A= 1,000,000.

00
i= 0.80%
n= 6 Un estudiante de eafit deposita a fin de mes 1.000.000 durante 6 meses
F= 6,121,287.70 ? 6 meses si la cuenta de ahorro te reconoce una tasa de interes de

A= 100,000.00
i= 0.10% Suponga tiene un saldo de 1`123.456 y durante 14 meses deposit
n= 14 mensualmente en una cuenta de ahorros 100.000 pesos a una tasa de
F= 2,548,423.53 ? del 0,1% mensual
P= 1123456 Pago= anualidad

P= 15,000,000.00
i= 1.25% CON LA FUNCION PAGO ENCONTRAMOS EL VALOR DE LA ANUALIDAD
n= 24
A= 727,299.72 ? (va=Prestamo o saldo)

P= 100.00 CUANDO NOS DAN SOLO 3 DATOS SE SACA LA FORMULA CON ESOS
i= 2% mensual EJEMPLO: FALTA LA ANUALIDAD, NO SE PONE NINGUN DATO EN L
n= 12 meses UBICACIÓN DEL DATO FALTANTE
F= 126.82

F= -1,000,000.00
i= 1.50% mensual CON LA FUNCION "VA" SE ENCUENTRA EL VALOR PRESENTE O DEL PRES
n= 12 meses LA TASA DE INTERES DEBE IR CON UNA COMA Y DEBE COPIARSE EN LA
P= 836,387.42 ? SUPERIOR DONDE VAN LAS FUNCIONES

F= 600,000.00
BUSCAR CON QUE FORMULA ENCUENTRO EL VALOR DE LA TASA DE IN
n= 12 meses
P= 500,000.00
i= ?

P= 15000000
USTED VA A COMPRAR UN CARRO DE 25000000 Y LE FINANCIAN EL 60
n= 24 mensuales PAGARLO EN CUOTAS IGUALES MENSUALES A 2 AÑOS, A UNA TASA
INTERES DEL 1.25% MENSUAL
 USTED VA A COMPRAR UN CARRO DE 25000000 Y LE FINANCIAN EL 60
PAGARLO EN CUOTAS IGUALES MENSUALES A 2 AÑOS, A UNA TASA
i= 1% mensual INTERES DEL 1.25% MENSUAL
A= 727,299.72 ?
CUANDO LA TASA NO ES UN NUMERO ENTERO SINO
DECIMAL, LA ANOTO EN LA FUNCION ARRIBA!
mes 1.000.000 durante 6 meses, hallar el saldo a los
conoce una tasa de interes del 0,8% mensual

56 y durante 14 meses deposito

s 100.000 pesos a una tasa de interes
mensual

S EL VALOR DE LA ANUALIDAD (va=P)

SACA LA FORMULA CON ESOS 3,

O SE PONE NINGUN DATO EN LA
ATO FALTANTE

VALOR PRESENTE O DEL PRESTAMO,

OMA Y DEBE COPIARSE EN LA PARTE
N LAS FUNCIONES

RO EL VALOR DE LA TASA DE INTERES

000000 Y LE FINANCIAN EL 60% PARA

UALES A 2 AÑOS, A UNA TASA DE
% MENSUAL
 NUMERO ENTERO SINO
LA FUNCION ARRIBA!
P= 1,000,000.00
n= 12.00
i= 1%
Abono programado 100,000.00 mes 6

Periodo Cuota Inicial Intereses

- 1,000,000.00
1 1,000,000.00 10,000.00
2 929,521.17 9,295.21
3 858,337.55 8,583.38
4 786,442.09 7,864.42
5 713,827.68 7,138.28
6 640,487.13 6,404.87
7 466,413.17 4,664.13
8 390,598.47 3,905.98
9 314,025.63 3,140.26
10 236,687.05 2,366.87
11 158,575.09 1,585.75
12 79,682.01 796.82

p= 1,000.00
i= 1%
n= 24.00 periodo saldo inicial
cuota programada= 100.00 en 12 - 1,000.00
1 1,000.00
2 967.10
3 933.88
4 900.32
5 866.43
6 832.20
7 797.62
8 762.70
9 727.44
10 691.81
11 655.84
12 619.50
13 482.80
14 444.73
15 406.28
16 367.45
17 328.23
 18 288.61
19 248.60
20 208.19
21 167.38
22 126.16
23 84.52
24 42.47

P= 1,000.00 Periodo
n= 4.00 trimestral 0
A= 300.00 1
AP= 100.00 trimestre 3 2
i= 11% ? 3
4
11%

P= 2000 Periodo
n= 9 empieza mes 4 0
AP= 200 mes 10 1
i= 2% 2
3
4
5
6
7
8
9
10
11
12

P= 1000000 periodo saldo inicial

n= 12 meses 0 1,000,000.00
i= 1% mensual 1 1,000,000.00
AP= 100000 mes 6 2 929,521.17
3 858,337.55
4 786,442.09
 5 713,827.68
6 640,487.13
7 466,413.17
8 390,598.47
9 314,025.63
10 236,687.05
11 158,575.09
12 79,682.01

P= 1000
n= 4 trimestral periodo saldo inicial
A= 300 0 1000
AP= 100 En el mes 3 1 1000
i= 11% 2 811.76894674049
3 602.49950691431
4 269.84024221379

P= 2000 periodo saldo inicial

n= 9 empieza mes 4 0 2,000.00
1 2,000.00
AP= 200 mes 10 2 2,040.00
i= 2% 3 2,080.80
4 2,122.42
5 1,926.17
6 1,725.99
7 1,521.82
8 1,313.55
9 1,101.13
10 884.45
11 463.45
12 234.02

P= 2000
n= 9 empieza mes 4 Periodo saldo inicial
APmes10= 200 0 2,000.00
i= 2% 1 2,000.00
2 2,040.00
3 2,080.80
4 2,122.42
5 1,926.17
6 1,725.99
7 1,521.82
8 1,313.55
 9 1,101.13
10 884.45
11 463.45
12 234.02

P= 1000
n= 4 trimestral periodo saldo inicial
A= 300 0 1,000.00
APmes3= 100 1 1,000.00
i= 11% 2 811.77
3 602.50
4 269.84

P= 1000000
n= 12 meses Periodo saldo inicial
i= 1% mensual 0 1,000,000.00
AP= 100000 mes 6 1 1,000,000.00
2 929,521.17
3 858,337.55
4 786,442.09
5 713,827.68
6 640,487.13
7 466,413.17
8 390,598.47
9 314,025.63
10 236,687.05
11 158,575.09
12 79,682.01

P= 2000 periodo saldo inicial

n= 9 empieza mes 4 0 2,000.00
APmes10= 200 1 2,000.00
i= 2% 2 2,040.00
3 2,080.80
4 2,122.42
5 1,926.17
6 1,725.99
7 1,521.82
8 1,313.55
 9 1,101.13
10 884.45
11 463.45
12 234.02
Abonos Cuotas Saldo Final
1,000,000.00
70,478.83 80,478.83 929,521.17
71,183.62 80,478.83 858,337.55
TEMA SENCILLO DE COMPREN
71,895.46 80,478.83 786,442.09 ABONO PROGRAMADO
72,614.41 80,478.83 713,827.68
73,340.55 80,478.83 640,487.13
174,073.96 100,000.00 180,478.83 466,413.17
75,814.70 80,478.83 390,598.47
76,572.85 80,478.83 314,025.63
77,338.57 80,478.83 236,687.05
78,111.96 80,478.83 158,575.09
78,893.08 80,478.83 79,682.01
79,682.01 80,478.83 -0.00

intereses abonos cuota extra cuotas saldo final

1,000.00
10.00 32.90 42.90 967.10
9.67 33.22 42.90 933.88
9.34 33.56 42.90 900.32
9.00 33.89 42.90 866.43
8.66 34.23 42.90 832.20
8.32 34.57 42.90 797.62
7.98 34.92 42.90 762.70
7.63 35.27 42.90 727.44
7.27 35.62 42.90 691.81
6.92 35.98 42.90 655.84
6.56 36.34 42.90 619.50
6.19 136.70 100.00 142.90 482.80
4.83 38.07 42.90 444.73
4.45 38.45 42.90 406.28
4.06 38.83 42.90 367.45
3.67 39.22 42.90 328.23
3.28 39.61 42.90 288.61
 2.89 40.01 42.90 248.60
2.49 40.41 42.90 208.19
2.08 40.81 42.90 167.38
1.67 41.22 42.90 126.16
1.26 41.63 42.90 84.52
0.85 42.05 42.90 42.47
0.42 42.47 42.90 -

Saldo inicial interes abono cuota extra cuota saldo final

1,000.00 300.00 1,000.00
1,000.00 111.8 188.23 300.00 811.77
811.77 90.7 209.27 300.00 602.50
602.50 67.3 332.66 100.00 400.00 269.84
269.84 30.2 269.84 300.00 -0.00

saldo inicial interes abono cuota extra cuota saldo final

2000.00 2000.00
2000.00 40.00 2040.00
2040.00 40.80 2080.80
2080.80 41.62 2122.42
2122.42 42.45 196.25 238.70 1926.17
1926.17 38.52 200.17 238.70 1725.99
1725.99 34.52 204.18 238.70 1521.82
1521.82 30.44 208.26 238.70 1313.55
1313.55 26.27 212.43 238.70 1101.13
1101.13 22.02 216.67 238.70 884.45
884.45 17.69 421.01 200.00 438.70 463.45
463.45 9.27 229.43 238.70 234.02
234.02 4.68 234.02 238.70 0.00

intereses abono cuota extra cuota saldo final

1,000,000.00
10,000.00 70,478.83 80,478.83 929,521.17
9,295.21 71,183.62 80,478.83 858,337.55
8,583.38 71,895.46 80,478.83 786,442.09
7,864.42 72,614.41 80,478.83 713,827.68
 7,138.28 73,340.55 80,478.83 640,487.13
6,404.87 174,073.96 100,000.00 180,478.83 466,413.17
4,664.13 75,814.70 80,478.83 390,598.47
3,905.98 76,572.85 80,478.83 314,025.63
3,140.26 77,338.57 80,478.83 236,687.05
2,366.87 78,111.96 80,478.83 158,575.09
1,585.75 78,893.08 80,478.83 79,682.01
796.82 79,682.01 80,478.83 -

