Anda di halaman 1dari 42

Con cuntos pagos anticipados de $623.

84, realizados cada principio de mes, se alcanza un mo


dinero rinde 2.97% mensual?
VF
interes
pagos
tiempo
No pagos

15000
2.97% mensual
623.84
23.32913792
24

Una empresa inmobiliaria solicita un prstamo para llevar a cabo la construccin de un con
conceder 3 millones, los cuales deber liquidar en un plazo de 2 aos, con 6 meses de gracia. S
tipo de prstamo es de 26.4% anual convertible mensualmente cul es el monto de cada uno
deber realizar la constructora?
VA
ti
tiempo
valor futuro

3000000
26.40% cap men
6 meses
3,418,429.51 en el mes 6

valor presente
ti
No per
pago

3,418,429.51
0.022
2 aos
180,877.46

Juan Gabriel decide adquirir 4 llantas nuevas para su camioneta. La llantera le ofrece una pro
distinguidos, por la cual paga el importe de las mismas mediante 6 abonos mensuales, iniciando
compra. Cul es el importe de los pagos si el precio al contado de las llantas es de $11 600 y
mensual?
Valor presente
nper
ti
11,602.26 en el mes 3

11600
3 meses
1.40% mensual

VP
TIEMPO
inters
Pago

11,640.65
6 meses
0.001166667
$1,948.04

Una
Unadeuda
deudade
de$7
$7 250 se debe pagar en un ao mediante pagos trimestrales iguales vencidos. Si
anual convertible trimestralmente:
a) Determine el importe de cada pago
b) Construya una tabla de amortizacin

No pagos
ti
VP

4
36% cap trim
7250

pagos

2,237.85

periodo

saldo inicial
0
1
2
3
4

abono a cap
7,250.00
7,250.00
5,664.65
3,936.62
2,053.07

1,585.35
1,728.03
1,883.55
2,053.07

Una pareja de recin casados adquiere una casa en condominio que cuesta $160 000. Paga un
pagar el resto mediante 24 mensualidades iguales con 24% de inters convertible mensualmen
amortizacin

No pagos
ti
Vp
pagos
saldo inicial
abono a cap
110,000
110,000
106,384
102,696
98,934
95,097

24
0.24 cap men
110000
5815.82
intereses
3,616
3,688
3,762
3,837
3,914

2,200
2,128
2,054
1,979
1,902

91,183
87,191
83,119
78,966
74,729
70,408
66,000
61,504
56,919
52,241
47,470
42,604
37,640
32,577
27,413
22,145
16,772
11,292
5,702

3,992
4,072
4,153
4,237
4,321
4,408
4,496
4,586
4,677
4,771
4,866
4,964
5,063
5,164
5,268
5,373
5,480
5,590
5,702

1,824
1,744
1,662
1,579
1,495
1,408
1,320
1,230
1,138
1,045
949
852
753
652
548
443
335
226
114

rincipio de mes, se alcanza un monto de $15 000, si el


% mensual?

0.002475

r a cabo la construccin de un conjunto habitacional. El banco le


e 2 aos, con 6 meses de gracia. Si la tasa de inters aplicable a este
nte cul es el monto de cada uno de los 18 pagos mensuales que
ar la constructora?

2.20% mensual

24 meses

oneta. La llantera le ofrece una promocin exclusiva para clientes


nte 6 abonos mensuales, iniciando los pagos 3 meses despus de la
ado de las llantas es de $11 600 y la llantera cobra 1.4% de inters
ensual?

0.00116667 mensual

os trimestrales iguales vencidos. Si el inters pactado es de 36%

9% trimestral

intereses
652.50
509.82
354.30
184.78

pago
2,237.85
2,237.85
2,237.85
2,237.85

saldo final
7,250.00
5,664.65
3,936.62
2,053.07
0.00

nio que cuesta $160 000. Paga un enganche de $50 000 y acuerda
e inters convertible mensualmente. Construya la tabla de

0.02 mensual

pago
5,816
5,816
5,816
5,816
5,816

saldo final
110,000
106,384
102,696
98,934
95,097
91,183

5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816
5,816

87,191
83,119
78,966
74,729
70,408
66,000
61,504
56,919
52,241
47,470
42,604
37,640
32,577
27,413
22,145
16,772
11,292
5,702
-

6.-Una persona adquiere un automvil que cuesta $135 000. Paga $40 500 en efectivo y el resto con un prsta
social otorgado por una institucin de seguridad estatal que le cobra 0.4% quincenal de inters. Construya una
amortizacin si lo acordado fue liquidar el saldo en 5 aos mediante pagos quincenales vencidos.

Precio de contado
Enganche
Resta por pagar

135,000.00
40,500
94,500.00

Valor presente
Tiempo
Inters
Valor del pago

94,500.00
5 aos
0.4% quincenal
$795.47

Periodo
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Saldo Inicial
94,500.00
94,500.00
93,720.28
92,940.44
92,160.46
91,380.35
90,600.12
89,819.75
89,039.25
88,258.63
87,477.87
86,696.98
85,915.96
85,134.82
84,353.54
83,572.13
82,790.59
82,008.92
81,227.12
80,445.20
79,663.14
78,880.95
78,098.63
77,316.18
76,533.60
75,750.88
74,968.04
74,185.07
73,401.97
72,618.73
71,835.37

120 quincenas
0.01667% quincenal cap quincenal

Abono a Capital
0
$779.72
$779.85
$779.98
$780.11
$780.24
$780.37
$780.50
$780.63
$780.76
$780.89
$781.02
$781.15
$781.28
$781.41
$781.54
$781.67
$781.80
$781.93
$782.06
$782.19
$782.32
$782.45
$782.58
$782.71
$782.84
$782.97
$783.10
$783.23
$783.36
$783.49

