UNIVERSIDAD DE LA SABANAAdministracion de empresas

Matemáticas Fincancieras

TALLER # 5 SEMESTRE 2011-2

Maria Fernanda Pinzon Gomez

EJERCICIOS DEL TALLER

1)

Deuda 20,000,000 Nper 6 Meses

Meses Saldo inicial Intereses Abono a K Cuota01 20,000,000 500,000 - 500,000 2 20,000,000 500,000 - 500,000 3 20,000,000 500,000 - 500,000 4 20,000,000 500,000 - 500,000 5 20,000,000 500,000 - 500,000 6 20,000,000 500,000 20,000,000 500,000

2)

Electrodomestico 5000000

Cuota incial 500000Saldo 6 meses

Meses Saldo inicial Intereses Abono a K Cuota01 4,500,000 112,500 704,475 816,975 2 3,795,525 94,888 722,087 816,975 3 3,073,438 76,836 740,139 816,975 4 2,333,299 58,332 758,642 816,975 5 1,574,657 39,366 777,608 816,975

6 797,049 19,926 797,049 816,975

3)

Vehiculo 20,000,000 Cuota incial 2,000,000 Saldo 12 Mesescuota mensual 1,808,317.54

FINANCIACION INICIAL

Meses Saldo inicial Intereses Abono a K Cuota01 $ 18,000,000 $ 540,000 $ 1,268,318 $ 1,808,318 2 $ 16,731,682 $ 501,950 $ 1,306,367 $ 1,808,318 3 $ 15,425,315 $ 462,759 $ 1,345,558 $ 1,808,318 4 $ 14,079,757 $ 422,393 $ 1,385,925 $ 1,808,318 5 $ 12,693,833 $ 380,815 $ 1,427,503 $ 1,808,318 6 $ 11,266,330 $ 337,990 $ 1,470,328 $ 1,808,318 7 $ 9,796,002 $ 293,880 $ 1,514,437 $ 1,808,318 8 $ 8,281,565 $ 248,447 $ 1,559,871 $ 1,808,318 9 $ 6,721,694 $ 201,651 $ 1,606,667 $ 1,808,318

10 $ 5,115,028 $ 153,451 $ 1,654,867 $ 1,808,318 11 $ 3,460,161 $ 103,805 $ 1,704,513 $ 1,808,318 12 $ 1,755,648 $ 52,669 $ 1,755,648 $ 1,808,318

4)

Deuda $ 20,000,000 Tiempo 4 TrimestresTasa 9% tv

Trimestres Saldo inicial Intereses Abono a K Cuota01 20,000,000 1,800,000 - 1,800,000 2 20,000,000 1,800,000 - 1,800,000 3 20,000,000 1,800,000 8,639,230 10,439,230 4 11,360,770 1,022,469 9,416,760 10,439,230

5)

Credito 100,000,000 Tasa Tiempo 1 año

4 trimestres

Trimestres Saldo inicial Intereses Abono a K Cuota01 100,000,000 36,000,000 14,869,765 50,869,765 2 85,130,235 30,646,885 20,222,880 50,869,765 3 64,907,355 23,366,648 27,503,117 50,869,765 4 37,404,239 13,465,526 37,404,239 50,869,765

6)

Prestamo 10,000,000 TasaCancelarlo en 4 cuotas trimestrales

Trimestres Saldo inicial Intereses Abono a K Cuota01 10,000,000 600,000 2,285,915 2,885,915 2 7,714,085 462,845 2,423,070 2,885,915 3 5,291,015 317,461 2,568,454 2,885,915 4 2,722,561 163,354 2,722,561 2,885,915

7)

Deuda 10,000,000 Tasacancelar a 6 cuotas que crecen 10.000 cada mes

Meses Saldo inicial Intereses Abono a K Cuota01 10,000,000 250,000 1,541,220 1,791,220 2 8,458,780 211,470 1,589,750 1,801,220 3 6,869,030 171,726 1,639,494 1,811,220 4 5,229,536 130,738 1,690,481 1,821,220 5 3,539,055 88,476 1,742,743 1,831,220 6 1,796,312 44,908 1,796,312 1,841,220

