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AMORTIZACION

1. ESTRUCTURAR UNA TABLA DE AMORTIZACION PARA UN PRESTAMO DE 1000000 A PAGAR A 5


CUOTAS ANUALES Y CONSECUTIVAS AL 10% ANUAL DE INTERES, CONSIDERANDO:
SISTEMA FRANCES
SISTEMA ALEMAN

SISTEMA FRANCES
Datos
Vo = 1000000 $
n= 5 pagos anueles
i= 10% anual

P Cp I(p-1;p) tp Tp Vp
0 - - - - 1,000,000.00
1 263,797.48 100,000.00 163,797.48 163,797.48 836,202.52
2 263,797.48 83,620.25 180,177.23 343,974.71 656,025.29
3 263,797.48 65,602.53 198,194.95 542,169.66 457,830.34
4 263,797.48 45,783.03 218,014.45 760,184.11 239,815.89
5 263,797.48 23,981.59 239,815.89 ### -
318,987.40

SISTEMA ALEMAN

P Cp I(p-1;p) tp Tp Vp
0 - - - - 1,000,000.00
1 300,000.00 100,000.00 200,000.00 200,000.00 800,000.00
2 280,000.00 80,000.00 200,000.00 400,000.00 600,000.00
3 260,000.00 60,000.00 200,000.00 600,000.00 400,000.00
4 240,000.00 40,000.00 200,000.00 800,000.00 200,000.00
5 220,000.00 20,000.00 200,000.00 ### -
300,000.00
2. SE OTORGA UN PRESTAMO DE 1000000 PARA SER AMORTIZADO EN 5 AOS, CON DOS AOS DE
GRACIA EN EL PAGO DE CAPITAL(DIFERIMIENTO EN EL PAGO DE CAPITAL), AL 10% ANUAL DE INTERES.
CONSTRUIR UN CUADRO DE AMORTIZACION(SISTEMA FRANCES Y SISTEMA ALEMAN) CONSIDERANDO:
DURANTE EL DIFERIMIENTO, NO SE COBRA LOS INTERESES PRESTAMOS DE FOMENTO
DURANTE EL DIFERIMIENTO SE PAGAN LOS INTERESES
DURANTE EL DIFERIMIENTO SE APLICA EL CRITERIO DE ANATOSISMO (NO SE PAGAN LOS
INTERESES, ESTOS SE ACUMULAN A LA DEUDA

SISTEMA FRANCES
Datos
Vo = 1000000 $
n= 5 aos
i= 10% anual
Nota.- 2 aos de gracia (diferimiento en el pago del capital).

a)No se cobran los intereses (prestamos de fomento).

P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 - - - - 1,000,000.00
2 - - - - 1,000,000.00
3 263,797.48 100,000.00 163,797.48 163,797.48 836,202.52
4 263,797.48 83,620.25 180,177.23 343,974.71 656,025.29
5 263,797.48 65,602.53 198,194.95 542,169.66 457,830.34
6 263,797.48 45,783.03 218,014.45 760,184.11 239,815.89
7 263,797.48 23,981.59 239,815.89 ### -
318,987.40

b)Si se pagan los intereses.

P Cp I(p-1;p) tp Tp Cp
0 1,000,000.00
1 100,000.00 100,000.00 - - 1,000,000.00
2 100,000.00 100,000.00 - - 1,000,000.00
3 263,797.48 100,000.00 163,797.48 163,797.48 836,202.52
4 263,797.48 83,620.25 180,177.23 343,974.71 656,025.29
5 263,797.48 65,602.53 198,194.95 542,169.66 457,830.34
6 263,797.48 45,783.03 218,014.45 760,184.11 239,815.89
7 263,797.48 23,981.59 239,815.89 ### -
c)No se pagan los intereses, estos se acumulan a la deuda (periodo de anatocismo).

P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 - 100,000.00 - - 1,100,000.00
2 - 110,000.00 - - 1,210,000.00
3 319,194.95 121,000.00 198,194.95 198,194.95 1,011,805.05
4 319,194.95 101,180.50 218,014.45 416,209.40 793,790.60
5 319,194.95 79,379.06 239,815.89 656,025.29 553,974.71
6 319,194.95 55,397.47 263,797.48 919,822.77 290,177.23
7 319,194.95 29,017.72 290,177.23 ### -

SISTEMA ALEMAN

a) No se cobran los intereses (prestamos de fomento).

P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 - - - - 1,000,000.00
2 - - - - 1,000,000.00
3 300,000.00 100,000.00 200,000.00 200,000.00 800,000.00
4 280,000.00 80,000.00 200,000.00 400,000.00 600,000.00
5 260,000.00 60,000.00 200,000.00 600,000.00 400,000.00
6 240,000.00 40,000.00 200,000.00 800,000.00 200,000.00
7 220,000.00 20,000.00 200,000.00 ### -

b)Si se pagan los intereses.

P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 100,000.00 100,000.00 - - 1,000,000.00
2 100,000.00 100,000.00 - - 1,000,000.00
3 300,000.00 100,000.00 200,000.00 200,000.00 800,000.00
4 280,000.00 80,000.00 200,000.00 400,000.00 600,000.00
5 260,000.00 60,000.00 200,000.00 600,000.00 400,000.00
6 240,000.00 40,000.00 200,000.00 800,000.00 200,000.00
7 220,000.00 20,000.00 200,000.00 ### -
c)No se pagan los intereses, estos se acumulan a la deuda (periodo de anatocismo).
P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 - 100,000.00 - - 1,100,000.00
2 - 110,000.00 - - 1,210,000.00
3 363,000.00 121,000.00 242,000.00 242,000.00 968,000.00
4 338,800.00 96,800.00 242,000.00 484,000.00 726,000.00
5 314,600.00 72,600.00 242,000.00 726,000.00 484,000.00
6 290,400.00 48,400.00 242,000.00 968,000.00 242,000.00
7 266,200.00 24,200.00 242,000.00 ### -

3. SE OTORGA UN CREDITO POR $1000000 SISTEMA FRANCES Y SISTEMA ALEMAN PARA SER
AMORTIZADOS EN 5 AOS ABONANDO INTERESES SEMESTRALES AL 10% EFECTIVO ANUAL Y
PAGANDO LA AMORTIZACION EN FORMA ANUAL:
CONSTRUIR UN CUADRO DE AMORTIZACION O PLAN DE PAGOS
SISTEMA FRANCES
Datos
Vo = 1000000
n= 5 aos FPI SEMESTRAL 4.88%
i= 10% anual FPK ANUAL 10%
P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 48,808.85 48,808.85 - - 1,000,000.00
2 212,606.33 48,808.85 163,797.48 163,797.48 836,202.52
3 40,814.08 40,814.08 - 163,797.48 836,202.52
4 220,991.31 40,814.08 180,177.23 343,974.71 656,025.29
5 40,814.08 40,814.08 - 343,974.71 656,025.29
6 230,214.79 32,019.84 198,194.95 542,169.66 457,830.34
7 32,019.84 32,019.84 - 542,169.66 457,830.34
8 240,360.62 22,346.17 218,014.45 760,184.11 239,815.89
9 22,346.17 22,346.17 - 760,184.11 239,815.89
10 251,521.03 11,705.14 239,815.89 ### -

SISTEMA ALEMAN
P Cp I(p-1;p) tp Tp Cp
0 - - - - 1,000,000.00
1 48,808.85 48,808.85 - - 1,000,000.00
2 248,808.85 48,808.85 200,000.00 200,000.00 800,000.00
3 39,047.08 39,047.08 - 200,000.00 800,000.00
4 239,047.08 39,047.08 200,000.00 400,000.00 600,000.00
5 29,285.31 29,285.31 - 400,000.00 600,000.00
6 229,285.31 29,285.31 200,000.00 600,000.00 400,000.00
7 19,523.54 19,523.54 - 600,000.00 400,000.00
8 219,523.54 19,523.54 200,000.00 800,000.00 200,000.00
9 9,761.77 9,761.77 - 800,000.00 200,000.00
10 209,761.77 9,761.77 200,000.00 1,000,000.00 -

4. CON LOS DATOS DEL EJERCICIO ANTERIOR PERO, CANCELANDO EL INTERES EN FORMA
TRIMESTRAL Y EL CAPITAL EN FORMA SEMESTRAL
Datos
Vo = 1000000
n= 5 aos FPI TRIMESTRAL 2.41%
i= 10% anual FPK SEMESTRAL 4.88%

