1. Un sofá tiene un precio de contado de $4700.

Se puede comprar en abonos con un

mensuales de $442 cada uno. Calcule la tasa anual de interés simple sobre saldos inso
amortización.

𝑎=𝑝/𝑛
RD$ 332.91666666667 I= RD$ 58.75

Mes Amortización Intereses Abonos

0
1 RD$ 332.92 RD$ 49.9375 RD$ 382.85
2 RD$ 332.92 RD$ 45.7760 RD$ 378.69
3 RD$ 332.92 RD$ 41.6146 RD$ 374.53
4 RD$ 332.92 RD$ 37.4531 RD$ 370.37
5 RD$ 332.92 RD$ 33.2917 RD$ 366.21
6 RD$ 332.92 RD$ 29.1302 RD$ 362.05
7 RD$ 332.92 RD$ 24.9688 RD$ 357.89
8 RD$ 332.92 RD$ 20.8073 RD$ 353.72
9 RD$ 332.92 RD$ 16.6458 RD$ 349.56
10 RD$ 332.92 RD$ 12.4844 RD$ 345.40
11 RD$ 332.92 RD$ 8.3229 RD$ 341.24
12 RD$ 332.92 RD$ 4.1615 RD$ 337.08
TOTALES RD$ 3,995.00 324.59375 4319.59375
e comprar en abonos con un enganche del 15% y 12 pagos
erés simple sobre saldos insolutos. Elabore una tabla de

p 15%P
RD$ 4,700.00 RD$ 705.00 n= 12 i= 0.0125

P= 3,995.00

Saldo Insoluto
RD$ 3,995.00
RD$ 3,662.08
RD$ 3,329.17
RD$ 2,996.25
RD$ 2,663.33
RD$ 2,330.42
RD$ 1,997.50
RD$ 1,664.58
RD$ 1,331.67
RD$ 998.75
RD$ 665.83
RD$ 332.92
RD$ -
 P= 5830
728.75 P= 5300

Mes Amortización Intereses Abonos

0
1 RD$ 728.75 RD$ 145.75 RD$ 874.50
2 RD$ 728.75 RD$ 127.53 RD$ 856.28
3 RD$ 728.75 RD$ 109.31 RD$ 838.06
4 RD$ 728.75 RD$ 91.09 RD$ 819.84
5 RD$ 728.75 RD$ 72.88 RD$ 801.63
6 RD$ 728.75 RD$ 54.66 RD$ 783.41
7 RD$ 728.75 RD$ 36.44 RD$ 765.19
8 RD$ 728.75 RD$ 18.22 RD$ 746.97
TOTALES RD$ 5,830.00 655.875 6485.875
 n= 8
I= 145.75 i= 0.025

Saldo Insoluto
RD$ 5,830.00
RD$ 5,101.25
RD$ 4,372.50
RD$ 3,643.75
RD$ 2,915.00
RD$ 2,186.25
RD$ 1,457.50
RD$ 728.75
RD$ -
 Pi= 145.83
14,087.62

Mes Amort. Intereses Cuota Saldo Insoluto

0 RD$ 70,000.00
1 RD$ 13,941.79 RD$ 145.83 RD$ 14,087.62 RD$ 56,058.21
2 RD$ 13,970.83 RD$ 116.79 RD$ 14,087.62 RD$ 42,087.38
3 RD$ 13,999.94 RD$ 87.68 RD$ 14,087.62 RD$ 28,087.44
4 RD$ 14,029.11 RD$ 58.52 RD$ 14,087.62 RD$ 14,058.33
5 RD$ 14,058.33 RD$ 29.29 RD$ 14,087.62 RD$ 0.00
TOTALES RD$ 70,000.00 RD$ 438.11 RD$ 70,438.11
(1+i)´-n 0.98964812
 Pi=

4430.3065134

Mes Amortización Intereses Cuota

0
1 RD$ 3,987.64 RD$ 442.67 RD$ 4,430.31
2 RD$ 4,093.98 RD$ 336.33 RD$ 4,430.31
3 RD$ 4,203.15 RD$ 227.16 RD$ 4,430.31
4 RD$ 4,315.23 RD$ 115.07 RD$ 4,430.31
TOTALES RD$ 16,600.00 RD$ 1,121.23 RD$ 17,721.23
442.666666666667 (1+i)´-n= 0.900082157899

i= 0.0266666667
Saldo Insoluto
RD$ 16,600.00
RD$ 12,612.36
RD$ 8,518.38
RD$ 4,315.23
RD$ (0.00)
Datos - a) Calcule el pago mensual
P=150,000-15000= 135,000
n=120
i=0.18/12= 0.015 𝐴=(𝑃∗𝑖)/(1−
〖 (1+𝑖) 〗 ^(−
𝑛) )
𝐴=(135,000∗0.0
15)/(1−
〖 (1+0.015) 〗
𝐴=2025/0.8324
^(−120) )
76811
A= 2,432.500187

b) ¿Qué cantidad del pago número 60 se destina a cubrir intereses y qué cantidad se
aplica en amortizar la deuda?

