Valor credito $ 95,000,000

Una deuda de $95.000.000 será pagada mediante cuotas quincen

cada periodo a un plazo de 8 años. Calcular el valor de la primera
Gradiente 5000 interés del 16% Nominal de 7 meses vencido durante los primero
Cuotas $ 534,411 meses anticipado durante los siguientes 5 años.
plazo 8 años
Cuotas Quincenales 192

Inte 16% N 7 V 3 años 1.7142857143 9.3333%

Inte 2 19% N 5 A 5 años 2.4 0.07916667

periodo Cuota Intéres Amortización Saldo Tasa

0 $95,000,000 0.6394%
1 $534,411 $607,431 -$73,019 $95,073,019 0.6394%
2 $539,411 $607,898 -$68,486 $95,141,505 0.6394%
3 $544,411 $608,335 -$63,924 $95,205,430 0.6394%
4 $549,411 $608,744 -$59,333 $95,264,762 0.6394%
5 $554,411 $609,124 -$54,712 $95,319,475 0.6394%
6 $559,411 $609,473 -$50,062 $95,369,537 0.6394%
7 $564,411 $609,794 -$45,382 $95,414,919 0.6394%
8 $569,411 $610,084 -$40,672 $95,455,591 0.6394%
9 $574,411 $610,344 -$35,932 $95,491,523 0.6394%
10 $579,411 $610,574 -$31,162 $95,522,685 0.6394%
11 $584,411 $610,773 -$26,361 $95,549,047 0.6394%
12 $589,411 $610,941 -$21,530 $95,570,577 0.6394%
13 $594,411 $611,079 -$16,668 $95,587,244 0.6394%
14 $599,411 $611,186 -$11,774 $95,599,018 0.6394%
15 $604,411 $611,261 -$6,849 $95,605,868 0.6394%
16 $609,411 $611,305 -$1,893 $95,607,761 0.6394%
17 $614,411 $611,317 $3,095 $95,604,666 0.6394%
18 $619,411 $611,297 $8,114 $95,596,552 0.6394%
19 $624,411 $611,245 $13,166 $95,583,385 0.6394%
20 $629,411 $611,161 $18,251 $95,565,135 0.6394%
21 $634,411 $611,044 $23,367 $95,541,768 0.6394%
22 $639,411 $610,895 $28,517 $95,513,251 0.6394%
23 $644,411 $610,712 $33,699 $95,479,552 0.6394%
24 $649,411 $610,497 $38,914 $95,440,638 0.6394%
25 $654,411 $610,248 $44,163 $95,396,474 0.6394%
26 $659,411 $609,966 $49,446 $95,347,029 0.6394%
27 $664,411 $609,650 $54,762 $95,292,267 0.6394%
28 $669,411 $609,299 $60,112 $95,232,155 0.6394%
29 $674,411 $608,915 $65,496 $95,166,658 0.6394%
30 $679,411 $608,496 $70,915 $95,095,743 0.6394%
31 $684,411 $608,043 $76,369 $95,019,375 0.6394%
32 $689,411 $607,555 $81,857 $94,937,518 0.6394%
33 $694,411 $607,031 $87,380 $94,850,138 0.6394%
34 $699,411 $606,472 $92,939 $94,757,199 0.6394%
35 $704,411 $605,878 $98,533 $94,658,666 0.6394%
36 $709,411 $605,248 $104,163 $94,554,502 0.6394%
37 $714,411 $604,582 $109,829 $94,444,673 0.6394%
38 $719,411 $603,880 $115,531 $94,329,142 0.6394%
39 $724,411 $603,141 $121,270 $94,207,872 0.6394%
40 $729,411 $602,366 $127,046 $94,080,826 0.6394%
41 $734,411 $601,553 $132,858 $93,947,968 0.6394%
42 $739,411 $600,704 $138,707 $93,809,261 0.6394%
43 $744,411 $599,817 $144,594 $93,664,666 0.6394%
44 $749,411 $598,893 $150,519 $93,514,148 0.6394%
45 $754,411 $597,930 $156,481 $93,357,666 0.6394%
46 $759,411 $596,930 $162,482 $93,195,184 0.6394%
47 $764,411 $595,891 $168,521 $93,026,664 0.6394%
48 $769,411 $594,813 $174,598 $92,852,065 0.6394%
49 $774,411 $593,697 $180,715 $92,671,351 0.6394%
50 $779,411 $592,541 $186,870 $92,484,481 0.6394%
51 $784,411 $591,346 $193,065 $92,291,416 0.6394%
52 $789,411 $590,112 $199,299 $92,092,116 0.6394%
53 $794,411 $588,838 $205,574 $91,886,543 0.6394%
54 $799,411 $587,523 $211,888 $91,674,654 0.6394%
55 $804,411 $586,168 $218,243 $91,456,411 0.6394%
56 $809,411 $584,773 $224,638 $91,231,773 0.6394%
57 $814,411 $583,337 $231,075 $91,000,698 0.6394%
58 $819,411 $581,859 $237,552 $90,763,146 0.6394%
59 $824,411 $580,340 $244,071 $90,519,075 0.6394%
60 $829,411 $578,780 $250,632 $90,268,443 0.6394%
61 $834,411 $577,177 $257,234 $90,011,209 0.6394%
62 $839,411 $575,532 $263,879 $89,747,330 0.6394%
63 $844,411 $573,845 $270,566 $89,476,763 0.6394%
64 $849,411 $572,115 $277,296 $89,199,467 0.6394%
