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 Capitalizacion TRIMESTRAL TRIMESTRAL Capitalizacion SEMESTRAL 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 1.24195709 3255 4042.5703 1 9 1.2217148 9655 11795.657 1 4 1.1925186 19895 23725.158
2 28 1.23271175 3255 4012.4767 2 8 1.1948311 10240 12235.071 2 3 1.1411661 19075 21767.744
3 27 1.22353523 3145 3848.0183 3 7 1.168539 12280 14349.659 3 2 1.092025 8795 9604.3599
4 26 1.21442703 4500 5464.9216 4 6 1.1428254 6795 7765.4989 4 1 1.045 8705 9096.725
5 25 1.20538663 2925 3525.7559 5 5 1.1176777 3980 4448.3572 5 0 1 7260 7260
6 24 1.19641353 2815 3367.9041 6 4 1.0930833 4815 5263.1962 TOTAL 71453.986
7 23 1.18750723 7200 8550.052 7 3 1.0690301 4145 4431.1299
8 22 1.17866722 2595 3058.6414 8 2 1.0455063 4560 4767.5085
9 21 1.16989302 2485 2907.1842 9 1 1.0225 4260 4355.85
10 20 1.16118414 2375 2757.8123 10 0 1 3000 3000
11 19 1.15254009 2265 2610.5033 TOTAL 72411.927
12 18 1.14396039 2155 2465.2346
13 17 1.13544455 2045 2321.9841
14 16 1.12699211 1935 2180.7297
15 15 1.11860259 0 0
16 14 1.11027553 1715 1904.1225
17 13 1.10201045 1605 1768.7268
18 12 1.0938069 1495 1635.2413
19 11 1.08566441 1385 1503.6452
20 10 1.07758255 1380 1487.0639
21 9 1.06956084 1380 1475.994
22 8 1.06159885 1380 1465.0064
23 7 1.05369613 1380 1454.1007
24 6 1.04585224 1800 1882.534
25 5 1.03806673 1380 1432.5321
26 4 1.03033919 1380 1421.8681
27 3 1.02266917 1500 1534.0038
28 2 1.01505625 1500 1522.5844
29 1 1.0075 1500 1511.25
30 0 1 0 0
TOTAL 73112.462
2) Una pareja estuvo ahorrando en caja de ahorro al 3% con capitalización cada 120 días, durante 7 años de la siguiente maner a, 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 empr esarios. 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 tasa % 0.75%
pagar. tiempo 96 factor A/P 0.0146502
cuota fija 158.71054
saldo amortizacion interes cuota
1 20000 166.666667 300 466.66667 saldo cancelo 55 10833.333 saldo amortizacion interes cuota
2 19833.333 166.666667 297.5 464.16667 1 10833.333 77.4605355 81.25 158.71054
3 19666.667 166.666667 295 461.66667 2 10755.873 78.0414895 80.669046 158.71054
4 19500 166.666667 292.5 459.16667 3 10677.831 78.6268007 80.083735 158.71054
5 19333.333 166.666667 290 456.66667 4 10599.205 79.2165017 79.494034 158.71054
6 19166.667 166.666667 287.5 454.16667 5 10519.988 79.8106254 78.89991 158.71054
7 19000 166.666667 285 451.66667 6 10440.177 80.4092051 78.30133 158.71054
8 18833.333 166.666667 282.5 449.16667 7 10359.768 81.0122741 77.698261 158.71054
9 18666.667 166.666667 280 446.66667 8 10278.756 81.6198662 77.090669 158.71054
10 18500 166.666667 277.5 444.16667 9 10197.136 82.2320152 76.47852 158.71054
11 18333.333 166.666667 275 441.66667 10 10114.904 82.8487553 75.86178 158.71054
12 18166.667 166.666667 272.5 439.16667 11 10032.055 83.470121 75.240414 158.71054
13 18000 166.666667 270 436.66667 12 9948.5851 84.0961469 74.614389 158.71054
14 17833.333 166.666667 267.5 434.16667 13 9864.489 84.726868 73.983667 158.71054
15 17666.667 166.666667 265 431.66667 14 9779.7621 85.3623195 73.348216 158.71054
16 17500 166.666667 262.5 429.16667 15 9694.3998 86.0025369 72.707999 158.71054
17 17333.333 166.666667 260 426.66667 16 9608.3973 86.6475559 72.06298 158.71054
18 17166.667 166.666667 257.5 424.16667 17 9521.7497 87.2974126 71.413123 158.71054
19 17000 166.666667 255 421.66667 18 9434.4523 87.9521432 70.758392 158.71054
20 16833.333 166.666667 252.5 419.16667 19 9346.5002 88.6117843 70.098751 158.71054
21 16666.667 166.666667 250 416.66667 20 9257.8884 89.2763726 69.434163 158.71054
22 16500 166.666667 247.5 414.16667 21 9168.612 89.9459454 68.76459 158.71054
23 16333.333 166.666667 245 411.66667 22 9078.6661 90.62054 68.089995 158.71054
24 16166.667 166.666667 242.5 409.16667 23 8988.0455 91.3001941 67.410341 158.71054
25 16000 166.666667 240 406.66667 24 8896.7453 91.9849455 66.72559 158.71054
