PRACTICO 3 CAPITALIZACION

1) Para el siguiente flujo, con interés de 9%, hallar:

a) Valor futuro en el mes 30 con capitalización mensual
b) Valor futuro en el mes 30 con capitalización trimestral
c) Valor futuro en el mes 30 con capitalización semestral

MES 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14
$ 3255 3255 3145 4500 2925 2815 7200 2595 2485 2375 2265 2155 2045 1935
MES 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29
$ 1715 1605 1495 1385 1380 1380 1380 1380 1800 1380 1380 1500 1500 1500
INCISO A INCISO B INCISO C
Capitalizacion Mensual mensual CapitalizacionTRIMESTRAL TRIMESTRAL CapitalizacionSEMESTRAL SEMESTRAL
Tasa % 9% anual 0.75% Mes Tasa % 9% anual 2.25% TRIMESTRAL Tasa % 9% anual 4.50% semestral
Flujos Mensual mensual Flujos Mensual TRIMESTRAL Flujos Mensual SEMESTRAL
0.75% 2.25% 4.50%
mes mes al reves F/P $ generado MES MES AL REVES F/P $ GENERADO MES MES AL REVES F/P $ GENERADO
1 29 1.2419570857 3255 4042.57031 1 9 1.22171484 9655 11795.6568 1 4 1.1925186 19895 23725.1576
2 28 1.2327117476 3255 4012.47674 2 8 1.19483114 10240 12235.0709 2 3 1.14116613 19075 21767.7438
3 27 1.2235352333 3145 3848.01831 3 7 1.16853901 12280 14349.6591 3 2 1.092025 8795 9604.35988
4 26 1.2144270306 4500 5464.92164 4 6 1.14282544 6795 7765.49888 4 1 1.045 8705 9096.725
5 25 1.2053866309 2925 3525.7559 5 5 1.11767769 3980 4448.35722 5 0 1 7260 7260
6 24 1.1964135294 2815 3367.90409 6 4 1.09308332 4815 5263.19618 TOTAL 71453.9863
7 23 1.1875072252 7200 8550.05202 7 3 1.06903014 4145 4431.12993
8 22 1.178667221 2595 3058.64144 8 2 1.04550625 4560 4767.5085
9 21 1.1698930234 2485 2907.18416 9 1 1.0225 4260 4355.85
10 20 1.1611841423 2375 2757.81234 10 0 1 3000 3000
11 19 1.1525400916 2265 2610.50331 TOTAL 72411.9275
12 18 1.1439603887 2155 2465.23464
13 17 1.1354445545 2045 2321.98411
14 16 1.1269921137 1935 2180.72974
15 15 1.1186025942 0 0
16 14 1.1102755278 1715 1904.12253
17 13 1.1020104494 1605 1768.72677
18 12 1.0938068977 1495 1635.24131
19 11 1.0856644146 1385 1503.64521
20 10 1.0775825455 1380 1487.06391
21 9 1.0695608392 1380 1475.99396
22 8 1.0615988478 1380 1465.00641
23 7 1.0536961269 1380 1454.10066
24 6 1.0458522351 1800 1882.53402
25 5 1.0380667346 1380 1432.53209
26 4 1.0303391907 1380 1421.86808
27 3 1.0226691719 1500 1534.00376
28 2 1.01505625 1500 1522.58438
29 1 1.0075 1500 1511.25
30 0 1 0 0
TOTAL 73112.4618
 2) Una pareja estuvo ahorrando en caja de ahorro al 3% con capitalización cada 120 días, durante 7 años de la siguiente manera, depósitos
mensuales de 300 $us durante dos años, en los siguientes dos años los ahorros son de 400 $us/mes y luego se incrementa a 550 $us/mes los
próximos años. Con este dinero al finalizar el séptimo año la pareja quiere invertir en un negocio en sociedad con otros empresarios. Cuánto
dinero ahorró en los 7 años.

CAPITALIZACION CUATRIMESTRE CUATRIMESTRE

TASA % 3% ANUAL 1% CUATRIMESTRAL
FLUJOS MENSUALES CUATRIMESTRE
1.00%
MES $ CUATRIMESTRE MES AL REVES F/P $ GENERADO
1 300
2 300
1 20 1.22019004 1200 1464.22805
3 300
4 300
5 300
6 300
2 19 1.20810895 1200 1449.73074
7 300
8 300
9 300
10 300
3 18 1.19614748 1200 1435.37697
11 300
12 300
13 300
14 300
4 17 1.18430443 1200 1421.16532
15 300
16 300
17 300
18 300
5 16 1.17257864 1200 1407.09437
19 300
20 300
21 300
22 300
6 15 1.16096896 1200 1393.16275
23 300
24 300
25 400
26 400
7 14 1.14947421 1600 1839.15874
27 400
28 400
29 400
30 400
8 13 1.13809328 1600 1820.94925
31 400
32 400
33 400
34 400
9 12 1.12682503 1600 1802.92005
35 400
36 400
37 400
38 400
10 11 1.11566835 1600 1785.06935
39 400
40 400
41 400
42 400
11 10 1.10462213 1600 1767.3954
43 400
44 400
45 400
46 400
12 9 1.09368527 1600 1749.89644
47 400
48 400
49 550
50 550
13 8 1.08285671 2200 2382.28475
51 550
52 550
53 550
54 550
14 7 1.07213535 2200 2358.69777
55 550
56 550
57 550
58 550
15 6 1.06152015 2200 2335.34433
59 550
60 550
61 550
62 550
16 5 1.05101005 2200 2312.22211
63 550
64 550
65 550
66 550
17 4 1.04060401 2200 2289.32882
67 550
68 550
69 550
70 550
18 3 1.030301 2200 2266.6622
71 550
72 550
73 550
74 550
19 2 1.0201 2200 2244.22
75 550
76 550
77 550
78 550
20 1 1.01 2200 2222
79 550
80 550
81 550
82 550
21 0 1 2200 2200
83 550
84 550
39946.9074 TOTAL
 3) Una persona estuvo ahorrando durante los últimos 4 años depositando en una caja de ahorro de un Banco que
paga el 3% capitalizando cada 30 días. El 1er y 2do año deposita 250 $us/quincena, el tercer año 550 $us/trimestre,
el último año 650 $us/mes. Determinar el saldo al finalizar el cuarto año.

CAPITALIZACION MENSUAL MENSUAL

TASA% 3% ANUAL 0.25% MENSUAL QUINCENA 250 MES 500
FLUJO MENSUAL MENSUAL
TRIMESTRE 550 MES 183.333333
0.25%
MES MES AL REVES F/P $ GENERADO
1 47 1.12451673 500 562.258365
2 46 1.12171245 500 560.856224
3 45 1.11891516 500 559.45758
4 44 1.11612485 500 558.062424
5 43 1.11334149 500 556.670747
6 42 1.11056508 500 555.282541
7 41 1.10779559 500 553.897796
8 40 1.10503301 500 552.516505
9 39 1.10227732 500 551.138658
10 38 1.0995285 500 549.764248
11 37 1.09678653 500 548.393265
12 36 1.0940514 500 547.0257
13 35 1.09132309 500 545.661547
14 34 1.08860159 500 544.300795
15 33 1.08588687 500 542.943436
16 32 1.08317892 500 541.589462
17 31 1.08047773 500 540.238865
18 30 1.07778327 500 538.891636
19 29 1.07509553 500 537.547767
20 28 1.0724145 500 536.207248
21 27 1.06974015 500 534.870073
22 26 1.06707247 500 533.536233
23 25 1.06441144 500 532.205718
24 24 1.06175704 500 530.878522
25 23 1.05910927 183.333333 194.170033
26 22 1.0564681 183.333333 193.685818
27 21 1.05383352 183.333333 193.202811
28 20 1.0512055 183.333333 192.721009
29 19 1.04858404 183.333333 192.240408
30 18 1.04596912 183.333333 191.761005
31 17 1.04336072 183.333333 191.282798
32 16 1.04075882 183.333333 190.805784
33 15 1.03816341 183.333333 190.329959
34 14 1.03557448 183.333333 189.855321
35 13 1.032992 183.333333 189.381866
36 12 1.03041596 183.333333 188.909592
37 11 1.02784634 650 668.100122
38 10 1.02528313 650 666.434037
39 9 1.02272632 650 664.772106
40 8 1.02017588 650 663.114321
41 7 1.0176318 650 661.460669
42 6 1.01509406 650 659.811141
43 5 1.01256266 650 658.165727
44 4 1.01003756 650 656.524416
45 3 1.00751877 650 654.887198
46 2 1.00500625 650 653.254063
47 1 1.0025 650 651.625
48 0 1 650 650
23320.6906 TOTAL
4) Una persona obtuvo un crédito de 48.000 $us a 8 años. Hoy canceló 810 por la cuota de este mes. La tasa de interés es
del 1% mensual. Determinar el valor total de la deuda pagado a la fecha.

