VALOR PRESENTE DE UN GRADIENTE LINEAL ARITMETICO CRECIENTE

EJERCICIO 1

VALOR DEL CARRO $7,164,371

PLAZO 36
INTERES 1.5%
CUOTA 1 $100,000
GRADIENTE $10,000

N° DE CUOTAS CUOTA
0
1 $100,000.00
2 $110,000.00
3 $120,000.00
4 $130,000.00
5 $140,000.00
6 $150,000.00
7 $160,000.00
8 $170,000.00
9 $180,000.00
10 $190,000.00
11 $200,000.00
12 $210,000.00
13 $220,000.00
14 $230,000.00
15 $240,000.00
16 $250,000.00
17 $260,000.00
18 $270,000.00
19 $280,000.00
20 $290,000.00
21 $300,000.00
22 $310,000.00
23 $320,000.00
24 $330,000.00
25 $340,000.00
26 $350,000.00
27 $360,000.00
28 $370,000.00
29 $380,000.00
30 $390,000.00
31 $400,000.00
32 $410,000.00
33 $420,000.00
34 $430,000.00
35 $440,000.00
36 $450,000.00
NEAL ARITMETICO CRECIENTE

MESES
MENSUAL

CRECIENTE

INTERES ABONO A CAPITAL SALDO

$7,164,370.99
$107,465.56 -$7,465.56 $7,171,836.56
$107,577.55 $2,422.45 $7,169,414.10
$107,541.21 $12,458.79 $7,156,955.31
$107,354.33 $22,645.67 $7,134,309.64
$107,014.64 $32,985.36 $7,101,324.29
$106,519.86 $43,480.14 $7,057,844.15
$105,867.66 $54,132.34 $7,003,711.82
$105,055.68 $64,944.32 $6,938,767.49
$104,081.51 $75,918.49 $6,862,849.01
$102,942.74 $87,057.26 $6,775,791.74
$101,636.88 $98,363.12 $6,677,428.62
$100,161.43 $109,838.57 $6,567,590.05
$98,513.85 $121,486.15 $6,446,103.90
$96,691.56 $133,308.44 $6,312,795.46
$94,691.93 $145,308.07 $6,167,487.39
$92,512.31 $157,487.69 $6,009,999.70
$90,150.00 $169,850.00 $5,840,149.69
$87,602.25 $182,397.75 $5,657,751.94
$84,866.28 $195,133.72 $5,462,618.22
$81,939.27 $208,060.73 $5,254,557.49
$78,818.36 $221,181.64 $5,033,375.85
$75,500.64 $234,499.36 $4,798,876.49
$71,983.15 $248,016.85 $4,550,859.64
$68,262.89 $261,737.11 $4,289,122.53
$64,336.84 $275,663.16 $4,013,459.37
$60,201.89 $289,798.11 $3,723,661.26
$55,854.92 $304,145.08 $3,419,516.18
$51,292.74 $318,707.26 $3,100,808.92
$46,512.13 $333,487.87 $2,767,321.06
$41,509.82 $348,490.18 $2,418,830.87
$36,282.46 $363,717.54 $2,055,113.34
$30,826.70 $379,173.30 $1,675,940.04
$25,139.10 $394,860.90 $1,281,079.14
$19,216.19 $410,783.81 $870,295.32
$13,054.43 $426,945.57 $443,349.75
$6,650.25 $443,349.75 $0.00
VALOR FUTURO DE UN GRADIENTE LINEAL CRECIENTE
EJERCICIO 2

VALOR FUTURO $3,775,218

PLAZO 8 SEMESTRES 4 AÑOS
INTERES 8%
CUOTA 1 $200,000
GRADIENTE $50,000 CRECIENTE

N° DE CUOTAS CUOTA INTERES DEPOSITO SALDO

0
1 $200,000.00 $200,000.00
2 $250,000.00 $16,000.00 $266,000.00 $466,000.00
3 $300,000.00 $37,280.00 $337,280.00 $803,280.00
4 $350,000.00 $64,262.40 $414,262.40 $1,217,542.40
5 $400,000.00 $97,403.39 $497,403.39 $1,714,945.79
6 $450,000.00 $137,195.66 $587,195.66 $2,302,141.46
7 $500,000.00 $184,171.32 $684,171.32 $2,986,312.77
8 $550,000.00 $238,905.02 $788,905.02 $3,775,217.79
VALOR PRESENTE DE UN GRADIENTE GEOMETRICO CRECIENTE
EJERCICIO 3

