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El valor de un torno se cancela en 18 cuotas mensuales, que aumentan cada mes en $30.

000, y el valor de la
primera es de $220.000. Si la tasa de interés es del 3,5% mensual, hallar el valor del torno.

#Pagos= 18 Periodo Interés Cuota Abono Saldo


G= 30,000 0 5,901,028
A= 220,000 1 206,536 220,000 13,464 5,887,564
i= 3.50% mensual 2 206,065 250,000 43,935 5,843,629
P= 5,901,028 3 204,527 280,000 75,473 5,768,156
4 201,885 310,000 108,115 5,660,041
5 198,101 340,000 141,899 5,518,143
6 193,135 370,000 176,865 5,341,278
7 186,945 400,000 213,055 5,128,223
8 179,488 430,000 250,512 4,877,710
9 170,720 460,000 289,280 4,588,430
10 160,595 490,000 329,405 4,259,025
11 149,066 520,000 370,934 3,888,091
12 136,083 550,000 413,917 3,474,174
13 121,596 580,000 458,404 3,015,770
14 105,552 610,000 504,448 2,511,322
15 87,896 640,000 552,104 1,959,219
16 68,573 670,000 601,427 1,357,791
17 47,523 700,000 652,477 705,314
18 24,686 730,000 705,314 0

Una deuda se está cancelando con 6 cuotas mensuales, que aumentan cada mes en $5.000. El valor de la
primera cuota es de $100.000. Si la tasa de interés que se cobra en la operación es del 1,5% mensual, calcular el
valor inicial de la deuda
#Pagos= 6 Periodo Interés Cuota Abono Saldo
G= 5,000 0 639,697
A= 100,000 1 9,595 100,000 90,405 549,292
i= 1.50% mensual 2 8,239 105,000 96,761 452,532
P= 639,697 3 6,788 110,000 103,212 349,320
4 5,240 115,000 109,760 239,559
5 3,593 120,000 116,407 123,153
6 1,847 125,000 123,153 0

¿Cuál será el valor de un artículo que se financia en 36 cuotas mensuales anticipadas, que crecen cada mes en
$40.000, si la primera cuota tiene un valor de $150.000 y se paga el mismo día de la negociación? La tasa de
interés es del 3% mensual
Periodo Interés Cuota Abono Saldo
#Pagos= 36 0 150,000 16,147,640
G= 40,000 1 484,429 190,000 -294,429 16,442,069
A1= 150,000 2 493,262 230,000 -263,262 16,705,331
A2= 190,000 3 501,160 270,000 -231,160 16,936,491
i= 3.00% mensual 4 508,095 310,000 -198,095 17,134,586
5 514,038 350,000 -164,038 17,298,624
P= 16,297,640 6 518,959 390,000 -128,959 17,427,582
7 522,827 430,000 -92,827 17,520,410
8 525,612 470,000 -55,612 17,576,022
9 527,281 510,000 -17,281 17,593,303
10 527,799 550,000 22,201 17,571,102
11 527,133 590,000 62,867 17,508,235
12 525,247 630,000 104,753 17,403,482
13 522,104 670,000 147,896 17,255,586
14 517,668 710,000 192,332 17,063,254
15 511,898 750,000 238,102 16,825,152
16 504,755 790,000 285,245 16,539,906
17 496,197 830,000 333,803 16,206,103
18 486,183 870,000 383,817 15,822,286
19 474,669 910,000 435,331 15,386,955
20 461,609 950,000 488,391 14,898,564
21 446,957 990,000 543,043 14,355,520
22 430,666 1,030,000 599,334 13,756,186
23 412,686 1,070,000 657,314 13,098,872
24 392,966 1,110,000 717,034 12,381,838
25 371,455 1,150,000 778,545 11,603,293
26 348,099 1,190,000 841,901 10,761,392
27 322,842 1,230,000 907,158 9,854,234
28 295,627 1,270,000 974,373 8,879,861
29 266,396 1,310,000 1,043,604 7,836,256
30 235,088 1,350,000 1,114,912 6,721,344
31 201,640 1,390,000 1,188,360 5,532,984
32 165,990 1,430,000 1,264,010 4,268,974
33 128,069 1,470,000 1,341,931 2,927,043
34 87,811 1,510,000 1,422,189 1,504,854
35 45,146 1,550,000 1,504,854 0

