1.

Una mina en explotación tiene una producción anual de 600 000 dólares y se calcula que se agotará
en 5 años. ¿Cuál es el valor actual de la producción si el rendimiento del dinero es de 11% anual?

DATOS
1−(1+0.11)−5 1−0.593451328 0.406548671
R = $600 000 𝐶 = 600,000 [ 0.11
] =[ 0.11
] =[ 0.11
]

n = 5 años

i = 11% anual = 0.11 600,000(3.695897018) = 2,217,538.21

C =?

pago renta interes amortizacion saldo absoluto

0 0 0 0 2,217,538.21
1 600,000 243929.2031 356,071 1,861,467.41
2 600,000 204761.4154 395,239 1,466,228.83
3 600,000 161285.1711 438,715 1,027,514.00
4 600,000 113026.54 486,973 540,540.54
5 600,000 59459.45936 540,541 0.00

2. El señor López deposita 150 000 cada fin de año en una cuenta de ahorros que abona 4% de interés
¿Cuánto habrá ahorrado al hacer el cuarto deposito?

DATOS

R = $150 000 (importe de la renta o pago periódico)

(1+0,04)4 −1 1.16985856−1
i = 4% (tasa nominal anual) 𝑀 = 150,000 [ 0.04
] =[ 0.04
]

0.16985856
n = 4 años 𝑀 = 150,000 [ 0.04
] = 150,000(4.246464)

𝑀 = 636,969.60

pago renta interés amortización fondo de ahorros

0 0 0 0 0
1 150,000 0 150,000 150,000
2 150,000 6000 156,000 306,000
3 150,000 12240 162,240 468,240
4 150,000 18729.6 168,730 636,970
600,000 36969.6 636,970

3. Si se calculan los intereses a una tasa del 22% convertible trimestralmente, ¿Qué pago único de
inmediato es equivalente a 15 pagos trimestrales de $800 si el primero de ellos se hace dentro de 3
meses?
 1−(1+0.055)−15 1−0.447933048
DATOS: 𝐶 = 800 [ 0.055
] = [ 0.055
]

I=22% anual
0.552066952
= 5.5% trimestral 𝐶 = 800 [ 0.055
] = 800(10.03758095) = 8,030.06476

R=800

N=15

pago renta interes amortizacion saldo absoluto

0 0 0 0 8,030.06
1 800 441.6535618 358.3464382 7,671.72
2 800 421.9445077 378.0554923 7,293.66
3 800 401.1514556 398.8485444 6,894.81
4 800 379.2147857 420.7852143 6,474.03
5 800 356.0715989 443.9284011 6,030.10
6 800 331.6555368 468.3444632 5,561.76
7 800 305.8965914 494.1034086 5,067.65
8 800 278.7209039 521.2790961 4,546.37
9 800 250.0505536 549.9494464 3,996.42
10 800 219.803334 580.196666 3,416.23
11 800 187.8925174 612.1074826 2,804.12
12 800 154.2266059 645.7733941 2,158.35
13 800 118.7090692 681.2909308 1,477.06
14 800 81.23806801 718.761932 758.29
15 800 41.70616175 758.2938383 0.00

4. ¿Qué cantidad se debería de depositar el 31 de enero del año 1 para poder hacer 15 retiros
mensuales de $5 000 a partir del último día de febrero de ese año, si la cuenta en que se deposita
paga 9% de interés convertible cada mes?

DATOS:
1−(1+0.0075)−15 1−0.893972537 0.106002746
R=5000 𝐶 = 5000 [ 0.0075
] =[ 0,0075
] =[ 0.0075
]

I=9% anual= 0.75% mensual=0.0075 𝐶 = 5000(14.13369951) = 70,648.97

N=15

pago renta interes amortizacion saldo absolu

0 0 0 0 70,684.97
1 5000 530.137275 4469.862725 66,215.11
2 5000 496.6133046 4503.386695 61,711.72
3 5000 462.8379043 4537.162096 57,174.56
4 5000 428.8091886 4571.190811 52,603.37
5 5000 394.5252575 4605.474742 47,997.89
6 5000 359.984197 4640.015803 43,357.88
7 5000 325.1840785 4674.815922 38,683.06
 8 5000 290.122959 4709.877041 33,973.18
9 5000 254.7988812 4745.201119 29,227.98
10 5000 219.2098728 4780.790127 24,447.19
11 5000 183.3539469 4816.646053 19,630.55
12 5000 147.2291015 4852.770899 14,777.78
13 5000 110.8333198 4889.16668 9,888.61
14 5000 74.16456965 4925.83543 4,962.77
15 5000 37.22080392 4962.779196 -0.01

5. Calcule el valor actual de un terreno, con un interés de 15% con capitalización mensual, si se vendió con
las siguientes condiciones  $40 000 de enganche  Mensualidades vencidas por $2 250 durante 4.25 años 
Un pago final de $25 000 un mes después de la última mensualidad.

