008405
0.008407
0.008410
0.008412
0.008414
0.008417
24
0.008479
0.008481
0.008468
0.008471
0.008473
0.008475
0.008477
0.008479
0.008481
0.008469
0.008471
23
0.008552
0.008553
0.008541
0.008542
0.008544
0.008546
0.008548
0.008549
0.008551
0.008553
0.008554
22
0.008626
0.008627
0.008629
0.008630
0.008631
0.008633
0.008634
0.008635
0.008637
0.008638
0.008625
21
0.008732
0.008733
0.008719
0.008720
0.008721
0.008721
0.008722
0.008723
0.008724
0.008725
0.008726
20
0.008841
0.008842
0.008842
0.008842
0.008842
0.008827
0.008828
0.008828
0.008828
0.008829
0.008829
19
0.008953
0.008953
0.008952
0.008968
0.008968
0.008967
0.008967
0.008966
0.008966
0.008966
0.008965
18
0.009101
0.009100
0.009099
0.009097
0.009096
0.009112
0.009110
0.009109
0.009108
0.009107
0.009106
17
0.009271
0.009269
0.009267
0.009265
0.009280
0.009277
0.009275
0.009273
0.009271
0.009269
0.009267
16
0.009466
0.009462
0.009459
0.009474
0.009470
0.009467
0.009464
0.009461
0.009458
0.009472
0.009469
15
0.009688
0.009702
0.009697
0.009692
0.009688
0.009702
0.009697
0.009692
0.009688
0.009701
0.009697
14
0.009960
0.009953
0.009967
0.009960
0.009954
0.009967
0.009961
0.009955
0.009968
0.009962
0.009956
13
0.010290
0.010282
0.010273
0.010286
0.010277
0.010290
0.010281
0.010273
0.010285
0.010277
0.010289
12
0.010667
0.010655
0.010667
0.010655
0.010667
0.010656
0.010667
0.010656
0.010667
0.010656
0.010667
11
0.011121
0.011131
0.011116
0.011126
0.011136
0.011121
0.011130
0.011116
0.011125
0.011135
0.011121
10
0.011698
0.011706
0.011686
0.011694
0.011701
0.011682
0.011689
0.011697
0.011704
0.011685
0.011693
9
0.012400
0.012405
0.012409
0.012414
0.012418
0.012393
0.012397
0.012402
0.012406
0.012411
0.012415
8
0.013298
0.013298
0.013298
0.013298
0.013298
0.013299
0.013299
0.013299
0.013299
0.013299
0.013299
7
0.014503
0.014496
0.014489
0.014483
0.014476
0.014470
0.014504
0.014498
0.014491
0.014485
0.014478
6
0.016104
0.016086
0.016068
0.016102
0.016085
0.016067
0.016101
0.016083
0.016066
0.016099
0.016082
5
0.018370
0.018333
0.018364
0.018327
0.018357
0.018387
0.018351
0.018381
0.018345
0.018375
0.018339
4
0.021754
0.021776
0.021797
0.021818
0.021839
0.021766
0.021787
0.021808
0.021828
0.021757
0.021778
3
0.027556
0.027551
0.027546
0.027541
0.027536
0.027532
0.027527
0.027522
0.027518
0.027513
0.027654
2
0.039365
0.039265
0.039167
0.039375
0.039276
0.039179
0.039385
0.039288
0.039192
0.039394
0.039298
1
0.075152
0.074428
0.074826
0.074118
0.074510
0.074902
0.074203
0.074589
0.074976
0.074286
0.074667
 
 
Salario (UMA)
Plazo
(años)
19.7
19.8
19.9
20.0
20.1
20.2
20.3
20.4
20.5
20.6
20.7
30
0.008352
0.008354
0.008357
0.008359
0.008349
0.008351
0.008354
0.008356
0.008359
0.008349
0.008351
29
0.008352
0.008354
0.008357
0.008359
0.008349
0.008351
0.008354
0.008356
0.008359
0.008349
0.008351
28
0.008352
0.008354
0.008357
0.008359
0.008349
0.008351
0.008354
0.008356
0.008359
0.008349
0.008351
27
0.008352
0.008354
0.008357
0.008359
0.008349
0.008351
0.008354
0.008356
0.008359
0.008349
0.008351
26
0.008352
0.008354
0.008357
0.008359
0.008349
0.008351
0.008354
0.008356
0.008359
0.008349
0.008351
25
0.008405
0.008408
0.008410
0.008412
0.008414
0.008417
0.008406
0.008408
0.008410
0.008412
0.008415
24
0.008473
0.008475
0.008477
0.008479
0.008481
0.008470
0.008472
0.008474
0.008475
0.008477
0.008479
23
0.008542
0.008544
0.008545
0.008547
0.008549
0.008550
0.008552
0.008553
0.008542
0.008543
0.008545
22
0.008626
0.008627
0.008629
0.008630
0.008631
0.008632
0.008634
0.008635
0.008636
0.008624
0.008625
21
0.008726
0.008727
0.008728
0.008729
0.008730
0.008730
0.008731
0.008732
0.008719
0.008720
0.008720
20
0.008829
0.008829
0.008830
0.008830
0.008830
0.008831
0.008831
0.008831
0.008831
0.008832
0.008832
19
0.008965
0.008964
0.008964
0.008964
0.008963
0.008963
0.008962
0.008962
0.008962
0.008961
0.008961
18
0.009105
0.009103
0.009102
0.009101
0.009100
0.009099
0.009098
0.009097
0.009111
0.009110
0.009109
17
0.009265
0.009279
0.009277
0.009275
0.009273
0.009271
0.009269
0.009267
0.009266
0.009264
0.009277
16
0.009465
0.009462
0.009459
0.009473
0.009470
0.009467
0.009464
0.009461
0.009458
0.009471
0.009468
15
0.009692
0.009688
0.009701
0.009697
0.009693
0.009688
0.009701
0.009697
0.009693
0.009688
0.009701
14
0.009968
0.009962
0.009956
0.009969
0.009963
0.009957
0.009969
0.009963
0.009957
0.009970
0.009964
13
0.010280
0.010272
0.010284
0.010276
0.010288
0.010280
0.010272
0.010284
0.010276
0.010287
0.010279
12
0.010656
0.010667
0.010656
0.010667
0.010656
0.010667
0.010656
0.010667
0.010656
0.010667
0.010656
11
0.011130
0.011116
0.011125
0.011134
0.011120
0.011129
0.011116
0.011125
0.011134
0.011120
0.011129
10
0.011700
0.011707
0.011689
0.011696
0.011703
0.011685
0.011692
0.011699
0.011706
0.011688
0.011695
9
0.012390
0.012394
0.012399
0.012403
0.012407
0.012412
0.012416
0.012392
0.012396
0.012400
0.012404
8
0.013300
0.013300
0.013300
0.013300
0.013300
0.013300
0.013301
0.013301
0.013301
0.013301
0.013301
7
0.014472
0.014505
0.014499
0.014493
0.014486
0.014480
0.014474
0.014507
0.014500
0.014494
0.014488
6
0.016065
0.016098
0.016081
0.016064
0.016096
0.016080
0.016111
0.016095
0.016078
0.016109
0.016093
5
0.018368
0.018333
0.018362
0.018328
0.018356
0.018385
0.018350
0.018378
0.018345
0.018372
0.018339
4
0.021798
0.021818
0.021838
0.021769
0.021789
0.021808
0.021828
0.021760
0.021780
0.021799
0.021818
3
0.027649
0.027644
0.027639
0.027634
0.027629
0.027624
0.027619
0.027614
0.027609
0.027605
0.027600
2
0.039204
0.039111
0.039309
0.039216
0.039124
0.039319
0.039227
0.039137
0.039329
0.039238
0.039149
1
0.075048
0.074366
0.074742
0.074074
0.074444
0.074815
0.074155
0.074521
0.074886
0.074234
0.074595
 
 
Salario (UMA)
Plazo
(años)
20.8
20.9
21.0
21.1
21.2
21.3
21.4
21.5
21.6
21.7
21.8
30
0.008353
0.008356
0.008358
0.008348
0.008351
0.008353
0.008355
0.008358
0.008348
0.008350
0.008352
29
0.008353
0.008356
0.008358
0.008348
0.008351
0.008353
0.008355
0.008358
0.008348
0.008350
0.008352
28
0.008353
0.008356
0.008358
0.008348
0.008351
0.008353
0.008355
0.008358
0.008348
0.008350
0.008352
27
0.008353
0.008356
0.008358
0.008348
0.008351
0.008353
0.008355
0.008358
0.008348
0.008350
0.008352
26
0.008353
0.008356
0.008358
0.008348
0.008351
0.008353
0.008355
0.008358
0.008348
0.008350
0.008352
25
0.008404
0.008406
0.008408
0.008411
0.008413
0.008415
0.008405
0.008407
0.008409
0.008411
0.008413
24
0.008468
0.008470
0.008472
0.008474
0.008476
0.008478
0.008479
0.008469
0.008471
0.008472
0.008474
23
0.008546
0.008548
0.008550
0.008551
0.008553
0.008541
0.008543
0.008544
0.008546
0.008548
0.008549
22
0.008626
0.008627
0.008629
0.008630
0.008631
0.008632
0.008633
0.008635
0.008636
0.008624
0.008625
21
0.008721
0.008722
0.008723
0.008724
0.008724
0.008725
0.008726
0.008727
0.008727
0.008728
0.008729
20
0.008832
0.008833
0.008833
0.008833
0.008833
0.008834
0.008834
0.008834
0.008834
0.008835
0.008835
19
0.008961
0.008960
0.008960
0.008960
0.008959
0.008959
0.008959
0.008958
0.008958
0.008958
0.008957
18
0.009108
0.009107
0.009106
0.009105
0.009104
0.009103
0.009102
0.009101
0.009100
0.009099
0.009098
17
0.009275
0.009273
0.009272
0.009270
0.009268
0.009266
0.009264
0.009277
0.009275
0.009274
0.009272
16
0.009465
0.009462
0.009459
0.009473
0.009470
0.009467
0.009464
0.009461
0.009458
0.009471
0.009468
15
0.009697
0.009693
0.009689
0.009701
0.009697
0.009693
0.009689
0.009701
0.009697
0.009693
0.009689
14
0.009958
0.009970
0.009964
0.009959
0.009971
0.009965
0.009959
0.009954
0.009965
0.009960
0.009954
13
0.010272
0.010283
0.010275
0.010286
0.010279
0.010290
0.010282
0.010275
0.010286
0.010278
0.010289
12
0.010667
0.010656
0.010667
0.010657
0.010667
0.010657
0.010667
0.010657
0.010667
0.010657
0.010667
11
0.011116
0.011124
0.011133
0.011120
0.011129
0.011115
0.011124
0.011133
0.011120
0.011128
0.011115
10
0.011702
0.011684
0.011691
0.011698
0.011705
0.011687
0.011694
0.011701
0.011684
0.011690
0.011697
9
0.012409
0.012413
0.012389
0.012394
0.012398
0.012402
0.012406
0.012410
0.012414
0.012391
0.012395
8
0.013301
0.013302
0.013302
0.013302
0.013302
0.013302
0.013302
0.013302
0.013303
0.013303
0.013303
7
0.014482
0.014476
0.014470
0.014502
0.014496
0.014490
0.014484
0.014478
0.014472
0.014503
0.014497
6
0.016077
0.016108
0.016092
0.016076
0.016106
0.016091
0.016075
0.016105
0.016089
0.016074
0.016103
5
0.018366
0.018333
0.018361
0.018328
0.018355
0.018382
0.018349
0.018376
0.018344
0.018370
0.018339
4
0.021837
0.021771
0.021790
0.021809
0.021828
0.021762
0.021781
0.021800
0.021818
0.021754
0.021773
3
0.027595
0.027591
0.027586
0.027582
0.027577
0.027573
0.027568
0.027564
0.027560
0.027556
0.027551
2
0.039338
0.039249
0.039161
0.039347
0.039259
0.039172
0.039356
0.039269
0.039184
0.039365
0.039279
1
0.074955
0.074311
0.074667
0.075022
0.074386
0.074737
0.074113
0.074459
0.074805
0.074188
0.074530
 
