4.

Un préstamo de 25 000 se cancelará mediante el pago de 40 cuotas fijas quincenales a

respectivas funciones financieras: a) Calcular el valor de la cuota fija. b) Determinar el int
cuota 13. c) Calcular el saldo de la deuda luego de efectuar el pago de la cuota 20. d) Elab
comprobar las respuestas anteriores.

N PRIODOS 40
PRESTAMO 25000 TASA SEMESTRAL 10%
TASA QUINCENAL 0.797%

A) CUOTA S/ 732.43
B) INTERÉS AMORTIZACIÓN
C)
D) CRONOGRAMA DE PAGOS
Nº Cuota Amortización Interés Cuota Saldo
0 25000.00
1 S/ 533.08 199.3535 S/ 732.43 S/ 24,466.92
2 S/ 537.33 195.1026 S/ 732.43 S/ 23,929.59
3 S/ 541.62 190.8179 S/ 732.43 S/ 23,387.97
4 S/ 545.94 186.499 S/ 732.43 S/ 22,842.04
5 S/ 550.29 182.1456 S/ 732.43 S/ 22,291.75
6 S/ 554.68 177.7575 S/ 732.43 S/ 21,737.07
7 S/ 559.10 173.3344 S/ 732.43 S/ 21,177.97
8 S/ 563.56 168.8761 S/ 732.43 S/ 20,614.41
9 S/ 568.05 164.3822 S/ 732.43 S/ 20,046.36
10 S/ 572.58 159.8525 S/ 732.43 S/ 19,473.78
11 S/ 577.15 155.2866 S/ 732.43 S/ 18,896.63
12 S/ 581.75 150.6844 S/ 732.43 S/ 18,314.88
13 S/ 586.39 146.0454 S/ 732.43 S/ 17,728.49
14 S/ 591.06 141.3695 S/ 732.43 S/ 17,137.43
15 S/ 595.78 136.6562 S/ 732.43 S/ 16,541.65
16 S/ 600.53 131.9054 S/ 732.43 S/ 15,941.12
17 S/ 605.32 127.1167 S/ 732.43 S/ 15,335.80
18 S/ 610.14 122.2898 S/ 732.43 S/ 14,725.66
19 S/ 615.01 117.4244 S/ 732.43 S/ 14,110.65
20 S/ 619.91 112.5203 S/ 732.43 S/ 13,490.73
21 S/ 624.86 107.577 S/ 732.43 S/ 12,865.87
22 S/ 629.84 102.5943 S/ 732.43 S/ 12,236.03
23 S/ 634.86 97.57186 S/ 732.43 S/ 11,601.17
24 S/ 639.93 92.50937 S/ 732.43 S/ 10,961.25
25 S/ 645.03 87.40652 S/ 732.43 S/ 10,316.22
26 S/ 650.17 82.26298 S/ 732.43 S/ 9,666.05
27 S/ 655.36 77.07842 S/ 732.43 S/ 9,010.69
28 S/ 660.58 71.85252 S/ 732.43 S/ 8,350.11
29 S/ 665.85 66.58495 S/ 732.43 S/ 7,684.26
30 S/ 671.16 61.27537 S/ 732.43 S/ 7,013.10
31 S/ 676.51 55.92345 S/ 732.43 S/ 6,336.59
32 S/ 681.91 50.52886 S/ 732.43 S/ 5,654.68
33 S/ 687.34 45.09125 S/ 732.43 S/ 4,967.34
34 S/ 692.82 39.61028 S/ 732.43 S/ 4,274.52
35 S/ 698.35 34.0856 S/ 732.43 S/ 3,576.17
36 S/ 703.92 28.51687 S/ 732.43 S/ 2,872.25
37 S/ 709.53 22.90373 S/ 732.43 S/ 2,162.72
38 S/ 715.19 17.24583 S/ 732.43 S/ 1,447.53
39 S/ 720.89 11.54282 S/ 732.43 S/ 726.64
40 S/ 726.64 5.79433 S/ 732.43 S/ 0.00
otas fijas quincenales a la tasa de 10% semestral. Usando las
a. b) Determinar el interés y la amortización incluida en la
o de la cuota 20. d) Elaborar el cronograma de pagos y
4. Un préstamo de 65000 se debe cancelar en 62 cuotas trimestrales iguales al 25% semestral. Si jun
con el pago de la cuota 27 se abona adicionalmente 12 500. Elaborar el cronograma de pagos
considerando el valor de ambas cuotas iguales en el plazo original. Utilice la opción buscar objetivo

