Amortización mediante gradiente

TALLER DE GRADIENTES

La empresa ABC S.A.S necesita obtener un credito de $350.000.000, que deberá ser cancelado en 24 cuotas men
aumentarán en $350.000 con respecto a la anterior (gradiente lineal) a una tasa de interés del 1,8% mensual. ¿De
la primera cuota para poder cancelar el total del crédito?

DATOS
VP $ 350,000,000.00
PERIODOS 24
GRADIENTE $ 350,000.00
i 1.80%
A1 $ 14,361,570.82

PERIODOS CUOTAS INTERÉS ABONO A CAPITAL

0
1 $ 14,361,570.82 $ 6,300,000.00 $ 8,061,570.82
2 $ 14,711,570.82 $ 6,154,891.73 $ 8,556,679.09
3 $ 15,061,570.82 $ 6,000,871.50 $ 9,060,699.32

1.
4 $ 15,411,570.82 $ 5,837,778.91 $ 9,573,791.90
5 $ 15,761,570.82 $ 5,665,450.66 $ 10,096,120.16
6 $ 16,111,570.82 $ 5,483,720.50 $ 10,627,850.32
7 $ 16,461,570.82 $ 5,292,419.19 $ 11,169,151.63
8 $ 16,811,570.82 $ 5,091,374.46 $ 11,720,196.36
9 $ 17,161,570.82 $ 4,880,410.93 $ 12,281,159.89
10 $ 17,511,570.82 $ 4,659,350.05 $ 12,852,220.77
11 $ 17,861,570.82 $ 4,428,010.08 $ 13,433,560.74
12 $ 18,211,570.82 $ 4,186,205.98 $ 14,025,364.84
13 $ 18,561,570.82 $ 3,933,749.42 $ 14,627,821.40
14 $ 18,911,570.82 $ 3,670,448.63 $ 15,241,122.19
15 $ 19,261,570.82 $ 3,396,108.43 $ 15,865,462.39
16 $ 19,611,570.82 $ 3,110,530.11 $ 16,501,040.71
17 $ 19,961,570.82 $ 2,813,511.37 $ 17,148,059.44
18 $ 20,311,570.82 $ 2,504,846.30 $ 17,806,724.51
19 $ 20,661,570.82 $ 2,184,325.26 $ 18,477,245.55
20 $ 21,011,570.82 $ 1,851,734.84 $ 19,159,835.97
21 $ 21,361,570.82 $ 1,506,857.80 $ 19,854,713.02
22 $ 21,711,570.82 $ 1,149,472.96 $ 20,562,097.86
23 $ 22,061,570.82 $ 779,355.20 $ 21,282,215.62
24 $ 22,411,570.82 $ 396,275.32 $ 22,015,295.50

El valor de una maquina se cancela en 24 cuotas mensuales que aumentan cada mes en la suma de $500.000. Si e
primera cuota es de $1.000.000 y la tasa de interés pactada es del 2,8% efectivo mensual, ¿Cuál será el valor pre
maquina? y ¿Cual será el valor pagado en la cuota 10?
 DATOS
VP $ 105,450,302.68
PERIODOS 24
GRADIENTE $ 500,000.00
i 2.80%
A1 $ 1,000,000.00
A10 $ 5,500,000.00

PERIODOS CUOTAS INTERÉS ABONO A CAPITAL

0
1 $ 1,000,000.00 $ 2,952,608.47 -$ 1,952,608.47
2 $ 1,500,000.00 $ 3,007,281.51 -$ 1,507,281.51
3 $ 2,000,000.00 $ 3,049,485.39 -$ 1,049,485.39

2.
4 $ 2,500,000.00 $ 3,078,870.99 -$ 578,870.99
5 $ 3,000,000.00 $ 3,095,079.37 -$ 95,079.37
6 $ 3,500,000.00 $ 3,097,741.60 $ 402,258.40
7 $ 4,000,000.00 $ 3,086,478.36 $ 913,521.64
8 $ 4,500,000.00 $ 3,060,899.75 $ 1,439,100.25
9 $ 5,000,000.00 $ 3,020,604.95 $ 1,979,395.05
10 $ 5,500,000.00 $ 2,965,181.89 $ 2,534,818.11
11 $ 6,000,000.00 $ 2,894,206.98 $ 3,105,793.02
12 $ 6,500,000.00 $ 2,807,244.77 $ 3,692,755.23
13 $ 7,000,000.00 $ 2,703,847.63 $ 4,296,152.37
14 $ 7,500,000.00 $ 2,583,555.36 $ 4,916,444.64
15 $ 8,000,000.00 $ 2,445,894.91 $ 5,554,105.09
16 $ 8,500,000.00 $ 2,290,379.97 $ 6,209,620.03
17 $ 9,000,000.00 $ 2,116,510.61 $ 6,883,489.39
18 $ 9,500,000.00 $ 1,923,772.91 $ 7,576,227.09
19 $ 10,000,000.00 $ 1,711,638.55 $ 8,288,361.45
20 $ 10,500,000.00 $ 1,479,564.43 $ 9,020,435.57
21 $ 11,000,000.00 $ 1,226,992.23 $ 9,773,007.77
22 $ 11,500,000.00 $ 953,348.01 $ 10,546,651.99
23 $ 12,000,000.00 $ 658,041.76 $ 11,341,958.24
24 $ 12,500,000.00 $ 340,466.93 $ 12,159,533.07

María tiene una deuda por valor de $180.000.000, la cual desea financiar en 28 cuotas mensuales, que aumentan e
mensuales. La tasa de interés pactada es del 1,8% efectivo mensual. Determine el valor de la primera cuota y el
cuota 15 del cronograma de pagos

