Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II

Unidad III Respuestas a los problemas de actividad 2

[1]
1 Transacción Inversión o ahorro
Tasa 0.0033 Tasa más unidad 1.0033
Tipo Depósitos trimestrales Potencia 1.057605762
Periodos 17 Potencia - 1 0.057605762
Factor de Int 17.45629147
Anualidad 50,000.00
VF 872,814.57

Tabla de Fondo de Amortización

Tasa 0.0033

Periodo Saldo inicial Interes Ganados Depositos al final Saldo Final

1 0 50,000.00 50,000.00
2 50,000.00 165.00 50,000.00 100,165.00
3 100,165.00 330.54 50,000.00 150,495.54
4 150,495.54 496.64 50,000.00 200,992.18
5 200,992.18 663.27 50,000.00 251,655.45
6 251,655.45 830.46 50,000.00 302,485.92
7 302,485.92 998.20 50,000.00 353,484.12
8 353,484.12 1166.50 50,000.00 404,650.62
9 404,650.62 1335.35 50,000.00 455,985.97
10 455,985.97 1504.75 50,000.00 507,490.72
11 507,490.72 1674.72 50,000.00 559,165.44
12 559,165.44 1845.25 50,000.00 611,010.68
13 611,010.68 2016.34 50,000.00 663,027.02
14 663,027.02 2187.99 50,000.00 715,215.01
15 715,215.01 2360.21 50,000.00 767,575.22
16 767,575.22 2533.00 50,000.00 820,108.22
17 820,108.22 2706.36 50,000.00 872,814.57
22,814.57 850,000.00

Suma de intereses ganados y anualidades es igual al valor final

$ 872,814.57 VF

1
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[2]
Tabla de Fondo de Amortización
Valor
Periodos Depósitos Intereses D+I Final
1 8,556.08 0.00 8,556.08 8,556.08
2 8,556.08 60.61 8,616.69 17,172.77
3 8,556.08 121.64 8,677.72 25,850.49
4 8,556.08 183.11 8,739.19 34,589.67
5 8,556.08 245.01 8,801.09 43,390.76
6 8,556.08 307.35 8,863.43 52,254.19
7 8,556.08 370.13 8,926.21 61,180.40
8 8,556.08 433.36 8,989.44 70,169.84
9 8,556.08 497.03 9,053.11 79,222.96
10 8,556.08 561.16 9,117.24 88,340.20
11 8,556.08 625.74 9,181.82 97,522.02
12 8,556.08 690.78 9,246.86 106,768.87
13 8,556.08 756.28 9,312.36 116,081.23
14 8,556.08 822.24 9,378.32 125,459.55
15 8,556.08 888.67 9,444.75 134,904.30
16 8,556.08 955.57 9,511.65 144,415.94
17 8,556.08 1,022.94 9,579.02 153,994.96
18 8,556.08 1,090.79 9,646.87 163,641.84
19 8,556.08 1,159.12 9,715.20 173,357.04
20 8,556.08 1,227.94 9,784.02 183,141.06
21 8,556.08 1,297.24 9,853.32 192,994.38
22 8,556.08 1,367.04 9,923.12 202,917.50
23 8,556.08 1,437.33 9,993.41 212,910.91
24 8,556.08 1,508.11 10,064.19 222,975.10
25 8,556.08 1,579.40 10,135.48 233,110.58
26 8,556.08 1,651.19 10,207.27 243,317.85
27 8,556.08 1,723.49 10,279.57 253,597.42
28 8,556.08 1,796.31 10,352.39 263,949.81
29 8,556.08 1,869.64 10,425.72 274,375.53
30 8,556.08 1,943.48 10,499.56 284,875.09
31 8,556.08 2,017.86 10,573.94 295,449.03
32 8,556.08 2,092.75 10,648.83 306,097.86
33 8,556.08 2,168.18 10,724.26 316,822.12
34 8,556.08 2,244.15 10,800.23 327,622.35
35 8,556.08 2,320.65 10,876.73 338,499.08
36 8,556.08 2,397.69 10,953.77 349,452.85
37 8,556.08 2,475.28 11,031.36 360,484.21
38 8,556.08 2,553.42 11,109.50 371,593.70
39 8,556.08 2,632.11 11,188.19 382,781.89
40 8,556.08 2,711.36 11,267.44 394,049.33

