Proyecto Semestral de IE - Sofia, Toshira e Ivan

UNIVERSIDA
FACULTAD
ING. LOGISTIC
Examen Sem
Sof
Tos
Iv
Fec
UNIVERSIDAD TECNOLÓGICA DE PANAMÁ
FACULTAD DE INGENIERÍA INDUSTRIAL
ING. LOGISTICA Y CADENA DE SUMINISTROS
Examen Semestral de Ingeniería Económica
Profesora: Diana NG
Alumnos:
Sofía Barochis (8-953-525)

Toshira Ovalle (8-958-2415)
Ivan Rivas (8-955-1453)
Grupo: 1CL132
Fecha: 19 de Julio de 2021

Introducción ............
...1
Planteamiento..........
.. 2
Entidades
Financieras...............
Conclusión del
Problema..................
Conclusión Grupal d
Trabajo.....................
Índice
Introducción ..............................................................................................
...1
Planteamiento.............................................................................................
.. 2
Entidades
Financieras...................................................................................3-5
Conclusión del
Problema...............................................................................6
Conclusión Grupal del

Trabajo......................................................................7
Este trabajo consiste en los as
tecnica necesarias para realiz
como base la formulación de
de ingenieria económica , a fi
permita adoptar la alternativa
un ambiente de cambio empre
conceptos utilizados en el áre
presenten en cualquier mome
Introducción
rabajo consiste en los aspectos económicos de las empresas. Proporciona la infromación y

a necesarias para realizar estudios y análisis económicos en empresas privadas, teniendo
base la formulación de problemas y las alternativas de solución que ofrecen las tareas
enieria económica , a fin de establecer un criterio apropiado para la toma de desiciones que
ta adoptar la alternativa más factible de implantar desde un punto de vista económico, en
biente de cambio empresarial. Es por ello que debemos tener en cuenta cada una de los
ptos utilizados en el área para poder tener éxito en la solución de problemas que se
nten en cualquier momento.
romación y
, teniendo
tareas
siciones que
ómico, en
a de los
e se
Como ingeniero recién egresad
automóvil Suzuki (compacto)
necesidades con un precio de $
Acudí a tres instituciones fina

(Para todos los casos la cuota i
para la vivienda el plazo será 3
1. Banco General:
Auto: Interés 12% capitalizabl
Vivienda: Cuota inicial desde $
2. Scotiabank:
Auto: Interés 24% capitalizab
Vivienda: Cuota inicial $19.50
3. Banco Credomatic:
Auto: Interés 27,915% capitali
Vivienda: Cuota inicial $26.00
Planteamiento del Problema
o ingeniero recién egresado, y motivado a comenzar mi vida adulta, deseo adquirir un

móvil Suzuki (compacto) con un precio de $12.000 y un apartamento adaptado a mis
idades con un precio de $130.000.
í a tres instituciones financieras y obtuve las siguientes características para prestamos:

todos los casos la cuota inicial del automóvil fue estimada en $3.000 y plazo de 3 años y
a vivienda el plazo será 30 años)
nco General:
Interés 12% capitalizable mensual, cuotas mensuales
nda: Cuota inicial desde $6500, interés 6% capitalizable mensual, cuotas mensuales
otiabank:
: Interés 24% capitalizable mensual, cuotas mensuales
nda: Cuota inicial $19.500, interés 5,25% capitalizable mensual, cuotas mensuales
nco Credomatic:
Interés 27,915% capitalizable mensual, cuotas mensuales
nda: Cuota inicial $26.000, interés 4,25% capitalizable mensual, cuotas mensuales
AUTOMOVIL Cuadro de amortización con c
Tasa nominal capitalizable mensual= 12% Periodo Cuota
Plazo en meses= 36 0 -
Precio= $12,000.00 1 $298.93
Inicial= $3,000.00 2 $298.93
Monto a financiar= $9,000.00 3 $298.93
4 $298.93
𝐹=𝑃∗(𝐹⁄𝑃,𝑖,𝑛)=P* 〖 (1+𝑖) 〗 ^𝑛
5 $298.93
Valor final sin amortización ni intereses= $12,876.92 6 $298.93
𝐴=𝑃∗(𝐴⁄𝑃,𝑖,𝑛)=𝑃∗𝑖/(1− 〖 (1+𝑖) 〗 ^(−𝑛) ) 7 $298.93
8 $298.93
Valor de la cuota= $298.93 9 $298.93
Tasa efectiva= 12.682503% 10 $298.93
11 $298.93
12 $298.93
13 $298.93
14 $298.93
15 $298.93
16 $298.93
17 $298.93
18 $298.93
19 $298.93
20 $298.93
21 $298.93
22 $298.93
23 $298.93
24 $298.93
25 $298.93
26 $298.93
27 $298.93
28 $298.93
29 $298.93
30 $298.93
31 $298.93
32 $298.93
33 $298.93
34 $298.93
35 $298.93
36 $298.93
VIVIENDA Cuadro de amortización con c

Tasa nominal capitalizable mensual= 6% Periodo Cuota
Plazo en meses= 360 0 -
Precio= $130,000.00 1 $719.46
Inicial= $10,000.00 2 $719.46
Monto a financiar= $120,000.00 3 $719.46
4 $719.46
𝐹=𝑃∗(𝐹⁄𝑃,𝑖,𝑛)=P* 〖 (1+𝑖) 〗 ^𝑛
5 $719.46
Valor final sin amortización ni intereses= $722,709.03 6 $719.46
𝐴=𝑃∗(𝐴⁄𝑃,𝑖,𝑛)=𝑃∗𝑖/(1− 〖 (1+𝑖) 〗 ^(−𝑛) ) 7 $719.46
8 $719.46
Valor de la cuota= $719.46 9 $719.46
Tasa efectiva= 6.167781% 10 $719.46
11 $719.46
12 $719.46
13 $719.46
14 $719.46
15 $719.46
16 $719.46
17 $719.46
18 $719.46
19 $719.46
20 $719.46
21 $719.46
22 $719.46
23 $719.46
24 $719.46
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26 $719.46
27 $719.46
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31 $719.46
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33 $719.46
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35 $719.46
36 $719.46
37 $719.46
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40 $719.46
41 $719.46
42 $719.46
43 $719.46
44 $719.46
45 $719.46
46 $719.46
47 $719.46
48 $719.46
49 $719.46
50 $719.46
51 $719.46
52 $719.46
53 $719.46
54 $719.46
55 $719.46
56 $719.46
57 $719.46
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87 $719.46
88 $719.46
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90 $719.46
91 $719.46
92 $719.46
93 $719.46
94 $719.46
95 $719.46
96 $719.46
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98 $719.46
99 $719.46
100 $719.46
101 $719.46
102 $719.46
103 $719.46
104 $719.46
105 $719.46
106 $719.46
107 $719.46
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110 $719.46
111 $719.46
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113 $719.46
114 $719.46
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116 $719.46
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118 $719.46
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120 $719.46
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124 $719.46
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324 $719.46
325 $719.46
326 $719.46
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328 $719.46
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331 $719.46
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333 $719.46
334 $719.46
335 $719.46
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355 $719.46
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357 $719.46
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359 $719.46
360 $719.46
Cuadro de amortización con cuotas fijas Cuadro de amortización con amortoizacion constante
Interés Amortización Saldo Deudor Periodo Cuota Interés Amortización
- - $9,000.00 0 - - -
$90.00 $208.93 $8,791.07 1 $340.00 $90.00 $250.00
$87.91 $211.02 $8,580.05 2 $337.50 $87.50 $250.00
$85.80 $213.13 $8,366.92 3 $335.00 $85.00 $250.00
$83.67 $215.26 $8,151.67 4 $332.50 $82.50 $250.00
$81.52 $217.41 $7,934.25 5 $330.00 $80.00 $250.00
$79.34 $219.59 $7,714.67 6 $327.50 $77.50 $250.00
$77.15 $221.78 $7,492.88 7 $325.00 $75.00 $250.00
$74.93 $224.00 $7,268.88 8 $322.50 $72.50 $250.00
$72.69 $226.24 $7,042.64 9 $320.00 $70.00 $250.00
$70.43 $228.50 $6,814.14 10 $317.50 $67.50 $250.00
$68.14 $230.79 $6,583.36 11 $315.00 $65.00 $250.00
$65.83 $233.10 $6,350.26 12 $312.50 $62.50 $250.00
$63.50 $235.43 $6,114.83 13 $310.00 $60.00 $250.00
$61.15 $237.78 $5,877.05 14 $307.50 $57.50 $250.00
$58.77 $240.16 $5,636.90 15 $305.00 $55.00 $250.00
$56.37 $242.56 $5,394.34 16 $302.50 $52.50 $250.00
$53.94 $244.99 $5,149.35 17 $300.00 $50.00 $250.00
$51.49 $247.44 $4,901.91 18 $297.50 $47.50 $250.00
$49.02 $249.91 $4,652.00 19 $295.00 $45.00 $250.00
$46.52 $252.41 $4,399.60 20 $292.50 $42.50 $250.00
$44.00 $254.93 $4,144.66 21 $290.00 $40.00 $250.00
$41.45 $257.48 $3,887.18 22 $287.50 $37.50 $250.00
$38.87 $260.06 $3,627.12 23 $285.00 $35.00 $250.00
$36.27 $262.66 $3,364.47 24 $282.50 $32.50 $250.00
$33.64 $265.28 $3,099.18 25 $280.00 $30.00 $250.00
$30.99 $267.94 $2,831.25 26 $277.50 $27.50 $250.00
$28.31 $270.62 $2,560.63 27 $275.00 $25.00 $250.00
$25.61 $273.32 $2,287.31 28 $272.50 $22.50 $250.00
$22.87 $276.06 $2,011.25 29 $270.00 $20.00 $250.00
$20.11 $278.82 $1,732.43 30 $267.50 $17.50 $250.00
$17.32 $281.60 $1,450.83 31 $265.00 $15.00 $250.00
$14.51 $284.42 $1,166.41 32 $262.50 $12.50 $250.00
$11.66 $287.26 $879.15 33 $260.00 $10.00 $250.00
$8.79 $290.14 $589.01 34 $257.50 $7.50 $250.00
$5.89 $293.04 $295.97 35 $255.00 $5.00 $250.00
$2.96 $295.97 $0.00 36 $252.50 $2.50 $250.00
Cuadro de amortización con cuotas fijas Cuadro de amortización con amortoizacion constante
Interés Amortización Saldo Deudor Periodo Cuota Interés Amortización
- - $120,000.00 0 - - -
$600.00 $119.46 $119,880.54 1 $933.33 $600.00 $333.33
$599.40 $120.06 $119,760.48 2 $931.67 $598.33 $333.33
$598.80 $120.66 $119,639.82 3 $930.00 $596.67 $333.33
$598.20 $121.26 $119,518.56 4 $928.33 $595.00 $333.33
$597.59 $121.87 $119,396.69 5 $926.67 $593.33 $333.33
$596.98 $122.48 $119,274.22 6 $925.00 $591.67 $333.33
$596.37 $123.09 $119,151.13 7 $923.33 $590.00 $333.33
$595.76 $123.70 $119,027.42 8 $921.67 $588.33 $333.33
$595.14 $124.32 $118,903.10 9 $920.00 $586.67 $333.33
$594.52 $124.95 $118,778.15 10 $918.33 $585.00 $333.33
$593.89 $125.57 $118,652.58 11 $916.67 $583.33 $333.33
$593.26 $126.20 $118,526.39 12 $915.00 $581.67 $333.33
$592.63 $126.83 $118,399.56 13 $913.33 $580.00 $333.33
$592.00 $127.46 $118,272.09 14 $911.67 $578.33 $333.33
$591.36 $128.10 $118,143.99 15 $910.00 $576.67 $333.33
$590.72 $128.74 $118,015.25 16 $908.33 $575.00 $333.33
$590.08 $129.38 $117,885.87 17 $906.67 $573.33 $333.33
$589.43 $130.03 $117,755.84 18 $905.00 $571.67 $333.33
$588.78 $130.68 $117,625.16 19 $903.33 $570.00 $333.33
$588.13 $131.33 $117,493.82 20 $901.67 $568.33 $333.33
$587.47 $131.99 $117,361.83 21 $900.00 $566.67 $333.33
$586.81 $132.65 $117,229.18 22 $898.33 $565.00 $333.33
$586.15 $133.31 $117,095.86 23 $896.67 $563.33 $333.33
$585.48 $133.98 $116,961.88 24 $895.00 $561.67 $333.33
$584.81 $134.65 $116,827.23 25 $893.33 $560.00 $333.33
$584.14 $135.32 $116,691.91 26 $891.67 $558.33 $333.33
$583.46 $136.00 $116,555.91 27 $890.00 $556.67 $333.33
$582.78 $136.68 $116,419.22 28 $888.33 $555.00 $333.33
$582.10 $137.36 $116,281.86 29 $886.67 $553.33 $333.33
$581.41 $138.05 $116,143.81 30 $885.00 $551.67 $333.33
$580.72 $138.74 $116,005.07 31 $883.33 $550.00 $333.33
$580.03 $139.44 $115,865.63 32 $881.67 $548.33 $333.33
$579.33 $140.13 $115,725.50 33 $880.00 $546.67 $333.33
$578.63 $140.83 $115,584.67 34 $878.33 $545.00 $333.33
$577.92 $141.54 $115,443.13 35 $876.67 $543.33 $333.33
$577.22 $142.24 $115,300.88 36 $875.00 $541.67 $333.33
$576.50 $142.96 $115,157.93 37 $873.33 $540.00 $333.33
$575.79 $143.67 $115,014.26 38 $871.67 $538.33 $333.33
$575.07 $144.39 $114,869.87 39 $870.00 $536.67 $333.33
$574.35 $145.11 $114,724.76 40 $868.33 $535.00 $333.33
$573.62 $145.84 $114,578.92 41 $866.67 $533.33 $333.33
$572.89 $146.57 $114,432.35 42 $865.00 $531.67 $333.33
$572.16 $147.30 $114,285.05 43 $863.33 $530.00 $333.33
$571.43 $148.04 $114,137.02 44 $861.67 $528.33 $333.33
$570.69 $148.78 $113,988.24 45 $860.00 $526.67 $333.33
$569.94 $149.52 $113,838.72 46 $858.33 $525.00 $333.33
$569.19 $150.27 $113,688.46 47 $856.67 $523.33 $333.33
$568.44 $151.02 $113,537.44 48 $855.00 $521.67 $333.33
$567.69 $151.77 $113,385.67 49 $853.33 $520.00 $333.33
$566.93 $152.53 $113,233.13 50 $851.67 $518.33 $333.33
$566.17 $153.29 $113,079.84 51 $850.00 $516.67 $333.33
$565.40 $154.06 $112,925.78 52 $848.33 $515.00 $333.33
$564.63 $154.83 $112,770.94 53 $846.67 $513.33 $333.33
$563.85 $155.61 $112,615.34 54 $845.00 $511.67 $333.33
$563.08 $156.38 $112,458.96 55 $843.33 $510.00 $333.33
$562.29 $157.17 $112,301.79 56 $841.67 $508.33 $333.33
$561.51 $157.95 $112,143.84 57 $840.00 $506.67 $333.33
$560.72 $158.74 $111,985.10 58 $838.33 $505.00 $333.33
$559.93 $159.54 $111,825.56 59 $836.67 $503.33 $333.33
$559.13 $160.33 $111,665.23 60 $835.00 $501.67 $333.33
$558.33 $161.13 $111,504.09 61 $833.33 $500.00 $333.33
$557.52 $161.94 $111,342.15 62 $831.67 $498.33 $333.33
$556.71 $162.75 $111,179.40 63 $830.00 $496.67 $333.33
$555.90 $163.56 $111,015.84 64 $828.33 $495.00 $333.33
$555.08 $164.38 $110,851.46 65 $826.67 $493.33 $333.33
$554.26 $165.20 $110,686.26 66 $825.00 $491.67 $333.33
$553.43 $166.03 $110,520.23 67 $823.33 $490.00 $333.33
$552.60 $166.86 $110,353.37 68 $821.67 $488.33 $333.33
$551.77 $167.69 $110,185.67 69 $820.00 $486.67 $333.33
$550.93 $168.53 $110,017.14 70 $818.33 $485.00 $333.33
$550.09 $169.37 $109,847.77 71 $816.67 $483.33 $333.33
$549.24 $170.22 $109,677.54 72 $815.00 $481.67 $333.33
$548.39 $171.07 $109,506.47 73 $813.33 $480.00 $333.33
$547.53 $171.93 $109,334.54 74 $811.67 $478.33 $333.33
$546.67 $172.79 $109,161.75 75 $810.00 $476.67 $333.33
$545.81 $173.65 $108,988.10 76 $808.33 $475.00 $333.33
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$28.14 $691.32 $4,936.99 353 $346.67 $13.33 $333.33
$24.68 $694.78 $4,242.22 354 $345.00 $11.67 $333.33
$21.21 $698.25 $3,543.97 355 $343.33 $10.00 $333.33
$17.72 $701.74 $2,842.23 356 $341.67 $8.33 $333.33
$14.21 $705.25 $2,136.98 357 $340.00 $6.67 $333.33
$10.68 $708.78 $1,428.20 358 $338.33 $5.00 $333.33
$7.14 $712.32 $715.88 359 $336.67 $3.33 $333.33
$3.58 $715.88 $0.00 360 $335.00 $1.67 $333.33
oizacion constante
Saldo Deudor
$9,000.00 Información del Banco y Requisistos
$8,750.00
$8,500.00
$8,250.00
$8,000.00 Banco General fue fundado en abril de 1955, gracias a la visión de empresar
$7,750.00 que lo incorporaban como el primer banco privado de capital panameño.
$7,500.00 Actualmente es el banco privado panameño más grande de la plaza, con una
$7,250.00 amplia infraestructura de 76 sucursales y más de 600 cajeros automáticos, u
$7,000.00 banco en Costa Rica y oficinas de representación en México, Guatemala, El
$6,750.00 Salvador, Colombia y Perú.
$6,500.00
$6,250.00
$6,000.00
$5,750.00
$5,500.00 AUTOMOVILE
$5,250.00 S
$5,000.00
$4,750.00
$4,500.00
$4,250.00
$4,000.00
$3,750.00
$3,500.00
$3,250.00
$3,000.00
$2,750.00
$2,500.00
$2,250.00
$2,000.00
$1,750.00
$1,500.00
$1,250.00
$1,000.00
$750.00
$500.00
$250.00
$0.00
oizacion constante
Saldo Deudor
$120,000.00
$119,666.67
$119,333.33
VIVIENDAS
$119,000.00
$118,666.67
VIVIENDAS
$118,333.33
$118,000.00
$117,666.67
$117,333.33
$117,000.00
$116,666.67
$116,333.33
$116,000.00
$115,666.67
$115,333.33
$115,000.00
$114,666.67
$114,333.33
$114,000.00
$113,666.67
$113,333.33
$113,000.00
$112,666.67
$112,333.33
$112,000.00
$111,666.67
$111,333.33
$111,000.00
$110,666.67
$110,333.33
$110,000.00
$109,666.67
$109,333.33
$109,000.00
$108,666.67
$108,333.33
$108,000.00
$107,666.67
$107,333.33
$107,000.00
$106,666.67
$106,333.33
$106,000.00
$105,666.67
$105,333.33
$105,000.00
$104,666.67
$104,333.33
$104,000.00
$103,666.67
$103,333.33
$103,000.00
$102,666.67
$102,333.33
$102,000.00
$101,666.67
$101,333.33
$101,000.00
$100,666.67
$100,333.33
$100,000.00
$99,666.67
$99,333.33
$99,000.00
$98,666.67
$98,333.33
$98,000.00
$97,666.67
$97,333.33
$97,000.00
$96,666.67
$96,333.33
$96,000.00
$95,666.67
$95,333.33
$95,000.00
$94,666.67
$94,333.33
$94,000.00
$93,666.67
$93,333.33
$93,000.00
$92,666.67
$92,333.33
$92,000.00
$91,666.67
$91,333.33
$91,000.00
$90,666.67
$90,333.33
$90,000.00
$89,666.67
$89,333.33
$89,000.00
$88,666.67
$88,333.33
$88,000.00
$87,666.67
$87,333.33
$87,000.00
$86,666.67
$86,333.33
$86,000.00
$85,666.67
$85,333.33
$85,000.00
$84,666.67
$84,333.33
$84,000.00
$83,666.67
$83,333.33
$83,000.00
$82,666.67
$82,333.33
$82,000.00
$81,666.67
$81,333.33
$81,000.00
$80,666.67
$80,333.33
$80,000.00
$79,666.67
$79,333.33
$79,000.00
$78,666.67
$78,333.33
$78,000.00
$77,666.67
$77,333.33
$77,000.00
$76,666.67
$76,333.33
$76,000.00
$75,666.67
$75,333.33
$75,000.00
$74,666.67
$74,333.33
$74,000.00
$73,666.67
$73,333.33
$73,000.00
$72,666.67
$72,333.33
$72,000.00
$71,666.67
$71,333.33
$71,000.00
$70,666.67
$70,333.33
$70,000.00
$69,666.67
$69,333.33
$69,000.00
$68,666.67
$68,333.33
$68,000.00
$67,666.67
$67,333.33
$67,000.00
$66,666.67
$66,333.33
$66,000.00
$65,666.67
$65,333.33
$65,000.00
$64,666.67
$64,333.33
$64,000.00
$63,666.67
$63,333.33
$63,000.00
$62,666.67
$62,333.33
$62,000.00
$61,666.67
$61,333.33
$61,000.00
$60,666.67
$60,333.33
$60,000.00
$59,666.67
$59,333.33
$59,000.00
$58,666.67
$58,333.33
$58,000.00
$57,666.67
$57,333.33
$57,000.00
$56,666.67
$56,333.33
$56,000.00
$55,666.67
$55,333.33
$55,000.00
$54,666.67
$54,333.33
$54,000.00
$53,666.67
$53,333.33
$53,000.00
$52,666.67
$52,333.33
$52,000.00
$51,666.67
$51,333.33
$51,000.00
$50,666.67
$50,333.33
$50,000.00
$49,666.67
$49,333.33
$49,000.00
$48,666.67
$48,333.33
$48,000.00
$47,666.67
$47,333.33
$47,000.00
$46,666.67
$46,333.33
$46,000.00
$45,666.67
$45,333.33
$45,000.00
$44,666.67
$44,333.33
$44,000.00
$43,666.67
$43,333.33
$43,000.00
$42,666.67
$42,333.33
$42,000.00
$41,666.67
$41,333.33
$41,000.00
$40,666.67
$40,333.33
$40,000.00
$39,666.67
$39,333.33
$39,000.00
$38,666.67
$38,333.33
$38,000.00
$37,666.67
$37,333.33
$37,000.00
$36,666.67
$36,333.33
$36,000.00
$35,666.67
$35,333.33
$35,000.00
$34,666.67
$34,333.33
$34,000.00
$33,666.67
$33,333.33
$33,000.00
$32,666.67
$32,333.33
$32,000.00
$31,666.67
$31,333.33
$31,000.00
$30,666.67
$30,333.33
$30,000.00
$29,666.67
$29,333.33
$29,000.00
$28,666.67
$28,333.33
$28,000.00
$27,666.67
$27,333.33
$27,000.00
$26,666.67
$26,333.33
$26,000.00
$25,666.67
$25,333.33
$25,000.00
$24,666.67
$24,333.33
$24,000.00
$23,666.67
$23,333.33
$23,000.00
$22,666.67
$22,333.33
$22,000.00
$21,666.67
$21,333.33
$21,000.00
$20,666.67
$20,333.33
$20,000.00
$19,666.67
$19,333.33
$19,000.00
$18,666.67
$18,333.33
$18,000.00
$17,666.67
$17,333.33
$17,000.00
$16,666.67
$16,333.33
$16,000.00
$15,666.67
$15,333.33
$15,000.00
$14,666.67
$14,333.33
$14,000.00
$13,666.67
$13,333.33
$13,000.00
$12,666.67
$12,333.33
$12,000.00
$11,666.67
$11,333.33
$11,000.00
$10,666.67
$10,333.33
$10,000.00
$9,666.67
$9,333.33
$9,000.00
$8,666.67
$8,333.33
$8,000.00
$7,666.67
$7,333.33
$7,000.00
$6,666.67
$6,333.33
$6,000.00
$5,666.67
$5,333.33
$5,000.00
$4,666.67
$4,333.33
$4,000.00
$3,666.67
$3,333.33
$3,000.00
$2,666.67
$2,333.33
$2,000.00
$1,666.67
$1,333.33
$1,000.00
$666.67
$333.33
$0.00
quisistos
as a la visión de empresarios
de capital panameño.
ande de la plaza, con una
00 cajeros automáticos, un
n México, Guatemala, El
AUTOMOVIL Cuadro de amortización con cuotas fija
Tasa nominal capitalizable mensual= 24% Periodo Cuota Interés
Plazo en meses= 36 0 - -
Precio= $12,000.00 1 $353.10 $180.00
Inicial= $3,000.00 2 $353.10 $176.54
Monto a financiar= $9,000.00 3 $353.10 $173.01
4 $353.10 $169.41
𝐹=𝑃∗(𝐹⁄𝑃,𝑖,𝑛)=P* 〖 (1+𝑖) 〗 ^𝑛
5 $353.10 $165.73
Valor final sin amortización ni intereses= $18,358.99 6 $353.10 $161.98
𝐴=𝑃∗(𝐴⁄𝑃,𝑖,𝑛)=𝑃∗𝑖/(1− 〖 (1+𝑖) 〗 ^(−𝑛) ) 7 $353.10 $158.16
8 $353.10 $154.26
Valor de la cuota= $353.10 9 $353.10 $150.29
Tasa efectiva= 26.824179% 10 $353.10 $146.23
11 $353.10 $142.09
12 $353.10 $137.87
13 $353.10 $133.57
14 $353.10 $129.18
15 $353.10 $124.70
16 $353.10 $120.13
17 $353.10 $115.47
18 $353.10 $110.72
19 $353.10 $105.87
20 $353.10 $100.93
21 $353.10 $95.88
22 $353.10 $90.74
23 $353.10 $85.49
24 $353.10 $80.14
25 $353.10 $74.68
26 $353.10 $69.11
27 $353.10 $63.43
28 $353.10 $57.64
29 $353.10 $51.73
30 $353.10 $45.70
31 $353.10 $39.56
32 $353.10 $33.29
33 $353.10 $26.89
34 $353.10 $20.37
35 $353.10 $13.71
36 $353.10 $6.92
VIVIENDA Cuadro de amortización con cuotas fija