SISTEMA FRANCES

P Cp I(p-1;p) tp Tp Vp
0 - - - - 1,000,000.00
1 104,061.35 24,113.69 79,947.66 79,947.66 920,052.34
2 22,185.86 22,185.86 - 79,947.66 920,052.34
3 106,035.67 22,185.86 83,849.82 163,797.48 836,202.52
4 20,163.93 20,163.93 - 163,797.48 836,202.52
5 108,106.36 20,163.93 87,942.43 251,739.91 748,260.09
6 18,043.31 18,043.31 - 251,739.91 748,260.09
7 110,278.11 18,043.31 92,234.80 343,974.71 656,025.29
8 15,819.19 15,819.19 - 343,974.71 656,025.29
9 112,555.86 15,819.19 96,736.67 440,711.38 559,288.62
10 13,486.51 13,486.51 - 440,711.38 559,288.62
11 114,944.79 13,486.51 101,458.28 542,169.66 457,830.34
12 11,039.98 11,039.98 - 542,169.66 457,830.34
13 117,450.32 11,039.98 106,410.34 648,580.00 351,420.00
14 8,474.03 8,474.03 - 648,580.00 351,420.00
15 120,078.14 8,474.03 111,604.11 760,184.11 239,815.89
16 5,782.85 5,782.85 - 760,184.11 239,815.89
17 122,834.22 5,782.85 117,051.37 877,235.48 122,764.52
18 2,960.31 2,960.31 - 877,235.48 122,764.52
19 125,724.82 2,960.31 122,764.52 ### -
20 - - - ### -
SISTEMA ALEMAN

P Cp I(p-1;p) tp Tp Vp
0 - - - - 1,000,000.00
1 24,113.69 24,113.69 - - 1,000,000.00
2 124,113.69 24,113.69 100,000.00 100,000.00 900,000.00
3 21,702.32 21,702.32 - 100,000.00 900,000.00
4 121,702.32 21,702.32 100,000.00 200,000.00 800,000.00
5 19,290.95 19,290.95 - 200,000.00 800,000.00
6 119,290.95 19,290.95 100,000.00 300,000.00 700,000.00
7 16,879.58 16,879.58 - 300,000.00 700,000.00
8 116,879.58 16,879.58 100,000.00 400,000.00 600,000.00
9 14,468.21 14,468.21 - 400,000.00 600,000.00
10 114,468.21 14,468.21 100,000.00 500,000.00 500,000.00
11 12,056.84 12,056.84 - 500,000.00 500,000.00
12 112,056.84 12,056.84 100,000.00 600,000.00 400,000.00
13 9,645.48 9,645.48 - 600,000.00 400,000.00
14 109,645.48 9,645.48 100,000.00 700,000.00 300,000.00
15 7,234.11 7,234.11 - 700,000.00 300,000.00
16 107,234.11 7,234.11 100,000.00 800,000.00 200,000.00
17 4,822.74 4,822.74 - 800,000.00 200,000.00
18 104,822.74 4,822.74 100,000.00 900,000.00 100,000.00
19 2,411.37 2,411.37 - 900,000.00 100,000.00
20 102,411.37 2,411.37 100,000.00 ### -

5. RODRIGO CONTRAE UN CREDITO EN EL BANCO QMLO S.A. POR $100000 Y PLAZO 10 AOS, CON
PAGOS MENSUAL DEL CAPITAL Y INTERESES, Y SISTEMA FRANCES. TAZA DEL PRESTAMO ES DEL
10%ANUAL, CALCULAR:
LA COUTA A PAGAR Y EL TOTAL DE INTERESES DE LA AMORTIZACION
LUEGO DE PAGAR LA CUOTA 84, RODRIGO REALIZA UN PAGO EXTRAORDINARIO DE $7000,
ADICIONALMENTE CAMBIA AL 8,5% ANUAL, CALCULAR LA NUEVA CUOTA DE CAPITAL SI DESEA
MANTENER EL PLAZO ORIGINAL DE SU OPERACIN PERO, CALCULAR LA MODALIDAD DE PAGO A
SEMESTRAL DE CAPITAL E INTERESES Y CAMBIAR EL SISTEMA DE AMORTIZACION POR EL SISTEMA
ALEMAN
Datos
Vo = 100000
n= 10 FPI Mensual 120
i= 10% anual FPK Mensual 0.80%

SISTEMA FRANCES
A)
P Cp I(p-1;p) tp Tp Vp
0 100,000.00
1 1,297.75 797.41 500.34 500.34 99,499.66
2 1,297.75 793.42 504.33 1,004.67 98,995.33
3 1,297.75 789.40 508.35 1,513.02 98,486.98
4 1,297.75 785.35 512.41 2,025.43 97,974.57
5 1,297.75 781.26 516.49 2,541.92 97,458.08
6 1,297.75 777.14 520.61 3,062.53 96,937.47
7 1,297.75 772.99 524.76 3,587.29 96,412.71
8 1,297.75 768.81 528.95 4,116.24 95,883.76
9 1,297.75 764.59 533.16 4,649.40 95,350.60
10 1,297.75 760.34 537.42 5,186.82 94,813.18
11 1,297.75 756.05 541.70 5,728.52 94,271.48
12 1,297.75 751.73 546.02 6,274.54 93,725.46
13 1,297.75 747.38 550.37 6,824.91 93,175.09
14 1,297.75 742.99 554.76 7,379.68 92,620.32
15 1,297.75 738.57 559.19 7,938.86 92,061.14
16 1,297.75 734.11 563.65 8,502.51 91,497.49
17 1,297.75 729.61 568.14 9,070.65 90,929.35
18 1,297.75 725.08 572.67 9,643.32 90,356.68
19 1,297.75 720.52 577.24 10,220.56 89,779.44
20 1,297.75 715.91 581.84 10,802.40 89,197.60
21 1,297.75 711.27 586.48 11,388.88 88,611.12
22 1,297.75 706.60 591.16 11,980.04 88,019.96
23 1,297.75 701.88 595.87 12,575.91 87,424.09
24 1,297.75 697.13 600.62 13,176.53 86,823.47
25 1,297.75 692.34 605.41 13,781.95 86,218.05
26 1,297.75 687.51 610.24 14,392.18 85,607.82
27 1,297.75 682.65 615.11 15,007.29 84,992.71
28 1,297.75 677.74 620.01 15,627.30 84,372.70
29 1,297.75 672.80 624.95 16,252.26 83,747.74
30 1,297.75 667.82 629.94 16,882.19 83,117.81
31 1,297.75 662.79 634.96 17,517.16 82,482.84
32 1,297.75 657.73 640.02 18,157.18 81,842.82
33 1,297.75 652.63 645.13 18,802.31 81,197.69
34 1,297.75 647.48 650.27 19,452.58 80,547.42
35 1,297.75 642.30 655.46 20,108.04 79,891.96
36 1,297.75 637.07 660.68 20,768.73 79,231.27
37 1,297.75 631.80 665.95 21,434.68 78,565.32
38 1,297.75 626.49 671.26 22,105.94 77,894.06
39 1,297.75 621.14 676.62 22,782.56 77,217.44
40 1,297.75 615.74 682.01 23,464.57 76,535.43
41 1,297.75 610.30 687.45 24,152.02 75,847.98
42 1,297.75 604.82 692.93 24,844.95 75,155.05
43 1,297.75 599.30 698.46 25,543.41 74,456.59
44 1,297.75 593.73 704.03 26,247.44 73,752.56
45 1,297.75 588.11 709.64 26,957.08 73,042.92
46 1,297.75 582.45 715.30 27,672.38 72,327.62
47 1,297.75 576.75 721.00 28,393.38 71,606.62
48 1,297.75 571.00 726.75 29,120.14 70,879.86
49 1,297.75 565.21 732.55 29,852.69 70,147.31
50 1,297.75 559.36 738.39 30,591.08 69,408.92
51 1,297.75 553.48 744.28 31,335.35 68,664.65
52 1,297.75 547.54 750.21 32,085.57 67,914.43
53 1,297.75 541.56 756.20 32,841.76 67,158.24
54 1,297.75 535.53 762.23 33,603.99 66,396.01
55 1,297.75 529.45 768.30 34,372.29 65,627.71
56 1,297.75 523.32 774.43 35,146.72 64,853.28
57 1,297.75 517.15 780.61 35,927.33 64,072.67
58 1,297.75 510.92 786.83 36,714.16 63,285.84
59 1,297.75 504.65 793.10 37,507.26 62,492.74
60 1,297.75 498.33 799.43 38,306.69 61,693.31
61 1,297.75 491.95 805.80 39,112.49 60,887.51
62 1,297.75 485.53 812.23 39,924.72 60,075.28
63 1,297.75 479.05 818.71 40,743.43 59,256.57
64 1,297.75 472.52 825.23 41,568.66 58,431.34
65 1,297.75 465.94 831.81 42,400.48 57,599.52
66 1,297.75 459.31 838.45 43,238.93 56,761.07
67 1,297.75 452.62 845.13 44,084.06 55,915.94
68 1,297.75 445.88 851.87 44,935.93 55,064.07
69 1,297.75 439.09 858.67 45,794.60 54,205.40
70 1,297.75 432.24 865.51 46,660.11 53,339.89
71 1,297.75 425.34 872.41 47,532.53 52,467.47
72 1,297.75 418.38 879.37 48,411.90 51,588.10
73 1,297.75 411.37 886.38 49,298.28 50,701.72
74 1,297.75 404.30 893.45 50,191.74 49,808.26
75 1,297.75 397.18 900.58 51,092.31 48,907.69
76 1,297.75 390.00 907.76 52,000.07 47,999.93
77 1,297.75 382.76 915.00 52,915.07 47,084.93
78 1,297.75 375.46 922.29 53,837.36 46,162.64
79 1,297.75 368.11 929.65 54,767.01 45,232.99
80 1,297.75 360.69 937.06 55,704.07 44,295.93
81 1,297.75 353.22 944.53 56,648.60 43,351.40
82 1,297.75 345.69 952.06 57,600.66 42,399.34
83 1,297.75 338.10 959.66 58,560.32 41,439.68
84 1,297.75 330.45 967.31 59,527.63 40,472.37
85 1,297.75 322.73 975.02 60,502.65 39,497.35
86 1,297.75 314.96 982.80 61,485.45 38,514.55
87 1,297.75 307.12 990.63 62,476.08 37,523.92
88 1,297.75 299.22 998.53 63,474.62 36,525.38
89 1,297.75 291.26 1,006.50 64,481.11 35,518.89
90 1,297.75 283.23 1,014.52 65,495.63 34,504.37
91 1,297.75 275.14 1,022.61 66,518.25 33,481.75
92 1,297.75 266.99 1,030.77 67,549.01 32,450.99
93 1,297.75 258.77 1,038.99 68,588.00 31,412.00
94 1,297.75 250.48 1,047.27 69,635.27 30,364.73
95 1,297.75 242.13 1,055.62 70,690.89 29,309.11
96 1,297.75 233.71 1,064.04 71,754.93 28,245.07
97 1,297.75 225.23 1,072.52 72,827.46 27,172.54
98 1,297.75 216.68 1,081.08 73,908.53 26,091.47
99 1,297.75 208.06 1,089.70 74,998.23 25,001.77
100 1,297.75 199.37 1,098.39 76,096.62 23,903.38
101 1,297.75 190.61 1,107.15 77,203.76 22,796.24
102 1,297.75 181.78 1,115.97 78,319.74 21,680.26
103 1,297.75 172.88 1,124.87 79,444.61 20,555.39
104 1,297.75 163.91 1,133.84 80,578.45 19,421.55
105 1,297.75 154.87 1,142.88 81,721.34 18,278.66
106 1,297.75 145.76 1,152.00 82,873.34 17,126.66
107 1,297.75 136.57 1,161.18 84,034.52 15,965.48
108 1,297.75 127.31 1,170.44 85,204.96 14,795.04
109 1,297.75 117.98 1,179.78 86,384.74 13,615.26
110 1,297.75 108.57 1,189.18 87,573.93 12,426.07
111 1,297.75 99.09 1,198.67 88,772.59 11,227.41
112 1,297.75 89.53 1,208.23 89,980.82 10,019.18
113 1,297.75 79.89 1,217.86 91,198.68 8,801.32
114 1,297.75 70.18 1,227.57 92,426.25 7,573.75
115 1,297.75 60.39 1,237.36 93,663.61 6,336.39
116 1,297.75 50.53 1,247.23 94,910.84 5,089.16
117 1,297.75 40.58 1,257.17 96,168.01 3,831.99
118 1,297.75 30.56 1,267.20 97,435.21 2,564.79
119 1,297.75 20.45 1,277.30 98,712.51 1,287.49
120 1,297.75 10.27 1,287.49 100,000.00 0.00
55,730.56
B) Datos

