MATEMATICAS FINANCIERA

ANUALAIDADES

PRESENTADO POR:
DIANA ALEJANDRA GUTIERREZ RUBIANO
ID: 516006

CORPORACIÓN UNIVERSITARÍA MINUTO DE DIOS - UNIMINUTO

ADMINISTRACIÓN FINANCIERA
VI SEMESTRE
NEIVA - HUILA
2018
 TALLER DE ANUALIDADES O SER UNIFORMES

se consigno un credito bancario por $10.000.000 de pesos al 2% mensuaal para cancelarlo con 24 cuotas mensuales
despues de cancelada la cuota 14 se abonan $800.000 y el plazo sigue siendo igual, se solicita que la cuota cambie c
abono ¿ en cuanto queda la cuota mensual, despues de realizado el abono?

VA $ 10,000,000
I 2% EM
N 24
PERIODO SALDO INICIAL INTERES CAPITAL CUOTA
0 $ 10,000,000
1 $ 10,000,000 $ 200,000 $ 328,711 $ 528,710.97
2 $ 9,671,289 $ 193,426 $ 335,285 $ 528,710.97
3 $ 9,336,004 $ 186,720 $ 341,991 $ 528,710.97
4 $ 8,994,013 $ 179,880 $ 348,831 $ 528,710.97
5 $ 8,645,182 $ 172,904 $ 355,807 $ 528,710.97
6 $ 8,289,375 $ 165,787 $ 362,923 $ 528,710.97
7 $ 7,926,451 $ 158,529 $ 370,182 $ 528,710.97
8 $ 7,556,269 $ 151,125 $ 377,586 $ 528,710.97
9 $ 7,178,684 $ 143,574 $ 385,137 $ 528,710.97
10 $ 6,793,547 $ 135,871 $ 392,840 $ 528,710.97
11 $ 6,400,707 $ 128,014 $ 400,697 $ 528,710.97
12 $ 6,000,010 $ 120,000 $ 408,711 $ 528,710.97
13 $ 5,591,299 $ 111,826 $ 416,885 $ 528,710.97
14 $ 5,174,414 $ 103,488 $ 425,223 $ 528,710.97
15 $ 3,949,191 $ 78,984 $ 360,666 $ 439,649.75
16 $ 3,588,525 $ 71,771 $ 367,879 $ 439,649.75
17 $ 3,220,646 $ 64,413 $ 375,237 $ 439,649.75
18 $ 2,845,409 $ 56,908 $ 382,742 $ 439,649.75
19 $ 2,462,668 $ 49,253 $ 390,396 $ 439,649.75
20 $ 2,072,271 $ 41,445 $ 398,204 $ 439,649.75
21 $ 1,674,067 $ 33,481 $ 406,168 $ 439,649.75
22 $ 1,267,899 $ 25,358 $ 414,292 $ 439,649.75
23 $ 853,607 $ 17,072 $ 422,578 $ 439,649.75
24 $ 431,029 $ 8,621 $ 431,029 $ 439,649.75

RESPUESTAS $528,710.97 $439,649.75

Un behiculo tiene un valor de contado de $30.000.000, se va a financiar por medio de 24 cuotas mensuales con una
interes del 2%mensual: Calcular

VA $ 30,000,000
I 2%
a. valor de las cuotas mensuales
b. valor futuro equivalente
 PERIODO SALDO INICIAL INTERES CAPITAL CUOTA
0 $ -
1 $ - $ - $ 1,586,133 $ 1,586,132.92
2 -$ 1,586,133 -$ 31,723 $ 1,617,856 $ 1,586,132.92
3 -$ 3,203,988 -$ 64,080 $ 1,650,213 $ 1,586,132.92
4 -$ 4,854,201 -$ 97,084 $ 1,683,217 $ 1,586,132.92
5 -$ 6,537,418 -$ 130,748 $ 1,716,881 $ 1,586,132.92
6 -$ 8,254,299 -$ 165,086 $ 1,751,219 $ 1,586,132.92
7 -$ 10,005,518 -$ 200,110 $ 1,786,243 $ 1,586,132.92
8 -$ 11,791,762 -$ 235,835 $ 1,821,968 $ 1,586,132.92
9 -$ 13,613,730 -$ 272,275 $ 1,858,408 $ 1,586,132.92
10 -$ 15,472,137 -$ 309,443 $ 1,895,576 $ 1,586,132.92
11 -$ 17,367,713 -$ 347,354 $ 1,933,487 $ 1,586,132.92
12 -$ 19,301,200 -$ 386,024 $ 1,972,157 $ 1,586,132.92
13 -$ 21,273,357 -$ 425,467 $ 2,011,600 $ 1,586,132.92
14 -$ 23,284,957 -$ 465,699 $ 2,051,832 $ 1,586,132.92
15 -$ 25,336,789 -$ 506,736 $ 2,092,869 $ 1,586,132.92
16 -$ 27,429,658 -$ 548,593 $ 2,134,726 $ 1,586,132.92
17 -$ 29,564,384 -$ 591,288 $ 2,177,421 $ 1,586,132.92
18 -$ 31,741,804 -$ 634,836 $ 2,220,969 $ 1,586,132.92
19 -$ 33,962,774 -$ 679,255 $ 2,265,388 $ 1,586,132.92
20 -$ 36,228,162 -$ 724,563 $ 2,310,696 $ 1,586,132.92
21 -$ 38,538,858 -$ 770,777 $ 2,356,910 $ 1,586,132.92
22 -$ 40,895,768 -$ 817,915 $ 2,404,048 $ 1,586,132.92
23 -$ 43,299,816 -$ 865,996 $ 2,452,129 $ 1,586,132.92
24 -$ 45,751,946 -$ 915,039 $ 2,501,172 $ 1,586,132.92

