A B

0 -42,000 -80,000 35
1 -6000 -7000
2 34000 -8000
3 -9000
4 -5000
5
6
7

VAN -20253 -102211

CAUE S/. -5,343 S/. -20,995
 0 -118000
1 -12300
2 -12300
3 -12300
4 -12300
5 -12300
6 -12300
7 -12300
8 -92300
9 -12300
10 -12300
11 -12300
12 -38300
13 -12300
14 -12300
15 -12300
16 -92300
17 -12300
18 -12300
19 -12300
20 -12300
21 -12300
22 -12300
23 -12300
24 -300
VAN S/. -236,277.09
VAUE S/. -36,724.51
 A B
0 -120,000 -145000
1 -29999.996 -40000
2 -29999.996 -40000
3 -29999.996 -40000
4 -14999.996 -40000
5 -40000
6 -20000
VAN -204,850.7 S/. -307,920.94
VAUE S/. -64,624 S/. -70,700.92
VA 5000
P(mes) ? P 1030.2
TEM 1% Parte del capital + interes
n 5

PAGO SALDO
PERIODO INTERES AMORTIZACION CUOTA INSOLUTO
0 5000.00
1 50.00 980.20 1030.20 4019.80
2 40.20 990.00 1030.20 3029.80
3 30.30 999.90 1030.20 2029.90
4 20.30 1009.90 1030.20 1019.99
5 10.20 1020.00 1030.20 -0.01
Pago = +pago ( i,n, -prestamo)
Interes t= Saldot-1 *i
Amortizacion t =pago - interes t
Saldo deudor t = Saldo Deudor i-t - Amortizacion t

Una deuda de s7.2000,00vse va a pagar en 4 cuotas iguales a la TEA del 35%

.Elaborar la tabla de pago de la deuda

VA 2000
P(trim) ?
TEA 35% TET = 0.07791234
n 4 P 601.04

PAGO SALDO
PERIODO INTERES AMORTIZACION CUOTA INSOLUTO
0 2000.00
1 155.82 445.21 601.04 1554.79
2 121.14 479.90 601.04 1074.89
3 83.75 517.29 601.04 557.59
4 43.44 557.59 601.04 0.00

Una deuda de s7, 8000, se va a cancelar en 3 pagos anuales iguales al 20% A/B .
Elaborar la tabla de repago

VA 8000
P(anual) ?
TNAcb 20% TEB = 0.03333333
 n 3 TEA 0.21742617
P 3901.83

PAGO SALDO
PERIODO INTERES AMORTIZACION CUOTA INSOLUTO
0 8000.00
1 1739.41 2162.42 3901.83 5837.58
2 1269.24 2632.59 3901.83 3204.99
3 696.85 3204.99 3901.83 0.00

Un prestamo de s74,500 se va a cancelar en 4 pagos regularmente iguales pero

en la segunda se quiere pagar el doble de lo normal . Los pagos son semestrales
a la TES del 3% . Elaborar la correspondiente tabla de amortizacion .

(sem)

0 1 2 3 4

4500 = P FAS 3%, 4 + P FSA 3%,2

4500= P(1-1,05*

Continuara ( cuaderno de Liz y Josi )

Ejercicio resuelto pro el profe

Cuota Cuota doble
1 1 0.97087379
2 2 1.88519182 P 965.728586
3 1 0.91514166
4 1 0.88848705
4.65969431

PERIODO INTERES AMORTIZACION CUOTA INSOLUTO

0 4500.00
1 135.00 830.73 965.73 3669.27
2 110.08 1821.38 1931.46 1847.89
3 55.44 910.29 965.73 937.60
4 28.13 937.60 965.73 0.00

pago 1075.45308

PERIODO INTERES AMORTIZACION CUOTA INSOLUTO

0 4500.00
1 135.00 940.45 1075.45 3559.55
 2 106.79 2044.12 2150.91 1515.43
3 45.46 1029.99 1075.45 485.44
4 14.56 485.44 500.00 0.00

Un credito de s/1,000 se va pagar en 6 cuotas mensuales todas regulares , excepto la

segunda que se quiere sea la mitad y la cuarta que debe ser doble . Para una TEM del 2,2
-5 , elaborar la tabla de repago