saldo amortizacion interes cuota

1 48000 500 480 980 Pago hasta la fecha
2 47500 500 475 975 17000
3 47000 500 470 970
4 46500 500 465 965
5 46000 500 460 960
6 45500 500 455 955
7 45000 500 450 950
8 44500 500 445 945
9 44000 500 440 940
10 43500 500 435 935
11 43000 500 430 930
12 42500 500 425 925
13 42000 500 420 920
14 41500 500 415 915
15 41000 500 410 910
16 40500 500 405 905
17 40000 500 400 900
18 39500 500 395 895
19 39000 500 390 890
20 38500 500 385 885
21 38000 500 380 880
22 37500 500 375 875
23 37000 500 370 870
24 36500 500 365 865
25 36000 500 360 860
26 35500 500 355 855
27 35000 500 350 850
28 34500 500 345 845
29 34000 500 340 840
30 33500 500 335 835
31 33000 500 330 830
32 32500 500 325 825
33 32000 500 320 820
34 31500 500 315 815
35 31000 500 310 810
36 30500 500 305 805
37 30000 500 300 800
38 29500 500 295 795
39 29000 500 290 790
40 28500 500 285 785
41 28000 500 280 780
42 27500 500 275 775
43 27000 500 270 770
44 26500 500 265 765
45 26000 500 260 760
46 25500 500 255 755
47 25000 500 250 750
48 24500 500 245 745
49 24000 500 240 740
50 23500 500 235 735
51 23000 500 230 730
52 22500 500 225 725
53 22000 500 220 720
54 21500 500 215 715
55 21000 500 210 710
56 20500 500 205 705
57 20000 500 200 700
58 19500 500 195 695
59 19000 500 190 690
60 18500 500 185 685
61 18000 500 180 680
62 17500 500 175 675
63 17000 500 170 670
64 16500 500 165 665
65 16000 500 160 660
66 15500 500 155 655
67 15000 500 150 650
68 14500 500 145 645
69 14000 500 140 640
70 13500 500 135 635
71 13000 500 130 630
72 12500 500 125 625
73 12000 500 120 620
74 11500 500 115 615
75 11000 500 110 610
76 10500 500 105 605
77 10000 500 100 600
78 9500 500 95 595
79 9000 500 90 590
80 8500 500 85 585
81 8000 500 80 580
82 7500 500 75 575
83 7000 500 70 570
84 6500 500 65 565
85 6000 500 60 560
86 5500 500 55 555
87 5000 500 50 550
88 4500 500 45 545
89 4000 500 40 540
90 3500 500 35 535
91 3000 500 30 530
92 2500 500 25 525
93 2000 500 20 520
94 1500 500 15 515
95 1000 500 10 510
96 500 500 5 505
5) Una persona obtuvo un crédito de 20.000 $us al 18% a 10 años. Hoy canceló la cuota 55. Como la
tasa de interés es muy alta, solicito refinanciar una reducción de esta y le aceptaron refinanciar el
saldo bajo las siguientes condiciones: cuota fija, a 8 años al 9%. Determinar el monto mensual a
pagar.
saldo amortizacion interes
1 20000 166.66666667
2 19833.33333 166.66666667
3 19666.66667 166.66666667
4 19500 166.66666667
5 19333.33333 166.66666667
6 19166.66667 166.66666667
7 19000 166.66666667
8 18833.33333 166.66666667
9 18666.66667 166.66666667
10 18500 166.66666667
11 18333.33333 166.66666667
12 18166.66667 166.66666667
13 18000 166.66666667
14 17833.33333 166.66666667
15 17666.66667 166.66666667
16 17500 166.66666667
17 17333.33333 166.66666667
18 17166.66667 166.66666667
19 17000 166.66666667
20 16833.33333 166.66666667
21 16666.66667 166.66666667
22 16500 166.66666667
23 16333.33333 166.66666667
24 16166.66667 166.66666667
25 16000 166.66666667
26 15833.33333 166.66666667
27 15666.66667 166.66666667
28 15500 166.66666667
29 15333.33333 166.66666667
30 15166.66667 166.66666667
31 15000 166.66666667
32 14833.33333 166.66666667
33 14666.66667 166.66666667
34 14500 166.66666667
35 14333.33333 166.66666667
36 14166.66667 166.66666667
37 14000 166.66666667
38 13833.33333 166.66666667
39 13666.66667 166.66666667
40 13500 166.66666667
41 13333.33333 166.66666667
42 13166.66667 166.66666667
43 13000 166.66666667
44 12833.33333 166.66666667
45 12666.66667 166.66666667
46 12500 166.66666667
47 12333.33333 166.66666667
48 12166.66667 166.66666667
49 12000 166.66666667
50 11833.33333 166.66666667
51 11666.66667 166.66666667
52 11500 166.66666667
53 11333.33333 166.66666667
54 11166.66667 166.66666667
55 11000 166.66666667
56 10833.33333 166.66666667
tasa % 0.75%
tiempo 96 factor A/P 0.014650203
cuota fija 158.7105355
cuota
300 466.6666667 saldo cancelo 55 10833.33333 saldo amortizacion interes cuota
297.5 464.1666667 1 10833.33333 77.460535465 81.25 158.7105355
295 461.6666667 2 10755.8728 78.041489481 80.66904598 158.7105355
292.5 459.1666667 3 10677.83131 78.626800652 80.08373481 158.7105355
290 456.6666667 4 10599.20451 79.216501657 79.49403381 158.7105355
287.5 454.1666667 5 10519.98801 79.810625419 78.89991005 158.7105355
285 451.6666667 6 10440.17738 80.40920511 78.30133035 158.7105355
282.5 449.1666667 7 10359.76818 81.012274148 77.69826132 158.7105355
280 446.6666667 8 10278.7559 81.619866205 77.09066926 158.7105355
277.5 444.1666667 9 10197.13604 82.232015201 76.47852026 158.7105355
275 441.6666667 10 10114.90402 82.848755315 75.86178015 158.7105355
272.5 439.1666667 11 10032.05526 83.47012098 75.24041449 158.7105355
270 436.6666667 12 9948.585144 84.096146887 74.61438858 158.7105355
267.5 434.1666667 13 9864.488997 84.726867989 73.98366748 158.7105355
265 431.6666667 14 9779.762129 85.362319499 73.34821597 158.7105355
262.5 429.1666667 15 9694.399809 86.002536895 72.70799857 158.7105355
260 426.6666667 16 9608.397272 86.647555922 72.06297954 158.7105355
257.5 424.1666667 17 9521.749717 87.297412591 71.41312287 158.7105355
255 421.6666667 18 9434.452304 87.952143186 70.75839228 158.7105355
252.5 419.1666667 19 9346.500161 88.61178426 70.09875121 158.7105355
250 416.6666667 20 9257.888376 89.276372641 69.43416282 158.7105355
247.5 414.1666667 21 9168.612004 89.945945436 68.76459003 158.7105355
245 411.6666667 22 9078.666058 90.620540027 68.08999544 158.7105355
242.5 409.1666667 23 8988.045518 91.300194077 67.41034139 158.7105355
240 406.6666667 24 8896.745324 91.984945533 66.72558993 158.7105355
237.5 404.1666667 25 8804.760379 92.674832624 66.03570284 158.7105355
235 401.6666667 26 8712.085546 93.369893869 65.3406416 158.7105355
232.5 399.1666667 27 8618.715652 94.070168073 64.64036739 158.7105355
230 396.6666667 28 8524.645484 94.775694334 63.93484113 158.7105355
227.5 394.1666667 29 8429.86979 95.486512041 63.22402342 158.7105355
225 391.6666667 30 8334.383278 96.202660881 62.50787458 158.7105355
222.5 389.1666667 31 8238.180617 96.924180838 61.78635463 158.7105355
220 386.6666667 32 8141.256436 97.651112194 61.05942327 158.7105355
217.5 384.1666667 33 8043.605324 98.383495536 60.32703993 158.7105355
215 381.6666667 34 7945.221828 99.121371752 59.58916371 158.7105355
212.5 379.1666667 35 7846.100457 99.86478204 58.84575342 158.7105355
210 376.6666667 36 7746.235675 100.61376791 58.09676756 158.7105355
207.5 374.1666667 37 7645.621907 101.36837116 57.3421643 158.7105355
205 371.6666667 38 7544.253536 102.12863395 56.58190152 158.7105355
202.5 369.1666667 39 7442.124902 102.8945987 55.81593676 158.7105355
200 366.6666667 40 7339.230303 103.66630819 55.04422727 158.7105355
197.5 364.1666667 41 7235.563995 104.44380551 54.26672996 158.7105355
195 361.6666667 42 7131.120189 105.22713405 53.48340142 158.7105355
192.5 359.1666667 43 7025.893055 106.01633755 52.69419791 158.7105355
190 356.6666667 44 6919.876718 106.81146008 51.89907538 158.7105355
187.5 354.1666667 45 6813.065257 107.61254603 51.09798943 158.7105355
185 351.6666667 46 6705.452711 108.41964013 50.29089534 158.7105355
182.5 349.1666667 47 6597.033071 109.23278743 49.47774803 158.7105355
180 346.6666667 48 6487.800284 110.05203334 48.65850213 158.7105355
177.5 344.1666667 49 6377.748251 110.87742359 47.83311188 158.7105355
175 341.6666667 50 6266.870827 111.70900426 47.0015312 158.7105355
172.5 339.1666667 51 6155.161823 112.54682179 46.16371367 158.7105355
170 336.6666667 52 6042.615001 113.39092296 45.31961251 158.7105355
167.5 334.1666667 53 5929.224078 114.24135488 44.46918058 158.7105355
165 331.6666667 54 5814.982723 115.09816504 43.61237042 158.7105355
162.5 329.1666667 55 5699.884558 115.96140128 42.74913419 158.7105355
56 5583.923157 116.83111179 41.87942368 158.7105355
57 5467.092045 117.70734513 41.00319034 158.7105355
58 5349.3847 118.59015022 40.12038525 158.7105355
59 5230.79455 119.47957634 39.23095912 158.7105355
60 5111.314973 120.37567317 38.3348623 158.7105355
61 4990.9393 121.27849071 37.43204475 158.7105355
62 4869.660809 122.18807939 36.52245607 158.7105355
63 4747.47273 123.10448999 35.60604547 158.7105355
64 4624.36824 124.02777367 34.6827618 158.7105355
65 4500.340466 124.95798197 33.7525535 158.7105355
66 4375.382484 125.89516683 32.81536863 158.7105355
67 4249.487318 126.83938058 31.87115488 158.7105355
68 4122.647937 127.79067594 30.91985953 158.7105355
69 3994.857261 128.74910601 29.96142946 158.7105355
70 3866.108155 129.7147243 28.99581116 158.7105355
71 3736.393431 130.68758473 28.02295073 158.7105355
72 3605.705846 131.66774162 27.04279384 158.7105355
73 3474.038104 132.65524968 26.05528578 158.7105355
74 3341.382855 133.65016406 25.06037141 158.7105355
75 3207.732691 134.65254029 24.05799518 158.7105355
76 3073.08015 135.66243434 23.04810113 158.7105355
77 2937.417716 136.6799026 22.03063287 158.7105355
78 2800.737813 137.70500186 21.0055336 158.7105355
79 2663.032812 138.73778938 19.97274609 158.7105355
80 2524.295022 139.7783228 18.93221267 158.7105355
81 2384.516699 140.82666022 17.88387525 158.7105355
82 2243.690039 141.88286017 16.82767529 158.7105355
83 2101.807179 142.94698162 15.76355384 158.7105355
84 1958.860197 144.01908399 14.69145148 158.7105355
85 1814.841113 145.09922711 13.61130835 158.7105355
86 1669.741886 146.18747132 12.52306415 158.7105355
87 1523.554415 147.28387735 11.42665811 158.7105355
88 1376.270538 148.38850643 10.32202903 158.7105355
89 1227.882031 149.50142023 9.209115233 158.7105355
90 1078.380611 150.62268088 8.087854582 158.7105355
91 927.75793 151.75235099 6.958184475 158.7105355
92 776.005579 152.89049362 5.820041843 158.7105355
93 623.1150854 154.03717232 4.673363141 158.7105355
94 469.0779131 155.19245112 3.518084348 158.7105355
95 313.885462 156.3563945 2.354140965 158.7105355
96 157.5290675 157.52906746 1.181468006 158.7105355
 6) Una importadora automotriz tiene la siguiente publicidad. “Llévese un Vehículo 0 Km,
cuota inicial 10%, el resto a pagar en cuotas de 320 $us/mes, a 5 años plazo al 8% de
interés”. ¿Cuál es el valor del vehículo?

