1

Guía No. 7

FUNDAMENTACIÓN Y APLICACIÓN DE MATEMÁTICAS

FINANCIERA EN CONTABILIDAD

Gustavo Adolfo López Guzmán

Servicio nacional de aprendizaje Sena

Gestión Contable Y Financiera
Leidy Smith Moreno Mosquera
Instructor

Marzo 2020.
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3.2.1 De manera individual y desescolarizada, de acuerdo con sus conocimientos

previos y los resultados de la actividad anterior, analice ¿Cuál de las tres opciones
de financiación considera que le cuesta menos? Mediante un cuadro comparativo
demuestre el costo de financiación para cada uno de los tres casos.
-

3.2.1 Cuadro comprativo Bancos

Scotiabank Colpatria Bancolombia Av Villas
Aprobación a persnas
entre 21 y 74 años.
Aprobación a personas entre 18 Aprobación a personas entre 18
Montos desde
y 84 años. Monto minimo de y 76 años. Montos desde
$2.700.000 a
Libre inversion $1.000.000= . Plazo entre 48 y 84 $1.000.000 hasta $120.000.000=.
$100.000.000=. Plazo
meses. Tasa de interes mensial Plazo entre 36 y 60 meses. Tasa
entre 12 y 60 meses.
de 1.28% de interes 2,19%
Tasa de interes mensual
del 1.81%
Aprovación a personas
entre 18 y 74 años. Aprobación a personas entre 18
Aprobación a personas entre 18
Monto minimo del y 74 años. Monto minino de
y 76 años. Montos desde
Educativo credito de $300.000=. $700.000=. Pazo entre 6 meses y
$1.500.000=. Plazo desde 6 a 60
Plazo de 3 meses a 60 12 años (144 meses). Tasa de
meses. Tasa de interes del 1,81%
meses. Tasa de interes interes mensual 1.70%
mensual del 1.93%
Arpobación a personas Aprobación a personas entre 18
entre 21 y 75 años. y 72 años. Valor comercial del Aprobación a personas entre 18
Monto minimo del inmueble minimo 140 SMMLV. y 70 años. Monto minimo del
credito de Prestamo maximo hasta el 90% credito S50.000, hasta capacidad
Hipotecario o Leasing
$100.000.000=. Plazo de del valor del inmueble. Plazo de endeudamiento del cliente.
5 a 20 años (60/240 entre 5 a 20 años (60/240 Plazo hasta 20 años (240 meses).
meses). Tasa de interes Meses). Tasa de interes del Tasa de interes del 9,50%
mensual 9,04% 9,10%
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2% Tasa de interes mensual Monto 50.000.000 1% Tasa de interes mensual Monto 23.000.000 2% Tasa de interes mensual Monto 1.000.000

