a)

P 4,000.00
TNS 4.00% CD ---> TND = 4%*(1/180) = TED
I 218.75
F 4,218.75
n?

4,218.75 = 4,000 * (1+TED) ^ n 239.63 días

4,218.75 = 4,000 * (1+4%/180) ^ n 4,218.75

b)

TNM 0.70% CD
TND = TED 0.0233%

t:0 800.00 ---> t:6 meses 834.31

t:3 meses 900.00 ---> t:6 meses 919.10

1,753.41

c)

Escenario 1: Intereses = 3000

P C
n 69.00 días
F 3000 + C
TNM 1.50% CC ---> TNC = TEC = 1.5%*(120/30) = 6%

C+3000 = C * (1+6%)^(69/120)
C+3000 = 1.0341 C
3000 = 0.0341 C
88,048.26 = C

Escenario 2: Intereses = C = 88,048.26

P 88,048.26
F 176,096.52
TEC 6%
n ??? cuatrimestres

176,096.52 = 88,048.26 *(1+6%)^n ---> n = 11.89 cuatrimestres

2.00 11.89
2.00
a) y b)
Meses
0 3,850.00 TNA 12% CT ---> TNT = 12%*(90/360) = 3% = TET
1 3,338.12 TNB 2% CB ---> TEB = 2%
4 10,238.76 TND 0.03% CS ---> TNS = TES = 0.03%*(180/1) = 5.4%
6 7,919.84 TNA 11.5% CQ ---> TNQ = TEQ = 11.5%*(15/360) = 11.5% / 24
7 10,395.92 TNS 3.8% CC ---> TNC = TEC = 3.8%*(120/180) = 7.6% / 3
12 10,726.16

LE FALTA DINERO PARA EL TV = 4,273.84

c)
X*(1+3%)^(30/90)*(1+2%)^(90/60)*(1+5.4%)^(60/180)*(1+11.5%/24)^(30/15)*(1+7.6%/3)^(150/120) = 15000
X= 13,600.82

Meses
0 13,600.82 TNA 12% CT ---> TNT = 12%*(90/360) = 3% = TET
1 13,735.49 TNB 2% CB ---> TEB = 2%
4 14,149.61 TND 0.03% CS ---> TNS = TES = 0.03%*(180/1) = 5.4%
6 14,399.85 TNA 11.5% CQ ---> TNQ = TEQ = 11.5%*(15/360) = 11.5% / 24
7 14,538.18 TNS 3.8% CC ---> TNC = TEC = 3.8%*(120/180) = 7.6% / 3
12 15,000.00

d) F 15,000.00 15000 = 13601 * (1+TEA)^1

P 13,600.82 10.2875% = TEA
n 1 año
i TEA

d) Interes 726 =F-P-6800-2400+550+2500 4576 = 3850 * (1+TEA)^1

P 3,850 18.86% = TEA
F 4,576
FLUJO DE EFECTIVO DEL PRESTATARIO: AÑOS
10500 0
1
2
AÑOS 3
0 1 2 3 4
4

2500 3500 4500 X

TNA 18% CM ---> TNM = 18%*(30/360) = 18% / 12 = TEM ---> TEA = (1+1.5%) ^ (360/30) - 1 =

ECUACION FINANCIERA: t=0: 10500 = 2500*(1+18%/12)^-12+3500*(1+18%/12)^-24+4500*(1+18%/12)^-36+X*(1+18%/12)

10500 = 7,172.28 + 0.4894 X
3,327.72 = 0.4894 X
6,800.13 = X

INTERES = 6,800.13

b)

TNA 17.8% CSema ---> TNSema = 17.8%*(7/360) = 124.6% / 360 = 0.3461% = TESema ---> TEA = (1+124.6%/360)^(360/7)-1

ECUACION FINANCIERA: t=0: 10500 = 2500*(1+0.3461%)^-(360/7)+3500*(1+0.3461%)^-(720/7)+4500*(1+0.3461%)^-(1080

10500 = 7,186.83 + 0.4913 X
3,313.17 = 0.4913 X
6,744.01 = X

c) OPCION 1: TEM = 1.5%

OPCION 2: TESema = 0.3461% ---> TEM = (1+0.3461%)^(30/7)-1 = 1.49%

MEJOR OPCION PARA PRESTARSE SERIA LA OPCION 2

 DEUDA AMORTIZACION INTERES CUOTA
10,500.00
10,053.99 446.01 2,053.99 2,500.00
8,520.73 1,533.26 1,966.74 3,500.00
5,687.54 2,833.19 1,666.81 4,500.00
- 5,687.54 1,112.59 6,800.13
10,500.00 6,800.13 17,300.13

19.56%

0*(1+18%/12)^-36+X*(1+18%/12)^-48

EA = (1+124.6%/360)^(360/7)-1 19.45%

720/7)+4500*(1+0.3461%)^-(1080/7)+X*(1+0.3461%)^-(1440/7)
 4000
F = P * (1+i) ^ n

TRIM P = F * (1+i) ^ -n = F / ((1+i) ^ n)

0 1 2 3
TNA 17% CM ---> TNM = 17%/12 =
X 1.5 X 1.25*1.5 X TET

ECUACION FINANCIERA: t=0: 4000 = X*(1+17%/12)^-3+1.5X*(1+17%/12)^-6+1.25*1.5X*(1+17%/12)^-9

4000 = 0.9587 X + 1.3786 X +
4000 = 3.9893 X
1,002.68 = X

CUOTA 1 1,002.68 TRIM DEUDA AMORT INTERES

CUOTA 2 1,504.03 0 4,000.00
CUOTA 3 1,880.03 1 3,169.74 830.26 172.42
2 1,802.34 1,367.39 136.63
INTERESES 386.74 3 - 1,802.34 77.69
4,000.00 386.74
= P * (1+i) ^ n

= F * (1+i) ^ -n = F / ((1+i) ^ n)

NA 17% CM ---> TNM = 17%/12 = TEM

4.3105%

1.6520 X

CUOTA

1,002.68
1,504.03
1,880.03
4,386.74
a)
P 1,500.00 F = P * (1+i) ^ n
F 13,750.00 13750 = 1500 * (1+TET) ^ 32 trimestres
n 8 años 7.17% = TET = TNT … (CAPITALIZACION TRIMESTRAL, m=4)

TNA = 7.17% * (360/90) = 28.68%

TEA = (1+7.17%)^(360/90) - 1 = 31.91%

b)
TES 2P = P * (1+TES)^10 semestres
n 5 años 7.18% = TES
F= 2P
P = 1000 P = 2000 P = 3000

2,000 4,000 6,000

c)
TES 13.50% = TNS TNA = 27.00%
TNA CS ?

d) TEA 34.49%
TNA = 30% CM
TNM = 30%*(30/360) = 30% / 12 = TEM
TRAL, m=4)