PRESENTADO POR:

BOBADILLO MURIEL INGRID TATIANA

CIFUENTES AGUIRRE LINA MARIA
SALINAS RAMIREZ LUISA FERNANDA
TORRES GUEVARA CARLOS DAVID
Prestamo 200,000,000
Tiempo 15 AÑOS 180
TASA DTF EF AN + 13% TASAS
12.50% i1 12.50% 0.0098635805532
i2 12.50% 0.0098635805532
0.00%
UVR 196.4324
SALDO EN UVR 1,018,161.9733 IPC 3.85% 0.32%

Cuota $ $ 2,379,312.65 VALOR DE LA CUOTA EN PESOS

Cuota UVR 12,112.6283 VALOR DE LAS CUOTAS MENSUALES

AÑOS Periodo Cuota Intereses Abono Capital

0 0
1 1 12,112.6283 10,042.7226 2,069.9057
1 2 12,112.6283 10,022.3060 2,090.3223
1 3 12,112.6283 10,001.6879 2,110.9404
1 4 12,112.6283 9,980.8665 2,131.7618
1 5 12,112.6283 9,959.8397 2,152.7886
1 6 12,112.6283 9,938.6055 2,174.0229
1 7 12,112.6283 9,917.1618 2,195.4665
1 8 12,112.6283 9,895.5066 2,217.1217
1 9 12,112.6283 9,873.6379 2,238.9904
1 10 12,112.6283 9,851.5534 2,261.0749
1 11 12,112.6283 9,829.2511 2,283.3772
1 12 12,112.6283 9,806.7289 2,305.8995
2 13 12,112.6283 9,783.9844 2,328.6439
2 14 12,112.6283 9,761.0157 2,351.6126
2 15 12,112.6283 9,737.8203 2,374.8080
2 16 12,112.6283 9,714.3962 2,398.2321
2 17 12,112.6283 9,690.7411 2,421.8872
2 18 12,112.6283 9,666.8526 2,445.7757
2 19 12,112.6283 9,642.7285 2,469.8998
2 20 12,112.6283 9,618.3664 2,494.2619
2 21 12,112.6283 9,593.7641 2,518.8642
2 22 12,112.6283 9,568.9191 2,543.7092
2 23 12,112.6283 9,543.8290 2,568.7993
2 24 12,112.6283 9,518.4914 2,594.1369
3 25 12,112.6283 9,492.9039 2,619.7244
3 26 12,112.6283 9,467.0641 2,645.5642
3 27 12,112.6283 9,440.9693 2,671.6590
3 28 12,112.6283 9,414.6172 2,698.0111
3 29 12,112.6283 9,388.0052 2,724.6231
3 30 12,112.6283 9,361.1306 2,751.4977
3 31 12,112.6283 9,333.9910 2,778.6373
3 32 12,112.6283 9,306.5837 2,806.0446
3 33 12,112.6283 9,278.9061 2,833.7223
3 34 12,112.6283 9,250.9554 2,861.6729
3 35 12,112.6283 9,222.7291 2,889.8992
3 36 12,112.6283 9,194.2243 2,918.4040
4 37 12,112.6283 9,165.4384 2,947.1899
4 38 12,112.6283 9,136.3686 2,976.2598
4 39 12,112.6283 9,107.0120 3,005.6163
4 40 12,112.6283 9,077.3658 3,035.2625
4 41 12,112.6283 9,047.4273 3,065.2010
4 42 12,112.6283 9,017.1934 3,095.4349
4 43 12,112.6283 8,986.6614 3,125.9670
4 44 12,112.6283 8,955.8281 3,156.8002
4 45 12,112.6283 8,924.6908 3,187.9375
4 46 12,112.6283 8,893.2463 3,219.3820
4 47 12,112.6283 8,861.4917 3,251.1366
4 48 12,112.6283 8,829.4238 3,283.2045
5 49 12,112.6283 8,797.0397 3,315.5886
5 50 12,112.6283 8,764.3361 3,348.2922
5 51 12,112.6283 8,731.3099 3,381.3184
5 52 12,112.6283 8,697.9580 3,414.6703
5 53 12,112.6283 8,664.2772 3,448.3512
5 54 12,112.6283 8,630.2641 3,482.3642
5 55 12,112.6283 8,595.9155 3,516.7128
5 56 12,112.6283 8,561.2281 3,551.4002
5 57 12,112.6283 8,526.1986 3,586.4297
5 58 12,112.6283 8,490.8235 3,621.8048
5 59 12,112.6283 8,455.0996 3,657.5287
5 60 12,112.6283 8,419.0233 3,693.6051
6 61 12,112.6283 8,382.5911 3,730.0372
6 62 12,112.6283 8,345.7996 3,766.8287
6 63 12,112.6283 8,308.6451 3,803.9832
6 64 12,112.6283 8,271.1242 3,841.5041
6 65 12,112.6283 8,233.2333 3,879.3950
6 66 12,112.6283 8,194.9685 3,917.6598
6 67 12,112.6283 8,156.3264 3,956.3019
6 68 12,112.6283 8,117.3031 3,995.3252
6 69 12,112.6283 8,077.8949 4,034.7334
6 70 12,112.6283 8,038.0980 4,074.5304
6 71 12,112.6283 7,997.9085 4,114.7198
6 72 12,112.6283 7,957.3226 4,155.3057
7 73 12,112.6283 7,916.3364 4,196.2919
7 74 12,112.6283 7,874.9460 4,237.6823
 7 75 12,112.6283 7,833.1472 4,279.4811
7 76 12,112.6283 7,790.9362 4,321.6921
7 77 12,112.6283 7,748.3089 4,364.3194
7 78 12,112.6283 7,705.2611 4,407.3672
7 79 12,112.6283 7,661.7886 4,450.8397
7 80 12,112.6283 7,617.8874 4,494.7409
7 81 12,112.6283 7,573.5532 4,539.0751
7 82 12,112.6283 7,528.7817 4,583.8467
7 83 12,112.6283 7,483.5685 4,629.0598
7 84 12,112.6283 7,437.9094 4,674.7189
8 85 12,112.6283 7,391.7999 4,720.8284
8 86 12,112.6283 7,345.2357 4,767.3926
8 87 12,112.6283 7,298.2121 4,814.4162
8 88 12,112.6283 7,250.7247 4,861.9036
8 89 12,112.6283 7,202.7690 4,909.8594
8 90 12,112.6283 7,154.3402 4,958.2881
8 91 12,112.6283 7,105.4337 5,007.1946
8 92 12,112.6283 7,056.0448 5,056.5835
8 93 12,112.6283 7,006.1688 5,106.4595
8 94 12,112.6283 6,955.8008 5,156.8275
8 95 12,112.6283 6,904.9360 5,207.6923
8 96 12,112.6283 6,853.5695 5,259.0588
9 97 12,112.6283 6,801.6964 5,310.9319
9 98 12,112.6283 6,749.3116 5,363.3167
9 99 12,112.6283 6,696.4101 5,416.2182
9 100 12,112.6283 6,642.9868 5,469.6415
9 101 12,112.6283 6,589.0365 5,523.5918
9 102 12,112.6283 6,534.5541 5,578.0742
9 103 12,112.6283 6,479.5344 5,633.0940
9 104 12,112.6283 6,423.9719 5,688.6564
9 105 12,112.6283 6,367.8614 5,744.7669
9 106 12,112.6283 6,311.1974 5,801.4309
9 107 12,112.6283 6,253.9745 5,858.6538
9 108 12,112.6283 6,196.1872 5,916.4411
10 109 12,112.6283 6,137.8299 5,974.7984
10 110 12,112.6283 6,078.8970 6,033.7313
10 111 12,112.6283 6,019.3828 6,093.2455
10 112 12,112.6283 5,959.2816 6,153.3467
10 113 12,112.6283 5,898.5876 6,214.0407
10 114 12,112.6283 5,837.2949 6,275.3334
10 115 12,112.6283 5,775.3976 6,337.2307
10 116 12,112.6283 5,712.8898 6,399.7385
10 117 12,112.6283 5,649.7655 6,462.8628
10 118 12,112.6283 5,586.0185 6,526.6098
10 119 12,112.6283 5,521.6428 6,590.9855
10 120 12,112.6283 5,456.6321 6,655.9962
11 121 12,112.6283 5,390.9801 6,721.6482
11 122 12,112.6283 5,324.6806 6,787.9477
11 123 12,112.6283 5,257.7271 6,854.9012
11 124 12,112.6283 5,190.1133 6,922.5151
11 125 12,112.6283 5,121.8325 6,990.7958
11 126 12,112.6283 5,052.8782 7,059.7501
11 127 12,112.6283 4,983.2438 7,129.3845
11 128 12,112.6283 4,912.9225 7,199.7058
11 129 12,112.6283 4,841.9076 7,270.7207
11 130 12,112.6283 4,770.1923 7,342.4360
11 131 12,112.6283 4,697.7696 7,414.8587
11 132 12,112.6283 4,624.6325 7,487.9958
12 133 12,112.6283 4,550.7741 7,561.8542
12 134 12,112.6283 4,476.1871 7,636.4412
12 135 12,112.6283 4,400.8645 7,711.7638
12 136 12,112.6283 4,324.7989 7,787.8294
12 137 12,112.6283 4,247.9830 7,864.6453
12 138 12,112.6283 4,170.4094 7,942.2189
12 139 12,112.6283 4,092.0707 8,020.5576
12 140 12,112.6283 4,012.9593 8,099.6690
12 141 12,112.6283 3,933.0676 8,179.5608
12 142 12,112.6283 3,852.3878 8,260.2405
12 143 12,112.6283 3,770.9123 8,341.7161
12 144 12,112.6283 3,688.6331 8,423.9952
13 145 12,112.6283 3,605.5423 8,507.0860
13 146 12,112.6283 3,521.6320 8,590.9963
13 147 12,112.6283 3,436.8940 8,675.7343
13 148 12,112.6283 3,351.3202 8,761.3081
13 149 12,112.6283 3,264.9023 8,847.7260
13 150 12,112.6283 3,177.6321 8,934.9962
13 151 12,112.6283 3,089.5010 9,023.1273
13 152 12,112.6283 3,000.5007 9,112.1276
13 153 12,112.6283 2,910.6225 9,202.0058
13 154 12,112.6283 2,819.8577 9,292.7706
13 155 12,112.6283 2,728.1977 9,384.4306
13 156 12,112.6283 2,635.6337 9,476.9946
14 157 12,112.6283 2,542.1566 9,570.4717
14 158 12,112.6283 2,447.7574 9,664.8709
14 159 12,112.6283 2,352.4272 9,760.2011
14 160 12,112.6283 2,256.1567 9,856.4716
14 161 12,112.6283 2,158.9366 9,953.6917
14 162 12,112.6283 2,060.7575 10,051.8708
14 163 12,112.6283 1,961.6101 10,151.0182
14 164 12,112.6283 1,861.4847 10,251.1436
14 165 12,112.6283 1,760.3717 10,352.2566
14 166 12,112.6283 1,658.2614 10,454.3669
14 167 12,112.6283 1,555.1439 10,557.4844
14 168 12,112.6283 1,451.0093 10,661.6190
15 169 12,112.6283 1,345.8476 10,766.7807
15 170 12,112.6283 1,239.6486 10,872.9797
15 171 12,112.6283 1,132.4021 10,980.2262
15 172 12,112.6283 1,024.0977 11,088.5306
15 173 12,112.6283 914.7251 11,197.9032
15 174 12,112.6283 804.2737 11,308.3546
15 175 12,112.6283 692.7328 11,419.8955
15 176 12,112.6283 580.0918 11,532.5365
15 177 12,112.6283 466.3397 11,646.2886
15 178 12,112.6283 351.4656 11,761.1628
15 179 12,112.6283 235.4584 11,877.1699
15 180 12,112.6283 118.3070 11,994.3214
2,180,273.0954 1,162,111.1221 1,018,161.9733
 Un credito de vivienda por valor de $
200.000.000 a la UVR + 12,50 % efectivo
anual, se va a pagar con 180 cuotas mensuales
iguales en UVR ( sistema 1). Sí la UVR el dia
del desembolso del credito tiene un valor de $
196.4324, calcular
a) el valor de las cuotas mensuales en UVR
b) valor de las cuotas en pesos

