A. ¿Aplicando la tasa de interés siple ens!al del 0,97% de !n crédito de " 2.500.000.000 a 12 eses ese s #!e le presta la en$dad A, c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 12 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12
Monto
Interes
2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% 2,500,000,000 0.97% Total intereses generados
Interes Generado
24250000 24250000 24250000 24250000 24250000 24250000 24250000 24250000 24250000 24250000 24250000 24250000 291,000,000.00
. ¿Aplicando la tasa de interés cop!esto cop!esto ens!al del 0,97% de !n crédito de " 2.500.000.000 a 12 eses ese s #!e le presta la en$dad A, c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 12 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12
Monto
Capital al inicio del periodo Interes Generado
2,500,000,000 2,500,000,000 2,500,000,000 2,524,250,000 2,500,000,000 2,548,735,225 2,500,000,000 2,573,457,957 2,500,000,000 2,598,420,499 2,500,000,000 2,623,625,178 2,500,000,000 2,649,074,342 2,500,000,000 2,674,770,363 2,500,000,000 2,700,715,636 2,500,000,000 2,726,912,577 2,500,000,000 2,753,363,629 2,500,000,000 2,780,071,256 Total intereses generados
24,250,000.00 24,485,225.00 24,722,731.68 24,962,542.18 25,204,678.84 25,449,164.22 25,696,021.12 25,945,272.52 26,196,941.66 26,451,052.00 26,707,627.20 26,966,691.19 307,037,947.62
. ¿Aplicando la tasa de interés siple ens!al del 1,076% de !n crédito de " 2.500.000.000 a 24 eses #!e le presta la en$dad , c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 24 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
Monto
Interes
Interes Generado
2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% 2,500,000,000 1.076% Total ntereses enerados
26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 26,900,000.00 645,600,000.00
. ¿Aplicando la tasa de interés cop!esto ens!al del 1,076% de !n crédito de " 2.500.000.000 a 24 eses #!e le presta la en$dad , c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 24 eses Periodos
1 2 3 4 5 6 7
Monto
2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000
Capital al inicio del periodo Interes Generado
" " " " " " "
2,500,000,000.00 2,526,900,000.00 2,554,089,444.00 2,581,571,446.42 2,609,349,155.18 2,637,425,752.09 2,665,804,453.18
26,900,000.00 27,189,444.00 27,482,002.42 27,777,708.76 28,076,596.91 28,378,701.09 28,684,055.92
8 9 10 11 12 12 13 14 15 16 17 18 19 20 21 22 23 24
2,500,000,000 " 2,694,488,509.10 2,500,000,000 " 2,723,481,205.46 2,500,000,000 " 2,752,785,863.23 2,500,000,000 " 2,782,405,839.12 2,500,000,000 " 2,812,344,525.95 ntereses generados rier A'o 2,500,000,000 " 3,125,011,192.16 2,500,000,000 " 3,158,636,312.59 2,500,000,000 " 3,192,623,239.31 2,500,000,000 " 3,226,975,865.37 2,500,000,000 " 3,261,698,125.68 2,500,000,000 " 3,296,793,997.51 2,500,000,000 " 3,332,267,500.92 2,500,000,000 " 3,368,122,699.23 2,500,000,000 " 3,404,363,699.48 2,500,000,000 " 3,440,994,652.88 2,500,000,000 " 3,478,019,755.35 2,500,000,000 " 3,515,443,247.92 2,500,000,000 " 3,553,269,417.26 ntereses generados seg!ndo a'o Total intereses generados en los 24 eses
