1 cuota fina

2 cuota fija y recalculo de cuota fija

3 fija para todos los periodos

P $ 100,000,000
N 24 meses
I 1.17% MV
CUOTA -$ 4,803,178

PERIODO SALDO INICIAL ABONO K ABONO INTERES CUOTA

0
1 $ 100,000,000 $ 3,633,178 $ 1,170,000 $ 4,803,178
2 $ 96,366,822 $ 3,675,686 $ 1,127,492 $ 4,803,178
3 $ 92,691,135 $ 3,718,692 $ 1,084,486 $ 4,803,178
4 $ 88,972,444 $ 3,762,201 $ 1,040,978 $ 4,803,178
5 $ 85,210,243 $ 3,806,218 $ 996,960 $ 4,803,178
6 $ 81,404,025 $ 3,850,751 $ 952,427 $ 4,803,178
7 $ 77,553,273 $ 3,895,805 $ 907,373 $ 4,803,178
8 $ 73,657,469 $ 3,941,386 $ 861,792 $ 4,803,178
9 $ 69,716,083 $ 3,987,500 $ 815,678 $ 4,803,178
10 $ 65,728,583 $ 4,034,154 $ 769,024 $ 4,803,178
11 $ 61,694,429 $ 4,081,353 $ 721,825 $ 4,803,178
12 $ 57,613,076 $ 4,129,105 $ 674,073 $ 4,803,178
13 $ 53,483,970 $ 4,177,416 $ 625,762 $ 4,803,178
14 $ 49,306,555 $ 4,226,292 $ 576,887 $ 4,803,178
15 $ 45,080,263 $ 4,275,739 $ 527,439 $ 4,803,178
16 $ 40,804,524 $ 4,325,765 $ 477,413 $ 4,803,178
17 $ 36,478,759 $ 4,376,377 $ 426,801 $ 4,803,178
18 $ 32,102,382 $ 4,427,580 $ 375,598 $ 4,803,178
19 $ 27,674,802 $ 4,479,383 $ 323,795 $ 4,803,178
20 $ 23,195,419 $ 4,531,792 $ 271,386 $ 4,803,178
21 $ 18,663,627 $ 4,584,814 $ 218,364 $ 4,803,178
22 $ 14,078,813 $ 4,638,456 $ 164,722 $ 4,803,178
23 $ 9,440,357 $ 4,692,726 $ 110,452 $ 4,803,178
24 $ 4,747,631 $ 4,747,631 $ 55,547 $ 4,803,178
25 $0 $ 4,803,178 $0 $ 4,803,178
26 -$ 4,803,178 $ 4,859,375 -$ 56,197 $ 4,803,178
27 -$ 9,662,554 $ 4,916,230 -$ 113,052 $ 4,803,178
28 -$ 14,578,784 $ 4,973,750 -$ 170,572 $ 4,803,178
29 -$ 19,552,534 $ 5,031,943 -$ 228,765 $ 4,803,178
30 -$ 24,584,476 $ 5,090,817 -$ 287,638 $ 4,803,178
31 -$ 29,675,293 $ 5,150,379 -$ 347,201 $ 4,803,178
32 -$ 34,825,672 $ 5,210,639 -$ 407,460 $ 4,803,178
33 -$ 40,036,311 $ 5,271,603 -$ 468,425 $ 4,803,178
34 -$ 45,307,914 $ 5,333,281 -$ 530,103 $ 4,803,178
35 -$ 50,641,195 $ 5,395,680 -$ 592,502 $ 4,803,178
36 -$ 56,036,875 $ 5,458,810 -$ 655,631 $ 4,803,178

$ 161,495,684 $ 11,418,731 $ 172,914,415

GRADIENTE
GEOMÉTRICO
O
EXPONENCIAL
(PORCENTAJE
%)