Saldo
1,018,161.9733
1,016,092.0676
1,014,001.7453
1,011,890.8048
1,009,759.0430
1,007,606.2544
1,005,432.2315
1,003,236.7650
1,001,019.6433
998,780.6529
996,519.5780
994,236.2009
991,930.3014
989,601.6575
987,250.0449
984,875.2369
982,477.0049
980,055.1176
977,609.3419
975,139.4421
972,645.1802
970,126.3160
967,582.6068
965,013.8074
962,419.6706
959,799.9462
957,154.3820
954,482.7230
951,784.7119
949,060.0888
946,308.5911
943,529.9538
940,723.9092
937,890.1870
935,028.5141
932,138.6148
929,220.2108
926,273.0209
923,296.7612
920,291.1449
917,255.8824
914,190.6814
911,095.2465
907,969.2795
904,812.4794
901,624.5418
898,405.1598
895,154.0232
891,870.8187
888,555.2300
885,206.9378
881,825.6194
878,410.9492
874,962.5980
871,480.2338
867,963.5209
864,412.1207
860,825.6910
857,203.8863
853,546.3575
849,852.7525
846,122.7153
842,355.8865
838,551.9033
834,710.3993
830,831.0042
826,913.3445
822,957.0425
818,961.7173
814,926.9839
810,852.4535
806,737.7337
802,582.4280
798,386.1361
794,148.4538
789,868.9727
785,547.2807
781,182.9612
776,775.5940
772,324.7543
767,830.0134
763,290.9383
758,707.0917
754,078.0319
749,403.3130
744,682.4846
739,915.0920
735,100.6758
730,238.7722
725,328.9129
720,370.6247
715,363.4301
710,306.8466
705,200.3871
700,043.5596
694,835.8673
689,576.8086
684,265.8767
678,902.5600
673,486.3417
668,016.7002
662,493.1084
656,915.0343
651,281.9403
645,593.2839
639,848.5169
634,047.0860
628,188.4322
622,271.9911
616,297.1927
610,263.4614
604,170.2159
598,016.8692
591,802.8285
585,527.4950
579,190.2643
572,790.5258
566,327.6630
559,801.0532
553,210.0677
546,554.0715
539,832.4233
533,044.4756
526,189.5744
519,267.0593
512,276.2635
505,216.5134
498,087.1288
490,887.4231
483,616.7024
476,274.2664
468,859.4077
461,371.4119
453,809.5577
446,173.1165
438,461.3527
430,673.5232
422,808.8779
414,866.6590
406,846.1014
398,746.4324
390,566.8717
382,306.6311
373,964.9151
365,540.9198
357,033.8338
348,442.8375
339,767.1032
331,005.7951
322,158.0691
313,223.0729
304,199.9456
295,087.8179
285,885.8121
276,593.0415
267,208.6109
257,731.6163
248,161.1445
238,496.2737
228,736.0726
218,879.6009
208,925.9092
198,874.0384
188,723.0202
178,471.8766
168,119.6201
157,665.2532
147,107.7688
136,446.1498
125,679.3691
114,806.3894
103,826.1631
92,737.6325
81,539.7293
70,231.3747
58,811.4792
47,278.9427
35,632.6540
23,871.4913
11,994.3214
0.0000
Prestamo 200,000,000
Tiempo 15 AÑOS 180
TASA DTF EF AN + 13%
12.50% i1 12.50%
i2 12.50%
ABONO CAPITAL 1,111,111
INTERES 1,972,716 CUOTA 3,083,827
CUOTA UVR 15,699

