jueves, 5 de diciembre de 2019

Ejercicio de valor presente de una anualidad:

Un compañero de la universidad le ofrece entrar a un negocio y le asegura los siguientes flujos de dinero para los próximos 24 meses, que es el horizonte del proyecto

Del mes 1 al mes 12        $2 500
Del mes 13 al mes 24      $4 000

Sabiendo que ud. desea ganar como mínimo una TEA del 25% por esta inversión, indique cual sería el monto de la inversión a realizar.




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lunes, 28 de octubre de 2019

Ejercicios de Cuadro de amortización

Valor Departamento 650000
Principal 450000
Plazo 14 años
TEA 13%
Seg. Desgravamen 0.09% Vida Nueva
Seg. Bien 0.04% constante
Comisión Adm. 0.90%
TEM 1.02%
Cuota Cred. S/. 5,622.42
Cuadro Amortización
# Cuota Pago Mensual Seg. Bien Seg. Desg. Cuota Cred. Interés Amortización Deuda Insoluta
0 450000
1 6207.42 180.00 405.00 5622.42 4606.58 1015.84 448984.16
2 6206.51 180.00 404.09 5622.42 4596.18 1026.24 447957.92
3 6205.58 180.00 403.16 5622.42 4585.68 1036.74 446921.18
4 6204.65 180.00 402.23 5622.42 4575.06 1047.36 445873.82
5 6203.71 180.00 401.29 5622.42 4564.34 1058.08 444815.74
6 6202.75 180.00 400.33 5622.42 4553.51 1068.91 443746.83
7 6201.79 180.00 399.37 5622.42 4542.57 1079.85 442666.98
8 6200.82 180.00 398.40 5622.42 4531.51 1090.91 441576.07
9 6199.84 180.00 397.42 5622.42 4520.35 1102.07 440474.00
10 6198.85 180.00 396.43 5622.42 4509.06 1113.36 439360.64
11 6197.84 180.00 395.42 5622.42 4497.67 1124.75 438235.89
12 6196.83 180.00 394.41 5622.42 4486.15 1136.27 437099.62
13 6195.81 180.00 393.39 5622.42 4474.52 1147.90 435951.72
14 6194.78 180.00 392.36 5622.42 4462.77 1159.65 434792.07
15 6193.73 180.00 391.31 5622.42 4450.90 1171.52 433620.55
16 6192.68 180.00 390.26 5622.42 4438.91 1183.51 432437.03
17 6191.61 180.00 389.19 5622.42 4426.79 1195.63 431241.40
18 6190.54 180.00 388.12 5622.42 4414.55 1207.87 430033.53
19 6189.45 180.00 387.03 5622.42 4402.19 1220.23 428813.30
20 6188.35 180.00 385.93 5622.42 4389.70 1232.72 427580.58
21 6187.24 180.00 384.82 5622.42 4377.08 1245.34 426335.23
22 6186.12 180.00 383.70 5622.42 4364.33 1258.09 425077.14
23 6184.99 180.00 382.57 5622.42 4351.45 1270.97 423806.17
24 6183.85 180.00 381.43 5622.42 4338.44 1283.98 422522.19
25 6182.69 180.00 380.27 5622.42 4325.29 1297.13 421225.06
26 6181.52 180.00 379.10 5622.42 4312.02 1310.40 419914.66
27 6180.34 180.00 377.92 5622.42 4298.60 1323.82 418590.84
28 6179.15 180.00 376.73 5622.42 4285.05 1337.37 417253.47
29 6177.95 180.00 375.53 5622.42 4271.36 1351.06 415902.40
30 6176.73 180.00 374.31 5622.42 4257.53 1364.89 414537.51
31 6175.50 180.00 373.08 5622.42 4243.56 1378.86 413158.65
