Copia de Matematicas Financiera

i.
cual es el monto de una inversion de

si se deposita en una cuenta bancario que paga
a) anualmente
b) semestralmente
c) trimestralmente
d) mensualmente
e) diariamente
a) vf=vp*(1+i) ^ n
vf= $
31,058.48 ANUAL
b) vf=vp*(1+i) ^ n
vf= $
96,462.93 SEMESTRAL
10,000 en el transcurso de
12% de interes capitalizab
e) vf=vp*(1+i) ^ n
vf= $
14,584.65
EA=
12%
c) vf=vp*(1+i) ^ n
vf= $
930,509.70 TRIMESTRAL
d) vf=vp*(1+i) ^ n
MENSUAL
vf= $
8,056,802,550.13
iii.cual es el monton de una inversion
$
50,000 que se coloca a una tasa
10
aos y
3 meses
8.3%
f=?
vf=
$
908,385,449.9
v cuanto debe pagarse a un banco que hizo un prestamo de 300,000 si se reembolsa al ao captal e interes,
y la tasa aplicada es de 24% capitalizable trimestralmente
vp= $
300,000
i= TASA NOMINAL ANUAL
n=
1
FRECUENCIA CONVERTIR
rem
K+I
i= 0.24
i=
6%
trimestral VENCIDA
i.compues vf= $
378,743
i. simple vf=
$
372,000
TV ---------- EA
PV=PA/(1-PA)
EA=(1+PV)^n-1
6%
0.0638297872 TV
0.2808214307 EA
10 aos
de interes capitalizable
durante
ao captal e interes,
$
300,000
ao 4
K+I
NATV
EJERCICIO i (Cul es el monto de una inversin de $10.000 en el transcurso de 10 aos, si se deposita en una cuenta bancaria que paga el 12% anualde interes
b) semestralmente, c) trimestralmente, d) mensualmente, e) diariamente )
ANUAL
p=
i=TV=
n=
n dias comerciales
10,000
12% ANUAL
10 AOS
real
bancario
3,650
10.00
n=
dias ao comercial
dias ao real
p=
i=TV=
n=
n dias comerciales
comercial
3,650
10.14
3,600
10.00
360
365
Int. Comp
F=P(1+i)^n
EFEC ANUAL
EA=((1+TV)^n)-1
p=
i=TV=
n=
31,551.21
3,650
20.00
n=
31,058.48 Int. Compuesto
12.00%
TRIMESTRE
efec anual
10,000
3% TRIMESTRAL
40 TRIMESTRES
bancario
3,650
40.00
n=
360
365
F=P(1+i)^n
comercial
3,650
40.56
32,071.35
EA=((1+TV)^n)-1
n dias comerciales
3,600
40.00
360
365
real
3,650
120.00
n=
dias ao comercial
dias ao real
F=P(1+i)^n
32,620.38
EFECTIVO ANUAL EA=((1+TV)^n)-1
33,160.48
6.17%
MENSUAL
10,000
1% MENSUAL
120 MESES
p=
i=TV=
n=
real
dias ao comercial
dias ao real
10,000
6% SEMESTRAL
20 SEMESTRES
real
dias ao comercial
dias ao real
31,058.48
n dias comerciales
Int. Compuesto
SEMESTRAL
32,620.38 Int. Compuesto
3.04%
efec anual
360
365
F=P(1+i)^n
33,003.87
EA=((1+TV)^n)-1
1.00%
DIARIO
p=
i=TV=
n=
n dias comerciales
10,000
0.033% DIARIO
3,600 DIAS
real
n=
dias ao comercial
dias ao real
Int. Compuesto
bancario
comercial
3,650
3,600.00
3,650
3,650.00
3,600
3,600.00
33,194.49
33,752.27
33,194.49
360
365
F=P(1+i)^n
0.03%
EJERCICIO vii ( Una persona desea formar unfondo de ahorros para su vejez. Deposita $150.000 EJERCICIO viii (Las ventas al menudeo se han incrementado
en una cuenta que paga el 14.4% de inters anual capitalizable mensualmente. Cual ser el
nmero de unidades vendidas fue de 145.000 en el ao, Cu
monto del que disponga al cabo de 25 aos?)
para dentro de 4 aos si se mantiene est
ANUAL
p=
i=TV=
n=
n dias comerciales
ejercicio
150,000
1.2% mensual
300 meses
real
= 14.4 % anual
= 25 aos
bancario
p=
i=TV=
n=
145,000
3.25%
4 AOS
comercial
n dias comerciales
3,650
300.00
n=
dias ao comercial
dias ao real
Int. Compuesto
3,650
304.17
360
365
F=P(1+i)^n
real
3,600
300.00
1460
4.00
n=
dias ao comercial
5,373,348.52
1.21
5,647,165.02
360
5,373,348.52 dias ao real
365
simple
F=p*(1+i*n)
163,850.00
compuest
efec anual
F=P(1+i)^n
EA=((1+TV)^n)-1
164,789.01
3.25
eres capitalizable: a) anualmente,
bancario
comercial
3,650
20.28
3,600
20.00
32,594.68
32,071.35
bancario
comercial
3,650
121.67
3,600
120.00
33,555.76
33,003.87
ado a razn de 3.25% anual. Si el

Cules son las ventas estimadas
este ritmo?)
ANUAL
bancario
comercial
1460
4.06
1440
4.00
164,111.81
163,850.00
165,082.07
164,789.01
que dia el sr lopez debera pagar invert$ 32,000 para dispponer de

$ 40,000
suponga que la inversion genera interes de
41.6% capitalizable mensualmente
VF= $
VP= $
i=
40,000
32,000
0.008
interes simple
n= $
156.255
compuesto
n=
0.642
41.6% nawv
n= 52
pv= 0.008
wv 0.8%
EA=
51.34%
XXVIII a que tasa anual de interes deben depositarse 25,000 para disponer
A UN PLAZO DE 5 AOS considerando que los intereses se capitalizan
p= $
25,000
vf= $
75,000
n= 5
aos
i= ?
simple
compuesto
a)
semstral sv
i=
raiz 10
n= 10
se mete 75,000/25000-1
i= 30%
semestral
porcentaje semestral
ea=
69%
ea=
b)
b)
trimestral tv
n= 20
i= 15%
ea=
bimestral bv
n= 30
i= 10%
ea=
trimestral
i=
raiz 20
se mete 75,000/25,000-1
prcenta trimestre
ea=
trimestral
i=
raiz 30
se mete 75,000/25,000-1
prcenta bimestral
ea=
74.9%
77.16%
el
ble mensualmente
15 de julio?
compuesto
compuesto
mete 75,000/25000-1
rcentaje semestral
24.6%
mete 75,000/25,000-1
centa trimestre
24.5%
mete 75,000/25,000-1
centa bimestral
24.5%
75,000
si se van a invertir 100,000

cual es la mejor alternativa
12.0%
un banco ofrece las siguientes alternativas de inversion

a) depositos a plazo fijo de un ao a una tasa de 12%
IX (a)
P =
100,000
12.0% Anual
i =
F =
112,000
1
n =
PV=
EA=
F=P
112,000 Interes Simple
V=P
112,000 Interes Compuesto
i= vf-vp
12,000
deposito a plazo fijo de un ao a una tasa de 11,5% capitalizable mensualmente

IX (b)
P =
100,000
11.5% Anual
i =
F =
n =
111,500
365
F=P
11.5%
PV=
EA=
= (+ ) ^

958.3 Mensual
11,500
i= vf-vp
deposito a plazo fijo de un ao a una tasa

IX (c)
P =
i =
F =
n =
n =
Dias
f=p
vf=p
i=vf-vp
de 11,6% capitalizable trimestralmente

100,000
11.6% Anual
146,400
1
4
90.00
2,743
deposito a plazo fijo de un ao a una tasa

IX (d)
P =
i =
F =
n =
n =
Dias
11,8% capitalizable semestralmente

100,000
11.8% Anual
123,600
1
2
180.00
f=p
vf=p
i=vf-vp
5,655
11.6%
PV=
EA=
11.8%
PV=
EA=
encuentre el valor actual de 100,000 que se recibiran dentro de 5 aos si la tasa anual es de
XII (a) 10%
VF =
100,000
10.0% Anual
i =
VP =
?
5
n =
Aos
XII (b) 20%
XII 30%
VF
i
VP
n
P=F/(1+i*n)
VF=P*(1+i)^n
=
=
=
=
100,000
20.0% Anual
?
5
Aos
VF=P*(1+i)^n
100,000
30.0% Anual
?
5
Aos
P=F/(1+i*n)
VF=P*(1+i)^n
XII (d) 40%
PV=
EA=
=
=
=
=
VF
i
VP
n
=
=
=
=
P=F/(1+i*n)
PV=
EA=
20.0%
P=F/(1+i*n)
VF
i
VP
n
10.0%
30.0%
PV=
EA=

