ACTIVIDAD 1

a)
Dado que en el Mtodo Francs se tienen pagos fijos para m periodos, quiere decir
que "m" veces se realizar un pago por el mismo monto, por lo tanto, Cmo crees
que se pueda estimar el Pago Total a realizar? Deduce una frmula tomando como
base la frmula de cuotas fijas.

Total

C*r
1- ( 1 + r )

-m

b)
Considerando que el Pago Total cubre todo el capital y todos los intereses generados
a lo largo de m periodos, deduce una frmula para calcular slo el monto de los
intereses totales, apyate de la frmula encontrada en el ejercicio anterior.

Interes

C*r
1- ( 1 + r )

-m

m -

Mtodo Francs
ACTIVIDAD 2
Valor del prstamo
TNA
periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

Periodo
1
2
3
4
5
6
7
8

17,500
16.4000%
24
5.4667%
8

Capital
17,500.00
15,697.73
13,796.93
11,792.23
9,677.93
7,448.05
5,096.28
2,615.93

Monto Fijo
Total a pagar
Intertes
Tasa Efectiva

Pago Fijo

Interes

2758.94
2758.94
2758.94
2758.94
2758.94
2758.94
2758.94
2758.94

5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%

2758.94
22071.50
4571.50
26.1229%

Monto de los
intereses
956.67
858.14
754.23
644.64
529.06
407.16
278.60
143.00

Abono al
capital
1802.27
1900.80
2004.71
2114.30
2229.88
2351.78
2480.34
2615.93

Saldo
Actual
15,697.73
13,796.93
11,792.23
9,677.93
7,448.05
5,096.28
2,615.93
0.00

Abono al
capital
1947.52
2001.08
2056.11
2112.65
2170.75
2230.45
2291.78
2354.81
2419.56
2486.10
2554.47
2624.72

Saldo
Actual
25,302.48
23,301.40
21,245.29
19,132.64
16,961.89
14,731.44
12,439.66
10,084.85
7,665.29
5,179.19
2,624.72
0.00

TIENDA A
Valor del prstamo
TNA
periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

Periodo
1
2
3
4
5
6
7
8
9
10
11
12

27,250
33%
12
2.7500%
12

Capital
27,250.00
25,302.48
23,301.40
21,245.29
19,132.64
16,961.89
14,731.44
12,439.66
10,084.85
7,665.29
5,179.19
2,624.72

Monto Fijo
Total a pagar
Intertes
Tasa Efectiva

Pago Fijo
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90
2696.90

Interes
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%

2696.90
32362.77
5112.77
18.7625%

Monto de los
intereses
749.38
695.82
640.79
584.25
526.15
466.45
405.11
342.09
277.33
210.80
142.43
72.18

TIENDA B
Capital
Tasa de interes Anual
Periodicidad al ao
Tasa Nominal
Periodos (m)

Periodo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

26,500
16%
48
0.3333%
96

Capital
26,500.00
26,265.32
26,029.85
25,793.60
25,556.57
25,318.74
25,080.12
24,840.70
24,600.49
24,359.48
24,117.66
23,875.03
23,631.60
23,387.36
23,142.30
22,896.43
22,649.73
22,402.21
22,153.87
21,904.70
21,654.70
21,403.87
21,152.20
20,899.69
20,646.34
20,392.15
20,137.11
19,881.21
19,624.47
19,366.87
19,108.41
18,849.09
18,588.90
18,327.85
18,065.93
17,803.13
17,539.46
17,274.91
17,009.47
16,743.16
16,475.95
16,207.85
15,938.86
15,668.98
15,398.19
15,126.50

Monto Fijo
Total a pagar
Intertes
Tasa Efectiva

Pago Fijo
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02

Interes
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%

Mtodo Francs
ACTIVIDAD 2

323.02
31009.52
4509.52
17.0170%

Monto de los
intereses
88.33
87.55
86.77
85.98
85.19
84.40
83.60
82.80
82.00
81.20
80.39
79.58
78.77
77.96
77.14
76.32
75.50
74.67
73.85
73.02
72.18
71.35
70.51
69.67
68.82
67.97
67.12
66.27
65.41
64.56
63.69
62.83
61.96
61.09
60.22
59.34
58.46
57.58
56.70
55.81
54.92
54.03
53.13
52.23
51.33
50.42