1. Determinar el valor que habrá en una cuenta en la cual se h

incrementando su depósito sucesivo en un 10%, si el interés es del 2

A 10,000,000.00 €
G 10%
n 24 MESES
i 11% NM
Conversión 0.9% MV

Aumento 1.1 $ -

PERIODO SALDO
1 $ 10,000,000
2 $ 10,000,000
3 $ 10,000,000
4 $ 10,000,000
5 $ 10,000,000
6 $ 10,000,000
7 $ 10,000,000
8 $ 10,000,000
9 $ 10,000,000
10 $ 10,000,000
11 $ 10,000,000
12 $ 10,000,000
13 $ 10,000,000
14 $ 10,000,000
15 $ 10,000,000
16 $ 10,000,000
17 $ 10,000,000
18 $ 10,000,000
19 $ 10,000,000
20 $ 10,000,000
21 $ 10,000,000
22 $ 10,000,000
23 $ 10,000,000
24 $ 10,000,000
 P $ 100,000,000
N 24
I 1.17%
CUOTA -$ 4,803,178

PERIODO SALDO INICIAL ABONO K

0
1 $ 120,000,000 $ 3,399,178
2 $ 116,600,822 $ 3,438,949
3 $ 113,161,873 $ 3,479,184
4 $ 109,682,689 $ 3,519,891
5 $ 106,162,798 $ 3,561,073
6 $ 102,601,725 $ 3,602,738
7 $ 98,998,987 $ 3,644,890
8 $ 95,354,097 $ 3,687,535
9 $ 91,666,561 $ 3,730,679
10 $ 87,935,882 $ 3,774,328
11 $ 84,161,554 $ 3,818,488
12 $ 80,343,066 $ 3,863,164
13 $ 76,479,901 $ 3,908,363
14 $ 72,571,538 $ 3,954,091
15 $ 68,617,447 $ 4,000,354
16 $ 64,617,093 $ 4,047,158
17 $ 60,569,934 $ 4,094,510
18 $ 56,475,424 $ 4,142,416
19 $ 52,333,009 $ 4,190,882
20 $ 48,142,127 $ 4,239,915
21 $ 43,902,211 $ 4,289,522
22 $ 39,612,689 $ 4,339,710
23 $ 35,272,979 $ 4,390,484
24 $ 30,882,495 $ 4,441,853
25 $ 26,440,642 $ 4,493,823
26 $ 21,946,819 $ 4,546,400
27 $ 17,400,419 $ 4,599,593
28 $ 12,800,826 $ 4,653,409
29 $ 8,147,417 $ 4,707,853
30 $ 3,439,564 $ 4,762,935
31 -$ 1,323,372 $ 4,818,662
32 -$ 6,142,033 $ 4,875,040
33 -$ 11,017,073 $ 4,932,078
34 -$ 15,949,151 $ 4,989,783
35 -$ 20,938,935 $ 5,048,164
36 -$ 25,987,098 $ 5,107,227

$ 151,094,326
 CADA 6 MESES
P $ 100,000,000
N 24
I 1.17%
CUOTA -$ 4,803,178.198

SALDO FINAL PERIODO SALDO INICIAL ABONO K

$ 100,000,000 0
$ 96,366,822 1 $ 100,000,000 $ 2,249,706.06
$ 92,691,135 2 $ 97,750,294 $ 2,276,027.62
$ 88,972,444 3 $ 95,474,266 $ 2,302,657.14
$ 85,210,243 4 $ 93,171,609 $ 2,329,598.23
$ 81,404,025 5 $ 90,842,011 $ 2,356,854.53
$ 77,553,273 6 $ 88,485,156 $ 3,554,429.73
$ 73,657,469 7 $ 84,930,727 $ 2,379,547.08
$ 69,716,083 8 $ 82,551,180 $ 2,407,387.78
$ 65,728,583 9 $ 80,143,792 $ 2,435,554.21
$ 61,694,429 10 $ 77,708,238 $ 2,464,050.20
$ 57,613,076 11 $ 75,244,187 $ 2,492,879.59
$ 53,483,970 12 $ 72,751,308 $ 3,063,184.65
$ 49,306,555 13 $ 69,688,123 $ 2,531,893.70
$ 45,080,263 14 $ 67,156,229 $ 2,561,516.85
$ 40,804,524 15 $ 64,594,713 $ 2,591,486.60
$ 36,478,759 16 $ 62,003,226 $ 2,621,806.99
$ 32,102,382 17 $ 59,381,419 $ 2,652,482.14
$ 27,674,802 18 $ 56,728,937 $ 3,103,516.18
$ 23,195,419 19 $ 53,625,421 $ 2,693,815.07
$ 18,663,627 20 $ 50,931,606 $ 2,725,332.71
$ 14,078,813 21 $ 48,206,273 $ 2,757,219.10
$ 9,440,357 22 $ 45,449,054 $ 2,789,478.56
$ 4,747,631 23 $ 42,659,575 $ 2,822,115.46
$0 24 $ 39,837,460 $ 3,275,134.21
-$ 4,803,178 25 $ 36,562,326 $ 2,855,734.79
-$ 9,662,554 26 $ 33,706,591 $ 2,889,146.89
-$ 14,578,784 27 $ 30,817,444 $ 2,922,949.90
-$ 19,552,534 28 $ 27,894,494 $ 2,957,148.42
-$ 24,584,476 29 $ 24,937,346 $ 2,991,747.05
-$ 29,675,293 30 $ 21,945,599 $ 3,446,750.50
 -$ 34,825,672 31 $ 18,498,848 $ 2,994,183.19
-$ 40,036,311 32 $ 15,504,665 $ 3,029,215.14
-$ 45,307,914 33 $ 12,475,450 $ 3,064,656.95
-$ 50,641,195 34 $ 9,410,793 $ 3,100,513.44
-$ 56,036,875 35 $ 6,310,279 $ 3,136,789.45
-$ 61,495,684 36 $ 3,173,490 $ 3,173,489.88
$ 100,000,000.00

