TALLER GRADIENTES

Vista previa del material en texto

1 - L
	700141	3%
	NO	CUOTA	INTERES	ABONO	SALDO
	0	150,000	- 0	150,000	550141			Pregunta
	1	40,000	16,504	23,496	526,645			Determinar el valor de contado de un activo, si financiado se adquiere así: una cuota inicial de $ 150.000, dieciocho cuotas mensuales iguales de $ 40.000 cada una. La tasa de interés es del 3% mensual.
	2	40,000	15,799	24,201	502,444
	3	40,000	15,073	24,927	477,517
	4	40,000	14,326	25,674	451,843
	5	40,000	13,555	26,445	425,398
	6	40,000	12,762	27,238	398,160
	7	40,000	11,945	28,055	370,105
	8	40,000	11,103	28,897	341,208			Respuesta	700141
	9	40,000	10,236	29,764	311,444
	10	40,000	9,343	30,657	280,788
	11	40,000	8,424	31,576	249,211
	12	40,000	7,476	32,524	216,688
	13	40,000	6,501	33,499	183,188
	14	40,000	5,496	34,504	148,684
	15	40,000	4,461	35,539	113,144
	16	40,000	3,394	36,606	76,539
	17	40,000	2,296	37,704	38,835
	18	40,000	1,165	38,835	0
2 - L
	700,000	2%	(300.00)	100,000.00
	NO	CUOTA	INTERES	ABONO	SALDO			Pregunta
	0	100,000.00	- 0	100,000.00	600,000.00			Un artículo de contado vale $ 700.000, a plazos exigen de cuota inicial $ 100.000 y el
resto para ser cancelados con 9 cuotas mensuales de tal manera que cada cuota
decrezca en $ 300 respecto de la anterior. Si el interés de financiación es del 2%
mensual, encontrar el valor de la última cuota.
	1	74,669.68	12,000.00	62,669.68	537,330.32
	2	74,369.68	10,746.61	63,623.07	473,707.25
	3	74,069.68	9,474.14	64,595.53	409,111.72
	4	73,769.68	8,182.23	65,587.44	343,524.27
	5	73,469.68	6,870.49	66,599.19	276,925.08
	6	73,169.68	5,538.50	67,631.18	209,293.90
	7	72,869.68	4,185.88	68,683.80	140,610.10			Respuesta	72270
	8	72,569.68	2,812.20	69,757.48	70,852.63
	9	72,269.68	1,417.05	70,852.63	(0.00)
3 - L
	200,000	1.40%	26,415.66	5,000,000
	NO	DEPOSITO	INTERES	DEP+INT	SALDO
	0	200,000			200,000			Pregunta
	1	226,416	2,800	229,216	429,216			Dentro de un año se debe cancelar $ 5.000.000 como cuota inicial de un apartamento;
para tal fin se efectúan depósitos mensuales empezando hoy con un ahorro de
$200.000. ¿Cuál debe ser el incremento constante en las cuotas posteriores si por los
depósitos reconocen un interés del 1,4% mensual?
	2	252,831	6,009	258,840	688,056
	3	279,247	9,633	288,880	976,936
	4	305,663	13,677	319,340	1,296,275
	5	332,078	18,148	350,226	1,646,502
	6	358,494	23,051	381,545	2,028,047
	7	384,910	28,393	413,302	2,441,349
	8	411,325	34,179	445,504	2,886,853			Respuesta	26416
	9	437,741	40,416	478,157	3,365,010
	10	464,157	47,110	511,267	3,876,276
	11	490,572	54,268	544,840	4,421,117
	12	516,988	61,896	578,883	5,000,000
4 - L
	75,000,000	3%	13,500.00	8,042,291.95
	NO	CUOTA	INTERES	ABONO	SALDO
	0				75,000,000		Pregunta
	1	8042292	2,250,000	5,792,292	69,207,708		¿Con cuántos pagos mensuales, que aumenten en $ 13.500 cada mes, se cancela
una obligación de $ 75.000.000, si se cobra una tasa de interés del 3% mensual y la
primera cuota es de $ 8.042.291,95? ¿Cuál será el valor de la ultima cuota?
