B.respuesta - Examen Amortización

ECONOMIA FINANZAS ING.
CIVIL - A
No Codigo Nombres
1 1091479 Arias Diaz Eduardo
4 1112368 Bonilla Agelvis Nixon Ivanilovich
5 1112750 Eusse Socha Jhon Steven
6 1112914 Mora Chinchilla Marian Juliana
7 1112922 Gonzalez Gomez Jose Luis
8 1112932 Pinzon Vidarte Yuryan Yolima
9 1112984 Acosta Rodriguez Juan Camilo
10 1113013 Mise Peña Victor Manuel
11 1113016 Arias Delgado Jesus Armando
12 1113018 Quintero Bermon Erick Armando
13 1113038 Colmenares Martinez Edgar Michell
14 1113063 Barrios García Christian Armando
15 1113087 Rojas Urbina Jose Duvan
16 1113099 Franco Jacome Jorge Steven
17 1113105 Pachon Daza Brayan David
18 1113187 Ferrer Ardila Johan Andres
19 1113189 Galvis Contreras Jessica Michelle
20 1113211 Perez Niño Angie Lorena
21 1113220 Celis Manjarres Didier Alexis
22 1113224 Alvarez Ropero Yessica Alejandra
23 1113234 Lara Lozada Marcos Sebastian
24 1113235 Martinez Niño Sharoon Mariel

25 1113295 Villamizar Arbelaez Brayan Manuel
26 1113296 Castellanos Caceres Yecid Humberto
27 1113297 Lopez Garcia Wbeimar Camilo
28 1113301 Perez Arevalo Rosa Angelica
29 1113302 Rangel Ortega Elian Jose
30 1113317 Cardenas Galvis Anyela Deyalin Juliana
31 1113322 Pallares Pallares Miguel Octavio
32 1113340 Hernandez Abad Brayan Ferney
33 1113358 Lemus Albarracin Andrea Alexandra
34 1113362 Urbina Ortiz Daniel Alejandro
35 1113363 Caicedo Tejada Tiany Roxana
36 1113370 Duque Camacho Dairon Andrey
37 1113379 Ortiz Maldonado Neira Johana
38 1113401 Rojas Ramirez Diego Alejandro
39 1113447 Contreras Gomez Sally Carolina
40 1113846 Barbosa Leal Nelson Adrian
41 1121208 Garcia Castillo Maria Guadalupe
42 1121236 Espinel Diaz Brayan Ernesto
43 1121485 Reyes Cardenas Jonathan Julian
45 1151484 Melo Calvo Edinsson Adrian
46 1151770 Ortiz Armesto Natalia
2 1110796 Morelli Buendia Diego Alberto
3 1112094 Ramirez Yañez Marco Antonio

44 1151346 Duarte Diaz Freddy Leonardo
1.00 ADICIONAL 0.00 PROMEDIO
Ejercicios Respuestas Adicional NOTA

0.00 0.00 0.0 0.00
2.20 2.20 0.0 2.20

2.80 2.80 0.0 2.80
4.00 4.00 0.0 4.00
3.80 3.80 0.0 3.80
1.70 1.70 0.0 1.70
2.60 2.60 0.0 2.60
2.00 2.00 0.0 2.00
2.40 2.40 0.0 2.40
2.40 2.40 0.0 2.40
2.00 2.00 0.0 2.00
1.70 1.70 0.0 1.70
2.00 2.00 0.0 2.00
2.20 2.20 0.0 2.20
2.20 2.20 0.0 2.20
2.20 2.20 0.0 2.20
4.20 4.20 0.0 4.20
2.20 2.20 0.0 2.20
2.40 2.40 0.0 2.40
2.20 2.20 0.0 2.20
2.00 2.00 0.0 2.00
3.80 3.80 0.0 3.80
4.20 4.20 0.0 4.20
5.00 5.00 0.0 5.00
4.10 4.10 0.0 4.10
4.10 4.10 0.0 4.10
4.20 4.20 0.0 4.20
3.60 3.60 0.0 3.60
2.20 2.20 0.0 2.20
4.00 4.00 0.0 4.00
3.60 3.60 0.0 3.60
3.00 3.00 0.0 3.00
5.00 5.00 0.0 5.00
3.00 3.00 0.0 3.00
4.00 4.00 0.0 4.00
2.60 2.60 0.0 2.60
2.80 2.80 0.0 2.80
4.70 4.70 0.0 4.70
3.20 3.20 0.0 3.20
2.30 2.30 0.0 2.30
2.30 2.30 0.0 2.30
4.00 4.00 0.0 4.00

1.50 1.50 0.0 1.50
PROMEDIO
0.00 0.00 0.0 0.00

0.00 0.00 0.0 0.00
0.00 0.00 0.0 0.00
TANTO ESFUERZO PARA VER ESTAS NOTAS…
2.94
NO HAY DERECHO!!!
EXAMEN 21
Redondear Diciembre Valor Respuesta 1.0 1
0.0 1091479 0.00
2.2 1112368 0.30

2.8 1112750 0.60
4.0 1112914 1.00
3.8 1112922 0.30
1.7 1112932 0.30
2.6 1112984 0.60
2.0 1113013 0.40
2.4 1113016 1.00
2.4 1113018 1.00
2.0 1113038 0.40
1.7 1113063 0.30
2.0 1113087 0.40
2.2 1113099 0.40
2.2 1113105 0.30
2.2 1113187 0.30
4.2 1113189 0.70
2.2 1113211 0.30
2.4 1113220 0.50
2.2 1113224 0.30
2.0 1113234 0.40
3.8 1113235 0.30
4.2 1113295 0.70
5.0 1113296 1.00
4.1 1113297 0.30
4.1 1113301 0.30
4.2 1113302 0.70
3.6 1113317 0.30
2.2 1113322 0.40
4.0 1113340 1.00
3.6 1113358 0.30
3.0 1113362 0.40
5.0 1113363 1.00
3.0 1113370 0.40
4.0 1113379 1.00
2.6 1113401 0.50
2.8 1113447 0.60
4.7 1113846 1.00
3.2 1121208 0.80
2.3 1121236 0.80
2.3 1121485 0.80
4.0 1151484 1.00

1.5 1151770 0.20
2.94 43
0.0 1110796 0.00

0.0 1112094 0.00
0.0 1151346 0.00
2 3 4 5 TOTAL
0.00 0.00 0.00 0.00 0.00
0.20 0.40 0.50 0.80 2.20

0.30 0.50 0.40 1.00 2.80
0.30 1.00 1.00 0.70 4.00
0.80 1.00 1.00 0.70 3.80
0.20 0.20 0.30 0.70 1.70
0.20 0.60 0.50 0.70 2.60
0.30 0.40 0.40 0.50 2.00
0.30 0.40 0.00 0.70 2.40
0.30 0.40 0.00 0.70 2.40
0.30 0.00 0.60 0.70 2.00
0.20 0.20 0.30 0.70 1.70
0.30 0.40 0.40 0.50 2.00
0.20 0.50 0.40 0.70 2.20
0.20 0.40 0.50 0.80 2.20
0.20 0.40 0.50 0.80 2.20
0.50 1.00 1.00 1.00 4.20
0.20 0.40 0.50 0.80 2.20
0.30 0.50 0.50 0.60 2.40
0.20 0.40 0.50 0.80 2.20
0.30 0.40 0.40 0.50 2.00
0.80 1.00 1.00 0.70 3.80
0.50 1.00 1.00 1.00 4.20
1.00 1.00 1.00 1.00 5.00 FELICITACIONES
0.80 1.00 1.00 1.00 4.10

0.80 1.00 1.00 1.00 4.10
0.50 1.00 1.00 1.00 4.20
0.30 1.00 1.00 1.00 3.60
0.20 0.50 0.40 0.70 2.20
1.00 1.00 1.00 0.00 4.00
0.30 1.00 1.00 1.00 3.60
0.30 1.00 1.00 0.70 3.00 0.40 ENTREGARON FUERA DE TIE
1.00 1.00 1.00 1.00 5.00 FELICITACIONES
0.30 1.00 1.00 0.70 3.00 0.40 ENTREGARON FUERA DE TIE
1.00 1.00 1.00 0.00 4.00

0.40 0.70 1.00 0.00 2.60
0.30 0.50 0.40 1.00 2.80
0.70 1.00 1.00 1.00 4.70
0.60 1.00 0.80 0.00 3.20
0.50 0.80 0.00 0.20 2.30
0.50 0.80 0.00 0.20 2.30
0.30 1.00 1.00 0.70 4.00

0.30 0.20 0.40 0.40 1.50
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
ENTREGARON FUERA DE TIEMPO (-0,4)
ENTREGARON FUERA DE TIEMPO (-0,4)

1. El ingeniero Steven toma un préstamo por valor de $ 350.000.000 a un plazo d
efectuar los pagos Nº 12 por valor $15.500.000 y Nº 25 por valor $ 22.000.000, se re
después del abono extra Nº 25 con una tasa del 9,00% E.A para terminar de pag
PARAMETROS
VALOR PRESTAMO VP $ 350,000,000

TASA EFECTIVA ANUAL 8.50%
TASA EFECTIVA MENSUAL 1.36895%
Nº PERIDOS 6
Nº PERIDOS 72
ANUALIDADES - CUOTA $ 7,674,747

ANUALIDADES - CUOTA - EXCEL $ 7,674,747
INTERES TOTAL PRESTAMO $ 144,521,245
AMORTIZACION CON CUOTA FIJA - CUOTAS EXTRAORDINARIAS NO

PACTADAS -RELIQUIDAR LA CUOTA
INTERES ENTRE PERIODOS PERIODO
-$ 202,581,807 0
1 1
72 2
10
ABONO EXTRA CUOTA 22 11
$ 15,500,000 12
13
14
15
VALOR PRESTAMO VP - NUEVO SALDO 16
$224,234,021 17
TASA INTERES ANUAL 18
9.00000% 19
TASA INTERES ANUAL 20
0.72073% 21
PERIODO 22
47 23
CUOTA EXTRAODRINARIA - PERID 45 24
$ 22,000,000 25
RELIQUIDANDO CUOTA 26
$5,641,543.86 27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
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
$ 350.000.000 a un plazo de 6 años y para cancelar en cuotas mensuales, La tasa de interés es
por valor $ 22.000.000, se realizan unos abonos extras no pactados. ¿Cuál es la tasa mensual d
% E.A para terminar de pagar el prestamos con la nueva cuota ¿cuál es el saldo de la deuda a
préstamo?
CALCULO DE LA ANUALIDAD O CUOTA
CUOTA FIJA AMORTIZACIÓN - ABONO CAP
SEMESTRAL TASA FIJA
MENSUAL CUOTA EXTRA NO PACTADA
AÑOS 1
MESES 2
2 3 4
SALDO INICAL CUOTA ABONO ADICIONAL
$ 350,000,000 $ 7,674,747 $ -
$ 347,116,585 $ 7,674,747 $ -
$ 344,193,696 $ 7,674,747 $ -
$ 341,230,795 $ 7,674,747 $ -
$ 338,227,334 $ 7,674,747 $ -
$ 335,182,756 $ 7,674,747 $ -
$ 332,096,500 $ 7,674,747 $ -
$ 328,967,994 $ 7,674,747 $ -
$ 325,796,660 $ 7,674,747 $ -
$ 322,581,913 $ 7,674,747 $ -
$ 319,323,157 $ 7,674,747 $ -
$ 316,019,790 $ 7,674,747 $ 15,500,000
$ 297,171,202 $ 7,674,747 $ -
$ 293,564,585 $ 7,674,747 $ -
$ 289,908,596 $ 7,674,747 $ -
$ 286,202,558 $ 7,674,747 $ -
$ 282,445,787 $ 7,674,747 $ -
$ 278,637,586 $ 7,674,747 $ -
$ 274,777,254 $ 7,674,747 $ -
$ 270,864,075 $ 7,674,747 $ -
$ 266,897,327 $ 7,674,747 $ -
$ 262,876,275 $ 7,674,747 $ -
$ 258,800,178 $ 7,674,747 $ -
$ 254,668,281 $ 7,674,747 $ -
$ 250,479,820 $ 7,674,747 $ 22,000,000
$ 224,234,021 $ 5,641,544 $ -
$ 220,208,604 $ 5,641,544 $ -
$ 216,154,175 $ 5,641,544 $ -
$ 212,070,524 $ 5,641,544 $ -
$ 207,957,441 $ 5,641,544 $ -
$ 203,814,714 $ 5,641,544 $ -
$ 199,642,128 $ 5,641,544 $ -
$ 195,439,470 $ 5,641,544 $ -
$ 191,206,521 $ 5,641,544 $ -
$ 186,943,065 $ 5,641,544 $ -
$ 182,648,880 $ 5,641,544 $ -
$ 178,323,746 $ 5,641,544 $ -
$ 173,967,439 $ 5,641,544 $ -
$ 169,579,734 $ 5,641,544 $ -
$ 165,160,407 $ 5,641,544 $ -
$ 160,709,227 $ 5,641,544 $ -
$ 156,225,967 $ 5,641,544 $ -
$ 151,710,394 $ 5,641,544 $ -
$ 147,162,276 $ 5,641,544 $ -
$ 142,581,378 $ 5,641,544 $ -
$ 137,967,464 $ 5,641,544 $ -
$ 133,320,297 $ 5,641,544 $ -
$ 128,639,635 $ 5,641,544 $ -
$ 123,925,239 $ 5,641,544 $ -
$ 119,176,864 $ 5,641,544 $ -
$ 114,394,266 $ 5,641,544 $ -
$ 109,577,199 $ 5,641,544 $ -
$ 104,725,414 $ 5,641,544 $ -
$ 99,838,660 $ 5,641,544 $ -
$ 94,916,685 $ 5,641,544 $ -
$ 89,959,237 $ 5,641,544 $ -
$ 84,966,058 $ 5,641,544 $ -
$ 79,936,892 $ 5,641,544 $ -
$ 74,871,479 $ 5,641,544 $ -
$ 69,769,558 $ 5,641,544 $ -
$ 64,630,866 $ 5,641,544 $ -
$ 59,455,138 $ 5,641,544 $ -
$ 54,242,106 $ 5,641,544 $ -
$ 48,991,503 $ 5,641,544 $ -
$ 43,703,057 $ 5,641,544 $ -
$ 38,376,495 $ 5,641,544 $ -
$ 33,011,543 $ 5,641,544 $ -
$ 27,607,924 $ 5,641,544 $ -
$ 22,165,359 $ 5,641,544 $ -
$ 16,683,568 $ 5,641,544 $ -
$ 11,162,268 $ 5,641,544 $ -
$ 5,601,174 $ 5,641,544 $ -
a tasa de interés es del 8,50% Efectiva. Semestral, construir la tabla de amortización, si al mo
es la tasa mensual del crédito?, ¿cuál es el monto de la cuota mensual? ¿Calcular la cuota (rel
saldo de la deuda al final del tercer año? y ¿cuánto se paga sólo por concepto de intereses dur
CUOTA
ZACIÓN - ABONO CAPITAL INTERESES
PERIODO CUOTA EXTRA
12 $ 15,500,000
25 $ 22,000,000
5 6 7
CUOTA TOTAL AMORTIZACION - ABONO INTERES
$ 7,674,747 $ 2,883,415 $ 4,791,332

