Documentos de Académico
Documentos de Profesional
Documentos de Cultura
CASO:
MODELO DE BUS
MODELO 1
N DE BUSES A
COMPRAR
720,000.00
20%
APORTE DE CUOTA
INICIAL US$
144,000.00
MONTO A FINANCIAR
US$
576,000.00
TEA
9%
% OPCIN DE
COMPRA
2%
MONTO OPCIN DE
COMPRA US$
11,520.00
IGV
N AOS
FINANCIAMIENTO
FORMA DE PAGO
N DE CUOTAS
MENSUALES
TEM
18%
4
MENSUAL
48
0.72%
13,935.75
VALOR DE CUOTA
CON IGV
16,444.18
VALOR US$
360,000.00
345,000.00
MODELO 3
MODELO 4
330,000.00
310,000.00
MODELO 5
295,000.00
OPERACIN DE LEASING
{
SOLUCIN
48,429.73
CAPITAL
TEA
PERIODOS
500,000.00
8%
15
CUOTA N
AO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
CVxTEA
A-CI
ANUALIDA
CUOTA
CUOTA
D
INTERESES AMORTIZACIN
52,304.11
52,304.11
52,304.11
35,815.67
16,488.44
52,304.11
34,496.60
17,807.51
52,304.11
33,072.00
19,232.11
52,304.11
31,533.43
20,770.68
52,304.11
29,871.77
22,432.34
52,304.11
28,077.19
24,226.92
52,304.11
26,139.03
26,165.08
52,304.11
24,045.83
28,258.28
52,304.11
21,785.16
30,518.94
52,304.11
19,343.65
32,960.46
52,304.11
16,706.81
35,597.30
52,304.11
13,859.03
38,445.08
52,304.11
10,783.42
41,520.69
52,304.11
7,461.77
44,842.34
CV-CA
CAA+CA
CAPITAL
CAPITAL
VIVO
AMORTIZADO
447,695.89
52,304.11
431,207.46
68,792.54
413,399.95
86,600.05
394,167.83
105,832.17
373,397.15
126,602.85
350,964.82
149,035.18
326,737.90
173,262.10
300,572.82
199,427.18
272,314.54
227,685.46
241,795.59
258,204.41
208,835.13
291,164.87
173,237.84
326,762.16
134,792.76
365,207.24
93,272.07
406,727.93
48,429.73
451,570.27
16
15
52,304.11
3,874.38
48,429.73
0.00
500,000.00
0.18xA
IGV+A
18% IGV
PAGO
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
9,414.74
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
61,718.85
9,414.74
61,718.85
SOLUCIN
Co
n
TEA
VR
13,940.63
100,000.00
10
8%
a en t=n
13,940.63 +Co/VA(i,n,-1,-1)
13,940.63
ANUALIDA
INTERESES AMORTIZACIN
D
AO
0
1
2
3
4
5
6
7
8
9
10
13,940.63
13,940.63
13,940.63
13,940.63
13,940.63
13,940.63
13,940.63
13,940.63
13,940.63
27,881.27
8,000.00
7,524.75
7,011.48
6,457.15
5,858.47
5,211.89
4,513.59
3,759.43
2,944.94
2,065.28
5,940.63
6,415.88
6,929.16
7,483.49
8,082.17
8,728.74
9,427.04
10,181.20
10,995.70
25,815.99
CAPITAL
CAPITAL
VIVO
AMORTIZABLE
100,000.00
94,059.37
5,940.63
87,643.48
12,356.52
80,714.33
19,285.67
73,230.84
26,769.16
65,148.67
34,851.33
56,419.93
43,580.07
46,992.89
53,007.11
36,811.69
63,188.31
25,815.99
74,184.01
0.00
100,000.00