PRESENTE VA

FUTURO VF
n Nper
i Tasa
TASA NOMINAL ANUAL Tasa.Nominal
TASA EFECTIVA ANUAL Int.Efectivo
ANUALIDAD O CUOTA Pago
VALOR PRESENTE NETO (VPN) VNA
TASA INTERNA DE RETORNO TIR

INTERES COMPUESTO

VAMOS A CACULAR EL VALOR FUTURO TENIENDO PRESENTE, LA TASA Y EL TIEMPO

PRESENTE 1,000,000.00 20,000.00

i 2% MESES 2%
n 12 MESES 240
FUTURO -$1,268,241.79 -$2,317,774.70

VAMOS A CALCULAR EL VALOR PRESENTETIENDO FUTURO, TASA Y TIEMPO

FUTURO 1,268,241.79 6,000,000.00

n 12 6
i 2% 2%
PRESENTE -$1,000,000.00 -$5,327,828.29

VAMOS A CALCULAR EL TIEMPO TENIENDO PRESENTE, FUTUTO Y TASA

PRESENTE 1,000,000.00
FUTURO - 1,268,241.79
i 2% MENSUAL
n 11.9999998183 MENSUAL

VAMOS A CALCULAR LA TASA DE INTERES TENIENDO PRESENTE, FUTURO Y TIEMPO

PRESENTE 1,000,000.00
FUTURO - 1,268,241.79
n 12 MENSUAL
i 2% MENSUAL

TASA NOMINALES EFECTIVAS Y EQUIVALENTES

VAMOS A CALCULAR LA TASA EFECTIVA ANUAL TENIENDO LA TASA NOMINAL ANUAL Y EL NUMERO DE PERIODOS

TASA NOMINAL ANUAL 24% 24%

n 12 4
TASA EFECTIVA ANUAL 26.824179% 26.247696%

VAMOS A CALCULAR LA TASA NOMINAL ANUAL TENIENDO LA TASA EFECTIVA ANUAL Y EL NUMERO DE PERIODOS

TASA EFECTIVA ANUAL 26.824179% 30.000000%

n 12 12
TASA NOMINAL ANUAL 24% 27%

ANUALIDADES O CUOTAS
VAMOS A CALCULAR LA ANUALIDAD O CUOTA TENIENDO PRESENTE, TASA Y EL TIEMPO
PRESENTE 10,000,000.00
i 1.50% mensual
n 36 meses
ANUALIDAD O CUOTA -$361,523.96 36 -$13,014,862.39

VAMOS A CALCULAR EL VALOR PRESENTE TENIEDO LA ANUALIDAD, TASA Y EL TIEMPO

ANUALIDAD - 361,523.96
n 36
i 1.50%
PRESENTE $10,000,000.00

VAMOS A CALCULAR EL TIEMPO TENIENDO PRESENTE, ANUALIDAD YTASA

PRESENTE 10,000,000.00
i 1.50%
ANUALIDAD - 361,523.96
n 35.9999993886

OJO LO MAS IMPORTANTE CAMOS A CALCULAR LA TASA DE INTERES TENIENDO PRESENTE, ANUALIDAD Y TIEMPO

PRESENTE 10,000,000.00
n 36
ANUALIDAD - 361,523.96
i

VAMOS A ELABORAR LA TABLAS DE AMORTIZACION

PRESTAMO 10,000,000.00
n 36
i 1.50%
ANUALIDAD O CUOTA -$361,523.96
$361,523.96
 PERIODOS CAPITAL CUOTA INTERESES
1 10,000,000.00 $361,523.96 150,000.00
2 9,788,476.04 $361,523.96 146,827.14
3 9,573,779.23 $361,523.96 143,606.69
4 9,355,861.96 $361,523.96 140,337.93
5 9,134,675.94 $361,523.96 137,020.14
6 8,910,172.12 $361,523.96 133,652.58
7 8,682,300.75 $361,523.96 130,234.51
8 8,451,011.30 $361,523.96 126,765.17
9 8,216,252.52 $361,523.96 123,243.79
10 7,977,972.35 $361,523.96 119,669.59
11 7,736,117.98 $361,523.96 116,041.77
12 7,490,635.79 $361,523.96 112,359.54
13 7,241,471.38 $361,523.96 108,622.07
14 6,988,569.49 $361,523.96 104,828.54
15 6,731,874.08 $361,523.96 100,978.11
16 6,471,328.23 $361,523.96 97,069.92
17 6,206,874.20 $361,523.96 93,103.11
18 5,938,453.36 $361,523.96 89,076.80
19 5,666,006.20 $361,523.96 84,990.09
20 5,389,472.34 $361,523.96 80,842.09
21 5,108,790.47 $361,523.96 76,631.86
22 4,823,898.37 $361,523.96 72,358.48
23 4,534,732.89 $361,523.96 68,020.99
24 4,241,229.93 $361,523.96 63,618.45
25 3,943,324.43 $361,523.96 59,149.87
26 3,640,950.34 $361,523.96 54,614.26
27 3,334,040.64 $361,523.96 50,010.61
28 3,022,527.29 $361,523.96 45,337.91
29 2,706,341.24 $361,523.96 40,595.12
30 2,385,412.41 $361,523.96 35,781.19
31 2,059,669.64 $361,523.96 30,895.04
32 1,729,040.73 $361,523.96 25,935.61
33 1,393,452.38 $361,523.96 20,901.79
34 1,052,830.21 $361,523.96 15,792.45
35 707,098.71 $361,523.96 10,606.48
36 356,181.24 $361,523.96 5,342.72