28,992,696.36 29,304,657.77 29,619,975.89 29,938,686.83 30,260,827.10 342,605,353.04 33,625,120.43 33,986,926.72 34,352,626.05 34,722,260.31 35,095,871.83 35,473,503.41 35,855,198.31 36,241,000.24 36,630,953.41 37,025,102.47 37,423,492.57 37,826,169.35 38,233,178.93 466,491,404.03 809,096,757.08
). ¿Aplicando la tasa de interés siple ens!al del 1,0959% de !n crédito de " 2.500.000.000 a 36 eses #!e le presta la en$dad , c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 36 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17
Monto
Interes
Interes Generado
2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000
1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959% 1.0959%
27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00
18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36
2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% 2,500,000,000 1.0959% Total intereses generados en los 36 eses
27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 27,397,500.00 986,310,000.00
. ¿Aplicando la tasa de interés cop!esto ens!al del 1,0959% de !n crédito de " 2.500.000.000 a 36 eses #!e le presta la en$dad , c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 36 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12 1 2 3
Monto
Capital al inicio del periodo Interes Generado
2,500,000,000 " 2,500,000,000.00 2,500,000,000 " 2,527,397,500.00 2,500,000,000 " 2,555,095,249.20 2,500,000,000 " 2,583,096,538.04 2,500,000,000 " 2,611,404,693.00 2,500,000,000 " 2,640,023,077.03 2,500,000,000 " 2,668,955,089.93 2,500,000,000 " 2,698,204,168.76 2,500,000,000 " 2,727,773,788.25 2,500,000,000 " 2,757,667,461.19 2,500,000,000 " 2,787,888,738.90 2,500,000,000 " 2,818,441,211.59 ntereses generados en el prier a'o 2,500,000,000 " 3,167,769,720.42 2,500,000,000 " 3,202,456,798.85 2,500,000,000 " 3,237,552,522.91
27,397,500.00 27,697,749.20 28,001,288.84 28,308,154.96 28,618,384.03 28,932,012.90 29,249,078.83 29,569,619.49 29,893,672.95 30,221,277.71 30,552,472.69 30,887,297.24 349,328,508.83 34,687,078.44 35,095,724.06 35,480,338.10
4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12
2,500,000,000 " 3,273,032,861.01 2,500,000,000 " 3,308,902,028.14 2,500,000,000 " 3,345,164,285.46 2,500,000,000 " 3,381,823,940.87 2,500,000,000 " 3,418,885,349.43 2,500,000,000 " 3,456,352,913.98 2,500,000,000 " 3,494,231,085.56 2,500,000,000 " 3,532,524,364.03 2,500,000,000 " 3,571,237,298.53 ntereses generados en el seg!ndo a'o 2,500,000,000 " 4,013,842,066.21 2,500,000,000 " 4,057,829,761.41 2,500,000,000 " 4,102,299,517.77 2,500,000,000 " 4,147,256,618.18 2,500,000,000 " 4,192,706,403.46 2,500,000,000 " 4,238,654,272.94 2,500,000,000 " 4,285,105,685.11 2,500,000,000 " 4,332,066,158.32 2,500,000,000 " 4,379,541,271.35 2,500,000,000 " 4,427,536,664.14 2,500,000,000 " 4,476,058,038.44 2,500,000,000 " 4,525,111,158.48 ntereses generados en el tercer a'o Total intereses generados en los 36 eses
35,869,167.12 36,262,257.33 36,659,655.40 37,061,408.57 37,467,564.54 37,878,171.58 38,293,278.47 38,712,934.51 39,137,189.55 442,604,767.67 43,987,695.20 44,469,756.36 44,957,100.42 45,449,785.28 45,947,869.48 46,451,412.18 46,960,473.20 47,475,113.03 47,995,392.79 48,521,374.30 49,053,120.04 49,590,693.19 560,859,785.46 1,352,793,061.96