8)

Credito por valor 5,000,000 TasaTiempo 8 meses

cuotas crecen en 1%

Meses Saldo inicial Intereses Abono a K Cuota0 (5,000,000)1 5,000,000 100,000 559,698 659,698 2 4,440,302 88,806 577,489 666,295

3 3,862,813 77,256 595,702 672,958 4 3,267,111 65,342 614,346 679,688 5 2,652,765 53,055 633,429 686,485 6 2,019,336 40,387 652,963 693,349 7 1,366,373 27,327 672,956 700,283 8 693,417 13,868 693,417 707,286

9)

Propiedad 30,000,000 TasaTiempo 2 AñosCuotas que crece al final del año 10%

Años Saldo inicial Intereses Abono a K Cuota0 (30,000,000)1 30,000,000 900,000 789,385 1,689,385 2 29,210,615 876,318 813,066 1,689,385 3 28,397,549 851,926 837,458 1,689,385 4 27,560,091 826,803 862,582 1,689,385 5 26,697,510 800,925 888,459 1,689,385 6 25,809,050 774,272 915,113 1,689,385 7 24,893,937 746,818 942,566 1,689,385 8 23,951,371 718,541 970,843 1,689,385 9 22,980,528 689,416 999,969 1,689,385

10 21,980,559 659,417 1,029,968 1,689,385 11 20,950,591 628,518 1,060,867 1,689,385 12 19,889,724 596,692 1,261,631 1,858,323 13 18,628,093 558,843 1,299,480 1,858,323 14 17,328,613 519,858 1,338,465 1,858,323 15 15,990,148 479,704 1,378,619 1,858,323 16 14,611,530 438,346 1,419,977 1,858,323 17 13,191,553 395,747 1,462,576 1,858,323 18 11,728,977 351,869 1,506,454 1,858,323 19 10,222,523 306,676 1,551,647 1,858,323 20 8,670,876 260,126 1,598,197 1,858,323 21 7,072,679 212,180 1,646,143 1,858,323 22 5,426,536 162,796 1,695,527 1,858,323 23 3,731,009 111,930 1,746,393 1,858,323 24 1,984,617 59,539 1,984,617 2,044,155

10)

Credito bancario 5,000,000 TasaTiempo 6 Meses

Periodo 1 2 3 4

TASA 1.50% 1.60% 1.70% 2%

2.30% 2.40% 2.50% 2.60%

Meses Saldo inicial Intereses Abono a K Cuota

01 5,000,000 114,870.70 79170001% 906,570.71 2 4,208,300 100,890.37 80568034% 906,570.71 3 3,402,620 84,977.50 82159321% 906,570.71 4 2,581,026 67,039.94 83953077% 906,570.71 5 1,741,496 46,975.35 85959536% 906,570.71 6 881,900 24,670.40 88190031% 906,570.71

11)

Meses Saldo inicial Intereses Abono a K Cuota01 5,000,000 114,870.70 745,129.30 860,000.00 2 4,254,871 102,006.87 777,993.13 880,000.00 3 3,476,878 86,832.03 813,167.97 900,000.00 4 2,663,710 69,187.57 850,812.43 920,000.00 5 1,812,897 48,901.34 891,098.66 940,000.00 6 921,799 25,786.52 921,798.51 947,585.03

EJERCIOS DEL LIBRO

1)

Obligacion Bnco 10,795,171 Cuotas 1,000,000 Mensuales

12 Mensuales

Meses Saldo inicial Intereses Abono a K Cuota0 (10,795,171)1 10,795,171 179,920 820,080 1,000,000 2 9,975,090 166,252 833,749 1,000,001 3 9,141,341 152,356 847,646 1,000,002 4 8,293,694 138,228 861,775 1,000,003

Variacion 10%

5 7,431,920 123,865 876,139 1,000,004 6 6,555,781 109,263 890,742 1,000,005 7 5,665,039 94,417 905,589 1,000,006 8 4,759,450 79,324 920,683 1,000,007 9 3,838,767 63,979 936,029 1,000,008

