• Author / Uploaded
• lizeth quispe

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1 1.

Considero que mis ingresos el próximo mes son de $800.000 y estos aumentan mes a mes en $20.000 mensuales. La tasa de interés es del 2% mensual sobre saldos. Si recibiera esa cantidad dentro de doce meses, cual sería el monto correspondiente?

DATOS VALOR TEM GRADIENTE PLAZO

$ $

Np 0 1 2 3 4 5 6 7 8 9 10 11 12

2

1.

800,000.00 2% 20,000.00 12

CUOTA $ $ -29,637.16 $ -9,637.16 $ 10,362.84 $ 30,362.84 $ 50,362.84 $ 70,362.84 $ 90,362.84 $ 110,362.84 $ 130,362.84 $ 150,362.84 $ 170,362.84 $ 190,362.84

INTERES $ $ $ $ $ $ $ $ $ $ $ $ $

16,000.00 16,912.74 17,443.74 17,585.36 17,329.81 16,669.15 15,595.28 14,099.92 12,174.67 9,810.90 6,999.86 3,732.60

AMORTIZACION $ $ -45,637.16 $ -26,549.91 $ -7,080.90 $ 12,777.48 $ 33,033.03 $ 53,693.69 $ 74,767.56 $ 96,262.91 $ 118,188.17 $ 140,551.93 $ 163,362.97 $ 186,630.23

SALDO $ 800,000.00 $ 845,637.16 $ 872,187.07 $ 879,267.97 $ 866,490.50 $ 833,457.47 $ 779,763.78 $ 704,996.22 $ 608,733.31 $ 490,545.14 $ 349,993.20 $ 186,630.23 $ -0.00

Al revisar mis gastos encuentro que los servicios aumentan mes a mes en el 3% mensual. Los egresos del primer mes son de $100.000. Si considerara la posibilidad de pagar esos gastos hoy para los próximos doce meses y el costo del dinero es del 2.5% mensual. Cuál sería la cantidad que debo depositar en el banco.

DATOS GRADIENTE VI INTERES NP

Np

3% 100000 2.50% MENSUAL 12

CUOTA 0 $ 1 $ 8,314.92 2 $ 8,564.36 3 $ 8,821.29

INTERES $ $ $ $

2,500.00 2,354.63 2,199.38

AMORTIZACION $ $ 5,814.92 $ 6,209.74 $ 6,621.91

SALDO $ 100,000.00 $ 94,185.08 $ 87,975.35 $ 81,353.44

4 5 6 7 8 9 10 11 12

$ $ $ $ $ $ $ $ $

9,085.93 9,358.51 9,639.27 9,928.44 10,226.30 10,533.09 10,849.08 11,174.55 11,509.79

$ $ $ $ $ $ $ $ $

2,033.84 1,857.53 1,670.01 1,470.78 1,259.34 1,035.16 797.71 546.43 280.73

$ $ $ $ $ $ $ $ $

7,052.10 7,500.98 7,969.26 8,457.67 8,966.96 9,497.93 10,051.37 10,628.12 11,229.06

$ $ $ $ $ $ $ $ $

74,301.34 66,800.36 58,831.10 50,373.44 41,406.47 31,908.55 21,857.18 11,229.06 -

7 1. Hallar el valor presente de 15 pagos que crecen un 25% respecto al anterior, el primer pago es de $800.000; interés 12%.

1.

Hallar el valor presente de 15 pagos que crecen un 25% respecto al anterior, el primer pago es de $800.000; interés 12%.

DATOS: VI INTERES GRADIENTE PERIODOS

$

PERIODOS

CUOTA 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

80,000.00 12% 25.00% 15

S/0.00 S/24,805.96 S/31,007.46 S/38,759.32 S/48,449.15 S/60,561.44 S/75,701.80 S/94,627.25 S/118,284.06 S/147,855.07 S/184,818.84 S/231,023.55 S/288,779.43 S/360,974.29 S/451,217.87 S/564,022.33

INTERES

AMORTIZACIÓN SALDO S/0.00 S/0.00 S/800,000.00 S/96,000.00 -S/71,194.04 S/871,194.04 S/104,543.28 -S/73,535.83 S/944,729.86 S/113,367.58 -S/74,608.26 S/1,019,338.13 S/122,320.58 -S/73,871.43 S/1,093,209.55 S/131,185.15 -S/70,623.71 S/1,163,833.26 S/139,659.99 -S/63,958.20 S/1,227,791.46 S/147,334.98 -S/52,707.73 S/1,280,499.19 S/153,659.90 -S/35,375.85 S/1,315,875.03 S/157,905.00 -S/10,049.93 S/1,325,924.97 S/159,111.00 S/25,707.84 S/1,300,217.13 S/156,026.06 S/74,997.49 S/1,225,219.63 S/147,026.36 S/141,753.08 S/1,083,466.55 S/130,015.99 S/230,958.31 S/852,508.25 S/102,300.99 S/348,916.88 S/503,591.37 S/60,430.96 S/503,591.37 S/0.00

8 1. Me hicieron un préstamo en el banco y me comprometí a pagarlo en 60 pagos mensuales que inician

con $100.000 y cada mes suben $5.000. Si la tasa de interés es del 8% CM. ¿Cuanto dinero me prestaron?

