ACONSEJAR

Juan, con el dinero que se ganó en el premio gordo del pasado mes A JUAN
de diciembre, que ascendía a la suma de $50 millones piensa realiz
opciones:

1 opción: bajo la suposición que Juan negoció y le prestó a Ricardo de la siguiente manera:

- Pago a cuotas – Rentas.

- Periodo de 120 meses, capital amortizable.
- Tasa de interés de 8% efectivo anual.
- Interés compuesto.
a. Hallar el valor de la cuota mensual que Ricardo le pagará a Juan realizando tabla de amortización.

b. Halle el VF que recibirá Juan de Ricardo al cabo de los 120 meses.

Prestamo para Ricardo $ 50,000,000 Tasa efectiva mensual

Tasa 8% efectivo anual Pago
Plazo 120 meses
Tipo 0

a. Hallar el valor de la cuota mensual que Ricardo le pagará a Juan realizando tabla de amortización.
Periodo Capital Intereses Cuota
0
1 277,586.13 321,701.51 $ 599,288
2 279,372.13 319,915.51 $ 599,288
3 281,169.62 318,118.02 $ 599,288
4 282,978.67 316,308.97 $ 599,288
5 284,799.36 314,488.27 $ 599,288
6 286,631.77 312,655.86 $ 599,288
7 288,475.97 310,811.67 $ 599,288
8 290,332.03 308,955.60 $ 599,288
9 292,200.04 307,087.60 $ 599,288
10 294,080.06 305,207.58 $ 599,288
11 295,972.18 303,315.46 $ 599,288
12 297,876.47 301,411.16 $ 599,288
13 299,793.02 299,494.62 $ 599,288
14 301,721.90 297,565.74 $ 599,288
15 303,663.19 295,624.45 $ 599,288
16 305,616.96 293,670.67 $ 599,288
17 307,583.31 291,704.32 $ 599,288
18 309,562.31 289,725.32 $ 599,288
19 311,554.05 287,733.59 $ 599,288
20 313,558.59 285,729.04 $ 599,288
21 315,576.04 283,711.60 $ 599,288
22 317,606.47 281,681.17 $ 599,288
23 319,649.96 279,637.68 $ 599,288
24 321,706.59 277,581.04 $ 599,288
25 323,776.46 275,511.17 $ 599,288
26 325,859.65 273,427.99 $ 599,288
27 327,956.24 271,331.40 $ 599,288
28 330,066.32 269,221.31 $ 599,288
29 332,189.98 267,097.66 $ 599,288
30 334,327.30 264,960.34 $ 599,288
31 336,478.37 262,809.27 $ 599,288
32 338,643.28 260,644.35 $ 599,288
33 340,822.12 258,465.51 $ 599,288
34 343,014.98 256,272.65 $ 599,288
35 345,221.95 254,065.68 $ 599,288
36 347,443.12 251,844.52 $ 599,288
37 349,678.58 249,609.06 $ 599,288
38 351,928.42 247,359.21 $ 599,288
39 354,192.74 245,094.90 $ 599,288
40 356,471.63 242,816.01 $ 599,288
41 358,765.18 240,522.46 $ 599,288
42 361,073.48 238,214.15 $ 599,288
43 363,396.64 235,891.00 $ 599,288
44 365,734.74 233,552.89 $ 599,288
45 368,087.89 231,199.74 $ 599,288
46 370,456.18 228,831.45 $ 599,288
47 372,839.71 226,447.93 $ 599,288
48 375,238.57 224,049.07 $ 599,288