DATOS:

j = 15%

m = 12

R=2,250

N=4.25 años=51 meses

𝑗 15%
𝑖= = = 1.25% = 0.0125
𝑚 12
𝑋 = 𝑒𝑛𝑔𝑎𝑛𝑐ℎ𝑒 + 𝐶 + 𝐶1

1 − (1 + 0.0125)−51
𝑋 = 40000 + 2250 [ ] + 25000(1 + 0.0125)−52
0.0125

𝑋 = 40000 + 2250(37.54358099) + 25000(0.524153321) = 40000 + 84,473.05723 + 13,103.83303

𝑋 = $137,576.89

pago renta interes amortizacion saldo absoluto

0 40000 0 0 97,576.89
1 2250 1219.711125 1030.288875 96,546.60
2 2250 1206.832514 1043.167486 95,503.43
3 2250 1193.79292 1056.20708 94,447.23
4 2250 1180.590332 1069.409668 93,377.82
5 2250 1167.222711 1082.777289 92,295.04
6 2250 1153.687995 1096.312005 91,198.73
7 2250 1139.984095 1110.015905 90,088.71
8 2250 1126.108896 1123.891104 88,964.82
9 2250 1112.060257 1137.939743 87,826.88
10 2250 1097.836011 1152.163989 86,674.72
11 2250 1083.433961 1166.566039 85,508.15
12 2250 1068.851885 1181.148115 84,327.00
13 2250 1054.087534 1195.912466 83,131.09
14 2250 1039.138628 1210.861372 81,920.23
15 2250 1024.002861 1225.997139 80,694.23
16 2250 1008.677897 1241.322103 79,452.91
17 2250 993.1613703 1256.83863 78,196.07
18 2250 977.4508874 1272.549113 76,923.52
19 2250 961.5440235 1288.455977 75,635.07
20 2250 945.4383238 1304.561676 74,330.50
21 2250 929.1313028 1320.868697 73,009.64
22 2250 912.6204441 1337.379556 71,672.26
23 2250 895.9031997 1354.0968 70,318.16
24 2250 878.9769897 1371.02301 68,947.14
25 2250 861.839202 1388.160798 67,558.98
26 2250 844.4871921 1405.512808 66,153.46
27 2250 826.918282 1423.081718 64,730.38
28 2250 809.1297605 1440.87024 63,289.51
29 2250 791.1188825 1458.881118 61,830.63
30 2250 772.8828685 1477.117131 60,353.51
31 2250 754.4189044 1495.581096 58,857.93
32 2250 735.7241407 1514.275859 57,343.66
33 2250 716.7956924 1533.204308 55,810.45
34 2250 697.6306386 1552.369361 54,258.08
35 2250 678.2260216 1571.773978 52,686.31
36 2250 658.5788469 1591.421153 51,094.89
37 2250 638.6860824 1611.313918 49,483.57
38 2250 618.5446585 1631.455342 47,852.12
39 2250 598.1514667 1651.848533 46,200.27
40 2250 577.50336 1672.49664 44,527.77
41 2250 556.597152 1693.402848 42,834.37
42 2250 535.4296164 1714.570384 41,119.80
43 2250 513.9974866 1736.002513 39,383.80
44 2250 492.2974552 1757.702545 37,626.09
45 2250 470.3261734 1779.673827 35,846.42
46 2250 448.0802506 1801.919749 34,044.50
47 2250 425.5562537 1824.443746 32,220.06
48 2250 402.7507069 1847.249293 30,372.81
49 2250 379.6600907 1870.339909 28,502.47
50 2250 356.2808419 1893.719158 26,608.75
51 2250 332.6093524 1917.390648 24,691.36
52 25000 308.6419693 24691.35803 0.00

6 El papá de un niño de 8 años empieza ahorrar para que su hijo pueda estudiar una carrera
universitaria. Planea depositar $3 500 en una cuenta de ahorras al final de cada mes durante los
próximos 10 años. Si la tasa de interés del 8.4% anual, a) ¿Cuál será el monto de la cuenta al cabo de
10 años? b) ¿de cuánto serán los intereses?
DATOS:
(1+0.007)120 −1 2.309598381−1 1.309598381
R=3500 𝑀 = 3500 [ 0.007
] =[ 0.007
] =[ 0.007
]

