Entrega

Nombre de la materia
Métodos Cumputacionales para finanzas.
Nombre de la licenciatura
Contaduría y Fananzas.
Nombre del alumno

Erendida Viridiana Franco Garcia.

Matrícula

010325462
Nombre de la tarea

Semana 4 Características del crédito

inmobiliario.
Unidad #

#4
Nombre del Profesor

David Alberto Bandin Rodriguez.

 Unidad 1 Nombre de la Unidad
Nombre de la Materia

Nombre de la materia
Fecha
04 Diciembre 2022

Cabe mencionar que el requisito al que se refiere el cuadro anterior, trata sobre el descuento que se aplica por
concepto de pago de crédito para casa habitación y no puede superar un tanto por ciento del sueldo mensual de un
trabajador, además de que el crédito que se otorgue debe incluir las comisiones y gastos de escrituración como un
total a financiar. Así que ahora la evidencia de logro que debes realizar para esta unidad es el Cálculo de
arrendamiento financiero y sus amortizaciones. Ejercicio. Las preguntas a resolver son:

 ¿A cuánto ascendería el descuento quincenal bajo estas condiciones para cada opción? A )15,752.17 B)
$7,923.91.
 ¿De cuánto debe ser el sueldo mínimo mensual del trabajador para que se le otorgue el crédito en cada caso,
considerando el requisito del máximo por ciento a descontar? Opción A : $31,504.34 Opcion B: $15,847.83.
 ¿Cómo quedaría representada la tabla de amortización de la deuda considerando que los intereses no varían
durante la vigencia del crédito?
 Opción A.

# Pago Pago Interés Pago Capital Saldo  

1 $31.500,00 $4,34 $1.259.995,66 $31.504,34
2 $31.499,89 $4,45 $1.259.991,21 $31.504,34
3 $31.499,78 $4,56 $1.259.986,64 $31.504,34
4 $31.499,67 $4,68 $1.259.981,97 $31.504,34
5 $31.499,55 $4,79 $1.259.977,17 $31.504,34
6 $31.499,43 $4,91 $1.259.972,26 $31.504,34
7 $31.499,31 $5,04 $1.259.967,22 $31.504,34
8 $31.499,18 $5,16 $1.259.962,06 $31.504,34
9 $31.499,05 $5,29 $1.259.956,77 $31.504,34
10 $31.498,92 $5,42 $1.259.951,34 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

11 $31.498,78 $5,56 $1.259.945,79 $31.504,34

12 $31.498,64 $5,70 $1.259.940,09 $31.504,34
13 $31.498,50 $5,84 $1.259.934,25 $31.504,34
14 $31.498,36 $5,99 $1.259.928,26 $31.504,34
15 $31.498,21 $6,14 $1.259.922,12 $31.504,34
16 $31.498,05 $6,29 $1.259.915,83 $31.504,34
17 $31.497,90 $6,45 $1.259.909,39 $31.504,34
18 $31.497,73 $6,61 $1.259.902,78 $31.504,34
19 $31.497,57 $6,77 $1.259.896,01 $31.504,34
20 $31.497,40 $6,94 $1.259.889,06 $31.504,34
21 $31.497,23 $7,12 $1.259.881,95 $31.504,34
22 $31.497,05 $7,29 $1.259.874,65 $31.504,34
23 $31.496,87 $7,48 $1.259.867,18 $31.504,34
24 $31.496,68 $7,66 $1.259.859,51 $31.504,34
25 $31.496,49 $7,86 $1.259.851,66 $31.504,34
26 $31.496,29 $8,05 $1.259.843,61 $31.504,34
27 $31.496,09 $8,25 $1.259.835,35 $31.504,34
28 $31.495,88 $8,46 $1.259.826,89 $31.504,34
29 $31.495,67 $8,67 $1.259.818,22 $31.504,34
30 $31.495,46 $8,89 $1.259.809,34 $31.504,34
31 $31.495,23 $9,11 $1.259.800,23 $31.504,34
32 $31.495,01 $9,34 $1.259.790,89 $31.504,34
33 $31.494,77 $9,57 $1.259.781,32 $31.504,34
34 $31.494,53 $9,81 $1.259.771,51 $31.504,34
35 $31.494,29 $10,06 $1.259.761,45 $31.504,34
36 $31.494,04 $10,31 $1.259.751,15 $31.504,34
37 $31.493,78 $10,56 $1.259.740,58 $31.504,34
38 $31.493,51 $10,83 $1.259.729,75 $31.504,34
39 $31.493,24 $11,10 $1.259.718,65 $31.504,34
40 $31.492,97 $11,38 $1.259.707,28 $31.504,34
41 $31.492,68 $11,66 $1.259.695,62 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

42 $31.492,39 $11,95 $1.259.683,66 $31.504,34

43 $31.492,09 $12,25 $1.259.671,41 $31.504,34
44 $31.491,79 $12,56 $1.259.658,86 $31.504,34
45 $31.491,47 $12,87 $1.259.645,98 $31.504,34
46 $31.491,15 $13,19 $1.259.632,79 $31.504,34
47 $31.490,82 $13,52 $1.259.619,27 $31.504,34
48 $31.490,48 $13,86 $1.259.605,41 $31.504,34
49 $31.490,14 $14,21 $1.259.591,20 $31.504,34
50 $31.489,78 $14,56 $1.259.576,64 $31.504,34
51 $31.489,42 $14,93 $1.259.561,71 $31.504,34
52 $31.489,04 $15,30 $1.259.546,41 $31.504,34
53 $31.488,66 $15,68 $1.259.530,73 $31.504,34
54 $31.488,27 $16,07 $1.259.514,65 $31.504,34
55 $31.487,87 $16,48 $1.259.498,17 $31.504,34
56 $31.487,45 $16,89 $1.259.481,29 $31.504,34
57 $31.487,03 $17,31 $1.259.463,98 $31.504,34
58 $31.486,60 $17,74 $1.259.446,23 $31.504,34
59 $31.486,16 $18,19 $1.259.428,05 $31.504,34
60 $31.485,70 $18,64 $1.259.409,40 $31.504,34
61 $31.485,24 $19,11 $1.259.390,30 $31.504,34
62 $31.484,76 $19,59 $1.259.370,71 $31.504,34
63 $31.484,27 $20,08 $1.259.350,63 $31.504,34
64 $31.483,77 $20,58 $1.259.330,06 $31.504,34
65 $31.483,25 $21,09 $1.259.308,97 $31.504,34
66 $31.482,72 $21,62 $1.259.287,35 $31.504,34
67 $31.482,18 $22,16 $1.259.265,19 $31.504,34
68 $31.481,63 $22,71 $1.259.242,48 $31.504,34
69 $31.481,06 $23,28 $1.259.219,19 $31.504,34
70 $31.480,48 $23,86 $1.259.195,33 $31.504,34
71 $31.479,88 $24,46 $1.259.170,87 $31.504,34
72 $31.479,27 $25,07 $1.259.145,80 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

