1. La Cía. “Mi Tierra” S. de R.L.

esta solicitando un refinanciamiento de un préstamo en banco de Oc

préstamo es por el valor de L. 650,000.00 que será pagadero en dos años, de tal manera que el pri
cancele el 35% del capital y el resto en el siguiente año, para que así la empresa se recupere. El ba
La Cía. “Mi Tierra” realizar pagos mensuales iguales con una tasa del 32.5% nominal (pagadera me
Hallar el valor de los pagos del primer año y del segundo año. R/= primer año 33,901.73 segundo a
41,709.61

va= prestamo va= prestamo

TASA 2.70833% 32.5%/12 TASA
NPER 12 2 AÑOS NPER

VA 650,000.00 VALOR DEL PRESTAMO HOY VA

VF -422500 CONDICION 35% -100%=(65%*6
VF
TIPO 0 VENCIDO TIPO
PAGO= -L33,901.73 MENSUAL DURANTE 1 AÑO PAGO=

7. Una persona adquiere una lavadora cuyo precio es de $1,200.00, y la tienda le

da la le cargan oportunidad de pagarla con 18 mensualidades vencidas. ¿De
cuánto será cada mensualidad si 28% R/= 82.41

TASA 2.33333%
NPER 18
VA - 1,200.00
VF 0
TIPO 0
PAGO= L82.41
CUADRO DE AMORTIZACION
SALDO
INTERESES INSLUTO
(saldo insoluto APORTE A (saldo insoluto
anterior * tasa CAPITAL anterior-
efectiva del (pago- aporte a
PERIODO PAGO periodo) intereses) capital)
0 0 0 0 1,200.00
1 L82.41 28.00 L54.41 L1,145.59
2 L82.41 26.73 55.68 1,089.92
3 L82.41 25.43 56.98 1,032.94
4 L82.41 24.10 58.31 974.63
5 L82.41 22.74 59.67 914.97
6 L82.41 21.35 61.06 853.91
7 L82.41 19.92 62.48 791.43
8 L82.41 18.47 63.94 727.49
9 L82.41 16.97 65.43 662.05
10 L82.41 15.45 66.96 595.09
11 L82.41 13.89 68.52 526.57
12 L82.41 12.29 70.12 456.45
13 L82.41 10.65 71.76 384.69
 14 L82.41 8.98 73.43 311.26
15 L82.41 7.26 75.14 236.12
16 L82.41 5.51 76.90 159.22
17 L82.41 3.72 78.69 80.53
18 L82.41 1.88 80.53 - 0.00

3. Una persona debe un préstamo a un banco, por la cantidad de 180,000 al 11.99% nominal el cual
pagar con cuotas mensuales iguales durante 12 años. Transcurridos 72 meses, el banco baja la tasa
al 0.7625% mensual efectivo. Calcular las cuotas que debe pagar la persona, antes y después, de q
banco baje la tasa de interés. R/= antes: 2,363.06 después: 2,188.37

VA= PRESTAMO antes

TASA 0.99917% EFF J/M1
NPER 144 # DE CUOTAS EN TOTAL
VA - 180,000.00 PRESTAMO, precio de contado
VF 0 condicionte futura, y siempre es igual signo a los pagos
TIPO 0 0 vencida, 1 anticipada
PAGO= L2,363.06 mensuales

CALCULAR EL SALDO INSOLUTO A LOS 72 MESES

TASA 0.99917%
NPER 72
PAGO -L2,363.06
VA 180,000.00
TIPO 0
VF= -L120,903.85 EL SALDO POR PAGAR DESPUES DE 72 CUOTAS

CALCULO DE LOS PAGOS DESPUES DEL CAMBIO DE TASA

TASA 0.76250% NUEVA TASA
NPER 72 144-72=72
VA -L120,903.85 DEUADA POR PAGAR … calculo anterior
VF 0
TIPO 0
PAGO= L2,188.37

7. Una persona adquiere una lavadora cuyo precio es de $1,200.00, y la tienda le da la le

cargan oportunidad de pagarla con 18 mensualidades vencidas. ¿De cuánto será cada
mensualidad si 28% de interés capitalizable mensualmente?. R/= 82.41

