EJERCICIO EXPLICATIVO

2%

1 $ 1,000,000 $ 20,000 $ 1,020,000

2 $ 1,000,000 $ 20,000 $ 1,040,000
3 $ 1,000,000 $ 20,000 $ 1,060,000 CAPITAL
4 $ 1,000,000 $ 20,000 $ 1,080,000 INTERES
5 $ 1,000,000 $ 20,000 $ 1,100,000 MESES
6 $ 1,000,000 $ 20,000 $ 1,120,000
7 $ 1,000,000 $ 20,000 $ 1,140,000 FORMULA LOGICA
8 $ 1,000,000 $ 20,000 $ 1,160,000
9 $ 1,000,000 $ 20,000 $ 1,180,000 $ 145,000
10 $ 1,000,000 $ 20,000 $ 1,200,000
11 $ 1,000,000 $ 20,000 $ 1,220,000
12 $ 1,000,000 $ 20,000 $ 1,240,000
 $ 100,000
3%
18

ULA LOGICA
 INTERES 2%
VF. PLAN
0 $ 1,000,000
1 $ 1,000,000 $ 20,000 $ 1,020,000 1 2.0%
2 $ 1,020,000 $ 20,400 $ 1,040,400 2 2.0%
3 $ 1,040,400 $ 20,808 $ 1,061,208 3 2.0%
4 $ 1,061,208 $ 21,224 $ 1,082,432 4 2.0%
5 $ 1,082,432 $ 21,649 $ 1,104,081 5 2.0%
6 $ 1,104,081 $ 22,082 $ 1,126,162 6 2.0%
7 $ 1,126,162 $ 22,523 $ 1,148,686 7 2.0%
8 $ 1,148,686 $ 22,974 $ 1,171,659 8 2.0%
9 $ 1,171,659 $ 23,433 $ 1,195,093 9 2.0%
10 $ 1,195,093 $ 23,902 $ 1,218,994 10 2.0%
11 $ 1,218,994 $ 24,380 $ 1,243,374 11 2.0%
12 $ 1,243,374 $ 24,867 $ 1,268,242 12 2.0%
 ACOMULANDO
$ 1,000,000 2%
$ 1,020,000 2%
$ 1,040,400 2%
$ 1,061,208 2%
$ 1,082,432 2%
$ 1,104,081 2%
$ 1,126,162 2%
$ 1,148,686 2%
$ 1,171,659 2%
$ 1,195,093 2%
$ 1,218,994 2%
$ 1,243,374 2%
$ 1,268,242 $ 1,268,242 2%
PRESTAMO $ 20,000,000
INTERESES 2% MES CUOTA CAPITAL
MESES 12 0 $ 20,000,000
VLR CUOTA $ 1,891,191.93 1 $ 1,891,191.93 $ 18,508,808
2 $ 1,891,191.93 $ 16,987,792
3 $ 1,891,191.93 $ 15,436,356
4 $ 1,891,191.93 $ 13,853,891
5 $ 1,891,191.93 $ 12,239,777
6 $ 1,891,191.93 $ 10,593,381
7 $ 1,891,191.93 $ 8,914,057
8 $ 1,891,191.93 $ 7,201,146
9 $ 1,891,191.93 $ 5,453,977
10 $ 1,891,191.93 $ 3,671,864
11 $ 1,891,191.93 $ 1,854,110
12 $ 1,891,191.93 $ -
 INTERES ABONO

$ 400,000 $ 1,491,191.93
$ 370,176 $ 1,521,015.77
$ 339,756 $ 1,551,436.09
$ 308,727 $ 1,582,464.81
$ 277,078 $ 1,614,114.10
$ 244,796 $ 1,646,396.39
$ 211,868 $ 1,679,324.31
$ 178,281 $ 1,712,910.80
$ 144,023 $ 1,747,169.02
$ 109,080 $ 1,782,112.40
$ 73,437 $ 1,817,754.64
$ 37,082 $ 1,854,109.74
PRESTAMO $ 7,000,000
INTERES 2%
MESES 18
VLR CUOTA $ 466,914.72 $ 466,914.72 $ 466,915 $ 4,000,000
6 $ 6
12 $ 12
18 $ 18
24 $ 24
36 $ 36
48 $ 48
$ 5,000,000 $ 6,000,000 $ 7,000,000 $ 8,000,000 $ 9,000,000
INTERES 2%

