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A.

Aplicando la tasa de inters anual simple del 11,5% de un


crdito de $ 2.500.000.000 a 12 meses 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?

Capital principal $2,500,000,000


Tiempo 12 meses
Tasa de inters 0.9583% Mes

MESES CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL


1 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
2 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
3 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
4 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
5 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
6 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
7 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
8 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
9 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
10 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
11 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
12 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
Total inters $ 287,500,000

C. Aplicando la tasa de inters anual simple del 12,7% de un


crdito de $ 2.500.000.000 a 24 meses que le presta la
entidad B, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 24 meses?

Capital principal $2,500,000,000


Tiempo 24 meses
Tasa de inters 1.1% anual

MESES CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL


1 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
2 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
3 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
4 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
5 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
6 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
7 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
8 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
9 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
10 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
11 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
12 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
13 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
14 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
15 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
16 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
17 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
18 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
19 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
20 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
21 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
22 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
23 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
24 $2,500,000,000 $ 26,458,333 $ 2,500,000,000
Total inters $ 635,000,000

E. Aplicando la tasa de inters anual simple del 12,9% de un


crdito de $ 2.500.000.000 a 36 meses que le presta la
entidad C, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 36 meses?

Capital principal $2,500,000,000


Tiempo 36 meses
Tasa de inters 1.1% anual

MESES CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL


1 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
2 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
3 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
4 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
5 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
6 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
7 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
8 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
9 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
10 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
11 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
12 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
13 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
14 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
15 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
16 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
17 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
18 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
19 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
20 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
21 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
22 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
23 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
24 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
25 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
26 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
27 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
28 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
29 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
30 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
31 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
32 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
33 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
34 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
35 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
36 $2,500,000,000 $ 26,875,000 $ 2,500,000,000
Total inters $ 967,500,000

G. Aplicando la tasa de inters anual simple del 13,2% de un


crdito de $ 2.500.000.000 a 48 meses que le presta la
entidad D, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 48 meses?

Capital principal $2,500,000,000


Tiempo 48 meses
Tasa de inters 1.1% anual

MESES CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL


1 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
2 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
3 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
4 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
5 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
6 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
7 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
8 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
9 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
10 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
11 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
12 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
13 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
14 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
15 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
16 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
17 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
18 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
19 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
20 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
21 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
22 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
23 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
24 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
25 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
26 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
27 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
28 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
29 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
30 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
31 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
32 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
33 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
34 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
35 $2,500,000,000 $ 27,500,000 $ 2,500,000,000
36 $2,500,000,000 $ 27,500,000 $2,500,000,000
37 $2,500,000,000 $ 27,500,000 $2,500,000,000
38 $2,500,000,000 $ 27,500,000 $2,500,000,000
39 $2,500,000,000 $ 27,500,000 $2,500,000,000
40 $2,500,000,000 $ 27,500,000 $2,500,000,000
41 $2,500,000,000 $ 27,500,000 $2,500,000,000
42 $2,500,000,000 $ 27,500,000 $2,500,000,000
43 $2,500,000,000 $ 27,500,000 $2,500,000,000
44 $2,500,000,000 $ 27,500,000 $2,500,000,000
45 $2,500,000,000 $ 27,500,000 $2,500,000,000
46 $2,500,000,000 $ 27,500,000 $2,500,000,000
47 $2,500,000,000 $ 27,500,000 $2,500,000,000
48 $2,500,000,000 $ 27,500,000 $2,500,000,000
Total inters $ 1,320,000,000

I. Aplicando la tasa de inters anual simple del 14,3% de un


crdito de $ 2.500.000.000 a 60 meses que le presta la
entidad E, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 60 meses?
Capital principal $2,500,000,000
Tiempo 60 meses
Tasa de inters 1.2% anual

