m

er as
co
eH w
o.
rs e
ou urc
o
aC s
vi y re
ed d
ar stu
is
Th
sh

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 MATEMÁTICAS FINANCIERAS
UNIDAD 4. AMORTIZACIONES
ACTIVIDAD 7. RESOLUCIÓN DE PROBLEMAS

Datos de identificación

Nombre(s) estudiante(s) David Solorzano Lopez, 890104148

Andrea Guadalupe Jiménez Cobian, 619388
Elizabeth Rodríguez Fuentes, 480086896
Nombre docente Karina Elizabeth González Núñez
Fecha 04 de Octubre del 2020
Instrucciones:

m
er as
1. Resolver los siguientes problemas realizando los cálculos y operaciones que correspondan. Realizar

co
eH w
todos los cálculos y operaciones en una hoja de Excel e integrar los resultados en este documento;

o.
puedes integrar los cálculos de la hoja de Excel al final de este documento, o enviar ambos archivos
rs e
ou urc
(el de Excel y este Word) en la plataforma de Blackboard.
o

Problema A.
aC s

Una pareja de recién casada desea comprar un departamento con valor de $3, 800,000. El crédito
vi y re

hipotecario que solicitaron consiste en un enganche de $760,000. El financiamiento es a 15 años con

pagos mensuales vencidos y causa un interés nominal de 9.60%, capitalizable mensualmente.
ed d

**Considerar que los créditos hipotecarios para adquisición de casa-habitación no son sujetos del pago
ar stu

del IVA.
Con la información anterior:
¿Cuánto deberán pagar mensualmente?
is


Th

R= $ 31,928.125
 Elaborar la tabla de amortización correspondiente a los primeros 6 meses
sh

Costo original del activo $ 3,800,000.00

Enganche $ 760,000.00
Financiamiento (años) 15
Interés nominal 9.60% capitalizable mensualmente

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 Saldo insoluto $ 3,040,000.00

Interés nominal (mensual) 0.80%

0.008
Financiamiento (años x meses) 180

Tabla de amortización
PERIOD
RENTA MENSUAL INTERESES AMORTIZACIÒN SALDO INSOLUTO
O
0 $ 3,040,000.00
1 $ 31,928.12 $ 24,320.00 $ 7,608.12 $ 3,032,391.88
2 $ 31,928.12 $ 24,259.14 $ 7,668.99 $ 3,024,722.89
3 $ 31,928.12 $ 24,197.78 $ 7,730.34 $ 3,016,992.54

m
4 $ 31,928.12 $ 24,135.94 $ 7,792.18 $ 3,009,200.36

er as
5 $ 31,928.12 $ 24,073.60 $ 7,854.52 $ 3,001,345.84

co
6 $ 31,928.12 $ 24,010.77 $ 7,917.36 $ 2,993,428.48

eH w
7 $ 31,928.12 $ 23,947.43 $ 7,980.70 $ 2,985,447.78

o.
8 $ 31,928.12 $ 23,883.58 $ 8,044.54 $ 2,977,403.24
9 $ rs e
31,928.12 $ 23,819.23 $ 8,108.90 $ 2,969,294.34
ou urc
10 $ 31,928.12 $ 23,754.35 $ 8,173.77 $ 2,961,120.57
11 $ 31,928.12 $ 23,688.96 $ 8,239.16 $ 2,952,881.41
12 $ 31,928.12 $ 23,623.05 $ 8,305.07 $ 2,944,576.34
o

13 $ 31,928.12 $ 23,556.61 $ 8,371.51 $ 2,936,204.82

aC s

14 $ 31,928.12 $ 23,489.64 $ 8,438.49 $ 2,927,766.34

vi y re

15 $ 31,928.12 $ 23,422.13 $ 8,505.99 $ 2,919,260.34

16 $ 31,928.12 $ 23,354.08 $ 8,574.04 $ 2,910,686.30
17 $ 31,928.12 $ 23,285.49 $ 8,642.63 $ 2,902,043.66
ed d

