Ejercicios de Amortizacion PDF

Carlos Alejandro Rodriguez Amador Ejercicios Propuestos Sección: 0801
Cta# 20171031928 de Amortización
1. Se desea disponer de 1,200,000.00 al término de 10 años a través de reservas o depósitos semestrales

vencidos en un fondo que paga un 13% nominal. ¿Calcule el valorde los depósitos que deberán realizarse
para llegar a la meta? Y elabore el cuadro de amortización para los depósitos 1,2, 12 y el último depósito.
R/. Depósito= 30,907.67; intereses del depósito 2= 2,009.00; amortización del depósito12= 61,789.12;
intereses del último depósito 71,353.05
VF= - 1,200,000.00
VA= 0
J= 13%
i= 7%
NPER= 20
PAGO= L30,907.67
TIPO= 0
No. Deposito Interes Amortización Saldo

0 0
1 L30,907.67 L30,907.67 L30,907.67
2 L30,907.67 L2,009.00 L32,916.67 L63,824.35
3 L30,907.67 L4,148.58 L35,056.26 L98,880.60
4 L30,907.67 L6,427.24 L37,334.91 L136,215.52
5 L30,907.67 L8,854.01 L39,761.68 L175,977.20
6 L30,907.67 L11,438.52 L42,346.19 L218,323.39
7 L30,907.67 L14,191.02 L45,098.70 L263,422.09
8 L30,907.67 L17,122.44 L48,030.11 L311,452.20
9 L30,907.67 L20,244.39 L51,152.07 L362,604.27
10 L30,907.67 L23,569.28 L54,476.95 L417,081.22
11 L30,907.67 L27,110.28 L58,017.95 L475,099.17
12 L30,907.67 L30,881.45 L61,789.12 L536,888.29
13 L30,907.67 L34,897.74 L65,805.41 L602,693.71
14 L30,907.67 L39,175.09 L70,082.77 L672,776.47
15 L30,907.67 L43,730.47 L74,638.15 L747,414.62
16 L30,907.67 L48,581.95 L79,489.62 L826,904.24
17 L30,907.67 L53,748.78 L84,656.45 L911,560.69
18 L30,907.67 L59,251.44 L90,159.12 L1,001,719.81
19 L30,907.67 L65,111.79 L96,019.46 L1,097,739.27
20 L30,907.67 L71,353.05 L102,260.73 L1,200,000.00
TOTAL 618,153.49 581,846.51 1,200,000.00 10,151,484.79
2. Se contraer una deuda por 3,000,000.00 a un plazo de 15 años a una tasa del 18%
Nominal, la cual debe cancelarse a través de pagos mensuales vencidos. ¿Calcule el valor de
la cuota que deberá realizarse? y elabore el cuadro de amortización para las cuotas 1,2, 136
y la última cuota.
R/. Cuota= 48,312.63; intereses de la cuota 2= 44,950.31; amortización de la Deuda de la
cuota 136= 24,722.30; intereses de la última cuota= 713.98
VF= 0
VA= - 3,000,000.00
J= 18%
i= 2%
NPER= 180
PAGO= L48,312.63
TIPO= 0

