Interes Simple y Compuesto

. plicando la tasa de interés anual simple del 11,5% de un crédito de $ 2.500.000.000 a 12 meses &ue le presta la entidad , cual es el 'alor de los intereses &ue de(e pa)ar la compa*+a N-/ .. al término de los 12 meses

INTERES SIMPLE

$2,500,000,000 capital

Valor actual

11.5% anual 0.96% Mensual

Tasa de interés Tasa de interés

12 Nº meses

Plazo (en meses) Total intereses Capital fnal

MESES ! " # $ % & '   !* !! !"

$287,500,000.00

Interés total producido

$2,787,500,000.00

Total Total capital  intereses

CAPITAL INICIAL $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 Total interés

$ $ $ $ $ $ $ $ $ $ $ $ +

INTE-ES .ENE-A/0 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! 2!,95",!!! "',%**,***

CAPITAL INAL $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000

. plicando la tasa de interés anual simple del 12,#% de un crédito de $ 2.500.000.000 a 23 meses &ue le presta la entidad 4, cual es el 'alor de los intereses &ue de(e pa)ar la compa*+a N-/ .. al término de los 23 meses INTERES SIMPLE Valor actual Tasa de interés

$2,500,000,000 capital 12.#% anual

0.5!% Mensual

Tasa de interés

24 Nº meses meses


MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$

$317,500,000.00


$2,817,500,000.00

Total capital + intereses

CAPITAL INICIAL $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 Total interés

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ +

INTE-ES .ENE-A/0 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# 1!,229,16# #!',%**,***

CAPITAL INAL $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000

. plicando la tasa de interés anual simple del 12,9% de un crédito de $ 2.500.000.000 a !6 meses &ue le presta la entidad , cual es el 'alor de los intereses &ue de(e pa)ar la compa*+a N-/ .. al término de los !6 meses

INTERES SIMPLE Valor actual Tasa de interés

$2,500,000,000 capital 12.9% anual

0.!6% Mensual

Tasa de interés Plazo (en meses) Total intereses Capital fnal

MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$ "% "& "' " " #* #! #" ## #$ #% #&

36 Nº meses

$322,500,000.00


$2,822,500,000.00


CAPITAL INICIAL $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES .ENE-A/0 ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!! ",95",!!!

CAPITAL INAL $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000

Total interés

+

#"",%**,***

. plicando la tasa de interés anual simple del 1!,2% de un crédito de $ 2.500.000.000 a 3" meses &ue le presta la entidad , cual es el 'alor de los intereses &ue de(e pa)ar la compa*+a N-/ .. al término de los 3" meses INTERES SIMPLE

$2,500,000,000 capital 1!.2% anual 0.2"% Mensual

Valor actual Tasa de interés Tasa de interés

48


MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$

Nº meses

$330,000,000.00


$2,830,000,000.00


CAPITAL INICIAL $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES .ENE-A/0 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000

CAPITAL INAL $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000

"% "& "' " " #* #! #" ## #$ #% #& #' # # $* $! $" $# $$ $% $& $' $

$2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 Total interés

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ +

6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 6,"#5,000 ##*,***,***

$ $ $ $ $ $ $ $ $ $ $

2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000

I. plicando la tasa de interés anual simple del 13,!% de un crédito de $ 2.500.000.000 a 60 meses &ue le presta la entidad , cual es el 'alor de los intereses &ue de(e pa)ar la compa*+a N-/ .. al término de los 60 meses

INTERES SIMPLE

$2,500,000,000 capital

Valor actual Tasa de interés

13.!% anual

Tasa de interés

0.23% Mensual 60


Nº meses

$357,500,000.00


$2,857,500,000.00


MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$ "% "& "' " " #* #! #" ## #$ #% #& #' # # $* $! $"

CAPITAL INICIAL $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES .ENE-A/0 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!!

