AO DEL BUEN SERVICIO AL CIUDADANO

UNIVERSIDAD NACIONAL DE PIURA

Escuela Post Grado Contabilidad y Finanzas

MENCION AUDITORIA Y CONTROL

DOCENTE Mg. Percy CABRERA ANTN

CURSO HERRAMIENTAS DE INFORMTICA APLICADA A LAS FINANZAS

INTEGRANTES SARANGO RAMOS SHIRLEY MARICELLA

CHIROQUE MACO OSCAR ALEXANDER
LA EMPRESA RAMSAVEL ES UNA EMPRESA FAMILIAR DEDICADA AL SERVICIO DE TRANPORTE DE CARGA, CON 10
AOS EN EL MERCADO REGIONAL Y AHORA NECEISTA AMPLIAR SU SERVICIO DE TRANPORTE DE CARGA AL
TRANSPORTE DE PERSONAL PARA LA DIFERENTES EMPRESAS AGRICOLAS DE LA ZONA.
POR LO TANTO SE NECESITA LA ADQUISICION DE OMNIBUS NUEVOS Y SEMINUEVOS PARA CUMPLIR CON DICHO
OBJETIVO, REQUERIENDO FINANCIAMIENTO PARA CAPITAL DE TRABAJO

PARA NUESTRO CASO LA EMPRESA ESTA SOLICITANDO UN CREDITO HIPOTECARIO DE S/. 210,000.00 A UNA ENTIDAD
FINANCIERA EN UN PLAZO MAXIMO DE 04 AOS

METODO FRANCES
CRONOGRAMA DE PAGOS ANUALES Y MENSUALES
Tasa nomin 12.50%
t 48 meses
t 4 aos
VA 210,000.00
mensual 0.9864%

Saldo Inicial Amortiza (pago- Saldo final (Sinicial-

Aos (interes) Interes interes) Pago amortizacion)
0 210000
1 210000 26,250.00 S/. 43,618.66 S/. 69,868.66 S/. 166,381.34

