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Aplicando la tasa de inters anual simple del 11,5% de un crdito de $ 2.500.000.

000 a 12 meses qu
los intereses que debe pagar la compaa ENRECOL S.A.S al trmino de l

P= 2,500,000,000
r= 0.115 11.5%
t= 1 ao 12 meses

I= Prt = (2.500.000.000)(0.115)(1 ao) = 287.500.000 = 23.958.333 mes


monto total= 2.500.000.000 + 287.500.000 = 2.787.500.000 ao

MES CAPITAL INTERESES TOTAL INTERES ANUAL


1 $2,500,000,000 $23,958,333 $23,958,333
2 $2,500,000,000 $23,958,333 $47,916,666
3 $2,500,000,000 $23,958,333 $71,874,999
4 $2,500,000,000 $23,958,333 $95,833,332
5 $2,500,000,000 $23,958,333 $119,791,665
6 $2,500,000,000 $23,958,333 $143,749,998
7 $2,500,000,000 $23,958,333 $167,708,331
8 $2,500,000,000 $23,958,333 $191,666,664
9 $2,500,000,000 $23,958,333 $215,624,997
10 $2,500,000,000 $23,958,333 $239,583,330
11 $2,500,000,000 $23,958,333 $263,541,663
12 $2,500,000,000 $23,958,333 $287,499,996
TOTAL $287,499,996 $2,787,499,996
000.000 a 12 meses que le presta la entidad A, cual es el valor de
OL S.A.S al trmino de los 12 meses?

23.958.333 mes
00 ao

INTERESES A PAGAR EN 12 MESES ###


Aplicando la tasa de inters efectiva anual del 11,5% de un crdito de $ 2.500.000.000 a 12 meses
intereses que debe pagar la compaa ENRECOL S.A.S al trmino d

P= 2,500,000,000
r= 0.009112 tasa efectiva mensual 0.9112%
t= 1 ao 12 meses

I= Prt = (2.500.000.000)(0.009112)(12 meses) =


monto total= 2.500.000.000 + 273.360.000 = 2.773.360.000 ao

MES CAPITAL FINAL INTERESES


1 $2,522,780,000 $22,780,000
2 $2,545,560,000 $22,780,000
3 $2,568,340,000 $22,780,000
4 $2,591,120,000 $22,780,000
5 $2,613,900,000 $22,780,000
6 $2,636,680,000 $22,780,000
7 $2,659,460,000 $22,780,000
8 $2,682,240,000 $22,780,000
9 $2,705,020,000 $22,780,000
10 $2,727,800,000 $22,780,000
11 $2,750,580,000 $22,780,000
12 $2,773,360,000 $22,780,000
TOTAL $2,773,360,000 $22,780,000
rdito de $ 2.500.000.000 a 12 meses que le presta la entidad A, cual es el valor de los
compaa ENRECOL S.A.S al trmino de los 12 meses?

22.780.000 mes = 273.360.000 ao


00 = 2.773.360.000 ao

TOTAL INTERES ANUAL


$22,780,000 INTERESES A PAGAR EN 12 MESES
$45,560,000
$68,340,000
$91,120,000
$113,900,000
$136,680,000
$159,460,000
$182,240,000
$205,020,000
$227,800,000
$250,580,000
$273,360,000
$273,360,000
$273,360,000
Aplicando la tasa de inters anual simple del 12,7% de un crdito de $ 2.500.000.000 a 24 meses
cual es el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al trmino d

P= 2,500,000,000
r= 0.127 12.7%
t= 2 aos 24 meses

I= Prt = (2.500.000.000)(0.127)(2 aos) = 635.000.000 = 26.458.333 mes


monto total= 2.500.000.000 + 635.000.000 = 3.135.000.000 2 aos

MES CAPITAL INTERESES TOTAL INTERES ANUAL


1 $2,500,000,000 $26,458,333 $26,458,333
2 $2,500,000,000 $26,458,333 $52,916,666
3 $2,500,000,000 $26,458,333 $79,374,999
4 $2,500,000,000 $26,458,333 $105,833,332
5 $2,500,000,000 $26,458,333 $132,291,665
6 $2,500,000,000 $26,458,333 $158,749,998
7 $2,500,000,000 $26,458,333 $185,208,331
8 $2,500,000,000 $26,458,333 $211,666,664
9 $2,500,000,000 $26,458,333 $238,124,997
10 $2,500,000,000 $26,458,333 $264,583,330
11 $2,500,000,000 $26,458,333 $291,041,663
12 $2,500,000,000 $26,458,333 $317,499,996
13 $2,500,000,000 $26,458,333 $343,958,329
14 $2,500,000,000 $26,458,333 $370,416,662
15 $2,500,000,000 $26,458,333 $396,874,995
16 $2,500,000,000 $26,458,333 $423,333,328
17 $2,500,000,000 $26,458,333 $449,791,661
18 $2,500,000,000 $26,458,333 $476,249,994
19 $2,500,000,000 $26,458,333 $502,708,327
20 $2,500,000,000 $26,458,333 $529,166,660
21 $2,500,000,000 $26,458,333 $555,624,993
22 $2,500,000,000 $26,458,333 $582,083,326
23 $2,500,000,000 $26,458,333 $608,541,659
24 $2,500,000,000 $26,458,333 $634,999,992
TOTAL ### $3,134,999,992
0.000.000 a 24 meses que le presta la entidad B,
ECOL S.A.S al trmino de los 24 meses?

