Una Persona, quiere comprar una casa en la Residencia La Alambra, cuya inversión al contado es de 2.

5 millones más gastos

cierre que andan por el orden de un 8% del valor de costo de la vivienda. Se pide financiamiento en un banco de la localidad
plazo de 25 años y pagos mensuales que crecen en un 0.34% cada mes; el cual le ofrece el financiamiento a una tasa del 11
efectivo anual, siempre y cuando se pague un 15% de prima (sobre el costo de contado de la casa). a) Cual es el valor de los
que debe realizar la persona.
B) ELABORE EL CUADRO DE AMORTIZACION DE LA DEUDA
C) CUANTO ES EL SALDO APORTADO EN LA CUOTA 67
D) EL SALDO INSOLUTO AL 226

COSTO 2,500,000.00 $23,058.74 2,325,000.00

GASTOS 200,000.00
PRIMA 375,000.00
VALOR ACTUA 2,325,000.00 variacion 0.34%
NPER 300 0.1722029997077
I% 11.75% 1 -1
12 -0.827797000292
I% MENSUAL 0.9300823619% - 0.00590082
140.28
16,573.40

B) CUADRO DE AMORTIZACION C) 0 D)

AMORTIZACI
PERIODO CUOTA INTERESES DE CAPITAL SALDO INSOLUTO
67 20,734.91 24,394.69 - 3,659.78 2,626,512.23
226 35,569.97 19,948.82 15,621.15 2,129,223.77 D)
COSTO 2,500,000.00 $23,058.74
GASTOS 200,000.00
PRIMA 375,000.00
2,325,000.00 variacion -0.34%
NPER 300 0.0223911580471
11.75% 1 -1
12 -0.977608841953
0.9300823619% - 0.01270082
76.97
30,205.76
INVERS 2,500,000.00 PAGO 0.4283299468 -0.571670053242
GASTOS 75000 - 0.0035602
2,575,000.00 160.57
NPER 240 16,036.54
VARIAC 0.60%
TASA 11.75%
M 2
M 12
0.956024%

INVERS 2,500,000.00 PAGO 0.024043369 -0.975956630995

GASTOS 75000 - 0.0155602
2,575,000.00 62.72
NPER 240 41,054.71
VARIAC -0.60%
TASA 11.75%
M 2
M 12
0.956024%

CONTADO 5,000,000.00 TASA 5.83266%

PLAZO 20 NPER 20
VARIACION - 25,000.00 PAGO -1
TASA 11.50% VF 0
4 TIPO 0
2.8750% VA $11.63 - 428,621.18
2 - 2,225,008.55
EFEC SEM 5.83266% 7,225,008.55
621,378.85

CONTADO 5,000,000.00 TASA 5.83266%

PLAZO 20 NPER 20
VARIACION - 2,500.00 PAGO -1
TASA 11.50% VF 0
4 TIPO 0
2.8750% VA $11.63 - 42,862.12
2 - 222,500.85
EFEC SEM 5.83266% 5,222,500.85
449,155.40

CONTADO 10,000,000.00 TASA 4.27242%

PLAZO 30 NPER 30
VARIACION 30,000.00 PAGO -1
TASA 12.75% VF 0
4 TIPO 0
3.1875% VA $16.73 702,178.11
3 5,745,739.74
EFEC SEM 4.27242% 4,254,260.26
254,226.31
CONTADO 10,000,000.00 TASA 4.27242%
PLAZO 30 NPER 30
VARIACION - 3,000.00 PAGO -1
TASA 12.75% VF 0
4 TIPO 0
3.1875% VA $16.73 - 70,217.81
3 - 574,573.97
EFEC SEM 4.27242% 10,574,573.97
631,915.95
do es de 2.5 millones más gastos de
iento en un banco de la localidad a un
financiamiento a una tasa del 11.75%
a casa). a) Cual es el valor de los pagos

pago PMT (1+g/1+i)n- 1

g-i

PAGO ((((1+0.34%)/(1+0.93%))^300)-1)

-0.827797
- 0.00590082
140.28
pago PMT (1+g/1+i)n- 1
g-i
TASA 5.83266%
NPER 20
PAGO -1
VF 20
TIPO 0
VA $5.19
TASA 5.83266%
NPER 20
PAGO -1
VF 20
TIPO 0
VA $5.19

