Un lote de terreno que cuesta $ 20.000.

000 se propone comprar

con una cuota inicial del 10% y 12 cuotas mensuales con una tasa de
interés del 2% mensual. Calcular el valor de las cuotas

P $20,000,000
CI $2,000,000
12 cuotas 1702072.7392
2% Mensual

No Deposito Interes Abono Saldo

0 $2,000,000 $18,000,000
1 $ 1,702,073 $360,000 $1,342,073 $16,657,927
2 $ 1,702,073 $333,159 $1,368,914 $15,289,013
3 $ 1,702,073 $305,780 $1,396,292 $13,892,721
4 $ 1,702,073 $277,854 $1,424,218 $12,468,502
5 $ 1,702,073 $249,370 $1,452,703 $11,015,800
6 $ 1,702,073 $220,316 $1,481,757 $9,534,043
7 $ 1,702,073 $190,681 $1,511,392 $8,022,651
8 $ 1,702,073 $160,453 $1,541,620 $6,481,031
9 $ 1,702,073 $129,621 $1,572,452 $4,908,579
10 $ 1,702,073 $98,172 $1,603,901 $3,304,678
11 $ 1,702,073 $66,094 $1,635,979 $1,668,699
12 $ 1,702,073 $33,374 $1,668,699 $0

Un padre de familia inicia una cuenta de ahorros con $ 500.000 en

una entidad

P $500,000
i 2% mensual
cada mes $200,000 12 meses
final del mes 6 $2,000,000

no Deposito Interes Dep + int Saldo

0 $500,000
1 $200,000 $10,000 $210,000 $710,000
2 $200,000 $14,200 $214,200 $924,200
3 $200,000 $18,484 $218,484 $1,142,684
4 $200,000 $22,854 $222,854 $1,365,538
5 $200,000 $27,311 $227,311 $1,592,848
 6 $2,200,000 $31,857 $2,231,857 $3,824,705
7 $200,000 $76,494 $276,494 $4,101,200
8 $200,000 $82,024 $282,024 $4,383,224
9 $200,000 $87,664 $287,664 $4,670,888
10 $200,000 $93,418 $293,418 $4,964,306
11 $200,000 $99,286 $299,286 $5,263,592
12 $200,000 $105,272 $305,272 $5,568,864

Un cliente hace 10 depósitos mensuales de $ 200.000 al

principio de cada mes, iniciando hoy, y después de 2 años tiene
disponible en su cuenta $ 6.000.000. ¿Qué tasa de interés le
pagaron?

n 10
cuotas $200,000
saldo $6,000,000
i 5.35%

no Deposito Interes Dep + int Saldo

0 $200,000
1 $200,000 10694.7848 $210,695 $410,695
2 $200,000 21961.4617 $221,961 $632,656
3 $200,000 33830.612 $233,831 $866,487
4 $200,000 46334.4524 $246,334 $1,112,821
5 $200,000 59506.9222 $259,507 $1,372,328
6 $200,000 73383.7756 $273,384 $1,645,712
7 $200,000 88002.6788 $288,003 $1,933,715
8 $200,000 103403.312 $303,403 $2,237,118
9 $200,000 119627.478 $319,627 $2,556,745
10 $200,000 136719.213 $336,719 $2,893,465
11 154724.911 $154,725 $3,048,190
12 162998.659 $162,999 $3,211,188
13 171714.837 $171,715 $3,382,903
14 180897.103 $180,897 $3,563,800
15 190570.381 $190,570 $3,754,371
16 200760.927 $200,761 $3,955,132
17 211496.402 $211,496 $4,166,628
18 222805.944 $222,806 $4,389,434
19 234720.252 $234,720 $4,624,154
20 247271.665 $247,272 $4,871,426
21 260494.251 $260,494 $5,131,920
22 274423.901 $274,424 $5,406,344
 23 289098.424 $289,098 $5,695,442
24 304557.651 $304,558 $6,000,000

