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700141

NO
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

3%
CUOTA
150,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000
40,000

INTERES
16,504
15,799
15,073
14,326
13,555
12,762
11,945
11,103
10,236
9,343
8,424
7,476
6,501
5,496
4,461
3,394
2,296
1,165

ABONO
150,000
23,496
24,201
24,927
25,674
26,445
27,238
28,055
28,897
29,764
30,657
31,576
32,524
33,499
34,504
35,539
36,606
37,704
38,835

SALDO
550141
526,645
502,444
477,517
451,843
425,398
398,160
370,105
341,208
311,444
280,788
249,211
216,688
183,188
148,684
113,144
76,539
38,835
0

Pregunta

Determinar el valor de contado de un activo, si financiado se adquiere


cuotas mensuales iguales de $ 40.000 cada una. La tasa de inters es

Respuesta

700141

financiado se adquiere as: una cuota inicial de $ 150.000, dieciocho


. La tasa de inters es del 3% mensual.

700,000
NO
0
1
2
3
4
5
6
7
8
9

2%
CUOTA
100,000.00
74,669.68
74,369.68
74,069.68
73,769.68
73,469.68
73,169.68
72,869.68
72,569.68
72,269.68

(300.00)
INTERES
12,000.00
10,746.61
9,474.14
8,182.23
6,870.49
5,538.50
4,185.88
2,812.20
1,417.05

100,000.00
ABONO
100,000.00
62,669.68
63,623.07
64,595.53
65,587.44
66,599.19
67,631.18
68,683.80
69,757.48
70,852.63

SALDO
600,000.00
537,330.32
473,707.25
409,111.72
343,524.27
276,925.08
209,293.90
140,610.10
70,852.63
(0.00)

Pregunta

Un artculo de contado vale $ 700.000, a plazos exigen de cuota inicia


resto para ser cancelados con 9 cuotas mensuales de tal manera que
decrezca en $ 300 respecto de la anterior. Si el inters de financiacin
mensual, encontrar el valor de la ltima cuota.

Respuesta

72270

exigen de cuota inicial $ 100.000 y el


es de tal manera que cada cuota
nters de financiacin es del 2%

200,000
1.40%
NO
DEPOSITO
0
200,000
1
226,416
2
252,831
3
279,247
4
305,663
5
332,078
6
358,494
7
384,910
8
411,325
9
437,741
10
464,157
11
490,572
12
516,988

26,415.66
INTERES

5,000,000
DEP+INT

2,800
6,009
9,633
13,677
18,148
23,051
28,393
34,179
40,416
47,110
54,268
61,896

229,216
258,840
288,880
319,340
350,226
381,545
413,302
445,504
478,157
511,267
544,840
578,883

SALDO
200,000
429,216
688,056
976,936
1,296,275
1,646,502
2,028,047
2,441,349
2,886,853
3,365,010
3,876,276
4,421,117
5,000,000

Pregunta

Dentro de un ao se debe cancelar $ 5.000.000 como cuota inicial de un apartamen


para tal fin se efectan depsitos mensuales empezando hoy con un ahorro de
$200.000. Cul debe ser el incremento constante en las cuotas posteriores si por lo
depsitos reconocen un inters del 1,4% mensual?

Respuesta

26416

cial de un apartamento;
on un ahorro de
as posteriores si por los

75,000,000
NO
0
1
2
3
4
5
6
7
8
9
10
11

3%
CUOTA
8042292
8055792
8069292
8082792
8096292
8109792
8123292
8136792
8150292
8163792
8177292

13,500.00
INTERES

8,042,291.95
ABONO

2,250,000
2,076,231
1,896,844
1,711,671
1,520,537
1,323,265
1,119,669
909,560
692,743
469,017
238,174

5,792,292
5,979,561
6,172,448
6,371,121
6,575,755
6,786,527
7,003,623
7,227,232
7,457,549
7,694,775
7,939,118

SALDO
75,000,000
69,207,708
63,228,147
57,055,700
50,684,579
44,108,824
37,322,297
30,318,674
23,091,442
15,633,894
7,939,118
0

Pregunta

Con cuntos pagos mensuales, que aumenten en $ 13.500 cada mes, se cancela
una obligacin de $ 75.000.000, si se cobra una tasa de inters del 3% mensual y la
primera cuota es de $ 8.042.291,95? Cul ser el valor de la ultima cuota?

Respuesta

11 meses
8177292 valor de la ultima cuota

da mes, se cancela
s del 3% mensual y la
ultima cuota?