	2	8055792	2,076,231	5,979,561	63,228,147
	3	8069292	1,896,844	6,172,448	57,055,700
	4	8082792	1,711,671	6,371,121	50,684,579
	5	8096292	1,520,537	6,575,755	44,108,824
	6	8109792	1,323,265	6,786,527	37,322,297
	7	8123292	1,119,669	7,003,623	30,318,674
	8	8136792	909,560	7,227,232	23,091,442		Respuesta	11	meses 
	9	8150292	692,743	7,457,549	15,633,894			8177292	valor de la ultima cuota
	10	8163792	469,017	7,694,775	7,939,118
	11	8177292	238,174	7,939,118	0
5 - L
	25,000,000	4.68%	(50,000.00)	3,600,000.00	2,500,000
	NO	CUOTA	INTERES	ABONO	SALDO
	0	2,500,000			22,500,000			Pregunta
	1	3,600,000	1,054,035	2,545,965	19,954,035			¿Qué tasa de interés le reconocen por financiar una maquina que tiene un valor de
contado de $ 25.000.000, por medio de una cuota inicial del 10% y 8 cuotas
mensuales decrecientes en $ 50.000 cada mes, si el valor de la primera cuota es de
$3.600.000?
	2	3,550,000	934,766	2,615,234	17,338,801
	3	3,500,000	812,253	2,687,747	14,651,054
	4	3,450,000	686,343	2,763,657	11,887,397
	5	3,400,000	556,877	2,843,123	9,044,274
	6	3,350,000	423,688	2,926,312	6,117,962
	7	3,300,000	286,602	3,013,398	3,104,564
	8	3,250,000	145,436	3,104,564	(0)			Respuesta	4.68%
1 - G
	80,708	2.00%	2,500	2.50%
	NO	CUOTA	INTERES	ABONO	SALDO
	0				80,708			Pregunta
	1	2,500	2,018	482	80,225			Un artículo se compraría a crédito mediante cuotas mensuales variables así; $ 2.500
es el valor de la primera cuota y de allí en adelante aumentarían en un 2% cada mes,
hasta el tercer año que se termina la deuda ¿Cuál es el valor del articulo si la tasa de
financiación es del 2,5% mensual?
	2	2,550	2,006	544	79,681
	3	2,601	1,992	609	79,072
	4	2,653	1,977	676	78,396
	5	2,706	1,960	746	77,649
	6	2,760	1,941	819	76,831
	7	2,815	1,921	895	75,936
	8	2,872	1,898	973	74,963			Respuesta	80708
	9	2,929	1,874	1,055	73,907
	10	2,988	1,848	1,140	72,767
	11	3,047	1,819	1,228	71,539
	12	3,108	1,788	1,320	70,219
	13	3,171	1,755	1,415	68,804
	14	3,234	1,720	1,514	67,290
	15	3,299	1,682	1,616	65,674
	16	3,365	1,642	1,723	63,951
	17	3,432	1,599	1,833	62,118
	18	3,501	1,553	1,948	60,170
	19	3,571	1,504	2,066	58,104
	20	3,642	1,453	2,189	55,914
	21	3,715	1,398	2,317	53,597
	22	3,789	1,340	2,449	51,148
	23	3,865	1,279	2,586	48,562
	24	3,942	1,214	2,728	45,834
	25	4,021	1,146	2,875	42,958
	26	4,102	1,074	3,028	39,931
	27	4,184	998	3,185	36,745
	28	4,267	919	3,349	33,397
	29	4,353	835	3,518	29,879
	30	4,440	747	3,693	26,187
	31	4,528	655	3,874	22,313
	32	4,619	558	4,061	18,252
	33	4,711	456	4,255	13,997
	34	4,806	350	4,456	9,541
	35	4,902	239	4,663	4,878
	36	5,000	122	4,878	(0)
2 - G
	5,000,000	-2.00%	130,078.9	2.75%	3%
	NO	CUOTA	INTERES	ABONO	SALDO
	0				5,000,000			Pregunta
	1	130,079	137,500	(7,421)	5,007,421			Financiar una deuda de $ 5.000.000 de hoy a cuatro años con cuotas que aumenten
en el 3% cada mes durante los dos primeros años y luego disminuyan en el 2% cada
mes, suponiendo una tasa de interés para el préstamo del 2,75% mensual. Halle el
valor del primer pago.
