Tema: Capitalizaciones con flujos

Se efectu un depsito de S/. 35000. Cul ser el monto ha recibir?, si la tasa de

inters aplicada es de 3.5% mensual para los 12 meses. Tome en cuenta que al
finalizar el perodo 8 se depositaron S/. 2300.
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin

VP1 =35000

VF1 = ?
VP2 = ?

i=3.5% mes

Datos:

VP
i
n
VF1
Deposito
VP2
n
VF2

Periodo
0
1
2
3
4
5
6
7
8
9
10
11

S/. 35,000.00
3.5%
8
S/. 46,088.32
S/. 2,300.00
S/. 48,388.32
4
S/. 55,526.71

VP
S/. 35,000.00
S/. 35,000.00
S/. 36,225.00
S/. 37,492.88
S/. 38,805.13
S/. 40,163.31
S/. 41,569.02
S/. 43,023.94
S/. 44,529.77
S/. 48,388.32
S/. 50,081.91
S/. 51,834.77

Inters
S/. 1,225.00
S/. 1,267.88
S/. 1,312.25
S/. 1,358.18
S/. 1,405.72
S/. 1,454.92
S/. 1,505.84
S/. 1,558.54
S/. 1,693.59
S/. 1,752.87
S/. 1,814.22

Saldo (VF)
S/. 36,225.00
S/. 37,492.88
S/. 38,805.13
S/. 40,163.31
S/. 41,569.02
S/. 43,023.94
S/. 44,529.77
S/. 48,388.32 Deposito
S/. 50,081.91
S/. 51,834.77
S/. 53,648.99

2300

12

S/. 53,648.99

S/. 1,877.71 S/. 55,526.71

2300

10

11

12

VF2 = ?

Tema: Capitalizaciones con flujos

Una persona recibe un prstamo de S/. 45000. Acuerda devolver el prstamo

mediante un slo pago. Cul ser el monto a devolver por el prstamo?, si la tasa
de inters aplicada es de 2.2% mensual para los primeros 4 meses y de 3.2%
mensual para los 14 meses restantes. No olvide que al finalizar el 4to mes, se
amortiz con S/. 1000.
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin
1000

VP1 =45000

VF1 = ?
VP2 = ?

i=2.2% mes

Datos:

VP
i
n
VF1
Amortizacion
VP2
i2
n
VF2

Periodo
0
1
2
3
4
5
6
7
8

S/. 45,000.00
2.20% Mensual
4 Meses
S/. 49,092.61 S/. 49,092.61
S/. 1,000.00
S/. 48,092.61
3.20%
14
S/. 74,747.05

VP
S/. 45,000.00
S/. 45,000.00
S/. 45,990.00
S/. 47,001.78
S/. 48,035.82
S/. 48,092.61
S/. 49,631.57
S/. 51,219.78
S/. 52,858.81

Inters
0
S/. 990.00
S/. 1,011.78
S/. 1,034.04
S/. 1,056.79
S/. 1,538.96
S/. 1,588.21
S/. 1,639.03
S/. 1,691.48

Saldo (VF)
45000.00
S/. 45,990.00
S/. 47,001.78
S/. 48,035.82
S/. 48,092.61 Amortizacion
S/. 49,631.57
S/. 51,219.78
S/. 52,858.81
S/. 54,550.30

1000

9
10
11
12
13
14
15
16
17
18

S/. 54,550.30
S/. 56,295.91
S/. 58,097.37
S/. 59,956.49
S/. 61,875.10
S/. 63,855.10
S/. 65,898.46
S/. 68,007.22
S/. 70,183.45
S/. 72,429.32

S/. 1,745.61
S/. 1,801.47
S/. 1,859.12
S/. 1,918.61
S/. 1,980.00
S/. 2,043.36
S/. 2,108.75
S/. 2,176.23
S/. 2,245.87
S/. 2,317.74

S/. 56,295.91
S/. 58,097.37
S/. 59,956.49
S/. 61,875.10
S/. 63,855.10
S/. 65,898.46
S/. 68,007.22
S/. 70,183.45
S/. 72,429.32
S/. 74,747.05

10

11

12 ..

VF2 = ?

i=3.2% mes

..18

VF2 = ?