0 3,000,000.00
1 L48,312.63 45,000.00 L3,312.63 2,996,687.37
2 L48,312.63 44,950.31 L3,362.32 2,993,325.05
3 L48,312.63 44,899.88 L3,412.76 2,989,912.29
4 L48,312.63 44,848.68 L3,463.95 2,986,448.35
5 L48,312.63 44,796.73 L3,515.91 2,982,932.44
6 L48,312.63 44,743.99 L3,568.64 2,979,363.80
7 L48,312.63 44,690.46 L3,622.17 2,975,741.62
8 L48,312.63 44,636.12 L3,676.51 2,972,065.11
9 L48,312.63 44,580.98 L3,731.65 2,968,333.46
10 L48,312.63 44,525.00 L3,787.63 2,964,545.83
11 L48,312.63 44,468.19 L3,844.44 2,960,701.39
12 L48,312.63 44,410.52 L3,902.11 2,956,799.28
13 L48,312.63 44,351.99 L3,960.64 2,952,838.63
14 L48,312.63 44,292.58 L4,020.05 2,948,818.58
15 L48,312.63 44,232.28 L4,080.35 2,944,738.23
16 L48,312.63 44,171.07 L4,141.56 2,940,596.67
17 L48,312.63 44,108.95 L4,203.68 2,936,392.99
18 L48,312.63 44,045.89 L4,266.74 2,932,126.26
19 L48,312.63 43,981.89 L4,330.74 2,927,795.52
20 L48,312.63 43,916.93 L4,395.70 2,923,399.82
21 L48,312.63 43,851.00 L4,461.63 2,918,938.19
22 L48,312.63 43,784.07 L4,528.56 2,914,409.63
23 L48,312.63 43,716.14 L4,596.49 2,909,813.14
24 L48,312.63 43,647.20 L4,665.43 2,905,147.71
25 L48,312.63 43,577.22 L4,735.42 2,900,412.29
26 L48,312.63 43,506.18 L4,806.45 2,895,605.84
27 L48,312.63 43,434.09 L4,878.54 2,890,727.30
28 L48,312.63 43,360.91 L4,951.72 2,885,775.58
29 L48,312.63 43,286.63 L5,026.00 2,880,749.58
30 L48,312.63 43,211.24 L5,101.39 2,875,648.19
31 L48,312.63 43,134.72 L5,177.91 2,870,470.29
32 L48,312.63 43,057.05 L5,255.58 2,865,214.71
33 L48,312.63 42,978.22 L5,334.41 2,859,880.30
34 L48,312.63 42,898.20 L5,414.43 2,854,465.87
35 L48,312.63 42,816.99 L5,495.64 2,848,970.23
36 L48,312.63 42,734.55 L5,578.08 2,843,392.15
37 L48,312.63 42,650.88 L5,661.75 2,837,730.40
38 L48,312.63 42,565.96 L5,746.68 2,831,983.73
39 L48,312.63 42,479.76 L5,832.88 2,826,150.85
40 L48,312.63 42,392.26 L5,920.37 2,820,230.48
41 L48,312.63 42,303.46 L6,009.17 2,814,221.31
42 L48,312.63 42,213.32 L6,099.31 2,808,122.00
43 L48,312.63 42,121.83 L6,190.80 2,801,931.20
44 L48,312.63 42,028.97 L6,283.66 2,795,647.53
45 L48,312.63 41,934.71 L6,377.92 2,789,269.61
46 L48,312.63 41,839.04 L6,473.59 2,782,796.03
47 L48,312.63 41,741.94 L6,570.69 2,776,225.34
48 L48,312.63 41,643.38 L6,669.25 2,769,556.09
49 L48,312.63 41,543.34 L6,769.29 2,762,786.80
50 L48,312.63 41,441.80 L6,870.83 2,755,915.97
51 L48,312.63 41,338.74 L6,973.89 2,748,942.07
52 L48,312.63 41,234.13 L7,078.50 2,741,863.57
53 L48,312.63 41,127.95 L7,184.68 2,734,678.90
54 L48,312.63 41,020.18 L7,292.45 2,727,386.45
55 L48,312.63 40,910.80 L7,401.83 2,719,984.61
56 L48,312.63 40,799.77 L7,512.86 2,712,471.75
57 L48,312.63 40,687.08 L7,625.55 2,704,846.20
58 L48,312.63 40,572.69 L7,739.94 2,697,106.26
59 L48,312.63 40,456.59 L7,856.04 2,689,250.22
60 L48,312.63 40,338.75 L7,973.88 2,681,276.34
61 L48,312.63 40,219.15 L8,093.49 2,673,182.86
62 L48,312.63 40,097.74 L8,214.89 2,664,967.97
63 L48,312.63 39,974.52 L8,338.11 2,656,629.86
64 L48,312.63 39,849.45 L8,463.18 2,648,166.68
65 L48,312.63 39,722.50 L8,590.13 2,639,576.54
66 L48,312.63 39,593.65 L8,718.98 2,630,857.56
67 L48,312.63 39,462.86 L8,849.77 2,622,007.79
68 L48,312.63 39,330.12 L8,982.51 2,613,025.28
69 L48,312.63 39,195.38 L9,117.25 2,603,908.03
70 L48,312.63 39,058.62 L9,254.01 2,594,654.02
71 L48,312.63 38,919.81 L9,392.82 2,585,261.20
72 L48,312.63 38,778.92 L9,533.71 2,575,727.48
73 L48,312.63 38,635.91 L9,676.72 2,566,050.76
74 L48,312.63 38,490.76 L9,821.87 2,556,228.89
75 L48,312.63 38,343.43 L9,969.20 2,546,259.70
76 L48,312.63 38,193.90 L10,118.74 2,536,140.96
77 L48,312.63 38,042.11 L10,270.52 2,525,870.44
78 L48,312.63 37,888.06 L10,424.57 2,515,445.87
79 L48,312.63 37,731.69 L10,580.94 2,504,864.93
80 L48,312.63 37,572.97 L10,739.66 2,494,125.27
81 L48,312.63 37,411.88 L10,900.75 2,483,224.52
82 L48,312.63 37,248.37 L11,064.26 2,472,160.25
83 L48,312.63 37,082.40 L11,230.23 2,460,930.03
84 L48,312.63 36,913.95 L11,398.68 2,449,531.34
85 L48,312.63 36,742.97 L11,569.66 2,437,961.68
86 L48,312.63 36,569.43 L11,743.21 2,426,218.48
87 L48,312.63 36,393.28 L11,919.35 2,414,299.12
88 L48,312.63 36,214.49 L12,098.14 2,402,200.98
89 L48,312.63 36,033.01 L12,279.62 2,389,921.36
90 L48,312.63 35,848.82 L12,463.81 2,377,457.55
91 L48,312.63 35,661.86 L12,650.77 2,364,806.78
92 L48,312.63 35,472.10 L12,840.53 2,351,966.25
93 L48,312.63 35,279.49 L13,033.14 2,338,933.12
94 L48,312.63 35,084.00 L13,228.63 2,325,704.48
95 L48,312.63 34,885.57 L13,427.06 2,312,277.42
