ESTUDIANTE JOHN CAMILO VALENCIA VELASQUEZ

COD 20161149461

MATERIA MATEMÁTICA FINANCIERA NOCTURNA

DOCENTE REINEL RODRIGUEZ RAMIREZ
TABLA DE AMORTIZACION
Ejercicio 1
EL BANCO REALIZA UN CREDITO DE $128 MILLONES A UN PLAZO DE 147 MESES, CANCELANDO CUOTAS FIJAS
TRIMESTRALES DE $2’100.000. QUE INTERES NOS ESTAN APLICANDO.

Credito $ 128,000,000.00
periodo 147 meses 49 trimestrales
Cuotas fijas trimestrales $ 2,100,000.00
i ? -0.84% este ejercicio sería imposible ya que la tasa da negativa
TAS FIJAS
TABLA DE AMORTIZACION
Ejercicio 2

PREPARAR LA TABLA CORRESPONDIENTE A UN CREDITO DE $528 MILLONES A UN PLAZO DE 264 MESES, CANCELANDO CUOTA
$36.000 Y CUOTAS EXTRAORDINARIAS ANUALES DE $90.000 A UN INTERES DEL 48% NOMINAL MENSUAL. HALLAR EL VALOR
MEDIO Y EL SALDO DE LA DEUDA AL FINAL DE 9 AÑOS Y MEDIO.

PERIODOS DEUDA INTERES PAGADO CAPITAL PAGADO

0 $ 528,000,000.00
1 $ 527,899,619.39 $ 140,078,400.00 $ 100,380.61
2 $ 527,718,607.80 $ 140,051,769.02 $ 181,011.59
3 $ 527,615,573.84 $ 140,003,746.65 $ 103,033.96
4 $ 527,431,204.96 $ 139,976,411.74 $ 184,368.87
5 $ 527,323,923.03 $ 139,927,498.68 $ 107,281.94
6 $ 527,134,179.19 $ 139,899,036.78 $ 189,743.83
7 $ 527,020,096.32 $ 139,848,697.74 $ 114,082.87
8 $ 526,821,747.26 $ 139,818,431.55 $ 198,349.06
9 $ 526,696,776.20 $ 139,765,809.55 $ 124,971.06
10 $ 526,484,650.32 $ 139,732,654.73 $ 212,125.89
11 $ 526,342,247.43 $ 139,676,377.73 $ 142,402.88
12 $ 526,108,065.07 $ 139,638,598.24 $ 234,182.37
13 $ 525,937,754.12 $ 139,576,469.66 $ 170,310.95
14 $ 525,668,259.67 $ 139,531,286.17 $ 269,494.45
15 $ 525,453,268.35 $ 139,459,789.29 $ 214,991.32
16 $ 525,127,239.83 $ 139,402,752.09 $ 326,028.52
17 $ 524,840,715.94 $ 139,316,256.73 $ 286,523.89
18 $ 524,424,177.27 $ 139,240,241.94 $ 416,538.67
19 $ 524,023,130.89 $ 139,129,734.23 $ 401,046.38
20 $ 523,461,686.90 $ 139,023,336.62 $ 561,443.99
21 $ 522,877,291.82 $ 138,874,385.53 $ 584,395.08
22 $ 522,083,856.73 $ 138,719,345.52 $ 793,435.09
23 $ 521,205,923.31 $ 138,508,847.19 $ 877,933.42
24 $ 520,041,074.15 $ 138,275,931.45 $ 1,164,849.16
25 $ 518,693,190.51 $ 137,966,896.97 $ 1,347,883.64
26 $ 516,933,713.34 $ 137,609,303.44 $ 1,759,477.17
27 $ 514,833,446.88 $ 137,142,514.15 $ 2,100,266.46
28 $ 512,121,979.73 $ 136,585,313.46 $ 2,711,467.15
29 $ 508,817,160.33 $ 135,865,961.22 $ 3,304,819.39
30 $ 504,581,572.36 $ 134,989,192.64 $ 4,235,587.98
31 $ 499,348,282.89 $ 133,865,491.15 $ 5,233,289.47
32 $ 492,672,601.73 $ 132,477,099.45 $ 6,675,681.16
33 $ 484,351,862.36 $ 130,706,041.24 $ 8,320,739.37
34 $ 473,769,630.83 $ 128,498,549.08 $ 10,582,231.53
35 $ 460,505,933.28 $ 125,691,083.06 $ 13,263,697.55
36 $ 443,669,376.77 $ 122,172,224.10 $ 16,836,556.51
37 $ 422,492,081.81 $ 117,705,485.66 $ 21,177,294.96
38 $ 395,642,450.50 $ 112,087,149.30 $ 26,849,631.31
39 $ 361,795,612.01 $ 104,963,942.12 $ 33,846,838.49
40 $ 318,915,207.27 $ 95,984,375.87 $ 42,880,404.75
41 $ 264,784,631.14 $ 84,608,204.49 $ 54,130,576.12
42 $ 196,239,213.17 $ 70,247,362.64 $ 68,545,417.97
43 $ 109,634,695.81 $ 52,062,263.25 $ 86,604,517.36
44 $ 0.00 $ 29,086,084.80 $ 109,634,695.81
O DE 264 MESES, CANCELANDO CUOTAS ORDINARIAS SEMESTRALES QUE SE VAYAN DISMINUYENDO EN
MINAL MENSUAL. HALLAR EL VALOR DE LA CUOTA ORDINARIA CANCELADA DENTRO DE 7 AÑOS Y