N=10 años=120 meses 𝑀 = 3500(187.085483) = 654,799.1905

I=8.4% anual =0.7%=0.007

pago renta interes amortizacion fondo dde ahorro

0 0 0 0 0
1 3500 0 3500 3500
2 3500 24.5 3524.5 7024.5
3 3500 49.1715 3549.1715 10573.6715
4 3500 74.0157005 3574.015701 14147.6872
5 3500 99.0338104 3599.03381 17746.72101
6 3500 124.2270471 3624.227047 21370.94806
7 3500 149.5966364 3649.596636 25020.54469
8 3500 175.1438129 3675.143813 28695.68851
9 3500 200.8698196 3700.86982 32396.55833
10 3500 226.7759083 3726.775908 36123.33424
11 3500 252.8633396 3752.86334 39876.19757
12 3500 279.133383 3779.133383 43655.33096
13 3500 305.5873167 3805.587317 47460.91827
14 3500 332.2264279 3832.226428 51293.1447
15 3500 359.0520129 3859.052013 55152.19672
16 3500 386.065377 3886.065377 59038.26209
17 3500 413.2678346 3913.267835 62951.52993
18 3500 440.6607095 3940.660709 66892.19064
19 3500 468.2453345 3968.245334 70860.43597
20 3500 496.0230518 3996.023052 74856.45902
21 3500 523.9952132 4023.995213 78880.45424
22 3500 552.1631797 4052.16318 82932.61742
23 3500 580.5283219 4080.528322 87013.14574
24 3500 609.0920202 4109.09202 91122.23776
25 3500 637.8556643 4137.855664 95260.09342
26 3500 666.820654 4166.820654 99426.91408
27 3500 695.9883985 4195.988399 103622.9025
28 3500 725.3603173 4225.360317 107848.2628
29 3500 754.9378395 4254.93784 112103.2006
30 3500 784.7224044 4284.722404 116387.923
31 3500 814.7154612 4314.715461 120702.6385
32 3500 844.9184695 4344.918469 125047.557
33 3500 875.3328988 4375.332899 129422.8899
34 3500 905.9602291 4405.960229 133828.8501
35 3500 936.8019507 4436.801951 138265.652
36 3500 967.8595643 4467.859564 142733.5116
37 3500 999.1345813 4499.134581 147232.6462
38 3500 1030.628523 4530.628523 151763.2747
39 3500 1062.342923 4562.342923 156325.6176
40 3500 1094.279323 4594.279323 160919.897
41 3500 1126.439279 4626.439279 165546.3362
42 3500 1158.824354 4658.824354 170205.1606
43 3500 1191.436124 4691.436124 174896.5967
44 3500 1224.276177 4724.276177 179620.8729
45 3500 1257.34611 4757.34611 184378.219
46 3500 1290.647533 4790.647533 189168.8665
47 3500 1324.182066 4824.182066 193993.0486
48 3500 1357.95134 4857.95134 198850.9999
49 3500 1391.957 4891.957 203742.9569
50 3500 1426.200699 4926.200699 208669.1576
51 3500 1460.684103 4960.684103 213629.8417
52 3500 1495.408892 4995.408892 218625.2506
53 3500 1530.376754 5030.376754 223655.6274
54 3500 1565.589392 5065.589392 228721.2168
55 3500 1601.048517 5101.048517 233822.2653
56 3500 1636.755857 5136.755857 238959.0212
57 3500 1672.713148 5172.713148 244131.7343
58 3500 1708.92214 5208.92214 249340.6564
59 3500 1745.384595 5245.384595 254586.041
60 3500 1782.102287 5282.102287 259868.1433
61 3500 1819.077003 5319.077003 265187.2203
62 3500 1856.310542 5356.310542 270543.5309
63 3500 1893.804716 5393.804716 275937.3356
64 3500 1931.561349 5431.561349 281368.8969
65 3500 1969.582279 5469.582279 286838.4792
66 3500 2007.869355 5507.869355 292346.3486
67 3500 2046.42444 5546.42444 297892.773
68 3500 2085.249411 5585.249411 303478.0224
69 3500 2124.346157 5624.346157 309102.3686
70 3500 2163.71658 5663.71658 314766.0852
71 3500 2203.362596 5703.362596 320469.4478
72 3500 2243.286134 5743.286134 326212.7339
73 3500 2283.489137 5783.489137 331996.223
74 3500 2323.973561 5823.973561 337820.1966
75 3500 2364.741376 5864.741376 343684.938
76 3500 2405.794566 5905.794566 349590.7325
77 3500 2447.135128 5947.135128 355537.8677
78 3500 2488.765074 5988.765074 361526.6327
79 3500 2530.686429 6030.686429 367557.3192
80 3500 2572.901234 6072.901234 373630.2204
81 3500 2615.411543 6115.411543 379745.6319
82 3500 2658.219424 6158.219424 385903.8514
83 3500 2701.32696 6201.32696 392105.1783
84 3500 2744.736248 6244.736248 398349.9146
85 3500 2788.449402 6288.449402 404638.364
86 3500 2832.468548 6332.468548 410970.8325
87 3500 2876.795828 6376.795828 417347.6283
88 3500 2921.433398 6421.433398 423769.0617
89 3500 2966.383432 6466.383432 430235.4452
90 3500 3011.648116 6511.648116 436747.0933
91 3500 3057.229653 6557.229653 443304.3229
92 3500 3103.130261 6603.130261 449907.4532
93 3500 3149.352172 6649.352172 456556.8054
94 3500 3195.897638 6695.897638 463252.703
95 3500 3242.768921 6742.768921 469995.4719
96 3500 3289.968304 6789.968304 476785.4402
97 3500 3337.498082 6837.498082 483622.9383
98 3500 3385.360568 6885.360568 490508.2989
99 3500 3433.558092 6933.558092 497441.857
100 3500 3482.092999 6982.092999 504423.95
101 3500 3530.96765 7030.96765 511454.9176
102 3500 3580.184423 7080.184423 518535.1021
103 3500 3629.745714 7129.745714 525664.8478
104 3500 3679.653934 7179.653934 532844.5017
105 3500 3729.911512 7229.911512 540074.4132
106 3500 3780.520893 7280.520893 547354.9341
107 3500 3831.484539 7331.484539 554686.4186
108 3500 3882.804931 7382.804931 562069.2236
109 3500 3934.484565 7434.484565 569503.7081
110 3500 3986.525957 7486.525957 576990.2341
111 3500 4038.931639 7538.931639 584529.1657
112 3500 4091.70416 7591.70416 592120.8699
113 3500 4144.846089 7644.846089 599765.716
114 3500 4198.360012 7698.360012 607464.076
115 3500 4252.248532 7752.248532 615216.3245
116 3500 4306.514272 7806.514272 623022.8388
117 3500 4361.159872 7861.159872 630883.9987
118 3500 4416.187991 7916.187991 638800.1867
119 3500 4471.601307 7971.601307 646771.788
120 3500 4527.402516 8027.402516 654799.1905
 7 Con referencia al ejercicio 6, suponga que el depósito de $3 500 mensuales se efectúa únicamente
por los primeros 5 años y el resto del tiempo se depositan $4 000 mensuales, con el fin de
compensar la inflación. Obtenga el monto final y el interés ganado.

