Hoja1Con cuntos pagos anticipados de $623.84, realizados cada principio de mes, se alcanza un monto de $15 000, si el dinero rinde 2.97% mensual?

VF15000interes2.97%mensual0.002475pagos623.84tiempo23.3291379159No pagos24Una empresa inmobiliaria solicita un prstamo para llevar a cabo la construccin de un conjunto habitacional. El banco le conceder 3 millones, los cuales deber liquidar en un plazo de 2 aos, con 6 meses de gracia. Si la tasa de inters aplicable a este tipo de prstamo es de 26.4% anual convertible mensualmente cul es el monto de cada uno de los 18 pagos mensuales que deber realizar la constructora?

VA3000000ti26.40%cap men2.20%mensualtiempo6mesesvalor futuro3,418,429.51 en el mes 6

valor presente3,418,429.51 ti0.022No per2aos24mesespago180,877.46 Juan Gabriel decide adquirir 4 llantas nuevas para su camioneta. La llantera le ofrece una promocin exclusiva para clientes distinguidos, por la cual paga el importe de las mismas mediante 6 abonos mensuales, iniciando los pagos 3 meses despus de la compra. Cul es el importe de los pagos si el precio al contado de las llantas es de $11 600 y la llantera cobra 1.4% de inters mensual?

Valor presente11600nper3mesesti1.40%mensual0.0011666667mensual

11,602.26 en el mes 3

VP11,640.65 TIEMPO6mesesinters0.0011666667Pago$1,948.04Una deuda de $7 250 se debe pagar en un ao mediante pagos trimestrales iguales vencidos. Si el inters pactado es de 36% anual convertible trimestralmente:a) Determine el importe de cada pagob) Construya una tabla de amortizacin

No pagos4ti36%cap trim9%trimestralVP7250

pagos2,237.85 periodosaldo inicialabono a capinteresespago saldo final07,250.00 7,250.00 17,250.00 1,585.35 652.50 2,237.85 5,664.65 25,664.65 1,728.03 509.82 2,237.85 3,936.62 33,936.62 1,883.55 354.30 2,237.85 2,053.07 42,053.07 2,053.07 184.78 2,237.85 0.00

No pagos24ti0.24cap men0.02mensualVp110000pagos5815.82saldo inicialabono a capinteresespago saldo final110,000110,000110,0003,6162,2005,816106,384106,3843,6882,1285,816102,696102,6963,7622,0545,81698,93498,9343,8371,9795,81695,09795,0973,9141,9025,81691,18391,1833,9921,8245,81687,19187,1914,0721,7445,81683,11983,1194,1531,6625,81678,96678,9664,2371,5795,81674,72974,7294,3211,4955,81670,40870,4084,4081,4085,81666,00066,0004,4961,3205,81661,50461,5044,5861,2305,81656,91956,9194,6771,1385,81652,24152,2414,7711,0455,81647,47047,4704,8669495,81642,60442,6044,9648525,81637,64037,6405,0637535,81632,57732,5775,1646525,81627,41327,4135,2685485,81622,14522,1455,3734435,81616,77216,7725,4803355,81611,29211,2925,5902265,8165,7025,7025,7021145,8160.0

Una deuda de $7 250 se debe pagar en un ao mediante pagos trimestrales iguales vencidos. Si el inters pactado es de 36% anual convertible trimestralmente:a) Determine el importe de cada pagob) Construya una tabla de amortizacinUna pareja de recin casados adquiere una casa en condominio que cuesta $160 000. Paga un enganche de $50 000 y acuerda pagar el resto mediante 24 mensualidades iguales con 24% de inters convertible mensualmente. Construya la tabla de amortizacin

Hoja26.-Una persona adquiere un automvil que cuesta $135 000. Paga $40 500 en efectivo y el resto con un prstamo de inters social otorgado por una institucin de seguridad estatal que le cobra 0.4% quincenal de inters. Construya una tabla de amortizacin si lo acordado fue liquidar el saldo en 5 aos mediante pagos quincenales vencidos.