Cuota Cuota doble

1 1 0.978474
2 0.5 0.478705 P 166.618104
3 1 0.936801
4 2 1.833270
5 1 0.896903
6 1 0.877596
6.001749

pago 1075.45308
PAGO SALDO
PERIODO INTERES AMORTIZACION CUOTA INSOLUTO
0 1000.00
1 22.00 144.62 166.62 855.38
2 18.82 64.49 83.31 790.89
3 17.40 149.22 166.62 641.67
4 14.12 319.12 333.24 322.55
5 7.10 159.52 166.62 163.03
6 3.59 163.03 166.62 -0.01

pago 5000
PAGO SALDO
PERIODO INTERES AMORTIZACION CUOTA INSOLUTO
0 1000.00
1 22.00 -22.00 0.00 1022.00
2 22.48 -22.48 0.00 1044.48
3 22.98 143.64 166.62 900.84
4 19.82 -19.82 0.00 920.66
5 20.25 146.37 166.62 774.30
6 17.03 149.59 166.62 624.71

Un prestamo vehicular para comprar un auto de $ 15,000 se financia por el

80% a la TEA del 42 % para ser pagado durante 5 aos En cuaotas mensuales
iguales con cuotas dobles en julio y diciembre . Determinar la cuota simple

TEM 0.02965254
 PAGO 500
(sem)

0 1 2 3 4

INTERES AMORTIZACION CUOTA saldo

PERIODO MES VECES 12000.00
1 ENERO 1 355.830485 500
2 FEBRERO 1 500
3 MARZO 1 500
4 ABRIL 1 500
5 MAYO 1 500
6 JUNIO 1 500
7 JULIO 1 500
8 AGOSTO 1 500
9 SEPTIEMBRE 1 500
10 OCTUBRE 1 500
11 NOVIEMBRE 1 500
12 DICIEMBRE 1 500
13 ENERO 1 500
14 FEBRERO 1 500
15 MARZO 1 500
16 ABRIL 1 500
17 MAYO 1 500
18 JUNIO 1 500
19 JULIO 1 500
20 AGOSTO 1 500
21 SEPTIEMBRE 1 500
22 OCTUBRE 1 500
23 NOVIEMBRE 1 500
24 DICIEMBRE 1 500
25 ENERO 1 500
26 FEBRERO 1 500
27 MARZO 1 500
28 ABRIL 1 500
29 MAYO 1 500
30 JUNIO 1 500
31 JULIO 1 500
32 AGOSTO 1 500
33 SEPTIEMBRE 1 500
34 OCTUBRE 1 500
35 NOVIEMBRE 1 500
36 DICIEMBRE 1 500
37 ENERO 1 500
38 FEBRERO 1 500
39 MARZO 1 500
40 ABRIL 1 500
41 MAYO 1 500
 42 JUNIO 1 500
43 JULIO 1 500
44 AGOSTO 1 500
45 SEPTIEMBRE 1 500
46 OCTUBRE 1 500
47 NOVIEMBRE 1 500
48 DICIEMBRE 1 500
49 ENERO 1 500
50 FEBRERO 1 500
51 MARZO 1 500
52 ABRIL 1 500
53 MAYO 1 500
54 JUNIO 1 500
55 JULIO 1 500
56 AGOSTO 1 500
57 SEPTIEMBRE 1 500
58 OCTUBRE 1 500
59 NOVIEMBRE 1 500
60 DICIEMBRE 1 500

Michael compro un duplex cuyo precio de contado es de us$ 1200000 , como el sueldo no alcanza
tiene que tomar un credito hipotecario cuyas condiciones son las sgte:Inicial 15 % ; TEA = 9% ;
Seguro de desgravamen 0,075% , portes y otros gastos $4,5 Determinar la tasa de costos Efeftivo
Anual que paga Michael .

