$
198,000.00
$
79,200.00
198.000-79200=
?
12%
$
5,592.33
$ 118,800.00
/12= 1%/100 =
1-(1+i)-n
i
C*i
R
De C = R
-1= -(1+i)-n
C*i
R
(1+i)-n =1-
n==-
0.01
-n log(1+i)= log
(1-
C*i
R
log 1-
log(1 + i)
log(0,787566184)
log(1,01)
C*i
R
) log(1==-
118,800(0,01)
5592.33
log(1,01)
(-0,103712939)
0.004321374
= 24
TABLA DE AMORTIZACION
FECHA
PAGO
INTERES
AMORTIZACION
SALDO
118,800.00
5,592.33
1,188.00
4,404.33
114,395.67
5,592.33
1,143.96
4,448.37
109,947.30
5,592.33
1,099.47
4,492.86
105,454.44
5,592.33
1,054.54
4,537.79
100,916.65
5,592.33
1,009.17
4,583.16
96,333.49
5,592.33
963.33
4,629.00
91,704.50
5,592.33
917.04
4,675.29
87,029.21
5,592.33
870.29
4,722.04
82,307.17
5,592.33
823.07
4,769.26
77,537.91
10
5,592.33
775.38
4,816.95
72,720.96
11
5,592.33
727.21
4,865.12
67,855.84
12
5,592.33
678.56
4,913.77
62,942.07
TOTAL
13
5,592.33
629.42
4,962.91
57,979.16
14
5,592.33
579.79
5,012.54
52,966.62
15
5,592.33
529.67
5,062.66
47,903.96
16
5,592.33
479.04
5,113.29
42,790.67
17
5,592.33
427.91
5,164.42
37,626.25
18
5,592.33
376.26
5,216.03
32,410.22
19
5,592.33
324.10
5,268.23
27,141.99
20
5,592.33
271.42
5,320.91
21,821.08
21
5,592.33
218.21
5,374.12
16,446.96
22
5,592.33
164.47
5,427.86
11,019.10
23
5,592.33
110.19
5,482.14
5,536.96
24
5,592.33
55.37
5,536.96
(0.00
134,215.92
15415.88
118800.00
mensual
SALDO
118,800.00
114,395.67
109,947.30
105,454.44
100,916.65
96,333.49
91,704.50
87,029.21
82,307.17
77,537.91
72,720.96
67,855.84
62,942.07
57,979.16
52,966.62
47,903.96
42,790.67
37,626.25
32,410.22
27,141.99
21,821.08
16,446.96
11,019.10
5,536.96
(0.00)
EUDA ES DE 24 PAGOS
16. En una operacin de crdito se salda una deuda de $15 000 mediante pagos trimestrales
vencidos e iguales por $3 002.68 durante ao y medio. Cul es la tasa de
inters nominal anual con capitalizacin trimestral que se pag? Cules eran los derechos
del acreedor despus del tercer pago?
DATOS
M=
n=
i=
R=
$
15,000.00
6 trimestres
?
tasa de interes nominal
$
3,002.68
SOLUCION
15,000.00
1-(1+i)-6
i
3.002,68
1-(1+i)-6
i
(1+i)8-1
i
Si i
= 0,054
= 0,055
15,000.00
3,002.68
$
4.9955
3,550.00
420.00
Ensayando valores de i:
1-(1+0,054)-6
0.054
(1+0,055)-6
0.055
4.99553732
i
4.9955031
0.055
4.99553732 4.9955031 -
0.0158669
=
0.01590112
-
i = 0,54=
i=
i=
0.99784795
0.000997848
0,54+0,000997848
0.055
5.01140422
=
5.01140422
i- 0,054
0.001
i- 0,054
(0.001)
verificado
1-(1,055)^-6
0.55
= 4,9955
TABLA DE AMORTIZACION
FECHA
PAGO
INTERES
AMORTIZACION
SALDO
15000.
3,002.68
825.00
2177.68
12822.
3,002.68
705.23
2297.45
10524.
3,002.68
578.87
2423.81
8101.
3,002.68
445.56
2557.12
5543.
3,002.68
304.92
2697.79
2846.
0.
TOTAL
3,002.68
156.54
2846.14
18,016.08
3016.11
15000.00
RTA.
RTA.
os trimestrales
los derechos
5.01140422
4.9955031
i- 0,054
0,055-0,054
SALDO
15000.00
12822.32
10524.87
8101.06
5543.93
2846.14
=8.101,06
0.00