Saldo 150000

Tasa de descu 20% anual

Tasa de descu 3.33% bimestral
Período 5 bimestres

x x x x x
0 1 2 3 4 5

150000 = x/(r%*1)+x/(r%*2)+x/(r%*3)+x/(r%*4)+x/(r%*5)
x = 2189.781022
 Préstamo 100000
tas
a. Pago 10843.8
Período 10 meses

Valor actual 108438

Interés a paga 8438

b. Pago 20970.88
Período 5 bimestres

Valor actual 104854.4

Interés a paga 4854.4

c. Pago 26525.06
Período 4 trimestres

Valor actual 106100.24

Interés a paga 6100.24

d.
Pago 120000
Período 1 año

Valor actual 120000

Interés a paga 20000

CONVIENE LA ALTERNATIVA B por el bajo interés a pagar

a) P= 600000
n= 300
TEA= 30%
TEM= 2.21%
PAGO= $13,281.49

PERIODO PAGO INTERES AMORTIZACION SALDO

0 600000
1 13281.49 13262.67 18.82 599981.18
2 13281.49 13262.25 19.24 599961.94
3 13281.49 13261.83 19.66 599942.28
4 13281.49 13261.39 20.10 599922.18
5 13281.49 13260.95 20.54 599901.64
6 13281.49 13260.50 21.00 599880.64
7 13281.49 13260.03 21.46 599859.18
8 13281.49 13259.56 21.93 599837.25
9 13281.49 13259.07 22.42 599814.83
10 13281.49 13258.58 22.92 599791.91
11 13281.49 13258.07 23.42 599768.49
12 13281.49 13257.55 23.94 599744.55
13 13281.49 13257.02 24.47 599720.08
14 13281.49 13256.48 25.01 599695.07
15 13281.49 13255.93 25.56 599669.51
16 13281.49 13255.37 26.13 599643.38
17 13281.49 13254.79 26.70 599616.68
18 13281.49 13254.20 27.29 599589.38
19 13281.49 13253.59 27.90 599561.49
20 13281.49 13252.98 28.52 599532.97
21 13281.49 13252.35 29.15 599503.83
22 13281.49 13251.70 29.79 599474.04
23 13281.49 13251.04 30.45 599443.59
24 13281.49 13250.37 31.12 599412.47
25 13281.49 13249.68 31.81 599380.66
26 13281.49 13248.98 32.51 599348.15
27 13281.49 13248.26 33.23 599314.91
28 13281.49 13247.53 33.97 599280.95
29 13281.49 13246.78 34.72 599246.23
30 13281.49 13246.01 35.48 599210.75
31 13281.49 13245.22 36.27 599174.48
32 13281.49 13244.42 37.07 599137.41
33 13281.49 13243.60 37.89 599099.52
34 13281.49 13242.77 38.73 599060.80
35 13281.49 13241.91 39.58 599021.21
36 13281.49 13241.03 40.46 598980.76
37 13281.49 13240.14 41.35 598939.41
38 13281.49 13239.23 42.27 598897.14
39 13281.49 13238.29 43.20 598853.94
40 13281.49 13237.34 44.15 598809.79
41 13281.49 13236.36 45.13 598764.65
42 13281.49 13235.36 46.13 598718.53
43 13281.49 13234.34 47.15 598671.38
44 13281.49 13233.30 48.19 598623.19
45 13281.49 13232.24 49.26 598573.93
46 13281.49 13231.15 50.34 598523.59
47 13281.49 13230.04 51.46 598472.13
48 13281.49 13228.90 52.59 598419.54
49 13281.49 13227.74 53.76 598365.78
50 13281.49 13226.55 54.95 598310.83
51 13281.49 13225.33 56.16 598254.67
52 13281.49 13224.09 57.40 598197.27
53 13281.49 13222.82 58.67 598138.60
54 13281.49 13221.53 59.97 598078.63
55 13281.49 13220.20 61.29 598017.34
56 13281.49 13218.84 62.65 597954.69
57 13281.49 13217.46 64.03 597890.66
58 13281.49 13216.04 65.45 597825.21
59 13281.49 13214.60 66.89 597758.32
60 13281.49 13213.12 68.37 597689.95
61 13281.49 13211.61 69.88 597620.06
62 13281.49 13210.06 71.43 597548.63
63 13281.49 13208.48 73.01 597475.63
64 13281.49 13206.87 74.62 597401.00
65 13281.49 13205.22 76.27 597324.73
66 13281.49 13203.54 77.96 597246.77
67 13281.49 13201.81 79.68 597167.09
68 13281.49 13200.05 81.44 597085.65
