Cálculo de Capitalizaciones y Tasas de Interés: Ejemplos de Monto Final y Pagos Mensuales, Ejercicios de Finanzas

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REVISION DE MATEMATICAS APLICADA A LOS NEGOCIOS Premio del inventor del ajedrez Primer casillero 1 grano de trigo Segundo casillero 2 Terecer casillero 4 Primer tèrmino a 1 Razòn r 2 Nùmero de tèrminos n 64 Suma de los tèrminos S 18446744073709600000 1 1 2 2 3 4 4 8 5 16 6 32 7 64 8 128 9 256 10 512 11 1024 12 2048 13 4096 14 8192 15 16384 16 32768 17 65536 18 131072 19 262144 20 524288 21 1048576 22 2097152 23 4194304 24 8388608 25 16777216 26 33554432 27 67108864 28 134217728 29 268435456 30 536870912 31 1073741824 32 2147483648 33 4294967296 34 8589934592 35 17179869184 36 34359738368 37 68719476736 38 137438953472 39 274877906944 40 549755813888 41 1099511627776 42 2199023255552 43 4398046511104 44 8796093022208 45 17592186044416 46 35184372088832 47 70368744177664 48 140737488355328 49 281474976710656 50 562949953421312 51 1125899906842624 52 2251799813685248 53 4503599627370496 54 9.00719925474099E+015 55 1.8014398509482E+016 56 3.6028797018964E+016 57 7.20575940379279E+016 58 1.44115188075856E+017 59 2.88230376151712E+017 60 5.76460752303424E+017 61 1.15292150460685E+018 62 2.30584300921369E+018 63 4.61168601842739E+018 64 9.22337203685478E+018 18446744073709600000 EJERCICIOS A INTERES COMPUESTO FORMULA DEL MONTO, VALOR FUTURO O VALOR ACUMULADO M = C*(1+i)^n FORMULA DEL CAPITAL, PRINCIPAL, VALOR PRESENTE O VALOR ACTUAL C = M/((1+I)^n) C = M*(1+I)^-n FORMULA DE LA TASA DE INTERES DEL PERIODO M = C*(1+i)^n M/C = (1+i)^n (M/C)^(1/n) = 1+i i= ((M/C)^(1/n))-1 FORMULA DEL TIEMPO M = C*(1+i)^n M/C = (1+i)^n log (M/C) = n*log(1+i) 16 25555.7382198635 164.42638919 25720.1646090535 17 25720.1646090535 165.484313529 25885.6489225824 18 25885.6489225824 166.549044585 26052.1979671673 19 26052.1979671673 167.620626153 26219.8185933198 20 26219.8185933198 168.699102308 26388.517695628 21 26388.517695628 169.784517412 26558.3022130401 22 26558.3022130401 170.876916109 26729.1791291494 23 26729.1791291494 171.976343333 26901.155472482 24 26901.155472482 173.082844304 27074.2383167858 25 27074.2383167858 174.196464536 27248.4347813214 26 27248.4347813214 175.317249833 27423.7520311549 27 27423.7520311549 176.445246298 27600.1972774526 28 27600.1972774526 177.580500325 27777.7777777778 29 27777.7777777778 178.723058611 27956.500836389 30 27956.500836389 179.872968152 28136.3738045407 31 28136.3738045407 181.030276245 28317.4040807854 32 28317.4040807854 182.195030493 28499.5991112783 33 28499.5991112783 183.367278805 28682.9663900833 34 28682.9663900833 184.547069398 28867.5134594813 35 28867.5134594813 185.734450799 29053.2479102805 36 29053.2479102805 186.929471848 29240.1773821287 37 29240.1773821287 188.132181698 29428.3095638271 38 29428.3095638271 189.34262982 29617.6521936473 39 29617.6521936473 190.560866002 29808.2130596488 40 29808.2130596488 191.786940351 30000 FORMULA DE LA TASA DE INTERES DEL PERIODO M = C*(1+i)^n M/C = (1+i)^n (M/C)^(1/n) = 1+i i= ((M/C)^(1/n))-1 3 Encontrar la tasa de interès del perìodo Hace 2 años y medio se depositò la suma de 10000 soles en una IFI y actualmente se ha acumulado la suma de 12000 soles. ¿Qué tasa de interès mensual, Tasa nominal anual y Tasa efectiva anual paga la IFI? Datos: Monto 12000 Capital 10000 Plazo en meses 30 Capitalizaciones en el años 12 Tasa de interès del perìodo (mensual) 0.61% i= ((M/C)^(1/n))-1 Tasa nominal anual 7.32% TEA 7.57% TEA = ((1+ip)^n 4 Encontrar el tiempo o