tiempo 60 credito del vehiculo 15781.8987 90.00%

tasa % 0.67% valor del vehiculo 17535.443 100.00%
factor A/P 0.02027639
cuota 320
 7) Una persona ahorro en una caja de ahorro al 3%, con capitalización trimestral, durante 3 años de la
siguiente manera: El 1er año una cantidad 400 $us/mes, el 2do año 500 $us/mes, el 3er año 600
$us/mes. Todo ese ahorro será retirado en 2 retiros semestrales de X $us/semestre. El primer retiro será
6 meses después del último depósito. Determinar el Valor de “X”

capitalizacion trimestral trimestral

tasa % 3% anual 0.75% trimestral
flujo mes trimestral

mes $/mes trimestre trimestre al reves F/P $/trimestre generado RETIROS/ SEMESTRE 969.824291
1 400 1 15 1.11860259 1200 1342.32311
2 400 1 2 14 1.11027553 1200 1332.33063
3 400 3 13 1.10201045 1200 1322.41254
4 400 4 12 1.0938069 1200 1312.56828
5 400 2 5 11 1.08566441 1500 1628.49662
6 400 6 10 1.07758255 1500 1616.37382
7 400 7 9 1.06956084 1500 1604.34126
8 400 3 8 8 1.06159885 1500 1592.39827
9 400 9 7 1.05369613 1800 1896.65303
10 400 10 6 1.04585224 1800 1882.53402
11 400 4 11 5 1.03806673 1800 1868.52012
12 400 12 4 1.03033919 1800 1854.61054
13 500 13 3 1.02266917 0 1896.65303
14 500 5 14 2 1.01505625 0 1925.20951 962.604755 MONTO RETIRADO
15 500 15 1 1.0075 0 969.824291
16 500 16 0 1 0 969.824291
17 500 6 969.824291 TOTAL
18 500
19 500
20 500 7
21 500
22 500
23 500 8
24 500
25 600
26 600 9
27 600
28 600
29 600 10
30 600
31 600
32 600 11
33 600
34 600
35 600 12
36 600
8) Una persona está elaborando un plan de ahorro mensual en una cooperativa a 10 años que le
permita retirar su dinero después de los 10 años de la siguiente manera: retiros mensuales de 1.000 PRIMER AÑO 1000
$us, durante 3 años, luego aumentar los retiros a 1.300 $us/mes durante los próximos 2 años, en el
siguiente año retirar 900 $us/mes, al finalizar los 6 años un último retiro de 10.000 $us, con esto la SEGUNDO AÑO 1000
cuenta quedará en cero. Cuanto debe ganar mensualmente esta persona para destinar el 30% de sus TERCER AÑO 1000
ingresos al ahorro mensual durante 10 años. La cooperativa paga el 3% en caja de ahorro. CUARTO AÑO 1300
QUINTO AÑO 1300
SEXTO AÑO 900
RETIRO FINALIZANDO 6TO AÑO 10000
SUELDO 30% DESTINADO TIEMPO TASA % TOTAL DE DINERO EN CUENTA
18902.576735 5670.7730206451 120 0.0025 9999.99999999986

