VP

A
n
i
g

5000

CUOTA
0
1
2
3
4
5
6

6
1.50%
6%

756.82
802.23
850.37
901.39
955.47
1012.80

INTERS
75.00
64.77
53.71
41.76
28.87
14.97

ABONO
681.82
737.46
796.66
859.63
926.60
997.83

EJERCICIO 04
Un electrodomstico tiene valor de contado de 475,000 y puede adquirirse con una inicial de 52,020
y el resto financiado a 2 aos con cuotas mensuales iguales a un inters del 2,5% mensual. Hallar el
n
CUOTA
INTERS
VALOR
475,000.00
0
INICIAL
52,020.00
1
23650.00
10574.50
SALDO
422,980.00
2
23650.00
10247.61
n
24 MESES
3
23650.00
9912.55
i
2.50%
4
23650.00
9569.12
? SALDO MES 15
5
23650.00
9217.09
6
23650.00
8856.27
7
23650.00
8486.43
8
23650.00
8107.34
9
23650.00
7718.77
10
23650.00
7320.49
11
23650.00
6912.25
12
23650.00
6493.81
13
23650.00
6064.90
14
23650.00
5625.28
15
23650.00
5174.66
16
23650.00
4712.78
17
23650.00
4239.34
18
23650.00
3754.08
19
23650.00
3256.68
20
23650.00
2746.85
21
23650.00
2224.27
22
23650.00
1688.62
23
23650.00
1139.59
24
23650.00
576.83

EJERCICIO 06
VP
30,000.00
A
?
n
18
i
3.50%

CUOTA
0
1
2

2,426.1
2,406.1

INTERS
1,050.0
1,001.8

ABONO
1,376.1
1,404.3

VP
i
n

20.00

10845.76
3.50%
8

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
n

2,386.1
2,366.1
2,346.1
2,326.1
2,306.1
2,286.1
2,266.1
2,246.1
2,226.1
2,206.1
2,186.1
2,166.1
2,146.1
2,126.1
2,106.1
2,086.1
CUOTA

0
1
2
3
4
5
6
7
8

1577.80
1577.80
1577.80
1577.80
1577.80
1577.80
1577.80
1577.80

952.7
902.5
851.3
799.0
745.5
690.9
635.1
578.0
519.6
459.9
398.8
336.2
272.2
206.6
139.4
70.5
INTERS
379.60
337.66
294.26
249.34
202.84
154.72
104.91
53.36

1,433.4
1,463.6
1,494.8
1,527.1
1,560.6
1,595.2
1,631.0
1,668.1
1,706.5
1,746.2
1,787.3
1,829.9
1,874.0
1,919.5
1,966.7
2,015.6
ABONO
1198.20
1240.14
1283.55
1328.47
1374.97
1423.09
1472.90
1524.45

EJERCICIO 07
Un electrodomstico vale al contado 620,000; se adquiere con una cuota inicial de 125,000 y el resto
con cuotas mensuales iguales y un inters de 2% mensual. Elaborar la tabla de la deuda.
n
CUOTA
INTERS
ABONO
vp
495000
0
12500
n
8
1
67572.35
9900.00
57672.35
i
2%
2
67572.35
8746.55
58825.80
3
67572.35
7570.04
60002.31
4
67572.35
6369.99
61202.36
5
67572.35
5145.94
62426.41
6
67572.35
3897.42
63674.94
7
67572.35
2623.92
64948.43
8
67572.35
1324.95
66247.40

SALDO
5000
4318.18
3580.72
2784.06
1924.44
997.83
0.00

con una inicial de 52,020

l 2,5% mensual. Hallar el saldo a cabo de 15 meses.
ABONO
SALDO
422,980.00
13075.50
409,904.50
13402.39
396,502.10
13737.45
382,764.65
14080.89
368,683.76
14432.91
354,250.85
14793.73
339,457.12
15163.58
324,293.54
15542.67
308,750.87
15931.23
292,819.64
16329.51
276,490.13
16737.75
259,752.38
17156.20
242,596.18
17585.10
225,011.08
18024.73
206,986.35
18475.35
188,511.01
18937.23
169,573.78
19410.66
150,163.12
19895.93
130,267.19
20393.32
109,873.87
20903.16
88,970.71
21425.74
67,544.97
21961.38
45,583.59
22510.41
23,073.18
23073.18
0.00000

SALDO
30,000.00
28,623.9
27,219.6

25,786.2
24,322.6
22,827.8
21,300.7
19,740.1
18,144.9
FUNCION PAGO
16,513.9
14,845.8 MENOS 4,000 =
10,845.76 Vp
13,139.3
3.50% i
11,393.0
8n
9,605.7
7,775.8
$ -1,577.80
5,901.8
3,982.3
2,015.6
0.0
SALDO
10,845.76
9,647.56
8,407.42
7,123.87
5,795.40
4,420.44
2,997.35
1,524.45
0.00

cial de 125,000 y el resto financiado en 8 meses

a de la deuda.
SALDO
495,000.00
437,327.65
378,501.85
318,499.54
257,297.18
194,870.77
131,195.84
66,247.40
0.00

