DATOS $ 4,500.

00
INTERES SIMP 9% $ 5,000.00
INTERES COM 9%
DEPOSITO $ 5,000.00
TIEMPO 10 ANUAL
 10
$ 11,836.82

𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
DATOS
INTERES COMPUESTO 6% $ 1,000.00
DEPOSITO $ 1,000.00
TIEMPO 10 ANUAL

DATOS
INTERES COMPUESTO 9% $ 1,000.00
DEPOSITO $ 1,000.00
TIEMPO 10 ANUAL

DATOS
INTERES COMPUESTO 6% $ 1,000.00
DEPOSITO $ 1,000.00
TIEMPO 20 ANUAL
 10
$ 1,790.85
$ 1,790.85 XLS
𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛

10
$ 2,367.36

𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛

20
$ 3,207.14

𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
VP XLSX VP n i VF 𝑉𝐴=𝑉𝐹/( 〖 (1+𝑖) 〗 ^𝑛 " " )
$10,295.65 $ 10,295.65 6 7% $ 15,451.00
$14,655.72 $ 14,655.72 9 15% $ 51,557.00
$135,411.60 $ 135,411.60 18 11% $ 886,073.00
$12,223.79 $ 12,223.79 23 18% $ 550,164.00
𝑖) 〗 ^𝑛 " " )
 VP n i i xlsx VF 𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
$ 242.00 2 12.63% 12.63% $ 307.00 𝑖=√(𝑛&𝑉𝐹/𝑉𝐴)−1
$ 410.00 9 9.07% 9.07% $ 896.00
$ 51,700.00 15 7.92% 7.92% $ 162,181.00
$ 187,500.00 30 3.21% 3.21% $ 483,500.00
𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
𝑖=√(𝑛&𝑉𝐹/𝑉𝐴)−1
VP n n xlsx i VF
625.00 12.36 12.36 0.06 1284.00
810.00 13.74 13.74 0.13 4341.00
18400.00 11.11 11.11 0.32 402662.00
21500.00 14.07 14.07 0.16 173439.00
 𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
𝑛=ln⁡〖 (𝑉𝐹/𝑉𝐴) 〗 /ln⁡〖 (1+𝑖) 〗
 VP n i VF 𝑛=ln⁡〖 (𝑉𝐹/
$ 1,000.00 8.04 9% $ 2,000.00
$ 1,000.00 20.49 7% $ 4,000.00 𝑉𝐴) 〗 /ln⁡
〖 (1+𝑖) 〗
 =ln⁡〖 (𝑉𝐹/
𝐴) 〗 /ln⁡
〖 (1+𝑖) 〗
 $ 155,065,808.54
0
$155,065,808.54

𝑉𝐴=𝑉𝐹/ 〖 (1+𝑖) 〗 ^𝑛
$ 750,000,000.00
20
8.2%
 n $ 12,377,500.00
2003 4 1999
1999
𝑟=(𝑉𝐹/𝑉𝑃)^(1/𝑛)−1
-4.463% 𝑉𝐹=𝑉𝑃 〖 (
-4.463%
 $ 10,311,500.00
2003

𝑉𝐹=𝑉𝑃 〖 (1+𝑟) 〗 ^𝑛
 120 ANUAL Año Pago PAGO XLS 𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
PAGO 1 AÑO 1 $ 126.84 $126.84
i 5.7% 2 $ 134.07
3 $ 141.71
VA AÑO INTERES VF XLS 𝑉𝐹=𝑉𝐴 〖 (1
$ 1,900.00 5 12% $ 3,348.45 $3,348.45
3 10% $ 2,528.90 $2,528.90
10 5% $ 3,094.90 $3,094.90
8 7% $ 3,264.55 $3,264.55
𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛
 Tasa Desc
10% 18% 24%
AÑO Flujo de efectivo VP VP VP
1 $ 1,200.00 $ 1,090.91 $ 1,016.95 $ 967.74
2 $ 730.00 $ 603.31 $ 524.27 $ 474.77
3 $ 965.00 $ 725.02 $ 587.33 $ 506.13
4 $ 1,590.00 $ 1,085.99 $ 820.10 $ 672.53
TOTAL $ 3,505.23 $ 2,948.66 $ 2,621.17
 $ 5,500.00 $ 5,500.00 $ 5,500.00
INV X $ 5,500.00 x 0
T 9
INV Y $ 8,000.00
T 5 $ 8,000.00 $ 8,000.00 $ 8,000.00
TASA DESC r 5% y 0
22%
CT FLUJO EFECTIVO
5%
ANUALIDAD VENCIDA x $39,093.02
y $34,635.81
 pago
$ 5,500.00 $ 5,500.00 $ 5,500.00 $ 5,500.00
9