Se tiene una obligación que en un momento se había pactado cancelar con 18 cuotas iguales de %15.000 cada una p
anticipado. Se decide, a ultima hora, cancelarla de contado. Si la tasa de interes acordada es del 3% mensual, hallar

CTA $ 15,000
I 3%
N 18
212491.777 RTA
PERIODO CUOTA INTERES CAPITAL SALDO FINAL
0 $ 15,000.00 $ 197,491.78
1 $ 15,000.00 $ 5,924.753 $ 9,075.247 $ 188,416.530
2 $ 15,000.00 $ 5,652.496 $ 9,347.504 $ 179,069.026
3 $ 15,000.00 $ 5,372.071 $ 9,627.929 $ 169,441.097
4 $ 15,000.00 $ 5,083.233 $ 9,916.767 $ 159,524.330
5 $ 15,000.00 $ 4,785.730 $ 10,214.270 $ 149,310.060
6 $ 15,000.00 $ 4,479.302 $ 10,520.698 $ 138,789.362
7 $ 15,000.00 $ 4,163.681 $ 10,836.319 $ 127,953.043
8 $ 15,000.00 $ 3,838.591 $ 11,161.409 $ 116,791.634
9 $ 15,000.00 $ 3,503.749 $ 11,496.251 $ 105,295.383
10 $ 15,000.00 $ 3,158.861 $ 11,841.139 $ 93,454.244
11 $ 15,000.00 $ 2,803.627 $ 12,196.373 $ 81,257.872
 12 $ 15,000.00 $ 2,437.736 $ 12,562.264 $ 68,695.608
13 $ 15,000.00 $ 2,060.868 $ 12,939.132 $ 55,756.476
14 $ 15,000.00 $ 1,672.694 $ 13,327.306 $ 42,429.170
15 $ 15,000.00 $ 1,272.875 $ 13,727.125 $ 28,702.045
16 $ 15,000.00 $ 861.061 $ 14,138.939 $ 14,563.107
17 $ 15,000.00 $ 436.893 $ 14,563.107 $ -

El señor pedro le financian un vehiculo con las siguientes condiciones; una cuota inicial de $5.000.000, 18 cuotas me
iguales de $500.000 pagadera en forma anticipaa y dos cuotas extraordinarias de $1.000.000 cada una, en los mese
si la tasa de financiación que le cargan es del 4% mensual, se pide calcular el valor de contado del vehiculo.

C.I $ 5,500,000
I 4%
RTA $ 12,997,746

PERIODO CUOTA INTERES CAPITAL SALDO FINAL

0 $ 5,500,000.00 $ 7,497,746.00
1 $ 500,000.00 $ 299,909.84 $ 200,090.16 $ 7,297,655.84
2 $ 500,000.00 $ 291,906.23 $ 208,093.77 $ 7,089,562.08
3 $ 500,000.00 $ 283,582.48 $ 216,417.52 $ 6,873,144.56
4 $ 500,000.00 $ 274,925.78 $ 225,074.22 $ 6,648,070.34
5 $ 500,000.00 $ 265,922.81 $ 234,077.19 $ 6,413,993.15
6 $ 1,500,000.00 $ 256,559.73 $ 1,243,440.27 $ 5,170,552.88
7 $ 500,000.00 $ 206,822.12 $ 293,177.88 $ 4,877,375.00
8 $ 500,000.00 $ 195,095.00 $ 304,905.00 $ 4,572,470.00
9 $ 500,000.00 $ 182,898.80 $ 317,101.20 $ 4,255,368.80
10 $ 500,000.00 $ 170,214.75 $ 329,785.25 $ 3,925,583.55
11 $ 500,000.00 $ 157,023.34 $ 342,976.66 $ 3,582,606.89
12 $ 1,500,000.00 $ 143,304.28 $ 1,356,695.72 $ 2,225,911.17
13 $ 500,000.00 $ 89,036.45 $ 410,963.55 $ 1,814,947.61
14 $ 500,000.00 $ 72,597.90 $ 427,402.10 $ 1,387,545.52
15 $ 500,000.00 $ 55,501.82 $ 444,498.18 $ 943,047.34
16 $ 500,000.00 $ 37,721.89 $ 462,278.11 $ 480,769.23
17 $ 500,000.00 $ 19,230.77 $ 480,769.23 $ 0.00

se recibe un prestamo de $10.000.000 para pagarlo en 12 cuotas iguales, pagadera en forma anticipadas. Si le cobr
de interes,calcular el valor de las cuotas.