En una institución financiera que reconoce una tasa de interés del 15% semestral, se hacen depósitos
semestrales, que aumentan cada semestre en $20.000, durante 12 años. Si el valor del primer depósito es de
$300.000, calcular el valor acumulado al final del año doce
#Pagos= 24 Periodo Interés Depósito Capitalización Saldo
G= 20,000 0 0
A= 300,000 1 0 300,000 300,000 300,000
i= 15.00% semestral 2 45,000 320,000 365,000 665,000
P= 76,606,065 3 99,750 340,000 439,750 1,104,750
4 165,713 360,000 525,713 1,630,463
5 244,569 380,000 624,569 2,255,032
6 338,255 400,000 738,255 2,993,287
7 448,993 420,000 868,993 3,862,280
8 579,342 440,000 1,019,342 4,881,622
9 732,243 460,000 1,192,243 6,073,865
10 911,080 480,000 1,391,080 7,464,945
11 1,119,742 500,000 1,619,742 9,084,686
12 1,362,703 520,000 1,882,703 10,967,389
13 1,645,108 540,000 2,185,108 13,152,498
14 1,972,875 560,000 2,532,875 15,685,372
15 2,352,806 580,000 2,932,806 18,618,178
16 2,792,727 600,000 3,392,727 22,010,905
17 3,301,636 620,000 3,921,636 25,932,540
18 3,889,881 640,000 4,529,881 30,462,422
19 4,569,363 660,000 5,229,363 35,691,785
20 5,353,768 680,000 6,033,768 41,725,552
21 6,258,833 700,000 6,958,833 48,684,385
22 7,302,658 720,000 8,022,658 56,707,043
23 8,506,056 740,000 9,246,056 65,953,100
24 9,892,965 760,000 10,652,965 76,606,065