plazo de la operaciòn n=log(M/C)/(log (1+i)) Durante cuànto tiempo se ha mantenido un capital de 10000 soles en una IFI que paga una TEA del 7%, capitalizable mensualmente para que se obtenga la suma de 20000 soles Datos: Monto 20000 Capital 10000 Capitalizaciones en el año 12 Tasa de interès del perìodo (mensual) 0.0057 ip = ((1+TEA)^(1/n))-1 TEA 7% Plazo en meses 122.937220213 n=log(M/C)/(log (1+i)) M/C 2 1+i 1.0057 CRONOGRAMA DE CAPITALIZACIONES Mes Capital Interes Capital + interès 1 10000 56.5414538741 10056.5414538741 2 10056.5414538741 56.8611474747 10113.4026013487 3 10113.4026013487 57.1826486694 10170.5852500181 4 10170.5852500181 57.5059676786 10228.0912176967 5 10228.0912176967 57.8311147805 10285.9223324772 6 10285.9223324772 58.1581003114 10344.0804327886 7 10344.0804327886 58.486934666 10402.5673674546 8 10402.5673674546 58.8176282979 10461.3849957525 9 10461.3849957525 59.1501917196 10520.5351874721 10 10520.5351874721 59.4846355033 10580.0198229754 11 10580.0198229754 59.8209702807 10639.8407932561 12 10639.8407932561 60.1592067439 10700 13 10700 60.4993556452 10760.4993556452 14 10760.4993556452 60.8414277979 10821.3407834431 15 10821.3407834431 61.1854340762 10882.5262175194 16 10882.5262175194 61.5313854161 10944.0576029355 17 10944.0576029355 61.8792928151 11005.9368957506 18 11005.9368957506 62.2291673332 11068.1660630838 19 11068.1660630838 62.5810200926 11130.7470831764 20 11130.7470831764 62.9348622787 11193.6819454551 21 11193.6819454551 63.29070514 11256.9726505951 22 11256.9726505951 63.6485599885 11320.6212105836 23 11320.6212105836 64.0084382004 11384.629648784 24 11384.629648784 64.370351216 11449 25 11449 64.7343105404 11513.7343105404 26 11513.7343105404 65.1003277438 11578.8346382842 27 11578.8346382842 65.4684144616 11644.3030527457 28 11644.3030527457 65.8385823952 11710.141635141 29 11710.141635141 66.2108433122 11776.3524784532 30 11776.3524784532 66.5852090465 11842.9376874997 31 11842.9376874997 66.9616914991 11909.8993789988 32 11909.8993789988 67.3403026382 11977.239681637 33 11977.239681637 67.7210544998 12044.9607361368 34 12044.9607361368 68.1039591877 12113.0646953245 35 12113.0646953245 68.4890288744 12181.5537241989 36 12181.5537241989 68.8762758011 12250.43 37 12250.43 69.2657122782 12319.6957122782 38 12319.6957122782 69.6573506858 12389.353062964 39 12389.353062964 70.0512034739 12459.4042664379 40 12459.4042664379 70.4472831629 12529.8515496008 41 12529.8515496008 70.845602344 12600.6971519449 42 12600.6971519449 71.2461736798 12671.9433256246 43 12671.9433256246 71.649009904 12743.5923355287 44 12743.5923355287 72.0541238229 12815.6464593516 45 12815.6464593516 72.4615283148 12888.1079876664 46 12888.1079876664 72.8712363308 12960.9792239972 47 12960.9792239972 73.2832608956 13034.2624848928 48 13034.2624848928 73.6976151072 13107.9601 49 13107.9601 74.1143121377 13182.0744121377 50 13182.0744121377 74.5333652338 13256.6077773715 51 13256.6077773715 74.9547877171 13331.5625650886 52 13331.5625650886 75.3785929843 13406.9411580729 53 13406.9411580729 75.8047945081 13482.745952581 54 13482.745952581 76.2334058373 13558.9793584184 55 13558.9793584184 76.6644405973 13635.6437990157 56 13635.6437990157 77.0979124905 13712.7417115062 57 13712.7417115062 77.5338352968 13790.275546803 58 13790.275546803 77.972222874 13868.247769677 59 13868.247769677 78.4130891583 13946.6608588353 60 13946.6608588353 78.8564481647 14025.517307 61 14025.517307 79.3023139873 14104.8196209874 62 14104.8196209874 79.7507008002 14184.5703217875 63 14184.5703217875 