TASA 4.27242%
NPER 30
PAGO -1
VF 30
TIPO 0
VA $8.18
TASA 4.27242%
NPER 30
PAGO -1
VF 30
TIPO 0
VA $8.18
 3.- Ángela Sándres, quiere comprar una casa en la Residencia La Arboleda, cuya inversión al contado es de 890,000 más ga
Ángela pide financiamiento en un banco de la localidad a un plazo de 20 años y pagos mensuales de 8,000 durante 5 anos
efectivo anual, siempre y cuando se pague un 10% de prima (sobre el costo de contado de la casa). Cual es el valor de la va
cuanto es el saldo insoluto después de realizar el pago No. 207 y Hacer el cuadro de amortización para los pagos; 238, 239

DATOS GENERALES
CAPITAL 890000 PLAZO 20 ANOS
+ GASTOS 53400 5 ANOS PAGOS
-PRIMA 89000 15 VARIACION ???
VA= 854400

PERIODO PAGO INTERESES APORTE A K SALDO INSOLUTO

0 89000 0 89000 854400
1 8000 9,852.47 - 1,852.47 856,252.47
2 8000 9,873.83 - 1,873.83 858,126.31
3 8000 9,895.44 - 1,895.44 860,021.75
4 8000 9,917.30 - 1,917.30 861,939.05
5 8000 9,939.41 - 1,939.41 863,878.46
6 8000 9,961.77 - 1,961.77 865,840.23
7 8000 9,984.40 - 1,984.40 867,824.63
8 8000 10,007.28 - 2,007.28 869,831.91
9 8000 10,030.43 - 2,030.43 871,862.33
10 8000 10,053.84 - 2,053.84 873,916.17
11 8000 10,077.52 - 2,077.52 875,993.69
12 8000 10,101.48 - 2,101.48 878,095.17
13 8000 10,125.71 - 2,125.71 880,220.89
14 8000 10,150.23 - 2,150.23 882,371.11
15 8000 10,175.02 - 2,175.02 884,546.13
16 8000 10,200.10 - 2,200.10 886,746.23
17 8000 10,225.47 - 2,225.47 888,971.70
18 8000 10,251.13 - 2,251.13 891,222.84
19 8000 10,277.09 - 2,277.09 893,499.93
20 8000 10,303.35 - 2,303.35 895,803.28
21 8000 10,329.91 - 2,329.91 898,133.20
22 8000 10,356.78 - 2,356.78 900,489.98
23 8000 10,383.96 - 2,383.96 902,873.94
24 8000 10,411.45 - 2,411.45 905,285.38
25 8000 10,439.26 - 2,439.26 907,724.64
26 8000 10,467.38 - 2,467.38 910,192.02
 27 8000 10,495.84 - 2,495.84 912,687.86
28 8000 10,524.62 - 2,524.62 915,212.47
29 8000 10,553.73 - 2,553.73 917,766.20
30 8000 10,583.18 - 2,583.18 920,349.38
31 8000 10,612.97 - 2,612.97 922,962.35
32 8000 10,643.10 - 2,643.10 925,605.44
33 8000 10,673.58 - 2,673.58 928,279.02
34 8000 10,704.41 - 2,704.41 930,983.42
35 8000 10,735.59 - 2,735.59 933,719.01
36 8000 10,767.14 - 2,767.14 936,486.15
37 8000 10,799.05 - 2,799.05 939,285.19
38 8000 10,831.32 - 2,831.32 942,116.52
39 8000 10,863.97 - 2,863.97 944,980.49
40 8000 10,897.00 - 2,897.00 947,877.49
41 8000 10,930.40 - 2,930.40 950,807.89
42 8000 10,964.20 - 2,964.20 953,772.09
43 8000 10,998.38 - 2,998.38 956,770.46
44 8000 11,032.95 - 3,032.95 959,803.42
45 8000 11,067.93 - 3,067.93 962,871.34
46 8000 11,103.31 - 3,103.31 965,974.65
47 8000 11,139.09 - 3,139.09 969,113.74
48 8000 11,175.29 - 3,175.29 972,289.03
49 8000 11,211.90 - 3,211.90 975,500.93
50 8000 11,248.94 - 3,248.94 978,749.88
51 8000 11,286.41 - 3,286.41 982,036.28
52 8000 11,324.30 - 3,324.30 985,360.59
53 8000 11,362.64 - 3,362.64 988,723.23 TASA
54 8000 11,401.41 - 3,401.41 992,124.64 NPER
55 8000 11,440.64 - 3,440.64 995,565.28 PAGO
56 8000 11,480.31 - 3,480.31 999,045.59 VA
57 8000 11,520.45 - 3,520.45 1,002,566.04 TIPO
58 8000 11,561.04 - 3,561.04 1,006,127.08 VF
59 8000 11,602.11 - 3,602.11 1,009,729.19
60 8000 11,643.64 - 3,643.64 1,013,372.83

