Matematicas Financieras

1.
Desarrollar Tablas de inters simple
A. Aplicando la tasa de inters anual simple del 11,5% de un

crdito de $ 2.500.000.000 a 12 meses que le presta la
entidad A, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 12 meses?
INTERES SIMPLE
Valor actual $2,500,000,000 capital
Tasa de inters 11.5% anual
Tasa de inters 0.96% Mensual
Plazo (en meses) 12 N meses
Total intereses $287,500,000.00 Inters total producido
Capital final $2,787,500,000.00 Total capital + intereses
MESES CAPITAL INICIAL INTERES GENERADO

1 $2,500,000,000 $ 23,958,333
2 $2,500,000,000 $ 23,958,333
3 $2,500,000,000 $ 23,958,333
4 $2,500,000,000 $ 23,958,333
5 $2,500,000,000 $ 23,958,333
6 $2,500,000,000 $ 23,958,333
7 $2,500,000,000 $ 23,958,333
8 $2,500,000,000 $ 23,958,333
9 $2,500,000,000 $ 23,958,333
10 $2,500,000,000 $ 23,958,333
11 $2,500,000,000 $ 23,958,333
12 $2,500,000,000 $ 23,958,333
Total inters $287,500,000.00
C. Aplicando la tasa de inters anual simple del 12,7% de un

entidad B, cual es el valor de los intereses que debe pagar
C. Aplicando la tasa de inters anual simple del 12,7% de un
INTERES SIMPLE

1 $2,500,000,000 $ 13,229,167
2 $2,500,000,000 $ 13,229,167
3 $2,500,000,000 $ 13,229,167
4 $2,500,000,000 $ 13,229,167
5 $2,500,000,000 $ 13,229,167
6 $2,500,000,000 $ 13,229,167
7 $2,500,000,000 $ 13,229,167
8 $2,500,000,000 $ 13,229,167
9 $2,500,000,000 $ 13,229,167
10 $2,500,000,000 $ 13,229,167
11 $2,500,000,000 $ 13,229,167
12 $2,500,000,000 $ 13,229,167
13 $2,500,000,000 $ 13,229,167
14 $2,500,000,000 $ 13,229,167
15 $2,500,000,000 $ 13,229,167
16 $2,500,000,000 $ 13,229,167
17 $2,500,000,000 $ 13,229,167
18 $2,500,000,000 $ 13,229,167
19 $2,500,000,000 $ 13,229,167
20 $2,500,000,000 $ 13,229,167
21 $2,500,000,000 $ 13,229,167
22 $2,500,000,000 $ 13,229,167
23 $2,500,000,000 $ 13,229,167
24 $2,500,000,000 $ 13,229,167
Total inters $ 317,500,000
E. Aplicando la tasa de inters anual simple del 12,9% de un

entidad C, cual es el valor de los intereses que debe pagar
E. Aplicando la tasa de inters anual simple del 12,9% de un
INTERES SIMPLE


1 $2,500,000,000 $ 8,958,333
2 $2,500,000,000 $ 8,958,333
3 $2,500,000,000 $ 8,958,333
4 $2,500,000,000 $ 8,958,333
5 $2,500,000,000 $ 8,958,333
6 $2,500,000,000 $ 8,958,333
7 $2,500,000,000 $ 8,958,333
8 $2,500,000,000 $ 8,958,333
9 $2,500,000,000 $ 8,958,333
10 $2,500,000,000 $ 8,958,333
11 $2,500,000,000 $ 8,958,333
12 $2,500,000,000 $ 8,958,333
13 $2,500,000,000 $ 8,958,333
14 $2,500,000,000 $ 8,958,333
15 $2,500,000,000 $ 8,958,333
16 $2,500,000,000 $ 8,958,333
17 $2,500,000,000 $ 8,958,333
18 $2,500,000,000 $ 8,958,333
19 $2,500,000,000 $ 8,958,333
20 $2,500,000,000 $ 8,958,333
21 $2,500,000,000 $ 8,958,333
22 $2,500,000,000 $ 8,958,333
23 $2,500,000,000 $ 8,958,333
24 $2,500,000,000 $ 8,958,333
25 $2,500,000,000 $ 8,958,333
26 $2,500,000,000 $ 8,958,333
27 $2,500,000,000 $ 8,958,333
28 $2,500,000,000 $ 8,958,333
29 $2,500,000,000 $ 8,958,333
30 $2,500,000,000 $ 8,958,333
31 $2,500,000,000 $ 8,958,333
32 $2,500,000,000 $ 8,958,333
33 $2,500,000,000 $ 8,958,333
34 $2,500,000,000 $ 8,958,333
35 $2,500,000,000 $ 8,958,333
36 $2,500,000,000 $ 8,958,333
G. Aplicando la tasa de inters anual simple del 13,2% de un

