{"id":21859,"date":"2023-01-25T17:49:57","date_gmt":"2023-01-25T17:49:57","guid":{"rendered":"https:\/\/blogs.ugto.mx\/rea\/?p=21859"},"modified":"2023-01-25T17:49:57","modified_gmt":"2023-01-25T17:49:57","slug":"clase-digital-10-intereses-sobre-saldos-insolutos","status":"publish","type":"post","link":"https:\/\/blogs.ugto.mx\/rea\/clase-digital-10-intereses-sobre-saldos-insolutos\/","title":{"rendered":"Clase digital 10. Intereses sobre saldos insolutos"},"content":{"rendered":"\n\n\n<div class=\"wp-block-cover is-light\" style=\"min-height:284px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-40 has-background-dim\"><\/span><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-22603\" alt=\"coins, currency, investment\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383.jpg\" data-object-fit=\"cover\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" class=\"wp-block-cover__image-background wp-image-22603\" alt=\"coins, currency, investment\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383.jpg 1280w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383-300x200.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383-1024x682.jpg 1024w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383-768x512.jpg 768w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/1523383-272x182.jpg 272w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/noscript><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-base-3-color has-text-color has-large-font-size wp-block-paragraph\"><br>Intereses sobre saldos insolutos<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"introduccion\">Introducci\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a1Hola!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a1Qu\u00e9 emoci\u00f3n volvernos a encontrar! Espero que sigas desarrollando tus habilidades y conocimientos en este proceso acad\u00e9mico, por lo tanto te doy la bienvenida a la d\u00e9cima clase del curso.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La clase anterior se comenz\u00f3 a abordar el tema de intereses sobre saldos insolutos, donde en esencia se cobra una deuda en varias cuotas o plazos acordados de forma inicial, y en comparaci\u00f3n con el m\u00e9todo lagarto o tradicional, el inter\u00e9s que se cobra se calcula en base al saldo pendiente o insoluto (no pagado), por lo tanto, conforme pasa el tiempo, el inter\u00e9s cobrado disminuye.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por intuici\u00f3n y confirmaci\u00f3n de la clase anterior, el cobro de intereses sobre saldos insolutos siempre ser\u00e1 menor que en el m\u00e9todo lagarto porque el inter\u00e9s va disminuyendo conforme se hagan aportaciones o pagos peri\u00f3dicos, y el saldo o deuda decrece. A continuaci\u00f3n, se presentar\u00e1 de forma expl\u00edcita con un ejemplo la gran diferencia de inter\u00e9s pagados entre los dos m\u00e9todos y por qu\u00e9 el c\u00e1lculo de intereses sobre saldos insolutos beneficia en gran parte al deudor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sabemos qu\u00e9, el m\u00e9todo lagarto es la forma que se ha estado revisando durante toda la unidad al momento de cobrar inter\u00e9s. Se tiene un capital prestado o deuda, se calculan intereses simples por el tiempo de uso del dinero y se paga un monto, la diferencia en el m\u00e9todo lagarto es que ese monto se divide entre el n\u00famero de periodos por los cuales el deudor ir\u00e1 pagando la deuda, puede ser mensual, quincenal o fechas acordadas por los involucrados. A continuaci\u00f3n, se presenta un ejemplo con el objetivo de facilitar su comprensi\u00f3n de aplicaci\u00f3n, as\u00ed como conocer en qu\u00e9 casos se puede aplicar esta metodolog\u00eda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Te invito a conocer m\u00e1s al respecto, comencemos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"desarrollo-del-tema\">Desarrollo del tema<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ejemplo<\/strong>. Javier asisti\u00f3 a una tienda departamental y compr\u00f3 varios art\u00edculos como ropa, electrodom\u00e9sticos, entre otros. Todo lo pag\u00f3 a cr\u00e9dito siendo un total de $27,000 a un a\u00f1o y medio de plazo con una tasa anual del 15%. Tendr\u00e1 que pagar el cr\u00e9dito mediante pagos mensuales.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Usando el m\u00e9todo lagarto, calcula el Monto total a pagar, la cuota e intereses a pagar por su deuda.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Mediante el m\u00e9todo de saldos insolutos, calcula la cuota a pagar por cada mes, as\u00ed como sus respectivos intereses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Soluci\u00f3n<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Usando la f\u00f3rmula de inter\u00e9s simple obtenemos que:<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-1.jpg\" alt=\"\" class=\"wp-image-21867\" width=\"680\" height=\"53\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-1.jpg\" alt=\"\" class=\"wp-image-21867\" width=\"680\" height=\"53\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-1.jpg 907w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-1-300x23.