Financiar una vivienda que tiene un valor de $150.000.000 a una tasa de interés del 2,5% mensual, por medio de
60 cuotas mensuales que aumenten cada mes $20.000. Calcular el valor de la primera cuota y el saldo de la
deuda después de cancelar la cuota No 45
#Pagos= 60 Periodo Interés Cuota Abono Saldo
G= 20,000 0 150,000,000
P= 1 3,750,000 4,405,972 655,972 149,344,028
i= 2.50% mensual 2 3,733,601 4,425,972 692,372 148,651,656
3 3,716,291 4,445,972 729,681 147,921,975
4 3,698,049 4,465,972 767,923 147,154,052
5 3,678,851 4,485,972 807,121 146,346,931
6 3,658,673 4,505,972 847,299 145,499,632
7 3,637,491 4,525,972 888,482 144,611,150
8 3,615,279 4,545,972 930,694 143,680,456
9 3,592,011 4,565,972 973,961 142,706,495
10 3,567,662 4,585,972 1,018,310 141,688,185
11 3,542,205 4,605,972 1,063,768 140,624,418
12 3,515,610 4,625,972 1,110,362 139,514,056
13 3,487,851 4,645,972 1,158,121 138,355,935
14 3,458,898 4,665,972 1,207,074 137,148,861
15 3,428,722 4,685,972 1,257,251 135,891,610
16 3,397,290 4,705,972 1,308,682 134,582,928
17 3,364,573 4,725,972 1,361,399 133,221,529
18 3,330,538 4,745,972 1,415,434 131,806,094
19 3,295,152 4,765,972 1,470,820 130,335,274
20 3,258,382 4,785,972 1,527,591 128,807,684
21 3,220,192 4,805,972 1,585,780 127,221,904
22 3,180,548 4,825,972 1,645,425 125,576,479
23 3,139,412 4,845,972 1,706,560 123,869,918
24 3,096,748 4,865,972 1,769,224 122,100,694
25 3,052,517 4,885,972 1,833,455 120,267,239
26 3,006,681 4,905,972 1,899,291 118,367,947
27 2,959,199 4,925,972 1,966,774 116,401,174
28 2,910,029 4,945,972 2,035,943 114,365,231
29 2,859,131 4,965,972 2,106,842 112,258,389
30 2,806,460 4,985,972 2,179,513 110,078,876
31 2,751,972 5,005,972 2,254,000 107,824,876
32 2,695,622 5,025,972 2,330,350 105,494,525
33 2,637,363 5,045,972 2,408,609 103,085,916
34 2,577,148 5,065,972 2,488,824 100,597,092
35 2,514,927 5,085,972 2,571,045 98,026,047
36 2,450,651 5,105,972 2,655,321 95,370,725
37 2,384,268 5,125,972 2,741,704 92,629,021
38 2,315,726 5,145,972 2,830,247 89,798,774
39 2,244,969 5,165,972 2,921,003 86,877,771
40 2,171,944 5,185,972 3,014,028 83,863,743
41 2,096,594 5,205,972 3,109,379 80,754,364
42 2,018,859 5,225,972 3,207,113 77,547,251
43 1,938,681 5,245,972 3,307,291 74,239,960
44 1,855,999 5,265,972 3,409,973 70,829,987
45 1,770,750 5,285,972 3,515,223 67,314,764
46 1,682,869 5,305,972 3,623,103 63,691,661
47 1,592,292 5,325,972 3,733,681 59,957,980
48 1,498,949 5,345,972 3,847,023 56,110,957
49 1,402,774 5,365,972 3,963,198 52,147,758
50 1,303,694 5,385,972 4,082,278 48,065,480
51 1,201,637 5,405,972 4,204,335 43,861,144
52 1,096,529 5,425,972 4,329,444 39,531,701
53 988,293 5,445,972 4,457,680 35,074,021
54 876,851 5,465,972 4,589,122 30,484,899
55 762,122 5,485,972 4,723,850 25,761,049
56 644,026 5,505,972 4,861,946 20,899,103
57 522,478 5,525,972 5,003,495 15,895,608
58 397,390 5,545,972 5,148,582 10,747,026
59 268,676 5,565,972 5,297,297 5,449,729
60 136,243 5,585,972 5,449,729 0