DATOS VI INTERES GRADIENTE PERIODOS

$

PERIODOS

100,000.00 8% S/5,000.00 60

CUOTA 0 1 2 3 4

S/0.00 -S/135,534.62 -S/130,534.62 -S/125,534.62 -S/120,534.62

0.0067 MENSUAL

INTERES

AMORTIZACIÓN SALDO S/0.00 S/0.00 S/100,000.00 S/666.67 -S/136,201.28 S/236,201.28 S/1,574.68 -S/132,109.29 S/368,310.58 S/2,455.40 -S/127,990.02 S/496,300.60 S/3,308.67 -S/123,843.29 S/620,143.89

5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

-S/115,534.62 -S/110,534.62 -S/105,534.62 -S/100,534.62 -S/95,534.62 -S/90,534.62 -S/85,534.62 -S/80,534.62 -S/75,534.62 -S/70,534.62 -S/65,534.62 -S/60,534.62 -S/55,534.62 -S/50,534.62 -S/45,534.62 -S/40,534.62 -S/35,534.62 -S/30,534.62 -S/25,534.62 -S/20,534.62 -S/15,534.62 -S/10,534.62 -S/5,534.62 -S/534.62 S/4,465.38 S/9,465.38 S/14,465.38 S/19,465.38 S/24,465.38 S/29,465.38 S/34,465.38 S/39,465.38 S/44,465.38 S/49,465.38 S/54,465.38 S/59,465.38 S/64,465.38 S/69,465.38 S/74,465.38 S/79,465.38 S/84,465.38 S/89,465.38 S/94,465.38 S/99,465.38 S/104,465.38

S/4,134.29 S/4,932.09 S/5,701.86 S/6,443.44 S/7,156.63 S/7,841.24 S/8,497.07 S/9,123.95 S/9,721.68 S/10,290.05 S/10,828.88 S/11,337.97 S/11,817.12 S/12,266.13 S/12,684.81 S/13,072.94 S/13,430.32 S/13,756.75 S/14,052.03 S/14,315.94 S/14,548.28 S/14,748.83 S/14,917.39 S/15,053.73 S/15,157.65 S/15,228.94 S/15,267.36 S/15,272.71 S/15,244.75 S/15,183.28 S/15,088.07 S/14,958.89 S/14,795.51 S/14,597.71 S/14,365.26 S/14,097.93 S/13,795.48 S/13,457.68 S/13,084.29 S/12,675.09 S/12,229.82 S/11,748.25 S/11,230.13 S/10,675.23 S/10,083.30

-S/119,668.91 -S/115,466.70 -S/111,236.48 -S/106,978.06 -S/102,691.24 -S/98,375.85 -S/94,031.69 -S/89,658.57 -S/85,256.29 -S/80,824.67 -S/76,363.50 -S/71,872.59 -S/67,351.74 -S/62,800.75 -S/58,219.42 -S/53,607.55 -S/48,964.94 -S/44,291.37 -S/39,586.65 -S/34,850.56 -S/30,082.89 -S/25,283.45 -S/20,452.00 -S/15,588.35 -S/10,692.27 -S/5,763.55 -S/801.98 S/4,192.68 S/9,220.63 S/14,282.10 S/19,377.31 S/24,506.49 S/29,669.87 S/34,867.67 S/40,100.12 S/45,367.46 S/50,669.91 S/56,007.70 S/61,381.09 S/66,790.30 S/72,235.57 S/77,717.14 S/83,235.25 S/88,790.15 S/94,382.09

S/739,812.80 S/855,279.50 S/966,515.98 S/1,073,494.04 S/1,176,185.28 S/1,274,561.14 S/1,368,592.83 S/1,458,251.40 S/1,543,507.69 S/1,624,332.36 S/1,700,695.86 S/1,772,568.45 S/1,839,920.19 S/1,902,720.94 S/1,960,940.37 S/2,014,547.92 S/2,063,512.86 S/2,107,804.23 S/2,147,390.87 S/2,182,241.43 S/2,212,324.32 S/2,237,607.77 S/2,258,059.77 S/2,273,648.12 S/2,284,340.39 S/2,290,103.95 S/2,290,905.92 S/2,286,713.25 S/2,277,492.62 S/2,263,210.52 S/2,243,833.21 S/2,219,326.72 S/2,189,656.84 S/2,154,789.17 S/2,114,689.05 S/2,069,321.60 S/2,018,651.69 S/1,962,643.99 S/1,901,262.90 S/1,834,472.60 S/1,762,237.04 S/1,684,519.90 S/1,601,284.65 S/1,512,494.50 S/1,418,112.42

