MATEMATICA FINANCIERA

GRUPO 102007_128
FASE 1

PRESENTADO POR :

CLAUDIA AGUDELO
C.C 43 796 937

TUTOR

ALVARO EFREN MUOZ

UNIVERSIDAD NACIONAL ABIERTA Y ADISTANCIA

FACULTAD DE CIENCIAS BASICAS E INGENIERIA
PROGRAMA DE INGENIERIA INDUSTRIAL
21 de septiembre 2017
Medelln Antioquia
RTA Y ADISTANCIA
CAS E INGENIERIA
A INDUSTRIAL
CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.00970
TIEMPO 12MESES
INTERESES SIMPLE
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 24,250,000 2,500,000,000
2 2,500,000,000 24,250,000 2,500,000,000
3 2,500,000,000 24,250,000 2,500,000,000
4 2,500,000,000 24,250,000 2,500,000,000
5 2,500,000,000 24,250,000 2,500,000,000
6 2,500,000,000 24,250,000 2,500,000,000
7 2,500,000,000 24,250,000 2,500,000,000
8 2,500,000,000 24,250,000 2,500,000,000
9 2,500,000,000 24,250,000 2,500,000,000
10 2,500,000,000 24,250,000 2,500,000,000
11 2,500,000,000 24,250,000 2,500,000,000
12 2,500,000,000 24,250,000 2,500,000,000
TOTAL POR CANCELAR

CLIENTE ENRECOL
PRESTAMO 2,500,000,000

TASA DE INTERES MENSUAL 0.01076

TIEMPO 24 MESES
INTERESES SIMPLE
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 26,900,000 2,500,000,000
2 2,500,000,000 26,900,000 2,500,000,000
3 2,500,000,000 26,900,000 2,500,000,000
4 2,500,000,000 26,900,000 2,500,000,000
5 2,500,000,000 26,900,000 2,500,000,000
6 2,500,000,000 26,900,000 2,500,000,000
7 2,500,000,000 26,900,000 2,500,000,000
8 2,500,000,000 26,900,000 2,500,000,000
9 2,500,000,000 26,900,000 2,500,000,000
10 2,500,000,000 26,900,000 2,500,000,000
11 2,500,000,000 26,900,000 2,500,000,000
12 2,500,000,000 26,900,000 2,500,000,000
13 2,500,000,000 26,900,000 2,500,000,000
14 2,500,000,000 26,900,000 2,500,000,000
15 2,500,000,000 26,900,000 2,500,000,000
16 2,500,000,000 26,900,000 2,500,000,000
17 2,500,000,000 26,900,000 2,500,000,000
 18 2,500,000,000 26,900,000 2,500,000,000
19 2,500,000,000 26,900,000 2,500,000,000
20 2,500,000,000 26,900,000 2,500,000,000
21 2,500,000,000 26,900,000 2,500,000,000
22 2,500,000,000 26,900,000 2,500,000,000
23 2,500,000,000 26,900,000 2,500,000,000
24 2,500,000,000 26,900,000 2,500,000,000
TOTAL POR CANCELAR

CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.01096
TIEMPO 36 MESES
INTERESES SIMPLE
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 27,397,500 2,500,000,000
2 2,500,000,000 27,397,500 2,500,000,000
3 2,500,000,000 27,397,500 2,500,000,000
4 2,500,000,000 27,397,500 2,500,000,000
5 2,500,000,000 27,397,500 2,500,000,000
6 2,500,000,000 27,397,500 2,500,000,000
7 2,500,000,000 27,397,500 2,500,000,000
8 2,500,000,000 27,397,500 2,500,000,000
9 2,500,000,000 27,397,500 2,500,000,000
10 2,500,000,000 27,397,500 2,500,000,000
11 2,500,000,000 27,397,500 2,500,000,000
12 2,500,000,000 27,397,500 2,500,000,000
13 2,500,000,000 27,397,500 2,500,000,000
14 2,500,000,000 27,397,500 2,500,000,000
15 2,500,000,000 27,397,500 2,500,000,000
16 2,500,000,000 27,397,500 2,500,000,000
17 2,500,000,000 27,397,500 2,500,000,000
18 2,500,000,000 27,397,500 2,500,000,000
19 2,500,000,000 27,397,500 2,500,000,000
20 2,500,000,000 27,397,500 2,500,000,000
21 2,500,000,000 27,397,500 2,500,000,000
22 2,500,000,000 27,397,500 2,500,000,000
23 2,500,000,000 27,397,500 2,500,000,000
24 2,500,000,000 27,397,500 2,500,000,000
25 2,500,000,000 27,397,500 2,500,000,000
26 2,500,000,000 27,397,500 2,500,000,000
27 2,500,000,000 27,397,500 2,500,000,000
28 2,500,000,000 27,397,500 2,500,000,000
 29 2,500,000,000 27,397,500 2,500,000,000
30 2,500,000,000 27,397,500 2,500,000,000
31 2,500,000,000 27,397,500 2,500,000,000
32 2,500,000,000 27,397,500 2,500,000,000
33 2,500,000,000 27,397,500 2,500,000,000
34 2,500,000,000 27,397,500 2,500,000,000
35 2,500,000,000 27,397,500 2,500,000,000
36 2,500,000,000 27,397,500 2,500,000,000
TOTAL POR CANCELAR

CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.01159
TIEMPO 48 MESES
INTERESES SIMPLE
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 28,975,000 2,500,000,000
2 2,500,000,000 28,975,000 2,500,000,000
3 2,500,000,000 28,975,000 2,500,000,000
4 2,500,000,000 28,975,000 2,500,000,000
5 2,500,000,000 28,975,000 2,500,000,000
6 2,500,000,000 28,975,000 2,500,000,000
7 2,500,000,000 28,975,000 2,500,000,000
8 2,500,000,000 28,975,000 2,500,000,000
9 2,500,000,000 28,975,000 2,500,000,000
10 2,500,000,000 28,975,000 2,500,000,000
11 2,500,000,000 28,975,000 2,500,000,000
12 2,500,000,000 28,975,000 2,500,000,000
13 2,500,000,000 28,975,000 2,500,000,000
14 2,500,000,000 28,975,000 2,500,000,000
15 2,500,000,000 28,975,000 2,500,000,000
16 2,500,000,000 28,975,000 2,500,000,000
17 2,500,000,000 28,975,000 2,500,000,000
18 2,500,000,000 28,975,000 2,500,000,000
19 2,500,000,000 28,975,000 2,500,000,000
20 2,500,000,000 28,975,000 2,500,000,000
21 2,500,000,000 28,975,000 2,500,000,000
22 2,500,000,000 28,975,000 2,500,000,000
23 2,500,000,000 28,975,000 2,500,000,000
24 2,500,000,000 28,975,000 2,500,000,000
25 2,500,000,000 28,975,000 2,500,000,000
26 2,500,000,000 28,975,000 2,500,000,000
27 2,500,000,000 28,975,000 2,500,000,000
 28 2,500,000,000 28,975,000 2,500,000,000
29 2,500,000,000 28,975,000 2,500,000,000
30 2,500,000,000 28,975,000 2,500,000,000
31 2,500,000,000 28,975,000 2,500,000,000
32 2,500,000,000 28,975,000 2,500,000,000
33 2,500,000,000 28,975,000 2,500,000,000
34 2,500,000,000 28,975,000 2,500,000,000
35 2,500,000,000 28,975,000 2,500,000,000
36 2,500,000,000 28,975,000 2,500,000,000
37 2,500,000,000 28,975,000 2,500,000,000
38 2,500,000,000 28,975,000 2,500,000,000
39 2,500,000,000 28,975,000 2,500,000,000
40 2,500,000,000 28,975,000 2,500,000,000
41 2,500,000,000 28,975,000 2,500,000,000
42 2,500,000,000 28,975,000 2,500,000,000
43 2,500,000,000 28,975,000 2,500,000,000
44 2,500,000,000 28,975,000 2,500,000,000
45 2,500,000,000 28,975,000 2,500,000,000
46 2,500,000,000 28,975,000 2,500,000,000
47 2,500,000,000 28,975,000 2,500,000,000
48 2,500,000,000 28,975,000 2,500,000,000
TOTAL POR CANCELAR

CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.01250
TIEMPO 60 MESES
INTERESES SIMPLE
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 31,250,000 2,500,000,000
2 2,500,000,000 31,250,000 2,500,000,000
3 2,500,000,000 31,250,000 2,500,000,000
4 2,500,000,000 31,250,000 2,500,000,000
5 2,500,000,000 31,250,000 2,500,000,000
6 2,500,000,000 31,250,000 2,500,000,000
7 2,500,000,000 31,250,000 2,500,000,000
8 2,500,000,000 31,250,000 2,500,000,000
9 2,500,000,000 31,250,000 2,500,000,000
10 2,500,000,000 31,250,000 2,500,000,000
11 2,500,000,000 31,250,000 2,500,000,000
12 2,500,000,000 31,250,000 2,500,000,000
13 2,500,000,000 31,250,000 2,500,000,000
14 2,500,000,000 31,250,000 2,500,000,000
15 2,500,000,000 31,250,000 2,500,000,000
16 2,500,000,000 31,250,000 2,500,000,000
17 2,500,000,000 31,250,000 2,500,000,000
18 2,500,000,000 31,250,000 2,500,000,000
19 2,500,000,000 31,250,000 2,500,000,000
20 2,500,000,000 31,250,000 2,500,000,000
21 2,500,000,000 31,250,000 2,500,000,000
22 2,500,000,000 31,250,000 2,500,000,000
23 2,500,000,000 31,250,000 2,500,000,000
24 2,500,000,000 31,250,000 2,500,000,000
25 2,500,000,000 31,250,000 2,500,000,000
26 2,500,000,000 31,250,000 2,500,000,000
27 2,500,000,000 31,250,000 2,500,000,000
28 2,500,000,000 31,250,000 2,500,000,000
29 2,500,000,000 31,250,000 2,500,000,000
30 2,500,000,000 31,250,000 2,500,000,000
31 2,500,000,000 31,250,000 2,500,000,000
32 2,500,000,000 31,250,000 2,500,000,000
33 2,500,000,000 31,250,000 2,500,000,000
34 2,500,000,000 31,250,000 2,500,000,000
35 2,500,000,000 31,250,000 2,500,000,000
36 2,500,000,000 31,250,000 2,500,000,000
37 2,500,000,000 31,250,000 2,500,000,000
38 2,500,000,000 31,250,000 2,500,000,000
39 2,500,000,000 31,250,000 2,500,000,000
40 2,500,000,000 31,250,000 2,500,000,000
41 2,500,000,000 31,250,000 2,500,000,000
42 2,500,000,000 31,250,000 2,500,000,000
43 2,500,000,000 31,250,000 2,500,000,000
44 2,500,000,000 31,250,000 2,500,000,000
45 2,500,000,000 31,250,000 2,500,000,000
46 2,500,000,000 31,250,000 2,500,000,000
47 2,500,000,000 31,250,000 2,500,000,000
48 2,500,000,000 31,250,000 2,500,000,000
49 2,500,000,000 31,250,000 2,500,000,000
50 2,500,000,000 31,250,000 2,500,000,000
51 2,500,000,000 31,250,000 2,500,000,000
52 2,500,000,000 31,250,000 2,500,000,000
53 2,500,000,000 31,250,000 2,500,000,000
54 2,500,000,000 31,250,000 2,500,000,000
55 2,500,000,000 31,250,000 2,500,000,000
56 2,500,000,000 31,250,000 2,500,000,000
 57 2,500,000,000 31,250,000 2,500,000,000
58 2,500,000,000 31,250,000 2,500,000,000
59 2,500,000,000 31,250,000 2,500,000,000
60 2,500,000,000 31,250,000 2,500,000,000
TOTAL POR CANCELAR
INTERESES ACOMULADOS
24,250,000
48,500,000
72,750,000
97,000,000
121,250,000
145,500,000
169,750,000
194,000,000
218,250,000
242,500,000
266,750,000
291,000,000
2,791,000,000 - 291,000,000

