1. ¿Qué es amortizar?

Amortización es el método por medio del cual se va liquidando una deuda en pagos parciales. El importe de cada pago sirve para
solventar los intereses de la deuda, y el sobrante se abona al capital que se debe en ese período.

2. ¿Qué es una tabla de amortización?

Es un documento informativo en el que podrás ver de manera detallada las fechas y la cantidad de dinero por pagar de tu crédito
hipotecario. Una tabla de amortización se compone de varias columnas en las que se detallan:
a). Número de pago. Es la columna que nos señala cuántos pagos se han realizado hasta el momento.
b). Saldo insoluto o saldo pendiente. Es el adeudo del crédito sin incluir los intereses del préstamo.
c). El interés. Es monto que pagarás por usar el crédito.
d). El Impuesto sobre el Valor Agregado (IVA) del interés ordinario. Es el detalle del impuesto que se carga a los intereses del
préstamo. Esto no aplica para todos los productos.
e). Pagos a Capital. Es la cantidad de tu mensualidad que disminuye el saldo insoluto.

3. Una deuda de $12 000 debe amortizarse mediante 4 pagos bimestrales iguales, el primero dentro de 2 meses, con intereses de
4% bimestral sobre saldos insolutos.
a) Calcular el importe de cada uno de los pagos.
b) Construir una tabla de amortización.
Capital 12,000.00 Capital 12,000.00
Periodo 4 pagos bimestrales Periodo 4 pagos bimestrales
Tasa 4% Tasa 4%
Renta $3,305.8805 Amortizacion 3,000.0000

𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖) 〗 ^(−𝑛) )

𝑅=(12000∗0,04)/(1− 〖 (1+0,04) 〗 ^(−4) ) METODO ALEMAN

PERIODO PAGO INTERES AMORTIZACION SALDO

METODO FRANCES 0 - - - 12,000.00
1 $3,480.00 480.00 $3,000.00 9,000.00
PERIODO PAGO INTERES AMORTIZACION SALDO 2 $3,360.00 360.00 3,000.00 6,000.00
0 - - - 12,000.00 3 $3,240.00 240.00 3,000.00 3,000.00
1 $3,305.88 480.00 2,825.88 9,174.12 4 $3,120.00 120.00 3,000.00 0.00
2 $3,305.88 366.96 2,938.92 6,235.20 13,200.00 1,200.00 12,000.00
3 $3,305.88 249.41 3,056.47 3,178.73
 4 $3,305.88 127.15 3,178.73 0.00
13,223.52 1,223.52 12,000.00
4. ¿Cuál sería el pago final que liquida una deuda de $23 000 contratada a 27% efectivo anual a pagar mediante 3 pagos anuales
vencidos de $10 000 y un pago final que debe realizarse al término de 4 años?
capital 23,000.00 Capital 23,000.00
periodo 4 pagos anuales Periodo 4 pagos anuales
pagos 1er 2do 3er 10,000.00 Tasa 27%
4to $10,520.4374 Amortizacion 5,750.0000
tasa 27%
METODO ALEMAN
METODO FRANCES
PERIODO PAGO INTERES AMORTIZACION SALDO
PERIODO PAGO INTERES AMORTIZACION SALDO 0 - - - 23,000.00
0 - - - 23,000.00 1 $11,960.00 6,210.00 $5,750.00 17,250.00
1 $10,000.00 6,210.00 3,790.00 19,210.00 2 $10,407.50 4,657.50 5,750.00 11,500.00
2 $10,000.00 5,186.70 4,813.30 14,396.70 3 $8,855.00 3,105.00 5,750.00 5,750.00
3 $10,000.00 3,887.11 6,112.89 8,283.81 4 $7,302.50 1,552.50 5,750.00 0.00
4 $10,520.44 2,236.63 8,283.81 0.00 38,525.00 15,525.00 23,000.00
40,520.44 17,520.44 23,000.00

5. Una deuda de $7 250 se debe pagar en un año mediante pagos trimestrales iguales vencidos. Si el interes pactado es de 36% anual
convertible trimestralmente:
a) Determine el importe de cada pago.
b) Construya una tabla de amortización.
capital 7,250.00 Capital 7,250.00
periodo 4 Periodo 4
tasa 36% convt/trimes 9% Tasa 27%
renta $2,237.85 Amortizacion 1,812.5000

𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖)𝑅=(7250∗0,09)/(1−
〗 ^(−𝑛) ) 〖 (1+0,09) 〗 ^(−4) ) METODO ALEMAN