cuenta en la cual se han depositado $125.000 durante 15 meses,

10%, si el interés es del 24% NM
$ 420,000 19% $ 499,800
$ 420,000 1.19% $ 4,998.000

INTERES DEPOSITO CAPITALIZACIÒN

$ - $ 10,000,000 $ 10,000,000
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -
$ - $ - $ -

$ 9,909,165.98
$ 12,335,212.43
meses
MV

ABONO INTERES CUOTA SALDO FINAL

$ 120,000,000
$ 1,404,000 $ 4,803,178 $ 116,600,822
$ 1,364,230 $ 4,803,178 $ 113,161,873
$ 1,323,994 $ 4,803,178 $ 109,682,689
$ 1,283,287 $ 4,803,178 $ 106,162,798
$ 1,242,105 $ 4,803,178 $ 102,601,725
$ 1,200,440 $ 4,803,178 $ 98,998,987
$ 1,158,288 $ 4,803,178 $ 95,354,097
$ 1,115,643 $ 4,803,178 $ 91,666,561
$ 1,072,499 $ 4,803,178 $ 87,935,882
$ 1,028,850 $ 4,803,178 $ 84,161,554
$ 984,690 $ 4,803,178 $ 80,343,066
$ 940,014 $ 4,803,178 $ 76,479,901
$ 894,815 $ 4,803,178 $ 72,571,538
$ 849,087 $ 4,803,178 $ 68,617,447
$ 802,824 $ 4,803,178 $ 64,617,093
$ 756,020 $ 4,803,178 $ 60,569,934
$ 708,668 $ 4,803,178 $ 56,475,424
$ 660,762 $ 4,803,178 $ 52,333,009
$ 612,296 $ 4,803,178 $ 48,142,127
$ 563,263 $ 4,803,178 $ 43,902,211
$ 513,656 $ 4,803,178 $ 39,612,689
$ 463,468 $ 4,803,178 $ 35,272,979
$ 412,694 $ 4,803,178 $ 30,882,495
$ 361,325 $ 4,803,178 $ 26,440,642
$ 309,356 $ 4,803,178 $ 21,946,819
$ 256,778 $ 4,803,178 $ 17,400,419
$ 203,585 $ 4,803,178 $ 12,800,826
$ 149,770 $ 4,803,178 $ 8,147,417
$ 95,325 $ 4,803,178 $ 3,439,564
$ 40,243 $ 4,803,178 -$ 1,323,372
-$ 15,483 $ 4,803,178 -$ 6,142,033
-$ 71,862 $ 4,803,178 -$ 11,017,073
 -$ 128,900 $ 4,803,178 -$ 15,949,151
-$ 186,605 $ 4,803,178 -$ 20,938,935
-$ 244,986 $ 4,803,178 -$ 25,987,098
-$ 304,049 $ 4,803,178 -$ 31,094,326