Intereses
0
$15.75
$15.62
$15.49
$15.36
$15.23
$15.10
$14.97
$14.84
$14.71
$14.58
$14.45
$14.32
$14.19
$14.06
$13.93
$13.80
$13.67
$13.54
$13.41
$13.28
$13.15
$13.02
$12.89
$12.76
$12.63
$12.49
$12.36
$12.23
$12.10
$11.97

Pago
0
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47

31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77

71,051.88
70,268.25
69,484.50
68,700.61
67,916.59
67,132.45
66,348.17
65,563.76
64,779.22
63,994.55
63,209.75
62,424.82
61,639.75
60,854.56
60,069.23
59,283.78
58,498.19
57,712.48
56,926.63
56,140.65
55,354.54
54,568.30
53,781.93
52,995.42
52,208.79
51,422.02
50,635.13
49,848.10
49,060.94
48,273.65
47,486.23
46,698.68
45,910.99
45,123.18
44,335.23
43,547.15
42,758.94
41,970.60
41,182.13
40,393.53
39,604.79
38,815.93
38,026.93
37,237.80
36,448.54
35,659.15
34,869.63

$783.62
$783.76
$783.89
$784.02
$784.15
$784.28
$784.41
$784.54
$784.67
$784.80
$784.93
$785.06
$785.19
$785.32
$785.46
$785.59
$785.72
$785.85
$785.98
$786.11
$786.24
$786.37
$786.50
$786.63
$786.77
$786.90
$787.03
$787.16
$787.29
$787.42
$787.55
$787.68
$787.82
$787.95
$788.08
$788.21
$788.34
$788.47
$788.60
$788.73
$788.87
$789.00
$789.13
$789.26
$789.39
$789.52
$789.66

$11.84
$11.71
$11.58
$11.45
$11.32
$11.19
$11.06
$10.93
$10.80
$10.67
$10.53
$10.40
$10.27
$10.14
$10.01
$9.88
$9.75
$9.62
$9.49
$9.36
$9.23
$9.09
$8.96
$8.83
$8.70
$8.57
$8.44
$8.31
$8.18
$8.05
$7.91
$7.78
$7.65
$7.52
$7.39
$7.26
$7.13
$7.00
$6.86
$6.73
$6.60
$6.47
$6.34
$6.21
$6.07
$5.94
$5.81

$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47

78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120

34,079.97
33,290.18
32,500.26
31,710.21
30,920.03
30,129.72
29,339.27
28,548.70
27,757.99
26,967.15
26,176.17
25,385.07
24,593.83
23,802.47
23,010.97
22,219.34
21,427.57
20,635.68
19,843.65
19,051.49
18,259.20
17,466.77
16,674.22
15,881.53
15,088.71
14,295.76
13,502.67
12,709.46
11,916.11
11,122.63
10,329.01
9,535.27
8,741.39
7,947.38
7,153.24
6,358.96
5,564.56
4,770.02
3,975.35
3,180.54
2,385.61
1,590.54
795.33

$789.79
$789.92
$790.05
$790.18
$790.31
$790.45
$790.58
$790.71
$790.84
$790.97
$791.10
$791.24
$791.37
$791.50
$791.63
$791.76
$791.90
$792.03
$792.16
$792.29
$792.42
$792.56
$792.69
$792.82
$792.95
$793.08
$793.22
$793.35
$793.48
$793.61
$793.75
$793.88
$794.01
$794.14
$794.27
$794.41
$794.54
$794.67
$794.80
$794.94
$795.07
$795.20
$795.33

$5.68
$5.55
$5.42
$5.29
$5.15
$5.02
$4.89
$4.76
$4.63
$4.49
$4.36
$4.23
$4.10
$3.97
$3.84
$3.70
$3.57
$3.44
$3.31
$3.18
$3.04
$2.91
$2.78
$2.65
$2.51
$2.38
$2.25
$2.12
$1.99
$1.85
$1.72
$1.59
$1.46
$1.32
$1.19
$1.06
$0.93
$0.80
$0.66
$0.53
$0.40
$0.27
$0.13

$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47
$795.47

7. Calcular el valor descontado de una perpetuidad simple ordinaria que paga $400 anuales, si el inters es
de 8%.

Pago
Inters
Valor presente

400 anuales
8% anual
5,000.00

8. Suponiendo que una granja producir $15000 anuales por tiempo indefinido, cul es el precio justo para el
la tasa de inters es del 15%?
Inters
Pago
Valor presente

15% anual
15000 anuales
$ 100,000.00

0.0125

9. Una pareja ha comprado una casa que vale $ 1 160 000 pagando $ 16 000 de enganche y negociando una h
del 8% anual convertible mensual, para amortizarla en 25 aos con pagos mensuales iguales. a) Calcular el p
Construir la tabla de amortizacin.
Valor de contado
Enganche
Valor presente

1160000
16000
1144000

Inters
Tiempo
PAGO

0.08 anual cap mensual


25 aos
8829.58
Periodo

Saldo Inicial

1 $1,144,000.00
2
1144000.00
3
1142797.09
4
1141586.16
5
1140367.16
6
1139140.03
7
1137904.72
8
1136661.17
9
1135409.33
10
1134149.15
11
1132880.57
12
1131603.53
13
1130317.97
14
1129023.85
15
1127721.10
16
1126409.66
17
1125089.48
18
1123760.50
19
1122422.66