100,000
40.0% Anual
?
5
Aos
40.0%
PV=
EA=
VF=P*(1+i)^n
un banco descuenta un documento por 96,000 con vencimiento a 20 meses, aplicando una tasa de interes de 33%
capitalizable mensualmente . A su vez el banco decuenta el documento en una institucion financiera
que le carga 30% de interes capitalizable trimestralmente cual es la utilidad que obtiene el banco en esta opera
XV
VF =
96,000
33.0%
33.0% NAMV
i =
20
n =
Meses
PV=
1.67
Ao
EA=
Parte
1
P=F/(1+i*n)
VF=P*(1+i)^n
Parte
2
VF =
id =
n =
P=F/(1+i*n)
VF=P*(1+i)^n

96000
30% NATV
20 meses
30.0%
PV=
EA=
23,535 Utilidad Interes Simple
33,200 Utilidad Interes Compuesto
e van a invertir 100,000

es la mejor alternativa
NAAV
EA
0.12
0.12
NAMV
EA
0.02900
0.1211
NASV
0.05900
0.1215
12.00% AV
12.00% EA
n = 12
EA
0.0095833
0.121259328
NATV
n =
0.96% MV
12.13% EA
n =
EA
2.90% TV
12.11% EA
n =
5.90% MV
12.15% EA
NAAV
EA
0.02000
0.1041
NAAV
EA
0.04000
0.2167
NAAV
EA
0.08000
0.4693
EA
6.00% AV
33.82% EA
n =
4.00% AV
21.67% EA
n =
2.00% AV
10.41% EA
n =
0.06000
0.3382
NAAV
n =
8.00% AV
46.93% EA
a tasa de interes de 33%
el banco en esta opera

NAMV
EA
0.02750
0.3848
NAMV
0.07500
0.3355
n =
EA
2.75% MV
38.48% EA
n =
12
7.50% MV
33.55% EA
15% sv
EA=
EA=
PV=
PA=
PASAR
TA
18% EA
0.323
32%
0.072
7.24% TV
0.067
6.75% TA
PASAR
PV=
0.015
0.003
0.32% WV
WA=
0.32%
PV*NP
NAWV
16.58%
16.58% NAWV
16.53%
JULIAN DESEA HACER UN PRESTAMO PARA INVERTIR EN UN VEHICULO LOS STS BANCOS LE OFRECEN LAS SGTES TASAS DE INTERES
AB
22,3%
NATA
PA=(NAPA)/N
n= 4
cd
#VALUE!
PA=(NAPA)/N
#VALUE! TV
#VALUE! EA
#VALUE! sv
pv=PA/(1-PA)
EA=(1+PV)^-1
PV=(1+EA)^(1/n)-1
19.95% NAMV n= 12
1.66%
MV
21.9%
EA
PV
pv=PA/(1-PA)
ST
22.45% NABV n= 6
EA=(1+PV)^-1
GTES TASAS DE INTERES
3.74%
BA
3.9%
BV
25.7%
EA
juan desea comprar una moto que tiene un costo de $ 15,000,000; la empresa "x" le
propone las siguientes condiciones de prestamo
1) condicin :
2) condicin
3)condicin
PLAZO(en aos)
2) tasa:
cuotas fijas
cuotas variables
periodo de gracia
NAMV
b NATV
c NABV
d NACV
e NASV
f NAWS
1-cuanto debe pagar juan por los intereses
2_ CUOTAS FIJAS
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
### ao
periodos
tasas PV
12
4
6
3
2
52
18%
1.50% MV
4.50% TV
3.00% BV
6.00% CV
9.00% SV
0.35% WS
(PAGO MENSUAL)
VP= $
15,000,000
N=
36
i=
1.50%
MV
CUOTA=
$542,285.93
periodo saldo inicial
$
14,166,667
$
15,000,000
$
14,682,714
$
14,360,669
$
14,033,793
$
13,702,014
$
13,365,258
$
13,023,451
$
12,676,517
$
12,324,379
$
11,966,959
$
11,604,177
$
11,235,954
$
10,862,207
$
10,482,854
$
10,097,811
$
9,706,992
$
9,310,311
$
8,907,680
$
8,499,009
$
8,084,209
$
7,663,186
$
7,235,848
$
6,802,099
$
6,361,845
$
5,914,987
$
5,461,426
$
5,001,061
$
4,533,791
$
4,059,512
$
3,578,119
$
3,089,504
$
2,593,561
$
2,090,179
$
1,579,245
$
1,060,648
$
534,272
cuota fija
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
intereses
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
225,000.00
220,240.71
215,410.03
210,506.89
205,530.21
200,478.87
195,351.77
190,147.75
184,865.68
179,504.38
174,062.65
168,539.31
162,933.11
157,242.81
151,467.17
145,604.89
139,654.67
133,615.20
127,485.14
121,263.13
114,947.79
108,537.71
102,031.49
95,427.67
88,724.80
81,921.38
75,015.91
68,006.86
60,892.68
53,671.78
46,342.57
38,903.42
31,352.68
23,688.68
15,909.72
8,014.08
4,522,293.59
abono a capital
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$317,285.93
322,045.22
326,875.90
331,779.04
336,755.72
341,807.06
346,934.17
352,138.18
357,420.25
362,781.56
368,223.28
373,746.63
379,352.83
385,043.12
390,818.77
396,681.05
402,631.26
408,670.73
414,800.79
421,022.81
427,338.15
433,748.22
440,254.44
446,858.26
453,561.13
460,364.55
467,270.02
474,279.07
481,393.26
488,614.15
495,943.37
503,382.52
510,933.25
518,597.25
526,376.21
534,271.86
1.cuando analizamos los intereses pagados se puede determinar entre el