 
Salario (UMA)
Plazo
(años)
21.9
22.0
22.1
22.2
22.3
22.4
22.5
22.6
22.7
22.8
22.9
30
0.008355
0.008357
0.008347
0.008350
0.008352
0.008354
0.008357
0.008359
0.008349
0.008352
0.008354
29
0.008355
0.008357
0.008347
0.008350
0.008352
0.008354
0.008357
0.008359
0.008349
0.008352
0.008354
28
0.008355
0.008357
0.008347
0.008350
0.008352
0.008354
0.008357
0.008359
0.008349
0.008352
0.008354
27
0.008355
0.008357
0.008347
0.008350
0.008352
0.008354
0.008357
0.008359
0.008349
0.008352
0.008354
26
0.008355
0.008357
0.008347
0.008350
0.008352
0.008354
0.008357
0.008359
0.008349
0.008352
0.008354
25
0.008415
0.008405
0.008407
0.008409
0.008411
0.008413
0.008415
0.008405
0.008407
0.008409
0.008411
24
0.008476
0.008478
0.008480
0.008469
0.008471
0.008473
0.008475
0.008476
0.008478
0.008468
0.008470
23
0.008551
0.008552
0.008541
0.008543
0.008544
0.008546
0.008547
0.008548
0.008550
0.008551
0.008541
22
0.008626
0.008627
0.008629
0.008630
0.008631
0.008632
0.008633
0.008634
0.008635
0.008624
0.008625
21
0.008729
0.008730
0.008731
0.008719
0.008719
0.008720
0.008721
0.008722
0.008722
0.008723
0.008724
20
0.008835
0.008835
0.008836
0.008836
0.008836
0.008836
0.008837
0.008837
0.008837
0.008837
0.008837
19
0.008957
0.008957
0.008956
0.008956
0.008956
0.008956
0.008955
0.008955
0.008955
0.008954
0.008954
18
0.009097
0.009110
0.009109
0.009108
0.009107
0.009106
0.009105
0.009104
0.009103
0.009102
0.009101
17
0.009270
0.009268
0.009266
0.009264
0.009277
0.009275
0.009274
0.009272
0.009270
0.009268
0.009267
16
0.009465
0.009462
0.009460
0.009472
0.009469
0.009466
0.009464
0.009461
0.009458
0.009470
0.009468
15
0.009701
0.009697
0.009693
0.009689
0.009685
0.009697
0.009693
0.009689
0.009685
0.009697
0.009693
14
0.009966
0.009960
0.009955
0.009966
0.009961
0.009956
0.009967
0.009961
0.009956
0.009967
0.009962
13
0.010282
0.010274
0.010285
0.010278
0.010288
0.010281
0.010274
0.010284
0.010277
0.010288
0.010281
12
0.010657
0.010667
0.010657
0.010667
0.010657
0.010667
0.010657
0.010667
0.010657
0.010667
0.010657
11
0.011124
0.011132
0.011119
0.011128
0.011115
0.011124
0.011132
0.011119
0.011127
0.011115
0.011123
10
0.011703
0.011687
0.011693
0.011700
0.011683
0.011689
0.011696
0.011702
0.011686
0.011692
0.011699
9
0.012399
0.012403
0.012407
0.012411
0.012415
0.012393
0.012397
0.012401
0.012404
0.012408
0.012412
8
0.013303
0.013303
0.013303
0.013303
0.013304
0.013304
0.013304
0.013304
0.013304
0.013304
0.013304
7
0.014491
0.014486
0.014480
0.014474
0.014504
0.014498
0.014493
0.014487
0.014482
0.014476
0.014471
6
0.016088
0.016073
0.016102
0.016087
0.016072
0.016101
0.016086
0.016071
0.016099
0.016085
0.016070
5
0.018365
0.018333
0.018359
0.018328
0.018354
0.018379
0.018349
0.018374
0.018343
0.018369
0.018338
4
0.021791
0.021809
0.021827
0.021765
0.021783
0.021800
0.021818
0.021757
0.021775
0.021792
0.021810
3
0.027547
0.027543
0.027539
0.027535
0.027531
0.027527
0.027523
0.027519
0.027515
0.027636
0.027632
2
0.039195
0.039111
0.039289
0.039205
0.039123
0.039298
0.039216
0.039134
0.039307
0.039226
0.039145
1
0.074872
0.074262
0.074599
0.074937
0.074333
0.074667
0.074074
0.074403
0.074733
0.074146
0.074472
 
 
Salario (UMA)
Plazo
(años)
23.0
23.1
23.2
23.3
23.4
23.5
23.6
23.7
23.8
23.9
24.0
30
0.008356
0.008358
0.008349
0.008351
0.008353
0.008356
0.008358
0.008349
0.008351
0.008353
0.008355
29
0.008356
0.008358
0.008349
0.008351
0.008353
0.008356
0.008358
0.008349
0.008351
0.008353
0.008355
28
0.008356
0.008358
0.008349
0.008351
0.008353
0.008356
0.008358
0.008349
0.008351
0.008353
0.008355
27
0.008356
0.008358
0.008349
0.008351
0.008353
0.008356
0.008358
0.008349
0.008351
0.008353
0.008355
26
0.008356
0.008358
0.008349
0.008351
0.008353
0.008356
0.008358
0.008349
0.008351
0.008353
0.008355
25
0.008413
0.008404
0.008406
0.008408
0.008410
0.008412
0.008414
0.008404
0.008406
0.008408
0.008410
24
0.008471
0.008473
0.008475
0.008477
0.008478
0.008468
0.008470
0.008472
0.008474
0.008475
0.008477
23
0.008542
0.008544
0.008545
0.008547
0.008548
0.008549
0.008551
0.008552
0.008542
0.008543
0.008545
22
0.008626
0.008627
0.008629
0.008630
0.008631
0.008632
0.008633
0.008634
0.008635
0.008624
0.008625
21
0.008725
0.008725
0.008726
0.008727
0.008727
0.008728
0.008729
0.008729
0.008730
0.008719
0.008719
20
0.008838
0.008838
0.008838
0.008838
0.008839
0.008839
0.008839
0.008839
0.008839
0.008827
0.008828
19
0.008954
0.008953
0.008953
0.008953
0.008953
0.008952
0.008952
0.008965
0.008964
0.008964
0.008964
18
0.009100
0.009099
0.009098
0.009097
0.009109
0.009109
0.009108
0.009107
0.009106
0.009105
0.009104
17
0.009265
0.009277
0.009275
0.009274
0.009272
0.009270
0.009269
0.009267
0.009265
0.009264
0.009275
16
0.009465
0.009462
0.009460
0.009472
0.009469
0.009466
0.009464
0.009461
0.009459
0.009470
0.009467
15
0.009689
0.009686
0.009697
0.009693
0.009689
0.009686
0.009697
0.009693
0.009690
0.009686
0.009697
14
0.009957
0.009968
0.009962
0.009957
0.009968
0.009963
0.009958
0.009968
0.009963
0.009958
0.009953
13
0.010274
0.010284
0.010277
0.010287
0.010280
0.010273
0.010283
0.010276
0.010286
0.010280
0.010273
12
0.010667
0.010657
0.010667
0.010658
0.010667
0.010658
0.010667
0.010658
0.010667
0.010658
0.010667
11
0.011131
0.011119
0.011127
0.011115
0.011123
0.011131
0.011119
0.011127
0.011115
0.011123
0.011130
10
0.011683
0.011689
0.011695
0.011701
0.011685
0.011692
0.011698
0.011682
0.011688
0.011694
0.011700
9
0.012391
0.012394
0.012398
0.012402
0.012406
0.012409
0.012413
0.012392
0.012396
0.012399
0.012403
8
0.013304
0.013305
0.013305
0.013305
0.013305
0.013305
0.013305
0.013305
0.013305
0.013305
0.013306
7
0.014500
0.014494
0.014489
0.014483
0.014478
0.014473
0.014501
0.014495
0.014490
0.014485
0.014480
6
0.016098
0.016084
0.016069
0.016097
0.016082
0.016068
0.016095
0.016081
0.016068
0.016094
0.016080
5
0.018363
0.018333
0.018358
0.018328
0.018353
0.018377
0.018348
0.018372
0.018343
0.018367
0.018338
4
0.021827
0.021767
0.021784
0.021801
0.021818
0.021759
0.021776
0.021793
0.021810
0.021826
0.021769
3
0.027628
0.027623
0.027619
0.027615
0.027611
0.027606
0.027602
0.027598
0.027594
0.027590
0.027586
2
0.039316
0.039236
0.039156
0.039325
0.039245
0.039167
0.039333
0.039255
0.039177
0.039342
0.039264
1
0.074797
0.074217
0.074538
0.074859
0.074286
0.074603
0.074921
0.074353
0.074667
0.074109
0.074419
 
 
Salario (UMA)
Plazo
(años)
24.1
24.2
24.3
24.4
24.5
24.6
24.7
24.8
24.9
25.0
30
0.008357
0.008348
0.008351
0.008353
0.008355
0.008357
0.008348
0.008350
0.008352
0.008354
29
0.008357
0.008348
0.008351
0.008353
0.008355
0.008357
0.008348
0.008350
0.008352
0.008354
28
0.008357
0.008348
0.008351
0.008353
0.008355
0.008357
0.008348
0.008350
0.008352
0.008354
27
0.008357
0.008348
0.008351
0.008353
0.008355
0.008357
0.008348
0.008350
0.008352
0.008354
26
0.008357
0.008348
0.008351
0.008353
0.008355
0.008357
0.008348
0.008350
0.008352
0.008354
25
0.008412
0.008414
0.008405
0.008407
0.008408
0.008410
0.008412
0.008414
0.008405
0.008407
24
0.008478
0.008469
0.008471
0.008472
0.008474
0.008475
0.008477
0.008468
0.008469
0.008471
23
0.008546
0.008547
0.008549
0.008550
0.008551
0.008542
0.008543
0.008544
0.008546
0.008547
22
0.008626
0.008627
0.008628
0.008630
0.008631
0.008632
0.008633
0.008634
0.008635
0.008624
21
0.008720
0.008721
0.008721
0.008722
0.008723
0.008723
0.008724
0.008725
0.008725
0.008726
20
0.008828
0.008828
0.008828
0.008829
0.008829
0.008829
0.008829
0.008830
0.008830
0.008830
19
0.008963
0.008963
0.008963
0.008962
0.008962
0.008962
0.008961
0.008961
0.008961
0.008961
18
0.009103
0.009102
0.009101
0.009100
0.009099
0.009098
0.009098
0.009097
0.009108
0.009107
17
0.009274
0.009272
0.009270
0.009269
0.009267
0.009266
0.009264
0.009275
0.009274
0.009272
16
0.009465
0.009462
0.009460
0.009471
0.009469
0.009466
0.009464
0.009461
0.009459
0.009470
15
0.009693
0.009690
0.009686
0.009697
0.009693
0.009690
0.009686
0.009697
0.009693
0.009690
14
0.009964
0.009959
0.009954
0.009964
0.009959
0.009954
0.009965
0.009960
0.009955
0.009965
13
0.010283
0.010276
0.010286
0.010279
0.010273
0.010282
0.010276
0.010285
0.010279
0.010272
12
0.010658
0.010667
0.010658
0.010667
0.010658
0.010667
0.010658
0.010667
0.010658
0.010667
11
0.011119
0.011126
0.011115
0.011123
0.011130
0.011119
0.011126
0.011115
0.011122
0.011130
10
0.011685
0.011691
0.011697
0.011703
0.011688
0.011693
0.011699
0.011684
0.011690
0.011696
9
0.012407
0.012410
0.012390
0.012394
0.012397
0.012401
0.012404
0.012408
0.012411
0.012392
8
0.013306
0.013306
0.013306
0.013306
0.013306
0.013306
0.013306
0.013307
0.013307
0.013307
7
0.014474
0.014469
0.014497
0.014491
0.014486
0.014481
0.014476
0.014471
0.014498
0.014493
6
0.016067
0.016093
0.016079
0.016066
0.016092
0.016078
0.016065
0.016091
0.016077
0.016064
5
0.018362
0.018333
0.018357
0.018329
0.018352
0.018375
0.018347
0.018370
0.018343
0.018365
4
0.021785
0.021802
0.021818
0.021761
0.021778
0.021794
0.021810
0.021754
0.021770
0.021786
3
0.027582
0.027578
0.027574
0.027571
0.027567
0.027563
0.027559
0.027556
0.027552
0.027548
2
0.039187
0.039111
0.039273
0.039197
0.039122
0.039281
0.039206
0.039132
0.039290
0.039216
1
0.074729
0.074176
0.074483
0.074789
0.074242
0.074545
0.074848
0.074307
0.074607
0.074074
F.    Tabla de Factores de Pago Régimen Especial de Amortización
 
Salario (UMA)
Plazo
(años)
1.0
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
1.9
2.0
30
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
29
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
28
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
27
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
26
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
25
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
24
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
23
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
22
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
21
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
20
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
19
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
18
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
17
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
16
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
15
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
14
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
13
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
12
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
11
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
10
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
9
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
8
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
7
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
6
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
5
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
4
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
3
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
2
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
1
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
 
 
Salario (UMA)
Plazo
(años)
2.1
2.2
2.3
2.4
2.5
2.6
2.7
2.8
2.9
3.0
3.1
30
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
29
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
28
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
27
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
26
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
25
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
24
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
23
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
22
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
21
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
20
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
19
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
18
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
17
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
16
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
15
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
14
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
13
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
12
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
11
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
10
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
9
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
8
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
7
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
6
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
5
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
4
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
3
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
2
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
1
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
 
 
Salario (UMA)
Plazo
(años)
3.2
3.3
3.4
3.5
3.6
3.7
3.8
3.9
4.0
4.1
4.2
30
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
29
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
28
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
27
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
26
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
25
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
24
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
23
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
22
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
21
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
20
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
19
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
18
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
17
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
16
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
15
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
14
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
13
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
12
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
11
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
10
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
9
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
8
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
7
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
6
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
5
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
4
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
3
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
2
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
1
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
 
 
Salario (UMA)
Plazo
(años)
4.3
4.4
4.5
4.6
4.7
4.8
4.9
5.0
5.1
5.2
5.3
30
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
29
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
28
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
27
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
26
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
25
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
24
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
23
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
22
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
21
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
20
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
19
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
18
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
17
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
16
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
15
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
14
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
13
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
12
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
11
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
10
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
9
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
8
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
7
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
6
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
5
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
4
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
3
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
2
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
1
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
 
 
Salario (UMA)
Plazo
(años)
5.4
5.5
5.6
5.7
5.8
5.9
6.0
6.1
6.2
6.3
6.4
30
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
29
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
28
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
27
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
26
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
0.010470
25
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
0.010532
24
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
0.010604
23
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
0.010686
22
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
0.010779
21
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
0.010887
20
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
0.011011
19
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
0.011154
18
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
0.011320
17
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
0.011512
16
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
0.011737
15
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
0.012002
14
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
0.012314
13
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
0.012687
12
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
0.013134
11
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
0.013678
10
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
0.014347
9
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
0.015184
8
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
0.016253
7
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
0.017653
6
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
0.019550
5
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
0.022244
4
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
0.026334
3
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
0.033214
2
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
0.047073
1
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
0.088849
 