Abono a Capital

1202.91
1210.93
1219.00
1227.13
1235.31
1243.55
1251.84
1260.18
1268.58
1277.04
1285.55
1294.12
1302.75
1311.44
1320.18
1328.98
1337.84
1346.76

0.006666667
300

Intereses

7626.67
7618.65
7610.57
7602.45
7594.27
7586.03
7577.74
7569.40
7560.99
7552.54
7544.02
7535.45
7526.83
7518.14
7509.40
7500.60
7491.74
7482.82

Pago

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66

1121075.90
1119720.16
1118355.38
1116981.51
1115598.47
1114206.22
1112804.68
1111393.80
1109973.52
1108543.76
1107104.48
1105655.60
1104197.06
1102728.79
1101250.74
1099762.84
1098265.01
1096757.20
1095239.34
1093711.35
1092173.19
1090624.76
1089066.02
1087496.88
1085917.28
1084327.15
1082726.42
1081115.02
1079492.88
1077859.92
1076216.07
1074561.27
1072895.43
1071218.49
1069530.37
1067831.00
1066120.29
1064398.18
1062664.59
1060919.45
1059162.67
1057394.17
1055613.89
1053821.74
1052017.64
1050201.51
1048373.28

1355.74
1364.78
1373.87
1383.03
1392.25
1401.54
1410.88
1420.29
1429.75
1439.29
1448.88
1458.54
1468.26
1478.05
1487.91
1497.83
1507.81
1517.86
1527.98
1538.17
1548.42
1558.75
1569.14
1579.60
1590.13
1600.73
1611.40
1622.14
1632.96
1643.84
1654.80
1665.84
1676.94
1688.12
1699.38
1710.70
1722.11
1733.59
1745.15
1756.78
1768.49
1780.28
1792.15
1804.10
1816.13
1828.23
1840.42

7473.84
7464.80
7455.70
7446.54
7437.32
7428.04
7418.70
7409.29
7399.82
7390.29
7380.70
7371.04
7361.31
7351.53
7341.67
7331.75
7321.77
7311.71
7301.60
7291.41
7281.15
7270.83
7260.44
7249.98
7239.45
7228.85
7218.18
7207.43
7196.62
7185.73
7174.77
7163.74
7152.64
7141.46
7130.20
7118.87
7107.47
7095.99
7084.43
7072.80
7061.08
7049.29
7037.43
7025.48
7013.45
7001.34
6989.16

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113

1046532.86
1044680.16
1042815.12
1040937.64
1039047.65
1037145.06
1035229.78
1033301.73
1031360.84
1029407.00
1027440.13
1025460.16
1023466.98
1021460.52
1019440.67
1017407.37
1015360.51
1013300.00
1011225.75
1009137.68
1007035.69
1004919.68
1002789.57
1000645.26
998486.65
996313.65
994126.16
991924.09
989707.34
987475.81
985229.41
982968.02
980691.57
978399.93
976093.02
973770.73
971432.96
969079.60
966710.55
964325.71
961924.97
959508.23
957075.37
954626.30
952160.90
949679.06
947180.67

1852.69
1865.04
1877.48
1889.99
1902.59
1915.28
1928.05
1940.90
1953.84
1966.86
1979.98
1993.18
2006.46
2019.84
2033.31
2046.86
2060.51
2074.24
2088.07
2101.99
2116.01
2130.11
2144.31
2158.61
2173.00
2187.49
2202.07
2216.75
2231.53
2246.41
2261.38
2276.46
2291.63
2306.91
2322.29
2337.77
2353.36
2369.05
2384.84
2400.74
2416.74
2432.86
2449.08
2465.40
2481.84
2498.38
2515.04

6976.89
6964.53
6952.10
6939.58
6926.98
6914.30
6901.53
6888.68
6875.74
6862.71
6849.60
6836.40
6823.11
6809.74
6796.27
6782.72
6769.07
6755.33
6741.51
6727.58
6713.57
6699.46
6685.26
6670.97
6656.58
6642.09
6627.51
6612.83
6598.05
6583.17
6568.20
6553.12
6537.94
6522.67
6507.29
6491.80
6476.22
6460.53
6444.74
6428.84
6412.83
6396.72
6380.50
6364.18
6347.74
6331.19
6314.54

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160

944665.63
942133.83
939585.14
937019.47
934436.68
931836.69
929219.35
926584.57
923932.22
921262.19
918574.36
915868.62
913144.83
910402.88
907642.66
904864.03
902066.88
899251.08
896416.51
893563.05
890690.55
887798.91
884888.00
881957.67
879007.81
876038.29
873048.96
870039.71
867010.40
863960.89
860891.05
857800.75
854689.84
851558.20
848405.68
845232.14
842037.44
838821.45
835584.01
832324.99
829044.25
825741.63
822417.00
819070.20
815701.09
812309.52
808895.34

2531.81
2548.69
2565.68
2582.78
2600.00
2617.33
2634.78
2652.35
2670.03
2687.83
2705.75
2723.79
2741.95
2760.22
2778.63
2797.15
2815.80
2834.57
2853.47
2872.49
2891.64
2910.92
2930.32
2949.86
2969.53
2989.32
3009.25
3029.31
3049.51
3069.84
3090.30
3110.91
3131.65
3152.52
3173.54
3194.70
3215.99
3237.43
3259.02
3280.74
3302.62
3324.63
3346.80
3369.11
3391.57
3414.18
3436.94