2-entre los 3 es el mayor se paga es cuando tengo valores d e gracias, se dan en las empresas de falta de liquides
INTERES
cuota fija
cuota variable
1
2
3
4
5
6
WV
MV
TV
bv
cv
sv
$
$
$
$
$
$
4,438,066.97
4,522,293.59
4,739,913.95
4,631,347.89
4,848,001.73
5,062,780.50
$
$
$
$
$
$
4,075,961.00
4,162,500.00
4,387,500.00
4,275,000.00
4,500,000.00
4,725,000.00
EN EL PERIODO DE GRACIA: dependiendo del tiempo se pagan intereses hasta donde termina ej 1 ao (12 meses)
52 semana
2_ CUOTAS FIJAS
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
(PAGO MENSUAL)
VP= $
15,000,000
N=
52
i=
1.50%
MV
CUOTA=
$417,493.05
0
$
15,000,000
$
14,682,714
$
14,360,669
$
14,033,793
$
13,702,014
$
13,365,258
$
13,023,451
$
12,676,517
$
12,324,379
$
11,966,959
$
11,604,177
$
11,235,954
$
10,862,207
$
10,482,854
$
10,097,811
$
9,706,992
$
9,310,311
$
8,907,680
$
8,499,009
$
8,084,209
$
7,663,186
$
7,235,848
$
6,802,099
$
6,361,845
$
5,914,987
$
5,461,426
$
5,001,061
$
4,533,791
cuota fija
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
intereses
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
abono a capital
225,000.00
220,240.71
215,410.03
210,506.89
205,530.21
200,478.87
195,351.77
190,147.75
184,865.68
179,504.38
174,062.65
168,539.31
162,933.11
157,242.81
151,467.17
145,604.89
139,654.67
133,615.20
127,485.14
121,263.13
114,947.79
108,537.71
102,031.49
95,427.67
88,724.80
81,921.38
75,015.91
68,006.86
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$317,285.93
322,045.22
326,875.90
331,779.04
336,755.72
341,807.06
346,934.17
352,138.18
357,420.25
362,781.56
368,223.28
373,746.63
379,352.83
385,043.12
390,818.77
396,681.05
402,631.26
408,670.73
414,800.79
421,022.81
427,338.15
433,748.22
440,254.44
446,858.26
453,561.13
460,364.55
467,270.02
474,279.07
29
30
31
32
33
34
35
36
$
$
$
$
$
$
$
$
4,059,512
3,578,119
3,089,504
2,593,561
2,090,179
1,579,245
1,060,648
534,272
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$542,285.93
$
$
$
$
$
$
$
$
60,892.68
53,671.78
46,342.57
38,903.42
31,352.68
23,688.68
15,909.72
8,014.08
$
$
$
$
$
$
$
$
481,393.26
488,614.15
495,943.37
503,382.52
510,933.25
518,597.25
526,376.21
534,271.86
abonos ext.
saldo final
$
15,000,000
$
14,682,714.07
$
14,360,668.84
$
14,033,792.94
$
13,702,013.91
$
13,365,258.18
$
13,023,451.12
$
12,676,516.95
$
12,324,378.78
$
11,966,958.52
$
11,604,176.97
$
11,235,953.69
$
10,862,207.06
$
10,482,854.24
$
10,097,811.12
$
9,706,992.35
$
9,310,311.30
$
8,907,680.04
$
8,499,009.31
$
8,084,208.51
$
7,663,185.71
$
7,235,847.56
$
6,802,099.34
$
6,361,844.90
$
5,914,986.64
$
5,461,425.50
$
5,001,060.95
$
4,533,790.94
$
4,059,511.87
$
3,578,118.61
$
3,089,504.46
$
2,593,561.09
$
2,090,178.57
$
1,579,245.32
$
1,060,648.07
$
534,271.86
$
0.00
2- cuota variable
VP= $
N=
i=
capital=
periodo saldo
0
1
$
2
$
3
$
4
$
5
$
6
$
7
$
8
$
9
$
10
$
11
$
12
$
13
$
14
$
15
$
16
$
17
$
18
$
19
$
20
$
21
$
22
$
23
$
24
$
25
$
26
$
27
$
28
$
29
$
30
$
31
$
32
$
33
$
34
$
35
$
36
$
15,000,000
36
1.50%
MV
$416,666.67
inicial
cuota variable
15,000,000
14,583,333
14,166,667
13,750,000
13,333,333
12,916,667
12,500,000
12,083,333
11,666,667
11,250,000
10,833,333
10,416,667
10,000,000
9,583,333
9,166,667
8,750,000
8,333,333
7,916,667
7,500,000
7,083,333
6,666,667
6,250,000
5,833,333
5,416,667
5,000,000
4,583,333
4,166,667
3,750,000
3,333,333
2,916,667
2,500,000
2,083,333
1,666,667
1,250,000
833,333
416,667
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
641,667
635,417
629,167
622,917
616,667
610,417
604,167
597,917
591,667
585,417
579,167
572,917
566,667
560,417
554,167
547,917
541,667
535,417
529,167
522,917
516,667
510,417
504,167
497,917
491,667
485,417
479,167
472,917
466,667
460,417
454,167
447,917
441,667
435,417
429,167
422,917
intereses
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
225,000.00
218,750.00
212,500.00
206,250.00
200,000.00
193,750.00
187,500.00
181,250.00
175,000.00
168,750.00
162,500.00
156,250.00
150,000.00
143,750.00
137,500.00
131,250.00
125,000.00
118,750.00
112,500.00
106,250.00
100,000.00
93,750.00
87,500.00
81,250.00
75,000.00
68,750.00
62,500.00
56,250.00
50,000.00
43,750.00
37,500.00
31,250.00
25,000.00
18,750.00
12,500.00
6,250.00
CONCLUCIONES
LAS TASAS ESTAS NO SON EQUIVALENTES
abonos ext.
saldo final
$
15,000,000
$
14,682,714.07
$
14,360,668.84
$
14,033,792.94
$
13,702,013.91
$
13,365,258.18
$
13,023,451.12
$
12,676,516.95
$
12,324,378.78
$
11,966,958.52
$
11,604,176.97
$
11,235,953.69
$
10,862,207.06
$
10,482,854.24
$
10,097,811.12
$
9,706,992.35
$
9,310,311.30
$
8,907,680.04
$
8,499,009.31
$
8,084,208.51
$
7,663,185.71
$
7,235,847.56
$
6,802,099.34
$
6,361,844.90
$
5,914,986.64
$
5,461,425.50
$
5,001,060.95
$
4,533,790.94
$
4,059,511.87
$
$
$
$
$
$
$
$
3,578,118.61
3,089,504.46
2,593,561.09
2,090,178.57
1,579,245.32
1,060,648.07
534,271.86
0.00
abono a capital
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
$416,666.67
abonos ext.
saldo
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
final
15,000,000
14,583,333
14,166,667
13,750,000
13,333,333
12,916,667
12,500,000
12,083,333
11,666,667
11,250,000
10,833,333
10,416,667
10,000,000
9,583,333
9,166,667
8,750,000
8,333,333
7,916,667
7,500,000
7,083,333
6,666,667
6,250,000
5,833,333
5,416,667
5,000,000
4,583,333
4,166,667
3,750,000
3,333,333
2,916,667
2,500,000
2,083,333
1,666,667
1,250,000
833,333
416,667
0
2- periodo de gracia
VP= $
15,000,000
N=
12
i=
4.50%
con cuota fija 1 ao
0
1
$
15,000,000
2
$
15,000,000
3
$
15,000,000
4
$
15,000,000
5
$
15,000,000
6
$
13,400,855
7
$
11,801,710
8
$
10,202,566
9
$
8,603,421
10
$
7,004,276
11
$
5,405,131
12
$
3,805,986
13
$
2,206,842
14
$
607,697
15
-$
991,448
16
-$
2,590,593
17
-$
4,189,738
18
-$
5,788,882
19
-$
7,388,027
20
-$
8,987,172
21
-$
10,586,317
22
-$
12,185,462
23
-$
13,784,606
24
-$
15,383,751
25
-$
16,982,896
26
-$
18,582,041
27
-$
20,181,186
28
-$
21,780,330
29
-$
23,379,475
30
-$
24,978,620
31
-$
26,577,765
32
-$
28,176,910
33
-$
29,776,054
34
-$
31,375,199
35
-$
32,974,344
36
-$
34,573,489
tv
4
cuota variable
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
675,000
675,000
675,000
675,000
2,274,145
2,274,145
2,274,145
2,274,145
2,274,145
2,274,145
2,274,145
2,274,145
2,274,145
2,274,145
1,554,530
1,482,568
1,410,607
1,338,645
1,266,684
1,194,722
1,122,761
1,050,799
978,838
906,876
834,914
762,953
690,991
619,030
547,068
475,107
403,145
331,184
259,222
187,261
115,299
43,338
8
cuota=
intereses
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
-$
675,000.00
675,000.00
675,000.00
675,000.00
675,000.00
603,038.48
531,076.97
459,115.45
387,153.94
315,192.42
243,230.90
171,269.39
99,307.87
27,346.36
44,615.16
116,576.68
188,538.19
260,499.71
332,461.22
404,422.74
476,384.26
548,345.77
620,307.29
692,268.80
764,230.32
836,191.84
908,153.35
980,114.87
1,052,076.38
1,124,037.90
1,195,999.42
1,267,960.93
1,339,922.45
1,411,883.96
1,483,845.48
1,555,807.00
$2,274,144.80
abono a capital
1 ao
1 ao
1 ao
1 ao
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
$1,599,144.80
abonos ext.
saldo final
1) condicin :
2) condicin
3)condicin
PLAZO(en aos)
2) tasa:
cuotas fijas
cuotas variables
periodo de gracia
### ao
periodos
3
a
NAMV
tasas PV
12
0.17% MV
2.04%

2_ CUOTAS FIJAS
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
(PAGO MENSUAL)
VP= $
8,750,000
N=
60
i=
0.17%
MV
CUOTA=
$153,517.23
$
$
8,750,000
$
8,611,350
$
8,472,465
$
8,333,344
$
8,193,987
$
8,054,392
$
7,914,561
$
7,774,492
$
7,634,185
$
7,493,639
$
7,352,855
$
7,211,832
$
7,070,568
$
6,929,065
$
6,787,322
$
6,645,337
$
6,503,112
$
6,360,644
$
6,217,935
$
6,074,983
$
5,931,788
$
5,788,350
$
5,644,668
$
5,500,742
$
5,356,571
$
5,212,156
$
5,067,495
$
4,922,588
$
4,777,435
$
4,632,036
$
4,486,389
$
4,340,495
$
4,194,353
$
4,047,963
$
3,901,324
$
3,754,435
$
3,607,298
cuota fija
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
intereses
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
abono a capital
14,867.71
14,632.12
14,396.13
14,159.74
13,922.95
13,685.76
13,448.16
13,210.16
12,971.75
12,732.94
12,493.73
12,254.10
12,014.07
11,773.64
11,532.79
11,291.54
11,049.87
10,807.79
10,565.31
10,322.41
10,079.10
9,835.37
9,591.23
9,346.68
9,101.71
8,856.32
8,610.52
8,364.30
8,117.66
7,870.60
7,623.12
7,375.22
7,126.90
6,878.16
6,629.00
6,379.41
6,129.40
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$138,649.53
138,885.11
139,121.10
139,357.49
139,594.29
139,831.48
140,069.08
140,307.08
140,545.48
140,784.29
141,023.51
141,263.13
141,503.16
141,743.60
141,984.44
142,225.70
142,467.36
142,709.44
142,951.93
143,194.83
143,438.14
143,681.86
143,926.00
144,170.56
144,415.53
144,660.91
144,906.72
145,152.94
145,399.58
145,646.63
145,894.11
146,142.01
146,390.33
146,639.07
146,888.24
147,137.82
147,387.83
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
3,459,910
3,312,271
3,164,382
3,016,242
2,867,850
2,719,205
2,570,309
2,421,159
2,271,755
2,122,098
1,972,187
1,822,021
1,671,599
1,520,922
1,369,990
1,218,800
1,067,354
915,650
763,689
611,469
458,991
306,254
153,257
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
5,878.96
5,628.10
5,376.81
5,125.10
4,872.95
4,620.38
4,367.38
4,113.95
3,860.09
3,605.80
3,351.07
3,095.92
2,840.33
2,584.30
2,327.84
2,070.94
1,813.61
1,555.84
1,297.63
1,038.99
779.90
520.38
260.41
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
147,638.27
147,889.13
148,140.42
148,392.14
148,644.28
148,896.85
149,149.85
149,403.28
149,657.14
149,911.44
150,166.16
150,421.32
150,676.91
150,932.93
151,189.39
151,446.29
151,703.62
151,961.39
152,219.60
152,478.25
152,737.33
152,996.86
153,256.83
1.cuando analizamos los intereses pagados se puede determinar entre el

