Clases y Ejercicios Practicos de Excel Aplicado a Las Finanzas

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materia2/3/15 21:18AHORA 2/3/15HOY2015AO2MES3DIA21HORA18MINUTO14SEGUNDO25/10/2016DIA.LAB451DIAS LAB01/08/2017DIA.LAB.INTL451DIAS.LAB.INTL622DIAS 3603DIAS.SEM6NUM.DE.SEMANA11/9/15FECHA11/09/2014FECHANUMERO03/08/2020FECHA.MES465.8944444444FRAC.AO21:10:45NSHORA

ejercicio de valor futuroUN PADRE DE FAMILIA DECIDE AHORRAR 80.000 PARA LOS ESTUDIOS DE SUS HJOS EN LA UNIVERSIDAD Y RETIRARLOS EL 31/12/2020EL BANCO DURANTE LOS DOS PRIMEROS AOS TIENE UN SISTEMA DE CAPITALIZACION ANUAL DEL 15% A INICIOS DEL TERCER CAMBIA LA MODALIDAD DE CAPITALIZACION A 9% SEMESTRAL A PARTIR DEL 6TO AO CAMBIA SU MODALIDAD DE CAPITALIZACION A CUATRIMESTRAL AL 17%EN EL AO 10 CAMBIA SU CAPITALIZACION AL 5% TRIMESTRAL Y.POR ULTIMO EN EL AO 16 CAMBIA A CAPITALIZACION DIARIA AL 20%

OBTENER EL VALOR FUTURO Y GENERAR TABLA DE DATOSVALOR ACTUALVA80000$ 105,800.00$ 177,437.19$ 343,795.94$ 1,108,776.27$ 1,108,776.27TASA DE INTERESTASA15%9%SEMESTRAL0.1817%0.05666666675%TRIMESTRAL0.25%20%20%0.0005555556TIEMPONPER236412662410103600VALOR FUTUROVF$ 105,800.00$ 177,437.19$ 173,832.79REVISAR$ 332,497.28$ 343,795.94$ 460,719.44$ 1,026,569.18$ 1,108,776.27$ 6,865,250.42$ 8,188,261.45$ 105,800.0012345671%80,800.0081,608.0082,424.0883,248.3284,080.8084,921.6185,770.832%81,600.0083,232.0084,896.6486,594.5788,326.4690,092.9991,894.853%82,400.0084,872.0087,418.1690,040.7092,741.9395,524.1898,389.914%83,200.0086,528.0089,989.1293,588.6897,332.23101,225.52105,274.545%84,000.0088,200.0092,610.0097,240.50102,102.53107,207.65112,568.036%84,800.0089,888.0095,281.28100,998.16107,058.05113,481.53120,290.427%85,600.0091,592.0098,003.44104,863.68112,204.14120,058.43128,462.528%86,400.0093,312.00100,776.96108,839.12117,546.25126,949.95137,105.949%87,200.0095,048.00103,602.32112,926.53123,089.92134,168.01146,243.1310%88,000.0096,800.00106,480.00117,128.00128,840.80141,724.88155,897.3711%88,800.0098,568.00109,410.48121,445.63134,804.65149,633.16166,092.8112%89,600.00100,352.00112,394.24125,881.55140,987.33157,905.81176,854.5113%90,400.00102,152.00115,431.76130,437.89147,394.81166,556.14188,208.4414%91,200.00103,968.00118,523.52135,116.81154,033.17175,597.81200,181.5015%92,000.00105,800.00121,670.00139,920.50160,908.58185,044.86212,801.5916%92,800.00107,648.00124,871.68144,851.15168,027.33194,911.71226,097.5817%93,600.00109,512.00128,129.04149,910.98175,395.84205,213.14240,099.3718%94,400.00111,392.00131,442.56155,102.22183,020.62215,964.33254,837.9119%95,200.00113,288.00134,812.72160,427.14190,908.29227,180.87270,345.2320%96,000.00115,200.00138,240.00165,888.00199,065.60238,878.72286,654.4621%96,800.00117,128.00141,724.88171,487.10207,499.40251,074.27303,799.87

Ejercicio VF 18-11-20141998-20022002-20062007-20112012-20162017-20212022-20262027-2031VALOR ACTUALVA95,000.00208,282.56493,080.571,268,124.843,364,712.739,251,351.1834,690,577.71TASA DE INTERESTASA0.170.090.070.050.020.010.06TIEMPONPER5.0010.0015.0020.0060.00265.001,800.00VALOR FUTUROVF208,282.56493,080.571,268,124.843,364,712.739,251,351.1834,690,577.71812,387,798,992,568,000,000,000,000,000,000,000,000,000,000,000,000,000.00

12/31/225312/31/2353.00257.14285714290.061111111112/31/2453.0012/31/2553.0012/31/2653.00265.00