N 12 N 48 N 36

Periodo Inicial Interes Amort. Cuota Final Periodo Inicial Interes Amort. Cuota Final
Periodo Inicial Interes Amort. Cuota Final
- 50.000.000 - 23.000.000
1 50.000.000 905.000 3.767.984 4.672.984 46.232.016 1 23.000.000 294.400 349.912 644.312 22.650.088 - 1.000.000
2 46.232.016 836.799 3.836.184 4.672.984 42.395.832 2 22.650.088 289.921 354.391 644.312 22.295.697 1 1.000.000 21.900 18.540 40.440 981.460
3 42.395.832 767.365 3.905.619 4.672.984 38.490.213 3 22.295.697 285.385 358.927 644.312 21.936.769 2 981.460 21.494 18.946 40.440 962.514
4 38.490.213 696.673 3.976.311 4.672.984 34.513.902 4 21.936.769 280.791 363.522 644.312 21.573.248 3 962.514 21.079 19.361 40.440 943.153
5 34.513.902 624.702 4.048.282 4.672.984 30.465.620 5 21.573.248 276.138 368.175 644.312 21.205.073 4 943.153 20.655 19.785 40.440 923.368
6 30.465.620 551.428 4.121.556 4.672.984 26.344.064 6 21.205.073 271.425 372.887 644.312 20.832.186 5 923.368 20.222 20.218 40.440 903.150
7 26.344.064 476.828 4.196.156 4.672.984 22.147.907 7 20.832.186 266.652 377.660 644.312 20.454.526 6 903.150 19.779 20.661 40.440 882.489
8 22.147.907 400.877 4.272.107 4.672.984 17.875.801 8 20.454.526 261.818 382.494 644.312 20.072.031 7 882.489 19.327 21.113 40.440 861.376
9 17.875.801 323.552 4.349.432 4.672.984 13.526.369 9 20.072.031 256.922 387.390 644.312 19.684.641 8 861.376 18.864 21.576 40.440 839.800
10 13.526.369 244.827 4.428.156 4.672.984 9.098.213 10 19.684.641 251.963 392.349 644.312 19.292.292 9 839.800 18.392 22.048 40.440 817.752
11 9.098.213 164.678 4.508.306 4.672.984 4.589.906 11 19.292.292 246.941 397.371 644.312 18.894.921 10 817.752 17.909 22.531 40.440 795.221
12 4.589.906 83.077 4.589.906 4.672.984 - 12 18.894.921 241.855 402.457 644.312 18.492.464 11 795.221 17.415 23.025 40.440 772.196
13 18.492.464 236.704 407.609 644.312 18.084.855 12 772.196 16.911 23.529 40.440 748.667
14 18.084.855 231.486 412.826 644.312 17.672.029 13 748.667 16.396 24.044 40.440 724.623
15 17.672.029 226.202 418.110 644.312 17.253.919 14 724.623 15.869 24.571 40.440 700.052
16 17.253.919 220.850 423.462 644.312 16.830.457 15 700.052 15.331 25.109 40.440 674.944
2% Tasa de interes mensual Monto 12.000.000 17 16.830.457 215.430 428.882 644.312 16.401.574 16 674.944 14.781 25.659 40.440 649.285
18 16.401.574 209.940 434.372 644.312 15.967.202 17 649.285 14.219 26.221 40.440 623.064
N 10 19 15.967.202 204.380 439.932 644.312 15.527.270 18 623.064 13.645 26.795 40.440 596.270
20 15.527.270 198.749 445.563 644.312 15.081.707 19 596.270 13.058 27.382 40.440 568.888
21 15.081.707 193.046 451.266 644.312 14.630.441 20 568.888 12.459 27.981 40.440 540.907
Periodo Inicial Interes Amort. Cuota Final 22 14.630.441 187.270 457.043 644.312 14.173.398 21 540.907 11.846 28.594 40.440 512.313
23 14.173.398 181.419 462.893 644.312 13.710.505 22 512.313 11.220 29.220 40.440 483.092
0 12.000.000 24 13.710.505 175.494 468.818 644.312 13.241.688 23 483.092 10.580 29.860 40.440 453.232