26 15833.333 166.666667 237.5 404.16667 25 8804.7604 92.6748326 66.035703 158.71054
27 15666.667 166.666667 235 401.66667 26 8712.0855 93.3698939 65.340642 158.71054
28 15500 166.666667 232.5 399.16667 27 8618.7157 94.0701681 64.640367 158.71054
29 15333.333 166.666667 230 396.66667 28 8524.6455 94.7756943 63.934841 158.71054
30 15166.667 166.666667 227.5 394.16667 29 8429.8698 95.486512 63.224023 158.71054
31 15000 166.666667 225 391.66667 30 8334.3833 96.2026609 62.507875 158.71054
32 14833.333 166.666667 222.5 389.16667 31 8238.1806 96.9241808 61.786355 158.71054
33 14666.667 166.666667 220 386.66667 32 8141.2564 97.6511122 61.059423 158.71054
34 14500 166.666667 217.5 384.16667 33 8043.6053 98.3834955 60.32704 158.71054
35 14333.333 166.666667 215 381.66667 34 7945.2218 99.1213718 59.589164 158.71054
36 14166.667 166.666667 212.5 379.16667 35 7846.1005 99.864782 58.845753 158.71054
37 14000 166.666667 210 376.66667 36 7746.2357 100.613768 58.096768 158.71054
38 13833.333 166.666667 207.5 374.16667 37 7645.6219 101.368371 57.342164 158.71054
39 13666.667 166.666667 205 371.66667 38 7544.2535 102.128634 56.581902 158.71054
40 13500 166.666667 202.5 369.16667 39 7442.1249 102.894599 55.815937 158.71054
41 13333.333 166.666667 200 366.66667 40 7339.2303 103.666308 55.044227 158.71054
42 13166.667 166.666667 197.5 364.16667 41 7235.564 104.443806 54.26673 158.71054
43 13000 166.666667 195 361.66667 42 7131.1202 105.227134 53.483401 158.71054
44 12833.333 166.666667 192.5 359.16667 43 7025.8931 106.016338 52.694198 158.71054
45 12666.667 166.666667 190 356.66667 44 6919.8767 106.81146 51.899075 158.71054
46 12500 166.666667 187.5 354.16667 45 6813.0653 107.612546 51.097989 158.71054
47 12333.333 166.666667 185 351.66667 46 6705.4527 108.41964 50.290895 158.71054
48 12166.667 166.666667 182.5 349.16667 47 6597.0331 109.232787 49.477748 158.71054
49 12000 166.666667 180 346.66667 48 6487.8003 110.052033 48.658502 158.71054
50 11833.333 166.666667 177.5 344.16667 49 6377.7483 110.877424 47.833112 158.71054
51 11666.667 166.666667 175 341.66667 50 6266.8708 111.709004 47.001531 158.71054
52 11500 166.666667 172.5 339.16667 51 6155.1618 112.546822 46.163714 158.71054
53 11333.333 166.666667 170 336.66667 52 6042.615 113.390923 45.319613 158.71054
54 11166.667 166.666667 167.5 334.16667 53 5929.2241 114.241355 44.469181 158.71054
55 11000 166.666667 165 331.66667 54 5814.9827 115.098165 43.61237 158.71054
56 10833.333 166.666667 162.5 329.16667 55 5699.8846 115.961401 42.749134 158.71054
56 5583.9232 116.831112 41.879424 158.71054
57 5467.092 117.707345 41.00319 158.71054
58 5349.3847 118.59015 40.120385 158.71054
59 5230.7945 119.479576 39.230959 158.71054
60 5111.315 120.375673 38.334862 158.71054
61 4990.9393 121.278491 37.432045 158.71054
62 4869.6608 122.188079 36.522456 158.71054
63 4747.4727 123.10449 35.606045 158.71054
64 4624.3682 124.027774 34.682762 158.71054
65 4500.3405 124.957982 33.752553 158.71054
66 4375.3825 125.895167 32.815369 158.71054
67 4249.4873 126.839381 31.871155 158.71054
68 4122.6479 127.790676 30.91986 158.71054
69 3994.8573 128.749106 29.961429 158.71054
70 3866.1082 129.714724 28.995811 158.71054
71 3736.3934 130.687585 28.022951 158.71054
72 3605.7058 131.667742 27.042794 158.71054
73 3474.0381 132.65525 26.055286 158.71054
74 3341.3829 133.650164 25.060371 158.71054
75 3207.7327 134.65254 24.057995 158.71054
76 3073.0802 135.662434 23.048101 158.71054
77 2937.4177 136.679903 22.030633 158.71054
78 2800.7378 137.705002 21.005534 158.71054
79 2663.0328 138.737789 19.972746 158.71054
80 2524.295 139.778323 18.932213 158.71054
81 2384.5167 140.82666 17.883875 158.71054
82 2243.69 141.88286 16.827675 158.71054
83 2101.8072 142.946982 15.763554 158.71054
84 1958.8602 144.019084 14.691451 158.71054
85 1814.8411 145.099227 13.611308 158.71054
86 1669.7419 146.187471 12.523064 158.71054
87 1523.5544 147.283877 11.426658 158.71054
88 1376.2705 148.388506 10.322029 158.71054
