Juan, con el dinero que se ganó en el premio gordo del pasado

1 opción: bajo la suposición que Juan negoció y le prestó a Ricardo de la siguiente manera:
- Pago a cuotas – Rentas.
- Periodo de 120 meses, capital amortizable.
- Tasa de interés de 8% efectivo anual.
- Interés compuesto.

a. Hallar el valor de la cuota mensual que Ricardo le pagará a Juan realizando tabla de amortización.
b. Halle el VF que recibirá Juan de Ricardo al cabo de los 120 meses.

Tasa efectiva 0.08

No Periodo 120
Tasa Nominal 0.64%

Monto A 50,000,000
Tasa A 0.64%
Plazo A 120
Valor cuota 416,667
VF $ 74,958,988

Cuota Valor Crédito Valor cuota Interés Renta Saldo Final

0 50,000,000 - - - 50,000,000
1 50,000,000 416,667 320,774 50,320,774 49,583,333
2 49,583,333 416,667 318,101 49,901,434 49,166,667
3 49,166,667 416,667 315,428 49,482,094 48,750,000
4 48,750,000 416,667 312,755 49,062,755 48,333,333
5 48,333,333 416,667 310,081 48,643,415 47,916,667
6 47,916,667 416,667 307,408 48,224,075 47,500,000
7 47,500,000 416,667 304,735 47,804,735 47,083,333
8 47,083,333 416,667 302,062 47,385,395 46,666,667
9 46,666,667 416,667 299,389 46,966,056 46,250,000
10 46,250,000 416,667 296,716 46,546,716 45,833,333
11 45,833,333 416,667 294,043 46,127,376 45,416,667
12 45,416,667 416,667 291,370 45,708,036 45,000,000
13 45,000,000 416,667 288,696 45,288,696 44,583,333
14 44,583,333 416,667 286,023 44,869,357 44,166,667
15 44,166,667 416,667 283,350 44,450,017 43,750,000
16 43,750,000 416,667 280,677 44,030,677 43,333,333
17 43,333,333 416,667 278,004 43,611,337 42,916,667
18 42,916,667 416,667 275,331 43,191,998 42,500,000
19 42,500,000 416,667 272,658 42,772,658 42,083,333
20 42,083,333 416,667 269,985 42,353,318 41,666,667
21 41,666,667 416,667 267,312 41,933,978 41,250,000
22 41,250,000 416,667 264,638 41,514,638 40,833,333
23 40,833,333 416,667 261,965 41,095,299 40,416,667
24 40,416,667 416,667 259,292 40,675,959 40,000,000
25 40,000,000 416,667 256,619 40,256,619 39,583,333
26 39,583,333 416,667 253,946 39,837,279 39,166,667
27 39,166,667 416,667 251,273 39,417,940 38,750,000
28 38,750,000 416,667 248,600 38,998,600 38,333,333
29 38,333,333 416,667 245,927 38,579,260 37,916,667
30 37,916,667 416,667 243,254 38,159,920 37,500,000
31 37,500,000 416,667 240,580 37,740,580 37,083,333
32 37,083,333 416,667 237,907 37,321,241 36,666,667
33 36,666,667 416,667 235,234 36,901,901 36,250,000
34 36,250,000 416,667 232,561 36,482,561 35,833,333
35 35,833,333 416,667 229,888 36,063,221 35,416,667
36 35,416,667 416,667 227,215 35,643,881 35,000,000
37 35,000,000 416,667 224,542 35,224,542 34,583,333
38 34,583,333 416,667 221,869 34,805,202 34,166,667
39 34,166,667 416,667 219,195 34,385,862 33,750,000
40 33,750,000 416,667 216,522 33,966,522 33,333,333
41 33,333,333 416,667 213,849 33,547,183 32,916,667
42 32,916,667 416,667 211,176 33,127,843 32,500,000
43 32,500,000 416,667 208,503 32,708,503 32,083,333
44 32,083,333 416,667 205,830 32,289,163 31,666,667
45 31,666,667 416,667 203,157 31,869,823 31,250,000
46 31,250,000 416,667 200,484 31,450,484 30,833,333
47 30,833,333 416,667 197,811 31,031,144 30,416,667
48 30,416,667 416,667 195,137 30,611,804 30,000,000
49 30,000,000 416,667 192,464 30,192,464 29,583,333
50 29,583,333 416,667 189,791 29,773,125 29,166,667
51 29,166,667 416,667 187,118 29,353,785 28,750,000
52 28,750,000 416,667 184,445 28,934,445 28,333,333
53 28,333,333 416,667 181,772 28,515,105 27,916,667
54 27,916,667 416,667 179,099 28,095,765 27,500,000