 
Salario (UMA)
Plazo
(años)
6.5
6.6
6.7
6.8
6.9
7.0
7.1
7.2
7.3
7.4
7.5
30
0.010470
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
29
0.010470
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
28
0.010470
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
27
0.010470
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
26
0.010470
0.010057
0.010019
0.010028
0.010036
0.010045
0.010053
0.010017
0.010026
0.010034
0.010042
25
0.010532
0.010105
0.010113
0.010121
0.010128
0.010090
0.010098
0.010105
0.010113
0.010120
0.010127
24
0.010604
0.010203
0.010210
0.010168
0.010175
0.010182
0.010188
0.010195
0.010201
0.010163
0.010169
23
0.010686
0.010252
0.010258
0.010264
0.010270
0.010275
0.010281
0.010286
0.010291
0.010251
0.010256
22
0.010779
0.010353
0.010357
0.010362
0.010366
0.010370
0.010374
0.010378
0.010382
0.010386
0.010390
21
0.010887
0.010507
0.010510
0.010512
0.010464
0.010467
0.010470
0.010473
0.010475
0.010478
0.010480
20
0.011011
0.010613
0.010614
0.010615
0.010615
0.010616
0.010617
0.010618
0.010618
0.010619
0.010619
19
0.011154
0.010776
0.010774
0.010772
0.010771
0.010769
0.010768
0.010766
0.010765
0.010764
0.010762
18
0.011320
0.010943
0.010939
0.010935
0.010931
0.010927
0.010923
0.010919
0.010916
0.010963
0.010959
17
0.011512
0.011175
0.011167
0.011159
0.011152
0.011144
0.011137
0.011130
0.011124
0.011117
0.011163
16
0.011737
0.011355
0.011404
0.011393
0.011381
0.011371
0.011360
0.011350
0.011395
0.011385
0.011374
15
0.012002
0.011669
0.011652
0.011636
0.011683
0.011667
0.011651
0.011636
0.011680
0.011665
0.011650
14
0.012314
0.012000
0.011978
0.011956
0.012000
0.011979
0.011958
0.012000
0.011979
0.011960
0.012000
13
0.012687
0.012351
0.012393
0.012364
0.012335
0.012376
0.012348
0.012387
0.012360
0.012333
0.012371
12
0.013134
0.012800
0.012838
0.012800
0.012837
0.012800
0.012836
0.012800
0.012835
0.012800
0.012834
11
0.013678
0.013367
0.013400
0.013350
0.013382
0.013413
0.013365
0.013395
0.013349
0.013379
0.013408
10
0.014347
0.014080
0.014105
0.014039
0.014064
0.014088
0.014025
0.014049
0.014072
0.014095
0.014035
9
0.015184
0.014873
0.014889
0.014904
0.014919
0.014933
0.014947
0.014961
0.014879
0.014893
0.014907
8
0.016253
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017653
0.017455
0.017431
0.017408
0.017386
0.017364
0.017477
0.017455
0.017433
0.017412
0.017391
6
0.019550
0.019376
0.019315
0.019429
0.019368
0.019310
0.019419
0.019361
0.019306
0.019410
0.019355
5
0.022244
0.022000
0.022103
0.022204
0.022080
0.022178
0.022058
0.022154
0.022038
0.022131
0.022018
4
0.026334
0.026400
0.026146
0.026217
0.026286
0.026353
0.026115
0.026182
0.026247
0.026311
0.026374
3
0.033214
0.033524
0.033500
0.033477
0.033455
0.033433
0.033412
0.033391
0.033371
0.033352
0.033333
2
0.047073
0.046933
0.047644
0.047304
0.046979
0.047660
0.047333
0.047020
0.047673
0.047360
0.047059
1
0.088849
0.091826
0.089333
0.090667
0.092000
0.089600
0.090880
0.092160
0.089846
0.091077
0.088889
 
 
Salario (UMA)
Plazo
(años)
7.6
7.7
7.8
7.9
8.0
8.1
8.2
8.3
8.4
8.5
8.6
30
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
29
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
28
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
27
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
26
0.010050
0.010057
0.010024
0.010032
0.010039
0.010047
0.010054
0.010023
0.010030
0.010037
0.010044
25
0.010091
0.010098
0.010105
0.010112
0.010119
0.010086
0.010092
0.010099
0.010105
0.010112
0.010118
24
0.010176
0.010182
0.010188
0.010194
0.010199
0.010165
0.010171
0.010176
0.010182
0.010187
0.010193
23
0.010262
0.010267
0.010272
0.010276
0.010281
0.010286
0.010250
0.010255
0.010260
0.010264
0.010269
22
0.010349
0.010353
0.010357
0.010361
0.010364
0.010368
0.010372
0.010375
0.010378
0.010382
0.010385
21
0.010483
0.010485
0.010487
0.010490
0.010492
0.010494
0.010496
0.010498
0.010500
0.010502
0.010464
20
0.010620
0.010621
0.010621
0.010622
0.010622
0.010623
0.010623
0.010624
0.010625
0.010625
0.010625
19
0.010761
0.010760
0.010759
0.010757
0.010756
0.010755
0.010754
0.010753
0.010752
0.010751
0.010750
18
0.010955
0.010951
0.010947
0.010944
0.010940
0.010937
0.010933
0.010930
0.010927
0.010924
0.010921
17
0.011156
0.011149
0.011143
0.011137
0.011130
0.011124
0.011119
0.011160
0.011154
0.011148
0.011142
16
0.011364
0.011355
0.011397
0.011387
0.011378
0.011368
0.011359
0.011350
0.011390
0.011381
0.011372
15
0.011636
0.011623
0.011664
0.011650
0.011636
0.011623
0.011662
0.011649
0.011636
0.011624
0.011661
14
0.011980
0.011961
0.012000
0.011981
0.011963
0.011945
0.011982
0.011964
0.011947
0.011982
0.011965
13
0.012345
0.012382
0.012356
0.012332
0.012367
0.012343
0.012377
0.012353
0.012330
0.012364
0.012341
12
0.012800
0.012833
0.012800
0.012832
0.012800
0.012832
0.012800
0.012831
0.012800
0.012830
0.012800
11
0.013363
0.013391
0.013348
0.013376
0.013403
0.013361
0.013388
0.013347
0.013373
0.013399
0.013359
10
0.014058
0.014080
0.014022
0.014044
0.014066
0.014087
0.014032
0.014053
0.014073
0.014021
0.014041
9
0.014920
0.014933
0.014946
0.014871
0.014884
0.014897
0.014909
0.014921
0.014933
0.014945
0.014876
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017371
0.017475
0.017455
0.017434
0.017415
0.017396
0.017377
0.017474
0.017455
0.017436
0.017418
6
0.019302
0.019402
0.019349
0.019298
0.019394
0.019343
0.019294
0.019387
0.019338
0.019291
0.019380
5
0.022109
0.022000
0.022088
0.022175
0.022069
0.022154
0.022050
0.022133
0.022033
0.022114
0.022016
4
0.026151
0.026213
0.026274
0.026333
0.026122
0.026182
0.026240
0.026297
0.026353
0.026154
0.026210
3
0.033315
0.033297
0.033280
0.033263
0.033247
0.033231
0.033215
0.033200
0.033185
0.033171
0.033157
2
0.047686
0.047385
0.047094
0.047698
0.047407
0.047127
0.047709
0.047429
0.047158
0.047719
0.047448
1
0.090074
0.091259
0.089143
0.090286
0.091429
0.089379
0.090483
0.091586
0.089600
0.090667
0.091733
 
 
Salario (UMA)
Plazo
(años)
8.7
8.8
8.9
9.0
9.1
9.2
9.3
9.4
9.5
9.6
9.7
30
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
29
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
28
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
27
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
26
0.010051
0.010021
0.010028
0.010035
0.010041
0.010048
0.010020
0.010027
0.010033
0.010039
0.010045
25
0.010087
0.010093
0.010099
0.010105
0.010111
0.010117
0.010088
0.010094
0.010100
0.010105
0.010111
24
0.010198
0.010166
0.010171
0.010177
0.010182
0.010187
0.010192
0.010162
0.010167
0.010172
0.010177
23
0.010273
0.010277
0.010282
0.010249
0.010254
0.010258
0.010262
0.010266
0.010270
0.010274
0.010278
22
0.010349
0.010353
0.010356
0.010360
0.010363
0.010366
0.010369
0.010372
0.010375
0.010378
0.010381
21
0.010466
0.010468
0.010471
0.010473
0.010475
0.010477
0.010479
0.010481
0.010483
0.010485
0.010486
20
0.010626
0.010626
0.010627
0.010627
0.010628
0.010628
0.010629
0.010629
0.010629
0.010593
0.010594
19
0.010749
0.010748
0.010747
0.010746
0.010745
0.010745
0.010744
0.010743
0.010780
0.010779
0.010778
18
0.010918
0.010957
0.010954
0.010951
0.010947
0.010944
0.010941
0.010938
0.010935
0.010932
0.010930
17
0.011136
0.011130
0.011125
0.011120
0.011157
0.011152
0.011146
0.011141
0.011136
0.011130
0.011125
16
0.011363
0.011355
0.011392
0.011383
0.011375
0.011367
0.011359
0.011351
0.011386
0.011378
0.011370
15
0.011649
0.011636
0.011624
0.011660
0.011648
0.011636
0.011625
0.011659
0.011648
0.011636
0.011625
14
0.011948
0.011983
0.011966
0.011950
0.011984
0.011967
0.011952
0.011984
0.011969
0.011953
0.011985
13
0.012373
0.012351
0.012329
0.012361
0.012339
0.012370
0.012349
0.012328
0.012358
0.012337
0.012367
12
0.012829
0.012800
0.012829
0.012800
0.012828
0.012800
0.012828
0.012800
0.012827
0.012800
0.012826
11
0.013385
0.013346
0.013371
0.013395
0.013358
0.013382
0.013345
0.013369
0.013392
0.013357
0.013379
10
0.014061
0.014080
0.014030
0.014049
0.014068
0.014019
0.014038
0.014056
0.014074
0.014027
0.014045
9
0.014888
0.014899
0.014911
0.014922
0.014933
0.014869
0.014880
0.014891
0.014902
0.014913
0.014923
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017400
0.017383
0.017366
0.017455
0.017437
0.017420
0.017404
0.017387
0.017371
0.017455
0.017438
6
0.019333
0.019288
0.019374
0.019329
0.019285
0.019368
0.019325
0.019282
0.019363
0.019321
0.019280
5
0.022095
0.022000
0.022078
0.022154
0.022061
0.022135
0.022044
0.022118
0.022029
0.022101
0.022014
4
0.026264
0.026318
0.026128
0.026182
0.026234
0.026286
0.026105
0.026157
0.026207
0.026256
0.026305
3
0.033143
0.033129
0.033116
0.033103
0.033091
0.033079
0.033067
0.033055
0.033043
0.033032
0.033021
2
0.047186
0.046933
0.047467
0.047213
0.046968
0.047484
0.047238
0.047000
0.047500
0.047262
0.047030
1
0.089806
0.090839
0.089000
0.090000
0.091000
0.089212
0.090182
0.091152
0.089412
0.090353
0.091294
 
 
Salario (UMA)
Plazo
(años)
9.8
9.9
10.0
10.1
10.2
10.3
10.4
10.5
10.6
10.7
10.8
30
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
29
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
28
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
27
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
26
0.010019
0.010025
0.010031
0.010037
0.010043
0.010018
0.010024
0.010030
0.010036
0.010041
0.010017
25
0.010116
0.010089
0.010095
0.010100
0.010105
0.010110
0.010085
0.010090
0.010095
0.010100
0.010105
24
0.010182
0.010186
0.010191
0.010164
0.010168
0.010173
0.010177
0.010182
0.010186
0.010190
0.010165
23
0.010282
0.010252
0.010256
0.010260
0.010264
0.010268
0.010272
0.010275
0.010279
0.010251
0.010255
22
0.010350
0.010353
0.010356
0.010359
0.010362
0.010365
0.010368
0.010370
0.010373
0.010376
0.010378
21
0.010488
0.010490
0.010492
0.010494
0.010495
0.010463
0.010465
0.010467
0.010469
0.010471
0.010473
20
0.010595
0.010595
0.010596
0.010597
0.010597
0.010598
0.010599
0.010599
0.010600
0.010601
0.010601
19
0.010777
0.010776
0.010774
0.010773
0.010772
0.010771
0.010770
0.010769
0.010768
0.010767
0.010766
18
0.010927
0.010924
0.010922
0.010919
0.010916
0.010950
0.010947
0.010945
0.010942
0.010939
0.010937
17
0.011121
0.011155
0.011150
0.011145
0.011140
0.011135
0.011130
0.011126
0.011121
0.011117
0.011148
16
0.011362
0.011355
0.011388
0.011380
0.011373
0.011366
0.011358
0.011351
0.011383
0.011375
0.011368
15
0.011658
0.011647
0.011636
0.011626
0.011657
0.011647
0.011636
0.011626
0.011656
0.011646
0.011636
14
0.011969
0.011955
0.011985
0.011970
0.011956
0.011985
0.011971
0.011957
0.011986
0.011972
0.011958
13
0.012346
0.012327
0.012355
0.012336
0.012364
0.012345
0.012326
0.012353
0.012335
0.012361
0.012343
12
0.012800
0.012826
0.012800
0.012825
0.012800
0.012825
0.012800
0.012824
0.012800
0.012824
0.012800
11
0.013345
0.013367
0.013389
0.013355
0.013377
0.013344
0.013365
0.013386
0.013354
0.013375
0.013344
10
0.014063
0.014080
0.014035
0.014052
0.014069
0.014026
0.014042
0.014059
0.014075
0.014033
0.014049
9
0.014933
0.014873
0.014884
0.014894
0.014904
0.014914
0.014924
0.014867
0.014877
0.014887
0.014897
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017422
0.017407
0.017391
0.017376
0.017455
0.017439
0.017424
0.017409
0.017395
0.017381
0.017367
6
0.019358
0.019317
0.019277
0.019353
0.019314
0.019388
0.019349
0.019310
0.019383
0.019345
0.019307
5
0.022085
0.022000
0.022069
0.022137
0.022054
0.022121
0.022040
0.022105
0.022026
0.022090
0.022013
4
0.026133
0.026182
0.026230
0.026276
0.026112
0.026159
0.026205
0.026250
0.026295
0.026137
0.026182
3
0.033362
0.033347
0.033333
0.033320
0.033306
0.033293
0.033280
0.033267
0.033255
0.033243
0.033231
2
0.047515
0.047284
0.047059
0.047529
0.047304
0.047086
0.047543
0.047324
0.047111
0.047556
0.047342
1
0.089600
0.090514
0.088889
0.089778
0.090667
0.089081
0.089946
0.090811
0.089263
0.090105
0.090947
 