PERIODO PAGO INTERES AMORTIZACION SALDO

METODO FRANCES 0 - - - 7,250.00
 1 $3,770.00 1,957.50 1,812.50 5,437.50
PERIODO PAGO INTERES AMORTIZACION SALDO 2 $3,280.63 1,468.13 1,812.50 3,625.00
0 - - - 7,250.00 3 $2,791.25 978.75 1,812.50 1,812.50
1 $2,237.85 652.50 1,585.35 5,664.65 4 $2,301.88 489.38 1,812.50 0.00
2 $2,237.85 509.82 1,728.03 3,936.62 12,143.75 4,893.75 7,250.00
3 $2,237.85 354.30 1,883.55 2,053.07
4 $2,237.85 184.78 2,053.07 0.00
8,951.39 1,701.39 7,250.00

6. Construya un cuadro de amortización de pagos mensuales vencidos de $1 025 hasta la extincion total de una deuda de $5800
pactada a 20% anual convertible mensualmente, calculando también el pago final que extinga la deuda.
capital 5,800.00 Capital 5,800.00
periodo 6 mensual Periodo 6
tasa 20% convt/mens 1.667% Tasa 20% convt/mens 1.667%
pagos 1er al 5to $1,025.00 Amortizacion 966.6667
6to
METODO FRANCES METODO ALEMAN

PERIODO PAGO INTERES AMORTIZACION SALDO PERIODO PAGO INTERES AMORTIZACION SALDO
0 - - - 5,800.00 0 - - - 5,800.00
1 $1,025.00 96.67 928.33 4,871.67 1 $1,063.33 96.67 966.67 4,833.33
2 $1,025.00 81.19 943.81 3,927.86 2 $1,047.22 80.56 966.67 3,866.67
3 $1,025.00 65.46 959.54 2,968.33 3 $1,031.11 64.44 966.67 2,900.00
4 $1,025.00 49.47 975.53 1,992.80 4 $1,015.00 48.33 966.67 1,933.33
5 $1,025.00 33.21 991.79 1,001.01 5 $998.89 32.22 966.67 966.67
6 $1,017.69 16.68 1,001.01 0.00 6 $982.78 16.11 966.67 0.00
6,142.69 342.69 5,800.00 4,156.67 290.00 5,800.00

7. Una pareja de recién casados adquiere una casa en condominio que cuesta $1 600 000. Paga un encganche de $500 000 y acuerda
pagar el resto mediante 24 mensualidades iguales con 24% de interes convertible mensualmente. Haga una tabla de amortizacion
que muestre los dos primeros y los dos últimos meses de la operación.
1,600,000.00 500,000.00 1,100,000.00 Capital 1,100,000.00
capital 1,100,000.00 Periodo 24
 periodo 24 mensual Tasa 24% convt/mens 2%
tasa 24% convt/mens 2% Amortizacion 45,833.3333
renta $58,158.21
METODO ALEMAN
𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖)𝑅=(1100000∗0,02)/(1−
〗 ^(−𝑛) ) 〖 (1+0,02) 〗 ^(−24) )
PERIODO PAGO INTERES AMORTIZACION SALDO
METODO FRANCES 0 - - - 1,100,000.00
1 $67,833.33 22,000.00 45,833.33 1,054,166.67
PERIODO PAGO INTERES AMORTIZACION SALDO 2 $66,916.67 21,083.33 45,833.33 1,008,333.33
0 - - - 1,100,000.00 3 $66,000.00 20,166.67 45,833.33 962,500.00
1 $58,158.21 22,000.00 36,158.21 1,063,841.79 4 $65,083.33 19,250.00 45,833.33 916,666.67
2 $58,158.21 21,276.84 36,881.37 1,026,960.42 5 $64,166.67 18,333.33 45,833.33 870,833.33
3 $58,158.21 20,539.21 37,619.00 989,341.42 6 $63,250.00 17,416.67 45,833.33 825,000.00
4 $58,158.21 19,786.83 38,371.38 950,970.04 7 $62,333.33 16,500.00 45,833.33 779,166.67
5 $58,158.21 19,019.40 39,138.81 911,831.24 8 $61,416.67 15,583.33 45,833.33 733,333.33
6 $58,158.21 18,236.62 39,921.58 871,909.66 9 $60,500.00 14,666.67 45,833.33 687,500.00
7 $58,158.21 17,438.19 40,720.01 831,189.64 10 $59,583.33 13,750.00 45,833.33 641,666.67
8 $58,158.21 16,623.79 41,534.41 789,655.23 11 $58,666.67 12,833.33 45,833.33 595,833.33
9 $58,158.21 15,793.10 42,365.10 747,290.13 12 $57,750.00 11,916.67 45,833.33 550,000.00
10 $58,158.21 14,945.80 43,212.40 704,077.72 13 $56,833.33 11,000.00 45,833.33 504,166.67
11 $58,158.21 14,081.55 44,076.65 660,001.07 14 $55,916.67 10,083.33 45,833.33 458,333.33
12 $58,158.21 13,200.02 44,958.19 615,042.88 15 $55,000.00 9,166.67 45,833.33 412,500.00
13 $58,158.21 12,300.86 45,857.35 569,185.53 16 $54,083.33 8,250.00 45,833.33 366,666.67
14 $58,158.21 11,383.71 46,774.50 522,411.04 17 $53,166.67 7,333.33 45,833.33 320,833.33
15 $58,158.21 10,448.22 47,709.99 474,701.05 18 $52,250.00 6,416.67 45,833.33 275,000.00
16 $58,158.21 9,494.02 48,664.19 426,036.87 19 $51,333.33 5,500.00 45,833.33 229,166.67
17 $58,158.21 8,520.74 49,637.47 376,399.40 20 $50,416.67 4,583.33 45,833.33 183,333.33
18 $58,158.21 7,527.99 50,630.22 325,769.18 21 $49,500.00 3,666.67 45,833.33 137,500.00
19 $58,158.21 6,515.38 51,642.82 274,126.35 22 $48,583.33 2,750.00 45,833.33 91,666.67
20 $58,158.21 5,482.53 52,675.68 221,450.67 23 $47,666.67 1,833.33 45,833.33 45,833.3333
21 $58,158.21 4,429.01 53,729.19 167,721.48 24 $46,750.00 916.67 45,833.33 0.00
22 $58,158.21 3,354.43 54,803.78 112,917.70 1,375,000.00 275,000.00 1,100,000.00
23 $58,158.21 2,258.35 55,899.85 57,017.85
 24 $58,158.21 1,140.36 57,017.85 0.00
1,395,796.97 295,796.97 1,100,000.00