INTERESES A PAGAR EN 24 MESES $635,000,000


Aplicando la tasa de inters efectiva anual del 12,7% de un crdito de $ 2.500.000.000 a 24 mes
debe pagar la compaa ENRECOL S.A.S al trmino

P= 2,500,000,000
r= 0.010013 tasa efectiva mensual 1.0013%
t= 2 aos 24 meses

I= Prt = (2.500.000.000)(0.010013)(24 meses) =


monto total= 2.500.000.000 + 600.780.000 = 3.100.780.000 2 aos

MES CAPITAL FINAL INTERESES


1 $2,525,032,500 $25,032,500
2 $2,550,065,000 $25,032,500
3 $2,575,097,500 $25,032,500
4 $2,600,130,000 $25,032,500
5 $2,625,162,500 $25,032,500
6 $2,650,195,000 $25,032,500
7 $2,675,227,500 $25,032,500
8 $2,700,260,000 $25,032,500
9 $2,725,292,500 $25,032,500
10 $2,750,325,000 $25,032,500
11 $2,775,357,500 $25,032,500
12 $2,800,390,000 $25,032,500
13 $2,825,422,500 $25,032,500
14 $2,850,455,000 $25,032,500
15 $2,875,487,500 $25,032,500
16 $2,900,520,000 $25,032,500
17 $2,925,552,500 $25,032,500
18 $2,950,585,000 $25,032,500
19 $2,975,617,500 $25,032,500
20 $3,000,650,000 $25,032,500
21 $3,025,682,500 $25,032,500
22 $3,050,715,000 $25,032,500
23 $3,075,747,500 $25,032,500
24 $3,100,780,000 $25,032,500
TOTAL $3,100,780,000 $25,032,500
un crdito de $ 2.500.000.000 a 24 meses que le presta la entidad B, cual es el valor de los intereses que
la compaa ENRECOL S.A.S al trmino de los 24 meses?

25.032.500 mes = 600.780.000 2 aos


00.780.000 = 3.100.780.000 2 aos

TOTAL INTERES ANUAL


$25,032,500 INTERESES A PAGAR EN 24 MESES
$50,065,000
$75,097,500
$100,130,000
$125,162,500
$150,195,000
$175,227,500
$200,260,000
$225,292,500
$250,325,000
$275,357,500
$300,390,000
$325,422,500
$350,455,000
$375,487,500
$400,520,000
$425,552,500
$450,585,000
$475,617,500
$500,650,000
$525,682,500
$550,715,000
$575,747,500
$600,780,000
$600,780,000
r de los intereses que

AGAR EN 24 MESES $600,780,000


Aplicando la tasa de inters anual simple del 12,9% de un crdito de $ 2.500.000.000 a 36 mese
el valor de los intereses que debe pagar la compaa ENRECOL S.A.S al trmino