2 S/. 166,381.34 20,797.67 S/. 49,070.99 S/. 69,868.66 S/. 117,310.34

3 S/. 117,310.34 14,663.79 S/. 55,204.87 S/. 69,868.66 S/. 62,105.48

4 S/. 62,105.48 7,763.18 S/. 62,105.48 S/. 69,868.66 S/. 0.00

69,474.65 210,000.00 279,474.65

Saldo Inicial Amortiza (pago- Saldo final (Sinicial-

Aos (interes) Interes interes) Pago amortizacion)
0 210000
1 210000 2,071.35 S/. 3,441.89 S/. 5,513.24 S/. 206,558.11
2 S/. 206,558.11 2,037.40 S/. 3,475.84 S/. 5,513.24 S/. 203,082.27
3 S/. 203,082.27 2,003.12 S/. 3,510.12 S/. 5,513.24 S/. 199,572.15
4 S/. 199,572.15 1,968.50 S/. 3,544.75 S/. 5,513.24 S/. 196,027.40
5 S/. 196,027.40 1,933.53 S/. 3,579.71 S/. 5,513.24 S/. 192,447.69
6 S/. 192,447.69 1,898.22 S/. 3,615.02 S/. 5,513.24 S/. 188,832.68
 7 S/. 188,832.68 1,862.57 S/. 3,650.68 S/. 5,513.24 S/. 185,182.00
8 S/. 185,182.00 1,826.56 S/. 3,686.68 S/. 5,513.24 S/. 181,495.32
9 S/. 181,495.32 1,790.19 S/. 3,723.05 S/. 5,513.24 S/. 177,772.27
10 S/. 177,772.27 1,753.47 S/. 3,759.77 S/. 5,513.24 S/. 174,012.50
11 S/. 174,012.50 1,716.39 S/. 3,796.86 S/. 5,513.24 S/. 170,215.64
12 S/. 170,215.64 1,678.94 S/. 3,834.31 S/. 5,513.24 S/. 166,381.34
13 S/. 166,381.34 1,641.12 S/. 3,872.13 S/. 5,513.24 S/. 162,509.21
14 S/. 162,509.21 1,602.92 S/. 3,910.32 S/. 5,513.24 S/. 158,598.89
15 S/. 158,598.89 1,564.35 S/. 3,948.89 S/. 5,513.24 S/. 154,650.01
16 S/. 154,650.01 1,525.40 S/. 3,987.84 S/. 5,513.24 S/. 150,662.17
17 S/. 150,662.17 1,486.07 S/. 4,027.17 S/. 5,513.24 S/. 146,634.99
18 S/. 146,634.99 1,446.35 S/. 4,066.90 S/. 5,513.24 S/. 142,568.10
19 S/. 142,568.10 1,406.23 S/. 4,107.01 S/. 5,513.24 S/. 138,461.09
20 S/. 138,461.09 1,365.72 S/. 4,147.52 S/. 5,513.24 S/. 134,313.57
21 S/. 134,313.57 1,324.81 S/. 4,188.43 S/. 5,513.24 S/. 130,125.14
22 S/. 130,125.14 1,283.50 S/. 4,229.74 S/. 5,513.24 S/. 125,895.40
23 S/. 125,895.40 1,241.78 S/. 4,271.46 S/. 5,513.24 S/. 121,623.94
24 S/. 121,623.94 1,199.65 S/. 4,313.59 S/. 5,513.24 S/. 117,310.34
25 S/. 117,310.34 1,157.10 S/. 4,356.14 S/. 5,513.24 S/. 112,954.20
26 S/. 112,954.20 1,114.13 S/. 4,399.11 S/. 5,513.24 S/. 108,555.10
27 S/. 108,555.10 1,070.74 S/. 4,442.50 S/. 5,513.24 S/. 104,112.60
28 S/. 104,112.60 1,026.92 S/. 4,486.32 S/. 5,513.24 S/. 99,626.28
29 S/. 99,626.28 982.67 S/. 4,530.57 S/. 5,513.24 S/. 95,095.71
30 S/. 95,095.71 937.98 S/. 4,575.26 S/. 5,513.24 S/. 90,520.45
31 S/. 90,520.45 892.86 S/. 4,620.39 S/. 5,513.24 S/. 85,900.06
32 S/. 85,900.06 847.28 S/. 4,665.96 S/. 5,513.24 S/. 81,234.11
33 S/. 81,234.11 801.26 S/. 4,711.98 S/. 5,513.24 S/. 76,522.12
34 S/. 76,522.12 754.78 S/. 4,758.46 S/. 5,513.24 S/. 71,763.66
35 S/. 71,763.66 707.85 S/. 4,805.39 S/. 5,513.24 S/. 66,958.27
36 S/. 66,958.27 660.45 S/. 4,852.79 S/. 5,513.24 S/. 62,105.48
37 S/. 62,105.48 612.58 S/. 4,900.66 S/. 5,513.24 S/. 57,204.82
38 S/. 57,204.82 564.24 S/. 4,949.00 S/. 5,513.24 S/. 52,255.82
39 S/. 52,255.82 515.43 S/. 4,997.81 S/. 5,513.24 S/. 47,258.01
40 S/. 47,258.01 466.13 S/. 5,047.11 S/. 5,513.24 S/. 42,210.90
41 S/. 42,210.90 416.35 S/. 5,096.89 S/. 5,513.24 S/. 37,114.01
42 S/. 37,114.01 366.08 S/. 5,147.16 S/. 5,513.24 S/. 31,966.85
43 S/. 31,966.85 315.31 S/. 5,197.93 S/. 5,513.24 S/. 26,768.91
44 S/. 26,768.91 264.04 S/. 5,249.20 S/. 5,513.24 S/. 21,519.71
45 S/. 21,519.71 212.26 S/. 5,300.98 S/. 5,513.24 S/. 16,218.73
46 S/. 16,218.73 159.97 S/. 5,353.27 S/. 5,513.24 S/. 10,865.46
47 S/. 10,865.46 107.17 S/. 5,406.07 S/. 5,513.24 S/. 5,459.39
48 S/. 5,459.39 53.85 S/. 5,459.39 S/. 5,513.24 S/. 0.00

c)Hallar el VAN Y TIR si la empresa planea obtener los siguientes ingresos anuales
Ao Flujo de Caja tasa de descuento 12.50%
0 -210000.00 Dos opciones:
1 60,000.00 1) Si los flujos trados al ao 0 y restado con el capital inicial pue de dar un valor
2 150,000.00 2) utilizar la funcin VAN
3 80,000.00
4 100,000.00 VNA S/. 80,467.92