Precio de contado135,000.00Enganche40,500Resta por pagar94,500.00

Valor presente94,500.00Tiempo5aos120quincenas Inters0.4%quincenal0.01667%quincenal cap quincenalValor del pago$795.47PeriodoSaldo InicialAbono a CapitalInteresesPagoSaldo Final094,500.0000094,500.00194,500.00$779.72$15.75$795.47$93,720.28293,720.28$779.85$15.62$795.47$92,940.44392,940.44$779.98$15.49$795.47$92,160.46492,160.46$780.11$15.36$795.47$91,380.35591,380.35$780.24$15.23$795.47$90,600.12690,600.12$780.37$15.10$795.47$89,819.75789,819.75$780.50$14.97$795.47$89,039.25889,039.25$780.63$14.84$795.47$88,258.63988,258.63$780.76$14.71$795.47$87,477.871087,477.87$780.89$14.58$795.47$86,696.981186,696.98$781.02$14.45$795.47$85,915.961285,915.96$781.15$14.32$795.47$85,134.821385,134.82$781.28$14.19$795.47$84,353.541484,353.54$781.41$14.06$795.47$83,572.131583,572.13$781.54$13.93$795.47$82,790.591682,790.59$781.67$13.80$795.47$82,008.921782,008.92$781.80$13.67$795.47$81,227.121881,227.12$781.93$13.54$795.47$80,445.201980,445.20$782.06$13.41$795.47$79,663.142079,663.14$782.19$13.28$795.47$78,880.952178,880.95$782.32$13.15$795.47$78,098.632278,098.63$782.45$13.02$795.47$77,316.182377,316.18$782.58$12.89$795.47$76,533.602476,533.60$782.71$12.76$795.47$75,750.882575,750.88$782.84$12.63$795.47$74,968.042674,968.04$782.97$12.49$795.47$74,185.072774,185.07$783.10$12.36$795.47$73,401.972873,401.97$783.23$12.23$795.47$72,618.732972,618.73$783.36$12.10$795.47$71,835.373071,835.37$783.49$11.97$795.47$71,051.883171,051.88$783.62$11.84$795.47$70,268.253270,268.25$783.76$11.71$795.47$69,484.503369,484.50$783.89$11.58$795.47$68,700.613468,700.61$784.02$11.45$795.47$67,916.593567,916.59$784.15$11.32$795.47$67,132.453667,132.45$784.28$11.19$795.47$66,348.173766,348.17$784.41$11.06$795.47$65,563.763865,563.76$784.54$10.93$795.47$64,779.223964,779.22$784.67$10.80$795.47$63,994.554063,994.55$784.80$10.67$795.47$63,209.754163,209.75$784.93$10.53$795.47$62,424.824262,424.82$785.06$10.40$795.47$61,639.754361,639.75$785.19$10.27$795.47$60,854.564460,854.56$785.32$10.14$795.47$60,069.234560,069.23$785.46$10.01$795.47$59,283.784659,283.78$785.59$9.88$795.47$58,498.194758,498.19$785.72$9.75$795.47$57,712.484857,712.48$785.85$9.62$795.47$56,926.634956,926.63$785.98$9.49$795.47$56,140.655056,140.65$786.11$9.36$795.47$55,354.545155,354.54$786.24$9.23$795.47$54,568.305254,568.30$786.37$9.09$795.47$53,781.935353,781.93$786.50$8.96$795.47$52,995.425452,995.42$786.63$8.83$795.47$52,208.795552,208.79$786.77$8.70$795.47$51,422.025651,422.02$786.90$8.57$795.47$50,635.135750,635.13$787.03$8.44$795.47$49,848.105849,848.10$787.16$8.31$795.47$49,060.945949,060.94$787.29$8.18$795.47$48,273.656048,273.65$787.42$8.05$795.47$47,486.236147,486.23$787.55$7.91$795.47$46,698.686246,698.68$787.68$7.78$795.47$45,910.996345,910.99$787.82$7.65$795.47$45,123.186445,123.18$787.95$7.52$795.47$44,335.236544,335.23$788.08$7.39$795.47$43,547.156643,547.15$788.21$7.26$795.47$42,758.946742,758.94$788.34$7.13$795.47$41,970.606841,970.60$788.47$7.00$795.47$41,182.136941,182.13$788.60$6.86$795.47$40,393.537040,393.53$788.73$6.73$795.47$39,604.797139,604.79$788.87$6.60$795.47$38,815.937238,815.93$789.00$6.47$795.47$38,026.937338,026.93$789.13$6.34$795.47$37,237.807437,237.80$789.26$6.21$795.47$36,448.547536,448.54$789.39$6.07$795.47$35,659.157635,659.15$789.52$5.94$795.47$34,869.637734,869.63$789.66$5.81$795.47$34,079.977834,079.97$789.79$5.68$795.47$33,290.187933,290.18$789.92$5.55$795.47$32,500.268032,500.26$790.05$5.42$795.47$31,710.218131,710.21$790.18$5.29$795.47$30,920.038230,920.03$790.31$5.15$795.47$30,129.728330,129.72$790.45$5.02$795.47$29,339.278429,339.27$790.58$4.89$795.47$28,548.708528,548.70$790.71$4.76$795.47$27,757.998627,757.99$790.84$4.63$795.47$26,967.158726,967.15$790.97$4.49$795.47$26,176.178826,176.17$791.10$4.36$795.47$25,385.078925,385.07$791.24$4.23$795.47$24,593.839024,593.83$791.37$4.10$795.47$23,802.479123,802.47$791.50$3.97$795.47$23,010.979223,010.97$791.63$3.84$795.47$22,219.349322,219.34$791.76$3.70$795.47$21,427.579421,427.57$791.90$3.57$795.47$20,635.689520,635.68$792.03$3.44$795.47$19,843.659619,843.65$792.16$3.31$795.47$19,051.499719,051.49$792.29$3.18$795.47$18,259.209818,259.20$792.42$3.04$795.47$17,466.779917,466.77$792.56$2.91$795.47$16,674.2210016,674.22$792.69$2.78$795.47$15,881.5310115,881.53$792.82$2.65$795.47$15,088.7110215,088.71$792.95$2.51$795.47$14,295.7610314,295.76$793.08$2.38$795.47$13,502.6710413,502.67$793.22$2.25$795.47$12,709.4610512,709.46$793.35$2.12$795.47$11,916.1110611,916.11$793.48$1.99$795.47$11,122.6310711,122.63$793.61$1.85$795.47$10,329.0110810,329.01$793.75$1.72$795.47$9,535.271099,535.27$793.88$1.59$795.47$8,741.391108,741.39$794.01$1.46$795.47$7,947.381117,947.38$794.14$1.32$795.47$7,153.241127,153.24$794.27$1.19$795.47$6,358.961136,358.96$794.41$1.06$795.47$5,564.561145,564.56$794.54$0.93$795.47$4,770.021154,770.02$794.67$0.80$795.47$3,975.351163,975.35$794.80$0.66$795.47$3,180.541173,180.54$794.94$0.53$795.47$2,385.611182,385.61$795.07$0.40$795.47$1,590.541191,590.54$795.20$0.27$795.47$795.33120795.33$795.33$0.13$795.47$0.00