INTERESES ACOMULADOS
26,900,000
53,800,000
80,700,000
107,600,000
134,500,000
161,400,000
188,300,000
215,200,000
242,100,000
269,000,000
295,900,000
322,800,000
349,700,000
376,600,000
403,500,000
430,400,000
457,300,000
 484,200,000
511,100,000
538,000,000
564,900,000
591,800,000
618,700,000
645,600,000
2,822,800,000 - 322,800,000

INTERESES ACOMULADOS
27,397,500
54,795,000
82,192,500
109,590,000
136,987,500
164,385,000
191,782,500
219,180,000
246,577,500
273,975,000
301,372,500
328,770,000
356,167,500
383,565,000
410,962,500
438,360,000
465,757,500
493,155,000
520,552,500
547,950,000
575,347,500
602,745,000
630,142,500
657,540,000
684,937,500
712,335,000
739,732,500
767,130,000
 794,527,500
821,925,000
849,322,500
876,720,000
904,117,500
931,515,000
958,912,500
986,310,000
3,486,310,000 - 986,310,000

INTERESES ACOMULADOS
28,975,000
57,950,000
86,925,000
115,900,000
144,875,000
173,850,000
202,825,000
231,800,000
260,775,000
289,750,000
318,725,000
347,700,000
376,675,000
405,650,000
434,625,000
463,600,000
492,575,000
521,550,000
550,525,000
579,500,000
608,475,000
637,450,000
666,425,000
695,400,000
724,375,000
753,350,000
782,325,000
 811,300,000
840,275,000
869,250,000
898,225,000
927,200,000
956,175,000
985,150,000
1,014,125,000
1,043,100,000
1,072,075,000
1,101,050,000
1,130,025,000
1,159,000,000
1,187,975,000
1,216,950,000
1,245,925,000
1,274,900,000
1,303,875,000
1,332,850,000
1,361,825,000
1,390,800,000
3,890,800,000 - 1,390,800,000

INTERESES ACOMULADOS
31,250,000
62,500,000
93,750,000
125,000,000
156,250,000
187,500,000
218,750,000
250,000,000
281,250,000
312,500,000
343,750,000
375,000,000
406,250,000
437,500,000
 468,750,000
500,000,000
531,250,000
562,500,000
593,750,000
625,000,000
656,250,000
687,500,000
718,750,000
750,000,000
781,250,000
812,500,000
843,750,000
875,000,000
906,250,000
937,500,000
968,750,000
1,000,000,000
1,031,250,000
1,062,500,000
1,093,750,000
1,125,000,000
1,156,250,000
1,187,500,000
1,218,750,000
1,250,000,000
1,281,250,000
1,312,500,000
1,343,750,000
1,375,000,000
1,406,250,000
1,437,500,000
1,468,750,000
1,500,000,000
1,531,250,000
1,562,500,000
1,593,750,000
1,625,000,000
1,656,250,000
1,687,500,000
1,718,750,000
1,750,000,000
1,781,250,000
1,812,500,000
1,843,750,000
1,875,000,000
4,375,000,000 - 1,875,000,000
CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.00970
TIEMPO 12 MESES
INTERESES COMPUESTO
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 24,250,000 2,524,250,000
2 2,524,250,000 24,485,225 2,548,735,225
3 2,548,735,225 24,722,732 2,573,457,957
4 2,573,457,957 24,962,542 2,598,420,499
5 2,598,420,499 25,204,679 2,623,625,178
6 2,623,625,178 25,449,164 2,649,074,342
7 2,649,074,342 25,696,021 2,674,770,363
8 2,674,770,363 25,945,273 2,700,715,636
9 2,700,715,636 26,196,942 2,726,912,578
10 2,726,912,578 26,451,052 2,753,363,630
11 2,753,363,630 26,707,627 2,780,071,257
12 2,780,071,257 26,966,691 2,807,037,948
TOTAL POR CANCELAR 307,037,948 2,807,037,948