TASA 2.33333%
NPER 18
VA -L1,200.00
VF 0
TIPO 0
PAGO= L82.41
CUADRO DE AMORTIZACION
INTERESES SALDO
(saldo insoluto APORTE A INSOLUTO
anterior*tasa CAPITAL(p (saldo insoluto
efectiva del ago- anterior-aporte
PERIODO PAGO periodo) intereses) a capital)
0 0 0 0 L1,200.00
1 L82.41 28.00 L54.41 L1,145.59
2 L82.41 26.73 L55.68 L1,089.92
3 L82.41 25.43 L56.98 L1,032.94
4 L82.41 24.10 L58.31 L974.63
5 L82.41 22.74 L59.67 L914.97
6 L82.41 21.35 L61.06 L853.91
7 L82.41 19.92 L62.48 L791.43
8 L82.41 18.47 L63.94 L727.49
9 L82.41 16.97 L65.43 L662.05
10 L82.41 15.45 L66.96 L595.09
11 L82.41 13.89 L68.52 L526.57
12 L82.41 12.29 L70.12 L456.45
13 L82.41 10.65 L71.76 L384.69
14 L82.41 8.98 L73.43 L311.26
15 L82.41 7.26 L75.14 L236.12
16 L82.41 5.51 L76.90 L159.22
17 L82.41 3.72 L78.69 L80.53
18 L82.41 1.88 L80.53 -L0.00
 de un préstamo en banco de Occidente; el
s años, de tal manera que el primer año se
sí la empresa se recupere. El banco le pide a
el 32.5% nominal (pagadera mensualmente);
primer año 33,901.73 segundo año

va= prestamo
2.70833% 32.5%/12
12 2 AÑOS
VALOR DEL PRESTAMO HOY DESPUES
-422,500.00 DE 1 AÑO
0
0 VENCIDO
L41,709.61 MENSUAL DURANTE EL SIGUIENTE AÑO

0, y la tienda le
ncidas. ¿De
 ,000 al 11.99% nominal el cual debe
72 meses, el banco baja la tasa de interés
a persona, antes y después, de que el
pués: 2,188.37

gno a los pagos

00.00, y la tienda le da la le
s. ¿De cuánto será cada
R/= 82.41
 5. Una persona desea acumular $ 300,000.00 realizando depósitos trimestrales vencidos de $
5,000.00 cada uno en un fondo de inversiones que paga un 12% convertible trimestralmente. Cuan
tiempo le tomará acumular la cantidad deseada?. (R/ n= 8 años y 9 meses aproximadamente).

acumular =VF=
TASA 3.00% TASA EFFVA J/M1
PAGO -5000 VALOR DE LOS DEPOSITOS IGUALES
VA 0 VALOR DEL UNICO DEPOSITO INICIAL O DE APERTURA igual signo al pa
VF 300,000.00 MONTO POR AHORRAR ACUMULAR
TIPO 0 0 VENCIDA. 1 ANTICIPADA
NPER= 34.832920792 # DE CUOTAS
CUADRO DE FONDO DE AMORTIZACION

SALDO
INTERESES ACUMULADO
PERIODO GANADOS saldo APORTE AL saldo acumulado
numero de acum anterior * FONDO deposito anterior+ aporte
depositos DEPOSITOS tasa del periodo + intereses al fondo
0 dep Inicial - - -
1 5000 - 5,000.00 5,000.00
2 5000 150.00 5,150.00 10,150.00
3 5000 304.50 5,304.50 15,454.50
4 5000 463.64 5,463.64 20,918.14
5 5000 627.54 5,627.54 26,545.68
6 5000 796.37 5,796.37 32,342.05
7 5000 970.26 5,970.26 38,312.31
8 5000 1,149.37 6,149.37 44,461.68
9 5000 1,333.85 6,333.85 50,795.53
10 5000 1,523.87 6,523.87 57,319.40
11 5000 1,719.58 6,719.58 64,038.98
12 5000 1,921.17 6,921.17 70,960.15
13 5000 2,128.80 7,128.80 78,088.95
14 5000 2,342.67 7,342.67 85,431.62
15 5000 2,562.95 7,562.95 92,994.57
16 5000 2,789.84 7,789.84 100,784.41
17 5000 3,023.53 8,023.53 108,807.94
18 5000 3,264.24 8,264.24 117,072.18
19 5000 3,512.17 8,512.17 125,584.34
20 5000 3,767.53 8,767.53 134,351.87
21 5000 4,030.56 9,030.56 143,382.43
22 5000 4,301.47 9,301.47 152,683.90
23 5000 4,580.52 9,580.52 162,264.42
24 5000 4,867.93 9,867.93 172,132.35
25 5000 5,163.97 10,163.97 182,296.32
26 5000 5,468.89 10,468.89 192,765.21
 27 5000 5,782.96 10,782.96 203,548.17
28 5000 6,106.45 11,106.45 214,654.61
29 5000 6,439.64 11,439.64 226,094.25
30 5000 6,782.83 11,782.83 237,877.08
31 5000 7,136.31 12,136.31 250,013.39
32 5000 7,500.40 12,500.40 262,513.79
33 5000 7,875.41 12,875.41 275,389.21
34 5000 8,261.68 13,261.68 288,650.88
35 2689.59 8,659.53 11,349.12 300,000.00

