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1
Curso Matematicas Aplicada 2
Ing. Otto Callejas
TAREA NO. 1
EJERCICIO 8.4
4.
Cul ser el pago final que liquida una deuda de $23,000 contratada a
27% efectivo anual a paga mediante 3 pagos anuales vencidos de $10,000 y un
pago final que debe realizarse al termino de 4 aos?
5.
Una deuda de $7,250 se debe pagar en un ao mediante pagos
trimestrales iguales vencidos. Si el inters pactado es de 36% anual convertible
trimestralmente.
a) Determine el importe de cada pago
b) Construya una tabla de amortizacin.
VA
I
n
7,250
36%= 0.09
4
7,25 (0.09(1+0.09)
0 =
(1+0.09)-1
921.057
0.4115816
1
2,237.85
PERIOD SALDO INTERE AMORTIZAC
O
INICIAL
S
ION
PAGO
0
1
2
3
4
7,250
5,664.6
5
3.936.5
9
2,053.0
4
652.5
1,585.50
509.82
1,728.06
354.29
1,883.55
184.77
2,053.11
2,237.8
5
2,237.8
5
2,237.8
5
2,237.8
5
SALDO
FINAL
7,250
5,664.6
5
3,936.5
9
2,053.0
4
0
6.
Construya un cuadro de amortizaciones de pagos mensuales vencidos de $1,025
hasta la extincin total de una deuda de $5,800 pactada a 20 % anual convertible
mensualmente, calculando tambin el pago final que extinga la deuda.
VA
5,800
20% =
0.02/0.0166
12
I
n
1,025+16.59 = 1,041.59
PERIOD SALDO INTERE AMORTIZAC
O
INICIAL
S
ION
PAGO
0
1
96.28
928.72
80.86
944.14
65.19
959.85
49.26
975.74
5,800
4,871.2
8
3,927.1
4
2.967.3
3
1,991.5
9
33.06
991.94
999.65
16.59
1,008.04
2
3
4
1,025.0
0
1,025.0
0
1,025.0
0
1,025.0
0
1,025.0
0
1,025.0
0
SALDO
FINAL
5,800
5,800.0
0
4,871.2
8
3,927.1
4
2,967.3
3
1,991.5
9
0
7.
Una pareja de recin casados adquiere una casa en condominio que
cuesta &1, 600,000. Paga un enganche de $500,000 y acuerda pagar el resto
mediante 24 mensualidades iguales con 24% de inters convertible
mensualmente. Haga una tabla de amortizaciones que muestre los dos
primeros y los dos ltimos meses de la operacin.
VA
I
n
1,100,000
24% 0.02
24
1, 600,000-500,000= 1, 100,000
PERIOD
O
SALDO
INICIAL
INTERE AMORTIZAC
S
ION
PAGO
1,100,00
0
1.106,00
0
1,102,69
6
98,934.0
0
95,097.0
0
91,183
1,824
3,992
87,191
1,744
4,072
83,119
1,662
4,153
78,966
1,579
4,237
10
74,729
1,495
4,321
11
70,408
1,408
4,408
12
66,000
1,320
4,496
13
61,504
1,230
4,586
14
56,919
1,138
4,677
15
52,241
1,045
4,771
16
47,470
949
4,866
17
42,604
852
4,964
18
37,640
753
5,063
1
2
3
4
2,200
3,616
2,128
3,688
2,054
3,762
1,979
3,837
1,902
3,914
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
SALDO
FINAL
1,100,0
00
1.106,0
00
1,102,6
96
98,934.
00
95,097.
00
91,183
87,191
83,119
78,966
74,729
70,408
66,000
61,504
56,919
52,241
47,470
42,604
37,640
32,577
19
32,577
652
5,164
20
27,413
548
5,268
21
22,145
443
5,373
22
16,772
335
5,480
23
11,292
226
5,590
24
5,702
114
5,702
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
5,816.0
0
27,413
22,145
16,772
11,292
5,702
0
8.
Una persona adquiere un automvil que cuesta $135,000. Paga $40,500 en
efectivo y el resto con un prstamo de inters social otorgado por una institucin de
seguridad social que le cobra 0.4% quincenal de inters. Calcule el valor de los derechos
adquiridos por el comprador en el momento de realizar el vigsimo octavo pago si lo
acordado fue liquidar el saldo en 5 aos mediante pagos quincenales vencidos.
VA
I
n
94,500
0.4% = 0.04
120 quincenas
5*24
795.47
PERIOD
O
0
SALDO
INICIAL
#REF!