80.2016228573 14264.7719446448 64 14264.7719446448 80.6550944932 14345.427039138 65 14345.427039138 81.1111301237 14426.5381692617 66 14426.5381692617 81.569744246 14508.1079135077 67 14508.1079135077 82.0309514391 14590.1388649468 68 14590.1388649468 82.4947663648 14672.6336313116 69 14672.6336313116 82.9612037676 14755.5948350792 70 14755.5948350792 83.4302784752 14839.0251135544 71 14839.0251135544 83.9020053994 14922.9271189538 72 14922.9271189538 84.3763995362 15007.30351849 73 15007.30351849 84.8534759665 15092.1569944565 74 15092.1569944565 85.3332498562 15177.4902443127 75 15177.4902443127 85.8157364573 15263.3059807699 76 15263.3059807699 86.3009511077 15349.6069318777 77 15349.6069318777 86.7889092324 15436.39584111 78 15436.39584111 87.2796263432 15523.6754674532 79 15523.6754674532 87.7731180399 15611.4485854931 80 15611.4485854931 88.2694000104 15699.7179855035 81 15699.7179855035 88.7684880313 15788.4864735348 82 15788.4864735348 89.2703979684 15877.7568715032 83 15877.7568715032 89.7751457774 15967.5320172806 TOTAL PAGO TOTAL INTERES SE OBTIENE CREDITO DE 412000 PARA COMPRAR UN DEPARTAMENTO. EL PAGO SE REALIZARA CADA FIN DE MES DURANTE 20 AÑOS E INCLUYE UNA TEA DE 12.68% CALCULA EL PAGO MENSUAL Y CONSTRUIR EL CRONOGRAMA RESPECTIVO Monto 412000 TEA 12.68% Pago = Prèstamo/((1-(1+ip)^ - npp)/ip) PAGO EN EL AÑO 12 Tasa de interès del perìodo (mensual) 1.00% PLAZO DE PAGO EN MESES 240 PAGO MENSUAL 4535.83 CRONOGRAMA DE PAGOS MES PAGO MENSUAL DEUDA 1 4535.83 412000 2 4535.83 411583.40 3 4535.83 411162.63 4 4535.83 410737.66 5 4535.83 410308.44 6 4535.83 409874.93 7 4535.83 409437.08 8 4535.83 408994.85 9 4535.83 408548.21 10 4535.83 408097.09 11 4535.83 407641.47 12 4535.83 407181.29 13 4535.83 406716.51 14 4535.83 406247.09 15 4535.83 405772.97 16 4535.83 405294.11 17 4535.83 404810.46 18 4535.83 404321.98 19 4535.83 403828.61 20 4535.83 403330.31 21 4535.83 402827.03 22 4535.83 402318.72 23 4535.83 401805.32 24 4535.83 401286.80 25 4535.83 400763.08 26 4535.83 400234.13 27 4535.83 399699.90 28 4535.83 399160.32 29 4535.83 398615.34 30 4535.83 398064.92 31 4535.83 397509.00 32 4535.83 396947.51 33 4535.83 396380.42 34 4535.83 395807.65 35 4535.83 395229.15 36 4535.83 394644.88 37 4535.83 394054.76 38 4535.83 393458.74 39 4535.83 392856.76 40 4535.83 392248.76 41 4535.83 391634.69 42 4535.83 391014.47 43 4535.83 390388.05 44 4535.83 389755.37 45 4535.83 389116.37 46 4535.83 388470.97 47 4535.83 387819.13 48 4535.83 387160.76 49 4535.83 386495.81 50 4535.83 385824.22 51 4535.83 385145.91 52 4535.83 384460.82 53 4535.83 383768.88 54 4535.83 383070.02 55 4535.83 382364.17 56 4535.83 381651.27 57 4535.83 380931.24 58 4535.83 380204.01 59 4535.83 379469.51 60 4535.83 378727.66 61 4535.83 377978.40 62 4535.83 377221.65 63 4535.83 376457.33 64 4535.83 375685.37 65 4535.83 374905.69 66 4535.83 374118.21 67 4535.83 373322.86 68 4535.83 372519.56 69 4535.83 371708.23 70 4535.83 370888.79 71 4535.83 370061.15 72 4535.83 369225.24 73 4535.83 368380.97 74 4535.83 367528.27 75 4535.83 366667.03 76 4535.83 365797.18 77 4535.83 364918.64 78 4535.83 364031.32 79 4535.83 363135.12 80 4535.83 362229.96 81 4535.83 361315.75 82 4535.83 360392.40 83 4535.83 359459.82 84 4535.83 358517.92 85 4535.83 357566.60 86 4535.83 356605.76 87 4535.83 355635.32 88 4535.83 354655.18 89 4535.83 353665.24 90 4535.83 352665.40 91 4535.83 351655.57 92 4535.83 350635.63 93 4535.83 349605.50 94 4535.83 348565.07 95 4535.83 347514.24 96 4535.83 346452.91 97 4535.83 345380.96 98 4535.83 344298.29 99 4535.83 343204.80 100 4535.83 