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# Calcule el valor de la cuota mensual necesaria para amortizar una deuda de \$ 90,000.

00 en 18
años, considerando una tasa de interés del 12% anual, con capitalización efectiva.

## VA C\$90,000.00 N periodos saldo inicial cutas intereses

n 18 1 C\$90,000.00 C\$12,414.36 C\$10,800.00
i 12% 2 C\$10,800.00 C\$12,414.36 C\$1,296.00
A C\$12,414.36 3 C\$10,800.00 C\$12,414.36 C\$1,296.00
4 C\$10,800.00 C\$12,414.36 C\$1,296.00
5 C\$10,800.00 C\$12,414.36 C\$1,296.00
6 C\$10,800.00 C\$12,414.36 C\$1,296.00
7 C\$10,800.00 C\$12,414.36 C\$1,296.00
8 C\$10,800.00 C\$12,414.36 C\$1,296.00
9 C\$10,800.00 C\$12,414.36 C\$1,296.00
10 C\$10,800.00 C\$12,414.36 C\$1,296.00
11 C\$10,800.00 C\$12,414.36 C\$1,296.00
12 C\$10,800.00 C\$12,414.36 C\$1,296.00
13 C\$10,800.00 C\$12,414.36 C\$1,296.00
14 C\$10,800.00 C\$12,414.36 C\$1,296.00
15 C\$10,800.00 C\$12,414.36 C\$1,296.00
16 C\$10,800.00 C\$12,414.36 C\$1,296.00
17 C\$10,800.00 C\$12,414.36 C\$1,296.00
18 C\$10,800.00 C\$12,414.36 C\$1,296.00
capital saldo final
C\$79,200.00 C\$10,800.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
C\$9,504.00 C\$1,296.00
Una empresa obtiene un preé stamo de 40,000.00 amortizable en pagos semestrales iguales
durante 5 anñ os, con una tasa de intereé s del 9% anual capitalizable semestralmente. Calcule la
cuota mensual y elabore la tabla de amortizacioé n.

Datos
Va C\$ 40,000.00 N periodos saldo inicial cutas
n 5 años 1 C\$ 40,000.00 C\$5,055.15
j 9% CS 2 C\$ 36,744.85 C\$5,055.15
m 2 3 C\$ 33,343.21 C\$5,055.15
i 0.045 4 C\$ 29,788.50 C\$5,055.15
N 10 5 C\$ 26,073.83 C\$5,055.15
Vc C\$5,055.15 6 C\$ 22,192.00 C\$5,055.15
7 C\$ 18,135.49 C\$5,055.15
8 C\$ 13,896.44 C\$5,055.15
9 C\$ 9,466.62 C\$5,055.15
10 C\$ 4,837.47 C\$5,055.15
intereses capital saldo final
C\$ 1,800.00 C\$3,255.15 C\$ 36,744.85
C\$ 1,653.52 C\$3,401.63 C\$ 33,343.21
C\$ 1,500.44 C\$3,554.71 C\$ 29,788.50
C\$ 1,340.48 C\$3,714.67 C\$ 26,073.83
C\$ 1,173.32 C\$3,881.83 C\$ 22,192.00
C\$ 998.64 C\$4,056.51 C\$ 18,135.49
C\$ 816.10 C\$4,239.06 C\$ 13,896.44
C\$ 625.34 C\$4,429.81 C\$ 9,466.62
C\$ 426.00 C\$4,629.15 C\$ 4,837.47
C\$ 217.69 C\$4,837.47 C\$ -
Calcule el valor de la cuota trimestral necesaria para amortizar una deuda de \$
17,000.00 en 8 años, considerando una tasa de interés del 15% anual capitalizable
trimestralmente.

va 17,000
n 8 años
j 15% ct n periodos saldo inicial cuotas interes capital
m 4 1 17,000 C\$921.08 637.5 C\$283.58
i 0.0375 2 C\$16,716.42 C\$921.08 626.865666 C\$294.22
N 32 3 C\$16,422.20 C\$921.08 615.832544 C\$305.25
vc C\$921.08 4 C\$16,116.95 C\$921.08 604.38568 C\$316.70
5 C\$15,800.25 C\$921.08 592.509559 C\$328.57
6 C\$15,471.68 C\$921.08 580.188083 C\$340.89
7 C\$15,130.79 C\$921.08 567.404552 C\$353.68
8 C\$14,777.11 C\$921.08 554.141638 C\$366.94
9 C\$14,410.17 C\$921.08 540.381365 C\$380.70
10 C\$14,029.47 C\$921.08 526.105082 C\$394.98
11 C\$13,634.49 C\$921.08 511.293439 C\$409.79
12 C\$13,224.70 C\$921.08 495.926358 C\$425.16
13 C\$12,799.55 C\$921.08 479.983013 C\$441.10
14 C\$12,358.45 C\$921.08 463.441791 C\$457.64
15 C\$11,900.81 C\$921.08 446.280274 C\$474.80
16 C\$11,426.01 C\$921.08 428.4752 C\$492.61
17 C\$10,933.40 C\$921.08 410.002436 C\$511.08
18 C\$10,422.32 C\$921.08 390.836943 C\$530.25
19 C\$9,892.07 C\$921.08 370.952744 C\$550.13
20 C\$9,341.94 C\$921.08 350.322888 C\$570.76
21 C\$8,771.18 C\$921.08 328.919412 C\$592.16
22 C\$8,179.02 C\$921.08 306.713305 C\$614.37
23 C\$7,564.65 C\$921.08 283.67447 C\$637.41
24 C\$6,927.24 C\$921.08 259.771678 C\$661.31
25 C\$6,265.93 C\$921.08 234.972532 C\$686.11
26 C\$5,579.82 C\$921.08 209.243418 C\$711.84
27 C\$4,867.99 C\$921.08 182.549462 C\$738.53
28 C\$4,129.45 C\$921.08 154.854482 C\$766.23
29 C\$3,363.23 C\$921.08 126.120941 C\$794.96
30 C\$2,568.26 C\$921.08 96.3098922 C\$824.77
31 C\$1,743.49 C\$921.08 65.3809288 C\$855.70
32 C\$887.79 C\$921.08 33.2921294 C\$887.79
saldo final
C\$16,716.42
C\$16,422.20
C\$16,116.95
C\$15,800.25
C\$15,471.68
C\$15,130.79
C\$14,777.11
C\$14,410.17
C\$14,029.47
C\$13,634.49
C\$13,224.70
C\$12,799.55
C\$12,358.45
C\$11,900.81
C\$11,426.01
C\$10,933.40
C\$10,422.32
C\$9,892.07
C\$9,341.94
C\$8,771.18
C\$8,179.02
C\$7,564.65
C\$6,927.24
C\$6,265.93
C\$5,579.82
C\$4,867.99
C\$4,129.45
C\$3,363.23
C\$2,568.26
C\$1,743.49
C\$887.79
-C\$0.00
Adriana aporta \$60,000 durante 45 años, para su jubilación en una institución financiera que reconoce una tasa de
interés del 3,6% anual capitalizable mensualmente. Calcular el valor del retiro mensual por jubilación, que tendría