208,282.561234561%9595096909.597878.59598857.3809599845.9547595100844.4143070952%9690098838100814.76102831.0552104887.676304106985.429830083%97850100785.5103809.065106923.33695110131.0370585113434.9681702554%98800102752106862.08111136.5632115582.025728120205.306757125%99750104737.5109974.375115473.09375121246.7484375127309.0858593756%100700106742113146.52119935.3112127131.429872134759.315664327%101650108765.5116379.085124525.62095133242.4144165142569.3834256558%102600110808119672.64129246.4512139586.167296150753.060679689%103550112869.5123027.755134100.25295146169.2757155159324.51052989510%104500114950126445139089.5152998.45168298.29511%105450117049.5129924.945144216.68895160080.5247345177689.38245529512%106400119168133468.16149484.3392167422.459904187513.1550924813%107350121305.5137075.215154894.99295175031.3420335197785.41649785514%108300123462140746.68160451.2152182914.385328208522.3992739215%109250125637.5144483.125166155.59375191078.9328125219740.77273437516%110200127832148285.12172010.7392199532.457472231457.6506675217%111150130045.5152153.235178019.28495208282.5633915243690.59916805518%112100132278156088.04184183.8872217336.986896256457.6445372819%113050134529.5160090.105190507.22495226703.5976905269777.28125169520%114000136800164160196992236390.4283668.4821%114950139089.5168298.295203640.93695246405.5337095298150.69578849522%115900141398172505.56210456.7832256757.275504313243.8761148823%116850143725.5176782.365217442.30895267454.0400085328968.46921045524%117800146072181129.28224600.3072278504.380928345345.43235072

Un padre de familia decide ahorrar en primero de enero de 1998, un valor de 95.000 dolares en la empresa Sika Life, para su plan de jubilacion por el lapso de 35 aosLos primeros 5 aos la capitalizacion es anual al 17% (cada 5 aos cambia)a Inicios del 6to ao cambia al 9% semestral A inicios del 11 avo ao cambia al 6.5% cuatrimestralen el ao 16 vuelve cambiar su capitalizacion al 5% trimestralen el ao 21 cambia a capitalizacion al 1.7% mensual alAl ao 26 cambia al 0.5 % semanaly los ultimos 5 aos cambia a capitalizacion diaria al 22% anual.

Ejercicio VA-TASA-TIEMPO-VFVALOR ACTUALTASATIEMPO (NPER)VFVA$ 419,049.37$ 419,049.37$ 419,049.37$ 419,049.37TASA19%19%19%19%NPER5555PAGO0000VF100000010000001000000$ 1,000,000.00$ 1,000,000.00123451%423239.864640317427472.26328672431746.985919587436064.455778783440425.1003365712%427430.358349627435978.965516619444698.544826952453592.515723491462664.366037963%431620.852058937444569.477620705457906.561949326471643.758807806485793.071572044%435811.345768247453243.799598977471373.551582936490228.493646253509837.6333921035%440001.839477557462001.931451435485102.028024007509357.129425207534824.9858964676%444192.333186867470843.873178079499094.505568764529040.17590289560782.5864570637%448382.826896177479769.624778909513353.498513433549288.243409373587738.420448038%452573.320605487488779.186253926527881.52115424570112.042846579615721.0062743069%456763.814314797497872.557603129542681.087787411591522.385688278644759.40040022310%460954.308024107507049.738826518557754.71270917613530.183980087674883.20237809611%465144.801733417516310.729924093573104.910215744636146.450339475706122.55987681812%469335.295442727525655.530895855588734.194603357659382.29795576738508.17371045113%473525.789152037535084.141741802604645.080168236683248.940590107772071.30286682114%477716.282861348544596.562461936620840.081206607707757.692575532806843.76953610715%481906.776570658554192.793056256637321.712014694732919.968816899842857.96413943316%486097.270279968563872.833524762654092.486888724758747.28479092880146.85035746717%490287.763989278573636.683867455671154.920124922785251.256546159918743.97015900618%494478.257698588583484.344084334688511.526019513812443.600703026958683.4488295719%498668.751407898593415.814175398706164.818868724840336.134453782100000020%502859.245117208603431.094140649724117.312968779868940.7755625351042728.9306750421%507049.738826518613530.183980087742371.522615905898269.5423652451086906.1462619522%511240.232535828623713.08369371760929.962106326928334.5537697181132568.1555990623%515430.726245138633979.79328152779795.145736269959148.0292556111179752.075984424%519621.219954448644330.312743516798969.587801959990722.288874431228495.6382042925%523811.713663758654764.642079698818455.8025996221023069.753249531278837.1915619126%528002.207373068665282.781290066838256.3044254831056202.943576111330815.708905927%532192.701082378675884.730374621858373.6075757681090134.481621231384470.7916589628%536383.194791688686570.489333361878810.2263467021124877.089723781439842.6748464429%540573.688500998697340.058166288899568.6750345121160443.590794521496972.2321249330%544764.182210308708193.436873401920651.4679354221196846.908316051555900.98081086

FORMULASINTERES SIMPLEP1000000VALOR FUTURON12MESESI1.80%EMF+=P*(1+I*N)F1216000$ 1,238,720.53VALOR PRESENTEF1216000N12I1.80%P=F/(1+I*N)P1000000$ 981,658.06TASA DE INTERESP1000000N12F1216000I=((F/P)-1)/NI0.021.80%TIEMPOP1000000F1216000I1.80%N= ((F/P)-1)/IN12