entidad D, cual es el valor de los intereses que debe pagar
INTERES SIMPLE

1 $2,500,000,000 $ 6,875,000
2 $2,500,000,000 $ 6,875,000
3 $2,500,000,000 $ 6,875,000
4 $2,500,000,000 $ 6,875,000
5 $2,500,000,000 $ 6,875,000
6 $2,500,000,000 $ 6,875,000
7 $2,500,000,000 $ 6,875,000
8 $2,500,000,000 $ 6,875,000
9 $2,500,000,000 $ 6,875,000
10 $2,500,000,000 $ 6,875,000
11 $2,500,000,000 $ 6,875,000
12 $2,500,000,000 $ 6,875,000
13 $2,500,000,000 $ 6,875,000
14 $2,500,000,000 $ 6,875,000
15 $2,500,000,000 $ 6,875,000
16 $2,500,000,000 $ 6,875,000
17 $2,500,000,000 $ 6,875,000
18 $2,500,000,000 $ 6,875,000
19 $2,500,000,000 $ 6,875,000
20 $2,500,000,000 $ 6,875,000
21 $2,500,000,000 $ 6,875,000
22 $2,500,000,000 $ 6,875,000
23 $2,500,000,000 $ 6,875,000
24 $2,500,000,000 $ 6,875,000
25 $2,500,000,000 $ 6,875,000
26 $2,500,000,000 $ 6,875,000
27 $2,500,000,000 $ 6,875,000
28 $2,500,000,000 $ 6,875,000
29 $2,500,000,000 $ 6,875,000
30 $2,500,000,000 $ 6,875,000
31 $2,500,000,000 $ 6,875,000
32 $2,500,000,000 $ 6,875,000
33 $2,500,000,000 $ 6,875,000
34 $2,500,000,000 $ 6,875,000
35 $2,500,000,000 $ 6,875,000
36 $2,500,000,000 $ 6,875,000
37 $2,500,000,000 $ 6,875,000
38 $2,500,000,000 $ 6,875,000
39 $2,500,000,000 $ 6,875,000
40 $2,500,000,000 $ 6,875,000
41 $2,500,000,000 $ 6,875,000
42 $2,500,000,000 $ 6,875,000
43 $2,500,000,000 $ 6,875,000
44 $2,500,000,000 $ 6,875,000
45 $2,500,000,000 $ 6,875,000
46 $2,500,000,000 $ 6,875,000
47 $2,500,000,000 $ 6,875,000
48 $2,500,000,000 $ 6,875,000
I. Aplicando la tasa de inters anual simple del 14,3% de un

entidad E, cual es el valor de los intereses que debe pagar
I. Aplicando la tasa de inters anual simple del 14,3% de un
INTERES SIMPLE


1 $2,500,000,000 $ 5,958,333
2 $2,500,000,000 $ 5,958,333
3 $2,500,000,000 $ 5,958,333
4 $2,500,000,000 $ 5,958,333
5 $2,500,000,000 $ 5,958,333
6 $2,500,000,000 $ 5,958,333
7 $2,500,000,000 $ 5,958,333
8 $2,500,000,000 $ 5,958,333
9 $2,500,000,000 $ 5,958,333
10 $2,500,000,000 $ 5,958,333
11 $2,500,000,000 $ 5,958,333
12 $2,500,000,000 $ 5,958,333
13 $2,500,000,000 $ 5,958,333
14 $2,500,000,000 $ 5,958,333
15 $2,500,000,000 $ 5,958,333
16 $2,500,000,000 $ 5,958,333
17 $2,500,000,000 $ 5,958,333
18 $2,500,000,000 $ 5,958,333
19 $2,500,000,000 $ 5,958,333
20 $2,500,000,000 $ 5,958,333
21 $2,500,000,000 $ 5,958,333
22 $2,500,000,000 $ 5,958,333
23 $2,500,000,000 $ 5,958,333
24 $2,500,000,000 $ 5,958,333
25 $2,500,000,000 $ 5,958,333
26 $2,500,000,000 $ 5,958,333
27 $2,500,000,000 $ 5,958,333
28 $2,500,000,000 $ 5,958,333
29 $2,500,000,000 $ 5,958,333
30 $2,500,000,000 $ 5,958,333
31 $2,500,000,000 $ 5,958,333
32 $2,500,000,000 $ 5,958,333
33 $2,500,000,000 $ 5,958,333
34 $2,500,000,000 $ 5,958,333
35 $2,500,000,000 $ 5,958,333
36 $2,500,000,000 $ 5,958,333
37 $2,500,000,000 $ 5,958,333
38 $2,500,000,000 $ 5,958,333
39 $2,500,000,000 $ 5,958,333
40 $2,500,000,000 $ 5,958,333
41 $2,500,000,000 $ 5,958,333
42 $2,500,000,000 $ 5,958,333
43 $2,500,000,000 $ 5,958,333
44 $2,500,000,000 $ 5,958,333
45 $2,500,000,000 $ 5,958,333
46 $2,500,000,000 $ 5,958,333
47 $2,500,000,000 $ 5,958,333
48 $2,500,000,000 $ 5,958,333
49 $2,500,000,000 $ 5,958,333
50 $2,500,000,000 $ 5,958,333
51 $2,500,000,000 $ 5,958,333
52 $2,500,000,000 $ 5,958,333
53 $2,500,000,000 $ 5,958,333
54 $2,500,000,000 $ 5,958,333
55 $2,500,000,000 $ 5,958,333
56 $2,500,000,000 $ 5,958,333
57 $2,500,000,000 $ 5,958,333
58 $2,500,000,000 $ 5,958,333
59 $2,500,000,000 $ 5,958,333
60 $2,500,000,000 $ 5,958,333
as de inters simple y Tablas de inters compuesto
11,5% de un
B. Aplicando la tasa de inters efectiva
presta la
12 meses que le presta la entidad A,
debe pagar
compaa ENRECOL
12 meses?
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
CAPITAL FINAL ACUMULADO MESES
$ 2,500,000,000 $ 23,958,333 1
$ 2,500,000,000 $ 47,916,667 2
$ 2,500,000,000 $ 71,875,000 3
$ 2,500,000,000 $ 95,833,333 4
$ 2,500,000,000 $ 119,791,667 5
$ 2,500,000,000 $ 143,750,000 6
$ 2,500,000,000 $ 167,708,333 7
$ 2,500,000,000 $ 191,666,667 8
$ 2,500,000,000 $ 215,625,000 9
$ 2,500,000,000 $ 239,583,333 10
$ 2,500,000,000 $ 263,541,667 11
$ 2,500,000,000 $ 287,500,000 12
12,7% de un
D. Aplicando la tasa de
presta la
un crdito de $ 2.500.0
debe pagar
entidad B, cual es el va
24 meses?
la compaa ENRECOL
D. Aplicando la tasa de
entidad B, cual es el va
la compaa ENRECOL
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
$ 2,500,000,000 $ 13,229,167 1
$ 2,500,000,000 $ 26,458,333 2
$ 2,500,000,000 $ 39,687,500 3
$ 2,500,000,000 $ 52,916,667 4
$ 2,500,000,000 $ 66,145,833 5
$ 2,500,000,000 $ 79,375,000 6
$ 2,500,000,000 $ 92,604,167 7
$ 2,500,000,000 $ 105,833,333 8
$ 2,500,000,000 $ 119,062,500 9
$ 2,500,000,000 $ 132,291,667 10
$ 2,500,000,000 $ 145,520,833 11
$ 2,500,000,000 $ 158,750,000 12
$ 2,500,000,000 $ 171,979,167 13
$ 2,500,000,000 $ 185,208,333 14
$ 2,500,000,000 $ 198,437,500 15
$ 2,500,000,000 $ 211,666,667 16
$ 2,500,000,000 $ 224,895,833 17
$ 2,500,000,000 $ 238,125,000 18
$ 2,500,000,000 $ 251,354,167 19
$ 2,500,000,000 $ 264,583,333 20
$ 2,500,000,000 $ 277,812,500 21
$ 2,500,000,000 $ 291,041,667 22
$ 2,500,000,000 $ 304,270,833 23
$ 2,500,000,000 $ 317,500,000 24
12,9% de un F. Aplicando la tasa de