VALOR PRESENTE $12,651,712

PLAZO 14 MESES
INTERES 4%
GRADIENTE 3% CRECIENTE
CUOTA 1 $1,000,000

N° DE CUOTAS CUOTA INTERES

0
1 $1,000,000 $506,068
2 $1,030,000 $486,311
3 $1,060,900 $464,564
4 $1,092,727 $440,710
5 $1,125,509 $414,630
6 $1,159,274 $386,194
7 $1,194,052 $355,271
8 $1,229,874 $321,720
9 $1,266,770 $285,394
10 $1,304,773 $246,139
11 $1,343,916 $203,793
12 $1,384,234 $158,188
13 $1,425,761 $109,147
14 $1,468,534 $56,482
 VALOR PRESENTE DE UN GRADIENTE GEOMÉTR
EJERCICIO 4

VALOR PRESENTE
PLAZO
INTERES
GRADIENTE
CUOTA 1

ABONO A CAPITAL SALDO N° DE CUOTAS

$12,651,712 0
$493,932 $12,157,781 1
$543,689 $11,614,092 2
$596,336 $11,017,756 3
$652,017 $10,365,739 4
$710,879 $9,654,860 5
$773,080 $8,881,780 6
$838,781 $8,042,999 7
$908,154 $7,134,845 8
$981,376 $6,153,469 9
$1,058,634 $5,094,834 10
$1,140,123 $3,954,711 11
$1,226,045 $2,728,666 12
$1,316,614 $1,412,052
$1,412,052 $0
ESENTE DE UN GRADIENTE GEOMÉTRICO DECRECIENTE

$3,441,891
12 PAGOS
8%
2% DECRECIENTE
$500,000

CUOTA INTERES ABONO A CAPITAL SALDO

$3,441,891
$500,000 $275,351 $224,649 $3,217,242
$490,000 $257,379 $232,621 $2,984,622
$480,200 $238,770 $241,430 $2,743,191
$470,596 $219,455 $251,141 $2,492,051
$461,184 $199,364 $261,820 $2,230,231
$451,960 $178,418 $273,542 $1,956,689
$442,921 $156,535 $286,386 $1,670,303
$434,063 $133,624 $300,439 $1,369,864
$425,382 $109,589 $315,792 $1,054,072
$416,874 $84,326 $332,548 $721,523
$408,536 $57,722 $350,815 $370,709
$400,366 $29,657 $370,709 $0
VALOR FUTURO DE UN GRADIENTE GEOMETRICO DECRECIENTE
EJERCICIO 5

VALOR FUTURO $20,430,994

PLAZO 24 DEPOSITOS
INTERES 1% MENSUAL
GRADIENTE 0.5% DECRECIENTE
CUOTA 1 $800,000

N° DE CUOTAS CUOTA INTERES

0 0 0
1 $800,000
2 $796,000 $8,000
3 $792,020 $16,040
4 $788,060 $24,121
5 $784,120 $32,242
6 $780,199 $40,406
7 $776,298 $48,612
8 $772,417 $56,861
9 $768,554 $65,154
10 $764,712 $73,491
11 $760,888 $81,873
12 $757,084 $90,301
13 $753,298 $98,775
14 $749,532 $107,295
15 $745,784 $115,864
16 $742,055 $124,480
17 $738,345 $133,145
18 $734,653 $141,860
19 $730,980 $150,625
20 $727,325 $159,441
21 $723,688 $168,309
22 $720,070 $177,229
23 $716,470 $186,202
24 $712,887 $195,229
 GRADIENTE GEOMTRICO ESCALONADO
EJERCICIO 6

VALOR DEL PRESTAMO

INTERES
GRADIENTE
TEA (TASA EFECTIVA ANUAL)
E (PLAZO EN AÑOS)
N = NUMERO DE CUOTAS AL AÑO

DEPOSITO+INTERES AHORRO
0 N° DE CUOTAS
$800,000 0
$804,000 $1,604,000 1
$808,060 $2,412,060 2
$812,181 $3,224,241 3
$816,362 $4,040,603 4
$820,605 $4,861,208 5
$824,910 $5,686,118 6
$829,278 $6,515,395 7
$833,708 $7,349,104 8
$838,203 $8,187,306 9
$842,761 $9,030,068 10
$847,384 $9,877,452 11
$852,073 $10,729,525 12
$856,827 $11,586,352 13
$861,648 $12,447,999 14
$866,535 $13,314,534 15
$871,490 $14,186,025 16
$876,513 $15,062,538 17
$881,605 $15,944,143 18
$886,766 $16,830,910 19
$891,997 $17,722,907 20
$897,299 $18,620,206 21
$902,672 $19,522,878 22
$908,116 $20,430,994 23
24
25
26
27
28
29
30
31
32
33
34
35
36
ESCALONADO

