Act 6 Gloria-Giraldo

7/24/2019 Act 6 Gloria-Giraldo

http://slidepdf.com/reader/full/act-6-gloria-giraldo 1/51



ESCUELA DE CIENCIAS ADMINISTRATIVAS, CONTABECONÓMICAS Y DE NEGOCIOSMatematica financiera

Trabajo Colaborativo No. 6 Individual

PRESENTADO POR:

GLORIA STEFANNY GIRALDO CC: 1.056.

PRESENTADO AL TUTOR:

LUIS FERMIN ORTI ARATE

UNIVERSIDAD NACIONAL ABIERTA Y A DIS

2015

CTIVIDAD N! 6. MOMENTO TRABA"O INDIVIDUAL



ES,

781.527

ANCIA



1. AMORTIZACION FIJA A CAPITAL

CAPITAL $ 215,000,000.00TASA MENSUAL 1.25%

PERIODOS 24

Plazo 24

PERIODO SALDO INICIAL CUOTA

1 $ 215,000,000.00 $ 11,645,833.33

2 $ 206,041,666.67 $ 11,533,854.17

$ 197,083,333.33 $ 11,421,875.00

4 $ 188,125,000.00 $ 11,309,895.83

5 $ 179,166,666.67 $ 11,197,916.67

! $ 170,208,333.33 $ 11,085,937.50

" $ 161,250,000.00 $ 10,973,958.33

# $ 152,291,666.67 $ 10,861,979.17

$ 143,333,333.33 $ 10,750,000.00

10 $ 134,375,000.00 $ 10,638,020.83

11 $ 125,416,666.67 $ 10,526,041.67

12 $ 116,458,333.33 $ 10,414,062.50

1 $ 107,500,000.00 $ 10,302,083.33

14 $ 98,541,666.67 $ 10,190,104.17

15 $ 89,583,333.33 $ 10,078,125.00

1! $ 80,625,000.00 $ 9,966,145.83

1" $ 71,666,666.67 $ 9,854,166.67

1# $ 62,708,333.33 $ 9,742,187.50

1 $ 53,750,000.00 $ 9,630,208.33

20 $ 44,791,666.67 $ 9,518,229.17

21 $ 35,833,333.33 $ 9,406,250.00

22 $ 26,875,000.00 $ 9,294,270.83

2 $ 17,916,666.67 $ 9,182,291.67

24 $ 8,958,333.33 $ 9,070,312.50



0 $ 0.00 $ 0.00

0 $ 0.00 $ 0.00

SUMATORIA INTE

SUMATORIA I



Mo&o 'ol()(&a*o Plazo

$ 215,000,000.00 1.25% 24

INTERES AMORTIZACION SALDO FINAL

$ 2,687,500.00 $ 8,958,333.33 $ 206,041,666.67

$ 2,575,520.83 $ 8,958,333.33 $ 197,083,333.33

$ 2,463,541.67 $ 8,958,333.33 $ 188,125,000.00

$ 2,351,562.50 $ 8,958,333.33 $ 179,166,666.67

$ 2,239,583.33 $ 8,958,333.33 $ 170,208,333.33

$ 2,127,604.17 $ 8,958,333.33 $ 161,250,000.00

$ 2,015,625.00 $ 8,958,333.33 $ 152,291,666.67

$ 1,903,645.83 $ 8,958,333.33 $ 143,333,333.33

$ 1,791,666.67 $ 8,958,333.33 $ 134,375,000.00

$ 1,679,687.50 $ 8,958,333.33 $ 125,416,666.67

$ 1,567,708.33 $ 8,958,333.33 $ 116,458,333.33

$ 1,455,729.17 $ 8,958,333.33 $ 107,500,000.00

$ 1,343,750.00 $ 8,958,333.33 $ 98,541,666.67

$ 1,231,770.83 $ 8,958,333.33 $ 89,583,333.33

$ 1,119,791.67 $ 8,958,333.33 $ 80,625,000.00

