PUNTO 1

1. Usted solicita un crédito de libre inversió n hoy para cancelarlo en 12 meses a través de cuotas mensuales ve
incrementando en $100.000 mensuales. El costo de mi crédito es de 27,80% EA
a.       ¿Cuá l es el valor de la cuarta cuota del crédito? El valor de la cuarta cuota del crédito es de $1.800.000

K1 $1,500,000 $1,500,000
K2 $1,500,000 $100,000 $1,600,000
K3 $1,600,000 $100,000 $1,700,000
K4 $1,700,000 $100,000 $1,800,000
K5 $1,800,000 $100,000 $1,900,000
K6 $1,900,000 $100,000 $2,000,000
K7 $2,000,000 $100,000 $2,100,000
K8 $2,100,000 $100,000 $2,200,000
K9 $2,200,000 $100,000 $2,300,000
K10 $2,300,000 $100,000 $2,400,000
K11 $2,400,000 $100,000 $2,500,000
K12 $2,500,000 $100,000 $2,600,000

PUNTO 2

Valor credito $100,000,000

tasa de interes 3.0% EM 0.99%
plazo 1 años
No periodos 12

Abono capital $8,879,358

periodo valor de la cuota interes abono capital saldo adeuda

0 $100,000,000
1 $8,879,358 $990,163 $7,889,194 $92,110,806
2 $8,879,358 $912,047 $7,967,310 $84,143,495
3 $8,879,358 $833,158 $8,046,200 $76,097,295
4 $8,879,358 $753,488 $8,125,870 $67,971,425
5 $8,879,358 $673,028 $8,206,330 $59,765,096
6 $8,879,358 $591,772 $8,287,586 $51,477,510
7 $8,879,358 $509,711 $8,369,646 $43,107,863
8 $8,879,358 $426,838 $8,452,520 $34,655,344
9 $8,879,358 $343,145 $8,536,213 $26,119,131
10 $8,879,358 $258,622 $8,620,736 $17,498,395
 11 $8,879,358 $173,263 $8,706,095 $8,792,300
12 $8,879,358 $87,058 $8,792,300 $0

Anualidades con pagos extras

PUNTO 4 Su familia desea comprar un articulo que cuesta $18.0
Cuota Inicial: 40%
Valor de articulo 18,000,000
Financiación 60%: Restante a 6 meses, para pagarlo
al final del tercer trimestre y una 4.000.000 al final de

Cuota Inicial 40% 7,200,000

Financiación 60% 10,800,000 PLAZO CUOTA INTERES
Plazo meses 60 0
Cuotas Men Iguales 1 $189,214.29 $17,837.08
Cuota Final 3er Trim 5,000,000 2 $189,214.29 $17,554.03
Final 2do Semestre 4,000,000 3 $189,214.29 $17,270.52
Interes 2% EA 4 $189,214.29 $16,986.54
0.0017 EM 5 $189,214.29 $16,702.10
6 $189,214.29 $16,417.18
7 $189,214.29 $16,131.79
8 $189,214.29 $15,845.93
Primer Cuota $189,214.29 9 $5,189,214.29 $15,559.60
10 $86,907.28 $7,014.89
Segunda Cuota $86,907.28 11 $86,907.28 $6,882.94
12 $4,086,907.28 $6,750.77
13 $7,314.98 $12.06

. Usted solicita un crédito libranza hoy para cancelarlo en 24 meses a través de cuotas mensuales vencidas, com
un 1.000.000 e incrementando en 5% mensuales. El costo de mi crédito es de 24,80% EA

¿Cuá l es el valor de la doceava cuota del crédito?

punto 5 incremento del 5% 24.8

0.05
K1 $1,000,000 $1,000,000
K2 $1,000,000 1.0500 $1,050,000
K3 $1,000,000 1.1025 $1,102,500
K4 $1,000,000 1.1576 $1,157,625
K5 $1,000,000 1.2155 $1,215,506
K6 $1,000,000 1.2763 $1,276,282
K7 $1,000,000 1.3401 $1,340,096
K8 $1,000,000 1.4071 $1,407,100
K9 $1,000,000 1.4775 $1,477,455
K10 $1,000,000 1.5513 $1,551,328
K11 $1,000,000 1.6289 $1,628,895
K12 $1,000,000 1.7103 $1,710,339
K13 $1,000,000 1.7959 $1,795,856
K14 $1,000,000 1.8856 $1,885,649
K15 $1,000,000 1.9799 $1,979,932
K16 $1,000,000 2.0789 $2,078,928
K17 $1,000,000 2.1829 $2,182,875
K18 $1,000,000 2.2920 $2,292,018
K19 $1,000,000 2.4066 $2,406,619
K20 $1,000,000 2.5270 $2,526,950
K21 $1,000,000 2.6533 $2,653,298
K22 $1,000,000 2.7860 $2,785,963
K23 $1,000,000 2.9253 $2,925,261
K24 $1,000,000 3.0715 $3,071,524
s de cuotas mensuales vencidas, comenzando con un 1.500.000 e

édito es de $1.800.000

¿En cuá nto me puedo endeudar o cual es el valor de mi crédito?