8. Una persona adquiere un automóvil que cuesta $135 000. Paga $40 500 en efectivo y el resto con un prestamo de interes
social otorgado por una institución de seguridad social que le cobra 0.4% quincenal de interés. Calcule el valor de los derechos
adquiridos por el comprador en el momento de realizar el vigésimo octavo pago si lo acordado fue liquidar el saldo en 5 años
mediante pagos quincenales vencidos.

135,000.00 40,500.00 94,500.00 Capital 94,500.00

capital 94,500.00 Periodo 120
tasa 0.4% Tasa 0.4%
periodo 120 Amortizacion 787.50
renta $993.11
METODO ALEMAN
𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖) 〗 ^(−𝑛) )
𝑅=(94500∗0,004)/(1− 〖 (1+0,004) 〗 ^(−120) )
PERIODO PAGO INTERES AMORTIZACION SALDO
0 - - - 94,500.00
METODO FRANCES 1 $1,165.50 378.00 787.50 93,712.50
2 $1,162.35 374.85 787.50 92,925.00
PERIODO PAGO INTERES AMORTIZACION SALDO 3 $1,159.20 371.70 787.50 92,137.50
0 - - - 94,500.00 4 $1,156.05 368.55 787.50 91,350.00
1 $993.11 378.00 615.11 93,884.89 5 $1,152.90 365.40 787.50 90,562.50
2 $993.11 375.54 617.57 93,267.33 6 $1,149.75 362.25 787.50 89,775.00
3 $993.11 373.07 620.04 92,647.29 7 $1,146.60 359.10 787.50 88,987.50
4 $993.11 370.59 622.52 92,024.77 8 $1,143.45 355.95 787.50 88,200.00
5 $993.11 368.10 625.01 91,399.77 9 $1,140.30 352.80 787.50 87,412.50
6 $993.11 365.60 627.51 90,772.26 10 $1,137.15 349.65 787.50 86,625.00
7 $993.11 363.09 630.02 90,142.24 11 $1,134.00 346.50 787.50 85,837.50
8 $993.11 360.57 632.54 89,509.70 12 $1,130.85 343.35 787.50 85,050.00
9 $993.11 358.04 635.07 88,874.64 13 $1,127.70 340.20 787.50 84,262.50
10 $993.11 355.50 637.61 88,237.03 14 $1,124.55 337.05 787.50 83,475.00
11 $993.11 352.95 640.16 87,596.87 15 $1,121.40 333.90 787.50 82,687.50
12 $993.11 350.39 642.72 86,954.15 16 $1,118.25 330.75 787.50 81,900.00
13 $993.11 347.82 645.29 86,308.86 17 $1,115.10 327.60 787.50 81,112.50
14 $993.11 345.24 647.87 85,660.99 18 $1,111.95 324.45 787.50 80,325.00
15 $993.11 342.64 650.46 85,010.53 19 $1,108.80 321.30 787.50 79,537.50
16 $993.11 340.04 653.06 84,357.46 20 $1,105.65 318.15 787.50 78,750.00
17 $993.11 337.43 655.68 83,701.79 21 $1,102.50 315.00 787.50 77,962.50
18 $993.11 334.81 658.30 83,043.49 22 $1,099.35 311.85 787.50 77,175.00
19 $993.11 332.17 660.93 82,382.55 23 $1,096.20 308.70 787.50 76,387.50
20 $993.11 329.53 663.58 81,718.98 24 $1,093.05 305.55 787.50 75600.00
21 $993.11 326.88 666.23 81,052.75 25 $1,089.90 302.40 787.50 74812.50
22 $993.11 324.21 668.90 80,383.85 26 $1,086.75 299.25 787.50 74025.00
23 $993.11 321.54 671.57 79,712.28 27 $1,083.60 296.10 787.50 73237.50
24 $993.11 318.85 674.26 79,038.02 28 $1,080.45 292.95 787.50 72450.00
25 $993.11 316.15 676.95 78,361.07 29 $1,077.30 289.80 787.50 71662.50
26 $993.11 313.44 679.66 77,681.41 30 $1,074.15 286.65 787.50 70875.00
27 $993.11 310.73 682.38 76,999.03 31 $1,071.00 283.50 787.50 70087.50
28 $993.11 308.00 685.11 76,313.92 32 $1,067.85 280.35 787.50 69300.00
29 $993.11 305.26 687.85 75,626.07 33 $1,064.70 277.20 787.50 68512.50
30 $993.11 302.50 690.60 74,935.46 34 $1,061.55 274.05 787.50 67725.00