$ 1,007,812.50 $ 8,958,333.33 $ 71,666,666.67

$ 895,833.33 $ 8,958,333.33 $ 62,708,333.33

$ 783,854.17 $ 8,958,333.33 $ 53,750,000.00

$ 671,875.00 $ 8,958,333.33 $ 44,791,666.67

$ 559,895.83 $ 8,958,333.33 $ 35,833,333.33

$ 447,916.67 $ 8,958,333.33 $ 26,875,000.00

$ 335,937.50 $ 8,958,333.33 $ 17,916,666.67

$ 223,958.33 $ 8,958,333.33 $ 8,958,333.33

$ 111,979.17 $ 8,958,333.33 $ 0.00

Ta'a (&+-' ++)&(/a+'al



$ 0.00 $ 0.00 $ 0.00

$ 0.00 $ 0.00 $ 0.00

RES PRIMER AÑO $ 24,#5,"5.00

TERES TOTAL $ ,5,"50.00



P+(o*o *+ a)(a

NA NA 24

Co&a D+)+)(+&+

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$111,979.17

$783,854.17

$111,979.17

$111,979.17

$447,916.67

$111,979.17

$111,979.17

$111,979.17

P+(o*o+&o

To&al3+(o*o'



$0.00

$0.00



2. AMORTIZACION RADIENTE EOMETRICO DECRECIENTEMo&o 'ol()(&a*o

$ 215,000,000.00

CAPITAL $ 215,000,000.00TASA MENSUAL 1.25%

PERIODOS 12

Plazo 12

PERIODO SALDO INICIAL CUOTA INTERES

1 $ 215,000,000.00 $ 20,604,166.67 $ 2,687,500.00

2 $ 197,083,333.33 $ 20,380,208.33 $ 2,463,541.67

$ 179,166,666.67 $ 20,156,250.00 $ 2,239,583.33

4 $ 161,250,000.00 $ 19,932,291.67 $ 2,015,625.00

5 $ 143,333,333.33 $ 19,708,333.33 $ 1,791,666.67

! $ 125,416,666.67 $ 19,484,375.00 $ 1,567,708.33

" $ 107,500,000.00 $ 19,260,416.67 $ 1,343,750.00

# $ 89,583,333.33 $ 19,036,458.33 $ 1,119,791.67

$ 71,666,666.67 $ 18,812,500.00 $ 895,833.33

10 $ 53,750,000.00 $ 18,588,541.67 $ 671,875.00

11 $ 35,833,333.33 $ 18,364,583.33 $ 447,916.67

12 $ 17,916,666.67 $ 18,140,625.00 $ 223,958.33

0

0

0

0

0

0

0

0

0

0

0

0



SUMATORIA INTERES PRIMER AÑO

SUMATORIA INTERESTOTAL



Plazo P+(o*o *+ a)(a

1.25% 12 NA

AMORTIZACION SALDO FINAL Co&a D+)+)(+&+

$ 17,916,666.67 $ 197,083,333.33 $229,930.56

$ 17,916,666.67 $ 179,166,666.67 $223,719.44

$ 17,916,666.67 $ 161,250,000.00 $223,967.89

$ 17,916,666.67 $ 143,333,333.33 $223,957.95

$ 17,916,666.67 $ 125,416,666.67 $223,958.35

$ 17,916,666.67 $ 107,500,000.00 $223,958.33

$ 17,916,666.67 $ 89,583,333.33 $223,958.33

$ 17,916,666.67 $ 71,666,666.67 $223,958.33

$ 17,916,666.67 $ 53,750,000.00 $223,958.33

$ 17,916,666.67 $ 35,833,333.33 $223,958.33

$ 17,916,666.67 $ 17,916,666.67 $223,958.33

$ 17,916,666.67 $ 0.00 $223,958.33

Ta'a (&+-' ++)&(/a+'al



$ 1",4!#,"50.00

$ 1",4!#,"50.00



P+(o*o +&o To&al 3+(o*o'

