Unidad N°2 Tablas de amortización

ejercico N° 3: el municipio a tomado un credito para construir un camal, con el banco del estado por el valor de
$300000 con una tasa de interés del 8,52% a.c.s., con un tiempo 5 años. La situacion financiera le concede un
pago de 2 años como tiempo de gracia. El municipio mediante ordenanza cancelara los interes que genere hasta
el inicio del pago. determine el valor semestral que debe cancelar construya la tabla de amortización

Datos:
VA= 300000
j= 8.52%

Tabla de amortización
n SIAP IP R AC SIDP
1 300000.00 12780.00 12780.00 300000.00
2 300000.00 12780.00 12780.00 300000.00
3 300000.00 12780.00 12780.00 300000.00
4 300000.00 12780.00 12780.00 300000.00
5 300000.00 12780.00 37467.57 24687.57 275312.43
6 275312.43 11728.31 37467.57 25739.26 249573.17
7 249573.17 10631.82 37467.57 26835.75 222737.42
8 222737.42 9488.61 37467.57 27978.96 194758.46
9 194758.46 8296.71 37467.57 29170.86 165587.60
10 165587.60 7054.03 37467.57 30413.54 135174.06
11 135174.06 5758.42 37467.57 31709.15 103464.91
12 103464.91 4407.61 37467.57 33059.96 70404.94
13 70404.94 2999.25 37467.57 34468.32 35936.62
14 35936.62 1530.90 37467.57 35936.67 0.05

Ejercicio N° 4: La industria textil ABC a tomado un prestamo a una institucion finanaciera por $500000 el
cual sera cancelado de la siguiente manera: plazo total 10 años. Incluye 3 años de gracia tasa de interes
del 21% a.c.s determine el valor el valor del pago semestral y construya la tabla de amortización

Tabla de amortización
n SIAP IP PAGO ® AC SIDP
1 500000.00 52500.00 552500.00
2 552500.00 58012.50 610512.50
3 610512.50 64103.81 674616.31
4 674616.31 70834.71 745451.03
5 745451.03 78272.36 823723.38
6 823723.38 86490.96 910214.34
7 910214.34 95572.51 126944.48 31371.97 878842.36
 8 878842.36 92278.45 126944.48 34666.03 844176.33
9 844176.33 88638.51 126944.48 38305.97 805870.37
10 805870.37 84616.39 126944.48 42328.09 763542.28
11 763542.28 80171.94 126944.48 46772.54 716769.73
12 716769.73 75260.82 126944.48 51683.66 665086.08
13 665086.08 69834.04 126944.48 57110.44 607975.63
14 607975.63 63837.44 126944.48 63107.04 544868.60
15 544868.60 57211.20 126944.48 69733.28 475135.32
16 475135.32 49889.21 126944.48 77055.27 398080.05
17 398080.05 41798.40 126944.48 85146.08 312933.97
18 312933.97 32858.07 126944.48 94086.41 218847.56
19 218847.56 22978.99 126944.48 103965.49 114882.07
20 114882.07 12062.62 126944.48 114881.86 0.21

Ejercicio N° 5: La asociacion de ganaderos de la sierraa tomado un prestamoa una coorporacion

fiananciera nacional po rle valor de $200000 a 2 años pagos 1 año de gracia a una tasa de interes del
8,60% a.c.t. considere el prestamo que a cancelado con un pago de servicio de deuda. determine el
pago trimestral y construya la tabla de amortizacion

Tabla de amortización
n SIAP IP PAGO ® AC SIDP
1 200000.00 4300.00 4300.00 200000.00
2 200000.00 4300.00 4300.00 200000.00
3 200000.00 4300.00 4300.00 200000.00
4 200000.00 4300.00 4300.00 200000.00
5 200000.00 4300.00 27478.75 23178.75 176821.25
6 176821.25 3801.66 27478.75 23677.09 153144.16
7 153144.16 3292.60 27478.75 24186.15 128958.01
8 128958.01 2772.60 27478.75 24706.15 104251.85
9 104251.85 2241.41 27478.75 25237.34 79014.52
10 79014.52 1698.81 27478.75 25779.94 53234.58
11 53234.58 1144.54 27478.75 26334.21 26900.37
12 26900.37 578.36 27478.75 26900.39 0.02

Amortización anticipada
Ejercicio N° 1: una cooperativa otorga un prestamo por el valor de $100000 a un plazo de 5 aoño 11,50%
acs determine el valor de la cuota semestral que reconoce el deudor vcancelara mediante
anticipadamenteconstruir l atabla de amortizaciones

Tabla de amortización
n SIAP IPV PAGO ® AC SIDP
0 100000.00 11837.05 11837.05 88162.95
 1 88162.95 5069.37 11837.05 6767.68 81395.27 Nota en las anticpadas para la tabla de am
2 81395.27 4680.23 11837.05 7156.82 74238.45
3 74238.45 4268.71 11837.05 7568.34 66670.11
4 66670.11 3833.53 11837.05 8003.52 58666.59
5 58666.59 3373.33 11837.05 8463.72 50202.87
6 50202.87 2886.66 11837.05 8950.39 41252.48
7 41252.48 2372.02 11837.05 9465.03 31787.45
8 31787.45 1827.78 11837.05 10009.27 21778.18
9 21778.18 1252.25 11837.05 10584.80 11193.38
10 11193.38 643.62 11837.05 11193.43 -0.06

Ejercicio N° 2: una peluqueria solicita un credito por el valor de $50650 a un plazo de 3 años se compromete a pagar cuotas tri

Tabla de amortización
n SIAP IPV PAGO ® AC SIDP
1 50650.00 1119.37 4851.43 3732.07 46917.94
2 46917.94 1036.89 4851.43 3814.54 43103.39
3 43103.39 952.58 4851.43 3898.85 39204.55
4 39204.55 866.42 4851.43 3985.01 35219.54
5 35219.54 778.35 4851.43 4073.08 31146.46
6 31146.46 688.34 4851.43 4163.09 26983.37
7 26983.37 596.33 4851.43 4255.10 22728.27
8 22728.27 502.29 4851.43 4349.14 18379.13
9 18379.13 406.18 4851.43 4445.25 13933.88
10 13933.88 307.94 4851.43 4543.49 9390.39
11 9390.39 207.53 4851.43 4643.90 4746.49
12 4746.49 104.90 4851.43 4746.53 -0.05
7567.11 50650.05

Ejercicio N° 3: una peluqueria solicita un credito por el valor de $50650 a un plazo de 3 años se compromete a pagar cuotas tri

Método Alemán
Un prest6amo fue ap
n SIAP IPV PAGO ® AC SIDP
1 50650.00 1119.37 5340.20 4220.83 46429.17
2 46429.17 1026.08 5246.92 4220.83 42208.34
3 42208.34 932.80 5156.64 4220.83 37987.51
4 37987.51 839.52 5060.35 4220.83 33766.68
5 33766.68 746.24 4967.07 4220.83 29545.85
6 29545.85 652.96 4873.79 4220.83 25325.02
7 25325.02 559.68 4780.51 4220.83 21104.19
8 21104.19 466.40 4687.23 4220.83 16883.36
 9 16883.36 373.12 4593.95 4220.83 12662.53
10 12662.53 279.84 4500.67 4220.83 8441.70
11 8441.70 186.56 4407.39 4220.83 4220.87
12 4220.87 93.28 4314.11 4220.83 0.04
7275.88 50649.96

Ejercico N° 4: se adquiere un departamento por el valor de $200000 a una tasa de interes del 11
,30% a.c.m a un plazo de 5 años: las cuotas se cancelaran trimestralmente Determine la cuota y consstruya la tabla de amortiz

Tabla de amortización
n SIAP IPV PAGO ® AC SIDP
1 200000 5700 13257.4 7557.4 192442.6
2 192442.6 5484.6141 13257.4 7772.7859 184669.8141
3 184669.8141 5263.089702 13257.4 7994.310298 176675.5038
….
17 37608.44
18 37608.44 1071.84054 13257.4 12185.55946 25422.88054
19 25422.88054 724.5520954 13257.4 12532.8479 12890.03264
20 12890.03264 367.3659301 13257.4 12890.03407 0.00

Se adquire una casa por el valor de $10500 con un pago inicial del 35% el saldo se cancelara en cuotas mensuales durante 9 ao
se solicita:
determinar el valor del pago mensula
construya las tabla de amortizacion de los 5 periodos y los ultimos 5 periodos
al preiodod 57 determinar derechos del deudor y acreedor

Datos: 𝑖^′=[(1+𝑖)^(𝑚/𝑚′)−1]∗100
VA= $105000
〖𝑉𝐴〗 _𝑘= 𝑅[1−( 〖 1+𝑖′) 〗 ^(−(𝑛−𝑘)) ]/𝑖′
P inicial 35% = $36750 𝑖^′=[(1+11/200)^(2/12)−1]∗100
n= 9*12= 108 meses
j= 11% a.c.s 〖𝑉𝐴〗 _57= 986,18[1−( 〖 1+0,0089) 〗 ^(−(108−57)) ]/(𝑖
𝑖=11/200 i'= 0,89% mensual

R= ? 𝑅= (𝑉𝐴∗𝑖′)/[1−( 〖 1+𝑖′) 〗 ^(−𝑛) ]

〖𝑉𝐴〗 _57=40286,80
VA= $68250

𝑅= (68250∗0,0089)/[1−( 〖 1+0,0089) 〗 ^(−108) ]

𝑅=$986, 18
 Tabla de amortización
n SIAP IPV PAGO ® AC SIDP
1 105000 934.5 986.18 51.68 104948.32
2 104948.32 934.040048 986.18 52.139952 104896.18
3 104896.18 933.5760024 986.18 52.60399757 104843.5761
4 104843.5761 933.1078268 986.18 53.07217315 104790.5039
5 104790.5039 932.6354845 986.18 53.54451549 104736.9594
,,
104
105
106
107
108

Ejercicio Junio 8
Una empresa adquiere un terreno en el parque industrial por el valor de $ 250000 con la
fiananciera acuerda:
-Pago inicial en claidad de abono 35%
-cancelación de la deuda 6 años
-cuota es trimestral
-tasa deinteres 17,30% tasa efectiva
-se solicita determinar la cuota trimestral
-construya la tabla de amortización método sistem frances y alemán
-Derechos del deudor periodo 17

Datos: 𝑖^′=[(1+𝑖)^(𝑚/𝑚′)−1]∗100
〖𝑉𝐴〗 _𝑘= 𝑅[1−( 〖 1+𝑖′) 〗 ^(−(𝑛−𝑘)) ]/
terreno 250000
abono 35% 87500 𝑖^′=[(1+17,30/100)^(1/4)−1]∗100
total 162500 VA 〖𝑉𝐴〗 _17= 10723,43[1−( 〖 1+4,06/100) 〗 ^(−(2
t= 6 años
n= 6 * 4= 24 trimestres 𝑖^′=4,06% 𝑡𝑟𝑖𝑚𝑒𝑠𝑡𝑟𝑎𝑙
j= 17,30% efectiva 〖𝑉𝐴〗 _17=$ 64220,14
𝑖=17,30/100 𝑅= (𝑉𝐴∗𝑖′)/[1−( 〖 1+𝑖′) 〗 ^(−𝑛) ]

