1.

TEA 360
2. TES 180 6. Mensual
3. TEC 120 60
4.TET 90
5. TEB 60
6. TEM 30
7. TEQ 15
8. TES 7
9. TED 1
 Nominal Efectiva
Tasa % 10.000 32.250
Periodo 6. Mensual 3. Cuatrimestral
Capitalización 4.Trimestral

Efectiva Nominal
Tasa % 45.000 3.245
Periodo 1. TEA 6. TEM
Capitalización 4.TET

Efectiva Efectiva
Tasa % 20.000 14.653 90
Periodo 3. TEC 4.TET 120
I

Cálculo del valor futuro

Principal/ Capital Periodos Tasa de Interes % Valor Futuro

2000 4 8 2640

Cálculo del Interés

Principal/ Capital Periodos Valor Futuro Tasa%

2000 4 2640 8

Cálculo del Principal

Valor Futuro Periodos Tasa de Interes % Principal

2640 4 8 2000
Cálculo del valor futuro:

Principal Períodos Tasa de Interes % Valor Futuro

1000 4 5 1215.51

Valor Presente Tasa de Interés % Tipo de tasa Fecha inicial

5000 5 7. TEQ 3/2/2017
15

Valor Futuro Tasa de Interés % Tipo de tasa Fecha inicial

10000 0.5 6. TEM 3/2/2017
Fecha final Días Valor futuro
3/2/2019 730 53725.76

Fecha final Días Valor Presente

3/2/2019 730 8857.12
Un auto a $30000

P 30000
n 60
TEM 2.34%
CUOTA
VALOR PRESENTE 10000
CUOTAS 6
TEM 5%
Cuota 1970.17

Períodos Cuota VP de la CUOTA Interés Saldo

0 10,000.00
1 1,970.17 1,876.36 500.00 8,529.83 1,470.17
2 1,970.17 1,787.01 426.49 6,986.14 1,543.68
3 1,970.17 1,701.91 349.31 5,365.27 1,620.87
4 1,970.17 1,620.87 268.26 3,663.36 1,701.91
5 1,970.17 1,543.68 183.17 1,876.36 1,787.01
6 1,970.17 1,470.17 93.82 0.00 1,876.36

VALOR FUTURO

RENTA
CUOTA + SAL ="SALDO 4"+R
P 5,000.00 Suma de cuotas
TCEA 45.00% 5317.73
TEM 3.1448% Adicional
Cuotas (n) 3 317.73 6.35%
Cuota ® 1772.58

Saldo
Cuota Saldo de la
n Cuota período Cuota Interés
Amortización deuda
anterior
0 5,000.00
1 1,772.58 5,000.00 157.24 1,615.34 3,384.66
2 1,772.58 3,384.66 106.44 1,666.13 1,718.53
3 1,772.58 1,718.53 54.04 1,718.53 0.00
P 100,000.00 Suma de cuotas
TCEA 13.25% 272,800.48
TEM 1.0423% Adicional
Cuotas (n) 240 172800.48 172.80%
Cuota® 1136.67