6297.77
6280.89
6263.90
6246.80
6229.58
6212.24
6194.80
6177.23
6159.55
6141.75
6123.83
6105.79
6087.63
6069.35
6050.95
6032.43
6013.78
5995.01
5976.11
5957.09
5937.94
5918.66
5899.25
5879.72
5860.05
5840.26
5820.33
5800.26
5780.07
5759.74
5739.27
5718.67
5697.93
5677.05
5656.04
5634.88
5613.58
5592.14
5570.56
5548.83
5526.96
5504.94
5482.78
5460.47
5438.01
5415.40
5392.64

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207

805458.40
801998.54
798515.62
795009.48
791479.97
787926.93
784350.19
780749.62
777125.04
773476.29
769803.22
766105.67
762383.46
758636.44
754864.44
751067.29
747244.83
743396.88
739523.29
735623.86
731698.45
727746.86
723768.93
719764.47
715733.33
711675.30
707590.23
703477.92
699338.19
695170.87
690975.77
686752.69
682501.47
678221.90
673913.80
669576.98
665211.25
660816.42
656392.28
651938.65
647455.33
642942.12
638398.83
633825.24
629221.17
624586.40
619920.73

3459.85
3482.92
3506.14
3529.51
3553.04
3576.73
3600.58
3624.58
3648.74
3673.07
3697.56
3722.21
3747.02
3772.00
3797.15
3822.46
3847.95
3873.60
3899.42
3925.42
3951.59
3977.93
4004.45
4031.15
4058.02
4085.08
4112.31
4139.72
4167.32
4195.11
4223.07
4251.23
4279.57
4308.10
4336.82
4365.73
4394.84
4424.13
4453.63
4483.32
4513.21
4543.30
4573.59
4604.08
4634.77
4665.67
4696.77

5369.72
5346.66
5323.44
5300.06
5276.53
5252.85
5229.00
5205.00
5180.83
5156.51
5132.02
5107.37
5082.56
5057.58
5032.43
5007.12
4981.63
4955.98
4930.16
4904.16
4877.99
4851.65
4825.13
4798.43
4771.56
4744.50
4717.27
4689.85
4662.25
4634.47
4606.51
4578.35
4550.01
4521.48
4492.76
4463.85
4434.74
4405.44
4375.95
4346.26
4316.37
4286.28
4255.99
4225.50
4194.81
4163.91
4132.80

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254

615223.96
610495.87
605736.27
600944.93
596121.65
591266.22
586378.42
581458.03
576504.84
571518.63
566499.17
561446.26
556359.65
551239.14
546084.49
540895.48
535671.87
530413.44
525119.95
519791.17
514426.87
509026.80
503590.74
498118.43
492609.64
487064.13
481481.65
475861.95
470204.78
464509.90
458777.06
453005.99
447196.46
441348.19
435460.93
429534.43
423568.41
417562.62
411516.80
405430.67
399303.96
393136.41
386927.74
380677.68
374385.95
368052.28
361676.39

4728.08
4759.61
4791.34
4823.28
4855.43
4887.80
4920.39
4953.19
4986.21
5019.45
5052.92
5086.60
5120.51
5154.65
5189.01
5223.61
5258.43
5293.49
5328.78
5364.30
5400.07
5436.07
5472.31
5508.79
5545.51
5582.48
5619.70
5657.16
5694.88
5732.84
5771.06
5809.54
5848.27
5887.26
5926.50
5966.01
6005.79
6045.83
6086.13
6126.71
6167.55
6208.67
6250.06
6291.73
6333.67
6375.90
6418.40

4101.49
4069.97
4038.24
4006.30
3974.14
3941.77
3909.19
3876.39
3843.37
3810.12
3776.66
3742.98
3709.06
3674.93
3640.56
3605.97
3571.15
3536.09
3500.80
3465.27
3429.51
3393.51
3357.27
3320.79
3284.06
3247.09
3209.88
3172.41
3134.70
3096.73
3058.51
3020.04
2981.31
2942.32
2903.07
2863.56
2823.79
2783.75
2743.45
2702.87
2662.03
2620.91
2579.52
2537.85
2495.91
2453.68
2411.18

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301

355257.99
348796.79
342292.53
335744.90
329153.62
322518.40
315838.95
309114.96
302346.15
295532.22
288672.85
281767.76
274816.64
267819.17
260775.05
253683.98
246545.62
239359.68
232125.84
224843.77
217513.15
210133.66
202704.97
195226.76
187698.69
180120.44
172491.67
164812.03
157081.20
149298.83
141464.58
133578.10
125639.04
117647.06
109601.80
101502.90
93350.01
85142.76
76880.80
68563.76
60191.28
51762.97
43278.48
34737.43
26139.43
17484.12
8771.10

6461.19
6504.27
6547.63
6591.28
6635.22
6679.45
6723.98
6768.81
6813.94
6859.36
6905.09
6951.13
6997.47
7044.12
7091.08
7138.35
7185.94
7233.85
7282.07
7330.62
7379.49
7428.69
7478.21
7528.07
7578.25
7628.77
7679.63
7730.83
7782.37
7834.25
7886.48
7939.06
7991.98
8045.26
8098.90
8152.89
8207.24
8261.96
8317.04
8372.49
8428.30
8484.49
8541.05
8597.99
8655.31
8713.02
8771.10

2368.39
2325.31
2281.95
2238.30
2194.36
2150.12
2105.59
2060.77
2015.64
1970.21
1924.49
1878.45
1832.11
1785.46
1738.50
1691.23
1643.64
1595.73
1547.51
1498.96
1450.09
1400.89
1351.37
1301.51
1251.32
1200.80
1149.94
1098.75
1047.21
995.33
943.10
890.52
837.59
784.31
730.68
676.69
622.33
567.62
512.54
457.09
401.28
345.09
288.52
231.58
174.26
116.56
58.47

