ANALISIS FINANCIERO

es un conjunto de tecnicas o herramientas que permite realizar calculos de invercion de

interpretar analisis financiero estados de resultados y tomar desiciones frente a esa info

que rendimiento nos da a 5000000 colocados en un cdt al 8,5% al cabo de un ao

presente
periodo
tasa

5000000
1
8.5%

valor futuro

($ 5,425,000.00) vencido
($ 5,425,000.00) anticipado

futuro
periodo
tasa

($ 5,425,000.00)
1
8.50%

valor presente

$ 5,000,000.00

tenemos un valor futuro de 3920000 que se btubieron de una inversion en un cdt al cabo

futuro
periodo
tasa
valor presente

presente
periodo
tasa
valor futuro

$ 3,920,000.00
1
12.00%
($ 3,500,000.00)

3500000
1
12.0%
($ 3,920,000.00)

Cuantos son los intereses que generan 6500000 invertidos a una tasa de interes del 2%

presente
periodo
tasa
valor futuro

6500000
7
2.0%
($ 7,466,456.84)

intereses

te realizar calculos de invercion de rendimiento y que a su vez permite analizar e

y tomar desiciones frente a esa informacion financiera

cdt al 8,5% al cabo de un ao

n de una inversion en un cdt al cabo de un ao con una tasa del 12% cual fue el valor inicial en el momento de

rtidos a una tasa de interes del 2% mensual al cabo de 7 meses

$ 966,456.84

nicial en el momento de invertir en el cdt

AMORTIZACION
Pagar en cuotas periodicas

se compra un carro por 33000000 que pagara en 5 aos a un interes de 1,1% efectivo m

capital
interes
periodos
cuota

33000000
1.10%
60
($ 754,234.34) total
intereses

periodo

capital
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

33000000
32608765.6619
32213227.746
31813338.9131
31409051.3031
31000316.5293
30587085.673
30169309.2773
29746937.3412
29319919.3138
28888204.0882
28451739.995
28010474.7969
27564355.6815
27113329.2559
26657341.5396
26196337.9584
25730263.3378
25259061.8964
24782677.2392
24301052.3507
23814129.5884
23321850.6758
22824156.6951
22320988.0806
21812284.6114
21297985.404

interes
363000
358696.422
354345.505
349946.728
345499.564
341003.482
336457.942
331862.402
327216.311
322519.112
317770.245
312969.14
308115.223
303207.912
298246.622
293230.757
288159.718
283032.897
277849.681
272609.45
267311.576
261955.425
256540.357
251065.724
245530.869
239935.131
234277.839

abono a capital
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($

391,234.34)
395,537.92)
399,888.83)
404,287.61)
408,734.77)
413,230.86)
417,776.40)
422,371.94)
427,018.03)
431,715.23)
436,464.09)
441,265.20)
446,119.12)
451,026.43)
455,987.72)
461,003.58)
466,074.62)
471,201.44)
476,384.66)
481,624.89)
486,922.76)
492,278.91)
497,693.98)
503,168.61)
508,703.47)
514,299.21)
519,956.50)

28
29
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45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60

20778028.9054
20252352.8852
19720894.4288
19183589.9294
18640375.0805
18091184.8683
17535953.5637
16974614.7148
16407101.1386
15833344.913
15253277.3689
14666829.0818
14073929.8636
13474508.754
12868494.0122
12255813.1082
11636392.7143
11010158.696
10377036.1036
9736949.16258
9089821.26525
8435574.96105
7774131.94751
7105413.06081
6429338.26637
5745826.64918
5054796.40421
4356164.82654
3649848.30151
2935762.29471
2213821.34184
1483939.03848
746028.029789

228558.318
222775.882
216929.839
211019.489
205044.126
199003.034
192895.489
186720.762
180478.113
174166.794
167786.051
161335.12
154813.228
148219.596
141553.434
134813.944
128000.32
121111.746
114147.397
107106.441
99988.0339
92791.3246
85515.4514
78159.5437
70722.7209
63204.0931
55602.7604
47917.8131
40148.3313
32293.3852
24352.0348
16323.3294
8206.30833