0
1 $ 100,000 $ 100,000
2 $ 100,000 $ 102,000 $ 202,000
3 $ 100,000 $ 206,040 $ 306,040
4 $ 100,000 $ 312,161 $ 412,161
5 $ 100,000 $ 420,404 $ 520,404
6 $ 100,000 $ 530,812 $ 630,812
7 $ 100,000 $ 643,428 $ 743,428
8 $ 100,000 $ 758,297 $ 858,297
9 $ 100,000 $ 875,463 $ 975,463
10 $ 100,000 $ 994,972 $ 1,094,972
11 $ 100,000 $ 1,116,872 $ 1,216,872
12 $ 100,000 $ 1,341,208.97 $ 1,241,209 $ 1,341,209
 VNA VA
0 $ 1,057,534 $ 1,057,534 CREDITO
1 $ 100,000 MESES
2 $ 100,000 INTERES
3 $ 100,000 CUOTA
4 $ 100,000
5 $ 100,000
6 $ 100,000
7 $ 100,000
8 $ 100,000
9 $ 100,000
10 $ 100,000
11 $ 100,000
12 $ 100,000 $ 1,341,208.97
$ 1,057,534 VNA VA
12 0 $ 1,057,534.12 $ 1,057,534.12
2% 1 $ 100,000
$ 100,000 2 $ 100,000
3 $ 100,000
4 $ 100,000
5 $ 100,000
6 $ 100,000
7 $ 100,000
8 $ 100,000
9 $ 100,000
10 $ 100,000
11 $ 100,000
12 $ 100,000
 6 MESES $ 4,000,000
INTERES 0.5% MV 0 $ 3,882,072.31
CUOTA $ 658,381.82 1 $ 658,381.82
CUANTO DEBO AHORRAR MENSUALMENTE 2 $ 658,382
CUANTA PLATA DEBO DEJAR EN EL BANCO 3 $ 658,382
$ 3,882,072.31 4 $ 658,382
5 $ 658,382
6 $ 658,382

CUAL ES LA TASA QUE ESTOY PAGANDO 0 $ 1,350,000

1
TIR 2
TASA 3
4
5
6
 VA
$ 3,882,072.31

CUANTAS CUOTAS ES FUNCION PAGO

TV $ 4,500,000 $ 3,150,000
INICIAL 30%
MESES 6
INTERESES 2.54%
CUOTA $ 703,768.12 $ 572,647.69
VA
$ 3,150,000
TV $ 5,600,000 TV $ 5,600,000
CUOTAS $ 467,900 CUOTAS 12
MESES 12 MESES 12 NPR

INTERES 0.041% INTERES 0.041%

NEVERA $ 6,700,000 MESES CUOTA CAPITAL

MESES 12 0 $ 6,700,000
INTERES 2.56% MV 1 $ 655,538.91 $ 6,215,981.09
CUOTA $ 655,538.91 2 $ 655,538.91 $ 5,719,571.30
3 $ 655,538.91 $ 5,210,453.42
4 $ 655,538.91 $ 4,688,302.12
5 $ 655,538.91 $ 4,152,783.75
6 $ 655,538.91 $ 3,603,556.11
7 $ 655,538.91 $ 3,040,268.24
8 $ 655,538.91 $ 2,462,560.20
9 $ 655,538.91 $ 1,870,062.83
10 $ 655,538.91 $ 1,262,397.53
11 $ 655,538.91 $ 639,176.00
12 $ 655,538.91 $ -
INTERES ABONO

$ 171,520.00 $ 484,018.91
$ 159,129.12 $ 496,409.79
$ 146,421.03 $ 509,117.88
$ 133,387.61 $ 522,151.30
$ 120,020.53 $ 535,518.37
$ 106,311.26 $ 549,227.64
$ 92,251.04 $ 563,287.87
$ 77,830.87 $ 577,708.04
$ 63,041.54 $ 592,497.37
$ 47,873.61 $ 607,665.30
$ 32,317.38 $ 623,221.53
$ 16,362.91 $ 639,176.00

