A.

Aplicando la tasa de inters simple mensual del 0,97% de un crdito de $

2.500.000.000 a 12 meses que le presta la entidad A, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 12 meses?
Periodos Monto Interes Interes Generado

1 2,500,000,000 0.97% 24250000

2 2,500,000,000 0.97% 24250000
3 2,500,000,000 0.97% 24250000
4 2,500,000,000 0.97% 24250000
5 2,500,000,000 0.97% 24250000
6 2,500,000,000 0.97% 24250000
7 2,500,000,000 0.97% 24250000
8 2,500,000,000 0.97% 24250000
9 2,500,000,000 0.97% 24250000
10 2,500,000,000 0.97% 24250000
11 2,500,000,000 0.97% 24250000
12 2,500,000,000 0.97% 24250000
Total intereses generados 291,000,000.00

B. Aplicando la tasa de inters compuesto mensual del 0,97% de un crdito de $

2.500.000.000 a 12 meses que le presta la entidad A, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 12 meses?

Periodos Monto Capital al inicio del periodo Interes Generado

1 2,500,000,000 2,500,000,000 24,250,000.00

2 2,500,000,000 2,524,250,000 24,485,225.00
3 2,500,000,000 2,548,735,225 24,722,731.68
4 2,500,000,000 2,573,457,957 24,962,542.18
5 2,500,000,000 2,598,420,499 25,204,678.84
6 2,500,000,000 2,623,625,178 25,449,164.22
7 2,500,000,000 2,649,074,342 25,696,021.12
8 2,500,000,000 2,674,770,363 25,945,272.52
9 2,500,000,000 2,700,715,636 26,196,941.66
10 2,500,000,000 2,726,912,577 26,451,052.00
11 2,500,000,000 2,753,363,629 26,707,627.20
12 2,500,000,000 2,780,071,256 26,966,691.19
Total intereses generados 307,037,947.62
C. Aplicando la tasa de inters simple mensual del 1,076% de un crdito de $
2.500.000.000 a 24 meses que le presta la entidad B, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 24 meses?

Periodos Monto Interes Interes Generado

1 2,500,000,000 1.076% 26,900,000.00
2 2,500,000,000 1.076% 26,900,000.00
3 2,500,000,000 1.076% 26,900,000.00
4 2,500,000,000 1.076% 26,900,000.00
5 2,500,000,000 1.076% 26,900,000.00
6 2,500,000,000 1.076% 26,900,000.00
7 2,500,000,000 1.076% 26,900,000.00
8 2,500,000,000 1.076% 26,900,000.00
9 2,500,000,000 1.076% 26,900,000.00
10 2,500,000,000 1.076% 26,900,000.00
11 2,500,000,000 1.076% 26,900,000.00
12 2,500,000,000 1.076% 26,900,000.00
13 2,500,000,000 1.076% 26,900,000.00
14 2,500,000,000 1.076% 26,900,000.00
15 2,500,000,000 1.076% 26,900,000.00
16 2,500,000,000 1.076% 26,900,000.00
17 2,500,000,000 1.076% 26,900,000.00
18 2,500,000,000 1.076% 26,900,000.00
19 2,500,000,000 1.076% 26,900,000.00
20 2,500,000,000 1.076% 26,900,000.00
21 2,500,000,000 1.076% 26,900,000.00
22 2,500,000,000 1.076% 26,900,000.00
23 2,500,000,000 1.076% 26,900,000.00
24 2,500,000,000 1.076% 26,900,000.00
Total Intereses Generados 645,600,000.00

D. Aplicando la tasa de inters compuesto mensual del 1,076% de un crdito de $

2.500.000.000 a 24 meses que le presta la entidad B, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 24 meses?
Periodos Monto Capital al inicio del periodo Interes Generado

