AMORTIZACIONES

Ejercicio No. 1
La química Andrea pide prestado $20 000, que se van a amortizar mediante seis pagos mensuales
vencidos. Si la tasa de interés es del 24% anual capitalizable mensualmente, encontrar cuánto es el
abono mensual y realizar la tabla de amortización.

C= 20000 R= $3,570.52
i= 24% 2% mensual
n= 6 (20000*2%)/(1-(1+2%)^-6)
SALDO
AMORTIZACION (SALDO
PERIODO PAGO (R)
INTERESES R- INTERES ANTERIOR -
(SALDO * I) AMORTIZACION)
0 $20,000.00
1 $3,570.52 $400.00 $3,170.52 $16,829.48
2 $3,570.52 $336.59 $3,233.93 $13,595.56
3 $3,570.52 $271.91 $3,298.61 $10,296.95
4 $3,570.52 $205.94 $3,364.58 $6,932.37
5 $3,570.52 $138.65 $3,431.87 $3,500.51
6 $3,570.52 $70.01 $3,500.51 $0.00
Total $21,423.10 $1,423.10 $20,000.00 $71,154.87

Ejercicio No. 2
Una deuda de $145 000 pesos con un interés del 16% capitalizable semestralmente se tiene que
amortizar con pagos semestrales vencidos durante los próximos cinco años.

C= 145000 R= $21,609.28
i= 16% 8% semestral
n= 10 semestrales (145000*8%)/(1-(1+8%)^-10)
 SALDO
INTERESES
PAGO (R)
(SALDO * I) AMORTIZACION SALDO ANTERIOR
PERIODO (R-INTERESES) - AMORTIZACION
0 $145,000.00
1 $21,609.28 $11,600.00 $10,009.28 $134,990.72
2 $21,609.28 $10,799.26 $10,810.02 $124,180.71
3 $21,609.28 $9,934.46 $11,674.82 $112,505.89
4 $21,609.28 $9,000.47 $12,608.80 $99,897.08
5 $21,609.28 $7,991.77 $13,617.51 $86,279.57
6 $21,609.28 $6,902.37 $14,706.91 $71,572.66
7 $21,609.28 $5,725.81 $15,883.46 $55,689.20
8 $21,609.28 $4,455.14 $17,154.14 $38,535.06
9 $21,609.28 $3,082.80 $18,526.47 $20,008.59
10 $21,609.28 $1,600.69 $20,008.59 $0.00
Total $216,092.76 $71,092.76 $145,000.00 $888,659.48

Ejercicio No. 3
El señor Efraín pide prestado $30 000, que se van a amortizar mediante nueve pagos mensuales
vencidos. Si la tasa de interés es del 48% capitalizable mensualmente, encontrar de cuánto será el
abono mensual y realizar la tabla de amortización.

C= 30000 R= $4,034.79
i= 48% 4% mensual
n= 9 mensuales (30000*4%)/(1-(1+4%)^-9)

SALDO
PAGO (R)
INTERESES AMORTIZACION SALDO ANTERIOR
PERIODO (SALDO * I) (R - INTERESES) - AMORTIZACION
0 $30,000.00
1 $4,034.79 $1,200.00 $2,834.79 $27,165.21
2 $4,034.79 $1,086.61 $2,948.18 $24,217.03
3 $4,034.79 $968.68 $3,066.11 $21,150.92
4 $4,034.79 $846.04 $3,188.75 $17,962.17
5 $4,034.79 $718.49 $3,316.30 $14,645.86
6 $4,034.79 $585.83 $3,448.96 $11,196.91
7 $4,034.79 $447.88 $3,586.91 $7,610.00
8 $4,034.79 $304.40 $3,730.39 $3,879.61
9 $4,034.79 $155.18 $3,879.61 $0.00
Total $36,313.11 $6,313.11 $30,000.00 $157,827.70
Ejercicio No. 4
Reciclados del Sur realizó la compra de una compresora pet, la cual tiene un precio de contado de $6
000. El dueño cuenta solo con la cantidad de $25 000, esta cantidad le sirve para realizar el enganche
del equipo y la diferencia pagarla a crédito, acordando realizar seis pagos trimestrales, siendo la tasa
de interés del 28% capitalizable trimestralmente.