presta la un crdito de $ 2.500.0
debe pagar entidad C, cual es el va
36 meses? la compaa ENRECOL
F. Aplicando la tasa de
entidad C, cual es el va
la compaa ENRECOL
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
$ 2,500,000,000 $ 8,958,333 1
$ 2,500,000,000 $ 17,916,667 2
$ 2,500,000,000 $ 26,875,000 3
$ 2,500,000,000 $ 35,833,333 4
$ 2,500,000,000 $ 44,791,667 5
$ 2,500,000,000 $ 53,750,000 6
$ 2,500,000,000 $ 62,708,333 7
$ 2,500,000,000 $ 71,666,667 8
$ 2,500,000,000 $ 80,625,000 9
$ 2,500,000,000 $ 89,583,333 10
$ 2,500,000,000 $ 98,541,667 11
$ 2,500,000,000 $ 107,500,000 12
$ 2,500,000,000 $ 116,458,333 13
$ 2,500,000,000 $ 125,416,667 14
$ 2,500,000,000 $ 134,375,000 15
$ 2,500,000,000 $ 143,333,333 16
$ 2,500,000,000 $ 152,291,667 17
$ 2,500,000,000 $ 161,250,000 18
$ 2,500,000,000 $ 170,208,333 19
$ 2,500,000,000 $ 179,166,667 20
$ 2,500,000,000 $ 188,125,000 21
$ 2,500,000,000 $ 197,083,333 22
$ 2,500,000,000 $ 206,041,667 23
$ 2,500,000,000 $ 215,000,000 24
$ 2,500,000,000 $ 223,958,333 25
$ 2,500,000,000 $ 232,916,667 26
$ 2,500,000,000 $ 241,875,000 27
$ 2,500,000,000 $ 250,833,333 28
$ 2,500,000,000 $ 259,791,667 29
$ 2,500,000,000 $ 268,750,000 30
$ 2,500,000,000 $ 277,708,333 31
$ 2,500,000,000 $ 286,666,667 32
$ 2,500,000,000 $ 295,625,000 33
$ 2,500,000,000 $ 304,583,333 34
$ 2,500,000,000 $ 313,541,667 35
$ 2,500,000,000 $ 322,500,000 36
13,2% de un
H. Aplicando la tasa de inters efectiva
presta la
48 meses que le presta la entidad D,
debe pagar
compaa ENRECOL
48 meses?
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
$ 2,500,000,000 $ 6,875,000 1
$ 2,500,000,000 $ 13,750,000 2
$ 2,500,000,000 $ 20,625,000 3
$ 2,500,000,000 $ 27,500,000 4
$ 2,500,000,000 $ 34,375,000 5
$ 2,500,000,000 $ 41,250,000 6
$ 2,500,000,000 $ 48,125,000 7
$ 2,500,000,000 $ 55,000,000 8
$ 2,500,000,000 $ 61,875,000 9
$ 2,500,000,000 $ 68,750,000 10
$ 2,500,000,000 $ 75,625,000 11
$ 2,500,000,000 $ 82,500,000 12
$ 2,500,000,000 $ 89,375,000 13
$ 2,500,000,000 $ 96,250,000 14
$ 2,500,000,000 $ 103,125,000 15
$ 2,500,000,000 $ 110,000,000 16
$ 2,500,000,000 $ 116,875,000 17
$ 2,500,000,000 $ 123,750,000 18
$ 2,500,000,000 $ 130,625,000 19
$ 2,500,000,000 $ 137,500,000 20
$ 2,500,000,000 $ 144,375,000 21
$ 2,500,000,000 $ 151,250,000 22
$ 2,500,000,000 $ 158,125,000 23
$ 2,500,000,000 $ 165,000,000 24
$ 2,500,000,000 $ 171,875,000 25
$ 2,500,000,000 $ 178,750,000 26
$ 2,500,000,000 $ 185,625,000 27
$ 2,500,000,000 $ 192,500,000 28
$ 2,500,000,000 $ 199,375,000 29
$ 2,500,000,000 $ 206,250,000 30
$ 2,500,000,000 $ 213,125,000 31
$ 2,500,000,000 $ 220,000,000 32
$ 2,500,000,000 $ 226,875,000 33
$ 2,500,000,000 $ 233,750,000 34
$ 2,500,000,000 $ 240,625,000 35
$2,500,000,000 $ 247,500,000 36
$2,500,000,000 $ 254,375,000 37
$2,500,000,000 $ 261,250,000 38
$2,500,000,000 $ 268,125,000 39
$2,500,000,000 $ 275,000,000 40
$2,500,000,000 $ 281,875,000 41
$2,500,000,000 $ 288,750,000 42
$2,500,000,000 $ 295,625,000 43
$2,500,000,000 $ 302,500,000 44
$2,500,000,000 $ 309,375,000 45
$2,500,000,000 $ 316,250,000 46
$2,500,000,000 $ 323,125,000 47
$2,500,000,000 $ 330,000,000 48
14,3% de un J. Aplicando la tasa de