. ¿Aplicando la tasa de interés siple ens!al del 1,159% de !n crédito de " 2.500.000.000 a 48 eses #!e le presta la en$dad , c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 48 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12 13 14
Monto
Interes
Interes Generado
2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000
1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159% 1.159%
28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00
15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48
2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% 2,500,000,000 1.159% Total intereses generados en los 48 eses
28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 28,975,000.00 1,390,800,000.00
. ¿Aplicando la tasa de interés cop!esto ens!al del 1,159% de !n crédito de " 2.500.000.000 a 48 eses #!e le presta la en$dad , c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 48 eses Periodos
1
Monto
2,500,000,000
Capital al inicio del periodo Interes Generado
"
2,500,000,000.00 28,975,000.00
2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7
2,500,000,000 " 2,528,975,000.00 2,500,000,000 " 2,558,285,820.25 2,500,000,000 " 2,587,936,352.91 2,500,000,000 " 2,617,930,535.24 2,500,000,000 " 2,648,272,350.14 2,500,000,000 " 2,678,965,826.68 2,500,000,000 " 2,710,015,040.61 2,500,000,000 " 2,741,424,114.93 2,500,000,000 " 2,773,197,220.42 2,500,000,000 " 2,805,338,576.21 2,500,000,000 " 2,837,852,450.31 ntereses generados en el prier a'o 2,500,000,000 " 3,208,595,610.51 2,500,000,000 " 3,245,783,233.64 2,500,000,000 " 3,283,401,861.31 2,500,000,000 " 3,321,456,488.89 2,500,000,000 " 3,359,952,169.59 2,500,000,000 " 3,398,894,015.24 2,500,000,000 " 3,438,287,196.87 2,500,000,000 " 3,478,136,945.49 2,500,000,000 " 3,518,448,552.68 2,500,000,000 " 3,559,227,371.41 2,500,000,000 " 3,600,478,816.64 2,500,000,000 " 3,642,208,366.13 ntereses generados en el seg!ndo a'o 2,500,000,000 " 4,118,034,316.71 2,500,000,000 " 4,165,762,334.44 2,500,000,000 " 4,214,043,519.90 2,500,000,000 " 4,262,884,284.29 2,500,000,000 " 4,312,291,113.15 2,500,000,000 " 4,362,270,567.15 2,500,000,000 " 4,412,829,283.02 2,500,000,000 " 4,463,973,974.41 2,500,000,000 " 4,515,711,432.78 2,500,000,000 " 4,568,048,528.28 2,500,000,000 " 4,620,992,210.73 2,500,000,000 " 4,674,549,510.45 ntereses generados en el tercer a'o 250,000,000,000 " 5,285,242,733.01 250,000,000,000 " 5,346,498,696.29 250,000,000,000 " 5,408,464,616.18 250,000,000,000 " 5,471,148,721.08 250,000,000,000 " 5,534,559,334.76 250,000,000,000 " 5,598,704,877.45 250,000,000,000 " 5,663,593,866.98
29,310,820.25 29,650,532.66 29,994,182.33 30,341,814.90 30,693,476.54 31,049,213.93 31,409,074.32 31,773,105.49 32,141,355.78 32,513,874.10 32,890,709.90 370,743,160.20 37,187,623.13 37,618,627.68 38,054,627.57 38,495,680.71 38,941,845.65 39,393,181.64 39,849,748.61 40,311,607.20 40,778,818.73 41,251,445.23 41,729,549.48 42,213,194.96 475,825,950.58 47,728,017.73 48,281,185.46 48,840,764.40 49,406,828.85 49,979,454.00 50,558,715.87 51,144,691.39 51,737,458.36 52,337,095.51 52,943,682.44 53,557,299.72 54,178,028.83 610,693,222.56 61,255,963 61,965,920 62,684,105 63,410,614 64,145,543 64,888,990 65,641,053
8 9 10 11 12
