Taller de Matematica Financiera

Areimys Florian Alvarado

Yeimis Crespo Fandiño

Datos Ejercicio No 1

PF PI(1+i)^t
PI PF/(1+i)^t

Interes Mensual i 3.00% % Interes Mensual i 3.00%

Tiempo t 24 meses Tiempo t 24
Pago Final PF 12,000,000 $ Pago Inicial PI 5,903,205
Pago Inicial PI $ Pago Final PF
Cuota C Cuota C

PI 5,903,205 PF 12,000,000

C 348,568.99 C 348,569.00
%
meses
$
$
 Sistema de Amortización Cuota Fija

Datos de entrada
Capital 5,903,205
Tasa anual 36%
Periodos 24

En primer lugar calculemos la tasa de interés periodica (tasa mensual) y la cuo

pagar que incluye tanto los intereses como el abono a capital) utilizando para e
función PAGO()
Tasa periodica 3.00%
Cuota a pagar 348,569

Abono a
Periodo Saldo inicial Intereses capital
1 5,903,205 177,096 171,473
2 5,731,732 171,952 176,617
3 5,555,115 166,653 181,916
4 5,373,200 161,196 187,373
5 5,185,827 155,575 192,994
6 4,992,832 149,785 198,784
7 4,794,048 143,821 204,748
8 4,589,301 - 3,000,000

9 1,589,301 47,679 138,636

10 1,450,665 43,520 142,795
11 1,307,871 39,236 147,078
12 1,160,792 34,824 151,491
13 1,009,301 30,279 156,035
14 853,266 25,598 160,717
15 692,549 20,776 165,538
16 527,011 15,810 170,504
17 356,507 10,695 175,619
18 180,888 5,427 180,888
ón Cuota Fija

Datos de entrada (mes 8)

Capital 1,589,301
Tasa anual 36%
Periodos 10

dica (tasa mensual) y la cuota (valor a

o a capital) utilizando para ello la

Tasa periodica 3.00%

Cuota a pagar 186,315

Cuota a pagar Saldo final

348,569 5,731,732
348,569 5,555,115
348,569 5,373,200
348,569 5,185,827
348,569 4,992,832
348,569 4,794,048
348,569 4,589,301
3,000,000 1,589,301

186,315 1,450,665
186,315 1,307,871
186,315 1,160,792
186,315 1,009,301
186,315 853,266
186,315 692,549
186,315 527,011
186,315 356,507
186,315 180,888
186,315 -
 Sistema de Amortización Cuota Fija

Datos de entrada Pago Total

Capital 250,000
Tasa anual 13%
Periodos 36
Tasa periodica 1.08%

Cada mes se le asignara un bono mensual de $250.000, lo que generara intere

dia del retiro del dinero. El pago del primer abono ganará intereses por 36 mes
abono ganará intereses por 35 meses y asi sucesivamente

Opcion 1

Abono Saldo inicial Periodos Saldo Final

1 250,000 35 364,523
2 250,000 34 360,616
3 250,000 33 356,751
4 250,000 32 352,928
5 250,000 31 349,145
6 250,000 30 345,403
7 250,000 29 341,702
8 250,000 28 338,040
9 250,000 27 334,417
10 250,000 26 330,833
11 250,000 25 327,287
12 250,000 24 323,779
13 250,000 23 320,309
14 250,000 22 316,877
15 250,000 21 313,481
16 250,000 20 310,121
17 250,000 19 306,797
18 250,000 18 303,509
19 250,000 17 300,257
20 250,000 16 297,039
21 250,000 15 293,855
22 250,000 14 290,706
23 250,000 13 287,590
24 250,000 12 284,508
25 250,000 11 281,459
26 250,000 10 278,443
27 250,000 9 275,458
28 250,000 8 272,506
29 250,000 7 269,586
30 250,000 6 266,697
31 250,000 5 263,838
32 250,000 4 261,011
33 250,000 3 258,213
34 250,000 2 255,446
35 250,000 1 252,708
36 250,000 - 250,000
Total 10,935,837
a Fija

10,935,837

ue generara intereses hasta el

reses por 36 meses, el segundo

Opcion 2

Abono Valor Saldo inicial Saldo Final

1 250,000 250,000 252,708
2 250,000 502,708 508,154
3 250,000 758,154 766,368
4 250,000 1,016,368 1,027,378
5 250,000 1,277,378 1,291,217
6 250,000 1,541,217 1,557,913
7 250,000 1,807,913 1,827,499
8 250,000 2,077,499 2,100,005
9 250,000 2,350,005 2,375,463
10 250,000 2,625,463 2,653,906
11 250,000 2,903,906 2,935,365
12 250,000 3,185,365 3,219,873
13 250,000 3,469,873 3,507,463
14 250,000 3,757,463 3,798,169
15 250,000 4,048,169 4,092,024
16 250,000 4,342,024 4,389,063
17 250,000 4,639,063 4,689,320
18 250,000 4,939,320 4,992,829
19 250,000 5,242,829 5,299,626
20 250,000 5,549,626 5,609,747
21 250,000 5,859,747 5,923,228
22 250,000 6,173,228 6,240,104
23 250,000 6,490,104 6,560,414
24 250,000 6,810,414 6,884,193
25 250,000 7,134,193 7,211,480
26 250,000 7,461,480 7,542,313
27 250,000 7,792,313 7,876,730
28 250,000 8,126,730 8,214,769
29 250,000 8,464,769 8,556,471
30 250,000 8,806,471 8,901,874
31 250,000 9,151,874 9,251,020
32 250,000 9,501,020 9,603,947
33 250,000 9,853,947 9,960,699
34 250,000 10,210,699 10,321,314
35 250,000 10,571,314 10,685,837
36 250,000 10,935,837
Ejercicio No 3
Interes Mensual i 1.89% %
Tiempo t 48 meses
Pago Final PF 21,600,000 $
Pago Inicial PI $
Anualidad A - 450,000

PI 48,792,207
Ejercicio No 4
Interes Mensual i 1.89% % Interes Mensual i 1.89% %
Tiempo t 60 meses Tiempo t 60 meses
Pago Final PF 65,400,000 $ Pago Inicial PI 13,850,890 $
Pago Inicial PI $ Pago Final PF $
Cuota C Cuota C

PI 21,250,890 13,850,890 PF 42,626,366

C 595,347.29 C 388,035.03