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FACTOR VALOR
PER. FLUJO FUTURO
DESCUENTO PRESENTE
1 200,000.00 1.1800 169,491.53
2 500,000.00 1.3924 359,092.21
3 700,000.00 1.6430 426,041.61
4 300,000.00 1.9388 154,736.66
5 200,000.00 2.2878 87,421.84
6 25,000.00 2.6996 9,260.79
7 0.00 3.1855 0.00
8 120,000.00 3.7589 31,924.58
9 400,000.00 4.4355 90,182.43
10 25,000.00 5.2338 4,776.61
11 120,000.00 6.1759 19,430.28
12 250,000.00 7.2876 34,304.88
TOTAL 1,386,663.43
CÁLCULO DE VALOR FUTURO
FACTOR A
PER. FLUJO FUTURO VALOR FUTURO
FUTURO
1 200,000.00 6.1759 1,235,185.19
2 500,000.00 5.2338 2,616,917.78
3 700,000.00 4.4355 3,104,817.70
4 300,000.00 3.7589 1,127,657.76
5 200,000.00 3.1855 637,094.78
6 25,000.00 2.6996 67,488.85
7 0.00 2.2878 0.00
8 120,000.00 1.9388 232,653.33
9 400,000.00 1.6430 657,212.80
10 25,000.00 1.3924 34,810.00
11 120,000.00 1.1800 141,600.00
12 250,000.00 1.0000 250,000.00
TOTAL 10,105,438.19
PRIMER PAGO 1,980,000.00 A TASA 5.6721%
GRADIENTE -2.5% G NÚM. DE PAGOS 9
NÚMERO VALOR
VALOR CUOTA FACTOR DESCUENTO
CUOTA PRESENTE
1 1,980,000.00 1.0567 1,873,720.69
2 1,930,500.00 1.1167 1,728,817.42
3 1,882,237.50 1.1800 1,595,120.17
4 1,835,181.56 1.2469 1,471,762.34
5 1,789,302.02 1.3177 1,357,944.32
6 1,744,569.47 1.3924 1,252,928.36
7 1,700,955.24 1.4714 1,156,033.76
8 1,658,431.36 1.5548 1,066,632.46
9 1,616,970.57 1.6430 984,144.96
TOTAL 12,487,104.47
CRECIENTE
1,980,000.00 0.796235508570705
1.00
1.00
8.17% 1.64302073160725
VP = 24,228,778.40 0.52
VP = 12,487,104.47
VP =
10,647,770.16
CÁLCULO DE 12
5.00%
VP 20.00%
N
GRAD. 2,000,000.00
I%
15.00% 0.798582761999569
NÚMERO
VALOR CUOTA FACTOR A VALOR FUTURO
CUOTA FUTURO
1 1,980,000.00 1.5548 3,078,561.94
2 1,930,500.00 1.4714 2,840,482.86
3 1,882,237.50 1.3924 2,620,815.51
4 1,835,181.56 1.3177 2,418,136.03
5 1,789,302.02 1.2469 2,231,130.67
6 1,744,569.47 1.1800 2,058,587.27
7 1,700,955.24 1.1167 1,899,387.44
8 1,658,431.36 1.0567 1,752,499.24
9 1,616,970.57 1.0000 1,616,970.57
TOTAL 20,516,571.53
1,980,000.00
VF = * 1.64
VF = * 1.64
8.17%
VF = 20,516,571.53
VF 94,936,588.30
N 12
GRAD. 5.00%
I% 20.00%
A 2,000,000.00
15.00% 7.120244122234
PRIMER PAGO 840,000.00 A TASA 4.2246%
GRADIENTE 85,000.00 G NÚM. DE PAGOS 12
TOTAL 11,725,932.10
0.643019978988 0.1360679789885
VP = 840,000.00 85,000.00
0.069411022032 0.0029323380368
VP = 7,781,714.87 3,944,217.23
VP = 11,725,932.10
VP 9,651,767.67
N 12
GRAD. 50,000.00
I% 20.00%
A 2,000,000.00
7.916100448256
4.43922
1.7832200896512
5.516100448256
773,334.22
0.3566440179302
creciente aritmético decreciente aritmético
1000 50 1000 50
1050 950
1100 900
1150 850
1200 800
1250 750
TOTAL 19,265,940.72
0.6430199789885 0.64301997899
VF = 840,000.00 2,012,024.81 12.00
4.2246% 4.2246%
VF = 12,785,513.00 6,480,427.71
VF = 19,265,940.72
VF 86,056,130.04
N 12
GRAD. 50,000.00
I% 20.00%
A 2,000,000.00
7.916100448256
39.58050
20.00%
27.58050224128
6,895,125.56032
250,000.00
creciente geométrico Decreciente geométrico
1000 5% 1000
1050 950
1102.5 902.5
1157.625 857.375
1215.50625 814.50625