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La Caja T&C otorga un prstamo por S/. 30,000 a una TEA del 12.5%, durante 30 meses.

Elabora cronogram
con perodo de gracia parcial de 6 meses.

Prstamo 30000
Plazo 30
TEA 12.5%
TEM 0.99%
Perodos de gracia 6
CUOTA S/.1,409.91

Perodo Amortizacin Interes Cuota Saldo


0 30000
1 295.91 295.91 30000
2 295.91 295.91 30000
3 295.91 295.91 30000
4 295.91 295.91 30000
5 295.91 295.91 30000
6 295.91 295.91 30000
7 S/.1,114.00 295.91 S/.1,409.91 S/.28,886.00
8 S/.1,124.99 284.92 S/.1,409.91 S/.27,761.00
9 S/.1,136.09 273.82 S/.1,409.91 S/.26,624.91
10 S/.1,147.29 262.62 S/.1,409.91 S/.25,477.62
11 S/.1,158.61 251.30 S/.1,409.91 S/.24,319.01
12 S/.1,170.04 239.87 S/.1,409.91 S/.23,148.97
13 S/.1,181.58 228.33 S/.1,409.91 S/.21,967.39
14 S/.1,193.23 216.68 S/.1,409.91 S/.20,774.15
15 S/.1,205.00 204.91 S/.1,409.91 S/.19,569.15
16 S/.1,216.89 193.02 S/.1,409.91 S/.18,352.26
17 S/.1,228.89 181.02 S/.1,409.91 S/.17,123.37
18 S/.1,241.01 168.90 S/.1,409.91 S/.15,882.35
19 S/.1,253.25 156.66 S/.1,409.91 S/.14,629.10
20 S/.1,265.62 144.30 S/.1,409.91 S/.13,363.48
21 S/.1,278.10 131.81 S/.1,409.91 S/.12,085.38
22 S/.1,290.71 119.21 S/.1,409.91 S/.10,794.67
23 S/.1,303.44 106.47 S/.1,409.91 S/.9,491.24
24 S/.1,316.29 93.62 S/.1,409.91 S/.8,174.94
25 S/.1,329.28 80.63 S/.1,409.91 S/.6,845.67
26 S/.1,342.39 67.52 S/.1,409.91 S/.5,503.28
27 S/.1,355.63 54.28 S/.1,409.91 S/.4,147.65
28 S/.1,369.00 40.91 S/.1,409.91 S/.2,778.65
29 S/.1,382.50 27.41 S/.1,409.91 S/.1,396.14
30 S/.1,396.14 13.77 S/.1,409.91 S/.0.00
ante 30 meses. Elabora cronograma de pago
eses.
Elaborar un cronograma de pago con cuota by pass en el mes de enero para un prstamo de $ 20,000.0
perodo de un ao.Fecha de pago los 17 de cada m

Prstamo 20000
Plazo 12
te 0.03%
TEA 12.00%
N Cuota by
pass enero
CUOTA 1932.9910181866

Periodo Fecha de pago Amortizacin Interes


0 5/15/2014
1 6/17/2014 1724.14 208.85
2 7/17/2014 1759.58 173.42
3 8/17/2014 1771.02 161.97
4 9/17/2014 1788.39 144.60
5 10/17/2014 1810.05 122.95
6 11/17/2014 1823.68 109.31
7 12/17/2014 1844.53 88.47
8 1/17/2015 -73.34 73.34
9 2/17/2015 1858.93 74.06
10 3/17/2015 1882.59 50.40
11 4/17/2015 1895.62 37.37
12 5/17/2015 1914.82 18.17
Totales
de enero para un prstamo de $ 20,000.00desembolsado el 15/05/2014 , a una TEA del 12% en un
e un ao.Fecha de pago los 17 de cada mes.

Cuota Saldo Das FSA


20000
1932.99 18275.86 33 0.9896653109
1932.99 16516.29 63 0.9803628508
1932.99 14745.26 94 0.9708421591
1932.99 12956.87 125 0.9614139265
1932.99 11146.83 155 0.9523770182
1932.99 9323.15 186 0.943128108
1932.99 7478.62 216 0.9342630791
0.00 7551.96 247 0
1932.99 5693.03 278 0.9162051933
1932.99 3810.45 306 0.9081648332
1932.99 1914.82 337 0.899345285
1932.99 0.00 367 0.8908917972
total 10.3466595612 0
Calcular el VAN y la TIR del siguiente proyecto, para tres inversionistas .

Inversionista Inversionista 1 Inversionista 2


COK 10.00% 11.00%

Ao 0 1
Flujo Efectivo Neto -200,000 50,000

COK VAN
Inversionista 1 10% S/.23,137.39
Inversionista 2 11% S/.17,487.68
Inversionista 3 13% S/.6,845.54

TIR del proyecto 14%

Interprear los resultados


cto, para tres inversionistas .