2
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

41 8,556.08 2,791.17 11,347.25 405,396.58

42 8,556.08 2,871.55 11,427.63 416,824.21
43 8,556.08 2,952.49 11,508.57 428,332.78
44 8,556.08 3,034.01 11,590.09 439,922.87
45 8,556.08 3,116.11 11,672.19 451,595.05
46 8,556.08 3,198.78 11,754.86 463,349.92
47 8,556.08 3,282.05 11,838.13 475,188.04
48 8,556.08 3,365.90 11,921.98 487,110.02
49 8,556.08 3,450.35 12,006.43 499,116.45
50 8,556.08 3,535.39 12,091.47 511,207.92
51 8,556.08 3,621.04 12,177.12 523,385.04
52 8,556.08 3,707.29 12,263.37 535,648.41
53 8,556.08 3,794.16 12,350.24 547,998.65
54 8,556.08 3,881.64 12,437.72 560,436.37
55 8,556.08 3,969.74 12,525.82 572,962.19
56 8,556.08 4,058.46 12,614.54 585,576.73
57 8,556.08 4,147.82 12,703.90 598,280.63
58 8,556.08 4,237.80 12,793.88 611,074.51
59 8,556.08 4,328.42 12,884.50 623,959.01
60 8,556.08 4,419.69 12,975.77 636,934.78
61 8,556.08 4,511.60 13,067.68 650,002.46
62 8,556.08 4,604.16 13,160.24 663,162.71
63 8,556.08 4,697.38 13,253.46 676,416.17
64 8,556.08 4,791.26 13,347.34 689,763.50
65 8,556.08 4,885.80 13,441.88 703,205.39
66 8,556.08 4,981.01 13,537.09 716,742.48
67 8,556.08 5,076.90 13,632.98 730,375.46
68 8,556.08 5,173.47 13,729.55 744,105.01
69 8,556.08 5,270.72 13,826.80 757,931.81
70 8,556.08 5,368.66 13,924.74 771,856.55
71 8,556.08 5,467.29 14,023.37 785,879.92
72 8,556.08 5,566.00 14,122.08 800,000.00

616,037.76 183,964.24 800,000.00

3
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[3]
Tabla de Fondo de Amortización
Valor
Periodos Depósitos Intereses D+I Final

1 20,000.00 0 20,000.00 20,000.00

2 20,000.00 2500 22,500 42,500
3 20,000.00 5312.5 25,313 67,813
4 20,000.00 8476.5625 28,477 96,289
5 20,000.00 12036.1328 32,036 128,325

TOTAL 100,000.00 28325.1953 128,325.20

4
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[4]
Tabla de Fondo de Amortización
Valor
Periodos Depósitos Intereses D+I Final

1 17,000.00 0 17,000.00 17,000.00

2 17,000.00 510.00 17,510.00 34,510.00
3 17,000.00 1,035.30 18,035.30 52,545.30
4 17,000.00 1,576.36 18,576.36 71,121.66
5 17,000.00 2,133.65 19,133.65 90,255.31
6 17,000.00 2,707.66 19,707.66 109,962.97
7 17,000.00 3,298.89 20,298.89 130,261.86
8 17,000.00 3,907.86 20,907.86 151,169.71
9 17,000.00 4,535.09 21,535.09 172,704.80
10 17,000.00 5,181.14 22,181.14 194,885.95
11 17,000.00 5,846.58 22,846.58 217,732.53
12 17,000.00 6,531.98 23,531.98 241,264.50
13 17,000.00 7,237.94 24,237.94 265,502.44
14 17,000.00 7,965.07 24,965.07 290,467.51
15 17,000.00 8,714.03 25,714.03 316,181.54
16 17,000.00 9,485.45 26,485.45 342,666.98
17 17,000.00 10,280.01 27,280.01 369,946.99
18 17,000.00 11,098.41 28,098.41 398,045.40
19 17,000.00 11,941.36 28,941.36 426,986.76
20 17,000.00 12,809.60 29,809.60 456,796.37
21 17,000.00 13,703.89 30,703.89 487,500.26
22 17,000.00 14,625.01 31,625.01 519,125.27
23 17,000.00 15,573.76 32,573.76 551,699.02
24 17,000.00 16,550.97 33,550.97 585,249.99
25 17,000.00 17,557.50 34,557.50 619,807.49
26 17,000.00 18,594.22 35,594.22 655,401.72
27 17,000.00 19,662.05 36,662.05 692,063.77
28 17,000.00 20,761.91 37,761.91 729,825.68
29 17,000.00 21,894.77 38,894.77 768,720.45
30 17,000.00 23,061.61 40,061.61 808,782.07
31 17,000.00 24,263.46 41,263.46 850,045.53
32 17,000.00 25,501.37 42,501.37 892,546.89
33 17,000.00 26,776.41 43,776.41 936,323.30
34 17,000.00 28,089.70 45,089.70 981,413.00
35 17,000.00 29,442.39 46,442.39 1,027,855.39
36 17,000.00 30,835.66 47,835.66 1,075,691.05

