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Un lote de terreno que cuesta $20.000.

000 se propone comprar con una cuota inicial de 10%


y 12 cuotas mensuales con una tasa de interes del 2% mensual.
Calcular el valor de las cuotas.

a) Calcular A con formula


b) Calcular A con Función de Excel PAGO

$ 20,000,000.00
1 2 3 4 5
0
A A A A A
$ 2,000,000.00

Ecuación de Valor
VP= A/(1+0,02)^- A/(1+0,02)^2 A/(1+0,02)^3 A/(1+0,02)^4 A/(1+0,02)^5
0.9803921569
$ 18,000,000.00 =A*( 10.575341221 )
A= $1,702,072.74

Formula
A 𝑣𝑝
= �(1+�)𝑛/((1+�)𝑛 −1)

A = $ 1,702,072.74

Un empleado deposita en una entidad bancaria al final de cada mes $250.000


Al los tres años tiene un saldo disponible de $13.500.000
¿Qué tasa nominal capitalizable mensualmente ha ganado?

VP
1 2 3 4 5
0
$250,000.00 $250,000.00 $250,000.00 $250,000.00 $250,000.00
Lote $ 20,000,000.00
vp $ 18,000,000.00
Cuota Inicial $ 2,000,000.00
A ?
i 0.02 mensual
n 12
(1+i)^n 1.2682417946

6 7 8 9 10 11

A A A A A A

A/(1+0,02)^6 A/(1+0,02)^7 A/(1+0,02)^8 A/(1+0,02)^9 A/(1+0,02)^10 A/(1+0,02)^11

Función PAGO(J5;J6;J2;0)
A ($ 1,702,072.74)

$13,500,000.00

6 36 meses

$250,000.00
Buscar Objetivo Tasa

No Depósito
0
1 $ 250,000.00
2 $ 250,000.00
3 $ 250,000.00
4 $ 250,000.00
5 $ 250,000.00
6 $ 250,000.00
7 $ 250,000.00
8 $ 250,000.00
9 $ 250,000.00
10 $ 250,000.00
11 $ 250,000.00
12 $ 250,000.00
13 $ 250,000.00
14 $ 250,000.00
15 $ 250,000.00
16 $ 250,000.00
17 $ 250,000.00
18 $ 250,000.00
19 $ 250,000.00
20 $ 250,000.00
21 $ 250,000.00
22 $ 250,000.00
23 $ 250,000.00
24 $ 250,000.00
25 $ 250,000.00
26 $ 250,000.00
27 $ 250,000.00
28 $ 250,000.00
29 $ 250,000.00
30 $ 250,000.00
31 $ 250,000.00
32 $ 250,000.00
33 $ 250,000.00
34 $ 250,000.00
35 $ 250,000.00
36 $ 250,000.00
12 meses