Tasa nominal capitalizable mensual= 5.25% Periodo Cuota Interés
Precio= $130,000.00 1 $610.19 $483.44
Inicial= $19,500.00 2 $610.19 $482.88
4 $610.19 $481.77
𝐹=𝑃∗(𝐹⁄𝑃,𝑖,𝑛)=P* 〖 (1+𝑖) 〗 ^𝑛
5 $610.19 $481.20
𝐴=𝑃∗(𝐴⁄𝑃,𝑖,𝑛)=𝑃∗𝑖/(1− 〖 (1+𝑖) 〗 ^(−𝑛) ) 7 $610.19 $480.07
8 $610.19 $479.50
Valor de la cuota= $610.19 9 $610.19 $478.93
Tasa efectiva= 5.378189% 10 $610.19 $478.36
11 $610.19 $477.78
12 $610.19 $477.20
13 $610.19 $476.62
14 $610.19 $476.04
15 $610.19 $475.45
16 $610.19 $474.86
17 $610.19 $474.27
18 $610.19 $473.67
19 $610.19 $473.08
20 $610.19 $472.48
21 $610.19 $471.87
22 $610.19 $471.27
23 $610.19 $470.66
24 $610.19 $470.05
25 $610.19 $469.44
26 $610.19 $468.82
27 $610.19 $468.20
28 $610.19 $467.58
29 $610.19 $466.96
30 $610.19 $466.33
31 $610.19 $465.70
32 $610.19 $465.07
33 $610.19 $464.44
34 $610.19 $463.80
35 $610.19 $463.16
36 $610.19 $462.51
37 $610.19 $461.87
38 $610.19 $461.22
39 $610.19 $460.57
40 $610.19 $459.91
41 $610.19 $459.26
42 $610.19 $458.59
43 $610.19 $457.93
44 $610.19 $457.27
45 $610.19 $456.60
46 $610.19 $455.92
47 $610.19 $455.25
48 $610.19 $454.57
49 $610.19 $453.89
50 $610.19 $453.21
51 $610.19 $452.52
52 $610.19 $451.83
53 $610.19 $451.14
54 $610.19 $450.44
55 $610.19 $449.74
56 $610.19 $449.04
57 $610.19 $448.34
58 $610.19 $447.63
59 $610.19 $446.92
60 $610.19 $446.20
61 $610.19 $445.49
62 $610.19 $444.76
63 $610.19 $444.04
64 $610.19 $443.31
65 $610.19 $442.58
66 $610.19 $441.85
67 $610.19 $441.11
68 $610.19 $440.37
69 $610.19 $439.63
70 $610.19 $438.89
71 $610.19 $438.14
72 $610.19 $437.38
73 $610.19 $436.63
74 $610.19 $435.87
75 $610.19 $435.11
76 $610.19 $434.34
77 $610.19 $433.57
78 $610.19 $432.80
79 $610.19 $432.02
80 $610.19 $431.24
81 $610.19 $430.46
82 $610.19 $429.67
83 $610.19 $428.88
84 $610.19 $428.09
85 $610.19 $427.29
86 $610.19 $426.49
87 $610.19 $425.69
88 $610.19 $424.88
89 $610.19 $424.07
90 $610.19 $423.26
91 $610.19 $422.44
92 $610.19 $421.62
93 $610.19 $420.79
94 $610.19 $419.96
95 $610.19 $419.13
96 $610.19 $418.30
97 $610.19 $417.46
98 $610.19 $416.61
99 $610.19 $415.77
100 $610.19 $414.92
101 $610.19 $414.06
102 $610.19 $413.20
103 $610.19 $412.34
104 $610.19 $411.48
105 $610.19 $410.61
106 $610.19 $409.73
107 $610.19 $408.86
108 $610.19 $407.98
109 $610.19 $407.09
110 $610.19 $406.20
111 $610.19 $405.31
112 $610.19 $404.41
113 $610.19 $403.51
114 $610.19 $402.61
115 $610.19 $401.70
116 $610.19 $400.79
117 $610.19 $399.87
118 $610.19 $398.95
119 $610.19 $398.03
120 $610.19 $397.10
121 $610.19 $396.17
122 $610.19 $395.23
123 $610.19 $394.29
124 $610.19 $393.35
125 $610.19 $392.40
126 $610.19 $391.45
127 $610.19 $390.49
128 $610.19 $389.53
129 $610.19 $388.56
130 $610.19 $387.59
131 $610.19 $386.62
132 $610.19 $385.64
133 $610.19 $384.66
134 $610.19 $383.67
135 $610.19 $382.68
136 $610.19 $381.69
137 $610.19 $380.69
138 $610.19 $379.68
139 $610.19 $378.67
140 $610.19 $377.66
141 $610.19 $376.64
142 $610.19 $375.62
143 $610.19 $374.60
144 $610.19 $373.56
145 $610.19 $372.53
146 $610.19 $371.49
147 $610.19 $370.45
148 $610.19 $369.40
149 $610.19 $368.34
150 $610.19 $367.28
151 $610.19 $366.22
152 $610.19 $365.15
153 $610.19 $364.08
154 $610.19 $363.01
155 $610.19 $361.92
156 $610.19 $360.84
157 $610.19 $359.75
158 $610.19 $358.65
159 $610.19 $357.55
160 $610.19 $356.45
161 $610.19 $355.34
162 $610.19 $354.22
163 $610.19 $353.10
164 $610.19 $351.98
165 $610.19 $350.85
166 $610.19 $349.71
167 $610.19 $348.57
168 $610.19 $347.43
169 $610.19 $346.28
170 $610.19 $345.12
171 $610.19 $343.96
172 $610.19 $342.80
173 $610.19 $341.63
174 $610.19 $340.46
175 $610.19 $339.27
176 $610.19 $338.09
177 $610.19 $336.90
178 $610.19 $335.70
179 $610.19 $334.50
180 $610.19 $333.30
181 $610.19 $332.09
182 $610.19 $330.87
183 $610.19 $329.65
184 $610.19 $328.42
185 $610.19 $327.19
186 $610.19 $325.95
187 $610.19 $324.70
188 $610.19 $323.46
189 $610.19 $322.20
190 $610.19 $320.94
191 $610.19 $319.68
192 $610.19 $318.41
193 $610.19 $317.13
194 $610.19 $315.85
195 $610.19 $314.56
196 $610.19 $313.27
197 $610.19 $311.97
198 $610.19 $310.66
199 $610.19 $309.35
200 $610.19 $308.04
201 $610.19 $306.71
202 $610.19 $305.39
203 $610.19 $304.05
204 $610.19 $302.71
205 $610.19 $301.37
206 $610.19 $300.02
207 $610.19 $298.66
208 $610.19 $297.30
209 $610.19 $295.93
210 $610.19 $294.55
211 $610.19 $293.17
212 $610.19 $291.78
213 $610.19 $290.39
214 $610.19 $288.99
215 $610.19 $287.59
216 $610.19 $286.18
217 $610.19 $284.76
218 $610.19 $283.33
219 $610.19 $281.90
220 $610.19 $280.47
221 $610.19 $279.03
222 $610.19 $277.58
223 $610.19 $276.12
224 $610.19 $274.66
225 $610.19 $273.19
226 $610.19 $271.72
227 $610.19 $270.24
228 $610.19 $268.75
229 $610.19 $267.26
230 $610.19 $265.76
231 $610.19 $264.25
232 $610.19 $262.74
233 $610.19 $261.22
234 $610.19 $259.69
235 $610.19 $258.16
236 $610.19 $256.62
237 $610.19 $255.07
238 $610.19 $253.52
239 $610.19 $251.95
240 $610.19 $250.39
241 $610.19 $248.81
242 $610.19 $247.23
243 $610.19 $245.64
244 $610.19 $244.05
245 $610.19 $242.45
246 $610.19 $240.84
247 $610.19 $239.22
248 $610.19 $237.60
249 $610.19 $235.97
250 $610.19 $234.33
251 $610.19 $232.69
252 $610.19 $231.04
253 $610.19 $229.38
254 $610.19 $227.71
255 $610.19 $226.04
256 $610.19 $224.36
257 $610.19 $222.67
258 $610.19 $220.97
259 $610.19 $219.27
260 $610.19 $217.56
261 $610.19 $215.84
262 $610.19 $214.12
263 $610.19 $212.39
264 $610.19 $210.65
265 $610.19 $208.90
266 $610.19 $207.14
267 $610.19 $205.38
268 $610.19 $203.61
269 $610.19 $201.83
270 $610.19 $200.04
271 $610.19 $198.25
272 $610.19 $196.45
273 $610.19 $194.64
274 $610.19 $192.82
275 $610.19 $190.99
276 $610.19 $189.16
277 $610.19 $187.32
278 $610.19 $185.47
279 $610.19 $183.61
280 $610.19 $181.74
281 $610.19 $179.87
282 $610.19 $177.98
283 $610.19 $176.09
284 $610.19 $174.19
285 $610.19 $172.29
286 $610.19 $170.37
287 $610.19 $168.45
288 $610.19 $166.51
289 $610.19 $164.57
290 $610.19 $162.62
291 $610.19 $160.67
292 $610.19 $158.70
293 $610.19 $156.72
294 $610.19 $154.74
295 $610.19 $152.75
296 $610.19 $150.75
297 $610.19 $148.74
298 $610.19 $146.72
299 $610.19 $144.69
300 $610.19 $142.65
301 $610.19 $140.61
302 $610.19 $138.55
303 $610.19 $136.49
304 $610.19 $134.42
305 $610.19 $132.34
306 $610.19 $130.24
307 $610.19 $128.14
308 $610.19 $126.04
309 $610.19 $123.92
310 $610.19 $121.79
311 $610.19 $119.65
312 $610.19 $117.51
313 $610.19 $115.35
314 $610.19 $113.19
315 $610.19 $111.01
316 $610.19 $108.83
317 $610.19 $106.64
318 $610.19 $104.43
319 $610.19 $102.22
320 $610.19 $100.00
321 $610.19 $97.77
322 $610.19 $95.52
323 $610.19 $93.27
324 $610.19 $91.01
325 $610.19 $88.74
326 $610.19 $86.46
327 $610.19 $84.17
328 $610.19 $81.87
329 $610.19 $79.55
330 $610.19 $77.23
331 $610.19 $74.90
332 $610.19 $72.56
333 $610.19 $70.21
334 $610.19 $67.84
335 $610.19 $65.47
336 $610.19 $63.09
337 $610.19 $60.69
338 $610.19 $58.29
339 $610.19 $55.88
340 $610.19 $53.45
341 $610.19 $51.02
342 $610.19 $48.57
343 $610.19 $46.11
344 $610.19 $43.64
345 $610.19 $41.17
346 $610.19 $38.68
347 $610.19 $36.18
348 $610.19 $33.66
349 $610.19 $31.14
350 $610.19 $28.61
351 $610.19 $26.06
352 $610.19 $23.51
353 $610.19 $20.94
354 $610.19 $18.36
355 $610.19 $15.77
356 $610.19 $13.17
357 $610.19 $10.56
358 $610.19 $7.94
359 $610.19 $5.30
360 $610.19 $2.66
ortización con cuotas fijas Cuadro de amortización con amortoizacion constante
Amortización Saldo Deudor Periodo Cuota Interés Amortización Saldo Deudor
- $9,000.00 0 - - - $9,000.00
$173.10 $8,826.90 1 $430.00 $180.00 $250.00 $8,750.00
$176.56 $8,650.35 2 $425.00 $175.00 $250.00 $8,500.00
$180.09 $8,470.26 3 $420.00 $170.00 $250.00 $8,250.00
$183.69 $8,286.57 4 $415.00 $165.00 $250.00 $8,000.00
$187.36 $8,099.20 5 $410.00 $160.00 $250.00 $7,750.00
$191.11 $7,908.09 6 $405.00 $155.00 $250.00 $7,500.00
$194.93 $7,713.16 7 $400.00 $150.00 $250.00 $7,250.00
$198.83 $7,514.33 8 $395.00 $145.00 $250.00 $7,000.00
$202.81 $7,311.52 9 $390.00 $140.00 $250.00 $6,750.00
$206.87 $7,104.65 10 $385.00 $135.00 $250.00 $6,500.00
$211.00 $6,893.65 11 $380.00 $130.00 $250.00 $6,250.00
$215.22 $6,678.43 12 $375.00 $125.00 $250.00 $6,000.00
$219.53 $6,458.90 13 $370.00 $120.00 $250.00 $5,750.00
$223.92 $6,234.98 14 $365.00 $115.00 $250.00 $5,500.00
$228.40 $6,006.58 15 $360.00 $110.00 $250.00 $5,250.00
$232.96 $5,773.62 16 $355.00 $105.00 $250.00 $5,000.00
$237.62 $5,536.00 17 $350.00 $100.00 $250.00 $4,750.00
$242.38 $5,293.62 18 $345.00 $95.00 $250.00 $4,500.00
$247.22 $5,046.40 19 $340.00 $90.00 $250.00 $4,250.00
$252.17 $4,794.23 20 $335.00 $85.00 $250.00 $4,000.00
$257.21 $4,537.02 21 $330.00 $80.00 $250.00 $3,750.00
$262.36 $4,274.66 22 $325.00 $75.00 $250.00 $3,500.00
$267.60 $4,007.06 23 $320.00 $70.00 $250.00 $3,250.00
$272.95 $3,734.11 24 $315.00 $65.00 $250.00 $3,000.00
$278.41 $3,455.69 25 $310.00 $60.00 $250.00 $2,750.00
$283.98 $3,171.71 26 $305.00 $55.00 $250.00 $2,500.00
$289.66 $2,882.05 27 $300.00 $50.00 $250.00 $2,250.00
$295.45 $2,586.60 28 $295.00 $45.00 $250.00 $2,000.00
$301.36 $2,285.23 29 $290.00 $40.00 $250.00 $1,750.00
$307.39 $1,977.84 30 $285.00 $35.00 $250.00 $1,500.00
$313.54 $1,664.30 31 $280.00 $30.00 $250.00 $1,250.00
$319.81 $1,344.49 32 $275.00 $25.00 $250.00 $1,000.00
$326.21 $1,018.29 33 $270.00 $20.00 $250.00 $750.00
$332.73 $685.56 34 $265.00 $15.00 $250.00 $500.00
$339.38 $346.17 35 $260.00 $10.00 $250.00 $250.00
$346.17 $0.00 36 $255.00 $5.00 $250.00 $0.00
ortización con cuotas fijas Cuadro de amortización con amortoizacion constante