VP= EM GRADIENTE MESES

1500000 0.0207 100000 12

13.4650073 4830917.87 1.46500731 0.78202858

20197511 7077330.01
27274841
21329705
articulo que cuesta $18.000.000 para pagarlo así:

e a 6 meses, para pagarlo mediante cuota mensuales iguales mas 1 cuota de 5.000.000
una 4.000.000 al final del segundo semestre. Con costo de interés de 2% EA

ABONO CAPITAL SALDO FINAL

$10,800,000.00
$171,377.21 $10,628,622.79
$171,660.26 $10,456,962.53
$171,943.77 $10,285,018.76
$172,227.75 $10,112,791.01
$172,512.20 $9,940,278.82
$172,797.11 $9,767,481.71
$173,082.50 $9,594,399.20
$173,368.36 $9,421,030.84
$5,173,654.69 $4,247,376.15
$79,892.39 $4,167,483.76
$80,024.34 $4,087,459.42
$4,080,156.50 $7,302.92
$7,302.92 $0.00

mensuales vencidas, comenzando con

EA

EA 0.019 EM
GG

1.07068485456 1070684.85 0.031 34134475.8

 OTRO EJERCICIO
VF= EM GRADIENTE TRIMESTRES
500000 0.025 100000 8

8.7361159004 4000000 0.7361159004 0.82074657

4368057.9502 2944463.6016
VF 7312521.5518
VP 6001726.9876

PUNTO 3

Tengo un crédito con el Banco BBVA de libre destino desde diciembre de 2016 con un plazo
de 36 meses. El monto aprobado fue de 150.000.000 pesos a una tasa de 2,1% mensual mes
vencido. Sin embargo, para diciembre del 2018 recibo la prima y otros ingresos, donde
decido cancelar la deuda.
¿Cuá nto dinero debo girara para saldar mi deuda con dicho banco?

Valor credito $150,000,000

tasa de interes 28.32% EA 2.10% EM
plazo 36 años
No periodos 36

Abono capital $5,979,852

periodo valor de la cuota interes abono capital saldo adeuda

0 $150,000,000
1 $5,979,852 $3,150,000 $2,829,852 $147,170,148
2 $5,979,852 $3,090,573 $2,889,279 $144,280,869
3 $5,979,852 $3,029,898 $2,949,954 $141,330,915
4 $5,979,852 $2,967,949 $3,011,903 $138,319,013
5 $5,979,852 $2,904,699 $3,075,153 $135,243,860
6 $5,979,852 $2,840,121 $3,139,731 $132,104,129
7 $5,979,852 $2,774,187 $3,205,665 $128,898,464
8 $5,979,852 $2,706,868 $3,272,984 $125,625,480
9 $5,979,852 $2,638,135 $3,341,717 $122,283,763
10 $5,979,852 $2,567,959 $3,411,893 $118,871,870
11 $5,979,852 $2,496,309 $3,483,543 $115,388,327
12 $5,979,852 $2,423,155 $3,556,697 $111,831,630
13 $5,979,852 $2,348,464 $3,631,388 $108,200,242
14 $5,979,852 $2,272,205 $3,707,647 $104,492,595
15 $5,979,852 $2,194,344 $3,785,507 $100,707,088
16 $5,979,852 $2,114,849 $3,865,003 $96,842,085
17 $5,979,852 $2,033,684 $3,946,168 $92,895,916
18 $5,979,852 $1,950,814 $4,029,038 $88,866,879
19 $5,979,852 $1,866,204 $4,113,648 $84,753,231
20 $5,979,852 $1,779,818 $4,200,034 $80,553,197
21 $5,979,852 $1,691,617 $4,288,235 $76,264,962
22 $5,979,852 $1,601,564 $4,378,288 $71,886,674
23 $5,979,852 $1,509,620 $4,470,232 $67,416,443
24 $5,979,852 $1,415,745 $4,564,107 $62,852,336
25 $5,979,852 $1,319,899 $4,659,953 $58,192,383
26 $5,979,852 $1,222,040 $4,757,812 $53,434,571
27 $5,979,852 $1,122,126 $4,857,726 $48,576,845
28 $5,979,852 $1,020,114 $4,959,738 $43,617,107
29 $5,979,852 $915,959 $5,063,893 $38,553,214
30 $5,979,852 $809,617 $5,170,234 $33,382,980
31 $5,979,852 $701,043 $5,278,809 $28,104,170
32 $5,979,852 $590,188 $5,389,664 $22,714,506
33 $5,979,852 $477,005 $5,502,847 $17,211,659
34 $5,979,852 $361,445 $5,618,407 $11,593,252
35 $5,979,852 $243,458 $5,736,394 $5,856,858
36 $5,979,852 $122,994 $5,856,858 $0
Sistema de amortizacion que se realizaran abonos mensuales constantes a capital