$ 8,000.00 $ 8,000.00 $ 8,000.00 $ 8,000.00

5

22%
$20,824.57
$22,909.12
$ 4,300.00 $ 34,660.96 $ 46,256.65
0 15 40
9% 9%
𝑉𝑃𝐴=𝐶({1−[█(1@(1+𝑟) )]^𝑡 }/𝑟)

VALOR PRESENTE DE UNA ANUALIDAD (VPA)

$ 47,703.26 $ 47,777.78
75 ∞
9%
𝑉𝑃=𝐶/𝑟
VA $ 340,000.00
Tasa de Interés 6.5%
FE $ 20,000.00

VALOR DE LA PERPETUIDAD SIN CRECIMIENTO

𝑉𝐴=𝐹𝐸/𝐼 𝐼=𝐹𝐸/𝑉𝐴

VA= $ 307,692.31 I= 5.88%

TPA Nº TAE TAE XLSX
8% 4 8.243% 8.243%
𝑇𝐴𝐸=[1+𝑇𝑃𝐴/𝑚]^𝑚
18% 12 19.562% 19.562%
12% 360 12.747% 12.747%
14% 2.718281 14.627% 14.490%
𝑇𝐴𝐸=[1+𝑇𝑃𝐴/𝑚]^𝑚−1
 TPA T TAE 𝑇𝐴𝐸=[1+𝑇𝑃𝐴/𝑚]^𝑚−1
10.05% 2 10.3%
9.02% 12 9.4%
6.96% 52 7.2%
15.9%
TPA= 〖𝑚 {[1+𝑇𝐴𝐸] 〗
2.718281
𝑚)−1}
TPA 14%
T TAE TAE EXCEL 𝑇𝐴𝐸=𝑒^𝑚−1
ANUAL 1 14.00% 14.00%
SEMESTRAL 2 14.49% 14.49% TAE=𝑒^𝑇𝑃𝐴−
TRIMESTRAL 4 14.75% 14.75%
MENSUAL 12 14.93% 14.93%
SEMANAL 52 15.01% 15.01%
DIARIO 360 15.0242% 15.02%
CONTINUO 2.718281828 15.0274%
𝐴/𝑚]^𝑚−1

〖𝑚 {[1+𝑇𝐴𝐸] 〗 ^(1/

𝑇𝐴𝐸=𝑒^𝑚−1

TAE=𝑒^𝑇𝑃𝐴−1
 TPA T m TAE
10.1% MENSUAL 12 10.58% 𝑇𝐴𝐸=[1+𝑇𝑃𝐴
10.4% SEMESTRAL 2 10.67%
𝑇𝐴𝐸=[1+𝑇𝑃𝐴/𝑚]^𝑚−1
 ANUALIDAD ANTICIPADA
177%
$ 108.00
0
10 10 10 10 10 10

12 SEMANA 1320
SEMANAL
PxB $ 10.00 1.98%
PC $ 120.00 DESC 10% $ 108.00
 12
10

ANUAL TAE TAE XL

102.77% 177% 177%
$ 18,400.00
$ 600.00 $ 600.00 $ 600.00 $ 600.00 $ 600.00
0
9%
𝑡=ln⁡(2−(𝑃
15.37 ln⁡(1/((1+𝑟
$ 600.00 $ 600.00 $ 600.00