Pago400anualesInters8%anualValor presente$5,000.00

8. Suponiendo que una granja producir $15000 anuales por tiempo indefinido, cul es el precio justo para ella, si la tasa de inters es del 15%?

Inters15%anual0.0125Pago15000anualesValor presente $100,000.00

9. Una pareja ha comprado una casa que vale $ 1 160 000 pagando $ 16 000 de enganche y negociando una hipoteca a una tasa del 8% anual convertible mensual, para amortizarla en 25 aos con pagos mensuales iguales. a) Calcular el pago mensual. b) Construir la tabla de amortizacin.

Valor de contado1160000Enganche16000Valor presente1144000Inters0.08anual cap mensual0.0066666667mensual cap mensualTiempo25aos300mesesPAGO8829.58PeriodoSaldo InicialAbono a CapitalInteresesPagoSaldo Final1$1,144,000.00114400021144000.001202.917626.678829.581142797.0931142797.091210.937618.658829.581141586.1641141586.161219.007610.578829.581140367.1651140367.161227.137602.458829.581139140.0361139140.031235.317594.278829.581137904.7271137904.721243.557586.038829.581136661.1781136661.171251.847577.748829.581135409.3391135409.331260.187569.408829.581134149.15101134149.151268.587560.998829.581132880.57111132880.571277.047552.548829.581131603.53121131603.531285.557544.028829.581130317.97131130317.971294.127535.458829.581129023.85141129023.851302.757526.838829.581127721.10151127721.101311.447518.148829.581126409.66161126409.661320.187509.408829.581125089.48171125089.481328.987500.608829.581123760.50181123760.501337.847491.748829.581122422.66191122422.661346.767482.828829.581121075.90201121075.901355.747473.848829.581119720.16211119720.161364.787464.808829.581118355.38221118355.381373.877455.708829.581116981.51231116981.511383.037446.548829.581115598.47241115598.471392.257437.328829.581114206.22251114206.221401.547428.048829.581112804.68261112804.681410.887418.708829.581111393.80271111393.801420.297409.298829.581109973.52281109973.521429.757399.828829.581108543.76291108543.761439.297390.298829.581107104.48301107104.481448.887380.708829.581105655.60311105655.601458.547371.048829.581104197.06321104197.061468.267361.318829.581102728.79331102728.791478.057351.538829.581101250.74341101250.741487.917341.678829.581099762.84351099762.841497.837331.758829.581098265.01361098265.011507.817321.778829.581096757.20371096757.201517.867311.718829.581095239.34381095239.341527.987301.608829.581093711.35391093711.351538.177291.418829.581092173.19401092173.191548.427281.158829.581090624.76411090624.761558.757270.838829.581089066.02421089066.021569.147260.448829.581087496.88431087496.881579.607249.988829.581085917.28441085917.281590.137239.458829.581084327.15451084327.151600.737228.858829.581082726.42461082726.421611.407218.188829.581081115.02471081115.021622.147207.438829.581079492.88481079492.881632.967196.628829.581077859.92491077859.921643.847185.738829.581076216.07501076216.071654.807174.778829.581074561.27511074561.271665.847163.748829.581072895.43521072895.431676.947152.648829.581071218.49531071218.491688.127141.468829.581069530.37541069530.371699.387130.208829.581067831.00551067831.001710.707118.878829.581066120.29561066120.291722.117107.478829.581064398.18571064398.181733.597095.998829.581062664.59581062664.591745.157084.438829.581060919.45591060919.451756.787072.808829.581059162.67601059162.671768.497061.088829.581057394.17611057394.171780.287049.298829.581055613.89621055613.891792.157037.438829.581053821.74631053821.741804.107025.488829.581052017.64641052017.641816.137013.458829.581050201.51651050201.511828.237001.348829.581048373.28661048373.281840.426989.168829.581046532.86671046532.861852.696976.898829.581044680.16681044680.161865.046964.538829.581042815.12691042815.121877.486952.108829.581040937.64701040937.641889.996939.588829.581039047.65711039047.651902.596926.988829.581037145.06721037145.061915.286914.308829.581035229.78731035229.781928.056901.538829.581033301.73741033301.731940.906888.688829.581031360.84751031360.841953.846875.748829.581029407.00761029407.001966.866862.718829.581027440.13771027440.131979.986849.608829.581025460.16781025460.161993.186836.408829.581023466.98791023466.982006.466823.118829.581021460.52801021460.522019.846809.748829.581019440.67811019440.672033.316796.278829.581017407.37821017407.372046.866782.728829.581015360.51831015360.512060.516769.078829.581013300.00841013300.002074.246755.338829.581011225.75851011225.752088.076741.518829.581009137.68861009137.682101.996727.588829.581007035.69871007035.692116.016713.578829.581004919.68881004919.682130.116699.468829.581002789.57891002789.572144.316685.268829.581000645.26901000645.262