Consideren la alternativa de crédito propuesta por el Banco C, bajo la modalida

decreciente se reduce en un 15,03%, ¿Cuál sería el nuevo tamaño de la cuota?

empresa? Justifique su respuesta.
MODALIDAD ABONO CONSTANTE A CAPITAL
CAPITAL $ 135,000,000
TASA ANUAL 11.00%
TASA MENSUAL 0.87%
PLAZO (MESES) 72

PERIODO SALDO INICIAL CUOTA INTERÉS ABONO

1 $ 135,000,000 $ 3,049,500 $ 1,174,500 $ 1,875,000
2 $ 133,125,000 $ 3,033,188 $ 1,158,188 $ 1,875,000
3 $ 131,250,000 $ 3,016,875 $ 1,141,875 $ 1,875,000
4 $ 129,375,000 $ 3,000,563 $ 1,125,563 $ 1,875,000
5 $ 127,500,000 $ 2,984,250 $ 1,109,250 $ 1,875,000
6 $ 125,625,000 $ 2,967,938 $ 1,092,938 $ 1,875,000
7 $ 123,750,000 $ 2,951,625 $ 1,076,625 $ 1,875,000
8 $ 121,875,000 $ 2,935,313 $ 1,060,313 $ 1,875,000
9 $ 120,000,000 $ 2,919,000 $ 1,044,000 $ 1,875,000
10 $ 118,125,000 $ 2,902,688 $ 1,027,688 $ 1,875,000
11 $ 116,250,000 $ 2,886,375 $ 1,011,375 $ 1,875,000
12 $ 114,375,000 $ 2,870,063 $ 995,063 $ 1,875,000
13 $ 112,500,000 $ 2,853,750 $ 978,750 $ 1,875,000
14 $ 110,625,000 $ 2,837,438 $ 962,438 $ 1,875,000
15 $ 108,750,000 $ 2,821,125 $ 946,125 $ 1,875,000
16 $ 106,875,000 $ 2,804,813 $ 929,813 $ 1,875,000
17 $ 105,000,000 $ 2,788,500 $ 913,500 $ 1,875,000
18 $ 103,125,000 $ 2,772,188 $ 897,188 $ 1,875,000
19 $ 101,250,000 $ 2,755,875 $ 880,875 $ 1,875,000
20 $ 99,375,000 $ 2,739,563 $ 864,563 $ 1,875,000
21 $ 97,500,000 $ 2,723,250 $ 848,250 $ 1,875,000
22 $ 95,625,000 $ 2,706,938 $ 831,938 $ 1,875,000
23 $ 93,750,000 $ 2,690,625 $ 815,625 $ 1,875,000
24 $ 91,875,000 $ 2,674,313 $ 799,313 $ 1,875,000
25 $ 90,000,000 $ 2,658,000 $ 783,000 $ 1,875,000
26 $ 88,125,000 $ 2,641,688 $ 766,688 $ 1,875,000
27 $ 86,250,000 $ 2,625,375 $ 750,375 $ 1,875,000
28 $ 84,375,000 $ 2,609,063 $ 734,063 $ 1,875,000
29 $ 82,500,000 $ 2,592,750 $ 717,750 $ 1,875,000
30 $ 80,625,000 $ 2,576,438 $ 701,438 $ 1,875,000
31 $ 78,750,000 $ 2,560,125 $ 685,125 $ 1,875,000
32 $ 76,875,000 $ 2,543,813 $ 668,813 $ 1,875,000
33 $ 75,000,000 $ 2,527,500 $ 652,500 $ 1,875,000
34 $ 73,125,000 $ 2,511,188 $ 636,188 $ 1,875,000