8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58
8829.58

10. Una persona compra un departamento que cuesta $230 000 de contado. Da un anticipo del 25% y el saldo
a liquidar en 15 aos mediante abonos mensuales. Calcule el pago mensual y el inters total a pagar, si la tasa
inters es del 16% capitalizable cada mes.
Precio de contado
Enganche
Valor actual
Tiempo
Inters
Pago

230000
57500
172500
15 aos
0.16 anual cap. Mensual
2533.508779

Periodo

Saldo Inicial

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

172500
172500
172266.4912
172029.869
171790.0918
171547.1176
171300.9037
171051.407
170798.5836
170542.3893
170282.779
170019.7073
169753.128
169482.9942
169209.2587
168931.8734
168650.7896
168365.958
168077.3286
167784.8509
167488.4735
167188.1443
166883.8108
166575.4195
166262.9163
165946.2464
165625.3543
165300.1836
164970.6772
164636.7775
164298.4257
163955.5626

Abono a Capital

233.51
236.62
239.78
242.97
246.21
249.50
252.82
256.19
259.61
263.07
266.58
270.13
273.74
277.39
281.08
284.83
288.63
292.48
296.38
300.33
304.33
308.39
312.50
316.67
320.89
325.17
329.51
333.90
338.35
342.86
347.43

180 meses
0.013333333 mensual cap mensual

Intereses

2300.00
2296.89
2293.73
2290.53
2287.29
2284.01
2280.69
2277.31
2273.90
2270.44
2266.93
2263.38
2259.77
2256.12
2252.42
2248.68
2244.88
2241.03
2237.13
2233.18
2229.18
2225.12
2221.01
2216.84
2212.62
2208.34
2204.00
2199.61
2195.16
2190.65
2186.07

Pago

2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78

163608.128
163256.0609
162899.2996
162537.7815
162171.4432
161800.2203
161424.0478
161042.8596
160656.589
160265.1681
159868.5282
159466.5998
159059.3123
158646.5944
158228.3735
157804.5764
157375.1286
156939.9549
156498.9789
156052.1231
155599.3093
155140.458
154675.4887
154204.3197
153726.8686
153243.0514
152752.7833
152255.9783
151752.5492
151242.4077
150725.4644
150201.6285
149670.8081
149132.9101
148587.8401
148035.5025
147475.8004
146908.6357
146333.9087
145751.5187
145161.3635
144563.3396
143957.342
143343.2644
142720.9992
142090.437
141451.4674

352.07
356.76
361.52
366.34
371.22
376.17
381.19
386.27
391.42
396.64
401.93
407.29
412.72
418.22
423.80
429.45
435.17
440.98
446.86
452.81
458.85
464.97
471.17
477.45
483.82
490.27
496.81
503.43
510.14
516.94
523.84
530.82
537.90
545.07
552.34
559.70
567.16
574.73
582.39
590.16
598.02
606.00
614.08
622.27
630.56
638.97
647.49

2181.44
2176.75
2171.99
2167.17
2162.29
2157.34
2152.32
2147.24
2142.09
2136.87
2131.58
2126.22
2120.79
2115.29
2109.71
2104.06
2098.34
2092.53
2086.65
2080.69
2074.66
2068.54
2062.34
2056.06
2049.69
2043.24
2036.70
2030.08
2023.37
2016.57
2009.67
2002.69
1995.61
1988.44
1981.17
1973.81
1966.34
1958.78
1951.12
1943.35
1935.48
1927.51
1919.43
1911.24
1902.95
1894.54
1886.02

2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51

79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125

140803.9782
140147.8558
139482.9851
138809.2495
138126.5307
137434.709
136733.663
136023.2697
135303.4045
134573.9411
133834.7516
133085.7061
132326.6735
131557.5203
130778.1118
129988.3112
129187.9799
128376.9775
127555.1618
126722.3885
125878.5115
125023.3829
124156.8526
123278.7685
122388.9766
121487.3209
120573.643
119647.7828
118709.5778
117758.8634
116795.4728
115819.237
114829.9847
113827.5424
112811.7342
111782.3819
110739.3048
109682.3201
108611.2423
107525.8834
106426.0531
105311.5583
104182.2037
103037.7909
101878.1194
100702.9855
99512.18321

656.12
664.87
673.74
682.72
691.82
701.05
710.39
719.87
729.46
739.19
749.05
759.03
769.15
779.41
789.80
800.33
811.00
821.82
832.77
843.88
855.13
866.53
878.08
889.79
901.66
913.68
925.86
938.21
950.71
963.39
976.24
989.25
1002.44
1015.81
1029.35
1043.08
1056.98
1071.08
1085.36
1099.83
1114.49
1129.35
1144.41
1159.67
1175.13
1190.80
1206.68

1877.39
1868.64
1859.77
1850.79
1841.69
1832.46
1823.12
1813.64
1804.05
1794.32
1784.46
1774.48
1764.36
1754.10
1743.71
1733.18
1722.51
1711.69
1700.74
1689.63
1678.38
1666.98
1655.42
1643.72
1631.85
1619.83
1607.65
1595.30
1582.79
1570.12
1557.27
1544.26
1531.07
1517.70
1504.16
1490.43
1476.52
1462.43
1448.15
1433.68
1419.01
1404.15
1389.10
1373.84
1358.37
1342.71
1326.83