A7(1+0,02)^12

$ 20,000,000.00
2.0%

Depósito
Interés + Intereés Saldo
$ 250,000.00
$ 250,000.00
$ 5,000.00 $ 255,000.00 $ 505,000.00
$ 5,000.00 $ 255,000.00 $ 760,000.00
$ 10,100.00 $ 260,100.00 $ 1,020,100.00
$ 15,200.00 $ 265,200.00 $ 1,285,300.00
$ 20,402.00 $ 270,402.00 $ 1,555,702.00
$ 25,706.00 $ 275,706.00 $ 1,831,408.00
$ 31,114.04 $ 281,114.04 $ 2,112,522.04
$ 36,628.16 $ 286,628.16 $ 2,399,150.20
$ 42,250.44 $ 292,250.44 $ 2,691,400.64
$ 47,983.00 $ 297,983.00 $ 2,989,383.64
$ 53,828.01 $ 303,828.01 $ 3,293,211.66
$ 59,787.67 $ 309,787.67 $ 3,602,999.33
$ 65,864.23 $ 315,864.23 $ 3,918,863.56
$ 72,059.99 $ 322,059.99 $ 4,240,923.55
$ 78,377.27 $ 328,377.27 $ 4,569,300.82
$ 84,818.47 $ 334,818.47 $ 4,904,119.29
$ 91,386.02 $ 341,386.02 $ 5,245,505.31
$ 98,082.39 $ 348,082.39 $ 5,593,587.69
$ 104,910.11 $ 354,910.11 $ 5,948,497.80
$ 111,871.75 $ 361,871.75 $ 6,310,369.55
$ 118,969.96 $ 368,969.96 $ 6,679,339.51
$ 126,207.39 $ 376,207.39 $ 7,055,546.90
$ 133,586.79 $ 383,586.79 $ 7,439,133.69
$ 141,110.94 $ 391,110.94 $ 7,830,244.63
$ 148,782.67 $ 398,782.67 $ 8,229,027.30
$ 156,604.89 $ 406,604.89 $ 8,635,632.20
$ 164,580.55 $ 414,580.55 $ 9,050,212.74
$ 172,712.64 $ 422,712.64 $ 9,472,925.39
$ 181,004.25 $ 431,004.25 $ 9,903,929.64
$ 189,458.51 $ 439,458.51 $ 10,343,388.15
$ 198,078.59 $ 448,078.59 $ 10,791,466.74
$ 206,867.76 $ 456,867.76 $ 11,248,334.51
$ 215,829.33 $ 465,829.33 $ 11,714,163.84
$ 224,966.69 $ 474,966.69 $ 12,189,130.53
$ 234,283.28 $ 484,283.28 $ 12,673,413.81
Juan deposita $120.000 cada fin de mes, durante un año, en una entidad financiera
la entidad paga una tasa del 3% mensual.
¿Cuánto dinero tendrá acumulado al final de este tiempo?

a Calcular con formula


b Calcular con la función Vf
F=?

0 1 2 3 … 12

$120,000 $120,000 $120,000

Ecuación valor

Formula Vf = A ((1+�)𝑛 Función


−1)/�
A $ 120,000
i 0.03 mensual
n 12

Vf ?

Tabla
¿Cuánto se debe depositar al final de cada mes, durante dos años
en una cuenta de ahorros que reconoce una tasa del 2,50% mensual vf
para reunir la suma de $8.500.000 i
n
a Calcular con formula A
b Calcular con la función Pago

8,500,000

0 1 2 3 … 24

A A A A

Ecuación valor Formula


A 32.349038 = $ 8,500,000
$ 262,759 $ 262,759

1 1.76461068
2 1.7215714
3 1.67958185
4 1.63861644
5 1.59865019
6 1.55965872
7 1.52161826
8 1.48450562
9 1.44829817
10 1.41297382
11 1.37851104
12 1.34488882
13 1.31208666
14 1.28008454
15 1.24886297
16 1.2184029
17 1.18868575
18 1.15969342
19 1.13140821
20 1.10381289
21 1.07689063
22 1.050625
23 1.025
24 1
8500000
0.025
24

Función Tabla 100


no deposito interes acumulado saldo
$ 262,758.97 0 0
1 262758.973 0 262758.973 262758.973
2 262758.973 6568.97433 269327.947 532086.92
3 262758.973 13302.173 276061.146 808148.067
4 262758.973 20203.7017 282962.675 1091110.74
5 262758.973 27277.7685 290036.742 1381147.48
6 262758.973 34528.6871 297287.66 1678435.14
7 262758.973 41960.8786 304719.852 1983154.99
8 262758.973 49578.8749 312337.848 2295492.84
9 262758.973 57387.3211 320146.294 2615639.14
10 262758.973 65390.9784 328149.951 2943789.09
11 262758.973 73594.7272 336353.7 3280142.79
12 262758.973 82003.5697 344762.543 3624905.33
13 262758.973 90622.6333 353381.606 3978286.94
14 262758.973 99457.1734 362216.146 4340503.08
15 262758.973 108512.577 371271.55 4711774.63
16 262758.973 117794.366 380553.339 5092327.97
17 262758.973 127308.199 390067.172 5482395.15
18 262758.973 137059.879 399818.852 5882214
19 262758.973 147055.35 409814.323 6292028.32
20 262758.973 157300.708 420059.681 6712088
21 262758.973 167802.2 430561.173 7142649.17
22 262758.973 178566.229 441325.202 7583974.38
23 262758.973 189599.359 452358.332 8036332.71
24 262758.973 200908.318 463667.291 8500000
Una deuda de $20.000.000 se debe cancelar con cuotas mensuales iguales de $620.000 cada una.
si la tasa de interés cobrada es del 36% capitalizable mensualmente.
¿con cuántos pagos se cancela la deuda?

