Matemticas Financieras

Actividad Individual

Miguel Hernando Snchez Capera

Cdigo 11229450

Grupo 102007_70

Universidad Nacional Abierta y a Distancia UNAD

Escuela de Ciencias Administrativas, Contables, Econmicas y de Negocios

Administracin de Empresas

2017
 Trabajo Individual

Actividad Individual

Miguel Hernando Snchez Capera

Cdigo 11229450

Grupo 102007_70

Presentado a

Emily Tatiana Muoz

Universidad Nacional Abierta y a Distancia UNAD

Escuela de Ciencias Administrativas, Contables, Econmicas y de Negocios

Administracin de Empresas

2017
La compaa ENRECOL - Energas renovables de Colombia S.A.S la cual se dedica a la
explotacin y comercializacin de energa a partir del uso de fuentes naturales, desea
realizar un proyecto de inversin el cual consiste en la construccin de un Parque Elico
con 5 aerogeneradores para un total de 10 MW de potencia instalada, el capital requerido
para realizar su proyecto de inversin es de $ 5.000.000.000 (Cinco mil millones de pesos).

La compaa requiere para emprender su proyecto la suma de $ 2.500.000.000 (Dos mil

quinientos millones de pesos), dado que dispone del capital restante para su proyecto. La
compaa requiere del apalancamiento por parte una entidad financiera para desarrollar
su proyecto de inversin, por lo cual ha decidido evaluar y analizar la propuesta de
financiacin que han ofrecido cinco (5) entidades financieras por medio de la financiacin a
inters simple e inters compuesto.

1. Desarrollar Tablas de inters simple y Tablas de inters compuesto que den respuesta a los
siguientes interrogantes;

A. Aplicando la tasa de inters simple mensual del 0,97% de un crdito de $ 2.500.000.000 a 12

meses que le presta la entidad A, cual es el valor de los intereses que debe pagar la compaa
ENRECOL S.A.S al trmino de los 12 meses?

I = P*i*n

P= $2.500.000.000

I=0,97%

n=12

I =$2.500.000.000 *0.0097*12

I = $291.000.000

INTERES INTERES
PERIODO (n) CAPITAL INICIAL CAPITAL FINAL
GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $24.250.000 $2.524.250.000 $24.250.000
2 $2.524.250.000 $24.250.000 $2.548.500.000 $48.500.000
3 $2.548.500.000 $24.250.000 $2.572.750.000 $72.750.000
4 $2.572.750.000 $24.250.000 $2.597.000.000 $97.000.000
5 $2.597.000.000 $24.250.000 $2.621.250.000 $121.250.000
6 $2.621.250.000 $24.250.000 $2.645.500.000 $145.500.000
7 $2.645.500.000 $24.250.000 $2.669.750.000 $169.750.000
8 $2.669.750.000 $24.250.000 $2.694.000.000 $194.000.000
9 $2.694.000.000 $24.250.000 $2.718.250.000 $218.250.000
10 $2.718.250.000 $24.250.000 $2.742.500.000 $242.500.000
11 $2.742.500.000 $24.250.000 $2.766.750.000 $266.750.000
12 $2.766.750.000 $24.250.000 $2.791.000.000 $291.000.000
El valor de la tasa de inters simple mensual de 0,97% que debe pagar la compaa ENRECOL
S.A.S a la entidad A trmino de los 12 meses es de $ 291.000.000.00.

B. Aplicando la tasa de inters compuesto mensual del 0,97% de un crdito de $ 2.500.000.000

a 12 meses que le presta la entidad A, cual es el valor de los intereses que debe pagar la
compaa ENRECOL S.A.S al trmino de los 12 meses?

= (1 + )

P= $2.500.000.000

i=0,97%

n=12 meses

= $2.500.000.000(1 + 0,97%)12

= $2.500.000.000(1 + 0,0097%)12

= $2.500.000.000(1,0097)12

= $2.807.037.947,62

INTERES INTERES
PERIODO (n) CAPITAL INICIAL CAPITAL FINAL
GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $24.250.000 $2.524.250.000 $24.250.000
2 $2.524.250.000 $24.485.225 $2.548.735.225 $48.735.225
3 $2.548.735.225 $24.722.732 $2.573.457.957 $73.457.957
4 $2.573.457.957 $24.962.542 $2.598.420.499 $98.420.499
5 $2.598.420.499 $25.204.679 $2.623.625.178 $123.625.178
6 $2.623.625.178 $25.449.164 $2.649.074.342 $149.074.342
7 $2.649.074.342 $25.696.021 $2.674.770.363 $174.770.363
8 $2.674.770.363 $25.945.273 $2.700.715.636 $200.715.636
9 $2.700.715.636 $26.196.942 $2.726.912.577 $226.912.577
10 $2.726.912.577 $26.451.052 $2.753.363.629 $253.363.629
11 $2.753.363.629 $26.707.627 $2.780.071.256 $280.071.256
12 $2.780.071.256 $26.966.691 $2.807.037.948 $307.037.948

El valor de la tasa de inters compuesto mensual del 0,97% que debe pagar la compaa
ENRECOL S.A.S a la entidad A al trmino de los 12 meses es de$2.807.037.947,62.
Aplicando la tasa de inters simple mensual del 1,076% de un crdito de $ 2.500.000.000 a 24
meses que le presta la entidad B, cual es el valor de los intereses que debe pagar la compaa
ENRECOL S.A.S al trmino de los 24 meses?

