Prestamo $ 1,200,000,000

i 1.18% FIJO
n 12 AMORTIZACIÓN

PERIODO DEUDA INICIAL INTERES INTERESES AMORTIZACION

1 $ 1,200,000,000 1.18% $ 14,160,000 $ 100,000,000
2 $ 1,100,000,000 1.18% $ 12,980,000 $ 100,000,000
3 $ 1,000,000,000 1.18% $ 11,800,000 $ 100,000,000
4 $ 900,000,000 1.18% $ 10,620,000 $ 100,000,000
5 $ 800,000,000 1.18% $ 9,440,000 $ 100,000,000
6 $ 700,000,000 1.18% $ 8,260,000 $ 100,000,000
7 $ 600,000,000 1.18% $ 7,080,000 $ 100,000,000
8 $ 500,000,000 1.18% $ 5,900,000 $ 100,000,000
9 $ 400,000,000 1.18% $ 4,720,000 $ 100,000,000
10 $ 300,000,000 1.18% $ 3,540,000 $ 100,000,000
11 $ 200,000,000 1.18% $ 2,360,000 $ 100,000,000
12 $ 100,000,000 1.18% $ 1,180,000 $ 100,000,000
$ 92,040,000.00 $ 1,200,000,000.00
 TASA EFECTIVA ANUAL
14.2%
TIZACIÓN

PAGO DEUDA FINAL

$ 114,160,000 $ 1,100,000,000
$ 112,980,000 $ 1,000,000,000
$ 111,800,000 $ 900,000,000
$ 110,620,000 $ 800,000,000
$ 109,440,000 $ 700,000,000
$ 108,260,000 $ 600,000,000
$ 107,080,000 $ 500,000,000
$ 105,900,000 $ 400,000,000
$ 104,720,000 $ 300,000,000
$ 103,540,000 $ 200,000,000
$ 102,360,000 $ 100,000,000
$ 101,180,000 $ -
$ 1,292,040,000.00 -$ 0.07 0.071236185
P $ 1,200,000,000
i 1.18%
n 12 AMORTIZACIÓN

PERIODO DEUDA INICIAL INTERES INTERESES AMORTIZACION

1 $ 1,200,000,000.00 1.18% $ 14,160,000.00 $ 100,000,000.00
2 $ 1,100,000,000.00 1.18% $ 12,980,000.00 $ 100,000,000.00
3 $ 1,000,000,000.00 1.18% $ 11,800,000.00 $ 100,000,000.00
4 $ 900,000,000.00 1.18% $ 10,620,000.00 $ 100,000,000.00
5 $ 800,000,000.00 1.18% $ 9,440,000.00 $ 100,000,000.00
6 $ 700,000,000.00 1.18% $ 8,260,000.00 $ 100,000,000.00
7 $ 600,000,000.00 1.18% $ 7,080,000.00 $ 100,000,000.00
8 $ 500,000,000.00 1.18% $ 5,900,000.00 $ 100,000,000.00
9 $ 400,000,000.00 1.18% $ 4,720,000.00 $ 100,000,000.00
10 $ 300,000,000.00 1.18% $ 3,540,000.00 $ 100,000,000.00
11 $ 200,000,000.00 1.18% $ 2,360,000.00 $ 100,000,000.00
12 $ 100,000,000.00 1.18% $ 1,180,000.00 $ 100,000,000.00
$ 92,040,000.00 $ 1,200,000,000.00
TIZACIÓN

PAGO DEUDA FINAL

$ 114,160,000.00 $ 1,100,000,000.00
$ 112,980,000.00 $ 1,000,000,000.00
$ 111,800,000.00 $ 900,000,000.00
$ 110,620,000.00 $ 800,000,000.00
$ 109,440,000.00 $ 700,000,000.00
$ 108,260,000.00 $ 600,000,000.00
$ 107,080,000.00 $ 500,000,000.00
$ 105,900,000.00 $ 400,000,000.00
$ 104,720,000.00 $ 300,000,000.00
$ 103,540,000.00 $ 200,000,000.00
$ 102,360,000.00 $ 100,000,000.00
$ 101,180,000.00 $ -
$ 1,292,040,000.00
TALLER DE FUNDAMENTOS DE MATEMATICA FINANCIERA
 
 
 
 
 
 
 
LUIS MIGUEL VILLALOBOS CORTES ID 771816
HEIDY ESTEFANIA SOLORZANO CARRIAZO ID 771868
VANESSA ALEJANDRA RAMIREZ BEJARANO ID 715761
JOHAN SEBASTIAN MORENO HERRERA ID: 765844
 
 
 
 
 
 
 
 
 