1.Se requiere amortizar un prstamo de S/. 10,000, en el plazo de un ao, con cuotas uniforme
P
n
TET
cuota

10000
4
0.04
2754.900

CUOTA
0
1
2
3
4

2.Calcule la quinta cuota principal

n
A
235
n
24
i
0.01

INTERS

2754.900
400
2754.900 305.80398185
2754.900 207.84012298
2754.900 105.95770976

PRINCIPAL
2354.900
2449.096
2547.060
2648.943

de un prstamo que se amortiza en un plazo de 2 aos, con c

CUOTA
INTERS
PRINCIPAL
0
1
235
49.92
185.08
2
235
48.07
186.93
3
235
46.20
188.80
4
235
44.31
190.69
5
235
42.41
192.59
6
235
40.48
194.52
7
235
38.54
196.46
8
235
36.57
198.43
9
235
34.59
200.41
10
235
32.58
202.42
11
235
30.56
204.44
12
235
28.51
206.49
13
235
26.45
208.55
14
235
24.36
210.64
15
235
22.26
212.74
16
235
20.13
214.87
17
235
17.98
217.02
18
235
15.81
219.19
19
235
13.62
221.38
20
235
11.41
223.59
21
235
9.17
225.83
22
235
6.91
228.09
23
235
4.63
230.37
24
235
2.33
232.67

3. Un proyecto de inversin que demanda un financiamiento bancario de S/. 10,000 y devenga de

con cuotas trimestrales uniformes vencidas. Cul ser el importe de la sptima cuota principal?
P
TET
n

10000
4%
8

CUOTA
0
1
2
3
4
5
6

1,485.28
1,485.28
1,485.28
1,485.28
1,485.28
1,485.28

INTERS
400.00
356.59
311.44
264.49
215.66
164.87

PRINCIPAL
1085.28
1128.69
1173.84
1220.79
1269.62
1320.41

7
8

1,485.28
1,485.28

112.06
57.13

1373.22
1428.15

4.Un electrodomstico tiene valor de contado de 475,000 y puede adquirirse con una inicial de
mensuales iguales a un inters del 2,5% mensual. Hallar el saldo a cabo de 15 meses.
P
inicial
saldo
n
tasa

475000
52020
422980
24
2.50%

CUOTA
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

23,650.00
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048
23650.0048

INTERS
10574.50
10247.61
9912.55
9569.12
9217.09
8856.27
8486.43
8107.34
7718.77
7320.49
6912.25
6493.81
6064.90
5625.28
5174.66
4712.78
4239.34
3754.08
3256.68
2746.85
2224.27
1688.62
1139.59
576.83

PRINCIPAL
13075.50
13402.39
13737.45
14080.89
14432.91
14793.73
15163.58
15542.67
15931.23
16329.51
16737.75
17156.20
17585.10
18024.73
18475.35
18937.23
19410.66
19895.93
20393.32
20903.16
21425.74
21961.38
22510.41
23073.18

ao, con cuotas uniformes que vencen cada 90 das; e prstamo devenga de un TET del 4% y se desembols
SALDO
10000
7645.100
5196.003
2648.943
0.000

n un plazo de 2 aos, con cuotas uniformes mensuales de 235 la TEM es de 1%.

SALDO
4992.20
4807.12
4620.19
4431.39
4240.70
4048.11
3853.59
3657.13
3458.70
3258.29
3055.87
2851.43
2644.94
2436.39
2225.76
2013.01
1798.14
1581.13
1361.94
1140.56
916.96
691.13
463.04
232.67
0.00

e S/. 10,000 y devenga de una TET de 4%, ser amortizado en el plazo de dos aos
sptima cuota principal?
SALDO
10000.00
8914.72
7786.03
6612.20
5391.40
4121.78
2801.38

1428.15
0.00

quirirse con una inicial de 52,020 y el resto financiado a 2 aos con cuotas
o de 15 meses.
SALDO
422980.00
409904.50
396502.10
382764.65
368683.76
354250.85
339457.12
324293.54
308750.87
292819.64
276490.13
259752.38
242596.18
225011.08
206986.35
188511.01
169573.78
150163.12
130267.19
109873.87
88970.71
67544.97
45583.59
23073.18
0.00

n TET del 4% y se desembolsa el 15 de julio.