158.616670.978829.58998486.6591998486.652173.006656.588829.58996313.6592996313.652187.496642.098829.58994126.1693994126.162202.076627.518829.58991924.0994991924.092216.756612.838829.58989707.3495989707.342231.536598.058829.58987475.8196987475.812246.416583.178829.58985229.4197985229.412261.386568.208829.58982968.0298982968.022276.466553.128829.58980691.5799980691.572291.636537.948829.58978399.93100978399.932306.916522.678829.58976093.02101976093.022322.296507.298829.58973770.73102973770.732337.776491.808829.58971432.96103971432.962353.366476.228829.58969079.60104969079.602369.056460.538829.58966710.55105966710.552384.846444.748829.58964325.71106964325.712400.746428.848829.58961924.97107961924.972416.746412.838829.58959508.23108959508.232432.866396.728829.58957075.37109957075.372449.086380.508829.58954626.30110954626.302465.406364.188829.58952160.90111952160.902481.846347.748829.58949679.06112949679.062498.386331.198829.58947180.67113947180.672515.046314.548829.58944665.63114944665.632531.816297.778829.58942133.83115942133.832548.696280.898829.58939585.14116939585.142565.686263.908829.58937019.47117937019.472582.786246.808829.58934436.68118934436.682600.006229.588829.58931836.69119931836.692617.336212.248829.58929219.35120929219.352634.786194.808829.58926584.57121926584.572652.356177.238829.58923932.22122923932.222670.036159.558829.58921262.19123921262.192687.836141.758829.58918574.36124918574.362705.756123.838829.58915868.62125915868.622723.796105.798829.58913144.83126913144.832741.956087.638829.58910402.88127910402.882760.226069.358829.58907642.66128907642.662778.636050.958829.58904864.03129904864.032797.156032.438829.58902066.88130902066.882815.806013.788829.58899251.08131899251.082834.575995.018829.58896416.51132896416.512853.475976.118829.58893563.05133893563.052872.495957.098829.58890690.55134890690.552891.645937.948829.58887798.91135887798.912910.925918.668829.58884888.00136884888.002930.325899.258829.58881957.67137881957.672949.865879.728829.58879007.81138879007.812969.535860.058829.58876038.29139876038.292989.325840.268829.58873048.96140873048.963009.255820.338829.58870039.71141870039.713029.315800.268829.58867010.40142867010.403049.515780.078829.58863960.89143863960.893069.845759.748829.58860891.05144860891.053090.305739.278829.58857800.75145857800.753110.915718.678829.58854689.84146854689.843131.655697.938829.58851558.20147851558.203152.525677.058829.58848405.68148848405.683173.545656.048829.58845232.14149845232.143194.705634.888829.58842037.44150842037.443215.995613.588829.58838821.45151838821.453237.435592.148829.58835584.01152835584.013259.025570.568829.58832324.99153832324.993280.745548.838829.58829044.25154829044.253302.625526.968829.58825741.63155825741.633324.635504.948829.58822417.00156822417.003346.805482.788829.58819070.20157819070.203369.115460.478829.58815701.09158815701.093391.575438.018829.58812309.52159812309.523414.185415.408829.58808895.34160808895.343436.945392.648829.58805458.40161805458.403459.855369.728829.58801998.54162801998.543482.925346.668829.58798515.62163798515.623506.145323.448829.58795009.48164795009.483529.515300.068829.58791479.97165791479.973553.045276.538829.58787926.93166787926.933576.735252.858829.58784350.19167784350.193600.585229.008829.58780749.62168780749.623624.585205.008829.58777125.04169777125.043648.745180.838829.58773476.29170773476.293673.075156.518829.58769803.22171769803.223697.565132.028829.58766105.67172766105.673722.215107.378829.58762383.46173762383.463747.025082.568829.58758636.44174758636.443772.005057.588829.58754864.44175754864.443797.155032.438829.58751067.29176751067.293822.465007.128829.58747244.83177747244.833847.954981.638829.58743396.88178743396.883873.604955.988829.58739523.29179739523.293899.424930.168829.58735623.86180735623.863925.424904.168829.58731698.45181731698.453951.594877.998829.58727746.86182727746.863977.934851.658829.58723768.93183723768.934004.454825.138829.58719764.47184719764.474031.154798.438829.58715733.33185715733.334058.024771.568829.58711675.30186711675.304085.084744.508829.58707590.23187707590.234112.314717.278829.58703477.92188703477.924139.724689.858829.58699338.19189699338.194167.324662.258829.58695170.87190695170.874195.114634.478829.58690975.77191690975.774223.074606.518829.58686752.69192686752.694251.234578.358829.58682501.47193682501.474279.574550.018829.58678221.90194678221.904308.104521.488829.58673913.80195673913.804336.824492.768829.58669576.98196669576.984365.734463.858829.58665211.25197665211.254394.844434.748829.58660816.42198660816.424424.134405.448829.58656