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Datos
P = 900.000 + 500.000 + 1.000.000 - 300.000 = 2.100.000 Bs
N = 15 años = 180 meses
I = 15 % anual = 15/12 = 1.25 % mensual
S=?
𝑆 = 𝑃(1 + 𝑖)𝑛
𝑆 = 2.100.000(1 + 0.0125)180
𝑆 = 2.100.000(1.0125)180
𝑆 = 2.100.000(9.35633)
𝑆 = 19.648.293
2) Cuánto dinero debe depositar hoy en una cuenta de ahorro que paga
una tasa de interés del “15”, % con capitalización trimestral. Si se
desean realizar retiros al final de cada trimestre de 150000 Bs durante 1
año y medio. Además de 200000 Bs dentro de 2 años y medio.
Datos:
I = 15 % anual = 15/4 = 3.75 % trimestral
S = 900.000 + 200.000 = 1.100.000 Bs
N = 2 años y medio = 10 trimestres
P=?
𝑆 = 𝑃(1 + 𝑖)𝑛
𝑆
𝑃=
(1 + 𝑖)𝑛
1.100.000
𝑃=
(1 + 0.0375)10
𝑃 = (1.100.000)𝑥(1.0375)−10
𝑃 = 761.223
Calculo de la cuota:
𝑖(1 + 𝑖)𝑛
𝐴 = 𝑃[ ]
(1 + 𝑖)𝑛 − 1
0.0125(1 + 0.0125)42
𝐴 = 45.000.000 [ ]
(1 + 0.0125)42 − 1
0.0125(1.0125)42
𝐴 = 45.000.000 [ ]
(1.0125)42 − 1
0.0125(1.68497)
𝐴 = 45.000.000 [ ]
1.68497 − 1
0.021062
𝐴 = 45.000.000 [ ]
0.68497
𝐴 = 45.000.000[0.030749]
𝐴 = 1.383.705
0.0125(1 + 0.0125)42
𝐴 = 45.000.000 [ ]
(1 + 0.0125)42
0.0125(1.0125)42
𝐴 = 45.000.000 [ ]
(1.0125)42
0.0125(1.68497)
𝐴 = 45.000.000 [ ]
1.68497
0.021062
𝐴 = 45.000.000 [ ]
1.68497
𝐴 = 45.000.000[0.0125]
𝐴 = 562.497
Tabla de Amortización
Numero de Saldo inicial Interés Capital Cuota Saldo final
periodos
0 45.000.000 ------------------ --------------- 1.383.705 ---------------
1 45.000.000 562.497 821.208 1.383.705 44.178.792
2 44.178.792 552.234.9 831.470,1 1.383.705 43.347.321,9
3 43.347.321,9 541.841,52375 841.863,47625 1.383.705 42.505.458,424
4 42.505.458,424 531.318,2303 852.386,7697 1.383.705 41.653.071,654
5 41.653.071,654 520.663,39568 863.041,60432 1.383.705 40.790.030,05
6 40.790.030,05 509.875,37562 873.829,62438 1.383.705 39.916.200,426
7 39.916.200,426 498.952,50533 884.752,49467 1.383.705 39.031.447,931
8 39.031.447,931 487.893,09914 895.811,90086 1.383.705 38.135.636,03
9 38.135.636,03 476.695,45038 907.009,54962 1.383.705 37.228.626,48
10 37.228.626,48 465.357,831 918.347,169 1.383.705 36.310.279,311
11 36.310.279,311 453.878,49139 929.826,50861 1.383.705 35.380.452,802
12 35.380.452,802 442.255,66003 941.449,33997 1.383.705 34.439.003,462
13 34.439.003,462 430.487,54328 953.217,45672 1.383.705 33.485.786,005
14 33.485.786,005 418.572,32506 965.132,67494 1.383.705 32.520.653,33
15 32.520.653,33 406.508,16663 977.196,83337 1.383.705 31.543.456,497
16 31.543.456,497 394.293,20621 989.411,79379 1.383.705 30.554.044,703
17 30.554.044,703 381.925,55879 1.001.779,4412 1.383.705 29.552.265,262
18 29.552.265,262 369.403,31578 1.014.301,6842 1.383.705 28.537.963,578
19 28.537.963,578 356.724,54473 1.026.980,4553 1.383.705 27.510.983,123
20 27.510.983,123 343.887,28904 1.039.817,711 1.383.705 26.471.165,412
21 26.471.165,412 330.889,56765 1.052.815,4323 1.383.705 25.418.349,98
22 25.418.349,98 317.729,37475 1.065.975,6253 1.383.705 24.352.374,355
23 24.352.374,355 304.404,67944 1.079.300,3206 1.383.705 23.273.074,034
24 23.273.074,034 290.913,42543 1.092.791,5746 1.383.705 22.180.282,459
25 22.180.282,459 277.253,53074 1.106.454,4693 1.383.705 21.073.827,99
26 21.073.827,99 263.422,84988 1.120.282,1501 1.383.705 19.953.545,84
27 19.953.545,84 249.419,323 1.134.285,677 1.383.705 18.819.260,163
28 18.819.260,163 235.240,75204 1.148.464,248 1.383.705 17.670.795,915
29 17.670.795,915 220.884,94894 1.162.820,0511 1.383.705 16.507.975,864
30 16.507.975,864 206.349,6983 1.177.355,3017 1.383.705 15.330.620,562
31 15.330.620,562 191.632,75703 1.192.072,243 1.383.705 14.138.548,319
32 14.138.548,319 176.731,85399 1.206.973,146 1.383.705 12.931.575,173
33 12.931.575,173 161.644,68966 1.222.060,3103 1.383.705 11.709.514,863
34 11.709.514,863 146.368,93579 1.237.336,0642 1.383.705 10.472.178,799
35 10.472.178,799 130.902,23499 1.252.802,765 1.383.705 9.219.376,034
36 9.219.376,034 115.242,20043 1.268.462,7996 1.383.705 7.950.913,2344
37 7.950.913,2344 99.386,41543 1.284.318,5846 1.383.705 6.666.594,6498
38 6.666.594,6498 83.332,433123 1.300.372,5669 1.383.705 5.366.222,0829
39 5.366.222,0829 67.077,776036 1.316.627,224 1.383.705 4.049.594,8589
40 4.049.594,8589 50.619,935736 1.333.085,0643 1.383.705 2.716.509,7946
41 2.716.509,7946 33.956,372433 1.349.748,6276 1.383.705 1.366.761,167
42 1.366.761,167 17.084,514588 1.366.620,4854 1.383.705 0
¿Cuánto debe depositarse hoy, en un banco que paga una tasa de interés de
“4.5” % anual, para garantizar los retiros para cubrir los costos de
mantenimiento?
Solución:
Datos:
I = 4.5 % anual
N = 7 años
S = 1.680.000 Bs
P=?
𝑆 = 𝑃(1 + 𝑖)𝑛
𝑆
𝑃=
(1 + 𝑖)𝑛
1.680.000
𝑃=
(1 + 0.045)7
1.680.000
𝑃=
(1.045)7
𝑃 = 1.680.000𝑥(1.045)−7
𝑃 = 1.680.000 𝑥 (0.734828)
𝑃 = 1.234.511,04