Documentos de Académico
Documentos de Profesional
Documentos de Cultura
R=Pago
P=Valor presente
TEP=Tasa del prestamo
n= periodo de pago
F=Valor futuro
nualidades y/o rentas
=Valor presente
EP=Tasa del prestamo
= periodo de pago
=Valor futuro
Préstamo = S/. 100,000.00 n= 12
Tasa = 0.86% TEM Método Francés
A B A+B
Periodo Deuda Inicial Interes Amortizacion Cuota Seguros
0 S/. 100,000.00 S/. 0.00 0 S/. -100,000.00
1 S/. 100,000.00 S/. 860.00 S/. 7,946.48 S/. 8,806.48 S/. 100.00
2 S/. 92,053.52 S/. 791.66 S/. 8,014.82 S/. 8,806.48 S/. 100.00
3 S/. 84,038.70 S/. 722.73 S/. 8,083.75 S/. 8,806.48 S/. 100.00
4 S/. 75,954.96 S/. 653.21 S/. 8,153.27 S/. 8,806.48 S/. 100.00
5 S/. 67,801.69 S/. 583.09 S/. 8,223.38 S/. 8,806.48 S/. 100.00
6 S/. 59,578.31 S/. 512.37 S/. 8,294.11 S/. 8,806.48 S/. 100.00
7 S/. 51,284.20 S/. 441.04 S/. 8,365.43 S/. 8,806.48 S/. 100.00
8 S/. 42,918.77 S/. 369.10 S/. 8,437.38 S/. 8,806.48 S/. 100.00
9 S/. 34,481.39 S/. 296.54 S/. 8,509.94 S/. 8,806.48 S/. 100.00
10 S/. 25,971.45 S/. 223.35 S/. 8,583.12 S/. 8,806.48 S/. 100.00
11 S/. 17,388.33 S/. 149.54 S/. 8,656.94 S/. 8,806.48 S/. 100.00
12 S/. 8,731.39 S/. 75.09 S/. 8,731.39 S/. 8,806.48 S/. 100.00
S/. 5,677.74
TIR 0.86%
2 Con la formula
R S/8,806.48
Ejemplo
1 2 3
-100,000 25,000 50,000 40,000
TIR 6.8%
I= 6.8%
Ejemplo ;
5%
1 2 3
-100,000 23,810 45,351 34,554
8%
1 2 3
-100,000 23,148 42,867 31,753
meses
VF=vp*(1+i)^n
La tir es la tasa que hace que la suma de los flujos llevados a valor presente sean igual a la inversión
103,715
3,715 El proyecto va
97,768
-2,232 El proyecto no va
enzo se paga los interes
A B A+B
Periodo Deuda Inicial Interes Amortizacion Cuota Deuda Final
0 S/. 100,000.00 S/. 0.00 0 S/. -100,000.00 100000
1 S/. 100,000.00 S/. 860.00 S/. 7,946.48 S/. 8,806.48 S/. 92,053.52
2 S/. 92,053.52 S/. 791.66 S/. 8,014.82 S/. 8,806.48 S/. 84,038.70
3 S/. 84,038.70 S/. 722.73 S/. 8,083.75 S/. 8,806.48 S/. 75,954.96
4 S/. 75,954.96 S/. 653.21 S/. 8,153.27 S/. 8,806.48 S/. 67,801.69
5 S/. 67,801.69 S/. 583.09 S/. 8,223.38 S/. 8,806.48 S/. 59,578.31
6 S/. 59,578.31 S/. 512.37 S/. 8,294.11 S/. 8,806.48 S/. 51,284.20
7 S/. 51,284.20 S/. 441.04 S/. 8,365.43 S/. 8,806.48 S/. 42,918.77
8 S/. 42,918.77 S/. 369.10 S/. 8,437.38 S/. 8,806.48 S/. 34,481.39
9 S/. 34,481.39 S/. 296.54 S/. 8,509.94 S/. 8,806.48 S/. 25,971.45
10 S/. 25,971.45 S/. 223.35 S/. 8,583.12 S/. 8,806.48 S/. 17,388.33
11 S/. 17,388.33 S/. 149.54 S/. 8,656.94 S/. 8,806.48 S/. 8,731.39
12 S/. 8,731.39 S/. 75.09 S/. 8,731.39 S/. 8,806.48 S/. 0.00
S/. 5,677.74
2 Con la formula
R S/8,806.48
Ejemplo
1 2 3
-100,000 25,000 50,000 40,000
TIR 6.8%
I= 6.8%
Ejemplo ;
5%
1 2 3
-100,000 23,810 45,351 34,554
8%
1 2 3
-100,000 23,148 42,867 31,753
Cuota 1 = S/. 8,806.48
Cuota 2 = S/. 8,806.48
VF=vp*(1+i)^n
La tir es la tasa que hace que la suma de los flujos llevados a valor presente sean igual a la inversión
103,715
3,715 El proyecto va
97,768
-2,232 El proyecto no va
enzo se paga los interes
Evaluando trimestralmente
TEM 0.86%
TET 2.60%
Evaluando quincenalmente
TEM 0.86%
TEQ 0.43%
Positivo Negativo
Amortizar capital en una mayor forma Cuotas mayores al inicio
Cuotas variables
Préstamo = S/. 100,000.00 n = 12
Tasa = 0.86% TEM Método Americano
Cuota S/71.02
en 12 meses
TEA 45.76%
meses
(1+I)^(QUIERO/TENGO)-1