VA $ 10,000,000
I 4%
N 12
PERIODO CUOTA INTERES CAPITAL SALDO FINAL
0 $ 1,024,540.12 $ 8,975,459.88
1 $ 1,024,540.12 $ 359,018.40 $ 665,521.73 $ 8,309,938.15
2 $ 1,024,540.12 $ 332,397.53 $ 692,142.60 $ 7,617,795.56
3 $ 1,024,540.12 $ 304,711.82 $ 719,828.30 $ 6,897,967.26
4 $ 1,024,540.12 $ 275,918.69 $ 748,621.43 $ 6,149,345.82
5 $ 1,024,540.12 $ 245,973.83 $ 778,566.29 $ 5,370,779.53
 6 $ 1,024,540.12 $ 214,831.18 $ 809,708.94 $ 4,561,070.59
7 $ 1,024,540.12 $ 182,442.82 $ 842,097.30 $ 3,718,973.30
8 $ 1,024,540.12 $ 148,758.93 $ 875,781.19 $ 2,843,192.11
9 $ 1,024,540.12 $ 113,727.68 $ 910,812.44 $ 1,932,379.67
10 $ 1,024,540.12 $ 77,295.19 $ 947,244.94 $ 985,134.73
11 $ 1,024,540.12 $ 39,405.39 $ 985,134.73 $ -

Al comprar una vivienda se quedan debiendo $50.000 para pagarlos en 4 años, con cuotas mensuales anticipadas y
unica al final del plazo de $10.000.000, si las tasas de financiación es del 3% mensual, calcular el valor de cada una d
cuotas.

SALDO $ 50,000,000
I 3%
N 48
PERIODO SALDO INICIAL INTERES CAPITAL CUOTA
0 $ 50,000,000.00
1 $ 48,171,736.94 $ 1,445,152.11 $ 383,110.95 $ 1,828,263.06
2 $ 47,788,625.99 $ 1,433,658.78 $ 394,604.28 $ 1,828,263.06
3 $ 47,394,021.71 $ 1,421,820.65 $ 406,442.41 $ 1,828,263.06
4 $ 46,987,579.30 $ 1,409,627.38 $ 418,635.68 $ 1,828,263.06
5 $ 46,568,943.62 $ 1,397,068.31 $ 431,194.75 $ 1,828,263.06
6 $ 46,137,748.86 $ 1,384,132.47 $ 444,130.59 $ 1,828,263.06
7 $ 45,693,618.27 $ 1,370,808.55 $ 457,454.51 $ 1,828,263.06
8 $ 45,236,163.76 $ 1,357,084.91 $ 471,178.15 $ 1,828,263.06
9 $ 44,764,985.61 $ 1,342,949.57 $ 485,313.49 $ 1,828,263.06
10 $ 44,279,672.12 $ 1,328,390.16 $ 499,872.90 $ 1,828,263.06
11 $ 43,779,799.22 $ 1,313,393.98 $ 514,869.08 $ 1,828,263.06
12 $ 43,264,930.14 $ 1,297,947.90 $ 530,315.16 $ 1,828,263.06
13 $ 42,734,614.98 $ 1,282,038.45 $ 546,224.61 $ 1,828,263.06
14 $ 42,188,390.37 $ 1,265,651.71 $ 562,611.35 $ 1,828,263.06
15 $ 41,625,779.02 $ 1,248,773.37 $ 579,489.69 $ 1,828,263.06
16 $ 41,046,289.33 $ 1,231,388.68 $ 596,874.38 $ 1,828,263.06
17 $ 40,449,414.95 $ 1,213,482.45 $ 614,780.61 $ 1,828,263.06
18 $ 39,834,634.34 $ 1,195,039.03 $ 633,224.03 $ 1,828,263.06
19 $ 39,201,410.31 $ 1,176,042.31 $ 652,220.75 $ 1,828,263.06
20 $ 38,549,189.56 $ 1,156,475.69 $ 671,787.37 $ 1,828,263.06
21 $ 37,877,402.18 $ 1,136,322.07 $ 691,940.99 $ 1,828,263.06
22 $ 37,185,461.19 $ 1,115,563.84 $ 712,699.22 $ 1,828,263.06
23 $ 36,472,761.96 $ 1,094,182.86 $ 734,080.20 $ 1,828,263.06
24 $ 35,738,681.76 $ 1,072,160.45 $ 756,102.61 $ 1,828,263.06
25 $ 34,982,579.15 $ 1,049,477.37 $ 778,785.69 $ 1,828,263.06
26 $ 34,203,793.47 $ 1,026,113.80 $ 802,149.26 $ 1,828,263.06
27 $ 33,401,644.21 $ 1,002,049.33 $ 826,213.73 $ 1,828,263.06
28 $ 32,575,430.48 $ 977,262.91 $ 851,000.15 $ 1,828,263.06
29 $ 31,724,430.33 $ 951,732.91 $ 876,530.15 $ 1,828,263.06
30 $ 30,847,900.18 $ 925,437.01 $ 902,826.05 $ 1,828,263.06
31 $ 29,945,074.13 $ 898,352.22 $ 929,910.84 $ 1,828,263.06
32 $ 29,015,163.29 $ 870,454.90 $ 957,808.16 $ 1,828,263.06
 33 $ 28,057,355.13 $ 841,720.65 $ 986,542.41 $ 1,828,263.06
34 $ 27,070,812.72 $ 812,124.38 $ 1,016,138.68 $ 1,828,263.06
35 $ 26,054,674.04 $ 781,640.22 $ 1,046,622.84 $ 1,828,263.06
36 $ 25,008,051.20 $ 750,241.54 $ 1,078,021.52 $ 1,828,263.06
37 $ 23,930,029.68 $ 717,900.89 $ 1,110,362.17 $ 1,828,263.06
38 $ 22,819,667.51 $ 684,590.03 $ 1,143,673.04 $ 1,828,263.06
39 $ 21,675,994.48 $ 650,279.83 $ 1,177,983.23 $ 1,828,263.06
40 $ 20,498,011.25 $ 614,940.34 $ 1,213,322.72 $ 1,828,263.06
41 $ 19,284,688.53 $ 578,540.66 $ 1,249,722.40 $ 1,828,263.06
42 $ 18,034,966.12 $ 541,048.98 $ 1,287,214.08 $ 1,828,263.06
43 $ 16,747,752.04 $ 502,432.56 $ 1,325,830.50 $ 1,828,263.06
44 $ 15,421,921.55 $ 462,657.65 $ 1,365,605.41 $ 1,828,263.06
45 $ 14,056,316.13 $ 421,689.48 $ 1,406,573.58 $ 1,828,263.06
46 $ 12,649,742.56 $ 379,492.28 $ 1,448,770.78 $ 1,828,263.06
47 $ 11,200,971.77 $ 336,029.15 $ 1,492,233.91 $ 1,828,263.06
48 $ 9,708,737.86 $ 291,262.14 $ 9,708,737.86 $ 10,000,000.00