a Calcular con formula


b Calcular con la función NPER
c Construya la tabla de amortización
$20,000,000
0.03
0 1 2 3 n

$620,000.00 $620,000.00 $620,000.00

n= logA-log(A-(Vp*i))
log (1+i)
Formula
116.17 meses

F=
P $20,000,000.00
A $520,000.00
inom 18% tasa efectiva periódic 0.01500
n ?
tasa efectiva anual 0.1956181715

meses

Función Tabla
116.17 No cuota cuota interes
0 0
1 $620,000.00 $600,000.00
2 $620,000.00 $599,400.00
3 $620,000.00 $598,782.00
4 $620,000.00 $598,145.46
5 $620,000.00 $597,489.82
6 $620,000.00 $596,814.52
7 $620,000.00 $596,118.95
8 $620,000.00 $595,402.52
9 $620,000.00 $594,664.60
10 $620,000.00 $593,904.54
11 $620,000.00 $593,121.67
12 $620,000.00 $592,315.32
13 $620,000.00 $591,484.78
14 $620,000.00 $590,629.33
15 $620,000.00 $589,748.21
16 $620,000.00 $588,840.65
17 $620,000.00 $587,905.87
18 $620,000.00 $586,943.05
19 $620,000.00 $585,951.34
20 $620,000.00 $584,929.88
21 $620,000.00 $583,877.78
22 $620,000.00 $582,794.11
23 $620,000.00 $581,677.93
24 $620,000.00 $580,528.27
25 $620,000.00 $579,344.12
26 $620,000.00 $578,124.44
27 $620,000.00 $576,868.17
28 $620,000.00 $575,574.22
29 $620,000.00 $574,241.45
30 $620,000.00 $572,868.69
31 $620,000.00 $571,454.75
32 $620,000.00 $569,998.39
33 $620,000.00 $568,498.34
34 $620,000.00 $566,953.30
35 $620,000.00 $565,361.89
36 $620,000.00 $563,722.75
37 $620,000.00 $562,034.43
38 $620,000.00 $560,295.47
39 $620,000.00 $558,504.33
40 $620,000.00 $556,659.46
41 $620,000.00 $554,759.24
42 $620,000.00 $552,802.02
43 $620,000.00 $550,786.08
44 $620,000.00 $548,709.66
45 $620,000.00 $546,570.95
46 $620,000.00 $544,368.08
47 $620,000.00 $542,099.13
48 $620,000.00 $539,762.10
49 $620,000.00 $537,354.96
50 $620,000.00 $534,875.61
51 $620,000.00 $532,321.88
52 $620,000.00 $529,691.54
53 $620,000.00 $526,982.28
54 $620,000.00 $524,191.75
55 $620,000.00 $521,317.50
56 $620,000.00 $518,357.03
57 $620,000.00 $515,307.74
58 $620,000.00 $512,166.97
59 $620,000.00 $508,931.98
60 $620,000.00 $505,599.94
61 $620,000.00 $502,167.94
62 $620,000.00 $498,632.98
63 $620,000.00 $494,991.97
64 $620,000.00 $491,241.72
65 $620,000.00 $487,378.98
66 $620,000.00 $483,400.35
67 $620,000.00 $479,302.36
68 $620,000.00 $475,081.43
69 $620,000.00 $470,733.87
70 $620,000.00 $466,255.89
71 $620,000.00 $461,643.56
72 $620,000.00 $456,892.87
73 $620,000.00 $451,999.65
74 $620,000.00 $446,959.64
75 $620,000.00 $441,768.43
76 $620,000.00 $436,421.49
77 $620,000.00 $430,914.13
78 $620,000.00 $425,241.56
79 $620,000.00 $419,398.80
80 $620,000.00 $413,380.77
81 $620,000.00 $407,182.19
82 $620,000.00 $400,797.65
83 $620,000.00 $394,221.58
84 $620,000.00 $387,448.23
85 $620,000.00 $380,471.68
86 $620,000.00 $373,285.83
87 $620,000.00 $365,884.40
88 $620,000.00 $358,260.94
89 $620,000.00 $350,408.76
90 $620,000.00 $342,321.03
91 $620,000.00 $333,990.66
92 $620,000.00 $325,410.38
93 $620,000.00 $316,572.69
94 $620,000.00 $307,469.87
95 $620,000.00 $298,093.97
96 $620,000.00 $288,436.78
97 $620,000.00 $278,489.89
98 $620,000.00 $268,244.58
99 $620,000.00 $257,691.92
100 $620,000.00 $246,822.68
101 $620,000.00 $235,627.36
102 $620,000.00 $224,096.18
103 $620,000.00 $212,219.07
104 $620,000.00 $199,985.64
105 $620,000.00 $187,385.21
106 $620,000.00 $174,406.76
107 $620,000.00 $161,038.97
108 $620,000.00 $147,270.14
109 $620,000.00 $133,088.24
110 $620,000.00 $118,480.89
111 $620,000.00 $103,435.31
112 $620,000.00 $87,938.37