INTERE AMORTIZAC
S
ION
SALDO
FINAL
PAGO
1 94,500.00
$15.75
$92,924.81
$795.47
2 93,720.28
$15.62
$92,144.97
$795.47
3 92,940.44
$15.49
$91,364.99
$795.47
4 92,160.46
$15.36
$90,584.88
$795.47
5 91,380.35
$15.23
$89,804.65
$795.47
6 90,600.12
$15.10
$89,024.28
$795.47
7 89,819.75
$14.97
$88,243.78
$795.47
8 89,039.25
9 88,258.63
$14.84
$14.71
$87,463.16
$86,682.40
$795.47
$795.47
94,500.0
0
$93,720.
28
$92,940.
44
$92,160.
46
$91,380.
35
$90,600.
12
$89,819.
75
$89,039.
25
$88,258.
63
$87,477.
10 87,477.87
$14.58
$85,901.51
$795.47
11 86,696.98
$14.45
$85,120.49
$795.47
12 85,915.96
$14.32
$84,339.35
$795.47
13 85,134.82
$14.19
$83,558.07
$795.47
14 84,353.54
$14.06
$82,776.66
$795.47
15 83,572.13
$13.93
$81,995.12
$795.47
16 82,790.59
$13.80
$81,213.45
$795.47
17 82,008.92
$13.67
$80,431.65
$795.47
18 81,227.12
$13.54
$79,649.73
$795.47
19 80,445.20
$13.41
$78,867.67
$795.47
20 79,663.14
$13.28
$78,085.48
$795.47
21 78,880.95
$13.15
$77,303.16
$795.47
22 78,098.63
$13.02
$76,520.71
$795.47
23 77,316.18
$12.89
$75,738.13
$795.47
24 76,533.60
$12.76
$74,955.41
$795.47
25 75,750.88
$12.63
$74,172.57
$795.47
26 74,968.04
$12.49
$73,389.60
$795.47
27 74,185.07
$12.36
$72,606.50
$795.47
28 73,401.97
$12.23
$71,823.26
$795.47
29 72,618.73
$12.10
$71,039.90
$795.47
30 71,835.37
$11.97
$70,256.41
$795.47
31 71,051.88
$11.84
$69,472.78
$795.47
32 70,268.25
$11.71
$68,689.03
$795.47
33 69,484.50
$11.58
$67,905.14
$795.47
87
$86,696.
98
$85,915.
96
$85,134.
82
$84,353.
54
$83,572.
13
$82,790.
59
$82,008.
92
$81,227.
12
$80,445.
20
$79,663.
14
$78,880.
95
$78,098.
63
$77,316.
18
$76,533.
60
$75,750.
88
$74,968.
04
$74,185.
07
$73,401.
97
$72,618.
73
$71,835.
37
$71,051.
88
$70,268.
25
$69,484.
50
$68,700.
61
34 68,700.61
$11.45
$67,121.12
$795.47
35 67,916.59
$11.32
$66,336.98
$795.47
36 67,132.45
$11.19
$65,552.70
$795.47
37 66,348.17
$11.06
$64,768.29
$795.47
38 65,563.76
$10.93
$63,983.75
$795.47
39 64,779.22
$10.80
$63,199.08
$795.47
40 63,994.55
$10.67
$62,414.28
$795.47
41 63,209.75
$10.53
$61,629.35
$795.47
42 62,424.82
$10.40
$60,844.28
$795.47
43 61,639.75
$10.27
$60,059.09
$795.47
44 60,854.56
$10.14
$59,273.76
$795.47
45 60,069.23
$10.01
$58,488.31
$795.47
46 59,283.78
$9.88
$57,702.72
$795.47
47 58,498.19
$9.75
$56,917.01
$795.47
48 57,712.48
$9.62
$56,131.16
$795.47
49 56,926.63
$9.49
$55,345.18
$795.47
50 56,140.65
$9.36
$54,559.07
$795.47
51 55,354.54
$9.23
$53,772.83
$795.47
52 54,568.30
$9.09
$52,986.46
$795.47
53 53,781.93
$8.96
$52,199.95
$795.47
54 52,995.42
$8.83
$51,413.32
$795.47
55 52,208.79
$8.70
$50,626.55
$795.47
56 51,422.02
$8.57
$49,839.66
$795.47
57 50,635.13
58 49,848.10
$8.44
$8.31
$49,052.63
$48,265.47
$795.47
$795.47
$67,916.
59
$67,132.
45
$66,348.
17
$65,563.
76
$64,779.
22
$63,994.
55
$63,209.
75
$62,424.
82
$61,639.
75
$60,854.
56
$60,069.
23
$59,283.
78
$58,498.
19
$57,712.
48
$56,926.
63
$56,140.
65
$55,354.
54
$54,568.
30
$53,781.
93
$52,995.
42
$52,208.
79
$51,422.
02
$50,635.
13
$49,848.
10
$49,060.
