Datos: Anualidad-monto-Vencida

Datos: Anualidad en Funcion del Monto: (Vencida o Anticipada)

A
n 3
j 0.08
m 6
R Q 1,850.00
p 4
S ?
Y Renta Anualidad Factor Anticipa
m * n
- 1
S = R * ( 1 + j / m )
m / p * ( 1
( 1 + j / m )
- 1

6 * 3
- 1
S = Q 1,850.00 * ( 1 + 0 / 6 )
6 / 4 * ( 1
( 1 + 0 / 6 )
- 1

18
- 1
S = Q 1,850.00 * ( 1 + 0.0133 )
1.5 * ( 1
( 1 + 0.0133 )
- 1

18
- 1
S = Q 1,850.00 * ( 1.01333333 )
1.5 * ( 1.01333333
( 1.01333333 )
- 1

1.269234650615 - 1
S = Q 1,850.00 * * 1.0200665192
1.020066519254 - 1
 0.26923465061468
S = Q 1,850.00 * * 1.0200665192
0.0200665192543592

S = Q 1,850.00 * 13.417107730639 * 1.0200665192

S = Q 24,821.65
 Factor Anticipación

m / p
+ j / m )

6 / 4
+ 0 / 6 )

1.5
+ 0.0133 )

1.5
1.01333333 )

1.02006651925436
1.02006651925436

1.02006651925436
Anualidad-Monto-Vencida
Datos: Anualidad en Funcion del Monto: (Vencida o Anticipada)
A
n 4
j 0.095
m 4
R Q 1,900.00
p 12
S
Y Renta Anualidad Factor An
m * n
- 1
S = R * ( 1 + j / m )
m / p * (
( 1 + j / m )
- 1

4 * 4
- 1
S = Q 1,900.00 * ( 1 + 0.095 / 4 )
4 /### * (
( 1 + 0.095 / 4 )
- 1

16
- 1
S = Q 1,900.00 * ( 1 + 0.02375 )
0.3333 * (
( 1 + 0.02375 )
- 1

16
- 1
S = Q 1,900.00 * ( 1.02375 )
0.3333 * (
( 1.02375 )
- 1

1.45580308813395 - 1
S = Q 1,900.00 * * 1.0078548
1.00785480712967 - 1
 0.455803088133951
S = Q 1,900.00 * * 1.0078548
0.00785480712967179

S = Q 1,900.00 * 58.0285525295892 * 1.0078548

S = Q 110,254.25
 Factor Anticipación

m / p
1 + j / m )

4 /###
1 + 0.095 / 4 )

0.3333
1 + 0.02375 )

0.3333
1.02375 )

1.00785480712967
1.00785480712967

1.00785480712967
Anulidad-Monto-Anticipada=S
Datos: Anualidad en Funcion del Monto: (Vencida o Anticipada)
A
n 5
j 0.085
m 4
R Q 12,000.00
p 2
S
Y Renta Anualidad Factor Antic
m * n
- 1
S = R * ( 1 + j / m )
m / p * ( 1
( 1 + j / m )
- 1

4 * 5
- 1
S = Q 12,000.00 * ( 1 + 0.085 / 4 )
4 / 2 * ( 1
( 1 + 0.085 / 4 )
- 1

20
- 1
S = Q 12,000.00 * ( 1 + 0.02125 )
2 * ( 1
( 1 + 0.02125 )
- 1

20
- 1
S = Q 12,000.00 * ( 1.02125 )
2 * ( 1.02125
( 1.02125 )
- 1

1.52279481992336 - 1
S = Q 12,000.00 * * 1.042951
1.0429515625 - 1

0.522794819923358
S = Q 12,000.00 * * 1.042951
 0.522794819923358
S = Q 12,000.00 * * 1.042951
0.0429515624999999

S = Q 12,000.00 * 12.1717299556532 * 1.042951

S = Q 152,334.30
 Factor Anticipación

m / p
+ j / m )

4 / 2
+ 0.085 / 4 )

2
+ 0.02125 )

2
1.02125 )

1.0429515625

1.0429515625
1.0429515625

1.0429515625
Anualidad-Valor Actual-Vencido

DATOS: Anulidada en Base al Valor Actual. (Anticipada, Vencida y con difermiento)

A ?