50 51 52 53 54 55 56 57 58 59 60

S/109,465.38 S/114,465.38 S/119,465.38 S/124,465.38 S/129,465.38 S/134,465.38 S/139,465.38 S/144,465.38 S/149,465.38 S/154,465.38 S/159,465.38

S/9,454.08 S/8,787.34 S/8,082.82 S/7,340.27 S/6,559.44 S/5,740.06 S/4,881.89 S/3,984.67 S/3,048.13 S/2,072.02 S/1,056.06

S/100,011.30 S/105,678.04 S/111,382.56 S/117,125.11 S/122,905.95 S/128,725.32 S/134,583.49 S/140,480.71 S/146,417.25 S/152,393.36 S/158,409.32

S/1,318,101.12 S/1,212,423.07 S/1,101,040.51 S/983,915.40 S/861,009.45 S/732,284.13 S/597,700.65 S/457,219.93 S/310,802.68 S/158,409.32 S/0.00

s a mes en $20.000 idad dentro de doce

nsual. Los egresos stos hoy para los antidad que debo

imer pago es de

imer pago es de

uales que inician uanto dinero me

EJERCICIO 9

9 1. Cuanto reuniré mediante 120 depósitos mensuales al 15% efectivo anual si el primer depósito que rea $400.000 y de hay en adelante cada depósito disminuye $2.000.

DATOS VI INTERES COUTA GRADIENTE CUOTA

PERIODO 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

S/0.00 S/400,000.00 S/398,000.00 S/396,000.00 S/394,000.00 S/392,000.00 S/390,000.00 S/388,000.00 S/386,000.00 S/384,000.00 S/382,000.00 S/380,000.00 S/378,000.00 S/376,000.00 S/374,000.00 S/372,000.00 S/370,000.00 S/368,000.00 S/366,000.00 S/364,000.00 S/362,000.00 S/360,000.00 S/358,000.00 S/356,000.00 S/354,000.00 S/352,000.00 S/350,000.00 S/348,000.00 S/346,000.00 S/344,000.00 S/342,000.00 S/340,000.00 S/338,000.00 S/336,000.00 S/334,000.00

INTERES

400000 15% 0.0117 120 MESES -2000 MESNUAL SMORTIZACION S/0.00 S/0.00 S/231,768.86 S/168,231.14 S/229,800.56 S/168,199.44 S/227,832.62 S/168,167.38 S/225,865.06 S/168,134.94 S/223,897.89 S/168,102.11 S/221,931.09 S/168,068.91 S/219,964.69 S/168,035.31 S/217,998.67 S/168,001.33 S/216,033.06 S/167,966.94 S/214,067.84 S/167,932.16 S/212,103.04 S/167,896.96 S/210,138.64 S/167,861.36 S/208,174.66 S/167,825.34 S/206,211.11 S/167,788.89 S/204,247.98 S/167,752.02 S/202,285.28 S/167,714.72 S/200,323.02 S/167,676.98 S/198,361.20 S/167,638.80 S/196,399.82 S/167,600.18 S/194,438.90 S/167,561.10 S/192,478.44 S/167,521.56 S/190,518.43 S/167,481.57 S/188,558.90 S/167,441.10 S/186,599.84 S/167,400.16 S/184,641.26 S/167,358.74 S/182,683.16 S/167,316.84 S/180,725.55 S/167,274.45 S/178,768.44 S/167,231.56 S/176,811.83 S/167,188.17 S/174,855.73 S/167,144.27 S/172,900.14 S/167,099.86 S/170,945.07 S/167,054.93 S/168,990.53 S/167,009.47 S/167,036.52 S/166,963.48

35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79

S/332,000.00 S/330,000.00 S/328,000.00 S/326,000.00 S/324,000.00 S/322,000.00 S/320,000.00 S/318,000.00 S/316,000.00 S/314,000.00 S/312,000.00 S/310,000.00 S/308,000.00 S/306,000.00 S/304,000.00 S/302,000.00 S/300,000.00 S/298,000.00 S/296,000.00 S/294,000.00 S/292,000.00 S/290,000.00 S/288,000.00 S/286,000.00 S/284,000.00 S/282,000.00 S/280,000.00 S/278,000.00 S/276,000.00 S/274,000.00 S/272,000.00 S/270,000.00 S/268,000.00 S/266,000.00 S/264,000.00 S/262,000.00 S/260,000.00 S/258,000.00 S/256,000.00 S/254,000.00 S/252,000.00 S/250,000.00 S/248,000.00 S/246,000.00 S/244,000.00

