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MATEMATICAS
FINANCIERAS
Lic En Administración
Semestre: 4° Grupo: DG
Maestro: Karina Elizabeth Delgado Ledezma
Integrantes de equipo:
Aguilar Cazares Aleida Sarahi 1961227
Carrillo Rodríguez Aleyda Sarahi 1978659
Carrillo Rodríguez Aydee Margarita 1978616
Garza López Sergio Esaú 1757507
Firma:
Operaciones financieras:
- Retiros de afore.
- Créditos automotrices
- Créditos personales.
- Financiamiento hipotecario de liquidez o adquisición.
- Créditos empresariales.
- Apertura de cuenta de inversión.
- Fondos de inversión
- Apertura cuenta de ahorro.
- Depósitos referenciales.
- Transferencias interbancarias.
- Pago de servicios
- Seguros.
- Fianzas.
- Tarjetas de crédito
- Crédito de nómina.
Ford
Giro de la empresa: Automotriz
Operaciones financieras:
➢ Financiamiento de contado automotriz
➢ Financiamiento de crédito automotriz
➢ Seguros de daños financiado
➢ Seguro de vida financiado
Ejercicio 1
Ejercicio Empresa BBVA
David adquiere un préstamo en el banco de $28,900 con una tasa de interés 60.50% convertible
mensualmente que amortizará con 6 pagos mensuales iguales. ¿Cuál es el valor de R? Elaborar una tabla de
amortización
DATOS
R ?
C $28,900.00
i anual 0.605
i mensual 0.050416667
n 6 R 5701.394079
R= 28,900(0.50416667)
1 - (1+0.050416667)^-6
R= 1,457 $1,457.04
1 - (1.050416667)^-6 1.050416667
R= 1,457
1 - 0.744441157 0.744441157
R= 1,457
0.255558843 0.255558843
R= 5701.3941 R= 5701.394079
INTERÉS
FECHA PAGO MENSUAL SOBRE AMORTIZACION SALDO
SALDO
En el momento de la - - - $28,900.00
operación
Fin del bimestre 1 $5,701.39 $1,457.04 $4,244.35 $24,655.65
Fin del bimestre 2 $5,701.39 $1,243.06 $4,458.34 $20,197.31
Fin del bimestre 3 $5,701.39 $1,018.28 $4,683.11 $15,514.20
Fin del bimestre 4 $5,701.39 $782.17 $4,919.22 $10,594.98
Fin del bimestre 5 $5,701.39 $534.16 $5,167.23 $5,427.75
Fin del bimestre 6 $5,701.39 $273.65 $5,427.75 $0.00
Totales $34,208.36 $5,308.36 $28,900.00
Ejercicio 2
Ejercicio Empresa Inbursa
¿Cuál será el monto que acumulará Don Ernesto si realiza 24 depósitos mensuales de $3,000
cada uno, en una cuenta de inversión que rinde 45% anual convertible mensualmente?
DATOS
R 3,000
M ?
i anual 0.45
i mensual 0.0375
n 24 M= $ 113,555.05
M= 3,000(1+.0375)^24-1
0.0375
M= 3000(1.0375)^24-1 1.375
0.0375
M= 3000(2.419438177)-1 2.41943818
0.0375
M= 3000(1.419438177) 1.41943818
0.0375
M= 3000(37.8516847) 37.8516847
$
M= M= $ 113,555.05
113,555.05
Ejercicio 3
Ejercicio Empresa Ford
Silvia compra un Edge 2022 versión VEL plus que cuesta $912,000 al contado, paga
$228,000 de enganche y conviene amortizar el resto mediante 24 pagos mensuales iguales
con un interés a razón de 2.46% convertible mensualmente. A, encontrar el valor de los pagos
B, construir una tabla que muestre la forma en que se va amortizando la deuda. c) $684,061.36
que debe pagarse exactamente dentro de cuatro meses, con un fondo de amortización
constituido mediante 24 depósitos mensuales iguales, el primero de los cuales debe hacerse
dentro de un mes, D) Haga una tabla para comparar el comportamiento de las operaciones
planteadas en B) y C)
A)
DATOS
R ?