49 377,652.87 221,634.77 $ 599,288
50 380,082.70 219,204.94 $ 599,288
51 382,528.16 216,759.48 $ 599,288
52 384,989.36 214,298.28 $ 599,288
53 387,466.39 211,821.25 $ 599,288
54 389,959.36 209,328.28 $ 599,288
55 392,468.37 206,819.27 $ 599,288
56 394,993.52 204,294.11 $ 599,288
57 397,534.92 201,752.71 $ 599,288
58 400,092.68 199,194.96 $ 599,288
59 402,666.88 196,620.75 $ 599,288
60 405,257.66 194,029.98 $ 599,288
61 407,865.10 191,422.54 $ 599,288
62 410,489.31 188,798.32 $ 599,288
63 413,130.41 186,157.22 $ 599,288
64 415,788.51 183,499.13 $ 599,288
65 418,463.70 180,823.93 $ 599,288
66 421,156.11 178,131.53 $ 599,288
67 423,865.84 175,421.80 $ 599,288
68 426,593.01 172,694.63 $ 599,288
69 429,337.72 169,949.92 $ 599,288
70 432,100.09 167,187.55 $ 599,288
71 434,880.24 164,407.40 $ 599,288
72 437,678.27 161,609.37 $ 599,288
73 440,494.30 158,793.33 $ 599,288
74 443,328.46 155,959.18 $ 599,288
75 446,180.85 153,106.79 $ 599,288
76 449,051.59 150,236.05 $ 599,288
77 451,940.80 147,346.84 $ 599,288
78 454,848.60 144,439.04 $ 599,288
79 457,775.11 141,512.53 $ 599,288
80 460,720.45 138,567.19 $ 599,288
81 463,684.74 135,602.90 $ 599,288
82 466,668.10 132,619.54 $ 599,288
83 469,670.65 129,616.98 $ 599,288
84 472,692.53 126,595.11 $ 599,288
85 475,733.85 123,553.79 $ 599,288
86 478,794.73 120,492.90 $ 599,288
87 481,875.31 117,412.32 $ 599,288
88 484,975.71 114,311.92 $ 599,288
89 488,096.06 111,191.57 $ 599,288
90 491,236.49 108,051.15 $ 599,288
91 494,397.12 104,890.52 $ 599,288
92 497,578.08 101,709.55 $ 599,288
93 500,779.51 98,508.12 $ 599,288
94 504,001.55 95,286.09 $ 599,288
95 507,244.31 92,043.33 $ 599,288
96 510,507.93 88,779.70 $ 599,288
97 513,792.55 85,495.08 $ 599,288
98 517,098.31 82,189.32 $ 599,288
99 520,425.34 78,862.30 $ 599,288
100 523,773.77 75,513.87 $ 599,288
101 527,143.75 72,143.89 $ 599,288
102 530,535.40 68,752.23 $ 599,288
103 533,948.89 65,338.75 $ 599,288
104 537,384.33 61,903.31 $ 599,288
105 540,841.88 58,445.76 $ 599,288
106 544,321.67 54,965.97 $ 599,288
107 547,823.85 51,463.79 $ 599,288
108 551,348.57 47,939.07 $ 599,288
109 554,895.96 44,391.68 $ 599,288
110 558,466.18 40,821.46 $ 599,288
111 562,059.36 37,228.27 $ 599,288
112 565,675.67 33,611.96 $ 599,288
113 569,315.25 29,972.39 $ 599,288
114 572,978.24 26,309.40 $ 599,288
115 576,664.80 22,622.84 $ 599,288
116 580,375.08 18,912.56 $ 599,288
117 584,109.23 15,178.41 $ 599,288
118 587,867.40 11,420.23 $ 599,288
119 591,649.76 7,637.88 $ 599,288
120 595,456.45 3,831.18 $ 599,288