P= 2,500,000,000
r= 0.129 12.9%
t= 3 aos 36 meses

I= Prt = (2.500.000.000)(0.129)(3 aos) = 967.500.000 = 26.875.000 mes


monto total= 2.500.000.000 + 967.500.000 = 3.467.500.000 3 aos

MES CAPITAL INTERESES TOTAL INTERES ANUAL


1 $2,500,000,000 $26,875,000 $26,875,000
2 $2,500,000,000 $26,875,000 $53,750,000
3 $2,500,000,000 $26,875,000 $80,625,000
4 $2,500,000,000 $26,875,000 $107,500,000
5 $2,500,000,000 $26,875,000 $134,375,000
6 $2,500,000,000 $26,875,000 $161,250,000
7 $2,500,000,000 $26,875,000 $188,125,000
8 $2,500,000,000 $26,875,000 $215,000,000
9 $2,500,000,000 $26,875,000 $241,875,000
10 $2,500,000,000 $26,875,000 $268,750,000
11 $2,500,000,000 $26,875,000 $295,625,000
12 $2,500,000,000 $26,875,000 $322,500,000
13 $2,500,000,000 $26,875,000 $349,375,000
14 $2,500,000,000 $26,875,000 $376,250,000
15 $2,500,000,000 $26,875,000 $403,125,000
16 $2,500,000,000 $26,875,000 $430,000,000
17 $2,500,000,000 $26,875,000 $456,875,000
18 $2,500,000,000 $26,875,000 $483,750,000
19 $2,500,000,000 $26,875,000 $510,625,000
20 $2,500,000,000 $26,875,000 $537,500,000
21 $2,500,000,000 $26,875,000 $564,375,000
22 $2,500,000,000 $26,875,000 $591,250,000
23 $2,500,000,000 $26,875,000 $618,125,000
24 $2,500,000,000 $26,875,000 $645,000,000
25 $2,500,000,000 $26,875,000 $671,875,000
26 $2,500,000,000 $26,875,000 $698,750,000
27 $2,500,000,000 $26,875,000 $725,625,000
28 $2,500,000,000 $26,875,000 $752,500,000
29 $2,500,000,000 $26,875,000 $779,375,000
30 $2,500,000,000 $26,875,000 $806,250,000
31 $2,500,000,000 $26,875,000 $833,125,000
32 $2,500,000,000 $26,875,000 $860,000,000
33 $2,500,000,000 $26,875,000 $886,875,000
34 $2,500,000,000 $26,875,000 $913,750,000
35 $2,500,000,000 $26,875,000 $940,625,000
36 $2,500,000,000 $26,875,000 $967,500,000
TOTAL ### $3,467,500,000
o de $ 2.500.000.000 a 36 meses que le presta la entidad C, cual es
paa ENRECOL S.A.S al trmino de los 36 meses?

= 26.875.000 mes
500.000 3 aos

INTERESES A PAGAR EN 36 MESES $967,500,000


Aplicando la tasa de inters efectiva anual del 12,9% de un crdito de $ 2.500.000.000 a 36 mes
que debe pagar la compaa ENRECOL S.A.S al trmino

P= 2,500,000,000
r= 0.010162 tasa efectiva mensual 1.0162%
t= 3 aos 36 meses

I= Prt = (2.500.000.000)(0.010162)(36 meses) =


monto total= 2.500.000.000 + 914.580.000 = 3.414.580.000 3 aos

MES CAPITAL FINAL INTERESES


1 $2,525,405,000 $25,405,000
2 $2,550,810,000 $25,405,000
3 $2,576,215,000 $25,405,000
4 $2,601,620,000 $25,405,000
5 $2,627,025,000 $25,405,000
6 $2,652,430,000 $25,405,000
7 $2,677,835,000 $25,405,000
8 $2,703,240,000 $25,405,000
9 $2,728,645,000 $25,405,000
10 $2,754,050,000 $25,405,000
11 $2,779,455,000 $25,405,000
12 $2,804,860,000 $25,405,000
13 $2,830,265,000 $25,405,000
14 $2,855,670,000 $25,405,000
15 $2,881,075,000 $25,405,000
16 $2,906,480,000 $25,405,000
17 $2,931,885,000 $25,405,000
18 $2,957,290,000 $25,405,000
19 $2,982,695,000 $25,405,000
20 $3,008,100,000 $25,405,000
21 $3,033,505,000 $25,405,000
22 $3,058,910,000 $25,405,000
23 $3,084,315,000 $25,405,000
24 $3,109,720,000 $25,405,000
25 $3,135,125,000 $25,405,000
26 $3,160,530,000 $25,405,000
27 $3,185,935,000 $25,405,000
28 $3,211,340,000 $25,405,000
29 $3,236,745,000 $25,405,000
30 $3,262,150,000 $25,405,000
31 $3,287,555,000 $25,405,000
32 $3,312,960,000 $25,405,000
33 $3,338,365,000 $25,405,000
34 $3,363,770,000 $25,405,000
35 $3,389,175,000 $25,405,000
36 $3,414,580,000 $25,405,000
TOTAL $3,414,580,000 $25,405,000
de un crdito de $ 2.500.000.000 a 36 meses que le presta la entidad C, cual es el valor de los intereses
agar la compaa ENRECOL S.A.S al trmino de los 36 meses?