	2	133,981	137,704	(3,723)	5,011,144
	3	138,001	137,806	194	5,010,950
	4	142,141	137,801	4,340	5,006,610
	5	146,405	137,682	8,723	4,997,887
	6	150,797	137,442	13,355	4,984,532
	7	155,321	137,075	18,246	4,966,286
	8	159,981	136,573	23,408	4,942,878			Respuesta	130079
	9	164,780	135,929	28,851	4,914,027
	10	169,723	135,136	34,588	4,879,439
	11	174,815	134,185	40,631	4,838,809
	12	180,060	133,067	46,992	4,791,817
	13	185,461	131,775	53,686	4,738,130
	14	191,025	130,299	60,727	4,677,404
	15	196,756	128,629	68,127	4,609,276
	16	202,659	126,755	75,904	4,533,373
	17	208,738	124,668	84,071	4,449,302
	18	215,001	122,356	92,645	4,356,657
	19	221,451	119,808	101,642	4,255,015
	20	228,094	117,013	111,081	4,143,934
	21	234,937	113,958	120,979	4,022,955
	22	241,985	110,631	131,354	3,891,601
	23	249,245	107,019	142,225	3,749,376
	24	256,722	103,108	153,614	3,595,762
	25	251,587	98,883	152,704	3,443,058
	26	246,556	94,684	151,872	3,291,186
	27	241,625	90,508	151,117	3,140,069
	28	236,792	86,352	150,440	2,989,629
	29	232,056	82,215	149,841	2,839,788
	30	227,415	78,094	149,321	2,690,467
	31	222,867	73,988	148,879	2,541,588
	32	218,409	69,894	148,516	2,393,072
	33	214,041	65,809	148,232	2,244,840
	34	209,760	61,733	148,027	2,096,813
	35	205,565	57,662	147,903	1,948,910
	36	201,454	53,595	147,859	1,801,051
	37	197,425	49,529	147,896	1,653,155
	38	193,476	45,462	148,015	1,505,141
	39	189,607	41,391	148,215	1,356,925
	40	185,815	37,315	148,499	1,208,426
	41	182,098	33,232	148,867	1,059,559
	42	178,456	29,138	149,319	910,241
	43	174,887	25,032	149,856	760,385
	44	171,390	20,911	150,479	609,906
	45	167,962	16,772	151,189	458,717
	46	164,603	12,615	151,988	306,729
	47	161,310	8,435	152,875	153,853
	48	158,084	4,231	153,853	0
3 - G
	3,000,000	3.41%	10,000.0	34.00%	2.83%
	NO	CUOTA	INTERES	ABONO	SALDO
	0				3,000,000			Pregunta
	1	10,000	85,000	(75,000)	3,075,000			Una entidad financiera presta a un cliente $ 3.000.000, con un interés del 34% NMV.
El deudor tiene un plazo de 15 años para amortizar la deuda, mediante pagos
mensuales. Suponiendo que la primera cuota es de $ 10.000 y vence al final delprimer mes, ¿Cuál debe ser el porcentaje de reajuste mensual de la cuota, para
cancelar la deuda?
