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P = 10,000.00 n
n = 2.5
S = Q 17,500.00
i = ?
i = 17,500.00/10,000.00 -1 P = 1.75 1
2.5 2.5
P = 0.75 i = 0.30
2.5
P = 30,000.00 n
n = 20/12=1.6666667
S = Q 40,500.00
i = ?
1.6666667 1.6666667
i = 0.35 i = 0.21
1.6666667
P = 75,000.00 n
n= 2
S = Q 102,000.00
i = ?
i= 102,000.00/75,000.00 -1 i = 1.36 1 i = 0.36 i = 0.18
2 2 2
DATOS: Banco B
APLICACIONES PPARA EL CLCULO DE LA TASA
P = 10,000.00 n
n = 2.5
S = Q 17,500.00
i = ?
i = 17,500.00/10,000.00 -1 P = 1.75 1
2.5 2.5
P = 0.75 i = 0.30
2.5
P = 30,000.00 n
n = 20/12=1.6666667
S = Q 40,500.00
i = ?
1.6666667 1.6666667
i = 0.35 i = 0.21
1.6666667
P = 75,000.00 n
n= 2
S = Q 102,000.00
i = ?
i= 102,000.00/75,000.00 -1 i = 1.36 1 i = 0.36 i = 0.18
2 2 2
DATOS: Banco B
APLICACIONES PPARA EL CLCULO DE LA TASA
P = 10,000.00 n
n = 2.5
S = Q 17,500.00
i = ?
i = 17,500.00/10,000.00 -1 P = 1.75 1
2.5 2.5
P = 0.75 i = 0.30
2.5
P = 30,000.00 n
n = 20/12=1.6666667
S = Q 40,500.00
i = ?
1.6666667 1.6666667
i = 0.35 i = 0.21
1.6666667
P = 75,000.00 n
n= 2
S = Q 102,000.00
i = ?
i= 102,000.00/75,000.00 -1 i = 1.36 1 i = 0.36 i = 0.18
2 2 2
DATOS: Banco B
P = 75,000.00
n = 1.5
S = 97,500.00
i =
P = 10,000.00 i
S = 20,000.00
i = 0.18
n=
P = 30,000.00 i
S = 50,000.00
i = 0.26
n=
P = Q 8,000.00 n
n = 2
S = Q 16,000.00
i = ?
i = 16000/8000 -1 i = 2 1 i= 1 i = 0.5__
2 2 2
.
P =? 1+ni
n = 300/360= 0.83333333
i = 0.21
S = Q 90,000.00
P = Q 25,000.00 n
n = 2.5
S = Q 65,000.00
i = ?
P =? 1+ni
n = 205/360= 0.5694444444
i = 0.015*12= 0.18
S = Q 33,500.00
S = 300,000.00
i = 0.18
n =?
.33333 * 30 = 10 das
P = 70,000.00 i
S = 160,000.00
i = 0.24
n =?
DATOS:
P= ? P= 3,500.00 .
n = 150/360
i= 0.16 P = 3,500.00 .
1 + 0.416666666 * 0.16
P = 3,500.00 .
1 + 0.0666666666
1.066666666
DATOS:
P = ? P = 3,000.000.00 .P = 3, 000,000.00 .
n = 5 + 170/360
i = 0.15
1 + 0.82083333 1.8208333333
DATOS:
P = ? P = 125.000.00 . P = 125,000.00 .
n = 300/360
i = 0.18
P = 125.000.00. P = 108,695.65
1.1499999999
DATOS:
P = ? P = 253.000.00 . P = 253,000.00 .
n = 134/365 Aqu los das estn de acuerdo al calendario, tomar en cuenta meses de 30
y 31 das
i = 0.145
P = 253.000.00. P = Q 240,212.78
1.053232876
P = Q 240,212.78 Es el valor actual.