342100.37 101 4535.83 340984.91 102 4535.83 339858.29 103 4535.83 338720.41 104 4535.83 337571.15 105 4535.83 336410.40 106 4535.83 335238.04 107 4535.83 334053.96 108 4535.83 332858.05 109 4535.83 331650.18 110 4535.83 330430.23 111 4535.83 329198.08 112 4535.83 327953.62 113 4535.83 326696.71 114 4535.83 325427.23 115 4535.83 324145.07 116 4535.83 322850.08 117 4535.83 321542.15 118 4535.83 320221.14 119 4535.83 318886.92 120 4535.83 317539.36 121 4535.83 316178.33 122 4535.83 314803.69 123 4535.83 313415.31 124 4535.83 312013.05 125 4535.83 310596.77 126 4535.83 309166.32 127 4535.83 307721.58 128 4535.83 306262.39 225 4535.83 66758.80 226 4535.83 62890.44 227 4535.83 58983.39 228 4535.83 55037.29 229 4535.83 51051.73 230 4535.83 47026.32 231 4535.83 42960.66 232 4535.83 38854.36 233 4535.83 34707.00 234 4535.83 30518.17 235 4535.83 26287.47 236 4535.83 22014.46 237 4535.83 17698.74 238 4535.83 13339.86 239 4535.83 8937.40 240 4535.83 4490.93 1088599.31 total de pagos REVISION DE MATEMATICAS APLICADA A LOS NEGOCIOS Prog aritmetica Progre geometrica 2 2 4 4 6 8 8 16 10 32 12 64 14 128 16 256 S= (a*((r^n)-1))/(r-1) 18 512 20 1024 Conforme Formulas de int Monto o Valor acumul Capital o principal: Tasa de interés del pe Periodos (tiempo) El logaritmo de una potencia de un núrr igual al producto del logaritmo del nume exponente de la potencia. Loa,m” = n.Log,m OK Hace 2 años y medio se depositò la suma de 10000 soles en una IFI y actualmente se ha acumulado la suma de 12000 soles. ¿Qué tasa de interès mensual, Tasa nominal anual y Tasa efectiva anual Durante cuànto tiempo se ha mantenido un capital de 10000 soles en una IFI que paga una TEA del 10 años 3 meses SE OBTIENE UN CREDITO DE CONSUMO DE 10000 SOLES CON UNA TEA DE 26.82% AUN PLAZO DE 3 AÑOS, CON PAGOS DE CADA FIN DE MES . CALCULAR PAGO MENSUAL Y CONFECCIONAR EL CRONOGRAMA 3963.06308 572.767389 395807.65 3957.33648 578.493992 395229.15 3951.55262 584.277851 394644.88 3945.71093 590.119537 394054.76 3939.81084 596.019629 393458.74 3933.85176 601.978711 392856.76 3927.8331 607.997373 392248.76 3921.75426 614.07621 391634.69 3915.61465 620.215824 391014.47 3909.41365 626.416822 390388.05 3903.15065 632.679819 389755.37 3896.82504 639.005435 389116.37 3890.43618 645.394294 388470.97 3883.98344 651.847031 387819.13 3877.46619 658.364282 387160.76 3870.88378 664.946694 386495.81 3864.23555 671.594918 385824.22 3857.52086 678.309612 385145.91 3850.73903 685.09144 384460.82 3843.8894 691.941073 383768.88 3836.97128 698.85919 383070.02 3829.984 705.846475 382364.17 3822.92685 712.903621 381651.27 3815.79915 720.031324 380931.24 3808.60018 727.230291 380204.01 3801.32924 734.501234 379469.51 3793.9856 741.844873 378727.66 3786.56854 749.261935 377978.40 3779.07732 756.753154 377221.65 3771.5112 764.31927 376457.33 3763.86944 771.961034 375685.37 3756.15127 779.679201 374905.69 3748.35594 787.474535 374118.21 3740.48266 795.347809 373322.86 3732.53067 803.2998 372519.56 3724.49918 811.331296 371708.23 3716.38738 819.443092 370888.79 3708.19448 827.635991 370061.15 3699.91967 835.910803 369225.24 3691.56212 844.268348 368380.97 3683.12102 852.709454 367528.27 3674.59552 861.234954 366667.03 3665.98478 869.845693 365797.18 3657.28795 878.542524 364918.64 3648.50416 887.326307 364031.32 3639.63256 896.197911 363135.12 3630.67226 905.158214 362229.96 3621.62237 914.208104 361315.75 3612.48199 923.348476 360392.40 3603.25024 932.580234 359459.82 3593.92618 941.904293 358517.92 3584.5089 951.321575 357566.60 3574.99746 960.833012 356605.76 3565.39092 