250,000,000,000 " 5,729,234,919.89 250,000,000,000 " 5,795,636,752.62 250,000,000,000 " 5,862,808,182.58 250,000,000,000 " 5,930,758,129.42 250,000,000,000 " 5,999,495,616.13 ntereses generados en el c!arto a'o Total intereses generados de los 48 eses
66,401,833 67,171,430 67,949,947 68,737,487 69,534,154 783,787,037 2,241,049,370.66
. ¿Aplicando la tasa de interés siple ens!al del 1,25% de !n crédito de " 2.500.000.000 a 60 eses #!e le presta la en$dad ), c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 60 eses Periodos
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
Monto
Interes
Interes Generado
2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000
1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25%
31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00
32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% 2,500,000,000 1.25% Total ntereses generados en los 60 eses
31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 31,250,000.00 1,875,000,000.00
. ¿Aplicando la tasa de interés cop!esto ens!al del 1,25% de !n crédito de " 2.500.000.000 a 60 eses #!e le presta la en$dad ), c!al es el alor de los intereses #!e de&e pagar la copa'(a )*+)- /.A./ al térino de los 60 eses Periodos
1 2 3 4 5 6 7
Monto
2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000
Capital al inicio del periodo Interes Generado
" " " " " " "
2,500,000,000.00 2,531,250,000.00 2,562,890,625.00 2,594,926,757.81 2,627,363,342.29 2,660,205,384.06 2,693,457,951.36
31,250,000.00 31,640,625.00 32,036,132.81 32,436,584.47 32,842,041.78 33,252,567.30 33,668,224.39
8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12
2,500,000,000 " 2,727,126,175.76 2,500,000,000 " 2,761,215,252.95 2,500,000,000 " 2,795,730,443.62 2,500,000,000 " 2,830,677,074.16 2,500,000,000 " 2,866,060,537.59 ntereses generados en el prier a'o 2,500,000,000 " 3,267,946,831.90 2,500,000,000 " 3,308,796,167.29 2,500,000,000 " 3,350,156,119.39 2,500,000,000 " 3,392,033,070.88 2,500,000,000 " 3,434,433,484.26 2,500,000,000 " 3,477,363,902.82 2,500,000,000 " 3,520,830,951.60 2,500,000,000 " 3,564,841,338.50 2,500,000,000 " 3,609,401,855.23 2,500,000,000 " 3,654,519,378.42 2,500,000,000 " 3,700,200,870.65 2,500,000,000 " 3,746,453,381.53 ntereses generados en el seg!ndo a'o 2,500,000,000 " 4,271,790,598.44 2,500,000,000 " 4,325,187,980.92 2,500,000,000 " 4,379,252,830.68 2,500,000,000 " 4,433,993,491.06 2,500,000,000 " 4,489,418,409.70 2,500,000,000 " 4,545,536,139.82 2,500,000,000 " 4,602,355,341.57 2,500,000,000 " 4,659,884,783.34 2,500,000,000 " 4,718,133,343.13 2,500,000,000 " 4,777,110,009.92 2,500,000,000 " 4,836,823,885.04 2,500,000,000 " 4,897,284,183.61 ntereses generados en el tercer a'o 250,000,000,000 " 5,583,993,821.07 250,000,000,000 " 5,653,793,743.84 250,000,000,000 " 5,724,466,165.63 250,000,000,000 " 5,796,021,992.71 250,000,000,000 " 5,868,472,267.61 250,000,000,000 " 5,941,828,170.96 250,000,000,000 " 6,016,101,023.10 250,000,000,000 " 6,091,302,285.88 250,000,000,000 " 6,167,443,564.46 250,000,000,000 " 6,244,536,609.01 250,000,000,000 " 6,322,593,316.63 250,000,000,000 " 6,401,625,733.08 ntereses generados en el c!arto a'o