DATOS:
P =? 1+ni
i = 0.27
S = Q 150,000.00
P = ? 1+ni
n = 214/360 = 0.59444444
i = 0.27
S = Q 150,000.00
DATOS:
P= ? 1+ni
n = 210/360 = 0.5833333333
i = 0.27
S = Q 150,000.00
DATOS:
P =? 1+ni
n = 210/365 = 0.5753424658
i = 0.27
S = Q 150,000.00
P= 150,000.00 P = 150,000.00 P = 150,000.00 P = Q 129,831.63 1+
0.5753424658* .27 1+0.1573424658 1.1573424658
P =? 1+ni
n= 2
i = 0.15
S = Q 58,500
DATOS
P =?
S = 10,000.00 P= __10,000.00__ P= __10,000.00__
n = 48/365 1+0.131506849 1+0.23671232
i = 0.18
P= __10,000.00__ P = Q. 9,768.76
1.023671232
DATOS:
P = ? P= 18.000.00 . P= 18,000.00 .
n = 265/360= 0.7361111111
i = 0.1825
P = 18.000.00. P = Q 15,868.25
1.1343402778
P = ? P = 18.000.00 . P = 18,000.00 .
n = 265/360= 0.7361111111
i = 0.27
P = 18.000.00. P = Q 15,015.64
1.19875
DATOS:
P= ? P= 18.000.00 . P= 18,000.00 .
n = 180/360
i = 0.20
P = 18.000.00. P = Q 16,363.64
1.1
Procedimiento de clculo:
DATOS:
S = formulaS ) P(1+ni)
S = 10,780.82
R lo que significa que son Q 780.82 que se gana con la operacin por
concepto de intereses si la negociacin finalizara en el tiempo
establecido; es decir dentro de 150 das.
n = 120/360 1 + ni 1+0.33333333*.15
i = 0.15
1+0.05 1.05
DATOS:
P =? FORMULA: S= P ( 1 + ni )
S = 75,000.00 S=75,000.00 (1+0.575342465*0.24)
n = 210/365 S=75,000.00 (1 + 0.138084591)
i = 0.30 S=75,000.00 * 1.138084591
S=85,356.16
DATOS:
P =?
S = 85,356.16 P= __S__ P= ____85,356.16_____
n = 120/360 1 + ni 1+0.33333333 * 0.20
I = 0.20
P=
DATOS:
S = Formula S = P(1+ni)
S = Q 29,083.33
DATOS:
S = 29,083.33 Formula P= S . P = 29,083.33 .
i = .18
1+.06706849315 1.06706849315
DATOS:
S = Formula S = P(1+ni)
P = 80,000.00 S = 80,000.00(1+1.822222222*0.26)
n = 656/360 = 1.822222222 S = 80,000.00 (1+.473777778)
i = 0.26 S = 80,000.00* 1.473777778
S = Q 117,902.22
DATOS:
S = Q 117,902.22 Formula P= S . P = Q 117,902.22 .
i = .20
1+.1709589041 1.1709589041
PROBLEMA 69. Una empresa tiene que pagar tres letras de cambio
de Q. 25,000.00 cada una en las fechas siguientes: 1 de junio, 15 de
agosto y 20 de septiembre; por no contar con la liquidez suficiente en
esas fechas para cancelar las letras; conviene con el acreedor en
pagarlas hasta el 15 de diciembre, reconociendo en la operacin el
18% de inters simple. Cuanto tendr que pagar el 15 de
diciembre?
PAGARE LETRA
DATOS:
P =10,000.00 FORMULA: S= P (1 + ni)
S= S=10,000.00 (1+0.739726027*0.19)
n = 270/365 S=10,000.00 (1 + 0.140547947)
i = 0.19 S=10,000.00 * 1.140547947
S=11,405.48
Entonces tenemos la siguiente grafica de tiempo y valor:
P= FORMULA: P= P (1 + ni)
S =1,500.00 P=1,500.00 (1+0.065573770*0.12)
n = 24/366 (22 Julio al 15 Agosto = 24 dais) P=1,500.00 (1 + 0.002191780)
i = 0.12 P=1,500.00* 1.00786885
P=1488.29
P= FORMULA: P= P (1 + ni)
S =2,500.00 P=2,500.00 (1+0.443835616*0.12)
n = 162/365 (22 Julio al 31 Dic. = 41 das) P=2,500.00 (1 + 0.053260273)
i = 0.12 P=2,500.00* 1.053260273
P=2,373.58
n= 25 das / / /
___________________n= 41 das / /
P = P = 125,000/ 1.1
P = 113,636.36
P = P = 253,000/ 1.01708219178
P = Q 248,750.79
Conclusin
P = 10,000.00 n
n = 2.5
S = Q 17,500.00
i = ?