73 $31.478,65 $25,70 $1.259.120,10 $31.504,34

74 $31.478,00 $26,34 $1.259.093,76 $31.504,34
75 $31.477,34 $27,00 $1.259.066,76 $31.504,34
76 $31.476,67 $27,67 $1.259.039,09 $31.504,34
77 $31.475,98 $28,37 $1.259.010,72 $31.504,34
78 $31.475,27 $29,07 $1.258.981,65 $31.504,34
79 $31.474,54 $29,80 $1.258.951,85 $31.504,34
80 $31.473,80 $30,55 $1.258.921,30 $31.504,34
81 $31.473,03 $31,31 $1.258.889,99 $31.504,34
82 $31.472,25 $32,09 $1.258.857,90 $31.504,34
83 $31.471,45 $32,90 $1.258.825,00 $31.504,34
84 $31.470,63 $33,72 $1.258.791,28 $31.504,34
85 $31.469,78 $34,56 $1.258.756,72 $31.504,34
86 $31.468,92 $35,42 $1.258.721,30 $31.504,34
87 $31.468,03 $36,31 $1.258.684,99 $31.504,34
88 $31.467,12 $37,22 $1.258.647,77 $31.504,34
89 $31.466,19 $38,15 $1.258.609,62 $31.504,34
90 $31.465,24 $39,10 $1.258.570,52 $31.504,34
91 $31.464,26 $40,08 $1.258.530,44 $31.504,34
92 $31.463,26 $41,08 $1.258.489,36 $31.504,34
93 $31.462,23 $42,11 $1.258.447,25 $31.504,34
94 $31.461,18 $43,16 $1.258.404,09 $31.504,34
95 $31.460,10 $44,24 $1.258.359,85 $31.504,34
96 $31.459,00 $45,35 $1.258.314,50 $31.504,34
97 $31.457,86 $46,48 $1.258.268,02 $31.504,34
98 $31.456,70 $47,64 $1.258.220,38 $31.504,34
99 $31.455,51 $48,83 $1.258.171,54 $31.504,34
100 $31.454,29 $50,05 $1.258.121,49 $31.504,34
101 $31.453,04 $51,31 $1.258.070,18 $31.504,34
102 $31.451,75 $52,59 $1.258.017,59 $31.504,34
103 $31.450,44 $53,90 $1.257.963,69 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

104 $31.449,09 $55,25 $1.257.908,44 $31.504,34

105 $31.447,71 $56,63 $1.257.851,81 $31.504,34
106 $31.446,30 $58,05 $1.257.793,76 $31.504,34
107 $31.444,84 $59,50 $1.257.734,26 $31.504,34
108 $31.443,36 $60,99 $1.257.673,28 $31.504,34
109 $31.441,83 $62,51 $1.257.610,77 $31.504,34
110 $31.440,27 $64,07 $1.257.546,69 $31.504,34
111 $31.438,67 $65,68 $1.257.481,02 $31.504,34
112 $31.437,03 $67,32 $1.257.413,70 $31.504,34
113 $31.435,34 $69,00 $1.257.344,70 $31.504,34
114 $31.433,62 $70,73 $1.257.273,97 $31.504,34
115 $31.431,85 $72,49 $1.257.201,48 $31.504,34
116 $31.430,04 $74,31 $1.257.127,17 $31.504,34
117 $31.428,18 $76,16 $1.257.051,01 $31.504,34
118 $31.426,28 $78,07 $1.256.972,94 $31.504,34
119 $31.424,32 $80,02 $1.256.892,92 $31.504,34
120 $31.422,32 $82,02 $1.256.810,90 $31.504,34
121 $31.420,27 $84,07 $1.256.726,83 $31.504,34
122 $31.418,17 $86,17 $1.256.640,66 $31.504,34
123 $31.416,02 $88,33 $1.256.552,33 $31.504,34
124 $31.413,81 $90,53 $1.256.461,80 $31.504,34
125 $31.411,54 $92,80 $1.256.369,00 $31.504,34
126 $31.409,23 $95,12 $1.256.273,88 $31.504,34
127 $31.406,85 $97,50 $1.256.176,39 $31.504,34
128 $31.404,41 $99,93 $1.256.076,45 $31.504,34
129 $31.401,91 $102,43 $1.255.974,02 $31.504,34
130 $31.399,35 $104,99 $1.255.869,03 $31.504,34
131 $31.396,73 $107,62 $1.255.761,41 $31.504,34
132 $31.394,04 $110,31 $1.255.651,11 $31.504,34
133 $31.391,28 $113,07 $1.255.538,04 $31.504,34
134 $31.388,45 $115,89 $1.255.422,15 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

