VP ?

Periodo Cuota Intereses

A 50000 0
g 6% 1 $50,000.00 $32,057.26
r 10% 2 $53,000.00 $30,262.99
3 $56,180.00 $27,989.29
4 $59,550.80 $25,170.22
VNA $ 320,572.64 5 $63,123.85 $21,732.16
6 $66,911.28 $17,592.99
7 $70,925.96 $12,661.16
El valor presente es de $320,572,64 8 $75,181.51 $ 6,834.68
 Valor agregado al fondo Saldo
$ 320,572.64
$ 17,942.74 $ 302,629.90
$ 22,737.01 $ 279,892.89
$ 28,190.71 $ 251,702.18
$ 34,380.58 $ 217,321.60
$ 41,391.69 $ 175,929.91
$ 49,318.29 $ 126,611.62
$ 58,264.79 $ 68,346.83
$ 68,346.83 $ -0.00
n 20 Periodo Cuota Intereses
g 4% 0
A 260 1 $ 260.00 $ 247.10
VP 2 $ 270.40 $ 246.33
r 6% 3 $ 281.22 $ 244.88
4 $ 292.46 $ 242.70
5 $ 304.16 $ 239.72
6 $ 316.33 $ 235.85
VNA $ 4,118.37 7 $ 328.98 $ 231.02
8 $ 342.14 $ 225.15
9 $ 355.83 $ 218.13
10 $ 370.06 $ 209.86
11 $ 384.86 $ 200.25
12 $ 400.26 $ 189.17
13 $ 416.27 $ 176.51
14 $ 432.92 $ 162.12
15 $ 450.24 $ 145.88
16 $ 468.25 $ 127.61
17 $ 486.98 $ 107.18
18 $ 506.45 $ 84.39
19 $ 526.71 $ 59.07
20 $ 547.78 $ 31.01
 Valor agregado al fondo Saldo
$ 4,118.37
$ 12.90 $ 4,105.47
$ 24.07 $ 4,081.40
$ 36.33 $ 4,045.06
$ 49.76 $ 3,995.30
$ 64.44 $ 3,930.86
$ 80.48 $ 3,850.38
$ 97.96 $ 3,752.42
$ 117.00 $ 3,635.42
$ 137.70 $ 3,497.72
$ 160.20 $ 3,337.52
$ 184.61 $ 3,152.91
$ 211.08 $ 2,941.83
$ 239.76 $ 2,702.07
$ 270.79 $ 2,431.27
$ 304.36 $ 2,126.91
$ 340.63 $ 1,786.28
$ 379.80 $ 1,406.49
$ 422.06 $ 984.42
$ 467.65 $ 516.77
$ 516.77 $ -0.00
Vp ? Periodo Cuota Intereses
A 30000 0
g 6% 1 $30,000.00 $16,981.13
n 10 2 $31,800.00 $16,200.00
r 6% 3 $33,708.00 $15,264.00
4 $35,730.48 $14,157.36
5 $37,874.31 $12,862.97
VNA $ 283,018.87 6 $40,146.77 $11,362.29
7 $42,555.57 $ 9,635.22
8 $45,108.91 $ 7,660.00
El valor presente es de $283,018,87 9 $47,815.44 $ 5,413.07
10 $50,684.37 $ 2,868.93
 Valor agregado al fondo Saldo
$ 283,018.87