Un padre de familia necesita disponer de $8.000.000 para pagar las matriculas universitarias de sus hijos, por lo
cual depositará en una cuenta de ahorro $253.889 al final del primer mes, si le reconocen una tasa de interés
del 1% mensual, y cada mes puede aumentar sus depósitos en $15.000. ¿En cuánto tiempo tendrá el valor
requerido?
G= 15,000 Periodo Interés Cuota Abono Saldo
F= 8,000,000 0 0
A= 253,889 1 0 253,889 253,889 253,889
i= 1.00% mensual 2 2,539 268,889 271,428 525,317
3 5,253 283,889 289,142 814,459
4 8,145 298,889 307,034 1,121,493
5 11,215 313,889 325,104 1,446,597
6 14,466 328,889 343,355 1,789,952
7 17,900 343,889 361,789 2,151,740
8 21,517 358,889 380,406 2,532,146
9 25,321 373,889 399,210 2,931,357
10 29,314 388,889 418,203 3,349,559
11 33,496 403,889 437,385 3,786,944
12 37,869 418,889 456,758 4,243,703
13 42,437 433,889 476,326 4,720,029
14 47,200 448,889 496,089 5,216,118
15 52,161 463,889 516,050 5,732,168
16 57,322 478,889 536,211 6,268,379
17 62,684 493,889 556,573 6,824,951
18 68,250 508,889 577,139 7,402,090
19 74,021 523,889 597,910 8,000,000
Una vivienda se está cancelando con 120 cuotas mensuales que decrecen en $20.000 cada mes, siendo la
primera cuota $3.900.000. Si la tasa de financiación que se cobra es del 2,5% mensual, calcular el valor de la
vivienda
#Pagos= 120 Periodo Interés Cuota Abono Saldo
G= 20,000 0 122,553,581
A= 3,900,000 1 3,063,840 3,900,000 836,160 121,717,420
i= 2.50% mensual 2 3,042,936 3,880,000 837,064 120,880,356
P= 122,553,581 3 3,022,009 3,860,000 837,991 120,042,365
4 3,001,059 3,840,000 838,941 119,203,424
5 2,980,086 3,820,000 839,914 118,363,509
6 2,959,088 3,800,000 840,912 117,522,597
7 2,938,065 3,780,000 841,935 116,680,662
8 2,917,017 3,760,000 842,983 115,837,679
9 2,895,942 3,740,000 844,058 114,993,621
10 2,874,841 3,720,000 845,159 114,148,461
11 2,853,712 3,700,000 846,288 113,302,173
12 2,832,554 3,680,000 847,446 112,454,727
13 2,811,368 3,660,000 848,632 111,606,095
14 2,790,152 3,640,000 849,848 110,756,248
15 2,768,906 3,620,000 851,094 109,905,154
16 2,747,629 3,600,000 852,371 109,052,783
17 2,726,320 3,580,000 853,680 108,199,102
18 2,704,978 3,560,000 855,022 107,344,080
19 2,683,602 3,540,000 856,398 106,487,682
20 2,662,192 3,520,000 857,808 105,629,874
21 2,640,747 3,500,000 859,253 104,770,621
22 2,619,266 3,480,000 860,734 103,909,886
23 2,597,747 3,460,000 862,253 103,047,633
24 2,576,191 3,440,000 863,809 102,183,824
25 2,554,596 3,420,000 865,404 101,318,420
26 2,532,960 3,400,000 867,040 100,451,380
27 2,511,285 3,380,000 868,715 99,582,665
28 2,489,567 3,360,000 870,433 98,712,231
29 2,467,806 3,340,000 872,194 97,840,037
30 2,446,001 3,320,000 873,999 96,966,038
31 2,424,151 3,300,000 875,849 96,090,189
32 2,402,255 3,280,000 877,745 95,212,444
33 2,380,311 3,260,000 879,689 94,332,755
34 2,358,319 3,240,000 881,681 93,451,074
35 2,336,277 3,220,000 883,723 92,567,350
36 2,314,184 3,200,000 885,816 91,681,534
37 2,292,038 3,180,000 887,962 90,793,573
38 2,269,839 3,160,000 890,161 89,903,412
39 2,247,585 3,140,000 892,415 89,010,997
40 2,225,275 3,120,000 894,725 88,116,272
41 2,202,907 3,100,000 897,093 87,219,179
42 2,180,479 3,080,000 899,521 86,319,658
43 2,157,991 3,060,000 902,009 85,417,650
44 2,135,441 3,040,000 904,559 84,513,091
45 2,112,827 3,020,000 907,173 83,605,918
46 2,090,148 3,000,000 909,852 82,696,066
47 2,067,402 2,980,000 912,598 81,783,468
48 2,044,587 2,960,000 915,413 80,868,055
49 2,021,701 2,940,000 918,299 79,949,756
50 1,998,744 2,920,000 921,256 79,028,500
51 1,975,712 2,900,000 924,288 78,104,212
52 1,952,605 2,880,000 927,395 77,176,818
53 1,929,420 2,860,000 930,580 76,246,238
54 1,906,156 2,840,000 933,844 75,312,394
55 1,882,810 2,820,000 937,190 74,375,204
56 1,859,380 2,800,000 940,620 73,434,584
57 1,835,865 2,780,000 944,135 72,490,449
58 1,812,261 2,760,000 947,739 71,542,710
59 1,788,568 2,740,000 951,432 70,591,278
60 1,764,782 2,720,000 955,218 69,636,060
61 1,740,901 2,700,000 959,099 68,676,961
62 1,716,924 2,680,000 963,076 67,713,885
63 1,692,847 2,660,000 967,153 66,746,732
64 1,668,668 2,640,000 971,332 65,775,400
65 1,644,385 2,620,000 975,615 64,799,785
66 1,619,995 2,600,000 980,005 63,819,780
67 1,595,495 2,580,000 984,505 62,835,275
68 1,570,882 2,560,000 989,118 61,846,157
69 1,546,154 2,540,000 993,846 60,852,310
70 1,521,308 2,520,000 998,692 59,853,618
71 1,496,340 2,500,000 1,003,660 58,849,959
72 1,471,249 2,480,000 1,008,751 57,841,208
73 1,446,030 2,460,000 1,013,970 56,827,238
74 1,420,681 2,440,000 1,019,319 55,807,919
75 1,395,198 2,420,000 1,024,802 54,783,117
76 1,369,578 2,400,000 1,030,422 53,752,695
77 1,343,817 2,380,000 1,036,183 52,716,512
78 1,317,913 2,360,000 1,042,087 51,674,425
79 1,291,861 2,340,000 1,048,139 50,626,285
80 1,265,657 2,320,000 1,054,343 49,571,943
81 1,239,299 2,300,000 1,060,701 48,511,241
82 1,212,781 2,280,000 1,067,219 47,444,022
83 1,186,101 2,260,000 1,073,899 46,370,123
84 1,159,253 2,240,000 1,080,747 45,289,376
85 1,132,234 2,220,000 1,087,766 44,201,610
86 1,105,040 2,200,000 1,094,960 43,106,650
87 1,077,666 2,180,000 1,102,334 42,004,317
88 1,050,108 2,160,000 1,109,892 40,894,425
89 1,022,361 2,140,000 1,117,639 39,776,785
90 994,420 2,120,000 1,125,580 38,651,205
91 966,280 2,100,000 1,133,720 37,517,485
92 937,937 2,080,000 1,142,063 36,375,422
93 909,386 2,060,000 1,150,614 35,224,808
94 880,620 2,040,000 1,159,380 34,065,428
95 851,636 2,020,000 1,168,364 32,897,063
96 822,427 2,000,000 1,177,573 31,719,490
97 792,987 1,980,000 1,187,013 30,532,477
98 763,312 1,960,000 1,196,688 29,335,789
99 733,395 1,940,000 1,206,605 28,129,184
100 703,230 1,920,000 1,216,770 26,912,414
101 672,810 1,900,000 1,227,190 25,685,224
102 642,131 1,880,000 1,237,869 24,447,355
103 611,184 1,860,000 1,248,816 23,198,538
104 579,963 1,840,000 1,260,037 21,938,502
105 548,463 1,820,000 1,271,537 20,666,964
106 516,674 1,800,000 1,283,326 19,383,639
107 484,591 1,780,000 1,295,409 18,088,229
108 452,206 1,760,000 1,307,794 16,780,435
109 419,511 1,740,000 1,320,489 15,459,946
110 386,499 1,720,000 1,333,501 14,126,445
111 353,161 1,700,000 1,346,839 12,779,606
112 319,490 1,680,000 1,360,510 11,419,096
113 285,477 1,660,000 1,374,523 10,044,573
114 251,114 1,640,000 1,388,886 8,655,688
115 216,392 1,620,000 1,403,608 7,252,080
116 181,302 1,600,000 1,418,698 5,833,382
117 145,835 1,580,000 1,434,165 4,399,216
118 109,980 1,560,000 1,450,020 2,949,197
119 73,730 1,540,000 1,466,270 1,482,927
120 37,073 1,520,000 1,482,927 0