Rta: la cuota mensual que Ricardo le pagará a Juan por 120 meses será de $599.288
a suma de $50 millones piensa realizar las siguientes

e la siguiente manera:

ando tabla de amortización.

120 meses.

0.64%
$ 599,288

ando tabla de amortización. b. Halle el VF que recibirá Juan de Ricardo al cabo de los 120
Saldo
50,000,000.00 VF 71,914,516.32
49,722,413.87 Intereses pagados 21,914,516.32
49,443,041.74 Va 50,000,000.00
49,161,872.12
48,878,893.45
48,594,094.09 Rta: el VF que recibirá Juan de Ricardo al cabo de los 120 meses será de
48,307,462.32
48,018,986.35
47,728,654.32
47,436,454.28
47,142,374.22
46,846,402.04
46,548,525.57
46,248,732.54
45,947,010.65
45,643,347.46
45,337,730.50
45,030,147.18
44,720,584.87
44,409,030.82
44,095,472.23
43,779,896.19
43,462,289.72
43,142,639.77
42,820,933.18
42,497,156.71
42,171,297.06
41,843,340.82
41,513,274.50
41,181,084.52
40,846,757.22
40,510,278.85
40,171,635.57
39,830,813.45
39,487,798.47
39,142,576.51
38,795,133.39
38,445,454.82
38,093,526.39
37,739,333.65
37,382,862.03
37,024,096.85
36,663,023.37
36,299,626.73
35,933,891.98
35,565,804.09
35,195,347.91
34,822,508.20
34,447,269.63
34,069,616.77
33,689,534.07
33,307,005.91
32,922,016.55
32,534,550.16
32,144,590.80
31,752,122.43
31,357,128.91
30,959,593.98
30,559,501.31
30,156,834.42
29,751,576.77
29,343,711.67
28,933,222.36
28,520,091.95
28,104,303.44
27,685,839.74
27,264,683.63
26,840,817.79
26,414,224.79
25,984,887.07
25,552,786.98
25,117,906.74
24,680,228.47
24,239,734.17
23,796,405.71
23,350,224.87
22,901,173.28
22,449,232.49
21,994,383.89
21,536,608.78
21,075,888.33
20,612,203.60
20,145,535.50
19,675,864.85
 19,203,172.32
18,727,438.47
18,248,643.74
17,766,768.42
17,281,792.71
16,793,696.65
16,302,460.16
15,808,063.05
15,310,484.96
14,809,705.45
14,305,703.90
13,798,459.60
13,287,951.67
12,774,159.11
12,257,060.80
11,736,635.46
11,212,861.69
10,685,717.95
10,155,182.54
9,621,233.66
9,083,849.33
8,543,007.45
7,998,685.78
7,450,861.93
6,899,513.37
6,344,617.41
5,786,151.23
5,224,091.87
4,658,416.19
4,089,100.95
3,516,122.71
2,939,457.91
2,359,082.84
1,774,973.61
1,187,106.21
595,456.45
0.00

s será de $599.288
á Juan de Ricardo al cabo de los 120 meses.

ardo al cabo de los 120 meses será de $71.914.516,32

 2 opción: Juan, con las rentas que Ricardo le pagará cada mes, pretende realizar un ahorro durante 60 meses en el banco Rentístico,

- Elabore la tabla de capitalización que le generara el ahorro con el banco Rentístic

- Con el valor ahorrado en el banco Rentístico al cabo de los 60 meses, Juan pretende depositarlo en el banco Supersolidario, otros 60
que recibir Juan del banco Supersolidario.
Banco rentistico
Plazo 60 meses
Tasa 5% Nominal semestral 5.06% efectiva anual 0.4124%
Tipo 0