$ 1,166,466.88
MES SALDO INICIAL TASA SALDO FINAL
1 $ 100,000 2% $ 102,000.0
2 $ 102,000 2% $ 104,040.0
3 $ 104,040 2% $ 106,120.8 EFECTIVO ANUAL
4 $ 106,121 2% $ 108,243.2 2%
5 $ 108,243 2% $ 110,408.1 26.82%
6 $ 110,408 2% $ 112,616.2
7 $ 112,616 2% $ 114,868.6
8 $ 114,869 2% $ 117,165.9
9 $ 117,166 2% $ 119,509.3
10 $ 119,509 2% $ 121,899.4
11 $ 121,899 2% $ 124,337.4
12 $ 124,337 2% $ 126,824.2

24% NOMINAL
NOMINAL= ANUAL
NOMINAL CAPITALIZABLE MES VENCIDO

NOMINAL TRIMESTRAL=
MV
EFEC ANUAL

CUAL ES LA TASA TRIMESTRAL VENCIDA EQUIVALENTE AL 2% MENSUAL

###

6,12% TRIMESTRE VENCIDO ES EQUIVALENTE A QUE TASA EFECTIVA ANUAL?

26.82%

2% MES VENCIDO ES QUIVALENTE A QUE TASA SEMESTRAL

12.62%
 MES AÑO 1) QUE TASA TRIMESTRE VENCIDO ES EQUIVA

2% 26.82% TV
6.12%
AÑO MES
QUE TASA NOMINAL TRIMESTRAL ES EQUIVA
2.00%
TN

24.48%
6/18/2020

TASA 2.20% MV 6.75% FORMULADO

6.75% VF

TASA 2.20% MV 6.75%

26.99% NOMINAL TRIMESTRAL

TASA 26.99% N Trimestral 29.84% Ef, anual

TASA 26.99% EF ANUAL 12.69% MES VENCIDO

RIMESTRE VENCIDO ES EQUIVALENTE AL 6,62% SEMESTRE VENCIDO

SV
12.62%

MINAL TRIMESTRAL ES EQUIVALENTE AL 6,12% A TRIMESTRE VENCIDO

TV

6.12%
COMPUTADOR $ 1,879,000 MES CUOTA CAPITAL INTERES
MESES 6 0 $ 1,879,000
INTERES 27.30% EFEC ANUAL 1 $ 335,810.49 $ 1,581,368 $ 38,178
CUOTA $ 335,810.49 2 $ 335,810.49 $ 1,277,688 $ 32,131
INTERS MV 2.03% TASA MENSUAL 3 $ 335,810.49 $ 967,838 $ 25,961
4 $ 335,810.49 $ 651,692 $ 19,665
5 $ 335,810.49 $ 329,123 $ 13,241
6 $ 335,810.49 $ - $ 6,687

SEMESTRE $ 5,000,000
MESES 6
INTERESES 1.50%

$ 802,626.07
ABONO

$ 297,632
$ 303,680
$ 309,850
$ 316,146
$ 322,569
$ 329,123
PRESTAMO $ 12,000,000 GRADIENTE MATEMATICO
MESES 12 0 $ 12,000,000.00 $ 12,000,000.00
TASA INTERES 2.10% 1 $ 1,141,695 $ 700,000
CUOTA $ 1,141,695 2 $ 1,141,695 $ 784,091
3 $ 1,141,695 $ 868,182
$ 84,091 4 $ 1,141,695 $ 952,272
5 $ 1,141,695 $ 1,036,363
6 $ 1,141,695 $ 1,120,454
7 $ 1,141,695 $ 1,204,545
8 $ 1,141,695 $ 1,288,636
9 $ 1,141,695 $ 1,372,727
10 $ 1,141,695 $ 1,456,817
11 $ 1,141,695 $ 1,540,908
12 $ 1,141,695 $ 1,624,999
GRADIENTE= VARIACION
 8.87%
GRADIENTE GEOMETRICO
$ 12,000,000
$ 700,000
$ 762,079
$ 829,663
$ 903,241
$ 983,345
$ 1,070,552
$ 1,165,493
$ 1,268,854
$ 1,381,381
$ 1,503,888
$ 1,637,259
$ 1,782,458
RADIENTE= VARIACION
PRESTAMO $ 12,000,000
MESES 12 0 $ 12,000,000.00
TASA INTERES 2.10% 1 $ 1,141,695
CUOTA $ 1,141,695 2 $ 1,141,695
3 $ 1,141,695
$ 84,091 4 $ 1,141,695
5 $ 1,141,695
6 $ 1,141,695
7 $ 1,141,695
8 $ 1,141,695
9 $ 1,141,695
10 $ 1,141,695
11 $ 1,141,695
12 $ 1,141,695