R= ? Derechos del deudor

162500.00
𝑅= (162500∗4,06/100)/[1−( 〖 1+4,06/100) 〗 ^(−24) ]
64220.14
 98279.86

𝑅=$10723,43

Método Francés

n SIAP PIV R pagos AC SIDP

1 250000.00 10150.00 10723.43 573.43 249426.57
2 249426.57 10126.72 10723.43 596.71 248829.86
3 248829.86 10102.49 10723.43 620.94 248208.92
4 248208.92 10077.28 10723.43 646.15 247562.77
5 247562.77 10051.05 10723.43 672.38 246890.39
6 246890.39 10023.75 10723.43 699.68 246190.71
7 246190.71 9995.34 10723.43 728.09 245462.62
8 245462.62 9965.78 10723.43 757.65 244704.98
9 244704.98 9935.02 10723.43 788.41 243916.57
10 243916.57 9903.01 10723.43 820.42 243096.15
11 243096.15 9869.70 10723.43 853.73 242242.43
12 242242.43 9835.04 10723.43 888.39 241354.04
13 241354.04 9798.97 10723.43 924.46 240429.58
14 240429.58 9761.44 10723.43 961.99 239467.59
15 239467.59 9722.38 10723.43 1001.05 238466.55
16 238466.55 9681.74 10723.43 1041.69 237424.86
17 237424.86 9639.45 10723.43 1083.98 236340.88
18 236340.88 9595.44 10723.43 1127.99 235212.89
19 235212.89 9549.64 10723.43 1173.79 234039.10
20 234039.10 9501.99 10723.43 1221.44 232817.66
21 232817.66 9452.40 10723.43 1271.03 231546.63
22 231546.63 9400.79 10723.43 1322.64 230223.99
23 230223.99 9347.09 10723.43 1376.34 228847.65
24 228847.65 9291.21 10723.43 1432.22 227415.44
por el valor de
concede un
ue genere hasta
ión
ticpadas para la tabla de amortizacion en el primer pago no va el interes

mpromete a pagar cuotas trimestrales a una tasa del 9,15% efectiva Determinar el valor de la cuota trimestral y realizar la tabla de amortiz

mpromete a pagar cuotas trimestrales a una tasa del 9,15% efectiva Determinar el valor de la cuota trimestral y realizar la tabla de amortiz
onsstruya la tabla de amortizacion de los 3 primeros periodos y ultimos 3 periodos: Al periodo 8 determine los derechos del deudor

otas mensuales durante 9 aos con una rtasa anual del 11% acs

〗 ^(−(𝑛−𝑘)) ]/𝑖′

089) 〗 ^(−(108−57)) ]/(𝑖^′ 0,0089)

Derechos del deudor

68250
 40286.8 36750
27963.2 64713.2 61.63 porcentaje dercho del deudor

( 〖 1+𝑖′) 〗 ^(−(𝑛−𝑘)) ]/𝑖′

( 〖 1+4,06/100) 〗 ^(−(24−17)) ]/(4,06/100)

=$ 64220,14

87500.00
porcentaje dercho
del deudor
 porcentaje dercho
185779.86 74.31 del deudor
tral y realizar la tabla de amortizaciones

tral y realizar la tabla de amortizaciones. Metodo sistema alemán

los derechos del deudor
 Un artesano tomo un prestao por $15000 los cuales esta cancelando mediante pagos mensuales de
$320 al fianl de cada mes si la tasa de interés es del 11,20% a.c.t. ¿Cuántos pagos mensuales completos
tiene que realizar
ff
R R
R R
Datos:

VA= $15000 V 1 2 3 n
R= $320 mensuales A -
j= 11,20% act 1
𝑖=11,20/400 𝑖^′=[(1+𝑖)^(𝑚/𝑚′)−1]∗100

𝑖^′=[(1+11,20/400)^(4/12)−1]∗100
n= ?

i'= 0,92% mensual

𝑛=−𝑙𝑜𝑔(1−(𝑉𝐴∗𝑖′)/𝑅)/𝑙𝑜𝑔(1+𝑖′)

𝑛=−𝑙𝑜𝑔(1−(15000∗0,0092′)/320)/𝑙𝑜𝑔(1+0,092)

𝑛=61,62
 les de
completos

R
R

n n
-
1
 Ejercicio N° 1: Julio 8
Una empresa adquiere un terreno en el parque industrial por el valor de $ 250000 con
la fiananciera acuerda:
-Pago inicial en claidad de abono 35%
-cancelación de la deuda 6 años
-cuota es trimestral
-tasa deinteres 17,30% tasa efectiva
-se solicita determinar la cuota trimestral
-construya la tabla de amortización método sistem frances y alemán
-Derechos del deudor periodo 17

Datos: 𝑖^′=[(1+𝑖)^(𝑚/𝑚′)−1]∗100
terreno 250000
abono 35% 87500 𝑖^′=[(1+17,30/100)^(1/4)−1]∗100
〖𝑆𝐼〗 _17=𝑅[1−( 〖
total 162500 VA ^(−(𝑛−𝑘)) ]/𝑖′
t= 6 años
n= 6 * 4= 24 trimestres 𝑖^′=4,06% 𝑡𝑟𝑖𝑚𝑒𝑠𝑡𝑟𝑎𝑙
〖𝑆𝐼〗 _17=10723,43[1
j= 17,30% efectiva
( 〖 1+0,0406) 〗 ^(−(
𝑖=17,30/100 𝑅= (𝑉𝐴∗𝑖′)/[1−( 〖 1+𝑖′) 〗 ^(−𝑛) ]
〖𝑆𝐼〗 _17=64220,14
R= ?
𝑅= (162500∗4,06/100)/[1−( 〖 1+4,06/100) 〗 ^(−24) ]

𝑅=$10723,43

Método Francés

Periodo SIAP PIV R pagos AC SIDP Periodo

1 162500.00 6597.50 10723.43 4125.93 158374.07 1
2 158374.07 6429.99 10723.43 4293.44 154080.63 2
3 154080.63 6255.67 10723.43 4467.76 149612.87 3
4 149612.87 6074.28 10723.43 4649.15 144963.72 4
5 144963.72 5885.53 10723.43 4837.90 140125.82 5
6 140125.82 5689.11 10723.43 5034.32 135091.50 6
7 135091.50 5484.71 10723.43 5238.72 129852.78 7
8 129852.78 5272.02 10723.43 5451.41 124401.38 8
9 124401.38 5050.70 10723.43 5672.73 118728.64 9
10 118728.64 4820.38 10723.43 5903.05 112825.60 10
11 112825.60 4580.72 10723.43 6142.71 106682.88 11
12 106682.88 4331.33 10723.43 6392.10 100290.78 12
13 100290.78 4071.81 10723.43 6651.62 93639.16 13
 14 93639.16 3801.75 10723.43 6921.68 86717.48 14
15 86717.48 3520.73 10723.43 7202.70 79514.77 15
16 79514.77 3228.30 10723.43 7495.13 72019.64 16
17 72019.64 2924.00 10723.43 7799.43 64220.21 17
18 64220.21 2607.34 10723.43 8116.09 56104.12 18
19 56104.12 2277.83 10723.43 8445.60 47658.52 19
20 47658.52 1934.94 10723.43 8788.49 38870.03 20
21 38870.03 1578.12 10723.43 9145.31 29724.72 21
22 29724.72 1206.82 10723.43 9516.61 20208.11 22
23 20208.11 820.45 10723.43 9902.98 10305.13 23
24 10305.13 418.39 10723.43 10305.04 0.09 24

Ejercicio N° 2: Julio 8

Un prestamo fue aprobado por $50000 a una institucion fiananciera a una tasa de interes
del 12%a.c.m
El deudor esta en condiciones de cancelar cuotas de $890
Determine el numero de periodos en el cual cancelara su obligación
obtenido el valor Redondee el valor obtenido y ajuste la anualidad
construya la tabla de amortizacion método francés y alemán

ajuste de la anualidad
Datos: 𝑛=−𝑙𝑜𝑔(1−(𝑉𝐴∗𝑖)/𝑅)/𝑙𝑜𝑔(1+𝑖) 𝑅= (𝑉𝐴∗𝑖′)/[1−( 〖 1+𝑖′) 〗 ^(−𝑛) ]
VA= $50,000
j= 12$ a.c.m
𝑖=12/1200 𝑅= (50000∗12/1200)/[1−( 〖 1+12/1200) 〗 ^(−83) ]
𝑛=−𝑙𝑜𝑔(1−(50000∗12/1200)/890)/𝑙𝑜𝑔(1+12/1200)

