A.

Aplicando la tasa de inters anual simple del 11,5% de un

crdito de $ 2.500.000.000 a 12 meses que le presta la
entidad A, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 12 meses?

INTERES SIMPLE
Valor actual $2,500,000,000 capital

Tasa de inters 11.5% anual

Tasa de inters 0.96% Mensual

Plazo (en meses) 12 N meses

Total intereses $287,500,000.00 Inters total producido

Capital final $2,787,500,000.00 Total capital + intereses

INTERES
MESES CAPITAL INICIAL GENERADO CAPITAL FINAL
1 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
2 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
3 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
4 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
5 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
6 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
7 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
8 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
9 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
10 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
11 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
12 $2,500,000,000 $ 23,958,333 $ 2,500,000,000
Total inters $ 287,500,000

C. Aplicando la tasa de inters anual simple del 12,7% de un

crdito de $ 2.500.000.000 a 24 meses que le presta la
entidad B, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 24 meses?

INTERES SIMPLE
Valor actual $2,500,000,000 capital
Tasa de inters 12.7% anual
Tasa de inters 0.53% Mensual
Plazo (en meses) 24 N meses

Total intereses $317,500,000.00 Inters total producido

Capital final $2,817,500,000.00 Total capital + intereses

INTERES
MESES CAPITAL INICIAL GENERADO CAPITAL FINAL
1 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
2 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
3 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
4 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
5 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
6 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
7 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
8 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
9 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
10 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
11 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
12 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
13 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
14 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
15 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
16 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
17 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
18 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
19 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
20 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
21 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
22 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
23 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
24 $2,500,000,000 $ 13,229,167 $ 2,500,000,000
Total inters $ 317,500,000

E. Aplicando la tasa de inters anual simple del 12,9% de un

crdito de $ 2.500.000.000 a 36 meses que le presta la
entidad C, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 36 meses?

INTERES SIMPLE

Valor actual $2,500,000,000 capital

Tasa de inters 12.9% anual
Tasa de inters 0.36% Mensual
Plazo (en meses) 36 N meses

Total intereses $322,500,000.00 Inters total producido

Capital final $2,822,500,000.00 Total capital + intereses

INTERES
MESES CAPITAL INICIAL GENERADO CAPITAL FINAL
1 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
2 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
3 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
4 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
5 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
6 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
7 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
8 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
9 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
10 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
11 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
12 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
13 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
14 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
15 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
16 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
17 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
18 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
19 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
20 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
21 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
22 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
23 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
24 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
25 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
26 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
27 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
28 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
29 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
30 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
31 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
32 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
33 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
34 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
35 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
36 $2,500,000,000 $ 8,958,333 $ 2,500,000,000
 Total inters $ 322,500,000

G. Aplicando la tasa de inters anual simple del 13,2% de un

crdito de $ 2.500.000.000 a 48 meses que le presta la
entidad D, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 48 meses?

INTERES SIMPLE
Valor actual $2,500,000,000 capital
Tasa de inters 13.2% anual
Tasa de inters 0.28% Mensual
Plazo (en meses) 48 N meses

Total intereses $330,000,000.00 Inters total producido

Capital final $2,830,000,000.00 Total capital + intereses

INTERES
MESES CAPITAL INICIAL GENERADO CAPITAL FINAL
1 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
2 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
3 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
4 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
5 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
6 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
7 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
8 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
9 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
10 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
11 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
12 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
13 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
14 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
15 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
16 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
17 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
18 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
19 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
20 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
21 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
22 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
23 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
24 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
 25 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
26 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
27 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
28 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
29 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
30 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
31 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
32 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
33 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
34 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
35 $2,500,000,000 $ 6,875,000 $ 2,500,000,000
36 $2,500,000,000 $ 6,875,000 $2,500,000,000
37 $2,500,000,000 $ 6,875,000 $2,500,000,000
38 $2,500,000,000 $ 6,875,000 $2,500,000,000
39 $2,500,000,000 $ 6,875,000 $2,500,000,000
40 $2,500,000,000 $ 6,875,000 $2,500,000,000
41 $2,500,000,000 $ 6,875,000 $2,500,000,000
42 $2,500,000,000 $ 6,875,000 $2,500,000,000
43 $2,500,000,000 $ 6,875,000 $2,500,000,000
44 $2,500,000,000 $ 6,875,000 $2,500,000,000
45 $2,500,000,000 $ 6,875,000 $2,500,000,000
46 $2,500,000,000 $ 6,875,000 $2,500,000,000
47 $2,500,000,000 $ 6,875,000 $2,500,000,000
48 $2,500,000,000 $ 6,875,000 $2,500,000,000
Total inters $ 330,000,000