MES MES AL REVES F/P DEPOSITOS GENERADO

1 191 1.611078963 5670.773021 9136.06311786481
2 190 1.60706131 5670.773021 9113.27991806964
3 189 1.603053676 5670.773021 9090.55353423405
4 188 1.599056036 5670.773021 9067.88382467237
5 187 1.595068365 5670.773021 9045.27064805224
6 186 1.591090638 5670.773021 9022.71386339376
7 185 1.587122831 5670.773021 9000.21333006859
8 184 1.583164919 5670.773021 8977.76890779909
9 183 1.579216876 5670.773021 8955.38045665745
10 182 1.57527868 5670.773021 8933.04783706479
11 181 1.571350304 5670.773021 8910.77090979031
12 180 1.567431725 5670.773021 8888.54953595044
13 179 1.563522917 5670.773021 8866.38357700791
14 178 1.559623858 5670.773021 8844.27289477099
15 177 1.555734521 5670.773021 8822.21735139251
16 176 1.551854884 5670.773021 8800.21680936908
17 175 1.547984922 5670.773021 8778.27113154024
18 174 1.54412461 5670.773021 8756.38018108752
19 173 1.540273926 5670.773021 8734.54382153368
20 172 1.536432843 5670.773021 8712.76191674183
21 171 1.53260134 5670.773021 8691.03433091454
22 170 1.528779392 5670.773021 8669.36092859306
23 169 1.524966974 5670.773021 8647.74157465642
24 168 1.521164064 5670.773021 8626.17613432062
25 167 1.517370637 5670.773021 8604.66447313778
26 166 1.513586671 5670.773021 8583.20645699529
27 165 1.50981214 5670.773021 8561.801952115
28 164 1.506047023 5670.773021 8540.45082505237
29 163 1.502291295 5670.773021 8519.15294269563
30 162 1.498544932 5670.773021 8497.90817226497
31 161 1.494807913 5670.773021 8476.71638131169
32 160 1.491080212 5670.773021 8455.5774377174
33 159 1.487361807 5670.773021 8434.49120969317
34 158 1.483652676 5670.773021 8413.45756577872
35 157 1.479952794 5670.773021 8392.47637484162
36 156 1.476262138 5670.773021 8371.54750607643
37 155 1.472580687 5670.773021 8350.67082900392
38 154 1.468908416 5670.773021 8329.84621347024
39 153 1.465245302 5670.773021 8309.07352964613
40 152 1.461591324 5670.773021 8288.35264802606
41 151 1.457946458 5670.773021 8267.68343942749
42 150 1.454310681 5670.773021 8247.06577499002
43 149 1.450683971 5670.773021 8226.49952617458
44 148 1.447066306 5670.773021 8205.98456476268
45 147 1.443457661 5670.773021 8185.52076285554
46 146 1.439858016 5670.773021 8165.10799287335
47 145 1.436267348 5670.773021 8144.74612755447
48 144 1.432685634 5670.773021 8124.43503995458
49 143 1.429112852 5670.773021 8104.17460344597
50 142 1.425548979 5670.773021 8083.96469171668
51 141 1.421993994 5670.773021 8063.80517876975
52 140 1.418447875 5670.773021 8043.69593892245
53 139 1.414910598 5670.773021 8023.63684680543
54 138 1.411382143 5670.773021 8003.62777736203
55 137 1.407862487 5670.773021 7983.66860584741
56 136 1.404351608 5670.773021 7963.75920782784
57 135 1.400849484 5670.773021 7943.89945917989
58 134 1.397356094 5670.773021 7924.08923608967
59 133 1.393871415 5670.773021 7904.32841505204
60 132 1.390395427 5670.773021 7884.61687286987
61 131 1.386928106 5670.773021 7864.95448665323
62 130 1.383469433 5670.773021 7845.34113381869
63 129 1.380019384 5670.773021 7825.77669208847
64 128 1.376577939 5670.773021 7806.26103948974
65 127 1.373145077 5670.773021 7786.79405435386
66 126 1.369720775 5670.773021 7767.37561531557
67 125 1.366305012 5670.773021 7748.00560131229
68 124 1.362897768 5670.773021 7728.68389158333
69 123 1.35949902 5670.773021 7709.41036566916
70 122 1.356108748 5670.773021 7690.18490341063
71 121 1.352726931 5670.773021 7671.00738494826
72 120 1.349353547 5670.773021 7651.87769072146
73 119 1.345988576 5670.773021 7632.79570146779
74 118 1.342631996 5670.773021 7613.76129822224
75 117 1.339283786 5670.773021 7594.77436231644
76 116 1.335943926 5670.773021 7575.834775378
77 115 1.332612395 5670.773021 7556.94241932968
78 114 1.329289173 5670.773021 7538.0971763887
79 113 1.325974237 5670.773021 7519.29892906604
80 112 1.322667568 5670.773021 7500.54756016563
81 111 1.319369145 5670.773021 7481.84295278367
82 110 1.316078948 5670.773021 7463.1849903079
83 109 1.312796955 5670.773021 7444.57355641686
84 108 1.309523148 5670.773021 7426.00853507916
85 107 1.306257504 5670.773021 7407.48981055278
86 106 1.303000004 5670.773021 7389.01726738432
87 105 1.299750627 5670.773021 7370.5907904083
88 104 1.296509354 5670.773021 7352.21026474643
89 103 1.293276163 5670.773021 7333.87557580691
90 102 1.290051036 5670.773021 7315.58660928371
91 101 1.286833951 5670.773021 7297.34325115582
92 100 1.283624889 5670.773021 7279.1453876866
93 99 1.280423829 5670.773021 7260.99290542304
94 98 1.277230752 5670.773021 7242.88569119506
95 97 1.274045638 5670.773021 7224.82363211477
96 96 1.270868467 5670.773021 7206.80661557583
97 95 1.267699219 5670.773021 7188.8345292527
98 94 1.264537874 5670.773021 7170.90726109995
99 93 1.261384413 5670.773021 7153.02469935157
100 92 1.258238816 5670.773021 7135.18673252027
101 91 1.255101064 5670.773021 7117.39324939678
102 90 1.251971136 5670.773021 7099.64413904916
103 89 1.248849013 5670.773021 7081.9392908221
104 88 1.245734676 5670.773021 7064.27859433626
105 87 1.242628106 5670.773021 7046.66193948754
106 86 1.239529283 5670.773021 7029.08921644643
107 85 1.236438188 5670.773021 7011.56031565728
108 84 1.233354801 5670.773021 6994.07512783769
109 83 1.230279103 5670.773021 6976.63354397775
110 82 1.227211075 5670.773021 6959.2354553394
111 81 1.224150698 5670.773021 6941.88075345576
112 80 1.221097953 5670.773021 6924.56933013043
113 79 1.218052821 5670.773021 6907.30107743684
114 78 1.215015283 5670.773021 6890.07588771755
115 77 1.21198532 5670.773021 6872.89365358359
116 76 1.208962913 5670.773021 6855.75426791381
117 75 1.205948043 5670.773021 6838.65762385417
118 74 1.202940691 5670.773021 6821.60361481713
119 73 1.199940839 5670.773021 6804.59213448093
120 72 1.196948468 5670.773021 6787.62307678895
121 71 1.193963559 6910.21104480951 1
122 70 1.190986093 7038.97916344472 2
123 69 1.188016053 7174.40419153409 3
124 68 1.18505342 7316.99880191398 4
125 67 1.182098174 7467.31275070164 5
126 66 1.179150299 7625.93376073123 6
127 65 1.176209774 7793.48805193226 7
128 64 1.173276583 7970.64044582129 8
129 63 1.170350706 8158.09396621552 9
130 62 1.167432126 8356.58885399397 10
131 61 1.164520824 8566.90091047136 11
132 60 1.161616782 8789.83908196939 12
133 59 1.158719982 9026.2421977364 13
134 58 1.155830406 9276.97477475155 14
135 57 1.152948035 9542.92180642088 15
136 56 1.150072853 9824.98245798574 16
137 55 1.147204841 10124.0625998533 17
138 54 1.144343981 10441.0661212261 18
139 53 1.141490256 10776.8849805114 19
140 52 1.138643647 11132.3879661403 20
141 51 1.135804136 11508.4081616532 21
142 50 1.132971707 11905.7291321857 22
143 49 1.130146341 12325.0698756859 23
144 48 1.127328021 12767.0686110959 24
145 47 1.124516729 13232.2655070203 25
146 46 1.121712448 13721.0844876479 26
147 45 1.11891516 14233.8142873654 27
148 44 1.116124848 14770.5889609513 28
149 43 1.113341494 15331.368091729 29
150 42 1.110565082 15915.916974747 30
151 41 1.107795593 16523.7870850236 31
152 40 1.10503301 17154.2971711663 32
153 39 1.102277317 17806.5153412204 33
154 38 1.099528496 18479.2425293764 34
155 37 1.096786529 19170.9977481472 35
156 36 1.094051401 19880.0055398009 36
157 35 1.091323093 20276.7891144036 1
158 34 1.088601589 20658.1627853403 2
159 33 1.085886872 21020.7748324694 3
160 32 1.083178925 21361.1276748482 4
161 31 1.08047773 21675.6016963916 5
162 30 1.077783272 21960.4826667448 6
163 29 1.075095533 22211.9926295488 7
164 28 1.072414497 22426.3240569817 8
165 27 1.069740147 22599.6769944363 9
166 26 1.067072465 22728.2988440573 10
167 25 1.064411437 22808.5263623392 11
168 24 1.061757044 22836.8293769081 12
169 23 1.059109271 22809.8556628434 13
170 22 1.056468101 22724.4763612986 14
171 21 1.053833517 22577.8312745588 15
172 20 1.051205503 22367.373333709 16
173 19 1.048584043 22090.9115093051 17
174 18 1.04596912 21746.6514231308 18
175 17 1.043360719 21333.2329213123 19
176 16 1.040758822 20849.7638864663 20
177 15 1.038163413 20295.8495995185 21
178 14 1.035574477 19671.6170103512 22
179 13 1.032991997 18977.7333400739 23
180 12 1.030415957 18215.4185156741 24
181 11 1.027846341 17797.5895652731 1
182 10 1.025283133 17324.8135734804 2
183 9 1.022726317 16798.0891005488 3
184 8 1.020175878 16218.8470025388 4
185 7 1.017631798 15588.9458222219 5
186 6 1.015094063 14910.661697137 6
187 5 1.012562656 14186.672826611 7
188 4 1.010037563 13420.0386360442 8
189 3 1.007518766 12614.1738721646 9
190 2 1.00500625 11772.8179551121 10
191 1 1.0025 10899.9999999999 11
192 0 1 9999.99999999986 12
0.00 ULTIMO RETIRO
9) Un joven profesional pensando en comprarse un vehículo dentro de dos años decide depositar mensualmente una
cantidad igual durante 24 meses en una cooperativa que paga 4% anual de intereses capitalizable trimestralmente. Cuanto
debe ser el depósito mensual para retirar el último mes 3.000 $us.