Saldo
Cuota Saldo de la
n Cuota período Cuota Interés
Amortización deuda
anterior
0 100,000.00
1 1,136.67 100,000.00 1,042.29 94.38 99,905.62
2 1,136.67 99,905.62 1,041.31 95.36 99,810.26
3 1,136.67 99,810.26 1,040.31 96.36 99,713.91
4 1,136.67 99,713.91 1,039.31 97.36 99,616.55
5 1,136.67 99,616.55 1,038.29 98.37 99,518.17
6 1,136.67 99,518.17 1,037.27 99.40 99,418.77
7 1,136.67 99,418.77 1,036.23 100.44 99,318.34
8 1,136.67 99,318.34 1,035.19 101.48 99,216.85
9 1,136.67 99,216.85 1,034.13 102.54 99,114.31
10 1,136.67 99,114.31 1,033.06 103.61 99,010.70
11 1,136.67 99,010.70 1,031.98 104.69 98,906.01
12 1,136.67 98,906.01 1,030.89 105.78 98,800.23
13 1,136.67 98,800.23 1,029.79 106.88 98,693.35
14 1,136.67 98,693.35 1,028.67 108.00 98,585.35
15 1,136.67 98,585.35 1,027.55 109.12 98,476.23
16 1,136.67 98,476.23 1,026.41 110.26 98,365.97
17 1,136.67 98,365.97 1,025.26 111.41 98,254.56
18 1,136.67 98,254.56 1,024.10 112.57 98,141.99
19 1,136.67 98,141.99 1,022.93 113.74 98,028.25
20 1,136.67 98,028.25 1,021.74 114.93 97,913.32
21 1,136.67 97,913.32 1,020.54 116.13 97,797.19
22 1,136.67 97,797.19 1,019.33 117.34 97,679.86
23 1,136.67 97,679.86 1,018.11 118.56 97,561.29
24 1,136.67 97,561.29 1,016.87 119.80 97,441.50
25 1,136.67 97,441.50 1,015.62 121.04 97,320.45
26 1,136.67 97,320.45 1,014.36 122.31 97,198.15
27 1,136.67 97,198.15 1,013.09 123.58 97,074.57
28 1,136.67 97,074.57 1,011.80 124.87 96,949.70
29 1,136.67 96,949.70 1,010.50 126.17 96,823.53
30 1,136.67 96,823.53 1,009.18 127.49 96,696.04
31 1,136.67 96,696.04 1,007.85 128.81 96,567.23
32 1,136.67 96,567.23 1,006.51 130.16 96,437.07
33 1,136.67 96,437.07 1,005.15 131.51 96,305.55
34 1,136.67 96,305.55 1,003.78 132.88 96,172.67
35 1,136.67 96,172.67 1,002.40 134.27 96,038.40
36 1,136.67 96,038.40 1,001.00 135.67 95,902.73
37 1,136.67 95,902.73 999.59 137.08 95,765.65
38 1,136.67 95,765.65 998.16 138.51 95,627.14
39 1,136.67 95,627.14 996.71 139.96 95,487.18
40 1,136.67 95,487.18 995.25 141.41 95,345.77
41 1,136.67 95,345.77 993.78 142.89 95,202.88
42 1,136.67 95,202.88 992.29 144.38 95,058.50
43 1,136.67 95,058.50 990.79 145.88 94,912.62
44 1,136.67 94,912.62 989.27 147.40 94,765.21
45 1,136.67 94,765.21 987.73 148.94 94,616.27
46 1,136.67 94,616.27 986.18 150.49 94,465.78
47 1,136.67 94,465.78 984.61 152.06 94,313.72
48 1,136.67 94,313.72 983.02 153.65 94,160.08
49 1,136.67 94,160.08 981.42 155.25 94,004.83
50 1,136.67 94,004.83 979.80 156.86 93,847.97
51 1,136.67 93,847.97 978.17 158.50 93,689.47
52 1,136.67 93,689.47 976.52 160.15 93,529.31
53 1,136.67 93,529.31 974.85 161.82 93,367.49
54 1,136.67 93,367.49 973.16 163.51 93,203.98
55 1,136.67 93,203.98 971.46 165.21 93,038.77
56 1,136.67 93,038.77 969.73 166.93 92,871.84
57 1,136.67 92,871.84 967.99 168.67 92,703.16
58 1,136.67 92,703.16 966.24 170.43 92,532.73
59 1,136.67 92,532.73 964.46 172.21 92,360.52
60 1,136.67 92,360.52 962.67 174.00 92,186.52
61 1,136.67 92,186.52 960.85 175.82 92,010.70
62 1,136.67 92,010.70 959.02 177.65 91,833.05
63 1,136.67 91,833.05 957.17 179.50 91,653.55
64 1,136.67 91,653.55 955.30 181.37 91,472.18
65 1,136.67 91,472.18 953.41 183.26 91,288.92
66 1,136.67 91,288.92 951.50 185.17 91,103.75
67 1,136.67 91,103.75 949.57 187.10 90,916.64
68 1,136.67 90,916.64 947.62 189.05 90,727.59
69 1,136.67 90,727.59 945.65 191.02 90,536.57
70 1,136.67 90,536.57 943.65 193.01 90,343.55
71 1,136.67 90,343.55 941.64 195.03 90,148.53
72 1,136.67 90,148.53 939.61 197.06 89,951.47
73 1,136.67 89,951.47 937.56 199.11 89,752.36
74 1,136.67 89,752.36 935.48 201.19 89,551.17
75 1,136.67 89,551.17 933.38 203.28 89,347.88
76 1,136.67 89,347.88 931.26 205.40 89,142.48
77 1,136.67 89,142.48 929.12 207.54 88,934.93
78 1,136.67 88,934.93 926.96 209.71 88,725.23
 79 1,136.67 88,725.23 924.77 211.89 88,513.33