Abono al
capital
234.68
235.46
236.25
237.04
237.83
238.62
239.42
240.21
241.01
241.82
242.62
243.43
244.24
245.06
245.87
246.69
247.52
248.34
249.17
250.00
250.83
251.67
252.51
253.35
254.19
255.04
255.89
256.75
257.60
258.46
259.32
260.19
261.05
261.92
262.80
263.67
264.55
265.43
266.32
267.21
268.10
268.99
269.89
270.79
271.69
272.59

Saldo
Actual
26,265.32
26,029.85
25,793.60
25,556.57
25,318.74
25,080.12
24,840.70
24,600.49
24,359.48
24,117.66
23,875.03
23,631.60
23,387.36
23,142.30
22,896.43
22,649.73
22,402.21
22,153.87
21,904.70
21,654.70
21,403.87
21,152.20
20,899.69
20,646.34
20,392.15
20,137.11
19,881.21
19,624.47
19,366.87
19,108.41
18,849.09
18,588.90
18,327.85
18,065.93
17,803.13
17,539.46
17,274.91
17,009.47
16,743.16
16,475.95
16,207.85
15,938.86
15,668.98
15,398.19
15,126.50
14,853.91

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96

14,853.91
14,580.41
14,305.99
14,030.66
13,754.42
13,477.25
13,199.16
12,920.14
12,640.19
12,359.31
12,077.49
11,794.73
11,511.03
11,226.39
10,940.79
10,654.25
10,366.74
10,078.28
9,788.86
9,498.48
9,207.12
8,914.80
8,621.50
8,327.22
8,031.96
7,735.72
7,438.49
7,140.27
6,841.05
6,540.84
6,239.63
5,937.41
5,634.19
5,329.95
5,024.70
4,718.44
4,411.15
4,102.84
3,793.50
3,483.12
3,171.72
2,859.28
2,545.79
2,231.26
1,915.68
1,599.05
1,281.37
962.62
642.82
321.94

323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02
323.02

0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%

49.51
48.60
47.69
46.77
45.85
44.92
44.00
43.07
42.13
41.20
40.26
39.32
38.37
37.42
36.47
35.51
34.56
33.59
32.63
31.66
30.69
29.72
28.74
27.76
26.77
25.79
24.79
23.80
22.80
21.80
20.80
19.79
18.78
17.77
16.75
15.73
14.70
13.68
12.64
11.61
10.57
9.53
8.49
7.44
6.39
5.33
4.27
3.21
2.14
1.07

273.50
274.41
275.33
276.25
277.17
278.09
279.02
279.95
280.88
281.82
282.76
283.70
284.65
285.59
286.55
287.50
288.46
289.42
290.39
291.35
292.33
293.30
294.28
295.26
296.24
297.23
298.22
299.21
300.21
301.21
302.22
303.22
304.24
305.25
306.27
307.29
308.31
309.34
310.37
311.41
312.44
313.48
314.53
315.58
316.63
317.69
318.74
319.81
320.87
321.94

14,580.41
14,305.99
14,030.66
13,754.42
13,477.25
13,199.16
12,920.14
12,640.19
12,359.31
12,077.49
11,794.73
11,511.03
11,226.39
10,940.79
10,654.25
10,366.74
10,078.28
9,788.86
9,498.48
9,207.12
8,914.80
8,621.50
8,327.22
8,031.96
7,735.72
7,438.49
7,140.27
6,841.05
6,540.84
6,239.63
5,937.41
5,634.19
5,329.95
5,024.70
4,718.44
4,411.15
4,102.84
3,793.50
3,483.12
3,171.72
2,859.28
2,545.79
2,231.26
1,915.68
1,599.05
1,281.37
962.62
642.82
321.94
0.00

ACTIVIDAD 3

a)
En el ejemplo 3, notaste que los intereses generados (totales) del mtodo alemn,
son menores que los intereses generados en el Mtodo Francs", a qu crees que
se deba?