DATOS:

R=3500 en 5 años
(1+0.007)60 −1 1.519736287−1 0.519736287
osea 60 meses 𝑀 = 3500 [ ] =[ ] =[ ]
0.007 0.007 0.007

R =4000 en el resto 𝑴 = 𝟑𝟓𝟎𝟎(𝟕𝟒. 𝟐𝟒𝟖𝟎𝟒𝟎𝟗𝟓) = 𝟐𝟓𝟗, 𝟖𝟔𝟖. 𝟏𝟒𝟑𝟑

osea 5 años =60 meses

(1+0.007)60 −1 1.519736287−1 0.519736287
I=0.007𝑀 = 4000 [ 0.007
] =[ 0.007
] =[ 0.007
]

𝑴 = 𝟒𝟎𝟎𝟎(𝟕𝟒. 𝟐𝟒𝟖𝟎𝟒𝟎𝟗𝟓) = 𝟐𝟗𝟔, 𝟗𝟗𝟐. 𝟏𝟔𝟑𝟖

pago renta interes amortizacion fondo de ahorro

0 0 0 0 0
1 3500 0 3500 3500
2 3500 24.5 3524.5 7024.5
3 3500 49.1715 3549.1715 10573.6715
4 3500 74.0157005 3574.015701 14147.6872
5 3500 99.0338104 3599.03381 17746.72101
6 3500 124.2270471 3624.227047 21370.94806
7 3500 149.5966364 3649.596636 25020.54469
8 3500 175.1438129 3675.143813 28695.68851
9 3500 200.8698196 3700.86982 32396.55833
10 3500 226.7759083 3726.775908 36123.33424
11 3500 252.8633396 3752.86334 39876.19757
12 3500 279.133383 3779.133383 43655.33096
13 3500 305.5873167 3805.587317 47460.91827
14 3500 332.2264279 3832.226428 51293.1447
15 3500 359.0520129 3859.052013 55152.19672
16 3500 386.065377 3886.065377 59038.26209
17 3500 413.2678346 3913.267835 62951.52993
18 3500 440.6607095 3940.660709 66892.19064
19 3500 468.2453345 3968.245334 70860.43597
20 3500 496.0230518 3996.023052 74856.45902
21 3500 523.9952132 4023.995213 78880.45424
22 3500 552.1631797 4052.16318 82932.61742
23 3500 580.5283219 4080.528322 87013.14574
24 3500 609.0920202 4109.09202 91122.23776
25 3500 637.8556643 4137.855664 95260.09342
26 3500 666.820654 4166.820654 99426.91408
27 3500 695.9883985 4195.988399 103622.9025
28 3500 725.3603173 4225.360317 107848.2628
29 3500 754.9378395 4254.93784 112103.2006
30 3500 784.7224044 4284.722404 116387.923
31 3500 814.7154612 4314.715461 120702.6385
32 3500 844.9184695 4344.918469 125047.557
33 3500 875.3328988 4375.332899 129422.8899
34 3500 905.9602291 4405.960229 133828.8501
35 3500 936.8019507 4436.801951 138265.652
36 3500 967.8595643 4467.859564 142733.5116
37 3500 999.1345813 4499.134581 147232.6462
38 3500 1030.628523 4530.628523 151763.2747
39 3500 1062.342923 4562.342923 156325.6176
40 3500 1094.279323 4594.279323 160919.897
41 3500 1126.439279 4626.439279 165546.3362
42 3500 1158.824354 4658.824354 170205.1606
43 3500 1191.436124 4691.436124 174896.5967
44 3500 1224.276177 4724.276177 179620.8729
45 3500 1257.34611 4757.34611 184378.219
46 3500 1290.647533 4790.647533 189168.8665
47 3500 1324.182066 4824.182066 193993.0486
48 3500 1357.95134 4857.95134 198850.9999
49 3500 1391.957 4891.957 203742.9569
50 3500 1426.200699 4926.200699 208669.1576
51 3500 1460.684103 4960.684103 213629.8417
52 3500 1495.408892 4995.408892 218625.2506
53 3500 1530.376754 5030.376754 223655.6274
54 3500 1565.589392 5065.589392 228721.2168
55 3500 1601.048517 5101.048517 233822.2653
56 3500 1636.755857 5136.755857 238959.0212