intereses abono cuota extra cuota saldo final

1000
111.76894674 188.2310533 300 811.76894674049
90.7305601738 209.2694398 300 602.49950691431
67.3407352995 332.6592647 100 400 269.84024221379
30.1597596604 269.8402403 300 1.874226825E-06

intereses abono cuota extra cuota saldo final

2,000.00
40.00 2,040.00
40.80 2,080.80
41.62 2,122.42
42.45 196.25 238.70 1,926.17
38.52 200.17 238.70 1,725.99
34.52 204.18 238.70 1,521.82
30.44 208.26 238.70 1,313.55
26.27 212.43 238.70 1,101.13
22.02 216.67 238.70 884.45
17.69 421.01 200.00 438.70 463.45
9.27 229.43 238.70 234.02
4.68 234.02 238.70 -

intereses abonos cuota extra cuota saldo final

2,000.00
40.00 2,040.00
40.80 2,080.80
41.62 2,122.42
42.45 196.25 238.70 1,926.17
38.52 200.17 238.70 1,725.99
34.52 204.18 238.70 1,521.82
30.44 208.26 238.70 1,313.55
26.27 212.43 238.70 1,101.13
 22.02 216.67 238.70 884.45
17.69 421.01 200.00 438.70 463.45
9.27 229.43 238.70 234.02
4.68 234.02 238.70 -

intereses abonos cuota extra cuota saldo final

1,000.00
111.77 188.23 300.00 811.77
90.73 209.27 300.00 602.50
67.34 332.66 100.00 400.00 269.84
30.16 269.84 300.00 0.00

intereses abonos cuota extra cuota saldo final

1,000,000.00
10,000.00 70,478.83 80,478.83 929,521.17
9,295.21 71,183.62 80,478.83 858,337.55
8,583.38 71,895.46 80,478.83 786,442.09
7,864.42 72,614.41 80,478.83 713,827.68
7,138.28 73,340.55 80,478.83 640,487.13
6,404.87 174,073.96 100,000.00 180,478.83 466,413.17
4,664.13 75,814.70 80,478.83 390,598.47
3,905.98 76,572.85 80,478.83 314,025.63
3,140.26 77,338.57 80,478.83 236,687.05
2,366.87 78,111.96 80,478.83 158,575.09
1,585.75 78,893.08 80,478.83 79,682.01
796.82 79,682.01 80,478.83 -0.00

intereses abonos cuota extra cuota saldo final

2,000.00
40.00 2,040.00
40.80 2,080.80
41.62 2,122.42
42.45 196.25 238.70 1,926.17
38.52 200.17 238.70 1,725.99
34.52 204.18 238.70 1,521.82
30.44 208.26 238.70 1,313.55
26.27 212.43 238.70 1,101.13
22.02 216.67 238.70 884.45
17.69 421.01 200.00 438.70 463.45
9.27 229.43 238.70 234.02
4.68 234.02 238.70 -
MA SENCILLO DE COMPRENDER! SIMPLEMENTE AL MES EN EL QUE SE HACE EL
ABONO PROGRAMADO SE LE AGREGA EL VALOR Y LUEGO SE CORRIGE
 TOCA HACER ANALISIS DE HIPOTESIS SOBRE LA TASA DE INTERES!

LEER BIEN EL PROBLEMA ANTES DE EMPEZAR A REALIZARLO, EN LOS

PRIMEROS CUATRO MESES EL SALDO FINAL ES EL INTERES+ EL SALDO INICIAL,
Y LUEGO DEL MES 4 EL SALDO FINAL ES EL SALDO INICIAL MENOS EL ABONO
P= 10,000,000.00
i= 1% periodo saldo inicial intereses
n= 24 0 10,000,000.00
Abono N.P 500,000.00 mes 15 1 10,000,000.00 100,000.00
2 9,629,265.28 96,292.65
3 9,254,823.21 92,548.23
4 8,876,636.72 88,766.37
5 8,494,668.36 84,946.68
6 8,108,880.32 81,088.80
7 7,719,234.41 77,192.34
8 7,325,692.03 73,256.92
9 6,928,214.23 69,282.14
10 6,526,761.65 65,267.62
11 6,121,294.54 61,212.95
12 5,711,772.76 57,117.73
13 5,298,155.77 52,981.56
14 4,880,402.60 48,804.03
0 15 4,458,471.91 44,584.72
EL PERIODO DONDE SE HACE 1 16 3,532,321.90 35,323.22
EL ABONO NO PROGRAMADO 2 17 3,155,280.58 31,552.81
SE VUELVE EL PERIODO 0 3 18 2,774,468.85 27,744.69
4 19 2,389,849.00 23,898.49
5 20 2,001,382.94 20,013.83
6 21 1,609,032.23 16,090.32
7 22 1,212,758.01 12,127.58
8 23 812,521.05 8,125.21
9 24 408,281.72 4,082.82

P= 2000 Periodo saldo inicial intereses abonos

i= 0.5% 0 2000
n= 12 1 2000 10 162.1328594
NP= 100 mes 6 2 1837.86714 9.189335702929 162.9435237
NP= 100 mes 9 3 1674.92362 8.374618084373 163.7582413
4 1511.16538 7.555826877724 164.5770325
5 1346.58834 6.732941715042 165.3999177
6 1181.18843 5.905942126546 266.2269173
7 914.961508 4.574807540108 150.5985063
8 764.363002 3.82181500856 151.3514988
9 613.011503 3.065057514354 252.1082563
10 360.903247 1.804516232677 119.7015768
11 241.20167 1.20600834877 120.3000847
12 120.901585 0.604507925443 120.9015851
abonos cuotas extras cuotas saldo final
10,000,000.00
370,734.72 470,734.72 9,629,265.28
LA CLAVE ES QUE EL ABONO NO PROGRAMADO VA E
374,442.07 470,734.72 9,254,823.21 PERIODO,LUEGO SE REORGANIZA, SE TIENE Q
378,186.49 470,734.72 8,876,636.72
381,968.36 470,734.72 8,494,668.36
385,788.04 470,734.72 8,108,880.32
389,645.92 470,734.72 7,719,234.41
AHÍ ESTA EL ABONO NO PROGRAMADO E
393,542.38 470,734.72 7,325,692.03 PERIODO!, SE VUELVE A INICIAR UN PR
397,477.80 470,734.72 6,928,214.23
401,452.58 470,734.72 6,526,761.65
405,467.11 470,734.72 6,121,294.54
409,521.78 470,734.72 5,711,772.76
413,616.99 470,734.72 5,298,155.77
417,753.16 470,734.72 4,880,402.60
421,930.70 470,734.72 4,458,471.91
926,150.00 470,734.72 3,532,321.90
377,041.32 412364.5408 3,155,280.58
380,811.73 412,364.54 2,774,468.85
384,619.85 412,364.54 2,389,849.00
388,466.05 412,364.54 2,001,382.94
392,350.71 412,364.54 1,609,032.23
396,274.22 412,364.54 1,212,758.01
400,236.96 412,364.54 812,521.05
404,239.33 412,364.54 408,281.72
408,281.72 412,364.54 -

cuotas saldo final

2000
172.1328594 1837.8671406
172.1328594 1674.9236169
172.1328594 1511.1653755 LA CLAVE ES HACER EL ABONO PROGRAMADO EN ABONO Y EL PERIODO SIGUIENTE
172.1328594 1346.588343 BORRAR TODO HASTA ABAJO Y HACER ASI CON TODOS LOS ABONOS NO
172.1328594 1181.1884253 PROGRAMADOS QUE EXISTAN EN EL PROBLEMA
172.1328594 914.96150802
155.1733138 764.36300171
155.1733138 613.01150287
155.1733138 360.90324654 SE VUELVE A INICIAR EL PRESTAMO DESPUES DE CADA ABONO NO
121.506093 241.20166975 PROGRAMADO POR QUE SE MODIFICA LA CELDA DE ABONOS
 SE VUELVE A INICIAR EL PRESTAMO DESPUES DE CADA ABONO NO
PROGRAMADO POR QUE SE MODIFICA LA CELDA DE ABONOS
121.506093 120.90158509
121.506093 0
O NO PROGRAMADO VA EN LA COLUMNA DE ABONOS,Y SOLO MODIFICA UN
E REORGANIZA, SE TIENE QUE HACER 2 VECES ANALISIS DE HIPOTESIS

ONO NO PROGRAMADO EN UN SOLO

E VUELVE A INICIAR UN PRESTAMO

EL PERIODO SIGUIENTE
S LOS ABONOS NO
BLEMA

S DE CADA ABONO NO
A CELDA DE ABONOS
 GRADIENTE PORCENTUAL CRECIENTE Y DECRECIENTE

PRESTAMO A 6 CUOTAS QUE CRECEN AL 1% Y EL INTERES ES DEL 2% MENSUAL Y

LAS SIGUIENTES 6 CUOTAS DECRECEN 1% Y LA TASA DE INTERES ES DE 1.5%
HALLAR EL VALOR DEL PRESTAMO

1= i= 2%
g%= 1% creciente

2= i= 1.50%
g%= 1% decreciente

primera cuota= 1,000,000.00

Periodo saldo inicial interes
0 10,876,260.65
1 10,876,260.65 217,525.21
2 10,093,785.86 201,875.72
3 9,285,661.58 185,713.23
4 8,451,274.81 169,025.50
5 7,589,999.31 151,799.99
6 6,701,195.28 134,023.91
i= 1.50% 7 5,784,209.14 86,763.14
8 4,830,472.33 72,457.08
9 3,872,834.46 58,092.52
10 2,911,132.98 43,666.99
11 1,945,203.91 29,178.06
12 974,881.87 14,623.23