10 2,902,739 48,379 951,630 1,000,009 11 1,951,109 32,518 967,492 1,000,010 12 983,617 16,394 983,617 1,000,011

10,795,171 1.67%

2)

Terreno de contado 55,000,000 Cuotas mas 200,000 Nper 6 Meses

Meses Saldo inicial Intereses Abono a K Cuota01 55,000,000 1,100,000 8,230,468 9,330,468 2 46,769,532 935,391 8,595,078 9,530,468 3 38,174,454 763,489 8,966,979 9,730,468 4 29,207,474 584,149 9,346,319 9,930,468 5 19,861,156 397,223 9,733,245 10,130,468 6 10,127,910 202,558 10,127,910 10,330,468

Primera Cuota 9,330,468 Composicion de la cuota N.4

Intereses 584,149 Abono a K 9,346,319

3)Bco Davivi. Prestamo 25000000Nper 2 años

24 MesesCuota crece en 6%

Cuota # 14 1,376,352

Meses Saldo inicial Intereses Abono a K Cuota01 25,000,000 462,500 182,788 645,288 2 24,817,212 459,118 224,886 684,005 3 24,592,326 454,958 270,087 725,045 4 24,322,239 449,961 318,586 768,548 5 24,003,652 444,068 370,593 814,661 6 23,633,059 437,212 426,329 863,540

7 23,206,730 429,325 486,028 915,353 8 22,720,702 420,333 549,941 970,274 9 22,170,761 410,159 618,331 1,028,490

10 21,552,429 398,720 691,480 1,090,200 11 20,860,949 385,928 769,684 1,155,612 12 20,091,265 371,688 853,260 1,224,949 13 19,238,005 355,903 942,542 1,298,446 14 18,295,463 338,466 1,037,886 1,376,352 15 17,257,576 319,265 1,139,668 1,458,933 16 16,117,908 298,181 1,248,288 1,546,469 17 14,869,620 275,088 1,364,170 1,639,258 18 13,505,450 249,851 1,487,762 1,737,613 19 12,017,688 222,327 1,619,543 1,841,870 20 10,398,146 192,366 1,760,016 1,952,382 21 8,638,129 159,805 1,909,719 2,069,525 22 6,728,410 124,476 2,069,221 2,193,696 23 4,659,189 86,195 2,239,123 2,325,318 24 2,420,066 44,771 2,420,066 2,464,837

6)

Deuda 10,000,000 TasaCuotas de 2,200,000

Nper 5.47

Trimestres Saldo inicial Intereses Abono a K Cuota01 10,000,000.00 600,000.00 732,787.52 1,332,787.52 2 9,267,212.48 556,032.75 1,643,968.25 2,200,001.00 3 7,623,244.22 457,394.65 1,742,607.35 2,200,002.00 4 5,880,636.88 352,838.21 1,847,164.79 2,200,003.00 5 4,033,472.09 242,008.33 1,957,995.67 2,200,004.00 6 2,075,476.42 124,528.58 2,075,476.42 2,200,005.00

7)

Deuda 6,000,000 Nper 6 meses

Meses Saldo inicial Intereses Abono a K Cuota0

1 6,000,000 1,080,000 - 2,759,543

2 6,000,000 1,080,000 - 2,759,543 3 6,000,000 1,080,000 - 2,759,543 4 6,000,000 1,080,000 1,679,543 2,759,543 5 4,320,457 777,682 1,981,861 2,759,543 6 2,338,596 420,947 2,338,596 2,759,543

8)