$ 7,674,747 $ 2,922,888 $ 4,751,859
$ 7,674,747 $ 2,962,901 $ 4,711,846
$ 7,674,747 $ 3,003,462 $ 4,671,286
$ 7,674,747 $ 3,044,578 $ 4,630,170
$ 7,674,747 $ 3,086,256 $ 4,588,491
$ 7,674,747 $ 3,128,506 $ 4,546,242
$ 7,674,747 $ 3,171,334 $ 4,503,414
$ 7,674,747 $ 3,214,748 $ 4,460,000
$ 7,674,747 $ 3,258,756 $ 4,415,991
$ 7,674,747 $ 3,303,367 $ 4,371,381
$ 23,174,747 $ 18,848,588 $ 4,326,159
$ 7,674,747 $ 3,606,616 $ 4,068,131
$ 7,674,747 $ 3,655,989 $ 4,018,758
$ 7,674,747 $ 3,706,038 $ 3,968,709
$ 7,674,747 $ 3,756,772 $ 3,917,976
$ 7,674,747 $ 3,808,200 $ 3,866,547
$ 7,674,747 $ 3,860,333 $ 3,814,415
$ 7,674,747 $ 3,913,179 $ 3,761,569
$ 7,674,747 $ 3,966,748 $ 3,707,999
$ 7,674,747 $ 4,021,051 $ 3,653,696
$ 7,674,747 $ 4,076,097 $ 3,598,650

$ 7,674,747 $ 4,131,897 $ 3,542,850
$ 7,674,747 $ 4,188,461 $ 3,486,286
$ 29,674,747 $ 26,245,799 $ 3,428,948
$ 5,641,544 $ 4,025,417 $ 1,616,127
$ 5,641,544 $ 4,054,429 $ 1,587,115
$ 5,641,544 $ 4,083,651 $ 1,557,893
$ 5,641,544 $ 4,113,083 $ 1,528,461
$ 5,641,544 $ 4,142,727 $ 1,498,817
$ 5,641,544 $ 4,172,585 $ 1,468,959
$ 5,641,544 $ 4,202,658 $ 1,438,885
$ 5,641,544 $ 4,232,948 $ 1,408,595
$ 5,641,544 $ 4,263,457 $ 1,378,087
$ 5,641,544 $ 4,294,185 $ 1,347,359
$ 5,641,544 $ 4,325,134 $ 1,316,410
$ 5,641,544 $ 4,356,307 $ 1,285,237
$ 5,641,544 $ 4,387,704 $ 1,253,840
$ 5,641,544 $ 4,419,328 $ 1,222,216
$ 5,641,544 $ 4,451,179 $ 1,190,364
$ 5,641,544 $ 4,483,261 $ 1,158,283
$ 5,641,544 $ 4,515,573 $ 1,125,971
$ 5,641,544 $ 4,548,118 $ 1,093,426

$ 5,641,544 $ 4,580,898 $ 1,060,646
$ 5,641,544 $ 4,613,914 $ 1,027,630
$ 5,641,544 $ 4,647,168 $ 994,376
$ 5,641,544 $ 4,680,661 $ 960,882
$ 5,641,544 $ 4,714,396 $ 927,147
$ 5,641,544 $ 4,748,375 $ 893,169
$ 5,641,544 $ 4,782,598 $ 858,946
$ 5,641,544 $ 4,817,067 $ 824,476
$ 5,641,544 $ 4,851,786 $ 789,758
$ 5,641,544 $ 4,886,754 $ 754,790
$ 5,641,544 $ 4,921,974 $ 719,569
$ 5,641,544 $ 4,957,449 $ 684,095
$ 5,641,544 $ 4,993,179 $ 648,365
$ 5,641,544 $ 5,029,166 $ 612,378
$ 5,641,544 $ 5,065,413 $ 576,131
$ 5,641,544 $ 5,101,921 $ 539,623
$ 5,641,544 $ 5,138,692 $ 502,852
$ 5,641,544 $ 5,175,728 $ 465,816
$ 5,641,544 $ 5,213,031 $ 428,512
$ 5,641,544 $ 5,250,603 $ 390,940
$ 5,641,544 $ 5,288,446 $ 353,098

$ 5,641,544 $ 5,326,562 $ 314,982
$ 5,641,544 $ 5,364,952 $ 276,592
$ 5,641,544 $ 5,403,619 $ 237,925
$ 5,641,544 $ 5,442,565 $ 198,979
$ 5,641,544 $ 5,481,791 $ 159,753
$ 5,641,544 $ 5,521,300 $ 120,244
$ 5,641,544 $ 5,561,094 $ 80,450
$ 5,641,544 $ 5,601,174 $ 40,369
$ 494,521,245 $ 350,000,000 $ 144,521,245
AHORRO POR ABONOS EXTRAS A CAPITAL -$ 58,060,562

ortización, si al momento de
alcular la cuota (reliquidación)
pto de intereses durante el
INTERES
$ - AMORTIZACIÓN
SALDO FINAL
SUCESIÓN ABONO
SUCESIÓN INTERES
8 SUCESIÓN MATEMATICA
SALDO FINAL ABONO CAPITAL
$ 350,000,000 CUOTA TOTAL
$ 347,116,585 37.57%
$ 344,193,696 38.08%
$ 341,230,795 38.61%
$ 338,227,334 39.13%
$ 335,182,756 39.67%
$ 332,096,500 40.21%
$ 328,967,994 40.76%
$ 325,796,660 41.32%
$ 322,581,913 41.89%
$ 319,323,157 42.46%
$ 316,019,790 43.04%
$ 297,171,202 81.33%
$ 293,564,585 46.99%
$ 289,908,596 47.64%
$ 286,202,558 48.29%
$ 282,445,787 48.95%
$ 278,637,586 49.62%
$ 274,777,254 50.30%
$ 270,864,075 50.99%
$ 266,897,327 51.69%
$ 262,876,275 52.39%
$ 258,800,178 53.11%
$ 254,668,281 53.84%
$ 250,479,820 54.57%
$ 224,234,021 88.44%
$ 220,208,604 71.35%
$ 216,154,175 71.87%
$ 212,070,524 72.39%
$ 207,957,441 72.91%
$ 203,814,714 73.43%
$ 199,642,128 73.96%
$ 195,439,470 74.49%
$ 191,206,521 75.03%
$ 186,943,065 75.57%
$ 182,648,880 76.12%
$ 178,323,746 76.67%
$ 173,967,439 77.22%
$ 169,579,734 77.77%
$ 165,160,407 78.34%
$ 160,709,227 78.90%
$ 156,225,967 79.47%
$ 151,710,394 80.04%
$ 147,162,276 80.62%
$ 142,581,378 81.20%
$ 137,967,464 81.78%
$ 133,320,297 82.37%
$ 128,639,635 82.97%
$ 123,925,239 83.57%
$ 119,176,864 84.17%
$ 114,394,266 84.77%
$ 109,577,199 85.39%
$ 104,725,414 86.00%
$ 99,838,660 86.62%
$ 94,916,685 87.25%
$ 89,959,237 87.87%
$ 84,966,058 88.51%
$ 79,936,892 89.15%
$ 74,871,479 89.79%
$ 69,769,558 90.43%
$ 64,630,866 91.09%
$ 59,455,138 91.74%
$ 54,242,106 92.40%
$ 48,991,503 93.07%
$ 43,703,057 93.74%
$ 38,376,495 94.42%
$ 33,011,543 95.10%
$ 27,607,924 95.78%
$ 22,165,359 96.47%
$ 16,683,568 97.17%
$ 11,162,268 97.87%
$ 5,601,174 98.57%
$ 0 CERO POLLITO 99.28%

SALDO F ANTERIOR x TASA INTERES (i)
CUOTA TOTAL - INTERES
SALDO ANTERIOR - AMORTIZACION CAPITAL
CUOTA / ABONO
CUOTA / INTERES
Seguro
Tarifa 0.06%
CESIÓN MATEMATICA 9 10
INTERES SEGURO TOTAL CUOTA
CUOTA TOTAL
62.43% $ 210,000 $ 7,884,747

61.92% $ 210,000 $ 7,884,747
61.39% $ 210,000 $ 7,884,747
60.87% $ 210,000 $ 7,884,747
60.33% $ 210,000 $ 7,884,747
59.79% $ 210,000 $ 7,884,747
59.24% $ 210,000 $ 7,884,747
58.68% $ 210,000 $ 7,884,747
58.11% $ 210,000 $ 7,884,747
57.54% $ 210,000 $ 7,884,747
56.96% $ 210,000 $ 7,884,747
18.67% $ 210,000 $ 23,384,747
53.01% $ 210,000 $ 7,884,747
52.36% $ 210,000 $ 7,884,747
51.71% $ 210,000 $ 7,884,747
51.05% $ 210,000 $ 7,884,747
50.38% $ 210,000 $ 7,884,747
49.70% $ 210,000 $ 7,884,747
49.01% $ 210,000 $ 7,884,747
48.31% $ 210,000 $ 7,884,747
47.61% $ 210,000 $ 7,884,747
46.89% $ 210,000 $ 7,884,747

46.16% $ 210,000 $ 7,884,747
45.43% $ 210,000 $ 7,884,747
11.56% $ 210,000 $ 29,884,747
28.65% $ 210,000 $ 5,851,544
28.13% $ 210,000 $ 5,851,544
27.61% $ 210,000 $ 5,851,544
27.09% $ 210,000 $ 5,851,544
26.57% $ 210,000 $ 5,851,544
26.04% $ 210,000 $ 5,851,544
25.51% $ 210,000 $ 5,851,544
24.97% $ 210,000 $ 5,851,544
24.43% $ 210,000 $ 5,851,544
23.88% $ 210,000 $ 5,851,544
23.33% $ 210,000 $ 5,851,544
22.78% $ 210,000 $ 5,851,544
22.23% $ 210,000 $ 5,851,544
21.66% $ 210,000 $ 5,851,544
21.10% $ 210,000 $ 5,851,544
20.53% $ 210,000 $ 5,851,544
19.96% $ 210,000 $ 5,851,544
19.38% $ 210,000 $ 5,851,544