C= 35000 R= $7,342.85
i= 28% 7% trimestral (35000*7%)/(1-(1+7%)^-6)
n= 6 trimestrales

PERIODO PAGO (R) INTERESES AMORTIZACIÓN SALDO

0 $35,000.00
1 $7,342.85 $2,450.00 $4,892.85 $30,107.15
2 $7,342.85 $2,107.50 $5,235.35 $24,871.79
3 $7,342.85 $1,741.03 $5,601.83 $19,269.97
4 $7,342.85 $1,348.90 $5,993.96 $13,276.01
5 $7,342.85 $929.32 $6,413.53 $6,862.48
6 $7,342.85 $480.37 $6,862.48 $0.00
Total $44,057.12 $9,057.12 $35,000.00 $129,387.40

Ejercicio No. 5
La familia Martínez adquiere una casa mediante crédito INFONAVIT valuado en $480 000 la cual
pagara durante 13 años a una tasa del 14% anual capitalizable mensualmente

C= 480000 R= $6,696.50
i= 14% 1.16667% mensual (480000*1.16%)/(1-(1+1.16%)^-156)
n= 156

PERIODO PAGO (R) INTERESES AMORTIZACION SALDO

0 $480,000.00
1 $6,696.50 5600.00000000002 $1,096.50 $478,903.50
2 $6,696.50 $5,587.21 $1,109.29 $477,794.22
3 $6,696.50 5574.26586121354 $1,122.23 $476,671.99
4 $6,696.50 5561.17318280739 $1,135.32 $475,536.66
5 $6,696.50 5547.9277564865 $1,148.57 $474,388.10
6 $6,696.50 5534.52780019186 $1,161.97 $473,226.13
7 $6,696.50 5520.97151107379 $1,175.52 $472,050.61
8 $6,696.50 5507.25706524934 $1,189.24 $470,861.37
9 $6,696.50 5493.38261755694 $1,203.11 $469,658.25
10 $6,696.50 5479.34630130812 $1,217.15 $468,441.11
11 $6,696.50 5465.1462280364 $1,231.35 $467,209.76
12 $6,696.50 5450.78048724318 $1,245.71 $465,964.04
13 $6,696.50 5436.24714614071 $1,260.25 $464,703.79
14 $6,696.50 5421.54424939204 $1,274.95 $463,428.84
15 $6,696.50 5406.66981884797 $1,289.83 $462,139.02
16 $6,696.50 5391.62185328088 $1,304.87 $460,834.14
17 $6,696.50 5376.39832811551 $1,320.10 $459,514.05
18 $6,696.50 5360.99719515655 $1,335.50 $458,178.55
19 $6,696.50 5345.41638231306 $1,351.08 $456,827.47
20 $6,696.50 5329.65379331974 $1,366.84 $455,460.63
21 $6,696.50 5313.70730745482 $1,382.79 $454,077.84
22 $6,696.50 5297.57477925482 $1,398.92 $452,678.92
23 $6,696.50 5281.25403822581 $1,415.24 $451,263.68
24 $6,696.50 5264.74288855147 $1,431.75 $449,831.92
25 $6,696.50 5248.03910879759 $1,448.46 $448,383.47
26 $6,696.50 5231.14045161325 $1,465.35 $446,918.11
27 $6,696.50 5214.04464342843 $1,482.45 $445,435.66
28 $6,696.50 5196.74938414811 $1,499.75 $443,935.92
29 $6,696.50 5179.25234684286 $1,517.24 $442,418.67
30 $6,696.50 5161.55117743572 $1,534.94 $440,883.73
31 $6,696.50 5143.64349438549 $1,552.85 $439,330.88
32 $6,696.50 5125.52688836634 $1,570.97 $437,759.91
33 $6,696.50 5107.19892194364 $1,589.30 $436,170.61
34 $6,696.50 5088.657129246 $1,607.84 $434,562.77
35 $6,696.50 5069.89901563356 $1,626.60 $432,936.18
36 $6,696.50 5050.92205736231 $1,645.57 $431,290.60
37 $6,696.50 5031.72370124456 $1,664.77 $429,625.83
38 $6,696.50 5012.30136430543 $1,684.19 $427,941.64
39 $6,696.50 4992.65243343535 $1,703.84 $426,237.79
40 $6,696.50 4972.77426503845 $1,723.72 $424,514.07
41 $6,696.50 4952.66418467692 $1,743.83 $422,770.24
42 $6,696.50 4932.31948671117 $1,764.18 $421,006.07
43 $6,696.50 4911.73743393582 $1,784.76 $419,221.31
44 $6,696.50 4890.91525721143 $1,805.58 $417,415.73
