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AMORTIZACION

EJERCICIO 44
VALOR PRESTAMO 950000

INTERES 1.95%

PLAZO 4 MESES

VALOR CUOTAS 249,189.91

N PERIODOS SALDO CAPITAL ABONO INTERES CUOTAS


0 950000 0
1 719,335.09 230,664.91 18525 249,189.91
2 484,172.21 235,162.88 14027.0341894224 249,189.91
3 244,423.65 239,748.56 9441.3580455386 249,189.91
4 - 244,423.65 4766.261216849 249,189.91

VALOR PRESENTE EN UN GRADIENTE LINEA


EJERCICIO 46 EJERCICIO 47
0 0
1 100,000.00 1 100,000.00
2 103,750.00 2 94,980.00
3 107,500.00 3 89,960.00
4 111,250.00 4 84,940.00
5 115,000.00 5 79,920.00
6 118,750.00 6 74,900.00
7 122,500.00 7 69,880.00
8 126,250.00 8 64,860.00
9 130,000.00 9 59,840.00
10 133,750.00 10 54,820.00
11 137,500.00 11 49,800.00
12 141,250.00 12 44,780.00
13 145,000.00 13 39,760.00
14 148,750.00 14 34,740.00
15 152,500.00 15 29,720.00
16 156,250.00 16 24,700.00
17 160,000.00 17 19,680.00
18 163,750.00 18 14,660.00
19 167,500.00 19 9,640.00
20 171,250.00 20 4,620.00
21 175,000.00 21 - 400.00
22 178,750.00 22 - 5,420.00
23 182,500.00 23 - 10,440.00
24 186,250.00 2,640,006.92 24 - 15,460.00

VALOR PRESENTE EN UN GRADIENTE GEOMETRIC


EJERCICIO 50 EJERCICO 51
1 1050000 59,159,818.91 0
2 1069425 1 5000000
3 1089209.3625 2 4944500
4 1109359.73570625 3 4889616.05
5 1129882.89081682 4 4835341.311845
6 1150785.72429693 5 4781669.02328352
7 1172075.26019642 6 4728592.49712507
8 1193758.65251005 7 4676105.12040699
9 1215843.18758149 8 4624200.35357047
10 1238336.28655175 9 4572871.72964584
11 1261245.50785295 10 4522112.85344677
12 1284578.54974823 11 4471917.40077351
13 1308343.25291858 12 4422279.11762492
14 1332547.60309757 13 4373191.81941929
15 1357199.73375488 14 4324649.39022373
16 1382307.92882934 15 4276645.78199225
17 1407880.62551268 16 4229175.01381213
18 1433926.41708467 17 4182231.17115882
19 1460454.05580073 18 4135808.40515896
20 1487472.45583305 19 4089900.93186169
21 1514990.69626596 20 4044503.03151803
22 1543018.02414688 21 3999609.04786818
23 1571563.8575936 22 3955213.38743684
24 1600637.78895908 23 3911310.51883629
25 1630249.58805482 24 3867894.97207721
26 1660409.20543384 25 3824961.33788715
27 1691126.77573436 26 3782504.2670366
28 1722412.62108545 27 3740518.4696725
29 1754277.25457553 28 3698998.71465913
30 1786731.38378518 29 3657939.82892642
31 1819785.9143852 30 3617336.69682533
32 1853451.95380133 31 3577184.25949057
33 1887740.81494665 32 3537477.51421023
34 1922664.02002316 33 3498211.51380249
35 1958233.30439359 34 3459381.36599929
36 1994460.62052487 35 3420982.23283669
37 2031358.14200458 36 3383009.33005221
38 2068938.26763167 37 3345457.92648863
39 2107213.62558286 38 3308323.3435046
40 2146197.07765614 39 3271600.9543917
41 2185901.72359278 40 3235286.18379795
42 2226340.90547924 41 3199374.5071578
43 2267528.21223061 42 3163861.45012835
44 2309477.48415688 43 3128742.58803192
45 2352202.81761378 44 3094013.54530477
46 2395718.56973963 45 3059669.99495188
47 2440039.36327982 46 3025707.65800792
48 2485180.09150049 47 2992122.30300403
49 2531155.92319325 48 2958909.74544068
50 2577982.30777233
51 2625674.98046612
52 2674249.96760474
53 2723723.59200543
54 2774112.47845753
55 2825433.55930899
56 2877704.08015621
57 2930941.6056391
58 2985164.02534342
59 3040389.55981227
60 3096636.7666688
EVALUACION DE ALTERNATIVAS DE INV
EJERCICIO 52
AÑOS
0 1 2 3
-2800 -500 3100 2000