TEM 0.00720732
TCEA 48.89 894.81
Periodo SegDesg Gastos Inters Amortiz. Cuota Saldo Pago total
0 102000
1 76.5 4.5 735.146978 159.66 894.81 101840.34 948.20
2 76 5.5 733.996246 160.81 894.81 101679.53
3 76.5 6.5 732.837221 161.97 894.81 101517.56
4 76.5 7.5 731.669842 163.14 894.81 101354.42
5 76.5 8.5 730.494049 164.31 894.81 101190.10
6 76.5 9.5 729.309782 165.50 894.81 101024.60
7 76.5 10.5 728.11698 166.69 894.81 100857.91
8 76.5 11.5 726.915581 167.89 894.81 100690.02
9 76.5 12.5 725.705522 169.10 894.81 100520.92
10 76.5 13.5 724.486743 170.32 894.81 100350.59
11 76.5 14.5 723.259179 171.55 894.81 100179.05
12 76.5 15.5 722.022768 172.79 894.81 100006.26
13 76.5 16.5 720.777446 174.03 894.81 99832.23
14 76.5 17.5 719.523149 175.29 894.81 99656.94
15 76.5 18.5 718.259811 176.55 894.81 99480.39
16 76.5 19.5 716.987368 177.82 894.81 99302.57
17 76.5 20.5 715.705754 179.10 894.81 99123.47
18 76.5 21.5 714.414903 180.39 894.81 98943.08
19 76.5 22.5 713.114748 181.69 894.81 98761.38
20 76.5 23.5 711.805223 183.00 894.81 98578.38
21 76.5 24.5 710.486259 184.32 894.81 98394.06
22 76.5 25.5 709.15779 185.65 894.81 98208.41
23 76.5 26.5 707.819746 186.99 894.81 98021.42
24 76.5 27.5 706.472058 188.34 894.81 97833.08
25 76.5 28.5 705.114656 189.69 894.81 97643.39
26 76.5 29.5 703.747472 191.06 894.81 97452.33
27 76.5 30.5 702.370434 192.44 894.81 97259.89
28 76.5 31.5 700.983471 193.82 894.81 97066.06
29 76.5 32.5 699.586511 195.22 894.81 96870.84
30 76.5 33.5 698.179484 196.63 894.81 96674.21
31 76.5 34.5 696.762315 198.05 894.81 96476.17
32 76.5 35.5 695.334933 199.47 894.81 96276.69
33 76.5 36.5 693.897263 200.91 894.81 96075.78
34 76.5 37.5 692.449231 202.36 894.81 95873.42
35 76.5 38.5 690.990763 203.82 894.81 95669.61
36 76.5 39.5 689.521783 205.29 894.81 95464.32
37 76.5 40.5 688.042215 206.77 894.81 95257.55
38 76.5 41.5 686.551984 208.26 894.81 95049.30
39 76.5 42.5 685.051013 209.76 894.81 94839.54
40 76.5 43.5 683.539223 211.27 894.81 94628.27
41 76.5 44.5 682.016537 212.79 894.81 94415.48
42 76.5 45.5 680.482877 214.33 894.81 94201.15
43 76.5 46.5 678.938164 215.87 894.81 93985.28
44 76.5 47.5 677.382317 217.43 894.81 93767.86
45 76.5 48.5 675.815256 218.99 894.81 93548.86
46 76.5 49.5 674.236902 220.57 894.81 93328.29
47 76.5 50.5 672.647171 222.16 894.81 93106.13
48 76.5 51.5 671.045983 223.76 894.81 92882.37
49 76.5 52.5 669.433255 225.38 894.81 92656.99
50 76.5 53.5 667.808903 227.00 894.81 92429.99
51 76.5 54.5 666.172844 228.64 894.81 92201.36
52 76.5 55.5 664.524993 230.28 894.81 91971.07
53 76.5 56.5 662.865266 231.94 894.81 91739.13
54 76.5 57.5 661.193576 233.61 894.81 91505.52
55 76.5 58.5 659.509838 235.30 894.81 91270.22
56 76.5 59.5 657.813965 236.99 894.81 91033.22
57 76.5 60.5 656.105869 238.70 894.81 90794.52
58 76.5 61.5 654.385463 240.42 894.81 90554.10
59 76.5 62.5 652.652656 242.16 894.81 90311.94
60 76.5 63.5 650.907361 243.90 894.81 90068.04
61 76.5 64.5 649.149487 245.66 894.81 89822.38