MESES CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL


1 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
2 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
3 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
4 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
5 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
6 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
7 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
8 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
9 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
10 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
11 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
12 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
13 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
14 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
15 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
16 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
17 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
18 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
19 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
20 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
21 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
22 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
23 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
24 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
25 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
26 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
27 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
28 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
29 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
30 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
31 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
32 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
33 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
34 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
35 $2,500,000,000 $ 29,791,667 $ 2,500,000,000
36 $2,500,000,000 $ 29,791,667 $2,500,000,000
37 $2,500,000,000 $ 29,791,667 $2,500,000,000
38 $2,500,000,000 $ 29,791,667 $2,500,000,000
39 $2,500,000,000 $ 29,791,667 $2,500,000,000
40 $2,500,000,000 $ 29,791,667 $2,500,000,000
41 $2,500,000,000 $ 29,791,667 $2,500,000,000
42 $2,500,000,000 $ 29,791,667 $2,500,000,000
43 $2,500,000,000 $ 29,791,667 $2,500,000,000
44 $2,500,000,000 $ 29,791,667 $2,500,000,000
45 $2,500,000,000 $ 29,791,667 $2,500,000,000
46 $2,500,000,000 $ 29,791,667 $2,500,000,000
47 $2,500,000,000 $ 29,791,667 $2,500,000,000
48 $2,500,000,000 $ 29,791,667 $2,500,000,000
49 $2,500,000,000 $ 29,791,667 $2,500,000,000
50 $2,500,000,000 $ 29,791,667 $2,500,000,000
51 $2,500,000,000 $ 29,791,667 $2,500,000,000
52 $2,500,000,000 $ 29,791,667 $2,500,000,000
53 $2,500,000,000 $ 29,791,667 $2,500,000,000
54 $2,500,000,000 $ 29,791,667 $2,500,000,000
55 $2,500,000,000 $ 29,791,667 $2,500,000,000
56 $2,500,000,000 $ 29,791,667 $2,500,000,000
57 $2,500,000,000 $ 29,791,667 $2,500,000,000
58 $2,500,000,000 $ 29,791,667 $2,500,000,000
59 $2,500,000,000 $ 29,791,667 $2,500,000,000
60 $2,500,000,000 $ 29,791,667 $2,500,000,000
Total inters $ 1,787,500,000
ple del 11,5% de un
que le presta la
es que debe pagar
de los 12 meses?

INTERES ACUMULADO
$ 23,958,333
$ 47,916,667
$ 71,875,000
$ 95,833,333
$ 119,791,667
$ 143,750,000
$ 167,708,333
$ 191,666,667
$ 215,625,000
$ 239,583,333
$ 263,541,667
$ 287,500,000

ple del 12,7% de un


que le presta la
es que debe pagar
de los 24 meses?

Se dividio el interes por 12 meses y son a 24

INTERES ACUMULADO
$ 26,458,333
$ 52,916,667
$ 79,375,000
$ 105,833,333
$ 132,291,667
$ 158,750,000
$ 185,208,333
$ 211,666,667
$ 238,125,000
$ 264,583,333
$ 291,041,667
$ 317,500,000
$ 343,958,333
$ 370,416,667
$ 396,875,000
$ 423,333,333
$ 449,791,667
$ 476,250,000
$ 502,708,333
$ 529,166,667
$ 555,625,000
$ 582,083,333
$ 608,541,667
$ 635,000,000

ple del 12,9% de un


que le presta la
es que debe pagar
de los 36 meses?

Se dividio el interes por 12 meses y son a 36

INTERES ACUMULADO
$ 26,875,000
$ 53,750,000
$ 80,625,000
$ 107,500,000
$ 134,375,000
$ 161,250,000
$ 188,125,000
$ 215,000,000
$ 241,875,000
$ 268,750,000
$ 295,625,000
$ 322,500,000
$ 349,375,000
$ 376,250,000
$ 403,125,000
$ 430,000,000
$ 456,875,000
$ 483,750,000
$ 510,625,000
$ 537,500,000
$ 564,375,000
$ 591,250,000
$ 618,125,000
$ 645,000,000
$ 671,875,000
$ 698,750,000
$ 725,625,000
$ 752,500,000
$ 779,375,000
$ 806,250,000
$ 833,125,000
$ 860,000,000
$ 886,875,000
$ 913,750,000
$ 940,625,000
$ 967,500,000

ple del 13,2% de un


que le presta la
es que debe pagar
de los 48 meses?