CLIENTE ENRECOL
PRESTAMO 2,500,000,000

TASA DE INTERES MENSUAL 0.01076

TIEMPO 24 MESES
INTERESES COMPUESTO
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 26,900,000 2,526,900,000
2 2,526,900,000 27,189,444 2,554,089,444
3 2,554,089,444 27,482,002 2,581,571,446
4 2,581,571,446 27,777,709 2,609,349,155
5 2,609,349,155 28,076,597 2,637,425,752
6 2,637,425,752 28,378,701 2,665,804,453
7 2,665,804,453 28,684,056 2,694,488,509
8 2,694,488,509 28,992,696 2,723,481,205
9 2,723,481,205 29,304,658 2,752,785,863
10 2,752,785,863 29,619,976 2,782,405,839
11 2,782,405,839 29,938,687 2,812,344,526
12 2,812,344,526 30,260,827 2,842,605,353
13 2,842,605,353 30,586,434 2,873,191,787
14 2,873,191,787 30,915,544 2,904,107,331
15 2,904,107,331 31,248,195 2,935,355,526
16 2,935,355,526 31,584,425 2,966,939,951
17 2,966,939,951 31,924,274 2,998,864,225
18 2,998,864,225 32,267,779 3,031,132,004
19 3,031,132,004 32,614,980 3,063,746,984
20 3,063,746,984 32,965,918 3,096,712,902
21 3,096,712,902 33,320,631 3,130,033,533
22 3,130,033,533 33,679,161 3,163,712,694
 23 3,163,712,694 34,041,549 3,197,754,243
24 3,197,754,243 34,407,836 3,232,162,079
TOTAL POR CANCELAR 342,605,353 3,232,162,079

CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.01096
TIEMPO 36 MESES
INTERESES COMPUESTO
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 27,397,500 2,527,397,500
2 2,527,397,500 27,697,749 2,555,095,249
3 2,555,095,249 28,001,289 2,583,096,538
4 2,583,096,538 28,308,155 2,611,404,693
5 2,611,404,693 28,618,384 2,640,023,077
6 2,640,023,077 28,932,013 2,668,955,090
7 2,668,955,090 29,249,079 2,698,204,169
8 2,698,204,169 29,569,619 2,727,773,788
9 2,727,773,788 29,893,673 2,757,667,461
10 2,757,667,461 30,221,278 2,787,888,739
11 2,787,888,739 30,552,473 2,818,441,212
12 2,818,441,212 30,887,297 2,849,328,509
13 2,849,328,509 31,225,791 2,880,554,300
14 2,880,554,300 31,567,995 2,912,122,295
15 2,912,122,295 31,913,948 2,944,036,243
16 2,944,036,243 32,263,693 2,976,299,936
17 2,976,299,936 32,617,271 3,008,917,207
18 3,008,917,207 32,974,724 3,041,891,931
19 3,041,891,931 33,336,094 3,075,228,025
20 3,075,228,025 33,701,424 3,108,929,449
21 3,108,929,449 34,070,758 3,143,000,207
22 3,143,000,207 34,444,139 3,177,444,346
23 3,177,444,346 34,821,613 3,212,265,959
24 3,212,265,959 35,203,223 3,247,469,182
25 3,247,469,182 35,589,015 3,283,058,197
26 3,283,058,197 35,979,035 3,319,037,232
28 3,319,037,232 36,373,329 3,355,410,561
29 3,355,410,561 36,771,944 3,392,182,505
30 3,392,182,505 37,174,928 3,429,357,433
31 3,429,357,433 37,582,328 3,466,939,761
32 3,466,939,761 37,994,193 3,504,933,954
33 3,504,933,954 38,410,571 3,543,344,525
34 3,543,344,525 38,831,513 3,582,176,038
35 3,582,176,038 39,257,067 3,621,433,105
36 3,621,433,105 39,687,285 3,661,120,390
TOTAL POR CANCELAR 1,161,120,389 3,661,120,390

CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.01159
TIEMPO 48 MESES
INTERESES COMPUESTO
 MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 28,975,000 2,528,975,000
2 2,528,975,000 29,310,820 2,558,285,820
3 2,558,285,820 29,650,533 2,587,936,353
4 2,587,936,353 29,994,182 2,617,930,535
5 2,617,930,535 30,341,815 2,648,272,350
6 2,648,272,350 30,693,477 2,678,965,827
7 2,678,965,827 31,049,214 2,710,015,041
8 2,710,015,041 31,409,074 2,741,424,115
9 2,741,424,115 31,773,105 2,773,197,220
10 2,773,197,220 32,141,356 2,805,338,576
11 2,805,338,576 32,513,874 2,837,852,450
12 2,837,852,450 32,890,710 2,870,743,160
13 2,870,743,160 33,271,913 2,904,015,073
14 2,904,015,073 33,657,535 2,937,672,608
15 2,937,672,608 34,047,626 2,971,720,234
16 2,971,720,234 34,442,238 3,006,162,472
17 3,006,162,472 34,841,423 3,041,003,895
18 3,041,003,895 35,245,235 3,076,249,130
19 3,076,249,130 35,653,727 3,111,902,857
20 3,111,902,857 36,066,954 3,147,969,811
21 3,147,969,811 36,484,970 3,184,454,781
22 3,183,454,781 36,896,241 3,220,351,022
23 3,220,351,022 37,323,868 3,257,674,890
24 3,257,674,890 37,756,452 3,295,431,342
25 3,295,431,342 38,194,049 3,333,625,391
26 3,333,625,391 38,636,718 3,372,262,109
28 3,372,262,109 39,084,518 3,411,346,627
29 3,411,346,627 39,537,507 3,450,884,134
30 3,450,884,134 39,995,747 3,490,879,881
31 3,490,879,881 40,459,298 3,531,339,179
32 3,531,339,179 40,928,221 3,572,267,400
33 3,572,267,400 41,402,579 3,613,669,979
34 3,613,669,979 41,882,435 3,655,552,414
35 3,655,552,414 42,367,852 3,697,920,266
36 3,697,920,266 42,858,896 3,740,779,162
37 3,740,779,162 43,355,630 3,784,134,792
38 3,784,134,792 43,858,122 3,827,992,914
39 3,827,992,914 44,366,438 3,872,359,352
40 3,872,359,352 44,880,645 3,917,239,997
41 3,917,239,997 45,400,812 3,962,640,809
42 3,962,640,809 45,927,007 4,008,567,816
43 4,008,567,816 46,459,301 4,055,027,117
44 4,055,027,117 46,997,764 4,102,024,881
45 4,102,024,881 47,542,468 4,149,567,349
46 4,149,567,349 48,093,486 4,197,660,835
47 4,197,660,835 48,650,889 4,246,311,724
48 4,246,311,724 49,214,753 4,295,526,477
TOTAL POR CANCELAR 1,796,526,479 4,295,526,477