presta la un crdito de $ 2.500.0
debe pagar entidad E, cual es el va
60 meses? la compaa ENRECOL
J. Aplicando la tasa de
entidad E, cual es el va
la compaa ENRECOL
INTERES COMPU
Valor actual
Tasa de inters
Tasa de inters
Plazo (en meses)
Total intereses
Capital final
INTERES
$ 2,500,000,000 $ 5,958,333 1
$ 2,500,000,000 $ 11,916,667 2
$ 2,500,000,000 $ 17,875,000 3
$ 2,500,000,000 $ 23,833,333 4
$ 2,500,000,000 $ 29,791,667 5
$ 2,500,000,000 $ 35,750,000 6
$ 2,500,000,000 $ 41,708,333 7
$ 2,500,000,000 $ 47,666,667 8
$ 2,500,000,000 $ 53,625,000 9
$ 2,500,000,000 $ 59,583,333 10
$ 2,500,000,000 $ 65,541,667 11
$ 2,500,000,000 $ 71,500,000 12
$ 2,500,000,000 $ 77,458,333 13
$ 2,500,000,000 $ 83,416,667 14
$ 2,500,000,000 $ 89,375,000 15
$ 2,500,000,000 $ 95,333,333 16
$ 2,500,000,000 $ 101,291,667 17
$ 2,500,000,000 $ 107,250,000 18
$ 2,500,000,000 $ 113,208,333 19
$ 2,500,000,000 $ 119,166,667 20
$ 2,500,000,000 $ 125,125,000 21
$ 2,500,000,000 $ 131,083,333 22
$ 2,500,000,000 $ 137,041,667 23
$ 2,500,000,000 $ 143,000,000 24
$ 2,500,000,000 $ 148,958,333 25
$ 2,500,000,000 $ 154,916,667 26
$ 2,500,000,000 $ 160,875,000 27
$ 2,500,000,000 $ 166,833,333 28
$ 2,500,000,000 $ 172,791,667 29
$ 2,500,000,000 $ 178,750,000 30
$ 2,500,000,000 $ 184,708,333 31
$ 2,500,000,000 $ 190,666,667 32
$ 2,500,000,000 $ 196,625,000 33
$ 2,500,000,000 $ 202,583,333 34
$ 2,500,000,000 $ 208,541,667 35
$2,500,000,000 $ 214,500,000 36
$2,500,000,000 $ 220,458,333 37
$2,500,000,000 $ 226,416,667 38
$2,500,000,000 $ 232,375,000 39
$2,500,000,000 $ 238,333,333 40
$2,500,000,000 $ 244,291,667 41
$2,500,000,000 $ 250,250,000 42
$2,500,000,000 $ 256,208,333 43
$2,500,000,000 $ 262,166,667 44
$2,500,000,000 $ 268,125,000 45
$2,500,000,000 $ 274,083,333 46
$2,500,000,000 $ 280,041,667 47
$2,500,000,000 $ 286,000,000 48
$2,500,000,000 $ 291,958,333 49
$2,500,000,000 $ 297,916,667 50
$2,500,000,000 $ 303,875,000 51
$2,500,000,000 $ 309,833,333 52
$2,500,000,000 $ 315,791,667 53
$2,500,000,000 $ 321,750,000 54
$2,500,000,000 $ 327,708,333 55
$2,500,000,000 $ 333,666,667 56
$2,500,000,000 $ 339,625,000 57
$2,500,000,000 $ 345,583,333 58
$2,500,000,000 $ 351,541,667 59
$2,500,000,000 $ 357,500,000 60
la tasa de inters efectiva anual del 11,5% de un crdito de $ 2.500.000.000 a
que le presta la entidad A, cual es el valor de los intereses que debe pagar la
compaa ENRECOL S.A.S al trmino de los 12 meses?
INTERES COMPUESTO
$2,500,000,000 capital
11.5% anual
0.91% Mensual
12 N meses
Inters total
$287,484,472.32 producido
Total capital +
$2,787,484,472.32 intereses
CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL

$ 2,500,000,000 $ 22,780,000 $ 2,522,780,000
$ 2,522,780,000 $ 22,987,571 $ 2,545,767,571
$ 2,545,767,571 $ 23,197,034 $ 2,568,964,605
$ 2,568,964,605 $ 23,408,405 $ 2,592,373,011
$ 2,592,373,011 $ 23,621,703 $ 2,615,994,714
$ 2,615,994,714 $ 23,836,944 $ 2,639,831,658
$ 2,639,831,658 $ 24,054,146 $ 2,663,885,804
$ 2,663,885,804 $ 24,273,327 $ 2,688,159,131
$ 2,688,159,131 $ 24,494,506 $ 2,712,653,637
$ 2,712,653,637 $ 24,717,700 $ 2,737,371,337
$ 2,737,371,337 $ 24,942,928 $ 2,762,314,265
$ 2,762,314,265 $ 25,170,208 $ 2,787,484,472
Total inters $287,484,472
D. Aplicando la tasa de inters efectiva anual del 12,7% de

un crdito de $ 2.500.000.000 a 24 meses que le presta la
D. Aplicando la tasa de inters efectiva anual del 12,7% de
INTERES COMPUESTO
$2,500,000,000 capital
12.7% anual
1.00% Mensual
24 N meses
Inters total
$675,317,353.64 producido
Total capital +
$3,175,317,353.64 intereses

$2,500,000,000 $ 25,032,500 $ 2,525,032,500
$ 2,525,032,500 $ 25,283,150 $ 2,550,315,650
$ 2,550,315,650 $ 25,536,311 $ 2,575,851,961
$ 2,575,851,961 $ 25,792,006 $ 2,601,643,967
$ 2,601,643,967 $ 26,050,261 $ 2,627,694,228
$ 2,627,694,228 $ 26,311,102 $ 2,654,005,330
$ 2,654,005,330 $ 26,574,555 $ 2,680,579,885
$ 2,680,579,885 $ 26,840,646 $ 2,707,420,532
$ 2,707,420,532 $ 27,109,402 $ 2,734,529,934
$ 2,734,529,934 $ 27,380,848 $ 2,761,910,782
$ 2,761,910,782 $ 27,655,013 $ 2,789,565,794
$ 2,789,565,794 $ 27,931,922 $ 2,817,497,717
$ 2,817,497,717 $ 28,211,605 $ 2,845,709,321
$ 2,845,709,321 $ 28,494,087 $ 2,874,203,409
$ 2,874,203,409 $ 28,779,399 $ 2,902,982,808
$ 2,902,982,808 $ 29,067,567 $ 2,932,050,374
$ 2,932,050,374 $ 29,358,620 $ 2,961,408,995
$ 2,961,408,995 $ 29,652,588 $ 2,991,061,583
$ 2,991,061,583 $ 29,949,500 $ 3,021,011,083
$ 3,021,011,083 $ 30,249,384 $ 3,051,260,467
$ 3,051,260,467 $ 30,552,271 $ 3,081,812,738
$ 3,081,812,738 $ 30,858,191 $ 3,112,670,929
$ 3,112,670,929 $ 31,167,174 $ 3,143,838,103
$ 3,143,838,103 $ 31,479,251 $ 3,175,317,354
F. Aplicando la tasa de inters efectiva anual del 12,9% de

F. Aplicando la tasa de inters efectiva anual del 12,9% de
INTERES COMPUESTO
$2,500,000,000 capital
12.9% anual
1.02% Mensual
36 N meses
Inters total
$1,097,634,107.23 producido
Total capital +
$3,597,634,107.23 intereses

