Cálculo de la anualidad en función del valor futuro en una entidad financiera para el pago de una carrera universitaria.

Abstract

The present practical case has as main objective to identify the value of the fee to be deposited in the financial entity through the investigation of the interest rates in force in the market to cover the total cost of the university degree. Therefore, what is required with the resolution of this case, is the determination of the formulas for calculating the value of the fee, knowing the interest rate indicated by the financial institution, assessing the requirements and conditions of savings openings to Future by the financial institution. In addition, the contextualization of financial mathematics, future value, annuities, financial system, bank deposits, investment, interest rate and amortization table is specified. On the other hand, the future value formula was determined based on its annuity, amount and interest rate; which are the elements that intervene in the generation of future savings. Finally, the proposed year was resolved, where Banco Pichincha presents an interest of 3.25% unlike the other banks, with which a comparison was made, in turn that the requirements to be submitted is a copy of the light sheet, a copy of identity card and voting certificate; as conditions, it must be over 18 years of age and pay monthly; where the annuity value was obtained is $ 307.46; where, at the end of the 5 years, the parent required $ 20001.53, necessary to pay for his son's college degree.