Tecnologas de Colaboracin y Productividad - TCP

CAPITALIZACIN CON FLUJOS & ACTUALIZACIN

rea de Finanzas
.

LABORATORIO:

TCP-Lab18

BLOQUE:
PROFESOR:
ALUMNO1:
ALUMNO2:
ALUMNO3:
ALUMNO4:

CALIFICACIN :

- Procedimientos y Resultados Correctos

- Formatos y Presentacin adecuada

Cada ejercicio tiene una puntuacin total de :

( 4 Ptos )
( 1 Ptos )
( 5 Ptos )

d - TCP

Tecnologas de Colaboracin y Productividad - TCP

CAPITALIZACIN CON FLUJOS
1. DIAGRAMA DE TIEMPO-VALOR

VA
S/. 10,000.00
0
i (Mensual)
n (Meses)

Deposita
5000
del 1 al 3
2.50%
3

Retira
-6500
del 4 al 9
2.50%
6

Deposita
7000
del 10 al 14
2.50%
5

del 15 al 18
2.50%
4

2. CUADRO DE DATOS / FRMULA DE CAPITALIZACIN

del 1 al 3
del 4 al 9
del 10 al 14
del 15 al 18
S/. 10,000.00
S/. 15,768.91
S/. 11,787.10 S/. 20,336.02
2.50%
2.50%
2.50%
2.50%
3
6
5
4
S/. 15,768.91 S/.
11,787.10 S/.
20,336.02 S/. 22,447.16
S/.
768.91 S/.
2,518.19 S/.
1,548.92 S/. 2,111.14
5000
-6500
7000

VA
i (Mensual)
n (Meses)
VF = VA*(1+i)^n + FLUJO
I = VF - VA - FLUJO
FLUJO

3. LISTADO PERIODO A PERIODO

PERIODO
0
1
2
3
4

S/.
S/.
S/.
S/.
S/.

VA
10,000.00
10,000.00
10,250.00
10,506.25
15,768.91

I (INTERESES)
S/.
S/.
S/.
S/.

0
250.00
256.25
262.66
394.22

VF=VA+I+FLUJO
S/.
10,000.00
S/.
10,250.00
S/.
10,506.25
S/.
15,768.91
S/.
16,163.13

FLUJO

5000

5
6
7
8
9
10
11
12
13
14
15
16
17
18

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

16,163.13
16,567.21
16,981.39
17,405.92
17,841.07
11,787.10
12,081.77
12,383.82
12,693.41
13,010.75
20,336.02
20,844.42
21,365.53
21,899.67

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

404.08
414.18
424.53
435.15
446.03
294.68
302.04
309.60
317.34
325.27
508.40
521.11
534.14
547.49

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

16,567.21
16,981.39
17,405.92
17,841.07
11,787.10
12,081.77
12,383.82
12,693.41
13,010.75
20,336.02
20,844.42
21,365.53
21,899.67
22,447.16

-6500

7000

VF
????
Meses

Tecnologas de Colaboracin y Productividad - TCP

CAPITALIZACIN CON FLUJOS

1. DIAGRAMA DE TIEMPO-VALOR

VA
S/. 15,000.00
0
i (Mensual)
n (Meses)

Deposita
6500
del 1 al 8
0.42%
8

del 9 al 12
0.42%
4

Deposita
4300
del 13 al 18
0.42%
6

2. CUADRO DE DATOS / FRMULA DE CAPITALIZACIN

VA
i (Mensual)
n (Meses)
VF = VA*(1+i)^n + FLUJO
I = VF - VA - FLUJO
FLUJO

S/.
S/.

del 1 al 8
S/. 15,000.00
0.42%
8
22,011.47 S/.
511.47 S/.
6500

del 9 al 12
del 13 al 18
S/. 22,011.47
S/. 22,383.60
0.42%
0.42%
4
6
22,383.60 S/.
27,253.62
372.13 S/.
570.02
4300

3. LISTADO PERIODO A PERIODO

PERIODO
0
1
2
3

S/.
S/.
S/.
S/.

VA
15,000.00
15,000.00
15,063.00
15,126.26

I (INTERESES)
S/.
S/.
S/.