n= ?
R= $890
𝑛=82,92=83 𝑝𝑒𝑟𝑜𝑑𝑜𝑠 𝑚𝑒𝑛𝑠𝑢𝑎𝑙𝑒𝑠 𝑅=889,44

Método Francés

n SIAP PIV R pagos AC SIDP n

1 50000.00 500.00 889.44 389.44 49610.56 1
2 49610.56 496.11 889.44 393.33 49217.23 2
3 49217.23 492.17 889.44 397.27 48819.96 3
4 48819.96 488.20 889.44 401.24 48418.72 4
5 48418.72 484.19 889.44 405.25 48013.46 5
6 48013.46 480.13 889.44 409.31 47604.16 6
 7 47604.16 476.04 889.44 413.40 47190.76 7
8 47190.76 471.91 889.44 417.53 46773.23 8
9 46773.23 467.73 889.44 421.71 46351.52 9
10 46351.52 463.52 889.44 425.92 45925.60 10
11 45925.60 459.26 889.44 430.18 45495.41 11
12 45495.41 454.95 889.44 434.49 45060.93 12
13 45060.93 450.61 889.44 438.83 44622.10 13
14 44622.10 446.22 889.44 443.22 44178.88 14
15 44178.88 441.79 889.44 447.65 43731.23 15
16 43731.23 437.31 889.44 452.13 43279.10 16
17 43279.10 432.79 889.44 456.65 42822.45 17
18 42822.45 428.22 889.44 461.22 42361.23 18
19 42361.23 423.61 889.44 465.83 41895.41 19
20 41895.41 418.95 889.44 470.49 41424.92 20
21 41424.92 414.25 889.44 475.19 40949.73 21
22 40949.73 409.50 889.44 479.94 40469.79 22
23 40469.79 404.70 889.44 484.74 39985.04 23
24 39985.04 399.85 889.44 489.59 39495.45 24
25 39495.45 394.95 889.44 494.49 39000.97 25
26 39000.97 390.01 889.44 499.43 38501.54 26
27 38501.54 385.02 889.44 504.42 37997.11 27
28 37997.11 379.97 889.44 509.47 37487.64 28
29 37487.64 374.88 889.44 514.56 36973.08 29
30 36973.08 369.73 889.44 519.71 36453.37 30
31 36453.37 364.53 889.44 524.91 35928.47 31
32 35928.47 359.28 889.44 530.16 35398.31 32
33 35398.31 353.98 889.44 535.46 34862.85 33
34 34862.85 348.63 889.44 540.81 34322.04 34
35 34322.04 343.22 889.44 546.22 33775.82 35
36 33775.82 337.76 889.44 551.68 33224.14 36
37 33224.14 332.24 889.44 557.20 32666.94 37
38 32666.94 326.67 889.44 562.77 32104.17 38
39 32104.17 321.04 889.44 568.40 31535.77 39
40 31535.77 315.36 889.44 574.08 30961.69 40
41 30961.69 309.62 889.44 579.82 30381.87 41
42 30381.87 303.82 889.44 585.62 29796.25 42
43 29796.25 297.96 889.44 591.48 29204.77 43
44 29204.77 292.05 889.44 597.39 28607.38 44
45 28607.38 286.07 889.44 603.37 28004.01 45
46 28004.01 280.04 889.44 609.40 27394.61 46
47 27394.61 273.95 889.44 615.49 26779.12 47
48 26779.12 267.79 889.44 621.65 26157.47 48
49 26157.47 261.57 889.44 627.87 25529.60 49
50 25529.60 255.30 889.44 634.14 24895.46 50
51 24895.46 248.95 889.44 640.49 24254.97 51
52 24254.97 242.55 889.44 646.89 23608.08 52
53 23608.08 236.08 889.44 653.36 22954.72 53
54 22954.72 229.55 889.44 659.89 22294.83 54
55 22294.83 222.95 889.44 666.49 21628.34 55
56 21628.34 216.28 889.44 673.16 20955.18 56
57 20955.18 209.55 889.44 679.89 20275.29 57
58 20275.29 202.75 889.44 686.69 19588.61 58
59 19588.61 195.89 889.44 693.55 18895.05 59
60 18895.05 188.95 889.44 700.49 18194.56 60
61 18194.56 181.95 889.44 707.49 17487.07 61
62 17487.07 174.87 889.44 714.57 16772.50 62
63 16772.50 167.73 889.44 721.71 16050.79 63
64 16050.79 160.51 889.44 728.93 15321.85 64
65 15321.85 153.22 889.44 736.22 14585.63 65
66 14585.63 145.86 889.44 743.58 13842.05 66
67 13842.05 138.42 889.44 751.02 13091.03 67
68 13091.03 130.91 889.44 758.53 12332.50 68
69 12332.50 123.32 889.44 766.12 11566.38 69
70 11566.38 115.66 889.44 773.78 10792.61 70
71 10792.61 107.93 889.44 781.51 10011.09 71
72 10011.09 100.11 889.44 789.33 9221.76 72
73 9221.76 92.22 889.44 797.22 8424.54 73
74 8424.54 84.25 889.44 805.19 7619.35 74
75 7619.35 76.19 889.44 813.25 6806.10 75
76 6806.10 68.06 889.44 821.38 5984.72 76
77 5984.72 59.85 889.44 829.59 5155.13 77
78 5155.13 51.55 889.44 837.89 4317.24 78
79 4317.24 43.17 889.44 846.27 3470.97 79
80 3470.97 34.71 889.44 854.73 2616.24 80
81 2616.24 26.16 889.44 863.28 1752.97 81
82 1752.97 17.53 889.44 871.91 881.05 82
83 881.05 8.81 889.44 880.63 0.43 83
 Derechos del deudor
〖𝑆𝐼〗 _17=𝑅[1−( 〖 1+𝑖′) 〗
^(−(𝑛−𝑘)) ]/𝑖′ 162,500.00
64,220.14
98,279.86 87,500.00 185,779.86
〖𝑆𝐼〗 _17=10723,43[1−
( 〖 1+0,0406) 〗 ^(−(24−17)) ]/0,0406

〖𝑆𝐼〗 _17=64220,14

Método Alemán

SIAP PIV R pagos AC SIDP

162500.00 6597.50 13368.33 6770.83 155729.17
155729.17 6322.60 13093.44 6770.83 148958.33
148958.33 6047.71 12818.54 6770.83 142187.50
142187.50 5772.81 12543.65 6770.83 135416.67
135416.67 5497.92 12268.75 6770.83 128645.83
128645.83 5223.02 11993.85 6770.83 121875.00
121875.00 4948.13 11718.96 6770.83 115104.17
115104.17 4673.23 11444.06 6770.83 108333.33
108333.33 4398.33 11169.17 6770.83 101562.50
101562.50 4123.44 10894.27 6770.83 94791.67
94791.67 3848.54 10619.38 6770.83 88020.83
88020.83 3573.65 10344.48 6770.83 81250.00
81250.00 3298.75 10069.58 6770.83 74479.17
 74479.17 3023.85 9794.69 6770.83 67708.33
67708.33 2748.96 9519.79 6770.83 60937.50
60937.50 2474.06 9244.90 6770.83 54166.67
54166.67 2199.17 8970.00 6770.83 47395.83
47395.83 1924.27 8695.10 6770.83 40625.00
40625.00 1649.38 8420.21 6770.83 33854.17
33854.17 1374.48 8145.31 6770.83 27083.33
27083.33 1099.58 7870.42 6770.83 20312.50
20312.50 824.69 7595.52 6770.83 13541.67
13541.67 549.79 7320.63 6770.83 6770.83
6770.83 274.90 7045.73 6770.83 0.00

+𝑖′) 〗 ^(−𝑛) ]

〖 1+12/1200) 〗 ^(−83) ]

Método Alemán

SIAP PIV R pagos AC SIDP

50000.00 500.00 1102.41 602.41 49397.59
49397.59 493.98 1096.39 602.41 48795.18
48795.18 487.95 1090.36 602.41 48192.77
48192.77 481.93 1084.34 602.41 47590.36
47590.36 475.90 1078.31 602.41 46987.95
46987.95 469.88 1072.29 602.41 46385.54
46385.54 463.86 1066.27 602.41 45783.13
45783.13 457.83 1060.24 602.41 45180.72
45180.72 451.81 1054.22 602.41 44578.31
44578.31 445.78 1048.19 602.41 43975.90
43975.90 439.76 1042.17 602.41 43373.49
43373.49 433.73 1036.14 602.41 42771.08
42771.08 427.71 1030.12 602.41 42168.67
42168.67 421.69 1024.10 602.41 41566.27
41566.27 415.66 1018.07 602.41 40963.86
40963.86 409.64 1012.05 602.41 40361.45
40361.45 403.61 1006.02 602.41 39759.04
39759.04 397.59 1000.00 602.41 39156.63
39156.63 391.57 993.98 602.41 38554.22
38554.22 385.54 987.95 602.41 37951.81
37951.81 379.52 981.93 602.41 37349.40
37349.40 373.49 975.90 602.41 36746.99
36746.99 367.47 969.88 602.41 36144.58
36144.58 361.45 963.86 602.41 35542.17
35542.17 355.42 957.83 602.41 34939.76
34939.76 349.40 951.81 602.41 34337.35
34337.35 343.37 945.78 602.41 33734.94
33734.94 337.35 939.76 602.41 33132.53
33132.53 331.33 933.73 602.41 32530.12
32530.12 325.30 927.71 602.41 31927.71
31927.71 319.28 921.69 602.41 31325.30
31325.30 313.25 915.66 602.41 30722.89
30722.89 307.23 909.64 602.41 30120.48
30120.48 301.20 903.61 602.41 29518.07
29518.07 295.18 897.59 602.41 28915.66
28915.66 289.16 891.57 602.41 28313.25
28313.25 283.13 885.54 602.41 27710.84
27710.84 277.11 879.52 602.41 27108.43
27108.43 271.08 873.49 602.41 26506.02
26506.02 265.06 867.47 602.41 25903.61
25903.61 259.04 861.45 602.41 25301.20
25301.20 253.01 855.42 602.41 24698.80
24698.80 246.99 849.40 602.41 24096.39
24096.39 240.96 843.37 602.41 23493.98
23493.98 234.94 837.35 602.41 22891.57
22891.57 228.92 831.33 602.41 22289.16
22289.16 222.89 825.30 602.41 21686.75
21686.75 216.87 819.28 602.41 21084.34
21084.34 210.84 813.25 602.41 20481.93
20481.93 204.82 807.23 602.41 19879.52
19879.52 198.80 801.20 602.41 19277.11
19277.11 192.77 795.18 602.41 18674.70
18674.70 186.75 789.16 602.41 18072.29
18072.29 180.72 783.13 602.41 17469.88
17469.88 174.70 777.11 602.41 16867.47
16867.47 168.67 771.08 602.41 16265.06
16265.06 162.65 765.06 602.41 15662.65
15662.65 156.63 759.04 602.41 15060.24
15060.24 150.60 753.01 602.41 14457.83
14457.83 144.58 746.99 602.41 13855.42
13855.42 138.55 740.96 602.41 13253.01
13253.01 132.53 734.94 602.41 12650.60
12650.60 126.51 728.92 602.41 12048.19
12048.19 120.48 722.89 602.41 11445.78
11445.78 114.46 716.87 602.41 10843.37
10843.37 108.43 710.84 602.41 10240.96
10240.96 102.41 704.82 602.41 9638.55
9638.55 96.39 698.80 602.41 9036.14
9036.14 90.36 692.77 602.41 8433.73
8433.73 84.34 686.75 602.41 7831.33
7831.33 78.31 680.72 602.41 7228.92
7228.92 72.29 674.70 602.41 6626.51
6626.51 66.27 668.67 602.41 6024.10
6024.10 60.24 662.65 602.41 5421.69
5421.69 54.22 656.63 602.41 4819.28
4819.28 48.19 650.60 602.41 4216.87
4216.87 42.17 644.58 602.41 3614.46
3614.46 36.14 638.55 602.41 3012.05
3012.05 30.12 632.53 602.41 2409.64
2409.64 24.10 626.51 602.41 1807.23
1807.23 18.07 620.48 602.41 1204.82
1204.82 12.05 614.46 602.41 602.41
602.41 6.02 608.43 602.41 0.00
74.31% Derechos del deudor
25.69 Derechos del acreedor
 Una empresa valor de $50000 con una tasa de interés del
13% a.c.t., el plazo del crédito es de 5 años. Determine el
valor del pago trimestral

