PROBLEMA 1 IPV=SIAP*TASA AC=PAGO-IPV

Valor de la deuda 20,000.00 Modelo de amortización

Número de pagos 12
Frecuencia de pago 12 PERIODO SIAP TASA
Tasa nominal 8% 1 20,000.00 0.67%
Frecuencia de capitalización 12 2 18,393.56 0.67%
3 16,776.42 0.67%
Tasa periodica 0.67% 4 15,148.49 0.67%
5 13,509.72 0.67%
VA= 20000 6 11,860.01 0.67%
R(VA)= $1,739.77 7 10,199.31 0.67%
8 8,527.54 0.67%
9 6,844.62 0.67%
10 5,150.48 0.67%
11 3,445.05 0.67%
12 1,728.25 0.67%

PROBLEMA 2
Valor del prestamo 40,000.00 Tabla de amortización
Frecuencias de pago 2
Plazo(años) 5 PERIODO SIAP TASA
Tasa nominal 10% 1 40,000.00 5.00%
Frecuencia de capitalización 2 2 36,819.82 5.00%
3 33,480.62 5.00%
Tasa periodica 5.00% 4 29,974.47 5.00%
Número de periodos 10 5 26,293.01 5.00%
6 22,427.48 5.00%
VA= 40,000.00 7 18,368.67 5.00%
R(VA)= $5,180.18 8 14,106.92 5.00%
9 9,632.09 5.00%
10 4,933.51 5.00%

PREGUNTA 3

Valor del prestamo 10,000.00 Modelo de amortización

Plazo (años) 3
Frecuencia de cuotas 4 PERIODO SIAP TASA
Tasa nominal 6% 1 10,000.00 1.50%
Frecuencia de capitalización 4 2 10,150.00 1.50%
3 10,302.25 1.50%
Tasa periodica 1.50% 4 10,456.78 1.50%
Numero de periódos 12 5 9,362.90 1.50%
6 8,252.61 1.50%
VF1= 10,456.78 7 7,125.67 1.50%
Ecuacion 8 5,981.82 1.50%
VA1= 10,456.78 9 4,820.81 1.50%
R(VA)= $1,250.73 10 3,642.39 1.50%
11 2,446.29 1.50%
12 1,232.25 1.50%

PROBLEMA 4

Valor del prestamo 60,000.00 Modelo de amortización

Tasa nominal 15%
Frecuencia de capitalización 12 PERIODO SIAP TASA
1 60,000.00 1.25%
Tasa periodica 1.25% 2 60,750.00 1.25%
Numero de periódos 18 3 61,509.38 1.25%
4 62,278.24 1.25%
VF1= 63,056.72 5 63,056.72 1.25%
Ecuacion de valor 6 58,907.26 1.25%
VA1= 63,056.72 7 54,705.94 1.25%
R(VA)= $4,937.67 8 50,452.10 1.25%
9 46,145.08 1.25%
10 41,784.23 1.25%
11 37,368.87 1.25%
12 32,898.31 1.25%
13 28,371.88 1.25%
14 23,788.86 1.25%
15 19,148.55 1.25%
16 14,450.25 1.25%
17 9,693.21 1.25%
18 4,876.71 1.25%
C=PAGO-IPV SIDP=SIAP-AC

Modelo de amortización

IPV PAGO AC SIDP

133.33 $1,739.77 $1,606.44 18,393.56 VA
122.62 $1,739.77 $1,617.14 16,776.42
111.84 $1,739.77 $1,627.93 15,148.49 1,739.77 1,739.77 1,739.77
100.99 $1,739.77 $1,638.78 13,509.72 0 1 2 3
90.06 $1,739.77 $1,649.70 11,860.01 20000
79.07 $1,739.77 $1,660.70 10,199.31
68.00 $1,739.77 $1,671.77 8,527.54 VA: Valor actual de R mensual desde 12-0 meses
56.85 $1,739.77 $1,682.92 6,844.62
45.63 $1,739.77 $1,694.14 5,150.48
34.34 $1,739.77 $1,705.43 3,445.05
22.97 $1,739.77 $1,716.80 1,728.25
11.52 $1,739.77 $1,728.25 -
877.22 $20,877.22 $20,000.00

