Analisis Financiero 2 Semana 15082015
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se pide un prestamo para comprar una maquinaria su precio es de 40,000 solesa una tasa de interes de 20% anual, y se desea pagar en 5 años.La institucion financiera no indica de debemos pagar una cuota inicial del 10%1. ¿Cuánto es monto a pagar mesula mente? 2. ¿Cuánto es el interes que se paga en la cuota mensual?3. ¿Cuánto es principal que se paga mensualmente?
prestamo 36,000.00 FORMULAporcentaje inicla 10% pago mensual S/.953.78 FORMULAmonto inicial 4,000.00 FORMULA interes mensual S/.600.00 FORMULAprecio 40,000.00 principal mensual S/.353.78 FORMULAtiempo en años 5tiempo en meses 0interes anual 20%periodo 12numero de cuota 1
CRONOGRAMA DE PAGO
PAGO MES INTERES MES1 S/.953.78 S/.600.00 S/.353.78 S/.353.782 S/.953.78 S/.594.10 S/.359.68 S/.713.463 S/.953.78 S/.588.11 S/.365.67 S/.1,079.134 S/.953.78 S/.582.01 S/.371.77 S/.1,450.895 S/.953.78 S/.575.82 S/.377.96 S/.1,828.856 S/.953.78 S/.569.52 S/.384.26 S/.2,213.117 S/.953.78 S/.563.11 S/.390.67 S/.2,603.788 S/.953.78 S/.556.60 S/.397.18 S/.3,000.969 S/.953.78 S/.549.98 S/.403.80 S/.3,404.75
10 S/.953.78 S/.543.25 S/.410.53 S/.3,815.2811 S/.953.78 S/.536.41 S/.417.37 S/.4,232.6412 S/.953.78 S/.529.46 S/.424.32 S/.4,656.9713 S/.953.78 S/.522.38 S/.431.40 S/.5,088.3614 S/.953.78 S/.515.19 S/.438.59 S/.5,526.9515 S/.953.78 S/.507.88 S/.445.90 S/.5,972.8516 S/.953.78 S/.500.45 S/.453.33 S/.6,426.1717 S/.953.78 S/.492.90 S/.460.88 S/.6,887.0618 S/.953.78 S/.485.22 S/.468.56 S/.7,355.6219 S/.953.78 S/.477.41 S/.476.37 S/.7,831.9920 S/.953.78 S/.469.47 S/.484.31 S/.8,316.3121 S/.953.78 S/.461.39 S/.492.38 S/.8,808.6922 S/.953.78 S/.453.19 S/.500.59 S/.9,309.28
N° DE CUOTA
PRINCIPAL MES
PAGO A CUENTA
23 S/.953.78 S/.444.85 S/.508.93 S/.9,818.2224 S/.953.78 S/.436.36 S/.517.42 S/.10,335.6325 S/.953.78 S/.427.74 S/.526.04 S/.10,861.6726 S/.953.78 S/.418.97 S/.534.81 S/.11,396.4827 S/.953.78 S/.410.06 S/.543.72 S/.11,940.2028 S/.953.78 S/.401.00 S/.552.78 S/.12,492.9929 S/.953.78 S/.391.78 S/.562.00 S/.13,054.9830 S/.953.78 S/.382.42 S/.571.36 S/.13,626.3531 S/.953.78 S/.372.89 S/.580.89 S/.14,207.2332 S/.953.78 S/.363.21 S/.590.57 S/.14,797.8033 S/.953.78 S/.353.37 S/.600.41 S/.15,398.2134 S/.953.78 S/.343.36 S/.610.42 S/.16,008.6235 S/.953.78 S/.333.19 S/.620.59 S/.16,629.2136 S/.953.78 S/.322.85 S/.630.93 S/.17,260.1537 S/.953.78 S/.312.33 S/.641.45 S/.17,901.6038 S/.953.78 S/.301.64 S/.652.14 S/.18,553.7439 S/.953.78 S/.290.77 S/.663.01 S/.19,216.7540 S/.953.78 S/.279.72 S/.674.06 S/.19,890.8041 S/.953.78 S/.268.49 S/.685.29 S/.20,576.1042 S/.953.78 S/.257.07 S/.696.71 S/.21,272.8143 S/.953.78 S/.245.45 S/.708.33 S/.21,981.1444 S/.953.78 S/.233.65 S/.720.13 S/.22,701.2745 S/.953.78 S/.221.65 S/.732.13 S/.23,433.4146 S/.953.78 S/.209.44 S/.744.34 S/.24,177.7447 S/.953.78 S/.197.04 S/.756.74 S/.24,934.4848 S/.953.78 S/.184.43 S/.769.35 S/.25,703.8449 S/.953.78 S/.171.60 S/.782.18 