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Solucin:
a. Depositarlo en el Banco de Crdito que me paga 12% CS:
j mn
P = 10000 S = P (1 + )
m
n=3
0.12 23
m=2 S = 10000(1 + )
j = 12% = 0.12 2
S = 10000(1.06)6
S = 10000(1.41851911)
S = 14185.19
j mn
P = 10000 S = P (1 + )
m
n=3
0.12 43
m=4 S = 10000(1 + )
j = 12% = 0.12 4
S = 10000(1.03)12
S = 10000(1.425760)
= .
c. Depositarlo en el Banco Continental que me paga 8% CM
P = 10000
j mn
n=3 S = P (1 + )
m
m = 12 0.08 123
S = 10000(1 + )
j = 8% = 0.08 12
S = 10000(1.006666)36
S = 10000(1.27023705)
S = 12702.37
P = 10000
j mn
n=4 S = P (1 + )
m=2 m
j = 15% = 0.15 0.15 24
S = 10000(1 + )
2
S = 10000(1.075)8
S = 10000(1.78347783)
= .
b. Banco B paga el 12% CT
P = 10000
j mn
n=4 S = P (1 + )
m=4 m
j = 12% = 0.12 0.12 44
S = 10000(1 + )
4
S = 10000(1.03)16
S = 10000(1.60470644)
S = 16047.06
P = 10000
j mn
n=4 S = P (1 + )
m = 12 m
i = 8% = 0.08 0.08 124
S = 10000(1 + )
12
S = 10000(1.006666)48
S = 10000(1.3756661)
S = 13756.66
P = 7000
j n
m = 30 I = P [(1 + ) 1]
n = 64 das (03/04 06/06) m
j = 1% = 0.01 0.01 64
I = 7000 [(1 + ) 1]
30
I = 7000(1.0215 1)
I = 7000(0.0215)
= .
P = 20000
j n
n = 180 das (30 x 6 = 180) S = P (1 + )
m = 360 m
j = 36% = 0.36 0.36 180
S = 20000(1 + )
360
S = 20000(1 + 0.001)180
S = 20000(1.1971096)
= .
P = 6000
j n
m = 1 trimestre = 90 das I = P [(1 + ) 1]
n = 17 das m
j = 2% = 0.02 0.02 17
I = 6000 [(1 + ) 1]
90
I = 6000(1.0037845 1)
I = 6000(0.0037845)
= .
P = 1000
j n
n = 18 das (14/04 02/05) S = P (1 + )
m = 30 m
i = 4% = 0.04 0.04 18
S = 1000 (1 + )
30
S = 1000(1.00133)18
S = 1000(1.02427)
S = 1024.27
P = 624.27
j n
n = 13 das (02/05 15/05) S = P (1 + )
i = 4% = 0.04 m
m = 30 0.04 13
S = 624.27 (1 + )
30
S = 624.27(1.00133)13
S = 624.27(1.01747)
= .
P = 546.34
j n
n = 21 das (03/06 24/06) S = P (1 + )
i = 4% = 0.04 m
m = 30 0.04 21
S = 546.34 (1 + )
30
S = 546.34(1.00133)21
S = 546.34(1.02837)
= .
j n
i = (1 + m) 1
m = 4 trimestres
n=4 0.07 4
i = (1 + ) 1
4
j = 7% = 0.07
i = (1 + 0.0175)4 1
i = 1.07186 1
= . = . %
j n
S = P (1 + )
P = 6000 m
0.09 29
n = 14.5 aos = 29 semestres S = 6000(1 + )
2
j = 9% = 0.09
S = 6000(1 + 0.045)29
m=2
S = 6000(3.58404)
= .
10. Una persona obtiene un prstamo de $30000 a 5 aos con un inters del
8% capitalizable semestralmente. Calcular el valor futuro que debe pagar
en la fecha de vencimiento.
P = 30000 j n
S = P (1 + )
n = 10 m
0.08 10
m=2 S = 30000(1 + )
2
S = 30000(1 + 0.04)10
j= 0.08
S = 30000(1.48024)
= .
1
P=S
(1 + i)n
Al final del 2do. Ao: 1
P = 8000
(1 + 0.075)8
S = 8000 8000
n = 2 aos = 8 trimestres P=
1.78347783
i = 0.30/4 = 0.075 P = 4485.62
1
P=S
Al final del tercer ao: (1 + i)n
1
S = 8000 P = 8000
(1 + 0.075)12
n = 3 aos = 12 trimestres 8000
i = 0.30/4 = 0.075 P=
2.3817796
P = 3358.83
S = 100 1
P=S
n=1 (1 + i)n
i = 0.10/12 = 0.0083 1
P = 100
(1 + 0.0083)1
100
P=
1.008333
P = 99.17
= + . + . + .
= .
13. Hallar el VF de un capital de $100 depositados durante 10 aos 5
meses a la tasa efectiva anual de 6.32%
j n
P = 100 S = P (1 + )
m
n = 10 aos y 5 meses = 10.42 aos
0.0632 10.42
m=1 S = 100(1 + )
j = 6.32% = 0.0632 1
S = 100(1.893773)
S = 189.38
TNA TNA
.
( + ) = ( + )
.
