EJERCICIOS PROPUESTOS INGENIERA ECONMICA Y FINANCIERA

PARTE A
DATOS
Monto
Plazo(meses)
Per. De gracia
TEA
tasa de imp.
Co. De admi.
Spread
portes y mant.

Mes

30000
18
2
4%
30%
2.50%
0.05%
20

NUEVA TEM
9000
750
15
9765

0.33%

Credito neto 20,235.00

Vi

20,367.71

0
1
2
3
4
5
6
7
8
9
10
11

12
13
14
15
16
17
18
19
20

PARTE B
inicio del mes 5 empieza al finalizar el 4
Periodo
0 al 2
4 al 20

TEA
TEA

4%
7%

TEM
NUEVA TEM

0.33%
0.57%

Vi
Vo

20,367.71 Pago
18,163.35 Nuevo Pago

PARTE C

Mes

0
1
2

Saldo

30,000.00
20,235.00
20,235.00

Inters

Amortizacin

0
0

Cuota

0
0

0
0

NUEVA TEM
prepago

0.57%

15000

3
4
5
6
7

S/. 20,367.71
S/. 19,267.33
S/. 18,163.35
S/. 17,076.34
S/. 983.14

66.679
63.076
103.531
97.335
5.604

S/. 1,100.38
S/. 1,103.98
S/. 1,087.01
S/. 16,093.20
S/. 983.14
S/. 20,367.71

TENGO UNA OBSERVACION EN

Saldo

30,000.00
20,235.00
20,235.00
S/. 20,367.71
S/. 19,267.33
S/. 18,163.35
S/. 17,055.75
S/. 15,944.53
S/. 14,829.67
S/. 13,711.17
S/. 12,589.00
S/. 11,463.15

Inters

0
0
66.679
63.076
59.462
55.836
52.198
48.548
44.887
41.213
37.527

Amortizacin

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
0
1,100.38
1,103.98
1,107.59
1,111.22
1,114.86
1,118.51
1,122.17
1,125.84
1,129.53

Cuota

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
0
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06

-20,235.00
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06
S/. 1,167.06

S/. 10,333.62
S/. 9,200.40
S/. 8,063.46
S/. 6,922.80
S/. 5,778.41
S/. 4,630.27
S/. 3,478.37
S/. 2,322.70
S/. 1,163.25

PARTE B

S/. 1,307.40
S/. 1,190.54

33.830
30.120
26.398
22.663
18.917
15.158
11.387
7.604
3.808

S/. 1,133.23
S/. 1,136.94
S/. 1,140.66
S/. 1,144.39
S/. 1,148.14
S/. 1,151.90
S/. 1,155.67
S/. 1,159.45
S/. 1,163.25
S/. 20,367.71

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
TIR MENSUAL
CEA

1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
1,167.06
0.40%
4.87%

NA OBSERVACION EN LA PARTE C , NOS DICEN CUOTA 6 PERO NO

CONSIDERE QUE FUESE EL MES 6 Y NO HUBO PROBLEMA ALGUNO.

DATOS
capital
50000
TEA
PLAZO
PERD. GRACIA
FLAT
COMISION
TASA IMP.
PORTES Y MANT.

6%
24
1
2.50%
0.05%
30%
15

TEM

Err:508

1250
25
15000

vi

credito neto

16275
PARTE A

Mes

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

Saldo

50000
33,725.00
33,889.16
S/. 32,555.65
S/. 31,215.61
S/. 29,869.01
S/. 28,515.80
S/. 27,155.97
S/. 25,789.47
S/. 24,416.28
S/. 23,036.35
S/. 21,649.67
S/. 20,256.19
S/. 18,855.88
S/. 17,448.72
S/. 16,034.65
S/. 14,613.66
S/. 13,185.70
S/. 11,750.75
S/. 10,308.77
S/. 8,859.72
S/. 7,403.57
S/. 5,940.28
S/. 4,469.83
S/. 2,992.17
S/. 1,507.27

Inters

0
S/. 166.06
S/. 159.52
S/. 152.96
S/. 146.36
S/. 139.73
S/. 133.06
S/. 126.37
S/. 119.64
S/. 112.88
S/. 106.08
S/. 99.26
S/. 92.39
S/. 85.50
S/. 78.57
S/. 71.61
S/. 64.61
S/. 57.58
S/. 50.51
S/. 43.41
S/. 36.28
S/. 29.11
S/. 21.90
S/. 14.66
S/. 7.39