CAPITAL INAL $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $ 2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000

$# $$ $% $& $' $ $ %* %! %" %# %$ %% %& %' % % &*

$2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 Total interés

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ +

5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! 5,95",!!! #%',%**,***

$2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000 $2,500,000,000

4. plicando la tasa de interés e7 2.500.000.000 a 12 meses &ue le pres &ue de(e pa)ar la compa*+a N

INTERES COMPUES

$2,500,000,000

Valor actual

11.5% 0.911%

Tasa de interés Tasa de interés

12

Plazo (en meses) Total intereses

$ $ $ $ $ $ $ $ $ $ $ $

INTE-ES AC1M1LA/0 2!,95",!!! 3#,916,66# #1,"#5,000 95,"!!,!!! 119,#91,66# 13!,#50,000 16#,#0",!!! 191,666,66# 215,625,000 2!9,5"!,!!! 26!,531,66# 2"#,500,000

$273,360,000.00

Capital fnal

$2,773,360,000.00

MESES ! " # $ % & '   !* !! !"

CAPITAL INICIAL $ 2,500,000,000 $ 2,522,#"0,000 $ 2,535,#6#,5#1 $ 2,56",963,605 $ 2,592,!#!,011 $ 2,615,993,#13 $ 2,6!9,"!1,65" $ 2,66!,""5,"03 $ 2,6"",159,1!1 $ 2,#12,65!,6!# $ 2,#!#,!#1,!!# $ 2,#62,!13,265 Total interés

. plicando la tasa de i un crédito de $ 2.500.00 entidad 4, cual es el 'alo la compa*+a N-/  INTERES COMPUES Valor actual Tasa de interés

$2,500,000,000 12.#%

Tasa de interés

1.0013%

24

Plazo (en meses) Total intereses

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES AC1M1LA/0 1!,229,16# 26,35",!!! !9,6"#,500 52,916,66# 66,135,"!! #9,!#5,000 92,603,16# 105,"!!,!!! 119,062,500 1!2,291,66# 135,520,"!! 15",#50,000 1#1,9#9,16# 1"5,20",!!! 19",3!#,500 211,666,66# 223,"95,"!! 2!",125,000 251,!53,16# 263,5"!,!!! 2##,"12,500 291,031,66# !03,2#0,"!! !1#,500,000

$600,780,000.00

Capital fnal

$3,100,780,000.00

MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$

CAPITAL INICIAL $2,500,000,000 $ 2,525,0!2,500 $ 2,550,!15,650 $ 2,5#5,"51,961 $ 2,601,63!,96# $ 2,62#,693,22" $ 2,653,005,!!0 $ 2,6"0,5#9,""5 $ 2,#0#,320,5!2 $ 2,#!3,529,9!3 $ 2,#61,910,#"2 $ 2,#"9,565,#93 $ 2,"1#,39#,#1# $ 2,"35,#09,!21 $ 2,"#3,20!,309 $ 2,902,9"2,"0" $ 2,9!2,050,!#3 $ 2,961,30",995 $ 2,991,061,5"! $ !,021,011,0"! $ !,051,260,36# $ !,0"1,"12,#!" $ !,112,6#0,929 $ !,13!,"!",10! Total interés

8. plicando la tasa de in un crédito de $ 2.500.00 entidad , cual es el 'alo la compa*+a N-/ 

INTERES COMPUES Valor actual Tasa de interés

$2,500,000,000 12.9%

1.0%

Tasa de interés Plazo (en meses) Total intereses Capital fnal

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES AC1M1LA/0 ",95",!!! 1#,916,66# 26,"#5,000 !5,"!!,!!! 33,#91,66# 5!,#50,000 62,#0",!!! #1,666,66# "0,625,000 "9,5"!,!!! 9",531,66# 10#,500,000 116,35",!!! 125,316,66# 1!3,!#5,000 13!,!!!,!!! 152,291,66# 161,250,000 1#0,20",!!! 1#9,166,66# 1"",125,000 19#,0"!,!!! 206,031,66# 215,000,000 22!,95",!!! 2!2,916,66# 231,"#5,000 250,"!!,!!! 259,#91,66# 26",#50,000 2##,#0",!!! 2"6,666,66# 295,625,000 !03,5"!,!!! !1!,531,66# !22,500,000

MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$ "% "& "' " " #* #! #" ## #$ #% #&