 
Salario (UMA)
Plazo
(años)
10.9
11.0
11.1
11.2
11.3
11.4
11.5
11.6
11.7
11.8
11.9
30
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
29
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
28
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
27
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
26
0.010023
0.010028
0.010034
0.010039
0.010044
0.010022
0.010027
0.010032
0.010038
0.010043
0.010021
25
0.010110
0.010086
0.010091
0.010096
0.010101
0.010105
0.010110
0.010087
0.010092
0.010096
0.010101
24
0.010169
0.010173
0.010178
0.010182
0.010186
0.010162
0.010166
0.010170
0.010174
0.010178
0.010182
23
0.010259
0.010262
0.010266
0.010269
0.010273
0.010276
0.010251
0.010254
0.010258
0.010261
0.010264
22
0.010350
0.010353
0.010356
0.010358
0.010361
0.010364
0.010366
0.010369
0.010371
0.010374
0.010376
21
0.010474
0.010476
0.010478
0.010480
0.010481
0.010483
0.010484
0.010486
0.010487
0.010489
0.010490
20
0.010602
0.010602
0.010603
0.010604
0.010604
0.010605
0.010605
0.010606
0.010606
0.010607
0.010607
19
0.010765
0.010765
0.010764
0.010763
0.010762
0.010761
0.010760
0.010759
0.010759
0.010758
0.010757
18
0.010934
0.010932
0.010929
0.010927
0.010924
0.010922
0.010920
0.010918
0.010947
0.010945
0.010943
17
0.011144
0.011139
0.011135
0.011130
0.011126
0.011122
0.011118
0.011147
0.011143
0.011139
0.011135
16
0.011362
0.011355
0.011385
0.011378
0.011371
0.011364
0.011358
0.011352
0.011380
0.011373
0.011367
15
0.011627
0.011656
0.011646
0.011636
0.011627
0.011655
0.011646
0.011636
0.011627
0.011654
0.011645
14
0.011945
0.011973
0.011960
0.011947
0.011974
0.011961
0.011948
0.011974
0.011962
0.011949
0.011975
13
0.012369
0.012351
0.012333
0.012359
0.012341
0.012366
0.012349
0.012332
0.012356
0.012340
0.012364
12
0.012824
0.012800
0.012823
0.012800
0.012823
0.012800
0.012822
0.012800
0.012822
0.012800
0.012822
11
0.013364
0.013384
0.013353
0.013373
0.013343
0.013363
0.013382
0.013353
0.013371
0.013343
0.013361
10
0.014065
0.014024
0.014040
0.014055
0.014070
0.014031
0.014046
0.014061
0.014022
0.014037
0.014052
9
0.014906
0.014915
0.014924
0.014871
0.014881
0.014890
0.014899
0.014908
0.014916
0.014925
0.014875
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017440
0.017426
0.017412
0.017398
0.017385
0.017371
0.017441
0.017427
0.017414
0.017401
0.017388
6
0.019378
0.019341
0.019304
0.019373
0.019337
0.019302
0.019368
0.019333
0.019299
0.019364
0.019330
5
0.022076
0.022000
0.022062
0.022123
0.022049
0.022109
0.022036
0.022095
0.022024
0.022082
0.022012
4
0.026226
0.026269
0.026118
0.026161
0.026203
0.026245
0.026286
0.026141
0.026182
0.026222
0.026262
3
0.033219
0.033208
0.033196
0.033185
0.033174
0.033164
0.033153
0.033143
0.033133
0.033123
0.033113
2
0.047135
0.046933
0.047360
0.047158
0.046961
0.047377
0.047179
0.046987
0.047392
0.047200
0.047012
1
0.089436
0.090256
0.091077
0.089600
0.090400
0.088976
0.089756
0.090537
0.089143
0.089905
0.090667
 
 
Salario (UMA)
Plazo
(años)
12.0
12.1
12.2
12.3
12.4
12.5
12.6
12.7
12.8
12.9
13.0
30
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
29
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
28
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
27
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
26
0.010026
0.010031
0.010036
0.010041
0.010020
0.010025
0.010030
0.010035
0.010039
0.010019
0.010024
25
0.010105
0.010110
0.010088
0.010092
0.010097
0.010101
0.010105
0.010109
0.010089
0.010093
0.010097
24
0.010186
0.010163
0.010167
0.010171
0.010174
0.010178
0.010182
0.010185
0.010164
0.010167
0.010171
23
0.010267
0.010271
0.010274
0.010250
0.010253
0.010256
0.010260
0.010263
0.010266
0.010269
0.010272
22
0.010350
0.010353
0.010355
0.010358
0.010360
0.010363
0.010365
0.010367
0.010370
0.010372
0.010374
21
0.010463
0.010465
0.010466
0.010468
0.010470
0.010471
0.010473
0.010474
0.010476
0.010477
0.010479
20
0.010608
0.010608
0.010609
0.010609
0.010610
0.010610
0.010611
0.010611
0.010611
0.010612
0.010612
19
0.010756
0.010756
0.010755
0.010754
0.010753
0.010753
0.010752
0.010751
0.010751
0.010750
0.010749
18
0.010940
0.010938
0.010936
0.010933
0.010931
0.010929
0.010927
0.010925
0.010923
0.010921
0.010919
17
0.011130
0.011126
0.011123
0.011119
0.011146
0.011142
0.011138
0.011134
0.011130
0.011127
0.011123
16
0.011361
0.011355
0.011382
0.011376
0.011370
0.011364
0.011358
0.011352
0.011378
0.011372
0.011366
15
0.011636
0.011628
0.011654
0.011645
0.011636
0.011628
0.011653
0.011645
0.011636
0.011628
0.011653
14
0.011963
0.011951
0.011975
0.011964
0.011952
0.011976
0.011964
0.011953
0.011977
0.011965
0.011954
13
0.012347
0.012331
0.012354
0.012339
0.012361
0.012346
0.012330
0.012353
0.012337
0.012359
0.012344
12
0.012800
0.012821
0.012800
0.012821
0.012800
0.012821
0.012800
0.012820
0.012800
0.012820
0.012800
11
0.013380
0.013352
0.013370
0.013342
0.013360
0.013378
0.013351
0.013368
0.013342
0.013359
0.013376
10
0.014066
0.014029
0.014043
0.014057
0.014021
0.014035
0.014049
0.014062
0.014027
0.014041
0.014054
9
0.014884
0.014892
0.014901
0.014909
0.014917
0.014870
0.014878
0.014886
0.014895
0.014903
0.014910
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017376
0.017363
0.017429
0.017416
0.017404
0.017391
0.017379
0.017368
0.017430
0.017418
0.017406
6
0.019296
0.019360
0.019327
0.019294
0.019356
0.019324
0.019292
0.019352
0.019321
0.019290
0.019349
5
0.022069
0.022000
0.022056
0.022112
0.022044
0.022099
0.022033
0.022087
0.022022
0.022075
0.022011
4
0.026122
0.026162
0.026201
0.026240
0.026105
0.026144
0.026182
0.026219
0.026256
0.026127
0.026164
3
0.033103
0.033094
0.033085
0.033076
0.033067
0.033058
0.033049
0.033041
0.033032
0.033024
0.033016
2
0.047407
0.047220
0.047036
0.047422
0.047238
0.047059
0.047435
0.047256
0.047080
0.047448
0.047273
1
0.089302
0.090047
0.090791
0.089455
0.090182
0.088889
0.089600
0.090311
0.089043
0.089739
0.090435
 
 
Salario (UMA)
Plazo
(años)
13.1
13.2
13.3
13.4
13.5
13.6
13.7
13.8
13.9
14.0
14.1
30
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
29
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
28
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
27
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
26
0.010029
0.010033
0.010038
0.010019
0.010023
0.010028
0.010032
0.010036
0.010018
0.010022
0.010027
25
0.010101
0.010105
0.010085
0.010089
0.010093
0.010097
0.010101
0.010105
0.010086
0.010090
0.010094
24
0.010175
0.010178
0.010182
0.010185
0.010165
0.010168
0.010172
0.010175
0.010178
0.010182
0.010162
23
0.010249
0.010252
0.010255
0.010258
0.010261
0.010264
0.010267
0.010270
0.010249
0.010252
0.010255
22
0.010351
0.010353
0.010355
0.010357
0.010360
0.010362
0.010364
0.010366
0.010368
0.010370
0.010349
21
0.010480
0.010481
0.010483
0.010484
0.010485
0.010487
0.010463
0.010464
0.010466
0.010467
0.010469
20
0.010613
0.010613
0.010613
0.010614
0.010614
0.010615
0.010615
0.010615
0.010616
0.010616
0.010616
19
0.010749
0.010748
0.010747
0.010747
0.010746
0.010746
0.010745
0.010745
0.010744
0.010743
0.010743
18
0.010917
0.010943
0.010941
0.010939
0.010937
0.010935
0.010933
0.010931
0.010929
0.010927
0.010925
17
0.011119
0.011145
0.011141
0.011138
0.011134
0.011130
0.011127
0.011123
0.011120
0.011117
0.011141
16
0.011360
0.011355
0.011349
0.011374
0.011368
0.011363
0.011358
0.011352
0.011376
0.011371
0.011365
15
0.011644
0.011636
0.011628
0.011652
0.011644
0.011636
0.011629
0.011652
0.011644
0.011636
0.011629
14
0.011977
0.011966
0.011955
0.011944
0.011967
0.011956
0.011946
0.011967
0.011957
0.011947
0.011968
13
0.012329
0.012351
0.012336
0.012357
0.012343
0.012329
0.012349
0.012335
0.012356
0.012342
0.012328
12
0.012820
0.012800
0.012819
0.012800
0.012819
0.012800
0.012819
0.012800
0.012818
0.012800
0.012818
11
0.013350
0.013367
0.013342
0.013358
0.013375
0.013350
0.013366
0.013341
0.013357
0.013373
0.013349
10
0.014020
0.014033
0.014046
0.014059
0.014026
0.014039
0.014051
0.014019
0.014032
0.014044
0.014056
9
0.014918
0.014873
0.014881
0.014889
0.014897
0.014904
0.014912
0.014869
0.014876
0.014884
0.014891
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017394
0.017383
0.017371
0.017431
0.017419
0.017408
0.017397
0.017386
0.017375
0.017364
0.017421
6
0.019318
0.019288
0.019345
0.019315
0.019286
0.019342
0.019313
0.019284
0.019339
0.019310
0.019282
5
0.022063
0.022000
0.022052
0.021990
0.022041
0.022091
0.022030
0.022080
0.022020
0.022069
0.022010
4
0.026200
0.026236
0.026110
0.026146
0.026182
0.026217
0.026251
0.026130
0.026165
0.026199
0.026233
3
0.033270
0.033260
0.033250
0.033240
0.033231
0.033221
0.033212
0.033203
0.033194
0.033185
0.033176
2
0.047101
0.046933
0.047289
0.047121
0.046957
0.047304
0.047140
0.046979
0.047319
0.047158
0.047000
1
0.089191
0.089872
0.090553
0.089333
0.090000
0.090667
0.089469
0.090122
0.088960
0.089600
0.090240
 
 
Salario (UMA)
Plazo
(años)
14.2
14.3
14.4
14.5
14.6
14.7
14.8
14.9
15.0
15.1
15.2
30
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
29
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
28
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
27
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
26
0.010031
0.010035
0.010017
0.010022
0.010026
0.010030
0.010034
0.010038
0.010021
0.010025
0.010029
25
0.010098
0.010102
0.010105
0.010087
0.010091
0.010094
0.010098
0.010102
0.010105
0.010088
0.010091
24
0.010166
0.010169
0.010172
0.010175
0.010179
0.010182
0.010163
0.010166
0.010169
0.010173
0.010176
23
0.010257
0.010260
0.010263
0.010265
0.010268
0.010271
0.010251
0.010254
0.010256
0.010259
0.010262
22
0.010351
0.010353
0.010355
0.010357
0.010359
0.010361
0.010363
0.010365
0.010367
0.010369
0.010349
21
0.010470
0.010471
0.010473
0.010474
0.010475
0.010477
0.010478
0.010479
0.010480
0.010482
0.010483
20
0.010617
0.010593
0.010593
0.010594
0.010594
0.010595
0.010595
0.010596
0.010596
0.010596
0.010597
19
0.010768
0.010767
0.010766
0.010766
0.010765
0.010764
0.010764
0.010763
0.010762
0.010762
0.010761
18
0.010923
0.010921
0.010919
0.010918
0.010916
0.010940
0.010938
0.010936
0.010934
0.010932
0.010930
17
0.011137
0.011134
0.011130
0.011127
0.011124
0.011121
0.011117
0.011140
0.011137
0.011134
0.011130
16
0.011360
0.011355
0.011350
0.011373
0.011367
0.011362
0.011357
0.011352
0.011374
0.011369
0.011364
15
0.011651
0.011644
0.011636
0.011629
0.011651
0.011644
0.011636
0.011629
0.011622
0.011643
0.011636
14
0.011958
0.011948
0.011969
0.011959
0.011949
0.011969
0.011960
0.011950
0.011970
0.011960
0.011951
13
0.012348
0.012334
0.012354
0.012340
0.012327
0.012346
0.012333
0.012352
0.012339
0.012327
0.012345
12
0.012800
0.012818
0.012800
0.012818
0.012800
0.012817
0.012800
0.012817
0.012800
0.012817
0.012800
11
0.013365
0.013341
0.013357
0.013372
0.013349
0.013364
0.013341
0.013356
0.013370
0.013348
0.013363
10
0.014025
0.014037
0.014049
0.014018
0.014030
0.014042
0.014053
0.014024
0.014035
0.014047
0.014058
9
0.014898
0.014906
0.014913
0.014872
0.014879
0.014886
0.014893
0.014900
0.014907
0.014868
0.014875
8
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
0.016000
7
0.017410
0.017399
0.017389
0.017378
0.017368
0.017422
0.017412
0.017401
0.017391
0.017381
0.017371
6
0.019336
0.019308
0.019280
0.019333
0.019306
0.019279
0.019331
0.019304
0.019277
0.019328
0.019302
5
0.022058
0.022000
0.022048
0.021991
0.022038
0.022085
0.022028
0.022074
0.022018
0.022064
0.022009
4
0.026115
0.026149
0.026182
0.026215
0.026247
0.026133
0.026166
0.026198
0.026230
0.026119
0.026151
3
0.033168
0.033159
0.033151
0.033143
0.033135
0.033127
0.033119
0.033111
0.033103
0.033096
0.033088
2
0.047333
0.047175
0.047020
0.047347
0.047192
0.047040
0.047360
0.047208
0.047059
0.047373
0.047223
1
0.089098
0.089725
0.090353
0.089231
0.089846
0.090462
0.089358
0.089962
0.088889
0.089481
0.090074
 