18.80% $ 210,000 $ 5,851,544
18.22% $ 210,000 $ 5,851,544
17.63% $ 210,000 $ 5,851,544
17.03% $ 210,000 $ 5,851,544
16.43% $ 210,000 $ 5,851,544
15.83% $ 210,000 $ 5,851,544
15.23% $ 210,000 $ 5,851,544
14.61% $ 210,000 $ 5,851,544
14.00% $ 210,000 $ 5,851,544
13.38% $ 210,000 $ 5,851,544
12.75% $ 210,000 $ 5,851,544
12.13% $ 210,000 $ 5,851,544
11.49% $ 210,000 $ 5,851,544
10.85% $ 210,000 $ 5,851,544
10.21% $ 210,000 $ 5,851,544
9.57% $ 210,000 $ 5,851,544
8.91% $ 210,000 $ 5,851,544
8.26% $ 210,000 $ 5,851,544
7.60% $ 210,000 $ 5,851,544
6.93% $ 210,000 $ 5,851,544
6.26% $ 210,000 $ 5,851,544

5.58% $ 210,000 $ 5,851,544
4.90% $ 210,000 $ 5,851,544
4.22% $ 210,000 $ 5,851,544
3.53% $ 210,000 $ 5,851,544
2.83% $ 210,000 $ 5,851,544
2.13% $ 210,000 $ 5,851,544
1.43% $ 210,000 $ 5,851,544
0.72% $ 210,000 $ 5,851,544
$ 15,120,000 $ 509,641,245
SEGURO TOTAL PAGO TOTAL CREDITO

PAGO ENTRE PERIODOS
-$ 58,405,246
18
$3,633,218.24
2. Las Ingenieras Jesica y Neira solicitan un préstamo de $ 600.000.000 a un plazo d
Durante este préstamo se efectúa un abono 10 cuotas después de
15 cuotas después de comenzar a cancelar la nueva cuota, se acuerda con la entidad
PARAMETROS
TASA EFECTIVA (BIMESTRAL) 1.60%
Nº PERIDOS 12
Nº PERIDOS (BIMESTRES) 72
ANUALIDADES - CUOTA $ -
ANUALIDADES - CUOTA - EXCEL $ -

NPER 1
NPER 72
AMORTIZACION CON PERIODO DE GRACIA MUERTO - CUOTA

REDUCIDA
1
PERIODO
TASA EFEC. BIMESTRAL 0
1.60000% 1
NPER 2
72 3
VALOR PRESTAMO VP 4
$ 659,953,746 5
ANUALIDADES - CUOTA 6
$ 15,503,220 7
10
11
12
13
CUOTA EXTRAODRINARIA - 10 PERIODOS
DESPUES DE COMENZAR A PAGAR 14
15
$ 40,000,000 16
17
18
ANUALIDAD NUEVA - NPER 17 19

$ 14,481,251 20
TASA EFEC. MENSUAL 21
1.60000% 22
NPER 23
62 24
VALOR PRESTAMO VP 25
$ 566,798,283 26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
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
stamo de $ 600.000.000 a un plazo de 12 años, con periodo de gracia y se piensa cancelar en
primera cuota se paga desde el 7 Bimestre. (Period
ctúa un abono 10 cuotas después de comenzar a pagar el préstamo por valor de $40.000.000,
va cuota, se acuerda con la entidad bancaria para la siguiente cuota (bimestre) un nuevo peri
financiera con la cuota que se había re liquidad
ANUAL TASA FIJA
BIMESTRAL
AÑOS
BIMESTRES
2 3 4
SALDO INICAL CUOTA PAGO ADICIONAL
$ 600,000,000 $ - $ -
$ 609,600,000 $ - $ -
$ 619,353,600 $ - $ -
$ 629,263,258 $ - $ -
$ 639,331,470 $ - $ -
$ 649,560,773 $ - $ -
$ 659,953,746 $ 15,503,220 $ -
$ 655,009,786 $ 15,503,220 $ -
$ 649,986,723 $ 15,503,220 $ -
$ 644,883,291 $ 15,503,220 $ -
$ 639,698,203 $ 15,503,220 $ -
$ 634,430,155 $ 15,503,220 $ -
$ 629,077,818 $ 15,503,220 $ -
$ 623,639,843 $ 15,503,220 $ -
$ 618,114,861 $ 15,503,220 $ -
$ 612,501,479 $ 15,503,220 $ 40,000,000

$ 566,798,283 $ 14,481,251 $ -
$ 561,385,804 $ 14,481,251 $ -
$ 555,886,726 $ 14,481,251 $ -
$ 550,299,663 $ 14,481,251 $ -
$ 544,623,206 $ 14,481,251 $ -
$ 538,855,926 $ 14,481,251 $ -
$ 532,996,370 $ 14,481,251 $ -
$ 527,043,061 $ 14,481,251 $ -
$ 520,994,498 $ 14,481,251 $ -
$ 514,849,159 $ 14,481,251 $ -
$ 508,605,495 $ 14,481,251 $ -
$ 502,261,932 $ 14,481,251 $ -
$ 495,816,871 $ 14,481,251 $ -
$ 489,268,690 $ 14,481,251 $ -
$ 482,615,738 $ 14,481,251 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 7,613,701 $ -
$ 475,856,339 $ 14,481,251 $ -
$ 468,988,789 $ 14,481,251 $ -
$ 462,011,359 $ 14,481,251 $ -
$ 454,922,289 $ 14,481,251 $ -
$ 447,719,795 $ 14,481,251 $ -
$ 440,402,060 $ 14,481,251 $ -
$ 432,967,242 $ 14,481,251 $ -
$ 425,413,467 $ 14,481,251 $ -
$ 417,738,831 $ 14,481,251 $ -
$ 409,941,401 $ 14,481,251 $ -
$ 402,019,213 $ 14,481,251 $ -
$ 393,970,269 $ 14,481,251 $ -
$ 385,792,542 $ 14,481,251 $ -
$ 377,483,972 $ 14,481,251 $ -
$ 369,042,464 $ 14,481,251 $ -
$ 360,465,892 $ 14,481,251 $ -
$ 351,752,096 $ 14,481,251 $ -
$ 342,898,878 $ 14,481,251 $ -
$ 333,904,009 $ 14,481,251 $ -
$ 324,765,222 $ 14,481,251 $ -
$ 315,480,214 $ 14,481,251 $ -
$ 306,046,647 $ 14,481,251 $ -
$ 296,462,142 $ 14,481,251 $ -
$ 286,724,285 $ 14,481,251 $ -
$ 276,830,622 $ 14,481,251 $ -
$ 266,778,661 $ 14,481,251 $ -
$ 256,565,869 $ 14,481,251 $ -
$ 246,189,672 $ 14,481,251 $ -
$ 235,647,455 $ 14,481,251 $ -
$ 224,936,563 $ 14,481,251 $ -
$ 214,054,297 $ 14,481,251 $ -
$ 202,997,915 $ 14,481,251 $ -
$ 191,764,630 $ 14,481,251 $ -
$ 180,351,613 $ 14,481,251 $ -
$ 168,755,988 $ 14,481,251 $ -
$ 156,974,833 $ 14,481,251 $ -
$ 145,005,179 $ 14,481,251 $ -
$ 132,844,011 $ 14,481,251 $ -
$ 120,488,264 $ 14,481,251 $ -
$ 107,934,825 $ 14,481,251 $ -
$ 95,180,531 $ 14,481,251 $ -
$ 82,222,168 $ 14,481,251 $ -
$ 69,056,472 $ 14,481,251 $ -
$ 55,680,124 $ 14,481,251 $ -
$ 42,089,755 $ 14,481,251 $ -
$ 28,281,940 $ 14,481,251 $ -
$ 14,253,200 $ 14,481,251 $ -
piensa cancelar en cuotas Bimestrales. La tasa de interés es del 1,60% Efectiva. Bimestral, con
7 Bimestre. (Periodo de gracia muerto)
lor de $40.000.000, (Re liquidando) la cuota para los periodos que faltan para terminar la obli
stre) un nuevo periodo de gracia con (Cuota Reducida) por 8 Bimestres y luego de este period
e había re liquidado anteriormente.
CUOTA
INTERES SALDO F ANTERIOR x TASA INTERES (i)
AMORTIZACIÓN CUOTA TOTAL - INTERES
SALDO FINAL SALDO ANTERIOR - AMORTIZACION CAPI
SUCESIÓN ABONO CUOTA / ABONO
SUCESIÓN INTERES CUOTA / INTERES
5 6 7
$ - -$9,600,000 $ 9,600,000
$ - -$9,753,600 $ 9,753,600
$ - -$9,909,658 $ 9,909,658
$ - -$10,068,212 $ 10,068,212
$ - -$10,229,304 $ 10,229,304
$ - -$10,392,972 $ 10,392,972
$ 15,503,220 $4,943,960 $ 10,559,260
$ 15,503,220 $5,023,063 $ 10,480,157
$ 15,503,220 $5,103,432 $ 10,399,788
$ 15,503,220 $5,185,087 $ 10,318,133
$ 15,503,220 $5,268,048 $ 10,235,171
$ 15,503,220 $5,352,337 $ 10,150,882
$ 15,503,220 $5,437,975 $ 10,065,245
$ 15,503,220 $5,524,982 $ 9,978,237
$ 15,503,220 $5,613,382 $ 9,889,838
$ 55,503,220 $45,703,196 $ 9,800,024
$ 14,481,251 $5,412,479 $ 9,068,773
$ 14,481,251 $5,499,078 $ 8,982,173
$ 14,481,251 $5,587,064 $ 8,894,188

$ 14,481,251 $5,676,457 $ 8,804,795
$ 14,481,251 $5,767,280 $ 8,713,971
$ 14,481,251 $5,859,556 $ 8,621,695
$ 14,481,251 $5,953,309 $ 8,527,942
$ 14,481,251 $6,048,562 $ 8,432,689
$ 14,481,251 $6,145,339 $ 8,335,912
$ 14,481,251 $6,243,665 $ 8,237,587
$ 14,481,251 $6,343,563 $ 8,137,688
$ 14,481,251 $6,445,060 $ 8,036,191
$ 14,481,251 $6,548,181 $ 7,933,070
$ 14,481,251 $6,652,952 $ 7,828,299
$ 14,481,251 $6,759,399 $ 7,721,852
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 7,613,701 $0 $ 7,613,701
$ 14,481,251 $6,867,550 $ 7,613,701

$ 14,481,251 $6,977,430 $ 7,503,821
$ 14,481,251 $7,089,069 $ 7,392,182
$ 14,481,251 $7,202,494 $ 7,278,757
$ 14,481,251 $7,317,734 $ 7,163,517
$ 14,481,251 $7,434,818 $ 7,046,433
$ 14,481,251 $7,553,775 $ 6,927,476
$ 14,481,251 $7,674,636 $ 6,806,615
$ 14,481,251 $7,797,430 $ 6,683,821
$ 14,481,251 $7,922,189 $ 6,559,062
$ 14,481,251 $8,048,944 $ 6,432,307
$ 14,481,251 $8,177,727 $ 6,303,524
$ 14,481,251 $8,308,570 $ 6,172,681
$ 14,481,251 $8,441,508 $ 6,039,744
$ 14,481,251 $8,576,572 $ 5,904,679
$ 14,481,251 $8,713,797 $ 5,767,454
$ 14,481,251 $8,853,218 $ 5,628,034
$ 14,481,251 $8,994,869 $ 5,486,382
$ 14,481,251 $9,138,787 $ 5,342,464
$ 14,481,251 $9,285,008 $ 5,196,244
$ 14,481,251 $9,433,568 $ 5,047,683
$ 14,481,251 $9,584,505 $ 4,896,746

$ 14,481,251 $9,737,857 $ 4,743,394
$ 14,481,251 $9,893,663 $ 4,587,589
$ 14,481,251 $10,051,961 $ 4,429,290
$ 14,481,251 $10,212,793 $ 4,268,459
$ 14,481,251 $10,376,197 $ 4,105,054
$ 14,481,251 $10,542,216 $ 3,939,035
$ 14,481,251 $10,710,892 $ 3,770,359
$ 14,481,251 $10,882,266 $ 3,598,985
$ 14,481,251 $11,056,382 $ 3,424,869
$ 14,481,251 $11,233,284 $ 3,247,967
$ 14,481,251 $11,413,017 $ 3,068,234
$ 14,481,251 $11,595,625 $ 2,885,626
$ 14,481,251 $11,781,155 $ 2,700,096
$ 14,481,251 $11,969,654 $ 2,511,597
$ 14,481,251 $12,161,168 $ 2,320,083
$ 14,481,251 $12,355,747 $ 2,125,504
$ 14,481,251 $12,553,439 $ 1,927,812
$ 14,481,251 $12,754,294 $ 1,726,957
$ 14,481,251 $12,958,363 $ 1,522,888
$ 14,481,251 $13,165,696 $ 1,315,555
$ 14,481,251 $13,376,348 $ 1,104,904