TIR

29.01% TIR

0.00% VAN

Tasa de
incremento 0.50%

Tasa de
Dcto. VAN VALOR ACTUAL N
0% S/. 180,000.00 200000
0.500% S/. 175,049.32
1.000% S/. 170,195.59 150000
1.500% S/. 165,436.35
2.000% S/. 160,769.18 100000
2.500% S/. 156,191.76
3.000% S/. 151,701.85 50000
3.500% S/. 147,297.26
4.000% S/. 142,975.87 0
4.500% S/. 138,735.62 0% 4% 7% 11% 14% 18% 21% 25% 28% 32% 35% 39% 42% 46% 49% 53% 56% 60% 63% 67% 70% 74%
5.000% S/. 134,574.53 -50000
5.500% S/. 130,490.67
6.000% S/. 126,482.15 -100000
6.500% S/. 122,547.16
7.000% S/. 118,683.93 -150000 van proyecta d
7.500% S/. 114,890.74
8.000% S/. 111,165.94
8.500% S/. 107,507.91
Podemos ver en el grfico del VAN que al aumentar la tasa d
9.000% S/. 103,915.07 que en general, comenzamos en la parte positiva, y terminam
9.500% S/. 100,385.90
10.000% S/. 96,918.93
10.500% S/. 93,512.70
11.000% S/. 90,165.83
11.500% S/. 86,876.95
12.000% S/. 83,644.74
12.500% S/. 80,467.92
13.000% S/. 77,345.23
13.500% S/. 74,275.47
14.000% S/. 71,257.46
14.500% S/. 68,290.03
15.000% S/. 65,372.09
15.500% S/. 62,502.53
16.000% S/. 59,680.30
16.500% S/. 56,904.37
17.000% S/. 54,173.73
17.500% S/. 51,487.42
18.000% S/. 48,844.48
18.500% S/. 46,243.98
19.000% S/. 43,685.03
19.500% S/. 41,166.75
20.000% S/. 38,688.27
20.500% S/. 36,248.78
21.000% S/. 33,847.45
21.500% S/. 31,483.50
22.000% S/. 29,156.15
22.500% S/. 26,864.65
23.000% S/. 24,608.28
23.500% S/. 22,386.32
24.000% S/. 20,198.07
24.500% S/. 18,042.85
25.000% S/. 15,920.00
25.500% S/. 13,828.88
26.000% S/. 11,768.85
26.500% S/. 9,739.30
27.000% S/. 7,739.63
27.500% S/. 5,769.26
28.000% S/. 3,827.61
28.500% S/. 1,914.13
29.000% S/. 28.27
29.500% S/. -1,830.49
30.000% S/. -3,662.69
30.500% S/. -5,468.81
31.000% S/. -7,249.36
31.500% S/. -9,004.83
32.000% S/. -10,735.67
32.500% S/. -12,442.36
33.000% S/. -14,125.34
33.500% S/. -15,785.05
34.000% S/. -17,421.93
34.500% S/. -19,036.39
35.000% S/. -20,628.84
35.500% S/. -22,199.68
36.000% S/. -23,749.31
36.500% S/. -25,278.11
37.000% S/. -26,786.45
37.500% S/. -28,274.71
38.000% S/. -29,743.23
38.500% S/. -31,192.37
39.000% S/. -32,622.48
39.500% S/. -34,033.88
40.000% S/. -35,426.91
40.500% S/. -36,801.88
41.000% S/. -38,159.11
41.500% S/. -39,498.91
42.000% S/. -40,821.58
42.500% S/. -42,127.41
43.000% S/. -43,416.69
43.500% S/. -44,689.71
44.000% S/. -45,946.73
44.500% S/. -47,188.03
45.000% S/. -48,413.87
45.500% S/. -49,624.51
46.000% S/. -50,820.21
46.500% S/. -52,001.21
47.000% S/. -53,167.76
47.500% S/. -54,320.10
48.000% S/. -55,458.45
48.500% S/. -56,583.05
49.000% S/. -57,694.12
49.500% S/. -58,791.88
50.000% S/. -59,876.54
50.500% S/. -60,948.33