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-1-768x60.jpg 768w\" sizes=\"auto, (max-width: 680px) 100vw, 680px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li>Tomando en cuenta el inter\u00e9s a pagar por la deuda, el Monto a pagar ser\u00e1:<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-2.jpg\" alt=\"\" class=\"wp-image-21868\" width=\"362\" height=\"52\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-2.jpg\" alt=\"\" class=\"wp-image-21868\" width=\"362\" height=\"52\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-2.jpg 482w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-2-300x43.jpg 300w\" sizes=\"auto, (max-width: 362px) 100vw, 362px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li>Notemos que con las f\u00f3rmulas revisadas anteriormente, el monto se pudo calcular de forma sencilla y directa de la siguiente manera:<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-3.jpg\" alt=\"\" class=\"wp-image-21869\" width=\"521\" height=\"60\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-3.jpg\" alt=\"\" class=\"wp-image-21869\" width=\"521\" height=\"60\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-3.jpg 695w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-3-300x35.jpg 300w\" sizes=\"auto, (max-width: 521px) 100vw, 521px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<ul class=\"wp-block-list\">\n<li>Teniendo el monto a pagar, podemos conocer la <strong>cuota mensual a pagar<\/strong> y ser\u00e1:<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-4.jpg\" alt=\"\" class=\"wp-image-21870\" width=\"257\" height=\"81\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-4.jpg\" alt=\"\" class=\"wp-image-21870\" width=\"257\" height=\"81\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-4.jpg 342w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-4-300x95.jpg 300w\" sizes=\"auto, (max-width: 257px) 100vw, 257px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<ol class=\"wp-block-list\">\n<li>Notemos que el n\u00famero de cuotas o per\u00edodos son 18, por lo que calcular los intereses y monto a pagar como se visualiz\u00f3 la clase anterior, inclusive con la f\u00f3rmula es un poco tedioso, por lo que se utilizar\u00e1 una tabla de Excel para usar sus funciones de calculadora y obtener la soluci\u00f3n de forma eficiente.\n<ul class=\"wp-block-list\">\n<li><strong>Amortizaci\u00f3n o valor de la cuota sin intereses<\/strong>:<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-5.jpg\" alt=\"\" class=\"wp-image-21871\" width=\"348\" height=\"83\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-5.jpg\" alt=\"\" class=\"wp-image-21871\" width=\"348\" height=\"83\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-5.jpg 464w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-5-300x71.jpg 300w\" sizes=\"auto, (max-width: 348px) 100vw, 348px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong>Tabla 1<\/strong>. Tabla de amortizaci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">10<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 13, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 168.75<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 668.75<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">11<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 12, 000.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 150.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 650.00<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">12<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 10, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 131.25<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 632.25<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">13<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 9, 000.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 112.50<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 612.50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">14<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 7, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 93.75<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 593.75<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">15<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 6, 000.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 75.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 575.00<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">16<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 4, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 56.25<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 556.25<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">17<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 000.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 37.50<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 537.50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">18<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 500.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 18.75<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 1, 518.75<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$ 27, 000.00<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$ 3, 206.25<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$ 30, 206.25<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfC\u00f3mo podemos comprobar que los resultados anteriores son correctos?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Calcularemos de forma manual los valores de las primeras 2 cuotas para conocer la diferencia entre cada una, y con esto calcular el valor de cualquier otra cuota de forma aleatoria, y los valores deber\u00edan coincidir con los plasmados en la tabla de Excel.