2-entre los 3 es el mayor se paga es cuando tengo valores d e gracias, se dan en las empresas de falta de liquides
INTERES
cuota fija
cuota variable
1
2
3
4
5
6
WV
MV
TV
bv
cv
sv
$
$
$
$
$
$
4,438,066.97
4,522,293.59
4,739,913.95
4,631,347.89
4,848,001.73
5,062,780.50
$
$
$
$
$
$
4,075,961.00
4,162,500.00
4,387,500.00
4,275,000.00
4,500,000.00
4,725,000.00
EN EL PERIODO DE GRACIA: dependiendo del tiempo se pagan intereses hasta donde termina ej 1 ao (12 meses)
52 semana
2_ CUOTAS FIJAS
(PAGO MENSUAL)
VP= $
15,000,000
N=
52
i=
0.17%
MV
CUOTA=
$301,637.77
0
cuota fija
intereses
abono a capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
15,000,000
14,871,970
14,743,723
14,615,258
14,486,574
14,357,672
14,228,551
14,099,210
13,969,650
13,839,870
13,709,869
13,579,647
13,449,204
13,318,539
13,187,652
13,056,543
12,925,211
12,793,656
12,661,877
12,529,874
12,397,648
12,265,196
12,132,519
11,999,617
11,866,489
11,733,135
11,599,555
11,465,747
11,331,712
11,197,449
11,062,958
10,928,239
10,793,291
10,658,113
10,522,706
10,387,068
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$153,517.23
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
25,487.50
25,269.96
25,052.04
24,833.76
24,615.10
24,396.08
24,176.68
23,956.91
23,736.76
23,516.25
23,295.35
23,074.08
22,852.44
22,630.42
22,408.02
22,185.24
21,962.09
21,738.55
21,514.64
21,290.34
21,065.67
20,840.61
20,615.17
20,389.35
20,163.14
19,936.55
19,709.58
19,482.22
19,254.47
19,026.33
18,797.81
18,568.90
18,339.60
18,109.91
17,879.83
17,649.36
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$128,029.73
128,247.28
128,465.19
128,683.48
128,902.13
129,121.16
129,340.55
129,560.33
129,780.47
130,000.99
130,221.88
130,443.15
130,664.80
130,886.82
131,109.22
131,331.99
131,555.15
131,778.68
132,002.60
132,226.89
132,451.57
132,676.62
132,902.06
133,127.88
133,354.09
133,580.68
133,807.66
134,035.02
134,262.77
134,490.90
134,719.42
134,948.34
135,177.64
135,407.32
135,637.40
135,867.87
abonos ext.
saldo final
$
8,750,000
$
8,611,350.47
$
8,472,465.36
$
8,333,344.26
$
8,193,986.76
$
8,054,392.48
$
7,914,561.00
$
7,774,491.92
$
7,634,184.84
$
7,493,639.36
$
7,352,855.07
$
7,211,831.56
$
7,070,568.43
$
6,929,065.27
$
6,787,321.67
$
6,645,337.23
$
6,503,111.53
$
6,360,644.16
$
6,217,934.72
$
6,074,982.80
$
5,931,787.97
$
5,788,349.83
$
5,644,667.97
$
5,500,741.97
$
5,356,571.41
$
5,212,155.88
$
5,067,494.97
$
4,922,588.25
$
4,777,435.32
$
4,632,035.74
$
4,486,389.11
$
4,340,494.99
$
4,194,352.98
$
4,047,962.65
$
3,901,323.58
$
3,754,435.35
$
3,607,297.52
$
3,459,909.69
2- cuota variable
VP= $
8,750,000
N=
60
i=
0.17%
MV
capital=
$145,833.33
cuota variable
intereses
0
1
$
8,750,000 $
160,701 $
14,867.71
2
$
8,604,167 $
160,453 $
14,619.91
3
$
8,458,333 $
160,205 $
14,372.12
4
$
8,312,500 $
159,958 $
14,124.32
5
$
8,166,667 $
159,710 $
13,876.53
6
$
8,020,833 $
159,462 $
13,628.73
7
$
7,875,000 $
159,214 $
13,380.94
8
$
7,729,167 $
158,966 $
13,133.14
9
$
7,583,333 $
158,719 $
12,885.35
10
$
7,437,500 $
158,471 $
12,637.55
11
$
7,291,667 $
158,223 $
12,389.76
12
$
7,145,833 $
157,975 $
12,141.96
13
$
7,000,000 $
157,728 $
11,894.17
14
$
6,854,167 $
157,480 $
11,646.37
15
$
6,708,333 $
157,232 $
11,398.58
16
$
6,562,500 $
156,984 $
11,150.78
17
$
6,416,667 $
156,736 $
10,902.99
18
$
6,270,833 $
156,489 $
10,655.19
19
$
6,125,000 $
156,241 $
10,407.40
20
$
5,979,167 $
155,993 $
10,159.60
21
$
5,833,333 $
155,745 $
9,911.81
22
$
5,687,500 $
155,497 $
9,664.01
23
$
5,541,667 $
155,250 $
9,416.22
24
$
5,395,833 $
155,002 $
9,168.42
25
$
5,250,000 $
154,754 $
8,920.63
26
$
5,104,167 $
154,506 $
8,672.83
27
$
4,958,333 $
154,258 $
8,425.03
28
$
4,812,500 $
154,011 $
8,177.24
29
$
4,666,667 $
153,763 $
7,929.44
30
$
4,520,833 $
153,515 $
7,681.65
31
$
4,375,000 $
153,267 $
7,433.85
32
$
4,229,167 $
153,019 $
7,186.06
33
$
4,083,333 $
152,772 $
6,938.26
34
$
3,937,500 $
152,524 $
6,690.47
35
$
3,791,667 $
152,276 $
6,442.67
36
$
3,645,833 $
152,028 $
6,194.88
36
$
3,500,000 $
151,780 $
5,947.08
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
3,312,271.42
3,164,382.29
3,016,241.86
2,867,849.73
2,719,205.45
2,570,308.60
2,421,158.74
2,271,755.46
2,122,098.32
1,972,186.88
1,822,020.72
1,671,599.40
1,520,922.50
1,369,989.56
1,218,800.17
1,067,353.88
915,650.26
763,688.86
611,469.26
458,991.02
306,253.68
153,256.83
0.00
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
36
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
CONCLUCIONES
LAS TASAS ESTAS NO SON EQUIVALENTES
abonos ext.
saldo final
$
15,000,000
3,354,167
3,208,333
3,062,500
2,916,667
2,770,833
2,625,000
2,479,167
2,333,333
2,187,500
2,041,667
1,895,833
1,750,000
1,604,167
1,458,333
1,312,500
1,166,667
1,020,833
875,000
729,167
583,333
437,500
291,667
145,833
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
151,533
151,285
151,037
150,789
150,541
150,294
150,046
149,798
149,550
149,302
149,055
148,807
148,559
148,311
148,063
147,816
147,568
147,320
147,072
146,825
146,577
146,329
146,081
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
5,699.29
5,451.49
5,203.70
4,955.90
4,708.11
4,460.31
4,212.52
3,964.72
3,716.93
3,469.13
3,221.34
2,973.54
2,725.75
2,477.95
2,230.16
1,982.36
1,734.57
1,486.77
1,238.98
991.18
743.39
495.59
247.80
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
14,871,970.27
14,743,722.99
14,615,257.80
14,486,574.32
14,357,672.19
14,228,551.03
14,099,210.48
13,969,650.15
13,839,869.68
13,709,868.69
13,579,646.81
13,449,203.66
13,318,538.86
13,187,652.04
13,056,542.83
12,925,210.84
12,793,655.69
12,661,877.01
12,529,874.41
12,397,647.52
12,265,195.96
12,132,519.34
11,999,617.27
11,866,489.39
11,733,135.30
11,599,554.61
11,465,746.96
11,331,711.94
11,197,449.17
11,062,958.27
10,928,238.84
10,793,290.51
10,658,112.87
10,522,705.55
10,387,068.14
10,251,200.27
abono a capital
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
abonos ext.
saldo final
$
8,750,000
$
8,604,167
$
8,458,333
$
8,312,500
$
8,166,667
$
8,020,833
$
7,875,000
$
7,729,167
$
7,583,333
$
7,437,500
$
7,291,667
$
7,145,833
$
7,000,000
$
6,854,167
$
6,708,333
$
6,562,500
$
6,416,667
$
6,270,833
$
6,125,000
$
5,979,167
$
5,833,333
$
5,687,500
$
5,541,667
$
5,395,833
$
5,250,000
$
5,104,167
$
4,958,333
$
4,812,500
$
4,666,667
$
4,520,833
$
4,375,000
$
4,229,167
$
4,083,333
$
3,937,500
$
3,791,667
$
3,645,833
$
3,500,000
$
3,354,167
2- periodo de gracia
VP= $
8,750,000
N=
60
i=
0.17%
con cuota fija 1 ao
0
1
$
15,000,000
2
$
15,000,000
3
$
15,000,000
4
$
15,000,000
5
$
15,000,000
6
$
14,861,553
7
$
14,723,106
8
$
14,584,659
9
$
14,446,213
10
$
14,307,766
11
$
14,169,319
12
$
14,030,872
13
$
13,892,425
14
$
13,753,978
15
$
13,615,532
16
$
13,477,085
17
$
13,338,638
18
$
13,200,191
19
$
13,061,744
20
$
12,923,297
21
$
12,784,851
22
$
12,646,404
23
$
12,507,957
24
$
12,369,510
25
$
12,231,063
26
$
12,092,616
27
$
11,954,170
28
$
11,815,723
29
$
11,677,276
30
$
11,538,829
31
$
11,400,382
32
$
11,261,935
33
$
11,123,489
34
$
10,985,042
35
$
10,846,595
36
$
10,708,148
37
$
10,569,701
tv
4
cuota variable
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
25,488
25,488
25,488
25,488
163,934
163,934
163,934
163,934
163,934
163,934
163,934
163,934
163,934
163,934
161,582
161,347
161,111
160,876
160,641
160,406
160,170
159,935
159,700
159,465
159,229
158,994
158,759
158,524
158,288
158,053
157,818
157,583
157,347
157,112
156,877
156,642
17,960
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$145,833.33
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
3,208,333
3,062,500
2,916,667
2,770,833
2,625,000
2,479,167
2,333,333
2,187,500
2,041,667
1,895,833
1,750,000
1,604,167
1,458,333
1,312,500
1,166,667
1,020,833
875,000
729,167
583,333
437,500
291,667
145,833
0
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
10,569,701
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
17,960
56
cuota=
intereses
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$163,934.34
abono a capital
25,487.50
25,487.50
25,487.50
25,487.50
25,487.50
25,252.26
25,017.01
24,781.77
24,546.52
24,311.28
24,076.03
23,840.79
23,605.55
23,370.30
23,135.06
22,899.81
22,664.57
22,429.32
22,194.08
21,958.84
21,723.59
21,488.35
21,253.10
21,017.86
20,782.61
20,547.37
20,312.13
20,076.88
19,841.64
19,606.39
19,371.15
19,135.91
18,900.66
18,665.42
18,430.17
18,194.93
17,959.68
1 ao
1 ao
1 ao
1 ao
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
$138,446.84
abonos ext.
saldo final
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
17,959.68
MATEMATICAS FINANCIERA
TALLER DE LIBRE INVERSION
KEILA JIMENEZ ALFARO
profesor(a)
MARIA RIGUEY
ITM
MEDELLIN-ANTIOQUIA
2014
SE HACE UN CREDITO A LIBRE INVERSION POR UN VALOR DE 8,750,000 CON LOS SIGUIENTES
BANCOS A UN PERIODO DE 60 DIAS
BANCOLOMBIA
1) condicin :
PLAZO(en aos)
2) tasa:
a
cuotas fijas
3
NAMV
periodos
2.13%
tasas PV
12
0.18%
MV

