Un prstamo se est cancelando mediante el pago de una cuota inicial de S/ 1

el valor de la primera cuota es de S/ 1'500'000.00 y se cobra una tasa de in

P S/.15,000,000.00
n 24
g 5%
i 4%
c1 S/.1,500,000.00

PAGO
MESES CUOTA interes AMORTIZACION
0 S/.15,000,000.00 0 0
1 S/.1,500,000.00 S/.1,549,084.47 -S/.49,084.47
2 S/.1,575,000.00 S/.1,551,047.85 S/.23,952.15
3 S/.1,653,750.00 S/.1,550,089.76 S/.103,660.24
4 S/.1,736,437.50 S/.1,545,943.35 S/.190,494.15
5 S/.1,823,259.38 S/.1,538,323.59 S/.284,935.79
6 S/.1,914,422.34 S/.1,526,926.16 S/.387,496.19
7 S/.2,010,143.46 S/.1,511,426.31 S/.498,717.15
8 S/.2,110,650.63 S/.1,491,477.62 S/.619,173.01
9 S/.2,216,183.17 S/.1,466,710.70 S/.749,472.46
10 S/.2,326,992.32 S/.1,436,731.80 S/.890,260.52
11 S/.2,443,341.94 S/.1,401,121.38 S/.1,042,220.56
12 S/.2,565,509.04 S/.1,359,432.56 S/.1,206,076.48
13 S/.2,693,784.49 S/.1,311,189.50 S/.1,382,594.99
14 S/.2,828,473.71 S/.1,255,885.70 S/.1,572,588.01
15 S/.2,969,897.40 S/.1,192,982.18 S/.1,776,915.22
16 S/.3,118,392.27 S/.1,121,905.57 S/.1,996,486.70
17 S/.3,274,311.88 S/.1,042,046.10 S/.2,232,265.78
18 S/.3,438,027.48 S/.952,755.47 S/.2,485,272.00
19 S/.3,609,928.85 S/.853,344.59 S/.2,756,584.26
20 S/.3,790,425.29 S/.743,081.22 S/.3,047,344.07
21 S/.3,979,946.56 S/.621,187.46 S/.3,358,759.10
22 S/.4,178,943.89 S/.486,837.10 S/.3,692,106.79
23 S/.4,387,891.08 S/.339,152.82 S/.4,048,738.26
24 S/.4,607,285.63 S/.177,203.29 S/.4,430,082.34
una cuota inicial de S/ 15'000'000.00 y 24 cuotas mensuales que aumenta un 5% cada mes. Si
se cobra una tasa de inters del 4% mensual. Calcular el valor del prsamo y el valor de la
cuota 22.

valor del prestamo S/.53,727,111.74

valor de la cuota 22 S/.4,178,943.89

SALDO
S/.38,727,111.74
S/.38,776,196.21
S/.38,752,244.06
S/.38,648,583.82
S/.38,458,089.68
S/.38,173,153.89
S/.37,785,657.70
S/.37,286,940.55
S/.36,667,767.53
S/.35,918,295.07
S/.35,028,034.55
S/.33,985,813.99
S/.32,779,737.51
S/.31,397,142.52
S/.29,824,554.51
S/.28,047,639.29
S/.26,051,152.60
S/.23,818,886.82
S/.21,333,614.81
S/.18,577,030.56
S/.15,529,686.48
S/.12,170,927.39
S/.8,478,820.60
S/.4,430,082.34
S/.0.00
n 5% cada mes. Si
y el valor de la
Se hacen depsitos trimestrales crecientes en un 5%, en una cuenta que paga el 5,25% efectivo trim
S/ 500 000 el 1 de enero de 1991. Si el primer depsito se hace el 1 de abril de 1988 y el ltimo el 1
del primer depsito.

G 5%
i 5.25% NO SE CONSIDERA LA AMORTIZACION PORQUE NO SE TR
F S/.500,000.00
n 11

AO CUOTA INTERES SALDO

0 0
1 28784.875 0 28784.875
2 30224.1187 1511.20594 60520.1997
3 31735.3247 3177.31048 95432.8348
4 33322.0909 5010.22383 133765.15
5 34988.1955 7022.67035 175776.015
6 36737.6052 9228.24081 221741.861
7 38574.4855 11641.4477 271957.795
8 40503.2098 14277.7842 326738.789
9 42528.3703 17153.7864 386420.945
10 44654.7888 20287.0996 451362.834
11 23696.5488 475059.382
12 24940.6176 500000
ga el 5,25% efectivo trimestral, con el fin de tener disponibles
de 1988 y el ltimo el 1 de julio de 1990, determinar el valor
to.