11. Una Cooperativa de empleados de una empresa, quiere llegar a tener un fondo de 50 millones p
comenzar una fundación de becas universitarias para los hijos de sus agremiados. Para llegar a esta
meta, la cooperativa de empleados puede realizar reservas trimestrales en una cuenta de inversion
que le puede pagar una tasa del 2% trimestral efectivo. Si la cooperativa piensa realizar depósitos
trimestrales de 1,250,000 en forma vencida, con cuantos depósitos y con que pago final (de ajuste)
tomaría a la cooperativa para llegar a su objetivo. (R/= 29.68225661 trimestres, se harán un total d
depósitos, de los cuales 28 serán por 1,250.000.00 y el último por 2,759,706.86; ó 30 depósitos en
de los cuales 29 serán por 1,250,000.00 y el depósito 30 por el ajuste 539,900.99)

acumular =VF=
TASA 2.00% TASA EFFVA J/M1
PAGO - 1,250,000.00 VALOR DE LOS DEPOSITOS IGUALES
VA 0 VALOR DEL UNICO DEPOSITO INICIAL O DE APERTURA igual signo al pa
VF 50,000,000.00 MONTO POR AHORRAR ACUMULAR
TIPO 0 VENCIDA. 1 ANTICIPADA
NPER= 29.682256607 # DE CUOTAS
CUADRO DE FONDO DE AMORTIZACION

SALDO
INTERESES ACUMULADO
PERIODO GANADOS saldo APORTE AL saldo acumulado
numero de acum anterior * FONDO deposito anterior+ aporte
depositos DEPOSITOS tasa del periodo + intereses al fondo
0 dep Inicial - - -
1 1250000 - 1,250,000.00 1,250,000.00
2 1250000 25,000.00 1,275,000.00 2,525,000.00
3 1250000 50,500.00 1,300,500.00 3,825,500.00
4 1250000 76,510.00 1,326,510.00 5,152,010.00
5 1250000 103,040.20 1,353,040.20 6,505,050.20
6 1250000 130,101.00 1,380,101.00 7,885,151.20
7 1250000 157,703.02 1,407,703.02 9,292,854.23
8 1250000 185,857.08 1,435,857.08 10,728,711.31
9 1250000 214,574.23 1,464,574.23 12,193,285.54
10 1250000 243,865.71 1,493,865.71 13,687,151.25
11 1250000 273,743.02 1,523,743.02 15,210,894.27
12 1250000 304,217.89 1,554,217.89 16,765,112.16
13 1250000 335,302.24 1,585,302.24 18,350,414.40
14 1250000 367,008.29 1,617,008.29 19,967,422.69
15 1250000 399,348.45 1,649,348.45 21,616,771.15
16 1250000 432,335.42 1,682,335.42 23,299,106.57
17 1250000 465,982.13 1,715,982.13 25,015,088.70
18 1250000 500,301.77 1,750,301.77 26,765,390.47
19 1250000 535,307.81 1,785,307.81 28,550,698.28
20 1250000 571,013.97 1,821,013.97 30,371,712.25
21 1250000 607,434.24 1,857,434.24 32,229,146.49
22 1250000 644,582.93 1,894,582.93 34,123,729.42
23 1250000 682,474.59 1,932,474.59 36,056,204.01
24 1250000 721,124.08 1,971,124.08 38,027,328.09
25 1250000 760,546.56 2,010,546.56 40,037,874.65
26 1250000 800,757.49 2,050,757.49 42,088,632.15
27 1250000 841,772.64 2,091,772.64 44,180,404.79
28 1250000 883,608.10 2,133,608.10 46,314,012.89
29 2759706.86 926,280.26 3,685,987.12 50,000,000.00
- 0.00
mestrales vencidos de $
ertible trimestralmente. Cuanto
eses aproximadamente).