25,000,000
NO
0
1
2
3
4
5
6
7
8

4.68%
CUOTA
2,500,000
3,600,000
3,550,000
3,500,000
3,450,000
3,400,000
3,350,000
3,300,000
3,250,000

(50,000.00)
INTERES
1,054,035
934,766
812,253
686,343
556,877
423,688
286,602
145,436

3,600,000.00
ABONO
2,545,965
2,615,234
2,687,747
2,763,657
2,843,123
2,926,312
3,013,398
3,104,564

2,500,000
SALDO
22,500,000
19,954,035
17,338,801
14,651,054
11,887,397
9,044,274
6,117,962
3,104,564
(0)

Pregunta

Qu tasa de inters le reconocen por financiar una maquina que tien


contado de $ 25.000.000, por medio de una cuota inicial del 10% y 8
mensuales decrecientes en $ 50.000 cada mes, si el valor de la prime
$3.600.000?

Respuesta

4.68%

una maquina que tiene un valor de


ta inicial del 10% y 8 cuotas
si el valor de la primera cuota es de

80,708
NO
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
31
32
33
34
35
36

2.00%
CUOTA
2,500
2,550
2,601
2,653
2,706
2,760
2,815
2,872
2,929
2,988
3,047
3,108
3,171
3,234
3,299
3,365
3,432
3,501
3,571
3,642
3,715
3,789
3,865
3,942
4,021
4,102
4,184
4,267
4,353
4,440
4,528
4,619
4,711
4,806
4,902
5,000

2,500
INTERES
2,018
2,006
1,992
1,977
1,960
1,941
1,921
1,898
1,874
1,848
1,819
1,788
1,755
1,720
1,682
1,642
1,599
1,553
1,504
1,453
1,398
1,340
1,279
1,214
1,146
1,074
998
919
835
747
655
558
456
350
239
122

2.50%
ABONO
482
544
609
676
746
819
895
973
1,055
1,140
1,228
1,320
1,415
1,514
1,616
1,723
1,833
1,948
2,066
2,189
2,317
2,449
2,586
2,728
2,875
3,028
3,185
3,349
3,518
3,693
3,874
4,061
4,255
4,456
4,663
4,878

SALDO
80,708
80,225
79,681
79,072
78,396
77,649
76,831
75,936
74,963
73,907
72,767
71,539
70,219
68,804
67,290
65,674
63,951
62,118
60,170
58,104
55,914
53,597
51,148
48,562
45,834
42,958
39,931
36,745
33,397
29,879
26,187
22,313
18,252
13,997
9,541
4,878
(0)

Pregunta

Un artculo se comprara a crdito mediante cuotas mensuales variabl


es el valor de la primera cuota y de all en adelante aumentaran en u
hasta el tercer ao que se termina la deuda Cul es el valor del artic
financiacin es del 2,5% mensual?

Respuesta

80708

tas mensuales variables as; $ 2.500


nte aumentaran en un 2% cada mes,
l es el valor del articulo si la tasa de

5,000,000
NO
0
1
2
3
4
5
6
7
8
9
10
11
12
13
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15
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17
18
19
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21
22
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29
30
31
32
33
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36
37
38
39
40
41
42
43
44
45

-2.00%
CUOTA
130,079
133,981
138,001
142,141
146,405
150,797
155,321
159,981
164,780
169,723
174,815
180,060
185,461
191,025
196,756
202,659
208,738
215,001
221,451
228,094
234,937
241,985
249,245
256,722
251,587
246,556
241,625
236,792
232,056
227,415
222,867
218,409
214,041
209,760
205,565
201,454
197,425
193,476
189,607
185,815
182,098
178,456
174,887
171,390
167,962

130,078.9
INTERES

2.75%
ABONO

137,500
137,704
137,806
137,801
137,682
137,442
137,075
136,573
135,929
135,136
134,185
133,067
131,775
130,299
128,629
126,755
124,668
122,356
119,808
117,013
113,958
110,631
107,019
103,108
98,883
94,684
90,508
86,352
82,215
78,094
73,988
69,894
65,809
61,733
57,662
53,595
49,529
45,462
41,391
37,315
33,232
29,138
25,032
20,911
16,772

(7,421)
(3,723)
194
4,340
8,723
13,355
18,246
23,408
28,851
34,588
40,631
46,992
53,686
60,727
68,127
75,904
84,071
92,645
101,642
111,081
120,979
131,354
142,225
153,614
152,704
151,872
151,117
150,440
149,841
149,321
148,879
148,516
148,232
148,027
147,903
147,859
147,896
148,015
148,215
148,499
148,867
149,319
149,856
150,479
151,189