36

$914,580,000.00 $3,414,580,000.00

CAPITAL INICIAL $2,500,000,000 $ 2,525,305,000 $ 2,551,06",166 $ 2,5#6,992,120 $ 2,60!,1#9,513 $ 2,629,6!!,023 $ 2,656,!55,!55 $ 2,6"!,!39,2!" $ 2,#10,61#,3!! $ 2,#!",162,#2" $ 2,#65,9"#,9!# $ 2,#93,095,90# $ 2,"22,3"9,509 $ 2,"51,1#1,63" $ 2,""0,135,253 $ 2,909,31!,290 $ 2,9!",9#",#3" $ 2,96","33,650 $ 2,999,013,039 $ !,029,390,0!0 $ !,060,2#5,#0" $ !,091,!#3,2!0 $ !,122,#"",##3 $ !,153,522,553 $ !,1"6,5#","12 $ !,21",960,"26 $ !,251,6#1,906 $ !,2"3,#15,!96 $ !,!1",093,6#3 $ !,!51,"1!,152 $ !,!"5,"#3,2## $ !,320,2"1,5!1 $ !,355,0!",3!2 $ !,390,13",5!! $ !,525,615,322 $ !,561,332,#26

Total interés

. plicando la tasa de interés e 2.500.000.000 a 3" meses &ue le pres &ue de(e pa)ar la compa*+a N

INTERES COMPUES

$2,500,000,000 1!.2% 1.0!"6%


48


$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES AC1M1LA/0 6,"#5,000 1!,#50,000 20,625,000 2#,500,000 !3,!#5,000 31,250,000 3",125,000 55,000,000 61,"#5,000 6",#50,000 #5,625,000 "2,500,000 "9,!#5,000 96,250,000 10!,125,000 110,000,000 116,"#5,000 12!,#50,000 1!0,625,000 1!#,500,000 133,!#5,000 151,250,000 15",125,000 165,000,000

MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$

$1,246,320,000.00 $3,746,320,000.00

CAPITAL INICIAL $2,500,000,000 $ 2,525,965,000 $ 2,552,199,6#2 $ 2,5#",#06,"1" $ 2,605,3"9,26# $ 2,6!2,539,"#9 $ 2,659,"91,532 $ 2,6"#,51#,1#5 $ 2,#15,329,#29 $ 2,#3!,6!2,1"2 $ 2,##2,12#,536 $ 2,"00,91","6! $ 2,"!0,009,206 $ 2,"59,301,6"1 $ 2,""9,099,32# $ 2,919,105,613 $ 2,939,32!,335 $ 2,9"0,056,15# $ !,011,00#,020 $ !,032,2#9,!!9 $ !,0#!,"#6,352 $ !,105,"01,#!! $ !,1!",05",590 $ !,1#0,650,366

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

1#1,"#5,000 1#",#50,000 1"5,625,000 192,500,000 199,!#5,000 206,250,000 21!,125,000 220,000,000 226,"#5,000 2!!,#50,000 230,625,000 23#,500,000 253,!#5,000 261,250,000 26",125,000 2#5,000,000 2"1,"#5,000 2"",#50,000 295,625,000 !02,500,000 !09,!#5,000 !16,250,000 !2!,125,000 !!0,000,000

"% "& "' " " #* #! #" ## #$ #% #& #' # # $* $! $" $# $$ $% $& $' $

$ !,20!,5"0,"32 $ !,2!6,"5!,2!! $ !,2#0,3#1,190 $ !,!03,3!",!03 $ !,!!",#5",200 $ !,!#!,3!3,53! $ !,30",3#1,0!3 $ !,33!,"#1,313 $ !,3#9,6!9,36! $ !,515,##",99" $ !,552,29!,"#9 $ !,5"9,1"",00! $ !,626,365,!10 $ !,663,129,##" $ !,#02,1"5,3!0 $ !,#30,6!6,!2" $ !,##9,3"6,5## $ !,"1",#30,!25 $ !,"5",301,#62 $ !,"9",3#5,122 $ !,9!",963,6"5 $ !,9#9,"#3,##2 $ 3,021,209,#52 $ 3,062,9#3,0!6 Total interés

:. plicando la tasa de in un crédito de $ 2.500.00 entidad , cual es el 'alo la compa*+a N-/ 