 
Salario (UMA)
Plazo
(años)
15.3
15.4
15.5
15.6
15.7
15.8
15.9
16.0
16.1
16.2
16.3
30
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
29
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
28
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
27
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
26
0.010033
0.010037
0.010020
0.010024
0.010028
0.010032
0.010036
0.010020
0.010023
0.010027
0.010031
25
0.010095
0.010098
0.010102
0.010085
0.010088
0.010092
0.010095
0.010099
0.010102
0.010086
0.010089
24
0.010179
0.010182
0.010164
0.010167
0.010170
0.010173
0.010176
0.010179
0.010162
0.010165
0.010168
23
0.010264
0.010267
0.010269
0.010251
0.010253
0.010256
0.010258
0.010261
0.010263
0.010265
0.010268
22
0.010351
0.010353
0.010355
0.010357
0.010359
0.010361
0.010363
0.010364
0.010366
0.010368
0.010349
21
0.010484
0.010463
0.010464
0.010465
0.010467
0.010468
0.010469
0.010470
0.010472
0.010473
0.010474
20
0.010597
0.010598
0.010598
0.010599
0.010599
0.010600
0.010600
0.010600
0.010601
0.010601
0.010602
19
0.010760
0.010760
0.010759
0.010759
0.010758
0.010757
0.010757
0.010756
0.010756
0.010755
0.010755
18
0.010929
0.010927
0.010925
0.010923
0.010922
0.010920
0.010918
0.010917
0.010938
0.010937
0.010935
17
0.011127
0.011124
0.011121
0.011118
0.011140
0.011137
0.011133
0.011130
0.011127
0.011124
0.011122
16
0.011360
0.011355
0.011350
0.011371
0.011367
0.011362
0.011357
0.011353
0.011373
0.011368
0.011364
15
0.011629
0.011623
0.011643
0.011636
0.011630
0.011623
0.011643
0.011636
0.011630
0.011623
0.011643
14
0.011971
0.011961
0.011952
0.011971
0.011962
0.011953
0.011972
0.011963
0.011954
0.011945
0.011963
13
0.012332
0.012351
0.012338
0.012326
0.012344
0.012332
0.012350
0.012337
0.012355
0.012343
0.012331
12
0.012783
0.012800
0.012784
0.012800
0.012784
0.012800
0.012784
0.012800
0.012784
0.012800
0.012784
11
0.013341
0.013355
0.013369
0.013348
0.013362
0.013340
0.013354
0.013368
0.013347
0.013361
0.013340
10
0.014029
0.014040
0.014051
0.014022
0.014034
0.014044
0.014055
0.014027
0.014038
0.014049
0.014022
9
0.014881
0.014888
0.014895
0.014901
0.014908
0.014871
0.014877
0.014884
0.014890
0.014897
0.014903
8
0.016000
0.016000
0.016000
0.015949
0.015949
0.015950
0.015950
0.015950
0.015950
0.015951
0.015951
7
0.017423
0.017413
0.017404
0.017394
0.017384
0.017375
0.017365
0.017415
0.017405
0.017396
0.017387
6
0.019352
0.019325
0.019300
0.019349
0.019323
0.019298
0.019346
0.019321
0.019296
0.019343
0.019319
5
0.022054
0.022000
0.022044
0.021991
0.022035
0.022079
0.022026
0.022069
0.022017
0.022060
0.022008
4
0.026182
0.026213
0.026105
0.026136
0.026167
0.026197
0.026227
0.026122
0.026152
0.026182
0.026211
3
0.033081
0.033074
0.033067
0.033060
0.033053
0.033046
0.033039
0.033032
0.033026
0.033019
0.033223
2
0.047077
0.046933
0.047238
0.047094
0.046953
0.047252
0.047111
0.046972
0.047266
0.047127
0.046991
1
0.089018
0.089600
0.090182
0.089143
0.089714
0.090286
0.089263
0.089825
0.090386
0.089379
0.089931
 
 
Salario (UMA)
Plazo
(años)
16.4
16.5
16.6
16.7
16.8
16.9
17.0
17.1
17.2
17.3
17.4
30
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
29
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
28
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
27
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
26
0.010034
0.010019
0.010023
0.010026
0.010030
0.010033
0.010018
0.010022
0.010026
0.010029
0.010032
25
0.010092
0.010096
0.010099
0.010102
0.010086
0.010090
0.010093
0.010096
0.010099
0.010102
0.010087
24
0.010171
0.010173
0.010176
0.010179
0.010163
0.010165
0.010168
0.010171
0.010174
0.010176
0.010179
23
0.010250
0.010252
0.010255
0.010257
0.010260
0.010262
0.010264
0.010266
0.010250
0.010252
0.010254
22
0.010351
0.010353
0.010355
0.010357
0.010358
0.010360
0.010362
0.010364
0.010365
0.010367
0.010349
21
0.010475
0.010476
0.010477
0.010478
0.010480
0.010481
0.010482
0.010463
0.010464
0.010465
0.010466
20
0.010602
0.010602
0.010603
0.010603
0.010604
0.010604
0.010604
0.010605
0.010605
0.010605
0.010606
19
0.010754
0.010754
0.010753
0.010753
0.010752
0.010751
0.010751
0.010750
0.010750
0.010750
0.010749
18
0.010933
0.010932
0.010930
0.010928
0.010927
0.010925
0.010924
0.010922
0.010921
0.010919
0.010918
17
0.011119
0.011139
0.011136
0.011133
0.011130
0.011128
0.011125
0.011122
0.011119
0.011116
0.011136
16
0.011359
0.011355
0.011350
0.011370
0.011366
0.011361
0.011357
0.011353
0.011372
0.011368
0.011363
15
0.011636
0.011630
0.011624
0.011643
0.011636
0.011630
0.011624
0.011643
0.011636
0.011630
0.011624
14
0.011954
0.011946
0.011964
0.011955
0.011947
0.011965
0.011956
0.011948
0.011965
0.011957
0.011948
13
0.012348
0.012336
0.012353
0.012342
0.012330
0.012347
0.012336
0.012352
0.012341
0.012330
0.012346
12
0.012800
0.012785
0.012800
0.012785
0.012800
0.012785
0.012800
0.012785
0.012800
0.012785
0.012800
11
0.013354
0.013367
0.013347
0.013360
0.013340
0.013353
0.013366
0.013346
0.013359
0.013340
0.013353
10
0.014032
0.014043
0.014053
0.014026
0.014037
0.014047
0.014021
0.014031
0.014041
0.014051
0.014025
9
0.014909
0.014873
0.014880
0.014886
0.014892
0.014898
0.014904
0.014870
0.014876
0.014882
0.014888
8
0.015951
0.015952
0.015952
0.015952
0.015953
0.015953
0.015953
0.015953
0.015954
0.015954
0.015954
7
0.017377
0.017368
0.017416
0.017407
0.017398
0.017389
0.017380
0.017371
0.017418
0.017409
0.017400
6
0.019294
0.019341
0.019316
0.019292
0.019338
0.019314
0.019291
0.019336
0.019312
0.019289
0.019333
5
0.022050
0.022000
0.022041
0.021992
0.022033
0.022073
0.022024
0.022065
0.022016
0.022056
0.022008
4
0.026109
0.026139
0.026167
0.026196
0.026224
0.026126
0.026154
0.026182
0.026210
0.026113
0.026141
3
0.033215
0.033208
0.033200
0.033193
0.033185
0.033178
0.033171
0.033164
0.033157
0.033150
0.033143
2
0.047279
0.047143
0.047009
0.047292
0.047158
0.047026
0.047304
0.047172
0.047043
0.047316
0.047186
1
0.088949
0.089492
0.090034
0.089067
0.089600
0.090133
0.089180
0.089705
0.090230
0.089290
0.089806
 
 
Salario (UMA)
Plazo
(años)
17.5
17.6
17.7
17.8
17.9
18.0
18.1
18.2
18.3
18.4
18.5
30
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
29
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
28
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
27
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
26
0.010018
0.010021
0.010025
0.010028
0.010032
0.010017
0.010021
0.010024
0.010027
0.010031
0.010017
25
0.010090
0.010093
0.010096
0.010099
0.010102
0.010088
0.010091
0.010094
0.010097
0.010099
0.010085
24
0.010163
0.010166
0.010169
0.010171
0.010174
0.010177
0.010161
0.010164
0.010167
0.010169
0.010172
23
0.010256
0.010259
0.010261
0.010263
0.010265
0.010249
0.010251
0.010254
0.010256
0.010258
0.010260
22
0.010351
0.010353
0.010355
0.010356
0.010358
0.010360
0.010361
0.010363
0.010365
0.010366
0.010350
21
0.010467
0.010468
0.010470
0.010471
0.010472
0.010473
0.010474
0.010475
0.010476
0.010477
0.010478
20
0.010606
0.010606
0.010607
0.010607
0.010607
0.010608
0.010608
0.010608
0.010609
0.010609
0.010609
19
0.010749
0.010748
0.010748
0.010747
0.010747
0.010746
0.010746
0.010745
0.010745
0.010745
0.010744
18
0.010916
0.010936
0.010934
0.010933
0.010931
0.010930
0.010928
0.010927
0.010925
0.010924
0.010923
17
0.011133
0.011130
0.011128
0.011125
0.011122
0.011120
0.011117
0.011136
0.011133
0.011130
0.011128
16
0.011359
0.011355
0.011351
0.011369
0.011365
0.011361
0.011357
0.011353
0.011371
0.011367
0.011363
15
0.011642
0.011636
0.011630
0.011624
0.011642
0.011636
0.011631
0.011625
0.011642
0.011636
0.011631
14
0.011966
0.011958
0.011949
0.011966
0.011958
0.011950
0.011967
0.011959
0.011951
0.011967
0.011960
13
0.012335
0.012351
0.012340
0.012329
0.012345
0.012334
0.012350
0.012339
0.012328
0.012344
0.012333
12
0.012785
0.012800
0.012786
0.012800
0.012786
0.012800
0.012786
0.012800
0.012786
0.012800
0.012786
11
0.013365
0.013346
0.013358
0.013340
0.013352
0.013364
0.013346
0.013358
0.013339
0.013351
0.013363
10
0.014035
0.014045
0.014020
0.014030
0.014039
0.014049
0.014024
0.014034
0.014043
0.014019
0.014028
9
0.014894
0.014899
0.014905
0.014872
0.014878
0.014884
0.014889
0.014895
0.014901
0.014869
0.014874
8
0.015954
0.015955
0.015955
0.015955
0.015955
0.015956
0.015956
0.015956
0.015956
0.015957
0.015957
7
0.017391
0.017383
0.017374
0.017366
0.017410
0.017402
0.017393
0.017385
0.017377
0.017369
0.017412
6
0.019310
0.019288
0.019331
0.019308
0.019286
0.019329
0.019307
0.019285
0.019327
0.019305
0.019283
5
0.022047
0.022000
0.022039
0.021992
0.022031
0.022069
0.022023
0.022061
0.022015
0.022052
0.022007
4
0.026168
0.026195
0.026222
0.026128
0.026155
0.026182
0.026208
0.026117
0.026143
0.026169
0.026195
3
0.033136
0.033129
0.033123
0.033116
0.033110
0.033103
0.033097
0.033091
0.033085
0.033079
0.033073
2
0.047059
0.046933
0.047200
0.047074
0.046951
0.047213
0.047089
0.046968
0.047226
0.047104
0.046984
1
0.088889
0.089397
0.089905
0.089000
0.089500
0.090000
0.089108
0.089600
0.090092
0.089212
0.089697
 
 
Salario (UMA)
Plazo
(años)
18.6
18.7
18.8
18.9
19.0
19.1
19.2
19.3
19.4
19.5
19.6
30
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
29
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
28
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
27
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
26
0.010020
0.010023
0.010027
0.010030
0.010033
0.010020
0.010023
0.010026
0.010029
0.010032
0.010019
25
0.010088
0.010091
0.010094
0.010097
0.010100
0.010086
0.010089
0.010092
0.010094
0.010097
0.010100
24
0.010174
0.010177
0.010162
0.010165
0.010167
0.010170
0.010172
0.010175
0.010177
0.010163
0.010165
23
0.010262
0.010264
0.010249
0.010251
0.010253
0.010255
0.010257
0.010259
0.010261
0.010263
0.010265
22
0.010351
0.010353
0.010355
0.010356
0.010358
0.010359
0.010361
0.010362
0.010364
0.010365
0.010350
21
0.010479
0.010480
0.010463
0.010464
0.010465
0.010466
0.010467
0.010468
0.010469
0.010470
0.010471
20
0.010610
0.010610
0.010610
0.010611
0.010611
0.010593
0.010593
0.010593
0.010594
0.010594
0.010595
19
0.010744
0.010743
0.010743
0.010762
0.010761
0.010761
0.010760
0.010760
0.010759
0.010759
0.010758
18
0.010921
0.010920
0.010918
0.010917
0.010916
0.010934
0.010932
0.010931
0.010930
0.010928
0.010927
17
0.011125
0.011123
0.011120
0.011118
0.011136
0.011133
0.011130
0.011128
0.011125
0.011123
0.011121
16
0.011359
0.011355
0.011351
0.011368
0.011364
0.011361
0.011357
0.011353
0.011349
0.011366
0.011362
15
0.011625
0.011642
0.011636
0.011631
0.011625
0.011642
0.011636
0.011631
0.011625
0.011642
0.011636
14
0.011952
0.011944
0.011960
0.011953
0.011945
0.011961
0.011953
0.011946
0.011961
0.011954
0.011947
13
0.012349
0.012338
0.012328
0.012343
0.012333
0.012347
0.012337
0.012327
0.012342
0.012332
0.012346
12
0.012800
0.012786
0.012800
0.012786
0.012800
0.012787
0.012800
0.012787
0.012800
0.012787
0.012800
11
0.013345
0.013357
0.013339
0.013351
0.013363
0.013345
0.013357
0.013339
0.013351
0.013362
0.013345
10
0.014038
0.014047
0.014023
0.014032
0.014042
0.014018
0.014027
0.014036
0.014045
0.014022
0.014031
9
0.014880
0.014886
0.014891
0.014897
0.014902
0.014871
0.014877
0.014882
0.014887
0.014893
0.014898
8
0.015957
0.015957
0.015958
0.015958
0.015958
0.015958
0.015958
0.015959
0.015959
0.015959
0.015959
7
0.017404
0.017395
0.017387
0.017379
0.017371
0.017364
0.017405
0.017397
0.017389
0.017382
0.017374
6
0.019325
0.019303
0.019282
0.019323
0.019302
0.019281
0.019321
0.019300
0.019280
0.019319
0.019298
5
0.022044
0.022000
0.022037
0.021993
0.022029
0.022065
0.022022
0.022057
0.022014
0.022049
0.022007
4
0.026105
0.026131
0.026157
0.026182
0.026207
0.026120
0.026145
0.026169
0.026194
0.026109
0.026133
3
0.033067
0.033061
0.033055
0.033049
0.033043
0.033038
0.033032
0.033027
0.033021
0.033016
0.033185
2
0.047238
0.047118
0.047000
0.047250
0.047132
0.047015
0.047262
0.047145
0.047030
0.047273
0.047158
1
0.090182
0.089313
0.089791
0.088941
0.089412
0.089882
0.089043
0.089507
0.089971
0.089143
0.089600
 