31 $993.11 299.74 693.36 74,242.10 35 $1,058.40 270.90 787.50 66937.50
32 $993.11 296.97 696.14 73,545.96 36 $1,055.25 267.75 787.50 66150.00
33 $993.11 294.18 698.92 72,847.04 37 $1,052.10 264.60 787.50 65362.50
34 $993.11 291.39 701.72 72,145.32 38 $1,048.95 261.45 787.50 64575.00
35 $993.11 288.58 704.53 71,440.80 39 $1,045.80 258.30 787.50 63787.50
36 $993.11 285.76 707.34 70,733.45 40 $1,042.65 255.15 787.50 63000.00
37 $993.11 282.93 710.17 70,023.28 41 $1,039.50 252.00 787.50 62212.50
38 $993.11 280.09 713.01 69,310.27 42 $1,036.35 248.85 787.50 61425.00
39 $993.11 277.24 715.87 68,594.40 43 $1,033.20 245.70 787.50 60637.50
40 $993.11 274.38 718.73 67,875.67 44 $1,030.05 242.55 787.50 59850.00
41 $993.11 271.50 721.60 67,154.07 45 $1,026.90 239.40 787.50 59062.50
42 $993.11 268.62 724.49 66,429.58 46 $1,023.75 236.25 787.50 58275.00
43 $993.11 265.72 727.39 65,702.19 47 $1,020.60 233.10 787.50 57487.50
44 $993.11 262.81 730.30 64,971.89 48 $1,017.45 229.95 787.50 56700.00
45 $993.11 259.89 733.22 64,238.67 49 $1,014.30 226.80 787.50 55912.50
46 $993.11 256.95 736.15 63,502.52 50 $1,011.15 223.65 787.50 55125.00
47 $993.11 254.01 739.10 62,763.43 51 $1,008.00 220.50 787.50 54337.50
48 $993.11 251.05 742.05 62,021.37 52 $1,004.85 217.35 787.50 53550.00
49 $993.11 248.09 745.02 61,276.35 53 $1,001.70 214.20 787.50 52762.50
50 $993.11 245.11 748.00 60,528.35 54 $998.55 211.05 787.50 51975.00
51 $993.11 242.11 750.99 59,777.36 55 $995.40 207.90 787.50 51187.50
52 $993.11 239.11 754.00 59,023.36 56 $992.25 204.75 787.50 50400.00
53 $993.11 236.09 757.01 58,266.35 57 $989.10 201.60 787.50 49612.50
54 $993.11 233.07 760.04 57,506.31 58 $985.95 198.45 787.50 48825.00
55 $993.11 230.03 763.08 56,743.23 59 $982.80 195.30 787.50 48037.50
56 $993.11 226.97 766.13 55,977.09 60 $979.65 192.15 787.50 47250.00
57 $993.11 223.91 769.20 55,207.90 61 $976.50 189.00 787.50 46462.50
58 $993.11 220.83 772.27 54,435.62 62 $973.35 185.85 787.50 45675.00
59 $993.11 217.74 775.36 53,660.26 63 $970.20 182.70 787.50 44887.50
60 $993.11 214.64 778.47 52,881.79 64 $967.05 179.55 787.50 44100.00
61 $993.11 211.53 781.58 52,100.21 65 $963.90 176.40 787.50 43312.50
62 $993.11 208.40 784.71 51,315.51 66 $960.75 173.25 787.50 42525.00
63 $993.11 205.26 787.84 50,527.66 67 $957.60 170.10 787.50 41737.50
64 $993.11 202.11 791.00 49,736.67 68 $954.45 166.95 787.50 40950.00
65 $993.11 198.95 794.16 48,942.51 69 $951.30 163.80 787.50 40162.50
66 $993.11 195.77 797.34 48,145.17 70 $948.15 160.65 787.50 39375.00
67 $993.11 192.58 800.53 47,344.64 71 $945.00 157.50 787.50 38587.50
68 $993.11 189.38 803.73 46,540.92 72 $941.85 154.35 787.50 37800.00
69 $993.11 186.16 806.94 45,733.97 73 $938.70 151.20 787.50 37012.50
70 $993.11 182.94 810.17 44,923.80 74 $935.55 148.05 787.50 36225.00
71 $993.11 179.70 813.41 44,110.39 75 $932.40 144.90 787.50 35437.50
72 $993.11 176.44 816.66 43,293.73 76 $929.25 141.75 787.50 34650.00
73 $993.11 173.17 819.93 42,473.80 77 $926.10 138.60 787.50 33862.50
74 $993.11 169.90 823.21 41,650.58 78 $922.95 135.45 787.50 33075.00
