350 100%

X 40%

X = 140

vp -140 -140 -140 -140 -140 -140 -140

i 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
n 23 22 21 20 19 18 17
vf S/247.05 S/241.02 S/235.14 S/229.41 S/223.81 S/218.35 S/213.03

-140 -140 -140 -140 -140 -140 -140

2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
13 12 11 10 9 8 7
S/192.99 S/188.28 S/183.69 S/179.21 S/174.84 S/170.58 S/166.42

-140 -140 -140 -140

2.5% 2.5% 2.5% 2.5%
3 2 1 0
S/150.76 S/147.09 S/143.50 S/140.00

S/4,528.87

Rpta: El total ahorrado durante los dos años es S/. 4528.87

 -140 -140 -140
2.5% 2.5% 2.5%
16 15 14
S/207.83 S/202.76 S/197.82

-140 -140 -140

2.5% 2.5% 2.5%
6 5 4
S/162.36 S/158.40 S/154.53

60.90%
vp 260 260 260 260 260
i 3% 3% 3% 3% 3%
n 1 2 3 4 5
vf -S/252.43 -S/245.07 -S/237.94 -S/231.01 -S/224.28

260 260 260 260 260

3% 3% 3% 3% 3%
11 12 13 14 15
-S/187.83 -S/182.36 -S/177.05 -S/171.89 -S/166.88

-S/3,575.91 VALOR ACTUAL DE LAS 18 CUOTAS (AL FINAL DEL MES 4)

S/3,272.47 VALOR ACTUAL AL FINAL DEL MES 1
 260 260 260 260 260
3% 3% 3% 3% 3%
6 7 8 9 10
-S/217.75 -S/211.40 -S/205.25 -S/199.27 -S/193.46

260 260 260

3% 3% 3%
16 17 18
-S/162.02 -S/157.30 -S/152.72

-S/3,575.91

S/ 3,272.47
VA 100
n 10
i 5%
VF -S/ 162.89
Vp -500 -500 -500 -500 -500 -500 -500
i 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
n 29 28 27 26 25 24 23
Vf S/ 1,023.20 S/ 998.25 S/ 973.90 S/ 950.15 S/ 926.97 S/ 904.36 S/ 882.31

-500 -500 -500 -500 -500 -500 -500

2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
19 18 17 16 15 14 13
S/ 799.33 S/ 779.83 S/ 760.81 S/ 742.25 S/ 724.15 S/ 706.49 S/ 689.26

-500 -500 -500 -500 -500 -500 -500

2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
9 8 7 6 5 4 3
S/ 624.43 S/ 609.20 S/ 594.34 S/ 579.85 S/ 565.70 S/ 551.91 S/ 538.45

-700 -700 -700 -700 -700 -700 -700

2.0% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
29 28 27 26 25 24 23
S/ 1,243.09 S/ 1,218.72 S/ 1,194.82 S/ 1,171.39 S/ 1,148.42 S/ 1,125.91 S/ 1,103.83

-700 -700 -700 -700 -700 -700 -700

2.0% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
19 18 17 16 15 14 13
S/ 1,019.77 S/ 999.77 S/ 980.17 S/ 960.95 S/ 942.11 S/ 923.64 S/ 905.52

-700 -700 -700 -700 -700 -700 -700

2.0% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
9 8 7 6 5 4 3
S/ 836.56 S/ 820.16 S/ 804.08 S/ 788.31 S/ 772.86 S/ 757.70 S/ 742.85
 -500 -500 -500
2.5% 2.5% 2.5%
22 21 20
S/ 860.79 S/ 839.79 S/ 819.31

-500 -500 -500

2.5% 2.5% 2.5%
12 11 10
S/ 672.44 S/ 656.04 S/ 640.04

-500 -500 -500

2.5% 2.5% 2.5%
2 1 0
S/ 525.31 S/ 512.50 S/ 500.00
S/ 21,951.35
-700 -700 -700
2.0% 2.0% 2.0% monto total de los $500 despues de los 2.5
22 21 20 años es de S/. 21,951.35
S/ 1,082.19 S/ 1,060.97 S/ 1,040.16