51.000% S/. -62,007.43
51.500% S/. -63,054.06
52.000% S/. -64,088.41
52.500% S/. -65,110.69
53.000% S/. -66,121.07
53.500% S/. -67,119.74
54.000% S/. -68,106.90
54.500% S/. -69,082.71
55.000% S/. -70,047.36
55.500% S/. -71,001.02
56.000% S/. -71,943.85
56.500% S/. -72,876.03
57.000% S/. -73,797.72
57.500% S/. -74,709.07
58.000% S/. -75,610.24
58.500% S/. -76,501.39
59.000% S/. -77,382.67
59.500% S/. -78,254.23
60.000% S/. -79,116.21
60.500% S/. -79,968.76
61.000% S/. -80,812.01
61.500% S/. -81,646.10
62.000% S/. -82,471.17
62.500% S/. -83,287.35
63.000% S/. -84,094.77
63.500% S/. -84,893.56
64.000% S/. -85,683.84
64.500% S/. -86,465.74
65.000% S/. -87,239.38
65.500% S/. -88,004.87
66.000% S/. -88,762.34
66.500% S/. -89,511.89
67.000% S/. -90,253.64
67.500% S/. -90,987.70
68.000% S/. -91,714.18
68.500% S/. -92,433.19
69.000% S/. -93,144.83
69.500% S/. -93,849.20
70.000% S/. -94,546.40
70.500% S/. -95,236.54
71.000% S/. -95,919.71
71.500% S/. -96,596.00
72.000% S/. -97,265.52
72.500% S/. -97,928.35
73.000% S/. -98,584.59
73.500% S/. -99,234.32
74.000% S/. -99,877.63
74.500% S/. -100,514.62
75.000% S/. -101,145.36
75.500% S/. -101,769.93
76.000% S/. -102,388.43
76.500% S/. -103,000.93
77.000% S/. -103,607.50
77.500% S/. -104,208.24
78.000% S/. -104,803.22
78.500% S/. -105,392.50
79.000% S/. -105,976.17
 79.500% S/. -106,554.30
80.000% S/. -107,126.96
80.500% S/. -107,694.23
81.000% S/. -108,256.16
81.500% S/. -108,812.84
82.000% S/. -109,364.32
82.500% S/. -109,910.67
83.000% S/. -110,451.97
83.500% S/. -110,988.27
84.000% S/. -111,519.64
84.500% S/. -112,046.13
85.000% S/. -112,567.82
85.500% S/. -113,084.75
86.000% S/. -113,597.00
86.500% S/. -114,104.61
87.000% S/. -114,607.65
87.500% S/. -115,106.17
88.000% S/. -115,600.23
88.500% S/. -116,089.89
89.000% S/. -116,575.19
89.500% S/. -117,056.19
90.000% S/. -117,532.94
90.500% S/. -118,005.49
91.000% S/. -118,473.91
91.500% S/. -118,938.22
92.000% S/. -119,398.49
92.500% S/. -119,854.76
93.000% S/. -120,307.09
93.500% S/. -120,755.51
94.000% S/. -121,200.07
94.500% S/. -121,640.82
95.000% S/. -122,077.81
95.500% S/. -122,511.08
96.000% S/. -122,940.66
96.500% S/. -123,366.62
97.000% S/. -123,788.98
97.500% S/. -124,207.79
98.000% S/. -124,623.09
98.500% S/. -125,034.92
99.000% S/. -125,443.32
99.500% S/. -125,848.34
100.000% S/. -126,250.00
DE CARGA, CON 10
DE CARGA AL

MPLIR CON DICHO

00.00 A UNA ENTIDAD

COMPROBACION
Hallamos la amortizacion de la cuarta cuota del
cronograma del metodo frances, utilizando la funcion de
excel

S/.7,763.18
apital inicial pue de dar un valor negativo mayor o menor a 0. Si VAN>0 es factible.