75 $993.11 166.60 826.50 40,824.08 79 $919.80 132.30 787.50 32287.50
76 $993.11 163.30 829.81 39,994.27 80 $916.65 129.15 787.50 31500.00
77 $993.11 159.98 833.13 39,161.14 81 $913.50 126.00 787.50 30712.50
78 $993.11 156.64 836.46 38,324.68 82 $910.35 122.85 787.50 29925.00
 79 $993.11 153.30 839.81 37,484.87 83 $907.20 119.70 787.50 29137.50
80 $993.11 149.94 843.17 36,641.70 84 $904.05 116.55 787.50 28350.00
81 $993.11 146.57 846.54 35,795.17 85 $900.90 113.40 787.50 27562.50
82 $993.11 143.18 849.93 34,945.24 86 $897.75 110.25 787.50 26775.00
83 $993.11 139.78 853.33 34,091.91 87 $894.60 107.10 787.50 25987.50
84 $993.11 136.37 856.74 33,235.18 88 $891.45 103.95 787.50 25200.00
85 $993.11 132.94 860.17 32,375.01 89 $888.30 100.80 787.50 24412.50
86 $993.11 129.50 863.61 31,511.40 90 $885.15 97.65 787.50 23625.00
87 $993.11 126.05 867.06 30,644.34 91 $882.00 94.50 787.50 22837.50
88 $993.11 122.58 870.53 29,773.81 92 $878.85 91.35 787.50 22050.00
89 $993.11 119.10 874.01 28,899.80 93 $875.70 88.20 787.50 21262.50
90 $993.11 115.60 877.51 28,022.30 94 $872.55 85.05 787.50 20475.00
91 $993.11 112.09 881.02 27,141.28 95 $869.40 81.90 787.50 19687.50
92 $993.11 108.57 884.54 26,256.74 96 $866.25 78.75 787.50 18900.00
93 $993.11 105.03 888.08 25,368.66 97 $863.10 75.60 787.50 18112.50
94 $993.11 101.47 891.63 24,477.03 98 $859.95 72.45 787.50 17325.00
95 $993.11 97.91 895.20 23,581.83 99 $856.80 69.30 787.50 16537.50
96 $993.11 94.33 898.78 22,683.05 100 $853.65 66.15 787.50 15750.00
97 $993.11 90.73 902.37 21,780.67 101 $850.50 63.00 787.50 14962.50
98 $993.11 87.12 905.98 20,874.69 102 $847.35 59.85 787.50 14175.00
99 $993.11 83.50 909.61 19,965.08 103 $844.20 56.70 787.50 13387.50
100 $993.11 79.86 913.25 19,051.84 104 $841.05 53.55 787.50 12600.00
101 $993.11 76.21 916.90 18,134.94 105 $837.90 50.40 787.50 11812.50
102 $993.11 72.54 920.57 17,214.37 106 $834.75 47.25 787.50 11025.00
103 $993.11 68.86 924.25 16,290.12 107 $831.60 44.10 787.50 10237.50
104 $993.11 65.16 927.95 15,362.18 108 $828.45 40.95 787.50 9450.00
105 $993.11 61.45 931.66 14,430.52 109 $825.30 37.80 787.50 8662.50
106 $993.11 57.72 935.38 13,495.13 110 $822.15 34.65 787.50 7875.00
107 $993.11 53.98 939.13 12,556.01 111 $819.00 31.50 787.50 7087.50
108 $993.11 50.22 942.88 11,613.13 112 $815.85 28.35 787.50 6300.00
109 $993.11 46.45 946.65 10,666.47 113 $812.70 25.20 787.50 5512.50
110 $993.11 42.67 950.44 9,716.03 114 $809.55 22.05 787.50 4725.00
111 $993.11 38.86 954.24 8,761.79 115 $806.40 18.90 787.50 3937.50
 112 $993.11 35.05 958.06 7,803.73 116 $803.25 15.75 787.50 3150.00
113 $993.11 31.21 961.89 6,841.84 117 $800.10 12.60 787.50 2362.50
114 $993.11 27.37 965.74 5,876.10 118 $796.95 9.45 787.50 1575.00
115 $993.11 23.50 969.60 4,906.50 119 $793.80 6.30 787.50 787.50
116 $993.11 19.63 973.48 3,933.02 120 $790.65 3.15 787.50 0.00
117 $993.11 15.73 977.37 2,955.64 117,369.00 22,869.00 94,500.00
118 $993.11 11.82 981.28 1,974.36
119 $993.11 7.90 985.21 989.15
120 $993.11 3.96 989.15 0.00
119,172.77 24,672.77 94,500.00
vigesimo octavo
94,500.00 - 76,313.92 = 18,186.08

