Ejercicios Propuestos_Módulo 1

EJERCICIOS PROPUESTOS EN CLASE - SEPARATA CAP. 9

Para efectos uniformes y de mayor precisin, todo importe se ha redondeado a dos dgitos.

33.Anualidad del ao 20 al 45 12,000.00Plazo - Aos 25.00Tasa anual 10.00%

Valor actual en el ao 20 108,924.48108,924.48

34.Anualidad del ao 4 al 10 10,000.00Plazo - Aos 6.00Tasa anual 10%

VP. en el ao 4 43,552.6143,552.61

37.Prstamo -9,725.00

Reembolso (Anualidad)

1 2,500.002 2,500.003 2,500.004 2,500.005 2,500.00

9.00%

39.Prstamo (VP) 50,000.00Tasa anual 10.00%Plazo - Aos 8.00Cuota 9,372.20

Rspta.: Las contribuciones anuales al fondo de retiro que permitiran recibir 12,000 anual, son de 2,380.24

Rspta.: La tasa de interes vinculada al prstamo (TIR) es de:

Ao Cuota Total

1 50,000.00 9,372.20 2 45,627.80 9,372.20 3 40,818.38 9,372.20 4 35,528.02 9,372.20 5 29,708.62 9,372.20 6 23,307.28 9,372.20 7 16,265.80 9,372.20 8 8,520.18 9,372.20

Totales 74,977.61

40. Primer escenarioSegundo escenarioPrstamo (VP) 70,000 70,000Tasa anual 12.00% 10.00%Plazo - Aos 30 30Cuota 8,690.06 7,425.55

Primer escenario

Ao Cuota Total

1 70,000.00 8,690.06 2 69,709.94 8,690.06 3 69,385.08 8,690.06 4 69,021.23 8,690.06 5 68,613.73 8,690.06 6 68,157.32 8,690.06 7 67,646.14 8,690.06 8 67,073.62 8,690.06 9 66,432.40 8,690.06

10 65,714.23 8,690.06 11 64,909.88 8,690.06 12 64,009.01 8,690.06 13 63,000.04 8,690.06 14 61,869.99 8,690.06 15 60,604.33 8,690.06 16 59,186.79 8,690.06

Principal Inicial

Rsptas: - Deber realizar pagos anuales iguales a 9,372.20- Del primer pago se aplicar al inters 5,000.00 y al principal 4,372.20- Del segundo pago se aplicar al inters 4,562.78 y al principal 4,809.42

Principal Inicial

17 57,599.15 8,690.06 18 55,821.00 8,690.06 19 53,829.46 8,690.06 20 51,598.94 8,690.06 21 49,100.75 8,690.06 22 46,302.79 8,690.06 23 43,169.07 8,690.06 24 39,659.30 8,690.06 25 35,728.36 8,690.06 26 31,325.71 8,690.06 27 26,394.74 8,690.06 28 20,872.05 8,690.06 29 14,686.64 8,690.06 30 7,758.98 8,690.06

Totales 260,701.68

VPPlazo aos

Tasa

Anualidad

Rspta.:a) Los pagos Anuales sern de 8,690.06b) Se pagar un total de 190,701.68 de intereses a lo largo del prstamo.c) Para una hipoteca al 10% con un plazo de 30 aos se deberan realizar los pagos que se muestran el en siguiente cuadro:

Ao Cuota Total

1 70,000.00 7,425.55 2 69,574.45 7,425.55 3 69,106.35 7,425.55 4 68,591.44 7,425.55 5 68,025.03 7,425.55 6 67,401.99 7,425.55 7 66,716.64 7,425.55 8 65,962.76 7,425.55 9 65,133.49 7,425.55

10 64,221.29 7,425.55 11 63,217.87 7,425.55 12 62,114.11 7,425.55

Principal Inicial

13 60,899.97 7,425.55 14 59,564.42 7,425.55 15 58,095.32 7,425.55 16 56,479.30 7,425.55 17 54,701.69 7,425.55 18 52,746.31 7,425.55 19 50,595.39 7,425.55 20 48,229.38 7,425.55 21 45,626.77 7,425.55 22 42,763.90 7,425.55 23 39,614.75 7,425.55 24 36,150.67 7,425.55 25 32,340.19 7,425.55 26 28,148.67 7,425.55 27 23,537.99 7,425.55 28 18,466.24 7,425.55 29 12,887.31 7,425.55 30 6,750.50 7,425.55

Totales 222,766.42



Valor futuro a los 20 aos 108,924.48 Plazo - Aos 20.00Tasa anual 8.00%

Anualidad del ao 1 al 20 2,380.24 2,380.24

1 4,000.002 7,000.003 9,000.004 43,552.61

45,930.34 45,930.34

al fondo de retiro que permitiran recibir 12,000 anual, son de

Flujos de efectivo al final de los 4 aos siguientes

Rspta.: El VP. de todos los beneficios futuros es:

Interes Pagado Principal Final

5,000.00 4,372.20 45,627.804,562.78 4,809.42 40,818.384,081.84 5,290.36 35,528.023,552.80 5,819.40 29,708.622,970.86 6,401.34 23,307.282,330.73 7,041.47 16,265.801,626.58 7,745.62 8,520.18

852.02 8,520.18 0.0024,977.61 50,000.00

Segundo escenario260,701.68 1,584.87

10% 30.0030 10.00%

S/.1,584.8714,940.4414,940.44


8,400.00 290.06 69,709.948,365.19 324.86 69,385.088,326.21 363.85 69,021.238,282.55 407.51 68,613.738,233.65 456.41 68,157.328,178.88 511.18 67,646.148,117.54 572.52 67,073.628,048.83 641.22 66,432.407,971.89 718.17 65,714.237,885.71 804.35 64,909.887,789.19 900.87 64,009.017,681.08 1,008.97 63,000.047,560.00 1,130.05 61,869.997,424.40 1,265.66 60,604.337,272.52 1,417.54 59,186.797,102.42 1,587.64 57,599.15

Principal Pagado

- Deber realizar pagos anuales iguales a 9,372.20- Del primer pago se aplicar al inters 5,000.00 y al principal 4,372.20- Del segundo pago se aplicar al inters 4,562.78 y al principal 4,809.42

Principal Pagado

6,911.90 1,778.16 55,821.006,698.52 1,991.54 53,829.466,459.54 2,230.52 51,598.946,191.87 2,498.18 49,100.755,892.09 2,797.97 46,302.795,556.33 3,133.72 43,169.075,180.29 3,509.77 39,659.304,759.12 3,930.94 35,728.364,287.40 4,402.65 31,325.713,759.08 4,930.97 26,394.743,167.37 5,522.69 20,872.052,504.65 6,185.41 14,686.641,762.40 6,927.66 7,758.98

931.08 7,758.98 0.00190,701.68 70,000.00

260,70230

10.00%

-27,655

b) Se pagar un total de 190,701.68 de intereses a lo largo del prstamo.c) Para una hipoteca al 10% con un plazo de 30 aos se deberan realizar los pagos que se muestran el en siguiente cuadro:


7,000.00 425.55 69,574.456,957.45 468.10 69,106.356,910.64 514.91 68,591.446,859.14 566.40 68,025.036,802.50 623.04 67,401.996,740.20 685.35 66,716.646,671.66 753.88 65,962.766,596.28 829.27 65,133.496,513.35 912.20 64,221.296,422.13 1,003.42 63,217.876,321.79 1,103.76 62,114.116,211.41 1,214.14 60,899.97

Principal Pagado

6,090.00 1,335.55 59,564.425,956.44 1,469.10 58,095.325,809.53 1,616.02 56,479.305,647.93 1,777.62 54,701.695,470.17 1,955.38 52,746.315,274.63 2,150.92 50,595.395,059.54 2,366.01 48,229.384,822.94 2,602.61 45,626.774,562.68 2,862.87 42,763.904,276.39 3,149.16 39,614.753,961.47 3,464.07 36,150.673,615.07 3,810.48 32,340.193,234.02 4,191.53 28,148.672,814.87 4,610.68 23,537.992,353.80 5,071.75 18,466.241,846.62 5,578.92 12,887.311,288.73 6,136.82 6,750.50

675.05 6,750.50 0.00152,766.42 70,000.00

EJERCICIOS PROPUESTOS EN CLASE - SEPARATA CAP. 9Alumno: CARLOS EMILIO BRIONES ALBNPara efectos uniformes y de mayor precisin, todo importe se ha redondeado a dos dgitos.

32.Inversin 80,000 Plazo - Aos 5 Plazo - AosTasa anual 14.00% Tasa anual

VF al ao 5 154,033154,033

33.A. del ao 20 al 45 12,000.00 Vf. a los 20 aosPlazo - Aos 25.00 Plazo - AosTasa anual 10.00% Tasa anual

VA. en el ao 20 108,924.48108,924.48

34.A. del ao 4 al 10 10,000.00Plazo - Aos 7.00Tasa anual 10%

48,684.1948,684.19

VP. De Anualidades 36,577.15

Rspta.: EL valor presente de todos los beneficios futuros es de 52,760.47

37.Prstamo -9,725.00

1 2,500.002 2,500.003 2,500.004 2,500.005 2,500.00

Rspta.: La Anualidad ser de:

Anualidad del ao 1 al 20

Rspta.: Las contribuciones anuales al fondo de retiro que permitiran recibir 12,000 anual, son de 2,380.24

Flujos de efectivo al final de los 4 aos siguientes

VP. en el ao 4 (final del ao 3)

VP. de flujos al final de los 3 primeros aos

Reembolso (Anualidad)