 
Salario (UMA)
Plazo
(años)
19.7
19.8
19.9
20.0
20.1
20.2
20.3
20.4
20.5
20.6
20.7
30
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
29
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
28
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
27
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
26
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
0.010028
0.010031
0.010018
0.010021
25
0.010086
0.010089
0.010092
0.010095
0.010097
0.010100
0.010087
0.010090
0.010092
0.010095
0.010098
24
0.010168
0.010170
0.010173
0.010175
0.010177
0.010164
0.010166
0.010168
0.010171
0.010173
0.010175
23
0.010250
0.010252
0.010254
0.010256
0.010258
0.010260
0.010262
0.010264
0.010250
0.010252
0.010254
22
0.010351
0.010353
0.010354
0.010356
0.010357
0.010359
0.010360
0.010362
0.010363
0.010349
0.010350
21
0.010472
0.010473
0.010474
0.010475
0.010476
0.010476
0.010477
0.010478
0.010463
0.010463
0.010464
20
0.010595
0.010595
0.010596
0.010596
0.010596
0.010597
0.010597
0.010597
0.010598
0.010598
0.010598
19
0.010758
0.010757
0.010757
0.010756
0.010756
0.010755
0.010755
0.010755
0.010754
0.010754
0.010753
18
0.010925
0.010924
0.010923
0.010922
0.010920
0.010919
0.010918
0.010916
0.010933
0.010932
0.010931
17
0.011118
0.011135
0.011133
0.011130
0.011128
0.011126
0.011123
0.011121
0.011119
0.011116
0.011133
16
0.011359
0.011355
0.011351
0.011368
0.011364
0.011360
0.011357
0.011353
0.011349
0.011366
0.011362
15
0.011631
0.011626
0.011642
0.011636
0.011631
0.011626
0.011642
0.011636
0.011631
0.011626
0.011641
14
0.011962
0.011955
0.011947
0.011963
0.011955
0.011948
0.011963
0.011956
0.011949
0.011964
0.011957
13
0.012337
0.012327
0.012341
0.012331
0.012345
0.012336
0.012326
0.012340
0.012331
0.012345
0.012335
12
0.012787
0.012800
0.012787
0.012800
0.012787
0.012800
0.012787
0.012800
0.012788
0.012800
0.012788
11
0.013356
0.013339
0.013350
0.013361
0.013344
0.013355
0.013339
0.013350
0.013360
0.013344
0.013355
10
0.014040
0.014049
0.014026
0.014035
0.014044
0.014022
0.014030
0.014039
0.014047
0.014026
0.014034
9
0.014868
0.014873
0.014879
0.014884
0.014889
0.014894
0.014899
0.014870
0.014875
0.014880
0.014885
8
0.015959
0.015960
0.015960
0.015960
0.015960
0.015960
0.015961
0.015961
0.015961
0.015961
0.015961
7
0.017366
0.017407
0.017399
0.017391
0.017384
0.017376
0.017369
0.017408
0.017401
0.017393
0.017386
6
0.019278
0.019317
0.019297
0.019277
0.019315
0.019296
0.019333
0.019314
0.019294
0.019331
0.019312
5
0.022042
0.022000
0.022035
0.021993
0.022027
0.022061
0.022020
0.022054
0.022013
0.022047
0.022007
4
0.026158
0.026182
0.026206
0.026122
0.026146
0.026170
0.026194
0.026112
0.026135
0.026159
0.026182
3
0.033179
0.033173
0.033167
0.033161
0.033155
0.033149
0.033143
0.033137
0.033131
0.033126
0.033120
2
0.047045
0.046933
0.047170
0.047059
0.046949
0.047182
0.047072
0.046964
0.047194
0.047086
0.046979
1
0.090057
0.089239
0.089690
0.088889
0.089333
0.089778
0.088986
0.089425
0.089863
0.089081
0.089514
 
 
Salario (UMA)
Plazo
(años)
20.8
20.9
21.0
21.1
21.2
21.3
21.4
21.5
21.6
21.7
21.8
30
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
29
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
28
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
27
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
26
0.010024
0.010027
0.010030
0.010018
0.010021
0.010024
0.010026
0.010029
0.010017
0.010020
0.010023
25
0.010085
0.010087
0.010090
0.010093
0.010095
0.010098
0.010085
0.010088
0.010091
0.010093
0.010096
24
0.010162
0.010164
0.010166
0.010169
0.010171
0.010173
0.010175
0.010162
0.010165
0.010167
0.010169
23
0.010256
0.010258
0.010260
0.010261
0.010263
0.010250
0.010251
0.010253
0.010255
0.010257
0.010259
22
0.010351
0.010353
0.010354
0.010356
0.010357
0.010359
0.010360
0.010361
0.010363
0.010349
0.010350
21
0.010465
0.010466
0.010467
0.010468
0.010469
0.010470
0.010471
0.010472
0.010473
0.010474
0.010474
20
0.010599
0.010599
0.010599
0.010600
0.010600
0.010600
0.010601
0.010601
0.010601
0.010602
0.010602
19
0.010753
0.010752
0.010752
0.010752
0.010751
0.010751
0.010750
0.010750
0.010750
0.010749
0.010749
18
0.010929
0.010928
0.010927
0.010926
0.010924
0.010923
0.010922
0.010921
0.010919
0.010918
0.010917
17
0.011130
0.011128
0.011126
0.011124
0.011121
0.011119
0.011117
0.011133
0.011130
0.011128
0.011126
16
0.011358
0.011355
0.011351
0.011367
0.011363
0.011360
0.011357
0.011353
0.011350
0.011365
0.011362
15
0.011636
0.011631
0.011626
0.011641
0.011636
0.011631
0.011626
0.011641
0.011636
0.011631
0.011627
14
0.011950
0.011964
0.011957
0.011950
0.011965
0.011958
0.011951
0.011944
0.011958
0.011952
0.011945
13
0.012326
0.012339
0.012330
0.012344
0.012335
0.012348
0.012339
0.012330
0.012343
0.012334
0.012347
12
0.012800
0.012788
0.012800
0.012788
0.012800
0.012788
0.012800
0.012788
0.012800
0.012788
0.012800
11
0.013339
0.013349
0.013360
0.013344
0.013354
0.013339
0.013349
0.013359
0.013344
0.013354
0.013338
10
0.014042
0.014021
0.014029
0.014037
0.014046
0.014025
0.014033
0.014041
0.014020
0.014028
0.014036
9
0.014890
0.014895
0.014867
0.014872
0.014877
0.014882
0.014887
0.014892
0.014897
0.014869
0.014874
8
0.015962
0.015962
0.015962
0.015962
0.015962
0.015963
0.015963
0.015963
0.015963
0.015963
0.015963
7
0.017379
0.017371
0.017364
0.017402
0.017395
0.017388
0.017381
0.017374
0.017367
0.017404
0.017397
6
0.019293
0.019329
0.019310
0.019291
0.019328
0.019309
0.019290
0.019326
0.019307
0.019289
0.019324
5
0.022040
0.022000
0.022033
0.021993
0.022026
0.022058
0.022019
0.022051
0.022013
0.022044
0.022006
4
0.026205
0.026125
0.026148
0.026171
0.026193
0.026115
0.026137
0.026160
0.026182
0.026105
0.026127
3
0.033114
0.033109
0.033103
0.033098
0.033093
0.033087
0.033082
0.033077
0.033072
0.033067
0.033062
2
0.047206
0.047099
0.046993
0.047217
0.047111
0.047007
0.047228
0.047123
0.047020
0.047238
0.047135
1
0.089946
0.089173
0.089600
0.090027
0.089263
0.089684
0.088935
0.089351
0.089766
0.089026
0.089436
 
 
Salario (UMA)
Plazo
(años)
21.9
22.0
22.1
22.2
22.3
22.4
22.5
22.6
22.7
22.8
22.9
30
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
29
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
28
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
27
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
26
0.010026
0.010028
0.010017
0.010020
0.010022
0.010025
0.010028
0.010031
0.010019
0.010022
0.010025
25
0.010098
0.010086
0.010088
0.010091
0.010093
0.010096
0.010098
0.010086
0.010089
0.010091
0.010094
24
0.010171
0.010173
0.010176
0.010163
0.010165
0.010167
0.010169
0.010172
0.010174
0.010162
0.010164
23
0.010261
0.010262
0.010249
0.010251
0.010253
0.010255
0.010256
0.010258
0.010260
0.010262
0.010249
22
0.010352
0.010353
0.010354
0.010356
0.010357
0.010358
0.010360
0.010361
0.010362
0.010349
0.010350
21
0.010475
0.010476
0.010477
0.010462
0.010463
0.010464
0.010465
0.010466
0.010467
0.010468
0.010469
20
0.010602
0.010602
0.010603
0.010603
0.010603
0.010604
0.010604
0.010604
0.010604
0.010605
0.010605
19
0.010748
0.010748
0.010748
0.010747
0.010747
0.010747
0.010746
0.010746
0.010746
0.010745
0.010745
18
0.010916
0.010932
0.010930
0.010929
0.010928
0.010927
0.010926
0.010924
0.010923
0.010922
0.010921
17
0.011124
0.011122
0.011119
0.011117
0.011133
0.011130
0.011128
0.011126
0.011124
0.011122
0.011120
16
0.011358
0.011355
0.011352
0.011366
0.011363
0.011360
0.011356
0.011353
0.011350
0.011364
0.011361
15
0.011641
0.011636
0.011632
0.011627
0.011622
0.011636
0.011632
0.011627
0.011622
0.011636
0.011632
14
0.011959
0.011952
0.011946
0.011960
0.011953
0.011947
0.011960
0.011954
0.011947
0.011961
0.011954
13
0.012338
0.012329
0.012342
0.012333
0.012346
0.012337
0.012329
0.012341
0.012333
0.012345
0.012337
12
0.012788
0.012800
0.012788
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
11
0.013349
0.013359
0.013343
0.013353
0.013338
0.013348
0.013358
0.013343
0.013353
0.013338
0.013348
10
0.014044
0.014024
0.014032
0.014040
0.014020
0.014027
0.014035
0.014043
0.014023
0.014031
0.014038
9
0.014879
0.014884
0.014888
0.014893
0.014898
0.014871
0.014876
0.014881
0.014885
0.014890
0.014894
8
0.015964
0.015964
0.015964
0.015964
0.015964
0.015964
0.015965
0.015965
0.015965
0.015965
0.015965
7
0.017390
0.017383
0.017376
0.017369
0.017405
0.017398
0.017391
0.017385
0.017378
0.017371
0.017365
6
0.019306
0.019288
0.019322
0.019304
0.019286
0.019321
0.019303
0.019285
0.019319
0.019302
0.019284
5
0.022038
0.022000
0.022031
0.021994
0.022025
0.022055
0.022018
0.022049
0.022012
0.022042
0.022006
4
0.026149
0.026171
0.026193
0.026118
0.026139
0.026161
0.026182
0.026108
0.026129
0.026151
0.026171
3
0.033057
0.033052
0.033047
0.033042
0.033037
0.033032
0.033028
0.033023
0.033018
0.033164
0.033158
2
0.047034
0.046933
0.047147
0.047046
0.046947
0.047158
0.047059
0.046961
0.047169
0.047071
0.046974
1
0.089846
0.089114
0.089519
0.089924
0.089200
0.089600
0.088889
0.089284
0.089679
0.088976
0.089366
 