18 $ 31,928.12 $ 23,216.35 $ 8,711.78 $ 2,893,331.89

ar stu

19 $ 31,928.12 $ 23,146.66 $ 8,781.47 $ 2,884,550.42

20 $ 31,928.12 $ 23,076.40 $ 8,851.72 $ 2,875,698.70
21 $ 31,928.12 $ 23,005.59 $ 8,922.54 $ 2,866,776.16
is

22 $ 31,928.12 $ 22,934.21 $ 8,993.92 $ 2,857,782.25

23 $ 31,928.12 $ 22,862.26 $ 9,065.87 $ 2,848,716.38
Th

24 $ 31,928.12 $ 22,789.73 $ 9,138.39 $ 2,839,577.99

25 $ 31,928.12 $ 22,716.62 $ 9,211.50 $ 2,830,366.48
26 $ 31,928.12 $ 22,642.93 $ 9,285.19 $ 2,821,081.29
sh

27 $ 31,928.12 $ 22,568.65 $ 9,359.47 $ 2,811,721.82

28 $ 31,928.12 $ 22,493.77 $ 9,434.35 $ 2,802,287.47
29 $ 31,928.12 $ 22,418.30 $ 9,509.83 $ 2,792,777.64
30 $ 31,928.12 $ 22,342.22 $ 9,585.90 $ 2,783,191.74
31 $ 31,928.12 $ 22,265.53 $ 9,662.59 $ 2,773,529.15
32 $ 31,928.12 $ 22,188.23 $ 9,739.89 $ 2,763,789.25

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 33 $ 31,928.12 $ 22,110.31 $ 9,817.81 $ 2,753,971.44
34 $ 31,928.12 $ 22,031.77 $ 9,896.35 $ 2,744,075.09
35 $ 31,928.12 $ 21,952.60 $ 9,975.52 $ 2,734,099.57
36 $ 31,928.12 $ 21,872.80 $ 10,055.33 $ 2,724,044.24
37 $ 31,928.12 $ 21,792.35 $ 10,135.77 $ 2,713,908.47
38 $ 31,928.12 $ 21,711.27 $ 10,216.86 $ 2,703,691.61
39 $ 31,928.12 $ 21,629.53 $ 10,298.59 $ 2,693,393.02
40 $ 31,928.12 $ 21,547.14 $ 10,380.98 $ 2,683,012.04
41 $ 31,928.12 $ 21,464.10 $ 10,464.03 $ 2,672,548.01
42 $ 31,928.12 $ 21,380.38 $ 10,547.74 $ 2,662,000.27
43 $ 31,928.12 $ 21,296.00 $ 10,632.12 $ 2,651,368.14
44 $ 31,928.12 $ 21,210.95 $ 10,717.18 $ 2,640,650.97
45 $ 31,928.12 $ 21,125.21 $ 10,802.92 $ 2,629,848.05
46 $ 31,928.12 $ 21,038.78 $ 10,889.34 $ 2,618,958.71

m
47 $ 31,928.12 $ 20,951.67 $ 10,976.46 $ 2,607,982.25

er as
48 $ 31,928.12 $ 20,863.86 $ 11,064.27 $ 2,596,917.99

co
49 $ 31,928.12 $ 20,775.34 $ 11,152.78 $ 2,585,765.20

eH w
50 $ 31,928.12 $ 20,686.12 $ 11,242.00 $ 2,574,523.20

o.
51 $ 31,928.12 $ 20,596.19 $ 11,331.94 $ 2,563,191.26
52 $
rs e
31,928.12 $ 20,505.53 $ 11,422.59 $ 2,551,768.67
ou urc
53 $ 31,928.12 $ 20,414.15 $ 11,513.98 $ 2,540,254.69
54 $ 31,928.12 $ 20,322.04 $ 11,606.09 $ 2,528,648.60
55 $ 31,928.12 $ 20,229.19 $ 11,698.94 $ 2,516,949.67
o