Inversionista 3
13.00%

2 3 4 5
60,000 80,000 45,000 60,000

Decisin de Inversin
aprueba
aprueba
aprueba
Una distribuidora de gas, ha solicitado un prstamo al banco por S/. 20,000.00 para ser cancelado en 5 a
una TEA del 10.5% y estima tener los siguientes in gresos por ventas y costos de operacin. Se pide Calc
relacin B/C e interpretar el resultado

10.50%
Ao Inversin Ingresos
0 20,000.00 VANIngresos
1 5,000.00 10,000.00 VAN Costos
2 7,000.00 12,000.00
3 7,000.00 12,000.00 B/C
4 8,000.00 15,000.00
5 11,500.00 20,000.00 Interpretacin:

resulta
. 20,000.00 para ser cancelado en 5 aos, a
as y costos de operacin. Se pide Calcular la

49,972.55
47,792.29

1.05
Elabora un cronograma de un crdito vehicular, por un monto de $ 33,000.00 a una TEA de

Prstamo 33000 S. Desgravamen


TEA 9.00% S. Vehicular
Tem 0.72% Portes
Plazo en aos 5 Cuota
Plazo en meses 60 Tasa de Costo efectiva mensual
Fecha de pago 5/20/2014 T.C.E.A.

Perodo Fecha de pago Amortizacin Inters

0 5/20/2014
1 6/20/2014 S/.441.57 237.84
2 7/20/2014 S/.444.76 234.66
3 8/20/2014 S/.447.96 231.45
4 9/20/2014 S/.451.19 228.23
5 10/20/2014 S/.454.44 224.97
6 11/20/2014 S/.457.72 221.70
7 12/20/2014 S/.461.02 218.40
8 1/20/2015 S/.464.34 215.08
9 2/20/2015 S/.467.68 211.73
10 3/20/2015 S/.471.06 208.36
11 4/20/2015 S/.474.45 204.96
12 5/20/2015 S/.477.87 201.54
13 6/20/2015 S/.481.31 198.10
14 7/20/2015 S/.484.78 194.63
15 8/20/2015 S/.488.28 191.14
16 9/20/2015 S/.491.80 187.62
17 10/20/2015 S/.495.34 184.07
18 11/20/2015 S/.498.91 180.50
19 12/20/2015 S/.502.51 176.91
20 1/20/2016 S/.506.13 173.29
21 2/20/2016 S/.509.78 169.64
22 3/20/2016 S/.513.45 165.96
23 4/20/2016 S/.517.15 162.26
24 5/20/2016 S/.520.88 158.54
25 6/20/2016 S/.524.63 154.78
26 7/20/2016 S/.528.41 151.00
27 8/20/2016 S/.532.22 147.19
28 9/20/2016 S/.536.06 143.36
29 10/20/2016 S/.539.92 139.49
30 11/20/2016 S/.543.81 135.60
31 12/20/2016 S/.547.73 131.68
32 1/20/2017 S/.551.68 127.73
33 2/20/2017 S/.555.66 123.76
34 3/20/2017 S/.559.66 119.75
35 4/20/2017 S/.563.69 115.72
36 5/20/2017 S/.567.76 111.66
37 6/20/2017 S/.571.85 107.56
38 7/20/2017 S/.575.97 103.44
39 8/20/2017 S/.580.12 99.29
40 9/20/2017 S/.584.30 95.11
41 10/20/2017 S/.588.51 90.90
42 11/20/2017 S/.592.76 86.66
43 12/20/2017 S/.597.03 82.39
44 1/20/2018 S/.601.33 78.08
45 2/20/2018 S/.605.67 73.75
46 3/20/2018 S/.610.03 69.38
47 4/20/2018 S/.614.43 64.99
48 5/20/2018 S/.618.86 60.56
49 6/20/2018 S/.623.32 56.10
50 7/20/2018 S/.627.81 51.61
51 8/20/2018 S/.632.33 47.08
52 9/20/2018 S/.636.89 42.52
53 10/20/2018 S/.641.48 37.93
54 11/20/2018 S/.646.10 33.31
55 12/20/2018 S/.650.76 28.65
56 1/20/2019 S/.655.45 23.96
57 2/20/2019 S/.660.18 19.24
58 3/20/2019 S/.664.93 14.48
59 4/20/2019 S/.669.73 9.69
60 5/20/2019 S/.674.55 4.86
un monto de $ 33,000.00 a una TEA del 9% a 5 aos, en cuotas fijas mensuales

esgravamen 0.015%
ehicular 0.090%
es 5
a S/.679.41
de Costo efectiva mensual 0.91%
E.A. 11.53%

