Resolución de Ejercicios

102) C(0) + C(0) * 0,20 = 42.000 ==> C(0) * 1,20< = 42.000 ==> a) C(0) = 35.000 ==>
b) i (0, 45) = 0,20 ==> (1 +i (0, 30)) = (1,20)(30/45) ==> c) i (0, 30) = 0,129243

104) 7.500 * (1 + i) = 10.500 ==> J (365/60) = 0,09 ==> 10.500 = (1,0148)^n ==> n = 22,9108
7.500

105) J (365/30) = 0,06 ==> i (365/30) = 0,0049315 ==> i (365/31) = 0,0050963

I (1/7,31/7) = 3.000 * 0,0050963 30 = 14,80 ¦¦¦ I (31/7,28/8) = 3.014,80 * 0,0050963 28 = 13,88

31 31

I (28/8,31/8) = 4.514,80 * 0,0050963 3 = 2,23 ¦¦¦ I (31/8,5/9) = 4.530,91 * 0,0049315 5 = 3,72

31 30

I (5/9,14/9) = 6.730,91 * 0,0049315 9 = 9,96 ¦¦¦ I (14/9,30/9) = 5.830,91 * 0,0049315 16 = 15,34

31 30
C(30/9) = 5.859,93
C (1 + 0,0050963 30 ) (1,0050963) (1,0049315) + 1.500 (1 + 0,0050963 3 ) (1,0049315) + ==>
31 31

==> + 2.200 (1 + 0,0049315 25 ) - 900 (1 + 0,0049315 16 ) = 5.000

30 30
C = 2.152,73

106) C(0) * [(1,06)11 -1] = [(C(0) * (1,06)11 - 100.000) (1,06)4 - 100.000] * (1,06)5 - 100.000 opción 1

C(0) * [(1,06)11 -1] = C(0) * (1,06)20 - 100.000 * (1,06)9 - 100.000 * (1,06)5 - 100.000 opción 2

C(0) = 174.447,31

107) 1.992,33 = 1.500 (0,45 * 120 ) + 1.500 * q (0,535 * 120 ) + 1.500 * q2 (0,63 * 120 )
365 365 365

Q=2

108) 3.327,78 = (8.400 - 2R) (0,45 * 120 ) + (8.400 * - R) (0,535 * 120 ) + 8.400 (0,63 * 120 )
365 365 365

R = 2.400.-

109) 1) a) 1,6737 * 7 = 0,0321 * i * (365) ==> (1 + 0,0321)^(15/7) -1 = 0,07005

365 7
Impuesto: 0,07005 * 0,047 = (0,00329)
________
i(365/15) = 0,06676

b) Compra: 21,50 (1,0026 ) = 21,5559

==> i(365/7) = 0,0378 ==> i(365/15) = 0,0827567
Venta: 22,45 (1- 0,00353) = 22,3707515

2) i(365/15) = 0,08277567 ==> J(365/15) = 201,3746%

110) J(365/90) = 0,89 ==> i (90) = 0,21942

a) C(0) * (1 + i ) = C(n) ==> 1.000.000 * 1,21942 = C(n) ==> C(n) = 1.219.452

1.219.452 * ( 1-d ) = 950.000 ==> d(90) = 0,220961

F (365 ) = 365 * 0,220961 ==> F (365 ) = 0,896119

90 90 90

b) C(n) = 1.000.000 * (1 – 0,220961)(-1) ==> C(n) = 1.283.632,78

1.000.000 * (1 - d) = C(n) ==> C(n) = 1.283.632,78

1.000.000 * (1 + i(90)) = 1.283.632,78 ==> i(90) = 0,28363278

_____________________________________________________________________________________

111) C(0) (1,05)15 = C(0) (1 + 0,05 * 15) + 10.000 ==> ...