69 13281.49 13198.25 83.24 597002.41
70 13281.49 13196.41 85.08 596917.33
71 13281.49 13194.53 86.96 596830.37
72 13281.49 13192.61 88.88 596741.48
73 13281.49 13190.64 90.85 596650.63
 74 13281.49 13188.63 92.86 596557.77
75 13281.49 13186.58 94.91 596462.86
76 13281.49 13184.48 97.01 596365.86
77 13281.49 13182.34 99.15 596266.70
78 13281.49 13180.15 101.34 596165.36
79 13281.49 13177.91 103.58 596061.77
80 13281.49 13175.62 105.87 595955.90
81 13281.49 13173.28 108.21 595847.68
82 13281.49 13170.89 110.61 595737.08
83 13281.49 13168.44 113.05 595624.03
84 13281.49 13165.94 115.55 595508.48
85 13281.49 13163.39 118.10 595390.37
86 13281.49 13160.78 120.72 595269.66
87 13281.49 13158.11 123.38 595146.27
88 13281.49 13155.38 126.11 595020.16
89 13281.49 13152.59 128.90 594891.26
90 13281.49 13149.74 131.75 594759.52
91 13281.49 13146.83 134.66 594624.86
92 13281.49 13143.86 137.64 594487.22
93 13281.49 13140.81 140.68 594346.54
94 13281.49 13137.70 143.79 594202.75
95 13281.49 13134.53 146.97 594055.79
96 13281.49 13131.28 150.22 593905.57
97 13281.49 13127.96 153.54 593752.03
98 13281.49 13124.56 156.93 593595.10
99 13281.49 13121.09 160.40 593434.71
100 13281.49 13117.55 163.94 593270.76
101 13281.49 13113.92 167.57 593103.19
102 13281.49 13110.22 171.27 592931.92
103 13281.49 13106.43 175.06 592756.86
104 13281.49 13102.56 178.93 592577.94
105 13281.49 13098.61 182.88 592395.05
106 13281.49 13094.57 186.93 592208.13
107 13281.49 13090.44 191.06 592017.07
108 13281.49 13086.21 195.28 591821.79
109 13281.49 13081.90 199.60 591622.20
110 13281.49 13077.48 204.01 591418.19
111 13281.49 13072.97 208.52 591209.67
112 13281.49 13068.36 213.13 590996.54
113 13281.49 13063.65 217.84 590778.70
114 13281.49 13058.84 222.65 590556.05
115 13281.49 13053.92 227.58 590328.47
116 13281.49 13048.89 232.61 590095.87
117 13281.49 13043.74 237.75 589858.12
118 13281.49 13038.49 243.00 589615.12
119 13281.49 13033.12 248.37 589366.74
120 13281.49 13027.63 253.86 589112.88
121 13281.49 13022.02 259.48 588853.40
122 13281.49 13016.28 265.21 588588.19
123 13281.49 13010.42 271.07 588317.12
124 13281.49 13004.43 277.07 588040.05
125 13281.49 12998.30 283.19 587756.86
126 13281.49 12992.04 289.45 587467.41
127 13281.49 12985.64 295.85 587171.57
128 13281.49 12979.10 302.39 586869.18
129 13281.49 12972.42 309.07 586560.11
130 13281.49 12965.59 315.90 586244.20
131 13281.49 12958.61 322.89 585921.32
132 13281.49 12951.47 330.02 585591.30
133 13281.49 12944.17 337.32 585253.98
134 13281.49 12936.72 344.77 584909.20
135 13281.49 12929.10 352.40 584556.81
136 13281.49 12921.31 360.19 584196.62
137 13281.49 12913.35 368.15 583828.47
138 13281.49 12905.21 376.28 583452.19
139 13281.49 12896.89 384.60 583067.59
140 13281.49 12888.39 393.10 582674.48
141 13281.49 12879.70 401.79 582272.69
142 13281.49 12870.82 410.67 581862.02
143 13281.49 12861.74 419.75 581442.27
144 13281.49 12852.46 429.03 581013.23
145 13281.49 12842.98 438.51 580574.72
146 13281.49 12833.29 448.21 580126.51
147 13281.49 12823.38 458.11 579668.40
148 13281.49 12813.25 468.24 579200.16
149 13281.49 12802.90 478.59 578721.57
150 13281.49 12792.32 489.17 578232.40
151 13281.49 12781.51 499.98 577732.41