N°PERIODOS 62 TASA semestral 25%

VA 65000 TASA trimestral 0.11803399

7607.19399
Nº Cuota Amortización Interés Cuota Saldo
0 65000
1 S/ -65.02 S/ 7,672.21 S/ 7,607.19 S/ 65,065.02
2 S/ -72.69 S/ 7,679.88 S/ 7,607.19 S/ 65,137.70
3 S/ -81.27 S/ 7,688.46 S/ 7,607.19 S/ 65,218.97
4 S/ -90.86 S/ 7,698.06 S/ 7,607.19 S/ 65,309.84
5 S/ -101.59 S/ 7,708.78 S/ 7,607.19 S/ 65,411.42
6 S/ -113.58 S/ 7,720.77 S/ 7,607.19 S/ 65,525.00
7 S/ -126.98 S/ 7,734.18 S/ 7,607.19 S/ 65,651.98
8 S/ -141.97 S/ 7,749.17 S/ 7,607.19 S/ 65,793.95
9 S/ -158.73 S/ 7,765.92 S/ 7,607.19 S/ 65,952.68
10 S/ -177.46 S/ 7,784.66 S/ 7,607.19 S/ 66,130.15
11 S/ -198.41 S/ 7,805.60 S/ 7,607.19 S/ 66,328.56
12 S/ -221.83 S/ 7,829.02 S/ 7,607.19 S/ 66,550.39
13 S/ -248.01 S/ 7,855.21 S/ 7,607.19 S/ 66,798.40
14 S/ -277.29 S/ 7,884.48 S/ 7,607.19 S/ 67,075.69
15 S/ -310.02 S/ 7,917.21 S/ 7,607.19 S/ 67,385.71
16 S/ -346.61 S/ 7,953.80 S/ 7,607.19 S/ 67,732.31
17 S/ -387.52 S/ 7,994.72 S/ 7,607.19 S/ 68,119.84
18 S/ -433.26 S/ 8,040.46 S/ 7,607.19 S/ 68,553.10
19 S/ -484.40 S/ 8,091.60 S/ 7,607.19 S/ 69,037.50
20 S/ -541.58 S/ 8,148.77 S/ 7,607.19 S/ 69,579.08
21 S/ -605.50 S/ 8,212.70 S/ 7,607.19 S/ 70,184.58
22 S/ -676.97 S/ 8,284.17 S/ 7,607.19 S/ 70,861.55
23 S/ -756.88 S/ 8,364.07 S/ 7,607.19 S/ 71,618.43
24 S/ -846.21 S/ 8,453.41 S/ 7,607.19 S/ 72,464.64
25 S/ -946.10 S/ 8,553.29 S/ 7,607.19 S/ 73,410.74
26 S/ -1,057.77 S/ 8,664.96 S/ 7,607.19 S/ 74,468.51
27 S/ 11,317.38 S/ 8,789.82 ### S/ 63,151.13
28 S/ 153.21 S/ 7,453.98 S/ 7,607.19 S/ 62,997.92
29 S/ 171.30 S/ 7,435.90 S/ 7,607.19 S/ 62,826.62
30 S/ 191.52 S/ 7,415.68 S/ 7,607.19 S/ 62,635.10
31 S/ 214.12 S/ 7,393.07 S/ 7,607.19 S/ 62,420.98
32 S/ 239.40 S/ 7,367.80 S/ 7,607.19 S/ 62,181.58
33 S/ 267.65 S/ 7,339.54 S/ 7,607.19 S/ 61,913.92
34 S/ 299.25 S/ 7,307.95 S/ 7,607.19 S/ 61,614.68
35 S/ 334.57 S/ 7,272.63 S/ 7,607.19 S/ 61,280.11
36 S/ 374.06 S/ 7,233.14 S/ 7,607.19 S/ 60,906.05
37 S/ 418.21 S/ 7,188.98 S/ 7,607.19 S/ 60,487.84
38 S/ 467.57 S/ 7,139.62 S/ 7,607.19 S/ 60,020.27
39 S/ 522.76 S/ 7,084.43 S/ 7,607.19 S/ 59,497.51