45 $6,696.50 4869.85015509192 $1,826.65 $415,589.08
46 $6,696.50 4848.53929344768 $1,847.96 $413,741.13
47 $6,696.50 4826.97980508426 $1,869.52 $411,871.61
48 $6,696.50 4805.16878935659 $1,891.33 $409,980.28
49 $6,696.50 4783.10331177878 $1,913.39 $408,066.89
50 $6,696.50 4760.78040362922 $1,935.72 $406,131.18
51 $6,696.50 4738.19706155125 $1,958.30 $404,172.88
52 $6,696.50 4715.35024714903 $1,981.15 $402,191.73
53 $6,696.50 4692.23688657879 $2,004.26 $400,187.47
54 $6,696.50 4668.85387013523 $2,027.64 $398,159.83
55 $6,696.50 4645.19805183317 $2,051.30 $396,108.54
56 $6,696.50 4621.26624898424 $2,075.23 $394,033.31
 57 $6,696.50 4597.05524176875 $2,099.44 $391,933.87
58 $6,696.50 4572.5617728024 $2,123.93 $389,809.93
59 $6,696.50 4547.78254669812 $2,148.71 $387,661.22
60 $6,696.50 4522.71422962262 $2,173.78 $385,487.44
61 $6,696.50 4497.3534488479 $2,199.14 $383,288.30
62 $6,696.50 4471.69679229748 $2,224.80 $381,063.50
63 $6,696.50 4445.74080808731 $2,250.75 $378,812.74
64 $6,696.50 4419.48200406135 $2,277.01 $376,535.73
65 $6,696.50 4392.91684732175 $2,303.58 $374,232.15
66 $6,696.50 4366.04176375353 $2,330.45 $371,901.70
67 $6,696.50 4338.85313754368 $2,357.64 $369,544.06
68 $6,696.50 4311.34731069471 $2,385.15 $367,158.91
69 $6,696.50 4283.5205825325 $2,412.97 $364,745.93
70 $6,696.50 4255.3692092084 $2,441.13 $362,304.81
71 $6,696.50 4226.88940319552 $2,469.61 $359,835.20
72 $6,696.50 4198.07733277916 $2,498.42 $357,336.78
73 $6,696.50 4168.92912154127 $2,527.57 $354,809.22
74 $6,696.50 4139.44084783894 $2,557.05 $352,252.16
75 $6,696.50 4109.60854427675 $2,586.89 $349,665.27
76 $6,696.50 4079.428197173 $2,617.07 $347,048.21
77 $6,696.50 4048.8957460197 $2,647.60 $344,400.61
78 $6,696.50 4018.00708293629 $2,678.49 $341,722.12
79 $6,696.50 3986.7580521169 $2,709.74 $339,012.38
80 $6,696.50 3955.14444927129 $2,741.35 $336,271.03
81 $6,696.50 3923.16202105914 $2,773.33 $333,497.70
82 $6,696.50 3890.80646451785 $2,805.69 $330,692.01
83 $6,696.50 3858.07342648358 $2,838.42 $327,853.59
84 $6,696.50 3824.95850300558 $2,871.54 $324,982.05
85 $6,696.50 3791.45723875366 $2,905.04 $322,077.01
86 $6,696.50 3757.56512641881 $2,938.93 $319,138.08
87 $6,696.50 3723.27760610672 $2,973.22 $316,164.86
88 $6,696.50 3688.59006472432 $3,007.91 $313,156.96
89 $6,696.50 3653.49783535913 $3,043.00 $310,113.96
90 $6,696.50 3617.99619665134 $3,078.50 $307,035.46
91 $6,696.50 $3,582.08 $3,114.42 $303,921.05
92 $6,696.50 3545.7455297135 $3,150.75 $300,770.30
93 $6,696.50 3508.98678077317 $3,187.51 $297,582.79
94 $6,696.50 3471.79917976188 $3,224.70 $294,358.09
95 $6,696.50 3434.17772340546 $3,262.32 $291,095.77
96 $6,696.50 3396.11735005821 $3,300.38 $287,795.39
97 $6,696.50 3357.61293902191 $3,338.88 $284,456.51
98 $6,696.50 3318.65930985686 $3,377.84 $281,078.68
99 $6,696.50 3279.25122168487 $3,417.24 $277,661.43
100 $6,696.50 3239.38337248422 $3,457.11 $274,204.32
101 $6,696.50 3199.05039837622 $3,497.45 $270,706.87
102 $6,696.50 3158.24687290363 $3,538.25 $267,168.63
103 $6,696.50 3116.96730630053 $3,579.53 $263,589.10
104 $6,696.50 3075.20614475372 $3,621.29 $259,967.81