 
CORPORACION UNIVERSITARIA MINUTO DE DIOS
PREGRADO CONTADURIA PUBLICA
LERIDA- TOLIMA
2021
 
 EJERCICIO AMORTIZACIÓN

UN EMPRESARIO DESEA VER LA POSIBILIDAD DE OBTENER UN CREDITO DE $4.500.000.000 CON UNA ENTIDAD
ACUERDO CON SU CAPACIDAD DE ENDEUDAMIENTO FINANCIERO COMO ENTE JURIDICO Y POR SER EXCELENTE
1
TASA E.A DEL 18,89%. POR UN PERIODO DE COMPROMISO DE PAGO A 36 MESES. SEGUN ESTA INFORMACIÓN.
PARA ESTE CLIENTE?

JHON FREDY, REQUIERE SACAR UN CREDITO CON SU ENTIDAD FINANCIERA POR $22.000.000, ESTA LE INDICA Q
CREDITO DE ACUERDO A SU SCORE Y VIDA CREDITICIA ES POR MEDIO DE UN CREDITO DE LIBRE INVERSION Y UN
2
LIBRE INVERSION LO SACA A 48 MESES Y LA TC A 36 MESES. PARA EL CLI ($18.000.000) LA TASA QUE SE LE ESTIM
($4.000.000) ES DEL 2,29% MES FIJA. FAVOR CALCULAR LA AMORTIZACION PARA ESTE CASO

EJERCICIO 1

Prestamo $ 4,500,000,000
i 1.57% 18.89
n 36 AMORTIZACIÓN

PERIODO DEUDA INICIAL INTERES INTERESES AMORTIZACION

1 $ 4,500,000,000 1.57% 70,650,000 125,000,000
2 4,375,000,000 1.57% 68,687,500 125,000,000
3 4,250,000,000 1.57% 66,725,000 125,000,000
4 4,125,000,000 1.57% 64,762,500 125,000,000
5 4,000,000,000 1.57% 62,800,000 125,000,000
6 3,875,000,000 1.57% 60,837,500 125,000,000
7 3,750,000,000 1.57% 58,875,000 125,000,000
8 3,625,000,000 1.57% 56,912,500 125,000,000
9 3,500,000,000 1.57% 54,950,000 125,000,000
10 3,375,000,000 1.57% 52,987,500 125,000,000
11 3,250,000,000 1.57% 51,025,000 125,000,000
12 3,125,000,000 1.57% 49,062,500 125,000,000
13 3,000,000,000 1.57% 47,100,000 125,000,000
14 2,875,000,000 1.57% 45,137,500 125,000,000
15 2,750,000,000 1.57% 43,175,000 125,000,000
16 2,625,000,000 1.57% 41,212,500 125,000,000
17 2,500,000,000 1.57% 39,250,000 125,000,000
18 2,375,000,000 1.57% 37,287,500 125,000,000
19 2,250,000,000 1.57% 35,325,000 125,000,000
20 2,125,000,000 1.57% 33,362,500 125,000,000
21 2,000,000,000 1.57% 31,400,000 125,000,000
 22 1,875,000,000 1.57% 29,437,500 125,000,000
23 1,750,000,000 1.57% 27,475,000 125,000,000
24 1,625,000,000 1.57% 25,512,500 125,000,000
25 1,500,000,000 1.57% 23,550,000 125,000,000
26 1,375,000,000 1.57% 21,587,500 125,000,000
27 1,250,000,000 1.57% 19,625,000 125,000,000
28 1,125,000,000 1.57% 17,662,500 125,000,000
29 1,000,000,000 1.57% 15,700,000 125,000,000
30 875,000,000 1.57% 13,737,500 125,000,000
31 750,000,000 1.57% 11,775,000 125,000,000
32 625,000,000 1.57% 9,812,500 125,000,000
33 500,000,000 1.57% 7,850,000 125,000,000
34 375,000,000 1.57% 5,887,500 125,000,000
35 250,000,000 1.57% 3,925,000 125,000,000
36 125,000,000 1.57% 1,962,500 125,000,000
1,307,025,000 4,500,000,000