80 1,136.67 88,513.33 922.57 214.10 88,299.23
81 1,136.67 88,299.23 920.33 216.33 88,082.90
82 1,136.67 88,082.90 918.08 218.59 87,864.31
83 1,136.67 87,864.31 915.80 220.87 87,643.44
84 1,136.67 87,643.44 913.50 223.17 87,420.27
85 1,136.67 87,420.27 911.17 225.50 87,194.78
86 1,136.67 87,194.78 908.82 227.85 86,966.93
87 1,136.67 86,966.93 906.45 230.22 86,736.71
88 1,136.67 86,736.71 904.05 232.62 86,504.09
89 1,136.67 86,504.09 901.62 235.04 86,269.05
90 1,136.67 86,269.05 899.17 237.49 86,031.55
91 1,136.67 86,031.55 896.70 239.97 85,791.58
92 1,136.67 85,791.58 894.20 242.47 85,549.11
93 1,136.67 85,549.11 891.67 245.00 85,304.11
94 1,136.67 85,304.11 889.12 247.55 85,056.56
95 1,136.67 85,056.56 886.54 250.13 84,806.43
96 1,136.67 84,806.43 883.93 252.74 84,553.69
97 1,136.67 84,553.69 881.30 255.37 84,298.32
98 1,136.67 84,298.32 878.63 258.03 84,040.28
99 1,136.67 84,040.28 875.94 260.72 83,779.56
100 1,136.67 83,779.56 873.23 263.44 83,516.12
101 1,136.67 83,516.12 870.48 266.19 83,249.93
102 1,136.67 83,249.93 867.71 268.96 82,980.97
103 1,136.67 82,980.97 864.90 271.77 82,709.20
104 1,136.67 82,709.20 862.07 274.60 82,434.60
105 1,136.67 82,434.60 859.21 277.46 82,157.14
106 1,136.67 82,157.14 856.32 280.35 81,876.79
107 1,136.67 81,876.79 853.39 283.27 81,593.52
108 1,136.67 81,593.52 850.44 286.23 81,307.29
109 1,136.67 81,307.29 847.46 289.21 81,018.08
110 1,136.67 81,018.08 844.44 292.22 80,725.86
111 1,136.67 80,725.86 841.40 295.27 80,430.58
112 1,136.67 80,430.58 838.32 298.35 80,132.24
113 1,136.67 80,132.24 835.21 301.46 79,830.78
114 1,136.67 79,830.78 832.07 304.60 79,526.18
115 1,136.67 79,526.18 828.89 307.77 79,218.41
116 1,136.67 79,218.41 825.69 310.98 78,907.42
117 1,136.67 78,907.42 822.44 314.22 78,593.20
118 1,136.67 78,593.20 819.17 317.50 78,275.70
119 1,136.67 78,275.70 815.86 320.81 77,954.89
120 1,136.67 77,954.89 812.52 324.15 77,630.74
121 1,136.67 77,630.74 809.14 327.53 77,303.21
122 1,136.67 77,303.21 805.72 330.94 76,972.27
123 1,136.67 76,972.27 802.27 334.39 76,637.87
124 1,136.67 76,637.87 798.79 337.88 76,299.99
125 1,136.67 76,299.99 795.27 341.40 75,958.59
126 1,136.67 75,958.59 791.71 344.96 75,613.63
127 1,136.67 75,613.63 788.11 348.55 75,265.08
128 1,136.67 75,265.08 784.48 352.19 74,912.89
129 1,136.67 74,912.89 780.81 355.86 74,557.03
130 1,136.67 74,557.03 777.10 359.57 74,197.46
131 1,136.67 74,197.46 773.35 363.32 73,834.15
132 1,136.67 73,834.15 769.57 367.10 73,467.05
133 1,136.67 73,467.05 765.74 370.93 73,096.12
134 1,136.67 73,096.12 761.87 374.79 72,721.32
135 1,136.67 72,721.32 757.97 378.70 72,342.62
136 1,136.67 72,342.62 754.02 382.65 71,959.98
137 1,136.67 71,959.98 750.03 386.64 71,573.34
138 1,136.67 71,573.34 746.00 390.67 71,182.67
139 1,136.67 71,182.67 741.93 394.74 70,787.93
140 1,136.67 70,787.93 737.82 398.85 70,389.08
141 1,136.67 70,389.08 733.66 403.01 69,986.07
142 1,136.67 69,986.07 729.46 407.21 69,578.86
143 1,136.67 69,578.86 725.21 411.45 69,167.41
144 1,136.67 69,167.41 720.93 415.74 68,751.66
145 1,136.67 68,751.66 716.59 420.08 68,331.59
146 1,136.67 68,331.59 712.21 424.45 67,907.13
147 1,136.67 67,907.13 707.79 428.88 67,478.25
148 1,136.67 67,478.25 703.32 433.35 67,044.91
149 1,136.67 67,044.91 698.80 437.87 66,607.04
150 1,136.67 66,607.04 694.24 442.43 66,164.61
151 1,136.67 66,164.61 689.63 447.04 65,717.57
152 1,136.67 65,717.57 684.97 451.70 65,265.87
153 1,136.67 65,265.87 680.26 456.41 64,809.46
154 1,136.67 64,809.46 675.50 461.17 64,348.30
155 1,136.67 64,348.30 670.70 465.97 63,882.32
156 1,136.67 63,882.32 665.84 470.83 63,411.49
157 1,136.67 63,411.49 660.93 475.74 62,935.76
158 1,136.67 62,935.76 655.97 480.69 62,455.06
159 1,136.67 62,455.06 650.96 485.71 61,969.36
160 1,136.67 61,969.36 645.90 490.77 61,478.59