970.439546 355635.32 3555.68834 980.142127 354655.18 3545.88875 989.941716 353665.24 3535.99119 999.839282 352665.40 3525.99467 1009.83581 351655.57 3515.89819 1019.93228 350635.63 3505.70078 1030.12969 349605.50 3495.40141 1040.42906 348565.07 3484.99906 1050.83141 347514.24 3474.49271 1061.33776 346452.91 3463.88132 1071.94915 345380.96 3453.16383 1082.66664 344298.29 3442.33919 1093.49128 343204.80 3431.40632 1104.42415 342100.37 3420.36415 1115.46633 340984.91 3409.21157 1126.6189 339858.29 3397.94748 1137.88299 338720.41 3386.57078 1149.25969 337571.15 3375.08033 1160.75014 336410.40 3363.475 1172.35547 335238.04 3351.75364 1184.07683 334053.96 3339.91509 1195.91539 332858.05 3327.95817 1207.8723 331650.18 3315.8817 1219.94877 330430.23 3303.6845 1232.14597 329198.08 3291.36534 1244.46513 327953.62 3278.92302 1256.90746 326696.71 3266.35629 1269.47418 325427.23 3253.66392 1282.16655 324145.07 3240.84465 1294.98582 322850.08 3227.89722 1307.93325 321542.15 3214.82033 1321.01014 320221.14 3201.6127 1334.21777 318886.92 3188.27301 1347.55746 317539.36 3174.79996 1361.03051 316178.33 3161.1922 1374.63827 314803.69 3147.44839 1388.38208 313415.31 3133.56716 1402.26331 312013.05 3119.54715 1416.28332 310596.77 3105.38696 1430.44351 309166.32 3091.0852 1444.74527 307721.58 3076.64045 1459.19002 306262.39 3062.05128 1473.77919 304788.61 3047.31624 1488.51423 303300.09 3032.43388 1503.39659 301796.70 3017.40273 1518.42774 300278.27 3002.22129 1533.60918 298744.66 2986.88807 1548.9424 297195.72 2971.40154 1564.42893 295631.29 2955.76017 1580.0703 294051.22 2939.96242 1595.86805 292455.35 2924.00673 1611.82374 290843.53 2907.8915 1627.93897 289215.59 2891.61516 1644.21531 287571.37 2875.17608 1660.65439 285910.72 2858.57264 1677.25783 284233.46 2841.8032 1694.02727 282539.43 2824.86609 1710.96438 280828.47 2807.75965 1728.07082 279100.40 2790.48217 1745.3483 277355.05 2773.03195 1762.79852 275592.25 2755.40726 1780.42321 273811.83 2737.60636 1798.22411 272013.60 2719.62748 1816.20299 270197.40 2701.46884 1834.36163 268363.04 2683.12866 1852.70181 266510.34 2664.6051 1871.22537 264639.11 2645.89635 1889.93412 262749.18 2627.00054 1908.82993 260840.35 2607.91581 1927.91466 258912.43 2588.64027 1947.1902 256965.24 2569.172 1966.65847 254998.58 2549.5091 1986.32137 253012.26 2529.6496 2006.18087 251006.08 2509.59154 2026.23893 248979.84 2489.33294 2046.49753 246933.35 2468.87179 2066.95868 244866.39 2448.20607 2087.6244 242778.76 2427.33373 2108.49675 240670.27 2406.2527 2129.57777 238540.69 2384.9609 2150.86957 236389.82 2363.45623 2172.37424 234217.44 2341.73655 2194.09392 232023.35 2319.79971 2216.03076 229807.32 2297.64355 2238.18692 227569.13 2275.26586 2260.56461 225308.57 2252.66444 2283.16603 223025.40 2229.83705 2305.99342 220719.41 2206.78143 2329.04904 218390.36 2183.49529 2352.33518 216038.02 2159.97634 2375.85413 213662.17 ¡$5 n PRIMEROS TERMINOS t¡OGRESION GEOMETRICA: ) PG creciente ) PG decreciente erés compuesto ado: M=C(1+iy C=MEt+iy" aríodo: 'i="Y M/C -1 ¡=3(M/Cy'n— 4 n=LogM-Logc Log (1+i) lero positivo es aro y el 1<úmero positivo | indice de la Resultantes de la capitalizaciòn de intereses (Interseses sobre intereses) LABORATORIO FINANZAS T4 SABADO 8:45 AM Convertir Tasas Nominales a Tasas Efectivas anuales (TEA) 1 Convertir la TNA de 60%, si la capitalización se realiza: TASA NOMINAL ANUAL (TNA) N° de periodos en el año Tasa de interés del periodo Cada 2 días 180 0.33% Mensualmente 12 5.00% Cada 3 meses y medio 4.8 12.50% 2 Convertir tasas nominales a tasas efectivas anuales (TEA) Convertir