135 $31.385,55 $118,79 $1.255.303,36 $31.504,34

136 $31.382,58 $121,76 $1.255.181,60 $31.504,34
137 $31.379,54 $124,80 $1.255.056,80 $31.504,34
138 $31.376,42 $127,92 $1.254.928,87 $31.504,34
139 $31.373,22 $131,12 $1.254.797,75 $31.504,34
140 $31.369,94 $134,40 $1.254.663,35 $31.504,34
141 $31.366,58 $137,76 $1.254.525,60 $31.504,34
142 $31.363,14 $141,20 $1.254.384,39 $31.504,34
143 $31.359,61 $144,73 $1.254.239,66 $31.504,34
144 $31.355,99 $148,35 $1.254.091,31 $31.504,34
145 $31.352,28 $152,06 $1.253.939,25 $31.504,34
146 $31.348,48 $155,86 $1.253.783,39 $31.504,34
147 $31.344,58 $159,76 $1.253.623,63 $31.504,34
148 $31.340,59 $163,75 $1.253.459,88 $31.504,34
149 $31.336,50 $167,85 $1.253.292,03 $31.504,34
150 $31.332,30 $172,04 $1.253.119,99 $31.504,34
151 $31.328,00 $176,34 $1.252.943,64 $31.504,34
152 $31.323,59 $180,75 $1.252.762,89 $31.504,34
153 $31.319,07 $185,27 $1.252.577,62 $31.504,34
154 $31.314,44 $189,90 $1.252.387,72 $31.504,34
155 $31.309,69 $194,65 $1.252.193,07 $31.504,34
156 $31.304,83 $199,52 $1.251.993,55 $31.504,34
157 $31.299,84 $204,50 $1.251.789,05 $31.504,34
158 $31.294,73 $209,62 $1.251.579,43 $31.504,34
159 $31.289,49 $214,86 $1.251.364,58 $31.504,34
160 $31.284,11 $220,23 $1.251.144,35 $31.504,34
161 $31.278,61 $225,73 $1.250.918,61 $31.504,34
162 $31.272,97 $231,38 $1.250.687,24 $31.504,34
163 $31.267,18 $237,16 $1.250.450,07 $31.504,34
164 $31.261,25 $243,09 $1.250.206,98 $31.504,34
165 $31.255,17 $249,17 $1.249.957,81 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

166 $31.248,95 $255,40 $1.249.702,42 $31.504,34

167 $31.242,56 $261,78 $1.249.440,63 $31.504,34
168 $31.236,02 $268,33 $1.249.172,31 $31.504,34
169 $31.229,31 $275,04 $1.248.897,27 $31.504,34
170 $31.222,43 $281,91 $1.248.615,36 $31.504,34
171 $31.215,38 $288,96 $1.248.326,40 $31.504,34
172 $31.208,16 $296,18 $1.248.030,22 $31.504,34
173 $31.200,76 $303,59 $1.247.726,63 $31.504,34
174 $31.193,17 $311,18 $1.247.415,46 $31.504,34
175 $31.185,39 $318,96 $1.247.096,50 $31.504,34
176 $31.177,41 $326,93 $1.246.769,57 $31.504,34
177 $31.169,24 $335,10 $1.246.434,46 $31.504,34
178 $31.160,86 $343,48 $1.246.090,98 $31.504,34
179 $31.152,27 $352,07 $1.245.738,92 $31.504,34
180 $31.143,47 $360,87 $1.245.378,05 $31.504,34
181 $31.134,45 $369,89 $1.245.008,15 $31.504,34
182 $31.125,20 $379,14 $1.244.629,01 $31.504,34
183 $31.115,73 $388,62 $1.244.240,40 $31.504,34
184 $31.106,01 $398,33 $1.243.842,06 $31.504,34
185 $31.096,05 $408,29 $1.243.433,77 $31.504,34
186 $31.085,84 $418,50 $1.243.015,27 $31.504,34
187 $31.075,38 $428,96 $1.242.586,31 $31.504,34
188 $31.064,66 $439,69 $1.242.146,63 $31.504,34
189 $31.053,67 $450,68 $1.241.695,95 $31.504,34
190 $31.042,40 $461,94 $1.241.234,01 $31.504,34
191 $31.030,85 $473,49 $1.240.760,51 $31.504,34
192 $31.019,01 $485,33 $1.240.275,18 $31.504,34
193 $31.006,88 $497,46 $1.239.777,72 $31.504,34
194 $30.994,44 $509,90 $1.239.267,82 $31.504,34
195 $30.981,70 $522,65 $1.238.745,17 $31.504,34
196 $30.968,63 $535,71 $1.238.209,46 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

197 $30.955,24 $549,11 $1.237.660,35 $31.504,34

198 $30.941,51 $562,83 $1.237.097,52 $31.504,34
199 $30.927,44 $576,90 $1.236.520,61 $31.504,34
200 $30.913,02 $591,33 $1.235.929,29 $31.504,34
201 $30.898,23 $606,11 $1.235.323,18 $31.504,34
202 $30.883,08 $621,26 $1.234.701,91 $31.504,34
203 $30.867,55 $636,80 $1.234.065,12 $31.504,34
204 $30.851,63 $652,71 $1.233.412,40 $31.504,34
205 $30.835,31 $669,03 $1.232.743,37 $31.504,34
206 $30.818,58 $685,76 $1.232.057,61 $31.504,34
207 $30.801,44 $702,90 $1.231.354,71 $31.504,34
208 $30.783,87 $720,48 $1.230.634,23 $31.504,34
209 $30.765,86 $738,49 $1.229.895,75 $31.504,34
210 $30.747,39 $756,95 $1.229.138,80 $31.504,34
211 $30.728,47 $775,87 $1.228.362,92 $31.504,34
212 $30.709,07 $795,27 $1.227.567,65 $31.504,34
213 $30.689,19 $815,15 $1.226.752,50 $31.504,34
214 $30.668,81 $835,53 $1.225.916,97 $31.504,34
215 $30.647,92 $856,42 $1.225.060,55 $31.504,34
216 $30.626,51 $877,83 $1.224.182,72 $31.504,34
217 $30.604,57 $899,77 $1.223.282,95 $31.504,34
218 $30.582,07 $922,27 $1.222.360,68 $31.504,34
219 $30.559,02 $945,33 $1.221.415,36 $31.504,34
220 $30.535,38 $968,96 $1.220.446,40 $31.504,34
221 $30.511,16 $993,18 $1.219.453,21 $31.504,34
222 $30.486,33 $1.018,01 $1.218.435,20 $31.504,34
223 $30.460,88 $1.043,46 $1.217.391,74 $31.504,34
224 $30.434,79 $1.069,55 $1.216.322,19 $31.504,34
225 $30.408,05 $1.096,29 $1.215.225,90 $31.504,34
226 $30.380,65 $1.123,70 $1.214.102,20 $31.504,34
227 $30.352,56 $1.151,79 $1.212.950,42 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