PARTE B

Mes

PREPAGO

15000

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

PARTE C

Mes

0
1
2

PREPAGO

15000

TEA
TEM

8%
0.64%

Nueva cuota

3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25

S/. 527.82

33889.158077

33725

Amortizacin

0
S/. 1,333.51
S/. 1,340.04
S/. 1,346.61
S/. 1,353.20
S/. 1,359.83
S/. 1,366.50
S/. 1,373.19
S/. 1,379.92
S/. 1,386.68
S/. 1,393.48
S/. 1,400.31
S/. 1,407.17
S/. 1,414.06
S/. 1,420.99
S/. 1,427.96
S/. 1,434.95
S/. 1,441.98
S/. 1,449.05
S/. 1,456.15
S/. 1,463.28
S/. 1,470.45
S/. 1,477.66
S/. 1,484.90
S/. 1,507.27
S/. 33,889.16

Cuota

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,499.56
1,514.65
TIR MENSUAL

-33,725.00
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,514.65
0.53%

CEA

Saldo

50000
33,725.00
33,889.16
S/. 32,554.55
S/. 31,214.51
S/. 29,867.90
S/. 28,514.69
S/. 27,154.85
S/. 25,788.34
S/. 24,415.14
S/. 8,035.22
S/. 7,551.22
S/. 7,064.84
S/. 6,576.09
S/. 6,084.94
S/. 5,591.38
S/. 5,095.40
S/. 4,597.00
S/. 4,096.15
S/. 3,592.85
S/. 3,087.08
S/. 2,578.83
S/. 2,068.10
S/. 1,554.86
S/. 1,039.10
S/. 520.82

Inters

0
164.957
159.517
152.951
146.353
139.722
133.059
126.363
119.634
39.373
37.001
34.618
32.223
29.816
27.398
24.967
22.525
20.071
17.605
15.127
12.636
10.134
7.619
5.092
2.552

6.55%

Amortizacin

0
S/. 1,334.61
S/. 1,340.04
S/. 1,346.61
S/. 1,353.21
S/. 1,359.84
S/. 1,366.50
S/. 1,373.20
S/. 16,379.93
S/. 484.00
S/. 486.37
S/. 488.76
S/. 491.15
S/. 493.56
S/. 495.98
S/. 498.41
S/. 500.85
S/. 503.30
S/. 505.77
S/. 508.25
S/. 510.74
S/. 513.24
S/. 515.75
S/. 518.28
S/. 520.82
S/. 33,889.16

Cuota

0
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37

TIR MENSUAL
CEA

Saldo

50,000.00
33,725.00
33,889.16

Inters

0
166.06

Amortizacin

0
S/. 1,333.51

Cuota

0
S/. 1,499.56

S/. 32,555.65
S/. 31,215.61
S/. 29,869.01
S/. 28,515.80
S/. 27,155.97
S/. 25,789.47
S/. 24,416.28
S/. 8,036.35
S/. 7,552.28
S/. 7,065.84
S/. 6,577.02
S/. 6,085.80
S/. 5,592.17
S/. 5,096.13
S/. 4,601.10
S/. 4,102.72
S/. 3,601.16
S/. 3,096.39
S/. 2,588.38
S/. 2,077.13
S/. 1,562.60
S/. 1,044.78
S/. 523.65

159.52
152.96
146.36
139.73
133.06
126.37
119.64
39.38
37.01
34.62
32.23
29.82
27.40
32.79
29.45
26.26
23.05
19.82
16.57
13.29
10.00
6.69
3.35

S/. 1,340.04
S/. 1,346.61
S/. 1,353.20
S/. 1,359.83
S/. 1,366.50
S/. 1,373.19
S/. 16,379.92
S/. 484.07
S/. 486.44
S/. 488.82
S/. 491.22
S/. 493.63
S/. 496.05
S/. 495.03
S/. 498.37
S/. 501.56
S/. 504.77
S/. 508.00
S/. 511.25
S/. 514.53
S/. 517.82
S/. 521.13
S/. 523.65

S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 523.45
S/. 523.45
S/. 523.45
S/. 523.45
S/. 523.45
S/. 523.45
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.82
S/. 527.00

-33,725.00
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 1,499.56
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37
S/. 523.37

