FUNCIONES FINANCIERAS (6 pts)

Mensual
Préstamo S/ 80,000.00
Tasa anual 16.00% 1.33%
Plazo en años 20 240
Cuota S/. 1,113.00

Una persona desea hacerse un préstamo para comprar un departamento por $

80000, la entidad financiera le ofrece una TEA de 16% por ser cliente preferencial, y
desea pagar en un plazo de 20 años. Calcular la cuota mensual y el cuadro de
amortización.

CUADRO DE AMORTIZACIÓN
PERIODO PAGO PAGOPRIN PAGOINT
MES CUOTA AMORTIZACIÓN INTERES
1 S/1,113.00 S/46.34 S/1,066.67
2 S/1,113.00 S/46.96 S/1,066.05
3 S/1,113.00 S/47.58 S/1,065.42
4 S/1,113.00 S/48.22 S/1,064.79
5 S/1,113.00 S/48.86 S/1,064.15
6 S/1,113.00 S/49.51 S/1,063.49
7 S/1,113.00 S/50.17 S/1,062.83
8 S/1,113.00 S/50.84 S/1,062.16
9 S/1,113.00 S/51.52 S/1,061.49
10 S/1,113.00 S/52.20 S/1,060.80
11 S/1,113.00 S/52.90 S/1,060.10
12 S/1,113.00 S/53.61 S/1,059.40
13 S/1,113.00 S/54.32 S/1,058.68
14 S/1,113.00 S/55.05 S/1,057.96
15 S/1,113.00 S/55.78 S/1,057.23
16 S/1,113.00 S/56.52 S/1,056.48
17 S/1,113.00 S/57.28 S/1,055.73
18 S/1,113.00 S/58.04 S/1,054.96
19 S/1,113.00 S/58.81 S/1,054.19
20 S/1,113.00 S/59.60 S/1,053.41
21 S/1,113.00 S/60.39 S/1,052.61
22 S/1,113.00 S/61.20 S/1,051.81
23 S/1,113.00 S/62.01 S/1,050.99
24 S/1,113.00 S/62.84 S/1,050.16
25 S/1,113.00 S/63.68 S/1,049.33
26 S/1,113.00 S/64.53 S/1,048.48
27 S/1,113.00 S/65.39 S/1,047.62
28 S/1,113.00 S/66.26 S/1,046.74
29 S/1,113.00 S/67.14 S/1,045.86
30 S/1,113.00 S/68.04 S/1,044.97
31 S/1,113.00 S/68.95 S/1,044.06
32 S/1,113.00 S/69.87 S/1,043.14
33 S/1,113.00 S/70.80 S/1,042.21
34 S/1,113.00 S/71.74 S/1,041.26
35 S/1,113.00 S/72.70 S/1,040.31
36 S/1,113.00 S/73.67 S/1,039.34
37 S/1,113.00 S/74.65 S/1,038.36
38 S/1,113.00 S/75.64 S/1,037.36
39 S/1,113.00 S/76.65 S/1,036.35
40 S/1,113.00 S/77.67 S/1,035.33
41 S/1,113.00 S/78.71 S/1,034.29
42 S/1,113.00 S/79.76 S/1,033.25
43 S/1,113.00 S/80.82 S/1,032.18
44 S/1,113.00 S/81.90 S/1,031.10
45 S/1,113.00 S/82.99 S/1,030.01
46 S/1,113.00 S/84.10 S/1,028.91
47 S/1,113.00 S/85.22 S/1,027.78
48 S/1,113.00 S/86.36 S/1,026.65
49 S/1,113.00 S/87.51 S/1,025.50
50 S/1,113.00 S/88.68 S/1,024.33
51 S/1,113.00 S/89.86 S/1,023.15
52 S/1,113.00 S/91.06 S/1,021.95
53 S/1,113.00 S/92.27 S/1,020.74
54 S/1,113.00 S/93.50 S/1,019.50
55 S/1,113.00 S/94.75 S/1,018.26
56 S/1,113.00 S/96.01 S/1,016.99
57 S/1,113.00 S/97.29 S/1,015.71
58 S/1,113.00 S/98.59 S/1,014.42
59 S/1,113.00 S/99.90 S/1,013.10
60 S/1,113.00 S/101.23 S/1,011.77
61 S/1,113.00 S/102.58 S/1,010.42
62 S/1,113.00 S/103.95 S/1,009.05
63 S/1,113.00 S/105.34 S/1,007.67
64 S/1,113.00 S/106.74 S/1,006.26
65 S/1,113.00 S/108.17 S/1,004.84
66 S/1,113.00 S/109.61 S/1,003.40
67 S/1,113.00 S/111.07 S/1,001.94
68 S/1,113.00 S/112.55 S/1,000.46
69 S/1,113.00 S/114.05 S/998.95
70 S/1,113.00 S/115.57 S/997.43
71 S/1,113.00 S/117.11 S/995.89