 
Salario (UMA)
Plazo
(años)
23.0
23.1
23.2
23.3
23.4
23.5
23.6
23.7
23.8
23.9
24.0
30
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
29
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
28
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
27
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
26
0.010027
0.010030
0.010019
0.010022
0.010024
0.010027
0.010029
0.010018
0.010021
0.010024
0.010026
25
0.010096
0.010085
0.010087
0.010089
0.010092
0.010094
0.010096
0.010085
0.010087
0.010090
0.010092
24
0.010166
0.010168
0.010170
0.010172
0.010174
0.010162
0.010164
0.010166
0.010168
0.010170
0.010172
23
0.010251
0.010252
0.010254
0.010256
0.010258
0.010259
0.010261
0.010263
0.010250
0.010252
0.010254
22
0.010352
0.010353
0.010354
0.010356
0.010357
0.010358
0.010359
0.010361
0.010362
0.010349
0.010350
21
0.010469
0.010470
0.010471
0.010472
0.010473
0.010474
0.010474
0.010475
0.010476
0.010462
0.010463
20
0.010605
0.010605
0.010606
0.010606
0.010606
0.010606
0.010607
0.010607
0.010607
0.010593
0.010593
19
0.010745
0.010744
0.010744
0.010744
0.010743
0.010743
0.010743
0.010757
0.010757
0.010757
0.010756
18
0.010920
0.010919
0.010918
0.010917
0.010931
0.010930
0.010929
0.010928
0.010927
0.010926
0.010925
17
0.011118
0.011133
0.011130
0.011128
0.011126
0.011124
0.011122
0.011120
0.011118
0.011116
0.011130
16
0.011358
0.011355
0.011352
0.011366
0.011363
0.011360
0.011356
0.011353
0.011350
0.011364
0.011361
15
0.011627
0.011623
0.011636
0.011632
0.011627
0.011623
0.011636
0.011632
0.011627
0.011623
0.011636
14
0.011948
0.011961
0.011955
0.011949
0.011962
0.011955
0.011949
0.011962
0.011956
0.011950
0.011944
13
0.012328
0.012341
0.012332
0.012344
0.012336
0.012328
0.012340
0.012332
0.012344
0.012335
0.012327
12
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
0.012789
0.012800
11
0.013358
0.013343
0.013353
0.013338
0.013348
0.013357
0.013343
0.013352
0.013338
0.013347
0.013357
10
0.014019
0.014027
0.014034
0.014041
0.014022
0.014030
0.014037
0.014018
0.014026
0.014033
0.014040
9
0.014869
0.014873
0.014878
0.014882
0.014887
0.014891
0.014895
0.014871
0.014875
0.014879
0.014884
8
0.015965
0.015965
0.015966
0.015966
0.015966
0.015966
0.015966
0.015966
0.015966
0.015967
0.015967
7
0.017400
0.017393
0.017386
0.017380
0.017374
0.017367
0.017401
0.017394
0.017388
0.017382
0.017376
6
0.019318
0.019300
0.019283
0.019316
0.019299
0.019282
0.019315
0.019298
0.019281
0.019313
0.019296
5
0.022036
0.022000
0.022030
0.021994
0.022024
0.022053
0.022017
0.022047
0.022012
0.022040
0.022006
4
0.026192
0.026120
0.026141
0.026161
0.026182
0.026111
0.026131
0.026152
0.026172
0.026192
0.026122
3
0.033153
0.033148
0.033143
0.033138
0.033133
0.033128
0.033123
0.033118
0.033113
0.033108
0.033103
2
0.047179
0.047083
0.046987
0.047190
0.047094
0.047000
0.047200
0.047106
0.047012
0.047210
0.047117
1
0.089756
0.089060
0.089446
0.089831
0.089143
0.089524
0.089905
0.089224
0.089600
0.088930
0.089302
 
 
Salario (UMA)
Plazo
(años)
24.1
24.2
24.3
24.4
24.5
24.6
24.7
24.8
24.9
25.0
30
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
29
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
28
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
27
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
26
0.010029
0.010018
0.010021
0.010023
0.010026
0.010028
0.010018
0.010020
0.010023
0.010025
25
0.010094
0.010096
0.010086
0.010088
0.010090
0.010092
0.010095
0.010097
0.010086
0.010088
24
0.010174
0.010163
0.010165
0.010167
0.010169
0.010171
0.010172
0.010161
0.010163
0.010165
23
0.010255
0.010257
0.010259
0.010260
0.010262
0.010250
0.010252
0.010253
0.010255
0.010256
22
0.010352
0.010353
0.010354
0.010355
0.010357
0.010358
0.010359
0.010360
0.010362
0.010349
21
0.010464
0.010465
0.010466
0.010466
0.010467
0.010468
0.010469
0.010470
0.010470
0.010471
20
0.010593
0.010594
0.010594
0.010594
0.010595
0.010595
0.010595
0.010595
0.010596
0.010596
19
0.010756
0.010756
0.010755
0.010755
0.010754
0.010754
0.010754
0.010753
0.010753
0.010753
18
0.010924
0.010922
0.010921
0.010920
0.010919
0.010918
0.010917
0.010916
0.010930
0.010929
17
0.011128
0.011126
0.011124
0.011123
0.011121
0.011119
0.011117
0.011130
0.011128
0.011127
16
0.011358
0.011355
0.011352
0.011365
0.011362
0.011359
0.011356
0.011353
0.011350
0.011364
15
0.011632
0.011628
0.011623
0.011636
0.011632
0.011628
0.011624
0.011636
0.011632
0.011628
14
0.011957
0.011951
0.011945
0.011957
0.011951
0.011945
0.011958
0.011952
0.011946
0.011958
13
0.012339
0.012331
0.012343
0.012335
0.012327
0.012339
0.012331
0.012342
0.012334
0.012327
12
0.012789
0.012800
0.012789
0.012800
0.012790
0.012800
0.012790
0.012800
0.012790
0.012800
11
0.013343
0.013352
0.013338
0.013347
0.013356
0.013342
0.013351
0.013338
0.013347
0.013356
10
0.014022
0.014029
0.014036
0.014043
0.014025
0.014032
0.014039
0.014021
0.014028
0.014035
9
0.014888
0.014892
0.014868
0.014872
0.014877
0.014881
0.014885
0.014889
0.014893
0.014870
8
0.015967
0.015967
0.015967
0.015967
0.015967
0.015968
0.015968
0.015968
0.015968
0.015968
7
0.017369
0.017363
0.017396
0.017390
0.017384
0.017377
0.017371
0.017365
0.017397
0.017391
6
0.019280
0.019312
0.019295
0.019279
0.019310
0.019294
0.019278
0.019309
0.019293
0.019277
5
0.022034
0.022000
0.022028
0.021994
0.022022
0.022050
0.022017
0.022044
0.022011
0.022039
4
0.026142
0.026162
0.026182
0.026114
0.026133
0.026153
0.026172
0.026105
0.026125
0.026144
3
0.033099
0.033094
0.033089
0.033085
0.033080
0.033076
0.033071
0.033067
0.033062
0.033058
2
0.047024
0.046933
0.047127
0.047036
0.046946
0.047138
0.047048
0.046959
0.047148
0.047059
1
0.089674
0.089011
0.089379
0.089747
0.089091
0.089455
0.089818
0.089169
0.089528
0.088889
 
G.    Términos.
1.     Cuota Mensual de Amortización del Crédito.
Para determinar la Cuota Mensual de Amortización del Crédito se multiplicará el monto de crédito a otorgar por el factor de descuento que le corresponda, considerando el plazo del crédito de acuerdo a la Tabla de Factores de Pago que se establecen en el presente Anexo.
El Instituto también incorporará en el importe de la Cuota Mensual de Amortización el importe correspondiente a la amortización del crédito otorgado para Ecotecnologías, según la cuota mensual que se establece en las Tablas para Ecotecnologías que se establecen en el ANEXO 5.
2.     Suma de Pago Personal
La Suma de Pago Personal se determinará como hasta el treinta y dos por ciento del salario del trabajador al momento de la inscripción de la solicitud de crédito para pago de principal e intereses del crédito hipotecario, multiplicando el monto de crédito a otorgar por el factor de descuento correspondiente de acuerdo a la Tabla de Factores de Descuento del Crédito. La diferencia, que en su caso hubiera entre la Suma de Pago Personal y la Cuota Mensual de Amortización del Crédito será cubierta por el Infonavit mediante una bonificación para ser aplicada como complemento al pago hasta que la Suma de Pago Personal sea Igual a la Cuota Mensual de Amortización del Crédito.
En caso de que la Suma de Pago Personal sea superior a la Cuota Mensual de Amortización del Crédito, en los créditos otorgados a trabajadores que al momento de originación tuvieran un ingreso de igual a menor a 6.5 UMMA, la Suma de Pago Personal podrá reducirse hasta ser igual a la Cuota de Amortización del Crédito, siempre y cuando no se haya aplicado lo estipulado en el último párrafo de la regla octava.
En el caso de los créditos otorgados a trabajadores derechohabientes que tuvieren, al momento de la expedición de la constancia de crédito, un salario mensual igual o menor a 6.5 UMMA, la Suma de Pago Personal se incrementará anualmente en un monto igual al 2.5% del importe de la Suma de Pago Personal correspondiente al año inmediato anterior al año en que proceda efectuar la actualización.
En el caso de los créditos otorgados a trabajadores derechohabientes que tuvieren, al momento de la
expedición de la constancia de crédito, un salario mensual superior a 6.5 UMMA, la Suma de Pago Personal se incrementará anualmente en un monto igual al 0.65% del importe de la Suma de Pago Personal correspondiente al año inmediato anterior al año en que proceda efectuar la actualización.
3.     Gastos de Titulación, Financieros y de Operación.
Por concepto de gastos de titulación, financieros y de operación se descontará el tres por ciento del monto de crédito a otorgar al trabajador.
4.     Cuota de Administración.
Por concepto de gastos de administración del crédito, así como de un seguro de daños sobre la solución habitacional adquirida, el trabajador realizará mensualmente un pago de acuerdo a lo dispuesto en la siguiente tabla:
Salario del Trabajador
Porcentaje
aplicable
Límite Inferior
Límite Superior
Desde 1.0 UMMA
Hasta 2.6 UMMA
0.0%
Mayor a 2.6 UMMA
Hasta 6.5 UMMA
0.3%
Mayor a 6.5 UMMA
Hasta 25.0 UMMA
1.0%
 
El pago establecido se determinará sobre el saldo insoluto del crédito y el salario del trabajador se considerará al momento de la originación del crédito.
ANEXO 3.
Términos y requisitos aplicables al segundo crédito, en términos del artículo 47 de la Ley de Infonavit.
A.    Sistema de Asignación de Segundo Crédito.
El Infonavit asignará el segundo crédito con base en los planes de labores y de financiamiento aprobados por la Asamblea General, a todos los trabajadores que hayan liquidado su primer crédito Infonavit sin quebrantos o incumplimientos seis meses antes de realizar la solicitud de crédito y que cuenten, por lo menos, con dos años de cotización continua.
B.    Montos Máximos de Crédito, Tasas de Interés y Factores de Descuento.
La tasa de interés de los segundos créditos será fijada anualmente como resultado de la subasta pública que se realice entre las entidades financieras participantes y con base en esta tasa de interés se determinarán los montos máximos de crédito y los factores de descuento.
C.    Requisitos adicionales.
El Instituto otorgará un segundo crédito siempre y cuando transfiera un porcentaje del crédito otorgado a una entidad financiera y el derechohabiente cumpla con los criterios de elegibilidad que el Instituto convenga con ésta. Dichos criterios se deberán dar a conocer a los derechohabientes en el sitio de internet del Instituto y en ningún caso serán más restrictivos que los que dichas entidades apliquen al otorgamiento de sus créditos en cofinanciamiento con el Instituto.
D.    Gastos de Titulación, Financieros y de Operación.
Por concepto de gastos de titulación, financieros y de operación se descontará el cinco por ciento del monto de crédito a otorgar al trabajador.
ANEXO 4.
Puntuación por factores de edad y salario del trabajador.
 
Salario (UMMA)
Edad /Años
1.0 a 2.6
2.7 a 3.6
3.7 a 5.2
5.3 a 6.7
6.8 a 11.0
11.1 o más
Hasta 17
30
31
32
34
39
40
18 a 20
56
57
58
60
65
66
21 a 34
60
61
62
64
69
70
35 a 42
63
64
65
67
72
73
43 a 49
66
67
68
70
75
76
50 o más
51
52
53
55
60
61
 
ANEXO 5.
A.    Tabla de monto de crédito por la presencia de ecotecnologías.
 
