TALLER TABLAS DE AMORTIZACIÓN Y SERIES UNIFORMES

Presentado Por:
Katherine Duarte Ramírez
ID 603540
Julieth Andrea Junca Abril
ID 600965
Luis Humberto Muñoz Cruz
ID 610928

Tutor:
Hilda Janneth Espitia Sanchez

Corporación Universitaria Minuto De Dios - Uniminuto Uvd

Facultad de Ciencias Empresariales
Administración De Empresas
Matematica Financiera
Bogotá D.C.
2019
 Digite la información Conversion de Tasas
Valor del Crédito $ 52,320,000 EMV 3.00%
Tasa (Meses) 0.03
Tiempo (Meses) 6

Cuota Cuota a Pagar Interés Amortización de Capital Saldo de la deuda

0 $ 52,320,000
1 $ 9,658,141 $1,569,600 $ 8,088,541 $ 44,231,459
2 $ 9,658,141 $1,326,944 $ 8,331,197 $ 35,900,261
3 $ 9,658,141 $1,077,008 $ 8,581,133 $ 27,319,128
4 $ 9,658,141 $ 819,574 $ 8,838,567 $ 18,480,560
5 $ 9,658,141 $ 554,417 $ 9,103,724 $ 9,376,836
6 $ 9,658,141 $ 281,305 $ 9,376,836 $ (0)

DESEMBOLSO DEL CREDITO

111005 bancos 52,320,000
210510 pagarés 52,320,000
PAGO 1 CUOTA
210510 pagarés $8,088,541
530520 interés $1,569,600
111005 bancos $ 9,658,141
C= VA * i
1-(1+i)-n

C= 52320000 * 0.03
1 - (1+0,03) -6

C= $ 1,569,600
0.162515743

C= $ 9,658,141
 Digite la información Conversion de Tasas
Valor del Crédito $ 150,340,800 Nominal Trimestral Vencida 36.00%
Tasa (Trimestral) 0.0183 ETV 1.83%
Tiempo (Trimestral) 20

Cuota Cuota a Pagar Interés Amortización de Capital Saldo de la deuda

0 $ 150,340,800
1 $ 9,044,204 $2,751,237 $ 6,292,967 $ 144,047,833
2 $ 9,044,204 $2,636,075 $ 6,408,128 $ 137,639,704
3 $ 9,044,204 $2,518,807 $ 6,525,397 $ 131,114,307
4 $ 9,044,204 $2,399,392 $ 6,644,812 $ 124,469,495
5 $ 9,044,204 $2,277,792 $ 6,766,412 $ 117,703,083
6 $ 9,044,204 $2,153,966 $ 6,890,237 $ 110,812,846
7 $ 9,044,204 $2,027,875 $ 7,016,329 $ 103,796,517
8 $ 9,044,204 $1,899,476 $ 7,144,728 $ 96,651,790
9 $ 9,044,204 $1,768,728 $ 7,275,476 $ 89,376,314
10 $ 9,044,204 $1,635,587 $ 7,408,617 $ 81,967,696
11 $ 9,044,204 $1,500,009 $ 7,544,195 $ 74,423,502
12 $ 9,044,204 $1,361,950 $ 7,682,254 $ 66,741,248
13 $ 9,044,204 $1,221,365 $ 7,822,839 $ 58,918,409
14 $ 9,044,204 $1,078,207 $ 7,965,997 $ 50,952,412
15 $ 9,044,204 $ 932,429 $ 8,111,775 $ 42,840,637
16 $ 9,044,204 $ 783,984 $ 8,260,220 $ 34,580,417
17 $ 9,044,204 $ 632,822 $ 8,411,382 $ 26,169,035
18 $ 9,044,204 $ 478,893 $ 8,565,310 $ 17,603,725
19 $ 9,044,204 $ 322,148 $ 8,722,056 $ 8,881,669
20 $ 9,044,204 $ 162,535 $ 8,881,669 $ (0)
C= VA * i
1-(1+i)-n

C= 150340800 * 0.0183
1 - (1+0,0183) -20

C= $ 2,751,237
0.304198878

C= $ 9,044,204
 25% E.A.V = E.B.V

(1+i)^n = (1+i)^n E.B.V

(1+0,25)^1 = (1+i)^6 E.B.V
(1,25)^(1/6) = 1+i E.B.V
1.0378908156 = 1+i E.B.V
1-1,037890816 = i E.B.V
0.037890816 = i E.B.V