1 2,500,000,000 $ 2,500,000,000.00 26,900,000.00

2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
$ 2,526,900,000.00 27,189,444.00
$ 2,554,089,444.00 27,482,002.42
$ 2,581,571,446.42 27,777,708.76
$ 2,609,349,155.18 28,076,596.91
$ 2,637,425,752.09 28,378,701.09
$ 2,665,804,453.18 28,684,055.92
 8 2,500,000,000 $ 2,694,488,509.10 28,992,696.36
9 2,500,000,000 $ 2,723,481,205.46 29,304,657.77
10 2,500,000,000 $ 2,752,785,863.23 29,619,975.89
11 2,500,000,000 $ 2,782,405,839.12 29,938,686.83
12 2,500,000,000 $ 2,812,344,525.95 30,260,827.10
Intereses generados Primer Ao 342,605,353.04
12 2,500,000,000 $ 3,125,011,192.16 33,625,120.43
13 2,500,000,000 $ 3,158,636,312.59 33,986,926.72
14 2,500,000,000 $ 3,192,623,239.31 34,352,626.05
15 2,500,000,000 $ 3,226,975,865.37 34,722,260.31
16 2,500,000,000 $ 3,261,698,125.68 35,095,871.83
17 2,500,000,000 $ 3,296,793,997.51 35,473,503.41
18 2,500,000,000 $ 3,332,267,500.92 35,855,198.31
19 2,500,000,000 $ 3,368,122,699.23 36,241,000.24
20 2,500,000,000 $ 3,404,363,699.48 36,630,953.41
21 2,500,000,000 $ 3,440,994,652.88 37,025,102.47
22 2,500,000,000 $ 3,478,019,755.35 37,423,492.57
23 2,500,000,000 $ 3,515,443,247.92 37,826,169.35
24 2,500,000,000 $ 3,553,269,417.26 38,233,178.93
Intereses generados segundo ao 466,491,404.03
Total intereses generados en los 24 meses 809,096,757.08

E. Aplicando la tasa de inters simple mensual del 1,0959% de un crdito de $

2.500.000.000 a 36 meses que le presta la entidad C, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 36 meses?

Periodos Monto Interes Interes Generado

1 2,500,000,000 1.0959% 27,397,500.00
2 2,500,000,000 1.0959% 27,397,500.00
3 2,500,000,000 1.0959% 27,397,500.00
4 2,500,000,000 1.0959% 27,397,500.00
5 2,500,000,000 1.0959% 27,397,500.00
6 2,500,000,000 1.0959% 27,397,500.00
7 2,500,000,000 1.0959% 27,397,500.00
8 2,500,000,000 1.0959% 27,397,500.00
9 2,500,000,000 1.0959% 27,397,500.00
10 2,500,000,000 1.0959% 27,397,500.00
11 2,500,000,000 1.0959% 27,397,500.00
12 2,500,000,000 1.0959% 27,397,500.00
13 2,500,000,000 1.0959% 27,397,500.00
14 2,500,000,000 1.0959% 27,397,500.00
15 2,500,000,000 1.0959% 27,397,500.00
16 2,500,000,000 1.0959% 27,397,500.00
17 2,500,000,000 1.0959% 27,397,500.00
 18 2,500,000,000 1.0959% 27,397,500.00
19 2,500,000,000 1.0959% 27,397,500.00
20 2,500,000,000 1.0959% 27,397,500.00
21 2,500,000,000 1.0959% 27,397,500.00
22 2,500,000,000 1.0959% 27,397,500.00
23 2,500,000,000 1.0959% 27,397,500.00
24 2,500,000,000 1.0959% 27,397,500.00
25 2,500,000,000 1.0959% 27,397,500.00
26 2,500,000,000 1.0959% 27,397,500.00
27 2,500,000,000 1.0959% 27,397,500.00
28 2,500,000,000 1.0959% 27,397,500.00
29 2,500,000,000 1.0959% 27,397,500.00
30 2,500,000,000 1.0959% 27,397,500.00
31 2,500,000,000 1.0959% 27,397,500.00
32 2,500,000,000 1.0959% 27,397,500.00
33 2,500,000,000 1.0959% 27,397,500.00
34 2,500,000,000 1.0959% 27,397,500.00
35 2,500,000,000 1.0959% 27,397,500.00
36 2,500,000,000 1.0959% 27,397,500.00
Total intereses generados en los 36 meses 986,310,000.00

F. Aplicando la tasa de inters compuesto mensual del 1,0959% de un crdito de $

2.500.000.000 a 36 meses que le presta la entidad C, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 36 meses?
Periodos Monto Capital al inicio del periodo Interes Generado