1 12.000.000 231.600 1.099.430 1.331.030 10.900.570 25 13.241.688 169.494 474.819 644.312 12.766.869 24 453.232 9.926 30.514 40.440 422.718
2 10.900.570 210.381 1.120.649 1.331.030 9.779.920 26 12.766.869 163.416 480.896 644.312 12.285.973 25 422.718 9.258 31.182 40.440 391.536
3 9.779.920 188.752 1.142.278 1.331.030 8.637.643 27 12.285.973 157.260 487.052 644.312 11.798.921 26 391.536 8.575 31.865 40.440 359.670
4 8.637.643 166.707 1.164.324 1.331.030 7.473.319 28 11.798.921 151.026 493.286 644.312 11.305.635 27 359.670 7.877 32.563 40.440 327.107
5 7.473.319 144.235 1.186.795 1.331.030 6.286.524 29 11.305.635 144.712 499.600 644.312 10.806.035 28 327.107 7.164 33.276 40.440 293.831
6 6.286.524 121.330 1.209.700 1.331.030 5.076.823 30 10.806.035 138.317 505.995 644.312 10.300.040 29 293.831 6.435 34.005 40.440 259.826
7 5.076.823 97.983 1.233.048 1.331.030 3.843.776 31 10.300.040 131.841 512.472 644.312 9.787.568 30 259.826 5.690 34.750 40.440 225.076
8 3.843.776 74.185 1.256.845 1.331.030 2.586.930 32 9.787.568 125.281 519.031 644.312 9.268.537 31 225.076 4.929 35.511 40.440 189.565
9 2.586.930 49.928 1.281.103 1.331.030 1.305.828 33 9.268.537 118.637 525.675 644.312 8.742.862 32 189.565 4.151 36.288 40.440 153.277
10 1.305.828 25.202 1.305.828 1.331.030 - 34 8.742.862 111.909 532.404 644.312 8.210.458 33 153.277 3.357 37.083 40.440 116.194
35 8.210.458 105.094 539.218 644.312 7.671.240 34 116.194 2.545 37.895 40.440 78.298
36 7.671.240 98.192 546.120 644.312 7.125.119 35 78.298 1.715 38.725 40.440 39.573
37 7.125.119 91.202 553.111 644.312 6.572.009 36 39.573 867 39.573 40.440 -
38 6.572.009 84.122 560.191 644.312 6.011.818
9% Tasa de interes mensual Monto 105.000.000 39 6.011.818 76.951 567.361 644.312 5.444.457
40 5.444.457 69.689 574.623 644.312 4.869.834
N 80 41 4.869.834 62.334 581.978 644.312 4.287.856
42 4.287.856 54.885 589.428 644.312 3.698.428 2% Tasa de interes mensual Monto 2.000.000
43 3.698.428 47.340 596.972 644.312 3.101.456
44 3.101.456 39.699 604.614 644.312 2.496.842 N 6
Periodo Inicial Interes Amort. Cuota Final 45 2.496.842 31.960 612.353 644.312 1.884.489
46 1.884.489 24.121 620.191 644.312 1.264.298
- 105.000.000 47 1.264.298 16.183 628.129 644.312 636.169
1 105.000.000 9.492.000 9.352 9.501.352 104.990.648 48 636.169 8.143 636.169 644.312 - Periodo Inicial Interes Amort. Cuota Final
2 104.990.648 9.491.155 10.198 9.501.352 104.980.450
3 104.980.450 9.490.233 11.120 9.501.352 104.969.330 - 2.000.000
4 104.969.330 9.489.227 12.125 9.501.352 104.957.206 1 2.000.000 36.200 318.566 354.766 1.681.434
5 104.957.206 9.488.131 13.221 9.501.352 104.943.985 2 1.681.434 30.434 324.332 354.766 1.357.103
6 104.943.985 9.486.936 14.416 9.501.352 104.929.569 2% Tasa de interes mensual Monto 32.000.000 3 1.357.103 24.564 330.202 354.766 1.026.901
7 104.929.569 9.485.633 15.719 9.501.352 104.913.849 4 1.026.901 18.587 336.179 354.766 690.722