Se dividio el interes por 12 meses y son a 48

INTERES ACUMULADO
$ 27,500,000
$ 55,000,000
$ 82,500,000
$ 110,000,000
$ 137,500,000
$ 165,000,000
$ 192,500,000
$ 220,000,000
$ 247,500,000
$ 275,000,000
$ 302,500,000
$ 330,000,000
$ 357,500,000
$ 385,000,000
$ 412,500,000
$ 440,000,000
$ 467,500,000
$ 495,000,000
$ 522,500,000
$ 550,000,000
$ 577,500,000
$ 605,000,000
$ 632,500,000
$ 660,000,000
$ 687,500,000
$ 715,000,000
$ 742,500,000
$ 770,000,000
$ 797,500,000
$ 825,000,000
$ 852,500,000
$ 880,000,000
$ 907,500,000
$ 935,000,000
$ 962,500,000
$ 990,000,000
$ 1,017,500,000
$ 1,045,000,000
$ 1,072,500,000
$ 1,100,000,000
$ 1,127,500,000
$ 1,155,000,000
$ 1,182,500,000
$ 1,210,000,000
$ 1,237,500,000
$ 1,265,000,000
$ 1,292,500,000
$ 1,320,000,000

ple del 14,3% de un


que le presta la
es que debe pagar
de los 60 meses?
Se dividio el interes por 12 meses y son a 60

INTERES ACUMULADO
$ 29,791,667
$ 59,583,333
$ 89,375,000
$ 119,166,667
$ 148,958,333
$ 178,750,000
$ 208,541,667
$ 238,333,333
$ 268,125,000
$ 297,916,667
$ 327,708,333
$ 357,500,000
$ 387,291,667
$ 417,083,333
$ 446,875,000
$ 476,666,667
$ 506,458,333
$ 536,250,000
$ 566,041,667
$ 595,833,333
$ 625,625,000
$ 655,416,667
$ 685,208,333
$ 715,000,000
$ 744,791,667
$ 774,583,333
$ 804,375,000
$ 834,166,667
$ 863,958,333
$ 893,750,000
$ 923,541,667
$ 953,333,333
$ 983,125,000
$ 1,012,916,667
$ 1,042,708,333
$ 1,072,500,000
$ 1,102,291,667
$ 1,132,083,333
$ 1,161,875,000
$ 1,191,666,667
$ 1,221,458,333
$ 1,251,250,000
$ 1,281,041,667
$ 1,310,833,333
$ 1,340,625,000
$ 1,370,416,667
$ 1,400,208,333
$ 1,430,000,000
$ 1,459,791,667
$ 1,489,583,333
$ 1,519,375,000
$ 1,549,166,667
$ 1,578,958,333
$ 1,608,750,000
$ 1,638,541,667
$ 1,668,333,333
$ 1,698,125,000
$ 1,727,916,667
$ 1,757,708,333
$ 1,787,500,000
B. Aplicando la tasa de inters efectiva anual del 11,5% de un crdito
de $ 2.500.000.000 a 12 meses 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?

Capital $ 2,500,000,000
Tasa de inters 0.9112%
Tiempo 12

MESES CAPITAL INICIAL INTERES GENERADO


1 $ 2,500,000,000 $ 22,780,000
2 $ 2,522,780,000 $ 22,987,571
3 $ 2,545,767,571 $ 23,197,034
4 $ 2,568,964,605 $ 23,408,405
5 $ 2,592,373,011 $ 23,621,703
6 $ 2,615,994,714 $ 23,836,944
7 $ 2,639,831,658 $ 24,054,146
8 $ 2,663,885,804 $ 24,273,327
9 $ 2,688,159,131 $ 24,494,506
10 $ 2,712,653,637 $ 24,717,700
11 $ 2,737,371,337 $ 24,942,928
12 $ 2,762,314,265 $ 25,170,208
Total inters $ 287,484,472

D. Aplicando la tasa de inters efectiva anual del 12,7% de


un crdito de $ 2.500.000.000 a 24 meses que le presta la
entidad B, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 24 meses?