1 2,500,000,000 $ 2,500,000,000.00 27,397,500.00

2 2,500,000,000 $ 2,527,397,500.00 27,697,749.20
3 2,500,000,000 $ 2,555,095,249.20 28,001,288.84
4 2,500,000,000 $ 2,583,096,538.04 28,308,154.96
5 2,500,000,000 $ 2,611,404,693.00 28,618,384.03
6 2,500,000,000 $ 2,640,023,077.03 28,932,012.90
7 2,500,000,000 $ 2,668,955,089.93 29,249,078.83
8 2,500,000,000 $ 2,698,204,168.76 29,569,619.49
9 2,500,000,000 $ 2,727,773,788.25 29,893,672.95
10 2,500,000,000 $ 2,757,667,461.19 30,221,277.71
11 2,500,000,000 $ 2,787,888,738.90 30,552,472.69
12 2,500,000,000 $ 2,818,441,211.59 30,887,297.24
Intereses generados en el primer ao 349,328,508.83
1 2,500,000,000 $ 3,167,769,720.42 34,687,078.44
2 2,500,000,000 $ 3,202,456,798.85 35,095,724.06
3 2,500,000,000 $ 3,237,552,522.91 35,480,338.10
 4 2,500,000,000 $ 3,273,032,861.01 35,869,167.12
5 2,500,000,000 $ 3,308,902,028.14 36,262,257.33
6 2,500,000,000 $ 3,345,164,285.46 36,659,655.40
7 2,500,000,000 $ 3,381,823,940.87 37,061,408.57
8 2,500,000,000 $ 3,418,885,349.43 37,467,564.54
9 2,500,000,000 $ 3,456,352,913.98 37,878,171.58
10 2,500,000,000 $ 3,494,231,085.56 38,293,278.47
11 2,500,000,000 $ 3,532,524,364.03 38,712,934.51
12 2,500,000,000 $ 3,571,237,298.53 39,137,189.55
Intereses generados en el segundo ao 442,604,767.67
1 2,500,000,000 $ 4,013,842,066.21 43,987,695.20
2 2,500,000,000 $ 4,057,829,761.41 44,469,756.36
3 2,500,000,000 $ 4,102,299,517.77 44,957,100.42
4 2,500,000,000 $ 4,147,256,618.18 45,449,785.28
5 2,500,000,000 $ 4,192,706,403.46 45,947,869.48
6 2,500,000,000 $ 4,238,654,272.94 46,451,412.18
7 2,500,000,000 $ 4,285,105,685.11 46,960,473.20
8 2,500,000,000 $ 4,332,066,158.32 47,475,113.03
9 2,500,000,000 $ 4,379,541,271.35 47,995,392.79
10 2,500,000,000 $ 4,427,536,664.14 48,521,374.30
11 2,500,000,000 $ 4,476,058,038.44 49,053,120.04
12 2,500,000,000 $ 4,525,111,158.48 49,590,693.19
Intereses generados en el tercer ao 560,859,785.46
Total intereses generados en los 36 meses 1,352,793,061.96

G. Aplicando la tasa de inters simple mensual del 1,159% de un crdito de $

2.500.000.000 a 48 meses que le presta la entidad D, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 48 meses?

