1 .

Alicia toma en arriendo una oficina durante un año,

mediante un contrato que fija pagos de $2.500.000,00
mensuales al principio de cada mes. Si el interés es del
12,0% EA, ¿Cuál será el pago único al finalizar el año
que debe realizar Alicia?

A= $ 2,500,000.00
n(meses)= 12
i.E.A= 12%
i(mes)= 0.0094887929346
F= $ 31,916,244.77

n Meses interes cuota saldo

0 3-Mar-23 0.0 $ 2,500,000.00 $ 2,500,000.00
1 3-Apr-23 $ 23,721.98 $ 2,500,000.00 $ 5,023,721.98
2 3-May-23 $ 47,669.06 $ 2,500,000.00 $ 7,571,391.04
3 3-Jun-23 $ 71,843.36 $ 2,500,000.00 $ 10,143,234.40
4 3-Jul-23 $ 96,247.05 $ 2,500,000.00 $ 12,739,481.45
5 3-Aug-23 $ 120,882.30 $ 2,500,000.00 $ 15,360,363.75
6 3-Sep-23 $ 145,751.31 $ 2,500,000.00 $ 18,006,115.07
7 3-Oct-23 $ 170,856.30 $ 2,500,000.00 $ 20,676,971.36
8 3-Nov-23 $ 196,199.50 $ 2,500,000.00 $ 23,373,170.86
9 3-Dec-23 $ 221,783.18 $ 2,500,000.00 $ 26,094,954.04
10 3-Jan-24 $ 247,609.62 $ 2,500,000.00 $ 28,842,563.66
11 3-Feb-24 $ 273,681.11 $ 2,500,000.00 $ 31,616,244.77
12 3-Mar-24 $ 300,000.00 $ 31,916,244.77
 2. Una bodega se arrienda durante dos años, mediante
un contrato que fija pagos de $3.700.000,00 al principio
de cada mes. Si el interés es del 14,5% efectivo anual,
¿Cuál será el pago único al inicio del contrato que cubre
todo el arriendo de todos los dos años?

A= $ 3,700,000.00
n(meses)= 24
i.E.A= 14.50%
i(mes)= 0.0113476210381
P= $ 77,353,723.84

n interes cuota saldo

0 $ 877,780.74 $ 3,700,000.00 $ 78,231,504.59
1 0 $ 3,700,000.00 0
2 0 $ 3,700,000.00 0
3 0 $ 3,700,000.00 0
4 0 $ 3,700,000.00 0
5 0 $ 3,700,000.00 0
6 0 $ 3,700,000.00 0
7 0 $ 3,700,000.00 0
8 0 $ 3,700,000.00 0
9 0 $ 3,700,000.00 0
10 0 $ 3,700,000.00 0
11 0 $ 3,700,000.00 0
12 0 $ 3,700,000.00 0
13 0 $ 3,700,000.00 0
14 0 $ 3,700,000.00 0
15 0 $ 3,700,000.00 0
16 0 $ 3,700,000.00 0
17 0 $ 3,700,000.00 0
18 0 $ 3,700,000.00 0
19 0 $ 3,700,000.00 0
20 0 $ 3,700,000.00 0
21 0 $ 3,700,000.00 0
22 0 $ 3,700,000.00 0
23 0 $ 3,700,000.00 0
24 0 $ 3,700,000.00 0
 Valor casa = $ 174,000,000.00
Cuota inicial = $ 34,800,000.00
Interés EA = 12.50%
Interés mes = 0.98636%

Primer momento
Plazo (meses) = 12 Cuota mes = $ 3,089,273.43
n Fecha Intereses Cuota Saldo
0 20 Feb 2023 $ 0.00 $ 0.00 $ 34,800,000.00
1 20 Mar 2023 $ 343,252.60 $ 3,089,273.43 $ 32,053,979.17
2 20 Apr 2023 $ 316,167.01 $ 3,089,273.43 $ 29,280,872.75
3 20 May 2023 $ 288,814.25 $ 3,089,273.43 $ 26,480,413.57
4 20 Jun 2023 $ 261,191.69 $ 3,089,273.43 $ 23,652,331.83
5 20 Jul 2023 $ 233,296.68 $ 3,089,273.43 $ 20,796,355.08
6 20 Aug 2023 $ 205,126.52 $ 3,089,273.43 $ 17,912,208.18
7 20 Sep 2023 $ 176,678.51 $ 3,089,273.43 $ 14,999,613.26
8 20 Oct 2023 $ 147,949.89 $ 3,089,273.43 $ 12,058,289.72
9 20 Nov 2023 $ 118,937.91 $ 3,089,273.43 $ 9,087,954.20
10 20 Dec 2023 $ 89,639.77 $ 3,089,273.43 $ 6,088,320.54
11 20 Jan 2024 $ 60,052.64 $ 3,089,273.43 $ 3,059,099.75
12 20 Feb 2024 $ 30,173.68 $ 3,089,273.43 -$ 0.00
 Valor casa = $ 174,000,000.00 Interés EA = 12.50%
Cuota inicial = $ 34,800,000.00 Interés mes = 0.98636%
Deuda = $ 139,200,000.00