INTERES COMPUES

$2,500,000,000

Valor actual Tasa de interés

13.!%

Tasa de interés

1.1200% 60


$1,680,000,000.00 $4,180,000,000.00

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

INTE-ES AC1M1LA/0 5,95",!!! 11,916,66# 1#,"#5,000 2!,"!!,!!! 29,#91,66# !5,#50,000 31,#0",!!! 3#,666,66# 5!,625,000 59,5"!,!!! 65,531,66# #1,500,000 ##,35",!!! "!,316,66# "9,!#5,000 95,!!!,!!! 101,291,66# 10#,250,000 11!,20",!!! 119,166,66# 125,125,000 1!1,0"!,!!! 1!#,031,66# 13!,000,000 13",95",!!! 153,916,66# 160,"#5,000 166,"!!,!!! 1#2,#91,66# 1#",#50,000 1"3,#0",!!! 190,666,66# 196,625,000 202,5"!,!!! 20",531,66# 213,500,000 220,35",!!! 226,316,66# 2!2,!#5,000 2!",!!!,!!! 233,291,66# 250,250,000

MESES ! " # $ % & '   !* !! !" !# !$ !% !& !' ! ! "* "! "" "# "$ "% "& "' " " #* #! #" ## #$ #% #& #' # # $* $! $"

CAPITAL INICIAL $2,500,000,000 $ 2,52",000,000 $ 2,556,!1!,600 $ 2,5"3,933,!12 $ 2,61!,"95,6"9 $ 2,63!,1#1,!20 $ 2,6#2,##3,"!9 $ 2,#02,#09,91# $ 2,#!2,9"0,26" $ 2,#6!,5"9,63# $ 2,#93,531,"51 $ 2,"25,"30,#20 $ 2,"5#,390,1!6 $ 2,""9,393,026 $ 2,921,"56,!59 $ 2,953,5"1,150 $ 2,9"#,6#2,359 $ !,021,1!3,!91 $ !,053,9#1,096 $ !,0"9,1"6,##2 $ !,12!,#"5,663 $ !,15",##2,06! $ !,193,150,!10 $ !,229,923,#93 $ !,266,099,952 $ !,!02,6"0,2#1 $ !,!!9,6#0,290 $ !,!##,0#3,59# $ !,313,"9#,"!! $ !,35!,133,6"" $ !,391,"19,909 $ !,5!0,92",292 $ !,5#0,3#3,6"9 $ !,610,363,005 $ !,650,901,202 $ !,691,#91,296 $ !,#!!,1!9,!5" $ !,##3,950,519 $ !,"1#,229,965 $ !,"59,9"2,930 $ !,90!,213,#39 $ !,936,9!0,#55

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

256,20",!!! 262,166,66# 26",125,000 2#3,0"!,!!! 2"0,031,66# 2"6,000,000 291,95",!!! 29#,916,66# !0!,"#5,000 !09,"!!,!!! !15,#91,66# !21,#50,000 !2#,#0",!!! !!!,666,66# !!9,625,000 !35,5"!,!!! !51,531,66# !5#,500,000

$# $$ $% $& $' $ $ %* %! %" %# %$ %% %& %' % % &*

$ !,991,1!6,!#9 $ 3,0!5,"!#,106 $ 3,0"1,0!",3"2 $ 3,126,#36,11! $ 3,1#2,965,669 $ 3,219,#02,""5 $ 3,266,96!,55# $ 3,!13,#5!,539 $ 3,!6!,0#",#"9 $ 3,311,935,2#1 $ 3,361,!59,05" $ 3,511,!26,2"0 $ 3,561,"5!,1!3 $ 3,612,935,""9 $ 3,663,610,""! $ 3,#16,"53,525 $ 3,#69,6"!,296 $ 3,"2!,10!,#39 Total interés

cti'a anual del 11,5% de un crédito de $ a la entidad , cual es el 'alor de los intereses / .. al término de los 12 meses

O capital anual Mensual Nº meses Interés total producido Total capital  intereses

INTE-ES .ENE-A/0 $ 22,#"0,000 $ 22,9"#,5#1 $ 2!,19#,0!3 $ 2!,30",305 $ 2!,621,#0! $ 2!,"!6,933 $ 23,053,136 $ 23,2#!,!2# $ 23,393,506 $ 23,#1#,#00 $ 23,932,92" $ 25,1#0,20" + "',$$,$'"

