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PDF Calculo Pagos Unicos Interpolacion Gradientes Amortizacion y Depreciaci DL
PDF Calculo Pagos Unicos Interpolacion Gradientes Amortizacion y Depreciaci DL
(^/I,2?%,55)
b) Gmtlrpacbegam
@btas6
y8 ^/I x> 8 5: y> 8 >.>><
g8 2?% x8 55 y8 >.>>05
m8 55 x2 8 50 y2 8 >.>>59
y8 >.>>05
j) Iarhucb bprapgb`b
(^
(^/I
/I,2
,2?%
?%,5
,55)
5) 8 (2
(2+g
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)]-m
-m
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(I/B,27%,:>)
b) Gmtlrpacbegam
@btas6
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g8 27% x8 27% y8 299.9<?
m8 :> x2 8 :>% y2 8 2?9.9??
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/B,2
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7%,:
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>) 8 (((2
(((2+g
+g)]
)]m)
m)-2)
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b) Gmtlrpacbegam
@btas6
y8 ^/B x> 8 :<% x> 8 5.?<75
g8 :9% x8 :9% y8 5.;02>?
m8 2< x2 8 5>% x2 8 5.:9?:
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<) 8 (((2+
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g)]m)-
m)-2)/
2)/(g(
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m))
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(B/^,25%,2<)
b) Gmtlrpacbegam
@btas6
y8 B/^ x> 8 2:% y> 8 >.209?:
g8 25% x8 25% y8 >.2<0?2<
m8 2< x2 8 20% y2 8 >.29:?2
y8 >.2<0?2<
j) Iarhucb bprapgb`b
(B/^,2
(B/^,25%,
5%,2<)
2<) 8 (g*((
(g*((2+g
2+g)]
)]m))
m))/((
/(((2+
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m)-2)
2)
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<) 8 >.
>.2<
2<0;
0;02
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;;79
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b) Gmtlrpacbegam
@btas6
y8 I/^ x> 8 9> y> 8 :<7<.7:
g8 20% x8 9: y8 5<<9.?0
m8 9: x2 8 9< y2 8 077?.::
y8 5<<9.?0
j) Iarhucb bprapgb`b
(I
(I/^
/^,2
,20%
0%,9
,9:)
:) 8 (2
(2+g
+g)]
)]m
m
(I
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:) 8 55;5
55;5.9
.9<<
<<?7
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57
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b) Gmtlrpacbegam
@btas6
y8 >.>2;??
j) Iarhucb bprapgb`b
(B
(B/I
/I,2
,2%0
%0<)
<) 8 g/(((
/(((2+
2+gg)]m)-
]m)-2)
2)
(B/I,2%0<) 8 >.>2;;2
@ltlrhgmbegam `l I, ^ y B
:. Cb lhprlsb ibjrgebmtl `l ebrras Zlmbuct rhõ um eamtrbta `l $;< hgccamls eam BJJ `l
Vurgeo, Uugzb, pbrb butahbzbr cbs cèmlbs `l hamtbfl `lc eobsgs, cas tbcclrls `l
lmsbhjcb`a `l cb ebrraelrèb y cas sgstlhbs `l eamtrac `l cèmlb. Ug BJJ rlegjgrâ lc pbka
`lmtra `l `as bòas (eubm`a cas sgstlhbs qul`lm cgstas), ±euâc ls lc vbcar betubc `lc
eamtrbta eam um gmtlrçs `l 2?% bmubc1
@btas6
I8 Z@$;<,>>>,>>>.>>
g8 2?%
m8 :
(^/I)
^8 I*(2+g)]-m
^8 Z@$<5,?95,?5:.:5
5. Lc easta betubc `lc slkura par b`lu`as pbrb eglrtb lhprlsb `l eamsuctarèb ls `l $9< >>>.
Ug sl lsplrb qul lc easta `lc slkura sl gmerlhlmtl 0% eb`b bòa, ±euâc slrâ lc easta `lmtra
`l egmea bòas1
@btas6
^8 Z@$9<,>>>.>>
g8 0%
m8 <
(I/^)
I8 ^*(2+g)]m
I8 Z@$;7,>?:.00
@btas6
B8 Z@$;<,>>>.>>
g8 :>%
m8 5
(^/B)
^8 B*(((2+g)]m)-2)/(g((2+g)]m))
^8 Z@$2<;,7?9.22
qul eulstb $5 0>> >>> pbrb eahlregbcgzbr lc praelsa. Ug cb lhprlsb lsplrb tlmlr umb tbsb
`l rlm`ghglmta `l :>% bmubc y rleuplrbr su gmvlrsgõm lm aeoa bòas, ±euâc `ljl slr
s lr lc
@btas6
^8 Z@$5,0>>,>>>.>>
g8 :>%
m8 ?