0
63.00
63.26
63.53

VF=VA+I+FLUJO
S/.
15,000.00
S/.
15,063.00
S/.
15,126.26
S/.
15,189.79

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

15,189.79
15,253.59
15,317.66
15,381.99
15,446.60
22,011.47
22,103.92
22,196.76
22,289.98
22,383.60
22,477.61
22,572.02
22,666.82
22,762.02
22,857.62
27,253.62
27,384.44
27,515.89
27,647.96
27,780.67
27,914.02

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

63.80
64.07
64.33
64.60
64.88
92.45
92.84
93.23
93.62
94.01
94.41
94.80
95.20
95.60
96.00
130.82
131.45
132.08
132.71
133.35
133.99

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

15,253.59
15,317.66
15,381.99
15,446.60
22,011.47
22,103.92
22,196.76
22,289.98
22,383.60
22,477.61
22,572.02
22,666.82
22,762.02
22,857.62
27,253.62
27,384.44
27,515.89
27,647.96
27,780.67
27,914.02
28,048.01

d - TCP

del 19 al 24
0.48%
6

del 19 al 24
S/. 27,253.62
0.48%
6
S/.
28,048.01
S/.
794.38

FLUJO

VF
????
Meses

6500

4300

Tecnologas de Colaboracin y Productividad - TCP

CAPITALIZACIN CON FLUJOS

1. DIAGRAMA DE TIEMPO-VALOR

VA
S/. 20,000.00
0
i (Mensual)
n (Meses)

Amortizo
-2500
del 1 al 6
0.07%
6

Amortizo
-2500
del 7 al 12
0.07%
6

Amortizo
-2000
del 13 al 18
0.065%
6

Presto
3000
del 19 al 24
0.065%
6

2. CUADRO DE DATOS / FRMULA DE CAPITALIZACIN

VA
i (Mensual)
n (Meses)
VF = VA*(1+i)^n + F S/.
I = VF - VA - FLUJO S/.
FLUJO

del 1 al 6
S/. 20,000.00
0.07%
6
17,584.15 S/.
84.15 S/.
-2500

del 7 al 12
del 13 al 18
del 19 al 24
S/. 17,584.15
S/. 15,158.13
S/. 13,217.34
0.07%
0.065%
0.065%
6
6
6
15,158.13 S/.
13,217.34 S/. 16,268.97
73.98 S/.
59.21 S/.
51.63
-2500
-2000
3000

3. LISTADO PERIODO A PERIODO

PERIODO
0
1
2
3

S/.
S/.
S/.
S/.

VA
20,000.00
20,000.00
20,014.00
20,028.01

I (INTERESES)
S/.
S/.
S/.

0
14.00
14.01
14.02

VF=VA+I+FLUJO
S/.
20,000.00
S/.
20,014.00
S/.
20,028.01
S/.
20,042.03

FLUJO

4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

20,042.03
20,056.06
20,070.10
17,584.15
17,596.46
17,608.77
17,621.10
17,633.43
17,645.78
15,158.13
15,167.98
15,177.84
15,187.71
15,197.58
15,207.46
13,217.34
13,225.93
13,234.53
13,243.13
13,251.74
13,260.36
16,268.97
16,278.57
16,288.18
16,297.79
16,307.40
16,317.02
16,326.65
16,336.28
16,345.92
16,355.57
16,365.22
16,374.87

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

14.03
14.04
14.05
12.31
12.32
12.33
12.33
12.34
12.35
9.85
9.86
9.87
9.87
9.88
9.88
8.59
8.60
8.60
8.61
8.61
8.62
9.60
9.60
9.61
9.62
9.62
9.63
9.63
9.64
9.64
9.65
9.66
9.66

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

20,056.06
20,070.10
17,584.15
17,596.46
17,608.77
17,621.10
17,633.43
17,645.78
15,158.13
15,167.98
15,177.84
15,187.71
15,197.58
15,207.46
13,217.34
13,225.93
13,234.53
13,243.13
13,251.74
13,260.36
16,268.97
16,278.57
16,288.18
16,297.79
16,307.40
16,317.02
16,326.65
16,336.28
16,345.92
16,355.57
16,365.22
16,374.87
16,384.53