72 S/1,113.00 S/118.67 S/994.33
 73 S/1,113.00 S/120.26 S/992.75
74 S/1,113.00 S/121.86 S/991.15
75 S/1,113.00 S/123.48 S/989.52
76 S/1,113.00 S/125.13 S/987.87
77 S/1,113.00 S/126.80 S/986.21
78 S/1,113.00 S/128.49 S/984.52
79 S/1,113.00 S/130.20 S/982.80
80 S/1,113.00 S/131.94 S/981.07
81 S/1,113.00 S/133.70 S/979.31
82 S/1,113.00 S/135.48 S/977.52
83 S/1,113.00 S/137.29 S/975.72
84 S/1,113.00 S/139.12 S/973.89
85 S/1,113.00 S/140.97 S/972.03
86 S/1,113.00 S/142.85 S/970.15
87 S/1,113.00 S/144.76 S/968.25
88 S/1,113.00 S/146.69 S/966.32
89 S/1,113.00 S/148.64 S/964.36
90 S/1,113.00 S/150.62 S/962.38
91 S/1,113.00 S/152.63 S/960.37
92 S/1,113.00 S/154.67 S/958.34
93 S/1,113.00 S/156.73 S/956.27
94 S/1,113.00 S/158.82 S/954.18
95 S/1,113.00 S/160.94 S/952.07
96 S/1,113.00 S/163.08 S/949.92
97 S/1,113.00 S/165.26 S/947.75
98 S/1,113.00 S/167.46 S/945.54
99 S/1,113.00 S/169.69 S/943.31
100 S/1,113.00 S/171.96 S/941.05
101 S/1,113.00 S/174.25 S/938.76
102 S/1,113.00 S/176.57 S/936.43
103 S/1,113.00 S/178.93 S/934.08
104 S/1,113.00 S/181.31 S/931.69
105 S/1,113.00 S/183.73 S/929.27
106 S/1,113.00 S/186.18 S/926.82
107 S/1,113.00 S/188.66 S/924.34
108 S/1,113.00 S/191.18 S/921.83
109 S/1,113.00 S/193.73 S/919.28
110 S/1,113.00 S/196.31 S/916.69
111 S/1,113.00 S/198.93 S/914.08
112 S/1,113.00 S/201.58 S/911.43
113 S/1,113.00 S/204.27 S/908.74
114 S/1,113.00 S/206.99 S/906.01
115 S/1,113.00 S/209.75 S/903.25
116 S/1,113.00 S/212.55 S/900.46
117 S/1,113.00 S/215.38 S/897.62
118 S/1,113.00 S/218.25 S/894.75
119 S/1,113.00 S/221.16 S/891.84
120 S/1,113.00 S/224.11 S/888.89
121 S/1,113.00 S/227.10 S/885.90
122 S/1,113.00 S/230.13 S/882.88
123 S/1,113.00 S/233.20 S/879.81
124 S/1,113.00 S/236.31 S/876.70
125 S/1,113.00 S/239.46 S/873.55
126 S/1,113.00 S/242.65 S/870.36
127 S/1,113.00 S/245.88 S/867.12
128 S/1,113.00 S/249.16 S/863.84
129 S/1,113.00 S/252.49 S/860.52
130 S/1,113.00 S/255.85 S/857.15
131 S/1,113.00 S/259.26 S/853.74
132 S/1,113.00 S/262.72 S/850.28
133 S/1,113.00 S/266.22 S/846.78
134 S/1,113.00 S/269.77 S/843.23
135 S/1,113.00 S/273.37 S/839.64
136 S/1,113.00 S/277.01 S/835.99
137 S/1,113.00 S/280.71 S/832.30
138 S/1,113.00 S/284.45 S/828.55
139 S/1,113.00 S/288.24 S/824.76
140 S/1,113.00 S/292.09 S/820.92
141 S/1,113.00 S/295.98 S/817.02
142 S/1,113.00 S/299.93 S/813.08
143 S/1,113.00 S/303.93 S/809.08
144 S/1,113.00 S/307.98 S/805.03
145 S/1,113.00 S/312.09 S/800.92
146 S/1,113.00 S/316.25 S/796.76
147 S/1,113.00 S/320.46 S/792.54
148 S/1,113.00 S/324.74 S/788.27
149 S/1,113.00 S/329.07 S/783.94
150 S/1,113.00 S/333.45 S/779.55
151 S/1,113.00 S/337.90 S/775.11
152 S/1,113.00 S/342.40 S/770.60
153 S/1,113.00 S/346.97 S/766.03
154 S/1,113.00 S/351.60 S/761.41
155 S/1,113.00 S/356.28 S/756.72
156 S/1,113.00 S/361.03 S/751.97
