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1( 1+0,10 )4
1( 1+ 0,10 )4
1( 1+ 0,10 )2
2
6
1.000.000=121.000
( 1+ 0,10 ) + R
( 1+ 0,10 ) +200.00
( 1
0,10
0,10
0,10
1.000.000 121.000
VP=
VP=
1 (1+ 0,10 )
0,10
2
( 1+0,10 ) +200.00
1( 1+0,10 )
0,10
( 1+0,10 )
1( 1+0,10 )
0,10
(1+ 0,10 )
504.892,4556
1,789306406
VP=282.172,1612
N
Saldo
Inters
Pago
Abono
Capital
0
1
2
3
4
5
6
7
8
9
1
0
$1.000.000
$1.100.000
$1.210.000
$1.210.000
$1.210.000
$1.210.000
$1.210.000
$1.048.828
$671.537
$256.517
$6
$100.000
$110.000
$121.000
$121.000
$121.000
$121.000
$121.000
$104.883
$67.154
$25.652
$0
$0
$121.000
$121.000
$121.000
$121.000
$282.172
$482.173
$482.174
$282.175
$100.000
$110.000
$0
$0
$0
$0
$161.172
$377.290
$415.020
$256.523
6- elabore una tabla de amortizacin para la suma de $300.000 bajo las siguientes
condiciones:
a- nmero de pagos ordinarios 5
b- plazo de gracia muerto 1 periodo
c- plazo de gracia a inters 3 periodos
d- cuotas extraordinarias 2, la primera de $35.000 en el periodo 3 y la segunda de
$50.000 en el periodo 5
e- tasa del 8% efectiva para el periodo
i=25.920
300.000=25.920
{ [
300.000 25.920
VP=
VP=
1( 1+0,08 )3
1 (1+ 0,08 )5
( 1+ 0,08 )1+ R
( 1+0,08 )4 +35.000( 1+0,08 )7 +5
0,08
0,08
3
1( 1+ 0,08 )
0,08
1
7
9
( 1+0,08 ) +35.000( 1+ 0,08 ) +50.000( 1+0,08 )
5
1( 1+ 0,08 )
0,08
( 1+0,08 )
192.715,0601
2,934761071
VP=65.666,35424
N
0
1
2
3
4
5
6
Saldo
Inters
Pago
Abono
Cap.
$300.000
$324.000
$324.000
$324.000
$324.000
$284.254
$241.327
$24.000
$25.920
$25.920
$25.920
$25.920
$22.740
$0
$25.920
$25.920
$25.920
$65.666
$65.667
$24.000
$0
$0
$0
$39.746
$42.927
7
8
9
$159.964
$107.092
$11
$19.306
$12.797
$8.567
$100.668
$65.669
$115.670
$81.362
$52.872
$107.103
Abono=
6.000.000
6
Abono=1.000 .000
i=
0,15
=0,025 CM
6
12
Saldo
Inters
Pago
Abono
Cap.
0
1
$6.000.000
$5.000.000
$461.344
$384.453
$1.461.344
$4.000.000
$307.563
$1.384.453
$3.000.000
$230.672
$1.307.563
$2.000.000
$153.781
$1.230.672
$1.000.000
$76.891
$1.153.781
$0
$0
$1.076.891
$1.000.00
0
$1.000.00
0
$1.000.00
0
$1.000.00
0
$1.000.00
0
$1.000.00
0
8- hallar el valor total de la cuota que debe pagarse al final del periodo 20 en una
amortizacin de $35.000.000 en pagos mensuales durante 4 aos con cobro
anticipado de intereses y abonos constantes a capital mensuales suponiendo una
tasa de inters del2.5% mes
Abono=
35.000 .000
48
Abono=729.166,6667
i=0,025 Mes
i 0=35.000 .0000,025=875.000
Saldo 1=35.000 .000875.000=34.270 .833
i 1=34.270.8330,025=856.771
G=i 0i 1=18.229,1666
i 21=i0 + ( 211 )(18.229,1666 )
i 21=510.416,688
i 21 + Abono=Cuota
510.416,688+729.166,67=1.239 .583,333
N
0
1
Saldo
$35.000.0
00
$34.270.8
Inters
$875.000
$856.771
Pago
$1.585.9
Abono Cap.