APERTURA igual signo al pago

 er un fondo de 50 millones para
gremiados. Para llegar a esta
s en una cuenta de inversiones
va piensa realizar depósitos
on que pago final (de ajuste), le
rimestres, se harán un total de 29
9,706.86; ó 30 depósitos en total,
539,900.99)

APERTURA igual signo al pago

50,000,000.00
 12.- Cuanto tiempo (meses) le tomaría a una persona y con qué pago final (de ajuste), pagar un
préstamo de 745,000 en el Banco Popular, si este cobra una tasa de interés del 18% pagadera
mensualmente y las cuotas mensuales que puede realizar la persona son de 11,580.00.
(R/= 225.215592 meses, es decir que se harán 225 pagos de los cuales 224 pagos de 11,580.00 ca
y uno de ajuste por 14,054.05; ó 226 pagos de los cuales 225 por 11580.00 y un ultimo a los 226 m
por 2,523.53)

PRESTAMO= VA
TASA 1.500% EFECTIVA CARGADA J/M1
PAGO 11580 PAGOS IGUALES
VA -745000 VALOR DEL PRESTAMO, VALOR DEL CREDITO-PRIMA, VALOR DE CONTADO-
VF 0 SOLO ES UNA CONDICIONANTE…PENDIENTE POR PAGAR, igual signo al pag
TIPO 0 vencida
NPER 225.216 buscamos el numero de cuotas
CUADRO DE AMORTIZACION