𝑡=ln⁡(2−(𝑃𝑉𝐴∗𝑟)/𝐶)/
ln⁡(1/((1+𝑟)))
 0
$ 3.00
VA
TASA SEMANAL TPA TAE
33% 1733% 313916516%
NPER SEMANAL
1
$ 4.00
VF
VA T VF VF XLS
1000 ANUAL 7 $ 1,713.82 $1,713.82
T SEMESTRAL 42 $ 25,339.48 $25,339.48
7 MENSUAL 84 $ 642,089.34 $642,089.34
i CONTINUO 2.718281 $ 1,232.69 $1,232.69
8%
Bank A 6%
0 10 𝑉𝐹=𝑉𝐴(1+𝑖𝑛)

Bank B
𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗

𝑉𝐴(1+𝑖𝑛)=𝑉𝐴 〖 (1+

1+𝑖𝑛= 〖 (1+𝑖) 〗

1+0,06∗10= 〖 (1
 𝑉𝐹=𝑉𝐴(1+𝑖𝑛)

𝑉𝐹=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛

𝑉𝐴(1+𝑖𝑛)=𝑉𝐴 〖 (1+𝑖) 〗 ^𝑛

1+𝑖𝑛= 〖 (1+𝑖) 〗 ^𝑛

1+0,06∗10= 〖 (1+𝑖) 〗 ^10

1.6 = (1+i)^10
1.048122389 = (1+i)
4.81% = i
 $ 700.00 $ 700.00 $ 700.00 $ 700.00
0

$ 300.00 $ 300.00 $ 300.00 $ 300.00

0

RETIRO DE INVERSION
8%
𝑉𝐹=𝐶({[1+𝑟]^𝑡−1}/𝑟)

CUENTA DE ACCIONES $ 1,582,341.55 129.5645226

CUENTA DE BONOS $ 301,354.51
VPA $ 1,883,696.06 C $ 14,538.67
$ 700.00 $ 700.00 $ 700.00 $ 700.00 $ 700.00 $ 700.00
30
10%

$ 300.00 $ 300.00 $ 300.00 $ 300.00 $ 300.00 $ 300.00 8%

30
6%

$897.89
25
 $ 75,000.00
G 0

$ 75,000.00
H 0

G H
TASA 10% 10%
$ 135,000.00
6

$ 195,000.00
10
 $44,457.56 $51,855.29
0 2 3
$ 5,000.00 $ 5,000.00

i 8%
primero hay que valorar la anualidad
 25
$ 5,000.00 $ 5,000.00 $ 5,000.00 $ 5,000.00 $ 5,000.00
 $ 450,000.00
0
ANTICIPO $ 90,000.00
DEUDA $ 360,000.00
TASA 7.5% ANUAL