59 49,060.94
$8.18
$47,478.18
$795.47
60 48,273.65
$8.05
$46,690.76
$795.47
61 47,486.23
$7.91
$45,903.21
$795.47
62 46,698.68
$7.78
$45,115.52
$795.47
63 45,910.99
$7.65
$44,327.71
$795.47
64 45,123.18
$7.52
$43,539.76
$795.47
65 44,335.23
$7.39
$42,751.68
$795.47
66 43,547.15
$7.26
$41,963.47
$795.47
67 42,758.94
$7.13
$41,175.13
$795.47
68 41,970.60
$7.00
$40,386.66
$795.47
69 41,182.13
$6.86
$39,598.06
$795.47
70 40,393.53
$6.73
$38,809.32
$795.47
71 39,604.79
$6.60
$38,020.46
$795.47
72 38,815.93
$6.47
$37,231.46
$795.47
73 38,026.93
$6.34
$36,442.33
$795.47
74 37,237.80
$6.21
$35,653.07
$795.47
75 36,448.54
$6.07
$34,863.68
$795.47
76 35,659.15
$5.94
$34,074.16
$795.47
77 34,869.63
$5.81
$33,284.50
$795.47
78 34,079.97
$5.68
$32,494.71
$795.47
79 33,290.18
$5.55
$31,704.79
$795.47
80 32,500.26
$5.42
$30,914.74
$795.47
81 31,710.21
$5.29
$30,124.56
$795.47
82 30,920.03
$5.15
$29,334.25
$795.47
94
$48,273.
65
$47,486.
23
$46,698.
68
$45,910.
99
$45,123.
18
$44,335.
23
$43,547.
15
$42,758.
94
$41,970.
60
$41,182.
13
$40,393.
53
$39,604.
79
$38,815.
93
$38,026.
93
$37,237.
80
$36,448.
54
$35,659.
15
$34,869.
63
$34,079.
97
$33,290.
18
$32,500.
26
$31,710.
21
$30,920.
03
$30,129.
72
83 30,129.72
$5.02
$28,543.80
$795.47
84 29,339.27
$4.89
$27,753.23
$795.47
85 28,548.70
$4.76
$26,962.52
$795.47
86 27,757.99
$4.63
$26,171.68
$795.47
87 26,967.15
$4.49
$25,380.70
$795.47
88 26,176.17
$4.36
$24,589.60
$795.47
89 25,385.07
$4.23
$23,798.36
$795.47
90 24,593.83
$4.10
$23,007.00
$795.47
91 23,802.47
$3.97
$22,215.50
$795.47
92 23,010.97
$3.84
$21,423.87
$795.47
93 22,219.34
$3.70
$20,632.10
$795.47
94 21,427.57
$3.57
$19,840.21
$795.47
95 20,635.68
$3.44
$19,048.18
$795.47
96 19,843.65
$3.31
$18,256.02
$795.47
97 19,051.49
$3.18
$17,463.73
$795.47
98 18,259.20
$3.04
$16,671.30
$795.47
99 17,466.77
$2.91
$15,878.75
$795.47
100 16,674.22
$2.78
$15,086.06
$795.47
101 15,881.53
$2.65
$14,293.24
$795.47
102 15,088.71
$2.51
$13,500.29
$795.47
103 14,295.76
$2.38
$12,707.20
$795.47
104 13,502.67
$2.25
$11,913.99
$795.47
105 12,709.46
$2.12
$11,120.64
$795.47
106 11,916.11
107 11,122.63
$1.99
$1.85
$10,327.16
$9,533.54
$795.47
$795.47
$29,339.
27
$28,548.
70
$27,757.
99
$26,967.
15
$26,176.
17
$25,385.
07
$24,593.
83
$23,802.
47
$23,010.
97
$22,219.
34
$21,427.
57
$20,635.
68
$19,843.
65
$19,051.
49
$18,259.
20
$17,466.
77
$16,674.
22
$15,881.
53
$15,088.
71
$14,295.
76
$13,502.
67
$12,709.
46
$11,916.
11
$11,122.
63
$10,329.
108 10,329.01
$1.72
$8,739.80
$795.47
109
9,535.27
$1.59
$7,945.92
$795.47
110
8,741.39
$1.46
$7,151.91
$795.47
111
7,947.38
$1.32
$6,357.77
$795.47
112
7,153.24
$1.19
$5,563.49
$795.47
113
6,358.96
$1.06
$4,769.09
$795.47
114
5,564.56
$0.93
$3,974.55
$795.47
115
4,770.02
$0.80
$3,179.88
$795.47
116
3,975.35
$0.66
$2,385.07
$795.47
117
3,180.54
$0.53
$1,590.14
$795.47
118
119
120
2,385.61
1,590.54
795.33
$0.40
$0.27
$0.13
$795.07
-$0.14
-$795.47
$795.47
$795.47
$795.47
01
$9,535.2
7
$8,741.3
9
$7,947.3
8
$7,153.2
4
$6,358.9
6
$5,564.5
6
$4,770.0
2
$3,975.3
5
$3,180.5
4
$2,385.6
1
$1,590.5
4
$795.33
$0.00
9.