DEPOSITO INTERES CAPITALIZABLE META DEPOSITOS MENSUALES

362.070876 1.00% TRIMESTRAL 3000 120.690292043315

MES MES AL REVES F/P $/TRIMESTRAL GENERADO

1 7 1.072135352107 362.07087613 388.188986267273
2 6 1.061520150601 362.07087613 384.345530957696
3 5 1.0510100501 362.07087613 380.540129661086
4 4 1.04060401 362.07087613 376.772405605035
5 3 1.030301 362.07087613 373.04198574756
6 2 1.0201 362.07087613 369.348500740158
7 1 1.01 362.07087613 365.691584891246
8 0 1 362.07087613 362.070876129946
3000 TOTAL RETIRO
10) Una pareja quiere saber cuánto dinero tendrá en 5 años suponiendo que deposita el 40% de sus ingresos mensuales en
una cooperativa que paga el 4% de interés anual capitalizable mensualmente. Actualmente la pareja tiene tres ingresos que
suman 1640 $us/mes. Calcule el valor requerido.

TASA % CAPITALIZABLE INGRESOS DEPOSITO

0.33% MENSUAL 1640 656

MES MES AL REVES F/P $ GENERADO

1 59 1.21694013 656 798.312723
2 58 1.21289714 656 795.660521
3 57 1.20886758 656 793.017131
4 56 1.20485141 656 790.382523
5 55 1.20084858 656 787.756667
6 54 1.19685905 656 785.139535
7 53 1.19288277 656 782.531098
8 52 1.18891971 656 779.931327
9 51 1.18496981 656 777.340193
10 50 1.18103303 656 774.757668
11 49 1.17710933 656 772.183722
12 48 1.17319867 656 769.618328
13 47 1.169301 656 767.061456
14 46 1.16541628 656 764.513079
15 45 1.16154446 656 761.973168
16 44 1.15768551 656 759.441696
17 43 1.15383938 656 756.918634
18 42 1.15000603 656 754.403954
19 41 1.14618541 656 751.897629
20 40 1.14237748 656 749.39963
21 39 1.13858221 656 746.90993
22 38 1.13479955 656 744.428502
23 37 1.13102945 656 741.955318
24 36 1.12727187 656 739.49035
25 35 1.12352679 656 737.033571
26 34 1.11979414 656 734.584955
27 33 1.11607389 656 732.144473
28 32 1.11236601 656 729.712099
29 31 1.10867044 656 727.287807
30 30 1.10498715 656 724.871568
31 29 1.10131609 656 722.463357
32 28 1.09765724 656 720.063146
33 27 1.09401053 656 717.67091
34 26 1.09037595 656 715.286621
35 25 1.08675344 656 712.910254
36 24 1.08314296 656 710.541781
37 23 1.07954448 656 708.181177
38 22 1.07595795 656 705.828416
39 21 1.07238334 656 703.483471
40 20 1.0688206 656 701.146317
41 19 1.06526971 656 698.816927
42 18 1.0617306 656 696.495276
43 17 1.05820326 656 694.181338
44 16 1.05468763 656 691.875088
45 15 1.05118369 656 689.5765
46 14 1.04769138 656 687.285548
47 13 1.04421068 656 685.002207
48 12 1.04074154 656 682.726452
49 11 1.03728393 656 680.458258
50 10 1.0338378 656 678.197599
51 9 1.03040313 656 675.944451
52 8 1.02697986 656 673.698788
53 7 1.02356797 656 671.460587
54 6 1.02016741 656 669.22982
55 5 1.01677815 656 667.006466
56 4 1.01340015 656 664.790497
57 3 1.01003337 656 662.581891
58 2 1.00667778 656 660.380622
59 1 1.00333333 656 658.186667
60 0 1 656 656
43492.1297 TOTAL AHORRO
11) Un inversionista pretende sacar un prestado hipotecario de 2.800.000 $us para construir
viviendas pequeñas en lugares de alta demanda. El crédito es a 20 años plazo, al 7%. Considerando
que puede construir un edificio con 90 mini departamentos. Cuanto debe cobrar por el alquiler en
cada departamento para que le alcance para pagar sus cuotas y mantener el edificio, (70% para
pagar la deuda, 20% ahorro impuestos y otros 10% para mantenimiento). PAGO MANTENIMIENTO 3101.19574 COBRO DE ALQUILER POR DEPA
PAGO IMPUESTOS 6202.39148 344.577304719499
PAGO DEUDA 21708.3702
PRESTAMO TIEMPO TASA % A/P CUOTA
2800000 240 0.58% 0.00775299 21708.3702 70% 24809.5659 80%
24809.5659 80% 31011.9574 100%
SALDO AMORTIZACION TASA % CUOTA
1 2800000 5375.0368639951 16333.3333 21708.3702
2 2794624.96 5406.3912457018 16301.979 21708.3702
3 2789218.57 5437.9285279684 16270.4417 21708.3702
4 2783780.64 5469.6497777148 16238.7204 21708.3702
5 2778310.99 5501.5560680848 16206.8141 21708.3702
6 2772809.44 5533.648478482 16174.7217 21708.3702
7 2767275.79 5565.9280946065 16142.4421 21708.3702
8 2761709.86 5598.3960084917 16109.9742 21708.3702
9 2756111.46 5631.0533185412 16077.3169 21708.3702
10 2750480.41 5663.901129566 16044.4691 21708.3702
11 2744816.51 5696.9405528219 16011.4296 21708.3702
12 2739119.57 5730.1727060466 15978.1975 21708.3702
13 2733389.4 5763.5987134986 15944.7715 21708.3702
14 2727625.8 5797.219705994 15911.1505 21708.3702
15 2721828.58 5831.0368209456 15877.3334 21708.3702
16 2715997.54 5865.0512024011 15843.319 21708.3702
17 2710132.49 5899.2640010818 15809.1062 21708.3702
18 2704233.23 5933.6763744215 15774.6938 21708.3702
19 2698299.55 5968.2894866056 15740.0807 21708.3702
20 2692331.26 6003.1045086108 15705.2657 21708.3702
21 2686328.16 6038.1226182443 15670.2476 21708.3702
22 2680290.03 6073.3450001841 15635.0252 21708.3702
23 2674216.69 6108.7728460185 15599.5974 21708.3702
24 2668107.92 6144.407354287 15563.9628 21708.3702
25 2661963.51 6180.2497305203 15528.1205 21708.3702
26 2655783.26 6216.3011872817 15492.069 21708.3702
27 2649566.96 6252.5629442075 15455.8073 21708.3702
28 2643314.39 6289.0362280487 15419.334 21708.3702
29 2637025.36 6325.7222727123 15382.6479 21708.3702
30 2630699.64 6362.6223193031 15345.7479 21708.3702
31 2624337.01 6399.7376161657 15308.6326 21708.3702
32 2617937.28 6437.0694189267 15271.3008 21708.3702
33 2611500.21 6474.6189905371 15233.7512 21708.3702
34 2605025.59 6512.3876013152 15195.9826 21708.3702
35 2598513.2 6550.3765289896 15157.9937 21708.3702
36 2591962.82 6588.587058742 15119.7831 21708.3702
37 2585374.24 6627.0204832513 15081.3497 21708.3702
38 2578747.22 6665.678102737 15042.6921 21708.3702