CLIENTE ENRECOL
PRESTAMO 2,500,000,000
TASA DE INTERES MENSUAL 0.0125
TIEMPO 60 MESES
INTERESES COMPUESTO
MESES CAPITAL INICIAL INTERESES GENERADOS CAPITAL FINAL
1 2,500,000,000 31,250,000 2,531,250,000
2 2,531,250,000 31,640,625 2,562,890,625
3 2,562,890,625 32,036,133 2,594,926,758
4 2,594,926,758 32,436,584 2,627,363,342
5 2,627,363,342 32,842,042 2,660,205,384
6 2,660,205,384 33,252,567 2,693,457,951
7 2,693,457,951 33,668,224 2,727,126,175
8 2,727,126,175 34,089,077 2,761,215,252
9 2,761,215,252 34,515,191 2,795,730,443
10 2,795,730,443 34,946,631 2,830,677,074
11 2,830,677,074 35,383,463 2,866,060,537
12 2,866,060,537 35,825,757 2,901,886,294
13 2,901,886,294 36,273,579 2,938,159,873
14 2,938,159,873 36,726,998 2,974,886,871
15 2,974,886,871 37,186,086 3,012,072,957
16 3,012,072,957 37,650,912 3,049,723,869
17 3,049,723,869 38,121,548 3,087,845,417
18 3,087,845,417 38,598,068 3,126,443,485
19 3,126,443,485 39,080,544 3,165,524,029
20 3,165,524,029 39,569,050 3,205,093,079
21 3,205,093,079 40,063,663 3,245,156,742
22 3,245,156,742 40,564,459 3,285,721,201
23 3,285,721,201 41,071,515 3,326,792,716
24 3,326,792,716 41,584,909 3,368,377,625
25 3,368,377,625 42,104,720 3,410,482,345
26 3,410,482,345 42,631,029 3,453,113,374
28 3,453,113,374 43,163,917 3,496,277,291
29 3,496,277,291 43,703,466 3,539,980,757
30 3,539,980,757 44,249,759 3,584,230,516
31 3,584,230,516 44,802,881 3,629,033,397
32 3,629,033,397 45,362,917 3,674,396,314
33 3,674,396,314 45,929,954 3,720,326,268
34 3,720,326,268 46,504,078 3,766,830,346
35 3,766,830,346 47,085,379 3,813,915,725
36 3,813,915,725 47,673,947 3,861,589,672
37 3,861,589,672 48,269,871 3,909,859,543
38 3,909,859,543 48,873,244 3,958,732,787
39 3,958,732,787 49,484,160 4,008,216,947
40 4,008,216,947 50,102,712 4,058,319,659
41 4,058,319,659 50,728,996 4,109,048,655
42 4,109,048,655 51,363,108 4,160,411,763
43 4,160,411,763 52,005,147 4,212,416,910
44 4,212,416,910 52,655,211 4,265,072,121
45 4,265,072,121 53,313,402 4,318,385,523
46 4,318,385,523 53,979,819 4,372,365,342
47 4,372,365,342 54,654,567 4,427,019,909
48 4,427,019,909 55,337,749 4,482,357,658
49 4,482,357,658 56,029,471 4,538,387,129
50 4,538,387,129 56,729,839 4,595,116,968
 51 4,595,116,968 57,438,962 4,652,555,930
52 4,652,555,930 58,156,949 4,710,712,879
53 4,710,712,879 58,883,911 4,769,596,790
54 4,769,596,790 59,619,960 4,829,216,750
55 4,829,216,750 60,365,209 4,889,581,959
56 4,889,581,959 61,119,774 4,950,701,733
57 4,950,701,733 61,883,772 5,012,585,505
58 5,012,585,505 62,657,319 5,075,242,824
59 5,075,242,824 63,440,535 5,138,683,359
60 5,138,683,359 64,233,542 5,202,916,901
TOTAL POR CANCELAR 2,702,916,904 5,202,916,901
 2. LA COMPAA ENRECOL DESEA CONOCER:

A. Qu tasa efectiva le liquida la entidad A, por un prestamo que se pactara al 11,8%

de inters anual convertible semestralmente?.

tasa: 11,8% /100 = 0,118

periodos 2

formula a utilizar =(1+/) =(1+0.118/2) ^2 = -1 =

^ -1 12.14%

B. Qu tasa efectiva le liquida la entidad B, por un prstamo

que se pactara al 12,9% de inters anual convertible
cuatrimestralmente?

tasa: 12,9% /100 = 0,129

periodos 3

formula a utilizar =(1+/) =(1+0.129/3) ^3 = -1 =

^ -1 13,46%
 C. Qu tasa efectiva le liquida la entidad C, por un prstamo que
se pactara al 13,15% de inters anual convertible trimestralmente?

tasa: 13,15% /100 = 0.1315

periodos 4

formula a utilizar =(1+/) =(1+0.1315/4) ^4 = -1 =

^ -1 13,81%

D. Qu tasa efectiva le liquida la entidad D, por un prstamo que

se pactara al 13,4% de inters anual convertible bimestralmente?