Katya recibe al principio de cada mes la suma de $100.000 por concepto de arriendo de una bodega de su propiedad
mismo mmomento en que recibe el pago del arriendo deposita la mitad en una cuenta de ahorros que le reconoce u
interes del 3.0% mensual.Ella desea saber cuanto tendra disponible en la cuenta al final del año.

CI $ 100,000
A $ 50,000.00
I 3%
N 12
PERIODO DEPOSITO INTERES DEPOSITO + INTERES SALDO FINAL
0 $ 50,000.00 $ 50,000.00
1 $ 50,000.00 $ 1,500.00 $ 51,500.00 $ 101,500.00
2 $ 50,000.00 $ 3,045.00 $ 53,045.00 $ 154,545.00
3 $ 50,000.00 $ 4,636.35 $ 54,636.35 $ 209,181.35
4 $ 50,000.00 $ 6,275.44 $ 56,275.44 $ 265,456.79
5 $ 50,000.00 $ 7,963.70 $ 57,963.70 $ 323,420.49
6 $ 50,000.00 $ 9,702.61 $ 59,702.61 $ 383,123.11
7 $ 50,000.00 $ 11,493.69 $ 61,493.69 $ 444,616.80
8 $ 50,000.00 $ 13,338.50 $ 63,338.50 $ 507,955.31
9 $ 50,000.00 $ 15,238.66 $ 65,238.66 $ 573,193.97
10 $ 50,000.00 $ 17,195.82 $ 67,195.82 $ 640,389.78
11 $ 50,000.00 $ 19,211.69 $ 69,211.69 $ 709,601.48
12 $ 21,288.04 $ 21,288.04 $ 730,889.52

se adquiere hoy un electrodomestico financiado con 18 cuotas mensuales iguales de $150.000 pesos cada una, canc
primera cuota dentro de 5 meses. Si la opción financiera se realiza al 3% mensual.Calcular el valor del electrodomes