8 104.913.849 9.484.212 17.140 9.501.352 104.896.709 N 60 5 690.722 12.502 342.264 354.766 348.459
9 104.896.709 9.482.662 18.690 9.501.352 104.878.019 6 348.459 6.307 348.459 354.766 -
10 104.878.019 9.480.973 20.379 9.501.352 104.857.640
11 104.857.640 9.479.131 22.222 9.501.352 104.835.418
12 104.835.418 9.477.122 24.230 9.501.352 104.811.188 Periodo Inicial Interes Amort. Cuota Final
13 104.811.188 9.474.931 26.421 9.501.352 104.784.767
14 104.784.767 9.472.543 28.809 9.501.352 104.755.957 - 32.000.000 10% Tasa de interes mensual Monto 65.000.000
15 104.755.957 9.469.939 31.414 9.501.352 104.724.544 1 32.000.000 544.000 310.942 854.942 31.689.058
16 104.724.544 9.467.099 34.254 9.501.352 104.690.290 2 31.689.058 538.714 316.228 854.942 31.372.830 N 90
17 104.690.290 9.464.002 37.350 9.501.352 104.652.940 3 31.372.830 533.338 321.604 854.942 31.051.226
18 104.652.940 9.460.626 40.727 9.501.352 104.612.213 4 31.051.226 527.871 327.071 854.942 30.724.155
19 104.612.213 9.456.944 44.408 9.501.352 104.567.805 5 30.724.155 522.311 332.631 854.942 30.391.523
20 104.567.805 9.452.930 48.423 9.501.352 104.519.382 6 30.391.523 516.656 338.286 854.942 30.053.237 Periodo Inicial Interes Amort. Cuota Final
21 104.519.382 9.448.552 52.800 9.501.352 104.466.582 7 30.053.237 510.905 344.037 854.942 29.709.200
22 104.466.582 9.443.779 57.573 9.501.352 104.409.009 8 29.709.200 505.056 349.886 854.942 29.359.314 - 65.000.000
23 104.409.009 9.438.574 62.778 9.501.352 104.346.231 9 29.359.314 499.108 355.834 854.942 29.003.480 1 65.000.000 6.175.000 1.752 6.176.752 64.998.248
24 104.346.231 9.432.899 68.453 9.501.352 104.277.778 10 29.003.480 493.059 361.883 854.942 28.641.597 2 64.998.248 6.174.834 1.918 6.176.752 64.996.330
25 104.277.778 9.426.711 74.641 9.501.352 104.203.137 11 28.641.597 486.907 368.035 854.942 28.273.562 3 64.996.330 6.174.651 2.100 6.176.752 64.994.229
26 104.203.137 9.419.964 81.389 9.501.352 104.121.748 12 28.273.562 480.651 374.292 854.942 27.899.271 4 64.994.229 6.174.452 2.300 6.176.752 64.991.929
27 104.121.748 9.412.606 88.746 9.501.352 104.033.002 13 27.899.271 474.288 380.654 854.942 27.518.616 5 64.991.929 6.174.233 2.519 6.176.752 64.989.411
28 104.033.002 9.404.583 96.769 9.501.352 103.936.233 14 27.518.616 467.816 387.126 854.942 27.131.491 6 64.989.411 6.173.994 2.758 6.176.752 64.986.653
29 103.936.233 9.395.835 105.517 9.501.352 103.830.717 15 27.131.491 461.235 393.707 854.942 26.737.784 7 64.986.653 6.173.732 3.020 6.176.752 64.983.633
30 103.830.717 9.386.297 115.056 9.501.352 103.715.661 16 26.737.784 454.542 400.400 854.942 26.337.384 8 64.983.633 6.173.445 3.307 6.176.752 64.980.327
31 103.715.661 9.375.896 125.457 9.501.352 103.590.205 17 26.337.384 447.736 407.207 854.942 25.930.178 9 64.980.327 6.173.131 3.621 6.176.752 64.976.706
32 103.590.205 9.364.554 136.798 9.501.352 103.453.407 18 25.930.178 440.813 414.129 854.942 25.516.049 10 64.976.706 6.172.787 3.965 6.176.752 64.972.741