S/.26,486.0250 S/.953.78 S/.158.57 S/.795.21 S/.27,281.2351 S/.953.78 S/.145.31 S/.808.47 S/.28,089.7052 S/.953.78 S/.131.84 S/.821.94 S/.28,911.6453 S/.953.78 S/.118.14 S/.835.64 S/.29,747.2854 S/.953.78 S/.104.21 S/.849.57 S/.30,596.8555 S/.953.78 S/.90.05 S/.863.73 S/.31,460.5756 S/.953.78 S/.75.66 S/.878.12 S/.32,338.7057 S/.953.78 S/.61.02 S/.892.76 S/.33,231.4558 S/.953.78 S/.46.14 S/.907.64 S/.34,139.0959 S/.953.78 S/.31.02 S/.922.76 S/.35,061.8660 S/.953.78 S/.15.64 S/.938.14 S/.36,000.00
S/.57,226.79 S/.21,226.79 S/.36,000.00
ORGANIGRAMA FLUJOGRAMA
MONTO QUE SE ACUMULA EN LA CUOTA N10 EJM
35,646.22 8/15/2015 8/15/2015 35,286.54 9/15/2015 9/14/2015 34,920.87 10/15/2015 10/14/2015 34,549.11 11/15/2015 11/13/2015 34,171.15 12/15/2015 12/13/2015 33,786.89 1/15/2016 1/12/2016 33,396.22 2/15/2016 2/11/2016 32,999.04 3/15/2016 3/12/2016 32,595.25 4/15/2016 4/11/2016 32,184.72 5/15/2016 5/11/2016 31,767.36 6/15/2016 6/10/2016 31,343.03 7/15/2016 7/10/2016 30,911.64 8/15/2016 8/9/2016 30,473.05 9/15/2016 9/8/2016 30,027.15 10/15/2016 10/8/2016 29,573.83 11/15/2016 11/7/2016 29,112.94 12/15/2016 12/7/2016 28,644.38 1/15/2017 1/6/2017 28,168.01 2/15/2017 2/5/2017 27,683.69 3/15/2017 3/7/2017 27,191.31 4/15/2017 4/6/2017 26,690.72 5/15/2017 5/6/2017
PENDIENTE DE PAGO
FECHA DE PAGO
FECHA DE PAGO
26,181.78 6/15/2017 6/5/2017 25,664.37 7/15/2017 7/5/2017 25,138.33 8/15/2017 8/4/2017 24,603.52 9/15/2017 9/3/2017 24,059.80 10/15/2017 10/3/2017 23,507.01 11/15/2017 11/2/2017 22,945.02 12/15/2017 12/2/2017 22,373.65 1/15/2018 1/1/2018 21,792.77 2/15/2018 1/31/2018 21,202.20 3/15/2018 3/2/2018 20,601.79 4/15/2018 4/1/2018 19,991.38 5/15/2018 5/1/2018 19,370.79 6/15/2018 5/31/2018 18,739.85 7/15/2018 6/30/2018 18,098.40 8/15/2018 7/30/2018 17,446.26 9/15/2018 8/29/2018 16,783.25 10/15/2018 9/28/2018 16,109.20 11/15/2018 10/28/2018 15,423.90 12/15/2018 11/27/2018 14,727.19 1/15/2019 12/27/2018 14,018.86 2/15/2019 1/26/2019 13,298.73 3/15/2019 2/25/2019 12,566.59 4/15/2019 3/27/2019 11,822.26 5/15/2019 4/26/2019 11,065.52 6/15/2019 5/26/2019 10,296.16 7/15/2019 6/25/2019 9,513.98 8/15/2019 7/25/2019 8,718.77 9/15/2019 8/24/2019 7,910.30 10/15/2019 9/23/2019 7,088.36 11/15/2019 10/23/2019 6,252.72 12/15/2019 11/22/2019 5,403.15 1/15/2020 12/22/2019 4,539.43 2/15/2020 1/21/2020 3,661.30 3/15/2020 2/20/2020 2,768.55 4/15/2020 3/21/2020 1,860.91 5/15/2020 4/20/2020 938.14 6/15/2020 5/20/2020 0.00 7/15/2020 6/19/2020
ORGANIGRAMA
IMPORTANCIA Y DIFERENCIA
MONTO QUE SE ACUMULA EN LA CUOTA N10 EJM
prestamo 22,646.74 FORMULAporcentaje in 10% pago mensua S/.600.00 FORMULAmonto inicial 2,516.30 FORMULA interes mens S/.377.45 FORMULAprecio 25,163.04 principal men S/.222.55 FORMULAtiempo en añ 5tiempo en me 0interes anual 20%periodo 12numero de cu 1
LA EMPRESA NO TIENE PARA PAGAR 953.78 SOLES MENSUALES , CO EL INTERES Y TIEMPO IGUALLES. SOLO QUIERE PAGAR MENSUALMENTE 600 SOLES 1-. CUANTO ES EL PRECIO DE LA MAQUINA QUE DEBO DE COMPRAR?