32 6174.26 180.00 371.84 5622.42 4229.44 1392.98 411765.67
33 6173.01 180.00 370.59 5622.42 4215.18 1407.24 410358.43
34 6171.74 180.00 369.32 5622.42 4200.78 1421.64 408936.79
35 6170.46 180.00 368.04 5622.42 4186.22 1436.20 407500.59
36 6169.17 180.00 366.75 5622.42 4171.52 1450.90 406049.69
37 6167.86 180.00 365.44 5622.42 4156.67 1465.75 404583.94
38 6166.55 180.00 364.13 5622.42 4141.66 1480.76 403103.18
39 6165.21 180.00 362.79 5622.42 4126.50 1495.92 401607.26
40 6163.87 180.00 361.45 5622.42 4111.19 1511.23 400096.03
41 6162.51 180.00 360.09 5622.42 4095.72 1526.70 398569.33
42 6161.13 180.00 358.71 5622.42 4080.09 1542.33 397027.01
43 6159.74 180.00 357.32 5622.42 4064.30 1558.12 395468.89
44 6158.34 180.00 355.92 5622.42 4048.35 1574.07 393894.82
45 6156.93 180.00 354.51 5622.42 4032.24 1590.18 392304.64
46 6155.49 180.00 353.07 5622.42 4015.96 1606.46 390698.19
47 6154.05 180.00 351.63 5622.42 3999.52 1622.90 389075.28
48 6152.59 180.00 350.17 5622.42 3982.90 1639.52 387435.76
49 6151.11 180.00 348.69 5622.42 3966.12 1656.30 385779.46
50 6149.62 180.00 347.20 5622.42 3949.16 1673.26 384106.21
51 6148.12 180.00 345.70 5622.42 3932.04 1690.38 382415.82
52 6146.59 180.00 344.17 5622.42 3914.73 1707.69 380708.14
53 6145.06 180.00 342.64 5622.42 3897.25 1725.17 378982.97
54 6143.50 180.00 341.08 5622.42 3879.59 1742.83 377240.14
55 6141.94 180.00 339.52 5622.42 3861.75 1760.67 375479.46
56 6140.35 180.00 337.93 5622.42 3843.72 1778.70 373700.77
57 6138.75 180.00 336.33 5622.42 3825.52 1796.90 371903.87
58 6137.13 180.00 334.71 5622.42 3807.12 1815.30 370088.57
59 6135.50 180.00 333.08 5622.42 3788.54 1833.88 368254.69
60 6133.85 180.00 331.43 5622.42 3769.77 1852.65 366402.03
61 6132.18 180.00 329.76 5622.42 3750.80 1871.62 364530.41
62 6130.50 180.00 328.08 5622.42 3731.64 1890.78 362639.63
63 6128.80 180.00 326.38 5622.42 3712.29 1910.13 360729.50
64 6127.08 180.00 324.66 5622.42 3692.73 1929.69 358799.81
65 6125.34 180.00 322.92 5622.42 3672.98 1949.44 356850.37
66 6123.59 180.00 321.17 5622.42 3653.02 1969.40 354880.97
67 6121.81 180.00 319.39 5622.42 3632.86 1989.56 352891.41
68 6120.02 180.00 317.60 5622.42 3612.49 2009.93 350881.49
69 6118.21 180.00 315.79 5622.42 3591.92 2030.50 348850.99
70 6116.39 180.00 313.97 5622.42 3571.13 2051.29 346799.70
71 6114.54 180.00 312.12 5622.42 3550.13 2072.29 344727.41
72 6112.67 180.00 310.25 5622.42 3528.92 2093.50 342633.91
73 6110.79 180.00 308.37 5622.42 3507.49 2114.93 340518.98
74 6108.89 180.00 306.47 5622.42 3485.84 2136.58 338382.40
75 6106.96 180.00 304.54 5622.42 3463.97 2158.45 336223.95
76 6105.02 180.00 302.60 5622.42 3441.87 2180.55 334043.40
77 6103.06 180.00 300.64 5622.42 3419.55 2202.87 331840.53
