Situación: María Mónica tiene ahorrado en su cuenta el valor de $ 3.343.

811 hasta la fecha y

solicita un crédito de libre inversión al monto máximo permitido y le ofrecen una tasa
preferencial del 11.89% Efectivo anual a un plazo de 48 meses con modalidad de pago mes
vencido y cuota fija durante todos los periodos. Adicional al pago de intereses y la
amortización del capital, se debe adicionar la cuota de $110.000 correspondiente a la cuota de
ahorro y aporte a cooperativa, además se deben contemplar los siguientes cargos adicionales
todos los meses por el crédito: ✓ Seguro deudor: $9.800 Mes ✓ Comisión: $4.700 Mes
✓ Otros Cargos: $2.100 Mes
Se pide hallar: 1. Tiempo de ahorro hasta acumular el valor de $ 3.343.811. Valor presente de
las cuotas mensuales aportadas hasta el momento “n” del punto anterior. (Resaltarlo en la tabla
de amortización del ahorro y calcular mediante formula de anualidad).
2. Calcular TIR para las cuotas (Abono Capital + Intereses), cuotas con arandelas, cuotas con
arandelas y cuota de ahorro (Tener en cuenta en el periodo 0 el valor realmente
desembolsado).
3. Cuanto sería el valor presente de lo cancelado realmente en crédito y resalte el valor
adicional a lo prestado por la cooperativa (Utilice la función VNA).

CASO SOLFINANCIERA COOPERATIVA DE AHORRO Y CREDITO

AHORRO: $ 3,343,811 hasta el dia de hoy

cuota de ahorro $ 75,100
aporte a la cooperativa $ 34,900
CUOTA FIJA: $ 110,000
rendimiento del ahorro 5% E.A
rendimiento ahorro mensual 0.4074%

E.A PMV
5% 0.4074%

COOPERATIVA DE AHORRO
periodo capital interes cuota
0 $75,100
1 $75,100 $306 $75,100
2 $150,506 $613 $75,100
3 $226,219 $922 $75,100
4 $302,241 $1,231 $75,100
5 $378,572 $1,542 $75,100
6 $455,215 $1,855 $75,100
 7 $532,169 $2,168 $75,100
8 $609,437 $2,483 $75,100
9 $687,020 $2,799 $75,100
10 $764,919 $3,116 $75,100
11 $843,136 $3,435 $75,100
12 $921,671 $3,755 $75,100
13 $1,000,526 $4,076 $75,100
14 $1,079,702 $4,399 $75,100
15 $1,159,201 $4,723 $75,100
16 $1,239,023 $5,048 $75,100
17 $1,319,171 $5,374 $75,100
18 $1,399,646 $5,702 $75,100
19 $1,480,448 $6,032 $75,100
20 $1,561,580 $6,362 $75,100
21 $1,643,042 $6,694 $75,100
22 $1,724,836 $7,027 $75,100
23 $1,806,963 $7,362 $75,100
24 $1,889,425 $7,698 $75,100
25 $1,972,222 $8,035 $75,100
26 $2,055,358 $8,374 $75,100
27 $2,138,831 $8,714 $75,100
28 $2,222,645 $9,055 $75,100
29 $2,306,800 $9,398 $75,100
30 $2,391,299 $9,742 $75,100
31 $2,476,141 $10,088 $75,100
32 $2,561,329 $10,435 $75,100
33 $2,646,864 $10,784 $75,100
34 $2,732,748 $11,134 $75,100
35 $2,818,982 $11,485 $75,100
36 $2,905,566 $11,838 $75,100
37 $2,992,504 $12,192 $75,100
38 $3,079,796 $12,547 $75,100
39 $3,167,443 $12,905 $75,100
40 $3,255,448 $13,263 $75,100
41 $3,343,811
hasta la fecha y
una tasa
de pago mes
y la
nte a la cuota de
os adicionales
ón: $4.700 Mes