... ==> C(0) (1,05)15 - C(0) (1,75) = 10.000 ==> C(0) = 30.401,77

112) C(10) - C(4) = I(4,10) ==> 403.320 - 391.680 = 11.640 ==> I (0,1) = 11.640 % 6 = 1.940

C(4) - C(0) = I(0,4) ==> 391.680 - (1.940 * 4) = C(0) ==> C(0) = 383.920

i = 1.940 => i = 0,005053

383.920

113) a) d 365 = 0,60 * 90 ==> d 365 = 0,147943205 ==> i 365 = 0,147943205 _

90 365 90 90 1 - 0,147943205

C(0)1 = 5.000 * (1 – 0,147943205)(60/90) ==> C(0)1 = 4.493,81 i 365 = 0,173633439

90
C(0)2 = 4.000 * (1 – 0,147943205) ==> C(0)2= 3.408,22

C(0)total = 4.493,81 + 3.408,22 ==> C(0)total = 7.902,03

C(n) = 7.902,03 * (1 – 0,147943205)-(75/90) ==> C(n) = 9.029,89

b) 9.000 = 7.902,03 * (1 + 0,173633439) n ==> n = 0,812623194 ==> n = 73,14 días

c) C(0)1 = 5.000 * 1 – 0,60 * 60 ==> C(0)1 = 4.506,85

365

C(0)2 = 4.000 * 1 – 0,60 * 90 ==> C(0)2 = 3.408,22

365

C(0)total = 4.506,85 + 3.408,22 ==> C(0)total = 7.915,07

C(n) = 7.915,07 * 1 – 0,60 * 75 -(1)

==> C(n) = 9.028,13
365

9.000 = 7.915,07 * 1 – 0,60 * n -(1)

==> n = 73,33 días
365

_____________________________________________________________________________________
114)

_____________________________________________________________________________________

115) a) J(365/30) = 0,035 ==> i(30) = 0,035 * 30/365 ==> i(30) = 0,0028767 ==>

i(45) = (1,0028767) ^ 45/30 -1 ==> i(45) = 0,0431817 ==> VA = 7800 (1 + i)(-1) ==> VA = 7766,46

b) (1 +  ) (1 + ir) = (1 + ia) ==> (1,00431817) (1,01) = 1,01436

V(0) = 850 ==> V(45) = 850 * 1,01436 ==> V(45) = 862,21

116) V(90) = 250.000 ==> V(0) = 225.000 + 5.000 ==> V(0) = 230.000

a) C(90)/ C(0) = (1 + i)3 ==> (250.000/230.000)1/3 - 1 = i ==> i (30) = 0,028183

b) Venta: 4,81 - 0,007 ==> 4,77633 = (1 + i)3 ==> i (30) = 0,0402

Compra: 4,21 + 0,008 4,24368

c) (1 + ia) = (1 +  ) * (1 + ir) ==> 1,028183 = (1,0402) (1 + ir)3 ==> ir (30) = (0,01155)

117) a) 12.500.000 (1,0875) (35/30) = 13.785.128.- ==> i (35) = 0,10281024 (alternativa 1)

b) (alternativa 2) (23.980/20.000) – 1 = i ==> i (35) = 0,199 Más conveniente

(alternativa 3) (6.452/6.030) – 1 = i ==> i (35) = 0,0699834
(alternativa 4) i (35) = 0,115

c) Cotiz. (1- 0,0118) = 403.000 (1,006) (1,115) ==> Cotiz. = 457.438,85

I) Ent. 1) d60 = 820.000 / 3.500.000 ==> d60 = 0,2342857 i60 = 0,2342857 / (1-0,2342857)
Ent. 1) i60 = 0,30597
Ent. 2) J(365/30) = 1,1558 ==> i(30) = 1,1558 * 30/365 ==> i(30) = 0,09499726

i60 = (1,09499726) (60/30) - 1 ==> Ent. 2) i60 = 0,199019

Ent. 3) r365 = 1,71 ==> i60 =1,71 * 60/365 ==> Ent. 3) i60 = 0,281096

118) ia (30) = 0,1447 ==> i (90) = (1,1447)3 - 1 => ia (90) = 0,50

(1 + ia) = (1 +  ) (1 + ir) ==> ir = ==> ir (90) = 0,1538

119)