PAGO MENSUAL $2,517.17

 $325,001.73
8 30
LIQUIDAR
 pagos
$ 6,000.00 $1,007.01 $6,072.36
0 6
2.40% 18%
CAP. MENSUAL ANUAL

intereses acumulados $639.78

$6,639.78
 $ 18,000.00 $ 18,720.00 $ 19,468.80 $ 20,247.55
0 1 2
$ 65,000.00
COSTO REVISION

𝑉𝑃=𝐶[(1−((1+𝑔)/
(1+𝑟))^𝑇)/(𝑟−𝑔)]
VP $ 71,479.47

g = tasa de crecimiento por periodo 4%

c = pago al final del primer periodo $ 18,000.00
r = tasa de interes 11%
T = # periodos de la anualidad 5
$ 21,057.45 $ 21,899.75
5
TASA DE CRECIMEINTO g 4%
Ahorro 5%
0 $ 60,000.00
1 $ 62,400.00 $ 3,120.00 $52,861.98
2 $ 64,896.00 $ 3,244.80
3 $ 67,491.84 $ 3,374.59
4 $ 70,191.51 $ 3,509.58
5 $ 72,999.17 $ 3,649.96
6 $ 75,919.14 $ 3,795.96
7 $ 78,955.91 $ 3,947.80
8 $ 82,114.14 $ 4,105.71
9 $ 85,398.71 $ 4,269.94
10 $ 88,814.66 $ 4,440.73
11 $ 92,367.24 $ 4,618.36
12 $ 96,061.93 $ 4,803.10
13 $ 99,904.41 $ 4,995.22
14 $ 103,900.59 $ 5,195.03
15 $ 108,056.61 $ 5,402.83
16 $ 112,378.87 $ 5,618.94
17 $ 116,874.03 $ 5,843.70
18 $ 121,548.99 $ 6,077.45
19 $ 126,410.95 $ 6,320.55
20 $ 131,467.39 $ 6,573.37
21 $ 136,726.08 $ 6,836.30
22 $ 142,195.13 $ 7,109.76
23 $ 147,882.93 $ 7,394.15
24 $ 153,798.25 $ 7,689.91
25 $ 159,950.18 $ 7,997.51
26 $ 166,348.19 $ 8,317.41
27 $ 173,002.11 $ 8,650.11
28 $ 179,922.20 $ 8,996.11
29 $ 187,119.09 $ 9,355.95
30 $ 194,603.85 $ 9,730.19
31 $ 202,388.00 $ 10,119.40
32 $ 210,483.52 $ 10,524.18
33 $ 218,902.87 $ 10,945.14
34 $ 227,658.98 $ 11,382.95
35 $ 236,765.34 $ 11,838.27
36 $ 246,235.95 $ 12,311.80
37 $ 256,085.39 $ 12,804.27
38 $ 266,328.81 $ 13,316.44
39 $ 276,981.96 $ 13,849.10
40 $ 288,061.24 $ 14,403.06
i 9%
𝑉𝑃=𝐶[(1−((1+𝑔)/
$964,287.37 (1+𝑟))^𝑇)/(𝑟−𝑔)]
$1,660,364.12

c $ 3,120.00
r 9%
t 40

Formula $ 52,861.98
 0
VP $61,323.23 $ 61,323.23
VP $79,769.26 $ 79,769.26
VP $48,785.57 $ 48,785.57

La relacion entre el valor de una anualidad y las tasas de intés es que cuando el valor de la anualid
anualidad aumenta mientras los interese disminuyen

El valor futurp de la anualidad aumenta a medida que aumentan los intereses, y el valor futuro de
 pago
$ 9,000.00
12
10% ANUAL
𝑉𝑃𝐴=𝐶({1−[█(1@(1+𝑟) )]^𝑡 }/𝑟) DISMINUYE 5%
AUMENTA 15%

que cuando el valor de la anualidad cae los intereses aumentan y el valor presente de la

los intereses, y el valor futuro de la anualidad cae a medida que disminuyen los interes
 0

$ 250,000.00
TPA 6.8%
360 MESES
PAGO MENSUA $ 1,200.00

PAGO $1,629.81 ESTA DEBERIA SER MI CUOTA MENSUAL PERO YO NO PUEDO CUBRIR ESA CUOTA
 $1,407,483.94 VALOR FUTURO CON MI CAPACIDAD DE PAGOS
30
$1,911,612.99 VALOR FUTUO CASA

$504,129.05

O YO NO PUEDO CUBRIR ESA CUOTA

CON MI CAPACIDAD DE PAGOS
 AÑO FLUJO DE EFECTIVO VP VP XLS
1 $ 1,200.00 $1,090.91 $1,090.91 𝑉𝑃=𝐹𝐸/ 〖 (
2 $0.00
3 $ 2,400.00 $1,803.16 $1,803.16
4 $ 2,600.00 $1,775.83 $1,775.83
VPT $ 6,453.00
DESC. ANUAL 10%
VP2 $ 1,783.10
𝑉𝑃=𝐹𝐸/ 〖 (1+𝑟) 〗 ^𝑇
 $22,729.14 $39,052.89 $ 4,000.00 $ 4,000.00 $ 4,000.00
0 8 9
TASA DE DESC 7%

