GRADIENTE ARITMÉTICO

1. 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. Rta/ 𝑷 = 𝟕𝟎𝟎. 𝟏𝟒𝟎, 𝟓𝟐
P=
150,000 550,141 40,000 3% 700,140.52 i=
NO CUOTA INTERES ABONO SALDO A=
0 150,000 550,141 C1=
1 40,000 16,504 23,496 526,645 n=
2 40,000 15,799 24,201 502,444 G=
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
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. 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 P=
decrezca en $ 300 respecto de la anterior. Si el interés de financiación es del 2% i=
mensual, encontrar el valor de la última cuota. Rta/ 𝑨 = 𝟕𝟒. 𝟔𝟔𝟗, 𝟔𝟕 Primera cuota A=
C1=
700,000 100,000 300 74,669.68 2% n=
NO CUOTA INTERES ABONO SALDO G=
0 100,000 600,000
1 74,670 12,000 62,670 537,330
2 74,370 10,747 63,623 473,707
3 74,070 9,474 64,596 409,112
4 73,770 8,182 65,587 343,524
5 73,470 6,870 66,599 276,925
6 73,170 5,539 67,631 209,294
7 72,870 4,186 68,684 140,610
8 72,570 2,812 69,757 70,853
9 72,270 1,417 70,853 -
3. 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? Rta/ 𝑮 = 𝟐𝟔. 𝟒𝟏𝟓, 𝟔𝟓 F=
i=
5,000,000 200,000 26,415.66 1.40% A=
NO CUOTA INTERES ABONO SALDO n=
0 200,000 200,000 G=
1 226,416 2,800 229,216 429,216
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
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. P=
¿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 $ i=
8.042.291,95? ¿Cuál será el valor de la última cuota? Rta/ n=11 A=
n=
75,000,000 8,042,291.95 13,500 3% G=
NO CUOTA INTERES ABONO SALDO
0 75,000,000
1 8,042,292 2,250,000 5,792,292 69,207,708
2 8,055,792 2,076,231 5,979,561 63,228,147
3 8,069,292 1,896,844 6,172,448 57,055,700
4 8,082,792 1,711,671 6,371,121 50,684,579
5 8,096,292 1,520,537 6,575,755 44,108,824
6 8,109,792 1,323,265 6,786,527 37,322,297
7 8,123,292 1,119,669 7,003,623 30,318,674
8 8,136,792 909,560 7,227,232 23,091,442
9 8,150,292 692,743 7,457,549 15,633,894
10 8,163,792 469,017 7,694,775 7,939,118
11 8,177,292 238,174 7,939,118 0
12 8,190,792 0 8,190,792 - 8,190,792
P=
5. ¿Qué tasa de interés le reconocen por financiar una maquina que tiene un valor de i=
contado de $ 25.000.000, por medio de una cuota inicial del 10% y 8 cuotas C=
mensuales decrecientes en $ 50.000 cada mes, si el valor de la primera cuota es de A=
$3.600.000? Rta/ 𝒊 = 𝟒, 𝟔𝟗% 𝑬𝑴 n=
 G=
25,000,000 2,500,000 3,600,000 50,000 4.68%
NO CUOTA INTERES ABONO SALDO
0 2,500,000 22,500,000
1 3,600,000 1,054,035 2,545,965 19,954,035 i
2 3,550,000 934,766 2,615,234 17,338,801 I=
3 3,500,000 812,253 2,687,747 14,651,054 i
4 3,450,000 686,343 2,763,657 11,887,397 I=
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
?
3%
40,000
150,000
18

P=150.000+40.000((1-((1+3%)^-18))/3%)
P=150.000+40.000((1-((1,03)^-18))/3%)
P=150.000+40.000((1-(0,5873))/3%)
P=150.000+40.000((0,4126)/3%)
P=150.000+(40.000*13,7535)
P=150.000+550.140,523
P=700.140,523

