Trabajo. Administración marítima
Enviado por danigonza13 • 10 de Junio de 2020 • Trabajos • 439 Palabras (2 Páginas) • 266 Visitas
Anualidades y amortizaciones
Daniel Gonzalez
Universidad autónoma del caribe
Facultad de ciencias administrativas económicas y contable
Administración marítima
Sexto semestre
Barranquilla
2018
- La Empresa Gestión Administrativa y Financiera “GAF” requiere solicitar un crédito para comprar activos fijos, por valor de $95.000.000, este crédito se obtendrá con el Banco Davivienda, con seis años y medio de plazo, amortización mensual y un pago extra a los dos años y medio equivalente al 30% del valor del crédito aprobado, la tasa de interés aplicada es del 27,04% anual. Se pide:[pic 1]
- El valor de las cuotas mensuales y cuota extra
- Intereses monetarios cancelados por el crédito
- Tabla de amortización
[pic 2]
[pic 3][pic 4][pic 5]
[pic 6][pic 7]
[pic 8][pic 9][pic 10][pic 11][pic 12][pic 13][pic 14][pic 15][pic 16][pic 17]
[pic 18][pic 19][pic 20][pic 21]
[pic 22]
[pic 23]
Fecha de análisis: inicio del préstamo (fecha cero)
Las anualidades son de las vencidas y el pago extra se lleva a la fecha cero como interés compuesto
[pic 24][pic 25]
[pic 26][pic 27][pic 28]
[pic 29][pic 30]
[pic 31][pic 32][pic 33][pic 34][pic 35][pic 36][pic 37][pic 38][pic 39][pic 40][pic 41][pic 42]
¿[pic 43][pic 44]
[pic 45]
[pic 46]
[pic 47]
Tasa de interés
-1[pic 48]
0,2704=-1[pic 49]
1+0,2704 = [pic 50]
1,2704= [pic 51]
[pic 52]
[pic 53]
[pic 54]
Remplazando en la ecuación *
[pic 55]
[pic 56]
[pic 57]
[pic 58]
A.)
CUOTA MENSUAL =[pic 59]
CUOTA EXTRA=[pic 60]
B.)
=[pic 61]
[pic 62]
[pic 63]
C.) TABLA
n | Cuota mensual | Amortización al capital | Intereses | Capital no amortizado |
0 |
|
|
| $95.000.000,00 |
1 | $2.025.290,508 | $111.900,94 | $1.913.730,77 | $94.888.099,06 |
2 | $2.025.290.508 | $114.155,14 | $1.911.476,57 | $94.773.943,92 |
3 | $2.025.290,508 | $116.454,74 | $1.909.176,97 | $94.657.489,18 |
4 | $2.025.290.508 | $118.800,66 | $1.906.831,05 | $94.538.688,52 |
5 | $2.025.290,508 | $121.193,85 | $1.904.437,86 | $94.417.494,67 |
6 | $2.025.290.508 | $123.635,24 | $1.901.996,47 | $94.293.859,43 |
7 | $2.025.290,508 | $126.125,82 | $1.899.505,89 | $94.167.733,61 |
8 | $2.025.290.508 | $128.666,56 | $1.896.965,15 | $94.039.067,05 |
9 | $2.025.290,508 | $131.258,49 | $1.894.373,22 | $93.907.808,56 |
10 | $2.025.290.508 | $133.902,63 | $1.891.729,08 | $93.773.905,93 |
11 | $2.025.290,508 | $136.600,04 | $1.889.031,67 | $93.637.305,89 |
12 | $2.025.290.508 | $139.351,78 | $1.886.279,93 | $93.497.954,11 |
13 | $2.025.290,508 | $142.158,96 | $1.883.472,75 | $93.355.795,15 |
14 | $2.025.290.508 | $145.022,68 | $1.880.609,02 | $93.210.772,46 |
15 | $2.025.290,508 | $147.944,10 | $1.877.687,61 | $93.062.828,36 |
16 | $2.025.290.508 | $150.924,36 | $1.874.707,35 | $92.911.904,00 |
17 | $2.025.290,508 | $153.964,67 | $1.871.667,04 | $92.757.939,33 |
18 | $2.025.290.508 | $157.066,21 | $1.868.565,50 | $92.600.873,12 |
19 | $2.025.290,508 | $160.230,24 | $1.865.401,47 | $92.440.642,88 |
20 | $2.025.290.508 | $163.458,00 | $1.862.173,71 | $92.277.184,88 |
21 | $2.025.290,508 | $166.750,79 | $1.858.880,92 | $92.110.434,10 |
22 | $2.025.290.508 | $170.109,90 | $1.855.521,81 | $91.940.324,19 |
23 | $2.025.290,508 | $173.536,69 | $1.852.095,02 | $91.766.787,50 |
24 | $2.025.290.508 | $177.032,50 | $1.848.599,21 | $91.589.755,00 |
25 | $2.025.290,508 | $180.598,74 | $1.845.032,97 | $91.409.156,26 |
26 | $2.025.290.508 | $184.236,82 | $1.841.394,89 | $91.224.919,44 |