EJERCICIO 2
CREDITO LIBRE INVERSION

Prestamo $ 18,000,000
i 2.1% FIJO
n 48 AMORTIZACIÓN

PERIODO DEUDA INICIAL INTERES INTERESES AMORTIZACION

1 $ 18,000,000 2.1% 378,000 375,000
2 17,625,000 2.1% 370,125 375,000
3 17,250,000 2.1% 362,250 375,000
4 16,875,000 2.1% 354,375 375,000
5 16,500,000 2.1% 346,500 375,000
6 16,125,000 2.1% 338,625 375,000
7 15,750,000 2.1% 330,750 375,000
8 15,375,000 2.1% 322,875 375,000
9 15,000,000 2.1% 315,000 375,000
 10 14,625,000 2.1% 307,125 375,000
11 14,250,000 2.1% 299,250 375,000
12 13,875,000 2.1% 291,375 375,000
13 13,500,000 2.1% 283,500 375,000
14 13,125,000 2.1% 275,625 375,000
15 12,750,000 2.1% 267,750 375,000
16 12,375,000 2.1% 259,875 375,000
17 12,000,000 2.1% 252,000 375,000
18 11,625,000 2.1% 244,125 375,000
19 11,250,000 2.1% 236,250 375,000
20 10,875,000 2.1% 228,375 375,000
21 10,500,000 2.1% 220,500 375,000
22 10,125,000 2.1% 212,625 375,000
23 9,750,000 2.1% 204,750 375,000
24 9,375,000 2.1% 196,875 375,000
25 9,000,000 2.1% 189,000 375,000
26 8,625,000 2.1% 181,125 375,000
27 8,250,000 2.1% 173,250 375,000
28 7,875,000 2.1% 165,375 375,000
29 7,500,000 2.1% 157,500 375,000
30 7,125,000 2.1% 149,625 375,000
31 6,750,000 2.1% 141,750 375,000
32 6,375,000 2.1% 133,875 375,000
33 6,000,000 2.1% 126,000 375,000
34 5,625,000 2.1% 118,125 375,000
35 5,250,000 2.1% 110,250 375,000
36 4,875,000 2.1% 102,375 375,000
37 4,500,000 2.1% 94,500 375,000
38 4,125,000 2.1% 86,625 375,000
39 3,750,000 2.1% 78,750 375,000
40 3,375,000 2.1% 70,875 375,000
41 3,000,000 2.1% 63,000 375,000
42 2,625,000 2.1% 55,125 375,000
43 2,250,000 2.1% 47,250 375,000
44 1,875,000 2.1% 39,375 375,000
45 1,500,000 2.1% 31,500 375,000
46 1,125,000 2.1% 23,625 375,000
47 750,000 2.1% 15,750 375,000
48 375,000 2.1% 7,875 375,000
9,261,000 18,000,000

TARJETA DE CREDITO
Prestamo $ 4,000,000
i 2.29% FIJO
n 36 AMORTIZACIÓN
PERIODO DEUDA INICIAL INTERES INTERESES AMORTIZACION
1 $ 4,000,000 2.29% 91,600 111,111
2 $ 3,888,889 2.29% 89,056 111,111
3 $ 3,777,778 2.29% 86,511 111,111
4 $ 3,666,667 2.29% 83,967 111,111
5 $ 3,555,556 2.29% 81,422 111,111
6 $ 3,444,444 2.29% 78,878 111,111
7 $ 3,333,333 2.29% 76,333 111,111
8 $ 3,222,222 2.29% 73,789 111,111
9 $ 3,111,111 2.29% 71,244 111,111
10 $ 3,000,000 2.29% 68,700 111,111
11 $ 2,888,889 2.29% 66,156 111,111
12 $ 2,777,778 2.29% 63,611 111,111
13 $ 2,666,667 2.29% 61,067 111,111
14 $ 2,555,556 2.29% 58,522 111,111
15 $ 2,444,444 2.29% 55,978 111,111
16 $ 2,333,333 2.29% 53,433 111,111
17 $ 2,222,222 2.29% 50,889 111,111
18 $ 2,111,111 2.29% 48,344 111,111
19 $ 2,000,000 2.29% 45,800 111,111
20 $ 1,888,889 2.29% 43,256 111,111
21 $ 1,777,778 2.29% 40,711 111,111
22 $ 1,666,667 2.29% 38,167 111,111
23 $ 1,555,556 2.29% 35,622 111,111
24 $ 1,444,444 2.29% 33,078 111,111
25 $ 1,333,333 2.29% 30,533 111,111
26 $ 1,222,222 2.29% 27,989 111,111
27 $ 1,111,111 2.29% 25,444 111,111
28 $ 1,000,000 2.29% 22,900 111,111
29 $ 888,889 2.29% 20,356 111,111
30 $ 777,778 2.29% 17,811 111,111
31 $ 666,667 2.29% 15,267 111,111
32 $ 555,556 2.29% 12,722 111,111
33 $ 444,444 2.29% 10,178 111,111
34 $ 333,333 2.29% 7,633 111,111
35 $ 222,222 2.29% 5,089 111,111
36 $ 111,111 2.29% 2,544 111,111