161 1,136.67 61,478.59 640.79 495.88 60,982.71
162 1,136.67 60,982.71 635.62 501.05 60,481.66
163 1,136.67 60,481.66 630.39 506.27 59,975.38
164 1,136.67 59,975.38 625.12 511.55 59,463.83
165 1,136.67 59,463.83 619.79 516.88 58,946.95
166 1,136.67 58,946.95 614.40 522.27 58,424.68
167 1,136.67 58,424.68 608.96 527.71 57,896.96
168 1,136.67 57,896.96 603.45 533.21 57,363.75
169 1,136.67 57,363.75 597.90 538.77 56,824.98
170 1,136.67 56,824.98 592.28 544.39 56,280.59
171 1,136.67 56,280.59 586.61 550.06 55,730.53
172 1,136.67 55,730.53 580.87 555.79 55,174.74
173 1,136.67 55,174.74 575.08 561.59 54,613.15
174 1,136.67 54,613.15 569.23 567.44 54,045.71
175 1,136.67 54,045.71 563.31 573.36 53,472.35
176 1,136.67 53,472.35 557.34 579.33 52,893.02
177 1,136.67 52,893.02 551.30 585.37 52,307.65
178 1,136.67 52,307.65 545.20 591.47 51,716.18
179 1,136.67 51,716.18 539.03 597.64 51,118.55
180 1,136.67 51,118.55 532.80 603.86 50,514.68
181 1,136.67 50,514.68 526.51 610.16 49,904.52
182 1,136.67 49,904.52 520.15 616.52 49,288.00
183 1,136.67 49,288.00 513.72 622.94 48,665.06
184 1,136.67 48,665.06 507.23 629.44 48,035.62
185 1,136.67 48,035.62 500.67 636.00 47,399.63
186 1,136.67 47,399.63 494.04 642.63 46,757.00
187 1,136.67 46,757.00 487.34 649.32 46,107.67
188 1,136.67 46,107.67 480.58 656.09 45,451.58
189 1,136.67 45,451.58 473.74 662.93 44,788.65
190 1,136.67 44,788.65 466.83 669.84 44,118.81
191 1,136.67 44,118.81 459.85 676.82 43,441.99
192 1,136.67 43,441.99 452.79 683.88 42,758.11
193 1,136.67 42,758.11 445.66 691.00 42,067.11
194 1,136.67 42,067.11 438.46 698.21 41,368.90
195 1,136.67 41,368.90 431.18 705.48 40,663.41
196 1,136.67 40,663.41 423.83 712.84 39,950.58
197 1,136.67 39,950.58 416.40 720.27 39,230.31
198 1,136.67 39,230.31 408.89 727.77 38,502.53
199 1,136.67 38,502.53 401.31 735.36 37,767.17
200 1,136.67 37,767.17 393.64 743.02 37,024.15
201 1,136.67 37,024.15 385.90 750.77 36,273.38
202 1,136.67 36,273.38 378.07 758.59 35,514.79
203 1,136.67 35,514.79 370.17 766.50 34,748.28
204 1,136.67 34,748.28 362.18 774.49 33,973.79
205 1,136.67 33,973.79 354.11 782.56 33,191.23
206 1,136.67 33,191.23 345.95 790.72 32,400.51
207 1,136.67 32,400.51 337.71 798.96 31,601.55
208 1,136.67 31,601.55 329.38 807.29 30,794.26
209 1,136.67 30,794.26 320.97 815.70 29,978.56
210 1,136.67 29,978.56 312.46 824.20 29,154.35
211 1,136.67 29,154.35 303.87 832.80 28,321.56
212 1,136.67 28,321.56 295.19 841.48 27,480.08
213 1,136.67 27,480.08 286.42 850.25 26,629.84
214 1,136.67 26,629.84 277.56 859.11 25,770.73
215 1,136.67 25,770.73 268.61 868.06 24,902.67
216 1,136.67 24,902.67 259.56 877.11 24,025.56
217 1,136.67 24,025.56 250.42 886.25 23,139.30
218 1,136.67 23,139.30 241.18 895.49 22,243.81
219 1,136.67 22,243.81 231.85 904.82 21,338.99
220 1,136.67 21,338.99 222.41 914.25 20,424.74
221 1,136.67 20,424.74 212.89 923.78 19,500.95
222 1,136.67 19,500.95 203.26 933.41 18,567.54
223 1,136.67 18,567.54 193.53 943.14 17,624.40
224 1,136.67 17,624.40 183.70 952.97 16,671.43
225 1,136.67 16,671.43 173.76 962.90 15,708.52
226 1,136.67 15,708.52 163.73 972.94 14,735.58
227 1,136.67 14,735.58 153.59 983.08 13,752.50
228 1,136.67 13,752.50 143.34 993.33 12,759.18
229 1,136.67 12,759.18 132.99 1,003.68 11,755.49
230 1,136.67 11,755.49 122.53 1,014.14 10,741.35
231 1,136.67 10,741.35 111.96 1,024.71 9,716.64
232 1,136.67 9,716.64 101.28 1,035.39 8,681.25
233 1,136.67 8,681.25 90.48 1,046.18 7,635.06
234 1,136.67 7,635.06 79.58 1,057.09 6,577.97
235 1,136.67 6,577.97 68.56 1,068.11 5,509.87
236 1,136.67 5,509.87 57.43 1,079.24 4,430.63
237 1,136.67 4,430.63 46.18 1,090.49 3,340.14
238 1,136.67 3,340.14 34.81 1,101.85 2,238.28
239 1,136.67 2,238.28 23.33 1,113.34 1,124.94
240 1,136.67 1,124.94 11.73 1,124.94 0.00
 Saldo
Amorizado
0.00
1,615.34
3,281.47
5,000.00