Se debe a que en el mtodo francs se comienza a pagar un capital pequeo y este

va incrementando conforme avanza el tiempo, pero en el mtodo alemn, como
comenzamos a pagar un capital ms alto que el del mtodo francs el monto de los
intereses se disminuye considerablemente ya que cada vez el abono al capital es
mayor el residuo disminuye y por ende los intereses que tenemos que pagar por
este.

Mtodo Alemn
ACTIVIDAD 4
Valor del prstamo
TNA
Periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

Periodo

17,500
16.40%
24
5.4667%
8

Saldo
1
2
3
4
5
6
7
8

17,500.00
15,312.50
13,125.00
10,937.50
8,750.00
6,562.50
4,375.00
2,187.50

Total a pagar
Interes
Tasa Efectiva

Abono al
Capital
2,187.50
2,187.50
2,187.50
2,187.50
2,187.50
2,187.50
2,187.50
2,187.50

Interes
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%

21,805.00
4,305.00
24.6000%

Monto de los
intereses
956.67
837.08
717.50
597.92
478.33
358.75
239.17
119.58

Pago del
Periodo
3,144.17
3,024.58
2,905.00
2,785.42
2,665.83
2,546.25
2,426.67
2,307.08

Saldo
Actual
15,312.50
13,125.00
10,937.50
8,750.00
6,562.50
4,375.00
2,187.50
0.00

Pago del
Periodo
3,020.21
2,957.76
2,895.31
2,832.86
2,770.42
2,707.97
2,645.52
2,583.07
2,520.63
2,458.18
2,395.73
2,333.28

Saldo
Actual
24,979.17
22,708.33
20,437.50
18,166.67
15,895.83
13,625.00
11,354.17
9,083.33
6,812.50
4,541.67
2,270.83
0.00

TIENDA A
Valor del prstamo
TNA
periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

Periodo
1
2
3
4
5
6
7
8
9
10
11
12

27,250
33%
12
2.7500%
12

Saldo
27,250.00
24,979.17
22,708.33
20,437.50
18,166.67
15,895.83
13,625.00
11,354.17
9,083.33
6,812.50
4,541.67
2,270.83

Total a pagar
Interes
Tasa Efectiva

Abono al
Capital
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83
2,270.83

Interes
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%

32,120.94
4,870.94
17.8750%

Monto de los
intereses
749.38
686.93
624.48
562.03
499.58
437.14
374.69
312.24
249.79
187.34
124.90
62.45

TIENDA B
Valor del prstamo
TNA
periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

Periodo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

Mtodo Alemn
ACTIVIDAD 3

26,500
16%
48
0.3333%
96

Saldo
26,500.00
26,223.96
25,947.92
25,671.88
25,395.83
25,119.79
24,843.75
24,567.71
24,291.67
24,015.63
23,739.58
23,463.54
23,187.50
22,911.46
22,635.42
22,359.38
22,083.33
21,807.29
21,531.25
21,255.21
20,979.17
20,703.13
20,427.08
20,151.04
19,875.00
19,598.96
19,322.92
19,046.88
18,770.83
18,494.79
18,218.75
17,942.71
17,666.67
17,390.63
17,114.58
16,838.54
16,562.50
16,286.46
16,010.42
15,734.38
15,458.33
15,182.29
14,906.25
14,630.21
14,354.17
14,078.13

Total a pagar
Interes
Tasa Efectiva

Abono al
Capital
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04

Interes
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%

30,784.17
4,284.17
16.1667%

Monto de los
intereses
88.33
87.41
86.49
85.57
84.65
83.73
82.81
81.89
80.97
80.05
79.13
78.21
77.29
76.37
75.45
74.53
73.61
72.69
71.77
70.85
69.93
69.01
68.09
67.17
66.25
65.33
64.41
63.49
62.57
61.65
60.73
59.81
58.89
57.97
57.05
56.13
55.21
54.29
53.37
52.45
51.53
50.61
49.69
48.77
47.85
46.93

Pago del
Periodo
364.38
363.45
362.53
361.61
360.69
359.77
358.85
357.93
357.01
356.09
355.17
354.25
353.33
352.41
351.49
350.57
349.65
348.73
347.81
346.89
345.97
345.05
344.13
343.21
342.29
341.37
340.45
339.53
338.61
337.69
336.77
335.85
334.93
334.01
333.09
332.17
331.25
330.33
329.41
328.49
327.57
326.65
325.73
324.81
323.89
322.97

