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P S/.15,000,000.00
n 24
g 5%
i 4%
c1 S/.1,500,000.00
PAGO
MESES CUOTA interes AMORTIZACION
0 S/.15,000,000.00 0 0
1 S/.1,500,000.00 S/.1,549,084.47 -S/.49,084.47
2 S/.1,575,000.00 S/.1,551,047.85 S/.23,952.15
3 S/.1,653,750.00 S/.1,550,089.76 S/.103,660.24
4 S/.1,736,437.50 S/.1,545,943.35 S/.190,494.15
5 S/.1,823,259.38 S/.1,538,323.59 S/.284,935.79
6 S/.1,914,422.34 S/.1,526,926.16 S/.387,496.19
7 S/.2,010,143.46 S/.1,511,426.31 S/.498,717.15
8 S/.2,110,650.63 S/.1,491,477.62 S/.619,173.01
9 S/.2,216,183.17 S/.1,466,710.70 S/.749,472.46
10 S/.2,326,992.32 S/.1,436,731.80 S/.890,260.52
11 S/.2,443,341.94 S/.1,401,121.38 S/.1,042,220.56
12 S/.2,565,509.04 S/.1,359,432.56 S/.1,206,076.48
13 S/.2,693,784.49 S/.1,311,189.50 S/.1,382,594.99
14 S/.2,828,473.71 S/.1,255,885.70 S/.1,572,588.01
15 S/.2,969,897.40 S/.1,192,982.18 S/.1,776,915.22
16 S/.3,118,392.27 S/.1,121,905.57 S/.1,996,486.70
17 S/.3,274,311.88 S/.1,042,046.10 S/.2,232,265.78
18 S/.3,438,027.48 S/.952,755.47 S/.2,485,272.00
19 S/.3,609,928.85 S/.853,344.59 S/.2,756,584.26
20 S/.3,790,425.29 S/.743,081.22 S/.3,047,344.07
21 S/.3,979,946.56 S/.621,187.46 S/.3,358,759.10
22 S/.4,178,943.89 S/.486,837.10 S/.3,692,106.79
23 S/.4,387,891.08 S/.339,152.82 S/.4,048,738.26
24 S/.4,607,285.63 S/.177,203.29 S/.4,430,082.34
una cuota inicial de S/ 15'000'000.00 y 24 cuotas mensuales que aumenta un 5% cada mes. Si
se cobra una tasa de inters del 4% mensual. Calcular el valor del prsamo y el valor de la
cuota 22.
SALDO
S/.38,727,111.74
S/.38,776,196.21
S/.38,752,244.06
S/.38,648,583.82
S/.38,458,089.68
S/.38,173,153.89
S/.37,785,657.70
S/.37,286,940.55
S/.36,667,767.53
S/.35,918,295.07
S/.35,028,034.55
S/.33,985,813.99
S/.32,779,737.51
S/.31,397,142.52
S/.29,824,554.51
S/.28,047,639.29
S/.26,051,152.60
S/.23,818,886.82
S/.21,333,614.81
S/.18,577,030.56
S/.15,529,686.48
S/.12,170,927.39
S/.8,478,820.60
S/.4,430,082.34
S/.0.00
n 5% cada mes. Si
y el valor de la
Se hacen depsitos trimestrales crecientes en un 5%, en una cuenta que paga el 5,25% efectivo trim
S/ 500 000 el 1 de enero de 1991. Si el primer depsito se hace el 1 de abril de 1988 y el ltimo el 1
del primer depsito.
G 5%
i 5.25% NO SE CONSIDERA LA AMORTIZACION PORQUE NO SE TR
F S/.500,000.00
n 11
n 6
g 1200
i 4.50%
p ###
jm 24%
m 12
tea 26.82%
Dada una tasa efectiva del 24% anual, hallar la tasa efectiva mensual equivalente.
tea 24%
m 12
jm 0.21705099
im(tasaefectiva de periodo) 1.81%
Del 18% efectivo trimestral encuentre la tasa nominal trimestral capitalizable mensualmente
tea 18%
m 3
jmT 17.017%
Del 24% nominal anual capitalizable anualmente, encuentre la tasa nominal trimestral capitalizable semes
jm 24%
m
0.12
a tasa efectiva anual.