0.00%
UVR 196.4324

Años Periodo Cuota Cuota en UVR Interes

0 0
1 1 $ 3,083,827.22 $ 15,699.18 $ 1,972,716.11
1 2 $ 3,072,867.69 $ 15,643.39 $ 1,961,756.58
1 3 $ 3,061,908.15 $ 15,587.59 $ 1,950,797.04
1 4 $ 3,050,948.62 $ 15,531.80 $ 1,939,837.51
1 5 $ 3,039,989.09 $ 15,476.01 $ 1,928,877.97
1 6 $ 3,029,029.55 $ 15,420.21 $ 1,917,918.44
1 7 $ 3,018,070.02 $ 15,364.42 $ 1,906,958.91
1 8 $ 3,007,110.48 $ 15,308.63 $ 1,895,999.37
1 9 $ 2,996,150.95 $ 15,252.83 $ 1,885,039.84
1 10 $ 2,996,150.95 $ 15,252.83 $ 1,874,080.31
1 11 $ 2,985,191.42 $ 15,197.04 $ 1,863,120.77
1 12 $ 2,974,231.88 $ 15,141.25 $ 1,852,161.24
2 13 $ 2,963,272.35 $ 15,085.46 $ 1,841,201.70
2 14 $ 2,941,353.28 $ 14,973.87 $ 1,830,242.17
2 15 $ 2,930,393.75 $ 14,918.08 $ 1,819,282.64
2 16 $ 2,919,434.21 $ 14,862.28 $ 1,808,323.10
2 17 $ 2,908,474.68 $ 14,806.49 $ 1,797,363.57
2 18 $ 2,897,515.14 $ 14,750.70 $ 1,786,404.03
2 19 $ 2,886,555.61 $ 14,694.91 $ 1,775,444.50
2 20 $ 2,875,596.08 $ 14,639.11 $ 1,764,484.97
2 21 $ 2,864,636.54 $ 14,583.32 $ 1,753,525.43
2 22 $ 2,853,677.01 $ 14,527.53 $ 1,742,565.90
2 23 $ 2,842,717.47 $ 14,471.73 $ 1,731,606.36
2 24 $ 2,831,757.94 $ 14,415.94 $ 1,720,646.83
3 25 $ 2,820,798.41 $ 14,360.15 $ 1,709,687.30
3 26 $ 2,809,838.87 $ 14,304.36 $ 1,698,727.76
3 27 $ 2,798,879.34 $ 14,248.56 $ 1,687,768.23
3 28 $ 2,787,919.81 $ 14,192.77 $ 1,676,808.69
3 29 $ 2,776,960.27 $ 14,136.98 $ 1,665,849.16
3 30 $ 2,766,000.74 $ 14,081.18 $ 1,654,889.63
3 31 $ 2,755,041.20 $ 14,025.39 $ 1,643,930.09
3 32 $ 2,744,081.67 $ 13,969.60 $ 1,632,970.56
3 33 $ 2,733,122.14 $ 13,913.81 $ 1,622,011.02
3 34 $ 2,722,162.60 $ 13,858.01 $ 1,611,051.49
3 35 $ 2,711,203.07 $ 13,802.22 $ 1,600,091.96
3 36 $ 2,700,243.53 $ 93,111.85 $ 1,589,132.42
4 37 $ 2,689,284.00 $ 89,642.80 $ 1,578,172.89
4 38 $ 2,678,324.47 $ 86,397.56 $ 1,567,213.35
4 39 $ 2,667,364.93 $ 83,355.15 $ 1,556,253.82
4 40 $ 2,656,405.40 $ 80,497.13 $ 1,545,294.29
4 41 $ 2,645,445.86 $ 77,807.23 $ 1,534,334.75
4 42 $ 2,634,486.33 $ 75,271.04 $ 1,523,375.22
4 43 $ 2,623,526.80 $ 72,875.74 $ 1,512,415.68
4 44 $ 2,612,567.26 $ 70,609.93 $ 1,501,456.15
4 45 $ 2,601,607.73 $ 68,463.36 $ 1,490,496.62
4 46 $ 2,590,648.19 $ 66,426.88 $ 1,479,537.08
4 47 $ 2,579,688.66 $ 64,492.22 $ 1,468,577.55
4 48 $ 2,568,729.13 $ 62,651.93 $ 1,457,618.02
5 49 $ 2,557,769.59 $ 60,899.28 $ 1,446,658.48
5 50 $ 2,546,810.06 $ 59,228.14 $ 1,435,698.95
5 51 $ 2,535,850.52 $ 57,632.97 $ 1,424,739.41
5 52 $ 2,524,890.99 $ 56,108.69 $ 1,413,779.88
5 53 $ 2,513,931.46 $ 54,650.68 $ 1,402,820.35
5 54 $ 2,502,971.92 $ 53,254.72 $ 1,391,860.81
5 55 $ 2,492,012.39 $ 51,916.92 $ 1,380,901.28
5 56 $ 2,481,052.85 $ 50,633.73 $ 1,369,941.74
5 57 $ 2,470,093.32 $ 49,401.87 $ 1,358,982.21
5 58 $ 2,459,133.79 $ 48,218.31 $ 1,348,022.68
5 59 $ 2,448,174.25 $ 47,080.27 $ 1,337,063.14
5 60 $ 2,437,214.72 $ 45,985.18 $ 1,326,103.61
6 61 $ 2,426,255.18 $ 44,930.65 $ 1,315,144.07
6 62 $ 2,415,295.65 $ 43,914.47 $ 1,304,184.54
6 63 $ 2,404,336.12 $ 42,934.57 $ 1,293,225.01
6 64 $ 2,393,376.58 $ 41,989.06 $ 1,282,265.47
6 65 $ 2,382,417.05 $ 41,076.16 $ 1,271,305.94
6 66 $ 2,371,457.52 $ 40,194.20 $ 1,260,346.40
6 67 $ 2,360,497.98 $ 39,341.63 $ 1,249,386.87
6 68 $ 2,349,538.45 $ 38,517.02 $ 1,238,427.34
6 69 $ 2,338,578.91 $ 37,719.01 $ 1,227,467.80
6 70 $ 2,327,619.38 $ 36,946.34 $ 1,216,508.27
6 71 $ 2,316,659.85 $ 36,197.81 $ 1,205,548.73
6 72 $ 2,305,700.31 $ 35,472.31 $ 1,194,589.20
7 73 $ 2,294,740.78 $ 34,768.80 $ 1,183,629.67
7 74 $ 2,283,781.24 $ 34,086.29 $ 1,172,670.13
7 75 $ 2,272,821.71 $ 33,423.85 $ 1,161,710.60
7 76 $ 2,261,862.18 $ 32,780.61 $ 1,150,751.06
7 77 $ 2,250,902.64 $ 32,155.75 $ 1,139,791.53
7 78 $ 2,239,943.11 $ 31,548.49 $ 1,128,832.00
7 79 $ 2,228,983.57 $ 30,958.11 $ 1,117,872.46
7 80 $ 2,218,024.04 $ 30,383.89 $ 1,106,912.93
 7 81 $ 2,207,064.51 $ 29,825.20 $ 1,095,953.39
7 82 $ 2,196,104.97 $ 29,281.40 $ 1,084,993.86
7 83 $ 2,185,145.44 $ 28,751.91 $ 1,074,034.33
7 84 $ 2,174,185.90 $ 28,236.18 $ 1,063,074.79
8 85 $ 2,163,226.37 $ 27,733.67 $ 1,052,115.26
8 86 $ 2,152,266.84 $ 27,243.88 $ 1,041,155.73
8 87 $ 2,141,307.30 $ 26,766.34 $ 1,030,196.19
8 88 $ 2,130,347.77 $ 26,300.59 $ 1,019,236.66
8 89 $ 2,119,388.23 $ 25,846.20 $ 1,008,277.12
8 90 $ 2,108,428.70 $ 25,402.76 $ 997,317.59
8 91 $ 2,097,469.17 $ 24,969.87 $ 986,358.06