89 1227.882 149.50142 9.2091152 158.71054
90 1078.3806 150.622681 8.0878546 158.71054
91 927.75793 151.752351 6.9581845 158.71054
92 776.00558 152.890494 5.8200418 158.71054
93 623.11509 154.037172 4.6733631 158.71054
94 469.07791 155.192451 3.5180843 158.71054
95 313.88546 156.356395 2.354141 158.71054
96 157.52907 157.529067 1.181468 158.71054
 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 SEGUNDO AÑO 1000
siguiente año retirar 900 $us/mes, al finalizar los 6 años un último retiro de 10.000 $us, con esto la TERCER AÑO 1000
cuenta quedará en cero. Cuanto debe ganar mensualmente esta persona para destinar el 30% de CUARTO AÑO 1300
sus ingresos al ahorro mensual durante 10 años. La cooperativa paga el 3% en caja de ahorro. QUINTO AÑO 1300
SEXTO AÑO 900
RETIRO FINALIZANDO 6TO AÑO 10000
SUELDO 30% DESTINADO TIEMPO TASA % TOTAL DE DINERO EN CUENTA
18902.5767 5670.773021 120 0.0025 10000

MES MES AL REVES F/P DEPOSITOS GENERADO

1 191 1.61107896 5670.77302 9136.063118
2 190 1.60706131 5670.77302 9113.279918
3 189 1.60305368 5670.77302 9090.553534
4 188 1.59905604 5670.77302 9067.883825
5 187 1.59506836 5670.77302 9045.270648
6 186 1.59109064 5670.77302 9022.713863
7 185 1.58712283 5670.77302 9000.21333
8 184 1.58316492 5670.77302 8977.768908
9 183 1.57921688 5670.77302 8955.380457
10 182 1.57527868 5670.77302 8933.047837
11 181 1.5713503 5670.77302 8910.77091
12 180 1.56743172 5670.77302 8888.549536
13 179 1.56352292 5670.77302 8866.383577
14 178 1.55962386 5670.77302 8844.272895
15 177 1.55573452 5670.77302 8822.217351
16 176 1.55185488 5670.77302 8800.216809
17 175 1.54798492 5670.77302 8778.271132
18 174 1.54412461 5670.77302 8756.380181
19 173 1.54027393 5670.77302 8734.543822
20 172 1.53643284 5670.77302 8712.761917
21 171 1.53260134 5670.77302 8691.034331
22 170 1.52877939 5670.77302 8669.360929
23 169 1.52496697 5670.77302 8647.741575
24 168 1.52116406 5670.77302 8626.176134
25 167 1.51737064 5670.77302 8604.664473
26 166 1.51358667 5670.77302 8583.206457
27 165 1.50981214 5670.77302 8561.801952
28 164 1.50604702 5670.77302 8540.450825
29 163 1.50229129 5670.77302 8519.152943
30 162 1.49854493 5670.77302 8497.908172
31 161 1.49480791 5670.77302 8476.716381
32 160 1.49108021 5670.77302 8455.577438
33 159 1.48736181 5670.77302 8434.49121
34 158 1.48365268 5670.77302 8413.457566
35 157 1.47995279 5670.77302 8392.476375
36 156 1.47626214 5670.77302 8371.547506
37 155 1.47258069 5670.77302 8350.670829
38 154 1.46890842 5670.77302 8329.846213
39 153 1.4652453 5670.77302 8309.07353
40 152 1.46159132 5670.77302 8288.352648
41 151 1.45794646 5670.77302 8267.683439
42 150 1.45431068 5670.77302 8247.065775
43 149 1.45068397 5670.77302 8226.499526
44 148 1.44706631 5670.77302 8205.984565
45 147 1.44345766 5670.77302 8185.520763
46 146 1.43985802 5670.77302 8165.107993
47 145 1.43626735 5670.77302 8144.746128
48 144 1.43268563 5670.77302 8124.43504
49 143 1.42911285 5670.77302 8104.174603
50 142 1.42554898 5670.77302 8083.964692
51 141 1.42199399 5670.77302 8063.805179
52 140 1.41844787 5670.77302 8043.695939
53 139 1.4149106 5670.77302 8023.636847
54 138 1.41138214 5670.77302 8003.627777
55 137 1.40786249 5670.77302 7983.668606
56 136 1.40435161 5670.77302 7963.759208
57 135 1.40084948 5670.77302 7943.899459
58 134 1.39735609 5670.77302 7924.089236
59 133 1.39387142 5670.77302 7904.328415
60 132 1.39039543 5670.77302 7884.616873
61 131 1.38692811 5670.77302 7864.954487
62 130 1.38346943 5670.77302 7845.341134
63 129 1.38001938 5670.77302 7825.776692
64 128 1.37657794 5670.77302 7806.261039
65 127 1.37314508 5670.77302 7786.794054
66 126 1.36972077 5670.77302 7767.375615
67 125 1.36630501 5670.77302 7748.005601
68 124 1.36289777 5670.77302 7728.683892
69 123 1.35949902 5670.77302 7709.410366
70 122 1.35610875 5670.77302 7690.184903
71 121 1.35272693 5670.77302 7671.007385
72 120 1.34935355 5670.77302 7651.877691
73 119 1.34598858 5670.77302 7632.795701
74 118 1.342632 5670.77302 7613.761298