4.64%
72.3%

DATOS
capital
TEA
PLAZO
PERD. GRACIA
FLAT
COMISION
TASA IMP.
ITF
PORTES Y MANT.
COMISION FIJA

PARTE A

20000
7% TEM
12
3
1.50%
0.09%
30%
0.005%
18
500

Err:508

Err:509
Err:509
Err:509
Err:509

CREDITO NETO

500
6819
Mes

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Saldo

20000
13181
13181
13181
###
S/. 12,323.63
S/. 11,235.23
S/. 10,140.64
S/. 9,039.80
S/. 7,932.70
S/. 6,819.28
S/. 5,699.51
S/. 4,573.36
S/. 3,440.79
S/. 2,301.77
S/. 1,156.25

Inters

0
0
0
S/. 76.41
S/. 70.24
S/. 64.04
S/. 57.80
S/. 51.53
S/. 45.22
S/. 38.87
S/. 32.49
S/. 26.07
S/. 19.61
S/. 13.12
S/. 6.59

PARTE B
Mes

TEA
TEM

12%
0.95%

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Saldo

20000
13181
13181
13181
###
S/. 12,323.63
S/. 11,235.23
S/. 10,116.29
S/. 9,034.36
S/. 7,942.15
S/. 6,839.57
S/. 5,726.52
S/. 4,602.89
S/. 3,468.58
S/. 2,323.50
S/. 1,167.54

Inters

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
0
0
76.41
70.24
64.04
96.10
85.83
75.45
64.98
54.40
43.73
32.95
22.07
11.09

PARTE C

Mes

TEA
TEM
PREPAGO

12%
0.95%
5000

0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

Saldo

20000
13181
13181
13181
###
S/. 12,323.63
S/. 11,235.23
S/. 10,116.29
S/. 9,034.36
S/. 2,907.82
S/. 2,493.08
S/. 2,075.97
S/. 1,656.48
S/. 1,234.61
S/. 810.33
S/. 383.63

Inters

0
0
0
S/. 76.41
S/. 70.24
S/. 64.04
S/. 96.10
S/. 51.50
S/. 16.57
S/. 14.21
S/. 11.83
S/. 9.44
S/. 7.04
S/. 4.62
S/. 2.19

Err:509

Amortizacin

0
0
0
S/. 1,082.22
S/. 1,088.39
S/. 1,094.60
S/. 1,100.83
S/. 1,107.11
S/. 1,113.42
S/. 1,119.77
S/. 1,126.15
S/. 1,132.57
S/. 1,139.02
S/. 1,145.52
S/. 1,156.25
S/. 13,405.85

Cuota

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
0
0
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,162.84

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
TIR MENSUAL
CEA

-13181
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,158.64
1,162.84
0.84%
10.50%

Amortizacin

0
0
0
S/. 1,082.22
S/. 1,088.39
S/. 1,118.95
S/. 1,081.93
S/. 1,092.21
S/. 1,102.58
S/. 1,113.06
S/. 1,123.63
S/. 1,134.30
S/. 1,145.08
S/. 1,155.96
S/. 1,167.54
S/. 13,405.85

Amortizacin

0
0
0
S/. 1,082.22
S/. 1,088.39
S/. 1,118.95
S/. 1,081.93
S/. 6,126.54
S/. 414.74
S/. 417.11
S/. 419.49
S/. 421.88
S/. 424.28
S/. 426.70
S/. 383.63
S/. 13,405.85

Cuota

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

0
0
0
1,158.64
1,158.64
1,182.99
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.64
TIR MENSUAL
CEA

-13181
1,158.64
1,158.64
1,182.99
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.03
1,178.64
1.05%
13.41%

TIR MENSUAL
CEA

-13181
S/. 1,158.64
S/. 1,158.64
S/. 1,182.99
S/. 1,178.03
S/. 1,178.03
S/. 431.32
S/. 431.32
S/. 431.32
S/. 431.32
S/. 431.32
S/. 431.32
S/. 385.81
7.12%
128.38%

S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.
S/.

Cuota

0
0
0
S/. 1,158.64
S/. 1,158.64
S/. 1,182.99
S/. 1,178.03
S/. 1,178.03
S/. 431.32
S/. 431.32
S/. 431.32
S/. 431.32
S/. 431.32
S/. 431.32
S/. 385.81