Amortizaciones y Control de

1). 𝑆𝑒 𝑡𝑖𝑒𝑛𝑒 𝑢𝑛𝑎 𝑜𝑏𝑟𝑎 𝑑𝑒 14 𝑚𝑒𝑠𝑒𝑠 𝑑𝑒 𝑝𝑙𝑎𝑧𝑜. 𝑅𝑒𝑎𝑙𝑖𝑧𝑎𝑟 𝑙𝑎𝑠 𝑎𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑐𝑖𝑜𝑛𝑒𝑠 𝑦 𝑐𝑢𝑎𝑑𝑟𝑜 𝐶𝑜𝑛𝑡𝑟𝑜𝑙 𝑑𝑒 𝐶𝑎𝑟𝑡𝑎𝑠 𝐹
𝑆𝑖 𝑟𝑒𝑐𝑖𝑏𝑖𝑒𝑟𝑜𝑛 𝑢𝑛 𝐴𝑑𝑒�. 𝑝𝑎𝑟𝑎 𝑀𝑎𝑡𝑒𝑟𝑖𝑎𝑙𝑒𝑠 𝑑𝑒𝑙 20 % 𝑀𝐶, 𝑠𝑒𝑔ú𝑛 𝑙𝑎𝑠 𝑠𝑖𝑔𝑢𝑖𝑒𝑛𝑡𝑒𝑠 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑐𝑖ó𝑛:

𝑀𝐶=𝑆/. 3,772,197.80

CF1
20 % CF2 CF3
Avance VAL - mes ΣAm1 ΣAm2 ΣAm3
5% 1
8% 2
9% 3
7% 4
9% 5
8% 6
7% 7
9% 8
5% 9
6% 10
8% 11
6% 12
9% 13
4% 14

Solución:

(S/.) CF1 CF2 CF3

Avance VAL - mes ΣAm1 (S/.) ΣAm2 (S/.) ΣAm3 (S/.)
6% 1 226,331.87 45,266.37
5% 2 188,609.89 37,721.98
6% 3 226,331.87 45,266.37
7% 4 264,053.85 52,810.77
5% 5 188,609.89 37,721.98
6% 6 226,331.87 45,266.37
4% 7 150,887.91 30,177.58
5% 8 188,609.89 37,721.98
4% 9 150,887.91 30,177.58
7% 10 264,053.85
6% 11 226,331.87
5% 12 188,609.89
6% 13 226,331.87
7% 14 264,053.85
7% 15 264,053.85
6% 16 226,331.87
8% 17 301,775.82
100%

𝑀𝐶=𝑆/. 3,772,197.80 (𝑆𝑖𝑛 𝐼𝐺𝑉) 1979

𝐴𝑑𝑒�. 20%𝑀𝐶:
𝐴𝑑𝑒�. = 20 %∗𝑀𝐶=𝑆/. 754,439.56 (𝑆𝑖𝑛 𝐼𝐺𝑉)=1^0 𝐶𝐹 (𝐵𝐶𝑃)
(−) 1^0 𝑇=𝑆/. 128,254.72 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 1^0 𝑇)

〖𝐶𝐹〗 _2=𝑆/. 626,184.84 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

(−) 2^0 𝑇=𝑆/. 135,799.12 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 2^0 𝑇)

〖𝐶𝐹〗 _3=𝑆/. 490,385.72 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

(−) 3^0 𝑇=𝑆/. 98,077.14 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 3^0 𝑇)

〖𝐶𝐹〗 _4=𝑆/. 392,308.58 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

(−) 4^0 𝑇=𝑆/. 135,799.12 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 4^0 𝑇)

〖𝐶𝐹〗 _5=𝑆/. 256,509.46 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

100,717.68
CF56 155,791.78
98,077.14
CF7 57,714.64
60,355.16
CF8 -2,640.52
ortizaciones y Control de Cartas Fianzas