Segundo momento
Plazo (meses) = 180 Cuota mes = $ 1,656,001.60
n Fecha Intereses Cuota
0 13 20 Mar 2024 $ 0.00 $ 0.00
1 14 20 Apr 2024 $ 1,373,010.41 $ 1,656,001.60
2 15 20 May 2024 $ 1,370,219.11 $ 1,656,001.60
3 16 20 Jun 2024 $ 1,367,400.27 $ 1,656,001.60
4 17 20 Jul 2024 $ 1,364,553.63 $ 1,656,001.60
5 18 20 Aug 2024 $ 1,361,678.90 $ 1,656,001.60
6 19 20 Sep 2024 $ 1,358,775.83 $ 1,656,001.60
7 20 20 Oct 2024 $ 1,355,844.12 $ 1,656,001.60
8 21 20 Nov 2024 $ 1,352,883.49 $ 1,656,001.60
9 22 20 Dec 2024 $ 1,349,893.66 $ 1,656,001.60
10 23 20 Jan 2025 $ 1,346,874.34 $ 1,656,001.60
11 24 20 Feb 2025 $ 1,343,825.24 $ 1,656,001.60
12 25 20 Mar 2025 $ 1,340,746.06 $ 1,656,001.60
13 26 20 Apr 2025 $ 1,337,636.51 $ 1,656,001.60
14 27 20 May 2025 $ 1,334,496.29 $ 1,656,001.60
15 28 20 Jun 2025 $ 1,331,325.10 $ 1,656,001.60
16 29 20 Jul 2025 $ 1,328,122.63 $ 1,656,001.60
17 30 20 Aug 2025 $ 1,324,888.57 $ 1,656,001.60
18 31 20 Sep 2025 $ 1,321,622.61 $ 1,656,001.60
19 32 20 Oct 2025 $ 1,318,324.43 $ 1,656,001.60
20 33 20 Nov 2025 $ 1,314,993.73 $ 1,656,001.60
21 34 20 Dec 2025 $ 1,311,630.17 $ 1,656,001.60
22 35 20 Jan 2026 $ 1,308,233.43 $ 1,656,001.60
23 36 20 Feb 2026 $ 1,304,803.19 $ 1,656,001.60
24 37 20 Mar 2026 $ 1,301,339.12 $ 1,656,001.60
25 38 20 Apr 2026 $ 1,297,840.88 $ 1,656,001.60
26 39 20 May 2026 $ 1,294,308.13 $ 1,656,001.60
27 40 20 Jun 2026 $ 1,290,740.54 $ 1,656,001.60
28 41 20 Jul 2026 $ 1,287,137.76 $ 1,656,001.60
29 42 20 Aug 2026 $ 1,283,499.44 $ 1,656,001.60
30 43 20 Sep 2026 $ 1,279,825.23 $ 1,656,001.60
31 44 20 Oct 2026 $ 1,276,114.79 $ 1,656,001.60
32 45 20 Nov 2026 $ 1,272,367.74 $ 1,656,001.60
33 46 20 Dec 2026 $ 1,268,583.74 $ 1,656,001.60
34 47 20 Jan 2027 $ 1,264,762.41 $ 1,656,001.60
35 48 20 Feb 2027 $ 1,260,903.39 $ 1,656,001.60
36 49 20 Mar 2027 $ 1,257,006.31 $ 1,656,001.60
37 50 20 Apr 2027 $ 1,253,070.79 $ 1,656,001.60
38 51 20 May 2027 $ 1,249,096.45 $ 1,656,001.60
39 52 20 Jun 2027 $ 1,245,082.90 $ 1,656,001.60
40 53 20 Jul 2027 $ 1,241,029.78 $ 1,656,001.60
41 54 20 Aug 2027 $ 1,236,936.67 $ 1,656,001.60
42 55 20 Sep 2027 $ 1,232,803.19 $ 1,656,001.60
43 56 20 Oct 2027 $ 1,228,628.93 $ 1,656,001.60
44 57 20 Nov 2027 $ 1,224,413.51 $ 1,656,001.60
45 58 20 Dec 2027 $ 1,220,156.51 $ 1,656,001.60
46 59 20 Jan 2028 $ 1,215,857.51 $ 1,656,001.60
47 60 20 Feb 2028 $ 1,211,516.12 $ 1,656,001.60
48 61 20 Mar 2028 $ 1,207,131.90 $ 1,656,001.60
49 62 20 Apr 2028 $ 1,202,704.44 $ 1,656,001.60
50 63 20 May 2028 $ 1,198,233.30 $ 1,656,001.60
51 64 20 Jun 2028 $ 1,193,718.07 $ 1,656,001.60
52 65 20 Jul 2028 $ 1,189,158.30 $ 1,656,001.60
53 66 20 Aug 2028 $ 1,184,553.55 $ 1,656,001.60
54 67 20 Sep 2028 $ 1,179,903.38 $ 1,656,001.60
55 68 20 Oct 2028 $ 1,175,207.35 $ 1,656,001.60
56 69 20 Nov 2028 $ 1,170,465.00 $ 1,656,001.60
57 70 20 Dec 2028 $ 1,165,675.87 $ 1,656,001.60
58 71 20 Jan 2029 $ 1,160,839.50 $ 1,656,001.60
59 72 20 Feb 2029 $ 1,155,955.43 $ 1,656,001.60
60 73 20 Mar 2029 $ 1,151,023.18 $ 1,656,001.60
61 74 20 Apr 2029 $ 1,146,042.29 $ 1,656,001.60
62 75 20 May 2029 $ 1,141,012.26 $ 1,656,001.60
63 76 20 Jun 2029 $ 1,135,932.63 $ 1,656,001.60
64 77 20 Jul 2029 $ 1,130,802.88 $ 1,656,001.60
65 78 20 Aug 2029 $ 1,125,622.54 $ 1,656,001.60
66 79 20 Sep 2029 $ 1,120,391.11 $ 1,656,001.60
67 80 20 Oct 2029 $ 1,115,108.07 $ 1,656,001.60
68 81 20 Nov 2029 $ 1,109,772.92 $ 1,656,001.60
69 82 20 Dec 2029 $ 1,104,385.15 $ 1,656,001.60
70 83 20 Jan 2030 $ 1,098,944.24 $ 1,656,001.60
71 84 20 Feb 2030 $ 1,093,449.66 $ 1,656,001.60
72 85 20 Mar 2030 $ 1,087,900.88 $ 1,656,001.60
73 86 20 Apr 2030 $ 1,082,297.37 $ 1,656,001.60
74 87 20 May 2030 $ 1,076,638.60 $ 1,656,001.60
75 88 20 Jun 2030 $ 1,070,924.00 $ 1,656,001.60
76 89 20 Jul 2030 $ 1,065,153.04 $ 1,656,001.60
77 90 20 Aug 2030 $ 1,059,325.16 $ 1,656,001.60
78 91 20 Sep 2030 $ 1,053,439.79 $ 1,656,001.60
79 92 20 Oct 2030 $ 1,047,496.38 $ 1,656,001.60
80 93 20 Nov 2030 $ 1,041,494.34 $ 1,656,001.60
81 94 20 Dec 2030 $ 1,035,433.10 $ 1,656,001.60
82 95 20 Jan 2031 $ 1,029,312.07 $ 1,656,001.60
83 96 20 Feb 2031 $ 1,023,130.67 $ 1,656,001.60
84 97 20 Mar 2031 $ 1,016,888.29 $ 1,656,001.60
85 98 20 Apr 2031 $ 1,010,584.35 $ 1,656,001.60
86 99 20 May 2031 $ 1,004,218.22 $ 1,656,001.60
87 100 20 Jun 2031 $ 997,789.30 $ 1,656,001.60
 88 101 20 Jul 2031 $ 991,296.97 $ 1,656,001.60
89 102 20 Aug 2031 $ 984,740.61 $ 1,656,001.60
90 103 20 Sep 2031 $ 978,119.57 $ 1,656,001.60
91 104 20 Oct 2031 $ 971,433.22 $ 1,656,001.60
92 105 20 Nov 2031 $ 964,680.93 $ 1,656,001.60
93 106 20 Dec 2031 $ 957,862.03 $ 1,656,001.60
94 107 20 Jan 2032 $ 950,975.88 $ 1,656,001.60
95 108 20 Feb 2032 $ 944,021.80 $ 1,656,001.60
96 109 20 Mar 2032 $ 936,999.13 $ 1,656,001.60
97 110 20 Apr 2032 $ 929,907.19 $ 1,656,001.60
98 111 20 May 2032 $ 922,745.30 $ 1,656,001.60
99 112 20 Jun 2032 $ 915,512.77 $ 1,656,001.60
100 113 20 Jul 2032 $ 908,208.89 $ 1,656,001.60
101 114 20 Aug 2032 $ 900,832.98 $ 1,656,001.60
102 115 20 Sep 2032 $ 893,384.31 $ 1,656,001.60
103 116 20 Oct 2032 $ 885,862.18 $ 1,656,001.60
104 117 20 Nov 2032 $ 878,265.85 $ 1,656,001.60
105 118 20 Dec 2032 $ 870,594.59 $ 1,656,001.60
106 119 20 Jan 2033 $ 862,847.66 $ 1,656,001.60
107 120 20 Feb 2033 $ 855,024.32 $ 1,656,001.60
108 121 20 Mar 2033 $ 847,123.82 $ 1,656,001.60
109 122 20 Apr 2033 $ 839,145.39 $ 1,656,001.60
110 123 20 May 2033 $ 831,088.26 $ 1,656,001.60
111 124 20 Jun 2033 $ 822,951.66 $ 1,656,001.60
112 125 20 Jul 2033 $ 814,734.81 $ 1,656,001.60
113 126 20 Aug 2033 $ 806,436.90 $ 1,656,001.60
114 127 20 Sep 2033 $ 798,057.15 $ 1,656,001.60
115 128 20 Oct 2033 $ 789,594.75 $ 1,656,001.60
116 129 20 Nov 2033 $ 781,048.88 $ 1,656,001.60
117 130 20 Dec 2033 $ 772,418.71 $ 1,656,001.60
118 131 20 Jan 2034 $ 763,703.42 $ 1,656,001.60
119 132 20 Feb 2034 $ 754,902.16 $ 1,656,001.60
120 133 20 Mar 2034 $ 746,014.10 $ 1,656,001.60
121 134 20 Apr 2034 $ 737,038.36 $ 1,656,001.60
122 135 20 May 2034 $ 727,974.09 $ 1,656,001.60
123 136 20 Jun 2034 $ 718,820.42 $ 1,656,001.60
124 137 20 Jul 2034 $ 709,576.46 $ 1,656,001.60
125 138 20 Aug 2034 $ 700,241.32 $ 1,656,001.60
126 139 20 Sep 2034 $ 690,814.10 $ 1,656,001.60
127 140 20 Oct 2034 $ 681,293.89 $ 1,656,001.60
128 141 20 Nov 2034 $ 671,679.78 $ 1,656,001.60
129 142 20 Dec 2034 $ 661,970.85 $ 1,656,001.60
130 143 20 Jan 2035 $ 652,166.14 $ 1,656,001.60
131 144 20 Feb 2035 $ 642,264.73 $ 1,656,001.60
132 145 20 Mar 2035 $ 632,265.66 $ 1,656,001.60
133 146 20 Apr 2035 $ 622,167.96 $ 1,656,001.60
134 147 20 May 2035 $ 611,970.65 $ 1,656,001.60
135 148 20 Jun 2035 $ 601,672.77 $ 1,656,001.60
136 149 20 Jul 2035 $ 591,273.31 $ 1,656,001.60
137 150 20 Aug 2035 $ 580,771.28 $ 1,656,001.60
138 151 20 Sep 2035 $ 570,165.66 $ 1,656,001.60
139 152 20 Oct 2035 $ 559,455.43 $ 1,656,001.60
140 153 20 Nov 2035 $ 548,639.56 $ 1,656,001.60
141 154 20 Dec 2035 $ 537,717.00 $ 1,656,001.60
142 155 20 Jan 2036 $ 526,686.71 $ 1,656,001.60
143 156 20 Feb 2036 $ 515,547.62 $ 1,656,001.60
144 157 20 Mar 2036 $ 504,298.66 $ 1,656,001.60
145 158 20 Apr 2036 $ 492,938.75 $ 1,656,001.60
146 159 20 May 2036 $ 481,466.78 $ 1,656,001.60
147 160 20 Jun 2036 $ 469,881.67 $ 1,656,001.60
148 161 20 Jul 2036 $ 458,182.28 $ 1,656,001.60
149 162 20 Aug 2036 $ 446,367.49 $ 1,656,001.60
150 163 20 Sep 2036 $ 434,436.17 $ 1,656,001.60
151 164 20 Oct 2036 $ 422,387.16 $ 1,656,001.60
152 165 20 Nov 2036 $ 410,219.30 $ 1,656,001.60
153 166 20 Dec 2036 $ 397,931.43 $ 1,656,001.60
154 167 20 Jan 2037 $ 385,522.35 $ 1,656,001.60
155 168 20 Feb 2037 $ 372,990.88 $ 1,656,001.60
156 169 20 Mar 2037 $ 360,335.80 $ 1,656,001.60
157 170 20 Apr 2037 $ 347,555.89 $ 1,656,001.60
158 171 20 May 2037 $ 334,649.93 $ 1,656,001.60
159 172 20 Jun 2037 $ 321,616.67 $ 1,656,001.60
160 173 20 Jul 2037 $ 308,454.86 $ 1,656,001.60
161 174 20 Aug 2037 $ 295,163.22 $ 1,656,001.60
162 175 20 Sep 2037 $ 281,740.49 $ 1,656,001.60
163 176 20 Oct 2037 $ 268,185.35 $ 1,656,001.60
164 177 20 Nov 2037 $ 254,496.51 $ 1,656,001.60
165 178 20 Dec 2037 $ 240,672.65 $ 1,656,001.60
166 179 20 Jan 2038 $ 226,712.44 $ 1,656,001.60
167 180 20 Feb 2038 $ 212,614.53 $ 1,656,001.60
168 181 20 Mar 2038 $ 198,377.57 $ 1,656,001.60
169 182 20 Apr 2038 $ 184,000.18 $ 1,656,001.60
170 183 20 May 2038 $ 169,480.97 $ 1,656,001.60
171 184 20 Jun 2038 $ 154,818.56 $ 1,656,001.60
172 185 20 Jul 2038 $ 140,011.52 $ 1,656,001.60
173 186 20 Aug 2038 $ 125,058.43 $ 1,656,001.60
174 187 20 Sep 2038 $ 109,957.85 $ 1,656,001.60
175 188 20 Oct 2038 $ 94,708.32 $ 1,656,001.60
176 189 20 Nov 2038 $ 79,308.38 $ 1,656,001.60
177 190 20 Dec 2038 $ 63,756.54 $ 1,656,001.60
178 191 20 Jan 2039 $ 48,051.30 $ 1,656,001.60
179 192 20 Feb 2039 $ 32,191.15 $ 1,656,001.60
180 193 20 Mar 2039 $ 16,174.57 $ 1,656,001.60
 0 20 Feb 2023 $ 174,000,000
1 20 Mar 2023 -$ 3,089,273.43
2 20 Apr 2023 -$ 3,089,273.43
3 20 May 2023 -$ 3,089,273.43
Saldo 4 20 Jun 2023 -$ 3,089,273.43
$ 139,200,000.00 5 20 Jul 2023 -$ 3,089,273.43
$ 138,917,008.81 6 20 Aug 2023 -$ 3,089,273.43
$ 138,631,226.31 7 20 Sep 2023 -$ 3,089,273.43
$ 138,342,624.98 8 20 Oct 2023 -$ 3,089,273.43
$ 138,051,177.00 9 20 Nov 2023 -$ 3,089,273.43
$ 137,756,854.30 10 20 Dec 2023 -$ 3,089,273.43