CUOTA EXTRA CUOTA ORDINARIA conversion de tasa

T efect= 0.48/12= 0.04x100 = 4 % mensual
$ 140,178,780.61
$ 90,000.00 $ 140,142,780.61 (1+ 0.04)12 = (1+ i)2
$ 140,106,780.61 1.601032219 = (1+ i)2
$ 90,000.00 $ 140,070,780.61 1.265319019 = 1 + i
$ 140,034,780.61 0.2653190187= i
$ 90,000.00 $ 139,998,780.61 i= 26.53 % semestral
$ 139,962,780.61
$ 90,000.00 $ 139,926,780.61
$ 139,890,780.61
$ 90,000.00 $ 139,854,780.61 $ 139,674,780.61 cuota ordinaria año 7 y medio
$ 139,818,780.61
$ 90,000.00 $ 139,782,780.61 $ 524,023,130.89 saldo deuda año 9 y medio
$ 139,746,780.61
$ 90,000.00 $ 139,710,780.61
$ 139,674,780.61
$ 90,000.00 $ 139,638,780.61
$ 139,602,780.61
$ 90,000.00 $ 139,566,780.61
$ 139,530,780.61
$ 90,000.00 $ 139,494,780.61
$ 139,458,780.61
$ 90,000.00 $ 139,422,780.61
$ 139,386,780.61
$ 90,000.00 $ 139,350,780.61
$ 139,314,780.61
$ 90,000.00 $ 139,278,780.61
$ 139,242,780.61
$ 90,000.00 $ 139,206,780.61
$ 139,170,780.61
$ 90,000.00 $ 139,134,780.61
$ 139,098,780.61
$ 90,000.00 $ 139,062,780.61
$ 139,026,780.61
$ 90,000.00 $ 138,990,780.61
$ 138,954,780.61
$ 90,000.00 $ 138,918,780.61
 $ 138,882,780.61
$ 90,000.00 $ 138,846,780.61
$ 138,810,780.61
$ 90,000.00 $ 138,774,780.61
$ 138,738,780.61
$ 90,000.00 $ 138,702,780.61
$ 138,666,780.61
$ 90,000.00 $ 138,630,780.61
4x100 = 4 % mensual
TABLA DE CAPITALIZACIÓN
Ejercicio 3
LA EMPRESA REQUIERE PARA DENTRO DE 204 MESES $836 MILLONES, QUE VALOR DEBE DEPOSITAR SEMESTRALMENTE EN U
AHORROS QUE RECONOCE UN INTERES DEL 10,55% TRIMESTRAL ANTICIPADO.