56 $ 31,928.12 $ 20,135.60 $ 11,792.53 $ 2,505,157.14

aC s

57 $ 31,928.12 $ 20,041.26 $ 11,886.87 $ 2,493,270.27

vi y re

58 $ 31,928.12 $ 19,946.16 $ 11,981.96 $ 2,481,288.31

59 $ 31,928.12 $ 19,850.31 $ 12,077.82 $ 2,469,210.49
60 $ 31,928.12 $ 19,753.68 $ 12,174.44 $ 2,457,036.05
ed d

61 $ 31,928.12 $ 19,656.29 $ 12,271.84 $ 2,444,764.21

ar stu

62 $ 31,928.12 $ 19,558.11 $ 12,370.01 $ 2,432,394.20

63 $ 31,928.12 $ 19,459.15 $ 12,468.97 $ 2,419,925.23
64 $ 31,928.12 $ 19,359.40 $ 12,568.72 $ 2,407,356.51
is

65 $ 31,928.12 $ 19,258.85 $ 12,669.27 $ 2,394,687.24

66 $ 31,928.12 $ 19,157.50 $ 12,770.63 $ 2,381,916.61
Th

67 $ 31,928.12 $ 19,055.33 $ 12,872.79 $ 2,369,043.82

68 $ 31,928.12 $ 18,952.35 $ 12,975.77 $ 2,356,068.04
69 $ 31,928.12 $ 18,848.54 $ 13,079.58 $ 2,342,988.46
sh

70 $ 31,928.12 $ 18,743.91 $ 13,184.22 $ 2,329,804.24

71 $ 31,928.12 $ 18,638.43 $ 13,289.69 $ 2,316,514.55
72 $ 31,928.12 $ 18,532.12 $ 13,396.01 $ 2,303,118.54
73 $ 31,928.12 $ 18,424.95 $ 13,503.18 $ 2,289,615.37
74 $ 31,928.12 $ 18,316.92 $ 13,611.20 $ 2,276,004.17
75 $ 31,928.12 $ 18,208.03 $ 13,720.09 $ 2,262,284.07

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 76 $ 31,928.12 $ 18,098.27 $ 13,829.85 $ 2,248,454.22
77 $ 31,928.12 $ 17,987.63 $ 13,940.49 $ 2,234,513.73
78 $ 31,928.12 $ 17,876.11 $ 14,052.02 $ 2,220,461.72
79 $ 31,928.12 $ 17,763.69 $ 14,164.43 $ 2,206,297.28
80 $ 31,928.12 $ 17,650.38 $ 14,277.75 $ 2,192,019.54
81 $ 31,928.12 $ 17,536.16 $ 14,391.97 $ 2,177,627.57
82 $ 31,928.12 $ 17,421.02 $ 14,507.10 $ 2,163,120.47
83 $ 31,928.12 $ 17,304.96 $ 14,623.16 $ 2,148,497.30
84 $ 31,928.12 $ 17,187.98 $ 14,740.15 $ 2,133,757.16
85 $ 31,928.12 $ 17,070.06 $ 14,858.07 $ 2,118,899.09
86 $ 31,928.12 $ 16,951.19 $ 14,976.93 $ 2,103,922.16
87 $ 31,928.12 $ 16,831.38 $ 15,096.75 $ 2,088,825.41
88 $ 31,928.12 $ 16,710.60 $ 15,217.52 $ 2,073,607.89
89 $ 31,928.12 $ 16,588.86 $ 15,339.26 $ 2,058,268.63

m
90 $ 31,928.12 $ 16,466.15 $ 15,461.98 $ 2,042,806.65

er as
91 $ 31,928.12 $ 16,342.45 $ 15,585.67 $ 2,027,220.98

co
92 $ 31,928.12 $ 16,217.77 $ 15,710.36 $ 2,011,510.62

eH w
93 $ 31,928.12 $ 16,092.08 $ 15,836.04 $ 1,995,674.58

o.
94 $ 31,928.12 $ 15,965.40 $ 15,962.73 $ 1,979,711.85
95 $
rs e
31,928.12 $ 15,837.69 $ 16,090.43 $ 1,963,621.42
ou urc
96 $ 31,928.12 $ 15,708.97 $ 16,219.15 $ 1,947,402.27
97 $ 31,928.12 $ 15,579.22 $ 16,348.91 $ 1,931,053.36
98 $ 31,928.12 $ 15,448.43 $ 16,479.70 $ 1,914,573.67
o