392.28199656392.284453.634375.958829.58651938.65200651938.654483.324346.268829.58647455.33201647455.334513.214316.378829.58642942.12202642942.124543.304286.288829.58638398.83203638398.834573.594255.998829.58633825.24204633825.244604.084225.508829.58629221.17205629221.174634.774194.818829.58624586.40206624586.404665.674163.918829.58619920.73207619920.734696.774132.808829.58615223.96208615223.964728.084101.498829.58610495.87209610495.874759.614069.978829.58605736.27210605736.274791.344038.248829.58600944.93211600944.934823.284006.308829.58596121.65212596121.654855.433974.148829.58591266.22213591266.224887.803941.778829.58586378.42214586378.424920.393909.198829.58581458.03215581458.034953.193876.398829.58576504.84216576504.844986.213843.378829.58571518.63217571518.635019.453810.128829.58566499.17218566499.175052.923776.668829.58561446.26219561446.265086.603742.988829.58556359.65220556359.655120.513709.068829.58551239.14221551239.145154.653674.938829.58546084.49222546084.495189.013640.568829.58540895.48223540895.485223.613605.978829.58535671.87224535671.875258.433571.158829.58530413.44225530413.445293.493536.098829.58525119.95226525119.955328.783500.808829.58519791.17227519791.175364.303465.278829.58514426.87228514426.875400.073429.518829.58509026.80229509026.805436.073393.518829.58503590.74230503590.745472.313357.278829.58498118.43231498118.435508.793320.798829.58492609.64232492609.645545.513284.068829.58487064.13233487064.135582.483247.098829.58481481.65234481481.655619.703209.888829.58475861.95235475861.955657.163172.418829.58470204.78236470204.785694.883134.708829.58464509.90237464509.905732.843096.738829.58458777.06238458777.065771.063058.518829.58453005.99239453005.995809.543020.048829.58447196.46240447196.465848.272981.318829.58441348.19241441348.195887.262942.328829.58435460.93242435460.935926.502903.078829.58429534.43243429534.435966.012863.568829.58423568.41244423568.416005.792823.798829.58417562.62245417562.626045.832783.758829.58411516.80246411516.806086.132743.458829.58405430.67247405430.676126.712702.878829.58399303.96248399303.966167.552662.038829.58393136.41249393136.416208.672620.918829.58386927.74250386927.746250.062579.528829.58380677.68251380677.686291.732537.858829.58374385.95252374385.956333.672495.918829.58368052.28253368052.286375.902453.688829.58361676.39254361676.396418.402411.188829.58355257.99255355257.996461.192368.398829.58348796.79256348796.796504.272325.318829.58342292.53257342292.536547.632281.958829.58335744.90258335744.906591.282238.308829.58329153.62259329153.626635.222194.368829.58322518.40260322518.406679.452150.128829.58315838.95261315838.956723.982105.598829.58309114.96262309114.966768.812060.778829.58302346.15263302346.156813.942015.648829.58295532.22264295532.226859.361970.218829.58288672.85265288672.856905.091924.498829.58281767.76266281767.766951.131878.458829.58274816.64267274816.646997.471832.118829.58267819.17268267819.177044.121785.468829.58260775.05269260775.057091.081738.508829.58253683.98270253683.987138.351691.238829.58246545.62271246545.627185.941643.648829.58239359.68272239359.687233.851595.738829.58232125.84273232125.847282.071547.518829.58224843.77274224843.777330.621498.968829.58217513.15275217513.157379.491450.098829.58210133.66276210133.667428.691400.898829.58202704.97277202704.977478.211351.378829.58195226.76278195226.767528.071301.518829.58187698.69279187698.697578.251251.328829.58180120.44280180120.447628.771200.808829.58172491.67281172491.677679.631149.948829.58164812.03282164812.037730.831098.758829.58157081.20283157081.207782.371047.218829.58149298.83284149298.837834.25995.338829.58141464.58285141464.587886.48943.108829.58133578.10286133578.107939.06890.528829.58125639.04287125639.047991.98837.598829.58117647.06288117647.068045.26784.318829.58109601.80289109601.808098.90730.688829.58101502.90290101502.908152.89676.698829.5893350.0129193350.018207.24622.338829.5885142.7629285142.768261.96567.628829.5876880.8029376880.808317.04512.548829.5868563.7629468563.768372.49457.098829.5860191.2829560191.288428.30401.288829.5851762.9729651762.978484.49345.098829.5843278.4829743278.488541.05288.528829.5834737.4329834737.438597.99231.588829.5826139.4329926139.438655.31174.268829.5817484.1230017484.128713.02116.568829.588771.103018771.108771.1058.478829.58-0.0010. Una persona compra un departamento que cuesta $230 000 de contado. Da un anticipo del 25% y el saldo se va a liquidar en 15 aos mediante abonos mensuales. Calcule el pago mensual y el inters total a pagar, si la tasa de inters es del 16% capitalizable cada mes.