Credito 34,500,000

# cuotas 60 crecen cuota 30,000 cada Mes

Meses Saldo inicial Intereses Abono a K Cuota01 $ 34,500,000 $ 517,500 $ (394,215) $ 123,285 2 $ 34,894,215 $ 523,413 $ (370,129) $ 153,285 3 $ 35,264,344 $ 528,965 $ (345,681) $ 183,285 4 $ 35,610,025 $ 534,150 $ (320,866) $ 213,285 5 $ 35,930,891 $ 538,963 $ (295,679) $ 243,285 6 $ 36,226,569 $ 543,399 $ (270,114) $ 273,285 7 $ 36,496,683 $ 547,450 $ (244,166) $ 303,285 8 $ 36,740,849 $ 551,113 $ (217,828) $ 333,285 9 $ 36,958,677 $ 554,380 $ (191,096) $ 363,285

10 $ 37,149,773 $ 557,247 $ (163,962) $ 393,285 11 $ 37,313,735 $ 559,706 $ (136,421) $ 423,285 12 $ 37,450,157 $ 561,752 $ (108,468) $ 453,285 13 $ 37,558,624 $ 563,379 $ (80,095) $ 483,285 14 $ 37,638,719 $ 564,581 $ (51,296) $ 513,285 15 $ 37,690,015 $ 565,350 $ (22,066) $ 543,285 16 $ 37,712,081 $ 565,681 $ 7,603 $ 573,285 17 $ 37,704,478 $ 565,567 $ 37,717 $ 603,285 18 $ 37,666,760 $ 565,001 $ 68,283 $ 633,285 19 $ 37,598,477 $ 563,977 $ 99,307 $ 663,285 20 $ 37,499,170 $ 562,488 $ 130,797 $ 693,285 21 $ 37,368,373 $ 560,526 $ 162,759 $ 723,285 22 $ 37,205,614 $ 558,084 $ 195,200 $ 753,285 23 $ 37,010,414 $ 555,156 $ 228,128 $ 783,285 24 $ 36,782,285 $ 551,734 $ 261,550 $ 813,285 25 $ 36,520,735 $ 547,811 $ 295,474 $ 843,285 26 $ 36,225,262 $ 543,379 $ 329,906 $ 873,285 27 $ 35,895,356 $ 538,430 $ 364,854 $ 903,285 28 $ 35,530,502 $ 532,958 $ 400,327 $ 933,285 29 $ 35,130,175 $ 526,953 $ 436,332 $ 963,285 30 $ 34,693,843 $ 520,408 $ 472,877 $ 993,285 31 $ 34,220,966 $ 513,314 $ 509,970 $ 1,023,285

32 $ 33,710,996 $ 505,665 $ 547,620 $ 1,053,285 33 $ 33,163,376 $ 497,451 $ 585,834 $ 1,083,285 34 $ 32,577,542 $ 488,663 $ 624,621 $ 1,113,285 35 $ 31,952,921 $ 479,294 $ 663,991 $ 1,143,285 36 $ 31,288,930 $ 469,334 $ 703,951 $ 1,173,285 37 $ 30,584,980 $ 458,775 $ 744,510 $ 1,203,285 38 $ 29,840,470 $ 447,607 $ 785,677 $ 1,233,285 39 $ 29,054,792 $ 435,822 $ 827,463 $ 1,263,285 40 $ 28,227,330 $ 423,410 $ 869,875 $ 1,293,285 41 $ 27,357,455 $ 410,362 $ 912,923 $ 1,323,285 42 $ 26,444,532 $ 396,668 $ 956,617 $ 1,353,285 43 $ 25,487,916 $ 382,319 $ 1,000,966 $ 1,383,285 44 $ 24,486,950 $ 367,304 $ 1,045,980 $ 1,413,285 45 $ 23,440,970 $ 351,615 $ 1,091,670 $ 1,443,285 46 $ 22,349,300 $ 335,239 $ 1,138,045 $ 1,473,285 47 $ 21,211,255 $ 318,169 $ 1,185,116 $ 1,503,285 48 $ 20,026,139 $ 300,392 $ 1,232,892 $ 1,533,285 49 $ 18,793,247 $ 281,899 $ 1,281,386 $ 1,563,285 50 $ 17,511,861 $ 262,678 $ 1,330,607 $ 1,593,285 51 $ 16,181,254 $ 242,719 $ 1,380,566 $ 1,623,285 52 $ 14,800,688 $ 222,010 $ 1,431,274 $ 1,653,285 53 $ 13,369,414 $ 200,541 $ 1,482,743 $ 1,683,285 54 $ 11,886,671 $ 178,300 $ 1,534,984 $ 1,713,285 55 $ 10,351,686 $ 155,275 $ 1,588,009 $ 1,743,285 56 $ 8,763,677 $ 131,455 $ 1,641,829 $ 1,773,285 57 $ 7,121,848 $ 106,828 $ 1,696,457 $ 1,803,285 58 $ 5,425,391 $ 81,381 $ 1,751,904 $ 1,833,285 59 $ 3,673,487 $ 55,102 $ 1,808,182 $ 1,863,285 60 $ 1,865,305 $ 27,980 $ 1,865,305 $ 1,893,285