P= 100,000,000.00
n= 180 Periodo saldo inicial interes
i= 0.93% 0 100,000,000.00
g= 1.50% 1 100,000,000.00 930,000.00
A= 319,851.45 2 100,605,350.77 935,629.76
3 101,211,461.57 941,266.59
 4 101,818,266.42 946,909.88
5 102,425,697.62 952,558.99
6 103,033,685.75 958,213.28
7 103,642,159.61 963,872.08
8 104,251,046.19 969,534.73
9 104,860,270.63 975,200.52
10 105,469,756.20 980,868.73
11 106,079,424.26 986,538.65
12 106,689,194.23 992,209.51
13 107,298,983.52 997,880.55
14 107,908,707.56 1,003,550.98
15 108,518,279.68 1,009,220.00
16 109,127,611.13 1,014,886.78
17 109,736,611.05 1,020,550.48
18 110,345,186.35 1,026,210.23
19 110,953,241.78 1,031,865.15
20 111,560,679.81 1,037,514.32
21 112,167,400.60 1,043,156.83
22 112,773,301.99 1,048,791.71
23 113,378,279.43 1,054,418.00
24 113,982,225.95 1,060,034.70
25 114,585,032.10 1,065,640.80
26 115,186,585.92 1,071,235.25
27 115,786,772.88 1,076,816.99
28 116,385,475.86 1,082,384.93
29 116,982,575.07 1,087,937.95
30 117,577,948.01 1,093,474.92
31 118,171,469.44 1,098,994.67
32 118,763,011.33 1,104,496.01
33 119,352,442.76 1,109,977.72
34 119,939,629.93 1,115,438.56
35 120,524,436.09 1,120,877.26
36 121,106,721.46 1,126,292.51
37 121,686,343.20 1,131,682.99
38 122,263,155.37 1,137,047.34
39 122,837,008.82 1,142,384.18
40 123,407,751.21 1,147,692.09
41 123,975,226.87 1,152,969.61
42 124,539,276.81 1,158,215.27
43 125,099,738.61 1,163,427.57
44 125,656,446.42 1,168,604.95
45 126,209,230.80 1,173,745.85
46 126,757,918.78 1,178,848.64
47 127,302,333.68 1,183,911.70
48 127,842,295.13 1,188,933.34
49 128,377,618.98 1,193,911.86
50 128,908,117.19 1,198,845.49
51 129,433,597.83 1,203,732.46
52 129,953,864.97 1,208,570.94
53 130,468,718.61 1,213,359.08
54 130,977,954.64 1,218,094.98
55 131,481,364.71 1,222,776.69
56 131,978,736.22 1,227,402.25
57 132,469,852.21 1,231,969.63
58 132,954,491.28 1,236,476.77
59 133,432,427.54 1,240,921.58
60 133,903,430.50 1,245,301.90
61 134,367,265.01 1,249,615.56
62 134,823,691.17 1,253,860.33
63 135,272,464.25 1,258,033.92
64 135,713,334.61 1,262,134.01
65 136,146,047.61 1,266,158.24
66 136,570,343.52 1,270,104.19
67 136,985,957.46 1,273,969.40
68 137,392,619.25 1,277,751.36
69 137,790,053.38 1,281,447.50
70 138,177,978.89 1,285,055.20
71 138,556,109.27 1,288,571.82
72 138,924,152.40 1,291,994.62
73 139,281,810.40 1,295,320.84
74 139,628,779.56 1,298,547.65
75 139,964,750.27 1,301,672.18
76 140,289,406.85 1,304,691.48
77 140,602,427.50 1,307,602.58
78 140,903,484.18 1,310,402.40
79 141,192,242.50 1,313,087.86
80 141,468,361.61 1,315,655.76
81 141,731,494.10 1,318,102.90
82 141,981,285.87 1,320,425.96
83 142,217,376.04 1,322,621.60
84 142,439,396.81 1,324,686.39
85 142,646,973.36 1,326,616.85
86 142,839,723.72 1,328,409.43
87 143,017,258.66 1,330,060.51
88 143,179,181.57 1,331,566.39
89 143,325,088.29 1,332,923.32
 90 143,454,567.05 1,334,127.47
91 143,567,198.29 1,335,174.94
92 143,662,554.56 1,336,061.76
93 143,740,200.36 1,336,783.86
94 143,799,692.03 1,337,337.14
95 143,840,577.59 1,337,717.37
96 143,862,396.61 1,337,920.29
97 143,864,680.08 1,337,941.52
98 143,846,950.22 1,337,776.64
99 143,808,720.41 1,337,421.10
100 143,749,494.97 1,336,870.30
101 143,668,769.03 1,336,119.55
102 143,566,028.39 1,335,164.06
103 143,440,749.37 1,333,998.97
104 143,292,398.60 1,332,619.31
105 143,120,432.92 1,331,020.03
106 142,924,299.19 1,329,195.98
107 142,703,434.11 1,327,141.94
108 142,457,264.07 1,324,852.56
109 142,185,204.97 1,322,322.41
110 141,886,662.04 1,319,545.96
111 141,561,029.68 1,316,517.58
112 141,207,691.27 1,313,231.53
113 140,826,018.97 1,309,681.98
114 140,415,373.56 1,305,862.97
115 139,975,104.24 1,301,768.47
116 139,504,548.43 1,297,392.30
117 139,003,031.59 1,292,728.19
118 138,469,867.00 1,287,769.76
119 137,904,355.59 1,282,510.51
120 137,305,785.70 1,276,943.81
121 136,673,432.91 1,271,062.93
122 136,006,559.79 1,264,861.01
123 135,304,415.71 1,258,331.07
124 134,566,236.61 1,251,466.00
125 133,791,244.80 1,244,258.58
126 132,978,648.69 1,236,701.43
127 132,127,642.62 1,228,787.08
128 131,237,406.58 1,220,507.88
129 130,307,106.00 1,211,856.09
130 129,335,891.49 1,202,823.79
131 128,322,898.64 1,193,402.96
132 127,267,247.70 1,183,585.40
133 126,168,043.39 1,173,362.80
134 125,024,374.64 1,162,726.68
135 123,835,314.30 1,151,668.42
136 122,599,918.89 1,140,179.25
137 121,317,228.35 1,128,250.22
138 119,986,265.74 1,115,872.27
139 118,606,036.98 1,103,036.14
140 117,175,530.58 1,089,732.43
141 115,693,717.34 1,075,951.57
142 114,159,550.04 1,061,683.82
143 112,571,963.21 1,046,919.26
144 110,929,872.76 1,031,647.82
145 109,232,175.72 1,015,859.23
146 107,477,749.93 999,543.07
147 105,665,453.70 982,688.72
148 103,794,125.52 965,285.37
149 101,862,583.74 947,322.03
150 99,869,626.22 928,787.52
151 97,814,030.00 909,670.48
152 95,694,550.97 889,959.32
153 93,509,923.55 869,642.29
154 91,258,860.29 848,707.40
155 88,940,051.57 827,142.48
156 86,552,165.17 804,935.14
157 84,093,846.00 782,072.77
158 81,563,715.65 758,542.56
159 78,960,372.04 734,331.46
160 76,282,389.04 709,426.22
161 73,528,316.09 683,813.34
162 70,696,677.76 657,479.10
163 67,785,973.43 630,409.55
164 64,794,676.79 602,590.49
165 61,721,235.50 574,007.49
166 58,564,070.73 544,645.86
167 55,321,576.75 514,490.66
168 51,992,120.47 483,526.72
169 48,574,041.05 451,738.58
170 45,065,649.39 419,110.54
171 41,465,227.74 385,626.62
172 37,771,029.19 351,270.57
173 33,981,277.21 316,025.88
174 30,094,165.19 279,875.74
175 26,107,855.97 242,803.06
176 22,020,481.30 204,790.48
177 17,830,141.38 165,820.31
178 13,534,904.34 125,874.61
179 9,132,805.74 84,935.09
180 4,621,848.02 42,983.19
abono cuota saldo final
10,876,260.65 GRADIENTE PORCENTUAL CRECIENTE = LA CUO
782,474.79 1,000,000.00 10,093,785.86
808,124.28 1,010,000.00 9,285,661.58
834,386.77 1,020,100.00 8,451,274.81 GRADIENTE PORCENTUAL DECRECIENTE= LA CU
861,275.50 1,030,301.00 7,589,999.31
888,804.02 1,040,604.01 6,701,195.28
916,986.14 1,051,010.05 5,784,209.14
953,736.81 1,040,499.95 4,830,472.33
957,637.87 1,030,094.95 3,872,834.46
961,701.48 1,019,794.00 2,911,132.98
965,929.07 1,009,596.06 1,945,203.91
970,322.04 999,500.10 974,881.87
974,881.87 989,505.10 -