0 0 $22,729.14
1 0
2 0
3 0
4 0
5 0
6 0
7 0
8 0
9 $ 4,000.00
10 $ 4,000.00
11 $ 4,000.00
12 $ 4,000.00
13 $ 4,000.00
14 $ 4,000.00
15 $ 4,000.00
16 $ 4,000.00
17 $ 4,000.00
18 $ 4,000.00
19 $ 4,000.00
20 $ 4,000.00
21 $ 4,000.00
22 $ 4,000.00
23 $ 4,000.00
24 $ 4,000.00
25 $ 4,000.00
$ 4,000.00 $ 4,000.00
25
 1500 1500 1500 1500 1500
0 7
13% $102,387.66 9%
$41,415.70
$82,453.99
R: $123,869.69
1500 1500
 $ 1,200.00 $ 1,200.00 $ 1,200.00 $ 1,200.00
INV. A 0
ANUALIDAD 9.8% MENSUAL

va $126,594.49
INV. B 0
CAP. CONTINUA 9%
e 2.718281

𝑉𝐴=𝑉𝐹/
𝑉𝐹=𝑉𝐴 〖∗ (𝑒 〗 ^𝑇 ( 〖 (𝑒 〗 ^(𝑇𝑃𝐴∗𝑛)))
𝑃𝐴∗𝑛)
$ 1,200.00 $ 1,200.00 $ 1,200.00 $ 1,200.00 $ 1,200.00
15
$488,328.61

15
 Tasa de interes 15%
presamo $ 26,000.00

INT. SIM $ 3,900.00

$ 29,900.00
$ 2,491.67

$ 2,491.67 $ 2,491.67 $ 2,491.67 $ 2,491.67

0
$ 26,000.00

TASA MENSUA 2.219%

TPA 26.623%
TAE 30.124%
$ 2,491.67 $ 2,491.67 $ 2,491.67 $ 2,491.67 $ 2,491.67 $ 2,491.67 $ 2,491.67
12
 $ 10,000.00 $ 10,000.00 $ 10,000.00 $ 10,000.00
0
11%
A)
PAGO ANUAL $ 10,000.00
ANUALIDAD ORDINARIA O VENCIDA 0 VA $36,958.97
ANUALIDAD ANTICIPADA 1 VA $41,024.46

B)
ANUALIDAD ORDINARIA O VENCIDA 0 VF $62,278.01
C) ANUALIDAD ANTICIPADA 1 VF $69,128.60
$ 10,000.00 $ 10,000.00 $ 10,000.00 $ 10,000.00
5
 tiempo pago
ia 10.24% 1 $ 3,500.00 $3,500.00 $92,782.96
im 0.853% 2 $ 3,500.00 $7,029.87
pagos $ 3,500.00 3 $ 3,500.00 $10,589.85
vp= $ 3,500.00 4 $ 3,500.00 $14,180.22
5 $ 3,500.00 $17,801.23
6 $ 3,500.00 $21,453.13
VFA C{[(1+r)^t-1]/r}*(1+r) 7 $ 3,500.00 $25,136.20
VFA $ 92,782.96 8 $ 3,500.00 $28,850.69
$ 93,574.71 9 $ 3,500.00 $32,596.88
10 $ 3,500.00 $36,375.04
11 $ 3,500.00 $40,185.45
12 $ 3,500.00 $44,028.36
13 $ 3,500.00 $47,904.07
14 $ 3,500.00 $51,812.85
15 $ 3,500.00 $55,754.99
16 $ 3,500.00 $59,730.76
17 $ 3,500.00 $63,740.47
18 $ 3,500.00 $67,784.38
19 $ 3,500.00 $71,862.81
20 $ 3,500.00 $75,976.04
21 $ 3,500.00 $80,124.37
22 $ 3,500.00 $84,308.10
23 $ 3,500.00 $88,527.53
24 $ 3,500.00 $92,782.96
 $97,386.55
H1 15 AÑOS $114,645.88 $114,645.88
H2 17 AÑOS 0 15 17
GSTOS ANNUA 35000
T 8.50%
NPER 4 H1 $114,645.88
H2 $97,386.55
HT $212,032.43 PAGO $7,510.29
35000 35000
19 21
BONO $ 10,000.00 g 3.5%
SALARIO $ 45,000.00 10%