VA $ 1,832,972.74
I 3%
A $ 150,000
N 18

PERIODO SALDO INICIAL INTERES CAPITAL CUOTA

0 1832972.73516552
1 $ 1,832,972.74 $ 54,989.18 -$ 54,989.18
2 $ 1,887,961.92 $ 56,638.86 -$ 56,638.86
3 $ 1,944,600.77 $ 58,338.02 -$ 58,338.02
4 $ 2,002,938.80 $ 60,088.16 -$ 60,088.16
5 $ 2,063,026.96 $ 61,890.81 $ 88,109.19 $ 150,000.00
6 $ 1,974,917.77 $ 59,247.53 $ 90,752.47 $ 150,000.00
7 $ 1,884,165.30 $ 56,524.96 $ 93,475.04 $ 150,000.00
8 $ 1,790,690.26 $ 53,720.71 $ 96,279.29 $ 150,000.00
9 $ 1,694,410.97 $ 50,832.33 $ 99,167.67 $ 150,000.00
10 $ 1,595,243.30 $ 47,857.30 $ 102,142.70 $ 150,000.00
11 $ 1,493,100.60 $ 44,793.02 $ 105,206.98 $ 150,000.00
12 $ 1,387,893.62 $ 41,636.81 $ 108,363.19 $ 150,000.00
13 $ 1,279,530.43 $ 38,385.91 $ 111,614.09 $ 150,000.00
14 $ 1,167,916.34 $ 35,037.49 $ 114,962.51 $ 150,000.00
15 $ 1,052,953.83 $ 31,588.61 $ 118,411.39 $ 150,000.00
16 $ 934,542.44 $ 28,036.27 $ 121,963.73 $ 150,000.00
17 $ 812,578.72 $ 24,377.36 $ 125,622.64 $ 150,000.00
18 $ 686,956.08 $ 20,608.68 $ 129,391.32 $ 150,000.00
19 $ 557,564.76 $ 16,726.94 $ 133,273.06 $ 150,000.00
20 $ 424,291.70 $ 12,728.75 $ 137,271.25 $ 150,000.00
21 $ 287,020.45 $ 8,610.61 $ 141,389.39 $ 150,000.00
22 $ 145,631.07 $ 4,368.93 $ 145,631.07 $ 150,000.00
RMES

o con 24 cuotas mensuales. Si

licita que la cuota cambie con el

SALDO FINAL
$ 10,000,000.00
$ 9,671,289.03
$ 9,336,003.84
$ 8,994,012.94
$ 8,645,182.23
$ 8,289,374.90
$ 7,926,451.42
$ 7,556,269.48
$ 7,178,683.90
$ 6,793,546.60
$ 6,400,706.56
$ 6,000,009.72
$ 5,591,298.94
$ 5,174,413.95
$ 3,949,191.25
$ 3,588,525.33
$ 3,220,646.09
$ 2,845,409.26
$ 2,462,667.69
$ 2,072,271.30
$ 1,674,066.97
$ 1,267,898.56
$ 853,606.78
$ 431,029.17
$ -

cuotas mensuales con una tasa de

 SALDO FINAL
$ -
-$ 1,586,132.92
-$ 3,203,988.49
-$ 4,854,201.18
-$ 6,537,418.12
-$ 8,254,299.40
-$ 10,005,518.31
-$ 11,791,761.59
-$ 13,613,729.74
-$ 15,472,137.25
-$ 17,367,712.92
-$ 19,301,200.09
-$ 21,273,357.01
-$ 23,284,957.07
-$ 25,336,789.13
-$ 27,429,657.83
-$ 29,564,383.90
-$ 31,741,804.50
-$ 33,962,773.51
-$ 36,228,161.89
-$ 38,538,858.05
-$ 40,895,768.13
-$ 43,299,816.41
-$ 45,751,945.65
-$ 48,253,117.48

ales de %15.000 cada una por mes

a es del 3% mensual, hallar este valor.
e $5.000.000, 18 cuotas mensuales
0.000 cada una, en los meses 6 y 12.
ntado del vehiculo.

orma anticipadas. Si le cobran el 4%

as mensuales anticipadas y una cuota
cular el valor de cada una de las

SALDO FINAL
$ 48,171,736.94
$ 47,788,625.99
$ 47,394,021.71
$ 46,987,579.30
$ 46,568,943.62
$ 46,137,748.86
$ 45,693,618.27
$ 45,236,163.76
$ 44,764,985.61
$ 44,279,672.12
$ 43,779,799.22
$ 43,264,930.14
$ 42,734,614.98
$ 42,188,390.37
$ 41,625,779.02
$ 41,046,289.33
$ 40,449,414.95
$ 39,834,634.34
$ 39,201,410.31
$ 38,549,189.56
$ 37,877,402.18
$ 37,185,461.19
$ 36,472,761.96
$ 35,738,681.76
$ 34,982,579.15
$ 34,203,793.47
$ 33,401,644.21
$ 32,575,430.48
$ 31,724,430.33
$ 30,847,900.18
$ 29,945,074.13
$ 29,015,163.29
$ 28,057,355.13
 $ 27,070,812.72
$ 26,054,674.04
$ 25,008,051.20
$ 23,930,029.68
$ 22,819,667.51
$ 21,675,994.48
$ 20,498,011.25
$ 19,284,688.53
$ 18,034,966.12
$ 16,747,752.04
$ 15,421,921.55
$ 14,056,316.13
$ 12,649,742.56
$ 11,200,971.77
$ 9,708,737.86
$ 0.00

na bodega de su propiedad. En el
e ahorros que le reconoce una tasa de
del año.