$ 729.166,67
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
33
$33.541.6
67
$32.812.5
00
$32.083.3
33
$31.354.1
67
$30.625.0
00
$29.895.8
33
$29.166.6
67
$28.437.5
00
$27.708.3
33
$26.979.1
67
$26.250.0
00
$25.520.8
33
$24.791.6
67
$24.062.5
00
$23.333.3
33
$22.604.1
67
$21.875.0
00
$21.145.8
33
$20.416.6
67
$19.687.5
00
$18.958.3
33
$18.229.1
67
$17.500.0
00
$16.770.8
33
$16.041.6
67
$15.312.5
00
$14.583.3
33
$838.542
$820.312
$802.083
$783.854
$765.625
$747.396
$729.167
$710.937
$692.708
$674.479
$656.250
$638.021
$619.792
$601.562
$583.333
$565.104
$546.875
$528.646
$510.417
$492.187
$473.958
$455.729
$437.500
$419.271
$401.042
$382.812
$364.583
38
$1.567.7
08
$1.549.4
79
$1.531.2
50
$1.513.0
21
$1.494.7
92
$1.476.5
63
$1.458.3
33
$1.440.1
04
$1.421.8
75
$1.403.6
46
$1.385.4
17
$1.367.1
88
$1.348.9
58
$1.330.7
29
$1.312.5
00
$1.294.2
71
$1.276.0
42
$1.257.8
13
$1.239.5
83
$1.221.3
54
$1.203.1
25
$1.184.8
96
$1.166.6
67
$1.148.4
38
$1.130.2
08
$1.111.9
79
$1.093.7
50
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
$13.854.1
67
$13.125.0
00
$12.395.8
33
$11.666.6
67
$10.937.5
00
$10.208.3
33
$9.479.16
7
$8.750.00
0
$8.020.83
3
$7.291.66
7
$6.562.50
0
$5.833.33
3
$5.104.16
7
$4.375.00
0
$3.645.83
3
$2.916.66
7
$2.187.50
0
$1.458.33
3
$729.167
$0
$346.354
$ 729.166,67
$255.208
$1.075.5
21
$1.057.2
92
$1.039.0
63
$1.020.8
33
$1.002.6
04
$984.375
$236.979
$966.146
$ 729.166,67
$218.750
$947.917
$ 729.166,67
$200.521
$929.688
$ 729.166,67
$182.292
$911.458
$ 729.166,67
$164.062
$893.229
$ 729.166,67
$145.833
$875.000
$ 729.166,67
$127.604
$856.771
$ 729.166,67
$109.375
$838.542
$ 729.166,67
$91.146
$820.312
$ 729.166,67
$72.917
$802.083
$ 729.166,67
$54.687
$783.854
$ 729.166,67
$36.458
$765.625
$ 729.166,67
$18.229
$0
$747.396
$729.167
$ 729.166,67
$ 729.166,67
$328.125
$309.896
$291.667
$273.437
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
$ 729.166,67
( 1+ j )n(1+i )n1
VP=R
ji
R=
700.000
R=116.545,5428
R2=R1( 1+ 0,20 )
R2=139.854,6514
N
0
1
2
3
4
5
6
b.
Saldo
Inters
Pago
Abono
Cap.
$700.000
$681.454
$637.003
$558.358
$435.138
$254.388
$0
$98.000
$95.404
$89.180
$78.170
$60.919
$35.614
$116.546
$139.855
$167.826
$201.391
$241.669
$290.003
$18.546
$44.451
$78.645
$123.221
$180.750
$254.388
R1=
6
15.000 1( 1+0,14 )
700.000+
6 ( 1+ 0,14 )6
0,14
0,14
1( 1+ 0,14 )6
0,14
R1=211.837,5712
R2=R1 15.000
R2=196.837,5712
N
0
1
2
3
4
5
6
Saldo
Inters
Pago
Abono
Cap.
$700.000
$586.162
$471.388
$355.544
$238.483
$120.033
$0
$98.000
$82.063
$65.994
$49.776
$33.388
$16.805
$211.838
$196.838
$181.838
$166.838
$151.838
$136.838
$113.838
$114.775
$115.843
$117.061
$118.450
$120.033
10- Se negocia la compra de una casa por valor de $60.000.000, as: cuota inicial 25%
y el saldo con un crdito en las siguientes condiciones: - cuotas semestrales
durante 10 aos, - tasa de inters 6%T CM, - periodo muerto de 3 meses, periodo de gracia a inters de 5 meses, 3 cuotas extras anuales por valor de
$8.000.000 c/u iniciando al final del tercer ao, se pide calcular: a-) el valor de las
cuotas ordinarias, b-) el valor de los intereses y el abono a capital con el pago 13,
14 y 15
Saldo
Inters
Pago
Abono
Cap.
0
1
2
3
4
5
6
7
8
9
1
0
1
1
1
2
1
3
1
4
1
5
1
6
1
7
1
8
1
9
2
0
2
1
2
2
2
3
2
$45.000.00
0
$45.900.00
0
$46.818.00
0
$47.754.36
0
$47.754.36
0
$47.754.36
0
$47.754.36
0
$47.754.36
0
$47.754.36
0
$48.597.26
8
$49.546.52
0
$50.615.53
1
$51.819.41
2
$53.175.17
7
$46.701.98
8
$39.412.12
7
$31.202.55
9
$29.957.25
2
$28.554.83
4
$26.975.48
3
$25.196.87
8
$23.193.88
0
$20.938.17
9
$18.397.89
3
$15.537.11
$900.000
$0
$900.000
$918.000
$0
$918.000
$936.360
$0
$936.360
$955.087
$955.087
$0
$955.087
$955.087
$0
$955.087
$955.087
$0
$955.087
$955.087
$0
$955.087
$955.087
$0
$6.024.8
06
$6.131.1
49
$6.250.9
09
$6.385.7
78
$6.537.6
62
$6.708.7
09
$5.892.0
36
$4.972.3
29
$3.936.5
90
$3.779.4
79
$3.602.5
47
$3.403.2
92
$3.178.8
99
$2.926.1
96
$2.641.6
11
$2.321.1
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
13181897,
35
13181897,
35
13181897,
35
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
$842.908
$949.252
$1.069.01
1
$1.203.88
1
$1.355.76
5
$6.473.18
8
$7.289.86
1
$8.209.56
8
$1.245.30
7
$1.402.41
8
$1.579.35
0
$1.778.60
5
$2.002.99
8
$2.255.70
1
$2.540.28
6
$2.860.77
4
2
5
2
6
2
7
2
8
8
$12.315.42
1
$8.687.267
$4.601.377
$0
23
$1.960.2
00
$1.553.7
43
$1.096.0
07
$580.521
45
5181897,3
45
5181897,3
45
5181897,3
45
5181897,3
45
5
$3.221.69
7
$3.628.15
4
$4.085.89
1
$4.601.37
7