a).

- Calculo de amortizacion
P= 100,000.00
j= 0.24
m= 12
n= 6
i=0.24/12= 0.02

A= 17,852.58 -$17,852.58

b).- Tabla de amotizacion

Periodo Pago Monto Saldo

Amortizacion Derechosdeudor DAC %
fin de mes Mensual Interes Insoluto

0 100,000.00 0.00 100.0

1 17,852.58 2,000.00 15,852.58 84,147.42 15,852.58 84.1
2 17,852.58 1,682.95 16,169.63 67,977.79 32,022.21 68.0
3 17,852.58 1,359.56 16,493.03 51,484.76 48,515.24 51.5
4 17,852.58 1,029.70 16,822.89 34,661.87 65,338.13 34.7
5 17,852.58 693.24 17,159.34 17,502.53 82,497.47 17.5
6 17,852.58 350.05 17,502.53 0.00 100,000.00 0.0
Suma 107,115.49 7,115.49 100,000.00
DAC %

0.0
15.9
32.0
48.5
65.3
82.5
100.0
Datos:
F= 240,000
i= 0.08
n= 6

A= 32,715.693 -$32,715.69

Cantidad que se % de
Periodos acumula al fondo Saldo final acumulación
(n) Rentas (A) Intereses (I) (CA) R + I (F) del fondo
1 32,715.69 0.00 32,715.69 32,715.69 13.63%
2 32,715.69 2,617.26 35,332.95 68,048.64 28.35%
3 32,715.69 5,443.89 38,159.58 106,208.22 44.25%
4 32,715.69 8,496.66 41,212.35 147,420.58 61.43%
5 32,715.69 11,793.65 44,509.34 191,929.91 79.97%
6 32,715.69 15,354.39 48,070.09 240,000.00 100.00%
Total 196,294.16 43,705.84 240,000.00
Datos:
F= 300,000 40,894.616
i= 0.08 0.08
n= 6 4

A= 40,894.616 -$40,894.62 -$184,275.72

Cantidad que se % de
Periodos acumula al fondo Saldo final acumulación
(n) Rentas (A) Intereses (I) (CA) R + I (F) del fondo
1 40,894.62 0.00 40,894.62 40,894.62 13.63%
2 40,894.62 3,271.57 44,166.19 85,060.80 28.35%
3 40,894.62 6,804.86 47,699.48 132,760.28 44.25%
4 40,894.62 10,620.82 51,515.44 184,275.72 61.43%
5 40,894.62 14,742.06 55,636.67 239,912.39 79.97%
6 40,894.62 19,192.99 60,087.61 300,000.00 100.00%
Total 245,367.70 54,632.30 300,000.00
 F = 20,000,000.000
A= 150,000.000
I= 0.03

115,724.280698647 -54.448685007

115,724.28