i = 17,500.00/10,000.00 -1 P = 1.75 1
2.5 2.5
P = 0.75 i = 0.30
2.5
n = 20/12=1.6666667
S = Q 40,500.00
i = ?
1.6666667 1.6666667
i = 0.35 i = 0.21
1.6666667
P = 75,000.00 n
n= 2
S = Q 102,000.00
i = ?
i= 102,000.00/75,000.00 -1 i = 1.36 1 i = 0.36 i = 0.18
2 2 2
DATOS: Banco B
P = 75,000.00
n = 1.5
S = 97,500.00
i =
P = 10,000.00 i
S = 20,000.00
i = 0.18
n=
P = 30,000.00 i
S = 50,000.00
i = 0.26
n=
P = Q 8,000.00 n
n = 2
S = Q 16,000.00
i = ?
i = 16000/8000 -1 i = 2 1 i= 1 i = 0.5__
2 2 2
.
P =? 1+ni
n = 300/360= 0.83333333
i = 0.21
S = Q 90,000.00
P = Q 25,000.00 n
n = 2.5
S = Q 65,000.00
i = ?
i= 65000/25000 -1 i = 2.6 1 i = 1.6 i = 0.64
P =? 1+ni
n = 205/360= 0.5694444444
i = 0.015*12= 0.18
S = Q 33,500.00
S = 300,000.00
i = 0.18
n =?
.33333 * 30 = 10 das
R. = 1 ao, 1 mes, 10 das
P = 70,000.00 i
S = 160,000.00
i = 0.24
n =?
DATOS:
P= ? P= 3,500.00 .
n = 150/360
i= 0.16 P = 3,500.00 .
1 + 0.416666666 * 0.16
P = 3,500.00 .
1 + 0.0666666666
1.066666666
DATOS:
P = ? P = 3,000.000.00 .P = 3, 000,000.00 .
n = 5 + 170/360
i = 0.15
1 + 0.82083333 1.8208333333
P = 1, 647,627.42 Es el valor actual.
DATOS:
P = ? P = 125.000.00 . P = 125,000.00 .
n = 300/360
i = 0.18
P = 125.000.00. P = 108,695.65
1.1499999999
P = 108,695.65 Es el valor actual.
DATOS:
P = ? P = 253.000.00 . P = 253,000.00 .
n = 134/365 Aqu los das estn de acuerdo al calendario, tomar en cuenta meses de 30
y 31 das
i = 0.145
P = 253.000.00. P = Q 240,212.78
1.053232876
DATOS:
P =? 1+ni
i = 0.27
S = Q 150,000.00
P = 150,000.00 . P = 150,000.00 P = 150,000.00 P = Q 129,499.98 1+ 0.586301699 *
.27 1+0.1583013699 1.1583013699
DATOS:
P = ? 1+ni
n = 214/360 = 0.59444444
i = 0.27
S = Q 150,000.00
DATOS:
P= ? 1+ni
n = 210/360 = 0.5833333333
i = 0.27
S = Q 150,000.00
DATOS:
P =? 1+ni
n = 210/365 = 0.5753424658
i = 0.27
S = Q 150,000.00
P =? 1+ni
n= 2
i = 0.15
S = Q 58,500
P =?