Tabla de amortización

IPV PAGO AC SIDP VA

2,000.00 $5,180.18 $3,180.18 36,819.82
1,840.99 $5,180.18 $3,339.19 33,480.62 5,180.18 5,180.18 5,180.18
1,674.03 $5,180.18 $3,506.15 29,974.47 0 1 2 3
1,498.72 $5,180.18 $3,681.46 26,293.01 400000
1,314.65 $5,180.18 $3,865.53 22,427.48
1,121.37 $5,180.18 $4,058.81 18,368.67 VA: Valor actual de R mensual desde 10-0 semestres
918.43 $5,180.18 $4,261.75 14,106.92
705.35 $5,180.18 $4,474.84 9,632.09
481.60 $5,180.18 $4,698.58 4,933.51
246.68 $5,180.18 $4,933.51 0.00
11,801.83 $51,801.83 $40,000.00

Modelo de amortización

IPV PAGO AC SIDP

150.00 0 -150.00 10,150.00 VF
152.25 0 -152.25 10,302.25
154.53 0 -154.53 10,456.78
 156.85 $1,250.73 1,093.88 9,362.90 0 1 2 3
140.44 $1,250.73 1,110.29 8,252.61 10,000.00 X
123.79 $1,250.73 1,126.94 7,125.67
106.88 $1,250.73 1,143.85 5,981.82 VF1: Valor futuro de 100000 desde 0-3 trimestres
89.73 $1,250.73 1,161.01 4,820.81 VA2: Valor acual de pagos R desde 12-3 semestres
72.31 $1,250.73 1,178.42 3,642.39
54.64 $1,250.73 1,196.10 2,446.29
36.69 $1,250.73 1,214.04 1,232.25
18.48 $1,250.73 1,232.25 -
799.82 $11,256.61 $10,456.78

Modelo de amortización

IPV PAGO AC SIDP

750.00 0 -750.00 60,750.00 VF
759.37 0 -759.37 61,509.38
768.87 0 -768.87 62,278.24
778.48 0 -778.48 63,056.72 0 1 2 3
788.21 $4,937.67 4,149.46 58,907.26 60,000.00
736.34 $4,937.67 4,201.32 54,705.94
683.82 $4,937.67 4,253.84 50,452.10 VF1: Valor futuro de 100000 desde 0-4 meses
630.65 $4,937.67 4,307.01 46,145.08 VA2: Valor actual de pagos R desde 18-4 meses
576.81 $4,937.67 4,360.85 41,784.23
522.30 $4,937.67 4,415.36 37,368.87
467.11 $4,937.67 4,470.55 32,898.31
411.23 $4,937.67 4,526.44 28,371.88
354.65 $4,937.67 4,583.02 23,788.86
297.36 $4,937.67 4,640.30 19,148.55
239.36 $4,937.67 4,698.31 14,450.25
180.63 $4,937.67 4,757.04 9,693.21
121.17 $4,937.67 4,816.50 4,876.71
60.96 $4,937.67 4,876.71 -
6,849.08 $69,127.32 $62,278.24
 1,739.77 1,739.77 1,739.77 1,739.77 1,739.77 1,739.77 1,739.77 1,739.77 1,739.77
4 5 6 7 8 9 10 11 12