3%
SALDO
5,000,000
5,007,421
5,011,144
5,010,950
5,006,610
4,997,887
4,984,532
4,966,286
4,942,878
4,914,027
4,879,439
4,838,809
4,791,817
4,738,130
4,677,404
4,609,276
4,533,373
4,449,302
4,356,657
4,255,015
4,143,934
4,022,955
3,891,601
3,749,376
3,595,762
3,443,058
3,291,186
3,140,069
2,989,629
2,839,788
2,690,467
2,541,588
2,393,072
2,244,840
2,096,813
1,948,910
1,801,051
1,653,155
1,505,141
1,356,925
1,208,426
1,059,559
910,241
760,385
609,906
458,717

46
47
48

164,603
161,310
158,084

12,615
8,435
4,231

151,988
152,875
153,853

306,729
153,853
0

Pregunta

Financiar una deuda de $ 5.000.000 de hoy a cuatro aos con cuotas que aumenten
en el 3% cada mes durante los dos primeros aos y luego disminuyan en el 2% cada
mes, suponiendo una tasa de inters para el prstamo del 2,75% mensual. Halle el
valor del primer pago.

Respuesta

130079

cuotas que aumenten


minuyan en el 2% cada
5% mensual. Halle el

3,000,000
NO
0
1
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37
38
39
40
41
42
43
44
45

3.41%
CUOTA
10,000
10,341
10,693
11,057
11,434
11,823
12,226
12,643
13,073
13,518
13,979
14,455
14,948
15,457
15,983
16,528
17,091
17,673
18,275
18,897
19,541
20,207
20,895
21,607
22,343
23,104
23,891
24,705
25,547
26,417
27,317
28,247
29,209
30,204
31,233
32,297
33,397
34,535
35,711
36,928
38,186
39,487
40,832
42,223
43,661

10,000.0
INTERES

34.00%
ABONO

85,000
87,125
89,301
91,528
93,808
96,142
98,531
100,976
103,479
106,040
108,662
111,344
114,090
116,899
119,773
122,714
125,722
128,800
131,949
135,169
138,464
141,833
145,279
148,804
152,407
156,093
159,861
163,713
167,652
171,678
175,794
180,001
184,300
188,694
193,185
197,774
202,462
207,252
212,146
217,145
222,251
227,466
232,792
238,231
243,785

(75,000)
(76,784)
(78,608)
(80,471)
(82,374)
(84,318)
(86,305)
(88,334)
(90,406)
(92,522)
(94,683)
(96,889)
(99,142)
(101,442)
(103,790)
(106,186)
(108,631)
(111,127)
(113,674)
(116,272)
(118,923)
(121,626)
(124,384)
(127,197)
(130,064)
(132,988)
(135,969)
(139,008)
(142,105)
(145,261)
(148,477)
(151,753)
(155,091)
(158,490)
(161,952)
(165,476)
(169,065)
(172,717)
(176,434)
(180,217)
(184,065)
(187,980)
(191,961)
(196,009)
(200,124)

2.83%
SALDO
3,000,000
3,075,000
3,151,784
3,230,392
3,310,863
3,393,237
3,477,555
3,563,860
3,652,193
3,742,599
3,835,121
3,929,804
4,026,693
4,125,835
4,227,277
4,331,066
4,437,252
4,545,883
4,657,011
4,770,684
4,886,956
5,005,879
5,127,505
5,251,889
5,379,086
5,509,150
5,642,139
5,778,108
5,917,116
6,059,221
6,204,482
6,352,959
6,504,713
6,659,804
6,818,294
6,980,245
7,145,722
7,314,786
7,487,504
7,663,938
7,844,155
8,028,220
8,216,200
8,408,160
8,604,169
8,804,293

46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93

45,148
46,686
48,277
49,921
51,622
53,380
55,198
57,079
59,023
61,034
63,113
65,263
67,486
69,785
72,162
74,620
77,162
79,790
82,508
85,319
88,225
91,230
94,338
97,552
100,875
104,311
107,864
111,539
115,338
119,267
123,330
127,531
131,875
136,367
141,013
145,816
150,783
155,920
161,231
166,723
172,403
178,275
184,348
190,628
197,122
203,836
210,780
217,960