bono
0 salario $ 10,000.00
1 $ 45,000.00 $ 4,500.00 $ 49,500.00
2 $ 46,575.00 $ 4,657.50 $ 51,232.50
3 $ 48,205.12 $ 4,820.51 $ 53,025.64
4 $ 49,892.30 $ 4,989.23 $ 54,881.53
5 $ 51,638.54 $ 5,163.85 $ 56,802.39
6 $ 53,445.88 $ 5,344.59 $ 58,790.47
7 $ 55,316.49 $ 5,531.65 $ 60,848.14
8 $ 57,252.57 $ 5,725.26 $ 62,977.82
9 $ 59,256.41 $ 5,925.64 $ 65,182.05
10 $ 61,330.38 $ 6,133.04 $ 67,463.42
11 $ 63,476.94 $ 6,347.69 $ 69,824.64
12 $ 65,698.64 $ 6,569.86 $ 72,268.50
13 $ 67,998.09 $ 6,799.81 $ 74,797.90
14 $ 70,378.02 $ 7,037.80 $ 77,415.82
15 $ 72,841.25 $ 7,284.13 $ 80,125.38
16 $ 75,390.70 $ 7,539.07 $ 82,929.77
17 $ 78,029.37 $ 7,802.94 $ 85,832.31
18 $ 80,760.40 $ 8,076.04 $ 88,836.44
19 $ 83,587.01 $ 8,358.70 $ 91,945.72
20 $ 86,512.56 $ 8,651.26 $ 95,163.82
21 $ 89,540.50 $ 8,954.05 $ 98,494.55
22 $ 92,674.42 $ 9,267.44 $ 101,941.86
23 $ 95,918.02 $ 9,591.80 $ 105,509.82
24 $ 99,275.15 $ 9,927.52 $ 109,202.67
25 $ 102,749.78 $ 10,274.98 $ 113,024.76
Tasa Desc 12% 𝑉𝑃=𝐶[(1−((1+𝑔)/
(1+𝑟))^𝑇)/(𝑟−𝑔)]

$8,693,795.54
$401,823.62
 VF-Im
A) Nper 31 Valor $ 175,000.00 Impu
Tasa 28% VF

B) Nper Valor $ 530,000.00

Nper 30 $ 125,000.00
Tasa 28%

Tasa de descuento 10%

VA
$1,212,621,600.02
$471,575,066.68
$1,684,196,666.70 VA $63,175,990.54

$734,153,820.23 $42,603,293.34

$42,073,293.34
 c $ 1,500,000.00
g 3% $ 6,989.68 $ 6,989.68
10%
t 30 $ 70,000.00
VP = VF/(1+r)^t 3%
VP = $ 85,962.83