$ $ $ $ $ $ $ $ $ $ $ $

CAPITAL INAL 2,522,#"0,000 2,535,#6#,5#1 2,56",963,605 2,592,!#!,011 2,615,993,#13 2,6!9,"!1,65" 2,66!,""5,"03 2,6"",159,1!1 2,#12,65!,6!# 2,#!#,!#1,!!# 2,#62,!13,265 2,#"#,3"3,3#2

terés e7ecti'a anual del 12,#% de .000 a 23 meses &ue le presta la r de los intereses &ue de(e pa)ar .. al término de los 23 meses O capital anual

Mensual Nº meses Interés total producido Total capital + intereses

INTE-ES .ENE-A/0 $ 25,0!2,500 $ 25,2"!,150 $ 25,5!6,!11 $ 25,#92,006 $ 26,050,261 $ 26,!11,102 $ 26,5#3,555 $ 26,"30,636 $ 2#,109,302 $ 2#,!"0,"3" $ 2#,655,01! $ 2#,9!1,922 $ 2",211,605 $ 2",393,0"# $ 2",##9,!99 $ 29,06#,56# $ 29,!5",620 $ 29,652,5"" $ 29,939,500 $ !0,239,!"3 $ !0,552,2#1 $ !0,"5",191 $ !1,16#,1#3 $ !1,3#9,251 + &'%,#!',#%$

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

CAPITAL INAL 2,525,0!2,500 2,550,!15,650 2,5#5,"51,961 2,601,63!,96# 2,62#,693,22" 2,653,005,!!0 2,6"0,5#9,""5 2,#0#,320,5!2 2,#!3,529,9!3 2,#61,910,#"2 2,#"9,565,#93 2,"1#,39#,#1# 2,"35,#09,!21 2,"#3,20!,309 2,902,9"2,"0" 2,9!2,050,!#3 2,961,30",995 2,991,061,5"! !,021,011,0"! !,051,260,36# !,0"1,"12,#!" !,112,6#0,929 !,13!,"!",10! !,1#5,!1#,!53

terés e7ecti'a anual del 12,9% de .000 a !6 meses &ue le presta la r de los intereses &ue de(e pa)ar .. al término de los !6 meses

O capital anual

Mensual Nº meses Interés total producido Total capital + intereses

INTE-ES .ENE-A/0 $ 25,305,000 $ 25,66!,166 $ 25,92!,955 $ 26,1"#,!93 $ 26,35!,510 $ 26,#22,!!1 $ 26,99!,""! $ 2#,26",195 $ 2#,535,293 $ 2#,"25,210 $ 2",10#,969 $ 2",!9!,60! $ 2",6"2,1!" $ 2",9#!,606 $ 29,26",0!6 $ 29,565,35" $ 29,"65,902 $ !0,169,!99 $ !0,3#5,9"1 $ !0,#"5,6#" $ !1,09",522 $ !1,313,535 $ !1,#!!,#"0 $ !2,056,25" $ !2,!"2,013 $ !2,#11,0"0 $ !!,03!,390 $ !!,!#9,2#" $ !!,#1",3#" $ !3,061,125 $ !3,30#,253 $ !3,#56,901 $ !5,110,101 $ !5,366,""9 $ !5,"2#,!03 $ !6,191,!"1

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

CAPITAL INAL 2,525,305,000 2,551,06",166 2,5#6,992,120 2,60!,1#9,513 2,629,6!!,023 2,656,!55,!55 2,6"!,!39,2!" 2,#10,61#,3!! 2,#!",162,#2" 2,#65,9"#,9!# 2,#93,095,90# 2,"22,3"9,509 2,"51,1#1,63" 2,""0,135,253 2,909,31!,290 2,9!",9#",#3" 2,96","33,650 2,999,013,039 !,029,390,0!0 !,060,2#5,#0" !,091,!#3,2!0 !,122,#"",##3 !,153,522,553 !,1"6,5#","12 !,21",960,"26 !,251,6#1,906 !,2"3,#15,!96 !,!1",093,6#3 !,!51,"1!,152 !,!"5,"#3,2## !,320,2"1,5!1 !,355,0!",3!2 !,390,13",5!! !,525,615,322 !,561,332,#26 !,59#,6!3,10#

+

!,*',&#$,!*'

ecti'a anual del 1!,2% de un crédito de $ a la entidad , cual es el 'alor de los intereses / .. al término de los 3" meses

O capital anual Mensual Nº meses Interés total producido Total capital + intereses