25.405.000 mes = 914.580.000 3 aos


+ 914.580.000 = 3.414.580.000 3 aos

TOTAL INTERES ANUAL


$25,405,000 INTERESES A PAGAR EN 36 MESES
$50,810,000
$76,215,000
$101,620,000
$127,025,000
$152,430,000
$177,835,000
$203,240,000
$228,645,000
$254,050,000
$279,455,000
$304,860,000
$330,265,000
$355,670,000
$381,075,000
$406,480,000
$431,885,000
$457,290,000
$482,695,000
$508,100,000
$533,505,000
$558,910,000
$584,315,000
$609,720,000
$635,125,000
$660,530,000
$685,935,000
$711,340,000
$736,745,000
$762,150,000
$787,555,000
$812,960,000
$838,365,000
$863,770,000
$889,175,000
$914,580,000
$914,580,000
valor de los intereses

AGAR EN 36 MESES $914,580,000


Aplicando la tasa de inters anual simple del 13,2% de un crdito de $ 2.500.000.000 a 48 mes
valor de los intereses que debe pagar la compaa ENRECOL S.A.S al trmin

P= 2,500,000,000
r= 0.132 13.2%
t= 4 aos 48 meses

I= Prt = (2.500.000.000)(0.132)(4 aos) = 1.320.000.000 = 27.500.000 mes


monto total= 2.500.000.000 + 1.320.000.000 = 3.820.000.000 4 aos

MES CAPITAL INTERESES TOTAL INTERES ANUAL


1 $2,500,000,000 $27,500,000 $27,500,000
2 $2,500,000,000 $27,500,000 $55,000,000
3 $2,500,000,000 $27,500,000 $82,500,000
4 $2,500,000,000 $27,500,000 $110,000,000
5 $2,500,000,000 $27,500,000 $137,500,000
6 $2,500,000,000 $27,500,000 $165,000,000
7 $2,500,000,000 $27,500,000 $192,500,000
8 $2,500,000,000 $27,500,000 $220,000,000
9 $2,500,000,000 $27,500,000 $247,500,000
10 $2,500,000,000 $27,500,000 $275,000,000
11 $2,500,000,000 $27,500,000 $302,500,000
12 $2,500,000,000 $27,500,000 $330,000,000
13 $2,500,000,000 $27,500,000 $357,500,000
14 $2,500,000,000 $27,500,000 $385,000,000
15 $2,500,000,000 $27,500,000 $412,500,000
16 $2,500,000,000 $27,500,000 $440,000,000
17 $2,500,000,000 $27,500,000 $467,500,000
18 $2,500,000,000 $27,500,000 $495,000,000
19 $2,500,000,000 $27,500,000 $522,500,000
20 $2,500,000,000 $27,500,000 $550,000,000
21 $2,500,000,000 $27,500,000 $577,500,000
22 $2,500,000,000 $27,500,000 $605,000,000
23 $2,500,000,000 $27,500,000 $632,500,000
24 $2,500,000,000 $27,500,000 $660,000,000
25 $2,500,000,000 $27,500,000 $687,500,000
26 $2,500,000,000 $27,500,000 $715,000,000
27 $2,500,000,000 $27,500,000 $742,500,000
28 $2,500,000,000 $27,500,000 $770,000,000
29 $2,500,000,000 $27,500,000 $797,500,000
30 $2,500,000,000 $27,500,000 $825,000,000
31 $2,500,000,000 $27,500,000 $852,500,000
32 $2,500,000,000 $27,500,000 $880,000,000
33 $2,500,000,000 $27,500,000 $907,500,000
34 $2,500,000,000 $27,500,000 $935,000,000
35 $2,500,000,000 $27,500,000 $962,500,000
36 $2,500,000,000 $27,500,000 $990,000,000
37 $2,500,000,000 $27,500,000 $1,017,500,000
38 $2,500,000,000 $27,500,000 $1,045,000,000
39 $2,500,000,000 $27,500,000 $1,072,500,000
40 $2,500,000,000 $27,500,000 $1,100,000,000
41 $2,500,000,000 $27,500,000 $1,127,500,000
42 $2,500,000,000 $27,500,000 $1,155,000,000
43 $2,500,000,000 $27,500,000 $1,182,500,000
44 $2,500,000,000 $27,500,000 $1,210,000,000
45 $2,500,000,000 $27,500,000 $1,237,500,000
46 $2,500,000,000 $27,500,000 $1,265,000,000
47 $2,500,000,000 $27,500,000 $1,292,500,000
48 $2,500,000,000 $27,500,000 $1,320,000,000
TOTAL ### $3,820,000,000
dito de $ 2.500.000.000 a 48 meses que le presta la entidad D, cual es el
ompaa ENRECOL S.A.S al trmino de los 48 meses?