62 76.5 65.5 647.378944 247.43 894.81 89574.95
63 76.5 66.5 645.595639 249.21 894.81 89325.74
64 76.5 67.5 643.799482 251.01 894.81 89074.73
65 76.5 68.5 641.990379 252.82 894.81 88821.91
66 76.5 69.5 640.168238 254.64 894.81 88567.27
 67 76.5 70.5 638.332964 256.48 894.81 88310.80
68 76.5 71.5 636.484462 258.32 894.81 88052.47
69 76.5 72.5 634.622637 260.19 894.81 87792.29
70 76.5 73.5 632.747394 262.06 894.81 87530.23
71 76.5 74.5 630.858635 263.95 894.81 87266.28
72 76.5 75.5 628.956264 265.85 894.81 87000.42
73 76.5 76.5 627.040181 267.77 894.81 86732.66
74 76.5 77.5 625.110289 269.70 894.81 86462.96
75 76.5 78.5 623.166487 271.64 894.81 86191.32
76 76.5 79.5 621.208675 273.60 894.81 85917.72
77 76.5 80.5 619.236753 275.57 894.81 85642.14
78 76.5 81.5 617.250619 277.56 894.81 85364.59
79 76.5 82.5 615.25017 279.56 894.81 85085.03
80 76.5 83.5 613.235303 281.57 894.81 84803.45
81 76.5 84.5 611.205915 283.60 894.81 84519.85
82 76.5 85.5 609.1619 285.65 894.81 84234.21
83 76.5 86.5 607.103153 287.71 894.81 83946.50
84 76.5 87.5 605.029567 289.78 894.81 83656.72
85 76.5 88.5 602.941037 291.87 894.81 83364.85
86 76.5 89.5 600.837455 293.97 894.81 83070.88
87 76.5 90.5 598.718711 296.09 894.81 82774.79
88 76.5 91.5 596.584696 298.22 894.81 82476.57
89 76.5 92.5 594.435301 300.37 894.81 82176.20
90 76.5 93.5 592.270415 302.54 894.81 81873.66
91 76.5 94.5 590.089925 304.72 894.81 81568.94
92 76.5 95.5 587.893721 306.91 894.81 81262.02
93 76.5 96.5 585.681687 309.13 894.81 80952.90
94 76.5 97.5 583.45371 311.35 894.81 80641.54
95 76.5 98.5 581.209676 313.60 894.81 80327.94
96 76.5 99.5 578.949468 315.86 894.81 80012.09
97 76.5 100.5 576.672971 318.14 894.81 79693.95
98 76.5 101.5 574.380065 320.43 894.81 79373.52
99 76.5 102.5 572.070635 322.74 894.81 79050.78
100 76.5 103.5 569.744559 325.06 894.81 78725.72
101 76.5 104.5 567.401718 327.41 894.81 78398.31
102 76.5 105.5 565.041992 329.77 894.81 78068.55
103 76.5 106.5 562.665259 332.14 894.81 77736.40
104 76.5 107.5 560.271395 334.54 894.81 77401.87
105 76.5 108.5 557.860279 336.95 894.81 77064.92
106 76.5 109.5 555.431784 339.38 894.81 76725.54
107 76.5 110.5 552.985787 341.82 894.81 76383.72
108 76.5 111.5 550.522161 344.29 894.81 76039.43
109 76.5 112.5 548.040778 346.77 894.81 75692.67
110 76.5 113.5 545.541511 349.27 894.81 75343.40
111 76.5 114.5 543.024232 351.78 894.81 74991.61
112 76.5 115.5 540.488809 354.32 894.81 74637.29
113 76.5 116.5 537.935113 356.87 894.81 74280.42
114 76.5 117.5 535.363011 359.45 894.81 73920.98
115 76.5 118.5 532.772372 362.04 894.81 73558.94
116 76.5 119.5 530.163061 364.65 894.81 73194.29
117 76.5 120.5 527.534944 367.27 894.81 72827.02
118 76.5 121.5 524.887885 369.92 894.81 72457.10
119 76.5 122.5 522.221748 372.59 894.81 72084.51
120 76.5 123.5 519.536395 375.27 894.81 71709.24
121 76.5 124.5 516.831688 377.98 894.81 71331.26
122 76.5 125.5 514.107487 380.70 894.81 70950.56
123 76.5 126.5 511.363652 383.44 894.81 70567.12
124 76.5 127.5 508.600042 386.21 894.81 70180.91