Capital $ 2,500,000,000
Tasa de inters 1.0013%
Tiempo 24

MESES CAPITAL INICIAL INTERES GENERADO


1 $ 2,500,000,000 $ 25,032,500
2 $ 2,525,032,500 $ 25,283,150
3 $ 2,550,315,650 $ 25,536,311
4 $ 2,575,851,961 $ 25,792,006
5 $ 2,601,643,967 $ 26,050,261
6 $ 2,627,694,228 $ 26,311,102
7 $ 2,654,005,330 $ 26,574,555
8 $ 2,680,579,885 $ 26,840,646
9 $ 2,707,420,532 $ 27,109,402
10 $ 2,734,529,934 $ 27,380,848
11 $ 2,761,910,782 $ 27,655,013
12 $ 2,789,565,794 $ 27,931,922
13 $ 2,817,497,717 $ 28,211,605
14 $ 2,845,709,321 $ 28,494,087
15 $ 2,874,203,409 $ 28,779,399
16 $ 2,902,982,808 $ 29,067,567
17 $ 2,932,050,374 $ 29,358,620
18 $ 2,961,408,995 $ 29,652,588
19 $ 2,991,061,583 $ 29,949,500
20 $ 3,021,011,083 $ 30,249,384
21 $ 3,051,260,467 $ 30,552,271
22 $ 3,081,812,738 $ 30,858,191
23 $ 3,112,670,929 $ 31,167,174
24 $ 3,143,838,103 $ 31,479,251
Total inters $ 675,317,354

F. Aplicando la tasa de inters efectiva anual del 12,9% de


un crdito de $ 2.500.000.000 a 36 meses que le presta la
entidad C, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 36 meses?

Capital $ 2,500,000,000
Tasa de inters 1.0162%
Tiempo 36

MESES CAPITAL INICIAL INTERES GENERADO


1 $ 2,500,000,000 $ 25,405,000
2 $ 2,525,405,000 $ 25,663,166
3 $ 2,551,068,166 $ 25,923,955
4 $ 2,576,992,120 $ 26,187,394
5 $ 2,603,179,514 $ 26,453,510
6 $ 2,629,633,024 $ 26,722,331
7 $ 2,656,355,355 $ 26,993,883
8 $ 2,683,349,238 $ 27,268,195
9 $ 2,710,617,433 $ 27,545,294
10 $ 2,738,162,728 $ 27,825,210
11 $ 2,765,987,937 $ 28,107,969
12 $ 2,794,095,907 $ 28,393,603
13 $ 2,822,489,509 $ 28,682,138
14 $ 2,851,171,648 $ 28,973,606
15 $ 2,880,145,254 $ 29,268,036
16 $ 2,909,413,290 $ 29,565,458
17 $ 2,938,978,748 $ 29,865,902
18 $ 2,968,844,650 $ 30,169,399
19 $ 2,999,014,049 $ 30,475,981
20 $ 3,029,490,030 $ 30,785,678
21 $ 3,060,275,708 $ 31,098,522
22 $ 3,091,374,230 $ 31,414,545
23 $ 3,122,788,774 $ 31,733,780
24 $ 3,154,522,554 $ 32,056,258
25 $ 3,186,578,812 $ 32,382,014
26 $ 3,218,960,826 $ 32,711,080
27 $ 3,251,671,906 $ 33,043,490
28 $ 3,284,715,396 $ 33,379,278
29 $ 3,318,094,674 $ 33,718,478
30 $ 3,351,813,152 $ 34,061,125
31 $ 3,385,874,277 $ 34,407,254
32 $ 3,420,281,531 $ 34,756,901
33 $ 3,455,038,432 $ 35,110,101
34 $ 3,490,148,533 $ 35,466,889
35 $ 3,525,615,422 $ 35,827,304
36 $ 3,561,442,726 $ 36,191,381
Total inters $ 1,097,634,107

H. Aplicando la tasa de inters efectiva anual del 13,2% de


un crdito de $ 2.500.000.000 a 48 meses que le presta la
entidad D, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 48 meses?