0.000 = 27.500.000 mes


820.000.000 4 aos

INTERESES A PAGAR EN 48 MESES ###


Aplicando la tasa de inters efectiva anual del 13,2% de un crdito de $ 2.500.000.000 a 48 me
que debe pagar la compaa ENRECOL S.A.S al trmin

P= 2,500,000,000
r= 0.010386 tasa efectiva mensual 1.0386%
t= 4 aos 48 meses

I= Prt = (2.500.000.000)(0.010386)(48 meses) =


monto total= 2.500.000.000 + 1.246.320.000 = 3.746.320.000 4 aos

MES CAPITAL FINAL INTERESES


1 $2,525,965,000 $25,965,000
2 $2,551,930,000 $25,965,000
3 $2,577,895,000 $25,965,000
4 $2,603,860,000 $25,965,000
5 $2,629,825,000 $25,965,000
6 $2,655,790,000 $25,965,000
7 $2,681,755,000 $25,965,000
8 $2,707,720,000 $25,965,000
9 $2,733,685,000 $25,965,000
10 $2,759,650,000 $25,965,000
11 $2,785,615,000 $25,965,000
12 $2,811,580,000 $25,965,000
13 $2,837,545,000 $25,965,000
14 $2,863,510,000 $25,965,000
15 $2,889,475,000 $25,965,000
16 $2,915,440,000 $25,965,000
17 $2,941,405,000 $25,965,000
18 $2,967,370,000 $25,965,000
19 $2,993,335,000 $25,965,000
20 $3,019,300,000 $25,965,000
21 $3,045,265,000 $25,965,000
22 $3,071,230,000 $25,965,000
23 $3,097,195,000 $25,965,000
24 $3,123,160,000 $25,965,000
25 $3,149,125,000 $25,965,000
26 $3,175,090,000 $25,965,000
27 $3,201,055,000 $25,965,000
28 $3,227,020,000 $25,965,000
29 $3,252,985,000 $25,965,000
30 $3,278,950,000 $25,965,000
31 $3,304,915,000 $25,965,000
32 $3,330,880,000 $25,965,000
33 $3,356,845,000 $25,965,000
34 $3,382,810,000 $25,965,000
35 $3,408,775,000 $25,965,000
36 $3,434,740,000 $25,965,000
37 $3,460,705,000 $25,965,000
38 $3,486,670,000 $25,965,000
39 $3,512,635,000 $25,965,000
40 $3,538,600,000 $25,965,000
41 $3,564,565,000 $25,965,000
42 $3,590,530,000 $25,965,000
43 $3,616,495,000 $25,965,000
44 $3,642,460,000 $25,965,000
45 $3,668,425,000 $25,965,000
46 $3,694,390,000 $25,965,000
47 $3,720,355,000 $25,965,000
48 $3,746,320,000 $25,965,000
TOTAL $3,746,320,000 $25,965,000
de un crdito de $ 2.500.000.000 a 48 meses que le presta la entidad D, cual es el valor de los intereses
gar la compaa ENRECOL S.A.S al trmino de los 48 meses?

25.965.000 mes = 1.246.320.000 4 aos


1.246.320.000 = 3.746.320.000 4 aos

TOTAL INTERES ANUAL


$25,965,000 INTERESES A PAGAR EN 48 MESES
$51,930,000
$77,895,000
$103,860,000
$129,825,000
$155,790,000
$181,755,000
$207,720,000
$233,685,000
$259,650,000
$285,615,000
$311,580,000
$337,545,000
$363,510,000
$389,475,000
$415,440,000
$441,405,000
$467,370,000
$493,335,000
$519,300,000
$545,265,000
$571,230,000
$597,195,000
$623,160,000
$649,125,000
$675,090,000
$701,055,000
$727,020,000
$752,985,000
$778,950,000
$804,915,000
$830,880,000
$856,845,000
$882,810,000
$908,775,000
$934,740,000
$960,705,000
$986,670,000
$1,012,635,000
$1,038,600,000
$1,064,565,000
$1,090,530,000
$1,116,495,000
$1,142,460,000
$1,168,425,000
$1,194,390,000
$1,220,355,000
$1,246,320,000
$1,246,320,000
valor de los intereses

AGAR EN 48 MESES ###


Aplicando la tasa de inters anual simple del 14,3% de un crdito de $ 2.500.000.000 a 60 mese
de los intereses que debe pagar la compaa ENRECOL S.A.S al trmino