249,455
255,244
261,153
267,184
273,340
279,622
286,032
292,573
299,245
306,051
312,993
320,073
327,293
334,654
342,159
349,809
357,606
365,552
373,648
381,897
390,300
398,859
407,575
416,450
425,486
434,683
444,044
453,569
463,259
473,117
483,143
493,338
503,702
514,237
524,944
535,822
546,872
558,094
569,489
581,057
592,796
604,707
616,789
629,042
641,464
654,053
666,809
679,730

(204,307)
(208,557)
(212,876)
(217,263)
(221,719)
(226,242)
(230,834)
(235,494)
(240,222)
(245,018)
(249,881)
(254,811)
(259,807)
(264,870)
(269,997)
(275,189)
(280,444)
(285,761)
(291,140)
(296,578)
(302,075)
(307,629)
(313,237)
(318,898)
(324,611)
(330,372)
(336,179)
(342,030)
(347,921)
(353,850)
(359,813)
(365,807)
(371,827)
(377,870)
(383,931)
(390,005)
(396,088)
(402,175)
(408,258)
(414,333)
(420,393)
(426,432)
(432,441)
(438,414)
(444,342)
(450,217)
(456,030)
(461,770)

9,008,599
9,217,157
9,430,033
9,647,296
9,869,015
10,095,257
10,326,091
10,561,585
10,801,807
11,046,824
11,296,705
11,551,516
11,811,323
12,076,193
12,346,190
12,621,379
12,901,823
13,187,584
13,478,724
13,775,302
14,077,377
14,385,006
14,698,243
15,017,141
15,341,752
15,672,124
16,008,304
16,350,334
16,698,255
17,052,105
17,411,918
17,777,725
18,149,552
18,527,422
18,911,353
19,301,358
19,697,446
20,099,621
20,507,879
20,922,213
21,342,606
21,769,038
22,201,479
22,639,893
23,084,235
23,534,452
23,990,482
24,452,252

94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141

225,385
233,062
241,001
249,211
257,700
266,479
275,556
284,943
294,649
304,686
315,065
325,797
336,896
348,372
360,239
372,510
385,199
398,321
411,889
425,920
440,429
455,432
470,946
486,988
503,577
520,731
538,470
556,812
575,780
595,393
615,675
636,648
658,335
680,760
703,950
727,930
752,726
778,367
804,882
832,300
860,651
889,969
920,285
951,634
984,051
1,017,572
1,052,235
1,088,079

692,814
706,058
719,459
733,015
746,723
760,579
774,578
788,717
802,991
817,394
831,921
846,565
861,320
876,179
891,133
906,175
921,296
936,485
951,733
967,029
982,360
997,715
1,013,080
1,028,440
1,043,781
1,059,087
1,074,340
1,089,523
1,104,617
1,119,601
1,134,453
1,149,152
1,163,673
1,177,991
1,192,079
1,205,909
1,219,452
1,232,676
1,245,548
1,258,034
1,270,096
1,281,697
1,292,796
1,303,350
1,313,316
1,322,645
1,331,289
1,339,195

(467,429)
(472,995)
(478,458)
(483,805)
(489,023)
(494,100)
(499,022)
(503,775)
(508,342)
(512,708)
(516,856)
(520,768)
(524,425)
(527,807)
(530,895)
(533,665)
(536,097)
(538,164)
(539,844)
(541,109)
(541,931)
(542,283)
(542,134)
(541,452)
(540,204)
(538,356)
(535,871)
(532,711)
(528,837)
(524,207)
(518,778)
(512,504)
(505,338)
(497,230)
(488,129)
(477,980)
(466,726)
(454,309)
(440,666)
(425,734)
(409,444)
(391,728)
(372,511)
(351,716)
(329,265)
(305,073)
(279,053)
(251,116)

24,919,681
25,392,676
25,871,134
26,354,939
26,843,962
27,338,062
27,837,085
28,340,860
28,849,202
29,361,910
29,878,765
30,399,533
30,923,958
31,451,765
31,982,659
32,516,325
33,052,421
33,590,585
34,130,429
34,671,538
35,213,469
35,755,752
36,297,886
36,839,338
37,379,542
37,917,897
38,453,768
38,986,479
39,515,316
40,039,523
40,558,302
41,070,806
41,576,144
42,073,374
42,561,503
43,039,483
43,506,208
43,960,517
44,401,183
44,826,917
45,236,361
45,628,089
46,000,600
46,352,316
46,681,580
46,986,653
47,265,706
47,516,823

