Las anualidades vencidas son aquellas que sus pagos iguales ocurren al
finalizar cada periodo, un diagrama de flujo de cada de dichas
anualidades se muestra a continuacin:
Matemticas financieras
10
11 12
0.19 6
1+
1
2
1+ 0.19 = $120,968.40
M=$14,500
0.19
(1+0.013)12 1
M=250
(1+0.013) = $3, 265.99
0.013
Matemticas financieras
-12+1
0.156
1 1 +
12
= $30, 767.60
C=$2,750 1 +
0.156
12
(1+i )n 1
i
M=R
(1+i ) Despejando queda: R=M
n
1+i
i
(
)
1+i
(
)
i
1
0.042
R=M
= $90,000
n
12
(1+i ) (1+i ) 1
(1+0.042 ) (1+0.042 ) 1
R = $5, 682.64
Puedes ver la solucin de este ejemplo en video:
http://www.youtube.com/watch?v=Y0Sv1FH1LDc
Elabor: MC. Marcel Ruiz Martnez
C=R
i+1 (1 + i )
i+1 (1 + i )
i
-n+1
=C
-n+1
C
R
iC
-n+1
i+1 (1 + i ) =
R
iC
-n+1
(1 + i ) = -i-1
R
iC
-n+1
(1 + i ) =i+1R
Log (1 + i )
-n+1
=Log i+1- iC
iC
R
iC
Log i+1-
R
-n+1=
Log (1 + i )
Matemticas financieras
iC
Log i+1-
R
-n=
1
Log (1 + i )
iC
Log i+1-
R
n=1Log (1 + i )
0.294
$4,600
0.294
12
Log
+1$511.69
12
n=1= 1 + 9 = 10
0.294
Log 1 +
12
Por lo tanto deberan ser 10 pagos.
1 (1 + i )-n+1
C=R 1 +
-n+1
1 (1 + i )
C
=1 +
R
i
1 (1 + i )
i
1 (1 + i )
-n+1
C
1
R
$75,000
1
$25,000
-6+1
i
1 (1 + i )
-5
= 3 1
1 (1 + i )
=2
i
-5
(1+i )n 1
M=R
(1+i )
i
Matemticas financieras
Mi
Log
+ 1
R (1 + i )
n=
Log (1 + i )
0.03
$20,000 12
+ 1
Log
$7001 + 0.03
12
=
= 27.56
0.03
Log1 +
12
Solucin inciso b)
Mi
$20,000(0.03)
Log
+ 1 Log
+1
R (1 + i )
$700(1 + 0.03)
n=
=
= 20.48
Log (1 + i )
Log (1 + 0.03)
iC
Log i + 1
R
n = 1
Log (1 + i )
Matemticas financieras