228 $30.323,76 $1.180,58 $1.211.769,83 $31.504,34

229 $30.294,25 $1.210,10 $1.210.559,74 $31.504,34
230 $30.263,99 $1.240,35 $1.209.319,39 $31.504,34
231 $30.232,98 $1.271,36 $1.208.048,03 $31.504,34
232 $30.201,20 $1.303,14 $1.206.744,89 $31.504,34
233 $30.168,62 $1.335,72 $1.205.409,17 $31.504,34
234 $30.135,23 $1.369,11 $1.204.040,05 $31.504,34
235 $30.101,00 $1.403,34 $1.202.636,71 $31.504,34
236 $30.065,92 $1.438,43 $1.201.198,29 $31.504,34
237 $30.029,96 $1.474,39 $1.199.723,90 $31.504,34
238 $29.993,10 $1.511,25 $1.198.212,66 $31.504,34
239 $29.955,32 $1.549,03 $1.196.663,63 $31.504,34
240 $29.916,59 $1.587,75 $1.195.075,88 $31.504,34
241 $29.876,90 $1.627,45 $1.193.448,43 $31.504,34
242 $29.836,21 $1.668,13 $1.191.780,30 $31.504,34
243 $29.794,51 $1.709,84 $1.190.070,46 $31.504,34
244 $29.751,76 $1.752,58 $1.188.317,88 $31.504,34
245 $29.707,95 $1.796,40 $1.186.521,49 $31.504,34
246 $29.663,04 $1.841,31 $1.184.680,18 $31.504,34
247 $29.617,00 $1.887,34 $1.182.792,84 $31.504,34
248 $29.569,82 $1.934,52 $1.180.858,32 $31.504,34
249 $29.521,46 $1.982,88 $1.178.875,44 $31.504,34
250 $29.471,89 $2.032,46 $1.176.842,98 $31.504,34
251 $29.421,07 $2.083,27 $1.174.759,71 $31.504,34
252 $29.368,99 $2.135,35 $1.172.624,36 $31.504,34
253 $29.315,61 $2.188,73 $1.170.435,63 $31.504,34
254 $29.260,89 $2.243,45 $1.168.192,17 $31.504,34
255 $29.204,80 $2.299,54 $1.165.892,64 $31.504,34
256 $29.147,32 $2.357,03 $1.163.535,61 $31.504,34
257 $29.088,39 $2.415,95 $1.161.119,66 $31.504,34
258 $29.027,99 $2.476,35 $1.158.643,30 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

259 $28.966,08 $2.538,26 $1.156.105,04 $31.504,34

260 $28.902,63 $2.601,72 $1.153.503,33 $31.504,34
261 $28.837,58 $2.666,76 $1.150.836,57 $31.504,34
262 $28.770,91 $2.733,43 $1.148.103,14 $31.504,34
263 $28.702,58 $2.801,76 $1.145.301,37 $31.504,34
264 $28.632,53 $2.871,81 $1.142.429,57 $31.504,34
265 $28.560,74 $2.943,60 $1.139.485,96 $31.504,34
266 $28.487,15 $3.017,19 $1.136.468,77 $31.504,34
267 $28.411,72 $3.092,62 $1.133.376,14 $31.504,34
268 $28.334,40 $3.169,94 $1.130.206,20 $31.504,34
269 $28.255,16 $3.249,19 $1.126.957,02 $31.504,34
270 $28.173,93 $3.330,42 $1.123.626,60 $31.504,34
271 $28.090,66 $3.413,68 $1.120.212,92 $31.504,34
272 $28.005,32 $3.499,02 $1.116.713,90 $31.504,34
273 $27.917,85 $3.586,50 $1.113.127,41 $31.504,34
274 $27.828,19 $3.676,16 $1.109.451,25 $31.504,34
275 $27.736,28 $3.768,06 $1.105.683,19 $31.504,34
276 $27.642,08 $3.862,26 $1.101.820,92 $31.504,34
277 $27.545,52 $3.958,82 $1.097.862,10 $31.504,34
278 $27.446,55 $4.057,79 $1.093.804,31 $31.504,34
279 $27.345,11 $4.159,24 $1.089.645,08 $31.504,34
280 $27.241,13 $4.263,22 $1.085.381,86 $31.504,34
281 $27.134,55 $4.369,80 $1.081.012,07 $31.504,34
282 $27.025,30 $4.479,04 $1.076.533,03 $31.504,34
283 $26.913,33 $4.591,02 $1.071.942,01 $31.504,34
284 $26.798,55 $4.705,79 $1.067.236,22 $31.504,34
285 $26.680,91 $4.823,44 $1.062.412,78 $31.504,34
286 $26.560,32 $4.944,02 $1.057.468,75 $31.504,34
287 $26.436,72 $5.067,62 $1.052.401,13 $31.504,34
288 $26.310,03 $5.194,31 $1.047.206,82 $31.504,34
289 $26.180,17 $5.324,17 $1.041.882,64 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

