Documentos de Académico
Documentos de Profesional
Documentos de Cultura
FINANC
AMORT
TOTAL
IGV
30,449.20
38,764.30
6,977.57
1.245%
Monto de la cuota mensual
S/. 38,764.30 (son 24 PAGAR
cuotas)
1
814,863.26 10,141.09 28,623.21 38,764.30
6,977.57
45,741.87
Monto opcin de compra S/. 20,000.00
2
786,240.04
9,784.87 28,979.43 38,764.30
6,977.57
45,741.87
Plazo3 del contrato
2 aos (24 meses) 6,977.57
757,260.61
9,424.21 29,340.09 38,764.30
45,741.87
Tasa de
inters
anual 9,059.0716.00%
4
727,920.52
29,705.23 38,764.30
6,977.57
45,741.87
Tasa de
inters
mensual
1.245%
5
698,215.29
8,689.39 30,074.91 38,764.30
6,977.57
45,741.87
6
668,140.38
8,315.10
45,741.87
7
637,691.18
30,828.15 que
38,764.30
6,977.57
45,741.87
Para fines contables,
se tiene7,936.15
conocimiento
el Valor
Razonables
es de S/.
606,863.03
7,552.49 31,211.81 38,764.30
6,977.57
45,741.87
690,000.00. 8
9
575,651.23
7,164.06 31,600.24 38,764.30
6,977.57
45,741.87
10
544,050.99
6,770.79 31,993.51 38,764.30
6,977.57
45,741.87
11 del 512,057.48
6,372.63
32,391.67
38,764.30
6,977.57
45,741.87
Determinacin
Valor Actual
de las
cuotas
12
479,665.80
5,969.51 32,794.79 38,764.30
6,977.57
45,741.87
Para este caso,
vamos
a emplear
la presente frmula: 6,977.57
13
446,871.01
5,561.37 33,202.93 38,764.30
45,741.87
14 S 413,668.08
5,148.16
33,616.14
38,764.30
6,977.57
45,741.87
A
15
380,051.94
4,729.80 34,034.50 38,764.30
6,977.57
45,741.87
1 38,764.30 6,977.57
16
346,017.44
4,306.23 34,458.07
45,741.87
n
VP
17(1+r) 311,559.37
3,877.40 34,886.90
38,764.30
6,977.57
45,741.87
1
r
(1+r)
n
18
276,672.47
3,443.23 35,321.07 38,764.30
6,977.57
45,741.87
19
241,351.40
3,003.65 35,760.65 38,764.30
6,977.57
45,741.87
Donde:
20
205,590.75
2,558.61 36,205.69 38,764.30
6,977.57
45,741.87
S
: Valor Residual garantizada (opcin de compra)
21
169,385.05
2,108.02 36,656.28 38,764.30
6,977.57
45,741.87
A
: Pago peridico regular (cuotas)
22
132,728.77
1,651.83
37,112.47
38,764.30
6,977.57
45,741.87
n
: Nmero de ejercicios
r
inters implcita
23: Tasa de95,616.30
1,189.96 37,574.34 38,764.30
6,977.57
45,741.87
24
58,041.96
722.34 38,041.96 38,764.30
6,977.57
45,741.87
O.C.
20,000.00 20,000.00
3,600.00
23,600.00
Reemplazando la frmula antes
expuesta,
cifras seran
sigue:
135,479.94
814,863.26 las
950,343.20
171,061.78como
1,121,404.98
Desarrollo
COMPOSICION DE LA CUOTA
N Cuota MONTO FINANC
INT
2.684%
Razonable
AMORT
TOTAL
IGV
TOTAL A PAGAR
648,971.12
17,418.38
21,345.92
38,764.30
6,977.57
5
6
7
8
9
10
11
12
13
605,706.36
583,199.22
560,087.99
536,356.45
511,987.96
486,965.41
461,271.27
434,887.49
407,795.57
16,257.16
15,653.07
15,032.76
14,395.81
13,741.76
13,070.15
12,380.52
11,672.38
10,945.23
22,507.14
23,111.23
23,731.54
24,368.49
25,022.54
25,694.15
26,383.78
27,091.92
27,819.07
38,764.30
38,764.30
38,764.30
38,764.30
38,764.30
38,764.30
38,764.30
38,764.30
38,764.30
6,977.57
6,977.57
6,977.57
6,977.57
6,977.57
6,977.57
6,977.57
6,977.57
6,977.57
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87
45,741.87