A=

i=
Vp=
G=
n=

Mes Valor Tasa Valor presente

1 100000 3% 97,087.38
2 150000 3% 141,389.39
3 200000 3% 183,028.33 A=
4 250000 3% 222,121.76
5 300000 3% 258,782.64
6 350000 3% 293,119.49 A=
V. presente 1,195,528.98

A=
 100000
3.00% 6 6
? VP= 100000 *((1+ 0.030 )-1 )+ 50000 *(1+ 0.030 )-1 -
50000 0.0358 0.0300 0.0358
6
Vp= = 100000 *( 0.1940523 ) + 1,666,666.6667 *( 0.194052 ) -
0.0358 0.0358

Vp= = 100000 5.4172 + 653809.8396271

Vp= = 1,195,528.98

Vp*[(i*(1+i)^n
(1+i)^n-1

1,195,528.98 0.0358
0.1941

220,691.66
 6
1.194052297

5.02490554
 A=
i=
Vp=
4.- Hallar la cuota Uniforme G=
A= Vp*[(i*(1+i)^n n=
(1+i)^n-1

A= 5,000,000.00 0.022973713353
0.148685667649

A= 772,559.78
A
2.00% 7
5,000,000.00 VP= A *((1+ 0.020 )-1 )+ 100000 *(1+
100,000.00 0.0230 0.0200
7
5,000,000.00 = A *( 0.148686 ) + 5,000,000.0000 *(
0.0230

5,000,000.00 = A 6.4720 + 1,890,349.10

480,478.2441 = A
 7
0.020 )-1 - 7
0.0230 1.14868567

0.14868567 ) - 6.09392125
0.0230
Primer año: Salario: 4,000,000.00
Gg= 50%

Salario Segundo año: 4,400,000.00

A= 440,000.00
i= 1% Mv
VF= ?

Periodo Deposito Interes Saldo

1 1,000,000.00 0 1,000,000.00
2 500,000.00 10000 1,510,000.00
3 250,000.00 15100 1,775,100.00
4 125,000.00 17751 1,917,851.00
5 62,500.00 19178.51 1,999,529.51
6 31,250.00 19995.2951 2,050,774.81
7 15,625.00 20507.748051 2,086,907.55
8 7,812.50 20869.07553151 2,115,589.13
9 3,906.25 21155.89128683 2,140,651.27
10 1,953.13 21406.51269969 2,164,010.91
11 976.56 21640.10907669 2,186,627.58
12 488.28 21866.27579246 2,208,982.14
13 440,000.00 22089.82136288 2,671,071.96 2do salario con aumento 10
14 440,000.00 26710.71957651 3,137,782.68
15 440,000.00 31377.82677228 3,609,160.50
16 440,000.00 36091.60504 4,085,252.11
17 440,000.00 40852.5210904 4,566,104.63
18 440,000.00 45661.0463013 5,051,765.68
19 440,000.00 50517.65676432 5,542,283.33
20 440,000.00 55422.83333196 6,037,706.17
21 440,000.00 60377.06166528 6,538,083.23
22 440,000.00 65380.83228193 7,043,464.06
23 440,000.00 70434.64060475 7,553,898.70
24 440,000.00 75538.9870108 8,069,437.69
2do salario con aumento 10%
- 0

- 0
A=
i=
Vf=
G=
n=

A=
i=
Vf=
G=
n=
 300000
2.00% mensual 60
? VP= 300000 *((1+ 0.020 )-1 )+ 10000 *(1+
10,000.00 0.0200 0.0200
60
Vf = 300000 *( 2.281031 ) + 500,000.0000 *(
0.0200

Vf = 300000 114.0515 + 27025769.7091353

Vf = 61,241,231.53

300000
2.00% mensual 60
75000000 Vf = 300000 *((1+ 0.020 )-1 )+ G *(1+
? 0.0200 0.0200
60
75,000,000.00 = 300000 *( 2.281031 ) + G *(
0.0200 0.0200

75,000,000.00 = 300000 114.0515 + 2,702.5770 G

75,000,000.0000 = 34,215,461.83 + 2,702.5770 G

15,090.98 = G
 60
0.020 )-1 - 60
0.0200

2.28103079 ) - 60
0.0200

60
0.020 )-1 - 60
0.0200

2.28103079 ) - 60
0.0200
 Datos
n= 4 Trimestres
Gg= 10%
i= 3%
Periodo Cuota Intereses
1 5,000,000.00 0 5,000,000.00
2 5,500,000.00 150,000.00 10,650,000.00
3 6,050,000.00 319,500.00 17,019,500.00
4 6,655,000.00 510,585.00 24,185,085.00
 Datos
Vp= 10,000,000.00
n= 10
Ga= 100,000.00
i= 2.50%

Periodo cuota Interes 2,5% Saldo

0 - 10,000,000.00
1 712,938.16 250,000.00 9,537,061.84
2 812,938.16 238,426.55 8,962,550.23
3 912,938.16 224,063.76 8,273,675.83
4 1,012,938.16 206,841.90 7,467,579.56
5 1,112,938.16 186,689.49 6,541,330.89
6 1,212,938.16 163,533.27 5,491,926.01 Cuota N. 6
7 1,312,938.16 137,298.15 4,316,286.00 Saldo pendiente:
8 1,412,938.16 107,907.15 3,011,254.99
9 1,512,938.16 75,281.37 1,573,598.20
10 1,612,938.16 39,339.96 (0.00)