DEPOSITOS DEPOSITOS ACUMULADO

PERIODOS ORDINARIOS EXTRA INTERES RECIBIDO PERIODO
0
1 $ 106,770.36 $0.00 $ 106,770.36
2 $ 106,770.36 $26,660.56 $ 133,430.92
3 $ 106,770.36 $59,978.26 $ 166,748.62
4 $ 106,770.36 $101,615.39 $ 208,385.76
5 $ 106,770.36 $153,649.32 $ 260,419.68
6 $ 106,770.36 $218,676.11 $ 325,446.47
7 $ 106,770.36 $299,940.09 $ 406,710.46
8 $ 106,770.36 $401,495.70 $ 508,266.06
9 $ 106,770.36 $528,409.73 $ 635,180.09
10 $ 106,770.36 $687,014.20 $ 793,784.56
11 $ 106,770.36 $885,222.21 $ 991,992.57
12 $ 106,770.36 $1,132,922.75 $ 1,239,693.11
13 $ 106,770.36 $1,442,474.12 $ 1,549,244.48
14 $ 106,770.36 $1,829,320.47 $ 1,936,090.83
15 $ 106,770.36 $2,312,762.35 $ 2,419,532.71
16 $ 106,770.36 $2,916,919.67 $ 3,023,690.03
17 $ 106,770.36 $3,671,935.07 $ 3,778,705.43
18 $ 106,770.36 $4,615,477.81 $ 4,722,248.18
19 $ 106,770.36 $5,794,623.18 $ 5,901,393.55
20 $ 106,770.36 $7,268,201.15 $ 7,374,971.51
21 $ 106,770.36 $9,109,731.54 $ 9,216,501.90
22 $ 106,770.36 $11,411,092.06 $ 11,517,862.43
23 $ 106,770.36 $14,287,102.31 $ 14,393,872.67
24 $ 106,770.36 $17,881,252.32 $ 17,988,022.68
25 $ 106,770.36 $22,372,861.58 $ 22,479,631.94
26 $ 106,770.36 $27,986,025.68 $ 28,092,796.04
27 $ 106,770.36 $35,000,796.85 $ 35,107,567.21
28 $ 106,770.36 $43,767,156.38 $ 43,873,926.74
29 $ 106,770.36 $54,722,475.89 $ 54,829,246.25
30 $ 106,770.36 $68,413,338.68 $ 68,520,109.04
31 $ 106,770.36 $85,522,809.91 $ 85,629,580.27
32 $ 106,770.36 $106,904,516.10 $ 107,011,286.46
33 $ 106,770.36 $133,625,234.33 $ 133,732,004.69
34 $ 106,770.36 $167,018,115.90 $ 167,124,886.26
R DEBE DEPOSITAR SEMESTRALMENTE EN UNA CUENTA DE

conversion de
ACUMULADO TOTAL tasa iv= ia/(1-ia) 0,1055/(1-0,1055)
0.1179
$ 106,770.36 (1+ 0.1179)4 = (1+ i )2
$ 240,201.29 1.561751115 = (1+ i )2
$ 406,949.91 1. 24970041
$ 615,335.67 0.24970041
$ 875,755.35 i= 24,97% semestral
$ 1,201,201.82
$ 1,607,912.28
$ 2,116,178.34 $ 106,770.36 valor deposito semestral
$ 2,751,358.43
$ 3,545,142.99
$ 4,537,135.56
$ 5,776,828.68
$ 7,326,073.16
$ 9,262,163.99
$ 11,681,696.70
$ 14,705,386.73
$ 18,484,092.16
$ 23,206,340.34
$ 29,107,733.88
$ 36,482,705.40
$ 45,699,207.30
$ 57,217,069.73
$ 71,610,942.40
$ 89,598,965.08
$ 112,078,597.02
$ 140,171,393.06
$ 175,278,960.28
$ 219,152,887.02
$ 273,982,133.27
$ 342,502,242.31
$ 428,131,822.58
$ 535,143,109.04
$ 668,875,113.74
$ 836,000,000.00
,1055/(1-0,1055)
11.79%
TABLA DE CAPITALIZACIÓN
Ejercicio 4