abono cuota saldo final

100,000,000.00
-605,350.77 324,649.23 100,605,350.77
-606,110.80 329,518.96 101,211,461.57
-606,804.84 334,461.75 101,818,266.42
-607,431.20 339,478.67 102,425,697.62
-607,988.13 344,570.85 103,033,685.75
-608,473.86 349,739.42 103,642,159.61 PARA ENCONTRAR LA ANUALIDAD,PONGO UN DATO CUALQUI
-608,886.58 354,985.51 104,251,046.19 LO COMBINO CON LA GRADIENTE EN LA PRIMERA CUOTA Y E
-609,224.44 360,310.29 104,860,270.63 IGUAL PERO CON LA CUOTA NUMERO 1 PARA REPLICARLO HAS
-609,485.57 365,714.95 105,469,756.20 POR ANALISIS DE DATOS ENCUENTRO LA PRIMERA ANUALIDAD
-609,668.06 371,200.67 106,079,424.26
-609,769.97 376,768.68 106,689,194.23
-609,789.30 382,420.21 107,298,983.52
-609,724.03 388,156.51 107,908,707.56 LA CLAVE ESTA EN LAS PRIMERAS 2 CUO
-609,572.12 393,978.86 108,518,279.68
-609,331.46 399,888.54 109,127,611.13
-608,999.91 405,886.87 109,736,611.05
-608,575.31 411,975.18 110,345,186.35
-608,055.43 418,154.80 110,953,241.78
-607,438.02 424,427.12 111,560,679.81
-606,720.79 430,793.53 112,167,400.60
-605,901.39 437,255.43 112,773,301.99
-604,977.44 443,814.27 113,378,279.43
-603,946.52 450,471.48 113,982,225.95
-602,806.15 457,228.55 114,585,032.10
-601,553.82 464,086.98 115,186,585.92
-600,186.96 471,048.29 115,786,772.88
-598,702.98 478,114.01 116,385,475.86
-597,099.21 485,285.72 116,982,575.07
-595,372.94 492,565.01 117,577,948.01
-593,521.44 499,953.48 118,171,469.44
-591,541.88 507,452.78 118,763,011.33
-589,431.43 515,064.57 119,352,442.76
-587,187.17 522,790.54 119,939,629.93
-584,806.16 530,632.40 120,524,436.09
-582,285.37 538,591.89 121,106,721.46
-579,621.74 546,670.77 121,686,343.20
-576,812.16 554,870.83 122,263,155.37
-573,853.46 563,193.89 122,837,008.82
-570,742.38 571,641.80 123,407,751.21
-567,475.66 580,216.42 123,975,226.87
-564,049.94 588,919.67 124,539,276.81
-560,461.81 597,753.47 125,099,738.61
-556,707.80 606,719.77 125,656,446.42
-552,784.39 615,820.56 126,209,230.80
-548,687.97 625,057.87 126,757,918.78
-544,414.90 634,433.74 127,302,333.68
-539,961.46 643,950.25 127,842,295.13
-535,323.84 653,609.50 128,377,618.98
-530,498.21 663,413.64 128,908,117.19
-525,480.64 673,364.85 129,433,597.83
-520,267.14 683,465.32 129,953,864.97
-514,853.64 693,717.30 130,468,718.61
-509,236.02 704,123.06 130,977,954.64
-503,410.07 714,684.91 131,481,364.71
-497,371.51 725,405.18 131,978,736.22
-491,115.99 736,286.26 132,469,852.21
-484,639.07 747,330.55 132,954,491.28
-477,936.26 758,540.51 133,432,427.54
-471,002.96 769,918.62 133,903,430.50
-463,834.51 781,467.40 134,367,265.01
-456,426.16 793,189.41 134,823,691.17
-448,773.08 805,087.25 135,272,464.25
-440,870.36 817,163.56 135,713,334.61
-432,713.00 829,421.01 136,146,047.61
-424,295.92 841,862.33 136,570,343.52
-415,613.93 854,490.26 136,985,957.46
-406,661.79 867,307.61 137,392,619.25
-397,434.13 880,317.23 137,790,053.38
-387,925.51 893,521.99 138,177,978.89
-378,130.39 906,924.82 138,556,109.27
-368,043.13 920,528.69 138,924,152.40
-357,658.00 934,336.62 139,281,810.40
-346,969.17 948,351.67 139,628,779.56
-335,970.71 962,576.94 139,964,750.27
-324,656.58 977,015.60 140,289,406.85
-313,020.65 991,670.83 140,602,427.50
-301,056.68 1,006,545.89 140,903,484.18
-288,758.32 1,021,644.08 141,192,242.50
-276,119.11 1,036,968.74 141,468,361.61
-263,132.49 1,052,523.28 141,731,494.10
-249,791.77 1,068,311.12 141,981,285.87
-236,090.17 1,084,335.79 142,217,376.04
-222,020.77 1,100,600.83 142,439,396.81
-207,576.55 1,117,109.84 142,646,973.36
-192,750.36 1,133,866.49 142,839,723.72
-177,534.94 1,150,874.49 143,017,258.66
-161,922.90 1,168,137.60 143,179,181.57
-145,906.72 1,185,659.67 143,325,088.29
-129,478.76 1,203,444.56 143,454,567.05
 -112,631.24 1,221,496.23 143,567,198.29
-95,356.27 1,239,818.67 143,662,554.56
-77,645.80 1,258,415.95 143,740,200.36
-59,491.67 1,277,292.19 143,799,692.03
-40,885.56 1,296,451.58 143,840,577.59
-21,819.02 1,315,898.35 143,862,396.61
-2,283.46 1,335,636.83 143,864,680.08
17,729.85 1,355,671.38 143,846,950.22
38,229.81 1,376,006.45 143,808,720.41
59,225.45 1,396,646.55 143,749,494.97
80,725.94 1,417,596.24 143,668,769.03
102,740.63 1,438,860.19 143,566,028.39
125,279.03 1,460,443.09 143,440,749.37
148,350.77 1,482,349.74 143,292,398.60
171,965.68 1,504,584.98 143,120,432.92
196,133.73 1,527,153.76 142,924,299.19
220,865.08 1,550,061.06 142,703,434.11
246,170.04 1,573,311.98 142,457,264.07
272,059.10 1,596,911.66 142,185,204.97
298,542.93 1,620,865.33 141,886,662.04
325,632.36 1,645,178.31 141,561,029.68
353,338.41 1,669,855.99 141,207,691.27
381,672.30 1,694,903.83 140,826,018.97
410,645.41 1,720,327.39 140,415,373.56
440,269.32 1,746,132.30 139,975,104.24
470,555.81 1,772,324.28 139,504,548.43
501,516.84 1,798,909.15 139,003,031.59
533,164.59 1,825,892.78 138,469,867.00
565,511.41 1,853,281.17 137,904,355.59
598,569.88 1,881,080.39 137,305,785.70
632,352.79 1,909,296.60 136,673,432.91
666,873.12 1,937,936.05 136,006,559.79
702,144.08 1,967,005.09 135,304,415.71
738,179.10 1,996,510.16 134,566,236.61
774,991.82 2,026,457.82 133,791,244.80
812,596.11 2,056,854.68 132,978,648.69
851,006.07 2,087,707.50 132,127,642.62
890,236.04 2,119,023.12 131,237,406.58
930,300.58 2,150,808.46 130,307,106.00
971,214.50 2,183,070.59 129,335,891.49
1,012,992.86 2,215,816.65 128,322,898.64
1,055,650.94 2,249,053.90 127,267,247.70
1,099,204.30 2,282,789.71 126,168,043.39
1,143,668.75 2,317,031.55 125,024,374.64
1,189,060.34 2,351,787.03 123,835,314.30
1,235,395.41 2,387,063.83 122,599,918.89
1,282,690.54 2,422,869.79 121,317,228.35
1,330,962.61 2,459,212.84 119,986,265.74
1,380,228.76 2,496,101.03 118,606,036.98
1,430,506.40 2,533,542.54 117,175,530.58
1,481,813.25 2,571,545.68 115,693,717.34
1,534,167.30 2,610,118.87 114,159,550.04
1,587,586.83 2,649,270.65 112,571,963.21
1,642,090.45 2,689,009.71 110,929,872.76
1,697,697.04 2,729,344.85 109,232,175.72
1,754,425.79 2,770,285.03 107,477,749.93
1,812,296.23 2,811,839.30 105,665,453.70
1,871,328.17 2,854,016.89 103,794,125.52
1,931,541.78 2,896,827.15 101,862,583.74
1,992,957.52 2,940,279.55 99,869,626.22
2,055,596.22 2,984,383.75 97,814,030.00
2,119,479.02 3,029,149.50 95,694,550.97
2,184,627.42 3,074,586.75 93,509,923.55
2,251,063.26 3,120,705.55 91,258,860.29
2,318,808.73 3,167,516.13 88,940,051.57
2,387,886.39 3,215,028.87 86,552,165.17
2,458,319.17 3,263,254.30 84,093,846.00
2,530,130.35 3,312,203.12 81,563,715.65
2,603,343.61 3,361,886.17 78,960,372.04
2,677,983.00 3,412,314.46 76,282,389.04
2,754,072.96 3,463,499.18 73,528,316.09
2,831,638.32 3,515,451.66 70,696,677.76
2,910,704.33 3,568,183.44 67,785,973.43
2,991,296.64 3,621,706.19 64,794,676.79
3,073,441.29 3,676,031.78 61,721,235.50
3,157,164.77 3,731,172.26 58,564,070.73
3,242,493.99 3,787,139.84 55,321,576.75
3,329,456.28 3,843,946.94 51,992,120.47
3,418,079.42 3,901,606.14 48,574,041.05
3,508,391.66 3,960,130.24 45,065,649.39
3,600,421.65 4,019,532.19 41,465,227.74
3,694,198.56 4,079,825.17 37,771,029.19
3,789,751.98 4,141,022.55 33,981,277.21
3,887,112.01 4,203,137.89 30,094,165.19
3,986,309.22 4,266,184.96 26,107,855.97
4,087,374.67 4,330,177.73 22,020,481.30
4,190,339.92 4,395,130.40 17,830,141.38
4,295,237.04 4,461,057.35 13,534,904.34
4,402,098.60 4,527,973.21 9,132,805.74
4,510,957.72 4,595,892.81 4,621,848.02
4,621,848.02 4,664,831.20 0.00
E PORCENTUAL CRECIENTE = LA CUOTA *(1+GRADIENTE FIJA)

PORCENTUAL DECRECIENTE= LA CUOTA*(1-GRADIENTE FIJA)

 ALIDAD,PONGO UN DATO CUALQUIERA COMO SI LO TUVIERA Y
ADIENTE EN LA PRIMERA CUOTA Y EN LA SEGUNDA LO HAGO
A NUMERO 1 PARA REPLICARLO HASTA EL PERIODO 180, LUEGO
NCUENTRO LA PRIMERA ANUALIDAD Y RESUELVO EL PROBLEMA

CLAVE ESTA EN LAS PRIMERAS 2 CUOTAS

p= 200 periodo saldo inicial
i1año= 2% 0 200.00
i2año= 1% 2% 1 200.00
g= 10 2% 2 166.69
esquema de pago? 1% 3 122.72
A NP semestre3= 10 1% 4 56.64