700,000
2%
?
100,000
9
300

700.000=100.000+A((1-((1+0,02)^-9))/0,02)-(300/0,02)(((1-(1+0,02)^-9))/0,02)-(9/(1+0,02)^9))
700.000=100.000+A((1-((1,02)^-9))/0,02)-(15000)(((1-(1,02)^-9))/0,02)-(9/(1,02)^9))
700.000=100.000+A((1-((0,8367))/0,02)-(15000)(((1-(0,8367))/0,02)-(9/1,20))
700.000=100.000+A((0,1632)/0,02)-(15000)((0,1632)/0,02)-(7,53))
700.000=100.000+A(8,1622)-(15000)((8,1622)-(7,53))
700.000=100.000+A(8,1622)-(15000)(0,63)
700.000=100.000+A(8,1622)-9.471,59
A(8,1622)=9.471,59+700.000-100.000
A=609.472/(8,1622) C9=74.669,67-((9-1)^300)
A=74.669,67 C9=74.669,67-(2.400)
 C9=72.279,68

5,000,000
1.4%
200,000
13
?

5.000.000=200.000((((1+0,014)^13)-1)/0,014)+(G/0,014)((((1+0,014)^13)-1)/0,014)-13
5.000.000=200.000(((1,014)^13)-1)/0,014)+(G/0,014)((((1,014)^13)-1)/0,014)-(13)
5.000.000=200.000(((1,1981)-1)/0,014)+(G/0,014)((1,1981-1)/0,014)-13
5.000.000=200.000(0,1536)/0,014)+(G/0,014)((0,1536/0,014)-13)
5.000.000=200.000(14,15)+(G/0,014)(14,15)-(13)
5.000.000=2.830.013,67+(G/0,014)(1,15)
5.000.000-2.830.013,67=(G/0,014)(1,15)
G/0,014=2.169.986,333/1,15
G=1.886.832,514*0,014
G=26.415,65
10 11

75,000,000
3.0%
8,042,291.95
?
13,500

N=10
75.000.000=8.042.291,95((1-((1+0,03)^-10))/0,03)+(13.500/0,03)(((1-((1+0,03)^-10))/0,03)-(10/(1+0,03)^10))
75.000.000=8.042.291,95((1-((1,03)^-10))/0,03)+(450.000)(((1-((1,03)^-10))/0,03)-(10/(1,03)^10))
75.000.000=8.042.291,95((1-0,744)/0,03)+(450.000)(((1-0,744)/0,03)-(10/1,3439)
75.000.000=8.042.291,95(0,2559/0,03)+(450.000)((0,2559/0,03)-7,44
75.000.000=8.042.291,95(8,5302)+(450.000)(8,5302-7,44)
75.000.000=68.602.381,61+(450.000)(1,0892)
75.000.000=68.602.381,61+490.168,66
75.000.000=69.092.550,27

25,000,000
?
2,500,000
3,600,000
8
 50,000

25.000.000=2.500.000+3.600.000((1-((1+i)^-8)/i))-(50.000/i)((1-((1+i)^-8)/i))-(8/((1-i)^8))

4% = 25,000,000 25,628,852.506 - 628,852.506

- 0
5% = 25,000,000 24,719,068.071 280,931.929
i=4%
25.000.000=2.500.000+3.600.000((1-((1+0,04)^-8)/0,04))-(50.000/0,04)((1-((1+0,04)^-8)/0,04))-(8/((1-0,04)^8))
25.000.000=2.500.000+3.600.000((1-((1,04)^-8)/0,04))-(1.250.000)((1-((1,04)^-8)/0,04))-(8/((1,04)^8))
25.000.000=2.500.000+3.600.000((1-(0,7306)/0,04))-(1.250.000)((1-(0,7306)/0,04))-(8/(1,3685))
25.000.000=2.500.000+3.600.000((0,2693)/0,04))-(1.250.000)((0,2693)/0,04))-(5,8455)
25.000.000=2.500.000+3.600.000(6,7327)-(1.250.000)((6,7327)-(5,8455))
25.000.000=2.500.000+24.237.881,55-(1.250.000)(0,8872)
25.000.000=2.500.000+24.237.881,55-1.109.029,04
25.000.000=25.628.853,506

(I-0,04)/(0,05-0,04)=(((0-(-628.852,506))/(280.931,929-(-628.852,506)))
I=(((628.852,506)/(909.784,435))*0,01)+0,04
I=(0,691*0,01)+0,04
I=0,006912+0,04
I=0,046912
 1.03
0.587394607616
0.412605392384
13.75351307946

