ANTONY DANIEL ZAMBRANO MARTINEZ

Cable Color de Honduras, tiene que pagar dentro de 5 años la cantidad de L 750 millones con el 1,5% efectivo mensual.
Para poder pagar esta cantidad los directivos abren una cuenta en un banco de la localidad con un deposito inicial de L
500,000.00 y deciden realizar depósitos mensuales en la cuenta, si esta les paga una tasa de un 12,5% capitalizable
mensualmente. Hoy han transcurrido tres años desde que se abrió la cuenta, y el banco baja la tasa de interés al 8.5%
capitalizable trimestralmente; de cuanto serán los depósitos mensuales antes y después de que el banco baje la tasa de
interés. Realizar el Cuadro del fondo

VF 750,000,000.00
PLAZO 5 AÑOS 60 CONVERSION DE TASA
TASA 1.50% efeva mens 12.50% 1.0417%

DEPOSITO INICIAL 500,000.00 8.50% 0.02125 0.7034%

TASA 1.5000% TASA 1.0417%

NPER 60 NPER 60
PAGO 0 VA - 500,000.00
VA - 750,000,000.00 VF 1,832,414,831.77
VF 1,832,414,831.77 PAGO - 22,126,652.22

TASA 1.0417% TASA 0.7034%

NPER 36 NPER 24
PAGO - 22,126,652.22 VA - 961,211,031.41
VA - 500,000.00 VF 1,832,414,831.77 €
VF 961,211,031.41 PAGO - 26,688,708.80