I. Aplicando la tasa de inters anual simple del 14,3% de un

crdito de $ 2.500.000.000 a 60 meses que le presta la
entidad E, cual es el valor de los intereses que debe pagar
la compaa ENRECOL S.A.S al trmino de los 60 meses?

INTERES SIMPLE

Valor actual $2,500,000,000 capital

Tasa de inters 14.3% anual
Tasa de inters 0.24% Mensual

Plazo (en meses) 60 N meses

Total intereses $357,500,000.00 Inters total producido

Capital final $2,857,500,000.00 Total capital + intereses

 INTERES
MESES CAPITAL INICIAL GENERADO CAPITAL FINAL
1 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
2 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
3 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
4 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
5 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
6 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
7 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
8 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
9 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
10 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
11 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
12 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
13 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
14 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
15 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
16 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
17 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
18 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
19 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
20 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
21 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
22 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
23 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
24 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
25 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
26 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
27 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
28 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
29 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
30 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
31 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
32 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
33 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
34 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
35 $2,500,000,000 $ 5,958,333 $ 2,500,000,000
36 $2,500,000,000 $ 5,958,333 $2,500,000,000
37 $2,500,000,000 $ 5,958,333 $2,500,000,000
38 $2,500,000,000 $ 5,958,333 $2,500,000,000
39 $2,500,000,000 $ 5,958,333 $2,500,000,000
40 $2,500,000,000 $ 5,958,333 $2,500,000,000
41 $2,500,000,000 $ 5,958,333 $2,500,000,000
42 $2,500,000,000 $ 5,958,333 $2,500,000,000
43 $2,500,000,000 $ 5,958,333 $2,500,000,000
44 $2,500,000,000 $ 5,958,333 $2,500,000,000
45 $2,500,000,000 $ 5,958,333 $2,500,000,000
46 $2,500,000,000 $ 5,958,333 $2,500,000,000
47 $2,500,000,000 $ 5,958,333 $2,500,000,000
48 $2,500,000,000 $ 5,958,333 $2,500,000,000
49 $2,500,000,000 $ 5,958,333 $2,500,000,000
50 $2,500,000,000 $ 5,958,333 $2,500,000,000
51 $2,500,000,000 $ 5,958,333 $2,500,000,000
52 $2,500,000,000 $ 5,958,333 $2,500,000,000
53 $2,500,000,000 $ 5,958,333 $2,500,000,000
54 $2,500,000,000 $ 5,958,333 $2,500,000,000
55 $2,500,000,000 $ 5,958,333 $2,500,000,000
56 $2,500,000,000 $ 5,958,333 $2,500,000,000
57 $2,500,000,000 $ 5,958,333 $2,500,000,000
58 $2,500,000,000 $ 5,958,333 $2,500,000,000
59 $2,500,000,000 $ 5,958,333 $2,500,000,000
60 $2,500,000,000 $ 5,958,333 $2,500,000,000
Total inters $ 357,500,000
 B. Aplicando la tasa de inters efectiva anual d
2.500.000.000 a 12 meses que le presta la entidad
que debe pagar la compaa ENRECOL S.A.S a

INTERES COMPUESTO
Valor actual $2,500,000,000

Tasa de inters 11.5%

Tasa de inters 0.911%

Plazo (en meses) 12

Total intereses $273,360,000.00

Capital final $2,773,360,000.00

INTERES
ACUMULADO MESES CAPITAL INICIAL
$ 23,958,333 1 $ 2,500,000,000
$ 47,916,667 2 $ 2,522,780,000
$ 71,875,000 3 $ 2,545,767,571
$ 95,833,333 4 $ 2,568,964,605
$ 119,791,667 5 $ 2,592,373,011
$ 143,750,000 6 $ 2,615,994,714
$ 167,708,333 7 $ 2,639,831,658
$ 191,666,667 8 $ 2,663,885,804
$ 215,625,000 9 $ 2,688,159,131
$ 239,583,333 10 $ 2,712,653,637
$ 263,541,667 11 $ 2,737,371,337
$ 287,500,000 12 $ 2,762,314,265
Total inters