S/165,083.05 S/163,130.12 S/161,177.74 S/159,225.92 S/157,274.66 S/155,323.98 S/153,373.87 S/151,424.34 S/149,475.41 S/147,527.07 S/145,579.34 S/143,632.21 S/141,685.71 S/139,739.83 S/137,794.59 S/135,849.99 S/133,906.03 S/131,962.73 S/130,020.10 S/128,078.13 S/126,136.85 S/124,196.25 S/122,256.34 S/120,317.14 S/118,378.65 S/116,440.88 S/114,503.84 S/112,567.54 S/110,631.98 S/108,697.17 S/106,763.13 S/104,829.86 S/102,897.37 S/100,965.66 S/99,034.76 S/97,104.67 S/95,175.39 S/93,246.95 S/91,319.34 S/89,392.57 S/87,466.67 S/85,541.63 S/83,617.46 S/81,694.19 S/79,771.81

S/166,916.95 S/166,869.88 S/166,822.26 S/166,774.08 S/166,725.34 S/166,676.02 S/166,626.13 S/166,575.66 S/166,524.59 S/166,472.93 S/166,420.66 S/166,367.79 S/166,314.29 S/166,260.17 S/166,205.41 S/166,150.01 S/166,093.97 S/166,037.27 S/165,979.90 S/165,921.87 S/165,863.15 S/165,803.75 S/165,743.66 S/165,682.86 S/165,621.35 S/165,559.12 S/165,496.16 S/165,432.46 S/165,368.02 S/165,302.83 S/165,236.87 S/165,170.14 S/165,102.63 S/165,034.34 S/164,965.24 S/164,895.33 S/164,824.61 S/164,753.05 S/164,680.66 S/164,607.43 S/164,533.33 S/164,458.37 S/164,382.54 S/164,305.81 S/164,228.19

80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120

10

1.

S/242,000.00 S/240,000.00 S/238,000.00 S/236,000.00 S/234,000.00 S/232,000.00 S/230,000.00 S/228,000.00 S/226,000.00 S/224,000.00 S/222,000.00 S/220,000.00 S/218,000.00 S/216,000.00 S/214,000.00 S/212,000.00 S/210,000.00 S/208,000.00 S/206,000.00 S/204,000.00 S/202,000.00 S/200,000.00 S/198,000.00 S/196,000.00 S/194,000.00 S/192,000.00 S/190,000.00 S/188,000.00 S/186,000.00 S/184,000.00 S/182,000.00 S/180,000.00 S/178,000.00 S/176,000.00 S/174,000.00 S/172,000.00 S/170,000.00 S/168,000.00 S/166,000.00 S/164,000.00 S/162,000.00

S/77,850.34 S/75,929.79 S/74,010.17 S/72,091.48 S/70,173.76 S/68,256.99 S/66,341.20 S/64,426.39 S/62,512.58 S/60,599.77 S/58,687.99 S/56,777.24 S/54,867.53 S/52,958.88 S/51,051.30 S/49,144.80 S/47,239.40 S/45,335.10 S/43,431.92 S/41,529.87 S/39,628.97 S/37,729.23 S/35,830.66 S/33,933.28 S/32,037.10 S/30,142.13 S/28,248.40 S/26,355.90 S/24,464.67 S/22,574.70 S/20,686.03 S/18,798.66 S/16,912.60 S/15,027.88 S/13,144.50 S/11,262.49 S/9,381.86 S/7,502.63 S/5,624.81 S/3,748.42 S/1,873.48

S/164,149.66 S/164,070.21 S/163,989.83 S/163,908.52 S/163,826.24 S/163,743.01 S/163,658.80 S/163,573.61 S/163,487.42 S/163,400.23 S/163,312.01 S/163,222.76 S/163,132.47 S/163,041.12 S/162,948.70 S/162,855.20 S/162,760.60 S/162,664.90 S/162,568.08 S/162,470.13 S/162,371.03 S/162,270.77 S/162,169.34 S/162,066.72 S/161,962.90 S/161,857.87 S/161,751.60 S/161,644.10 S/161,535.33 S/161,425.30 S/161,313.97 S/161,201.34 S/161,087.40 S/160,972.12 S/160,855.50 S/160,737.51 S/160,618.14 S/160,497.37 S/160,375.19 S/160,251.58 S/160,126.52

Cuanto reuniré mediante una serie de 180 depósitos mensuales que inician en $300.000 y que cada mes aumentan 0.5%, si los efectúo en una institución que paga el 10% capitalizable mensual?