Se están debiendo $ 3.800.000 a una tasa de interés del 2.0%

mensual, para cancelarlos por medio de 6 cuotas mensuales iguales, P
pagándose la primera 4 meses después de adquirida la obligación. i
Calcular el valor de las cuotas 6 cuotas
la primera en la 4

No Cuota Interes Abono Saldo

0 $3,800,000
1 $76,000.00 -$76,000.00 $3,876,000.00
2 $77,520.00 -$77,520.00 $3,953,520.00
3 $79,070.40 -$79,070.40 $4,032,590.40
4 $ 719,921 $80,651.81 $639,269.67 $3,393,320.73
5 $ 719,921 $67,866.41 $652,055.06 $2,741,265.67
6 $ 719,921 $54,825.31 $665,096.16 $2,076,169.51
7 $ 719,921 $41,523.39 $678,398.09 $1,397,771.42
8 $ 719,921 $27,955.43 $691,966.05 $705,805.37
9 $ 719,921 $14,116.11 $705,805.37 $0.00

Una empresa comercial vende equipos de sonido con una cuota

inicial de $ 500.000 y 12 cuotas mensuales de $ 185.500. Si se CI $500,000
carga el 30% con capitalización mensual, hallar el valor de 12 cuotas $185,500
contado. 30% CM
2.50% mensual

No Cuota Interes Abono Saldo

0 $500,000 $1,902,815
1 $185,500 $47,570.38 $137,929.62 $1,764,885.72
2 $185,500 $44,122.14 $141,377.86 $1,623,507.86
3 $185,500 $40,587.70 $144,912.30 $1,478,595.56
4 $185,500 $36,964.89 $148,535.11 $1,330,060.44
 5 $185,500 $33,251.51 $152,248.49 $1,177,811.96
6 $185,500 $29,445.30 $156,054.70 $1,021,757.25
7 $185,500 $25,543.93 $159,956.07 $861,801.19
8 $185,500 $21,545.03 $163,954.97 $697,846.22
9 $185,500 $17,446.16 $168,053.84 $529,792.37
10 $185,500 $13,244.81 $172,255.19 $357,537.18
11 $185,500 $8,938.43 $176,561.57 $180,975.61
12 $185,500 $4,524.39 $180,975.61 $0.00

del 2.5% mensual, por medio de una cuota inicial y 12 cuotas

mensuales crecientes cada mes en un 1.0%. Si la primera
cuota es de $ 2.000.000, calcular el valor de la cuota inicial.

P $22,000,000
i 2.50% Mensual
CUI $ 380,984
12 cuotas crecientes 1%
primera cuota $2,000,000

No Cuota Interes Abono Saldo

0 $ 380,984 $21,619,016
1 $2,000,000 $540,475.39 $1,459,524.61 $20,159,491.05
2 $ 2,020,000 $503,987.28 $1,516,012.72 $18,643,478.32
3 $ 2,040,200 $466,086.96 $1,574,113.04 $17,069,365.28
4 $ 2,060,602 $426,734.13 $1,633,867.87 $15,435,497.42
5 $ 2,081,208 $385,887.44 $1,695,320.58 $13,740,176.83
6 $ 2,102,020 $343,504.42 $1,758,515.68 $11,981,661.15
7 $ 2,123,040 $299,541.53 $1,823,498.77 $10,158,162.38
8 $ 2,144,271 $253,954.06 $1,890,316.64 $8,267,845.73
9 $ 2,165,713 $206,696.14 $1,959,017.27 $6,308,828.47
10 $ 2,187,371 $157,720.71 $2,029,649.83 $4,279,178.63
11 $ 2,209,244 $106,979.47 $2,102,264.79 $2,176,913.85
12 $ 2,231,337 $54,422.85 $2,176,913.85 $0.00
 $3,800,000
2.00% mensual
719921.477
primera en la 4

p $2,402,815