DATOS
VP $ 180,000,000.00
PERIODOS 28
GRADIENTE $ 100,000.00
i 1.80%
A1 $ 7,006,492.39
 A15 $ 8,406,492.39

PERIODOS CUOTAS INTERÉS ABONO A CAPITAL

0
1 $ 7,006,492.39 $ 3,240,000.00 $ 3,766,492.39
2 $ 7,106,492.39 $ 3,172,203.14 $ 3,934,289.25
3 $ 7,206,492.39 $ 3,101,385.93 $ 4,105,106.46
4 $ 7,306,492.39 $ 3,027,494.01 $ 4,278,998.37
5 $ 7,406,492.39 $ 2,950,472.04 $ 4,456,020.34

3.
6 $ 7,506,492.39 $ 2,870,263.68 $ 4,636,228.71
7 $ 7,606,492.39 $ 2,786,811.56 $ 4,819,680.82
8 $ 7,706,492.39 $ 2,700,057.31 $ 5,006,435.08
9 $ 7,806,492.39 $ 2,609,941.47 $ 5,196,550.91
10 $ 7,906,492.39 $ 2,516,403.56 $ 5,390,088.83
11 $ 8,006,492.39 $ 2,419,381.96 $ 5,587,110.43
12 $ 8,106,492.39 $ 2,318,813.97 $ 5,787,678.41
13 $ 8,206,492.39 $ 2,214,635.76 $ 5,991,856.63
14 $ 8,306,492.39 $ 2,106,782.34 $ 6,199,710.04
15 $ 8,406,492.39 $ 1,995,187.56 $ 6,411,304.83
16 $ 8,506,492.39 $ 1,879,784.07 $ 6,626,708.31
17 $ 8,606,492.39 $ 1,760,503.32 $ 6,845,989.06
18 $ 8,706,492.39 $ 1,637,275.52 $ 7,069,216.87
19 $ 8,806,492.39 $ 1,510,029.62 $ 7,296,462.77
20 $ 8,906,492.39 $ 1,378,693.29 $ 7,527,799.10
21 $ 9,006,492.39 $ 1,243,192.90 $ 7,763,299.48
22 $ 9,106,492.39 $ 1,103,453.51 $ 8,003,038.87
23 $ 9,206,492.39 $ 959,398.81 $ 8,247,093.57
24 $ 9,306,492.39 $ 810,951.13 $ 8,495,541.26
25 $ 9,406,492.39 $ 658,031.39 $ 8,748,461.00
26 $ 9,506,492.39 $ 500,559.09 $ 9,005,933.30
27 $ 9,606,492.39 $ 338,452.29 $ 9,268,040.10
28 $ 9,706,492.39 $ 171,627.57 $ 9,534,864.82

La empresa ABC SAS desea conocer en qué valor deben aumentar las cuotas mensuales, si se está financiando un
financiera por valor de $850.000.000, se exige una primera cuota de $15.000.000, se cobra una tasa de interés
efectivo mensual y el plazo es a 48 cuotas mensuales.

DATOS
VP $ 850,000,000.00
PERIODOS 48
GRADIENTE $ 576,413.59
i 1.80%
A1 $ 15,000,000.00

PERIODOS CUOTAS INTERÉS ABONO A CAPITAL

 0
1 $ 15,000,000.00 $ 15,300,000.00 -$ 300,000.00
2 $ 15,576,413.59 $ 15,305,400.00 $ 271,013.59
3 $ 16,152,827.17 $ 15,300,521.76 $ 852,305.42
4 $ 16,729,240.76 $ 15,285,180.26 $ 1,444,060.50
5 $ 17,305,654.35 $ 15,259,187.17 $ 2,046,467.18
6 $ 17,882,067.93 $ 15,222,350.76 $ 2,659,717.17
7 $ 18,458,481.52 $ 15,174,475.85 $ 3,284,005.67
8 $ 19,034,895.11 $ 15,115,363.75 $ 3,919,531.36
9 $ 19,611,308.69 $ 15,044,812.18 $ 4,566,496.51
10 $ 20,187,722.28 $ 14,962,615.25 $ 5,225,107.03
11 $ 20,764,135.87 $ 14,868,563.32 $ 5,895,572.55
12 $ 21,340,549.45 $ 14,762,443.01 $ 6,578,106.44
13 $ 21,916,963.04 $ 14,644,037.10 $ 7,272,925.94
14 $ 22,493,376.63 $ 14,513,124.43 $ 7,980,252.20
15 $ 23,069,790.21 $ 14,369,479.89 $ 8,700,310.32