2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51

126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172

98305.50354
97082.73481
95843.66249
94588.06921
93315.73469
92026.43571
90719.94607
89396.03657
88054.47495
86695.02583
85317.45073
83921.50796
82506.95262
81073.53655
79621.00825
78149.11292
76657.59231
75146.18476
73614.62511
72062.64467
70489.97115
68896.32865
67281.43759
65645.01465
63986.77273
62306.42092
60603.66442
58878.2045
57129.73845
55357.95951
53562.55686
51743.21551
49899.61627
48031.4357
46138.34607
44220.01524
42276.10666
40306.2793
38310.18758
36287.4813
34237.80561
32160.8009
30056.1028
27923.34206
25762.14451
23572.13099
21352.91729

1222.77
1239.07
1255.59
1272.33
1289.30
1306.49
1323.91
1341.56
1359.45
1377.58
1395.94
1414.56
1433.42
1452.53
1471.90
1491.52
1511.41
1531.56
1551.98
1572.67
1593.64
1614.89
1636.42
1658.24
1680.35
1702.76
1725.46
1748.47
1771.78
1795.40
1819.34
1843.60
1868.18
1893.09
1918.33
1943.91
1969.83
1996.09
2022.71
2049.68
2077.00
2104.70
2132.76
2161.20
2190.01
2219.21
2248.80

1310.74
1294.44
1277.92
1261.17
1244.21
1227.02
1209.60
1191.95
1174.06
1155.93
1137.57
1118.95
1100.09
1080.98
1061.61
1041.99
1022.10
1001.95
981.53
960.84
939.87
918.62
897.09
875.27
853.16
830.75
808.05
785.04
761.73
738.11
714.17
689.91
665.33
640.42
615.18
589.60
563.68
537.42
510.80
483.83
456.50
428.81
400.75
372.31
343.50
314.30
284.71

2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51

173
174
175
176
177
178
179
180

19104.11407
16825.32681
14516.15573
12176.19569
9805.036187
7402.261223
4967.44926
2500.173137

2278.79
2309.17
2339.96
2371.16
2402.77
2434.81
2467.28
2500.17

254.72
224.34
193.55
162.35
130.73
98.70
66.23
33.34

2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51
2533.51

11. Una casa se vende en $725 000, precio de contado. Una familia la compra a crdito dando 30% de enganc
el resto a mensualidades de $7 500 que incluyen un inters del 1.4% mensual. Cuntos depsitos completos d
000 debern hacerse y cul ser el valor del depsito complementario? Construya la tabla de amortizacin
Precio de contado
Enganche
Valor presente
Inters
Pago
Nm. Periodos
Numero de pagos

725000
217500
507500
0.014 mensual
5000
108.0936449
109

Periodo

Saldo Inicial

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22

507500
507500.00
503092.08
498679.02
494260.82
489837.45
485408.93
480975.24
476536.38
472092.34
467643.11
463188.70
458729.08
454264.27
449794.24
445319.00
440838.54
436352.85
431861.93
427365.77
422864.36
418357.70
413845.79

0.001166667 mens. Cap mensual

Abono a Capital

4407.92
4413.06
4418.21
4423.36
4428.52
4433.69
4438.86
4444.04
4449.23
4454.42
4459.61
4464.82
4470.03
4475.24
4480.46
4485.69
4490.92
4496.16
4501.41
4506.66
4511.92
4517.18

Intereses

592.08
586.94
581.79
576.64
571.48
566.31
561.14
555.96
550.77
545.58
540.39
535.18
529.97
524.76
519.54
514.31
509.08
503.84
498.59
493.34
488.08
482.82

Pago

5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00

23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69

409328.61
404806.16
400278.43
395745.42
391207.13
386663.54
382114.64
377560.44
373000.93
368436.10
363865.94
359290.45
354709.62
350123.45
345531.93
340935.05
336332.81
331725.19
327112.21
322493.84
317870.08
313240.93
308606.38
303966.42
299321.05
294670.25
290014.04
285352.39
280685.30
276012.76
271334.78
266651.33
261962.43
257268.05
252568.20
247862.86
243152.03
238435.71
233713.89
228986.55
224253.70
219515.33
214771.43
210022.00
205267.03
200506.50
195740.43

4522.45
4527.73
4533.01
4538.30
4543.59
4548.89
4554.20
4559.51
4564.83
4570.16
4575.49
4580.83
4586.17
4591.52
4596.88
4602.24
4607.61
4612.99
4618.37
4623.76
4629.15
4634.55
4639.96
4645.37
4650.79
4656.22
4661.65
4667.09
4672.53
4677.99
4683.44
4688.91
4694.38
4699.85
4705.34
4710.83
4716.32
4721.83
4727.33
4732.85
4738.37
4743.90
4749.43
4754.97
4760.52
4766.08
4771.64

477.55
472.27
466.99
461.70
456.41
451.11
445.80
440.49
435.17
429.84
424.51
419.17
413.83
408.48
403.12
397.76
392.39
387.01
381.63
376.24
370.85
365.45
360.04
354.63
349.21
343.78
338.35
332.91
327.47
322.01
316.56
311.09
305.62
300.15
294.66
289.17
283.68
278.17
272.67
267.15
261.63
256.10
250.57
245.03
239.48
233.92
228.36

5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00

70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109

190968.79
186191.59
181408.81
176620.46
171826.51
167026.98
162221.84
157411.10
152594.75
147772.77
142945.18
138111.95
133273.08
128428.56
123578.39
118722.57
113861.08
108993.92
104121.08
99242.55
94358.33
89468.42
84572.80
79671.47
74764.42
69851.64
64933.14
60008.89
55078.90
50143.16
45201.66
40254.40
35301.36
30342.54
25377.94
20407.55
15431.36
10449.36
5461.55
467.93