$ 137,459,628.53 11 20 Jan 2024 -$ 3,089,273.43
$ 137,159,471.04 12 20 Feb 2024 -$ 3,089,273.43
$ 136,856,352.93 13 20 Mar 2024 -$ 1,656,001.60
$ 136,550,244.99 14 20 Apr 2024 -$ 1,656,001.60
$ 136,241,117.72 15 20 May 2024 -$ 1,656,001.60
$ 135,928,941.36 16 20 Jun 2024 -$ 1,656,001.60
$ 135,613,685.82 17 20 Jul 2024 -$ 1,656,001.60
$ 135,295,320.73 18 20 Aug 2024 -$ 1,656,001.60
$ 134,973,815.42 19 20 Sep 2024 -$ 1,656,001.60
$ 134,649,138.92 20 20 Oct 2024 -$ 1,656,001.60
$ 134,321,259.94 21 20 Nov 2024 -$ 1,656,001.60
$ 133,990,146.91 22 20 Dec 2024 -$ 1,656,001.60
$ 133,655,767.91 23 20 Jan 2025 -$ 1,656,001.60
$ 133,318,090.74 24 20 Feb 2025 -$ 1,656,001.60
$ 132,977,082.86 25 20 Mar 2025 -$ 1,656,001.60
$ 132,632,711.43 26 20 Apr 2025 -$ 1,656,001.60
$ 132,284,943.26 27 20 May 2025 -$ 1,656,001.60
$ 131,933,744.85 28 20 Jun 2025 -$ 1,656,001.60
$ 131,579,082.36 29 20 Jul 2025 -$ 1,656,001.60
$ 131,220,921.64 30 20 Aug 2025 -$ 1,656,001.60
$ 130,859,228.17 31 20 Sep 2025 -$ 1,656,001.60
$ 130,493,967.10 32 20 Oct 2025 -$ 1,656,001.60
$ 130,125,103.25 33 20 Nov 2025 -$ 1,656,001.60
$ 129,752,601.09 34 20 Dec 2025 -$ 1,656,001.60
$ 129,376,424.72 35 20 Jan 2026 -$ 1,656,001.60
$ 128,996,537.90 36 20 Feb 2026 -$ 1,656,001.60
$ 128,612,904.04 37 20 Mar 2026 -$ 1,656,001.60
$ 128,225,486.17 38 20 Apr 2026 -$ 1,656,001.60
$ 127,834,246.98 39 20 May 2026 -$ 1,656,001.60
$ 127,439,148.77 40 20 Jun 2026 -$ 1,656,001.60
$ 127,040,153.48 41 20 Jul 2026 -$ 1,656,001.60
$ 126,637,222.66 42 20 Aug 2026 -$ 1,656,001.60
$ 126,230,317.50 43 20 Sep 2026 -$ 1,656,001.60
$ 125,819,398.81 44 20 Oct 2026 -$ 1,656,001.60
$ 125,404,426.98 45 20 Nov 2026 -$ 1,656,001.60
$ 124,985,362.04 46 20 Dec 2026 -$ 1,656,001.60
$ 124,562,163.62 47 20 Jan 2027 -$ 1,656,001.60
$ 124,134,790.95 48 20 Feb 2027 -$ 1,656,001.60
$ 123,703,202.86 49 20 Mar 2027 -$ 1,656,001.60
$ 123,267,357.76 50 20 Apr 2027 -$ 1,656,001.60
$ 122,827,213.67 51 20 May 2027 -$ 1,656,001.60
$ 122,382,728.19 52 20 Jun 2027 -$ 1,656,001.60
$ 121,933,858.48 53 20 Jul 2027 -$ 1,656,001.60
$ 121,480,561.31 54 20 Aug 2027 -$ 1,656,001.60
$ 121,022,793.01 55 20 Sep 2027 -$ 1,656,001.60
$ 120,560,509.47 56 20 Oct 2027 -$ 1,656,001.60
$ 120,093,666.17 57 20 Nov 2027 -$ 1,656,001.60
$ 119,622,218.11 58 20 Dec 2027 -$ 1,656,001.60
$ 119,146,119.89 59 20 Jan 2028 -$ 1,656,001.60
$ 118,665,325.64 60 20 Feb 2028 -$ 1,656,001.60
$ 118,179,789.04 61 20 Mar 2028 -$ 1,656,001.60
$ 117,689,463.30 62 20 Apr 2028 -$ 1,656,001.60
$ 117,194,301.20 63 20 May 2028 -$ 1,656,001.60
$ 116,694,255.03 64 20 Jun 2028 -$ 1,656,001.60
$ 116,189,276.61 65 20 Jul 2028 -$ 1,656,001.60
$ 115,679,317.29 66 20 Aug 2028 -$ 1,656,001.60
$ 115,164,327.95 67 20 Sep 2028 -$ 1,656,001.60
$ 114,644,258.98 68 20 Oct 2028 -$ 1,656,001.60
$ 114,119,060.26 69 20 Nov 2028 -$ 1,656,001.60
$ 113,588,681.20 70 20 Dec 2028 -$ 1,656,001.60
$ 113,053,070.70 71 20 Jan 2029 -$ 1,656,001.60
$ 112,512,177.17 72 20 Feb 2029 -$ 1,656,001.60
$ 111,965,948.48 73 20 Mar 2029 -$ 1,656,001.60
$ 111,414,332.03 74 20 Apr 2029 -$ 1,656,001.60
$ 110,857,274.67 75 20 May 2029 -$ 1,656,001.60
$ 110,294,722.72 76 20 Jun 2029 -$ 1,656,001.60
$ 109,726,622.00 77 20 Jul 2029 -$ 1,656,001.60
$ 109,152,917.77 78 20 Aug 2029 -$ 1,656,001.60
$ 108,573,554.77 79 20 Sep 2029 -$ 1,656,001.60
$ 107,988,477.17 80 20 Oct 2029 -$ 1,656,001.60
$ 107,397,628.61 81 20 Nov 2029 -$ 1,656,001.60
$ 106,800,952.16 82 20 Dec 2029 -$ 1,656,001.60
$ 106,198,390.36 83 20 Jan 2030 -$ 1,656,001.60
$ 105,589,885.13 84 20 Feb 2030 -$ 1,656,001.60
$ 104,975,377.86 85 20 Mar 2030 -$ 1,656,001.60
$ 104,354,809.36 86 20 Apr 2030 -$ 1,656,001.60
$ 103,728,119.82 87 20 May 2030 -$ 1,656,001.60
$ 103,095,248.88 88 20 Jun 2030 -$ 1,656,001.60
$ 102,456,135.57 89 20 Jul 2030 -$ 1,656,001.60
$ 101,810,718.31 90 20 Aug 2030 -$ 1,656,001.60
$ 101,158,934.93 91 20 Sep 2030 -$ 1,656,001.60
$ 100,500,722.63 92 20 Oct 2030 -$ 1,656,001.60
$ 99,836,018.00 93 20 Nov 2030 -$ 1,656,001.60
$ 99,164,757.00 94 20 Dec 2030 -$ 1,656,001.60
$ 98,486,874.97 95 20 Jan 2031 -$ 1,656,001.60
$ 97,802,306.59 96 20 Feb 2031 -$ 1,656,001.60
$ 97,110,985.91 97 20 Mar 2031 -$ 1,656,001.60
$ 96,412,846.34 98 20 Apr 2031 -$ 1,656,001.60
$ 95,707,820.62 99 20 May 2031 -$ 1,656,001.60
$ 94,995,840.81 100 20 Jun 2031 -$ 1,656,001.60
$ 94,276,838.34 101 20 Jul 2031 -$ 1,656,001.60
$ 93,550,743.92 102 20 Aug 2031 -$ 1,656,001.60
$ 92,817,487.62 103 20 Sep 2031 -$ 1,656,001.60
$ 92,076,998.78 104 20 Oct 2031 -$ 1,656,001.60
$ 91,329,206.07 105 20 Nov 2031 -$ 1,656,001.60
$ 90,574,037.45 106 20 Dec 2031 -$ 1,656,001.60
$ 89,811,420.16 107 20 Jan 2032 -$ 1,656,001.60
$ 89,041,280.73 108 20 Feb 2032 -$ 1,656,001.60
$ 88,263,544.97 109 20 Mar 2032 -$ 1,656,001.60
$ 87,478,137.95 110 20 Apr 2032 -$ 1,656,001.60
$ 86,684,984.01 111 20 May 2032 -$ 1,656,001.60
$ 85,884,006.73 112 20 Jun 2032 -$ 1,656,001.60
$ 85,075,128.95 113 20 Jul 2032 -$ 1,656,001.60
$ 84,258,272.73 114 20 Aug 2032 -$ 1,656,001.60
$ 83,433,359.39 115 20 Sep 2032 -$ 1,656,001.60
$ 82,600,309.44 116 20 Oct 2032 -$ 1,656,001.60
$ 81,759,042.65 117 20 Nov 2032 -$ 1,656,001.60
$ 80,909,477.95 118 20 Dec 2032 -$ 1,656,001.60
$ 80,051,533.49 119 20 Jan 2033 -$ 1,656,001.60
$ 79,185,126.64 120 20 Feb 2033 -$ 1,656,001.60
$ 78,310,173.91 121 20 Mar 2033 -$ 1,656,001.60
$ 77,426,591.02 122 20 Apr 2033 -$ 1,656,001.60
$ 76,534,292.83 123 20 May 2033 -$ 1,656,001.60
$ 75,633,193.39 124 20 Jun 2033 -$ 1,656,001.60
$ 74,723,205.88 125 20 Jul 2033 -$ 1,656,001.60
$ 73,804,242.64 126 20 Aug 2033 -$ 1,656,001.60
$ 72,876,215.13 127 20 Sep 2033 -$ 1,656,001.60
$ 71,939,033.94 128 20 Oct 2033 -$ 1,656,001.60
$ 70,992,608.79 129 20 Nov 2033 -$ 1,656,001.60
$ 70,036,848.51 130 20 Dec 2033 -$ 1,656,001.60
$ 69,071,661.00 131 20 Jan 2034 -$ 1,656,001.60
$ 68,096,953.29 132 20 Feb 2034 -$ 1,656,001.60
$ 67,112,631.47 133 20 Mar 2034 -$ 1,656,001.60
$ 66,118,600.71 134 20 Apr 2034 -$ 1,656,001.60
$ 65,114,765.25 135 20 May 2034 -$ 1,656,001.60
$ 64,101,028.38 136 20 Jun 2034 -$ 1,656,001.60
$ 63,077,292.43 137 20 Jul 2034 -$ 1,656,001.60
$ 62,043,458.79 138 20 Aug 2034 -$ 1,656,001.60
$ 60,999,427.84 139 20 Sep 2034 -$ 1,656,001.60
$ 59,945,099.00 140 20 Oct 2034 -$ 1,656,001.60
$ 58,880,370.71 141 20 Nov 2034 -$ 1,656,001.60
$ 57,805,140.39 142 20 Dec 2034 -$ 1,656,001.60
$ 56,719,304.44 143 20 Jan 2035 -$ 1,656,001.60
$ 55,622,758.27 144 20 Feb 2035 -$ 1,656,001.60
$ 54,515,396.22 145 20 Mar 2035 -$ 1,656,001.60
$ 53,397,111.62 146 20 Apr 2035 -$ 1,656,001.60
$ 52,267,796.73 147 20 May 2035 -$ 1,656,001.60
$ 51,127,342.75 148 20 Jun 2035 -$ 1,656,001.60
$ 49,975,639.81 149 20 Jul 2035 -$ 1,656,001.60
$ 48,812,576.95 150 20 Aug 2035 -$ 1,656,001.60
$ 47,638,042.13 151 20 Sep 2035 -$ 1,656,001.60
$ 46,451,922.20 152 20 Oct 2035 -$ 1,656,001.60
$ 45,254,102.87 153 20 Nov 2035 -$ 1,656,001.60
$ 44,044,468.75 154 20 Dec 2035 -$ 1,656,001.60
$ 42,822,903.32 155 20 Jan 2036 -$ 1,656,001.60
$ 41,589,288.87 156 20 Feb 2036 -$ 1,656,001.60
$ 40,343,506.57 157 20 Mar 2036 -$ 1,656,001.60
$ 39,085,436.39 158 20 Apr 2036 -$ 1,656,001.60
$ 37,814,957.14 159 20 May 2036 -$ 1,656,001.60
$ 36,531,946.41 160 20 Jun 2036 -$ 1,656,001.60
$ 35,236,280.60 161 20 Jul 2036 -$ 1,656,001.60
$ 33,927,834.89 162 20 Aug 2036 -$ 1,656,001.60
$ 32,606,483.22 163 20 Sep 2036 -$ 1,656,001.60
$ 31,272,098.29 164 20 Oct 2036 -$ 1,656,001.60
$ 29,924,551.55 165 20 Nov 2036 -$ 1,656,001.60
$ 28,563,713.17 166 20 Dec 2036 -$ 1,656,001.60
$ 27,189,452.05 167 20 Jan 2037 -$ 1,656,001.60
$ 25,801,635.80 168 20 Feb 2037 -$ 1,656,001.60
$ 24,400,130.71 169 20 Mar 2037 -$ 1,656,001.60
$ 22,984,801.76 170 20 Apr 2037 -$ 1,656,001.60
$ 21,555,512.60 171 20 May 2037 -$ 1,656,001.60
$ 20,112,125.53 172 20 Jun 2037 -$ 1,656,001.60
$ 18,654,501.49 173 20 Jul 2037 -$ 1,656,001.60
$ 17,182,500.07 174 20 Aug 2037 -$ 1,656,001.60
$ 15,695,979.44 175 20 Sep 2037 -$ 1,656,001.60
$ 14,194,796.39 176 20 Oct 2037 -$ 1,656,001.60
$ 12,678,806.31 177 20 Nov 2037 -$ 1,656,001.60
$ 11,147,863.13 178 20 Dec 2037 -$ 1,656,001.60
$ 9,601,819.37 179 20 Jan 2038 -$ 1,656,001.60
$ 8,040,526.09 180 20 Feb 2038 -$ 1,656,001.60
$ 6,463,832.86 181 20 Mar 2038 -$ 1,656,001.60
$ 4,871,587.79 182 20 Apr 2038 -$ 1,656,001.60
$ 3,263,637.49 183 20 May 2038 -$ 1,656,001.60
$ 1,639,827.04 184 20 Jun 2038 -$ 1,656,001.60
-$ 0.00 185 20 Jul 2038 -$ 1,656,001.60
186 20 Aug 2038 -$ 1,656,001.60
187 20 Sep 2038 -$ 1,656,001.60
188 20 Oct 2038 -$ 1,656,001.60
189 20 Nov 2038 -$ 1,656,001.60
190 20 Dec 2038 -$ 1,656,001.60
191 20 Jan 2039 -$ 1,656,001.60
192 20 Feb 2039 -$ 1,656,001.60
193 20 Mar 2039 -$ 1,656,001.60
3. El precio de una casa de interés social sobre planos es
de $174.000.000,00. Para adquirirla se debe cancelar
una cuota inicial del 20%, en 12 pagos mensuales y el
resto en 180 pagos mensuales. Si el interés es del
12,5% EA, calcular (empleando cuotas vencidas):
a. El valor de la cuota durante el primer año.
b. El valor de la cuota a partir del segundo año.
 4. ¿Cuántos pagos mensuales anticipados de $320.000,00
se deben realizar para amortizar una deuda por
$7.000.000,00 si se paga un interés del 9,1% trimestral?