PERIODO DEPOSITO INTERES AMORTIZACION FONDO SALDO INSOLUTO

0 500,000.00 0 500,000.00 500,000.00 1,831,914,831.77
1 22,126,652.22 5,208.33 22,131,860.56 22,631,860.56 1,809,782,971.21
2 22,126,652.22 235,748.55 22,362,400.77 44,994,261.32 1,787,420,570.44
3 22,126,652.22 468,690.22 22,595,342.44 67,589,603.77 1,764,825,228.00
4 22,126,652.22 704,058.37 22,830,710.59 90,420,314.36 1,741,994,517.40
5 22,126,652.22 941,878.27 23,068,530.50 113,488,844.86 1,718,925,986.91
6 22,126,652.22 1,182,175.47 23,308,827.69 136,797,672.55 1,695,617,159.22
7 22,126,652.22 1,424,975.76 23,551,627.98 160,349,300.53 1,672,065,531.24
8 22,126,652.22 1,670,305.21 23,796,957.44 184,146,257.96 1,648,268,573.81
9 22,126,652.22 1,918,190.19 24,044,842.41 208,191,100.37 1,624,223,731.40
10 22,126,652.22 2,168,657.30 24,295,309.52 232,486,409.89 1,599,928,421.88
11 22,126,652.22 2,421,733.44 24,548,385.66 257,034,795.55 1,575,380,036.22
12 22,126,652.22 2,677,445.79 24,804,098.01 281,838,893.55 1,550,575,938.21
13 22,126,652.22 2,935,821.81 25,062,474.03 306,901,367.58 1,525,513,464.18
14 22,126,652.22 3,196,889.25 25,323,541.47 332,224,909.05 1,500,189,922.72
15 22,126,652.22 3,460,676.14 25,587,328.36 357,812,237.41 1,474,602,594.36
16 22,126,652.22 3,727,210.81 25,853,863.03 383,666,100.44 1,448,748,731.33
17 22,126,652.22 3,996,521.88 26,123,174.10 409,789,274.54 1,422,625,557.23
18 22,126,652.22 4,268,638.28 26,395,290.50 436,184,565.04 1,396,230,266.73
19 22,126,652.22 4,543,589.22 26,670,241.44 462,854,806.48 1,369,560,025.29
20 22,126,652.22 4,821,404.23 26,948,056.46 489,802,862.93 1,342,611,968.83
21 22,126,652.22 5,102,113.16 27,228,765.38 517,031,628.31 1,315,383,203.46
22 22,126,652.22 5,385,746.13 27,512,398.35 544,544,026.66 1,287,870,805.11
23 22,126,652.22 5,672,333.61 27,798,985.83 572,343,012.49 1,260,071,819.27
24 22,126,652.22 5,961,906.38 28,088,558.60 600,431,571.09 1,231,983,260.67
25 22,126,652.22 6,254,495.53 28,381,147.75 628,812,718.85 1,203,602,112.92
26 22,126,652.22 6,550,132.49 28,676,784.71 657,489,503.56 1,174,925,328.21
27 22,126,652.22 6,848,849.00 28,975,501.22 686,465,004.78 1,145,949,826.99
28 22,126,652.22 7,150,677.13 29,277,329.35 715,742,334.13 1,116,672,497.64
29 22,126,652.22 7,455,649.31 29,582,301.54 745,324,635.67 1,087,090,196.10
30 22,126,652.22 7,763,798.29 29,890,450.51 775,215,086.18 1,057,199,745.59
31 22,126,652.22 8,075,157.15 30,201,809.37 805,416,895.55 1,026,997,936.22
32 22,126,652.22 8,389,759.33 30,516,411.55 835,933,307.10 996,481,524.67
33 22,126,652.22 8,707,638.62 30,834,290.84 866,767,597.93 965,647,233.83
34 22,126,652.22 9,028,829.15 31,155,481.37 897,923,079.30 934,491,752.47