_____________________________________________________________________________________
 20/03 20/07
120) |_______________________________________________|
1.700 1.980
18/02 122 días 20/06
|_______________________________________________|
Y(agrop) junto i(90) 1% Y(agrop)

a) Y(agrop) (20/6) = 570 585 (20/30) = 579,96 Y(agrop) (18/2) = 530 545 (18/28) = 539,59
570 530

Y(π) (20/7) = 270 275 (20/31) = 273,22 Y(π) (20/3) = 240 247 (20/31) = 244,49
270 240
a) 579,96 (1,01)(122/90) = 273,22 (1+ir) => ir (0,n) = -(0,0251436) [1+ir(30)]prom = (1-0,0251436)(30/122)
539,59 244,49

ir(30)prom = -(0,006242) => Y(agrop) (01/3) = 545 555 (01/31) => Y(agrop) = 545,32
545
555,00 (1,01)(30/90) = 255 [1+ir(Abr)] ==> ir(Abr) = -(0,010903)
545,32 247

b) 1.980 = (1+ia) => (1+ia) = 1,125 => 1,125 = 273,22 (1+ir) => ir (0,n) = 0,006702 .
1.760 244,49
Interés real = 1760 273,22 x 0,006702 => Interés real = 13,18 .
244,49

121)

122) i (365/45) = 0,0606 ==> i (365/56) = (1,0606)(56/45) - 1 ==> i(365/56) = 0,0759636

d(365/90) = 0,098 ==> i(365/57) = 1 + 0,098 (57/90) - 1 ==> i (365/57) = 0,067503

1 - 0,098
a) C(n) = 85.000 * (1,0759636) * (1,067503) ==> C(n) = 97.630,52
(20/31)
b) Y(20/05/97) = Y(4/97) * Y(5/97) ==>
Y(4/97)
(20/31)
Y(20/05/97) = 5210 * 5370 ==> Y(20/05/97) = 5312,67
5210
(10/30)
Y(10/9/97) = Y(8/97) * Y(9/97) ==>
Y(8/97)
(10/30)
Y(10/9/97) = 5850 * 5940 ==> Y(10/9/97) = 5879,85
5850
(1,0759636) * (1,067503) = 5879,85 * (1 + ir) ==> ir = 0,037799 toda la operación
5312,67
ir (30) = (1,037799)(30/113) - 1 ==> ir (30) = 0,009899
[1 + ia (8/97)] = [1 + S (8/97)] * [1 + ir (8/97)] ==>

[(1,067503)(31/57) = 5850 * (1 + ir (8/97)] ==> ir (8/97) = 0,009596

5700
_____________________________________________________________________________________
123) Operaciones Ajustables

Y(18/2) = 1,0176 * 1,0295 (18/28) ==> Y(18/12) = 1,0252

1,0176

Y(4/5) = 1,0488 * 1,0623 (4/31) ==> Y(4/5) = 1,0505

1,0488

C (4/5) = 130.000 * 1,0505 * (1,035)(75/365) ==> C(4/5) = 134.153,11

1,0252

Y  (18/2) = 2.464 * 2.450 (18/28) ==> Y  (18/12) = 2.455

2.464

Y  (4/5) = 2.442 * 2.458 (4/31) ==> Y  (4/5) = 2.444,06

2.442

1,0505 * (1,035)(75/365) = 2.444,06 * (1 + ir) ==> ir = 0,036566

1,0252 2.455

1,0505 * (1,035)(4/365) = 2.444,06 * [1 + ir (5/98)] ==> ir(5/98) = 0,001154

1,0488 2.442

1,0295 * (1,035) (10/365) = 2.450 * [1 + ir (2/98)] ==> ir (2/98) = 0,0072057

1,0252 2.455

b) 1,0505 * (1,035)(75/365) = 2.444,06 * (1,037) ==> Y(18/2) = 2.456,03 índice del 18/2
1,0252 Y(18/2)