INTERESES (saldo
insoluto
anterior*tasa APORTE A
efectiva del CAPITAL(pago-
PERIODO PAGO periodo) intereses)
0 no prima 0 0
#NAME? L11,580.00 11,175.00 L405.00
#NAME? L11,580.00 11,168.93 L411.08
#NAME? L11,580.00 11,162.76 L417.24
#NAME? L11,580.00 11,156.50 L423.50
#NAME? L11,580.00 11,150.15 L429.85
#NAME? L11,580.00 11,143.70 L436.30
#NAME? L11,580.00 11,137.16 L442.84
#NAME? L11,580.00 11,130.51 L449.49
#NAME? L11,580.00 11,123.77 L456.23
#NAME? L11,580.00 11,116.93 L463.07
#NAME? L11,580.00 11,109.98 L470.02
#NAME? L11,580.00 11,102.93 L477.07
#NAME? L11,580.00 11,095.77 L484.23
#NAME? L11,580.00 11,088.51 L491.49
#NAME? L11,580.00 11,081.14 L498.86
#NAME? L11,580.00 11,073.66 L506.34
#NAME? L11,580.00 11,066.06 L513.94
#NAME? L11,580.00 11,058.35 L521.65
#NAME? L11,580.00 11,050.53 L529.47
#NAME? L11,580.00 11,042.58 L537.42
#NAME? L11,580.00 11,034.52 L545.48
#NAME? L11,580.00 11,026.34 L553.66
#NAME? L11,580.00 11,018.04 L561.96
#NAME? L11,580.00 11,009.61 L570.39
#NAME? L11,580.00 11,001.05 L578.95
#NAME? L11,580.00 10,992.37 L587.63
#NAME? L11,580.00 10,983.55 L596.45
#NAME? L11,580.00 10,974.61 L605.39
#NAME? L11,580.00 10,965.53 L614.47
#NAME? L11,580.00 10,956.31 L623.69
#NAME? L11,580.00 10,946.95 L633.05
#NAME? L11,580.00 10,937.46 L642.54
#NAME? L11,580.00 10,927.82 L652.18
#NAME? L11,580.00 10,918.04 L661.96
#NAME? L11,580.00 10,908.11 L671.89
#NAME? L11,580.00 10,898.03 L681.97
#NAME? L11,580.00 10,887.80 L692.20
#NAME? L11,580.00 10,877.42 L702.58
#NAME? L11,580.00 10,866.88 L713.12
#NAME? L11,580.00 10,856.18 L723.82
#NAME? L11,580.00 10,845.32 L734.68
#NAME? L11,580.00 10,834.30 L745.70
#NAME? L11,580.00 10,823.12 L756.88
#NAME? L11,580.00 10,811.76 L768.24
#NAME? L11,580.00 10,800.24 L779.76
#NAME? L11,580.00 10,788.54 L791.46
#NAME? L11,580.00 10,776.67 L803.33
#NAME? L11,580.00 10,764.62 L815.38
#NAME? L11,580.00 10,752.39 L827.61
#NAME? L11,580.00 10,739.98 L840.02
#NAME? L11,580.00 10,727.38 L852.62
#NAME? L11,580.00 10,714.59 L865.41
#NAME? L11,580.00 10,701.61 L878.39
#NAME? L11,580.00 10,688.43 L891.57
#NAME? L11,580.00 10,675.06 L904.94
#NAME? L11,580.00 10,661.48 L918.52
#NAME? L11,580.00 10,647.70 L932.30
#NAME? L11,580.00 10,633.72 L946.28
#NAME? L11,580.00 10,619.53 L960.47
#NAME? L11,580.00 10,605.12 L974.88
#NAME? L11,580.00 10,590.50 L989.50
#NAME? L11,580.00 10,575.65 L1,004.35
#NAME? L11,580.00 10,560.59 L1,019.41
#NAME? L11,580.00 10,545.30 L1,034.70
#NAME? L11,580.00 10,529.78 L1,050.22
#NAME? L11,580.00 10,514.02 L1,065.98
#NAME? L11,580.00 10,498.03 L1,081.97
#NAME? L11,580.00 10,481.80 L1,098.20
#NAME? L11,580.00 10,465.33 L1,114.67
#NAME? L11,580.00 10,448.61 L1,131.39
#NAME? L11,580.00 10,431.64 L1,148.36
#NAME? L11,580.00 10,414.41 L1,165.59
#NAME? L11,580.00 10,396.93 L1,183.07
#NAME? L11,580.00 10,379.18 L1,200.82
#NAME? L11,580.00 10,361.17 L1,218.83
#NAME? L11,580.00 10,342.89 L1,237.11
#NAME? L11,580.00 10,324.33 L1,255.67
#NAME? L11,580.00 10,305.50 L1,274.50
#NAME? L11,580.00 10,286.38 L1,293.62
#NAME? L11,580.00 10,266.98 L1,313.02
#NAME? L11,580.00 10,247.28 L1,332.72
#NAME? L11,580.00 10,227.29 L1,352.71
#NAME? L11,580.00 10,207.00 L1,373.00
#NAME? L11,580.00 10,186.41 L1,393.59
#NAME? L11,580.00 10,165.50 L1,414.50
#NAME? L11,580.00 10,144.28 L1,435.72
#NAME? L11,580.00 10,122.75 L1,457.25
#NAME? L11,580.00 10,100.89 L1,479.11
#NAME? L11,580.00 10,078.70 L1,501.30
#NAME? L11,580.00 10,056.18 L1,523.82
#NAME? L11,580.00 10,033.33 L1,546.67
#NAME? L11,580.00 10,010.13 L1,569.87
#NAME? L11,580.00 9,986.58 L1,593.42
#NAME? L11,580.00 9,962.68 L1,617.32
#NAME? L11,580.00 9,938.42 L1,641.58
#NAME? L11,580.00 9,913.79 L1,666.21
#NAME? L11,580.00 9,888.80 L1,691.20
#NAME? L11,580.00 9,863.43 L1,716.57
#NAME? L11,580.00 9,837.68 L1,742.32
#NAME? L11,580.00 9,811.55 L1,768.45
#NAME? L11,580.00 9,785.02 L1,794.98
#NAME? L11,580.00 9,758.10 L1,821.90
#NAME? L11,580.00 9,730.77 L1,849.23
#NAME? L11,580.00 9,703.03 L1,876.97
#NAME? L11,580.00 9,674.88 L1,905.12
#NAME? L11,580.00 9,646.30 L1,933.70
#NAME? L11,580.00 9,617.29 L1,962.71
#NAME? L11,580.00 9,587.85 L1,992.15
#NAME? L11,580.00 9,557.97 L2,022.03
#NAME? L11,580.00 9,527.64 L2,052.36
#NAME? L11,580.00 9,496.85 L2,083.15
#NAME? L11,580.00 9,465.61 L2,114.39
#NAME? L11,580.00 9,433.89 L2,146.11
#NAME? L11,580.00 9,401.70 L2,178.30