157 S/1,113.00 S/365.85 S/747.16
158 S/1,113.00 S/370.73 S/742.28
159 S/1,113.00 S/375.67 S/737.34
160 S/1,113.00 S/380.68 S/732.33
161 S/1,113.00 S/385.75 S/727.25
162 S/1,113.00 S/390.90 S/722.11
163 S/1,113.00 S/396.11 S/716.90
164 S/1,113.00 S/401.39 S/711.61
165 S/1,113.00 S/406.74 S/706.26
166 S/1,113.00 S/412.17 S/700.84
167 S/1,113.00 S/417.66 S/695.34
168 S/1,113.00 S/423.23 S/689.77
169 S/1,113.00 S/428.87 S/684.13
170 S/1,113.00 S/434.59 S/678.41
171 S/1,113.00 S/440.39 S/672.62
172 S/1,113.00 S/446.26 S/666.75
173 S/1,113.00 S/452.21 S/660.80
174 S/1,113.00 S/458.24 S/654.77
175 S/1,113.00 S/464.35 S/648.66
176 S/1,113.00 S/470.54 S/642.47
177 S/1,113.00 S/476.81 S/636.19
178 S/1,113.00 S/483.17 S/629.83
179 S/1,113.00 S/489.61 S/623.39
180 S/1,113.00 S/496.14 S/616.86
181 S/1,113.00 S/502.76 S/610.25
182 S/1,113.00 S/509.46 S/603.55
183 S/1,113.00 S/516.25 S/596.75
184 S/1,113.00 S/523.14 S/589.87
185 S/1,113.00 S/530.11 S/582.89
186 S/1,113.00 S/537.18 S/575.83
187 S/1,113.00 S/544.34 S/568.66
188 S/1,113.00 S/551.60 S/561.41
189 S/1,113.00 S/558.95 S/554.05
190 S/1,113.00 S/566.41 S/546.60
191 S/1,113.00 S/573.96 S/539.05
192 S/1,113.00 S/581.61 S/531.39
193 S/1,113.00 S/589.37 S/523.64
194 S/1,113.00 S/597.22 S/515.78
195 S/1,113.00 S/605.19 S/507.82
196 S/1,113.00 S/613.26 S/499.75
197 S/1,113.00 S/621.43 S/491.57
198 S/1,113.00 S/629.72 S/483.29
199 S/1,113.00 S/638.12 S/474.89
200 S/1,113.00 S/646.62 S/466.38
201 S/1,113.00 S/655.25 S/457.76
202 S/1,113.00 S/663.98 S/449.02
203 S/1,113.00 S/672.83 S/440.17
204 S/1,113.00 S/681.81 S/431.20
205 S/1,113.00 S/690.90 S/422.11
206 S/1,113.00 S/700.11 S/412.90
207 S/1,113.00 S/709.44 S/403.56
208 S/1,113.00 S/718.90 S/394.10
209 S/1,113.00 S/728.49 S/384.52
210 S/1,113.00 S/738.20 S/374.80
211 S/1,113.00 S/748.04 S/364.96
212 S/1,113.00 S/758.02 S/354.99
213 S/1,113.00 S/768.12 S/344.88
214 S/1,113.00 S/778.37 S/334.64
215 S/1,113.00 S/788.74 S/324.26
216 S/1,113.00 S/799.26 S/313.74
217 S/1,113.00 S/809.92 S/303.09
218 S/1,113.00 S/820.72 S/292.29
219 S/1,113.00 S/831.66 S/281.34
220 S/1,113.00 S/842.75 S/270.26
221 S/1,113.00 S/853.99 S/259.02
222 S/1,113.00 S/865.37 S/247.63
223 S/1,113.00 S/876.91 S/236.09
224 S/1,113.00 S/888.60 S/224.40
225 S/1,113.00 S/900.45 S/212.55
226 S/1,113.00 S/912.46 S/200.55
227 S/1,113.00 S/924.62 S/188.38
228 S/1,113.00 S/936.95 S/176.05
229 S/1,113.00 S/949.44 S/163.56
230 S/1,113.00 S/962.10 S/150.90
231 S/1,113.00 S/974.93 S/138.07
232 S/1,113.00 S/987.93 S/125.08
233 S/1,113.00 S/1,001.10 S/111.90
234 S/1,113.00 S/1,014.45 S/98.55
235 S/1,113.00 S/1,027.98 S/85.03
236 S/1,113.00 S/1,041.68 S/71.32
237 S/1,113.00 S/1,055.57 S/57.43
238 S/1,113.00 S/1,069.65 S/43.36
239 S/1,113.00 S/1,083.91 S/29.10
240 S/1,113.00 S/1,098.36 S/14.64
ORTIZACIÓN