En la cantidad del pago 60:

Intereses: $1,451.60
Amortización: $980.90

c) ¿Qué cantidad se debe inmediatamente después de efectuado el pago número 60?

Luego después del pago 60 es $95,792.51

d) ¿Qué porcentaje del terreno le pertenece al matrimonio después de efectuado el pago

número 60?

El porcentaje del terreno que le pertence al matrimonio sería del 36.138%

 Mes Amortización Intereses Abono
0
1 $407.50 $2,025.00 $2,432.50
2 $413.61 $2,018.89 $2,432.50
3 $419.82 $2,012.68 $2,432.50
4 $426.11 $2,006.39 $2,432.50
5 $432.51 $1,999.99 $2,432.50
6 $438.99 $1,993.51 $2,432.50
7 $445.58 $1,986.92 $2,432.50
8 $452.26 $1,980.24 $2,432.50
9 $459.05 $1,973.45 $2,432.50
10 $465.93 $1,966.57 $2,432.50
11 $472.92 $1,959.58 $2,432.50
12 $480.01 $1,952.49 $2,432.50
13 $487.21 $1,945.29 $2,432.50
ué cantidad se 14 $494.52 $1,937.98 $2,432.50
15 $501.94 $1,930.56 $2,432.50
16 $509.47 $1,923.03 $2,432.50
17 $517.11 $1,915.39 $2,432.50
18 $524.87 $1,907.63 $2,432.50
19 $532.74 $1,899.76 $2,432.50
20 $540.73 $1,891.77 $2,432.50
21 $548.84 $1,883.66 $2,432.50
o número 60? 22 $557.08 $1,875.42 $2,432.50
23 $565.43 $1,867.07 $2,432.50
24 $573.91 $1,858.59 $2,432.50
25 $582.52 $1,849.98 $2,432.50
26 $591.26 $1,841.24 $2,432.50
27 $600.13 $1,832.37 $2,432.50
ectuado el pago 28 $609.13 $1,823.37 $2,432.50
29 $618.27 $1,814.23 $2,432.50
30 $627.54 $1,804.96 $2,432.50
31 $636.96 $1,795.54 $2,432.50
% 32 $646.51 $1,785.99 $2,432.50
33 $656.21 $1,776.29 $2,432.50
34 $666.05 $1,766.45 $2,432.50
35 $676.04 $1,756.46 $2,432.50
36 $686.18 $1,746.32 $2,432.50
37 $696.47 $1,736.03 $2,432.50
38 $706.92 $1,725.58 $2,432.50
39 $717.53 $1,714.97 $2,432.50
40 $728.29 $1,704.21 $2,432.50
41 $739.21 $1,693.29 $2,432.50
42 $750.30 $1,682.20 $2,432.50
43 $761.56 $1,670.94 $2,432.50
44 $772.98 $1,659.52 $2,432.50
45 $784.57 $1,647.93 $2,432.50
46 $796.34 $1,636.16 $2,432.50
47 $808.29 $1,624.21 $2,432.50
48 $820.41 $1,612.09 $2,432.50
49 $832.72 $1,599.78 $2,432.50
50 $845.21 $1,587.29 $2,432.50
51 $857.89 $1,574.61 $2,432.50
52 $870.75 $1,561.75 $2,432.50
53 $883.82 $1,548.68 $2,432.50
54 $897.07 $1,535.43 $2,432.50
55 $910.53 $1,521.97 $2,432.50
56 $924.19 $1,508.31 $2,432.50
57 $938.05 $1,494.45 $2,432.50
58 $952.12 $1,480.38 $2,432.50
59 $966.40 $1,466.10 $2,432.50
60 $980.90 $1,451.60 $2,432.50
61 $995.61 $1,436.89 $2,432.50
62 $1,010.55 $1,421.95 $2,432.50
63 $1,025.70 $1,406.80 $2,432.50
64 $1,041.09 $1,391.41 $2,432.50
65 $1,056.71 $1,375.79 $2,432.50
66 $1,072.56 $1,359.94 $2,432.50
67 $1,088.65 $1,343.85 $2,432.50
68 $1,104.98 $1,327.52 $2,432.50
69 $1,121.55 $1,310.95 $2,432.50
70 $1,138.37 $1,294.13 $2,432.50
71 $1,155.45 $1,277.05 $2,432.50
72 $1,172.78 $1,259.72 $2,432.50
73 $1,190.37 $1,242.13 $2,432.50
74 $1,208.23 $1,224.27 $2,432.50
75 $1,226.35 $1,206.15 $2,432.50
76 $1,244.75 $1,187.75 $2,432.50