75 117 1.33928379 5670.77302 7594.774362
76 116 1.33594393 5670.77302 7575.834775
77 115 1.3326124 5670.77302 7556.942419
78 114 1.32928917 5670.77302 7538.097176
79 113 1.32597424 5670.77302 7519.298929
80 112 1.32266757 5670.77302 7500.54756
81 111 1.31936915 5670.77302 7481.842953
82 110 1.31607895 5670.77302 7463.18499
83 109 1.31279696 5670.77302 7444.573556
84 108 1.30952315 5670.77302 7426.008535
85 107 1.3062575 5670.77302 7407.489811
86 106 1.303 5670.77302 7389.017267
87 105 1.29975063 5670.77302 7370.59079
88 104 1.29650935 5670.77302 7352.210265
89 103 1.29327616 5670.77302 7333.875576
90 102 1.29005104 5670.77302 7315.586609
91 101 1.28683395 5670.77302 7297.343251
92 100 1.28362489 5670.77302 7279.145388
93 99 1.28042383 5670.77302 7260.992905
94 98 1.27723075 5670.77302 7242.885691
95 97 1.27404564 5670.77302 7224.823632
96 96 1.27086847 5670.77302 7206.806616
97 95 1.26769922 5670.77302 7188.834529
98 94 1.26453787 5670.77302 7170.907261
99 93 1.26138441 5670.77302 7153.024699
100 92 1.25823882 5670.77302 7135.186733
101 91 1.25510106 5670.77302 7117.393249
102 90 1.25197114 5670.77302 7099.644139
103 89 1.24884901 5670.77302 7081.939291
104 88 1.24573468 5670.77302 7064.278594
105 87 1.24262811 5670.77302 7046.661939
106 86 1.23952928 5670.77302 7029.089216
107 85 1.23643819 5670.77302 7011.560316
108 84 1.2333548 5670.77302 6994.075128
109 83 1.2302791 5670.77302 6976.633544
110 82 1.22721108 5670.77302 6959.235455
111 81 1.2241507 5670.77302 6941.880753
112 80 1.22109795 5670.77302 6924.56933
113 79 1.21805282 5670.77302 6907.301077
114 78 1.21501528 5670.77302 6890.075888
115 77 1.21198532 5670.77302 6872.893654
116 76 1.20896291 5670.77302 6855.754268
117 75 1.20594804 5670.77302 6838.657624
118 74 1.20294069 5670.77302 6821.603615
119 73 1.19994084 5670.77302 6804.592134
120 72 1.19694847 5670.77302 6787.623077
121 71 1.19396356 6910.211045 1
122 70 1.19098609 7038.979163 2
123 69 1.18801605 7174.404192 3
124 68 1.18505342 7316.998802 4
125 67 1.18209817 7467.312751 5
126 66 1.1791503 7625.933761 6
127 65 1.17620977 7793.488052 7
128 64 1.17327658 7970.640446 8
129 63 1.17035071 8158.093966 9
130 62 1.16743213 8356.588854 10
131 61 1.16452082 8566.90091 11
132 60 1.16161678 8789.839082 12
133 59 1.15871998 9026.242198 13
134 58 1.15583041 9276.974775 14
135 57 1.15294804 9542.921806 15
136 56 1.15007285 9824.982458 16
137 55 1.14720484 10124.0626 17
138 54 1.14434398 10441.06612 18
139 53 1.14149026 10776.88498 19
140 52 1.13864365 11132.38797 20
141 51 1.13580414 11508.40816 21
142 50 1.13297171 11905.72913 22
143 49 1.13014634 12325.06988 23
144 48 1.12732802 12767.06861 24
145 47 1.12451673 13232.26551 25
146 46 1.12171245 13721.08449 26
147 45 1.11891516 14233.81429 27
148 44 1.11612485 14770.58896 28
149 43 1.11334149 15331.36809 29
150 42 1.11056508 15915.91697 30
151 41 1.10779559 16523.78709 31
152 40 1.10503301 17154.29717 32
153 39 1.10227732 17806.51534 33
154 38 1.0995285 18479.24253 34
155 37 1.09678653 19170.99775 35
156 36 1.0940514 19880.00554 36
157 35 1.09132309 20276.78911 1
158 34 1.08860159 20658.16279 2
159 33 1.08588687 21020.77483 3
160 32 1.08317892 21361.12767 4
161 31 1.08047773 21675.6017 5
162 30 1.07778327 21960.48267 6
163 29 1.07509553 22211.99263 7
164 28 1.0724145 22426.32406 8
165 27 1.06974015 22599.67699 9
166 26 1.06707247 22728.29884 10
167 25 1.06441144 22808.52636 11
168 24 1.06175704 22836.82938 12
169 23 1.05910927 22809.85566 13
170 22 1.0564681 22724.47636 14
171 21 1.05383352 22577.83127 15
172 20 1.0512055 22367.37333 16
173 19 1.04858404 22090.91151 17
174 18 1.04596912 21746.65142 18
175 17 1.04336072 21333.23292 19
176 16 1.04075882 20849.76389 20
177 15 1.03816341 20295.8496 21
178 14 1.03557448 19671.61701 22
179 13 1.032992 18977.73334 23
180 12 1.03041596 18215.41852 24
181 11 1.02784634 17797.58957 1
182 10 1.02528313 17324.81357 2
183 9 1.02272632 16798.0891 3