96 L48,312.63 34,684.16 L13,628.47 2,298,648.95
97 L48,312.63 34,479.73 L13,832.90 2,284,816.05
98 L48,312.63 34,272.24 L14,040.39 2,270,775.66
99 L48,312.63 34,061.63 L14,251.00 2,256,524.67
100 L48,312.63 33,847.87 L14,464.76 2,242,059.90
101 L48,312.63 33,630.90 L14,681.73 2,227,378.17
102 L48,312.63 33,410.67 L14,901.96 2,212,476.21
103 L48,312.63 33,187.14 L15,125.49 2,197,350.72
104 L48,312.63 32,960.26 L15,352.37 2,181,998.35
105 L48,312.63 32,729.98 L15,582.66 2,166,415.70
106 L48,312.63 32,496.24 L15,816.40 2,150,599.30
107 L48,312.63 32,258.99 L16,053.64 2,134,545.66
108 L48,312.63 32,018.18 L16,294.45 2,118,251.22
109 L48,312.63 31,773.77 L16,538.86 2,101,712.35
110 L48,312.63 31,525.69 L16,786.95 2,084,925.41
111 L48,312.63 31,273.88 L17,038.75 2,067,886.66
112 L48,312.63 31,018.30 L17,294.33 2,050,592.32
113 L48,312.63 30,758.88 L17,553.75 2,033,038.58
114 L48,312.63 30,495.58 L17,817.05 2,015,221.53
115 L48,312.63 30,228.32 L18,084.31 1,997,137.22
116 L48,312.63 29,957.06 L18,355.57 1,978,781.64
117 L48,312.63 29,681.72 L18,630.91 1,960,150.74
118 L48,312.63 29,402.26 L18,910.37 1,941,240.37
119 L48,312.63 29,118.61 L19,194.03 1,922,046.34
120 L48,312.63 28,830.70 L19,481.94 1,902,564.41
121 L48,312.63 28,538.47 L19,774.17 1,882,790.24
122 L48,312.63 28,241.85 L20,070.78 1,862,719.46
123 L48,312.63 27,940.79 L20,371.84 1,842,347.62
124 L48,312.63 27,635.21 L20,677.42 1,821,670.21
125 L48,312.63 27,325.05 L20,987.58 1,800,682.63
126 L48,312.63 27,010.24 L21,302.39 1,779,380.24
127 L48,312.63 26,690.70 L21,621.93 1,757,758.31
128 L48,312.63 26,366.37 L21,946.26 1,735,812.05
129 L48,312.63 26,037.18 L22,275.45 1,713,536.60
130 L48,312.63 25,703.05 L22,609.58 1,690,927.02
131 L48,312.63 25,363.91 L22,948.73 1,667,978.30
132 L48,312.63 25,019.67 L23,292.96 1,644,685.34
133 L48,312.63 24,670.28 L23,642.35 1,621,042.99
134 L48,312.63 24,315.64 L23,996.99 1,597,046.00
135 L48,312.63 23,955.69 L24,356.94 1,572,689.06
136 L48,312.63 23,590.34 L24,722.30 1,547,966.76
137 L48,312.63 23,219.50 L25,093.13 1,522,873.64
138 L48,312.63 22,843.10 L25,469.53 1,497,404.11
139 L48,312.63 22,461.06 L25,851.57 1,471,552.54
140 L48,312.63 22,073.29 L26,239.34 1,445,313.20
141 L48,312.63 21,679.70 L26,632.93 1,418,680.26
142 L48,312.63 21,280.20 L27,032.43 1,391,647.84
143 L48,312.63 20,874.72 L27,437.91 1,364,209.92
144 L48,312.63 20,463.15 L27,849.48 1,336,360.44
145 L48,312.63 20,045.41 L28,267.22 1,308,093.21
146 L48,312.63 19,621.40 L28,691.23 1,279,401.98
147 L48,312.63 19,191.03 L29,121.60 1,250,280.38
148 L48,312.63 18,754.21 L29,558.43 1,220,721.95
149 L48,312.63 18,310.83 L30,001.80 1,190,720.15
150 L48,312.63 17,860.80 L30,451.83 1,160,268.32
151 L48,312.63 17,404.02 L30,908.61 1,129,359.72
152 L48,312.63 16,940.40 L31,372.24 1,097,987.48
153 L48,312.63 16,469.81 L31,842.82 1,066,144.66
154 L48,312.63 15,992.17 L32,320.46 1,033,824.20
155 L48,312.63 15,507.36 L32,805.27 1,001,018.93
156 L48,312.63 15,015.28 L33,297.35 967,721.59
157 L48,312.63 14,515.82 L33,796.81 933,924.78
158 L48,312.63 14,008.87 L34,303.76 899,621.02
159 L48,312.63 13,494.32 L34,818.32 864,802.70
160 L48,312.63 12,972.04 L35,340.59 829,462.11
161 L48,312.63 12,441.93 L35,870.70 793,591.41
162 L48,312.63 11,903.87 L36,408.76 757,182.65
163 L48,312.63 11,357.74 L36,954.89 720,227.76
164 L48,312.63 10,803.42 L37,509.21 682,718.55
165 L48,312.63 10,240.78 L38,071.85 644,646.70
166 L48,312.63 9,669.70 L38,642.93 606,003.76
167 L48,312.63 9,090.06 L39,222.57 566,781.19
168 L48,312.63 8,501.72 L39,810.91 526,970.28
169 L48,312.63 7,904.55 L40,408.08 486,562.20
170 L48,312.63 7,298.43 L41,014.20 445,548.00
171 L48,312.63 6,683.22 L41,629.41 403,918.59
172 L48,312.63 6,058.78 L42,253.85 361,664.74
173 L48,312.63 5,424.97 L42,887.66 318,777.08
174 L48,312.63 4,781.66 L43,530.98 275,246.10
175 L48,312.63 4,128.69 L44,183.94 231,062.16
176 L48,312.63 3,465.93 L44,846.70 186,215.46
177 L48,312.63 2,793.23 L45,519.40 140,696.06
178 L48,312.63 2,110.44 L46,202.19 94,493.87
179 L48,312.63 1,417.41 L46,895.22 47,598.65
180 L48,312.63 713.98 L47,598.65 0.00
3. Se contraer una deuda por 2,560,000.00 a un plazo de 20 años a una tasa del 20%
Nominal, la cual debe cancelarse a través de pagos mensuales vencidos. ¿Calcule el valor de
la cuota que deberá efectuarse? y elabore el cuadro de amortización para las cuotas 1,2,
125 y la última cuota.
R/. Cuota= 43,489.91; intereses de la cuota 2= 42,652.95; amortización de la Deuda de la
VF= 0
VA= - 2,560,000.00
J= 20%
i= 2%
NPER= 240
PAGO= L43,489.91
TIPO= 0