2_ CUOTAS FIJAS
(PAGO MENSUAL)
VP= $
8,750,000
N=
60
i=
0.18%
MV
CUOTA=
$153,866.04
cuota fija
intereses
abono a capital
8,750,000
$153,866.04
15,531.25
8,611,665
$153,866.04
15,285.71 $
138,580.33
8,473,085
$153,866.04
15,039.73 $
138,826.31
8,334,259
$153,866.04
14,793.31 $
139,072.73
8,195,186
$153,866.04
14,546.45 $
139,319.58
8,055,866
$153,866.04
14,299.16 $
139,566.88
7,916,299
$153,866.04
14,051.43 $
139,814.61
7,776,485
$153,866.04
13,803.26 $
140,062.78
$138,334.79
7,636,422
$153,866.04
13,554.65 $
140,311.39
10
7,496,111
$153,866.04
13,305.60 $
140,560.44
11
7,355,550
$153,866.04
13,056.10 $
140,809.94
12
7,214,740
$153,866.04
12,806.16 $
141,059.87
13
7,073,680
$153,866.04
12,555.78 $
141,310.26
14
6,932,370
$153,866.04
12,304.96 $
141,561.08
15
6,790,809
$153,866.04
12,053.69 $
141,812.35
16
6,648,997
$153,866.04
11,801.97 $
142,064.07
17
6,506,933
$153,866.04
11,549.81 $
142,316.23
18
6,364,616
$153,866.04
11,297.19 $
142,568.84
19
6,222,048
$153,866.04
11,044.13 $
142,821.90
20
6,079,226
$153,866.04
10,790.63 $
143,075.41
21
5,936,150
$153,866.04
10,536.67 $
143,329.37
22
5,792,821
$153,866.04
10,282.26 $
143,583.78
23
5,649,237
$153,866.04
10,027.40 $
143,838.64
24
5,505,398
$153,866.04
9,772.08 $
144,093.96
25
5,361,304
$153,866.04
9,516.32 $
144,349.72
26
5,216,955
$153,866.04
9,260.09 $
144,605.94
27
5,072,349
$153,866.04
9,003.42 $
144,862.62
28
4,927,486
$153,866.04
8,746.29 $
145,119.75
29
4,782,366
$153,866.04
8,488.70 $
145,377.34
30
4,636,989
$153,866.04
8,230.66 $
145,635.38
31
4,491,354
$153,866.04
7,972.15 $
145,893.89
32
4,345,460
$153,866.04
7,713.19 $
146,152.85
33
4,199,307
$153,866.04
7,453.77 $
146,412.27
34
4,052,895
$153,866.04
7,193.89 $
146,672.15
35
3,906,223
$153,866.04
6,933.54 $
146,932.49
36
3,759,290
$153,866.04
6,672.74 $
147,193.30
37
3,612,097
$153,866.04
6,411.47 $
147,454.57
38
3,464,642
$153,866.04
6,149.74 $
147,716.30
39
3,316,926
$153,866.04
5,887.54 $
147,978.50
40
3,168,947
$153,866.04
5,624.88 $
148,241.16
41
3,020,706
$153,866.04
5,361.75 $
148,504.29
42
2,872,202
$153,866.04
5,098.16 $
148,767.88
43
2,723,434
$153,866.04
4,834.10 $
149,031.94
44
2,574,402
$153,866.04
4,569.56 $
149,296.48
45
2,425,106
$153,866.04
4,304.56 $
149,561.48
46
2,275,544
$153,866.04
4,039.09 $
149,826.95
47
2,125,717
$153,866.04
3,773.15 $
150,092.89
48
1,975,624
$153,866.04
3,506.73 $
150,359.31
49
1,825,265
$153,866.04
3,239.85 $
150,626.19
50
1,674,639
$153,866.04
2,972.48 $
150,893.55
51
1,523,745
$153,866.04
2,704.65 $
151,161.39
52
1,372,584
$153,866.04
2,436.34 $
151,429.70
53
1,221,154
$153,866.04
2,167.55 $
151,698.49
54
1,069,456
$153,866.04
1,898.28 $
151,967.76
55
917,488
$153,866.04
1,628.54 $
152,237.50
56
765,250
$153,866.04
1,358.32 $
152,507.72
57
612,743
$153,866.04
1,087.62 $
152,778.42
58
459,964
$153,866.04
816.44 $
153,049.60
59
306,915
$153,866.04
544.77 $
153,321.27
60
153,593
$153,866.04
272.63 $
153,593.41
$
BANCO OCCIDENTE
1) condicin :
cuotas fijas
PLAZO(en aos)
2) tasa:
a
NAMV
481,962.33
periodos
2.039%
tasas PV
12
0.170%
MV