V84= 40,472.37
- 7000
Vo = 33,472.37
n= 6 Semestre FPI Semestral
i= 8.50% Anual FPK Semestral

SISTEMA ALEMAN

P Cp I(p-1;p) tp Tp Vp
0 33,472.37
1 6,972.29 1,393.57 5,578.73 5,578.73 27,893.64
2 6,740.03 1,161.31 5,578.73 11,157.46 22,314.91
3 6,507.77 929.04 5,578.73 16,736.19 16,736.19
4 6,275.51 696.78 5,578.73 22,314.91 11,157.46
5 6,043.25 464.52 5,578.73 27,893.64 5,578.73
6 5,810.99 232.26 5,578.73 33,472.37 0.00
4,877.48

6. UN PRESTAMO DE PESOS 1000000A PAGAR EN 240 CUOTAS MENSUALES DE CAPITAL E SE


CONTRAE INTERESES AL 12% ANUAL CAPITALIZABLE MENSUALMENTE SI LA AMORTIZACION DE
CAPITAL ES CONSTANTE DETERMINAR EL TOTAL DE INTERESES A PAGAR POR TODAS LA OPERACIN Y
LUEGO DE PAGA LA CUOTA228, SE PAGAUNA CUOTA EXTRAORDINARIA DE $1000 Y ADEMAS LA TASA
DE INTERESES SUBEN EN 2PUNTOS PORCENTUALES, DETERMINAR:
EL NUEVO PLAN DE PAGOS CORRESPONDIENTE A LA REPROGRAMACION DE LA DEUDA Y NUEVAS
CONDICIONES: AMPLIACION DE 1AO DEL PLAZO ORIGINAL, LOS INTERESES Y CAPITAL SE PAGAN
SEMESTRALMENTE( SISTEMA FRANCES)

6.- Datos
V0 = 100000
n= 240 Cuotas Mensual
i= 12% a.c.m. 1%

a) SISTEMA ALEMAN (Amortizacion de capital constante).