ejercicio del 25 dee junio del 11998-2002VALOR ACTUALVA3,000.003,570.00$ 7,248.3011,625.48 16,834.32 3,570.00 1234567891011.00TASA DE INTERESTASA19.00%19.00%19.00%19.00%19.00%1%30303060.303090.903121.813153.03015033184.5604518033216.4060563213248.5701168842TIEMPONPER1.001.001.001.001.002%30603121.203183.623247.303312.24240963378.4872577923446.05700294783514.9781430068PAGO0.003,000.003000300030003%30903182.703278.183376.533477.82222293582.1568895873689.62159627463800.3102441628VALOR FUTUROVF3,570.00 7,248.30 11,625.48 16,834.32 23,032.84 4%31203244.803374.593509.583649.95870723795.9570554883947.79533770754105.70715121585%3150.003307.503472.883646.523828.84468754020.2869218754221.30126796884432.366331367226%31803370.803573.053787.434014.67673284255.5573367684510.89077697414781.54422359252002-20067%32103434.703675.133932.394207.65519214502.1910555474817.34442943535154.558539495823,032.8434,169.7347645.3863950.9183680.608%32403499.203779.144081.474407.98423044760.6229688325141.47280633865552.790630845610.00%10.00%10.00%10.00%10.00%9%32703564.303885.094234.744615.87186475031.3003325235484.11736245015977.68792507062.002.002.002.002.0010%33003630.003993.004392.304831.535314.6835846.15136430.766433000300030003000300011%33303696.304102.894554.215055.17446535611.2436564836228.48045869616913.613309152734,169.7347645.3863950.9183680.60107,553.52 12%3360.003763.204214.784720.565287.02504965921.4680555526632.04422221827427.8895288844313%3390.003830.704328.694891.425527.30553796245.8552578277057.81644134457975.33257871932007-201114%3420.003898.804444.635066.885776.24374726584.9178718087506.80637386118557.759266201734,169.7315%3450.003967.504562.635247.026034.07156256939.1822968757980.05964140629177.06858761727.00%16%3480.004036.804682.695431.926301.02497287309.1889684488478.65920339979835.244675943615.0017%3510.004106.704804.845621.666577.34410717695.4926053079003.726348209210534.359827404794,275.3718%3540.004177.204929.105816.336863.27327048098.6624590729556.42170170511276.577608011819%3570.004248.305055.486016.027159.06097978519.28256584310137.946253353212064.1560414903420%3600.004320.005184.006220.807464.968957.95210749.542412899.450882012-201621%3630.004392.305314.686430.777781.22738039415.28513016311392.495007497213784.918959071694,275.375.50%20.00275,072.68

52017-2021275,072.682.00%60.00902,521.930.061111111162022-2026902,521.9324.00%265.005,154,711,089,973,161,000,000,000,000,000.00

72027-20315,154,711,089,973,161,000,000,000,000,000.0024.00%1,800.007,434,257,866,912,613,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000.00

3,570.001234561%30303060.33090.9033121.812033153.03015033184.5604518032%30603121.23183.6243247.296483312.24240963378.4872577923%30903182.73278.1813376.526433477.82222293582.1568895874%31203244.83374.5923509.575683649.95870723795.9570554885%31503307.53472.8753646.518753828.84468754020.2869218756%31803370.83573.0483787.430884014.67673284255.5573367687%32103434.73675.1293932.388034207.65519214502.1910555478%32403499.23779.1364081.466884407.98423044760.6229688329%32703564.33885.0874234.744834615.87186475031.30033252310%3300363039934392.34831.535314.68311%33303696.34102.8934554.211235055.17446535611.24365648312%33603763.24214.7844720.558085287.02504965921.46805555213%33903830.74328.6914891.420835527.30553796245.85525782714%34203898.84444.6325066.880485776.24374726584.91787180815%34503967.54562.6255247.018756034.07156256939.18229687516%34804036.84682.6885431.918086301.02497287309.18896844817%35104106.74804.8395621.661636577.34410717695.49260530718%35404177.24929.0965816.333286863.27327048098.66245907219%35704248.35055.4776016.017637159.06097978519.28256584320%3600432051846220.87464.968957.95221%36304392.35314.6836430.766437781.22738039415.28513016322%36604465.25447.5446646.003688108.12448969891.91187731223%36904538.75582.6016866.599238445.917052910388.47797506724%37204612.85719.8727092.641288794.875187210905.645232128

UNA PRSONA DECIDE AHORRRA POER 35 AOS EN LA COMPAIA SIKA LIGHT PNSANDO EN SU JUBILACION EL VALOR DE $ 3000 PAGADEROS AL 1 ERO DE ENERO DE CADA AO LA COMPAIA SIKA LIGHT TIENE COMO PROCEDIMIENTO CAMBIAR CADA 5 AOS SU FORMA DE CAPITALIZACION , EL1 ER CICLO ES ANULA AL 19%, EL 2DO CICLO ES EL 10% ANUAL EL3 ER CICLO ES EL 7% CUATRIMESTRAL EL 4TO PERIODO AL 5.5 % TRIMESTRAL Y EL 5TO PERIDO AL 2% MENSUAL AL 6TO PERIODO CAPITALIZABLE SEMANAL AL 24% Y EL 7 MO PERIROD AL 24% DIARIO

clase del 25-11-2014FORMULA PRINCIPALF=P(1+i)^nVALOR PRESENTEVP2,486,885.95VFi2.00%n24.00VALOR FUTUROVF4000000VP2500000vp186516.45vp186516.45INTERESi2%i2%vf300000vf300000.00NUMERO DE PERIODOSn24n24n24i0.02

9-12-2014-VFUN BANCO PAGABA EL 5 % DE INTERES COMPUESTO, CAPITALIZABLE TRIMESTRALMENTE EL 01/01/1996MODIFICO LA TASA ELEVANDOLA AL 7% CAPITALIZABLE SEMESTRAL CALCULAR EL MONTO COMPUESTO QUE TENDRA EL 01/01/2016 UN DEPOSITO DE 10.000 EFECTUADO 01/04/1993