Saldo
Amorizado

0.00
94.38
189.74
286.09
383.45
481.83
581.23
681.66
783.15
885.69
989.30
1,093.99
1,199.77
1,306.65
1,414.65
1,523.77
1,634.03
1,745.44
1,858.01
1,971.75
2,086.68
2,202.81
2,320.14
2,438.71
2,558.50
2,679.55
2,801.85
2,925.43
3,050.30
 3,176.47
3,303.96
3,432.77
3,562.93
3,694.45
3,827.33
3,961.60
4,097.27
4,234.35
4,372.86
4,512.82
4,654.23
4,797.12
4,941.50
5,087.38
5,234.79
5,383.73
5,534.22
5,686.28
5,839.92
5,995.17
6,152.03
6,310.53
6,470.69
6,632.51
6,796.02
6,961.23
7,128.16
7,296.84
7,467.27
7,639.48
7,813.48
7,989.30
8,166.95
8,346.45
8,527.82
8,711.08
8,896.25
9,083.36
9,272.41
9,463.43
9,656.45
9,851.47
10,048.53
10,247.64
10,448.83
10,652.12
10,857.52
11,065.07
11,274.77
11,486.67
11,700.77
11,917.10
12,135.69
12,356.56
12,579.73
12,805.22
13,033.07
13,263.29
13,495.91
13,730.95
13,968.45
14,208.42
14,450.89
14,695.89
14,943.44
15,193.57
15,446.31
15,701.68
15,959.72
16,220.44
16,483.88
16,750.07
17,019.03
17,290.80
17,565.40
17,842.86
18,123.21
18,406.48
18,692.71
18,981.92
19,274.14
19,569.42
19,867.76
20,169.22
20,473.82
20,781.59
21,092.58
21,406.80
21,724.30
22,045.11
22,369.26
22,696.79
23,027.73
23,362.13
23,700.01
24,041.41
24,386.37
24,734.92
25,087.11
25,442.97
25,802.54
26,165.85
26,532.95
26,903.88
27,278.68
27,657.38
28,040.02
28,426.66
28,817.33
29,212.07
29,610.92
30,013.93
30,421.14
30,832.59
31,248.34
31,668.41
32,092.87
32,521.75
32,955.09
33,392.96
33,835.39
34,282.43
34,734.13
35,190.54
35,651.70
36,117.68
36,588.51
37,064.24
37,544.94
38,030.64
38,521.41
39,017.29
39,518.34
40,024.62
40,536.17
41,053.05
41,575.32
42,103.04
42,636.25
43,175.02
43,719.41
44,269.47
44,825.26
45,386.85
45,954.29
46,527.65
47,106.98
47,692.35
48,283.82
48,881.45
49,485.32
50,095.48
50,712.00
51,334.94
51,964.38
52,600.37
53,243.00
53,892.33
54,548.42
55,211.35
55,881.19
56,558.01
57,241.89
57,932.89
58,631.10
59,336.59
60,049.42
60,769.69
61,497.47
62,232.83
62,975.85
63,726.62
64,485.21
65,251.72
66,026.21
66,808.77
67,599.49
68,398.45
69,205.74
70,021.44
70,845.65
71,678.44
72,519.92
73,370.16
74,229.27
75,097.33
75,974.44
76,860.70
77,756.19
78,661.01
79,575.26
80,499.05
81,432.46
82,375.60
83,328.57
84,291.48
85,264.42
86,247.50
87,240.82
 88,244.51
89,258.65
90,283.36
91,318.75
92,364.94
93,422.03
94,490.13
95,569.37
96,659.86
97,761.72
98,875.06
100,000.00
Valor presente 100,000.00 Valor futuro 1,204,381.88
TCEA 13.25% Valor Presente 100,000.00
TEM 1.0423% Desembolsa 272,800.48
Cuotas (n) 240
Cuota ® 1,136.67

