Beruflich Dokumente
Kultur Dokumente
1
2
Saldo
inicial
100000.0
0
120000.0
0
Inters
perodo
Pago
principal
(amortizaci
n)
Valor
cuota
20000.00
0.00
0.00
24000.00
22354.69
97645.31
19529.06
26825.63
70819.68
14163.94
32190.75
38628.93
7725.79
38628.90
46354.6
9
46354.6
9
46354.6
9
46354.6
9
Saldo
final
120000.
00
97645.3
1
70819.6
8
38628.9
3
0.02
Saldo
inicial
Inters
perodo
Pago
principal
(amortizaci
n)
100000.0
0
20000.00
20000.00
80000.00
16000.00
20000.00
60000.00
12000.00
20000.00
40000.00
8000.00
20000.00
20000.00
4000.00
20000.00
Valor
cuota
Saldo
final
40000.0
0
36000.0
0
32000.0
0
28000.0
0
24000.0
0
80000.0
0
60000.0
0
40000.0
0
20000.0
0
0.00
n
1
2
3
4
5
Saldo
inicial
100000.0
0
100000.0
0
100000.0
0
100000.0
0
100000.0
0
Inters
perodo
Pago
principal
(amortizaci
n)
20000.00
0.00
20000.00
0.00
20000.00
0.00
20000.00
0.00
20000.00
100000.00
Valor
cuota
Saldo
final
20000.0
0
20000.0
0
20000.0
0
20000.0
0
120000.
00
100000.
00
100000.
00
100000.
00
100000.
00
Valor
cuota
Saldo
final
33437.9
7
33437.9
7
33437.9
7
33437.9
7
33437.9
7
86562.0
3
70436.4
7
51085.7
9
27864.9
8
Valor
cuota
Saldo
final
0.00
Saldo
inicial
Inters
perodo
Pago
principal
(amortizaci
n)
100000.0
0
20000.00
13437.97
86562.03
17312.41
16125.56
70436.47
14087.29
19350.68
51085.79
10217.16
23220.81
27864.98
5573.00
27864.97
0.01
Saldo
inicial
Inters
perodo
Pago
principal
(amortizaci
n)
1
100000.0
0
20000.00
0.35
99999.65
19999.93
0.42
99999.23
19999.85
0.50
99998.73
19999.75
0.60
99998.12
19999.62
0.73
99997.40
19999.48
0.87
99996.52
19999.30
1.05
99995.48
19999.10
1.25
99994.23
19998.85
1.50
10
99992.72
19998.54
1.81
11
99990.91
19998.18
2.17
12
99988.75
19997.75
2.60
13
99986.15
19997.23
3.12
14
99983.03
19996.61
3.74
15
99979.28
19995.86
4.49
16
99974.79
19994.96
5.39
17
99969.40
19993.88
6.47
18
99962.92
19992.58
7.77
19
99955.16
19991.03
9.32
20
99945.84
19989.17
11.18
21
99934.66
19986.93
13.42
22
99921.24
19984.25
16.10
23
99905.14
19981.03
19.32
24
99885.82
19977.16
23.19
25
99862.63
19972.53
27.82
26
99834.81
19966.96
33.39
27
99801.42
19960.28
40.07
28
99761.35
19952.27
48.08
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
99999.6
5
99999.2
3
99998.7
3
99998.1
2
99997.4
0
99996.5
2
99995.4
8
99994.2
3
99992.7
2
99990.9
1
99988.7
5
99986.1
5
99983.0
3
99979.2
8
99974.7
9
99969.4
0
99962.9
2
99955.1
6
99945.8
4
99934.6
6
99921.2
4
99905.1
4
99885.8
2
99862.6
3
99834.8
1
99801.4
2
99761.3
5
99713.2
7
29
99713.27
19942.65
57.70
30
99655.58
19931.12
69.23
31
99586.34
19917.27
83.08
32
99503.26
19900.65
99.70
33
99403.56
19880.71
119.64
34
99283.92
19856.78
143.57
35
99140.36
19828.07
172.28
36
98968.08
19793.62
206.73
37
98761.35
19752.27
248.08
38
98513.27
19702.65
297.70
39
98215.57
19643.11
357.24
40
97858.33
19571.67
428.68
41
97429.65
19485.93
514.42
42
96915.23
19383.05
617.30
43
96297.93
19259.59
740.76
44
95557.16
19111.43
888.92
45
94668.24
18933.65
1066.70
46
93601.54
18720.31
1280.04
47
92321.50
18464.30
1536.05
48
90785.45
18157.09
1843.26
49
88942.19
17788.44
2211.91
50
86730.28
17346.06
2654.29
51
84075.98
16815.20
3185.15
52
80890.83
16178.17
3822.18
53
77068.65
15413.73
4586.62
54
72482.03
14496.41
5503.94
55
66978.08
13395.62
6604.73
56
60373.35
12074.67
7925.68
57
52447.67
10489.53
9510.82
58
42936.85
8587.37
11412.98
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
5
20000.3
99655.5
8
99586.3
4
99503.2
6
99403.5
6
99283.9
2
99140.3
6
98968.0
8
98761.3
5
98513.2
7
98215.5
7
97858.3
3
97429.6
5
96915.2
3
96297.9
3
95557.1
6
94668.2
4
93601.5
4
92321.5
0
90785.4
5
88942.1
9
86730.2
8
84075.9
8
80890.8
3
77068.6
5
72482.0
3
66978.0
8
60373.3
5
52447.6
7
42936.8
5
31523.8
59
31523.87
6304.77
13695.58
60
17828.29
3565.66
16434.69
5
20000.3
5
20000.3
5
7
17828.2
9
1393.60
Demuestre empleando el software financiero que los cinco planes son equivalentes.