290 $26.047,07 $5.457,28 $1.036.425,37 $31.504,34

291 $25.910,63 $5.593,71 $1.030.831,66 $31.504,34
292 $25.770,79 $5.733,55 $1.025.098,11 $31.504,34
293 $25.627,45 $5.876,89 $1.019.221,22 $31.504,34
294 $25.480,53 $6.023,81 $1.013.197,40 $31.504,34
295 $25.329,94 $6.174,41 $1.007.023,00 $31.504,34
296 $25.175,57 $6.328,77 $1.000.694,23 $31.504,34
297 $25.017,36 $6.486,99 $994.207,24 $31.504,34
298 $24.855,18 $6.649,16 $987.558,08 $31.504,34
299 $24.688,95 $6.815,39 $980.742,69 $31.504,34
300 $24.518,57 $6.985,78 $973.756,91 $31.504,34
301 $24.343,92 $7.160,42 $966.596,49 $31.504,34
302 $24.164,91 $7.339,43 $959.257,06 $31.504,34
303 $23.981,43 $7.522,92 $951.734,15 $31.504,34
304 $23.793,35 $7.710,99 $944.023,16 $31.504,34
305 $23.600,58 $7.903,76 $936.119,39 $31.504,34
306 $23.402,98 $8.101,36 $928.018,03 $31.504,34
307 $23.200,45 $8.303,89 $919.714,14 $31.504,34
308 $22.992,85 $8.511,49 $911.202,65 $31.504,34
309 $22.780,07 $8.724,28 $902.478,38 $31.504,34
310 $22.561,96 $8.942,38 $893.535,99 $31.504,34
311 $22.338,40 $9.165,94 $884.370,05 $31.504,34
312 $22.109,25 $9.395,09 $874.974,96 $31.504,34
313 $21.874,37 $9.629,97 $865.344,99 $31.504,34
314 $21.633,62 $9.870,72 $855.474,27 $31.504,34
315 $21.386,86 $10.117,49 $845.356,78 $31.504,34
316 $21.133,92 $10.370,42 $834.986,36 $31.504,34
317 $20.874,66 $10.629,68 $824.356,68 $31.504,34
318 $20.608,92 $10.895,43 $813.461,25 $31.504,34
319 $20.336,53 $11.167,81 $802.293,44 $31.504,34
320 $20.057,34 $11.447,01 $790.846,43 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

321 $19.771,16 $11.733,18 $779.113,25 $31.504,34

322 $19.477,83 $12.026,51 $767.086,74 $31.504,34
323 $19.177,17 $12.327,17 $754.759,56 $31.504,34
324 $18.868,99 $12.635,35 $742.124,21 $31.504,34
325 $18.553,11 $12.951,24 $729.172,97 $31.504,34
326 $18.229,32 $13.275,02 $715.897,95 $31.504,34
327 $17.897,45 $13.606,89 $702.291,06 $31.504,34
328 $17.557,28 $13.947,07 $688.343,99 $31.504,34
329 $17.208,60 $14.295,74 $674.048,25 $31.504,34
330 $16.851,21 $14.653,14 $659.395,11 $31.504,34
331 $16.484,88 $15.019,47 $644.375,65 $31.504,34
332 $16.109,39 $15.394,95 $628.980,70 $31.504,34
333 $15.724,52 $15.779,83 $613.200,87 $31.504,34
334 $15.330,02 $16.174,32 $597.026,55 $31.504,34
335 $14.925,66 $16.578,68 $580.447,87 $31.504,34
336 $14.511,20 $16.993,15 $563.454,73 $31.504,34
337 $14.086,37 $17.417,97 $546.036,75 $31.504,34
338 $13.650,92 $17.853,42 $528.183,33 $31.504,34
339 $13.204,58 $18.299,76 $509.883,57 $31.504,34
340 $12.747,09 $18.757,25 $491.126,31 $31.504,34
341 $12.278,16 $19.226,19 $471.900,13 $31.504,34
342 $11.797,50 $19.706,84 $452.193,29 $31.504,34
343 $11.304,83 $20.199,51 $431.993,78 $31.504,34
344 $10.799,84 $20.704,50 $411.289,28 $31.504,34
345 $10.282,23 $21.222,11 $390.067,17 $31.504,34
346 $9.751,68 $21.752,66 $368.314,51 $31.504,34
347 $9.207,86 $22.296,48 $346.018,03 $31.504,34
348 $8.650,45 $22.853,89 $323.164,13 $31.504,34
349 $8.079,10 $23.425,24 $299.738,89 $31.504,34
350 $7.493,47 $24.010,87 $275.728,02 $31.504,34
351 $6.893,20 $24.611,14 $251.116,88 $31.504,34
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

352 $6.277,92 $25.226,42 $225.890,46 $31.504,34

353 $5.647,26 $25.857,08 $200.033,38 $31.504,34
354 $5.000,83 $26.503,51 $173.529,87 $31.504,34
355 $4.338,25 $27.166,10 $146.363,77 $31.504,34
356 $3.659,09 $27.845,25 $118.518,53 $31.504,34
357 $2.962,96 $28.541,38 $89.977,15 $31.504,34
358 $2.249,43 $29.254,91 $60.722,23 $31.504,34
359 $1.518,06 $29.986,29 $30.735,94 $31.504,34
360 $768,40 $30.735,94 $0,00 $31.504,34

Opción B.

# Pago Pago Interés Pago Capital Saldo  

1 $15.735,42 $112,41 $755.187,59 $15.847,83
2 $15.733,07 $114,75 $755.072,84 $15.847,83
3 $15.730,68 $117,14 $754.955,69 $15.847,83
4 $15.728,24 $119,58 $754.836,11 $15.847,83
5 $15.725,75 $122,08 $754.714,03 $15.847,83
6 $15.723,21 $124,62 $754.589,42 $15.847,83
7 $15.720,61 $127,21 $754.462,20 $15.847,83
8 $15.717,96 $129,86 $754.332,34 $15.847,83
9 $15.715,26 $132,57 $754.199,77 $15.847,83
10 $15.712,50 $135,33 $754.064,43 $15.847,83
11 $15.709,68 $138,15 $753.926,28 $15.847,83
12 $15.706,80 $141,03 $753.785,25 $15.847,83
13 $15.703,86 $143,97 $753.641,29 $15.847,83
14 $15.700,86 $146,97 $753.494,32 $15.847,83
15 $15.697,80 $150,03 $753.344,29 $15.847,83
16 $15.694,67 $153,15 $753.191,13 $15.847,83
17 $15.691,48 $156,35 $753.034,79 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