$ 21,820,090 $ 172,914,415
6 MESES
P
N
$ 420,000.00 I
CUOTA

ABONO INTERES CUOTA SALDO FINAL PERIODO

$ 100,000,000 0
$ 1,170,000.00 $ 3,419,706 $ 97,750,294 1
$ 1,143,678.44 $ 3,419,706 $ 95,474,266 2
$ 1,117,048.92 $ 3,419,706 $ 93,171,609 3
$ 1,090,107.83 $ 3,419,706 $ 90,842,011 4
$ 1,062,851.53 $ 3,419,706 $ 88,485,156 5
$ 1,035,276.33 $ 4,589,706 $ 84,930,727 6
$ 993,689.50 $ 3,373,237 $ 82,551,180 7
$ 965,848.80 $ 3,373,237 $ 80,143,792 8
$ 937,682.36 $ 3,373,237 $ 77,708,238 9
$ 909,186.38 $ 3,373,237 $ 75,244,187 10
$ 880,356.99 $ 3,373,237 $ 72,751,308 11
$ 851,190.30 $ 3,914,375 $ 69,688,123 12
$ 815,351.04 $ 3,347,245 $ 67,156,229 13
$ 785,727.88 $ 3,347,245 $ 64,594,713 14
$ 755,758.14 $ 3,347,245 $ 62,003,226 15
$ 725,437.74 $ 3,347,245 $ 59,381,419 16
$ 694,762.60 $ 3,347,245 $ 56,728,937 17
$ 663,728.56 $ 3,767,245 $ 53,625,421 18
$ 627,417.42 $ 3,321,232 $ 50,931,606 19
$ 595,899.79 $ 3,321,232 $ 48,206,273 20
$ 564,013.39 $ 3,321,232 $ 45,449,054 21
$ 531,753.93 $ 3,321,232 $ 42,659,575 22
$ 499,117.03 $ 3,321,232 $ 39,837,460 23
$ 466,098.28 $ 3,741,232 $ 36,562,326 24
$ 427,779.21 $ 3,283,514 $ 33,706,591 25
$ 394,367.11 $ 3,283,514 $ 30,817,444 26
$ 360,564.09 $ 3,283,514 $ 27,894,494 27
$ 326,365.58 $ 3,283,514 $ 24,937,346 28
$ 291,766.94 $ 3,283,514 $ 21,945,599 29
$ 256,763.50 $ 3,703,514 $ 18,498,848 30
 $ 216,436.52 $ 3,210,620 $ 15,504,665 31
$ 181,404.58 $ 3,210,620 $ 12,475,450 32
$ 145,962.76 $ 3,210,620 $ 9,410,793 33
$ 110,106.28 $ 3,210,620 $ 6,310,279 34
$ 73,830.27 $ 3,210,620 $ 3,173,490 35
$ 37,129.83 $ 3,210,620 $0 36
$ 22,704,459.88 $ 122,715,248
 CADA 6 MESES
$ 50,000,000
36
0.94% $ 420,000.00
-$ 1,643,573.705