57 3500 1672.713148 5172.713148 244131.7343
58 3500 1708.92214 5208.92214 249340.6564
59 3500 1745.384595 5245.384595 254586.041
60 3500 1782.102287 5282.102287 259868.1433

pago renta interes amortizacion fondo de ahorro

1 4000 0 4000 4000
2 4000 28 4028 8028
3 4000 56.196 4056.196 12084.196
4 4000 84.589372 4084.589372 16168.78537
5 4000 113.1814976 4113.181498 20281.96687
6 4000 141.9737681 4141.973768 24423.94064
7 4000 170.9675845 4170.967584 28594.90822
8 4000 200.1643576 4200.164358 32795.07258
9 4000 229.5655081 4229.565508 37024.63809
10 4000 259.1724666 4259.172467 41283.81055
11 4000 288.9866739 4288.986674 45572.79723
12 4000 319.0095806 4319.009581 49891.80681
13 4000 349.2426477 4349.242648 54241.04946
14 4000 379.6873462 4379.687346 58620.7368
15 4000 410.3451576 4410.345158 63031.08196
16 4000 441.2175737 4441.217574 67472.29953
17 4000 472.3060967 4472.306097 71944.60563
18 4000 503.6122394 4503.612239 76448.21787
19 4000 535.1375251 4535.137525 80983.3554
20 4000 566.8834878 4566.883488 85550.23888
21 4000 598.8516722 4598.851672 90149.09056
22 4000 631.0436339 4631.043634 94780.13419
23 4000 663.4609393 4663.460939 99443.59513
24 4000 696.1051659 4696.105166 104139.7003
25 4000 728.9779021 4728.977902 108868.6782
26 4000 762.0807474 4762.080747 113630.7589
27 4000 795.4153126 4795.415313 118426.1743
28 4000 828.9832198 4828.98322 123255.1575
29 4000 862.7861023 4862.786102 128117.9436
30 4000 896.825605 4896.825605 133014.7692
31 4000 931.1033843 4931.103384 137945.8726
32 4000 965.621108 4965.621108 142911.4937
33 4000 1000.380456 5000.380456 147911.8741
34 4000 1035.383119 5035.383119 152947.2573
35 4000 1070.630801 5070.630801 158017.8881
36 4000 1106.125216 5106.125216 163124.0133
37 4000 1141.868093 5141.868093 168265.8814
38 4000 1177.86117 5177.86117 173443.7425
39 4000 1214.106198 5214.106198 178657.8487
40 4000 1250.604941 5250.604941 183908.4537
41 4000 1287.359176 5287.359176 189195.8128
42 4000 1324.37069 5324.37069 194520.1835
43 4000 1361.641285 5361.641285 199881.8248
44 4000 1399.172774 5399.172774 205280.9976
45 4000 1436.966983 5436.966983 210717.9646
46 4000 1475.025752 5475.025752 216192.9903
47 4000 1513.350932 5513.350932 221706.3413
48 4000 1551.944389 5551.944389 227258.2856
49 4000 1590.808 5590.808 232849.0936
50 4000 1629.943656 5629.943656 238479.0373
51 4000 1669.353261 5669.353261 244148.3906
52 4000 1709.038734 5709.038734 249857.4293
53 4000 1749.002005 5749.002005 255606.4313
54 4000 1789.245019 5789.245019 261395.6763
55 4000 1829.769734 5829.769734 267225.4461
56 4000 1870.578122 5870.578122 273096.0242
 57 4000 1911.672169 5911.672169 279007.6963
58 4000 1953.053874 5953.053874 284960.7502
59 4000 1994.725252 5994.725252 290955.4755
60 4000 2036.688328 6036.688328 296992.1638

