Un persona saca un préstamo de 180000 soles

para pagar en 120 meses, con una TNA = 15% capitalizable

semestralmente.
a) Determine el interés pagado hasta el mes 70
b) Determine el saldo en el mes 80
c) Si en el mes 80 otro banco le compra el saldo de la deuda con una
TEA de 14% para terminar de pagar en el tiempo que queda, determine
la nueva cuota y el interés total en este último caso

S/ 180,000.00

BANCO 1 BANCO 2
TNA 15.00% TEA 14%
TES 7.50% TEM 1.10%

n 120 n 40

C S/ 180,000.00
TEM 1.21%

Periodo Saldo Amortización

0 S/ 180,000.00
1 S/ 179,327.94 S/ 672.06
2 S/ 178,647.73 S/ 680.21
3 S/ 177,959.27 S/ 688.46
4 S/ 177,262.47 S/ 696.81
5 S/ 176,557.21 S/ 705.26
6 S/ 175,843.41 S/ 713.81
7 S/ 175,120.94 S/ 722.46
8 S/ 174,389.72 S/ 731.22
9 S/ 173,649.63 S/ 740.09
10 S/ 172,900.56 S/ 749.07
11 S/ 172,142.41 S/ 758.15
12 S/ 171,375.07 S/ 767.34
13 S/ 170,598.42 S/ 776.65
14 S/ 169,812.35 S/ 786.07
15 S/ 169,016.75 S/ 795.60
16 S/ 168,211.51 S/ 805.25
17 S/ 167,396.50 S/ 815.01
18 S/ 166,571.60 S/ 824.89
19 S/ 165,736.70 S/ 834.90
20 S/ 164,891.68 S/ 845.02
21 S/ 164,036.42 S/ 855.27
22 S/ 163,170.78 S/ 865.64
23 S/ 162,294.64 S/ 876.14
24 S/ 161,407.88 S/ 886.76
25 S/ 160,510.36 S/ 897.51
26 S/ 159,601.97 S/ 908.40
27 S/ 158,682.55 S/ 919.41
28 S/ 157,751.99 S/ 930.56
29 S/ 156,810.14 S/ 941.85
30 S/ 155,856.87 S/ 953.27
31 S/ 154,892.05 S/ 964.83
32 S/ 153,915.52 S/ 976.53
33 S/ 152,927.15 S/ 988.37
34 S/ 151,926.79 S/ 1,000.35
35 S/ 150,914.31 S/ 1,012.49
36 S/ 149,889.54 S/ 1,024.76
37 S/ 148,852.35 S/ 1,037.19
38 S/ 147,802.59 S/ 1,049.77
39 S/ 146,740.09 S/ 1,062.50
40 S/ 145,664.71 S/ 1,075.38
41 S/ 144,576.29 S/ 1,088.42
42 S/ 143,474.67 S/ 1,101.62
43 S/ 142,359.69 S/ 1,114.98
44 S/ 141,231.19 S/ 1,128.50
45 S/ 140,089.00 S/ 1,142.18
46 S/ 138,932.97 S/ 1,156.04
47 S/ 137,762.91 S/ 1,170.05
48 S/ 136,578.67 S/ 1,184.24
49 S/ 135,380.07 S/ 1,198.60
50 S/ 134,166.93 S/ 1,213.14
51 S/ 132,939.08 S/ 1,227.85
52 S/ 131,696.35 S/ 1,242.74