39 2572081.54 6704.5612250029 15003.809 21708.3702
40 2565376.98 6743.6711654821 14964.699 21708.3702
41 2558633.31 6783.0092472808 14925.361 21708.3702
42 2551850.3 6822.5768012232 14885.7934 21708.3702
43 2545027.72 6862.375165897 14845.995 21708.3702
44 2538165.34 6902.4056876981 14805.9645 21708.3702
45 2531262.94 6942.6697208763 14765.7005 21708.3702
46 2524320.27 6983.1686275814 14725.2016 21708.3702
47 2517337.1 7023.903777909 14684.4664 21708.3702
48 2510313.2 7064.8765499468 14643.4936 21708.3702
49 2503248.32 7106.0883298215 14602.2819 21708.3702
50 2496142.23 7147.5405117455 14560.8297 21708.3702
51 2488994.69 7189.234498064 14519.1357 21708.3702
52 2481805.46 7231.1716993027 14477.1985 21708.3702
53 2474574.29 7273.3535342153 14435.0167 21708.3702
54 2467300.93 7315.7814298315 14392.5888 21708.3702
55 2459985.15 7358.4568215055 14349.9134 21708.3702
56 2452626.69 7401.3811529643 14306.989 21708.3702
57 2445225.31 7444.5558763566 14263.8143 21708.3702
58 2437780.76 7487.982452302 14220.3877 21708.3702
59 2430292.77 7531.6623499405 14176.7078 21708.3702
60 2422761.11 7575.5970469818 14132.7732 21708.3702
61 2415185.51 7619.7880297558 14088.5822 21708.3702
62 2407565.73 7664.2367932628 14044.1334 21708.3702
63 2399901.49 7708.9448412235 13999.4254 21708.3702
64 2392192.54 7753.9136861306 13954.4565 21708.3702
65 2384438.63 7799.1448492997 13909.2253 21708.3702
66 2376639.49 7844.6398609206 13863.7303 21708.3702
67 2368794.85 7890.4002601093 13817.9699 21708.3702
68 2360904.45 7936.4275949599 13771.9426 21708.3702
69 2352968.02 7982.7234225972 13725.6468 21708.3702
70 2344985.3 8029.289309229 13679.0809 21708.3702
71 2336956.01 8076.1268301995 13632.2434 21708.3702
72 2328879.88 8123.2375700424 13585.1326 21708.3702
73 2320756.64 8170.6231225343 13537.7471 21708.3702
74 2312586.02 8218.2850907491 13490.0851 21708.3702
75 2304367.73 8266.2250871118 13442.1451 21708.3702
76 2296101.51 8314.4447334532 13393.9255 21708.3702
77 2287787.06 8362.9456610651 13345.4245 21708.3702
78 2279424.12 8411.7295107546 13296.6407 21708.3702
79 2271012.39 8460.7979329007 13247.5723 21708.3702
80 2262551.59 8510.1525875093 13198.2176 21708.3702
81 2254041.44 8559.7951442697 13148.5751 21708.3702
82 2245481.64 8609.7272826113 13098.6429 21708.3702
83 2236871.92 8659.9506917599 13048.4195 21708.3702
84 2228211.96 8710.4670707951 12997.9031 21708.3702
85 2219501.5 8761.2781287081 12947.0921 21708.3702
86 2210740.22 8812.3855844589 12895.9846 21708.3702
87 2201927.83 8863.7911670349 12844.579 21708.3702
88 2193064.04 8915.4966155093 12792.8736 21708.3702
89 2184148.55 8967.5036790998 12740.8665 21708.3702
90 2175181.04 9019.8141172278 12688.5561 21708.3702
91 2166161.23 9072.4296995783 12635.9405 21708.3702
92 2157088.8 9125.3522061592 12583.018 21708.3702
93 2147963.45 9178.5834273618 12529.7868 21708.3702
94 2138784.86 9232.1251640214 12476.245 21708.3702
95 2129552.74 9285.9792274782 12422.391 21708.3702
96 2120266.76 9340.1474396385 12368.2228 21708.3702
97 2110926.61 9394.6316330364 12313.7386 21708.3702
98 2101531.98 9449.4336508958 12258.9365 21708.3702
99 2092082.55 9504.5553471927 12203.8149 21708.3702
100 2082577.99 9559.9985867179 12148.3716 21708.3702
101 2073017.99 9615.7652451405 12092.605 21708.3702
102 2063402.23 9671.8572090704 12036.513 21708.3702
103 2053730.37 9728.2763761234 11980.0938 21708.3702
104 2044002.09 9785.0246549841 11923.3455 21708.3702
105 2034217.07 9842.1039654715 11866.2662 21708.3702
106 2024374.96 9899.5162386034 11808.854 21708.3702
107 2014475.45 9957.2634166619 11751.1068 21708.3702
108 2004518.18 10015.347453259 11693.0227 21708.3702
109 1994502.84 10073.770313403 11634.5999 21708.3702
110 1984429.07 10132.533973565 11575.8362 21708.3702
111 1974296.53 10191.640421744 11516.7298 21708.3702
112 1964104.89 10251.091657537 11457.2785 21708.3702
113 1953853.8 10310.889692206 11397.4805 21708.3702
114 1943542.91 10371.036548744 11337.3336 21708.3702
115 1933171.87 10431.534261945 11276.8359 21708.3702
116 1922740.34 10492.384878473 11215.9853 21708.3702
117 1912247.96 10553.590456931 11154.7797 21708.3702
118 1901694.37 10615.15306793 11093.2171 21708.3702
119 1891079.21 10677.074794159 11031.2954 21708.3702
120 1880402.14 10739.357730459 10969.0125 21708.3702
121 1869662.78 10802.003983886 10906.3662 21708.3702
122 1858860.78 10865.015673792 10843.3545 21708.3702
123 1847995.76 10928.394931889 10779.9753 21708.3702
124 1837067.36 10992.143902325 10716.2263 21708.3702
125 1826075.22 11056.264741756 10652.1055 21708.3702
126 1815018.96 11120.759619416 10587.6106 21708.3702
127 1803898.2 11185.630717196 10522.7395 21708.3702
128 1792712.57 11250.880229713 10457.49 21708.3702
129 1781461.69 11316.510364386 10391.8598 21708.3702
130 1770145.18 11382.523341512 10325.8469 21708.3702
131 1758762.65 11448.921394337 10259.4488 21708.3702
132 1747313.73 11515.706769137 10192.6634 21708.3702
133 1735798.02 11582.881725291 10125.4885 21708.3702
134 1724215.14 11650.448535355 10057.9217 21708.3702
135 1712564.69 11718.409485145 9989.96071 21708.3702
136 1700846.28 11786.766873808 9921.60332 21708.3702
137 1689059.52 11855.523013905 9852.84718 21708.3702
138 1677203.99 11924.680231486 9783.68997 21708.3702
139 1665279.31 11994.24086617 9714.12933 21708.3702
140 1653285.07 12064.207271223 9644.16293 21708.3702
141 1641220.87 12134.581813638 9573.78838 21708.3702
142 1629086.28 12205.366874218 9503.00332 21708.3702
143 1616880.92 12276.56484765 9431.80535 21708.3702