ORTIZACION PORQUE NO SE TRATA DE UN PRESTAMO

Con ugercia necesitamos financiamiento po $50 000, para ser pagado en seis cuotas
mensuales que disminuyan cada mes en $1200 a una tasa de inters de 4.5% mensual.
Calcular el valor de las cuotas a pagar

n 6
g 1200
i 4.50%
p ###

PERIODOS CUOTA INTERES AMORTIZACION SALDO

0 0 0 0 ###
1 12540.044 S/.2,250.00 10290.044039064 ###
2 11340.044 S/.1,786.95 9553.0960208213 ###
3 10140.044 S/.1,357.06 8782.9853417583 ###
4 8940.04404 S/.961.82 7978.2196821374 ###
5 7740.04404 S/.602.80 7137.2395678336 S/.6,258.42
6 6540.04404 S/.281.63 6258.4153483861 S/.0.00
Dada una tasa del 24% nominal anual capitalizable al mes vencida, hallar una tasa efectiva anual.

jm 24%
m 12
tea 26.82%

Dada una tasa efectiva del 24% anual, hallar la tasa efectiva mensual equivalente.

tea 24%
m 12
jm 0.21705099
im(tasaefectiva de periodo) 1.81%

Del 18% efectivo trimestral encuentre la tasa nominal trimestral capitalizable mensualmente

tea 18%
m 3
jmT 17.017%

Del 24% nominal anual capitalizable anualmente, encuentre la tasa nominal trimestral capitalizable semes
jm 24%
m
0.12
a tasa efectiva anual.

mensualmente

mestral capitalizable semestralmente.

P 1000000
m 12
i 2.60%

METODO FRANCES

PERIODO CUOTA(ANUALIDAD) INTERES AMORTIZACION CAP.VIVO

0 0.00 0.00 0.00 1,000,000.00
1 98,078.34 26,000.00 72,078.34 927,921.66
2 98,078.34 24,125.96 73,952.38 853,969.28
3 98,078.34 22,203.20 75,875.14 778,094.14
4 98,078.34 20,230.45 77,847.89 700,246.25
5 98,078.34 18,206.40 79,871.94 620,374.31
6 98,078.34 16,129.73 81,948.61 538,425.70
7 98,078.34 13,999.07 84,079.27 454,346.43
8 98,078.34 11,813.01 86,265.33 368,081.10
9 98,078.34 9,570.11 88,508.23 279,572.86
10 98,078.34 7,268.89 90,809.45 188,763.42
11 98,078.34 4,907.85 93,170.49 95,592.92
12 98,078.34 2,485.42 95,592.92 0.00
176,940.09 1,000,000.00

METODO AMERICANO

PERIODO CUOTA(ANUALIDAD) INTERES AMORTIZACION

0 0 0
1 26000 S/.26,000.00 0
2 26000 S/.26,000.00 0
3 26000 S/.26,000.00 0
4 26000 S/.26,000.00 0
5 26000 S/.26,000.00 0
6 26000 S/.26,000.00 0
7 26000 S/.26,000.00 0
 8 26000 S/.26,000.00 0
9 26000 S/.26,000.00 0
10 26000 S/.26,000.00 0
11 26000 S/.26,000.00 0
12 1026000 S/.26,000.00 1000000
S/.312,000.00
 METODO ALEMAN

CAP.AMORTIZACION PERIODO CUOTA(ANUALIDAD) INTERES

0.00 0 S/.0.00
72,078.34 1 S/.109,333.33 S/.26,000.00
146,030.72 2 S/.107,166.67 S/.23,833.33
221,905.86 3 S/.105,000.00 S/.21,666.67
299,753.75 4 S/.102,833.33 S/.19,500.00
379,625.69 5 S/.100,666.67 S/.17,333.33
461,574.30 6 S/.98,500.00 S/.15,166.67
545,653.57 7 S/.96,333.33 S/.13,000.00
631,918.90 8 S/.94,166.67 S/.10,833.33
720,427.14 9 S/.92,000.00 S/.8,666.67
811,236.58 10 S/.89,833.33 S/.6,500.00
904,407.08 11 S/.87,666.67 S/.4,333.33
1,000,000.00 12 S/.85,500.00 S/.2,166.67
S/.1,169,000.00 S/.169,000.00

S/.7,940.09

CAP.VIVO CAP.AMORTIZACION
1000000 PERIODO
1000000 0
1000000 1
1000000 2
1000000 3
1000000 4
1000000 5
1000000 6
1000000 7
1000000 8
1000000 9
1000000 10
0 11
12
AMORTIZACION CAP.VIVO CAP.AMORTIZACION
S/.1,000,000.00
S/.83,333.33 S/.916,666.67 S/.83,333.33
S/.83,333.33 S/.833,333.33 S/.166,666.67
S/.83,333.33 S/.750,000.00 S/.250,000.00
S/.83,333.33 S/.666,666.67 S/.333,333.33
S/.83,333.33 S/.583,333.33 S/.416,666.67
S/.83,333.33 S/.500,000.00 S/.500,000.00
S/.83,333.33 S/.416,666.67 S/.583,333.33
S/.83,333.33 S/.333,333.33 S/.666,666.67
S/.83,333.33 S/.250,000.00 S/.750,000.00
S/.83,333.33 S/.166,666.67 S/.833,333.33
S/.83,333.33 S/.83,333.33 S/.916,666.67
S/.83,333.33 S/.0.00 S/.1,000,000.00
S/.1,000,000.00