53 S/ 130,438.54 S/ 1,257.81
54 S/ 129,165.48 S/ 1,273.06
55 S/ 127,876.98 S/ 1,288.50
56 S/ 126,572.86 S/ 1,304.12
57 S/ 125,252.92 S/ 1,319.94
58 S/ 123,916.98 S/ 1,335.94
59 S/ 122,564.83 S/ 1,352.14
60 S/ 121,196.29 S/ 1,368.54
61 S/ 119,811.16 S/ 1,385.14
62 S/ 118,409.23 S/ 1,401.93
 63 S/ 116,990.29 S/ 1,418.93
64 S/ 115,554.16 S/ 1,436.14
65 S/ 114,100.60 S/ 1,453.55
66 S/ 112,629.42 S/ 1,471.18
67 S/ 111,140.40 S/ 1,489.02
68 S/ 109,633.32 S/ 1,507.08
69 S/ 108,107.97 S/ 1,525.35
70 S/ 106,564.12 S/ 1,543.85
71 S/ 105,001.55 S/ 1,562.57
72 S/ 103,420.03 S/ 1,581.52
73 S/ 101,819.34 S/ 1,600.70
74 S/ 100,199.23 S/ 1,620.11
75 S/ 98,559.48 S/ 1,639.75
76 S/ 96,899.84 S/ 1,659.64
77 S/ 95,220.07 S/ 1,679.76
78 S/ 93,519.94 S/ 1,700.13
79 S/ 91,799.19 S/ 1,720.75
80 S/ 90,057.58 S/ 1,741.62
81 S/ 88,294.84 S/ 1,762.74
82 S/ 86,510.73 S/ 1,784.11
83 S/ 84,704.99 S/ 1,805.75
84 S/ 82,877.34 S/ 1,827.64
85 S/ 81,027.54 S/ 1,849.81
86 S/ 79,155.30 S/ 1,872.24
87 S/ 77,260.36 S/ 1,894.94
88 S/ 75,342.44 S/ 1,917.92
89 S/ 73,401.26 S/ 1,941.18
90 S/ 71,436.55 S/ 1,964.72
91 S/ 69,448.01 S/ 1,988.54
92 S/ 67,435.35 S/ 2,012.65
93 S/ 65,398.29 S/ 2,037.06
94 S/ 63,336.53 S/ 2,061.76
95 S/ 61,249.77 S/ 2,086.76
96 S/ 59,137.70 S/ 2,112.07
97 S/ 57,000.01 S/ 2,137.68
98 S/ 54,836.41 S/ 2,163.60
99 S/ 52,646.57 S/ 2,189.84
100 S/ 50,430.18 S/ 2,216.40
101 S/ 48,186.90 S/ 2,243.27
102 S/ 45,916.43 S/ 2,270.47
103 S/ 43,618.42 S/ 2,298.01
104 S/ 41,292.55 S/ 2,325.87
105 S/ 38,938.47 S/ 2,354.08
106 S/ 36,555.84 S/ 2,382.62
107 S/ 34,144.33 S/ 2,411.52
108 S/ 31,703.57 S/ 2,440.76
109 S/ 29,233.21 S/ 2,470.36
110 S/ 26,732.89 S/ 2,500.31
111 S/ 24,202.26 S/ 2,530.63
112 S/ 21,640.94 S/ 2,561.32
113 S/ 19,048.56 S/ 2,592.38
114 S/ 16,424.74 S/ 2,623.82
115 S/ 13,769.10 S/ 2,655.63
116 S/ 11,081.27 S/ 2,687.84
117 S/ 8,360.83 S/ 2,720.43
118 S/ 5,607.41 S/ 2,753.42
119 S/ 2,820.60 S/ 2,786.81
120 -S/ 0.00 S/ 2,820.60
 A) Interes pagado hasta el mes 70 es S/ 126,400.64