9)

Activo 50,000,000

Meses Saldo inicial Intereses Abono a K Cuota

01 50,000,000 1,250,000 1,545,641 2,795,641 2 48,454,359 1,211,359 1,584,282 2,795,641 3 46,870,077 1,171,752 1,623,889 2,795,641 4 45,246,188 1,131,155 1,664,486 2,795,641 5 43,581,702 1,089,543 1,706,098 2,795,641 6 41,875,603 1,046,890 1,748,751 2,795,641 7 40,126,852 1,003,171 1,792,470 2,795,641 8 38,334,382 958,360 1,837,281 2,795,641 9 36,497,101 912,428 1,883,213 2,795,641

10 34,613,887 865,347 1,930,294 2,795,641 11 32,683,594 817,090 1,978,551 2,795,641 12 30,705,042 767,626 2,028,015 2,795,641 13 28,677,027 716,926 2,078,715 2,795,641 14 26,598,312 664,958 2,130,683 2,795,641 15 24,467,629 611,691 2,183,950 2,795,641 16 22,283,679 557,092 2,238,549 2,795,641 17 20,045,130 501,128 2,294,513 2,795,641 18 17,750,617 443,765 2,351,876 2,795,641 19 15,398,741 384,969 2,410,672 2,795,641 20 12,988,069 324,702 2,470,939 2,795,641 21 10,517,129 262,928 2,532,713 2,795,641 22 7,984,417 199,610 2,596,031 2,795,641 23 5,388,386 134,710 2,660,931 2,795,641 24 2,727,455 68,186 2,727,455 2,795,641

10)

Vivienda 72,000,000

Cuotas aumentan en 2% Mensual

Meses Saldo inicial Intereses Abono a K Cuota01 72,000,000 1,080,000 11,640 1,091,640 2 71,988,360 1,079,825 33,647 1,113,473 3 71,954,713 1,079,321 56,421 1,135,742 4 71,898,292 1,078,474 79,982 1,158,457 5 71,818,309 1,077,275 104,351 1,181,626 6 71,713,958 1,075,709 129,549 1,205,258 7 71,584,409 1,073,766 155,598 1,229,364 8 71,428,811 1,071,432 182,519 1,253,951 9 71,246,293 1,068,694 210,336 1,279,030

10 71,035,957 1,065,539 239,071 1,304,611 11 70,796,886 1,061,953 268,749 1,330,703 12 70,528,137 1,057,922 299,395 1,357,317 13 70,228,742 1,053,431 331,032 1,384,463 14 69,897,710 1,048,466 363,687 1,412,152 15 69,534,023 1,043,010 397,385 1,440,395 16 69,136,638 1,037,050 432,154 1,469,203 17 68,704,484 1,030,567 468,020 1,498,587 18 68,236,464 1,023,547 505,012 1,528,559 19 67,731,452 1,015,972 543,159 1,559,130 20 67,188,293 1,007,824 582,489 1,590,313 21 66,605,805 999,087 623,032 1,622,119 22 65,982,772 989,742 664,820 1,654,562 23 65,317,952 979,769 707,884 1,687,653

