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Elabora cronogram
con perodo de gracia parcial de 6 meses.
Prstamo 30000
Plazo 30
TEA 12.5%
TEM 0.99%
Perodos de gracia 6
CUOTA S/.1,409.91
Prstamo 20000
Plazo 12
te 0.03%
TEA 12.00%
N Cuota by
pass enero
CUOTA 1932.9910181866
Ao 0 1
Flujo Efectivo Neto -200,000 50,000
COK VAN
Inversionista 1 10% S/.23,137.39
Inversionista 2 11% S/.17,487.68
Inversionista 3 13% S/.6,845.54
Inversionista 3
13.00%
2 3 4 5
60,000 80,000 45,000 60,000
Decisin de Inversin
aprueba
aprueba
aprueba
Una distribuidora de gas, ha solicitado un prstamo al banco por S/. 20,000.00 para ser cancelado en 5 a
una TEA del 10.5% y estima tener los siguientes in gresos por ventas y costos de operacin. Se pide Calc
relacin B/C e interpretar el resultado
10.50%
Ao Inversin Ingresos
0 20,000.00 VANIngresos
1 5,000.00 10,000.00 VAN Costos
2 7,000.00 12,000.00
3 7,000.00 12,000.00 B/C
4 8,000.00 15,000.00
5 11,500.00 20,000.00 Interpretacin:
resulta
. 20,000.00 para ser cancelado en 5 aos, a
as y costos de operacin. Se pide Calcular la
49,972.55
47,792.29
1.05
Elabora un cronograma de un crdito vehicular, por un monto de $ 33,000.00 a una TEA de
0 5/20/2014
1 6/20/2014 S/.441.57 237.84
2 7/20/2014 S/.444.76 234.66
3 8/20/2014 S/.447.96 231.45
4 9/20/2014 S/.451.19 228.23
5 10/20/2014 S/.454.44 224.97
6 11/20/2014 S/.457.72 221.70
7 12/20/2014 S/.461.02 218.40
8 1/20/2015 S/.464.34 215.08
9 2/20/2015 S/.467.68 211.73
10 3/20/2015 S/.471.06 208.36
11 4/20/2015 S/.474.45 204.96
12 5/20/2015 S/.477.87 201.54
13 6/20/2015 S/.481.31 198.10
14 7/20/2015 S/.484.78 194.63
15 8/20/2015 S/.488.28 191.14
16 9/20/2015 S/.491.80 187.62
17 10/20/2015 S/.495.34 184.07
18 11/20/2015 S/.498.91 180.50
19 12/20/2015 S/.502.51 176.91
20 1/20/2016 S/.506.13 173.29
21 2/20/2016 S/.509.78 169.64
22 3/20/2016 S/.513.45 165.96
23 4/20/2016 S/.517.15 162.26
24 5/20/2016 S/.520.88 158.54
25 6/20/2016 S/.524.63 154.78
26 7/20/2016 S/.528.41 151.00
27 8/20/2016 S/.532.22 147.19
28 9/20/2016 S/.536.06 143.36
29 10/20/2016 S/.539.92 139.49
30 11/20/2016 S/.543.81 135.60
31 12/20/2016 S/.547.73 131.68
32 1/20/2017 S/.551.68 127.73
33 2/20/2017 S/.555.66 123.76
34 3/20/2017 S/.559.66 119.75
35 4/20/2017 S/.563.69 115.72
36 5/20/2017 S/.567.76 111.66
37 6/20/2017 S/.571.85 107.56
38 7/20/2017 S/.575.97 103.44
39 8/20/2017 S/.580.12 99.29
40 9/20/2017 S/.584.30 95.11
41 10/20/2017 S/.588.51 90.90
42 11/20/2017 S/.592.76 86.66
43 12/20/2017 S/.597.03 82.39
44 1/20/2018 S/.601.33 78.08
45 2/20/2018 S/.605.67 73.75
46 3/20/2018 S/.610.03 69.38
47 4/20/2018 S/.614.43 64.99
48 5/20/2018 S/.618.86 60.56
49 6/20/2018 S/.623.32 56.10
50 7/20/2018 S/.627.81 51.61
51 8/20/2018 S/.632.33 47.08
52 9/20/2018 S/.636.89 42.52
53 10/20/2018 S/.641.48 37.93
54 11/20/2018 S/.646.10 33.31
55 12/20/2018 S/.650.76 28.65
56 1/20/2019 S/.655.45 23.96
57 2/20/2019 S/.660.18 19.24
58 3/20/2019 S/.664.93 14.48
59 4/20/2019 S/.669.73 9.69
60 5/20/2019 S/.674.55 4.86
un monto de $ 33,000.00 a una TEA del 9% a 5 aos, en cuotas fijas mensuales
esgravamen 0.015%
ehicular 0.090%
es 5
a S/.679.41
de Costo efectiva mensual 0.91%
E.A. 11.53%
Seguro Seguro
Portes Cuota total Saldo Flujos