Datos: Cliente Empresa ABCD

Crédito 50000
Tasa 13%
Capitalizacón 4
Plazo 5 años
Periodos 20
Cuota $3,438.94

Tabla de amortizaciones

Perídodo SIAP IPV Pagos R AC SIDP

1 50,000.00 1,625.00 3,438.94 1,813.94 48,186.06
2 48,186.06 1,566.05 3,438.94 1,872.90 46,313.16
3 46,313.16 1,505.18 3,438.94 1,933.77 44,379.39
4 44,379.39 1,442.33 3,438.94 1,996.61 42,382.78
5 42,382.78 1,377.44 3,438.94 2,061.50 40,321.27
6 40,321.27 1,310.44 3,438.94 2,128.50 38,192.77
7 38,192.77 1,241.27 3,438.94 2,197.68 35,995.09
8 35,995.09 1,169.84 3,438.94 2,269.10 33,725.99
9 33,725.99 1,096.09 3,438.94 2,342.85 31,383.14
10 31,383.14 1,019.95 3,438.94 2,418.99 28,964.15
11 28,964.15 941.33 3,438.94 2,497.61 26,466.54
12 26,466.54 860.16 3,438.94 2,578.78 23,887.76
13 23,887.76 776.35 3,438.94 2,662.59 21,225.16
14 21,225.16 689.82 3,438.94 2,749.13 18,476.04
15 18,476.04 600.47 3,438.94 2,838.47 15,637.56
16 15,637.56 508.22 3,438.94 2,930.72 12,706.84
17 12,706.84 412.97 3,438.94 3,025.97 9,680.87
18 9,680.87 314.63 3,438.94 3,124.32 6,556.55
19 6,556.55 213.09 3,438.94 3,225.86 3,330.70
20 3,330.70 108.25 3,438.94 3,330.70 -
18,778.88 50,000.00
)

La cooperativa Horizontes realiza un prestamo por el valor $60000 acuerda

cancelar cuotas mensuales por un plazo de 6 años, con una tasa de interés del
11% a.c.m el valor de la cuota mensual y construya la tabla de amortizaciones
Cliente Martha Cjas
Crédito 60000
Tasa 11%
Capitalizacón 12
Plazo 6
Periodos 72
Cuota $1,142.04

Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 60,000.00 0.92% 550.00 1,142.04 592.04 59,407.96
2 59,407.96 0.92% 544.57 1,142.04 597.47 58,810.48
3 58,810.48 0.92% 539.10 1,142.04 602.95 58,207.53
4 58,207.53 0.92% 533.57 1,142.04 608.48 57,599.06
5 57,599.06 0.92% 527.99 1,142.04 614.05 56,985.01
6 56,985.01 0.92% 522.36 1,142.04 619.68 56,365.32
7 56,365.32 0.92% 516.68 1,142.04 625.36 55,739.96
8 55,739.96 0.92% 510.95 1,142.04 631.10 55,108.87
9 55,108.87 0.92% 505.16 1,142.04 636.88 54,471.99
10 54,471.99 0.92% 499.33 1,142.04 642.72 53,829.27
11 53,829.27 0.92% 493.43 1,142.04 648.61 53,180.66
12 53,180.66 0.92% 487.49 1,142.04 654.56 52,526.10
13 52,526.10 0.92% 481.49 1,142.04 660.56 51,865.55
14 51,865.55 0.92% 475.43 1,142.04 666.61 51,198.94
15 51,198.94 0.92% 469.32 1,142.04 672.72 50,526.22
16 50,526.22 0.92% 463.16 1,142.04 678.89 49,847.33
17 49,847.33 0.92% 456.93 1,142.04 685.11 49,162.22
18 49,162.22 0.92% 450.65 1,142.04 691.39 48,470.83
19 48,470.83 0.92% 444.32 1,142.04 697.73 47,773.10
20 47,773.10 0.92% 437.92 1,142.04 704.12 47,068.97
21 47,068.97 0.92% 431.47 1,142.04 710.58 46,358.39
22 46,358.39 0.92% 424.95 1,142.04 717.09 45,641.30
23 45,641.30 0.92% 418.38 1,142.04 723.67 44,917.63
24 44,917.63 0.92% 411.74 1,142.04 730.30 44,187.33
25 44,187.33 0.92% 405.05 1,142.04 736.99 43,450.34
26 43,450.34 0.92% 398.29 1,142.04 743.75 42,706.59
27 42,706.59 0.92% 391.48 1,142.04 750.57 41,956.02
28 41,956.02 0.92% 384.60 1,142.04 757.45 41,198.57
29 41,198.57 0.92% 377.65 1,142.04 764.39 40,434.18
30 40,434.18 0.92% 370.65 1,142.04 771.40 39,662.79
31 39,662.79 0.92% 363.58 1,142.04 778.47 38,884.32
32 38,884.32 0.92% 356.44 1,142.04 785.61 38,098.71
33 38,098.71 0.92% 349.24 1,142.04 792.81 37,305.90
34 37,305.90 0.92% 341.97 1,142.04 800.07 36,505.83
 35 36,505.83 0.92% 334.64 1,142.04 807.41 35,698.42
36 35,698.42 0.92% 327.24 1,142.04 814.81 34,883.61
37 34,883.61 0.92% 319.77 1,142.04 822.28 34,061.33
38 34,061.33 0.92% 312.23 1,142.04 829.82 33,231.52
39 33,231.52 0.92% 304.62 1,142.04 837.42 32,394.10
40 32,394.10 0.92% 296.95 1,142.04 845.10 31,549.00
41 31,549.00 0.92% 289.20 1,142.04 852.85 30,696.15
42 30,696.15 0.92% 281.38 1,142.04 860.66 29,835.49
43 29,835.49 0.92% 273.49 1,142.04 868.55 28,966.94
44 28,966.94 0.92% 265.53 1,142.04 876.51 28,090.42
45 28,090.42 0.92% 257.50 1,142.04 884.55 27,205.87
46 27,205.87 0.92% 249.39 1,142.04 892.66 26,313.21
47 26,313.21 0.92% 241.20 1,142.04 900.84 25,412.37
48 25,412.37 0.92% 232.95 1,142.04 909.10 24,503.28
49 24,503.28 0.92% 224.61 1,142.04 917.43 23,585.84
50 23,585.84 0.92% 216.20 1,142.04 925.84 22,660.00
51 22,660.00 0.92% 207.72 1,142.04 934.33 21,725.68
52 21,725.68 0.92% 199.15 1,142.04 942.89 20,782.78
53 20,782.78 0.92% 190.51 1,142.04 951.54 19,831.25
54 19,831.25 0.92% 181.79 1,142.04 960.26 18,870.99
55 18,870.99 0.92% 172.98 1,142.04 969.06 17,901.93
56 17,901.93 0.92% 164.10 1,142.04 977.94 16,923.98
57 16,923.98 0.92% 155.14 1,142.04 986.91 15,937.08
58 15,937.08 0.92% 146.09 1,142.04 995.95 14,941.12
59 14,941.12 0.92% 136.96 1,142.04 1,005.08 13,936.04
60 13,936.04 0.92% 127.75 1,142.04 1,014.30 12,921.74
61 12,921.74 0.92% 118.45 1,142.04 1,023.60 11,898.14
62 11,898.14 0.92% 109.07 1,142.04 1,032.98 10,865.17
63 10,865.17 0.92% 99.60 1,142.04 1,042.45 9,822.72
64 9,822.72 0.92% 90.04 1,142.04 1,052.00 8,770.71
65 8,770.71 0.92% 80.40 1,142.04 1,061.65 7,709.07
66 7,709.07 0.92% 70.67 1,142.04 1,071.38 6,637.69
67 6,637.69 0.92% 60.85 1,142.04 1,081.20 5,556.49
68 5,556.49 0.92% 50.93 1,142.04 1,091.11 4,465.38
69 4,465.38 0.92% 40.93 1,142.04 1,101.11 3,364.27
70 3,364.27 0.92% 30.84 1,142.04 1,111.21 2,253.06
71 2,253.06 0.92% 20.65 1,142.04 1,121.39 1,131.67
72 1,131.67 0.92% 10.37 1,142.04 1,131.67 -0.00

la familia alquila un departamento por el valor de $105000

canceló en calida de abono pago inicial el 30%, el saldo
acuerda cancelar mediante cuotas mensuales a 10 años plazo.
La tasa de interés que le cobra la institucion financiera es del
11,20% a.c.m.. Determine el valor de la cuota, utilizando la
función PAGO. Construya la tabla de amortización. Incorpore
la columna tasa de interés, halle la cuota con el comando
buscar objetivo.
 la familia alquila un departamento por el valor de $105000
canceló en calida de abono pago inicial el 30%, el saldo
acuerda cancelar mediante cuotas mensuales a 10 años plazo.
La tasa de interés que le cobra la institucion financiera es del
11,20% a.c.m.. Determine el valor de la cuota, utilizando la
función PAGO. Construya la tabla de amortización. Incorpore
la columna tasa de interés, halle la cuota con el comando
buscar objetivo.

Departament 105000
Abono 30% 31500
Saldo 73500
Cliente XXX
Crédito 73500
Tasa 11.20%
Capitalizacón 12
Plazo 10 años
Periodos 120
Cuota $1,020.80

Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 73,500.00 0.93% 686.00 1,020.80 334.80 73,165.20
2 73,165.20 0.93% 682.88 1,020.80 337.93 72,827.27
3 72,827.27 0.93% 679.72 1,020.80 341.08 72,486.19
4 72,486.19 0.93% 676.54 1,020.80 344.26 72,141.93
5 72,141.93 0.93% 673.32 1,020.80 347.48 71,794.45
6 71,794.45 0.93% 670.08 1,020.80 350.72 71,443.73
7 71,443.73 0.93% 666.81 1,020.80 353.99 71,089.74
8 71,089.74 0.93% 663.50 1,020.80 357.30 70,732.44
9 70,732.44 0.93% 660.17 1,020.80 360.63 70,371.81
10 70,371.81 0.93% 656.80 1,020.80 364.00 70,007.81
11 70,007.81 0.93% 653.41 1,020.80 367.40 69,640.42
12 69,640.42 0.93% 649.98 1,020.80 370.82 69,269.59
13 69,269.59 0.93% 646.52 1,020.80 374.29 68,895.31
14 68,895.31 0.93% 643.02 1,020.80 377.78 68,517.53
15 68,517.53 0.93% 639.50 1,020.80 381.30 68,136.22
16 68,136.22 0.93% 635.94 1,020.80 384.86 67,751.36
17 67,751.36 0.93% 632.35 1,020.80 388.46 67,362.90
18 67,362.90 0.93% 628.72 1,020.80 392.08 66,970.82
19 66,970.82 0.93% 625.06 1,020.80 395.74 66,575.08
20 66,575.08 0.93% 621.37 1,020.80 399.43 66,175.65
21 66,175.65 0.93% 617.64 1,020.80 403.16 65,772.49
22 65,772.49 0.93% 613.88 1,020.80 406.92 65,365.56
23 65,365.56 0.93% 610.08 1,020.80 410.72 64,954.84
24 64,954.84 0.93% 606.25 1,020.80 414.56 64,540.28
25 64,540.28 0.93% 602.38 1,020.80 418.43 64,121.86
26 64,121.86 0.93% 598.47 1,020.80 422.33 63,699.53
27 63,699.53 0.93% 594.53 1,020.80 426.27 63,273.25
28 63,273.25 0.93% 590.55 1,020.80 430.25 62,843.00
29 62,843.00 0.93% 586.53 1,020.80 434.27 62,408.74
30 62,408.74 0.93% 582.48 1,020.80 438.32 61,970.42
31 61,970.42 0.93% 578.39 1,020.80 442.41 61,528.01
32 61,528.01 0.93% 574.26 1,020.80 446.54 61,081.47
33 61,081.47 0.93% 570.09 1,020.80 450.71 60,630.76
34 60,630.76 0.93% 565.89 1,020.80 454.91 60,175.84
35 60,175.84 0.93% 561.64 1,020.80 459.16 59,716.68
36 59,716.68 0.93% 557.36 1,020.80 463.45 59,253.24
37 59,253.24 0.93% 553.03 1,020.80 467.77 58,785.47
38 58,785.47 0.93% 548.66 1,020.80 472.14 58,313.33
39 58,313.33 0.93% 544.26 1,020.80 476.54 57,836.78
40 57,836.78 0.93% 539.81 1,020.80 480.99 57,355.79
41 57,355.79 0.93% 535.32 1,020.80 485.48 56,870.31
42 56,870.31 0.93% 530.79 1,020.80 490.01 56,380.30
43 56,380.30 0.93% 526.22 1,020.80 494.59 55,885.72
44 55,885.72 0.93% 521.60 1,020.80 499.20 55,386.51
45 55,386.51 0.93% 516.94 1,020.80 503.86 54,882.65
46 54,882.65 0.93% 512.24 1,020.80 508.56 54,374.09
47 54,374.09 0.93% 507.49 1,020.80 513.31 53,860.78
48 53,860.78 0.93% 502.70 1,020.80 518.10 53,342.68
49 53,342.68 0.93% 497.87 1,020.80 522.94 52,819.74
50 52,819.74 0.93% 492.98 1,020.80 527.82 52,291.93
51 52,291.93 0.93% 488.06 1,020.80 532.74 51,759.18
52 51,759.18 0.93% 483.09 1,020.80 537.72 51,221.47
53 51,221.47 0.93% 478.07 1,020.80 542.73 50,678.73
54 50,678.73 0.93% 473.00 1,020.80 547.80 50,130.93
55 50,130.93 0.93% 467.89 1,020.80 552.91 49,578.02
56 49,578.02 0.93% 462.73 1,020.80 558.07 49,019.95
57 49,019.95 0.93% 457.52 1,020.80 563.28 48,456.66
58 48,456.66 0.93% 452.26 1,020.80 568.54 47,888.12
59 47,888.12 0.93% 446.96 1,020.80 573.85 47,314.28
60 47,314.28 0.93% 441.60 1,020.80 579.20 46,735.08
61 46,735.08 0.93% 436.19 1,020.80 584.61 46,150.47
62 46,150.47 0.93% 430.74 1,020.80 590.06 45,560.41
63 45,560.41 0.93% 425.23 1,020.80 595.57 44,964.83
64 44,964.83 0.93% 419.67 1,020.80 601.13 44,363.71
65 44,363.71 0.93% 414.06 1,020.80 606.74 43,756.97
66 43,756.97 0.93% 408.40 1,020.80 612.40 43,144.56
67 43,144.56 0.93% 402.68 1,020.80 618.12 42,526.44
68 42,526.44 0.93% 396.91 1,020.80 623.89 41,902.56
69 41,902.56 0.93% 391.09 1,020.80 629.71 41,272.84
70 41,272.84 0.93% 385.21 1,020.80 635.59 40,637.26
71 40,637.26 0.93% 379.28 1,020.80 641.52 39,995.74
72 39,995.74 0.93% 373.29 1,020.80 647.51 39,348.23
 73 39,348.23 0.93% 367.25 1,020.80 653.55 38,694.68
74 38,694.68 0.93% 361.15 1,020.80 659.65 38,035.02
75 38,035.02 0.93% 354.99 1,020.80 665.81 37,369.22
76 37,369.22 0.93% 348.78 1,020.80 672.02 36,697.19
77 36,697.19 0.93% 342.51 1,020.80 678.29 36,018.90
78 36,018.90 0.93% 336.18 1,020.80 684.63 35,334.28
79 35,334.28 0.93% 329.79 1,020.80 691.01 34,643.26
80 34,643.26 0.93% 323.34 1,020.80 697.46 33,945.80
81 33,945.80 0.93% 316.83 1,020.80 703.97 33,241.82
82 33,241.82 0.93% 310.26 1,020.80 710.54 32,531.28
83 32,531.28 0.93% 303.63 1,020.80 717.18 31,814.10
84 31,814.10 0.93% 296.93 1,020.80 723.87 31,090.23
85 31,090.23 0.93% 290.18 1,020.80 730.63 30,359.61
86 30,359.61 0.93% 283.36 1,020.80 737.45 29,622.16
87 29,622.16 0.93% 276.47 1,020.80 744.33 28,877.83
88 28,877.83 0.93% 269.53 1,020.80 751.28 28,126.56
89 28,126.56 0.93% 262.51 1,020.80 758.29 27,368.27
90 27,368.27 0.93% 255.44 1,020.80 765.36 26,602.91
91 26,602.91 0.93% 248.29 1,020.80 772.51 25,830.40
92 25,830.40 0.93% 241.08 1,020.80 779.72 25,050.68
93 25,050.68 0.93% 233.81 1,020.80 787.00 24,263.69
94 24,263.69 0.93% 226.46 1,020.80 794.34 23,469.35
95 23,469.35 0.93% 219.05 1,020.80 801.75 22,667.59
96 22,667.59 0.93% 211.56 1,020.80 809.24 21,858.35
97 21,858.35 0.93% 204.01 1,020.80 816.79 21,041.56
98 21,041.56 0.93% 196.39 1,020.80 824.41 20,217.15
99 20,217.15 0.93% 188.69 1,020.80 832.11 19,385.04
100 19,385.04 0.93% 180.93 1,020.80 839.87 18,545.17
101 18,545.17 0.93% 173.09 1,020.80 847.71 17,697.45
102 17,697.45 0.93% 165.18 1,020.80 855.63 16,841.83
103 16,841.83 0.93% 157.19 1,020.80 863.61 15,978.22
104 15,978.22 0.93% 149.13 1,020.80 871.67 15,106.55
105 15,106.55 0.93% 140.99 1,020.80 879.81 14,226.74
106 14,226.74 0.93% 132.78 1,020.80 888.02 13,338.72
107 13,338.72 0.93% 124.49 1,020.80 896.31 12,442.41
108 12,442.41 0.93% 116.13 1,020.80 904.67 11,537.74
109 11,537.74 0.93% 107.69 1,020.80 913.12 10,624.63
110 10,624.63 0.93% 99.16 1,020.80 921.64 9,702.99
111 9,702.99 0.93% 90.56 1,020.80 930.24 8,772.75
112 8,772.75 0.93% 81.88 1,020.80 938.92 7,833.83
113 7,833.83 0.93% 73.12 1,020.80 947.69 6,886.14
114 6,886.14 0.93% 64.27 1,020.80 956.53 5,929.61
115 5,929.61 0.93% 55.34 1,020.80 965.46 4,964.15
116 4,964.15 0.93% 46.33 1,020.80 974.47 3,989.68
117 3,989.68 0.93% 37.24 1,020.80 983.56 3,006.12
 118 3,006.12 0.93% 28.06 1,020.80 992.74 2,013.37
119 2,013.37 0.93% 18.79 1,020.80 1,002.01 1,011.36
120 1,011.36 0.93% 9.44 1,020.80 1,011.36 0.00

El SR. Altamirano artesano calificado en la rama del cuero

solicita un prestamno a la camara de comercio de cielo Azul
por un valor de $30000 a ser cancelado en 5 años mediante
cuotas mensuales. si lainstitucion financiera le cobra una tasa
de interes del 8% a.c.m.

Cliente Altamirano
Crédito 30000
Tasa 8%
Capitalizacón 12
Plazo 5 años
Periodos 60
Cuota $608.29

Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 30,000.00 0.67% 200.00 608.29 408.29 29,591.71
2 29,591.71 0.67% 197.28 608.29 411.01 29,180.69
3 29,180.69 0.67% 194.54 608.29 413.75 28,766.94
4 28,766.94 0.67% 191.78 608.29 416.51 28,350.43
5 28,350.43 0.67% 189.00 608.29 419.29 27,931.14
6 27,931.14 0.67% 186.21 608.29 422.08 27,509.06
7 27,509.06 0.67% 183.39 608.29 424.90 27,084.16
8 27,084.16 0.67% 180.56 608.29 427.73 26,656.43
9 26,656.43 0.67% 177.71 608.29 430.58 26,225.84
10 26,225.84 0.67% 174.84 608.29 433.45 25,792.39
11 25,792.39 0.67% 171.95 608.29 436.34 25,356.05
12 25,356.05 0.67% 169.04 608.29 439.25 24,916.80
13 24,916.80 0.67% 166.11 608.29 442.18 24,474.62
14 24,474.62 0.67% 163.16 608.29 445.13 24,029.49
15 24,029.49 0.67% 160.20 608.29 448.10 23,581.39
16 23,581.39 0.67% 157.21 608.29 451.08 23,130.31
17 23,130.31 0.67% 154.20 608.29 454.09 22,676.22
18 22,676.22 0.67% 151.17 608.29 457.12 22,219.10
19 22,219.10 0.67% 148.13 608.29 460.16 21,758.94
20 21,758.94 0.67% 145.06 608.29 463.23 21,295.71
21 21,295.71 0.67% 141.97 608.29 466.32 20,829.39
22 20,829.39 0.67% 138.86 608.29 469.43 20,359.96
23 20,359.96 0.67% 135.73 608.29 472.56 19,887.40
24 19,887.40 0.67% 132.58 608.29 475.71 19,411.69
25 19,411.69 0.67% 129.41 608.29 478.88 18,932.81
26 18,932.81 0.67% 126.22 608.29 482.07 18,450.74
27 18,450.74 0.67% 123.00 608.29 485.29 17,965.45
28 17,965.45 0.67% 119.77 608.29 488.52 17,476.93
29 17,476.93 0.67% 116.51 608.29 491.78 16,985.15
30 16,985.15 0.67% 113.23 608.29 495.06 16,490.09
31 16,490.09 0.67% 109.93 608.29 498.36 15,991.73
32 15,991.73 0.67% 106.61 608.29 501.68 15,490.05
33 15,490.05 0.67% 103.27 608.29 505.02 14,985.03
34 14,985.03 0.67% 99.90 608.29 508.39 14,476.64
35 14,476.64 0.67% 96.51 608.29 511.78 13,964.86
36 13,964.86 0.67% 93.10 608.29 515.19 13,449.66
37 13,449.66 0.67% 89.66 608.29 518.63 12,931.04
38 12,931.04 0.67% 86.21 608.29 522.08 12,408.95
39 12,408.95 0.67% 82.73 608.29 525.57 11,883.39
40 11,883.39 0.67% 79.22 608.29 529.07 11,354.32
41 11,354.32 0.67% 75.70 608.29 532.60 10,821.72
42 10,821.72 0.67% 72.14 608.29 536.15 10,285.57
43 10,285.57 0.67% 68.57 608.29 539.72 9,745.85
44 9,745.85 0.67% 64.97 608.29 543.32 9,202.53
45 9,202.53 0.67% 61.35 608.29 546.94 8,655.59
46 8,655.59 0.67% 57.70 608.29 550.59 8,105.00
47 8,105.00 0.67% 54.03 608.29 554.26 7,550.74
48 7,550.74 0.67% 50.34 608.29 557.95 6,992.79
49 6,992.79 0.67% 46.62 608.29 561.67 6,431.12
50 6,431.12 0.67% 42.87 608.29 565.42 5,865.70
51 5,865.70 0.67% 39.10 608.29 569.19 5,296.51
52 5,296.51 0.67% 35.31 608.29 572.98 4,723.53
53 4,723.53 0.67% 31.49 608.29 576.80 4,146.73
54 4,146.73 0.67% 27.64 608.29 580.65 3,566.08
55 3,566.08 0.67% 23.77 608.29 584.52 2,981.56
56 2,981.56 0.67% 19.88 608.29 588.41 2,393.15
57 2,393.15 0.67% 15.95 608.29 592.34 1,800.81
58 1,800.81 0.67% 12.01 608.29 596.29 1,204.53
59 1,204.53 0.67% 8.03 608.29 600.26 604.26
60 604.26 0.67% 4.03 608.29 604.26 0.00
6,497.51 30,000.00
 Elaborar una tabla de amortización por un préstamo de $ 45000
en 2 años, pagos periodicos uniformes con una tasa del 9,15%
para los primeros 8 periodos, partir del 9no periodo se disminuye
el 9% hasta el periodo 15. A partir del perido 16 incrementa al
9,20% . Las anualidades son mensuales.