( + ) = ( + )
+ = ( + . )/
= ( + . )
= (. )
= . = . %
15. Hallar la tasa nominal convertible semestralmente, a la cual $10.000 se
convierten en $12.500, en 5 aos.
S 1
S = 12500 i = ( )n 1
P
P = 10000
n = 10 12500 1
i=( )10 1
i = ? 10000
i = (1.25)0.1 1
i = 1.02256 1
i = 0.02256 semestral
0.02256 x 2 = 0.04512 anual = 4.51%
P=1
S=2 S = P(1 + i)n
n = 10 2 = 1(1 + i)10
10
2 = 1 + i
1.07177 1 = i
0.07177 = i = 7.17%
P=1
S = 1(1 + i)n
i = 0.06/4= 0.015
n = 10 x 4 = 40 S = 1(1 + 0.015)40
S = (1.015)40
S = 1.81
P = 850
j n
n=6 S = P (1 + )
m = 12 m
j = 42% = 0.42 0.42 6
S = 850(1 + )
12
S = 850(1 + 0.035)6
S = 850(1.035)6
S = 850(1.229255)
= .
P=1 j n
n=5 S = P (1 + )
m
m=6
0.18 5
j = 18% = 0.18 S = 1(1 + )
6
S = (1 + 0.03)5
S = (1.03)6
S = 1.16
S=2 S
log( P)
P = 1.16 n=
n=5 log(1 + i)
i = 0.3/12=0.025 2
log( 1.16)
n=
log(1 + 0.025)
log( 1.72413793)
n=
log(1.025)
0.23657201
n=
0.01072387
=
21. Deseo hacer un depsito anual de una cantidad fija para obtener dentro
de 5 aos $4500 Cunto debo depositar si la tasa de inters es del 8%?
i
S = 4500 R = S[ ]
(1 + i)n 1
n=5
i = 8% = 0.08 0.08
R = 4500 [ ]
(1 + 0.08)5 1
0.08
R = 4500 [ ]
1.469328 1
R = 4500(0.170456)
= .
22. Que depsito mensual debo hacer para crear un fondo de S/ 10000 al
cabo de 2 aos si la tasa de inters es del 16% C.M
0.013333
R = S [(1+0.01333)24 1]
S = 10000
n = 24 R
i = 0.16/12=0.01333
0.0133333
= 10000 [ ]
(1 + 0.13333)24 1
0.0133333
R = 10000 [ ]
1.37421882 1
R = 10000(0.03562978)
= .
1
P=S
S = 2000 (1 + i)n
n=2 1
i = 0.12 P = 2000
(1 + 0.12)2
2000
P=
1.2544
P = 1594.39
1
P=S
S = 2000 (1 + i)n
n=3 1
i = 0.12 P = 2000
(1 + 0.12)3
2000
P=
1.404928
P = 1423.56
24. Un proyecto requiere una inversin de $5000, el 30% es financiado con Aporte propio y
la diferencia ser financiada va COFIDE Qu pagos iguales de fin de ao se debera hacer si
la tasa de inters es del 5% anual durante 5 aos?
Solucin:
26. Que depsito mensual tendr que realizar un padre durante 5 aos con el objeto de
proporcionarle a su hijo universitario cuando egrese, un monto 10000 para que pague el
costo total de su maestra si la tasa de inters es del 5%
i
R = S[ ]
S = 10000 (1 + i)n 1
0.05
n = 60 R = 10000 [ ]
(1 + 0.05)60 1
i = 0.05
0.05
R = 10000 [ ]
(1.05)60 1
0.05
R = 10000 [ ]
18.679 1
0.05
R = 10000 [ ]
17.679
R = 10000(0.002828)
R = 28.28
27. Que cantidad deber invertir su padre al 5% anual para que usted
reciba una renta mensual de 2000 durante los prximos 3 aos.
(1 + i)n 1
P = Ra(1 + )1 [ ]
i = 0.05/12 = 0.0042 i(1 + i)n
P
k = 12
(1 + 0.0042)36 1
Ra = 2000 = 2000(+0.0042)112 [ ]
0.0042(1 + 0.0042)36
n = 36
P
(1.0042)36 1
= 2000(1.0042)11 [ ]
0.0042(1.0042)36
0.16147223
P = 2000(0.955292) [ ]
0.00483947
P = 2000(0.955292)(33.3657)
= .
29. Cul es el valor al contado de un activo por el que 60 cuotas mensuales de 50 si el costo
del dinero es del 14% CM
(1 + i)n 1
R = 50 P = R[ ]
i(1 + i)n
n = 60 P
i = 0.14/12 = 0.01166 (1 + 0.01166)60 1
= 50 [ ]
0.01166(1 + 0.01166)60
2.005609793 1
P = 50 [ ]
0.01166(2.005609793)
1.005609793
P = 50 [ ]
0.023398771
P = 50(42.977)
= .
( + )
= [ ] P = 3762.70
= (1 + )
n = 3 aos = 36 meses
= 3762.70(1 + 0.008)36
( + . ) i = 0.008
= 3762.70(1.33222)
= [ ]
.
S = 5012.78
.
= [ ]
.
.
= [ ]
.
= (. )
= .