4.
16 $ 23,646,203.80 $ 14,212,874.31 $ 9,433,329.49
17 $ 24,222,617.39 $ 14,043,074.38 $ 10,179,543.01
18 $ 24,799,030.97 $ 13,859,842.60 $ 10,939,188.37
19 $ 25,375,444.56 $ 13,662,937.21 $ 11,712,507.35
20 $ 25,951,858.15 $ 13,452,112.08 $ 12,499,746.07
21 $ 26,528,271.73 $ 13,227,116.65 $ 13,301,155.08
22 $ 27,104,685.32 $ 12,987,695.86 $ 14,116,989.46
23 $ 27,681,098.91 $ 12,733,590.05 $ 14,947,508.86
24 $ 28,257,512.49 $ 12,464,534.89 $ 15,792,977.61
25 $ 28,833,926.08 $ 12,180,261.29 $ 16,653,664.79
26 $ 29,410,339.67 $ 11,880,495.32 $ 17,529,844.34
27 $ 29,986,753.25 $ 11,564,958.13 $ 18,421,795.13
28 $ 30,563,166.84 $ 11,233,365.81 $ 19,329,801.03
29 $ 31,139,580.43 $ 10,885,429.40 $ 20,254,151.03
30 $ 31,715,994.01 $ 10,520,854.68 $ 21,195,139.34
31 $ 32,292,407.60 $ 10,139,342.17 $ 22,153,065.43
32 $ 32,868,821.19 $ 9,740,586.99 $ 23,128,234.20
33 $ 33,445,234.77 $ 9,324,278.78 $ 24,120,956.00
34 $ 34,021,648.36 $ 8,890,101.57 $ 25,131,546.79
35 $ 34,598,061.95 $ 8,437,733.73 $ 26,160,328.22
36 $ 35,174,475.53 $ 7,966,847.82 $ 27,207,627.72
37 $ 35,750,889.12 $ 7,477,110.52 $ 28,273,778.60
38 $ 36,327,302.71 $ 6,968,182.50 $ 29,359,120.20
39 $ 36,903,716.29 $ 6,439,718.34 $ 30,463,997.95
40 $ 37,480,129.88 $ 5,891,366.38 $ 31,588,763.50
41 $ 38,056,543.47 $ 5,322,768.63 $ 32,733,774.83
42 $ 38,632,957.05 $ 4,733,560.69 $ 33,899,396.37
43 $ 39,209,370.64 $ 4,123,371.55 $ 35,085,999.09
44 $ 39,785,784.23 $ 3,491,823.57 $ 36,293,960.66
 45 $ 40,362,197.81 $ 2,838,532.28 $ 37,523,665.54
46 $ 40,938,611.40 $ 2,163,106.30 $ 38,775,505.10
47 $ 41,515,024.99 $ 1,465,147.21 $ 40,049,877.78
48 $ 42,091,438.57 $ 744,249.41 $ 41,347,189.17

Pepito desea comprar una moto que tiene un valor de contado de $36.000.000, pero requiere financiarla a 2 años.
de financiamiento le propone pagar cuotas mensuales que van incrementando en $100.000 cada mes durante los
cobrará una tasa de interés del 1,88% efectivo mensual. Según esta información, cuàl es el valor de la primera cuo
pagar Pepito

DATOS
VP $ 36,000,000.00
PERIODOS 24 meses
GRADIENTE $ 100,000.00
i 1.88%
A1 $ 816,534.78

PERIODOS CUOTAS INTERÉS ABONO A CAPITAL

0
1 $ 816,534.78 $ 676,800.00 $ 139,734.78
2 $ 916,534.78 $ 674,172.99 $ 242,361.80
3 $ 1,016,534.78 $ 669,616.58 $ 346,918.20

5.
4 $ 1,116,534.78 $ 663,094.52 $ 453,440.26
5 $ 1,216,534.78 $ 654,569.85 $ 561,964.94
6 $ 1,316,534.78 $ 644,004.90 $ 672,529.88
7 $ 1,416,534.78 $ 631,361.34 $ 785,173.44
8 $ 1,516,534.78 $ 616,600.08 $ 899,934.70
9 $ 1,616,534.78 $ 599,681.31 $ 1,016,853.47
10 $ 1,716,534.78 $ 580,564.46 $ 1,135,970.32
11 $ 1,816,534.78 $ 559,208.22 $ 1,257,326.56
12 $ 1,916,534.78 $ 535,570.48 $ 1,380,964.30
13 $ 2,016,534.78 $ 509,608.35 $ 1,506,926.43
14 $ 2,116,534.78 $ 481,278.14 $ 1,635,256.64
15 $ 2,216,534.78 $ 450,535.31 $ 1,765,999.47
16 $ 2,316,534.78 $ 417,334.52 $ 1,899,200.26
17 $ 2,416,534.78 $ 381,629.56 $ 2,034,905.22
18 $ 2,516,534.78 $ 343,373.34 $ 2,173,161.44
19 $ 2,616,534.78 $ 302,517.90 $ 2,314,016.88
20 $ 2,716,534.78 $ 259,014.39 $ 2,457,520.40
21 $ 2,816,534.78 $ 212,813.00 $ 2,603,721.78
22 $ 2,916,534.78 $ 163,863.03 $ 2,752,671.75
23 $ 3,016,534.78 $ 112,112.81 $ 2,904,421.98
24 $ 3,116,534.78 $ 57,509.67 $ 3,059,025.11
erá ser cancelado en 24 cuotas mensuales que La empresa XYZ SAS necesita obtener un crédito de $380.000.
de interés del 1,8% mensual. ¿De cuanto será aumentaran en $1.000.000 con respecto a la anterior (gradiente
del crédito? ¿De cuánto será la primer cuota para p

DATOS
VP
PERIODOS
GRADIENTE
i
A1

PERIODOS CUOTAS
SALDO CAPITAL 0
$ 350,000,000.00 1 $ 11,770,995.96
$ 341,938,429.18 2 $ 12,770,995.96
$ 333,381,750.09 3 $ 13,770,995.96

