SISTEMA DE AMORTIZACION FRANCES

EJERCICIO 12

VA: S/. 250,000.00

i: 10% anual
n: 5 años

SALDO
PERIODO SALDO INICIAL INTERES AMORTIZACION PAGO FINAL
00 S/. 250,000.00 S/. - S/. - S/. - S/. 250,000.00
001 S/. 250,000.00 S/. 25,000.00 S/. 40,949.37 S/. 65,949.37 S/. 209,050.63
002 S/. 209,050.63 S/. 20,905.06 S/. 45,044.31 S/. 65,949.37 S/. 164,006.32
003 S/. 164,006.32 S/. 16,400.63 S/. 49,548.74 S/. 65,949.37 S/. 114,457.58
004 S/. 114,457.58 S/. 11,445.76 S/. 54,503.61 S/. 65,949.37 S/. 59,953.97
005 S/. 59,953.97 S/. 5,995.40 S/. 59,953.97 S/. 65,949.37 S/. -
 FECHA
PAGO
7/5/2016
1/15/2017
7/15/2017
1/15/2018
7/15/2018
1/15/2019
EJERCICIO 13
SISTEMA DE AMORTIGUACION ALEMAN
VA: S/. 5,000.00
i: 7.5% TEA TEM 0.604%
n: 24 meses

SALDO FECHA
PERIODO SALDO INICIAL INTERES AMORTIZACION PAGO FINAL PAGO
00 S/. 5,000.00 S/. - S/. - S/. - S/. 5,000.00 8/20/2015
001 S/. 5,000.00 S/. 30.22 S/. 208.33 S/. 238.56 S/. 4,791.67 9/20/2015
002 S/. 4,791.67 S/. 28.97 S/. 208.33 S/. 237.30 S/. 4,583.33 10/20/2015
003 S/. 4,583.33 S/. 27.71 S/. 208.33 S/. 236.04 S/. 4,375.00 11/20/2015
004 S/. 4,375.00 S/. 26.45 S/. 208.33 S/. 234.78 S/. 4,166.67 12/20/2015
005 S/. 4,166.67 S/. 25.19 S/. 208.33 S/. 233.52 S/. 3,958.33 1/20/2016
006 S/. 3,958.33 S/. 23.93 S/. 208.33 S/. 232.26 S/. 3,750.00 2/20/2016
007 S/. 3,750.00 S/. 22.67 S/. 208.33 S/. 231.00 S/. 3,541.67 3/20/2016
008 S/. 3,541.67 S/. 21.41 S/. 208.33 S/. 229.74 S/. 3,333.33 4/20/2016
009 S/. 3,333.33 S/. 20.15 S/. 208.33 S/. 228.48 S/. 3,125.00 5/20/2016
010 S/. 3,125.00 S/. 18.89 S/. 208.33 S/. 227.22 S/. 2,916.67 6/20/2016
011 S/. 2,916.67 S/. 17.63 S/. 208.33 S/. 225.96 S/. 2,708.33 7/20/2016
012 S/. 2,708.33 S/. 16.37 S/. 208.33 S/. 224.70 S/. 2,500.00 8/20/2016
013 S/. 2,500.00 S/. 15.11 S/. 208.33 S/. 223.45 S/. 2,291.67 9/20/2016
014 S/. 2,291.67 S/. 13.85 S/. 208.33 S/. 222.19 S/. 2,083.33 10/20/2016
015 S/. 2,083.33 S/. 12.59 S/. 208.33 S/. 220.93 S/. 1,875.00 11/20/2016
016 S/. 1,875.00 S/. 11.33 S/. 208.33 S/. 219.67 S/. 1,666.67 12/20/2016
017 S/. 1,666.67 S/. 10.07 S/. 208.33 S/. 218.41 S/. 1,458.33 1/20/2017
018 S/. 1,458.33 S/. 8.82 S/. 208.33 S/. 217.15 S/. 1,250.00 2/20/2017
019 S/. 1,250.00 S/. 7.56 S/. 208.33 S/. 215.89 S/. 1,041.67 3/20/2017
020 S/. 1,041.67 S/. 6.30 S/. 208.33 S/. 214.63 S/. 833.33 4/20/2017
021 S/. 833.33 S/. 5.04 S/. 208.33 S/. 213.37 S/. 625.00 5/20/2017
022 S/. 625.00 S/. 3.78 S/. 208.33 S/. 212.11 S/. 416.67 6/20/2017
023 S/. 416.67 S/. 2.52 S/. 208.33 S/. 210.85 S/. 208.33 7/20/2017
024 S/. 208.33 S/. 1.26 S/. 208.33 S/. 209.59 S/. - 8/20/2017
EJERCICIO 14
SISTEMA DE AMORTIZACION AMERICANO
VA: S/. 42,000.00
i: 8.10% TEA TEM 0.651%
n: 30 AÑOS A MES