18 $15.688,22 $159,60 $752.875,19 $15.847,83

19 $15.684,90 $162,93 $752.712,26 $15.847,83
20 $15.681,51 $166,32 $752.545,94 $15.847,83
21 $15.678,04 $169,79 $752.376,15 $15.847,83
22 $15.674,50 $173,32 $752.202,83 $15.847,83
23 $15.670,89 $176,94 $752.025,89 $15.847,83
24 $15.667,21 $180,62 $751.845,27 $15.847,83
25 $15.663,44 $184,38 $751.660,89 $15.847,83
26 $15.659,60 $188,23 $751.472,66 $15.847,83
27 $15.655,68 $192,15 $751.280,51 $15.847,83
28 $15.651,68 $196,15 $751.084,36 $15.847,83
29 $15.647,59 $200,24 $750.884,13 $15.847,83
30 $15.643,42 $204,41 $750.679,72 $15.847,83
31 $15.639,16 $208,67 $750.471,05 $15.847,83
32 $15.634,81 $213,01 $750.258,04 $15.847,83
33 $15.630,38 $217,45 $750.040,59 $15.847,83
34 $15.625,85 $221,98 $749.818,61 $15.847,83
35 $15.621,22 $226,61 $749.592,00 $15.847,83
36 $15.616,50 $231,33 $749.360,67 $15.847,83
37 $15.611,68 $236,15 $749.124,52 $15.847,83
38 $15.606,76 $241,07 $748.883,46 $15.847,83
39 $15.601,74 $246,09 $748.637,37 $15.847,83
40 $15.596,61 $251,22 $748.386,15 $15.847,83
41 $15.591,38 $256,45 $748.129,71 $15.847,83
42 $15.586,04 $261,79 $747.867,91 $15.847,83
43 $15.580,58 $267,25 $747.600,67 $15.847,83
44 $15.575,01 $272,81 $747.327,85 $15.847,83
45 $15.569,33 $278,50 $747.049,36 $15.847,83
46 $15.563,53 $284,30 $746.765,06 $15.847,83
47 $15.557,61 $290,22 $746.474,84 $15.847,83
48 $15.551,56 $296,27 $746.178,57 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

49 $15.545,39 $302,44 $745.876,13 $15.847,83

50 $15.539,09 $308,74 $745.567,39 $15.847,83
51 $15.532,65 $315,17 $745.252,21 $15.847,83
52 $15.526,09 $321,74 $744.930,47 $15.847,83
53 $15.519,38 $328,44 $744.602,03 $15.847,83
54 $15.512,54 $335,29 $744.266,75 $15.847,83
55 $15.505,56 $342,27 $743.924,48 $15.847,83
56 $15.498,43 $349,40 $743.575,07 $15.847,83
57 $15.491,15 $356,68 $743.218,39 $15.847,83
58 $15.483,72 $364,11 $742.854,28 $15.847,83
59 $15.476,13 $371,70 $742.482,59 $15.847,83
60 $15.468,39 $379,44 $742.103,15 $15.847,83
61 $15.460,48 $387,35 $741.715,80 $15.847,83
62 $15.452,41 $395,41 $741.320,39 $15.847,83
63 $15.444,17 $403,65 $740.916,73 $15.847,83
64 $15.435,77 $412,06 $740.504,67 $15.847,83
65 $15.427,18 $420,65 $740.084,03 $15.847,83
66 $15.418,42 $429,41 $739.654,62 $15.847,83
67 $15.409,47 $438,36 $739.216,26 $15.847,83
68 $15.400,34 $447,49 $738.768,77 $15.847,83
69 $15.391,02 $456,81 $738.311,96 $15.847,83
70 $15.381,50 $466,33 $737.845,63 $15.847,83
71 $15.371,78 $476,04 $737.369,59 $15.847,83
72 $15.361,87 $485,96 $736.883,63 $15.847,83
73 $15.351,74 $496,09 $736.387,54 $15.847,83
74 $15.341,41 $506,42 $735.881,12 $15.847,83
75 $15.330,86 $516,97 $735.364,15 $15.847,83
76 $15.320,09 $527,74 $734.836,41 $15.847,83
77 $15.309,09 $538,74 $734.297,68 $15.847,83
78 $15.297,87 $549,96 $733.747,72 $15.847,83
79 $15.286,41 $561,42 $733.186,30 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

80 $15.274,71 $573,11 $732.613,19 $15.847,83

81 $15.262,77 $585,05 $732.028,13 $15.847,83
82 $15.250,59 $597,24 $731.430,89 $15.847,83
83 $15.238,14 $609,68 $730.821,21 $15.847,83
84 $15.225,44 $622,39 $730.198,82 $15.847,83
85 $15.212,48 $635,35 $729.563,47 $15.847,83
86 $15.199,24 $648,59 $728.914,88 $15.847,83
87 $15.185,73 $662,10 $728.252,78 $15.847,83
88 $15.171,93 $675,89 $727.576,89 $15.847,83
89 $15.157,85 $689,98 $726.886,91 $15.847,83
90 $15.143,48 $704,35 $726.182,56 $15.847,83
91 $15.128,80 $719,02 $725.463,54 $15.847,83
92 $15.113,82 $734,00 $724.729,54 $15.847,83
93 $15.098,53 $749,30 $723.980,24 $15.847,83
94 $15.082,92 $764,91 $723.215,34 $15.847,83
95 $15.066,99 $780,84 $722.434,49 $15.847,83
96 $15.050,72 $797,11 $721.637,39 $15.847,83
97 $15.034,11 $813,72 $720.823,67 $15.847,83
98 $15.017,16 $830,67 $719.993,00 $15.847,83
99 $14.999,85 $847,97 $719.145,03 $15.847,83
100 $14.982,19 $865,64 $718.279,39 $15.847,83
101 $14.964,15 $883,67 $717.395,72 $15.847,83
102 $14.945,74 $902,08 $716.493,63 $15.847,83
103 $14.926,95 $920,88 $715.572,76 $15.847,83
104 $14.907,77 $940,06 $714.632,70 $15.847,83
105 $14.888,18 $959,65 $713.673,05 $15.847,83
106 $14.868,19 $979,64 $712.693,41 $15.847,83
107 $14.847,78 $1.000,05 $711.693,36 $15.847,83
108 $14.826,95 $1.020,88 $710.672,48 $15.847,83
109 $14.805,68 $1.042,15 $709.630,33 $15.847,83
110 $14.783,97 $1.063,86 $708.566,47 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