55 27,500,000 416,667 176,426 27,676,426 27,083,333
56 27,083,333 416,667 173,753 27,257,086 26,666,667
57 26,666,667 416,667 171,079 26,837,746 26,250,000
58 26,250,000 416,667 168,406 26,418,406 25,833,333
59 25,833,333 416,667 165,733 25,999,066 25,416,667
60 25,416,667 416,667 163,060 25,579,727 25,000,000
61 25,000,000 416,667 160,387 25,160,387 24,583,333
62 24,583,333 416,667 157,714 24,741,047 24,166,667
63 24,166,667 416,667 155,041 24,321,707 23,750,000
64 23,750,000 416,667 152,368 23,902,368 23,333,333
65 23,333,333 416,667 149,694 23,483,028 22,916,667
 66 22,916,667 416,667 147,021 23,063,688 22,500,000
67 22,500,000 416,667 144,348 22,644,348 22,083,333
68 22,083,333 416,667 141,675 22,225,008 21,666,667
69 21,666,667 416,667 139,002 21,805,669 21,250,000
70 21,250,000 416,667 136,329 21,386,329 20,833,333
71 20,833,333 416,667 133,656 20,966,989 20,416,667
72 20,416,667 416,667 130,983 20,547,649 20,000,000
73 20,000,000 416,667 128,310 20,128,310 19,583,333
74 19,583,333 416,667 125,636 19,708,970 19,166,667
75 19,166,667 416,667 122,963 19,289,630 18,750,000
76 18,750,000 416,667 120,290 18,870,290 18,333,333
77 18,333,333 416,667 117,617 18,450,950 17,916,667
78 17,916,667 416,667 114,944 18,031,611 17,500,000
79 17,500,000 416,667 112,271 17,612,271 17,083,333
80 17,083,333 416,667 109,598 17,192,931 16,666,667
81 16,666,667 416,667 106,925 16,773,591 16,250,000
82 16,250,000 416,667 104,252 16,354,252 15,833,333
83 15,833,333 416,667 101,578 15,934,912 15,416,667
84 15,416,667 416,667 98,905 15,515,572 15,000,000
85 15,000,000 416,667 96,232 15,096,232 14,583,333
86 14,583,333 416,667 93,559 14,676,892 14,166,667
87 14,166,667 416,667 90,886 14,257,553 13,750,000
88 13,750,000 416,667 88,213 13,838,213 13,333,333
89 13,333,333 416,667 85,540 13,418,873 12,916,667
90 12,916,667 416,667 82,867 12,999,533 12,500,000
91 12,500,000 416,667 80,193 12,580,193 12,083,333
92 12,083,333 416,667 77,520 12,160,854 11,666,667
93 11,666,667 416,667 74,847 11,741,514 11,250,000
94 11,250,000 416,667 72,174 11,322,174 10,833,333
95 10,833,333 416,667 69,501 10,902,834 10,416,667
96 10,416,667 416,667 66,828 10,483,495 10,000,000
97 10,000,000 416,667 64,155 10,064,155 9,583,333
98 9,583,333 416,667 61,482 9,644,815 9,166,667
99 9,166,667 416,667 58,809 9,225,475 8,750,000
100 8,750,000 416,667 56,135 8,806,135 8,333,333
101 8,333,333 416,667 53,462 8,386,796 7,916,667
102 7,916,667 416,667 50,789 7,967,456 7,500,000
103 7,500,000 416,667 48,116 7,548,116 7,083,333
104 7,083,333 416,667 45,443 7,128,776 6,666,667
105 6,666,667 416,667 42,770 6,709,437 6,250,000
106 6,250,000 416,667 40,097 6,290,097 5,833,333
107 5,833,333 416,667 37,424 5,870,757 5,416,667
108 5,416,667 416,667 34,751 5,451,417 5,000,000
109 5,000,000 416,667 32,077 5,032,077 4,583,333
110 4,583,333 416,667 29,404 4,612,738 4,166,667
111 4,166,667 416,667 26,731 4,193,398 3,750,000
112 3,750,000 416,667 24,058 3,774,058 3,333,333
113 3,333,333 416,667 21,385 3,354,718 2,916,667
114 2,916,667 416,667 18,712 2,935,378 2,500,000
115 2,500,000 416,667 16,039 2,516,039 2,083,333
116 2,083,333 416,667 13,366 2,096,699 1,666,667
117 1,666,667 416,667 10,692 1,677,359 1,250,000
118 1,250,000 416,667 8,019 1,258,019 833,333
119 833,333 416,667 5,346 838,680 416,667
120 416,667 416,667 2,673 419,340 0
 Aconsejar a Juan - Unidad 2
ganó en el premio gordo del pasado mes de diciembre, que ascendía a la suma de $50 millones piensa realizar las siguientes opciones:

2 opción: Juan, con las rentas que Ricardo le pagará cada mes, p
Rentístico, el cual le paga a una tasa de 5% nominal semestral.

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

- Con el valor ahorrado en el banco Rentístico al cabo de los 60 m

rtización.
Supersolidario, otros 60 meses, a una tasa de 8% NA. Halle, el VF

Banco Rentístico
Tasa NS 5%
Tasa EA 5.06
Tasa EM 1.94

Periodo Valor Ahorro Intereses

1 50,320,774 978,476
2 49,901,434 970,322
3 49,482,094 962,168
4 49,062,755 954,014
5 48,643,415 945,860
6 48,224,075 937,706
7 47,804,735 929,552
8 47,385,395 921,398
9 46,966,056 913,244
10 46,546,716 905,090
11 46,127,376 896,936
12 45,708,036 888,782
13 45,288,696 880,628
14 44,869,357 872,474
15 44,450,017 864,320
16 44,030,677 856,166
17 43,611,337 848,012
18 43,191,998 839,858
19 42,772,658 831,704
20 42,353,318 823,550
21 41,933,978 815,396
22 41,514,638 807,243
23 41,095,299 799,089
24 40,675,959 790,935
25 40,256,619 782,781
26 39,837,279 774,627
27 39,417,940 766,473
28 38,998,600 758,319
29 38,579,260 750,165
30 38,159,920 742,011
31 37,740,580 733,857
32 37,321,241 725,703
33 36,901,901 717,549
34 36,482,561 709,395
35 36,063,221 701,241
36 35,643,881 693,087
37 35,224,542 684,933
38 34,805,202 676,779
39 34,385,862 668,625
40 33,966,522 660,471
41 33,547,183 652,317
42 33,127,843 644,163
43 32,708,503 636,009
44 32,289,163 627,855
45 31,869,823 619,701
46 31,450,484 611,547
47 31,031,144 603,393
48 30,611,804 595,239
49 30,192,464 587,085
50 29,773,125 578,932
51 29,353,785 570,778
52 28,934,445 562,624
53 28,515,105 554,470
54 28,095,765 546,316
55 27,676,426 538,162
56 27,257,086 530,008
57 26,837,746 521,854
58 26,418,406 513,700
59 25,999,066 505,546
60 25,579,727 497,392
r las siguientes opciones:

icardo le pagará cada mes, pretende realizar un ahorro durante 60 meses en el banco
de 5% nominal semestral.

ue le generara el ahorro con el banco Rentístico.

Rentístico al cabo de los 60 meses, Juan pretende depositarlo en el banco

na tasa de 8% NA. Halle, el VF que tendrá que recibir Juan del banco Supersolidario.

Banco Supersolidario
Tasa NA 8%
VF $ 1,185,499,719

Acumulado
51,299,250
52,269,571
53,231,739
54,185,753
55,131,613
56,069,319
56,998,871
57,920,269
58,833,513
59,738,603
60,635,540
61,524,322
62,404,950
63,277,424
64,141,744
64,997,911
65,845,923
66,685,782
67,517,486
68,341,036
69,156,433
69,963,675
70,762,764
71,553,699
72,336,479
73,111,106
73,877,579
74,635,897
75,386,062
76,128,073
76,861,930
77,587,633
78,305,182
79,014,577
79,715,817
80,408,905
81,093,838
81,770,617
82,439,242
83,099,713
83,752,030
84,396,193
85,032,203
85,660,058
86,279,759
86,891,307
87,494,700
88,089,939
88,677,025
89,255,956
89,826,734
90,389,358
90,943,827
91,490,143
92,028,305
92,558,312
93,080,166
93,593,866
94,099,412
94,596,804