9. En el ejercicio anterior, ¿cuál es el saldo en favor de la institución de seguridad social?

94,500.00 - 18,186.08 = 76,313.92

10. El licenciado Montiel adquiere a crédito un despacho en condominio que cuesta $185 000. Paga 30% de engache y se
compromete a pagar el saldo mediante pagos mensuales anticipados durante 3 años. Si la tasa de interes que paga es de 14%
anual convertible mensualmente, ¿qué cantidad tendría que pagar al cabo del trigésimo mes para adquirir la totalidad de los
derechos sobre el despacho?
30% Capital 129,500.00
185,000.00 55,500.00 129,500.00 Periodo 36
capital 129,500.00 Tasa 14% convt/mens 1.167%
periodo 36 Amortizacion 3,597.22
tasa 14% convrt/mens 1.167%
renta $4,426.00 METODO ALEMAN

𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖) 〗 ^(−𝑛) )

𝑅=(129500∗0,01167)/(1− 〖 (1+0,01167) 〗 ^(−36) ) PERIODO PAGO INTERES AMORTIZACION SALDO
0 - - - 129,500.00
METODO FRANCES 1 $5,108.06 1,510.83 3,597.22 125,902.78
2 $5,066.09 1,468.87 3,597.22 122,305.56
PERIODO PAGO INTERES AMORTIZACION SALDO 3 $5,024.12 1,426.90 3,597.22 118,708.33
0 - - - 129,500.00 4 $4,982.15 1,384.93 3,597.22 115,111.11
1 $4,426.00 1,510.83 2,915.17 126,584.83 5 $4,940.19 1,342.96 3,597.22 111,513.89
2 $4,426.00 1,476.82 2,949.18 123,635.65 6 $4,898.22 1,301.00 3,597.22 107,916.67
3 $4,426.00 1,442.42 2,983.59 120,652.06 7 $4,856.25 1,259.03 3,597.22 104,319.44
4 $4,426.00 1,407.61 3,018.40 117,633.67 8 $4,814.28 1,217.06 3,597.22 100,722.22
5 $4,426.00 1,372.39 3,053.61 114,580.06 9 $4,772.31 1,175.09 3,597.22 97,125.00
6 $4,426.00 1,336.77 3,089.24 111,490.82 10 $4,730.35 1,133.13 3,597.22 93,527.78
7 $4,426.00 1,300.73 3,125.28 108,365.54 11 $4,688.38 1,091.16 3,597.22 89,930.56
8 $4,426.00 1,264.26 3,161.74 105,203.81 12 $4,646.41 1,049.19 3,597.22 86,333.33
9 $4,426.00 1,227.38 3,198.63 102,005.18 13 $4,604.44 1,007.22 3,597.22 82,736.11
10 $4,426.00 1,190.06 3,235.94 98,769.24 14 $4,562.48 965.25 3,597.22 79,138.89
11 $4,426.00 1,152.31 3,273.70 95,495.54 15 $4,520.51 923.29 3,597.22 75,541.67
12 $4,426.00 1,114.11 3,311.89 92,183.65 16 $4,478.54 881.32 3,597.22 71,944.44
13 $4,426.00 1,075.48 3,350.53 88,833.13 17 $4,436.57 839.35 3,597.22 68,347.22
14 $4,426.00 1,036.39 3,389.62 85,443.51 18 $4,394.61 797.38 3,597.22 64,750.00
15 $4,426.00 996.84 3,429.16 82,014.35 19 $4,352.64 755.42 3,597.22 61,152.78
16 $4,426.00 956.83 3,469.17 78,545.18 20 $4,310.67 713.45 3,597.22 57,555.56
17 $4,426.00 916.36 3,509.64 75,035.54 21 $4,268.70 671.48 3,597.22 53,958.33
18 $4,426.00 875.41 3,550.59 71,484.95 22 $4,226.74 629.51 3,597.22 50,361.11
19 $4,426.00 833.99 3,592.01 67,892.94 23 $4,184.77 587.55 3,597.22 46,763.89
20 $4,426.00 792.08 3,633.92 64,259.02 24 $4,142.80 545.58 3,597.22 43166.67
21 $4,426.00 749.69 3,676.31 60,582.70 25 $4,100.83 503.61 3,597.22 39569.44
22 $4,426.00 706.80 3,719.20 56,863.50 26 $4,058.87 461.64 3,597.22 35972.22
23 $4,426.00 663.41 3,762.60 53,100.90 27 $4,016.90 419.68 3,597.22 32375.00
24 $4,426.00 619.51 3,806.49 49,294.41 28 $3,974.93 377.71 3,597.22 28777.78
25 $4,426.00 575.10 3,850.90 45,443.51 29 $3,932.96 335.74 3,597.22 25180.56
26 $4,426.00 530.17 3,895.83 41,547.68 30 $3,891.00 293.77 3,597.22 21583.33
27 $4,426.00 484.72 3,941.28 37,606.40 31 $3,849.03 251.81 3,597.22 17986.11
28 $4,426.00 438.74 3,987.26 33,619.14 32 $3,807.06 209.84 3,597.22 14388.89
29 $4,426.00 392.22 4,033.78 29,585.36 33 $3,765.09 167.87 3,597.22 10791.67
30 $4,426.00 345.16 4,080.84 25,504.52 34 $3,723.13 125.90 3,597.22 7194.44
31 $4,426.00 297.55 4,128.45 21,376.07 35 $3,681.16 83.94 3,597.22 3597.22
32 $4,426.00 249.39 4,176.62 17,199.45 36 $3,639.19 41.97 3,597.22 0.00
33 $4,426.00 200.66 4,225.34 12,974.11 157,450.42 27,950.42 129,500.00
 34 $4,426.00 151.36 4,274.64 8,699.47
35 $4,426.00 101.49 4,324.51 4,374.96
36 $4,426.00 51.04 4,374.96 0.00
159,336.11 29,836.11 129,500.00

