Gradiente Aritmetico Creciente

Se ha contratado un crdito por 45.000.000, respecto del cual se necesita conocer el

valor de las cuotas del prstamo, la duracin es de 36 meses, con un gradiente
aritmtico creciente de $85.000 mensual y una tasa de inters del 2,5% mensual.

Datos del ejercicio

Tasa 2.5%
n 36
gradiante $ 85,000
Vp $ 45,000,000
Valor primera cuota ? Rta $ 646,393.95

Tabla de amortizacin
Periodo Cuota Inters Abono Saldo
0 $ - $ 45,000,000.000
1 $ 646,393.95 $ 1,125,000.00 -$ 478,606.05 $ 45,478,606.053
2 $ 731,393.95 $ 1,136,965.15 -$ 405,571.20 $ 45,884,177.258
3 $ 816,393.95 $ 1,147,104.43 -$ 330,710.48 $ 46,214,887.742
4 $ 901,393.95 $ 1,155,372.19 -$ 253,978.25 $ 46,468,865.989
5 $ 986,393.95 $ 1,161,721.65 -$ 175,327.70 $ 46,644,193.692
6 $ 1,071,393.95 $ 1,166,104.84 -$ 94,710.90 $ 46,738,904.587
7 $ 1,156,393.95 $ 1,168,472.61 -$ 12,078.67 $ 46,750,983.255
8 $ 1,241,393.95 $ 1,168,774.58 $ 72,619.37 $ 46,678,363.890
9 $ 1,326,393.95 $ 1,166,959.10 $ 159,434.85 $ 46,518,929.040
10 $ 1,411,393.95 $ 1,162,973.23 $ 248,420.72 $ 46,270,508.319
11 $ 1,496,393.95 $ 1,156,762.71 $ 339,631.24 $ 45,930,877.080
12 $ 1,581,393.95 $ 1,148,271.93 $ 433,122.02 $ 45,497,755.06
13 $ 1,666,393.95 $ 1,137,443.88 $ 528,950.07 $ 44,968,804.99
14 $ 1,751,393.95 $ 1,124,220.12 $ 627,173.82 $ 44,341,631.17
15 $ 1,836,393.95 $ 1,108,540.78 $ 727,853.17 $ 43,613,778.00
16 $ 1,921,393.95 $ 1,090,344.45 $ 831,049.50 $ 42,782,728.50
17 $ 2,006,393.95 $ 1,069,568.21 $ 936,825.73 $ 41,845,902.77
18 $ 2,091,393.95 $ 1,046,147.57 $ 1,045,246.38 $ 40,800,656.39
19 $ 2,176,393.95 $ 1,020,016.41 $ 1,156,377.54 $ 39,644,278.85
20 $ 2,261,393.95 $ 991,106.97 $ 1,270,286.98 $ 38,373,991.88
21 $ 2,346,393.95 $ 959,349.80 $ 1,387,044.15 $ 36,986,947.73
22 $ 2,431,393.95 $ 924,673.69 $ 1,506,720.25 $ 35,480,227.48
23 $ 2,516,393.95 $ 887,005.69 $ 1,629,388.26 $ 33,850,839.22
24 $ 2,601,393.95 $ 846,270.98 $ 1,755,122.97 $ 32,095,716.25
25 $ 2,686,393.95 $ 802,392.91 $ 1,884,001.04 $ 30,211,715.21
26 $ 2,771,393.95 $ 755,292.88 $ 2,016,101.07 $ 28,195,614.14
27 $ 2,856,393.95 $ 704,890.35 $ 2,151,503.59 $ 26,044,110.55
28 $ 2,941,393.95 $ 651,102.76 $ 2,290,291.18 $ 23,753,819.37
29 $ 3,026,393.95 $ 593,845.48 $ 2,432,548.46 $ 21,321,270.90
30 $ 3,111,393.95 $ 533,031.77 $ 2,578,362.17 $ 18,742,908.73
31 $ 3,196,393.95 $ 468,572.72 $ 2,727,821.23 $ 16,015,087.50
32 $ 3,281,393.95 $ 400,377.19 $ 2,881,016.76 $ 13,134,070.74
33 $ 3,366,393.95 $ 328,351.77 $ 3,038,042.18 $ 10,096,028.56
34 $ 3,451,393.95 $ 252,400.71 $ 3,198,993.23 $ 6,897,035.33
35 $ 3,536,393.95 $ 172,425.88 $ 3,363,968.06 $ 3,533,067.27
36 $ 3,621,393.95 $ 88,326.68 $ 3,533,067.27 -$ 0.00
esita conocer el
gradiente
5% mensual.