144 1604604.35 12348.178142595 9360.19205 21708.3702
145 1592256.17 12420.20918176 9288.16102 21708.3702
146 1579835.96 12492.660401987 9215.7098 21708.3702
147 1567343.3 12565.534254332 9142.83594 21708.3702
148 1554777.77 12638.833204149 9069.53699 21708.3702
149 1542138.94 12712.559731173 8995.81047 21708.3702
150 1529426.38 12786.716329605 8921.65387 21708.3702
151 1516639.66 12861.305508194 8847.06469 21708.3702
152 1503778.36 12936.329790326 8772.04041 21708.3702
153 1490842.03 13011.791714103 8696.57848 21708.3702
154 1477830.23 13087.693832435 8620.67636 21708.3702
155 1464742.54 13164.038713124 8544.33148 21708.3702
156 1451578.5 13240.828938951 8467.54126 21708.3702
157 1438337.67 13318.067107761 8390.30309 21708.3702
158 1425019.61 13395.755832556 8312.61436 21708.3702
159 1411623.85 13473.89774158 8234.47246 21708.3702
160 1398149.95 13552.495478405 8155.87472 21708.3702
161 1384597.46 13631.551702029 8076.8185 21708.3702
162 1370965.9 13711.069086958 7997.30111 21708.3702
163 1357254.84 13791.050323299 7917.31987 21708.3702
164 1343463.79 13871.498116851 7836.87208 21708.3702
165 1329592.29 13952.415189199 7755.95501 21708.3702
166 1315639.87 14033.804277803 7674.56592 21708.3702
167 1301606.07 14115.66813609 7592.70206 21708.3702
168 1287490.4 14198.009533551 7510.36066 21708.3702
169 1273292.39 14280.83125583 7427.53894 21708.3702
170 1259011.56 14364.136104822 7344.23409 21708.3702
171 1244647.42 14447.926898767 7260.4433 21708.3702
172 1230199.5 14532.206472343 7176.16372 21708.3702
173 1215667.29 14616.977676765 7091.39252 21708.3702
174 1201050.31 14702.24337988 7006.12682 21708.3702
175 1186348.07 14788.006466262 6920.36373 21708.3702
176 1171560.06 14874.269837315 6834.10036 21708.3702
177 1156685.79 14961.036411366 6747.33379 21708.3702
178 1141724.76 15048.309123766 6660.06107 21708.3702
179 1126676.45 15136.090926988 6572.27927 21708.3702
180 1111540.36 15224.384790729 6483.98541 21708.3702
181 1096315.97 15313.193702008 6395.1765 21708.3702
182 1081002.78 15402.52066527 6305.84953 21708.3702
183 1065600.26 15492.368702484 6216.00149 21708.3702
184 1050107.89 15582.740853248 6125.62934 21708.3702
185 1034525.15 15673.640174892 6034.73002 21708.3702
186 1018851.51 15765.069742579 5943.30045 21708.3702
187 1003086.44 15857.032649411 5851.33755 21708.3702
188 987229.404 15949.532006532 5758.83819 21708.3702
189 971279.872 16042.570943237 5665.79925 21708.3702
190 955237.301 16136.152607073 5572.21759 21708.3702
191 939101.149 16230.280163947 5478.09003 21708.3702
192 922870.868 16324.956798237 5383.4134 21708.3702
193 906545.912 16420.185712893 5288.18448 21708.3702
194 890125.726 16515.970129552 5192.40007 21708.3702
195 873609.756 16612.313288641 5096.05691 21708.3702
196 856997.442 16709.218449491 4999.15175 21708.3702
197 840288.224 16806.688890447 4901.68131 21708.3702
198 823481.535 16904.727908974 4803.64229 21708.3702
199 806576.807 17003.338821777 4705.03138 21708.3702
200 789573.468 17102.524964904 4605.84523 21708.3702
201 772470.943 17202.289693866 4506.0805 21708.3702
202 755268.654 17302.636383747 4405.73381 21708.3702
203 737966.017 17403.568429318 4304.80177 21708.3702
204 720562.449 17505.089245156 4203.28095 21708.3702
205 703057.36 17607.202265753 4101.16793 21708.3702
206 685450.157 17709.910945636 3998.45925 21708.3702
207 667740.246 17813.218759486 3895.15144 21708.3702
208 649927.028 17917.12920225 3791.241 21708.3702
209 632009.899 18021.645789263 3686.72441 21708.3702
210 613988.253 18126.772056367 3581.59814 21708.3702
211 595861.481 18232.511560029 3475.85864 21708.3702
212 577628.969 18338.867877462 3369.50232 21708.3702
213 559290.101 18445.844606748 3262.52559 21708.3702
214 540844.257 18553.445366954 3154.92483 21708.3702
215 522290.811 18661.673798261 3046.6964 21708.3702
216 503629.137 18770.533562084 2937.83664 21708.3702
217 484858.604 18880.028341196 2828.34186 21708.3702
218 465978.576 18990.161839853 2718.20836 21708.3702
219 446988.414 19100.937783919 2607.43241 21708.3702
220 427887.476 19212.359920992 2496.01028 21708.3702
221 408675.116 19324.432020531 2383.93818 21708.3702
222 389350.684 19437.157873984 2271.21232 21708.3702
223 369913.526 19550.541294916 2157.8289 21708.3702
224 350362.985 19664.586119136 2043.78408 21708.3702
225 330698.399 19779.296204831 1929.07399 21708.3702
226 310919.103 19894.675432693 1813.69476 21708.3702
227 291024.427 20010.72770605 1697.64249 21708.3702
228 271013.699 20127.456951002 1580.91325 21708.3702
229 250886.242 20244.867116549 1463.50308 21708.3702
230 230641.375 20362.962174729 1345.40802 21708.3702
231 210278.413 20481.746120748 1226.62408 21708.3702
232 189796.667 20601.22297312 1107.14722 21708.3702
233 169195.444 20721.396773796 986.973424 21708.3702
234 148474.047 20842.27158831 866.098609 21708.3702
235 127631.776 20963.851505908 744.518691 21708.3702
236 106667.924 21086.140639693 622.229558 21708.3702
237 85581.7835 21209.143126758 499.227071 21708.3702
238 64372.6404 21332.86312833 375.507069 21708.3702
239 43039.7773 21457.304829912 251.065367 21708.3702
240 21582.4724 21582.47244142 125.897756 21708.3702
12) Una Industria debe invertir obligatoriamente en un sistema de tratamiento de aguas que vale 30.000 $us. Este sistema le permitirá ahorrar en algunos otros
ítems y además cumplir con las normativas medioambientales. Cuanto debe ahorrar como mínimo anualmente la empresa para pagar la inversión en 8 años a una
tasa de interés del 10% anual.