27 | $2.025.290,508 | $187.948,18 | $1.837.683,53 | $91.036.971,26 |
28 | $2.025.290.508 | $191.734,31 | $1.833.897,40 | $90.845.236,94 |
29 | $2.025.290,508 | $195.596,71 | $1.830.035,00 | $90.649.640,23 |
30 | $30.525.290,51 | $28.699.536,92 | $1.826.094,79 | $61.950.103,32 |
31 | $2.025.290,508 | $777.675,72 | $1.247.955,99 | $61.172.427,59 |
32 | $2.025.290.508 | $793.341,64 | $1.232.290,07 | $60.379.085,95 |
33 | $2.025.290,508 | $809.323,14 | $1.216.308,57 | $59.569.762,82 |
34 | $2.025.290.508 | $825.626,57 | $1.200.005,14 | $58.744.136,24 |
35 | $2.025.290,508 | $842.258,44 | $1.183.373,27 | $57.901.877,81 |
36 | $2.025.290.508 | $859.225,34 | $1.166.406,37 | $57.042.652,46 |
37 | $2.025.290,508 | $876.534,04 | $1.149.097,67 | $56.166.118,43 |
38 | $2.025.290.508 | $894.191,41 | $1.131.440,30 | $55.271.927,02 |
39 | $2.025.290,508 | $912.204,48 | $1.113.427,23 | $54.359.722,55 |
40 | $2.025.290.508 | $930.580,41 | $1.095.051,30 | $53.429.142,14 |
41 | $2.025.290.508 | $949.326,52 | $1.076.305,19 | $52.479.815,62 |
42 | $2.025.290,508 | $968.450,26 | $1.057.181,45 | $51.511.365,36 |
43 | $2.025.290.508 | $987.959,24 | $1.037.672,47 | $50.523.406,12 |
44 | $2.025.290,508 | $1.007.861,22 | $1.017.770,49 | $49.515.544,90 |
45 | $2.025.290.508 | $1.028.164,11 | $997.467,60 | $48.487.380,79 |
46 | $2.025.290,508 | $1.048.876,00 | $976.755,71 | $47.438.504,79 |
47 | $2.025.290.508 | $1.070.005,12 | $955.626,59 | $46.368.499,67 |
48 | $2.025.290.508 | $1.091.559,87 | $934.071,84 | $45.276.939,79 |
49 | $2.025.290,508 | $1.113.548,84 | $912.082,87 | $44.163.390,95 |
50 | $2.025.290.508 | $1.135.980,76 | $889.650,95 | $43.027.410,19 |
51 | $2.025.290.508 | $1.158.864,57 | $866.767,14 | $41.868.545,63 |
52 | $2.025.290,508 | $1.182.209,35 | $843.422,36 | $40.686.336,27 |
53 | $2.025.290.508 | $1.206.024,41 | $819.607,30 | $39.480.311,86 |
54 | $2.025.290,508 | $1.230.319,21 | $795.312,50 | $38.249.992,65 |
55 | $2.025.290.508 | $1.255.103,42 | $770.528,29 | $36.994.889,23 |
56 | $2.025.290,508 | $1.280.386,89 | $745.244,82 | $35.714.502,34 |
57 | $2.025.290.508 | $1.306.179,69 | $719.452,02 | $34.408.322,65 |
58 | $2.025.290,508 | $1.332.492,07 | $693.139,64 | $33.075.830,58 |
59 | $2.025.290.508 | $1.359.334,50 | $666.297,21 | $31.716.496,08 |
60 | $2.025.290,508 | $1.386.717,66 | $638.914,05 | $30.329.778,41 |
61 | $2.025.290.508 | $1.414.652,45 | $610.979,26 | $28.915.125,97 |
62 | $2.025.290,508 | $1.443.149,96 | $582.481,75 | $27.471.976,01 |
63 | $2.025.290.508 | $1.472.221,54 | $553.410,17 | $25.999.754,46 |
64 | $2.025.290,508 | $1.501.878,76 | $523.752,95 | $24.497.875,70 |
65 | $2.025.290.508 | $1.532.133,41 | $493.498,30 | $22.965.742,29 |
67 | $2.025.290,508 | $1.562.997,52 | $462.634,19 | $21.402.744,77 |
68 | $2.025.290.508 | $1.594.483,38 | $431.148,33 | $19.808.261,38 |
69 | $2.025.290,508 | $1.626.603,51 | $399.028,20 | $18.181.657,88 |
70 | $2.025.290.508 | $1.659.370,68 | $366.261,03 | $16.522.287,20 |
71 | $2.025.290,508 | $1.692.797,93 | $332.833,78 | $14.829.489,27 |
72 | $2.025.290.508 | $1.726.898,55 | $298.733,16 | $13.102.590,72 |
73 | $2.025.290,508 | $1.761.686,12 | $263.945,59 | $11.340.904,60 |
74 | $2.025.290.508 | $1.797.174,47 | $228.457,24 | $9.543.730,13 |
75 | $2.025.290,508 | $1.833.377,71 | $192.254,00 | $7.710.352,42 |
76 | $2.025.290.508 | $1.870.310,25 | $155.321,46 | $5.840.042,17 |
77 | $2.025.290,508 | $1.907.986,78 | $117.644,93 | $3.932.055,39 |
78 | $2.025.290.508 | $1.946.422,28 | $79.209,43 | $1.985.633,11 |
...