𝑑𝑟𝑜 𝐶𝑜𝑛𝑡𝑟𝑜𝑙 𝑑𝑒 𝐶𝑎𝑟𝑡𝑎𝑠 𝐹𝑖𝑎𝑛𝑧𝑎𝑠 𝑐𝑎𝑑𝑎 3 𝑚𝑒𝑠𝑒𝑠, 𝑑𝑒 𝑎𝑐𝑢𝑒𝑟𝑑𝑜 𝑎 𝑙𝑜𝑠 % 𝑑𝑒 𝑎𝑣𝑎𝑛𝑐𝑒𝑠 𝑦 𝑎 𝑙𝑎𝑠 𝑉𝑎𝑙𝑜𝑟𝑖𝑧𝑎𝑐𝑖𝑜𝑛𝑒𝑠 𝑠𝑖𝑛 𝐼𝐺𝑉.
𝑠 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑐𝑖ó𝑛:

CF4 CF5
ΣAm4 ΣAm5

CF4 CF5 CF6 CF7 CF8

ΣAm4 (S/.) ΣAm5 (S/.) ΣAm3 (S/.) ΣAm4 (S/.) ΣAm5 (S/.)

∑▒ 〖𝐴𝑚〗 _1 =𝑆/. 128,254.72

∑▒ 〖𝐴𝑚〗 _2 =𝑆/. 135,799.12

∑▒ 〖𝐴𝑚〗 _3 =𝑆/. 98,077.14

52,810.77
45,266.37 ∑▒ 〖𝐴𝑚〗 _4 =𝑆/. 135,799.12
37,721.98
45,266.37
52,810.77 ∑▒ 〖𝐴𝑚〗 _5 =𝑆/. 100,717.68
2,640.54 52,810.77
 45,266.37 98,077.14
60,355.16 60,355.16

𝑆𝑖𝑛 𝐼𝐺𝑉)=1^0 𝐶𝐹 (𝐵𝐶𝑃)

𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 1^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 2^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 3^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 4^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑜𝑛𝑒𝑠 𝑠𝑖𝑛 𝐼𝐺𝑉.
 Amortizaciones y Control de Car

1). 𝑆𝑒 𝑡𝑖𝑒𝑛𝑒 𝑢𝑛𝑎 𝑜𝑏𝑟𝑎 𝑑𝑒 14 𝑚𝑒𝑠𝑒𝑠 𝑑𝑒 𝑝𝑙𝑎𝑧𝑜. 𝑅𝑒𝑎𝑙𝑖𝑧𝑎𝑟 𝑙𝑎𝑠 𝑎𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑐𝑖𝑜𝑛𝑒𝑠 𝑦 𝑐𝑢𝑎𝑑𝑟𝑜 𝐶𝑜𝑛𝑡𝑟𝑜𝑙 𝑑𝑒 𝐶𝑎𝑟𝑡𝑎𝑠 𝐹
𝑆𝑖 𝑟𝑒𝑐𝑖𝑏𝑖𝑒𝑟𝑜𝑛 𝑢𝑛 𝐴𝑑𝑒𝑙𝑎𝑛𝑡𝑜 𝑝𝑎𝑟𝑎 𝑀𝑎𝑡𝑒𝑟𝑖𝑎𝑙𝑒𝑠, 𝑒𝑞𝑢𝑖𝑣𝑎𝑙𝑒𝑛𝑡𝑒 𝑎𝑙 18 % 𝑑𝑒𝑙 𝑀𝐶= 4,520,000.00

CF1
18 % CF2 CF3
Avance VAL - mes ΣAm1 ΣAm2 ΣAm3
6% 1
9% 2
4% 3
7% 4
5% 5
6% 6
7% 7
8% 8
9% 9
7% 10
8% 11
7% 12
9% 13
8% 14

Solución:

(S/.) CF1 CF2 CF3

Avance VAL - mes ΣAm1 (S/.) ΣAm2 (S/.) ΣAm3 (S/.)
6% 1 271,200.00 48,816.00
9% 2 406,800.00 73,224.00
4% 3 180,800.00 32,544.00
7% 4 316,400.00 56,952.00
5% 5 226,000.00 40,680.00
6% 6 271,200.00 48,816.00
7% 7 316,400.00 56,952.00
8% 8 361,600.00 65,088.00
9% 9 406,800.00 73,224.00
7% 10 316,400.00
8% 11 361,600.00
7% 12 316,400.00
9% 13 406,800.00
8% 14 361,600.00
𝑑í𝑎𝑠∗(1𝑚𝑒𝑠/30𝑑í𝑎𝑠)=
𝑃𝑙𝑎𝑧𝑜= 90 3 𝑚𝑒𝑠𝑒𝑠
 𝑀𝐶=𝑆/. 4,520,000.00 (𝑆𝑖𝑛 𝐼𝐺𝑉) 1979

𝐴𝑑𝑒�. 18%𝑀𝐶:
𝐴𝑑𝑒�. = 18 %*𝑀𝐶=𝑆/. 813,600.00 (𝑆𝑖𝑛 𝐼𝐺𝑉)=1^0 𝐶𝐹 (𝐵𝐶𝑃)
(-) 1^0 𝑇=𝑆/. 154,584.00 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 1^0 𝑇)

〖𝐶𝐹〗 _2=𝑆/. 659,016.00 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

(-) 2^0 𝑇=𝑆/. 146,448.00 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 2^0 𝑇)

〖𝐶𝐹〗 _3=𝑆/. 512,568.00 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

(-) 3^0 𝑇=𝑆/. 195,264.00 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 3^0 𝑇)

〖𝐶𝐹〗 _4=𝑆/. 317,304.00 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

(-) 4^0 𝑇=𝑆/. 178,992.00 (𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 4^0 𝑇)

〖𝐶𝐹〗 _5=𝑆/. 138,312.00 (𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)

tizaciones y Control de Cartas Fianzas - PC1

𝑑𝑟𝑜 𝐶𝑜𝑛𝑡𝑟𝑜𝑙 𝑑𝑒 𝐶𝑎𝑟𝑡𝑎𝑠 𝐹𝑖𝑎𝑛𝑧𝑎𝑠 𝑐𝑎𝑑𝑎 90 𝑑í𝑎𝑠, 𝑑𝑒 𝑎𝑐𝑢𝑒𝑟𝑑𝑜 𝑎 𝑙𝑜𝑠 % 𝑑𝑒 𝑎𝑣𝑎𝑛𝑐𝑒𝑠 𝑦 𝑎 𝑙𝑎𝑠 𝑉𝑎𝑙𝑜𝑟𝑖𝑧𝑎𝑐𝑖𝑜𝑛𝑒𝑠 𝑠𝑖𝑛 𝑖𝑔𝑣.
4,520,000.00 𝑠𝑜𝑙𝑒𝑠. 𝑆𝑒𝑔ú𝑛 𝑙𝑎𝑠 𝑠𝑖𝑔𝑢𝑖𝑒𝑛𝑡𝑒𝑠 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑐𝑖ó𝑛:

CF4 CF5
ΣAm4 ΣAm5

CF4 CF5
ΣAm4 (S/.) ΣAm5 (S/.)

∑▒ 〖𝐴𝑚〗 _1 =𝑆/. 154,584.00

∑▒ 〖𝐴𝑚〗 _2 =𝑆/. 146,448.00

∑▒ 〖𝐴𝑚〗 _3 =𝑆/. 195,264.00

56,952.00
65,088.00 ∑▒ 〖𝐴𝑚〗 _4 =𝑆/. 178,992.00
56,952.00
73,224.00
65,088.00 ∑▒ 〖𝐴𝑚〗 _5 =𝑆/. 138,312.00
𝑆𝑖𝑛 𝐼𝐺𝑉)=1^0 𝐶𝐹 (𝐵𝐶𝑃)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 1^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 2^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 3^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑑𝑜 4^0 𝑇)

𝑆𝑎𝑙𝑑𝑜×𝐴𝑚𝑜𝑟𝑡𝑖𝑧𝑎𝑟)
𝑛𝑒𝑠 𝑠𝑖𝑛 𝑖𝑔𝑣.