	2	10,341	87,125	(76,784)	3,151,784
	3	10,693	89,301	(78,608)	3,230,392
	4	11,057	91,528	(80,471)	3,310,863
	5	11,434	93,808	(82,374)	3,393,237
	6	11,823	96,142	(84,318)	3,477,555
	7	12,226	98,531	(86,305)	3,563,860
	8	12,643	100,976	(88,334)	3,652,193			Respuesta	3.4%
	9	13,073	103,479	(90,406)	3,742,599
	10	13,518	106,040	(92,522)	3,835,121
	11	13,979	108,662	(94,683)	3,929,804
	12	14,455	111,344	(96,889)	4,026,693
	13	14,948	114,090	(99,142)	4,125,835
	14	15,457	116,899	(101,442)	4,227,277
	15	15,983	119,773	(103,790)	4,331,066
	16	16,528	122,714	(106,186)	4,437,252
	17	17,091	125,722	(108,631)	4,545,883
	18	17,673	128,800	(111,127)	4,657,011
	19	18,275	131,949	(113,674)	4,770,684
	20	18,897	135,169	(116,272)	4,886,956
	21	19,541	138,464	(118,923)	5,005,879
	22	20,207	141,833	(121,626)	5,127,505
	23	20,895	145,279	(124,384)	5,251,889
	24	21,607	148,804	(127,197)	5,379,086
	25	22,343	152,407	(130,064)	5,509,150
	26	23,104	156,093	(132,988)	5,642,139
	27	23,891	159,861	(135,969)	5,778,108
	28	24,705	163,713	(139,008)	5,917,116
	29	25,547	167,652	(142,105)	6,059,221
	30	26,417	171,678	(145,261)	6,204,482
	31	27,317	175,794	(148,477)	6,352,959
	32	28,247	180,001	(151,753)	6,504,713
	33	29,209	184,300	(155,091)	6,659,804
	34	30,204	188,694	(158,490)	6,818,294
	35	31,233	193,185	(161,952)	6,980,245
	36	32,297	197,774	(165,476)	7,145,722
	37	33,397	202,462	(169,065)	7,314,786
	38	34,535	207,252	(172,717)	7,487,504
	39	35,711	212,146	(176,434)	7,663,938
	40	36,928	217,145	(180,217)	7,844,155
	41	38,186	222,251	(184,065)	8,028,220
	42	39,487	227,466	(187,980)	8,216,200
	43	40,832	232,792	(191,961)	8,408,160
	44	42,223	238,231	(196,009)	8,604,169
	45	43,661	243,785	(200,124)	8,804,293
	46	45,148	249,455	(204,307)	9,008,599
	47	46,686	255,244	(208,557)	9,217,157
	48	48,277	261,153	(212,876)	9,430,033
	49	49,921	267,184	(217,263)	9,647,296
	50	51,622	273,340	(221,719)	9,869,015
	51	53,380	279,622	(226,242)	10,095,257
	52	55,198	286,032	(230,834)	10,326,091
	53	57,079	292,573	(235,494)	10,561,585
	54	59,023	299,245	(240,222)	10,801,807
	55	61,034	306,051	(245,018)	11,046,824
	56	63,113	312,993	(249,881)	11,296,705
	57	65,263	320,073	(254,811)	11,551,516
	58	67,486	327,293	(259,807)	11,811,323
	59	69,785	334,654	(264,870)	12,076,193
	60	72,162	342,159	(269,997)	12,346,190
	61	74,620	349,809	(275,189)	12,621,379
	62	77,162	357,606	(280,444)	12,901,823
	63	79,790	365,552	(285,761)	13,187,584
	64	82,508	373,648	(291,140)	13,478,724
	65	85,319	381,897	(296,578)	13,775,302
	66	88,225	390,300	(302,075)	14,077,377
	67	91,230	398,859	(307,629)	14,385,006
	68	94,338	407,575	(313,237)	14,698,243
	69	97,552	416,450	(318,898)	15,017,141
	70	100,875	425,486	(324,611)	15,341,752
	71	104,311	434,683	(330,372)	15,672,124
	72	107,864	444,044	(336,179)	16,008,304
	73	111,539	453,569	(342,030)	16,350,334
	74	115,338	463,259	(347,921)	16,698,255
	75	119,267	473,117	(353,850)	17,052,105