184 8 1.02017588 16218.847 4
185 7 1.0176318 15588.94582 5
186 6 1.01509406 14910.6617 6
187 5 1.01256266 14186.67283 7
188 4 1.01003756 13420.03864 8
189 3 1.00751877 12614.17387 9
190 2 1.00500625 11772.81796 10
191 1 1.0025 10900 11
192 0 1 10000 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 120.690292

MES MES AL REVES F/P $/TRIMESTRAL GENERADO

1 7 1.072135352 362.0708761 388.1889863
2 6 1.061520151 362.0708761 384.345531
3 5 1.05101005 362.0708761 380.5401297
4 4 1.04060401 362.0708761 376.7724056
5 3 1.030301 362.0708761 373.0419857
6 2 1.0201 362.0708761 369.3485007
7 1 1.01 362.0708761 365.6915849
8 0 1 362.0708761 362.0708761
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 PAGO MANTENIMIENTO 3101.196 COBRO DE ALQUILER POR DEPA
pagar la deuda, 20% ahorro impuestos y otros 10% para mantenimiento). PAGO IMPUESTOS 6202.391 344.5773047
PAGO DEUDA 21708.37
PRESTAMO TIEMPO TASA % A/P CUOTA
2800000 240 0.58% 0.007753 21708.37 70% 24809.57 80%
24809.57 80% 31011.96 100%
SALDO AMORTIZACION TASA % CUOTA
1 2800000 5375.036864 16333.33 21708.37
2 2794625 5406.391246 16301.98 21708.37
3 2789219 5437.928528 16270.44 21708.37
4 2783781 5469.649778 16238.72 21708.37
5 2778311 5501.556068 16206.81 21708.37
6 2772809 5533.648478 16174.72 21708.37
7 2767276 5565.928095 16142.44 21708.37
8 2761710 5598.396008 16109.97 21708.37
9 2756111 5631.053319 16077.32 21708.37
10 2750480 5663.90113 16044.47 21708.37
11 2744817 5696.940553 16011.43 21708.37
12 2739120 5730.172706 15978.2 21708.37
13 2733389 5763.598713 15944.77 21708.37
14 2727626 5797.219706 15911.15 21708.37
15 2721829 5831.036821 15877.33 21708.37
16 2715998 5865.051202 15843.32 21708.37
17 2710132 5899.264001 15809.11 21708.37
18 2704233 5933.676374 15774.69 21708.37
19 2698300 5968.289487 15740.08 21708.37
20 2692331 6003.104509 15705.27 21708.37
21 2686328 6038.122618 15670.25 21708.37
22 2680290 6073.345 15635.03 21708.37
23 2674217 6108.772846 15599.6 21708.37
24 2668108 6144.407354 15563.96 21708.37
25 2661964 6180.249731 15528.12 21708.37
26 2655783 6216.301187 15492.07 21708.37
27 2649567 6252.562944 15455.81 21708.37
28 2643314 6289.036228 15419.33 21708.37
29 2637025 6325.722273 15382.65 21708.37
30 2630700 6362.622319 15345.75 21708.37
31 2624337 6399.737616 15308.63 21708.37
32 2617937 6437.069419 15271.3 21708.37
33 2611500 6474.618991 15233.75 21708.37
34 2605026 6512.387601 15195.98 21708.37
35 2598513 6550.376529 15157.99 21708.37
36 2591963 6588.587059 15119.78 21708.37
37 2585374 6627.020483 15081.35 21708.37
38 2578747 6665.678103 15042.69 21708.37
39 2572082 6704.561225 15003.81 21708.37
40 2565377 6743.671165 14964.7 21708.37
41 2558633 6783.009247 14925.36 21708.37
42 2551850 6822.576801 14885.79 21708.37
43 2545028 6862.375166 14846 21708.37
44 2538165 6902.405688 14805.96 21708.37
45 2531263 6942.669721 14765.7 21708.37
46 2524320 6983.168628 14725.2 21708.37
47 2517337 7023.903778 14684.47 21708.37
48 2510313 7064.87655 14643.49 21708.37
49 2503248 7106.08833 14602.28 21708.37
50 2496142 7147.540512 14560.83 21708.37
51 2488995 7189.234498 14519.14 21708.37
52 2481805 7231.171699 14477.2 21708.37
53 2474574 7273.353534 14435.02 21708.37
54 2467301 7315.78143 14392.59 21708.37
55 2459985 7358.456822 14349.91 21708.37
56 2452627 7401.381153 14306.99 21708.37
57 2445225 7444.555876 14263.81 21708.37
58 2437781 7487.982452 14220.39 21708.37
59 2430293 7531.66235 14176.71 21708.37
60 2422761 7575.597047 14132.77 21708.37
61 2415186 7619.78803 14088.58 21708.37
62 2407566 7664.236793 14044.13 21708.37
63 2399901 7708.944841 13999.43 21708.37
64 2392193 7753.913686 13954.46 21708.37
65 2384439 7799.144849 13909.23 21708.37
66 2376639 7844.639861 13863.73 21708.37
67 2368795 7890.40026 13817.97 21708.37
68 2360904 7936.427595 13771.94 21708.37
69 2352968 7982.723423 13725.65 21708.37
70 2344985 8029.289309 13679.08 21708.37
71 2336956 8076.12683 13632.24 21708.37
72 2328880 8123.23757 13585.13 21708.37