D. Aplicando la tasa de inters efectiv

un crdito de $ 2.500.000.000 a 24 m
entidad B, cual es el valor de los intere
la compaa ENRECOL S.A.S al trmin

INTERES COMPUESTO
Valor actual $2,500,000,000
Tasa de inters 12.7%
 Tasa de inters 1.0013%
Plazo (en meses) 24

Total intereses $600,780,000.00

Capital final $3,100,780,000.00

INTERES
ACUMULADO MESES CAPITAL INICIAL
$ 13,229,167 1 $2,500,000,000
$ 26,458,333 2 $ 2,525,032,500
$ 39,687,500 3 $ 2,550,315,650
$ 52,916,667 4 $ 2,575,851,961
$ 66,145,833 5 $ 2,601,643,967
$ 79,375,000 6 $ 2,627,694,228
$ 92,604,167 7 $ 2,654,005,330
$ 105,833,333 8 $ 2,680,579,885
$ 119,062,500 9 $ 2,707,420,532
$ 132,291,667 10 $ 2,734,529,934
$ 145,520,833 11 $ 2,761,910,782
$ 158,750,000 12 $ 2,789,565,794
$ 171,979,167 13 $ 2,817,497,717
$ 185,208,333 14 $ 2,845,709,321
$ 198,437,500 15 $ 2,874,203,409
$ 211,666,667 16 $ 2,902,982,808
$ 224,895,833 17 $ 2,932,050,374
$ 238,125,000 18 $ 2,961,408,995
$ 251,354,167 19 $ 2,991,061,583
$ 264,583,333 20 $ 3,021,011,083
$ 277,812,500 21 $ 3,051,260,467
$ 291,041,667 22 $ 3,081,812,738
$ 304,270,833 23 $ 3,112,670,929
$ 317,500,000 24 $ 3,143,838,103
Total inters

F. Aplicando la tasa de inters efectiv

un crdito de $ 2.500.000.000 a 36 m
entidad C, cual es el valor de los intere
la compaa ENRECOL S.A.S al trmin

INTERES COMPUESTO

Valor actual $2,500,000,000

Tasa de inters 12.9%
 Tasa de inters 1.0%
Plazo (en meses) 36

Total intereses $914,580,000.00

Capital final $3,414,580,000.00

INTERES
ACUMULADO MESES CAPITAL INICIAL
$ 8,958,333 1 $2,500,000,000
$ 17,916,667 2 $ 2,525,405,000
$ 26,875,000 3 $ 2,551,068,166
$ 35,833,333 4 $ 2,576,992,120
$ 44,791,667 5 $ 2,603,179,514
$ 53,750,000 6 $ 2,629,633,024
$ 62,708,333 7 $ 2,656,355,355
$ 71,666,667 8 $ 2,683,349,238
$ 80,625,000 9 $ 2,710,617,433
$ 89,583,333 10 $ 2,738,162,728
$ 98,541,667 11 $ 2,765,987,937
$ 107,500,000 12 $ 2,794,095,907
$ 116,458,333 13 $ 2,822,489,509
$ 125,416,667 14 $ 2,851,171,648
$ 134,375,000 15 $ 2,880,145,254
$ 143,333,333 16 $ 2,909,413,290
$ 152,291,667 17 $ 2,938,978,748
$ 161,250,000 18 $ 2,968,844,650
$ 170,208,333 19 $ 2,999,014,049
$ 179,166,667 20 $ 3,029,490,030
$ 188,125,000 21 $ 3,060,275,708
$ 197,083,333 22 $ 3,091,374,230
$ 206,041,667 23 $ 3,122,788,774
$ 215,000,000 24 $ 3,154,522,554
$ 223,958,333 25 $ 3,186,578,812
$ 232,916,667 26 $ 3,218,960,826
$ 241,875,000 27 $ 3,251,671,906
$ 250,833,333 28 $ 3,284,715,396
$ 259,791,667 29 $ 3,318,094,674
$ 268,750,000 30 $ 3,351,813,152
$ 277,708,333 31 $ 3,385,874,277
$ 286,666,667 32 $ 3,420,281,531
$ 295,625,000 33 $ 3,455,038,432
$ 304,583,333 34 $ 3,490,148,533
$ 313,541,667 35 $ 3,525,615,422
$ 322,500,000 36 $ 3,561,442,726
 Total inters