77 $1,263.42 $1,169.08 $2,432.50
78 $1,282.37 $1,150.13 $2,432.50
79 $1,301.60 $1,130.90 $2,432.50
80 $1,321.13 $1,111.37 $2,432.50
 81 $1,340.95 $1,091.55 $2,432.50
82 $1,361.06 $1,071.44 $2,432.50
83 $1,381.48 $1,051.02 $2,432.50
84 $1,402.20 $1,030.30 $2,432.50
85 $1,423.23 $1,009.27 $2,432.50
86 $1,444.58 $987.92 $2,432.50
87 $1,466.25 $966.25 $2,432.50
88 $1,488.24 $944.26 $2,432.50
89 $1,510.57 $921.93 $2,432.50
90 $1,533.22 $899.28 $2,432.50
91 $1,556.22 $876.28 $2,432.50
92 $1,579.57 $852.93 $2,432.50
93 $1,603.26 $829.24 $2,432.50
94 $1,627.31 $805.19 $2,432.50
95 $1,651.72 $780.78 $2,432.50
96 $1,676.49 $756.01 $2,432.50
97 $1,701.64 $730.86 $2,432.50
98 $1,727.17 $705.33 $2,432.50
99 $1,753.07 $679.43 $2,432.50
100 $1,779.37 $653.13 $2,432.50
101 $1,806.06 $626.44 $2,432.50
102 $1,833.15 $599.35 $2,432.50
103 $1,860.65 $571.85 $2,432.50
104 $1,888.56 $543.94 $2,432.50
105 $1,916.89 $515.61 $2,432.50
106 $1,945.64 $486.86 $2,432.50
107 $1,974.82 $457.68 $2,432.50
108 $2,004.45 $428.05 $2,432.50
109 $2,034.51 $397.99 $2,432.50
110 $2,065.03 $367.47 $2,432.50
111 $2,096.01 $336.49 $2,432.50
112 $2,127.45 $305.05 $2,432.50
113 $2,159.36 $273.14 $2,432.50
114 $2,191.75 $240.75 $2,432.50
115 $2,224.62 $207.88 $2,432.50
116 $2,257.99 $174.51 $2,432.50
117 $2,291.86 $140.64 $2,432.50
118 $2,326.24 $106.26 $2,432.50
119 $2,361.13 $71.37 $2,432.50
120 $2,396.55 $35.95 $2,432.50
TOTALES $135,000.00 $156,900.02 $291,900.02
$95,792.51
Saldo insoluto
$135,000.00
$134,592.50
$134,178.89
$133,759.07
$133,332.96
$132,900.45
$132,461.46
$132,015.88
$131,563.62
$131,104.57
$130,638.64
$130,165.72
$129,685.70
$129,198.49
$128,703.97
$128,202.03
$127,692.56
$127,175.44
$126,650.58
$126,117.83
$125,577.10
$125,028.26
$124,471.18
$123,905.75
$123,331.83
$122,749.31
$122,158.05
$121,557.92
$120,948.79
$120,330.52
$119,702.98
$119,066.02
$118,419.52
$117,763.31
$117,097.26
$116,421.22
$115,735.03
$115,038.56
$114,331.64
$113,614.11
$112,885.82
$112,146.61
$111,396.31
$110,634.75
$109,861.77
$109,077.20
$108,280.86
$107,472.57
$106,652.16
$105,819.44
$104,974.23
$104,116.35
$103,245.59
$102,361.78
$101,464.70
$100,554.17
$99,629.99
$98,691.93
$97,739.81
$96,773.41
$95,792.51
$94,796.90
$93,786.35
$92,760.65
$91,719.56
$90,662.85
$89,590.29
$88,501.65
$87,396.67
$86,275.12
$85,136.75
$83,981.30
$82,808.52
$81,618.15
$80,409.92
$79,183.57
$77,938.82
$76,675.40
$75,393.03
$74,091.43
$72,770.30
$71,429.35
$70,068.29
$68,686.82
$67,284.62
$65,861.39
$64,416.81
$62,950.56
$61,462.32
$59,951.75
$58,418.53
$56,862.31
$55,282.74
$53,679.48
$52,052.18
$50,400.46
$48,723.96
$47,022.32
$45,295.16
$43,542.09
$41,762.72
$39,956.66
$38,123.51
$36,262.86
$34,374.30
$32,457.42
$30,511.78
$28,536.95
$26,532.51
$24,498.00
$22,432.97
$20,336.96
$18,209.51
$16,050.16
$13,858.41
$11,633.78
$9,375.79
$7,083.93
$4,757.69
$2,396.55
$0.00