$ 13,018.87 $ 270,000.00
$ 15,600.00 $ 254,400.00
$ 18,444.00 $ 235,956.00
$ 21,573.12 $ 214,382.88
$ 25,011.34 $ 189,371.54
$ 28,784.47 $ 160,587.07
$ 32,920.35 $ 127,666.72
$ 37,448.90 $ 90,217.82
$ 42,402.37 $ 47,815.44
$ 47,815.44 $ -0.00
Vp 170000 La tasa de retorno fue del 11%
vf 813000
n 15 Periodo Cuota Intereses
a 0 0
r 11% 1 $ - $ 18,694.12
2 $ - $ 20,749.82
3 $ - $ 23,031.59
4 $ - $ 25,564.26
5 $ - $ 28,375.45
6 $ - $ 31,495.77
7 $ - $ 34,959.21
8 $ - $ 38,803.52
9 $ - $ 43,070.56
10 $ - $ 47,806.83
11 $ - $ 53,063.93
12 $ - $ 58,899.12
13 $ - $ 65,375.99
14 $ - $ 72,565.09
15 $ - $ 80,544.74
 Valor agregado al fondo Saldo
$ 170,000.00
$ -18,694.12 $ 188,694.12
$ -20,749.82 $ 209,443.94
$ -23,031.59 $ 232,475.53
$ -25,564.26 $ 258,039.79
$ -28,375.45 $ 286,415.24
$ -31,495.77 $ 317,911.01
$ -34,959.21 $ 352,870.22
$ -38,803.52 $ 391,673.74
$ -43,070.56 $ 434,744.30
$ -47,806.83 $ 482,551.13
$ -53,063.93 $ 535,615.06
$ -58,899.12 $ 594,514.18
$ -65,375.99 $ 659,890.18
$ -72,565.09 $ 732,455.26
$ -80,544.74 $ 813,000.00
Vp 800000 Periodo
A 250000 0
n 5 1
r 16.99% 2
3
4
La tasa de interes del prestamo fue de 16,99% 5
 Cuota Intereses Valor agregado al fondo Saldo
$ 800,000.00
$ 250,000.00 $ 135,928.88 $ 114,071.12 $ 685,928.88
$ 250,000.00 $ 116,546.93 $ 133,453.07 $ 552,475.82
$ 250,000.00 $ 93,871.78 $ 156,128.22 $ 396,347.59
$ 250,000.00 $ 67,343.86 $ 182,656.14 $ 213,691.45
$ 250,000.00 $ 36,308.55 $ 213,691.45 $ -0.00
A 24000 Periodo Cuota
n 3 0
Vf 87360 1 $ 24,000.00
r 20% 2 $ 24,000.00
3 $ 24,000.00
La tasa de retorno que obtendra es de 20%
 Intereses Valor agregado al fondo Saldo
$ -
$ - $ 24,000.00 $ -24,000.00
$ -4,800.00 $ 28,800.00 $ -52,800.00
$ -10,560.00 $ 34,560.00 $ -87,360.00
 Periodo
Vp $ 600,000.00 0
A $ 80,000.00 1
r 15% 2
n -5.39 3
4
5
Requiere 5 años para comprar el equipo

