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La compañía requiere para emprender su proyecto la suma de $ 2.500.000.000 (Dos mil quinientos
millones de pesos), dado que dispone del capital restante para su proyecto. La compañía requiere
del apalancamiento por parte una entidad financiera para desarrollar su proyecto de inversión,
por lo cual ha decidido evaluar y analizar la propuesta de financiación que han ofrecido cinco (5)
entidades financieras por medio de la financiación a interés simple e interés compuesto
1. Desarrollar Tablas de interés simple y Tablas de interés compuesto que den respuesta a los
siguientes interrogantes;
R/
TIEMPO= 12 MESES
INTERESES
CAPITAL INICIAL GENERADOS INTERESES
MES ($) ($) CAPITAL FINAL ($) ACUMULADOS ($)
1 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 24.250.000
2 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 48.500.000
3 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 72.750.000
4 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 97.000.000
5 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 121.250.000
6 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 145.500.000
7 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 169.750.000
8 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 194.000.000
9 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 218.250.000
10 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 242.500.000
11 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 266.750.000
12 $ 2.500.000.000 $ 24.250.000 $ 2.500.000.000 $ 291.000.000
Total a cancelar de intereses al termino de 12 meses $ 291.000.000
B. ¿Aplicando la tasa de interés compuesto mensual del 0,97% de un crédito de $ 2.500.000.000
a 12 meses que le presta la entidad A, cual es el valor de los intereses que debe pagar la
compañía ENRECOL S.A.S al término de los 12 meses?
MES CAPITAL INICIAL ($) INTERESES GENERADOS ($) CAPITAL FINAL ($)
1 $ 2.500.000.000,00 $ 24.250.000,00 $ 2.524.250.000,00
2 $ 2.524.250.000,00 $ 24.485.225,00 $ 2.548.735.225,00
3 $ 2.548.735.225,00 $ 24.722.731,68 $ 2.573.457.956,68
4 $ 2.573.457.956,68 $ 24.962.542,18 $ 2.598.420.498,86
5 $ 2.598.420.498,86 $ 25.204.678,84 $ 2.623.625.177,70
6 $ 2.623.625.177,70 $ 25.449.164,22 $ 2.649.074.341,92
7 $ 2.649.074.341,92 $ 25.696.021,12 $ 2.674.770.363,04
8 $ 2.674.770.363,04 $ 25.945.272,52 $ 2.700.715.635,56
9 $ 2.700.715.635,56 $ 26.196.941,66 $ 2.726.912.577,23
10 $ 2.726.912.577,23 $ 26.451.052,00 $ 2.753.363.629,23
11 $ 2.753.363.629,23 $ 26.707.627,20 $ 2.780.071.256,43
12 $ 2.780.071.256,43 $ 26.966.691,19 $ 2.807.037.947,62
Total valor del interes a
cancelar a 12 meses $ 307.037.947,62
R/
TIEMPO= 24 MESES
R/
INTERESES GENERADOS
MES CAPITAL INICIAL ($) CAPITAL FINAL ($)
($)
1 $2.500.000.000,00 $26.900.000,00 $2.526.900.000,00
2 $2.526.900.000,00 $27.189.444,00 $2.554.089.444,00
3 $2.554.089.444,00 $27.482.002,42 $2.581.571.446,42
4 $2.581.571.446,42 $27.777.708,76 $2.609.349.155,18
5 $2.609.349.155,18 $28.076.596,91 $2.637.425.752,09
6 $2.637.425.752,09 $28.378.701,09 $2.665.804.453,18
7 $2.665.804.453,18 $28.684.055,92 $2.694.488.509,10
8 $2.694.488.509,10 $28.992.696,36 $2.723.481.205,46
9 $2.723.481.205,46 $29.304.657,77 $2.752.785.863,23
10 $2.752.785.863,23 $29.619.975,89 $2.782.405.839,12
11 $2.782.405.839,12 $29.938.686,83 $2.812.344.525,95
12 $2.812.344.525,95 $30.260.827,10 $2.842.605.353,04
13 $2.842.605.353,04 $30.586.433,60 $2.873.191.786,64
14 $2.873.191.786,64 $30.915.543,62 $2.904.107.330,27
15 $2.904.107.330,27 $31.248.194,87 $2.935.355.525,14
16 $2.935.355.525,14 $31.584.425,45 $2.966.939.950,59
17 $2.966.939.950,59 $31.924.273,87 $2.998.864.224,46
18 $2.998.864.224,46 $32.267.779,06 $3.031.132.003,52
19 $3.031.132.003,52 $32.614.980,36 $3.063.746.983,87