INICIALTASA0.01250.0354/1/93N. DE PERIODOS10.6666666667401/1/96PAGOVALOR ACTUAL10000$ 11,416.87TIPOVALOR FUTURO$ 11,416.87$ 45,202.35

VF=VA(1+i) ^n$ 50,000.00

1/1/6510%5.00%semestral6/1/8520.512%4.00%cuatrimestral$ 135,941.057/1/0015.08333314%3.50%trimestral$ 245,623.642/1/2019.58333316%1.33%mensual$ 481,783.603/1/3010.08333318%0.75%quincenal$ 550,623.3912/1/5020.7520%0.417%semanal$ 642,968.2712/1/651522%0.061%diario $ 684,347.3012/1/8520retiro$ 692,760.28

9-12-2014-VPQUE CAPITAL DEBO INVERTIR HOY PARA RETIRAR 10.000.000 DENTRO DE 18 MESESSUPONIENDO QUE EL CAPITAL GAN UN 28% CADA SEMESTRE

LA FORMULA FINANCIERAVP=VF*(1+I)^-N

VP$ 6,749,715.16VF10000000I28%0.14NPER18MESES3$ 6,749,715.16

9-12-2014-DCONVERTIR UNA TASA NOMINAL A TASA EFECTIVA

Ie=(1+IP)^n-1convertir una tasa del 25% anual a semestre vencido a efectiva anualIp=0.25/2=0.125NUMERO DE LIQUIDACIONES = 2Ie=(1+0.1225)^2-1Ie=02356026.56%

tasa nominal 0.25no de periodos que cabe en un ao2i perdiodica0.1250.1251+I peridodica1.1251.125(1+ip) elevado a n periodos de caben en un ao1.2656251.265625tasa efectiva26.562526.5625%

26.56%tasa nominal a efectiva8%anualsemestraldiariacuatrimestralmensualquincenalsemanal1236031224488.00%8.16%8.33%8.22%8.30%8.31%8.32%

tasa efectiva a nominalanualsemestraldiariacuatrimestralmensualquincenalsemanal1236031224488.00%8.00%8.00%8.00%8.00%8.00%8.00%VOY A CONVERTIR DE TASA NOMINAL A EFECTIVA Y VICEVERSA LA TASA ANUAL 5.75% CAPITALIZABLE TRIMESTRALMENTE

bimensualanualsemestraldiariacuatrimestralmensualquincenalsemanal241236031224480.250.5900.753612

VA750000TASACAPITALIZACIONFECHAS12%12.00%ANUAL1/1/452314%7.00%SEMESTRAL2312/30/68$ 10,164,260.4515%5.00%CUATRIMESTRAL4412/29/90$ 199,508,775.4316%4.00%TRIMESTRAL4512/28/05$ 1,792,587,902.0717%2.833%BIMENSUAL8012/27/25$ 41,318,790,957.7418%1.500%MENSUAL15012/26/50$ 2,730,452,667,618.6019%0.792%QUINCENAL26412/25/72$ 139,081,641,011,334.0020%0.417%SEMANAL50412/24/93$ 7,400,850,612,394,820.0025%0.069%DIARIA129612/23/20$ 1,620,315,389,076,940,000.00900012/22/45$ 837,525,474,201,625,200,000.00

20-01-15 (2parcial)una persona decide ahorrar para su jubilacion a inicios del 1/05/1990 un valor de 3000 anuales por un lapso de 3 aos que sera su vida productiva laboral e inversion la hace en la empresa CICALIFE la empresa paga el 18% de interses anual con esta tasa de inversion dura 4.7 aos, al 6to ao cical cambia su politica capitalizacion a semestral una tasa de interes del 9% semestral, manteniendo con este tipo de capitalizacion por 5.3 aos mas. al inicio del ao 11 vuelve a cambiar su politicca de capitalizacion al 7.5% cuatrimestral por 1 periodo de 5.8 aos al ao 16 vuelve a cambiar su poli de capita de cuatrimestral a trimestral con una tasa del 21% por un lapso de 4.2 aos al inicio delao 21 y por un lapso de 5 aos camb su capi trimestral a mensual con un interes del 4% bimensual a inicio ao 25 y al faltar poco tiempo para que se cobre su jubilacoin cambia la poli de capit de bimensual a mensual al 2% por un lapso de 5 aos y los 2 aos sgts cambia su a capitalizacion semanal al 0.5% y los 3 aos restante cambia a capitalizacion diaria del 0.1% calcular el valor futuro tanto anual semestral cuatrimentral trimestral bimensual mensual semanal y diaria. elaborar la tabla de datos considerando los 3 ultimos periodosVA3000$ 4,929.10$ 13,306.36TASA0.180.180.1835aosNPER369VF$ 4,929.10$ 13,306.36$ 59,019.753 aos18%anual4.7$ 6,402.374.589%semestral5.310.570/124.847.50%cuatrimestral5.817.0115 periodosss21%trimestral4.216.834%bimensual2802%mensual5300.50%semanal5600.10%diario335$ 4,929.10123456160001200024000480009600019200029000270008100024300072900021870003120004800019200076800030720001228800041500075000375000187500093750004687500051800010800064800038880002332800013996800062100014700010290007203000504210003529470007240001920001536000122880009830400078643200082700024300021870001968300017714700015943230009300003000003000000300000003000000003000000000103300036300039930004392300048315300053146830001136000432000518400062208000746496000895795200012390005070006591000856830001113879000144804270001342000588000823200011524800016134720002258860800014450006750001012500015187500022781250003417187500015480007680001228800019660800031457280005033164800016510008670001473900025056300042595710007241270700017540009720001749600031492800056687040001020366720001857000108300020577000390963000742829700014113764300019600001200000240000004800000009600000000192000000000206300013230002778300058344300012252303000257298363000216600014520003194400070276800015460896000340139712000

