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Matemática Financiera Sesion 5 y 6
Matemática Financiera Sesion 5 y 6
* Pregunta 6
VP 18,000 VF
* Pregunta 10
a) ¿Cuá nto será el monto acumulado hoy (VF), si acaba de realizar su ú ltimo depó sito?
TEA 10.00%
TEM 0.80%
Método 1
Periodo Renta VF
1 S/300.00 S/553.00
2 S/300.00 S/548.62 VF S/32,280.43
3 S/300.00 S/544.28 Aportes S/23,400.00
4 S/300.00 S/539.98 Interes S/8,880.43
5 S/300.00 S/535.71
6 S/300.00 S/531.47
7 S/300.00 S/527.26
8 S/300.00 S/523.09
9 S/300.00 S/518.95
10 S/300.00 S/514.85
11 S/300.00 S/510.78
12 S/300.00 S/506.74
13 S/300.00 S/502.73
14 S/300.00 S/498.75
15 S/300.00 S/494.80
16 S/300.00 S/490.89
17 S/300.00 S/487.01
18 S/300.00 S/483.15
19 S/300.00 S/479.33
20 S/300.00 S/475.54
21 S/300.00 S/471.78
22 S/300.00 S/468.04
23 S/300.00 S/464.34
24 S/300.00 S/460.67
25 S/300.00 S/457.02
26 S/300.00 S/453.41
27 S/300.00 S/449.82
28 S/300.00 S/446.26
29 S/300.00 S/442.73
30 S/300.00 S/439.23
31 S/300.00 S/435.76
32 S/300.00 S/432.31
33 S/300.00 S/428.89
34 S/300.00 S/425.49
35 S/300.00 S/422.13
36 S/300.00 S/418.79
37 S/300.00 S/415.48
38 S/300.00 S/412.19
39 S/300.00 S/408.93
40 S/300.00 S/405.69
41 S/300.00 S/402.48
42 S/300.00 S/399.30
43 S/300.00 S/396.14
44 S/300.00 S/393.01
45 S/300.00 S/389.90
46 S/300.00 S/386.81
47 S/300.00 S/383.75
48 S/300.00 S/380.72
49 S/300.00 S/377.71
50 S/300.00 S/374.72
51 S/300.00 S/371.75
52 S/300.00 S/368.81
53 S/300.00 S/365.89
54 S/300.00 S/363.00
55 S/300.00 S/360.13
56 S/300.00 S/357.28
57 S/300.00 S/354.45
58 S/300.00 S/351.65
59 S/300.00 S/348.87
60 S/300.00 S/346.11
61 S/300.00 S/343.37
62 S/300.00 S/340.65
63 S/300.00 S/337.96
64 S/300.00 S/335.28
65 S/300.00 S/332.63
66 S/300.00 S/330.00
67 S/300.00 S/327.39
68 S/300.00 S/324.80
69 S/300.00 S/322.23
70 S/300.00 S/319.68
71 S/300.00 S/317.15
72 S/300.00 S/314.64
73 S/300.00 S/312.15
74 S/300.00 S/309.68
75 S/300.00 S/307.23
76 S/300.00 S/304.80
77 S/300.00 S/302.39
78 S/300.00 S/300.00
b) TEM 0.80%
nPer 134 días
VP S/32,280.43
VF S/33,446.18
c) VP S/32,280.43
TEM 0.80%
TET 2.41%
N° cuotas 4
Cuota S/8,562.40
d) TEM 0.80%
Periodo Cuota Interes Saldo
0 S/32,280.43
1 S/257.41 S/32,537.84
2 S/259.46 S/32,797.30
3 S/261.53 S/33,058.83
4 S/263.62 S/33,322.44
5 S/265.72 S/33,588.16
6 S/8,768.87 S/267.84 S/25,087.12 0
7 S/200.05 S/25,287.17 1
8 S/201.64 S/25,488.82 2
9 8,769 S/203.25 S/16,923.19 3
10 S/134.95 S/17,058.14 4