($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($

525,676.02)
531,458.46)
537,304.50)
543,214.85)
549,190.21)
555,231.30)
561,338.85)
567,513.58)
573,756.23)
580,067.54)
586,448.29)
592,899.22)
599,421.11)
606,014.74)
612,680.90)
619,420.39)
626,234.02)
633,122.59)
640,086.94)
647,127.90)
654,246.30)
661,443.01)
668,718.89)
676,074.79)
683,511.62)
691,030.24)
698,631.58)
706,316.53)
714,086.01)
721,940.95)
729,882.30)
737,911.01)
746,028.03)

os a un interes de 1,1% efectivo mensual periodo vencido determinar la cuota de amortizacion

($ 45,254,060.29)
($ 12,254,060.29)

saldo
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

33000000
32,608,765.66
32,213,227.75
31,813,338.91
31,409,051.30
31,000,316.53
30,587,085.67
30,169,309.28
29,746,937.34
29,319,919.31
28,888,204.09
28,451,740.00
28,010,474.80
27,564,355.68
27,113,329.26
26,657,341.54
26,196,337.96
25,730,263.34
25,259,061.90
24,782,677.24
24,301,052.35
23,814,129.59
23,321,850.68
22,824,156.70
22,320,988.08
21,812,284.61
21,297,985.40
20,778,028.91

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

20,252,352.89
19,720,894.43
19,183,589.93
18,640,375.08
18,091,184.87
17,535,953.56
16,974,614.71
16,407,101.14
15,833,344.91
15,253,277.37
14,666,829.08
14,073,929.86
13,474,508.75
12,868,494.01
12,255,813.11
11,636,392.71
11,010,158.70
10,377,036.10
$ 9,736,949.16
$ 9,089,821.27
$ 8,435,574.96
$ 7,774,131.95
$ 7,105,413.06
$ 6,429,338.27
$ 5,745,826.65
$ 5,054,796.40
$ 4,356,164.83
$ 3,649,848.30
$ 2,935,762.29
$ 2,213,821.34
$ 1,483,939.04
$ 746,028.03
($ 0.00)

DIEGO ANDRES LATORRE BELTRAN ID 000231355

se compra una casa con 98 millones que pagara en cuota fija durante 15 aos a un inter

capital
interes
periodos
cuota

98000000.00
0.70833%
180
($ 965,044.77)

periodo

capital
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

98000000
97729121.8999
97456325.079924
97181595.949139
96904920.820345
96626285.909389
96345677.33448
96063081.115499
95778483.1733
95491869.32901
95203225.303324
94912536.715789
94619789.084092
94324967.823337
94028058.245318
93729045.557789
93427914.863723
93124651.160574
92819239.339528
92511664.184749
92201910.372624
91889962.470996
91575804.938398
91259422.123278
90940798.263218
90619917.484149
90296763.799561
89971321.109707
89643573.200801
89313503.744206

total
intereses

interes
694166.66666667
692247.94679096
690315.63598279
688369.63797307
686409.85581078
684436.19185817
682448.5477859
680446.82456812
678430.92247754
676400.74108049
674356.17923188
672297.13507017
670223.50601232
668135.18874864
666032.07923767
663914.07270101
661781.06361804
659632.94572073
657469.61198832
655290.95464197
653096.86513942
650887.23416956
648661.95164699
646420.90670656
644163.98769779
641891.08217939
639602.07691356
637296.85786043
634975.31017234
632637.31818813

abono a capital
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($

270,878.10)
272,796.82)
274,729.13)
276,675.13)
278,634.91)
280,608.57)
282,596.22)
284,597.94)
286,613.84)
288,644.03)
290,688.59)
292,747.63)
294,821.26)
296,909.58)
299,012.69)
301,130.69)
303,263.70)
305,411.82)
307,575.15)
309,753.81)
311,947.90)
314,157.53)
316,382.82)
318,623.86)
320,880.78)
323,153.68)
325,442.69)
327,747.91)
330,069.46)
332,407.45)

31
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56
57
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69
70
71
72
73
74
75