65 $854,411 $570,342 $284,069 $88,915,398 0.6394%
66 $859,411 $568,526 $290,886 $88,624,512 0.6394%
67 $864,411 $566,666 $297,746 $88,326,766 0.6394%
68 $869,411 $564,762 $304,649 $88,022,117 0.6394%
69 $874,411 $562,814 $311,597 $87,710,519 0.6394%
 70 $879,411 $560,822 $318,590 $87,391,930 0.6394%
71 $884,411 $558,785 $325,627 $87,066,303 0.6394%
72 $889,411 $556,703 $332,709 $86,733,594 0.6394%
73 $894,411 $718,304 $176,107 $86,557,487 0.8282%
74 $899,411 $716,846 $182,566 $86,374,921 0.8282%
75 $904,411 $715,334 $189,078 $86,185,843 0.8282%
76 $909,411 $713,768 $195,644 $85,990,199 0.8282%
77 $914,411 $712,147 $202,264 $85,787,935 0.8282%
78 $919,411 $710,472 $208,939 $85,578,996 0.8282%
79 $924,411 $708,742 $215,669 $85,363,327 0.8282%
80 $929,411 $706,956 $222,456 $85,140,871 0.8282%
81 $934,411 $705,113 $229,298 $84,911,573 0.8282%
82 $939,411 $703,215 $236,197 $84,675,376 0.8282%
83 $944,411 $701,258 $243,153 $84,432,223 0.8282%
84 $949,411 $699,245 $250,167 $84,182,056 0.8282%
85 $954,411 $697,173 $257,239 $83,924,818 0.8282%
86 $959,411 $695,042 $264,369 $83,660,449 0.8282%
87 $964,411 $692,853 $271,558 $83,388,891 0.8282%
88 $969,411 $690,604 $278,807 $83,110,083 0.8282%
89 $974,411 $688,295 $286,116 $82,823,967 0.8282%
90 $979,411 $685,926 $293,486 $82,530,481 0.8282%
91 $984,411 $683,495 $300,916 $82,229,565 0.8282%
92 $989,411 $681,003 $308,409 $81,921,156 0.8282%
93 $994,411 $678,449 $315,963 $81,605,193 0.8282%
94 $999,411 $675,832 $323,579 $81,281,614 0.8282%
95 $1,004,411 $673,152 $331,259 $80,950,355 0.8282%
96 $1,009,411 $670,409 $339,003 $80,611,352 0.8282%
97 $1,014,411 $667,601 $346,810 $80,264,542 0.8282%
98 $1,019,411 $664,729 $354,682 $79,909,859 0.8282%
99 $1,024,411 $661,792 $362,620 $79,547,240 0.8282%
100 $1,029,411 $658,789 $370,623 $79,176,617 0.8282%
101 $1,034,411 $655,719 $378,692 $78,797,925 0.8282%
102 $1,039,411 $652,583 $386,828 $78,411,096 0.8282%
103 $1,044,411 $649,379 $395,032 $78,016,064 0.8282%
104 $1,049,411 $646,108 $403,304 $77,612,760 0.8282%
105 $1,054,411 $642,768 $411,644 $77,201,117 0.8282%
106 $1,059,411 $639,359 $420,053 $76,781,064 0.8282%
107 $1,064,411 $635,880 $428,532 $76,352,532 0.8282%
108 $1,069,411 $632,331 $437,081 $75,915,452 0.8282%
109 $1,074,411 $628,711 $445,700 $75,469,752 0.8282%
110 $1,079,411 $625,020 $454,391 $75,015,360 0.8282%
111 $1,084,411 $621,257 $463,155 $74,552,205 0.8282%
112 $1,089,411 $617,421 $471,990 $74,080,215 0.8282%
113 $1,094,411 $613,512 $480,899 $73,599,316 0.8282%
114 $1,099,411 $609,529 $489,882 $73,109,434 0.8282%
115 $1,104,411 $605,472 $498,939 $72,610,495 0.8282%
116 $1,109,411 $601,340 $508,071 $72,102,424 0.8282%
117 $1,114,411 $597,133 $517,279 $71,585,145 0.8282%
118 $1,119,411 $592,849 $526,563 $71,058,582 0.8282%
119 $1,124,411 $588,488 $535,924 $70,522,659 0.8282%
120 $1,129,411 $584,049 $545,362 $69,977,297 0.8282%
121 $1,134,411 $579,533 $554,879 $69,422,418 0.8282%
122 $1,139,411 $574,938 $564,474 $68,857,944 0.8282%
123 $1,144,411 $570,263 $574,149 $68,283,796 0.8282%
124 $1,149,411 $565,508 $583,904 $67,699,892 0.8282%
125 $1,154,411 $560,672 $593,739 $67,106,153 0.8282%
126 $1,159,411 $555,755 $603,657 $66,502,496 0.8282%
127 $1,164,411 $550,756 $613,656 $65,888,840 0.8282%
128 $1,169,411 $545,673 $623,738 $65,265,102 0.8282%
129 $1,174,411 $540,508 $633,904 $64,631,199 0.8282%
130 $1,179,411 $535,258 $644,153 $63,987,045 0.8282%
131 $1,184,411 $529,923 $654,488 $63,332,557 0.8282%
132 $1,189,411 $524,503 $664,908 $62,667,649 0.8282%
133 $1,194,411 $518,996 $675,415 $61,992,234 0.8282%
134 $1,199,411 $513,403 $686,009 $61,306,225 0.8282%
135 $1,204,411 $507,721 $696,690 $60,609,535 0.8282%