CREDITO TASA % TIEMPO A/P CUOTA FIJA

LA EMPRESA DEBE AHORRAR ANUALMENTE 5462.69908
30000 0.83% 96 0.015174164 455.224923

SALDO AMORTIZACION INTERES CUOTA

1 30000 205.22492293413 250 455.22492293
2 29794.775077 206.93513062525 248.28979231 455.22492293
3 29587.839946 208.65959004713 246.56533289 455.22492293
4 29379.180356 210.39841996419 244.82650297 455.22492293
5 29168.781936 212.15174013055 243.0731828 455.22492293
6 28956.630196 213.91967129831 241.30525164 455.22492293
7 28742.710525 215.7023352258 239.52258771 455.22492293
8 28527.00819 217.49985468601 237.72506825 455.22492293
9 28309.508335 219.31235347506 235.91256946 455.22492293
10 28090.195982 221.13995642069 234.08496651 455.22492293
11 27869.056025 222.98278939086 232.24213354 455.22492293
12 27646.073236 224.84097930245 230.38394363 455.22492293
13 27421.232256 226.71465412997 228.5102688 455.22492293
14 27194.517602 228.60394291439 226.62098002 455.22492293
15 26965.913659 230.50897577201 224.71594716 455.22492293
16 26735.404684 232.42988390344 222.79503903 455.22492293
17 26502.9748 234.36679960263 220.85812333 455.22492293
18 26268.608 236.31985626599 218.90506667 455.22492293
19 26032.288144 238.28918840154 216.93573453 455.22492293
20 25793.998956 240.27493163822 214.9499913 455.22492293
21 25553.724024 242.2772227352 212.9477002 455.22492293
22 25311.446801 244.29619959133 210.92872334 455.22492293
23 25067.150602 246.33200125459 208.89292168 455.22492293
24 24820.8186 248.38476793171 206.840155 455.22492293
25 24572.433832 250.45464099781 204.77028194 455.22492293
26 24321.979191 252.54176300613 202.68315993 455.22492293
27 24069.437428 254.64627769784 200.57864524 455.22492293
28 23814.791151 256.76833001199 198.45659292 455.22492293
29 23558.022821 258.90806609543 196.31685684 455.22492293
30 23299.114755 261.06563331289 194.15928962 455.22492293
31 23038.049121 263.24118025716 191.98374268 455.22492293
32 22774.807941 265.4348567593 189.79006617 455.22492293
33 22509.373084 267.64681389897 187.57810904 455.22492293
34 22241.72627 269.87720401479 185.34771892 455.22492293
35 21971.849066 272.12618071491 183.09874222 455.22492293
36 21699.722886 274.39389888754 180.83102405 455.22492293
37 21425.328987 276.6805147116 178.54440822 455.22492293
38 21148.648472 278.98618566753 176.23873727 455.22492293
39 20869.662286 281.31107054809 173.91385239 455.22492293
40 20588.351216 283.65532946933 171.56959346 455.22492293
41 20304.695886 286.01912388157 169.20579905 455.22492293
42 20018.676762 288.40261658058 166.82230635 455.22492293
43 19730.274146 290.80597171876 164.41895122 455.22492293
44 19439.468174 293.22935481641 161.99556812 455.22492293
45 19146.238819 295.67293277322 159.55199016 455.22492293
46 18850.565887 298.13687387966 157.08804905 455.22492293
47 18552.429013 300.62134782866 154.60357511 455.22492293
48 18251.807665 303.12652572723 152.09839721 455.22492293
49 17948.681139 305.65258010829 149.57234283 455.22492293
50 17643.028559 308.19968494252 147.02523799 455.22492293
51 17334.828874 310.76801565038 144.45690728 455.22492293
52 17024.060858 313.35774911413 141.86717382 455.22492293
53 16710.703109 315.96906369008 139.25585924 455.22492293
54 16394.734046 318.60213922083 136.62278371 455.22492293
55 16076.131906 321.25715704767 133.96776589 455.22492293
56 15754.874749 323.93430002307 131.29062291 455.22492293
57 15430.940449 326.63375252326 128.59117041 455.22492293
58 15104.306697 329.35570046096 125.86922247 455.22492293
59 14774.950996 332.10033129813 123.12459164 455.22492293
60 14442.850665 334.86783405895 120.35708888 455.22492293
61 14107.982831 337.65839934277 117.56652359 455.22492293
62 13770.324432 340.4722193373 114.7527036 455.22492293
63 13429.852212 343.30948783177 111.9154351 455.22492293
64 13086.542724 346.17040023037 109.0545227 455.22492293
65 12740.372324 349.05515356563 106.16976937 455.22492293
66 12391.317171 351.96394651201 103.26097642 455.22492293
67 12039.353224 354.89697939961 100.32794353 455.22492293
68 11684.456245 357.85445422794 97.370468706 455.22492293
69 11326.601791 360.83657467984 94.388348254 455.22492293
70 10965.765216 363.8435461355 91.381376799 455.22492293
71 10601.92167 366.87557568663 88.349347248 455.22492293
72 10235.046094 369.93287215069 85.292050783 455.22492293
73 9865.1132219 373.01564608527 82.209276849 455.22492293
74 9492.0975758 376.12410980265 79.100813131 455.22492293
75 9115.973466 379.25847738434 75.96644555 455.22492293
76 8736.7149886 382.41896469588 72.805958238 455.22492293
77 8354.2960239 385.60578940168 69.619133532 455.22492293
78 7968.6902345 388.81917098002 66.405751954 455.22492293
79 7579.8710635 392.05933073819 63.165592196 455.22492293
80 7187.8117328 395.32649182767 59.898431106 455.22492293
81 6792.4852409 398.62087925957 56.604043675 455.22492293
82 6393.8643617 401.94271992007 53.282203014 455.22492293
83 5991.9216418 405.29224258607 49.932680348 455.22492293
84 5586.6293992 408.66967794095 46.555244993 455.22492293
85 5177.9597212 412.07525859046 43.149664344 455.22492293
86 4765.8844627 415.50921907871 39.715703855 455.22492293
87 4350.3752436 418.97179590437 36.25312703 455.22492293
88 3931.4034477 422.46322753691 32.761695397 455.22492293
89 3508.9402201 425.98375443305 29.241168501 455.22492293
90 3082.9564657 429.53361905332 25.691303881 455.22492293
91 2653.4228466 433.11306587877 22.111857055 455.22492293
92 2220.3097808 436.72234142776 18.502581506 455.22492293
93 1783.5874393 440.36169427299 14.863228661 455.22492293
94 1343.2257451 444.0313750586 11.193547876 455.22492293
95 899.19437001 447.73163651742 7.4932864167 455.22492293
96 451.46273349 451.4627334884 3.7621894457 455.22492293
13) Una empresa de confecciones pretende ampliar su capacidad de producción triplicándola dentro de 3 años, con fines
de exportación. Esta ampliación costará 180.000 $us. Abre una cuenta en el banco exclusivamente para hacer depósitos
mensuales y contar con el dinero indicado al final del año 3. Los depósitos mensuales del primer año deben ser la mitad
de los que se haga en el año 2 y en el año 3 se depositará el doble que el año 2 (Ejemplo: 50 $us/mes en el año 1, 100
$us/mes en el año 2 y 200 $us/mes en el año 3). Cuál será el valor de estos depósitos si la tasa de interés de los depósitos
es de 4% en caja de ahorro.

COSTO AMPLIACION TIEMPO TASA % X TOTAL DEPOSITO AÑO 1 205.551311

18000 36 0.33% 411.102622 18000 DEPOSITO AÑO 2 411.102622
DEPOSITO AÑO 3 822.205244
MES MES AL REVES F/P $/MENSUAL GENERADO
1 35 1.12352679 205.551311 230.942404
2 34 1.11979414 205.551311 230.175153
3 33 1.11607389 205.551311 229.410451
4 32 1.11236601 205.551311 228.648291
5 31 1.10867044 205.551311 227.888662
6 30 1.10498715 205.551311 227.131556
7 29 1.10131609 205.551311 226.376967
8 28 1.09765724 205.551311 225.624884
9 27 1.09401053 205.551311 224.875299
10 26 1.09037595 205.551311 224.128205
11 25 1.08675344 205.551311 223.383593
12 24 1.08314296 205.551311 222.641455
13 23 1.07954448 411.102622 443.803565
14 22 1.07595795 411.102622 442.329135
15 21 1.07238334 411.102622 440.859603
16 20 1.0688206 411.102622 439.394953
17 19 1.06526971 411.102622 437.935169
18 18 1.0617306 411.102622 436.480235
19 17 1.05820326 411.102622 435.030134
20 16 1.05468763 411.102622 433.584851
21 15 1.05118369 411.102622 432.14437
22 14 1.04769138 411.102622 430.708675
23 13 1.04421068 411.102622 429.277749
24 12 1.04074154 411.102622 427.851577
25 11 1.03728393 822.205244 852.860286
26 10 1.0338378 822.205244 850.026863
27 9 1.03040313 822.205244 847.202854
28 8 1.02697986 822.205244 844.388226
29 7 1.02356797 822.205244 841.58295
30 6 1.02016741 822.205244 838.786993
31 5 1.01677815 822.205244 836.000325
32 4 1.01340015 822.205244 833.222916
33 3 1.01003337 822.205244 830.454733
34 2 1.00667778 822.205244 827.695747
35 1 1.00333333 822.205244 824.945928
36 0 1 822.205244 822.205244
18000 TOTAL