LA EMPRESA NO TIENE PARA PAGAR 953.78 SOLES MENSUALES , CO EL INTERES Y TIEMPO IGUALLES. SOLO QUIERE PAGAR MENSUALMENTE 600 SOLES 1-. CUANTO ES EL PRECIO DE LA MAQUINA QUE DEBO DE COMPRAR?
REALIZAR CUANTO SERIAN LOSPAGOS MENSUALES SI EN DIFERENTES INSTITUCIONES FINANCIERAS NOS COBRAN DIFERENTES INTERESES
prestamo 36,000.00 FORMULAporcentaje in 10% pago mensua S/.953.78 FORMULAmonto inicial 4,000.00 FORMULA interes mens S/.600.00 FORMULAprecio 40,000.00 principal men S/.353.78 FORMULAtiempo en añ 5tiempo en me 0interes anual 20% S/.953.78periodo 12 CREDITO 20%numero de cu 1 CONTINENTAL 18%
SAGA 25%CAJAHUANCAYO 19%CAJA SR DE LUREN 11%
CUANTO PAGARIA SI PAGO UNA CUOTA INICIAL DE :S/.953.78
PORCENTAJE INICIAL 10%15%20%50%55%
SI QUEREMOS HACES DOS EN UNA MISMAMESES
S/.953.78 1 2 3 4AÑOS 1
2345
CUANTO SERIALA CUOTA A PAGAR SI EL PORCENTAJE INICIAL ES
S/.953.78 1 2 3 410%
20%30%40%50%
PAGOINTERESES FECHA TABLA ALTERNATIVA DE PAGO
1 CUAL ES EL ASIENTO CONTABLE QUE SE UTILIZA PARA ESTE PRESTAMO PORQUE COMPRARE UNA MAQUINARIA2 CUAL ES EL ASIENTO CONTABLE QUE SE REALIZA PARA LA PRIMERA CUOTA O EL PAGO DE LA PRIMERA CUOTA
la cuota la quiero pagar en meses nada mas
S/.953.78 1 3 4años 0
12345
REALIZAR CUANTO SERIAN LOSPAGOS MENSUALES SI EN DIFERENTES INSTITUCIONES FINANCIERAS NOS COBRAN DIFERENTES INTERESES
CUANTO SERIA LAS CUOTAS MENSUALES SI LO QUIERO PAGAR EN CANTIDADES DE AÑOS
2 3 4 5S/.953.78
5 6 7 8 9
5 6 7 8 9 10
INTERESES FECHA TABLA ALTERNATIVA DE PAGO
CUAL ES EL ASIENTO CONTABLE QUE SE UTILIZA PARA ESTE PRESTAMO PORQUE COMPRARE UNA MAQUINARIACUAL ES EL ASIENTO CONTABLE QUE SE REALIZA PARA LA PRIMERA CUOTA O EL PAGO DE LA PRIMERA CUOTA
5 6
REALIZAR CUANTO SERIAN LOSPAGOS MENSUALES SI EN DIFERENTES INSTITUCIONES FINANCIERAS NOS COBRAN DIFERENTES INTERESES