Valor credito $ 150,000,000.00

tasa de interes 2.1% EM
plazo 36 años
No periodos 36

Abono capital $4,166,667

periodo valor de la cuota interes abono capital saldo adeuda

0 $150,000,000
1 $7,316,667 $3,150,000 $4,166,667 $145,833,333
2 $7,229,167 $3,062,500 $4,166,667 $141,666,667
3 $7,141,667 $2,975,000 $4,166,667 $137,500,000
4 $7,054,167 $2,887,500 $4,166,667 $133,333,333
5 $6,966,667 $2,800,000 $4,166,667 $129,166,667
6 $6,879,167 $2,712,500 $4,166,667 $125,000,000
7 $6,791,667 $2,625,000 $4,166,667 $120,833,333
8 $6,704,167 $2,537,500 $4,166,667 $116,666,667
9 $6,616,667 $2,450,000 $4,166,667 $112,500,000
10 $6,529,167 $2,362,500 $4,166,667 $108,333,333
11 $6,441,667 $2,275,000 $4,166,667 $104,166,667
12 $6,354,167 $2,187,500 $4,166,667 $100,000,000
13 $6,266,667 $2,100,000 $4,166,667 $95,833,333
14 $6,179,167 $2,012,500 $4,166,667 $91,666,667
15 $6,091,667 $1,925,000 $4,166,667 $87,500,000
16 $6,004,167 $1,837,500 $4,166,667 $83,333,333
17 $5,916,667 $1,750,000 $4,166,667 $79,166,667
18 $5,829,167 $1,662,500 $4,166,667 $75,000,000
19 $5,741,667 $1,575,000 $4,166,667 $70,833,333
20 $5,654,167 $1,487,500 $4,166,667 $66,666,667
21 $5,566,667 $1,400,000 $4,166,667 $62,500,000
22 $5,479,167 $1,312,500 $4,166,667 $58,333,333
23 $5,391,667 $1,225,000 $4,166,667 $54,166,667
24 $5,304,167 $1,137,500 $4,166,667 $50,000,000
25 $5,216,667 $1,050,000 $4,166,667 $45,833,333
26 $5,129,167 $962,500 $4,166,667 $41,666,667
27 $5,041,667 $875,000 $4,166,667 $37,500,000
28 $4,954,167 $787,500 $4,166,667 $33,333,333
29 $4,866,667 $700,000 $4,166,667 $29,166,667
30 $4,779,167 $612,500 $4,166,667 $25,000,000
31 $4,691,667 $525,000 $4,166,667 $20,833,333
32 $4,604,167 $437,500 $4,166,667 $16,666,667
33 $4,516,667 $350,000 $4,166,667 $12,500,000
34 $4,429,167 $262,500 $4,166,667 $8,333,333
35 $4,341,667 $175,000 $4,166,667 $4,166,667
36 $4,254,167 $87,500 $4,166,667 $0
Sistema de amortizacion que se realizaran pagos mensuales constantes a capital