C $684,000.00
i anual 0.0246
i mensual 0.00205
n 24 R $ 29,236.05
24 pagos mensuales vencidos de $29,236.05 amortizan una deuda con valor actual de
$684,000.00 e interés 0.00205 mensual
R= 684,000(.00205)
1-(1+.00205)^-24
$
R= 1,402.20 1,402.20
1-(1.00205)^-24 1.00205
R= 1,402.20
1-(.952038657) 0.952038657
R= 1,402.20
0.04796134 0.047961343
R= $ 29,236.05 R= $ 29,236.05
B)
PAGO INTERES
FECHA AMORTIZACION SALDO
SEMESTRAL SOBRE SALDO
En el momento $ $ $
de la operación - - - $684,000.00
Fin del mes 1 $29,236.05 $1,402.20 $27,833.85 $656,166.15
Fin del mes 2 $29,236.05 $1,345.14 $27,890.90 $628,275.25
Fin del mes 3 $29,236.05 $1,287.96 $27,948.08 $600,327.17
Fin del mes 4 $29,236.05 $1,230.67 $28,005.37 $572,321.79
Fin del mes 5 $29,236.05 $1,173.26 $28,062.79 $544,259.01
Fin del mes 6 $29,236.05 $1,115.73 $28,120.31 $516,138.69
Fin del mes 7 $29,236.05 $1,058.08 $28,177.96 $487,960.73
Fin del mes 8 $29,236.05 $1,000.32 $28,235.73 $459,725.01
Fin del mes 9 $29,236.05 $942.44 $28,293.61 $431,431.40
Fin del mes 10 $29,236.05 $884.43 $28,351.61 $403,079.79
Fin del mes 11 $29,236.05 $826.31 $28,409.73 $374,670.05
Fin del mes 12 $29,236.05 $768.07 $28,467.97 $346,202.08
Fin del mes 13 $29,236.05 $709.71 $28,526.33 $317,675.75
Fin del mes 14 $29,236.05 $651.24 $28,584.81 $289,090.94
Fin del mes 15 $29,236.05 $592.64 $28,643.41 $260,447.53
Fin del mes 16 $29,236.05 $533.92 $28,702.13 $231,745.40
Fin del mes 17 $29,236.05 $475.08 $28,760.97 $202,984.44
Fin del mes 18 $29,236.05 $416.12 $28,819.93 $174,164.51
Fin del mes 19 $29,236.05 $357.04 $28,879.01 $145,285.50
Fin del mes 20 $29,236.05 $297.84 $28,938.21 $116,347.29
Fin del mes 21 $29,236.05 $238.51 $28,997.53 $87,349.76
Fin del mes 22 $29,236.05 $179.07 $29,056.98 $58,292.78
Fin del mes 23 $29,236.05 $119.50 $29,116.55 $29,176.23
Fin del mes 24 $29,236.05 $59.81 $29,176.23 $0.00
Totales $701,665.09 $17,665.09 $684,000.00
C)
DATOS
R ?
C $684,061.36
i anual 0.0246
i mensual 0.00205
n 24 R $27,836.34
R= 684.061.36(.00205)
(1+.00205)^24(-1)
R= 1,402.33 $ 1,402.33
(1.00205)^24(-1) 1.00205
R= 1,402.33
0.050377516 0.050377516
R= 1,402.33
0.05037752
R= $ 27,836.34 R= $ 27,836.34
Interest: Amount of money that a person or institution must pay (loan) for making
use of a certain amount of money that it lends to another person or institution, for a
certain period.
Simple interest: It is the one that is paid or charged exclusively on the amount of
the initial capital borrowed (the interest earned is not accumulated to the capital)
Compound interest: It implies the capitalization (increased to the original capital
invested) of the interest earned in a previously agreed period.
Amount M: It is the result obtained by adding the original capital plus general interest
Capital (present value) C: Capital of money that is invested or initially received in
a financial operation.
Interest rate i: It is the precise one for the use of money, it is expressed in decimal
form or as a percentage.
Interest I: Amount paid for the use of money
n: Number of payment periods.
Time: It is the period that a financial operation lasts and can be expressed in any
unit of time, year, month, week, day, etc.
Discount D: Financial operation that substitutes a future amount for an equivalent
present value, given a specific time or term and an interest rate.
Capitalization: It is the financial operation by which the interest earned during a set
period is added to the original capital.
Conversion frequency: It is the number of times the interest number is
compounded during a year.
Capitalization period: Period after which the interest accrued in a financial
operation is capitalized.
Focal date: Date on which the value of both cash flows is equal.
Nominal interest rate: Expressed on an annual basis that governs during the period
of a financial operation.
Annual effective rate: Interest rate effectively paid or earned annually when interest
is capitalized in periods of less than one year.
Maturity time: It is the way in which all debts can be settled with a single payment
equal to the sum of different debts.
Equivalent time: It is the time that remains to elapse until the average maturity date
of a set of debts.
Annuity: Set of equal payments made at equal intervals.
Income R: Each one of the periodic payments of an annuity.
Interval or payment period: Time that elapses between two consecutive payments
of an annuity.
Term of an annuity: Time that passes between the beginning of the first payment
period and the end of the last.
Amortization: Financial process of gradually paying off a current debt, through a
series of payments that may be the same or different.
Sinking Fund: Financial process by which the amount necessary to pay a debt in
the future is accumulated through a series of periodic payments that generate
interest.
Amortization table: Shows the payment schedule that a debtor must make to pay
off a loan.
Referencias Bibliográficas
https://www.bbva.mx/personas/faq/productos/tarjetas.html
https://www.inbursa.com/portal/?page=Document/doc_view_section.asp&id_
document=1036&id_category=48