tasa: 13,4% /100 = 0,134

periodos 6

formula a utilizar =(1+/) =(1+0.134/6) ^6 = -1 =

^ -1 14.17%
 E. Qu tasa efectiva le liquida la entidad E, por un prstamo que se
pactara al 14,5% de inters anual convertible bimensualmente?

tasa: 14,5% /100 = 0,145

periodos 24

formula a utilizar =(1+/) =(1+0.145/24) ^24 = -1

^ -1 = 15,55%
PROPUESTA VALOR DE LOS
MONTO DEL TIEMPO DEL TIPO DE TASA DE TASA DE
DEL INTERESES
CREDITO CREDITO INTERES INTERES
CREDITO GENERADOS
Hipotecario 2,500,000,000 12 meses Anual simple 0.97% $291,000,000
Hipotecario 2,500,000,000 12 Meses Compuesto anual 0.97% $307,037,948
Hipotecario 2,500,000,000 24 meses Anual simple 1.076% $322,800,000
Hipotecario 2,500,000,000 24 meses Compuesto anual 1.076% $342,605,353
Hipotecario 2,500,000,000 36 meses Anual simple 1.0959% $986,310,000
Hipotecario 2,500,000,000 36 meses Compuesto anual 1.0959% $1,161,120,389
Hipotecario 2,500,000,000 48 meses Anual simple 1.159% $1,390,800,000
Hipotecario 2,500,000,000 48 meses Compuesto anual 1.159% $1,796,526,479
Hipotecario 2,500,000,000 60 meses Anual simple 1.25% $1,875,000,000
Hipotecario 2,500,000,000 60 meses Compuesto anual 1.25% $2,702,916,904

sin lugar a dudas, pienso

Determine cul de las cinco (5) opciones de financiacin con respecto al interes s
aplicando el inters simple es la ms conveniente para que prolonga a 12 meses; ya
la compaa ENRECOL S.A.S, desarrolle su proyecto de intereses son relativament
inversin, teniendo en cuenta el costo financiero que multiplicar este valor por
representa cada opcin de financiamiento y el tiempo de menor al que nos aparece
duracin del crdito. Debe argumentar su respuesta y el tiempo obviamente
porque s

Determine cul de las cinco (5) opciones de financiacin aplicando el inters compuesto es la ms de las 5 opciones de financi
conveniente para que la compaa ENRECOL S.A.S, desarrolle su proyecto de inversin, teniendo es igualmente la primera,
en cuenta el costo financiero que representa cada opcin de financiamiento y el tiempo de este valor por los 5 ao
duracin del crdito. Debe argumentar su respuesta y porque. apar

Qu factores tuvo en cuenta diferente al costo de financiacin y tiempo de duracin del crdito, tuve en cuenta, un factor fi
se realiza una buena plane
para escoger la mejor opcin de financiacin del proyecto de inversin y porque desde el punto demanda, se puede tam
de vista de los inversionistas?

Cul considera es el factor o elemento ms importante a tener en cuenta al momento de analizar considero que el factor ma
la demanda que pueda
y evaluar alternativas de financiacin para emprender proyectos de inversin y porque? ofrecer y con el cual pen
 sin lugar a dudas, pienso que la mejor opcion de financiacion
con respecto al interes simple, es la primera, en donde se
prolonga a 12 meses; ya que se puede evidenciar que los
ntereses son relativamente bajos; si realizamos la operacin de
multiplicar este valor por los 5 aos, nos da un valor mucho
menor al que nos aparece en el cuadro comparativo, ya que con
el tiempo obviamente los intereses suben de manera
significativa.

e las 5 opciones de financiacion del interes compuesto, la mejor

es igualmente la primera, por la misma razon, si multiplicamos
este valor por los 5 aos, no da un valor muy bajo, al que
aparece en la tabla.

uve en cuenta, un factor ficticio, que es la produccion; ya que si

e realiza una buena planeacion de la produccion con base en la
demanda, se puede tambien escatimar en costos, gastos y
ganancias.

considero que el factor mas importante, es el valor del monto y

la demanda que pueda producir el producto que vamos a
ofrecer y con el cual pensamos pagar el valor de la deuda.