I = P*i*n

P= $2.500.000.000

I=1,076%

n=24

I =$2.500.000.000 *0.01076*24

I = $645.600.000

INTERES INTERES
PERIODO (n) CAPITAL INICIAL CAPITAL FINAL
GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $26.900.000 $2.526.900.000 $26.900.000
2 $2.526.900.000 $26.900.000 $2.553.800.000 $53.800.000
3 $2.553.800.000 $26.900.000 $2.580.700.000 $80.700.000
4 $2.580.700.000 $26.900.000 $2.607.600.000 $107.600.000
5 $2.607.600.000 $26.900.000 $2.634.500.000 $134.500.000
6 $2.634.500.000 $26.900.000 $2.661.400.000 $161.400.000
7 $2.661.400.000 $26.900.000 $2.688.300.000 $188.300.000
8 $2.688.300.000 $26.900.000 $2.715.200.000 $215.200.000
9 $2.715.200.000 $26.900.000 $2.742.100.000 $242.100.000
10 $2.742.100.000 $26.900.000 $2.769.000.000 $269.000.000
11 $2.769.000.000 $26.900.000 $2.795.900.000 $295.900.000
12 $2.795.900.000 $26.900.000 $2.822.800.000 $322.800.000
13 $2.822.800.000 $26.900.000 $2.849.700.000 $349.700.000
14 $2.849.700.000 $26.900.000 $2.876.600.000 $376.600.000
15 $2.876.600.000 $26.900.000 $2.903.500.000 $403.500.000
16 $ 2.903.500.000 $ 26.900.000 $ 2.930.400.000 $ 430.400.000
17 $ 2.930.400.000 $ 26.900.000 $2.957.300.000 $ 457.300.000
18 $ 2.957.300.000 $ 26.900.000 $ 2.984.200.000 $ 484.200.000
19 $ 2.984.200.000 $ 26.900.000 $ 3.011.100.000 $ 511.100.000
20 $ 3.011.100.000 $ 26.900.000 $ 3.038.000.000 $ 538.000.000
21 $ 3.038.000.000 $ 26.900.000 $ 3.064.900.000 $ 564.900.000
22 $ 3.064.900.000 $ 26.900.000 $ 3.091.800.000 $ 591.800.000
23 $ 3.091.800.000 $ 26.900.000 $ 3.118.700.000 $ 618.700.000
24 $ 3.118.700.000 $ 26.900.000 $ 3.145.600.000 $ 645.600.000
El valor de la tasa de inters simple mensual del 1,076% que debe pagar la compaa ENRECOL
S.A.S a la entidad B al trmino de los 24 meses es de $ 645.600.000.00

D. Aplicando la tasa de inters compuesto mensual del 1,076% de un crdito de $

2.500.000.000 a 24 meses que le presta la entidad B, cual es el valor de los intereses que debe
pagar la compaa ENRECOL S.A.S al trmino de los 24 meses?

= (1 + )

P= $2.500.000.000

i=1,076%

n=24 meses

= $2.500.000.000(1 + 1,076%)24

= $2.500.000.000(1 + 0,01076%)24

= $2.500.000.000(1,0097)24

= $3.232.162.077,26

INTERES INTERES
PERIODO (n) CAPITAL INICIAL CAPITAL FINAL
GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $26.900.000 $2.526.900.000 $26.900.000
2 $2.526.900.000 $27.189.444 $2.554.089.444 $54.089.444
3 $2.554.089.444 $27.482.002 $2.581.571.446 $81.571.446
4 $2.581.571.446 $27.777.709 $2.609.349.155 $109.349.155
5 $2.609.349.155 $28.076.597 $2.637.425.752 $137.425.752
6 $2.637.425.752 $28.378.701 $2.665.804.453 $165.804.453
7 $2.665.804.453 $28.684.056 $2.694.488.509 $194.488.509
8 $2.694.488.509 $28.992.696 $2.723.481.205 $223.481.205
9 $2.723.481.205 $29.304.658 $2.752.785.863 $252.785.863
10 $2.752.785.863 $29.619.976 $2.782.405.839 $282.405.839
11 $2.782.405.839 $29.938.687 $2.812.344.526 $312.344.526
12 $2.812.344.526 $30.260.827 $2.842.605.353 $342.605.353
13 $2.842.605.353 $30.586.434 $2.873.191.787 $373.191.787
14 $2.873.191.787 $30.915.544 $2.904.107.330 $404.107.330
15 $2.904.107.330 $31.248.195 $2.935.355.525 $435.355.525
 16 $2.935.355.525 $31.584.425 $2.966.939.951 $ 466.939.951
17 $2.966.939.951 $31.924.274 $2.998.864.224 $ 498.864.224
18 $2.998.864.224 $32.267.779 $3.031.132.004 $ 531.132.004
19 $3.031.132.004 $32.614.980 $3.063.746.984 $ 563.746.984
20 $3.063.746.984 $32.965.918 $3.096.712.901 $ 596.712.901
21 $3.096.712.901 $33.320.631 $3.130.033.532 $ 630.033.532
22 $3.130.033.532 $33.679.161 $3.163.712.693 $ 663.712.693
23 $3.163.712.693 $34.041.549 $3.197.754.242 $ 697.754.242
24 $3.197.754.242 $34.407.836 $3.232.162.077 $ 732.162.077