142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180

1,125,144
1,163,471
1,203,104
1,244,087
1,286,466
1,330,288
1,375,604
1,422,463
1,470,918
1,521,024
1,572,837
1,626,414
1,681,817
1,739,107
1,798,349
1,859,609
1,922,955
1,988,459
2,056,195
2,126,238
2,198,667
2,273,563
2,351,010
2,431,096
2,513,910
2,599,545
2,688,096
2,779,665
2,874,352
2,972,265
3,073,514
3,178,211
3,286,475
3,398,426
3,514,192
3,633,900
3,757,687
3,885,690
4,018,054

1,346,310
1,352,576
1,357,934
1,362,321
1,365,671
1,367,915
1,368,981
1,368,794
1,367,273
1,364,337
1,359,897
1,353,864
1,346,142
1,336,631
1,325,227
1,311,822
1,296,302
1,278,546
1,258,432
1,235,829
1,210,601
1,182,605
1,151,695
1,117,714
1,080,502
1,039,889
995,698
947,747
895,843
839,785
779,365
714,364
644,555
569,700
489,553
403,855
312,337
214,719
110,708

(221,166)
(189,106)
(154,831)
(118,235)
(79,205)
(37,627)
6,622
53,669
103,645
156,687
212,940
272,551
335,676
402,477
473,122
547,786
626,653
709,913
797,763
890,409
988,066
1,090,957
1,199,315
1,313,382
1,433,408
1,559,656
1,692,398
1,831,918
1,978,509
2,132,480
2,294,149
2,463,847
2,641,920
2,828,726
3,024,638
3,230,045
3,445,350
3,670,971
3,907,345

47,737,989
47,927,095
48,081,925
48,200,160
48,279,365
48,316,992
48,310,370
48,256,701
48,153,056
47,996,369
47,783,429
47,510,878
47,175,203
46,772,726
46,299,604
45,751,818
45,125,165
44,415,252
43,617,489
42,727,080
41,739,014
40,648,057
39,448,742
38,135,360
36,701,952
35,142,296
33,449,898
31,617,980
29,639,471
27,506,991
25,212,842
22,748,995
20,107,075
17,278,349
14,253,711
11,023,666
7,578,316
3,907,345
0

Pregunta

Una entidad financiera presta a un cliente $ 3.000.000, con un inters


El deudor tiene un plazo de 15 aos para amortizar la deuda, mediant
mensuales. Suponiendo que la primera cuota es de $ 10.000 y vence
primer mes, Cul debe ser el porcentaje de reajuste mensual de la cu
cancelar la deuda?

Respuesta

3.4%

00.000, con un inters del 34% NMV.


zar la deuda, mediante pagos
de $ 10.000 y vence al final del
juste mensual de la cuota, para

3,000,000
3.00%
NO
DEPOSITO
1
3,000,000
2
3,120,000
3
3,244,800
4
3,374,592
5
3,509,576

4%
INTERES
90,000
186,300
289,233
399,148

17,213,648
DEP+INT
3,210,000
3,431,100
3,663,825
3,908,723

SALDO
3,000,000
6,210,000
9,641,100
13,304,925
17,213,648

Pregunta

Se necesita reponer una mquina dentro de 5 meses y se estima que su precio en


dicho momento ser $ 17.213.648,4. Con tal fin se desea crear un fondo en una
corporacin que pagar un inters del 3% mensual. Hallar el valor del depsito que
debe efectuar dentro de un mes si los depsitos se incrementan en un 4% mensual,
con respecto al depsito anterior.

Respuesta

3000000

ma que su precio en
un fondo en una
alor del depsito que se
n en un 4% mensual,

14,848,644
NO
0
1
2
3
4
5

4.00%
DEPOSITO
14,848,644
(3,000,000)
(3,120,000)
(3,244,800)
(3,374,592)
(3,509,576)

3,000,000
INTERES

3.00%
DEP+INT

445,459
368,823
286,288
197,532
102,221

(2,554,541)
(2,751,177)
(2,958,512)
(3,177,060)
(3,407,355)

SALDO
14,848,644
12,294,104
9,542,927
6,584,414
3,407,355
(0)

Pregunta
Si se deposita hoy $ 14.848.644,2 en una corporacin que reconoce el 3% mensual
durante cuantos meses podr hacer retiros de fin de mes de tal manera que cada
retiro sea el 4% mayor que el retiro anterior, si se sabe que el valor del primero retiro
es de $ 3.000.000.

Respuesta

ensual
cada
ro retiro