la TNA de 84%, si la capitalización se realiza: TASA NOMINAL ANUAL (TNA) N° de periodos en el año Tasa de interés del periodo Cada 4 semanas 90 0.93% mensual 12 7.00% cada 75 dias 4.8 17.50% Cada Hora 8,640 0.01% 3 Convertir tasas efectivas anuales a tasa de periodo (ip) y a tasas nominales anuales (TNA) Que tasa del periodo y tasa nominal anual se obtiene si los periodos de capitalizacion TASA EFECTIVA ANUAL) TEA N° de periodos en el año Tasa de interés en el periodo Cada 8 días 45 1.05% Mensual 12 4.00% Cada 5 meses 2.4 21.66% 4 Que tasa del periodo y tasa nominal anual se obtiene si los periodos de capitalizacion TASA EFECTIVA ANUAL (TEA) N° de periodos en el año Tasa de interés en el periodo cada 12 días 30 2.15% Mensual 12 5.47% cada 100 días 3.6 19.41% 5 Monto a interés compuesto Se deposita 10000 soles por 3 años y 6 meses. La IFI que paga una TEA de 8%, capitalizable mensualmente. El dinero fue depositado a una cuenta plazo de 5 años. Cuáto se acumulo al final del periodo? Datos: Capital 10000 TEA 8.00% Capitalizaciones en el años 12 Tasa de interès del perìodo (mensual) 0.64% ip= ((1+TEA)^(1/n))-1 Plazo en meses 42 Monto 13091.3111214252 M = C*(1+i)^n CRONOGRAMA DE CAPITALIZACIONES Mes Capital Interes Capital + interès 1 10000 64.3403011000343 10064.3403011 2 10064.3403011 64.7542685345986 10129.0945696346 3 10129.0945696346 65.1708994481015 10194.2654690827 4 10194.2654690827 65.5902109774465 10259.8556800602 5 10259.8556800602 66.0122203697969 10325.86790043 6 10325.86790043 66.4369449832844 10392.3048454133 7 10392.3048454133 66.8644022877235 10459.169247701 8 10459.169247701 67.2946098653301 10526.4638575663 9 10526.4638575663 67.7275854114445 10594.1914429778 10 10594.1914429778 68.1633467352596 10662.354789713 11 10662.354789713 68.6019117605529 10730.9567014736 12 10730.9567014736 69.0432985264241 10800 13 10800 69.487525188037 10869.487525188 14 10869.487525188 69.9346100173665 10939.4221352054 15 10939.4221352054 70.3845714039496 11009.8067066093 16 11009.8067066093 70.8374278556422 11080.644134465 17 11080.644134465 71.2931979993807 11151.9373324644 18 11151.9373324644 71.7519005819471 11223.6892330463 19 11223.6892330463 72.2135544707413 11295.9027875171 20 11295.9027875171 72.6781786545565 11368.5809661716 21 11368.5809661716 73.1457922443601 11441.726758416 22 11441.726758416 73.6164144740803 11515.3431728901 23 11515.3431728901 74.0900647013971 11589.4332375915 24 11589.4332375915 74.5667624085379 11664 25 11664 75.04652720308 11739.0465272031 26 11739.0465272031 75.5293788187558 11814.5759060218 27 11814.5759060218 76.0153371162655 11890.5912431381 28 11890.5912431381 76.5044220840936 11967.0956652222 29 11967.0956652222 76.9966538393311 12044.0923190615 30 12044.0923190615 77.4920526285028 12121.58437169 31 12121.58437169 77.9906388284006 12199.5750105184 32 12199.5750105184 78.4924329469209 12278.0674434653 33 12278.0674434653 78.9974556239088 12357.0648990892 34 12357.0648990892 79.5057276320067 12436.5706267213 35 12436.5706267213 80.0172698775088 12516.5878965988 36 12516.5878965988 80.532103401221 12597.12 37 12597.12 81.0502493793263 12678.1702493793 38 12678.1702493793 81.5717291242562 12759.7419785036 39 12759.7419785036 82.0965640855667 12841.8385425891 40 12841.8385425891 82.6247758508211 12924.46331844 41 12924.46331844 83.1563861464776 13007.6197045864 42 13007.6197045864 83.6914168387831 13091.3111214252 Cálculo del pago fijo en créditos y elaboración de cronograma 6 Se obtiene un crédito de 400000 para compra de una vivienda para ser pagado en un plazo 16 años, se paga fin de mes una cuota fija que incluye una TEA del 9%. 