73 2320757 8170.623123 13537.75 21708.37
74 2312586 8218.285091 13490.09 21708.37
75 2304368 8266.225087 13442.15 21708.37
76 2296102 8314.444733 13393.93 21708.37
77 2287787 8362.945661 13345.42 21708.37
78 2279424 8411.729511 13296.64 21708.37
79 2271012 8460.797933 13247.57 21708.37
80 2262552 8510.152588 13198.22 21708.37
81 2254041 8559.795144 13148.58 21708.37
82 2245482 8609.727283 13098.64 21708.37
83 2236872 8659.950692 13048.42 21708.37
84 2228212 8710.467071 12997.9 21708.37
85 2219501 8761.278129 12947.09 21708.37
86 2210740 8812.385584 12895.98 21708.37
87 2201928 8863.791167 12844.58 21708.37
88 2193064 8915.496616 12792.87 21708.37
89 2184149 8967.503679 12740.87 21708.37
90 2175181 9019.814117 12688.56 21708.37
91 2166161 9072.4297 12635.94 21708.37
92 2157089 9125.352206 12583.02 21708.37
93 2147963 9178.583427 12529.79 21708.37
94 2138785 9232.125164 12476.25 21708.37
95 2129553 9285.979227 12422.39 21708.37
96 2120267 9340.14744 12368.22 21708.37
97 2110927 9394.631633 12313.74 21708.37
98 2101532 9449.433651 12258.94 21708.37
99 2092083 9504.555347 12203.81 21708.37
100 2082578 9559.998587 12148.37 21708.37
101 2073018 9615.765245 12092.6 21708.37
102 2063402 9671.857209 12036.51 21708.37
103 2053730 9728.276376 11980.09 21708.37
104 2044002 9785.024655 11923.35 21708.37
105 2034217 9842.103965 11866.27 21708.37
106 2024375 9899.516239 11808.85 21708.37
107 2014475 9957.263417 11751.11 21708.37
108 2004518 10015.34745 11693.02 21708.37
109 1994503 10073.77031 11634.6 21708.37
110 1984429 10132.53397 11575.84 21708.37
111 1974297 10191.64042 11516.73 21708.37
112 1964105 10251.09166 11457.28 21708.37
113 1953854 10310.88969 11397.48 21708.37
114 1943543 10371.03655 11337.33 21708.37
115 1933172 10431.53426 11276.84 21708.37
116 1922740 10492.38488 11215.99 21708.37
117 1912248 10553.59046 11154.78 21708.37
118 1901694 10615.15307 11093.22 21708.37
119 1891079 10677.07479 11031.3 21708.37
120 1880402 10739.35773 10969.01 21708.37
121 1869663 10802.00398 10906.37 21708.37
122 1858861 10865.01567 10843.35 21708.37
123 1847996 10928.39493 10779.98 21708.37
124 1837067 10992.1439 10716.23 21708.37
125 1826075 11056.26474 10652.11 21708.37
126 1815019 11120.75962 10587.61 21708.37
127 1803898 11185.63072 10522.74 21708.37
128 1792713 11250.88023 10457.49 21708.37
129 1781462 11316.51036 10391.86 21708.37
130 1770145 11382.52334 10325.85 21708.37
131 1758763 11448.92139 10259.45 21708.37
132 1747314 11515.70677 10192.66 21708.37
133 1735798 11582.88173 10125.49 21708.37
134 1724215 11650.44854 10057.92 21708.37
135 1712565 11718.40949 9989.961 21708.37
136 1700846 11786.76687 9921.603 21708.37
137 1689060 11855.52301 9852.847 21708.37
138 1677204 11924.68023 9783.69 21708.37
139 1665279 11994.24087 9714.129 21708.37
140 1653285 12064.20727 9644.163 21708.37
141 1641221 12134.58181 9573.788 21708.37
142 1629086 12205.36687 9503.003 21708.37
143 1616881 12276.56485 9431.805 21708.37
144 1604604 12348.17814 9360.192 21708.37
145 1592256 12420.20918 9288.161 21708.37
146 1579836 12492.6604 9215.71 21708.37
147 1567343 12565.53425 9142.836 21708.37
148 1554778 12638.8332 9069.537 21708.37
149 1542139 12712.55973 8995.81 21708.37
150 1529426 12786.71633 8921.654 21708.37
151 1516640 12861.30551 8847.065 21708.37
152 1503778 12936.32979 8772.04 21708.37
153 1490842 13011.79171 8696.578 21708.37
154 1477830 13087.69383 8620.676 21708.37
155 1464743 13164.03871 8544.331 21708.37
156 1451579 13240.82894 8467.541 21708.37
157 1438338 13318.06711 8390.303 21708.37
158 1425020 13395.75583 8312.614 21708.37
159 1411624 13473.89774 8234.472 21708.37
160 1398150 13552.49548 8155.875 21708.37
161 1384597 13631.5517 8076.818 21708.37
162 1370966 13711.06909 7997.301 21708.37
163 1357255 13791.05032 7917.32 21708.37
164 1343464 13871.49812 7836.872 21708.37
165 1329592 13952.41519 7755.955 21708.37
166 1315640 14033.80428 7674.566 21708.37