152 13281.49 12770.46 511.03 577221.38
153 13281.49 12759.16 522.33 576699.05
154 13281.49 12747.62 533.88 576165.17
155 13281.49 12735.81 545.68 575619.50
156 13281.49 12723.75 557.74 575061.76
157 13281.49 12711.42 570.07 574491.69
158 13281.49 12698.82 582.67 573909.02
159 13281.49 12685.94 595.55 573313.47
160 13281.49 12672.78 608.71 572704.76
161 13281.49 12659.32 622.17 572082.59
162 13281.49 12645.57 635.92 571446.67
163 13281.49 12631.51 649.98 570796.69
164 13281.49 12617.15 664.35 570132.35
165 13281.49 12602.46 679.03 569453.32
166 13281.49 12587.45 694.04 568759.28
167 13281.49 12572.11 709.38 568049.89
168 13281.49 12556.43 725.06 567324.83
169 13281.49 12540.40 741.09 566583.74
170 13281.49 12524.02 757.47 565826.27
171 13281.49 12507.28 774.21 565052.06
172 13281.49 12490.17 791.33 564260.73
173 13281.49 12472.67 808.82 563451.92
174 13281.49 12454.80 826.70 562625.22
175 13281.49 12436.52 844.97 561780.25
176 13281.49 12417.84 863.65 560916.60
177 13281.49 12398.75 882.74 560033.86
178 13281.49 12379.24 902.25 559131.61
179 13281.49 12359.30 922.20 558209.41
180 13281.49 12338.91 942.58 557266.83
181 13281.49 12318.08 963.42 556303.42
182 13281.49 12296.78 984.71 555318.71
183 13281.49 12275.01 1006.48 554312.23
184 13281.49 12252.77 1028.72 553283.51
185 13281.49 12230.03 1051.46 552232.04
186 13281.49 12206.79 1074.71 551157.34
187 13281.49 12183.03 1098.46 550058.87
188 13281.49 12158.75 1122.74 548936.13
189 13281.49 12133.93 1147.56 547788.57
190 13281.49 12108.57 1172.93 546615.64
191 13281.49 12082.64 1198.85 545416.79
192 13281.49 12056.14 1225.35 544191.43
193 13281.49 12029.05 1252.44 542939.00
194 13281.49 12001.37 1280.12 541658.87
195 13281.49 11973.07 1308.42 540350.45
196 13281.49 11944.15 1337.34 539013.11
197 13281.49 11914.59 1366.90 537646.20
198 13281.49 11884.37 1397.12 536249.09
199 13281.49 11853.49 1428.00 534821.09
200 13281.49 11821.93 1459.57 533361.52
201 13281.49 11789.66 1491.83 531869.69
202 13281.49 11756.69 1524.80 530344.89
203 13281.49 11722.98 1558.51 528786.38
204 13281.49 11688.53 1592.96 527193.42
205 13281.49 11653.32 1628.17 525565.24
206 13281.49 11617.33 1664.16 523901.08
207 13281.49 11580.55 1700.95 522200.14
208 13281.49 11542.95 1738.55 520461.59
209 13281.49 11504.52 1776.97 518684.62
210 13281.49 11465.24 1816.25 516868.36
211 13281.49 11425.09 1856.40 515011.96
212 13281.49 11384.06 1897.44 513114.53
213 13281.49 11342.11 1939.38 511175.15
214 13281.49 11299.25 1982.25 509192.90
215 13281.49 11255.43 2026.06 507166.84
216 13281.49 11210.64 2070.85 505095.99
217 13281.49 11164.87 2116.62 502979.37
218 13281.49 11118.08 2163.41 500815.96
219 13281.49 11070.26 2211.23 498604.73
220 13281.49 11021.38 2260.11 496344.62
221 13281.49 10971.43 2310.07 494034.55
222 13281.49 10920.36 2361.13 491673.42
223 13281.49 10868.17 2413.32 489260.10
224 13281.49 10814.83 2466.67 486793.44
225 13281.49 10760.30 2521.19 484272.24
226 13281.49 10704.57 2576.92 481695.32
227 13281.49 10647.61 2633.88 479061.44
228 13281.49 10589.39 2692.10 476369.34
229 13281.49 10529.88 2751.61 473617.73
230 13281.49 10469.06 2812.43 470805.30
231 13281.49 10406.89 2874.60 467930.70
232 13281.49 10343.35 2938.14 464992.56