desgravamen vehicular
33000 -33000
4.95 29.7 5 S/.716.81 S/.32,558.43 S/.716.81
4.8837640851 29.7 5 S/.716.81 S/.32,113.67 S/.716.81
4.8170507866 29.7 5 S/.716.81 S/.31,665.71 S/.716.81
4.7498566638 29.7 5 S/.716.81 S/.31,214.52 S/.716.81
4.6821782512 29.7 5 S/.716.81 S/.30,760.08 S/.716.81
4.6140120584 29.7 5 S/.716.81 S/.30,302.36 S/.716.81
4.5453545699 29.7 5 S/.716.81 S/.29,841.35 S/.716.81
4.4762022446 29.7 5 S/.716.81 S/.29,377.01 S/.716.81
4.4065515161 29.7 5 S/.716.81 S/.28,909.33 S/.716.81
4.3363987923 29.7 5 S/.716.81 S/.28,438.27 S/.716.81
4.2657404552 29.7 5 S/.716.81 S/.27,963.82 S/.716.81
4.1945728606 29.7 5 S/.716.81 S/.27,485.95 S/.716.81
4.1228923381 29.7 5 S/.716.81 S/.27,004.63 S/.716.81
4.0506951909 29.7 5 S/.716.81 S/.26,519.85 S/.716.81
3.9779776955 29.7 5 S/.716.81 S/.26,031.57 S/.716.81
3.9047361016 29.7 5 S/.716.81 S/.25,539.78 S/.716.81
3.8309666319 29.7 5 S/.716.81 S/.25,044.44 S/.716.81
3.7566654818 29.7 5 S/.716.81 S/.24,545.53 S/.716.81
3.6818288192 29.7 5 S/.716.81 S/.24,043.02 S/.716.81
3.6064527846 29.7 5 S/.716.81 S/.23,536.89 S/.716.81
3.5305334906 29.7 5 S/.716.81 S/.23,027.11 S/.716.81
3.4540670217 29.7 5 S/.716.81 S/.22,513.66 S/.716.81
3.3770494342 29.7 5 S/.716.81 S/.21,996.51 S/.716.81
3.2994767561 29.7 5 S/.716.81 S/.21,475.63 S/.716.81
3.2213449866 29.7 5 S/.716.81 S/.20,951.00 S/.716.81
3.1426500961 29.7 5 S/.716.81 S/.20,422.59 S/.716.81
3.0633880262 29.7 5 S/.716.81 S/.19,890.36 S/.716.81
2.9835546888 29.7 5 S/.716.81 S/.19,354.31 S/.716.81
2.9031459668 29.7 5 S/.716.81 S/.18,814.38 S/.716.81
2.8221577132 29.7 5 S/.716.81 S/.18,270.57 S/.716.81
2.740585751 29.7 5 S/.716.81 S/.17,722.84 S/.716.81
2.6584258733 29.7 5 S/.716.81 S/.17,171.16 S/.716.81
2.5756738428 29.7 5 S/.716.81 S/.16,615.50 S/.716.81
2.4923253917 29.7 5 S/.716.81 S/.16,055.84 S/.716.81
2.4083762214 29.7 5 S/.716.81 S/.15,492.15 S/.716.81
2.3238220022 29.7 5 S/.716.81 S/.14,924.39 S/.716.81
2.2386583734 29.7 5 S/.716.81 S/.14,352.54 S/.716.81
2.1528809428 29.7 5 S/.716.81 S/.13,776.57 S/.716.81
2.0664852866 29.7 5 S/.716.81 S/.13,196.45 S/.716.81
1.9794669489 29.7 5 S/.716.81 S/.12,612.14 S/.716.81
1.8918214419 29.7 5 S/.716.81 S/.12,023.63 S/.716.81
1.8035442454 29.7 5 S/.716.81 S/.11,430.87 S/.716.81
1.7146308067 29.7 5 S/.716.81 S/.10,833.84 S/.716.81
1.62507654 29.7 5 S/.716.81 S/.10,232.51 S/.716.81
1.5348768268 29.7 5 S/.716.81 S/.9,626.85 S/.716.81
1.444027015 29.7 5 S/.716.81 S/.9,016.82 S/.716.81
1.3525224193 29.7 5 S/.716.81 S/.8,402.39 S/.716.81
1.2603583204 29.7 5 S/.716.81 S/.7,783.53 S/.716.81
1.1675299651 29.7 5 S/.716.81 S/.7,160.22 S/.716.81
1.0740325657 29.7 5 S/.716.81 S/.6,532.41 S/.716.81
0.9798613004 29.7 5 S/.716.81 S/.5,900.08 S/.716.81
0.8850113124 29.7 5 S/.716.81 S/.5,263.18 S/.716.81
0.7894777098 29.7 5 S/.716.81 S/.4,621.70 S/.716.81
0.6932555656 29.7 5 S/.716.81 S/.3,975.60 S/.716.81
0.5963399173 29.7 5 S/.716.81 S/.3,324.84 S/.716.81
0.4987257667 29.7 5 S/.716.81 S/.2,669.39 S/.716.81
0.4004080792 29.7 5 S/.716.81 S/.2,009.21 S/.716.81
0.3013817844 29.7 5 S/.716.81 S/.1,344.28 S/.716.81
0.2016417751 29.7 5 S/.716.81 S/.674.55 S/.716.81
0.1011829073 29.7 5 S/.716.81 S/.-0.00 S/.716.81