P= 90,000,000.00 Periodo Saldo I. Interes

n= 180 0 90,000,000.00
g= 4000 1 90,000,000.00 825,000.000
i= 11% anual 2 90,065,681.17 825,602.077
3 90,127,964.41 826,173.007
0.917% 4 90,186,818.58 826,712.504
5 90,242,212.25 827,220.279
6 90,294,113.70 827,696.042
7 90,342,490.91 828,139.500
8 90,387,311.58 828,550.356
9 90,428,543.10 828,928.312
10 90,466,152.58 829,273.065
11 90,500,106.81 829,584.312
12 90,530,372.29 829,861.746
13 90,556,915.20 830,105.056
14 90,579,701.42 830,313.930
15 90,598,696.52 830,488.051
16 90,613,865.74 830,627.103
17 90,625,174.01 830,730.762
18 90,632,585.94 830,798.704
19 90,636,065.81 830,830.603
20 90,635,577.58 830,826.128
21 90,631,084.87 830,784.945
22 90,622,550.98 830,706.717
23 90,609,938.87 830,591.106
24 90,593,211.14 830,437.769
25 90,572,330.07 830,246.359
26 90,547,257.60 830,016.528
27 90,517,955.30 829,747.924
28 90,484,384.39 829,440.190
29 90,446,505.74 829,092.969
30 90,404,279.88 828,705.899
31 90,357,666.94 828,278.614
32 90,306,626.72 827,810.745
33 90,251,118.64 827,301.921
34 90,191,101.72 826,751.766
35 90,126,534.66 826,159.901
36 90,057,375.72 825,525.944
37 89,983,582.83 824,849.509
38 89,905,113.51 824,130.207
39 89,821,924.88 823,367.645
40 89,733,973.70 822,561.426
41 89,641,216.29 821,711.149
42 89,543,608.60 820,816.412
43 89,441,106.18 819,876.807
44 89,333,664.16 818,891.921
45 89,221,237.24 817,861.341
46 89,103,779.75 816,784.648
47 88,981,245.57 815,661.418
48 88,853,588.15 814,491.225
49 88,720,760.54 813,273.638
50 88,582,715.35 812,008.224
51 88,439,404.74 810,694.543
52 88,290,780.45 809,332.154
53 88,136,793.77 807,920.610
54 87,977,395.54 806,459.459
55 87,812,536.17 804,948.248
56 87,642,165.59 803,386.518
57 87,466,233.27 801,773.805
58 87,284,688.24 800,109.642
59 87,097,479.05 798,393.558
60 86,904,553.78 796,625.076
61 86,705,860.02 794,803.717
62 86,501,344.90 792,928.995
63 86,290,955.06 791,000.421
64 86,074,636.65 789,017.503
65 85,852,335.32 786,979.740
66 85,623,996.23 784,886.632
67 85,389,564.03 782,737.670
68 85,148,982.86 780,532.343
69 84,902,196.37 778,270.133
70 84,649,147.67 775,950.520
71 84,389,779.36 773,572.977
72 84,124,033.50 771,136.974
73 83,851,851.64 768,641.973
74 83,573,174.78 766,087.436
 75 83,287,943.39 763,472.814
76 82,996,097.37 760,797.559
77 82,697,576.09 758,061.114
78 82,392,318.37 755,262.918
79 82,080,262.46 752,402.406
80 81,761,346.03 749,479.005
81 81,435,506.20 746,492.140
82 81,102,679.51 743,441.229
83 80,762,801.91 740,325.684
84 80,415,808.76 737,144.914
85 80,061,634.84 733,898.319
86 79,700,214.32 730,585.298
87 79,331,480.79 727,205.241
88 78,955,367.20 723,757.533
89 78,571,805.90 720,241.554
90 78,180,728.62 716,656.679
91 77,782,066.46 713,002.276
92 77,375,749.90 709,277.707
93 76,961,708.78 705,482.330
94 76,539,872.28 701,615.496
95 76,110,168.94 697,676.549
96 75,672,526.65 693,664.828
97 75,226,872.65 689,579.666
98 74,773,133.48 685,420.390
99 74,311,235.04 681,186.321
100 73,841,102.52 676,876.773
101 73,362,660.46 672,491.054
102 72,875,832.69 668,028.466
103 72,380,542.32 663,488.305
104 71,876,711.79 658,869.858
105 71,364,262.81 654,172.409
106 70,843,116.39 649,395.234
107 70,313,192.79 644,537.601
108 69,774,411.56 639,598.773
109 69,226,691.50 634,578.005
110 68,669,950.67 629,474.548
111 68,104,106.38 624,287.642
112 67,529,075.19 619,016.523
113 66,944,772.88 613,660.418
114 66,351,114.47 608,218.549
115 65,748,014.18 602,690.130
116 65,135,385.48 597,074.367
117 64,513,141.01 591,370.459
118 63,881,192.64 585,577.599
119 63,239,451.40 579,694.971
120 62,587,827.54 573,721.752
121 61,926,230.46 567,657.113
122 61,254,568.74 561,500.213
123 60,572,750.12 555,250.209
124 59,880,681.50 548,906.247
125 59,178,268.91 542,467.465
126 58,465,417.54 535,932.994
127 57,742,031.70 529,301.957
128 57,008,014.83 522,573.469
129 56,263,269.46 515,746.637
130 55,507,697.27 508,820.558
131 54,741,198.99 501,794.324
132 53,963,674.48 494,667.016
133 53,175,022.66 487,437.708
134 52,375,141.54 480,105.464
135 51,563,928.17 472,669.342
136 50,741,278.68 465,128.388
137 49,907,088.23 457,481.642
138 49,061,251.04 449,728.135
139 48,203,660.34 441,866.886
140 47,334,208.40 433,896.910
141 46,452,786.47 425,817.209
142 45,559,284.85 417,626.778
143 44,653,592.79 409,324.601
144 43,735,598.56 400,909.653
145 42,805,189.38 392,380.903
146 41,862,251.45 383,737.305
147 40,906,669.92 374,977.808
148 39,938,328.90 366,101.348
149 38,957,111.41 357,106.855
150 37,962,899.43 347,993.245
151 36,955,573.84 338,759.427
152 35,935,014.44 329,404.299
153 34,901,099.90 319,926.749
154 33,853,707.82 310,325.655
155 32,792,714.64 300,599.884
156 31,717,995.69 290,748.294
157 30,629,425.15 280,769.731
158 29,526,876.05 270,663.030
159 28,410,220.25 260,427.019
160 27,279,328.43 250,060.511
161 26,134,070.11 239,562.309
162 24,974,313.58 228,931.208
163 23,799,925.96 218,165.988
164 22,610,773.11 207,265.420
165 21,406,719.70 196,228.264
166 20,187,629.13 185,053.267
167 18,953,363.56 173,739.166
168 17,703,783.90 162,284.686
169 16,438,749.75 150,688.539
170 15,158,119.46 138,949.428
171 13,861,750.05 127,066.042
172 12,549,497.26 115,037.058
173 11,221,215.48 102,861.142
174 9,876,757.79 90,536.946
175 8,515,975.91 78,063.112
176 7,138,720.19 65,438.268
177 5,744,839.62 52,661.030
178 4,334,181.82 39,730.000
179 2,906,592.98 26,643.769
180 1,461,917.92 13,400.914
interes abono A.N cuota saldo final
200.00
4 33.3068671 37.3068671 166.69 GRADIENTE ARITM
3.33386265717 43.9730045 47.3068671 122.72
1.227201283741 66.0796659 10 67.3068671 56.64
0.566404625164 56.64 57.21 -

Abono Cuota Saldo F.