$ 14,481,251 $13,590,369 $ 890,882
$ 14,481,251 $13,807,815 $ 673,436
$ 14,481,251 $14,028,740 $ 452,511
$ 14,481,251 $14,253,200 $ 228,051
$ 1,153,779,378 $ 600,000,000 $ 553,779,378

tiva. Bimestral, construir la tabla de amortización, Si la
ara terminar la obligación financiera.
uego de este periodo se continua el pago de la obligación
R x TASA INTERES (i)
TERES
AMORTIZACION CAPITAL
$ 609,600,000 #DIV/0!
$ 619,353,600 #DIV/0!
$ 629,263,258 #DIV/0!
$ 639,331,470 #DIV/0!
$ 649,560,773 #DIV/0!
$ 659,953,746 #DIV/0!
$ 655,009,786 31.89%
$ 649,986,723 32.40%
$ 644,883,291 32.92%
$ 639,698,203 33.45%
$ 634,430,155 33.98%
$ 629,077,818 34.52%
$ 623,639,843 35.08%
$ 618,114,861 35.64%
$ 612,501,479 36.21%
$ 566,798,283 82.34%
$ 561,385,804 37.38%
$ 555,886,726 37.97%
$ 550,299,663 38.58%
$ 544,623,206 39.20%
$ 538,855,926 39.83%
$ 532,996,370 40.46%
$ 527,043,061 41.11%
$ 520,994,498 41.77%
$ 514,849,159 42.44%
$ 508,605,495 43.12%
$ 502,261,932 43.81%
$ 495,816,871 44.51%
$ 489,268,690 45.22%
$ 482,615,738 45.94%
$ 475,856,339 46.68%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 475,856,339 0.00%
$ 468,988,789 47.42%
$ 462,011,359 48.18%
$ 454,922,289 48.95%
$ 447,719,795 49.74%
$ 440,402,060 50.53%
$ 432,967,242 51.34%
$ 425,413,467 52.16%
$ 417,738,831 53.00%
$ 409,941,401 53.85%
$ 402,019,213 54.71%
$ 393,970,269 55.58%
$ 385,792,542 56.47%
$ 377,483,972 57.37%
$ 369,042,464 58.29%
$ 360,465,892 59.23%
$ 351,752,096 60.17%
$ 342,898,878 61.14%
$ 333,904,009 62.11%
$ 324,765,222 63.11%
$ 315,480,214 64.12%
$ 306,046,647 65.14%
$ 296,462,142 66.19%
$ 286,724,285 67.24%
$ 276,830,622 68.32%
$ 266,778,661 69.41%
$ 256,565,869 70.52%
$ 246,189,672 71.65%
$ 235,647,455 72.80%
$ 224,936,563
$ 214,054,297
$ 202,997,915
$ 191,764,630
$ 180,351,613
$ 168,755,988
$ 156,974,833
$ 145,005,179
$ 132,844,011
$ 120,488,264
$ 107,934,825
$ 95,180,531
$ 82,222,168
$ 69,056,472
$ 55,680,124
$ 42,089,755
$ 28,281,940
$ 14,253,200
$ 0
Seguro
Tarifa 0.06%
CUOTA TOTAL
#DIV/0! $ 360,000 $ 360,000
#DIV/0! $ 360,000 $ 360,000
#DIV/0! $ 360,000 $ 360,000
#DIV/0! $ 360,000 $ 360,000
#DIV/0! $ 360,000 $ 360,000
#DIV/0! $ 360,000 $ 360,000
68.11% $ 360,000 $ 15,863,220
67.60% $ 360,000 $ 15,863,220
67.08% $ 360,000 $ 15,863,220
66.55% $ 360,000 $ 15,863,220
66.02% $ 360,000 $ 15,863,220
65.48% $ 360,000 $ 15,863,220
64.92% $ 360,000 $ 15,863,220
64.36% $ 360,000 $ 15,863,220
63.79% $ 360,000 $ 15,863,220
17.66% $ 360,000 $ 55,863,220
62.62% $ 360,000 $ 14,841,251
62.03% $ 360,000 $ 14,841,251
61.42% $ 360,000 $ 14,841,251

60.80% $ 360,000 $ 14,841,251
60.17% $ 360,000 $ 14,841,251
59.54% $ 360,000 $ 14,841,251
58.89% $ 360,000 $ 14,841,251
58.23% $ 360,000 $ 14,841,251
57.56% $ 360,000 $ 14,841,251
56.88% $ 360,000 $ 14,841,251
56.19% $ 360,000 $ 14,841,251
55.49% $ 360,000 $ 14,841,251
54.78% $ 360,000 $ 14,841,251
54.06% $ 360,000 $ 14,841,251
53.32% $ 360,000 $ 14,841,251
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
100.00% $ 360,000 $ 7,973,701
52.58% $ 360,000 $ 14,841,251

51.82% $ 360,000 $ 14,841,251
51.05% $ 360,000 $ 14,841,251
50.26% $ 360,000 $ 14,841,251
49.47% $ 360,000 $ 14,841,251
48.66% $ 360,000 $ 14,841,251
47.84% $ 360,000 $ 14,841,251
47.00% $ 360,000 $ 14,841,251
46.15% $ 360,000 $ 14,841,251
45.29% $ 360,000 $ 14,841,251
44.42% $ 360,000 $ 14,841,251
43.53% $ 360,000 $ 14,841,251
42.63% $ 360,000 $ 14,841,251
41.71% $ 360,000 $ 14,841,251
40.77% $ 360,000 $ 14,841,251
39.83% $ 360,000 $ 14,841,251
38.86% $ 360,000 $ 14,841,251
37.89% $ 360,000 $ 14,841,251
36.89% $ 360,000 $ 14,841,251
35.88% $ 360,000 $ 14,841,251
34.86% $ 360,000 $ 14,841,251
33.81% $ 360,000 $ 14,841,251

32.76% $ 360,000 $ 14,841,251
31.68% $ 360,000 $ 14,841,251
30.59% $ 360,000 $ 14,841,251
29.48% $ 360,000 $ 14,841,251
28.35% $ 360,000 $ 14,841,251
27.20% $ 360,000 $ 14,841,251

$ 24,120,000
3. El ingeniero Acosta toma un préstamo $ 250.000.000 a un plazo de 12 años, pag
¿cuál es el monto de la cuota Trimestral?, ¿cuál es el saldo de la deuda al fina
PARAMETROS
NUEVO VALOR PRESENTE PR $ 230,024,960

Nº PERIDOS (AÑOS) 12
Nº PERIDOS (TRIMESTRES) 48

AMORTIZACION CON CUOTA FIJA - CUOTAS EXTRAORDINARIAS

PACTADAS
-$ 274,782,522 0
1 1
48 2
CUOTA EXTRAO.PACTADA - NPER 10 9
$ 15,000,000 10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
CUOTA EXTRAO.PACTADA - NPER 29 27
$ 25,000,000 28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
.000.000 a un plazo de 12 años, pagándolo en cuotas pactadas Trimestrales. La tasa de interé
, ¿cuál es el saldo de la deuda al final de la cuota 16? y ¿cuánto se paga sólo por concepto de i
Cuotas pactadas Nº 10 - $ 15.000.000 y Cuota Nº
ANUAL TASA FIJA
TRIMESTRAL
AÑOS
TRIMESTRES
2 3 4

$ 250,000,000 $ 10,059,423 $ -
$ 248,830,096 $ 10,059,423 $ -
$ 247,618,592 $ 10,059,423 $ -
$ 246,364,010 $ 10,059,423 $ -
$ 245,064,817 $ 10,059,423 $ -
$ 243,719,427 $ 10,059,423 $ -
$ 242,326,198 $ 10,059,423 $ -
$ 240,883,428 $ 10,059,423 $ -
$ 239,389,356 $ 10,059,423 $ -
$ 237,842,158 $ 10,059,423 $ 15,000,000
$ 221,239,944 $ 10,059,423 $ -
$ 219,047,388 $ 10,059,423 $ -
$ 216,776,869 $ 10,059,423 $ -
$ 214,425,614 $ 10,059,423 $ -
$ 211,990,753 $ 10,059,423 $ -
$ 209,469,313 $ 10,059,423 $ -
$ 206,858,216 $ 10,059,423 $ -
$ 204,154,273 $ 10,059,423 $ -
$ 201,354,183 $ 10,059,423 $ -
$ 198,454,527 $ 10,059,423 $ -
$ 195,451,765 $ 10,059,423 $ -
$ 192,342,231 $ 10,059,423 $ -
$ 189,122,127 $ 10,059,423 $ -
$ 185,787,523 $ 10,059,423 $ -
$ 182,334,347 $ 10,059,423 $ -
$ 178,758,382 $ 10,059,423 $ -
$ 175,055,263 $ 10,059,423 $ -
$ 171,220,468 $ 10,059,423 $ 25,000,000
$ 142,249,315 $ 10,059,423 $ -
$ 137,248,004 $ 10,059,423 $ -
$ 132,068,856 $ 10,059,423 $ -
$ 126,705,547 $ 10,059,423 $ -
$ 121,151,530 $ 10,059,423 $ -
$ 115,400,022 $ 10,059,423 $ -
$ 109,444,001 $ 10,059,423 $ -
$ 103,276,196 $ 10,059,423 $ -
$ 96,889,076 $ 10,059,423 $ -
$ 90,274,842 $ 10,059,423 $ -
$ 83,425,418 $ 10,059,423 $ -
$ 76,332,443 $ 10,059,423 $ -
$ 68,987,254 $ 10,059,423 $ -
$ 61,380,885 $ 10,059,423 $ -
$ 53,504,048 $ 10,059,423 $ -
$ 45,347,126 $ 10,059,423 $ -
$ 36,900,159 $ 10,059,423 $ -
$ 28,152,835 $ 10,059,423 $ -
$ 19,094,472 $ 10,059,423 $ -
$ 9,714,012 $ 10,059,423 $ -
s. La tasa de interés es del 15% Efectiva anual, construir la tabla de amortización, ¿Cuál es la t
o por concepto de intereses en la cuota número 24? ¿cuánto se paga sólo por concepto de int
000.000 y Cuota Nº 28 - $ 25.000.000
CUOTA
PERIODO CUOTA EXTRA VALOR PRESENTE
10 $ 15,000,000 $ 10,576,614
28 $ 25,000,000 $ 9,398,426
PAGOS FUTUROS
5 6 7

$ 10,059,423 $ 1,169,904 $ 8,889,519
$ 10,059,423 $ 1,211,504 $ 8,847,920
$ 10,059,423 $ 1,254,582 $ 8,804,841
$ 10,059,423 $ 1,299,193 $ 8,760,230
$ 10,059,423 $ 1,345,390 $ 8,714,033
$ 10,059,423 $ 1,393,229 $ 8,666,194
$ 10,059,423 $ 1,442,770 $ 8,616,653
$ 10,059,423 $ 1,494,072 $ 8,565,351
$ 10,059,423 $ 1,547,198 $ 8,512,225
$ 25,059,423 $ 16,602,214 $ 8,457,210
$ 10,059,423 $ 2,192,556 $ 7,866,867
$ 10,059,423 $ 2,270,519 $ 7,788,904
$ 10,059,423 $ 2,351,255 $ 7,708,168
$ 10,059,423 $ 2,434,861 $ 7,624,562
$ 10,059,423 $ 2,521,440 $ 7,537,983
$ 10,059,423 $ 2,611,097 $ 7,448,326
$ 10,059,423 $ 2,703,943 $ 7,355,480
$ 10,059,423 $ 2,800,090 $ 7,259,333
$ 10,059,423 $ 2,899,656 $ 7,159,767
$ 10,059,423 $ 3,002,762 $ 7,056,661
$ 10,059,423 $ 3,109,534 $ 6,949,889