n 5

j 0.08

m 4

R Q 6,700.00

p 4

S
y Renta Anualidad

- m * n
1 - [ ]
A = R * ( 1 + j / m )

[ ]
m / p
( 1 + j / m )
-

- 4 * 5
1 - [ ]
A = Q 6,700.00 * ( 1 + 0 / 4 )

[ ]
4 / 4
( 1 + 0 / 4 )
-

- 20
1 - [ ]
A = Q 6,700.00 * ( 1 + 0.02 )

[ ]
1
( 1 + 0.02 )
-

- 20
1 - [ ]
A = Q 6,700.00 *
 1 - [ ]
A = Q 6,700.00 * ( 1.02 )

[ ]
1
( 1.02 )
-

1 - [ 0.672971333108058
]
A = Q 6,700.00 *
[ 1.02
] -

0.327028666891942
A = Q 6,700.00 *
0.02

A = Q 6,700.00 * 16.3514333445971

A = Q 109,554.60
 Factor Anticipación Factor Diferimiento

* m / p * - m * y

( 1 + j / m ) ( 1 + j / m )
1

* 4 / 4 * - 4 * 0

( 1 + 0 / 4 ) ( 1 + 0 / 4 )
1

* 1 * - 0

( 1 + 0.02 ) ( 1 + 0.02 )
1

* *
 * 1 * - 0

( 1.02 ) ( 1.02 )
1

* 1.02 * 1

2
* 1.02 * 1

1 * 1.02 * 1
Anualidad-Valor Actual-Vencida-Diferimiento

DATOS: Anulidada en Base al Valor Actual. (Anticipada, Vencida y con difermiento)

A ?

n 10

j 0.2

m 4

R Q 4,000.00

p 12

S
y 1.16666667 Renta Anualidad

- m * n
1 - [ ]
A = R * ( 1 + j / m )

[ ]
m / p
( 1 + j / m )

- 4 *###
1 - [ ]
A = Q 4,000.00 * ( 1 + 0.2 / 4 )

[ ]
4 / ###
( 1 + 0.2 / 4 )

- 40
1 - [ ]
A = Q 4,000.00 * ( 1 + 0.05 )

[ ]
0.3333
( 1 + 0.05 )
 - 40
1 - [ ]
A = Q 4,000.00 * ( 1.05 )

[ ]
0.3333
( 1.05 )

1 - [ 0.142045682300278
]
A = Q 4,000.00 *
[ 1.01639635681485
]
0.857954317699722
A = Q 4,000.00 *
0.0163963568148535

A = Q 4,000.00 * 52.3259116270572

A = Q 166,683.80

Enganche Q 43,316.20
valor contado Q 210,000.00
 Factor Anticipación Factor Diferimiento

* m / p * - m * y

( 1 + j / m ) ( 1 + j / m )
- 1

* 4 /### * - 4 * 1

( 1 + 0.2 / 4 ) ( 1 + 0.2 / 4 )
- 1

* 0.3333 * - 4.6667

( 1 + 0.05 ) ( 1 + 0.05 )
- 1
 * 0.3333 * - 4.6667

( 1.05 ) ( 1.05 )
- 1

* 1.01639635681485 * 0.79637314106765

- 1

22
* 1.01639635681485 * 0.79637314106765
35

72 * 1.01639635681485 * 0.79637314106765
DATOS: Anulidada en Base al Valor Actual. (Anticipada, Vencida y con difermiento)

A ?

n 1.5

j 0.24

m 6

R Q 525.00

p 12

S
y Renta Anualidad

- m * n
1 - [ ]
A = R * ( 1 + j / m )

[ ]
m / p
( 1 + j / m )

- 6 * 1.5
1 - [ ]
A = Q 525.00 * ( 1 + 0.24 / 6 )

[ ]
6 / 12
( 1 + 0.24 / 6 )

- 9
1 - [ ]
A = Q 525.00 * ( 1 + 0.04 )

[ ]
0.5
( 1 + 0.04 )

- 9
1 - [ ]
A = Q 525.00 *
 1 - [ ]
A = Q 525.00 * ( 1.04 )

[ ]
0.5
( 1.04 )