	76	123,330	483,143	(359,813)	17,411,918
	77	127,531	493,338	(365,807)	17,777,725
	78	131,875	503,702	(371,827)	18,149,552
	79	136,367	514,237	(377,870)	18,527,422
	80	141,013	524,944	(383,931)	18,911,353
	81	145,816	535,822	(390,005)	19,301,358
	82	150,783	546,872	(396,088)	19,697,446
	83	155,920	558,094	(402,175)	20,099,621
	84	161,231	569,489	(408,258)	20,507,879
	85	166,723	581,057	(414,333)	20,922,213
	86	172,403	592,796	(420,393)	21,342,606
	87	178,275	604,707	(426,432)	21,769,038
	88	184,348	616,789	(432,441)	22,201,479
	89	190,628	629,042	(438,414)	22,639,893
	90	197,122	641,464	(444,342)	23,084,235
	91	203,836	654,053	(450,217)	23,534,452
	92	210,780	666,809	(456,030)	23,990,482
	93	217,960	679,730	(461,770)	24,452,252
	94	225,385	692,814	(467,429)	24,919,681
	95	233,062	706,058	(472,995)	25,392,676
	96	241,001	719,459	(478,458)	25,871,134
	97	249,211	733,015	(483,805)	26,354,939
	98	257,700	746,723	(489,023)	26,843,962
	99	266,479	760,579	(494,100)	27,338,062
	100	275,556	774,578	(499,022)	27,837,085
	101	284,943	788,717	(503,775)	28,340,860
	102	294,649	802,991	(508,342)	28,849,202
	103	304,686	817,394	(512,708)	29,361,910
	104	315,065	831,921	(516,856)	29,878,765
	105	325,797	846,565	(520,768)	30,399,533
	106	336,896	861,320	(524,425)	30,923,958
	107	348,372	876,179	(527,807)	31,451,765
	108	360,239	891,133	(530,895)	31,982,659
	109	372,510	906,175	(533,665)	32,516,325
	110	385,199	921,296	(536,097)	33,052,421
	111	398,321	936,485	(538,164)	33,590,585
	112	411,889	951,733	(539,844)	34,130,429
	113	425,920	967,029	(541,109)	34,671,538
	114	440,429	982,360	(541,931)	35,213,469
	115	455,432	997,715	(542,283)	35,755,752
	116	470,946	1,013,080	(542,134)	36,297,886
	117	486,988	1,028,440	(541,452)	36,839,338
	118	503,577	1,043,781	(540,204)	37,379,542
	119	520,731	1,059,087	(538,356)	37,917,897
	120	538,470	1,074,340	(535,871)	38,453,768
	121	556,812	1,089,523	(532,711)	38,986,479
	122	575,780	1,104,617	(528,837)	39,515,316
	123	595,393	1,119,601	(524,207)	40,039,523
	124	615,675	1,134,453	(518,778)	40,558,302
	125	636,648	1,149,152	(512,504)	41,070,806
	126	658,335	1,163,673	(505,338)	41,576,144
	127	680,760	1,177,991	(497,230)	42,073,374
	128	703,950	1,192,079	(488,129)	42,561,503
	129	727,930	1,205,909	(477,980)	43,039,483
	130	752,726	1,219,452	(466,726)	43,506,208
	131	778,367	1,232,676	(454,309)	43,960,517
	132	804,882	1,245,548	(440,666)	44,401,183
	133	832,300	1,258,034	(425,734)	44,826,917
	134	860,651	1,270,096	(409,444)	45,236,361
	135	889,969	1,281,697	(391,728)	45,628,089
	136	920,285	1,292,796	(372,511)	46,000,600
	137	951,634	1,303,350	(351,716)	46,352,316
	138	984,051	1,313,316	(329,265)	46,681,580
	139	1,017,572	1,322,645	(305,073)	46,986,653
	140	1,052,235	1,331,289	(279,053)	47,265,706
	141	1,088,079	1,339,195	(251,116)	47,516,823
	142	1,125,144	1,346,310	(221,166)	47,737,989
	143	1,163,471	1,352,576	(189,106)	47,927,095
