1.

𝑃𝑜𝑛𝑔𝑎 𝐹 𝑜 𝑉
2. Respuestas cortas
3. Ecuación de valor
4. Descuento de pagaré
5. Pagos parciales
6. Descuento por pronto pago
7. Interés simple
 $20,000
$15,000

FF
6 18
0 12
 $20,000
𝑃2 = 2𝑥
$15,000

FF
𝑃2 = $24,415.58
6 18
0 12

𝑃1 = 𝑥

𝑃2 = 2𝑥
𝑃𝑎𝑔𝑜𝑠 = 𝐷𝑒𝑢𝑑𝑎𝑠

12 18 6
𝑥 1 + 0.08 × + 2𝑥 = 15,000 1 + 0.08 × + 20,000 1 + 0.08 ×
12 12 12
1.08𝑥 + 2𝑥 = 16,800 + 20,800

37600
3.08𝑥 = 37,600 → 𝑥 = = $12.207.79 → 𝑃1 = 𝑥 = $12.207.79
3.08
 $20,000
𝑃2 = 2𝑥
$15,000

FF
𝑃2 = $24,426.78
6 18
0 12

𝑃1 = 𝑥

𝑃2 = 2𝑥
𝑃𝑎𝑔𝑜𝑠 = 𝐷𝑒𝑢𝑑𝑎𝑠

2𝑥 6 20,000
𝑥+ = 15,000 1 + 0.08 × +
12 12 6
1 + 0.08 × 12 1 + 0.08 × 12

𝑥 + 1.851852𝑥 = 15,600 + 19,230.77

34,830.77
2.851852𝑥 = 34,830.77 → 𝑥 = = $12,213.39
2.851852
 𝑆

𝑃 = $1,200 𝑖 = 6%

15 𝑚𝑒𝑠𝑒𝑠
𝐹𝑉 = 2 𝑎ñ𝑜𝑠
𝑟 = 5%
=24 meses
𝑉𝑎𝑙𝑜𝑟 𝑎𝑙 𝑣𝑒𝑛𝑐𝑖𝑚𝑖𝑒𝑛𝑡𝑜
𝑆 = 𝑃 1 + 𝑖𝑡 𝑃𝑟
𝑆 = 1,200 1 + 0.06 × 2 = $1,344
1,344
𝐴𝑐𝑡𝑢𝑎𝑙𝑖𝑧𝑎𝑛𝑑𝑜: 𝑃𝑟 = = $1,295.42
9
1 + 0.05 × 12
𝑆
𝑃𝑟 =
1 + 𝑟𝑡
 𝑆 = $140,000

𝑃 𝑖
𝑡

10 días
𝐹𝑉 = 60 𝑑í𝑎𝑠
𝑑

𝑃 = $133,000 50
𝑃 =𝑆 1−𝑑 𝑆 = 𝑃 1 + 𝑖𝑡 = 133,000 1 + 0.4 ×
360
𝑃 = 140,000 1 − 0.05 = $133,000
𝑆 = $140,388.89
𝐷 = 140,000 − 133,000 = $7,000
𝐿𝑒 𝑐𝑜𝑛𝑣𝑖𝑒𝑛𝑒 ℎ𝑎𝑐𝑒𝑟 𝑛𝑒𝑔𝑜𝑐𝑖𝑜 𝑦𝑎 𝑞𝑢𝑒:

𝐺𝑎𝑛𝑎𝑛𝑐𝑖𝑎 = $140,388.89 − $140,000 = $388.89