CORPORACION UNIVERSITARIA

TRABAJO PRESENTA

STEVEN FOLIA
DUVAN SUAR

CARRERA
INGENIERIA DE SIS

SEMESTRE:
V

PRESENTADO

ANDREA BURBA
PORACION UNIVERSITARIA DEL CARIBE CECAR

TRABAJO PRESENTADO POR:

STEVEN FOLIACO
DUVAN SUAREZ

CARRERA
INGENIERIA DE SISTEMAS

SEMESTRE:
V

PRESENTADO A:

ANDREA BURBANO
A $ 12,000.00
n 1 año 12 meses
i 3% mensual
Vf ?

0 1 2 3 4 5

12000 12000 12000 12000 12000

$ 16,610.81 $ 16,127.00 $ 15,657.28 $ 15,201.24 $ 14,758.49

Ecuación valor $ 170,304.35

Formula $ 170,304.35 FUNCION $ 170,304.35

 6 7 8 9 10 11 12

12000 12000 12000 12000 12000 12000 12000

$ 14,328.63 $ 13,911.29 $ 13,506.11 $ 13,112.72 $ 12,730.80 $ 12,360.00 $ 12,000.00

Tabla

No
0
1
2
3
4
5
6
7
8
9
10
11
12
 i 0.03

cuota interes abono saldo

$ -
12000 $ - $ 12,000 $ 12,000
12000 $ 360 $ 12,360 $ 24,360
12000 $ 731 $ 12,731 $ 37,091
12000 $ 1,113 $ 13,113 $ 50,204
12000 $ 1,506 $ 13,506 $ 63,710
12000 $ 1,911 $ 13,911 $ 77,621
12000 $ 2,329 $ 14,329 $ 91,950
12000 $ 2,758 $ 14,758 $ 106,708
12000 $ 3,201 $ 15,201 $ 121,909
12000 $ 3,657 $ 15,657 $ 137,567
12000 $ 4,127 $ 16,127 $ 153,694
12000 $ 4,611 $ 16,611 $ 170,304
EJEMPLO 5.13
Una deuda de $ 1.000.000 se debe cancelar con cuotas mensuales iguales de $ 100.000 cada una. Si la tasa de interés cobrada

Vp $ 1,000,000.00
A $ 100,000.00
J 36% capitalizable mensualmente i 0.03

0 1 2 3

$100,000.00 $100,000.00 $100,000.00

Formula 12 FUNCION 12
i la tasa de interés cobrada es del 36% capitalizable mensualmente, ¿con cuántos pagos se cancela la deuda?

n= logA-log(a-(p*i))
log (1+i)

mensual

$100,000.00

Tabla i
No cuota interes
0 0 0
1 100000 $ 30,000
2 100000 $ 27,900
3 100000 $ 25,737
4 100000 $ 23,509
5 100000 $ 21,214
6 100000 $ 18,851
7 100000 $ 16,416
8 100000 $ 13,909
9 100000 $ 11,326
10 100000 $ 8,666
11 100000 $ 5,926
12 100000 $ 3,104
 0.03
abono saldo
0 $ 1,000,000
$ 70,000 $ 930,000
$ 72,100 $ 857,900
$ 74,263 $ 783,637
$ 76,491 $ 707,146
$ 78,786 $ 628,360
$ 81,149 $ 547,211
$ 83,584 $ 463,628
$ 86,091 $ 377,536
$ 88,674 $ 288,863
$ 91,334 $ 197,528
$ 94,074 $ 103,454
$ 96,896 $ 6,558
 mes 1 2 3 4
i 0.01 0.012 0.008 0.015

VP
0 1 2 3 4 5
200 200 200 200

vp = 198.019802 195.671741 194.118791 191.25004

vp = 779.060374
 5,000,000

0 1 2 3 4
ff

A A A

Ecuación valor VA= A[(1+i)^n-1/i(1+i)^n]

5,000,000 = 50.000[(1+0,03)^18-1/0,03(1+0,03)^18]
5,000,000 = 687675.653972862
5,000,000 -687675.65397 -0.83748425668 = 0.837484256683654
4,312,324 = 1.53886413687663
x = $ 2,802,276.96
Formula

5000000 $ 687,675.65 + 0.83748426 x

$ 4,312,324.35 = 1.538864136877 x
x = $ 2,802,277.50
 VA $ 5,000,000.00
n 18 meses
i 0.03 mensual
A $ 50,000.00

5 6 7 8 9 10 11 12

50,000
x x

extra
+ x/(1+i)^n + x/(1+i)^n Tabla
+ x/(1+0,03)^6 + x/(1+0,03)^12 no.
+ 0.83748426 x + 0.701379880193 x 0
+ 0.70137988 x 1
x 2
3
4
5
+ 0.70137988 x 6
7
8
9
10
11
12
13
14
15
16
17
18
 13 14 15 16 17 18 meses