Precio de contado230000Enganche57500Valor actual172500Tiempo15aos180mesesInters0.16anual cap. Mensual0.0133333333mensual cap mensualPago2533.5087793191PeriodoSaldo InicialAbono a CapitalInteresesPagoSaldo Final01725001725001172500233.512300.002533.51172266.492172266.491220681236.622296.892533.51172029.873172029.868990971239.782293.732533.51171790.094171790.091798198242.972290.532533.51171547.125171547.117576188246.212287.292533.51171300.906171300.903697885249.502284.012533.51171051.417171051.406967871252.822280.692533.51170798.588170798.583614791256.192277.312533.51170542.399170542.389283669259.612273.902533.51170282.7810170282.779028132263.072270.442533.51170019.7111170019.707302521266.582266.932533.51169753.1312169753.127953902270.132263.382533.51169482.9913169482.994213969273.742259.772533.51169209.2614169209.258690836277.392256.122533.51168931.8715168931.873360728281.082252.422533.51168650.7916168650.789559552284.832248.682533.51168365.9617168365.95797436288.632244.882533.51168077.3318168077.328634699292.482241.032533.51167784.8519167784.850903843296.382237.132533.51167488.4720167488.473469909300.332233.182533.51167188.1421167188.144336855304.332229.182533.51166883.8122166883.810815361308.392225.122533.51166575.4223166575.41951358312.502221.012533.51166262.9224166262.916327775316.672216.842533.51165946.2525165946.246432826320.892212.622533.51165625.3526165625.354272612325.172208.342533.51165300.1827165300.183550261329.512204.002533.51164970.6828164970.677218278333.902199.612533.51164636.7829164636.777468536338.352195.162533.51164298.4330164298.425722131342.862190.652533.51163955.5631163955.562619107347.432186.072533.51163608.1332163608.128008043352.072181.442533.51163256.0633163256.060935498356.762176.752533.51162899.3034162899.299635319361.522171.992533.51162537.7835162537.781517804366.342167.172533.51162171.4436162171.443158722371.222162.292533.51161800.2237161800.220288186376.172157.342533.51161424.0538161424.047779376381.192152.322533.51161042.8639161042.859637115386.272147.242533.51160656.5940160656.588986291391.422142.092533.51160265.1741160265.168060123396.642136.872533.51159868.5342159868.528188272401.932131.582533.51159466.6043159466.599784797407.292126.222533.51159059.3144159059.312335942412.722120.792533.51158646.5945158646.594387768418.222115.292533.51158228.3746158228.37353362423.802109.712533.51157804.5847157804.576401415429.452104.062533.51157375.1348157375.128640782435.172098.342533.51156939.9549156939.954910007440.982092.532533.51156498.9850156498.978862821446.862086.652533.51156052.1251156052.123135006452.812080.692533.51155599.3152155599.309330821458.852074.662533.51155140.4653155140.458009246464.972068.542533.51154675.4954154675.48867005471.172062.342533.51154204.3255154204.319739665477.452056.062533.51153726.8756153726.868556875483.822049.692533.51153243.0557153243.051358314490.272043.242533.51152752.7858152752.783263772496.812036.702533.51152255.9859152255.978261304503.432030.082533.51151752.5560151752.549192135510.142023.372533.51151242.4161151242.407735378516.942016.572533.51150725.4662150725.464392531523.842009.672533.51150201.6363150201.628471779530.822002.692533.51149670.8164149670.808072083537.901995.612533.51149132.9165149132.910067059545.071988.442533.51148587.8466148587.840088634552.341981.172533.51148035.5067148035.502510497559.701973.812533.51147475.8068147475.800431318567.161966.342533.51146908.6469146908.635657749574.731958.782533.51146333.9170146333.9086872582.391951.122533.51145751.5271145751.518690377590.161943.352533.51145161.3672145161.363493597598.021935.482533.51144563.3473144563.339560859606.001927.512533.51143957.3474143957.341975685614.081919.432533.51143343.2675143343.264422708622.271911.242533.51142721.0076142720.999169025630.561902.952533.51142090.4477142090.437045293638.971894.542533.51141451.4778141451.467426578647.491886.022533.51140803.9879140803.978212946656.121877.392533.51140147.8680140147.8558098664.871868.642533.51139482.9981139482.985107945673.741859.772533.51138809.2582138809.249463399682.721850.792533.51138126.5383138126.530676925691.821841.692533.51137434.7184137434.708973298701.051832.462533.51136733.6685136733.66298029710.391823.122533.51136023.2786136023.269707374719.871813.642533.51135303.4087135303.404524154729.461804.052533.51134573.9488134573.94113849739.191794.322533.51133834.7589133834.751574351749.051784.462533.51133085.7190133085.706149357759.031774.482533.51132326.6791132326.673452029769.151764.362533.51131557.5292131557.520318737779.411754.102