35 $ 71,250,000 $ 2,494,875 $ 619,875 $ 1,875,000
36 $ 69,375,000 $ 2,478,563 $ 603,563 $ 1,875,000
37 $ 67,500,000 $ 2,462,250 $ 587,250 $ 1,875,000
38 $ 65,625,000 $ 2,445,938 $ 570,938 $ 1,875,000
39 $ 63,750,000 $ 2,429,625 $ 554,625 $ 1,875,000
40 $ 61,875,000 $ 2,413,313 $ 538,313 $ 1,875,000
41 $ 60,000,000 $ 2,397,000 $ 522,000 $ 1,875,000
42 $ 58,125,000 $ 2,380,688 $ 505,688 $ 1,875,000
43 $ 56,250,000 $ 2,364,375 $ 489,375 $ 1,875,000
44 $ 54,375,000 $ 2,348,063 $ 473,063 $ 1,875,000
45 $ 52,500,000 $ 2,331,750 $ 456,750 $ 1,875,000
46 $ 50,625,000 $ 2,315,438 $ 440,438 $ 1,875,000
47 $ 48,750,000 $ 2,299,125 $ 424,125 $ 1,875,000
48 $ 46,875,000 $ 2,282,813 $ 407,813 $ 1,875,000
49 $ 45,000,000 $ 2,266,500 $ 391,500 $ 1,875,000
50 $ 43,125,000 $ 2,250,188 $ 375,188 $ 1,875,000
51 $ 41,250,000 $ 2,233,875 $ 358,875 $ 1,875,000
52 $ 39,375,000 $ 2,217,563 $ 342,563 $ 1,875,000
53 $ 37,500,000 $ 2,201,250 $ 326,250 $ 1,875,000
54 $ 35,625,000 $ 2,184,938 $ 309,938 $ 1,875,000
55 $ 33,750,000 $ 2,168,625 $ 293,625 $ 1,875,000
56 $ 31,875,000 $ 2,152,313 $ 277,313 $ 1,875,000
57 $ 30,000,000 $ 2,136,000 $ 261,000 $ 1,875,000
58 $ 28,125,000 $ 2,119,688 $ 244,688 $ 1,875,000
59 $ 26,250,000 $ 2,103,375 $ 228,375 $ 1,875,000
60 $ 24,375,000 $ 2,087,063 $ 212,063 $ 1,875,000
61 $ 22,500,000 $ 2,070,750 $ 195,750 $ 1,875,000
62 $ 20,625,000 $ 2,054,438 $ 179,438 $ 1,875,000
63 $ 18,750,000 $ 2,038,125 $ 163,125 $ 1,875,000
64 $ 16,875,000 $ 2,021,813 $ 146,813 $ 1,875,000
65 $ 15,000,000 $ 2,005,500 $ 130,500 $ 1,875,000
66 $ 13,125,000 $ 1,989,188 $ 114,188 $ 1,875,000
67 $ 11,250,000 $ 1,972,875 $ 97,875 $ 1,875,000
68 $ 9,375,000 $ 1,956,563 $ 81,563 $ 1,875,000
69 $ 7,500,000 $ 1,940,250 $ 65,250 $ 1,875,000
70 $ 5,625,000 $ 1,923,938 $ 48,938 $ 1,875,000
71 $ 3,750,000 $ 1,907,625 $ 32,625 $ 1,875,000
72 $ 1,875,000 $ 1,891,313 $ 16,313 $ 1,875,000
 o C, bajo la modalidad abono constante a capital. Asuman que el gradiente aritmético
o tamaño de la cuota? ¿Cuál sería el nuevo costo financiero? ¿Le favorecería esta situa