H. Aplicando la tasa de inters efectiva anual

2.500.000.000 a 48 meses que le presta la entidad
que debe pagar la compaa ENRECOL S.A.S a

INTERES COMPUESTO
Valor actual $2,500,000,000
Tasa de inters 13.2%
Tasa de inters 1.0386%
Plazo (en meses) 48

Total intereses $1,246,320,000.00

Capital final $3,746,320,000.00

INTERES
ACUMULADO MESES CAPITAL INICIAL
$ 6,875,000 1 $2,500,000,000
$ 13,750,000 2 $ 2,525,965,000
$ 20,625,000 3 $ 2,552,199,672
$ 27,500,000 4 $ 2,578,706,818
$ 34,375,000 5 $ 2,605,489,267
$ 41,250,000 6 $ 2,632,549,879
$ 48,125,000 7 $ 2,659,891,542
$ 55,000,000 8 $ 2,687,517,175
$ 61,875,000 9 $ 2,715,429,729
$ 68,750,000 10 $ 2,743,632,182
$ 75,625,000 11 $ 2,772,127,546
$ 82,500,000 12 $ 2,800,918,863
$ 89,375,000 13 $ 2,830,009,206
$ 96,250,000 14 $ 2,859,401,681
$ 103,125,000 15 $ 2,889,099,427
$ 110,000,000 16 $ 2,919,105,614
$ 116,875,000 17 $ 2,949,423,445
$ 123,750,000 18 $ 2,980,056,157
$ 130,625,000 19 $ 3,011,007,020
$ 137,500,000 20 $ 3,042,279,339
$ 144,375,000 21 $ 3,073,876,452
$ 151,250,000 22 $ 3,105,801,733
$ 158,125,000 23 $ 3,138,058,590
$ 165,000,000 24 $ 3,170,650,466
$ 171,875,000 25 $ 3,203,580,842
$ 178,750,000 26 $ 3,236,853,233
$ 185,625,000 27 $ 3,270,471,190
$ 192,500,000 28 $ 3,304,438,304
$ 199,375,000 29 $ 3,338,758,200
$ 206,250,000 30 $ 3,373,434,543
$ 213,125,000 31 $ 3,408,471,034
$ 220,000,000 32 $ 3,443,871,414
$ 226,875,000 33 $ 3,479,639,463
$ 233,750,000 34 $ 3,515,778,998
$ 240,625,000 35 $ 3,552,293,879
$ 247,500,000 36 $ 3,589,188,003
$ 254,375,000 37 $ 3,626,465,310
$ 261,250,000 38 $ 3,664,129,778
$ 268,125,000 39 $ 3,702,185,430
$ 275,000,000 40 $ 3,740,636,328
$ 281,875,000 41 $ 3,779,486,577
$ 288,750,000 42 $ 3,818,740,325
$ 295,625,000 43 $ 3,858,401,762
$ 302,500,000 44 $ 3,898,475,122
$ 309,375,000 45 $ 3,938,964,685
$ 316,250,000 46 $ 3,979,874,772
$ 323,125,000 47 $ 4,021,209,752
$ 330,000,000 48 $ 4,062,974,036
Total inters

J. Aplicando la tasa de inters efectiva

un crdito de $ 2.500.000.000 a 60 m
entidad E, cual es el valor de los intere
la compaa ENRECOL S.A.S al trmin