125 76.5 128.5 505.816513 388.99 894.81 69791.92
126 76.5 129.5 503.012922 391.80 894.81 69400.12
127 76.5 130.5 500.189125 394.62 894.81 69005.50
128 76.5 131.5 497.344976 397.46 894.81 68608.04
129 76.5 132.5 494.480329 400.33 894.81 68207.71
130 76.5 133.5 491.595034 403.21 894.81 67804.50
131 76.5 134.5 488.688945 406.12 894.81 67398.38
132 76.5 135.5 485.76191 409.05 894.81 66989.33
133 76.5 136.5 482.81378 411.99 894.81 66577.34
134 76.5 137.5 479.844401 414.96 894.81 66162.37
135 76.5 138.5 476.853621 417.95 894.81 65744.42
136 76.5 139.5 473.841285 420.97 894.81 65323.45
137 76.5 140.5 470.807239 424.00 894.81 64899.45
138 76.5 141.5 467.751325 427.06 894.81 64472.39
139 76.5 142.5 464.673386 430.14 894.81 64042.26
140 76.5 143.5 461.573264 433.24 894.81 63609.02
141 76.5 144.5 458.450798 436.36 894.81 63172.67
142 76.5 145.5 455.305827 439.50 894.81 62733.16
143 76.5 146.5 452.13819 442.67 894.81 62290.49
144 76.5 147.5 448.947722 445.86 894.81 61844.63
145 76.5 148.5 445.73426 449.07 894.81 61395.56
146 76.5 149.5 442.497637 452.31 894.81 60943.25
147 76.5 150.5 439.237687 455.57 894.81 60487.68
148 76.5 151.5 435.954241 458.85 894.81 60028.82
149 76.5 152.5 432.64713 462.16 894.81 59566.66
150 76.5 153.5 429.316184 465.49 894.81 59101.17
151 76.5 154.5 425.961231 468.85 894.81 58632.32
152 76.5 155.5 422.582098 472.23 894.81 58160.10
153 76.5 156.5 419.17861 475.63 894.81 57684.47
154 76.5 157.5 415.750592 479.06 894.81 57205.41
155 76.5 158.5 412.297867 482.51 894.81 56722.90
156 76.5 159.5 408.820257 485.99 894.81 56236.91
157 76.5 160.5 405.317583 489.49 894.81 55747.42
158 76.5 161.5 401.789664 493.02 894.81 55254.40
159 76.5 162.5 398.236318 496.57 894.81 54757.83
160 76.5 163.5 394.657363 500.15 894.81 54257.68
161 76.5 164.5 391.052612 503.76 894.81 53753.92
162 76.5 165.5 387.421881 507.39 894.81 53246.53
163 76.5 166.5 383.764982 511.04 894.81 52735.49
164 76.5 167.5 380.081726 514.73 894.81 52220.76
165 76.5 168.5 376.371925 518.44 894.81 51702.33
166 76.5 169.5 372.635385 522.17 894.81 51180.15
167 76.5 170.5 368.871915 525.94 894.81 50654.22
168 76.5 171.5 365.08132 529.73 894.81 50124.49
169 76.5 172.5 361.263406 533.55 894.81 49590.94
170 76.5 173.5 357.417974 537.39 894.81 49053.55
171 76.5 174.5 353.544827 541.26 894.81 48512.29
172 76.5 175.5 349.643765 545.16 894.81 47967.13
173 76.5 176.5 345.714587 549.09 894.81 47418.03
174 76.5 177.5 341.75709 553.05 894.81 46864.98
175 76.5 178.5 337.77107 557.04 894.81 46307.94
176 76.5 179.5 333.756322 561.05 894.81 45746.89
177 76.5 180.5 329.712638 565.10 894.81 45181.80
178 76.5 181.5 325.639809 569.17 894.81 44612.63
179 76.5 182.5 321.537627 573.27 894.81 44039.36
180 76.5 183.5 317.405879 577.40 894.81 43461.95
181 76.5 184.5 313.244352 581.56 894.81 42880.39
182 76.5 185.5 309.052832 585.76 894.81 42294.63
183 76.5 186.5 304.831101 589.98 894.81 41704.66
184 76.5 187.5 300.578944 594.23 894.81 41110.43
185 76.5 188.5 296.29614 598.51 894.81 40511.91