NA 12

Co&a D+)+)(+&+ R+al

$ 149,305.56

-$5,972.22

$238.89

-$9.56

$0.38

-$0.02

$0.00

-$0.00

$0.00

-$0.00

$0.00

-$0.00



. AMORTIZACION PAO CUOTA FIJA

CAPITAL $ 215,000,000.00 TASA MENSUAL 1.50%

PERIODOS 18

PLAZO 18


1 $ 215,000,000.00 $ 13,718,243.08

2 $ 204,506,756.92 $ 13,718,243.08

3 $ 193,856,115.19 $ 13,718,243.08

4 $ 183,045,713.84 $ 13,718,243.08

5 $ 172,073,156.47 $ 13,718,243.08

6 $ 160,936,010.74 $ 13,718,243.08

7 $ 149,631,807.82 $ 13,718,243.08

8 $ 138,158,041.86 $ 13,718,243.08

9 $ 126,512,169.41 $ 13,718,243.08

10 $ 114,691,608.87 $ 13,718,243.08

11 $ 102,693,739.92 $ 13,718,243.0812 $ 90,515,902.94 $ 13,718,243.08

13 $ 78,155,398.41 $ 13,718,243.08

14 $ 65,609,486.30 $ 13,718,243.08

15 $ 52,875,385.52 $ 13,718,243.08

16 $ 39,950,273.22 $ 13,718,243.08

17 $ 26,831,284.24 $ 13,718,243.08

18 $ 13,515,510.42 $ 13,718,243.08

SUMATORIA INTE



SUMATORIA I




$ 215,000,000.00 1.50% 18


$ 3,225,000.00 $ 10,493,243.08 $ 204,506,756.92

$ 3,067,601.35 $ 10,650,641.73 $ 193,856,115.19

$ 2,907,841.73 $ 10,810,401.35 $ 183,045,713.84

$ 2,745,685.71 $ 10,972,557.37 $ 172,073,156.47

$ 2,581,097.35 $ 11,137,145.73 $ 160,936,010.74

$ 2,414,040.16 $ 11,304,202.92 $ 149,631,807.82

$ 2,244,477.12 $ 11,473,765.96 $ 138,158,041.86

$ 2,072,370.63 $ 11,645,872.45 $ 126,512,169.41

$ 1,897,682.54 $ 11,820,560.54 $ 114,691,608.87

$ 1,720,374.13 $ 11,997,868.95 $ 102,693,739.92

$ 1,540,406.10 $ 12,177,836.98 $ 90,515,902.94$ 1,357,738.54 $ 12,360,504.54 $ 78,155,398.41

$ 1,172,330.98 $ 12,545,912.10 $ 65,609,486.30

$ 984,142.29 $ 12,734,100.78 $ 52,875,385.52

$ 793,130.78 $ 12,925,112.30 $ 39,950,273.22

$ 599,254.10 $ 13,118,988.98 $ 26,831,284.24

$ 402,469.26 $ 13,315,773.82 $ 13,515,510.42

$ 202,732.66 $ 13,515,510.42 $ 0.00

RES PRIMER AÑO $ 2",""4,15.!

Ta'a (&+-' ++)&(/a+'al



TERES TOTAL $ 1,2#,"5.4



P+(o*o *+ a)(a

NA NA 18

Co&a D+)+)(+&+

$ 157,398.65

$ 159,759.63

$ 162,156.02

$ 164,588.36

$ 167,057.19

$ 169,563.04

$ 172,106.49

$ 174,688.09

$ 177,308.41

$ 179,968.03

$ 182,667.55$ 185,407.57

$ 188,188.68

$ 191,011.51

$ 193,876.68

$ 196,784.83

$ 199,736.61

$ 202,732.66

P+(o*o+&o

To&al3+(o*o'