-2500

-2500

-2000

3000

del 25 al 30
0.059%
6

del 31 al 36
0.059%
6

del 25 al 30
del 31 al 36
S/. 16,268.97
S/. 16,326.65
0.059%
0.059%
6
6
S/.
16,326.65 S/.
16,384.53
S/.
57.68 S/.
57.88

VF
????
Meses

Tecnologas de Colaboracin y Productividad - TCP

ACTUALIZACIN

Ejer 1 : ACTUALIZACIN

Despus de 18 meses una persona devuelve a un prestamista la cantidad de S/.28,000.00 por un prstamo que recibi
Si la tasa de inters capitalizable fue del 1.92% mensual Cunto dinero le prestaron?

VA = VF / ( 1 + i ) ^ n
VA =28000 / ( 1 + 1.92% ) ^ 18
Prestaron

S/.

19,883.30

Ejer 2 : ACTUALIZACIN

Despus de 15 bimestres, Armando Casas cancel una deuda con S/.12,936.15. Calcular Cul fue la deuda inicial y el Inter

VA = VF / ( 1 + i ) ^ n
VA =12936.15 / ( 1 + 2.85% ) ^ 15
Prestaron

S/.

8,486.73

I = VF - VA
Interes

S/.

4,449.42

Ejer 3 : ACTUALIZACIN

Un empresario cancela una deuda pagando S/. 37,590.75, transcurridos 14 trimestres del crdito inicial. Cul fue la deuda co

VA = VF / ( 1 + i ) ^ n
VA =37,590.75 / ( 1 + 3.26% ) ^ 14
Prestaron

S/.

23,990.06

Ejer 4 : ACTUALIZACIN

Al cabo de 18 meses Christian pag por un prstamo la suma de S/.7,500.00 Cunto hubiera pagado Christian por dicho prs
La tasa de inters capitalizable para el prstamo fue del 1.39% mensual.
Comprueba los datos con un listado periodo a periodo.

VA = VF / ( 1 + i ) ^ n
VA =S/.7,500.00 / ( 1 + 1.39% ) ^ 18
Prestaron

S/.

5,849.91

Cuadro de datos
tramo
VA
i(mensual)
n(Meses)
VF=VA*(1+i)^n
I=VF-VA

del 1 al 18
S/.

$
$

5,849.91
1.39%
18
7,500.00
1,650.09

0
1
2
3
4
5
6
7
8
9
10
11

VA
$
$
$
$
$
$
$
$
$
$
$
$

5,849.91
5,849.91
5,931.22
6,013.67
6,097.26
6,182.01
6,267.94
6,355.06
6,443.40
6,532.96
6,623.77
6,715.84

12
13
14
15
16

$
$
$
$
$

6,809.19
6,903.84
6,999.80
7,097.10
7,195.75

LISTADO PERIODO A PERIODO

PERIODO

I(INTERES)
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

81.31
82.44
83.59
84.75
85.93
87.12
88.34
89.56
90.81
92.07
93.35
94.65
95.96
97.30
98.65
100.02

17 $
18 $

Hubiera pagado

S/.

7,295.77
7,397.18
6,903.84

$
$

101.41
102.82

ad - TCP

/.28,000.00 por un prstamo que recibi.

lcular Cul fue la deuda inicial y el Inters generado si la tasa de inters capitalizable fue 2.85% bimestral?

es del crdito inicial. Cul fue la deuda contrada si la tasa de inters capitalizable fue del 3.26% trimestral?

nto hubiera pagado Christian por dicho prstamo, si lo hubiese cancelado 6 meses antes?

VF
$
$
$
$

5,849.91
5,931.22
6,013.67
6,097.26

$
$
$
$
$
$
$
$

6,182.01
6,267.94
6,355.06
6,443.40
6,532.96
6,623.77
6,715.84
6,809.19

$ 6,903.84
$
$
$
$

6,999.80
7,097.10
7,195.75
7,295.77

$
$

7,397.18
7,500.00