A= $ 320,000.00
p= $ 7,000,000.00
itm= 9.10%
i(mes)= 2.94570928%
n= 33.87097227626

n Cuotas Interes Deuda

1 0.00 0.00 $ 7,000,000.00
2 $ 320,000.00 $ 206,199.65 $ 6,886,199.65
3 $ 320,000.00 $ 202,847.42 $ 6,769,047.07
4 $ 320,000.00 $ 199,396.45 $ 6,648,443.52
5 $ 320,000.00 $ 195,843.82 $ 6,524,287.34
6 $ 320,000.00 $ 192,186.54 $ 6,396,473.88
7 $ 320,000.00 $ 188,421.52 $ 6,264,895.40
8 $ 320,000.00 $ 184,545.61 $ 6,129,441.01
9 $ 320,000.00 $ 180,555.51 $ 5,989,996.52
10 $ 320,000.00 $ 176,447.88 $ 5,846,444.40
11 $ 320,000.00 $ 172,219.26 $ 5,698,663.66
12 $ 320,000.00 $ 167,866.06 $ 5,546,529.72
13 $ 320,000.00 $ 163,384.64 $ 5,389,914.36
14 $ 320,000.00 $ 158,771.21 $ 5,228,685.57
15 $ 320,000.00 $ 154,021.88 $ 5,062,707.45
16 $ 320,000.00 $ 149,132.64 $ 4,891,840.09
17 $ 320,000.00 $ 144,099.39 $ 4,715,939.48
18 $ 320,000.00 $ 138,917.87 $ 4,534,857.35
19 $ 320,000.00 $ 133,583.71 $ 4,348,441.06
20 $ 320,000.00 $ 128,092.43 $ 4,156,533.49
21 $ 320,000.00 $ 122,439.39 $ 3,958,972.89
22 $ 320,000.00 $ 116,619.83 $ 3,755,592.72
23 $ 320,000.00 $ 110,628.84 $ 3,546,221.56
24 $ 320,000.00 $ 104,461.38 $ 3,330,682.94
25 $ 320,000.00 $ 98,112.24 $ 3,108,795.17
26 $ 320,000.00 $ 91,576.07 $ 2,880,371.24
27 $ 320,000.00 $ 84,847.36 $ 2,645,218.61
28 $ 320,000.00 $ 77,920.45 $ 2,403,139.06
29 $ 320,000.00 $ 70,789.49 $ 2,153,928.55
30 $ 320,000.00 $ 63,448.47 $ 1,897,377.02
31 $ 320,000.00 $ 55,891.21 $ 1,633,268.23
32 $ 320,000.00 $ 48,111.33 $ 1,361,379.56
33 $ 320,000.00 $ 40,102.28 $ 1,081,481.85
34 $ 320,000.00 $ 31,857.31 $ 793,339.16
35 $ 320,000.00 $ 23,369.47 $ 496,708.62
36 $ 320,000.00 $ 14,631.59 $ 191,340.22
37 $ 320,000.00 $ 5,636.33 -$ 123,023.46
 5. Hallar el número de pagos trimestrales anticipados de
$1.300.000,00 que debe realizarse para cancelar una
deuda de $26.000.000,00 a una tasa del 3,2% mensual.

A= $ 1,300,000.00
P= $ 26,000,000.00
i(mes)= 3.20%
itm= 0.099104768
NOTA: Nunca terminara de Pagar la deuda por
n= Err:502

n Cuotas Interes Deuda

0 $ 1,300,000.00 0.00 $ 24,700,000.00
1 $ 1,300,000.00 $ 2,447,887.77 $ 25,847,887.77
2 $ 1,300,000.00 $ 2,561,648.92 $ 28,409,536.69
3 $ 1,300,000.00 $ 2,815,520.54 $ 29,925,057.23
4 $ 1,300,000.00 $ 2,965,715.85 $ 31,590,773.09
5 $ 1,300,000.00 $ 3,130,796.24 $ 33,421,569.33
6 $ 1,300,000.00 $ 3,312,236.87 $ 35,433,806.20
7 $ 1,300,000.00 $ 3,511,659.14 $ 37,645,465.34
8 $ 1,300,000.00 $ 3,730,845.11 $ 40,076,310.45
9 $ 1,300,000.00 $ 3,971,753.45 $ 42,748,063.90
10 $ 1,300,000.00 $ 4,236,536.96 $ 45,684,600.86
11 $ 1,300,000.00 $ 4,527,561.77 $ 48,912,162.62
12 $ 1,300,000.00 $ 4,847,428.53 $ 52,459,591.15
13 $ 1,300,000.00 $ 5,198,995.61 $ 56,358,586.77
14 $ 1,300,000.00 $ 5,585,404.67 $ 60,643,991.43
15 $ 1,300,000.00 $ 6,010,108.70 $ 65,354,100.13
16 $ 1,300,000.00 $ 6,476,902.93 $ 70,531,003.06
17 $ 1,300,000.00 $ 6,989,958.70 $ 76,220,961.76
18 $ 1,300,000.00 $ 7,553,860.73 $ 82,474,822.49
19 $ 1,300,000.00 $ 8,173,648.15 $ 89,348,470.64
20 $ 1,300,000.00 $ 8,854,859.45 $ 96,903,330.09
21 $ 1,300,000.00 $ 9,603,582.05 $ 105,206,912.14
22 $ 1,300,000.00 $ 10,426,506.62 $ 114,333,418.76
23 $ 1,300,000.00 $ 11,330,986.94 $ 124,364,405.70
24 $ 1,300,000.00 $ 12,325,105.57 $ 135,389,511.28
25 $ 1,300,000.00 $ 13,417,746.10 $ 147,507,257.38
26 $ 1,300,000.00 $ 14,618,672.52 $ 160,825,929.90
27 $ 1,300,000.00 $ 15,938,616.47 $ 175,464,546.37
28 $ 1,300,000.00 $ 17,389,373.16 $ 191,553,919.54
29 $ 1,300,000.00 $ 18,983,906.76 $ 209,237,826.29
30 $ 1,300,000.00 $ 20,736,466.23 $ 228,674,292.52
31 $ 1,300,000.00 $ 22,662,712.71 $ 250,037,005.23
32 $ 1,300,000.00 $ 24,779,859.39 $ 273,516,864.62
33 $ 1,300,000.00 $ 27,106,825.41 $ 299,323,690.04
34 $ 1,300,000.00 $ 29,664,404.86 $ 327,688,094.89
35 $ 1,300,000.00 $ 32,475,452.62 $ 358,863,547.52
36 $ 1,300,000.00 $ 35,565,088.62 $ 393,128,636.14
37 $ 1,300,000.00 $ 38,960,922.28 $ 430,789,558.41
inara de Pagar la deuda porque el valor de los intereses son mayores al valor de la cuota
 6. Calcular la tasa mensual de una deuda de
$1.800.000,00 que se cancela mediante el pago de 18
cuotas anticipadas e iguales de $180.000,00.