6.
$ 324,321,050.77 4 $ 14,770,995.96
$ 314,747,258.87 5 $ 15,770,995.96
$ 304,651,138.71 6 $ 16,770,995.96
$ 294,023,288.39 7 $ 17,770,995.96
$ 282,854,136.76 8 $ 18,770,995.96
$ 271,133,940.41 9 $ 19,770,995.96
$ 258,852,780.52 10 $ 20,770,995.96
$ 246,000,559.75 11 $ 21,770,995.96
$ 232,566,999.01 12 $ 22,770,995.96
$ 218,541,634.17 13 $ 23,770,995.96
$ 203,913,812.77 14 $ 24,770,995.96
$ 188,672,690.58 15 $ 25,770,995.96
$ 172,807,228.19 16 $ 26,770,995.96
$ 156,306,187.48 17 $ 27,770,995.96
$ 139,158,128.04 18 $ 28,770,995.96
$ 121,351,403.52 19 $ 29,770,995.96
$ 102,874,157.97 20 $ 30,770,995.96
$ 83,714,322.00 21 $ 31,770,995.96
$ 63,859,608.97 22 $ 32,770,995.96
$ 43,297,511.12 23 $ 33,770,995.96
$ 22,015,295.50 24 $ 34,770,995.96
$ 0.00
El valor de un Camiòn se cancela en 48 cuotas mensuales, que a
a mes en la suma de $500.000. Si el valor de la la primera cuota es de $5.000.000 y la tasa de interés pactada es
vo mensual, ¿Cuál será el valor presente de la camiòn? y ¿cuál será el valor
a cuota 10?
DATOS
 VP
PERIODOS
GRADIENTE
i
A1

PERIODOS CUOTAS
0
SALDO CAPITAL 1 $ 5,000,000.00
$ 105,450,302.68 2 $ 7,000,000.00
$ 107,402,911.15 3 $ 9,000,000.00
$ 108,910,192.67 4 $ 11,000,000.00
$ 109,959,678.06 5 $ 13,000,000.00
$ 110,538,549.05 6 $ 15,000,000.00
$ 110,633,628.42 7 $ 17,000,000.00
$ 110,231,370.01 8 $ 19,000,000.00
$ 109,317,848.38 9 $ 21,000,000.00
$ 107,878,748.13 10 $ 23,000,000.00
$ 105,899,353.08 11 $ 25,000,000.00
$ 103,364,534.96 12 $ 27,000,000.00
$ 100,258,741.94 13 $ 29,000,000.00
$ 96,565,986.72 14 $ 31,000,000.00
$ 92,269,834.34 15 $ 33,000,000.00

7.
$ 87,353,389.71 16 $ 35,000,000.00
$ 81,799,284.62 17 $ 37,000,000.00
$ 75,589,664.59 18 $ 39,000,000.00
$ 68,706,175.20 19 $ 41,000,000.00
$ 61,129,948.10 20 $ 43,000,000.00
$ 52,841,586.65 21 $ 45,000,000.00
$ 43,821,151.07 22 $ 47,000,000.00
$ 34,048,143.30 23 $ 49,000,000.00
$ 23,501,491.32 24 $ 51,000,000.00
$ 12,159,533.07 25 $ 53,000,000.00
$ - 26 $ 55,000,000.00
27 $ 57,000,000.00
28 $ 59,000,000.00
8 cuotas mensuales, que aumentan en $100.000
ne el valor de la primera cuota y el valor de la 29 $ 61,000,000.00
s 30 $ 63,000,000.00
31 $ 65,000,000.00
32 $ 67,000,000.00
33 $ 69,000,000.00
34 $ 71,000,000.00
35 $ 73,000,000.00
36 $ 75,000,000.00
37 $ 77,000,000.00
 38 $ 79,000,000.00
39 $ 81,000,000.00
SALDO CAPITAL 40 $ 83,000,000.00
$ 180,000,000.00 41 $ 85,000,000.00
$ 176,233,507.61 42 $ 87,000,000.00
$ 172,299,218.37 43 $ 89,000,000.00
$ 168,194,111.91 44 $ 91,000,000.00
$ 163,915,113.54 45 $ 93,000,000.00
$ 159,459,093.20 46 $ 95,000,000.00
$ 154,822,864.49 47 $ 97,000,000.00
$ 150,003,183.66 48 $ 99,000,000.00
$ 144,996,748.58
$ 139,800,197.67
Antonio tiene una deuda por valor de $60.000.000, la cual de
$ 134,410,108.85 $300.000 mensuales. La tasa de interés es del 2,5% efectivo men
$ 128,822,998.42 cuota 9 del cronog
$ 123,035,320.00
$ 117,043,463.38 DATOS
$ 110,843,753.33 VP
$ 104,432,448.51 PERIODOS
$ 97,805,740.20 GRADIENTE
$ 90,959,751.13 i
$ 83,890,534.27 A1
$ 76,594,071.50 A9
$ 69,066,272.40
$ 61,302,972.92 PERIODOS CUOTAS
$ 53,299,934.04 0

