Tarea Sesión 7 - Desarrollada
Tarea Sesión 7 - Desarrollada
5
Una Pyme solicita un crédito de S/ 40,000 para pagar en 5 meses mediante cuotas constantes mensuales. Cons
José Torres solicita un financiamiento de S/ 66,800 comprometiéndose a pagar en 10 meses mediante cuotas
primer trimestre. Construir el cuadro de la deuda. (TEA=38.09%)
Un crédito de S/ 78,900 se acordó pagar en 5 años mediante el pago de cuotas quincenales constantes pero su
deuda. (TEM=2.99%)
Una deuda de S/ 35,900 se estableció pagar en 4 cuotas bimestrales mediante el pago de cuotas constante
cuadro de la deuda. (TES=17.5%)
Un inversionista busca financiamiento de S/ 18,500 con la posibilidad de cancelar en 5 meses mediante el pago
del 2do meses. Construir el cuadro de la deuda. (TET=4.55%).
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructur
Una Pyme solicita un crédito de S/ 40,000 para pagar en 5 meses mediante cuotas constantes mensuales. Construir el cuadro
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la deuda a 0
P = 40,000
Rest. Deuda = 0.50% = 200
40,200
Cuota = 8,709.29
2.73%
Saldo
(7)=(1)-(3)
32,586.55
24,765.56
16,731.37
8,478.17
-
José Torres solicita un financiamiento de S/ 66,800 comprometiéndose a pagar en 10 meses mediante cuotas co
primer trimestre. Construir el cuadro de la deuda. (TEA=38.09%)
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la
P = 66,800
Rest. Deuda = 0.50% = 334
67,134 (A 10 CUOTAS)
A 10 cuotas = 7,760.48
A 08 cuotas = 9,975.84
P = 78,900
Rest. Deuda = 0.50% = 395
79,295 (A 120 CUOTAS QUINCENALES)
1 79,294.50 6,658.69
2 85,953.19 7,217.85
3 93,171.04 7,823.96
4 100,995.00 8,480.97 0.68 8,481.65 1,189.42 9,671.07
5 100,994.32 8,480.91 0.73 8,481.65 1,189.42 9,671.07
6 100,993.58 8,480.85 0.80 8,481.65 1,189.42 9,671.07
7 100,992.79 8,480.79 0.86 8,481.65 1,189.42 9,671.07
8 100,991.92 8,480.71 0.94 8,481.65 1,189.42 9,671.07
9 100,990.99 8,480.63 1.01 8,481.65 1,189.42 9,671.07
10 100,989.97 8,480.55 1.10 8,481.65 1,189.42 9,671.07
11 100,988.87 8,480.46 1.19 8,481.65 1,189.42 9,671.07
12 100,987.68 8,480.36 1.29 8,481.65 1,189.42 9,671.07
13 100,986.39 8,480.25 1.40 8,481.65 1,189.42 9,671.07
14 100,984.99 8,480.13 1.52 8,481.65 1,189.42 9,671.07
15 100,983.47 8,480.00 1.65 8,481.65 1,189.42 9,671.07
16 100,981.82 8,479.86 1.78 8,481.65 1,189.42 9,671.07
17 100,980.04 8,479.71 1.93 8,481.65 1,189.42 9,671.07
18 100,978.10 8,479.55 2.10 8,481.65 1,189.42 9,671.07
19 100,976.01 8,479.38 2.27 8,481.65 1,189.42 9,671.07
20 100,973.74 8,479.19 2.46 8,481.65 1,189.42 9,671.07
21 100,971.27 8,478.98 2.67 8,481.65 1,189.42 9,671.07
22 100,968.60 8,478.75 2.89 8,481.65 1,189.42 9,671.07
23 100,965.71 8,478.51 3.14 8,481.65 1,189.42 9,671.07
24 100,962.57 8,478.25 3.40 8,481.65 1,189.42 9,671.07
25 100,959.17 8,477.96 3.69 8,481.65 1,189.42 9,671.07
26 100,955.48 8,477.65 4.00 8,481.65 1,189.42 9,671.07
27 100,951.48 8,477.32 4.33 8,481.65 1,189.42 9,671.07
28 100,947.15 8,476.95 4.70 8,481.65 1,189.42 9,671.07
29 100,942.46 8,476.56 5.09 8,481.65 1,189.42 9,671.07
30 100,937.37 8,476.13 5.52 8,481.65 1,189.42 9,671.07
31 100,931.85 8,475.67 5.98 8,481.65 1,189.42 9,671.07
32 100,925.87 8,475.17 6.48 8,481.65 1,189.42 9,671.07
33 100,919.38 8,474.62 7.03 8,481.65 1,189.42 9,671.07
34 100,912.36 8,474.03 7.62 8,481.65 1,189.42 9,671.07
35 100,904.74 8,473.39 8.26 8,481.65 1,189.42 9,671.07
