3.

8
1.50% mes
TNA 18.00%
TEA 19.56%

3.9 4% Semestral 0.26824179

TNA 8.00%
TEA 8.16%

3.10 TNS 12% 0.06

TEA 12.36%

3.11 TNA 16% 0.04

Capital Trimestral
TEA 16.99%

3.28 Plazo 8 años

Depósito 2500
TNA 8% 0.04 Acumula VF S/. 4,682.45
CAPIT sem
TEA 8.16%

3.29 Automovil 5500 0 -5500

Pagos 200 1 200
Plazo 36 meses 2 200
3 200
TEM 1.53503% TEA 20.06% 4 200
TNM 1.53503% TNA 18.42040% 5 200
6 200
7 200
8 200
0.01535033 9 200
18.4204% 10 200
11 200
12 200
13 200
14 200
15 200
16 200
17 200
18 200
19 200
20 200
21 200
 22 200
23 200
24 200
25 200
26 200
27 200
28 200
29 200
30 200
31 200
32 200
33 200
34 200
35 200
36 200

3.3 Anualidad 300

Plazo 6 años 0
Inicio 3 meses 1 0
TNA 12% 2 300
Capital trimestral 3 300
TEA 12.55% 4 300
TET 3.00% 5 300
6 300
7 300
8 300
9 300
10 300
11 300
12 300
13 300
14 300
15 300
16 300
17 300
18 300
19 300
20 300
21 300
22 300
23 300
24 300

3.31 Deposito 75 mensual

Plazo 10 años 120
 TNA 12% S/. 17,252.90
Capital mensual
TEA 12.68%
TEM 1.00%

3.32 Prestamo 3000

Plazo 2 años 24 S/. 141.22
Tasa 1%

3.33 Plazo 12 años

VF 9500
VA ? VA S/. 4,673.37
TNA 6% 0.03
Capital Semestral
TEA 6.09%

Años
3.34 VF 10000 Hoy VP1 10000
VF 6000 8 años VP2 3726
VF 9000 12 años VP3 4404
TNA 6% 0.015
Capital Trimest
TEA 6.14%

3.37 TES 4%
TEM 0.66%

3.38 Invers 14000 S/. 546.98

Plazo 30 meses
TNA 12.68% 0.010566667
Capitaliz mensualmente
TEA 13.4435%
TEM 1.06%

3.39 Gano 45000 S/. 392.28

Plazo 15 años
TNA 7% 0.0175
TEA 7.19%
vf 10000

3.4 Plazo 20 años 40 semest

TNA 5% 0.025
Capital Semest S/. 1,434.10
 TEA 5.06%
TES 2.50%
Fondo 36000

FRC 0.0671266
1.68506384
0.03983623
1434.10439

3.41 Credito 2000

Plazo 1 año FRC 0.0112682503
Tasa 1% mensual 0.1268250301
Factor 0.0888487887
177.69757736

3.42 VF 5000
Plazo 5 años 60 meses
TNA 6% 0.000166667 S/. 71.64
Capitaliz diaria
TEA 6.18%
TEM 0.5012% 6.18%
0.5010%
VP S/. 4,789.40

VF_1 S/. 4,933.08

S/. 320.02

0.97358651
0.0592076
16.4436084
4933.08252

2.30038689
230.038689
17252.9017
 2.30038689
230.038689
17252.90

0.01269735 0.01270
0.26973465 0.26973465
0.04707347 0.04707347
141.22

141.220417

4673.3705

4673.3705

0.66%

6.1364%

4402.44065

0.9998%
7%

1.83181628
3.92%
392.28

TEA 5.06%
TES 2.50%
0.12682503 0.01126825
1% 0.12682503
12.682503 0.08884879
2253.65006
177.697577

0.12682503
1%
12.682503
2253.65006
0.50%
0.34885015
0.0143328
71.6640076
19
0 -100000 -100,000
1 70000 40,000
2 55000 50,000
3 40000 85,000

21 Activo 900000
Depreciacion 300000
Impuest 40%

Flujo de c aja
0
Inversion -900000
Ingresos
Egresos
Flujo
Depreciacion
Flujo antes Imp
Impuestos 40%
Fujo desp. Imp
Flujo de caja Econ -900000
Flujo de caja real -900000

12% TIR 23.38%

TIR -3.61%

40.0% S/.715,014.58
-S/.184,985.42
1.4336
22
Inversion 7000000 Var. de Precios
Prestamo 2000000
Tasa 38% Produccion
Plazo 3 años Precio
Capacidad 20000 unid Ingresos
1er 40% Materia Prima
2do 50% Sueldos
3er 75% Egresos
4to 90% Flujo
5to 100% Depreciacion
Flujo para Impuestos
Impuestos
Flujo despues de Imp.
Flujo + Deprec
Amortización
Interés
Esc. Trib. del Interés
Flujo de Caja Neto