INTERES COMPUESTO

Valor actual $2,500,000,000

Tasa de inters 14.3%
Tasa de inters 1.1200%

Plazo (en meses) 60

Total intereses $1,680,000,000.00

Capital final $4,180,000,000.00

 INTERES
ACUMULADO MESES CAPITAL INICIAL
$ 5,958,333 1 $2,500,000,000
$ 11,916,667 2 $ 2,528,000,000
$ 17,875,000 3 $ 2,556,313,600
$ 23,833,333 4 $ 2,584,944,312
$ 29,791,667 5 $ 2,613,895,689
$ 35,750,000 6 $ 2,643,171,320
$ 41,708,333 7 $ 2,672,774,839
$ 47,666,667 8 $ 2,702,709,917
$ 53,625,000 9 $ 2,732,980,268
$ 59,583,333 10 $ 2,763,589,647
$ 65,541,667 11 $ 2,794,541,851
$ 71,500,000 12 $ 2,825,840,720
$ 77,458,333 13 $ 2,857,490,136
$ 83,416,667 14 $ 2,889,494,026
$ 89,375,000 15 $ 2,921,856,359
$ 95,333,333 16 $ 2,954,581,150
$ 101,291,667 17 $ 2,987,672,459
$ 107,250,000 18 $ 3,021,134,391
$ 113,208,333 19 $ 3,054,971,096
$ 119,166,667 20 $ 3,089,186,772
$ 125,125,000 21 $ 3,123,785,664
$ 131,083,333 22 $ 3,158,772,063
$ 137,041,667 23 $ 3,194,150,310
$ 143,000,000 24 $ 3,229,924,794
$ 148,958,333 25 $ 3,266,099,952
$ 154,916,667 26 $ 3,302,680,271
$ 160,875,000 27 $ 3,339,670,290
$ 166,833,333 28 $ 3,377,074,597
$ 172,791,667 29 $ 3,414,897,833
$ 178,750,000 30 $ 3,453,144,688
$ 184,708,333 31 $ 3,491,819,909
$ 190,666,667 32 $ 3,530,928,292
$ 196,625,000 33 $ 3,570,474,689
$ 202,583,333 34 $ 3,610,464,005
$ 208,541,667 35 $ 3,650,901,202
$ 214,500,000 36 $ 3,691,791,296
$ 220,458,333 37 $ 3,733,139,358
$ 226,416,667 38 $ 3,774,950,519
$ 232,375,000 39 $ 3,817,229,965
$ 238,333,333 40 $ 3,859,982,940
$ 244,291,667 41 $ 3,903,214,749
$ 250,250,000 42 $ 3,946,930,755
$ 256,208,333 43 $ 3,991,136,379
$ 262,166,667 44 $ 4,035,837,106
$ 268,125,000 45 $ 4,081,038,482
$ 274,083,333 46 $ 4,126,746,113
$ 280,041,667 47 $ 4,172,965,669
$ 286,000,000 48 $ 4,219,702,885
$ 291,958,333 49 $ 4,266,963,557
$ 297,916,667 50 $ 4,314,753,549
$ 303,875,000 51 $ 4,363,078,789
$ 309,833,333 52 $ 4,411,945,271
$ 315,791,667 53 $ 4,461,359,058
$ 321,750,000 54 $ 4,511,326,280
$ 327,708,333 55 $ 4,561,853,134
$ 333,666,667 56 $ 4,612,945,889
$ 339,625,000 57 $ 4,664,610,883
$ 345,583,333 58 $ 4,716,854,525
$ 351,541,667 59 $ 4,769,683,296
$ 357,500,000 60 $ 4,823,103,749
Total inters
nters efectiva anual del 11,5% de un crdito de $
e le presta la entidad A, cual es el valor de los intereses
paa ENRECOL S.A.S al trmino de los 12 meses?

OMPUESTO
capital

anual
Mensual

N meses

Inters total producido

Total capital + intereses

INTERES GENERADO CAPITAL FINAL

$ 22,780,000 $ 2,522,780,000
$ 22,987,571 $ 2,545,767,571
$ 23,197,034 $ 2,568,964,605
$ 23,408,405 $ 2,592,373,011
$ 23,621,703 $ 2,615,994,714
$ 23,836,944 $ 2,639,831,658
$ 24,054,146 $ 2,663,885,804
$ 24,273,327 $ 2,688,159,131
$ 24,494,506 $ 2,712,653,637
$ 24,717,700 $ 2,737,371,337
$ 24,942,928 $ 2,762,314,265
$ 25,170,208 $ 2,787,484,472
$ 287,484,472

asa de inters efectiva anual del 12,7% de

2.500.000.000 a 24 meses que le presta la
s el valor de los intereses que debe pagar
RECOL S.A.S al trmino de los 24 meses?