Capital $ 2,500,000,000
Tasa de inters 1.0386%
Tiempo 48

MESES CAPITAL INICIAL INTERES GENERADO


1 $ 2,500,000,000 $ 25,965,000
2 $ 2,525,965,000 $ 26,234,672
3 $ 2,552,199,672 $ 26,507,146
4 $ 2,578,706,818 $ 26,782,449
5 $ 2,605,489,267 $ 27,060,612
6 $ 2,632,549,879 $ 27,341,663
7 $ 2,659,891,542 $ 27,625,634
8 $ 2,687,517,175 $ 27,912,553
9 $ 2,715,429,729 $ 28,202,453
10 $ 2,743,632,182 $ 28,495,364
11 $ 2,772,127,546 $ 28,791,317
12 $ 2,800,918,863 $ 29,090,343
13 $ 2,830,009,206 $ 29,392,476
14 $ 2,859,401,681 $ 29,697,746
15 $ 2,889,099,427 $ 30,006,187
16 $ 2,919,105,614 $ 30,317,831
17 $ 2,949,423,445 $ 30,632,712
18 $ 2,980,056,157 $ 30,950,863
19 $ 3,011,007,020 $ 31,272,319
20 $ 3,042,279,339 $ 31,597,113
21 $ 3,073,876,452 $ 31,925,281
22 $ 3,105,801,733 $ 32,256,857
23 $ 3,138,058,590 $ 32,591,877
24 $ 3,170,650,466 $ 32,930,376
25 $ 3,203,580,842 $ 33,272,391
26 $ 3,236,853,233 $ 33,617,958
27 $ 3,270,471,190 $ 33,967,114
28 $ 3,304,438,304 $ 34,319,896
29 $ 3,338,758,200 $ 34,676,343
30 $ 3,373,434,543 $ 35,036,491
31 $ 3,408,471,034 $ 35,400,380
32 $ 3,443,871,414 $ 35,768,049
33 $ 3,479,639,463 $ 36,139,535
34 $ 3,515,778,998 $ 36,514,881
35 $ 3,552,293,879 $ 36,894,124
36 $ 3,589,188,003 $ 37,277,307
37 $ 3,626,465,310 $ 37,664,469
38 $ 3,664,129,778 $ 38,055,652
39 $ 3,702,185,430 $ 38,450,898
40 $ 3,740,636,328 $ 38,850,249
41 $ 3,779,486,577 $ 39,253,748
42 $ 3,818,740,325 $ 39,661,437
43 $ 3,858,401,762 $ 40,073,361
44 $ 3,898,475,122 $ 40,489,563
45 $ 3,938,964,685 $ 40,910,087
46 $ 3,979,874,772 $ 41,334,979
47 $ 4,021,209,752 $ 41,764,284
48 $ 4,062,974,036 $ 42,198,048
Total inters $ 1,605,172,084

J. Aplicando la tasa de inters efectiva anual del 14,3% de


un crdito de $ 2.500.000.000 a 60 meses que le presta la
entidad E, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 60 meses?
J. Aplicando la tasa de inters efectiva anual del 14,3% de
un crdito de $ 2.500.000.000 a 60 meses que le presta la
entidad E, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 60 meses?