Desarrollo
=$45.000.000
=?
=36
=85000
=2,5%
Procedemos a hallar el valor de primera cuota aplicando la siguiente formula:

=[(1 (1+) ^())/]+/ [(1 (1+) ^())//(1+)^ ]

Ahora reemplazamos por los respectivos valores

45000000=[(1 (1+0,025) ^(36))/0,025]+85000/0,025 [(1

(1+0,025) ^(36))/0,02536/(1+0,025)^36 ]

45000000=[(1 (1,025) ^(36))/0,025]+3400000[(1

(1,025) ^(36))/0,02536/(1,025)^36 ]
45000000=[(10,411)/0,025]+3400000[(10,411)/0,02514,799]
45000000=[0,588/0,025]+3400000[0,588/0,02514,799]
45000000=[23,556]+3400000[23,55614,799]
45000000=[23,556]+3400000[8,757]
45000000=[23,556]+29773381,9
Ahora despejamos

45000000=[23,556]+29773381,9
=(4500000029773381,9)/23,556
=15226618,1/23,556
=646393,95
=$ 646.393,95
45000000=[23,556]+29773381,9
=(4500000029773381,9)/23,556
=15226618,1/23,556
=646393,95
=$ 646.393,95
 Gradiente Geometrico Decreciente

Con los mismos datos del numeral anterior, excepto porque ahora se utilizara un gradiente
geomtrico decreciente del 4.0% y una tasa de inters de 2.3%, mensual.

Tasa 2.3%
n 9
gradiante 4%
Vp $ 45,000,000
Valor primera cuota ? Rta $ 3,155,074.60

Tabla de amortizacin
Periodo Cuota Inters Abono Saldo
0 $ - $ 45,000,000
1 $ 3,155,074.60 $ 1,035,000.00 $ 2,120,074.60 $ 42,879,925.40
2 $ 3,028,871.61 $ 986,238.28 $ 2,042,633.33 $ 40,837,292.07
3 $ 2,907,716.75 $ 939,257.72 $ 1,968,459.03 $ 38,868,833.04
4 $ 2,791,408.08 $ 893,983.16 $ 1,897,424.92 $ 36,971,408.12
5 $ 2,679,751.76 $ 850,342.39 $ 1,829,409.37 $ 35,141,998.75
6 $ 2,572,561.69 $ 808,265.97 $ 1,764,295.71 $ 33,377,703.04
7 $ 2,469,659.22 $ 767,687.17 $ 1,701,972.05 $ 31,675,730.99
8 $ 2,370,872.85 $ 728,541.81 $ 1,642,331.04 $ 30,033,399.96
9 $ 2,276,037.94 $ 690,768.20 $ 1,585,269.74 $ 28,448,130.22
10 $ 2,184,996.42 $ 654,307.00 $ 1,530,689.42 $ 26,917,440.80
11 $ 2,097,596.56 $ 619,101.14 $ 1,478,495.42 $ 25,438,945.37
12 $ 2,013,692.70 $ 585,095.74 $ 1,428,596.96 $ 24,010,348.42
13 $ 1,933,144.99 $ 552,238.01 $ 1,380,906.98 $ 22,629,441.44
14 $ 1,855,819.19 $ 520,477.15 $ 1,335,342.04 $ 21,294,099.40
15 $ 1,781,586.42 $ 489,764.29 $ 1,291,822.14 $ 20,002,277.27
16 $ 1,710,322.97 $ 460,052.38 $ 1,250,270.59 $ 18,752,006.68
17 $ 1,641,910.05 $ 431,296.15 $ 1,210,613.89 $ 17,541,392.78
18 $ 1,576,233.65 $ 403,452.03 $ 1,172,781.61 $ 16,368,611.17
19 $ 1,513,184.30 $ 376,478.06 $ 1,136,706.24 $ 15,231,904.93
20 $ 1,452,656.93 $ 350,333.81 $ 1,102,323.11 $ 14,129,581.81
21 $ 1,394,550.65 $ 324,980.38 $ 1,069,570.27 $ 13,060,011.54
22 $ 1,338,768.63 $ 300,380.27 $ 1,038,388.36 $ 12,021,623.18
23 $ 1,285,217.88 $ 276,497.33 $ 1,008,720.55 $ 11,012,902.63
24 $ 1,233,809.16 $ 253,296.76 $ 980,512.40 $ 10,032,390.23
25 $ 1,184,456.80 $ 230,744.98 $ 953,711.82 $ 9,078,678.41
26 $ 1,137,078.53 $ 208,809.60 $ 928,268.92 $ 8,150,409.48
27 $ 1,091,595.39 $ 187,459.42 $ 904,135.97 $ 7,246,273.52
28 $ 1,047,931.57 $ 166,664.29 $ 881,267.28 $ 6,365,006.24
29 $ 1,006,014.31 $ 146,395.14 $ 859,619.16 $ 5,505,387.08
30 $ 965,773.73 $ 126,623.90 $ 839,149.83 $ 4,666,237.24
31 $ 927,142.79 $ 107,323.46 $ 819,819.33 $ 3,846,417.91
32 $ 890,057.07 $ 88,467.61 $ 801,589.46 $ 3,044,828.45
33 $ 854,454.79 $ 70,031.05 $ 784,423.74 $ 2,260,404.72
34 $ 820,276.60 $ 51,989.31 $ 768,287.29 $ 1,492,117.43
35 $ 787,465.54 $ 34,318.70 $ 753,146.83 $ 738,970.59
36 $ 755,966.91 $ 16,996.32 $ 738,970.59 -$ 0.00
 Desarrollo