(B/^)
B8 ^*(g*((2+g)]m))/(((2+g)]m)-2)
B8 Z@$??9,>;:.>0
@lprlegbegam y Bharzbegõm
@lprlegbegõm lm cgjras6 Cb usb umb lhprlsb a mlkaega lm su eamtbjgcg`b` i mbmeglrb gmtlrmb pbrb
`br slkughglmta bc vbcar `l um beva a prapgl`b` b ca cbrka `l su vg`b.
@lprlegbegõm ghpasgvb6 Cb ucgzb umb earparbegõm a mlkaega pbrb `ltlrhgmbr cas ghpulstas par
pbkbr eam jbsl lm cbs clyls i sebcls lhg`bs par cb lm`b` kujlrmbhlmtbc (pbès, lstb`a, pravgmegb,
lteçtlrb).
Ls parqul lc UHBZE ob lstbjcleg`a m vbcarls pbrb cb `lprlegbegõm par ecbsl `l prapgl`b`. Lstas sam
eahumhlmtl `glrlmtls y klmlrbchlml hbs eartas qul cb vg`b öc rlbc y bmegpb`b `l um beva.
Hlta`a cgmlbc
Lstl hçta`a eaha su prapga mahjrl ca gm`geb cbs euatbs `l bharzbegamls sam eamstbmtls.
B eb`b lflregega leamõhgea
le amõhgea sl cl bsgkmb cb lmlsghb pbrtl `lc vbcar `l bharzbegõm,
tbhjglm sl eamael eaha euatbs ifbs.
Iarhucb 8 (J-U)/m
Iarhucb 8 2 - (U/@t)](2/m)
Iarhucb 8 (J-U)*(@t/t)
@btas6
^rlega 8 $5<>,>>>.>>
Eastas
b`gegambcls 8 $0>,>>>.>>
Easta gmgegbc (J)
8 $57>,>>>.>>
Ubcvbhlmta (U)
8 $5<,>>>.>>
Beva 8 $5<<,>>>.>>
m8 ;
@lprlegbegam
Bòas @lprlegbsgam beuhucb`b
2 $<>,;20.:7 $<>,;20.:7
: $<>,;20.:7 $2>2,0:?.<;
5 $<>,;20.:7 $2<:,20:.?9
0 $<>,;20.:7 $:>:,?<;.20
< $<>,;20.:7 $:<5,<;2.05
9 $<>,;20.:7 $5>0,:?<.;2
; $<>,;20.:7 $5<<,>>>.>>
2>. \m lqugpa pbrb rlbcgzbr pruljbs eam vbcar `l $2>> >>> iul gmstbcb`a y `lprlegb`a `urbmtl
< bòas. Eb`b bòa, lc vbcar lm cgjras bc mbc `l bòa sl rl`ufa b umb tbsb `l 2>% `lc vbcar
lm cgjras bc prgmegpga `lc bòa. Lc sgstlhb sl vlm`gõ par $:0 >>> bc mbc `l cas < bòas.
b. Ebceucl lc hamta `l cb `lprlegbegõm bmubc.
j) ±Euâc ls cb tbsb `l `lprlegbegõm rlbc pbrb eb`b bòa1
e) Lm lc hahlmta `l cb vlmtb, ±euâc ls cb `gilrlmegb lmtrl lc vbcar lm cgjras y lc
vbcar `l hlreb`a1
`) Zlprlslmtl krâebhlmtl lc vbcar lm cgjras pbrb eb`b uma `l cas < bòas.
@btas6
J8 $2>>,>>>.>>
U8 $:0,>>>.>>
m8 <
@t 8 (J-U)/m
@t 8 $2<,:>>.>>
`8 2/m
`8 >.:
`)Zlprlslmtl krbiebhlmtl lc vbcar lm cgjras pbrb eb`b uma `l cas < bòas.
YCt 8 J - (t)*(@t)
Ybcar lm cgjras
7>>>>
?>>>>
;>>>>
9>>>>
<>>>>
$?0,?>>.>>
0>>>> $97,9>>.>>
5>>>> $<0,0>>.>>
$57,:>>.>>
:>>>>
$:0,>>>.>>
2>>>>
2 : 5 0 <
>
22. Oahl Olbcto Ebrl, Gme. (OOEG) b`qugrgõ umb umg`b` mulvb `l ghâklmls par sambr lm
$5>> >>> y cb hamtõ sajrl um ebhgõm par $2>> >>> b`gegambcls, qul gmecuylm lc eobsgs
`lc vloèeuca. Lc sgstlhb iarhb`a par cb umg`b` y lc ebhgõm vbm b `lprlegbrsl eaha um
saca beva. Cb vg`b iumegambc ls `l ? bòas y lc vbcar `l rlsebtl sl lshb lm 2>% `lc
prlega `l eahprb `l cb umg`b` `l ghâklmls. Obkb b hbma cas eâceucas `l cb `lprlegbegõm
ecâsgeb lm cèmlb rletb pbrb `ltlrhgmbr lc vbcar `l rlsebtl, cb `lprlegbegõm bmubc y lc vbcar
lm cgjras `lspuçs `l 0 bòas.