533.51130778.1193130778.111810334789.801743.712533.51129988.3194129988.311188486800.331733.182533.51129187.9895129187.97989168811.001722.512533.51128376.9896128376.977510917821.821711.692533.51127555.1697127555.161765077832.771700.742533.51126722.3998126722.388475959843.881689.632533.51125878.5199125878.511542986855.131678.382533.51125023.38100125023.382917573866.531666.982533.51124156.85101124156.852577155878.081655.422533.51123278.77102123278.768498865889.791643.722533.51122388.98103122388.976632864901.661631.852533.51121487.32104121487.320875317913.681619.832533.51120573.64105120573.643041002925.861607.652533.51119647.78106119647.782835563938.211595.302533.51118709.58107118709.577827385950.711582.792533.51117758.86108117758.863419097963.391570.122533.51116795.47109116795.4728187976.241557.272533.51115819.24110115819.237010297989.251544.262533.51114829.98111114829.9847244481002.441531.072533.51113827.54112113827.5424081221015.811517.702533.51112811.73113112811.7341942441029.351504.162533.51111782.38114111782.3818708481043.081490.432533.51110739.30115110739.3048498071056.981476.522533.51109682.32116109682.3201351521071.081462.432533.51108611.24117108611.2422909691085.361448.152533.51107525.88118107525.8834088631099.831433.682533.51106426.05119106426.0530749951114.491419.012533.51105311.56120105311.5583366761129.351404.152533.51104182.20121104182.2036685131144.411389.102533.51103037.79122103037.7909381071159.671373.842533.51101878.12123101878.1193712961175.131358.372533.51100702.99124100702.9855169281190.801342.712533.5199512.1812599512.18321116761206.681326.832533.5198305.5012698305.50354133071222.771310.742533.5197082.7312797082.73480922941239.071294.442533.5195843.6612895843.66249403341255.591277.922533.5194588.0712994588.06921463481272.331261.172533.5193315.7313093315.73469151091289.301244.212533.5192026.4413192026.43570807871306.491227.022533.5190719.9513290719.9460715341323.911209.602533.5189396.0413389396.03657316871341.561191.952533.5188054.4713488054.47494815861359.451174.062533.5186695.0313586695.0258348151377.581155.932533.5185317.4513685317.45073329341395.941137.572533.5183921.5113783921.50796375161414.561118.952533.5182506.9513882506.95262394931433.421100.092533.5181073.5413981073.53654628291452.531080.982533.5179621.0114079621.00825424761471.901061.612533.5178149.1114178149.11291831851491.521041.992533.5176657.5914276657.59231124371511.411022.102533.5175146.1814375146.18476274121531.561001.952533.5173614.6314473614.62511359211551.98981.532533.5172062.6414572062.64466912091572.67960.842533.5170489.9714670489.97115205681593.64939.872533.5168896.3314768896.32865476521614.89918.622533.5167281.4414867281.4375908431636.42897.092533.5165645.0114965645.01464606851658.24875.272533.5163986.7715063986.7727286971680.35853.162533.5162306.4215162306.42091909391702.76830.752533.5160603.6615260603.66441869611725.46808.052533.5158878.2015358878.2044982931748.47785.042533.5157129.7415457129.73844561791771.78761.732533.5155357.9615555357.95951224041795.40738.112533.5153562.5615653562.55685975121819.34714.172533.5151743.2215751743.21550522881843.60689.912533.5149899.6215849899.61626597951868.18665.332533.5148031.4415948031.43570354021893.09640.422533.5146138.3516046138.3460669351918.33615.182533.5144220.0216144220.01523517511943.91589.602533.5142276.1116242276.10665899171969.83563.682533.5140306.2816340306.27930179251996.09537.422533.5138310.1916438310.18757983072022.71510.802533.5136287.4816536287.4813015762049.68483.832533.5134237.8116634237.8056062782077.00456.502533.5132160.8016732160.80090170932104.70428.812533.5130056.1016830056.10280107972132.76400.752533.5127923.3416927923.34205910842161.20372.312533.5125762.1417025762.14450724412190.01343.502533.5123572.1317123572.13098802162219.21314.302533.5121352.9217221352.91728854292248.80284.712533.5119104.1117319104.11407307112278.79254.722533.5116825.3317416825.32681472632309.17224.342533.5114516.1617514516.15572627022339.96193.552533.5112176.2017612176.19568996812371.16162.352533.519805.041779805.03618651532402.77130.732533.517402.261787402.26122301652434.8198.702533.514967.451794967.44926000432467.2866.232533.512500.171802500.17313748532500.1733.342533.51-0.0011. Una casa se vende en $725 000, precio de contado. Una familia la compra a crdito dando 30% de enganche y el resto a mensualidades de $7 500 que incluyen un inters del 1.4% mensual. Cuntos depsitos completos de $5 000 debern hacerse y cul ser el valor del depsito complementario? Construya la tabla de amortizacin