Amortización Saldo Deudor Periodo Cuota Interés Amortización Saldo Deudor
- $110,500.00 0 - - - $110,500.00
$126.75 $110,373.25 1 $790.38 $483.44 $306.94 $110,193.06
$127.30 $110,245.95 2 $789.04 $482.09 $306.94 $109,886.11
$127.86 $110,118.09 3 $787.70 $480.75 $306.94 $109,579.17
$128.42 $109,989.67 4 $786.35 $479.41 $306.94 $109,272.22
$128.98 $109,860.69 5 $785.01 $478.07 $306.94 $108,965.28
$129.54 $109,731.15 6 $783.67 $476.72 $306.94 $108,658.33
$130.11 $109,601.04 7 $782.32 $475.38 $306.94 $108,351.39
$130.68 $109,470.36 8 $780.98 $474.04 $306.94 $108,044.44
$131.25 $109,339.10 9 $779.64 $472.69 $306.94 $107,737.50
$131.83 $109,207.28 10 $778.30 $471.35 $306.94 $107,430.56
$132.40 $109,074.87 11 $776.95 $470.01 $306.94 $107,123.61
$132.98 $108,941.89 12 $775.61 $468.67 $306.94 $106,816.67
$133.56 $108,808.33 13 $774.27 $467.32 $306.94 $106,509.72
$134.15 $108,674.18 14 $772.92 $465.98 $306.94 $106,202.78
$134.74 $108,539.44 15 $771.58 $464.64 $306.94 $105,895.83
$135.33 $108,404.12 16 $770.24 $463.29 $306.94 $105,588.89
$135.92 $108,268.20 17 $768.90 $461.95 $306.94 $105,281.94
$136.51 $108,131.69 18 $767.55 $460.61 $306.94 $104,975.00
$137.11 $107,994.58 19 $766.21 $459.27 $306.94 $104,668.06
$137.71 $107,856.87 20 $764.87 $457.92 $306.94 $104,361.11
$138.31 $107,718.56 21 $763.52 $456.58 $306.94 $104,054.17
$138.92 $107,579.64 22 $762.18 $455.24 $306.94 $103,747.22
$139.52 $107,440.12 23 $760.84 $453.89 $306.94 $103,440.28
$140.13 $107,299.99 24 $759.50 $452.55 $306.94 $103,133.33
$140.75 $107,159.24 25 $758.15 $451.21 $306.94 $102,826.39
$141.36 $107,017.87 26 $756.81 $449.87 $306.94 $102,519.44
$141.98 $106,875.89 27 $755.47 $448.52 $306.94 $102,212.50
$142.60 $106,733.29 28 $754.12 $447.18 $306.94 $101,905.56
$143.23 $106,590.06 29 $752.78 $445.84 $306.94 $101,598.61
$143.85 $106,446.21 30 $751.44 $444.49 $306.94 $101,291.67
$144.48 $106,301.73 31 $750.10 $443.15 $306.94 $100,984.72
$145.12 $106,156.61 32 $748.75 $441.81 $306.94 $100,677.78
$145.75 $106,010.86 33 $747.41 $440.47 $306.94 $100,370.83
$146.39 $105,864.47 34 $746.07 $439.12 $306.94 $100,063.89
$147.03 $105,717.44 35 $744.72 $437.78 $306.94 $99,756.94
$147.67 $105,569.77 36 $743.38 $436.44 $306.94 $99,450.00
$148.32 $105,421.46 37 $742.04 $435.09 $306.94 $99,143.06
$148.97 $105,272.49 38 $740.70 $433.75 $306.94 $98,836.11
$149.62 $105,122.87 39 $739.35 $432.41 $306.94 $98,529.17
$150.27 $104,972.60 40 $738.01 $431.07 $306.94 $98,222.22
$150.93 $104,821.67 41 $736.67 $429.72 $306.94 $97,915.28
$151.59 $104,670.08 42 $735.32 $428.38 $306.94 $97,608.33
$152.25 $104,517.83 43 $733.98 $427.04 $306.94 $97,301.39
$152.92 $104,364.91 44 $732.64 $425.69 $306.94 $96,994.44
$153.59 $104,211.32 45 $731.30 $424.35 $306.94 $96,687.50
$154.26 $104,057.06 46 $729.95 $423.01 $306.94 $96,380.56
$154.94 $103,902.12 47 $728.61 $421.66 $306.94 $96,073.61
$155.61 $103,746.51 48 $727.27 $420.32 $306.94 $95,766.67
$156.29 $103,590.21 49 $725.92 $418.98 $306.94 $95,459.72
$156.98 $103,433.24 50 $724.58 $417.64 $306.94 $95,152.78
$157.66 $103,275.57 51 $723.24 $416.29 $306.94 $94,845.83
$158.35 $103,117.22 52 $721.89 $414.95 $306.94 $94,538.89
$159.05 $102,958.17 53 $720.55 $413.61 $306.94 $94,231.94
$159.74 $102,798.43 54 $719.21 $412.26 $306.94 $93,925.00
$160.44 $102,637.98 55 $717.87 $410.92 $306.94 $93,618.06
$161.14 $102,476.84 56 $716.52 $409.58 $306.94 $93,311.11
$161.85 $102,314.99 57 $715.18 $408.24 $306.94 $93,004.17
$162.56 $102,152.44 58 $713.84 $406.89 $306.94 $92,697.22
$163.27 $101,989.17 59 $712.49 $405.55 $306.94 $92,390.28
$163.98 $101,825.18 60 $711.15 $404.21 $306.94 $92,083.33
$164.70 $101,660.48 61 $709.81 $402.86 $306.94 $91,776.39
$165.42 $101,495.06 62 $708.47 $401.52 $306.94 $91,469.44
$166.14 $101,328.92 63 $707.12 $400.18 $306.94 $91,162.50
$166.87 $101,162.05 64 $705.78 $398.84 $306.94 $90,855.56
$167.60 $100,994.45 65 $704.44 $397.49 $306.94 $90,548.61
$168.33 $100,826.11 66 $703.09 $396.15 $306.94 $90,241.67
$169.07 $100,657.04 67 $701.75 $394.81 $306.94 $89,934.72
$169.81 $100,487.23 68 $700.41 $393.46 $306.94 $89,627.78
$170.55 $100,316.68 69 $699.07 $392.12 $306.94 $89,320.83
$171.30 $100,145.38 70 $697.72 $390.78 $306.94 $89,013.89
$172.05 $99,973.33 71 $696.38 $389.44 $306.94 $88,706.94
$172.80 $99,800.53 72 $695.04 $388.09 $306.94 $88,400.00
$173.56 $99,626.97 73 $693.69 $386.75 $306.94 $88,093.06
$174.32 $99,452.65 74 $692.35 $385.41 $306.94 $87,786.11
$175.08 $99,277.57 75 $691.01 $384.06 $306.94 $87,479.17
$175.85 $99,101.73 76 $689.67 $382.72 $306.94 $87,172.22
$176.62 $98,925.11 77 $688.32 $381.38 $306.94 $86,865.28
$177.39 $98,747.72 78 $686.98 $380.04 $306.94 $86,558.33
$178.16 $98,569.56 79 $685.64 $378.69 $306.94 $86,251.39
$178.94 $98,390.62 80 $684.29 $377.35 $306.94 $85,944.44
$179.73 $98,210.89 81 $682.95 $376.01 $306.94 $85,637.50
$180.51 $98,030.38 82 $681.61 $374.66 $306.94 $85,330.56
$181.30 $97,849.08 83 $680.27 $373.32 $306.94 $85,023.61
$182.10 $97,666.98 84 $678.92 $371.98 $306.94 $84,716.67
$182.89 $97,484.09 85 $677.58 $370.64 $306.94 $84,409.72
$183.69 $97,300.40 86 $676.24 $369.29 $306.94 $84,102.78
$184.50 $97,115.90 87 $674.89 $367.95 $306.94 $83,795.83
$185.30 $96,930.60 88 $673.55 $366.61 $306.94 $83,488.89
$186.11 $96,744.48 89 $672.21 $365.26 $306.94 $83,181.94
$186.93 $96,557.56 90 $670.87 $363.92 $306.94 $82,875.00
$187.75 $96,369.81 91 $669.52 $362.58 $306.94 $82,568.06
$188.57 $96,181.24 92 $668.18 $361.24 $306.94 $82,261.11
$189.39 $95,991.85 93 $666.84 $359.89 $306.94 $81,954.17
$190.22 $95,801.63 94 $665.49 $358.55 $306.94 $81,647.22
$191.05 $95,610.58 95 $664.15 $357.21 $306.94 $81,340.28
$191.89 $95,418.69 96 $662.81 $355.86 $306.94 $81,033.33
$192.73 $95,225.96 97 $661.47 $354.52 $306.94 $80,726.39
$193.57 $95,032.39 98 $660.12 $353.18 $306.94 $80,419.44
$194.42 $94,837.97 99 $658.78 $351.84 $306.94 $80,112.50
$195.27 $94,642.70 100 $657.44 $350.49 $306.94 $79,805.56
$196.12 $94,446.58 101 $656.09 $349.15 $306.94 $79,498.61
$196.98 $94,249.60 102 $654.75 $347.81 $306.94 $79,191.67
$197.84 $94,051.75 103 $653.41 $346.46 $306.94 $78,884.72
$198.71 $93,853.05 104 $652.07 $345.12 $306.94 $78,577.78
$199.58 $93,653.47 105 $650.72 $343.78 $306.94 $78,270.83
$200.45 $93,453.02 106 $649.38 $342.43 $306.94 $77,963.89
$201.33 $93,251.69 107 $648.04 $341.09 $306.94 $77,656.94
$202.21 $93,049.48 108 $646.69 $339.75 $306.94 $77,350.00
$203.09 $92,846.39 109 $645.35 $338.41 $306.94 $77,043.06
$203.98 $92,642.40 110 $644.01 $337.06 $306.94 $76,736.11
$204.87 $92,437.53 111 $642.66 $335.72 $306.94 $76,429.17
$205.77 $92,231.76 112 $641.32 $334.38 $306.94 $76,122.22
$206.67 $92,025.09 113 $639.98 $333.03 $306.94 $75,815.28
$207.58 $91,817.51 114 $638.64 $331.69 $306.94 $75,508.33
$208.48 $91,609.03 115 $637.29 $330.35 $306.94 $75,201.39
$209.40 $91,399.63 116 $635.95 $329.01 $306.94 $74,894.44
$210.31 $91,189.32 117 $634.61 $327.66 $306.94 $74,587.50
$211.23 $90,978.09 118 $633.26 $326.32 $306.94 $74,280.56
$212.16 $90,765.93 119 $631.92 $324.98 $306.94 $73,973.61
$213.08 $90,552.85 120 $630.58 $323.63 $306.94 $73,666.67
$214.02 $90,338.83 121 $629.24 $322.29 $306.94 $73,359.72
$214.95 $90,123.88 122 $627.89 $320.95 $306.94 $73,052.78
$215.89 $89,907.99 123 $626.55 $319.61 $306.94 $72,745.83
$216.84 $89,691.15 124 $625.21 $318.26 $306.94 $72,438.89
$217.79 $89,473.36 125 $623.86 $316.92 $306.94 $72,131.94
$218.74 $89,254.62 126 $622.52 $315.58 $306.94 $71,825.00
$219.70 $89,034.93 127 $621.18 $314.23 $306.94 $71,518.06
$220.66 $88,814.27 128 $619.84 $312.89 $306.94 $71,211.11
$221.62 $88,592.65 129 $618.49 $311.55 $306.94 $70,904.17
$222.59 $88,370.06 130 $617.15 $310.21 $306.94 $70,597.22
$223.57 $88,146.49 131 $615.81 $308.86 $306.94 $70,290.28
$224.54 $87,921.95 132 $614.46 $307.52 $306.94 $69,983.33
$225.53 $87,696.42 133 $613.12 $306.18 $306.94 $69,676.39
$226.51 $87,469.91 134 $611.78 $304.83 $306.94 $69,369.44
$227.50 $87,242.40 135 $610.44 $303.49 $306.94 $69,062.50
$228.50 $87,013.90 136 $609.09 $302.15 $306.94 $68,755.56
$229.50 $86,784.40 137 $607.75 $300.81 $306.94 $68,448.61
$230.50 $86,553.90 138 $606.41 $299.46 $306.94 $68,141.67
$231.51 $86,322.39 139 $605.06 $298.12 $306.94 $67,834.72
$232.52 $86,089.86 140 $603.72 $296.78 $306.94 $67,527.78
$233.54 $85,856.32 141 $602.38 $295.43 $306.94 $67,220.83
$234.56 $85,621.76 142 $601.04 $294.09 $306.94 $66,913.89
$235.59 $85,386.17 143 $599.69 $292.75 $306.94 $66,606.94
$236.62 $85,149.55 144 $598.35 $291.41 $306.94 $66,300.00
$237.66 $84,911.89 145 $597.01 $290.06 $306.94 $65,993.06
$238.70 $84,673.19 146 $595.66 $288.72 $306.94 $65,686.11
$239.74 $84,433.46 147 $594.32 $287.38 $306.94 $65,379.17
$240.79 $84,192.67 148 $592.98 $286.03 $306.94 $65,072.22
$241.84 $83,950.82 149 $591.64 $284.69 $306.94 $64,765.28
$242.90 $83,707.92 150 $590.29 $283.35 $306.94 $64,458.33
$243.96 $83,463.96 151 $588.95 $282.01 $306.94 $64,151.39
$245.03 $83,218.93 152 $587.61 $280.66 $306.94 $63,844.44
$246.10 $82,972.83 153 $586.26 $279.32 $306.94 $63,537.50
$247.18 $82,725.65 154 $584.92 $277.98 $306.94 $63,230.56
$248.26 $82,477.39 155 $583.58 $276.63 $306.94 $62,923.61
$249.35 $82,228.04 156 $582.24 $275.29 $306.94 $62,616.67
$250.44 $81,977.61 157 $580.89 $273.95 $306.94 $62,309.72
$251.53 $81,726.07 158 $579.55 $272.61 $306.94 $62,002.78
$252.63 $81,473.44 159 $578.21 $271.26 $306.94 $61,695.83
$253.74 $81,219.70 160 $576.86 $269.92 $306.94 $61,388.89
$254.85 $80,964.85 161 $575.52 $268.58 $306.94 $61,081.94
$255.96 $80,708.89 162 $574.18 $267.23 $306.94 $60,775.00
$257.08 $80,451.80 163 $572.84 $265.89 $306.94 $60,468.06
$258.21 $80,193.59 164 $571.49 $264.55 $306.94 $60,161.11
$259.34 $79,934.26 165 $570.15 $263.20 $306.94 $59,854.17
$260.47 $79,673.78 166 $568.81 $261.86 $306.94 $59,547.22
$261.61 $79,412.17 167 $567.46 $260.52 $306.94 $59,240.28
$262.76 $79,149.41 168 $566.12 $259.18 $306.94 $58,933.33
$263.91 $78,885.51 169 $564.78 $257.83 $306.94 $58,626.39
$265.06 $78,620.45 170 $563.43 $256.49 $306.94 $58,319.44
$266.22 $78,354.23 171 $562.09 $255.15 $306.94 $58,012.50
$267.39 $78,086.84 172 $560.75 $253.80 $306.94 $57,705.56
$268.56 $77,818.29 173 $559.41 $252.46 $306.94 $57,398.61
$269.73 $77,548.56 174 $558.06 $251.12 $306.94 $57,091.67
$270.91 $77,277.65 175 $556.72 $249.78 $306.94 $56,784.72
$272.10 $77,005.55 176 $555.38 $248.43 $306.94 $56,477.78
$273.29 $76,732.26 177 $554.03 $247.09 $306.94 $56,170.83
$274.48 $76,457.78 178 $552.69 $245.75 $306.94 $55,863.89
$275.68 $76,182.10 179 $551.35 $244.40 $306.94 $55,556.94
$276.89 $75,905.21 180 $550.01 $243.06 $306.94 $55,250.00
$278.10 $75,627.11 181 $548.66 $241.72 $306.94 $54,943.06
$279.32 $75,347.80 182 $547.32 $240.38 $306.94 $54,636.11
$280.54 $75,067.26 183 $545.98 $239.03 $306.94 $54,329.17
$281.77 $74,785.49 184 $544.63 $237.69 $306.94 $54,022.22
$283.00 $74,502.49 185 $543.29 $236.35 $306.94 $53,715.28
$284.24 $74,218.26 186 $541.95 $235.00 $306.94 $53,408.33
$285.48 $73,932.78 187 $540.61 $233.66 $306.94 $53,101.39
$286.73 $73,646.05 188 $539.26 $232.32 $306.94 $52,794.44
$287.98 $73,358.06 189 $537.92 $230.98 $306.94 $52,487.50
$289.24 $73,068.82 190 $536.58 $229.63 $306.94 $52,180.56
$290.51 $72,778.31 191 $535.23 $228.29 $306.94 $51,873.61
$291.78 $72,486.53 192 $533.89 $226.95 $306.94 $51,566.67
$293.06 $72,193.47 193 $532.55 $225.60 $306.94 $51,259.72
$294.34 $71,899.14 194 $531.21 $224.26 $306.94 $50,952.78
$295.63 $71,603.51 195 $529.86 $222.92 $306.94 $50,645.83
$296.92 $71,306.59 196 $528.52 $221.58 $306.94 $50,338.89
$298.22 $71,008.37 197 $527.18 $220.23 $306.94 $50,031.94
$299.52 $70,708.85 198 $525.83 $218.89 $306.94 $49,725.00
$300.83 $70,408.01 199 $524.49 $217.55 $306.94 $49,418.06
$302.15 $70,105.86 200 $523.15 $216.20 $306.94 $49,111.11
$303.47 $69,802.39 201 $521.81 $214.86 $306.94 $48,804.17
$304.80 $69,497.59 202 $520.46 $213.52 $306.94 $48,497.22
$306.13 $69,191.46 203 $519.12 $212.18 $306.94 $48,190.28
$307.47 $68,883.99 204 $517.78 $210.83 $306.94 $47,883.33
$308.82 $68,575.17 205 $516.43 $209.49 $306.94 $47,576.39
$310.17 $68,265.00 206 $515.09 $208.15 $306.94 $47,269.44
$311.53 $67,953.47 207 $513.75 $206.80 $306.94 $46,962.50
$312.89 $67,640.59 208 $512.41 $205.46 $306.94 $46,655.56
$314.26 $67,326.33 209 $511.06 $204.12 $306.94 $46,348.61
$315.63 $67,010.70 210 $509.72 $202.78 $306.94 $46,041.67
$317.01 $66,693.68 211 $508.38 $201.43 $306.94 $45,734.72
$318.40 $66,375.28 212 $507.03 $200.09 $306.94 $45,427.78
$319.79 $66,055.49 213 $505.69 $198.75 $306.94 $45,120.83
$321.19 $65,734.30 214 $504.35 $197.40 $306.94 $44,813.89
$322.60 $65,411.70 215 $503.01 $196.06 $306.94 $44,506.94
$324.01 $65,087.69 216 $501.66 $194.72 $306.94 $44,200.00
$325.43 $64,762.26 217 $500.32 $193.38 $306.94 $43,893.06
$326.85 $64,435.41 218 $498.98 $192.03 $306.94 $43,586.11
$328.28 $64,107.13 219 $497.63 $190.69 $306.94 $43,279.17
$329.72 $63,777.42 220 $496.29 $189.35 $306.94 $42,972.22
$331.16 $63,446.26 221 $494.95 $188.00 $306.94 $42,665.28
$332.61 $63,113.65 222 $493.61 $186.66 $306.94 $42,358.33
$334.06 $62,779.59 223 $492.26 $185.32 $306.94 $42,051.39
$335.52 $62,444.06 224 $490.92 $183.97 $306.94 $41,744.44
$336.99 $62,107.07 225 $489.58 $182.63 $306.94 $41,437.50
$338.47 $61,768.60 226 $488.23 $181.29 $306.94 $41,130.56
$339.95 $61,428.66 227 $486.89 $179.95 $306.94 $40,823.61
$341.43 $61,087.22 228 $485.55 $178.60 $306.94 $40,516.67
$342.93 $60,744.29 229 $484.20 $177.26 $306.94 $40,209.72
$344.43 $60,399.87 230 $482.86 $175.92 $306.94 $39,902.78
$345.94 $60,053.93 231 $481.52 $174.57 $306.94 $39,595.83
$347.45 $59,706.48 232 $480.18 $173.23 $306.94 $39,288.89
$348.97 $59,357.51 233 $478.83 $171.89 $306.94 $38,981.94
$350.50 $59,007.02 234 $477.49 $170.55 $306.94 $38,675.00
$352.03 $58,654.99 235 $476.15 $169.20 $306.94 $38,368.06
$353.57 $58,301.42 236 $474.80 $167.86 $306.94 $38,061.11
$355.12 $57,946.30 237 $473.46 $166.52 $306.94 $37,754.17
$356.67 $57,589.63 238 $472.12 $165.17 $306.94 $37,447.22
$358.23 $57,231.40 239 $470.78 $163.83 $306.94 $37,140.28
$359.80 $56,871.60 240 $469.43 $162.49 $306.94 $36,833.33
$361.37 $56,510.23 241 $468.09 $161.15 $306.94 $36,526.39
$362.95 $56,147.28 242 $466.75 $159.80 $306.94 $36,219.44
$364.54 $55,782.74 243 $465.40 $158.46 $306.94 $35,912.50
$366.14 $55,416.60 244 $464.06 $157.12 $306.94 $35,605.56
$367.74 $55,048.86 245 $462.72 $155.77 $306.94 $35,298.61
$369.35 $54,679.52 246 $461.38 $154.43 $306.94 $34,991.67
$370.96 $54,308.55 247 $460.03 $153.09 $306.94 $34,684.72
$372.59 $53,935.97 248 $458.69 $151.75 $306.94 $34,377.78
$374.22 $53,561.75 249 $457.35 $150.40 $306.94 $34,070.83
$375.85 $53,185.90 250 $456.00 $149.06 $306.94 $33,763.89
$377.50 $52,808.41 251 $454.66 $147.72 $306.94 $33,456.94
$379.15 $52,429.26 252 $453.32 $146.37 $306.94 $33,150.00
$380.81 $52,048.45 253 $451.98 $145.03 $306.94 $32,843.06
$382.47 $51,665.98 254 $450.63 $143.69 $306.94 $32,536.11
$384.15 $51,281.83 255 $449.29 $142.35 $306.94 $32,229.17
$385.83 $50,896.00 256 $447.95 $141.00 $306.94 $31,922.22
$387.52 $50,508.49 257 $446.60 $139.66 $306.94 $31,615.28
$389.21 $50,119.28 258 $445.26 $138.32 $306.94 $31,308.33
$390.91 $49,728.36 259 $443.92 $136.97 $306.94 $31,001.39
$392.62 $49,335.74 260 $442.58 $135.63 $306.94 $30,694.44
$394.34 $48,941.40 261 $441.23 $134.29 $306.94 $30,387.50
$396.07 $48,545.33 262 $439.89 $132.95 $306.94 $30,080.56
$397.80 $48,147.53 263 $438.55 $131.60 $306.94 $29,773.61
$399.54 $47,747.99 264 $437.20 $130.26 $306.94 $29,466.67
$401.29 $47,346.71 265 $435.86 $128.92 $306.94 $29,159.72
$403.04 $46,943.66 266 $434.52 $127.57 $306.94 $28,852.78
$404.81 $46,538.86 267 $433.18 $126.23 $306.94 $28,545.83
$406.58 $46,132.28 268 $431.83 $124.89 $306.94 $28,238.89
$408.36 $45,723.92 269 $430.49 $123.55 $306.94 $27,931.94
$410.14 $45,313.78 270 $429.15 $122.20 $306.94 $27,625.00
$411.94 $44,901.84 271 $427.80 $120.86 $306.94 $27,318.06
$413.74 $44,488.10 272 $426.46 $119.52 $306.94 $27,011.11
$415.55 $44,072.55 273 $425.12 $118.17 $306.94 $26,704.17
$417.37 $43,655.19 274 $423.78 $116.83 $306.94 $26,397.22
$419.19 $43,235.99 275 $422.43 $115.49 $306.94 $26,090.28
$421.03 $42,814.96 276 $421.09 $114.14 $306.94 $25,783.33
$422.87 $42,392.09 277 $419.75 $112.80 $306.94 $25,476.39
$424.72 $41,967.38 278 $418.40 $111.46 $306.94 $25,169.44
$426.58 $41,540.80 279 $417.06 $110.12 $306.94 $24,862.50
$428.44 $41,112.35 280 $415.72 $108.77 $306.94 $24,555.56
$430.32 $40,682.03 281 $414.38 $107.43 $306.94 $24,248.61
$432.20 $40,249.83 282 $413.03 $106.09 $306.94 $23,941.67
$434.09 $39,815.74 283 $411.69 $104.74 $306.94 $23,634.72
$435.99 $39,379.75 284 $410.35 $103.40 $306.94 $23,327.78
$437.90 $38,941.85 285 $409.00 $102.06 $306.94 $23,020.83
$439.81 $38,502.04 286 $407.66 $100.72 $306.94 $22,713.89
$441.74 $38,060.30 287 $406.32 $99.37 $306.94 $22,406.94
$443.67 $37,616.63 288 $404.97 $98.03 $306.94 $22,100.00
$445.61 $37,171.01 289 $403.63 $96.69 $306.94 $21,793.06
$447.56 $36,723.45 290 $402.29 $95.34 $306.94 $21,486.11
$449.52 $36,273.93 291 $400.95 $94.00 $306.94 $21,179.17
$451.49 $35,822.45 292 $399.60 $92.66 $306.94 $20,872.22
$453.46 $35,368.98 293 $398.26 $91.32 $306.94 $20,565.28
$455.45 $34,913.54 294 $396.92 $89.97 $306.94 $20,258.33
$457.44 $34,456.10 295 $395.57 $88.63 $306.94 $19,951.39
$459.44 $33,996.66 296 $394.23 $87.29 $306.94 $19,644.44
$461.45 $33,535.21 297 $392.89 $85.94 $306.94 $19,337.50
$463.47 $33,071.74 298 $391.55 $84.60 $306.94 $19,030.56
$465.50 $32,606.25 299 $390.20 $83.26 $306.94 $18,723.61
$467.53 $32,138.71 300 $388.86 $81.92 $306.94 $18,416.67
$469.58 $31,669.14 301 $387.52 $80.57 $306.94 $18,109.72
$471.63 $31,197.50 302 $386.17 $79.23 $306.94 $17,802.78
$473.70 $30,723.81 303 $384.83 $77.89 $306.94 $17,495.83
$475.77 $30,248.04 304 $383.49 $76.54 $306.94 $17,188.89
$477.85 $29,770.19 305 $382.15 $75.20 $306.94 $16,881.94
$479.94 $29,290.25 306 $380.80 $73.86 $306.94 $16,575.00
$482.04 $28,808.21 307 $379.46 $72.52 $306.94 $16,268.06
$484.15 $28,324.06 308 $378.12 $71.17 $306.94 $15,961.11
$486.27 $27,837.79 309 $376.77 $69.83 $306.94 $15,654.17
$488.39 $27,349.40 310 $375.43 $68.49 $306.94 $15,347.22
$490.53 $26,858.86 311 $374.09 $67.14 $306.94 $15,040.28
$492.68 $26,366.19 312 $372.75 $65.80 $306.94 $14,733.33
$494.83 $25,871.35 313 $371.40 $64.46 $306.94 $14,426.39
$497.00 $25,374.36 314 $370.06 $63.12 $306.94 $14,119.44
$499.17 $24,875.18 315 $368.72 $61.77 $306.94 $13,812.50
$501.36 $24,373.83 316 $367.37 $60.43 $306.94 $13,505.56
$503.55 $23,870.28 317 $366.03 $59.09 $306.94 $13,198.61
$505.75 $23,364.53 318 $364.69 $57.74 $306.94 $12,891.67
$507.97 $22,856.56 319 $363.35 $56.40 $306.94 $12,584.72
$510.19 $22,346.37 320 $362.00 $55.06 $306.94 $12,277.78
$512.42 $21,833.95 321 $360.66 $53.72 $306.94 $11,970.83
$514.66 $21,319.29 322 $359.32 $52.37 $306.94 $11,663.89
$516.91 $20,802.38 323 $357.97 $51.03 $306.94 $11,356.94
$519.17 $20,283.20 324 $356.63 $49.69 $306.94 $11,050.00
$521.45 $19,761.76 325 $355.29 $48.34 $306.94 $10,743.06
$523.73 $19,238.03 326 $353.95 $47.00 $306.94 $10,436.11
$526.02 $18,712.01 327 $352.60 $45.66 $306.94 $10,129.17
$528.32 $18,183.69 328 $351.26 $44.32 $306.94 $9,822.22
$530.63 $17,653.06 329 $349.92 $42.97 $306.94 $9,515.28
$532.95 $17,120.11 330 $348.57 $41.63 $306.94 $9,208.33
$535.28 $16,584.82 331 $347.23 $40.29 $306.94 $8,901.39
$537.63 $16,047.20 332 $345.89 $38.94 $306.94 $8,594.44
$539.98 $15,507.22 333 $344.55 $37.60 $306.94 $8,287.50
$542.34 $14,964.88 334 $343.20 $36.26 $306.94 $7,980.56
$544.71 $14,420.16 335 $341.86 $34.91 $306.94 $7,673.61
$547.10 $13,873.07 336 $340.52 $33.57 $306.94 $7,366.67
$549.49 $13,323.57 337 $339.17 $32.23 $306.94 $7,059.72
$551.89 $12,771.68 338 $337.83 $30.89 $306.94 $6,752.78
$554.31 $12,217.37 339 $336.49 $29.54 $306.94 $6,445.83
$556.73 $11,660.64 340 $335.14 $28.20 $306.94 $6,138.89
$559.17 $11,101.47 341 $333.80 $26.86 $306.94 $5,831.94
$561.62 $10,539.85 342 $332.46 $25.51 $306.94 $5,525.00
$564.07 $9,975.78 343 $331.12 $24.17 $306.94 $5,218.06
$566.54 $9,409.24 344 $329.77 $22.83 $306.94 $4,911.11
$569.02 $8,840.22 345 $328.43 $21.49 $306.94 $4,604.17
$571.51 $8,268.71 346 $327.09 $20.14 $306.94 $4,297.22
$574.01 $7,694.70 347 $325.74 $18.80 $306.94 $3,990.28
$576.52 $7,118.18 348 $324.40 $17.46 $306.94 $3,683.33
$579.04 $6,539.13 349 $323.06 $16.11 $306.94 $3,376.39
$581.58 $5,957.56 350 $321.72 $14.77 $306.94 $3,069.44
$584.12 $5,373.44 351 $320.37 $13.43 $306.94 $2,762.50
$586.68 $4,786.76 352 $319.03 $12.09 $306.94 $2,455.56
$589.24 $4,197.52 353 $317.69 $10.74 $306.94 $2,148.61
$591.82 $3,605.70 354 $316.34 $9.40 $306.94 $1,841.67
$594.41 $3,011.29 355 $315.00 $8.06 $306.94 $1,534.72
$597.01 $2,414.28 356 $313.66 $6.71 $306.94 $1,227.78
$599.62 $1,814.65 357 $312.32 $5.37 $306.94 $920.83
$602.25 $1,212.41 358 $310.97 $4.03 $306.94 $613.89
$604.88 $607.53 359 $309.63 $2.69 $306.94 $306.94
$607.53 $0.00 360 $308.29 $1.34 $306.94 $0.00
Información del Banco y Requisistos
El Programa Comunidad Scotiabank fue creado con el fin de centrar nuestro