LA EMPRESA REQUIERE PARA DENTRO 174 MESES $542 MILLONES, PARA TAL FIN REALIZA DEPOSITOS ORDINARIOS SEMESTRA
$60.000 Y DEPOSITOS EXTRAORDINARIOS ANUALES DE $100.000 EN UN FONDO QUE RECONOCE UN INTERES DEL 48% ANUAL
CUENTA AL FINAL DE 10 AÑOS Y MEDIO Y EL VALOR DEL DEPÓSITO ORDINARIO REALIZADO AL FINAL DE 5 AÑOS Y MEDIO.

DEPOSITOS DEPOSITOS ACUMULADO

PERIODOS ORDINARIOS EXTRA INTERES RECIBIDO PERIODO ACUMULADO TOTAL
0
1 $ (111,866.55) $ - $ (111,866.55) $ (111,866.55)
2 $ (51,866.55) $ 100,000.00 $ (29,678.20) $ 18,455.26 $ (93,411.29)
3 $ 8,133.45 $ (24,782.02) $ (16,648.56) $ (110,059.85)
4 $ 68,133.45 $ 100,000.00 $ (29,198.88) $ 138,934.57 $ 28,874.72
5 $ 128,133.45 $ 7,660.46 $ 135,793.92 $ 164,668.64
6 $ 188,133.45 $ 100,000.00 $ 43,686.59 $ 331,820.04 $ 496,488.68
7 $ 248,133.45 $ 131,718.45 $ 379,851.90 $ 876,340.58
8 $ 308,133.45 $ 100,000.00 $ 232,493.15 $ 640,626.61 $ 1,516,967.18
9 $ 368,133.45 $ 402,451.39 $ 770,584.85 $ 2,287,552.03
10 $ 428,133.45 $ 100,000.00 $ 606,887.55 $ 1,135,021.01 $ 3,422,573.04
11 $ 488,133.45 $ 908,008.63 $ 1,396,142.08 $ 4,818,715.11
12 $ 548,133.45 $ 100,000.00 $ 1,278,405.12 $ 1,926,538.57 $ 6,745,253.69
13 $ 608,133.45 $ 1,789,515.80 $ 2,397,649.26 $ 9,142,902.94
14 $ 668,133.45 $ 100,000.00 $ 2,425,612.15 $ 3,193,745.60 $ 12,336,648.54
15 $ 728,133.45 $ 3,272,912.86 $ 4,001,046.31 $ 16,337,694.86
16 $ 788,133.45 $ 100,000.00 $ 4,334,390.45 $ 5,222,523.90 $ 21,560,218.75
17 $ 848,133.45 $ 5,719,926.04 $ 6,568,059.49 $ 28,128,278.24
18 $ 908,133.45 $ 100,000.00 $ 7,462,432.22 $ 8,470,565.67 $ 36,598,843.91
19 $ 968,133.45 $ 9,709,673.29 $ 10,677,806.74 $ 47,276,650.65
20 $ 1,028,133.45 $ 100,000.00 $ 12,542,495.42 $ 13,670,628.87 $ 60,947,279.52
21 $ 1,088,133.45 $ 16,169,313.26 $ 17,257,446.71 $ 78,204,726.24
22 $ 1,148,133.45 $ 100,000.00 $ 20,747,713.87 $ 21,995,847.32 $ 100,200,573.56
23 $ 1,208,133.45 $ 26,583,212.16 $ 27,791,345.62 $ 127,991,919.17
24 $ 1,268,133.45 $ 100,000.00 $ 33,956,256.16 $ 35,324,389.61 $ 163,316,308.78
25 $ 1,328,133.45 $ 43,327,816.72 $ 44,655,950.17 $ 207,972,258.96
26 $ 1,388,133.45 $ 100,000.00 $ 55,175,040.30 $ 56,663,173.75 $ 264,635,432.71
27 $ 1,448,133.45 $ 70,207,780.30 $ 71,655,913.75 $ 336,291,346.46
28 $ 1,508,133.45 $ 100,000.00 $ 89,218,094.22 $ 90,826,227.67 $ 427,117,574.13
29 $ 1,568,133.45 $ 113,314,292.42 $ 114,882,425.87 $ 542,000,000.00
 S ORDINARIOS SEMESTRALES QUE SE VAYAN INCREMENTANDO EN
INTERES DEL 48% ANUAL MENSUAL. HALLAR EL SALDO DE LA
AL DE 5 AÑOS Y MEDIO.