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-6.jpg\" alt=\"\" class=\"wp-image-21873\" width=\"445\" height=\"215\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-6.jpg\" alt=\"\" class=\"wp-image-21873\" width=\"445\" height=\"215\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-6.jpg 593w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-6-300x145.jpg 300w\" sizes=\"auto, (max-width: 445px) 100vw, 445px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Con los datos anteriores podemos notar que los resultados de la tabla son correctos, pero para comprobarlo de forma total calcularemos el valor de una cuota al azar.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-7.jpg\" alt=\"\" class=\"wp-image-21876\" width=\"665\" height=\"57\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-7.jpg\" alt=\"\" class=\"wp-image-21876\" width=\"665\" height=\"57\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-7.jpg 886w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-7-300x26.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-7-768x66.jpg 768w\" sizes=\"auto, (max-width: 665px) 100vw, 665px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Usando la f\u00f3rmula:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-8.jpg\" alt=\"\" class=\"wp-image-21877\" width=\"539\" height=\"59\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-8.jpg\" alt=\"\" class=\"wp-image-21877\" width=\"539\" height=\"59\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-8.jpg 719w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-8-300x33.jpg 300w\" sizes=\"auto, (max-width: 539px) 100vw, 539px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Si quiero conocer el <strong>valor de la cuota del pago n\u00famero 13<\/strong>, los c\u00e1lculos ser\u00edan los siguientes:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-9.jpg\" alt=\"\" class=\"wp-image-21878\" width=\"601\" height=\"53\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-9.jpg\" alt=\"\" class=\"wp-image-21878\" width=\"601\" height=\"53\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-9.jpg 801w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-9-300x27.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-9-768x68.jpg 768w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Con los c\u00e1lculos anteriores podemos concluir que el procedimiento realizado en la tabla de Excel fue correcto.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparaci\u00f3n entre el m\u00e9todo lagarto vs. intereses sobre saldos insolutos<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Notemos que el inter\u00e9s a pagar en el m\u00e9todo de intereses sobre saldos insolutos es much\u00edsimo menor en comparaci\u00f3n con el m\u00e9todo lagarto.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inter\u00e9s total a pagar en el m\u00e9todo lagarto: $ 6, 075<\/strong><\/li>\n\n\n\n<li><strong>Inter\u00e9s total a pagar en el m\u00e9todo de intereses sobre saldos insolutos: $ 3, 206.25<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Utilizando herramientas y conocimientos revisados en temas de regla de 3 y porcentajes concluimos que:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-10.jpg\" alt=\"\" class=\"wp-image-21880\" width=\"305\" height=\"89\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-10.jpg\" alt=\"\" class=\"wp-image-21880\" width=\"305\" height=\"89\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-10.jpg 406w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-10-300x87.jpg 300w\" sizes=\"auto, (max-width: 305px) 100vw, 305px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong>$ 3, 206.25 es el 52.77% en comparaci\u00f3n de $ 6, 075, por lo que el inter\u00e9s pagado mediante saldos insolutos es 47.22% menor que el que se paga en el m\u00e9todo lagarto.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una deuda que se cobra mediante plazos es c\u00f3moda para muchas personas, aunque si la cantidad de dinero que se debe aportar de forma peri\u00f3dica disminuye o cambia de manera constante puede ser un poco confuso e inc\u00f3modo para algunas personas que est\u00e1n acostumbradas a pagos fijos. Por lo que, tambi\u00e9n podemos establecer una cuota fija a pagar en los intereses sobre saldos insolutos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tomando en la soluci\u00f3n del inciso b) del problema 1, se calcul\u00f3 el total de dinero a pagar o monto, por lo que este monto lo podemos dividir entre el mismo plazo (18 meses) y as\u00ed establecer una cuota fija de pago, respetando los intereses sobre saldos insolutos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por lo tanto, obtenemos que:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-11.jpg\" alt=\"\" class=\"wp-image-21881\" width=\"587\" height=\"93\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-11.jpg\" alt=\"\" class=\"wp-image-21881\" width=\"587\" height=\"93\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-11.jpg 782w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-11-300x48.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-11-768x122.jpg 768w\" sizes=\"auto, (max-width: 587px) 100vw, 587px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Otra forma de calcular la cuota fija mensual ser\u00eda de la siguiente manera:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-12.jpg\" alt=\"\" class=\"wp-image-21883\" width=\"637\" height=\"123\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-12.jpg\" alt=\"\" class=\"wp-image-21883\" width=\"637\" height=\"123\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-12.jpg 849w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-12-300x58.