1 - [ 0.70258673557883
]
A = Q 525.00 *
[ 1.01980390271856
]
0.29741326442117
A = Q 525.00 *
0.019803902718557

A = Q 525.00 * 15.0179118049536

A = Q 7,884.40

Enganche Q 876.04
valor contado Q 8,760.45

10 x
90 Q 7,884.40
 Factor Anticipación Factor Diferimiento

* m / p * - m * y

( 1 + j / m ) ( 1 + j / m )
- 1

* 6 / 12 * - 6 * 0

( 1 + 0.24 / 6 ) ( 1 + 0.24 / 6 )
- 1

* 0.5 * - 0

( 1 + 0.04 ) ( 1 + 0.04 )
- 1

* *
 * 0.5 * - 0

( 1.04 ) ( 1.04 )
- 1

* 1.01980390271856 * 1

- 1

17
* 1.01980390271856 * 1
57

36 * 1.01980390271856 * 1
DATOS: Anulidada en Base al Valor Actual. (Anticipada, Vencida y con difermiento)

A ?

n 4

j 0.165

m 2

R Q 2,000.00

p 4

S
y Renta Anualidad

- m * n
1 - [ ]
A = R * ( 1 + j / m )

[ ]
m / p
( 1 + j / m )

- 2 * 4
1 - [ ]
A = Q 2,000.00 * ( 1 + 0.165 / 2 )

[ ]
2 / 4
( 1 + 0.165 / 2 )

- 8
1 - [ ]
A = Q 2,000.00 * ( 1 + 0.0825 )

[ ]
0.5
( 1 + 0.0825 )

- 8
1 - [ ]
A = Q 2,000.00 *
 1 - [ ]
A = Q 2,000.00 * ( 1.0825 )

[ ]
0.5
( 1.0825 )

1 - [ 0.530367324629552
]
A = Q 2,000.00 *
[ 1.04043260233424
]
0.469632675370448
A = Q 2,000.00 *
0.0404326023342405

A = Q 2,000.00 * 11.6151978417857

A = Q 23,230.40
 Factor Anticipación Factor Diferimiento

* m / p * - m * y

( 1 + j / m ) ( 1 + j / m )
- 1

* 2 / 4 * - 2 * 0

( 1 + 0.165 / 2 ) ( 1 + 0.165 / 2 )
- 1

* 0.5 * - 0

( 1 + 0.0825 ) ( 1 + 0.0825 )
- 1

* *
 * 0.5 * - 0

( 1.0825 ) ( 1.0825 )
- 1

* 1.04043260233424 * 1

- 1

8
* 1.04043260233424 * 1
5

7 * 1.04043260233424 * 1
Anualidad-Valor Actual-Vencidos-tiempo
Datos: Anualidad-Anticipada-Diferida-En Funcion del Valor Actual
A Q 55,000.00
n 5.0675430787
j 0.21
m 2
R Q 1,450.00

{
p 12

n= [
S
A [
1-
Log
( 1
y
R *
( 1
m Log ( 1

n= Log

{ 1- [ 2
Q

Q
55,000.00

1,450.00 *
Log
[ ( 1

( 1
( 1

n= Log

{ 1- [ 2
Q

Q
55,000.00

1,450.00 *
Log
[ ( 1

( 1
( 1

n= Log

{ 1- [ 2
Q

Q
55,000.00

1,450.00 *
Log
[ (

(
(
1.105

1.105
1.105

n= Log

{
 n= Log

{ 1- [ 2
Q

Q
55,000.00

1,450.00 *
[ 1.01678011

1.01678011
0.0433622780211295

n= Log

{ 1- [
Q

Q
55,000.00

1,450.00 *
[ 0.016780

1.01678011
0.086724556

1
verificar si se multiplica por
anticipacion y diferimiento n= Log

{ 1- [ 0.086724556

n= Log

{ 1- [ 0.63

0.086724556

n= Log

{ 0.3635126
0.086724556

n= Log
{ 2.7509356
n=
0.086724556

n= 0.439480423

0.086724556

n= 5.06754307
 1
+ j

+ j
+ j
/ m )

/ m )
/ m )
m / p

m / p
-

*
1
(
]
1+ j
- m * y
/ m )
}
1
+

+
+
0.21 /

0.21 /
0.21 /
2)

2)
2)
2 / 12

2 / 12
-

*
1
(
]
1+ 0.21 /
-
2)
2* 0 }
1
+

+
+
0.105

0.105
0.105
)