=$45.000.000

=?

=36

=4%

=2,3%
Procedemos a hallar el valor de primera cuota aplicando la siguiente formula:

=[(1((1)/(1+))^)/(+)]

Ahora reemplazamos por los respectivos valores

45000000=[(1((10,04)/(1+0,023))^36)/(0,023+0,04)]

45000000=[(1(0,96/1,023)^36)/0,063]

45000000=[(1(0,938)^36)/0,063]

45000000=[(10,101)/0,063]

45000000=[0,898/0,063]

45000000=[14,262]

Ahora despejamos

45000000=[14,262]

=45000000/14,262

=15226618,1/23,556

=3155074,6

=$ 3.155.074,6
45000000=[14,262]

=45000000/14,262

=15226618,1/23,556

=3155074,6

=$ 3.155.074,6
 Elabore otro ejemplo donde se quiera determinar el valor inicial del prstamo, el cual podra empezar con un
periodos y con un gradiente aritmtico creciente de 75000 mensuales realice el mismo ejercicio con los mismo

Gradiente Aritmetico Creciente

Datos del ejercicio

Tasa 3.6%
n 48
gradiante $ 75,000
Valor primera cuota $ 850,000

Valor Presente Gradiente Aritmetica Creciente $ 48,248,901.69

Comprobacin mediante tabla de amortizacin

Tabla de amortizacin
Periodo Cuota Inters Abono Saldo
0 $ - $ 48,248,901.69
1 $ 850,000.00 $ 1,736,960.46 -$ 886,960.46 $ 49,135,862.146
2 $ 925,000.00 $ 1,768,891.04 -$ 843,891.04 $ 49,979,753.183
3 $ 1,000,000.00 $ 1,799,271.11 -$ 799,271.11 $ 50,779,024.298
4 $ 1,075,000.00 $ 1,828,044.87 -$ 753,044.87 $ 51,532,069.173
5 $ 1,150,000.00 $ 1,855,154.49 -$ 705,154.49 $ 52,237,223.663
6 $ 1,225,000.00 $ 1,880,540.05 -$ 655,540.05 $ 52,892,763.715
7 $ 1,300,000.00 $ 1,904,139.49 -$ 604,139.49 $ 53,496,903.208
8 $ 1,375,000.00 $ 1,925,888.52 -$ 550,888.52 $ 54,047,791.724
9 $ 1,450,000.00 $ 1,945,720.50 -$ 495,720.50 $ 54,543,512.226
10 $ 1,525,000.00 $ 1,963,566.44 -$ 438,566.44 $ 54,982,078.666
11 $ 1,600,000.00 $ 1,979,354.83 -$ 379,354.83 $ 55,361,433.498
12 $ 1,675,000.00 $ 1,993,011.61 -$ 318,011.61 $ 55,679,445.10
13 $ 1,750,000.00 $ 2,004,460.02 -$ 254,460.02 $ 55,933,905.13
14 $ 1,825,000.00 $ 2,013,620.58 -$ 188,620.58 $ 56,122,525.71
15 $ 1,900,000.00 $ 2,020,410.93 -$ 120,410.93 $ 56,242,936.64