8 92 $ 2,086,509.63 $ 24,547.17 $ 975,398.52
8 93 $ 2,075,550.10 $ 24,134.30 $ 964,438.99
8 94 $ 2,064,590.56 $ 23,730.93 $ 953,479.45
8 95 $ 2,053,631.03 $ 23,336.72 $ 942,519.92
8 96 $ 2,042,671.50 $ 22,951.37 $ 931,560.39
9 97 $ 2,031,711.96 $ 22,574.58 $ 920,600.85
9 98 $ 2,020,752.43 $ 22,206.07 $ 909,641.32
9 99 $ 2,009,792.89 $ 21,845.57 $ 898,681.78
9 100 $ 1,998,833.36 $ 21,492.83 $ 887,722.25
9 101 $ 1,987,873.83 $ 21,147.59 $ 876,762.72
9 102 $ 1,976,914.29 $ 20,809.62 $ 865,803.18
9 103 $ 1,965,954.76 $ 20,478.70 $ 854,843.65
9 104 $ 1,954,995.23 $ 20,154.59 $ 843,884.11
9 105 $ 1,944,035.69 $ 19,837.10 $ 832,924.58
9 106 $ 1,933,076.16 $ 19,526.02 $ 821,965.05
9 107 $ 1,922,116.62 $ 19,221.17 $ 811,005.51
9 108 $ 1,911,157.09 $ 18,922.35 $ 800,045.98
10 109 $ 1,900,197.56 $ 18,629.39 $ 789,086.44
10 110 $ 1,889,238.02 $ 18,342.12 $ 778,126.91
10 111 $ 1,878,278.49 $ 18,060.37 $ 767,167.38
10 112 $ 1,867,318.95 $ 17,783.99 $ 756,207.84
10 113 $ 1,856,359.42 $ 17,512.82 $ 745,248.31
10 114 $ 1,845,399.89 $ 17,246.73 $ 734,288.77
10 115 $ 1,834,440.35 $ 16,985.56 $ 723,329.24
10 116 $ 1,823,480.82 $ 16,729.18 $ 712,369.71
10 117 $ 1,812,521.28 $ 16,477.47 $ 701,410.17
10 118 $ 1,801,561.75 $ 16,230.29 $ 690,450.64
10 119 $ 1,790,602.22 $ 15,987.52 $ 679,491.10
10 120 $ 1,779,642.68 $ 15,749.05 $ 668,531.57
11 121 $ 1,768,683.15 $ 15,514.76 $ 657,572.04
11 122 $ 1,757,723.61 $ 15,284.55 $ 646,612.50
11 123 $ 1,746,764.08 $ 15,058.31 $ 635,652.97
11 124 $ 1,735,804.55 $ 14,835.94 $ 624,693.44
11 125 $ 1,724,845.01 $ 14,617.33 $ 613,733.90
11 126 $ 1,713,885.48 $ 14,402.40 $ 602,774.37
11 127 $ 1,702,925.94 $ 14,191.05 $ 591,814.83
11 128 $ 1,691,966.41 $ 13,983.19 $ 580,855.30
11 129 $ 1,681,006.88 $ 13,778.74 $ 569,895.77
11 130 $ 1,670,047.34 $ 13,577.62 $ 558,936.23
11 131 $ 1,659,087.81 $ 13,379.74 $ 547,976.70
11 132 $ 1,648,128.27 $ 13,185.03 $ 537,017.16
12 133 $ 1,637,168.74 $ 12,993.40 $ 526,057.63
12 134 $ 1,626,209.21 $ 12,804.80 $ 515,098.10
12 135 $ 1,615,249.67 $ 12,619.14 $ 504,138.56
12 136 $ 1,604,290.14 $ 12,436.36 $ 493,179.03
12 137 $ 1,593,330.60 $ 12,256.39 $ 482,219.49
12 138 $ 1,582,371.07 $ 12,079.17 $ 471,259.96
12 139 $ 1,571,411.54 $ 11,904.63 $ 460,300.43
12 140 $ 1,560,452.00 $ 11,732.72 $ 449,340.89
12 141 $ 1,549,492.47 $ 11,563.38 $ 438,381.36
12 142 $ 1,538,532.94 $ 11,396.54 $ 427,421.82
12 143 $ 1,527,573.40 $ 11,232.16 $ 416,462.29
12 144 $ 1,516,613.87 $ 11,070.17 $ 405,502.76
13 145 $ 1,505,654.33 $ 10,910.54 $ 394,543.22
13 146 $ 1,494,694.80 $ 10,753.20 $ 383,583.69
13 147 $ 1,483,735.27 $ 10,598.11 $ 372,624.15
13 148 $ 1,472,775.73 $ 10,445.22 $ 361,664.62
13 149 $ 1,461,816.20 $ 10,294.48 $ 350,705.09
13 150 $ 1,450,856.66 $ 10,145.85 $ 339,745.55
13 151 $ 1,439,897.13 $ 9,999.29 $ 328,786.02
13 152 $ 1,428,937.60 $ 9,854.74 $ 317,826.48
13 153 $ 1,417,978.06 $ 9,712.18 $ 306,866.95
13 154 $ 1,407,018.53 $ 9,571.55 $ 295,907.42
13 155 $ 1,396,058.99 $ 9,432.83 $ 284,947.88
13 156 $ 1,385,099.46 $ 9,295.97 $ 273,988.35
14 157 $ 1,374,139.93 $ 9,160.93 $ 263,028.81
14 158 $ 1,363,180.39 $ 9,027.68 $ 252,069.28
14 159 $ 1,352,220.86 $ 8,896.19 $ 241,109.75
14 160 $ 1,341,261.32 $ 8,766.41 $ 230,150.21
14 161 $ 1,330,301.79 $ 8,638.32 $ 219,190.68
14 162 $ 1,319,342.26 $ 8,511.89 $ 208,231.15
14 163 $ 1,308,382.72 $ 8,387.07 $ 197,271.61
14 164 $ 1,297,423.19 $ 8,263.84 $ 186,312.08
14 165 $ 1,286,463.65 $ 8,142.18 $ 175,352.54
14 166 $ 1,275,504.12 $ 8,022.04 $ 164,393.01
14 167 $ 1,264,544.59 $ 7,903.40 $ 153,433.48
14 168 $ 1,253,585.05 $ 7,786.24 $ 142,473.94
15 169 $ 1,242,625.52 $ 7,670.53 $ 131,514.41
15 170 $ 1,231,665.98 $ 7,556.23 $ 120,554.87
15 171 $ 1,220,706.45 $ 7,443.33 $ 109,595.34
15 172 $ 1,209,746.92 $ 7,331.80 $ 98,635.81
15 173 $ 1,198,787.38 $ 7,221.61 $ 87,676.27
15 174 $ 1,187,827.85 $ 7,112.74 $ 76,716.74
15 175 $ 1,176,868.31 $ 7,005.17 $ 65,757.20
15 176 $ 1,165,908.78 $ 6,898.87 $ 54,797.67
15 177 $ 1,154,949.25 $ 6,793.82 $ 43,838.14
15 178 $ 1,143,989.71 $ 6,690.00 $ 32,878.60
15 179 $ 1,133,030.18 $ 6,587.38 $ 21,919.07
15 180 $ 1,122,070.65 $ 6,485.96 $ 10,959.53
 Para el ejercicio anterior, calcule el valor de la primera
TASAS cuota en UVR si se aplica el sistema de abono constante a
0.0098635805532 capital en UVR (sistema 2)
0.0098635805532

