NOMBRE DEL ALUMNO NOE DAVID GONZALES ARIRAMA

NOMBRE DEL DOCENTE DANTE JAVIER RODRIGUEZ

NOMBRE DEL CURSO MATEMATICA FINANCIERA

Escala de calificación
Preg. Criterios CORRECTA Y
COMPLETA

1 CRONOGRAMA 1 3

2 CRONOGRAMA 2 3

3 CRONOGRAMA 3 4

4 CRONOGRAMA 4 4

5 CRONOGRAMA 5 6

TOTAL 20
D GONZALES ARIRAMA
VIER RODRIGUEZ
TICA FINANCIERA

Escala de calificación
INCOMPLETO NO RESPONDE

1.5 0

1.5 0

2 0

2 0

3 0

10 0
 CUOTAS CONSTANTES O FIJAS
-. PREGUNTA 1
Una empresa obtiene un préstamo de una entidad financiera por S/. 100,000 para ser cancelado en 12 cuotas
:Se pide
a. El importe del pago mensual y
.b. Elaborar el cronograma
APLICAR EXCEL FINANCIERO
Préstamo 100,000.00
Moneda Nuevos soles
Número de cuotas 12
Periodo de pago bimestral
TEA 27.00%
TEB 4.0640%
Cuota 10,694.84

= 4.0640%
38.00%

FRC= 10.69%
CUOTA= 10,694.84
EXCEL FINANCIERO
Periodo Amortización Interés Cuota Saldo
0 100,000.00
1 S/.6,630.81 S/.4,064.03 S/.10,694.84 93,369.19
2 S/.6,900.29 S/.3,794.55 S/.10,694.84 86,468.90
3 S/.7,180.72 S/.3,514.12 S/.10,694.84 79,288.18
4 S/.7,472.55 S/.3,222.29 S/.10,694.84 71,815.63
5 S/.7,776.23 S/.2,918.61 S/.10,694.84 64,039.40
6 S/.8,092.26 S/.2,602.58 S/.10,694.84 55,947.14
7 S/.8,421.13 S/.2,273.71 S/.10,694.84 47,526.00
8 S/.8,763.37 S/.1,931.47 S/.10,694.84 38,762.64
9 S/.9,119.51 S/.1,575.32 S/.10,694.84 29,643.12
10 S/.9,490.13 S/.1,204.70 S/.10,694.84 20,152.99
11 S/.9,875.82 S/.819.02 S/.10,694.84 10,277.17
12 S/.10,277.17 S/.417.67 S/.10,694.84 - 0.00
Totales 100,000.00 28,338.05 128,338.05
ONSTANTES O FIJAS

ara ser cancelado en 12 cuotas bimestrales con el método cuotas constantes a una TEA del 27% .
 CUOTAS CONSTANTES O FIJAS
-. PREGUNTA 2
Una empresa obtiene un préstamo de una entidad financiera por S/. 150,000 para ser cancelado en 12 cuo
:capitalización diaria . Se pide
a. El importe del pago mensual y
.b. Elaborar el cronograma
APLICAR EXCEL FINANCIERO

Préstamo 150,000.00
Moneda Nuevos soles
Número de cuotas 12
Periodo de pago bimestral
TEA 30.98% TNA
TEB 4.6010%
Cuota 16,545.13

= 4.6010%
41.71%

FRC= 11.03%
CUOTA= 16,545.13
EXCEL FINANCIERO
Periodo Amortización Interés Cuota
0
1 S/.9,643.60 S/.6,901.53 S/.16,545.13
2 S/.10,087.30 S/.6,457.83 S/.16,545.13
3 S/.10,551.42 S/.5,993.71 S/.16,545.13
4 S/.11,036.89 S/.5,508.24 S/.16,545.13
5 S/.11,544.70 S/.5,000.43 S/.16,545.13
6 S/.12,075.88 S/.4,469.25 S/.16,545.13
7 S/.12,631.49 S/.3,913.64 S/.16,545.13
8 S/.13,212.67 S/.3,332.46 S/.16,545.13
9 S/.13,820.59 S/.2,724.54 S/.16,545.13
10 S/.14,456.47 S/.2,088.66 S/.16,545.13
11 S/.15,121.62 S/.1,423.51 S/.16,545.13
12 S/.15,817.37 S/.727.76 S/.16,545.13
Totales 150,000.00 48,541.55 198,541.55
 CUOTAS CONSTANTES O FIJAS

50,000 para ser cancelado en 12 cuotas bimestrales con el método cuotas constantes a una TNA del 27% con