TIO 17%
TIR 21% 22%

A) VPN 285.9826937

B) TIR 21.56%
AMORTIZACION
EJERCICIO 45
VALOR PRESTAMO 3500000

INTERES 1.95%

PLAZO 6

VALOR CUOTAS 623,786.41

N PERIODOS SALDO CAPITAL ABONO INTERES CUOTAS


0 3500000 0
1 2,944,463.59 555,536.41 68250 623,786.41
2 2,378,094.22 566,369.37 57417.03996271 623,786.41
3 1,800,680.64 577,413.57 46372.83720468 623,786.41
4 1,212,007.50 588,673.14 35113.27249288 623,786.41
5 611,855.24 600,152.27 23634.1462692 623,786.41
6 - 611,855.24 11931.17708415 623,786.41

E EN UN GRADIENTE LINEAL CRECIENTE


EJERCICIO 1
0
1 189,000.00
2 191,400.00
3 193,800.00
4 196,200.00
5 198,600.00
6 201,000.00
7 203,400.00
8 205,800.00
9 208,200.00
10 210,600.00
11 213,000.00
12 215,400.00
13 217,800.00
14 220,200.00
15 222,600.00
16 225,000.00
17 227,400.00
18 229,800.00
19 232,200.00
20 234,600.00
21 237,000.00
22 239,400.00
23 241,800.00
889,247.48 24 244,200.00 3,886,010.61 €

N GRADIENTE GEOMETRICO O ESPONENCIAL


EJERCICIO 16
1 141000 4,615,127.52 €
134,404,035.53 2 143862.3
3 146782.70469
4 149762.3935952
5 152802.5701852
6 155904.4623599
7 159069.3229459
8 162298.4302017
9 165593.0883348
10 168954.6280279
11 172384.4069769
12 175883.8104385
13 179454.2517904
14 183097.1731018
15 186814.0457158
16 190606.3708438
17 194475.6801719
18 198423.5364794
19 202451.5342699
20 206561.3004156
21 210754.4948141
22 215032.8110588
23 219397.9771233
24 223851.7560589
25 228395.9467069
26 233032.384425
27 237762.9418289
28 242589.529548
29 247514.0969978
30 252538.6331669
31 257665.1674201
32 262895.7703188
33 268232.5544562
34 273677.6753117
35 279233.3321205
36 284901.7687626
N DE ALTERNATIVAS DE INVERSION
EJERCICIO 31 EJERCICIO 32
AÑOS
0 1 2 3 0
-1400 900 300 480 -38000

TIO 8% TIO
TIR 11% 12% TIR

A) VPN 71.5744551 A)

B) TIR 11.25% B)
EJERCICIO 26
VALOR PRESTAMO 4600000

INTERES 2.36%

PLAZO 6

VALOR CUOTAS 831,223.88

N PERIODOS SALDO CAPITAL ABONO INTERES CUOTAS


0 4600000 0
1 3,877,336.12 722,663.88 108560 831,223.88
2 3,137,617.38 739,718.74 91505.1325229 831,223.88
3 2,380,441.27 757,176.11 74047.7701734 831,223.88
4 1,605,395.81 775,045.46 56178.4140725 831,223.88
5 812,059.28 793,336.53 37887.3411675 831,223.88
6 - 812,059.28 19164.598942 831,223.88

EJERCICIO 2 EJERCICIO 3
0 0
1 110,000.00 1
2 111,500.00 2
3 113,000.00 3
4 114,500.00 4
5 116,000.00 5
6 117,500.00 6
7 119,000.00 7
8 120,500.00 8
9 122,000.00 9
10 123,500.00 10
11 125,000.00 11
12 126,500.00 12
13 128,000.00 13
14 129,500.00 14
15 131,000.00 15
16 132,500.00 16
17 134,000.00 17
18 135,500.00 18
19 137,000.00 19
20 138,500.00 20
21 140,000.00 21
22 141,500.00 22
23 143,000.00 23
24 144,500.00 3,322,739.14 € 24
25 146,000.00 25
26 147,500.00 26
27 149,000.00 27
28 150,500.00 28
29 152,000.00 29
30 153,500.00 30
31 155,000.00 31
32 156,500.00 32
33 158,000.00 33
34 159,500.00 34
35 161,000.00 35
36 162,500.00 36
37
38
39
40
41
42
43
44
45
46
47
48
EJERCICIO 32
AÑOS
1 2 3 0 1
-7000 38000 25000 -9000000 0

