Actividad 5 U2

1. Fecha Focal 12 meses.

Montos originales

a) i).30/12=0.025 n=6/12=0.5 m=12

S1= 30000 (1 + 0.30/12)ˆ0.5x12 = 34790.80

b) i=0.36/12=0.03 n=12/12=1 m=12

S2= 15000 (1 + 0.36/12) ˆ12*1 = 21386.41

c) i=0.24/12=0.02 n=10/12=0.83333 m=12

S = 50000 (1 + 0.24 / 12) ˆ0.8333x12 = 60949.72

d) i).42/12=0.035 n=8/12=0.6667 m=12

S = 10000 (1 +0.42/12)ˆ0.6667x12= 13168.09

hoy 50000 50000

0 1M 2 3 4M

x x x

X+ S1 +S2+S3 +S4 = P1 + P2

S=C (1+i) n

X + 34790.80 (1 + 0.30/12)ˆ12/12*12 + 21386.41 (1 + 0.30/12) ˆ3/12*12 + 60949.72 (1 + 0.30 / 12)

ˆ6/12*12 + 13168.09 (1+0.27/12) ˆ5/12*12 = 40000 (1+0.30/12) ˆ12/12*12 + 35000 (1+0.30/12) ˆ6/12*12

X + 34790.80 (1.025) ˆ12 + 21386.41 (1.025) ˆ3 + 60949.72 (1.025) ˆ6 + 13168.09 (1.025) ˆ5

= 40000 (1.025) ˆ12 + 35000 (1.025) ˆ6

X + 34790.80 (1.3449) + 21386.41 (1.0769) + 60949.72 (1.1597) + 13168.09 (1.1314) =
40000 (1.3449) + 35000 (1.1597)

X + 46789.7581 + 23030.8244 + 70682.9891 + 14898.4852 = 53796.0000 + 40589.2696

X + 155402.0568 = 94385.2696

X + 155402.0568 - 94385.2696 = 61016.7872

2. M1 + M2 = X1 + X2 + X3

50000(1+0.30/24)ˆ3/12*24 + 50000 = X(1+0.30/24)ˆ4/12*24 + X(1+0.30/24)ˆ6 + X(1+0.30/24)ˆ4

50000(1+0.30/24)ˆ0.25*24 + 50000 = X(1+0.30/24)ˆ0.3333*24 + X(1+0.30/24)ˆ6 + X(1+0.30/24)ˆ4

53869.16 + 50000 = X (1.1045) + X (1.0774) + X (1.0509)

103869.16 = X 3.2328

X=103869.16/3.3228 = 32129.78

3. Fecha Focal 120 días.

a) S1 = 500 (1 + 0.27/12)ˆ1/12*12

S1 = 500 (1 + 0.27/12)ˆ0.0833x12 = 511.25

b) S2 = 500 (1 + 0.27/12)ˆ4/12*12

S2 = 500 (1 + 0.27/12)ˆ0.3333x12 = 546.54

27% capitalizable mensualmente

hoy 511.25 546.54

0 1M 2 3 4M

x x x x
S1 + S2 = X1 + X 2+ X

511.25(1+0.27/12) ˆ3 + 546.54 = X (1+0.27/12) ˆ3 + X (1+0.27/12) ˆ2 + X (1+0.27/12) ˆ1

546.54 + 546.54 = X (1.0690) + X (1.0455) + X (1.0225)

1093.08 = 3.137 X

X = 1093.08/3.137 = 348.45

4. Fecha Focal 15 meses.

Montos originales no se calculan quedan igual.

S1=12000(7ms)

S2=18000(15ms)

S1 + S2 = P1 + P2 + X

12000(1+0.09/4) ˆ8/12*4 + 18000 = 6000(1+0.09/4) ˆ10/12*4 + 10000(1+0.09/4) ˆ3/12*4 + X

12000(1+0.09/4) ˆ0.6667*4 + 18000 = 6000(1+0.09/4) ˆ0.8333*4 + 10000(1+0.09/4) ˆ0.25*4 + X

12733.57 + 18000 = 6461.93 + 10225 + X

30733.57 = 16686.93 + X
30733.57 - 16686.93 =X

X = 14046.64

5. Fecha Focal 5 meses.

Montos originales

a) S = 8750

b) S = 8750 (1 + 0.48/12)ˆ10/12*12
S = 8750 (1 + 0.48/12)ˆ0.0833x12 = 9100

c) S = 8750 (1 + 0.48/12) ˆ2/12*12

S = 8750 (1 + 0.48/12) ˆ0.1667*12 = 9464

d) S = 8750 (1 + 0.48/12)ˆ3/12*12
S = 8750 (1 + 0.48/12)ˆ0.25*12 = 9842.56
hoy
8750 9100 9464 9842.56

0 1M 2M 3M 4M 5M

x 2x

M1 + M2 + M3 + M4 = X + 2X

Si el enganche se paga.

8750 + 9100(1+0.48/12)ˆ4/12x12+9464(1+0.48/12)ˆ3/12x12+9842.56(1+0.48/12)ˆ2/12x12 =

X(1+0.48/12)ˆ3/12x12 + 2X

8750 + 9100(1+0.48/12)ˆ0.3333x12+9464(1+0.48/12)ˆ0.25x12+9842.56(1+0.48/12)ˆ0.1666x12 =

X(1+0.48/12)ˆ0.25x12 + 2X

8750 + 10645.71 + 10645.71 + 10645.71 = X (1.124864) + 2X

40687.13 = 3.124864X

X = 13020.45

2x = 26040.90