136 $1,209,411 $501,952 $707,460 $59,902,075 0.8282%
137 $1,214,411 $496,093 $718,319 $59,183,757 0.8282%
138 $1,219,411 $490,144 $729,268 $58,454,489 0.8282%
139 $1,224,411 $484,104 $740,307 $57,714,182 0.8282%
140 $1,229,411 $477,973 $751,438 $56,962,743 0.8282%
141 $1,234,411 $471,750 $762,661 $56,200,082 0.8282%
142 $1,239,411 $465,434 $773,978 $55,426,104 0.8282%
143 $1,244,411 $459,024 $785,388 $54,640,717 0.8282%
144 $1,249,411 $452,520 $796,892 $53,843,825 0.8282%
145 $1,254,411 $445,920 $808,492 $53,035,333 0.8282%
146 $1,259,411 $439,224 $820,187 $52,215,146 0.8282%
147 $1,264,411 $432,432 $831,980 $51,383,166 0.8282%
148 $1,269,411 $425,541 $843,870 $50,539,296 0.8282%
149 $1,274,411 $418,553 $855,859 $49,683,437 0.8282%
150 $1,279,411 $411,465 $867,947 $48,815,491 0.8282%
151 $1,284,411 $404,277 $880,135 $47,935,356 0.8282%
152 $1,289,411 $396,988 $892,424 $47,042,932 0.8282%
153 $1,294,411 $389,597 $904,815 $46,138,117 0.8282%
154 $1,299,411 $382,103 $917,308 $45,220,809 0.8282%
155 $1,304,411 $374,506 $929,905 $44,290,904 0.8282%
156 $1,309,411 $366,805 $942,606 $43,348,298 0.8282%
157 $1,314,411 $358,999 $955,413 $42,392,885 0.8282%
158 $1,319,411 $351,086 $968,325 $41,424,560 0.8282%
159 $1,324,411 $343,067 $981,344 $40,443,216 0.8282%
160 $1,329,411 $334,940 $994,472 $39,448,744 0.8282%
161 $1,334,411 $326,704 $1,007,708 $38,441,036 0.8282%
162 $1,339,411 $318,358 $1,021,053 $37,419,983 0.8282%
163 $1,344,411 $309,902 $1,034,509 $36,385,474 0.8282%
164 $1,349,411 $301,335 $1,048,077 $35,337,397 0.8282%
165 $1,354,411 $292,655 $1,061,757 $34,275,640 0.8282%
166 $1,359,411 $283,862 $1,075,550 $33,200,091 0.8282%
167 $1,364,411 $274,954 $1,089,457 $32,110,633 0.8282%
168 $1,369,411 $265,932 $1,103,480 $31,007,153 0.8282%
169 $1,374,411 $256,793 $1,117,619 $29,889,535 0.8282%
170 $1,379,411 $247,537 $1,131,874 $28,757,660 0.8282%
171 $1,384,411 $238,163 $1,146,248 $27,611,412 0.8282%
172 $1,389,411 $228,670 $1,160,741 $26,450,671 0.8282%
173 $1,394,411 $219,057 $1,175,354 $25,275,317 0.8282%
174 $1,399,411 $209,323 $1,190,088 $24,085,228 0.8282%
175 $1,404,411 $199,467 $1,204,944 $22,880,284 0.8282%
176 $1,409,411 $189,488 $1,219,923 $21,660,361 0.8282%
177 $1,414,411 $179,385 $1,235,026 $20,425,335 0.8282%
178 $1,419,411 $169,157 $1,250,254 $19,175,081 0.8282%
179 $1,424,411 $158,803 $1,265,609 $17,909,472 0.8282%
180 $1,429,411 $148,321 $1,281,090 $16,628,382 0.8282%
181 $1,434,411 $137,712 $1,296,700 $15,331,682 0.8282%
182 $1,439,411 $126,973 $1,312,439 $14,019,244 0.8282%
183 $1,444,411 $116,104 $1,328,308 $12,690,936 0.8282%
184 $1,449,411 $105,103 $1,344,309 $11,346,627 0.8282%
185 $1,454,411 $93,970 $1,360,442 $9,986,186 0.8282%
186 $1,459,411 $82,703 $1,376,709 $8,609,477 0.8282%
187 $1,464,411 $71,301 $1,393,110 $7,216,367 0.8282%
188 $1,469,411 $59,764 $1,409,647 $5,806,720 0.8282%
189 $1,474,411 $48,090 $1,426,322 $4,380,398 0.8282%
190 $1,479,411 $36,277 $1,443,134 $2,937,264 0.8282%
191 $1,484,411 $24,326 $1,460,086 $1,477,178 0.8282%
192 $1,489,411 $12,234 $1,477,178 $0 0.8282%
 Valor futuro $ 280,000,000
pagada mediante cuotas quincenales crecientes en $5.000
os. Calcular el valor de la primera cuota suponiendo un
eses vencido durante los primeros 3 años y 19% Nominal 5 Plazo 15
guientes 5 años. Cuota ord $ 5,700,382
Periodo ord 8
Número 12
Gradiente -7%
0.6394% Cuota extra
8.597% 0.8282% Gradiente $ 130,000
Tasa 1 4%
Tasa 2 3%
Tasa 3 10%

Periodo Cuota 1
1 0 $5,700,382
2 1
3 2
4 3
5 4
6 5
7 6
8 7
9 8 $5,301,355
10 9
11 10
12 11
13 12
14 13
15 14
16 15
17 16 $4,930,260
18 17
19 18
20 19
21 20
22 21
23 22
24 23
25 24 $4,585,142
26 25
27 26
28 27
29 28
30 29
31 30
32 31
33 32 $4,264,182
34 33
35 34
36 35