VALOR ACTUAL NETO

% % % % % % % % % % % % % % % % %
42 46 49 53 56 60 63 67 70 74 77 81 84 88 91 95 98

van proyecta do

el VAN que al aumentar la tasa de descuento Y el Valor Actual va disminuyendo. Y

s en la parte positiva, y terminamos en la parte negativa.
 METODO ALEMAN
b) Cronograma de pagos anuales
Tasa nominal a 12.50%
t 48 MENSUAL
t 4 ANUAL
VA 210,000.00
mensual 0.99%

Saldo Inicial Saldo final (Sinicial-

Aos (interes) Interes Amortiza (pago-interes)Pago amortizacion)
0 210,000.00
1 210,000.00 26,250.00 S/. 52,500.00 S/. 78,750.00 S/. 157,500.00
2 S/. 157,500.00 19,687.50 S/. 52,500.00 S/. 72,187.50 S/. 105,000.00
3 S/. 105,000.00 13,125.00 S/. 52,500.00 S/. 65,625.00 S/. 52,500.00
4 S/. 52,500.00 6,562.50 S/. 52,500.00 S/. 59,062.50 S/. 0.00
65,625.00 210,000.00 275,625.00

Saldo Inicial Amortiza (pago- Saldo final (Sinicial-

Aos (interes) Interes interes) Pago amortizacion)
0 210,000.00
1 210,000.00 2,071.35 S/. 4,375.00 S/. 6,446.35 S/. 205,625.00
2 S/. 205,625.00 2,028.20 S/. 4,375.00 S/. 6,403.20 S/. 201,250.00
3 S/. 201,250.00 1,985.05 S/. 4,375.00 S/. 6,360.05 S/. 196,875.00
4 S/. 196,875.00 1,941.89 S/. 4,375.00 S/. 6,316.89 S/. 192,500.00
5 S/. 192,500.00 1,898.74 S/. 4,375.00 S/. 6,273.74 S/. 188,125.00
6 S/. 188,125.00 1,855.59 S/. 4,375.00 S/. 6,230.59 S/. 183,750.00
7 S/. 183,750.00 1,812.43 S/. 4,375.00 S/. 6,187.43 S/. 179,375.00
8 S/. 179,375.00 1,769.28 S/. 4,375.00 S/. 6,144.28 S/. 175,000.00
9 S/. 175,000.00 1,726.13 S/. 4,375.00 S/. 6,101.13 S/. 170,625.00
10 S/. 170,625.00 1,682.97 S/. 4,375.00 S/. 6,057.97 S/. 166,250.00
11 S/. 166,250.00 1,639.82 S/. 4,375.00 S/. 6,014.82 S/. 161,875.00
12 S/. 161,875.00 1,596.67 S/. 4,375.00 S/. 5,971.67 S/. 157,500.00
13 S/. 157,500.00 1,553.51 S/. 4,375.00 S/. 5,928.51 S/. 153,125.00
14 S/. 153,125.00 1,510.36 S/. 4,375.00 S/. 5,885.36 S/. 148,750.00
15 S/. 148,750.00 1,467.21 S/. 4,375.00 S/. 5,842.21 S/. 144,375.00
16 S/. 144,375.00 1,424.05 S/. 4,375.00 S/. 5,799.05 S/. 140,000.00
17 S/. 140,000.00 1,380.90 S/. 4,375.00 S/. 5,755.90 S/. 135,625.00
18 S/. 135,625.00 1,337.75 S/. 4,375.00 S/. 5,712.75 S/. 131,250.00
19 S/. 131,250.00 1,294.59 S/. 4,375.00 S/. 5,669.59 S/. 126,875.00
20 S/. 126,875.00 1,251.44 S/. 4,375.00 S/. 5,626.44 S/. 122,500.00
