I

1.5%
15,000

15000

15000

P=(((+ ))^
) )/((+ )^ )
P

43,683.006

30 dias
60 dias
90 dias

1 mese
2 mese
3 mese

15000

A= ( ((+ )^
))/(((+ )^ )
)
A

22,334.16

= (1+
) - 1

TEA
TN
m
n

40%
4
4

(1+) ^(1/
) - 1
TN

35.10%

I
A

9% mensual
15,000

A = 15000

F=(((+ ))^
) )/
F

1.81

=^
= (1+) ^(_2/
n2- 1
n1

A = 15000

F=( ( +
)^

((+ ))^

11500627.759995

4088872.5291695

4088872.52

11500627.7

=^
^(_2/_1 )
-1
360
30

I
N
PRIMERA DEPOSITO
GRADIENTE
VALOR FUTURO
N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

$
$

9% trimestral
9 aos
500,000
100,000

DEPOSITO
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

500,000 $
600,000 $
700,000 $
800,000 $
900,000 $
1,000,000 $
1,100,000 $
1,200,000 $
1,300,000 $
1,400,000 $
1,500,000 $
1,600,000 $
1,700,000 $
1,800,000 $
1,900,000 $
2,000,000 $
2,100,000 $
2,200,000 $
2,300,000 $
2,400,000 $
2,500,000 $
2,600,000 $
2,700,000 $
2,800,000 $
2,900,000 $
3,000,000 $
3,100,000 $
3,200,000 $
3,300,000 $
3,400,000 $

INTERES
45,000
103,050
175,325
263,104
367,783
490,884
634,063
799,129
988,050
1,202,975
1,446,243
1,720,404
2,028,241
2,372,782
2,757,333
3,185,493
3,661,187
4,188,694
4,772,676
5,418,217
6,130,857
6,916,634
7,782,131
8,734,523
9,781,630
10,931,977
12,194,855
13,580,391
15,099,627

31
32
33
34
35
36

$
$
$
$
$
$

3,500,000
3,600,000
3,700,000
3,800,000
3,900,000
4,000,000

$
$
$
$
$
$

16,764,593
18,588,406
20,585,363
22,771,046
25,162,440
27,778,059

36 trimestres

SALDO
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

500,000
1,145,000
1,948,050
2,923,375
4,086,478
5,454,261
7,045,145
8,879,208
10,978,336
13,366,387
16,069,362
19,115,604
22,536,008
26,364,249
30,637,032
35,394,365
40,679,857
46,541,045
53,029,739
60,202,415
68,120,632
76,851,489
86,468,123
97,050,254
108,684,777
121,466,407
135,498,384
150,893,238
167,773,630
186,273,257

$
$
$
$
$
$

206,537,850
228,726,256
253,011,619
279,582,665
308,645,105
340,423,164

PRESTAMO
I
PRIMERA CUOTA
GRADIENTE

N
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

$
$

80,000,000
3.75% efec. Trimestal
2,139,435.44
0.3% mensual

CUOTA
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

2,139,435.44
2,145,853.75
2,152,291.31
2,158,748.18
2,165,224.43
2,171,720.10
2,178,235.26
2,184,769.97
2,191,324.28
2,197,898.25
2,204,491.94
2,211,105.42
2,217,738.73
2,224,391.95
2,231,065.13
2,237,758.32
2,244,471.60
2,251,205.01

INTERES
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

987,754.08
973,534.36
959,059.81
944,327.07
929,332.71
914,073.24
898,545.17
882,744.93
866,668.92
850,313.50
833,674.97
816,749.60
799,533.59
782,023.12
764,214.29
746,103.20
727,685.84
708,958.20

1.23% efec. Mensual

ABONO
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

1,151,681.36
1,172,319.39
1,193,231.49
1,214,421.11
1,235,891.72
1,257,646.86
1,279,690.09
1,302,025.03
1,324,655.35
1,347,584.75
1,370,816.97
1,394,355.82
1,418,205.14
1,442,368.84
1,466,850.83
1,491,655.13
1,516,785.76
1,542,246.81

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

SALDO
80,000,000.00
78,848,318.64
77,675,999.25
76,482,767.76
75,268,346.65
74,032,454.93
72,774,808.07
71,495,117.98
70,193,092.95
68,868,437.60
67,520,852.85
66,150,035.88
64,755,680.06
63,337,474.92
61,895,106.08
60,428,255.25
58,936,600.13
57,419,814.37
55,877,567.56

=^
= (1+) ^(_2/
Datos:
- 1la tasa qu
i = TET = 3.75%,

n1 = TET = un ao = 90 da
n2 = TEM = un ao = 30 da
n1
n2

=^
+) ^(_2/_1 )
- 1la tasa que tengo
= 3.75%,

= un ao = 90 das, la que tengo

M = un ao = 30 das, la que quiero
90
30