37 36
38 37
39 38
40 39
41 40 $3,965,689
42 41
43 42
44 43
45 44
46 45
47 46
48 47
49 48 $3,688,091
50 49
51 50
52 51
53 52
54 53
55 54
56 55
57 56 $3,429,925
58 57
59 58
60 59
61 60
62 61
63 62
64 63
65 64 $3,189,830
66 65
67 66
68 67
 69 68
70 69
71 70
72 71
73 72 $2,966,542
74 73
75 74
76 75
77 76
78 77
79 78
80 79
81 80 $2,758,884
82 81
83 82
84 83
85 84
86 85
87 86
88 87
89 88 $2,565,762
90 89
91 90
92 91
93 92
94 93
95 94
96 95
97 96
98 97
99 98
100 99
101 100
102 101
103 102
104 103
105 104
106 105
107 106
108 107
109 108
110 109
111 110
112 111
113 112
114 113
115 114
116 115
117 116
118 117
119 118
120 119
121 120
122 121
123 122
124 123
125 124
126 125
127 126
128 127
129 128
130 129
131 130
132 131
133 132
134 133
135 134
136 135
137 136
138 137
139 138
140 139
141 140
142 141
143 142
144 143
145 144
146 145
147 146
148 147
149 148
150 149
151 150
152 151
153 152
154 153
155 154
156 155
157 156
158 157
159 158
160 159
161 160
162 161
163 162
164 163
165 164
166 165
167 166
168 167
169 168
170 169
171 170
172 171
173 172
174 173
175 174
176 175
177 176
178 177
179 178
180 179
181 180
 Con el objetivo de reunir $280.000.000 en 15 años, se depositan en un fondo de
ahorro programado 12 cuotas ordinarias cada 8 meses que decrecen en un 7%
cada periodo, comenzando el día de hoy; además se depositan cuotas extras
anuales que crecen en $130.000 cada periodo comenzando al finalizar el año 6 y
terminando al finalizar el año 14, cuya primera cuota corresponde a 3 veces el
años valor de la cuota ordinaria existente en ese periodo. Calcular el valor del primer
deposito ordinario si el fondo ofrece una rentabilidad del 4% semestral durante
meses los primeros 3 años; 3% cuatrimestral durante los siguientes 7 años y 10% EA de
ahí en adelante.

semestral 0.6558%
Cuatrimestral 0.7417%
EA 0.7974%

Cuota 2 Intéres Capitalización Saldo Tasa

$0 $0 $5,700,382 $5,700,382 0.6558%
$37,384 $37,384 $5,737,766 0.6558%
$37,629 $37,629 $5,775,395 0.6558%
$37,876 $37,876 $5,813,271 0.6558%
$38,125 $38,125 $5,851,396 0.6558%
$38,375 $38,375 $5,889,771 0.6558%
$38,626 $38,626 $5,928,397 0.6558%
$38,880 $38,880 $5,967,277 0.6558%
$39,135 $5,340,490 $11,307,766 0.6558%
$74,159 $74,159 $11,381,925 0.6558%
$74,645 $74,645 $11,456,570 0.6558%
$75,134 $75,134 $11,531,704 0.6558%
$75,627 $75,627 $11,607,331 0.6558%
$76,123 $76,123 $11,683,454 0.6558%
$76,622 $76,622 $11,760,077 0.6558%
$77,125 $77,125 $11,837,202 0.6558%
$77,631 $5,007,891 $16,845,092 0.6558%
$110,473 $110,473 $16,955,566 0.6558%
$111,198 $111,198 $17,066,764 0.6558%
$111,927 $111,927 $17,178,691 0.6558%
$112,661 $112,661 $17,291,352 0.6558%
$113,400 $113,400 $17,404,752 0.6558%
$114,144 $114,144 $17,518,896 0.6558%
$114,892 $114,892 $17,633,788 0.6558%
$115,646 $4,700,788 $22,334,576 0.6558%
$146,475 $146,475 $22,481,051 0.6558%
$147,435 $147,435 $22,628,486 0.6558%
$148,402 $148,402 $22,776,888 0.6558%
$149,375 $149,375 $22,926,263 0.6558%
$150,355 $150,355 $23,076,618 0.6558%
$151,341 $151,341 $23,227,959 0.6558%
$152,334 $152,334 $23,380,293 0.6558%
$153,333 $4,417,515 $27,797,807 0.6558%
$182,303 $182,303 $27,980,111 0.6558%
$183,499 $183,499 $28,163,610 0.6558%
$184,703 $184,703 $28,348,312 0.6558%
$185,914 $185,914 $28,534,226 0.6558%
$211,640 $211,640 $28,745,867 0.7417%
$213,210 $213,210 $28,959,077 0.7417%
$214,792 $214,792 $29,173,868 0.7417%
$216,385 $4,182,074 $33,355,942 0.7417%
$247,403 $247,403 $33,603,346 0.7417%
$249,238 $249,238 $33,852,584 0.7417%
$251,087 $251,087 $34,103,671 0.7417%
$252,949 $252,949 $34,356,621 0.7417%
$254,826 $254,826 $34,611,446 0.7417%
$256,716 $256,716 $34,868,162 0.7417%
$258,620 $258,620 $35,126,781 0.7417%