33 103.453.407 9.352.188 149.164 9.501.352 103.304.242 19 25.516.049 433.773 421.169 854.942 25.094.879 11 64.972.741 6.172.410 4.341 6.176.752 64.968.400
34 103.304.242 9.338.704 162.649 9.501.352 103.141.594 20 25.094.879 426.613 428.329 854.942 24.666.550 12 64.968.400 6.171.998 4.754 6.176.752 64.963.646
35 103.141.594 9.324.000 177.352 9.501.352 102.964.241 21 24.666.550 419.331 435.611 854.942 24.230.939 13 64.963.646 6.171.546 5.205 6.176.752 64.958.440
36 102.964.241 9.307.967 193.385 9.501.352 102.770.857 22 24.230.939 411.926 443.016 854.942 23.787.923 14 64.958.440 6.171.052 5.700 6.176.752 64.952.740
37 102.770.857 9.290.485 210.867 9.501.352 102.559.990 23 23.787.923 404.395 450.547 854.942 23.337.376 15 64.952.740 6.170.510 6.241 6.176.752 64.946.499
38 102.559.990 9.271.423 229.929 9.501.352 102.330.060 24 23.337.376 396.735 458.207 854.942 22.879.169 16 64.946.499 6.169.917 6.834 6.176.752 64.939.665
39 102.330.060 9.250.637 250.715 9.501.352 102.079.346 25 22.879.169 388.946 465.996 854.942 22.413.173 17 64.939.665 6.169.268 7.484 6.176.752 64.932.181
40 102.079.346 9.227.973 273.379 9.501.352 101.805.966 26 22.413.173 381.024 473.918 854.942 21.939.255 18 64.932.181 6.168.557 8.195 6.176.752 64.923.986
41 101.805.966 9.203.259 298.093 9.501.352 101.507.873 27 21.939.255 372.967 481.975 854.942 21.457.280 19 64.923.986 6.167.779 8.973 6.176.752 64.915.013
42 101.507.873 9.176.312 325.041 9.501.352 101.182.833 28 21.457.280 364.774 490.168 854.942 20.967.112 20 64.915.013 6.166.926 9.826 6.176.752 64.905.188
43 101.182.833 9.146.928 354.424 9.501.352 100.828.408 29 20.967.112 356.441 498.501 854.942 20.468.610 21 64.905.188 6.165.993 10.759 6.176.752 64.894.429
44 100.828.408 9.114.888 386.464 9.501.352 100.441.944 30 20.468.610 347.966 506.976 854.942 19.961.635 22 64.894.429 6.164.971 11.781 6.176.752 64.882.648
45 100.441.944 9.079.952 421.401 9.501.352 100.020.544 31 19.961.635 339.348 515.594 854.942 19.446.040 23 64.882.648 6.163.852 12.900 6.176.752 64.869.747
46 100.020.544 9.041.857 459.495 9.501.352 99.561.049 32 19.446.040 330.583 524.359 854.942 18.921.681 24 64.869.747 6.162.626 14.126 6.176.752 64.855.621
47 99.561.049 9.000.319 501.034 9.501.352 99.060.015 33 18.921.681 321.669 533.274 854.942 18.388.407 25 64.855.621 6.161.284 15.468 6.176.752 64.840.154
48 99.060.015 8.955.025 546.327 9.501.352 98.513.688 34 18.388.407 312.603 542.339 854.942 17.846.068 26 64.840.154 6.159.815 16.937 6.176.752 64.823.216
49 98.513.688 8.905.637 595.715 9.501.352 97.917.973 35 17.846.068 303.383 551.559 854.942 17.294.509 27 64.823.216 6.158.206 18.546 6.176.752 64.804.670
50 97.917.973 8.851.785 649.568 9.501.352 97.268.406 36 17.294.509 294.007 560.935 854.942 16.733.574 28 64.804.670 6.156.444 20.308 6.176.752 64.784.362
51 97.268.406 8.793.064 708.288 9.501.352 96.560.117 37 16.733.574 284.471 570.471 854.942 16.163.103 29 64.784.362 6.154.514 22.237 6.176.752 64.762.124