8.
$ 45,052,840.47 1 $ 1,828,942.23
$ 36,557,299.21 2 $ 2,128,942.23
$ 27,808,838.21 3 $ 2,428,942.23
$ 18,802,904.92 4 $ 2,728,942.23
$ 9,534,864.82 5 $ 3,028,942.23
$ 0.00 6 $ 3,328,942.23
7 $ 3,628,942.23
8 $ 3,928,942.23
mensuales, si se está financiando una obligación
0.000, se cobra una tasa de interés del 1,8% 9 $ 4,228,942.23
mensuales. 10 $ 4,528,942.23
11 $ 4,828,942.23
12 $ 5,128,942.23
13 $ 5,428,942.23
14 $ 5,728,942.23
15 $ 6,028,942.23
16 $ 6,328,942.23
17 $ 6,628,942.23
18 $ 6,928,942.23
SALDO CAPITAL
$ 850,000,000.00
la empresa RST SAS desea conocer en qué valor deben aumentar
$ 850,300,000.00 financiera por valor de $250.000.000, se exige una primera cu
$ 850,028,986.41 efectivo mensual y el plazo e
$ 849,176,681.00
$ 847,732,620.49 DATOS
$ 845,686,153.32 VP
$ 843,026,436.14 PERIODOS
$ 839,742,430.47 GRADIENTE
$ 835,822,899.11 i
$ 831,256,402.60 A1
$ 826,031,295.57
$ 820,135,723.02 PERIODOS CUOTAS
$ 813,557,616.59 0
$ 806,284,690.64 1 $ 5,000,000.00
$ 798,304,438.45 2 $ 5,053,734.47
$ 789,604,128.13 3 $ 5,107,468.95
$ 780,170,798.63 4 $ 5,161,203.42
$ 769,991,255.62 5 $ 5,214,937.90
$ 759,052,067.25 6 $ 5,268,672.37
$ 747,339,559.90 7 $ 5,322,406.85
$ 734,839,813.83 8 $ 5,376,141.32
$ 721,538,658.75 9 $ 5,429,875.80
$ 707,421,669.28 10 $ 5,483,610.27
$ 692,474,160.42 11 $ 5,537,344.75
$ 676,681,182.82 12 $ 5,591,079.22
$ 660,027,518.03 13 $ 5,644,813.69
$ 642,497,673.68 14 $ 5,698,548.17
$ 624,075,878.56 15 $ 5,752,282.64
$ 604,746,077.53 16 $ 5,806,017.12
$ 584,491,926.50 17 $ 5,859,751.59
$ 563,296,787.16 18 $ 5,913,486.07
$ 541,143,721.73 19 $ 5,967,220.54
$ 518,015,487.53 20 $ 6,020,955.02
$ 493,894,531.54 21 $ 6,074,689.49

9.
$ 468,762,984.74 22 $ 6,128,423.97
$ 442,602,656.52 23 $ 6,182,158.44
$ 415,395,028.80 24 $ 6,235,892.91
$ 387,121,250.20 25 $ 6,289,627.39
$ 357,762,130.00 26 $ 6,343,361.86
$ 327,298,132.04 27 $ 6,397,096.34
$ 295,709,368.54 28 $ 6,450,830.81
$ 262,975,593.71 29 $ 6,504,565.29
$ 229,076,197.34 30 $ 6,558,299.76
$ 193,990,198.25 31 $ 6,612,034.24
$ 157,696,237.59 32 $ 6,665,768.71
 $ 120,172,572.06 33 $ 6,719,503.19
$ 81,397,066.95 34 $ 6,773,237.66
$ 41,347,189.17 35 $ 6,826,972.13
-$ 0.00 36 $ 6,880,706.61
37 $ 6,934,441.08
38 $ 6,988,175.56
pero requiere financiarla a 2 años. Una entidad
39 $ 7,041,910.03
en $100.000 cada mes durante los 2 años y le
n, cuàl es el valor de la primera cuota que debe 40 $ 7,095,644.51
41 $ 7,149,378.98
42 $ 7,203,113.46
43 $ 7,256,847.93
44 $ 7,310,582.41
45 $ 7,364,316.88
46 $ 7,418,051.35
47 $ 7,471,785.83
48 $ 7,525,520.30
49 $ 7,579,254.78
SALDO CAPITAL 50 $ 7,632,989.25
$ 36,000,000.00 51 $ 7,686,723.73
$ 35,860,265.22 52 $ 7,740,458.20
$ 35,617,903.42 53 $ 7,794,192.68
$ 35,270,985.22 54 $ 7,847,927.15
$ 34,817,544.96 55 $ 7,901,661.63
$ 34,255,580.03 56 $ 7,955,396.10
$ 33,583,050.15 57 $ 8,009,130.57
$ 32,797,876.71 58 $ 8,062,865.05
$ 31,897,942.01 59 $ 8,116,599.52
$ 30,881,088.54 60 $ 8,170,334.00
$ 29,745,118.22
$ 28,487,791.66
$ 27,106,827.36
$ 25,599,900.93
$ 23,964,644.29
$ 22,198,644.82
$ 20,299,444.56
$ 18,264,539.33
$ 16,091,377.89
$ 13,777,361.01
$ 11,319,840.61
$ 8,716,118.84
$ 5,963,447.09
$ 3,059,025.11
$ 0.00
obtener un crédito de $380.000.000, que deberá ser cancelado en 24 cuotas mensuales que
especto a la anterior (gradiente lineal) a una tasa de interés del 2,8%m (efectivo mensual).
ánto será la primer cuota para poder cancelar el total del crédito?

DATOS
$ 380,000,000.00
24
$ 1,000,000.00
2.80%
$ 11,770,995.96

INTERÉS ABONO A CAPITASALDO CAPITAL

$ 380,000,000.00
$ 10,640,000.00 $ 1,130,995.96 $ 378,869,004.04
$ 10,608,332.11 $ 2,162,663.84 $ 376,706,340.20
$ 10,547,777.53 $ 3,223,218.43 $ 373,483,121.76
$ 10,457,527.41 $ 4,313,468.55 $ 369,169,653.22