Tema: Capitalizaciones con flujos

Una persona abre una cuenta en la caja de ahorros de Piura con S/. 6800 por un
lapso de 14 meses, la tasa de inters mensual es 1.1%. Al finalizar el 3er mes la
persona adiciona a su cuenta S/.1500, luego de finalizar el 7mo mes vuelve
adicionar S/. 3000, cuanto tiene disponible?
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin
1500

3
VF1 = ?

VP1 =6800

VP2 = ?

Datos:

VP
i
n
VF1
Deposito
VP2
n
VF2
Deposito
VP3
n
i

VF3

Periodo
0
1
2

S/. 6,800.00
1.10% mensual
3 meses
S/. 7,026.88
S/. 1,500.00
S/. 8,526.88
4
S/. 8,908.30
S/. 3,000.00
11908.30
7
1.10%
S/. 12,856.05

VP
S/. 6,800.00
S/. 6,800.00
S/. 6,874.80

S/. 7,026.88

Inters

Saldo (VF)
S/. 74.80
S/. 75.62

S/. 6,874.80
S/. 6,950.42

3
4
5
6
7
8
9
10
11
12
13
14

S/. 6,950.42
S/. 8,526.88
S/. 8,620.67
S/. 8,715.50
S/. 8,811.37
S/. 11,908.30
S/. 12,039.29
S/. 12,171.72
S/. 12,305.61
S/. 12,440.97
S/. 12,577.82
S/. 12,716.18

S/. 76.45
S/. 93.80
S/. 94.83
S/. 95.87
S/. 96.93
S/. 130.99
S/. 132.43
S/. 133.89
S/. 135.36
S/. 136.85
S/. 138.36
S/. 139.88

S/. 8,526.88 Deposito

S/. 8,620.67
S/. 8,715.50
S/. 8,811.37
S/. 11,908.30 Deposito
S/. 12,039.29
S/. 12,171.72
S/. 12,305.61
S/. 12,440.97
S/. 12,577.82
S/. 12,716.18
S/. 12,856.05

or un
es la
ve

3000

VF2 = ?
VP3= ?

i=1.10% mes

10

11

1500 Deposito 3Mes

3000

12

13

14
VF3 = ?

Tema: Capitalizaciones con flujos

Una persona ahorra S/. 15000, por un lapso de 20 meses, con una tasa de inters
mensual de 4% para los primeros 6 meses y 3.5% para los meses restantes. Al
finalizar el 6to mes adiciona a su cuenta S/. 5000. Al finalizar el 14avo mes la
persona adiciona por segunda vez S/.2500. cual es el saldo de la cuenta?
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin
5000

VP1 =15000

VP3 = ?

Datos:

S/. 15,000.00
4%
6
S/. 23,979.79

VP2
i
n
VF2

S/. 23,979.79
3.50%
8
S/. 34,076.80

VP3
i
n
VF3

S/. 34,076.80
3.50%
6
S/. 41,889.09

Periodo
0
1
2
3

VP
S/. 15,000.00
S/. 15,000.00
S/. 15,600.00
S/. 16,224.00

Inters
S/. 600.00
S/. 624.00
S/. 648.96

5
VF2 = ?

VF1 = ?
VP2 = ?

VP1
i
n
VF1

Saldo (VF)
S/. 15,600.00
S/. 16,224.00
S/. 16,872.96

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

S/. 16,872.96
S/. 17,547.88
S/. 18,249.79
S/. 23,979.79
S/. 24,819.08
S/. 25,687.75
S/. 26,586.82
S/. 27,517.36
S/. 28,480.46
S/. 29,477.28
S/. 30,508.98
S/. 34,076.80
S/. 35,269.49
S/. 36,503.92
S/. 37,781.56
S/. 39,103.91
S/. 40,472.55

S/. 674.92
S/. 701.92
S/. 729.99
S/. 839.29
S/. 868.67
S/. 899.07
S/. 930.54
S/. 963.11
S/. 996.82
S/. 1,031.70
S/. 1,067.81
S/. 1,192.69
S/. 1,234.43
S/. 1,277.64
S/. 1,322.35
S/. 1,368.64
S/. 1,416.54

S/. 17,547.88
S/. 18,249.79
S/. 23,979.79 Deposito
S/. 24,819.08
S/. 25,687.75
S/. 26,586.82
S/. 27,517.36
S/. 28,480.46
S/. 29,477.28
S/. 30,508.98
S/. 34,076.80 Deposito
S/. 35,269.49
S/. 36,503.92
S/. 37,781.56
S/. 39,103.91
S/. 40,472.55
S/. 41,889.09

5000

2500

5000

i=4% mes

10

11

12

i=3.5% mes

13

2500

14

15

16

17

18

19

20

VF3 = ?