Préstamo 45000
plazo 2 años
Capitalizació 12
N° de
periodos 24
Tasa 9.15%
8.90%
9.75%
Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 45,000.00 0.0076 343.13 2,058.13 1,715.01 43,284.99
2 43,284.99 0.0076 330.05 2,058.13 1,728.08 41,556.91
3 41,556.91 0.0076 316.87 2,058.13 1,741.26 39,815.65
4 39,815.65 0.0076 303.59 2,058.13 1,754.54 38,061.11
5 38,061.11 0.0076 290.22 2,058.13 1,767.92 36,293.20
6 36,293.20 0.0076 276.74 2,058.13 1,781.40 34,511.80
7 34,511.80 0.0076 263.15 2,058.13 1,794.98 32,716.82
8 32,716.82 0.0076 249.47 2,058.13 1,808.67 30,908.15
9 30,908.15 0.0074 229.24 2,058.13 1,828.90 29,079.26
10 29,079.26 0.0074 215.67 2,058.13 1,842.46 27,236.80
11 27,236.80 0.0074 202.01 2,058.13 1,856.13 25,380.67
12 25,380.67 0.0074 188.24 2,058.13 1,869.89 23,510.78
13 23,510.78 0.0074 174.37 2,058.13 1,883.76 21,627.02
14 21,627.02 0.0074 160.40 2,058.13 1,897.73 19,729.29
15 19,729.29 0.0074 146.33 2,058.13 1,911.81 17,817.48
16 17,817.48 0.0081 144.77 2,058.13 1,913.36 15,904.12
17 15,904.12 0.0081 129.22 2,058.13 1,928.91 13,975.21
18 13,975.21 0.0081 113.55 2,058.13 1,944.58 12,030.62
19 12,030.62 0.0081 97.75 2,058.13 1,960.38 10,070.24
20 10,070.24 0.0081 81.82 2,058.13 1,976.31 8,093.93
21 8,093.93 0.0081 65.76 2,058.13 1,992.37 6,101.56
22 6,101.56 0.0081 49.58 2,058.13 2,008.56 4,093.00
23 4,093.00 0.0081 33.26 2,058.13 2,024.88 2,068.13
24 2,068.13 0.0081 16.80 2,058.13 2,041.33 26.80
4,421.96 44,973.20

La empresa adquiere una maquinaria planta de produccion por el valor de

$80000, se cancel acon la firma de contrato un 20% en calidad de abono, el
saldo se pagará mediante cuotas mensuales iguales en un plazo de 4 años. A
un interés del 10% hasta el periodo 12, se incrementa al 10,5% al peridod 24
y 11% hasta culminar la tabla. Construya la tabla y determine los pagos
periodicos uniformes. La empres ha ofrecido a su proveerdor cancelar en los
peridos 17 y 31 un valor de $5000 cada uno.
 La empresa adquiere una maquinaria planta de produccion por el valor de
$80000, se cancel acon la firma de contrato un 20% en calidad de abono, el
saldo se pagará mediante cuotas mensuales iguales en un plazo de 4 años. A
un interés del 10% hasta el periodo 12, se incrementa al 10,5% al peridod 24
y 11% hasta culminar la tabla. Construya la tabla y determine los pagos
periodicos uniformes. La empres ha ofrecido a su proveerdor cancelar en los
peridos 17 y 31 un valor de $5000 cada uno.

Valor d ela
máquina 80000
Abono 20% 16000
Valor actual 64000
N° de
periodos 48
Plazo 4 años
Capitalizació 12 mensual
P1-P12 10%
P12-P24 10.50%
P25-P48 11%
P17 y P31 5,000.00

Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 64,000.00 0.01 533.33 1,426.82 893.48 63,106.52
2 63,106.52 0.01 525.89 1,426.82 900.93 62,205.58
3 62,205.58 0.01 518.38 1,426.82 908.44 61,297.15
4 61,297.15 0.01 510.81 1,426.82 916.01 60,381.14
5 60,381.14 0.01 503.18 1,426.82 923.64 59,457.50
6 59,457.50 0.01 495.48 1,426.82 931.34 58,526.16
7 58,526.16 0.01 487.72 1,426.82 939.10 57,587.06
8 57,587.06 0.01 479.89 1,426.82 946.93 56,640.13
9 56,640.13 0.01 472.00 1,426.82 954.82 55,685.31
10 55,685.31 0.01 464.04 1,426.82 962.77 54,722.54
11 54,722.54 0.01 456.02 1,426.82 970.80 53,751.74
12 53,751.74 0.01 447.93 1,426.82 978.89 52,772.86
13 52,772.86 0.01 461.76 1,426.82 965.06 51,807.80
14 51,807.80 0.01 453.32 1,426.82 973.50 50,834.30
15 50,834.30 0.01 444.80 1,426.82 982.02 49,852.28
16 49,852.28 0.01 436.21 1,426.82 990.61 48,861.67
17 48,861.67 0.01 427.54 6,426.82 5,999.28 42,862.39
18 42,862.39 0.01 375.05 1,426.82 1,051.77 41,810.62
19 41,810.62 0.01 365.84 1,426.82 1,060.98 40,749.65
20 40,749.65 0.01 356.56 1,426.82 1,070.26 39,679.39
21 39,679.39 0.01 347.19 1,426.82 1,079.62 38,599.76
22 38,599.76 0.01 337.75 1,426.82 1,089.07 37,510.69
23 37,510.69 0.01 328.22 1,426.82 1,098.60 36,412.09
 24 36,412.09 0.01 318.61 1,426.82 1,108.21 35,303.88
25 35,303.88 0.01 323.62 1,426.82 1,103.20 34,200.68
26 34,200.68 0.01 313.51 1,426.82 1,113.31 33,087.37
27 33,087.37 0.01 303.30 1,426.82 1,123.52 31,963.85
28 31,963.85 0.01 293.00 1,426.82 1,133.82 30,830.04
29 30,830.04 0.01 282.61 1,426.82 1,144.21 29,685.83
30 29,685.83 0.01 272.12 1,426.82 1,154.70 28,531.13
31 28,531.13 0.01 261.54 6,426.82 6,165.28 22,365.85
32 22,365.85 0.01 205.02 1,426.82 1,221.80 21,144.05
33 21,144.05 0.01 193.82 1,426.82 1,233.00 19,911.05
34 19,911.05 0.01 182.52 1,426.82 1,244.30 18,666.75
35 18,666.75 0.01 171.11 1,426.82 1,255.71 17,411.04
36 17,411.04 0.01 159.60 1,426.82 1,267.22 16,143.83
37 16,143.83 0.01 147.99 1,426.82 1,278.83 14,864.99
38 14,864.99 0.01 136.26 1,426.82 1,290.56 13,574.44
39 13,574.44 0.01 124.43 1,426.82 1,302.39 12,272.05
40 12,272.05 0.01 112.49 1,426.82 1,314.32 10,957.73
41 10,957.73 0.01 100.45 1,426.82 1,326.37 9,631.36
42 9,631.36 0.01 88.29 1,426.82 1,338.53 8,292.82
43 8,292.82 0.01 76.02 1,426.82 1,350.80 6,942.02
44 6,942.02 0.01 63.64 1,426.82 1,363.18 5,578.84
45 5,578.84 0.01 51.14 1,426.82 1,375.68 4,203.16
46 4,203.16 0.01 38.53 1,426.82 1,388.29 2,814.87
47 2,814.87 0.01 25.80 1,426.82 1,401.02 1,413.86
48 1,413.86 0.01 12.96 1,426.82 1,413.86 0.00
14,487.27 64,000.00

GRADIENTE ARITMËTICA
La empresa XYZ adquiere un caldero para su planta industrial
por el valor de $32000 realiza un abono del 25% el saldo le
fianancia con una institucion fiananciera a 6 años plazo
mediante pagos trimestrales. A un interés del 7% a.c.t., con un
incremento de $100 en cada pago. considere un pago adicional
en le periodo 4 de $1200. construya la tabla, determine el valor
del pago periódico

Valor del
caldero 75000
Abono 25% 18750
Valor actual 56250
N° de
periodos 24
Plazo 6 años
Capitalizació 4 trimestral
Tasa 7%
G 100 incremento
P4 1200

Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 56,250.00 0.0175 984.38 1,823.33 838.96 55,411.04
2 55,411.04 0.0175 969.69 1,923.33 953.64 54,457.40
3 54,457.40 0.0175 953.00 2,023.33 1,070.33 53,387.08
4 53,387.08 0.0175 934.27 2,123.33 1,189.06 52,198.02
5 52,198.02 0.0175 913.47 2,223.33 1,309.87 50,888.15
6 50,888.15 0.0175 890.54 2,323.33 1,432.79 49,455.36
7 49,455.36 0.0175 865.47 2,423.33 1,557.86 47,897.50
8 47,897.50 0.0175 838.21 2,523.33 1,685.13 46,212.37
9 46,212.37 0.0175 808.72 2,623.33 1,814.62 44,397.76
10 44,397.76 0.0175 776.96 2,723.33 1,946.37 42,451.39
11 42,451.39 0.0175 742.90 2,823.33 2,080.43 40,370.95
12 40,370.95 0.0175 706.49 2,923.33 2,216.84 38,154.11
13 38,154.11 0.0175 667.70 3,023.33 2,355.64 35,798.48
14 35,798.48 0.0175 626.47 3,123.33 2,496.86 33,301.62
15 33,301.62 0.0175 582.78 3,223.33 2,640.55 30,661.06
16 30,661.06 0.0175 536.57 3,323.33 2,786.76 27,874.30
17 27,874.30 0.0175 487.80 3,423.33 2,935.53 24,938.77
18 24,938.77 0.0175 436.43 3,523.33 3,086.90 21,851.87
19 21,851.87 0.0175 382.41 3,623.33 3,240.92 18,610.94
20 18,610.94 0.0175 325.69 3,723.33 3,397.64 15,213.30
21 15,213.30 0.0175 266.23 3,823.33 3,557.10 11,656.20
22 11,656.20 0.0175 203.98 3,923.33 3,719.35 7,936.85
23 7,936.85 0.0175 138.89 4,023.33 3,884.44 4,052.41
24 4,052.41 0.0175 70.92 4,123.33 4,052.41 -0.00
15,109.97 56,250.00