Precio de contado725000Enganche217500Valor presente507500Inters0.014mensual0.0011666667mens. Cap mensualPago5000Nm. Periodos108.0936448694Numero de pagos109PeriodoSaldo InicialAbono a CapitalInteresesPagoSaldo Final05075005075001507500.004407.92592.085000.00503092.082503092.084413.06586.945000.00498679.023498679.024418.21581.795000.00494260.824494260.824423.36576.645000.00489837.455489837.454428.52571.485000.00485408.936485408.934433.69566.315000.00480975.247480975.244438.86561.145000.00476536.388476536.384444.04555.965000.00472092.349472092.344449.23550.775000.00467643.1110467643.114454.42545.585000.00463188.7011463188.704459.61540.395000.00458729.0812458729.084464.82535.185000.00454264.2713454264.274470.03529.975000.00449794.2414449794.244475.24524.765000.00445319.0015445319.004480.46519.545000.00440838.5416440838.544485.69514.315000.00436352.8517436352.854490.92509.085000.00431861.9318431861.934496.16503.845000.00427365.7719427365.774501.41498.595000.00422864.3620422864.364506.66493.345000.00418357.7021418357.704511.92488.085000.00413845.7922413845.794517.18482.825000.00409328.6123409328.614522.45477.555000.00404806.1624404806.164527.73472.275000.00400278.4325400278.434533.01466.995000.00395745.4226395745.424538.30461.705000.00391207.1327391207.134543.59456.415000.00386663.5428386663.544548.89451.115000.00382114.6429382114.644554.20445.805000.00377560.4430377560.444559.51440.495000.00373000.9331373000.934564.83435.175000.00368436.1032368436.104570.16429.845000.00363865.9433363865.944575.49424.515000.00359290.4534359290.454580.83419.175000.00354709.6235354709.624586.17413.835000.00350123.4536350123.454591.52408.485000.00345531.9337345531.934596.88403.125000.00340935.0538340935.054602.24397.765000.00336332.8139336332.814607.61392.395000.00331725.1940331725.194612.99387.015000.00327112.2141327112.214618.37381.635000.00322493.8442322493.844623.76376.245000.00317870.0843317870.084629.15370.855000.00313240.9344313240.934634.55365.455000.00308606.3845308606.384639.96360.045000.00303966.4246303966.424645.37354.635000.00299321.0547299321.054650.79349.215000.00294670.2548294670.254656.22343.785000.00290014.0449290014.044661.65338.355000.00285352.3950285352.394667.09332.915000.00280685.3051280685.304672.53327.475000.00276012.7652276012.764677.99322.015000.00271334.7853271334.784683.44316.565000.00266651.3354266651.334688.91311.095000.00261962.4355261962.434694.38305.625000.00257268.0556257268.054699.85300.155000.00252568.2057252568.204705.34294.665000.00247862.8658247862.864710.83289.175000.00243152.0359243152.034716.32283.685000.00238435.7160238435.714721.83278.175000.00233713.8961233713.894727.33272.675000.00228986.5562228986.554732.85267.155000.00224253.7063224253.704738.37261.635000.00219515.3364219515.334743.90256.105000.00214771.4365214771.434749.43250.575000.00210022.0066210022.004754.97245.035000.00205267.0367205267.034760.52239.485000.00200506.5068200506.504766.08233.925000.00195740.4369195740.434771.64228.365000.00190968.7970190968.794777.20222.805000.00186191.5971186191.594782.78217.225000.00181408.8172181408.814788.36211.645000.00176620.4673176620.464793.94206.065000.00171826.5174171826.514799.54200.465000.00167026.9875167026.984805.14194.865000.00162221.8476162221.844810.74189.265000.00157411.1077157411.104816.35183.655000.00152594.7578152594.754821.97178.035000.00147772.7779147772.774827.60172.405000.00142945.1880142945.184833.23166.775000.00138111.9581138111.954838.87161.135000.00133273.0882133273.084844.51155.495000.00128428.5683128428.564850.17149.835000.00123578.3984123578.394855.83144.175000.00118722.5785118722.574861.49138.515000.00113861.0886113861.084867.16132.845000.00108993.9287108993.924872.84127.165000.00104121.0888104121.084878.53121.475000.0099242.558999242.554884.22115.785000.0094358.339094358.334889.92110.085000.0089468.429189468.424895.62104.385000.0084572.809284572.804901.3398.675000.0079671.479379671.474907.0592.955000.0074764.429474764.424912.7787.235000.0069851.649569851.644918.5181.495000.0064933.149664933.144924.2475.765000.0060008.899760008.894929.9970.015000.0055078.909855078.904935.7464.265000.0050143.169950143.164941.5058.505000.0045201.6610045201.664947.2652.745000.0040254.4010140254.404953.0446.965000.0035301.3610235301.364958.8241.185000.0030342.5410330342.544964.6035.405000.0025377.9410425377.944970.3929.615000.0020407.5510520407.554976.1923.815000.0015431.3610615431.364982.0018.005000.0010449.3610710449.364987.8112.195000.005461.551085461.554993.636.375000.00467.93109467.93467.930.55468.470.00

7. Calcular el valor descontado de una perpetuidad simple ordinaria que paga $400 anuales, si el inters es de 8%.