36 100,896.48 8,472.70 8.95 8,481.65 1,189.42 9,671.07
37 100,887.53 8,471.95 9.70 8,481.65 1,189.42 9,671.07
38 100,877.83 8,471.13 10.52 8,481.65 1,189.42 9,671.07
39 100,867.31 8,470.25 11.40 8,481.65 1,189.42 9,671.07
40 100,855.91 8,469.29 12.36 8,481.65 1,189.42 9,671.07
41 100,843.55 8,468.25 13.40 8,481.65 1,189.42 9,671.07
42 100,830.16 8,467.13 14.52 8,481.65 1,189.42 9,671.07
43 100,815.63 8,465.91 15.74 8,481.65 1,189.42 9,671.07
44 100,799.89 8,464.59 17.06 8,481.65 1,189.42 9,671.07
45 100,782.83 8,463.15 18.49 8,481.65 1,189.42 9,671.07
46 100,764.34 8,461.60 20.05 8,481.65 1,189.42 9,671.07
47 100,744.29 8,459.92 21.73 8,481.65 1,189.42 9,671.07
48 100,722.56 8,458.09 23.56 8,481.65 1,189.42 9,671.07
49 100,699.00 8,456.12 25.53 8,481.65 1,189.42 9,671.07
50 100,673.47 8,453.97 27.68 8,481.65 1,189.42 9,671.07
51 100,645.79 8,451.65 30.00 8,481.65 1,189.42 9,671.07
52 100,615.79 8,449.13 32.52 8,481.65 1,189.42 9,671.07
53 100,583.27 8,446.40 35.25 8,481.65 1,189.42 9,671.07
54 100,548.02 8,443.44 38.21 8,481.65 1,189.42 9,671.07
55 100,509.80 8,440.23 41.42 8,481.65 1,189.42 9,671.07
56 100,468.38 8,436.75 44.90 8,481.65 1,189.42 9,671.07
57 100,423.48 8,432.98 48.67 8,481.65 1,189.42 9,671.07
58 100,374.81 8,428.89 52.76 8,481.65 1,189.42 9,671.07
59 100,322.05 8,424.46 57.19 8,481.65 1,189.42 9,671.07
60 100,264.86 8,419.66 61.99 8,481.65 1,189.42 9,671.07
61 100,202.87 8,414.45 67.20 8,481.65 1,189.42 9,671.07
62 100,135.68 8,408.81 72.84 8,481.65 1,189.42 9,671.07
63 100,062.84 8,402.69 78.96 8,481.65 1,189.42 9,671.07
64 99,983.88 8,396.06 85.59 8,481.65 1,189.42 9,671.07
65 99,898.30 8,388.88 92.77 8,481.65 1,189.42 9,671.07
66 99,805.52 8,381.09 100.56 8,481.65 1,189.42 9,671.07
67 99,704.96 8,372.64 109.01 8,481.65 1,189.42 9,671.07
68 99,595.95 8,363.49 118.16 8,481.65 1,189.42 9,671.07
69 99,477.79 8,353.56 128.08 8,481.65 1,189.42 9,671.07
70 99,349.71 8,342.81 138.84 8,481.65 1,189.42 9,671.07
71 99,210.87 8,331.15 150.50 8,481.65 1,189.42 9,671.07
72 99,060.37 8,318.51 163.14 8,481.65 1,189.42 9,671.07
73 98,897.23 8,304.81 176.84 8,481.65 1,189.42 9,671.07
74 98,720.39 8,289.96 191.69 8,481.65 1,189.42 9,671.07
75 98,528.71 8,273.87 207.78 8,481.65 1,189.42 9,671.07
76 98,320.93 8,256.42 225.23 8,481.65 1,189.42 9,671.07
77 98,095.69 8,237.50 244.14 8,481.65 1,189.42 9,671.07
78 97,851.55 8,217.00 264.65 8,481.65 1,189.42 9,671.07
79 97,586.90 8,194.78 286.87 8,481.65 1,189.42 9,671.07
80 97,300.03 8,170.69 310.96 8,481.65 1,189.42 9,671.07
81 96,989.07 8,144.58 337.07 8,481.65 1,189.42 9,671.07
82 96,652.00 8,116.27 365.38 8,481.65 1,189.42 9,671.07
83 96,286.62 8,085.59 396.06 8,481.65 1,189.42 9,671.07
84 95,890.56 8,052.33 429.32 8,481.65 1,189.42 9,671.07
85 95,461.25 8,016.28 465.37 8,481.65 1,189.42 9,671.07
86 94,995.87 7,977.20 504.45 8,481.65 1,189.42 9,671.07
87 94,491.43 7,934.84 546.81 8,481.65 1,189.42 9,671.07
88 93,944.62 7,888.92 592.73 8,481.65 1,189.42 9,671.07
89 93,351.89 7,839.15 642.50 8,481.65 1,189.42 9,671.07
90 92,709.39 7,785.19 696.46 8,481.65 1,189.42 9,671.07
91 92,012.93 7,726.71 754.94 8,481.65 1,189.42 9,671.07
92 91,257.99 7,663.31 818.34 8,481.65 1,189.42 9,671.07
93 90,439.65 7,594.59 887.05 8,481.65 1,189.42 9,671.07
94 89,552.60 7,520.11 961.54 8,481.65 1,189.42 9,671.07
95 88,591.06 7,439.36 1,042.29 8,481.65 1,189.42 9,671.07