bonovaloracion de bonosbono abono baos303npernoninal10001000vfcupon %10%10%cupon $100100pagotir12%12%tasaprecio$ 838.90$ 951.96aobono abono b0($ 838.90)($ 951.96)(-vna)1100100210010031001100 4100510061007100810091001010011100121001310014100151001610017100181001910020100211002210023100241002510026100271002810029100301100

bonos 2datos del bono 2,022rendimientofecha de transaccion8/23/10liquidacion16.65%fecha de vencimiento8/23/22vencimientovalor facial100amortizacioncupon12.75%tasaprecio del bono80preciobase semestral 2frercuencia

bonos 3precio de un bono bonoaos5nominal1000cupon %5%cupon um50tir4%tirprecioaosflujo de caja4%$ 1,044.520($ 1,044.52)15025035045051050

27-01-15Con los sgts datos con fecha de inicio del 01/01/90 y con fecha de terminacion del 31/12/2050 cuya frecuencia es semanal y el precio del bono es de 160 el cupon % es del 15% valor facial 130 el nominal 2500 el cupon $ 220 y tir el 18%rendimientofecha inicio1/1/909.37%fecha final12/31/50valor facial130amorcupon15%diferencia de los aos precio del bono160pre60base semestral2aos60nominal2500cupon%15%cupon$220preciotirtir18%$ 1,222.2818%

aosflujo de caja0($ 1,222.28)1220222032204220522062207220822092201022011220122201322014220152201622017220182201922020220212202222023220242202522026220272202822029220302203122032220332203422035220362203722038220392204022041220422204322044220452204622047220482204922050220512205222053220542205522056220572205822059220602720