El valor de la tasa de inters compuesto mensual del 1,076% que debe pagar la compaa
ENRECOL S.A.S a la entidad B al trmino de los 24 meses es de $ 3.232.162.077.

E. Aplicando la tasa de inters simple mensual del 1,0959% de un crdito de $ 2.500.000.000 a

36 meses que le presta la entidad C, cual es el valor de los intereses que debe pagar la compaa
ENRECOL S.A.S al trmino de los 36 meses?

I = P*i*n

P= $2.500.000.000

I=1,0959%

n=36

I =$2.500.000.000 *0.010959*36

I = $986.310.000

INTERES INTERES
PERIODO (n) CAPITAL INICIAL CAPITAL FINAL
GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $27.397.500 $2.527.397.500 $27.397.500
2 $2.527.397.500 $27.397.500 $2.554.795.000 $54.795.000
3 $2.554.795.000 $27.397.500 $2.582.192.500 $82.192.500
4 $2.582.192.500 $27.397.500 $2.609.590.000 $109.590.000
5 $2.609.590.000 $27.397.500 $2.636.987.500 $136.987.500
6 $2.636.987.500 $27.397.500 $2.664.385.000 $164.385.000
7 $2.664.385.000 $27.397.500 $2.691.782.500 $191.782.500
8 $2.691.782.500 $27.397.500 $2.719.180.000 $219.180.000
9 $2.719.180.000 $27.397.500 $2.746.577.500 $246.577.500
 10 $2.746.577.500 $27.397.500 $2.773.975.000 $273.975.000
11 $2.773.975.000 $27.397.500 $2.801.372.500 $301.372.500
12 $2.801.372.500 $27.397.500 $2.828.770.000 $328.770.000
13 $2.828.770.000 $27.397.500 $2.856.167.500 $356.167.500
14 $2.856.167.500 $27.397.500 $2.883.565.000 $383.565.000
15 $2.883.565.000 $27.397.500 $2.910.962.500 $410.962.500
16 $2.910.962.500 $27.397.500 $2.938.360.000 $438.360.000
17 $2.938.360.000 $27.397.500 $2.965.757.500 $465.757.500
18 $2.965.757.500 $27.397.500 $2.993.155.000 $493.155.000
19 $2.993.155.000 $27.397.500 $3.020.552.500 $520.552.500
20 $3.020.552.500 $27.397.500 $3.047.950.000 $547.950.000
21 $3.047.950.000 $27.397.500 $3.075.347.500 $575.347.500
22 $3.075.347.500 $27.397.500 $3.102.745.000 $602.745.000
23 $3.102.745.000 $27.397.500 $3.130.142.500 $630.142.500
24 $3.130.142.500 $27.397.500 $3.157.540.000 $657.540.000
25 $3.157.540.000 $27.397.500 $3.184.937.500 $684.937.500
26 $3.184.937.500 $27.397.500 $3.212.335.000 $712.335.000
27 $3.212.335.000 $27.397.500 $3.239.732.500 $ 739.732.500
28 $3.239.732.500 $27.397.500 $3.267.130.000 $67.130.000
29 $3.267.130.000 $27.397.500 $3.294.527.500 $794.527.500
30 $3.294.527.500 $27.397.500 $3.321.925.000 $821.925.000
31 $3.321.925.000 $27.397.500 $3.349.322.500 $849.322.500
32 $3.349.322.500 $27.397.500 $3.376.720.000 $876.720.000
33 $3.376.720.000 $27.397.500 $3.404.117.500 $904.117.500
34 $3.404.117.500 $27.397.500 $3.431.515.000 $931.515.000
35 $3.431.515.000 $27.397.500 $3.458.912.500 $ 958.912.500
36 $3.458.912.500 $27.397.500 $3.486.310.000 $986.310.000

El valor de la tasa de inters simple mensual del 1,0959% que debe pagar la compaa
ENRECOL S.A.S a la entidad C al trmino de los 36 meses es de $ 986.310.000.

F. Aplicando la tasa de inters compuesto mensual del 1,0959% de un crdito de $

2.500.000.000 a 36 meses que le presta la entidad C, cual es el valor de los intereses que debe
pagar la compaa ENRECOL S.A.S al trmino de los 36 meses?