27%

Saldo
150,000.00
140,356.40
130,269.10
119,717.68
108,680.79
97,136.09
85,060.21
72,428.72
59,216.05
45,395.46
30,938.99
15,817.37
-
del 27% con
 MÉTODO FRANCÉS CON PERÍODO DE GRAC
-.PREGUNTA 3
Una empresa obtiene un préstamo de una entidad financiera por S/. 150,000 para ser cancelado en 24 bimestr
:gracia parcial (no paga amortización pero sí paga intereses). Se pide
a. El importe del pago mensual y
.b. Elaborar el cronograma

APLICAR EXCEL FINANCIERO

Préstamo S/.150,000 TEA 37.0000%

Número de bimestres 24 TEB 5.387%
Períodos de gracia parcial 3 Cuota S/. 12,101.11

= 5.3869%
66.7740%

FRC= 8.0674%
CUOTA= FRC X PRÉSTAMO
CUOTA= 12,101.11

Amortización Interés Cuota =

Periodo Saldo
=PAGOPRIN() =PAGOINT() PAGO()
0 S/.150,000
1 S/8,080.40 8,080.40 150,000.00
2 S/8,080.40 8,080.40 150,000.00
3 S/8,080.40 8,080.40 150,000.00
1 4,020.72 8,080.40 12,101.11 145,979.28
2 4,237.31 7,863.80 12,101.11 141,741.98
3 4,465.57 7,635.54 12,101.11 137,276.41
4 4,706.13 7,394.99 12,101.11 132,570.28
5 4,959.64 7,141.47 12,101.11 127,610.64
6 5,226.82 6,874.30 12,101.11 122,383.82
7 5,508.38 6,592.73 12,101.11 116,875.44
8 5,805.11 6,296.00 12,101.11 111,070.33
9 6,117.83 5,983.28 12,101.11 104,952.50
10 6,447.39 5,653.72 12,101.11 98,505.10
11 6,794.71 5,306.40 12,101.11 91,710.39
12 7,160.74 4,940.38 12,101.11 84,549.66
13 7,546.48 4,554.63 12,101.11 77,003.18
14 7,953.00 4,148.11 12,101.11 69,050.17
15 8,381.43 3,719.69 12,101.11 60,668.74
16 8,832.93 3,268.18 12,101.11 51,835.81
17 9,308.75 2,792.36 12,101.11 42,527.06
18 9,810.21 2,290.90 12,101.11 32,716.85
19 10,338.68 1,762.43 12,101.11 22,378.17
20 10,895.62 1,205.50 12,101.11 11,482.56
 21 11,482.56 618.56 12,101.11 0.00
Totales 150,000.00 128,364.57 278,364.57
ANCÉS CON PERÍODO DE GRACIA PARCIAL

para ser cancelado en 24 bimestres con el método cuotas constantes a una TEA del 37% con 3 períodos de
ríodos de
 MÉTODO FRANCÉS CON PERÍODO DE GRACIA TOT
-.PREGUNTA 4
Una empresa obtiene un préstamo de una entidad financiera por S/. 200,000 para ser cancelado en 72 mese
:27% con 12 periodos de gracia total (no paga amortización ni intereses). Se pide
a. El importe del pago mensual y
.b. Elaborar el cronograma
APLICAR EXCEL FINANCIERO
VALOR FUTURO= ¿?

Préstamo 200,000
Moneda soles VALOR FUTURO= S/.254,000.00
Número de meses 72 6.00
TEA 27.0000%
60.00