78 6101.08 180.00 298.66 5622.42 3397.00 2225.42 329615.11
79 6099.07 180.00 296.65 5622.42 3374.22 2248.20 327366.91
80 6097.05 180.00 294.63 5622.42 3351.20 2271.22 325095.70
81 6095.01 180.00 292.59 5622.42 3327.95 2294.47 322801.23
82 6092.94 180.00 290.52 5622.42 3304.47 2317.95 320483.28
83 6090.85 180.00 288.43 5622.42 3280.74 2341.68 318141.59
84 6088.75 180.00 286.33 5622.42 3256.77 2365.65 315775.94
85 6086.62 180.00 284.20 5622.42 3232.55 2389.87 313386.07
86 6084.47 180.00 282.05 5622.42 3208.08 2414.34 310971.73
87 6082.29 180.00 279.87 5622.42 3183.37 2439.05 308532.68
88 6080.10 180.00 277.68 5622.42 3158.40 2464.02 306068.66
89 6077.88 180.00 275.46 5622.42 3133.18 2489.24 303579.42
90 6075.64 180.00 273.22 5622.42 3107.70 2514.72 301064.70
91 6073.38 180.00 270.96 5622.42 3081.95 2540.47 298524.23
92 6071.09 180.00 268.67 5622.42 3055.95 2566.47 295957.76
93 6068.78 180.00 266.36 5622.42 3029.67 2592.75 293365.01
94 6066.45 180.00 264.03 5622.42 3003.13 2619.29 290745.72
95 6064.09 180.00 261.67 5622.42 2976.32 2646.10 288099.62
96 6061.71 180.00 259.29 5622.42 2949.23 2673.19 285426.43
97 6059.30 180.00 256.88 5622.42 2921.87 2700.55 282725.88
98 6056.87 180.00 254.45 5622.42 2894.22 2728.20 279997.68
99 6054.42 180.00 252.00 5622.42 2866.29 2756.13 277241.55
100 6051.94 180.00 249.52 5622.42 2838.08 2784.34 274457.21
101 6049.43 180.00 247.01 5622.42 2809.58 2812.84 271644.36
102 6046.90 180.00 244.48 5622.42 2780.78 2841.64 268802.73
103 6044.34 180.00 241.92 5622.42 2751.69 2870.73 265932.00
104 6041.76 180.00 239.34 5622.42 2722.30 2900.12 263031.88
105 6039.15 180.00 236.73 5622.42 2692.62 2929.80 260102.08
106 6036.51 180.00 234.09 5622.42 2662.62 2959.80 257142.28
107 6033.85 180.00 231.43 5622.42 2632.33 2990.09 254152.19
108 6031.16 180.00 228.74 5622.42 2601.72 3020.70 251131.48
109 6028.44 180.00 226.02 5622.42 2570.79 3051.63 248079.86
110 6025.69 180.00 223.27 5622.42 2539.55 3082.87 244996.99
111 6022.92 180.00 220.50 5622.42 2508.00 3114.42 241882.57
112 6020.11 180.00 217.69 5622.42 2476.11 3146.31 238736.26
113 6017.28 180.00 214.86 5622.42 2443.91 3178.51 235557.75
114 6014.42 180.00 212.00 5622.42 2411.37 3211.05 232346.70
115 6011.53 180.00 209.11 5622.42 2378.50 3243.92 229102.77
116 6008.61 180.00 206.19 5622.42 2345.29 3277.13 225825.64
117 6005.66 180.00 203.24 5622.42 2311.74 3310.68 222514.97
118 6002.68 180.00 200.26 5622.42 2277.85 3344.57 219170.40
119 5999.67 180.00 197.25 5622.42 2243.61 3378.81 215791.59
120 5996.63 180.00 194.21 5622.42 2209.02 3413.40 212378.20
121 5993.56 180.00 191.14 5622.42 2174.08 3448.34 208929.86
122 5990.46 180.00 188.04 5622.42 2138.78 3483.64 205446.22
123 5987.32 180.00 184.90 5622.42 2103.12 3519.30 201926.92