EVALUACION FINANCIERA DE PROYECTOS DE INVERSION VALOR PRESENTE NETO Y TASA INTERNA DE RETORNO

PERIODOS INGRESOS EGRESOS FLUJO (ING - EGRE)

0 - 200,000,000.00 - 200,000,000.00
1 60,000,000.00 30,000,000.00 30,000,000.00
2 80,000,000.00 40,000,000.00 40,000,000.00
3 100,000,000.00 50,000,000.00 50,000,000.00
 4 120,000,000.00 60,000,000.00 60,000,000.00
5 240,000,000.00 70,000,000.00 170,000,000.00
TASA 16%
VPN $1,698,147.19
TIR 16%
PERIODOS INGRESOS EGRESOS FLUJO (ING - EGRE)
0 1,000,000.00 - 1,000,000.00
1 20,000.00 20,000.00
2 20,000.00 20,000.00
3 20,000.00 20,000.00
4 20,000.00 20,000.00
5 20,000.00 20,000.00
6 20,000.00 20,000.00
7 20,000.00 20,000.00
8 20,000.00 20,000.00
9 20,000.00 20,000.00
10 20,000.00 20,000.00
11 20,000.00 20,000.00
12 1,020,000.00 1,020,000.00
TASA 2%
VPN 0.00
TIR 2.00%

HOY PUEDO COMPRAR UN APTO EN CUCUTA POR VALOR DE 200.000.000 LO VOY ARRENDAR EN 800.000 MENSUALES DURAN

PERIODOS INGRESOS EGRESOS FLUJO (ING - EGRE)

0 200,000,000.00 - 200,000,000.00
1 800,000.00 800,000.00
2 800,000.00 800,000.00
3 800,000.00 1,500,000.00 - 700,000.00
4 800,000.00 800,000.00
5 800,000.00 800,000.00
6 800,000.00 800,000.00
7 800,000.00 800,000.00
8 800,000.00 800,000.00
9 800,000.00 800,000.00
10 800,000.00 800,000.00
11 800,000.00 800,000.00
12 250,800,000.00 250,800,000.00
TASA
VNP
TIR
 4,000,000.00
5%
6
-$5,360,382.56

6,000,000.00
6
5%
-$4,477,292.38

O DE PERIODOS

24% 24%
 2 1
25.440000% 24.000000%

O DE PERIODOS

LIDAD Y TIEMPO
 ABONO C. NUEVO SALDO
$211,523.96 9,788,476.04 30-Nov-18
$214,696.81 9,573,779.23 30-Dec-18
$217,917.27 9,355,861.96 30-Jan-19
$221,186.03 9,134,675.94 28-Feb-19
$224,503.82 8,910,172.12 30-Mar-19
$227,871.37 8,682,300.75 30-Apr-19
$231,289.44 8,451,011.30 30-May-19
$234,758.79 8,216,252.52 30-Jun-19
$238,280.17 7,977,972.35 30-Jul-19
$241,854.37 7,736,117.98 30-Aug-19
$245,482.19 7,490,635.79 30-Sep-19
$249,164.42 7,241,471.38 30-Oct-19
$252,901.88 6,988,569.49 30-Nov-19
$256,695.41 6,731,874.08 30-Dec-19
$260,545.84 6,471,328.23 30-Jan-20
$264,454.03 6,206,874.20 29-Feb-20
$268,420.84 5,938,453.36 30-Mar-20
$272,447.15 5,666,006.20 30-Apr-20
$276,533.86 5,389,472.34 30-May-20
$280,681.87 5,108,790.47 30-Jun-20
$284,892.10 4,823,898.37 30-Jul-20
$289,165.48 4,534,732.89 30-Aug-20
$293,502.96 4,241,229.93 30-Sep-20
$297,905.51 3,943,324.43 30-Oct-20
$302,374.09 3,640,950.34 30-Nov-20
$306,909.70 3,334,040.64 30-Dec-20
$311,513.35 3,022,527.29 30-Jan-21
$316,186.05 2,706,341.24 28-Feb-21
$320,928.84 2,385,412.41 30-Mar-21
$325,742.77 2,059,669.64 30-Apr-21
$330,628.91 1,729,040.73 30-May-21
$335,588.34 1,393,452.38 30-Jun-21
$340,622.17 1,052,830.21 30-Jul-21
$345,731.50 707,098.71 30-Aug-21
$350,917.47 356,181.24 30-Sep-21
$356,181.24 - 30-Oct-21

DE RETORNO

PERIODOS INGRESOS EGRESOS FLUJO (ING - EGRE)

0 - 200,000,000.00 - 200,000,000.00
1 60,000,000.00 30,000,000.00 30,000,000.00
2 80,000,000.00 40,000,000.00 40,000,000.00
3 100,000,000.00 50,000,000.00 50,000,000.00
 4 120,000,000.00 60,000,000.00 60,000,000.00
5 240,000,000.00 70,000,000.00 170,000,000.00
TASA 20%
VPN -$21,032,664.61
TIR 16.275782%

800.000 MENSUALES DURANTE UN AÑO EN EL MES 3 PAGO EL IMPUESTO PREDIAL DE 1.500.000 AL FINAL DEL AÑO PUEDO VENDER EL APA
O PUEDO VENDER EL APARTAMENTO EN 250.000.000.