86 3853.51 286716.80 87 3853.51 284929.75 88 3853.51 283129.82 89 3853.51 281316.91 90 3853.51 279490.94 91 3853.51 277651.81 92 3853.51 275799.42 93 3853.51 273933.69 94 3853.51 272054.50 95 3853.51 270161.77 96 3853.51 268255.41 97 3853.51 266335.30 98 3853.51 264401.35 99 3853.51 262453.46 100 3853.51 260491.54 101 3853.51 258515.47 102 3853.51 256525.16 103 3853.51 254520.51 104 3853.51 252501.41 105 3853.51 250467.75 106 3853.51 248419.44 107 3853.51 246356.37 108 3853.51 244278.43 109 3853.51 242185.51 110 3853.51 240077.51 111 3853.51 237954.31 112 3853.51 235815.81 113 3853.51 233661.90 114 3853.51 231492.46 115 3853.51 229307.39 116 3853.51 227106.57 117 3853.51 224889.89 118 3853.51 222657.23 119 3853.51 220408.48 120 3853.51 218143.52 121 3853.51 215862.24 122 3853.51 213564.52 123 3853.51 211250.23 124 3853.51 208919.27 125 3853.51 206571.50 126 3853.51 204206.82 127 3853.51 201825.09 128 3853.51 199426.20 129 3853.51 197010.01 130 3853.51 194576.42 131 3853.51 192125.28 132 3853.51 189656.48 133 3853.51 187169.88 134 3853.51 184665.36 135 3853.51 182142.79 136 3853.51 179602.04 137 3853.51 177042.98 138 3853.51 174465.47 139 3853.51 171869.39 140 3853.51 169254.59 141 3853.51 166620.95 142 3853.51 163968.33 143 3853.51 161296.59 144 3853.51 158605.59 145 3853.51 155895.20 146 3853.51 153165.28 147 3853.51 150415.68 148 3853.51 147646.26 149 3853.51 144856.88 150 3853.51 142047.40 151 3853.51 139217.67 152 3853.51 136367.54 153 3853.51 133496.87 154 3853.51 130605.52 155 3853.51 127693.32 156 3853.51 124760.13 157 3853.51 121805.81 158 3853.51 118830.19 159 3853.51 115833.12 160 3853.51 112814.46 161 3853.51 109774.04 162 3853.51 106711.70 163 3853.51 103627.29 164 3853.51 100520.66 165 3853.51 97391.63 166 3853.51 94240.05 167 3853.51 91065.75 168 3853.51 87868.58 169 3853.51 84648.37 170 3853.51 81404.94 171 3853.51 78138.14 172 3853.51 74847.80 173 3853.51 71533.74 174 3853.51 68195.79 175 3853.51 64833.79 176 3853.51 61447.55 177 3853.51 58036.91 178 3853.51 54601.69 179 3853.51 51141.71 180 3853.51 47656.79 181 3853.51 44146.76 182 3853.51 40611.42 183 3853.51 37050.61 184 3853.51 33464.13 185 3853.51 29851.81 186 3853.51 26213.45 187 3853.51 22548.86 188 3853.51 18857.87 189 3853.51 15140.27 190 3853.51 11395.88 191 3853.51 7624.50 192 3853.51 3825.94 739874.43 total de pagos Pago = Prèstamo/((1-(1+ip)^ - npp)/ip) INTERES A.CAPITAL SALDO 2882.92932645469 970.58 399029.42 2875.93401870345 977.58 398051.84 2868.88829350755 984.62 397067.21 2861.79178749216 991.72 396075.49 2854.64413466351 998.87 395076.62 2847.44496638997 1006.07 394070.56 2840.19391138308 1013.32 393057.24 2832.89059567837 1020.62 392036.62 2825.53464261609 1027.98 391008.64 2818.1256728218 1035.39 389973.25 2810.66330418676 1042.85 388930.40 2803.14715184826 1050.37 387880.04 2795.57682816977 1057.94 386822.10 2787.95194272091 1065.56 385756.54 2780.27210225738 1073.24 384683.30 2772.53691070062 1080.98 383602.32 2764.74596911739 1088.77 382513.56 2756.89887569923 1096.61 381416.94 2748.99522574171 1104.52 380312.43 2741.03461162358 1112.48 379199.95 2733.0166227857 1120.50 378079.45 2724.94084570992 1128.57 376950.88 2716.80686389772 1136.71 375814.17 2708.61425784876 1144.90 374669.28 2700.36260503921 1153.15 373516.13 2692.05147989996 1161.46 372354.66 2683.68045379471 1169.83 371184.83 2675.24909499783 1178.26 370006.57 2666.75696867211 1186.76 368819.81 2658.20363684632 1195.31 367624.50 2649.58865839263 1203.92 366420.58 