8. De Una tienda departamental vende hornos de microondas a crédito, sin enganche y 52 pagos semanales
de $66.83 cada uno. Si la tasa de interés es del 48% capitalizable cada semana, calcule: a) La cantidad a
pagar por el horno b) El precio de contado c) El interés que se paga al comprar a crédito
𝟏−(𝟏+𝟎.𝟎𝟎𝟗𝟐)−𝟓𝟐 𝟏−𝟎.𝟔𝟐𝟏𝟏)
DATOS: 𝑪 = 𝟔𝟔. 𝟖𝟑 [ 𝟎.𝟎𝟎𝟗𝟐
] =[ 𝟎.𝟎𝟎𝟗𝟐
] = 𝟔𝟔. 𝟖𝟑(𝟒𝟏. 𝟏𝟖𝟏𝟑𝟎𝟒𝟑𝟓)

R=66.83 𝑪 = 𝟐, 𝟕𝟓𝟐. 𝟏𝟒 𝒑𝒓𝒆𝒄𝒊𝒐 𝒄𝒐𝒏𝒕𝒂𝒅𝒐

I=48%/100/52= 0.0092 𝒄𝒂𝒏𝒕𝒊𝒅𝒂𝒅 𝒑𝒂𝒈𝒂𝒅𝒂 = 𝟔𝟔. 𝟖𝟑(𝟓𝟐) = 𝟑, 𝟒𝟕𝟓. 𝟏𝟔

N=52 semanas 𝒊𝒏𝒕𝒆𝒓𝒆𝒔 = 𝟑, 𝟒𝟕𝟓. 𝟏𝟔 − 𝟐, 𝟕𝟓𝟐. 𝟏𝟒 = 𝟕𝟐𝟑. 𝟎𝟐

pago renta interes amortizacion saldo insoluto

0 0 0 0 2,750.10
1 66.83 25.3009338 41.5290662 2,708.57
2 66.83 24.91886639 41.91113361 2,666.66
3 66.83 24.53328396 42.29671604 2,624.36
4 66.83 24.14415417 42.68584583 2,581.68
5 66.83 23.75144439 43.07855561 2,538.60
6 66.83 23.35512168 43.47487832 2,495.13
7 66.83 22.9551528 43.8748472 2,451.25
8 66.83 22.55150421 44.27849579 2,406.97
9 66.83 22.14414204 44.68585796 2,362.29
10 66.83 21.73303215 45.09696785 2,317.19
11 66.83 21.31814005 45.51185995 2,271.68
12 66.83 20.89943094 45.93056906 2,225.75
13 66.83 20.4768697 46.3531303 2,179.39
14 66.83 20.0504209 46.7795791 2,132.61
15 66.83 19.62004877 47.20995123 2,085.40
16 66.83 19.18571722 47.64428278 2,037.76
17 66.83 18.74738982 48.08261018 1,989.68
18 66.83 18.30502981 48.52497019 1,941.15
19 66.83 17.85860008 48.97139992 1,892.18
20 66.83 17.4080632 49.4219368 1,842.76
21 66.83 16.95338138 49.87661862 1,792.88
22 66.83 16.49451649 50.33548351 1,742.55
23 66.83 16.03143004 50.79856996 1,691.75
24 66.83 15.5640832 51.2659168 1,640.48
25 66.83 15.09243677 51.73756323 1,588.74
26 66.83 14.61645118 52.21354882 1,536.53
27 66.83 14.13608654 52.69391346 1,483.84
 28 66.83 13.65130253 53.17869747 1,430.66
29 66.83 13.16205852 53.66794148 1,376.99
30 66.83 12.66831345 54.16168655 1,322.83
31 66.83 12.17002594 54.65997406 1,268.17
32 66.83 11.66715418 55.16284582 1,213.01
33 66.83 11.15965599 55.67034401 1,157.34
34 66.83 10.64748883 56.18251117 1,101.15
35 66.83 10.13060973 56.69939027 1,044.45
36 66.83 9.608975336 57.22102466 987.23
37 66.83 9.082541909 57.74745809 929.49
38 66.83 8.551265295 58.27873471 871.21
39 66.83 8.015100935 58.81489906 812.39
40 66.83 7.474003864 59.35599614 753.04
41 66.83 6.9279287 59.9020713 693.13
42 66.83 6.376829644 60.45317036 632.68
43 66.83 5.820660476 61.00933952 571.67
44 66.83 5.259374553 61.57062545 510.10
45 66.83 4.692924799 62.1370752 447.96
46 66.83 4.121263707 62.70873629 385.25
47 66.83 3.544343333 63.28565667 321.97
48 66.83 2.962115291 63.86788471 258.10
49 66.83 2.374530752 64.45546925 193.65
50 66.83 1.781540435 65.04845956 128.60
51 66.83 1.183094607 65.64690539 62.95
52 66.83 0.579143077 66.25085692 -3.30
-0.030364806 0.030364806