CUOTA(ANUALIDAD) INTERES AMORTIZACION CAP.VIVO CAP.AMORTIZACION

S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
 S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.0.00 S/.0.00 S/.0.00 S/.1,000,000.00
S/.1,360,718.63 S/.360,718.63 S/.1,000,000.00 S/.1,000,000.00
AP.AMORTIZACION
 Un banco en Chimbote, anunci la siguiente informacin: inters del 7.55% y rendimiento anual efectivo del 7.842%. En el an
no se hace ninguna mencin del periodo de capitalizacin. Puede usted determinar el esquema de capitalizacin que utiliza
banco?. Es decir efectiva mensual, bimestral, trimestral, semestral y anual.

i 7.55%
tea 7.84%
capitalizacioninteres nominTEA
anual 1 7.55% 7.55%
semestral 2 7.55% 7.69%
trimestral 4 7.55% 7.77%
bimestral 6 7.55% 7.79%
mensaual 12 7.55% 7.82%
semanal 52 7.55% 7.84%
diario 365 7.55% 7.84%

El esquema de capitalizacion que utiliza el banco es semanal y diario.

nual efectivo del 7.842%. En el anuncio
ema de capitalizacin que utiliza el

o es semanal y diario.
 Usted solicit un prstamo de S/90000 en un banco local, acordando que pagar el prstamo de acuerdo con un plan de
pagos escalonados. Si su primer pago se fija en S/5500 cmo sera el pago restante a una tasa de prstamo del 12% por siete
aos?

P 90000
C1 5500
i 12%
n 7
G 47%

AOS cuota interes amortizacionsaldo

0 0 0 0 90000
1 5500 10800 -5300 95300
2 8091.21454 11436 -3344.7855 98644.785460333
3 11903.2278 11837.3743 65.8535133 98578.931947043
4 17511.1945 11829.4718 5681.72264 92897.209309833
5 25761.2421 11147.6651 14613.5769 78283.632370737
6 37898.1339 9394.03588 28504.098 49779.534385113
7 55753.0785 5973.54413 49779.5344 0.0
cuerdo con un plan de
prstamo del 12% por siete
 Calcule el valor de P para el siguiente diagrama de flujo de efectivo. Considere que i = 8%.

Nominal anual=tasa efectiva anual

G 50
AO CUOTA VP
0 0 S/.0.00
1 100 S/.92.59
3 150 S/.119.07
5 200 S/.136.12
7 250 S/.145.87
9 300 S/.150.07
11 350 S/.150.11
P S/.793.84
8%.
Se financia un prstamo de S/15000 para contribuir a la educacin universitaria de una persona. Con base en una capitaliza
por 24 meses, el pago regular al fin de cada mes se establece en S/493.93. Cmo sera la tabla de Amortizacin?
ersona. Con base en una capitalizacin mensual
tabla de Amortizacin?
 Cul es la suma de 10 depsitos anuales iguales que pueden dar
cinco retiros EN 5 AOS, el primero de S/3000 al final del ao 11 y
retiros posteriores que aumentan a una tasa del 6% anual
respecto del ao anterior, si
a) la tasa de inters es del 8% compuesto anual?
b) la tasa de inters es del 6% compuesto anual?

G 6%
AO CUOTA RETIRO INTERES SALDO
8% 6% 0 0 0
1 1073.60318 0 0 1073.60318
2 1073.60318 0 64.4161909 2211.62256
3 1073.60318 0 132.697353 3417.92309
4 1073.60318 0 205.075385 4696.60166
5 1073.60318 0 281.7961 6052.00094
6 1073.60318 0 363.120056 7488.72418
7 1073.60318 0 449.323451 9011.65081
8 1073.60318 0 540.699049 10625.953
9 1073.60318 0 637.557183 12337.1134
10 1073.60318 0 740.226805 14150.9434
11 3000 849.056604 12000
12 3180 720 9540
13 3371 572.4 6741.6
14 3573 404.496 3573.048
15 3787 214.38288 0
10736.0318
AO CUOTA RETIRO INTERES SALDO
0 0 0
1 1112.19837 0 0 1112.19837
2 1112.19837 0 88.9758693 2313.3726
3 1112.19837 0 138.802356 3564.37332
4 1112.19837 0 213.862399 4890.43409
5 1112.19837 0 293.426045 6296.0585
6 1112.19837 0 377.76351 7786.02038
7 1112.19837 0 467.161223 9365.37996
8 1112.19837 0 561.922798 11039.5011
9 1112.19837 0 662.370068 12814.0696
10 1112.19837 0 768.844174 14695.1121
11 3000 881.706726 12576.8188
12 3240 754.60913 10091.428
13 3499.2 605.485677 7197.71363
14 3779.136 431.862818 3850.44045
15 4081.46688 231.026427 0.00
11121.9837