550140.5231783
700,140.52

1.02
0.836755265873
0.163244734127
8.162236706367

15000 1.20
7.53

9,471.59 0.63

609,472
74669.67837716

8
 2400.00
72,269.68

1.014
1.198100956723 1.198100956723
0.198100956723 166930.84074237
14.15006833736
1.1500683373555
2,830,013.67
2,169,986.333
1,886,832.514
26415.655199466

1.03 1.03
0.744093914897 450,000.00 1.3439163793441 0.722421276599 450,000.00
0.255906085103 490,168.660 7.4409391489673 0.277578723401 587,695.532
8.530202836776 1.0892636878086 9.252624113375
68,602,381.61 74,412,304.42
69,092,550.27 74,999,999.96

N=10
03)-(10/(1+0,03)^10)) 75.000.000=8.042.291,95((1-((1+0,03)^-11))/0,03)+(13.500/0,03)(((1-((1+0,03)^-11))/0,03)
75.000.000=8.042.291,95((1-((1,03)^-11))/0,03)+(450.000)(((1-((1,03)^-11))/0,03)-(11/(1,03
75.000.000=8.042.291,95((1-0,7224)/0,03)+(450.000)(((1-0,7224)/0,03)-(10/1,3842)
75.000.000=8.042.291,95(0,2775/0,03)+(450.000)((0,2775/0,03)-7,946
75.000.000=8.042.291,95(9,2526)+(450.000)(9,2526-7,946)
75.000.000=74.412.304,42+(450.000)(1,3059)
75.000.000=74.412.304,42+587.695,532
75.000.000=74.999.999,96
 1.04 1,250,000.00 1.36856905 1.05
0.730690205002 1,109,029.04 5.84552164 0.676839362029
0.269309794998 0.88722323 0.323160637971
6.73274487495 6.463212759426
24,237,881.55 23,267,565.93

23,128,852.51
25,628,852.506
i=5%
)/0,04))-(8/((1-0,04)^8)) 25.000.000=2.500.000+3.600.000((1-((1+0,05)^-8)/0,05))-(50.000/0,05)((1-((1+0,05)^-8)/0,
-(8/((1,04)^8)) 25.000.000=2.500.000+3.600.000((1-((1,05)^-8)/0,05))-(1.000.000)((1-((1,05)^-8)/0,05))-(8
25.000.000=2.500.000+3.600.000((1-(0,6768)/0,05))-(1.000.000)((1-(0,6768)/0,05))-(8/(1,4
25.000.000=2.500.000+3.600.000((0,3231/0,05))-(1.000.000)((0,3231/0,05))-5,4147)
628,852.506 25.000.000=2.500.000+3.600.000(6,4632)-(1.000.000)(6,4632-5,4147)
909,784.435 25.000.000=2.500.000+23.267.565,93-(1.000.000)(1,0484)
0.691 25.000.000=2.500.000+23.267.565,93-1.048.497,86
0.006912104469 25.000.000=24.719.068,071
0.046912104469
 1.3842338707245
7.9466340425864
1.3059900707882

500/0,03)(((1-((1+0,03)^-11))/0,03)-(11/(1+0,03)^11))
00)(((1-((1,03)^-11))/0,03)-(11/(1,03)^11))
(1-0,7224)/0,03)-(10/1,3842)
775/0,03)-7,946
 1,000,000.00 1.47745544
1,048,497.86 5.4147149
1.04849786