Anticipado
Se toma un prestamo por el valor de $15000 a 2 años plazo con pagos
anticipados trimestrales con una tasa del 19,20% a.c.t.,

Crédito 15000
N° de
periodos 8
Plazo 2 años
Capitalizació 4 trimestes
Tasa 19.20%

Tabla de amortizaciones
 Tasa de
Perídodo SIAP IPV Pagos R AC SIDP
interés
0 15000 $2,196.66 $2,196.66 $12,803.34 $2,196.66
1 $12,803.34 0.048 614.560309 $2,196.66 $1,582.10 $11,221.24
2 $11,221.24 0.048 538.619513 $2,196.66 $1,658.04 $9,563.20
3 $9,563.20 0.048 459.033558 $2,196.66 $1,737.63 $7,825.57
4 $7,825.57 0.048 375.627478 $2,196.66 $1,821.03 $6,004.54
5 $6,004.54 0.048 288.217906 $2,196.66 $1,908.44 $4,096.10
6 $4,096.10 0.048 196.612675 $2,196.66 $2,000.05 $2,096.05
7 $2,096.05 0.048 100.610392 $2,196.66 $2,096.05 $-0.00
2573.28183 $15,000.00
 Tabla de amortizaciones

Perídodo SIAP Tasa de interés IPV Pagos R AC SIDP

1 56,250.00 0.0175 984.38 1,765.80 781.43 55,468.57
2 55,468.57 0.0175 970.70 1,865.80 895.10 54,573.47
3 54,573.47 0.0175 955.04 1,965.80 1,010.77 53,562.70
4 53,562.70 0.0175 937.35 3,265.80 2,328.46 51,234.24
5 51,234.24 0.0175 896.60 2,165.80 1,269.20 49,965.04
6 49,965.04 0.0175 874.39 2,265.80 1,391.42 48,573.63
7 48,573.63 0.0175 850.04 2,365.80 1,515.76 47,057.86
8 47,057.86 0.0175 823.51 2,465.80 1,642.29 45,415.57
9 45,415.57 0.0175 794.77 2,565.80 1,771.03 43,644.54
10 43,644.54 0.0175 763.78 2,665.80 1,902.02 41,742.52
11 41,742.52 0.0175 730.49 2,765.80 2,035.31 39,707.21
12 39,707.21 0.0175 694.88 2,865.80 2,170.93 37,536.28
13 37,536.28 0.0175 656.88 2,965.80 2,308.92 35,227.36
14 35,227.36 0.0175 616.48 3,065.80 2,449.32 32,778.04
15 32,778.04 0.0175 573.62 3,165.80 2,592.19 30,185.85
16 30,185.85 0.0175 528.25 3,265.80 2,737.55 27,448.30
17 27,448.30 0.0175 480.35 3,365.80 2,885.46 24,562.84
18 24,562.84 0.0175 429.85 3,465.80 3,035.95 21,526.89
19 21,526.89 0.0175 376.72 3,565.80 3,189.08 18,337.80
20 18,337.80 0.0175 320.91 3,665.80 3,344.89 14,992.91
21 14,992.91 0.0175 262.38 3,765.80 3,503.43 11,489.48
22 11,489.48 0.0175 201.07 3,865.80 3,664.74 7,824.75
23 7,824.75 0.0175 136.93 3,965.80 3,828.87 3,995.88
24 3,995.88 0.0175 69.93 4,065.80 3,995.88 0.00
14,929.28 56,250.00
 Valor actual
¿Cuál es el préstamo máximo que se le puede conceder a una persona que
puede pagar mensualmente $320, durante 3 años y que en el período 12
puede cancelar una cuota extraordinaria de $500. Suponga una tasa de
interés del 1,04%, preparar la tabla de amortización

Crédito ?

cuota mensual 320

P12 500
Tasa 1.04% mensual
capitalización 12
Plazo 3 años
Períodos 36

Tabla de amortizaciones

Tasa de
Perídodo SIAP IPV Pagos R AC SIDP
interés
1 10,009.85 0.01 104.10 320.00 215.90 9,793.95
2 9,793.95 0.01 101.86 320.00 218.14 9,575.80
3 9,575.80 0.01 99.59 320.00 220.41 9,355.39
4 9,355.39 0.01 97.30 320.00 222.70 9,132.69
5 9,132.69 0.01 94.98 320.00 225.02 8,907.67
6 8,907.67 0.01 92.64 320.00 227.36 8,680.31
7 8,680.31 0.01 90.28 320.00 229.72 8,450.58
8 8,450.58 0.01 87.89 320.00 232.11 8,218.47
9 8,218.47 0.01 85.47 320.00 234.53 7,983.94
10 7,983.94 0.01 83.03 320.00 236.97 7,746.98
11 7,746.98 0.01 80.57 320.00 239.43 7,507.54
12 7,507.54 0.01 78.08 820.00 741.92 6,765.62
13 6,765.62 0.01 70.36 320.00 249.64 6,515.98
14 6,515.98 0.01 67.77 320.00 252.23 6,263.75
15 6,263.75 0.01 65.14 320.00 254.86 6,008.89
16 6,008.89 0.01 62.49 320.00 257.51 5,751.39
17 5,751.39 0.01 59.81 320.00 260.19 5,491.20
18 5,491.20 0.01 57.11 320.00 262.89 5,228.31
19 5,228.31 0.01 54.37 320.00 265.63 4,962.68
20 4,962.68 0.01 51.61 320.00 268.39 4,694.30
21 4,694.30 0.01 48.82 320.00 271.18 4,423.12
22 4,423.12 0.01 46.00 320.00 274.00 4,149.12
23 4,149.12 0.01 43.15 320.00 276.85 3,872.27
24 3,872.27 0.01 40.27 320.00 279.73 3,592.54
25 3,592.54 0.01 37.36 320.00 282.64 3,309.90
26 3,309.90 0.01 34.42 320.00 285.58 3,024.32
 27 3,024.32 0.01 31.45 320.00 288.55 2,735.78
28 2,735.78 0.01 28.45 320.00 291.55 2,444.23
29 2,444.23 0.01 25.42 320.00 294.58 2,149.65
30 2,149.65 0.01 22.36 320.00 297.64 1,852.01
31 1,852.01 0.01 19.26 320.00 300.74 1,551.27
32 1,551.27 0.01 16.13 320.00 303.87 1,247.40
33 1,247.40 0.01 12.97 320.00 307.03 940.37
34 940.37 0.01 9.78 320.00 310.22 630.15 Una familia d
35 630.15 0.01 6.55 320.00 313.45 316.71 constructora
36 316.71 0.01 3.29 320.00 316.71 -0.00 25%. El saldo
2,010.15 10,009.85 que le ofrece
Determinar e
Los esposos a
extraordinari
Valor actual
Una artesano puede cancelar trimestralmente de $400 durante 2 años y
medio, con un pago extraordinario en el último preíodo de $800. la
institucion fiananciera le cobra una tasa del 9%a.c.t. Determine el valor al
cual tendrá acceso de endeudamiento

Crédito ?

Cuota trimestral 400

P extra 800
tasa 9% trimestral
capitalización 4
Plazo 2 años 6 medio

Período 10

Tabla de amortizaciones

Tasa de
Perídodo SIAP IPV Pagos R AC SIDP
interés
1 4,186.89 0.02 94.21 400.00 305.79 3,881.10
2 3,881.10 0.02 87.32 400.00 312.68 3,568.42
3 3,568.42 0.02 80.29 400.00 319.71 3,248.71
4 3,248.71 0.02 73.10 400.00 326.90 2,921.81
5 2,921.81 0.02 65.74 400.00 334.26 2,587.55
6 2,587.55 0.02 58.22 400.00 341.78 2,245.77
7 2,245.77 0.02 50.53 400.00 349.47 1,896.30
8 1,896.30 0.02 42.67 400.00 357.33 1,538.97
9 1,538.97 0.02 34.63 400.00 365.37 1,173.59
10 1,173.59 0.02 26.41 1,200.00 1,173.59 0.00
613.11 4,186.89
 Valor actual
Una empresa obtiene un prestamo por el valor de $60000 en una
instittucion fiananciera que le cobra una tasa de interes del 14%a.c.s., El
plazo de crédito es de 4 años, se solicita determinar un pago semestral y
construir la tabla de amortización. Considere que en el 2do años la tasa de
interes varía en -0,50%.

Crédito 60000
Tasa 14% 13.5%
Plazo 4 años
Capitalización 2
Períodos 8
Tasa -1%

Tabla de amortizaciones

Tasa de
Perídodo SIAP IPV Pagos R AC SIDP
interés
1 60000 0.07 4200 9993.96155 5793.96155 54206.0385
2 54206.0385 0.07 3794.42269 9993.96155 6199.53885 48006.4996
3 48006.4996 0.0675 3240.43872 9993.96155 6753.52282 41252.9768
4 41252.9768 0.0675 2784.57593 9993.96155 7209.38561 34043.5912
5 34043.5912 0.0675 2297.9424 9993.96155 7696.01914 26347.572
6 26347.572 0.0675 1778.46111 9993.96155 8215.50044 18132.0716
7 18132.0716 0.0675 1223.91483 9993.96155 8770.04671 9362.02487
8 9362.02487 0.0675 631.936679 9993.96155 9362.02487 0
19951.6924 60000

Valor actual
Una empresa adquiere maquinariapor el valor de $120000 a 5 años plazo,
mediante pagos trimestrales. La institucion que fianacia esta compra le
opfrece una tasa del 13%. La empresa desea incrementar trimestralmente
$150 a las cuotas

maquinaria 120000
plazo 5 años
Tasa 13%
capitalizacion 4
G 150
Períodos 20
 Tabla de amortizaciones