trabajo filantrópico y ayudarnos a tener una mayor influencia positiva en las
organizaciones benéficas dedicadas a la infancia.
Durante más de 175 años, Scotiabank ha sido reconocido por ser una institución
financiera destacada internacionalmente. Gracias a su alcance global, tenemos
la oportunidad de ayudar a niños de distintos lugares del mundo. Los
empleados de Scotiabank tenemos un largo historial de servicio comunitario
dedicado a mejorar la calidad de vida en los lugares donde vivimos. En efecto,
todos los años, los empleados de nuestra institución donan más de 300,000
horas de trabajo voluntario a sus comunidades.
AUTOMOVILE
S
VIVIENDAS
entrar nuestro
positiva en las
ser una institución

global, tenemos
do. Los
o comunitario
imos. En efecto,
s de 300,000
AUTOMOVIL Cuadro de amortización con cuotas fijas
Precio= $12,000.00 1 $371.86 $209.36
Inicial= $3,000.00 2 $371.86 $205.58
4 $371.86 $197.76
𝐹=𝑃∗(𝐹⁄𝑃,𝑖,𝑛)=P* 〖 (1+𝑖) 〗 ^𝑛
5 $371.86 $193.71
𝐴=𝑃∗(𝐴⁄𝑃,𝑖,𝑛)=𝑃∗𝑖/(1− 〖 (1+𝑖) 〗 ^(−𝑛) ) 7 $371.86 $185.32
8 $371.86 $180.98
Valor de la cuota= $371.86 9 $371.86 $176.54
Tasa efectiva= 31.778544% 10 $371.86 $172.00
11 $371.86 $167.35
12 $371.86 $162.59
13 $371.86 $157.72
14 $371.86 $152.74
15 $371.86 $147.64
16 $371.86 $142.43
17 $371.86 $137.09
18 $371.86 $131.63
19 $371.86 $126.04
20 $371.86 $120.32
21 $371.86 $114.47
22 $371.86 $108.49
23 $371.86 $102.36
24 $371.86 $96.09
25 $371.86 $89.67
26 $371.86 $83.11
27 $371.86 $76.39
28 $371.86 $69.52
29 $371.86 $62.49
30 $371.86 $55.29
31 $371.86 $47.93
32 $371.86 $40.39
33 $371.86 $32.68
34 $371.86 $24.79
35 $371.86 $16.72
36 $371.86 $8.45
VIVIENDA Cuadro de amortización con cuotas fijas