10
$ 10,336,750.29 $ 5,434,245.67 $ 363,735,407.55
$ 10,184,591.41 $ 6,586,404.55 $ 357,149,003.00
$ 10,000,172.08 $ 7,770,823.87 $ 349,378,179.13
$ 9,782,589.02 $ 8,988,406.94 $ 340,389,772.18
$ 9,530,913.62 $ 10,240,082.34 $ 330,149,689.85
$ 9,244,191.32 $ 11,526,804.64 $ 318,622,885.20
$ 8,921,440.79 $ 12,849,555.17 $ 305,773,330.03
$ 8,561,653.24 $ 14,209,342.72 $ 291,563,987.32
$ 8,163,791.64 $ 15,607,204.31 $ 275,956,783.00
$ 7,726,789.92 $ 17,044,206.03 $ 258,912,576.97
$ 7,249,552.16 $ 18,521,443.80 $ 240,391,133.16
$ 6,730,951.73 $ 20,040,044.23 $ 220,351,088.94
$ 6,169,830.49 $ 21,601,165.47 $ 198,749,923.47
$ 5,564,997.86 $ 23,205,998.10 $ 175,543,925.37
$ 4,915,229.91 $ 24,855,766.05 $ 150,688,159.32
$ 4,219,268.46 $ 26,551,727.50 $ 124,136,431.82
$ 3,475,820.09 $ 28,295,175.87 $ 95,841,255.95
$ 2,683,555.17 $ 30,087,440.79 $ 65,753,815.16
$ 1,841,106.82 $ 31,929,889.13 $ 33,823,926.03
$ 947,069.93 $ 33,823,926.03 -$ 0.00

a en 48 cuotas mensuales, que aumentan cada mes en la suma de $2.000.000. Si el valor de

0 y la tasa de interés pactada es del 1,3% efectivo mensual, ¿cuál será el valor presente del
camiòn? y ¿cuál será el valor pagado en la cuota 24?

DATOS
$ 1,673,090,637.87
48
$ 2,000,000.00
1.30%
$ 5,000,000.00

INTERÉS ABONO A CAPITASALDO CAPITAL

$ 1,673,090,637.87
$ 21,750,178.29 -$ 16,750,178.29 $ 1,689,840,816.16
$ 21,967,930.61 -$ 14,967,930.61 $ 1,704,808,746.78
$ 22,162,513.71 -$ 13,162,513.71 $ 1,717,971,260.48
$ 22,333,626.39 -$ 11,333,626.39 $ 1,729,304,886.87
$ 22,480,963.53 -$ 9,480,963.53 $ 1,738,785,850.40
$ 22,604,216.06 -$ 7,604,216.06 $ 1,746,390,066.45
$ 22,703,070.86 -$ 5,703,070.86 $ 1,752,093,137.32
$ 22,777,210.79 -$ 3,777,210.79 $ 1,755,870,348.10
$ 22,826,314.53 -$ 1,826,314.53 $ 1,757,696,662.63
$ 22,850,056.61 $ 149,943.39 $ 1,757,546,719.24
$ 22,848,107.35 $ 2,151,892.65 $ 1,755,394,826.59
$ 22,820,132.75 $ 4,179,867.25 $ 1,751,214,959.34
$ 22,765,794.47 $ 6,234,205.53 $ 1,744,980,753.81
$ 22,684,749.80 $ 8,315,250.20 $ 1,736,665,503.61
$ 22,576,651.55 $ 10,423,348.45 $ 1,726,242,155.16
$ 22,441,148.02 $ 12,558,851.98 $ 1,713,683,303.17
$ 22,277,882.94 $ 14,722,117.06 $ 1,698,961,186.11
$ 22,086,495.42 $ 16,913,504.58 $ 1,682,047,681.53
$ 21,866,619.86 $ 19,133,380.14 $ 1,662,914,301.39
$ 21,617,885.92 $ 21,382,114.08 $ 1,641,532,187.31
$ 21,339,918.44 $ 23,660,081.56 $ 1,617,872,105.75
$ 21,032,337.37 $ 25,967,662.63 $ 1,591,904,443.12
$ 20,694,757.76 $ 28,305,242.24 $ 1,563,599,200.88
$ 20,326,789.61 $ 30,673,210.39 $ 1,532,925,990.49
$ 19,928,037.88 $ 33,071,962.12 $ 1,499,854,028.37
$ 19,498,102.37 $ 35,501,897.63 $ 1,464,352,130.74
$ 19,036,577.70 $ 37,963,422.30 $ 1,426,388,708.44
$ 18,543,053.21 $ 40,456,946.79 $ 1,385,931,761.65
$ 18,017,112.90 $ 42,982,887.10 $ 1,342,948,874.55
$ 17,458,335.37 $ 45,541,664.63 $ 1,297,407,209.92
$ 16,866,293.73 $ 48,133,706.27 $ 1,249,273,503.65
$ 16,240,555.55 $ 50,759,444.45 $ 1,198,514,059.20
$ 15,580,682.77 $ 53,419,317.23 $ 1,145,094,741.96
$ 14,886,231.65 $ 56,113,768.35 $ 1,088,980,973.61
$ 14,156,752.66 $ 58,843,247.34 $ 1,030,137,726.27
$ 13,391,790.44 $ 61,608,209.56 $ 968,529,516.71
$ 12,590,883.72 $ 64,409,116.28 $ 904,120,400.43
 $ 11,753,565.21 $ 67,246,434.79 $ 836,873,965.63
$ 10,879,361.55 $ 70,120,638.45 $ 766,753,327.18
$ 9,967,793.25 $ 73,032,206.75 $ 693,721,120.44
$ 9,018,374.57 $ 75,981,625.43 $ 617,739,495.00
$ 8,030,613.44 $ 78,969,386.56 $ 538,770,108.44
$ 7,004,011.41 $ 81,995,988.59 $ 456,774,119.85
$ 5,938,063.56 $ 85,061,936.44 $ 371,712,183.41
$ 4,832,258.38 $ 88,167,741.62 $ 283,544,441.79
$ 3,686,077.74 $ 91,313,922.26 $ 192,230,519.53
$ 2,498,996.75 $ 94,501,003.25 $ 97,729,516.29
$ 1,270,483.71 $ 97,729,516.29 $ 0.00

valor de $60.000.000, la cual desea financiar en 18 cuotas mensuales, que aumentan en

nterés es del 2,5% efectivo mensual. Determine el valor de la primera cuota y el valor de la
cuota 9 del cronograma de pagos

