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AMORTIZACIONES
1. Una deuda de $200,000 se debe amortizar en un ao y medio mediante
pagos trimestrales iguales vencidos. Si la tasa de inters es de 26.4%
capitalizable cada trimestre, encuentre el valor del pago trimestral y
elabore la tabla de amortizacin.
n= 1.5 aos= 6 trimestres
i=26.4% capitalizable trimestralmente=0.066
A=
Pi
1 (1 + i )
200000( 0.066)
1 (1.066)
13200
= $41,442.41
0.318514261
R: A= $41,442.41
Amortiza Interese
cin
s
Pago
Abonos
0
1
28,242.41 13200.00
30,106.41 11336.00
32,093.43
9348.98
34,211.60
7230.81
36,469.56
4972.85
38,876.56
2565.85
41,442.4
1
41,442.4
1
41,442.4
1
41,442.4
1
41,442.4
1
41,442.4
1
Saldo
$
200,000.00
$
171,757.59
$
141,651.18
$
109,557.75
$
75,346.15
$
38,876.59
$
0.03
A=
Pi
1 (1 + i )
70000( 0.025)
1 (1.025)
1750
= $9,762.71
0.179253429
R: A= $9,762.71
Pago
0
1
Amortiza Interese
cin
s
8,012.71
1750.00
Abonos
Saldo
$
70,000.00
9,762.71 $
61,987.29
$
2
8,213.03 1549.68 9,762.71 53,774.26
$
3
8,418.35 1344.36 9,762.71 45,355.91
$
4
8,628.81 1133.90 9,762.71 36,727.10
$
5
8,844.53
918.18 9,762.71 27,882.56
$
6
9,065.65
697.06 9,762.71 18,816.92
$
7
9,292.29
470.42 9,762.71 9,524.63
$
8
9,524.59
238.12 9,762.71 0.04
3. Una persona desea reunir $7800 para comprar una cmara fotogrfica
dentro de 4 meses. Cunto deber depositar cada fin de quincena en una
cuenta
bancaria
que
paga
14.22%
de
inters
capitalizable
quincenalmente? Elabore la tabla de capitalizacin
n= 4 meses
i=14.24% capitalizable quincenalmente=0.005925
( 7800)( 0.005925)
Fi
46.215
A=
= 954.96
=
=
n
8
(1 + i ) 1 (1.005925) 1 0.048394692
R: A=$954.96.
Pago
Depsit Interese
o
s
954.96
954.96
5.66
954.96
5.69
954.96
5.73
954.96
5.76
954.96
5.79
954.96
5.83
954.96
5.86
Suma al
fondo
Saldo
$
954.96 954.96
$
960.62 1,915.58
$
966.31 2,881.89
$
972.04 3,853.92
$
977.79 4,831.72
$
983.59 5,815.31
$
989.42 6,804.72
$
995.28 7,800.00
6
(1 + i ) n 1
0.022333333
R: F=$300,016.92.
Pago
0
1
2
3
4
5
6
Depsit
o
46,250.
00
46,250.
00
46,250.
00
46,250.
00
46,250.
00
46,250.
00
Intereses
saldo
Suma al
fondo
46,250.00
1032.92
47,282.92
2088.90
48,338.90
3168.47
49,418.47
4272.15
50,522.15
5400.48
51,650.48
6554.01
Saldo
$
46,250.00
$
93,532.92
$
141,871.82
$
191,290.29
$
241,812.44
$
293,462.92
$
300,016.92