Precio= $130,000.00 1 $511.62 $368.33
Inicial= $26,000.00 2 $511.62 $367.83
4 $511.62 $366.81
𝐹=𝑃∗(𝐹⁄𝑃,𝑖,𝑛)=P* 〖 (1+𝑖) 〗 ^𝑛
5 $511.62 $366.29
𝐴=𝑃∗(𝐴⁄𝑃,𝑖,𝑛)=𝑃∗𝑖/(1− 〖 (1+𝑖) 〗 ^(−𝑛) ) 7 $511.62 $365.26
8 $511.62 $364.74
Valor de la cuota= $511.62 9 $511.62 $364.22
Tasa efectiva= 4.333772% 10 $511.62 $363.70
11 $511.62 $363.18
12 $511.62 $362.65
13 $511.62 $362.12
14 $511.62 $361.59
15 $511.62 $361.06
16 $511.62 $360.53
17 $511.62 $359.99
18 $511.62 $359.46
19 $511.62 $358.92
20 $511.62 $358.38
21 $511.62 $357.84
22 $511.62 $357.29
23 $511.62 $356.74
24 $511.62 $356.20
25 $511.62 $355.65
26 $511.62 $355.09
27 $511.62 $354.54
28 $511.62 $353.98
29 $511.62 $353.42
30 $511.62 $352.86
31 $511.62 $352.30
32 $511.62 $351.74
33 $511.62 $351.17
34 $511.62 $350.60
35 $511.62 $350.03
36 $511.62 $349.46
37 $511.62 $348.89
38 $511.62 $348.31
39 $511.62 $347.73
40 $511.62 $347.15
41 $511.62 $346.57
42 $511.62 $345.98
43 $511.62 $345.40
44 $511.62 $344.81
45 $511.62 $344.22
46 $511.62 $343.62
47 $511.62 $343.03
48 $511.62 $342.43
49 $511.62 $341.83
50 $511.62 $341.23
51 $511.62 $340.63
52 $511.62 $340.02
53 $511.62 $339.41
54 $511.62 $338.81
55 $511.62 $338.19
56 $511.62 $337.58
57 $511.62 $336.96
58 $511.62 $336.34
59 $511.62 $335.72
60 $511.62 $335.10
61 $511.62 $334.48
62 $511.62 $333.85
63 $511.62 $333.22
64 $511.62 $332.59
65 $511.62 $331.95
66 $511.62 $331.32
67 $511.62 $330.68
68 $511.62 $330.04
69 $511.62 $329.39
70 $511.62 $328.75
71 $511.62 $328.10
72 $511.62 $327.45
73 $511.62 $326.80
74 $511.62 $326.14
75 $511.62 $325.49
76 $511.62 $324.83
77 $511.62 $324.17
78 $511.62 $323.50
79 $511.62 $322.84
80 $511.62 $322.17
81 $511.62 $321.50
82 $511.62 $320.82
83 $511.62 $320.15
84 $511.62 $319.47
85 $511.62 $318.79
86 $511.62 $318.11
87 $511.62 $317.42
88 $511.62 $316.73
89 $511.62 $316.04
90 $511.62 $315.35
91 $511.62 $314.65
92 $511.62 $313.96
93 $511.62 $313.26
94 $511.62 $312.55
95 $511.62 $311.85
96 $511.62 $311.14
97 $511.62 $310.43
98 $511.62 $309.72
99 $511.62 $309.00
100 $511.62 $308.29
101 $511.62 $307.57
102 $511.62 $306.84
103 $511.62 $306.12
104 $511.62 $305.39
105 $511.62 $304.66
106 $511.62 $303.93
107 $511.62 $303.19
108 $511.62 $302.45
109 $511.62 $301.71
110 $511.62 $300.97
111 $511.62 $300.22
112 $511.62 $299.47
113 $511.62 $298.72
114 $511.62 $297.97
115 $511.62 $297.21
116 $511.62 $296.45
117 $511.62 $295.69
118 $511.62 $294.93
119 $511.62 $294.16
120 $511.62 $293.39
121 $511.62 $292.62
122 $511.62 $291.84
123 $511.62 $291.06
124 $511.62 $290.28
125 $511.62 $289.50
126 $511.62 $288.71
127 $511.62 $287.92
128 $511.62 $287.13
129 $511.62 $286.33
130 $511.62 $285.54
131 $511.62 $284.73
132 $511.62 $283.93
133 $511.62 $283.12
134 $511.62 $282.32
135 $511.62 $281.50
136 $511.62 $280.69
137 $511.62 $279.87
138 $511.62 $279.05
139 $511.62 $278.23
140 $511.62 $277.40
141 $511.62 $276.57
142 $511.62 $275.74
143 $511.62 $274.90
144 $511.62 $274.06
145 $511.62 $273.22
146 $511.62 $272.38
147 $511.62 $271.53
148 $511.62 $270.68
149 $511.62 $269.83
150 $511.62 $268.97
151 $511.62 $268.11
152 $511.62 $267.25
153 $511.62 $266.38
154 $511.62 $265.52
155 $511.62 $264.64
156 $511.62 $263.77
157 $511.62 $262.89
158 $511.62 $262.01
159 $511.62 $261.13
160 $511.62 $260.24
161 $511.62 $259.35
162 $511.62 $258.46
163 $511.62 $257.56
164 $511.62 $256.66
165 $511.62 $255.76
166 $511.62 $254.85
167 $511.62 $253.94
168 $511.62 $253.03
169 $511.62 $252.11
170 $511.62 $251.19
171 $511.62 $250.27
172 $511.62 $249.34
173 $511.62 $248.42
174 $511.62 $247.48
175 $511.62 $246.55
176 $511.62 $245.61
177 $511.62 $244.67
178 $511.62 $243.72
179 $511.62 $242.77
180 $511.62 $241.82
181 $511.62 $240.87
182 $511.62 $239.91
183 $511.62 $238.94
184 $511.62 $237.98
185 $511.62 $237.01
186 $511.62 $236.04
187 $511.62 $235.06
188 $511.62 $234.08
189 $511.62 $233.10
190 $511.62 $232.11
191 $511.62 $231.12
192 $511.62 $230.13
193 $511.62 $229.13
194 $511.62 $228.13
195 $511.62 $227.13
196 $511.62 $226.12
197 $511.62 $225.11
198 $511.62 $224.09
199 $511.62 $223.08
200 $511.62 $222.05
201 $511.62 $221.03
202 $511.62 $220.00
203 $511.62 $218.97
204 $511.62 $217.93
205 $511.62 $216.89
206 $511.62 $215.85
207 $511.62 $214.80
208 $511.62 $213.75
209 $511.62 $212.69
210 $511.62 $211.63
211 $511.62 $210.57
212 $511.62 $209.50
213 $511.62 $208.43
214 $511.62 $207.36
215 $511.62 $206.28
216 $511.62 $205.20
217 $511.62 $204.12
218 $511.62 $203.03
219 $511.62 $201.93
220 $511.62 $200.84
221 $511.62 $199.74
222 $511.62 $198.63
223 $511.62 $197.52
224 $511.62 $196.41
225 $511.62 $195.30
226 $511.62 $194.17
227 $511.62 $193.05
228 $511.62 $191.92
229 $511.62 $190.79
230 $511.62 $189.65
231 $511.62 $188.51
232 $511.62 $187.37
233 $511.62 $186.22
234 $511.62 $185.07
235 $511.62 $183.91
236 $511.62 $182.75
237 $511.62 $181.59
238 $511.62 $180.42
239 $511.62 $179.24
240 $511.62 $178.07
241 $511.62 $176.89
242 $511.62 $175.70
243 $511.62 $174.51
244 $511.62 $173.32
245 $511.62 $172.12
246 $511.62 $170.92
247 $511.62 $169.71
248 $511.62 $168.50
249 $511.62 $167.28
250 $511.62 $166.06
251 $511.62 $164.84
252 $511.62 $163.61
253 $511.62 $162.38
254 $511.62 $161.14
255 $511.62 $159.90
256 $511.62 $158.66
257 $511.62 $157.41
258 $511.62 $156.15
259 $511.62 $154.89
260 $511.62 $153.63
261 $511.62 $152.36
262 $511.62 $151.09
263 $511.62 $149.81
264 $511.62 $148.53
265 $511.62 $147.24
266 $511.62 $145.95
267 $511.62 $144.66
268 $511.62 $143.36
269 $511.62 $142.06
270 $511.62 $140.75
271 $511.62 $139.43
272 $511.62 $138.11
273 $511.62 $136.79
274 $511.62 $135.46
275 $511.62 $134.13
276 $511.62 $132.80
277 $511.62 $131.45
278 $511.62 $130.11
279 $511.62 $128.76
280 $511.62 $127.40
281 $511.62 $126.04
282 $511.62 $124.67
283 $511.62 $123.30
284 $511.62 $121.93
285 $511.62 $120.55
286 $511.62 $119.16
287 $511.62 $117.77
288 $511.62 $116.38
289 $511.62 $114.98
290 $511.62 $113.57
291 $511.62 $112.16
292 $511.62 $110.75
293 $511.62 $109.33
294 $511.62 $107.90
295 $511.62 $106.47
296 $511.62 $105.04
297 $511.62 $103.60
298 $511.62 $102.15
299 $511.62 $100.70
300 $511.62 $99.25
301 $511.62 $97.79
302 $511.62 $96.32
303 $511.62 $94.85
304 $511.62 $93.38
305 $511.62 $91.89
306 $511.62 $90.41
307 $511.62 $88.92
308 $511.62 $87.42
309 $511.62 $85.92
310 $511.62 $84.41
311 $511.62 $82.90
312 $511.62 $81.38
313 $511.62 $79.85
314 $511.62 $78.32
315 $511.62 $76.79
316 $511.62 $75.25
317 $511.62 $73.70
318 $511.62 $72.15
319 $511.62 $70.60
320 $511.62 $69.04
321 $511.62 $67.47
322 $511.62 $65.90
323 $511.62 $64.32
324 $511.62 $62.73
325 $511.62 $61.14
326 $511.62 $59.55
327 $511.62 $57.95
328 $511.62 $56.34
329 $511.62 $54.73
330 $511.62 $53.11
331 $511.62 $51.48
332 $511.62 $49.86
333 $511.62 $48.22
334 $511.62 $46.58
335 $511.62 $44.93
336 $511.62 $43.28
337 $511.62 $41.62
338 $511.62 $39.96
339 $511.62 $38.28
340 $511.62 $36.61
341 $511.62 $34.93
342 $511.62 $33.24
343 $511.62 $31.54
344 $511.62 $29.84
345 $511.62 $28.14
346 $511.62 $26.42
347 $511.62 $24.71
348 $511.62 $22.98
349 $511.62 $21.25
350 $511.62 $19.51
351 $511.62 $17.77
352 $511.62 $16.02
353 $511.62 $14.27
354 $511.62 $12.51
355 $511.62 $10.74
356 $511.62 $8.96
357 $511.62 $7.18
358 $511.62 $5.40
359 $511.62 $3.60
360 $511.62 $1.81
rtización con cuotas fijas Cuadro de amortización con amortoizacion constante
AmortizaciónSaldo Deudor Periodo Cuota Interés AmortizaciónSaldo Deudor
- $9,000.00 0 - - - $9,000.00
$162.50 $8,837.50 1 $459.36 $209.36 $250.00 $8,750.00
$166.28 $8,671.23 2 $453.55 $203.55 $250.00 $8,500.00
$170.14 $8,501.08 3 $447.73 $197.73 $250.00 $8,250.00
$174.10 $8,326.98 4 $441.92 $191.92 $250.00 $8,000.00
$178.15 $8,148.83 5 $436.10 $186.10 $250.00 $7,750.00
$182.30 $7,966.53 6 $430.28 $180.28 $250.00 $7,500.00
$186.54 $7,779.99 7 $424.47 $174.47 $250.00 $7,250.00
$190.88 $7,589.11 8 $418.65 $168.65 $250.00 $7,000.00
$195.32 $7,393.80 9 $412.84 $162.84 $250.00 $6,750.00
$199.86 $7,193.94 10 $407.02 $157.02 $250.00 $6,500.00
$204.51 $6,989.43 11 $401.21 $151.21 $250.00 $6,250.00
$209.27 $6,780.16 12 $395.39 $145.39 $250.00 $6,000.00
$214.14 $6,566.02 13 $389.58 $139.58 $250.00 $5,750.00
$219.12 $6,346.91 14 $383.76 $133.76 $250.00 $5,500.00
$224.21 $6,122.69 15 $377.94 $127.94 $250.00 $5,250.00
$229.43 $5,893.26 16 $372.13 $122.13 $250.00 $5,000.00
$234.77 $5,658.49 17 $366.31 $116.31 $250.00 $4,750.00
$240.23 $5,418.27 18 $360.50 $110.50 $250.00 $4,500.00
$245.82 $5,172.45 19 $354.68 $104.68 $250.00 $4,250.00
$251.54 $4,920.91 20 $348.87 $98.87 $250.00 $4,000.00
$257.39 $4,663.53 21 $343.05 $93.05 $250.00 $3,750.00
$263.37 $4,400.15 22 $337.23 $87.23 $250.00 $3,500.00
$269.50 $4,130.65 23 $331.42 $81.42 $250.00 $3,250.00
$275.77 $3,854.88 24 $325.60 $75.60 $250.00 $3,000.00
$282.18 $3,572.70 25 $319.79 $69.79 $250.00 $2,750.00
$288.75 $3,283.95 26 $313.97 $63.97 $250.00 $2,500.00
$295.47 $2,988.48 27 $308.16 $58.16 $250.00 $2,250.00
$302.34 $2,686.14 28 $302.34 $52.34 $250.00 $2,000.00
$309.37 $2,376.77 29 $296.53 $46.53 $250.00 $1,750.00
$316.57 $2,060.20 30 $290.71 $40.71 $250.00 $1,500.00
$323.93 $1,736.27 31 $284.89 $34.89 $250.00 $1,250.00
$331.47 $1,404.80 32 $279.08 $29.08 $250.00 $1,000.00
$339.18 $1,065.62 33 $273.26 $23.26 $250.00 $750.00
$347.07 $718.55 34 $267.45 $17.45 $250.00 $500.00
$355.14 $363.41 35 $261.63 $11.63 $250.00 $250.00
$363.41 $0.00 36 $255.82 $5.82 $250.00 $0.00
rtización con cuotas fijas Cuadro de amortización con amortoizacion constante

