Академический Документы
Профессиональный Документы
Культура Документы
S/. 2,000.00
TASA NOMINAL
4.60% ANUAL
INTERES A
112 DIAS
0.000127778 DIARIO
S/. 28.62
2 Usted abre un depsito de ahorros en dlares americanos con la suma de US$14.900,00
, el mismo que le ofrece una TEA del 2,90%. El da 65 usted decide retirar la suma de US$6.000,00,
cuando la TEA ya se haba incrementado a 3,30%.
Cul es el importe total de intereses que habr ganado, si retira el saldo del dinero a los 100 das de haber realizado el depsito? (3 Puntos)
DEPOSITO
TEA
RETIRO A 65 DIAS
TEA
SALDO
S/. 14,900.00
2.90%
S/. 6,000.00
3.30%
S/. 8,900.00
Importe
TEA
Aos
Meses
Equivalente Mensual
INTERES GANADO
14,900.00
2.90%
1
65
0.0051750
S/. 77.11
Importe
TEA
Aos
Meses
Equivalente Mensual
S/. 115.74
3.30%
1
65
0.0058793
INTERES GANADO
S/. 87.60
Importe
8,900.00
TEA
D
14,900.00
Aos
Meses
Equivalente Mensual
INTERES GANADO
3.30%
1
35
0.0031615
S/. 28.14
3
MONTO
TEA
X 3 LETRAS
S/. 2,700.00
20.50%
S/. 900.00
35 DIAS
Importe
900.00
TEA
20.50%
Aos
LETRA
35 DIAS
Meses
LETRA
45 DIAS
Equivalente Mensual
LETRA
90 DIAS
1
35
0.0182953
TOTAL LETRAS
S/. 80.64
Importe
900.00
TEA
20.50%
Aos
Meses
Equivalente Mensual
1
45
0.0235837
21.23
90 DIAS
Importe
900.00
TEA
20.50%
Aos
Meses
1
90
Equivalente Mensual
0.0477237
Importe
75,000.00
42.95
4
IMPORTE
TEA
VENCIMIENTO
COMISIONES , PORTES Y
S/. 75,000.00
14.00%
90 DIAS
S/. 56.30
TEA
Aos
Meses
14.00%
1
90
CF
0.0332995
0.032226363
S/. 2,416.9773
S/. 75,000.00
-S/. 2,416.98
-S/. 56.30
S/. 72,526.72
CF
0.0341016
CF
14.35%
5
0
-2399 PORTES
11.59
TIR
453.7 CUOTA
442.11
Ao
453.7
453.7
Equivalente 24
0.5527890165
453.7
Costo Fianciero
55.28%
453.7
453.7
Importe
675.00
TIR
453.7
Meses
0.0373517347
12
3.735173%
6
0
S/. -675.00
S/. 33.54
TEA
S/. 33.54
Aos
S/. 33.54
Meses
S/. 33.54
Equivalente Mensual
S/. 33.54
S/. 33.54
S/. 33.54
S/. 33.54
S/. 33.54
10
S/. 33.54
11
S/. 33.54
12
S/. 33.54
13
S/. 33.54
14
S/. 33.54
15
S/. 33.54
16
S/. 33.54
17
S/. 33.54
18
S/. 33.54
19
S/. 33.54
20
S/. 33.54
21
S/. 33.54
22
S/. 33.54
23
S/. 33.54
24
S/. 33.54
Cuota
19.00%
2
24
0.0146017
S/. 33.54
b. Cul es el costo financiero anual, si a cada cuota se le carga US$9,90 por concepto de gastos administrativos y otros. (2 Puntos)
0
9.90
TIR
0.0381576398
TIR
33.54
Ao
S/. 43.44
43.44
Meses
S/. 43.44
Equivalente 24
0.5673271313
S/. 43.44
Costo Fianciero
56.73%
S/. 43.44
S/. 43.44
S/. 43.44
S/. 43.44
S/. 43.44
10
S/. 43.44
11
S/. 43.44
12
S/. 43.44
13
S/. 43.44
14
S/. 43.44
15
S/. 43.44
16
S/. 43.44
17
S/. 43.44
18
S/. 43.44
19
S/. 43.44
20
S/. 43.44
21
S/. 43.44
22
S/. 43.44
23
S/. 43.44
24
S/. 43.44
3.81576%
1
12
S/. 2,000.00
TASA NOMINAL
4.60% ANUAL
INTERES A
112 DIAS
0.000127778 DIARIO
S/. 28.62
2 Usted abre un depsito de ahorros en dlares americanos con la suma de US$14.900,00
, el mismo que le ofrece una TEA del 2,90%. El da 65 usted decide retirar la suma de US$6.000,00,
cuando la TEA ya se haba incrementado a 3,30%.