OMPUESTO
capital
anual
 Mensual
N meses

Inters total producido

Total capital + intereses

INTERES GENERADO CAPITAL FINAL

$ 25,032,500 $ 2,525,032,500
$ 25,283,150 $ 2,550,315,650
$ 25,536,311 $ 2,575,851,961
$ 25,792,006 $ 2,601,643,967
$ 26,050,261 $ 2,627,694,228
$ 26,311,102 $ 2,654,005,330
$ 26,574,555 $ 2,680,579,885
$ 26,840,646 $ 2,707,420,532
$ 27,109,402 $ 2,734,529,934
$ 27,380,848 $ 2,761,910,782
$ 27,655,013 $ 2,789,565,794
$ 27,931,922 $ 2,817,497,717
$ 28,211,605 $ 2,845,709,321
$ 28,494,087 $ 2,874,203,409
$ 28,779,399 $ 2,902,982,808
$ 29,067,567 $ 2,932,050,374
$ 29,358,620 $ 2,961,408,995
$ 29,652,588 $ 2,991,061,583
$ 29,949,500 $ 3,021,011,083
$ 30,249,384 $ 3,051,260,467
$ 30,552,271 $ 3,081,812,738
$ 30,858,191 $ 3,112,670,929
$ 31,167,174 $ 3,143,838,103
$ 31,479,251 $ 3,175,317,354
$ 675,317,354

asa de inters efectiva anual del 12,9% de

2.500.000.000 a 36 meses que le presta la
s el valor de los intereses que debe pagar
RECOL S.A.S al trmino de los 36 meses?

OMPUESTO

capital

anual
Mensual
N meses

Inters total producido

Total capital + intereses

INTERES GENERADO CAPITAL FINAL

$ 25,405,000 $ 2,525,405,000
$ 25,663,166 $ 2,551,068,166
$ 25,923,955 $ 2,576,992,120
$ 26,187,394 $ 2,603,179,514
$ 26,453,510 $ 2,629,633,024
$ 26,722,331 $ 2,656,355,355
$ 26,993,883 $ 2,683,349,238
$ 27,268,195 $ 2,710,617,433
$ 27,545,294 $ 2,738,162,728
$ 27,825,210 $ 2,765,987,937
$ 28,107,969 $ 2,794,095,907
$ 28,393,603 $ 2,822,489,509
$ 28,682,138 $ 2,851,171,648
$ 28,973,606 $ 2,880,145,254
$ 29,268,036 $ 2,909,413,290
$ 29,565,458 $ 2,938,978,748
$ 29,865,902 $ 2,968,844,650
$ 30,169,399 $ 2,999,014,049
$ 30,475,981 $ 3,029,490,030
$ 30,785,678 $ 3,060,275,708
$ 31,098,522 $ 3,091,374,230
$ 31,414,545 $ 3,122,788,774
$ 31,733,780 $ 3,154,522,554
$ 32,056,258 $ 3,186,578,812
$ 32,382,014 $ 3,218,960,826
$ 32,711,080 $ 3,251,671,906
$ 33,043,490 $ 3,284,715,396
$ 33,379,278 $ 3,318,094,674
$ 33,718,478 $ 3,351,813,152
$ 34,061,125 $ 3,385,874,277
$ 34,407,254 $ 3,420,281,531
$ 34,756,901 $ 3,455,038,432
$ 35,110,101 $ 3,490,148,533
$ 35,466,889 $ 3,525,615,422
$ 35,827,304 $ 3,561,442,726
$ 36,191,381 $ 3,597,634,107
 $ 1,097,634,107

nters efectiva anual del 13,2% de un crdito de $

e le presta la entidad D, cual es el valor de los intereses
paa ENRECOL S.A.S al trmino de los 48 meses?