VA TASA 1.1531%
1,013,372.83 = NPER 181
PAGO -8000
VF 0
TIPO 0 + G
 VA= $606,671.20 1.1531%

1,013,372.83 - $606,671.20
= G
$53.11
1.1531%

88.2982134 = G

1,009,729.19 181
60 8000 11,643.64 - 3,643.64 1,013,372.83
61 8,088.30 11,685.66 - 3,597.36 1,016,970.20
62 8,176.60 11,727.14 - 3,550.55 1,020,520.74
63 8,264.89 11,768.09 - 3,503.19 1,024,023.93
64 8,353.19 11,808.48 - 3,455.29 1,027,479.22
65 8,441.49 11,848.33 - 3,406.84 1,030,886.06
66 8,529.79 11,887.61 - 3,357.82 1,034,243.89
67 8,618.09 11,926.33 - 3,308.25 1,037,552.13
68 8,706.39 11,964.48 - 3,258.10 1,040,810.23
69 8,794.68 12,002.05 - 3,207.37 1,044,017.60
70 8,882.98 12,039.04 - 3,156.06 1,047,173.66
71 8,971.28 12,075.43 - 3,104.15 1,050,277.81
72 9,059.58 12,111.23 - 3,051.65 1,053,329.46
73 9,147.88 12,146.42 - 2,998.54 1,056,328.00
74 9,236.17 12,181.00 - 2,944.82 1,059,272.82
75 9,324.47 12,214.95 - 2,890.48 1,062,163.30
76 9,412.77 12,248.29 - 2,835.51 1,064,998.82
77 9,501.07 12,280.98 - 2,779.91 1,067,778.73
78 9,589.37 12,313.04 - 2,723.67 1,070,502.40
79 9,677.67 12,344.45 - 2,666.78 1,073,169.18
80 9,765.96 12,375.20 - 2,609.24 1,075,778.42
81 9,854.26 12,405.29 - 2,551.03 1,078,329.44
82 9,942.56 12,434.70 - 2,492.14 1,080,821.59
83 10,030.86 12,463.44 - 2,432.58 1,083,254.17
84 10,119.16 12,491.49 - 2,372.34 1,085,626.51
85 10,207.46 12,518.85 - 2,311.40 1,087,937.90
86 10,295.75 12,545.50 - 2,249.75 1,090,187.65
87 10,384.05 12,571.45 - 2,187.40 1,092,375.05
88 10,472.35 12,596.67 - 2,124.32 1,094,499.37
89 10,560.65 12,621.17 - 2,060.52 1,096,559.89
90 10,648.95 12,644.93 - 1,995.98 1,098,555.87
 91 10,737.24 12,667.94 - 1,930.70 1,100,486.57
92 10,825.54 12,690.21 - 1,864.67 1,102,351.24
93 10,913.84 12,711.71 - 1,797.87 1,104,149.11
94 11,002.14 12,732.44 - 1,730.30 1,105,879.41
95 11,090.44 12,752.40 - 1,661.96 1,107,541.37
96 11,178.74 12,771.56 - 1,592.82 1,109,134.19
97 11,267.03 12,789.93 - 1,522.89 1,110,657.09
98 11,355.33 12,807.49 - 1,452.16 1,112,109.24
99 11,443.63 12,824.23 - 1,380.60 1,113,489.85
100 11,531.93 12,840.16 - 1,308.23 1,114,798.07
101 11,620.23 12,855.24 - 1,235.01 1,116,033.09
102 11,708.52 12,869.48 - 1,160.96 1,117,194.05
103 11,796.82 12,882.87 - 1,086.05 1,118,280.09
104 11,885.12 12,895.39 - 1,010.27 1,119,290.36
105 11,973.42 12,907.04 - 933.62 1,120,223.99
106 12,061.72 12,917.81 - 856.09 1,121,080.08
107 12,150.02 12,927.68 - 777.67 1,121,857.75
108 12,238.31 12,936.65 - 698.33 1,122,556.08
109 12,326.61 12,944.70 - 618.09 1,123,174.17
110 12,414.91 12,951.83 - 536.92 1,123,711.09
111 12,503.21 12,958.02 - 454.81 1,124,165.90
112 12,591.51 12,963.27 - 371.76 1,124,537.66
113 12,679.81 12,967.55 - 287.75 1,124,825.41
114 12,768.10 12,970.87 - 202.77 1,125,028.17
115 12,856.40 12,973.21 - 116.81 1,125,144.98
116 12,944.70 12,974.56 - 29.86 1,125,174.84
117 13,033.00 12,974.90 58.10 1,125,116.74
118 13,121.30 12,974.23 147.07 1,124,969.67
119 13,209.59 12,972.53 237.06 1,124,732.61
