Documentos de Académico
Documentos de Profesional
Documentos de Cultura
$16,000
$20,000
Primera deuda
C = $20,000 i = 8% = 0.08 t = 3 meses
Fecha focal 1 año = 12 meses
Desarrollo:
12 – 3 = 9 meses
M = C (1 + it)
M = 20,000 (1 + 0.08 (9/12)) = 20,000 (1 + 0.08 (0.75))
M = 20,000 (1.06) = $21,200
Segunda deuda
C = $16,000 i = 0.08 t = 8 meses
Si tomamos la fecha focal de 12 meses
12 – 8 = 4
4/12 = 0.33
Desarrollo
M = 16,000 (1 + 0.08 (0.33) = 16,000 (1.0264)
M = $16,422.4
Deuda = $20,200 + $16,422.4 = $37,622.4
Pago
P1 = x (1 + 0.08 * 6)
2- La empresa XYZ debe cumplir con las obligaciones siguientes: $ 2000, que deben
pagarse dentro de 2 meses: $ 4.000 dentro de 6 meses y $ 8,000 dentro de 10 meses.
El gerente desea liquidar toda la deuda con un pago único dentro de 5 meses
¿Cuánto debe pagar para saldar la deuda a una tasa de interés del 15%?
0 1 2 3 4 5 6 7 8 9 10
Primera deuda
C = $2,000 t = 2 meses i = 15% = 0.15
M = C (1 + it)
M = 2,000 (1 + 0.15 (2/30) = 2,000 (1.01) = 2,020
Segunda deuda
𝑀
C = 1+𝑖𝑡 4,000
=
4,000 = 3,950.617
= 1+(0.15/12)(1) 1.0125
Tercera deuda
8,000 8000
C= 0.15 = = 7,529.41
1+( )(5) 1.0625
12
Deuda
2,020 + 3,950.617 + 7,529.41 = $13,500.027
10,000 15,000 VF
0 1 2 3 4 5 6 7 8 9 10 11 12
Primera obligación
C = 10,000 t = 3 meses i = 0.12
M =10,000(1 + 9 (0.12/12) = 10,000 (1.09) = $10,900
Segunda obligación
C = 15,000 t = 9 meses t = 0.12
M = 15,000 (1+ (0.12/12) (3) = 15,000 (1.03) = $15,450
El acuerdo de pago
C = $8,000 i = 0.12 t=6
M = 8,000 (1 + 6 (0.12/12) = 8,480
Deuda
10,300 + 16,350 = 8,480 + x
26,650 = 8,480 x
X = 26,350 - 8,480 = $17,870
VF
0 1 2 3 4 5 6 7 8 9 10 11 12
Deuda = pago
M = C (1 + ti)
M = 1,000 (1 + 12(0.14/12) = $1,140
X (1 + 9 (0.14/12) + x (1 + 3 (0.14/12) = 1,140
X 1.105 + x 1.035 = 1,140
X 2.14 = 1,140
X = 1,140/2.14 = $532.71