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INTERES SIMPLE
Valor actual $2,500,000,000 capital
Tasa de inters 11.5% anual
INTERES SIMPLE
Valor actual $2,500,000,000 capital
Tasa de inters 12.7% anual
Tasa de inters 0.53% Mensual
Plazo (en meses) 24 N meses
INTERES SIMPLE
INTERES SIMPLE
Valor actual $2,500,000,000 capital
Tasa de inters 13.2% anual
Tasa de inters 0.28% Mensual
Plazo (en meses) 48 N meses
INTERES SIMPLE
11,5% de un
B. Aplicando la tasa de inters efectiva
presta la
12 meses que le presta la entidad A,
debe pagar
compaa ENRECOL
12 meses?
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Total intereses
Capital final
INTERES
CAPITAL FINAL ACUMULADO MESES
$ 2,500,000,000 $ 23,958,333 1
$ 2,500,000,000 $ 47,916,667 2
$ 2,500,000,000 $ 71,875,000 3
$ 2,500,000,000 $ 95,833,333 4
$ 2,500,000,000 $ 119,791,667 5
$ 2,500,000,000 $ 143,750,000 6
$ 2,500,000,000 $ 167,708,333 7
$ 2,500,000,000 $ 191,666,667 8
$ 2,500,000,000 $ 215,625,000 9
$ 2,500,000,000 $ 239,583,333 10
$ 2,500,000,000 $ 263,541,667 11
$ 2,500,000,000 $ 287,500,000 12
12,7% de un
D. Aplicando la tasa de
presta la
un crdito de $ 2.500.0
debe pagar
entidad B, cual es el va
24 meses?
la compaa ENRECOL
D. Aplicando la tasa de
un crdito de $ 2.500.0
entidad B, cual es el va
la compaa ENRECOL
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
CAPITAL FINAL ACUMULADO MESES
$ 2,500,000,000 $ 13,229,167 1
$ 2,500,000,000 $ 26,458,333 2
$ 2,500,000,000 $ 39,687,500 3
$ 2,500,000,000 $ 52,916,667 4
$ 2,500,000,000 $ 66,145,833 5
$ 2,500,000,000 $ 79,375,000 6
$ 2,500,000,000 $ 92,604,167 7
$ 2,500,000,000 $ 105,833,333 8
$ 2,500,000,000 $ 119,062,500 9
$ 2,500,000,000 $ 132,291,667 10
$ 2,500,000,000 $ 145,520,833 11
$ 2,500,000,000 $ 158,750,000 12
$ 2,500,000,000 $ 171,979,167 13
$ 2,500,000,000 $ 185,208,333 14
$ 2,500,000,000 $ 198,437,500 15
$ 2,500,000,000 $ 211,666,667 16
$ 2,500,000,000 $ 224,895,833 17
$ 2,500,000,000 $ 238,125,000 18
$ 2,500,000,000 $ 251,354,167 19
$ 2,500,000,000 $ 264,583,333 20
$ 2,500,000,000 $ 277,812,500 21
$ 2,500,000,000 $ 291,041,667 22
$ 2,500,000,000 $ 304,270,833 23
$ 2,500,000,000 $ 317,500,000 24
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
CAPITAL FINAL ACUMULADO MESES
$ 2,500,000,000 $ 8,958,333 1
$ 2,500,000,000 $ 17,916,667 2
$ 2,500,000,000 $ 26,875,000 3
$ 2,500,000,000 $ 35,833,333 4
$ 2,500,000,000 $ 44,791,667 5
$ 2,500,000,000 $ 53,750,000 6
$ 2,500,000,000 $ 62,708,333 7
$ 2,500,000,000 $ 71,666,667 8
$ 2,500,000,000 $ 80,625,000 9
$ 2,500,000,000 $ 89,583,333 10
$ 2,500,000,000 $ 98,541,667 11
$ 2,500,000,000 $ 107,500,000 12
$ 2,500,000,000 $ 116,458,333 13
$ 2,500,000,000 $ 125,416,667 14
$ 2,500,000,000 $ 134,375,000 15
$ 2,500,000,000 $ 143,333,333 16
$ 2,500,000,000 $ 152,291,667 17
$ 2,500,000,000 $ 161,250,000 18
$ 2,500,000,000 $ 170,208,333 19
$ 2,500,000,000 $ 179,166,667 20
$ 2,500,000,000 $ 188,125,000 21
$ 2,500,000,000 $ 197,083,333 22
$ 2,500,000,000 $ 206,041,667 23
$ 2,500,000,000 $ 215,000,000 24
$ 2,500,000,000 $ 223,958,333 25
$ 2,500,000,000 $ 232,916,667 26
$ 2,500,000,000 $ 241,875,000 27
$ 2,500,000,000 $ 250,833,333 28
$ 2,500,000,000 $ 259,791,667 29
$ 2,500,000,000 $ 268,750,000 30
$ 2,500,000,000 $ 277,708,333 31
$ 2,500,000,000 $ 286,666,667 32
$ 2,500,000,000 $ 295,625,000 33
$ 2,500,000,000 $ 304,583,333 34
$ 2,500,000,000 $ 313,541,667 35
$ 2,500,000,000 $ 322,500,000 36
13,2% de un
H. Aplicando la tasa de inters efectiva
presta la
48 meses que le presta la entidad D,
debe pagar
compaa ENRECOL
48 meses?