)
)
0.16667

0.16667
-

*
1
(
]
1+ 0.105
-
)
0 }
1
1.105

1.105
1.105
)

)
)
0.16667

0.16667
-

*
1
(
]
1.105
-
)
0 }
1

}
 1.01678011999377

1.01678011999377
3622780211295
-

*
1 ]
1
}
1
0.0167801199937681

1.01678011999377
0.086724556042259
*
]
1
}
1

0.086724556042259
Q922.91

Q1,450.00 }
1

0.636487310108443

0.086724556042259
}
1

0.363512689891557
0.086724556042259
}
2.75093560089558
}
 0.086724556042259

0.439480423721908

0.086724556042259

5.06754307866112
Anualidad-Monto-Vencido=tiempo
Datos: Anulidad-Monto-(Vencida o Anticipada) Tiempo
A
n 4.8561210131 4 años 10 meses y 8 dias
j 0.08
m 4

{ [
R
p
Q 1,200.00
12
S [ ( 1+ j
m / p
/ m )
Log
S Q 85,000.00 n =
R
m / p
y * ( 1+ j / m )
m log ( 1+ j / m )

{ [
Q 85,000.00 [ ( 1+ 0.08 / 4)
4 /###

Log
n =
Q 1,200.00
4 /###
* ( 1+ 0.08 / 4)
4 log ( 1+ 0.08 / 4)

{ [ [ 0.3333
Q 85,000.00 ( 1+ 0.02 )
Log
n =
Q 1,200.00
0.3333
* ( 1+ 0.02 )
4 log ( 1+ 0.02 )

{ [
Q 85,000.00 [ ( 1.02 )
0.3333

Log
n =
Q 1,200.00
0.3333
* ( 1.02 )
4 log ( 1.02 )

{ [
Q 85,000.00 [ 1.00662270956011
Log
n =
Q 1,200.00
* 1.00662270956011
4 0.00860017176191757

{ [ [
Q 85,000.00 0.00662270956011302
Log
n =
Q 1,200.00
* 1.00662270956011
 n =

0.0344006870476703

{ [
562.930312609606
Log
Ver si es anticipado aquí
n =
Q 1,200.00
mutiplicar la renta por el
factor de anticipacion. 0.0344006870476703

n =
Log
{ 0.469108593841339
0.0344006870476703

n =
Log
{ 1.46910859384134
0.0344006870476703

0.167053899236795
n =

0.0344006870476703

n = 4.85612101308624

4.85612101308624
años 4 4 años
0.856121013086235
meses por año 12
10.2734521570348 10 meses
meses 10
0.273452157034821
dias mes 30
8.20356471104464 8 dias
 - 1
]
] }
+ 1

]
] }
- 1
+ 1

]
] }
- 1
+ 1

]
] }
- 1
+ 1

]
] }
- 1
+ 1

0956011302
]
] }
+ 1
 ] }
06
+ 1
1,200.00

1339
+ 1
}
6703

4134
}
6703

6703

624
Anualidad-Monto-Anticipado-Tiempo
Datos: Anulidad-Monto-(Vencida o Anticipada) Tiempo
A
n 11.6988848858
j 0.14
m 4

{ [
R
p
Q 500.00
12
S [
Log
S Q 175,500.00 n =
R
y *
m log

{ [
Q 175,500.00 [
Log
n =
Q 500.00
*
4 log

{ [
Q 175,500.00 [
Log
n =
Q 500.00
*
4 log

{ [
Q 175,500.00 [
Log
n =
Q 500.00
*
4 log

{ [ [
Q 175,500.00
Log
n =
Q 500.00
*
4 0.01494034979

{ [ [
Q 175,500.00
Log
n =
Q 500.00
*
0.05976139917174
 { [
2024.06641212
Log
Ver si es anticipado aquí
n =
Q
mutiplicar la renta por el
factor de anticipacion. 0.05976139917174

n =
Log
{ 4.00197745024
0.059761399171

n =
Log
{ 5.001977450
0.059761399171

0.69914172952609
n =

0.059761399171

n = 11.698884885
 ]
] }
m / p
( 1+ j / m ) - 1
+ 1
m / p
( 1+ j / m )
( 1+ j / m )