En el ejercicio anterior Cul es el saldo en favor de la institucin de seguridad
social?
76,313.92
10.
El licenciado Montiel adquiere un crdito un despacho en condominio que cuesta
&185,000 pago 30% de enganche y se compromete a pagar el saldo mediante pagos
mensuales anticipados durante 3 aos. Si la tasa de inters que paga es de 14% anual
convertible mensualmente, Qu cantidad tendra que pagar el cabo del trigsimo mes
para adquirir la totalidad de los derechos sobre el despacho?
VA
I
n
185,500
14% = 0.011667
3 aos 36 meses
129,50 (0.011667(1+0.011667)
0 =
(1+0.011667)-1
185,500-55,500= 129,500
2,293.94
0.518284
4,426.03
PERIOD SALDO
O
INICIAL
INTERE
S
AMORTIZA
CION
PAGO
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
129,500
126,584.
85
1510.88
2,915.15
1476.87
2,949.16
123,636
120,652.
12
117,633.
74
114,580.
14
111,490.
92
108,365.
66
105,203.
93
102,005.
32
98,769.3
8
95,495.7
0
92,183.8
2
88,833.3
0
1442.46
2,983.57
1407.65
3,018.38
1372.43
3,053.60
1336.81
3,089.22
1300.76
3,125.26
1264.30
3,161.73
1227.41
3,198.61
1190.10
3,235.93
1152.34
3,273.69
1114.15
3,311.88
1075.51
3,350.52
1036.42
3,389.61
8,544.69
81,117.3
5
77,637.7
2
74,117.4
9
70,556.1
9
66,953.3
4
63,308.4
6
59,621.0
99.69
4,326.34
946.40
3,479.63
905.80
3,520.23
864.73
3,561.30
823.18
3,602.85
781.14
3,644.88
738.62
695.60
3,687.41
3,730.43
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
SALDO
FINAL
129,500
126584.8
5
123635.6
9
120652.1
2
117633.7
4
114580.1
4
111490.9
2
108365.6
6
105203.9
3
102005.3
2
98769.38
95495.70
92183.82
88833.30
85443.69
81117.35
77637.72
74117.49
70556.19
66953.34
63308.46
59621.05
55890.62
34
5
55,890.6
2
52,116.6
7
48,298.6
9
44,436.1
6
40,528.5
7
36,575.3
9
28,150.0
6
28,478.4
8
24,384.7
1
20,243.1
8
16,053.3
3
11,814.6
0
35
7,526.41
87.81
4,338.22
36
3,188.19
37.20
4,388.83
23
24
25
26
27
28
29
30
31
32
33
652.08
3,773.95
608.05
3,817.98
563.50
3,862.53
518.44
3,907.59
472.85
3,953.18
426.73
3,999.30
328.43
4,097.60
332.26
4,093.77
284.50
4,141.53
236.18
4,189.85
187.29
4,238.73
137.84
4,288.19
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
4,426.0
3
52116.67
48298.69
44436.16
40528.57
36575.39
32576.09
28478.48
24384.71
20243.18
16053.33
11814.60
7526.41
3188.19
-1200.64
11,
Con cuntos pagos semestrales iguales y vencidos de $9500 y un ltimo de
mayor cantidad cuanto se pagara la adquisicin de un terreno que cuesta $59540 si se
carga una tasa anual de 10.5% convertible mensualmente? Elabore la tabla de
amortizacin correspondiente.
PERIOD
O
0
1
2
SALDO
INICIAL
#REF!
59,540.0
0
56,165.8
5
INTERE AMORTIZAC
S
ION
0
$3,125.
85
$2,791.
21
0
$6,374.15
$6,708.79
PAGO
SALDO
FINAL
0
$9,500.
00
$9,500.
00
59,540.
00
$56,165
.85
$46,457
.06
3
4
5
6
7
46,457.0 $2,439.
6
00
39,396.0 $2,068.
5
29
31,964.3 $1,678.
5
13
24,142.4 $1,276.
7
48
15,909.9
5 $835.27
$7,061.00
$7,431.71
$7,821.87
$8,232.52
$15,909.96
$9,500.
00
$9,500.
00
$9,500.
00
$9,500.
00
$16,745
.23
$39,396
.05
$31,964
.35
$24,142
.47
$15,909
.95
$0.00
16.
En una operacin de crdito se salda una deuda de $15,000 mediante
pagos trimestrales vencido e iguales por $3,002.68 durante ao y medio. Cul es
la tasa de inters nominal anual con capitalizacin trimestral que se pag?
Cules eran los derechos del acreedor despus del tercer pago?