AmortizaciónSaldo Deudor Periodo Cuota Interés AmortizaciónSaldo Deudor
- $104,000.00 0 - - - $104,000.00
$143.28 $103,856.72 1 $657.22 $368.33 $288.89 $103,711.11
$143.79 $103,712.92 2 $656.20 $367.31 $288.89 $103,422.22
$144.30 $103,568.62 3 $655.18 $366.29 $288.89 $103,133.33
$144.81 $103,423.81 4 $654.15 $365.26 $288.89 $102,844.44
$145.32 $103,278.49 5 $653.13 $364.24 $288.89 $102,555.56
$145.84 $103,132.65 6 $652.11 $363.22 $288.89 $102,266.67
$146.36 $102,986.29 7 $651.08 $362.19 $288.89 $101,977.78
$146.87 $102,839.42 8 $650.06 $361.17 $288.89 $101,688.89
$147.39 $102,692.02 9 $649.04 $360.15 $288.89 $101,400.00
$147.92 $102,544.11 10 $648.01 $359.13 $288.89 $101,111.11
$148.44 $102,395.67 11 $646.99 $358.10 $288.89 $100,822.22
$148.97 $102,246.70 12 $645.97 $357.08 $288.89 $100,533.33
$149.49 $102,097.21 13 $644.94 $356.06 $288.89 $100,244.44
$150.02 $101,947.18 14 $643.92 $355.03 $288.89 $99,955.56
$150.55 $101,796.63 15 $642.90 $354.01 $288.89 $99,666.67
$151.09 $101,645.54 16 $641.88 $352.99 $288.89 $99,377.78
$151.62 $101,493.92 17 $640.85 $351.96 $288.89 $99,088.89
$152.16 $101,341.76 18 $639.83 $350.94 $288.89 $98,800.00
$152.70 $101,189.06 19 $638.81 $349.92 $288.89 $98,511.11
$153.24 $101,035.82 20 $637.78 $348.89 $288.89 $98,222.22
$153.78 $100,882.04 21 $636.76 $347.87 $288.89 $97,933.33
$154.33 $100,727.71 22 $635.74 $346.85 $288.89 $97,644.44
$154.87 $100,572.84 23 $634.71 $345.82 $288.89 $97,355.56
$155.42 $100,417.41 24 $633.69 $344.80 $288.89 $97,066.67
$155.97 $100,261.44 25 $632.67 $343.78 $288.89 $96,777.78
$156.52 $100,104.92 26 $631.64 $342.75 $288.89 $96,488.89
$157.08 $99,947.84 27 $630.62 $341.73 $288.89 $96,200.00
$157.64 $99,790.20 28 $629.60 $340.71 $288.89 $95,911.11
$158.19 $99,632.01 29 $628.57 $339.69 $288.89 $95,622.22
$158.75 $99,473.25 30 $627.55 $338.66 $288.89 $95,333.33
$159.32 $99,313.94 31 $626.53 $337.64 $288.89 $95,044.44
$159.88 $99,154.06 32 $625.50 $336.62 $288.89 $94,755.56
$160.45 $98,993.61 33 $624.48 $335.59 $288.89 $94,466.67
$161.02 $98,832.59 34 $623.46 $334.57 $288.89 $94,177.78
$161.59 $98,671.01 35 $622.44 $333.55 $288.89 $93,888.89
$162.16 $98,508.85 36 $621.41 $332.52 $288.89 $93,600.00
$162.73 $98,346.12 37 $620.39 $331.50 $288.89 $93,311.11
$163.31 $98,182.81 38 $619.37 $330.48 $288.89 $93,022.22
$163.89 $98,018.92 39 $618.34 $329.45 $288.89 $92,733.33
$164.47 $97,854.46 40 $617.32 $328.43 $288.89 $92,444.44
$165.05 $97,689.41 41 $616.30 $327.41 $288.89 $92,155.56
$165.63 $97,523.77 42 $615.27 $326.38 $288.89 $91,866.67
$166.22 $97,357.55 43 $614.25 $325.36 $288.89 $91,577.78
$166.81 $97,190.74 44 $613.23 $324.34 $288.89 $91,288.89
$167.40 $97,023.34 45 $612.20 $323.31 $288.89 $91,000.00
$167.99 $96,855.35 46 $611.18 $322.29 $288.89 $90,711.11
$168.59 $96,686.76 47 $610.16 $321.27 $288.89 $90,422.22
$169.19 $96,517.58 48 $609.13 $320.25 $288.89 $90,133.33
$169.78 $96,347.79 49 $608.11 $319.22 $288.89 $89,844.44
$170.39 $96,177.41 50 $607.09 $318.20 $288.89 $89,555.56
$170.99 $96,006.42 51 $606.06 $317.18 $288.89 $89,266.67
$171.59 $95,834.82 52 $605.04 $316.15 $288.89 $88,977.78
$172.20 $95,662.62 53 $604.02 $315.13 $288.89 $88,688.89
$172.81 $95,489.81 54 $603.00 $314.11 $288.89 $88,400.00
$173.42 $95,316.38 55 $601.97 $313.08 $288.89 $88,111.11
$174.04 $95,142.34 56 $600.95 $312.06 $288.89 $87,822.22
$174.66 $94,967.69 57 $599.93 $311.04 $288.89 $87,533.33
$175.27 $94,792.42 58 $598.90 $310.01 $288.89 $87,244.44
$175.89 $94,616.52 59 $597.88 $308.99 $288.89 $86,955.56
$176.52 $94,440.00 60 $596.86 $307.97 $288.89 $86,666.67
$177.14 $94,262.86 61 $595.83 $306.94 $288.89 $86,377.78
$177.77 $94,085.09 62 $594.81 $305.92 $288.89 $86,088.89
$178.40 $93,906.69 63 $593.79 $304.90 $288.89 $85,800.00
$179.03 $93,727.66 64 $592.76 $303.88 $288.89 $85,511.11
$179.67 $93,548.00 65 $591.74 $302.85 $288.89 $85,222.22
$180.30 $93,367.69 66 $590.72 $301.83 $288.89 $84,933.33
$180.94 $93,186.75 67 $589.69 $300.81 $288.89 $84,644.44
$181.58 $93,005.17 68 $588.67 $299.78 $288.89 $84,355.56
$182.22 $92,822.95 69 $587.65 $298.76 $288.89 $84,066.67
$182.87 $92,640.08 70 $586.63 $297.74 $288.89 $83,777.78
$183.52 $92,456.56 71 $585.60 $296.71 $288.89 $83,488.89
$184.17 $92,272.40 72 $584.58 $295.69 $288.89 $83,200.00
$184.82 $92,087.58 73 $583.56 $294.67 $288.89 $82,911.11
$185.47 $91,902.10 74 $582.53 $293.64 $288.89 $82,622.22
$186.13 $91,715.97 75 $581.51 $292.62 $288.89 $82,333.33
$186.79 $91,529.18 76 $580.49 $291.60 $288.89 $82,044.44
$187.45 $91,341.73 77 $579.46 $290.57 $288.89 $81,755.56
$188.12 $91,153.61 78 $578.44 $289.55 $288.89 $81,466.67
$188.78 $90,964.83 79 $577.42 $288.53 $288.89 $81,177.78
$189.45 $90,775.38 80 $576.39 $287.50 $288.89 $80,888.89
$190.12 $90,585.26 81 $575.37 $286.48 $288.89 $80,600.00
$190.79 $90,394.47 82 $574.35 $285.46 $288.89 $80,311.11
$191.47 $90,202.99 83 $573.32 $284.44 $288.89 $80,022.22
$192.15 $90,010.85 84 $572.30 $283.41 $288.89 $79,733.33
$192.83 $89,818.02 85 $571.28 $282.39 $288.89 $79,444.44
$193.51 $89,624.51 86 $570.25 $281.37 $288.89 $79,155.56
$194.20 $89,430.31 87 $569.23 $280.34 $288.89 $78,866.67
$194.89 $89,235.42 88 $568.21 $279.32 $288.89 $78,577.78
$195.58 $89,039.85 89 $567.19 $278.30 $288.89 $78,288.89
$196.27 $88,843.58 90 $566.16 $277.27 $288.89 $78,000.00
$196.96 $88,646.62 91 $565.14 $276.25 $288.89 $77,711.11
$197.66 $88,448.96 92 $564.12 $275.23 $288.89 $77,422.22
$198.36 $88,250.59 93 $563.09 $274.20 $288.89 $77,133.33
$199.06 $88,051.53 94 $562.07 $273.18 $288.89 $76,844.44
$199.77 $87,851.76 95 $561.05 $272.16 $288.89 $76,555.56
$200.48 $87,651.29 96 $560.02 $271.13 $288.89 $76,266.67
$201.19 $87,450.10 97 $559.00 $270.11 $288.89 $75,977.78
$201.90 $87,248.20 98 $557.98 $269.09 $288.89 $75,688.89
$202.61 $87,045.59 99 $556.95 $268.06 $288.89 $75,400.00
$203.33 $86,842.26 100 $555.93 $267.04 $288.89 $75,111.11
$204.05 $86,638.21 101 $554.91 $266.02 $288.89 $74,822.22
$204.77 $86,433.43 102 $553.88 $265.00 $288.89 $74,533.33
$205.50 $86,227.93 103 $552.86 $263.97 $288.89 $74,244.44
$206.23 $86,021.71 104 $551.84 $262.95 $288.89 $73,955.56
$206.96 $85,814.75 105 $550.81 $261.93 $288.89 $73,666.67
$207.69 $85,607.06 106 $549.79 $260.90 $288.89 $73,377.78
$208.43 $85,398.63 107 $548.77 $259.88 $288.89 $73,088.89
$209.16 $85,189.47 108 $547.75 $258.86 $288.89 $72,800.00
$209.90 $84,979.57 109 $546.72 $257.83 $288.89 $72,511.11
$210.65 $84,768.92 110 $545.70 $256.81 $288.89 $72,222.22
$211.39 $84,557.52 111 $544.68 $255.79 $288.89 $71,933.33
$212.14 $84,345.38 112 $543.65 $254.76 $288.89 $71,644.44
$212.89 $84,132.49 113 $542.63 $253.74 $288.89 $71,355.56
$213.65 $83,918.84 114 $541.61 $252.72 $288.89 $71,066.67
$214.40 $83,704.43 115 $540.58 $251.69 $288.89 $70,777.78
$215.16 $83,489.27 116 $539.56 $250.67 $288.89 $70,488.89
$215.93 $83,273.34 117 $538.54 $249.65 $288.89 $70,200.00
$216.69 $83,056.65 118 $537.51 $248.63 $288.89 $69,911.11
$217.46 $82,839.19 119 $536.49 $247.60 $288.89 $69,622.22
$218.23 $82,620.96 120 $535.47 $246.58 $288.89 $69,333.33
$219.00 $82,401.96 121 $534.44 $245.56 $288.89 $69,044.44
$219.78 $82,182.19 122 $533.42 $244.53 $288.89 $68,755.56
$220.56 $81,961.63 123 $532.40 $243.51 $288.89 $68,466.67
$221.34 $81,740.29 124 $531.38 $242.49 $288.89 $68,177.78
$222.12 $81,518.17 125 $530.35 $241.46 $288.89 $67,888.89
$222.91 $81,295.26 126 $529.33 $240.44 $288.89 $67,600.00
$223.70 $81,071.57 127 $528.31 $239.42 $288.89 $67,311.11
$224.49 $80,847.08 128 $527.28 $238.39 $288.89 $67,022.22
$225.28 $80,621.79 129 $526.26 $237.37 $288.89 $66,733.33
$226.08 $80,395.71 130 $525.24 $236.35 $288.89 $66,444.44
$226.88 $80,168.83 131 $524.21 $235.32 $288.89 $66,155.56
$227.69 $79,941.14 132 $523.19 $234.30 $288.89 $65,866.67
$228.49 $79,712.65 133 $522.17 $233.28 $288.89 $65,577.78
$229.30 $79,483.35 134 $521.14 $232.25 $288.89 $65,288.89
$230.11 $79,253.24 135 $520.12 $231.23 $288.89 $65,000.00
$230.93 $79,022.31 136 $519.10 $230.21 $288.89 $64,711.11
$231.75 $78,790.56 137 $518.07 $229.19 $288.89 $64,422.22
$232.57 $78,557.99 138 $517.05 $228.16 $288.89 $64,133.33
$233.39 $78,324.60 139 $516.03 $227.14 $288.89 $63,844.44
$234.22 $78,090.38 140 $515.00 $226.12 $288.89 $63,555.56
$235.05 $77,855.34 141 $513.98 $225.09 $288.89 $63,266.67
$235.88 $77,619.46 142 $512.96 $224.07 $288.89 $62,977.78
$236.72 $77,382.74 143 $511.94 $223.05 $288.89 $62,688.89
$237.55 $77,145.19 144 $510.91 $222.02 $288.89 $62,400.00
$238.39 $76,906.79 145 $509.89 $221.00 $288.89 $62,111.11
$239.24 $76,667.55 146 $508.87 $219.98 $288.89 $61,822.22
$240.09 $76,427.47 147 $507.84 $218.95 $288.89 $61,533.33
$240.94 $76,186.53 148 $506.82 $217.93 $288.89 $61,244.44
$241.79 $75,944.74 149 $505.80 $216.91 $288.89 $60,955.56
$242.65 $75,702.09 150 $504.77 $215.88 $288.89 $60,666.67
$243.51 $75,458.59 151 $503.75 $214.86 $288.89 $60,377.78
$244.37 $75,214.22 152 $502.73 $213.84 $288.89 $60,088.89
$245.23 $74,968.98 153 $501.70 $212.81 $288.89 $59,800.00
$246.10 $74,722.88 154 $500.68 $211.79 $288.89 $59,511.11
$246.97 $74,475.91 155 $499.66 $210.77 $288.89 $59,222.22
$247.85 $74,228.06 156 $498.63 $209.75 $288.89 $58,933.33
$248.73 $73,979.33 157 $497.61 $208.72 $288.89 $58,644.44
$249.61 $73,729.73 158 $496.59 $207.70 $288.89 $58,355.56
$250.49 $73,479.23 159 $495.56 $206.68 $288.89 $58,066.67
$251.38 $73,227.86 160 $494.54 $205.65 $288.89 $57,777.78
$252.27 $72,975.59 161 $493.52 $204.63 $288.89 $57,488.89
$253.16 $72,722.43 162 $492.50 $203.61 $288.89 $57,200.00
$254.06 $72,468.37 163 $491.47 $202.58 $288.89 $56,911.11
$254.96 $72,213.41 164 $490.45 $201.56 $288.89 $56,622.22
$255.86 $71,957.55 165 $489.43 $200.54 $288.89 $56,333.33
$256.77 $71,700.78 166 $488.40 $199.51 $288.89 $56,044.44
$257.68 $71,443.10 167 $487.38 $198.49 $288.89 $55,755.56
$258.59 $71,184.51 168 $486.36 $197.47 $288.89 $55,466.67
$259.51 $70,925.01 169 $485.33 $196.44 $288.89 $55,177.78
$260.42 $70,664.58 170 $484.31 $195.42 $288.89 $54,888.89
$261.35 $70,403.23 171 $483.29 $194.40 $288.89 $54,600.00
$262.27 $70,140.96 172 $482.26 $193.37 $288.89 $54,311.11
$263.20 $69,877.76 173 $481.24 $192.35 $288.89 $54,022.22
$264.13 $69,613.63 174 $480.22 $191.33 $288.89 $53,733.33
$265.07 $69,348.56 175 $479.19 $190.31 $288.89 $53,444.44
$266.01 $69,082.55 176 $478.17 $189.28 $288.89 $53,155.56
$266.95 $68,815.60 177 $477.15 $188.26 $288.89 $52,866.67
$267.90 $68,547.70 178 $476.12 $187.24 $288.89 $52,577.78
$268.84 $68,278.86 179 $475.10 $186.21 $288.89 $52,288.89