120 13,297.89 12,969.80 328.09 1,124,404.52
121 13,386.19 12,966.02 420.17 1,123,984.35
122 13,474.49 12,961.17 513.32 1,123,471.03
123 13,562.79 12,955.25 607.53 1,122,863.49
124 13,651.09 12,948.25 702.84 1,122,160.65
125 13,739.38 12,940.14 799.24 1,121,361.41
126 13,827.68 12,930.93 896.76 1,120,464.66
127 13,915.98 12,920.58 995.40 1,119,469.26
128 14,004.28 12,909.11 1,095.17 1,118,374.09
129 14,092.58 12,896.48 1,196.10 1,117,177.99
130 14,180.87 12,882.68 1,298.19 1,115,879.80
131 14,269.17 12,867.71 1,401.46 1,114,478.34
132 14,357.47 12,851.55 1,505.92 1,112,972.42
133 14,445.77 12,834.19 1,611.58 1,111,360.84
134 14,534.07 12,815.60 1,718.46 1,109,642.38
135 14,622.37 12,795.79 1,826.58 1,107,815.80
136 14,710.66 12,774.73 1,935.94 1,105,879.86
137 14,798.96 12,752.40 2,046.56 1,103,833.30
138 14,887.26 12,728.80 2,158.46 1,101,674.84
139 14,975.56 12,703.91 2,271.65 1,099,403.19
140 15,063.86 12,677.72 2,386.14 1,097,017.05
141 15,152.16 12,650.20 2,501.96 1,094,515.10
142 15,240.45 12,621.35 2,619.10 1,091,895.99
143 15,328.75 12,591.15 2,737.61 1,089,158.39
144 15,417.05 12,559.58 2,857.47 1,086,300.91
145 15,505.35 12,526.63 2,978.72 1,083,322.19
146 15,593.65 12,492.28 3,101.37 1,080,220.83
147 15,681.94 12,456.51 3,225.43 1,076,995.40
148 15,770.24 12,419.32 3,350.92 1,073,644.47
149 15,858.54 12,380.68 3,477.86 1,070,166.61
150 15,946.84 12,340.58 3,606.26 1,066,560.35
151 16,035.14 12,298.99 3,736.15 1,062,824.20
152 16,123.44 12,255.91 3,867.53 1,058,956.67
153 16,211.73 12,211.31 4,000.43 1,054,956.25
154 16,300.03 12,165.18 4,134.85 1,050,821.39
155 16,388.33 12,117.50 4,270.83 1,046,550.56
156 16,476.63 12,068.25 4,408.38 1,042,142.18
157 16,564.93 12,017.41 4,547.51 1,037,594.67
158 16,653.22 11,964.97 4,688.25 1,032,906.41
159 16,741.52 11,910.91 4,830.61 1,028,075.80
160 16,829.82 11,855.21 4,974.61 1,023,101.19
161 16,918.12 11,797.84 5,120.28 1,017,980.91
162 17,006.42 11,738.80 5,267.62 1,012,713.29
163 17,094.72 11,678.06 5,416.66 1,007,296.63
164 17,183.01 11,615.59 5,567.42 1,001,729.21
165 17,271.31 11,551.39 5,719.92 996,009.29
166 17,359.61 11,485.43 5,874.18 990,135.11
167 17,447.91 11,417.70 6,030.21 984,104.90
168 17,536.21 11,348.16 6,188.05 977,916.85
169 17,624.51 11,276.80 6,347.70 971,569.15
170 17,712.80 11,203.60 6,509.20 965,059.95
171 17,801.10 11,128.54 6,672.56 958,387.39
172 17,889.40 11,051.60 6,837.80 951,549.59
173 17,977.70 10,972.75 7,004.95 944,544.64
174 18,066.00 10,891.97 7,174.02 937,370.61
175 18,154.29 10,809.24 7,345.05 930,025.56
176 18,242.59 10,724.55 7,518.05 922,507.52
177 18,330.89 10,637.85 7,693.04 914,814.48
178 18,419.19 10,549.14 7,870.05 906,944.43
179 18,507.49 10,458.39 8,049.10 898,895.33
180 18,595.79 10,365.57 8,230.22 890,665.11
181 18,684.08 10,270.66 8,413.42 882,251.69
182 18,772.38 10,173.64 8,598.74 873,652.95
183 18,860.68 10,074.49 8,786.19 864,866.76
184 18,948.98 9,973.17 8,975.81 855,890.95
185 19,037.28 9,869.67 9,167.61 846,723.34