Saldo
Actual
26,223.96
25,947.92
25,671.88
25,395.83
25,119.79
24,843.75
24,567.71
24,291.67
24,015.63
23,739.58
23,463.54
23,187.50
22,911.46
22,635.42
22,359.38
22,083.33
21,807.29
21,531.25
21,255.21
20,979.17
20,703.13
20,427.08
20,151.04
19,875.00
19,598.96
19,322.92
19,046.88
18,770.83
18,494.79
18,218.75
17,942.71
17,666.67
17,390.63
17,114.58
16,838.54
16,562.50
16,286.46
16,010.42
15,734.38
15,458.33
15,182.29
14,906.25
14,630.21
14,354.17
14,078.13
13,802.08

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96

13,802.08
13,526.04
13,250.00
12,973.96
12,697.92
12,421.88
12,145.83
11,869.79
11,593.75
11,317.71
11,041.67
10,765.63
10,489.58
10,213.54
9,937.50
9,661.46
9,385.42
9,109.37
8,833.33
8,557.29
8,281.25
8,005.21
7,729.17
7,453.12
7,177.08
6,901.04
6,625.00
6,348.96
6,072.92
5,796.87
5,520.83
5,244.79
4,968.75
4,692.71
4,416.67
4,140.62
3,864.58
3,588.54
3,312.50
3,036.46
2,760.42
2,484.37
2,208.33
1,932.29
1,656.25
1,380.21
1,104.17
828.12
552.08
276.04

276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04
276.04

0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%

46.01
45.09
44.17
43.25
42.33
41.41
40.49
39.57
38.65
37.73
36.81
35.89
34.97
34.05
33.12
32.20
31.28
30.36
29.44
28.52
27.60
26.68
25.76
24.84
23.92
23.00
22.08
21.16
20.24
19.32
18.40
17.48
16.56
15.64
14.72
13.80
12.88
11.96
11.04
10.12
9.20
8.28
7.36
6.44
5.52
4.60
3.68
2.76
1.84
0.92

322.05
321.13
320.21
319.29
318.37
317.45
316.53
315.61
314.69
313.77
312.85
311.93
311.01
310.09
309.17
308.25
307.33
306.41
305.49
304.57
303.65
302.73
301.81
300.89
299.97
299.05
298.13
297.20
296.28
295.36
294.44
293.52
292.60
291.68
290.76
289.84
288.92
288.00
287.08
286.16
285.24
284.32
283.40
282.48
281.56
280.64
279.72
278.80
277.88
276.96

13,526.04
13,250.00
12,973.96
12,697.92
12,421.88
12,145.83
11,869.79
11,593.75
11,317.71
11,041.67
10,765.63
10,489.58
10,213.54
9,937.50
9,661.46
9,385.42
9,109.37
8,833.33
8,557.29
8,281.25
8,005.21
7,729.17
7,453.12
7,177.08
6,901.04
6,625.00
6,348.96
6,072.92
5,796.87
5,520.83
5,244.79
4,968.75
4,692.71
4,416.67
4,140.62
3,864.58
3,588.54
3,312.50
3,036.46
2,760.42
2,484.37
2,208.33
1,932.29
1,656.25
1,380.21
1,104.17
828.12
552.08
276.04
0.00

Mtodo Americano
ACTIVIDAD 5
Valor del prstamo
TNA
periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

17,500
16.4000%
24
5.4667%
8

Periodo

Saldo
1
2
3
4
5
6
7
8

17,500
17,500
17,500
17,500
17,500
17,500
17,500
17,500

Total a pagar
Interes
Tasa Efectiva

Interes
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%
5.4667%

Monto de los
intereses
956.67
956.67
956.67
956.67
956.67
956.67
956.67
956.67

25,153
7653.33
43.7333%

Abono al
Capital
0
0
0
0
0
0
0
17500

Pago del
Periodo
956.67
956.67
956.67
956.67
956.67
956.67
956.67
18456.67

Saldo
Actual
17,500
17,500
17,500
17,500
17,500
17,500
17,500
0

Pago del
Periodo
749.375
749.375
749.375
749.375
749.375
749.375
749.375
749.375
749.375
749.375
749.375
27999.375

