Documentos de Académico
Documentos de Profesional
Documentos de Cultura
Matemáticas Financieras.
U.T.S.
2023.
1
1. Se compra un electrodoméstico por valor de $2.000.000 y se paga al
final de cada periodo con 12 cuotas mensuales iguales. La compañía
cobra una tasa de interés del 2.5% mensual. Calcular el valor de las
cuotas mensuales.
SOLUCION.
Deuda inicial = VP
Interés = j
Amortización = amortización
Pago = pago
Deuda final = Deuda inicial – Amortización
2
Tabla de amortización.
Periodo deuda inicial tasa de interés interés amortización pago deuda final
1 2.50%
2,000,000 4,166.67 166,667 170,833 1,833,333
2 2.50%
1,833,333 3,819.44 166,667 170,486 1,666,667
3 2.50%
1,666,667 3,472.22 166,667 170,139 1,500,000
4 2.50%
1,500,000 3,125.00 166,667 169,792 1,333,333
5 2.50%
1,333,333 2,777.78 166,667 169,444 1,166,667
6 2.50%
1,166,667 2,430.56 166,667 169,097 1,000,000
7 2.50%
1,000,000 2,083.33 166,667 168,750 833,333
8 2.50%
833,333 1,736.11 166,667 168,403 666,667
9 2.50%
666,667 1,388.89 166,667 168,056 500,000
10 2.50%
500,000 1,041.67 166,667 167,708 333,333
11 2.50%
333,333 694.44 166,667 167,361 166,667
12 2.50%
166,667 347.22 166,667 167,014 0
3
SOLUCIÓN.
Calcular el valor presente (VP):
VP = $4,800,000
4
Tabla de amortización.
Periodo deuda inicial tasa de interés interés amortización pago deuda final
1 3.63%
4,800,000 7,260 200,000 207,260 4,600,000.00
2 3.63%
4,600,000 6,958 200,000 206,958 4,400,000.00
3 3.63%
4,400,000 6,655 200,000 206,655 4,200,000.00
4 3.63%
4,200,000 6,353 200,000 206,353 4,000,000.00
5 3.63%
4,000,000 6,050 200,000 206,050 3,800,000.00
6 3.63%
3,800,000 5,748 200,000 205,748 3,600,000.00
7 3.63%
3,600,000 5,445 200,000 205,445 3,400,000.00
8 3.63%
3,400,000 5,143 200,000 205,143 3,200,000.00
9 3.63%
3,200,000 4,840 200,000 204,840 3,000,000.00
10 3.63%
3,000,000 4,538 200,000 204,538 2,800,000.00
11 3.63%
2,800,000 4,235 200,000 204,235 2,600,000.00
12 3.63%
2,600,000 3,933 200,000 203,933 2,400,000.00
13 3.63%
2,400,000 3,630 200,000 203,630 2,200,000.00
14 3.63%
2,200,000 3,328 200,000 203,328 2,000,000.00
15 3.63%
2,000,000 3,025 200,000 203,025 1,800,000.00
16 3.63%
1,800,000 2,723 200,000 202,723 1,600,000.00
17 3.63%
1,600,000 2,420 200,000 202,420 1,400,000.00
18 3.63%
1,400,000 2,118 200,000 202,118 1,200,000.00
5
19 3.63%
1,200,000 1,815 200,000 201,815 1,000,000.00
20 3.63% 800,000.00
1,000,000 1,513 200,000 201,513
21 3.63% 600,000.00
800,000 1,210 200,000 201,210
22 3.63% 400,000.00
600,000 908 200,000 200,908
23 3.63% 200,000.00
400,000 605 200,000 200,605
24 3.63% -
200,000 303 200,000 200,303