167 1301606 14115.66814 7592.702 21708.37
168 1287490 14198.00953 7510.361 21708.37
169 1273292 14280.83126 7427.539 21708.37
170 1259012 14364.1361 7344.234 21708.37
171 1244647 14447.9269 7260.443 21708.37
172 1230199 14532.20647 7176.164 21708.37
173 1215667 14616.97768 7091.393 21708.37
174 1201050 14702.24338 7006.127 21708.37
175 1186348 14788.00647 6920.364 21708.37
176 1171560 14874.26984 6834.1 21708.37
177 1156686 14961.03641 6747.334 21708.37
178 1141725 15048.30912 6660.061 21708.37
179 1126676 15136.09093 6572.279 21708.37
180 1111540 15224.38479 6483.985 21708.37
181 1096316 15313.1937 6395.176 21708.37
182 1081003 15402.52067 6305.85 21708.37
183 1065600 15492.3687 6216.001 21708.37
184 1050108 15582.74085 6125.629 21708.37
185 1034525 15673.64017 6034.73 21708.37
186 1018852 15765.06974 5943.3 21708.37
187 1003086 15857.03265 5851.338 21708.37
188 987229.4 15949.53201 5758.838 21708.37
189 971279.9 16042.57094 5665.799 21708.37
190 955237.3 16136.15261 5572.218 21708.37
191 939101.1 16230.28016 5478.09 21708.37
192 922870.9 16324.9568 5383.413 21708.37
193 906545.9 16420.18571 5288.184 21708.37
194 890125.7 16515.97013 5192.4 21708.37
195 873609.8 16612.31329 5096.057 21708.37
196 856997.4 16709.21845 4999.152 21708.37
197 840288.2 16806.68889 4901.681 21708.37
198 823481.5 16904.72791 4803.642 21708.37
199 806576.8 17003.33882 4705.031 21708.37
200 789573.5 17102.52496 4605.845 21708.37
201 772470.9 17202.28969 4506.081 21708.37
202 755268.7 17302.63638 4405.734 21708.37
203 737966 17403.56843 4304.802 21708.37
204 720562.4 17505.08925 4203.281 21708.37
205 703057.4 17607.20227 4101.168 21708.37
206 685450.2 17709.91095 3998.459 21708.37
207 667740.2 17813.21876 3895.151 21708.37
208 649927 17917.1292 3791.241 21708.37
209 632009.9 18021.64579 3686.724 21708.37
210 613988.3 18126.77206 3581.598 21708.37
211 595861.5 18232.51156 3475.859 21708.37
212 577629 18338.86788 3369.502 21708.37
213 559290.1 18445.84461 3262.526 21708.37
214 540844.3 18553.44537 3154.925 21708.37
215 522290.8 18661.6738 3046.696 21708.37
216 503629.1 18770.53356 2937.837 21708.37
217 484858.6 18880.02834 2828.342 21708.37
218 465978.6 18990.16184 2718.208 21708.37
219 446988.4 19100.93778 2607.432 21708.37
220 427887.5 19212.35992 2496.01 21708.37
221 408675.1 19324.43202 2383.938 21708.37
222 389350.7 19437.15787 2271.212 21708.37
223 369913.5 19550.54129 2157.829 21708.37
224 350363 19664.58612 2043.784 21708.37
225 330698.4 19779.2962 1929.074 21708.37
226 310919.1 19894.67543 1813.695 21708.37
227 291024.4 20010.72771 1697.642 21708.37
228 271013.7 20127.45695 1580.913 21708.37
229 250886.2 20244.86712 1463.503 21708.37
230 230641.4 20362.96217 1345.408 21708.37
231 210278.4 20481.74612 1226.624 21708.37
232 189796.7 20601.22297 1107.147 21708.37
233 169195.4 20721.39677 986.9734 21708.37
234 148474 20842.27159 866.0986 21708.37
235 127631.8 20963.85151 744.5187 21708.37
236 106667.9 21086.14064 622.2296 21708.37
237 85581.78 21209.14313 499.2271 21708.37
238 64372.64 21332.86313 375.5071 21708.37
239 43039.78 21457.30483 251.0654 21708.37
240 21582.47 21582.47244 125.8978 21708.37
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 5462.6991
30000 0.83% 96 ########### 455.22492

SALDO AMORTIZACION INTERES CUOTA

1 30000 205.2249229 250 455.224923
2 29794.7751 206.9351306 248.289792 455.224923
3 29587.8399 208.65959 246.565333 455.224923
4 29379.1804 210.39842 244.826503 455.224923
5 29168.7819 212.1517401 243.073183 455.224923
6 28956.6302 213.9196713 241.305252 455.224923
7 28742.7105 215.7023352 239.522588 455.224923
8 28527.0082 217.4998547 237.725068 455.224923
9 28309.5083 219.3123535 235.912569 455.224923
10 28090.196 221.1399564 234.084967 455.224923
11 27869.056 222.9827894 232.242134 455.224923
12 27646.0732 224.8409793 230.383944 455.224923
13 27421.2323 226.7146541 228.510269 455.224923
14 27194.5176 228.6039429 226.62098 455.224923
15 26965.9137 230.5089758 224.715947 455.224923