Una persona realiza depósitos en una institución bancaria que disminuyen en $15.000 cada mes, si se devenga
un interés del 2,5% mensual, ¿cuál será el valor que se tendrá acumulado al cabo de 12 meses, si el depósito del
primer mes es $600.000
#Depositos= 12 Periodo Interés Depósitos Capitalización Saldo
G= 15,000 0 0
A= 600,000 1 0 600,000 600,000 600,000
i= 2.50% mensual 2 15,000 585,000 600,000 1,200,000
P= 7,200,000 3 30,000 570,000 600,000 1,800,000
4 45,000 555,000 600,000 2,400,000
5 60,000 540,000 600,000 3,000,000
6 75,000 525,000 600,000 3,600,000
7 90,000 510,000 600,000 4,200,000
8 105,000 495,000 600,000 4,800,000
9 120,000 480,000 600,000 5,400,000
10 135,000 465,000 600,000 6,000,000
11 150,000 450,000 600,000 6,600,000
12 165,000 435,000 600,000 7,200,000
Una obligación se está cancelando en 24 cuotas mensuales que aumentan un 10% cada mes. Si el valor de la primera
cuota es $850.000 y se cobra una tasa de interés del 3% mensual, calcular: a) El valor de la obligación, b) El valor de la
cuota 18.
#Pagos= 24 Periodo Interés Cuota Abono
j= 10.00% 0
k= 850,000 1 1,400,830 850,000 -550,830
i= 3.00% mensual 2 1,417,355 935,000 -482,355
P= 46,694,335 3 1,431,826 1,028,500 -403,326
4 1,443,925 1,131,350 -312,575
5 1,453,303 1,244,485 -208,818
6 1,459,567 1,368,934 -90,634
7 1,462,286 1,505,827 43,541
8 1,460,980 1,656,410 195,430
9 1,455,117 1,822,050 366,933
10 1,444,109 2,004,256 560,146
11 1,427,305 2,204,681 777,376
12 1,403,983 2,425,149 1,021,166
13 1,373,348 2,667,664 1,294,316
14 1,334,519 2,934,431 1,599,912
15 1,286,522 3,227,874 1,941,352
16 1,228,281 3,550,661 2,322,380
17 1,158,610 3,905,727 2,747,117
18 1,076,196 4,296,300 3,220,104
19 979,593 4,725,930 3,746,337
20 867,203 5,198,523 4,331,320
21 737,263 5,718,375 4,981,112
22 587,830 6,290,212 5,702,383
23 416,758 6,919,234 6,502,475
24 221,684 7,611,157 7,389,473