A= $ 180,000.00
P= $ 1,800,000.00
n= 18
imes= 8.202033557% 8.202034%

n cuota interes saldo

0 0.00 0.00 $ 1,800,000.00
1 $ 180,000.00 $ 147,636.60 $ 1,767,636.60
2 $ 180,000.00 $ 144,982.15 $ 1,732,618.75
3 $ 180,000.00 $ 142,109.97 $ 1,694,728.72
4 $ 180,000.00 $ 139,002.22 $ 1,653,730.94
5 $ 180,000.00 $ 135,639.57 $ 1,609,370.51
6 $ 180,000.00 $ 132,001.11 $ 1,561,371.62
7 $ 180,000.00 $ 128,064.22 $ 1,509,435.84
8 $ 180,000.00 $ 123,804.43 $ 1,453,240.28
9 $ 180,000.00 $ 119,195.26 $ 1,392,435.53
10 $ 180,000.00 $ 114,208.03 $ 1,326,643.56
11 $ 180,000.00 $ 108,811.75 $ 1,255,455.31
12 $ 180,000.00 $ 102,972.87 $ 1,178,428.18
13 $ 180,000.00 $ 96,655.07 $ 1,095,083.25
14 $ 180,000.00 $ 89,819.10 $ 1,004,902.35
15 $ 180,000.00 $ 82,422.43 $ 907,324.77
16 $ 180,000.00 $ 74,419.08 $ 801,743.86
17 $ 180,000.00 $ 65,759.30 $ 687,503.16
18 $ 180,000.00 $ 56,389.24 $ 563,892.40
19 $ 180,000.00 $ 46,250.64 $ 430,143.04
20 $ 180,000.00 $ 35,280.48 $ 285,423.52
21 $ 180,000.00 $ 23,410.53 $ 128,834.05
22 $ 180,000.00 $ 10,567.01 -$ 40,598.94
7. Adriana deposita en un fondo de inversión colectiva la
suma de $ 600.000,00 al principio de cada trimestre. Al
final de 6 años recibe $17.000.000,00. Determinar el
interés efectivo anual que le reconoció el fondo.

A= $ 600,000.00
F= $ 17,000,000.00
n= 24
i.EA= 1.304158842%

n cuota interes
0 0 0
1 $ 600,000.00 $ 7,824.95
2 $ 600,000.00 $ 7,927.00
3 $ 600,000.00 $ 15,855.34
4 $ 600,000.00 $ 23,887.07
5 $ 600,000.00 $ 32,023.55
6 $ 600,000.00 $ 40,266.14
7 $ 600,000.00 $ 48,616.23
8 $ 600,000.00 $ 57,075.21
9 $ 600,000.00 $ 65,644.52
10 $ 600,000.00 $ 74,325.58
11 $ 600,000.00 $ 83,119.85
12 $ 600,000.00 $ 92,028.82
13 $ 600,000.00 $ 101,053.98
14 $ 600,000.00 $ 110,196.83
15 $ 600,000.00 $ 119,458.93
16 $ 600,000.00 $ 128,841.82
17 $ 600,000.00 $ 138,347.07
18 $ 600,000.00 $ 147,976.29
19 $ 600,000.00 $ 157,731.09
20 $ 600,000.00 $ 167,613.11
21 $ 600,000.00 $ 177,624.00
22 $ 600,000.00 $ 187,765.45
23 $ 600,000.00 $ 198,039.17
24 $ 600,000.00 $ 208,446.86
25 $ 600,000.00 $ 218,990.29
o de inversión colectiva la
pio de cada trimestre. Al
0.000,00. Determinar el
e reconoció el fondo.

saldo
$ 17,000,000.00
$ 607,824.95
$ 1,215,751.96
$ 1,831,607.29
$ 2,455,494.36
$ 3,087,517.91
$ 3,727,784.05
$ 4,376,400.27
$ 5,033,475.48
$ 5,699,120.00
$ 6,373,445.57
$ 7,056,565.43
$ 7,748,594.25
$ 8,449,648.23
$ 9,159,845.06
$ 9,879,303.99
$ 10,608,145.81
$ 11,346,492.88
$ 12,094,469.17
$ 12,852,200.26
$ 13,619,813.36
$ 14,397,437.37
$ 15,185,202.82
$ 15,983,241.98
$ 16,791,688.85
$ 17,610,679.14
 8. Un inmueble se arrienda por un valor mensual de
$4.000.000,00. Don Jorge lo alquila durante un año y el
primer día paga por el arriendo de todo el año
$44.500.000,00. Calcular la tasa EA.

A= $ 4,000,000.00
P= $ 44,500,000.00
n= 12
i.E.A= 0.014075524031

n cuota interes Saldo

1 $ 4,000,000.00 $ 44,500,000.00
2 0 0 0
3 0 0 0
4 0 0 0
5 0 0 0
6 0 0 0
7 0 0 0
8 0 0 0
9 0 0 0
10 0 0 0
11 0 0 0
12 0 0 0
 9. Diego es un trabajador ind
fondo de pensiones volunt
de 2023, para ello decide r
$2.000.000,00 durante los
del 1 de mayo de 2023, si el fondo recon
la pensión que
a partir del 1 de abril de 20
Sugerencia: emplear anuali

A=
n
i.E.A=
imes=
F=
x=

n cuota interes
1 $ 2,000,000.00 $ 16,710.3114
2 $ 2,000,000.00 $ 16,849.9286
3 $ 2,000,000.00 $ 33,701.0238
4 $ 2,000,000.00 $ 50,692.9124
5 $ 2,000,000.00 $ 67,826.7710
6 $ 2,000,000.00 $ 85,103.7856
7 $ 2,000,000.00 $ 102,525.1523
8 $ 2,000,000.00 $ 120,092.0773
9 $ 2,000,000.00 $ 137,805.7767
10 $ 2,000,000.00 $ 155,667.4767
11 $ 2,000,000.00 $ 173,678.4141
12 $ 2,000,000.00 $ 191,839.8357
13 $ 2,000,000.00 $ 210,152.9987
14 $ 2,000,000.00 $ 228,619.1711
15 $ 2,000,000.00 $ 247,239.6313
16 $ 2,000,000.00 $ 266,015.6682
17 $ 2,000,000.00 $ 284,948.5819
18 $ 2,000,000.00 $ 304,039.6831
19 $ 2,000,000.00 $ 323,290.2933
20 $ 2,000,000.00 $ 342,701.7454
21 $ 2,000,000.00 $ 362,275.3832
22 $ 2,000,000.00 $ 382,012.5618
23 $ 2,000,000.00 $ 401,914.6476
24 $ 2,000,000.00 $ 421,983.0184
25 $ 2,000,000.00 $ 442,219.0636
26 $ 2,000,000.00 $ 462,624.1841
27 $ 2,000,000.00 $ 483,199.7925
28 $ 2,000,000.00 $ 503,947.3134
29 $ 2,000,000.00 $ 524,868.1830
30 $ 2,000,000.00 $ 545,963.8498
31 $ 2,000,000.00 $ 567,235.7741
32 $ 2,000,000.00 $ 588,685.4287
33 $ 2,000,000.00 $ 610,314.2985
34 $ 2,000,000.00 $ 632,123.8808
35 $ 2,000,000.00 $ 654,115.6856
36 $ 2,000,000.00 $ 676,291.2354
37 $ 2,000,000.00 $ 698,652.0653
38 $ 2,000,000.00 $ 721,199.7234
39 $ 2,000,000.00 $ 743,935.7708
40 $ 2,000,000.00 $ 766,861.7813
41 $ 2,000,000.00 $ 789,979.3422
42 $ 2,000,000.00 $ 813,290.0540
43 $ 2,000,000.00 $ 836,795.5304
44 $ 2,000,000.00 $ 860,497.3987
45 $ 2,000,000.00 $ 884,397.2998
46 $ 2,000,000.00 $ 908,496.8883
47 $ 2,000,000.00 $ 932,797.8326
48 $ 2,000,000.00 $ 957,301.8151
49 $ 2,000,000.00 $ 982,010.5321
50 $ 2,000,000.00 $ 1,006,925.6944
51 $ 2,000,000.00 $ 1,032,049.0267
52 $ 2,000,000.00 $ 1,057,382.2683
53 $ 2,000,000.00 $ 1,082,927.1732
54 $ 2,000,000.00 $ 1,108,685.5097
55 $ 2,000,000.00 $ 1,134,659.0611
56 $ 2,000,000.00 $ 1,160,849.6256
57 $ 2,000,000.00 $ 1,187,259.0163
58 $ 2,000,000.00 $ 1,213,889.0616
59 $ 2,000,000.00 $ 1,240,741.6050
60 $ 2,000,000.00 $ 1,267,818.5057
61 $ 2,000,000.00 $ 1,295,121.6380
62 $ 2,000,000.00 $ 1,322,652.8923
63 $ 2,000,000.00 $ 1,350,414.1745
64 $ 2,000,000.00 $ 1,378,407.4065
65 $ 2,000,000.00 $ 1,406,634.5264
66 $ 2,000,000.00 $ 1,435,097.4882
67 $ 2,000,000.00 $ 1,463,798.2625
68 $ 2,000,000.00 $ 1,492,738.8362
69 $ 2,000,000.00 $ 1,521,921.2130
 70 $ 2,000,000.00 $ 1,551,347.4130
71 $ 2,000,000.00 $ 1,581,019.4735
72 $ 2,000,000.00 $ 1,610,939.4487
73 $ 2,000,000.00 $ 1,641,109.4100
74 $ 2,000,000.00 $ 1,671,531.4460
75 $ 2,000,000.00 $ 1,702,207.6628
76 $ 2,000,000.00 $ 1,733,140.1842
77 $ 2,000,000.00 $ 1,764,331.1516
78 $ 2,000,000.00 $ 1,795,782.7245
79 $ 2,000,000.00 $ 1,827,497.0801
80 $ 2,000,000.00 $ 1,859,476.4140
81 $ 2,000,000.00 $ 1,891,722.9403
82 $ 2,000,000.00 $ 1,924,238.8914
83 $ 2,000,000.00 $ 1,957,026.5183
84 $ 2,000,000.00 $ 1,990,088.0909
85 $ 2,000,000.00 $ 2,023,425.8981
86 $ 2,000,000.00 $ 2,057,042.2478
87 $ 2,000,000.00 $ 2,090,939.4674
88 $ 2,000,000.00 $ 2,125,119.9036
89 $ 2,000,000.00 $ 2,159,585.9226
90 $ 2,000,000.00 $ 2,194,339.9105
91 $ 2,000,000.00 $ 2,229,384.2735
92 $ 2,000,000.00 $ 2,264,721.4375
93 $ 2,000,000.00 $ 2,300,353.8491
94 $ 2,000,000.00 $ 2,336,283.9750
95 $ 2,000,000.00 $ 2,372,514.3027
96 $ 2,000,000.00 $ 2,409,047.3404
97 $ 2,000,000.00 $ 2,445,885.6173
98 $ 2,000,000.00 $ 2,483,031.6838
99 $ 2,000,000.00 $ 2,520,488.1115
100 $ 2,000,000.00 $ 2,558,257.4934
101 $ 2,000,000.00 $ 2,596,342.4444
102 $ 2,000,000.00 $ 2,634,745.6011
103 $ 2,000,000.00 $ 2,673,469.6222
104 $ 2,000,000.00 $ 2,712,517.1885
105 $ 2,000,000.00 $ 2,751,891.0032
106 $ 2,000,000.00 $ 2,791,593.7923
107 $ 2,000,000.00 $ 2,831,628.3045
108 $ 2,000,000.00 $ 2,871,997.3111
109 $ 2,000,000.00 $ 2,912,703.6072
110 $ 2,000,000.00 $ 2,953,750.0106
111 $ 2,000,000.00 $ 2,995,139.3632
112 $ 2,000,000.00 $ 3,036,874.5302
113 $ 2,000,000.00 $ 3,078,958.4011
114 $ 2,000,000.00 $ 3,121,393.8892
115 $ 2,000,000.00 $ 3,164,183.9325
116 $ 2,000,000.00 $ 3,207,331.4932
117 $ 2,000,000.00 $ 3,250,839.5586
118 $ 2,000,000.00 $ 3,294,711.1405
119 $ 2,000,000.00 $ 3,338,949.2764
120 $ 2,000,000.00 $ 3,383,557.0288
 9. Diego es un trabajador independiente y se afiliará a un
fondo de pensiones voluntarias a partir del 1 de abril
de 2023, para ello decide realizar un pago mensual de
$2.000.000,00 durante los próximos 10 años, a partir
mayo de 2023, si el fondo reconoce un interés del 10,5% EA, determinar
la pensión que recibirá Diego
a partir del 1 de abril de 2033, para el resto de su vida.
Sugerencia: emplear anualidades vencidas y perpetuas.