En el mes m ud. abona además de la cuota mensual, un adicional y refinancia la deuda

Mes m: 24
adicional 30,000.00 Desembolsa 227,210.37
Deuda al mes m 97,441.50 45,590.10
Saldo de la deuda 67,441.50
Alternativas:
a) Mantener el plazo con cuotas más pequeñas
Nueva cuota 786.71
b) Mantener las mismas cuotas en un plazo más corto
Nuevo n 92.91 92.00
Deuda al mes 92 1,029.53
deuda al mes sigui 1040.25851542809 Desembolsa 132,893.82
1204381.88
100000
PARA ANUALIDAD DIFERIDA NO SE PONE NADA EN TIPO
PARA ANUALIDAD ANTICIPADA TIPO=1
O SE PONE NADA EN TIPO
 Renta diferida
n 3 VP VF
i 5% Fórmula 2723.25 3152.50
Pago 1000 Con suma 2,723.25 3,152.50

Período Pago Valor Present Valor Futuro

0
1 1,000.00 952.38 1,102.50
2 1,000.00 907.03 1,050.00
3 1,000.00 863.84 1,000.00
2723.248029 3152.5

n 3 Valor presente
tasa 45% 9.73% Tasa
SE CONOCEN tipo de tasa 1. TEA 360 SE CONOCEN tipo de tasa
Pago 150.00 Pago
Período de los pagos 6. Mensuales 90 Período de los pagos
Anualidad vencida Valor presente 374.78 Anualidad vencida n
Anualidad anticipada Valor presente 411.26 Anualidad anticipada n

n 3 n
SE CONOCEN tasa 5% SE CONOCEN Pago
P 2,723.25 P
Anualidad vencida Pago 1,000.00 Anualidad vencida i
Anualidad anticipada Pago 952.38 Anualidad anticipada i

i 10%
P 4,973.70

Período Cuota Saldo per ant Cuota int Cuota amortización

0
1 2,000.00 4,973.70 497.3703981968 1,502.63
2 2,000.00 3,471.07 347.1074380165 1,652.89
3 2,000.00 1,818.18 181.8181818182 1,818.18

i 10%
P 4,973.70 R 1,818.18
Período Cuota Saldo per ant Cuota int Cuota amortización
0 1,818.18
1 1,818.18 3,155.52 315.5522163787 1,502.63
2 1,818.18 1,652.89 165.2892561983 1,652.89
3 0.00
DEUDA PAGO SALDO
3,155.52 1,502.63 1,652.89
315.55 315.55
3,471.07 1,818.18 1,652.89

i 10%
P 4,973.70 R 1,818.18
Período Cuota Saldo
0 1,818.18 3,155.52
1 1,818.18 1652.892562
2 1,818.18 0
3 0.00
 Renta Anticipada
VP VF
Fórmula 2,859.41 3,310.13
Con suma 2,859.41 3,310.13

Período Pago Valor Presente Valor Futuro

0 1,000.00 1,000.00 1,157.63
1 1,000.00 952.38 1,102.50
2 1,000.00 907.03 1,050.00
3 0.00 0.00
2859.410430839 2859.41043084 3310.125
3310.125

2,723.25
5% 3.73%
3. TEC 120
1,000.00
4. Trimestrales 90
2.92
2.81

3
1,000.00
2,723.25
5.00%
10.53%

Saldo
4,973.70
3,471.07
1,818.18
0.00

Saldo
3,155.52
1,652.89
-0.00
Num Valor n 3
1 4 Suma de n 10
2 2
3 4
4 3
5 2
6 4
 Vector de
Vector de Vector de
comparació
comparación Resultados
n
1. TEA 1. Anuales 360
2. TES 2. Semestrales 180
3. TEC 3. Cuatrimestrale 120
4. TET 4. Trimestrales 90
5. TEB 5. Bimestrales 60
6. TEM 6. Mensuales 30
7. TEQ 7. Quincenales 15
9. TED 9. Diarios 1

trimestral cuatrimestral

De cuanto fue una deuda que se paga con cuatro cuotas

trimestrales vencidas de S/. 1000 a una TEC de 20 %
 0.05260229

n 3
tasa 85% 5.26%
SE
CONOCEN tipo de tasa 1. TEA 360
Valor presente 150.00
Período de los pagos 6. Mensuales 30
Anualidad vencidaPago 55.35
Anualidad anticip Pago 52.58
Pago demás 16.05
Rentas 500.00 P 476.190476
i 5%
P 10,000.00 Depósito: 10,000.00