111 $14.761,80 $1.086,03 $707.480,44 $15.847,83

112 $14.739,18 $1.108,65 $706.371,79 $15.847,83
113 $14.716,08 $1.131,75 $705.240,04 $15.847,83
114 $14.692,50 $1.155,33 $704.084,72 $15.847,83
115 $14.668,43 $1.179,40 $702.905,32 $15.847,83
116 $14.643,86 $1.203,97 $701.701,35 $15.847,83
117 $14.618,78 $1.229,05 $700.472,30 $15.847,83
118 $14.593,17 $1.254,65 $699.217,65 $15.847,83
119 $14.567,03 $1.280,79 $697.936,86 $15.847,83
120 $14.540,35 $1.307,48 $696.629,38 $15.847,83
121 $14.513,11 $1.334,72 $695.294,67 $15.847,83
122 $14.485,31 $1.362,52 $693.932,14 $15.847,83
123 $14.456,92 $1.390,91 $692.541,24 $15.847,83
124 $14.427,94 $1.419,88 $691.121,35 $15.847,83
125 $14.398,36 $1.449,47 $689.671,89 $15.847,83
126 $14.368,16 $1.479,66 $688.192,22 $15.847,83
127 $14.337,34 $1.510,49 $686.681,73 $15.847,83
128 $14.305,87 $1.541,96 $685.139,78 $15.847,83
129 $14.273,75 $1.574,08 $683.565,69 $15.847,83
130 $14.240,95 $1.606,88 $681.958,82 $15.847,83
131 $14.207,48 $1.640,35 $680.318,47 $15.847,83
132 $14.173,30 $1.674,53 $678.643,94 $15.847,83
133 $14.138,42 $1.709,41 $676.934,53 $15.847,83
134 $14.102,80 $1.745,02 $675.189,50 $15.847,83
135 $14.066,45 $1.781,38 $673.408,12 $15.847,83
136 $14.029,34 $1.818,49 $671.589,63 $15.847,83
137 $13.991,45 $1.856,38 $669.733,26 $15.847,83
138 $13.952,78 $1.895,05 $667.838,21 $15.847,83
139 $13.913,30 $1.934,53 $665.903,67 $15.847,83
140 $13.872,99 $1.974,83 $663.928,84 $15.847,83
141 $13.831,85 $2.015,98 $661.912,86 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

142 $13.789,85 $2.057,98 $659.854,89 $15.847,83

143 $13.746,98 $2.100,85 $657.754,04 $15.847,83
144 $13.703,21 $2.144,62 $655.609,42 $15.847,83
145 $13.658,53 $2.189,30 $653.420,12 $15.847,83
146 $13.612,92 $2.234,91 $651.185,21 $15.847,83
147 $13.566,36 $2.281,47 $648.903,74 $15.847,83
148 $13.518,83 $2.329,00 $646.574,74 $15.847,83
149 $13.470,31 $2.377,52 $644.197,22 $15.847,83
150 $13.420,78 $2.427,05 $641.770,17 $15.847,83
151 $13.370,21 $2.477,62 $639.292,56 $15.847,83
152 $13.318,59 $2.529,23 $636.763,32 $15.847,83
153 $13.265,90 $2.581,92 $634.181,40 $15.847,83
154 $13.212,11 $2.635,71 $631.545,69 $15.847,83
155 $13.157,20 $2.690,63 $628.855,06 $15.847,83
156 $13.101,15 $2.746,68 $626.108,38 $15.847,83
157 $13.043,92 $2.803,90 $623.304,48 $15.847,83
158 $12.985,51 $2.862,32 $620.442,16 $15.847,83
159 $12.925,88 $2.921,95 $617.520,21 $15.847,83
160 $12.865,00 $2.982,82 $614.537,39 $15.847,83
161 $12.802,86 $3.044,97 $611.492,42 $15.847,83
162 $12.739,43 $3.108,40 $608.384,02 $15.847,83
163 $12.674,67 $3.173,16 $605.210,86 $15.847,83
164 $12.608,56 $3.239,27 $601.971,59 $15.847,83
165 $12.541,07 $3.306,75 $598.664,84 $15.847,83
166 $12.472,18 $3.375,64 $595.289,20 $15.847,83
167 $12.401,86 $3.445,97 $591.843,23 $15.847,83
168 $12.330,07 $3.517,76 $588.325,47 $15.847,83
169 $12.256,78 $3.591,05 $584.734,42 $15.847,83
170 $12.181,97 $3.665,86 $581.068,56 $15.847,83
171 $12.105,60 $3.742,23 $577.326,33 $15.847,83
172 $12.027,63 $3.820,20 $573.506,13 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