#NAME? L11,580.00 9,369.02 L2,210.98
#NAME? L11,580.00 9,335.86 L2,244.14
#NAME? L11,580.00 9,302.20 L2,277.80
#NAME? L11,580.00 9,268.03 L2,311.97
#NAME? L11,580.00 9,233.35 L2,346.65
#NAME? L11,580.00 9,198.15 L2,381.85
#NAME? L11,580.00 9,162.42 L2,417.58
#NAME? L11,580.00 9,126.16 L2,453.84
#NAME? L11,580.00 9,089.35 L2,490.65
#NAME? L11,580.00 9,051.99 L2,528.01
#NAME? L11,580.00 9,014.07 L2,565.93
#NAME? L11,580.00 8,975.58 L2,604.42
#NAME? L11,580.00 8,936.52 L2,643.48
#NAME? L11,580.00 8,896.87 L2,683.13
#NAME? L11,580.00 8,856.62 L2,723.38
#NAME? L11,580.00 8,815.77 L2,764.23
#NAME? L11,580.00 8,774.30 L2,805.70
#NAME? L11,580.00 8,732.22 L2,847.78
#NAME? L11,580.00 8,689.50 L2,890.50
#NAME? L11,580.00 8,646.15 L2,933.85
#NAME? L11,580.00 8,602.14 L2,977.86
#NAME? L11,580.00 8,557.47 L3,022.53
#NAME? L11,580.00 8,512.13 L3,067.87
#NAME? L11,580.00 8,466.11 L3,113.89
#NAME? L11,580.00 8,419.40 L3,160.60
#NAME? L11,580.00 8,372.00 L3,208.00
#NAME? L11,580.00 8,323.88 L3,256.12
#NAME? L11,580.00 8,275.03 L3,304.97
#NAME? L11,580.00 8,225.46 L3,354.54
#NAME? L11,580.00 8,175.14 L3,404.86
#NAME? L11,580.00 8,124.07 L3,455.93
#NAME? L11,580.00 8,072.23 L3,507.77
#NAME? L11,580.00 8,019.61 L3,560.39
#NAME? L11,580.00 7,966.21 L3,613.79
#NAME? L11,580.00 7,912.00 L3,668.00
#NAME? L11,580.00 7,856.98 L3,723.02
#NAME? L11,580.00 7,801.14 L3,778.86
#NAME? L11,580.00 7,744.45 L3,835.55
#NAME? L11,580.00 7,686.92 L3,893.08
#NAME? L11,580.00 7,628.52 L3,951.48
#NAME? L11,580.00 7,569.25 L4,010.75
#NAME? L11,580.00 7,509.09 L4,070.91
#NAME? L11,580.00 7,448.03 L4,131.97
#NAME? L11,580.00 7,386.05 L4,193.95
#NAME? L11,580.00 7,323.14 L4,256.86
#NAME? L11,580.00 7,259.28 L4,320.72
#NAME? L11,580.00 7,194.47 L4,385.53
#NAME? L11,580.00 7,128.69 L4,451.31
#NAME? L11,580.00 7,061.92 L4,518.08
#NAME? L11,580.00 6,994.15 L4,585.85
#NAME? L11,580.00 6,925.36 L4,654.64
#NAME? L11,580.00 6,855.54 L4,724.46
#NAME? L11,580.00 6,784.68 L4,795.32
#NAME? L11,580.00 6,712.75 L4,867.25
#NAME? L11,580.00 6,639.74 L4,940.26
#NAME? L11,580.00 6,565.63 L5,014.37
#NAME? L11,580.00 6,490.42 L5,089.58
#NAME? L11,580.00 6,414.07 L5,165.93
#NAME? L11,580.00 6,336.58 L5,243.42
#NAME? L11,580.00 6,257.93 L5,322.07
#NAME? L11,580.00 6,178.10 L5,401.90
#NAME? L11,580.00 6,097.07 L5,482.93
#NAME? L11,580.00 6,014.83 L5,565.17
#NAME? L11,580.00 5,931.35 L5,648.65
#NAME? L11,580.00 5,846.62 L5,733.38
#NAME? L11,580.00 5,760.62 L5,819.38
#NAME? L11,580.00 5,673.33 L5,906.67
#NAME? L11,580.00 5,584.73 L5,995.27
#NAME? L11,580.00 5,494.80 L6,085.20
#NAME? L11,580.00 5,403.52 L6,176.48
#NAME? L11,580.00 5,310.88 L6,269.12
#NAME? L11,580.00 5,216.84 L6,363.16
#NAME? L11,580.00 5,121.39 L6,458.61
#NAME? L11,580.00 5,024.51 L6,555.49
#NAME? L11,580.00 4,926.18 L6,653.82
#NAME? L11,580.00 4,826.37 L6,753.63
#NAME? L11,580.00 4,725.07 L6,854.93
#NAME? L11,580.00 4,622.25 L6,957.75
#NAME? L11,580.00 4,517.88 L7,062.12
#NAME? L11,580.00 4,411.95 L7,168.05
#NAME? L11,580.00 4,304.43 L7,275.57
#NAME? L11,580.00 4,195.29 L7,384.71
#NAME? L11,580.00 4,084.52 L7,495.48
#NAME? L11,580.00 3,972.09 L7,607.91
#NAME? L11,580.00 3,857.97 L7,722.03
#NAME? L11,580.00 3,742.14 L7,837.86
#NAME? L11,580.00 3,624.57 L7,955.43
#NAME? L11,580.00 3,505.24 L8,074.76
#NAME? L11,580.00 3,384.12 L8,195.88
#NAME? L11,580.00 3,261.18 L8,318.82
#NAME? L11,580.00 3,136.40 L8,443.60
#NAME? L11,580.00 3,009.75 L8,570.25
#NAME? L11,580.00 2,881.19 L8,698.81
#NAME? L11,580.00 2,750.71 L8,829.29
#NAME? L11,580.00 2,618.27 L8,961.73
#NAME? L11,580.00 2,483.84 L9,096.16
#NAME? L11,580.00 2,347.40 L9,232.60
#NAME? L11,580.00 2,208.91 L9,371.09
#NAME? L11,580.00 2,068.35 L9,511.65
#NAME? L11,580.00 1,925.67 L9,654.33
#NAME? L11,580.00 1,780.86 L9,799.14
#NAME? L11,580.00 1,633.87 L9,946.13
#NAME? L11,580.00 1,484.68 L10,095.32
#NAME? L11,580.00 1,333.25 L10,246.75
#NAME? L11,580.00 1,179.55 L10,400.45
#NAME? L11,580.00 1,023.54 L10,556.46
#NAME? L11,580.00 865.19 L10,714.81
#NAME? L11,580.00 704.47 L10,875.53
#NAME? L11,580.00 541.34 L11,038.66
#NAME? L11,580.00 375.76 L11,204.24
#NAME? L14,054.05 207.70 L13,846.35
11580+2474.05
qué pago final (de ajuste), pagar un
a tasa de interés del 18% pagadera
la persona son de 11,580.00.
e los cuales 224 pagos de 11,580.00 cada uno
25 por 11580.00 y un ultimo a los 226 mese