TABLAS DE AMORTIZACION
MES CUOTA CAPITAL INTERES ABONO
0 $ 12,000,000
1 $ 1,141,695 $ 11,110,305 $ 252,000 $ 889,695
2 $ 1,141,695 $ 10,201,926 $ 233,316 $ 908,379
3 $ 1,141,695 $ 9,274,471 $ 214,240 $ 927,455
4 $ 1,141,695 $ 8,327,539 $ 194,764 $ 946,932
5 $ 1,141,695 $ 7,360,722 $ 174,878 $ 966,817
6 $ 1,141,695 $ 6,373,602 $ 154,575 $ 987,120
7 $ 1,141,695 $ 5,365,752 $ 133,846 $ 1,007,850
8 $ 1,141,695 $ 4,336,737 $ 112,681 $ 1,029,015
9 $ 1,141,695 $ 3,286,113 $ 91,071 $ 1,050,624
10 $ 1,141,695 $ 2,213,426 $ 69,008 $ 1,072,687
11 $ 1,141,695 $ 1,118,213 $ 46,482 $ 1,095,213
12 $ 1,141,695 $ - $ 23,482 $ 1,118,213

$ 1,700,345
 8.87%
GRADIENTE MATEMATICO GRADIENTE GEOMETRICO
$ 12,000,000.00 $ 12,000,000 0
$ 700,000 $ 700,000 1
$ 784,091 $ 762,079 2
$ 868,182 $ 829,663 $ 88,655 3
$ 952,272 $ 903,241 4
$ 1,036,363 $ 983,345 9.23% 5
$ 1,120,454 $ 1,070,552 6
$ 1,204,545 $ 1,165,493 7
$ 1,288,636 $ 1,268,854 8
$ 1,372,727 $ 1,381,381 9
$ 1,456,817 $ 1,503,888 10
$ 1,540,908 $ 1,637,259 11
$ 1,624,999 $ 1,782,458 12
GRADIENTE= VARIACION 13
 GRAD MATEMATICO GRAD GEOMETRICO
$ 12,000,000.00 $ 12,000,000.00 $ 12,000,000.00
$ - $ - $ -
$ 1,141,695 $ 700,000 $ 700,000
$ 1,141,695 $ 788,655 $ 764,606.5
$ 1,141,695 $ 877,311 $ 835,175.9
$ 1,141,695 $ 965,966 $ 912,258.4
$ 1,141,695 $ 1,054,621 $ 996,455.3
$ 1,141,695 $ 1,143,277 $ 1,088,423.2
$ 1,141,695 $ 1,231,932 $ 1,188,879.2
$ 1,141,695 $ 1,320,587 $ 1,298,606.8
$ 1,141,695 $ 1,409,243 $ 1,418,461.8
$ 1,141,695 $ 1,497,898 $ 1,549,378.7
$ 1,141,695 $ 1,586,553 $ 1,692,378.6
$ 1,141,695 $ 1,675,209 $ 1,848,576.8
 2.10%