P Cp I(p-1;p) tp Tp Vp
0 - - - - 100,000.00
1 1,416.67 1,000.00 416.67 416.67 99,583.33
2 1,412.50 995.83 416.67 833.33 99,166.67
3 1,408.33 991.67 416.67 1,250.00 98,750.00
4 1,404.17 987.50 416.67 1,666.67 98,333.33
5 1,400.00 983.33 416.67 2,083.33 97,916.67
6 1,395.83 979.17 416.67 2,500.00 97,500.00
7 1,391.67 975.00 416.67 2,916.67 97,083.33
8 1,387.50 970.83 416.67 3,333.33 96,666.67
9 1,383.33 966.67 416.67 3,750.00 96,250.00
10 1,379.17 962.50 416.67 4,166.67 95,833.33
11 1,375.00 958.33 416.67 4,583.33 95,416.67
12 1,370.83 954.17 416.67 5,000.00 95,000.00
13 1,366.67 950.00 416.67 5,416.67 94,583.33
14 1,362.50 945.83 416.67 5,833.33 94,166.67
15 1,358.33 941.67 416.67 6,250.00 93,750.00
16 1,354.17 937.50 416.67 6,666.67 93,333.33
17 1,350.00 933.33 416.67 7,083.33 92,916.67
18 1,345.83 929.17 416.67 7,500.00 92,500.00
19 1,341.67 925.00 416.67 7,916.67 92,083.33
20 1,337.50 920.83 416.67 8,333.33 91,666.67
21 1,333.33 916.67 416.67 8,750.00 91,250.00
22 1,329.17 912.50 416.67 9,166.67 90,833.33
23 1,325.00 908.33 416.67 9,583.33 90,416.67
24 1,320.83 904.17 416.67 10,000.00 90,000.00
25 1,316.67 900.00 416.67 10,416.67 89,583.33
26 1,312.50 895.83 416.67 10,833.33 89,166.67
27 1,308.33 891.67 416.67 11,250.00 88,750.00
28 1,304.17 887.50 416.67 11,666.67 88,333.33
29 1,300.00 883.33 416.67 12,083.33 87,916.67
30 1,295.83 879.17 416.67 12,500.00 87,500.00
31 1,291.67 875.00 416.67 12,916.67 87,083.33
32 1,287.50 870.83 416.67 13,333.33 86,666.67
33 1,283.33 866.67 416.67 13,750.00 86,250.00
34 1,279.17 862.50 416.67 14,166.67 85,833.33
35 1,275.00 858.33 416.67 14,583.33 85,416.67
36 1,270.83 854.17 416.67 15,000.00 85,000.00
37 1,266.67 850.00 416.67 15,416.67 84,583.33
38 1,262.50 845.83 416.67 15,833.33 84,166.67
39 1,258.33 841.67 416.67 16,250.00 83,750.00
40 1,254.17 837.50 416.67 16,666.67 83,333.33
41 1,250.00 833.33 416.67 17,083.33 82,916.67
42 1,245.83 829.17 416.67 17,500.00 82,500.00
43 1,241.67 825.00 416.67 17,916.67 82,083.33
44 1,237.50 820.83 416.67 18,333.33 81,666.67
45 1,233.33 816.67 416.67 18,750.00 81,250.00
46 1,229.17 812.50 416.67 19,166.67 80,833.33
47 1,225.00 808.33 416.67 19,583.33 80,416.67
48 1,220.83 804.17 416.67 20,000.00 80,000.00
49 1,216.67 800.00 416.67 20,416.67 79,583.33
50 1,212.50 795.83 416.67 20,833.33 79,166.67
51 1,208.33 791.67 416.67 21,250.00 78,750.00
52 1,204.17 787.50 416.67 21,666.67 78,333.33
53 1,200.00 783.33 416.67 22,083.33 77,916.67
54 1,195.83 779.17 416.67 22,500.00 77,500.00
55 1,191.67 775.00 416.67 22,916.67 77,083.33
56 1,187.50 770.83 416.67 23,333.33 76,666.67
57 1,183.33 766.67 416.67 23,750.00 76,250.00
58 1,179.17 762.50 416.67 24,166.67 75,833.33
59 1,175.00 758.33 416.67 24,583.33 75,416.67
60 1,170.83 754.17 416.67 25,000.00 75,000.00
61 1,166.67 750.00 416.67 25,416.67 74,583.33
62 1,162.50 745.83 416.67 25,833.33 74,166.67
63 1,158.33 741.67 416.67 26,250.00 73,750.00
64 1,154.17 737.50 416.67 26,666.67 73,333.33
65 1,150.00 733.33 416.67 27,083.33 72,916.67
66 1,145.83 729.17 416.67 27,500.00 72,500.00
67 1,141.67 725.00 416.67 27,916.67 72,083.33
68 1,137.50 720.83 416.67 28,333.33 71,666.67
69 1,133.33 716.67 416.67 28,750.00 71,250.00
70 1,129.17 712.50 416.67 29,166.67 70,833.33
71 1,125.00 708.33 416.67 29,583.33 70,416.67
72 1,120.83 704.17 416.67 30,000.00 70,000.00
73 1,116.67 700.00 416.67 30,416.67 69,583.33
74 1,112.50 695.83 416.67 30,833.33 69,166.67
75 1,108.33 691.67 416.67 31,250.00 68,750.00
76 1,104.17 687.50 416.67 31,666.67 68,333.33
77 1,100.00 683.33 416.67 32,083.33 67,916.67
78 1,095.83 679.17 416.67 32,500.00 67,500.00
79 1,091.67 675.00 416.67 32,916.67 67,083.33
80 1,087.50 670.83 416.67 33,333.33 66,666.67
81 1,083.33 666.67 416.67 33,750.00 66,250.00
82 1,079.17 662.50 416.67 34,166.67 65,833.33
83 1,075.00 658.33 416.67 34,583.33 65,416.67
84 1,070.83 654.17 416.67 35,000.00 65,000.00
85 1,066.67 650.00 416.67 35,416.67 64,583.33
86 1,062.50 645.83 416.67 35,833.33 64,166.67
87 1,058.33 641.67 416.67 36,250.00 63,750.00
88 1,054.17 637.50 416.67 36,666.67 63,333.33
89 1,050.00 633.33 416.67 37,083.33 62,916.67
90 1,045.83 629.17 416.67 37,500.00 62,500.00
91 1,041.67 625.00 416.67 37,916.67 62,083.33
92 1,037.50 620.83 416.67 38,333.33 61,666.67
93 1,033.33 616.67 416.67 38,750.00 61,250.00
94 1,029.17 612.50 416.67 39,166.67 60,833.33
95 1,025.00 608.33 416.67 39,583.33 60,416.67
96 1,020.83 604.17 416.67 40,000.00 60,000.00
97 1,016.67 600.00 416.67 40,416.67 59,583.33
98 1,012.50 595.83 416.67 40,833.33 59,166.67
99 1,008.33 591.67 416.67 41,250.00 58,750.00
100 1,004.17 587.50 416.67 41,666.67 58,333.33
101 1,000.00 583.33 416.67 42,083.33 57,916.67
102 995.83 579.17 416.67 42,500.00 57,500.00
103 991.67 575.00 416.67 42,916.67 57,083.33
104 987.50 570.83 416.67 43,333.33 56,666.67
105 983.33 566.67 416.67 43,750.00 56,250.00
106 979.17 562.50 416.67 44,166.67 55,833.33
107 975.00 558.33 416.67 44,583.33 55,416.67
108 970.83 554.17 416.67 45,000.00 55,000.00
109 966.67 550.00 416.67 45,416.67 54,583.33
110 962.50 545.83 416.67 45,833.33 54,166.67
111 958.33 541.67 416.67 46,250.00 53,750.00
112 954.17 537.50 416.67 46,666.67 53,333.33
113 950.00 533.33 416.67 47,083.33 52,916.67
114 945.83 529.17 416.67 47,500.00 52,500.00
115 941.67 525.00 416.67 47,916.67 52,083.33
116 937.50 520.83 416.67 48,333.33 51,666.67
117 933.33 516.67 416.67 48,750.00 51,250.00
118 929.17 512.50 416.67 49,166.67 50,833.33
119 925.00 508.33 416.67 49,583.33 50,416.67
120 920.83 504.17 416.67 50,000.00 50,000.00
121 916.67 500.00 416.67 50,416.67 49,583.33
122 912.50 495.83 416.67 50,833.33 49,166.67
123 908.33 491.67 416.67 51,250.00 48,750.00
124 904.17 487.50 416.67 51,666.67 48,333.33
125 900.00 483.33 416.67 52,083.33 47,916.67
126 895.83 479.17 416.67 52,500.00 47,500.00
127 891.67 475.00 416.67 52,916.67 47,083.33
128 887.50 470.83 416.67 53,333.33 46,666.67
129 883.33 466.67 416.67 53,750.00 46,250.00
130 879.17 462.50 416.67 54,166.67 45,833.33
131 875.00 458.33 416.67 54,583.33 45,416.67
132 870.83 454.17 416.67 55,000.00 45,000.00
133 866.67 450.00 416.67 55,416.67 44,583.33
134 862.50 445.83 416.67 55,833.33 44,166.67
135 858.33 441.67 416.67 56,250.00 43,750.00
136 854.17 437.50 416.67 56,666.67 43,333.33
137 850.00 433.33 416.67 57,083.33 42,916.67
138 845.83 429.17 416.67 57,500.00 42,500.00
139 841.67 425.00 416.67 57,916.67 42,083.33
140 837.50 420.83 416.67 58,333.33 41,666.67
141 833.33 416.67 416.67 58,750.00 41,250.00
142 829.17 412.50 416.67 59,166.67 40,833.33
143 825.00 408.33 416.67 59,583.33 40,416.67
144 820.83 404.17 416.67 60,000.00 40,000.00
145 816.67 400.00 416.67 60,416.67 39,583.33
146 812.50 395.83 416.67 60,833.33 39,166.67
147 808.33 391.67 416.67 61,250.00 38,750.00
148 804.17 387.50 416.67 61,666.67 38,333.33
149 800.00 383.33 416.67 62,083.33 37,916.67
150 795.83 379.17 416.67 62,500.00 37,500.00
151 791.67 375.00 416.67 62,916.67 37,083.33
152 787.50 370.83 416.67 63,333.33 36,666.67
153 783.33 366.67 416.67 63,750.00 36,250.00
154 779.17 362.50 416.67 64,166.67 35,833.33
155 775.00 358.33 416.67 64,583.33 35,416.67
156 770.83 354.17 416.67 65,000.00 35,000.00
157 766.67 350.00 416.67 65,416.67 34,583.33
158 762.50 345.83 416.67 65,833.33 34,166.67
159 758.33 341.67 416.67 66,250.00 33,750.00
160 754.17 337.50 416.67 66,666.67 33,333.33
161 750.00 333.33 416.67 67,083.33 32,916.67
162 745.83 329.17 416.67 67,500.00 32,500.00
163 741.67 325.00 416.67 67,916.67 32,083.33
164 737.50 320.83 416.67 68,333.33 31,666.67
165 733.33 316.67 416.67 68,750.00 31,250.00
166 729.17 312.50 416.67 69,166.67 30,833.33
167 725.00 308.33 416.67 69,583.33 30,416.67
168 720.83 304.17 416.67 70,000.00 30,000.00
169 716.67 300.00 416.67 70,416.67 29,583.33
170 712.50 295.83 416.67 70,833.33 29,166.67
171 708.33 291.67 416.67 71,250.00 28,750.00
172 704.17 287.50 416.67 71,666.67 28,333.33
173 700.00 283.33 416.67 72,083.33 27,916.67
174 695.83 279.17 416.67 72,500.00 27,500.00
175 691.67 275.00 416.67 72,916.67 27,083.33
176 687.50 270.83 416.67 73,333.33 26,666.67
177 683.33 266.67 416.67 73,750.00 26,250.00
178 679.17 262.50 416.67 74,166.67 25,833.33
179 675.00 258.33 416.67 74,583.33 25,416.67
180 670.83 254.17 416.67 75,000.00 25,000.00
181 666.67 250.00 416.67 75,416.67 24,583.33
182 662.50 245.83 416.67 75,833.33 24,166.67
183 658.33 241.67 416.67 76,250.00 23,750.00
184 654.17 237.50 416.67 76,666.67 23,333.33
185 650.00 233.33 416.67 77,083.33 22,916.67
186 645.83 229.17 416.67 77,500.00 22,500.00
187 641.67 225.00 416.67 77,916.67 22,083.33
188 637.50 220.83 416.67 78,333.33 21,666.67
189 633.33 216.67 416.67 78,750.00 21,250.00
190 629.17 212.50 416.67 79,166.67 20,833.33
191 625.00 208.33 416.67 79,583.33 20,416.67
192 620.83 204.17 416.67 80,000.00 20,000.00
193 616.67 200.00 416.67 80,416.67 19,583.33
194 612.50 195.83 416.67 80,833.33 19,166.67
195 608.33 191.67 416.67 81,250.00 18,750.00
196 604.17 187.50 416.67 81,666.67 18,333.33
197 600.00 183.33 416.67 82,083.33 17,916.67
198 595.83 179.17 416.67 82,500.00 17,500.00
199 591.67 175.00 416.67 82,916.67 17,083.33
200 587.50 170.83 416.67 83,333.33 16,666.67
201 583.33 166.67 416.67 83,750.00 16,250.00
202 579.17 162.50 416.67 84,166.67 15,833.33
203 575.00 158.33 416.67 84,583.33 15,416.67
204 570.83 154.17 416.67 85,000.00 15,000.00
205 566.67 150.00 416.67 85,416.67 14,583.33
206 562.50 145.83 416.67 85,833.33 14,166.67
207 558.33 141.67 416.67 86,250.00 13,750.00
208 554.17 137.50 416.67 86,666.67 13,333.33
209 550.00 133.33 416.67 87,083.33 12,916.67
210 545.83 129.17 416.67 87,500.00 12,500.00
211 541.67 125.00 416.67 87,916.67 12,083.33
212 537.50 120.83 416.67 88,333.33 11,666.67
213 533.33 116.67 416.67 88,750.00 11,250.00
214 529.17 112.50 416.67 89,166.67 10,833.33
215 525.00 108.33 416.67 89,583.33 10,416.67
216 520.83 104.17 416.67 90,000.00 10,000.00
217 516.67 100.00 416.67 90,416.67 9,583.33
218 512.50 95.83 416.67 90,833.33 9,166.67
219 508.33 91.67 416.67 91,250.00 8,750.00
220 504.17 87.50 416.67 91,666.67 8,333.33
221 500.00 83.33 416.67 92,083.33 7,916.67
222 495.83 79.17 416.67 92,500.00 7,500.00
223 491.67 75.00 416.67 92,916.67 7,083.33
224 487.50 70.83 416.67 93,333.33 6,666.67
225 483.33 66.67 416.67 93,750.00 6,250.00
226 479.17 62.50 416.67 94,166.67 5,833.33
227 475.00 58.33 416.67 94,583.33 5,416.67
228 470.83 54.17 416.67 95,000.00 5,000.00
229 466.67 50.00 416.67 95,416.67 4,583.33
230 462.50 45.83 416.67 95,833.33 4,166.67
231 458.33 41.67 416.67 96,250.00 3,750.00
232 454.17 37.50 416.67 96,666.67 3,333.33
233 450.00 33.33 416.67 97,083.33 2,916.67
234 445.83 29.17 416.67 97,500.00 2,500.00
235 441.67 25.00 416.67 97,916.67 2,083.33
236 437.50 20.83 416.67 98,333.33 1,666.67
237 433.33 16.67 416.67 98,750.00 1,250.00
238 429.17 12.50 416.67 99,166.67 833.33
239 425.00 8.33 416.67 99,583.33 416.67
240 420.83 4.17 416.67 100,000.00 -
120,500.00