P= 2,500,000,000
r= 0.143 14.3%
t= 5 aos 60 meses

I= Prt = (2.500.000.000)(0.143)(5 aos) = 1.787.500.000 = 29.791.666 mes


monto total= 2.500.000.000 + 1.787.500.000 = 4.287.500.000 5 aos

MES CAPITAL INTERESES TOTAL INTERES ANUAL


1 $2,500,000,000 $29,791,666 $29,791,666
2 $2,500,000,000 $29,791,666 $59,583,332
3 $2,500,000,000 $29,791,666 $89,374,998
4 $2,500,000,000 $29,791,666 $119,166,664
5 $2,500,000,000 $29,791,666 $148,958,330
6 $2,500,000,000 $29,791,666 $178,749,996
7 $2,500,000,000 $29,791,666 $208,541,662
8 $2,500,000,000 $29,791,666 $238,333,328
9 $2,500,000,000 $29,791,666 $268,124,994
10 $2,500,000,000 $29,791,666 $297,916,660
11 $2,500,000,000 $29,791,666 $327,708,326
12 $2,500,000,000 $29,791,666 $357,499,992
13 $2,500,000,000 $29,791,666 $387,291,658
14 $2,500,000,000 $29,791,666 $417,083,324
15 $2,500,000,000 $29,791,666 $446,874,990
16 $2,500,000,000 $29,791,666 $476,666,656
17 $2,500,000,000 $29,791,666 $506,458,322
18 $2,500,000,000 $29,791,666 $536,249,988
19 $2,500,000,000 $29,791,666 $566,041,654
20 $2,500,000,000 $29,791,666 $595,833,320
21 $2,500,000,000 $29,791,666 $625,624,986
22 $2,500,000,000 $29,791,666 $655,416,652
23 $2,500,000,000 $29,791,666 $685,208,318
24 $2,500,000,000 $29,791,666 $714,999,984
25 $2,500,000,000 $29,791,666 $744,791,650
26 $2,500,000,000 $29,791,666 $774,583,316
27 $2,500,000,000 $29,791,666 $804,374,982
28 $2,500,000,000 $29,791,666 $834,166,648
29 $2,500,000,000 $29,791,666 $863,958,314
30 $2,500,000,000 $29,791,666 $893,749,980
31 $2,500,000,000 $29,791,666 $923,541,646
32 $2,500,000,000 $29,791,666 $953,333,312
33 $2,500,000,000 $29,791,666 $983,124,978
34 $2,500,000,000 $29,791,666 $1,012,916,644
35 $2,500,000,000 $29,791,666 $1,042,708,310
36 $2,500,000,000 $29,791,666 $1,072,499,976
37 $2,500,000,000 $29,791,666 $1,102,291,642
38 $2,500,000,000 $29,791,666 $1,132,083,308
39 $2,500,000,000 $29,791,666 $1,161,874,974
40 $2,500,000,000 $29,791,666 $1,191,666,640
41 $2,500,000,000 $29,791,666 $1,221,458,306
42 $2,500,000,000 $29,791,666 $1,251,249,972
43 $2,500,000,000 $29,791,666 $1,281,041,638
44 $2,500,000,000 $29,791,666 $1,310,833,304
45 $2,500,000,000 $29,791,666 $1,340,624,970
46 $2,500,000,000 $29,791,666 $1,370,416,636
47 $2,500,000,000 $29,791,666 $1,400,208,302
48 $2,500,000,000 $29,791,666 $1,429,999,968
49 $2,500,000,000 $29,791,666 $1,459,791,634
50 $2,500,000,000 $29,791,666 $1,489,583,300
51 $2,500,000,000 $29,791,666 $1,519,374,966
52 $2,500,000,000 $29,791,666 $1,549,166,632
53 $2,500,000,000 $29,791,666 $1,578,958,298
54 $2,500,000,000 $29,791,666 $1,608,749,964
55 $2,500,000,000 $29,791,666 $1,638,541,630
56 $2,500,000,000 $29,791,666 $1,668,333,296
57 $2,500,000,000 $29,791,666 $1,698,124,962
58 $2,500,000,000 $29,791,666 $1,727,916,628
59 $2,500,000,000 $29,791,666 $1,757,708,294
60 $2,500,000,000 $29,791,666 $1,787,499,960
TOTAL ### $4,287,499,960
ito de $ 2.500.000.000 a 60 meses que le presta la entidad E, cual es el valor
mpaa ENRECOL S.A.S al trmino de los 60 meses?

500.000 = 29.791.666 mes


4.287.500.000 5 aos

INTERESES A PAGAR EN 60 MESES ###


Aplicando la tasa de inters efectiva anual del 14,3% de un crdito de $ 2.500.000.000 a 60 mese
debe pagar la compaa ENRECOL S.A.S al trmino