4777.20
4782.78
4788.36
4793.94
4799.54
4805.14
4810.74
4816.35
4821.97
4827.60
4833.23
4838.87
4844.51
4850.17
4855.83
4861.49
4867.16
4872.84
4878.53
4884.22
4889.92
4895.62
4901.33
4907.05
4912.77
4918.51
4924.24
4929.99
4935.74
4941.50
4947.26
4953.04
4958.82
4964.60
4970.39
4976.19
4982.00
4987.81
4993.63
467.93

222.80
217.22
211.64
206.06
200.46
194.86
189.26
183.65
178.03
172.40
166.77
161.13
155.49
149.83
144.17
138.51
132.84
127.16
121.47
115.78
110.08
104.38
98.67
92.95
87.23
81.49
75.76
70.01
64.26
58.50
52.74
46.96
41.18
35.40
29.61
23.81
18.00
12.19
6.37
0.55

5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
5000.00
468.47

y el resto con un prstamo de inters


e inters. Construya una tabla de
s vencidos.

ncenal cap quincenal

Saldo Final
94,500.00
$93,720.28
$92,940.44
$92,160.46
$91,380.35
$90,600.12
$89,819.75
$89,039.25
$88,258.63
$87,477.87
$86,696.98
$85,915.96
$85,134.82
$84,353.54
$83,572.13
$82,790.59
$82,008.92
$81,227.12
$80,445.20
$79,663.14
$78,880.95
$78,098.63
$77,316.18
$76,533.60
$75,750.88
$74,968.04
$74,185.07
$73,401.97
$72,618.73
$71,835.37
$71,051.88

$70,268.25
$69,484.50
$68,700.61
$67,916.59
$67,132.45
$66,348.17
$65,563.76
$64,779.22
$63,994.55
$63,209.75
$62,424.82
$61,639.75
$60,854.56
$60,069.23
$59,283.78
$58,498.19
$57,712.48
$56,926.63
$56,140.65
$55,354.54
$54,568.30
$53,781.93
$52,995.42
$52,208.79
$51,422.02
$50,635.13
$49,848.10
$49,060.94
$48,273.65
$47,486.23
$46,698.68
$45,910.99
$45,123.18
$44,335.23
$43,547.15
$42,758.94
$41,970.60
$41,182.13
$40,393.53
$39,604.79
$38,815.93
$38,026.93
$37,237.80
$36,448.54
$35,659.15
$34,869.63
$34,079.97

$33,290.18
$32,500.26
$31,710.21
$30,920.03
$30,129.72
$29,339.27
$28,548.70
$27,757.99
$26,967.15
$26,176.17
$25,385.07
$24,593.83
$23,802.47
$23,010.97
$22,219.34
$21,427.57
$20,635.68
$19,843.65
$19,051.49
$18,259.20
$17,466.77
$16,674.22
$15,881.53
$15,088.71
$14,295.76
$13,502.67
$12,709.46
$11,916.11
$11,122.63
$10,329.01
$9,535.27
$8,741.39
$7,947.38
$7,153.24
$6,358.96
$5,564.56
$4,770.02
$3,975.35
$3,180.54
$2,385.61
$1,590.54
$795.33
$0.00

nuales, si el inters es

es el precio justo para ella, si

nche y negociando una hipoteca a una tasa


es iguales. a) Calcular el pago mensual. b)

mensual cap mensual


meses

Saldo Final

1144000
1142797.09
1141586.16
1140367.16
1139140.03
1137904.72
1136661.17
1135409.33
1134149.15
1132880.57
1131603.53
1130317.97
1129023.85
1127721.10
1126409.66
1125089.48
1123760.50
1122422.66
1121075.90

1119720.16
1118355.38
1116981.51
1115598.47
1114206.22
1112804.68
1111393.80
1109973.52
1108543.76
1107104.48
1105655.60
1104197.06
1102728.79
1101250.74
1099762.84
1098265.01
1096757.20
1095239.34
1093711.35
1092173.19
1090624.76
1089066.02
1087496.88
1085917.28
1084327.15
1082726.42
1081115.02
1079492.88
1077859.92
1076216.07
1074561.27
1072895.43
1071218.49
1069530.37
1067831.00
1066120.29
1064398.18
1062664.59
1060919.45
1059162.67
1057394.17
1055613.89
1053821.74
1052017.64
1050201.51
1048373.28
1046532.86

1044680.16
1042815.12
1040937.64
1039047.65
1037145.06
1035229.78
1033301.73
1031360.84
1029407.00
1027440.13
1025460.16
1023466.98
1021460.52
1019440.67
1017407.37
1015360.51
1013300.00
1011225.75
1009137.68
1007035.69
1004919.68
1002789.57
1000645.26
998486.65
996313.65
994126.16
991924.09
989707.34
987475.81
985229.41
982968.02
980691.57
978399.93
976093.02
973770.73
971432.96
969079.60
966710.55
964325.71
961924.97
959508.23
957075.37
954626.30
952160.90
949679.06
947180.67
944665.63

942133.83
939585.14
937019.47
934436.68
931836.69
929219.35
926584.57
923932.22
921262.19
918574.36
915868.62
913144.83
910402.88
907642.66
904864.03
902066.88
899251.08
896416.51
893563.05
890690.55
887798.91
884888.00
881957.67
879007.81
876038.29
873048.96
870039.71
867010.40
863960.89
860891.05
857800.75
854689.84
851558.20
848405.68
845232.14
842037.44
838821.45
835584.01
832324.99
829044.25
825741.63
822417.00
819070.20
815701.09
812309.52
808895.34
805458.40