CREDITO-PRIMA, VALOR DE CONTADO-PRIMA

NDIENTE POR PAGAR, igual signo al pago

SALDO INSOLUTO
(saldo insoluto
anterior-aporte a
capital)
L745,000.00
L744,595.00
L744,183.93
L743,766.68
L743,343.18
L742,913.33
L742,477.03
L742,034.19
L741,584.70
L741,128.47
L740,665.40
L740,195.38
L739,718.31
L739,234.08
L738,742.60
L738,243.73
L737,737.39
L737,223.45
L736,701.80
L736,172.33
L735,634.91
L735,089.44
L734,535.78
L733,973.82
L733,403.42
L732,824.48
L732,236.84
L731,640.40
L731,035.00
L730,420.53
L729,796.83
L729,163.79
L728,521.24
L727,869.06
L727,207.10
L726,535.20
L725,853.23
L725,161.03
L724,458.45
L723,745.32
L723,021.50
L722,286.83
L721,541.13
L720,784.24
L720,016.01
L719,236.25
L718,444.79
L717,641.46
L716,826.09
L715,998.48
L715,158.45
L714,305.83
L713,440.42
L712,562.03
L711,670.46
L710,765.51
L709,847.00
L708,914.70
L707,968.42
L707,007.95
L706,033.07
L705,043.56
L704,039.22
L703,019.80
L701,985.10
L700,934.88
L699,868.90
L698,786.93
L697,688.74
L696,574.07
L695,442.68
L694,294.32
L693,128.74
L691,945.67
L690,744.85
L689,526.02
L688,288.91
L687,033.25
L685,758.75
L684,465.13
L683,152.10
L681,819.39
L680,466.68
L679,093.68
L677,700.08
L676,285.58
L674,849.87
L673,392.62
L671,913.50
L670,412.21
L668,888.39
L667,341.72
L665,771.84
L664,178.42
L662,561.10
L660,919.51
L659,253.30
L657,562.10
L655,845.54
L654,103.22
L652,334.77
L650,539.79
L648,717.89
L646,868.65
L644,991.68
L643,086.56
L641,152.86
L639,190.15
L637,198.00
L635,175.97
L633,123.61
L631,040.47
L628,926.07
L626,779.96
L624,601.66
L622,390.69
L620,146.55
L617,868.75
L615,556.78
L613,210.13
L610,828.28
L608,410.71
L605,956.87
L603,466.22
L600,938.21
L598,372.29
L595,767.87
L593,124.39
L590,441.26
L587,717.87
L584,953.64
L582,147.95
L579,300.17
L576,409.67
L573,475.81
L570,497.95
L567,475.42
L564,407.55
L561,293.66
L558,133.07
L554,925.07
L551,668.94
L548,363.98
L545,009.44
L541,604.58
L538,148.65
L534,640.87
L531,080.49
L527,466.70
L523,798.70
L520,075.68
L516,296.81
L512,461.26
L508,568.18
L504,616.71
L500,605.96
L496,535.05
L492,403.07
L488,209.12
L483,952.25
L479,631.54
L475,246.01
L470,794.70
L466,276.62
L461,690.77
L457,036.13
L452,311.67
L447,516.35
L442,649.09
L437,708.83
L432,694.46
L427,604.88
L422,438.95
L417,195.54
L411,873.47
L406,471.57
L400,988.65
L395,423.48
L389,774.83
L384,041.45
L378,222.07
L372,315.40
L366,320.13
L360,234.94
L354,058.46
L347,789.34
L341,426.18
L334,967.57
L328,412.08
L321,758.27
L315,004.64
L308,149.71
L301,191.95
L294,129.83
L286,961.78
L279,686.21
L272,301.50
L264,806.02
L257,198.11
L249,476.09
L241,638.23
L233,682.80
L225,608.04
L217,412.16
L209,093.35
L200,649.75
L192,079.49
L183,380.68
L174,551.39
L165,589.67
L156,493.51
L147,260.91
L137,889.83
L128,378.17
L118,723.85
L108,924.70
L98,978.57
L88,883.25
L78,636.50
L68,236.05
L57,679.59
L46,964.78
L36,089.26
L25,050.59
L13,846.35
-L0.00
 9.- Una empresa Público Privada, que se enmarca en el área de energía renovable, quiere llegar a
millones para comenzar una fundación de Becas estudiantiles (como parte de su programa de Res
Empresarial RSE). Para llegar a esta meta, la empresa puede realizar reservas semestrales de 750
una cuenta de inversiones que le puede pagar una tasa del 2.5% semestral efectivo. Con cuánt
qué pago final (de ajuste) le tomaría a la empresa llegar a su objetivo. (R/= 24.5472528 semestre
harán 24 depósitos, de los cuales 23 son por 750,000 cada uno y un último por 1,488,221.51 ó 2
de los cuáles 24 son por 750,000 cada uno y el depósito 25 por 131,677.05)

