MATEMATICAS FINANCIERA TALLER
ensayisTrabajo20 de Agosto de 2015
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MATEMATICAS FINANCIERA
TALLER Nº 4
ANGIE STEFANIA LÓPEZ ALVAREZ
ID 000337542
JON JAIVER CARRANZA ROMERO
ID 000312591
ANGIE ALEJANDRA VALDERRAMA ROMERO
ID 000432753
AMORTIZACION
UNIVERSIDAD UNIMINUTO
FACULTAD CIENCIAS EMPRESARIALES
CONTADURIA PÚBLICA
IBAGUE, TOLIMA
2015
TALLER DE MATEMATICAS FINANCIERA
- Calcule la cuota en pesos para un préstamo de $9.600.000 a dos años por periodos mensuales a una tasa de interés del 1,08% efectiva mensual. Realice la tabla de amortización aplicando el método gradual en pesos y constante en pesos.
Método Gradual en Pesos
[pic 1][pic 2]
A= P (1+i) n. i[pic 3]
(1+i)n- 1
[pic 4][pic 5]
A = 9.600.000 (1+0,0108)24. 0,0108 = 0,013976207 = 0,047523033[pic 6][pic 7]
(1+0,108)24 – 1 0,294093327
A = 9.600.000 x 0,047523033
A = 456,221 Cuota
Intereses = Capital x Tasa de Interés
9,600.000 x 0,0108 = 103,680
Amortización = Cuota – Intereses
453,221 – 103,680 = 352,541
Sado = Capital – Amortización
9,600.000 – 352,541 = 9,247.459
TABLA DE AMORTIZACION GRADUAL EN PESOS | |||||
PREDIODO | CUOTA | CAPITAL | INTERESES | AMORTIZACION | SALDO CAPITAL |
0 | 0 | 9600000 | 0 | 0 | 9600000 |
1 | 456221 | 9600000 | 103680 | 352541 | 9247459 |
2 | 456221 | 9247459 | 99872.5572 | 356348.443 | 8891110.557 |
3 | 456221 | 8891110.56 | 96023.994 | 360197.006 | 8530913.551 |
4 | 456221 | 8530913.55 | 92133.8664 | 364087.134 | 8166826.418 |
5 | 456221 | 8075729.61 | 88201.7253 | 368019.275 | 7798807.143 |
6 | 456221 | 7798807.14 | 84227.1171 | 371993.883 | 7426813.26 |
7 | 456221 | 7426813.26 | 80209.5832 | 376011.417 | 7050801.843 |
8 | 456221 | 7050801.84 | 76148.6599 | 380072.34 | 6670729.503 |
9 | 456221 | 6670729.5 | 72043.8786 | 384177.121 | 6286552.382 |
10 | 456221 | 6286552.38 | 67894.7657 | 388326.234 | 5898226.147 |
11 | 456221 | 5898226.15 | 63700.8424 | 392520.158 | 5505705.99 |
12 | 456221 | 5505705.99 | 59461.6247 | 396759.375 | 5108946.615 |
13 | 456221 | 5108946.61 | 55176.6234 | 401044.377 | 4707902.238 |
14 | 456221 | 4707902.24 | 50845.3442 | 405375.656 | 4302526.582 |
15 | 456221 | 4302526.58 | 46467.2871 | 409753.713 | 3892772.869 |
16 | 456221 | 3892772.87 | 42041.947 | 414179.053 | 3478593.816 |
17 | 456221 | 3478593.82 | 37568.8132 | 418652.187 | 3059941.629 |
18 | 456221 | 3059941.63 | 33047.3696 | 423173.63 | 2636767.999 |
19 | 456221 | 2636768 | 28477.0944 | 427743.906 | 2209024.093 |
20 | 456221 | 2209024.09 | 23857.4602 | 432363.54 | 1776660.554 |
21 | 456221 | 1776660.55 | 19187.934 | 437033.066 | 1339627.488 |
22 | 456221 | 1339627.49 | 14467.9769 | 441753.023 | 897874.4645 |
23 | 456221 | 897874.465 | 9697.04422 | 446523.956 | 451350.5087 |
24 | 456221 | 451350 | 4874.58549 | 451346.415 | 0 |
Método Constante en Pesos
A = P[pic 8]
n
A = 9.600.000 = 400.000[pic 9]
24
La Cuota = Intereses + Amortización
103.680 + 400.000 = 503.680
Saldo = Capital – Amortización
9.600.000 – 400.000 = 9.200.000
SISTEMA DE AMORTIZACION CONSTANTE EN PESOS | |||||
PREDIODO | CUOTA | CAPITAL | INTERESES | AMORTIZACION | SALDO CAPITAL |
0 | 0 | 9600000 | 0 | 0 | 9600000 |
1 | 503680 | 9600000 | 103680 | 400000 | 9200000 |
2 | 499360 | 9200000 | 99360 | 400000 | 8800000 |
3 | 495040 | 8800000 | 95040 | 400000 | 8400000 |
4 | 490720 | 8400000 | 90720 | 400000 | 8000000 |
5 | 486400 | 8000000 | 86400 | 400000 | 7600000 |
6 | 482080 | 7600000 | 82080 | 400000 | 7200000 |
7 | 477760 | 7200000 | 77760 | 400000 | 6800000 |
8 | 473440 | 6800000 | 73440 | 400000 | 6400000 |
9 | 469120 | 6400000 | 69120 | 400000 | 6000000 |
10 | 464800 | 6000000 | 64800 | 400000 | 5600000 |
11 | 460480 | 5600000 | 60480 | 400000 | 5200000 |
12 | 456160 | 5200000 | 56160 | 400000 | 4800000 |
13 | 451840 | 4800000 | 51840 | 400000 | 4400000 |
14 | 447520 | 4400000 | 47520 | 400000 | 4000000 |
15 | 443200 | 4000000 | 43200 | 400000 | 3600000 |
16 | 438880 | 3600000 | 38880 | 400000 | 3200000 |
17 | 434560 | 3200000 | 34560 | 400000 | 2800000 |
18 | 430240 | 2800000 | 30240 | 400000 | 2400000 |
19 | 425920 | 2400000 | 25920 | 400000 | 2000000 |
20 | 421600 | 2000000 | 21600 | 400000 | 1600000 |
21 | 417280 | 1600000 | 17280 | 400000 | 1200000 |
22 | 412960 | 1200000 | 12960 | 400000 | 800000 |
23 | 408640 | 800000 | 8640 | 400000 | 400000 |
24 | 404320 | 400000 | 4320 | 400000 | 0 |
...