TOTAL 612,000.00 463,691.05 1,075,691.05

5
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[5]
Tabla de Fondo de Amortización
Valor
Periodos Depósitos Intereses D+I Final

1 45,255.47 0 45,255.47 45,255.47

2 45,255.47 1,810.22 47,065.69 92,321.16
3 45,255.47 3,692.85 48,948.32 141,269.48
4 45,255.47 5,650.78 50,906.25 192,175.72
5 45,255.47 7,687.03 52,942.50 245,118.22
6 45,255.47 9,804.73 55,060.20 300,178.42
7 45,255.47 12,007.14 57,262.61 357,441.03
8 45,255.47 14,297.64 59,553.11 416,994.14
9 45,255.47 16,679.77 61,935.24 478,929.38
10 45,255.47 19,157.18 64,412.65 543,342.02
11 45,255.47 21,733.68 66,989.15 610,331.17
12 45,255.47 24,413.25 69,668.72 680,000.00

TOTAL 543,065.64 136934.248 680,000

6
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[6]
2 Transacción Compra de bien Periodos 36
Tasa 0.0125 Tasa más unidad 1.0125
Tipo Pagos mensuales Potencia 0.639409158
Fórmula Valor Actual de anualidad Unidad - potencia 0.360590842
vencida u ordinaria Cociente 28.84726737
Años 3 Anualidad 35,000.00
VA 1,009,654.36

Tabla de Amortización de Crédito

Intereses Anualidad o Saldo

Periodo Amortización Pagados Pagos Insoluto
0 1,009,654.36
1 22,379.32 12,620.68 35,000.00 987,275.04
2 22,659.06 12,340.94 35,000.00 964,615.98
3 22,942.30 12,057.70 35,000.00 941,673.68
4 23,229.08 11,770.92 35,000.00 918,444.60
5 23,519.44 11,480.56 35,000.00 894,925.15
6 23,813.44 11,186.56 35,000.00 871,111.72
7 24,111.10 10,888.90 35,000.00 847,000.61
8 24,412.49 10,587.51 35,000.00 822,588.12
9 24,717.65 10,282.35 35,000.00 797,870.47
10 25,026.62 9,973.38 35,000.00 772,843.85
11 25,339.45 9,660.55 35,000.00 747,504.40
12 25,656.19 9,343.81 35,000.00 721,848.21
13 25,976.90 9,023.10 35,000.00 695,871.31
14 26,301.61 8,698.39 35,000.00 669,569.70
15 26,630.38 8,369.62 35,000.00 642,939.32
16 26,963.26 8,036.74 35,000.00 615,976.06
17 27,300.30 7,699.70 35,000.00 588,675.77
18 27,641.55 7,358.45 35,000.00 561,034.21
19 27,987.07 7,012.93 35,000.00 533,047.14
20 28,336.91 6,663.09 35,000.00 504,710.23
21 28,691.12 6,308.88 35,000.00 476,019.11
22 29,049.76 5,950.24 35,000.00 446,969.35
23 29,412.88 5,587.12 35,000.00 417,556.46
24 29,780.54 5,219.46 35,000.00 387,775.92
25 30,152.80 4,847.20 35,000.00 357,623.12
26 30,529.71 4,470.29 35,000.00 327,093.41
27 30,911.33 4,088.67 35,000.00 296,182.07
28 31,297.72 3,702.28 35,000.00 264,884.35
29 31,688.95 3,311.05 35,000.00 233,195.40
30 32,085.06 2,914.94 35,000.00 201,110.35
31 32,486.12 2,513.88 35,000.00 168,624.23
32 32,892.20 2,107.80 35,000.00 135,732.03
33 33,303.35 1,696.65 35,000.00 102,428.68
34 33,719.64 1,280.36 35,000.00 68,709.04
35 34,141.14 858.86 35,000.00 34,567.90
36 34,567.90 432.10 35,000.00 0.00
1,009,654.36 250,345.64 1,260,000.00