Periodo
0
1
2
3
4
5
6
 Cuota/Deposito Intereses Valor agregado al fondo Saldo
$ 600,000.00
$ 80,000.00 $ 90,000.00 $ -10,000.00 $ 610,000.00
$ 80,000.00 $ 91,500.00 $ -11,500.00 $ 621,500.00
$ 80,000.00 $ 93,225.00 $ -13,225.00 $ 634,725.00
$ 80,000.00 $ 95,208.75 $ -15,208.75 $ 649,933.75
$ 552,443.69 $ 97,490.06 $ 649,933.75 $ -

Cuota/Deposito Intereses Valor agregado al fondo Saldo

$ -
$ 80,000.00 $ - $ 80,000.00 $ -80,000.00
$ 80,000.00 $ -12,000.00 $ 92,000.00 $ -172,000.00
$ 80,000.00 $ -25,800.00 $ 105,800.00 $ -277,800.00
$ 80,000.00 $ -41,670.00 $ 121,670.00 $ -399,470.00
$ 80,000.00 $ -59,920.50 $ 139,920.50 $ -539,390.50
$ -458,481.93 $ -80,908.58 $ -539,390.50 $ -
VP $ 1,600,000.00 55% 880000
Vp2 $ 720,000.00
r 9%
n -6.94
Periodo Cuota/Deposito Intereses
0
1 $ - $ 79,200.00
2 $ - $ 86,328.00
3 $ - $ 94,097.52
4 $ - $ 102,566.30
5 $ - $ 111,797.26
6 $ - $ 121,859.02
7 $ - $ 132,826.33
 Valor agregado al fondo
$ -79,200.00
$ -86,328.00
$ -94,097.52
$ -102,566.30
$ -111,797.26
$ 121,859.02
$ 132,826.33
Saldo
$ 880,000.00
$ 959,200.00
$ 1,045,528.00
$ 1,139,625.52
$ 1,242,191.82
$ 1,353,989.08
$ 1,475,848.10
$ 1,608,674.43
Capital inicial 350000
r 4%
A1 $ 15,000.00
A2 36700
G 21700
n
Periodo Cuota/Deposito Intereses
0
1 $ 15,000.00 $ 14,000.00
2 $ 36,700.00 $ 13,960.00
3 $ 58,400.00 $ 13,050.40
4 $ 80,100.00 $ 11,236.42
5 $ 101,800.00 $ 8,481.87
6 $ 123,477.84 $ 4,749.15
 Valor agregado al fondo Saldo
$ 350,000.00
$ 1,000.00 $ 349,000.00
$ 22,740.00 $ 326,260.00
$ 45,349.60 $ 280,910.40
$ 68,863.58 $ 212,046.82
$ 93,318.13 $ 118,728.69
$ 118,728.69 $ -
 Periodo Cuota/Deposito
Vf 30000 0
A 4200 1 $ 4,200.00
r 8% 2 $ 4,200.00
n -11.01 3 $ 4,200.00
4 $ 4,200.00
5 $ 4,200.00
6 $ 4,200.00
7 $ 4,200.00
8 $ 4,200.00
9 $ 4,200.00
10 $ 4,200.00
11 $ 4,200.00
12 $ 151,049.03
 Intereses Valor agregado al fondo Saldo
$ 30,000.00
$ 2,400.00 $ 6,600.00 $ 36,600.00
$ 2,928.00 $ 7,128.00 $ 43,728.00
$ 3,498.24 $ 7,698.24 $ 51,426.24
$ 4,114.10 $ 8,314.10 $ 59,740.34
$ 4,779.23 $ 8,979.23 $ 68,719.57
$ 5,497.57 $ 9,697.57 $ 78,417.13
$ 6,273.37 $ 10,473.37 $ 88,890.50
$ 7,111.24 $ 11,311.24 $ 100,201.74
$ 8,016.14 $ 12,216.14 $ 112,417.88
$ 8,993.43 $ 13,193.43 $ 125,611.31
$10,048.90 $ 14,248.90 $ 139,860.22
$11,188.82 $ 139,860.22 $ -
A 90000 Periodo Cuota/Deposito
r 10% 0
VNA $ 553,011.04 1 $ 90,000.00
2 $ 90,000.00
3 $ 90,000.00
Opcion d 4 $ 90,000.00
5 $ 90,000.00
El valor presente del mantenimiento es $553,011,04 6 $ 90,000.00
7 $ 90,000.00
8 $ 90,000.00
9 $ 90,000.00
10 $ 90,000.00
 Intereses Valor agregado al fondo Saldo
$ 553,011.04
$55,301.10 $ 34,698.90 $ 518,312.14
$51,831.21 $ 38,168.79 $ 480,143.36
$48,014.34 $ 41,985.66 $ 438,157.69
$43,815.77 $ 46,184.23 $ 391,973.46
$39,197.35 $ 50,802.65 $ 341,170.81
$34,117.08 $ 55,882.92 $ 285,287.89
$28,528.79 $ 61,471.21 $ 223,816.68
$22,381.67 $ 67,618.33 $ 156,198.35
$15,619.83 $ 74,380.17 $ 81,818.18
$ 8,181.82 $ 81,818.18 $ -0.00
VP 100000 Los pagos anuales seran de $20 540.55 durante siete años.
r 10% Opcion b
n 7
A $ 20,540.55

Periodo Cuota/Deposito Intereses Valor agregado al fondo Saldo

0 $ 100,000.00
1 $ 20,540.55 $ 10,000.00 $ 10,540.55 $ 89,459.45
2 $ 20,540.55 $ 8,945.95 $ 11,594.60 $ 77,864.85
3 $ 20,540.55 $ 7,786.48 $ 12,754.07 $ 65,110.78
4 $ 20,540.55 $ 6,511.08 $ 14,029.47 $ 51,081.31
5 $ 20,540.55 $ 5,108.13 $ 15,432.42 $ 35,648.89
6 $ 20,540.55 $ 3,564.89 $ 16,975.66 $ 18,673.23
7 $ 20,540.55 $ 1,867.32 $ 18,673.23 $ -
5 durante siete años.
Vf $ 1,500,000.00 Para lograr su meta debe invertit $26 189,44 ca
n 20 Opcion a
r 10%
A $ 26,189.44