$260,538 $3,948,629 $39,075,410 0.7417%
$289,825 $289,825 $39,365,235 0.7417%
$291,975 $291,975 $39,657,210 0.7417%
$294,140 $294,140 $39,951,350 0.7417%
$296,322 $296,322 $40,247,672 0.7417%
$298,520 $298,520 $40,546,192 0.7417%
$300,734 $300,734 $40,846,926 0.7417%
$302,965 $302,965 $41,149,891 0.7417%
$305,212 $3,735,136 $44,885,027 0.7417%
$332,915 $332,915 $45,217,943 0.7417%
$335,385 $335,385 $45,553,327 0.7417%
$337,872 $337,872 $45,891,200 0.7417%
$340,378 $340,378 $46,231,578 0.7417%
$342,903 $342,903 $46,574,481 0.7417%
$345,446 $345,446 $46,919,927 0.7417%
$348,008 $348,008 $47,267,936 0.7417%
$350,590 $3,540,420 $50,808,355 0.7417%
$376,849 $376,849 $51,185,205 0.7417%
$379,644 $379,644 $51,564,849 0.7417%
$382,460 $382,460 $51,947,309 0.7417%
 $385,297 $385,297 $52,332,606 0.7417%
$388,155 $388,155 $52,720,761 0.7417%
$391,034 $391,034 $53,111,794 0.7417%
$393,934 $393,934 $53,505,728 0.7417%
$8,899,625 $396,856 $12,263,023 $65,768,751 0.7417%
$487,812 $487,812 $66,256,563 0.7417%
$491,430 $491,430 $66,747,993 0.7417%
$495,075 $495,075 $67,243,067 0.7417%
$498,747 $498,747 $67,741,814 0.7417%
$502,446 $502,446 $68,244,260 0.7417%
$506,173 $506,173 $68,750,432 0.7417%
$509,927 $509,927 $69,260,359 0.7417%
$513,709 $3,272,593 $72,532,952 0.7417%
$537,982 $537,982 $73,070,934 0.7417%
$541,972 $541,972 $73,612,907 0.7417%
$545,992 $545,992 $74,158,899 0.7417%
$9,029,625 $550,042 $9,579,667 $83,738,566 0.7417%
$621,095 $621,095 $84,359,661 0.7417%
$625,702 $625,702 $84,985,363 0.7417%
$630,343 $630,343 $85,615,705 0.7417%
$635,018 $3,200,780 $88,816,485 0.7417%
$658,758 $658,758 $89,475,243 0.7417%
$663,644 $663,644 $90,138,888 0.7417%
$668,567 $668,567 $90,807,454 0.7417%
$673,525 $673,525 $91,480,980 0.7417%
$678,521 $678,521 $92,159,501 0.7417%
$683,554 $683,554 $92,843,054 0.7417%
$688,624 $688,624 $93,531,678 0.7417%
$9,159,625 $693,731 $9,853,357 $103,385,034 0.7417%
$766,814 $766,814 $104,151,849 0.7417%
$772,502 $772,502 $104,924,350 0.7417%
$778,231 $778,231 $105,702,582 0.7417%
$784,004 $784,004 $106,486,586 0.7417%
$789,819 $789,819 $107,276,404 0.7417%
$795,677 $795,677 $108,072,081 0.7417%
$801,578 $801,578 $108,873,659 0.7417%
$807,524 $807,524 $109,681,183 0.7417%
$813,513 $813,513 $110,494,696 0.7417%
$819,547 $819,547 $111,314,243 0.7417%
$825,626 $825,626 $112,139,869 0.7417%
$9,289,625 $831,749 $10,121,375 $122,261,244 0.7417%
$906,820 $906,820 $123,168,064 0.7417%
$913,546 $913,546 $124,081,611 0.7417%
 $920,322 $920,322 $125,001,933 0.7417%
$927,148 $927,148 $125,929,081 0.7417%
$934,025 $934,025 $126,863,106 0.7417%
$940,953 $940,953 $127,804,059 0.7417%
$947,932 $947,932 $128,751,991 0.7417%
$954,963 $954,963 $129,706,954 0.7417%
$962,046 $962,046 $130,669,000 0.7417%
$969,181 $969,181 $131,638,181 0.7417%
$976,370 $976,370 $132,614,551 0.7417%
$9,419,625 $983,612 $10,403,237 $143,017,788 0.7417%
$1,140,444 $1,140,444 $144,158,232 0.7974%
$1,149,538 $1,149,538 $145,307,770 0.7974%
$1,158,705 $1,158,705 $146,466,474 0.7974%
$1,167,944 $1,167,944 $147,634,418 0.7974%
$1,177,258 $1,177,258 $148,811,676 0.7974%
$1,186,645 $1,186,645 $149,998,321 0.7974%
$1,196,108 $1,196,108 $151,194,429 0.7974%
$1,205,646 $1,205,646 $152,400,075 0.7974%
$1,215,260 $1,215,260 $153,615,334 0.7974%
$1,224,950 $1,224,950 $154,840,284 0.7974%
$1,234,718 $1,234,718 $156,075,003 0.7974%
$9,549,625 $1,244,564 $10,794,189 $166,869,192 0.7974%
$1,330,638 $1,330,638 $168,199,830 0.7974%
$1,341,249 $1,341,249 $169,541,079 0.7974%
$1,351,944 $1,351,944 $170,893,024 0.7974%
$1,362,725 $1,362,725 $172,255,749 0.7974%
$1,373,592 $1,373,592 $173,629,340 0.7974%
$1,384,545 $1,384,545 $175,013,885 0.7974%
$1,395,585 $1,395,585 $176,409,470 0.7974%