99 $ 31,928.12 $ 15,316.59 $ 16,611.54 $ 1,897,962.13

aC s

100 $ 31,928.12 $ 15,183.70 $ 16,744.43 $ 1,881,217.70

vi y re

101 $ 31,928.12 $ 15,049.74 $ 16,878.38 $ 1,864,339.32

102 $ 31,928.12 $ 14,914.71 $ 17,013.41 $ 1,847,325.91
103 $ 31,928.12 $ 14,778.61 $ 17,149.52 $ 1,830,176.39
ed d

104 $ 31,928.12 $ 14,641.41 $ 17,286.71 $ 1,812,889.68

ar stu

105 $ 31,928.12 $ 14,503.12 $ 17,425.01 $ 1,795,464.67

106 $ 31,928.12 $ 14,363.72 $ 17,564.41 $ 1,777,900.26
107 $ 31,928.12 $ 14,223.20 $ 17,704.92 $ 1,760,195.34
is

108 $ 31,928.12 $ 14,081.56 $ 17,846.56 $ 1,742,348.78

109 $ 31,928.12 $ 13,938.79 $ 17,989.33 $ 1,724,359.44
Th

110 $ 31,928.12 $ 13,794.88 $ 18,133.25 $ 1,706,226.19

111 $ 31,928.12 $ 13,649.81 $ 18,278.32 $ 1,687,947.88
112 $ 31,928.12 $ 13,503.58 $ 18,424.54 $ 1,669,523.34
sh

113 $ 31,928.12 $ 13,356.19 $ 18,571.94 $ 1,650,951.40

114 $ 31,928.12 $ 13,207.61 $ 18,720.51 $ 1,632,230.88
115 $ 31,928.12 $ 13,057.85 $ 18,870.28 $ 1,613,360.61
116 $ 31,928.12 $ 12,906.88 $ 19,021.24 $ 1,594,339.37
117 $ 31,928.12 $ 12,754.71 $ 19,173.41 $ 1,575,165.96
118 $ 31,928.12 $ 12,601.33 $ 19,326.80 $ 1,555,839.16

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 119 $ 31,928.12 $ 12,446.71 $ 19,481.41 $ 1,536,357.75
120 $ 31,928.12 $ 12,290.86 $ 19,637.26 $ 1,516,720.48
121 $ 31,928.12 $ 12,133.76 $ 19,794.36 $ 1,496,926.12
122 $ 31,928.12 $ 11,975.41 $ 19,952.72 $ 1,476,973.41
123 $ 31,928.12 $ 11,815.79 $ 20,112.34 $ 1,456,861.07
124 $ 31,928.12 $ 11,654.89 $ 20,273.24 $ 1,436,587.83
125 $ 31,928.12 $ 11,492.70 $ 20,435.42 $ 1,416,152.41
126 $ 31,928.12 $ 11,329.22 $ 20,598.91 $ 1,395,553.51
127 $ 31,928.12 $ 11,164.43 $ 20,763.70 $ 1,374,789.81
128 $ 31,928.12 $ 10,998.32 $ 20,929.81 $ 1,353,860.00
129 $ 31,928.12 $ 10,830.88 $ 21,097.24 $ 1,332,762.76
130 $ 31,928.12 $ 10,662.10 $ 21,266.02 $ 1,311,496.73
131 $ 31,928.12 $ 10,491.97 $ 21,436.15 $ 1,290,060.58
132 $ 31,928.12 $ 10,320.48 $ 21,607.64 $ 1,268,452.94