2_ CUOTAS FIJAS
(PAGO MENSUAL)
VP= $
8,750,000
N=
60
i=
0.17%
MV
CUOTA=
$153,517.23
0
cuota fija
intereses
abono a capital
8,750,000
$153,866.04
14,867.71
$138,998.33
8,611,002
$153,866.04
14,631.53 $
139,234.51
8,471,767
$153,866.04
14,394.94 $
139,471.09
8,332,296
$153,866.04
14,157.96 $
139,708.08
8,192,588
$153,866.04
13,920.57 $
139,945.47
8,052,643
$153,866.04
13,682.78 $
140,183.26
7,912,459
$153,866.04
13,444.59 $
140,421.45
7,772,038
$153,866.04
13,205.99 $
140,660.05
7,631,378
$153,866.04
12,966.98 $
140,899.06
10
7,490,479
$153,866.04
12,727.57 $
141,138.47
11
7,349,340
$153,866.04
12,487.75 $
141,378.28
12
7,207,962
$153,866.04
12,247.53 $
141,618.51
13
7,066,343
$153,866.04
12,006.90 $
141,859.14
14
6,924,484
$153,866.04
11,765.85 $
142,100.19
15
6,782,384
$153,866.04
11,524.40 $
142,341.64
16
6,640,042
$153,866.04
11,282.54 $
142,583.50
17
6,497,459
$153,866.04
11,040.27 $
142,825.77
18
6,354,633
$153,866.04
10,797.58 $
143,068.46
19
6,211,565
$153,866.04
10,554.48 $
143,311.56
20
6,068,253
$153,866.04
10,310.97 $
143,555.07
21
5,924,698
$153,866.04
10,067.05 $
143,798.99
22
5,780,899
$153,866.04
9,822.71 $
144,043.33
23
5,636,856
$153,866.04
9,577.96 $
144,288.08
24
5,492,568
$153,866.04
9,332.79 $
144,533.25
25
5,348,034
$153,866.04
9,087.20 $
144,778.84
26
5,203,256
$153,866.04
8,841.20 $
145,024.84
27
5,058,231
$153,866.04
8,594.78 $
145,271.26
28
4,912,960
$153,866.04
8,347.94 $
145,518.10
29
4,767,441
$153,866.04
8,100.68 $
145,765.36
30
4,621,676
$153,866.04
7,853.00 $
146,013.04
31
4,475,663
$153,866.04
7,604.90 $
146,261.14
32
4,329,402
$153,866.04
7,356.38 $
146,509.66
33
4,182,892
$153,866.04
7,107.43 $
146,758.61
34
4,036,134
$153,866.04
6,858.06 $
147,007.98
35
3,889,126
$153,866.04
6,608.27 $
147,257.77
36
3,741,868
$153,866.04
6,358.06 $
147,507.98
37
3,594,360
$153,866.04
6,107.42 $
147,758.62
38
3,446,601
$153,866.04
5,856.35 $
148,009.69
39
3,298,592
$153,866.04
5,604.86 $
148,261.18
40
3,150,330
$153,866.04
5,352.94 $
148,513.10
41
3,001,817
$153,866.04
5,100.59 $
148,765.45
42
2,853,052
$153,866.04
4,847.81 $
149,018.23
43
2,704,034
$153,866.04
4,594.60 $
149,271.44
44
2,554,762
$153,866.04
4,340.97 $
149,525.07
45
2,405,237
$153,866.04
4,086.90 $
149,779.14
46
2,255,458
$153,866.04
3,832.40 $
150,033.64
47
2,105,424
$153,866.04
3,577.47 $
150,288.57
48
1,955,136
$153,866.04
3,322.10 $
150,543.94
49
1,804,592
$153,866.04
3,066.30 $
150,799.74
50
1,653,792
$153,866.04
2,810.07 $
151,055.97
51
1,502,736
$153,866.04
2,553.40 $
151,312.64
52
1,351,423
$153,866.04
2,296.29 $
151,569.75
53
1,199,854
$153,866.04
2,038.75 $
151,827.29
54
1,048,026
$153,866.04
1,780.77 $
152,085.27
55
895,941
$153,866.04
1,522.35 $
152,343.69
56
743,597
$153,866.04
1,263.50 $
152,602.54
57
590,995
$153,866.04
1,004.20 $
152,861.84
58
438,133
$153,866.04
744.46 $
153,121.58
59
285,012
$153,866.04
484.28 $
153,381.76
60
131,630
$153,866.04
223.66 $
153,642.38
459,949.72
DAVIVIENDA
1) condicin :
PLAZO(en aos)
2) tasa:
a
cuotas fijas
3
NAMV
periodos
1.40%
tasas PV
12
0.12%
MV

2_ CUOTAS FIJAS
(PAGO MENSUAL)
VP= $
8,750,000
N=
60
i=
0.12%
MV
CUOTA=
$151,082.06
cuota fija
intereses
abono a capital
8,750,000
$153,866.04
10,208.33
8,606,342
$153,866.04
10,040.73 $
143,825.31
8,462,517
$153,866.04
9,872.94 $
143,993.10
8,318,524
$153,866.04
9,704.94 $
144,161.09
8,174,363
$153,866.04
9,536.76 $
144,329.28
8,030,034
$153,866.04
9,368.37 $
144,497.67
7,885,536
$153,866.04
9,199.79 $
144,666.25
7,740,870
$153,866.04
9,031.01 $
144,835.02
7,596,035
$153,866.04
8,862.04 $
145,004.00
10
7,451,031
$153,866.04
8,692.87 $
145,173.17
$143,657.71
11
7,305,857
$153,866.04
8,523.50 $
145,342.54
12
7,160,515
$153,866.04
8,353.93 $
145,512.10
13
7,015,003
$153,866.04
8,184.17 $
145,681.87
14
6,869,321
$153,866.04
8,014.21 $
145,851.83
15
6,723,469
$153,866.04
7,844.05 $
146,021.99
16
6,577,447
$153,866.04
7,673.69 $
146,192.35
17
6,431,255
$153,866.04
7,503.13 $
146,362.91
18
6,284,892
$153,866.04
7,332.37 $
146,533.67
19
6,138,358
$153,866.04
7,161.42 $
146,704.62
20
5,991,654
$153,866.04
6,990.26 $
146,875.78
21
5,844,778
$153,866.04
6,818.91 $
147,047.13
22
5,697,731
$153,866.04
6,647.35 $
147,218.69
23
5,550,512
$153,866.04
6,475.60 $
147,390.44
24
5,403,121
$153,866.04
6,303.64 $
147,562.40
25
5,255,559
$153,866.04
6,131.49 $
147,734.55
26
5,107,825
$153,866.04
5,959.13 $
147,906.91
27
4,959,918
$153,866.04
5,786.57 $
148,079.47
28
4,811,838
$153,866.04
5,613.81 $
148,252.23
29
4,663,586
$153,866.04
5,440.85 $
148,425.19
30
4,515,161
$153,866.04
5,267.69 $
148,598.35
31
4,366,562
$153,866.04
5,094.32 $
148,771.72
32
4,217,791
$153,866.04
4,920.76 $
148,945.28
33
4,068,845
$153,866.04
4,746.99 $
149,119.05
34
3,919,726
$153,866.04
4,573.01 $
149,293.02
35
3,770,433
$153,866.04
4,398.84 $
149,467.20
36
3,620,966
$153,866.04
4,224.46 $
149,641.58
37
3,471,325
$153,866.04
4,049.88 $
149,816.16
38
3,321,508
$153,866.04
3,875.09 $
149,990.95
39
3,171,517
$153,866.04
3,700.10 $
150,165.94
40
3,021,351
$153,866.04
3,524.91 $
150,341.13
41
2,871,010
$153,866.04
3,349.51 $
150,516.53
42
2,720,494
$153,866.04
3,173.91 $
150,692.13
43
2,569,802
$153,866.04
2,998.10 $
150,867.94
44
2,418,934
$153,866.04
2,822.09 $
151,043.95
45
2,267,890
$153,866.04
2,645.87 $
151,220.17
46
2,116,670
$153,866.04
2,469.45 $
151,396.59
47
1,965,273
$153,866.04
2,292.82 $
151,573.22
48
1,813,700
$153,866.04
2,115.98 $
151,750.06
49
1,661,950
$153,866.04
1,938.94 $
151,927.10
50
1,510,023
$153,866.04
1,761.69 $
152,104.35
51
1,357,918
$153,866.04
1,584.24 $
152,281.80
52
1,205,637
$153,866.04
1,406.58 $
152,459.46
53
1,053,177
$153,866.04
1,228.71 $
152,637.33
54
900,540
$153,866.04
1,050.63 $
152,815.41
55
747,724
$153,866.04
872.35 $
152,993.69
56
594,731
$153,866.04
693.85 $
153,172.19
57
441,558
$153,866.04
515.15 $
153,350.89
58
288,208
$153,866.04
336.24 $
153,529.80
59
134,678
$153,866.04
157.12 $
153,708.91
60
-$
19,031
$153,866.04
-$
22.20 $
153,888.24
$
HELM BANK
1) condicin :
PLAZO(en aos)
2) tasa:
a
309,042.95
cuotas fijas
3
NAMV
periodos
2.10%
tasas PV
12
0.18%
MV

