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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
derecho Adriana durante 20 años.

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