amortizacionesuna empresa hace un presta en cfn por un valor de 8000000 para pagar un 12 cuotas mensuales en la modalidad de amortizacion d cuota fija si la tasa de vint pactada es del 215 anual mes vencido se pide eleba la tab de amortvariable datosresultadovp8000000vp$ 10,000,000.00nper12PAGO(C8;B5;-B4)nper24mesesvftasa efec25%pago$ 744,910.19$ 738,070.86cuota fijacapitalizacion12ip0.01750.01601interes del periodointeres periodico1.87%k(# de periodos)12amortizacionescuota$ 520,850.1152136521.368.48tn21%tasa nominalteffperiodo saldo inicialinterescuota fijaamortizacionsaldo finalnsaldointerescuotaamortizacionsaldo final1$ 8,000,000.00$ 128,094.94$ 738,070.86$ 609,975.92$ 7,390,024.081$ 10,000,000.00$ 186,820.11$ 520,850.11$ 334,030.00$ 9,665,970.002$ 7,390,024.08$ 118,328.09$ 738,070.86$ 619,742.77$ 6,770,281.322$ 9,665,970.00$ 180,579.76$ 520,850.11$ 340,270.35$ 9,325,699.653$ 6,770,281.32$ 108,404.85$ 738,070.86$ 629,666.01$ 6,140,615.313$ 9,325,699.65$ 174,222.82$ 520,850.11$ 346,627.29$ 8,979,072.364$ 6,140,615.31$ 98,322.72$ 738,070.86$ 639,748.14$ 5,500,867.174$ 8,979,072.36$ 167,747.13$ 520,850.11$ 353,102.98$ 8,625,969.385$ 5,500,867.17$ 88,079.16$ 738,070.86$ 649,991.70$ 4,850,875.475$ 8,625,969.38$ 161,150.45$ 520,850.11$ 359,699.65$ 8,266,269.736$ 4,850,875.47$ 77,671.58$ 738,070.86$ 660,399.28$ 4,190,476.196$ 8,266,269.73$ 154,430.54$ 520,850.11$ 366,419.57$ 7,899,850.167$ 4,190,476.19$ 67,097.35$ 738,070.86$ 670,973.51$ 3,519,502.687$ 7,899,850.16$ 147,585.09$ 520,850.11$ 373,265.02$ 7,526,585.148$ 3,519,502.68$ 56,353.81$ 738,070.86$ 681,717.05$ 2,837,785.648$ 7,526,585.14$ 140,611.74$ 520,850.11$ 380,238.36$ 7,146,346.789$ 2,837,785.64$ 45,438.25$ 738,070.86$ 692,632.61$ 2,145,153.039$ 7,146,346.78$ 133,508.13$ 520,850.11$ 387,341.98$ 6,759,004.8010$ 2,145,153.03$ 34,347.91$ 738,070.86$ 703,722.95$ 1,441,430.0810$ 6,759,004.80$ 126,271.80$ 520,850.11$ 394,578.31$ 6,364,426.4911$ 1,441,430.08$ 23,079.99$ 738,070.86$ 714,990.87$ 726,439.2111$ 6,364,426.49$ 118,900.28$ 520,850.11$ 401,949.82$ 5,962,476.6712$ 726,439.21$ 11,631.65$ 738,070.86$ 726,439.21$ 0.0012$ 5,962,476.67$ 111,391.05$ 520,850.11$ 409,459.05$ 5,553,017.6213$ 5,553,017.62$ 103,741.53$ 520,850.11$ 417,108.57$ 5,135,909.0514$ 5,135,909.05$ 95,949.11$ 520,850.11$ 424,901.00$ 4,711,008.05nsaldo inicialinterescuota variableamortizacionsaldo final15$ 4,711,008.05$ 88,011.10$ 520,850.11$ 432,839.00$ 4,278,169.041$ 8,000,000.00$ 128,094.94$ 794,761.61$ 666,666.67$ 7,333,333.3316$ 4,278,169.04$ 79,924.80$ 520,850.11$ 440,925.31$ 3,837,243.742$ 7,333,333.33$ 117,420.36$ 784,087.03$ 666,666.67$ 6,666,666.6717$ 3,837,243.74$ 71,687.43$ 520,850.11$ 449,162.68$ 3,388,081.063$ 6,666,666.67$ 106,745.79$ 773,412.45$ 666,666.67$ 6,000,000.0018$ 3,388,081.06$ 63,296.17$ 520,850.11$ 457,553.94$ 2,930,527.124$ 6,000,000.00$ 96,071.21$ 762,737.87$ 666,666.67$ 5,333,333.3319$ 2,930,527.12$ 54,748.14$ 520,850.11$ 466,101.97$ 2,464,425.155$ 5,333,333.33$ 85,396.63$ 752,063.29$ 666,666.67$ 4,666,666.6720$ 2,464,425.15$ 46,040.42$ 520,850.11$ 474,809.69$ 1,989,615.466$ 4,666,666.67$ 74,722.05$ 741,388.72$ 666,666.67$ 4,000,000.0021$ 1,989,615.46$ 37,170.02$ 520,850.11$ 483,680.09$ 1,505,935.377$ 4,000,000.00$ 64,047.47$ 730,714.14$ 666,666.67$ 3,333,333.3322$ 1,505,935.37$ 28,133.90$ 520,850.11$ 492,716.21$ 1,013,219.178$ 3,333,333.33$ 53,372.89$ 720,039.56$ 666,666.67$ 2,666,666.6723$ 1,013,219.17$ 18,928.97$ 520,850.11$ 501,921.14$ 511,298.039$ 2,666,666.67$ 42,698.31$ 709,364.98$ 666,666.67$ 2,000,000.0024$ 511,298.03$ 9,552.08$ 520,850.11$ 511,298.030.010$ 2,000,000.00$ 32,023.74$ 698,690.40$ 666,666.67$ 1,333,333.3311$ 1,333,333.33$ 21,349.16$ 688,015.82$ 666,666.67$ 666,666.6712$ 666,666.67$ 10,674.58$ 677,341.25$ 666,666.670.0nsaldo inicialinterescuota variableamortizacionsaldo final1$ 10,000,000.00$ 186,820.11$ 10,186,820.11$ 416,666.67$ 9,583,333.332$ 9,583,333.33$ 179,035.94$ 9,762,369.27$ 416,666.67$ 9,166,666.673$ 9,166,666.67$ 171,251.77$ 9,337,918.43$ 416,666.67$ 8,750,000.004$ 8,750,000.00$ 163,467.59$ 8,913,467.59$ 416,666.67$ 8,333,333.335$ 8,333,333.33$ 155,683.42$ 8,489,016.76$ 416,666.67$ 7,916,666.676$ 7,916,666.67$ 147,899.25$ 8,064,565.92$ 416,666.67$ 7,500,000.007$ 7,500,000.00$ 140,115.08$ 7,640,115.08$ 416,666.67$ 7,083,333.338$ 7,083,333.33$ 132,330.91$ 7,215,664.24$ 416,666.67$ 6,666,666.679$ 6,666,666.67$ 124,546.74$ 6,791,213.40$ 416,666.67$ 6,250,000.0010$ 6,250,000.00$ 116,762.57$ 6,366,762.57$ 416,666.67$ 5,833,333.3311$ 5,833,333.33$ 108,978.40$ 5,942,311.73$ 416,666.67$ 5,416,666.6712$ 5,416,666.67$ 101,194.22$ 5,517,860.89$ 416,666.67$ 5,000,000.0013$ 5,000,000.00$ 93,410.05$ 5,093,410.05$ 416,666.67$ 4,583,333.3314$ 4,583,333.33$ 85,625.88$ 4,668,959.22$ 416,666.67$ 4,166,666.6715$ 4,166,666.67$ 77,841.71$ 4,244,508.38$ 416,666.67$ 3,750,000.0016$ 3,750,000.00$ 70,057.54$ 3,820,057.54$ 416,666.67$ 3,333,333.3317$ 3,333,333.33$ 62,273.37$ 3,395,606.70$ 416,666.67$ 2,916,666.6718$ 2,916,666.67$ 54,489.20$ 2,971,155.86$ 416,666.67$ 2,500,000.0019$ 2,500,000.00$ 46,705.03$ 2,546,705.03$ 416,666.67$ 2,083,333.3320$ 2,083,333.33$ 38,920.86$ 2,122,254.19$ 416,666.67$ 1,666,666.6721$ 1,666,666.67$ 31,136.68$ 1,697,803.35$ 416,666.67$ 1,250,000.0022$ 1,250,000.00$ 23,352.51$ 1,273,352.51$ 416,666.67$ 833,333.3323$ 833,333.33$ 15,568.34$ 848,901.68$ 416,666.67$ 416,666.6724$ 416,666.67$ 7,784.17$ 424,450.84$ 416,666.67$ -0.00