Salario (UMA)
Plazo
(años)
1.
0
1.
1
1.
2
1.
3
1.
4
1.
5
1.
6
1.
7
1.
8
1.
9
2.
0
2.
1
2.
2
2.
3
2.
4
2.
5
2.
6
2.
7
2.
8
2.
9
3.
0
3.
1
3.
2
3.
3
3.
4
3.
5
30
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
6
6
6
6
29
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
6
6
6
6
28
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
6
6
6
6
27
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
6
6
6
6
26
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
6
6
6
6
25
0
2
2
2
2
2
2
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
5
6
6
6
24
0
2
2
2
2
2
2
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
5
6
6
6
23
0
2
2
2
2
2
2
3
3
3
3
3
4
4
4
4
4
4
5
5
5
5
5
6
6
6
22
0
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
5
6
6
21
0
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
5
6
6
20
0
0
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
4
5
5
5
5
5
6
6
19
0
0
2
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
5
5
5
5
5
5
6
18
0
0
2
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
4
5
5
5
5
5
5
17
0
0
0
2
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
4
5
5
5
5
5
16
0
0
0
2
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
4
5
5
5
5
5
15
0
0
0
2
2
2
2
2
2
2
3
3
3
3
3
3
4
4
4
4
4
4
5
5
5
5
14
0
0
0
0
2
2
2
2
2
2
3
3
3
3
3
3
3
4
4
4
4
4
4
5
5
5
13
0
0
0
0
2
2
2
2
2
2
2
3
3
3
3
3
3
3
4
4
4
4
4
4
4
5
12
0
0
0
0
0
2
2
2
2
2
2
2
3
3
3
3
3
3
3
4
4
4
4
4
4
4
11
0
0
0
0
0
0
2
2
2
2
2
2
2
3
3
3
3
3
3
3
3
4
4
4
4
4
10
0
0
0
0
0
0
0
2
2
2
2
2
2
2
2
3
3
3
3
3
3
3
3
4
4
4
9
0
0
0
0
0
0
0
0
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
3
3
3
8
0
0
0
0
0
0
0
0
0
0
2
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
7
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
2
2
2
2
2
2
2
2
2
3
3
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
2
2
2
2
2
2
2
5
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
2
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
3.
6
3.
7
3.
8
3.
9
4.
0
4.
1
4.
2
4.
3
4.
4
4.
5
4.
6
4.
7
4.
8
4.
9
5.
0
5.
1
5.
2
5.
3
5.
4
5.
5
5.
6
5.
7
5.
8
5.
9
6.
0
6.
1
30
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
11
11
11
29
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
11
11
11
28
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
11
11
11
27
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
11
11
11
26
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
11
11
11
25
6
6
7
7
7
7
7
8
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
11
11
11
24
6
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
11
11
23
6
6
6
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
9
10
10
10
10
10
11
11
22
6
6
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
9
10
10
10
10
10
11
21
6
6
6
6
7
7
7
7
7
8
8
8
8
8
8
9
9
9
9
9
10
10
10
10
10
10
20
6
6
6
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
9
10
10
10
10
10
19
6
6
6
6
6
7
7
7
7
7
7
8
8
8
8
8
9
9
9
9
9
9
10
10
10
10
18
6
6
6
6
6
6
7
7
7
7
7
8
8
8
8
8
8
9
9
9
9
9
9
10
10
10
17
5
6
6
6
6
6
6
7
7
7
7
7
7
8
8
8
8
8
8
9
9
9
9
9
9
10
16
5
6
6
6
6
6
6
6
7
7
7
7
7
7
8
8
8
8
8
8
9
9
9
9
9
9
15
5
5
5
6
6
6
6
6
6
7
7
7
7
7
7
8
8
8
8
8
8
8
9
9
9
9
14
5
5
5
5
6
6
6
6
6
6
7
7
7
7
7
7
7
8
8
8
8
8
8
8
9
9
13
5
5
5
5
5
5
6
6
6
6
6
6
7
7
7
7
7
7
7
8
8
8
8
8
8
8
12
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
7
7
7
7
7
7
7
8
8
8
8
11
4
4
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
7
7
7
7
7
7
7
8
10
4
4
4
4
4
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
7
7
7
7
7
9
4
4
4
4
4
4
4
4
4
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
6
8
3
3
3
3
4
4
4
4
4
4
4
4
4
5
5
5
5
5
5
5
5
5
5
6
6
6
7
3
3
3
3
3
3
3
3
3
4
4
4
4
4
4
4
4
4
4
4
5
5
5
5
5
5
6
2
2
2
2
3
3
3
3
3
3
3
3
3
3
3
3
3
4
4
4
4
4
4
4
4
4
5
2
2
2
2
2
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
3
3
3
3
3
3
4
0
0
0
0
0
0
0
0
0
0
0
0
2
2
2
2
2
2
2
2
2
2
2
2
2
2
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
6.
2
6.
3
6.
4
6.
5
6.
6
6.
7
6.
8
6.
9
7.
0
7.
1
7.
2
7.
3
7.
4
7.
5
7.
6
7.
7
7.
8
7.
9
8.
0
8.
1
8.
2
8.
3
8.
4
8.
5
8.
6
8.
7
30
11
11
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
14
15
15
15
15
15
16
16
16
29
11
11
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
14
15
15
15
15
15
16
16
16
28
11
11
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
14
15
15
15
15
15
16
16
16
27
11
11
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
14
15
15
15
15
15
16
16
16
26
11
11
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
14
15
15
15
15
15
16
16
16
25
11
11
11
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
14
15
15
15
15
15
16
16
24
11
11
11
12
12
12
12
12
12
13
13
13
13
13
14
14
14
14
14
15
15
15
15
15
15
16
23
11
11
11
11
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
14
15
15
15
15
15
15
22
11
11
11
11
11
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
14
15
15
15
15
15
21
11
11
11
11
11
12
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
14
15
15
15
15
20
10
11
11
11
11
11
12
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
14
15
15
15
19
10
10
11
11
11
11
11
11
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
14
14
15
18
10
10
10
11
11
11
11
11
11
12
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
14
17
10
10
10
10
10
11
11
11
11
11
11
12
12
12
12
12
12
13
13
13
13
13
13
14
14
14
16
10
10
10
10
10
10
11
11
11
11
11
11
12
12
12
12
12
12
12
13
13
13
13
13
13
14
15
9
9
10
10
10
10
10
10
11
11
11
11
11
11
11
12
12
12
12
12
12
13
13
13
13
13
14
9
9
9
9
10
10
10
10
10
10
10
11
11
11
11
11
11
12
12
12
12
12
12
12
13
13
13
9
9
9
9
9
9
9
10
10
10
10
10
10
10
11
11
11
11
11
11
11
12
12
12
12
12
12
8
8
8
9
9
9
9
9
9
9
10
10
10
10
10
10
10
11
11
11
11
11
11
11
11
12
11
8
8
8
8
8
8
8
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
11
11
11
11
10
7
7
7
7
8
8
8
8
8
8
8
8
9
9
9
9
9
9
9
9
10
10
10
10
10
10
9
7
7
7
7
7
7
7
7
7
8
8
8
8
8
8
8
8
8
9
9
9
9
9
9
9
9
8
6
6
6
6
6
6
6
7
7
7
7
7
7
7
7
7
7
8
8
8
8
8
8
8
8
8
7
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
7
7
7
7
7
7
7
7
7
7
6
4
4
4
4
5
5
5
5
5
5
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
5
3
3
3
3
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
5
5
5
5
4
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
8.8
8.9
9.0
9.1
9.2
9.3
9.4
9.5
9.6
9.7
9.8
9.9
10.0
10.1
10.2
10.3
10.4
10.5
10.6
10.7
10.8
10.9
11.0
11.1
11.2
11.3
30
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
20
20
29
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
20
20
28
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
20
20
27
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
20
20
26
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
20
20
25
16
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
20
24
16
16
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
20
23
16
16
16
16
16
17
17
17
17
17
18
18
18
18
18
18
19
19
19
19
19
20
20
20
20
20
22
15
16
16
16
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
19
20
20
20
21
15
15
16
16
16
16
16
17
17
17
17
17
17
18
18
18
18
18
19
19
19
19
19
19
20
20
20
15
15
15
16
16
16
16
16
16
17
17
17
17
17
18
18
18
18
18
18
19
19
19
19
19
19
19
15
15
15
15
15
16
16
16
16
16
17
17
17
17
17
17
18
18
18
18
18
18
19
19
19
19
18
14
15
15
15
15
15
16
16
16
16
16
16
17
17
17
17
17
17
18
18
18
18
18
18
19
19
17
14
14
14
15
15
15
15
15
15
16
16
16
16
16
16
17
17
17
17
17
17
18
18
18
18
18
16
14
14
14
14
14
15
15
15
15
15
15
16
16
16
16
16
16
17
17
17
17
17
17
18
18
18
15
13
14
14
14
14
14
14
14
15
15
15
15
15
15
16
16
16
16
16
16
17
17
17
17
17
17
14
13
13
13
13
14
14
14
14
14
14
14
15
15
15
15
15
15
15
16
16
16
16
16
16
17
17
13
12
13
13
13
13
13
13
13
14
14
14
14
14
14
14
15
15
15
15
15
15
15
16
16
16
16
12
12
12
12
12
12
12
13
13
13
13
13
13
13
14
14
14
14
14
14
14
15
15
15
15
15
15
11
11
11
11
11
12
12
12
12
12
12
12
13
13
13
13
13
13
13
13
14
14
14
14
14
14
14
10
10
10
11
11
11
11
11
11
11
11
12
12
12
12
12
12
12
12
13
13
13
13
13
13
13
13
9
9
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
11
11
12
12
12
12
12
12
12
12
8
9
9
9
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
7
7
8
8
8
8
8
8
8
8
8
8
8
8
9
9
9
9
9
9
9
9
9
9
9
10
10
6
6
6
6
6
6
7
7
7
7
7
7
7
7
7
7
7
7
7
8
8
8
8
8
8
8
8
5
5
5
5
5
5
5
5
5
5
5
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
4
3
3
3
3
3
3
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
3
0
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
11.4
11.5
11.6
11.7
11.8
11.9
12.0
12.1
12.2
12.3
12.4
12.5
12.6
12.7
12.8
12.9
13.0
13.1
13.2
13.3
13.4
13.5
13.6
13.7
13.8
13.9
30
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
29
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
28
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
27
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
26
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
25
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
24
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
23
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
22
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
21
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
18
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
17
18
19
19
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
16
18
18
18
19
19
19
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
17
18
18
18
18
18
18
19
19
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
14
17
17
17
17
17
18
18
18
18
18
18
19
19
19
19
19
19
19
20
20
20
20
20
20
20
20
13
16
16
16
17
17
17
17
17
17
17
18
18
18
18
18
18
19
19
19
19
19
19
19
20
20
20
12
15
16
16
16
16
16
16
16
17
17
17
17
17
17
17
17
18
18
18
18
18
18
18
19
19
19
11
15
15
15
15
15
15
15
15
16
16
16
16
16
16
16
16
17
17
17
17
17
17
17
18
18
18
10
14
14
14
14
14
14
14
14
15
15
15
15
15
15
15
15
15
16
16
16
16
16
16
16
16
17
9
12
13
13
13
13
13
13
13
13
13
14
14
14
14
14
14
14
14
14
15
15
15
15
15
15
15
8
11
11
11
11
12
12
12
12
12
12
12
12
12
12
13
13
13
13
13
13
13
13
13
14
14
14
7
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
11
11
11
11
11
12
12
12
12
12
12
6
8
8
8
8
8
9
9
9
9
9
9
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
5
6
6
6
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
8
8
8
8
8
8
8
4
4
4
4
4
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
3
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
3
3
3
3
3
3
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
14.0
14.1
14.2
14.3
14.4
14.5
14.6
14.7
14.8
14.9
15.0
15.1
15.2
15.3
15.4
15.5
15.6
15.7
15.8
15.9
16.0
16.1
16.2
16.3
16.4
16.5
30
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
29
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
28
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
27
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
26
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
25
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
24
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
23
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
22
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
21
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
18
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
17
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
16
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
14
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
13
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
12
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
11
18
18
18
18
18
19
19
19
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
10
17
17
17
17
17
17
17
18
18
18
18
18
18
18
18
19
19
19
19
19
19
19
19
20
20
20
9
15
15
16
16
16
16
16
16
16
16
16
17
17
17
17
17
17
17
17
18
18
18
18
18
18
18
8
14
14
14
14
14
14
14
15
15
15
15
15
15
15
15
15
15
16
16
16
16
16
16
16
16
16
7
12
12
12
12
12
13
13
13
13
13
13
13
13
13
13
13
14
14
14
14
14
14
14
14
14
14
6
10
10
10
10
10
11
11
11
11
11
11
11
11
11
11
11
11
11
11
12
12
12
12
12
12
12
5
8
8
8
8
8
8
8
8
8
8
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
4
5
5
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
6
7
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
16.6
16.7
16.8
16.9
17.0
17.1
17.2
17.3
17.4
17.5
17.6
17.7
17.8
17.9
18.0
18.1
18.2
18.3
18.4
18.5
18.6
18.7
18.8
18.9
19.0
19.1
30
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
29
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
28
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
27
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
26
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
25
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
24
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
23
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
22
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
21
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
18
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
17
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
16
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
14
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
13
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
12
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
11
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
10
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
9
18
18
19
19
19
19
19
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
8
16
17
17
17
17
17
17
17
17
17
18
18
18
18
18
18
18
18
18
18
19
19
19
19
19
19
7
14
15
15
15
15
15
15
15
15
15
15
15
16
16
16
16
16
16
16
16
16
16
16
16
17
17
6
12
12
12
12
12
12
13
13
13
13
13
13
13
13
13
13
13
13
13
14
14
14
14
14
14
14
5
9
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
10
11
11
11
11
11
11
11
11
11
4
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
8
8
8
3
3
3
3
3
3
3
3
3
3
3
3
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
19.2
19.3
19.4
19.5
19.6
19.7
19.8
19.9
20.0
20.1
20.2
20.3
20.4
20.5
20.6
20.7
20.8
20.9
21.0
21.1
21.2
21.3
21.4
21.5
21.6
21.7
30
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
29
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
28
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
27
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
26
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
25
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
24
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
23
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
22
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
21
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
18
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
17
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
16
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
14
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
13
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
12
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
11
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
10
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
9
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
8
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
7
17
17
17
17
17
17
17
17
17
18
18
18
18
18
18
18
18
18
18
18
19
19
19
19
19
19
6
14
14
14
14
14
14
15
15
15
15
15
15
15
15
15
15
15
15
15
16
16
16
16
16
16
16
5
11
11
11
11
11
11
11
11
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12
13
13
4
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
8
9
9
9
9
9
9
3
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
4
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
21.8
21.9
22.0
22.1
22.2
22.3
22.4
22.5
22.6
22.7
22.8
22.9
23.0
23.1
23.2
23.3
23.4
23.5
23.6
23.7
23.8
23.9
24.0
24.1
24.2
24.3
30
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
29
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
28
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
27
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
26
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
25
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
24
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
23
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
22
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
21
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
18
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
17
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
16
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
15
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
14
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
13
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
12
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
11
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
10
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
9
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
8
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
7
19
19
19
19
19
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
6
16
16
16
16
16
16
17
17
17
17
17
17
17
17
17
17
17
17
17
17
18
18
18
18
18
18
5
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
14
14
14
14
14
14
14
14
14
14
14
4
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
9
10
10
10
10
10
10
10
10
3
4
4
4
4
4
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
 
 
Salario (UMA)
Plazo
(años)
24.4
24.5
24.6
24.7
24.8
24.9
25.0
30
20
20
20
20
20
20
20
29
20
20
20
20
20
20
20
28
20
20
20
20
20
20
20
27
20
20
20
20
20
20
20
26
20
20
20
20
20
20
20
25
20
20
20
20
20
20
20
24
20
20
20
20
20
20
20
23
20
20
20
20
20
20
20
22
20
20
20
20
20
20
20
21
20
20
20
20
20
20
20
20
20
20
20
20
20
20
20
19
20
20
20
20
20
20
20
18
20
20
20
20
20
20
20
17
20
20
20
20
20
20
20
16
20
20
20
20
20
20
20
15
20
20
20
20
20
20
20
14
20
20
20
20
20
20
20
13
20
20
20
20
20
20
20
12
20
20
20
20
20
20
20
11
20
20
20
20
20
20
20
10
20
20
20
20
20
20
20
9
20
20
20
20
20
20
20
8
20
20
20
20
20
20
20
7
20
20
20
20
20
20
20
6
18
18
18
18
18
18
18
5
14
14
14
14
14
14
15
4
10
10
10
10
10
10
10
3
5
5
5
5
5
5
5
2
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
 
B.    Tabla de factores de descuento para amortización por la presencia de ecotecnologías.
Plazo (años)
Factor
30
0.010567
29
0.010567
28
0.010567
27
0.010567
26
0.010567
25
0.010686
24
0.010779
23
0.010887
22
0.011011
21
0.011154
20
0.011320
19
0.011512
18
0.011737
17
0.012002
16
0.012314
15
0.012687
14
0.013134
13
0.013678
12
0.014347
11
0.015184
10
0.016253
9
0.017653
8
0.019550
7
0.022244
6
0.026334
5
0.033214
4
0.047073
3
0.088849
2
0.000000
1
0.000000
(R.- 447636)
 

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INDICADORES
Tipo de Cambio y Tasas al 18/04/2024

DOLAR
16.9948

UDIS
8.129121

TIIE 28 DIAS
11.2450%

TIIE 91 DIAS
11.3926%

TIIE 182 DIAS
11.5498%

TIIE DE FONDEO
11.00%

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