Tasa de
Perídodo SIAP IPV Pagos R AC SIDP
interés
1 120000 0.0325 3900 -3900 123900
2 123900 0.0325 4026.75 150 -3876.75 127776.75
3 127776.75 0.0325 4152.74438 300 -3852.74438 131629.494
4 131629.494 0.0325 4277.95857 450 -3827.95857 135457.453
5 135457.453 0.0325 4402.36722 600 -3802.36722 139259.82
6 139259.82 0.0325 4525.94416 750 -3775.94416 143035.764
7 143035.764 0.0325 4648.66234 900 -3748.66234 146784.427
8 146784.427 0.0325 4770.49387 1050 -3720.49387 150504.921
9 150504.921 0.0325 4891.40992 1200 -3691.40992 154196.33
10 154196.33 0.0325 5011.38074 1350 -3661.38074 157857.711
11 157857.711 0.0325 5130.37561 1500 -3630.37561 161488.087
12 161488.087 0.0325 5248.36282 1650 -3598.36282 165086.45
13 165086.45 0.0325 5365.30961 1800 -3565.30961 168651.759
14 168651.759 0.0325 5481.18217 1950 -3531.18217 172182.941
15 172182.941 0.0325 5595.9456 2100 -3495.9456 175678.887
16 175678.887 0.0325 5709.56383 2250 -3459.56383 179138.451
17 179138.451 0.0325 5821.99965 2400 -3421.99965 182560.45
18 182560.45 0.0325 5933.21464 2550 -3383.21464 185943.665
19 185943.665 0.0325 6043.16912 2700 -3343.16912 189286.834
20 189286.834 0.0325 6151.82211 2850 -3301.82211 192588.656
 Valor actual
Una familia desea adquirir una casa en el sector del Valle de Quito, la
constructora ofrece casas por el valor de $95000 con un pago inicial del
25%. El saldo se puede finanaciar con una institucion finanaciera que le
que le ofrece 11%a.c.m. El plazxo del pago se realiza a 10 años.
Determinar el valor de la cuota mensual.
Los esposos acuerdan cancelar en los meses de diciembre una cuota
extraordinaria de $950, que se incrementará cada 12 meses en $100

Valor casas 95000

Abono 25% 23750
Valor actual 71250
Tasa 11% mensual
capitalización 12

Príodos 100
P extraordina 950

Tabla de amortizaciones

Tasa de
Perídodo SIAP IPV Pagos R AC SIDP
interés
1 71,250.00 0.01 653.13 877.58 224.46 71,025.54
2 71,025.54 0.01 651.07 877.58 226.52 70,799.03
3 70,799.03 0.01 648.99 877.58 228.59 70,570.43

4 70,570.43 0.01 646.90 877.58 230.69 70,339.75

5 70,339.75 0.01 644.78 877.58 232.80 70,106.94
6 70,106.94 0.01 642.65 877.58 234.94 69,872.01
7 69,872.01 0.01 640.49 877.58 237.09 69,634.92
8 69,634.92 0.01 638.32 877.58 239.26 69,395.65
9 69,395.65 0.01 636.13 877.58 241.46 69,154.20
10 69,154.20 0.01 633.91 877.58 243.67 68,910.53
11 68,910.53 0.01 631.68 877.58 245.90 68,664.62
12 68,664.62 0.01 629.43 1,827.58 1,198.16 67,466.47
13 67,466.47 0.01 618.44 877.58 259.14 67,207.32
14 67,207.32 0.01 616.07 877.58 261.52 66,945.81
15 66,945.81 0.01 613.67 877.58 263.91 66,681.89
16 66,681.89 0.01 611.25 877.58 266.33 66,415.56
17 66,415.56 0.01 608.81 877.58 268.77 66,146.79
18 66,146.79 0.01 606.35 877.58 271.24 65,875.55
19 65,875.55 0.01 603.86 877.58 273.72 65,601.83
20 65,601.83 0.01 601.35 877.58 276.23 65,325.59
21 65,325.59 0.01 598.82 877.58 278.77 65,046.83
22 65,046.83 0.01 596.26 877.58 281.32 64,765.51
23 64,765.51 0.01 593.68 877.58 283.90 64,481.61
24 64,481.61 0.01 591.08 1,927.58 1,336.50 63,145.10
25 63,145.10 0.01 578.83 877.58 298.75 62,846.35
26 62,846.35 0.01 576.09 877.58 301.49 62,544.86
27 62,544.86 0.01 573.33 877.58 304.26 62,240.60
28 62,240.60 0.01 570.54 877.58 307.04 61,933.56
29 61,933.56 0.01 567.72 877.58 309.86 61,623.70
30 61,623.70 0.01 564.88 877.58 312.70 61,311.00
31 61,311.00 0.01 562.02 877.58 315.57 60,995.43
32 60,995.43 0.01 559.12 877.58 318.46 60,676.98
33 60,676.98 0.01 556.21 877.58 321.38 60,355.60

34 60,355.60 0.01 553.26 877.58 324.32 60,031.27

35 60,031.27 0.01 550.29 877.58 327.30 59,703.98
36 59,703.98 0.01 547.29 2,027.58 1,480.30 58,223.68
37 58,223.68 0.01 533.72 877.58 343.87 57,879.81
38 57,879.81 0.01 530.56 877.58 347.02 57,532.80
39 57,532.80 0.01 527.38 877.58 350.20 57,182.60
40 57,182.60 0.01 524.17 877.58 353.41 56,829.19
41 56,829.19 0.01 520.93 877.58 356.65 56,472.54
42 56,472.54 0.01 517.66 877.58 359.92 56,112.62
43 56,112.62 0.01 514.37 877.58 363.22 55,749.40
44 55,749.40 0.01 511.04 877.58 366.55 55,382.85
45 55,382.85 0.01 507.68 877.58 369.91 55,012.95
46 55,012.95 0.01 504.29 877.58 373.30 54,639.65
47 54,639.65 0.01 500.86 877.58 376.72 54,262.93
48 54,262.93 0.01 497.41 2,127.58 1,630.17 52,632.76
49 52,632.76 0.01 482.47 877.58 395.12 52,237.64
50 52,237.64 0.01 478.85 877.58 398.74 51,838.90
51 51,838.90 0.01 475.19 877.58 402.39 51,436.51
52 51,436.51 0.01 471.50 877.58 406.08 51,030.42
53 51,030.42 0.01 467.78 877.58 409.80 50,620.62
54 50,620.62 0.01 464.02 877.58 413.56 50,207.06
55 50,207.06 0.01 460.23 877.58 417.35 49,789.71
56 49,789.71 0.01 456.41 877.58 421.18 49,368.53
57 49,368.53 0.01 452.54 877.58 425.04 48,943.49
58 48,943.49 0.01 448.65 877.58 428.93 48,514.56
59 48,514.56 0.01 444.72 877.58 432.87 48,081.69
60 48,081.69 0.01 440.75 2,227.58 1,786.83 46,294.85
 61 46,294.85 0.01 424.37 877.58 453.21 45,841.64
62 45,841.64 0.01 420.22 877.58 457.37 45,384.27
63 45,384.27 0.01 416.02 877.58 461.56 44,922.71
64 44,922.71 0.01 411.79 877.58 465.79 44,456.92

65 44,456.92 0.01 407.52 877.58 470.06 43,986.86

66 43,986.86 0.01 403.21 877.58 474.37 43,512.49
67 43,512.49 0.01 398.86 877.58 478.72 43,033.77
68 43,033.77 0.01 394.48 877.58 483.11 42,550.66
69 42,550.66 0.01 390.05 877.58 487.54 42,063.13
70 42,063.13 0.01 385.58 877.58 492.00 41,571.12
71 41,571.12 0.01 381.07 877.58 496.51 41,074.61
72 41,074.61 0.01 376.52 2,327.58 1,951.07 39,123.54
73 39,123.54 0.01 358.63 877.58 518.95 38,604.59
74 38,604.59 0.01 353.88 877.58 523.71 38,080.88
75 38,080.88 0.01 349.07 877.58 528.51 37,552.37
76 37,552.37 0.01 344.23 877.58 533.35 37,019.02
77 37,019.02 0.01 339.34 877.58 538.24 36,480.78
78 36,480.78 0.01 334.41 877.58 543.18 35,937.60
79 35,937.60 0.01 329.43 877.58 548.16 35,389.44
80 35,389.44 0.01 324.40 877.58 553.18 34,836.26
81 34,836.26 0.01 319.33 877.58 558.25 34,278.01
82 34,278.01 0.01 314.22 877.58 563.37 33,714.65
83 33,714.65 0.01 309.05 877.58 568.53 33,146.11
84 33,146.11 0.01 303.84 2,427.58 2,123.74 31,022.37
85 31,022.37 0.01 284.37 877.58 593.21 30,429.16
86 30,429.16 0.01 278.93 877.58 598.65 29,830.51
87 29,830.51 0.01 273.45 877.58 604.14 29,226.37
88 29,226.37 0.01 267.91 877.58 609.68 28,616.70
89 28,616.70 0.01 262.32 877.58 615.26 28,001.43
90 28,001.43 0.01 256.68 877.58 620.90 27,380.53
91 27,380.53 0.01 250.99 877.58 626.60 26,753.93
92 26,753.93 0.01 245.24 877.58 632.34 26,121.59
93 26,121.59 0.01 239.45 877.58 638.14 25,483.46
94 25,483.46 0.01 233.60 877.58 643.99 24,839.47
95 24,839.47 0.01 227.70 877.58 649.89 24,189.58
96 24,189.58 0.01 221.74 2,527.58 2,305.85 21,883.74
97 21,883.74 0.01 200.60 877.58 676.98 21,206.76
98 21,206.76 0.01 194.40 877.58 683.19 20,523.57
99 20,523.57 0.01 188.13 877.58 689.45 19,834.12
100 19,834.12 0.01 181.81 877.58 695.77 19,138.35
101 19,138.35 0.01 175.43 877.58 702.15 18,436.20
102 18,436.20 0.01 169.00 877.58 708.58 17,727.61
103 17,727.61 0.01 162.50 877.58 715.08 17,012.53
104 17,012.53 0.01 155.95 877.58 721.64 16,290.90
105 16,290.90 0.01 149.33 877.58 728.25 15,562.65
106 15,562.65 0.01 142.66 877.58 734.93 14,827.72
107 14,827.72 0.01 135.92 877.58 741.66 14,086.06
108 14,086.06 0.01 129.12 2,627.58 2,498.46 11,587.60
109 11,587.60 0.01 106.22 877.58 771.36 10,816.23
110 10,816.23 0.01 99.15 877.58 778.43 10,037.80
111 10,037.80 0.01 92.01 877.58 785.57 9,252.23
112 9,252.23 0.01 84.81 877.58 792.77 8,459.46
113 8,459.46 0.01 77.55 877.58 800.04 7,659.42
114 7,659.42 0.01 70.21 877.58 807.37 6,852.05
115 6,852.05 0.01 62.81 877.58 814.77 6,037.27
116 6,037.27 0.01 55.34 877.58 822.24 5,215.03
117 5,215.03 0.01 47.80 877.58 829.78 4,385.25
118 4,385.25 0.01 40.20 877.58 837.39 3,547.87
119 3,547.87 0.01 32.52 877.58 845.06 2,702.81
120 2,702.81 0.01 24.78 2,727.58 2,702.81 0.00