Actividad 4

Ejercicios Ilustrativos

Yenny Andrade Sánchez

Corporación Universitaria Iberoamericana

Matemática Financiera

José Vaca

Facultad de Ingeniería

2022
PUNTO UNO

Un inversionista particular contrata sus servicios como conocedor de herramientas

financieras a través de las matemáticas, para que le resuelva cuál es la mejor alternativa de
financiar durante 2 años, 100 Millones de pesos entre las siguientes y determine en cada una
de ellas el valor del costo financiero en el horizonte de tiempo planteado para cada
alternativa:

ALTERNATIVAS BASE SPREAD Por favor marque Registre el costo

la alternativa más financiero total de
favorable cada alternativa
1 DTF 8% $
2 IPC 7% $214,868,208.09
3 UVR 6% $270,665,738.85
4 £ 5% $124,039,514.46
5 P 8% La opción primerate es $123,959,033.68
la opción mas viable,
estas se manejan en
créditos extranjeros,
manejando un interés a
corto plazo, se dan a
clientes comerciales
más frecuentes.
Datos adicionales
TRM período actual -$ 3.973- Requeridos para que pueda calcular la
TRM período anterior -$ 3.277- devaluación
Denominaciones

DTF Tasa de interés promedio de los CDT a 90 días 4,43%

IPC Índice de precios al consumidor 3,80%
UVR Unidad de valor real -$ 274,28-
£ Tasa LIBOR 4,20% S.V.
P Tasa PRIME RATE 6% T.V.

PUNTO DOS
Ilustre en un diagrama de flujo los procedimientos empleados (el paso a paso) para el
desarrollo de cada una de las alternativas del punto anterior. Por favor elabore un diagrama
de flujo por separado para cada alternativa.
Nota: Los diagramas de flujo requeridos puede realizarlos a mano o en Word y
Una terminados debe presentarlos como anexo a este taller, en formato PDF.
DTF Deposito a termino fijo
DTF= VN((1+ϊ) días/360-1) FORMULA POTENCIA
DTF= 100.000.000((1+0,0443)720/720-1) 1.0443 PRESTAMO
100,000,000
DTF= 100.000.000((1,0443)1-1) 1.0443 PLAZO
24
DTF= 104.443.000 0.0443
104430000
I= (C*ϊ)*t
8,355,440.00
I= (104.443,000*0.08)*24

TABLA DE AMORTIZACIÓN DE LA ALTERNATIVA 1

NUMERO CUOTA CUOTA FIJA INTERESES ABONO A CAPITAL SALDO
0 104,443,000.00
1 $9,919,783.24 8,355,440.00 1,564,343.24 102,878,656.76
2 $9,919,783.24 8,230,292.54 1,689,490.70 101,189,166.05
3 $9,919,783.24 8,095,133.28 1,824,649.96 99,364,516.05
4 $9,919,783.24 7,949,161.29 1,970,621.96 97,393,894.14
5 $9,919,783.24 7,791,511.53 2,128,271.71 95,265,622.42
6 $9,919,783.24 7,621,249.79 2,298,533.45 92,967,088.97
7 $9,919,783.24 7,437,367.12 2,482,416.13 90,484,672.85
8 $9,919,783.24 7,238,773,83 2,681,009.42 87,803,663.43
9 $9,919,783.24 7,024,293.07 2,895,490.17 84,908,173.26
10 $9,919,783.24 6,792,653.86 3,127,129.38 81,781,043.88
11 $9,919,783.24 6,542,483.51 3,377,299.73 78,403,744.15
12 $9,919,783.24 6,272,299.53 3,647,483.71 74,756,260.44
13 $9,919,783.24 5,980,500.83 3,939,282.41 70,816,978.03
14 $9,919,783.24 5,665,358.24 4,254,425.00 66,562,553.03
15 $9,919,783.24 5,325,004.24 4,594,779.00 61,967,772.02
16 $9,919,783.24 4,957,421.92 4,962,361.32 57,005,412.70
17 $9,919,783.24 4,560,433.02 5,359,350.23 51,646,062.47
18 $9,919,783.24 4,131,685.00 5,788,098.25 45,857,964.23
19 $9,919,783.24 3,668,637.14 6,251,146.11 39,606,818.12
20 $9,919,783.24 3,168,545.45 6,751,237.79 32,855,580.33
21 $9,919,783.24 2,628,446.43 7,291,336.82 25,564,243.51
22 $9,919,783.24 2,045,139.48 7,874,643.76 17,689,599.75
23 $9,919,783.24 1,415,167.98 8,504,615.26 9,184,984.48
24 $9,919,783.24 734,798.76 9,184,984.48
$238,074,797.85
Tasa combinada = (((1+∆%IPC) X(1+margen))-1