113 $620,000.00 $71,976.52
114 $620,000.00 $55,535.82
115 $620,000.00 $38,601.89
116 $620,000.00 $21,159.95
117 $620,000.00 $3,194.75
abono saldo
$20,000,000
$20,000.00 $19,980,000.00
$20,600.00 $19,959,400.00
$21,218.00 $19,938,182.00
$21,854.54 $19,916,327.46
$22,510.18 $19,893,817.28
$23,185.48 $19,870,631.80
$23,881.05 $19,846,750.76
$24,597.48 $19,822,153.28
$25,335.40 $19,796,817.88
$26,095.46 $19,770,722.41
$26,878.33 $19,743,844.09
$27,684.68 $19,716,159.41
$28,515.22 $19,687,644.19
$29,370.67 $19,658,273.52
$30,251.79 $19,628,021.72
$31,159.35 $19,596,862.37
$32,094.13 $19,564,768.25
$33,056.95 $19,531,711.29
$34,048.66 $19,497,662.63
$35,070.12 $19,462,592.51
$36,122.22 $19,426,470.29
$37,205.89 $19,389,264.39
$38,322.07 $19,350,942.33
$39,471.73 $19,311,470.60
$40,655.88 $19,270,814.71
$41,875.56 $19,228,939.15
$43,131.83 $19,185,807.33
$44,425.78 $19,141,381.55
$45,758.55 $19,095,623.00
$47,131.31 $19,048,491.69
$48,545.25 $18,999,946.44
$50,001.61 $18,949,944.83
$51,501.66 $18,898,443.17
$53,046.70 $18,845,396.47
$54,638.11 $18,790,758.36
$56,277.25 $18,734,481.11
$57,965.57 $18,676,515.55
$59,704.53 $18,616,811.01
$61,495.67 $18,555,315.34
$63,340.54 $18,491,974.81
$65,240.76 $18,426,734.05
$67,197.98 $18,359,536.07
$69,213.92 $18,290,322.15
$71,290.34 $18,219,031.82
$73,429.05 $18,145,602.77
$75,631.92 $18,069,970.86
$77,900.87 $17,992,069.98
$80,237.90 $17,911,832.08
$82,645.04 $17,829,187.04
$85,124.39 $17,744,062.65
$87,678.12 $17,656,384.53
$90,308.46 $17,566,076.07
$93,017.72 $17,473,058.35
$95,808.25 $17,377,250.10
$98,682.50 $17,278,567.61
$101,642.97 $17,176,924.63
$104,692.26 $17,072,232.37
$107,833.03 $16,964,399.34
$111,068.02 $16,853,331.32
$114,400.06 $16,738,931.26
$117,832.06 $16,621,099.20
$121,367.02 $16,499,732.18
$125,008.03 $16,374,724.14
$128,758.28 $16,245,965.87
$132,621.02 $16,113,344.84
$136,599.65 $15,976,745.19
$140,697.64 $15,836,047.54
$144,918.57 $15,691,128.97
$149,266.13 $15,541,862.84
$153,744.11 $15,388,118.73
$158,356.44 $15,229,762.29
$163,107.13 $15,066,655.16
$168,000.35 $14,898,654.81
$173,040.36 $14,725,614.45
$178,231.57 $14,547,382.89
$183,578.51 $14,363,804.37
$189,085.87 $14,174,718.51
$194,758.44 $13,979,960.06
$200,601.20 $13,779,358.86
$206,619.23 $13,572,739.63
$212,817.81 $13,359,921.82
$219,202.35 $13,140,719.47
$225,778.42 $12,914,941.06
$232,551.77 $12,682,389.29
$239,528.32 $12,442,860.97
$246,714.17 $12,196,146.80
$254,115.60 $11,942,031.20
$261,739.06 $11,680,292.14
$269,591.24 $11,410,700.90
$277,678.97 $11,133,021.93
$286,009.34 $10,847,012.58
$294,589.62 $10,552,422.96
$303,427.31 $10,248,995.65
$312,530.13 $9,936,465.52
$321,906.03 $9,614,559.49
$331,563.22 $9,282,996.27
$341,510.11 $8,941,486.16
$351,755.42 $8,589,730.74
$362,308.08 $8,227,422.67
$373,177.32 $7,854,245.35
$384,372.64 $7,469,872.71
$395,903.82 $7,073,968.89
$407,780.93 $6,666,187.95
$420,014.36 $6,246,173.59
$432,614.79 $5,813,558.80
$445,593.24 $5,367,965.56
$458,961.03 $4,909,004.53
$472,729.86 $4,436,274.67
$486,911.76 $3,949,362.91
$501,519.11 $3,447,843.79
$516,564.69 $2,931,279.11
$532,061.63 $2,399,217.48
$548,023.48 $1,851,194.01
$564,464.18 $1,286,729.83
$581,398.11 $705,331.72
$598,840.05 $106,491.67
$616,805.25 -$510,313.58
Se compró un vehiculo con una cuota inicial de $1.000.000 Cuota Inicial
y 12 cuotas mensuales iguales de $200.000 A
La agencia cobra el 2.5% mensual sobre saldos. i