	144	1,203,104	1,357,934	(154,831)	48,081,925
	145	1,244,087	1,362,321	(118,235)	48,200,160
	146	1,286,466	1,365,671	(79,205)	48,279,365
	147	1,330,288	1,367,915	(37,627)	48,316,992
	148	1,375,604	1,368,981	6,622	48,310,370
	149	1,422,463	1,368,794	53,669	48,256,701
	150	1,470,918	1,367,273	103,645	48,153,056
	151	1,521,024	1,364,337	156,687	47,996,369
	152	1,572,837	1,359,897	212,940	47,783,429
	153	1,626,414	1,353,864	272,551	47,510,878
	154	1,681,817	1,346,142	335,676	47,175,203
	155	1,739,107	1,336,631	402,477	46,772,726
	156	1,798,349	1,325,227	473,122	46,299,604
	157	1,859,609	1,311,822	547,786	45,751,818
	158	1,922,955	1,296,302	626,653	45,125,165
	159	1,988,459	1,278,546	709,913	44,415,252
	160	2,056,195	1,258,432	797,763	43,617,489
	161	2,126,238	1,235,829	890,409	42,727,080
	162	2,198,667	1,210,601	988,066	41,739,014
	163	2,273,563	1,182,605	1,090,957	40,648,057
	164	2,351,010	1,151,695	1,199,315	39,448,742
	165	2,431,096	1,117,714	1,313,382	38,135,360
	166	2,513,910	1,080,502	1,433,408	36,701,952
	167	2,599,545	1,039,889	1,559,656	35,142,296
	168	2,688,096	995,698	1,692,398	33,449,898
	169	2,779,665	947,747	1,831,918	31,617,980
	170	2,874,352	895,843	1,978,509	29,639,471
	171	2,972,265	839,785	2,132,480	27,506,991
	172	3,073,514	779,365	2,294,149	25,212,842
	173	3,178,211	714,364	2,463,847	22,748,995
	174	3,286,475	644,555	2,641,920	20,107,075
	175	3,398,426	569,700	2,828,726	17,278,349
	176	3,514,192	489,553	3,024,638	14,253,711
	177	3,633,900	403,855	3,230,045	11,023,666
	178	3,757,687	312,337	3,445,350	7,578,316
	179	3,885,690	214,719	3,670,971	3,907,345
	180	4,018,054	110,708	3,907,345	0
4 - G
	3,000,000	3.00%	4%	17,213,648
	NO	DEPOSITO	INTERES	DEP+INT	SALDO			Pregunta
	1	3,000,000			3,000,000			Se necesita reponer una máquina dentro de 5 meses y se estima que su precio en
dicho momento será $ 17.213.648,4. Con tal fin se desea crear un fondo en una
corporación que pagará un interés del 3% mensual. Hallar el valor del depósito que se
debe efectuar dentro de un mes si los depósitos se incrementan en un 4% mensual,
con respecto al depósito anterior.
	2	3,120,000	90,000	3,210,000	6,210,000
	33,244,800	186,300	3,431,100	9,641,100
	4	3,374,592	289,233	3,663,825	13,304,925
	5	3,509,576	399,148	3,908,723	17,213,648
								Respuesta	3000000
5 - G
	14,848,644	4.00%	3,000,000	3.00%
	NO	DEPOSITO	INTERES	DEP+INT	SALDO		Pregunta
	0	14,848,644			14,848,644		Si se deposita hoy $ 14.848.644,2 en una corporación que reconoce el 3% mensual
durante cuantos meses podré hacer retiros de fin de mes de tal manera que cada
retiro sea el 4% mayor que el retiro anterior, si se sabe que el valor del primero retiro
es de $ 3.000.000.
	1	(3,000,000)	445,459	(2,554,541)	12,294,104
	2	(3,120,000)	368,823	(2,751,177)	9,542,927
	3	(3,244,800)	286,288	(2,958,512)	6,584,414
	4	(3,374,592)	197,532	(3,177,060)	3,407,355
	5	(3,509,576)	102,221	(3,407,355)	(0)
							Respuesta	5