 21 S/. 122,500.00 1,208.29 S/. 4,375.00 S/. 5,583.29 S/. 118,125.00
22 S/. 118,125.00 1,165.14 S/. 4,375.00 S/. 5,540.14 S/. 113,750.00
23 S/. 113,750.00 1,121.98 S/. 4,375.00 S/. 5,496.98 S/. 109,375.00
24 S/. 109,375.00 1,078.83 S/. 4,375.00 S/. 5,453.83 S/. 105,000.00
25 S/. 105,000.00 1,035.68 S/. 4,375.00 S/. 5,410.68 S/. 100,625.00
26 S/. 100,625.00 992.52 S/. 4,375.00 S/. 5,367.52 S/. 96,250.00
27 S/. 96,250.00 949.37 S/. 4,375.00 S/. 5,324.37 S/. 91,875.00
28 S/. 91,875.00 906.22 S/. 4,375.00 S/. 5,281.22 S/. 87,500.00
29 S/. 87,500.00 863.06 S/. 4,375.00 S/. 5,238.06 S/. 83,125.00
30 S/. 83,125.00 819.91 S/. 4,375.00 S/. 5,194.91 S/. 78,750.00
31 S/. 78,750.00 776.76 S/. 4,375.00 S/. 5,151.76 S/. 74,375.00
32 S/. 74,375.00 733.60 S/. 4,375.00 S/. 5,108.60 S/. 70,000.00
33 S/. 70,000.00 690.45 S/. 4,375.00 S/. 5,065.45 S/. 65,625.00
34 S/. 65,625.00 647.30 S/. 4,375.00 S/. 5,022.30 S/. 61,250.00
35 S/. 61,250.00 604.14 S/. 4,375.00 S/. 4,979.14 S/. 56,875.00
36 S/. 56,875.00 560.99 S/. 4,375.00 S/. 4,935.99 S/. 52,500.00
37 S/. 52,500.00 517.84 S/. 4,375.00 S/. 4,892.84 S/. 48,125.00
38 S/. 48,125.00 474.68 S/. 4,375.00 S/. 4,849.68 S/. 43,750.00
39 S/. 43,750.00 431.53 S/. 4,375.00 S/. 4,806.53 S/. 39,375.00
40 S/. 39,375.00 388.38 S/. 4,375.00 S/. 4,763.38 S/. 35,000.00
41 S/. 35,000.00 345.23 S/. 4,375.00 S/. 4,720.23 S/. 30,625.00
42 S/. 30,625.00 302.07 S/. 4,375.00 S/. 4,677.07 S/. 26,250.00
43 S/. 26,250.00 258.92 S/. 4,375.00 S/. 4,633.92 S/. 21,875.00
44 S/. 21,875.00 215.77 S/. 4,375.00 S/. 4,590.77 S/. 17,500.00
45 S/. 17,500.00 172.61 S/. 4,375.00 S/. 4,547.61 S/. 13,125.00
46 S/. 13,125.00 129.46 S/. 4,375.00 S/. 4,504.46 S/. 8,750.00
47 S/. 8,750.00 86.31 S/. 4,375.00 S/. 4,461.31 S/. 4,375.00
48 S/. 4,375.00 43.15 S/. 4,375.00 S/. 4,418.15 S/. 0.00

Si comparamos los 2 cronogramas mostrados, podemos darnos cuenta que con el metodo aleman se pagan men
Comentario: intereses que aplicando el metodo frances

c)Hallar el VAN Y TIR si la uientes empresa planea obtener los siguientes ingresos anuales

Ao Flujo de Caja tasa de descuento 12.50%

0 -210000.00
1 60,000.00
2 150,000.00
3 80,000.00
4 100,000.00
Dos opciones:
1) Si los flujos trados al ao 0 y restado con el capital inicial pue de dar un va
2) utilizar la funcin VAN
S/. 80,467.92