88981096.295627
88646334.294287
88309201.062105
87969679.802861
87627753.601364
87283405.422607
86936618.110916
86587374.389102
86235656.857591
85881447.993565
85524730.150085
85165485.555215
84803696.311131
84439344.393234
84072411.649252
83702879.798334
83330730.430139
82955945.003918
82578504.847596
82198391.156832
81815584.994093
81430067.287701
81041818.830888
80650820.28084
80257052.157729
79860494.843745
79461128.582122
79058933.476144
78653889.488167
78245976.438608
77835174.004947
77421461.720715
77004818.97447
76585225.008772
76162658.91915
75737099.653061
75308526.008836
74876916.634631
74442250.02736
74004504.53162
73563658.338618
73119689.485083
72672575.852169
72222295.164354
71768824.988335

630282.76542736
627911.53458454
625523.50752324
623118.56527026
620696.58800966
618257.4550768
615801.04495232
613327.23525614
610835.90274127
608326.92328775
605800.17189644
603255.52268277
600692.84887051
598112.02278541
595512.91584887
592895.39857153
590259.34054682
587604.61044442
584931.0760038
582238.60402756
579527.06037482
576796.30995455
574046.21671879
571276.64365595
568487.45278391
565678.5051432
562849.66079003
560000.77878936
557131.71720785
554242.3331068
551332.48253504
548402.02052173
545450.80106916
542478.67714547
539485.50067732
536471.12254251
533435.39256259
530378.15949531
527299.27102713
524198.57376564
521075.91323188
517931.13385267
514764.07895286
511574.59074751
508362.51033404

($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($

334,762.00)
337,133.23)
339,521.26)
341,926.20)
344,348.18)
346,787.31)
349,243.72)
351,717.53)
354,208.86)
356,717.84)
359,244.59)
361,789.24)
364,351.92)
366,932.74)
369,531.85)
372,149.37)
374,785.43)
377,440.16)
380,113.69)
382,806.16)
385,517.71)
388,248.46)
390,998.55)
393,768.12)
396,557.31)
399,366.26)
402,195.11)
405,043.99)
407,913.05)
410,802.43)
413,712.28)
416,642.75)
419,593.97)
422,566.09)
425,559.27)
428,573.64)
431,609.37)
434,666.61)
437,745.50)
440,846.19)
443,968.85)
447,113.63)
450,280.69)
453,470.18)
456,682.26)

76
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85
86
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104
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107
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109
110
111
112
113
114
115
116
117
118
119
120

71312142.731902
70852225.642819
70389050.807689
69922595.150809
69452835.433027
68979748.250577
68503310.033919
68023497.046558
67540285.383871
67053650.971906
66563569.56619
66070016.750517
65572967.935733
65072398.358511
64568283.080116
64060596.985167
63549314.780378
63034410.993305
62515859.971074
61993635.879102
61467712.699812
60938064.231335
60404664.086207
59867485.69005
59326502.280254
58781686.904639
58233012.420113
57680451.491322
57123976.589285
56563559.990025
55999173.773188
55430789.820647
54858379.81511
54281915.2387
53701367.37154
53116707.290321
52527905.866861
51934933.766651
51337761.447397
50736359.157549
50130696.934815
49520744.604669
48906471.778852
48287847.853852
47664842.009383

505127.67768431
501869.93163664
498589.10988779
495285.0489849
491957.58431728
488606.55010826
485231.77940692
481833.10407979
478410.35480242
474963.361051
471491.95109385
467995.95198283
464475.18954477
460929.48837278
457358.67181749
453762.56197826
450140.97969434
446493.74453591
442820.67479511
439121.58747697
435396.29829033
431644.62163862
427866.37061063
424061.35697119
420229.3911518
416370.28224119
412483.8379758
408569.8647302
404628.16750744
400658.54992935
396660.81422675
392634.76122959
388580.19035703
384496.89960746
380384.68554841
376243.34330644
372072.66655693
367872.44751378
363642.47691906
359382.54403264
355092.43662161
350771.94094974
346420.84176687
342038.92229812
337625.96423313