Abono capital Saldo

$ 200,000,000
$ 1,111,111.111 $ 198,888,888.889
$ 1,111,111.111 $ 197,777,777.778
$ 1,111,111.111 $ 196,666,666.667
$ 1,111,111.111 $ 195,555,555.556
$ 1,111,111.111 $ 194,444,444.444
$ 1,111,111.111 $ 193,333,333.333
$ 1,111,111.111 $ 192,222,222.222
$ 1,111,111.111 $ 191,111,111.111
$ 1,111,111.111 $ 190,000,000.000
$ 1,111,111.111 $ 188,888,888.889
$ 1,111,111.111 $ 187,777,777.778
$ 1,111,111.111 $ 186,666,666.667
$ 1,111,111.111 $ 185,555,555.556
$ 1,111,111.111 $ 184,444,444.444
$ 1,111,111.111 $ 183,333,333.333
$ 1,111,111.111 $ 182,222,222.222
$ 1,111,111.111 $ 181,111,111.111
$ 1,111,111.111 $ 180,000,000.000
$ 1,111,111.111 $ 178,888,888.889
$ 1,111,111.111 $ 177,777,777.778
$ 1,111,111.111 $ 176,666,666.667
$ 1,111,111.111 $ 175,555,555.556
$ 1,111,111.111 $ 174,444,444.444
$ 1,111,111.111 $ 173,333,333.333
$ 1,111,111.111 $ 172,222,222.222
$ 1,111,111.111 $ 171,111,111.111
$ 1,111,111.111 $ 170,000,000.000
$ 1,111,111.111 $ 168,888,888.889
$ 1,111,111.111 $ 167,777,777.778
$ 1,111,111.111 $ 166,666,666.667
$ 1,111,111.111 $ 165,555,555.556
$ 1,111,111.111 $ 164,444,444.444
$ 1,111,111.111 $ 163,333,333.333
$ 1,111,111.111 $ 162,222,222.222
$ 1,111,111.111 $ 161,111,111.111
$ 1,111,111.111 $ 160,000,000.000
$ 1,111,111.111 $ 158,888,888.889
$ 1,111,111.111 $ 157,777,777.778
$ 1,111,111.111 $ 156,666,666.667
$ 1,111,111.111 $ 155,555,555.556
$ 1,111,111.111 $ 154,444,444.444
$ 1,111,111.111 $ 153,333,333.333
$ 1,111,111.111 $ 152,222,222.222
$ 1,111,111.111 $ 151,111,111.111
$ 1,111,111.111 $ 150,000,000.000
$ 1,111,111.111 $ 148,888,888.889
$ 1,111,111.111 $ 147,777,777.778
$ 1,111,111.111 $ 146,666,666.667
$ 1,111,111.111 $ 145,555,555.556
$ 1,111,111.111 $ 144,444,444.444
$ 1,111,111.111 $ 143,333,333.333
$ 1,111,111.111 $ 142,222,222.222
$ 1,111,111.111 $ 141,111,111.111
$ 1,111,111.111 $ 140,000,000.000
$ 1,111,111.111 $ 138,888,888.889
$ 1,111,111.111 $ 137,777,777.778
$ 1,111,111.111 $ 136,666,666.667
$ 1,111,111.111 $ 135,555,555.556
$ 1,111,111.111 $ 134,444,444.444
$ 1,111,111.111 $ 133,333,333.333
$ 1,111,111.111 $ 132,222,222.222
$ 1,111,111.111 $ 131,111,111.111
$ 1,111,111.111 $ 130,000,000.000
$ 1,111,111.111 $ 128,888,888.889
$ 1,111,111.111 $ 127,777,777.778
$ 1,111,111.111 $ 126,666,666.667
$ 1,111,111.111 $ 125,555,555.556
$ 1,111,111.111 $ 124,444,444.444
$ 1,111,111.111 $ 123,333,333.333
$ 1,111,111.111 $ 122,222,222.222
$ 1,111,111.111 $ 121,111,111.111
$ 1,111,111.111 $ 120,000,000.000
$ 1,111,111.111 $ 118,888,888.889
$ 1,111,111.111 $ 117,777,777.778
$ 1,111,111.111 $ 116,666,666.667
$ 1,111,111.111 $ 115,555,555.556
$ 1,111,111.111 $ 114,444,444.444
$ 1,111,111.111 $ 113,333,333.333
$ 1,111,111.111 $ 112,222,222.222
$ 1,111,111.111 $ 111,111,111.111
$ 1,111,111.111 $ 110,000,000.000
$ 1,111,111.111 $ 108,888,888.889
$ 1,111,111.111 $ 107,777,777.778
$ 1,111,111.111 $ 106,666,666.667
$ 1,111,111.111 $ 105,555,555.556
$ 1,111,111.111 $ 104,444,444.444
$ 1,111,111.111 $ 103,333,333.333
$ 1,111,111.111 $ 102,222,222.222
$ 1,111,111.111 $ 101,111,111.111
$ 1,111,111.111 $ 100,000,000.000
$ 1,111,111.111 $ 98,888,888.889
$ 1,111,111.111 $ 97,777,777.778
$ 1,111,111.111 $ 96,666,666.667
$ 1,111,111.111 $ 95,555,555.556
$ 1,111,111.111 $ 94,444,444.444
$ 1,111,111.111 $ 93,333,333.333
$ 1,111,111.111 $ 92,222,222.222
$ 1,111,111.111 $ 91,111,111.111
$ 1,111,111.111 $ 90,000,000.000
$ 1,111,111.111 $ 88,888,888.889
$ 1,111,111.111 $ 87,777,777.778
$ 1,111,111.111 $ 86,666,666.667
$ 1,111,111.111 $ 85,555,555.556
$ 1,111,111.111 $ 84,444,444.444
$ 1,111,111.111 $ 83,333,333.333
$ 1,111,111.111 $ 82,222,222.222
$ 1,111,111.111 $ 81,111,111.111
$ 1,111,111.111 $ 80,000,000.000
$ 1,111,111.111 $ 78,888,888.889
$ 1,111,111.111 $ 77,777,777.778
$ 1,111,111.111 $ 76,666,666.667
$ 1,111,111.111 $ 75,555,555.556
$ 1,111,111.111 $ 74,444,444.444
$ 1,111,111.111 $ 73,333,333.333
$ 1,111,111.111 $ 72,222,222.222
$ 1,111,111.111 $ 71,111,111.111
$ 1,111,111.111 $ 70,000,000.000
$ 1,111,111.111 $ 68,888,888.889
$ 1,111,111.111 $ 67,777,777.778
$ 1,111,111.111 $ 66,666,666.667
$ 1,111,111.111 $ 65,555,555.556
$ 1,111,111.111 $ 64,444,444.444
$ 1,111,111.111 $ 63,333,333.333
$ 1,111,111.111 $ 62,222,222.222
$ 1,111,111.111 $ 61,111,111.111
$ 1,111,111.111 $ 60,000,000.000
$ 1,111,111.111 $ 58,888,888.889
$ 1,111,111.111 $ 57,777,777.778
$ 1,111,111.111 $ 56,666,666.667
$ 1,111,111.111 $ 55,555,555.556
$ 1,111,111.111 $ 54,444,444.444
$ 1,111,111.111 $ 53,333,333.333
$ 1,111,111.111 $ 52,222,222.222
$ 1,111,111.111 $ 51,111,111.111
$ 1,111,111.111 $ 50,000,000.000
$ 1,111,111.111 $ 48,888,888.889
$ 1,111,111.111 $ 47,777,777.778
$ 1,111,111.111 $ 46,666,666.667
$ 1,111,111.111 $ 45,555,555.556
$ 1,111,111.111 $ 44,444,444.444
$ 1,111,111.111 $ 43,333,333.333
$ 1,111,111.111 $ 42,222,222.222
$ 1,111,111.111 $ 41,111,111.111
$ 1,111,111.111 $ 40,000,000.000
$ 1,111,111.111 $ 38,888,888.889
$ 1,111,111.111 $ 37,777,777.778
$ 1,111,111.111 $ 36,666,666.667
$ 1,111,111.111 $ 35,555,555.556
$ 1,111,111.111 $ 34,444,444.444
$ 1,111,111.111 $ 33,333,333.333
$ 1,111,111.111 $ 32,222,222.222
$ 1,111,111.111 $ 31,111,111.111
$ 1,111,111.111 $ 30,000,000.000
$ 1,111,111.111 $ 28,888,888.889
$ 1,111,111.111 $ 27,777,777.778
$ 1,111,111.111 $ 26,666,666.667
$ 1,111,111.111 $ 25,555,555.556
$ 1,111,111.111 $ 24,444,444.444
$ 1,111,111.111 $ 23,333,333.333
$ 1,111,111.111 $ 22,222,222.222
$ 1,111,111.111 $ 21,111,111.111
$ 1,111,111.111 $ 20,000,000.000
$ 1,111,111.111 $ 18,888,888.889
$ 1,111,111.111 $ 17,777,777.778
$ 1,111,111.111 $ 16,666,666.667
$ 1,111,111.111 $ 15,555,555.556
$ 1,111,111.111 $ 14,444,444.444
$ 1,111,111.111 $ 13,333,333.333
$ 1,111,111.111 $ 12,222,222.222
$ 1,111,111.111 $ 11,111,111.111
$ 1,111,111.111 $ 10,000,000.000
$ 1,111,111.111 $ 8,888,888.889
$ 1,111,111.111 $ 7,777,777.778
$ 1,111,111.111 $ 6,666,666.667
$ 1,111,111.111 $ 5,555,555.556
$ 1,111,111.111 $ 4,444,444.444
$ 1,111,111.111 $ 3,333,333.333
$ 1,111,111.111 $ 2,222,222.222
$ 1,111,111.111 $ 1,111,111.111
$ 1,111,111.111 $ 0.000
 el valor de la primera
ema de abono constante a
Crédito $ 12,000,000 Abono capital
Tasa interes 16 0.16 Interes
1.01244514 Cuota
0.01244514 mensual Valor primera cuota