90,000,000.00
-65,681.167 759318.833 90,065,681.167
-62,283.244 763318.833 90,127,964.411
-58,854.174 767318.833 90,186,818.584
-55,393.670 771318.833 90,242,212.255
-51,901.446 775318.833 90,294,113.700
-48,377.209 779318.833 90,342,490.909
-44,820.667 783318.833 90,387,311.576
-41,231.523 787318.833 90,428,543.099
-37,609.478 791318.833 90,466,152.577
-33,954.232 795318.833 90,500,106.809
-30,265.479 799318.833 90,530,372.288
-26,542.913 803318.833 90,556,915.201
-22,786.223 807318.833 90,579,701.424
-18,995.096 811318.833 90,598,696.520
-15,169.218 815318.833 90,613,865.738
-11,308.269 819318.833 90,625,174.007
-7,411.928 823318.833 90,632,585.936
-3,479.871 827318.833 90,636,065.807
488.230 831318.833 90,635,577.577
4,492.706 835318.833 90,631,084.871
8,533.889 839318.833 90,622,550.983
12,612.116 843318.833 90,609,938.867
16,727.727 847318.833 90,593,211.139
20,881.065 851318.833 90,572,330.075
25,072.474 855318.833 90,547,257.601
29,302.305 859318.833 90,517,955.295
33,570.910 863318.833 90,484,384.385
37,878.643 867318.833 90,446,505.742
42,225.864 871318.833 90,404,279.878
46,612.934 875318.833 90,357,666.944
51,040.220 879318.833 90,306,626.724
 55,508.088 883318.833 90,251,118.636
60,016.913 887318.833 90,191,101.723
64,567.068 891318.833 90,126,534.656
69,158.932 895318.833 90,057,375.723 Cuota
73,792.889 899318.833 89,983,582.834 1,127,993.93
78,469.324 903318.833 89,905,113.510
83,188.626 907318.833 89,821,924.884
87,951.189 911318.833 89,733,973.696
92,757.408 915318.833 89,641,216.288
97,607.684 919318.833 89,543,608.604
102,502.421 923318.833 89,441,106.183
107,442.027 927318.833 89,333,664.156
112,426.912 931318.833 89,221,237.244
117,457.492 935318.833 89,103,779.752
122,534.186 939318.833 88,981,245.566
127,657.416 943318.833 88,853,588.151
132,827.609 947318.833 88,720,760.542
138,045.195 951318.833 88,582,715.347
143,310.609 955318.833 88,439,404.738
148,624.290 959318.833 88,290,780.448
153,986.679 963318.833 88,136,793.769
159,398.224 967318.833 87,977,395.545
164,859.374 971318.833 87,812,536.171
170,370.585 975318.833 87,642,165.586
175,932.315 979318.833 87,466,233.270
181,545.028 983318.833 87,284,688.242
187,209.191 987318.833 87,097,479.051
192,925.275 991318.833 86,904,553.775
198,693.757 995318.833 86,705,860.018
204,515.116 999318.833 86,501,344.902
210,389.838 1003318.83 86,290,955.063
216,318.412 1007318.83 86,074,636.651
222,301.331 1011318.83 85,852,335.321
228,339.093 1015318.83 85,623,996.228
234,432.201 1019318.83 85,389,564.027
240,581.163 1023318.83 85,148,982.864
246,786.490 1027318.83 84,902,196.373
253,048.700 1031318.83 84,649,147.673
259,368.313 1035318.83 84,389,779.360
265,745.856 1039318.83 84,124,033.504
272,181.860 1043318.83 83,851,851.645
278,676.860 1047318.83 83,573,174.785
285,231.398 1051318.83 83,287,943.387
291,846.019 1055318.83 82,996,097.368
298,521.274 1059318.83 82,697,576.094
305,257.719 1063318.83 82,392,318.375
312,055.915 1067318.83 82,080,262.460
318,916.427 1071318.83 81,761,346.033
325,839.828 1075318.83 81,435,506.204
332,826.693 1079318.83 81,102,679.511
339,877.604 1083318.83 80,762,801.907
346,993.149 1087318.83 80,415,808.758
354,173.920 1091318.83 80,061,634.838
361,420.514 1095318.83 79,700,214.324
368,733.535 1099318.83 79,331,480.789
376,113.593 1103318.83 78,955,367.196
383,561.301 1107318.83 78,571,805.895
391,077.279 1111318.83 78,180,728.616
398,662.154 1115318.83 77,782,066.461
406,316.557 1119318.83 77,375,749.904
414,041.126 1123318.83 76,961,708.778
421,836.503 1127318.83 76,539,872.275
429,703.337 1131318.83 76,110,168.938
437,642.285 1135318.83 75,672,526.653
445,654.006 1139318.83 75,226,872.647
453,739.167 1143318.83 74,773,133.480
461,898.443 1147318.83 74,311,235.037
470,132.512 1151318.83 73,841,102.525
478,442.060 1155318.83 73,362,660.465
486,827.779 1159318.83 72,875,832.685
495,290.367 1163318.83 72,380,542.318
503,830.529 1167318.83 71,876,711.790
512,448.975 1171318.83 71,364,262.814
521,146.424 1175318.83 70,843,116.390
529,923.600 1179318.83 70,313,192.790
538,781.233 1183318.83 69,774,411.558
547,720.061 1187318.83 69,226,691.497
556,740.828 1191318.83 68,669,950.669
565,844.286 1195318.83 68,104,106.384
575,031.191 1199318.83 67,529,075.192
584,302.311 1203318.83 66,944,772.881
593,658.415 1207318.83 66,351,114.466
603,100.284 1211318.83 65,748,014.182
612,628.703 1215318.83 65,135,385.479
622,244.466 1219318.83 64,513,141.012
631,948.374 1223318.83 63,881,192.638
 641,741.234 1227318.83 63,239,451.404
651,623.862 1231318.83 62,587,827.542
661,597.081 1235318.83 61,926,230.461
671,661.721 1239318.83 61,254,568.740
681,818.620 1243318.83 60,572,750.120
692,068.624 1247318.83 59,880,681.496
702,412.586 1251318.83 59,178,268.910
712,851.368 1255318.83 58,465,417.542
723,385.839 1259318.83 57,742,031.703
734,016.876 1263318.83 57,008,014.827
744,745.364 1267318.83 56,263,269.462
755,572.197 1271318.83 55,507,697.266
766,498.275 1275318.83 54,741,198.991
777,524.509 1279318.83 53,963,674.482
788,651.817 1283318.83 53,175,022.664
799,881.126 1287318.83 52,375,141.539
811,213.369 1291318.83 51,563,928.170
822,649.492 1295318.83 50,741,278.678
834,190.445 1299318.83 49,907,088.232
845,837.191 1303318.83 49,061,251.041
857,590.699 1307318.83 48,203,660.342
869,451.947 1311318.83 47,334,208.395
881,421.923 1315318.83 46,452,786.472
893,501.624 1319318.83 45,559,284.848
905,692.056 1323318.83 44,653,592.793
917,994.233 1327318.83 43,735,598.560
930,409.180 1331318.83 42,805,189.380
942,937.931 1335318.83 41,862,251.450
955,581.528 1339318.83 40,906,669.921
968,341.026 1343318.83 39,938,328.895
981,217.485 1347318.83 38,957,111.410
994,211.979 1351318.83 37,962,899.432
1,007,325.589 1355318.83 36,955,573.843
1,020,559.406 1359318.83 35,935,014.437
1,033,914.534 1363318.83 34,901,099.902
1,047,392.084 1367318.83 33,853,707.818
1,060,993.178 1371318.83 32,792,714.640
1,074,718.949 1375318.83 31,717,995.691
1,088,570.540 1379318.83 30,629,425.151
1,102,549.103 1383318.83 29,526,876.048
1,116,655.803 1387318.83 28,410,220.245
1,130,891.814 1391318.83 27,279,328.431
1,145,258.323 1395318.83 26,134,070.108
1,159,756.524 1399318.83 24,974,313.584
1,174,387.625 1403318.83 23,799,925.959
1,189,152.845 1407318.83 22,610,773.113
1,204,053.413 1411318.83 21,406,719.700
1,219,090.569 1415318.83 20,187,629.131
1,234,265.566 1419318.83 18,953,363.565
1,249,579.667 1423318.83 17,703,783.897
1,265,034.148 1427318.83 16,438,749.750
1,280,630.294 1431318.83 15,158,119.456
1,296,369.405 1435318.83 13,861,750.051
1,312,252.791 1439318.83 12,549,497.259
1,328,281.775 1443318.83 11,221,215.484
1,344,457.691 1447318.83 9,876,757.793
1,360,781.887 1451318.83 8,515,975.906
1,377,255.721 1455318.83 7,138,720.185
1,393,880.565 1459318.83 5,744,839.620
1,410,657.803 1463318.83 4,334,181.817
1,427,588.833 1467318.83 2,906,592.983
1,444,675.064 1471318.83 1,461,917.919
1,461,917.919 1475318.83 0.000
GRADIENTE ARITMETICA CON 2 TASAS DE INTERES
Usted planea depositar $1.000.000 hoy en una entidad financiera, y hacer un ahorro semestral (fin de semestre) d
en 10% cada semestre. La entidad donde realiza el ahorro le reconoce un interes del 1,8% semestral para el primer
año

i 1= 1.8%
i 2= 2%
g%c= 10%
P= 1,000,000.00
A= 100.00
periodo Fondo interes deposito
0 1,000,000.00
1.8% 1 1,000,000.00 18,000.00 1,100,000.00
2 2,118,000.00 38,124.00 1,210,000.00
2% 3 3,366,124.00 67,322.48 1,331,000.00
4 4,764,446.48 95,288.93 1,464,100.00

P= 15000000
A1= 250000 Periodo saldo inicial
g= 9% 0 15,000,000.00
AP= 300000 1 15,000,000.00
AP= 300000 2 15,020,000.00
i= 1.8% mensual 3 15,017,689.64
n= 24 meses 4 14,990,611.54
5 14,936,077.69
6 14,851,148.36
7 14,732,609.13
8 14,576,945.85
9 14,380,317.32
10 14,138,525.47
11 13,846,982.81
12 13,500,677.05
13 12,794,132.30
14 12,315,966.98
15 11,764,950.54
16 11,133,945.88
17 10,415,159.20
 18 9,600,080.16
19 8,679,416.84
20 7,643,024.61
21 6,479,828.64
22 5,177,739.40
23 3,723,560.39
24 2,102,887.65

F= 5,000,000.00

I= 0.70% 9 meses Bs.4,695,747.86

i= 1.50% trimestral
i= 0.50% 2 bimestral

n= 12

P= 20,000,000.00 periodo saldo inicial

i= 0.80% 0 20,000,000.00
n= 60 1 20,000,000.00
g= 1% 2 19,879,258.92
AP= 600,000.00 Anuales 3 19,754,744.50
4 19,626,398.48
5 19,494,161.86
6 19,357,974.86
7 19,217,776.96
8 19,073,506.86
9 18,925,102.48
10 18,772,500.94
11 18,615,638.57
12 18,454,450.87
13 17,688,872.54
14 17,514,037.44
15 17,334,640.21
16 17,150,612.70
17 16,961,885.92
18 16,768,390.02
19 16,570,054.23
20 16,366,806.93
21 16,158,575.58
 22 15,945,286.71
23 15,726,865.96
24 15,503,238.02
25 14,674,326.62
26 14,435,254.56
27 14,190,705.25
28 13,940,599.24
29 13,684,856.06
30 13,423,394.25
31 13,156,131.35
32 12,882,983.84
33 12,603,867.19
34 12,318,695.79
35 12,027,383.01
36 11,729,841.09
37 10,825,981.24
38 10,510,913.51
39 10,189,308.49
40 9,861,073.71
41 9,526,115.56
42 9,184,339.27
43 8,835,648.92
44 8,479,947.40
45 8,117,136.39
46 7,747,116.40
47 7,369,786.67
48 6,985,045.24
49 5,992,788.88
50 5,588,113.10
51 5,175,673.74
52 4,755,363.41
53 4,327,073.45
54 3,890,693.84
55 3,446,113.23
56 2,993,218.91
57 2,531,896.81
58 2,062,031.45
59 1,583,505.97
60 1,096,202.06

Usted planea depositar $1.000.000 hoy en una entidad financiera, y hacer un ahorro semestral (fin de semestre) d
en 10% cada semestre. La entidad donde realiza el ahorro le reconoce un interes del 1,8% semestral para el primer
año
Usted planea depositar $1.000.000 hoy en una entidad financiera, y hacer un ahorro semestral (fin de semestre) d
en 10% cada semestre. La entidad donde realiza el ahorro le reconoce un interes del 1,8% semestral para el primer
año

i 1= 1.8%
i 2= 2%
g%c= 10%
P= 1,000,000.00
A= 100.00
Periodo fondo
0
1 1,000,000.00
2 2,118,000.00
3 3,366,124.00
4 4,764,446.48

Cuanto tendrá ahorrado al final del año dos?

Usted tiene planeado depositar $1.000.000 hoy en una entidad financiera, y hacer un ahorro semes
(fin de semestre) durante 2 años incrementando dicho ahorro en $20.000 cada semestre. La entid
donde realiza el ahorro le reconoce un interés del 1.8% semestral para el primer año y del 2.0% seme

periodo fondo interes deposito

0 1,000,000.00
1.8% 1 1,000,000.00 18,000.00 1,020,001.00
2 2,038,001.00 36,684.02 1,040,002.00
2% 3 3,114,687.02 62,293.74 1,060,003.00
4 4,236,983.76 84,739.68 1,080,004.00

Usted contrata un crédito por un valor de $100.000.000 a una tasa del 2% mensual para amortizar co
cuotas que crecen el 1% entre cuota y cuota, la primera de ellas por $X el mismo día que le desembol
crédito, adicionalmente con dos pagos extras programados de $1.000.000 al final de los periodos 9 y

Calcular el valor de la primera cuota.