35 22,126,652.22 9,353,365.41 31,480,017.63 929,403,096.93 903,011,734.84
36 22,126,652.22 9,681,282.26 31,807,934.48 961,211,031.41 871,203,800.35
37 26,688,708.80 6,760,912.12 33,449,620.92 994,660,652.33 837,754,179.44
38 26,688,708.80 6,996,188.18 33,684,896.98 1,028,345,549.31 804,069,282.46
39 26,688,708.80 7,233,119.12 33,921,827.92 1,062,267,377.22 770,147,454.54
40 26,688,708.80 7,471,716.56 34,160,425.36 1,096,427,802.59 735,987,029.18
41 26,688,708.80 7,711,992.24 34,400,701.04 1,130,828,503.63 701,586,328.14
42 26,688,708.80 7,953,957.96 34,642,666.76 1,165,471,170.39 666,943,661.38
43 26,688,708.80 8,197,625.60 34,886,334.40 1,200,357,504.79 632,057,326.98
44 26,688,708.80 8,443,007.14 35,131,715.94 1,235,489,220.72 596,925,611.04
45 26,688,708.80 8,690,114.63 35,378,823.43 1,270,868,044.15 561,546,787.62
46 26,688,708.80 8,938,960.21 35,627,669.01 1,306,495,713.16 525,919,118.61
47 26,688,708.80 9,189,556.11 35,878,264.90 1,342,373,978.06 490,040,853.71
48 26,688,708.80 9,441,914.63 36,130,623.42 1,378,504,601.48 453,910,230.28
49 26,688,708.80 9,696,048.18 36,384,756.97 1,414,889,358.46 417,525,473.31
50 26,688,708.80 9,951,969.23 36,640,678.03 1,451,530,036.49 380,884,795.28
51 26,688,708.80 10,209,690.38 36,898,399.17 1,488,428,435.66 343,986,396.11
52 26,688,708.80 10,469,224.26 37,157,933.06 1,525,586,368.72 306,828,463.05
53 26,688,708.80 10,730,583.64 37,419,292.44 1,563,005,661.16 269,409,170.61
54 26,688,708.80 10,993,781.36 37,682,490.15 1,600,688,151.31 231,726,680.46
55 26,688,708.80 11,258,830.34 37,947,539.14 1,638,635,690.45 193,779,141.32
56 26,688,708.80 11,525,743.61 38,214,452.40 1,676,850,142.85 155,564,688.92
57 26,688,708.80 11,794,534.27 38,483,243.07 1,715,333,385.92 117,081,445.85
58 26,688,708.80 12,065,215.55 38,753,924.34 1,754,087,310.26 78,327,521.50
59 26,688,708.80 12,337,800.72 39,026,509.52 1,793,113,819.78 39,301,011.99
60 26,688,708.80 12,612,303.19 39,301,011.99 1,832,414,831.77 0.00
 Inversionistas Coreanos desean realizar desarrollos en infraestructura Hotelera en el País y en materia de energía, por
la cantidad de $2,050 millones dentro de 5 años; para llegar a esta cantidad, abren una cuenta de inversiones en una
financiera, haciendo un depósito inicial de $100 millones; luego se piensa hacer reservas mensualmente
incrementando el 0,15%. Si la financiera le paga el 2,5% capitalizable trimestralmente, se pide: a.- Desarrollar la tabla
del fondo de amortización para los depósitos
MONTO 2,050,000,000.00 € 60
PLAZO 5 AÑOS CONVERSION DE TASA
DEPOSITO 100,000,000.00 € 2.50% 0.00625
g+ 0.15% 0.002079008