Periodos Monto Interes Interes Generado

1 2,500,000,000 1.159% 28,975,000.00
2 2,500,000,000 1.159% 28,975,000.00
3 2,500,000,000 1.159% 28,975,000.00
4 2,500,000,000 1.159% 28,975,000.00
5 2,500,000,000 1.159% 28,975,000.00
6 2,500,000,000 1.159% 28,975,000.00
7 2,500,000,000 1.159% 28,975,000.00
8 2,500,000,000 1.159% 28,975,000.00
9 2,500,000,000 1.159% 28,975,000.00
10 2,500,000,000 1.159% 28,975,000.00
11 2,500,000,000 1.159% 28,975,000.00
12 2,500,000,000 1.159% 28,975,000.00
13 2,500,000,000 1.159% 28,975,000.00
14 2,500,000,000 1.159% 28,975,000.00
 15 2,500,000,000 1.159% 28,975,000.00
16 2,500,000,000 1.159% 28,975,000.00
17 2,500,000,000 1.159% 28,975,000.00
18 2,500,000,000 1.159% 28,975,000.00
19 2,500,000,000 1.159% 28,975,000.00
20 2,500,000,000 1.159% 28,975,000.00
21 2,500,000,000 1.159% 28,975,000.00
22 2,500,000,000 1.159% 28,975,000.00
23 2,500,000,000 1.159% 28,975,000.00
24 2,500,000,000 1.159% 28,975,000.00
25 2,500,000,000 1.159% 28,975,000.00
26 2,500,000,000 1.159% 28,975,000.00
27 2,500,000,000 1.159% 28,975,000.00
28 2,500,000,000 1.159% 28,975,000.00
29 2,500,000,000 1.159% 28,975,000.00
30 2,500,000,000 1.159% 28,975,000.00
31 2,500,000,000 1.159% 28,975,000.00
32 2,500,000,000 1.159% 28,975,000.00
33 2,500,000,000 1.159% 28,975,000.00
34 2,500,000,000 1.159% 28,975,000.00
35 2,500,000,000 1.159% 28,975,000.00
36 2,500,000,000 1.159% 28,975,000.00
37 2,500,000,000 1.159% 28,975,000.00
38 2,500,000,000 1.159% 28,975,000.00
39 2,500,000,000 1.159% 28,975,000.00
40 2,500,000,000 1.159% 28,975,000.00
41 2,500,000,000 1.159% 28,975,000.00
42 2,500,000,000 1.159% 28,975,000.00
43 2,500,000,000 1.159% 28,975,000.00
44 2,500,000,000 1.159% 28,975,000.00
45 2,500,000,000 1.159% 28,975,000.00
46 2,500,000,000 1.159% 28,975,000.00
47 2,500,000,000 1.159% 28,975,000.00
48 2,500,000,000 1.159% 28,975,000.00
Total intereses generados en los 48 meses 1,390,800,000.00

H. Aplicando la tasa de inters compuesto mensual del 1,159% de un crdito de $

2.500.000.000 a 48 meses que le presta la entidad D, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 48 meses?
Periodos Monto Capital al inicio del periodo Interes Generado

1 2,500,000,000 $ 2,500,000,000.00 28,975,000.00

 2 2,500,000,000 $ 2,528,975,000.00 29,310,820.25
3 2,500,000,000 $ 2,558,285,820.25 29,650,532.66
4 2,500,000,000 $ 2,587,936,352.91 29,994,182.33
5 2,500,000,000 $ 2,617,930,535.24 30,341,814.90
6 2,500,000,000 $ 2,648,272,350.14 30,693,476.54
7 2,500,000,000 $ 2,678,965,826.68 31,049,213.93
8 2,500,000,000 $ 2,710,015,040.61 31,409,074.32
9 2,500,000,000 $ 2,741,424,114.93 31,773,105.49
10 2,500,000,000 $ 2,773,197,220.42 32,141,355.78
11 2,500,000,000 $ 2,805,338,576.21 32,513,874.10
12 2,500,000,000 $ 2,837,852,450.31 32,890,709.90
Intereses generados en el primer ao 370,743,160.20
1 2,500,000,000 $ 3,208,595,610.51 37,187,623.13
2 2,500,000,000 $ 3,245,783,233.64 37,618,627.68
3 2,500,000,000 $ 3,283,401,861.31 38,054,627.57
4 2,500,000,000 $ 3,321,456,488.89 38,495,680.71
5 2,500,000,000 $ 3,359,952,169.59 38,941,845.65
6 2,500,000,000 $ 3,398,894,015.24 39,393,181.64
7 2,500,000,000 $ 3,438,287,196.87 39,849,748.61
8 2,500,000,000 $ 3,478,136,945.49 40,311,607.20
9 2,500,000,000 $ 3,518,448,552.68 40,778,818.73
10 2,500,000,000 $ 3,559,227,371.41 41,251,445.23
11 2,500,000,000 $ 3,600,478,816.64 41,729,549.48
12 2,500,000,000 $ 3,642,208,366.13 42,213,194.96
Intereses generados en el segundo ao 475,825,950.58
1 2,500,000,000 $ 4,118,034,316.71 47,728,017.73
2 2,500,000,000 $ 4,165,762,334.44 48,281,185.46
3 2,500,000,000 $ 4,214,043,519.90 48,840,764.40
4 2,500,000,000 $ 4,262,884,284.29 49,406,828.85
5 2,500,000,000 $ 4,312,291,113.15 49,979,454.00
6 2,500,000,000 $ 4,362,270,567.15 50,558,715.87
7 2,500,000,000 $ 4,412,829,283.02 51,144,691.39
8 2,500,000,000 $ 4,463,973,974.41 51,737,458.36
9 2,500,000,000 $ 4,515,711,432.78 52,337,095.51
10 2,500,000,000 $ 4,568,048,528.28 52,943,682.44
11 2,500,000,000 $ 4,620,992,210.73 53,557,299.72
12 2,500,000,000 $ 4,674,549,510.45 54,178,028.83
Intereses generados en el tercer ao 610,693,222.56
1 250,000,000,000 $ 5,285,242,733.01 61,255,963
2 250,000,000,000 $ 5,346,498,696.29 61,965,920
3 250,000,000,000 $ 5,408,464,616.18 62,684,105
4 250,000,000,000 $ 5,471,148,721.08 63,410,614
5 250,000,000,000 $ 5,534,559,334.76 64,145,543
6 250,000,000,000 $ 5,598,704,877.45 64,888,990
7 250,000,000,000 $ 5,663,593,866.98 65,641,053
 8 250,000,000,000 $ 5,729,234,919.89 66,401,833
9 250,000,000,000 $ 5,795,636,752.62 67,171,430
10 250,000,000,000 $ 5,862,808,182.58 67,949,947
11 250,000,000,000 $ 5,930,758,129.42 68,737,487
12 250,000,000,000 $ 5,999,495,616.13 69,534,154
Intereses generados en el cuarto ao 783,787,037
Total intereses generados de los 48 meses 2,241,049,370.66

