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capital necesario P:C 200000 R=

Cuota R ?
Plazo n 7 aos
Interes anual i 0.02
Perodo de gracia R=
1 ao, al final del cual se cancelarn los intereses generados R=
Garantas
Hipotecaria
Amortizacin
Cuota fija anual de capital mas intereses sobre saldos deudores

Ao Cuota Fija Capital Inters Saldo


1 0.00 0.00 0.00 200,000.00
2 31,379.31 26,579.31 4,800.00 173,420.69
3 31,379.31 27,217.21 4,162.10 146,203.48
4 31,379.31 27,870.42 3,508.88 118,333.06
5 31,379.31 28,539.31 2,839.99 89,793.75
6 31,379.31 29,224.26 2,155.05 60,569.49
7 31,379.31 29,925.64 1,453.67 30,643.85
8 31,379.31 30,643.85 735.45 0.00
125,517.23 110,206.25 15,310.97

capital necesario P:C 200000


Cuota R ?
Plazo n 5 aos
Interes anual i 0.06

Ao Cuota Fija Capital Inters Saldo


1 47,479.28 35,479.28 12,000.00 164,520.72
2 47,479.28 37,608.04 9,871.24 126,912.68
3 47,479.28 39,864.52 7,614.76 87,048.16
4 47,479.28 42,256.39 5,222.89 44,791.77
5 47,479.28 44,791.77 2,687.51 0.00
237,396.40 200,000.00 37,396.40
POTENCIA
200000 0.02 1.1805916207 1.02 1.18059162

1.18059162 1

200000 0.15689653
31,379.31 125,517.23

POTENCIA
R= 200000 0.06 1.3382255776 1.06 1.3382256

1.3382255776 1

R= 200000 0.2373964004
R= 47,479.28 237,396.40
VALOR ACTUAL NETO - VAN

AO INGRESO EGRESO FLUJO NETO

I E Fn

Io 0 -.- -.- -.-


F1 1 5,322.10 3,049.90 2,272.20
F2 2 6,386.40 3,424.40 2,962.00
F3 3 7,451.00 3,733.80 3,717.20
F4 4 7,451.00 3,733.80 3,717.20
F5 5 7,451.00 3,733.80 3,717.20
F6 6 7,451.00 3,733.80 3,717.20
F7 7 7,451.00 3,733.80 3,717.20
F8 8 7,451.00 3,733.80 3,717.20
F9 9 7,451.00 3,733.80 3,717.20
F10 10 7,451.00 3,733.80 3,717.20

Tasa de Interes 0.19


Base 1+ i 1.19

VALOR DE LA VALOR ACTUAL


AO FACTOR
PRODUCCION INGRESOS(PRODUCCION)

0
1 5,322.10 0.840 4,472.35
2 6,386.40 0.706 4,509.85
3 7,451.00 0.593 4,421.54
4 7,451.00 0.499 3,715.58
5 7,451.00 0.419 3,122.34
6 7,451.00 0.352 2,623.81
7 7,451.00 0.296 2,204.88
8 7,451.00 0.249 1,852.84
9 7,451.00 0.209 1,557.01
10 7,451.00 0.176 1,308.41
29,788.63

B/C
Entonces, por cada dlar que se invierte, se obtiene una
CTUAL NETO - VAN

FACTOR VAN

-.- -12,845.40
1.19 0.840 1,909.41
1.42 0.706 2,091.66
1.69 0.593 2,205.85
2.01 0.499 1,853.65
2.39 0.419 1,557.69
2.84 0.352 1,308.98
3.38 0.296 1,099.99
4.02 0.249 924.36
4.79 0.209 776.77
5.69 0.176 652.75
1,535.71
VAN S/. 1,535.71

VALOR
COSTOS TOTALES ACTUAL
EGRESOS(COSTOS)
12,845.40 12,845.40
3,049.90 2,562.94
3,424.40 2,418.19
3,733.80 2,215.70
3,733.80 1,861.93
3,733.80 1,564.65
3,733.80 1,314.83
3,733.80 1,104.90
3,733.80 928.49
3,733.80 780.24
3,733.80 655.66
15,407.52

1.93
dlar que se invierte, se obtiene una ganancia de $ 0.93 centavos de dlar