22,219,068.07
24,719,068.071

))-(50.000/0,05)((1-((1+0,05)^-8)/0,05))-(8/((1-0,05)^8))
(1.000.000)((1-((1,05)^-8)/0,05))-(8/((1,05)^8))
000.000)((1-(0,6768)/0,05))-(8/(1,4774))
0.000)((0,3231/0,05))-5,4147)
6,4632-5,4147)
 GRADIENTE GEOMETRICO
1. 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? Rta/ 𝑷 = 𝟖𝟎. 𝟕𝟎𝟕, 𝟓𝟓 P= ?
K= 2,500
2,500 80,707.56 2.0% 2.5% i= 2.5%
NO CUOTA INTERES ABONO SALDO n= 36
0 80,708 j= 2%
1 2,500 2,018 482 80,225
2 2,550 2,006 544 79,681
3 2,601 1,992 609 79,072
4 2,653 1,977 676 78,396 P=2.500((1-(((1+0,02)/(1+0,02
5 2,706 1,960 746 77,649 P=2.500((1-((1,02/1,025)^36)
6 2,760 1,941 819 76,831 P=2.500((1-(0,9951^36))/(0,0
7 2,815 1,921 895 75,936 P=2.500((1-(0,8385))/(0,005)
8 2,872 1,898 973 74,963 P=2.500(0,1614/0,005)
9 2,929 1,874 1,055 73,907 P=2.500(32,28)
10 2,988 1,848 1,140 72,767 P=80.707,56
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. Durante 12 meses podre hacer retiros de fin de mes de tal manera que cada retiro sea
el 2,5% menor que el retiro anterior. Si se sabe que el valor del depósito inicial fue de
$17.200.000 y la entidad financiera reconoce el 3% mensual. ¿Cuál es el valor del
primer retiro? Rta/ 𝒌 = 𝟏. 𝟗𝟔𝟏. 𝟎𝟗𝟖, 𝟎𝟖 P= 17,200,000
K= ?
17,200,000 3% 2.5% 1,961,098.1 i= 3.0%
NO CUOTA INTERES ABONO SALDO n= 12
0 17,200,000 j= 2.5%
1 1,961,098 516,000 1,445,098 15,754,902
2 1,912,071 472,647 1,439,424 14,315,478 17.200.000=K((1-(((1-0,025)/
3 1,864,269 429,464 1,434,805 12,880,674 17.200.000=K((1-(((0,975)/(1
4 1,817,662 386,420 1,431,242 11,449,432 17.200.000=K((1-((0,9466)^1
5 1,772,221 343,483 1,428,738 10,020,694 17.200.000=K((1-(0,5176))/(0
6 1,727,915 300,621 1,427,294 8,593,400 17.200.000=K(0,4823/0,055)
7 1,684,717 257,802 1,426,915 7,166,485 17.200.000=K(8,77)
8 1,642,599 214,995 1,427,605 5,738,880 K=17.200.000/8,77
9 1,601,534 172,166 1,429,368 4,309,512 K=1.961.098,08
10 1,561,496 129,285 1,432,211 2,877,302
11 1,522,459 86,319 1,436,139 1,441,162
12 1,484,397 43,235 1,441,162 -