$ 2,000,000.00
120
10.50%
0.83551557%
$ 410,304,944.997 Ahorro durante los 10 años
$ 3,428,161.6932 Pension de Diego durante el resto de su vida

Saldo
$ 2,016,710.3114
$ 4,033,560.2400
$ 6,067,261.2638
$ 8,117,954.1762
$ 10,185,780.9472
$ 12,270,884.7327
$ 14,373,409.8850
$ 16,493,501.9623
$ 18,631,307.7390
$ 20,786,975.2158
$ 22,960,653.6299
$ 25,152,493.4656
$ 27,362,646.4643
$ 29,591,265.6354
$ 31,838,505.2667
$ 34,104,520.9349
$ 36,389,469.5168
$ 38,693,509.1999
$ 41,016,799.4932
$ 43,359,501.2386
$ 45,721,776.6218
$ 48,103,789.1836
$ 50,505,703.8312
$ 52,927,686.8497
$ 55,369,905.9133
$ 57,832,530.0974
$ 60,315,729.8899
$ 62,819,677.2033
$ 65,344,545.3863
$ 67,890,509.2361
$ 70,457,745.0102
$ 73,046,430.4389
$ 75,656,744.7373
$ 78,288,868.6181
$ 80,942,984.3037
$ 83,619,275.5391
$ 86,317,927.6044
$ 89,039,127.3278
$ 91,783,063.0986
$ 94,549,924.8799
$ 97,339,904.2221
$ 100,153,194.2761
$ 102,989,989.8065
$ 105,850,487.2052
$ 108,734,884.5050
$ 111,643,381.3933
$ 114,576,179.2259
$ 117,533,481.0409
$ 120,515,491.5731
$ 123,522,417.2675
$ 126,554,466.2941
$ 129,611,848.5625
$ 132,694,775.7357
$ 135,803,461.2454
$ 138,938,120.3064
$ 142,098,969.9320
$ 145,286,228.9483
$ 148,500,118.0098
$ 151,740,859.6148
$ 155,008,678.1205
$ 158,303,799.7585
$ 161,626,452.6508
$ 164,976,866.8253
$ 168,355,274.2318
$ 171,761,908.7581
$ 175,197,006.2463
$ 178,660,804.5088
$ 182,153,543.3451
$ 185,675,464.5580
$ 189,226,811.9711
$ 192,807,831.4446
$ 196,418,770.8933
$ 200,059,880.3033
$ 203,731,411.7493
$ 207,433,619.4121
$ 211,166,759.5963
$ 214,931,090.7480
$ 218,726,873.4724
$ 222,554,370.5525
$ 226,413,846.9665
$ 230,305,569.9069
$ 234,229,808.7982
$ 238,186,835.3165
$ 242,176,923.4074
$ 246,200,349.3054
$ 250,257,391.5532
$ 254,348,331.0206
$ 258,473,450.9242
$ 262,633,036.8467
$ 266,827,376.7573
$ 271,056,761.0307
$ 275,321,482.4682
$ 279,621,836.3173
$ 283,958,120.2923
$ 288,330,634.5950
$ 292,739,681.9354
$ 297,185,567.5527
$ 301,668,599.2365
$ 306,189,087.3480
$ 310,747,344.8415
$ 315,343,687.2859
$ 319,978,432.8870
$ 324,651,902.5092
$ 329,364,419.6976
$ 334,116,310.7009
$ 338,907,904.4932
$ 343,739,532.7977
$ 348,611,530.1088
$ 353,524,233.7160
$ 358,477,983.7266
$ 363,473,123.0898
$ 368,509,997.6200
$ 373,588,956.0211
$ 378,710,349.9104
$ 383,874,533.8429
$ 389,081,865.3361
$ 394,332,704.8947
$ 399,627,416.0352
$ 404,966,365.3116
$ 410,349,922.3405
 10. El día 1 de abril del año en curso, María ha decidido
invertir en un fondo para su retiro, el cual será en 20
años, y para esto depositará $500.000,00 al comienzo
de cada mes durante los primeros 5 años. Los
siguientes 7 años hará lo mismo, solo que depositará
$800.000,00 y el tiempo restante consignará una cuota
mensual de $1.000.000,00.
a. Calcular el dinero que tendrá el día 1 de abril del
año 2043, sabiendo que el fondo genera una
rentabilidad del 11,8% EA.
b. Calcular la pensión mensual que recibirá.

A= $ 500,000.00
n1= 60
A2= $ 800,000.00
n2= 84
A3= $ 1,000,000.00
n3= 96
i.E.A= 11.80%
Imes= 0.00933844829838
Valor Futuro durante los primeros 5 años F1= $ 39,977,872.27
Valor futuro durante los siguientes 7 años F2= $ 46,861,476.14
Valor futuro ultimos 8 años F3= $ 63,802,126.50
Valor futuro total FT= $ 150,641,474.90
Anualidad Perpetua Ap= $ 1,406,757.62

n Mes Cuota Interes

1 1-Apr-23 $ 500,000.00
2 1-May-23 $ 500,000.00
3 1-Jun-23 $ 500,000.00
4 1-Jul-23 $ 500,000.00
5 1-Aug-23 $ 500,000.00
6 1-Sep-23 $ 500,000.00
7 1-Oct-23 $ 500,000.00
8 1-Nov-23 $ 500,000.00
9 1-Dec-23 $ 500,000.00
10 1-Jan-24 $ 500,000.00
11 1-Feb-24 $ 500,000.00
12 1-Mar-24 $ 500,000.00
$ 4,669.22
$ 4,712.83
$ 9,426.06
$ 14,183.31
$ 18,984.99
$ 23,831.50
$ 28,723.27
$ 33,660.73
$ 38,644.29
$ 43,674.39
$ 48,751.47
$ 53,875.96
13 1-Apr-24 $ 500,000.00 $ 59,048.30
14 1-May-24 $ 500,000.00 $ 64,268.94
15 1-Jun-24 $ 500,000.00 $ 69,538.34
16 1-Jul-24 $ 500,000.00 $ 74,856.94
17 1-Aug-24 $ 500,000.00 $ 80,225.21
18 1-Sep-24 $ 500,000.00 $ 85,643.62
19 1-Oct-24 $ 500,000.00 $ 91,112.62
20 1-Nov-24 $ 500,000.00 $ 96,632.69
21 1-Dec-24 $ 500,000.00 $ 102,204.32
22 1-Jan-25 $ 500,000.00 $ 107,827.97
23 1-Feb-25 $ 500,000.00 $ 113,504.14
24 1-Mar-25 $ 500,000.00 $ 119,233.32
25 1-Apr-25 $ 500,000.00 $ 125,016.00
26 1-May-25 $ 500,000.00 $ 130,852.68
27 1-Jun-25 $ 500,000.00 $ 136,743.86
28 1-Jul-25 $ 500,000.00 $ 142,690.06
29 1-Aug-25 $ 500,000.00 $ 148,691.79
30 1-Sep-25 $ 500,000.00 $ 154,749.56
31 1-Oct-25 $ 500,000.00 $ 160,863.91
32 1-Nov-25 $ 500,000.00 $ 167,035.35
33 1-Dec-25 $ 500,000.00 $ 173,264.43
34 1-Jan-26 $ 500,000.00 $ 179,551.67
35 1-Feb-26 $ 500,000.00 $ 185,897.63
36 1-Mar-26 $ 500,000.00 $ 192,302.85
37 1-Apr-26 $ 500,000.00 $ 198,767.88
38 1-May-26 $ 500,000.00 $ 205,293.29
39 1-Jun-26 $ 500,000.00 $ 211,879.64
40 1-Jul-26 $ 500,000.00 $ 218,527.49
41 1-Aug-26 $ 500,000.00 $ 225,237.42
42 1-Sep-26 $ 500,000.00 $ 232,010.01
43 1-Oct-26 $ 500,000.00 $ 238,845.85
44 1-Nov-26 $ 500,000.00 $ 245,745.52
45 1-Dec-26 $ 500,000.00 $ 252,709.63
46 1-Jan-27 $ 500,000.00 $ 259,738.77
47 1-Feb-27 $ 500,000.00 $ 266,833.55
48 1-Mar-27 $ 500,000.00 $ 273,994.59
49 1-Apr-27 $ 500,000.00 $ 281,222.49
50 1-May-27 $ 500,000.00 $ 288,517.90
51 1-Jun-27 $ 500,000.00 $ 295,881.43
52 1-Jul-27 $ 500,000.00 $ 303,313.73
53 1-Aug-27 $ 500,000.00 $ 310,815.44
54 1-Sep-27 $ 500,000.00 $ 318,387.19
55 1-Oct-27 $ 500,000.00 $ 326,029.66
56 1-Nov-27 $ 500,000.00 $ 333,743.50
57 1-Dec-27 $ 500,000.00 $ 341,529.37
58 1-Jan-28 $ 500,000.00 $ 349,387.94
59 1-Feb-28 $ 500,000.00 $ 357,319.91
60 1-Mar-28 $ 500,000.00 $ 365,325.95
Valor Total ahorrado durante los 20 años pór Maria
Valor que Recibira Maria Durante el resto de vida