1,694,600 4,000,000
O AMORTIZACIÓN

DE $4.500.000.000 CON UNA ENTIDAD FINANCIERA, ESTA LE INDICA QUE DE

O ENTE JURIDICO Y POR SER EXCELENTE CLIENTE, LE PUEDEN GARANTIZAR UNA
36 MESES. SEGUN ESTA INFORMACIÓN. COMO CALCULARIA LA AMORTIZACIÓN

ERA POR $22.000.000, ESTA LE INDICA QUE LA UNICA MANERA DE EMITIR EL

E UN CREDITO DE LIBRE INVERSION Y UNA TARJETA DE CREDITO. EL CREDITO DE
($18.000.000) LA TASA QUE SE LE ESTIMA ES DEL 2,1% MES FIJA Y PARA LA TC
ON PARA ESTE CASO

TASA EFECTIVA ANUAL

ZACIÓN

PAGO DEUDA FINAL

195,650,000 4,375,000,000
193,687,500 4,250,000,000
191,725,000 4,125,000,000
189,762,500 4,000,000,000
187,800,000 3,875,000,000
185,837,500 3,750,000,000
183,875,000 3,625,000,000
181,912,500 3,500,000,000
179,950,000 3,375,000,000
177,987,500 3,250,000,000
176,025,000 3,125,000,000
174,062,500 3,000,000,000
172,100,000 2,875,000,000
170,137,500 2,750,000,000
168,175,000 2,625,000,000
166,212,500 2,500,000,000
164,250,000 2,375,000,000
162,287,500 2,250,000,000
160,325,000 2,125,000,000
158,362,500 2,000,000,000
156,400,000 1,875,000,000
 154,437,500 1,750,000,000
152,475,000 1,625,000,000
150,512,500 1,500,000,000
148,550,000 1,375,000,000
146,587,500 1,250,000,000
144,625,000 1,125,000,000
142,662,500 1,000,000,000
140,700,000 875,000,000
138,737,500 750,000,000
136,775,000 625,000,000
134,812,500 500,000,000
132,850,000 375,000,000
130,887,500 250,000,000
128,925,000 125,000,000
126,962,500 -
5,807,025,000 23%

TO LIBRE INVERSION

TASA EFECTIVA ANUAL

ZACIÓN

PAGO DEUDA FINAL

753,000 17,625,000
745,125 17,250,000
737,250 16,875,000
729,375 16,500,000
721,500 16,125,000
713,625 15,750,000
705,750 15,375,000
697,875 15,000,000
690,000 14,625,000
 682,125 14,250,000
674,250 13,875,000
666,375 13,500,000
658,500 13,125,000
650,625 12,750,000
642,750 12,375,000
634,875 12,000,000
627,000 11,625,000
619,125 11,250,000
611,250 10,875,000
603,375 10,500,000
595,500 10,125,000
587,625 9,750,000
579,750 9,375,000
571,875 9,000,000
564,000 8,625,000
556,125 8,250,000
548,250 7,875,000
540,375 7,500,000
532,500 7,125,000
524,625 6,750,000
516,750 6,375,000
508,875 6,000,000
501,000 5,625,000
493,125 5,250,000
485,250 4,875,000
477,375 4,500,000
469,500 4,125,000
461,625 3,750,000
453,750 3,375,000
445,875 3,000,000
438,000 2,625,000
430,125 2,250,000
422,250 1,875,000
414,375 1,500,000
406,500 1,125,000
398,625 750,000
390,750 375,000
382,875 -
27,261,000 34%

TA DE CREDITO
TASA EFECTIVA ANUAL

ZACIÓN
PAGO DEUDA FINAL
202,711 $ 3,888,889
200,167 $ 3,777,778
197,622 $ 3,666,667
195,078 $ 3,555,556
192,533 $ 3,444,444
189,989 $ 3,333,333
187,444 $ 3,222,222
184,900 $ 3,111,111
182,356 $ 3,000,000
179,811 $ 2,888,889
177,267 $ 2,777,778
174,722 $ 2,666,667
172,178 $ 2,555,556
169,633 $ 2,444,444
167,089 $ 2,333,333
164,544 $ 2,222,222
162,000 $ 2,111,111
159,456 $ 2,000,000
156,911 $ 1,888,889
154,367 $ 1,777,778
151,822 $ 1,666,667
149,278 $ 1,555,556
146,733 $ 1,444,444
144,189 $ 1,333,333
141,644 $ 1,222,222
139,100 $ 1,111,111
136,556 $ 1,000,000
134,011 $ 888,889
131,467 $ 777,778
128,922 $ 666,667
126,378 $ 555,556
123,833 $ 444,444
121,289 $ 333,333
118,744 $ 222,222
116,200 $ 111,111
113,656 $ -

5,694,600 30%