DATOS
$ 60,000,000.00
18
$ 300,000.00
2.50%
$ 1,828,942.23
$ 4,228,942.23

INTERÉS ABONO A CAPITASALDO CAPITAL

$ 60,000,000.00
$ 1,500,000.00 $ 328,942.23 $ 59,671,057.77
$ 1,491,776.44 $ 637,165.79 $ 59,033,891.98
$ 1,475,847.30 $ 953,094.93 $ 58,080,797.05
$ 1,452,019.93 $ 1,276,922.31 $ 56,803,874.74
$ 1,420,096.87 $ 1,608,845.36 $ 55,195,029.38
$ 1,379,875.73 $ 1,949,066.50 $ 53,245,962.88
$ 1,331,149.07 $ 2,297,793.16 $ 50,948,169.72
$ 1,273,704.24 $ 2,655,237.99 $ 48,292,931.74
$ 1,207,323.29 $ 3,021,618.94 $ 45,271,312.80
$ 1,131,782.82 $ 3,397,159.41 $ 41,874,153.39
$ 1,046,853.83 $ 3,782,088.40 $ 38,092,064.99
$ 952,301.62 $ 4,176,640.61 $ 33,915,424.38
$ 847,885.61 $ 4,581,056.62 $ 29,334,367.76
$ 733,359.19 $ 4,995,583.04 $ 24,338,784.72
$ 608,469.62 $ 5,420,472.61 $ 18,918,312.11
$ 472,957.80 $ 5,855,984.43 $ 13,062,327.68
$ 326,558.19 $ 6,302,384.04 $ 6,759,943.64
$ 168,998.59 $ 6,759,943.64 $ -
er en qué valor deben aumentar las cuotas mensuales, si se está financiando una obligación
00.000, se exige una primera cuota de $5.000.000, se cobra una tasa de interés del 1,5%
efectivo mensual y el plazo es a 60 cuotas mensuales.

DATOS
$ 250,000,000.00
60
$ 53,734.47
1.50%
$ 5,000,000.00

INTERÉS ABONO A CAPITASALDO CAPITAL

$ 250,000,000.00
$ 3,750,000.00 $ 1,250,000.00 $ 248,750,000.00
$ 3,731,250.00 $ 1,322,484.47 $ 247,427,515.53
$ 3,711,412.73 $ 1,396,056.22 $ 246,031,459.31
$ 3,690,471.89 $ 1,470,731.53 $ 244,560,727.78
$ 3,668,410.92 $ 1,546,526.98 $ 243,014,200.79
$ 3,645,213.01 $ 1,623,459.36 $ 241,390,741.43
$ 3,620,861.12 $ 1,701,545.73 $ 239,689,195.71
$ 3,595,337.94 $ 1,780,803.39 $ 237,908,392.32
$ 3,568,625.88 $ 1,861,249.91 $ 236,047,142.41
$ 3,540,707.14 $ 1,942,903.13 $ 234,104,239.27
$ 3,511,563.59 $ 2,025,781.16 $ 232,078,458.12
$ 3,481,176.87 $ 2,109,902.35 $ 229,968,555.77
$ 3,449,528.34 $ 2,195,285.36 $ 227,773,270.41
$ 3,416,599.06 $ 2,281,949.11 $ 225,491,321.30
$ 3,382,369.82 $ 2,369,912.82 $ 223,121,408.48
$ 3,346,821.13 $ 2,459,195.99 $ 220,662,212.48
$ 3,309,933.19 $ 2,549,818.41 $ 218,112,394.08
$ 3,271,685.91 $ 2,641,800.16 $ 215,470,593.92
$ 3,232,058.91 $ 2,735,161.63 $ 212,735,432.29
$ 3,191,031.48 $ 2,829,923.53 $ 209,905,508.76
$ 3,148,582.63 $ 2,926,106.86 $ 206,979,401.90
$ 3,104,691.03 $ 3,023,732.94 $ 203,955,668.96
$ 3,059,335.03 $ 3,122,823.41 $ 200,832,845.56
$ 3,012,492.68 $ 3,223,400.23 $ 197,609,445.33
$ 2,964,141.68 $ 3,325,485.71 $ 194,283,959.62
$ 2,914,259.39 $ 3,429,102.47 $ 190,854,857.15
$ 2,862,822.86 $ 3,534,273.48 $ 187,320,583.67
$ 2,809,808.76 $ 3,641,022.06 $ 183,679,561.61
$ 2,755,193.42 $ 3,749,371.86 $ 179,930,189.75
$ 2,698,952.85 $ 3,859,346.92 $ 176,070,842.83
$ 2,641,062.64 $ 3,970,971.59 $ 172,099,871.24
$ 2,581,498.07 $ 4,084,270.64 $ 168,015,600.60
$ 2,520,234.01 $ 4,199,269.18 $ 163,816,331.42
$ 2,457,244.97 $ 4,315,992.69 $ 159,500,338.73
$ 2,392,505.08 $ 4,434,467.05 $ 155,065,871.68
$ 2,325,988.08 $ 4,554,718.53 $ 150,511,153.14
$ 2,257,667.30 $ 4,676,773.79 $ 145,834,379.36
$ 2,187,515.69 $ 4,800,659.87 $ 141,033,719.49
$ 2,115,505.79 $ 4,926,404.24 $ 136,107,315.25
$ 2,041,609.73 $ 5,054,034.78 $ 131,053,280.47
$ 1,965,799.21 $ 5,183,579.77 $ 125,869,700.70
$ 1,888,045.51 $ 5,315,067.95 $ 120,554,632.75
$ 1,808,319.49 $ 5,448,528.44 $ 115,106,104.31
$ 1,726,591.56 $ 5,583,990.84 $ 109,522,113.47
$ 1,642,831.70 $ 5,721,485.18 $ 103,800,628.29
$ 1,557,009.42 $ 5,861,041.93 $ 97,939,586.36
$ 1,469,093.80 $ 6,002,692.03 $ 91,936,894.33
$ 1,379,053.41 $ 6,146,466.89 $ 85,790,427.44
$ 1,286,856.41 $ 6,292,398.37 $ 79,498,029.08
$ 1,192,470.44 $ 6,440,518.82 $ 73,057,510.26
$ 1,095,862.65 $ 6,590,861.07 $ 66,466,649.19
$ 996,999.74 $ 6,743,458.46 $ 59,723,190.72
$ 895,847.86 $ 6,898,344.82 $ 52,824,845.91
$ 792,372.69 $ 7,055,554.46 $ 45,769,291.45
$ 686,539.37 $ 7,215,122.25 $ 38,554,169.19
$ 578,312.54 $ 7,377,083.56 $ 31,177,085.63
$ 467,656.28 $ 7,541,474.29 $ 23,635,611.34
$ 354,534.17 $ 7,708,330.88 $ 15,927,280.46
$ 238,909.21 $ 7,877,690.32 $ 8,049,590.15
$ 120,743.85 $ 8,049,590.15 -$ 0.00
 Anita desea comprar un carro que tiene un valor de contado de $185.000.000, pero requiere financiarla a 2 años. Una
entidad de financiamiento le propone pagar cuotas mensuales que van incrementando en $500.000 cada mes durante los 2
años y le cobrará una tasa de interés del 2,3% efectivo mensual. Según esta información, cuàl es el valor de la primera
cuota que debe pagar Anita