SALDO
S/ 79,953.66
S/ 79,906.71
S/ 79,859.12
S/ 79,810.91
S/ 79,762.05
S/ 79,712.54
S/ 79,662.37
S/ 79,611.53
S/ 79,560.01
S/ 79,507.80
S/ 79,454.90
S/ 79,401.30
S/ 79,346.98
S/ 79,291.93
S/ 79,236.15
S/ 79,179.63
S/ 79,122.35
S/ 79,064.31
S/ 79,005.50
S/ 78,945.90
S/ 78,885.51
S/ 78,824.31
S/ 78,762.30
S/ 78,699.46
S/ 78,635.78
S/ 78,571.25
S/ 78,505.86
S/ 78,439.60
S/ 78,372.46
S/ 78,304.42
S/ 78,235.47
S/ 78,165.61
S/ 78,094.81
S/ 78,023.07
S/ 77,950.37
S/ 77,876.71
S/ 77,802.06
S/ 77,726.42
S/ 77,649.76
S/ 77,572.09
S/ 77,493.38
S/ 77,413.62
S/ 77,332.80
S/ 77,250.89
S/ 77,167.90
S/ 77,083.80
S/ 76,998.58
S/ 76,912.22
S/ 76,824.72
S/ 76,736.04
S/ 76,646.18
S/ 76,555.13
S/ 76,462.86
S/ 76,369.36
S/ 76,274.61
S/ 76,178.60
S/ 76,081.31
S/ 75,982.72
S/ 75,882.82
S/ 75,781.59
S/ 75,679.00
S/ 75,575.05
S/ 75,469.72
S/ 75,362.97
S/ 75,254.81
S/ 75,145.20
S/ 75,034.13
S/ 74,921.58
S/ 74,807.53
S/ 74,691.96
S/ 74,574.85
S/ 74,456.18
S/ 74,335.92
S/ 74,214.06
S/ 74,090.58
S/ 73,965.45
S/ 73,838.65
S/ 73,710.16
S/ 73,579.96
S/ 73,448.02
S/ 73,314.32
S/ 73,178.84
S/ 73,041.55
S/ 72,902.44
S/ 72,761.46
S/ 72,618.61
S/ 72,473.85
S/ 72,327.17
S/ 72,178.53
S/ 72,027.90
S/ 71,875.27
S/ 71,720.60
S/ 71,563.87
S/ 71,405.05
S/ 71,244.11
S/ 71,081.03
S/ 70,915.77
S/ 70,748.31
S/ 70,578.62
S/ 70,406.66
S/ 70,232.41
S/ 70,055.84
S/ 69,876.91
S/ 69,695.60
S/ 69,511.87
S/ 69,325.69
S/ 69,137.03
S/ 68,945.85
S/ 68,752.12
S/ 68,555.81
S/ 68,356.89
S/ 68,155.31
S/ 67,951.04
S/ 67,744.05
S/ 67,534.30
S/ 67,321.75
S/ 67,106.37
S/ 66,888.12
S/ 66,666.95
S/ 66,442.84
S/ 66,215.74
S/ 65,985.61
S/ 65,752.41
S/ 65,516.11
S/ 65,276.65
S/ 65,034.00
S/ 64,788.12
S/ 64,538.96
S/ 64,286.47
S/ 64,030.62
S/ 63,771.35
S/ 63,508.63
S/ 63,242.41
S/ 62,972.64
S/ 62,699.27
S/ 62,422.26
S/ 62,141.55