a Calcular el valor del vehiculo con formula n


b Calcular el valor del vehiculo con función Va VP

vp
vehiculo

0 1 2 3 4 5 6 7

### ### ### ### $ 200,000.00 ### ###


$ 1,000,000
f

Ecuación valor Formula

$ 3,051,553 $ 3,051,553

1 195121.951
2 190362.879
3 185719.882
4 181190.129
5 176770.858
6 172459.373
7 168253.047
8 164149.314
9 160145.672
10 156239.68
11 152428.956
12 148711.177
1000000
200000
0.025 mensual

12
?

8 9 10 11 12

$ 200,000.00 ### ### ### $ 200,000.00

Función Tabla
3051552.92
$ 3,051,552.92 no cuota cuota interes abono saldo
0 $ 1,000,000 $ 2,051,553
1 $ 200,000 $ 51,289 $ 148,711 $ 1,902,842
2 $ 200,000 $ 47,571 $ 152,429 $ 1,750,413
3 $ 200,000 $ 43,760 $ 156,240 $ 1,594,173
4 $ 200,000 $ 39,854 $ 160,146 $ 1,434,027
5 $ 200,000 $ 35,851 $ 164,149 $ 1,269,878
6 $ 200,000 $ 31,747 $ 168,253 $ 1,101,625
7 $ 200,000 $ 27,541 $ 172,459 $ 929,166
8 $ 200,000 $ 23,229 $ 176,771 $ 752,395
9 $ 200,000 $ 18,810 $ 181,190 $ 571,205
10 $ 200,000 $ 14,280 $ 185,720 $ 385,485
11 $ 200,000 $ 9,637 $ 190,363 $ 195,122
12 $ 200,000 $ 4,878 $ 195,122 $ -
¿En cuánto tiempo debemos retirar una inversión realizada en el día de hoy, vp
a una tasa nominal del 41,91% capitalizable mensualmente, si deseamos que se triplique? vf
i

a Calcular el número de períodos con función

Función 32.0024923 meses

formula 32.0024923 meses


100
300
0.034925

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