$269.80 $68,009.06 180 $474.08 $185.19 $288.89 $52,000.00
$270.75 $67,738.31 181 $473.06 $184.17 $288.89 $51,711.11
$271.71 $67,466.60 182 $472.03 $183.14 $288.89 $51,422.22
$272.67 $67,193.93 183 $471.01 $182.12 $288.89 $51,133.33
$273.64 $66,920.29 184 $469.99 $181.10 $288.89 $50,844.44
$274.61 $66,645.68 185 $468.96 $180.07 $288.89 $50,555.56
$275.58 $66,370.10 186 $467.94 $179.05 $288.89 $50,266.67
$276.56 $66,093.54 187 $466.92 $178.03 $288.89 $49,977.78
$277.54 $65,816.00 188 $465.89 $177.00 $288.89 $49,688.89
$278.52 $65,537.49 189 $464.87 $175.98 $288.89 $49,400.00
$279.51 $65,257.98 190 $463.85 $174.96 $288.89 $49,111.11
$280.50 $64,977.48 191 $462.82 $173.94 $288.89 $48,822.22
$281.49 $64,696.00 192 $461.80 $172.91 $288.89 $48,533.33
$282.49 $64,413.51 193 $460.78 $171.89 $288.89 $48,244.44
$283.49 $64,130.02 194 $459.75 $170.87 $288.89 $47,955.56
$284.49 $63,845.53 195 $458.73 $169.84 $288.89 $47,666.67
$285.50 $63,560.03 196 $457.71 $168.82 $288.89 $47,377.78
$286.51 $63,273.53 197 $456.69 $167.80 $288.89 $47,088.89
$287.52 $62,986.00 198 $455.66 $166.77 $288.89 $46,800.00
$288.54 $62,697.46 199 $454.64 $165.75 $288.89 $46,511.11
$289.56 $62,407.90 200 $453.62 $164.73 $288.89 $46,222.22
$290.59 $62,117.31 201 $452.59 $163.70 $288.89 $45,933.33
$291.62 $61,825.69 202 $451.57 $162.68 $288.89 $45,644.44
$292.65 $61,533.04 203 $450.55 $161.66 $288.89 $45,355.56
$293.69 $61,239.35 204 $449.52 $160.63 $288.89 $45,066.67
$294.73 $60,944.62 205 $448.50 $159.61 $288.89 $44,777.78
$295.77 $60,648.85 206 $447.48 $158.59 $288.89 $44,488.89
$296.82 $60,352.03 207 $446.45 $157.56 $288.89 $44,200.00
$297.87 $60,054.16 208 $445.43 $156.54 $288.89 $43,911.11
$298.93 $59,755.23 209 $444.41 $155.52 $288.89 $43,622.22
$299.98 $59,455.25 210 $443.38 $154.50 $288.89 $43,333.33
$301.05 $59,154.20 211 $442.36 $153.47 $288.89 $43,044.44
$302.11 $58,852.09 212 $441.34 $152.45 $288.89 $42,755.56
$303.18 $58,548.91 213 $440.31 $151.43 $288.89 $42,466.67
$304.26 $58,244.65 214 $439.29 $150.40 $288.89 $42,177.78
$305.33 $57,939.31 215 $438.27 $149.38 $288.89 $41,888.89
$306.42 $57,632.90 216 $437.25 $148.36 $288.89 $41,600.00
$307.50 $57,325.40 217 $436.22 $147.33 $288.89 $41,311.11
$308.59 $57,016.81 218 $435.20 $146.31 $288.89 $41,022.22
$309.68 $56,707.12 219 $434.18 $145.29 $288.89 $40,733.33
$310.78 $56,396.34 220 $433.15 $144.26 $288.89 $40,444.44
$311.88 $56,084.46 221 $432.13 $143.24 $288.89 $40,155.56
$312.99 $55,771.48 222 $431.11 $142.22 $288.89 $39,866.67
$314.09 $55,457.39 223 $430.08 $141.19 $288.89 $39,577.78
$315.21 $55,142.18 224 $429.06 $140.17 $288.89 $39,288.89
$316.32 $54,825.86 225 $428.04 $139.15 $288.89 $39,000.00
$317.44 $54,508.41 226 $427.01 $138.12 $288.89 $38,711.11
$318.57 $54,189.85 227 $425.99 $137.10 $288.89 $38,422.22
$319.70 $53,870.15 228 $424.97 $136.08 $288.89 $38,133.33
$320.83 $53,549.33 229 $423.94 $135.06 $288.89 $37,844.44
$321.96 $53,227.36 230 $422.92 $134.03 $288.89 $37,555.56
$323.10 $52,904.26 231 $421.90 $133.01 $288.89 $37,266.67
$324.25 $52,580.01 232 $420.87 $131.99 $288.89 $36,977.78
$325.40 $52,254.61 233 $419.85 $130.96 $288.89 $36,688.89
$326.55 $51,928.06 234 $418.83 $129.94 $288.89 $36,400.00
$327.71 $51,600.36 235 $417.81 $128.92 $288.89 $36,111.11
$328.87 $51,271.49 236 $416.78 $127.89 $288.89 $35,822.22
$330.03 $50,941.46 237 $415.76 $126.87 $288.89 $35,533.33
$331.20 $50,610.26 238 $414.74 $125.85 $288.89 $35,244.44
$332.37 $50,277.89 239 $413.71 $124.82 $288.89 $34,955.56
$333.55 $49,944.34 240 $412.69 $123.80 $288.89 $34,666.67
$334.73 $49,609.61 241 $411.67 $122.78 $288.89 $34,377.78
$335.92 $49,273.69 242 $410.64 $121.75 $288.89 $34,088.89
$337.11 $48,936.58 243 $409.62 $120.73 $288.89 $33,800.00
$338.30 $48,598.28 244 $408.60 $119.71 $288.89 $33,511.11
$339.50 $48,258.79 245 $407.57 $118.69 $288.89 $33,222.22
$340.70 $47,918.08 246 $406.55 $117.66 $288.89 $32,933.33
$341.91 $47,576.18 247 $405.53 $116.64 $288.89 $32,644.44
$343.12 $47,233.06 248 $404.50 $115.62 $288.89 $32,355.56
$344.33 $46,888.72 249 $403.48 $114.59 $288.89 $32,066.67
$345.55 $46,543.17 250 $402.46 $113.57 $288.89 $31,777.78
$346.78 $46,196.39 251 $401.44 $112.55 $288.89 $31,488.89
$348.01 $45,848.39 252 $400.41 $111.52 $288.89 $31,200.00
$349.24 $45,499.15 253 $399.39 $110.50 $288.89 $30,911.11
$350.47 $45,148.68 254 $398.37 $109.48 $288.89 $30,622.22
$351.72 $44,796.96 255 $397.34 $108.45 $288.89 $30,333.33
$352.96 $44,444.00 256 $396.32 $107.43 $288.89 $30,044.44
$354.21 $44,089.79 257 $395.30 $106.41 $288.89 $29,755.56
$355.47 $43,734.32 258 $394.27 $105.38 $288.89 $29,466.67
$356.73 $43,377.60 259 $393.25 $104.36 $288.89 $29,177.78
$357.99 $43,019.61 260 $392.23 $103.34 $288.89 $28,888.89
$359.26 $42,660.35 261 $391.20 $102.31 $288.89 $28,600.00
$360.53 $42,299.82 262 $390.18 $101.29 $288.89 $28,311.11
$361.81 $41,938.02 263 $389.16 $100.27 $288.89 $28,022.22
$363.09 $41,574.93 264 $388.13 $99.25 $288.89 $27,733.33
$364.37 $41,210.56 265 $387.11 $98.22 $288.89 $27,444.44
$365.66 $40,844.89 266 $386.09 $97.20 $288.89 $27,155.56
$366.96 $40,477.93 267 $385.06 $96.18 $288.89 $26,866.67
$368.26 $40,109.68 268 $384.04 $95.15 $288.89 $26,577.78
$369.56 $39,740.11 269 $383.02 $94.13 $288.89 $26,288.89
$370.87 $39,369.24 270 $382.00 $93.11 $288.89 $26,000.00
$372.18 $38,997.06 271 $380.97 $92.08 $288.89 $25,711.11
$373.50 $38,623.56 272 $379.95 $91.06 $288.89 $25,422.22
$374.83 $38,248.73 273 $378.93 $90.04 $288.89 $25,133.33
$376.15 $37,872.58 274 $377.90 $89.01 $288.89 $24,844.44
$377.49 $37,495.09 275 $376.88 $87.99 $288.89 $24,555.56
$378.82 $37,116.27 276 $375.86 $86.97 $288.89 $24,266.67
$380.16 $36,736.10 277 $374.83 $85.94 $288.89 $23,977.78
$381.51 $36,354.59 278 $373.81 $84.92 $288.89 $23,688.89
$382.86 $35,971.73 279 $372.79 $83.90 $288.89 $23,400.00
$384.22 $35,587.51 280 $371.76 $82.87 $288.89 $23,111.11
$385.58 $35,201.94 281 $370.74 $81.85 $288.89 $22,822.22
$386.94 $34,814.99 282 $369.72 $80.83 $288.89 $22,533.33
$388.31 $34,426.68 283 $368.69 $79.81 $288.89 $22,244.44
$389.69 $34,036.99 284 $367.67 $78.78 $288.89 $21,955.56
$391.07 $33,645.92 285 $366.65 $77.76 $288.89 $21,666.67
$392.45 $33,253.46 286 $365.62 $76.74 $288.89 $21,377.78
$393.84 $32,859.62 287 $364.60 $75.71 $288.89 $21,088.89
$395.24 $32,464.38 288 $363.58 $74.69 $288.89 $20,800.00
$396.64 $32,067.74 289 $362.56 $73.67 $288.89 $20,511.11
$398.04 $31,669.70 290 $361.53 $72.64 $288.89 $20,222.22
$399.45 $31,270.24 291 $360.51 $71.62 $288.89 $19,933.33
$400.87 $30,869.37 292 $359.49 $70.60 $288.89 $19,644.44
$402.29 $30,467.08 293 $358.46 $69.57 $288.89 $19,355.56
$403.71 $30,063.37 294 $357.44 $68.55 $288.89 $19,066.67
$405.14 $29,658.23 295 $356.42 $67.53 $288.89 $18,777.78
$406.58 $29,251.65 296 $355.39 $66.50 $288.89 $18,488.89
$408.02 $28,843.63 297 $354.37 $65.48 $288.89 $18,200.00
$409.46 $28,434.17 298 $353.35 $64.46 $288.89 $17,911.11
$410.91 $28,023.26 299 $352.32 $63.44 $288.89 $17,622.22
$412.37 $27,610.89 300 $351.30 $62.41 $288.89 $17,333.33
$413.83 $27,197.06 301 $350.28 $61.39 $288.89 $17,044.44
$415.29 $26,781.76 302 $349.25 $60.37 $288.89 $16,755.56
$416.77 $26,365.00 303 $348.23 $59.34 $288.89 $16,466.67
$418.24 $25,946.76 304 $347.21 $58.32 $288.89 $16,177.78
$419.72 $25,527.03 305 $346.19 $57.30 $288.89 $15,888.89
$421.21 $25,105.83 306 $345.16 $56.27 $288.89 $15,600.00
$422.70 $24,683.12 307 $344.14 $55.25 $288.89 $15,311.11
$424.20 $24,258.93 308 $343.12 $54.23 $288.89 $15,022.22
$425.70 $23,833.23 309 $342.09 $53.20 $288.89 $14,733.33
$427.21 $23,406.02 310 $341.07 $52.18 $288.89 $14,444.44
$428.72 $22,977.30 311 $340.05 $51.16 $288.89 $14,155.56
$430.24 $22,547.06 312 $339.02 $50.13 $288.89 $13,866.67
$431.76 $22,115.29 313 $338.00 $49.11 $288.89 $13,577.78
$433.29 $21,682.00 314 $336.98 $48.09 $288.89 $13,288.89
$434.83 $21,247.17 315 $335.95 $47.06 $288.89 $13,000.00
$436.37 $20,810.81 316 $334.93 $46.04 $288.89 $12,711.11
$437.91 $20,372.89 317 $333.91 $45.02 $288.89 $12,422.22
$439.46 $19,933.43 318 $332.88 $44.00 $288.89 $12,133.33
$441.02 $19,492.41 319 $331.86 $42.97 $288.89 $11,844.44
$442.58 $19,049.83 320 $330.84 $41.95 $288.89 $11,555.56
$444.15 $18,605.68 321 $329.81 $40.93 $288.89 $11,266.67
$445.72 $18,159.96 322 $328.79 $39.90 $288.89 $10,977.78
$447.30 $17,712.66 323 $327.77 $38.88 $288.89 $10,688.89
$448.89 $17,263.77 324 $326.75 $37.86 $288.89 $10,400.00
$450.47 $16,813.30 325 $325.72 $36.83 $288.89 $10,111.11
$452.07 $16,361.23 326 $324.70 $35.81 $288.89 $9,822.22
$453.67 $15,907.55 327 $323.68 $34.79 $288.89 $9,533.33
$455.28 $15,452.28 328 $322.65 $33.76 $288.89 $9,244.44
$456.89 $14,995.39 329 $321.63 $32.74 $288.89 $8,955.56
$458.51 $14,536.88 330 $320.61 $31.72 $288.89 $8,666.67
$460.13 $14,076.74 331 $319.58 $30.69 $288.89 $8,377.78
$461.76 $13,614.98 332 $318.56 $29.67 $288.89 $8,088.89
$463.40 $13,151.58 333 $317.54 $28.65 $288.89 $7,800.00
$465.04 $12,686.55 334 $316.51 $27.62 $288.89 $7,511.11
$466.69 $12,219.86 335 $315.49 $26.60 $288.89 $7,222.22
$468.34 $11,751.52 336 $314.47 $25.58 $288.89 $6,933.33
$470.00 $11,281.52 337 $313.44 $24.56 $288.89 $6,644.44
$471.66 $10,809.86 338 $312.42 $23.53 $288.89 $6,355.56
$473.33 $10,336.53 339 $311.40 $22.51 $288.89 $6,066.67
$475.01 $9,861.52 340 $310.37 $21.49 $288.89 $5,777.78
$476.69 $9,384.83 341 $309.35 $20.46 $288.89 $5,488.89
$478.38 $8,906.45 342 $308.33 $19.44 $288.89 $5,200.00
$480.07 $8,426.37 343 $307.31 $18.42 $288.89 $4,911.11
$481.77 $7,944.60 344 $306.28 $17.39 $288.89 $4,622.22
$483.48 $7,461.12 345 $305.26 $16.37 $288.89 $4,333.33
$485.19 $6,975.93 346 $304.24 $15.35 $288.89 $4,044.44
$486.91 $6,489.02 347 $303.21 $14.32 $288.89 $3,755.56
$488.64 $6,000.38 348 $302.19 $13.30 $288.89 $3,466.67
$490.37 $5,510.01 349 $301.17 $12.28 $288.89 $3,177.78
$492.10 $5,017.91 350 $300.14 $11.25 $288.89 $2,888.89
$493.85 $4,524.07 351 $299.12 $10.23 $288.89 $2,600.00
$495.59 $4,028.47 352 $298.10 $9.21 $288.89 $2,311.11
$497.35 $3,531.12 353 $297.07 $8.19 $288.89 $2,022.22
$499.11 $3,032.01 354 $296.05 $7.16 $288.89 $1,733.33
$500.88 $2,531.13 355 $295.03 $6.14 $288.89 $1,444.44
$502.65 $2,028.48 356 $294.00 $5.12 $288.89 $1,155.56
$504.43 $1,524.04 357 $292.98 $4.09 $288.89 $866.67
$506.22 $1,017.82 358 $291.96 $3.07 $288.89 $577.78
$508.01 $509.81 359 $290.94 $2.05 $288.89 $288.89
$509.81 $0.00 360 $289.91 $1.02 $288.89 $0.00
aldo Deudor Información del Banco y Requisistos
BAC Credomatic es una organización con casi 70 años de experiencia que ofrece produ