conversion de tasa
T efect= 0.48/12 = 0.04x 100= 4 % mensual
(1+ 0.04)12 = (1+ i )2
1.601032219 = (1+ i )2
1.265310019 = 1+ i
0.2653190187= i
i= 26.53% semestral

$ 78,204,726.24 acumulado año 10 y medio

$ 488,133.45 deposito año 5 y meido

TABLA DE AMORTIZACION
Ejercicio 5
UNA ENTIDAD LE HACE UN CREDITO DE $10 MILLLONES Y USTED DEBE PAGAR CUOTAS FIJAS MENSUALES DE $840.000 DURAN
3 AÑOS, QUE INTERES TRIMESTRAL LE ESTAN COBRANDO

Credito $ 10,000,000.00
Cuotas fijas $ 840,000.00 mensual
Periodos o pagos 3 años 36 meses
Interes ? 7.85% mesual
25.45% trimestral

se le está cobrando un interes trimestral del 25,45%

MENSUALES DE $840.000 DURANTE
TABLA DE AMORTIZACION
Ejercicio 6
PREPARAR TABLA DE AMORTIZACION CON PAGO DE CAPITAL EN CUOTAS FIJAS, CON LA SIGUIENTE INFORMACIÓN:
VALOR DEL CREDITO $24 MILLONES
PLAZO 4 AÑOS
INTERES 24% NOMINAL TRIMESTRAL ANTICIPADO
CUOTAS ORDINARIAS MENSUALES
¿CUAL ES EL VALOR DE LA CUOTA ORDINARIA MENSUAL DEL PERIODO 29?