4. CUOTA FIJA CON PERIODOD DE RACIA

CAPITAL $ 215,000,000.00 PERIODO DE RACIA TASA MENSUAL 1.25%

PERIODOS 18

P!"# 15


1 $ 215,000,000.00 $ 2,687,500.00

2 $ 215,000,000.00 $ 2,687,500.00

$ 215,000,000.00 $ 2,687,500.00

4 $ 215,000,000.00 $ 13,412,729.26

5 $ 204,274,770.74 $ 13,412,729.26

! $ 193,415,476.11 $ 13,412,729.26

" $ 182,420,440.30 $ 13,412,729.26

# $ 171,287,966.54 $ 13,412,729.26

$ 160,016,336.86 $ 13,412,729.26

10 $ 148,603,811.81 $ 13,412,729.26

11 $ 137,048,630.20 $ 13,412,729.26

12 $ 125,349,008.81 $ 13,412,729.26

1 $ 113,503,142.16 $ 13,412,729.26

14 $ 101,509,202.17 $ 13,412,729.26

15 $ 89,365,337.94 $ 13,412,729.26

1! $ 77,069,675.40 $ 13,412,729.26

1" $ 64,620,317.08 $ 13,412,729.26

1# $ 52,015,341.78 $ 13,412,729.26

1

0

0

0

0

0



SUMATORIA INTER

SUMATORIA IN




$ 215,000,000.00 1.25% 15

3


$ 2,687,500.00 $ 0.00 $ 215,000,000.00

$ 2,687,500.00 $ 0.00 $ 215,000,000.00

$ 2,687,500.00 $ 0.00 $ 215,000,000.00

$ 2,687,500.00 $ 10,725,229.26 $ 204,274,770.74

$ 2,553,434.63 $ 10,859,294.63 $ 193,415,476.11

$ 2,417,693.45 $ 10,995,035.81 $ 182,420,440.30

$ 2,280,255.50 $ 11,132,473.76 $ 171,287,966.54

$ 2,141,099.58 $ 11,271,629.68 $ 160,016,336.86

$ 2,000,204.21 $ 11,412,525.05 $ 148,603,811.81

$ 1,857,547.65 $ 11,555,181.61 $ 137,048,630.20

$ 1,713,107.88 $ 11,699,621.38 $ 125,349,008.81

$ 1,566,862.61 $ 11,845,866.65 $ 113,503,142.16

$ 1,418,789.28 $ 11,993,939.99 $ 101,509,202.17

$ 1,268,865.03 $ 12,143,864.23 $ 89,365,337.94

$ 1,117,066.72 $ 12,295,662.54 $ 77,069,675.40

$ 963,370.94 $ 12,449,358.32 $ 64,620,317.08

$ 807,753.96 $ 12,604,975.30 $ 52,015,341.78

$ 650,191.77 $ 12,762,537.49 $ 39,252,804.29

Ta'a (&+-' ++)&(/a+'al



S PRIMER AÑO $ 2",2#0,205.52

ERES TOTAL $ ,50!,24.22



P+(o*o' *+ a)(a

3 NA 18

Co&a D+)+)(+&+

$0.00

$0.00

$0.00

$134,065.37

$135,741.18

$137,437.95

$139,155.92

$140,895.37

$142,656.56

$144,439.77

$146,245.27

$148,073.33

$149,924.25

$151,798.30

$153,695.78

$155,616.98

$157,562.19

$650,191.77

P+(o*o+&o

To&al3+(o*o'