DATOS DEPOSITOS GRADIENTE Vi TASA PERIODO

CUOTA 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37

180 meses 0.50% 300000 10% 0.008333333333333 INTERES

S/0.00 S/300,000.00 S/301,500.00 S/303,007.50 S/304,522.54 S/306,045.15 S/307,575.38 S/309,113.25 S/310,658.82 S/312,212.11 S/313,773.17 S/315,342.04 S/316,918.75 S/318,503.34 S/320,095.86 S/321,696.34 S/323,304.82 S/324,921.35 S/326,545.95 S/328,178.68 S/329,819.58 S/331,468.67 S/333,126.02 S/334,791.65 S/336,465.60 S/338,147.93 S/339,838.67 S/341,537.87 S/343,245.56 S/344,961.78 S/346,686.59 S/348,420.02 S/350,162.12 S/351,912.94 S/353,672.50 S/355,440.86 S/357,218.07 S/359,004.16

SMORTIZACION S/0.00 S/336,752.71 S/337,058.99 S/337,355.31 S/337,641.54 S/337,917.53 S/338,183.14 S/338,438.20 S/338,682.58 S/338,916.11 S/339,138.64 S/339,350.02 S/339,550.09 S/339,738.68 S/339,915.64 S/340,080.81 S/340,234.01 S/340,375.09 S/340,503.87 S/340,620.18 S/340,723.86 S/340,814.73 S/340,892.62 S/340,957.34 S/341,008.72 S/341,046.58 S/341,070.73 S/341,081.00 S/341,077.19 S/341,059.12 S/341,026.60 S/340,979.44 S/340,917.43 S/340,840.39 S/340,748.12 S/340,640.42 S/340,517.08 S/340,377.90

S/0.00 -S/36,752.71 -S/35,558.99 -S/34,347.81 -S/33,119.00 -S/31,872.38 -S/30,607.76 -S/29,324.95 -S/28,023.76 -S/26,703.99 -S/25,365.47 -S/24,007.98 -S/22,631.34 -S/21,235.34 -S/19,819.78 -S/18,384.47 -S/16,929.19 -S/15,453.74 -S/13,957.92 -S/12,441.50 -S/10,904.29 -S/9,346.06 -S/7,766.60 -S/6,165.69 -S/4,543.11 -S/2,898.65 -S/1,232.06 S/456.87 S/2,168.36 S/3,902.66 S/5,659.99 S/7,440.59 S/9,244.69 S/11,072.54 S/12,924.38 S/14,800.45 S/16,700.99 S/18,626.25

38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82

S/360,799.18 S/362,603.17 S/364,416.19 S/366,238.27 S/368,069.46 S/369,909.81 S/371,759.36 S/373,618.16 S/375,486.25 S/377,363.68 S/379,250.50 S/381,146.75 S/383,052.48 S/384,967.74 S/386,892.58 S/388,827.05 S/390,771.18 S/392,725.04 S/394,688.66 S/396,662.11 S/398,645.42 S/400,638.64 S/402,641.84 S/404,655.05 S/406,678.32 S/408,711.71 S/410,755.27 S/412,809.05 S/414,873.09 S/416,947.46 S/419,032.20 S/421,127.36 S/423,232.99 S/425,349.16 S/427,475.90 S/429,613.28 S/431,761.35 S/433,920.16 S/436,089.76 S/438,270.21 S/440,461.56 S/442,663.87 S/444,877.18 S/447,101.57 S/449,337.08

S/340,222.69 S/340,051.22 S/339,863.28 S/339,658.67 S/339,437.18 S/339,198.58 S/338,942.65 S/338,669.18 S/338,377.93 S/338,068.70 S/337,741.24 S/337,395.33 S/337,030.73 S/336,647.22 S/336,244.55 S/335,822.48 S/335,380.78 S/334,919.19 S/334,437.48 S/333,935.38 S/333,412.66 S/332,869.05 S/332,304.31 S/331,718.16 S/331,110.35 S/330,480.62 S/329,828.69 S/329,154.31 S/328,457.18 S/327,737.05 S/326,993.63 S/326,226.64 S/325,435.80 S/324,620.83 S/323,781.42 S/322,917.30 S/322,028.17 S/321,113.73 S/320,173.67 S/319,207.71 S/318,215.52 S/317,196.80 S/316,151.24 S/315,078.53 S/313,978.33

