Anualidades Vencidas

Previo a los problemas del tema de anualidades

¿Cómo determinar la fórmula de pagos periódicos?

$100 x x

𝑥 𝑥
$100 = (1+𝑖) + (1+𝑖)2

0 1 2

C R R R R R R R R R

0 1 2 3 4 5 6 7 n-1 n

𝑅 𝑅 𝑅 𝑅 𝑅
𝐶 = (1+𝑖) + (1+𝑖)2 + (1+𝑖)3 + ⋯ … … … + (1+𝑖)𝑛−1 + (1+𝑖)𝑛

1 1 1 1 1 1
𝐶 = 𝑅[ + + + ⋯ … . . + (1+𝑖)𝑛−1 + ] multiplicador
(1+𝑖) (1+𝑖)2 (1+𝑖)3 (1+𝑖)𝑛 1+𝑖

1 1 1 1 1 1 1
𝐶 = 𝑅[ + + + ⋯ + (1+𝑖)𝑛−1 + (1+𝑖)𝑛 + ]
1+𝑖 (1+𝑖)2 (1+𝑖)3 (1+𝑖)4 (1+𝑖)𝑛+1

1 1 1 1 1
−{𝐶 = 𝑅 [(1+𝑖) + (1+𝑖)2 + (1+𝑖)3 + ⋯ + (1+𝑖)𝑛−1 + (1+𝑖)𝑛 ]

1 1 1
1+𝑖
𝐶 − 𝐶 = 𝑅 [(1+𝑖)𝑛+1 − (1+𝑖)]

1 1 1
1+𝑖
𝐶 − 𝐶 = 𝑅 [(1+𝑖)𝑛+1 − (1+𝑖)]

1 1 (1+𝑖)𝑛
𝐶 [1+𝑖 − 1] = 𝑅 (1+𝑖)𝑛 (1+𝑖)1 − (1+𝑖)1 (1+𝑖)𝑛

1 1+𝑖 1−(1+𝑖)𝑛
𝐶 [1+𝑖 − 1+𝑖] = 𝑅 [(1+𝑖)𝑛 (1+𝑖)]

1−1−𝑖
𝐶[ 1+𝑖
]

−𝑖 1−(1+𝑖)𝑛
𝐶 [(1+𝑖] = 𝑅 [(1+𝑖)𝑛 (1+𝑖)]