16 $ 1,975,000.00 $ 2,024,745.72 -$ 49,745.72 $ 56,292,682.36
17 $ 2,050,000.00 $ 2,026,536.56 $ 23,463.44 $ 56,269,218.92
18 $ 2,125,000.00 $ 2,025,691.88 $ 99,308.12 $ 56,169,910.80
19 $ 2,200,000.00 $ 2,022,116.79 $ 177,883.21 $ 55,992,027.59
20 $ 2,275,000.00 $ 2,015,712.99 $ 259,287.01 $ 55,732,740.59
21 $ 2,350,000.00 $ 2,006,378.66 $ 343,621.34 $ 55,389,119.25
22 $ 2,425,000.00 $ 1,994,008.29 $ 430,991.71 $ 54,958,127.54
23 $ 2,500,000.00 $ 1,978,492.59 $ 521,507.41 $ 54,436,620.13
24 $ 2,575,000.00 $ 1,959,718.32 $ 615,281.68 $ 53,821,338.46
25 $ 2,650,000.00 $ 1,937,568.18 $ 712,431.82 $ 53,108,906.64
26 $ 2,725,000.00 $ 1,911,920.64 $ 813,079.36 $ 52,295,827.28
27 $ 2,800,000.00 $ 1,882,649.78 $ 917,350.22 $ 51,378,477.06
28 $ 2,875,000.00 $ 1,849,625.17 $ 1,025,374.83 $ 50,353,102.23
29 $ 2,950,000.00 $ 1,812,711.68 $ 1,137,288.32 $ 49,215,813.92
30 $ 3,025,000.00 $ 1,771,769.30 $ 1,253,230.70 $ 47,962,583.22
31 $ 3,100,000.00 $ 1,726,653.00 $ 1,373,347.00 $ 46,589,236.21
32 $ 3,175,000.00 $ 1,677,212.50 $ 1,497,787.50 $ 45,091,448.72
33 $ 3,250,000.00 $ 1,623,292.15 $ 1,626,707.85 $ 43,464,740.87
34 $ 3,325,000.00 $ 1,564,730.67 $ 1,760,269.33 $ 41,704,471.54
35 $ 3,400,000.00 $ 1,501,360.98 $ 1,898,639.02 $ 39,805,832.52
36 $ 3,475,000.00 $ 1,433,009.97 $ 2,041,990.03 $ 37,763,842.49
37 $ 3,550,000.00 $ 1,359,498.33 $ 2,190,501.67 $ 35,573,340.82
38 $ 3,625,000.00 $ 1,280,640.27 $ 2,344,359.73 $ 33,228,981.09
39 $ 3,700,000.00 $ 1,196,243.32 $ 2,503,756.68 $ 30,725,224.40
40 $ 3,775,000.00 $ 1,106,108.08 $ 2,668,891.92 $ 28,056,332.48
41 $ 3,850,000.00 $ 1,010,027.97 $ 2,839,972.03 $ 25,216,360.45
42 $ 3,925,000.00 $ 907,788.98 $ 3,017,211.02 $ 22,199,149.43
43 $ 4,000,000.00 $ 799,169.38 $ 3,200,830.62 $ 18,998,318.81
44 $ 4,075,000.00 $ 683,939.48 $ 3,391,060.52 $ 15,607,258.29
45 $ 4,150,000.00 $ 561,861.30 $ 3,588,138.70 $ 12,019,119.58
46 $ 4,225,000.00 $ 432,688.31 $ 3,792,311.69 $ 8,226,807.89
47 $ 4,300,000.00 $ 296,165.08 $ 4,003,834.92 $ 4,222,972.97
48 $ 4,375,000.00 $ 152,027.03 $ 4,222,972.97 -$ 0.00