B) El saldo del mes 80 es S/ 90,057.58

C) La nueva cuota es S/2,794.01 - El interes total pagado es

Periodo Saldo
Interes Cuota 0 S/ 90,057.58
1 S/ 88,252.29
S/ 2,182.75 S/2,854.81 2 S/ 86,427.19
S/ 2,174.60 S/2,854.81 3 S/ 84,582.05
S/ 2,166.35 S/2,854.81 4 S/ 82,716.65
S/ 2,158.00 S/2,854.81 5 S/ 80,830.77
S/ 2,149.55 S/2,854.81 6 S/ 78,924.18
S/ 2,141.00 S/2,854.81 7 S/ 76,996.67
S/ 2,132.34 S/2,854.81 8 S/ 75,047.99
S/ 2,123.58 S/2,854.81 9 S/ 73,077.92
S/ 2,114.72 S/2,854.81 10 S/ 71,086.22
S/ 2,105.74 S/2,854.81 11 S/ 69,072.65
S/ 2,096.66 S/2,854.81 12 S/ 67,036.97
S/ 2,087.46 S/2,854.81 13 S/ 64,978.95
S/ 2,078.16 S/2,854.81 14 S/ 62,898.33
S/ 2,068.74 S/2,854.81 15 S/ 60,794.87
S/ 2,059.21 S/2,854.81 16 S/ 58,668.31
S/ 2,049.56 S/2,854.81 17 S/ 56,518.41
S/ 2,039.80 S/2,854.81 18 S/ 54,344.91
S/ 2,029.91 S/2,854.81 19 S/ 52,147.54
S/ 2,019.91 S/2,854.81 20 S/ 49,926.04
S/ 2,009.79 S/2,854.81 21 S/ 47,680.16
S/ 1,999.54 S/2,854.81 22 S/ 45,409.62
S/ 1,989.17 S/2,854.81 23 S/ 43,114.16
S/ 1,978.67 S/2,854.81 24 S/ 40,793.49
S/ 1,968.05 S/2,854.81 25 S/ 38,447.34
S/ 1,957.29 S/2,854.81 26 S/ 36,075.43
S/ 1,946.41 S/2,854.81 27 S/ 33,677.49
S/ 1,935.39 S/2,854.81 28 S/ 31,253.21
S/ 1,924.24 S/2,854.81 29 S/ 28,802.33
S/ 1,912.96 S/2,854.81 30 S/ 26,324.53
S/ 1,901.54 S/2,854.81 31 S/ 23,819.53
S/ 1,889.98 S/2,854.81 32 S/ 21,287.03
S/ 1,878.28 S/2,854.81 33 S/ 18,726.72
S/ 1,866.44 S/2,854.81 34 S/ 16,138.31
S/ 1,854.45 S/2,854.81 35 S/ 13,521.47
S/ 1,842.32 S/2,854.81 36 S/ 10,875.91
S/ 1,830.04 S/2,854.81 37 S/ 8,201.30
S/ 1,817.62 S/2,854.81 38 S/ 5,497.33
S/ 1,805.04 S/2,854.81 39 S/ 2,763.67
S/ 1,792.31 S/2,854.81 40 S/ -
S/ 1,779.43 S/2,854.81
S/ 1,766.39 S/2,854.81
S/ 1,753.19 S/2,854.81
S/ 1,739.83 S/2,854.81
S/ 1,726.31 S/2,854.81
S/ 1,712.62 S/2,854.81
S/ 1,698.77 S/2,854.81
S/ 1,684.75 S/2,854.81
S/ 1,670.57 S/2,854.81
S/ 1,656.20 S/2,854.81
S/ 1,641.67 S/2,854.81
S/ 1,626.96 S/2,854.81
S/ 1,612.07 S/2,854.81
S/ 1,597.00 S/2,854.81
S/ 1,581.75 S/2,854.81
S/ 1,566.31 S/2,854.81
S/ 1,550.68 S/2,854.81
S/ 1,534.87 S/2,854.81
S/ 1,518.86 S/2,854.81
S/ 1,502.66 S/2,854.81
S/ 1,486.27 S/2,854.81
S/ 1,469.67 S/2,854.81
S/ 1,452.88 S/2,854.81
S/ 1,435.88 S/2,854.81
S/ 1,418.67 S/2,854.81
S/ 1,401.25 S/2,854.81
S/ 1,383.63 S/2,854.81
S/ 1,365.79 S/2,854.81
S/ 1,347.73 S/2,854.81
S/ 1,329.46 S/2,854.81
S/ 1,310.96 S/2,854.81 S/ 126,400.64
S/ 1,292.24 S/2,854.81
S/ 1,273.29 S/2,854.81
S/ 1,254.11 S/2,854.81
S/ 1,234.70 S/2,854.81
S/ 1,215.05 S/2,854.81
S/ 1,195.17 S/2,854.81
S/ 1,175.04 S/2,854.81
S/ 1,154.67 S/2,854.81
S/ 1,134.06 S/2,854.81
S/ 1,113.19 S/2,854.81
S/ 1,092.07 S/2,854.81
S/ 1,070.70 S/2,854.81
S/ 1,049.06 S/2,854.81
S/ 1,027.16 S/2,854.81
S/ 1,005.00 S/2,854.81
S/ 982.57 S/2,854.81
S/ 959.87 S/2,854.81
S/ 936.89 S/2,854.81
S/ 913.63 S/2,854.81
S/ 890.09 S/2,854.81
S/ 866.27 S/2,854.81
S/ 842.15 S/2,854.81
S/ 817.75 S/2,854.81
S/ 793.04 S/2,854.81
S/ 768.04 S/2,854.81
S/ 742.74 S/2,854.81
S/ 717.13 S/2,854.81
S/ 691.20 S/2,854.81
S/ 664.97 S/2,854.81
S/ 638.41 S/2,854.81
S/ 611.54 S/2,854.81
S/ 584.33 S/2,854.81
S/ 556.80 S/2,854.81
S/ 528.93 S/2,854.81
S/ 500.73 S/2,854.81
S/ 472.18 S/2,854.81
S/ 443.29 S/2,854.81
S/ 414.05 S/2,854.81
S/ 384.45 S/2,854.81
S/ 354.49 S/2,854.81
S/ 324.17 S/2,854.81
S/ 293.49 S/2,854.81
S/ 262.43 S/2,854.81
S/ 230.99 S/2,854.81
S/ 199.17 S/2,854.81
S/ 166.97 S/2,854.81
S/ 134.38 S/2,854.81
S/ 101.39 S/2,854.81
S/ 68.00 S/2,854.81
S/ 34.20 S/2,854.81
teres total pagado es S/ 21,702.95