$2,500,000,000 $ 25,405,000 $ 2,525,405,000
$ 2,525,405,000 $ 25,663,166 $ 2,551,068,166
$ 2,551,068,166 $ 25,923,955 $ 2,576,992,120
$ 2,576,992,120 $ 26,187,394 $ 2,603,179,514
$ 2,603,179,514 $ 26,453,510 $ 2,629,633,024
$ 2,629,633,024 $ 26,722,331 $ 2,656,355,355
$ 2,656,355,355 $ 26,993,883 $ 2,683,349,238
$ 2,683,349,238 $ 27,268,195 $ 2,710,617,433
$ 2,710,617,433 $ 27,545,294 $ 2,738,162,728
$ 2,738,162,728 $ 27,825,210 $ 2,765,987,937
$ 2,765,987,937 $ 28,107,969 $ 2,794,095,907
$ 2,794,095,907 $ 28,393,603 $ 2,822,489,509
$ 2,822,489,509 $ 28,682,138 $ 2,851,171,648
$ 2,851,171,648 $ 28,973,606 $ 2,880,145,254
$ 2,880,145,254 $ 29,268,036 $ 2,909,413,290
$ 2,909,413,290 $ 29,565,458 $ 2,938,978,748
$ 2,938,978,748 $ 29,865,902 $ 2,968,844,650
$ 2,968,844,650 $ 30,169,399 $ 2,999,014,049
$ 2,999,014,049 $ 30,475,981 $ 3,029,490,030
$ 3,029,490,030 $ 30,785,678 $ 3,060,275,708
$ 3,060,275,708 $ 31,098,522 $ 3,091,374,230
$ 3,091,374,230 $ 31,414,545 $ 3,122,788,774
$ 3,122,788,774 $ 31,733,780 $ 3,154,522,554
$ 3,154,522,554 $ 32,056,258 $ 3,186,578,812
$ 3,186,578,812 $ 32,382,014 $ 3,218,960,826
$ 3,218,960,826 $ 32,711,080 $ 3,251,671,906
$ 3,251,671,906 $ 33,043,490 $ 3,284,715,396
$ 3,284,715,396 $ 33,379,278 $ 3,318,094,674
$ 3,318,094,674 $ 33,718,478 $ 3,351,813,152
$ 3,351,813,152 $ 34,061,125 $ 3,385,874,277
$ 3,385,874,277 $ 34,407,254 $ 3,420,281,531
$ 3,420,281,531 $ 34,756,901 $ 3,455,038,432
$ 3,455,038,432 $ 35,110,101 $ 3,490,148,533
$ 3,490,148,533 $ 35,466,889 $ 3,525,615,422
$ 3,525,615,422 $ 35,827,304 $ 3,561,442,726
$ 3,561,442,726 $ 36,191,381 $ 3,597,634,107
Total inters $ 1,097,634,107
o la tasa de inters efectiva anual del 13,2% de un crdito de $ 2.500.000.000 a

que le presta la entidad D, cual es el valor de los intereses que debe pagar la
compaa ENRECOL S.A.S al trmino de los 48 meses?
INTERES COMPUESTO
$2,500,000,000 capital
13.2% anual
1.04% Mensual
48 N meses
Inters total
$1,605,172,084.49 producido
Total capital +
$4,105,172,084.49 intereses

$2,500,000,000 $ 25,965,000 $ 2,525,965,000
$ 2,525,965,000 $ 26,234,672 $ 2,552,199,672
$ 2,552,199,672 $ 26,507,146 $ 2,578,706,818
$ 2,578,706,818 $ 26,782,449 $ 2,605,489,267
$ 2,605,489,267 $ 27,060,612 $ 2,632,549,879
$ 2,632,549,879 $ 27,341,663 $ 2,659,891,542
$ 2,659,891,542 $ 27,625,634 $ 2,687,517,175
$ 2,687,517,175 $ 27,912,553 $ 2,715,429,729
$ 2,715,429,729 $ 28,202,453 $ 2,743,632,182
$ 2,743,632,182 $ 28,495,364 $ 2,772,127,546
$ 2,772,127,546 $ 28,791,317 $ 2,800,918,863
$ 2,800,918,863 $ 29,090,343 $ 2,830,009,206
$ 2,830,009,206 $ 29,392,476 $ 2,859,401,681
$ 2,859,401,681 $ 29,697,746 $ 2,889,099,427
$ 2,889,099,427 $ 30,006,187 $ 2,919,105,614
$ 2,919,105,614 $ 30,317,831 $ 2,949,423,445
$ 2,949,423,445 $ 30,632,712 $ 2,980,056,157
$ 2,980,056,157 $ 30,950,863 $ 3,011,007,020
$ 3,011,007,020 $ 31,272,319 $ 3,042,279,339
$ 3,042,279,339 $ 31,597,113 $ 3,073,876,452
$ 3,073,876,452 $ 31,925,281 $ 3,105,801,733
$ 3,105,801,733 $ 32,256,857 $ 3,138,058,590
$ 3,138,058,590 $ 32,591,877 $ 3,170,650,466
$ 3,170,650,466 $ 32,930,376 $ 3,203,580,842
$ 3,203,580,842 $ 33,272,391 $ 3,236,853,233
$ 3,236,853,233 $ 33,617,958 $ 3,270,471,190
$ 3,270,471,190 $ 33,967,114 $ 3,304,438,304
$ 3,304,438,304 $ 34,319,896 $ 3,338,758,200
$ 3,338,758,200 $ 34,676,343 $ 3,373,434,543
$ 3,373,434,543 $ 35,036,491 $ 3,408,471,034
$ 3,408,471,034 $ 35,400,380 $ 3,443,871,414
$ 3,443,871,414 $ 35,768,049 $ 3,479,639,463
$ 3,479,639,463 $ 36,139,535 $ 3,515,778,998
$ 3,515,778,998 $ 36,514,881 $ 3,552,293,879
$ 3,552,293,879 $ 36,894,124 $ 3,589,188,003
$ 3,589,188,003 $ 37,277,307 $ 3,626,465,310
$ 3,626,465,310 $ 37,664,469 $ 3,664,129,778
$ 3,664,129,778 $ 38,055,652 $ 3,702,185,430
$ 3,702,185,430 $ 38,450,898 $ 3,740,636,328
$ 3,740,636,328 $ 38,850,249 $ 3,779,486,577
$ 3,779,486,577 $ 39,253,748 $ 3,818,740,325
$ 3,818,740,325 $ 39,661,437 $ 3,858,401,762
$ 3,858,401,762 $ 40,073,361 $ 3,898,475,122
$ 3,898,475,122 $ 40,489,563 $ 3,938,964,685
$ 3,938,964,685 $ 40,910,087 $ 3,979,874,772
$ 3,979,874,772 $ 41,334,979 $ 4,021,209,752
$ 4,021,209,752 $ 41,764,284 $ 4,062,974,036
$ 4,062,974,036 $ 42,198,048 $ 4,105,172,084
Total inters $ 1,605,172,084
J. Aplicando la tasa de inters efectiva anual del 14,3% de