= (1 + )

P= $2.500.000.000

i=1,0959%
n=36 meses

= $2.500.000.000(1 + 1,0959%)36

= $2.500.000.000(1 + 0,010959%)36

= $2.500.000.000(1,010959)36

= $3.701.242.607

INTERES INTERES
PERIODO (n) CAPITAL INICIAL CAPITAL FINAL
GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $27.397.500 $2.527.397.500 $27.397.500
2 $2.527.397.500 $27.697.749 $2.555.095.249 $55.095.249
3 $2.555.095.249 $28.001.289 $2.583.096.538 $83.096.538
4 $2.583.096.538 $28.308.155 $2.611.404.693 $111.404.693
5 $2.611.404.693 $28.618.384 $2.640.023.077 $140.023.077
6 $2.640.023.077 $28.932.013 $2.668.955.090 $168.955.090
7 $2.668.955.090 $29.249.079 $2.698.204.169 $198.204.169
8 $2.698.204.169 $29.569.619 $2.727.773.788 $227.773.788
9 $2.727.773.788 $29.893.673 $2.757.667.461 $257.667.461
10 $2.757.667.461 $30.221.278 $2.787.888.739 $287.888.739
11 $2.787.888.739 $30.552.473 $2.818.441.212 $318.441.212
12 $2.818.441.212 $30.887.297 $2.849.328.509 $349.328.509
13 $2.849.328.509 $31.225.791 $2.880.554.300 $380.554.300
14 $2.880.554.300 $31.567.995 $2.912.122.295 $412.122.295
15 $2.912.122.295 $31.913.948 $2.944.036.243 $444.036.243
16 $2.944.036.243 $32.263.693 $2.976.299.936 $476.299.936
17 $2.976.299.936 $32.617.271 $3.008.917.207 $508.917.207
18 $3.008.917.207 $32.974.724 $3.041.891.931 $541.891.931
19 $3.041.891.931 $3.336.094 $3.075.228.024 $575.228.024
20 $3.075.228.024 $33.701.424 $3.108.929.448 $608.929.448
21 $3.108.929.448 $34.070.758 $3.143.000.206 $643.000.206
22 $3.143.000.206 $34.444.139 $3.177.444.345 $677.444.345
23 $3.177.444.345 $34.821.613 $3.212.265.958 $712.265.958
24 $3.212.265.958 $35.203.223 $3.247.469.180 $747.469.180
25 $3.247.469.180 $35.589.015 $3.283.058.195 $783.058.195
26 $3.283.058.195 $35.979.035 $3.319.037.230 $819.037.230
27 $3.319.037.230 $36.373.329 $3.355.410.559 $855.410.559
28 $3.355.410.559 $36.771.944 $3.392.182.503 $892.182.503
29 $3.392.182.503 $37.174.928 $3.429.357.431 $929.357.431
30 $3.429.357.431 $37.582.328 $3.466.939.759 $966.939.759
 31 $3.466.939.759 $37.994.193 $3.504.933.952 $1.004.933.952
32 $3.504.933.952 $38.410.571 $3.543.344.523 $1.043.344.523
33 $3.543.344.523 $38.831.513 $3.582.176.036 $1.082.176.036
34 $3.582.176.036 $39.257.067 $3.621.433.103 $1.121.433.103
35 $3.621.433.103 $39.687.285 $3.661.120.389 $1.161.120.389
36 $3.661.120.389 $40.122.218 $3.701.242.607 $1.201.242.607

El valor de la tasa de inters compuesto mensual del 1,0959% que debe pagar la compaa
ENRECOL S.A.S a la entidad C al trmino de los 36 meses es de $ 3.701.242.607.

G. Aplicando la tasa de inters simple mensual del 1,159% de un crdito de $ 2.500.000.000 a

48 meses que le presta la entidad D, cual es el valor de los intereses que debe pagar la compaa
ENRECOL S.A.S al trmino de los 48 meses?