 Usted contrata un crédito por un valor de $100.000.000 a una tasa del 2% mensual para amortizar co
cuotas que crecen el 1% entre cuota y cuota, la primera de ellas por $X el mismo día que le desembol
crédito, adicionalmente con dos pagos extras programados de $1.000.000 al final de los periodos 9 y

Calcular el valor de la primera cuota.

P= 100,000,000.00
i= 2%
n= 24
g= 1%
AP= 1,000,000.00 Periodos 9 y 18
A= 4,510,074.11

periodo saldo inicial interes

0 100,000,000.00
1 100,000,000.00 2,000,000.00
2 102,000,000.00 2,040,000.00
3 104,040,000.00 2,080,800.00
4 106,120,800.00 2,122,416.00
5 108,243,216.00 2,164,864.32
6 110,408,080.32 2,208,161.61
7 112,616,241.93 2,252,324.84
8 114,868,566.76 2,297,371.34
9 117,165,938.10 2,343,318.76
10 119,509,256.86 2,390,185.14
11 121,899,442.00 2,437,988.84
12 124,337,430.84 2,486,748.62
13 126,824,179.46 2,536,483.59
14 129,360,663.05 2,587,213.26
15 131,947,876.31 2,638,957.53
16 134,586,833.83 2,691,736.68
17 137,278,570.51 2,745,571.41
18 140,024,141.92 2,800,482.84
19 142,824,624.76 2,856,492.50
20 145,681,117.25 2,913,622.35
21 148,594,739.60 2,971,894.79
22 151,566,634.39 3,031,332.69
23 154,597,967.08 3,091,959.34
24 157,689,926.42 3,153,798.53
160,843,724.95 3,216,874.50
 Usted contrata un crédito por un valor de $100.000.000 a una tasa del 2% mensual para amortizar co
cuotas que crecen el 1% entre cuota y cuota, la primera de ellas por $X el mismo día que le desembol
crédito, adicionalmente con dos pagos extras programados de $1.000.000 al final de los periodos 9 y

Calcular el valor de la primera cuota.

P= 100,000,000.00
i= 2%
n= 24
g= 1%
AP= 1,000,000.00 Periodos 9 y 18
A= 4,519,773.13

Periodo saldo inicial interes abono

0 100,000,000.00 2,000,000.00 2,519,773.13
1 97,480,226.87 1,949,604.54 2,615,366.32
2 94,864,860.55 1,897,297.21 2,713,323.36
3 92,151,537.19 1,843,030.74 2,813,696.03
4 89,337,841.16 1,786,756.82 2,916,537.22
5 86,421,303.94 1,728,426.08 3,021,900.90
6 83,399,403.04 1,667,988.06 3,129,842.19
7 80,269,560.84 1,605,391.22 3,240,417.34
8 77,029,143.51 1,540,582.87 3,353,683.77
9 73,675,459.73 1,473,509.19 3,469,700.11
10 70,205,759.62 1,404,115.19 4,588,526.21
11 65,617,233.41 1,312,344.67 3,730,223.15
12 61,887,010.27 1,237,740.21 3,855,253.29
13 58,031,756.98 1,160,635.14 3,983,288.29
14 54,048,468.69 1,080,969.37 4,114,393.29
15 49,934,075.41 998,681.51 4,248,634.78
16 45,685,440.63 913,708.81 4,386,080.64
17 41,299,359.99 825,987.20 4,526,800.15
18 36,772,559.84 735,451.20 5,670,864.02
19 31,101,695.82 622,033.92 5,848,344.45
20 25,253,351.36 505,067.03 6,030,015.13
21 19,223,336.24 384,466.72 6,215,966.25
22 13,007,369.98 260,147.40 6,406,289.91
23 6,601,080.08 132,021.60 6,601,080.08
24
 Usted contrata un crédito por un valor de $100.000.000 a una tasa del 2% mensual para amortizar co
cuotas que crecen el 1% entre cuota y cuota, la primera de ellas por $X el mismo día que le desembol
crédito, adicionalmente con dos pagos extras programados de $1.000.000 al final de los periodos 9 y

Calcular el valor de la primera cuota.

P= 100,000,000.00
i= 1%
n= 20
g= 2%
AP= 2,000,000.00 Periodos 9 y 18
A= 4,345,323.05

periodo saldo inicial interes abono

0 100,000,000.00 4,432,229.52
1 95,567,770.48 955,677.70 3,565,196.40
2 92,002,574.08 920,025.74 3,691,265.85
3 88,311,308.24 883,113.08 3,820,404.34
4 84,490,903.90 844,909.04 3,952,678.73
5 80,538,225.17 805,382.25 4,088,157.27
6 76,450,067.90 764,500.68 4,226,909.64
7 72,223,158.26 722,231.58 4,369,006.94
8 67,854,151.32 678,541.51 4,514,521.78
9 63,339,629.55 633,396.30 6,663,528.26
10 56,676,101.28 566,761.01 4,836,102.04
11 51,839,999.25 518,399.99 4,992,520.32
12 46,847,478.93 468,474.79 5,152,663.93
13 41,694,815.01 416,948.15 5,316,613.34
14 36,378,201.67 363,782.02 5,484,450.70
15 30,893,750.97 308,937.51 5,656,259.86
16 25,237,491.10 252,374.91 5,832,126.41
17 19,405,364.69 194,053.65 6,012,137.70
18 13,393,226.99 133,932.27 8,196,382.90
19 5,196,844.09 51,968.44 6,404,953.04
 Hoy deposité la suma de $ 10.000.000 en un banco que me reconoce las siguientes tasas

Durante los primeros 8 meses el 1% mensual. Durante los 12 meses siguientes el 12% anual. Durante
el 1.2 % bimestral Calcular:

Valor acumulado al final de dicho tiempo.

periodo saldo inicial interes saldo final

0 10,000,000.00 100,000.00 10,100,000.00
1 10,100,000.00 101,000.00 10,201,000.00
2 10,201,000.00 102,010.00 10,303,010.00
3 10,303,010.00 103,030.10 10,406,040.10
4 10,406,040.10 104,060.40 10,510,100.50
5 10,510,100.50 105,101.01 10,615,201.51
6 10,615,201.51 106,152.02 10,721,353.52
7 10,721,353.52 107,213.54 10,828,567.06
8 10,828,567.06 108,285.67 10,936,852.73
9 10,936,852.73 109,368.53 11,046,221.25
10 11,046,221.25 110,462.21 11,156,683.47
11 11,156,683.47 111,566.83 11,268,250.30
12 11,268,250.30 112,682.50 11,380,932.80
13 11,380,932.80 113,809.33 11,494,742.13
14 11,494,742.13 114,947.42 11,609,689.55
15 11,609,689.55 116,096.90 11,725,786.45
16 11,725,786.45 117,257.86 11,843,044.31
17 11,843,044.31 118,430.44 11,961,474.76
18 11,961,474.76 119,614.75 12,081,089.50
19 12,081,089.50 120,810.90 12,201,900.40
20 12,201,900.40 122,019.00 12,323,919.40
21 12,323,919.40 147,887.03 12,471,806.44
22 12,471,806.44 149,661.68 12,621,468.11
23 12,621,468.11 151,457.62 12,772,925.73
24 12,772,925.73 153,275.11 12,926,200.84
25 12,926,200.84 155,114.41 13,081,315.25
26 13,081,315.25 156,975.78 13,238,291.03
27 13,238,291.03 158,859.49 13,397,150.53
28 13,397,150.53 160,765.81 13,557,916.33
13,557,916.33 162,695.00 13,720,611.33
un ahorro semestral (fin de semestre) durante 2 años incrementando dicho ahorro
nteres del 1,8% semestral para el primer año y del 2,0% semesttral para el segundo
año

saldo final
1,000,000.00
2,118,000.00
3,366,124.00 Al saldo final del segundo periodo se le suma el dep
4,764,446.48
6,323,835.41

interes abono cuota extra cuota

270,000.00 -20,000.00 250,000.00

270,360.00 2,310.36 272,670.36
270,318.41 27,078.10 297,396.51
269,831.01 54,533.85 324,364.86
268,849.40 84,929.33 353,778.73
267,320.67 118,539.23 385,859.90
265,186.96 155,663.28 420,850.24
262,385.03 196,628.53 459,013.55
258,845.71 241,791.86 500,637.57
254,493.46 291,542.65 546,036.11
249,245.69 346,305.77 595,551.46
243,012.19 706,544.74 300,000.00 949,556.93
230,294.38 478,165.32 708,459.70
221,687.41 551,016.45 772,703.85
211,769.11 631,004.65 842,773.76
200,411.03 718,786.69 919,197.71
187,472.87 815,079.03 1,002,551.90
 172,801.44 920,663.32 1,093,464.76
156,229.50 1,036,392.23 1,192,621.74
137,574.44 1,163,195.97 1,300,770.41
116,636.92 1,302,089.25 1,418,726.16
93,199.31 1,454,179.00 1,547,378.31
67,024.09 1,620,672.74 1,687,696.83
37,851.98 2,102,887.65 300,000.00 2,140,739.63