25% E.A.V = 3.79% E.B.V

Valor deuda $ 78,000,000

Tasa 3.79% Cuota= VP * i
Periodos 6 1 - ( 1 + i ) ^ -n
Cuota $ 14,777,862

Periodos Saldo inicial Cuotas Interes Abono a capital

1 $ 78,000,000 $ 14,777,862 $ 2,956,200.00 $ 11,821,661.58
2 $ 66,178,338.42 $ 14,777,862 $ 2,508,159.03 $ 12,269,702.56
3 $ 53,908,635.86 $ 14,777,862 $ 2,043,137.30 $ 12,734,724.28
4 $ 41,173,911.57 $ 14,777,862 $ 1,560,491.25 $ 13,217,370.33
5 $ 27,956,541.24 $ 14,777,862 $ 1,059,552.91 $ 13,718,308.67
6 $ 14,238,232.57 $ 14,777,862 $ 539,629.01 $ 14,238,232.57
 Cuota= $ 78,000,000 * 0.0379 = $ 2,956,200 =
1 - ( 1 + 0,0379 ) ^ -6 0.20004247

Saldo final
$ 66,178,338.42
$ 53,908,635.86
$ 41,173,911.57
$ 27,956,541.24
$ 14,238,232.57
$ -
$ 14,777,862
 2% E.T.V = E.B.V

(1+i)^n = (1+i)^n E.B.V

(1+0,02)^4 = (1+i)^6 E.B.V
(1,02)^4/6 = 1+i E.B.V
1.0132892794 = 1+i E.B.V
0.0132892794 = i E.B.V
2% E.T.V = 1.32% E.B.V

Ahorro -$ 200,000 Bimestral

Tiempo 30 Meses 5 años
Tasa 2% Trimestral
Tasa 1.32% Bimestral
Valor futuro $ 296,404.93
VF= VP(1+i)^n

VF= $200000*( 1 + 0,0132) ^30

VF= 200000 1.482024672

VF= $ 296,405
 6% N.T.A = E.T.V

(1-i/n)^-n = (1+i)^n E.T.V

(1+0,06/4)^-4 = (1+i)^4 E.T.V
(0,985)^(-4/4) = 1+i E.T.V
1.015228426 = 1+i E.T.V
1-1,015228426 = i E.T.V
0.0152284264 = i E.T.V

6% N.T.A = 1.52% E.T.V

Valor deuda $ 50,000,000

Tasa 0.01523
Periodos 12
Cuota ?

Cuota= VP * i Cuota= $ 50,000,000 * 0.01523 =

1 - ( 1 + i ) ^ -n 1 - ( 1 + 0,01523 ) ^ -12

Digite la información Conversion de Tasas

Valor del Cré 50,000,000 NTA 6.00%
Tasa (trimestr 1.52284% ETV 1.52284%
Tiempo (mens 12

Cuota Cuota a Pagar Interés Amortización de CapitalSaldo de la deuda

0 50,000,000
1 4,590,569.81 761,420 3,829,150 46,170,850
2 4,590,569.81 703,108 3,887,462 42,283,389
3 4,590,569.81 643,908 3,946,661 38,336,727
4 4,590,569.81 583,807 4,006,763 34,329,964
5 4,590,569.81 522,790 4,067,779 30,262,185
6 4,590,569.81 460,845 4,129,725 26,132,460
7 4,590,569.81 397,956 4,192,614 21,939,846
8 4,590,569.81 334,109 4,256,461 17,683,384
9 4,590,569.81 269,290 4,321,280 13,362,104
10 4,590,569.81 203,483 4,387,086 8,975,018
11 4,590,569.81 136,675 4,453,895 4,521,123
12 4,590,569.81 68,849 4,521,720 - 597
 $ 761,500 = $ 4,590,569.81
0.16588355
 33% N.S.A = N.M.A

(1-i/n)^-n = (1-i/n)^-n N.M.A

(1+0,33/2)^-2 = (1-i/12)^-12 N.M.A
(0,835)^(-2/-12) = (1-i/12) N.M.A
0.970393203 = (1-i/12) N.M.A
1-0,970393203 = (-i/12) N.M.A
0,02960679698*12 = i N.M.A
0.3552815638 = i

33% N.S.A = 35, 528156% N.M.A

Valor present $ 3,000,000

Tasa 0.35530
Periodos ?
Valor Futuro $ 90,897,900

n= log VF/ VP = log 9089790 = Log 30, 2993 = 1.481432595

log (1+i) log (1+0,3553) Log 1,3553 0, 13203543383

Digite la información Conversion de Tasas

Valor de la In 3,000,000 NSA 33%
Tasa (mensua 35.52810% NMA 35.5281%
Tiempo (mens 11
= 11