PRACTICO N°4

AMORTIZACIONES

MATERIA:

MATEMATICAS FINANCIERAS

DOCENTE:

LIC. YANDIRA ROCA FIGUEROA

ESTUDIANTE

RIANY ROCA JORDAN

 1.       La Empresa Muebles Inti A. adquiere una línea de crédito del BMSC por valor de 200.000 $us
con una tasa del 12% anual con capitalización mensual. Elaborar el cuadro de amortización con

FORMULA DESARROLLO RESPUESTA

𝐶𝑈𝑂𝑇𝐴=[(200.000∗0.12/12)/(1−(1+0.12/12)^(−18) )]
𝐶𝑈𝑂𝑇𝐴=12.19
6,41

A)      El Sistema Francés si la línea de crédito será pagada en 18 cuotas mensuales.

SISTEMA FRANCES
PERIODO SALDO CAPITAL CUOTA AMORTIZACION INTERES SALDO CAPITAL
0 0 0 0 0 $200,000
1 $200,000 12,196 10,196 2,000 $189,804
2 $189,804 12,196 10,298 1,898 $179,505
3 $179,505 12,196 10,401 1,795 $169,104
4 $169,104 12,196 10,505 1,691 $158,598
5 $158,598 12,196 10,610 1,586 $147,988
6 $147,988 12,196 10,717 1,480 $137,272
7 $137,272 12,196 10,824 1,373 $126,448
8 $126,448 12,196 10,932 1,264 $115,516
9 $115,516 12,196 11,041 1,155 $104,475
10 $104,475 12,196 11,152 1,045 $93,323
11 $93,323 12,196 11,263 933 $82,060
12 $82,060 12,196 11,376 821 $70,684
13 $70,684 12,196 11,490 707 $59,194
14 $59,194 12,196 11,604 592 $47,590
15 $47,590 12,196 11,721 476 $35,869
16 $35,869 12,196 11,838 359 $24,032
17 $24,032 12,196 11,956 240 $12,076
18 12076 12,196 12075.65 120.76 $0
219,535 200,000 19,535
B)   El Sistema Aleman si la línea de crédito será pagada en 18 cuotas mensuales. C)      El Sistema Ameri
SISTEMA ALEMAN
PERIODO SALDO CAPITAL AMORTIZACION INTERES CUOTA PERIODO
0 0 - $0 0
1 $200,000 11,111 2,000 $13,111.11 1
2 $188,889 11,111 1,889 $13,000.00 2
3 $177,778 11,111 1,778 $12,888.89 3
4 $166,667 11,111 1,667 $12,777.78 4
5 $155,556 11,111 1,556 $12,666.67 5
6 $144,444 11,111 1,444 $12,555.55 6
7 $133,333 11,111 1,333 $12,444.44 7
8 $122,222 11,111 1,222 $12,333.33 8
9 $111,111 11,111 1,111 $12,222.22 9
10 $100,000 11,111 1,000 $12,111.11 10
11 $88,889 11,111 889 $12,000.00 11
12 $77,778 11,111 778 $11,888.89 12
13 $66,667 11,111 667 $11,777.78 13
14 $55,556 11,111 556 $11,666.67 14
15 $44,444 11,111 444 $11,555.55 15
16 $33,333 11,111 333 $11,444.44 16
17 $22,222 11,111 222 $11,333.33 17
18 $11,111 11,111 111.11 $11,222.22 18
TOTAL 200,000 19,000 $219,000 T
)      El Sistema Americano si la línea de crédito será pagada en 18 cuotas mensuales.
SISTEMA AMERICANO
SALDO CAPITAL CUOTA AMORTIZACION INTERES SALDO CAPITAL
0 0 0 0 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 2,000 0 2,000 $200,000
$200,000 202,000 200,000 2,000 $200,000
TOTAL 236,000 200,000 36,000
2. La Empresa Sofia A. adquiere un crédito del Banco Bisa por valor de 100.000 $us con una tasa
del 10% anual con capitalización mensual. Elaborar el cuadro de amortización con

FORMULA DESARROLLO
RESPUESTA
𝐶𝑈𝑂𝑇𝐴=[(100.000∗0.10/12)/(1−(1+0.10/12)^(−12) )]
𝐶𝑈𝑂𝑇𝐴="8791
.59"

A)      El Sistema Francés si la línea de crédito será pagada en 12 cuotas mensuales.