m
133 $ 31,928.12 $ 10,147.62 $ 21,780.50 $ 1,246,672.44

er as
134 $ 31,928.12 $ 9,973.38 $ 21,954.75 $ 1,224,717.70

co
135 $ 31,928.12 $ 9,797.74 $ 22,130.38 $ 1,202,587.31

eH w
136 $ 31,928.12 $ 9,620.70 $ 22,307.43 $ 1,180,279.89

o.
137 $ 31,928.12 $ 9,442.24 $ 22,485.89 $ 1,157,794.00
138 $
rs e
31,928.12 $ 9,262.35 $ 22,665.77 $ 1,135,128.23
ou urc
139 $ 31,928.12 $ 9,081.03 $ 22,847.10 $ 1,112,281.13
140 $ 31,928.12 $ 8,898.25 $ 23,029.88 $ 1,089,251.25
141 $ 31,928.12 $ 8,714.01 $ 23,214.11 $ 1,066,037.14
o

142 $ 31,928.12 $ 8,528.30 $ 23,399.83 $ 1,042,637.31

aC s

143 $ 31,928.12 $ 8,341.10 $ 23,587.03 $ 1,019,050.28

vi y re

144 $ 31,928.12 $ 8,152.40 $ 23,775.72 $ 995,274.56

145 $ 31,928.12 $ 7,962.20 $ 23,965.93 $ 971,308.63
146 $ 31,928.12 $ 7,770.47 $ 24,157.66 $ 947,150.98
ed d

147 $ 31,928.12 $ 7,577.21 $ 24,350.92 $ 922,800.06

ar stu

148 $ 31,928.12 $ 7,382.40 $ 24,545.72 $ 898,254.34

149 $ 31,928.12 $ 7,186.03 $ 24,742.09 $ 873,512.24
150 $ 31,928.12 $ 6,988.10 $ 24,940.03 $ 848,572.22
is

151 $ 31,928.12 $ 6,788.58 $ 25,139.55 $ 823,432.67

152 $ 31,928.12 $ 6,587.46 $ 25,340.66 $ 798,092.01
Th

153 $ 31,928.12 $ 6,384.74 $ 25,543.39 $ 772,548.62

154 $ 31,928.12 $ 6,180.39 $ 25,747.74 $ 746,800.88
155 $ 31,928.12 $ 5,974.41 $ 25,953.72 $ 720,847.16
sh

156 $ 31,928.12 $ 5,766.78 $ 26,161.35 $ 694,685.82

157 $ 31,928.12 $ 5,557.49 $ 26,370.64 $ 668,315.18
158 $ 31,928.12 $ 5,346.52 $ 26,581.60 $ 641,733.58
159 $ 31,928.12 $ 5,133.87 $ 26,794.26 $ 614,939.32
160 $ 31,928.12 $ 4,919.51 $ 27,008.61 $ 587,930.71
161 $ 31,928.12 $ 4,703.45 $ 27,224.68 $ 560,706.03

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 162 $ 31,928.12 $ 4,485.65 $ 27,442.48 $ 533,263.55
163 $ 31,928.12 $ 4,266.11 $ 27,662.02 $ 505,601.54
164 $ 31,928.12 $ 4,044.81 $ 27,883.31 $ 477,718.22
165 $ 31,928.12 $ 3,821.75 $ 28,106.38 $ 449,611.84
166 $ 31,928.12 $ 3,596.89 $ 28,331.23 $ 421,280.61
167 $ 31,928.12 $ 3,370.24 $ 28,557.88 $ 392,722.73
168 $ 31,928.12 $ 3,141.78 $ 28,786.34 $ 363,936.39
169 $ 31,928.12 $ 2,911.49 $ 29,016.63 $ 334,919.76
170 $ 31,928.12 $ 2,679.36 $ 29,248.77 $ 305,670.99
171 $ 31,928.12 $ 2,445.37 $ 29,482.76 $ 276,188.23
172 $ 31,928.12 $ 2,209.51 $ 29,718.62 $ 246,469.61
173 $ 31,928.12 $ 1,971.76 $ 29,956.37 $ 216,513.25
174 $ 31,928.12 $ 1,732.11 $ 30,196.02 $ 186,317.23
175 $ 31,928.12 $ 1,490.54 $ 30,437.59 $ 155,879.64