TIR

29.01% TIR
 0.00% VAN

Tasa de
incremento 0.50%

Tasa de Dcto. VAN

0% S/. 180,000.00
0.500% S/. 175,049.32
1.000% S/. 170,195.59
1.500% S/. 165,436.35
2.000% S/. 160,769.18
2.500% S/. 156,191.76
3.000% S/. 151,701.85
3.500% S/. 147,297.26
4.000% S/. 142,975.87
4.500% S/. 138,735.62
5.000% S/. 134,574.53
5.500% S/. 130,490.67
6.000% S/. 126,482.15
6.500% S/. 122,547.16
7.000% S/. 118,683.93
7.500% S/. 114,890.74
8.000% S/. 111,165.94
8.500% S/. 107,507.91
9.000% S/. 103,915.07
9.500% S/. 100,385.90
10.000% S/. 96,918.93
10.500% S/. 93,512.70
11.000% S/. 90,165.83
11.500% S/. 86,876.95
12.000% S/. 83,644.74
12.500% S/. 80,467.92
13.000% S/. 77,345.23
13.500% S/. 74,275.47
14.000% S/. 71,257.46
14.500% S/. 68,290.03
15.000% S/. 65,372.09
15.500% S/. 62,502.53
16.000% S/. 59,680.30
16.500% S/. 56,904.37
17.000% S/. 54,173.73
17.500% S/. 51,487.42
18.000% S/. 48,844.48
18.500% S/. 46,243.98
19.000% S/. 43,685.03
19.500% S/. 41,166.75
20.000% S/. 38,688.27
20.500% S/. 36,248.78
21.000% S/. 33,847.45
21.500% S/. 31,483.50
22.000% S/. 29,156.15
22.500% S/. 26,864.65
23.000% S/. 24,608.28
23.500% S/. 22,386.32
24.000% S/. 20,198.07
24.500% S/. 18,042.85
25.000% S/. 15,920.00
25.500% S/. 13,828.88
26.000% S/. 11,768.85
26.500% S/. 9,739.30
27.000% S/. 7,739.63
27.500% S/. 5,769.26
28.000% S/. 3,827.61
28.500% S/. 1,914.13
29.000% S/. 28.27
29.500% S/. -1,830.49
30.000% S/. -3,662.69
30.500% S/. -5,468.81
31.000% S/. -7,249.36
31.500% S/. -9,004.83
32.000% S/. -10,735.67
32.500% S/. -12,442.36
33.000% S/. -14,125.34
33.500% S/. -15,785.05
34.000% S/. -17,421.93
34.500% S/. -19,036.39
35.000% S/. -20,628.84
35.500% S/. -22,199.68
36.000% S/. -23,749.31
36.500% S/. -25,278.11
37.000% S/. -26,786.45
37.500% S/. -28,274.71
38.000% S/. -29,743.23
38.500% S/. -31,192.37
39.000% S/. -32,622.48
39.500% S/. -34,033.88
40.000% S/. -35,426.91
40.500% S/. -36,801.88
41.000% S/. -38,159.11
41.500% S/. -39,498.91
42.000% S/. -40,821.58
42.500% S/. -42,127.41
43.000% S/. -43,416.69
43.500% S/. -44,689.71
44.000% S/. -45,946.73
44.500% S/. -47,188.03
45.000% S/. -48,413.87
45.500% S/. -49,624.51
46.000% S/. -50,820.21
46.500% S/. -52,001.21
47.000% S/. -53,167.76
47.500% S/. -54,320.10
48.000% S/. -55,458.45
48.500% S/. -56,583.05
49.000% S/. -57,694.12
49.500% S/. -58,791.88
50.000% S/. -59,876.54
50.500% S/. -60,948.33
51.000% S/. -62,007.43
51.500% S/. -63,054.06
52.000% S/. -64,088.41
52.500% S/. -65,110.69
53.000% S/. -66,121.07
53.500% S/. -67,119.74
54.000% S/. -68,106.90
54.500% S/. -69,082.71
55.000% S/. -70,047.36
55.500% S/. -71,001.02
56.000% S/. -71,943.85
56.500% S/. -72,876.03
57.000% S/. -73,797.72
57.500% S/. -74,709.07
58.000% S/. -75,610.24
58.500% S/. -76,501.39
59.000% S/. -77,382.67
59.500% S/. -78,254.23
60.000% S/. -79,116.21
60.500% S/. -79,968.76
61.000% S/. -80,812.01
61.500% S/. -81,646.10
62.000% S/. -82,471.17
62.500% S/. -83,287.35
63.000% S/. -84,094.77
63.500% S/. -84,893.56
64.000% S/. -85,683.84
64.500% S/. -86,465.74
65.000% S/. -87,239.38
65.500% S/. -88,004.87
66.000% S/. -88,762.34
66.500% S/. -89,511.89
67.000% S/. -90,253.64
67.500% S/. -90,987.70
68.000% S/. -91,714.18
68.500% S/. -92,433.19
69.000% S/. -93,144.83
69.500% S/. -93,849.20
70.000% S/. -94,546.40
70.500% S/. -95,236.54
71.000% S/. -95,919.71
71.500% S/. -96,596.00
72.000% S/. -97,265.52
72.500% S/. -97,928.35
73.000% S/. -98,584.59
73.500% S/. -99,234.32
74.000% S/. -99,877.63
74.500% S/. -100,514.62
75.000% S/. -101,145.36
75.500% S/. -101,769.93
76.000% S/. -102,388.43
76.500% S/. -103,000.93
77.000% S/. -103,607.50
77.500% S/. -104,208.24
78.000% S/. -104,803.22
78.500% S/. -105,392.50
79.000% S/. -105,976.17
79.500% S/. -106,554.30
80.000% S/. -107,126.96
80.500% S/. -107,694.23
81.000% S/. -108,256.16
81.500% S/. -108,812.84
82.000% S/. -109,364.32
82.500% S/. -109,910.67
83.000% S/. -110,451.97
83.500% S/. -110,988.27
84.000% S/. -111,519.64
84.500% S/. -112,046.13
85.000% S/. -112,567.82
85.500% S/. -113,084.75
86.000% S/. -113,597.00
 86.500% S/. -114,104.61
87.000% S/. -114,607.65
87.500% S/. -115,106.17
88.000% S/. -115,600.23
88.500% S/. -116,089.89
89.000% S/. -116,575.19
89.500% S/. -117,056.19
90.000% S/. -117,532.94
90.500% S/. -118,005.49
91.000% S/. -118,473.91
91.500% S/. -118,938.22
92.000% S/. -119,398.49
92.500% S/. -119,854.76
93.000% S/. -120,307.09
93.500% S/. -120,755.51
94.000% S/. -121,200.07
94.500% S/. -121,640.82
95.000% S/. -122,077.81
95.500% S/. -122,511.08
96.000% S/. -122,940.66
96.500% S/. -123,366.62
97.000% S/. -123,788.98
97.500% S/. -124,207.79
98.000% S/. -124,623.09
98.500% S/. -125,034.92
99.000% S/. -125,443.32
99.500% S/. -125,848.34
100.000% S/. -126,250.00
do aleman se pagan menos