0 2,560,000.00
1 L43,489.91 42,666.67 L823.24 2,559,176.76
2 L43,489.91 42,652.95 L836.96 2,558,339.79
3 L43,489.91 42,639.00 L850.91 2,557,488.88
4 L43,489.91 42,624.81 L865.10 2,556,623.78
5 L43,489.91 42,610.40 L879.51 2,555,744.27
6 L43,489.91 42,595.74 L894.17 2,554,850.10
7 L43,489.91 42,580.83 L909.07 2,553,941.02
8 L43,489.91 42,565.68 L924.23 2,553,016.80
9 L43,489.91 42,550.28 L939.63 2,552,077.17
10 L43,489.91 42,534.62 L955.29 2,551,121.88
11 L43,489.91 42,518.70 L971.21 2,550,150.66
12 L43,489.91 42,502.51 L987.40 2,549,163.27
13 L43,489.91 42,486.05 L1,003.86 2,548,159.41
14 L43,489.91 42,469.32 L1,020.59 2,547,138.82
15 L43,489.91 42,452.31 L1,037.60 2,546,101.23
16 L43,489.91 42,435.02 L1,054.89 2,545,046.34
17 L43,489.91 42,417.44 L1,072.47 2,543,973.87
18 L43,489.91 42,399.56 L1,090.35 2,542,883.52
19 L43,489.91 42,381.39 L1,108.52 2,541,775.00
20 L43,489.91 42,362.92 L1,126.99 2,540,648.01
21 L43,489.91 42,344.13 L1,145.78 2,539,502.23
22 L43,489.91 42,325.04 L1,164.87 2,538,337.36
23 L43,489.91 42,305.62 L1,184.29 2,537,153.07
24 L43,489.91 42,285.88 L1,204.03 2,535,949.05
25 L43,489.91 42,265.82 L1,224.09 2,534,724.96
26 L43,489.91 42,245.42 L1,244.49 2,533,480.46
27 L43,489.91 42,224.67 L1,265.24 2,532,215.23
28 L43,489.91 42,203.59 L1,286.32 2,530,928.90
29 L43,489.91 42,182.15 L1,307.76 2,529,621.14
30 L43,489.91 42,160.35 L1,329.56 2,528,291.58
31 L43,489.91 42,138.19 L1,351.72 2,526,939.87
32 L43,489.91 42,115.66 L1,374.25 2,525,565.62
33 L43,489.91 42,092.76 L1,397.15 2,524,168.47
34 L43,489.91 42,069.47 L1,420.44 2,522,748.04
35 L43,489.91 42,045.80 L1,444.11 2,521,303.93
36 L43,489.91 42,021.73 L1,468.18 2,519,835.75
37 L43,489.91 41,997.26 L1,492.65 2,518,343.10
38 L43,489.91 41,972.39 L1,517.52 2,516,825.58
39 L43,489.91 41,947.09 L1,542.82 2,515,282.76
40 L43,489.91 41,921.38 L1,568.53 2,513,714.23
41 L43,489.91 41,895.24 L1,594.67 2,512,119.56
42 L43,489.91 41,868.66 L1,621.25 2,510,498.31
43 L43,489.91 41,841.64 L1,648.27 2,508,850.04
44 L43,489.91 41,814.17 L1,675.74 2,507,174.29
45 L43,489.91 41,786.24 L1,703.67 2,505,470.62
46 L43,489.91 41,757.84 L1,732.07 2,503,738.55
47 L43,489.91 41,728.98 L1,760.93 2,501,977.62
48 L43,489.91 41,699.63 L1,790.28 2,500,187.34
49 L43,489.91 41,669.79 L1,820.12 2,498,367.22
50 L43,489.91 41,639.45 L1,850.46 2,496,516.76
51 L43,489.91 41,608.61 L1,881.30 2,494,635.46
52 L43,489.91 41,577.26 L1,912.65 2,492,722.81
53 L43,489.91 41,545.38 L1,944.53 2,490,778.28
54 L43,489.91 41,512.97 L1,976.94 2,488,801.34
55 L43,489.91 41,480.02 L2,009.89 2,486,791.45
56 L43,489.91 41,446.52 L2,043.39 2,484,748.07
57 L43,489.91 41,412.47 L2,077.44 2,482,670.63
58 L43,489.91 41,377.84 L2,112.07 2,480,558.56
59 L43,489.91 41,342.64 L2,147.27 2,478,411.29
60 L43,489.91 41,306.85 L2,183.06 2,476,228.24
61 L43,489.91 41,270.47 L2,219.44 2,474,008.80
62 L43,489.91 41,233.48 L2,256.43 2,471,752.37
63 L43,489.91 41,195.87 L2,294.04 2,469,458.33
64 L43,489.91 41,157.64 L2,332.27 2,467,126.06
65 L43,489.91 41,118.77 L2,371.14 2,464,754.92
66 L43,489.91 41,079.25 L2,410.66 2,462,344.26
67 L43,489.91 41,039.07 L2,450.84 2,459,893.42
68 L43,489.91 40,998.22 L2,491.69 2,457,401.73
69 L43,489.91 40,956.70 L2,533.21 2,454,868.52
70 L43,489.91 40,914.48 L2,575.43 2,452,293.08
71 L43,489.91 40,871.55 L2,618.36 2,449,674.72
72 L43,489.91 40,827.91 L2,662.00 2,447,012.73
73 L43,489.91 40,783.55 L2,706.36 2,444,306.36
74 L43,489.91 40,738.44 L2,751.47 2,441,554.89
75 L43,489.91 40,692.58 L2,797.33 2,438,757.56
76 L43,489.91 40,645.96 L2,843.95 2,435,913.61
77 L43,489.91 40,598.56 L2,891.35 2,433,022.26
78 L43,489.91 40,550.37 L2,939.54 2,430,082.72
79 L43,489.91 40,501.38 L2,988.53 2,427,094.19
80 L43,489.91 40,451.57 L3,038.34 2,424,055.85
81 L43,489.91 40,400.93 L3,088.98 2,420,966.87
82 L43,489.91 40,349.45 L3,140.46 2,417,826.41