186 19,125.57 9,763.95 9,361.63 837,361.71
187 19,213.87 9,656.00 9,557.88 827,803.83
188 19,302.17 9,545.78 9,756.39 818,047.44
189 19,390.47 9,433.28 9,957.19 808,090.25
190 19,478.77 9,318.45 10,160.31 797,929.94
191 19,567.07 9,201.29 10,365.77 787,564.16
192 19,655.36 9,081.76 10,573.61 776,990.56
193 19,743.66 8,959.83 10,783.83 766,206.72
194 19,831.96 8,835.48 10,996.48 755,210.24
195 19,920.26 8,708.67 11,211.59 743,998.65
196 20,008.56 8,579.38 11,429.17 732,569.48
197 20,096.86 8,447.59 11,649.27 720,920.21
198 20,185.15 8,313.26 11,871.90 709,048.32
199 20,273.45 8,176.36 12,097.09 696,951.22
200 20,361.75 8,036.86 12,324.89 684,626.33
201 20,450.05 7,894.74 12,555.31 672,071.02
202 20,538.35 7,749.95 12,788.39 659,282.63
203 20,626.64 7,602.49 13,024.16 646,258.47
204 20,714.94 7,452.30 13,262.64 632,995.83
205 20,803.24 7,299.36 13,503.88 619,491.95
206 20,891.54 7,143.64 13,747.90 605,744.05
207 20,979.84 6,985.11 13,994.73 591,749.32
208 21,068.14 6,823.73 14,244.41 577,504.91
209 21,156.43 6,659.47 14,496.96 563,007.95
210 21,244.73 6,492.30 14,752.43 548,255.52
211 21,333.03 6,322.18 15,010.85 533,244.67
212 21,421.33 6,149.09 15,272.24 517,972.43
213 21,509.63 5,972.97 15,536.65 502,435.77
214 21,597.92 5,793.81 15,804.11 486,631.66
215 21,686.22 5,611.57 16,074.65 470,557.01
216 21,774.52 5,426.21 16,348.32 454,208.70
217 21,862.82 5,237.69 16,625.13 437,583.56
218 21,951.12 5,045.97 16,905.14 420,678.42
219 22,039.42 4,851.03 17,188.38 403,490.04
220 22,127.71 4,652.83 17,474.89 386,015.15
221 22,216.01 4,451.32 17,764.70 368,250.45
222 22,304.31 4,246.46 18,057.85 350,192.60
223 22,392.61 4,038.23 18,354.38 331,838.22
224 22,480.91 3,826.58 18,654.33 313,183.89
225 22,569.21 3,611.47 18,957.74 294,226.15
226 22,657.50 3,392.85 19,264.65 274,961.50
227 22,745.80 3,170.71 19,575.10 255,386.41
228 22,834.10 2,944.98 19,889.12 235,497.28
229 22,922.40 2,715.63 20,206.77 215,290.51
230 23,010.70 2,482.61 20,528.08 194,762.43
231 23,098.99 2,245.89 20,853.10 173,909.33
232 23,187.29 2,005.43 21,181.87 152,727.46
233 23,275.59 1,761.17 21,514.42 131,213.04
234 23,363.89 1,513.08 21,850.81 109,362.23
235 23,452.19 1,261.11 22,191.08 87,171.15
236 23,540.49 1,005.21 22,535.28 64,635.87
237 23,628.78 745.35 22,883.44 41,752.43
238 23,717.08 481.47 23,235.62 18,516.82
239 23,805.38 213.53 23,591.85 - 5,075.04
240 23,893.68 - 58.52 23,952.20 - 29,027.24
sión al contado es de 890,000 más gastos de cierre que andan por el orden de un 6% del costo.
s mensuales de 8,000 durante 5 anos; el cual le ofrece el financiamiento a una tasa del 14.75%
do de la casa). Cual es el valor de la variacion constante para terminar de cancelar la deuda. De
amortización para los pagos; 238, 239 y 240 .

TASA 14.75% 1.1531%

8000 1
12
 1.1531%
60
-8000
854400
0
-$1,013,372.83

TASA 1.1531% TASA EFECTIVA

NPER 181 EL TOTAL DE CUOTAS 20 240
PAGO -1 VALOR SIEMPRE -1 181
VF 181 SIEMPRE ES EL NUMERO DE CUOTAS CON GRADIENTE
TIPO 0
VA= $53.11