Saldo
Actual
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
27,250.00
0.00

TIENDA A
Valor del prstamo
TNA
periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

27,250
33%
12
2.7500%
12

Periodo

Saldo
1
2
3
4
5
6
7
8
9
10
11
12

27,250
27,250
27,250
27,250
27,250
27,250
27,250
27,250
27,250
27,250
27,250
27,250

Total a pagar
Interes
Tasa Efectiva

Interes
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%
2.7500%

Monto de los
intereses
749.38
749.38
749.38
749.38
749.38
749.38
749.38
749.38
749.38
749.38
749.38
749.38

36,243
8992.50
33%

Abono al
Capital
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
27250.00

ACTIVIDAD 5
17,500

TIENDA B
Mtodo Americano
ACTIVIDAD 5

Capital
Tasa de interes Anual
Periodicidad al ao
Tasa Nominal
Periodos (m)

48
0.3333%
96

Periodo

Saldo
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500

Interes
Tasa Efectiva

Interes
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%

Monto de los
intereses
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.3333
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33

8480.00
32%

Abono al
Capital
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Pago del
Periodo
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33

Saldo
Actual
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96

26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500
26,500

0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%
0.3333%

88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
26500.00

88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
88.33
26588.33

26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
26,500.00
0.00

ACTIVIDAD 6
Inciso a)
Valor del prstamo
TNA
Periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

10,000
24%
60
2%
5

Periodo

Capital
1
2
3
4
5

10,000.00
7,200.00
5,222.42
3,205.28
1147.80211

Total a pagar
Intertes
Tasa Efectiva

Pago Fijo
3000.00
2121.58
2121.58
2121.58
1170.76

Interes
2.0000%
2.0000%
2.0000%
2.0000%
2.0000%

Monto de los
intereses
200.00
144.00
104.45
64.11
22.96

10535.51
535.51
5.3551%

Abono al
capital
2800.00
1977.58
2017.14
2057.48
1147.80

Saldo
Actual
7,200.00
5,222.42
3,205.28
1,147.80
0.00

Al pagar ms, el abono a el capital es mayor y este disminuye ms rapidamente, por lo tanto, como
los intereses se cobran con respecto al capital que an se debe estos tambin disminuyen y se puede
terminar de pagar con mayor rapidez la deuda.
En este caso el ltimo pago no fue de 2121.58 sino de 1170.76 ya que era lo unico que faltaba por
E incluso se puedo notar que la cantidad de intereses a pagar disminuyo.

ACTIVIDAD 6
Inciso b)
Valor del prstamo
TNA
Periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

10,000
24%
60
2%
5

Periodo

Capital
1
2
3
4
5

10,000.00
5,956.00
3,953.54
1,911.02
0.00

Total a pagar
Interes
Tasa Efectiva

Pago Fijo
4244.00
2121.58
2121.58
1949.24
0.00

Interes
2.0000%
2.0000%
2.0000%
2.0000%
2.0000%

10436.41
436.41
4.3641%

Monto de los
intereses
200.00
119.12
79.07
38.22
0.00

Abono al
capital
4044.00
2002.46
2042.51
1911.02
0.00

Saldo
Actual
5,956.00
3,953.54
1,911.02
0.00
0.00

En ese caso al pagar el doble no se tuvo que pagar el ultimo periodo y el periodo correspondiente
al numero 4 fue solamente de $1949.24.
Como ya no se esta pagando con un monto fijo modificamos las operaciones para poder demostar
cuanto bajan los interesespor evitar el ultimo pago y disminuir los anteriores.

