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Interes 30%

Capital (P) 5000


n (meses) 12

PERIODO (Meses) INICIAL AMORTIZACION INTERES (I) CUOTA (R)


0
1 5,000.00 67.27 1,500.00 1,567.27
2 4,932.73 87.45 1,479.82 1,567.27
3 4,845.28 113.69 1,453.58 1,567.27
4 4,731.59 147.79 1,419.48 1,567.27
5 4,583.80 192.13 1,375.14 1,567.27
6 4,391.67 249.77 1,317.50 1,567.27
7 4,141.90 324.70 1,242.57 1,567.27
8 3,817.20 422.11 1,145.16 1,567.27
9 3,395.09 548.74 1,018.53 1,567.27
10 2,846.35 713.36 853.91 1,567.27
11 2,132.99 927.37 639.90 1,567.27
12 1,205.62 1,205.58 361.69 1,567.27
TOTAL 5,000.00 13,807.00 18,807.00
USANDO LA FORMULA

2. Cuotas de amortización e intereses fijo


P 3,000.00
n 6
i 0.0167089
SALDO
PERIODO (Meses) AMORTIZA INTERES (I) CUOTA (R) PEND.
CION PAGO.
0 3,000.00
1 500.00 50.13 550.13 2,500.00
2 500.00 50.13 550.13 2,000.00
3 500.00 50.13 550.13 1,500.00
4 500.00 50.13 550.13 1,000.00
5 500.00 50.13 550.13 500.00
6 500.00 50.13 550.13 0.00
TOTAL 3,000.00 300.76 3,300.76

3. Cuotas decrecientes
P 3,000.00
n 6
i 0.0167089
SALDO
PERIODO (Meses) AMORTIZA INTERES (I) CUOTA (R) PEND.
CION PAGO.
0 3,000.00
1 500.00 50.13 550.13 2,500.00
2 500.00 41.77 541.77 2,000.00
3 500.00 33.42 533.42 1,500.00
4 500.00 25.06 525.06 1,000.00
5 500.00 16.71 516.71 500.00
6 500.00 8.35 508.35 0.00
TOTAL 3,000.00 175.44 3,175.44
SALDO PEND.
PAGO.
5,000.00
4,932.73
4,845.28
4,731.59
4,583.80
4,391.67
4,141.90
3,817.20
3,395.09
2,846.35
2,132.99
1,205.62
0.04
FLUJO ECONOMICO DE CAJA
INVERSION INICIAL: S/. 25,000.00
PRODUCCION: S/. 1,800.00
PRECIO S/. 20.00
COSTO: S/. 13,000.00
PERIODO EN AÑOS 5

PERIODOS 0 1 2
INGRESOS 36000 36000
COSTOS S/. 13,000.00 S/. 13,000.00
INVERSION S/. 25,000.00
FLUJO DE CAJA ECONOMICO -S/. 25,000.00 S/. 23,000.00 S/. 23,000.00

TASA DE DESCUENTO: 16.000%


VAN S/. 50,308.75 S/. 50,308.75
TIR S/. 50,308.75 88.092%
B/C S/. 3.01
Unidades por Año
Anual
Fijo

3 4 5
36000 36000 36000
S/. 13,000.00 S/. 13,000.00 S/. 13,000.00

S/. 23,000.00 S/. 23,000.00 S/. 23,000.00

S/. 50,308.75
88.092%
FLUJO DE CAJA PROYECTO PURO
DETALLE 0 1 2
Ventas 8000 10000
Costos de Operación 3000 4000
Depreciacion 4000 4000
Venta del Camion 1000
VL Camion 2000
Resultado antes de impuesto (RAI) 1000 1000
20% Impuesto 200 200
Result. Despues de Imp. (RDI) 800 800
Depreciacion 4000 4000
VL Camion 2000
INVERSIONES:
Vehiculos 10000 2
5% Capital de Trabajo 150 50 160
FCN 10150 4750 6960

FLUJO DE CAJA PROYECTO FINANCIERO


DETALLE 0 1 2
Ventas 8000 10000
Costos de Operación 3000 4000
Depreciacion 4000 4000
Venta del Camion 1000
VL Camion 2000
Intereses 320 S/. 166.15
RAI 680 S/. 833.85
20% Impuesto 136 S/. 166.77
RDI 544 667.076923
Depreciacion 4000 4000
VL Camion 2000
INVERSIONES:
Vehiculos 10000
5% Capital de Trabajo 150 50 160
Prestamo/amortiza S/. 4,000.00 S/. 1,923.08 S/. 2,076.92
FN S/. -6,150.00 S/. 2,570.92 S/. 4,750.15 S/. 4,750.15

8%
Cuota Intereses Amortizaciones Saldo
0 4000
1 S/. 2,243.08 320 S/. 1,923.08 S/. 2,076.92
2 S/. 2,243.08 S/. 166.15 S/. 2,076.92 S/. 0.00
S/. 4,486.15 486.153846 S/. 4,000.00
S/. 4,486.15
VAN S/. 302.98
TIR 11%

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