Interés Retiro Saldo del período n

0 10,000.00 1
1 10,000.00 500.00 500.00 10,000.00 476.190476 2
2 10,000.00 500.00 500.00 10,000.00 3
3 10,000.00 500.00 500.00 10,000.00 4
4 10,000.00 500.00 500.00 10,000.00 5
5 10,000.00 500.00 500.00 10,000.00 6
6 10,000.00 500.00 500.00 10,000.00
7 10,000.00 500.00 500.00 10,000.00
8 10,000.00 500.00 500.00 10,000.00
500 476.190476
500 453.514739
500 431.918799
500 411.351237
500 391.763083
500 373.107698
Valor presente 30,000.00 Suma de factores 11.2802887
TCEA 45% Cuota 2,659.51
Días x año 360 Cuota a pagar 2,659.50
Fecha de préstam 3/10/2020
Cuotas 24

Cuota de
Cuota Saldo de la Monto
Períodos Fecha Cuota Amortizació
interés deuda amortizado
n
3/10/2020 30,000.00 0.00
1 4/19/2021 2,659.50 15,568.03 -12,908.53 42,908.53 -12,908.53
2 5/18/2021 2,659.50 1,303.73 1,355.77 41,552.76 -11,552.76
3 6/18/2021 2,659.50 1,351.01 1,308.49 40,244.27 -10,244.27
4 7/18/2021 2,659.50 1,265.60 1,393.90 38,850.37 2,702.39
5 8/18/2021 2,659.50 1,263.15 1,396.35 37,454.02 4,098.74
6 9/18/2021 2,659.50 1,217.75 1,441.75 36,012.27 2,838.11
7 10/18/2021 2,659.50 1,132.51 1,526.99 34,485.28 4,365.09
8 11/18/2021 2,659.50 1,121.22 1,538.28 32,947.00 3,065.26
9 12/18/2021 2,659.50 1,036.12 1,623.38 31,323.62 4,688.65
10 1/18/2022 2,659.50 1,018.43 1,641.07 29,682.55 3,264.45
11 2/18/2022 2,659.50 965.07 1,694.43 27,988.12 4,958.88
12 3/18/2022 2,659.50 820.64 1,838.86 26,149.26 3,533.29
13 4/18/2022 2,659.50 850.19 1,809.31 24,339.96 3,648.17
14 5/18/2022 2,659.50 765.44 1,894.06 22,445.90 5,542.22
15 6/18/2022 2,659.50 729.79 1,929.71 20,516.18 3,823.77
16 7/18/2022 2,659.50 645.19 2,014.31 18,501.88 3,944.02
17 8/18/2022 2,659.50 601.55 2,057.95 16,443.93 6,001.97
18 9/18/2022 2,659.50 534.64 2,124.86 14,319.07 4,182.80
19 10/18/2022 2,659.50 450.31 2,209.19 12,109.88 4,334.05
20 11/18/2022 2,659.50 393.73 2,265.77 9,844.11 6,599.82
21 12/18/2022 2,659.50 309.58 2,349.92 7,494.19 4,615.69
22 1/18/2023 2,659.50 243.66 2,415.84 5,078.35 4,765.76
23 2/18/2023 2,659.50 165.11 2,494.39 2,583.96 7,260.15
24 3/18/2023 2,659.50 75.76 2,583.74 0.23 5,078.12
Días entre
fechas Días Factor

405 405 0.6583563

29 434 0.63894269
31 465 0.61882283
30 495 0.59995544
31 526 0.58106326
31 557 0.56276599
30 587 0.54560772
31 618 0.52842691
30 648 0.51231562
31 679 0.49618316
31 710 0.4805587
28 738 0.4668696
31 769 0.4521682
30 799 0.43838197
31 830 0.42457763
30 860 0.41163261
31 891 0.39867059
31 922 0.38611673
30 952 0.37434435
31 983 0.36255651
30 1013 0.35150246
31 1044 0.34043389
31 1075 0.32971387
28 1103 0.32032171
Cuotas 12
Días x año 360
P 19,500.00
Cuotas 2,000.00
TCEA 0.50 0.48881396651
TCEA 2 0.48 Err:502 Err:502
Períodos Fecha Pagos Días
0 3/10/2020 -19,500.00 0 -19,500.00 -19,500.00
1 4/18/2020 2,000.00 39 1,914.05 1,916.84
2 5/18/2020 2,000.00 69 1,850.46 1,855.22
3 6/18/2020 2,000.00 100 1,786.96 1,793.64
4 7/18/2020 2,000.00 130 1,727.59 1,735.99
5 8/18/2020 2,000.00 161 1,668.32 1,678.36
6 9/18/2020 2,000.00 192 1,611.07 1,622.65
7 10/18/2020 2,050.00 222 1,596.48 1,609.75
8 11/18/2020 2,050.00 253 1,541.70 1,556.32
9 12/18/2020 2,050.00 283 1,490.48 1,506.29
10 1/18/2021 2,050.00 314 1,439.34 1,456.29
11 2/18/2021 2,050.00 345 1,389.95 1,407.95
12 3/18/2021 2,050.30 373 1,347.00 1,365.86
tasa 0.05
Valor presente 10000