Una persona desea comprar un apartamento que tiene un valor de $65.000.000, se le plantea el siguiente plan: 20% de
cuota inicial, 24 cuotas que aumentan cada mes en el 1,5%, y un abono extraordinario en el mes 18 por valor de
$5.000.000, si la tasa de financiación es del 2,8% mensual, calcular el valor de la primera cuota.

%Cuota_in 20.00% Periodo Interés Cuota Cuota_Extra


#Pagos= 24 0
j= 1.50% 1 1,456,000 2,418,171 0
P= 65,000,000 2 1,429,059 2,454,443 0
i= 2.80% mensual 3 1,400,348 2,491,260 0
Cuota_Extra 5,000,000 4 1,369,803 2,528,629 0
k= 5 1,337,356 2,566,558 0
6 1,302,938 2,605,057 0
20% cuota inicial 13,000,000 7 1,266,479 2,644,133 0
8 1,227,904 2,683,795 0
Saldo inicial 52,000,000 9 1,187,140 2,724,052 0
10 1,144,106 2,764,912 0
11 1,098,723 2,806,386 0
12 1,050,909 2,848,482 0
13 1,000,577 2,891,209 0
14 947,639 2,934,577 0
15 892,005 2,978,596 0
16 833,580 3,023,275 0
17 772,269 3,068,624 0
18 707,971 3,114,653 5,000,000
19 500,584 3,161,373 0
20 426,082 3,208,794 0
21 348,166 3,256,926 0
22 266,721 3,305,780 0
23 181,627 3,355,366 0
24 92,762 3,405,697 0