8% TIO 20%
11% 12% TIR 25%

VPN 7943.1997155 A) VPN

TIR 16.26% B) TIR


EJERCICIO 27
VALOR PRESTAMO 14,000,000.00

INTERES 1.16%

PLAZO 6

VALOR CUOTAS 2,428,977.08

N PERIODOS SALDO CAPITAL ABONO INTERES


0 14000000
1 11,733,422.92 2,266,577.08 162400
2 9,440,553.55 2,292,869.37 136107.705908
3 7,121,086.90 2,319,466.66 109510.421205
4 4,774,714.43 2,346,372.47 82604.6079989
5 2,401,124.04 2,373,590.39 55386.6873598
6 - 2,401,124.04 27853.0388413

EJERCICIO 4
0
210,000.00 1 89,000.00
213,500.00 2 90,300.00
217,000.00 3 91,600.00
220,500.00 4 92,900.00
224,000.00 5 94,200.00
227,500.00 6 95,500.00
231,000.00 7 96,800.00
234,500.00 8 98,100.00
238,000.00 9 99,400.00
241,500.00 10 100,700.00
245,000.00 11 102,000.00
248,500.00 12 103,300.00
252,000.00
255,500.00
259,000.00
262,500.00
266,000.00
269,500.00
273,000.00
276,500.00
280,000.00
283,500.00
287,000.00
290,500.00 7,733,141.85 € 977,501.57 €
294,000.00
297,500.00
301,000.00
304,500.00
308,000.00
311,500.00
315,000.00
318,500.00
322,000.00
325,500.00
329,000.00
332,500.00
336,000.00
339,500.00
343,000.00
346,500.00
350,000.00
353,500.00
357,000.00
360,500.00
364,000.00
367,500.00
371,000.00
374,500.00
AÑOS
2 3 4 5
5000000 -2000000 8000000 11000000

26%

1593492.7983539

25.21%
EJERCICIO 28
VALOR PRESTAMO 2000000

INTERES 2.54%

PLAZO 6

VALOR CUOTAS 363,585.83

CUOTAS N PERIODOS SALDO CAPITAL ABONO


0 0 2000000
2,428,977.08 1 1,687,214.17 312,785.83
2,428,977.08 2 1,366,483.58 320,730.59
2,428,977.08 3 1,037,606.43 328,877.15
2,428,977.08 4 700,375.80 337,230.63
2,428,977.08 5 354,579.51 345,796.29
2,428,977.08 6 - 354,579.51

EJERCICIO 1
0
1 310,000.00
2 319,000.00
3 328,000.00
4 337,000.00
5 346,000.00
6 355,000.00
7 364,000.00
8 373,000.00
9 382,000.00
10 391,000.00
11 400,000.00
12 409,000.00
13 418,000.00
14 427,000.00
15 436,000.00
16 445,000.00
17 454,000.00
18 463,000.00
19 472,000.00
20 481,000.00
21 490,000.00
22 499,000.00
23 508,000.00
24 517,000.00 6,902,131.80 €
EJERCICIO 29
VALOR PRESTAMO 1400000

INTERES 2.78%

PLAZO 6

VALOR CUOTAS 256,555.21

INTERES CUOTAS N PERIODOS SALDO CAPITAL ABONO


0 0 1400000
50800 363,585.83 1 1,182,364.79 217,635.21
42855.239872 363,585.83 2 958,679.32 223,685.47
34708.6828368 363,585.83 3 728,775.40 229,903.92
26355.2032529 363,585.83 4 492,480.15 236,295.25
17789.5452875 363,585.83 5 249,615.89 242,864.26
9006.31960988 363,585.83 6 - 249,615.89
INTERES CUOTAS
0
38920 256,555.21
32869.7411977 256,555.21
26651.2852007 256,555.21
20259.956127 256,555.21
13690.9481051 256,555.21
6939.32166013 256,555.21