$1,406,714 $1,406,714 $177,816,184 0.7974%
$1,417,931 $1,417,931 $179,234,115 0.7974%
$1,429,238 $1,429,238 $180,663,353 0.7974%
$1,440,635 $1,440,635 $182,103,988 0.7974%
$9,679,625 $1,452,123 $11,131,748 $193,235,737 0.7974%
$1,540,889 $1,540,889 $194,776,625 0.7974%
$1,553,176 $1,553,176 $196,329,802 0.7974%
$1,565,561 $1,565,561 $197,895,363 0.7974%
$1,578,045 $1,578,045 $199,473,408 0.7974%
$1,590,629 $1,590,629 $201,064,037 0.7974%
$1,603,313 $1,603,313 $202,667,350 0.7974%
$1,616,098 $1,616,098 $204,283,448 0.7974%
$1,628,985 $1,628,985 $205,912,433 0.7974%
$1,641,975 $1,641,975 $207,554,408 0.7974%
 $1,655,068 $1,655,068 $209,209,476 0.7974%
$1,668,266 $1,668,266 $210,877,741 0.7974%
$9,809,625 $1,681,569 $11,491,194 $222,368,936 0.7974%
$1,773,201 $1,773,201 $224,142,137 0.7974%
$1,787,341 $1,787,341 $225,929,478 0.7974%
$1,801,593 $1,801,593 $227,731,071 0.7974%
$1,815,960 $1,815,960 $229,547,030 0.7974%
$1,830,440 $1,830,440 $231,377,471 0.7974%
$1,845,036 $1,845,036 $233,222,507 0.7974%
$1,859,749 $1,859,749 $235,082,256 0.7974%
$1,874,579 $1,874,579 $236,956,835 0.7974%
$1,889,527 $1,889,527 $238,846,362 0.7974%
$1,904,594 $1,904,594 $240,750,957 0.7974%
$1,919,782 $1,919,782 $242,670,739 0.7974%
$9,939,625 $1,935,091 $11,874,716 $254,545,455 0.7974%
$2,029,781 $2,029,781 $256,575,236 0.7974%
$2,045,967 $2,045,967 $258,621,203 0.7974%
$2,062,282 $2,062,282 $260,683,484 0.7974%
$2,078,727 $2,078,727 $262,762,211 0.7974%
$2,095,303 $2,095,303 $264,857,514 0.7974%
$2,112,011 $2,112,011 $266,969,525 0.7974%
$2,128,852 $2,128,852 $269,098,377 0.7974%
$2,145,828 $2,145,828 $271,244,206 0.7974%
$2,162,939 $2,162,939 $273,407,145 0.7974%
$2,180,187 $2,180,187 $275,587,332 0.7974%
$2,197,572 $2,197,572 $277,784,904 0.7974%
$2,215,096 $2,215,096 $280,000,000 0.7974%
 os, se depositan en un fondo de
meses que decrecen en un 7% Un crédito de vivienda por valor de $
ás se depositan cuotas extras 2% mensual, con un plazo de 15 año
omenzando al finalizar el año 6 y VP $ 70,000,000 con la condición de que estas aumen
cuota corresponde a 3 veces el cuotas del primer año y el saldo una
odo. Calcular el valor del primer tasa 2%
ilidad del 4% semestral durante Plazo 180
os siguientes 7 años y 10% EA de Gradiente 5.40%
cuota $ 1,192,471

Peri Cuota Int Amrt

0
1 $1,192,471 $1,400,000 -$207,529
2 $1,192,471 $1,404,151 -$211,679
3 $1,192,471 $1,408,384 -$215,913
4 $1,192,471 $1,412,702 -$220,231
5 $1,192,471 $1,417,107 -$224,636
6 $1,192,471 $1,421,600 -$229,129
7 $1,192,471 $1,426,182 -$233,711
8 $1,192,471 $1,430,857 -$238,385
9 $1,192,471 $1,435,624 -$243,153
10 $1,192,471 $1,440,487 -$248,016
11 $1,192,471 $1,445,448 -$252,977
12 $1,192,471 $1,450,507 -$258,036
13 $1,256,865 $1,455,668 -$198,803
14 $1,256,865 $1,459,644 -$202,779
15 $1,256,865 $1,463,700 -$206,835
16 $1,256,865 $1,467,836 -$210,972
17 $1,256,865 $1,472,056 -$215,191
18 $1,256,865 $1,476,360 -$219,495
19 $1,256,865 $1,480,749 -$223,885
20 $1,256,865 $1,485,227 -$228,363
21 $1,256,865 $1,489,794 -$232,930
22 $1,256,865 $1,494,453 -$237,588
23 $1,256,865 $1,499,205 -$242,340
24 $1,256,865 $1,504,052 -$247,187
25 $1,324,735 $1,508,995 -$184,260
26 $1,324,735 $1,512,680 -$187,945
27 $1,324,735 $1,516,439 -$191,704
28 $1,324,735 $1,520,273 -$195,538
29 $1,324,735 $1,524,184 -$199,449
30 $1,324,735 $1,528,173 -$203,438
31 $1,324,735 $1,532,242 -$207,507
32 $1,324,735 $1,536,392 -$211,657
33 $1,324,735 $1,540,625 -$215,890
34 $1,324,735 $1,544,943 -$220,208
35 $1,324,735 $1,549,347 -$224,612
36 $1,324,735 $1,553,839 -$229,104
37 $1,396,271 $1,558,422 -$162,151
38 $1,396,271 $1,561,665 -$165,394
39 $1,396,271 $1,564,972 -$168,701