2640.91158900386 1212.60 365207.98 2632.17198117057 1221.34 363986.64 2623.36938415797 1230.14 362756.49 2614.50334398268 1239.01 361517.49 2605.57340338931 1247.94 360269.55 2596.57910182689 1256.93 359012.61 2587.51997542511 1265.99 357746.62 2578.39555697039 1275.12 356471.50 2569.20537588179 1284.31 355187.20 2559.94895818676 1293.56 353893.63 2550.62582649665 1302.89 352590.75 2541.23549998212 1312.28 351278.47 2531.77749434837 1321.74 349956.73 2522.25132181008 1331.26 348625.47 2512.65649106635 1340.86 347284.62 2502.99250727528 1350.52 345934.10 2493.25887202851 1360.25 344573.84 2483.45508332547 1370.06 343203.78 2473.58063554753 1379.93 341823.85 2463.63501943188 1389.88 340433.97 2453.61772204531 1399.89 339034.08 2443.52822675773 1409.98 337624.10 2433.3660132155 1420.15 336203.95 2423.13055731467 1430.38 334773.57 2412.82133117388 1440.69 333332.88 2402.43780310715 1451.07 331881.80 2391.97943759648 1461.53 330420.27 2381.44569526422 1472.07 328948.20 2370.83603284524 1482.68 327465.52 2360.14990315893 1493.36 325972.16 2349.38675508097 1504.13 324468.03 2338.54603351491 1514.97 322953.07 2327.62717936355 1525.89 321427.18 2316.62962950008 1536.88 319890.30 2305.55281673906 1547.96 318342.34 2294.39616980715 1559.12 316783.22 2283.15911331369 1570.35 315212.87 2271.84106772095 1581.67 313631.20 2260.44144931432 1593.07 312038.13 2248.95967017215 1604.55 310433.57 2237.39513813547 1616.12 308817.46 2225.74725677739 1627.77 307189.69 2214.01542537241 1639.50 305550.19 2202.19903886542 1651.31 303898.88 2190.29748784043 1663.22 302235.67 2178.31015848925 1675.20 300560.46 2166.23643257973 1687.28 298873.19 2154.07568742396 1699.44 297173.75 2141.82729584608 1711.69 295462.06 2129.49062615 1724.02 293738.04 2117.06504208677 1736.45 292001.59 2104.54990282181 1748.96 290252.63 2091.94456290182 1761.57 288491.06 2079.24837222151 1774.26 286716.80 2066.46067599009 1787.05 284929.75 2053.58081469746 1799.93 283129.82 2040.60812408023 1812.90 281316.91 2027.54193508744 1825.97 279490.94 2014.38157384607 1839.13 277651.81 2001.12636162627 1852.39 275799.42 1987.77561480639 1865.74 273933.69 1974.32864483766 1879.18 272054.50 1960.78475820874 1892.73 270161.77 1947.14325640993 1906.37 268255.41 1933.40343589714 1920.11 266335.30 1919.56458805561 1933.95 264401.35 1905.62599916336 1947.89 262453.46 1891.58695035439 1961.93 260491.54 1877.44671758161 1976.07 258515.47 1863.20457157947 1990.31 256525.16 1848.85977782637 2004.65 254520.51 1834.4115965068 2019.10 252501.41 1819.85928247312 2033.65 250467.75 1805.2020852072 2048.31 248419.44 1790.43924878168 2063.07 246356.37 1775.57001182098 2077.94 244278.43 1760.59360746204 2092.92 242185.51 1745.50926331477 2108.00 240077.51 1730.31620142222 2123.20 237954.31 1715.01363822045 2138.50 235815.81 1699.60078449811 2153.91 233661.90 1684.07684535578 2169.44 231492.46 1668.44102016491 2185.07 229307.39 1652.69250252657 2200.82 227106.57 1636.83048022986 2216.68 224889.89 1620.85413521001 2232.66 222657.23 1604.7626435062 2248.75 220408.48 1588.55517521903 2264.96 218143.52 1572.23089446778 2281.28 215862.24 1555.78895934726 2297.72 213564.52 1539.22852188438 2314.28 211250.23 1522.54872799445 2330.96 208919.27 1505.7487174371 2347.76 206571.50 1488.82762377196 2364.69 204206.82 1471.78457431391 2381.73 201825.09 1454.61869008812 2398.89 199426.20 1437.32908578471 2416.18 197010.01 1419.91486971307 2433.60 194576.42 1402.37514375591 2451.14 192125.28 1384.7090033229 2468.80 189656.48 1366.91553730404 2486.60 187169.88 1348.99382802267 2504.52 184665.36