2_ CUOTAS FIJAS
(PAGO MENSUAL)
VP= $
8,750,000
N=
60
i=
0.18%
MV
CUOTA=
$153,750.99
cuota fija
intereses
abono a capital
8,750,000
$153,866.04
15,531.25
8,611,665
$153,866.04
15,285.71 $
138,580.33
8,473,085
$153,866.04
15,039.73 $
138,826.31
8,334,259
$153,866.04
14,793.31 $
139,072.73
8,195,186
$153,866.04
14,546.45 $
139,319.58
$138,334.79
8,055,866
$153,866.04
14,299.16 $
139,566.88
7,916,299
$153,866.04
14,051.43 $
139,814.61
7,776,485
$153,866.04
13,803.26 $
140,062.78
7,636,422
$153,866.04
13,554.65 $
140,311.39
10
7,496,111
$153,866.04
13,305.60 $
140,560.44
11
7,355,550
$153,866.04
13,056.10 $
140,809.94
12
7,214,740
$153,866.04
12,806.16 $
141,059.87
13
7,073,680
$153,866.04
12,555.78 $
141,310.26
14
6,932,370
$153,866.04
12,304.96 $
141,561.08
15
6,790,809
$153,866.04
12,053.69 $
141,812.35
16
6,648,997
$153,866.04
11,801.97 $
142,064.07
17
6,506,933
$153,866.04
11,549.81 $
142,316.23
18
6,364,616
$153,866.04
11,297.19 $
142,568.84
19
6,222,048
$153,866.04
11,044.13 $
142,821.90
20
6,079,226
$153,866.04
10,790.63 $
143,075.41
21
5,936,150
$153,866.04
10,536.67 $
143,329.37
22
5,792,821
$153,866.04
10,282.26 $
143,583.78
23
5,649,237
$153,866.04
10,027.40 $
143,838.64
24
5,505,398
$153,866.04
9,772.08 $
144,093.96
25
5,361,304
$153,866.04
9,516.32 $
144,349.72
26
5,216,955
$153,866.04
9,260.09 $
144,605.94
27
5,072,349
$153,866.04
9,003.42 $
144,862.62
28
4,927,486
$153,866.04
8,746.29 $
145,119.75
29
4,782,366
$153,866.04
8,488.70 $
145,377.34
30
4,636,989
$153,866.04
8,230.66 $
145,635.38
31
4,491,354
$153,866.04
7,972.15 $
145,893.89
32
4,345,460
$153,866.04
7,713.19 $
146,152.85
33
4,199,307
$153,866.04
7,453.77 $
146,412.27
34
4,052,895
$153,866.04
7,193.89 $
146,672.15
35
3,906,223
$153,866.04
6,933.54 $
146,932.49
36
3,759,290
$153,866.04
6,672.74 $
147,193.30
37
3,612,097
$153,866.04
6,411.47 $
147,454.57
38
3,464,642
$153,866.04
6,149.74 $
147,716.30
39
3,316,926
$153,866.04
5,887.54 $
147,978.50
40
3,168,947
$153,866.04
5,624.88 $
148,241.16
41
3,020,706
$153,866.04
5,361.75 $
148,504.29
42
2,872,202
$153,866.04
5,098.16 $
148,767.88
43
2,723,434
$153,866.04
4,834.10 $
149,031.94
44
2,574,402
$153,866.04
4,569.56 $
149,296.48
45
2,425,106
$153,866.04
4,304.56 $
149,561.48
46
2,275,544
$153,866.04
4,039.09 $
149,826.95
47
2,125,717
$153,866.04
3,773.15 $
150,092.89
48
1,975,624
$153,866.04
3,506.73 $
150,359.31
49
1,825,265
$153,866.04
3,239.85 $
150,626.19
50
1,674,639
$153,866.04
2,972.48 $
150,893.55
51
1,523,745
$153,866.04
2,704.65 $
151,161.39
52
1,372,584
$153,866.04
2,436.34 $
151,429.70
53
1,221,154
$153,866.04
2,167.55 $
151,698.49
54
1,069,456
$153,866.04
1,898.28 $
151,967.76
55
917,488
$153,866.04
1,628.54 $
152,237.50
56
765,250
$153,866.04
1,358.32 $
152,507.72
57
612,743
$153,866.04
1,087.62 $
152,778.42
58
459,964
$153,866.04
816.44 $
153,049.60
59
306,915
$153,866.04
544.77 $
153,321.27
60
153,593
$153,866.04
272.63 $
153,593.41
CITIBAN
1) condicin :
PLAZO(en aos)
2) tasa:
a
481,962.33
cuotas fijas
3
NAMV
periodos
0.84%
tasas PV
12
0.07%
MV

2_ CUOTAS FIJAS
(PAGO MENSUAL)
VP= $
8,750,000
N=
60
i=
0.07%
MV
CUOTA=
$148,968.30
cuota fija
intereses
abono a capital
8,750,000
$153,866.04
8,602,259
$153,866.04
15,269.01 $
138,597.03
8,463,662
$153,866.04
15,023.00 $
138,843.04
8,324,819
$153,866.04
14,776.55 $
139,089.49
8,185,729
$153,866.04
14,529.67 $
139,336.37
8,046,393
$153,866.04
14,282.35 $
139,583.69
7,906,809
$153,866.04
14,034.59 $
139,831.45
7,766,978
$153,866.04
13,786.39 $
140,079.65
7,626,898
$153,866.04
13,537.74 $
140,328.29
10
7,486,570
$153,866.04
13,288.66 $
140,577.38
6,125.00
$147,741.04
11
7,345,993
$153,866.04
13,039.14 $
140,826.90
12
7,205,166
$153,866.04
12,789.17 $
141,076.87
13
7,064,089
$153,866.04
12,538.76 $
141,327.28
14
6,922,762
$153,866.04
12,287.90 $
141,578.14
15
6,781,183
$153,866.04
12,036.60 $
141,829.44
16
6,639,354
$153,866.04
11,784.85 $
142,081.19
17
6,497,273
$153,866.04
11,532.66 $
142,333.38
18
6,354,939
$153,866.04
11,280.02 $
142,586.02
19
6,212,353
$153,866.04
11,026.93 $
142,839.11
20
6,069,514
$153,866.04
10,773.39 $
143,092.65
21
5,926,422
$153,866.04
10,519.40 $
143,346.64
22
5,783,075
$153,866.04
10,264.96 $
143,601.08
23
5,639,474
$153,866.04
10,010.07 $
143,855.97
24
5,495,618
$153,866.04
9,754.72 $
144,111.32
25
5,351,507
$153,866.04
9,498.92 $
144,367.11
26
5,207,139
$153,866.04
9,242.67 $
144,623.37
27
5,062,516
$153,866.04
8,985.97 $
144,880.07
28
4,917,636
$153,866.04
8,728.80 $
145,137.23
29
4,772,499
$153,866.04
8,471.19 $
145,394.85
30
4,627,104
$153,866.04
8,213.11 $
145,652.93
31
4,481,451
$153,866.04
7,954.58 $
145,911.46
32
4,335,540
$153,866.04
7,695.58 $
146,170.46
33
4,189,369
$153,866.04
7,436.13 $
146,429.91
34
4,042,939
$153,866.04
7,176.22 $
146,689.82
35
3,896,249
$153,866.04
6,915.84 $
146,950.20
36
3,749,299
$153,866.04
6,655.01 $
147,211.03
37
3,602,088
$153,866.04
6,393.71 $
147,472.33
38
3,454,616
$153,866.04
6,131.94 $
147,734.10
39
3,306,882
$153,866.04
5,869.72 $
147,996.32
40
3,158,885
$153,866.04
5,607.02 $
148,259.02
41
3,010,626
$153,866.04
5,343.86 $
148,522.18
42
2,862,104
$153,866.04
5,080.23 $
148,785.80
43
2,713,318
$153,866.04
4,816.14 $
149,049.90
44
2,564,268
$153,866.04
4,551.58 $
149,314.46
45
2,414,954
$153,866.04
4,286.54 $
149,579.50
46
2,265,375
$153,866.04
4,021.04 $
149,845.00
47
2,115,530
$153,866.04
3,755.06 $
150,110.97
48
1,965,419
$153,866.04
3,488.62 $
150,377.42
49
1,815,041
$153,866.04
3,221.70 $
150,644.34
50
1,664,397
$153,866.04
2,954.30 $
150,911.73
51
1,513,485
$153,866.04
2,686.44 $
151,179.60
52
1,362,305
$153,866.04
2,418.09 $
151,447.95
53
1,210,858
$153,866.04
2,149.27 $
151,716.77
54
1,059,141
$153,866.04
1,879.97 $
151,986.06
55
907,155
$153,866.04
1,610.20 $
152,255.84
56
754,899
$153,866.04
1,339.95 $
152,526.09
57
602,373
$153,866.04
1,069.21 $
152,796.83
58
449,576
$153,866.04
798.00 $
153,068.04
59
296,508
$153,866.04
526.30 $
153,339.74
60
$
254.12 $
$
471,518.55
Para tomar un crdito de libre inversin hay que tener en cuenta que no todas las ofertas
son iguales y Tomando como referencia cinco (5) tipos de entidades Bancarias a las
que yo como cliente puedo acceder y la cual se calcul con los escenarios de pago
para un crdito de $8.750.000 obtuve los siguientes resultados.
153,611.92
143,168
$153,866.04
INTERES
cuota fija
BANCOLOMBIA
BANCO OCCIDENTE
DAVIVIENDA
HELM
CITI
$
$
$
$
$
481,962.33
459,949.72
309,042.95
481,962.33
471,518.55
SALDO FINAL
mv
-$
0.00
mv
-$
22,012.61
mv
-$
172,919.38
mv
-$
0.00
mv
-$
10,443.78
$471,518.55
BANCOLOMBIA
$481,962.33
$481,962.33
BANCO OCCIDENTE
DAVIVIENDA
$471,518.55
BANCOLOMBIA
$481,962.33
$481,962.33
BANCO OCCIDENTE
DAVIVIENDA
$309,042.95
$459,949.72
La conclucion con la que llego de este analisis es que mi credito lo obtendria por
medio del Banco DAVIVIENDA ya que como podemos observar en los graficos
obtengo una menor cuota fija al mismo periodo que con cualquiera otro de los bancos
clasificados
HELM
CITI
MV
abonos exsaldo final
8,750,000
8,611,665.21
8,473,084.88
8,334,258.56
8,195,185.84
8,055,866.25
7,916,299.37
7,776,484.77
7,636,421.99
7,496,110.60
7,355,550.16
7,214,740.22
7,073,680.34
6,932,370.09
6,790,809.01
6,648,996.65
6,506,932.58
6,364,616.35
6,222,047.51
6,079,225.60
5,936,150.19
5,792,820.82
5,649,237.03
5,505,398.39
5,361,304.43
5,216,954.71
5,072,348.77
4,927,486.15
4,782,366.40
4,636,989.06
4,491,353.67
4,345,459.79
4,199,306.94
4,052,894.67
3,906,222.52
3,759,290.03
3,612,096.73
3,464,642.16
3,316,925.86
3,168,947.37
3,020,706.21
2,872,201.92
2,723,434.04
2,574,402.10
2,425,105.62
2,275,544.15
2,125,717.20
1,975,624.31
1,825,265.00
1,674,638.81
1,523,745.25
1,372,583.86
1,221,154.16
1,069,455.67
917,487.92
765,250.42
612,742.70
459,964.28
306,914.68
153,593.41
-$
0.00