mensualmente
METODO FRANCES
METODO AMERICANO
S/.7,940.09
CAP.VIVO CAP.AMORTIZACION
1000000 PERIODO
1000000 0
1000000 1
1000000 2
1000000 3
1000000 4
1000000 5
1000000 6
1000000 7
1000000 8
1000000 9
1000000 10
0 11
12
AMORTIZACION CAP.VIVO CAP.AMORTIZACION
S/.1,000,000.00
S/.83,333.33 S/.916,666.67 S/.83,333.33
S/.83,333.33 S/.833,333.33 S/.166,666.67
S/.83,333.33 S/.750,000.00 S/.250,000.00
S/.83,333.33 S/.666,666.67 S/.333,333.33
S/.83,333.33 S/.583,333.33 S/.416,666.67
S/.83,333.33 S/.500,000.00 S/.500,000.00
S/.83,333.33 S/.416,666.67 S/.583,333.33
S/.83,333.33 S/.333,333.33 S/.666,666.67
S/.83,333.33 S/.250,000.00 S/.750,000.00
S/.83,333.33 S/.166,666.67 S/.833,333.33
S/.83,333.33 S/.83,333.33 S/.916,666.67
S/.83,333.33 S/.0.00 S/.1,000,000.00
S/.1,000,000.00
i 7.55%
tea 7.84%
capitalizacioninteres nominTEA
anual 1 7.55% 7.55%
semestral 2 7.55% 7.69%
trimestral 4 7.55% 7.77%
bimestral 6 7.55% 7.79%
mensaual 12 7.55% 7.82%
semanal 52 7.55% 7.84%
diario 365 7.55% 7.84%
o es semanal y diario.
Usted solicit un prstamo de S/90000 en un banco local, acordando que pagar el prstamo de acuerdo con un plan de
pagos escalonados. Si su primer pago se fija en S/5500 cmo sera el pago restante a una tasa de prstamo del 12% por siete
aos?
P 90000
C1 5500
i 12%
n 7
G 47%
G 50
AO CUOTA VP
0 0 S/.0.00
1 100 S/.92.59
3 150 S/.119.07
5 200 S/.136.12
7 250 S/.145.87
9 300 S/.150.07
11 350 S/.150.11
P S/.793.84
8%.
Se financia un prstamo de S/15000 para contribuir a la educacin universitaria de una persona. Con base en una capitaliza
por 24 meses, el pago regular al fin de cada mes se establece en S/493.93. Cmo sera la tabla de Amortizacin?
ersona. Con base en una capitalizacin mensual
tabla de Amortizacin?
Cul es la suma de 10 depsitos anuales iguales que pueden dar
cinco retiros EN 5 AOS, el primero de S/3000 al final del ao 11 y
retiros posteriores que aumentan a una tasa del 6% anual
respecto del ao anterior, si
a) la tasa de inters es del 8% compuesto anual?
b) la tasa de inters es del 6% compuesto anual?
G 6%
AO CUOTA RETIRO INTERES SALDO
8% 6% 0 0 0
1 1073.60318 0 0 1073.60318
2 1073.60318 0 64.4161909 2211.62256
3 1073.60318 0 132.697353 3417.92309
4 1073.60318 0 205.075385 4696.60166
5 1073.60318 0 281.7961 6052.00094
6 1073.60318 0 363.120056 7488.72418
7 1073.60318 0 449.323451 9011.65081
8 1073.60318 0 540.699049 10625.953
9 1073.60318 0 637.557183 12337.1134
10 1073.60318 0 740.226805 14150.9434
11 3000 849.056604 12000
12 3180 720 9540
13 3371 572.4 6741.6
14 3573 404.496 3573.048
15 3787 214.38288 0
10736.0318
AO CUOTA RETIRO INTERES SALDO
0 0 0
1 1112.19837 0 0 1112.19837
2 1112.19837 0 88.9758693 2313.3726
3 1112.19837 0 138.802356 3564.37332
4 1112.19837 0 213.862399 4890.43409
5 1112.19837 0 293.426045 6296.0585
6 1112.19837 0 377.76351 7786.02038
7 1112.19837 0 467.161223 9365.37996
8 1112.19837 0 561.922798 11039.5011
9 1112.19837 0 662.370068 12814.0696
10 1112.19837 0 768.844174 14695.1121
11 3000 881.706726 12576.8188
12 3240 754.60913 10091.428
13 3499.2 605.485677 7197.71363
14 3779.136 431.862818 3850.44045
15 4081.46688 231.026427 0.00
11121.9837