52 96.560.117 8.729.035 772.318 9.501.352 95.787.800 38 16.163.103 274.773 580.169 854.942 15.582.933 30 64.762.124 6.152.402 24.350 6.176.752 64.737.774
53 95.787.800 8.659.217 842.135 9.501.352 94.945.664 39 15.582.933 264.910 590.032 854.942 14.992.901 31 64.737.774 6.150.089 26.663 6.176.752 64.711.111
54 94.945.664 8.583.088 918.264 9.501.352 94.027.400 40 14.992.901 254.879 600.063 854.942 14.392.838 32 64.711.111 6.147.556 29.196 6.176.752 64.681.915
55 94.027.400 8.500.077 1.001.275 9.501.352 93.026.125 41 14.392.838 244.678 610.264 854.942 13.782.574 33 64.681.915 6.144.782 31.970 6.176.752 64.649.945
56 93.026.125 8.409.562 1.091.791 9.501.352 91.934.334 42 13.782.574 234.304 620.638 854.942 13.161.936 34 64.649.945 6.141.745 35.007 6.176.752 64.614.938
57 91.934.334 8.310.864 1.190.488 9.501.352 90.743.846 43 13.161.936 223.753 631.189 854.942 12.530.747 35 64.614.938 6.138.419 38.333 6.176.752 64.576.605
58 90.743.846 8.203.244 1.298.109 9.501.352 89.445.737 44 12.530.747 213.023 641.919 854.942 11.888.827 36 64.576.605 6.134.778 41.974 6.176.752 64.534.631
59 89.445.737 8.085.895 1.415.458 9.501.352 88.030.280 45 11.888.827 202.110 652.832 854.942 11.235.995 37 64.534.631 6.130.790 45.962 6.176.752 64.488.669
60 88.030.280 7.957.937 1.543.415 9.501.352 86.486.865 46 11.235.995 191.012 663.930 854.942 10.572.065 38 64.488.669 6.126.424 50.328 6.176.752 64.438.341
61 86.486.865 7.818.413 1.682.940 9.501.352 84.803.925 47 10.572.065 179.725 675.217 854.942 9.896.848 39 64.438.341 6.121.642 55.109 6.176.752 64.383.231
62 84.803.925 7.666.275 1.835.077 9.501.352 82.968.847 48 9.896.848 168.246 686.696 854.942 9.210.153 40 64.383.231 6.116.407 60.345 6.176.752 64.322.887
63 82.968.847 7.500.384 2.000.968 9.501.352 80.967.879 49 9.210.153 156.573 698.370 854.942 8.511.783 41 64.322.887 6.110.674 66.078 6.176.752 64.256.809
64 80.967.879 7.319.496 2.181.856 9.501.352 78.786.023 50 8.511.783 144.700 710.242 854.942 7.801.541 42 64.256.809 6.104.397 72.355 6.176.752 64.184.454
65 78.786.023 7.122.256 2.379.096 9.501.352 76.406.927 51 7.801.541 132.626 722.316 854.942 7.079.225 43 64.184.454 6.097.523 79.229 6.176.752 64.105.225
66 76.406.927 6.907.186 2.594.166 9.501.352 73.812.761 52 7.079.225 120.347 734.595 854.942 6.344.630 44 64.105.225 6.089.996 86.755 6.176.752 64.018.470
67 73.812.761 6.672.674 2.828.679 9.501.352 70.984.082 53 6.344.630 107.859 747.083 854.942 5.597.547 45 64.018.470 6.081.755 94.997 6.176.752 63.923.473
68 70.984.082 6.416.961 3.084.391 9.501.352 67.899.691 54 5.597.547 95.158 759.784 854.942 4.837.763 46 63.923.473 6.072.730 104.022 6.176.752 63.819.451
69 67.899.691 6.138.132 3.363.220 9.501.352 64.536.471 55 4.837.763 82.242 772.700 854.942 4.065.063 47 63.819.451 6.062.848 113.904 6.176.752 63.705.547
70 64.536.471 5.834.097 3.667.255 9.501.352 60.869.215 56 4.065.063 69.106 785.836 854.942 3.279.227 48 63.705.547 6.052.027 124.725 6.176.752 63.580.822