INTERES CAPITAL CUOTA CUOTA

PERIODOS DEUDA PAGADO PAGADO EXTRA ORDINARIA
0 $ 24,000,000.00
1 $ 23,703,964.26 $ 499,200.00 $ 296,035.74 $ 795,235.74
2 $ 23,401,770.98 $ 493,042.46 $ 302,193.28 $ 795,235.74
3 $ 23,093,292.08 $ 486,756.84 $ 308,478.90 $ 795,235.74
4 $ 22,778,396.82 $ 480,340.48 $ 314,895.26 $ 795,235.74
5 $ 22,456,951.73 $ 473,790.65 $ 321,445.08 $ 795,235.74
6 $ 22,128,820.59 $ 467,104.60 $ 328,131.14 $ 795,235.74
7 $ 21,793,864.32 $ 460,279.47 $ 334,956.27 $ 795,235.74
8 $ 21,451,940.96 $ 453,312.38 $ 341,923.36 $ 795,235.74
9 $ 21,102,905.60 $ 446,200.37 $ 349,035.37 $ 795,235.74
10 $ 20,746,610.29 $ 438,940.44 $ 356,295.30 $ 795,235.74
11 $ 20,382,904.05 $ 431,529.49 $ 363,706.24 $ 795,235.74
12 $ 20,011,632.72 $ 423,964.40 $ 371,271.33 $ 795,235.74
13 $ 19,632,638.94 $ 416,241.96 $ 378,993.78 $ 795,235.74
14 $ 19,245,762.09 $ 408,358.89 $ 386,876.85 $ 795,235.74
15 $ 18,850,838.20 $ 400,311.85 $ 394,923.89 $ 795,235.74
16 $ 18,447,699.90 $ 392,097.43 $ 403,138.30 $ 795,235.74
17 $ 18,036,176.32 $ 383,712.16 $ 411,523.58 $ 795,235.74
18 $ 17,616,093.05 $ 375,152.47 $ 420,083.27 $ 795,235.74
19 $ 17,187,272.05 $ 366,414.74 $ 428,821.00 $ 795,235.74
20 $ 16,749,531.57 $ 357,495.26 $ 437,740.48 $ 795,235.74
21 $ 16,302,686.09 $ 348,390.26 $ 446,845.48 $ 795,235.74
22 $ 15,846,546.22 $ 339,095.87 $ 456,139.87 $ 795,235.74
23 $ 15,380,918.64 $ 329,608.16 $ 465,627.58 $ 795,235.74
24 $ 14,905,606.01 $ 319,923.11 $ 475,312.63 $ 795,235.74
25 $ 14,420,406.88 $ 310,036.61 $ 485,199.13 $ 795,235.74
26 $ 13,925,115.61 $ 299,944.46 $ 495,291.27 $ 795,235.74
27 $ 13,419,522.27 $ 289,642.40 $ 505,593.33 $ 795,235.74
28 $ 12,903,412.60 $ 279,126.06 $ 516,109.67 $ 795,235.74
29 $ 12,376,567.84 $ 268,390.98 $ 526,844.76 $ 795,235.74
30 $ 11,838,764.72 $ 257,432.61 $ 537,803.13 $ 795,235.74
31 $ 11,289,775.28 $ 246,246.31 $ 548,989.43 $ 795,235.74
32 $ 10,729,366.87 $ 234,827.33 $ 560,408.41 $ 795,235.74
33 $ 10,157,301.97 $ 223,170.83 $ 572,064.91 $ 795,235.74
34 $ 9,573,338.11 $ 211,271.88 $ 583,963.86 $ 795,235.74
35 $ 8,977,227.80 $ 199,125.43 $ 596,110.31 $ 795,235.74
36 $ 8,368,718.40 $ 186,726.34 $ 608,509.40 $ 795,235.74
37 $ 7,747,552.01 $ 174,069.34 $ 621,166.40 $ 795,235.74
38 $ 7,113,465.35 $ 161,149.08 $ 634,086.66 $ 795,235.74
39 $ 6,466,189.69 $ 147,960.08 $ 647,275.66 $ 795,235.74
40 $ 5,805,450.70 $ 134,496.75 $ 660,738.99 $ 795,235.74
41 $ 5,130,968.34 $ 120,753.37 $ 674,482.36 $ 795,235.74
42 $ 4,442,456.74 $ 106,724.14 $ 688,511.60 $ 795,235.74
43 $ 3,739,624.10 $ 92,403.10 $ 702,832.64 $ 795,235.74
44 $ 3,022,172.55 $ 77,784.18 $ 717,451.56 $ 795,235.74
45 $ 2,289,798.00 $ 62,861.19 $ 732,374.55 $ 795,235.74
46 $ 1,542,190.06 $ 47,627.80 $ 747,607.94 $ 795,235.74
47 $ 779,031.87 $ 32,077.55 $ 763,158.18 $ 795,235.74
48 $ 0.00 $ 16,203.86 $ 779,031.87 $ 795,235.74
UIENTE INFORMACIÓN:

conversion de
tasa iv= ia/(1-ia) 0,06/(1-0,06)
T efect= 0.24/4 = 0.06 x 100= 6% trimestral 0.0638 0.0638
(1+ 0.0638)4 = (1+ i)12
1.280677985 = (1+ i)12
1,02082977= 1+ i
0.02082977= i
i= 2.08% mensual