I. Aplicando la tasa de inters simple mensual del 1,25% de un crdito de $

2.500.000.000 a 60 meses que le presta la entidad E, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 60 meses?

Periodos Monto Interes Interes Generado

1 2,500,000,000 1.25% 31,250,000.00
2 2,500,000,000 1.25% 31,250,000.00
3 2,500,000,000 1.25% 31,250,000.00
4 2,500,000,000 1.25% 31,250,000.00
5 2,500,000,000 1.25% 31,250,000.00
6 2,500,000,000 1.25% 31,250,000.00
7 2,500,000,000 1.25% 31,250,000.00
8 2,500,000,000 1.25% 31,250,000.00
9 2,500,000,000 1.25% 31,250,000.00
10 2,500,000,000 1.25% 31,250,000.00
11 2,500,000,000 1.25% 31,250,000.00
12 2,500,000,000 1.25% 31,250,000.00
13 2,500,000,000 1.25% 31,250,000.00
14 2,500,000,000 1.25% 31,250,000.00
15 2,500,000,000 1.25% 31,250,000.00
16 2,500,000,000 1.25% 31,250,000.00
17 2,500,000,000 1.25% 31,250,000.00
18 2,500,000,000 1.25% 31,250,000.00
19 2,500,000,000 1.25% 31,250,000.00
20 2,500,000,000 1.25% 31,250,000.00
21 2,500,000,000 1.25% 31,250,000.00
22 2,500,000,000 1.25% 31,250,000.00
23 2,500,000,000 1.25% 31,250,000.00
24 2,500,000,000 1.25% 31,250,000.00
25 2,500,000,000 1.25% 31,250,000.00
26 2,500,000,000 1.25% 31,250,000.00
27 2,500,000,000 1.25% 31,250,000.00
28 2,500,000,000 1.25% 31,250,000.00
29 2,500,000,000 1.25% 31,250,000.00
30 2,500,000,000 1.25% 31,250,000.00
31 2,500,000,000 1.25% 31,250,000.00
 32 2,500,000,000 1.25% 31,250,000.00
33 2,500,000,000 1.25% 31,250,000.00
34 2,500,000,000 1.25% 31,250,000.00
35 2,500,000,000 1.25% 31,250,000.00
36 2,500,000,000 1.25% 31,250,000.00
37 2,500,000,000 1.25% 31,250,000.00
38 2,500,000,000 1.25% 31,250,000.00
39 2,500,000,000 1.25% 31,250,000.00
40 2,500,000,000 1.25% 31,250,000.00
41 2,500,000,000 1.25% 31,250,000.00
42 2,500,000,000 1.25% 31,250,000.00
43 2,500,000,000 1.25% 31,250,000.00
44 2,500,000,000 1.25% 31,250,000.00
45 2,500,000,000 1.25% 31,250,000.00
46 2,500,000,000 1.25% 31,250,000.00
47 2,500,000,000 1.25% 31,250,000.00
48 2,500,000,000 1.25% 31,250,000.00
49 2,500,000,000 1.25% 31,250,000.00
50 2,500,000,000 1.25% 31,250,000.00
51 2,500,000,000 1.25% 31,250,000.00
52 2,500,000,000 1.25% 31,250,000.00
53 2,500,000,000 1.25% 31,250,000.00
54 2,500,000,000 1.25% 31,250,000.00
55 2,500,000,000 1.25% 31,250,000.00
56 2,500,000,000 1.25% 31,250,000.00
57 2,500,000,000 1.25% 31,250,000.00
58 2,500,000,000 1.25% 31,250,000.00
59 2,500,000,000 1.25% 31,250,000.00
60 2,500,000,000 1.25% 31,250,000.00
Total Intereses generados en los 60 meses 1,875,000,000.00