tabla de amorti de interestabla amortizacion interes compuestotabla amortizacion interes simplemesesmonto inicialinteresmonto finalmesesmonto inicialinteresmonto final11000000.0023000.001023000.0011000000230001023000102300021023000.0023529.001046529.00210000002300010460001046000I4+SUMA($J$3:J4)31046529.0024070.171070599.16731000000230001069000106900041070599.1724623.781095222.9478412.30%interes41000000230001092000109200051095222.9525190.131120413.0756413451000000230001115000111500061120413.0825769.501146182.5763810961000000230001138000113800071146182.5826362.201172544.7756378671000000230001161000116100081172544.7826968.531199513.3054775381000000230001184000118400091199513.3127588.811227102.11150351910000002300012070001207000101227102.1128223.351255325.460068091010000002300012300001230000111255325.4628872.491284197.945649661110000002300012300001253000121284197.9529536.551313734.501210000002300012760001276000

03-02-15 buscarvcodigonombreructrato1carlos ruiz1722908330ingeniero2juan rodriguez1722908331abogado3marianela heredia1722908332seorita conversona4vicente arroba1722908333seor5carolina bustamante1722908334seorita conversona plus6ana maria marquez1722908335seorita boxeadora7sophia dejo1722908336seorita8liseth escobar1722908337seorita9giselle alcivar mora1722908338seorita reclamona

Hoja2cliente1tratoingenieroruc1722908330codigo1nombrecarlos ruiz

Hoja3listado de alunmos excel financiero martes de 19:00 a22:00 horascodcedulasnombrescarrera1927643015 paula loor2927643016elena torres3927643017 cristina solorzano4927643018ana paula lopez5927643019maria jose rezabala6927643020jose lopez7927643021joselin lucas8927643022joselyne troncozo9927643023john michilena10927643024nicole avila11927643025jessily murillo12927643026yaritza moscozo13927643027tania toala14927643028jeison murillo15927643029emilio zambrano16927643030tatiana mera17927643031sara agueda18927643032adrian mancheno19927643033victor lopez20927643034eduardo diaz