l inicial pue de dar un valor negativo mayor o menor a 0. Si VAN>0 es factible.

LA EMPRESA AL TERMINO DEL PRESTAMO INICIAL TIENE COMO OBJETIVO AMPLIAR EL RUBRO DE TR
TRANSPORTE DE PASAJEROS, TENIENDO COMO ALTERNATIVA 04 PROPUESTAS
TASA DE 12%
INTERES

A B C
COSTO INICIAL 25,000.00 30,000.00 50,000.00
VIDA ECONOMICO (AOS) 4.00 4.00 4.00
VALOR DE RESCATE 18,000.00 20,000.00 22,000.00
INGRESOS ANUALES 200,000.00 240,000.00 280,000.00
EGRESOS ANUALES 180,000.00 187,000.00 195,000.00
ADQUISICION DE VEHICULOS 100,000.00 110,000.00 115,000.00
COMBUSTIBLE 50,000.00 50,000.00 50,000.00
PERSONAL 5,000.00 5,000.00 5,000.00
MANTENIMIENTO 25,000.00 22,000.00 25,000.00
INGRESOS NETOS 20,000.00 53,000.00 85,000.00
VALOR ACTUAL -S/.74,307.66 -S/.178,269.15 -S/.294,193.30
AMPLIAR EL RUBRO DE TRANPORTE DE PERSONAL A