Gradiente Geometrico Creciente

Tasa 3.6%
n 48
gradiante 2.8%
Valor primera cuota $ 850,000

Valor Presente Gradiente Aritmetica Creciente $ 33,013,061.27

Comprobacin mediante tabla de amortizacin

 Tabla de amortizacin
Periodo Cuota Inters Abono Saldo
0 $ - $ 33,013,061.27
1 $ 850,000.00 $ 1,188,470.21 -$ 338,470.21 $ 33,351,531.472
2 $ 873,800.00 $ 1,200,655.13 -$ 326,855.13 $ 33,678,386.605
3 $ 898,266.40 $ 1,212,421.92 -$ 314,155.52 $ 33,992,542.122
4 $ 923,417.86 $ 1,223,731.52 -$ 300,313.66 $ 34,292,855.780
5 $ 949,273.56 $ 1,234,542.81 -$ 285,269.25 $ 34,578,125.029
6 $ 975,853.22 $ 1,244,812.50 -$ 268,959.28 $ 34,847,084.311
7 $ 1,003,177.11 $ 1,254,495.04 -$ 251,317.93 $ 35,098,402.237
8 $ 1,031,266.07 $ 1,263,542.48 -$ 232,276.41 $ 35,330,678.649
9 $ 1,060,141.52 $ 1,271,904.43 -$ 211,762.91 $ 35,542,441.563
10 $ 1,089,825.48 $ 1,279,527.90 -$ 189,702.42 $ 35,732,143.978
11 $ 1,120,340.59 $ 1,286,357.18 -$ 166,016.59 $ 35,898,160.568
12 $ 1,151,710.13 $ 1,292,333.78 -$ 140,623.65 $ 36,038,784.217
13 $ 1,183,958.01 $ 1,297,396.23 -$ 113,438.22 $ 36,152,222.435
14 $ 1,217,108.84 $ 1,301,480.01 -$ 84,371.17 $ 36,236,593.604
15 $ 1,251,187.89 $ 1,304,517.37 -$ 53,329.48 $ 36,289,923.088
16 $ 1,286,221.15 $ 1,306,437.23 -$ 20,216.08 $ 36,310,139.172
17 $ 1,322,235.34 $ 1,307,165.01 $ 15,070.33 $ 36,295,068.843
18 $ 1,359,257.93 $ 1,306,622.48 $ 52,635.45 $ 36,242,433.393
19 $ 1,397,317.15 $ 1,304,727.60 $ 92,589.55 $ 36,149,843.844
20 $ 1,436,442.03 $ 1,301,394.38 $ 135,047.65 $ 36,014,796.192
21 $ 1,476,662.41 $ 1,296,532.66 $ 180,129.74 $ 35,834,666.447
22 $ 1,518,008.96 $ 1,290,047.99 $ 227,960.96 $ 35,606,705.484
23 $ 1,560,513.21 $ 1,281,841.40 $ 278,671.81 $ 35,328,033.676
24 $ 1,604,207.58 $ 1,271,809.21 $ 332,398.36 $ 34,995,635.313
25 $ 1,649,125.39 $ 1,259,842.87 $ 389,282.52 $ 34,606,352.796
26 $ 1,695,300.90 $ 1,245,828.70 $ 449,472.20 $ 34,156,880.598
27 $ 1,742,769.32 $ 1,229,647.70 $ 513,121.62 $ 33,643,758.976
28 $ 1,791,566.86 $ 1,211,175.32 $ 580,391.54 $ 33,063,367.435
29 $ 1,841,730.74 $ 1,190,281.23 $ 651,449.51 $ 32,411,917.925
30 $ 1,893,299.20 $ 1,166,829.05 $ 726,470.15 $ 31,685,447.773
31 $ 1,946,311.58 $ 1,140,676.12 $ 805,635.46 $ 30,879,812.318
32 $ 2,000,808.30 $ 1,111,673.24 $ 889,135.06 $ 29,990,677.262
33 $ 2,056,830.93 $ 1,079,664.38 $ 977,166.55 $ 29,013,510.712
34 $ 2,114,422.20 $ 1,044,486.39 $ 1,069,935.81 $ 27,943,574.900
35 $ 2,173,626.02 $ 1,005,968.70 $ 1,167,657.32 $ 26,775,917.577
36 $ 2,234,487.55 $ 963,933.03 $ 1,270,554.51 $ 25,505,363.062
37 $ 2,297,053.20 $ 918,193.07 $ 1,378,860.13 $ 24,126,502.933
38 $ 2,361,370.69 $ 868,554.11 $ 1,492,816.58 $ 22,633,686.350
39 $ 2,427,489.07 $ 814,812.71 $ 1,612,676.36 $ 21,021,009.991
40 $ 2,495,458.76 $ 756,756.36 $ 1,738,702.40 $ 19,282,307.588
41 $ 2,565,331.61 $ 694,163.07 $ 1,871,168.53 $ 17,411,139.054
42 $ 2,637,160.89 $ 626,801.01 $ 2,010,359.89 $ 15,400,779.168
43 $ 2,711,001.40 $ 554,428.05 $ 2,156,573.35 $ 13,244,205.821
44 $ 2,786,909.44 $ 476,791.41 $ 2,310,118.03 $ 10,934,087.794
45 $ 2,864,942.90 $ 393,627.16 $ 2,471,315.74 $ 8,462,772.054
46 $ 2,945,161.30 $ 304,659.79 $ 2,640,501.51 $ 5,822,270.547
47 $ 3,027,625.82 $ 209,601.74 $ 2,818,024.08 $ 3,004,246.468
48 $ 3,112,399.34 $ 108,152.87 $ 3,004,246.47 -$ 0.000
 cual podra empezar con una cuota de 850000, con una tasa de inters de 3.6% mensual, durante 48
mismo ejercicio con los mismos datos, pero con un gradiente geomtrico creciente de 2.8% mensual.