l desde 12-0 meses

5,180.18 5,180.18 5,180.18 5,180.18 5,180.18 5,180.18 5,180.18

4 5 6 7 8 9 10

l desde 10-0 semestres

VA

1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73

 4 5 6 7 8 9 10 11 12

esde 0-3 trimestres

sde 12-3 semestres

VA

1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73 1,250.73

4 5 …. …. …. … … 17 18
X

esde 0-4 meses

esde 18-4 meses
PROBLEMA 5

Valor de la deuda 80000 Modelo de amortización

Plazo(años) 8
Periodos de gracia(años) 3 PERIODO SIAP TASA
Tasa nominal 10% 1 80,000.00 5.00%
Frecuencia de capitalización 2 2 80,000.00 5.00%
3 80,000.00 5.00%
Tasa periodica 5.00% 4 80,000.00 5.00%
Número de periodos total 16 5 80,000.00 5.00%
Peridos de gracias 6 6 80,000.00 5.00%
Número de pagos 10 7 80,000.00 5.00%
8 73,639.63 5.00%
R1= Deuda*I 9 66,961.25 5.00%
R1= 4000 10 59,948.95 5.00%
11 52,586.03 5.00%
Ecuación de valor 12 44,854.96 5.00%
VA1= 80000 13 36,737.35 5.00%
R(VA1)= $10,360.37 14 28,213.85 5.00%
15 19,264.17 5.00%
16 9,867.02 5.00%

PROBLEMA 6

Valor de la deuda 100000 Modelo de amortización

Plazo (años) 5
Frecuencia de pagos anticipados 2 PERIODO SIAP TASA
Tasa nominal 8% 0 100,000.00
Frecuencia de capitalización 2 1 88,145.10 4.00%
2 79,816.01 4.00%
Tasa periodica 4.00% 3 71,153.75 4.00%
Número de pagos 10 4 62,145.00 4.00%
5 52,775.90 4.00%
Ecuacion de valor 100000 6 43,032.04 4.00%
7 32,898.42 4.00%
R(VA1)= $11,854.90 8 22,359.46 4.00%
9 11,398.94 4.00%

PROBLEMA 7

Valor deuda 70000 Modelo de amortización

Plazo (años) 7
Frecuencia de pago 1 PERIODO SIAP TASA
Tasa nominal 10% 1 70,000.00 10.25%
Frecuencia de capitalización 2 2 62,678.06 10.25%
3 54,605.62 10.25%
Tasa periodica 5.00% 4 45,705.76 10.25%
Tasa equivalente 10.25% 5 35,893.66 10.25%
Número de pagos 7 6 25,075.82 10.25%
7 13,149.15 10.25%
VA1= 70000
R(VA)= $14,496.94

PROBLEMA 8

Valor deuda 40000 Modelo de amortización

Plazo (años) 3
Frecuencia de pago 12 PERIODO SIAP TASA
Tasa nominal 8% 1 40,000.00 0.66%
Frecuencia de capitalización 4 2 39,012.43 0.66%
3 38,018.31 0.66%
Tasa periodica 2.00% 4 37,017.62 0.66%
Tasa equivalente 0.66% 5 36,010.29 0.66%
Número de pagos 36 6 34,996.30 0.66%
7 33,975.58 0.66%
VA1= 40000 8 32,948.11 0.66%
R(VA)= $1,252.48 9 31,913.84 0.66%
10 30,872.71 0.66%
11 29,824.69 0.66%
12 28,769.73 0.66%
13 27,707.78 0.66%
14 26,638.80 0.66%
15 25,562.74 0.66%
16 24,479.55 0.66%
17 23,389.19 0.66%
18 22,291.61 0.66%
19 21,186.76 0.66%
20 20,074.59 0.66%
21 18,955.06 0.66%
22 17,828.11 0.66%
23 16,693.70 0.66%
24 15,551.78 0.66%
25 14,402.29 0.66%
26 13,245.19 0.66%
27 12,080.43 0.66%
28 10,907.95 0.66%
29 9,727.71 0.66%
30 8,539.65 0.66%
31 7,343.73 0.66%
32 6,139.88 0.66%
33 4,928.06 0.66%
34 3,708.22 0.66%
35 2,480.30 0.66%
36 1,244.24 0.66%
Modelo de amortización