Tasa combinada = (((1+3,8%IPC) x (1+7))-1) 24.00 meses

Tasa crédito 7.304 0

I= (C*ϊ)*t

I = (100000000*0.07304) *24

I = (7304000) *24

TABLA DE AMORTIZACIÓN DE LA ALTERNATIVA 1

NUMERO ABONO A
CUOTA CUOTA FIJA INTERESES CAPITAL SALDO
0 100,000,000.00
1 $8,952,842.00 7,304,000.00 1,648,842.00 98,351,158.00
2 $8,952,842.00 7,183,568.58 1,769,273.42 96,581,884.57
3 $8,952,842.00 7,054,340.85 1,898,501.15 94,683,383.42
4 $8,952,842.00 6,915,674.32 2,037,167.68 92,646,215.74
5 $8,952,842.00 6,766,879.60 2,185,962.41 90,460,253.33
6 $8,952,842.00 6,607,216.90 2,345,625.10 88,114,628.23
7 $8,952,842.00 6,435,892.45 2,516,949.56 85,597,678.68
8 $8,952,842.00 6,252,054.45 2,700,787.55 82,896,891.12
9 $8,952,842.00 6,054,788.93 2,898,053.08 79,998,838.05
10 $8,952,842.00 5,843,115.13 3,109,726.87 76,889,111.18
11 $8,952,842.00 5,615,980.68 3,336,861.32 73,552,249.85
12 $8,952,842.00 5,372,256.33 3,580,585.67 69,971,664.18
13 $8,952,842.00 5,110,730.35 3,842,111,65 66,129,552.53
14 $8,952,842.00 4,830,102.52 4,122,739.49 62,006,813.04
15 $8,952,842.00 4,528,977.62 4,423,864.38 57,582,948.66
16 $8,952,842.00 4,205,858.57 4,746,983.43 52,835,965.23
17 $8,952,842.00 3,859,138.90 5,093,703.10 47,742,262.12
18 $8,952,842.00 3,487,094.83 5,465,747.18 42,276,514.94
19 $8,952,842.00 3,087,876.65 5,864,965.35 36,411,549.59
20 $8,952,842.00 2,659,499.58 6,293,342.42 30,118,207.17
21 $8,952,842.00 2,199,833.85 6,753,008.15 23,365,199.02
22 $8,952,842.00 1,706,594.14 7,246,247.87 16,118,951.15
23 $8,952,842.00 1,177,328.19 7,775,513.81 8,343,437.34
24 $8,952,842.00 609,404.66 8,343,437.34 0.00

$214,868,208.09
UVRt = UVR15 (1+inflación) (t/d)

3,973 = 3,277 (1+274,28)(720/720)