2/1/2016

SALDO
PERIODO SALDO INICIAL INTERES AMORTIZACION PAGO FINAL
00 S/. 42,000.00 S/. - S/. - S/. - S/. 42,000.00
001 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
002 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
003 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
004 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
005 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
006 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
007 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
008 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
009 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
010 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
011 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
012 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
013 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
014 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
015 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
016 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
017 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
018 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
019 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
020 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
021 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
022 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
023 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
024 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
025 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
026 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
027 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
028 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
029 S/. 42,000.00 S/. 3,402.00 S/. - S/. 3,402.00 S/. 42,000.00
030 S/. 42,000.00 S/. 3,402.00 S/. 42,000.00 S/. 45,402.00 S/. -
FECHA PAGO

2/1/2016
3/31/2016
4/30/2016
5/31/2016
6/30/2016
7/31/2016
8/31/2016
9/30/2016
10/31/2016
11/30/2016
12/31/2016
1/31/2017
2/28/2017
3/31/2017
4/30/2017
5/31/2017
6/30/2017
7/31/2017
8/31/2017
9/30/2017
10/31/2017
11/30/2017
12/31/2017
1/31/2018
2/28/2018
3/31/2018
4/30/2018
5/31/2018
6/30/2018
7/31/2018
8/31/2018
EJERCICIO 01

VALORIZADO S/. 37,500.00

VA: S/. 15,000.00

C S/. 1,000.00
n: 12
i 6%
VF S/. 47,052.89

Rpta: pagar al contado

EJERCICIO 02

C: S/.10,000.00 ANUALES
n: 12 AÑOS
i: 2.50% TNA
VF: S/.137,955.53 ��=�[((1+�)^𝑛−1)/�]
S/. 137,955.53
EJERCICIO 03

C: S/.5,000.00 SEMESTRALMENTE
n: 7 AÑOS A SEMESTRES
i: 18.00% SEMESTRALMENTE
VF: S/.60,707.61
EJERCICIO 04

VF: S/.35,200.00
C: 800 CADA MEDIO AÑO 𝑛=log⁡[(��/�∗�)
+1]/log⁡[1+�]⁡
i: 5.00% SEMESTRALMENTE
n: S/.23.84 semestres
EJERCICIO 05

C: S/.519.98 ANUALMENTE
n: 10 años
i: 9.00% TNS A TNA
VF: S/.7,900.00
EJERCICIO 06

�_�=√(𝑛& 〖 1+�
R: S/. 2,500.00SEMESTRALMENTES
i: 6.00% TEA TES 2.96%
〗 _𝑒⁡)−1
VAP: S/. 84,565.13

���=𝑅[1/�]
√(𝑛& 〖 1+�
⁡)−1

=𝑅[1/�]
EJERCICIO 07

R: S/. 850.00 MENSUAL

i: 4.23% TEA TEM 0.3458%
VAP: S/. 245,774.78

���=𝑅[1/�]
EJERCICION 08

Ra: S/. 5,200.00 TRIMESTRALMENTE

i: 8.20% TEA TET 1.99%
VAP: S/. 266,530.48

���=𝑅_𝑎⁡
[((1+�))/�]
EJERCICIO 09

Ra: S/. 4,889.80

i: 22.00% TEA TEB 3.370%
VAP: S/. 150,000.00

LA RENTA GENERADA EN FORMA PERPETUA ES 4889.80

EJERCICIO 10

Ra: S/. 3,500.00

R: S/. 1,800.00 MENSUAL
i: 10% TEA ���=𝑅_𝑎+[𝑅/�]
0.797% TEM
VAP: S/. 229,229.66
EJERCICIO 11

Ra: S/. 5,000.00 MENSUAL

5% TEA ���=𝑅_𝑎⁡
i:
0.407% TEM [((1+�))/�]
VAP: S/. 1,234,663.04