I = P*i*n

P= $2.500.000.000

I=1,159%

n=48

I =$2.500.000.000 *0.01159*48

I = $1.390.800.000

PERIODO INTERES INTERES

CAPITAL INICIAL CAPITAL FINAL
(n) GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $28.975.000 $2.528.975.000 $28.975.000
2 $2.528.975.000 $28.975.000 $2.557.950.000 $57.950.000
3 $2.557.950.000 $28.975.000 $2.586.925.000 $86.925.000
4 $2.586.925.000 $28.975.000 $2.615.900.000 $115.900.000
5 $2.615.900.000 $28.975.000 $2.644.875.000 $144.875.000
6 $2.644.875.000 $28.975.000 $2.673.850.000 $173.850.000
7 $2.673.850.000 $28.975.000 $2.702.825.000 $202.825.000
8 $2.702.825.000 $28.975.000 $2.731.800.000 $231.800.000
9 $2.731.800.000 $28.975.000 $2.760.775.000 $260.775.000
10 $2.760.775.000 $28.975.000 $2.789.750.000 $289.750.000
11 $2.789.750.000 $28.975.000 $2.818.725.000 $318.725.000
12 $2.818.725.000 $28.975.000 $2.847.700.000 $347.700.000
13 $2.847.700.000 $28.975.000 $2.876.675.000 $376.675.000
14 $2.876.675.000 $28.975.000 $2.905.650.000 $405.650.000
15 $2.905.650.000 $28.975.000 $2.934.625.000 $434.625.000
16 $2.934.625.000 $28.975.000 $2.963.600.000 $ 463.600.000
17 $2.963.600.000 $28.975.000 $2.992.575.000 $ 492.575.000
18 $2.992.575.000 $28.975.000 $3.021.550.000 $521.550.000
19 $3.021.550.000 $28.975.000 $3.050.525.000 $550.525.000
20 $3.050.525.000 $28.975.000 $3.079.500.000 $579.500.000
21 $3.079.500.000 $28.975.000 $3.108.475.000 $608.475.000
22 $3.108.475.000 $28.975.000 $3.137.450.000 $637.450.000
23 $3.137.450.000 $28.975.000 $3.166.425.000 $666.425.000
24 $3.166.425.000 $28.975.000 $3.195.400.000 $695.400.000
25 $3.195.400.000 $28.975.000 $3.224.375.000 $724.375.000
26 $3.224.375.000 $28.975.000 $3.253.350.000 $753.350.000
27 $3.253.350.000 $28.975.000 $3.282.325.000 $782.325.000
28 $3.282.325.000 $28.975.000 $3.311.300.000 $811.300.000
29 $3.311.300.000 $28.975.000 $3.340.275.000 $840.275.000
30 $3.340.275.000 $28.975.000 $3.369.250.000 $869.250.000
31 $3.369.250.000 $28.975.000 $3.398.225.000 $898.225.000
32 $3.398.225.000 $28.975.000 $3.427.200.000 $927.200.000
33 $3.427.200.000 $28.975.000 $3.456.175.000 $956.175.000
34 $3.456.175.000 $28.975.000 $3.485.150.000 $985.150.000
35 $3.485.150.000 $28.975.000 $3.514.125.000 $1.014.125.000
36 $3.514.125.000 $28.975.000 $3.543.100.000 $1.043.100.000
37 $3.543.100.000 $28.975.000 $3.572.075.000 $1.072.075.000
38 $ 3.572.075.000 $28.975.000 $3.601.050.000 $1.101.050.000
39 $ 3.601.050.000 $28.975.000 $3.630.025.000 $1.130.025.000
40 $3.630.025.000 $28.975.000 $3.659.000.000 $1.159.000.000
41 $3.659.000.000 $28.975.000 $3.687.975.000 $1.187.975.000
42 $3.687.975.000 $28.975.000 $3.716.950.000 $1.216.950.000
43 $3.716.950.000 $28.975.000 $3.745.925.000 $1.245.925.000
44 $3.745.925.000 $28.975.000 $3.774.900.000 $1.274.900.000
45 $3.774.900.000 $28.975.000 $3.803.875.000 $1.303.875.000
46 $3.803.875.000 $28.975.000 $3.832.850.000 $1.332.850.000
47 $3.832.850.000 $28.975.000 $3.861.825.000 $1.361.825.000
48 $3.861.825.000 $28.975.000 $3.890.800.000 $ 1.390.800.000
El valor de la tasa de inters simple mensual del 1,159% que debe pagar la compaa ENRECOL
S.A.S a la entidad D al trmino de los 48 meses es de $ 1.390.800.000.

H. Aplicando la tasa de inters compuesto mensual del 1,159% de un crdito de $

2.500.000.000 a 48 meses que le presta la entidad D, cual es el valor de los intereses que debe
pagar la compaa ENRECOL S.A.S al trmino de los 48 meses?

= (1 + )