34,089,077.20 34,515,190.66 34,946,630.55 35,383,463.43 35,825,756.72 401,886,294.31 40,849,335.40 41,359,952.09 41,876,951.49 42,400,413.39 42,930,418.55 43,467,048.79 44,010,386.90 44,560,516.73 45,117,523.19 45,681,492.23 46,252,510.88 46,830,667.27 525,337,216.91 53,397,382.48 54,064,849.76 54,740,660.38 55,424,918.64 56,117,730.12 56,819,201.75 57,529,441.77 58,248,559.79 58,976,666.79 59,713,875.12 60,460,298.56 61,216,052.30 686,709,637.47 69,799,923 70,672,422 71,555,827 72,450,275 73,355,903 74,272,852 75,201,263 76,141,279 77,093,045 78,056,708 79,032,416 80,020,322 897,652,234
1 2 3 4 5 6 7 8 9 10 11 12
250,897,652,234 " 7,299,277,966.76 4,144,700,208 " 7,390,518,941.34 4,144,700,208 " 7,482,900,428.11 4,144,700,208 " 7,576,436,683.46 4,144,700,208 " 7,671,142,142.01 4,144,700,208 " 7,767,031,418.78 4,144,700,208 " 7,864,119,311.52 4,144,700,208 " 7,962,420,802.91 4,144,700,208 " 8,061,951,062.95 4,144,700,208 " 8,162,725,451.23 4,144,700,208 " 8,264,759,519.37 4,144,700,208 " 8,368,069,013.36 ntereses generados en c!arto a'o ntereses generados en los 6- eses
91,240,975 92,381,487 93,536,255 94,705,459 95,889,277 97,087,893 98,301,491 99,530,260 100,774,388 102,034,068 103,309,494 104,600,863 1,173,391,909 3,684,977,292
A. ¿Qué tasa efecva le liquida la endad A, por un préstamo que se pactaría al ,!" de interés anual conver#le semestralmente$
Tasa eriodos nterea seestral
0.12 2.00 0.12
alc!lo reali:ado teniendo en c!enta el conersor de la s!perintendencia ;nanciera.
%. ¿Qué tasa efecva le liquida la endad %, por un préstamo que se pactaría al &,'" de interés anual conver#le cuatrimestralmente$
tasa periodos nteres c!atriestral
0.13 3.00 13%
alc!lo reali:ado teniendo en c!enta el conersor de la s!perintendencia ;nanciera.
C. ¿Qué tasa efecva le liquida la endad C, por un préstamo que se pactaría al (,)" de interés anual conver#le trimestralmente$
tasa 0.13 periodos 4.00 nteres triestral 14% alc!lo reali:ado teniendo en c!enta el conersor de la s!perintendencia ;nanciera.
*. ¿Qué tasa efecva le liquida la endad *, por un préstamo que se pactaría al (,+" de interés anual conver#le #imestralmente$
tasa 0.13 periodos 6.00 nteres &iestral 14% alc!lo reali:ado teniendo en c!enta el conersor de la s!perintendencia ;nanciera.
. ¿Qué tasa efecva le liquida la endad , por un préstamo que se pactaría al +,)" de interés anual conver#le #imensualmente$
tasa periodos nteres &iens!al
0.15 24.00 15.55%
2. La compañía ENRECOL S.A.S. desea conocer: A. ¿Qué tasa efectiva le liquida la entidad A, por un préstamo que se pactaría al 11,5% de interés anual convertile semestralmente! Realizandolo en la pagina de la superintendencia financiera
semestralmente" #,$11 mensual & 'meses " 5,(') % semestral *. ¿Qué tasa efectiva le liquida la entidad *, por un préstamo que se pactaría al 1,)% de interés anual convertile cuatrimestralmente! Realizandolo en la pagina de la superintendencia financiera
cuatrimestral " 1,##1+%mensual & ( meses " (,##5% cuatrimestral . ¿Qué tasa efectiva le liquida la entidad , por un préstamo que se pactaría al 1,$% de interés anual convertile trimestralmente! Realizandolo en la pagina de la superintendencia financiera
cuatrimestral " 1,#1'%mensual & + meses " +,#(-'% trimestral . ¿Qué tasa efectiva le liquida la entidad , por un préstamo que se pactaría al 1+,% de interés anual convertile imestralmente! Realizandolo en la pagina de la superintendencia financiera