($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($
($

459,917.09)
463,174.84)
466,455.66)
469,759.72)
473,087.18)
476,438.22)
479,812.99)
483,211.66)
486,634.41)
490,081.41)
493,552.82)
497,048.81)
500,569.58)
504,115.28)
507,686.09)
511,282.20)
514,903.79)
518,551.02)
522,224.09)
525,923.18)
529,648.47)
533,400.15)
537,178.40)
540,983.41)
544,815.38)
548,674.48)
552,560.93)
556,474.90)
560,416.60)
564,386.22)
568,383.95)
572,410.01)
576,464.58)
580,547.87)
584,660.08)
588,801.42)
592,972.10)
597,172.32)
601,402.29)
605,662.22)
609,952.33)
614,272.83)
618,623.93)
623,005.84)
627,418.80)

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158
159
160
161
162
163
164
165

47037423.206849
46405560.187797
45769221.47236
45128375.357689
44482989.916372
43833032.994846
43178472.211792
42519274.956526
41855408.387367
41186839.430011
40513534.775873
39835460.880435
39152583.961571
38464869.997865
37772284.726916
37074793.643631
36372361.998507
35664954.795896
34952536.792266
34235072.494444
33512526.157846
32784861.784697
32052043.122238
31314033.66092
30570796.632585
29822295.008632
29068491.498176
28309348.546188
27544828.331623
26774892.765538
25999503.489193
25218621.872141
24432209.010302
23640225.724025
22842632.556136
22039389.769975
21230457.347412
20415794.986856
19595362.101245
18769117.816029
17937020.967125
17099030.098875
16255103.461975
15405199.011397
14549274.404294

333181.74771518
328706.05133023
324198.65209588
319659.3254503
315087.84524097
310483.98371349
305847.5115002
301178.19760872
296475.80941052
291740.11262924
286970.8713291
282167.84790308
277330.80306113
272459.49581821
267553.68348232
262613.12164239
257637.56415609
252626.76313759
247580.46894522
242498.43016898
237380.39361808
232226.10430827
227035.30544919
221807.73843152
216543.14281414
211241.25631114
205901.81477875
200524.55220216
195109.20068233
189655.49042256
184163.14971512
178631.90492767
173061.48048964
167451.59887851
161801.98060596
156112.34420399
150382.40621083
144611.88115689
138800.48155049
132947.91786354
127053.89851714
121118.12986703
115140.31618899
109120.15966406
103057.36036375

($
($
($
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($
($
($
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($
($
($
($
($
($

631,863.02)
636,338.72)
640,846.11)
645,385.44)
649,956.92)
654,560.78)
659,197.26)
663,866.57)
668,568.96)
673,304.65)
678,073.90)
682,876.92)
687,713.96)
692,585.27)
697,491.08)
702,431.65)
707,407.20)
712,418.00)
717,464.30)
722,546.34)
727,664.37)
732,818.66)
738,009.46)
743,237.03)
748,501.62)
753,803.51)
759,142.95)
764,520.21)
769,935.57)
775,389.28)
780,881.62)
786,412.86)
791,983.29)
797,593.17)
803,242.79)
808,932.42)
814,662.36)
820,432.89)
826,244.29)
832,096.85)
837,990.87)
843,926.64)
849,904.45)
855,924.61)
861,987.41)

166
167
168
169
170
171
172
173
174
175
176
177
178
179
180

13687286.997891
12819193.847359
11944951.703677
11064517.011478
10177845.906875
9284894.2152819
8385617.4492064
7479970.8060378
6567909.1658135
5649387.0889709
4724358.8140841
3792778.2555834
2854599.0014601
1909774.3109533
958257.11222215

96951.616235059
90802.623085457
84610.074567713
78373.662164634
72093.0751737
65768.00069158
59398.123598545
52983.126542768
46522.689924512
40016.491880211
33464.208266429
26865.512643716
20220.076260342
13527.568035919
6787.6545449069

($
($
($
($
($
($
($
($
($
($
($
($
($
($
($

868,093.15)
874,242.14)
880,434.69)
886,671.10)
892,951.69)
899,276.77)
905,646.64)
912,061.64)
918,522.08)
925,028.27)
931,580.56)
938,179.25)
944,824.69)
951,517.20)
958,257.11)