Saldo n Mes Cuota Interes Saldo

$ 504,669.22 1 1-May-28 $ 800,000.00 $ 7,470.76 $ 807,470.76
$ 1,009,382.05 2 1-Jun-28 $ 800,000.00 $ 7,540.52 $ 1,615,011.28
$ 1,518,808.11 3 1-Jul-28 $ 800,000.00 $ 15,081.70 $ 2,430,092.98
$ 2,032,991.42 4 1-Aug-28 $ 800,000.00 $ 22,693.30 $ 3,252,786.28
$ 2,551,976.41 5 1-Sep-28 $ 800,000.00 $ 30,375.98 $ 4,083,162.26
$ 3,075,807.91 6 1-Oct-28 $ 800,000.00 $ 38,130.40 $ 4,921,292.66
$ 3,604,531.18 7 1-Nov-28 $ 800,000.00 $ 45,957.24 $ 5,767,249.89
$ 4,138,191.91 8 1-Dec-28 $ 800,000.00 $ 53,857.16 $ 6,621,107.06
$ 4,676,836.20 9 1-Jan-29 $ 800,000.00 $ 61,830.87 $ 7,482,937.92
$ 5,220,510.60 10 1-Feb-29 $ 800,000.00 $ 69,879.03 $ 8,352,816.95
$ 5,769,262.06 11 1-Mar-29 $ 800,000.00 $ 78,002.35 $ 9,230,819.30
$ 6,323,138.02 12 1-Apr-29 $ 800,000.00 $ 86,201.53 $ 10,117,020.83
$ 6,882,186.32 13 1-May-29 $ 800,000.00 $ 94,477.28 $ 11,011,498.11
$ 7,446,455.26 14 1-Jun-29 $ 800,000.00 $ 102,830.31 $ 11,914,328.41
$ 8,015,993.60 15 1-Jul-29 $ 800,000.00 $ 111,261.34 $ 12,825,589.75
$ 8,590,850.54 16 1-Aug-29 $ 800,000.00 $ 119,771.11 $ 13,745,360.86
$ 9,171,075.75 17 1-Sep-29 $ 800,000.00 $ 128,360.34 $ 14,673,721.20
$ 9,756,719.37 18 1-Oct-29 $ 800,000.00 $ 137,029.79 $ 15,610,750.99
$ 10,347,831.99 19 1-Nov-29 $ 800,000.00 $ 145,780.19 $ 16,556,531.18
$ 10,944,464.68 20 1-Dec-29 $ 800,000.00 $ 154,612.31 $ 17,511,143.49
$ 11,546,669.00 21 1-Jan-30 $ 800,000.00 $ 163,526.91 $ 18,474,670.40
$ 12,154,496.97 22 1-Feb-30 $ 800,000.00 $ 172,524.75 $ 19,447,195.15
$ 12,768,001.11 23 1-Mar-30 $ 800,000.00 $ 181,606.63 $ 20,428,801.78
$ 13,387,234.43 24 1-Apr-30 $ 800,000.00 $ 190,773.31 $ 21,419,575.09
$ 14,012,250.43 25 1-May-30 $ 800,000.00 $ 200,025.59 $ 22,419,600.68
$ 14,643,103.10 26 1-Jun-30 $ 800,000.00 $ 209,364.28 $ 23,428,964.96
$ 15,279,846.96 27 1-Jul-30 $ 800,000.00 $ 218,790.18 $ 24,447,755.14
$ 15,922,537.02 28 1-Aug-30 $ 800,000.00 $ 228,304.10 $ 25,476,059.24
$ 16,571,228.81 29 1-Sep-30 $ 800,000.00 $ 237,906.86 $ 26,513,966.10
$ 17,225,978.38 30 1-Oct-30 $ 800,000.00 $ 247,599.30 $ 27,561,565.40
$ 17,886,842.28 31 1-Nov-30 $ 800,000.00 $ 257,382.25 $ 28,618,947.66
$ 18,553,877.64 32 1-Dec-30 $ 800,000.00 $ 267,256.56 $ 29,686,204.22
$ 19,227,142.06 33 1-Jan-31 $ 800,000.00 $ 277,223.08 $ 30,763,427.30
$ 19,906,693.74 34 1-Feb-31 $ 800,000.00 $ 287,282.68 $ 31,850,709.98
$ 20,592,591.37 35 1-Mar-31 $ 800,000.00 $ 297,436.21 $ 32,948,146.19
$ 21,284,894.22 36 1-Apr-31 $ 800,000.00 $ 307,684.56 $ 34,055,830.75
$ 21,983,662.10 37 1-May-31 $ 800,000.00 $ 318,028.61 $ 35,173,859.36
$ 22,688,955.39 38 1-Jun-31 $ 800,000.00 $ 328,469.27 $ 36,302,328.63
$ 23,400,835.03 39 1-Jul-31 $ 800,000.00 $ 339,007.42 $ 37,441,336.05
$ 24,119,362.52 40 1-Aug-31 $ 800,000.00 $ 349,643.98 $ 38,590,980.03
$ 24,844,599.94 41 1-Sep-31 $ 800,000.00 $ 360,379.87 $ 39,751,359.90
$ 25,576,609.95 42 1-Oct-31 $ 800,000.00 $ 371,216.02 $ 40,922,575.92
$ 26,315,455.80 43 1-Nov-31 $ 800,000.00 $ 382,153.36 $ 42,104,729.28
$ 27,061,201.32 44 1-Dec-31 $ 800,000.00 $ 393,192.84 $ 43,297,922.12
$ 27,813,910.95 45 1-Jan-32 $ 800,000.00 $ 404,335.41 $ 44,502,257.52
$ 28,573,649.72 46 1-Feb-32 $ 800,000.00 $ 415,582.03 $ 45,717,839.55
$ 29,340,483.27 47 1-Mar-32 $ 800,000.00 $ 426,933.68 $ 46,944,773.23
$ 30,114,477.86 48 1-Apr-32 $ 800,000.00 $ 438,391.34 $ 48,183,164.57
$ 30,895,700.35 49 1-May-32 $ 800,000.00 $ 449,955.99 $ 49,433,120.56
$ 31,684,218.25 50 1-Jun-32 $ 800,000.00 $ 461,628.64 $ 50,694,749.20
$ 32,480,099.69 51 1-Jul-32 $ 800,000.00 $ 473,410.29 $ 51,968,159.50
$ 33,283,413.42 52 1-Aug-32 $ 800,000.00 $ 485,301.97 $ 53,253,461.47
$ 34,094,228.85 53 1-Sep-32 $ 800,000.00 $ 497,304.70 $ 54,550,766.17
$ 34,912,616.05 54 1-Oct-32 $ 800,000.00 $ 509,419.51 $ 55,860,185.68
$ 35,738,645.71 55 1-Nov-32 $ 800,000.00 $ 521,647.46 $ 57,181,833.13
$ 36,572,389.20 56 1-Dec-32 $ 800,000.00 $ 533,989.59 $ 58,515,822.72
$ 37,413,918.57 57 1-Jan-33 $ 800,000.00 $ 546,446.99 $ 59,862,269.71
$ 38,263,306.51 58 1-Feb-33 $ 800,000.00 $ 559,020.71 $ 61,221,290.42
$ 39,120,626.42 59 1-Mar-33 $ 800,000.00 $ 571,711.86 $ 62,593,002.27
$ 39,985,952.37 60 1-Apr-33 $ 800,000.00 $ 584,521.52 $ 63,977,523.79
61 1-May-33 $ 800,000.00 $ 597,450.80 $ 65,374,974.59
62 1-Jun-33 $ 800,000.00 $ 610,500.82 $ 66,785,475.41
63 1-Jul-33 $ 800,000.00 $ 623,672.71 $ 68,209,148.12
64 1-Aug-33 $ 800,000.00 $ 636,967.60 $ 69,646,115.72
65 1-Sep-33 $ 800,000.00 $ 650,386.65 $ 71,096,502.37
66 1-Oct-33 $ 800,000.00 $ 663,931.01 $ 72,560,433.38
67 1-Nov-33 $ 800,000.00 $ 677,601.86 $ 74,038,035.24
68 1-Dec-33 $ 800,000.00 $ 691,400.36 $ 75,529,435.60
69 1-Jan-34 $ 800,000.00 $ 705,327.73 $ 77,034,763.33
70 1-Feb-34 $ 800,000.00 $ 719,385.15 $ 78,554,148.49
71 1-Mar-34 $ 800,000.00 $ 733,573.85 $ 80,087,722.34
72 1-Apr-34 $ 800,000.00 $ 747,895.05 $ 81,635,617.40
73 1-May-34 $ 800,000.00 $ 762,349.99 $ 83,197,967.39
74 1-Jun-34 $ 800,000.00 $ 776,939.92 $ 84,774,907.31
75 1-Jul-34 $ 800,000.00 $ 791,666.09 $ 86,366,573.39
76 1-Aug-34 $ 800,000.00 $ 806,529.78 $ 87,973,103.17
77 1-Sep-34 $ 800,000.00 $ 821,532.28 $ 89,594,635.45
78 1-Oct-34 $ 800,000.00 $ 836,674.87 $ 91,231,310.32
79 1-Nov-34 $ 800,000.00 $ 851,958.87 $ 92,883,269.20
80 1-Dec-34 $ 800,000.00 $ 867,385.61 $ 94,550,654.80
81 1-Jan-35 $ 800,000.00 $ 882,956.40 $ 96,233,611.20
82 1-Feb-35 $ 800,000.00 $ 898,672.60 $ 97,932,283.81
83 1-Mar-35 $ 800,000.00 $ 914,535.57 $ 99,646,819.38
84 1-Apr-35 $ 800,000.00 $ 930,546.67 $ 101,377,366.05
 11. Determinar X en el siguiente diagrama de flujo de caja.