Desarrollo

= ?

=850000

=48

=75000

=3,6%
Ahora si procedemos a hallar el valor de la serie gradiente aplicando la siguiente formula:

=[(1 (1+) ^())/]+/ [(1 (1+) ^())//(1+)^ ]

Ahora reemplazamos por los respectivos valores

=850000[(1 (1+0,036) ^(48))/0,036]+75000/0,036 [(1

(1+0,036) ^(48))/0,03648/(1+0,036)^48 ]

=850000[(1 (1,036) ^(48))/0,036]+75000/0,036 [(1 (1,036) ^(48))/0,03648/

(1,036)^48 ]

=850000[(10,183)/0,036]+75000/0,036 [(10.183)/0,03648/(1,036)^48 ]
=850000[0,816/0,036]+2083333.333[0,816/0,03648/5,460]

=850000[22,691]+2083333.333[22.6918,791]

=19287484.66+2083333.333[13,899]

=19287484.66+28961417,03

=48248901,69

=$ 48.248.901,69
 Desarrollo

= ?

=850000

=48

=3,6%
=2,8%
Ahora procedemos a hacer el clculo para este caso teniendo en cuenta que la tasa de inters es diferente
al valor gradiente i j, el valor presente de la serie gradiente geomtrica decreciente, se determina
utilizado la siguiente igualdad:
=850000

=48

=3,6%

=2,8%
Ahora procedemos a hacer el clculo para este caso teniendo en cuenta que la tasa de inters es diferente
al valor gradiente i j, el valor presente de la serie gradiente geomtrica decreciente, se determina
utilizado la siguiente igualdad:
=[(1((1+)/(1+))^)/(+)]
Reemplazamos los valores en la ecuacin
=850000[(1((1+0,028)/(1+0,036))^48)/(0.0360,028)]

=850000[(1(1,028/1,036)^48)/0,008]

=850000[(1(0,922)^48)/0,008]

=850000[(10,689)/0,008]

=850000[0,310/0,008]

=850000[38,838]

=33013061,27

=$ 33.013.061,27
48))/0,03648/
ers es diferente
etermina
ers es diferente
etermina