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# El señor Manuel Tabares requiere de un crédito por \$250.000.

## 000, y tiene las siguientes alternativas

de financiación. ¿Cuál es la mejor?

a.    La cooperativa le concede una financiación de 60 cuotas mensuales con una tasa de interés del 0,79 %

F \$ 250,000,000
n 60 mesuales
i 0.79%
P ?
P= F/(1+i)^n \$ 155,916,937.75

n P I P \$ 155,916,937.75
1 \$ 155,916,937.75 \$ 1,231,743.81
2 \$ 157,148,681.56 \$ 1,241,474.58
3 \$ 158,390,156.14 \$ 1,251,282.23
4 \$ 159,641,438.38 \$ 1,261,167.36
5 \$ 160,902,605.74 \$ 1,271,130.59
6 \$ 162,173,736.33 \$ 1,281,172.52
7 \$ 163,454,908.84 \$ 1,291,293.78
8 \$ 164,746,202.62 \$ 1,301,495.00
9 \$ 166,047,697.62 \$ 1,311,776.81
10 \$ 167,359,474.44 \$ 1,322,139.85
11 \$ 168,681,614.28 \$ 1,332,584.75
12 \$ 170,014,199.04 \$ 1,343,112.17
13 \$ 171,357,311.21 \$ 1,353,722.76
14 \$ 172,711,033.97 \$ 1,364,417.17
15 \$ 174,075,451.14 \$ 1,375,196.06
16 \$ 175,450,647.20 \$ 1,386,060.11
17 \$ 176,836,707.31 \$ 1,397,009.99
18 \$ 178,233,717.30 \$ 1,408,046.37
19 \$ 179,641,763.67 \$ 1,419,169.93
20 \$ 181,060,933.60 \$ 1,430,381.38
21 \$ 182,491,314.98 \$ 1,441,681.39
22 \$ 183,932,996.36 \$ 1,453,070.67
23 \$ 185,386,067.04 \$ 1,464,549.93
24 \$ 186,850,616.96 \$ 1,476,119.87
25 \$ 188,326,736.84 \$ 1,487,781.22
26 \$ 189,814,518.06 \$ 1,499,534.69
27 \$ 191,314,052.75 \$ 1,511,381.02
28 \$ 192,825,433.77 \$ 1,523,320.93
29 \$ 194,348,754.70 \$ 1,535,355.16
30 \$ 195,884,109.86 \$ 1,547,484.47
31 \$ 197,431,594.33 \$ 1,559,709.60
32 \$ 198,991,303.92 \$ 1,572,031.30
33 \$ 200,563,335.22 \$ 1,584,450.35
34 \$ 202,147,785.57 \$ 1,596,967.51
35 \$ 203,744,753.08 \$ 1,609,583.55
36 \$ 205,354,336.63 \$ 1,622,299.26
37 \$ 206,976,635.88 \$ 1,635,115.42
38 \$ 208,611,751.31 \$ 1,648,032.84
39 \$ 210,259,784.14 \$ 1,661,052.29
40 \$ 211,920,836.44 \$ 1,674,174.61
41 \$ 213,595,011.05 \$ 1,687,400.59
42 \$ 215,282,411.63 \$ 1,700,731.05
43 \$ 216,983,142.69 \$ 1,714,166.83
44 \$ 218,697,309.51 \$ 1,727,708.75
45 \$ 220,425,018.26 \$ 1,741,357.64
46 \$ 222,166,375.90 \$ 1,755,114.37
47 \$ 223,921,490.27 \$ 1,768,979.77
48 \$ 225,690,470.04 \$ 1,782,954.71
49 \$ 227,473,424.76 \$ 1,797,040.06
50 \$ 229,270,464.81 \$ 1,811,236.67
51 \$ 231,081,701.49 \$ 1,825,545.44
52 \$ 232,907,246.93 \$ 1,839,967.25
53 \$ 234,747,214.18 \$ 1,854,502.99
54 \$ 236,601,717.17 \$ 1,869,153.57
55 \$ 238,470,870.74 \$ 1,883,919.88
56 \$ 240,354,790.61 \$ 1,898,802.85
57 \$ 242,253,593.46 \$ 1,913,803.39
58 \$ 244,167,396.85 \$ 1,928,922.44
59 \$ 246,096,319.28 \$ 1,944,160.92
60 \$ 248,040,480.21 \$ 1,959,519.79
VF \$ 250,000,000.00
guientes alternativas

## tasa de interés del 0,79 % MV.

\$ 250,000,000

I=?
El señor Manuel Tabares requiere de un crédito por \$250.000.000, y tiene las
siguientes alternativas de financiación. ¿Cuál es la mejor?

a.    Otro banco le presta el dinero con una tasa de interés del 9,7 % NABA,

P 250,000,000
i 9.70%
n 15 bimestres
F ?
F=P*(1+i)^n 1,002,396,225
I 752,396,225

n P I
1 250,000,000 24,250,000
2 274,250,000 26,602,250
3 300,852,250 29,182,668
4 330,034,918 32,013,387
5 362,048,305 35,118,686
6 397,166,991 38,525,198
7 435,692,189 42,262,142
8 477,954,331 46,361,570
9 524,315,902 50,858,642
10 575,174,544 55,791,931
11 630,966,475 61,203,748
12 692,170,223 67,140,512
13 759,310,734 73,653,141
14 832,963,876 80,797,496
15 913,761,372 88,634,853
VF 1,002,396,225

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