Capital $ 2,500,000,000
Tasa de inters 1.1200%
Tiempo 60

MESES CAPITAL INICIAL INTERES GENERADO


1 $ 2,500,000,000 $ 28,000,000
2 $ 2,528,000,000 $ 28,313,600
3 $ 2,556,313,600 $ 28,630,712
4 $ 2,584,944,312 $ 28,951,376
5 $ 2,613,895,689 $ 29,275,632
6 $ 2,643,171,320 $ 29,603,519
7 $ 2,672,774,839 $ 29,935,078
8 $ 2,702,709,917 $ 30,270,351
9 $ 2,732,980,268 $ 30,609,379
10 $ 2,763,589,647 $ 30,952,204
11 $ 2,794,541,851 $ 31,298,869
12 $ 2,825,840,720 $ 31,649,416
13 $ 2,857,490,136 $ 32,003,890
14 $ 2,889,494,026 $ 32,362,333
15 $ 2,921,856,359 $ 32,724,791
16 $ 2,954,581,150 $ 33,091,309
17 $ 2,987,672,459 $ 33,461,932
18 $ 3,021,134,391 $ 33,836,705
19 $ 3,054,971,096 $ 34,215,676
20 $ 3,089,186,772 $ 34,598,892
21 $ 3,123,785,664 $ 34,986,399
22 $ 3,158,772,063 $ 35,378,247
23 $ 3,194,150,310 $ 35,774,483
24 $ 3,229,924,794 $ 36,175,158
25 $ 3,266,099,952 $ 36,580,319
26 $ 3,302,680,271 $ 36,990,019
27 $ 3,339,670,290 $ 37,404,307
28 $ 3,377,074,597 $ 37,823,235
29 $ 3,414,897,833 $ 38,246,856
30 $ 3,453,144,688 $ 38,675,221
31 $ 3,491,819,909 $ 39,108,383
32 $ 3,530,928,292 $ 39,546,397
33 $ 3,570,474,689 $ 39,989,317
34 $ 3,610,464,005 $ 40,437,197
35 $ 3,650,901,202 $ 40,890,093
36 $ 3,691,791,296 $ 41,348,063
37 $ 3,733,139,358 $ 41,811,161
38 $ 3,774,950,519 $ 42,279,446
39 $ 3,817,229,965 $ 42,752,976
40 $ 3,859,982,940 $ 43,231,809
41 $ 3,903,214,749 $ 43,716,005
42 $ 3,946,930,755 $ 44,205,624
43 $ 3,991,136,379 $ 44,700,727
44 $ 4,035,837,106 $ 45,201,376
45 $ 4,081,038,482 $ 45,707,631
46 $ 4,126,746,113 $ 46,219,556
47 $ 4,172,965,669 $ 46,737,215
48 $ 4,219,702,885 $ 47,260,672
49 $ 4,266,963,557 $ 47,789,992
50 $ 4,314,753,549 $ 48,325,240
51 $ 4,363,078,789 $ 48,866,482
52 $ 4,411,945,271 $ 49,413,787
53 $ 4,461,359,058 $ 49,967,221
54 $ 4,511,326,280 $ 50,526,854
55 $ 4,561,853,134 $ 51,092,755
56 $ 4,612,945,889 $ 51,664,994
57 $ 4,664,610,883 $ 52,243,642
58 $ 4,716,854,525 $ 52,828,771
59 $ 4,769,683,296 $ 53,420,453
60 $ 4,823,103,749 $ 54,018,762
Total inters $ 2,377,122,511
l del 11,5% de un crdito
a la entidad A, cual es el
mpaa ENRECOL S.A.S al
es?

CAPITAL FINAL
$ 2,522,780,000
$ 2,545,767,571
$ 2,568,964,605
$ 2,592,373,011
$ 2,615,994,714
$ 2,639,831,658
$ 2,663,885,804
$ 2,688,159,131
$ 2,712,653,637
$ 2,737,371,337
$ 2,762,314,265
$ 2,787,484,472

anual del 12,7% de


ses que le presta la
ses que debe pagar
de los 24 meses?

CAPITAL FINAL
$ 2,525,032,500
$ 2,550,315,650
$ 2,575,851,961
$ 2,601,643,967
$ 2,627,694,228
$ 2,654,005,330
$ 2,680,579,885
$ 2,707,420,532
$ 2,734,529,934
$ 2,761,910,782
$ 2,789,565,794
$ 2,817,497,717
$ 2,845,709,321
$ 2,874,203,409
$ 2,902,982,808
$ 2,932,050,374
$ 2,961,408,995
$ 2,991,061,583
$ 3,021,011,083
$ 3,051,260,467
$ 3,081,812,738
$ 3,112,670,929
$ 3,143,838,103
$ 3,175,317,354

anual del 12,9% de


ses que le presta la
ses que debe pagar
de los 36 meses?