Amortización Interes Cuota

S/ 1,805.28 S/ 988.73 S/2,794.01

S/ 1,825.10 S/ 968.91 S/2,794.01
S/ 1,845.14 S/ 948.87 S/2,794.01
S/ 1,865.40 S/ 928.61 S/2,794.01
S/ 1,885.88 S/ 908.13 S/2,794.01
S/ 1,906.58 S/ 887.43 S/2,794.01
S/ 1,927.52 S/ 866.50 S/2,794.01
S/ 1,948.68 S/ 845.34 S/2,794.01
S/ 1,970.07 S/ 823.94 S/2,794.01
S/ 1,991.70 S/ 802.31 S/2,794.01
S/ 2,013.57 S/ 780.45 S/2,794.01
S/ 2,035.67 S/ 758.34 S/2,794.01
S/ 2,058.02 S/ 735.99 S/2,794.01
S/ 2,080.62 S/ 713.39 S/2,794.01
S/ 2,103.46 S/ 690.55 S/2,794.01
S/ 2,126.56 S/ 667.46 S/2,794.01
S/ 2,149.90 S/ 644.11 S/2,794.01
S/ 2,173.51 S/ 620.51 S/2,794.01
S/ 2,197.37 S/ 596.64 S/2,794.01
S/ 2,221.49 S/ 572.52 S/2,794.01
S/ 2,245.88 S/ 548.13 S/2,794.01
S/ 2,270.54 S/ 523.47 S/2,794.01
S/ 2,295.47 S/ 498.55 S/2,794.01
S/ 2,320.67 S/ 473.34 S/2,794.01
S/ 2,346.15 S/ 447.87 S/2,794.01
S/ 2,371.91 S/ 422.11 S/2,794.01
S/ 2,397.95 S/ 396.07 S/2,794.01
S/ 2,424.27 S/ 369.74 S/2,794.01
S/ 2,450.89 S/ 343.12 S/2,794.01
S/ 2,477.80 S/ 316.22 S/2,794.01
S/ 2,505.00 S/ 289.01 S/2,794.01
S/ 2,532.50 S/ 261.51 S/2,794.01
S/ 2,560.31 S/ 233.71 S/2,794.01
S/ 2,588.42 S/ 205.60 S/2,794.01
S/ 2,616.83 S/ 177.18 S/2,794.01
S/ 2,645.56 S/ 148.45 S/2,794.01
S/ 2,674.61 S/ 119.41 S/2,794.01
S/ 2,703.97 S/ 90.04 S/2,794.01
S/ 2,733.66 S/ 60.35 S/2,794.01
S/ 2,763.67 S/ 30.34 S/2,794.01
Anualidad 500 bimestral
TNS 6% capi. Trimestralmente
n 20 cuatrimestres
VP = ??

TNS 6.00% capi. Trimestralmente

TET 3.00%
TEB 1.99%
n 40 bimestres
Anualidad 500 bimestres

S/13,701.44
 Una persona deje en ahorros hoy 12000 soles con una TNA = 12% capitalizable
trimestralmente durante los primeros tres años
Luego retira 2000 soles, el saldo se capitaliza durante seis bimestres, luego retira
nuevamente 4200 soles. Dos meses más tarde deposita 3000 soles en dicha cuenta.

a) Cuál es el saldo final en la cuenta

b) Cuánto de interés ganó

S/ 12,000.00

36 48
0
S/ 2,000.00 S/ 4,200.00

TNA 12.00% n 12 n
TET 3.00%
TEM 0.99%
n 36
VF1 VF2
S/ 17,109.13 S/ 17,005.46
S/ 15,109.13 S/ 12,805.46
INTERES 1 INTERES 2
S/ 5,109.13 S/ 1,896.33
capitalizable

s, luego retira
en dicha cuenta.

S/ 3,000.00

50 ???
S/ 16,060.31

VF3
S/ 13,060.31
S/ 16,060.31
INTERES 3
S/ 254.85 S/ 7,260.31
 TEC 6%
TEM 1.47%
SALDO INTERES
0 S/ 60,000.00
1 S/60,880.43 S/ 880.43
2 S/61,773.78 S/ 893.35
3 S/62,680.24 S/ 2,680.24
4 S/63,600.00 S/ 919.76
5 S/64,533.26 S/ 933.26
6 S/65,480.21 S/ 946.95
7 S/66,441.05 S/ 960.85
8 S/67,416.00 S/ 974.95
9 S/68,405.25 S/ 989.25
10 S/69,409.02 S/ 1,003.77
11 S/70,427.52 S/ 1,018.50
12 S/71,460.96 S/ 1,033.44
13 S/72,509.57 S/ 1,048.61
14 S/73,573.56 S/ 1,063.99
15 S/74,653.17 S/ 1,079.61
16 S/75,748.62 S/ 1,095.45
17 S/76,860.14 S/ 1,111.52
18 S/77,987.98 S/ 1,127.83