2.456,03 = 2.464 * Y (2/98) (18/28) ==> Y(2/98) = 2.451,61

2.464

18/11 Y(Const) (112 días) 10/03 J(365/40) = 14,50% 19/05

|___________________________|______________________________|
(18/30)
124) a) Y(18/11) = 318,40 * 322,20 ==> Y(18/11) = 320,67
318,40
(10/31)
Y(10/3) = 335,80 * 340,60 ==> Y(10/3) = 337,34
335,80

i(40) = 0,145 * (40/365) ==> i(40) = 0,01589 ==> i(70) = (1,01589)(70/40) - 1 ==> i (70) = 0,0279737
C(n) = 75.000 * 337,34 (1,02)(112/180) * 1,0279737 ==> C(n) = 82.111,46
320,67

b)1 [1 + ia (182)] = 337,34 (1,02)(112/180) * 1,0279737 ==> (1 + ia) = 1,094817

320,67

Y(18/11) = 2.295 * 2.350 (18/30) ==> Y(18/11) = 2.327,84

2.295

Y(19/5) = 2.442 * 2.458 (19/31) ==> Y(19/5) = 2451,79

2.442

[1 + ir (182)] = 1,094817 ==> 1 + ir (182) = 1,039468 ==> ir (60) = 0,012842

2.451,79
2.327,84
b)2 [1 + ia (1ª Q. marzo)] = [1 + π (1ª Q. marzo)] [1 + ir (1ª Q. marzo)]

28/02 Y(Const) (10 días) 10/03 J(365/40) = 14,50% (5 días) 15/03

|___________________________|____________________________________|

i(40) = 0,01589 => i(5) = (1,01589)5/40 - 1 => i(5) = 0,0019726

Y(π) (15/3) = 2.450 * 2.476 15/31 ==> Y(π) (15/3) = 2.462,97

2.450
10/180
337,34 (1,02) (1,0019726) = 2.462,97 * [1 + ir (1ª Q. marzo)] ir (1ª Q. marzo) = 0,003031
335,80 2.450,00

c) ia (112) ==> i (20) = 0,20 * (20/365) ==> i (20) = 0,010959

ia (112) = (1,010959) (112/20) - 1 ==> ia (112) = 0,0629372

(1 + ir) = 1,0629372 ==> ir = 0,001962454

(112/180)
337,34 (1,02)
320,67

201) i (30) = (1 + 0,07)(1/6) - 1 ==> i (30) = 0,01134026

V(0) = 14.000 + 1.600 * 1 - (1,01134026)-(30) + 2.500 * (1,01134026)-(31)

0,01134026

V(o) = 14.000 + 40.494,85 + 1.762,48 ==> V(0) = 56.257,33

202) V(18) = 1.500 (1,168896)12 - 1 (1,168896)7 + 3.000 (1,168896)7 - 1 ==> ...

0,168896 0,168896

... ==> V(18) = 145.792,79 + 35.195,79 ==> V(18) = 180.988,57

203) 100.000 = C 1 - (1,06)-(5) + 2 * C 1 - (1,06)-(7) (1,06)(-5) ==>

0,06 0,06

100.000 = C * 4,212364 + C * 8,34296 ==> C1 = 7.964,75 C2 = 15.929,50 opción 1

100.000 = C 1 - (1,06) -(12) + C * 1 - (1,06) -(7) (1,06)(-5) ==>

0,06 0,06

100.000 = C * 8,38384 + C * 4,17148 ==> C1 = 7.964,75 C2 = 15.929,50 opción 2

204) i (90) = 0,04 ==> i (30) = (1,04)(1/3) -1 ==> i (30) = 0,0131594

V(n) = 30.000 (1,0131594)15 -1 => V(n) = 493.911,57

0,0131594

205) 50.000 = C 1- (1,07)-(14) ==> C = 5.717,25

0,07

V(8) = 5717,25 1- (1,07)-(6) ==> V(8) = 27.251,50

0,07
206)