J. Aplicando la tasa de inters efectiva anual del 14,3% de
INTERES COMPUESTO
$2,500,000,000 capital
14.3% anual
1.12% Mensual
60 N meses
Inters total
$2,377,122,510.67 producido
Total capital +
$4,877,122,510.67 intereses

$2,500,000,000 $ 28,000,000 $ 2,528,000,000
$ 2,528,000,000 $ 28,313,600 $ 2,556,313,600
$ 2,556,313,600 $ 28,630,712 $ 2,584,944,312
$ 2,584,944,312 $ 28,951,376 $ 2,613,895,689
$ 2,613,895,689 $ 29,275,632 $ 2,643,171,320
$ 2,643,171,320 $ 29,603,519 $ 2,672,774,839
$ 2,672,774,839 $ 29,935,078 $ 2,702,709,917
$ 2,702,709,917 $ 30,270,351 $ 2,732,980,268
$ 2,732,980,268 $ 30,609,379 $ 2,763,589,647
$ 2,763,589,647 $ 30,952,204 $ 2,794,541,851
$ 2,794,541,851 $ 31,298,869 $ 2,825,840,720
$ 2,825,840,720 $ 31,649,416 $ 2,857,490,136
$ 2,857,490,136 $ 32,003,890 $ 2,889,494,026
$ 2,889,494,026 $ 32,362,333 $ 2,921,856,359
$ 2,921,856,359 $ 32,724,791 $ 2,954,581,150
$ 2,954,581,150 $ 33,091,309 $ 2,987,672,459
$ 2,987,672,459 $ 33,461,932 $ 3,021,134,391
$ 3,021,134,391 $ 33,836,705 $ 3,054,971,096
$ 3,054,971,096 $ 34,215,676 $ 3,089,186,772
$ 3,089,186,772 $ 34,598,892 $ 3,123,785,664
$ 3,123,785,664 $ 34,986,399 $ 3,158,772,063
$ 3,158,772,063 $ 35,378,247 $ 3,194,150,310
$ 3,194,150,310 $ 35,774,483 $ 3,229,924,794
$ 3,229,924,794 $ 36,175,158 $ 3,266,099,952
$ 3,266,099,952 $ 36,580,319 $ 3,302,680,271
$ 3,302,680,271 $ 36,990,019 $ 3,339,670,290
$ 3,339,670,290 $ 37,404,307 $ 3,377,074,597
$ 3,377,074,597 $ 37,823,235 $ 3,414,897,833
$ 3,414,897,833 $ 38,246,856 $ 3,453,144,688
$ 3,453,144,688 $ 38,675,221 $ 3,491,819,909
$ 3,491,819,909 $ 39,108,383 $ 3,530,928,292
$ 3,530,928,292 $ 39,546,397 $ 3,570,474,689
$ 3,570,474,689 $ 39,989,317 $ 3,610,464,005
$ 3,610,464,005 $ 40,437,197 $ 3,650,901,202
$ 3,650,901,202 $ 40,890,093 $ 3,691,791,296
$ 3,691,791,296 $ 41,348,063 $ 3,733,139,358
$ 3,733,139,358 $ 41,811,161 $ 3,774,950,519
$ 3,774,950,519 $ 42,279,446 $ 3,817,229,965
$ 3,817,229,965 $ 42,752,976 $ 3,859,982,940
$ 3,859,982,940 $ 43,231,809 $ 3,903,214,749
$ 3,903,214,749 $ 43,716,005 $ 3,946,930,755
$ 3,946,930,755 $ 44,205,624 $ 3,991,136,379
$ 3,991,136,379 $ 44,700,727 $ 4,035,837,106
$ 4,035,837,106 $ 45,201,376 $ 4,081,038,482
$ 4,081,038,482 $ 45,707,631 $ 4,126,746,113
$ 4,126,746,113 $ 46,219,556 $ 4,172,965,669
$ 4,172,965,669 $ 46,737,215 $ 4,219,702,885
$ 4,219,702,885 $ 47,260,672 $ 4,266,963,557
$ 4,266,963,557 $ 47,789,992 $ 4,314,753,549
$ 4,314,753,549 $ 48,325,240 $ 4,363,078,789
$ 4,363,078,789 $ 48,866,482 $ 4,411,945,271
$ 4,411,945,271 $ 49,413,787 $ 4,461,359,058
$ 4,461,359,058 $ 49,967,221 $ 4,511,326,280
$ 4,511,326,280 $ 50,526,854 $ 4,561,853,134
$ 4,561,853,134 $ 51,092,755 $ 4,612,945,889
$ 4,612,945,889 $ 51,664,994 $ 4,664,610,883
$ 4,664,610,883 $ 52,243,642 $ 4,716,854,525
$ 4,716,854,525 $ 52,828,771 $ 4,769,683,296
$ 4,769,683,296 $ 53,420,453 $ 4,823,103,749
$ 4,823,103,749 $ 54,018,762 $ 4,877,122,511
Total inters $ 2,377,122,511
2. La compaa ENRECOL S.A.S. desea conocer
A.Qu tasa efectiva le liquida la entidad A, por un prstamo que se pactara al