40 $1,396,271 $1,568,346 -$172,076
41 $1,396,271 $1,571,788 -$175,517
42 $1,396,271 $1,575,298 -$179,027
43 $1,396,271 $1,578,879 -$182,608
44 $1,396,271 $1,582,531 -$186,260
45 $1,396,271 $1,586,256 -$189,985
46 $1,396,271 $1,590,056 -$193,785
47 $1,396,271 $1,593,932 -$197,661
48 $1,396,271 $1,597,885 -$201,614
49 $1,471,670 $1,601,917 -$130,248
50 $1,471,670 $1,604,522 -$132,853
51 $1,471,670 $1,607,179 -$135,510
52 $1,471,670 $1,609,889 -$138,220
53 $1,471,670 $1,612,654 -$140,984
54 $1,471,670 $1,615,473 -$143,804
55 $1,471,670 $1,618,349 -$146,680
56 $1,471,670 $1,621,283 -$149,614
57 $1,471,670 $1,624,275 -$152,606
58 $1,471,670 $1,627,327 -$155,658
59 $1,471,670 $1,630,441 -$158,771
60 $1,471,670 $1,633,616 -$161,946
61 $1,551,140 $1,636,855 -$85,715
62 $1,551,140 $1,638,569 -$87,430
63 $1,551,140 $1,640,318 -$89,178
64 $1,551,140 $1,642,101 -$90,962
65 $1,551,140 $1,643,921 -$92,781
66 $1,551,140 $1,645,776 -$94,637
67 $1,551,140 $1,647,669 -$96,529
68 $1,551,140 $1,649,600 -$98,460
69 $1,551,140 $1,651,569 -$100,429
70 $1,551,140 $1,653,577 -$102,438
71 $1,551,140 $1,655,626 -$104,486
72 $1,551,140 $1,657,716 -$106,576
73 $1,634,901 $1,659,847 -$24,946
 74 $1,634,901 $1,660,346 -$25,445
75 $1,634,901 $1,660,855 -$25,954
76 $1,634,901 $1,661,374 -$26,473
77 $1,634,901 $1,661,904 -$27,002
78 $1,634,901 $1,662,444 -$27,543
79 $1,634,901 $1,662,995 -$28,093
80 $1,634,901 $1,663,556 -$28,655
81 $1,634,901 $1,664,130 -$29,228
82 $1,634,901 $1,664,714 -$29,813
83 $1,634,901 $1,665,310 -$30,409
84 $1,634,901 $1,665,919 -$31,017
85 $1,723,186 $1,666,539 $56,647
86 $1,723,186 $1,665,406 $57,780
87 $1,723,186 $1,664,250 $58,936
88 $1,723,186 $1,663,072 $60,114
89 $1,723,186 $1,661,869 $61,317
90 $1,723,186 $1,660,643 $62,543
91 $1,723,186 $1,659,392 $63,794
92 $1,723,186 $1,658,116 $65,070
93 $1,723,186 $1,656,815 $66,371
94 $1,723,186 $1,655,488 $67,698
95 $1,723,186 $1,654,134 $69,052
96 $1,723,186 $1,652,753 $70,433
97 $1,816,238 $1,651,344 $164,894
98 $1,816,238 $1,648,046 $168,192
99 $1,816,238 $1,644,682 $171,556
100 $1,816,238 $1,641,251 $174,987
101 $1,816,238 $1,637,751 $178,487
102 $1,816,238 $1,634,182 $182,056
103 $1,816,238 $1,630,540 $185,698
104 $1,816,238 $1,626,826 $189,411
105 $1,816,238 $1,623,038 $193,200
106 $1,816,238 $1,619,174 $197,064
107 $1,816,238 $1,615,233 $201,005
108 $1,816,238 $1,611,213 $205,025
109 $1,914,315 $1,607,112 $307,202
110 $1,914,315 $1,600,968 $313,346
111 $1,914,315 $1,594,701 $319,613
112 $1,914,315 $1,588,309 $326,006
113 $1,914,315 $1,581,789 $332,526
114 $1,914,315 $1,575,139 $339,176
115 $1,914,315 $1,568,355 $345,960
116 $1,914,315 $1,561,436 $352,879
117 $1,914,315 $1,554,378 $359,937
118 $1,914,315 $1,547,179 $367,135
119 $1,914,315 $1,539,837 $374,478
120 $1,914,315 $1,532,347 $381,968
121 $2,017,688 $1,524,708 $492,980
122 $2,017,688 $1,514,848 $502,840
123 $2,017,688 $1,504,791 $512,896
124 $2,017,688 $1,494,534 $523,154
125 $2,017,688 $1,484,070 $533,617
126 $2,017,688 $1,473,398 $544,290
127 $2,017,688 $1,462,512 $555,176
128 $2,017,688 $1,451,409 $566,279
129 $2,017,688 $1,440,083 $577,605
130 $2,017,688 $1,428,531 $589,157
131 $2,017,688 $1,416,748 $600,940
132 $2,017,688 $1,404,729 $612,959
133 $2,126,643 $1,392,470 $734,173
134 $2,126,643 $1,377,787 $748,856
135 $2,126,643 $1,362,809 $763,834
136 $2,126,643 $1,347,533 $779,110
137 $2,126,643 $1,331,951 $794,692
138 $2,126,643 $1,316,057 $810,586
139 $2,126,643 $1,299,845 $826,798
140 $2,126,643 $1,283,309 $843,334
141 $2,126,643 $1,266,442 $860,201
142 $2,126,643 $1,249,238 $877,405
143 $2,126,643 $1,231,690 $894,953
144 $2,126,643 $1,213,791 $912,852
145 $2,241,482 $1,195,534 $1,045,948
146 $2,241,482 $1,174,615 $1,066,867