$40,000,000
2%
10% MENSUAL
26,8%
3 AÑOS= 36 CUOTAS
12 CUOTAS

CUOTA INTERES ABONO SALDO

$40,000,000
$1,443,864 $800,000 $643,864 $39,356,136
$1,443,864 $787,123 $656,742 $38,699,394
$1,443,864 $773,988 $669,876 $38,029,518
$1,443,864 $760,590 $683,274 $37,346,244
$1,443,864 $746,925 $696,939 $36,649,304
$1,443,864 $732,986 $710,878 $35,938,426
$1,443,864 $718,769 $725,096 $35,213,330
$1,443,864 $704,267 $739,598 $34,473,732
$1,443,864 $689,475 $754,390 $33,719,342
$1,443,864 $674,387 $769,478 $32,949,865
$1,443,864 $658,997 $784,867 $32,164,998
$1,443,864 $643,300 $800,564 $31,364,434
$1,588,251 $627,289 $960,962 $30,403,471
$1,588,251 $608,069 $980,181 $29,423,290
$1,588,251 $588,466 $999,785 $28,423,505
$1,588,251 $568,470 $1,019,781 $27,403,724
$1,588,251 $548,074 $1,040,176 $26,363,548
$1,588,251 $527,271 $1,060,980 $25,302,568
$1,588,251 $506,051 $1,082,199 $24,220,369
$1,588,251 $484,407 $1,103,843 $23,116,525
$1,588,251 $462,331 $1,125,920 $21,990,605
$1,588,251 $439,812 $1,148,439 $20,842,166
$1,588,251 $416,843 $1,171,407 $19,670,759
$1,588,251 $393,415 $1,194,836 $18,475,923
$1,747,076 $369,518 $1,377,557 $17,098,366
$1,747,076 $341,967 $1,405,109 $15,693,257
$1,747,076 $313,865 $1,433,211 $14,260,047
$1,747,076 $285,201 $1,461,875 $12,798,172
$1,747,076 $255,963 $1,491,112 $11,307,059
$1,747,076 $226,141 $1,520,935 $9,786,125
$1,747,076 $195,722 $1,551,353 $8,234,771
$1,747,076 $164,695 $1,582,380 $6,652,391
$1,747,076 $133,048 $1,614,028 $5,038,363
$1,747,076 $100,767 $1,646,309 $3,392,054
$1,747,076 $67,841 $1,679,235 $1,712,819
$1,747,076 $34,256 $1,712,819 $0
VALOR PRESENTE DE UN GRADIENTE LINEAL ARITMETICO DECRECIENTE
EJERCICIO 7

VALOR PRESENTE $13,518,663

PLAZO 48 MENSUALES
INTERES 2%
GRADIENTE $3,000 DECRECIENTE
CUOTA 1 $500,000

N° DE CUOTAS CUOTA INTERES

0
1 $500,000 $270,373
2 $497,000 $265,781
3 $494,000 $261,156
4 $491,000 $256,499
5 $488,000 $251,809
6 $485,000 $247,086
7 $482,000 $242,327
8 $479,000 $237,534
9 $476,000 $232,705
10 $473,000 $227,839
11 $470,000 $222,935
12 $467,000 $217,994
13 $464,000 $213,014
14 $461,000 $207,994
15 $458,000 $202,934
16 $455,000 $197,833
17 $452,000 $192,690
18 $449,000 $187,503
19 $446,000 $182,273
20 $443,000 $176,999
21 $440,000 $171,679
22 $437,000 $166,312
23 $434,000 $160,899
24 $431,000 $155,437
25 $428,000 $149,925
26 $425,000 $144,364
27 $422,000 $138,751
28 $419,000 $133,086
29 $416,000 $127,368
30 $413,000 $121,595
31 $410,000 $115,767
32 $407,000 $109,883
33 $404,000 $103,940
34 $401,000 $97,939
35 $398,000 $91,878
36 $395,000 $85,755
37 $392,000 $79,570
38 $389,000 $73,322
39 $386,000 $67,008
40 $383,000 $60,628
41 $380,000 $54,181
42 $377,000 $47,665
43 $374,000 $41,078
44 $371,000 $34,419
45 $368,000 $27,688
46 $365,000 $20,882
47 $362,000 $13,999
48 $359,000 $7,039
DECRECIENTE VALOR FUTURO DE UN GRADIENTE LINE
EJERCICIO 8