11 S/136.02 S/17,194.17 5
12 8,769 S/137.11 S/8,562.40 6
13 S/68.28 S/8,630.68 7
14 S/68.82 S/8,699.50 8
15 8,769 S/69.37 S/0.00 9
* Pregunta 14
Fondo 34,863.93
Aporte 36,400
Rendimiento - 1,536.07
% Rendimiento -4.22% -4.22%
Fondo 54,948.30
Aporte 53,200
Rendimiento 1,748.30
% Rendimiento 3.29% 3.29%
* Pregunta 19
a) Desarrolle la tabla de fondo de amortizació n
TEA 3.20%
TEM 0.26%
Método 1
Periodo Cuota Interes Agregado Fondo
1 300 300 300
2 315 0.79 315.79 615.79
3 330 1.62 331.62 947.41
4 345 2.49 347.49 1,294.90
5 360 3.40 363.40 1,658.30
6 375 4.36 379.36 2,037.66
7 390 5.36 395.36 2,433.01
8 405 6.39 411.39 2,844.41
9 420 7.48 427.48 3,271.89
10 435 8.60 443.60 3,715.49
11 450 9.77 459.77 4,175.25
12 465 10.97 475.97 4,651.22
13 480 12.22 492.22 5,143.45
14 495 13.52 508.52 5,651.97
15 510 14.86 524.86 6,176.82
16 525 16.23 541.23 6,718.06
17 540 17.66 557.66 7,275.72
18 555 19.12 574.12 7,849.84
19 570 20.63 590.63 8,440.47
20 585 22.18 607.18 9,047.66
21 600 23.78 623.78 9,671.44
22 615 25.42 640.42 10,311.86
23 630 27.10 657.10 10,968.96
24 645 28.83 673.83 11,642.79
b) Interes generado
Interes 302.79
c) Cuota Constante
VF 11,642.79
N° Cuotas 24
TEM 0.26%
Cuota 470.61
* Pregunta 20
Cuota Anticipada
Método 1 TEA 5.50%
Cuota 1,863.25 (Anticipada) TEM 0.45%
Cuota vencida
Fondo
18,000.00
18,239.21
18,640.47
18,806.75
2 añ os
ú ltimo depó sito?
Método 2 Método 3
Fó rmula Excel Formula Excel (Anticipado)
TEM 0.80% TEM
N° Cuotas 78 N° Cuotas
Renta S/300.00 Renta
VF S/32,280.43 VF
n Per
TEM
VA
VP S/32,280.43
nPer 6
TEM 0.80%
VF S/33,856.00
VA S/33,856.00
N° Cuotas 4
S/33,856.00 S/8,768.87 TET 2.41%
Cuota S/8,768.87
S/8,768.87
S/8,768.87
S/8,768.87
Agregado Fondo
Chart Title
2,800 2,800
15.5
2,758.74 5,558.74
2,793.99 8,352.73 15
14.5
14
Chart Title
15.5
15
2,733.55 11,086.28
14.5
2,919.44 14,005.72
2,689.57 16,695.29 14
10,000
-
0 2 4 6 8 10 12 14 16
Método 2
TEM 0.26%
N° Cuotas 24
Cuota (A) 300
Gradiente (G) 15
Tramo 1 7,422
Tramo 2 4,221
VF (T1 + T2) 11,642.79
Método excel
VF 35000
TEM 0.45%
n 18
C. Anticipada 1,863.25
Método excel
VF 35000
TEM 0.45%
n 18
C. Anticipada S/1,871.58
Método 4
ula Excel (Anticipado) Fórmula financiera
0.80% TEM 0.80%
78 N° Cuotas 78
S/300.00 Renta S/300.00
S/32,537.84 VF S/32,280.43
1
0.80%
S/32,280.43
meses
Chart Title
Chart Title
7 8 9 10 11 12 13 14 15 16 17 18 19
Chart Title
6 8 10 12 14 16 18 20
Equivalencia Financiera