interes abono abono extra cuota saldo final

20,000,000.00
160,000.00 120,741.08 280,741.08 19,879,258.92
159,034.07 124,514.42 283,548.49 19,754,744.50
158,037.96 128,346.02 286,383.97 19,626,398.48
157,011.19 132,236.63 289,247.81 19,494,161.86
155,953.29 136,187.00 292,140.29 19,357,974.86
154,863.80 140,197.90 295,061.70 19,217,776.96
153,742.22 144,270.10 298,012.31 19,073,506.86
152,588.05 148,404.38 300,992.44 18,925,102.48
151,400.82 152,601.54 304,002.36 18,772,500.94
150,180.01 156,862.38 307,042.38 18,615,638.57
148,925.11 161,187.70 310,112.81 18,454,450.87
147,635.61 765,578.33 600,000.00 913,213.94 17,688,872.54
141,510.98 174,835.09 316,346.08 17,514,037.44
140,112.30 179,397.24 319,509.54 17,334,640.21
138,677.12 184,027.51 322,704.63 17,150,612.70
137,204.90 188,726.78 325,931.68 16,961,885.92
135,695.09 193,495.91 329,190.99 16,768,390.02
134,147.12 198,335.78 332,482.90 16,570,054.23
132,560.43 203,247.30 335,807.73 16,366,806.93
130,934.46 208,231.36 339,165.81 16,158,575.58
129,268.60 213,288.86 342,557.47 15,945,286.71
 127,562.29 218,420.75 345,983.04 15,726,865.96
125,814.93 223,627.95 349,442.87 15,503,238.02
124,025.90 828,911.40 600,000.00 952,937.30 14,674,326.62
117,394.61 239,072.06 356,466.68 14,435,254.56
115,482.04 244,549.31 360,031.34 14,190,705.25
113,525.64 250,106.01 363,631.66 13,940,599.24
111,524.79 255,743.18 367,267.97 13,684,856.06
109,478.85 261,461.80 370,940.65 13,423,394.25
107,387.15 267,262.90 374,650.06 13,156,131.35
105,249.05 273,147.51 378,396.56 12,882,983.84
103,063.87 279,116.65 382,180.52 12,603,867.19
100,830.94 285,171.39 386,002.33 12,318,695.79
98,549.57 291,312.79 389,862.35 12,027,383.01
96,219.06 297,541.91 393,760.98 11,729,841.09
93,838.73 903,859.86 600,000.00 997,698.59 10,825,981.24
86,607.85 315,067.72 401,675.57 10,510,913.51
84,087.31 321,605.02 405,692.33 10,189,308.49
81,514.47 328,234.78 409,749.25 9,861,073.71
78,888.59 334,958.15 413,846.74 9,526,115.56
76,208.92 341,776.29 417,985.21 9,184,339.27
73,474.71 348,690.35 422,165.06 8,835,648.92
70,685.19 355,701.52 426,386.71 8,479,947.40
67,839.58 362,811.00 430,650.58 8,117,136.39
64,937.09 370,020.00 434,957.09 7,747,116.40
61,976.93 377,329.73 439,306.66 7,369,786.67
58,958.29 384,741.43 443,699.72 6,985,045.24
55,880.36 992,256.36 600,000.00 1,048,136.72 5,992,788.88
47,942.31 404,675.78 452,618.09 5,588,113.10
44,704.90 412,439.37 457,144.27 5,175,673.74
41,405.39 420,310.32 461,715.71 4,755,363.41
38,042.91 428,289.96 466,332.87 4,327,073.45
34,616.59 436,379.61 470,996.20 3,890,693.84
31,125.55 444,580.61 475,706.16 3,446,113.23
27,568.91 452,894.32 480,463.22 2,993,218.91
23,945.75 461,322.10 485,267.85 2,531,896.81
20,255.17 469,865.36 490,120.53 2,062,031.45
16,496.25 478,525.49 495,021.74 1,583,505.97
12,668.05 487,303.91 499,971.96 1,096,202.06
8,769.62 1,096,202.06 600,000.00 1,104,971.68 0.00

un ahorro semestral (fin de semestre) durante 2 años incrementando dicho ahorro

nteres del 1,8% semestral para el primer año y del 2,0% semesttral para el segundo
año
 interes deposito saldo final
1,000,000.00 1,000,000.00
18,000.00 1,100,000.00 2,118,000.00
38,124.00 1,210,000.00 3,366,124.00 RECORDAR NO CONFUNDIR
67,322.48 1,331,000.00 4,764,446.48
95,288.93 1,464,100.00 6,323,835.41

al del año dos?

tidad financiera, y hacer un ahorro semestral

orro en $20.000 cada semestre. La entidad
estral para el primer año y del 2.0% semestral
deposito= 1,000,000.00
g= 20,000.00
i= 1.8%
saldo final i= 2%
1,000,000.00
2,038,001.00
3,114,687.02
4,236,983.76
5,401,727.43

na tasa del 2% mensual para amortizar con 24

as por $X el mismo día que le desembolsan el
de $1.000.000 al final de los periodos 9 y 18.

era cuota.
abono cuota extra cuota saldo final
100,000,000.00
-2,000,000.00 102,000,000.00
-2,040,000.00 104,040,000.00
-2,080,800.00 106,120,800.00
-2,122,416.00 108,243,216.00
-2,164,864.32 110,408,080.32
-2,208,161.61 112,616,241.93
-2,252,324.84 114,868,566.76
-2,297,371.34 117,165,938.10
-2,343,318.76 119,509,256.86 -1,000,000.00
-2,390,185.14 1,000,000.00 121,899,442.00
-2,437,988.84 124,337,430.84
-2,486,748.62 126,824,179.46
-2,536,483.59 129,360,663.05
-2,587,213.26 131,947,876.31
-2,638,957.53 134,586,833.83
-2,691,736.68 137,278,570.51
-2,745,571.41 140,024,141.92
-2,800,482.84 142,824,624.76 -1,000,000.00
-2,856,492.50 1,000,000.00 145,681,117.25
-2,913,622.35 148,594,739.60
-2,971,894.79 151,566,634.39
-3,031,332.69 154,597,967.08
-3,091,959.34 157,689,926.42
-3,153,798.53 160,843,724.95
-3,216,874.50 164,060,599.45
-
na tasa del 2% mensual para amortizar con 24
as por $X el mismo día que le desembolsan el
de $1.000.000 al final de los periodos 9 y 18.

era cuota.

cuota extra cuota saldo final

4,519,773.13 97,480,226.87
4,564,970.86 94,864,860.55
4,610,620.57 92,151,537.19
4,656,726.77 89,337,841.16
4,703,294.04 86,421,303.94
4,750,326.98 83,399,403.04
4,797,830.25 80,269,560.84
4,845,808.56 77,029,143.51
4,894,266.64 73,675,459.73
4,943,209.31 70,205,759.62
1,000,000.00 5,992,641.40 65,617,233.41 4,992,641.40
5,042,567.81 61,887,010.27
5,092,993.49 58,031,756.98
5,143,923.43 54,048,468.69
5,195,362.66 49,934,075.41
5,247,316.29 45,685,440.63
5,299,789.45 41,299,359.99
5,352,787.35 36,772,559.84
1,000,000.00 6,406,315.22 31,101,695.82
6,470,378.37 25,253,351.36 6,470,378.37
6,535,082.15 19,223,336.24
6,600,432.98 13,007,369.98
6,666,437.31 6,601,080.08
6,733,101.68 0.00
na tasa del 2% mensual para amortizar con 24
as por $X el mismo día que le desembolsan el
de $1.000.000 al final de los periodos 9 y 18.

era cuota.

cuota extra cuota saldo final

4,432,229.52 95,567,770.48
4,520,874.11 92,002,574.08
4,611,291.59 88,311,308.24
4,703,517.42 84,490,903.90
4,797,587.77 80,538,225.17
4,893,539.52 76,450,067.90
4,991,410.31 72,223,158.26
5,091,238.52 67,854,151.32
5,193,063.29 63,339,629.55
2,000,000.00 7,296,924.56 56,676,101.28 5,296,924.56
5,402,863.05 51,839,999.25
5,510,920.31 46,847,478.93
5,621,138.72 41,694,815.01
5,733,561.49 36,378,201.67
5,848,232.72 30,893,750.97
5,965,197.37 25,237,491.10
6,084,501.32 19,405,364.69
6,206,191.35 13,393,226.99
2,000,000.00 8,330,315.17 5,196,844.09 6,330,315.17
6,456,921.48 -1,208,108.95
nco que me reconoce las siguientes tasas de interés:

meses siguientes el 12% anual. Durante los 16 meses siguientes

mestral Calcular:

final de dicho tiempo.

10,000,000.00 periodo saldo inicial

0 10,000,000.00
1% 1 10,000,000.00
2 10,100,000.00
8 3 10,201,000.00
1.2% 4 10,303,010.00
5 10,406,040.10
6 10,510,100.50
7 10,615,201.51
8 10,721,353.52
9 10,828,567.06
10 10,936,852.73
11 11,046,221.25
12 11,156,683.47
13 11,268,250.30
14 11,380,932.80
15 11,494,742.13
16 11,609,689.55
17 11,725,786.45
18 11,843,044.31
19 11,961,474.76
20 12,081,089.50
21 12,201,900.40
22 12,323,919.40
23 12,471,806.44
24 12,621,468.11
25 12,772,925.73
26 12,926,200.84
27 13,081,315.25
28 13,238,291.03
29 13,397,150.53
el segundo periodo se le suma el deposito, el interes y el fondo

saldo final
15,000,000.00
15,020,000.00
15,017,689.64
14,990,611.54
LA HPTA GRADIENTE ARRANCA A CONTAR DESDE EL SEGUNDO
14,936,077.69 PERIODO
14,851,148.36
14,732,609.13
14,576,945.85
14,380,317.32
14,138,525.47
DESPUES DE SUMAR EL ABONO PROGRAMADO, APARTE SE LE
13,846,982.81 ANALIZA LA CUOTA SIGUIENTE SIN CUOTA PERO CON GRADIENTE
13,500,677.05
12,794,132.30 649,556.93
12,315,966.98
11,764,950.54
11,133,945.88
10,415,159.20
9,600,080.16
8,679,416.84
7,643,024.61
6,479,828.64
5,177,739.40
3,723,560.39
2,102,887.65
-0.00

313,213.94
352,937.30

397,698.59

448,136.72
RECORDAR NO CONFUNDIR GRADIENTE CON TASA DE INTERES!
24
4,944,434
interes saldo final
10,000,000.00
100000 10,100,000.00
101000 10,201,000.00
102010 10,303,010.00
103030.1 10,406,040.10
104060.401 10,510,100.50
105101.00501 10,615,201.51
106152.0150601 10,721,353.52
107213.5352107 10,828,567.06
108285.6705628 10,936,852.73
109368.5272684 11,046,221.25
110462.2125411 11,156,683.47
111566.8346665 11,268,250.30
112682.5030132 11,380,932.80
113809.3280433 11,494,742.13
114947.4213238 11,609,689.55
116096.895537 11,725,786.45
117257.8644924 11,843,044.31
118430.4431373 11,961,474.76
119614.7475687 12,081,089.50
120810.8950444 12,201,900.40
122019.0039948 12,323,919.40
147887.0328417 12,471,806.44
149661.6772358 12,621,468.11
151457.6173626 12,772,925.73
153275.108771 12,926,200.84
155114.4100762 13,081,315.25
156975.7829971 13,238,291.03
158859.4923931 13,397,150.53
160765.8063018 13,557,916.33
AR DESDE EL SEGUNDO

AMADO, APARTE SE LE
A PERO CON GRADIENTE