b) SISTEMA FRANCES

V= 5,000.00
-c= 1000
Vo= 4,000.00 12 Cuotas Mensuales
i= 14% a.c.m. 1.67% Mensual

P Cp I(p-1;p) tp Tp Vp
228 - - - - 4,000.00
229 370.54 66.67 303.87 303.87 3,696.13
230 370.54 61.60 308.94 612.81 3,387.19
231 370.54 56.45 314.08 926.89 3,073.11
232 370.54 51.22 319.32 1,246.21 2,753.79
233 370.54 45.90 324.64 1,570.85 2,429.15
234 370.54 40.49 330.05 1,900.91 2,099.09
235 370.54 34.98 335.55 2,236.46 1,763.54
236 370.54 29.39 341.15 2,577.60 1,422.40
237 370.54 23.71 346.83 2,924.44 1,075.56
238 370.54 17.93 352.61 3,277.05 722.95
239 370.54 12.05 358.49 3,635.54 364.46
240 370.54 6.07 364.46 4,000.00 -

7. ELABORE UNATABLA DE AMORTIZACION PARA UNA DEUDA $75000, CUYO CONTRATO ENTRE
PARTES SEALA POR EL DEUDOR ESTA EN LA OBLIGACION DE PAGAR EL TOTAL DE LA DEUDA
MEDIANTE 7 CUOTAS BIMESTRALES VENCIDAS, ESPECIFICAMENTE LOS 4 PRIMEROS PAGOS A CAPITAL
DEBEN SER EQUIVALENTES $9000 C/U Y LOS3 RESTANTES DE 13000. ASUMA UNA TASA DE INTERES
DEL 13%A.C.M
Datos

Vo = 75000
n= 7 cuotas Bimest
i= 13% a.c.m. 2.18% Bimestral

P Cp I(p-1;p) tp Tp Vp
0 - - - - 75,000.00
1 10,633.80 1,633.80 9,000.00 9,000.00 66,000.00
2 10,437.75 1,437.75 9,000.00 18,000.00 57,000.00
3 10,241.69 1,241.69 9,000.00 27,000.00 48,000.00
4 10,045.63 1,045.63 9,000.00 36,000.00 39,000.00
5 13,849.58 849.58 13,000.00 49,000.00 26,000.00
6 13,566.38 566.38 13,000.00 62,000.00 13,000.00
7 13,283.19 283.19 13,000.00 75,000.00 -

8. CARLOS ADQUIERE UN PRESTAMO BANCARIO DE $15000 EL CONTRATO SEALA QUE EL


PRESTAMISTA DEBE PAGAR A LA ENTIDAD FINANCIERAR 5 CUOTAS BIMESTRALES VENCIDAS, ACORDE
A UN GRADIENTE ARITMETICO CRECIENTE DE 1000$ ENTRE INTERVALOS DE PAGO , LA TASA DE
INTERES ES DEL 6%ACB ELAVORE UN PLAN DE PAGOS

Datos
Vo = 15000
n= 5 cuotas Bimest
i= 6% a.c.b. 1% Bimestral
R= 1000

P Cp I(p-1;p) tp Tp Vp
0 - - - - 15,000.00
1 1,110.50 150.00 960.50 960.50 14,039.50
2 2,110.50 140.40 1,970.10 2,930.60 12,069.40
3 3,110.50 120.69 2,989.80 5,920.40 9,079.60
4 4,110.50 90.80 4,019.70 9,940.10 5,059.90
5 5,110.50 50.60 5,059.90 15,000.00 0.00

9. ELAVORAR UNA TABLA DE AMORTIZACION DONDE UNA OBLIGACION DE 150000 $ SE CANSELA


MEDIANTE 5 CUOTAS SEMESTRALES VENCIDAS LA PRIMERA DE ELLAS POR 55000$ LA SEGUNDA
20000$ TERCERA 45000$ LA CUARTA POR 22000$ UNA QUINTA CUOTA A DETERMINAR ASUMA QUE
LA TASA DE INTERES ES DEL 12%ACS
Datos