S/20,576.49 S/22,551.96 S/24,552.91 S/26,579.60 S/28,632.28 S/30,711.23 S/32,816.71 S/34,948.98 S/37,108.31 S/39,294.98 S/41,509.26 S/43,751.42 S/46,021.75 S/48,320.52 S/50,648.03 S/53,004.56 S/55,390.40 S/57,805.85 S/60,251.19 S/62,726.72 S/65,232.76 S/67,769.59 S/70,337.53 S/72,936.89 S/75,567.97 S/78,231.09 S/80,926.58 S/83,654.74 S/86,415.91 S/89,210.41 S/92,038.56 S/94,900.71 S/97,797.19 S/100,728.33 S/103,694.48 S/106,695.98 S/109,733.18 S/112,806.43 S/115,916.08 S/119,062.50 S/122,246.04 S/125,467.06 S/128,725.94 S/132,023.04 S/135,358.74

83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127

S/451,583.76 S/453,841.68 S/456,110.89 S/458,391.45 S/460,683.40 S/462,986.82 S/465,301.75 S/467,628.26 S/469,966.40 S/472,316.24 S/474,677.82 S/477,051.21 S/479,436.46 S/481,833.64 S/484,242.81 S/486,664.03 S/489,097.35 S/491,542.83 S/494,000.55 S/496,470.55 S/498,952.90 S/501,447.67 S/503,954.91 S/506,474.68 S/509,007.05 S/511,552.09 S/514,109.85 S/516,680.40 S/519,263.80 S/521,860.12 S/524,469.42 S/527,091.77 S/529,727.23 S/532,375.86 S/535,037.74 S/537,712.93 S/540,401.50 S/543,103.50 S/545,819.02 S/548,548.12 S/551,290.86 S/554,047.31 S/556,817.55 S/559,601.63 S/562,399.64

S/312,850.35 S/311,694.23 S/310,509.67 S/309,296.33 S/308,053.87 S/306,781.96 S/305,480.25 S/304,148.40 S/302,786.07 S/301,392.90 S/299,968.54 S/298,512.63 S/297,024.81 S/295,504.71 S/293,951.97 S/292,366.21 S/290,747.06 S/289,094.15 S/287,407.07 S/285,685.46 S/283,928.92 S/282,137.05 S/280,309.46 S/278,445.75 S/276,545.51 S/274,608.33 S/272,633.80 S/270,621.50 S/268,571.01 S/266,481.90 S/264,353.75 S/262,186.12 S/259,978.57 S/257,730.67 S/255,441.96 S/253,111.99 S/250,740.32 S/248,326.47 S/245,870.00 S/243,370.42 S/240,827.28 S/238,240.08 S/235,608.35 S/232,931.61 S/230,209.36

S/138,733.42 S/142,147.45 S/145,601.22 S/149,095.12 S/152,629.53 S/156,204.86 S/159,821.51 S/163,479.86 S/167,180.33 S/170,923.33 S/174,709.28 S/178,538.58 S/182,411.65 S/186,328.93 S/190,290.84 S/194,297.81 S/198,350.28 S/202,448.69 S/206,593.48 S/210,785.09 S/215,023.99 S/219,310.62 S/223,645.44 S/228,028.93 S/232,461.54 S/236,943.76 S/241,476.05 S/246,058.90 S/250,692.79 S/255,378.22 S/260,115.67 S/264,905.65 S/269,748.65 S/274,645.20 S/279,595.79 S/284,600.94 S/289,661.18 S/294,777.03 S/299,949.02 S/305,177.69 S/310,463.58 S/315,807.23 S/321,209.19 S/326,670.03 S/332,190.28

128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172

S/565,211.64 S/568,037.70 S/570,877.89 S/573,732.28 S/576,600.94 S/579,483.94 S/582,381.36 S/585,293.27 S/588,219.74 S/591,160.83 S/594,116.64 S/597,087.22 S/600,072.66 S/603,073.02 S/606,088.39 S/609,118.83 S/612,164.42 S/615,225.24 S/618,301.37 S/621,392.88 S/624,499.84 S/627,622.34 S/630,760.45 S/633,914.26 S/637,083.83 S/640,269.25 S/643,470.59 S/646,687.94 S/649,921.38 S/653,170.99 S/656,436.85 S/659,719.03 S/663,017.63 S/666,332.71 S/669,664.38 S/673,012.70 S/676,377.76 S/679,759.65 S/683,158.45 S/686,574.24 S/690,007.11 S/693,457.15 S/696,924.43 S/700,409.06 S/703,911.10

S/227,441.11 S/224,626.35 S/221,764.59 S/218,855.31 S/215,898.01 S/212,892.15 S/209,837.22 S/206,732.68 S/203,578.01 S/200,372.66 S/197,116.09 S/193,807.76 S/190,447.09 S/187,033.55 S/183,566.55 S/180,045.54 S/176,469.93 S/172,839.14 S/169,152.59 S/165,409.68 S/161,609.82 S/157,752.40 S/153,836.82 S/149,862.46 S/145,828.69 S/141,734.90 S/137,580.45 S/133,364.70 S/129,087.00 S/124,746.72 S/120,343.18 S/115,875.73 S/111,343.71 S/106,746.42 S/102,083.20 S/97,353.36 S/92,556.20 S/87,691.02 S/82,757.11 S/77,753.77 S/72,680.27 S/67,535.88 S/62,319.86 S/57,031.49 S/51,670.01