_____________________________________________________________________________________

207) a) 800.000 = C 1 - (1,05)-(12) + 2.C 1 - (1,05)-(6) (1,05) ½ ==> C1 = 41.525,383

0,05 0,05 C2 = 83.050,766

b) 800.000 = C 1- (1,05)-(12) ==> C = 90.260,33

0,05

208) 1) 30.000 = C (1,01)16 - 1 (1,012)15 + C (1,012)16 -1 (1,012)5 + ....

0,01 0,012

.... + C.3 * (1,030301)5 - 1 (1,012)15 + C.3 (1,036434)5 - 1 ==>

0,030301 0,036434

30.000 = C * 20,6392894704 + C * 11,2064935946 + C * 16,1335738343 ==> C = 447,50

2) 447,50 (1,012)5 - 1 (1,012)5 + 1.342,50 (1,036434)4 - 1 ==>

0,012 0,036434

Dejo de Ahorrar ==> VF = 8.607,56

8.607,56 = C (1,024144) 4 - 1 ==> C = 2.075,51

0,024144

209)

210) a) 5.000.000 = C (1,01)31 -1 (1,013)6 + 2.C (1,030301)10 -1 (1,013)6 ==>

0,01 0,030301
C(n) = 78.303,718
C(t) = 156.607,437

b) V(36) = 78.303,72 (1,01)6 -1 (1,013)6 + 156.607,44 (1,030301)2 -1 (1,013)6 ==>

0,01 0,030301

V(36) = 864.124,09

864.124,09 = C (1,013)6 -1 ==> C = 139.410,53

0,013

211) a) V(20) = 600 (1,035)6 -1 (1,04)6 + 600 (1,04)6 -1 (1,04)11 + 900 (1,04)8 -1 (1,04)3
0,035 0,04 0,04

V(20) = 7.077,87 + 3.922,34 + 9.328,28 ==> V(20) = 20.328,49

b) 600 (1,035)3 -1 (1,04)12 = C ==> C = 2.983,90

0,035
212) 180.000 = c (1,015)8 -1 (1,015)7 (1,025)15 + (c*1,4) (1,015)7 -1 (1,025)15 + ==>
0,015 0,015
=> (c*1,4) (1,025)5 -1 (1,025)10 + (c*1,4-500) (1,025)5 -1 (1,025)5 => C1 = 3.964,85 C2 = 5.550,79
0,025 0,025
b) 180.000 = 3.964,85 (1,015)8 -1 (1,015)7 (1,025)25 + 5.550,79 (1,015)7 -1 (1,025)25 + ==>
0,015 0,015
=> 5.550,79 (1,025)2 -1 (1,025)23 + c (1,025)5 -1 (1,025)2 ==> C = 2.899,06
0,025 0,025
c) Ah(30) = 3.964,85 (1,015)8 -1 (1,015)7 (1,025)15 + 5.550,79 (1,015)7 -1 (1,025)15 ==>
0,015 0,015
=> 5.550,79 (1,025)2 -1 (1,025)13 ==> Ah(30) = 128.108,82
0,025
180.000 = 128.108,82 (1,025)x + 5.000 (1,025)x -1 ==> X = 5,946148
0,025
180.000 = 128.108,82 (1,025)5 + 5.000 (1,025)5 -1 + P. Adic. ==> P. Adic. = 8.774,91
0,025
d) 180.000 = 128.108,82 (1,025)3 (1,025)x + 4.000 (1,025)x -1 => X = 5,345286 => Mes 38 + P. Adic
0,025

252) 500.000 = C + 20 1 - (1,01)-(12) - 20 x 12 x (1,01)-(12) + ….