En el periodo 83 pasa a ser mas el abono que los intereses ya que entre mas meses ava
Y al disminuir los intereses aumentara el abono a capital

urante 15 aos a un interes de 8,5% convertible mensual periodo vencido hallar la cuota periodica y hallar la ta

($ 173,708,058.02)
($ 75,708,058.02)

saldo
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

98000000
97,729,121.90
97,456,325.08
97,181,595.95
96,904,920.82
96,626,285.91
96,345,677.33
96,063,081.12
95,778,483.17
95,491,869.33
95,203,225.30
94,912,536.72
94,619,789.08
94,324,967.82
94,028,058.25
93,729,045.56
93,427,914.86
93,124,651.16
92,819,239.34
92,511,664.18
92,201,910.37
91,889,962.47
91,575,804.94
91,259,422.12
90,940,798.26
90,619,917.48
90,296,763.80
89,971,321.11
89,643,573.20
89,313,503.74
88,981,096.30

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

88,646,334.29
88,309,201.06
87,969,679.80
87,627,753.60
87,283,405.42
86,936,618.11
86,587,374.39
86,235,656.86
85,881,447.99
85,524,730.15
85,165,485.56
84,803,696.31
84,439,344.39
84,072,411.65
83,702,879.80
83,330,730.43
82,955,945.00
82,578,504.85
82,198,391.16
81,815,584.99
81,430,067.29
81,041,818.83
80,650,820.28
80,257,052.16
79,860,494.84
79,461,128.58
79,058,933.48
78,653,889.49
78,245,976.44
77,835,174.00
77,421,461.72
77,004,818.97
76,585,225.01
76,162,658.92
75,737,099.65
75,308,526.01
74,876,916.63
74,442,250.03
74,004,504.53
73,563,658.34
73,119,689.49
72,672,575.85
72,222,295.16
71,768,824.99
71,312,142.73

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

70,852,225.64
70,389,050.81
69,922,595.15
69,452,835.43
68,979,748.25
68,503,310.03
68,023,497.05
67,540,285.38
67,053,650.97
66,563,569.57
66,070,016.75
65,572,967.94
65,072,398.36
64,568,283.08
64,060,596.99
63,549,314.78
63,034,410.99
62,515,859.97
61,993,635.88
61,467,712.70
60,938,064.23
60,404,664.09
59,867,485.69
59,326,502.28
58,781,686.90
58,233,012.42
57,680,451.49
57,123,976.59
56,563,559.99
55,999,173.77
55,430,789.82
54,858,379.82
54,281,915.24
53,701,367.37
53,116,707.29
52,527,905.87
51,934,933.77
51,337,761.45
50,736,359.16
50,130,696.93
49,520,744.60
48,906,471.78
48,287,847.85
47,664,842.01
47,037,423.21

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

46,405,560.19
45,769,221.47
45,128,375.36
44,482,989.92
43,833,032.99
43,178,472.21
42,519,274.96
41,855,408.39
41,186,839.43
40,513,534.78
39,835,460.88
39,152,583.96
38,464,870.00
37,772,284.73
37,074,793.64
36,372,362.00
35,664,954.80
34,952,536.79
34,235,072.49
33,512,526.16
32,784,861.78
32,052,043.12
31,314,033.66
30,570,796.63
29,822,295.01
29,068,491.50
28,309,348.55
27,544,828.33
26,774,892.77
25,999,503.49
25,218,621.87
24,432,209.01
23,640,225.72
22,842,632.56
22,039,389.77
21,230,457.35
20,415,794.99
19,595,362.10
18,769,117.82
17,937,020.97
17,099,030.10
16,255,103.46
15,405,199.01
14,549,274.40
13,687,287.00

$
$
$
$

12,819,193.85
11,944,951.70
11,064,517.01
10,177,845.91
$ 9,284,894.22
$ 8,385,617.45
$ 7,479,970.81
$ 6,567,909.17
$ 5,649,387.09
$ 4,724,358.81
$ 3,792,778.26
$ 2,854,599.00
$ 1,909,774.31
$ 958,257.11
($ 0.00)

que entre mas meses avancen del pago sera menos el saldo y por lo tanto seran menos los intereses

riodica y hallar la tabla de amortizacion

intereses