C= $ 6,989.68
%Salario 9.985%

1500000 41%
salario $ 70,000.00
g 3%
i 10%

años salario Inversiones Rendimiento}

0
1 $ 70,000.00 $ - $ -
2 $ 77,000.00 $ - $ -
3 $ 84,700.00 $ - $ -
4 $ 93,170.00 $ - $ -
5 $ 102,487.00 $ - $ -
6 $ 112,735.70 $ - $ -
7 $ 124,009.27 $ - $ -
8 $ 136,410.20 $ - $ -
9 $ 150,051.22 $ - $ -
10 $ 165,056.34 $ - $ -
11 $ 181,561.97 $ - $ -
12 $ 199,718.17 $ - $ -
13 $ 219,689.99 $ - $ -
14 $ 241,658.99 $ - $ -
15 $ 265,824.88 $ - $ -
16 $ 292,407.37 $ - $ -
17 $ 321,648.11 $ - $ -
18 $ 353,812.92 $ - $ -
19 $ 389,194.21 $ - $ -
20 $ 428,113.63 $ - $ -
21 $ 470,925.00 $ - $ -
22 $ 518,017.50 $ - $ -
23 $ 569,819.25 $ - $ -
24 $ 626,801.17 $ - $ -
25 $ 689,481.29 $ - $ -
26 $ 758,429.42 $ - $ -
27 $ 834,272.36 $ - $ -
28 $ 917,699.59 $ - $ -
29 ### $ - $ -
30 ### $ - $ -
$ - $ - $ -
$ 6,989.68 $ 6,989.68 $ 6,989.68
30 𝐶=𝑉𝑃/[(1−((1+𝑔)/
$1,149,761.13
(1+𝑟))^𝑇)/(𝑟−𝑔)]
###
−((1+𝑔)/
 25/2
0 1 2
$14,817.47
VA 25000 multa 1% $148.17
ANTICIPO 1000 $14,965.65
i 8.40% mensual liquidar $15,456.89
Deduda 24000
Pago mensual $491.24
5 1 1-Oct-07 $491.24
2 1-Nov-07 $491.24
3 1-Dec-07 $491.24
4 1-Jan-08 $491.24
5 1-Feb-08 $491.24
6 1-Mar-08 $491.24
7 1-Apr-08 $491.24
8 1-May-08 $491.24
9 1-Jun-08 $491.24
10 1-Jul-08 $491.24
11 1-Aug-08 $491.24
12 1-Sep-08 $491.24
13 1-Oct-08 $491.24
14 1-Nov-08 $491.24
15 1-Dec-08 $491.24
16 1-Jan-09 $491.24
17 1-Feb-09 $491.24
18 1-Mar-09 $491.24
19 1-Apr-09 $491.24
20 1-May-09 $491.24
21 1-Jun-09 $491.24
22 1-Jul-09 $491.24
23 1-Aug-09 $491.24
24 1-Sep-09 $491.24
25 1-Oct-09 $491.24
26 1-Nov-09 $491.24
27 1-Dec-09 $491.24 $14,817.47 148.1747417
28 1-Jan-10 $491.24
29 1-Feb-10 $491.24
30 1-Mar-10 $491.24
31 1-Apr-10 $491.24
32 1-May-10 $491.24
33 1-Jun-10 $491.24
34 1-Jul-10 $491.24
35 1-Aug-10 $491.24
36 1-Sep-10 $491.24
37 1-Oct-10 $491.24
38 1-Nov-10 $491.24
39 1-Dec-10 $491.24
40 1-Jan-11 $491.24
41 1-Feb-11 $491.24
42 1-Mar-11 $491.24
43 1-Apr-11 $491.24
44 1-May-11 $491.24
45 1-Jun-11 $491.24
46 1-Jul-11 $491.24
47 1-Aug-11 $491.24
48 1-Sep-11 $491.24
49 1-Oct-11 $491.24
50 1-Nov-11 $491.24
51 1-Dec-11 $491.24
52 1-Jan-12 $491.24
53 1-Feb-12 $491.24
54 1-Mar-12 $491.24
55 1-Apr-12 $491.24
56 1-May-12 $491.24
57 1-Jun-12 $491.24
58 1-Jul-12 $491.24
59 1-Aug-12 $491.24
60 1-Sep-12 $491.24
$14,965.65 $15,456.89
 $ 1,900.00 $ 1,900.00 $ 1,900.00 FF
1 ahorro 10 30
320000
ANTES DE JUBILARSE
TAE 11%
TPA 10.48%
VF PAGOS $400,121.62 $323,516,310.49

PRIMERO CALCULAR TPA VA JUBILACION $2,441,554.61

VA SOBRINO $214,548.21

VF CASA $2,579,939.69
$ 20,000.00 $ 20,000.00 $ 20,000.00 $ 20,000.00 $ 1,000,000.00
tiempo estimado de vida 20

DESPUES DE JUBILARSE
TAE 8%
TPA 7.72%
 TIEMPO SALARIO
0 $ 7,500,000.00
1 $ 4,200,000.00
2 $ 5,100,000.00
3 $ 5,900,000.00
4 $ 6,800,000.00
5 $ 7,400,000.00
6 $ 8,100,000.00