3. 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 del
primer mes, ¿Cuál debe ser el porcentaje de reajuste mensual de la cuota, para
cancelar la deuda? Rta/ 𝒋 = 𝟑, 𝟐𝟔%𝑬𝑴 P= 3,000,000
K= 10,000
3,000,000 10,000 34% 2.8333% 3.41% i= 34%
NO CUOTA INTERES ABONO SALDO n= 180
0 3,000,000 j= 4.0%
1 10,000 85,000 - 75,000 3,075,000
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 3.000.000=10.000((1-(((1+J)/
5 11,434 93,808 - 82,374 3,393,237
6 11,823 96,142 - 84,318 3,477,555 J
7 12,226 98,531 - 86,305 3,563,860 J= 3%
8 12,643 100,976 - 88,334 3,652,193 J -
9 13,073 103,479 - 90,406 3,742,599 J0 4%
10 13,518 106,040 - 92,522 3,835,121
11 13,979 108,662 - 94,683 3,929,804 3.000.000=10.000((1-(((1+J)/
12 14,455 111,344 - 96,889 4,026,693
13 14,948 114,090 - 99,142 4,125,835 i=3%
14 15,457 116,899 - 101,442 4,227,277 3.000.000=10.000((1-(((1+0,0
15 15,983 119,773 - 103,790 4,331,066 3.000.000=10.000((1-(((1,03)
16 16,528 122,714 - 106,186 4,437,252 3.000.000=10.000((1-(1,0016
17 17,091 125,722 - 108,631 4,545,883 3.000.000=10.000((1-1,3384)
18 17,673 128,800 - 111,127 4,657,011 3.000.000=10.000((-0,3384)/
19 18,275 131,949 - 113,674 4,770,684 3.000.000=10.000(203,059)
20 18,897 135,169 - 116,272 4,886,956 3.000.000=2.030.586,056
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 (I-0,03)/(0,04-0,03)=(((0-969.
24 21,607 148,804 - 127,197 5,379,086 I=(((-969.413,944)/(-3.642.82
25 22,343 152,407 - 130,064 5,509,150 I=(0,266*0,01)+0,03
26 23,104 156,093 - 132,988 5,642,139 I=0,00266+0,03
27 23,891 159,861 - 135,969 5,778,108 I=0,03266
28 24,705 163,713 - 139,008 5,917,116 I=3,266%
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. 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. Rta/ 𝒌 = 𝟐. 𝟗𝟗𝟗. 𝟗𝟗𝟗, 𝟗𝟗 P= 17,213,648.40
K= ?
17,213,648.4 4% 3.00% 2,999,999.99 i= 3.0%
NO CUOTA INTERES ABONO SALDO n= 5
0 - j= 4.0%
1 3,000,000 - 3,000,000 3,000,000
2 3,120,000 90,000 3,210,000 6,210,000 17.213.648,4=K((((1+0,03)^5)
3 3,244,800 186,300 3,431,100 9,641,100 17.213.648,4=K(((1,03)^5)-((1
4 3,374,592 289,233 3,663,825 13,304,925 17.213.648,4=K((1,1592-1,21
 5 3,509,576 399,148 3,908,723 17,213,648 17.213.648,4=K((-0,0574)/(-0
17.213.648,4=K(5,7379)
5. Si se deposita hoy $ 14.848.644,2 en una corporación que reconoce el 3% mensual K=17.213.648,4/(5,7379)
durante cuantos meses podré hacer retiros de fin de mes de tal manera que cada K=2.999.999,99
retiro sea el 4% mayor que el retiro anterior, si se sabe que el valor del primero retiro
es de $ 3.000.000. Rta/ 𝒏 = 𝟒, 𝟗𝟗 𝒄𝒖𝒐𝒕𝒂𝒔 P= 14,848,644.20
K= 3,000,000
14,848,644.2 4% 3.00% 3,000,000.00 i= 3.0%
NO CUOTA INTERES ABONO SALDO n= ?
0 14,848,644 j= 4.0%
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 14.848.644,2=3.000.000((1-((
4 3,374,592 197,532 3,177,060 3,407,355 14.848.644/23.000.000=(1-((
5 3,509,576 102,221 3,407,355 - 0 (4,95)*(-0,01)=(1-((1,0097)^n
(-0,0495)=1-(1,0097^n)
(0,0495)+1=(1,0097^n)
1,0495=(1,0097^n)
1,0495=(1,0097^n)
ln(1,0495)=n*ln(1,0097)
0,0483=n*0,010
0,0483/0,010=n
n=4,99
 1.02
1.025
0.9951
0.838584883243
0.161415116757
32.28
80,707.56

00((1-(((1+0,02)/(1+0,025))^36))/(0,025-0,02))
00((1-((1,02/1,025)^36))/(0,005))
00((1-(0,9951^36))/(0,005))
00((1-(0,8385))/(0,005))
00(0,1614/0,005)
 0.975
1.030
0.9466
0.5176171913785
0.4823828086215
8.7706
0.000=K((1-(((1-0,025)/(1+0,03))^12))/(0,03+0,025)) 1,961,098.08
0.000=K((1-(((0,975)/(1,03))^12))/(0,055))
0.000=K((1-((0,9466)^12))/(0,055))
0.000=K((1-(0,5176))/(0,055))
0.000=K(0,4823/0,055)
0.000=K(8,77)
200.000/8,77

1.04
1.028
i=34%/12 2.8% 1.0113
7.618976198558
-6.618976198558
567.341
5,673,408.17

.000=10.000((1-(((1+J)/(1+0,0283))^180))/(0,025-J))