124 5984.15 180.00 181.73 5622.42 2067.09 3555.33 198371.60
125 5980.95 180.00 178.53 5622.42 2030.70 3591.72 194779.87
126 5977.72 180.00 175.30 5622.42 1993.93 3628.49 191151.39
127 5974.46 180.00 172.04 5622.42 1956.79 3665.63 187485.75
128 5971.16 180.00 168.74 5622.42 1919.26 3703.16 183782.60
129 5967.82 180.00 165.40 5622.42 1881.35 3741.07 180041.53
130 5964.46 180.00 162.04 5622.42 1843.06 3779.36 176262.17
131 5961.06 180.00 158.64 5622.42 1804.37 3818.05 172444.11
132 5957.62 180.00 155.20 5622.42 1765.28 3857.14 168586.98
133 5954.15 180.00 151.73 5622.42 1725.80 3896.62 164690.36
134 5950.64 180.00 148.22 5622.42 1685.91 3936.51 160753.85
135 5947.10 180.00 144.68 5622.42 1645.61 3976.81 156777.04
136 5943.52 180.00 141.10 5622.42 1604.90 4017.52 152759.52
137 5939.90 180.00 137.48 5622.42 1563.78 4058.64 148700.88
138 5936.25 180.00 133.83 5622.42 1522.23 4100.19 144600.68
139 5932.56 180.00 130.14 5622.42 1480.25 4142.17 140458.52
140 5928.83 180.00 126.41 5622.42 1437.85 4184.57 136273.95
141 5925.07 180.00 122.65 5622.42 1395.02 4227.40 132046.55
142 5921.26 180.00 118.84 5622.42 1351.74 4270.68 127775.87
143 5917.42 180.00 115.00 5622.42 1308.02 4314.40 123461.47
144 5913.54 180.00 111.12 5622.42 1263.86 4358.56 119102.90
145 5909.61 180.00 107.19 5622.42 1219.24 4403.18 114699.72
146 5905.65 180.00 103.23 5622.42 1174.16 4448.26 110251.46
147 5901.65 180.00 99.23 5622.42 1128.63 4493.79 105757.67
148 5897.60 180.00 95.18 5622.42 1082.62 4539.80 101217.88
149 5893.52 180.00 91.10 5622.42 1036.15 4586.27 96631.61
150 5889.39 180.00 86.97 5622.42 989.20 4633.22 91998.39
151 5885.22 180.00 82.80 5622.42 941.77 4680.65 87317.74
152 5881.01 180.00 78.59 5622.42 893.86 4728.56 82589.18
153 5876.75 180.00 74.33 5622.42 845.45 4776.97 77812.21
154 5872.45 180.00 70.03 5622.42 796.55 4825.87 72986.35
155 5868.11 180.00 65.69 5622.42 747.15 4875.27 68111.08
156 5863.72 180.00 61.30 5622.42 697.24 4925.18 63185.90
157 5859.29 180.00 56.87 5622.42 646.82 4975.60 58210.30
158 5854.81 180.00 52.39 5622.42 595.89 5026.53 53183.77
159 5850.29 180.00 47.87 5622.42 544.43 5077.99 48105.79
160 5845.72 180.00 43.30 5622.42 492.45 5129.97 42975.82
161 5841.10 180.00 38.68 5622.42 439.94 5182.48 37793.33
162 5836.43 180.00 34.01 5622.42 386.88 5235.54 32557.80
163 5831.72 180.00 29.30 5622.42 333.29 5289.13 27268.67
164 5826.96 180.00 24.54 5622.42 279.15 5343.27 21925.39
165 5822.15 180.00 19.73 5622.42 224.45 5397.97 16527.42
166 5817.29 180.00 14.87 5622.42 169.19 5453.23 11074.19
167 5812.39 180.00 9.97 5622.42 113.36 5509.06 5565.13
168 5807.43 180.00 5.01 5622.42 56.97 5565.45 -0.32
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