24 64,610,069 969,151 752,255 1,721,406 25 63,857,814 957,867 797,967 1,755,834 26 63,059,847 945,898 845,053 1,790,951 27 62,214,794 933,222 893,548 1,826,770 28 61,321,246 919,819 943,486 1,863,305 29 60,377,760 905,666 994,905 1,900,571 30 59,382,855 890,743 1,047,840 1,938,583 31 58,335,015 875,025 1,102,329 1,977,354 32 57,232,686 858,490 1,158,411 2,016,901 33 56,074,275 841,114 1,216,125 2,057,239 34 54,858,150 822,872 1,275,512 2,098,384 35 53,582,638 803,740 1,336,612 2,140,352 36 52,246,026 783,690 1,399,469 2,183,159 37 50,846,557 762,698 1,464,124 2,226,822 38 49,382,433 740,737 1,530,622 2,271,359 39 47,851,811 717,777 1,599,009 2,316,786 40 46,252,803 693,792 1,669,329 2,363,121 41 44,583,473 668,752 1,741,632 2,410,384 42 42,841,842 642,628 1,815,964 2,458,592 43 41,025,878 615,388 1,892,375 2,507,763 44 39,133,503 587,003 1,970,916 2,557,919 45 37,162,587 557,439 2,051,638 2,609,077 46 35,110,948 526,664 2,134,594 2,661,259 47 32,976,354 494,645 2,219,838 2,714,484 48 30,756,516 461,348 2,307,426 2,768,773 49 28,449,090 426,736 2,397,412 2,824,149 50 26,051,678 390,775 2,489,857 2,880,632 51 23,561,821 353,427 2,584,817 2,938,244 52 20,977,004 314,655 2,682,354 2,997,009 53 18,294,650 274,420 2,782,530 3,056,950 54 15,512,120 232,682 2,885,407 3,118,089 55 12,626,713 189,401 2,991,050 3,180,450 56 9,635,663 144,535 3,099,524 3,244,059 57 6,536,139 98,042 3,210,898 3,308,940 58 3,325,241 49,879 3,325,241 3,375,119

11)

Obligacion 10,000,000 # de cuotas 12 mensuales

Meses Saldo inicial Intereses Abono a K Cuota

0 (10,000,000)1 10,000,000 150,000 774,220 924,220 2 9,225,780 138,387 785,834 924,220 3 8,439,946 126,599 797,621 924,220 4 7,642,325 114,635 809,585 924,220

5 6,832,740 102,491 821,729 924,220 6 6,011,011 90,165 834,055 924,220 7 5,176,956 103,539 820,681 924,220 8 4,356,275 87,125 837,095 924,220 9 3,519,180 70,384 853,837 924,220

10 2,665,343 53,307 870,913 924,220 11 1,794,430 35,889 888,332 924,220 12 906,098 18,122 906,098 924,220

12)

Meses Saldo inicial Intereses Abono a K Cuota

0 (10,000,000)1 10,000,000 150,000 710,734 860,734 2 9,289,266 139,339 733,395 872,734 3 8,555,871 128,338 756,396 884,734 4 7,799,475 116,992 779,742 896,734 5 7,019,734 105,296 803,438 908,734 6 6,216,296 93,244 827,489 920,734 7 5,388,806 107,776 824,958 932,734 8 4,563,848 91,277 853,457 944,734 9 3,710,391 74,208 882,526 956,734

10 2,827,865 56,557 912,177 968,734 11 1,915,689 38,314 942,420 980,734 12 973,269 19,465 973,269 992,734

UNIVERSIDAD DE LA SABANAAdministracion de empresas

Matemáticas FincancierasGr- 1

TALLER # 5 SEMESTRE 2011-2

EJERCICIOS DEL TALLER

Tasa 2.50% Mensual

Saldo Final Tasa 20,000,000 2.50% 20,000,000 20,000,000 20,000,000 20,000,000 20,000,000 -