2:. Eglrta lqugpa pbrb hbmlfbr bgrl eulstb $2: >>> y lml umb vg`b `l ? bòas eam vbcar `l
rlsebtl `l $: >>>. b) Ebceucl lc hamta `l cb `lprlegbegõm lm cèmlb rletb pbrb eb`b bòa. j)
@btas6
J8 $2:,>>>.>>
U8 $:,>>>.>>
m8 ?
b) Hamta `l cb `lprlegbegam
@t 8 (J-U)/m
@t 8 $2,:<>.>>
YCt 8 J - (t)*(@t)
YC58 $?,:<>.>>
e)Pbzb `l `lprlegbegam
`8 2/m
`8 2:.<%
25. Klmlrbc Iaa` Utarls eahprbrâ lqugpa mulva pbrb cllr eõ`gkas `l 79 jgts qul
rllhpcbzbrâm cas bmkuas eõ`gkas `l jbrrbs. Eaha pruljb, gmgegbchlmtl sl b`qugrgrâm
2,>>> lqugpas. Yb b usbrsl lc hçta`a U@@ pbrb `lprlegbr cb ebm`b` tatbc `l $<> >>>
`urbmtl um plrga`a `l rleuplrbegõm `l 5 bòas. Ebceucl y krbqul cbs eurvbs `l
`lprlegbegõm beuhucb`b y vbcar lm cgjras.
20. \m beva lml easta gmgegbc `l $2: >>>, um plrga`a `l rleuplrbegõm `l ? bòas y um vbcar
`l rlsebtl lshb`a `l $: >>>. b) Ebceucl cb `lprlegbegõm par cas hçta`as tbmta `l CZ
eaha `l U@@. Krbqul lc vbcar `l cb `lprlegbegõm CZ y U@@ j) Ebceucl cb tbsb bmubc
@btas6
J8 $2:,>>>.>>
U8 $:,>>>.>>
m8 ?
@t 8 (J-U)/m `8 :/m
@t 8 $2,:<>.>> `8 :<%
2 :>>%
: 2>>%
5 9;%
0 <>%
< 0>%
9 55%
; :7%
? :<%
@btas6
E8 $?,>>>,>>>.>>
m8 2<
B8 E/m
B8 $:99,999.9;
: bòas 8 0 slhlstrls
E8 B*(m-U)
E8 $9,755,555.55
9.<% 8 >.>9<
>.>9</5> 8 >.>>:2999999999;
b8 (E*>.>>:29999;)+B
b8 $:?2,9??.?7
g5> 8 B*>.>>:29999;
g5> 8 $<;;.;?
l) @lu`b lxmkug`b.
g8 (((2+g:)]:-2)
g8 >.05%
29. EAHAUA Eahpbmy eahprõ umb umg`b` pbrb ebcgebr hgmlrbcls âurlas eamtracb`b par
eahputb`arb par $7> >>>. Cb umg`b` lml umb vg`b bmegpb`b `l 2> bòas y um vbcar `l
sbcvbhlmta `l $5<>>>. \cgel cas hçta`as U@ pbrb eahpbrbr lc prakrbhb `l
`lprlegbegõm y lc vbcar lm cgjras pbrb eb`b bòa.
@btas6
J8 $7>,>>>.>>
U8 $5<,>>>.>>
m8 2>
@t 8 $<,<>>.>>
YCt 8 J-(t)*(@t)
2;. Ebceucl cas eastas `l `lprlegbegõm pbrb cas trls prghlra bòas y vbcar lm cgjras pbrb lc bòa
muhlra 5 pbrb um beva qul tuva um easta gmgegbc `l Z@$ :<,>>>.>>,um vbcar `l
sbcvbhlmta `l Z@$ 0,>>>.>> y umb vg`b öc `l ? bòas.
@btas6
J8 $:<,>>>.>>
U8 $0,>>>.>>
m8 ?
Bòas @lprlegbegam
2 $:,9:<.>>
: $:,9:<.>>
5 $:,9:<.>>
YC5 8 J-(5)*(@5)
YC5 8 $2;,2:<.>>
2?. Cb Eamstruetarb EHU `lslb b`qugrgr umb lxebvb`arb vbcarb`b lm Z@$ <<>,>>>.>> eam
um vbcar `l sbcvbhlmta `l um 2>% `lc easta `l cb eahprb. Ul tlm`râ qul bsuhgr cas `l
eastas `l Z@$2<,>>>.>> `l trbmspartl y um easta `l Z@$ 5<,>>>.>> `l gmstbcbegõm. Ug lc
beva lml umb vg`b öc `l 2> bòas. @ltlrhgml cb @lprlegbegõm `l lstl beva par lc
hçta`a `l Cèmlb Zletb. Ibvar tbjucbr.
@btas6
Eahprb 8 $<<>,>>>.>>
B`gegambcls 8 $<>,>>>.>>
J8 $9>>,>>>.>>
U8 $<<,>>>.>>
Beva 8 $<0<,>>>.>>
m8 2>