Tabla de capitalización con tasa del banco rentistico

Periodo Capital interes cuota Saldo
0 $0
1 $ 599,288 $ 2,471.41 $ 599,288 $ 599,288
2 $ 599,288 $ 2,471.41 $ 599,288 $ 1,201,047
3 $ 1,201,047 $ 4,953.01 $ 599,288 $ 1,805,287
4 $ 1,805,287 $ 7,444.85 $ 599,288 $ 2,412,020
5 $ 2,412,020 $ 9,946.97 $ 599,288 $ 3,021,254
6 $ 3,021,254 $ 12,459.40 $ 599,288 $ 3,633,001
7 $ 3,633,001 $ 14,982.19 $ 599,288 $ 4,247,271
8 $ 4,247,271 $ 17,515.39 $ 599,288 $ 4,864,074
9 $ 4,864,074 $ 20,059.03 $ 599,288 $ 5,483,421
10 $ 5,483,421 $ 22,613.16 $ 599,288 $ 6,105,322
11 $ 6,105,322 $ 25,177.83 $ 599,288 $ 6,729,787
12 $ 6,729,787 $ 27,753.07 $ 599,288 $ 7,356,828
13 $ 7,356,828 $ 30,338.94 $ 599,288 $ 7,986,455
14 $ 7,986,455 $ 32,935.46 $ 599,288 $ 8,618,678
15 $ 8,618,678 $ 35,542.70 $ 599,288 $ 9,253,508
16 $ 9,253,508 $ 38,160.68 $ 599,288 $ 9,890,956
17 $ 9,890,956 $ 40,789.47 $ 599,288 $ 10,531,033
18 $ 10,531,033 $ 43,429.09 $ 599,288 $ 11,173,750
19 $ 11,173,750 $ 46,079.60 $ 599,288 $ 11,819,117
20 $ 11,819,117 $ 48,741.04 $ 599,288 $ 12,467,146
21 $ 12,467,146 $ 51,413.46 $ 599,288 $ 13,117,847
22 $ 13,117,847 $ 54,096.89 $ 599,288 $ 13,771,232
23 $ 13,771,232 $ 56,791.40 $ 599,288 $ 14,427,311
24 $ 14,427,311 $ 59,497.01 $ 599,288 $ 15,086,095
25 $ 15,086,095 $ 62,213.78 $ 599,288 $ 15,747,597
26 $ 15,747,597 $ 64,941.76 $ 599,288 $ 16,411,826
27 $ 16,411,826 $ 67,680.98 $ 599,288 $ 17,078,795
28 $ 17,078,795 $ 70,431.51 $ 599,288 $ 17,748,514
29 $ 17,748,514 $ 73,193.37 $ 599,288 $ 18,420,995
30 $ 18,420,995 $ 75,966.63 $ 599,288 $ 19,096,249
31 $ 19,096,249 $ 78,751.32 $ 599,288 $ 19,774,288
32 $ 19,774,288 $ 81,547.49 $ 599,288 $ 20,455,123
33 $ 20,455,123 $ 84,355.20 $ 599,288 $ 21,138,766
34 $ 21,138,766 $ 87,174.48 $ 599,288 $ 21,825,228
35 $ 21,825,228 $ 90,005.40 $ 599,288 $ 22,514,521
36 $ 22,514,521 $ 92,847.98 $ 599,288 $ 23,206,657
37 $ 23,206,657 $ 95,702.29 $ 599,288 $ 23,901,647
38 $ 23,901,647 $ 98,568.37 $ 599,288 $ 24,599,503
39 $ 24,599,503 $ 101,446.27 $ 599,288 $ 25,300,237
40 $ 25,300,237 $ 104,336.04 $ 599,288 $ 26,003,860
41 $ 26,003,860 $ 107,237.72 $ 599,288 $ 26,710,386
42 $ 26,710,386 $ 110,151.37 $ 599,288 $ 27,419,825
43 $ 27,419,825 $ 113,077.04 $ 599,288 $ 28,132,189
44 $ 28,132,189 $ 116,014.77 $ 599,288 $ 28,847,492
45 $ 28,847,492 $ 118,964.62 $ 599,288 $ 29,565,744
46 $ 29,565,744 $ 121,926.63 $ 599,288 $ 30,286,958
47 $ 30,286,958 $ 124,900.86 $ 599,288 $ 31,011,147
48 $ 31,011,147 $ 127,887.35 $ 599,288 $ 31,738,322
49 $ 31,738,322 $ 130,886.16 $ 599,288 $ 32,468,496
50 $ 32,468,496 $ 133,897.33 $ 599,288 $ 33,201,681
51 $ 33,201,681 $ 136,920.92 $ 599,288 $ 33,937,889
52 $ 33,937,889 $ 139,956.99 $ 599,288 $ 34,677,134
53 $ 34,677,134 $ 143,005.57 $ 599,288 $ 35,419,427
54 $ 35,419,427 $ 146,066.72 $ 599,288 $ 36,164,781
55 $ 36,164,781 $ 149,140.50 $ 599,288 $ 36,913,209
56 $ 36,913,209 $ 152,226.96 $ 599,288 $ 37,664,724
57 $ 37,664,724 $ 155,326.14 $ 599,288 $ 38,419,338
58 $ 38,419,338 $ 158,438.10 $ 599,288 $ 39,177,064
59 $ 39,177,064 $ 161,562.90 $ 599,288 $ 39,937,914
60 $ 39,937,914 $ 164,700.58 $ 599,288 $ 40,701,902
ses en el banco Rentístico, el cual le paga a una tasa de 5% nominal semestral.

horro con el banco Rentístico.

nco Supersolidario, otros 60 meses, a una tasa de 8% NA. Halle, el VF que tendrá
olidario.

efectiva mensual

Con el valor ahorrado en el banco Rentístico al cabo de los 60 meses, Juan pretende depositarlo en el banco
Supersolidario, otros 60 meses, a una tasa de 8% NA. Halle, el VF que tendrá que recibir Juan del banco
Supersolidario.

Va $ 40,701,902
Plazo 60 meses
Tasa 8% Nominal anual 8% Efectivo anual 0.64%
VF $ 59,804,447.83

Rta: el VF que recibirá Juan despues de 60 meses será de $59.804.447,83

ende depositarlo en el banco
que recibir Juan del banco

efectivo mensual

804.447,83