S/337,770.53 S/343,411.35 S/349,113.30 S/354,876.96 S/360,702.93 S/366,591.80 S/372,544.15 S/378,560.59 S/384,641.73 S/390,788.17 S/397,000.54 S/403,279.47 S/409,625.56 S/416,039.47 S/422,521.83 S/429,073.29 S/435,694.50 S/442,386.11 S/449,148.78 S/455,983.20 S/462,890.02 S/469,869.94 S/476,923.63 S/484,051.80 S/491,255.13 S/498,534.35 S/505,890.14 S/513,323.25 S/520,834.38 S/528,424.28 S/536,093.67 S/543,843.30 S/551,673.92 S/559,586.29 S/567,581.17 S/575,659.34 S/583,821.56 S/592,068.63 S/600,401.34 S/608,820.47 S/617,326.85 S/625,921.27 S/634,604.57 S/643,377.56 S/652,241.09

173 174 175 176 177 178 179 180

S/707,430.66 S/710,967.81 S/714,522.65 S/718,095.26 S/721,685.74 S/725,294.17 S/728,920.64 S/732,565.24

S/46,234.67 S/40,724.70 S/35,139.35 S/29,477.82 S/23,739.34 S/17,923.12 S/12,028.36 S/6,054.26

S/661,195.99 S/670,243.11 S/679,383.30 S/688,617.45 S/697,946.40 S/707,371.05 S/716,892.28 S/726,510.98

ectivo anual si el primer depósito que realizó es de 000.

SALDO S/19,809,304.35 S/19,641,073.21 S/19,472,873.77 S/19,304,706.39 S/19,136,571.46 S/18,968,469.34 S/18,800,400.43 S/18,632,365.12 S/18,464,363.79 S/18,296,396.85 S/18,128,464.69 S/17,960,567.73 S/17,792,706.37 S/17,624,881.03 S/17,457,092.14 S/17,289,340.12 S/17,121,625.40 S/16,953,948.42 S/16,786,309.61 S/16,618,709.43 S/16,451,148.33 S/16,283,626.77 S/16,116,145.20 S/15,948,704.10 S/15,781,303.94 S/15,613,945.20 S/15,446,628.36 S/15,279,353.91 S/15,112,122.35 S/14,944,934.18 S/14,777,789.91 S/14,610,690.05 S/14,443,635.12 S/14,276,625.66 S/14,109,662.18

S/13,942,745.22 S/13,775,875.34 S/13,609,053.08 S/13,442,279.00 S/13,275,553.67 S/13,108,877.65 S/12,942,251.52 S/12,775,675.86 S/12,609,151.27 S/12,442,678.34 S/12,276,257.67 S/12,109,889.89 S/11,943,575.60 S/11,777,315.43 S/11,611,110.02 S/11,444,960.01 S/11,278,866.04 S/11,112,828.78 S/10,946,848.87 S/10,780,927.00 S/10,615,063.85 S/10,449,260.10 S/10,283,516.44 S/10,117,833.58 S/9,952,212.24 S/9,786,653.12 S/9,621,156.96 S/9,455,724.50 S/9,290,356.47 S/9,125,053.64 S/8,959,816.77 S/8,794,646.63 S/8,629,543.99 S/8,464,509.66 S/8,299,544.42 S/8,134,649.09 S/7,969,824.49 S/7,805,071.43 S/7,640,390.77 S/7,475,783.34 S/7,311,250.00 S/7,146,791.63 S/6,982,409.09 S/6,818,103.28 S/6,653,875.09

S/6,489,725.43 S/6,325,655.21 S/6,161,665.38 S/5,997,756.86 S/5,833,930.62 S/5,670,187.61 S/5,506,528.80 S/5,342,955.19 S/5,179,467.76 S/5,016,067.54 S/4,852,755.53 S/4,689,532.77 S/4,526,400.30 S/4,363,359.18 S/4,200,410.49 S/4,037,555.29 S/3,874,794.69 S/3,712,129.78 S/3,549,561.70 S/3,387,091.57 S/3,224,720.55 S/3,062,449.78 S/2,900,280.44 S/2,738,213.72 S/2,576,250.82 S/2,414,392.96 S/2,252,641.35 S/2,090,997.26 S/1,929,461.92 S/1,768,036.63 S/1,606,722.66 S/1,445,521.31 S/1,284,433.91 S/1,123,461.79 S/962,606.29 S/801,868.79 S/641,250.65 S/480,753.28 S/320,378.10 S/160,126.52 S/0.00

inician en $300.000 y que cada mes lizable mensual?