0,01 0,01 0,01
…. + (C + 11 x 20 + 30) + 30 1 - (1,01)-(12) - 30 x 12 x (1,01)-(12) (1,01)-(12) + ….
0,01 0,01 0,01
.. + (C + 11 x 20 + 30 x 12) 1 - (1,012)-(12) (1,01)-(24) ==> C = 16.259,66
0,012

…+ C (0,96) 4 x 2 (1,0609)6 - 1 (1,03) (1,02)12 + C * (0,96)4 x 2 (1,0404)6 - 1 (1,02) ==>

0,0609 0,0404
1.000.000 = C x 14,7306489082 + C x 6,69418125757 + C x 15,51324612 + C x 11,5042995231 ==>
1) C = 20643,08 ==> Ck = 20.643,08 (0,96)4 x 2 ==> Ck = 35.066,26
2) V(24) = 20.643,08 x 14,7306489082 + 20.643,08 x 6,69418125757 + 35.066,26 (1,0404)7 - 1 ==>
0,0404
==> V(24) = 442.274,48 + 277.300,13 ==> V(24) = 711.574,61
719.574,61 (1,0404)X + 35.066,26 1,0404X - 1 = 1.000.000
0,0404
1.000.000 = 867.976,73 = 719.574,641 (1,0404) X + 867.976,73 (1,0404) X ==>
1.867,73 = (1,0404) X x (719.574,61 + 867.976,73) ==> 1,176640202 = (1,0404) X ==>
X = 4,171
_______________________________________________________________________________________________________________________________
 ==> C32 = 16.259,66
_____________________________________________________________________________________

255)
_____________________________________________________________________________________
256)
1,10 8 -1
V(23) = 120 (1,08) -1 1,08 (1,08)8 (1,10)7 (1,09) 8 + 120 (1,10) 8 (1,08) -1 x 7 (1,10)7 (1,09) 8 + …
1,10 -1
1,08
1,10 5 -1
…+ 120 (1,10)15 (1,09) -1 1,09 (1,09) 8
1,10 -1
1,09
_____________________________________________________________________________________

257)

120 + 4R = 160 ==> R = 10 C(1) + 2 x 10 = 120 ==> C(1) = 100

150 + (-20 x Y) = 0 ==> Y = 7,50 150 + (-20 x 7) = 10

V(0) = 100 + 10 1 - (1,03)-5 - 10 x 5 x (1,03)-5 (1,03)-2 +

0,03 0,03 0,03

(100 + 5 x 10) + 10 1 - (1,02)-2 - 10 x 2 x (1,02)-5 (1,03)-7 +

0,02 0,02 0,02

150 + (-20) 1 - (1,02)-7 - (-20) x 7 x (1,02)-7 (1,02)-2 (1,03)-7

0,02 0,02 0,02
_____________________________________________________________________________________

258)
_____________________________________________________________________________________

259) a) V (83)=2.800 1,1518-(1+0,04)18 (1,05)59 + 2.800 (1,15)18 1,1516-(1,05)16 (1,05)43 + …

1,15 – (1+0,04) 1,15 – (1,05)

… + 2.800 (1,15)33 + 400 (1,1025)16-1 - 400 16 (1,05)8

0,1025 0,1025 0,1025

b) V(92) = 2.800 (1,15)18-(1,04)18 (1,05)68 + 2.800 (1,15)18. 1,1516-(1,05)16 (1,05)52 +...

1,15 – 1,04 1,15 – 1,05

2.800 (1,15)33 + 400 (1,1025)10-1 - 400 .10 (1,05)29+ C1CM . (1,05)10 -1

0,1025 0,1025 0,1025 0,05
_____________________________________________________________________________________