Calcular el valor futuro equivalente a 18 pagos que aumentan cada mes en el 2% si se cobra una tasa del 3% mensual,
siendo el primer pago de $2.500.000
#Pagos= 18 Periodo Interés Cuota Abono
j= 2.00% 0
k= 2,500,000 1 0 2,500,000 2,500,000
i= 3.00% mensual 2 75,000 2,550,000 2,625,000
P= 68,546,703 3 153,750 2,601,000 2,754,750
4 236,393 2,653,020 2,889,413
5 323,075 2,706,080 3,029,155
6 413,950 2,760,202 3,174,152
7 509,174 2,815,406 3,324,580
8 608,911 2,871,714 3,480,626
9 713,330 2,929,148 3,642,479
10 822,605 2,987,731 3,810,336
11 936,915 3,047,486 3,984,401
12 1,056,447 3,108,436 4,164,882
13 1,181,393 3,170,604 4,351,998
14 1,311,953 3,234,017 4,545,970
15 1,448,332 3,298,697 4,747,029
16 1,590,743 3,364,671 4,955,414
17 1,739,406 3,431,964 5,171,370
18 1,894,547 3,500,604 5,395,150

Se hacen depósitos trimestrales que crecen en un 4% durante 3 años, en una institución financiera que paga el 7,5%
trimestral, si se desea tener disponible $5.000.000 al final de los 3 años, determinar el primer pago.

Periodo Interés Depósitos Capitalización


#Depósitos= 12 0
j= 4.00% 1 0 224,144 224,144
F= 5,000,000 2 16,811 233,110 249,921
i= 7.50% trimestral 3 35,555 242,434 277,989
k= 224,144 4 56,404 252,132 308,536
5 79,544 262,217 341,761
6 105,176 272,706 377,882
7 133,518 283,614 417,131
8 164,802 294,958 459,761
9 199,284 306,757 506,041
10 237,238 319,027 556,265
11 278,957 331,788 610,746
12 324,763 345,060 669,823
s. Si el valor de la primera
bligación, b) El valor de la

Saldo
46,694,335
47,245,165
47,727,520
48,130,845
48,443,421
48,652,238
48,742,872
48,699,331
48,503,902
48,136,968
47,576,822
46,799,445
45,778,279
44,483,964
42,884,052
40,942,700
38,620,320
35,873,203
32,653,099
28,906,762
24,575,442
19,594,331
13,891,948
7,389,473
0

a el siguiente plan: 20% de


el mes 18 por valor de
primera cuota.

Abono Saldo
52,000,000
962,171 51,037,829
1,025,384 50,012,445
1,090,912 48,921,533
1,158,826 47,762,707
1,229,203 46,533,504
1,302,119 45,231,386
1,377,654 43,853,732
1,455,890 42,397,841
1,536,912 40,860,929
1,620,806 39,240,123
1,707,663 37,532,460
1,797,573 35,734,887
1,890,632 33,844,255
1,986,938 31,857,317
2,086,591 29,770,726
2,189,695 27,581,031
2,296,355 25,284,676
7,406,682 17,877,994
2,660,789 15,217,205
2,782,712 12,434,493
2,908,760 9,525,733
3,039,059 6,486,674
3,173,739 3,312,935
3,312,935 0

una tasa del 3% mensual,

Saldo
0
2,500,000
5,125,000
7,879,750
10,769,163
13,798,318
16,972,469
20,297,049
23,777,675
27,420,154
31,230,490
35,214,891
39,379,773
43,731,771
48,277,740
53,024,770
57,980,184
63,151,553
68,546,703

anciera que paga el 7,5%


r el primer pago.