Valor credito $150,000,000

tasa de interes 2.1% EM 2.10%
plazo 36 años
No periodos 36

Abono capital $5,979,852

periodo valor de la cuota interes abono capital saldo adeuda

0 $150,000,000
1 $5,979,852 $3,150,000 $2,829,852 $147,170,148
2 $5,979,852 $3,090,573 $2,889,279 $144,280,869
3 $5,979,852 $3,029,898 $2,949,954 $141,330,915
4 $5,979,852 $2,967,949 $3,011,903 $138,319,013
5 $5,979,852 $2,904,699 $3,075,153 $135,243,860
6 $5,979,852 $2,840,121 $3,139,731 $132,104,129
7 $5,979,852 $2,774,187 $3,205,665 $128,898,464
8 $5,979,852 $2,706,868 $3,272,984 $125,625,480
9 $5,979,852 $2,638,135 $3,341,717 $122,283,763
10 $5,979,852 $2,567,959 $3,411,893 $118,871,870
11 $5,979,852 $2,496,309 $3,483,543 $115,388,327
12 $5,979,852 $2,423,155 $3,556,697 $111,831,630
13 $5,979,852 $2,348,464 $3,631,388 $108,200,242
14 $5,979,852 $2,272,205 $3,707,647 $104,492,595
15 $5,979,852 $2,194,345 $3,785,507 $100,707,088
16 $5,979,852 $2,114,849 $3,865,003 $96,842,085
17 $5,979,852 $2,033,684 $3,946,168 $92,895,917
18 $5,979,852 $1,950,814 $4,029,038 $88,866,879
19 $5,979,852 $1,866,204 $4,113,648 $84,753,231
20 $5,979,852 $1,779,818 $4,200,034 $80,553,197
21 $5,979,852 $1,691,617 $4,288,235 $76,264,962
22 $5,979,852 $1,601,564 $4,378,288 $71,886,675
23 $5,979,852 $1,509,620 $4,470,232 $67,416,443
24 $5,979,852 $1,415,745 $4,564,107 $62,852,336
25 $5,979,852 $1,319,899 $4,659,953 $58,192,383
26 $5,979,852 $1,222,040 $4,757,812 $53,434,571
27 $5,979,852 $1,122,126 $4,857,726 $48,576,845
28 $5,979,852 $1,020,114 $4,959,738 $43,617,107
29 $5,979,852 $915,959 $5,063,893 $38,553,214
30 $5,979,852 $809,618 $5,170,234 $33,382,980
31 $5,979,852 $701,043 $5,278,809 $28,104,171
32 $5,979,852 $590,188 $5,389,664 $22,714,506
33 $5,979,852 $477,005 $5,502,847 $17,211,659
34 $5,979,852 $361,445 $5,618,407 $11,593,252
35 $5,979,852 $243,458 $5,736,394 $5,856,858
36 $5,979,852 $122,994 $5,856,858 $0
abonos a capital fijo
el banco presta solo el 70%

Valor credito $ 550,000,000.00 $ 385,000,000.00 conversion de tasa trimestre a mes

tasa de interes 12% et , ttv 3.85% em
plazo 15 años
No periodos 180
No cuotas

Abono capital $2,138,888.89

periodo valor de la cuota interes abono capital saldo adeuda

0 0 $ 385,000,000.00
1 $16,960,934.73 $ 14,822,045.84 $2,138,888.89 $382,861,111.11
2 $16,878,590.03 $ 14,739,701.14 $2,138,888.89 $380,722,222.22
3 $16,796,245.33 $ 14,657,356.44 $2,138,888.89 $378,583,333.33
4 $16,713,900.63 $ 14,575,011.75 $2,138,888.89 $376,444,444.44
5 $16,631,555.93 $ 14,492,667.05 $2,138,888.89 $374,305,555.56
6 $16,549,211.24 $ 14,410,322.35 $2,138,888.89 $372,166,666.67
7 $16,466,866.54 $ 14,327,977.65 $2,138,888.89 $370,027,777.78
8 $16,384,521.84 $ 14,245,632.95 $2,138,888.89 $367,888,888.89
9 $16,302,177.14 $ 14,163,288.25 $2,138,888.89 $365,750,000.00
10 $16,219,832.44 $ 14,080,943.55 $2,138,888.89 $363,611,111.11
11 $16,137,487.74 $ 13,998,598.85 $2,138,888.89 $361,472,222.22
12 $2,138,888.89 $ - $2,138,888.89 $0.00
mestre a mes
Sistema de amortizacion que se realizaran pagos mensualesanticipadas