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
CAPITAL FINAL ACUMULADO MESES
$ 2,500,000,000 $ 6,875,000 1
$ 2,500,000,000 $ 13,750,000 2
$ 2,500,000,000 $ 20,625,000 3
$ 2,500,000,000 $ 27,500,000 4
$ 2,500,000,000 $ 34,375,000 5
$ 2,500,000,000 $ 41,250,000 6
$ 2,500,000,000 $ 48,125,000 7
$ 2,500,000,000 $ 55,000,000 8
$ 2,500,000,000 $ 61,875,000 9
$ 2,500,000,000 $ 68,750,000 10
$ 2,500,000,000 $ 75,625,000 11
$ 2,500,000,000 $ 82,500,000 12
$ 2,500,000,000 $ 89,375,000 13
$ 2,500,000,000 $ 96,250,000 14
$ 2,500,000,000 $ 103,125,000 15
$ 2,500,000,000 $ 110,000,000 16
$ 2,500,000,000 $ 116,875,000 17
$ 2,500,000,000 $ 123,750,000 18
$ 2,500,000,000 $ 130,625,000 19
$ 2,500,000,000 $ 137,500,000 20
$ 2,500,000,000 $ 144,375,000 21
$ 2,500,000,000 $ 151,250,000 22
$ 2,500,000,000 $ 158,125,000 23
$ 2,500,000,000 $ 165,000,000 24
$ 2,500,000,000 $ 171,875,000 25
$ 2,500,000,000 $ 178,750,000 26
$ 2,500,000,000 $ 185,625,000 27
$ 2,500,000,000 $ 192,500,000 28
$ 2,500,000,000 $ 199,375,000 29
$ 2,500,000,000 $ 206,250,000 30
$ 2,500,000,000 $ 213,125,000 31
$ 2,500,000,000 $ 220,000,000 32
$ 2,500,000,000 $ 226,875,000 33
$ 2,500,000,000 $ 233,750,000 34
$ 2,500,000,000 $ 240,625,000 35
$2,500,000,000 $ 247,500,000 36
$2,500,000,000 $ 254,375,000 37
$2,500,000,000 $ 261,250,000 38
$2,500,000,000 $ 268,125,000 39
$2,500,000,000 $ 275,000,000 40
$2,500,000,000 $ 281,875,000 41
$2,500,000,000 $ 288,750,000 42
$2,500,000,000 $ 295,625,000 43
$2,500,000,000 $ 302,500,000 44
$2,500,000,000 $ 309,375,000 45
$2,500,000,000 $ 316,250,000 46
$2,500,000,000 $ 323,125,000 47
$2,500,000,000 $ 330,000,000 48
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Total intereses
Capital final
INTERES
CAPITAL FINAL ACUMULADO MESES
$ 2,500,000,000 $ 5,958,333 1
$ 2,500,000,000 $ 11,916,667 2
$ 2,500,000,000 $ 17,875,000 3
$ 2,500,000,000 $ 23,833,333 4
$ 2,500,000,000 $ 29,791,667 5
$ 2,500,000,000 $ 35,750,000 6
$ 2,500,000,000 $ 41,708,333 7
$ 2,500,000,000 $ 47,666,667 8
$ 2,500,000,000 $ 53,625,000 9
$ 2,500,000,000 $ 59,583,333 10
$ 2,500,000,000 $ 65,541,667 11
$ 2,500,000,000 $ 71,500,000 12
$ 2,500,000,000 $ 77,458,333 13
$ 2,500,000,000 $ 83,416,667 14
$ 2,500,000,000 $ 89,375,000 15
$ 2,500,000,000 $ 95,333,333 16
$ 2,500,000,000 $ 101,291,667 17
$ 2,500,000,000 $ 107,250,000 18
$ 2,500,000,000 $ 113,208,333 19
$ 2,500,000,000 $ 119,166,667 20
$ 2,500,000,000 $ 125,125,000 21
$ 2,500,000,000 $ 131,083,333 22
$ 2,500,000,000 $ 137,041,667 23
$ 2,500,000,000 $ 143,000,000 24
$ 2,500,000,000 $ 148,958,333 25
$ 2,500,000,000 $ 154,916,667 26
$ 2,500,000,000 $ 160,875,000 27
$ 2,500,000,000 $ 166,833,333 28
$ 2,500,000,000 $ 172,791,667 29
$ 2,500,000,000 $ 178,750,000 30
$ 2,500,000,000 $ 184,708,333 31
$ 2,500,000,000 $ 190,666,667 32
$ 2,500,000,000 $ 196,625,000 33
$ 2,500,000,000 $ 202,583,333 34
$ 2,500,000,000 $ 208,541,667 35