Saldo
0
224,144
474,065
752,054
1,060,590
1,402,351
1,780,233
2,197,365
2,657,126
3,163,167
3,719,431
4,330,177
5,000,000
Calcular el valor presente de 18 pagos semestrales que disminuyen cada semestre en el 2,5%, siendo el primer pago
de $650.000. La tasa de Interés es del 24% NS

#Pagos= 18 Periodo Interés Cuota Abono


j= 2.50% 0
k= 650,000 1 493,582 650,000 156,418
i= 12.00% semestral 2 474,812 633,750 158,938
P= 4,113,182 3 455,739 617,906 162,167
4 436,279 602,459 166,180
5 416,338 587,397 171,060
6 395,810 572,712 176,902
7 374,582 558,394 183,812
8 352,525 544,435 191,910
9 329,495 530,824 201,328
10 305,336 517,553 212,217
11 279,870 504,614 224,744
12 252,901 491,999 239,098
13 224,209 479,699 255,490
14 193,550 467,706 274,156
15 160,651 456,014 295,362
16 125,208 444,613 319,405
17 86,879 433,498 346,619
18 45,285 422,661 377,376

Calcular el valor que se tendrá ahorrado en una institución financiera si se hacen 12 depósitos trimestrales que
decrecen en un 4%, siendo el primer depósito de $3.200.000 y se devenga una tasa de interés del 6% trimestral.

#Depósitos= 12 Periodo Interés Depósitos Capitalización


j= 4.00% 0
k= 3,200,000 1 0 3,200,000 3,200,000
i= 6.00% trimestral 2 192,000 3,072,000 3,264,000
P= 44,783,575 3 387,840 2,949,120 3,336,960
4 588,058 2,831,155 3,419,213
5 793,210 2,717,909 3,511,119
6 1,003,878 2,609,193 3,613,070
7 1,220,662 2,504,825 3,725,487
8 1,444,191 2,404,632 3,848,823
9 1,675,120 2,308,447 3,983,567
10 1,914,134 2,216,109 4,130,243
11 2,161,949 2,127,464 4,289,413
12 2,419,314 2,042,366 4,461,680

Un préstamo de $20.000.000 se cancela con 15 cuotas mensuales que disminuyen en 1,8% cada mes, calcule el
saldo después de cancelada la novena cuota. La tasa de financiación es del 2% mensual.
#Pagos= 15 Periodo Interés Cuota Abono
j= 1.80% 0
k= 1,750,381 1 400,000 1,750,381 1,350,381
i= 2.00% mensual 2 372,992 1,718,874 1,345,882
P= 20,000,000 3 346,075 1,687,935 1,341,860
FPeriodo9= 7,968,525 4 319,238 1,657,552 1,338,314
5 292,471 1,627,716 1,335,245
6 265,766 1,598,417 1,332,651
7 239,113 1,569,645 1,330,532
8 212,503 1,541,392 1,328,889
9 185,925 1,513,647 1,327,722
10 159,370 1,486,401 1,327,031
11 132,830 1,459,646 1,326,816
12 106,294 1,433,372 1,327,079
13 79,752 1,407,572 1,327,820
14 53,196 1,382,235 1,329,040
15 26,615 1,357,355 1,330,740
,5%, siendo el primer pago

Saldo
4,113,182
3,956,764
3,797,826
3,635,659
3,469,479
3,298,420
3,121,518
2,937,706
2,745,796
2,544,468
2,332,251
2,107,506
1,868,408
1,612,918
1,338,762
1,043,400
723,994
377,376
0

pósitos trimestrales que


nterés del 6% trimestral.

Saldo
0
3,200,000
6,464,000
9,800,960
13,220,173
16,731,292
20,344,362
24,069,849
27,918,672
31,902,239
36,032,482
40,321,895
44,783,575

,8% cada mes, calcule el


2% mensual.
Saldo
20,000,000
18,649,619
17,303,737
15,961,877
14,623,563
13,288,318
11,955,668
10,625,136
9,296,247
7,968,525
6,641,494
5,314,678
3,987,599
2,659,780
1,330,740
0

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