((1+G)^(N))-((1+i)^(N)) 100,000,000.00
VF = PMT +
G-i

((1+0.15%)^(60))-((1+0.0020%)^(60)) (1+0.00207)60
2,050,000,000.00 = PMT + 100,000,000.00
0.15%-0.207%

2,050,000,000.00 = PMT -0.038607235 + 113,270,773.84

-0.057901%
2,050,000,000.00 = PMT 66.67823408 +
2,050,000,000.00 = PMT 1,936,729,226.16
PMT = L29,045,898.60

PERIODO DEPOSITO INTERES AMORTIZACION FONDO SALDO INSOLUTO

0 100,000,000.00 0 100,000,000.00 100,000,000.00 1,950,000,000.00
1 29,045,898.60 207,900.81 29,253,799.41 129,253,799.41 1,920,746,200.59
2 29,089,467.45 268,719.69 29,358,187.14 158,611,986.55 1,891,388,013.45
3 29,133,101.65 329,755.60 29,462,857.25 188,074,843.80 1,861,925,156.20
4 29,176,801.30 391,009.12 29,567,810.42 217,642,654.22 1,832,357,345.78
5 29,220,566.51 452,480.83 29,673,047.34 247,315,701.56 1,802,684,298.44
6 29,264,397.36 514,171.34 29,778,568.69 277,094,270.26 1,772,905,729.74
7 29,308,293.95 576,081.22 29,884,375.17 306,978,645.43 1,743,021,354.57
8 29,352,256.39 638,211.08 29,990,467.47 336,969,112.90 1,713,030,887.10
9 29,396,284.78 700,561.50 30,096,846.28 367,065,959.18 1,682,934,040.82
10 29,440,379.20 763,133.09 30,203,512.29 397,269,471.48 1,652,730,528.52
11 29,484,539.77 825,926.43 30,310,466.21 427,579,937.69 1,622,420,062.31
12 29,528,766.58 888,942.14 30,417,708.72 457,997,646.41 1,592,002,353.59
13 29,573,059.73 952,180.80 30,525,240.53 488,522,886.94 1,561,477,113.06
14 29,617,419.32 1,015,643.02 30,633,062.34 519,155,949.29 1,530,844,050.71
15 29,661,845.45 1,079,329.40 30,741,174.86 549,897,124.14 1,500,102,875.86
16 29,706,338.22 1,143,240.56 30,849,578.78 580,746,702.92 1,469,253,297.08
17 29,750,897.73 1,207,377.08 30,958,274.81 611,704,977.72 1,438,295,022.28
18 29,795,524.07 1,271,739.58 31,067,263.66 642,772,241.38 1,407,227,758.62
19 29,840,217.36 1,336,328.67 31,176,546.03 673,948,787.41 1,376,051,212.59
20 29,884,977.69 1,401,144.96 31,286,122.65 705,234,910.06 1,344,765,089.94
21 29,929,805.15 1,466,189.06 31,395,994.22 736,630,904.28 1,313,369,095.72
22 29,974,699.86 1,531,461.59 31,506,161.45 768,137,065.73 1,281,862,934.27
23 30,019,661.91 1,596,963.15 31,616,625.06 799,753,690.79 1,250,246,309.21
24 30,064,691.40 1,662,694.37 31,727,385.77 831,481,076.57 1,218,518,923.43
25 30,109,788.44 1,728,655.86 31,838,444.30 863,319,520.87 1,186,680,479.13
26 30,154,953.12 1,794,848.25 31,949,801.37 895,269,322.24 1,154,730,677.76
27 30,200,185.55 1,861,272.14 32,061,457.69 927,330,779.93 1,122,669,220.07
28 30,245,485.83 1,927,928.17 32,173,414.00 959,504,193.93 1,090,495,806.07
29 30,290,854.06 1,994,816.96 32,285,671.02 991,789,864.95 1,058,210,135.05
30 30,336,290.34 2,061,939.13 32,398,229.47 1,024,188,094.41 1,025,811,905.59
31 30,381,794.78 2,129,295.31 32,511,090.08 1,056,699,184.50 993,300,815.50
32 30,427,367.47 2,196,886.13 32,624,253.59 1,089,323,438.09 960,676,561.91
33 30,473,008.52 2,264,712.21 32,737,720.73 1,122,061,158.82 927,938,841.18
34 30,518,718.03 2,332,774.20 32,851,492.23 1,154,912,651.05 895,087,348.95
35 30,564,496.11 2,401,072.71 32,965,568.82 1,187,878,219.87 862,121,780.13
36 30,610,342.85 2,469,608.40 33,079,951.25 1,220,958,171.12 829,041,828.88
37 30,656,258.37 2,538,381.88 33,194,640.25 1,254,152,811.37 795,847,188.63
38 30,702,242.76 2,607,393.81 33,309,636.56 1,287,462,447.94 762,537,552.06
39 30,748,296.12 2,676,644.81 33,424,940.93 1,320,887,388.87 729,112,611.13
40 30,794,418.56 2,746,135.53 33,540,554.10 1,354,427,942.96 695,572,057.04
41 30,840,610.19 2,815,866.61 33,656,476.81 1,388,084,419.77 661,915,580.23
42 30,886,871.11 2,885,838.70 33,772,709.81 1,421,857,129.58 628,142,870.42
43 30,933,201.41 2,956,052.44 33,889,253.85 1,455,746,383.43 594,253,616.57
44 30,979,601.22 3,026,508.47 34,006,109.69 1,489,752,493.11 560,247,506.89
45 31,026,070.62 3,097,207.45 34,123,278.06 1,523,875,771.18 526,124,228.82
46 31,072,609.72 3,168,150.02 34,240,759.74 1,558,116,530.92 491,883,469.08
47 31,119,218.64 3,239,336.83 34,358,555.47 1,592,475,086.39 457,524,913.61
48 31,165,897.47 3,310,768.55 34,476,666.01 1,626,951,752.40 423,048,247.60
49 31,212,646.31 3,382,445.81 34,595,092.12 1,661,546,844.52 388,453,155.48
50 31,259,465.28 3,454,369.29 34,713,834.57 1,696,260,679.09 353,739,320.91
51 31,306,354.48 3,526,539.63 34,832,894.11 1,731,093,573.20 318,906,426.80
52 31,353,314.01 3,598,957.50 34,952,271.51 1,766,045,844.71 283,954,155.29
53 31,400,343.98 3,671,623.55 35,071,967.53 1,801,117,812.24 248,882,187.76
54 31,447,444.50 3,744,538.45 35,191,982.95 1,836,309,795.19 213,690,204.81
55 31,494,615.66 3,817,702.87 35,312,318.54 1,871,622,113.73 178,377,886.27
56 31,541,857.59 3,891,117.47 35,432,975.05 1,907,055,088.78 142,944,911.22
57 31,589,170.37 3,964,782.91 35,553,953.28 1,942,609,042.07 107,390,957.93
58 31,636,554.13 4,038,699.86 35,675,253.99 1,978,284,296.06 71,715,703.94
59 31,684,008.96 4,112,869.00 35,796,877.96 2,014,081,174.02 35,918,825.98
60 31,731,534.97 4,187,291.00 35,918,825.98 2,050,000,000.00 - 0.00