S/ 61,857.10
S/ 61,568.85
S/ 61,276.77
S/ 60,980.79
S/ 60,680.86
S/ 60,376.93
S/ 60,068.95
S/ 59,756.87
S/ 59,440.62
S/ 59,120.16
S/ 58,795.42
S/ 58,466.35
S/ 58,132.90
S/ 57,795.00
S/ 57,452.60
S/ 57,105.63
S/ 56,754.03
S/ 56,397.75
S/ 56,036.71
S/ 55,670.86
S/ 55,300.14
S/ 54,924.47
S/ 54,543.79
S/ 54,158.03
S/ 53,767.14
S/ 53,371.03
S/ 52,969.64
S/ 52,562.89
S/ 52,150.73
S/ 51,733.07
S/ 51,309.83
S/ 50,880.96
S/ 50,446.37
S/ 50,005.98
S/ 49,559.72
S/ 49,107.52
S/ 48,649.28
S/ 48,184.93
S/ 47,714.39
S/ 47,237.58
S/ 46,754.41
S/ 46,264.80
S/ 45,768.65
S/ 45,265.90
S/ 44,756.44
S/ 44,240.19
S/ 43,717.05
S/ 43,186.94
S/ 42,649.76
S/ 42,105.42
S/ 41,553.82
S/ 40,994.87
S/ 40,428.46
S/ 39,854.50
S/ 39,272.89
S/ 38,683.52
S/ 38,086.30
S/ 37,481.11
S/ 36,867.86
S/ 36,246.42
S/ 35,616.70
S/ 34,978.59
S/ 34,331.96
S/ 33,676.72
S/ 33,012.74
S/ 32,339.90
S/ 31,658.10
S/ 30,967.20
S/ 30,267.09
S/ 29,557.65
 S/ 28,838.74
S/ 28,110.26
S/ 27,372.06
S/ 26,624.01
S/ 25,865.99
S/ 25,097.87
S/ 24,319.50
S/ 23,530.76
S/ 22,731.50
S/ 21,921.58
S/ 21,100.86
S/ 20,269.20
S/ 19,426.45
S/ 18,572.47
S/ 17,707.09
S/ 16,830.18
S/ 15,941.58
S/ 15,041.13
S/ 14,128.68
S/ 13,204.05
S/ 12,267.10
S/ 11,317.66
S/ 10,355.56
S/ 9,380.63
S/ 8,392.70
S/ 7,391.59
S/ 6,377.14
S/ 5,349.17
S/ 4,307.49
S/ 3,251.91
S/ 2,182.27
S/ 1,098.36
-S/ 0.00
Resumen del escenario
Valores actuales: MEJOR OPCION PEOR OPCION
Celdas cambiantes:
TASA DE INTERES 16.00% 12.00% 35.00%
PLAZO MESES 240 120 360
Celdas de resultado:
CUOTA MENS$P$11 S/1,113.00 S/1,147.77 S/2,333.41
Notas: La columna de valores actuales representa los valores de las celdas cambiantes
en el momento en que se creó el Informe resumen de escenario. Las celdas cambiantes de
cada escenario se muestran en gris.
ambiantes de
 ANÁLISIS Y SI (7 pts)