IPV PAGO AC SIDP

4,000.00 4000 - 80,000.00 VA
4,000.00 4000 - 80,000.00
4,000.00 4000 - 80,000.00 4,000.00 4,000.00 4,000.00
4,000.00 4000 - 80,000.00 0 1 … …
4,000.00 4000 - 80,000.00
4,000.00 4000 - 80,000.00
4,000.00 $10,360.37 6,360.37 73,639.63 VA: Valor actual de R mensual desde 12-0 meses
3,681.98 $10,360.37 6,678.38 66,961.25
3,348.06 $10,360.37 7,012.30 59,948.95 R1: Pago del interes periodico vencido
2,997.45 $10,360.37 7,362.92 52,586.03
2,629.30 $10,360.37 7,731.06 44,854.96
2,242.75 $10,360.37 8,117.62 36,737.35
1,836.87 $10,360.37 8,523.50 28,213.85
1,410.69 $10,360.37 8,949.67 19,264.17
963.21 $10,360.37 9,397.16 9,867.02
493.35 $10,360.37 9,867.02 0.00

Modelo de amortización VA1

IPV PAGO AC SIDP R R R R

$11,854.90 $11,854.90 88,145.10 0 1 2 3
3,525.80 $11,854.90 $8,329.09 79,816.01 100000
3,192.64 $11,854.90 $8,662.26 71,153.75
2,846.15 $11,854.90 $9,008.75 62,145.00
2,485.80 $11,854.90 $9,369.10 52,775.90 VA1: Valor actual de R semestral anticipado desde 10-0 sem
2,111.04 $11,854.90 $9,743.86 43,032.04
1,721.28 $11,854.90 $10,133.62 32,898.42
1,315.94 $11,854.90 $10,538.96 22,359.46
894.38 $11,854.90 $10,960.52 11,398.94
455.96 $11,854.90 $11,398.94 -

Modelo de amortización
 IPV PAGO AC SIDP
7,175.00 $14,496.94 $7,321.94 62,678.06
6,424.50 $14,496.94 $8,072.44 54,605.62 VA1
5,597.08 $14,496.94 $8,899.86 45,705.76
4,684.84 $14,496.94 $9,812.10 35,893.66 R R R
3,679.10 $14,496.94 $10,817.84 25,075.82 0 1 2 3
2,570.27 $14,496.94 $11,926.67 13,149.15 100000
1,347.79 $14,496.94 $13,149.15 -

VA: Valor del pgao anual desde 7-0 años

Modelo de amortización

IPV PAGO AC SIDP

264.91 $1,252.48 $987.57 39,012.43
258.37 $1,252.48 $994.11 38,018.31 VA1
251.78 $1,252.48 $1,000.70 37,017.62
245.16 $1,252.48 $1,007.32 36,010.29 R R R
238.49 $1,252.48 $1,014.00 34,996.30 0 1 2 ..
231.77 $1,252.48 $1,020.71 33,975.58 40000
225.01 $1,252.48 $1,027.47 32,948.11
218.21 $1,252.48 $1,034.28 31,913.84
211.36 $1,252.48 $1,041.13 30,872.71 VA: Valor del pgao R desde 36-0 meses
204.46 $1,252.48 $1,048.02 29,824.69
197.52 $1,252.48 $1,054.96 28,769.73
190.53 $1,252.48 $1,061.95 27,707.78
183.50 $1,252.48 $1,068.98 26,638.80
176.42 $1,252.48 $1,076.06 25,562.74
169.29 $1,252.48 $1,083.19 24,479.55
162.12 $1,252.48 $1,090.36 23,389.19
154.90 $1,252.48 $1,097.58 22,291.61
147.63 $1,252.48 $1,104.85 21,186.76
140.31 $1,252.48 $1,112.17 20,074.59
132.95 $1,252.48 $1,119.53 18,955.06
125.53 $1,252.48 $1,126.95 17,828.11
118.07 $1,252.48 $1,134.41 16,693.70
110.56 $1,252.48 $1,141.92 15,551.78
102.99 $1,252.48 $1,149.49 14,402.29
95.38 $1,252.48 $1,157.10 13,245.19
87.72 $1,252.48 $1,164.76 12,080.43
80.01 $1,252.48 $1,172.48 10,907.95
72.24 $1,252.48 $1,180.24 9,727.71
64.42 $1,252.48 $1,188.06 8,539.65
56.56 $1,252.48 $1,195.93 7,343.73
48.64 $1,252.48 $1,203.85 6,139.88
40.66 $1,252.48 $1,211.82 4,928.06
32.64 $1,252.48 $1,219.84 3,708.22
24.56 $1,252.48 $1,227.92 2,480.30
16.43 $1,252.48 $1,236.06 1,244.24
8.24 $1,252.48 $1,244.24 -
 VA1