OMPUESTO
capital
anual
Mensual
N meses

Inters total producido

Total capital + intereses

INTERES GENERADO CAPITAL FINAL

$ 25,965,000 $ 2,525,965,000
$ 26,234,672 $ 2,552,199,672
$ 26,507,146 $ 2,578,706,818
$ 26,782,449 $ 2,605,489,267
$ 27,060,612 $ 2,632,549,879
$ 27,341,663 $ 2,659,891,542
$ 27,625,634 $ 2,687,517,175
$ 27,912,553 $ 2,715,429,729
$ 28,202,453 $ 2,743,632,182
$ 28,495,364 $ 2,772,127,546
$ 28,791,317 $ 2,800,918,863
$ 29,090,343 $ 2,830,009,206
$ 29,392,476 $ 2,859,401,681
$ 29,697,746 $ 2,889,099,427
$ 30,006,187 $ 2,919,105,614
$ 30,317,831 $ 2,949,423,445
$ 30,632,712 $ 2,980,056,157
$ 30,950,863 $ 3,011,007,020
$ 31,272,319 $ 3,042,279,339
$ 31,597,113 $ 3,073,876,452
$ 31,925,281 $ 3,105,801,733
$ 32,256,857 $ 3,138,058,590
$ 32,591,877 $ 3,170,650,466
$ 32,930,376 $ 3,203,580,842
 $ 33,272,391 $ 3,236,853,233
$ 33,617,958 $ 3,270,471,190
$ 33,967,114 $ 3,304,438,304
$ 34,319,896 $ 3,338,758,200
$ 34,676,343 $ 3,373,434,543
$ 35,036,491 $ 3,408,471,034
$ 35,400,380 $ 3,443,871,414
$ 35,768,049 $ 3,479,639,463
$ 36,139,535 $ 3,515,778,998
$ 36,514,881 $ 3,552,293,879
$ 36,894,124 $ 3,589,188,003
$ 37,277,307 $ 3,626,465,310
$ 37,664,469 $ 3,664,129,778
$ 38,055,652 $ 3,702,185,430
$ 38,450,898 $ 3,740,636,328
$ 38,850,249 $ 3,779,486,577
$ 39,253,748 $ 3,818,740,325
$ 39,661,437 $ 3,858,401,762
$ 40,073,361 $ 3,898,475,122
$ 40,489,563 $ 3,938,964,685
$ 40,910,087 $ 3,979,874,772
$ 41,334,979 $ 4,021,209,752
$ 41,764,284 $ 4,062,974,036
$ 42,198,048 $ 4,105,172,084
$ 1,605,172,084

asa de inters efectiva anual del 14,3% de

2.500.000.000 a 60 meses que le presta la
s el valor de los intereses que debe pagar
RECOL S.A.S al trmino de los 60 meses?