$ 10,059,423 $ 3,220,103 $ 6,839,320
$ 10,059,423 $ 3,334,604 $ 6,724,819
$ 10,059,423 $ 3,453,176 $ 6,606,247
$ 10,059,423 $ 3,575,965 $ 6,483,459
$ 10,059,423 $ 3,703,119 $ 6,356,304
$ 10,059,423 $ 3,834,795 $ 6,224,628
$ 35,059,423 $ 28,971,153 $ 6,088,270
$ 10,059,423 $ 5,001,311 $ 5,058,112
$ 10,059,423 $ 5,179,148 $ 4,880,275
$ 10,059,423 $ 5,363,309 $ 4,696,114
$ 10,059,423 $ 5,554,018 $ 4,505,406
$ 10,059,423 $ 5,751,508 $ 4,307,915
$ 10,059,423 $ 5,956,020 $ 4,103,403
$ 10,059,423 $ 6,167,805 $ 3,891,618
$ 10,059,423 $ 6,387,120 $ 3,672,303
$ 10,059,423 $ 6,614,234 $ 3,445,189
$ 10,059,423 $ 6,849,423 $ 3,210,000
$ 10,059,423 $ 7,092,976 $ 2,966,447
$ 10,059,423 $ 7,345,188 $ 2,714,235
$ 10,059,423 $ 7,606,369 $ 2,453,054
$ 10,059,423 $ 7,876,837 $ 2,182,586

$ 10,059,423 $ 8,156,922 $ 1,902,501
$ 10,059,423 $ 8,446,967 $ 1,612,457
$ 10,059,423 $ 8,747,325 $ 1,312,099
$ 10,059,423 $ 9,058,363 $ 1,001,061
$ 10,059,423 $ 9,380,461 $ 678,963
$ 10,059,423 $ 9,714,012 $ 345,412
$ 522,852,314 $ 250,000,000 $ 272,852,314

zación, ¿Cuál es la tasa efectiva Trimestral del crédito?
por concepto de intereses durante el préstamo?
INTERES
AMORTIZACIÓN
SALDO FINAL
SUCESIÓN ABONO
SUCESIÓN INTERES

$ 248,830,096 11.63%
$ 247,618,592 12.04%
$ 246,364,010 12.47%
$ 245,064,817 12.92%
$ 243,719,427 13.37%
$ 242,326,198 13.85%
$ 240,883,428 14.34%
$ 239,389,356 14.85%
$ 237,842,158 15.38%
$ 221,239,944 66.25%
$ 219,047,388 21.80%
$ 216,776,869 22.57%
$ 214,425,614 23.37%
$ 211,990,753 24.20%
$ 209,469,313 25.07%
$ 206,858,216 25.96%
$ 204,154,273 26.88%
$ 201,354,183 27.84%
$ 198,454,527 28.83%
$ 195,451,765 29.85%
$ 192,342,231 30.91%
$ 189,122,127 32.01%
$ 185,787,523 33.15%
$ 182,334,347 34.33%
$ 178,758,382 35.55%
$ 175,055,263 36.81%
$ 171,220,468 38.12%
$ 142,249,315 82.63%
$ 137,248,004 49.72%
$ 132,068,856 51.49%
$ 126,705,547 53.32%
$ 121,151,530 55.21%
$ 115,400,022 57.18%
$ 109,444,001 59.21%
$ 103,276,196 61.31%
$ 96,889,076 63.49%
$ 90,274,842 65.75%
$ 83,425,418 68.09%
$ 76,332,443 70.51%
$ 68,987,254 73.02%
$ 61,380,885 75.61%
$ 53,504,048 78.30%
$ 45,347,126 81.09%
$ 36,900,159 83.97%
$ 28,152,835 86.96%
$ 19,094,472 90.05%
$ 9,714,012 93.25%
-$ 0 CERO POLLITO 96.57%

CUOTA / ABONO
CUOTA / INTERES
Seguro
Tarifa 0.06%
CUOTA TOTAL
88.37% $ 150,000 $ 10,209,423
87.96% $ 150,000 $ 10,209,423
87.53% $ 150,000 $ 10,209,423
87.08% $ 150,000 $ 10,209,423
86.63% $ 150,000 $ 10,209,423
86.15% $ 150,000 $ 10,209,423
85.66% $ 150,000 $ 10,209,423
85.15% $ 150,000 $ 10,209,423
84.62% $ 150,000 $ 10,209,423
33.75% $ 150,000 $ 25,209,423
78.20% $ 150,000 $ 10,209,423
77.43% $ 150,000 $ 10,209,423
76.63% $ 150,000 $ 10,209,423
75.80% $ 150,000 $ 10,209,423
74.93% $ 150,000 $ 10,209,423
74.04% $ 150,000 $ 10,209,423
73.12% $ 150,000 $ 10,209,423
72.16% $ 150,000 $ 10,209,423
71.17% $ 150,000 $ 10,209,423
70.15% $ 150,000 $ 10,209,423
69.09% $ 150,000 $ 10,209,423

67.99% $ 150,000 $ 10,209,423
66.85% $ 150,000 $ 10,209,423
65.67% $ 150,000 $ 10,209,423
64.45% $ 150,000 $ 10,209,423
63.19% $ 150,000 $ 10,209,423
61.88% $ 150,000 $ 10,209,423
17.37% $ 150,000 $ 35,209,423
50.28% $ 150,000 $ 10,209,423
48.51% $ 150,000 $ 10,209,423
46.68% $ 150,000 $ 10,209,423
44.79% $ 150,000 $ 10,209,423
42.82% $ 150,000 $ 10,209,423
40.79% $ 150,000 $ 10,209,423
38.69% $ 150,000 $ 10,209,423
36.51% $ 150,000 $ 10,209,423
34.25% $ 150,000 $ 10,209,423
31.91% $ 150,000 $ 10,209,423
29.49% $ 150,000 $ 10,209,423
26.98% $ 150,000 $ 10,209,423
24.39% $ 150,000 $ 10,209,423
21.70% $ 150,000 $ 10,209,423

18.91% $ 150,000 $ 10,209,423
16.03% $ 150,000 $ 10,209,423
13.04% $ 150,000 $ 10,209,423
9.95% $ 150,000 $ 10,209,423
6.75% $ 150,000 $ 10,209,423
3.43% $ 150,000 $ 10,209,423

PAGO ENTRE PERIODOS
-$ 50,318,960
18
$3,701,091.84
4. Una entidad bancaria concede un préstamo de $ 500.000.000 a la ing. P
tabla de amortización, si al momento de efectuar el pago Nº 20 y Nº 30 se
saldo de la deuda al final del Quint
Cuo
PARAMETROS

Nº PERIDOS (AÑOS) 20
Nº PERIDOS (SEMESTRES) 40

AMORTIZACION CON CUOTA FIJA - CUOTAS EXTRAORDINARIAS NO

PACTADAS - DISMINUCIÓN PLAZO
-$ 616,509,045 0
1 1
40 2
10
11
12
13
14
15
16
17
18
$ 15,000,000 20
21
22
23
24
25
26
27
28
$ 30,000,000 30
31
32
33
34
35
36
CALCULO DE CUOTA FINAL DISM PLAZO 37
SALDO ANTERIOR + INTERES PERIODO CUOTA 38

82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
$ 500.000.000 a la ing. Paola para comprar de un apto con un plazo de 20 años y
el pago Nº 20 y Nº 30 se realizan unos abonos extras no pactados por $15.000.000
deuda al final del Quinto año? ¿El valor del interés del año doce? y ¿cuánto se p
Cuotas No pactadas Nº 20 - $ 15.000.000 y Cuota Nº 30 - $ 30.0
ANUAL TASA FIJA
SEMESTRAL
AÑOS
SEMESTRES
2 3 4

$ 500,000,000 $ 27,912,726 $ -
$ 495,537,367 $ 27,912,726 $ -
$ 490,865,436 $ 27,912,726 $ -
$ 485,974,390 $ 27,912,726 $ -
$ 480,853,953 $ 27,912,726 $ -
$ 475,493,367 $ 27,912,726 $ -
$ 469,881,368 $ 27,912,726 $ -
$ 464,006,166 $ 27,912,726 $ -
$ 457,855,416 $ 27,912,726 $ -
$ 451,416,194 $ 27,912,726 $ -
$ 444,674,971 $ 27,912,726 $ -
$ 437,617,584 $ 27,912,726 $ -
$ 430,229,204 $ 27,912,726 $ -
$ 422,494,308 $ 27,912,726 $ -
$ 414,396,643 $ 27,912,726 $ -
$ 405,919,197 $ 27,912,726 $ -
$ 397,044,157 $ 27,912,726 $ -
$ 387,752,876 $ 27,912,726 $ -
$ 378,025,832 $ 27,912,726 $ -
$ 367,842,587 $ 27,912,726 $ 15,000,000
$ 342,181,747 $ 27,912,726 $ -
$ 330,317,409 $ 27,912,726 $ -
$ 317,896,631 $ 27,912,726 $ -
$ 304,893,316 $ 27,912,726 $ -
$ 291,280,143 $ 27,912,726 $ -
$ 277,028,510 $ 27,912,726 $ -
$ 262,108,472 $ 27,912,726 $ -
$ 246,488,682 $ 27,912,726 $ -
$ 230,136,321 $ 27,912,726 $ -
$ 213,017,032 $ 27,912,726 $ 30,000,000
$ 165,094,844 $ 27,912,726 $ -
$ 144,925,097 $ 27,912,726 $ -
$ 123,809,385 $ 27,912,726 $ -
$ 101,703,342 $ 27,912,726 $ -
$ 78,560,521 $ 27,912,726 $ -
$ 54,332,298 $ 27,912,726 $ -
$ 28,967,767 $ 27,912,726 $ -
$ 2,413,635 $ 2,526,834 $ -
zo de 20 años y para cancelar en cuotas Semestrales. La tasa de interés es del 9,
s por $15.000.000. y 30.000.000. ¿Cuál es la tasa Semestral del crédito?, ¿cuál es e
? y ¿cuánto se paga sólo por concepto de intereses durante el préstamo?
uota Nº 30 - $ 30.000.000 – disminución plazo
CUOTA
CUOTA EXTRA NO PACTADA PERIODO CUOTA EXTRA
1 20 $ 15,000,000
2 30 $ 30,000,000
5 6 7

$ 27,912,726 $ 4,462,633 $ 23,450,093
$ 27,912,726 $ 4,671,931 $ 23,240,795
$ 27,912,726 $ 4,891,046 $ 23,021,680
$ 27,912,726 $ 5,120,437 $ 22,792,289
$ 27,912,726 $ 5,360,586 $ 22,552,140
$ 27,912,726 $ 5,611,999 $ 22,300,727
$ 27,912,726 $ 5,875,202 $ 22,037,524
$ 27,912,726 $ 6,150,751 $ 21,761,976
$ 27,912,726 $ 6,439,222 $ 21,473,504
$ 27,912,726 $ 6,741,223 $ 21,171,504
$ 27,912,726 $ 7,057,387 $ 20,855,339
$ 27,912,726 $ 7,388,380 $ 20,524,346
$ 27,912,726 $ 7,734,896 $ 20,177,830
$ 27,912,726 $ 8,097,664 $ 19,815,062
$ 27,912,726 $ 8,477,446 $ 19,435,280
$ 27,912,726 $ 8,875,040 $ 19,037,686
$ 27,912,726 $ 9,291,281 $ 18,621,445
$ 27,912,726 $ 9,727,044 $ 18,185,682
$ 27,912,726 $ 10,183,244 $ 17,729,482
$ 42,912,726 $ 25,660,840 $ 17,251,886
$ 27,912,726 $ 11,864,338 $ 16,048,388

$ 27,912,726 $ 12,420,778 $ 15,491,948
$ 27,912,726 $ 13,003,315 $ 14,909,411
$ 27,912,726 $ 13,613,173 $ 14,299,553
$ 27,912,726 $ 14,251,633 $ 13,661,093
$ 27,912,726 $ 14,920,037 $ 12,992,689
$ 27,912,726 $ 15,619,790 $ 12,292,936
$ 27,912,726 $ 16,352,361 $ 11,560,365
$ 27,912,726 $ 17,119,290 $ 10,793,436
$ 57,912,726 $ 47,922,188 $ 9,990,538
$ 27,912,726 $ 20,169,747 $ 7,742,979
$ 27,912,726 $ 21,115,712 $ 6,797,014
$ 27,912,726 $ 22,106,043 $ 5,806,683
$ 27,912,726 $ 23,142,820 $ 4,769,906
$ 27,912,726 $ 24,228,223 $ 3,684,503
$ 27,912,726 $ 25,364,531 $ 2,548,195
$ 27,912,726 $ 26,554,132 $ 1,358,594
$ 2,526,834 $ 2,413,635 $ 113,200
$ 1,080,297,701 $ 500,000,000 $ 580,297,701

interés es del 9,60% Efectivo Anual, construir la
édito?, ¿cuál es el monto de la cuota? ¿cuál es el
réstamo?
INTERES
AMORTIZACIÓN
SALDO FINAL
SUCESIÓN ABONO
SUCESIÓN INTERES