11. ¿Con cuántos pagos semestrales iguales y vencidos de $9 500 y un último de mayor cuantía se pagaria la adquisicion de un
terreno que cuesta $59 540 si se carga una tasa anual de 10.5% convertible mensualmente? Elabore la tabla de amortizacion
correspondiente.
renta 9,500.00 METODO FRANCES
capital 59,540.00
tasa 5.250% PERIODO PAGO INTERES AMORTIZACION SALDO
periodo 7.80 0 - - - 59,540.00
n=(log(1 n=(log(1 1 9,500.00 3,125.85 6,374.15 53,165.85
−⁡〖 ((𝐶∗𝑖)) −⁡〖 ((59540∗0,008 2 9,500.00 2,791.21 6,708.79 46,457.06
3 9,500.00 2,439.00 7,061.00 39,396.05
/𝑅 〗 ))/(log⁡ 75))/9500 〗 ))/(log⁡ 4 9,500.00 2,068.29 7,431.71 31,964.35
(1+𝑖)) (1+0,00875))
5 9,500.00 1,678.13 7,821.87 24,142.47
6 9,500.00 1,267.48 8,232.52 15,909.95
7 16,745.23 835.27 15,909.96 0.00
73,745.23 14,205.23 59,540.00

12. Una persona tiene una deuda de $16 000 que convino en pagar con cuotas bimestrales vencidas e iguales durante un año
con intereses de 18% convertible cada 2 meses. ¿Cuántos pagos debe hacer si el saldo de su deuda es de $8 354.47?
capital 16,000.00 capital 835,447.00
periodo 6 renta $2,953.56
tasa 18% convrt/bimes 3% tasa 18% convrt/mens 3%
renta $2,953.56 periodo 3.0009432
n=(log(1 −⁡ n=(log(1
𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖) 〗 ^(−𝑛) )
𝑅=(16000∗0,03)/(1− 〖 (1+0,03) 〗 ^(−6) )
〖 ((𝐶∗𝑖))/𝑅 −⁡〖 ((8354,47∗0,03)
〗 ))/(log⁡(1+𝑖 )/2953,56 〗 ))/(log⁡(1
))
13. El doctor Villazán tiene una deuda de $3 500 contraída el 15 de octubre, +0,03))
con intereses de 27% anual convertible
mensualmente y que acordó pagar en 12 abonos mensuales vencidos e iguales . ¿Cuántos pagos ha realizado si ha adquirido
 derechos sobre la deuda por $1 271.90?
capital 3,500.00 capital 1,271.90
periodo 12 renta $336.06
tasa 27% convrt/mens 2.25% tasa 27% convrt/mens 2.25%
renta $336.06 periodo 4.8
n=(log⁡(1− n=(log(1
𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖) 〗 ^(−𝑛) )
𝑅=(3500∗0,0225)/(1− 〖 (1+0,0225) 〗 ^(−12) )
((𝐶∗𝑖))/𝑅))/ −⁡〖 ((1271∗𝑖0,0225
(log⁡(1+𝑖))
)/336,06
14. ¿Cuál es el valor de los derechos adquiridos sobre un mueble de sala por un cliente que lo compro 〗si))/(log⁡
a credito el precio(fue
1
+0,0225))
de $8 999 y se convino en pagarlo mediante 6 abonos mensuales vencidos con 15% de interés convertible mensualmente y ha
realizado 3 pagos?
capital 8,999.00 METODO FRANCES
periodo 6
tasa 15% convrt/mens 1.25%
PERIODO PAGO INTERES AMORTIZACION SALDO
renta $1,566.13 0 - - - 8,999.00
1 $1,566.13 112.49 1,453.64 7,545.36
𝑅=(𝐶∗𝑖)/(1− 〖 (1+𝑖) 〗 ^(−𝑛) )
𝑅=(8999∗0,0125)/(1− 〖 (1+0,0125) 〗 ^(−6) ) 2 $1,566.13 94.32 1,471.81 6,073.54
