Entrada Salida

Depósito Retiro
Fecha Descripción Abono Cargo Saldo N P
1-Feb S/. 86,000.00 360
2-Feb S/. 54,000.00 S/. 140,000.00 360
4-Feb S/. 70,000.00 S/. 70,000.00 360
11-Feb S/. 72,000.00 -S/. 2,000.00 5 360
16-Feb S/. 90,000.00 -S/. 92,000.00 5 360
21-Feb S/. 98,000.00 S/. 6,000.00 360
27-Feb S/. 44,000.00 -S/. 38,000.00 6 360

TIEA 121%
TIED
I -S/. 1,546.58
TEA 121%

SALDO*((1+TE)^(n/p)-1

-22.14932 -22.14932
-1018.8687 -1018.8687

-505.56213 -505.56213
-1546.5802 -1546.5802
F1 S/. 56,700.00
F2 S/. 404,219.5
TIET 4.5% TE CUATRIMESTRAL
t1 0.2083 25 DIAS F
P
t2 0.2916666667 35 DIAS 1  i  t
P1 S/. 56,182.43
P2 S/. 399,063.20
P S/. 455,245.62 120
90
 n
P 50000 12/1/2016 35 p*(1+TE)^(n)=F
dep 1 25000 1/5/2017
TEM 12% p*(1+te)^(n)
F1 82067.7868913892 1/5/2017 26
F2 90537.4673684593 1/31/2017 VF = P * (1+ TN/p )^ n

DIA0 SALDO ABONO CARGO N

14-Apr 1000 TN M
2-May 624.27 400 18 4% CAPITALIZACION DIARIA
15-May 435.18 200 13 TEM 4.08%
3-Jun 546.34 100 19 ((1+TN/P)^(N)-1)
24-Jun 561.84 21

624.27
435.18
546.340
561.84
 n

APITALIZACION DIARIA
VF=VP*(1+TE)^N
p*(1+TE)^(n)=F
F S/. 45,000.00 1

P S/ 2,900.00  F  n
i    1
n 120dias  P 
TED 2.311%
TEA 98.47% 2.311%

descuento abon vencimiento 120

45000 2900
42100
P S/. 20,000.00
n 90 dias
TNA1 24%
p
TNA2 18%
TED1 0.07
TED2 18.06%
n1 25.0000
n2 S/. 65.00
VF=VA S/. 20,336.01
VF=VA S/. 21,007.62
 prestamo S/ 20,000.00
n 90
tna 24%
1-Jul 18%
6-Jun 1-Jul
n 25
tna 24%
20336.0137

hallar el valor futuro

6-Jun apertura VF = P * (1+ TE )^ n

n= 90 días VF = P * (1+ TN/p )^ n
P= 20,000
TNA 24% CAPI: DIARIA
1-Jul 18% TNA, CON CAPI DIARIA
HALLAR EL VALOR FUTURO AL VENCIMIENTO 6-Jun 1-Jul
N 25
24%
20,336.01

6-Jun
 vf p*((1+tn/p)^(n)
dias
capitalizacio diaria
tna capitalñizcio diaira
4-Sep
65
18%
21007.6208

24%
18%

 TN 
n


TE   1    1 
 p  
4-Sep  
65
18%
21,007.62

1-Jun 4-Sep
 COMPLETE EL CUADRO A PARTIR DEL MÉTODO ALEMÁN (AMO

Préstamo
Moneda
Número de Cuotas
Período de Pagos
TEA
TET
Amortización

Período Amortización
0
1 13,333
2 13,333
3 13,333
4 13,333
5 13,333
6 13,333
7 13,333
8 13,333
9 13,333
total 120,000
11
12
13
14
15
16
17
18
A PARTIR DEL MÉTODO ALEMÁN (AMORTIZACIONES FIJAS)

120,000
Nuevos Soles
9
Mensual
18.75%
4.39% 4.39%
13,333

Interés Cuota Saldo

120,000
5,267.86 18,601.19 106,667
4,682.54 18,015.87 93,333
4,097.22 17,430.56 80,000
3,511.91 16,845.24 66,667
2,926.59 16,259.92 53,333
2,341.27 15,674.60 40,000
1,755.95 15,089.29 26,667
1,170.64 14,503.97 13,333
585.32 13,918.65 -
26,339.29 146339.288978953
 COMPLETE EL CUADRO A PARTIR DEL MÉTODO FRANCÉS (CUO

Préstamo 85,000
Moneda Nuevos Soles
Número de Cuotas 18
Período de Pagos bimstral
TEA 32.65%
TEB 4.82%
CUOTA 7,170

Período Amortización Interés

0
1 3,072.04 4,098.45
2 3,220.17 3,950.32
3 3,375.43 3,795.06
4 3,538.19 3,632.30
5 3,708.79 3,461.70
6 3,887.61 3,282.88
7 4,075.06 3,095.43
8 4,271.55 2,898.94
9 4,477.51 2,692.98
10 4,693.40 2,477.08
11 4,919.70 2,250.78
12 5,156.92 2,013.57
13 5,405.57 1,764.92
14 5,666.21 1,504.28
15 5,939.42 1,231.07
16 6,225.80 944.69
17 6,525.99 644.50
18 6,840.65 329.84
85,000.00 44,068.77
85,000.00
EL MÉTODO FRANCÉS (CUOTAS FIJAS)

frc

cuota frc*prestamo te/(1-(1+te)^(-n)

0.084358676
7170.49
0.0843586761 7,170.49
7,170.49
Cuota Saldo
85,000
7,170 81,927.96
7,170 78,707.79
7,170 75,332.36
7,170 71,794.18
7,170 68,085.39
7,170 64,197.78
7,170 60,122.72
7,170 55,851.17
7,170 51,373.66
7,170 46,680.26
7,170 41,760.55
7,170 36,603.63
7,170 31,198.06
7,170 25,531.86
7,170 19,592.44
7,170 13,366.64
7,170 6,840.65
7,170 0.00
129,068.77