alor presente de
altarlo en la tabla

elas, cuotas con

e

e el valor

l dia de hoy

COOPERATIVA CREDITO
saldo periodo capital interes
$75,100 41 0 $20,062,866
$150,506 42 1 $20,062,866 $188,714
$226,219 43 2 $19,730,241 $185,585
$302,241 44 3 $19,394,486 $182,427
$378,572 45 4 $19,055,574 $179,239
$455,215 46 5 $18,713,474 $176,021
$532,169 47 6 $18,368,156 $172,773
 $609,437 48 7 $18,019,589 $169,495
$687,020 49 8 $17,667,745 $166,185
$764,919 50 9 $17,312,590 $162,845
$843,136 51 10 $16,954,095 $159,472
$921,671 52 11 $16,592,228 $156,069
$1,000,526 53 12 $16,226,958 $152,633
$1,079,702 54 13 $15,858,251 $149,165
$1,159,201 55 14 $15,486,076 $145,664
$1,239,023 56 15 $15,110,401 $142,130
$1,319,171 57 16 $14,731,192 $138,564
$1,399,646 58 17 $14,348,416 $134,963
$1,480,448 59 18 $13,962,040 $131,329
$1,561,580 60 19 $13,572,029 $127,660
$1,643,042 61 20 $13,178,350 $123,957
$1,724,836 62 21 $12,780,968 $120,219
$1,806,963 63 22 $12,379,848 $116,447
$1,889,425 64 23 $11,974,955 $112,638
$1,972,222 65 24 $11,566,253 $108,794
$2,055,358 66 25 $11,153,707 $104,913
$2,138,831 67 26 $10,737,281 $100,996
$2,222,645 68 27 $10,316,938 $97,042
$2,306,800 69 28 $9,892,641 $93,052
$2,391,299 70 29 $9,464,353 $89,023
$2,476,141 71 30 $9,032,036 $84,957
$2,561,329 72 31 $8,595,653 $80,852
$2,646,864 73 32 $8,155,166 $76,709
$2,732,748 74 33 $7,710,535 $72,526
$2,818,982 75 34 $7,261,722 $68,305
$2,905,566 76 35 $6,808,687 $64,043
$2,992,504 77 36 $6,351,391 $59,742
$3,079,796 78 37 $5,889,793 $55,400
$3,167,443 79 38 $5,423,854 $51,017
$3,255,448 80 39 $4,953,532 $46,594
$3,343,811 81 40 $4,478,786 $42,128
82 41 $3,999,575 $37,621
83 42 $3,515,856 $33,071
84 43 $3,027,587 $28,478
85 44 $2,534,725 $23,842
86 45 $2,037,228 $19,162
87 46 $1,535,051 $14,439
88 47 $1,028,150 $9,671
89 48 $516,481 $4,858
VA
VPN
TIR
 CREDITO: $ 20,062,866
VECES DEL CREDITO: 6
TASA DE CREDITO: 11.89% E.A
TASA DE CREDITO: 1% PMV
CUOTA FIJA: $ 521,339.50
PLAZO: 48 MESES
SEGURO DEUDOR: $ 9,800
COMISIONES: $ 4,700
OTROS CARGOS: $ 2,100

E.A PMV
11.89% 0.941%

COOPERATIVA CREDITO
abono K cuota saldo CUOTA CON APORTE Y AHO
-$20,062,866 $20,062,866 -$20,062,866
$332,625 $521,339 $19,730,241 $631,339
$335,754 $521,339 $19,394,486 $631,339
$338,912 $521,339 $19,055,574 $631,339
$342,100 $521,339 $18,713,474 $631,339
$345,318 $521,339 $18,368,156 $631,339
$348,566 $521,339 $18,019,589 $631,339
$351,845 $521,339 $17,667,745 $631,339
$355,154 $521,339 $17,312,590 $631,339
$358,495 $521,339 $16,954,095 $631,339
$361,867 $521,339 $16,592,228 $631,339
$365,271 $521,339 $16,226,958 $631,339
$368,707 $521,339 $15,858,251 $631,339
$372,175 $521,339 $15,486,076 $631,339
$375,675 $521,339 $15,110,401 $631,339
$379,209 $521,339 $14,731,192 $631,339
$382,776 $521,339 $14,348,416 $631,339
$386,376 $521,339 $13,962,040 $631,339
$390,011 $521,339 $13,572,029 $631,339
$393,679 $521,339 $13,178,350 $631,339
$397,382 $521,339 $12,780,968 $631,339
$401,120 $521,339 $12,379,848 $631,339
$404,893 $521,339 $11,974,955 $631,339
$408,701 $521,339 $11,566,253 $631,339
$412,546 $521,339 $11,153,707 $631,339
$416,426 $521,339 $10,737,281 $631,339
$420,343 $521,339 $10,316,938 $631,339
$424,297 $521,339 $9,892,641 $631,339
$428,288 $521,339 $9,464,353 $631,339
$432,317 $521,339 $9,032,036 $631,339
$436,383 $521,339 $8,595,653 $631,339
$440,488 $521,339 $8,155,166 $631,339
$444,631 $521,339 $7,710,535 $631,339
$448,813 $521,339 $7,261,722 $631,339
$453,035 $521,339 $6,808,687 $631,339
$457,296 $521,339 $6,351,391 $631,339
$461,597 $521,339 $5,889,793 $631,339
$465,939 $521,339 $5,423,854 $631,339
$470,322 $521,339 $4,953,532 $631,339
$474,746 $521,339 $4,478,786 $631,339
$479,211 $521,339 $3,999,575 $631,339
$483,719 $521,339 $3,515,856 $631,339
$488,269 $521,339 $3,027,587 $631,339
$492,862 $521,339 $2,534,725 $631,339
$497,498 $521,339 $2,037,228 $631,339
$502,177 $521,339 $1,535,051 $631,339
$506,901 $521,339 $1,028,150 $631,339
$511,669 $521,339 $516,481 $631,339
$516,481 $521,339 $0 $631,339
$ 20,062,866.00 $ 24,296,029
$ - $ 4,233,163
0.9406% 1.83%
CUOTA CON ARANDELAS + AHORRO
-$20,062,866
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
 $647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$647,939
$ 24,934,852
$ 4,871,986
1.95%