Cul es el importe total de intereses que habr ganado, si retira el saldo del dinero a los 100 das de haber realizado el depsito? (3 Puntos)
DEPOSITO
TEA
RETIRO A 65 DIAS
TEA
SALDO
S/. 14,900.00
2.90%
S/. 6,000.00
3.30%
S/. 8,900.00
Importe
TEA
Aos
Meses
Equivalente Mensual
INTERES GANADO
14,900.00
2.90%
1
65
0.0051750
S/. 77.11
Importe
TEA
Aos
Meses
Equivalente Mensual
S/. 115.74
3.30%
1
65
0.0058793
INTERES GANADO
S/. 87.60
Importe
8,900.00
TEA
D
14,900.00
Aos
Meses
Equivalente Mensual
INTERES GANADO
3.30%
1
35
0.0031615
S/. 28.14
3
MONTO
TEA
X 3 LETRAS
S/. 2,700.00
35 DIAS
20.50%
S/. 900.00
Importe
900.00
TEA
20.50%
Aos
LETRA
35 DIAS
Meses
LETRA
45 DIAS
Equivalente Mensual
LETRA
90 DIAS
16.47
1
35
0.0182953
45 DIAS
TOTAL LETRAS
S/. 80.64
Importe
900.00
TEA
20.50%
Aos
Meses
Equivalente Mensual
1
45
0.0235837
21.23
90 DIAS
Importe
900.00
TEA
20.50%
Aos
Meses
1
90
Equivalente Mensual
0.0477237
Importe
75,000.00
42.95
4
IMPORTE
TEA
VENCIMIENTO
COMISIONES , PORTES Y
OTROS
S/. 75,000.00
14.00%
90 DIAS
S/. 56.30
TEA
Aos
Meses
14.00%
1
90
CF
0.0332995
0.032226363
S/. 2,416.9773
S/. 75,000.00
-S/. 2,416.98
-S/. 56.30
S/. 72,526.72
CF
0.0341016
CF
14.35%
5
0
-2399 PORTES
11.59
TIR
453.7 CUOTA
442.11
Ao
453.7
453.7
Equivalente 24
0.5527890165
453.7
Costo Fianciero
55.28%
453.7
Importe
675.00
TEA
19.00%
6
TIR
453.7
Meses
0.0373517347
12
453.7
3.735173%
6
0
S/. -675.00
S/. 33.54
S/. 33.54
Aos
S/. 33.54
Meses
S/. 33.54
Equivalente Mensual
S/. 33.54
S/. 33.54
S/. 33.54
S/. 33.54
S/. 33.54
10
S/. 33.54
11
S/. 33.54
12
S/. 33.54
13
S/. 33.54
14
S/. 33.54
15
S/. 33.54
16
S/. 33.54
17
S/. 33.54
18
S/. 33.54
19
S/. 33.54
20
S/. 33.54
21
S/. 33.54
22
S/. 33.54
23
S/. 33.54
24
S/. 33.54
Cuota
2
24
0.0146017
S/. 33.54
b. Cul es el costo financiero anual, si a cada cuota se le carga US$9,90 por concepto de gastos administrativos y otros. (2 Puntos)
0
9.90
TIR
33.54
Ao
0.0381576398
1
TIR
S/. 43.44
S/. 43.44
Equivalente 24
0.5673271313
S/. 43.44
Costo Fianciero
56.73%
S/. 43.44
S/. 43.44
S/. 43.44
S/. 43.44
S/. 43.44
10
S/. 43.44
11
S/. 43.44
12
S/. 43.44
13
S/. 43.44
14
S/. 43.44
15
S/. 43.44
16
S/. 43.44
17
S/. 43.44
18
S/. 43.44
19
S/. 43.44
20
S/. 43.44
21
S/. 43.44
22
S/. 43.44
23
S/. 43.44
24
S/. 43.44
3.81576%
43.44
Meses
12