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S=P+I
S = 3,000 + 1,200 = 4,200
S = P ( 1 +i x n)
S = 3,000 (1 + 0.1 x 4) = 4,200
Compuesto
Periodo Capital 10% Inters Capital Final
Inicial
1 3000 300 3300
2 3300 330 3630
3 3630 363 3993
4 3993 399.3 4392.3
S = P (1 + i)n
S = 3,000 (1 + 0.1)4 = 4,392.3
MONTO COMPUESTOS
Nomenclatura:
1. S = Monto, Stock Final, Valor Futuro
2. P = Capital, Stock Inicial, Valor Presente
3. n = # total de perodos, Tiempo
4. i = Tasa de Inters por perodo
1. Hallar el Monto que se obtiene con un capital de 74,000 colocado al 42% anual
capitalizable mensualmente durante un ao 3 meses.
= (1 + )
S =?
P = 74,000 S = 74000(1 + (42%/12))15
i = 42% anual=42%/12 S = 123,976
n = 15 meses
2. Cul es el Capital que colocado al 42% anual capitalizable mensualmente nos d un
monto de 123,976 durante un ao 3 meses.
S = 123,976 =
123,976 (1 + )
P =? P = (1+(42%/12))15
i = 42% anual= 42%/12 P = 74,000
n = 15 meses
1 = 0
=
=
Ejercicio N 1:
SALDO SALDO
AOS INTERS AMORTZ PAGO
INICIAL FINAL
0 S/. 4,000.00
1 S/. 4,000.00 154.00 333.33 487.33 3666.67
2 S/. 3,666.67 141.17 333.33 474.50 3333.33
3 S/. 3,333.33 128.33 333.33 461.67 3000.00
4 S/. 3,000.00 115.50 333.33 448.83 2666.67
5 S/. 2,666.67 102.67 333.33 436.00 2333.33
6 S/. 2,333.33 89.83 333.33 423.17 2000.00
7 S/. 2,000.00 77.00 333.33 410.33 1666.67
8 S/. 1,666.67 64.17 333.33 397.50 1333.33
9 S/. 1,333.33 51.33 333.33 384.67 1000.00
10 S/. 1,000.00 38.50 333.33 371.83 666.67
11 S/. 666.67 25.67 333.33 359.00 333.33
12 S/. 333.33 12.83 333.33 346.17 0.00
1 = 0
= +