Apalancamiento para incrementar la producción y análisis de la tabla de amortización.

Abstract

This report was carried out with the objective of analyzing the financial leverage through a commercial loan to identify the components of an amortization table to verify the benefits that can be obtained when making a commercial loan, taking into account that the rate of interest is accessible to the customer who is going to make a loan. For the elaboration of the practical case, different scenarios were created since they indicate how the company is doing, if it has the money to cancel the credit without affecting its liquidity, and the best option was chosen to access the credit. The methodology that was used was quantitative and different procedures were carried out to verify which amortization system was used, and if it is beneficial for the client. It was possible to carry out an analysis of the performance of the leverage, since it is of great interest to access commercial credit in banks and savings and loan cooperatives, as well as to compare the interest rate that is applied to each financing obtained.