Amortización Interés Cuota =

Periodo Saldo
=PAGOPRIN() =PAGOINT() PAGO()
0 200,000.00
1 4,023.55 204,023.55
2 4,104.50 208,128.05
3 4,187.07 212,315.12
4 4,271.31 216,586.43
5 4,357.23 220,943.66
6 4,444.89 225,388.55
7 4,534.31 229,922.87
8 4,625.53 234,548.40
9 4,718.59 239,266.99
10 4,813.52 244,080.51
11 4,910.35 248,990.86
12 5,009.14 254,000.00
13 1 2,218.00 5,109.91 7,327.91 251782.00
14 2 2,262.62 5,065.29 7,327.91 249519.38
15 3 2,308.14 5,019.77 7,327.91 247211.24
16 4 2,354.58 4,973.34 7,327.91 244856.66
17 5 2,401.94 4,925.97 7,327.91 242454.72
18 6 2,450.27 4,877.65 7,327.91 240004.45
19 7 2,499.56 4,828.35 7,327.91 237504.89
20 8 2,549.85 4,778.07 7,327.91 234955.05
21 9 2,601.14 4,726.77 7,327.91 232353.90
22 10 2,653.47 4,674.44 7,327.91 229700.43
23 11 2,706.85 4,621.06 7,327.91 226993.58
24 12 2,761.31 4,566.60 7,327.91 224232.27
25 13 2,816.86 4,511.05 7,327.91 221415.41
26 14 2,873.53 4,454.38 7,327.91 218541.88
27 15 2,931.34 4,396.57 7,327.91 215610.54
28 16 2,990.31 4,337.60 7,327.91 212620.23
29 17 3,050.47 4,277.44 7,327.91 209569.76
30 18 3,111.84 4,216.07 7,327.91 206457.92
31 19 3,174.44 4,153.47 7,327.91 203283.48
32 20 3,238.30 4,089.61 7,327.91 200045.18
33 21 3,303.45 4,024.46 7,327.91 196741.73
34 22 3,369.91 3,958.00 7,327.91 193371.82
35 23 3,437.70 3,890.21 7,327.91 189934.11
36 24 3,506.86 3,821.05 7,327.91 186427.25
37 25 3,577.41 3,750.50 7,327.91 182849.84
38 26 3,649.38 3,678.53 7,327.91 179200.45
39 27 3,722.80 3,605.11 7,327.91 175477.65
40 28 3,797.69 3,530.22 7,327.91 171679.96
41 29 3,874.10 3,453.82 7,327.91 167805.86
42 30 3,952.03 3,375.88 7,327.91 163853.83
43 31 4,031.54 3,296.37 7,327.91 159822.29
44 32 4,112.65 3,215.27 7,327.91 155709.64
45 33 4,195.38 3,132.53 7,327.91 151514.26
46 34 4,279.78 3,048.13 7,327.91 147234.47
47 35 4,365.88 2,962.03 7,327.91 142868.59
48 36 4,453.72 2,874.20 7,327.91 138414.87
49 37 4,543.31 2,784.60 7,327.91 133871.56
50 38 4,634.72 2,693.20 7,327.91 129236.84
51 39 4,727.96 2,599.96 7,327.91 124508.89
52 40 4,823.07 2,504.84 7,327.91 119685.81
53 41 4,920.10 2,407.81 7,327.91 114765.71
54 42 5,019.08 2,308.83 7,327.91 109746.63
55 43 5,120.06 2,207.86 7,327.91 104626.57
56 44 5,223.06 2,104.85 7,327.91 99403.51
57 45 5,328.14 1,999.78 7,327.91 94075.38
58 46 5,435.33 1,892.59 7,327.91 88640.05
59 47 5,544.67 1,783.24 7,327.91 83095.38
60 48 5,656.22 1,671.69 7,327.91 77439.16
61 49 5,770.01 1,557.90 7,327.91 71669.15
62 50 5,886.09 1,441.82 7,327.91 65783.06
63 51 6,004.50 1,323.41 7,327.91 59778.55
64 52 6,125.30 1,202.61 7,327.91 53653.25
65 53 6,248.53 1,079.38 7,327.91 47404.72
66 54 6,374.24 953.68 7,327.91 41030.49
67 55 6,502.47 825.44 7,327.91 34528.02
68 56 6,633.29 694.63 7,327.91 27894.73
69 57 6,766.73 561.18 7,327.91 21128.00
70 58 6,902.86 425.05 7,327.91 14225.13
71 59 7,041.73 286.18 7,327.91 7183.40
72 60 7,183.40 144.51 7,327.91 0.00
Totales 254,000.00 185,674.76 439,674.76
N PERÍODO DE GRACIA TOTAL

ara ser cancelado en 72 meses con el método cuotas constantes a una TEA del
de

Cuota $7,327.91
Periodo de pago mensual
Periodo de gracia total 12
TEM 2.0118%
 MÉTODO FRANCÉS CON PERÍODO DE GR
-.PREGUNTA 5
Una empresa obtiene un préstamo de una entidad financiera por S/. 1,200,000 para ser cancelado en 72 mes
:luego de haber cancelado 12 cuotas el banco, por orden del Estado, le otorga 6 periodos de gracia total (no p
a. El importe del pago mensual y
.b. Elaborar el cronograma

APLICAR EXCEL FINANCIERO

VALOR FUTURO= ¿?