$ 495,537,367 15.99%
$ 490,865,436 16.74%
$ 485,974,390 17.52%
$ 480,853,953 18.34%
$ 475,493,367 19.20%
$ 469,881,368 20.11%
$ 464,006,166 21.05%
$ 457,855,416 22.04%
$ 451,416,194 23.07%
$ 444,674,971 24.15%
$ 437,617,584 25.28%
$ 430,229,204 26.47%
$ 422,494,308 27.71%
$ 414,396,643 29.01%
$ 405,919,197 30.37%
$ 397,044,157 31.80%
$ 387,752,876 33.29%
$ 378,025,832 34.85%
$ 367,842,587 36.48%
$ 342,181,747 59.80%
$ 330,317,409 42.51%
$ 317,896,631 44.50%
$ 304,893,316 46.59%
$ 291,280,143 48.77%
$ 277,028,510 51.06%
$ 262,108,472 53.45%
$ 246,488,682 55.96%
$ 230,136,321 58.58%
$ 213,017,032 61.33%
$ 165,094,844 82.75%
$ 144,925,097 72.26%
$ 123,809,385 75.65%
$ 101,703,342 79.20%
$ 78,560,521 82.91%
$ 54,332,298 86.80%
$ 28,967,767 90.87%
$ 2,413,635 95.13%
$ - 95.52%
CUOTA / ABONO
CUOTA / INTERES
Seguro
Tarifa 0.06%
CUOTA TOTAL
84.01% $ 300,000 $ 28,212,726
83.26% $ 300,000 $ 28,212,726
82.48% $ 300,000 $ 28,212,726
81.66% $ 300,000 $ 28,212,726
80.80% $ 300,000 $ 28,212,726
79.89% $ 300,000 $ 28,212,726
78.95% $ 300,000 $ 28,212,726
77.96% $ 300,000 $ 28,212,726
76.93% $ 300,000 $ 28,212,726
75.85% $ 300,000 $ 28,212,726
74.72% $ 300,000 $ 28,212,726
73.53% $ 300,000 $ 28,212,726
72.29% $ 300,000 $ 28,212,726
70.99% $ 300,000 $ 28,212,726
69.63% $ 300,000 $ 28,212,726
68.20% $ 300,000 $ 28,212,726
66.71% $ 300,000 $ 28,212,726
65.15% $ 300,000 $ 28,212,726
63.52% $ 300,000 $ 28,212,726
40.20% $ 300,000 $ 43,212,726
57.49% $ 300,000 $ 28,212,726

55.50% $ 300,000 $ 28,212,726
53.41% $ 300,000 $ 28,212,726
51.23% $ 300,000 $ 28,212,726
48.94% $ 300,000 $ 28,212,726
46.55% $ 300,000 $ 28,212,726
44.04% $ 300,000 $ 28,212,726
41.42% $ 300,000 $ 28,212,726
38.67% $ 300,000 $ 28,212,726
17.25% $ 300,000 $ 58,212,726
27.74% $ 300,000 $ 28,212,726
24.35% $ 300,000 $ 28,212,726
20.80% $ 300,000 $ 28,212,726
17.09% $ 300,000 $ 28,212,726
13.20% $ 300,000 $ 28,212,726
9.13% $ 300,000 $ 28,212,726
4.87% $ 300,000 $ 28,212,726
4.48% $ 300,000 $ 2,826,834
$ 11,400,000 $ 1,091,697,701
SEGURO TOTAL PAGO TOTAL CREDITO

PAGO ENTRE PERIODOS
-$ 121,974,168
18
$9,727,044.03
5. La empresa constructora UFPS-CIVIL SAS solicita un préstamo de $ 650.000.000 M
Con base en la información dada, responde a las siguientes preguntas: ¿Cuál es la tas
número 18? cuanto fue
CONSTRUIR LAS TABLAS MEDIANTE LOS MODELOS D
PARAMETROS
TASA EFECTIVA TRIMESTRAL 2.29479%
Nº PERIDOS (Años) 10
Nº PERIDOS (Ttrimestres) 40

INTERES TOTAL PRESTAMO -$ 350,269,051
AMORTIZACION CON CUOTAS FIJAS UNIFORMES -

METODO FRANCES
INTERES ENTRE PERIODOS

-$ 350,269,051
40
PAGO ENTRE PERIODOS
-$ 221,792,959
18
PAGO CAPITAL PERIODO 18
$14,839,718.24
AMORTIZACION CON CUOTAS VARIABLE
METODO ALEMAN
PARAMETROS
TASA EFECTIVA TRIMESTRAL 2.29479%
Nº PERIDOS (Años) 10
Nº PERIDOS (Ttrimestres) 40

cita un préstamo de $ 650.000.000 Millones de pesos para invertir en un proyecto de constru
efectivo anual (EA) pagaderos Trimestralment
siguientes preguntas: ¿Cuál es la tasa del crédito?, ¿cuál es el monto de la cuota Trimestral?, ¿
número 18? cuanto fue el abono a capital en la cuota 29? Y ¿cuánto se paga sólo
TABLAS MEDIANTE LOS MODELOS DE CUOTA FIJA Y CUOTA VARIABLE Y COMPARE CUAL ES M
ANUAL TASA FIJA
TRIMESTRAL
AÑOS
TRIMESTRES
1 2 3
PERIODO SALDO INICAL CUOTA

0
1 $ 650,000,000 $ 25,006,726
2 $ 639,909,431 $ 25,006,726
3 $ 629,587,305 $ 25,006,726
4 $ 619,028,307 $ 25,006,726
5 $ 608,227,001 $ 25,006,726
6 $ 597,177,829 $ 25,006,726
7 $ 585,875,100 $ 25,006,726
8 $ 574,312,997 $ 25,006,726
9 $ 562,485,568 $ 25,006,726
10 $ 550,386,724 $ 25,006,726
11 $ 538,010,236 $ 25,006,726
12 $ 525,349,733 $ 25,006,726
13 $ 512,398,698 $ 25,006,726
14 $ 499,150,464 $ 25,006,726
15 $ 485,598,210 $ 25,006,726
16 $ 471,734,959 $ 25,006,726
17 $ 457,553,576 $ 25,006,726
18 $ 443,046,759 $ 25,006,726
19 $ 428,207,041 $ 25,006,726
20 $ 413,026,782 $ 25,006,726
21 $ 397,498,167 $ 25,006,726
22 $ 381,613,203 $ 25,006,726
23 $ 365,363,711 $ 25,006,726
24 $ 348,741,328 $ 25,006,726
25 $ 331,737,495 $ 25,006,726
26 $ 314,343,459 $ 25,006,726
27 $ 296,550,265 $ 25,006,726
28 $ 278,348,755 $ 25,006,726
29 $ 259,729,558 $ 25,006,726
30 $ 240,683,089 $ 25,006,726
31 $ 221,199,542 $ 25,006,726
32 $ 201,268,888 $ 25,006,726
33 $ 180,880,867 $ 25,006,726
34 $ 160,024,983 $ 25,006,726
35 $ 138,690,500 $ 25,006,726
36 $ 116,866,434 $ 25,006,726
37 $ 94,541,551 $ 25,006,726
38 $ 71,704,358 $ 25,006,726
39 $ 48,343,099 $ 25,006,726
40 $ 24,445,747 $ 25,006,726
1 2 3
PERIODO SALDO INICAL CUOTA
1 $ 650,000,000 $ 31,166,157
2 $ 633,750,000 $ 30,793,254
3 $ 617,500,000 $ 30,420,350
4 $ 601,250,000 $ 30,047,446
5 $ 585,000,000 $ 29,674,542
6 $ 568,750,000 $ 29,301,638
7 $ 552,500,000 $ 28,928,734
8 $ 536,250,000 $ 28,555,830
9 $ 520,000,000 $ 28,182,926
10 $ 503,750,000 $ 27,810,022
11 $ 487,500,000 $ 27,437,118
12 $ 471,250,000 $ 27,064,214
13 $ 455,000,000 $ 26,691,310
14 $ 438,750,000 $ 26,318,406
15 $ 422,500,000 $ 25,945,502
16 $ 406,250,000 $ 25,572,598
17 $ 390,000,000 $ 25,199,694
18 $ 373,750,000 $ 24,826,791
19 $ 357,500,000 $ 24,453,887
20 $ 341,250,000 $ 24,080,983
21 $ 325,000,000 $ 23,708,079
22 $ 308,750,000 $ 23,335,175
23 $ 292,500,000 $ 22,962,271
24 $ 276,250,000 $ 22,589,367
25 $ 260,000,000 $ 22,216,463
26 $ 243,750,000 $ 21,843,559
27 $ 227,500,000 $ 21,470,655
28 $ 211,250,000 $ 21,097,751
29 $ 195,000,000 $ 20,724,847
30 $ 178,750,000 $ 20,351,943
31 $ 162,500,000 $ 19,979,039
32 $ 146,250,000 $ 19,606,135
33 $ 130,000,000 $ 19,233,231
34 $ 113,750,000 $ 18,860,328
35 $ 97,500,000 $ 18,487,424
36 $ 81,250,000 $ 18,114,520
37 $ 65,000,000 $ 17,741,616
38 $ 48,750,000 $ 17,368,712
39 $ 32,500,000 $ 16,995,808
40 $ 16,250,000 $ 16,622,904
royecto de construcción NO-VIS. El banco con el que la empresa tiene relaciones comerciales
ros Trimestralmente por 10 años.
cuota Trimestral?, ¿cuál es el saldo de la deuda al final del tercer año? y ¿cuánto se paga sólo
cuánto se paga sólo por concepto de intereses durante el préstamo?
OMPARE CUAL ES MAS RENTABLE PARA USTED COMO ACREEDOR DE LA OBLIGACION FINANC
CUOTA
INTERES SALDO F ANTERIOR x TASA INTERES (i)
AMORTIZACIÓN CUOTA TOTAL - INTERES
SALDO FINAL SALDO ANTERIOR - AMORTIZACION CAPI
SUCESIÓN ABONO CUOTA / ABONO
SUCESIÓN INTERES CUOTA / INTERES
4 5 6
PAGO ADICIONAL CUOTA TOTAL AMORTIZACION - ABONO