11,5% de inters anual convertible semestralmente?
Tasa Efectiva
Plazo 2 N Semestral
C. Qu tasa efectiva le liquida la entidad C, por un prstamo que se pactara al

12,9% de inters anual convertible trimestralmente?
Tasa Efectiva
Plazo 4 N Trimestral
E. Qu tasa efectiva le liquida la entidad E, por un prstamo que se pactara al

14,3% de inters anual convertible bimensualmente?
Tasa Efectiva
Plazo 24 N Bimensual
?
F= valor futuro
r= tasa de interes nominal anual
n= numero de subperiodos
r/n= 0115/2= 0.0575
F= p(1+r/n)n
2.500.000.000(1+0.0575)2
F=2795.765.625
I=F-P
2295.765.625-2500.000.000=295765625.
i=I/P 295.765.625/2500.000.000 =0.1183X100= 11.83%
0.0575
3. Cuadro comparativo de altern
Propuesta de crdito Monto del crdito
Entidad A $2,500,000,000
Entidad B $2,500,000,000
Entidad C $2,500,000,000
Entidad D $2,500,000,000
Entidad E $2,500,000,000
Entidad F $2,500,000,000
Entidad G $2,500,000,000
Entidad H $2,500,000,000
Entidad I $2,500,000,000
Entidad J $2,500,000,000
. Cuadro comparativo de alternativas de financiacin
Tipo de tasa de Tasa de

Tiempo del crdito
inters inters %
12 Anual Simple 11.5%

12 Efectiva Anual 11.5%
acin
Valor de los intereses

generados
$287,500,000.00
$287,484,472.32
$317,500,000.00
$675,317,353.64
$322,500,000.00
$1,097,634,107.23
$330,000,000.00
$1,605,172,084.49
$357,500,000.00
$2,377,122,510.67

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1.

Desarrollar Tablas de inters simple

A. Aplicando la tasa de inters anual simple del 11,5% de un

Tasa de inters 0.96% Mensual

Plazo (en meses) 12 N meses

Total intereses $287,500,000.00 Inters total producido

Capital final $2,787,500,000.00 Total capital + intereses

MESES CAPITAL INICIAL INTERES GENERADO

C. Aplicando la tasa de inters anual simple del 12,7% de un

Total intereses $317,500,000.00 Inters total producido

Capital final $2,817,500,000.00 Total capital + intereses

MESES CAPITAL INICIAL INTERES GENERADO

E. Aplicando la tasa de inters anual simple del 12,9% de un

Valor actual $2,500,000,000 capital

Total intereses $322,500,000.00 Inters total producido

Capital final $2,822,500,000.00 Total capital + intereses

MESES CAPITAL INICIAL INTERES GENERADO

G. Aplicando la tasa de inters anual simple del 13,2% de un

Total intereses $330,000,000.00 Inters total producido

Capital final $2,830,000,000.00 Total capital + intereses

MESES CAPITAL INICIAL INTERES GENERADO

I. Aplicando la tasa de inters anual simple del 14,3% de un

Valor actual $2,500,000,000 capital

Plazo (en meses) 60 N meses

Total intereses $357,500,000.00 Inters total producido

Capital final $2,857,500,000.00 Total capital + intereses

MESES CAPITAL INICIAL INTERES GENERADO

Plazo (en meses)

12,9% de un F. Aplicando la tasa de

14,3% de un J. Aplicando la tasa de

Plazo (en meses)

CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL

D. Aplicando la tasa de inters efectiva anual del 12,7% de

CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL

F. Aplicando la tasa de inters efectiva anual del 12,9% de

CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL

o la tasa de inters efectiva anual del 13,2% de un crdito de $ 2.500.000.000 a

CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL

J. Aplicando la tasa de inters efectiva anual del 14,3% de

CAPITAL INICIAL INTERES GENERADO CAPITAL FINAL

A.Qu tasa efectiva le liquida la entidad A, por un prstamo que se pactara al

C. Qu tasa efectiva le liquida la entidad C, por un prstamo que se pactara al

E. Qu tasa efectiva le liquida la entidad E, por un prstamo que se pactara al

Propuesta de crdito Monto del crdito

Tipo de tasa de Tasa de

12 Anual Simple 11.5%

Valor de los intereses

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