Seguro Seguro
Portes Cuota total Saldo Flujos
desgravamen vehicular
33000 -33000
4.95 29.7 5 S/.716.81 S/.32,558.43 S/.716.81
4.8837640851 29.7 5 S/.716.81 S/.32,113.67 S/.716.81
4.8170507866 29.7 5 S/.716.81 S/.31,665.71 S/.716.81
4.7498566638 29.7 5 S/.716.81 S/.31,214.52 S/.716.81
4.6821782512 29.7 5 S/.716.81 S/.30,760.08 S/.716.81
4.6140120584 29.7 5 S/.716.81 S/.30,302.36 S/.716.81
4.5453545699 29.7 5 S/.716.81 S/.29,841.35 S/.716.81
4.4762022446 29.7 5 S/.716.81 S/.29,377.01 S/.716.81
4.4065515161 29.7 5 S/.716.81 S/.28,909.33 S/.716.81
4.3363987923 29.7 5 S/.716.81 S/.28,438.27 S/.716.81
4.2657404552 29.7 5 S/.716.81 S/.27,963.82 S/.716.81
4.1945728606 29.7 5 S/.716.81 S/.27,485.95 S/.716.81
4.1228923381 29.7 5 S/.716.81 S/.27,004.63 S/.716.81
4.0506951909 29.7 5 S/.716.81 S/.26,519.85 S/.716.81
3.9779776955 29.7 5 S/.716.81 S/.26,031.57 S/.716.81
3.9047361016 29.7 5 S/.716.81 S/.25,539.78 S/.716.81
3.8309666319 29.7 5 S/.716.81 S/.25,044.44 S/.716.81
3.7566654818 29.7 5 S/.716.81 S/.24,545.53 S/.716.81
3.6818288192 29.7 5 S/.716.81 S/.24,043.02 S/.716.81
3.6064527846 29.7 5 S/.716.81 S/.23,536.89 S/.716.81
3.5305334906 29.7 5 S/.716.81 S/.23,027.11 S/.716.81
3.4540670217 29.7 5 S/.716.81 S/.22,513.66 S/.716.81
3.3770494342 29.7 5 S/.716.81 S/.21,996.51 S/.716.81
3.2994767561 29.7 5 S/.716.81 S/.21,475.63 S/.716.81
3.2213449866 29.7 5 S/.716.81 S/.20,951.00 S/.716.81
3.1426500961 29.7 5 S/.716.81 S/.20,422.59 S/.716.81
3.0633880262 29.7 5 S/.716.81 S/.19,890.36 S/.716.81
2.9835546888 29.7 5 S/.716.81 S/.19,354.31 S/.716.81
2.9031459668 29.7 5 S/.716.81 S/.18,814.38 S/.716.81
2.8221577132 29.7 5 S/.716.81 S/.18,270.57 S/.716.81
2.740585751 29.7 5 S/.716.81 S/.17,722.84 S/.716.81
2.6584258733 29.7 5 S/.716.81 S/.17,171.16 S/.716.81
2.5756738428 29.7 5 S/.716.81 S/.16,615.50 S/.716.81
2.4923253917 29.7 5 S/.716.81 S/.16,055.84 S/.716.81
2.4083762214 29.7 5 S/.716.81 S/.15,492.15 S/.716.81
2.3238220022 29.7 5 S/.716.81 S/.14,924.39 S/.716.81
2.2386583734 29.7 5 S/.716.81 S/.14,352.54 S/.716.81
2.1528809428 29.7 5 S/.716.81 S/.13,776.57 S/.716.81
2.0664852866 29.7 5 S/.716.81 S/.13,196.45 S/.716.81
1.9794669489 29.7 5 S/.716.81 S/.12,612.14 S/.716.81
1.8918214419 29.7 5 S/.716.81 S/.12,023.63 S/.716.81
1.8035442454 29.7 5 S/.716.81 S/.11,430.87 S/.716.81
1.7146308067 29.7 5 S/.716.81 S/.10,833.84 S/.716.81
1.62507654 29.7 5 S/.716.81 S/.10,232.51 S/.716.81
1.5348768268 29.7 5 S/.716.81 S/.9,626.85 S/.716.81
1.444027015 29.7 5 S/.716.81 S/.9,016.82 S/.716.81
1.3525224193 29.7 5 S/.716.81 S/.8,402.39 S/.716.81
1.2603583204 29.7 5 S/.716.81 S/.7,783.53 S/.716.81
1.1675299651 29.7 5 S/.716.81 S/.7,160.22 S/.716.81
1.0740325657 29.7 5 S/.716.81 S/.6,532.41 S/.716.81
0.9798613004 29.7 5 S/.716.81 S/.5,900.08 S/.716.81
0.8850113124 29.7 5 S/.716.81 S/.5,263.18 S/.716.81
0.7894777098 29.7 5 S/.716.81 S/.4,621.70 S/.716.81
0.6932555656 29.7 5 S/.716.81 S/.3,975.60 S/.716.81
0.5963399173 29.7 5 S/.716.81 S/.3,324.84 S/.716.81
0.4987257667 29.7 5 S/.716.81 S/.2,669.39 S/.716.81
0.4004080792 29.7 5 S/.716.81 S/.2,009.21 S/.716.81
0.3013817844 29.7 5 S/.716.81 S/.1,344.28 S/.716.81
0.2016417751 29.7 5 S/.716.81 S/.674.55 S/.716.81
0.1011829073 29.7 5 S/.716.81 S/.-0.00 S/.716.81