Primer plan:
Segundo plan:
Tercer plan:
Cuarto plan:
La equivalencia entre planes se da en un mismo tiempo discreto y a la misma tasa de inters, es decir
para cada plan el equivalente financiero en un determinado perodo es el mismo.
Por eso si ponemos en el software 60 aos los planes son equivalentes, pero si ponemos a 60 meses
en chulco
2) Elaborar la tabla de amortizacin de $5000 concedidos a crdito a una tasa del 20% anual
durante 5 aos, con cuotas fijas anuales, en perodos anuales (sin utilizar el software
financiero).
Al finalizar qu perodo se habr amortizado un poquito ms del 50% del crdito? Y en
qu perodo un poquito ms del 75% del crdito?
Saldo
inicial
Inters
perodo
1
2
3
4
5
5000.00
4328.10
3521.82
2554.28
1393.24
1000.00
865.62
704.36
510.86
278.65
Pago
principal
(amortizaci
n)
0.00
806.28
967.54
1161.04
1393.25
Valor
cuota
Saldo
final
1671.90
1671.90
1671.90
1671.90
1671.90
4328.10
3521.82
2554.28
1393.24
-0.01
Saldo
inicial
Inters
perodo
1
2
3
4
5
5000.00
4328.10
3521.82
2554.28
1393.24
1000.00
865.62
704.36
510.86
278.65
Pago
principal
(amortizaci
n)
0.00
806.28
967.54
1161.04
1393.25
Valor
cuota
Saldo
final
1671.90
1671.90
1671.90
1671.90
1671.90
4328.10
3521.82
2554.28
1393.24
-0.01
Valor
cuota
Saldo
final
797.87
797.87
797.87
797.87
797.87
797.87
797.87
797.87
797.87
797.87
4679.36
4328.11
3943.33
3521.84
3060.11
2554.31
2000.24
1393.28
728.39
0.04
Valor
cuota
Saldo
final
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
470.82
4762.36
4513.63
4253.30
3980.84
3695.66
3397.19
3084.80
2757.84
2415.63
2057.46
1682.59
1290.24
879.59
449.79
b) Semestrales.
Saldo
inicial
Inters
perodo
1
2
3
4
5
6
7
8
9
10
5000.00
4679.36
4328.11
3943.33
3521.84
3060.11
2554.31
2000.24
1393.28
728.39
477.23
446.62
413.10
376.37
336.14
292.07
243.80
190.91
132.98
69.52
Saldo
inicial
Inters
perodo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
5000.00
4762.36
4513.63
4253.30
3980.84
3695.66
3397.19
3084.80
2757.84
2415.63
2057.46
1682.59
1290.24
879.59
233.18
222.09
210.49
198.35
185.65
172.35
158.43
143.86
128.61
112.65
95.95
78.47
60.17
41.02
Pago
principal
(amortizaci
n)
320.64
351.25
384.77
421.50
461.73
505.80
554.07
606.96
664.89
728.35
c) Trimestrales.
Pago
principal
(amortizaci
n)
237.64
248.73
260.33
272.47
285.17
298.47
312.39
326.96
342.21
358.17
374.87
392.35
410.65
429.80
15
449.79
20.98
449.84
470.82
-0.05
Valor
cuota
Saldo
final
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
4948.57
4896.35
4843.33
4789.50
4734.84
4679.35
4623.01
4565.80
4507.72
4448.75
4388.88
4328.09
4266.37
4203.71
4140.09
4075.49
4009.90
3943.31
3875.70
3807.06
3737.36
3666.60
3594.75
3521.81
3447.74
3372.55
3296.20
3218.68
3139.98
3060.07
2978.94
2896.56
2812.93
2728.01
2641.80
2554.26
2465.39
2375.15
2283.53
2190.51
2096.07
2000.18
1902.82
1803.97
d) Mensuales.
