i en año 1 8.
70% semestral
i en año 1 1.40% mensual
i en año 2 4.90% trimestral
i en año 2 1.61% mensual
A $ 2,100,000.00
F en 12 $ 27,233,976.76
F en 24 $ 60,528,733.86
im 3.00% mensual venta diaria $ 715,000.00
id 0.0986% diario
0 1 2 3 4
Arriendo $ 990,000.00 $ 990,000.00 $ 990,000.00 $ 990,000.00 $ 990,000.00
Seguro $ 500,000.00
Mano de obra $ 2,500,000.00 $ 2,500,000.00 $ 2,500,000.00 $ 2,500,000.00
Alimentos $ 13,942,000.00 $ 13,942,000.00 $ 13,942,000.00 $ 13,942,000.00
Ventas $ 21,450,000.00 $ 21,450,000.00 $ 21,450,000.00 $ 21,450,000.00
5 6 7 8 9
$ 990,000.00 $ 990,000.00 $ 990,000.00 $ 990,000.00 $ 990,000.00
$ 2,500,000.00 $ 2,500,000.00 $ 2,500,000.00 $ 2,500,000.00 $ 2,500,000.00
$ 13,942,000.00 $ 13,942,000.00 $ 13,942,000.00 $ 13,942,000.00 $ 13,942,000.00
$ 21,450,000.00 $ 21,450,000.00 $ 21,450,000.00 $ 21,450,000.00 $ 21,450,000.00
10 11 12 VF en 12
$ 990,000.00 $ 990,000.00 $ 14,471,612.54
$ 712,880.44
$ 2,500,000.00 $ 2,500,000.00 $ 2,500,000.00 $ 35,480,073.90
$ 13,942,000.00 $ 13,942,000.00 $ 13,942,000.00 $ 197,865,276.15
$ 21,450,000.00 $ 21,450,000.00 $ 21,450,000.00 $ 304,419,034.10
TOTAL $ 55,889,191.06
Precio hoy $ 95,000,000.00 tasa alza del 3% anual
camion precio
Precio 12
$ 135,447,284.25
años camion
tasa entidad 4.80% semestral
tasa entidad 9.83% anual
Ahorro anual $ 6,398,827.12
Pago t=0 $ 1,200,000.00 tasa 1.90% mensual
Pago t=8 $ 2,000,000.00
Pago t=12 $ 2,350,000.00
Valor prnt $ 4,795,326.12
pagos mens
$ 450,663.92
equivalentes
Valor $ 85,600,000.00 tasa 15% anual
apartamento
Deposito t=0 $ 2,500,000.00 tasa 7.24% semestral
Deposito
en 5 años $ 3,100,000.00
Deuda en
$ 69,250,898.38
10 años
depositos
$ 2,705,679.82
semestrales
P $ 6,800,000.00
i1 16% anual
i2 18% anual
i3 21% anual
𝑃=𝐴/((1+𝑖1))+𝐴/((1+𝑖1)(1+𝑖2))+𝐴/((1+𝑖1)(1+𝑖2)(1+𝑖3))
𝐴=𝑃∗((1+𝑖1)(1+𝑖2)(1+𝑖3))/((1+𝑖2)(1+𝑖3)+(1+𝑖3)+1)
A $ 3,095,960.86
i1 i2 i3
A A A
ton de carbon
1700000
total
tasa extr anual 170000 ton/año
años de mina 10 años
utilidad por ton $ 80,000.00
utilidad total
anual $ 13,600,000,000.00
tasa rent 22% anual
Pago $ 53,355,306,923.82
tasa 1.33% mensual → 17.18% anual
Periodos Saldo Intereses
0 $ 65,000,000.00
1 $ 62,122,981.59 $ 11,167,529.33
2 $ 58,751,668.00 $ 10,673,234.14
3 $ 54,801,135.27 $ 10,094,015.01