FONDO =VF=
TASA 2.50% TASA EFFVA J/M1
PAGO - 750,000.00 VALOR DE LOS DEPOSITOS IGUALES, RESERVAS
VA 0 VALOR DEL UNICO DEPOSITO INICIAL O DE APERTURA igual signo al pa
VF 25,000,000.00 FONDO MONTO POR AHORRAR ACUMULAR
TIPO 0 0 VENCIDA. 1 ANTICIPADA
NPER= 24.5473 # DE CUOTAS
CUADRO DE FONDO DE AMORTIZACION

INTERESES
GANADOS SALDO
saldo acum ACUMULADO
PERIODO anterior * APORTE AL saldo acumulado
numero de tasa del FONDO deposito anterior+ aporte al
depositos DEPOSITOS periodo + intereses fondo
0 dep Inicial - - -
#NAME? 750,000.00 - 750,000.00 750,000.00
#NAME? 750,000.00 18,750.00 768,750.00 1,518,750.00
#NAME? 750,000.00 37,968.75 787,968.75 2,306,718.75
#NAME? 750,000.00 57,667.97 807,667.97 3,114,386.72
#NAME? 750,000.00 77,859.67 827,859.67 3,942,246.39
#NAME? 750,000.00 98,556.16 848,556.16 4,790,802.55
#NAME? 750,000.00 119,770.06 869,770.06 5,660,572.61
#NAME? 750,000.00 141,514.32 891,514.32 6,552,086.93
#NAME? 750,000.00 163,802.17 913,802.17 7,465,889.10
#NAME? 750,000.00 186,647.23 936,647.23 8,402,536.33
#NAME? 750,000.00 210,063.41 960,063.41 9,362,599.73
#NAME? 750,000.00 234,064.99 984,064.99 10,346,664.73
#NAME? 750,000.00 258,666.62 1,008,666.62 11,355,331.35
#NAME? 750,000.00 283,883.28 1,033,883.28 12,389,214.63
#NAME? 750,000.00 309,730.37 1,059,730.37 13,448,944.99
#NAME? 750,000.00 336,223.62 1,086,223.62 14,535,168.62
#NAME? 750,000.00 363,379.22 1,113,379.22 15,648,547.84
#NAME? 750,000.00 391,213.70 1,141,213.70 16,789,761.53
#NAME? 750,000.00 419,744.04 1,169,744.04 17,959,505.57
#NAME? 750,000.00 448,987.64 1,198,987.64 19,158,493.21
#NAME? 750,000.00 478,962.33 1,228,962.33 20,387,455.54
#NAME? 750,000.00 509,686.39 1,259,686.39 21,647,141.93
#NAME? 750,000.00 541,178.55 1,291,178.55 22,938,320.48
#NAME? 750,000.00 573,458.01 1,323,458.01 24,261,778.49
#NAME? 131,677.05 606,544.46 738,221.51 25,000,000.00
a renovable, quiere llegar a tener un fondo de 25
arte de su programa de Responsabilidad Social
eservas semestrales de 750,000 cada una en
estral efectivo. Con cuántos depósitos y con
(R/= 24.5472528 semestres, es decir que se
ltimo por 1,488,221.51 ó 25 depósitos en total,
77.05)

APERTURA igual signo al pago

 25,000,000.00
25,618,322.95
618,322.95
- 750,000.00
- 131,677.05