TIR

Tasa de Inflación 25% Flujo de Caja Neto

TIR

Prestamo 2000000
Plazo 3 años
Tasa 38%

FRC 0.99866736
1.628072
0.61340491
Cuota 1,226,810
 tasas VNA VNA
5% S/. 151,106.79 S/. 156,872.91
10% S/. 139,143.50 S/. 141,547.71
14.5% S/. 129,733.99 S/. 129,696.85
15.0% S/. 128,758.12 S/. 128,478.67
20% S/. 119,675.93 S/. 117,245.37
tasas VAN VAN
5% S/. 51,106.79 56,872.91
10% S/. 39,143.50 41,547.71
14.5% S/. 29,733.99 29,696.85
15.0% S/. 28,758.12 28,478.67
20% S/. 19,675.93 17,245.37

1 2 3

650000 7E+05 650000

100000 1E+05 100000
550000 6E+05 550000
-300000-3E+05 -300000
250000 3E+05 250000
100000 1E+05 100000
150000 2E+05 150000
450000 5E+05 450000
351563 ### 214577

VAN ### ###

VANR ### ###

TASA VAN
23% 5 -900 450 450 450
24% (8)
 1,000 1,100 1,210
0 1 2 3
8,000 10,000 15,000
2,000 2,000 2,400
16,000,000 20,000,000 36,000,000
1,000 10% 8,000,000 11,000,000 18,150,000
2,500,000 20% 2,500,000 3,000,000 3,600,000
10,500,000 14,000,000 21,750,000
5,500,000 6,000,000 14,250,000
5,000,000 2,000,000 1,500,000 1,500,000
3,500,000 4,500,000 12,750,000
30% 1,050,000 1,350,000 3,825,000
2,450,000 3,150,000 8,925,000
4,450,000 4,650,000 10,425,000
38% 466,810 644,198 888,993
760,000 582,612 337,817
228,000 174,784 101,345
-5,000,000 3,451,190 3,597,974 9,299,535

95.468%

-5,000,000 2,760,952 2,302,703 4,761,362

56.4%

Periodo Saldo Amortizacion Interes Cuota

0 2000000
1 ### 466,810 760,000 1,226,810
2 888,993 644,198 582,612 1,226,810
3 0 888,993 337,817 1,226,810
DIF VAN
-5,766
-2,404
37
279
2,431
 1,331 1,464
4 5
18,000 20,000
2,400 2,400
43,200,000 48,000,000
23,958,000 29,282,000
4,320,000 5,184,000
28,278,000 34,466,000
14,922,000 13,534,000
0 0
14,922,000 13,534,000
4,476,600 4,060,200
10,445,400 9,473,800
10,445,400 9,473,800

10,445,400 9,473,800

4,278,436 3,104,375
11
Contado 900000 0.41059876
Dscto 10% 0.04937096
Precio 810000 8.31660532
523,946

Credito
Inicial 40% 360000 0 -540000
Plazo 10 meses 1 63000
Cuotas 63000 2 63000
Tasa 3.50% 3 63000
4 63000
5 63000
6 63000
7 63000
8 63000
9 63000
10 63000
VA S/. 523,946.14
S/. 883,946.14
Credito
 0 1 2 3 4 5
2200 2640 3168 3802 4562
1500
600 600 600
1500 1950 2535 3296 4284
2100 2550 3135 3296 4284
-2000 100 90 33 506 1778

5.173%

0 -100 S/. 99.00

1 224 S/. 99.95
2 -125 S/. 100.00
S/. 100.26
S/. 100.00
S/. 99.20
S/. 98.34

3.50%
 0 -800000
1 -3000
2 -3000
3 -3000
4 -3000
5 -3000
6 -3000
7 -3000
8 -3000
9 -3000
10 -3000
11 -3000
12 -3000
13 -5000
14 -5000
15 -5000
16 -5000
17 -5000
18 -5000
19 -5000
20 -5000
21 -5000
22 -5000
23 -5000
24 495000
 Chart Title
S/. 0.50

S/. 0.00
0% 5% 5% 15% 19% 2

S/. -0.50
Axis Title
S/. -1.00

S/. -1.50

S/. -2.00

S/. -1.00 0%
S/. -0.05 5%
S/. -0.00 5.367%
S/. 0.26 15%
S/. -0.00 18.638%
S/. -0.80 25%
S/. -1.66 30%
S/. 158,013.40 0
1 25000
S/. -641,986.60 2 25000 S/. 433,434.36
3 25000
4 25000
5 25000
6 25000
7 25000
8 25000
9 25000
10 25000
11 25000
12 25000
13 30000
14 30000
15 30000
16 30000
17 30000
18 30000
19 30000
20 30000
21 30000
22 30000
23 30000
24 30000
 Chart Title

5% 5% 15% 19% 25% 30%

Column H