Periodo Cuota/Deposito Intereses Valor agregado al fondo

0
1 $ 26,189.44 $ - $ 26,189.44
2 $ 26,189.44 $ -2,618.94 $ 28,808.38
3 $ 26,189.44 $ -5,499.78 $ 31,689.22
4 $ 26,189.44 $ -8,668.70 $ 34,858.14
5 $ 26,189.44 $ -12,154.52 $ 38,343.95
6 $ 26,189.44 $ -15,988.91 $ 42,178.35
7 $ 26,189.44 $ -20,206.75 $ 46,396.19
8 $ 26,189.44 $ -24,846.37 $ 51,035.80
9 $ 26,189.44 $ -29,949.95 $ 56,139.38
10 $ 26,189.44 $ -35,563.89 $ 61,753.32
11 $ 26,189.44 $ -41,739.22 $ 67,928.66
12 $ 26,189.44 $ -48,532.08 $ 74,721.52
13 $ 26,189.44 $ -56,004.24 $ 82,193.67
14 $ 26,189.44 $ -64,223.60 $ 90,413.04
15 $ 26,189.44 $ -73,264.91 $ 99,454.34
16 $ 26,189.44 $ -83,210.34 $ 109,399.78
17 $ 26,189.44 $ -94,150.32 $ 120,339.76
18 $ 26,189.44 $ -106,184.29 $ 132,373.73
19 $ 26,189.44 $ -119,421.67 $ 145,611.11
20 $ 26,189.44 $ -133,982.78 $ 160,172.22
be invertit $26 189,44 cada año.

Saldo
$ -
$ -26,189.44
$ -54,997.82
$ -86,687.04
$ -121,545.18
$ -159,889.13
$ -202,067.48
$ -248,463.67
$ -299,499.47
$ -355,638.86
$ -417,392.18
$ -485,320.84
$ -560,042.36
$ -642,236.03
$ -732,649.07
$ -832,103.41
$ -941,503.19
$ -1,061,842.95
$ -1,194,216.68
$ -1,339,827.78
$ -1,500,000.00
Vp 75000 Periodo
A 20000 0
r 10% 1
n -3.34 2
3

