7. CUOTAS CRECIENTES ARITMETICAMENTE ( pag.

438 )

C = ? C = ( P - G . FASG ) FRC
P 20,000
n 6 FASG FRC
i 5% 11.9679937 0.19701747
G 200 F: (92) F: (65)
pag 369 pag. 260-265

CUOTA C = 3,468.77

FECHA DIAS n CUOTA INTERES AMORTIZ SALDO

8/03/2010 0 20,000.00
6/06/2010 90 1 3,468.77 1,000.00 2,468.77 17,531.23
4/09/2010 90 2 3,668.77 876.56 2,792.21 14,739.02
3/12/2010 90 3 3,868.77 736.95 3,131.82 11,607.21
3/03/2011 90 4 4,068.77 580.36 3,488.41 8,118.80
1/06/2011 90 5 4,268.77 405.94 3,862.83 4,255.97
30/08/201
1 90 6 4,468.77 212.80 4,255.97 0.00
540 23,812.61 3,812.61 20,000.00

8. CUOTAS CRECIENTES GEOMETRICAMENTE ( pag. 440 )

F
R ? (112) pag.441
P 20,000
n 6
TET 5%
g 1.03 R= 3,670.41

CRECIMIENTO GEOMETRICO DE LAS

CUOTAS n CUOTA INTERES AMORTIZ SALDO
CUOTA IMPORTE GRADIENTE TOTAL 0 20,000.00
0 1 3,670.41 1,000.00 2,670.41 17,329.59
1 3,670.41 1.03^0 3,670.41 2 3,780.52 866.48 2,914.04 14,415.56
2 3,670.41 1.03^1 3,780.52 3 3,893.93 720.78 3,173.16 11,242.40
3 3,670.41 1.03^2 3,893.93 4 4,010.75 562.12 3,448.63 7,793.77
4 3,670.41 1.03^3 4,010.75 5 4,131.07 389.69 3,741.38 4,052.39
5 3,670.41 1.03^4 4,131.07 6 4,255.01 202.62 4,052.39 0.00
6 3,670.41 1.03^5 4,255.01 23,741.69 3,741.69 20,000.00
 9. CUOTAS CON AMORTIZACIONES CRECIENTES PERIODICAMENTE ( pag 443 )

Proporcion del crecimiento de la amortizacion trimestral

CUOTAS 2 4 6
P 20,000 1º amortiz 40% 10% 5%
n 6 2º amortiz 60% 20% 5%
TET 5% 3º amortiz 30% 15%
4º amortiz 40% 15%
5º amortiz 30%
6º amortiz 30%
100% 100% 100%

n CUOTA INTERES AMORTIZ SALDO

0 20,000.00
1 2,000.00 1,000.00 1,000.00 19,000.00
2 1,950.00 950.00 1,000.00 18,000.00
3 3,900.00 900.00 3,000.00 15,000.00
4 3,750.00 750.00 3,000.00 12,000.00
5 6,600.00 600.00 6,000.00 6,000.00
6 6,300.00 300.00 6,000.00 0.00
24,500.00 4,500.00 20,000.00

10. SUMA DE DIGITOS ( pag. 444 )

P 20,000
n 6
TET 5%

n PROPORCION CUOTA INTERES AMORTIZACION SALDO

5%
0 20,000.00
1 1/21 1,952.38 1,000.00 952.38 19,047.62
2 2/21 2,857.14 952.38 1,904.76 17,142.86
3 3/21 3,714.29 857.14 2,857.14 14,285.71
4 4/21 4,523.81 714.29 3,809.52 10,476.19
5 5/21 5,285.71 523.81 4,761.90 5,714.29
6 6/21 6,000.00 285.71 5,714.29 0.00
21 1 24,333.33 4,333.33 20,000.00
 11. SISTEMA DE REAJUSTE DE DEUDAS - pag. 446

r ? 0.019417476 i = ( 1 + i' ) ( 1 + r ) - 1
P 20,000
n 6 luego:
TET =
i 5%
i` 3% r = ( 1 + i ) / ( 1 + i' ) - 1

REAJUSTE SALDO INTERES

n 0.01941748 REAJUSTADO 3% AMORTIZ CUOTA SALDO
0 20,000.00
1 388.35 20,388.35 611.65 3,398.06 4,009.71 16,990.29
2 329.91 17,320.20 519.61 3,464.04 3,983.65 13,856.16
3 269.05 14,125.21 423.76 3,531.30 3,955.06 10,593.91
4 205.71 10,799.62 323.99 3,599.87 3,923.86 7,199.74
5 139.80 7,339.54 220.19 3,669.77 3,889.96 3,669.77
6 71.26 3,741.03 112.23 3,741.03 3,853.26 0.00
2,211.42 21,404.08 23,615.49