P= $2.500.000.000

i=1,159%

n=48 meses

= $2.500.000.000(1 + 1,159%)48

= $2.500.000.000(1 + 0,01159%)48

= $2.500.000.000(1,01159)48

= $4.346.676.598,41

PERIODO INTERES INTERES

CAPITAL INICIAL CAPITAL FINAL
(n) GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $28.975.000 $2.528.975.000 $28.975.000
2 $2.528.975.000 $29.310.820 $2.558.285.820 $58.285.820
3 $2.558.285.820 $29.650.533 $2.587.936.353 $87.936.353
4 $2.587.936.353 $29.994.182 $2.617.930.535 $117.930.535
5 $2.617.930.535 $30.341.815 $2.648.272.350 $148.272.350
6 $2.648.272.350 $30.693.477 $2.678.965.827 $178.965.827
7 $2.678.965.827 $31.049.214 $2.710.015.041 $210.015.041
8 $2.710.015.041 $31.409.074 $2.741.424.115 $241.424.115
9 $2.741.424.115 $31.773.105 $2.773.197.220 $273.197.220
10 $2.773.197.220 $32.141.356 $2.805.338.576 $305.338.576
11 $2.805.338.576 $32.513.874 $2.837.852.450 $337.852.450
12 $2.837.852.450 $32.890.710 $2.870.743.160 $370.743.160
13 $2.870.743.160 $33.271.913 $2.904.015.073 $404.015.073
14 $2.904.015.073 $33.657.535 $2.937.672.608 $437.672.608
15 $2.937.672.608 $34.047.626 $2.971.720.234 $471.720.234
16 $2.971.720.234 $34.442.238 $3.006.162.471 $506.162.471
17 $3.006.162.471 $34.841.423 $3.041.003.894 $541.003.894
 18 $3.041.003.894 $35.245.235 $3.076.249.129 $576.249.129
19 $3.076.249.129 $35.653.727 $3.111.902.857 $611.902.857
20 $3.111.902.857 $36.066.954 $3.147.969.811 $647.969.811
21 $3.147.969.811 $36.484.970 $3.184.454.781 $684.454.781
22 $3.184.454.781 $36.907.831 $3.221.362.612 $721.362.612
23 $3.221.362.612 $37.335.593 $3.258.698.205 $758.698.205
24 $3.258.698.205 $37.768.312 $3.296.466.517 $796.466.517
25 $3.296.466.517 $38.206.047 $3.334.672.564 $834.672.564
26 $3.334.672.564 $38.648.855 $3.373.321.419 $873.321.419
27 $3.373.321.419 $39.096.795 $3.412.418.214 $912.418.214
28 $3.412.418.214 $39.549.927 $3.451.968.141 $951.968.141
29 $3.451.968.141 $40.008.311 $3.491.976.452 $991.976.452
30 $3.491.976.452 $40.472.007 $3.532.448.459 $1.032.448.459
31 $3.532.448.459 $40.941.078 $3.573.389.536 $1.073.389.536
32 $3.573.389.536 $41.415.585 $3.614.805.121 $1.114.805.121
33 $3.614.805.121 $41.895.591 $3.656.700.713 $1.156.700.713
34 $3.656.700.713 $42.381.161 $3.699.081.874 $1.199.081.874
35 $3.699.081.874 $42.872.359 $3.741.954.233 $1.241.954.233
36 $3.741.954.233 $43.369.250 $3.785.323.482 $1.285.323.482
37 $3.785.323.482 $43.871.899 $3.829.195.381 $1.329.195.381
38 $3.829.195.381 $44.380.374 $3.873.575.756 $1.373.575.756
39 $3.873.575.756 $44.894.743 $3.918.470.499 $1.418.470.499
40 $3.918.470.499 $45.415.073 $3.963.885.572 $1.463.885.572
41 $3.963.885.572 $45.941.434 $4.009.827.006 $1.509.827.006
42 $4.009.827.006 $46.473.895 $4.056.300.901 $1.556.300.901
43 $4.056.300.901 $47.012.527 $4.103.313.428 $1.603.313.428
44 $4.103.313.428 $47.557.403 $4.150.870.831 $1.650.870.831
45 $4.150.870.831 $48.108.593 $4.198.979.424 $1.698.979.424
46 $4.198.979.424 $48.666.172 $4.247.645.595 $1.747.645.595
47 $4.247.645.595 $49.230.212 $4.296.875.808 $1.796.875.808
48 $4.296.875.808 $49.800.791 $4.346.676.598 $1.846.676.598

El valor de la tasa de inters compuesto mensual del 1,159% que debe pagar la compaa
ENRECOL S.A.S a la entidad D al trmino de los 48 meses es de $ 4.346.676.598.

I. Aplicando la tasa de inters simple mensual del 1,25% de un crdito de $ 2.500.000.000 a 60

meses que le presta la entidad E, cual es el valor de los intereses que debe pagar la compaa
ENRECOL S.A.S al trmino de los 60 meses?
I = P*i*n