233 13281.49 10278.40 3003.09 461989.47
234 13281.49 10212.02 3069.47 458920.00
235 13281.49 10144.17 3137.32 455782.68
236 13281.49 10074.83 3206.67 452576.02
237 13281.49 10003.94 3277.55 449298.47
238 13281.49 9931.50 3350.00 445948.47
239 13281.49 9857.45 3424.05 442524.43
240 13281.49 9781.76 3499.73 439024.69
241 13281.49 9704.40 3577.09 435447.60
242 13281.49 9625.33 3656.16 431791.44
243 13281.49 9544.51 3736.98 428054.46
244 13281.49 9461.91 3819.58 424234.87
245 13281.49 9377.48 3904.01 420330.86
246 13281.49 9291.18 3990.31 416340.55
247 13281.49 9202.98 4078.51 412262.04
248 13281.49 9112.83 4168.67 408093.37
249 13281.49 9020.68 4260.81 403832.56
250 13281.49 8926.50 4355.00 399477.56
251 13281.49 8830.23 4451.26 395026.30
252 13281.49 8731.84 4549.65 390476.65
253 13281.49 8631.27 4650.22 385826.43
254 13281.49 8528.48 4753.01 381073.42
255 13281.49 8423.42 4858.07 376215.35
256 13281.49 8316.03 4965.46 371249.89
257 13281.49 8206.27 5075.22 366174.67
258 13281.49 8094.09 5187.40 360987.27
259 13281.49 7979.43 5302.07 355685.20
260 13281.49 7862.23 5419.27 350265.93
261 13281.49 7742.44 5539.06 344726.88
262 13281.49 7620.00 5661.49 339065.38
263 13281.49 7494.85 5786.64 333278.75
264 13281.49 7366.94 5914.55 327364.20
265 13281.49 7236.21 6045.29 321318.91
266 13281.49 7102.58 6178.91 315140.00
267 13281.49 6966.00 6315.50 308824.50
268 13281.49 6826.40 6455.10 302369.40
269 13281.49 6683.71 6597.78 295771.62
270 13281.49 6537.87 6743.62 289028.00
271 13281.49 6388.81 6892.69 282135.31
272 13281.49 6236.45 7045.05 275090.27
273 13281.49 6080.72 7200.77 267889.49
274 13281.49 5921.55 7359.94 260529.55
275 13281.49 5758.86 7522.63 253006.92
276 13281.49 5592.58 7688.91 245318.01
277 13281.49 5422.62 7858.87 237459.13
278 13281.49 5248.90 8032.59 229426.55
279 13281.49 5071.35 8210.14 221216.40
280 13281.49 4889.87 8391.63 212824.78
281 13281.49 4704.37 8577.12 204247.66
282 13281.49 4514.78 8766.71 195480.95
283 13281.49 4321.00 8960.49 186520.46
284 13281.49 4122.93 9158.56 177361.90
285 13281.49 3920.49 9361.00 168000.89
286 13281.49 3713.57 9567.92 158432.97
287 13281.49 3502.07 9779.42 148653.55
288 13281.49 3285.90 9995.59 138657.96
289 13281.49 3064.96 10216.53 128441.43
290 13281.49 2839.13 10442.37 117999.06
291 13281.49 2608.30 10673.19 107325.87
292 13281.49 2372.38 10909.11 96416.76
293 13281.49 2131.24 11150.25 85266.51
294 13281.49 1884.77 11396.72 73869.78
295 13281.49 1632.85 11648.64 62221.14
296 13281.49 1375.36 11906.13 50315.02
297 13281.49 1112.19 12169.31 38145.71
298 13281.49 843.19 12438.30 25707.41
299 13281.49 568.25 12713.24 12994.16
300 13281.49 287.23 12994.26 -0.10
b) P= 600000

TEA= 30%
TEM= 2.21%
PAGO= $14,281.49

n= 120.763
Casi 121
meses
Valor futuro 20000
Vencimiento 19.5 semestres
Tasa 4.25% semestral

Valor actual 8882.735995

2
Utilidad neta 8000000

n= 20
TES= 10%
TEA= 21.00%

Interés= 8% anual

8000000 = P*0.21+(P-800000)*(0.08)/((1+0.08)^20)-1)
8000000 = P*0.21+(P-800000)*(0.08)/((1+0.08)^20)-1)

17481.76706
8017481.767 = P* 0.23185

34580139.68 =P
Tasa 10%
tasa de mora 20%

250000 hoy 80000

20 July 20 August 20 October

MORA 30

t1 150 t2 120

341414.8649
x

20 December

t3 60