24 meses
3,973 = 4.175816
6
10.17582 intereses

TABLA DE AMORTIZACIÓN DE LA ALTERNATIVA 1

NUMERO CUOTA CUOTA FIJA INTERESES ABONO A CAPITAL SALDO
0 100,00,00.00
1 $11,277,739.12 10,175,815.56 1,101,923.56 98,898,076.44
2 $11,277,739.12 10,063,685.85 1,214,053.27 97,684,023.17
3 $11,277,739.12 9,940,246.03 1,337,593.09 96,346,430.08
4 $11,277,739.12 9,804,035.02 1,473,704.09 94,872,725.99
5 $11,277,739.12 9,654,073.61 1,623,665.51 93,249,060.48
6 $11,277,739.12 9,488,852.41 1,788,886.71 91,460,173.77
7 $11,277,739.12 9,306,818.59 1,970,920.52 89,489,253.25
8 $11,277,739.12 9,106,261.36 2,171,477.76 87,317,775.48
9 $11,277,739.12 8,885,295.78 2,392,443.33 84,925,332.15
10 $11,277,739.12 8,641,845.16 2,635,893.96 82,289,438.19
11 $11,277,739.12 8,373,621.46 2,904,117.66 79,385,320.53
12 $11,277,739.12 8,078,103.80 3,199,635.32 76,185,685.21
13 $11,277,739.12 7,752,514.81 3,525,225.31 76,660,460.90
14 $11,277,739.12 7,393,794.49 3,883,944.63 68,776,516.27
15 $11,277,739.12 6,998,571.44 4,279,167.67 64,497,348.60
16 $11,277,739.12 6,563,131.23 4,714,607.88 59,782,740.71
17 $11,277,739.12 6,083,381.43 5,194,357.69 54,588,383.03
18 $11,277,739.12 5,554,813.17 5,722,925.94 48,865,457.08
19 $11,277,739.12 4,972,458.79 5,305,280.33 42,560,176.75
20 $11,277,739.12 4,330,845.09 6,946,894.03 35,613,282.72
21 $11,277,739.12 3,263,941.96 7,653,797.15 27,959,485.56
22 $11,277,739.12 2,845,105.68 8,432,633.44 19,526,852.13
23 $11,277,739.12 1,987,016.46 9,290,722.66 10,236,129.46
24 $11,277,739.12 1,041,609.65 10,236,129.46
$270,665,738.85
(TASA LIBOR/ 100) *(NUMERO DE DIAS/360)

(4,20/100) *(180/720) 24 MESES

∑M=100.000.000 *
(1+0,0605)ᴧ]ᴧ((180/720)-1)
(4,20/100) * 0.25
∑M= 100.000.000*(1+0,0605) ᴧ ] ᴧ
((180/720)-1)
0.042* 0.25
∑M= 100.000.000*(1,0605)ᴧ ] ᴧ ((0.25)-
1)
0,042*0,25
∑M = 100.000.000* 0,01479348] ᴧ
1.05%
5%

6.05 INTERES

TABLA DE AMORTIZACIÓN DE LA ALTERNATIVA 1

NUMERO ABONO A
CUOTA CUOTA FIJA INTERESES CAPITAL SALDO
0 100,000,000.00
1 $0.00 1,479,348.00 1,479,348.00 101,479,348.00
2 $0.00 1,501,232.71 1,501,232.71 102,980,580.71
3 $0.00 1,523,441.16 1,523,441.16 104,504,021.87
4 $0.00 1,545,978.16 1,545,978.16 106,050,000.02
5 $0.00 1,568,848.55 1,568,848.55 107,618,848.58
6 $31,009,878.61 1,592,057.28 29,417,821.33 78,201,027.25
7 $0.00 1,156,865.33 1,156,865.33 79,357,892.58
8 $0.00 1.173,939.40 1.173,939.40 80,531,871.58
9 $0.00 1,191,346.64 1,191,346.64 81,723,218.61
10 $0.00 1,208,970.80 1,208,970.80 82,932,189.41
11 $0.00 1,226,855.69 1,226,855.69 84,159,045.10
12 $31,009,878.61 1,245,005.15 29,764,873.46 54,394,171,64
13 $0.00 804,679.09 804,679.09 55,198,850.73
14 $0.00 816,583.09 816,583.09 56,015,433.82
15 $0.00 828,663.20 828,663.20 56,844,097.02
16 $0.00 840,922.01 840,922.01 57,685,019.03
17 $0.00 853,362.18 853,362.18 58,538,381.21
18 $31,009,878.61 865,986.37 30,143,892.24 28,394,488.97
19 $0.00 420,053.30 420,053.30 28,814,542.27
 20 $0.00 426,267.35 426,267.35 29,240,809.63
21 $0.00 432,573.33 432,573.33 29,673,382.96
22 $0.00 438.972.60 438.972.60 30,112,355.55
23 $0.00 445,466.53 445,466.53 30,557,822.08
24 $31,009,878.61 452,056.53 30,557,822.08

$124,039,514.46

El prime (más un porcentaje) forma la base fundamental de casi todos los demás tipos de
interés.