Saldo
inicial
Inters
perodo
1
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
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
5000.00
4948.57
4896.35
4843.33
4789.50
4734.84
4679.35
4623.01
4565.80
4507.72
4448.75
4388.88
4328.09
4266.37
4203.71
4140.09
4075.49
4009.90
3943.31
3875.70
3807.06
3737.36
3666.60
3594.75
3521.81
3447.74
3372.55
3296.20
3218.68
3139.98
3060.07
2978.94
2896.56
2812.93
2728.01
2641.80
2554.26
2465.39
2375.15
2283.53
2190.51
2096.07
2000.18
1902.82
76.55
75.76
74.96
74.15
73.32
72.49
71.64
70.78
69.90
69.01
68.11
67.19
66.26
65.32
64.36
63.38
62.39
61.39
60.37
59.33
58.28
57.22
56.13
55.03
53.92
52.78
51.63
50.46
49.28
48.07
46.85
45.61
44.34
43.06
41.76
40.44
39.10
37.74
36.36
34.96
33.54
32.09
30.62
29.13
Pago
principal
(amortizaci
n)
51.43
52.22
53.02
53.83
54.66
55.49
56.34
57.20
58.08
58.97
59.87
60.79
61.72
62.66
63.62
64.60
65.59
66.59
67.61
68.65
69.70
70.76
71.85
72.95
74.06
75.20
76.35
77.52
78.70
79.91
81.13
82.37
83.64
84.92
86.22
87.54
88.88
90.24
91.62
93.02
94.44
95.89
97.36
98.85
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
1803.97
1703.61
1601.71
1498.25
1393.21
1286.56
1178.27
1068.33
956.71
843.37
728.31
611.48
492.86
372.42
250.14
125.99
27.62
26.08
24.52
22.94
21.33
19.70
18.04
16.36
14.65
12.91
11.15
9.36
7.55
5.70
3.83
1.93
100.36
101.90
103.46
105.04
106.65
108.28
109.94
111.62
113.33
115.07
116.83
118.62
120.43
122.28
124.15
126.05
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
127.98
1703.61
1601.71
1498.25
1393.21
1286.56
1178.27
1068.33
956.71
843.37
728.31
611.48
492.86
372.42
250.14
125.99
-0.06
Saldo
inicial
Inters
perodo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
800.00
761.06
721.52
681.38
640.62
599.23
557.22
514.56
471.25
427.27
382.62
337.29
291.26
244.53
197.09
148.91
100.00
50.34
12.25
11.65
11.05
10.43
9.81
9.17
8.53
7.88
7.21
6.54
5.86
5.16
4.46
3.74
3.02
2.28
1.53
0.77
Saldo
inicial
Inters
perodo
1
2
800.00
772.17
12.25
11.82
Pago
principal
(amortizaci
n)
38.94
39.54
40.14
40.76
41.38
42.02
42.66
43.31
43.98
44.65
45.33
46.03
46.73
47.45
48.17
48.91
49.66
50.42
Valor
cuota
Saldo
final
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
51.19
761.06
721.52
681.38
640.62
599.23
557.22
514.56
471.25
427.27
382.62
337.29
291.26
244.53
197.09
148.91
100.00
50.34
-0.07
Valor
cuota
Saldo
final
40.08
40.08
772.17
743.91
b) En 24 meses.
Pago
principal
(amortizaci
n)
27.83
28.26
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
743.91
715.22
686.09
656.51
626.48
595.99
565.04
533.61
501.70
469.30
436.40
403.00
369.09
334.66
299.71
264.22
228.18
191.59
154.45
116.73
78.44
39.56
11.39
10.95
10.50
10.05
9.59
9.12
8.65
8.17
7.68
7.18
6.68
6.17
5.65
5.12
4.59
4.05
3.49
2.93
2.36
1.79
1.20
0.61
28.69
29.13
29.58
30.03
30.49
30.96
31.43
31.91
32.40
32.90
33.40
33.91
34.43
34.96
35.49
36.03
36.59
37.15
37.72
38.29
38.88
39.47
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
40.08
715.22
686.09
656.51
626.48
595.99
565.04
533.61
501.70
469.30
436.40
403.00
369.09
334.66
299.71
264.22
228.18
191.59
154.45
116.73
78.44
39.56
0.09
a) En 18 meses.
b) En 24 meses.
c) En 8 trimestres.
d) En 4 semestres.
1.5.5. TAREA
1) Una refrigeradora tiene un precio de contado de $1200. Si la entrada es de $200 y con 12
mensualidades de $100, Cul es el costo del crdito (tasa efectiva)?
Cuota 2 a 25:
$296.36
Cuota 26 a 84:
$270.77
8) Cul ser el costo del crdito si en lugar de las cuotas de $100 fuesen $150?
9) Para la compra de una vivienda se requieren de $80000 que pueden ser concedidos por 2
Instituciones Financieras:
BIESS: con 120 mensualidades de 1078,65
CONSTRUCTORA: con 180 mensualidades de 950,35
a) Financieramente cul representa el plan ms atractivo para el prestatario? Responda sin
realizar clculo alguno.
b) Plantee las ecuaciones para determinar las correspondientes tasas de inters.
c) Determine las tasas de inters.
d) Determine para el caso del BIESS el valor de los intereses acumulados durante la vida til
de este crdito.