Tema: Valor Presente

A cuanto asciende el valor de un prstamo, que posee una tasa de inters del
3.7% mensual, El prstamo fue cancelado al finalizar el 4to mes, siendo el valor
futuro de dicho prstamo S/. 8000.
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin

VP1 =?

VF2 =8000

i=3.7% mes

Datos:

VF
n
i
VP

Periodo
0
1
2
3
4

S/. 8,000.00
4
3.70%
S/. 6,917.91

VP
S/. 6,917.91
S/. 6,917.91
S/. 7,173.87
S/. 7,439.31
S/. 7,714.56

S/. 6,917.91

Inters

Saldo (VF)

S/. 255.96
S/. 265.43
S/. 275.25
S/. 285.44

S/. 7,173.87
S/. 7,439.31
S/. 7,714.56
S/. 8,000.00

Tema: Valor Presente

Cul es el valor de un prstamo?, si se cancel al finalizar el 6to mes. El monto

fue de 9800 y la tasa de inters aplicada 4% mensual.
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin

VP1 =?

Datos:

Periodo
0
1
2
3
4
5
6

S/. 9,800.00
6
4%
S/. 7,745.08

VP
S/. 7,745.08
S/. 7,745.08
S/. 8,054.89
S/. 8,377.08
S/. 8,712.16
S/. 9,060.65
S/. 9,423.08

VF2 = 9800

i=4% mes

VF
n
i
VP

Inters

Saldo (VF)

S/. 309.80
S/. 322.20
S/. 335.08
S/. 348.49
S/. 362.43
S/. 376.92

S/. 8,054.89
S/. 8,377.08
S/. 8,712.16
S/. 9,060.65
S/. 9,423.08
S/. 9,800.00

Tema: Valor Presente

Cul es el valor de un prstamo?, si se cancel al finalizar el 3er mes. El monto

fue de 9800 y la tasa de inters aplicada 2.99% mensual.
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin

VP1 =?

VF2 =9800

i=2.99% mes

Datos:
VF
n
i
VP

Periodo
0
1
2
3

S/. 9,800.00
3
2.99%
S/. 8,971.00

VP
S/. 8,971.00
S/. 8,971.00
S/. 9,239.23
S/. 9,515.49

Inters

Saldo (VF)

S/. 268.23
S/. 276.25
S/. 284.51

S/. 9,239.23
S/. 9,515.49
S/. 9,800.00

Tema: Valor Presente

Despus de 10 meses una persona devuelve a un prestamista la cantidad de

S/.23800, si la tasa de inters aplicada 15% mensual Cunto se prest?
Estructura para resolver un problema:
a) Diagrama de Tiempo - Valor
b) Listado perodo a perodo.
c) Utilizando la frmula de Capitalizacin y/o Actualizacin

VP1 =?

i=15% mes

Datos:
VF
n
i
VP

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

S/. 23,800.00
10
15%
S/. 5,883.00

VP
S/. 5,883.00
S/. 5,883.00
S/. 6,765.45
S/. 7,780.26
S/. 8,947.30
S/. 10,289.40
S/. 11,832.81
S/. 13,607.73
S/. 15,648.89
S/. 17,996.22
S/. 20,695.65

Inters

Saldo (VF)

S/. 882.45
S/. 1,014.82
S/. 1,167.04
S/. 1,342.10
S/. 1,543.41
S/. 1,774.92
S/. 2,041.16
S/. 2,347.33
S/. 2,699.43
S/. 3,104.35

S/. 6,765.45
S/. 7,780.26
S/. 8,947.30
S/. 10,289.40
S/. 11,832.81
S/. 13,607.73
S/. 15,648.89
S/. 17,996.22
S/. 20,695.65
S/. 23,800.00

10

VF2 =23800