0.000 pesos cada una, cancelar la

r el valor del electrodomestico.
 SALDO FINAL
$ 1,832,972.74
$ 1,887,961.92
$ 1,944,600.77
$ 2,002,938.80
$ 2,063,026.96
$ 1,974,917.77
$ 1,884,165.30
$ 1,790,690.26
$ 1,694,410.97
$ 1,595,243.30
$ 1,493,100.60
$ 1,387,893.62
$ 1,279,530.43
$ 1,167,916.34
$ 1,052,953.83
$ 934,542.44
$ 812,578.72
$ 686,956.08
$ 557,564.76
$ 424,291.70
$ 287,020.45
$ 145,631.07
-$ 0.00
una deuda de $50.000 se debe cancelar con pagos desde el mes 6 al mes 12 de $750.000 y un pago adicional
cobra una tasa de interés del 3% mensual,¿ Cuál es el valor del pago adicional?

VA $ 50,000,000
I 3%
A $ 750,000
N 18
PERIODO SALDO INICIAL INTERES CAPITAL
0 $ 50,000,000
1 $ 50,000,000 $ 1,500,000 -$ 1,500,000
2 $ 51,500,000 $ 1,545,000 -$ 1,545,000
3 $ 53,045,000 $ 1,591,350 -$ 1,591,350
4 $ 54,636,350 $ 1,639,091 -$ 1,639,091
5 $ 56,275,441 $ 1,688,263 -$ 1,688,263
6 $ 57,963,704 $ 1,738,911 -$ 988,911
7 $ 58,952,615 $ 1,768,578 -$ 1,018,578
8 $ 59,971,193 $ 1,799,136 -$ 1,049,136
9 $ 61,020,329 $ 1,830,610 -$ 1,080,610
10 $ 62,100,939 $ 1,863,028 -$ 1,113,028
11 $ 63,213,967 $ 1,896,419 -$ 1,146,419
12 $ 64,360,386 $ 1,930,812 -$ 1,180,812
13 $ 65,541,198 $ 1,966,236 -$ 1,966,236
14 $ 67,507,434 $ 2,025,223 -$ 2,025,223
15 $ 69,532,657 $ 2,085,980 -$ 2,085,980
16 $ 71,618,636 $ 2,148,559 -$ 2,148,559
17 $ 73,767,195 $ 2,213,016 -$ 2,213,016
18 $ 75,980,211 $ 2,279,406 $ 75,980,211

Calcular el valor de contado de un activo financiado se puede adquirir de la siguiente forma: cuota inicial equi
valor de contado y 24 cuotas mensuales de $800.000. La tasa de interés de financiación es del 3% mensual.

I 3%
A $ 800,000
CUOTA
INICIAL DEL 20%
20%
VA 16,981,666.26
PERIODO SALDO INICIAL INTERES CAPITAL
0 3,396,333
1 13,585,333 101890.00 698110.00
2 12,887,223 407559.99 392440.01
3 12,494,783 386616.69 413383.31
4 12,081,400 374843.49 425156.51
5 11,656,243 362441.99 437558.01
6 11,218,685 349687.30 450312.70
 7 10,768,372 336560.55 463439.45
8 10,304,933 323051.17 476948.83
9 9,827,984 309147.99 490852.01
10 9,337,132 294839.53 505160.47
11 8,831,972 280113.97 519886.03
12 8,312,086 264959.15 535040.85
13 7,777,045 249362.57 550637.43
14 7,226,407 233311.34 566688.66
15 6,659,719 216792.22 583207.78
16 6,076,511 199791.56 600208.44
17 5,476,303 182295.33 617704.67
18 4,858,598 164289.08 635710.92
19 4,222,887 145757.94 654242.06
20 3,568,645 126686.61 673313.39
21 2,895,331 107059.35 692940.65
22 2,202,391 86859.94 713140.06
23 1,489,251 66071.72 733928.28
24 755,322 44677.52 755322.48

Un lote de terreno que cuesta $20.000.000 se propone comprar con una cuota inicial del 10
mensuales, con una tasa de interés del 2% mensual. Calcular el valor de las cuotas

VA 20,000,000 20,000,000
CUOTA INICIAL 10% $ 2,000,000
I 2%
N 12
A $1,702,072.74
PERIODO SALDO INICIAL INTERES CAPITAL
0 20,000,000 $ 2,000,000
1 $ 18,000,000 $ 360,000 $ 1,342,073
2 $ 16,657,927 $ 333,159 $ 1,368,914
3 $ 15,289,013 $ 305,780 $ 1,396,292
4 $ 13,892,721 $ 277,854 $ 1,424,218
5 $ 12,468,502 $ 249,370 $ 1,452,703
6 $ 11,015,800 $ 220,316 $ 1,481,757
7 $ 9,534,043 $ 190,681 $ 1,511,392
8 $ 8,022,651 $ 160,453 $ 1,541,620
9 $ 6,481,031 $ 129,621 $ 1,572,452
10 $ 4,908,579 $ 98,172 $ 1,603,901
11 $ 3,304,678 $ 66,094 $ 1,635,979
12 $ 1,668,699 $ 33,374 $ 1,668,699

Si juan deposita $12.000 cada fin de mes, durante un año, en banco que paga una tasa del
¿Cuánto dinero tendrá acumulado al final de este tiempo.