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-12-768x148.jpg 768w\" sizes=\"auto, (max-width: 637px) 100vw, 637px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Quedar\u00e1 a criterio del acreedor y deudor definir si se pagar\u00e1 una cuota mensual fija, o que disminuya conforme se realizan abonos y se plasma en la tabla de amortizaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Otro punto importante a considerar teniendo el Monto a pagar por saldos insolutos ($ 30, 206.25), se puede calcular una nueva tasa de inter\u00e9s, ya que los intereses ($ 3, 206.25) son diferentes a los del m\u00e9todo lagarto ($ 6, 075):<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-13.jpg\" alt=\"\" class=\"wp-image-21884\" width=\"461\" height=\"99\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-13.jpg\" alt=\"\" class=\"wp-image-21884\" width=\"461\" height=\"99\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-13.jpg 615w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-13-300x64.jpg 300w\" sizes=\"auto, (max-width: 461px) 100vw, 461px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">La tasa de inter\u00e9s anual mediante saldos insolutos disminuye a 7,92% en comparaci\u00f3n con el 15% que se cobrar\u00eda mediante el m\u00e9todo lagarto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para cerrar el ejercicio, se debe mencionar que los c\u00e1lculos anteriores son en un contexto donde la parte deudora no se retrasar\u00e1 en ning\u00fan pago y todo ser\u00e1 ideal. Ya sea con alguna persona f\u00edsica o moral, si existiera alg\u00fan retraso en las cuotas, se debe definir de la parte acreedora cu\u00e1nto se cobrar\u00e1 de inter\u00e9s extra por falta de pago o retrasos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ejercicio 1<\/strong>. Javier quiere comprar su primer veh\u00edculo y se lo comprar\u00e1 a su t\u00edo. El precio total del carro es de $ 90, 000 y lo pagar\u00e1 a cr\u00e9dito. Javier dar\u00e1 un enganche del 15 % del valor del veh\u00edculo y el saldo lo pagar\u00e1 mensualmente a un plazo de 20 meses. Se le cobrar\u00e1n intereses sobre saldos insolutos a una tasa anual del 15%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Su t\u00edo le menciona que durante el plazo los pagos deben ser fijos, por lo que se deber\u00e1 calcular el monto a pagar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfCu\u00e1l ser\u00e1 el valor de la cuota fija mensual que Javier pagar\u00e1 a su t\u00edo?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Soluci\u00f3n<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se debe calcular el valor del enganche para despu\u00e9s definir el valor de la primera cuota.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-14.jpg\" alt=\"\" class=\"wp-image-21885\" width=\"398\" height=\"57\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-14.jpg\" alt=\"\" class=\"wp-image-21885\" width=\"398\" height=\"57\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-14.jpg 531w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-14-300x43.jpg 300w\" sizes=\"auto, (max-width: 398px) 100vw, 398px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Por lo tanto, el valor de la deuda ser\u00e1:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-15.jpg\" alt=\"\" class=\"wp-image-21888\" width=\"521\" height=\"50\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-15.jpg\" alt=\"\" class=\"wp-image-21888\" width=\"521\" height=\"50\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-15.jpg 695w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-15-300x28.jpg 300w\" sizes=\"auto, (max-width: 521px) 100vw, 521px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Calculando la amortizaci\u00f3n o valor de la cuota sin inter\u00e9s obtenemos:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-16.jpg\" alt=\"\" class=\"wp-image-21889\" width=\"368\" height=\"75\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-16.jpg\" alt=\"\" class=\"wp-image-21889\" width=\"368\" height=\"75\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-16.jpg 490w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-16-300x61.jpg 300w\" sizes=\"auto, (max-width: 368px) 100vw, 368px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Ahora, procedemos a calcular el valor de los primeros pagos:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-17.jpg\" alt=\"\" class=\"wp-image-21894\" width=\"866\" height=\"206\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-17.jpg\" alt=\"\" class=\"wp-image-21894\" width=\"866\" height=\"206\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-17.jpg 866w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-17-300x71.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-17-768x183.jpg 768w\" sizes=\"auto, (max-width: 866px) 100vw, 866px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Diferencia entre cada cuota:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-18.jpg\" alt=\"\" class=\"wp-image-21895\" width=\"841\" height=\"96\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-18.jpg\" alt=\"\" class=\"wp-image-21895\" width=\"841\" height=\"96\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-18.jpg 841w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-18-300x34.