Interes Semestral= 10%

imes= 0.01601187
A= 0 A2=
n= 7 A1=
Px= 0 A2=
Px2= 0 P=
P9=
P2x=
P9=
Px+P9=
18.6273723
x=

n Mes Cuota Interes Saldo

1 1-May-35 $ 1,000,000.00 $ 9,338.45 $ 1,009,338.45
2 1-Jun-35 $ 1,000,000.00 $ 9,425.65 $ 2,018,764.10
3 1-Jul-35 $ 1,000,000.00 $ 18,852.12 $ 3,037,616.23
4 1-Aug-35 $ 1,000,000.00 $ 28,366.62 $ 4,065,982.85
5 1-Sep-35 $ 1,000,000.00 $ 37,969.97 $ 5,103,952.82
6 1-Oct-35 $ 1,000,000.00 $ 47,663.00 $ 6,151,615.82
7 1-Nov-35 $ 1,000,000.00 $ 57,446.55 $ 7,209,062.37
8 1-Dec-35 $ 1,000,000.00 $ 67,321.46 $ 8,276,383.82
9 1-Jan-36 $ 1,000,000.00 $ 77,288.58 $ 9,353,672.40
10 1-Feb-36 $ 1,000,000.00 $ 87,348.79 $ 10,441,021.19
11 1-Mar-36 $ 1,000,000.00 $ 97,502.94 $ 11,538,524.13
12 1-Apr-36 $ 1,000,000.00 $ 107,751.91 $ 12,646,276.04
13 1-May-36 $ 1,000,000.00 $ 118,096.59 $ 13,764,372.63
14 1-Jun-36 $ 1,000,000.00 $ 128,537.88 $ 14,892,910.52
15 1-Jul-36 $ 1,000,000.00 $ 139,076.67 $ 16,031,987.19
16 1-Aug-36 $ 1,000,000.00 $ 149,713.88 $ 17,181,701.07
17 1-Sep-36 $ 1,000,000.00 $ 160,450.43 $ 18,342,151.50
18 1-Oct-36 $ 1,000,000.00 $ 171,287.23 $ 19,513,438.73
19 1-Nov-36 $ 1,000,000.00 $ 182,225.24 $ 20,695,663.97
20 1-Dec-36 $ 1,000,000.00 $ 193,265.39 $ 21,888,929.36
21 1-Jan-37 $ 1,000,000.00 $ 204,408.64 $ 23,093,338.00
22 1-Feb-37 $ 1,000,000.00 $ 215,655.94 $ 24,308,993.94
23 1-Mar-37 $ 1,000,000.00 $ 227,008.28 $ 25,536,002.22
24 1-Apr-37 $ 1,000,000.00 $ 238,466.64 $ 26,774,468.86
25 1-May-37 $ 1,000,000.00 $ 250,031.99 $ 28,024,500.85
26 1-Jun-37 $ 1,000,000.00 $ 261,705.35 $ 29,286,206.20
27 1-Jul-37 $ 1,000,000.00 $ 273,487.72 $ 30,559,693.93
28 1-Aug-37 $ 1,000,000.00 $ 285,380.12 $ 31,845,074.05
29 1-Sep-37 $ 1,000,000.00 $ 297,383.58 $ 33,142,457.63
30 1-Oct-37 $ 1,000,000.00 $ 309,499.13 $ 34,451,956.75
31 1-Nov-37 $ 1,000,000.00 $ 321,727.82 $ 35,773,684.57
32 1-Dec-37 $ 1,000,000.00 $ 334,070.70 $ 37,107,755.27
33 1-Jan-38 $ 1,000,000.00 $ 346,528.85 $ 38,454,284.13
34 1-Feb-38 $ 1,000,000.00 $ 359,103.34 $ 39,813,387.47
35 1-Mar-38 $ 1,000,000.00 $ 371,795.26 $ 41,185,182.73
36 1-Apr-38 $ 1,000,000.00 $ 384,605.70 $ 42,569,788.43
37 1-May-38 $ 1,000,000.00 $ 397,535.77 $ 43,967,324.20
38 1-Jun-38 $ 1,000,000.00 $ 410,586.58 $ 45,377,910.78
39 1-Jul-38 $ 1,000,000.00 $ 423,759.27 $ 46,801,670.06
40 1-Aug-38 $ 1,000,000.00 $ 437,054.98 $ 48,238,725.03
41 1-Sep-38 $ 1,000,000.00 $ 450,474.84 $ 49,689,199.87
42 1-Oct-38 $ 1,000,000.00 $ 464,020.02 $ 51,153,219.90
43 1-Nov-38 $ 1,000,000.00 $ 477,691.70 $ 52,630,911.60
44 1-Dec-38 $ 1,000,000.00 $ 491,491.05 $ 54,122,402.64
45 1-Jan-39 $ 1,000,000.00 $ 505,419.26 $ 55,627,821.90
46 1-Feb-39 $ 1,000,000.00 $ 519,477.54 $ 57,147,299.44
47 1-Mar-39 $ 1,000,000.00 $ 533,667.10 $ 58,680,966.54
48 1-Apr-39 $ 1,000,000.00 $ 547,989.17 $ 60,228,955.72
49 1-May-39 $ 1,000,000.00 $ 562,444.99 $ 61,791,400.70
50 1-Jun-39 $ 1,000,000.00 $ 577,035.80 $ 63,368,436.50
51 1-Jul-39 $ 1,000,000.00 $ 591,762.87 $ 64,960,199.37
52 1-Aug-39 $ 1,000,000.00 $ 606,627.46 $ 66,566,826.84
53 1-Sep-39 $ 1,000,000.00 $ 621,630.87 $ 68,188,457.71
54 1-Oct-39 $ 1,000,000.00 $ 636,774.39 $ 69,825,232.09
55 1-Nov-39 $ 1,000,000.00 $ 652,059.32 $ 71,477,291.41
56 1-Dec-39 $ 1,000,000.00 $ 667,486.99 $ 73,144,778.40
57 1-Jan-40 $ 1,000,000.00 $ 683,058.73 $ 74,827,837.14
58 1-Feb-40 $ 1,000,000.00 $ 698,775.89 $ 76,526,613.02
59 1-Mar-40 $ 1,000,000.00 $ 714,639.82 $ 78,241,252.84
60 1-Apr-40 $ 1,000,000.00 $ 730,651.89 $ 79,971,904.74
61 1-May-40 $ 1,000,000.00 $ 746,813.50 $ 81,718,718.24
62 1-Jun-40 $ 1,000,000.00 $ 763,126.03 $ 83,481,844.26
63 1-Jul-40 $ 1,000,000.00 $ 779,590.89 $ 85,261,435.15
64 1-Aug-40 $ 1,000,000.00 $ 796,209.50 $ 87,057,644.65
65 1-Sep-40 $ 1,000,000.00 $ 812,983.31 $ 88,870,627.96
66 1-Oct-40 $ 1,000,000.00 $ 829,913.76 $ 90,700,541.73
67 1-Nov-40 $ 1,000,000.00 $ 847,002.32 $ 92,547,544.05
68 1-Dec-40 $ 1,000,000.00 $ 864,250.46 $ 94,411,794.50
69 1-Jan-41 $ 1,000,000.00 $ 881,659.66 $ 96,293,454.17
70 1-Feb-41 $ 1,000,000.00 $ 899,231.44 $ 98,192,685.61
71 1-Mar-41 $ 1,000,000.00 $ 916,967.32 $ 100,109,652.93
72 1-Apr-41 $ 1,000,000.00 $ 934,868.82 $ 102,044,521.74
73 1-May-41 $ 1,000,000.00 $ 952,937.49 $ 103,997,459.24
74 1-Jun-41 $ 1,000,000.00 $ 971,174.90 $ 105,968,634.13
75 1-Jul-41 $ 1,000,000.00 $ 989,582.61 $ 107,958,216.74
76 1-Aug-41 $ 1,000,000.00 $ 1,008,162.23 $ 109,966,378.97
77 1-Sep-41 $ 1,000,000.00 $ 1,026,915.34 $ 111,993,294.31
78 1-Oct-41 $ 1,000,000.00 $ 1,045,843.59 $ 114,039,137.90
79 1-Nov-41 $ 1,000,000.00 $ 1,064,948.59 $ 116,104,086.49
80 1-Dec-41 $ 1,000,000.00 $ 1,084,232.01 $ 118,188,318.50
81 1-Jan-42 $ 1,000,000.00 $ 1,103,695.50 $ 120,292,014.01
82 1-Feb-42 $ 1,000,000.00 $ 1,123,340.75 $ 122,415,354.76
83 1-Mar-42 $ 1,000,000.00 $ 1,143,169.46 $ 124,558,524.22
84 1-Apr-42 $ 1,000,000.00 $ 1,163,183.34 $ 126,721,707.56
85 1-May-42 $ 1,000,000.00 $ 1,183,384.11 $ 128,905,091.67
86 1-Jun-42 $ 1,000,000.00 $ 1,203,773.53 $ 131,108,865.21
87 1-Jul-42 $ 1,000,000.00 $ 1,224,353.36 $ 133,333,218.57
88 1-Aug-42 $ 1,000,000.00 $ 1,245,125.37 $ 135,578,343.93
89 1-Sep-42 $ 1,000,000.00 $ 1,266,091.36 $ 137,844,435.29
90 1-Oct-42 $ 1,000,000.00 $ 1,287,253.13 $ 140,131,688.42
91 1-Nov-42 $ 1,000,000.00 $ 1,308,612.53 $ 142,440,300.95
92 1-Dec-42 $ 1,000,000.00 $ 1,330,171.39 $ 144,770,472.33
93 1-Jan-43 $ 1,000,000.00 $ 1,351,931.57 $ 147,122,403.91
94 1-Feb-43 $ 1,000,000.00 $ 1,373,894.96 $ 149,496,298.87
95 1-Mar-43 $ 1,000,000.00 $ 1,396,063.46 $ 151,892,362.33
96 1-Apr-43 $ 1,000,000.00 $ 1,418,438.97 $ 154,310,801.30
grama de flujo de caja.

0
6.6776068973157
13.144741925013
$ 18,000,000.00
$ 7,000,000.00
11.949765386375
$ 6,067,489.20
$ 24,067,489.20
$ 24,067,489.20
$ 1,292,049.62 Anualidad de la grafica
 12. Determinar X en el siguiente diagrama de flujo de caja.

n CUOTA INTERÉS SALDO

0 -$ 5,254,136.36 -$ 5,254,136.36
1 -$ 5,254,136.36 -$ 133,056.05 -$ 133,056.05
2 -$ 5,254,136.36 -$ 3,369.52 $ 5,117,710.79
3 -$ 5,254,136.36 $ 129,601.20 $ 10,501,448.35
4 -$ 5,254,136.36 $ 265,939.28 $ 16,021,523.99
5 -$ 5,254,136.36 $ 405,729.99 $ 21,681,390.34
6 -$ 5,254,136.36 $ 549,060.77 $ 27,484,587.47
7 -$ 10,508,272.72 $ 696,021.27 $ 38,688,881.45
8 $ 47,000,000.00 $ 979,759.45 -$ 7,331,359.10
9 -$ 10,508,272.72 -$ 185,659.76 $ 2,991,253.86
10 -$ 10,508,272.72 $ 75,750.68 $ 13,575,277.26
11 -$ 10,508,272.72 $ 343,781.10 $ 24,427,331.08
12 $ 24,000,000.00 $ 618,599.13 $ 1,045,930.21
 Cuota: -$ 5,254,136.36
T Interés: 2.53%
N periodos 12