83 L43,489.91 40,297.11 L3,192.80 2,414,633.61
84 L43,489.91 40,243.89 L3,246.02 2,411,387.59
85 L43,489.91 40,189.79 L3,300.12 2,408,087.47
86 L43,489.91 40,134.79 L3,355.12 2,404,732.36
87 L43,489.91 40,078.87 L3,411.04 2,401,321.32
88 L43,489.91 40,022.02 L3,467.89 2,397,853.43
89 L43,489.91 39,964.22 L3,525.69 2,394,327.74
90 L43,489.91 39,905.46 L3,584.45 2,390,743.30
91 L43,489.91 39,845.72 L3,644.19 2,387,099.11
92 L43,489.91 39,784.99 L3,704.92 2,383,394.18
93 L43,489.91 39,723.24 L3,766.67 2,379,627.51
94 L43,489.91 39,660.46 L3,829.45 2,375,798.06
95 L43,489.91 39,596.63 L3,893.28 2,371,904.78
96 L43,489.91 39,531.75 L3,958.16 2,367,946.62
97 L43,489.91 39,465.78 L4,024.13 2,363,922.49
98 L43,489.91 39,398.71 L4,091.20 2,359,831.28
99 L43,489.91 39,330.52 L4,159.39 2,355,671.90
100 L43,489.91 39,261.20 L4,228.71 2,351,443.18
101 L43,489.91 39,190.72 L4,299.19 2,347,143.99
102 L43,489.91 39,119.07 L4,370.84 2,342,773.15
103 L43,489.91 39,046.22 L4,443.69 2,338,329.46
104 L43,489.91 38,972.16 L4,517.75 2,333,811.71
105 L43,489.91 38,896.86 L4,593.05 2,329,218.66
106 L43,489.91 38,820.31 L4,669.60 2,324,549.06
107 L43,489.91 38,742.48 L4,747.43 2,319,801.63
108 L43,489.91 38,663.36 L4,826.55 2,314,975.09
109 L43,489.91 38,582.92 L4,906.99 2,310,068.09
110 L43,489.91 38,501.13 L4,988.78 2,305,079.32
111 L43,489.91 38,417.99 L5,071.92 2,300,007.40
112 L43,489.91 38,333.46 L5,156.45 2,294,850.94
113 L43,489.91 38,247.52 L5,242.39 2,289,608.55
114 L43,489.91 38,160.14 L5,329.77 2,284,278.78
115 L43,489.91 38,071.31 L5,418.60 2,278,860.19
116 L43,489.91 37,981.00 L5,508.91 2,273,351.28
117 L43,489.91 37,889.19 L5,600.72 2,267,750.56
118 L43,489.91 37,795.84 L5,694.07 2,262,056.49
119 L43,489.91 37,700.94 L5,788.97 2,256,267.52
120 L43,489.91 37,604.46 L5,885.45 2,250,382.07
121 L43,489.91 37,506.37 L5,983.54 2,244,398.53
122 L43,489.91 37,406.64 L6,083.27 2,238,315.26
123 L43,489.91 37,305.25 L6,184.66 2,232,130.60
124 L43,489.91 37,202.18 L6,287.73 2,225,842.87
125 L43,489.91 37,097.38 L6,392.53 2,219,450.34
126 L43,489.91 36,990.84 L6,499.07 2,212,951.27
127 L43,489.91 36,882.52 L6,607.39 2,206,343.88
128 L43,489.91 36,772.40 L6,717.51 2,199,626.37
129 L43,489.91 36,660.44 L6,829.47 2,192,796.90
130 L43,489.91 36,546.61 L6,943.29 2,185,853.60
131 L43,489.91 36,430.89 L7,059.02 2,178,794.59
132 L43,489.91 36,313.24 L7,176.67 2,171,617.92
133 L43,489.91 36,193.63 L7,296.28 2,164,321.64
134 L43,489.91 36,072.03 L7,417.88 2,156,903.76
135 L43,489.91 35,948.40 L7,541.51 2,149,362.25
136 L43,489.91 35,822.70 L7,667.21 2,141,695.04
137 L43,489.91 35,694.92 L7,794.99 2,133,900.05
138 L43,489.91 35,565.00 L7,924.91 2,125,975.14
139 L43,489.91 35,432.92 L8,056.99 2,117,918.15
140 L43,489.91 35,298.64 L8,191.27 2,109,726.87
141 L43,489.91 35,162.11 L8,327.80 2,101,399.08
142 L43,489.91 35,023.32 L8,466.59 2,092,932.49
143 L43,489.91 34,882.21 L8,607.70 2,084,324.79
144 L43,489.91 34,738.75 L8,751.16 2,075,573.62
145 L43,489.91 34,592.89 L8,897.02 2,066,676.61
146 L43,489.91 34,444.61 L9,045.30 2,057,631.31
147 L43,489.91 34,293.86 L9,196.05 2,048,435.25
148 L43,489.91 34,140.59 L9,349.32 2,039,085.93
149 L43,489.91 33,984.77 L9,505.14 2,029,580.78
150 L43,489.91 33,826.35 L9,663.56 2,019,917.22
151 L43,489.91 33,665.29 L9,824.62 2,010,092.60
152 L43,489.91 33,501.54 L9,988.37 2,000,104.23
153 L43,489.91 33,335.07 L10,154.84 1,989,949.39
154 L43,489.91 33,165.82 L10,324.09 1,979,625.30
155 L43,489.91 32,993.76 L10,496.15 1,969,129.15
156 L43,489.91 32,818.82 L10,671.09 1,958,458.06
157 L43,489.91 32,640.97 L10,848.94 1,947,609.12
158 L43,489.91 32,460.15 L11,029.76 1,936,579.36
159 L43,489.91 32,276.32 L11,213.59 1,925,365.77
160 L43,489.91 32,089.43 L11,400.48 1,913,965.29
161 L43,489.91 31,899.42 L11,590.49 1,902,374.80
162 L43,489.91 31,706.25 L11,783.66 1,890,591.14
