CORRECCION DEL EXAMEN PARCIAL

A)
SIMPLE
P= 1,750,000
TEA= 9.50%
n= 10 años

I= 1,662,500.00 =C16*C17*C18

COMPUESTO
P= 1,750,000.00
TET= 2.1% TEA=
n= 4 años

S= 2,440,337.66 =C24*(1+G25)^C26

I= 690,337.66 =C28-C24

B)
La empresa debe tomar el prestamo dentro de 1 año, por que asi pagara menos interes
AL

8.67% =(1+C25)^(12/3)-1
 1 2 3 4
LETRAS 4,000.00 7,500.00 9,000.00 11,000.00
DIAS 30 45 60 90
MESES 1 1.5 2 3
D= S/ 68.21 S/ 191.03 S/ 304.35 S/ 553.23

TEB 3.50%
TEM 1.73%

P= 3,931.79 7,308.97 8,695.65 10,446.77

 5 6
12,500.00 14,500.00
120 150
4 5
S/ 831.12 S/ 1,194.93

11,668.88 13,305.07
P= 450,000.00
R= 82,000.00
n= 8 MESES

TEM= 12.53% =RATE(C8,-C7,C6,,1,1)

TEM= 12.53% =B14-((B13-C13)*(B14-D14))/(B13-D13)

450,368.67 450,000.00 449,214.32

12.50% TEM% 12.60%

INTERES A PAGAR 12.53%

S S/ 7,000.00
TET 8%
TEM 2.60% =(1+C8)^(30/90)-1

S/ 155.95 S/ 160.00 S/ 164.16 S/ 168.42 S/ 172.80

MESES 6 5 4 3 2
DIAS 180 150 120 90 60

RESPUESTA: 1ER MES S/ 177.29 =$C$7*$C$9*(1+$C$9)^-H$12

5TO MES S/ 160.00 =$C$7*$C$9*(1+$C$9)^-D$12
S/ 177.29
1 0
30 0
R= 500.00
n= 12
TEM= 3%

P= 40% 5,126.31

P= 60% 8,543.85 PAGO EQUIVALENTE

Préstamo S/. 35,000.00

Plazo( Meses) 48 Plazo (Trimestre) 16

TES= 4% TET= 1.98%

Periodo Gracia Periodo gracia

18 6
(Meses) (Trimestre)

SISTEMA FRANCES
Periodo Saldo Interés Amortización Cuota
0 S/. 35,000.00 S/. 0.00 S/. 0.00 S/. 0.00
1 S/. 35,693.14 S/. 0.00 S/. 0.00 S/. 0.00
2 S/. 36,400.00 S/. 0.00 S/. 0.00 S/. 0.00
3 S/. 37,120.86 S/. 0.00 S/. 0.00 S/. 0.00
4 S/. 37,856.00 S/. 0.00 S/. 0.00 S/. 0.00
5 S/. 38,605.70 S/. 0.00 S/. 0.00 S/. 0.00
6 S/. 39,370.24 S/. 0.00 S/. 0.00 S/. 0.00
7 S/. 35,771.47 S/. 779.68 S/. 3,598.77 S/. 4,378.46
8 S/. 32,101.43 S/. 708.41 S/. 3,670.04 S/. 4,378.46
9 S/. 28,358.70 S/. 635.73 S/. 3,742.72 S/. 4,378.46
10 S/. 24,541.86 S/. 561.61 S/. 3,816.84 S/. 4,378.46
11 S/. 20,649.43 S/. 486.02 S/. 3,892.43 S/. 4,378.46
12 S/. 16,679.91 S/. 408.94 S/. 3,969.52 S/. 4,378.46
13 S/. 12,631.78 S/. 330.33 S/. 4,048.13 S/. 4,378.46
14 S/. 8,503.48 S/. 250.16 S/. 4,128.30 S/. 4,378.46
15 S/. 4,293.43 S/. 168.40 S/. 4,210.05 S/. 4,378.46
16 S/. 0.00 S/. 85.03 S/. 4,293.43 S/. 4,378.46
Total= S/. 4,414.32 S/. 39,370.24 S/. 43,784.56
S/. 43,784.56
Préstamo S/. 35,000.00

Plazo( Meses) 48 Plazo (Trimestre) 16

TES= 4% TET= 1.98%

Periodo Gracia Periodo gracia

18 6
(Meses) (Trimestre)

SISTEMA ALEMAN
Periodo Saldo Interés Amortización Cuota
0 S/. 35,000.00 S/. 0.00 S/. 0.00 S/. 0.00
1 S/. 35,693.14 S/. 0.00 S/. 0.00 S/. 0.00
2 S/. 36,400.00 S/. 0.00 S/. 0.00 S/. 0.00
3 S/. 37,120.86 S/. 0.00 S/. 0.00 S/. 0.00
4 S/. 37,856.00 S/. 0.00 S/. 0.00 S/. 0.00
5 S/. 38,605.70 S/. 0.00 S/. 0.00 S/. 0.00
6 S/. 39,370.24 S/. 0.00 S/. 0.00 S/. 0.00
7 S/. 35,433.22 S/. 779.68 S/. 3,937.02 S/. 4,716.71
8 S/. 31,496.19 S/. 701.72 S/. 3,937.02 S/. 4,638.74
9 S/. 27,559.17 S/. 623.75 S/. 3,937.02 S/. 4,560.77
10 S/. 23,622.14 S/. 545.78 S/. 3,937.02 S/. 4,482.80
11 S/. 19,685.12 S/. 467.81 S/. 3,937.02 S/. 4,404.83
12 S/. 15,748.10 S/. 389.84 S/. 3,937.02 S/. 4,326.87
13 S/. 11,811.07 S/. 311.87 S/. 3,937.02 S/. 4,248.90
14 S/. 7,874.05 S/. 233.91 S/. 3,937.02 S/. 4,170.93
15 S/. 3,937.02 S/. 155.94 S/. 3,937.02 S/. 4,092.96
16 S/. 0.00 S/. 77.97 S/. 3,937.02 S/. 4,014.99
Total= S/. 4,288.26 S/. 39,370.24 S/. 43,658.50
S/. 43,658.50
Préstamo S/. 35,000.00

Plazo( Meses) 48 Plazo (Trimestre) 16

TES= 4% TET= 1.98%

Periodo Gracia Periodo gracia

18 6
(Meses) (Trimestre)

SISTEMA AMERICANO
Periodo Saldo Interés Amortización Cuota
0 S/. 35,000.00 S/. 0.00 S/. 0.00 S/. 0.00
1 S/. 35,693.14 S/. 0.00 S/. 0.00 S/. 0.00
2 S/. 36,400.00 S/. 0.00 S/. 0.00 S/. 0.00
3 S/. 37,120.86 S/. 0.00 S/. 0.00 S/. 0.00
4 S/. 37,856.00 S/. 0.00 S/. 0.00 S/. 0.00
5 S/. 38,605.70 S/. 0.00 S/. 0.00 S/. 0.00
6 S/. 39,370.24 S/. 0.00 S/. 0.00 S/. 0.00
7 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
8 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
9 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
10 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
11 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
12 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
13 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
14 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
15 S/. 39,370.24 S/. 779.68 S/. 0.00 S/. 779.68
16 S/. 0.00 S/. 779.68 S/. 39,370.24 S/. 40,149.92
Total= S/. 7,796.84 S/. 39,370.24 S/. 47,167.08
S/. 47,167.08