DATOS
VP $ 185,000,000.00
PERIODOS 24 meses
GRADIENTE $ 500,000.00
i 2.30%
A1 $ 4,908,812.59

PERIODOS CUOTAS INTERÉS ABONO A CAPITASALDO CAPITAL

0 $ 185,000,000.00
1 $ 4,908,812.59 $ 4,255,000.00 $ 653,812.59 $ 184,346,187.41
2 $ 5,408,812.59 $ 4,239,962.31 $ 1,168,850.28 $ 183,177,337.12
3 $ 5,908,812.59 $ 4,213,078.75 $ 1,695,733.84 $ 181,481,603.28
4 $ 6,408,812.59 $ 4,174,076.88 $ 2,234,735.72 $ 179,246,867.56
5 $ 6,908,812.59 $ 4,122,677.95 $ 2,786,134.64 $ 176,460,732.92
6 $ 7,408,812.59 $ 4,058,596.86 $ 3,350,215.74 $ 173,110,517.18
7 $ 7,908,812.59 $ 3,981,541.90 $ 3,927,270.70 $ 169,183,246.48
8 $ 8,408,812.59 $ 3,891,214.67 $ 4,517,597.93 $ 164,665,648.56
9 $ 8,908,812.59 $ 3,787,309.92 $ 5,121,502.68 $ 159,544,145.88
10 $ 9,408,812.59 $ 3,669,515.36 $ 5,739,297.24 $ 153,804,848.64
11 $ 9,908,812.59 $ 3,537,511.52 $ 6,371,301.08 $ 147,433,547.56
12 $ 10,408,812.59 $ 3,390,971.59 $ 7,017,841.00 $ 140,415,706.56
13 $ 10,908,812.59 $ 3,229,561.25 $ 7,679,251.34 $ 132,736,455.22
14 $ 11,408,812.59 $ 3,052,938.47 $ 8,355,874.12 $ 124,380,581.10
15 $ 11,908,812.59 $ 2,860,753.37 $ 9,048,059.23 $ 115,332,521.87
16 $ 12,408,812.59 $ 2,652,648.00 $ 9,756,164.59 $ 105,576,357.28
17 $ 12,908,812.59 $ 2,428,256.22 $ 10,480,556.38 $ 95,095,800.90
18 $ 13,408,812.59 $ 2,187,203.42 $ 11,221,609.17 $ 83,874,191.72
19 $ 13,908,812.59 $ 1,929,106.41 $ 11,979,706.18 $ 71,894,485.54
20 $ 14,408,812.59 $ 1,653,573.17 $ 12,755,239.43 $ 59,139,246.11
21 $ 14,908,812.59 $ 1,360,202.66 $ 13,548,609.93 $ 45,590,636.18
22 $ 15,408,812.59 $ 1,048,584.63 $ 14,360,227.96 $ 31,230,408.22
23 $ 15,908,812.59 $ 718,299.39 $ 15,190,513.21 $ 16,039,895.01
24 $ 16,408,812.59 $ 368,917.59 $ 16,039,895.01 $ 0.00
anciarla a 2 años. Una
0 cada mes durante los 2
s el valor de la primera