173 $11.948,04 $3.899,78 $569.606,35 $15.847,83

174 $11.866,80 $3.981,03 $565.625,32 $15.847,83
175 $11.783,86 $4.063,97 $561.561,35 $15.847,83
176 $11.699,19 $4.148,63 $557.412,72 $15.847,83
177 $11.612,77 $4.235,06 $553.177,66 $15.847,83
178 $11.524,53 $4.323,29 $548.854,37 $15.847,83
179 $11.434,47 $4.413,36 $544.441,01 $15.847,83
180 $11.342,52 $4.505,31 $539.935,70 $15.847,83
181 $11.248,66 $4.599,17 $535.336,53 $15.847,83
182 $11.152,84 $4.694,98 $530.641,55 $15.847,83
183 $11.055,03 $4.792,80 $525.848,75 $15.847,83
184 $10.955,18 $4.892,64 $520.956,11 $15.847,83
185 $10.853,25 $4.994,58 $515.961,53 $15.847,83
186 $10.749,20 $5.098,63 $510.862,91 $15.847,83
187 $10.642,98 $5.204,85 $505.658,06 $15.847,83
188 $10.534,54 $5.313,28 $500.344,77 $15.847,83
189 $10.423,85 $5.423,98 $494.920,79 $15.847,83
190 $10.310,85 $5.536,98 $489.383,82 $15.847,83
191 $10.195,50 $5.652,33 $483.731,49 $15.847,83
192 $10.077,74 $5.770,09 $477.961,40 $15.847,83
193 $9.957,53 $5.890,30 $472.071,10 $15.847,83
194 $9.834,81 $6.013,01 $466.058,09 $15.847,83
195 $9.709,54 $6.138,28 $459.919,80 $15.847,83
196 $9.581,66 $6.266,16 $453.653,64 $15.847,83
197 $9.451,12 $6.396,71 $447.256,93 $15.847,83
198 $9.317,85 $6.529,97 $440.726,95 $15.847,83
199 $9.181,81 $6.666,02 $434.060,94 $15.847,83
200 $9.042,94 $6.804,89 $427.256,05 $15.847,83
201 $8.901,17 $6.946,66 $420.309,39 $15.847,83
202 $8.756,45 $7.091,38 $413.218,00 $15.847,83
203 $8.608,71 $7.239,12 $405.978,89 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

204 $8.457,89 $7.389,93 $398.588,95 $15.847,83

205 $8.303,94 $7.543,89 $391.045,06 $15.847,83
206 $8.146,77 $7.701,06 $383.344,01 $15.847,83
207 $7.986,33 $7.861,49 $375.482,51 $15.847,83
208 $7.822,55 $8.025,27 $367.457,24 $15.847,83
209 $7.655,36 $8.192,47 $359.264,77 $15.847,83
210 $7.484,68 $8.363,14 $350.901,62 $15.847,83
211 $7.310,45 $8.537,38 $342.364,25 $15.847,83
212 $7.132,59 $8.715,24 $333.649,01 $15.847,83
213 $6.951,02 $8.896,81 $324.752,20 $15.847,83
214 $6.765,67 $9.082,16 $315.670,05 $15.847,83
215 $6.576,46 $9.271,37 $306.398,68 $15.847,83
216 $6.383,31 $9.464,52 $296.934,16 $15.847,83
217 $6.186,13 $9.661,70 $287.272,46 $15.847,83
218 $5.984,84 $9.862,98 $277.409,47 $15.847,83
219 $5.779,36 $10.068,46 $267.341,01 $15.847,83
220 $5.569,60 $10.278,22 $257.062,79 $15.847,83
221 $5.355,47 $10.492,35 $246.570,43 $15.847,83
222 $5.136,88 $10.710,94 $235.859,49 $15.847,83
223 $4.913,74 $10.934,09 $224.925,40 $15.847,83
224 $4.685,95 $11.161,88 $213.763,52 $15.847,83
225 $4.453,41 $11.394,42 $202.369,10 $15.847,83
226 $4.216,02 $11.631,80 $190.737,30 $15.847,83
227 $3.973,69 $11.874,13 $178.863,16 $15.847,83
228 $3.726,32 $12.121,51 $166.741,65 $15.847,83
229 $3.473,78 $12.374,04 $154.367,61 $15.847,83
230 $3.215,99 $12.631,84 $141.735,77 $15.847,83
231 $2.952,83 $12.895,00 $128.840,77 $15.847,83
232 $2.684,18 $13.163,64 $115.677,13 $15.847,83
233 $2.409,94 $13.437,89 $102.239,24 $15.847,83
234 $2.129,98 $13.717,84 $88.521,40 $15.847,83
 Unidad 1 Nombre de la Unidad
Nombre de la Materia

235 $1.844,20 $14.003,63 $74.517,77 $15.847,83

236 $1.552,45 $14.295,37 $60.222,39 $15.847,83
237 $1.254,63 $14.593,19 $45.629,20 $15.847,83
238 $950,61 $14.897,22 $30.731,98 $15.847,83
239 $640,25 $15.207,58 $15.524,40 $15.847,83
240 $323,43 $15.524,40 $0,00 $15.847,83

 En tu opinión, ¿cuál opción es mejor? La opción B a mi punto de vista es la mejor ya que es a menos años y
mucho mejor el factor de descuento el cual no estaríamos pagando tanto a capital.
 ¿Qué pasaría si variaran las tasas de interés? Afectaría mucho mi crédito ya que si la tasa de interés aumenta
así como la demanda quizá de la zona donde queremos obtener la residencia, nos puede afectar y las adquisiciones
de bienes es una de los activos que no disminuyen su costo si no todo lo contrario aumentan año con año.
 ¿Cómo afectaría tu crédito? Como se explico, aparte que mi crédito puedo variar en mis descuentos mensu-
ales o semanales o quincenales dependiendo el caso.

Y supongo que, con tu efectividad para las finanzas, seguramente tu sueldo superará el necesario para créditos de
este tipo.

Comparte con tus compañeros tus hallazgos y sube tu archivo para que pueda consultarse.

Integra un documento que incluya una breve introducción, el desarrollo de los puntos solicitados, un apartado de
conclusiones y las referencias bibliográficas.

(https://bookshelf.vitalsource.com/#/search?q=9786074422207&context_token=be7b44a0-5689-013b-4609-
768e6439f162&request_token=eyJhbGciOiJkaXIiLCJlbmMiOiJBMTI4Q0JDLUhTMjU2In0..C6CvlA8OTaXG4vBm61UGUQ.zt4a
mLYIBBUHIhP8A0SrscWMkH8sEVgmDo88q-yVcWRsLPGEXrMPv4c5-lm, s.j.)