5. CUOTA FIJA CON PERIODOD MUERTO

CAPITAL 215000000 PERIODO MUERTO

TASA MENSUAL 1.25% PERIODOS TOTALES

PERIODOS AMORTIZACION 12 CAPITAL AMORTIZAR


1 $ 215,000,000.00 $ 0.00

2 $ 217,687,500.00 $ 0.00

3 $ 220,408,593.75 $ 19,893,707.70

4 $ 203,269,993.47 $ 19,893,707.70

5 $ 185,917,160.69 $ 19,893,707.70

6 $ 168,347,417.50 $ 19,893,707.70

7 $ 150,558,052.52 $ 19,893,707.70

8 $ 132,546,320.48 $ 19,893,707.70

9 $ 114,309,441.79 $ 19,893,707.70

10 $ 95,844,602.12 $ 19,893,707.70

11 $ 77,148,951.94 $ 19,893,707.70

12 $ 58,219,606.14 $ 19,893,707.70

13 $ 39,053,643.52 $ 19,893,707.70

14 $ 19,648,106.37 $ 19,893,707.70

15

16

17

18

SUMATORIA INTER

SUMATORIA IN




$ 215,000,000.00 1.25% 12

2

14

$ 220,408,593.75


$ 2,687,500.00 -$ 2,687,500.00 $ 217,687,500.00

$ 2,721,093.75 -$ 2,721,093.75 $ 220,408,593.75

$ 2,755,107.42 $ 17,138,600.28 $ 203,269,993.47

$ 2,540,874.92 $ 17,352,832.78 $ 185,917,160.69

$ 2,323,964.51 $ 17,569,743.19 $ 168,347,417.50

$ 2,104,342.72 $ 17,789,364.98 $ 150,558,052.52

$ 1,881,975.66 $ 18,011,732.04 $ 132,546,320.48

$ 1,656,829.01 $ 18,236,878.69 $ 114,309,441.79

$ 1,428,868.02 $ 18,464,839.68 $ 95,844,602.12

$ 1,198,057.53 $ 18,695,650.17 $ 77,148,951.94

$ 964,361.90 $ 18,929,345.80 $ 58,219,606.14

$ 727,745.08 $ 19,165,962.62 $ 39,053,643.52

$ 488,170.54 $ 19,405,537.15 $ 19,648,106.37

$ 245,601.33 $ 19,648,106.37 $ 0.00

S PRIMER AÑO $ 22,0,"20.51

ERES TOTAL $ 2,"24,42.#

Ta'a (&+-'++)&(/a +'al



P+(o*o' *+ a)(a

NA 2 14

Co&a D+)+)(+&+

-$33,593.75

-$34,013.67

$214,232.50

$216,910.41

$219,621.79

$222,367.06

$225,146.65

$227,960.98

$230,810.50

$233,695.63

$236,616.82

$239,574.53

$242,569.21

$245,601.33

P+(o*o+&o

To&al3+(o*o'



1. AMORTIZACION FIJA A CAPITAL

CUENTA 2014 INCREMENTO

Ingreso por Ventas $ 795,246,620 $ 159,049,324.00

Costo de ventas $ 218,326,422 $ 32,748,963.30

Utilidad bruta $ 576,920,198

astos opera!ionales $ 180,745,422

utilidad opera!ional $ 396,174,776

astos "inan!ieros $ 0

Utilidad antes de i#puestos $ 396,174,776

I#puestos $ 99,043,694

Utilidad neta $ 297,131,082



$ 954,295,944.00

$ 251,075,385.30

$ 703,220,558.70

$ 180,745,422.00

$ 522,475,136.70

$ 24,859,375.00

$ 497,615,761.70

$ 99,043,694.00

$ %&'()*2(0+*,*0

E-TA.O .E RE-U/TA.O-AU-TA.O



2. AMORTIZACION GRADIEN

CUENTA 2014

Ingreso por Ventas $ 795,246,620

Costo de ventas $ 218,326,422






I#puestos $ 127,734,183




E GEOMETRICO DECRECIENTE

INCREMENTO

$ 159,049,324.00 $ 954,295,944.00

$ 32,748,963.30 $ 251,075,385.30

$ 703,220,558.70

$ 180,745,422.00

$ 522,475,136.70

$ 17,468,750.00

$ 505,006,386.70

$ 127,734,183.25

$ %**(2*2(20%,4)




3. AMORTIZACION PAGO CUOTA FIJA



Costo de ventas $ 218,326,422 $ 32,748,963.30






I#puestos $ 99,043,694




$ 954,295,944.00

$ 251,075,385.30

$ 703,220,558.70

$ 180,745,422.00

$ 522,475,136.70

$ 27,774,315.36

$ 494,700,821.34

$ 99,043,694.00

$ %&)(+)*(12*,%4




4. CUOTA FIJA CON PERIODOD DE GRACIA



Costo de ventas $ 218,326,422 $ 32,748,963.30






I#puestos $ 99,043,694




$ 954,295,944.00

$ 251,075,385.30

$ 703,220,558.70

$ 180,745,422.00

$ 522,475,136.70

$ 27,280,205.52

$ 495,194,931.18

$ 99,043,694.00

$ %&+(1)1(2%*,1'




5. CUOTA FIJA CON PERIODOD MUERTO



Costo de ventas $ 218,326,422 $ 32,748,963.30






I#puestos $ 99,043,694




$ 954,295,944.00

$ 251,075,385.30

$ 703,220,558.70

$ 180,745,422.00

$ 522,475,136.70

$ 22,990,720.51

$ 499,484,416.19

$ 99,043,694.00

$ 400(440(*22,1&


Act 6 Gloria-Giraldo

Documents

Transcript of Act 6 Gloria-Giraldo