m
176 $ 31,928.12 $ 1,247.04 $ 30,681.09 $ 125,198.55

er as
177 $ 31,928.12 $ 1,001.59 $ 30,926.54 $ 94,272.02

co
178 $ 31,928.12 $ 754.18 $ 31,173.95 $ 63,098.07

eH w
179 $ 31,928.12 $ 504.78 $ 31,423.34 $ 31,674.73

o.
180 $ 31,928.12 $ 253.40 $ 31,674.73 $ 0.00
Totales $
rs e
5,747,062.48 $ 2,707,062.48 $ 3,040,000.00
ou urc
 Calcular el saldo insoluto al final del año 10
o

Año 10 Mes 120

aC s
vi y re

PERIODO RENTA MENSUAL INTERESES AMORTIZACIÒN SALDO INSOLUTO

120 $ 31,928.125 $ 12,290.862 $ 19,637.263 $ 1,516,720.484
ed d

R= $ 1,516,720.484
ar stu
is
Th

Problema B.
sh

Un crédito personal de $275,000 se liquidará mediante amortizaciones bimestrales equivalente a 25%

del saldo o insoluto inicial, pagando un interés para los primeros 2 bimestres de 4 % bimestral, y para el
resto del plazo, 2.5 % bimestral.

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  Elaborar una tabla de amortización correspondiente y determinar: ¿cuánto deberá pagar
bimestralmente para liquidar totalmente su crédito en 4 bimestres?
**Considerar que los intereses a pagar causan IVA del 16%
$
C
275,000.00
T 4% 2.50%
i 0.2000 0.125
n 2 2

Pago Mensual
Fecha Interes sobre el saldo Iva Amortización Saldo
Capital

Al momento de $
la operación 275,000.00

m
er as
Primer $
$ 68,750.00 $ 2,750.00 $ 440.00 $ 71,940.00

co
Bimestre 206,250.00

eH w
Segundo $
$ 68,750.00 $ 2,750.00 $ 440.00 $ 71,940.00
Bimestre 137,500.00

o.
Tercer Bimestre $
rs e
68,750.00 $ 1,718.75 $ 275.00 $ 70,743.75
$
68,750.00
ou urc
Cuarto $
$ 68,750.00 $ 1,718.75 $ 275.00 $ 70,743.75
Bimestre -
TOTAL $ 275,000.00 $ 8,937.50 $ 1,430.00 $ 285,367.50
o
aC s
vi y re

Problema C.
Una empresa comercializadora de materias primas para la industria del pan debe $8,000,000.00. Esta
ed d
ar stu

deuda debe pagarse mediante dos pagos mensuales de $2,000,000.00, dos pagos mensuales de
$1,500,000.00, y un último pago mensual por cuantificar.
 Considerar un interés nominal de 15 % capitalizable mensualmente más IVA, elaborar la
is

tabla de amortización y determinar cuánto debe pagar en el mes 5

Th
sh

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 m
er as
co
eH w
o.
rs e
ou urc
Aprendiz Financiero. (14 de Mayo de 2017). Préstamo Hipotecario | Qué
tener en cuenta para tomar una hipoteca. Obtenido de
https://www.youtube.com/watch?
o

v=HuGSSfP11LI&ab_channel=AprendizFinanciero
aC s
vi y re

Cooltura Financiera. (27 de Agosto de 2019). ¿Crédito Infonavit o Crédito

Hipotecario Bancario? Obtenido de
https://www.youtube.com/watch?
ed d

v=tYA1ThcTvLU&ab_channel=CoolturaFinanciera
ar stu

Rodríguez, F. J. (2015). Matemáticas financieras. México D.F: Grupo

Editorial Patria.
is
Th
sh

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