ACTIVIDAD 6
Inciso c)
Valor del prstamo
TNA
Periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

10,000
24%
60
2%
5

Periodo

Capital
1
2
3
4
5
6

10,000.00
9,100.00
7,160.42
5,182.04
3,164.10
1,105.80

Total a pagar
Intertes
Tasa Efectiva

Pago Fijo
1100.00
2121.58
2121.58
2121.58
2121.58
1127.91

Interes
2.0000%
2.0000%
2.0000%
2.0000%
2.0000%
0.02

10714.25
714.25
7.1425%

Monto de los
intereses
200.00
182.00
143.21
103.64
63.28
22.12

Abono al
capital
900.00
1939.58
1978.38
2017.94
2058.30
1105.80

Saldo
Actual
9,100.00
7,160.42
5,182.04
3,164.10
1,105.80
0.00

Este caso muestra lo contrario al tener retrasos de pago estos hacen que el interes aumente asi
como el numero de periodos para poder liquidar la deuda, realmente no creemos que se maneje de
esta manera sino que quien presta el dinero ha de cobrar algn cargo extra en el proximo periodo
para recuperar lo perdido y sansionar al cliente, pero eso depende de otras variantes,de cualquier
manera realizando el ejercicio esto es lo que se puede apreciar a simple vista.
El cliente pagar ms impuestos y un periodo mas para poder liquidar su deuda.

Valor del prstamo

TNA
Periodicidad de la tasa
Tasa peridica
Cantidad de cuotas

217,500
8.7500%
12
0.7291%
47

Periodo

Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47

217,500.00
213,585.94
209,643.33
205,671.98
201,671.68
197,642.20
193,583.34
189,494.88
185,376.62
181,228.32
177,049.78
172,840.77
168,601.06
164,330.45
160,028.69
155,695.57
151,330.85
146,934.30
142,505.70
138,044.80
133,551.38
129,025.19
124,466.00
119,873.56
115,247.64
110,587.99
105,894.36
101,166.50
96,404.18
91,607.12
86,775.09
81,907.83
77,005.07
72,066.57
67,092.05
62,081.27
57,033.94
51,949.81
46,828.62
41,670.07
36,473.92
31,239.87
25,967.66
20,657.01
15,307.64
9,919.25
4,491.58

Monto Fijo
Total a pagar
Intertes
Tasa Efectiva

Pago Fijo
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
5500.00
4524.33

Interes
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%
0.7292%

5500.00
257516.83
40016.83
18.3985%

ACTIVIDAD 7

Monto de los
intereses
1585.94
1557.40
1528.65
1499.69
1470.52
1441.14
1411.55
1381.73
1351.70
1321.46
1290.99
1260.30
1229.38
1198.24
1166.88
1135.28
1103.45
1071.40
1039.10
1006.58
973.81
940.81
907.56
874.08
840.35
806.37
772.15
737.67
702.95
667.97
632.74
597.24
561.50
525.49
489.21
452.68
415.87
378.80
341.46
303.84
265.96
227.79
189.35
150.62
111.62
72.33
32.75

Abono al
Saldo Actual
capital
3914.06
213,585.94
3942.60
209,643.33
3971.35
205,671.98
4000.31
201,671.68
4029.48
197,642.20
4058.86
193,583.34
4088.45
189,494.88
4118.27
185,376.62
4148.30
181,228.32
4178.54
177,049.78
4209.01
172,840.77
4239.70
168,601.06
4270.62
164,330.45
4301.76
160,028.69
4333.12
155,695.57
4364.72
151,330.85
4396.55
146,934.30
4428.60
142,505.70
4460.90
138,044.80
4493.42
133,551.38
4526.19
129,025.19
4559.19
124,466.00
4592.44
119,873.56
4625.92
115,247.64
4659.65
110,587.99
4693.63
105,894.36
4727.85
101,166.50
4762.33
96,404.18
4797.05
91,607.12
4832.03
86,775.09
4867.26
81,907.83
4902.76
77,005.07
4938.50
72,066.57
4974.51
67,092.05
5010.79
62,081.27
5047.32
57,033.94
5084.13
51,949.81
5121.20
46,828.62
5158.54
41,670.07
5196.16
36,473.92
5234.04
31,239.87
5272.21
25,967.66
5310.65
20,657.01
5349.38
15,307.64
5388.38
9,919.25
5427.67
4,491.58
4491.58
0.00

ACTIVIDAD 7

LN m= -

LN
LN -

m= -

LN

217500*.7291%
5500
(1+.7291%)
1585.7925
5500
100.7291%

m= -

LN LN

0.288325909
100.7291%

m= -

LN LN

-0.711674091
100.7291%

m= -

-0.34013521
0.007264549

m= - -46.82124146
m=
46.82124146

-1

-1

-1