9. Una familia desea empezar ahorrar para realizar un viaje a Hawái dentro de 2 años. Con este fin, se
depositan $4 000 al final de cada quincena en una cuenta que genera intereses a una tasa del 1.31%
mensual capitalizable cada quincena. Obtenga el monto y el interés ganado.
1.00655)48
DATOS: 𝑀 = 4000 [ 0.00655
] = 224,753.706

N= 2 años

R= 4000

I= 1.31%/2=0.00655

pago renta interes amortizacion fondo de ahorro

0 0 0 0 0
1 4,000 0 4,000 4,000
2 4,000 26.2 4,026 8,026
3 4,000 52.57161 4,053 12,079
4 4,000 79.11595405 4,079 16,158
5 4,000 105.8341635 4,106 20,264
6 4,000 132.7273773 4,133 24,396
7 4,000 159.7967416 4,160 28,556
8 4,000 187.0434103 4,187 32,743
9 4,000 214.4685446 4,214 36,958
10 4,000 242.0733136 4,242 41,200
11 4,000 269.8588938 4,270 45,470
12 4,000 297.8264696 4,298 49,768
13 4,000 325.9772329 4,326 54,093
14 4,000 354.3123838 4,354 58,448
15 4,000 382.8331299 4,383 62,831
16 4,000 411.5406869 4,412 67,242
17 4,000 440.4362784 4,440 71,683
18 4,000 469.521136 4,470 76,152
19 4,000 498.7964995 4,499 80,651
20 4,000 528.2636166 4,528 85,179
21 4,000 557.9237432 4,558 89,737
22 4,000 587.7781438 4,588 94,325
23 4,000 617.8280906 4,618 98,943
24 4,000 648.0748646 4,648 103,591
25 4,000 678.519755 4,679 108,269
26 4,000 709.1640594 4,709 112,978
27 4,000 740.0090839 4,740 117,718
28 4,000 771.0561434 4,771 122,490
29 4,000 802.3065612 4,802 127,292
30 4,000 833.7616692 4,834 132,126
31 4,000 865.4228081 4,865 136,991
32 4,000 897.2913275 4,897 141,888
33 4,000 929.3685857 4,929 146,818
34 4,000 961.6559499 4,962 151,779
35 4,000 994.1547964 4,994 156,774
36 4,000 1026.86651 5,027 161,800
37 4,000 1059.792486 5,060 166,860
38 4,000 1092.934127 5,093 171,953
39 4,000 1126.292845 5,126 177,079
40 4,000 1159.870063 5,160 182,239
41 4,000 1193.667212 5,194 187,433
42 4,000 1227.685733 5,228 192,661
43 4,000 1261.927074 5,262 197,923
44 4,000 1296.392696 5,296 203,219
45 4,000 1331.084069 5,331 208,550
46 4,000 1366.002669 5,366 213,916
47 4,000 1401.149987 5,401 219,317
48 4,000 1436.527519 5,437 224,754
0
10.El señor Jiménez desea vender su casa ubicada en la ciudad de Seattle, Washington, y recibe las
siguientes ofertas de tres personas distintas  Oferta 1: 350 000 dólares de contado  Oferta 2: $100 000
dólares de contado y $10 200 dólares al mes durante 30 meses  Oferta 3: sin pago inicial y $11 000 dólares
al mes durante 3 años Tomando como base una tasa de interés del 0.6% mensual convertible cada mes,
¿Cuál de estas ofertas es la más ventajosa para el señor Jiménez?