VALOR FUTURO
PLAZO
INTERES
GRADIENTE
CUOTA 1

ABONO A CAPITAL SALDO N° DE CUOTAS

$13,518,663 0
$229,627 $13,289,036 1
$231,219 $13,057,817 2
$232,844 $12,824,973 3
$234,501 $12,590,472 4
$236,191 $12,354,282 5
$237,914 $12,116,367 6
$239,673 $11,876,695 7
$241,466 $11,635,229 8
$243,295 $11,391,933 9
$245,161 $11,146,772 10
$247,065 $10,899,707 11
$249,006 $10,650,702 12
$250,986 $10,399,716
$253,006 $10,146,710
$255,066 $9,891,644
$257,167 $9,634,477
$259,310 $9,375,167
$261,497 $9,113,670
$263,727 $8,849,943
$266,001 $8,583,942
$268,321 $8,315,621
$270,688 $8,044,933
$273,101 $7,771,832
$275,563 $7,496,269
$278,075 $7,218,194
$280,636 $6,937,558
$283,249 $6,654,309
$285,914 $6,368,395
$288,632 $6,079,763
$291,405 $5,788,358
$294,233 $5,494,126
$297,117 $5,197,008
$300,060 $4,896,948
$303,061 $4,593,887
$306,122 $4,287,765
$309,245 $3,978,520
$312,430 $3,666,091
$315,678 $3,350,413
$318,992 $3,031,421
$322,372 $2,709,049
$325,819 $2,383,230
$329,335 $2,053,895
$332,922 $1,720,973
$336,581 $1,384,392
$340,312 $1,044,080
$344,118 $699,962
$348,001 $351,961
$351,961 $0
URO DE UN GRADIENTE LINEAL DRECRECIENTE

$3,892,270.61
12 DEPOSITOS
3% MENSUAL
$5,000 DECRECIENTE
$300,000

CUOTA INTERÉS DEPOSITO + INTERES SALDO

$300,000.00 $300,000.00
$295,000.00 $9,000.00 $304,000.00 $604,000.00
$290,000.00 $18,120.00 $308,120.00 $912,120.00
$285,000.00 $27,363.60 $312,363.60 $1,224,483.60
$280,000.00 $36,734.51 $316,734.51 $1,541,218.11
$275,000.00 $46,236.54 $321,236.54 $1,862,454.65
$270,000.00 $55,873.64 $325,873.64 $2,188,328.29
$265,000.00 $65,649.85 $330,649.85 $2,518,978.14
$260,000.00 $75,569.34 $335,569.34 $2,854,547.48
$255,000.00 $85,636.42 $340,636.42 $3,195,183.91
$250,000.00 $95,855.52 $345,855.52 $3,541,039.43
$245,000.00 $106,231.18 $351,231.18 $3,892,270.61
VALOR FUTURO DE UN GRADIENTE GEOMETRICO CRECIENTE
EJERCICIO 9

VALOR FUTURO $30,132,383

PLAZO 30 PAGOS
INTERES 1.5% MENSUAL
GRADIENTE 1% CRECIENTE
CUOTA 1 $700,000

N° DE CUOTAS CUOTA INTERES

0
1 $700,000
2 $707,000 $10,500
3 $714,070 $21,263
4 $721,211 $32,292
5 $728,423 $43,595
6 $735,707 $55,175
7 $743,064 $67,039
8 $750,495 $79,190
9 $758,000 $91,635
10 $765,580 $104,380
11 $773,235 $117,429
12 $780,968 $130,789
13 $788,778 $144,466
14 $796,665 $158,464
15 $804,632 $172,791
16 $812,678 $187,453
17 $820,805 $202,454
18 $829,013 $217,803
19 $837,303 $233,506
20 $845,676 $249,568
21 $854,133 $265,996
22 $862,674 $282,798
23 $871,301 $299,980
24 $880,014 $317,550
25 $888,814 $335,513
26 $897,702 $353,878
27 $906,679 $372,652
28 $915,746 $391,842
29 $924,904 $411,456
30 $934,153 $431,501
CRECIENTE VALOR FUTURO DE UN GRADIENTE GEOMETRICO
EJERCICIO 10