J. Aplicando la tasa de inters compuesto mensual del 1,25% de un crdito de $

2.500.000.000 a 60 meses que le presta la entidad E, cual es el valor de los intereses
que debe pagar la compaa ENRECOL S.A.S al trmino de los 60 meses?
Periodos Monto Capital al inicio del periodo Interes Generado

1 2,500,000,000 $ 2,500,000,000.00 31,250,000.00

2 2,500,000,000
3 2,500,000,000
4 2,500,000,000
5 2,500,000,000
6 2,500,000,000
7 2,500,000,000
$ 2,531,250,000.00 31,640,625.00
$ 2,562,890,625.00 32,036,132.81
$ 2,594,926,757.81 32,436,584.47
$ 2,627,363,342.29 32,842,041.78
$ 2,660,205,384.06 33,252,567.30
$ 2,693,457,951.36 33,668,224.39
 8 2,500,000,000 $ 2,727,126,175.76 34,089,077.20
9 2,500,000,000 $ 2,761,215,252.95 34,515,190.66
10 2,500,000,000 $ 2,795,730,443.62 34,946,630.55
11 2,500,000,000 $ 2,830,677,074.16 35,383,463.43
12 2,500,000,000 $ 2,866,060,537.59 35,825,756.72
Intereses generados en el primer ao 401,886,294.31
1 2,500,000,000 $ 3,267,946,831.90 40,849,335.40
2 2,500,000,000 $ 3,308,796,167.29 41,359,952.09
3 2,500,000,000 $ 3,350,156,119.39 41,876,951.49
4 2,500,000,000 $ 3,392,033,070.88 42,400,413.39
5 2,500,000,000 $ 3,434,433,484.26 42,930,418.55
6 2,500,000,000 $ 3,477,363,902.82 43,467,048.79
7 2,500,000,000 $ 3,520,830,951.60 44,010,386.90
8 2,500,000,000 $ 3,564,841,338.50 44,560,516.73
9 2,500,000,000 $ 3,609,401,855.23 45,117,523.19
10 2,500,000,000 $ 3,654,519,378.42 45,681,492.23
11 2,500,000,000 $ 3,700,200,870.65 46,252,510.88
12 2,500,000,000 $ 3,746,453,381.53 46,830,667.27
Intereses generados en el segundo ao 525,337,216.91
1 2,500,000,000 $ 4,271,790,598.44 53,397,382.48
2 2,500,000,000 $ 4,325,187,980.92 54,064,849.76
3 2,500,000,000 $ 4,379,252,830.68 54,740,660.38
4 2,500,000,000 $ 4,433,993,491.06 55,424,918.64
5 2,500,000,000 $ 4,489,418,409.70 56,117,730.12
6 2,500,000,000 $ 4,545,536,139.82 56,819,201.75
7 2,500,000,000 $ 4,602,355,341.57 57,529,441.77
8 2,500,000,000 $ 4,659,884,783.34 58,248,559.79
9 2,500,000,000 $ 4,718,133,343.13 58,976,666.79
10 2,500,000,000 $ 4,777,110,009.92 59,713,875.12
11 2,500,000,000 $ 4,836,823,885.04 60,460,298.56
12 2,500,000,000 $ 4,897,284,183.61 61,216,052.30
Intereses generados en el tercer ao 686,709,637.47
1 250,000,000,000 $ 5,583,993,821.07 69,799,923
2 250,000,000,000 $ 5,653,793,743.84 70,672,422
3 250,000,000,000 $ 5,724,466,165.63 71,555,827
4 250,000,000,000 $ 5,796,021,992.71 72,450,275
5 250,000,000,000 $ 5,868,472,267.61 73,355,903
6 250,000,000,000 $ 5,941,828,170.96 74,272,852
7 250,000,000,000 $ 6,016,101,023.10 75,201,263
8 250,000,000,000 $ 6,091,302,285.88 76,141,279
9 250,000,000,000 $ 6,167,443,564.46 77,093,045
10 250,000,000,000 $ 6,244,536,609.01 78,056,708
11 250,000,000,000 $ 6,322,593,316.63 79,032,416
12 250,000,000,000 $ 6,401,625,733.08 80,020,322
Intereses generados en el cuarto ao 897,652,234
 1 250,897,652,234 $ 7,299,277,966.76 91,240,975
2 4,144,700,208 $ 7,390,518,941.34 92,381,487
3 4,144,700,208 $ 7,482,900,428.11 93,536,255
4 4,144,700,208 $ 7,576,436,683.46 94,705,459
5 4,144,700,208 $ 7,671,142,142.01 95,889,277
6 4,144,700,208 $ 7,767,031,418.78 97,087,893
7 4,144,700,208 $ 7,864,119,311.52 98,301,491
8 4,144,700,208 $ 7,962,420,802.91 99,530,260
9 4,144,700,208 $ 8,061,951,062.95 100,774,388
10 4,144,700,208 $ 8,162,725,451.23 102,034,068
11 4,144,700,208 $ 8,264,759,519.37 103,309,494
12 4,144,700,208 $ 8,368,069,013.36 104,600,863
Intereses generados en cuarto ao 1,173,391,909
Intereses generados en los 6O meses 3,684,977,292
A. Qu tasa efectiva le liquida la entidad A, por un prstamo que se
pactara al 11,8% de inters anual convertible semestralmente?
Tasa 0.12
Periodos 2.00
Interea semestral 0.12
*Calculo realizado teniendo en cuenta el conversor de la
superintendencia financiera.