105 $6,696.50 3032.95776965554 $3,663.54 $256,304.27
106 $6,696.50 2990.21649684788 $3,706.28 $252,597.99
107 $6,696.50 2946.97657585746 $3,749.52 $248,848.47
108 $6,696.50 2903.23218912215 $3,793.26 $245,055.21
109 $6,696.50 2858.97745120826 $3,837.52 $241,217.69
110 $6,696.50 2814.20640801871 $3,882.29 $237,335.40
111 $6,696.50 2768.91303599195 $3,927.58 $233,407.82
112 $6,696.50 2723.09124129155 $3,973.40 $229,434.42
113 $6,696.50 2676.7348589863 $4,019.76 $225,414.66
114 $6,696.50 2629.83765222083 $4,066.66 $221,348.00
115 $6,696.50 2582.39331137643 $4,114.10 $217,233.90
116 $6,696.50 2534.39545322218 $4,162.10 $213,071.80
117 $6,696.50 2485.83762005612 $4,210.66 $208,861.14
118 $6,696.50 2436.71327883647 $4,259.78 $204,601.36
119 $6,696.50 2387.01582030258 $4,309.48 $200,291.88
120 $6,696.50 2336.7385580858 $4,359.76 $195,932.12
121 $6,696.50 2285.87472780982 $4,410.62 $191,521.50
122 $6,696.50 2234.41748618062 $4,462.08 $187,059.42
123 $6,696.50 2182.35991006575 $4,514.14 $182,545.29
124 $6,696.50 2129.69499556287 $4,566.80 $177,978.48
125 $6,696.50 2076.41565705746 $4,620.08 $173,358.41
126 $6,696.50 2022.51472626949 $4,673.98 $168,684.42
127 $6,696.50 1967.98495128899 $4,728.51 $163,955.91
128 $6,696.50 1912.81899560038 $4,783.68 $159,172.24
129 $6,696.50 1857.00943709541 $4,839.49 $154,332.75
130 $6,696.50 1800.54876707454 $4,895.95 $149,436.80
131 $6,696.50 1743.42938923676 $4,953.07 $144,483.74
132 $6,696.50 1685.64361865755 $5,010.85 $139,472.89
133 $6,696.50 1627.18368075491 $5,069.31 $134,403.58
134 $6,696.50 1568.0417102434 $5,128.45 $129,275.12
135 $6,696.50 1508.20975007593 $5,188.29 $124,086.84
136 $6,696.50 1447.67975037317 $5,248.82 $118,838.02
137 $6,696.50 1386.44356734055 $5,310.05 $113,527.97
138 $6,696.50 1324.49296217254 $5,372.00 $108,155.97
139 $6,696.50 1261.81959994424 $5,434.68 $102,721.29
140 $6,696.50 1198.41504848995 $5,498.08 $97,223.21
141 $6,696.50 1134.27077726868 $5,562.22 $91,660.98
142 $6,696.50 1069.37815621651 $5,627.12 $86,033.87
143 $6,696.50 1003.72845458539 $5,692.77 $80,341.10
144 $6,696.50 937.312839768572 $5,759.18 $74,581.92
145 $6,696.50 870.122376112227 $5,826.37 $68,755.54
146 $6,696.50 802.148023713225 $5,894.35 $62,861.20
147 $6,696.50 733.3806372029 $5,963.11 $56,898.08
148 $6,696.50 663.810964516622 $6,032.68 $50,865.40
149 $6,696.50 593.429645649004 $6,103.07 $44,762.33
150 $6,696.50 522.227211394598 $6,174.27 $38,588.06
 151 $6,696.50 450.194082073889 $6,246.30 $32,341.76
152 $6,696.50 377.32056624444 $6,319.17 $26,022.59
153 $6,696.50 303.596859396979 $6,392.90 $19,629.69
154 $6,696.50 229.013042636299 $6,467.48 $13,162.21
155 $6,696.50 153.559081346744 $6,542.94 $6,619.27
156 $6,696.50 $77.22 $6,619.27 $0.00
Total $1,044,653.29 $564,653.29 $480,000.00 $48,398,853.30
ONES

eis pagos mensuales

encontrar cuánto es el

(1+2%)^-6)

mente se tiene que

-(1+8%)^-10)
 e pagos mensuales
trar de cuánto será el

(1+4%)^-9)
 precio de contado de $60
para realizar el enganche
mestrales, siendo la tasa

(1+7%)^-6)

do en $480 000 la cual

/(1-(1+1.16%)^-156)