-700 -700 -700

2.0% 2.0% 2.0%
12 11 10
S/ 887.77 S/ 870.36 S/ 853.30

-700 -700 -700

2.0% 2.0% 2.0%
2 1 0
S/ 728.28 S/ 714.00 S/ 700.00
S/ 28,397.66

monto total de los $700 despues de los 2.5

años es de S/. 28,397.66
 S/ 39,761.83

monto total de los $21,951.35 despues de los

2.5 años es de S/. 39,761.83

S/ 68,159.49

monto total de los ahorros despues de los 5

años es de S/. 68,159.49
Principal 9143.85
i 3.30%
Factor
0 9143.85
1 0.96805421
2 0.93712896
3 0.90719163
4 0.87821068
5 0.85015555
6 0.82299666
7 0.79670538
8 0.771254
9 0.74661568
10 0.72276445
11 0.69967517
12 0.6773235
13 0.65568586
14 0.63473946
15 0.61446221
16 0.59483273
17 0.57583033
18 0.55743497
19 0.53962727
20 0.52238845
21 0.50570034
22 0.48954535
23 0.47390643
24 0.45876712
25 0.44411144
26 0.42992395
27 0.41618969
28 0.40289418
29 0.39002341
30 0.37756381
31 0.36550223
 32 0.35382597
33 0.34252272
34 0.33158057
35 0.32098796
36 0.31073375
Total factores 20.8868561

Cuota 437.780103
n 16
i 3.30%
VA -S/ 5,374.97 Monto para cancelar la deuda
Caso A:
Valor presente:
Vf -400 -400 -400 -400 -400 -400 -400
i 10% 10% 10% 10% 10% 10% 10%
n 1 2 3 4 5 6 7
Vp S/ 363.64 S/ 330.58 S/ 300.53 S/ 273.21 S/ 248.37 S/ 225.79 S/ 205.26

Rpta: El valor presente en el caso A es de S/. 2,457.83

Valor futuro:
Vp -400 -400 -400 -400 -400 -400 -400
i 10% 10% 10% 10% 10% 10% 10%
n 9 8 7 6 5 4 3
Vf S/ 943.18 S/ 857.44 S/ 779.49 S/ 708.62 S/ 644.20 S/ 585.64 S/ 532.40

Rpta: El valor futuro en el caso A es de S/. 6,374.97

Caso B:
Valor presente:
Vf -200 -200 -200 -200 -200
i 8% 8% 8% 8% 8%
n 1 2 3 4 5
Vp S/ 185.19 S/ 171.47 S/ 158.77 S/ 147.01 S/ 136.12

Rpta: El valor presente en el caso B es de S/. 798.54 S/ 798.54 OK

Valor futuro:
Vp -200 -200 -200 -200 -200
i 8% 8% 8% 8% 8%
n 4 3 2 1 0
Vf S/ 272.10 S/ 251.94 S/ 233.28 S/ 216.00 S/ 200.00

Rpta: El valor presente en el caso B es de S/. 1,173.32 S/ 1,173.32 OK

 -400 -400 -400
10% 10% 10%
8 9 10
S/ 186.60 S/ 169.64 S/ 154.22

S/ 2,457.83 OK.

-400 -400 -400

10% 10% 10%
2 1 0
S/ 484.00 S/ 440.00 S/ 400.00

S/ 6,374.97 REVISAR
Vf -1200 -1200 -1200 -1200 -1200 -1200 -1200
i 2% 2% 2% 2% 2% 2% 2%
n 1 2 3 4 5 6 7
Vp S/ 1,176.47 S/ 1,153.40 S/ 1,130.79 S/ 1,108.61 S/ 1,086.88 S/ 1,065.57 S/ 1,044.67

El precio al contado del bien es de S/. 10,779.10.

 -1200 -1200 -1200
2% 2% 2%
8 9 10
S/ 1,024.19 S/ 1,004.11 S/ 984.42

S/ 10,779.10
Vp -1500 -1500 -1500 -1500 -1500 -1500 -1500
i 3% 3% 3% 3% 3% 3% 3%
n 9 8 7 6 5 4 3
Vf S/ 1,957.16 S/ 1,900.16 S/ 1,844.81 S/ 1,791.08 S/ 1,738.91 S/ 1,688.26 S/ 1,639.09

Rpta: El valor futuro de los depositos durante 10 meses es de S/. 17,195.82

 -1500 -1500 -1500
3% 3% 3%
2 1 0
S/ 1,591.35 S/ 1,545.00 S/ 1,500.00

S/ 17,195.82