BONO $ 9,000,000.00
i 5% DIARIO
TASA TRIMESTRAL 1.258% ((1+(0.05/365))^(365/4))-1

OFERTA DEL CLUB $ 38,659,307.34

EXTRA $ 750,000.00
TOTAL $ 39,409,307.34
FALTA $ 30,409,307.34
PAGO $1,475,790.86
r= 16.279%
14%
0 1
$ 20,000.00

pago cuando es anualidad

DOLECIONAS Y TRANSTORNO 150000
COSTOS DE JUICIO 25000

1) TPA 8.649%
TAE 9%
1 2
VFA $43,705.55 $ 42,000.00 $ 45,000.00
VF $47,639.05

2) FVA $46,827.37
3) PVA $ 367,074.93
$ 198,332.55

LA INDEMNIZACION ASCENDERÁ A $467,798.97

 5
$ 49,000.00
PRESTAMO $ 10,000.00 $ 300.00 $ 9,700.00
i 9% + 3%
Tasa real TPA?
VF $10,900.00

TASA 12.37%
TAE 13.097%

$ 10,000.00
0
$ 9,700.00

0
$ 9,800.00

PRESTAMO $ 10,000.00 $ 200.00 $ 9,800.00

TASA 12% + 2%
TPA 14.29%
TAE 15.26%
TAE 14.29%
$10,900.00
1

$11,200.00
1
i 6.80%
Hipoteca 200000
t 30
prestamo 2100

Banco A
incluye TPA
TOTAL 202100
PAGOS $1,317.54
TASA 0.58% TASA QUE REALMENTE ME ESTAN COBRANDO MENSUALMENTE
TPA 6.90%
TAE 7.14%

Banco B
no Incluye TPA
TASA 6.80%
TAE 7.016%
 𝐶=𝑉𝑃𝐴/(({1−[█(1@(1+𝑟) )]^𝑡 }/𝑟))

ENSUALMENTE
 $1,080,483.76
35 65
$ 110,000.00

TASA 9%
PRIMERO VALORAR LA JUBILACION

A) $7,926.81 PAGO
B) $81,437.29
 25
90
$ 110,000.00 $ 110,000.00 $ 110,000.00 $ 110,000.00
 $1,348.05 $1,214.46 $1,230.87 $1,108.89 $1,110.00 $7,012.26
PAGOS 1 2 3 4 5 6
$ 800.00 $ 800.00 $ 900.00 $ 900.00 $ 1,000.00 $ 1,000.00
11%

No vale la pena comprar la poliza

 $ 350,000.00
65
$379,752.76
7%
$ 9,000.00 $ 9,000.00 $ 9,000.00 $ 9,000.00 $ 9,000.00 $ 9,000.00
12

〖 (1+𝑟) 〗 ^6−11000 〖 (1+𝑟

r
 $ 9,000.00 $ 20,000.00 $ 20,000.00 $ 20,000.00 $ 20,000.00
18 17 22

+𝑟) 〗 ^6−11000 〖 (1+𝑟) 〗 ^4+2900=0

8.07%_
 $ 8,500.00 $ 8,500.00 $ 8,500.00 $ 8,500.00
0 1 3 5 7

pago 8500
TPA = 13% 0.0356%
𝑇𝐴𝐸=[1+𝑇𝑃𝐴/𝑚]^𝑚−1
TAE = 29.69%
VPP = $ 28,632.06 VPP=fe/r (PERPETUIDAD EN EL MOMENTO MENOS UNO)
VP = $32,606.24 MOMENTO 0
VP = $22,077.81
 $ 8,500.00 $ 8,500.00 $ 8,500.00
9 11 13 15

𝐸=[1+𝑇𝑃𝐴/𝑚]^𝑚−1

TO MENOS UNO)
 SEMANAS 52
TASA 9% SEMANAL
A) TPA 468.00%
TAE 8734% suposicion
prestamo desc prestamo real
B) TASA 9% 9.89% $ 100.00 $ 9.00 $ 91.00
TPA 514.29%
TAE 13384.90%

C) TASA DESC 9% $ 100.00 $ 9.00 $ 91.00

PRESTAMO $ 100.00
t 4 SEMANAS TASA 25.48%
i $ 41.16 TPA 1324.9%
FONDOS P $ 58.54 TAE 13357714.1%
REEMBOLSAR $ 100.00
LIQUIDAR $ 25.00 SEMANAL
 72 100
6 0
9.1773 7.85% aquí le aplique la hipotesis

0.00 9.1773

9.1720
200