3 $1,566.13 75.92 1,490.21 4,583.33
4 $1,566.13 57.29 1,508.84 3,074.49
5 $1,566.13 38.43 1,527.70 1,546.80
6 $1,566.13 19.33 1,546.80 -
9,396.78 397.78 8,999.00
15. Determine el número de pagos necesarios para amortizar totalmente la compra a crédito de un automovil que cuesta
$198 000 y se vende con un enganche de 40% y el resto a pagar en mensualidades vemcidas de $5 592,33 con interes de 12%
convertible mensualmente.
40% METODO FRANCES
198,000.00 79,200.00 118,800.00
capital 118,800.00 PERIODO PAGO INTERES AMORTIZACION SALDO
renta $5,592.330 0 - - - 118,800.00
tasa 12% convrt/mens 1% 1 $5,592.33 1,188.00 4,404.33 114,395.67
periodo 24 2 $5,592.33 1,143.96 4,448.37 109,947.30
3 $5,592.33 1,099.47 4,492.86 105,454.44
n=(log⁡(1− n=(log⁡(1− 4 $5,592.33 1,054.54 4,537.79 100,916.65
((𝐶∗𝑖))/𝑅))/ ((118800∗0,01))/5592,3
(log⁡(1+𝑖)) 3))/(log⁡(1+0,01))
 n=(log⁡(1− n=(log⁡(1−
((𝐶∗𝑖))/𝑅))/ ((118800∗0,01))/5592,3 5 $5,592.33 1,009.17 4,583.16 96,333.49
(log⁡(1+𝑖)) 3))/(log⁡(1+0,01)) 6 $5,592.33 963.33 4,629.00 91,704.50
7 $5,592.33 917.04 4,675.29 87,029.21
8 $5,592.33 870.29 4,722.04 82,307.17
9 $5,592.33 823.07 4,769.26 77,537.91
10 $5,592.33 775.38 4,816.95 72,720.96
11 $5,592.33 727.21 4,865.12 67,855.84
12 $5,592.33 678.56 4,913.77 62,942.07
13 $5,592.33 629.42 4,962.91 57,979.16
14 $5,592.33 579.79 5,012.54 52,966.62
15 $5,592.33 529.67 5,062.66 47,903.96
16 $5,592.33 479.04 5,113.29 42,790.67
17 $5,592.33 427.91 5,164.42 37,626.25
18 $5,592.33 376.26 5,216.07 32,410.18
19 $5,592.33 324.10 5,268.23 27,141.95
20 $5,592.33 271.42 5,320.91 21,821.04
21 $5,592.33 218.21 5,374.12 16,446.92
22 $5,592.33 164.47 5,427.86 11,019.06
23 $5,592.33 110.19 5,482.14 5,536.92
24 $5,592.33 55.37 5,536.96 0.04
134,215.92 15,415.88 118,800.04

16. En una operación de crédito se salda una deuda de $15 000 mediante pagos trimestrales vencidos e iguales por $3 002,68
durante año y medio. ¿Cuál es la tasa de interés nominal anual con capitalización trimestral que se pagó? ¿Cuáles eran los
derechos del acreedor después del tercer pago?

15,000.00=3,002.68

capital 15,000.00
 renta 3,002.68
tasa 5.5%
periodo 6

METODO FRANCES

PERIODO PAGO INTERES AMORTIZACION SALDO

0 - - - 15,000.00
I=0,54=0,000997848 1 3,002.68 825.00 2,177.68 12,822.32
I= 0,54+0,000997848 2 3,002.68 705.23 2,297.45 10,524.86
I= 0,055 3 3,002.68 578.87 2,423.81 8,101.05
4 3,002.68 445.56 2,557.12 5,543.92
5 3,002.68 304.92 2,697.77 2,846.16
6 3,002.68 156.54 2,846.14 0.01
18,016.09 3,016.11 14,999.99