$
8,750,000
8,611,001.67
8,471,767.16
8,332,296.06
8,192,587.98
8,052,642.52
7,912,459.26
7,772,037.81
7,631,377.76
7,490,478.70
7,349,340.23
7,207,961.95
7,066,343.44
6,924,484.30
6,782,384.11
6,640,042.47
6,497,458.97
6,354,633.20
6,211,564.74
6,068,253.19
5,924,698.12
5,780,899.13
5,636,855.80
5,492,567.72
5,348,034.47
5,203,255.63
5,058,230.79
4,912,959.53
4,767,441.43
4,621,676.07
4,475,663.03
4,329,401.89
4,182,892.22
4,036,133.62
3,889,125.64
3,741,867.87
3,594,359.89
3,446,601.27
3,298,591.58
3,150,330.40
3,001,817.30
2,853,051.85
2,704,033.62
2,554,762.18
2,405,237.11
2,255,457.97
2,105,424.33
1,955,135.76
1,804,591.82
1,653,792.08
1,502,736.11
1,351,423.47
1,199,853.73
1,048,026.44
895,941.18
743,597.49
590,994.95
438,133.11
285,011.53
131,629.77
-$
22,012.61
MV
abonos ext.saldo final
8,750,000
8,606,342.29
8,462,516.99
8,318,523.89
8,174,362.79
8,030,033.51
7,885,535.84
7,740,869.60
7,596,034.57
7,451,030.57
7,305,857.40
7,160,514.86
7,015,002.76
6,869,320.89
6,723,469.06
6,577,447.07
6,431,254.72
6,284,891.81
6,138,358.14
5,991,653.52
5,844,777.75
5,697,730.62
5,550,511.93
5,403,121.49
5,255,559.09
5,107,824.54
4,959,917.63
4,811,838.16
4,663,585.93
4,515,160.74
4,366,562.39
4,217,790.68
4,068,845.39
3,919,726.34
3,770,433.31
3,620,966.11
3,471,324.54
3,321,508.38
3,171,517.43
3,021,351.50
2,871,010.37
2,720,493.84
2,569,801.71
2,418,933.77
2,267,889.82
2,116,669.66
1,965,273.07
1,813,699.85
1,661,949.79
1,510,022.69
1,357,918.35
1,205,636.55
1,053,177.08
900,539.75
747,724.34
594,730.65
441,558.46
288,207.57
134,677.78
-$
19,031.14
-$
172,919.38
MV

$
8,750,000
8,611,665.21
8,473,084.88
8,334,258.56
8,195,185.84
8,055,866.25
7,916,299.37
7,776,484.77
7,636,421.99
7,496,110.60
7,355,550.16
7,214,740.22
7,073,680.34
6,932,370.09
6,790,809.01
6,648,996.65
6,506,932.58
6,364,616.35
6,222,047.51
6,079,225.60
5,936,150.19
5,792,820.82
5,649,237.03
5,505,398.39
5,361,304.43
5,216,954.71
5,072,348.77
4,927,486.15
4,782,366.40
4,636,989.06
4,491,353.67
4,345,459.79
4,199,306.94
4,052,894.67
3,906,222.52
3,759,290.03
3,612,096.73
3,464,642.16
3,316,925.86
3,168,947.37
3,020,706.21
2,872,201.92
2,723,434.04
2,574,402.10
2,425,105.62
2,275,544.15
2,125,717.20
1,975,624.31
1,825,265.00
1,674,638.81
1,523,745.25
1,372,583.86
1,221,154.16
1,069,455.67
917,487.92
765,250.42
612,742.70
459,964.28
306,914.68
153,593.41
-$
0.00
8,750,000
8,602,258.96
8,463,661.93
8,324,818.89
8,185,729.41
8,046,393.04
7,906,809.35
7,766,977.90
7,626,898.24
7,486,569.95
7,345,992.57
7,205,165.67
7,064,088.80
6,922,761.52
6,781,183.38
6,639,353.94
6,497,272.76
6,354,939.38
6,212,353.36
6,069,514.24
5,926,421.59
5,783,074.95
5,639,473.87
5,495,617.90
5,351,506.58
SALDO FINAL
OMBIA
OCCIDENTE
NDA
5,207,139.47
5,062,516.10
4,917,636.03
4,772,498.79
4,627,103.94
4,481,451.01
4,335,539.55
4,189,369.09
4,042,939.18
3,896,249.36
3,749,299.16
3,602,088.13
3,454,615.80
3,306,881.70
3,158,885.38
3,010,626.36
2,862,104.18
2,713,318.38
2,564,268.48
2,414,954.02
2,265,374.52
2,115,529.53
1,965,418.55
1,815,041.13
1,664,396.79
1,513,485.06
1,362,305.45
1,210,857.51
1,059,140.74
907,154.67
754,898.84
602,372.74
449,575.91
296,507.87
143,168.14
-$
10,443.78
OMBIA
OCCIDENTE
NDA

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i.

cual es el monto de una inversion de

31,058.48 Int. Compuesto

EFECTIVO ANUAL EA=((1+TV)^n)-1

32,620.38 Int. Compuesto

EFECTIVO ANUAL EA=((1+TV)^n)-1

EFECTIVO ANUAL EA=((1+TV)^n)-1

5,373,348.52 dias ao real

eres capitalizable: a) anualmente,

ado a razn de 3.25% anual. Si el

que dia el sr lopez debera pagar invert$ 32,000 para dispponer de

si se van a invertir 100,000

un banco ofrece las siguientes alternativas de inversion

112,000 Interes Simple

112,000 Interes Compuesto

deposito a plazo fijo de un ao a una tasa de 11,5% capitalizable mensualmente

111,500 Interes Simple

111,500 Interes Compuesto

deposito a plazo fijo de un ao a una tasa

de 11,6% capitalizable trimestralmente

deposito a plazo fijo de un ao a una tasa

11,8% capitalizable semestralmente

105,819 Interes Simple

105,655 Interes Compuesto

XII (b) 20%

66,667 Interes Simple

62,092 Interes Compuesto

40,188 Interes Compuesto

XII (d) 40%

50,000 Interes Simple

40,000 Interes Simple

33,333 Interes Simple

18,593 Interes Compuesto

61,935 Interes Simple

55,800 Interes Compuesto

e van a invertir 100,000

a tasa de interes de 33%

el banco en esta opera

GTES TASAS DE INTERES

1.cuando analizamos los intereses pagados se puede determinar entre el

1-cuanto debe pagar juan por los intereses

1.cuando analizamos los intereses pagados se puede determinar entre el

KEILA JIMENEZ ALFARO

1-cuanto debe pagar juan por los intereses

1-cuanto debe pagar juan por los intereses

1-cuanto debe pagar juan por los intereses

periodo saldo inicial

1-cuanto debe pagar juan por los intereses

periodo saldo inicial

1-cuanto debe pagar juan por los intereses

abonos exsaldo final

abonos exsaldo final

abonos ext.saldo final

abonos exsaldo final

abonos exsaldo final

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