1. Usted decide solicitar un financiamiento con Jestereo, a una tasa del 2.

5% mensual, el
crédito es por 18 meses por un televisor para el mundial que le cuesta L 18,000.00.
Determine la cuota a pagar y el cuadro de amortización.

Tasa 2.5% Mensual

Capital L18,000.00
Tiempo 18 Meses
CUOTA L1,254.06

Monto total a pagar L22,573.11

Diferencia L4,573.11
# de cuotas Cuotas Interes Abono Monto
L18,000.00
1 L1,254.06 L450.00 L804.06 L17,195.94
2 L1,254.06 L429.90 L824.16 L16,371.78
3 L1,254.06 L409.29 L844.77 L15,527.01
4 L1,254.06 L388.18 L865.89 L14,661.12
5 L1,254.06 L366.53 L887.53 L13,773.59
6 L1,254.06 L344.34 L909.72 L12,863.87
7 L1,254.06 L321.60 L932.46 L11,931.40
8 L1,254.06 L298.29 L955.78 L10,975.63
9 L1,254.06 L274.39 L979.67 L9,995.96
10 L1,254.06 L249.90 L1,004.16 L8,991.79
11 L1,254.06 L224.79 L1,029.27 L7,962.53
12 L1,254.06 L199.06 L1,055.00 L6,907.53
13 L1,254.06 L172.69 L1,081.37 L5,826.15
14 L1,254.06 L145.65 L1,108.41 L4,717.75
15 L1,254.06 L117.94 L1,136.12 L3,581.63
16 L1,254.06 L89.54 L1,164.52 L2,417.11
17 L1,254.06 L60.43 L1,193.63 L1,223.47
18 L1,254.06 L30.59 L1,223.47 L0.00
 2. Banco Atlantida le otorga un financiamiento para que pueda hacer un arreglo de pago
debido a su alta morosidad en la tarjeta de crédito. El financiamiento consiste en un plazo
de 2 años, a una tasa anual del 33% y el arreglo es por 90,000.00
Determine el pago mensual y el cuadro de amortización.

Tasa L0.0275 Anual 0.0275

Capital L90,000.00
Tiempo 24 meses 2 años
CUOTA L5,172.18

Monto total a pagar L124,132.25

Diferencia L34,132.25
# de cuotas Cuotas Interes Abono Monto
L90,000.00
1 L5,172.18 L2,475.00 L2,697.18 L87,302.82
2 L5,172.18 L2,400.83 L2,771.35 L84,531.47
3 L5,172.18 L2,324.62 L2,847.56 L81,683.91
4 L5,172.18 L2,246.31 L2,925.87 L78,758.04
5 L5,172.18 L2,165.85 L3,006.33 L75,751.71
6 L5,172.18 L2,083.17 L3,089.00 L72,662.71
7 L5,172.18 L1,998.22 L3,173.95 L69,488.75
8 L5,172.18 L1,910.94 L3,261.24 L66,227.52
9 L5,172.18 L1,821.26 L3,350.92 L62,876.60
10 L5,172.18 L1,729.11 L3,443.07 L59,433.53
11 L5,172.18 L1,634.42 L3,537.75 L55,895.77
12 L5,172.18 L1,537.13 L3,635.04 L52,260.73
13 L5,172.18 L1,437.17 L3,735.01 L48,525.72
14 L5,172.18 L1,334.46 L3,837.72 L44,688.00
15 L5,172.18 L1,228.92 L3,943.26 L40,744.75
16 L5,172.18 L1,120.48 L4,051.70 L36,693.05
17 L5,172.18 L1,009.06 L4,163.12 L32,529.93
18 L5,172.18 L894.57 L4,277.60 L28,252.33
19 L5,172.18 L2,475.00 L2,697.18 L25,555.15
20 L5,172.18 L2,400.83 L2,771.35 L22,783.80
21 L5,172.18 L2,324.62 L2,847.56 L19,936.24
22 L5,172.18 L2,246.31 L2,925.87 L17,010.37
23 L5,172.18 L2,165.85 L3,006.33 L14,004.04
24 L5,172.18 L385.11 L4,787.07 L9,216.97
3. Se abre una cuenta en Banco Ficensa, se abre con 35,000.00, pero desea saber cuántos
intereses acumulará al tener 6 meses. La tasa es del 7% anual.
Tasa 0.01166667 Anual 0.01166667
Capital L35,000.00
Tiempo 6 Meses
CUOTA L6,073.83

Monto total a pagar L36,442.98

Diferencia L1,442.98
# de cuotas Cuotas Interes Abono Monto
L35,000.00
1 L6,073.83 L408.33 L5,665.50 L29,334.50
2 L6,073.83 L342.24 L5,731.59 L23,602.91
3 L6,073.83 L275.37 L5,798.46 L17,804.45
4 L6,073.83 L207.72 L5,866.11 L11,938.34
5 L6,073.83 L139.28 L5,934.55 L6,003.79
6 L6,073.83 L70.04 L6,003.79 L0.00
4. Se tiene un préstamo, el cual se paga por intereses el 25% anual, con un capital de
200,000.00, pagadero a 5 años, la cuota se pagará cada año.

Tasa 25% Anual

Capital L200,000.00
Tiempo 5 años
CUOTA L74,369.35

Monto total a pagar L371,846.74

Diferencia L171,846.74
# de cuotas Cuotas Interes Abono Monto
L200,000.00
1 L74,369.35 L50,000.00 L24,369.35 L175,630.65
2 L74,369.35 L43,907.66 L30,461.68 L145,168.97
3 L74,369.35 L36,292.24 L38,077.11 L107,091.86
4 L74,369.35 L26,772.97 L47,596.38 L59,495.48
5 L74,369.35 L14,873.87 L59,495.48 L0.00
5. Cooperativa Sagrada Familia le presta para mejoras, la cantidad de L 55,000.00, a una
tasa del 12.5% anual, a 3 años, pagadero semestralmente.

Tasa 6.3% Semestral L0.125 Anual L0.06

Capital L55,000.00
Tiempo 6 Semestral 3 Años 6
CUOTA L11,272.95

Monto total a pagar L67,637.70

Diferencia L12,637.70
# de cuotas Cuotas Interes Abono Monto
L55,000.00
1 L11,272.95 L3,437.50 L7,835.45 L47,164.55
2 L11,272.95 L2,947.78 L8,325.17 L38,839.38
3 L11,272.95 L2,427.46 L8,845.49 L29,993.89
4 L11,272.95 L1,874.62 L9,398.33 L20,595.56
5 L11,272.95 L1,287.22 L9,985.73 L10,609.84
6 L11,272.95 L663.11 L10,609.84 L0.00