P= $2.500.000.000

I=1,25%

n=60

I =$2.500.000.000 *0.0125*60

I = $1.875.000.000

PERIODO INTERES INTERES

CAPITAL INICIAL CAPITAL FINAL
(n) GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $31.250.000 $2.531.250.000 $31.250.000
2 $2.531.250.000 $31.250.000 $2.562.500.000 $62.500.000
3 $2.562.500.000 $31.250.000 $2.593.750.000 $93.750.000
4 $2.593.750.000 $31.250.000 $2.625.000.000 $125.000.000
5 $2.625.000.000 $31.250.000 $2.656.250.000 $156.250.000
6 $2.656.250.000 $31.250.000 $2.687.500.000 $187.500.000
7 $2.687.500.000 $31.250.000 $2.718.750.000 $218.750.000
8 $2.718.750.000 $31.250.000 $2.750.000.000 $250.000.000
9 $2.750.000.000 $31.250.000 $2.781.250.000 $281.250.000
10 $2.781.250.000 $31.250.000 $2.812.500.000 $312.500.000
11 $2.812.500.000 $31.250.000 $2.843.750.000 $343.750.000
12 $2.843.750.000 $31.250.000 $2.875.000.000 $375.000.000
13 $2.875.000.000 $31.250.000 $2.906.250.000 $406.250.000
14 $2.906.250.000 $31.250.000 $2.937.500.000 $437.500.000
15 $2.937.500.000 $31.250.000 $2.968.750.000 $468.750.000
16 $2.968.750.000 $31.250.000 $3.000.000.000 $500.000.000
17 $3.000.000.000 $31.250.000 $3.031.250.000 $531.250.000
18 $3.031.250.000 $31.250.000 $3.062.500.000 $562.500.000
19 $3.062.500.000 $31.250.000 $3.093.750.000 $93.750.000
20 $3.093.750.000 $31.250.000 $3.125.000.000 $625.000.000
21 $3.125.000.000 $31.250.000 $3.156.250.000 $656.250.000
22 $3.156.250.000 $31.250.000 $3.187.500.000 $687.500.000
23 $3.187.500.000 $31.250.000 $3.218.750.000 $718.750.000
24 $3.218.750.000 $31.250.000 $3.250.000.000 $750.000.000
25 $3.250.000.000 $31.250.000 $3.281.250.000 $781.250.000
26 $3.281.250.000 $31.250.000 $3.312.500.000 $812.500.000
27 $3.312.500.000 $31.250.000 $3.343.750.000 $843.750.000
28 $3.343.750.000 $31.250.000 $3.375.000.000 $875.000.000
 29 $3.375.000.000 $31.250.000 $3.406.250.000 $906.250.000
30 $3.406.250.000 $31.250.000 $3.437.500.000 $937.500.000
31 $3.437.500.000 $31.250.000 $3.468.750.000 $968.750.000
32 $3.468.750.000 $31.250.000 $3.500.000.000 $1.000.000.000
33 $3.500.000.000 $31.250.000 $3.531.250.000 $1.031.250.000
34 $3.531.250.000 $31.250.000 $3.562.500.000 $1.062.500.000
35 $3.562.500.000 $31.250.000 $3.593.750.000 $1.093.750.000
36 $3.593.750.000 $31.250.000 $3.625.000.000 $1.125.000.000
37 $3.625.000.000 $31.250.000 $3.656.250.000 $1.156.250.000
38 $3.656.250.000 $31.250.000 $3.687.500.000 $1.187.500.000
39 $3.687.500.000 $31.250.000 $3.718.750.000 $1.218.750.000
40 $3.718.750.000 $31.250.000 $3.750.000.000 $1.250.000.000
41 $3.750.000.000 $31.250.000 $3.781.250.000 $1.281.250.000
42 $3.781.250.000 $31.250.000 $3.812.500.000 $1.312.500.000
43 $3.812.500.000 $31.250.000 $3.843.750.000 $1.343.750.000
44 $3.843.750.000 $31.250.000 $3.875.000.000 $1.375.000.000
45 $3.875.000.000 $31.250.000 $3.906.250.000 $1.406.250.000
46 $3.906.250.000 $31.250.000 $3.937.500.000 $1.437.500.000
47 $3.937.500.000 $ 31.250.000 3.968.750.000 $ 1.468.750.000
48 $3.968.750.000 $31.250.000 $4.000.000.000 $ 1.500.000.000
49 $4.000.000.000 $31.250.000 $4.031.250.000 $1.531.250.000
50 $4.031.250.000 $31.250.000 $4.062.500.000 $ 1.562.500.000
51 $4.062.500.000 $31.250.000 $4.093.750.000 $ 1.593.750.000
52 $4.093.750.000 $31.250.000 $4.125.000.000 $ 1.625.000.000
53 $4.125.000.000 $31.250.000 $4.156.250.000 $ 1.656.250.000
54 $4.156.250.000 $31.250.000 $4.187.500.000 $ 1.687.500.000
55 $4.187.500.000 $31.250.000 $4.218.750.000 $ 1.718.750.000
56 $4.218.750.000 $31.250.000 $4.250.000.000 $ 1.750.000.000
57 $4.250.000.000 $31.250.000 $4.281.250.000 $ 1.781.250.000
58 $4.281.250.000 $31.250.000 $4.312.500.000 $ 1.812.500.000
59 $4.312.500.000 $31.250.000 $4.343.750.000 $ 1.843.750.000

60 $4.343.750.000 $31.250.000 $4.375.000.000 $ 1.875.000.000

El valor de la tasa de inters simple mensual del 1,25% que debe pagar la compaa ENRECOL
S.A.S a la entidad E al trmino de los 60 meses es de $ 1.875.000.000

J. Aplicando la tasa de inters compuesto mensual del 1,25% de un crdito de $ 2.500.000.000

a 60 meses que le presta la entidad E, cual es el valor de los intereses que debe pagar la
compaa ENRECOL S.A.S al trmino de los 60 meses?
 = (1 + )

