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Ejercicio: Juan realiza un prstamo bancario a 15 meses de S/.20,000 en el Banco BCP. Teniendo una tasa efectiva anual de
sera su cuota y el pago total en los siguientes tres casos : a) Pagos mensuales b) Pagos quincenales y c) Pagos trimestrales
Explique que encontro
a)
PRESTAMO=
20,000.00
15%
0.01171491692
Periodos mensuales=
15
i ( 1+i)n =
(1+i)n-1
Servicio deuda=
TOTAL
Ptmo x FRC
MESES
PRINCIPAL INICIO
AMORTIZACION
20,000.00
1,227.39
18,772.61
1,241.77
17,530.84
1,256.31
16,274.53
1,271.03
15,003.50
1,285.92
13,717.58
1,300.99
12,416.59
1,316.23
11,100.36
1,331.65
9,768.72
1,347.25
10
8,421.47
1,363.03
11
7,058.44
1,379.00
12
5,679.44
1,395.15
13
4,284.29
1,411.50
14
2,872.79
1,428.03
15
1,444.76
1,444.76
15,715.71
co BCP. Teniendo una tasa efectiva anual de 15% . Se desea saber cuanto
b) Pagos quincenales y c) Pagos trimestrales. Calcular el VAN y TIR .
b)
SOLES
PRESTAMO=
Tasa Inters Efectiva Anual =
Ie = ( 1+ i/n)n -1
0.0117149169
0.0139511984
Periodos quincenales=
0.0730843297
0.1908917878
1461.6865938379
INTERES
Servicio deuda=
SERVICIO DE DEUDA
SALDO
QUINCENAS
PRINCIPAL INICIO
-20,000.00
234.30
1,461.69
18,772.61
20,000.00
219.92
1,461.69
17,530.84
19,388.09
205.37
1,461.69
16,274.53
18,772.61
190.65
1,461.69
15,003.50
18,153.54
175.76
1,461.69
13,717.58
17,530.84
160.70
1,461.69
12,416.59
16,904.52
145.46
1,461.69
11,100.36
16,274.53
130.04
1,461.69
9,768.72
15,640.87
114.44
1,461.69
8,421.47
15,003.50
98.66
1,461.69
7,058.44
10
14,362.41
82.69
1,461.69
5,679.44
11
13,717.58
66.53
1,461.69
4,284.29
12
13,068.98
50.19
1,461.69
2,872.79
13
12,416.59
33.65
1,461.69
1,444.76
14
11,760.39
16.93
1,461.69
0.00
15
11,100.36
1,824.53
17,540.24
16
10,436.48
17
9,768.72
18
9,097.05
19
8,421.47
20
7,741.94
21
7,058.44
22
6,370.95
23
5,679.44
TIR
VAN
1.17%
0.00
iodo, esto de debe que es una corrida ya tiene una tasa de interes.
nosotros calculamos el TIR a un flujo de efectivo o a una flujo de
para ver cuan rentable es nuestra inversin y se compar con las
TOTAL
24
4,983.90
25
4,284.29
26
3,580.60
27
2,872.79
28
2,160.86
29
1,444.76
30
724.48
c)
20,000.00
SOLES
PRESTAMO=
15%
0.00584040330
Ie = ( 1+ i/n)n -1
30
0.0058404033
i ( 1+i) =
0.0069552883
(1+i) -1
0.1908917878
Ptmo x FRC
AMORTIZACION
Periodos trimestrales=
0.0364357651
728.7153012921
INTERES
SERVICIO DE DEUDA
SALDO
TRIMESTRE
-20,000.00
611.91
116.81
728.72
19,388.09
615.48
113.23
728.72
18,772.61
619.08
109.64
728.72
18,153.54
622.69
106.02
728.72
17,530.84
626.33
102.39
728.72
16,904.52
629.99
98.73
728.72
16,274.53
633.67
95.05
728.72
15,640.87
637.37
91.35
728.72
15,003.50
641.09
87.63
728.72
14,362.41
644.83
83.88
728.72
13,717.58
648.60
80.12
728.72
13,068.98
652.39
76.33
728.72
12,416.59
656.20
72.52
728.72
11,760.39
660.03
68.69
728.72
11,100.36
663.88
64.83
728.72
10,436.48
667.76
60.95
728.72
9,768.72
671.66
57.05
728.72
9,097.05
675.58
53.13
728.72
8,421.47
679.53
49.18
728.72
7,741.94
683.50
45.22
728.72
7,058.44
687.49
41.22
728.72
6,370.95
691.51
37.21
728.72
5,679.44
695.55
33.17
728.72
4,983.90
TOTAL
699.61
29.11
728.72
4,284.29
703.69
25.02
728.72
3,580.60
707.80
20.91
728.72
2,872.79
711.94
16.78
728.72
2,160.86
716.10
12.62
728.72
1,444.76
720.28
8.44
728.72
724.48
724.48
4.23
728.72
0.00
20,000.00
1,861.46
21,861.46
298,720.98
TIR
0.58%
VAN
0.00000
STAMO=
20,000.00
dos trimestrales=
SOLES
15%
0.03555807634
Ie = ( 1+ i/n)n -1
0.0355580763
i ( 1+i) =
0.0423458211
(1+i) -1
0.1908917878
Servicio deuda=
PRINCIPAL INICIO
Ptmo x FRC
AMORTIZACION
0.2218315497
4436.6309933562
INTERES
SERVICIO DE DEUDA
SALDO
-20,000.00
20,000.00
3,725.47
711.16
4,436.63
16,274.53
16,274.53
3,857.94
578.69
4,436.63
12,416.59
12,416.59
3,995.12
441.51
4,436.63
8,421.47
8,421.47
4,137.18
299.45
4,436.63
4,284.29
4,284.29
4,284.29
152.34
4,436.63
0.00
20,000.00
2,183.15
22,183.15
41,396.88
TIR
3.56%
VAN
0.00