Resta de intereses pagados y anualidades es igual al valor actual

$ 1,009,654.36 VA
Valor actual es igual a valor presente es igual a capital inicial

7
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[7]
TABLA DE AMORTIZACIÓN DE CRÉDITO
Tasa 0.0112 G
$ 200
Saldo
Periodo Amortización Intereses Pagos Insoluto
0 33,275.42
1 38.77 372.68 411.45 33,236.65
2 239.20 372.25 611.45 32,997.46
3 441.88 369.57 811.45 32,555.58
4 646.83 364.62 1,011.45 31,908.75
5 854.07 357.38 1,211.45 31,054.68
6 1,063.64 347.81 1,411.45 29,991.04
7 1,275.55 335.90 1,611.45 28,715.49
8 1,489.84 321.61 1,811.45 27,225.65
9 1,706.52 304.93 2,011.45 25,519.13
10 1,925.64 285.81 2,211.45 23,593.49
11 2,147.20 264.25 2,411.45 21,446.29
12 2,371.25 240.20 2,611.45 19,075.04
13 2,597.81 213.64 2,811.45 16,477.23
14 2,826.91 184.54 3,011.45 13,650.33
15 3,058.57 152.88 3,211.45 10,591.76
16 3,292.82 118.63 3,411.45 7,298.94
17 3,529.70 81.75 3,611.45 3,769.23
18 3,769.23 42.22 3,811.45 0.00
33,275.42 4,730.68 38,006.10

8
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[8]
4 Transacción Inversión Periodos 69.00271
Tasa 0.0075 Unidad 1
Tipo Depositos bimestrales Monto o Valor Final 89,950.00
Fórmula Valor para calcular el Tasa 0.0075
plazo o tiempo Valor Final por tasa 674.63
Anualidad o Renta 1,000.00
Cociente 0.6746250
Unidad más cociente 1.6746250
Numerador 1.6746250
Logaritmo del numerador 0.22391757

Unidad más tasa 1.0075

Logaritmo del denominador 0.00324505

Tabla de Fondo de Amortización

Saldo al Intereses Anualidad o Valor

Periodo inicio Ganados Renta Final

1 0.00 1,000.00 1,000.00

2 1,000.00 7.50 1,000.00 2,007.50
3 2,007.50 15.06 1,000.00 3,022.56
4 3,022.56 22.67 1,000.00 4,045.23
5 4,045.23 30.34 1,000.00 5,075.56
6 5,075.56 38.07 1,000.00 6,113.63
7 6,113.63 45.85 1,000.00 7,159.48
8 7,159.48 53.70 1,000.00 8,213.18
9 8,213.18 61.60 1,000.00 9,274.78
10 9,274.78 69.56 1,000.00 10,344.34
11 10,344.34 77.58 1,000.00 11,421.92
12 11,421.92 85.66 1,000.00 12,507.59
13 12,507.59 93.81 1,000.00 13,601.39
14 13,601.39 102.01 1,000.00 14,703.40
15 14,703.40 110.28 1,000.00 15,813.68
16 15,813.68 118.60 1,000.00 16,932.28
17 16,932.28 126.99 1,000.00 18,059.27
18 18,059.27 135.44 1,000.00 19,194.72
19 19,194.72 143.96 1,000.00 20,338.68
20 20,338.68 152.54 1,000.00 21,491.22
21 21,491.22 161.18 1,000.00 22,652.40
22 22,652.40 169.89 1,000.00 23,822.30
23 23,822.30 178.67 1,000.00 25,000.96
24 25,000.96 187.51 1,000.00 26,188.47
25 26,188.47 196.41 1,000.00 27,384.88
26 27,384.88 205.39 1,000.00 28,590.27
27 28,590.27 214.43 1,000.00 29,804.70
28 29,804.70 223.54 1,000.00 31,028.23
29 31,028.23 232.71 1,000.00 32,260.94
30 32,260.94 241.96 1,000.00 33,502.90
31 33,502.90 251.27 1,000.00 34,754.17
32 34,754.17 260.66 1,000.00 36,014.83
33 36,014.83 270.11 1,000.00 37,284.94
34 37,284.94 279.64 1,000.00 38,564.58
35 38,564.58 289.23 1,000.00 39,853.81
36 39,853.81 298.90 1,000.00 41,152.72
37 41,152.72 308.65 1,000.00 42,461.36
38 42,461.36 318.46 1,000.00 43,779.82
39 43,779.82 328.35 1,000.00 45,108.17
40 45,108.17 338.31 1,000.00 46,446.48
41 46,446.48 348.35 1,000.00 47,794.83
42 47,794.83 358.46 1,000.00 49,153.29
43 49,153.29 368.65 1,000.00 50,521.94
44 50,521.94 378.91 1,000.00 51,900.86
45 51,900.86 389.26 1,000.00 53,290.11
46 53,290.11 399.68 1,000.00 54,689.79
47 54,689.79 410.17 1,000.00 56,099.96
48 56,099.96 420.75 1,000.00 57,520.71