4,000.00 4,000.00 10,360.37 10,360.37 10,360.37 10,360.37 10,360.37

5 6 7 .. … .. 16
80,000.00

l desde 12-0 meses

R R R R R R
4 5 6 7 8 9 10

al anticipado desde 10-0 semestres

R R R R
4 5 6 7

R R R R
… … 35 36
PROBLEMA 9

Valor deuda 80000 Modelo de amortización

Plazo(años) 5
Frecuencia de pagos 12 PERIODO SIAP TASA
Tasa nominal 10% 1 80,000.00 0.83%
Frecuencia de capitalización 12 2 78,966.90 0.83%
3 77,925.20 0.83%
Tasa periodica 0.83% ,,,
Número de pago 60 57
58 $5,015.47 0.83%
VA1= 80000 59 $3,357.50 0.83%
R(VA)= $1,699.76 60 $1,685.72 0.83%

VA2= $5,015.47
Ecuación de valor
VA2= $5,015.47

PROBLEMA 10

Valor de la deuda 5000 Modelo de amortización

Númer de pagos 6
Frecuencia de pagos 12 PERIODO SIAP TASA
Tasa nominal 1 5,000.00 2.79%
Frecuencia de capitalización 12 2 4,223.02 2.79%
Valor del pagos 916.72 3 3,424.33 2.79%
4 2,603.31 2.79%
Ecuacion de valor 5 1,759.35 2.79%
VA= 5000 6 891.80 2.79%
tasa= 2.79%
Modelo de amortización

IPV PAGO AC SIDP

666.67 $1,699.76 $1,033.10 78,966.90 VA1
658.06 $1,699.76 $1,041.71 77,925.20
649.38 $1,699.76 $1,050.39 76,874.81 R R R
… 0 1 2 3
$5,015.47 80000
$41.80 $1,699.76 $1,657.97 $3,357.50
$27.98 $1,699.76 $1,671.78 $1,685.72 VA1= Valor actual de R mensual es de 60-0 meses
$14.05 $1,699.76 $1,685.72 $-0.00 VA2= Valor actual de 1699,76 desde 60-57 meses

VA1
Modelo de amortización
916.72 916.72 916.72
IPV PAGO AC SIDP 0 1 2 3
139.74 $916.72 $776.98 4,223.02 0
118.03 $916.72 $798.69 3,424.33
95.70 $916.72 $821.02 2,603.31
72.76 $916.72 $843.96 1,759.35 VA1= Valor actual de 916,72 mensual desde 6-0 meses
49.17 $916.72 $867.55 891.80
24.92 $916.72 $891.80 0.00
 VA2

R R R R R R R R R
… … … … 56 57 58 59 60
X

l es de 60-0 meses
esde 60-57 meses

916.72 916.72 916.72

4 5 5 …

ensual desde 6-0 meses