𝒑𝒓𝒊𝒎𝒆𝒓𝒂 𝒐𝒇𝒆𝒓𝒕𝒂, 𝒑𝒓𝒆𝒄𝒊𝒐 𝒅𝒆 𝒄𝒐𝒏𝒕𝒂𝒅𝒐 = 𝟑𝟓𝟎, 𝟎𝟎𝟎

𝟏 − (𝟏 + 𝟎. 𝟎𝟎𝟔)−𝟑𝟎
𝒔𝒆𝒈𝒖𝒏𝒅𝒂 𝒐𝒇𝒆𝒓𝒕𝒂, 𝒑𝒓𝒆𝒄𝒊𝒐 𝒅𝒆 𝒄𝒐𝒏𝒕𝒂𝒅𝒐 𝑪 = 𝟏𝟎𝟎, 𝟎𝟎𝟎 + 𝟏𝟎, 𝟐𝟎𝟎 [ ] = 𝟐𝟕𝟗, 𝟐𝟕𝟔. 𝟕𝟏
𝟎. 𝟎𝟎𝟔

𝟏 − (𝟏 + 𝟎, 𝟎𝟎𝟔)−𝟑𝟔
𝒕𝒆𝒓𝒄𝒆𝒓𝒂 𝒐𝒇𝒆𝒓𝒕𝒂 𝑪 = 𝟏𝟏. 𝟎𝟎𝟎 [ ] = 𝟑𝟓𝟓, 𝟏𝟗𝟖. 𝟐𝟒
𝟎. 𝟎𝟎𝟔

pago renta interes amortizacion saldo absoluto b)

0 100,000 0 0 279,276.71
1 10,200 1675.66026 8,524 270,752.37
2 10,200 1624.514222 8,575 262,176.88
3 10,200 1573.061307 8,627 253,549.95
4 10,200 1521.299675 8,679 244,871.25
5 10,200 1469.227473 8,731 236,140.47
6 10,200 1416.842838 8,783 227,357.32
7 10,200 1364.143895 8,836 218,521.46
8 10,200 1311.128758 8,889 209,632.59
9 10,200 1257.795531 8,942 200,690.38
10 10,200 1204.142304 8,996 191,694.53
11 10,200 1150.167158 9,050 182,644.69
12 10,200 1095.868161 9,104 173,540.56
13 10,200 1041.243369 9,159 164,381.80
14 10,200 986.2908297 9,214 155,168.10
15 10,200 931.0085747 9,269 145,899.10
16 10,200 875.3946261 9,325 136,574.50
17 10,200 819.4469939 9,381 127,193.95
18 10,200 763.1636758 9,437 117,757.11
19 10,200 706.5426579 9,493 108,263.65
20 10,200 649.5819138 9,550 98,713.23
21 10,200 592.2794053 9,608 89,105.51
22 10,200 534.6330818 9,665 79,440.15
23 10,200 476.6408802 9,723 69,716.79
24 10,200 418.3007255 9,782 59,935.09
25 10,200 359.6105299 9,840 50,094.70
26 10,200 300.5681931 9,899 40,195.27
27 10,200 241.1716022 9,959 30,236.44
28 10,200 181.4186318 10,019 20,217.86
29 10,200 121.3071436 10,079 10,139.16
30 10,200 60.83498648 10,139 0.00
pago renta interes amortizacion saldo c)
absoluto
0 0 0 0 355,198.24
1 11,000 2131.189423 8,869 346,329.43
2 11,000 2077.97656 8,922 337,407.40
3 11,000 2024.444419 8,976 328,431.85
4 11,000 1970.591086 9,029 319,402.44
5 11,000 1916.414632 9,084 310,318.85
6 11,000 1861.91312 9,138 301,180.77
7 11,000 1807.084599 9,193 291,987.85
8 11,000 1751.927106 9,248 282,739.78
9 11,000 1696.438669 9,304 273,436.22
10 11,000 1640.617301 9,359 264,076.83
11 11,000 1584.461005 9,416 254,661.30
12 11,000 1527.967771 9,472 245,189.26
13 11,000 1471.135577 9,529 235,660.40
14 11,000 1413.962391 9,586 226,074.36
15 11,000 1356.446165 9,644 216,430.81
16 11,000 1298.584842 9,701 206,729.39
17 11,000 1240.376351 9,760 196,969.77
18 11,000 1181.818609 9,818 187,151.59
19 11,000 1122.909521 9,877 177,274.50
20 11,000 1063.646978 9,936 167,338.14
21 11,000 1004.02886 9,996 157,342.17
22 11,000 944.0530331 10,056 147,286.23
23 11,000 883.7173513 10,116 137,169.94
24 11,000 823.0196554 10,177 126,992.96
25 11,000 761.9577733 10,238 116,754.92
26 11,000 700.52952 10,299 106,455.45
27 11,000 638.7326971 10,361 96,094.18
28 11,000 576.5650933 10,423 85,670.75
29 11,000 514.0244838 10,486 75,184.77
30 11,000 451.1086308 10,549 64,635.88
31 11,000 387.8152825 10,612 54,023.70
32 11,000 324.1421742 10,676 43,347.84
33 11,000 260.0870273 10,740 32,607.92
34 11,000 195.6475494 10,804 21,803.57
35 11,000 130.8214347 10,869 10,934.39
36 11,000 65.60636335 10,934 0.00