Préstamo 1,200,000.00
Moneda soles VALOR FUTURO= S/.1,373,374.65
Número de meses 72 60
TEA 30.98%
TNA 27% 54.00

Amortización Interés Cuota =

Periodo Saldo
=PAGOPRIN() =PAGOINT() PAGO()
0 1,200,000.00
1 6,739.64 27,295.69 34,035.33 1,193,260.36
2 6,892.94 27,142.39 34,035.33 1,186,367.42
3 7,049.73 26,985.60 34,035.33 1,179,317.69
4 7,210.09 26,825.24 34,035.33 1,172,107.60
5 7,374.09 26,661.24 34,035.33 1,164,733.51
6 7,541.82 26,493.50 34,035.33 1,157,191.69
7 7,713.37 26,321.96 34,035.33 1,149,478.31
8 7,888.83 26,146.50 34,035.33 1,141,589.49
9 8,068.27 25,967.06 34,035.33 1,133,521.22
10 8,251.79 25,783.54 34,035.33 1,125,269.43
11 8,439.49 25,595.84 34,035.33 1,116,829.94
12 8,631.46 25,403.87 34,035.33 1,108,198.48
1 25,207.54 1133406.02
2 25,780.92 1159186.93
3 26,367.34 1185554.27
4 26,967.10 1212521.38
5 27,580.51 1240101.88
6 28,207.86 1268309.75
1 12,179.16 28,849.49 41,028.65 1256130.59
2 12,456.19 28,572.46 41,028.65 1243674.40
3 12,739.52 28,289.13 41,028.65 1230934.88
4 13,029.30 27,999.35 41,028.65 1217905.58
5 13,325.67 27,702.98 41,028.65 1204579.91
6 13,628.78 27,399.87 41,028.65 1190951.13
7 13,938.79 27,089.86 41,028.65 1177012.35
8 14,255.84 26,772.80 41,028.65 1162756.50
9 14,580.11 26,448.53 41,028.65 1148176.39
10 14,911.76 26,116.89 41,028.65 1133264.63
 11 15,250.95 25,777.70 41,028.65 1118013.68
12 15,597.85 25,430.80 41,028.65 1102415.83
13 15,952.65 25,076.00 41,028.65 1086463.18
14 16,315.51 24,713.14 41,028.65 1070147.67
15 16,686.63 24,342.02 41,028.65 1053461.04
16 17,066.19 23,962.46 41,028.65 1036394.85
17 17,454.39 23,574.26 41,028.65 1018940.46
18 17,851.41 23,177.24 41,028.65 1001089.05
19 18,257.47 22,771.18 41,028.65 982831.58
20 18,672.76 22,355.89 41,028.65 964158.82
21 19,097.50 21,931.15 41,028.65 945061.33
22 19,531.90 21,496.75 41,028.65 925529.43
23 19,976.18 21,052.47 41,028.65 905553.25
24 20,430.56 20,598.08 41,028.65 885122.69
25 20,895.29 20,133.36 41,028.65 864227.40
26 21,370.58 19,658.07 41,028.65 842856.83
27 21,856.68 19,171.97 41,028.65 821000.14
28 22,353.84 18,674.81 41,028.65 798646.30
29 22,862.31 18,166.34 41,028.65 775783.99
30 23,382.35 17,646.30 41,028.65 752401.64
31 23,914.21 17,114.44 41,028.65 728487.43
32 24,458.18 16,570.47 41,028.65 704029.25
33 25,014.51 16,014.14 41,028.65 679014.74
34 25,583.50 15,445.15 41,028.65 653431.24
35 26,165.43 14,863.21 41,028.65 627265.81
36 26,760.60 14,268.04 41,028.65 600505.20
37 27,369.31 13,659.34 41,028.65 573135.89
38 27,991.86 13,036.78 41,028.65 545144.03
39 28,628.58 12,400.07 41,028.65 516515.45
40 29,279.78 11,748.87 41,028.65 487235.67
41 29,945.79 11,082.86 41,028.65 457289.88
42 30,626.95 10,401.70 41,028.65 426662.94
43 31,323.60 9,705.05 41,028.65 395339.34
44 32,036.10 8,992.55 41,028.65 363303.24
45 32,764.80 8,263.84 41,028.65 330538.44
46 33,510.09 7,518.56 41,028.65 297028.35
47 34,272.32 6,756.33 41,028.65 262756.03
48 35,051.89 5,976.76 41,028.65 227704.14
49 35,849.20 5,179.45 41,028.65 191854.94
50 36,664.64 4,364.01 41,028.65 155190.31
51 37,498.63 3,530.02 41,028.65 117691.68
52 38,351.59 2,677.06 41,028.65 79340.10
53 39,223.95 1,804.70 41,028.65 40116.15
54 40,116.15 912.50 41,028.65 0.00
Totales 1,360,111.27 1,107,348.52 2,623,970.95
S CON PERÍODO DE GRACIA TOTAL

ser cancelado en 72 meses con el método cuotas constantes a una TNA del 27% con paitalización diaria,
dos de gracia total (no paga amortización ni intereses). Se pide

Cuota $40,393.70
Periodo de pago mensual
Periodo de gracia total 6
TEM 2.27%
ción diaria,