Hoja4combinacionnombresmateriacalificacion totalcalificacion 1calificacion 2calificacion 3 paula loorcatellano paula loorcatellano9324 paula loorfisica paula loorfisica7.631.53.1 paula loorquimica paula loorquimica8.2233.2 paula loorgeometria paula loorgeometria4121 paula loormatematicas paula loormatematicas8224 paula loorhistoria paula loorhistoria6312elena torrescatellanoelena torrescatellano51.51.52elena torresfisicaelena torresfisica9432elena torresquimicaelena torresquimica9522elena torresgeometriaelena torresgeometria4121elena torresmatematicaselena torresmatematicas7.631.53.1elena torreshistoriaelena torreshistoria9432 cristina solorzanocatellano cristina solorzanocatellano5.5320.5 cristina solorzanofisica cristina solorzanofisica10532 cristina solorzanoquimica cristina solorzanoquimica8.2530.2 cristina solorzanogeometria cristina solorzanogeometria7412 cristina solorzanomatematicas cristina solorzanomatematicas9531 cristina solorzanohistoria cristina solorzanohistoria7.22.232ana paula lopezcatellanoana paula lopezcatellano10532ana paula lopezfisicaana paula lopezfisica6132ana paula lopezquimicaana paula lopezquimica353032ana paula lopezgeometriaana paula lopezgeometria6.51.532ana paula lopezmatematicasana paula lopezmatematicas5.20.232ana paula lopezhistoriaana paula lopezhistoria8332maria jose rezabalacatellanomaria jose rezabalacatellano7232maria jose rezabalafisicamaria jose rezabalafisica3.60.50.13maria jose rezabalaquimicamaria jose rezabalaquimica6.21.232maria jose rezabalageometriamaria jose rezabalageometria7.52.532maria jose rezabalamatematicasmaria jose rezabalamatematicas6132maria jose rezabalahistoriamaria jose rezabalahistoria5.230.2332jose lopezcatellanojose lopezcatellano8.1530.1jose lopezfisicajose lopezfisica10532jose lopezquimicajose lopezquimica10532jose lopezgeometriajose lopezgeometria4.71.21.52jose lopezmatematicasjose lopezmatematicas1.60.30.31jose lopezhistoriajose lopezhistoria7232joselin lucascatellanojoselin lucascatellano8431joselin lucasfisicajoselin lucasfisica2.310.31joselin lucasquimicajoselin lucasquimica7232joselin lucasgeometriajoselin lucasgeometria8332joselin lucasmatematicasjoselin lucasmatematicas8.5431.5joselin lucashistoriajoselin lucashistoria6132joselyne troncozocatellanojoselyne troncozocatellano5.10.132joselyne troncozofisicajoselyne troncozofisica21.20.30.5joselyne troncozoquimicajoselyne troncozoquimica6132joselyne troncozogeometriajoselyne troncozogeometria8332joselyne troncozomatematicasjoselyne troncozomatematicas7232joselyne troncozohistoriajoselyne troncozohistoria8.3431.3john michilenacatellanojohn michilenacatellano5.30.332john michilenafisicajohn michilenafisica6132john michilenaquimicajohn michilenaquimica7.32.332john michilenageometriajohn michilenageometria7.84.330.5john michilenamatematicasjohn michilenamatematicas5.20.232john michilenahistoriajohn michilenahistoria3.110.12nicole avilacatellanonicole avilacatellano4.71.51.22nicole avilafisicanicole avilafisica8.13.132nicole avilaquimicanicole avilaquimica6132nicole avilageometrianicole avilageometria40.530.5nicole avilamatematicasnicole avilamatematicas4.30.331nicole avilahistorianicole avilahistoria6.251.2532jessily murillocatellanojessily murillocatellano8.32.324jessily murillofisicajessily murillofisica6.51.532jessily murilloquimicajessily murilloquimica7.32.332jessily murillogeometriajessily murillogeometria4.40.31.13jessily murillomatematicasjessily murillomatematicas5.60.632jessily murillohistoriajessily murillohistoria5.90.932yaritza moscozocatellanoyaritza moscozocatellano5.10.132yaritza moscozofisicayaritza moscozofisica6132yaritza moscozoquimicayaritza moscozoquimica7.22.232yaritza moscozogeometriayaritza moscozogeometria6.11.132yaritza moscozomatematicasyaritza moscozomatematicas6.21.232yaritza moscozohistoriayaritza moscozohistoria5.30.332tania toalacatellanotania toalacatellano5.10.132tania toalafisicatania toalafisica8.13.132tania toalaquimicatania toalaquimica7.22.232tania toalageometriatania toalageometria6132tania toalamatematicastania toalamatematicas7133tania toalahistoriatania toalahistoria5.70.241.5jeison murillocatellanojeison murillocatellano6.31.332jeison murillofisicajeison murillofisica7.32.332jeison murilloquimicajeison murilloquimica6.21.232jeison murillogeometriajeison murillogeometria3.851.31.51.05jeison murillomatematicasjeison murillomatematicas5.30.332jeison murillohistoriajeison murillohistoria5.10.132emilio zambranocatellanoemilio zambranocatellano6.11.132emilio zambranofisicaemilio zambranofisica7.62.632emilio zambranoquimicaemilio zambranoquimica7.64.130.5emilio zambranogeometriaemilio zambranogeometria6.21.232emilio zambranomatematicasemilio zambranomatematicas5.10.132emilio zambranohistoriaemilio zambranohistoria7.32.332tatiana meracatellanotatiana meracatellano8.43.432tatiana merafisicatatiana merafisica5.50.532tatiana meraquimicatatiana meraquimica5.10.132tatiana merageometriatatiana merageometria8.13.132tatiana meramatematicastatiana meramatematicas3.20.130.1tatiana merahistoriatatiana merahistoria7412sara aguedacatellanosara aguedacatellano5.50.532sara aguedafisicasara aguedafisica8314sara aguedaquimicasara aguedaquimica7.32.332sara aguedageometriasara aguedageometria7232sara aguedamatematicassara aguedamatematicas6.51.532sara aguedahistoriasara aguedahistoria8233adrian manchenocatellanoadrian manchenocatellano6.11.132adrian manchenofisicaadrian manchenofisica5.50.532adrian manchenoquimicaadrian manchenoquimica5.30.314adrian manchenogeometriaadrian manchenogeometria5.20.232adrian manchenomatematicasadrian manchenomatematicas5122adrian manchenohistoriaadrian manchenohistoria8431victor lopezcatellanovictor lopezcatellano7232victor lopezfisicavictor lopezfisica7412victor lopezquimicavictor lopezquimica5.4230.4victor lopezgeometriavictor lopezgeometria5.11.122victor lopezmatematicasvictor lopezmatematicas8332victor lopezhistoriavictor lopezhistoria6132eduardo diazcatellanoeduardo diazcatellano7.52.532eduardo diazfisicaeduardo diazfisica7142eduardo diazquimicaeduardo diazquimica7.1430.1eduardo diazgeometriaeduardo diazgeometria8332eduardo diazmatematicaseduardo diazmatematicas9531eduardo diazhistoriaeduardo diazhistoria7.52.532

Hoja5combinacioncodnombresmateriacalificacion totalcalificacion 1calificacion 2calificacion 3 paula loorcatellano93241 paula loorcatellano9324elena torresfisica94322elena torresfisica9432 cristina solorzanoquimica8.2233.23 cristina solorzanoquimica8.2233.2ana paula lopezgeometria41214ana paula lopezgeometria4121maria jose rezabalamatematicas82245maria jose rezabalamatematicas8224jose lopezhistoria63126jose lopezhistoria6312joselin lucascatellano51.51.527joselin lucascatellano51.51.52joselyne troncozofisica94328joselyne troncozofisica9432john michilenaquimica95229john michilenaquimica9522nicole avilageometria412110nicole avilageometria4121jessily murillomatematicas7.631.53.111jessily murillomatematicas7.631.53.1yaritza moscozohistoria943212yaritza moscozohistoria9432tania toalacatellano5.5320.513tania toalacatellano5.5320.5jeison murillofisica1053214jeison murillofisica10532emilio zambranoquimica8.2530.215emilio zambranoquimica8.2530.2tatiana merageometria741216tatiana merageometria7412sara aguedamatematicas953117sara aguedamatematicas9531adrian manchenohistoria843118adrian manchenohistoria8431victor lopezcatellano723219victor lopezcatellano7232eduardo diazfisica714220eduardo diazfisica7142