Finanzas

Solucionario
Ejercicios de Rentas y Cuadros de Amortización

Pregunta 1:

R = S/. 5,000 mensuales

n = 20 años
= 240 meses

i = 0.40% mensual

VA = ???
VA = S/. 770,466.51

Pregunta 2:

R = S/. 100 mensuales

n = 4 años
= 48 meses

i = 1.0025% bimestral
i = 0.5000% mensual

VF = ???
VF = S/. 5,409.78
Finanzas
Solucionario
Ejercicios de Rentas y Cuadros de Amortización

Pregunta 3:

VF = $25,000

n = 4 años
= 48 meses

i = 12.6825% anual
i = 1.0000% mensual

R = ??? mensual
R = $408.35 mensual

Pregunta 4:

VA = S/. 100,000

n = 3 años
= 36 meses

i = 18.0000% anual
i = 1.3888% mensual

R = ??? mensual
R = S/. 3,548.68 mensual
Finanzas
Solucionario
Ejercicios de Rentas y Cuadros de Amortización

Pregunta 5:

VA = S/. 100,000
n = 5 años
i = 20.0000% anual

R = ???
R = S/. 33,437.97 anual

Cuotas Uniformes
Periodo Saldo Inicial Amortización Intereses CUOTA Saldo Final
1 S/. 100,000 S/. 13,437.97 S/. 20,000 S/. 33,437.97 S/. 86,562
2 S/. 86,562 S/. 16,125.56 S/. 17,312 S/. 33,437.97 S/. 70,436
3 S/. 70,436 S/. 19,350.68 S/. 14,087 S/. 33,437.97 S/. 51,086
4 S/. 51,086 S/. 23,220.81 S/. 10,217 S/. 33,437.97 S/. 27,865
5 S/. 27,865 S/. 27,864.98 S/. 5,573 S/. 33,437.97 S/. 0

Amortización Constante
Periodo Saldo Inicial Amortización Intereses CUOTA Saldo Final
1 S/. 100,000 S/. 20,000 S/. 20,000 S/. 40,000 S/. 80,000
2 S/. 80,000 S/. 20,000 S/. 16,000 S/. 36,000 S/. 60,000
3 S/. 60,000 S/. 20,000 S/. 12,000 S/. 32,000 S/. 40,000
4 S/. 40,000 S/. 20,000 S/. 8,000 S/. 28,000 S/. 20,000
5 S/. 20,000 S/. 20,000 S/. 4,000 S/. 24,000 S/. 0
Finanzas
Solucionario
Ejercicios de Rentas y Cuadros de Amortización

Pregunta 6:

VA = S/. 50,000

n = 6 años
12 semestres

i = 14.49% anual
7.0000% semestral

R = ???
R = S/. 6,295.10 semestral

Cuotas Uniformes
Periodo Saldo Inicial Amortización Intereses CUOTA Saldo Final
1 S/. 50,000.00 S/. 2,795.10 S/. 3,500.00 S/. 6,295.10 S/. 47,204.90
2 S/. 47,204.90 S/. 2,990.76 S/. 3,304.34 S/. 6,295.10 S/. 44,214.14
3 S/. 44,214.14 S/. 3,200.11 S/. 3,094.99 S/. 6,295.10 S/. 41,014.03
4 S/. 41,014.03 S/. 3,424.12 S/. 2,870.98 S/. 6,295.10 S/. 37,589.92
5 S/. 37,589.92 S/. 3,663.81 S/. 2,631.29 S/. 6,295.10 S/. 33,926.11
6 S/. 33,926.11 S/. 3,920.27 S/. 2,374.83 S/. 6,295.10 S/. 30,005.84
7 S/. 30,005.84 S/. 4,194.69 S/. 2,100.41 S/. 6,295.10 S/. 25,811.15
8 S/. 25,811.15 S/. 4,488.32 S/. 1,806.78 S/. 6,295.10 S/. 21,322.83
9 S/. 21,322.83 S/. 4,802.50 S/. 1,492.60 S/. 6,295.10 S/. 16,520.33
10 S/. 16,520.33 S/. 5,138.68 S/. 1,156.42 S/. 6,295.10 S/. 11,381.65
11 S/. 11,381.65 S/. 5,498.38 S/. 796.72 S/. 6,295.10 S/. 5,883.27
12 S/. 5,883.27 S/. 5,883.27 S/. 411.83 S/. 6,295.10 S/. 0.00
Finanzas
Solucionario
Ejercicios de Rentas y Cuadros de Amortización

Pregunta 7:

VA = S/. 75,000 VA2 = S/. 39,725.18

n = 1 año n= 3 bimestres
6 bimestres

i = 2.0000% mensual i= 15.7625% semestral

4.0400% bimestral 5.0000% bimestral

R = ???
R = S/. 14,325.78 bimestral S/. 14,587.43 semestal

Cuotas Uniformes
Periodo Saldo Inicial Amortización Intereses CUOTA Saldo Final
1 S/. 75,000.00 S/. 11,295.78 S/. 3,030.00 S/. 14,325.78 S/. 63,704.22
2 S/. 63,704.22 S/. 11,752.13 S/. 2,573.65 S/. 14,325.78 S/. 51,952.09
3 S/. 51,952.09 S/. 12,226.91 S/. 2,098.86 S/. 14,325.78 S/. 39,725.18
4 S/. 39,725.18 S/. 12,601.17 S/. 1,986.26 S/. 14,587.43 S/. 27,124.01
5 S/. 27,124.01 S/. 13,231.23 S/. 1,356.20 S/. 14,587.43 S/. 13,892.79
6 S/. 13,892.79 S/. 13,892.79 S/. 694.64 S/. 14,587.43 S/. 0.00
Finanzas
Solucionario
Ejercicios de Rentas y Cuadros de Amortización

Pregunta 8:

VA = S/. 12,000 VA2 = S/. 4,781.91

n = 3 años n= 4 bimestres
6 semestres

i = 21.0000% anual i= 25.4400% anual

10.0000% semestral 12.0000% semestral

R = ???
R = S/. 2,755.29 semestral S/. 1,574.37 semestal

Cuotas Uniformes
Periodo Saldo Inicial Amortización Intereses CUOTA Saldo Final
1 S/. 12,000.00 S/. 1,555.29 S/. 1,200.00 S/. 2,755.29 S/. 10,444.71
2 S/. 10,444.71 S/. 1,710.82 S/. 1,044.47 S/. 2,755.29 S/. 8,733.89
3 S/. 8,733.89 S/. 1,881.90 S/. 873.39 S/. 2,755.29 S/. 6,851.99
4 S/. 6,851.99 S/. 2,070.09 S/. 685.20 S/. 2,755.29 S/. 4,781.91
5 S/. 4,781.91 S/. 1,000.54 S/. 573.83 S/. 1,574.37 S/. 3,781.37
6 S/. 3,781.37 S/. 1,120.60 S/. 453.76 S/. 1,574.37 S/. 2,660.76
7 S/. 2,660.76 S/. 1,255.08 S/. 319.29 S/. 1,574.37 S/. 1,405.69
8 S/. 1,405.69 S/. 1,405.69 S/. 168.68 S/. 1,574.37 S/. 0.00