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-18-768x88.jpg 768w\" sizes=\"auto, (max-width: 841px) 100vw, 841px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Calculando el valor de la \u00faltima cuota:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-19.jpg\" alt=\"\" class=\"wp-image-21896\" width=\"687\" height=\"120\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-19.jpg\" alt=\"\" class=\"wp-image-21896\" width=\"687\" height=\"120\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-19.jpg 916w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-19-300x52.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-19-768x134.jpg 768w\" sizes=\"auto, (max-width: 687px) 100vw, 687px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Teniendo el valor de la primera y \u00faltima cuota, podemos calcular la cuota fija mensual a pagar por esta deuda calculada a intereses sobre saldos insolutos:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-20.jpg\" alt=\"\" class=\"wp-image-21897\" width=\"856\" height=\"178\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-20.jpg\" alt=\"\" class=\"wp-image-21897\" width=\"856\" height=\"178\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-20.jpg 856w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-20-300x62.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-20-768x160.jpg 768w\" sizes=\"auto, (max-width: 856px) 100vw, 856px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Podemos concluir, que la cuota mensual fija que Javier pagar\u00e1 a su t\u00edo para liquidar la deuda del veh\u00edculo ser\u00e1 de $ 4, 327.03.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Explorando a fondo el ejercicio 2, \u00bfCu\u00e1l ser\u00e1 el monto a pagar que Javier le debe dar a su t\u00edo por la compra del veh\u00edculo?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esta pregunta es f\u00e1cil de responder, ya que solo debemos multiplicar la cuota fija mensual por el n\u00famero de veces que tiene que ser pagada:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-21.jpg\" alt=\"\" class=\"wp-image-21898\" width=\"447\" height=\"77\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-21.jpg\" alt=\"\" class=\"wp-image-21898\" width=\"447\" height=\"77\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-21.jpg 596w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-21-300x52.jpg 300w\" sizes=\"auto, (max-width: 447px) 100vw, 447px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Otra pregunta que puede surgir es \u00bfCu\u00e1l ser\u00e1 la tasa de inter\u00e9s real que est\u00e1 pagando Javier?<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-22.jpg\" alt=\"\" class=\"wp-image-21899\" width=\"855\" height=\"77\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-22.jpg\" alt=\"\" class=\"wp-image-21899\" width=\"855\" height=\"77\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-22.jpg 855w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-22-300x27.jpg 300w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-22-768x69.jpg 768w\" sizes=\"auto, (max-width: 855px) 100vw, 855px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">Tasa de inter\u00e9s real<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-23.jpg\" alt=\"\" class=\"wp-image-21901\" width=\"455\" height=\"103\" \/><noscript><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-23.jpg\" alt=\"\" class=\"wp-image-21901\" width=\"455\" height=\"103\" srcset=\"https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-23.jpg 606w, https:\/\/blogs.ugto.mx\/rea\/wp-content\/uploads\/sites\/71\/2023\/01\/C10-Saldos-Insolutos-23-300x68.jpg 300w\" sizes=\"auto, (max-width: 455px) 100vw, 455px\" \/><\/noscript><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Una forma de comprobar que los resultados obtenidos anteriormente son correctos, es utilizando una tabla de amortizaci\u00f3n y al calcular el total de intereses o cuotas, deber\u00e1n coincidir con el inter\u00e9s total pagado o Monto calculado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una vez m\u00e1s, se utilizar\u00e1 la herramienta Excel para facilitar los c\u00e1lculos y en caso de presentarse cualquier duda poder explorar cada celda y funci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tabla 2<\/strong>. Tabla de amortizaci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">13<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 30, 600.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 382.50<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 4, 207.50<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">14<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 26, 775.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 334.69<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 4, 159.69<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">15<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 22, 950.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 286.88<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 4, 111.88<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">16<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 19, 125.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 239.06<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 4, 064.06<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">17<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 15, 300.