SALDO FINAL GRADIENTE

$ 133,125,000
$ 131,250,000 -$ 16,313
$ 129,375,000 -$ 16,313 TASA DE INTERES
$ 127,500,000 -$ 16,313 ANUALIDAD
$ 125,625,000 -$ 16,313 PLAZO
$ 123,750,000 -$ 16,313 GRADIENTE
$ 121,875,000 -$ 16,313
$ 120,000,000 -$ 16,313
$ 118,125,000 -$ 16,313 % DE REDUCCIÓN
$ 116,250,000 -$ 16,313 GRADIENTE REDUCIDO (G
$ 114,375,000 -$ 16,313
$ 112,500,000 -$ 16,313
$ 110,625,000 -$ 16,313
$ 108,750,000 -$ 16,313 CAPITAL (VP)
$ 106,875,000 -$ 16,313 TASA ANUAL
$ 105,000,000 -$ 16,313
$ 103,125,000 -$ 16,313
$ 101,250,000 -$ 16,313 ¿Cuál sería el nuevo tamaño de la cuota?
$ 99,375,000 -$ 16,313
$ 97,500,000 -$ 16,313 La primera sigue siendo igual pero las siguientes cuotas ahora
$ 95,625,000 -$ 16,313 no se reducen en $16.313 si no en $13.861
$ 93,750,000 -$ 16,313
$ 91,875,000 -$ 16,313 ¿Cuál sería el nuevo costo financiero?
$ 90,000,000 -$ 16,313
$ 88,125,000 -$ 16,313 El nuevo costo financiero es de 12,29% E.A es decir, se
$ 86,250,000 -$ 16,313 aumento en un 1,29%
$ 84,375,000 -$ 16,313
$ 82,500,000 -$ 16,313 ¿Le favorecería esta situación a la empresa?
$ 80,625,000 -$ 16,313
$ 78,750,000 -$ 16,313
$ 76,875,000 -$ 16,313
$ 75,000,000 -$ 16,313
$ 73,125,000 -$ 16,313
$ 71,250,000 -$ 16,313
$ 69,375,000 -$ 16,313
$ 67,500,000 -$ 16,313
$ 65,625,000 -$ 16,313
$ 63,750,000 -$ 16,313
$ 61,875,000 -$ 16,313
$ 60,000,000 -$ 16,313
$ 58,125,000 -$ 16,313
$ 56,250,000 -$ 16,313
$ 54,375,000 -$ 16,313
$ 52,500,000 -$ 16,313
$ 50,625,000 -$ 16,313
$ 48,750,000 -$ 16,313
$ 46,875,000 -$ 16,313
$ 45,000,000 -$ 16,313
$ 43,125,000 -$ 16,313
$ 41,250,000 -$ 16,313
$ 39,375,000 -$ 16,313
$ 37,500,000 -$ 16,313
$ 35,625,000 -$ 16,313
$ 33,750,000 -$ 16,313
$ 31,875,000 -$ 16,313
$ 30,000,000 -$ 16,313
$ 28,125,000 -$ 16,313
$ 26,250,000 -$ 16,313
$ 24,375,000 -$ 16,313
$ 22,500,000 -$ 16,313
$ 20,625,000 -$ 16,313
$ 18,750,000 -$ 16,313
$ 16,875,000 -$ 16,313
$ 15,000,000 -$ 16,313
$ 13,125,000 -$ 16,313
$ 11,250,000 -$ 16,313
$ 9,375,000 -$ 16,313
$ 7,500,000 -$ 16,313
$ 5,625,000 -$ 16,313
$ 3,750,000 -$ 16,313
$ 1,875,000 -$ 16,313
$ - -$ 16,313
Asuman que el gradiente aritmético
nanciero? ¿Le favorecería esta situación a la

0.97%
$ 3,049,500
72
$ 16,313

15.03%
$ 13,861

$135,000,000
12.29%

ría el nuevo tamaño de la cuota?

siendo igual pero las siguientes cuotas ahora

n $16.313 si no en $13.861

ería el nuevo costo financiero?

nanciero es de 12,29% E.A es decir, se

1,29%

cería esta situación a la empresa?

 Consideren la alternativa de crédito propuesta por el Banco C, bajo la modalida
gradiente aritmético decreciente se reduce en un 15,03%, ¿Cuál sería el nuevo
financiero? ¿Le favorecería esta situación a la empresa? Justifique su respuest
MODALIDAD ABONO CONSTANTE A CAPITAL
CAPITAL $ 135,000,000
TASA ANUAL 12.29%
TASA MENSUAL 0.97%
PLAZO (MESES) 72

