Quinto.

-
Para un préstamo de S/.30,000 financiado al 23.64% TEA, se establecen 18 cuotas fijas mensuales.
1) Determine el valor de la cuota. Rpta. 1,963.28
2) Elabore el cronograma de pagos correspondiente.
3) La tasa de costo efectivo mensual y anual y la TIR Rpta.
Sexto.-

Determine el valor de la cuota

TED 0.05815%
Fecha de pago N de Dias
6/13/2011 - -
6/30/2011 7/30/2011 47 47
7/30/2011 8/30/2011 31 78
8/30/2011 9/30/2011 31 109
9/30/2011 10/30/2011 30 139
10/30/2011 11/30/2011 31 170
11/30/2011 12/30/2011 30 200
12/30/2011 1/30/2012 31 231
1/30/2012 2/29/2012 30 261
2/29/2012 3/30/2012 30 291
3/30/2012 4/30/2012 31 322
4/30/2012 5/30/2012 30 352
5/30/2012 6/30/2012 31 383
6/30/2012 7/30/2012 30 413
7/30/2012 8/30/2012 31 444
8/30/2012 9/30/2012 31 475
9/30/2012 10/30/2012 30 505
10/30/2012 11/30/2012 31 536
11/30/2012 12/30/2012 30 566

El valor de la cuota es de :

Elabore el cronograma de pagos correspondiente.

CRONOGRAMA DE PAGO

Capital S/ 30,000.00
TEA 23.64%
TED 0.0582%
 Fecha de
N° de Días Mes Intereses Amortización
Pago
6/13/2011 - 0 - -
7/30/2011 47 1 S/ 819.99 S/ 1,160.58
8/30/2011 31 2 S/ 519.92 S/ 1,460.64
9/30/2011 31 3 S/ 493.59 S/ 1,486.98
10/30/2011 30 4 S/ 451.72 S/ 1,528.84
11/30/2011 31 5 S/ 439.22 S/ 1,541.35
12/30/2011 30 6 S/ 398.16 S/ 1,582.40
1/30/2012 31 7 S/ 382.90 S/ 1,597.66
2/29/2012 30 8 S/ 342.68 S/ 1,637.89
3/30/2012 30 9 S/ 314.10 S/ 1,666.46
4/30/2012 31 10 S/ 294.53 S/ 1,686.03
5/30/2012 30 11 S/ 255.61 S/ 1,724.95
6/30/2012 31 12 S/ 233.03 S/ 1,747.53
7/30/2012 30 13 S/ 195.03 S/ 1,785.53
8/30/2012 31 14 S/ 169.34 S/ 1,811.22
9/30/2012 31 15 S/ 136.69 S/ 1,843.87
10/30/2012 30 16 S/ 100.11 S/ 1,880.45
11/30/2012 31 17 S/ 69.55 S/ 1,911.02
12/30/2012 30 18 S/ 33.96 S/ 1,946.60

La tasa de costo efectivo mensual y anual y la TIR

K 12
TIRM 1.8831%
TCEA 25.0915%
M S/ 30,000.00
CUOTA(n) S/ 1,980.56
s mensuales.

PERIODO P
0 -
1 0.97304506
2 0.95566515
3 0.93859567
4 0.92236716
5 0.90589243
6 0.89022937
7 0.87432867
8 0.85921135
9 0.84435542
10 0.82927408
11 0.81493577
12 0.80037991
13 0.78654118
14 0.77249248
15 0.75869472
16 0.74557673
17 0.73225972
18 0.71959880

FVP 15.12
PRESTAMO S/ 30,000.00
CUOTA 1,983.68

1,983.68

OGRAMA DE PAGOS
 Saldo Gastos Cuota
Cuota
Deudor Seguros Total
- S/ 30,000.00 - -S/ 30,000.00
S/ 1,980.56 S/ 28,839.42 S/ - S/ 1,980.56
S/ 1,980.56 S/ 27,378.78 S/ - S/ 1,980.56
S/ 1,980.56 S/ 25,891.80 S/ - S/ 1,980.56
S/ 1,980.56 S/ 24,362.96 S/ - S/ 1,980.56
S/ 1,980.56 S/ 22,821.62 S/ - S/ 1,980.56
S/ 1,980.56 S/ 21,239.21 S/ - S/ 1,980.56
S/ 1,980.56 S/ 19,641.55 S/ - S/ 1,980.56
S/ 1,980.56 S/ 18,003.67 S/ - S/ 1,980.56
S/ 1,980.56 S/ 16,337.21 S/ - S/ 1,980.56
S/ 1,980.56 S/ 14,651.17 S/ - S/ 1,980.56
S/ 1,980.56 S/ 12,926.22 S/ - S/ 1,980.56
S/ 1,980.56 S/ 11,178.70 S/ - S/ 1,980.56
S/ 1,980.56 S/ 9,393.16 S/ - S/ 1,980.56
S/ 1,980.56 S/ 7,581.94 S/ - S/ 1,980.56
S/ 1,980.56 S/ 5,738.07 S/ - S/ 1,980.56
S/ 1,980.56 S/ 3,857.62 S/ - S/ 1,980.56
S/ 1,980.56 S/ 1,946.60 S/ - S/ 1,980.56
S/ 1,980.56 S/ 0.00 S/ - S/ 1,980.56