VF C\$60,000.00
J 3.60%
n 45
m 12
i 0.003
N 540
A C\$44.55
que reconoce una tasa de
or jubilación, que tendría
Calcule el valor del deposito trimestral necesario para
acumular \$ 20,000.00 en 4 años, considerando una tasa de
interés del 6% anual capitalizable trimestralmente.

vf 200,000.00
n 4
j 6%
m 4
i 2%
Una empresa obtiene un préstamo de \$30,000.00 a 3 años plazo, con una tasa de interes del 9% anual,
capitalizable mensualmente. Calcule la cuota y construya la tabla de Amortización

Solucion
VA 30000
n 3 años
j 9% CM Tabla de amortizacion
m 12 n periodos saldo inicial cuotas interes
i 0.0075 1 30000 C\$953.99 225
N 36 2 C\$29,271.01 C\$953.99 219.53256
C\$953.99 3 C\$28,536.55 C\$953.99 214.024115
4 C\$27,796.58 C\$953.99 208.474356
5 C\$27,051.06 C\$953.99 202.882973
6 C\$26,299.95 C\$953.99 197.249656
7 C\$25,543.21 C\$953.99 191.574088
8 C\$24,780.79 C\$953.99 185.855954
9 C\$24,012.66 C\$953.99 180.094934
10 C\$23,238.76 C\$953.99 174.290706
11 C\$22,459.06 C\$953.99 168.442947
12 C\$21,673.51 C\$953.99 162.551329
13 C\$20,882.07 C\$953.99 156.615524
14 C\$20,084.69 C\$953.99 150.635201
15 C\$19,281.34 C\$953.99 144.610025
16 C\$18,471.95 C\$953.99 138.53966
17 C\$17,656.50 C\$953.99 132.423768
18 C\$16,834.93 C\$953.99 126.262006
19 C\$16,007.20 C\$953.99 120.054031
20 C\$15,173.27 C\$953.99 113.799497
21 C\$14,333.07 C\$953.99 107.498053
22 C\$13,486.58 C\$953.99 101.149349
23 C\$12,633.74 C\$953.99 94.7530288
24 C\$11,774.50 C\$953.99 88.3087367
25 C\$10,908.81 C\$953.99 81.8161123
26 C\$10,036.64 C\$953.99 75.2747933
27 C\$9,157.92 C\$953.99 68.6844144
28 C\$8,272.61 C\$953.99 62.0446077
29 C\$7,380.67 C\$953.99 55.3550024
30 C\$6,482.03 C\$953.99 48.6152251
31 C\$5,576.65 C\$953.99 41.8248994
32 C\$4,664.49 C\$953.99 34.9836463
33 C\$3,745.48 C\$953.99 28.0910838
34 C\$2,819.58 C\$953.99 21.1468271
35 C\$1,886.73 C\$953.99 14.1504885
36 C\$946.89 C\$953.99 7.10167727
capital saldo final
C\$728.99 C\$29,271.01
C\$734.46 C\$28,536.55
C\$739.97 C\$27,796.58
C\$745.52 C\$27,051.06
C\$751.11 C\$26,299.95
C\$756.74 C\$25,543.21
C\$762.42 C\$24,780.79
C\$768.14 C\$24,012.66
C\$773.90 C\$23,238.76
C\$779.70 C\$22,459.06
C\$785.55 C\$21,673.51
C\$791.44 C\$20,882.07
C\$797.38 C\$20,084.69
C\$803.36 C\$19,281.34
C\$809.38 C\$18,471.95
C\$815.45 C\$17,656.50
C\$821.57 C\$16,834.93
C\$827.73 C\$16,007.20
C\$833.94 C\$15,173.27
C\$840.19 C\$14,333.07
C\$846.49 C\$13,486.58
C\$852.84 C\$12,633.74
C\$859.24 C\$11,774.50
C\$865.68 C\$10,908.81
C\$872.18 C\$10,036.64
C\$878.72 C\$9,157.92
C\$885.31 C\$8,272.61
C\$891.95 C\$7,380.67
C\$898.64 C\$6,482.03
C\$905.38 C\$5,576.65
C\$912.17 C\$4,664.49
C\$919.01 C\$3,745.48
C\$925.90 C\$2,819.58
C\$932.85 C\$1,886.73
C\$939.84 C\$946.89
C\$946.89 -C\$0.00