clientes en toda la región, los que son atendidos por casi 20.000 colaboradores.
La compañía inició sus operaciones un 5 de julio de 1952con la fundación del Banco de
un pionero del negocio de tarjetas de crédito en la región. De forma gradual abrió opera
la década de los ‘90 se convirtió en el primer Grupo Financiero con presencia en toda C
En la actualidad, la integración con Grupo Aval de Colombia, a través de su subsidiaria
mayor valor agregado, compartir experiencias, aprovechar mejores prácticas y coincidir
BAC Credomatic continúe apostando por el mejoramiento continuo, la excelencia y la i
Los productos y servicios de BAC Credomatic están diseñados para satisfacer las neces
entorno de cambio y evolución permanente, se ha desarrollado una banca digital que en
de 1.6 millones de clientes.
El rigor y la gestión responsable del negocio, alineado a los ejes de sostenibilidad de pr
Objetivos de Desarrollo Sostenible de Naciones Unidas, le han permitido a BAC Credo
e impactar la calidad de vida de numerosas familias centroamericanas.
AUTOMOVILE
S
aldo Deudor
VIVIENDAS
eriencia que ofrece productos y servicios financieros a 3.8 millones de
0 colaboradores.
a fundación del Banco de América en Nicaragua transformándose en
orma gradual abrió operaciones en cada uno de los países, hasta que en
o con presencia en toda Centroamérica.
a través de su subsidiaria Banco de Bogotá, permite ofrecer productos de
jores prácticas y coincidir en una visión de negocio, lo que hace que
tinuo, la excelencia y la innovación.
s para satisfacer las necesidades de cada uno de sus clientes. Atentos al
una banca digital que en la actualidad es utilizada por más
es de sostenibilidad de prosperidad, persona y planeta, así como a los

n permitido a BAC Credomatic contribuir con el crecimiento económico
ericanas.
a.
Desde el punto de vista d

automóvil es el Banco Ge
genera cuotas mas bajas.
Credomatic, ya que cobra
cuota inicial, el Banco Ge
una cuota inicial de solo
viviendas es la institución
Conclusión del Problema
Desde el punto de vista de los intereses, la mejor alternativa para el préstamo de

automóvil es el Banco General, ya que tiene la menor tasa efectiva anual, y esto
genera cuotas mas bajas. Para el crédito de vivienda la mejor alternativa es
Credomatic, ya que cobra intereses mas bajos. Pero si se considera la facilidad de la
cuota inicial, el Banco General da facilidades, ya que puedes adquirir la vivienda con
una cuota inicial de solo $6500. Aunque, habría que evaluar esto ya que para
viviendas es la institución con mayor interés efectivo para prestamos de viviend
En este trabajos tuvimos la opor
semestre, desarrollamos una act
profesionales, buscaremos como
En este caso trabajamos lo que
financieras.
La ingeniería económica estudia
económicos cuando exista más d
permita garantizar el bienestar y
competitivo.
La necesidad de la ingeniería ec
llevan a cabo los ingenieros al a
económica es un punto medular
básicos de flujos de efectivo, tie
La ingeniería económica aborda
del valor de sistemas, productos
Conclusión Grupal
e trabajos tuvimos la oportunidad de aplicar los conocimientos adquiridos durante el

re, desarrollamos una actividad que es muy cercana a nuestra vida real ya que como futuros
onales, buscaremos como independizarnos y tomar nuestras propias decisiones financieras.
e caso trabajamos lo que sería la adquisición de un auto o vivienda con diferentes entidades
eras.
eniería económica estudia la estimación, formulación y evaluación de los resultados

micos cuando exista más de una alternativa para llegar a un propósito lucrativo, lo cual
a garantizar el bienestar y la supervivencia de la organización ante un mercado altamente
titivo.
esidad de la ingeniería económica se encuentra motivada principalmente por el trabajo que

a cabo los ingenieros al analizar, proyectos de cualquier envergadura, es decir, la ingeniería
mica es un punto medular en la toma de decisiones. Tales decisiones implican los elementos
s de flujos de efectivo, tiempo y tesón de interés.
eniería económica aborda los conceptos y las técnicas de análisis útiles para la evaluación
or de sistemas, productos y servicios en relación con su costo.

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UNIVERSIDA

FACULTAD DE INGENIERÍA INDUSTRIAL

ING. LOGISTICA Y CADENA DE SUMINISTROS

Examen Semestral de Ingeniería Económica

Sofía Barochis (8-953-525)

Fecha: 19 de Julio de 2021

Conclusión Grupal del

rabajo consiste en los aspectos económicos de las empresas. Proporciona la infromación y

Acudí a tres instituciones fina

o ingeniero recién egresado, y motivado a comenzar mi vida adulta, deseo adquirir un

í a tres instituciones financieras y obtuve las siguientes características para prestamos:

VIVIENDA Cuadro de amortización con c

VIVIENDA Cuadro de amortización con cuotas fija

ortización con cuotas fijas Cuadro de amortización con amortoizacion constante

El Programa Comunidad Scotiabank fue creado con el fin de centrar nuestro

ser una institución

VIVIENDA Cuadro de amortización con cuotas fijas

rtización con cuotas fijas Cuadro de amortización con amortoizacion constante

BAC Credomatic es una organización con casi 70 años de experiencia que ofrece produ

es de sostenibilidad de prosperidad, persona y planeta, así como a los

Desde el punto de vista d

Desde el punto de vista de los intereses, la mejor alternativa para el préstamo de

e trabajos tuvimos la oportunidad de aplicar los conocimientos adquiridos durante el

eniería económica estudia la estimación, formulación y evaluación de los resultados

esidad de la ingeniería económica se encuentra motivada principalmente por el trabajo que

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