163 L43,489.91 31,509.85 L11,980.06 1,878,611.08
164 L43,489.91 31,310.18 L12,179.73 1,866,431.36
165 L43,489.91 31,107.19 L12,382.72 1,854,048.64
166 L43,489.91 30,900.81 L12,589.10 1,841,459.54
167 L43,489.91 30,690.99 L12,798.92 1,828,660.62
168 L43,489.91 30,477.68 L13,012.23 1,815,648.39
169 L43,489.91 30,260.81 L13,229.10 1,802,419.28
170 L43,489.91 30,040.32 L13,449.59 1,788,969.69
171 L43,489.91 29,816.16 L13,673.75 1,775,295.94
172 L43,489.91 29,588.27 L13,901.64 1,761,394.30
173 L43,489.91 29,356.57 L14,133.34 1,747,260.96
174 L43,489.91 29,121.02 L14,368.89 1,732,892.07
175 L43,489.91 28,881.53 L14,608.38 1,718,283.69
176 L43,489.91 28,638.06 L14,851.85 1,703,431.84
177 L43,489.91 28,390.53 L15,099.38 1,688,332.47
178 L43,489.91 28,138.87 L15,351.04 1,672,981.43
179 L43,489.91 27,883.02 L15,606.89 1,657,374.54
180 L43,489.91 27,622.91 L15,867.00 1,641,507.54
181 L43,489.91 27,358.46 L16,131.45 1,625,376.09
182 L43,489.91 27,089.60 L16,400.31 1,608,975.78
183 L43,489.91 26,816.26 L16,673.65 1,592,302.14
184 L43,489.91 26,538.37 L16,951.54 1,575,350.60
185 L43,489.91 26,255.84 L17,234.07 1,558,116.53
186 L43,489.91 25,968.61 L17,521.30 1,540,595.23
187 L43,489.91 25,676.59 L17,813.32 1,522,781.90
188 L43,489.91 25,379.70 L18,110.21 1,504,671.69
189 L43,489.91 25,077.86 L18,412.05 1,486,259.64
190 L43,489.91 24,770.99 L18,718.92 1,467,540.73
191 L43,489.91 24,459.01 L19,030.90 1,448,509.83
192 L43,489.91 24,141.83 L19,348.08 1,429,161.75
193 L43,489.91 23,819.36 L19,670.55 1,409,491.20
194 L43,489.91 23,491.52 L19,998.39 1,389,492.81
195 L43,489.91 23,158.21 L20,331.70 1,369,161.12
196 L43,489.91 22,819.35 L20,670.56 1,348,490.56
197 L43,489.91 22,474.84 L21,015.07 1,327,475.49
198 L43,489.91 22,124.59 L21,365.32 1,306,110.17
199 L43,489.91 21,768.50 L21,721.41 1,284,388.77
200 L43,489.91 21,406.48 L22,083.43 1,262,305.34
201 L43,489.91 21,038.42 L22,451.49 1,239,853.85
202 L43,489.91 20,664.23 L22,825.68 1,217,028.17
203 L43,489.91 20,283.80 L23,206.11 1,193,822.06
204 L43,489.91 19,897.03 L23,592.88 1,170,229.19
205 L43,489.91 19,503.82 L23,986.09 1,146,243.10
206 L43,489.91 19,104.05 L24,385.86 1,121,857.24
207 L43,489.91 18,697.62 L24,792.29 1,097,064.95
208 L43,489.91 18,284.42 L25,205.49 1,071,859.46
209 L43,489.91 17,864.32 L25,625.59 1,046,233.87
210 L43,489.91 17,437.23 L26,052.68 1,020,181.19
211 L43,489.91 17,003.02 L26,486.89 993,694.30
212 L43,489.91 16,561.57 L26,928.34 966,765.96
213 L43,489.91 16,112.77 L27,377.14 939,388.82
214 L43,489.91 15,656.48 L27,833.43 911,555.39
215 L43,489.91 15,192.59 L28,297.32 883,258.07
216 L43,489.91 14,720.97 L28,768.94 854,489.13
217 L43,489.91 14,241.49 L29,248.42 825,240.70
218 L43,489.91 13,754.01 L29,735.90 795,504.80
219 L43,489.91 13,258.41 L30,231.50 765,273.31
220 L43,489.91 12,754.56 L30,735.35 734,537.95
221 L43,489.91 12,242.30 L31,247.61 703,290.34
222 L43,489.91 11,721.51 L31,768.40 671,521.94
223 L43,489.91 11,192.03 L32,297.88 639,224.06
224 L43,489.91 10,653.73 L32,836.18 606,387.88
225 L43,489.91 10,106.46 L33,383.45 573,004.44
226 L43,489.91 9,550.07 L33,939.84 539,064.60
227 L43,489.91 8,984.41 L34,505.50 504,559.10
228 L43,489.91 8,409.32 L35,080.59 469,478.51
229 L43,489.91 7,824.64 L35,665.27 433,813.24
230 L43,489.91 7,230.22 L36,259.69 397,553.55
231 L43,489.91 6,625.89 L36,864.02 360,689.54
232 L43,489.91 6,011.49 L37,478.42 323,211.12
233 L43,489.91 5,386.85 L38,103.06 285,108.06
234 L43,489.91 4,751.80 L38,738.11 246,369.95
235 L43,489.91 4,106.17 L39,383.74 206,986.21
236 L43,489.91 3,449.77 L40,040.14 166,946.07
237 L43,489.91 2,782.43 L40,707.48 126,238.59
238 L43,489.91 2,103.98 L41,385.93 84,852.66
239 L43,489.91 1,414.21 L42,075.70 42,776.96
240 L43,489.91 712.95 L42,776.96 - 0.00
4. Se desea acumular la cantidad de 200,000.00 dentro de 18 años en un fondo de