tiempo en meses 36
seguro $ 9,148.80 1.01244514 0.019425566
gastos generales $ 232 1.560896 0.560895999999998

cuota mensual $ 424,977.97

MES CUOTA INTERES CAPITAL SEGURO GASTOS GENERALES

1 $ 482,675 $ 149,342 $ 333,333 $ 9,148.80 $ 232

2 $ 478,527 $ 145,193 $ 333,333 $ 9,148.80 $ 232
3 $ 474,378 $ 141,045 $ 333,333 $ 9,148.80 $ 232
4 $ 470,230 $ 136,897 $ 333,333 $ 9,148.80 $ 232
5 $ 466,081 $ 132,748 $ 333,333 $ 9,148.80 $ 232
6 $ 461,933 $ 128,600 $ 333,333 $ 9,148.80 $ 232
7 $ 457,785 $ 124,451 $ 333,333 $ 9,148.80 $ 232
8 $ 453,636 $ 120,303 $ 333,333 $ 9,148.80 $ 232
9 $ 449,488 $ 116,155 $ 333,333 $ 9,148.80 $ 232
10 $ 445,340 $ 112,006 $ 333,333 $ 9,148.80 $ 232
11 $ 441,191 $ 107,858 $ 333,333 $ 9,148.80 $ 232
12 $ 437,043 $ 103,709 $ 333,333 $ 9,148.80 $ 232
13 $ 432,894 $ 99,561 $ 333,333 $ 9,148.80 $ 232
14 $ 428,746 $ 95,413 $ 333,333 $ 9,148.80 $ 232
15 $ 424,598 $ 91,264 $ 333,333 $ 9,148.80 $ 232
16 $ 420,449 $ 87,116 $ 333,333 $ 9,148.80 $ 232
17 $ 416,301 $ 82,968 $ 333,333 $ 9,148.80 $ 232
18 $ 412,153 $ 78,819 $ 333,333 $ 9,148.80 $ 232
19 $ 408,004 $ 74,671 $ 333,333 $ 9,148.80 $ 232
20 $ 403,856 $ 70,522 $ 333,333 $ 9,148.80 $ 232
21 $ 399,707 $ 66,374 $ 333,333 $ 9,148.80 $ 232
22 $ 395,559 $ 62,226 $ 333,333 $ 9,148.80 $ 232
23 $ 391,411 $ 58,077 $ 333,333 $ 9,148.80 $ 232
24 $ 387,262 $ 53,929 $ 333,333 $ 9,148.80 $ 232
25 $ 383,114 $ 49,781 $ 333,333 $ 9,148.80 $ 232
26 $ 378,966 $ 45,632 $ 333,333 $ 9,148.80 $ 232
27 $ 374,817 $ 41,484 $ 333,333 $ 9,148.80 $ 232
28 $ 370,669 $ 37,335 $ 333,333 $ 9,148.80 $ 232
29 $ 366,520 $ 33,187 $ 333,333 $ 9,148.80 $ 232
30 $ 362,372 $ 29,039 $ 333,333 $ 9,148.80 $ 232
31 $ 358,224 $ 24,890 $ 333,333 $ 9,148.80 $ 232
32 $ 354,075 $ 20,742 $ 333,333 $ 9,148.80 $ 232
33 $ 349,927 $ 16,594 $ 333,333 $ 9,148.80 $ 232
34 $ 345,778 $ 12,445 $ 333,333 $ 9,148.80 $ 232
35 $ 341,630 $ 8,297 $ 333,333 $ 9,148.80 $ 232
36 $ 337,482 $ 4,148 $ 333,333 $ 9,148.80 $ 232
$ 333,333
$ 149,342
$ 482,675
$ 492,055.8
Para el ejercicio anterior, calcule el valor de la
primera cuota si se utiliza el sistema de abono
constante a capital en pesos , construya la tabla
de amortizacion

0.0346330977548941

$ 415,597

CUOTA AMORTIZACION SALDO

$ 12,000,000
$ 333,333 $ 11,666,667
$ 666,667 $ 11,333,333
$ 1,000,000 $ 11,000,000
$ 1,333,333 $ 10,666,667
$ 1,666,667 $ 10,333,333
$ 2,000,000 $ 10,000,000
$ 2,333,333 $ 9,666,667
$ 2,666,667 $ 9,333,333
$ 3,000,000 $ 9,000,000
$ 3,333,333 $ 8,666,667
$ 3,666,667 $ 8,333,333
$ 4,000,000 $ 8,000,000
$ 4,333,333 $ 7,666,667
$ 4,666,667 $ 7,333,333
$ 5,000,000 $ 7,000,000
$ 5,333,333 $ 6,666,667
$ 5,666,667 $ 6,333,333
$ 6,000,000 $ 6,000,000
$ 6,333,333 $ 5,666,667
$ 6,666,667 $ 5,333,333
$ 7,000,000 $ 5,000,000
$ 7,333,333 $ 4,666,667
$ 7,666,667 $ 4,333,333
$ 8,000,000 $ 4,000,000
$ 8,333,333 $ 3,666,667
$ 8,666,667 $ 3,333,333
$ 9,000,000 $ 3,000,000
$ 9,333,333 $ 2,666,667
$ 9,666,667 $ 2,333,333
$ 10,000,000 $ 2,000,000
$ 10,333,333 $ 1,666,667
$ 10,666,667 $ 1,333,333
$ 11,000,000 $ 1,000,000
$ 11,333,333 $ 666,667
$ 11,666,667 $ 333,333
$ 12,000,000 $ -
or, calcule el valor de la
liza el sistema de abono
pesos , construya la tabla
Crédito $ 12,000,000 seguro
gastos generales
Tasa interes 16 0.16 EA
1.012445138
0.012445138 Mensual