71 60.869.215 5.502.577 3.998.775 9.501.352 56.870.440 57 3.279.227 55.747 799.195 854.942 2.480.031 49 63.580.822 6.040.178 136.574 6.176.752 63.444.248
72 56.870.440 5.141.088 4.360.265 9.501.352 52.510.176 58 2.480.031 42.161 812.782 854.942 1.667.250 50 63.444.248 6.027.204 149.548 6.176.752 63.294.700
73 52.510.176 4.746.920 4.754.432 9.501.352 47.755.743 59 1.667.250 28.343 826.599 854.942 840.651 51 63.294.700 6.012.997 163.755 6.176.752 63.130.945
74 47.755.743 4.317.119 5.184.233 9.501.352 42.571.510 60 840.651 14.291 840.651 854.942 - 52 63.130.945 5.997.440 179.312 6.176.752 62.951.633
75 42.571.510 3.848.465 5.652.888 9.501.352 36.918.622 53 62.951.633 5.980.405 196.347 6.176.752 62.755.286
76 36.918.622 3.337.443 6.163.909 9.501.352 30.754.713 54 62.755.286 5.961.752 215.000 6.176.752 62.540.286
77 30.754.713 2.780.226 6.721.126 9.501.352 24.033.587 55 62.540.286 5.941.327 235.425 6.176.752 62.304.862
78 24.033.587 2.172.636 7.328.716 9.501.352 16.704.871 56 62.304.862 5.918.962 257.790 6.176.752 62.047.072
79 16.704.871 1.510.120 7.991.232 9.501.352 8.713.639 57 62.047.072 5.894.472 282.280 6.176.752 61.764.792
80 8.713.639 787.713 8.713.639 9.501.352 - 9% Tasa de interes mensual Monto 80.000.000 58 61.764.792 5.867.655 309.097 6.176.752 61.455.695
59 61.455.695 5.838.291 338.461 6.176.752 61.117.234
N 120 60 61.117.234 5.806.137 370.615 6.176.752 60.746.620
61 60.746.620 5.770.929 405.823 6.176.752 60.340.797
62 60.340.797 5.732.376 444.376 6.176.752 59.896.421
63 59.896.421 5.690.160 486.592 6.176.752 59.409.829
Periodo Inicial Interes Amort. Cuota Final 64 59.409.829 5.643.934 532.818 6.176.752 58.877.011
65 58.877.011 5.593.316 583.436 6.176.752 58.293.575
- 80.000.000 66 58.293.57
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3.3.1 De acuerdo a la bibliografía propuesta en la presente Guía y demás libros

y/o webgrafía necesarios, responda las siguientes preguntas:
¿Quién coloca el valor al dinero?
¿Quién define la tasa de interés?
¿Quién define la tasa de interés en un Certificado de Depósito a término
CDT?
¿Cuáles son las funciones del Banco de la República?
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3.3.2 A continuación encontrará una serie de conceptos que le ayudarán a tener

una mayor comprensión del tema planteado en esta Guía, por tanto, indague
sobre los términos que se indican en la siguiente matriz y complétela. Desarrolle
la actividad teniendo en cuenta la bibliografía planteada.
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3.3.3 Consulte y lea el capítulo I Conceptos Fundamentales: Valor del dinero en

el tiempo del libro Matemáticas Financieras Aplicadas de Jhonny de Jesús Meza
Orozco, Editorial Ecoe Ediciones. De acuerdo a esta lectura elabore un cuadro
sinóptico explique y formule un ejemplo para cada uno de los siguientes Ítems:

 Valor del dinero en el tiempo

 Interés
 Equivalencia
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