inversiones que paga una tasa efectiva Trimestral del 3%, A través de depósitos trimestrales
vencidos, ¿Calcule el valor de los depósitos que deberán realizarse elabore el cuadro de
amortización para los depósitos 1,2, 40 y el ultimo deposito.
R/. Depósito= 810.81; intereses del depósito 2= 24.32; amortización del depósito 40=
2,567.85; intereses del último depósito = 5,801.63
VF= - 200,000.00
VA= 0
i= 3%
NPER= 72
PAGO= L810.81
TIPO= 0

0 0
1 L810.81 L810.81 L810.81
2 L810.81 L24.32 L835.13 L1,645.94
3 L810.81 L49.38 L860.19 L2,506.13
4 L810.81 L75.18 L885.99 L3,392.12
5 L810.81 L101.76 L912.57 L4,304.69
6 L810.81 L129.14 L939.95 L5,244.64
7 L810.81 L157.34 L968.15 L6,212.79
8 L810.81 L186.38 L997.19 L7,209.99
9 L810.81 L216.30 L1,027.11 L8,237.09
10 L810.81 L247.11 L1,057.92 L9,295.02
11 L810.81 L278.85 L1,089.66 L10,384.67
12 L810.81 L311.54 L1,122.35 L11,507.02
13 L810.81 L345.21 L1,156.02 L12,663.04
14 L810.81 L379.89 L1,190.70 L13,853.74
15 L810.81 L415.61 L1,226.42 L15,080.17
16 L810.81 L452.40 L1,263.21 L16,343.38
17 L810.81 L490.30 L1,301.11 L17,644.49
18 L810.81 L529.33 L1,340.14 L18,984.63
19 L810.81 L569.54 L1,380.35 L20,364.98
20 L810.81 L610.95 L1,421.76 L21,786.74
21 L810.81 L653.60 L1,464.41 L23,251.15
22 L810.81 L697.53 L1,508.34 L24,759.49
23 L810.81 L742.78 L1,553.59 L26,313.09
24 L810.81 L789.39 L1,600.20 L27,913.29
25 L810.81 L837.40 L1,648.21 L29,561.50
26 L810.81 L886.84 L1,697.65 L31,259.15
27 L810.81 L937.77 L1,748.58 L33,007.73
28 L810.81 L990.23 L1,801.04 L34,808.77
29 L810.81 L1,044.26 L1,855.07 L36,663.85
30 L810.81 L1,099.92 L1,910.72 L38,574.57
31 L810.81 L1,157.24 L1,968.05 L40,542.62
32 L810.81 L1,216.28 L2,027.09 L42,569.70
33 L810.81 L1,277.09 L2,087.90 L44,657.60
34 L810.81 L1,339.73 L2,150.54 L46,808.14
35 L810.81 L1,404.24 L2,215.05 L49,023.20
36 L810.81 L1,470.70 L2,281.50 L51,304.70
37 L810.81 L1,539.14 L2,349.95 L53,654.65
38 L810.81 L1,609.64 L2,420.45 L56,075.10
39 L810.81 L1,682.25 L2,493.06 L58,568.16
40 L810.81 L1,757.04 L2,567.85 L61,136.01
41 L810.81 L1,834.08 L2,644.89 L63,780.90
42 L810.81 L1,913.43 L2,724.24 L66,505.14
43 L810.81 L1,995.15 L2,805.96 L69,311.10
44 L810.81 L2,079.33 L2,890.14 L72,201.24
45 L810.81 L2,166.04 L2,976.85 L75,178.09
46 L810.81 L2,255.34 L3,066.15 L78,244.24
47 L810.81 L2,347.33 L3,158.14 L81,402.38
48 L810.81 L2,442.07 L3,252.88 L84,655.26
49 L810.81 L2,539.66 L3,350.47 L88,005.73
50 L810.81 L2,640.17 L3,450.98 L91,456.71
51 L810.81 L2,743.70 L3,554.51 L95,011.22
52 L810.81 L2,850.34 L3,661.15 L98,672.36
53 L810.81 L2,960.17 L3,770.98 L102,443.34
54 L810.81 L3,073.30 L3,884.11 L106,327.45
55 L810.81 L3,189.82 L4,000.63 L110,328.08
56 L810.81 L3,309.84 L4,120.65 L114,448.73
57 L810.81 L3,433.46 L4,244.27 L118,693.01
58 L810.81 L3,560.79 L4,371.60 L123,064.60
59 L810.81 L3,691.94 L4,502.75 L127,567.35
60 L810.81 L3,827.02 L4,637.83 L132,205.18
61 L810.81 L3,966.16 L4,776.96 L136,982.15
62 L810.81 L4,109.46 L4,920.27 L141,902.42
63 L810.81 L4,257.07 L5,067.88 L146,970.30
64 L810.81 L4,409.11 L5,219.92 L152,190.22
65 L810.81 L4,565.71 L5,376.52 L157,566.73
66 L810.81 L4,727.00 L5,537.81 L163,104.54
67 L810.81 L4,893.14 L5,703.95 L168,808.49
68 L810.81 L5,064.25 L5,875.06 L174,683.55
69 L810.81 L5,240.51 L6,051.32 L180,734.87
70 L810.81 L5,422.05 L6,232.85 L186,967.72
71 L810.81 L5,609.03 L6,419.84 L193,387.56
72 L810.81 L5,801.63 L6,612.44 L200,000.00
TOTAL L58,378.24 L141,621.76 L200,000.00 L4,920,725.26
5. Se contraer una deuda por 500,000.00 a un plazo de 10 años cargándose una tasa
efectiva bimestral del 3.75%, la cual debe cancelarse a través de pagos bimestrales
vencidos. ¿Calcule el valor de la cuota que deberá realizarse? y elabore el cuadro de
amortización para las cuotas 1,2, 30 y la última cuota
R/. Cuota= 21,063.35; intereses de la cuota 2= 18,663.25; amortización de la deuda de la
VF= 0
VA= - 500,000.00
i= 3.75%
NPER= 60
PAGO= L21,063.35
TIPO= 0