OMPUESTO

capital

anual

Mensual

N meses

Inters total producido

Total capital + intereses

 INTERES GENERADO CAPITAL FINAL
$ 28,000,000 $ 2,528,000,000
$ 28,313,600 $ 2,556,313,600
$ 28,630,712 $ 2,584,944,312
$ 28,951,376 $ 2,613,895,689
$ 29,275,632 $ 2,643,171,320
$ 29,603,519 $ 2,672,774,839
$ 29,935,078 $ 2,702,709,917
$ 30,270,351 $ 2,732,980,268
$ 30,609,379 $ 2,763,589,647
$ 30,952,204 $ 2,794,541,851
$ 31,298,869 $ 2,825,840,720
$ 31,649,416 $ 2,857,490,136
$ 32,003,890 $ 2,889,494,026
$ 32,362,333 $ 2,921,856,359
$ 32,724,791 $ 2,954,581,150
$ 33,091,309 $ 2,987,672,459
$ 33,461,932 $ 3,021,134,391
$ 33,836,705 $ 3,054,971,096
$ 34,215,676 $ 3,089,186,772
$ 34,598,892 $ 3,123,785,664
$ 34,986,399 $ 3,158,772,063
$ 35,378,247 $ 3,194,150,310
$ 35,774,483 $ 3,229,924,794
$ 36,175,158 $ 3,266,099,952
$ 36,580,319 $ 3,302,680,271
$ 36,990,019 $ 3,339,670,290
$ 37,404,307 $ 3,377,074,597
$ 37,823,235 $ 3,414,897,833
$ 38,246,856 $ 3,453,144,688
$ 38,675,221 $ 3,491,819,909
$ 39,108,383 $ 3,530,928,292
$ 39,546,397 $ 3,570,474,689
$ 39,989,317 $ 3,610,464,005
$ 40,437,197 $ 3,650,901,202
$ 40,890,093 $ 3,691,791,296
$ 41,348,063 $ 3,733,139,358
$ 41,811,161 $ 3,774,950,519
$ 42,279,446 $ 3,817,229,965
$ 42,752,976 $ 3,859,982,940
$ 43,231,809 $ 3,903,214,749
$ 43,716,005 $ 3,946,930,755
$ 44,205,624 $ 3,991,136,379
$ 44,700,727 $ 4,035,837,106
$ 45,201,376 $ 4,081,038,482
$ 45,707,631 $ 4,126,746,113
$ 46,219,556 $ 4,172,965,669
$ 46,737,215 $ 4,219,702,885
$ 47,260,672 $ 4,266,963,557
$ 47,789,992 $ 4,314,753,549
$ 48,325,240 $ 4,363,078,789
$ 48,866,482 $ 4,411,945,271
$ 49,413,787 $ 4,461,359,058
$ 49,967,221 $ 4,511,326,280
$ 50,526,854 $ 4,561,853,134
$ 51,092,755 $ 4,612,945,889
$ 51,664,994 $ 4,664,610,883
$ 52,243,642 $ 4,716,854,525
$ 52,828,771 $ 4,769,683,296
$ 53,420,453 $ 4,823,103,749
$ 54,018,762 $ 4,877,122,511
$ 2,377,122,511
 2. La compaa ENRECOL S.A.S. desea co

A.Qu tasa efectiva le liquida la entidad A, por un prstamo que se pactara al

11,5% de inters anual convertible semestralmente?

Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 11.5% anual
Tasa de inters 5.8% Mensual
Plazo 2 N Semestral

C. Qu tasa efectiva le liquida la entidad C, por un prstamo que se pactara al

12,9% de inters anual convertible trimestralmente?

Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 12.9% anual
Tasa de inters 3.2% Mensual
Plazo 4 N Trimestral

E. Qu tasa efectiva le liquida la entidad E, por un prstamo que se pactara al

14,3% de inters anual convertible bimensualmente?

Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 14.3% anual
Tasa de inters 0.6% Mensual
Plazo 24 N Bimensual
.A.S. desea conocer

B. Qu tasa efectiva le liquida la entidad B, por un prstamo que se pactara

al 12,7% de inters anual convertible cuatrimestralmente?

Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 12.7% anual
Tasa de inters 4.23% Mensual
Plazo 3 N Cuatrimestral

D. Qu tasa efectiva le liquida la entidad D, por un prstamo que se pactara al

13,2% de inters anual convertible bimestralmente?

Tasa Efectiva
Valor actual $2,500,000,000 capital
Tasa de inters 13.2% anual
Tasa de inters 2.2% Mensual
Plazo 6 N Bimestral
tamo que se pactara
stralmente?

mo que se pactara al
mente?
 3. Cuadro comparativo de alte

Propuesta de crdito Monto del crdito

Entidad A $2,500,000,000
Entidad B $2,500,000,000
Entidad C $2,500,000,000
Entidad D $2,500,000,000
Entidad E $2,500,000,000
Entidad F $2,500,000,000
Entidad G $2,500,000,000
Entidad H $2,500,000,000
Entidad I $2,500,000,000
Entidad J $2,500,000,000
. Cuadro comparativo de alternativas de financiacin

Tipo de tasa de Tasa de

Tiempo del crdito
inters inters %

12 Anual Simple 11.5%

12 Efectiva Anual 11.5%
24 Anual Simple 12.7%
24 Efectiva Anual 12.7%
36 Anual Simple 12.9%
36 Efectiva Anual 12.9%
48 Anual Simple 13.2%
48 Efectiva Anual 13.2%
60 Anual Simple 14.3%
60 Efectiva Anual 14.3%
acin

Valor de los intereses

generados