= 3,000,000 2,030,586.056 969,413.94

0
= 3,000,000 5,673,408.17 - 2,673,408.17

.000=10.000((1-(((1+J)/(1+0,0283))^180))/(0,025-J))

i=4%
.000=10.000((1-(((1+0,03)/(1+0,0283))^180))/(0,025-0,03)) 3.000.000=10.000((1-(((1+0,04)/(1+0,0283))^18
.000=10.000((1-(((1,03)/(1,028))^180))/(-0,0016)) 3.000.000=10.000((1-((1,04/1,0283)^180))/(0,0
.000=10.000((1-(1,0016^180))/(-0,0016)) 3.000.000=10.000((1-(1,0113^180))/(0,0116))
.000=10.000((1-1,3384)/(-0,0016)) - 969,413.944 3.000.000=10.000((1-7,6189)/(0,0116))
.000=10.000((-0,3384)/(-0,0016)) - 3,642,822.114 3.000.000=10.000((-6,6189)/(0,0116))
.000=10.000(203,059) 0.266 3.000.000=10.000(567,341)
.000=2.030.586,056 0.002661161905 3.000.000=5673408,17
3.266%

3)/(0,04-0,03)=(((0-969.413,94))/(-2.673.408,17-969.413,94))
69.413,944)/(-3.642.822,114))*0,01)+0,03
66*0,01)+0,03
 1.040
1.030
1.2167
1.1592740743
- 0.0574
5.7379
3.648,4=K((((1+0,03)^5)-((1+0,04)^5))/(0,03-0,04)) 2,999,999.99
3.648,4=K(((1,03)^5)-((1,04)^5))/(-0,010))
3.648,4=K((1,1592-1,2167)/(-0,010))
3.648,4=K((-0,0574)/(-0,010))
3.648,4=K(5,7379)
213.648,4/(5,7379)

1.04
1.030
1.0097

0.010
4.999999952
8.644,2=3.000.000((1-(((1+0,04)/(1+0,03))^n))/(0,03-0,04))
8.644/23.000.000=(1-(((1,04)/(1,03))^n))/(-0,01)
*(-0,01)=(1-((1,0097)^n))
95)=1-(1,0097^n)
95)+1=(1,0097^n)
5=(1,0097^n)
5=(1,0097^n)
495)=n*ln(1,0097)
0.005
 0.055

- 0.011667

000=10.000((1-(((1+0,04)/(1+0,0283))^180))/(0,025-0,04))
000=10.000((1-((1,04/1,0283)^180))/(0,0116))
000=10.000((1-(1,0113^180))/(0,0116))
000=10.000((1-7,6189)/(0,0116))
000=10.000((-6,6189)/(0,0116))
000=10.000(567,341)
000=5673408,17
- 0.010
 4.95
- 0.0100
- 0.0495
1.0495

0.048309554092
 ¿Cuántos pagos que aumenten en un 5% cada mes, serán necesarios para
cancelar una deuda de $3.000.000, si el primer pago es de $473.767,55 y se
cobra una tas de interés del 2% mensual?

3,000,000.0 5% 2.00% 473,767.55

NO CUOTA INTERES ABONO SALDO
0 3,000,000
1 473,768 60,000 413,768 2,586,232
2 497,456 51,725 445,731 2,140,501
3 522,329 42,810 479,519 1,660,982
4 548,445 33,220 515,226 1,145,757
5 575,867 22,915 552,952 592,805
6 604,661 11,856 592,805 - 0

Una vivienda se esta cancelando con 18 cuotas mensuales que decrecen en $10.000 cada
mes, siendo la primera cuota de $2.500.000. Si la tasa de financiación que se esta cobrando
es del 3% mensual. ¿Cuál es el valor de contado de la vivienda?