P= $2.500.000.000

i=1,25%

n=60 meses

= $2.500.000.000(1 + 1,25%)60

= $2.500.000.000(1 + 0,0125%)60

= $2.500.000.000(1,0125)60

= $5.267.953.367,38

PERIODO CAPITAL INTERES INTERES

CAPITAL FINAL
(n) INICIAL GENERADO ACUMULADO
0 $2.500.000.000 $2.500.000.000
1 $2.500.000.000 $31.250.000 $2.531.250.000 $31.250.000
2 $2.531.250.000 $31.640.625 $2.562.890.625 $62.890.625
3 $2.562.890.625 $32.036.133 $2.594.926.758 $94.926.758
4 $2.594.926.758 $32.436.584 $2.627.363.342 $127.363.342
5 $2.627.363.342 $32.842.042 $2.660.205.384 $160.205.384
6 $2.660.205.384 $33.252.567 $2.693.457.951 $193.457.951
7 $2.693.457.951 $33.668.224 $2.727.126.176 $227.126.176
8 $2.727.126.176 $34.089.077 $2.761.215.253 $261.215.253
9 $2.761.215.253 $34.515.191 $2.795.730.444 $295.730.444
10 $2.795.730.444 $34.946.631 $2.830.677.074 $330.677.074
11 $2830.677.074 $35.383.463 $2.866.060.538 $366.060.538
12 $2.866.060.538 $35.825.757 $2.901.886.294 $401.886.294
13 $2.901.886.294 $36.273.579 $2.938.159.873 $438.159.873
14 $2.938.159.873 $36.726.998 $2.974.886.871 $474.886.871
15 $2.974.886.871 $37.186.086 $3.012.072.957 $512.072.957
16 $3.012.072.957 $37.650.912 $3.049.723.869 $549.723.869
17 $3.049.723.869 $38.121.548 $3.087.845.418 $587.845.418
18 $3.087.845.418 $38.598.068 $3.126.443.485 $626.443.485
19 $3.126.443.485 $39.080.544 $3.165.524.029 $665.524.029
20 $3.165.524.029 $39.569.050 $3.205.093.079 $705.093.079
21 $3.205.093.079 $40.063.663 $3.245.156.743 $745.156.743
22 $3.245.156.743 $40.564.459 $3.285.721.202 $785.721.202
23 $3.285.721.202 $41.071.515 $3.326.792.717 $826.792.717
24 $3.326.792.717 $41.584.909 $3.368.377.626 $868.377.626
25 $3.368.377.626 $42.104.720 $3.410.482.346 $910.482.346
 26 $3.410.482.346 $42.631.029 $3.453.113.376 $953.113.376
27 $3.453.113.376 $43.163.917 $3.496.277.293 $996.277.293
28 $3.496.277.293 $43.703.466 $3.539.980.759 $1.039.980.759
29 $3.539.980.759 $44.249.759 $3.584.230.519 $1.084.230.519
30 $3.584.230.519 $44.802.881 $3.629.033.400 $1.129.033.400
31 $3.629.033.400 $45.362.918 $3.674.396.318 $1.174.396.318
32 $3.674.396.318 $45.929.954 $3.720.326.271 $1.220.326.271
33 $3.720.326.271 $46.504.078 $3.766.830.350 $1.266.830.350
34 $3.766.830.350 $47.085.379 $3.813.915.729 $1.313.915.729
35 $3.813.915.729 $47.673.947 $3.861.589.676 $1.361.589.676
36 $3.861.589.676 $48.269.871 $3.909.859.547 $1.409.859.547
37 $3.909.859.547 $48.873.244 $3.958.732.791 $1.458.732.791
38 $3.958.732.791 $49.484.160 $4.008.216.951 $1.508.216.951
39 $4.008.216.951 $50.102.712 $4.058.319.663 $1.558.319.663
40 $4.058.319.663 $50.728.996 $4.109.048.659 $1.609.048.659
41 $4.109.048.659 $51.363.108 $4.160.411.767 $1.660.411.767
42 $4.160.411.767 $52.005.147 $4.212.416.914 $1.712.416.914
43 $4.212.416.914 $52.655.211 $4.265.072.125 $1.765.072.125
44 $4.265.072.125 $53.313.402 $4.318.385.527 $1.818.385.527
45 $4.318.385.527 $53.979.819 $4.372.365.346 $1.872.365.346
46 $4.372.365.346 $54.654.567 $4.427.019.913 $1.927.019.913
47 $4.427.019.913 $55.337.749 $4.482.357.662 $1.982.357.662
48 $4.482.357.662 $56.029.471 $4.538.387.133 $2.038.387.133
49 $4.538.387.133 $56.729.839 $4.595.116.972 $2.095.116.972
50 $4.595.116.972 $57.438.962 $4.652.555.934 $2.152.555.934
51 $4.652.555.934 $58.156.949 $4.710.712.883 $2.210.712.883
52 $4.710.712.883 $58.883.911 $4.769.596.794 $2.269.596.794
53 $4.769.596.794 $59.619.960 $4.829.216.754 $2.329.216.754
54 $4.829.216.754 $60.365.209 $4.889.581.964 $2.389.581.964
55 $4.889.581.964 $61.119.775 $4.950.701.738 $2.450.701.738
56 $4.950.701.738 $61.883.772 $5.012.585.510 $2.512.585.510
57 $5.012.585.510 $62.657.319 $5.075.242.829 $2.575.242.829
58 $5.075.242.829 $63.440.535 $5.138.683.364 $2.638.683.364
59 $5.138.683.364 $64.233.542 $5.202.916.906 $2.702.916.906
60 $5.202.916.906 $65.036.461 $5.267.953.367 $2.767.953.367

El valor de la tasa de inters compuesto mensual del 1,25% que debe pagar la compaa
ENRECOL S.A.S a la entidad E al trmino de los 60 meses es de $ 5.267.953.367.