$ - $ 25,006,726 $ 10,090,569
$ - $ 25,006,726 $ 10,322,127
$ - $ 25,006,726 $ 10,558,998
$ - $ 25,006,726 $ 10,801,305
$ - $ 25,006,726 $ 11,049,173
$ - $ 25,006,726 $ 11,302,729
$ - $ 25,006,726 $ 11,562,103
$ - $ 25,006,726 $ 11,827,429
$ - $ 25,006,726 $ 12,098,844
$ - $ 25,006,726 $ 12,376,488
$ - $ 25,006,726 $ 12,660,503
$ - $ 25,006,726 $ 12,951,035
$ - $ 25,006,726 $ 13,248,234
$ - $ 25,006,726 $ 13,552,254
$ - $ 25,006,726 $ 13,863,250
$ - $ 25,006,726 $ 14,181,383
$ - $ 25,006,726 $ 14,506,817
$ - $ 25,006,726 $ 14,839,718
$ - $ 25,006,726 $ 15,180,259
$ - $ 25,006,726 $ 15,528,615
$ - $ 25,006,726 $ 15,884,964
$ - $ 25,006,726 $ 16,249,491
$ - $ 25,006,726 $ 16,622,384
$ - $ 25,006,726 $ 17,003,833
$ - $ 25,006,726 $ 17,394,036
$ - $ 25,006,726 $ 17,793,193
$ - $ 25,006,726 $ 18,201,510
$ - $ 25,006,726 $ 18,619,197
$ - $ 25,006,726 $ 19,046,469
$ - $ 25,006,726 $ 19,483,547
$ - $ 25,006,726 $ 19,930,654
$ - $ 25,006,726 $ 20,388,021
$ - $ 25,006,726 $ 20,855,884
$ - $ 25,006,726 $ 21,334,483
$ - $ 25,006,726 $ 21,824,066
$ - $ 25,006,726 $ 22,324,883
$ - $ 25,006,726 $ 22,837,193
$ - $ 25,006,726 $ 23,361,259
$ - $ 25,006,726 $ 23,897,352
$ - $ 25,006,726 $ 24,445,747
$ 1,000,269,051 $ 650,000,000
CUOTA TOTAL AMORTIZACION - ABONO
AMORTIZACION $ 16,250,000 TASA EFECTIVA TRIMESTRAL
Nº PERIDOS 40 VALOR PRESTAMO VP
4 5 6
PAGO ADICIONAL CUOTA TOTAL AMORTIZACION - ABONO
$ - $ 31,166,157 $ 16,250,000
$ - $ 30,793,254 $ 16,250,000
$ - $ 30,420,350 $ 16,250,000
$ - $ 30,047,446 $ 16,250,000
$ - $ 29,674,542 $ 16,250,000
$ - $ 29,301,638 $ 16,250,000
$ - $ 28,928,734 $ 16,250,000
$ - $ 28,555,830 $ 16,250,000
$ - $ 28,182,926 $ 16,250,000
$ - $ 27,810,022 $ 16,250,000
$ - $ 27,437,118 $ 16,250,000
$ - $ 27,064,214 $ 16,250,000
$ - $ 26,691,310 $ 16,250,000
$ - $ 26,318,406 $ 16,250,000
$ - $ 25,945,502 $ 16,250,000
$ - $ 25,572,598 $ 16,250,000
$ - $ 25,199,694 $ 16,250,000
$ - $ 24,826,791 $ 16,250,000
$ - $ 24,453,887 $ 16,250,000
$ - $ 24,080,983 $ 16,250,000
$ - $ 23,708,079 $ 16,250,000
$ - $ 23,335,175 $ 16,250,000
$ - $ 22,962,271 $ 16,250,000
$ - $ 22,589,367 $ 16,250,000
$ - $ 22,216,463 $ 16,250,000
$ - $ 21,843,559 $ 16,250,000
$ - $ 21,470,655 $ 16,250,000
$ - $ 21,097,751 $ 16,250,000
$ - $ 20,724,847 $ 16,250,000
$ - $ 20,351,943 $ 16,250,000
$ - $ 19,979,039 $ 16,250,000
$ - $ 19,606,135 $ 16,250,000
$ - $ 19,233,231 $ 16,250,000
$ - $ 18,860,328 $ 16,250,000
$ - $ 18,487,424 $ 16,250,000
$ - $ 18,114,520 $ 16,250,000
$ - $ 17,741,616 $ 16,250,000
$ - $ 17,368,712 $ 16,250,000
$ - $ 16,995,808 $ 16,250,000
$ - $ 16,622,904 $ 16,250,000
$ 955,781,228 $ 650,000,000
CUOTA TOTAL AMORTIZACION - ABONO

ciones comerciales cobra una tasa de interés del 9,50%
uánto se paga sólo por concepto de intereses en la cuota

BLIGACION FINANCIERA
R x TASA INTERES (i)
TERES
AMORTIZACION CAPITAL
7 8
INTERES SALDO FINAL

$ 650,000,000
$ 14,916,157 $ 639,909,431
$ 14,684,600 $ 629,587,305
$ 14,447,728 $ 619,028,307
$ 14,205,421 $ 608,227,001
$ 13,957,553 $ 597,177,829
$ 13,703,998 $ 585,875,100
$ 13,444,623 $ 574,312,997
$ 13,179,297 $ 562,485,568
$ 12,907,882 $ 550,386,724
$ 12,630,239 $ 538,010,236
$ 12,346,224 $ 525,349,733
$ 12,055,691 $ 512,398,698
$ 11,758,492 $ 499,150,464
$ 11,454,472 $ 485,598,210
$ 11,143,476 $ 471,734,959
$ 10,825,343 $ 457,553,576
$ 10,499,910 $ 443,046,759
$ 10,167,008 $ 428,207,041
$ 9,826,467 $ 413,026,782
$ 9,478,112 $ 397,498,167
$ 9,121,762 $ 381,613,203
$ 8,757,235 $ 365,363,711
$ 8,384,343 $ 348,741,328
$ 8,002,893 $ 331,737,495
$ 7,612,690 $ 314,343,459
$ 7,213,533 $ 296,550,265
$ 6,805,216 $ 278,348,755
$ 6,387,529 $ 259,729,558
$ 5,960,257 $ 240,683,089
$ 5,523,180 $ 221,199,542
$ 5,076,073 $ 201,268,888
$ 4,618,705 $ 180,880,867
$ 4,150,842 $ 160,024,983
$ 3,672,243 $ 138,690,500
$ 3,182,661 $ 116,866,434
$ 2,681,843 $ 94,541,551
$ 2,169,533 $ 71,704,358
$ 1,645,467 $ 48,343,099
$ 1,109,374 $ 24,445,747
$ 560,979 $ 0
$ 350,269,051
INTERES
2.29479%
$ 650,000,000
7 8
INTERES SALDO FINAL
$ 650,000,000
$ 14,916,157 $ 633,750,000
$ 14,543,254 $ 617,500,000
$ 14,170,350 $ 601,250,000
$ 13,797,446 $ 585,000,000
$ 13,424,542 $ 568,750,000
$ 13,051,638 $ 552,500,000
$ 12,678,734 $ 536,250,000
$ 12,305,830 $ 520,000,000
$ 11,932,926 $ 503,750,000
$ 11,560,022 $ 487,500,000
$ 11,187,118 $ 471,250,000
$ 10,814,214 $ 455,000,000
$ 10,441,310 $ 438,750,000
$ 10,068,406 $ 422,500,000
$ 9,695,502 $ 406,250,000
$ 9,322,598 $ 390,000,000
$ 8,949,694 $ 373,750,000
$ 8,576,791 $ 357,500,000
$ 8,203,887 $ 341,250,000
$ 7,830,983 $ 325,000,000
$ 7,458,079 $ 308,750,000
$ 7,085,175 $ 292,500,000
$ 6,712,271 $ 276,250,000
$ 6,339,367 $ 260,000,000
$ 5,966,463 $ 243,750,000
$ 5,593,559 $ 227,500,000
$ 5,220,655 $ 211,250,000
$ 4,847,751 $ 195,000,000
$ 4,474,847 $ 178,750,000
$ 4,101,943 $ 162,500,000
$ 3,729,039 $ 146,250,000
$ 3,356,135 $ 130,000,000
$ 2,983,231 $ 113,750,000
$ 2,610,328 $ 97,500,000
$ 2,237,424 $ 81,250,000
$ 1,864,520 $ 65,000,000
$ 1,491,616 $ 48,750,000
$ 1,118,712 $ 32,500,000
$ 745,808 $ 16,250,000
$ 372,904 $ -
$ 305,781,228
INTERES
Seguro
Tarifa
SUCESIÓN MATEMATICA 9
ABONO CAPITAL INTERES SEGURO

CUOTA TOTAL
40.35% 59.65% $ 390,000
41.28% 58.72% $ 390,000
42.22% 57.78% $ 390,000
43.19% 56.81% $ 390,000
44.18% 55.82% $ 390,000
45.20% 54.80% $ 390,000
46.24% 53.76% $ 390,000
47.30% 52.70% $ 390,000
48.38% 51.62% $ 390,000
49.49% 50.51% $ 390,000
50.63% 49.37% $ 390,000
51.79% 48.21% $ 390,000
52.98% 47.02% $ 390,000
54.19% 45.81% $ 390,000
55.44% 44.56% $ 390,000
56.71% 43.29% $ 390,000
58.01% 41.99% $ 390,000
59.34% 40.66% $ 390,000
60.70% 39.30% $ 390,000
62.10% 37.90% $ 390,000

63.52% 36.48% $ 390,000
64.98% 35.02% $ 390,000
66.47% 33.53% $ 390,000
68.00% 32.00% $ 390,000
69.56% 30.44% $ 390,000
71.15% 28.85% $ 390,000
72.79% 27.21% $ 390,000
74.46% 25.54% $ 390,000
76.17% 23.83% $ 390,000
77.91% 22.09% $ 390,000
79.70% 20.30% $ 390,000
81.53% 18.47% $ 390,000
83.40% 16.60% $ 390,000
85.31% 14.69% $ 390,000
87.27% 12.73% $ 390,000
89.28% 10.72% $ 390,000
91.32% 8.68% $ 390,000
93.42% 6.58% $ 390,000
95.56% 4.44% $ 390,000
97.76% 2.24% $ 390,000

SUCESIÓN MATEMATICA 9
ABONO CAPITAL INTERES SEGURO
CUOTA TOTAL
52.14% 47.86% $ 390,000
52.77% 47.23% $ 390,000
53.42% 46.58% $ 390,000
54.08% 45.92% $ 390,000
54.76% 45.24% $ 390,000
55.46% 44.54% $ 390,000
56.17% 43.83% $ 390,000
56.91% 43.09% $ 390,000
57.66% 42.34% $ 390,000
58.43% 41.57% $ 390,000

59.23% 40.77% $ 390,000
60.04% 39.96% $ 390,000
60.88% 39.12% $ 390,000
61.74% 38.26% $ 390,000
62.63% 37.37% $ 390,000
63.54% 36.46% $ 390,000
64.48% 35.52% $ 390,000
65.45% 34.55% $ 390,000
66.45% 33.55% $ 390,000
67.48% 32.52% $ 390,000
68.54% 31.46% $ 390,000
69.64% 30.36% $ 390,000
70.77% 29.23% $ 390,000
71.94% 28.06% $ 390,000
73.14% 26.86% $ 390,000
74.39% 25.61% $ 390,000
75.68% 24.32% $ 390,000
77.02% 22.98% $ 390,000
78.41% 21.59% $ 390,000
79.84% 20.16% $ 390,000
81.34% 18.66% $ 390,000

82.88% 17.12% $ 390,000
84.49% 15.51% $ 390,000
86.16% 13.84% $ 390,000
87.90% 12.10% $ 390,000
89.71% 10.29% $ 390,000
91.59% 8.41% $ 390,000
93.56% 6.44% $ 390,000
95.61% 4.39% $ 390,000
97.76% 2.24% $ 390,000

0.06%
10
TOTAL CUOTA
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
$ 25,396,726
10
TOTAL CUOTA
$ 31,556,157
$ 31,183,254
$ 30,810,350
$ 30,437,446
$ 30,064,542
$ 29,691,638
$ 29,318,734
$ 28,945,830
$ 28,572,926
$ 28,200,022
$ 27,827,118
$ 27,454,214
$ 27,081,310
$ 26,708,406
$ 26,335,502
$ 25,962,598
$ 25,589,694
$ 25,216,791
$ 24,843,887
$ 24,470,983
$ 24,098,079
$ 23,725,175
$ 23,352,271
$ 22,979,367
$ 22,606,463
$ 22,233,559
$ 21,860,655
$ 21,487,751
$ 21,114,847
$ 20,741,943
$ 20,369,039
$ 19,996,135
$ 19,623,231
$ 19,250,328
$ 18,877,424
$ 18,504,520
$ 18,131,616
$ 17,758,712
$ 17,385,808
$ 17,012,904
Paola solicita un préstamo de 100.000.000 unidades monetarias para maquinaria. El banco c
mensuales por 4 años. SE PACTA LEASING OPERACIONAL - OPCION DE COMPRA 12
PARAMETROS
NUEVO VALOR PRESENTE PR $ 91,803,839