186 76.5 189.5 291.982468 602.83 894.81 39909.09
187 76.5 190.5 287.637706 607.17 894.81 39301.92
188 76.5 191.5 283.261631 611.55 894.81 38690.37
189 76.5 192.5 278.854015 615.95 894.81 38074.42
190 76.5 193.5 274.414632 620.39 894.81 37454.02
191 76.5 194.5 269.943253 624.87 894.81 36829.16
192 76.5 195.5 265.439648 629.37 894.81 36199.79
193 76.5 196.5 260.903584 633.90 894.81 35565.88
194 76.5 197.5 256.334826 638.47 894.81 34927.41
195 76.5 198.5 251.73314 643.08 894.81 34284.34
196 76.5 199.5 247.098289 647.71 894.81 33636.63
197 76.5 200.5 242.430032 652.38 894.81 32984.25
198 76.5 201.5 237.72813 657.08 894.81 32327.17
199 76.5 202.5 232.99234 661.82 894.81 31665.35
200 76.5 203.5 228.222417 666.59 894.81 30998.76
201 76.5 204.5 223.418116 671.39 894.81 30327.37
202 76.5 205.5 218.579189 676.23 894.81 29651.14
203 76.5 206.5 213.705386 681.10 894.81 28970.04
204 76.5 207.5 208.796456 686.01 894.81 28284.03
205 76.5 208.5 203.852146 690.96 894.81 27593.07
206 76.5 209.5 198.872201 695.94 894.81 26897.14
207 76.5 210.5 193.856363 700.95 894.81 26196.18
208 76.5 211.5 188.804375 706.00 894.81 25490.18
209 76.5 212.5 183.715975 711.09 894.81 24779.09
210 76.5 213.5 178.590902 716.22 894.81 24062.87
211 76.5 214.5 173.42889 721.38 894.81 23341.49
212 76.5 215.5 168.229675 726.58 894.81 22614.91
213 76.5 216.5 162.992987 731.82 894.81 21883.10
214 76.5 217.5 157.718556 737.09 894.81 21146.01
215 76.5 218.5 152.406111 742.40 894.81 20403.60
216 76.5 219.5 147.055377 747.75 894.81 19655.85
217 76.5 220.5 141.666079 753.14 894.81 18902.71
218 76.5 221.5 136.237939 758.57 894.81 18144.14
219 76.5 222.5 130.770676 764.04 894.81 17380.10
220 76.5 223.5 125.264008 769.54 894.81 16610.56
221 76.5 224.5 119.717653 775.09 894.81 15835.47
222 76.5 225.5 114.131323 780.68 894.81 15054.79
223 76.5 226.5 108.50473 786.30 894.81 14268.49
224 76.5 227.5 102.837585 791.97 894.81 13476.51
225 76.5 228.5 97.1295953 797.68 894.81 12678.84
226 76.5 229.5 91.380466 803.43 894.81 11875.41
227 76.5 230.5 85.5899008 809.22 894.81 11066.19
228 76.5 231.5 79.7576011 815.05 894.81 10251.14
229 76.5 232.5 73.8832661 820.93 894.81 9430.21
230 76.5 233.5 67.9665929 826.84 894.81 8603.37
231 76.5 234.5 62.0072764 832.80 894.81 7770.57
232 76.5 235.5 56.0050091 838.80 894.81 6931.77
233 76.5 236.5 49.9594815 844.85 894.81 6086.92
234 76.5 237.5 43.8703819 850.94 894.81 5235.98
235 76.5 238.5 37.7373962 857.07 894.81 4378.91
236 76.5 239.5 31.560208 863.25 894.81 3515.66
237 76.5 240.5 25.3384989 869.47 894.81 2646.19
238 76.5 241.5 19.0719478 875.74 894.81 1770.45
239 76.5 242.5 12.7602318 882.05 894.81 888.41
240 76.5 243.5 6.4030251 888.41 894.81 0.00

Dereck quiere comprase una casaca al contado le cuesta s/,200 pero encuentra la oferta CMR , con la
tarketa la puede pagar con S7. 50 de inical y s/ 3 cueots de s/65 . Ademas debe abonar en cada pago
s7. 4 de gaastos operativos . Hallar la TCEA

0
1
2
3
 no alcanza
A = 9% ;
os Efeftivo

tcem 0.79%
TCEA 0.09902948
ta CMR , con la
r en cada pago