$ 795,235.74 cuota periodo 29

TABLA DE AMORTIZACION
Ejercicio 7
PREPARAR TABLA DE AMORTIZACION CON PAGO CUOTAS ORDINARIAS FIJAS, CON LA SIGUIENTE INFO
VALOR DEL CREDITO $18 MILLONES
PLAZO 6 AÑOS
INTERES 28% NOMINAL SEMESTRAL ANTICIPADO
CUOTAS ORDNARIAS FIJAS TRIMESTRALES
¿CUAL ES EL VALOR DEL CAPITAL PAGADO EN LA CUOTA NUMERO 11?

INTERES CUOTA CUOTA

PERIODOS DEUDA PAGADO CAPITAL PAGADO EXTRA ORDINARIA
0 $ 18,000,000.00
1 $ 17,723,967.03 $ 1,409,400.00 $ 276,032.97 $ 1,685,432.97
2 $ 17,426,320.68 $ 1,387,786.62 $ 297,646.35 $ 1,685,432.97
3 $ 17,105,368.61 $ 1,364,480.91 $ 320,952.06 $ 1,685,432.97
4 $ 16,759,286.00 $ 1,339,350.36 $ 346,082.61 $ 1,685,432.97
5 $ 16,386,105.13 $ 1,312,252.09 $ 373,180.88 $ 1,685,432.97
6 $ 15,983,704.19 $ 1,283,032.03 $ 402,400.94 $ 1,685,432.97
7 $ 15,549,795.25 $ 1,251,524.04 $ 433,908.93 $ 1,685,432.97
8 $ 15,081,911.25 $ 1,217,548.97 $ 467,884.00 $ 1,685,432.97
9 $ 14,577,391.93 $ 1,180,913.65 $ 504,519.32 $ 1,685,432.97
10 $ 14,033,368.75 $ 1,141,409.79 $ 544,023.18 $ 1,685,432.97
11 $ 13,446,748.55 $ 1,098,812.77 $ 586,620.20 $ 1,685,432.97
12 $ 12,814,195.99 $ 1,052,880.41 $ 632,552.56 $ 1,685,432.97
13 $ 12,132,114.56 $ 1,003,351.55 $ 682,081.43 $ 1,685,432.97
14 $ 11,396,626.16 $ 949,944.57 $ 735,488.40 $ 1,685,432.97
15 $ 10,603,549.02 $ 892,355.83 $ 793,077.14 $ 1,685,432.97
16 $ 9,748,373.93 $ 830,257.89 $ 855,175.08 $ 1,685,432.97
17 $ 8,826,238.64 $ 763,297.68 $ 922,135.29 $ 1,685,432.97
18 $ 7,831,900.15 $ 691,094.49 $ 994,338.49 $ 1,685,432.97
19 $ 6,759,704.96 $ 613,237.78 $ 1,072,195.19 $ 1,685,432.97
20 $ 5,603,556.89 $ 529,284.90 $ 1,156,148.07 $ 1,685,432.97
21 $ 4,356,882.43 $ 438,758.50 $ 1,246,674.47 $ 1,685,432.97
22 $ 3,012,593.35 $ 341,143.89 $ 1,344,289.08 $ 1,685,432.97
23 $ 1,563,046.44 $ 235,886.06 $ 1,449,546.91 $ 1,685,432.97
24 $ (0.00) $ 122,386.54 $ 1,563,046.44 $ 1,685,432.97
CON LA SIGUIENTE INFORMACIÓN:

conversion
de tasa iv= ia/(1-ia) 0,14/(1-0,14)
T efect= 0.28/2 = 0.14x100= 14% semestral0.162790697 16.27%
(1+ 0.1627)2 = (1+ i)4
1.35187129 = (1+ i) 4
1.078285676= 1+ i
0.078285676= i
i= 7.83% trimestral

$ 586,620.20 cuota numero 11