Con los datos de la hoja Financieras hallar:

TABLA DE DATOS (3 pts)

Crear una tabla de datos en los que se varíe el interés del

14% hasta el 16% con variación de 0.5%

Y los plazos desde 15 a 27 años en incrementos de 3 años.

Préstamo S/ 80,000.00 S/1,113.00 180 216 252 288

Tasa anual 16.00% 14.00% S/ 1,065.39 S/ 1,016.31 S/ 986.37 S/ 967.60
Plazo en MESES 240 14.50% S/ 1,092.40 S/ 1,044.70 S/ 1,015.91 S/ 998.06
15.00% S/ 1,119.67 S/ 1,073.35 S/ 1,045.69 S/ 1,028.74
15.50% S/ 1,147.19 S/ 1,102.26 S/ 1,075.71 S/ 1,059.63
16.00% S/ 1,174.96 S/ 1,131.40 S/ 1,105.94 S/ 1,090.71
 BUSCAR OBJETIVO (2 pts)
Se plantea que la persona solo puede pagar una cuota de $1000,
se debe resolver entonces qué valor de tasa debe conseguir en
la entidad financiera para pagar dicho monto.

Importe del préstamo S/. 80,000

Plazo en meses 240
324 Tasa de interés 14.09%
S/ 955.63 Pago S/. 1,000.00
S/ 986.81
S/ 1,018.19
S/ 1,049.75
S/ 1,081.47
 ESCENARIOS
Plantear 2 escenarios: una mejor opción y una peor opción,variando los datos de la tasa y el
tiempo. Mostrar un informe resumen de escenarios.

Préstamo S/ 80,000.00
Tasa anual 16.00%
Plazo en MESES 240
PAGO S/1,113.00

Resumen del escenario

Valores actuales:

Celdas cambiantes:
TASA DE INTERES
PLAZO MESES
Celdas de resultado:
CUOTA MENSUAL
 (2 pts)

Valores actuales: EJOR OPCION PEOR OPCION

Creado por Creado por
jakeline Aliaga el jakeline Aliaga el
1/12/2020 1/12/2020

16.00% 12.00% 35.00%

240 120 360

S/1,113.00 S/1,147.77 S/2,333.41

PROGRAMACIÓN LINEAL - SOLVER (3.5 pts)

Zmin=
 x=camiones de tipo A

 y=camiones de tipo B

A B Total
Refrigerado 20 30 3 000
No refrigerado 40 30 4 000

20*a+30*b >= 3000

40*a+30*b >= 4000

a b
4,170 51 66
3000
4020
PROGRAMACIÓN LINEAL - SOLVER (3.5 pts)