CUOTA CAPITAL INTERES ABONO

0 $ 12,000,000
1 $ 1,141,695 $ 11,110,305 $ 252,000.00 $ 889,695
2 $ 1,141,695 $ 10,201,926 $ 233,316.40 $ 908,379
3 $ 1,141,695 $ 9,274,471 $ 214,240.44 $ 927,455
4 $ 1,141,695 $ 8,327,539 $ 194,763.88 $ 946,932
5 $ 1,141,695 $ 7,360,722 $ 174,878.32 $ 966,817
6 $ 1,141,695 $ 6,373,602 $ 154,575.16 $ 987,120
7 $ 1,141,695 $ 5,365,752 $ 133,845.64 $ 1,007,850
8 $ 1,141,695 $ 4,336,737 $ 112,680.79 $ 1,029,015
9 $ 1,141,695 $ 3,286,113 $ 91,071.48 $ 1,050,624
10 $ 1,141,695 $ 2,213,426 $ 69,008.38 $ 1,072,687
11 $ 1,141,695 $ 1,118,213 $ 46,481.95 $ 1,095,213
12 $ 1,141,695 $ - $ 23,482.47 $ 1,118,213
2.50% 0 $ 380,984 $ 22,000,000.00
1.0% 1 $ 2,000,000
2 $ 2,020,000
3 $ 2,040,200
4 $ 2,060,602
5 $ 2,081,208
6 $ 2,102,020
7 $ 2,123,040
8 $ 2,144,271
9 $ 2,165,713
10 $ 2,187,371
11 $ 2,209,244
12 $ 2,231,337
USTED DECIDE AHORRAR MESUALMENTE 100,0000, USTED VA AHORRARLO DURANTE 4 AÑOS Y SU AHORRO CADA AÑO AUN
TASA D EINTERES 1.5%
CUANTA PLATA TENGO ACUMULADA? 0 $ 3,866,960.10
1 $ 100,000
$ 100,000 10% 2 $ 100,000
3 $ 100,000
4 $ 100,000
5 $ 100,000
6 $ 100,000
7 $ 100,000
8 $ 100,000
9 $ 100,000
10 $ 100,000
11 $ 100,000
12 $ 100,000
13 $ 110,000
14 $ 110,000
15 $ 110,000
16 $ 110,000
17 $ 110,000
18 $ 110,000
19 $ 110,000
20 $ 110,000
21 $ 110,000
22 $ 110,000
23 $ 110,000
24 $ 110,000
25 $ 121,000
26 $ 121,000
27 $ 121,000
28 $ 121,000
29 $ 121,000
30 $ 121,000
31 $ 121,000
32 $ 121,000
33 $ 121,000
34 $ 121,000
35 $ 121,000
36 $ 121,000
37 $ 133,100
38 $ 133,100
39 $ 133,100
40 $ 133,100
41 $ 133,100
42 $ 133,100
43 $ 133,100
44 $ 133,100
45 $ 133,100
46 $ 133,100
47 $ 133,100
48 $ 133,100 $ 7,902,049.01
AÑOS Y SU AHORRO CADA AÑO AUNMENTA 10%
$ 100,000 $ 1,304,121.14
$ 110,000 $ 1,566,051
$ 121,000 $ 1,869,496
$ 133,100 $ 2,220,393
 EJERCICIO DE TAREA
AHORRAR $ 120,000 MENSUALES DURANTE UN AÑO 0
1ER SEMESTRE 2.10% MV 1
2DO SEMESTRE 1.80% MV 2
3
CUANTO TIENE AHORRADO AL FINAL DEL AÑO? 4
5
6
1ER SEMESTRE 13.28% SEMESTRAL 7
2DO SEMESTRE 11% SEMESTRAL 8
9
10
11
12
 SOLICITE CREDITO
CUOTAS DE $ 250,000
MESES 24
$ 120,000 1 MES DE GRACIA
1ER AÑO INTERES 25%
2 AÑO 2% MV