INTE-ES .ENE-A/0 $ 25,965,000 $ 26,2!3,6#2 $ 26,50#,136 $ 26,#"2,339 $ 2#,060,612 $ 2#,!31,66! $ 2#,625,6!3 $ 2#,912,55! $ 2",202,35! $ 2",395,!63 $ 2",#91,!1# $ 29,090,!3! $ 29,!92,3#6 $ 29,69#,#36 $ !0,006,1"# $ !0,!1#,"!1 $ !0,6!2,#12 $ !0,950,"6! $ !1,2#2,!19 $ !1,59#,11! $ !1,925,2"1 $ !2,256,"5# $ !2,591,"## $ !2,9!0,!#6

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

CAPITAL INAL 2,525,965,000 2,552,199,6#2 2,5#",#06,"1" 2,605,3"9,26# 2,6!2,539,"#9 2,659,"91,532 2,6"#,51#,1#5 2,#15,329,#29 2,#3!,6!2,1"2 2,##2,12#,536 2,"00,91","6! 2,"!0,009,206 2,"59,301,6"1 2,""9,099,32# 2,919,105,613 2,939,32!,335 2,9"0,056,15# !,011,00#,020 !,032,2#9,!!9 !,0#!,"#6,352 !,105,"01,#!! !,1!",05",590 !,1#0,650,366 !,20!,5"0,"32

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ +

!!,2#2,!91 !!,61#,95" !!,96#,113 !3,!19,"96 !3,6#6,!3! !5,0!6,391 !5,300,!"0 !5,#6",039 !6,1!9,5!5 !6,513,""1 !6,"93,123 !#,2##,!0# !#,663,369 !",055,652 !",350,"9" !","50,239 !9,25!,#3" !9,661,3!# 30,0#!,!61 30,3"9,56! 30,910,0"# 31,!!3,9#9 31,#63,2"3 32,19",03" !,&*%,!'",*$

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

terés e7ecti'a anual del 13,!% de .000 a 60 meses &ue le presta la r de los intereses &ue de(e pa)ar .. al término de los 60 meses

O capital anual Mensual Nº meses Interés total producido Total capital + intereses

!,2!6,"5!,2!! !,2#0,3#1,190 !,!03,3!",!03 !,!!",#5",200 !,!#!,3!3,53! !,30",3#1,0!3 !,33!,"#1,313 !,3#9,6!9,36! !,515,##",99" !,552,29!,"#9 !,5"9,1"",00! !,626,365,!10 !,663,129,##" !,#02,1"5,3!0 !,#30,6!6,!2" !,##9,3"6,5## !,"1",#30,!25 !,"5",301,#62 !,"9",3#5,122 !,9!",963,6"5 !,9#9,"#3,##2 3,021,209,#52 3,062,9#3,0!6 3,105,1#2,0"3

INTE-ES .ENE-A/0 $ 2",000,000 $ 2",!1!,600 $ 2",6!0,#12 $ 2",951,!#6 $ 29,2#5,6!2 $ 29,60!,519 $ 29,9!5,0#" $ !0,2#0,!51 $ !0,609,!#9 $ !0,952,203 $ !1,29","69 $ !1,639,316 $ !2,00!,"90 $ !2,!62,!!! $ !2,#23,#91 $ !!,091,!09 $ !!,361,9!2 $ !!,"!6,#05 $ !3,215,6#6 $ !3,59","92 $ !3,9"6,!99 $ !5,!#",23# $ !5,##3,3"! $ !6,1#5,15" $ !6,5"0,!19 $ !6,990,019 $ !#,303,!0# $ !#,"2!,2!5 $ !",236,"56 $ !",6#5,221 $ !9,10",!"! $ !9,536,!9# $ !9,9"9,!1# $ 30,3!#,19# $ 30,"90,09! $ 31,!3",06! $ 31,"11,161 $ 32,2#9,336 $ 32,#52,9#6 $ 3!,2!1,"09 $ 3!,#16,005 $ 33,205,623