801998.54
798515.62
795009.48
791479.97
787926.93
784350.19
780749.62
777125.04
773476.29
769803.22
766105.67
762383.46
758636.44
754864.44
751067.29
747244.83
743396.88
739523.29
735623.86
731698.45
727746.86
723768.93
719764.47
715733.33
711675.30
707590.23
703477.92
699338.19
695170.87
690975.77
686752.69
682501.47
678221.90
673913.80
669576.98
665211.25
660816.42
656392.28
651938.65
647455.33
642942.12
638398.83
633825.24
629221.17
624586.40
619920.73
615223.96

610495.87
605736.27
600944.93
596121.65
591266.22
586378.42
581458.03
576504.84
571518.63
566499.17
561446.26
556359.65
551239.14
546084.49
540895.48
535671.87
530413.44
525119.95
519791.17
514426.87
509026.80
503590.74
498118.43
492609.64
487064.13
481481.65
475861.95
470204.78
464509.90
458777.06
453005.99
447196.46
441348.19
435460.93
429534.43
423568.41
417562.62
411516.80
405430.67
399303.96
393136.41
386927.74
380677.68
374385.95
368052.28
361676.39
355257.99

348796.79
342292.53
335744.90
329153.62
322518.40
315838.95
309114.96
302346.15
295532.22
288672.85
281767.76
274816.64
267819.17
260775.05
253683.98
246545.62
239359.68
232125.84
224843.77
217513.15
210133.66
202704.97
195226.76
187698.69
180120.44
172491.67
164812.03
157081.20
149298.83
141464.58
133578.10
125639.04
117647.06
109601.80
101502.90
93350.01
85142.76
76880.80
68563.76
60191.28
51762.97
43278.48
34737.43
26139.43
17484.12
8771.10
0.00

ticipo del 25% y el saldo se va


s total a pagar, si la tasa de

nsual cap mensual

Saldo Final

172500
172266.49
172029.87
171790.09
171547.12
171300.90
171051.41
170798.58
170542.39
170282.78
170019.71
169753.13
169482.99
169209.26
168931.87
168650.79
168365.96
168077.33
167784.85
167488.47
167188.14
166883.81
166575.42
166262.92
165946.25
165625.35
165300.18
164970.68
164636.78
164298.43
163955.56
163608.13

163256.06
162899.30
162537.78
162171.44
161800.22
161424.05
161042.86
160656.59
160265.17
159868.53
159466.60
159059.31
158646.59
158228.37
157804.58
157375.13
156939.95
156498.98
156052.12
155599.31
155140.46
154675.49
154204.32
153726.87
153243.05
152752.78
152255.98
151752.55
151242.41
150725.46
150201.63
149670.81
149132.91
148587.84
148035.50
147475.80
146908.64
146333.91
145751.52
145161.36
144563.34
143957.34
143343.26
142721.00
142090.44
141451.47
140803.98

140147.86
139482.99
138809.25
138126.53
137434.71
136733.66
136023.27
135303.40
134573.94
133834.75
133085.71
132326.67
131557.52
130778.11
129988.31
129187.98
128376.98
127555.16
126722.39
125878.51
125023.38
124156.85
123278.77
122388.98
121487.32
120573.64
119647.78
118709.58
117758.86
116795.47
115819.24
114829.98
113827.54
112811.73
111782.38
110739.30
109682.32
108611.24
107525.88
106426.05
105311.56
104182.20
103037.79
101878.12
100702.99
99512.18
98305.50

97082.73
95843.66
94588.07
93315.73
92026.44
90719.95
89396.04
88054.47
86695.03
85317.45
83921.51
82506.95
81073.54
79621.01
78149.11
76657.59
75146.18
73614.63
72062.64
70489.97
68896.33
67281.44
65645.01
63986.77
62306.42
60603.66
58878.20
57129.74
55357.96
53562.56
51743.22
49899.62
48031.44
46138.35
44220.02
42276.11
40306.28
38310.19
36287.48
34237.81
32160.80
30056.10
27923.34
25762.14
23572.13
21352.92
19104.11

16825.33
14516.16
12176.20
9805.04
7402.26
4967.45
2500.17
0.00

to dando 30% de enganche y


os depsitos completos de $5
a la tabla de amortizacin

ns. Cap mensual

Saldo Final

507500
503092.08
498679.02
494260.82
489837.45
485408.93
480975.24
476536.38
472092.34
467643.11
463188.70
458729.08
454264.27
449794.24
445319.00
440838.54
436352.85
431861.93
427365.77
422864.36
418357.70
413845.79
409328.61

404806.16
400278.43
395745.42
391207.13
386663.54
382114.64
377560.44
373000.93
368436.10
363865.94
359290.45
354709.62
350123.45
345531.93
340935.05
336332.81
331725.19
327112.21
322493.84
317870.08
313240.93
308606.38
303966.42
299321.05
294670.25
290014.04
285352.39
280685.30
276012.76
271334.78
266651.33
261962.43
257268.05
252568.20
247862.86
243152.03
238435.71
233713.89
228986.55
224253.70
219515.33
214771.43
210022.00
205267.03
200506.50
195740.43
190968.79

186191.59
181408.81
176620.46
171826.51
167026.98
162221.84
157411.10
152594.75
147772.77
142945.18
138111.95
133273.08
128428.56
123578.39
118722.57
113861.08
108993.92
104121.08
99242.55
94358.33
89468.42
84572.80
79671.47
74764.42
69851.64
64933.14
60008.89
55078.90
50143.16
45201.66
40254.40
35301.36
30342.54
25377.94
20407.55
15431.36
10449.36
5461.55
467.93
0.00