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Primea parte: Planes de pago
1.
Solucin:
TEM = (1+0.16)1/12 1 = 0.012445
Saldo
$28,000.00
$24,649.63
$21,257.55
$17,823.27
$14,346.24
$10,825.94
$ 7,261.84
$ 3,653.37
$
TOTAL
Amortizacion
Interes
Cuota
$ 3,350.37
$ 3,392.07
$ 3,434.29
$ 3,477.03
$ 3,520.30
$ 3,564.11
$ 3,608.46
$ 3,653.37
$ 28,000.00
$ 348.46
$ 306.77
$ 264.55
$ 221.81
$ 178.54
$ 134.73
$ 90.37
$ 45.47
$ 1,590.71
$ 3,698.84
$ 3,698.84
$ 3,698.84
$ 3,698.84
$ 3,698.84
$ 3,698.84
$ 3,698.84
$ 3,698.84
$29,590.71
Periodo
0
1
2
3
4
5
6
7
8
9
10
Saldo
$ 200,000.00
$ 180,000.00
$ 160,000.00
$ 140,000.00
$ 120,000.00
$ 100,000.00
$ 80,000.00
$ 60,000.00
$ 40,000.00
$ 20,000.00
$
TOTAL
Amortizacion
Interes
Cuota
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 20,000.00
$ 200,000.00
$ 11,660.10
$ 10,494.09
$ 9,328.08
$ 8,162.07
$ 6,996.06
$ 5,830.05
$ 4,664.04
$ 3,498.03
$ 2,332.02
$ 1,166.01
$ 64,130.58
$ 31,660.10
$ 30,494.09
$ 29,328.08
$ 28,162.07
$ 26,996.06
$ 25,830.05
$ 24,664.04
$ 23,498.03
$ 22,332.02
$ 21,166.01
$264,130.58
Mtodo Americano
Periodo
0
1
2
3
4
5
6
7
8
9
10
3.
Saldo
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$ 200,000.00
$
TOTAL
Amortizacion
Interes
Cuota
$
$
$
$
$
$
$
$
$
$ 200,000.00
$ 200,000.00
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 116,601.05
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$ 11,660.10
$211,660.10
$316,601.05
Solucin:
TEM = (1+0.1199)1/3 -1= 0.038467912
Perodo Amortizacin
0
1
2609.417814
2
2709.796668
3
2814.036887
4
2922.28701
5
3034.701289
6
3151.43991
7
3272.669222
8
3398.561973
9
3529.297555
10
3665.062262
11
3806.049554
12
3952.460332
13
4104.503228
14
4262.394895
15
4426.360326
16
4596.633165
17
4773.456043
18
4957.080929
19
5147.769481
20
5345.793423
21
5551.434933
Inters
3846.791175
3746.412321
3642.172102
3533.921979
3421.5077
3304.769079
3183.539767
3057.647016
2926.911434
2791.146727
2650.159435
2503.748657
2351.705761
2193.814094
2029.848663
1859.575824
1682.752946
1499.12806
1308.439508
1110.415566
904.7740563
Cuota
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
6456.208989
Saldo de capital
100000
97390.58219
94680.78552
91866.74863
88944.46162
85909.76033
82758.32042
79485.6512
76087.08923
72557.79167
68892.72941
65086.67985
61134.21952
57029.71629
52767.3214
48340.96107
43744.32791
38970.87187
34013.79094
28866.02146
23520.22803
17968.7931
22
23
24
5764.987042
5986.754055
6217.051981
691.2219472
469.4549344
239.1570078
6456.208989
6456.208989
6456.208989
12203.80606
6217.052003
2.16775E-05
Calculando el valor final de todas las cuotas que el colegio le cobrara durante los 12 aos,
siendo:
Ahora bien, calcularemos el monto que Luis debe depositar cada mes desde que su hija
naci hasta que termine el colegio para obtener un monto final de 195,344.17:
Calculando R:
6.
Solucin:
7. Solucin:
TEM = 0.5 %
TEA = (1+0.005)360/30 -1 = 0.0616778
R = 1000
n =10
Valor futuro de los 8,500:
S = P (1+i)n
S = 8,500 (1+0.0616778)10 = 15,464.87
Ingreso (I)
Egreso (E)
S=I-E
3000000
-3000000
245000
95000
150000
245000(1+1%) = 247450
147450
247450(1+1%) = 249924.50
144924.50
249924.50(1+1%) = 252423.75
142423.75
252423.75(1+1%) = 254947.98
139947.98
254947.98(1+1%) = 257497.46
137497.46
257497.46(1+1%) = 260072.44
135072.44
No se acepta el proyecto.
9.
Solucin:
10.
Solucin:
rentabilidad
0,1
Inversin
1
2
3
4
5
-200000
35000
40000
50000
84500
85000
VAN
31818,18182
33057,85124
37565,74005
57714,63698
52778,31246
VAN
12,934.72254
Si es conveniente ampliar la empresa
El VAN es positivo