P
n
i
A
g

?
24
0.092727
500
5%

CUOTA
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

500.00
525.00
551.25
578.81
607.75
638.14
670.05
703.55
738.73
775.66
814.45
855.17
897.93
942.82
989.97
1,039.46
1,091.44
1,146.01
1,203.31
1,263.48
1,326.65
1,392.98
1,462.63
1,535.76

INTERES

ABONO

SALDO

PERIODO
INVERSION
BENEFICIOS NETOS
PRESTAMO
INTERESES
FLUJO DE CAJA

-1000
200

200

200

-30
170

-30
170

-30
170

200
-300
-30
-130

300
-700
-

PERIODO
INVERSION
BENEFICIOS NETOS
PRESTAMO
INTERESES
FLUJO DE CAJA

332.75
1

-1000
400

400

400

-30
370

-30
370

-30
370

400
-300
-30
70

300
-700

243.59

PERIODO
INVERSION
BENEFICIOS NETOS
PRESTAMO
INTERESES
FLUJO DE CAJA

-634
200

200

200

-30
170

-30
170

-30
170

300
-334
-

0.0

200
-300
-30
-130

VP
A
n
i
g

5000
?
6
1.50%
6%

capital
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42

313.11
319.37
325.76
332.27
338.92
345.70
352.61
359.66
366.86
374.20
381.68
389.31
397.10
405.04
413.14
421.40
429.83
438.43
447.20
456.14
465.26
474.57
484.06
493.74
503.62
513.69
523.96
534.44
545.13
556.03
567.16
578.50
590.07
601.87
613.91
626.19
638.71
651.48
664.51
677.80
691.36
705.19

inters
1300.00
1293.74
1287.35
1280.84
1274.19
1267.41
1260.50
1253.45
1246.25
1238.91
1231.43
1223.80
1216.01
1208.07
1199.97
1191.71
1183.28
1174.68
1165.91
1156.97
1147.85
1138.54
1129.05
1119.37
1109.49
1099.42
1089.15
1078.67
1067.98
1057.08
1045.95
1034.61
1023.04
1011.24
999.20
986.92
974.40
961.63
948.60
935.31
921.75
907.92

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83

719.29
733.68
748.35
763.32
778.58
794.15
810.04
826.24
842.76
859.62
876.81
894.35
912.23
930.48
949.09
968.07
987.43
1007.18
1027.32
1047.87
1068.83
1090.20
1112.01
1134.25
1156.93
1180.07
1203.67
1227.75
1252.30
1277.35
1302.89
1328.95
1355.53
1382.64
1410.30
1438.50
1467.27
1496.62
1526.55
1557.08
1588.22

893.82
879.43
864.76
849.79
834.53
818.96
803.07
786.87
770.35
753.49
736.30
718.76
700.88
682.63
664.02
645.04
625.68
605.93
585.79
565.24
544.28
522.91
501.10
478.86
456.18
433.04
409.44
385.36
360.81
335.76
310.22
284.16
257.58
230.47
202.81
174.61
145.84
116.49
86.56
56.03
24.89

cuota
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11

313.11
319.37
325.76
332.27
338.92
345.70
352.61
359.66
366.86
374.20
381.68
389.31
397.10
405.04
413.14
421.40
429.83
438.43
447.20
456.14
465.26
474.57
484.06
493.74
503.62
513.69
523.96
534.44
545.13
556.03
567.16
578.50
590.07
601.87
613.91
626.19
638.71
651.48
664.51
677.80
691.36
705.19

SALDO
65000
64686.89
64367.52
64041.76
63709.48
63370.56
63024.86
62672.25
62312.59
61945.73
61571.53
61189.85
60800.54
60403.44
59998.40
59585.26
59163.85
58734.02
58295.59
57848.39
57392.25
56926.99
56452.42
55968.35
55474.61
54970.99
54457.30
53933.34
53398.90
52853.76
52297.73
51730.57
51152.07
50562.01
49960.14
49346.23
48720.04
48081.33
47429.85
46765.34
46087.54
45396.18
44690.99

1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11
1613.11

719.29
733.68
748.35
763.32
778.58
794.15
810.04
826.24
842.76
859.62
876.81
894.35
912.23
930.48
949.09
968.07
987.43
1007.18
1027.32
1047.87
1068.83
1090.20
1112.01
1134.25
1156.93
1180.07
1203.67
1227.75
1252.30
1277.35
1302.89
1328.95
1355.53
1382.64
1410.30
1438.50
1467.27
1496.62
1526.55
1557.08
1588.22

43971.70
43238.02
42489.67
41726.36
40947.77
40153.62
39343.58
38517.34
37674.58
36814.96
35938.15
35043.80
34131.57
33201.09
32252.00
31283.93
30296.50
29289.32
28262.00
27214.13
26145.30
25055.10
23943.09
22808.84
21651.91
20471.84
19268.16
18040.42
16788.11
15510.77
14207.87
12878.92
11523.39
10140.75
8730.45
7291.95
5824.68
4328.06
2801.51
1244.43
-343.79