SALDO S/40,410,325.55 S/40,447,078.26 S/40,482,637.25 S/40,516,985.06 S/40,550,104.06 S/40,581,976.45 S/40,612,584.21 S/40,641,909.16 S/40,669,932.91 S/40,696,636.91 S/40,722,002.37 S/40,746,010.35 S/40,768,641.69 S/40,789,877.03 S/40,809,696.81 S/40,828,081.28 S/40,845,010.47 S/40,860,464.21 S/40,874,422.12 S/40,886,863.63 S/40,897,767.92 S/40,907,113.98 S/40,914,880.58 S/40,921,046.27 S/40,925,589.38 S/40,928,488.03 S/40,929,720.09 S/40,929,263.22 S/40,927,094.86 S/40,923,192.20 S/40,917,532.21 S/40,910,091.62 S/40,900,846.93 S/40,889,774.38 S/40,876,850.00 S/40,862,049.56 S/40,845,348.57 S/40,826,722.31

S/40,806,145.82 S/40,783,593.86 S/40,759,040.96 S/40,732,461.36 S/40,703,829.08 S/40,673,117.84 S/40,640,301.13 S/40,605,352.15 S/40,568,243.84 S/40,528,948.86 S/40,487,439.61 S/40,443,688.19 S/40,397,666.44 S/40,349,345.92 S/40,298,697.88 S/40,245,693.32 S/40,190,302.92 S/40,132,497.07 S/40,072,245.88 S/40,009,519.16 S/39,944,286.40 S/39,876,516.81 S/39,806,179.28 S/39,733,242.40 S/39,657,674.43 S/39,579,443.34 S/39,498,516.76 S/39,414,862.02 S/39,328,446.11 S/39,239,235.70 S/39,147,197.14 S/39,052,296.42 S/38,954,499.23 S/38,853,770.90 S/38,750,076.42 S/38,643,380.44 S/38,533,647.26 S/38,420,840.83 S/38,304,924.75 S/38,185,862.25 S/38,063,616.21 S/37,938,149.15 S/37,809,423.21 S/37,677,400.16 S/37,542,041.42

S/37,403,308.00 S/37,261,160.55 S/37,115,559.33 S/36,966,464.22 S/36,813,834.68 S/36,657,629.82 S/36,497,808.31 S/36,334,328.45 S/36,167,148.12 S/35,996,224.78 S/35,821,515.51 S/35,642,976.93 S/35,460,565.28 S/35,274,236.34 S/35,083,945.50 S/34,889,647.69 S/34,691,297.40 S/34,488,848.71 S/34,282,255.24 S/34,071,470.15 S/33,856,446.16 S/33,637,135.55 S/33,413,490.10 S/33,185,461.18 S/32,952,999.63 S/32,716,055.87 S/32,474,579.82 S/32,228,520.92 S/31,977,828.13 S/31,722,449.91 S/31,462,334.24 S/31,197,428.59 S/30,927,679.93 S/30,653,034.74 S/30,373,438.95 S/30,088,838.01 S/29,799,176.83 S/29,504,399.81 S/29,204,450.78 S/28,899,273.09 S/28,588,809.51 S/28,273,002.28 S/27,951,793.09 S/27,625,123.06 S/27,292,932.78

S/26,955,162.24 S/26,611,750.90 S/26,262,637.60 S/25,907,760.63 S/25,547,057.70 S/25,180,465.91 S/24,807,921.76 S/24,429,361.17 S/24,044,719.44 S/23,653,931.27 S/23,256,930.73 S/22,853,651.26 S/22,444,025.70 S/22,027,986.22 S/21,605,464.39 S/21,176,391.10 S/20,740,696.60 S/20,298,310.49 S/19,849,161.71 S/19,393,178.51 S/18,930,288.49 S/18,460,418.56 S/17,983,494.92 S/17,499,443.13 S/17,008,187.99 S/16,509,653.65 S/16,003,763.50 S/15,490,440.25 S/14,969,605.87 S/14,441,181.59 S/13,905,087.93 S/13,361,244.63 S/12,809,570.71 S/12,249,984.42 S/11,682,403.24 S/11,106,743.90 S/10,522,922.34 S/9,930,853.71 S/9,330,452.37 S/8,721,631.90 S/8,104,305.05 S/7,478,383.78 S/6,843,779.21 S/6,200,401.64 S/5,548,160.56

S/4,886,964.57 S/4,216,721.46 S/3,537,338.16 S/2,848,720.71 S/2,150,774.31 S/1,443,403.26 S/726,510.98 S/0.00