9.00%

39.Prstamo (VP) 50,000.00Tasa anual 10.00%Plazo - Aos 8.00Cuota 9,372.20

Ao Cuota Total Interes Pagado

1 50,000.00 9,372.20 5,000.002 45,627.80 9,372.20 4,562.783 40,818.38 9,372.20 4,081.844 35,528.02 9,372.20 3,552.805 29,708.62 9,372.20 2,970.866 23,307.28 9,372.20 2,330.737 16,265.80 9,372.20 1,626.588 8,520.18 9,372.20 852.02

Totales 74,977.61 24,977.61

40.Prstamo (VP) 70,000Tasa anual 12.00%Plazo - Aos 30Cuota 8,690.06

Ao Cuota Total Interes Pagado

1 70,000.00 8,690.06 8,400.002 69,709.94 8,690.06 8,365.193 69,385.08 8,690.06 8,326.214 69,021.23 8,690.06 8,282.555 68,613.73 8,690.06 8,233.65

Rspta.: La tasa de interes vinculada al prstamo (TIR) es de:

Principal Inicial

Rsptas: - Deber realizar pagos anuales iguales a 9,372.20- Del primer pago se aplicar al inters 5,000.00 y al principal 4,372.20- Del segundo pago se aplicar al inters 4,562.78 y al principal 4,809.42

Principal Inicial

6 68,157.32 8,690.06 8,178.887 67,646.14 8,690.06 8,117.548 67,073.62 8,690.06 8,048.839 66,432.40 8,690.06 7,971.89

10 65,714.23 8,690.06 7,885.7111 64,909.88 8,690.06 7,789.1912 64,009.01 8,690.06 7,681.0813 63,000.04 8,690.06 7,560.0014 61,869.99 8,690.06 7,424.4015 60,604.33 8,690.06 7,272.5216 59,186.79 8,690.06 7,102.4217 57,599.15 8,690.06 6,911.9018 55,821.00 8,690.06 6,698.5219 53,829.46 8,690.06 6,459.5420 51,598.94 8,690.06 6,191.8721 49,100.75 8,690.06 5,892.0922 46,302.79 8,690.06 5,556.3323 43,169.07 8,690.06 5,180.2924 39,659.30 8,690.06 4,759.1225 35,728.36 8,690.06 4,287.4026 31,325.71 8,690.06 3,759.0827 26,394.74 8,690.06 3,167.3728 20,872.05 8,690.06 2,504.6529 14,686.64 8,690.06 1,762.4030 7,758.98 8,690.06 931.08

Totales 260,701.68 190,701.68

Rspta.:a) Los pagos Anuales sern de 8,690.06b) Se pagar un total de 190,701.68 de intereses a lo largo del prstamo.c) Para una hipoteca al 10% con un plazo de 30 aos se deber pagar un valor presente de 14,940.44

V.F. 260,701.68 Cuota anual (A)Tasa anual 10% Tasa anualPlazo - Aos 30 Plazo - Aos

Cuota anual (A) S/.1,584.87 Valor Presente (VP.)



154,033.17 10.00

14.00%

29,530.24 ###

108,924.48 20.00

8.00%

2,380.24 2,380.24

1 4,000.002 7,000.003 9,000.00

16,183.32 16,183.32

Total VP. 52,760.47

al fondo de retiro que permitiran recibir 12,000 anual,

VP. de flujos al final de los 3 primeros aos

Principal Final

4,372.20 45,627.804,809.42 40,818.385,290.36 35,528.025,819.40 29,708.626,401.34 23,307.287,041.47 16,265.807,745.62 8,520.188,520.18 0.00

50,000.00

Principal Final

290.06 69,709.94324.86 69,385.08363.85 69,021.23407.51 68,613.73456.41 68,157.32

Principal Pagado

- Del primer pago se aplicar al inters 5,000.00 y al principal 4,372.20- Del segundo pago se aplicar al inters 4,562.78 y al principal 4,809.42

Principal Pagado

511.18 67,646.14572.52 67,073.62641.22 66,432.40718.17 65,714.23804.35 64,909.88900.87 64,009.01

1,008.97 63,000.041,130.05 61,869.991,265.66 60,604.331,417.54 59,186.791,587.64 57,599.151,778.16 55,821.001,991.54 53,829.462,230.52 51,598.942,498.18 49,100.752,797.97 46,302.793,133.72 43,169.073,509.77 39,659.303,930.94 35,728.364,402.65 31,325.714,930.97 26,394.745,522.69 20,872.056,185.41 14,686.646,927.66 7,758.987,758.98 0.00

70,000.00

c) Para una hipoteca al 10% con un plazo de 30 aos se deber pagar un valor presente de 14,940.44

1,584.8710.00%

30.00

14,940.4414,940.44

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Ejercicios Propuestos_Módulo 1

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