$ 2,802,277.50

cuota interes abono saldo

$ 5,000,000.00
$ 50,000.00 $ 150,000.00 -$ 100,000.00 $ 5,100,000.00
$ 50,000.00 $ 153,000.00 -$ 103,000.00 $ 5,203,000.00
$ 50,000.00 $ 156,090.00 -$ 106,090.00 $ 5,309,090.00
$ 50,000.00 $ 159,272.70 -$ 109,272.70 $ 5,418,362.70
$ 50,000.00 $ 162,550.88 -$ 112,550.88 $ 5,530,913.58
$ 2,852,277.50 $ 165,927.41 $ 2,686,350.09 $ 2,844,563.49
$ 50,000.00 $ 85,336.90 -$ 35,336.90 $ 2,879,900.39
$ 50,000.00 $ 86,397.01 -$ 36,397.01 $ 2,916,297.41
$ 50,000.00 $ 87,488.92 -$ 37,488.92 $ 2,953,786.33
$ 50,000.00 $ 88,613.59 -$ 38,613.59 $ 2,992,399.92
$ 50,000.00 $ 89,772.00 -$ 39,772.00 $ 3,032,171.91
$ 2,852,277.50 $ 90,965.16 $ 2,761,312.34 $ 270,859.57
$ 50,000.00 $ 8,125.79 $ 41,874.21 $ 228,985.36
$ 50,000.00 $ 6,869.56 $ 43,130.44 $ 185,854.92
$ 50,000.00 $ 5,575.65 $ 44,424.35 $ 141,430.57
$ 50,000.00 $ 4,242.92 $ 45,757.08 $ 95,673.48
$ 50,000.00 $ 2,870.20 $ 47,129.80 $ 48,543.69
$ 50,000.00 $ 1,456.31 $ 48,543.69 $ 0.00
 0 1 2 3
200000 200000 200000

Vf = $ 6,084,372.49

(((1+𝑖)^24)−1)/
FORMULA $ 6,084,372.49 = $ 200,000.00

sustituyendo el valor de i por el que propone el enunciado

i
1.8495% $ 6,084,372.49 = $ 5,973,885.53
$ 6,084,372.49 ≈ $ 6,084,371.95
 i 2% mensual
A $ 200,000.00
n 24 meses

24

(((1+𝑖)^24)−1)/𝑖
* (1+i)

(((1+𝑖)^24)−1)/𝑖
$ 29.87

* 1.02
 ff
0 1 2 3 4 5

$500,000 $185,500 $185,500 $185,500 $185,500 $185,500

$ 180,975.61 $ 176,561.57 $ 172,255.19 $ 168,053.84 $ 163,954.97

$ 1,902,815.33
ECUACION DE VALOR $ 2,402,815.33

FORMULA $ 2,402,815.33 FUNCION

 cuota = $ 185,500.00
n= 12
i 2.5%
cuota inicial = $ 500,000.00

6 7 8 9 10 11

$185,500 $185,500 $185,500 $185,500 $185,500 $185,500

$ 159,956.07 $ 156,054.70 $ 152,248.49 $ 148,535.11 $ 144,912.30 $ 141,377.86

$ 1,902,815.33 TABLA
$ 2,402,815.33 no cuota
0 $ 500,000.00
1 $ 185,500.00
2 $ 185,500.00
3 $ 185,500.00
4 $ 185,500.00
5 $ 185,500.00
6 $ 185,500.00
7 $ 185,500.00
8 $ 185,500.00
9 $ 185,500.00
10 $ 185,500.00
11 $ 185,500.00
12 $ 185,500.00
 12

$185,500

$ 137,929.62

$ 2,402,815.33
interes abono saldo
$ 1,902,815.33
$ 47,570.38 $ 137,929.62 $ 1,764,885.71
$ 44,122.14 $ 141,377.86 $ 1,623,507.86
$ 40,587.70 $ 144,912.30 $ 1,478,595.55
$ 36,964.89 $ 148,535.11 $ 1,330,060.44
$ 33,251.51 $ 152,248.49 $ 1,177,811.95
$ 29,445.30 $ 156,054.70 $ 1,021,757.25
$ 25,543.93 $ 159,956.07 $ 861,801.18
$ 21,545.03 $ 163,954.97 $ 697,846.21
$ 17,446.16 $ 168,053.84 $ 529,792.37
$ 13,244.81 $ 172,255.19 $ 357,537.18
$ 8,938.43 $ 176,561.57 $ 180,975.61
$ 4,524.39 $ 180,975.61 -$ 0.00