]
] }
4 / 12
- 1
( 1+ 0.14 / 4)
+ 1
4 / 12
( 1+ 0.14 / 4)
( 1+ 0.14 / 4)

]
] }
0.33333
- 1
( 1+ 0.035 )
+ 1
0.33333
( 1+ 0.035 )
( 1+ 0.035 )

]
] }
0.33333
- 1
( 1.035 )
+ 1
0.33333
( 1.035 )
( 1.035 )

]
] }
- 1
1.01153314194944
+ 1

1.01153314194944
0.0149403497929365

0.0115331419494409

1.01153314194944
0.0597613991717461
]
] }
+ 1
 ] }
2024.06641212688
+ 1
505.77
0.0597613991717461

4.00197745024165
+ 1
}
0.0597613991717461

5.00197745024165
}
0.0597613991717461

0.699141729526092

0.0597613991717461

11.698884885825
Anualidad-valor Actual-anticipada-diferimiento
Datos: Anualidad-Anticipada-Diferida-En Funcion del Valor Actual
A Q 50,000.00
n 5.1683964522
j 0.22
m 2
R Q 5,000.00

{
p 4

n= [
S
A [
1-
Log
( 1
y 1.25
R *
( 1
m Log ( 1

n= Log

{ 1- [ 2
Q

Q
50,000.00

5,000.00 *
Log
[ ( 1

( 1
( 1

n= Log

{ 1- [ 2
Q

Q
50,000.00

5,000.00 *
Log
[ ( 1

( 1
( 1

n= Log

{ 1- [ 2
Q

Q
50,000.00

5,000.00 *
Log
[ (

(
(
1.11

1.11
1.11
 1

n= Log

{ 1- [ 2
Q

Q
50,000.00

5,000.00 *
[ 1.05356537

1.05356537
0.0453229787866575

n= Log

{ 1- [
Q

Q
50,000.00

5,000.00 *
[ 0.0535653

1.05356537
0.0906459575

1
verificar si se multiplica por
anticipacion y diferimiento n= Log

{ 1- [ 0.0906459575

n= Log

{ 1- [ 0.659

0.0906459575

n= Log

{ 0.34002101
0.0906459575

n= Log
{ 2.94099472
n= Log
{ 2.94099472
0.0906459575

n= 0.4684942455

0.0906459575

n= 5.168396452
 1
+ j

+ j
+ j
/ m )

/ m )
/ m )
m / p

m / p
-

*
1
(
]
1+ j
- m * y
/ m )
}
1
+

+
+
0.22 /

0.22 /
0.22 /
2)

2)
2)
2/ 4

2/ 4
-

*
1
(
]
1+ 0.22 /
-
2)
2* 1 }
1
+

+
+
0.11

0.11
0.11
)

)
)
0.5

0.5
-

*
1
(
]
1+ 0.11
-
)
2.5 }
1
1.11

1.11
1.11
)

)
)
0.5

0.5
-

*
1
(
]
1.11
-
)
2.5 }
 1
1.05356537528527

1.05356537528527
3229787866575
-

*
1 ]
0.770357922045693
}
1
0.0535653752852738

1.05356537528527
0.0906459575733149
*
]
0.770357922045693
}
1

0.0906459575733149
Q2,678.27

Q4,058.11 }
1

0.659978988889859

0.0906459575733149
}
1

0.340021011110141
0.0906459575733149
}
2.94099472481151
}
 2.94099472481151
0.0906459575733149
}
0.468494245524646

0.0906459575733149

5.16839645216087
Anualidad-Valor Actual-vencido-diferimiento
Datos: Anualidad-Anticipada-Diferida-En Funcion del Valor Actual
A Q 35,000.00
n ?
j 0.2
m 4
R Q 3,000.00