9
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

49 57,520.71 431.41 1,000.00 58,952.12

50 58,952.12 442.14 1,000.00 60,394.26
51 60,394.26 452.96 1,000.00 61,847.21
52 61,847.21 463.85 1,000.00 63,311.07
53 63,311.07 474.83 1,000.00 64,785.90
54 64,785.90 485.89 1,000.00 66,271.80
55 66,271.80 497.04 1,000.00 67,768.83
56 67,768.83 508.27 1,000.00 69,277.10
57 69,277.10 519.58 1,000.00 70,796.68
58 70,796.68 530.98 1,000.00 72,327.65
59 72,327.65 542.46 1,000.00 73,870.11
60 73,870.11 554.03 1,000.00 75,424.14
61 75,424.14 565.68 1,000.00 76,989.82
62 76,989.82 577.42 1,000.00 78,567.24
63 78,567.24 589.25 1,000.00 80,156.50
64 80,156.50 601.17 1,000.00 81,757.67
65 81,757.67 613.18 1,000.00 83,370.85
66 83,370.85 625.28 1,000.00 84,996.13
67 84,996.13 637.47 1,000.00 86,633.60
68 86,633.60 649.75 1,000.00 88,283.36
69 88,283.36 662.13 1,004.52 89,950.00
20,945.48 69,004.52

Suma de intereses ganados y anualidades es igual al valor final

89,950.00 VF

10
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[9]
5 Transacción Deuda Periodos 8
Tasa 0.02333333 VA 250,000.00
Tipo Pagos mensuales % de increm 0.085
Fórmula Primer abono de la anualidad % increm - Tasa 0.0616667
vencida u ordinaria Numerador 15,416.67
% de 0.085
incremento Unidad 1
Unidad + % inc 1.085
Potencia A 1.92060434
Unidad 1
Unidad + tasa 1.023333333
Potencia B 0.83150149
Denominador 0.59698538

Gradiente geométrico Primer abono 25,824.19

Tabla de Amortización de Crédito

Intereses Anualidad o Saldo

Periodo Amortización Pagados Pagos Insoluto
0 250,000.00
1 19,990.86 5,833.33 25,824.19 230,009.14
2 22,652.37 5,366.88 28,019.25 207,356.77
3 25,562.56 4,838.32 30,400.89 181,794.20
4 28,743.10 4,241.86 32,984.96 153,051.11
5 32,217.49 3,571.19 35,788.69 120,833.61
6 36,011.27 2,819.45 38,830.72 84,822.34
7 40,152.15 1,979.19 42,131.33 44,670.19
8 44,670.19 1,042.30 45,712.50 0.00
29,692.54 279,692.54

Resta de intereses pagados y anualidades es igual al valor actual

250,000.00 VA

11
Instituto Politécnico Nacional Unidad de Aprendizaje: Matemáticas Financieras Nivel: II
Unidad III Respuestas a los problemas de actividad 2

[10]
Tabla de Amortización de Préstamo
Tasa 0.02083333

Intereses Pago Saldo

Mes Amortización a cargo al final/mes Insoluto
0 70,000.00 VA
1 8,633.77 1,458.33 10,092.10 61,366.23
2 9,813.64 1,278.46 11,092.10 51,552.60
3 11,018.09 1,074.01 12,092.10 40,534.51
4 12,247.63 844.47 13,092.10 28,286.88
5 13,502.79 589.31 14,092.10 14,784.09
6 14,784.09 308.01 15,092.10 0.00
70,000.00 5,552.60 75,552.60

12