TASA 18.

00%

CÁLCULO DE VALOR PRESENTE

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 1.00 0.48

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 = 24,228,778.40 * 0.85 0.80

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

NÚMERO CUOTA VALOR CUOTA FACTOR VALOR

DESCUENTO PRESENTE
1 840,000.00 1.0422 805,951.76
2 925,000.00 1.0863 851,532.56
3 1,010,000.00 1.1322 892,094.09
4 1,095,000.00 1.1800 927,968.36
5 1,180,000.00 1.2298 959,468.72
6 1,265,000.00 1.2818 986,890.81
7 1,350,000.00 1.3360 1,010,513.48
8 1,435,000.00 1.3924 1,030,599.68
9 1,520,000.00 1.4512 1,047,397.31
10 1,605,000.00 1.5125 1,061,139.95
11 1,690,000.00 1.5764 1,072,047.67
12 1,775,000.00 1.6430 1,080,327.70

TOTAL 11,725,932.10
 0.643019978988 0.1360679789885
VP = 840,000.00 85,000.00
0.069411022032 0.0029323380368

VP = 840,000.00 9.26 85,000.00 46.40

VP = 7,781,714.87 3,944,217.23

VP = 11,725,932.10

CÁLCULO DE A (PRIMER PAGO)

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

NÚMERO CUOTA VALOR CUOTA FACTOR A FUTURO VALOR FUTURO

1 840,000.00 1.5764 1,324,194.85

2 925,000.00 1.5125 1,399,085.01
3 1,010,000.00 1.4512 1,465,728.41
4 1,095,000.00 1.3924 1,524,670.56
5 1,180,000.00 1.3360 1,576,426.28
6 1,265,000.00 1.2818 1,621,481.31
7 1,350,000.00 1.2298 1,660,293.83
8 1,435,000.00 1.1800 1,693,295.87
9 1,520,000.00 1.1322 1,720,894.71
10 1,605,000.00 1.0863 1,743,474.14
11 1,690,000.00 1.0422 1,761,395.74
12 1,775,000.00 1.0000 1,775,000.00

TOTAL 19,265,940.72
 0.6430199789885 0.64301997899
VF = 840,000.00 2,012,024.81 12.00
4.2246% 4.2246%

VF = 840,000.00 15.22 2,012,024.81 15.22 12.00

VF = 12,785,513.00 2,012,024.81 3.22

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