A $ 12,000
I 3%
N 12
PERIODO SALDO INTERES CAPITAL
0 $ 12,000.00
1 $ 12,000.00 $ 360.00 $ 12,360.00
2 $ 24,360.00 $ 730.80 $ 12,730.80
3 $ 37,090.80 $ 1,112.72 $ 13,112.72
4 $ 50,203.52 $ 1,506.11 $ 13,506.11
5 $ 63,709.63 $ 1,911.29 $ 13,911.29
6 $ 77,620.92 $ 2,328.63 $ 14,328.63
7 $ 91,949.55 $ 2,758.49 $ 14,758.49
8 $ 106,708.03 $ 3,201.24 $ 15,201.24
9 $ 121,909.27 $ 3,657.28 $ 15,657.28
10 $ 137,566.55 $ 4,127.00 $ 16,127.00
11 $ 153,693.55 $ 4,610.81 $ 16,610.81
12 $ 170,304.35 $ 5,109.13 $ 17,109.13
2 de $750.000 y un pago adicional en el ems 18. Si se
nal?

CUOTA SALDO FINAL

$ 50,000,000.00
$ 51,500,000.00
$ 53,045,000.00
$ 54,636,350.00
$ 56,275,440.50
$ 57,963,703.72
$ 750,000 $ 58,952,614.83
$ 750,000 $ 59,971,193.27
$ 750,000 $ 61,020,329.07
$ 750,000 $ 62,100,938.94
$ 750,000 $ 63,213,967.11
$ 750,000 $ 64,360,386.12
$ 750,000 $ 65,541,197.71
$ 67,507,433.64
$ 69,532,656.65
$ 71,618,636.35
$ 73,767,195.44
$ 75,980,211.30
$ 78,259,617.64 $ -

siguiente forma: cuota inicial equivalente al 20% del

financiación es del 3% mensual.

CUOTA SALDO FINAL

13,585,333.00
800,000 12,887,223.00
800,000 12,494,782.99
800,000 12,081,399.68
800,000 11,656,243.17
800,000 11,218,685.16
800,000 10,768,372.46
 800,000 10,304,933.01
800,000 9,827,984.19
800,000 9,337,132.18
800,000 8,831,971.70
800,000 8,312,085.67
800,000 7,777,044.82
800,000 7,226,407.39
800,000 6,659,718.73
800,000 6,076,510.95
800,000 5,476,302.52
800,000 4,858,597.85
800,000 4,222,886.92
800,000 3,568,644.86
800,000 2,895,331.46
800,000 2,202,390.81
800,000 1,489,250.75
800,000 755,322.48
800,000 0.00

r con una cuota inicial del 10% y 12 cuotas

el valor de las cuotas

CUOTA SALDO FINAL

$ 18,000,000
$ 1,702,072.74 $ 16,657,927
$ 1,702,072.74 $ 15,289,013
$ 1,702,072.74 $ 13,892,721
$ 1,702,072.74 $ 12,468,502
$ 1,702,072.74 $ 11,015,800
$ 1,702,072.74 $ 9,534,043
$ 1,702,072.74 $ 8,022,651
$ 1,702,072.74 $ 6,481,031
$ 1,702,072.74 $ 4,908,579
$ 1,702,072.74 $ 3,304,678
$ 1,702,072.74 $ 1,668,699
$ 1,702,072.74 $ -

banco que paga una tasa del 3% mensual.