1.88%
VNA

$0
 0 $ 250,000
1 $ -
2 $ 254,692
EA 3 $ 254,692
4 $ 254,692
5 $ 254,692
6 $ 254,692
7 $ 254,692
8 $ 254,692
9 $ 254,692
10 $ 254,692
11 $ 254,692
12 $ 254,692
13 $ 254,692
14 $ 255,250
15 $ 255,250
16 $ 255,250
17 $ 255,250
18 $ 255,250
19 $ 255,250
20 $ 255,250
21 $ 255,250
22 $ 255,250
23 $ 255,250
24 $ 255,250
25 $ 255,250
PRESTAMO $ 10,000,000
CUOTA ANUAL 4 48
INTERES 2% 26.82%
CUOTA $ 4,372,587 CUOTA ANUAL
PRESTAMO 888,615 MESES CUOTA CAPITAL INTERESES
MESES 18 0 $ 888,615
INTERES MV 0.90% 1 $ 53,696 $ 842,917 $ 7,998
CUOTA 53,696 2 $ 53,696 $ 796,808 $ 7,586
3 $ 53,696 $ 750,283 $ 7,171
4 $ 53,696 $ 703,340 $ 6,753
APTO $ 350,000,000 5 $ 53,696 $ 655,975 $ 6,330
INICIAL 30% 6 $ 53,696 $ 608,183 $ 5,904
$ 105,000,000 7 $ 53,696 $ 559,961 $ 5,474
8 $ 53,696 $ 511,305 $ 5,040
$ 245,000,000 9 $ 53,696 $ 462,212 $ 4,602
10 $ 53,696 $ 412,676 $ 4,160
ABONO 49,367 11 $ 53,696 $ 362,695 $ 3,714
12 $ 53,696 $ 312,263 $ 3,264
13 $ 53,696 $ 261,378 $ 2,810
14 $ 53,696 $ 210,035 $ 2,352
15 $ 53,696 $ 158,230 $ 1,890
16 $ 53,696 $ 105,958 $ 1,424
17 $ 53,696 $ 53,217 $ 954
18 $ 53,696 $ 0 $ 479
 ABONO VALOR UVR INFLACION CUOTA $
$ 275.71
$ 45,698 276.56 0.31% $ 14,850,285
$ 46,109 277.42 0.31% $ 14,896,321
$ 46,524 278.28 0.31% $ 14,942,499
$ 46,943 279.14 0.31% $ 14,988,821
$ 47,365 280.01 0.31% $ 15,035,286
$ 47,792 280.88 0.31% $ 15,081,896
$ 48,222 281.75 0.31% $ 15,128,650
$ 48,656 282.62 0.31% $ 15,175,548
$ 49,094 283.50 0.31% $ 15,222,593
$ 49,536 284.38 0.31% $ 15,269,783
$ 49,981 285.26 0.31% $ 15,317,119
$ 50,431 286.14 0.31% $ 15,364,602
$ 50,885 287.03 0.31% $ 15,412,232
$ 51,343 287.92 0.31% $ 15,460,010
$ 51,805 288.81 0.31% $ 15,507,936
$ 52,271 289.71 0.31% $ 15,556,011
$ 52,742 290.61 0.31% $ 15,604,235
$ 53,217 291.51 0.31% $ 15,652,608
MESES CUOTA CAPITAL INTERESES ABONO VALOR UVR INFLACION
0 888,615 275.71
1 57,365 839,247 7,998 49,367 276.56 0.31%
2 56,921 789,880 7,553 49,367 277.42 0.31%
3 56,476 740,512 7,109 49,367 278.28 0.31%
4 56,032 691,145 6,665 49,367 279.14 0.31%
5 55,588 641,777 6,220 49,367 280.01 0.31%
6 55,143 592,410 5,776 49,367 280.88 0.31%
7 54,699 543,042 5,332 49,367 281.75 0.31%
8 54,255 493,675 4,887 49,367 282.62 0.31%
9 53,811 444,307 4,443 49,367 283.50 0.31%
10 53,366 394,940 3,999 49,367 284.38 0.31%
11 52,922 345,572 3,554 49,367 285.26 0.31%
12 52,478 296,205 3,110 49,367 286.14 0.31%
13 52,033 246,837 2,666 49,367 287.03 0.31%
14 51,589 197,470 2,222 49,367 287.92 0.31%
15 51,145 148,102 1,777 49,367 288.81 0.31%
16 50,700 98,735 1,333 49,367 289.71 0.31%
17 50,256 49,367 889 49,367 290.61 0.31%
18 49,812 0 444 49,367 291.51 0.31%
CUOTA $

15,865,141
15,791,062
15,716,372
15,641,066
15,565,143
15,488,599
15,411,431
15,333,635
15,255,209
15,176,149
15,096,452
15,016,116
14,935,136
14,853,510
14,771,234
14,688,306
14,604,721
14,520,477