P= 2,500,000,000
r= 0.0112 tasa efectiva mensual 1.1200%
t= 5 aos 60 meses

I= Prt = (2.500.000.000)(0.0112)(60 meses) =


monto total= 2.500.000.000 + 1.680.000.000 = 4.180.000.000 5 aos

MES CAPITAL INTERESES


1 $2,528,000,000 $28,000,000
2 $2,556,000,000 $28,000,000
3 $2,584,000,000 $28,000,000
4 $2,612,000,000 $28,000,000
5 $2,640,000,000 $28,000,000
6 $2,668,000,000 $28,000,000
7 $2,696,000,000 $28,000,000
8 $2,724,000,000 $28,000,000
9 $2,752,000,000 $28,000,000
10 $2,780,000,000 $28,000,000
11 $2,808,000,000 $28,000,000
12 $2,836,000,000 $28,000,000
13 $2,864,000,000 $28,000,000
14 $2,892,000,000 $28,000,000
15 $2,920,000,000 $28,000,000
16 $2,948,000,000 $28,000,000
17 $2,976,000,000 $28,000,000
18 $3,004,000,000 $28,000,000
19 $3,032,000,000 $28,000,000
20 $3,060,000,000 $28,000,000
21 $3,088,000,000 $28,000,000
22 $3,116,000,000 $28,000,000
23 $3,144,000,000 $28,000,000
24 $3,172,000,000 $28,000,000
25 $3,200,000,000 $28,000,000
26 $3,228,000,000 $28,000,000
27 $3,256,000,000 $28,000,000
28 $3,284,000,000 $28,000,000
29 $3,312,000,000 $28,000,000
30 $3,340,000,000 $28,000,000
31 $3,368,000,000 $28,000,000
32 $3,396,000,000 $28,000,000
33 $3,424,000,000 $28,000,000
34 $3,452,000,000 $28,000,000
35 $3,480,000,000 $28,000,000
36 $3,508,000,000 $28,000,000
37 $3,536,000,000 $28,000,000
38 $3,564,000,000 $28,000,000
39 $3,592,000,000 $28,000,000
40 $3,620,000,000 $28,000,000
41 $3,648,000,000 $28,000,000
42 $3,676,000,000 $28,000,000
43 $3,704,000,000 $28,000,000
44 $3,732,000,000 $28,000,000
45 $3,760,000,000 $28,000,000
46 $3,788,000,000 $28,000,000
47 $3,816,000,000 $28,000,000
48 $3,844,000,000 $28,000,000
49 $3,872,000,000 $28,000,000
50 $3,900,000,000 $28,000,000
51 $3,928,000,000 $28,000,000
52 $3,956,000,000 $28,000,000
53 $3,984,000,000 $28,000,000
54 $4,012,000,000 $28,000,000
55 $4,040,000,000 $28,000,000
56 $4,068,000,000 $28,000,000
57 $4,096,000,000 $28,000,000
58 $4,124,000,000 $28,000,000
59 $4,152,000,000 $28,000,000
60 $4,180,000,000 $28,000,000
TOTAL $4,180,000,000 $28,000,000
un crdito de $ 2.500.000.000 a 60 meses que le presta la entidad E, cual es el valor de los intereses que
ar la compaa ENRECOL S.A.S al trmino de los 60 meses?

28.000.000 mes = 1.680.000.000 5 aos


1.680.000.000 = 4.180.000.000 5 aos

TOTAL INTERES ANUAL


$28,000,000 INTERESES A PAGAR EN 60 MESES
$56,000,000
$84,000,000
$112,000,000
$140,000,000
$168,000,000
$196,000,000
$224,000,000
$252,000,000
$280,000,000
$308,000,000
$336,000,000
$364,000,000
$392,000,000
$420,000,000
$448,000,000
$476,000,000
$504,000,000
$532,000,000
$560,000,000
$588,000,000
$616,000,000
$644,000,000
$672,000,000
$700,000,000
$728,000,000
$756,000,000
$784,000,000
$812,000,000
$840,000,000
$868,000,000
$896,000,000
$924,000,000
$952,000,000
$980,000,000
$1,008,000,000
$1,036,000,000
$1,064,000,000
$1,092,000,000
$1,120,000,000
$1,148,000,000
$1,176,000,000
$1,204,000,000
$1,232,000,000
$1,260,000,000
$1,288,000,000
$1,316,000,000
$1,344,000,000
$1,372,000,000
$1,400,000,000
$1,428,000,000
$1,456,000,000
$1,484,000,000
$1,512,000,000
$1,540,000,000
$1,568,000,000
$1,596,000,000
$1,624,000,000
$1,652,000,000
$1,680,000,000
$1,680,000,000
or de los intereses que

AGAR EN 60 MESES ###


2. LA COMPAA ENRECOL DESEA CONOCER:

A. Qu tasa efectiva le liquida la entidad A, por un prestamo que se pactara al 11,5% de


inters anual convertible semestralmente?.

tasa: 11,5% /100 = 0,115


periodos 2

=(1+/) ^ =(1+0.115/2) ^2 = -1
formula a utilizar
-1 = 11,83%

B. Qu tasa efectiva le liquida la entidad B, por un prstamo


que se pactara al 12,7% de inters anual convertible
cuatrimestralmente?

tasa: 12,7% /100 = 0,127


periodos 3

formula a utilizar =(1+/) ^ =(1+0.127/3) ^3 = -1


-1 = 13,25%
OCER:

C. Qu tasa efectiva le liquida la entidad C, por un prstamo


que se pactara al 12,9% de inters anual convertible
trimestralmente?