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

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

tasa 0.13
periodos 3.00
Interes cuatrimestral 13%

*Calculo realizado teniendo en cuenta el conversor de la

superintendencia financiera.

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

pactara al 13,15% de inters anual convertible trimestralmente?

tasa 0.13
periodos 4.00
Interes trimestral
*Calculo 14%
realizado teniendo en cuenta el conversor de la
superintendencia financiera.

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

pactara al 13,4% de inters anual convertible bimestralmente?
tasa 0.13
periodos 6.00
Interes bimestral
*Calculo 14%
realizado teniendo en cuenta el conversor de la
superintendencia financiera.

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

pactara al 14,5% de inters anual convertible bimensualmente?
tasa 0.15
periodos 24.00
Interes bimensual 15.55%
 2. La compaa ENRECOL S.A.S. desea conocer:

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

que se pactara al 11,5% de inters anual convertible
semestralmente?

Realizandolo en la pagina de la superintendencia financiera

semestralmente= 0,9112 mensual x 6meses = 5,4672 %

semestral

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

que se pactara al 12,7% de inters anual convertible
cuatrimestralmente?

Realizandolo en la pagina de la superintendencia financiera

cuatrimestral = 1,0013%mensual x 4 meses = 4,0052%

cuatrimestral

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

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

Realizandolo en la pagina de la superintendencia financiera

cuatrimestral = 1,0162%mensual x 3 meses = 3,0486%

trimestral

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

que se pactara al 13,2% de inters anual convertible
bimestralmente?

Realizandolo en la pagina de la superintendencia financiera

 cuatrimestral = 1,0386%mensual x 2 meses = 2,0772%
bimestral

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

que se pactara al 14,3% de inters anual convertible
bimensualmente?