0 500,000.00
1 L21,063.35 18,750.00 L2,313.35 497,686.65
2 L21,063.35 18,663.25 L2,400.10 495,286.55
3 L21,063.35 18,573.25 L2,490.10 492,796.45
4 L21,063.35 18,479.87 L2,583.48 490,212.97
5 L21,063.35 18,382.99 L2,680.36 487,532.60
6 L21,063.35 18,282.47 L2,780.88 484,751.73
7 L21,063.35 18,178.19 L2,885.16 481,866.57
8 L21,063.35 18,070.00 L2,993.35 478,873.22
9 L21,063.35 17,957.75 L3,105.60 475,767.61
10 L21,063.35 17,841.29 L3,222.06 472,545.55
11 L21,063.35 17,720.46 L3,342.89 469,202.66
12 L21,063.35 17,595.10 L3,468.25 465,734.41
13 L21,063.35 17,465.04 L3,598.31 462,136.10
14 L21,063.35 17,330.10 L3,733.24 458,402.86
15 L21,063.35 17,190.11 L3,873.24 454,529.62
16 L21,063.35 17,044.86 L4,018.49 450,511.13
17 L21,063.35 16,894.17 L4,169.18 446,341.95
18 L21,063.35 16,737.82 L4,325.53 442,016.42
19 L21,063.35 16,575.62 L4,487.73 437,528.69
20 L21,063.35 16,407.33 L4,656.02 432,872.67
21 L21,063.35 16,232.73 L4,830.62 428,042.04
22 L21,063.35 16,051.58 L5,011.77 423,030.27
23 L21,063.35 15,863.64 L5,199.71 417,830.56
24 L21,063.35 15,668.65 L5,394.70 412,435.86
25 L21,063.35 15,466.34 L5,597.00 406,838.85
26 L21,063.35 15,256.46 L5,806.89 401,031.96
27 L21,063.35 15,038.70 L6,024.65 395,007.31
28 L21,063.35 14,812.77 L6,250.57 388,756.74
29 L21,063.35 14,578.38 L6,484.97 382,271.76
30 L21,063.35 14,335.19 L6,728.16 375,543.61
31 L21,063.35 14,082.89 L6,980.46 368,563.14
32 L21,063.35 13,821.12 L7,242.23 361,320.91
33 L21,063.35 13,549.53 L7,513.81 353,807.10
34 L21,063.35 13,267.77 L7,795.58 346,011.52
35 L21,063.35 12,975.43 L8,087.92 337,923.60
36 L21,063.35 12,672.13 L8,391.21 329,532.38
37 L21,063.35 12,357.46 L8,705.88 320,826.50
38 L21,063.35 12,030.99 L9,032.35 311,794.15
39 L21,063.35 11,692.28 L9,371.07 302,423.08
40 L21,063.35 11,340.87 L9,722.48 292,700.59
41 L21,063.35 10,976.27 L10,087.08 282,613.52
42 L21,063.35 10,598.01 L10,465.34 272,148.18
43 L21,063.35 10,205.56 L10,857.79 261,290.38
44 L21,063.35 9,798.39 L11,264.96 250,025.42
45 L21,063.35 9,375.95 L11,687.40 238,338.03
46 L21,063.35 8,937.68 L12,125.67 226,212.36
47 L21,063.35 8,482.96 L12,580.39 213,631.97
48 L21,063.35 8,011.20 L13,052.15 200,579.82
49 L21,063.35 7,521.74 L13,541.61 187,038.22
50 L21,063.35 7,013.93 L14,049.42 172,988.80
51 L21,063.35 6,487.08 L14,576.27 158,412.53
52 L21,063.35 5,940.47 L15,122.88 143,289.65
53 L21,063.35 5,373.36 L15,689.99 127,599.67
54 L21,063.35 4,784.99 L16,278.36 111,321.31
55 L21,063.35 4,174.55 L16,888.80 94,432.51
56 L21,063.35 3,541.22 L17,522.13 76,910.38
57 L21,063.35 2,884.14 L18,179.21 58,731.17
58 L21,063.35 2,202.42 L18,860.93 39,870.24
59 L21,063.35 1,495.13 L19,568.21 20,302.02
60 L21,063.35 761.33 L20,302.02 - 0.00

Ejercicios de Amortizacion PDF

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Carlos Alejandro Rodriguez Amador Ejercicios Propuestos Sección: 0801

Cta# 20171031928 de Amortización

1. Se desea disponer de 1,200,000.00 al término de 10 años a través de reservas o depósitos semestrales

No. Deposito Interes Amortización Saldo

No. Deposito Interes Amortización Saldo

No. Deposito Interes Amortización Saldo

4. Se desea acumular la cantidad de 200,000.00 dentro de 18 años en un fondo de

No. Deposito Interes Amortización Saldo

No. Deposito Interes Amortización Saldo

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