Anualidades, amortización y capitalización
contre1Tarea27 de Junio de 2016
2.388 Palabras (10 Páginas)1.234 Visitas
MATEMATICA FINANCIERA
Autores:
Juan Camilo Contreras Rivas
Dayana Zamora
Rubén Darío ortega
Tutor:
Luis Alfonso Arias
[pic 1]
Universidad de Cartagena
Programa de Educación Superior a Distancia
Administración Financiera
Junio 11 del 2016
1. Un comerciante tiene una deuda de $55.000.000 que va a cancelar en cinco años con cuotas uniformes pagaderas semestralmente y un interés del 30% efectivo anual. Sí al pagar la sexta y decima cuota hace pagos extraordinarios pactados de $5.000.000 y 5.300.000 respectivamente. (Calcular la cuota y elaborar tabla de amortización suponiendo que las cuotas extras se abonan a capital).
[pic 2]
55000000= A (5.018768626) + 2161637.98 + 1310078.942
[pic 3]
A= 10267116,68
N | pago mensual | interés | cuota capital | saldo |
0 | 0 | 0 | 0 | 55000000 |
1 | 10.267.116,68 | 8.250.000 | 2.017.116,68 | 52.982.883,32 |
2 | 10.267.116,68 | 7.947.432,498 | 2.319.684,182 | 50.663.199,14 |
3 | 10.267.116,68 | 7.599.479,871 | 2.667.636,811 | 47.995.562,31 |
4 | 10.267.116,68 | 7.199.334,3546 | 3.067.782,33 4 | 44.927.779,98 |
5 | 10,267.116.68 | 6.739.166,996 | 3.527.949,684 | 41.399.830,3 |
6 | 15.267.116.68 | 6.209.974,545 | 9.057.142,13 5 | 32.342.688,16 |
7 | 10.267.116,68 | 4.851.403,225 | 5.415.713,455 | 26.926.974,71 |
8 | 10.267.116,68 | 4.039.046.206 | 6.228.070,47 4 | 20.698.904,24 |
9 | 10.267.116,68 | 3.104.835.635 | 7.162.281,045 | 13.536.623,2 |
10 | 15.567.116,68 | 2.030.493.479 | 13.536.623,2 | 0 |
2. Elabora una tabla de capitalizar la suma de $22.500.000 en 12 cuotas realizando depósitos iguales cada trimestre en un fondo que reconoce un interés del 36% EA
Capital= $22.500.000
Tiempo: 12 trimestre
Tasa: intereses 36% EA
[pic 4][pic 5]
[pic 6]
N | acumulado | interés | deposito | incremento |
1 | $1.117.139,82 | 0% | $1.117.139,82 | $1.117.139,82 |
2 | $2.334.822,22 | $11.542.58 | $1.117.139,82 | $1.217.682,40 |
3 | $3.662.096,03 | $109.591,42 | $1.117.139,82 | $1.327.273,82 |
4 | $5.108.824,49 | $119,454,64 | $1.117.139,82 | $1.446.728,46 |
5 | $6.685.758,51 | $130.205,56 | $1.117.139,82 | $1.576.934,02 |
6 | $8.404.616,59 | $141.924,06 | $1.117.139,82 | $1.718.858,08 |
7 | $10.278.171,90 | $154.697,06 | $1.117.139,82 | $1.873..555,31 |
8 | $12.320.347,19 | $168.619,98 | $1.117.139,82 | $2.042.175,29 |
9 | $14.546.318,25 | $183.795,78 | $1.117.139,82 | $2.225.971,06 |
10 | $16.972.626,71 | $200.337,76 | $1.117.139,82 | $2.426.308,46 |
11 | $19.617.302,93 | 4218.367.76 | $1.117.139,82 | $2.644.676,22 |
12 | $22.500.000,01 | $238.020,86 | $1.117.139,82 | $2.882.697,08 |
3. Una persona contrae una deuda por $6.000.000 la cual se cancelará en 24 cuotas mensuales iguales y dos pagos extraordinarios de $500.000 cada uno con las cuotas 5 y 12, el costo del crédito es del 18%C.S. Halle la cuota y elabore tabla de amortización.
[pic 7]
6000000 = A (16.93554212) + 781994
[pic 8]
A= 308109,7511
N | pagos mensuales | interés | cuota capital | Sado |
0 | 0 | 0 | 0 | 6.000.000,00 |
1 | 308.109,75 | 180.000,00 | 128.109,75 | 5.871.890,25 |
2 | 308.109,75 | 176.156,71 | 131.953,04 | 5.739.937,21 |
3 | 308.109,75 | 172.198,12 | 135.911,63 | 5.604.025,57 |
4 | 308.109,75 | 168.120,77 | 139.988,98 | 5.464.036,59 |
5 | 808.109,75 | 163.921,10 | 644.188,65 | 4.819.847,93 |
6 | 308.109,75 | 144.595,44 | 163.514,31 | 4.656.333,62 |
7 | 308.109,75 | 139.690,01 | 168.419,74 | 4.487.913,88 |
8 | 308.109,75 | 134.637,42 | 173.472,33 | 4.314.441,54 |
9 | 308.109,75 | 129.433,25 | 178.676,50 | 4.135.765,04 |
10 | 308.109,75 | 124.072,95 | 184.036,80 | 3.951.728,24 |
11 | 308.109,75 | 118.551,85 | 189.557,90 | 3.762.170,33 |
12 | 808.109,75 | 112.865,11 | 695.244,64 | 3.066.925,69 |
13 | 308.109,75 | 92.007,77 | 216.101,98 | 2.850.823,71 |
14 | 308.109,75 | 85.524,71 | 222.585,04 | 2.628.238,67 |
15 | 308.109,75 | 78.847,16 | 229.262,59 | 2.398.976,08 |
16 | 308.109,75 | 71.969,28 | 236.140,47 | 2.162.835,61 |
17 | 308.109,75 | 64.885,07 | 243.224,68 | 1.919.610,93 |
18 | 308.109,75 | 57.588,33 | 250.521,42 | 1.669.089,51 |
19 | 308.109,75 | 50.072,69 | 258.037,07 | 1.411.052,44 |
20 | 308.109,75 | 42.331,57 | 265.778,18 | 1.145.274,26 |
21 | 308.109,75 | 34.358,23 | 273.751,52 | 871.522,74 |
22 | 308.109,75 | 26.145,68 | 281.964,07 | 589.558,67 |
23 | 308.109,75 | 17.686,76 | 290.422,99 | 299.135,68 |
24 | 308.109,75 | 8.974,07 | 299.135,68 | - 0,00 |
...