Tasa 30% Capitalizable mensualmente3% emv

Saldo Final Tasa

4,500,000 3% 3,795,525 3,073,438 2,333,299 1,574,657 797,049

-

Tasa 3% mensual

INTERESADO

Saldo Final Tasa Meses Saldo inicial Intereses $ 18,000,000 3% 0 $ 16,731,682 1 $ 18,000,000 $ 540,000 $ 15,425,315 2 $ 17,040,000 $ 511,200 $ 14,079,757 3 $ 16,051,200 $ 481,536 $ 12,693,833 4 $ 15,032,736 $ 450,982 $ 11,266,330 5 $ 13,983,718 $ 419,512 $ 9,796,002 6 $ 12,903,230 $ 387,097 $ 8,281,565 7 $ 9,796,002 $ 293,880 $ 6,721,694 8 $ 8,589,882 $ 257,696 $ 5,115,028 9 $ 7,347,579 $ 220,427 $ 3,460,161 10 $ 6,068,006 $ 182,040 $ 1,755,648 11 $ 4,750,046 $ 142,501 $ - 12 $ 3,392,548 $ 101,776

periodo de gracia 6 meses

Saldo Final Tasa

20,000,000 9% 20,000,000 20,000,000 11,360,770

1,944,010

36% tv

Saldo Final Tasa

100,000,000 36% 85,130,235 64,907,355 37,404,239 -

6% tv

Saldo Final Tasa

10,000,000 6% 7,714,085 5,291,015 2,722,561 -

2.50% mensual

Saldo Final Tasa

10,000,000 2.50% 8,458,780 6,869,030 5,229,536 3,539,055 1,796,312 -

2% mensual

Saldo Final Tasa 5,000,000 2.00% 4,440,302 3,862,813

3,267,111 2,652,765 2,019,336 1,366,373 693,417 -

3% Mensual42.58% EA

Saldo Final Tasa

30,000,000 3.00% 29,210,615 28,397,549 27,560,091 26,697,510 25,809,050 24,893,937 23,951,371 22,980,528 21,980,559 20,950,591 19,889,724 18,628,093 17,328,613 15,990,148 14,611,530 13,191,553 11,728,977 10,222,523 8,670,876 7,072,679 5,426,536 3,731,009 1,984,617 -

DTF + 10% EA

5 6 10% EA

1.90% 2%0.80% mv

2.70% 2.80%

Saldo Final Tasa

5,000,000 4,208,300 2.30% 3,402,620 2.40% 2,581,026 2.50% 1,741,496 2.60% 881,900 2.70% - 2.80%

Saldo Final Tasa 5,000,000 4,254,871 2.30% 3,476,878 2.40% 2,663,710 2.50% 1,812,897 2.60% 921,799 2.70% - 2.80%

EJERCIOS DEL LIBRO

Tasa 20% Capi. Mensualmente1.67% Efectiv. Mensual

Saldo Final Tasa

10,795,171 1.67% 9,975,090 9,141,341 8,293,694 7,431,920

6,555,781 5,665,039 4,759,450 3,838,767 2,902,739 1,951,109 983,617 - TIR

Tasa 2% Mensual

Saldo Final Tasa 55,000,000 2.00% 46,769,532 38,174,454 29,207,474 19,861,156 10,127,910 -

Tasa 1.85% mensual

Saldo Final Tasa 25,000,000 1.85% 24,817,212 24,592,326 24,322,239 24,003,652 23,633,059 23,206,730

22,720,702 22,170,761 21,552,429 20,860,949 20,091,265 19,238,005 18,295,463 17,257,576 16,117,908 14,869,620 13,505,450 12,017,688 10,398,146 8,638,129 6,728,410 4,659,189 2,420,066 0

6% Trimestral

Saldo Final Tasa 10,000,000 6.00% 9,267,212.48 7,623,244.22 5,880,636.88 4,033,472.09 2,075,476.42 -