6%
∑M= 100.000.000*(1+0.14) ᴧ ((90/720)-
1)
8%
∑M=100.000.000*(1.14)ᴧ(1,125-1)
Interés 14% T/V
24 MESES
∑M=100.000.000*0,0165134]ᴧ
I= (C * ϊ) * t

I= (100000000 * 0.14) 720/90

 TABLA DE AMORTIZACIÓN DE LA ALTERNATIVA 1
NUMERO CUOTA CUOTA FIJA INTERESES ABONO A CAPITAL SALDO
0 100,000,000.00
1 $0.00 1,651,340.00 1,651,340.00 101,651,340.00
2 $0.00 1,678,609.24 1,678,609.24 103,329,949,24
3 $15,494,879.21 1,706,328.78 13,788,550.43 89,541,398.81
4 $0.00 1,478,632.94 1,478,632.94 91,020,021.75
5 $0.00 1,503,030.19 1,503,030.19 92,523,081.94
6 $15,494,879.21 1,527,870.66 13,967,008.55 78,556,073.39
7 $0.00 1,297,227.86 1,297,227.86 79,853,301.25
8 $0.00 1,318,649.50 1,318,649.50 81,171,950.76
9 $15,494,879.21 1,340,424.89 14,154,454.32 67,017,496.44
10 $0.00 1,106,686.73 1,106,686.73 68,124,183.17
11 $0.00 1,124,961.89 1,124,961.89 69,249,145.05
12 $15,494,879.21 1,143,538.83 14,351,340.38 54,897,804.68
13 $0.00 906,549.41 906,549.41 55,804,354.08
14 $0.00 921,519.62 921,519.62 56,725,873.70
15 $15,494,879.21 936,737.04 14,558,142.17 42,167,731.54
16 $0.00 696,332.62 696,332.62 42,864,064.15
17 $0.00 707,831.44 707,831.44 43,571,895.59
18 $31,009,878.61 719,520.14 14,775,359.07 28,796,536.52
19 $0.00 475,528.73 475,528.73 29,272,065.25
20 $0.00 483,381.32 483,381.32 29,755,446.57
21 $15,494,879.21 491,363.59 15,003,515.62 14,751,930.95
22 $0.00 243,604.54 243,604.54 14,995,535.49
23 $0.00 247,627.28 247,627.28 15,243,162.77
24 $15,494,879.21 251,716.44 15,243,162.77
$123,959,033.68

PUNTO TRES
Resuelva los siguientes ejercicios:
1. La tasa equivalente de 22.64% EA es:
20% MV 20.26% MA 20% BA 21.49%SV 19.80% TA

RTA/ 19.80 TA

2. Por cuánto tiempo deben colocarse $10.000.000 para que bajo una tasa del 24%MV se
reciban$14.282.462,4758
Respuesta 1 18 MESES
(10000000*0.024)*18
(240000*18)
 4.320.000 Préstamo 10.000,000 total 14.320.000

3. ¿A qué tasa de interés mensual vencida (simple y compuesta) deben colocarse

$15.000.000 para que al cabo de 18 meses se reciban $23.100.000? redondee su
respuesta a 2 decimales.
Respuesta 1 0.03
Respuesta 2 0.03

(15000000*0.03)*18
(450000*18)
8,100,000 Prestamo 15,000,000 total 23,100,000

4. Duranteañoy mediose hacen depósitos pormes vencido de$16.500 (expresada

en miles de pesos) cada uno, en una institución de ahorro que paga un interés del 1.8%
mensual. Calcular la suma total acumulada en la cuenta de ahorros al final de este
tiempo.
Respuesta 1 21,846,000.00

(16500000*0,018) *18
(297000*18)

5,346,000 Préstamo 16,500,000 total 21,846,000

5. Hallar el valor de contado de un artículo que a crédito se adquiere con 36 cuotas de

$125.000 cada una por mes vencido, sabiendo que se cobra un interés del 2.5%
mensual.
Respuesta 1 237,500.00