EJERCICIO A

CAPITAL
CUOTA FECHA
DATOS PAGADO
A= 150,000.00 0 1/3/2019 -
N= 4 años 48 MESES 1 2/3/2019 1,553.63
I= 38% ANUAL 2 3/3/2019 1,595.89
3 4/3/2019 1,639.30
4 5/3/2019 1,683.89
FORMULA DE INTERES 5 6/3/2019 1,729.69
(1+i)^(n-1) 6 7/3/2019 1,776.74
I= 0.0272 7 8/3/2019 1,825.06
8 9/3/2019 1,874.71
FORMULA DE CUOTA 9 10/3/2019 1,925.70
R= Ai 10 11/3/2019 1,978.08
1-(1+i)^-n 11 12/3/2019 2,031.88
12 1/3/2020 2,087.15
R= 4,080.00 13 2/3/2020 2,143.92
0.72 14 3/3/2020 2,202.23
R= 5,666.67 15 4/3/2020 2,262.13
16 5/3/2020 2,323.66
17 6/3/2020 2,386.87
18 7/3/2020 2,451.79
19 8/3/2020 2,518.48
20 9/3/2020 2,586.98
21 10/3/2020 2,657.35
22 11/3/2020 2,729.63
23 12/3/2020 2,803.87
24 1/3/2021 2,880.14
25 2/3/2021 2,958.48
26 3/3/2021 3,038.95
27 4/3/2021 3,121.61
28 5/3/2021 3,206.51
29 6/3/2021 3,293.73
30 7/3/2021 3,383.32
31 8/3/2021 3,475.35
32 9/3/2021 3,569.88
33 10/3/2021 3,666.98
34 11/3/2021 3,766.72
35 12/3/2021 3,869.17
36 1/3/2022 3,974.42
37 2/3/2022 4,082.52
38 3/3/2022 4,193.56
39 4/3/2022 4,307.63
40 5/3/2022 4,424.80
41 6/3/2022 4,545.15
42 7/3/2022 4,668.78
43 8/3/2022 4,795.77
44 9/3/2022 4,926.21
45 10/3/2022 5,060.21
46 11/3/2022 5,197.85
47 12/3/2022 5,339.23
48 1/3/2023 5,484.45
INTERES SALDO
CUOTA
PAGADO INSOLUTO
- - 150,000.00
4,080.00 5,633.63 148,446.37
4,037.74 5,633.63 146,850.48
3,994.33 5,633.63 145,211.18
3,949.74 5,633.63 143,527.29
3,903.94 5,633.63 141,797.61
3,856.89 5,633.63 140,020.87
3,808.57 5,633.63 138,195.81
3,758.93 5,633.63 136,321.10
3,707.93 5,633.63 134,395.40
3,655.55 5,633.63 132,417.33
3,601.75 5,633.63 130,385.45
3,546.48 5,633.63 128,298.30
3,489.71 5,633.63 126,154.38
3,431.40 5,633.63 123,952.15
3,371.50 5,633.63 121,690.02
3,309.97 5,633.63 119,366.36
3,246.76 5,633.63 116,979.49
3,181.84 5,633.63 114,527.70
3,115.15 5,633.63 112,009.23
3,046.65 5,633.63 109,422.24
2,976.29 5,633.63 106,764.90
2,904.01 5,633.63 104,035.27
2,829.76 5,633.63 101,231.40
2,753.49 5,633.63 98,351.26
2,675.15 5,633.63 95,392.79
2,594.68 5,633.63 92,353.84
2,512.02 5,633.63 89,232.23
2,427.12 5,633.63 86,025.72
2,339.90 5,633.63 82,731.99
2,250.31 5,633.63 79,348.67
2,158.28 5,633.63 75,873.32
2,063.75 5,633.63 72,303.44
1,966.65 5,633.63 68,636.47
1,866.91 5,633.63 64,869.75
1,764.46 5,633.63 61,000.57
1,659.22 5,633.63 57,026.16
1,551.11 5,633.63 52,943.64
1,440.07 5,633.63 48,750.07
1,326.00 5,633.63 44,442.45
1,208.83 5,633.63 40,017.65
1,088.48 5,633.63 35,472.50
964.85 5,633.63 30,803.72
837.86 5,633.63 26,007.95
707.42 5,633.63 21,081.73
573.42 5,633.63 16,021.53
435.79 5,633.63 10,823.68
294.40 5,633.63 5,484.45
149.18 5,633.63 0.00
 EJERCICIO B