cuatrimestral " 1,#+-'%mensual & meses " ,#))% imestral /. ¿Qué tasa efectiva le liquida la entidad /, por un préstamo que se pactaría al 1(,+% de interés anual convertile imensualmente! Realizandolo en la pagina de la superintendencia financiera
cuatrimestral " 1,1##%mensual & meses " ,(% imestral
Item
A )
ropuesta del credito. . ipotecario . ipotecario . ipotecario . ipotecario . ipotecario . ipotecario . ipotecario . ipotecario . ipotecario . ipotecario
0onto " " " " " " " " " "
2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000 2,500,000,000
2iempo 3meses4
2ipo de tasa
12 12 24 24 36 36 48 48 60 60
/iple op!esto /iple op!esto /iple op!esto /iple op!esto /iple op!esto
2asa de interes 0.97% 0.97% 1.076% 1.076% 1.0959% 1.0959% 1.1559% 1.159% 1.25% 1.25%
A.*etermine cu-l de las cinco )/ opciones de 0nanciaci1n aplicando el interés simple es la m-s conveniente para que la compa2ía 34C56 7.A.7, desarrolle su pro8ecto de inversi1n, teniendo en cuenta el costo 0nanciero que representa cada opci1n de 0nanciamiento 8 el empo de duraci1n del crédito. *e#e ar9umentar su respuesta 8 porque.
/egor $epo considero #!e la e? $epo de 36 eses le perite a la di@erencia entre el interes de la opci el $epo de 2 a'os as de $epo.
%.*etermine cu-l de las cinco )/ opciones de 0nanciaci1n aplicando el interés compuesto es la m-s conveniente para que la compa2ía 34C56 7.A.7, desarrolle su pro8ecto de inversi1n, teniendo en cuenta el costo 0nanciero que representa cada opci1n de 0nanciamiento 8 el empo de duraci1n del crédito. *e#e ar9umentar su respuesta 8 porque.
/egecto, al ig!al #!e en el prie tenta$a pero el $epo en eses necesaria > !n n!eo a?!ste de la ta enos &ene;cioso. a di@erencia en dica di@erencia ?!s$;ca el $epo d
C. ¿Qué factores tuvo en cuenta diferente al costo de 0nanciaci1n 8 empo de duraci1n del crédito, para esco9er la me:or opci1n de 0nanciaci1n del pro8ecto de inversi1n 8 porque desde el punto de vista de los inversionistas$
i@erente al costo > el $epo tene posee !na rec!peraci=n rapida > sol
*. ¿Cu-l considera es el factor o elemento m-s importante a tener en cuenta al momento de anali;ar 8 evaluar alternavas de 0nanciaci1n para emprender pro8ectos de inversi1n 8 porque$
)l @actor as iportante es el @acto liitado > en pro>ectos de inersi=n dinero.
alor de los intereses generados 291,000,000.00 307,037,947.62 645,600,000.00 809,096,757.08 986,310,000.00 1,352,793,061.96 1,390,800,000.00 2,241,049,370.66 1,875,000,000.00 3,684,977,292
s as coneniente es la opci=n A respecto a iple, pero coo la copa'(a necesita !n r opci=n es la ), el interes es ra:ona&le > el epresa !na a>or rec!peraci=n. a =n A > ) es de 0 ,12% dica di@erencia ?!s$;ca
s as coneniente es la opci=n respecto a op!esto, el interes > el $epo se a?!starian ite el interes de la opci=n & es &astante o le peri$ria a la epresa la rec!peraci=n sa de interes pasado el a'o podria res!ltar re el interes de la opci=n > es de 0,12% e 2 a'os as de $epo.
os el $po de pro>ecto, el sector energe$co ida @rente a otro $po de ind!strias.
$epo, estaos a&lando de !n rec!rso es lo #!e as iporta, el $epo representa
