PROBLEMA N1.

Solicitamos un prestamo de $10000 a cancelaar en 6 cuotas de acuerdo con los dato

TNVA: 12% PLAZO 6 MESES calcular el cronograma de pagos.

PRESTAMO
TNAV
TEA
TEM
Nper

10000
12%
12.68%
1.00%
6

plazo
0
1
2
3
4
5
6

saldo
10000
S/. 8,374.52
S/. 6,732.78
S/. 5,074.62
S/. 3,399.88
S/. 1,708.40
S/. 0.00

PROBLEMA N2. obtenemos un prestamo de $ 8000 a cancelar con taza variable en tres aos con cuo
a la TNAV = 18%
PRESTAMO
8000
plazo
saldo capital amort
TNAV
15%
0
8000
TEA
16.08%
1 S/. 7,793.50
S/. 206.50
TEM
0.41%
2 S/. 7,586.15
S/. 207.35
Nper
36
3 S/. 7,377.93
S/. 208.21
4 S/. 7,168.85
S/. 209.08
5 S/. 6,958.91
S/. 209.95
6 S/. 6,748.09
S/. 210.82
7 S/. 6,536.40
S/. 211.69
8 S/. 6,323.83
S/. 212.57
9 S/. 6,110.38
S/. 213.45
10 S/. 5,896.04
S/. 214.34
11 S/. 5,680.81
S/. 215.23
12 S/. 5,464.69
S/. 216.12
13 S/. 5,247.67
S/. 217.02
14 S/. 5,029.75
S/. 217.92
15 S/. 4,810.93
S/. 218.82
16 S/. 4,591.20
S/. 219.73
17 S/. 4,370.56
S/. 220.64
18 S/. 4,149.00
S/. 221.56
19 S/. 3,926.52
S/. 222.48
20 S/. 3,703.12
S/. 223.40
21 S/. 3,478.80
S/. 224.33
22 S/. 3,253.54
S/. 225.26
23 S/. 3,027.35
S/. 226.19
24 S/. 2,800.22
S/. 227.13
25 S/. 2,572.14
S/. 228.07
26 S/. 2,343.12
S/. 229.02

27
28
29
30
31
32
33
34
35
36

S/. 2,113.15
S/. 1,882.23
S/. 1,650.34
S/. 1,417.50
S/. 1,183.69
S/. 948.91
S/. 713.15
S/. 476.42
S/. 238.70
S/. -0.00

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

229.97
230.92
231.88
232.84
233.81
234.78
235.76
236.73
237.72
238.70

EJERCICIO N 3. Obtenemos un prstamo $ 4.500 a devolver con tasa variable en 3 aos, con cuotas m

PRESTAMO
TNAV
TEA
TEM
Nper

4500
18%
20%
0.5%
36

plazo
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

saldo capital amort

4500
S/. 4,385.55
S/.
S/. 4,270.53
S/.
S/. 4,154.94
S/.
S/. 4,038.77
S/.
S/. 3,922.03
S/.
S/. 3,804.70
S/.
S/. 3,686.80
S/.
S/. 3,568.30
S/.
S/. 3,449.21
S/.
S/. 3,329.54
S/.
S/. 3,209.26
S/.
S/. 3,088.39
S/.
S/. 2,966.92
S/.
S/. 2,844.84
S/.
S/. 2,722.16
S/.
S/. 2,598.86
S/.
S/. 2,474.96
S/.
S/. 2,350.43
S/.
S/. 2,225.29
S/.
S/. 2,099.52
S/.
S/. 1,973.13
S/.
S/. 1,846.11
S/.
S/. 1,718.45
S/.
S/. 1,590.16
S/.
S/. 1,461.24
S/.
S/. 1,331.67
S/.

114.45
115.02
115.59
116.17
116.74
117.33
117.91
118.50
119.09
119.68
120.27
120.87
121.47
122.08
122.68
123.29
123.91
124.52
125.14
125.77
126.39
127.02
127.65
128.29
128.93
129.57

27 S/. 1,201.46
28 S/. 1,070.60
29
S/. 939.09
30
S/. 806.92
31
S/. 674.10
32
S/. 540.61
33
S/. 406.46
34
S/. 271.65
35
S/. 136.16
36
S/. 0.00

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

130.21
130.86
131.51
132.17
132.82
133.48
134.15
134.82
135.49
136.16

EJERCICIO N 4. Un prstamo de $ 4.611,10 se cancela en 10 pagos al 1,5% mensual.

PRESTAMO
TEM
Nper

4611.10
1.50%
10

plazo
0
1
2
3
4
5
6
7
8
9
10

saldo capital amort

4611.1
S/. 4,180.27
S/.
S/. 3,742.97
S/.
S/. 3,299.11
S/.
S/. 2,848.60
S/.
S/. 2,391.33
S/.
S/. 1,927.20
S/.
S/. 1,456.10
S/.
S/. 977.94
S/.
S/. 492.61
S/.
S/. 0.00
S/.

430.83
437.30
443.86
450.51
457.27
464.13
471.09
478.16
485.33
492.61

otas de acuerdo con los datos del cuadro

ALUMNO: Atilano Vasquez A

amortizacio

interes

S/.
S/.
S/.
S/.
S/.
S/.

S/. 100.00
S/. 83.75
S/. 67.33
S/. 50.75
S/. 34.00
S/. 17.08

1,625.48
1,641.74
1,658.16
1,674.74
1,691.48
1,708.40

cuota
S/.
S/.
S/.
S/.
S/.
S/.

1,725.48
1,725.48
1,725.48
1,725.48
1,725.48
1,725.48

variable en tres aos con cuotas mensuales

interes
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

cuota
33.20
32.34
31.48
30.61
29.75
28.88
28.00
27.12
26.24
25.35
24.47
23.57
22.68
21.77
20.87
19.96
19.05
18.14
17.22
16.29
15.37
14.44
13.50
12.56
11.62
10.67

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

9.72
8.77
7.81
6.85
5.88
4.91
3.94
2.96
1.98
0.99

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69
239.69

iable en 3 aos, con cuotas mensuales a la TNAV = 18%.

interes
S/. 22.39
S/. 21.82
S/. 21.25
S/. 20.67
S/. 20.09
S/. 19.51
S/. 18.93
S/. 18.34
S/. 17.75
S/. 17.16
S/. 16.57
S/. 15.97
S/. 15.37
S/. 14.76
S/. 14.15
S/. 13.54
S/. 12.93
S/. 12.31
S/. 11.69
S/. 11.07
S/. 10.45
S/. 9.82
S/. 9.18
S/. 8.55
S/. 7.91
S/. 7.27

cuota
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

6.63
5.98
5.33
4.67
4.01
3.35
2.69
2.02
1.35
0.68

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84
136.84

5% mensual.
interes
S/. 69.17
S/. 62.70
S/. 56.14
S/. 49.49
S/. 42.73
S/. 35.87
S/. 28.91
S/. 21.84
S/. 14.67
S/. 7.39

cuota
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00
500.00

Atilano Vasquez Aguilar