 CUOTA SALDO FINAL
$ 12,000.00
$ 12,000.00 $ 24,360.00
$ 12,000.00 $ 37,090.80
$ 12,000.00 $ 50,203.52
$ 12,000.00 $ 63,709.63
$ 12,000.00 $ 77,620.92
$ 12,000.00 $ 91,949.55
$ 12,000.00 $ 106,708.03
$ 12,000.00 $ 121,909.27
$ 12,000.00 $ 137,566.55
$ 12,000.00 $ 153,693.55
$ 12,000.00 $ 170,304.35
$ 12,000.00 $ 187,413.49
VA 70,000,000 14%
I 1.098% EA 13.17%
N 60
VALOR MENSUAL 100
PERIODO SALDO INICIAL INTERES CAPITAL CUOTA SALDO FINAL
0 70,000,000.00 70,000,000.00
1 70,000,000.00 768,519.64 830,459.83 1,598,979.47 69,169,540.17
2 69,169,540.17 759,402.14 839,577.33 1,598,979.47 68,329,962.85
3 68,329,962.85 750,184.55 848,794.92 1,598,979.47 67,481,167.92
4 67,481,167.92 740,865.75 858,113.71 1,598,979.47 66,623,054.21
5 66,623,054.21 731,444.65 867,534.82 1,598,979.47 65,755,519.39
6 65,755,519.39 721,920.11 877,059.35 1,598,979.47 64,878,460.04
7 64,878,460.04 712,291.01 886,688.46 1,598,979.47 63,991,771.58
8 63,991,771.58 702,556.19 896,423.28 1,598,979.47 63,095,348.30
9 63,095,348.30 692,714.49 906,264.98 1,598,979.47 62,189,083.32
10 62,189,083.32 682,764.74 916,214.73 1,598,979.47 61,272,868.59
11 61,272,868.59 672,705.75 926,273.71 1,598,979.47 60,346,594.88
12 60,346,594.88 662,536.33 936,443.14 1,598,979.47 59,410,151.75
13 59,410,151.75 652,255.26 946,724.21 1,598,979.47 58,463,427.54
14 58,463,427.54 641,861.32 957,118.15 1,598,979.47 57,506,309.39
15 57,506,309.39 631,353.26 967,626.21 1,598,979.47 56,538,683.18
16 56,538,683.18 620,729.83 978,249.63 1,598,979.47 55,560,433.55
17 55,560,433.55 609,989.77 988,989.69 1,598,979.47 54,571,443.85
18 54,571,443.85 599,131.80 999,847.66 1,598,979.47 53,571,596.19
19 53,571,596.19 588,154.62 1,010,824.84 1,598,979.47 52,560,771.35
20 52,560,771.35 577,056.93 1,021,922.54 1,598,979.47 51,538,848.81
21 51,538,848.81 565,837.39 1,033,142.08 1,598,979.47 50,505,706.73
22 50,505,706.73 554,494.68 1,044,484.79 1,598,979.47 49,461,221.94
23 49,461,221.94 543,027.43 1,055,952.03 1,598,979.47 48,405,269.91
24 48,405,269.91 531,434.29 1,067,545.17 1,598,979.47 47,337,724.74
25 47,337,724.74 519,713.87 1,079,265.59 1,598,979.47 46,258,459.14
26 46,258,459.14 507,864.77 1,091,114.69 1,598,979.47 45,167,344.45
27 45,167,344.45 495,885.59 1,103,093.88 1,598,979.47 44,064,250.57
28 44,064,250.57 483,774.88 1,115,204.58 1,598,979.47 42,949,045.99
29 42,949,045.99 471,531.22 1,127,448.25 1,598,979.47 41,821,597.74
30 41,821,597.74 459,153.13 1,139,826.34 1,598,979.47 40,681,771.40
31 40,681,771.40 446,639.15 1,152,340.32 1,598,979.47 39,529,431.08
32 39,529,431.08 433,987.77 1,164,991.69 1,598,979.47 38,364,439.39
33 38,364,439.39 421,197.50 1,177,781.97 1,598,979.47 37,186,657.42
34 37,186,657.42 408,266.81 1,190,712.66 1,598,979.47 35,995,944.76
35 35,995,944.76 395,194.15 1,203,785.32 1,598,979.47 34,792,159.44
36 34,792,159.44 381,977.97 1,217,001.50 1,598,979.47 33,575,157.94
37 33,575,157.94 368,616.69 1,230,362.78 1,598,979.47 32,344,795.17
38 32,344,795.17 355,108.72 1,243,870.75 1,598,979.47 31,100,924.42
39 31,100,924.42 341,452.44 1,257,527.02 1,598,979.47 29,843,397.40
40 29,843,397.40 327,646.24 1,271,333.22 1,598,979.47 28,572,064.17
41 28,572,064.17 313,688.46 1,285,291.00 1,598,979.47 27,286,773.17
42 27,286,773.17 299,577.44 1,299,402.02 1,598,979.47 25,987,371.14
43 25,987,371.14 285,311.50 1,313,667.97 1,598,979.47 24,673,703.18
44 24,673,703.18 270,888.93 1,328,090.53 1,598,979.47 23,345,612.65
45 23,345,612.65 256,308.02 1,342,671.44 1,598,979.47 22,002,941.21
46 22,002,941.21 241,567.03 1,357,412.43 1,598,979.47 20,645,528.77
47 20,645,528.77 226,664.20 1,372,315.26 1,598,979.47 19,273,213.51
48 19,273,213.51 211,597.76 1,387,381.71 1,598,979.47 17,885,831.80
49 17,885,831.80 196,365.90 1,402,613.57 1,598,979.47 16,483,218.24
50 16,483,218.24 180,966.81 1,418,012.65 1,598,979.47 15,065,205.58
51 15,065,205.58 165,398.66 1,433,580.80 1,598,979.47 13,631,624.78
52 13,631,624.78 149,659.59 1,449,319.88 1,598,979.47 12,182,304.90
53 12,182,304.90 133,747.72 1,465,231.74 1,598,979.47 10,717,073.16
54 10,717,073.16 117,661.16 1,481,318.31 1,598,979.47 9,235,754.85
55 9,235,754.85 101,397.99 1,497,581.48 1,598,979.47 7,738,173.37
56 7,738,173.37 84,956.26 1,514,023.21 1,598,979.47 6,224,150.16
57 6,224,150.16 68,334.02 1,530,645.44 1,598,979.47 4,693,504.72
58 4,693,504.72 51,529.29 1,547,450.17 1,598,979.47 3,146,054.55
59 3,146,054.55 34,540.07 1,564,439.40 1,598,979.47 1,581,615.15
60 1,581,615.15 17,364.32 1,581,615.15 1,598,979.47 0.00
VALOR DE LA CUOTA MENSUAL ES DE 1.599,028,94