4 $ 50,171,868.85 $ 9,415,281.31
5 $ 44,747,256.76 $ 8,619,935.64
6 $ 38,390,652.14 $ 7,687,943.11
7 $ 30,941,931.08 $ 6,595,826.67
8 $ 22,213,459.08 $ 5,316,075.73
9 $ 11,985,364.51 $ 3,816,453.16
10 $ - $ 2,059,183.23
Abono a
Cuota
deuda
$ 2,877,018.41 $ 14,044,547.73
$ 3,371,313.60 $ 14,044,547.73
$ 3,950,532.73 $ 14,044,547.73
$ 4,629,266.42 $ 14,044,547.73
$ 5,424,612.09 $ 14,044,547.73
$ 6,356,604.62 $ 14,044,547.73
$ 7,448,721.06 $ 14,044,547.73
$ 8,728,472.00 $ 14,044,547.73
$ 10,228,094.57 $ 14,044,547.73
$ 11,985,364.51 $ 14,044,547.73
Total articulo $ 585,000.00
tasa 7% trimestal → 2.28% mensual
Ultimo pago $ 42,544.30
t=28 en t=0
Valor a pagar
$ 425,455.70
en cuotas
Valor P en
t=7 $ 498,214.65
A $ 34,058.37
tasa 8.89% semestral → 1.43% mensual
Prestamo $ 1,983,718.00
0
1 0.9859056
𝑃=∑_(𝑖=1)^6▒𝐴/ 〖 (1+𝑖𝑚) 〗 ^𝑖 +∑_(𝑖=7)^12▒2𝐴/ 〖 (1+𝑖𝑚) 〗 ^𝑖
2 0.97200985
3 0.95830996
4 0.94480315
𝑃=𝐴(∑_(𝑖=1)^6▒1/(1+𝑖𝑚)^𝑖 +∑_(𝑖=7)^12▒2/(1+𝑖𝑚)^𝑖 )
5 0.93148672
6 0.91835798
7 1.81082854
𝐴=𝑃/((∑_(𝑖=1)^6▒1/(1+𝑖𝑚)^𝑖 +∑_(𝑖=7)^12▒2/(1+𝑖𝑚)^𝑖 ) ) 8 1.785306
9 1.76014319
10 1.73533503
A $ 122,450.78 11 1.71087652
12 1.68676274
Mensualidad $ 1,299,929.00 mensual
n 12 meses
tasa 17.94% anual → 1.38% mensual
Capital a t=6 $ 14,281,492.34
Capital a t=0 $ 5,306,483.90
Salario $ 1,997,997.00 t 90 meses
Ahorro men $ 359,639.46
tasa 1.84% mensual
Cuenta
t=7,5 años $ 81,311,058.11
Cuenta
$ 90,711,000.39
t=8 años
im1 (de t=1 a t=14) 4.06% trimestral → 1.34% mensual
im2 (de t=15 a t=24) 17.45% anual → 1.35% mensual
P $ 1,654,423.00
𝑃=∑_(𝑛=1)^12▒𝐴/ 〖 (1+𝑖𝑚1) 〗 ^𝑛 +∑_(𝑛=13)^14▒2𝐴/ 〖 (1+𝑖𝑚1) 〗 ^𝑛 +∑_(𝑛=15)^24
A $ 55,562.82
Valores de interes de cada mes
0 𝐴=𝑃/((∑_(𝑛=1)^12▒1/(1+𝑖𝑚1)^𝑛 +∑_(𝑛=13)^14▒2/(1+𝑖𝑚1)^𝑛 +∑_(𝑛=15)^24▒
1 0.9868217799
2 0.9738172254
3 0.9609840477
4 0.9483199884
5 0.9358228189
6 0.9234903399
7 0.9113203809
8 0.8993108004
9 0.8874594848
10 0.8757643484
11 0.8642233331
12 0.8528344078
13 1.6831911366
14 1.6610096734
15 1.6357379109
16 1.6139595061
17 1.5924710616
18 1.5712687168
19 1.5503486624
20 1.5297071401
21 1.5093404414
22 1.4892449072
23 1.4694169274
24 1.4498529396
1+𝑖𝑚1) 〗 ^𝑛 +∑_(𝑛=15)^24▒2𝐴/ 〖 (1+𝑖𝑚2) 〗 ^𝑛
▒2/(1+𝑖𝑚1)^𝑛 +∑_(𝑛=15)^24▒2/(1+𝑖𝑚2)^𝑛 ) )
P $ 14,000,000.00
Tasa 10% anual
A $ 3,693,164.73