1.012445138 0.019425566 0.0346331

1.560896 0.560896

valor cuota mensual $ 424,977.97

Meses Cuota Interes Capital Seguro Gastos generales

1 $ 424,977.97 $ 149,342 $ 275,636.32 $ 9,148.80 $ 232

2 $ 424,977.97 $ 145,193 $ 279,784.70 $ 9,148.80 $ 232
3 $ 424,977.97 $ 141,045 $ 283,933.08 $ 9,148.80 $ 232
4 $ 424,977.97 $ 136,897 $ 288,081.46 $ 9,148.80 $ 232
5 $ 424,977.97 $ 132,748 $ 292,229.84 $ 9,148.80 $ 232
6 $ 424,977.97 $ 128,600 $ 296,378.21 $ 9,148.80 $ 232
7 $ 424,977.97 $ 124,451 $ 300,526.59 $ 9,148.80 $ 232
8 $ 424,977.97 $ 120,303 $ 304,674.97 $ 9,148.80 $ 232
9 $ 424,977.97 $ 116,155 $ 308,823.35 $ 9,148.80 $ 232
10 $ 424,977.97 $ 112,006 $ 312,971.73 $ 9,148.80 $ 232
11 $ 424,977.97 $ 107,858 $ 317,120.11 $ 9,148.80 $ 232
12 $ 424,977.97 $ 103,709 $ 321,268.49 $ 9,148.80 $ 232
13 $ 424,977.97 $ 99,561 $ 325,416.87 $ 9,148.80 $ 232
14 $ 424,977.97 $ 95,413 $ 329,565.25 $ 9,148.80 $ 232
15 $ 424,977.97 $ 91,264 $ 333,713.63 $ 9,148.80 $ 232
16 $ 424,977.97 $ 87,116 $ 337,862.01 $ 9,148.80 $ 232
17 $ 424,977.97 $ 82,968 $ 342,010.39 $ 9,148.80 $ 232
18 $ 424,977.97 $ 78,819 $ 346,158.77 $ 9,148.80 $ 232
19 $ 424,977.97 $ 74,671 $ 350,307.15 $ 9,148.80 $ 232
20 $ 424,977.97 $ 70,522 $ 354,455.52 $ 9,148.80 $ 232
21 $ 424,977.97 $ 66,374 $ 358,603.90 $ 9,148.80 $ 232
22 $ 424,977.97 $ 62,226 $ 362,752.28 $ 9,148.80 $ 232
23 $ 424,977.97 $ 58,077 $ 366,900.66 $ 9,148.80 $ 232
24 $ 424,977.97 $ 53,929 $ 371,049.04 $ 9,148.80 $ 232
25 $ 424,977.97 $ 49,781 $ 375,197.42 $ 9,148.80 $ 232
26 $ 424,977.97 $ 45,632 $ 379,345.80 $ 9,148.80 $ 232
27 $ 424,977.97 $ 41,484 $ 383,494.18 $ 9,148.80 $ 232
28 $ 424,977.97 $ 37,335 $ 387,642.56 $ 9,148.80 $ 232
29 $ 424,977.97 $ 33,187 $ 391,790.94 $ 9,148.80 $ 232
30 $ 424,977.97 $ 29,039 $ 395,939.32 $ 9,148.80 $ 232
31 $ 424,977.97 $ 24,890 $ 400,087.70 $ 9,148.80 $ 232
32 $ 424,977.97 $ 20,742 $ 404,236.08 $ 9,148.80 $ 232
33 $ 424,977.97 $ 16,594 $ 408,384.46 $ 9,148.80 $ 232
34 $ 424,977.97 $ 12,445 $ 412,532.84 $ 9,148.80 $ 232
35 $ 424,977.97 $ 8,297 $ 416,681.21 $ 9,148.80 $ 232
36 $ 424,977.97 $ 4,148 $ 420,829.59 $ 9,148.80 $ 232
$ 9,148.80
$ 232
Un credito bancario de $ 12.000.000 a una tasa de
interes del 16% efectiva anual se va a amortizar con 36
cuotas mensuales iguales. calcular el valor de la cuota
mensual si se cobra por concepto de seguro $
9.148,80 /mes y por gastos generales $ 232 /mes.
$ 415,597 construya la tabla de amortizacion.

Cuota amortizacion Saldo

$ 12,000,000
$ 333,333.33 $ 11,666,666.67
$ 333,333.33 $ 11,333,333.33
$ 333,333.33 $ 11,000,000.00
$ 333,333.33 $ 10,666,666.67
$ 333,333.33 $ 10,333,333.33
$ 333,333.33 $ 10,000,000.00
$ 333,333.33 $ 9,666,666.67
$ 333,333.33 $ 9,333,333.33
$ 333,333.33 $ 9,000,000.00
$ 333,333.33 $ 8,666,666.67
$ 333,333.33 $ 8,333,333.33
$ 333,333.33 $ 8,000,000.00
$ 333,333.33 $ 7,666,666.67
$ 333,333.33 $ 7,333,333.33
$ 333,333.33 $ 7,000,000.00
$ 333,333.33 $ 6,666,666.67
$ 333,333.33 $ 6,333,333.33
$ 333,333.33 $ 6,000,000.00
$ 333,333.33 $ 5,666,666.67
$ 333,333.33 $ 5,333,333.33
$ 333,333.33 $ 5,000,000.00
$ 333,333.33 $ 4,666,666.67
$ 333,333.33 $ 4,333,333.33
$ 333,333.33 $ 4,000,000.00
$ 333,333.33 $ 3,666,666.67
$ 333,333.33 $ 3,333,333.33
$ 333,333.33 $ 3,000,000.00
$ 333,333.33 $ 2,666,666.67
$ 333,333.33 $ 2,333,333.33
$ 333,333.33 $ 2,000,000.00
$ 333,333.33 $ 1,666,666.67
$ 333,333.33 $ 1,333,333.33
$ 333,333.33 $ 1,000,000.00
$ 333,333.33 $ 666,666.67
$ 333,333.33 $ 333,333.33
$ 333,333.33 -$ 0.00
una tasa de
mortizar con 36
lor de la cuota
guro $
232 /mes.
Crédito $ 25,000,000
Tiempo 12 meses A la familia Garcia le otorgan un cre
25.000.000 a una tasa de interes d
intereses mensuales en forma antic
abono capital $ 2,083,333 año, para amortizarlo por medio de
tasa interes 30 0.3 0.025 a capital. Calcular de la primera y u
saldo $ 22,916,667 tabla de amortizacion.

PERIODO CUOTA INTERES ABONO CAPITAL SALDO

0 $ 2,708,333 $ 625,000 $ 2,083,333 $ 22,916,667
1 $ 2,656,250 $ 572,917 $ 2,083,333 $ 20,833,333
2 $ 2,604,167 $ 520,833 $ 2,083,333 $ 18,750,000
3 $ 2,552,083 $ 468,750 $ 2,083,333 $ 16,666,667
4 $ 2,500,000 $ 416,667 $ 2,083,333 $ 14,583,333
5 $ 2,447,917 $ 364,583 $ 2,083,333 $ 12,500,000
6 $ 2,395,833 $ 312,500 $ 2,083,333 $ 10,416,667
7 $ 2,343,750 $ 260,417 $ 2,083,333 $ 8,333,333
8 $ 2,291,667 $ 208,333 $ 2,083,333 $ 6,250,000
9 $ 2,239,583 $ 156,250 $ 2,083,333 $ 4,166,667
10 $ 2,187,500 $ 104,167 $ 2,083,333 $ 2,083,333
11 $ 2,135,417 $ 52,083 $ 2,083,333 $ -
milia Garcia le otorgan un credito bancario de $
.000 a una tasa de interes del 30% MA (con liquidacion de
es mensuales en forma anticipada) con un plazo de un
ara amortizarlo por medio del sistema de abono constante
al. Calcular de la primera y ultima cuota y construya la
e amortizacion.
Credito $ 25,000,000
Tiempo 1 año 12 meses Para el ejercicio
Tasa interes 30 MV 0.3 0.025 interes es del 30
intereses mensua
Abono capital $ 2,083,333 de la primera y u