96 87,548.77 7,351.84 1,129.81 8,481.65 1,189.42 9,671.07
97 86,418.95 7,256.96 1,224.69 8,481.65 1,189.42 9,671.07
98 85,194.26 7,154.12 1,327.53 8,481.65 1,189.42 9,671.07
99 83,866.73 7,042.64 1,439.01 8,481.65 1,189.42 9,671.07
100 82,427.72 6,921.80 1,559.85 8,481.65 1,189.42 9,671.07
101 80,867.87 6,790.81 1,690.84 8,481.65 1,189.42 9,671.07
102 79,177.04 6,648.83 1,832.82 8,481.65 1,189.42 9,671.07
103 77,344.21 6,494.92 1,986.73 8,481.65 1,189.42 9,671.07
104 75,357.48 6,328.08 2,153.57 8,481.65 1,189.42 9,671.07
105 73,203.91 6,147.24 2,334.41 8,481.65 1,189.42 9,671.07
106 70,869.50 5,951.21 2,530.44 8,481.65 1,189.42 9,671.07
107 68,339.06 5,738.72 2,742.93 8,481.65 1,189.42 9,671.07
108 65,596.13 5,508.38 2,973.27 8,481.65 1,189.42 9,671.07
109 62,622.86 5,258.70 3,222.95 8,481.65 1,189.42 9,671.07
110 59,399.91 4,988.06 3,493.59 8,481.65 1,189.42 9,671.07
111 55,906.32 4,694.69 3,786.96 8,481.65 1,189.42 9,671.07
112 52,119.36 4,376.68 4,104.97 8,481.65 1,189.42 9,671.07
113 48,014.39 4,031.97 4,449.68 8,481.65 1,189.42 9,671.07
114 43,564.71 3,658.31 4,823.34 8,481.65 1,189.42 9,671.07
115 38,741.37 3,253.27 5,228.37 8,481.65 1,189.42 9,671.07
116 33,513.00 2,814.23 5,667.42 8,481.65 1,189.42 9,671.07
117 27,845.57 2,338.31 6,143.34 8,481.65 1,189.42 9,671.07
118 21,702.23 1,822.43 6,659.22 8,481.65 1,189.42 9,671.07
119 15,043.01 1,263.22 7,218.42 8,481.65 1,189.42 9,671.07
120 7,824.59 657.06 7,824.59 8,481.65 1,189.42 9,671.07
incenales constantes pero su primer pago diferido a fines del segundo mes. Construir el cuadro de la deuda.
8.40%
Saldo
(7)=(1)-(3)
85,953.19
93,171.04
100,995.00
100,994.32
100,993.58
100,992.79
100,991.92
100,990.99
100,989.97
100,988.87
100,987.68
100,986.39
100,984.99
100,983.47
100,981.82
100,980.04
100,978.10
100,976.01
100,973.74
100,971.27
100,968.60
100,965.71
100,962.57
100,959.17
100,955.48
100,951.48
100,947.15
100,942.46
100,937.37
100,931.85
100,925.87
100,919.38
100,912.36
100,904.74
100,896.48
100,887.53
100,877.83
100,867.31
100,855.91
100,843.55
100,830.16
100,815.63
100,799.89
100,782.83
100,764.34
100,744.29
100,722.56
100,699.00
100,673.47
100,645.79
100,615.79
100,583.27
100,548.02
100,509.80
100,468.38
100,423.48
100,374.81
100,322.05
100,264.86
100,202.87
100,135.68
100,062.84
99,983.88
99,898.30
99,805.52
99,704.96
99,595.95
99,477.79
99,349.71
99,210.87
99,060.37
98,897.23
98,720.39
98,528.71
98,320.93
98,095.69
97,851.55
97,586.90
97,300.03
96,989.07
96,652.00
96,286.62
95,890.56
95,461.25
94,995.87
94,491.43
93,944.62
93,351.89
92,709.39
92,012.93
91,257.99
90,439.65
89,552.60
88,591.06
87,548.77
86,418.95
85,194.26
83,866.73
82,427.72
80,867.87
79,177.04
77,344.21
75,357.48
73,203.91
70,869.50
68,339.06
65,596.13
62,622.86
59,399.91
55,906.32
52,119.36
48,014.39
43,564.71
38,741.37
33,513.00
27,845.57
21,702.23
15,043.01
7,824.59
- 0.00
Una deuda de S/ 35,900 se estableció pagar en 4 cuotas bimestrales mediante el pago de cuotas constantes pe
cuadro de la deuda. (TES=17.5%)
*Considerar el cobro del seguro de desgravamen al 1.5% sobre el préstamo neto y el cobro por estructuración de la
P = 35,900
Rest. Deuda = 0.50% = 180
36,080 (A 04 CUOTAS)
A 04 cuotas = 10,298.68
A 03 cuotas = 14,117.54
NOTA: consideremos que cada mes tiene 30 dias; es decir; 3 cuotas de 10 días cada uno.
P = 18,500
Rest. Deuda = 0.50% = 93
18,593 (A 50 CUOTAS)
A 50 cuotas = 568.05
A 197 cuotas = 664.24