capital
COUTA fecha pagado
0 1/3/2019 0.00
paso 1 valor del activo 1 2/3/2019 1053.31
activo 150000 2 3/3/2019 1081.96
valor de venta 127118.64 3 4/3/2019 1111.39
igv 22881.36 4 5/3/2019 1141.62
5 6/3/2019 1172.67
paso 2 couta inicial 6 7/3/2019 1204.57
C.I. 20% 7 8/3/2019 1237.33
valor de venta 127118.64 8 9/3/2019 1270.99
C.I. 25423.73 9 10/3/2019 1305.56
IGV 4576.27 10 11/3/2019 1341.07
TOTAL 30000 11 12/3/2019 1377.55
12 1/3/2020 1415.01
PASO 3 MONTO A FIMANCIAR 13 2/3/2020 1453.50
14 3/3/2020 1493.04
valor de venta 127118.64 15 4/3/2020 1533.65
C.I. 25423.73 16 5/3/2020 1575.36
A= 101694.91 17 6/3/2020 1618.21
18 7/3/2020 1662.23
PASO 4 VERIFICACION DE TASAS 19 8/3/2020 1707.44
20 9/3/2020 1753.88
TAE 38% 0.38 21 10/3/2020 1801.59
N 4 AÑOS 22 11/3/2020 1850.59
PAGO MENSUAL 48 MESES 23 12/3/2020 1900.93
I= 0.0272 24 1/3/2021 1952.63
25 2/3/2021 2005.75
26 3/3/2021 2060.30
PASO 5 MERCED CONDUCTIVA 27 4/3/2021 2116.34
28 5/3/2021 2173.91
R= 3819.41 29 6/3/2021 2233.04
30 7/3/2021 2293.78
PASO 6 COUTA MENSUAL 31 8/3/2021 2356.17
32 9/3/2021 2420.25
MERCED 3819.41 33 10/3/2021 2486.09
IGV 687.4938 34 11/3/2021 2553.71
 total 4506.9038 35 12/3/2021 2623.17
36 1/3/2022 2694.52
PASO 6 COMISION DE ESTRUCTIURACION 37 2/3/2022 2767.81
38 3/3/2022 2843.09
PRECIO 150000 39 4/3/2022 2920.43
C.E. 1% 40 5/3/2022 2999.86
total 1500 41 6/3/2022 3081.46
IGV 270 42 7/3/2022 3165.27
total 1770 43 8/3/2022 3251.37
44 9/3/2022 3339.81
45 10/3/2022 3430.65
46 11/3/2022 3523.96
47 12/3/2022 3619.81
48 1/3/2023 3718.27
B

MERCED COUTA SALDO

INTERES PAGADO IGV PORTES
CONDUCTIVA MENSUAL INSOLUTO
0 0 0 0 0 101694.91
2766.1 3819.41 687.49 0 4506.9 100641.60
2737.45 3819.41 687.49 0 4506.9 99559.64
2708.02 3819.41 687.49 0 4506.9 98448.25
2677.79 3819.41 687.49 0 4506.9 97306.63
2646.74 3819.41 687.49 0 4506.9 96133.96
2614.84 3819.41 687.49 0 4506.9 94929.39
2582.08 3819.41 687.49 0 4506.9 93692.06
2548.42 3819.41 687.49 0 4506.9 92421.07
2513.85 3819.41 687.49 0 4506.9 91115.51
2478.34 3819.41 687.49 0 4506.9 89774.44
2441.86 3819.41 687.49 0 4506.9 88396.89
2404.4 3819.41 687.49 0 4506.9 86981.88
2365.91 3819.41 687.49 0 4506.9 85528.38
2326.37 3819.41 687.49 0 4506.9 84035.34
2285.76 3819.41 687.49 0 4506.9 82501.69
2244.05 3819.41 687.49 0 4506.9 80926.33
2201.2 3819.41 687.49 0 4506.9 79308.12
2157.18 3819.41 687.49 0 4506.9 77645.89
2111.97 3819.41 687.49 0 4506.9 75938.45
2065.53 3819.41 687.49 0 4506.9 74184.57
2017.82 3819.41 687.49 0 4506.9 72382.98
1968.82 3819.41 687.49 0 4506.9 70532.39
1918.48 3819.41 687.49 0 4506.9 68631.46
1866.78 3819.41 687.49 0 4506.9 66678.83
1813.66 3819.41 687.49 0 4506.9 64673.08
1759.11 3819.41 687.49 0 4506.9 62612.78
1703.07 3819.41 687.49 0 4506.9 60496.44
1645.5 3819.41 687.49 0 4506.9 58322.53
1586.37 3819.41 687.49 0 4506.9 56089.49
1525.63 3819.41 687.49 0 4506.9 53795.71
1463.24 3819.41 687.49 0 4506.9 51439.54
1399.16 3819.41 687.49 0 4506.9 49019.29
1333.32 3819.41 687.49 0 4506.9 46533.20
1265.7 3819.41 687.49 0 4506.9 43979.49
1196.24 3819.41 687.49 0 4506.9 41356.32
1124.89 3819.41 687.49 0 4506.9 38661.80
1051.6 3819.41 687.49 0 4506.9 35893.99
976.32 3819.41 687.49 0 4506.9 33050.90
898.98 3819.41 687.49 0 4506.9 30130.47
819.55 3819.41 687.49 0 4506.9 27130.61
737.95 3819.41 687.49 0 4506.9 24049.15
654.14 3819.41 687.49 0 4506.9 20883.88
568.04 3819.41 687.49 0 4506.9 17632.51
479.6 3819.41 687.49 0 4506.9 14292.70
388.76 3819.41 687.49 0 4506.9 10862.05
295.45 3819.41 687.49 0 4506.9 7338.09
199.6 3819.41 687.49 0 4506.9 3718.28
101.14 3819.41 687.49 0 4506.9 0.01
 ANALISIS

LA MEJOR DECISIÓN QUE SE TIENE QUE TOMAR PARA ADQUIRIR EL

VEHICULO ES MEDIANTE LEASING ,YA QUE MEDIANTE ESTE PRODUCTO
SE GENERA UN BENEFICIO DE PAGAR MENOS IMPUESTO A LA RENTA
E IGV. DE ESTA FORMA PERMITE ESTE PRODUCTO AUMENTAR LA
PRODUCCION SIN ENDEUDARNOS Y SIN NECESIDAD DE UTILIZAR
MUCHOS RECURSOS ECONOMICOS. YA QUE PODEMOS OBSERVAR CON
ELLO LAS TABLAS DE NUESTRACUOTA MENSUAL SON MONTOS
MENORES QUE EL CREDITO .