Valor credito $ 100,000,000.00 conversion de tasa trimestre a mes

tasa de interes 3% et , ttv 0.99% em
plazo 1 años
No periodos 12
No cuotas 12

Abono capital $8,792,299.70

periodo valor de la cuota interes abono capital saldo adeuda

0 $8,792,299.70 0 $ 91,207,700.30
1 $8,792,299.70 $ 903,105.27 $7,889,194.43 $83,318,505.87
2 $8,792,299.70 $ 824,989.35 $7,967,310.35 $75,351,195.52
3 $8,792,299.70 $ 746,099.96 $8,046,199.74 $67,304,995.78
4 $8,792,299.70 $ 666,429.44 $8,125,870.26 $59,179,125.51
5 $8,792,299.70 $ 585,970.04 $8,206,329.66 $50,972,795.85
6 $8,792,299.70 $ 504,713.97 $8,287,585.73 $42,685,210.12
7 $8,792,299.70 $ 422,653.33 $8,369,646.37 $34,315,563.75
8 $8,792,299.70 $ 339,780.15 $8,452,519.55 $25,863,044.20
9 $8,792,299.70 $ 256,086.40 $8,536,213.30 $17,326,830.90
10 $8,792,299.70 $ 171,563.94 $8,620,735.76 $8,706,095.13
11 $8,792,299.70 $ 86,204.57 $8,706,095.13 $0.00
12 $0.00 $ - $0.00 $0.00
mestre a mes
Sistema de amortizacion que se realizaran abonos trimestrales constantes a capital

Valor credito $ 150,000,000.00

tasa de interes 3% et , ttv
plazo 5 años 1
No periodos 20

Abono capital $7,500,000.00

periodo valor de la cuota interes abono capital saldo adeuda

0 $ 150,000,000.00
1 $12,000,000.00 $ 4,500,000.00 $7,500,000.00 $142,500,000.00
2 $11,775,000.00 $ 4,275,000.00 $7,500,000.00 $135,000,000.00
3 $11,550,000.00 $ 4,050,000.00 $7,500,000.00 $127,500,000.00
4 $11,325,000.00 $ 3,825,000.00 $7,500,000.00 $120,000,000.00
5 $11,100,000.00 $ 3,600,000.00 $7,500,000.00 $112,500,000.00
6 $10,875,000.00 $ 3,375,000.00 $7,500,000.00 $105,000,000.00
7 $10,650,000.00 $ 3,150,000.00 $7,500,000.00 $97,500,000.00
8 $10,425,000.00 $ 2,925,000.00 $7,500,000.00 $90,000,000.00
9 $10,200,000.00 $ 2,700,000.00 $7,500,000.00 $82,500,000.00
10 $9,975,000.00 $ 2,475,000.00 $7,500,000.00 $75,000,000.00
11 $9,750,000.00 $ 2,250,000.00 $7,500,000.00 $67,500,000.00
12 $9,525,000.00 $ 2,025,000.00 $7,500,000.00 $60,000,000.00
13 $9,300,000.00 $ 1,800,000.00 $7,500,000.00 $52,500,000.00
14 $9,075,000.00 $ 1,575,000.00 $7,500,000.00 $45,000,000.00
15 $8,850,000.00 $ 1,350,000.00 $7,500,000.00 $37,500,000.00
16 $8,625,000.00 $ 1,125,000.00 $7,500,000.00 $30,000,000.00
17 $8,400,000.00 $ 900,000.00 $7,500,000.00 $22,500,000.00
18 $8,175,000.00 $ 675,000.00 $7,500,000.00 $15,000,000.00
19 $7,950,000.00 $ 450,000.00 $7,500,000.00 $7,500,000.00
20 $7,725,000.00 $ 225,000.00 $7,500,000.00 $0.00
Sistema de amortizacion que se realizaran abonos trimestrales constantes a capital

Valor credito $ 200,000,000.00

tasa de interes 3% et , ttv
plazo 1 años
No periodos 4

Abono capital $50,000,000.00

periodo valor de la cuota interes abono capital

0
1 $56,000,000.00 $ 6,000,000.00 $50,000,000.00
2 $54,500,000.00 $ 4,500,000.00 $50,000,000.00
3 $53,000,000.00 $ 3,000,000.00 $50,000,000.00
4 $51,500,000.00 $ 1,500,000.00 $50,000,000.00
s constantes a capital

abono capital saldo adeuda

$ 200,000,000.00
$50,000,000.00 $150,000,000.00
$50,000,000.00 $100,000,000.00
$50,000,000.00 $50,000,000.00
$50,000,000.00 $0.00
Sistema de amortizacion que se realizaran abonos semestrales constantes a capital

Valor credito $ 10,800,000.00

tasa de interes 3% et , ttv
plazo 1 años
No periodos 4
No abonos 2

Abono capital $5,400,000.00

periodo valor de la cuota interes abono capital saldo adeuda

0 $10,800,000
1 $324,000 $324,000 $0 $10,800,000
2 $5,724,000 $324,000 $5,400,000 $5,400,000
3 $162,000 $162,000 $0 $5,400,000
4 $5,562,000 $162,000 $5,400,000 $0