16 26735.4047 232.4298839 222.795039 455.224923
17 26502.9748 234.3667996 220.858123 455.224923
18 26268.608 236.3198563 218.905067 455.224923
19 26032.2881 238.2891884 216.935735 455.224923
20 25793.999 240.2749316 214.949991 455.224923
21 25553.724 242.2772227 212.9477 455.224923
22 25311.4468 244.2961996 210.928723 455.224923
23 25067.1506 246.3320013 208.892922 455.224923
24 24820.8186 248.3847679 206.840155 455.224923
25 24572.4338 250.454641 204.770282 455.224923
26 24321.9792 252.541763 202.68316 455.224923
27 24069.4374 254.6462777 200.578645 455.224923
28 23814.7912 256.76833 198.456593 455.224923
29 23558.0228 258.9080661 196.316857 455.224923
30 23299.1148 261.0656333 194.15929 455.224923
31 23038.0491 263.2411803 191.983743 455.224923
32 22774.8079 265.4348568 189.790066 455.224923
33 22509.3731 267.6468139 187.578109 455.224923
34 22241.7263 269.877204 185.347719 455.224923
35 21971.8491 272.1261807 183.098742 455.224923
36 21699.7229 274.3938989 180.831024 455.224923
37 21425.329 276.6805147 178.544408 455.224923
38 21148.6485 278.9861857 176.238737 455.224923
39 20869.6623 281.3110705 173.913852 455.224923
40 20588.3512 283.6553295 171.569593 455.224923
41 20304.6959 286.0191239 169.205799 455.224923
42 20018.6768 288.4026166 166.822306 455.224923
43 19730.2741 290.8059717 164.418951 455.224923
44 19439.4682 293.2293548 161.995568 455.224923
45 19146.2388 295.6729328 159.55199 455.224923
46 18850.5659 298.1368739 157.088049 455.224923
47 18552.429 300.6213478 154.603575 455.224923
48 18251.8077 303.1265257 152.098397 455.224923
49 17948.6811 305.6525801 149.572343 455.224923
50 17643.0286 308.1996849 147.025238 455.224923
51 17334.8289 310.7680157 144.456907 455.224923
52 17024.0609 313.3577491 141.867174 455.224923
53 16710.7031 315.9690637 139.255859 455.224923
54 16394.734 318.6021392 136.622784 455.224923
55 16076.1319 321.257157 133.967766 455.224923
56 15754.8747 323.9343 131.290623 455.224923
57 15430.9404 326.6337525 128.59117 455.224923
58 15104.3067 329.3557005 125.869222 455.224923
59 14774.951 332.1003313 123.124592 455.224923
60 14442.8507 334.8678341 120.357089 455.224923
61 14107.9828 337.6583993 117.566524 455.224923
62 13770.3244 340.4722193 114.752704 455.224923
63 13429.8522 343.3094878 111.915435 455.224923
64 13086.5427 346.1704002 109.054523 455.224923
65 12740.3723 349.0551536 106.169769 455.224923
66 12391.3172 351.9639465 103.260976 455.224923
67 12039.3532 354.8969794 100.327944 455.224923
68 11684.4562 357.8544542 97.3704687 455.224923
69 11326.6018 360.8365747 94.3883483 455.224923
70 10965.7652 363.8435461 91.3813768 455.224923
71 10601.9217 366.8755757 88.3493472 455.224923
72 10235.0461 369.9328722 85.2920508 455.224923
73 9865.11322 373.0156461 82.2092768 455.224923
74 9492.09758 376.1241098 79.1008131 455.224923
75 9115.97347 379.2584774 75.9664455 455.224923
76 8736.71499 382.4189647 72.8059582 455.224923
77 8354.29602 385.6057894 69.6191335 455.224923
78 7968.69023 388.819171 66.405752 455.224923
79 7579.87106 392.0593307 63.1655922 455.224923
80 7187.81173 395.3264918 59.8984311 455.224923
81 6792.48524 398.6208793 56.6040437 455.224923
82 6393.86436 401.9427199 53.282203 455.224923
83 5991.92164 405.2922426 49.9326803 455.224923
84 5586.6294 408.6696779 46.555245 455.224923
85 5177.95972 412.0752586 43.1496643 455.224923
86 4765.88446 415.5092191 39.7157039 455.224923
87 4350.37524 418.9717959 36.253127 455.224923
88 3931.40345 422.4632275 32.7616954 455.224923
89 3508.94022 425.9837544 29.2411685 455.224923
90 3082.95647 429.5336191 25.6913039 455.224923
91 2653.42285 433.1130659 22.1118571 455.224923
92 2220.30978 436.7223414 18.5025815 455.224923
93 1783.58744 440.3616943 14.8632287 455.224923
94 1343.22575 444.0313751 11.1935479 455.224923
95 899.19437 447.7316365 7.49328642 455.224923
96 451.462733 451.4627335 3.76218945 455.224923
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