CAPITAL FINAL
$ 2,525,405,000
$ 2,551,068,166
$ 2,576,992,120
$ 2,603,179,514
$ 2,629,633,024
$ 2,656,355,355
$ 2,683,349,238
$ 2,710,617,433
$ 2,738,162,728
$ 2,765,987,937
$ 2,794,095,907
$ 2,822,489,509
$ 2,851,171,648
$ 2,880,145,254
$ 2,909,413,290
$ 2,938,978,748
$ 2,968,844,650
$ 2,999,014,049
$ 3,029,490,030
$ 3,060,275,708
$ 3,091,374,230
$ 3,122,788,774
$ 3,154,522,554
$ 3,186,578,812
$ 3,218,960,826
$ 3,251,671,906
$ 3,284,715,396
$ 3,318,094,674
$ 3,351,813,152
$ 3,385,874,277
$ 3,420,281,531
$ 3,455,038,432
$ 3,490,148,533
$ 3,525,615,422
$ 3,561,442,726
$ 3,597,634,107

anual del 13,2% de


ses que le presta la
ses que debe pagar
de los 48 meses?

CAPITAL FINAL
$ 2,525,965,000
$ 2,552,199,672
$ 2,578,706,818
$ 2,605,489,267
$ 2,632,549,879
$ 2,659,891,542
$ 2,687,517,175
$ 2,715,429,729
$ 2,743,632,182
$ 2,772,127,546
$ 2,800,918,863
$ 2,830,009,206
$ 2,859,401,681
$ 2,889,099,427
$ 2,919,105,614
$ 2,949,423,445
$ 2,980,056,157
$ 3,011,007,020
$ 3,042,279,339
$ 3,073,876,452
$ 3,105,801,733
$ 3,138,058,590
$ 3,170,650,466
$ 3,203,580,842
$ 3,236,853,233
$ 3,270,471,190
$ 3,304,438,304
$ 3,338,758,200
$ 3,373,434,543
$ 3,408,471,034
$ 3,443,871,414
$ 3,479,639,463
$ 3,515,778,998
$ 3,552,293,879
$ 3,589,188,003
$ 3,626,465,310
$ 3,664,129,778
$ 3,702,185,430
$ 3,740,636,328
$ 3,779,486,577
$ 3,818,740,325
$ 3,858,401,762
$ 3,898,475,122
$ 3,938,964,685
$ 3,979,874,772
$ 4,021,209,752
$ 4,062,974,036
$ 4,105,172,084

anual del 14,3% de


ses que le presta la
ses que debe pagar
de los 60 meses?
CAPITAL FINAL
$ 2,528,000,000
$ 2,556,313,600
$ 2,584,944,312
$ 2,613,895,689
$ 2,643,171,320
$ 2,672,774,839
$ 2,702,709,917
$ 2,732,980,268
$ 2,763,589,647
$ 2,794,541,851
$ 2,825,840,720
$ 2,857,490,136
$ 2,889,494,026
$ 2,921,856,359
$ 2,954,581,150
$ 2,987,672,459
$ 3,021,134,391
$ 3,054,971,096
$ 3,089,186,772
$ 3,123,785,664
$ 3,158,772,063
$ 3,194,150,310
$ 3,229,924,794
$ 3,266,099,952
$ 3,302,680,271
$ 3,339,670,290
$ 3,377,074,597
$ 3,414,897,833
$ 3,453,144,688
$ 3,491,819,909
$ 3,530,928,292
$ 3,570,474,689
$ 3,610,464,005
$ 3,650,901,202
$ 3,691,791,296
$ 3,733,139,358
$ 3,774,950,519
$ 3,817,229,965
$ 3,859,982,940
$ 3,903,214,749
$ 3,946,930,755
$ 3,991,136,379
$ 4,035,837,106
$ 4,081,038,482
$ 4,126,746,113
$ 4,172,965,669
$ 4,219,702,885
$ 4,266,963,557
$ 4,314,753,549
$ 4,363,078,789
$ 4,411,945,271
$ 4,461,359,058
$ 4,511,326,280
$ 4,561,853,134
$ 4,612,945,889
$ 4,664,610,883
$ 4,716,854,525
$ 4,769,683,296
$ 4,823,103,749
$ 4,877,122,511

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