V0 = 150000
n= 5 Cuotas Semest
i= 12% a.c.s. 6% Semestral

P Cp I(p-1;p) tp Tp Vp
0 - - - - 150,000.00
1 55,000.00 9,000.00 46,000.00 46,000.00 104,000.00
2 20,000.00 6,240.00 13,760.00 59,760.00 90,240.00
3 45,000.00 5,414.40 39,585.60 99,345.60 50,654.40
4 22,000.00 3,039.26 18,960.74 118,306.34 31,693.66
5 33,595.28 1,901.62 31,693.66 150,000.00 0.00

10. UNA EMPRESA MOLINERA DE TRIGO, VENDE ACREDITO UN STOCK DE HARINA A UNA EMPRESA
PANIFICADORA. EL PRECIO DE PRODUCTO ES DE 13.000 $ AL CONTADO, SIN EMBARGO EL ACUERDO
ESTABLESE QUE LA PANIFICADORA DEBERA PAGAR 6 CUOTAS BIMESTRALES VENCIDAS E IGUALES
EMCLUYENDO EN LA UTIMA CUOTA UNA SUMA ADICIONAL DE 3.200 $ SI LA TASA DE INTERES ES DEL
15 % A.C.B, COMSTRUIR UNA TABLA DE AMORTIZACION
Datos
Vo = 13000
n= 6 Cuotas Bimest
i= 15% a.c.b. 2.50% Bimestral

P Cp I(p-1;p) tp Tp Vp
0 - - - - 13,000.00
1 1,859.19 325.00 1,534.19 1,534.19 11,465.81
2 1,859.19 286.65 1,572.54 3,106.73 9,893.27
3 1,859.19 247.33 1,611.86 4,718.59 8,281.41
4 1,859.19 207.04 1,652.15 6,370.75 6,629.25
5 1,859.19 165.73 1,693.46 8,064.21 4,935.79
6 5,059.19 123.39 4,935.79 13,000.00 0.00
11. CONSTRUIR UNA TABLA DE AMORTJIZACJION PARA UNA DEUDA DE 120000$ CONTRAIDA EL DIA
DE HOY A UNA TAS DE INTERES DEL 13,5% A.C.S. ADICIONALMENTE SE ESTABLECE QUE EL DEUDOR
DEBE PAGAR 5 CUOTAS SEMESTRALES VENCIDAS C/U CON PAGOS QUE DISMINUYEN
GRADUALMENTAE ENTRE INTERVALOS DE PAGO EN UNA CANTIDAD CONSTANT DE 10000$.
Datos

V0 = 120000
i = 13.50% a.c.s. 6.75% Bimestral
n = 5 Cuotas Semest
-R = 10000

P Cp I(p-1;p) tp Tp Vp
0 - - - - 120,000.00
1 47,767.26 8,100.00 39,667.26 39,667.26 80,332.74
2 37,767.26 5,422.46 32,344.80 72,012.07 47,987.93
3 27,767.26 3,239.19 24,528.08 96,540.15 23,459.85
4 17,767.26 1,583.54 16,183.72 112,723.87 7,276.13
5 7,767.26 491.14 7,276.13 120,000.00 0.00

12. UNA EMPRESA IMPORTADORA ADQUIERE UN STOCK DE CAMIONES POR SU POSTERIOR VENTA. EL
PRECION UNITARIO AL CONTADO PARA CLIENTES QUE TENGAN INTERESES EN ESTOS MOTORIZADOS
ES DE 70000$ CON EL PROPOSITO DE GENERAR INCENTIVOS DE COMPRA LA IMPOTADORA OFRECE
PLANES DE VENTA AL CREDITO, PERMITE AL COMPRADOR PAGAR 5 CUOTAS VENCIDAS CADA 60 DIAS,
CON EL ADITIVO QUE LA PRIMERA CUOTA SE PAGA 180 DIAS DESPUES DE LA ADQUISISION EN FECHA
31 DE MARZO DEL AO EN CURSO, SE REALIZA UNA COMPRA AL CREDITO, AJUSTADA A UNA TASA DE
INTERES AL 15% ACB CALCULAR:
PLAN DE PAGOS CONSIDERANDO EL PERIODO DE GRACIA EN EL PAGO DEL CAPITAL Y LOS
INTERESES
PLAN DE PAGOS CONSIDERANDO EL CRITERIO DE ANATOSISMO
12.- Datos
SISTEMA FRANCES
Vo = 70000
i= 15%
n= 5

P Cp I tp TP Vp
0 - - - - 70,000.00
1 - - - - 70,000.00
2 - - - - 70,000.00
3 - - - - 70,000.00
4 15,067.28 1,750.00 13,317.28 13,317.28 56,682.72
5 15,067.28 1,417.07 13,650.21 26,967.49 43,032.51
6 15,067.28 1,075.81 13,991.47 40,958.96 29,041.04
7 15,067.28 726.03 14,341.25 55,300.21 14,699.79
8 15,067.28 367.49 14,699.79 70,000.00 (0.00)

SISTEMA ALEMAN

P Cp I tp TP Vp

0 - - - - 70,000.00
1 - 1,750.00 - - 71,750.00
2 - 1,793.75 - - 73,543.75
3 - 1,838.59 - - 75,382.34
4 16,225.81 1,884.56 14,341.25 14,341.25 61,041.09
5 16,225.81 1,526.03 14,699.79 29,041.04 46,341.30
6 16,225.81 1,158.53 15,067.28 44,108.32 31,274.02
7 16,225.81 781.85 15,443.96 59,552.28 15,830.06
8 16,225.81 395.75 15,830.06 75,382.34 (0.00)

13. CAMILA ADQUIERE UN PRESTAMO BANCARIO POR 50000$ A PAGAR EN 4 CUOTAS BIMESTRALE S
VENCIDAS A 1 AO DE GRACIA ENEL PAGO DE CAPITAL, SI ADICIONALMENTE SE APLICA EL CRITERIO
DE ANATOSISMO(LOS INTERESES NO SE PAGAN PERO SE ACUMULAN A LA DEUDA) AL 1%
TRIMESTRAL, CONSTRUIR: PLANDE PAGOS CONSIDERANDO QUE LAS CUOTAS A PAGAR DISMINUYEN
EN 1000$C/U CON RESPECTO A LA ANTERIOR
Datos
Vo = 50000
n= 4 0.07% - R= 1000
i= 1%
P Cp I tp TP Vp
0.00 - - - - 50,000.00
1 - 332.78 - - 50,332.78
2 - 335.00 - - 50,667.78
3 - 337.22 - - 51,005.00
4 - 339.47 - - 51,344.47
5 - 341.73 - - 51,686.20
6 - 344.00 - - 52,030.20
7 14,716.41 346.29 14,370.12 14,370.12 37,660.08
8 13,716.41 250.65 13,465.76 27,835.87 24,194.33
9 12,716.41 161.03 12,555.38 40,391.26 11,638.94
10 11,716.41 77.46 11,638.94 52,030.20 0.00
00000 A PAGAR A 5
ANDO:

Fecha Pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021

Fecha Pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021
S, CON DOS AOS DE
10% ANUAL DE INTERES.
LEMAN) CONSIDERANDO:
FOMENTO

E PAGAN LOS

Fecha de pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021
8/6/2022
8/6/2023

Fecha de pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021
8/6/2022
8/6/2023
Fecha de pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021
8/6/2022
8/6/2023

Fecha de pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021
8/6/2022
8/6/2023

Fecha de pag
8/7/2016
8/8/2016
8/9/2016
8/10/2016
8/11/2016
8/12/2016
8/13/2016
8/14/2016
Fecha de pag
8/7/2016
8/8/2016
8/9/2016
8/10/2016
8/11/2016
8/12/2016
8/13/2016
8/14/2016

EMAN PARA SER


ECTIVO ANUAL Y

Fecha de pag
8/7/2016
8/7/2017
8/7/2018
8/7/2019
8/6/2020
8/6/2021
8/6/2022
8/6/2023
8/5/2024
8/5/2025
8/5/2026

Fecha de pag
8/7/2016
2/3/2017
8/2/2017
1/29/2018
7/28/2018
1/24/2019
7/23/2019
1/19/2020
7/17/2020
1/13/2021
7/12/2021