tasa: 12,9% /100 = 0,129


periodos 4

=(1+/) ^
formula a utilizar
-1

C. Qu tasa efectiva le liquida la entidad D, por un prstamo


que se pactara al 13,2% de inters anual convertible
bimestralmente?

tasa: 13,2% /100 = 0,132


periodos 6

formula a utilizar =(1+/) ^


-1
le liquida la entidad C, por un prstamo E. Qu tasa efectiva le liqu
l 12,9% de inters anual convertible que se pactara al 14,3%
trimestralmente? bimen

12,9% /100 = 0,129 tasa:


4 periodos

=(1+0.129/4) ^4 = -1 formula a utilizar


= 13,54%

le liquida la entidad D, por un prstamo


l 13,2% de inters anual convertible
bimestralmente?

13,2% /100 = 0,132


6

=(1+0.132/6) ^6 = -1
= 13,95%
E. Qu tasa efectiva le liquida la entidad E, por un prstamo
que se pactara al 14,3% de inters anual convertible
bimensualmente?

14,3% /100 = 0,143


24

=(1+/) ^ =(1+0.143/24) ^24 = -1


-1 = 15,32%
PROPUEST TIEMPO
MONTO DEL TIPO DE TASA TASA DE
A DEL DEL
CREDITO DE INTERES INTERES
CREDITO CREDITO
hipotecario 2,500,000,000 12 meses anual simple 11.5%
hipotecario 2,500,000,000 12 Meses efectiva anual 11.5%
hipotecario 2,500,000,000 24 meses anual simple 12.7%
hipotecario 2,500,000,000 24 meses efectiva anual 12.7%
hipotecario 2,500,000,000 36 meses anual simple 12.9%
hipotecario 2,500,000,000 36 meses efectiva anual 12.9%
hipotecario 2,500,000,000 48 meses anual simple 13.2%
hipotecario 2,500,000,000 48 meses efectiva anual 13.2%
hipotecario 2,500,000,000 60 meses anual simple 14.3%
hipotecario 2,500,000,000 60 meses efectiva anual 14.3%

Determine cul de las cinco (5) opciones de financiacin


aplicando el inters simple es la ms conveniente para que
la compaa ENRECOL S.A.S, desarrolle su proyecto de
inversin, teniendo en cuenta el costo financiero que
representa cada opcin de financiamiento y el tiempo de
duracin del crdito. Debe argumentar su respuesta y
porque

Determine cul de las cinco (5) opciones de financiacin aplicando el inters compuesto es la
ms conveniente para que la compaa ENRECOL S.A.S, desarrolle su proyecto de inversin,
teniendo en cuenta el costo financiero que representa cada opcin de financiamiento y el
tiempo de duracin del crdito. Debe argumentar su respuesta y porque.

Qu factores tuvo en cuenta diferente al costo de financiacin y tiempo de duracin del


crdito, para escoger la mejor opcin de financiacin del proyecto de inversin y porque desde
el punto de vista de los inversionistas?

Cul considera es el factor o elemento ms importante a tener en cuenta al momento de


analizar y evaluar alternativas de financiacin para emprender proyectos de inversin y
porque?
VALOR DE LOS
INTERESES
GENERADOS
$287,500,000
$273,360,000
$635,000,000
$600,780,000
$967,500,000
$914,580,000
$1,320,000,000
$1,246,320,000
$1,787,500,000
$1,680,000,000

financiacin sin lugar a dudas, pienso que la mejor opcion de financiacion con
nte para que respecto al interes simple, es la primera, en donde se prolonga a
royecto de 12 meses; ya que se puede evidenciar que los intereses son
nciero que relativamente bajos; si realizamos la operacin de multiplicar este
el tiempo de valor por los 5 aos, nos da un valor mucho menor al que nos
espuesta y aparece en el cuadro comparativo, ya que con el tiempo
obviamente los intereses suben de manera significativa.

ndo el inters compuesto es la de las 5 opciones de financiacion del interes compuesto, la mejor
olle su proyecto de inversin, es igualmente la primera, por la misma razon, si multiplicamos
pcin de financiamiento y el este valor por los 5 aos, no da un valor muy bajo, al que aparece
respuesta y porque. en la tabla.

tuve en cuenta, un factor ficticio, que es la produccion; ya que si


n y tiempo de duracin del
se realiza una buena planeacion de la produccion con base en la
to de inversin y porque desde
demanda, se puede tambien escatimar en costos, gastos y
as?
ganancias.

er en cuenta al momento de considero que el factor mas importante, es el valor del monto y la
er proyectos de inversin y demanda que pueda producir el producto que vamos a ofrecer y
con el cual pensamos pagar el valor de la deuda.

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