PERIODO SALDO INICIAL CUOTA INTERÉS ABONO SALDO FINAL

1 $ 135,000,000 $3,184,500 $1,309,500 $1,875,000 $ 133,125,000
2 $ 133,125,000 $3,166,313 $1,291,313 $1,875,000 $ 131,250,000
3 $ 131,250,000 $3,148,125 $1,273,125 $1,875,000 $ 129,375,000
4 $ 129,375,000 $3,129,938 $1,254,938 $1,875,000 $ 127,500,000
5 $ 127,500,000 $3,111,750 $1,236,750 $1,875,000 $ 125,625,000
6 $ 125,625,000 $3,093,563 $1,218,563 $1,875,000 $ 123,750,000
7 $ 123,750,000 $3,075,375 $1,200,375 $1,875,000 $ 121,875,000
8 $ 121,875,000 $3,057,188 $1,182,188 $1,875,000 $ 120,000,000
9 $ 120,000,000 $3,039,000 $1,164,000 $1,875,000 $ 118,125,000
10 $ 118,125,000 $3,020,813 $1,145,813 $1,875,000 $ 116,250,000
11 $ 116,250,000 $3,002,625 $1,127,625 $1,875,000 $ 114,375,000
12 $ 114,375,000 $2,984,438 $1,109,438 $1,875,000 $ 112,500,000
13 $ 112,500,000 $2,966,250 $1,091,250 $1,875,000 $ 110,625,000
14 $ 110,625,000 $2,948,063 $1,073,063 $1,875,000 $ 108,750,000
15 $ 108,750,000 $2,929,875 $1,054,875 $1,875,000 $ 106,875,000
16 $ 106,875,000 $2,911,688 $1,036,688 $1,875,000 $ 105,000,000
17 $ 105,000,000 $2,893,500 $1,018,500 $1,875,000 $ 103,125,000
18 $ 103,125,000 $2,875,313 $1,000,313 $1,875,000 $ 101,250,000
19 $ 101,250,000 $2,857,125 $ 982,125 $1,875,000 $ 99,375,000
20 $ 99,375,000 $2,838,938 $ 963,938 $1,875,000 $ 97,500,000
21 $ 97,500,000 $2,820,750 $ 945,750 $1,875,000 $ 95,625,000
22 $ 95,625,000 $2,802,563 $ 927,563 $1,875,000 $ 93,750,000
23 $ 93,750,000 $2,784,375 $ 909,375 $1,875,000 $ 91,875,000
24 $ 91,875,000 $2,766,188 $ 891,188 $1,875,000 $ 90,000,000
25 $ 90,000,000 $2,748,000 $ 873,000 $1,875,000 $ 88,125,000
26 $ 88,125,000 $2,729,813 $ 854,813 $1,875,000 $ 86,250,000
27 $ 86,250,000 $2,711,625 $ 836,625 $1,875,000 $ 84,375,000
28 $ 84,375,000 $2,693,438 $ 818,438 $1,875,000 $ 82,500,000
29 $ 82,500,000 $2,675,250 $ 800,250 $1,875,000 $ 80,625,000
30 $ 80,625,000 $2,657,063 $ 782,063 $1,875,000 $ 78,750,000
31 $ 78,750,000 $2,638,875 $ 763,875 $1,875,000 $ 76,875,000
32 $ 76,875,000 $2,620,688 $ 745,688 $1,875,000 $ 75,000,000
33 $ 75,000,000 $2,602,500 $ 727,500 $1,875,000 $ 73,125,000
34 $ 73,125,000 $2,584,313 $ 709,313 $1,875,000 $ 71,250,000
35 $ 71,250,000 $2,566,125 $ 691,125 $1,875,000 $ 69,375,000
36 $ 69,375,000 $2,547,938 $ 672,938 $1,875,000 $ 67,500,000
37 $ 67,500,000 $2,529,750 $ 654,750 $1,875,000 $ 65,625,000
38 $ 65,625,000 $2,511,563 $ 636,563 $1,875,000 $ 63,750,000
39 $ 63,750,000 $2,493,375 $ 618,375 $1,875,000 $ 61,875,000
40 $ 61,875,000 $2,475,188 $ 600,188 $1,875,000 $ 60,000,000
41 $ 60,000,000 $2,457,000 $ 582,000 $1,875,000 $ 58,125,000
42 $ 58,125,000 $2,438,813 $ 563,813 $1,875,000 $ 56,250,000
43 $ 56,250,000 $2,420,625 $ 545,625 $1,875,000 $ 54,375,000