S EN FORMA

20
10

Fecha de pag
8/8/2016
11/6/2016
2/4/2017
5/5/2017
8/3/2017
11/1/2017
1/30/2018
4/30/2018
7/29/2018
10/27/2018
1/25/2019
4/25/2019
7/24/2019
10/22/2019
1/20/2020
4/19/2020
7/18/2020
10/16/2020
1/14/2021
4/14/2021
7/13/2021
Fecha de pag
8/8/2016
11/6/2016
2/4/2017
5/5/2017
8/3/2017
11/1/2017
1/30/2018
4/30/2018
7/29/2018
10/27/2018
1/25/2019
4/25/2019
7/24/2019
10/22/2019
1/20/2020
4/19/2020
7/18/2020
10/16/2020
1/14/2021
4/14/2021
7/13/2021

Y PLAZO 10 AOS, CON


PRESTAMO ES DEL

ARIO DE $7000,
CAPITAL SI DESEA
DALIDAD DE PAGO A
CION POR EL SISTEMA
Fecha de pag
8/8/2016
9/7/2016
10/7/2016
11/6/2016
12/6/2016
1/5/2017
2/4/2017
3/6/2017
4/5/2017
5/5/2017
6/4/2017
7/4/2017
8/3/2017
9/2/2017
10/2/2017
11/1/2017
12/1/2017
12/31/2017
1/30/2018
3/1/2018
3/31/2018
4/30/2018
5/30/2018
6/29/2018
7/29/2018
8/28/2018
9/27/2018
10/27/2018
11/26/2018
12/26/2018
1/25/2019
2/24/2019
3/26/2019
4/25/2019
5/25/2019
6/24/2019
7/24/2019
8/23/2019
9/22/2019
10/22/2019
11/21/2019
12/21/2019
1/20/2020
2/19/2020
3/20/2020
4/19/2020
5/19/2020
6/18/2020
7/18/2020
8/17/2020
9/16/2020
10/16/2020
11/15/2020
12/15/2020
1/14/2021
2/13/2021
3/15/2021
4/14/2021
5/14/2021
6/13/2021
7/13/2021
8/12/2021
9/11/2021
10/11/2021
11/10/2021
12/10/2021
1/9/2022
2/8/2022
3/10/2022
4/9/2022
5/9/2022
6/8/2022
7/8/2022
8/7/2022
9/6/2022
10/6/2022
11/5/2022
12/5/2022
1/4/2023
2/3/2023
3/5/2023
4/4/2023
5/4/2023
6/3/2023
7/3/2023
8/2/2023
9/1/2023
10/1/2023
10/31/2023
11/30/2023
12/30/2023
1/29/2024
2/28/2024
3/29/2024
4/28/2024
5/28/2024
6/27/2024
7/27/2024
8/26/2024
9/25/2024
10/25/2024
11/24/2024
12/24/2024
1/23/2025
2/22/2025
3/24/2025
4/23/2025
5/23/2025
6/22/2025
7/22/2025
8/21/2025
9/20/2025
10/20/2025
11/19/2025
12/19/2025
1/18/2026
2/17/2026
3/19/2026
4/18/2026
5/18/2026
6/17/2026
4.16%

Fecha de pag
8/8/2016
9/7/2016
10/7/2016
11/6/2016
12/6/2016
1/5/2017
2/4/2017

DE CAPITAL E SE
AMORTIZACION DE
TODAS LA OPERACIN Y
000 Y ADEMAS LA TASA

E LA DEUDA Y NUEVAS
Y CAPITAL SE PAGAN
Fecha de pag
8/8/2016
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10/7/2016
11/6/2016
12/6/2016
1/5/2017
2/4/2017
3/6/2017
4/5/2017
5/5/2017
6/4/2017
7/4/2017
8/3/2017
9/2/2017
10/2/2017
11/1/2017
12/1/2017
12/31/2017
1/30/2018
3/1/2018
3/31/2018
4/30/2018
5/30/2018
6/29/2018
7/29/2018
8/28/2018
9/27/2018
10/27/2018
11/26/2018
12/26/2018
1/25/2019
2/24/2019
3/26/2019
4/25/2019
5/25/2019
6/24/2019
7/24/2019
8/23/2019
9/22/2019
10/22/2019
11/21/2019
12/21/2019
1/20/2020
2/19/2020
3/20/2020
4/19/2020
5/19/2020
6/18/2020
7/18/2020
8/17/2020
9/16/2020
10/16/2020
11/15/2020
12/15/2020
1/14/2021
2/13/2021
3/15/2021
4/14/2021
5/14/2021
6/13/2021
7/13/2021
8/12/2021
9/11/2021
10/11/2021
11/10/2021
12/10/2021
1/9/2022
2/8/2022
3/10/2022
4/9/2022
5/9/2022
6/8/2022
7/8/2022
8/7/2022
9/6/2022
10/6/2022
11/5/2022
12/5/2022
1/4/2023
2/3/2023
3/5/2023
4/4/2023
5/4/2023
6/3/2023
7/3/2023
8/2/2023
9/1/2023
10/1/2023
10/31/2023
11/30/2023
12/30/2023
1/29/2024
2/28/2024
3/29/2024
4/28/2024
5/28/2024
6/27/2024
7/27/2024
8/26/2024
9/25/2024
10/25/2024
11/24/2024
12/24/2024
1/23/2025
2/22/2025
3/24/2025
4/23/2025
5/23/2025
6/22/2025
7/22/2025
8/21/2025
9/20/2025
10/20/2025
11/19/2025
12/19/2025
1/18/2026
2/17/2026
3/19/2026
4/18/2026
5/18/2026
6/17/2026
7/17/2026
8/16/2026
9/15/2026
10/15/2026
11/14/2026
12/14/2026
1/13/2027
2/12/2027
3/14/2027
4/13/2027
5/13/2027
6/12/2027
7/12/2027
8/11/2027
9/10/2027
10/10/2027
11/9/2027
12/9/2027
1/8/2028
2/7/2028
3/8/2028
4/7/2028
5/7/2028
6/6/2028
7/6/2028
8/5/2028
9/4/2028
10/4/2028
11/3/2028
12/3/2028
1/2/2029
2/1/2029
3/3/2029
4/2/2029
5/2/2029
6/1/2029
7/1/2029
7/31/2029
8/30/2029
9/29/2029
10/29/2029
11/28/2029
12/28/2029
1/27/2030
2/26/2030
3/28/2030
4/27/2030
5/27/2030
6/26/2030
7/26/2030
8/25/2030
9/24/2030
10/24/2030
11/23/2030
12/23/2030
1/22/2031
2/21/2031
3/23/2031
4/22/2031
5/22/2031
6/21/2031
7/21/2031
8/20/2031
9/19/2031
10/19/2031
11/18/2031
12/18/2031
1/17/2032
2/16/2032
3/17/2032
4/16/2032
5/16/2032
6/15/2032
7/15/2032
8/14/2032
9/13/2032
10/13/2032
11/12/2032
12/12/2032
1/11/2033
2/10/2033
3/12/2033
4/11/2033
5/11/2033
6/10/2033
7/10/2033
8/9/2033
9/8/2033
10/8/2033
11/7/2033
12/7/2033
1/6/2034
2/5/2034
3/7/2034
4/6/2034
5/6/2034
6/5/2034
7/5/2034
8/4/2034
9/3/2034
10/3/2034
11/2/2034
12/2/2034
1/1/2035
1/31/2035
3/2/2035
4/1/2035
5/1/2035
5/31/2035
6/30/2035
7/30/2035
8/29/2035
9/28/2035
10/28/2035
11/27/2035
12/27/2035
1/26/2036
2/25/2036
3/26/2036
4/25/2036

Fecha de pag
5/1/2035
5/31/2035
6/30/2035
7/30/2035
8/29/2035
9/28/2035
10/28/2035
11/27/2035
12/27/2035
1/26/2036
2/25/2036
3/26/2036
4/25/2036

CONTRATO ENTRE
AL DE LA DEUDA
MEROS PAGOS A CAPITAL
A UNA TASA DE INTERES

Fecha de pag
8/8/2016
10/7/2016
12/6/2016
2/4/2017
4/5/2017
6/4/2017
8/3/2017
10/2/2017

EALA QUE EL
LES VENCIDAS, ACORDE
PAGO , LA TASA DE

Fecha de pag
8/9/2016
10/8/2016
12/7/2016
2/5/2017
4/6/2017
6/5/2017

50000 $ SE CANSELA
5000$ LA SEGUNDA
TERMINAR ASUMA QUE

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8/9/2016
10/8/2016
12/7/2016
2/5/2017
4/6/2017
6/5/2017

RINA A UNA EMPRESA


EMBARGO EL ACUERDO
VENCIDAS E IGUALES
ASA DE INTERES ES DEL

Fecha de pag
8/8/2016
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12/6/2016
2/4/2017
4/5/2017
6/4/2017
8/3/2017
0$ CONTRAIDA EL DIA
BLECE QUE EL DEUDOR
NUYEN
NT DE 10000$.