SALDO INICIAL ABONO K ABONO INTERES CUOTA ORDINARIA

$ 50,000,000 $ 1,115,058.77 $ 470,000.00 $ 1,585,059

$ 48,884,941 $ 1,125,540.32 $ 459,518.45 $ 1,585,059
$ 47,759,401 $ 1,136,120.40 $ 448,938.37 $ 1,585,059
$ 46,623,281 $ 1,146,799.93 $ 438,258.84 $ 1,585,059
$ 45,476,481 $ 1,157,579.85 $ 427,478.92 $ 1,585,059
$ 44,318,901 $ 1,588,461.10 $ 416,597.67 $ 1,585,059
$ 42,730,440 $ 1,183,392.64 $ 401,666.13 $ 1,585,059
$ 41,547,047 $ 1,194,516.53 $ 390,542.24 $ 1,585,059
$ 40,352,530 $ 1,205,744.98 $ 379,313.79 $ 1,585,059
$ 39,146,785 $ 1,217,078.99 $ 367,979.78 $ 1,585,059
$ 37,929,706 $ 1,228,519.53 $ 356,539.24 $ 1,585,059
$ 36,701,187 $ 1,660,067.61 $ 344,991.16 $ 1,585,059
$ 35,041,119 $ 1,255,672.25 $ 329,386.52 $ 1,585,059
$ 33,785,447 $ 1,267,475.57 $ 317,583.20 $ 1,585,059
$ 32,517,972 $ 1,279,389.84 $ 305,668.93 $ 1,585,059
$ 31,238,582 $ 1,291,416.10 $ 293,642.67 $ 1,585,059
$ 29,947,166 $ 1,303,555.41 $ 281,503.36 $ 1,585,059
$ 28,643,610 $ 1,735,808.83 $ 269,249.94 $ 1,585,059
$ 26,907,801 $ 1,332,125.44 $ 252,933.33 $ 1,585,059
$ 25,575,676 $ 1,344,647.42 $ 240,411.35 $ 1,585,059
$ 24,231,028 $ 1,357,287.10 $ 227,771.67 $ 1,585,059
$ 22,873,741 $ 1,370,045.60 $ 215,013.17 $ 1,585,059
$ 21,503,696 $ 1,382,924.03 $ 202,134.74 $ 1,585,059
$ 20,120,772 $ 1,815,923.51 $ 189,135.25 $ 1,585,059
$ 18,304,848 $ 1,412,993.20 $ 172,065.57 $ 1,585,059
$ 16,891,855 $ 1,426,275.33 $ 158,783.44 $ 1,585,059
$ 15,465,580 $ 1,439,682.32 $ 145,376.45 $ 1,585,059
$ 14,025,897 $ 1,453,215.33 $ 131,843.44 $ 1,585,059
$ 12,572,682 $ 1,466,875.56 $ 118,183.21 $ 1,585,059
$ 11,105,807 $ 1,900,664.19 $ 104,394.58 $ 1,585,059
$ 9,205,142 $ 1,498,530.43 $ 86,528.34 $ 1,585,059
$ 7,706,612 $ 1,512,616.62 $ 72,442.15 $ 1,585,059
$ 6,193,995 $ 1,526,835.21 $ 58,223.56 $ 1,585,059
$ 4,667,160 $ 1,541,187.46 $ 43,871.30 $ 1,585,059
$ 3,125,973 $ 1,555,674.63 $ 29,384.14 $ 1,585,059
$ 1,570,298 $ 1,570,297.97 $ 14,760.80 $ 1,585,059
CUOTA EXTRAORDINARIA TOTAL CUOTA SALDO FINAL
$ 50,000,000
$ 1,585,058.77 $ 48,884,941
$ 1,585,058.77 $ 47,759,401
$ 1,585,058.77 $ 46,623,281
$ 1,585,058.77 $ 45,476,481
$ 1,585,058.77 $ 44,318,901
$ 420,000.00 $ 2,005,058.77 $ 42,730,440
$ 1,585,058.77 $ 41,547,047
$ 1,585,058.77 $ 40,352,530
$ 1,585,058.77 $ 39,146,785
$ 1,585,058.77 $ 37,929,706
$ 1,585,058.77 $ 36,701,187
$ 420,000.00 $ 2,005,058.77 $ 35,041,119
$ 1,585,058.77 $ 33,785,447
$ 1,585,058.77 $ 32,517,972
$ 1,585,058.77 $ 31,238,582
$ 1,585,058.77 $ 29,947,166
$ 1,585,058.77 $ 28,643,610
$ 420,000.00 $ 2,005,058.77 $ 26,907,801
$ 1,585,058.77 $ 25,575,676
$ 1,585,058.77 $ 24,231,028
$ 1,585,058.77 $ 22,873,741
$ 1,585,058.77 $ 21,503,696
$ 1,585,058.77 $ 20,120,772
$ 420,000.00 $ 2,005,058.77 $ 18,304,848
$ 1,585,058.77 $ 16,891,855
$ 1,585,058.77 $ 15,465,580
$ 1,585,058.77 $ 14,025,897
$ 1,585,058.77 $ 12,572,682
$ 1,585,058.77 $ 11,105,807
$ 420,000.00 $ 2,005,058.77 $ 9,205,142
$ 1,585,058.77 $ 7,706,612
$ 1,585,058.77 $ 6,193,995
$ 1,585,058.77 $ 4,667,160
$ 1,585,058.77 $ 3,125,973
$ 1,585,058.77 $ 1,570,298
$ 1,585,058.77 $ 0