VALOR FUTURO
PLAZO
INTERES
GRADIENTE
CUOTA 1

DEPOSITO + INTERES SALDO N° DE CUOTAS

0
$700,000 1
$717,500 $1,417,500 2
$735,333 $2,152,833 3
$753,503 $2,906,336 4
$772,018 $3,678,354 5
$790,882 $4,469,236 6
$810,103 $5,279,339 7
$829,685 $6,109,023 8
$849,635 $6,958,658 9
$869,960 $7,828,618 10
$890,665 $8,719,283 11
$911,757 $9,631,040 12
$933,243 $10,564,283 13
$955,130 $11,519,412 14
$977,423 $12,496,836 15
$1,000,131 $13,496,966 16
$1,023,260 $14,520,226 17
$1,046,816 $15,567,042 18
$1,070,809 $16,637,851 19
$1,095,244 $17,733,095 20
$1,120,129 $18,853,225 21
$1,145,473 $19,998,698 22
$1,171,282 $21,169,979 23
$1,197,564 $22,367,543 24
$1,224,327 $23,591,870 25
$1,251,580 $24,843,451 26
$1,279,331 $26,122,782 27
$1,307,588 $27,430,370 28
$1,336,359 $28,766,729 29
$1,365,654 $30,132,383 30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
URO DE UN GRADIENTE GEOMETRICO CRECIENTE

$139,066,334
48 PAGOS
2% MENSUAL
3% CRECIENTE
$900,000

CUOTA INTERES ABONO SALDO

$900,000 $900,000
$927,000 $18,000 $945,000 $1,845,000
$954,810 $36,900 $991,710 $2,836,710
$983,454 $56,734 $1,040,189 $3,876,899
$1,012,958 $77,538 $1,090,496 $4,967,394
$1,043,347 $99,348 $1,142,695 $6,110,089
$1,074,647 $122,202 $1,196,849 $7,306,938
$1,106,886 $146,139 $1,253,025 $8,559,963
$1,140,093 $171,199 $1,311,292 $9,871,255
$1,174,296 $197,425 $1,371,721 $11,242,976
$1,209,525 $224,860 $1,434,384 $12,677,361
$1,245,810 $253,547 $1,499,358 $14,176,718
$1,283,185 $283,534 $1,566,719 $15,743,437
$1,321,680 $314,869 $1,636,549 $17,379,987
$1,361,331 $347,600 $1,708,930 $19,088,917
$1,402,171 $381,778 $1,783,949 $20,872,866
$1,444,236 $417,457 $1,861,693 $22,734,559
$1,487,563 $454,691 $1,942,254 $24,676,813
$1,532,190 $493,536 $2,025,726 $26,702,539
$1,578,155 $534,051 $2,112,206 $28,814,745
$1,625,500 $576,295 $2,201,795 $31,016,541
$1,674,265 $620,331 $2,294,596 $33,311,136
$1,724,493 $666,223 $2,390,716 $35,701,852
$1,776,228 $714,037 $2,490,265 $38,192,117
$1,829,515 $763,842 $2,593,357 $40,785,474
$1,884,400 $815,709 $2,700,110 $43,485,584
$1,940,932 $869,712 $2,810,644 $46,296,228
$1,999,160 $925,925 $2,925,085 $49,221,312
$2,059,135 $984,426 $3,043,561 $52,264,873
$2,120,909 $1,045,297 $3,166,206 $55,431,080
$2,184,536 $1,108,622 $3,293,158 $58,724,238
$2,250,072 $1,174,485 $3,424,557 $62,148,795
$2,317,574 $1,242,976 $3,560,550 $65,709,345
$2,387,102 $1,314,187 $3,701,289 $69,410,634
$2,458,715 $1,388,213 $3,846,927 $73,257,561
$2,532,476 $1,465,151 $3,997,627 $77,255,189
$2,608,450 $1,545,104 $4,153,554 $81,408,743
$2,686,704 $1,628,175 $4,314,879 $85,723,622
$2,767,305 $1,714,472 $4,481,778 $90,205,399
$2,850,324 $1,804,108 $4,654,432 $94,859,832
$2,935,834 $1,897,197 $4,833,031 $99,692,862
$3,023,909 $1,993,857 $5,017,766 $104,710,628
$3,114,626 $2,094,213 $5,208,839 $109,919,467
$3,208,065 $2,198,389 $5,406,454 $115,325,922
$3,304,307 $2,306,518 $5,610,825 $120,936,747
$3,403,436 $2,418,735 $5,822,171 $126,758,918
$3,505,539 $2,535,178 $6,040,718 $132,799,636
$3,610,706 $2,655,993 $6,266,698 $139,066,334