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 191.25<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 4, 016.25<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">18<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 11, 475.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 143.44<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 968.44<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">19<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 7, 650.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 95.63<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 920.63<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">20<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 825.00<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 47.81<\/td><td class=\"has-text-align-right\" data-align=\"right\">$ 3, 872.81<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Total<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$ 76, 500.00<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$ 10, 040.63<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>$ 86, 540.63<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusi\u00f3n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En el ejercicio anterior, notemos que los resultados obtenidos en la tabla de amortizaci\u00f3n son los mismos a los calculados de forma manual en el desarrollo del ejercicio 1, por lo que, dependiendo de los datos que pida el problema o los necesarios a conocer en una situaci\u00f3n real, podr\u00e1s escoger qu\u00e9 metodolog\u00eda se adapta m\u00e1s a tus necesidades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Se recomienda ampliamente realizar la tabla de amortizaci\u00f3n, ya que permite visualizar de una mejor manera el valor de cada cuota, los intereses y monto a pagar, con los datos plasmados define de forma sencilla y r\u00e1pida el valor de alguna cuota fija.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tambi\u00e9n es importante se\u00f1alar que la tasa de inter\u00e9s reduce casi hasta la mitad cuando se calculan intereses sobre saldos insolutos en comparaci\u00f3n con el m\u00e9todo lagarto, por lo que para el deudor ser\u00e1 m\u00e1s justo el m\u00e9todo de saldos insolutos, ya que, al saldar la deuda mediante cuotas, el inter\u00e9s se reduce porque el saldo tambi\u00e9n disminuye por cada pago realizado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hemos llegado al final de la sesi\u00f3n y no me resta m\u00e1s que felicitarte por llegar hasta esta parte del curso. Te invito a que contin\u00faes con tu proceso formativo realizando la tarea asignada y mandarla como corresponde. Te encuentro pr\u00f3ximamente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fuentes-de-informacion\">Fuentes de informaci\u00f3n<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mora, A., &amp; Zambrano, V. H. P. (2009). Matem\u00e1ticas financieras. Alpha Editorial. p. 61-65.<\/li>\n\n\n\n<li>Morales. E. (2020). Elementos de inter\u00e9s sobre saldos insolutos. Consultado en <a href=\"https:\/\/youtu.be\/Y2XotEwP3Ws\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/youtu.be\/Y2XotEwP3Ws<\/a><\/li>\n\n\n\n<li>Morales, E. (2021). Determinar el inter\u00e9s sobre saldos insolutos. Consultado en <a href=\"https:\/\/youtu.be\/TY-XRpUpgEw\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/youtu.be\/TY-XRpUpgEw<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Introducci\u00f3n \u00a1Hola! \u00a1Qu\u00e9 emoci\u00f3n volvernos a encontrar! Espero que sigas desarrollando tus habilidades y conocimientos en este proceso acad\u00e9mico, por lo tanto te doy la bienvenida a la d\u00e9cima clase del curso. La clase anterior se comenz\u00f3 a abordar el tema de intereses sobre saldos insolutos, donde en esencia se cobra una deuda en varias &#8230; <a title=\"Clase digital 10. Intereses sobre saldos insolutos\" class=\"read-more\" href=\"https:\/\/blogs.ugto.mx\/rea\/clase-digital-10-intereses-sobre-saldos-insolutos\/\" aria-label=\"Leer m\u00e1s sobre Clase digital 10. Intereses sobre saldos insolutos\">Leer m\u00e1s<\/a><\/p>\n","protected":false},"author":142,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_crdt_document":"","episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","footnotes":""},"categories":[83,288,293,586],"tags":[41,587,588],"class_list":["post-21859","post","type-post","status-publish","format-standard","hentry","category-bachillerato-general","category-plan-2020","category-quinto-semestre","category-uda-matematicas-financieras","tag-clase-digital","tag-eaba04002","tag-eva-lozano-montero"],"acf":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/posts\/21859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/users\/142"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/comments?post=21859"}],"version-history":[{"count":7,"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/posts\/21859\/revisions"}],"predecessor-version":[{"id":22604,"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/posts\/21859\/revisions\/22604"}],"wp:attachment":[{"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/media?parent=21859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/categories?post=21859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.ugto.mx\/rea\/wp-json\/wp\/v2\/tags?post=21859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}