Período Saldo per ant Pago Interes Amortización Saldo

0 10000
1 10000 1495.72 500 995.72 9004.28
2 9004.28 1495.72 450.214 1045.506 7958.774
3 7958.774 2991.44 397.9387 2593.5013 5365.2727
4 5365.2727 1495.72 268.26364 1227.456365 4137.816335
5 4137.816335 1495.72 206.89082 1288.8291833 2848.9871518
6 2848.987152 2991.44 142.44936 2848.9906424 0.00

Una deuda de $. 10000 contraida a una TEM del 5 %

se paga con 24 cuotas iguales, con la condición tasa 0.05
que las cuotas trimestrales sean el doble de las demás. Valor presente 10000
¿De cuánto son las cuotas mensuales?
(las cuotas 3,6,9…. Serán el doble de las demás)
Período Saldo per ant Pago Interes Amortización Saldo
0 10000
1 10000 550.19 500 50.19 9949.81
2 9949.81 550.19 497.4905 52.6995 9897.1105
3 9897.1105 1100.38 494.85553 605.524475 9291.586025
4 9291.586025 550.19 464.5793 85.61069875 9205.9753263
5 9205.975326 550.19 460.29877 89.891233688 9116.0840926
6 9116.084093 1100.38 455.8042 644.57579537 8471.5082972
7 8471.508297 550.19 423.57541 126.61458514 8344.8937121
8 8344.893712 550.19 417.24469 132.9453144 8211.9483977
9 8211.948398 1100.38 410.59742 689.78258012 7522.1658175
10 7522.165818 550.19 376.10829 174.08170912 7348.0841084
11 7348.084108 550.19 367.40421 182.78579458 7165.2983138
12 7165.298314 1100.38 358.26492 742.11508431 6423.1832295
13 6423.18323 550.19 321.15916 229.03083852 6194.152391
14 6194.152391 550.19 309.70762 240.48238045 5953.6700106
15 5953.670011 1100.38 297.6835 802.69649947 5150.9735111
16 5150.973511 550.19 257.54868 292.64132445 4858.3321866
17 4858.332187 550.19 242.91661 307.27339067 4551.058796
18 4551.058796 1100.38 227.55294 872.8270602 3678.2317358
19 3678.231736 550.19 183.91159 366.27841321 3311.9533225
20 3311.953323 550.19 165.59767 384.59233387 2927.3609887
21 2927.360989 1100.38 146.36805 954.01195057 1973.3490381
22 1973.349038 550.19 98.667452 451.52254809 1521.82649
23 1521.82649 550.19 76.091325 474.0986755 1047.7278145
24 1047.727815 1100.38 52.386391 1047.9936093 -0.27
 0.05

Pago Valor presente

1 1000 952.380952
2 1100 997.732426
3 1200 1036.60512
4 1300 1069.51322
5 1400 1096.93663
6 1500 1119.32309
6272.49144
P 10,000.00
i 0.45
n 4
R 5,815.59 5,815.59
Deuda residual
Deuda al inicio del Cuota Cuota Cuota Amortización Deuda al final del Saldo
Período período Periódica ® Interés (I) (A) período (D) Extinguido
0 10,000.00 0.00
1 10,000.00 5,815.59 4,500.00 1,315.59 8,684.41 1,315.59
2 8,684.41 5,815.59 3,907.98 1,907.61 6,776.79 3,223.21
3 6,776.79 5,815.59 3,049.56 2,766.04 4,010.75 5,989.25
4 4,010.75 5,815.59 1,804.84 4,010.75 0.00 10,000.00
P 10,000.00 A 2,500.00
i 0.45
n 4

Cuota Deuda al
Deuda al inicio Cuota Cuota Saldo
Período del período Amortizació final del
Periódica ® Interés (I) Extinguido
n (A) período (D)
0 10,000.00 0.00
1 10,000.00 7,000.00 4,500.00 2,500.00 7,500.00 2,500.00
2 7,500.00 5,875.00 3,375.00 2,500.00 5,000.00 5,000.00
3 5,000.00 4,750.00 2,250.00 2,500.00 2,500.00 7,500.00
4 2,500.00 3,625.00 1,125.00 2,500.00 0.00 10,000.00
P 10,000.00
i 0.45
n 4
If 0.25
Cuota del fondo ###

Cuota
Interés del Cuota del Interés del Saldo en el
Período préstamo Periódica
fondo fondo fondo
( R)
0 0.00
1 4,500.00 6,234.42 1,734.42 0.00 1,734.42
2 4,500.00 6,234.42 1,734.42 433.60 3,902.44
3 4,500.00 6,234.42 1,734.42 975.61 6,612.47
4 4,500.00 6,234.42 1,734.42 1,653.12 10,000.00