147 $2,241,482 $1,153,278 $1,088,204
148 $2,241,482 $1,131,514 $1,109,968
149 $2,241,482 $1,109,314 $1,132,167
150 $2,241,482 $1,086,671 $1,154,811
151 $2,241,482 $1,063,575 $1,177,907
152 $2,241,482 $1,040,017 $1,201,465
153 $2,241,482 $1,015,987 $1,225,494
154 $2,241,482 $991,478 $1,250,004
155 $2,241,482 $966,477 $1,275,004
156 $2,241,482 $940,977 $1,300,504
157 $2,362,522 $914,967 $1,447,554
158 $2,362,522 $886,016 $1,476,506
159 $2,362,522 $856,486 $1,506,036
160 $2,362,522 $826,365 $1,536,156
161 $2,362,522 $795,642 $1,566,879
162 $2,362,522 $764,305 $1,598,217
163 $2,362,522 $732,340 $1,630,181
164 $2,362,522 $699,737 $1,662,785
165 $2,362,522 $666,481 $1,696,041
166 $2,362,522 $632,560 $1,729,962
167 $2,362,522 $597,961 $1,764,561
168 $2,362,522 $562,670 $1,799,852
169 $2,490,098 $526,673 $1,963,425
170 $2,490,098 $487,404 $2,002,694
171 $2,490,098 $447,350 $2,042,748
172 $2,490,098 $406,495 $2,083,603
173 $2,490,098 $364,823 $2,125,275
174 $2,490,098 $322,318 $2,167,780
175 $2,490,098 $278,962 $2,211,136
176 $2,490,098 $234,740 $2,255,358
177 $2,490,098 $189,632 $2,300,466
178 $2,490,098 $143,623 $2,346,475
179 $2,490,098 $96,694 $2,393,404
180 $2,490,098 $48,825 $2,441,272
rédito de vivienda por valor de $70.000.000 se esta financiando a una tasa del
mensual, con un plazo de 15 años por medio de cuotas mensuales iguales, pero
a condición de que estas aumenten en 5,40% cada año. Calcular el valor de las
as del primer año y el saldo una vez pagada la cuota No. 94.

Saldo
$70,000,000
$70,207,529
$70,419,208
$70,635,121
$70,855,353
$71,079,989
$71,309,117
$71,542,829
$71,781,214
$72,024,367
$72,272,383
$72,525,360
$72,783,396
$72,982,200
$73,184,979
$73,391,814
$73,602,786
$73,817,977
$74,037,472
$74,261,357
$74,489,719
$74,722,649
$74,960,238
$75,202,578
$75,449,765
$75,634,025
$75,821,970
$76,013,674
$76,209,213
$76,408,662
$76,612,100
$76,819,606
$77,031,263
$77,247,153
$77,467,361
$77,691,973
$77,921,077
$78,083,228
$78,248,622
$78,417,323
$78,589,399
$78,764,916
$78,943,943
$79,126,551
$79,312,811
$79,502,796
$79,696,581
$79,894,242
$80,095,856
$80,226,104
$80,358,956
$80,494,466
$80,632,685
$80,773,670
$80,917,473
$81,064,153
$81,213,767
$81,366,373
$81,522,030
$81,680,801
$81,842,748
$81,928,463
$82,015,893
$82,105,071
$82,196,033
$82,288,813
$82,383,450
$82,479,979
$82,578,439
$82,678,868
$82,781,306
$82,885,792
$82,992,368
$83,017,315
$83,042,760
$83,068,713
$83,095,186
$83,122,189
$83,149,731
$83,177,825
$83,206,480
$83,235,708
$83,265,521
$83,295,930
$83,326,948
$83,270,301
$83,212,521
$83,153,585
$83,093,471
$83,032,155
$82,969,612
$82,905,818
$82,840,749
$82,774,378
$82,706,679
$82,637,627
$82,567,193
$82,402,299
$82,234,107
$82,062,552
$81,887,565
$81,709,078
$81,527,021
$81,341,324
$81,151,912
$80,958,713
$80,761,649
$80,560,644
$80,355,619
$80,048,416
$79,735,070
$79,415,457
$79,089,451
$78,756,925
$78,417,749
$78,071,789
$77,718,910
$77,358,973
$76,991,838
$76,617,360
$76,235,392
$75,742,412
$75,239,573
$74,726,676
$74,203,522
$73,669,905
$73,125,615
$72,570,439
$72,004,160
$71,426,556
$70,837,399
$70,236,459
$69,623,500
$68,889,327
$68,140,471
$67,376,637
$66,597,527
$65,802,835
$64,992,249
$64,165,451
$63,322,117
$62,461,916
$61,584,511
$60,689,559
$59,776,707
$58,730,759
$57,663,893
$56,575,689
$55,465,721
$54,333,554
$53,178,743
$52,000,836
$50,799,371
$49,573,877
$48,323,873
$47,048,869
$45,748,364
$44,300,810
$42,824,304
$41,318,269
$39,782,112
$38,215,233
$36,617,016
$34,986,835
$33,324,050
$31,628,009
$29,898,047
$28,133,487
$26,333,635
$24,370,209
$22,367,516
$20,324,768
$18,241,166
$16,115,891
$13,948,111
$11,736,975
$9,481,617
$7,181,152
$4,834,677
$2,441,272
$0