{
p 6

n= [
S
A [
1-
Log
( 1
y 1.3333333333
R *
( 1
m Log ( 1

n= Log

{ 1- [ 4
Q

Q
35,000.00

3,000.00 *
Log
[ ( 1

( 1
( 1

n= Log

{ 1- [ 4
Q

Q
35,000.00

3,000.00 *
Log
[ ( 1

( 1
( 1

n= Log

{ 1- [ 4
Q

Q
35,000.00

3,000.00 *
Log
[ (

(
(
1.05

1.05
1.05
 n= Log

{ 1- [ 4
Q

Q
35,000.00

3,000.00 *
[ 1.0330615

1.0330615
0.0211892990699381

n= Log

{ 1- [
Q

Q
35,000.00

3,000.00 *
[ 0.033061

1.0330615
0.08475719

verificar si se multiplica por

anticipacion y diferimiento n= Log

{ 1- [ 0.08475719

n= Log

{ 1- [ 0.5

0.08475719

n= Log

{ 0.499643
0.08475719

n= Log
{ 2.001427
n= Log
{ 2.001427
0.08475719

n= 0.3013398

0.08475719

n= 3.5553306

3.55533069804224
quito años 3
0.55533069804224
meses al año 12
meses 6.66396837650687
quito meses 6
franccion mes 0.66396837650687
dias por mes 30
19.9190512952061
 1
+

+
+
j

j
j
/ m )

/ m )
/ m )
m / p

m / p
-

*
1
(
]
1+ j
- m * y
/ m )
}
1
+

+
+
0.2 /

0.2 /
0.2 /
4)

4)
4)
4/ 6

4/ 6
-

*
1
(
]
1+ 0.2 /
-
4)
4 * 1.333 }
1
+

+
+
0.05

0.05
0.05
)

)
)
0.6667

0.6667
-

*
1
(
]
1+ 0.05
- 5.3333333
)
}
1
1.05

1.05
1.05
)

)
)
0.6667

0.6667
-

*
1
(
]
1.05
- 5.3333333
)
}
 1
1.03306155414651

1.03306155414651
11892990699381
-

*
1 ]
0.770886437377486
}
1
0.0330615541465069

1.03306155414651
0.0847571962797524
*
]
0.770886437377486
}
1

0.0847571962797524
Q1,157.15

Q2,312.66 }
1

0.500356619350367

0.0847571962797524
}
1

0.499643380649633
0.0847571962797524
}
2.00142749554654
}
 2.00142749554654
0.0847571962797524
}
0.301339861813395

0.0847571962797524

3.55533069804224

3 años

6 meses

20 dias
 meses
problema 5 1 2 3 4 5 6 7 8 9 10 11 12 13 14

Trimestres
Problema 11 1 2 3 4 5 6 7 8 9 10 11 12
1 año 2 año 3 año

Problema Bimestrales
1 2 3 4 5 6 7 8 9 10 11 12
1 año 1año
15 16 17
Datos: Anulidad-Monto-(Vencida o Anticipada) Tiempo
A
n
j 0.08
m 6

{ [
R
p
Q 1,850.00
4
S [ ( 1+ j / m )
m / p
- 1
Log
S Q 24,821.65 n =
R
m / p
y * ( 1+ j / m )
m log ( 1 + j / m )

{ [
Q 24,821.65 [ ( 1+ 0/ 6)
6/ 4
- 1
Log
n =
Q 1,850.00
6/ 4
* ( 1+ 0/ 6)
6 log ( 1 + 0 / 6)

{ [
Q 24,821.65 [ ( 1 + 0.0133 )
1.5
- 1
Log
n =
Q 1,850.00
1.5
* ( 1 + 0.0133 )
6 log ( 1 + 0.0133 )

{ [
Q 24,821.65 [ ( 1.01333333 )
1.5
- 1
Log
n =
Q 1,850.00
1.5
* ( 1.01333333 )
6 log ( 1.01333333 )

{ [ [
Q 24,821.65 1.02006651925436
- 1
Log
n =
Q 1,850.00
* 1.02006651925436
6 0.0057523288890914

{ [ [
Q 24,821.65 0.0200665192543592
Log
n =
Q 1,850.00
* 1.02006651925436
0.034513973334548
 { [
498.084117649965
Log
n =
Q 1,850.00
0.034513973334548

n =
Log
{ 0.26923465818917
0.034513973334548

n =
Log
{ 1.26923465818917
0.034513973334548

0.10354192259541
n =

0.034513973334548

n = 3.00000007509324
]
] }
+ 1

]
] }
+ 1

]
] }
+ 1

]
] }
+ 1

]
] }
+ 1

]
] }
+ 1
 1,850.00 ] }
+ 1

17
+ 1
}
8

917
}
8

24