Calculo del valor futuro de dicha cuota

Vf=Vp*(1+i)^n
Vf=5491926,01*(1+0,02*6)
6,150,957.13
Periodo cuota Interes 2% simple Saldo
6 0 5,491,926.01
1 - 109,838.52 5,601,764.53
2 109,838.52 5,711,603.05
3 109,838.52 5,821,441.57
4 109,838.52 5,931,280.09
5 109,838.52 6,041,118.61
6 109,838.52 6,150,957.13
Monto de la cuota a pagar: 6,150,957.13
 A= A
i= 2.50% 10
Vp= 10,000,000.00 VP= A *((1+ 0.025 )-1 )+
G= 100,000.00 0.0320
n= 10
10,000,000.00 = A *( 0.28008454 ) +
0.0320

10,000,000.00 = A 8.7521 +

712,938.1589 = A

5,491,926.01
 10
100000 *(1+ 0.025 )-1 - 10
0.0250 0.0320 1.28008454

4,000,000.0000 *( 0.28008454 ) - 7.81198402

0.0320

3,760,319.65
Periodo cuota Grad. 5% Interes 2,5% Valor futuro
1 200,000.00 5% 200000.05
2 210,000.00 5% 5,000.00 415,000.05
3 220,500.00 5% 10,375.00 645,875.05
4 231,525.00 5% 16,146.88 893,546.93
5 243,101.25 5% 22,338.67 1,158,986.85
6 255,256.31 5% 28,974.67 1,443,217.84
7 268,019.13 5% 36,080.45 1,747,317.41
8 281,420.08 5% 43,682.94 2,072,420.43
9 295,491.09 5% 51,810.51 2,419,722.03
10 310,265.64 5% 60,493.05 2,790,480.72
11 325,778.93 5% 69,762.02 3,186,021.67
12 342,067.87 5% 79,650.54 3,607,740.08
13 359,171.27 5% 90,193.50 4,057,104.85
14 377,129.83 5% 101,427.62 4,535,662.30
15 395,986.32 5% 113,391.56 5,045,040.17
16 415,785.64 5% 126,126.00 5,586,951.81
17 436,574.92 5% 139,673.80 6,163,200.53
18 458,403.66 5% 154,080.01 6,775,684.20
19 481,323.85 5% 169,392.11 7,426,400.16
20 505,390.04 5% 185,660.00 8,117,450.20
21 530,659.54 5% 202,936.25 8,851,045.99
22 557,192.52 5% 221,276.15 9,629,514.66
23 585,052.14 5% 240,737.87 10,455,304.67
24 614,304.75 5% 261,382.62 11,330,992.04
25 645,019.99 5% 283,274.80 12,259,286.83
26 677,270.99 5% 306,482.17 13,243,039.99
27 711,134.54 5% 331,076.00 14,285,250.53
28 746,691.26 5% 357,131.26 15,389,073.06
29 784,025.83 5% 384,726.83 16,557,825.71
30 823,227.12 5% 413,945.64 17,794,998.47
31 864,388.48 5% 444,874.96 19,104,261.91
32 907,607.90 5% 477,606.55 20,489,476.35
33 952,988.29 5% 512,236.91 21,954,701.56
34 1,000,637.71 5% 548,867.54 23,504,206.80
35 1,050,669.59 5% 587,605.17 25,142,481.57
36 1,103,203.07 5% 628,562.04 26,874,246.68
37 1,158,363.23 5% 671,856.17 28,704,466.07
38 1,216,281.39 5% 717,611.65 30,638,359.12
39 1,277,095.46 5% 765,958.98 32,681,413.55
40 1,340,950.23 5% 817,035.34 34,839,399.12

Monto: 34,839,399.12

Calculo de Valor presente: 34,839,399.12

(1+0,025)^40

V. presente= 12,975,259.14

V. futuro= 34,839,399.12

Calculo de Valor presente: 34,839,399.12

(1+0,025)^39

V. presente= 13,299,640.62

-
V. presente
195,122.00
395,003.02
599,759.19
809,509.42
1,024,375.50
1,244,482.22
1,469,957.39
1,700,931.96
1,937,540.06
2,179,919.08
2,428,209.79
2,682,556.37
2,943,106.52
3,210,011.56
3,483,426.47
3,763,510.04
4,050,424.92
4,344,337.72
4,645,419.13
4,953,843.99
5,269,791.40
5,593,444.85
5,924,992.28
6,264,626.24
6,612,543.95
6,968,947.46
7,334,043.74
7,708,044.80
8,091,167.85
8,483,635.35
 8,885,675.24
9,297,520.98
9,719,411.73
10,151,592.50
10,594,314.27
11,047,834.13
11,512,415.45
11,988,328.02
12,475,848.21
12,975,259.14