Tasa 18% mv

Cuotas iguales

Saldo Final Tasa 6,000,000 18% 6,000,000

6,000,000 6,000,000 4,320,457 2,338,596 -

Tasa 1.5% Mensual

Saldo Final Tasa

$ 34,500,000 1.5% $ 34,894,215 $ 35,264,344 $ 35,610,025 $ 35,930,891 $ 36,226,569 $ 36,496,683 $ 36,740,849 $ 36,958,677 $ 37,149,773 $ 37,313,735 $ 37,450,157 $ 37,558,624 $ 37,638,719 $ 37,690,015 $ 37,712,081 $ 37,704,478 $ 37,666,760 $ 37,598,477 $ 37,499,170 $ 37,368,373 $ 37,205,614 $ 37,010,414 $ 36,782,285 $ 36,520,735 $ 36,225,262 $ 35,895,356 $ 35,530,502 $ 35,130,175 $ 34,693,843 $ 34,220,966 $ 33,710,996

$ 33,163,376 $ 32,577,542 $ 31,952,921 $ 31,288,930 $ 30,584,980 $ 29,840,470 $ 29,054,792 $ 28,227,330 $ 27,357,455 $ 26,444,532 $ 25,487,916 $ 24,486,950 $ 23,440,970 $ 22,349,300 $ 21,211,255 $ 20,026,139 $ 18,793,247 $ 17,511,861 $ 16,181,254 $ 14,800,688 $ 13,369,414 $ 11,886,671 $ 10,351,686 $ 8,763,677 $ 7,121,848 $ 5,425,391 $ 3,673,487 $ 1,865,305 $ (0)

Tasa 30% NAMV2.50% emv

Saldo Final Tasa

50,000,000 2.50% 48,454,359 46,870,077 45,246,188 43,581,702 41,875,603 40,126,852 38,334,382 36,497,101 34,613,887

32,683,594 30,705,042 28,677,027 26,598,312 24,467,629 22,283,679 20,045,130 17,750,617 15,398,741 12,988,069 10,517,129 7,984,417 5,388,386 2,727,455 -

Tasa 1.50% Mensual

Saldo Final Tasa 72,000,000 1.50% 71,988,360 71,954,713 71,898,292 71,818,309 71,713,958 71,584,409 71,428,811 71,246,293 71,035,957 70,796,886 70,528,137 70,228,742 69,897,710 69,534,023 69,136,638 68,704,484 68,236,464 67,731,452 67,188,293 66,605,805 65,982,772 65,317,952 64,610,069

63,857,814 63,059,847 62,214,794 61,321,246 60,377,760 59,382,855 58,335,015 57,232,686 56,074,275 54,858,150 53,582,638 52,246,026 50,846,557 49,382,433 47,851,811 46,252,803 44,583,473 42,841,842 41,025,878 39,133,503 37,162,587 35,110,948 32,976,354 30,756,516 28,449,090 26,051,678 23,561,821 20,977,004 18,294,650 15,512,120 12,626,713 9,635,663 6,536,139 3,325,241 (0)

Tasa (6) 1.50% Tasa (6) 2%

Saldo Final Tasa

10,000,000 1.50% 9,225,780 8,439,946 7,642,325 6,832,740

6,011,011 5,176,956 4,356,275 2% 3,519,180 2,665,343 1,794,430 906,098 -

Saldo Final Tasa

10,000,000 1.50% 9,289,266 8,555,871 7,799,475 7,019,734 6,216,296 5,388,806 4,563,848 2% 3,710,391 2,827,865 1,915,689 973,269 0

INTERESADO

Abono a K Cuota Saldo Final Tasa $ 18,000,000 3%

$ 960,000 $ 1,500,000 $ 17,040,000 $ 988,800 $ 1,500,000 $ 16,051,200 $ 1,018,464 $ 1,500,000 $ 15,032,736 $ 1,049,018 $ 1,500,000 $ 13,983,718 $ 1,080,488 $ 1,500,000 $ 12,903,230 $ 3,107,227 $ 3,494,324 $ 9,796,002 $ 1,206,120 $ 1,500,000 $ 8,589,882 $ 1,242,304 $ 1,500,000 $ 7,347,579 $ 1,279,573 $ 1,500,000 $ 6,068,006 $ 1,317,960 $ 1,500,000 $ 4,750,046 $ 1,357,499 $ 1,500,000 $ 3,392,548 $ 3,392,548 $ 3,494,324 $ -