Realizandolo en la pagina de la superintendencia financiera

cuatrimestral = 1,1200%mensual x 2 meses = 2,24% bimestral

 Item Propuesta del Tiempo Tipo de Tasa de
Monto
credito. (meses) tasa interes

A C. Hipotecario $ 2,500,000,000 12 Simple 0.97%

B C. Hipotecario $ 2,500,000,000 12 Compuesto 0.97%
C C. Hipotecario $ 2,500,000,000 24 Simple 1.076%
D C. Hipotecario $ 2,500,000,000 24 Compuesto 1.076%
E C. Hipotecario $ 2,500,000,000 36 Simple 1.0959%
F C. Hipotecario $ 2,500,000,000 36 Compuesto 1.0959%
G C. Hipotecario $ 2,500,000,000 48 Simple 1.1559%
H C. Hipotecario $ 2,500,000,000 48 Compuesto 1.159%
I C. Hipotecario $ 2,500,000,000 60 Simple 1.25%
J C. Hipotecario $ 2,500,000,000 60 Compuesto 1.25%

Segn lo observado la tasa de interes mas conveniente es la opcin A respecto a

A.Determine cul de las cinco (5) opciones de financiacin aplicando el inters simple
es la ms conveniente para que la compaa ENRECOL S.A.S, desarrolle su proyecto
de inversin, teniendo en cuenta el costo financiero que representa cada opcin de
financiamiento y el tiempo de duracin del crdito. Debe argumentar su respuesta y
porque.
las 4 opciones restantes de interes simple, pero como la compaa necesita un
mayor tiempo considero que la mejor opcin es la E, el interes es razonable y el
tiempo de 36 meses le permite a la empresa una mayor recuperacin. La
diferencia entre el interes de la opcin A y E es de 0,12% dicha diferencia justifica
el tiempo de 2 aos mas de tiempo.

Segn lo observado la tasa de interes mas conveniente es la opcin F respecto a

B.Determine cul de las cinco (5) opciones de financiacin aplicando el inters
compuesto es la ms conveniente para que la compaa ENRECOL S.A.S, desarrolle su
proyecto de inversin, teniendo en cuenta el costo financiero que representa cada
opcin de financiamiento y el tiempo de duracin del crdito. Debe argumentar su
respuesta y porque.
las 4 opciones restantes de interes compuesto, el interes y el tiempo se ajustarian
al proyecto, al igual que en el primer item el interes de la opcin b es bastante
tentativa pero el tiempo en meses no le permitiria a la empresa la recuperacin
necesaria y un nuevo ajuste de la tasa de interes pasado el ao podria resultar
menos beneficioso. La diferencia entre el interes de la opcin B y F es de 0,12%
dicha diferencia justifica el tiempo de 2 aos mas de tiempo.

C. Qu factores tuvo en cuenta diferente al costo de financiacin y tiempo de Diferente al costo y el tiempo tenemos el tipo de proyecto, el sector energetico
duracin del crdito, para escoger la mejor opcin de financiacin del proyecto de
posee una recuperacin rapida y solida frente a otro tipo de industrias.
inversin y porque desde el punto de vista de los inversionistas?

D. Cul considera es el factor o elemento ms importante a tener en cuenta al El factor mas importante es el factor tiempo, estamos hablando de un recurso
momento de analizar y evaluar alternativas de financiacin para emprender limitado y en proyectos de inversin es lo que mas importa, el tiempo representa
proyectos de inversin y porque? dinero.
 Valor de los intereses
generados

291,000,000.00
307,037,947.62
645,600,000.00
809,096,757.08
986,310,000.00
1,352,793,061.96
1,390,800,000.00
2,241,049,370.66
1,875,000,000.00
3,684,977,292

la tasa de interes mas conveniente es la opcin A respecto a

ntes de interes simple, pero como la compaa necesita un
dero que la mejor opcin es la E, el interes es razonable y el
s le permite a la empresa una mayor recuperacin. La
nteres de la opcin A y E es de 0,12% dicha diferencia justifica
mas de tiempo.

la tasa de interes mas conveniente es la opcin F respecto a

ntes de interes compuesto, el interes y el tiempo se ajustarian
que en el primer item el interes de la opcin b es bastante
mpo en meses no le permitiria a la empresa la recuperacin
o ajuste de la tasa de interes pasado el ao podria resultar
La diferencia entre el interes de la opcin B y F es de 0,12%
tifica el tiempo de 2 aos mas de tiempo.

el tiempo tenemos el tipo de proyecto, el sector energetico

cin rapida y solida frente a otro tipo de industrias.

ante es el factor tiempo, estamos hablando de un recurso

tos de inversin es lo que mas importa, el tiempo representa