$2,500,000,000 $ 214,500,000 36
$2,500,000,000 $ 220,458,333 37
$2,500,000,000 $ 226,416,667 38
$2,500,000,000 $ 232,375,000 39
$2,500,000,000 $ 238,333,333 40
$2,500,000,000 $ 244,291,667 41
$2,500,000,000 $ 250,250,000 42
$2,500,000,000 $ 256,208,333 43
$2,500,000,000 $ 262,166,667 44
$2,500,000,000 $ 268,125,000 45
$2,500,000,000 $ 274,083,333 46
$2,500,000,000 $ 280,041,667 47
$2,500,000,000 $ 286,000,000 48
$2,500,000,000 $ 291,958,333 49
$2,500,000,000 $ 297,916,667 50
$2,500,000,000 $ 303,875,000 51
$2,500,000,000 $ 309,833,333 52
$2,500,000,000 $ 315,791,667 53
$2,500,000,000 $ 321,750,000 54
$2,500,000,000 $ 327,708,333 55
$2,500,000,000 $ 333,666,667 56
$2,500,000,000 $ 339,625,000 57
$2,500,000,000 $ 345,583,333 58
$2,500,000,000 $ 351,541,667 59
$2,500,000,000 $ 357,500,000 60
la tasa de inters efectiva anual del 11,5% de un crdito de $ 2.500.000.000 a
que le presta la entidad A, cual es el valor de los intereses que debe pagar la
compaa ENRECOL S.A.S al trmino de los 12 meses?
INTERES COMPUESTO
$2,500,000,000 capital
11.5% anual
0.91% Mensual
12 N meses
Inters total
$287,484,472.32 producido
Total capital +
$2,787,484,472.32 intereses
INTERES COMPUESTO
$2,500,000,000 capital
12.7% anual
1.00% Mensual
24 N meses
Inters total
$675,317,353.64 producido
Total capital +
$3,175,317,353.64 intereses
INTERES COMPUESTO
$2,500,000,000 capital
12.9% anual
1.02% Mensual
36 N meses
Inters total
$1,097,634,107.23 producido
Total capital +
$3,597,634,107.23 intereses
INTERES COMPUESTO
$2,500,000,000 capital
13.2% anual
1.04% Mensual
48 N meses
Inters total
$1,605,172,084.49 producido
Total capital +
$4,105,172,084.49 intereses
INTERES COMPUESTO
$2,500,000,000 capital
14.3% anual
1.12% Mensual
60 N meses
Inters total
$2,377,122,510.67 producido
Total capital +
$4,877,122,510.67 intereses
Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 11.5% anual
Tasa de inters 5.8% Mensual
Plazo 2 N Semestral
Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 12.9% anual
Tasa de inters 3.2% Mensual
Plazo 4 N Trimestral
Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 14.3% anual
Tasa de inters 0.6% Mensual
Plazo 24 N Bimensual
?
F= valor futuro
r= tasa de interes nominal anual
n= numero de subperiodos
r/n= 0115/2= 0.0575
F= p(1+r/n)n
2.500.000.000(1+0.0575)2
F=2795.765.625
I=F-P
2295.765.625-2500.000.000=295765625.
i=I/P 295.765.625/2500.000.000 =0.1183X100= 11.83%
0.0575
3. Cuadro comparativo de altern
Entidad A $2,500,000,000
Entidad B $2,500,000,000
Entidad C $2,500,000,000
Entidad D $2,500,000,000
Entidad E $2,500,000,000
Entidad F $2,500,000,000
Entidad G $2,500,000,000
Entidad H $2,500,000,000
Entidad I $2,500,000,000
Entidad J $2,500,000,000
. Cuadro comparativo de alternativas de financiacin
$287,500,000.00
$287,484,472.32
$317,500,000.00
$675,317,353.64
$322,500,000.00
$1,097,634,107.23
$330,000,000.00
$1,605,172,084.49
$357,500,000.00
$2,377,122,510.67