2,500,000 33,323,645.98 3.0% 10,000

NO CUOTA INTERES ABONO SALDO
0 33,323,646
1 2,500,000 999,709 1,500,291 31,823,355
2 2,490,000 954,701 1,535,299 30,288,056
3 2,480,000 908,642 1,571,358 28,716,698
4 2,470,000 861,501 1,608,499 27,108,199
5 2,460,000 813,246 1,646,754 25,461,445
6 2,450,000 763,843 1,686,157 23,775,288
7 2,440,000 713,259 1,726,741 22,048,547
8 2,430,000 661,456 1,768,544 20,280,003
9 2,420,000 608,400 1,811,600 18,468,403
 10 2,410,000 554,052 1,855,948 16,612,455
11 2,400,000 498,374 1,901,626 14,710,829
12 2,390,000 441,325 1,948,675 12,762,154
13 2,380,000 382,865 1,997,135 10,765,018
14 2,370,000 322,951 2,047,049 8,717,969
15 2,360,000 261,539 2,098,461 6,619,508
16 2,350,000 198,585 2,151,415 4,468,093
17 2,340,000 134,043 2,205,957 2,262,136
18 2,330,000 67,864 2,262,136 -

Después de la liquidación de una empresa queda una deuda de $50.000.000 que se va a

financiar con 12 cuotas mensuales, que aumentan en $20.000 cada mes. Si la tasa de interés
es del 2,5% mensual. ¿Cuál es el valor de la cuota 12?

4,770,233 50,000,000.00 2.5% 20,000

NO CUOTA INTERES ABONO SALDO
0 50,000,000
1 4,770,233 1,250,000 3,520,233 46,479,767
2 4,790,233 1,161,994 3,628,239 42,851,529
3 4,810,233 1,071,288 3,738,945 39,112,584
4 4,830,233 977,815 3,852,418 35,260,166
5 4,850,233 881,504 3,968,729 31,291,437
6 4,870,233 782,286 4,087,947 27,203,490
7 4,890,233 680,087 4,210,146 22,993,345
8 4,910,233 574,834 4,335,399 18,657,946
9 4,930,233 466,449 4,463,784 14,194,162
10 4,950,233 354,854 4,595,379 9,598,783
11 4,970,233 239,970 4,730,263 4,868,520
12 4,990,232.77 121,713 4,868,520 -
 Una propiedad por valor de $22.000.000 se financia a una tasa de interés del
2,5% mensual, por medio de una cuota inicial y 12 cuotas mensuales crecientes
cada mes en un 1%. Si la primera cuota es de $2.000.000 ¿Cuál es el valor de la
cuota inicial?

2,000,000.0
22,000,000 1% 2.5% 1,835,363.80
NO CUOTA INTERES ABONO SALDO
0 2,000,000 20,000,000
1 1,835,364 500,000 1,500,000 18,500,000
2 1,853,717 462,500 1,391,217 17,108,783
3 1,872,255 427,720 1,444,535 15,664,248
4 1,890,977 391,606 1,499,371 14,164,877
5 1,909,887 354,122 1,555,765 12,609,112
6 1,928,986 315,228 1,613,758 10,995,354
7 1,948,276 274,884 1,673,392 9,321,962
8 1,967,758 233,049 1,734,709 7,587,252
9 1,987,436 189,681 1,797,755 5,789,498
10 2,007,310 144,737 1,862,573 3,926,925
11 2,027,383 98,173 1,929,210 1,997,714
12 2,047,657 49,943 1,997,714 -

- 13,283 2,000,000.00
22,000,000.0 1% 2.50% 1,328,296.32
NO CUOTA INTERES ABONO SALDO
0 2,000,000 2,000,000
cen en $10.000 cada 1 1,328,296 50,000 1,378,296 3,378,296
que se esta cobrando
vienda? 2 1,341,579 84,457 1,426,037 4,804,333
3 1,354,995 120,108 1,475,103 6,279,436
4 1,368,545 156,986 1,525,531 7,804,967
5 1,382,230 195,124 1,577,355 9,382,322
6 1,396,053 234,558 1,630,611 11,012,933
7 1,410,013 275,323 1,685,337 12,698,269
8 1,424,113 317,457 1,741,570 14,439,840
9 1,438,355 360,996 1,799,351 16,239,190
10 1,452,738 405,980 1,858,718 18,097,908
11 1,467,266 452,448 1,919,713 20,017,621
12 1,481,938 500,441 1,982,379 22,000,000
000.000 que se va a
s. Si la tasa de interés
12?

240000
4,790,232.77
5,030,232.77