20 $3.063.746.983,87 $32.965.917,55 $3.096.712.901,42
21 $3.096.712.901,42 $33.320.630,82 $3.130.033.532,24
22 $3.130.033.532,24 $33.679.160,81 $3.163.712.693,05
23 $3.163.712.693,05 $34.041.548,58 $3.197.754.241,62
24 $3.197.754.241,62 $34.407.835,64 $3.232.162.077,26
Total valor del interes a cancelar
$732.162.077,26
a 24 meses
R/
TIEMPO= 36 MESES
MES CAPITAL INICIAL ($) INTERESES GENERADOS ($) CAPITAL FINAL ($)
R/
TIEMPO= 48 MESES
R/
TIEMPO= 60 MESES
INTERESES
MES CAPITAL INICIAL ($) CAPITAL FINAL ($)
GENERADOS ($)
1 $2.500.000.000,00 $31.250.000,00 $2.531.250.000,00
2 $2.531.250.000,00 $31.640.625,00 $2.562.890.625,00
3 $2.562.890.625,00 $32.036.132,81 $2.594.926.757,81
4 $2.594.926.757,81 $32.436.584,47 $2.627.363.342,29
5 $2.627.363.342,29 $32.842.041,78 $2.660.205.384,06
6 $2.660.205.384,06 $33.252.567,30 $2.693.457.951,36
7 $2.693.457.951,36 $33.668.224,39 $2.727.126.175,76
8 $2.727.126.175,76 $34.089.077,20 $2.761.215.252,95
9 $2.761.215.252,95 $34.515.190,66 $2.795.730.443,62
10 $2.795.730.443,62 $34.946.630,55 $2.830.677.074,16
11 $2.830.677.074,16 $35.383.463,43 $2.866.060.537,59
12 $2.866.060.537,59 $35.825.756,72 $2.901.886.294,31
13 $2.901.886.294,31 $36.273.578,68 $2.938.159.872,99
14 $2.938.159.872,99 $36.726.998,41 $2.974.886.871,40
15 $2.974.886.871,40 $37.186.085,89 $3.012.072.957,29
16 $3.012.072.957,29 $37.650.911,97 $3.049.723.869,26
17 $3.049.723.869,26 $38.121.548,37 $3.087.845.417,62
18 $3.087.845.417,62 $38.598.067,72 $3.126.443.485,34
19 $3.126.443.485,34 $39.080.543,57 $3.165.524.028,91
20 $3.165.524.028,91 $39.569.050,36 $3.205.093.079,27
21 $3.205.093.079,27 $40.063.663,49 $3.245.156.742,76
22 $3.245.156.742,76 $40.564.459,28 $3.285.721.202,05
23 $3.285.721.202,05 $41.071.515,03 $3.326.792.717,07
24 $3.326.792.717,07 $41.584.908,96 $3.368.377.626,04
25 $3.368.377.626,04 $42.104.720,33 $3.410.482.346,36
26 $3.410.482.346,36 $42.631.029,33 $3.453.113.375,69
27 $3.453.113.375,69 $43.163.917,20 $3.496.277.292,89
28 $3.496.277.292,89 $43.703.466,16 $3.539.980.759,05
29 $3.539.980.759,05 $44.249.759,49 $3.584.230.518,54
30 $3.584.230.518,54 $44.802.881,48 $3.629.033.400,02
31 $3.629.033.400,02 $45.362.917,50 $3.674.396.317,52
32 $3.674.396.317,52 $45.929.953,97 $3.720.326.271,49
33 $3.720.326.271,49 $46.504.078,39 $3.766.830.349,88
34 $3.766.830.349,88 $47.085.379,37 $3.813.915.729,25
35 $3.813.915.729,25 $47.673.946,62 $3.861.589.675,87
36 $3.861.589.675,87 $48.269.870,95 $3.909.859.546,82
37 $3.909.859.546,82 $48.873.244,34 $3.958.732.791,15
38 $3.958.732.791,15 $49.484.159,89 $4.008.216.951,04
39 $4.008.216.951,04 $50.102.711,89 $4.058.319.662,93
40 $4.058.319.662,93 $50.728.995,79 $4.109.048.658,72
41 $4.109.048.658,72 $51.363.108,23 $4.160.411.766,95
42 $4.160.411.766,95 $52.005.147,09 $4.212.416.914,04
43 $4.212.416.914,04 $52.655.211,43 $4.265.072.125,46
44 $4.265.072.125,46 $53.313.401,57 $4.318.385.527,03
45 $4.318.385.527,03 $53.979.819,09 $4.372.365.346,12
46 $4.372.365.346,12 $54.654.566,83 $4.427.019.912,95
47 $4.427.019.912,95 $55.337.748,91 $4.482.357.661,86
48 $4.482.357.661,86 $56.029.470,77 $4.538.387.132,63
49 $4.538.387.132,63 $56.729.839,16 $4.595.116.971,79
50 $4.595.116.971,79 $57.438.962,15 $4.652.555.933,94
51 $4.652.555.933,94 $58.156.949,17 $4.710.712.883,11
52 $4.710.712.883,11 $58.883.911,04 $4.769.596.794,15
53 $4.769.596.794,15 $59.619.959,93 $4.829.216.754,08
54 $4.829.216.754,08 $60.365.209,43 $4.889.581.963,50
55 $4.889.581.963,50 $61.119.774,54 $4.950.701.738,05
56 $4.950.701.738,05 $61.883.771,73 $5.012.585.509,77
57 $5.012.585.509,77 $62.657.318,87 $5.075.242.828,64
58 $5.075.242.828,64 $63.440.535,36 $5.138.683.364,00
59 $5.138.683.364,00 $64.233.542,05 $5.202.916.906,05
60 $5.202.916.906,05 $65.036.461,33 $5.267.953.367,38