En tres años podra recuperar la inversion inicial

Cuota/Deposito Intereses Valor agregado al fondo Saldo
$ 75,000.00
$ 20,000.00 $ 7,500.00 $ 12,500.00 $ 62,500.00
$ 75,000.00 $ 6,250.00 $ 68,750.00 $ -6,250.00
$ -6,875.00 $ -625.00 $ -6,250.00 $ -
vf 650000 Periodo
A 50000 0
r 6% 1
n 9.90 2
3
4
El numero de años requeridos para
acumular dicha cantidad son 10 años 5
6
7
8
9
10
Cuota/Deposito Intereses Valor agregado al fondo Saldo
$ -
$ 50,000.00 $ - $ 50,000.00 $ 50,000.00
$ 50,000.00 $ 3,000.00 $ 53,000.00 $ 103,000.00
$ 50,000.00 $ 6,180.00 $ 56,180.00 $ 159,180.00
$ 50,000.00 $ 9,550.80 $ 59,550.80 $ 218,730.80
$ 50,000.00 $13,123.85 $ 63,123.85 $ 281,854.65
$ 50,000.00 $16,911.28 $ 66,911.28 $ 348,765.93
$ 50,000.00 $20,925.96 $ 70,925.96 $ 419,691.88
$ 50,000.00 $25,181.51 $ 75,181.51 $ 494,873.40
$ 50,000.00 $29,692.40 $ 79,692.40 $ 574,565.80
$ 50,000.00 $34,473.95 $ 84,473.95 $ 659,039.75
n 5 Periodo Cuota/Deposito
A 26000 0
G 2000 1 $ 26,000.00
Vp ? 2 $ 28,000.00
r 10% 3 $ 30,000.00
4 $ 32,000.00
VNA $ 112,284.06 5 $ 34,000.00
 Intereses Valor agregado al fondo Saldo
$ 112,284.06
$11,228.41 $ 14,771.59 $ 97,512.46
$ 9,751.25 $ 18,248.75 $ 79,263.71
$ 7,926.37 $ 22,073.63 $ 57,190.08
$ 5,719.01 $ 26,280.99 $ 30,909.09
$ 3,090.91 $ 30,909.09 $ -
A1 5000 Periodo Cuota/Deposito
A2 6000 0
G 1000 1 $ 5,000.00
n 20 2 $ 6,000.00
r 10% 3 $ 7,000.00
Vf ? 4 $ 8,000.00
5 $ 9,000.00
El valor que tendra al final del periodo 20 sera de $659 124,99 6 $10,000.00
Opcion d 7 $11,000.00
8 $12,000.00
9 $13,000.00
10 $14,000.00
11 $15,000.00
12 $16,000.00
13 $17,000.00
14 $18,000.00
15 $19,000.00
16 $20,000.00
17 $21,000.00
18 $22,000.00
19 $23,000.00
20 $24,000.00
 Intereses Valor agregado al fondo Saldo
$ -
$ - $ 5,000.00 $ 5,000.00
$ 500.00 $ 6,500.00 $ 11,500.00
$ 1,150.00 $ 8,150.00 $ 19,650.00
$ 1,965.00 $ 9,965.00 $ 29,615.00
$ 2,961.50 $ 11,961.50 $ 41,576.50
$ 4,157.65 $ 14,157.65 $ 55,734.15
$ 5,573.42 $ 16,573.42 $ 72,307.57
$ 7,230.76 $ 19,230.76 $ 91,538.32
$ 9,153.83 $ 22,153.83 $ 113,692.15
$11,369.22 $ 25,369.22 $ 139,061.37
$13,906.14 $ 28,906.14 $ 167,967.51
$16,796.75 $ 32,796.75 $ 200,764.26
$20,076.43 $ 37,076.43 $ 237,840.68
$23,784.07 $ 41,784.07 $ 279,624.75
$27,962.48 $ 46,962.48 $ 326,587.23
$32,658.72 $ 52,658.72 $ 379,245.95
$37,924.59 $ 58,924.59 $ 438,170.54
$43,817.05 $ 65,817.05 $ 503,987.60
$50,398.76 $ 73,398.76 $ 577,386.36
$57,738.64 $ 81,738.64 $ 659,124.99
A1 5000 Periodo Cuota/Deposito
A2 5150 0
g 3% 1 $ 5,000.00
n 20 2 $ 5,150.00
Vf ? 3 $ 5,304.50
r 10% 4 $ 5,463.64
5 $ 5,627.54
6 $ 5,796.37
La cantidad que tendra al final del periodo 20 sera $351.527,77 7 $ 5,970.26
Opcion c 8 $ 6,149.37
9 $ 6,333.85
10 $ 6,523.87
11 $ 6,719.58
12 $ 6,921.17
13 $ 7,128.80
14 $ 7,342.67
15 $ 7,562.95
16 $ 7,789.84
17 $ 8,023.53
18 $ 8,264.24
19 $ 8,512.17
20 $ 8,767.53
 Intereses Valor agregado al fondo Saldo
$ -
$ - $ 5,000.00 $ 5,000.00
$ 500.00 $ 5,650.00 $ 10,650.00
$ 1,065.00 $ 6,369.50 $ 17,019.50
$ 1,701.95 $ 7,165.59 $ 24,185.09
$ 2,418.51 $ 8,046.05 $ 32,231.14
$ 3,223.11 $ 9,019.48 $ 41,250.62
$ 4,125.06 $ 10,095.32 $ 51,345.95
$ 5,134.59 $ 11,283.96 $ 62,629.91
$ 6,262.99 $ 12,596.84 $ 75,226.75
$ 7,522.68 $ 14,046.54 $ 89,273.29
$ 8,927.33 $ 15,646.91 $ 104,920.20
$10,492.02 $ 17,413.19 $ 122,333.39
$12,233.34 $ 19,362.14 $ 141,695.54
$14,169.55 $ 21,512.22 $ 163,207.76
$16,320.78 $ 23,883.72 $ 187,091.48
$18,709.15 $ 26,498.99 $ 213,590.47
$21,359.05 $ 29,382.58 $ 242,973.05
$24,297.30 $ 32,561.54 $ 275,534.59
$27,553.46 $ 36,065.62 $ 311,600.21
$31,160.02 $ 39,927.55 $ 351,527.77