Fecha de pag
8/9/2016
10/8/2016
12/7/2016
2/5/2017
4/6/2017
6/5/2017

U POSTERIOR VENTA. EL
N ESTOS MOTORIZADOS
IMPOTADORA OFRECE
VENCIDAS CADA 60 DIAS,
ADQUISISION EN FECHA
JUSTADA A UNA TASA DE

CAPITAL Y LOS
CUOTAS BIMESTRALE S
SE APLICA EL CRITERIO
UDA) AL 1%
A PAGAR DISMINUYEN

FECHA
7/25/2016
9/23/2016
11/22/2016
1/21/2017
3/22/2017
5/21/2017
7/20/2017
9/18/2017
11/17/2017
1/16/2018
3/17/2018
FONDOS DE AMORTIZACION

14. UNA EMPRESA QUE DESEA EXPANDIR SUS OPERACIONES PRETENDE ADQUIRIR EL PROXIMO AO U
NUEVA MAQUINARIA QUE LE AYUDE CON TAL PROPOSITO. EL PRECIO FUTURO ESTIMADO PARA ESTOS
ACTIVOS ES DE 100000 $ PARA ELLO EL GERENTE PROPONE A SU DIRECTORIO ESTRUCTURAR UN FON
DE AMORTIZACION QUE ASEGURE LA DISPONIVILIDAD DE ESTA CANTIDAD DE DINERO Y ASI EJECUTAR
COMPRA MEDIANTE UN PAGO UNICO AL CONTADO SIEL RENDIMIENTO DE FONDO ES DEL 11%ACT Y LO
APORTES SON IGUALES ENTRE INTERVALOS DE DEPOSITO
DE CUANTOS DEBEN SER LOS APORTES TRIMESTRALES VENCIDOS?
ELABORE UNA TABLA QUE DETALLE EL PROCESO ACUMULATIVO DEL DINERO EN EL FONDO DE
CAPITALIZACION.

Datos.-
FA = 100000
i= 11% a.c.t.
n= 4 Trimestres 2.75%

P Cp I Fap
0
1 23,992.06 0.00 23,992.06
2 23,992.06 659.78 48,643.90
3 23,992.06 1,337.71 73,973.67
4 23,992.06 2,034.28 100,000.00
5

15. RESUELVA EL EJERCICIO ANTERIOR, ASUMIENDO QUE LA EMPRESA DESEA ACUMULAR 100.000$ , P
REALIZANDO APORTES DECRECIENTES DE 4% TRIMESTRAL.
Datos
FA = 100000
i= 11% a.c.t.
n= 4 Trimestres 2.75%
q = 4% -

P Cp I Fap
0
1 25,445.32 0.00 25,445.32
2 24,427.51 699.75 50,572.58
3 23,450.41 1,390.75 75,413.73
4 22,512.39 2,073.88 100,000.00
5
16. IDENTICO AL NUMERO 14 PERO, COMSIDERANDO QUE LA CUOTAS SON CUATRIMESTRALES
ADELANTADAS Y CRECIENTES EN 5.000 COM RESPECTO ALA ANTERIOR.
Datos
FA = 100000
i= 11% a.c.t. 2.75%
n= 3 cuatrimestral
-R= 5000

P Cp I Fap
0 36,474.78 0.00 36,474.78
1 31,474.78 1,003.06 68,952.62
2 26,474.78 1,896.20 97,323.60
17. IDENTICO AL N14 PERO,
3 CONSIDERANDO
0.00 QUE LA CUOTAS
2,676.40 SON CUATRIMESTRALES VENCIDAS Y
100,000.00
CRECEN EN 2%CUATRIMESTRAL CON RESPECTO ALA CUOTA ANTERIOR Y ADEMAS LA TASA DE INTERE
CUATRIMESTRAL ES DEL 3%PARA LOS DOS PRIMEROS CUATRIMESTRES Y LUEGO CAMBIA AL 2%
CUATRIMESTRAL HASTA FINALES DE OPERACIN.
COMSTRUIR TABLA QUE DETALLE EL ROCESO ACUMULATIVO DEL DINERO EN EL FONDO DE
CAPITALIZACION.

Datos
FA = 100000
i= 11% a.c.t. 3.00%
n= 3 cuatrimestral 2%
q 2%

P Cp I Fap
0
1 31,934.60 0.00 31,934.60
2 32,573.29 958.04 65,465.93
3 33,224.76 1,309.32 100,000.00

18. RESUELVA EL EJERCICIO ANTERIOR N14, CONSIDERANDO QUE LOS DEPOSITOS AL FONDE DE
AMORTIZACION SON: 3.200$ AL FINALIZAR AL PRIMER TRIMESTRE Y 4.800$ AL VENCIMIENTO DEL TER
TRIMESTRE. CON ESTE ESQUEMA DETERMINAR EL APORTE NECESARIO PARA ACUMULAR LOS 20.000$
REQUERIDOS POR LA EMPRESA, AL FINALIZAR EL CUATRO TRIMESTRE.
Datos

FA = 20000
n= 3 trimestral 2.75%
i= 11%

P Cp I Fap
0 0.00 0.00
1 3,200.00 0.00 3,200.00
2 4,800.00 88.00 8,088.00
3 4,500.00 222.42 12,810.42
4 6,837.29 352.29 20,000.00

19. SE PRETENDE ACUMULAR UN FONDO DE CAPITALIZACION DE $100000 DENTRO DE UN


AO SI EL RENDIMIENTO DEL FONDO ES DEL 1% BIMESTRAL Y LOS APORTES SON
TRIMESTRALES VENICIDOS CON CUOTAS CONSTANTES E IGUALES INCLUYENDO EN LA
SEFUNDA CUOTA UNA SUMA ACUMULADA DEL DIN ERO ENEL FONDO DE CAPITALIZACION
Datos

FA = 100000
n= 4 trimestral
i= 1% bimestral 1.50%

P Cp I Fap
0
1 20,665.55 0.00 20,665.55
2 35,665.55 310.76 56,641.85
3 20,665.55 851.75 78,159.14
4 20,665.55 1,175.31 100,000.00

20. IDENTICO AL EJERCICIO ANTERIOR PERO CONSIDERANDO QUE LOS DEPOSITOS AL FONDO
DE AHORRO SON DE PRIMERA CUOTA DE C PESOS LA ULTIMA CRECE EN 15000$ CON
RESPECTO A LA ANTERIOR
Datos
FA = 100000
n= 4 trimestral
i= 1% bimestral 1.50%

P Cp I Fap
0
1 10,000.00 0.00 10,000.00
2 25,000.00 150.37 35,150.37
3 24,210.24 528.57 59,889.18
4 39,210.24 900.58 100,000.00
ON

ENDE ADQUIRIR EL PROXIMO AO UNA


O FUTURO ESTIMADO PARA ESTOS
DIRECTORIO ESTRUCTURAR UN FONDO
NTIDAD DE DINERO Y ASI EJECUTAR LA
TO DE FONDO ES DEL 11%ACT Y LOS

OS?
DEL DINERO EN EL FONDO DE

^(FA)p

23,992.06
24,651.84
25,329.77
26,026.33
100,000.00

SA DESEA ACUMULAR 100.000$ , PERO

^(FA)p

25,445.32
25,127.25
24,841.15
24,586.27
100,000.00
AS SON CUATRIMESTRALES
RIOR.

^(FA)p
36,474.78
32,477.84
28,370.98
N CUATRIMESTRALES VENCIDAS Y
2,676.40
IOR Y ADEMAS LA TASA DE INTERES
100,000.00
RES Y LUEGO CAMBIA AL 2%

INERO EN EL FONDO DE

^(FA)p

31,934.60
33,531.33
34,534.07
100,000.00

LOS DEPOSITOS AL FONDE DE


Y 4.800$ AL VENCIMIENTO DEL TERCER
RIO PARA ACUMULAR LOS 20.000$
RE.

^(FA)p

3,200.00
4,888.00
4,722.42
7,189.58
20,000.00

100000 DENTRO DE UN
APORTES SON
NCLUYENDO EN LA
O DE CAPITALIZACION

^(FA)p

20,665.55
35,976.30
21,517.29
21,840.86
100,000.00
LOS DEPOSITOS AL FONDO
E EN 15000$ CON

^(FA)p

10,000.00
25,150.37
24,738.81
40,110.82
100,000.00