S = 10,000.00 P= __10,000.00__ P= __10,000.00__
n = 48/365 1+0.131506849 1+0.23671232
i = 0.18
P= __10,000.00__ P = Q. 9,768.76
1.023671232
DATOS:
P = ? P= 18.000.00 . P= 18,000.00 .
n = 265/360= 0.7361111111
i = 0.1825
P = 18.000.00. P = Q 15,868.25
1.1343402778
P = ? P = 18.000.00 . P = 18,000.00 .
n = 265/360= 0.7361111111
i = 0.27
P = 18.000.00. P = Q 15,015.64
1.19875
DATOS:
P= ? P= 18.000.00 . P= 18,000.00 .
n = 180/360
i = 0.20
P = 18.000.00. P = Q 16,363.64
1.1
P = Q 16,363.64 Es el valor actual.
Procedimiento de clculo:
DATOS:
S = formulaS ) P(1+ni)
S = 10,780.82
R lo que significa que son Q 780.82 que se gana con la operacin por
concepto de intereses si la negociacin finalizara en el tiempo
establecido; es decir dentro de 150 das.
3. Luego determinar el valor actual de la cantidad que hay que
pagar al vencimiento Es decir, el valor actual de Q 10,780.82
DATOS:
S = 10,780.82 P= S . P = 10,780.82 .
n = 120/360 1 + ni 1+0.33333333*.15
i = 0.15
1+0.05 1.05
DATOS:
P =? FORMULA: S= P ( 1 + ni )
S = 75,000.00 S=75,000.00 (1+0.575342465*0.24)
n = 210/365 S=75,000.00 (1 + 0.138084591)
i = 0.30 S=75,000.00 * 1.138084591
S=85,356.16
DATOS:
P =?
S = 85,356.16 P= __S__ P= ____85,356.16_____
n = 120/360 1 + ni 1+0.33333333 * 0.20
I = 0.20
P=
DATOS:
S = Formula S = P(1+ni)
P = 25,000.00 S = 25,000.00 (1+.6805555556*.24)
S = Q 29,083.33
DATOS:
S = 29,083.33 Formula P= S . P = 29,083.33 .
i = .18
1+.06706849315 1.06706849315
DATOS:
S = Formula S = P(1+ni)
P = 80,000.00 S = 80,000.00(1+1.822222222*0.26)
n = 656/360 = 1.822222222 S = 80,000.00 (1+.473777778)
i = 0.26 S = 80,000.00* 1.473777778
S = Q 117,902.22
DATOS:
S = Q 117,902.22 Formula P= S . P = Q 117,902.22 .
i = .20
1+.1709589041 1.1709589041
PROBLEMA 69. Una empresa tiene que pagar tres letras de cambio
de Q. 25,000.00 cada una en las fechas siguientes: 1 de junio, 15 de
agosto y 20 de septiembre; por no contar con la liquidez suficiente en
esas fechas para cancelar las letras; conviene con el acreedor en
pagarlas hasta el 15 de diciembre, reconociendo en la operacin el
18% de inters simple. Cuanto tendr que pagar el 15 de
diciembre?
PAGARE LETRA
DATOS:
P =10,000.00 FORMULA: S= P (1 + ni)
S= S=10,000.00 (1+0.739726027*0.19)
n = 270/365 S=10,000.00 (1 + 0.140547947)
i = 0.19 S=10,000.00 * 1.140547947
S=11,405.48
P= FORMULA: P= P (1 + ni)
S =1,500.00 P=1,500.00 (1+0.065573770*0.12)
n = 24/366 (22 Julio al 15 Agosto = 24 dais) P=1,500.00 (1 + 0.002191780)
i = 0.12 P=1,500.00* 1.00786885
P=1488.29
P= FORMULA: P= P (1 + ni)
S =2,500.00 P=2,500.00 (1+0.443835616*0.12)
n = 162/365 (22 Julio al 31 Dic. = 41 das) P=2,500.00 (1 + 0.053260273)
i = 0.12 P=2,500.00* 1.053260273
P=2,373.58
n= 25 das / / /
___________________n= 41 das / /
P = P = 125,000/ 1.1
P = 113,636.36
P = P = 253,000/ 1.01708219178
P = Q 248,750.79
Conclusin