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

CAPITAL INAL 2,52",000,000 2,556,!1!,600 2,5"3,933,!12 2,61!,"95,6"9 2,63!,1#1,!20 2,6#2,##3,"!9 2,#02,#09,91# 2,#!2,9"0,26" 2,#6!,5"9,63# 2,#93,531,"51 2,"25,"30,#20 2,"5#,390,1!6 2,""9,393,026 2,921,"56,!59 2,953,5"1,150 2,9"#,6#2,359 !,021,1!3,!91 !,053,9#1,096 !,0"9,1"6,##2 !,12!,#"5,663 !,15",##2,06! !,193,150,!10 !,229,923,#93 !,266,099,952 !,!02,6"0,2#1 !,!!9,6#0,290 !,!##,0#3,59# !,313,"9#,"!! !,35!,133,6"" !,391,"19,909 !,5!0,92",292 !,5#0,3#3,6"9 !,610,363,005 !,650,901,202 !,691,#91,296 !,#!!,1!9,!5" !,##3,950,519 !,"1#,229,965 !,"59,9"2,930 !,90!,213,#39 !,936,9!0,#55 !,991,1!6,!#9

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ +

33,#00,#2# 35,201,!#6 35,#0#,6!1 36,219,556 36,#!#,215 3#,260,6#2 3#,#"9,992 3",!25,230 3","66,3"2 39,31!,#"# 39,96#,221 50,526,"53 51,092,#55 51,663,993 52,23!,632 52,"2",##1 5!,320,35! 53,01",#62 ",#'',!"",%!!

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

3,0!5,"!#,106 3,0"1,0!",3"2 3,126,#36,11! 3,1#2,965,669 3,219,#02,""5 3,266,96!,55# 3,!13,#5!,539 3,!6!,0#",#"9 3,311,935,2#1 3,361,!59,05" 3,511,!26,2"0 3,561,"5!,1!3 3,612,935,""9 3,663,610,""! 3,#16,"53,525 3,#69,6"!,296 3,"2!,10!,#39 3,"##,122,511

. a compa a

. . .

. ¿Qué tasa eecti!a le li"uida la entidad #$ por un préstamo "ue se pactar%a al 11$&' de interés anual con!erti(le semestralmente)

Tasa Efec!"a

Valor actual Tasa de interés Tasa de interés Plazo

$2,500,000,000 11.5% 5."% 2

capital anual Mensual Nº emestral

C. ¿ Qué tasa eecti!a le li"uida la entidad *$ por un préstamo "ue se pactar%a al

12$' de interés anual con!erti(le trimestralmente)

Tasa Efec!"a


$2,500,000,000 12.9% !.2%

Plazo

4

capital anual Mensual Nº Trimestral

,- ¿Qué tasa eecti!a le li"uida la entidad ,$ por un préstamo "ue se pactar%a al 14$3' de interés anual con!erti(le (imensualmente)

Tasa Efec!"a


$2,500,000,000 13.!% 0.6% 24

capital anual Mensual Nº 4imensual

esea conocer

4. ;ué tasa e7ecti'a le li&uida la entidad 4, por un préstamo &u al 12,#% de interés anual con'erti(le cuatrimestralmen Tasa Efec!"a


$2,500,000,000 12.#% 3.2!% 3

capital anual Mensual Nº uatrimestral

.- ¿Qué tasa eecti!a le li"uida la entidad .$ por un préstamo "ue se 13$2' de interés anual con!erti(le (imestralmente)

Tasa Efec!"a


$2,500,000,000 1!.2% 2.2%

Plazo

6

capital anual Mensual Nº 4imestral

se pactar+a e

pactar%a al

!. uad Propuesta de crédito

Monto del crédito

ntidad



$2,500,000,000

ntidad

4

$2,500,000,000

ntidad



$2,500,000,000

ntidad



$2,500,000,000

ntidad



$2,500,000,000

ntidad

8

$2,500,000,000

ntidad



$2,500,000,000

ntidad



$2,500,000,000

ntidad

I

$2,500,000,000

ntidad

:

$2,500,000,000

ro comparati'o de alternati'as de
Tipo de tasa de interés

Tasa de interés 2

12

nual imple

11.5%

12

7ecti'a nual

11.5%

23

nual imple

12.#%

23

7ecti'a nual

12.#%

!6

nual imple

12.9%

!6

7ecti'a nual

12.9%

3"

nual imple

1!.2%

3"

7ecti'a nual

1!.2%

60

nual imple

13.!%

60

7ecti'a nual

13.!%

Valor de los intereses 3enerados

Interes Simple y Compuesto

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