SISTEMA FRANCES
PERIODO SALDO CAPITAL CUOTA AMORTIZACION INTERES SALDO CAPITAL
0 0 0 0 0 $100,000
1 $100,000 8,792 7,958 833.33 $92,042
2 $92,042 8,792 8,025 767.01 $84,017
3 $84,017 8,792 8,091 700.14 $75,926
4 $75,926 8,792 8,159 632.71 $67,767
5 $67,767 8,792 8,227 564.72 $59,540
6 $59,540 8,792 8,295 496.17 $51,245
7 $51,245 8,792 8,365 427.04 $42,880
8 $42,880 8,792 8,434 357.33 $34,446
9 $34,446 8,792 8,505 287.05 $25,941
10 $25,941 8,792 8,575 216.18 $17,366
11 $17,366 8,792 8,647 144.71 $8,719
12 $8,719 8,792 8,719 72.66 $0
TOTAL 105,499 100,000.02 $5,499
B) El Sistema Aleman si la línea de crédito será pagada en 12 cuotas mensuales. C)  El Sistema Americano
SISTEMA ALEMAN
PERIODO SALDO CAPITAL AMORTIZACION INTERES CUOTA PERIODO
0 0 - $0 0
1 $100,000 8,333 1,000 $9,333.33 1
2 $91,667 8,333 917 $9,250.00 2
3 $83,333 8,333 833 $9,166.66 3
4 $75,000 8,333 750 $9,083.33 4
5 $66,667 8,333 667 $9,000.00 5
6 $58,333 8,333 583 $8,916.66 6
7 $50,000 8,333 500 $8,833.33 7
8 $41,667 8,333 417 $8,750.00 8
9 $33,333 8,333 333 $8,666.66 9
10 $25,000 8,333 250 $8,583.33 10
11 $16,667 8,333 167 $8,500.00 11
12 $8,333 8,333 83 $8,416.66 12
TOTAL 100,000 6,500.00 $106,500 T
)  El Sistema Americano si la línea de crédito será pagada en 12 cuotas mensuales.
SISTEMA AMERICANO
SALDO CAPITAL CUOTA AMORTIZACION INTERES SALDO CAPITAL
0 0 0 0 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 8,300 0 8,300 $100,000
$100,000 108,300 100,000 8,300 $100,000
TOTAL 199,600 100,000 99,600
3. La Empresa Farmacorp adquiere una línea de crédito del Banco Ganadero por valor de
500.000 $us con una tasa del 12% anual con capitalización mensual. Elaborar el cuadro de
amortización con

FORMULA DESARROLLO RESPUESTA

𝐶𝑈𝑂𝑇𝐴=[(500.000∗0.12/12)/(1−(1+0.12/12)^(−24) )]
𝐶𝑈𝑂𝑇𝐴=235
36.73

A)El Sistema Francés si la línea de crédito será pagada en 24 cuotas mensuales

SISTEMA FRANCES
PERIODO SALDO CAPITAL CUOTA AMORTIZACION INTERES SALDO CAPITAL
0 0 0 0 0 $500,000
1 $500,000 23,537 18,537 5,000 $481,463
2 $481,463 23,537 18,722 4,815 $462,741
3 $462,741 23,537 18,909 4,627 $443,832
4 $443,832 23,537 19,098 4,438 $424,733
5 $424,733 23,537 19,289 4,247 $405,444
6 $405,444 23,537 19,482 4,054 $385,962
7 $385,962 23,537 19,677 3,860 $366,285
8 $366,285 23,537 19,874 3,663 $346,411
9 $346,411 23,537 20,073 3,464 $326,338
10 $326,338 23,537 20,273 3,263 $306,065
11 $306,065 23,537 20,476 3,061 $285,589
12 $285,589 23,537 20,681 2,856 $264,908
13 $264,908 23,537 20,888 2,649 $244,020
14 $244,020 23,537 21,097 2,440 $222,924
15 $222,924 23,537 21,307 2,229 $201,616
16 $201,616 23,537 21,521 2,016 $180,096
17 $180,096 23,537 21,736 1,801 $158,360
18 $158,360 23,537 21,953 1,584 $136,407
19 $136,407 23,537 22,173 1,364 $114,234
20 $114,234 23,537 22,394 1,142 $91,840
21 $91,840 23,537 22,618 918 $69,221
22 $69,221 23,537 22,845 692 $46,377
23 $46,377 23,537 23,073 464 $23,304
24 $23,304 23,537 23,304 233 $0
TOTAL 564,882 500,000 64,882
B)El Sistema Aleman si la línea de crédito será pagada en 24 cuotas mensuales. C) El Sistema Americano si la línea
SISTEMA ALEMAN
PERIODO SALDO CAPITAL AMORTIZACION INTERES CUOTA PERIODO
0 - 0 - $0 0
1 $500,000 20,833 $5,000 25833.33 1
2 $479,167 20,833 $4,792 $25,625.00 2
3 $458,333 20,833 $4,583 $25,416.66 3
4 $437,500 20,833 $4,375 $25,208.33 4
5 $416,667 20,833 $4,167 $25,000.00 5
6 $395,833 20,833 $3,958 $24,791.66 6
7 $375,000 20,833 $3,750 $24,583.33 7
8 $354,167 20,833 $3,542 $24,375.00 8
9 $333,333 20,833 $3,333 $24,166.66 9
10 $312,500 20,833 $3,125 $23,958.33 10
11 $291,667 20,833 $2,917 $23,750.00 11
12 $270,833 20,833 $2,708 $23,541.66 12
13 $250,000 20,833 $2,500 $23,333.33 13
14 $229,167 20,833 $2,292 $23,125.00 14
15 $208,333 20,833 $2,083 $22,916.66 15
16 $187,500 20,833 $1,875 $22,708.33 16
17 $166,667 20,833 $1,667 $22,500.00 17
18 $145,833 20,833 $1,458 $22,291.66 18
19 $125,000 20,833 $1,250 $22,083.33 19
20 $104,167 20,833 $1,042 $21,875.00 20
21 $83,333 20,833 $833 $21,666.66 21
22 $62,500 20,833 $625 $21,458.33 22
23 $41,667 20,833 $417 $21,250.00 23
24 $20,833 20,833 $208 $21,041.66 24
TOTAL 500,000 62,500.01 $562,500 TOTAL
) El Sistema Americano si la línea de crédito será pagada en 24 cuotas mensuales.
SISTEMA AMERICANO
SALDO CAPITAL CUOTA AMORTIZACION INTERES SALDO CAPITAL
0 0 0 0 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 5,000 0 5,000 $500,000
$500,000 505,000 500,000 5,000 $500,000
TOTAL 620,000.00 500,000.00 120,000.00