40 S/ 584.47 S/ 7,022.73 S/ 7,607.19 S/ 58,913.04
41 S/ 653.45 S/ 6,953.74 S/ 7,607.19 S/ 58,259.59
42 S/ 730.58 S/ 6,876.61 S/ 7,607.19 S/ 57,529.00
43 S/ 816.82 S/ 6,790.38 S/ 7,607.19 S/ 56,712.19
44 S/ 913.23 S/ 6,693.97 S/ 7,607.19 S/ 55,798.96
45 S/ 1,021.02 S/ 6,586.17 S/ 7,607.19 S/ 54,777.94
46 S/ 1,141.54 S/ 6,465.66 S/ 7,607.19 S/ 53,636.40
47 S/ 1,276.28 S/ 6,330.92 S/ 7,607.19 S/ 52,360.13
48 S/ 1,426.92 S/ 6,180.27 S/ 7,607.19 S/ 50,933.21
49 S/ 1,595.34 S/ 6,011.85 S/ 7,607.19 S/ 49,337.86
50 S/ 1,783.65 S/ 5,823.54 S/ 7,607.19 S/ 47,554.22
51 S/ 1,994.18 S/ 5,613.01 S/ 7,607.19 S/ 45,560.04
52 S/ 2,229.56 S/ 5,377.63 S/ 7,607.19 S/ 43,330.47
53 S/ 2,492.73 S/ 5,114.47 S/ 7,607.19 S/ 40,837.75
54 S/ 2,786.95 S/ 4,820.24 S/ 7,607.19 S/ 38,050.80
55 S/ 3,115.91 S/ 4,491.29 S/ 7,607.19 S/ 34,934.89
56 S/ 3,483.69 S/ 4,123.50 S/ 7,607.19 S/ 31,451.20
57 S/ 3,894.88 S/ 3,712.31 S/ 7,607.19 S/ 27,556.32
58 S/ 4,354.61 S/ 3,252.58 S/ 7,607.19 S/ 23,201.71
59 S/ 4,868.60 S/ 2,738.59 S/ 7,607.19 S/ 18,333.10
60 S/ 5,443.26 S/ 2,163.93 S/ 7,607.19 S/ 12,889.84
61 S/ 6,085.76 S/ 1,521.44 S/ 7,607.19 S/ 6,804.08
62 S/ 6,804.08 S/ 803.11 S/ 7,607.19 S/ 0.00
es al 25% semestral. Si junto
onograma de pagos
la opción buscar objetivo.
4. Determinar mediante solver cómo invertir hasta 100 000 en ninguna, algunas o todas las propues
independientes que siguen, con un rendimiento de 12% anual.
Proyecto Inversión Flujo neto de Vida,años Valor de
Inicial efectivo anual rescate
A 25 000 6 000 5 4 000
B 20 000 6 000 5 1 000
C 50 000 7 000 5 5 500
D 30 000 5 500 5 5 000

INVERTIR 100000
HASTA
TASA 12%

FLUJO
NETO DE VIDA, VALOR DE
INICIAL INICIAL EFECTIVO VAN valor
AÑOS RESCATE
ANUAL
A 25000 -6000 5 4000 S/7,010.13 0
B 20000 -6000 5 1000 -S/454.16 0
C 50000 -7000 5 5500 S/27,613.01 0
D 30000 -5500 5 5000 S/14,083.69 1
S/48,252.66

A B C
0 25000 20000 50000
1 -6000 -6000 -7000
2 -6000 -6000 -7000
3 -6000 -6000 -7000
4 -6000 -6000 -7000
5 -6000 -6000 -7000
, algunas o todas las propuestas

van inv

0 0
0 0
0 0
14083.6883 30000
30000

D
30000
-5500
-5500
-5500
-5500
-5500