Nº PERIDOS 4
Nº PERIDOS 48

OPCION DE COMPRA 12%
AMORTIZACION LEASING OPERACIONAL
-$ 20,749,208 0
1 1
48 2
$ 12,000,000 5
10
11
12
13
14
15
16
17
18
$ - 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
48
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
s monetarias para maquinaria. El banco con el que la empresa tiene relaciones comerciales cobra una tasa
ACIONAL - OPCION DE COMPRA 12% Con base en la información dada, calcule los pagos mensuale
préstamo
ANUAL TASA FIJA
MENSUAL
AÑOS
MESES
$ 12,000,000
2 3 4
$ 100,000,000 $ 2,309,425 $ -
$ 98,487,989 $ 2,309,425 $ -
$ 96,963,921 $ 2,309,425 $ -
$ 95,427,700 $ 2,309,425 $ -
$ 93,879,228 $ 2,309,425 $ -
$ 92,318,409 $ 2,309,425 $ -
$ 90,745,144 $ 2,309,425 $ -
$ 89,159,333 $ 2,309,425 $ -
$ 87,560,877 $ 2,309,425 $ -
$ 85,949,675 $ 2,309,425 $ -
$ 84,325,625 $ 2,309,425 $ -
$ 82,688,624 $ 2,309,425 $ -
$ 81,038,569 $ 2,309,425 $ -
$ 79,375,357 $ 2,309,425 $ -
$ 77,698,882 $ 2,309,425 $ -
$ 76,009,039 $ 2,309,425 $ -
$ 74,305,720 $ 2,309,425 $ -
$ 72,588,819 $ 2,309,425 $ -
$ 70,858,228 $ 2,309,425 $ -
$ 69,113,836 $ 2,309,425 $ -
$ 67,355,534 $ 2,309,425 $ -
$ 65,583,212 $ 2,309,425 $ -
$ 63,796,756 $ 2,309,425 $ -
$ 61,996,055 $ 2,309,425 $ -
$ 60,180,995 $ 2,309,425 $ -
$ 58,351,462 $ 2,309,425 $ -
$ 56,507,340 $ 2,309,425 $ -
$ 54,648,512 $ 2,309,425 $ -
$ 52,774,862 $ 2,309,425 $ -
$ 50,886,271 $ 2,309,425 $ -
$ 48,982,620 $ 2,309,425 $ -
$ 47,063,789 $ 2,309,425 $ -
$ 45,129,657 $ 2,309,425 $ -
$ 43,180,102 $ 2,309,425 $ -
$ 41,215,001 $ 2,309,425 $ -
$ 39,234,230 $ 2,309,425 $ -
$ 37,237,664 $ 2,309,425 $ -
$ 35,225,178 $ 2,309,425 $ -
$ 33,196,643 $ 2,309,425 $ -
$ 31,151,932 $ 2,309,425 $ -
$ 29,090,917 $ 2,309,425 $ -
$ 27,013,467 $ 2,309,425 $ -
$ 24,919,451 $ 2,309,425 $ -
$ 22,808,737 $ 2,309,425 $ -
$ 20,681,192 $ 2,309,425 $ -
$ 18,536,682 $ 2,309,425 $ -
$ 16,375,071 $ 2,309,425 $ -
$ 14,196,222 $ 2,309,425 $ 12,000,000

ciales cobra una tasa de interés del 10,00% EA y exige pagos
le los pagos mensuales y haga la tabla de amortazación para su
CUOTA
PERIODO CUOTA EXTRA VALOR PRESENTE
48 $ 12,000,000 -$ 8,196,161
VF
5 6 7
$ 2,309,425 $ 1,512,011 $ 797,414

$ 2,309,425 $ 1,524,068 $ 785,357
$ 2,309,425 $ 1,536,221 $ 773,204
$ 2,309,425 $ 1,548,471 $ 760,954
$ 2,309,425 $ 1,560,819 $ 748,606
$ 2,309,425 $ 1,573,265 $ 736,160
$ 2,309,425 $ 1,585,811 $ 723,615
$ 2,309,425 $ 1,598,456 $ 710,969
$ 2,309,425 $ 1,611,202 $ 698,223
$ 2,309,425 $ 1,624,050 $ 685,375
$ 2,309,425 $ 1,637,001 $ 672,424
$ 2,309,425 $ 1,650,054 $ 659,371
$ 2,309,425 $ 1,663,212 $ 646,213
$ 2,309,425 $ 1,676,475 $ 632,950
$ 2,309,425 $ 1,689,843 $ 619,582
$ 2,309,425 $ 1,703,318 $ 606,107
$ 2,309,425 $ 1,716,901 $ 592,524
$ 2,309,425 $ 1,730,592 $ 578,833
$ 2,309,425 $ 1,744,392 $ 565,033
$ 2,309,425 $ 1,758,302 $ 551,123
$ 2,309,425 $ 1,772,323 $ 537,102
$ 2,309,425 $ 1,786,455 $ 522,970

$ 2,309,425 $ 1,800,701 $ 508,724
$ 2,309,425 $ 1,815,060 $ 494,365
$ 2,309,425 $ 1,829,533 $ 479,892
$ 2,309,425 $ 1,844,122 $ 465,303
$ 2,309,425 $ 1,858,828 $ 450,597
$ 2,309,425 $ 1,873,650 $ 435,775
$ 2,309,425 $ 1,888,591 $ 420,834
$ 2,309,425 $ 1,903,651 $ 405,774
$ 2,309,425 $ 1,918,831 $ 390,594
$ 2,309,425 $ 1,934,132 $ 375,293
$ 2,309,425 $ 1,949,555 $ 359,870
$ 2,309,425 $ 1,965,101 $ 344,324
$ 2,309,425 $ 1,980,771 $ 328,654
$ 2,309,425 $ 1,996,566 $ 312,859
$ 2,309,425 $ 2,012,487 $ 296,938
$ 2,309,425 $ 2,028,535 $ 280,891
$ 2,309,425 $ 2,044,710 $ 264,715
$ 2,309,425 $ 2,061,015 $ 248,410
$ 2,309,425 $ 2,077,450 $ 231,975
$ 2,309,425 $ 2,094,016 $ 215,409
$ 2,309,425 $ 2,110,714 $ 198,711

$ 2,309,425 $ 2,127,545 $ 181,880
$ 2,309,425 $ 2,144,510 $ 164,915
$ 2,309,425 $ 2,161,611 $ 147,814
$ 2,309,425 $ 2,178,848 $ 130,577
$ 14,309,425 $ 14,196,222 $ 113,203
$ 122,852,408 $ 100,000,000 $ 22,852,408

INTERES
AMORTIZACIÓN
SALDO FINAL
SUCESIÓN ABONO
SUCESIÓN INTERES
$98,487,989 65.47%
$96,963,921 65.99%
$95,427,700 66.52%
$93,879,228 67.05%
$92,318,409 67.58%
$90,745,144 68.12%
$89,159,333 68.67%
$87,560,877 69.21%
$85,949,675 69.77%
$84,325,625 70.32%
$82,688,624 70.88%
$81,038,569 71.45%
$79,375,357 72.02%
$77,698,882 72.59%
$76,009,039 73.17%
$74,305,720 73.76%
$72,588,819 74.34%
$70,858,228 74.94%
$69,113,836 75.53%
$67,355,534 76.14%
$65,583,212 76.74%
$63,796,756 77.35%
$61,996,055 77.97%
$60,180,995 78.59%
$58,351,462 79.22%
$56,507,340 79.85%
$54,648,512 80.49%
$52,774,862 81.13%
$50,886,271 81.78%
$48,982,620 82.43%
$47,063,789 83.09%
$45,129,657 83.75%
$43,180,102 84.42%
$41,215,001 85.09%
$39,234,230 85.77%
$37,237,664 86.45%
$35,225,178 87.14%
$33,196,643 87.84%
$31,151,932 88.54%
$29,090,917 89.24%
$27,013,467 89.96%
$24,919,451 90.67%
$22,808,737 91.40%
$20,681,192 92.12%
$18,536,682 92.86%
$16,375,071 93.60%
$14,196,222 94.35%
$0 CERO POLLITO 99.21%

CUOTA / ABONO
CUOTA / INTERES
Seguro
Tarifa 0.06%
CUOTA TOTAL
34.53% $ 60,000 $ 2,369,425

34.01% $ 60,000 $ 2,369,425
33.48% $ 60,000 $ 2,369,425
32.95% $ 60,000 $ 2,369,425
32.42% $ 60,000 $ 2,369,425
31.88% $ 60,000 $ 2,369,425
31.33% $ 60,000 $ 2,369,425
30.79% $ 60,000 $ 2,369,425
30.23% $ 60,000 $ 2,369,425
29.68% $ 60,000 $ 2,369,425
29.12% $ 60,000 $ 2,369,425
28.55% $ 60,000 $ 2,369,425
27.98% $ 60,000 $ 2,369,425
27.41% $ 60,000 $ 2,369,425
26.83% $ 60,000 $ 2,369,425
26.24% $ 60,000 $ 2,369,425
25.66% $ 60,000 $ 2,369,425
25.06% $ 60,000 $ 2,369,425
24.47% $ 60,000 $ 2,369,425
23.86% $ 60,000 $ 2,369,425
23.26% $ 60,000 $ 2,369,425
22.65% $ 60,000 $ 2,369,425

22.03% $ 60,000 $ 2,369,425
21.41% $ 60,000 $ 2,369,425
20.78% $ 60,000 $ 2,369,425
20.15% $ 60,000 $ 2,369,425
19.51% $ 60,000 $ 2,369,425
18.87% $ 60,000 $ 2,369,425
18.22% $ 60,000 $ 2,369,425
17.57% $ 60,000 $ 2,369,425
16.91% $ 60,000 $ 2,369,425
16.25% $ 60,000 $ 2,369,425
15.58% $ 60,000 $ 2,369,425
14.91% $ 60,000 $ 2,369,425
14.23% $ 60,000 $ 2,369,425
13.55% $ 60,000 $ 2,369,425
12.86% $ 60,000 $ 2,369,425
12.16% $ 60,000 $ 2,369,425
11.46% $ 60,000 $ 2,369,425
10.76% $ 60,000 $ 2,369,425
10.04% $ 60,000 $ 2,369,425
9.33% $ 60,000 $ 2,369,425
8.60% $ 60,000 $ 2,369,425

7.88% $ 60,000 $ 2,369,425
7.14% $ 60,000 $ 2,369,425
6.40% $ 60,000 $ 2,369,425
5.65% $ 60,000 $ 2,369,425
0.79% $ 60,000 $ 14,369,425

PAGO ENTRE PERIODOS
-$ 33,115,650
18
$1,966,581.50

B.respuesta - Examen Amortización

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ECONOMIA FINANZAS ING.

1 1091479 Arias Diaz Eduardo

4 1112368 Bonilla Agelvis Nixon Ivanilovich

5 1112750 Eusse Socha Jhon Steven

6 1112914 Mora Chinchilla Marian Juliana

7 1112922 Gonzalez Gomez Jose Luis

8 1112932 Pinzon Vidarte Yuryan Yolima

9 1112984 Acosta Rodriguez Juan Camilo

10 1113013 Mise Peña Victor Manuel

11 1113016 Arias Delgado Jesus Armando

12 1113018 Quintero Bermon Erick Armando

13 1113038 Colmenares Martinez Edgar Michell

14 1113063 Barrios García Christian Armando

15 1113087 Rojas Urbina Jose Duvan

16 1113099 Franco Jacome Jorge Steven

17 1113105 Pachon Daza Brayan David

18 1113187 Ferrer Ardila Johan Andres

19 1113189 Galvis Contreras Jessica Michelle

20 1113211 Perez Niño Angie Lorena

21 1113220 Celis Manjarres Didier Alexis

22 1113224 Alvarez Ropero Yessica Alejandra

23 1113234 Lara Lozada Marcos Sebastian

24 1113235 Martinez Niño Sharoon Mariel

26 1113296 Castellanos Caceres Yecid Humberto

27 1113297 Lopez Garcia Wbeimar Camilo

28 1113301 Perez Arevalo Rosa Angelica

29 1113302 Rangel Ortega Elian Jose

30 1113317 Cardenas Galvis Anyela Deyalin Juliana

31 1113322 Pallares Pallares Miguel Octavio

32 1113340 Hernandez Abad Brayan Ferney

33 1113358 Lemus Albarracin Andrea Alexandra

34 1113362 Urbina Ortiz Daniel Alejandro

35 1113363 Caicedo Tejada Tiany Roxana

36 1113370 Duque Camacho Dairon Andrey

37 1113379 Ortiz Maldonado Neira Johana

38 1113401 Rojas Ramirez Diego Alejandro

39 1113447 Contreras Gomez Sally Carolina

40 1113846 Barbosa Leal Nelson Adrian

41 1121208 Garcia Castillo Maria Guadalupe

42 1121236 Espinel Diaz Brayan Ernesto

43 1121485 Reyes Cardenas Jonathan Julian

45 1151484 Melo Calvo Edinsson Adrian

46 1151770 Ortiz Armesto Natalia

2 1110796 Morelli Buendia Diego Alberto

3 1112094 Ramirez Yañez Marco Antonio

Ejercicios Respuestas Adicional NOTA

2.20 2.20 0.0 2.20

4.00 4.00 0.0 4.00

0.00 0.00 0.0 0.00

0.0 1091479 0.00

2.2 1112368 0.30

4.0 1151484 1.00

0.0 1110796 0.00

0.00 0.00 0.00 0.00 0.00

0.20 0.40 0.50 0.80 2.20

0.80 1.00 1.00 1.00 4.10

1.00 1.00 1.00 1.00 5.00 FELICITACIONES

0.30 1.00 1.00 0.70 3.00 0.40 ENTREGARON FUERA DE TIE

1.00 1.00 1.00 0.00 4.00

0.30 1.00 1.00 0.70 4.00

0.00 0.00 0.00 0.00 0.00

ENTREGARON FUERA DE TIEMPO (-0,4)