44 $ 54,375,000 $2,402,438 $ 527,438 $1,875,000 $ 52,500,000
45 $ 52,500,000 $2,384,250 $ 509,250 $1,875,000 $ 50,625,000
46 $ 50,625,000 $2,366,063 $ 491,063 $1,875,000 $ 48,750,000
47 $ 48,750,000 $2,347,875 $ 472,875 $1,875,000 $ 46,875,000
48 $ 46,875,000 $2,329,688 $ 454,688 $1,875,000 $ 45,000,000
49 $ 45,000,000 $2,311,500 $ 436,500 $1,875,000 $ 43,125,000
50 $ 43,125,000 $2,293,313 $ 418,313 $1,875,000 $ 41,250,000
51 $ 41,250,000 $2,275,125 $ 400,125 $1,875,000 $ 39,375,000
52 $ 39,375,000 $2,256,938 $ 381,938 $1,875,000 $ 37,500,000
53 $ 37,500,000 $2,238,750 $ 363,750 $1,875,000 $ 35,625,000
54 $ 35,625,000 $2,220,563 $ 345,563 $1,875,000 $ 33,750,000
55 $ 33,750,000 $2,202,375 $ 327,375 $1,875,000 $ 31,875,000
56 $ 31,875,000 $2,184,188 $ 309,188 $1,875,000 $ 30,000,000
57 $ 30,000,000 $2,166,000 $ 291,000 $1,875,000 $ 28,125,000
58 $ 28,125,000 $2,147,813 $ 272,813 $1,875,000 $ 26,250,000
59 $ 26,250,000 $2,129,625 $ 254,625 $1,875,000 $ 24,375,000
60 $ 24,375,000 $2,111,438 $ 236,438 $1,875,000 $ 22,500,000
61 $ 22,500,000 $2,093,250 $ 218,250 $1,875,000 $ 20,625,000
62 $ 20,625,000 $2,075,063 $ 200,063 $1,875,000 $ 18,750,000
63 $ 18,750,000 $2,056,875 $ 181,875 $1,875,000 $ 16,875,000
64 $ 16,875,000 $2,038,688 $ 163,688 $1,875,000 $ 15,000,000
65 $ 15,000,000 $2,020,500 $ 145,500 $1,875,000 $ 13,125,000
66 $ 13,125,000 $2,002,313 $ 127,313 $1,875,000 $ 11,250,000
67 $ 11,250,000 $1,984,125 $ 109,125 $1,875,000 $ 9,375,000
68 $ 9,375,000 $1,965,938 $ 90,938 $1,875,000 $ 7,500,000
69 $ 7,500,000 $1,947,750 $ 72,750 $1,875,000 $ 5,625,000
70 $ 5,625,000 $1,929,563 $ 54,563 $1,875,000 $ 3,750,000
71 $ 3,750,000 $1,911,375 $ 36,375 $1,875,000 $ 1,875,000
72 $ 1,875,000 $1,893,188 $ 18,188 $1,875,000 $ -
C, bajo la modalidad abono constante a capital. Asuman que el
Cuál sería el nuevo tamaño de la cuota? ¿Cuál sería el nuevo costo
tifique su respuesta.

GRADIENTE

-$ 18,188
-$ 18,188 TASA DE INTERES 0.97%
-$ 18,188 ANUALIDAD $ 3,184,500
-$ 18,188 PLAZO 72
-$ 18,188 GRADIENTE $ 18,188
-$ 18,188
-$ 18,188
-$ 18,188 % DE REDUCCIÓN 15.03%
-$ 18,188 GRADIENTE REDUCID $ 15,454
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188 CAPITAL (VP) $139,390,377
-$ 18,188 TASA ANUAL 12.29%
-$ 18,188
-$ 18,188
-$ 18,188 ¿Cuál sería el nuevo tamaño de la cuota?
-$ 18,188
La primera sigue siendo igual pero las
-$ 18,188 siguientes cuotas ahora no se reducen en
-$ 18,188 $16.313 si no en $13.861
-$ 18,188
-$ 18,188 ¿Cuál sería el nuevo costo financiero?
-$ 18,188
-$ 18,188 El nuevo costo financiero es de 12% E.A es decir, se aumento en un 1%
-$ 18,188
-$ 18,188
-$ 18,188 ¿Le favorecería esta situación a la empresa?
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188
-$ 18,188