1. The document contains two examples calculating interest on loans. 2. The first calculates interest on a Bs. 80,000,000 loan at 28% annually over 4 quarters, totaling Bs. 14,472,997.33 in interest. 3. The second calculates interest on a Bs. 60,000,000 loan at 16% monthly over 12 months, totaling Bs. 5,326,217.66 in interest.

1. Ramsés Guzmán 29.561.986
EJERCICIO 1
Datos: C= Bs. 80,000,000.00
i= 28% anual capitalizable al trimestre
n= 4
Fecha o Trimestre
Transcurrido
Pago
Interés sobre el
saldo
Inicia la operación (0)
1 Bs. 23,618,249.33 Bs. 5,600,000.00
2 Bs. 23,618,249.33 Bs. 4,338,722.55
3 Bs. 23,618,249.33 Bs. 2,989,155.67
4 Bs. 23,618,249.33 Bs. 1,545,119.12
Total Bs. 14,472,997.33
Eejercicio 2
Datos: C= Bs. 60,000,000.00
i= 16% anual capitalizable mensualmente
n= 12
𝑅 = 𝐶
𝑖
1 − (1 + 𝑖)−𝑛
=
80000000
0.42
6
1 − 1 +
0.42
6
−6 =
𝐶 = 𝑅
1 − (1 + 𝑖)−𝑛
𝑖
=
𝑅
1 − (1 + 𝑖)−𝑛
𝑖
= 𝐶
𝑅 = 𝐶
𝑖
1 − (1 + 𝑖)−𝑛
=
𝑅 = 60000000
0.16
12
1 − (1 +
0.16
12
)−12
=

2. Fecha o Trimestre
Transcurrido
Pago
Interés sobre el
saldo
Inicia la operación (0)
1 Bs. 5,443,851.47 Bs. 800,000.00
2 Bs. 5,443,851.47 Bs. 738,081.98
3 Bs. 5,443,851.47 Bs. 675,338.39
4 Bs. 5,443,851.47 Bs. 611,758.21
5 Bs. 5,443,851.47 Bs. 547,330.30
6 Bs. 5,443,851.47 Bs. 482,043.35
7 Bs. 5,443,851.47 Bs. 415,885.91
8 Bs. 5,443,851.47 Bs. 348,846.37
9 Bs. 5,443,851.47 Bs. 280,912.97
10 Bs. 5,443,851.47 Bs. 212,073.79
11 Bs. 5,443,851.47 Bs. 142,316.75
12 Bs. 5,443,851.47 Bs. 71,629.62
Total Bs. 5,326,217.66
1 − (1 +
0.16
12
)−12

3. al capitalizable al trimestre
Bs. 23,618,249.33
Amortización Saldo
Bs. 80,000,000.00
Bs. 18,018,249.33 Bs. 61,981,750.67
Bs. 19,279,526.79 Bs. 42,702,223.88
Bs. 20,629,093.66 Bs. 22,073,130.22
Bs. 22,073,130.22 Bs. 0.00
Bs. 80,000,000.00
al capitalizable mensualmente
Bs. 5,443,851.47
𝑛
=
42 −6 =
=
𝐶
=
6
)−12
=

4. Amortización Saldo
Bs. 60,000,000.00
Bs. 4,643,851.47 Bs. 55,356,148.53
Bs. 4,705,769.49 Bs. 50,650,379.04
Bs. 4,768,513.08 Bs. 45,881,865.95
Bs. 4,832,093.26 Bs. 41,049,772.69
Bs. 4,896,521.17 Bs. 36,153,251.53
Bs. 4,961,808.12 Bs. 31,191,443.41
Bs. 5,027,965.56 Bs. 26,163,477.85
Bs. 5,095,005.10 Bs. 21,068,472.75
Bs. 5,162,938.50 Bs. 15,905,534.25
Bs. 5,231,777.68 Bs. 10,673,756.56
Bs. 5,301,534.72 Bs. 5,372,221.85
Bs. 5,372,221.85 Bs. 0.00
Bs. 60,000,000.00
6
)−12