AÑO PERIODO CUOTA INTERES ABONO CAPITAL SALDO

0 0 $ 25,000,000
1 1 $2,708,333 $ 625,000 $ 2,083,333 $ 22,916,667
1 2 $2,656,250 $ 572,917 $ 2,083,333 $ 20,833,333
1 3 $2,604,167 $ 520,833 $ 2,083,333 $ 18,750,000
1 4 $2,552,083 $ 468,750 $ 2,083,333 $ 16,666,667
1 5 $2,500,000 $ 416,667 $ 2,083,333 $ 14,583,333
1 6 $2,447,917 $ 364,583 $ 2,083,333 $ 12,500,000
1 7 $2,395,833 $ 312,500 $ 2,083,333 $ 10,416,667
1 8 $2,343,750 $ 260,417 $ 2,083,333 $ 8,333,333
1 9 $2,291,667 $ 208,333 $ 2,083,333 $ 6,250,000
1 10 $2,239,583 $ 156,250 $ 2,083,333 $ 4,166,667
1 11 $2,187,500 $ 104,167 $ 2,083,333 $ 2,083,333
1 12 $2,135,417 $ 52,083 $ 2,083,333 $ -
Para el ejercicio anterior asuma que la tasa de
interes es del 30% MV (con liquidacion de
intereses mensuales vencidos). Calcular el valor
de la primera y ultima cuota.
 Se aprueba un credito bancario po
Prestamo $ 20,000,000
EA, con un plazo de 6 meses para
Tiempo 6 mensuales iguales y una ultima cu
Tasa interes DTF EF AN 8 0.08 desembolso del credito es del 4,50
4.5 0.045 que cada mes, al momento de calc
se incremente en un 0,02% calcula
i1 0.125 0.00986358 a) valor de las primeras 5 cuotas m
i2 0.1286 0.01013248 b) valor de la cuota de ajuste paga
c) construya la tabla de amortizaci
cuota $3,452,538.71
incremento 0.02 0.0002 $ 4,000

PERIODO CUOTA INTERES ABONO CAPITAL SALDO

0 $ 20,000,000
1 $3,452,538.71 $ 202,650 $3,249,889.04 $ 16,750,110.96
2 $3,452,538.71 $ 169,720 $3,282,818.49 $ 13,467,292.47
3 $3,452,538.71 $ 136,457 $3,316,081.59 $ 10,151,210.88
4 $3,452,538.71 $ 102,857 $3,349,681.73 $ 6,801,529.15
5 $3,452,538.71 $ 68,916 $3,383,622.33 $ 3,417,906.82
6 $3,476,538.71 $34,631.88 $3,417,906.82 $ -
eba un credito bancario por $ 20.000.000 a la DTF + 8%
un plazo de 6 meses para amortizarlo por medio de cuotas
es iguales y una ultima cuota de ajuste. La DTF el dia del
olso del credito es del 4,50% efectiva anual y se espera
a mes, al momento de calcular la cuota del credito, la DTF
mente en un 0,02% calcular:
de las primeras 5 cuotas mensuales
de la cuota de ajuste pagadera en el mes 6
ruya la tabla de amortizacion
Prestamo $ 20,000,000
Tiempo 6 meses
Tasa
abono capital $ 3,333,333

DTF EF AN 8 0.08
4.5 0.045

interes 1 0.125 0.0098635806

interes 2 0.1286 0.0101324833

PERIODO CUOTA INTERES ABONO CAPITAL SALDO

0 $ 20,000,000
Resuelva el ejercicio anterior utiliza
1 $ 3,535,983 $ 202,650 $ 3,333,333 $ 16,666,667 amortizacion de abono constante a
2 $ 3,502,208 $ 168,875 $ 3,333,333 $ 13,333,333 a) valor primer cuota
3 $ 3,468,433 $ 135,100 $ 3,333,333 $ 10,000,000 b)valor ultima cuota
4 $ 3,434,658 $ 101,325 $ 3,333,333 $ 6,666,667 c) tabla amortizacion
5 $ 3,400,883 $ 67,550 $ 3,333,333 $ 3,333,333
6 $ 3,367,108 $ 33,775 $ 3,333,333 $ -
a el ejercicio anterior utilizando el sistema de
acion de abono constante a capital, calcular:
primer cuota
ultima cuota
amortizacion
 El banco de occidente le aprueba a Juan David un credito por valor de $
50.000.000 con un plazo de un año y una tasa de interes de financiacion del 20%
TV (con loquidacion de interes trimestrales vencidos) y le plantea dos formas de
pago:
a) con cuotas trimestrales iguales ( sistema cuota fija)
b) con cuotas trimestrales y abonos constantes a capital ( sistema de abono
constante a capital)

Crédito $ 50,000,000
Tasa interes 20 0.2 0.05 mensual

1.21550625 0.0607753125 0.282011832603

0.21550625 0.21550625
0.0607753125

Cuota $ 14,100,592
$ 4,166,667
Cuota amortización $ 4,166,667

20 0.2
0.05 mensual
 $
del 20%
rmas de

no PUNTO A METODO FRANCES

MES CUOTA INTERES CAPITAL CUOTA AMORTIZACION
0
1 $ 14,100,592 $2,500,000 $ 11,600,592 $ 4,166,667
2 $ 14,100,592 $2,291,667 $ 11,808,925 $ 4,166,667
3 $ 14,100,592 $2,083,333 $ 12,017,258 $ 4,166,667
4 $ 14,100,592 $1,875,000 $ 12,225,592 $ 4,166,667
5 $ 14,100,592 $1,666,667 $ 12,433,925 $ 4,166,667
6 $ 14,100,592 $1,458,333 $ 12,642,258 $ 4,166,667
7 $ 14,100,592 $1,250,000 $ 12,850,592 $ 4,166,667
8 $ 14,100,592 $1,041,667 $ 13,058,925 $ 4,166,667
9 $ 14,100,592 $ 833,333 $ 13,267,258 $ 4,166,667
10 $ 14,100,592 $ 625,000 $ 13,475,592 $ 4,166,667
11 $ 14,100,592 $ 416,667 $ 13,683,925 $ 4,166,667
12 $ 14,100,592 $ 208,333 $ 13,892,258 $ 4,166,667

PUNTO B METODO ALEMAN

mes cuota interes capital saldo
$ 50,000,000
1 $ 6,666,667 $2,500,000 $ 4,166,667 $ 45,833,333
2 $ 4,166,667 $2,291,667 $ 4,166,667 $ 41,666,667
3 $ 4,166,667 $2,083,333 $ 4,166,667 $ 37,500,000
4 $ 4,166,667 $1,875,000 $ 4,166,667 $ 33,333,333
5 $ 4,166,667 $1,666,667 $ 4,166,667 $ 29,166,667
6 $ 4,166,667 $1,458,333 $ 4,166,667 $ 25,000,000
7 $ 4,166,667 $1,250,000 $ 4,166,667 $ 20,833,333
8 $ 4,166,667 $1,041,667 $ 4,166,667 $ 16,666,667
9 $ 4,166,667 $ 833,333 $ 4,166,667 $ 12,500,000
10 $ 4,166,667 $ 625,000 $ 4,166,667 $ 8,333,333
11 $ 4,166,667 $ 416,667 $ 4,166,667 $ 4,166,667
12 $ 4,166,667 $ 208,333 $ 4,166,667 $ -
 SALDO
$ 50,000,000
$ 45,833,333
$ 41,666,667
$ 37,500,000
$ 33,333,333
$ 29,166,667
$ 25,000,000
$ 20,833,333
$ 16,666,667
$ 12,500,000
$ 8,333,333
$ 4,166,667
$ -